BANK VALUATION – A SAFE AND SUSTAINABLE INVESTMENT SOLUTION

In the context of continuous volatility in the financial market, bank valuation is increasingly playing a key role for enterprises, investors, and credit institutions. It is not only a tool for assessing value and financial capacity, but also a foundation for minimizing risks and optimizing efficiency in M&A activities, restructuring, capital mobilization, or share transfers. An accurate and transparent valuation report is the key that helps financial decisions become safer and more sustainable.

What is bank valuation and why is it important?

Bank valuation is the process of comprehensively analyzing and assessing the value, financial health, asset quality, and profitability of a bank. Beyond mere valuation, it enables investors to gain an overall picture of risks, potential, and development opportunities.

In the increasingly active M&A environment, a bank merger or acquisition without thorough valuation may lead to significant losses, ranging from hidden bad debts to legal issues. Valuation is also an essential tool in restructuring processes, helping management clearly identify strengths and weaknesses and thereby develop optimal strategies.

In addition, valuation enhances transparency for shareholders, partners, and international investors. This serves as the basis for financial institutions to improve credibility, strengthen trust, and affirm their market position.

Bank valuation services by Indochina International Valuation

Indochina International Valuation provides comprehensive bank valuation services that meet the stringent requirements of M&A transactions, share transfers, and credit institution restructuring. With a team of highly experienced experts, we implement valuation processes in accordance with international standards, including:

• Valuation of tangible and intangible assets: real estate, collateral assets, brands, and technology.

• Debt handling valuation: valuation of collateral/secured assets for the purpose of classifying and analyzing debt portfolios, bad debts, and outstanding credit balances to support effective debt resolution.

• Financial and operational performance analysis: profitability, cash flows, and capital efficiency.

• Legal risk assessment: potential disputes and regulatory compliance.

We are proud to accompany many major banks in the valuation process, delivering transparent reports with legal validity that effectively support negotiations and decision-making.

Optimizing M&A with accurate bank valuation services

In bank M&A transactions, valuation acts as a “safety filter,” helping investors avoid risks and optimize negotiation value. Without accurate data, valuation may be misaligned, potentially causing losses amounting to hundreds of billions of VND.

Bank valuation services by Indochina International Valuation provide clear competitive advantages:

• Identifying the true value of the target bank.

• Forecasting future cash flows and profitability.

• Analyzing market share, competitive capacity, and growth potential.

As a result, investors can confidently make acquisition and merger decisions with the lowest possible level of risk. This is the key factor behind many successful and sustainable M&A transactions in the financial market.

Bank valuation in restructuring – An effective recovery solution

During restructuring phases, banks face numerous challenges such as mounting bad debts, illiquid assets, or unsuitable governance models. Bank valuation helps management accurately identify financial conditions and thereby formulate feasible restructuring strategies.

Indochina International Valuation supports banks in:

• Analyzing debt portfolios and assessing recovery capabilities.

• Determining the value of collateral assets to minimize losses.

• Providing data foundations for capital mobilization or attracting new investment.

With our support, many banks have successfully restructured, restored liquidity, and regained competitive positions in the market.

Why choose Indochina International Valuation for bank valuation services?

With more than 23 years of experience in valuation and financial consulting, Indochina International Valuation has become the preferred choice of many commercial banks, credit institutions, and financial groups when they require accurate, transparent, and internationally standardized bank valuation reports.

We are proud to have partnered with reputable institutions such as BIDV, Vietcombank, VietinBank, Agribank, Techcombank, VPBank, MB Bank, ACB, Sacombank, Eximbank, and many international financial organizations and major investment funds. This is clear evidence of our professional capability and credibility in the market.

Key differentiators that make Indochina International Valuation the trusted choice of banks and credit institutions include:

• A multidisciplinary expert team: finance–banking, legal, M&A, and risk management.

• International-standard processes (IVSC): ensuring legal validity, transparency, and broad acceptance.

• Application of modern technology: AI and Big Data for fast, accurate, and objective data analysis.

• In-depth, high-value reports: directly supporting negotiations, M&A, restructuring, and investment decisions.

By choosing Indochina International Valuation, you do not merely receive a valuation report, but also gain a comprehensive picture of the target bank, helping optimize strategies and minimize all financial risks.

Indochina International Appraisal & Investment JSC (SunValue)

• Address: 15 Nguyen Luong Bang, Tan My Ward, Ho Chi Minh City

• Phone: 081 519 8877

• Email: contact@sunvalue.vn

• Facebook: Indochina International Appraisal And Investment J.S.C

• Website: inavn.vn

FAQ – Frequently Asked Questions about Bank Valuation

1. What is bank valuation?
Bank valuation is the comprehensive assessment of a bank’s value, financial capacity, assets, liabilities, and profitability to serve purposes such as M&A, restructuring, or capital mobilization.

2. When is bank valuation needed?
Valuation is commonly conducted during mergers and acquisitions (M&A), restructuring of credit institutions, share transfers, capital mobilization, or when a bank needs to reassess asset values.

3. What benefits does bank valuation bring to investors?
Valuation provides investors with an accurate view of financial conditions, debt quality, and growth potential, thereby reducing risks, optimizing negotiations, and enabling sound investment decisions.

4. What are the steps in the bank valuation process?
The process typically includes analysis of tangible and intangible assets, assessment of credit portfolios, financial performance analysis, legal risk review, and preparation of transparent valuation reports in accordance with international standards.

5. Why choose Indochina International Valuation for bank valuation services?
With over 23 years of experience, a multidisciplinary expert team, and international-standard processes, Indochina International Valuation delivers accurate, transparent, and legally valid reports that effectively support all M&A and restructuring transactions.