Total loan outstanding balance grew at a CAGR of 14.3% in the period 2010-2017e. The consumer finance market continues to grow rapidly. About xx.x% of consumer credit focuses on building loans, home repairs, home purchases that debt repayments come from customers’ salary, followed by home appliances and furniture. The group of finance companies  is the group with the highest bad debt ratio among credit institutions. Group of finance companies  is the group with the highest growth rate of consumer loan outstanding balance in 3 recent years. At present, the lending rates of banks and finance companies are clearly different. There are four types of consumer finance service providers. Domestic banks still focus on the traditional retail banking model. Point of sale (POS) is characteristic of the group of consumer finance companies. Consumer finance in Vietnam is considered to be in the development stage and will grow stronger in 2018 and in the next years.

Abbreviations
Executive summary
1. Business environment
1.1 Macroeconomic situation
1.2 Banking sector situation
1.3 Non-banking sector situation
1.4 Major legal policies
1.5 Foreign interest in Vietnam market
2. Consumer finance market overview
2.1 Market Structure
2.2 Market size and growth
2.3 Competitor
2.4 Informal financial activities
3. Evaluation of consumer finance products
3.1 Product overview
3.2 Detailed product survey
3.3 Lending method
4. Business methods
4.1 Sales channels and marketing campaigns
4.2 Payment method
5. Company profile
5.1 Domestic Joint Stock Commercial Banks
5.2 Foreign Joint Stock Commercial Banks
5.3 Finance companies
5.4 Others
6. Market potentials and challenges
6.1 Key growth drivers
6.2 Development trends
6.3 Challenges
Appendix

List of figures
Figure 1: GDP growth rate by quarter, 2015-2017
Figure 2: FDI capital, 2015-2017
Figure 3: VND/USD exchange rate, 2013-2017
Figure 4: FX reserves, 2010 – 2017
Figure 5: Consumer Confidence Index, 2014 – Q4/2017
Figure 6: How do Vietnamese consumers spend their spare cash, 2017
Figure 7: Market share of shopping channels in rural and urban areas by value, 2016-2017
Figure 8: Monthly CPI fluctuation, 2014 – 2017
Figure 9: Retail sales of goods, 2010-2017
Figure 10: Total disposable income and household expenditures, 2010 – 2017e
Figure 11: Urbanization rate in Vietnam, 2004 – 2017
Figure 12: Credit growth, 2013 – 2017e
Figure 13: Lending rates, 2011 – 2017e
Figure 14: Bad debt and bad debt ratio of financial institutions, 2013 – 2017e
Figure 15: Bad debt ratio of each bank group, 2010 – 2017
Figure 16: Contribution of bad debt settlements, 2017
Figure 17: Bad debt ratio of some domestic banks, 2017
Figure 18: Minimum capital adequacy ratio, 2012 – 2017e
Figure 19: Forecast of equity capital of 3 SOCBs according to Basel II, 2018 – 2020
Figure 20: Proportion of capital supply for the economy from the capital market and the system of credit institutions, 2012-2017
Figure 21: Credit share by credit institutions, 2017
Figure 22: Profitability of credit institutions system, 2012-2017
Figure 23: Net interest margin (NIM), 2012-2017
Figure 24: Total assets of banks are not eligible to establish finance companies, 2016-2017
Figure 25: Total loan outstanding balance nationwide and consumer loan outstanding balance, 2010 – 2017e
Figure 26: Loans and investments to deposits, 2/2018
Figure 27: Consumer loan outstanding balance, 2012 – 2017e
Figure 28: The size of the financial system compared to the group of some ASEAN countries, 2017e
Figure 29: Credit/GDP spreads in some countries, 2017e
Figure 30: Structure of outstanding balance for consumer lending according to the use purpose, 2013 – 2017
Figure 31: Structure of consumer lending by credit institutions, 2016 – 2017
Figure 32: Bad debt ratio in consumer lending, 2016 – 2017
Figure 33: Outstanding balance of consumer lending of some finance companies, 2014 – 2017
Figure 34: Market share of consumer finance loans by groups of finance companies, 2016 – 2017
Figure 35: Outstanding loans for home building, repairs and purchases, 2013 – 2017e
Figure 36: Real estate inventory, 2017
Figure 37: Real estate credit structure according to capital demand, 2017
Figure 38: Market share of consumer lending companies in motorbike and durable consumer goods, 2017
Figure 39: Motorbike sales in Vietnam, 2013 – 2017
Figure 40: Number of product lines of the top 5 motorcycle manufacturers in Vietnam, 2017
Figure 41: Car sales in Vietnam, 2006 – 2017
Figure 42: Car sales structure by business, 2017
Figure 43: Top 10 best-selling cars in 2017
Figure 44: Revenue of domestic electronics technology groups, 2017
Figure 45: Revenue and growth of electronics market in Vietnam, Q3/2014 – Q4/2017
Figure 46: Smartphone market share, 2017
Figure 47: Consumer electronics market share, 2017
Figure 48: Quantity and sales of using personal credit cards in Vietnam, 2012-2017e
Figure 49: Structure of issuing credit cards by groups of credit institutions, 2017e
Figure 50: Structure of issuing credit cards by banks, 2017
Figure 51: Interest rates for consumer loans of finance companies, Q1/2018
Figure 52: The number of minimum loan applications required at credit institutions, 2018
Figure 53: Period of approving the dossiers of credit institutions, Q1/2018
Figure 54: Network, 2018
Figure 55: Top 10 most prestigious commercial banks in Vietnam in 2018
Figure 56: The focus of the banks on the communication channels, 06/2017 – 05/2018
Figure 57: Total assets and total loans of Techcombank, 2008-2017
Figure 58: Structure of Techcombank’s loan portfolio, 2017
Figure 59: Total assets and total loans of ACB, 2008 – 2017
Figure 60: Loan portfolio structure of ACB, 2017
Figure 61: Total assets và tổng cho vay của VPBank, 2010-2017
Figure 62: Loan portfolio structure of VPBank, 2017
Figure 63: Total assets and total loans of Eximbank, 2008 – 2017
Figure 64: Loan portfolio structure of Eximbank, 2017
Figure 65: Total assets and total loans of VIB, 2011 – 2017
Figure 66: Loan portfolio structure of VIB, 2017
Figure 67: Product structure of Fe Credit, 2017
Figure 68: ROA, ROE of Fe Credit, 2011 – 2017
Figure 69: Product structure of Home Credit, 2017
Figure 70: ROA, ROE of Home Credit, 2012 -2017
Figure 71: Product structure of HD Saison, 2017
Figure 72: ROA, ROE of HD SAISON, 2011 -2017
Figure 73: Product structure of Prudential Finance, 2017
Figure 74: ROA, ROE of Prudential Finance, 2011 – 2017
Figure 75: ROA, ROE of Toyota Financial, 2013 -2017
Figure 76: ROA, ROE of JACCS Vietnam, 2011 -2017
Figure 77: Total population and age structure of labor force, 2010-2017
Figure 78: Economic cooperation model of Fintech companies in Vietnam, 2017

List of tables
Table 1: Restructuring Banking System
Table 2: Some indicators of Vietnam financial system, 2017
Table 3: Some finance company M&As of domestic banks
Table 4: The roadmap to reduce the short-term capital ratio for medium and long-term loans under Circular 06 and Circular 19
Table 5: The best home mortgage loan package of commercial banks, 2017
Table 6: Product catalogue of finance companies
Table 7: Car purchase interest through installments at some banks, 2018
Table 8: Rivals in the industry
Table 9: Joint Stock Commercial Banks
Table 10: State-owned Commercial Banks
Table 11: Foreign Commercial Banks
Table 12: Finance companies
Table 13: Home purchase loans are mostly concentrated in banks.
Table 14: Credit card products
Table 15: Consumer loans in money (in cash or via bank account) at the Banks.
Table 16: Electronics purchase loan products: phones, laptops, etc.
Table 17: Motorcycle purchase loans at points of sale of finance companies
Table 18: Cash loan product
Table 19: Credit card product
Table 20: Network system, 2017
Table 21: Payment method, 2018
Table 22: Retail partners of Shinhan Bank as of the end of 2017
Table 23: Affiliates pay 0% interest rate with HSBC credit card, 2017-2018
Table 24: Some financial indicators
Table 25: Leading retailers in Vietnam, 2016-2017
Table 26: Fintech companies with purchase installment loan product
Table 27: Fintech companies with Online mortgage loan product