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(1) Financial capability and efficiency reflected in the latest audited financial statement (total assets, total revenue, profit after tax, capital use efficiency, non-performing loan ratio, etc.);
 
(2) Media credibility is assessed by Media Coding methodencoding articles on banks in the media;
 
(3) Investigation of the level of customer perceptions and satisfaction with banks’ products/services; Investigations, in-depth interviews with financial experts on position and reputation of banks in the sector; Investigation and survey of banks themselves conducted in May 2017 in terms of capital scale, revenue growth rate, profits, action plan in the year, etc.


Accordingly, banks available on this list are basically assessed to be prestigious in the industry, have financial capacity and growth potential in the period of 2016-2017.
 
Agribank is the leading state-owned commercial bank in terms of total assets, capital, outstanding loans, a large network of 2,300 branches and transaction offices, and more than 40,000 staff. As of May 31, 2017, Agribank has total assets of VND 1,052 trillion, funding resource capital of VND 965 trillion, outstanding loans for the economy of VND 781 trillion, of which agricultural and rural loans accounted for more than 70% of total outstanding loans and accounted for more than 50% market share of this sector of the banking sector. NPLs of 1.89% as of December 31, 2016.
 
Recently, Fitch Ratings revised the outlook on the Long-Term Issuer Default Ratings (IDRs) of Agribank to Positive from Stable. At the same time, the agency affirmed the Long-Term IDR of Agribank at 'B+'.