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Along with that, net interest income (NIM) ratio narrowed more than expected compared to the previous quarter due to lower lending rates to stimulate credit demand and limit bad debt formation. Overall, NIM fell 24 basis points qoq; in which, Vietnam Prosperity Commercial Joint Stock Bank (VPBank) is the bank with the narrowest NIM. In contrast, the International Joint Stock Commercial Bank (VIB) recorded a good growth in NIM in the first quarter of 2023. Vblink Online, Going deep into the banking groups, for state-owned commercial banks, which account for about 44% of the credit market share, the growth rate is about 35% compared to the level assigned by the State Bank. Joint-stock banks account for about 44% of the market share, which is about half of the assigned level. Thus, these two groups account for about 91% of the credit market share, there is still a lot of room for growth for the rest of the year.
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