In terms of absolute numbers, the group of banks leading in group 5 debt balance as of June 30, 2025 include: BIDV (VND 27,669 billion, an increase of VND 8,700 billion compared to the beginning of the year); Agribank (VND 19,583 billion, a decrease of VND 3,054 billion compared to the beginning of the year); VietinBank (VND 15,093 billion, an increase of VND 1,473 billion compared to the beginning of the year);SHB (VND 11,574 billion, an increase of VND 460 billion compared to the beginning of the year); Vietcombank (VND 11,340 billion, an increase of VND 1,111 billion compared to the beginning of the year).

The above group of banks also accounts for the majority of the lending market share, so it is understandable that they are leading in terms of outstanding loans, in absolute terms. Currently, this group accounts for over 50% of the lending market share in Vietnam.

In terms of debt ratio, these banks are all in the group with low group 5 debt ratio compared to total outstanding debt. In particular, group 5 debt of Agribank and SHB both decreased compared to the beginning of the period.

Specifically, the ratio of group 5 debt/total outstanding debt at BIDV is 1.3% (up 0.36%); this ratio at Agribank is 1.05% (down 0.26%), at VietinBank is 0.8% (up 0.01%), at SHB is 1.69% (down 0.01%) and at Vietcombank is 0.73% (up 0.02%).

Also according to debt ratio, 16 commercial banks recorded group 5 debt increasing compared to the beginning of the period.

BaoViet Bank and PVCombank, although their group 5 debt ratios have decreased compared to the beginning of the year, are still in the leading group, at 3.4% and 2.25% respectively. This ratio at BVBank and Saigonbank is 2.17% and 2.14% respectively.

Many banks recorded a group 5 debt ratio of just under 1% of total outstanding debt, of which HDBank had the lowest ratio at 0.22%; TPBank was 0.4%; MB was 0.64%; Techcombank was 0.65%; Vietcombank was 0.73%; VietinBank was 0.8%; VPBank was 0.92% or ACB was 0.94%...

According to the provisions of Circular 31 and Decree 86, credit institutions must classify debts and set up credit risk provisions, applicable to assets (referred to as "debts") including: Loans, financial leases, discounting, rediscounting of transfer instruments; factoring; credit facilities in the form of credit cards; payment on behalf of off-balance sheet commitments; credit authorization...

Debts are classified according to risk levels including: Standard debt (group 1 debt), Debt requiring attention (group 2 debt), Substandard debt (group 3 debt), Doubtful debt (group 4 debt) and Debt with potential loss of capital (group 5 debt).

Specific provisions are set aside in proportion to each debt group: Group 1 debt, provision 0%; Group 2 debt, provision 5%; Group 3 debt, provision 20%; Group 4 debt, provision 50%; Group 5 debt, provision 100%.

Source: https://vietnamnet.vn/soi-no-nhom-5-cua-cac-ngan-hang-2437105.html