BQ GIAO DUC VA DAO TAO TRACING DAI HOC KfNH TE TP.HO CN MINH TRAN TH!THANH HOA DANH CIA HI,EU QUA HOAT DONG CUA NGAN HANG THIfONG MAI CO PHAN A CHAU THEO CAMEL Chuyen ng:inh : Kinh té t:ii chinh - ngan h:ing Mfi so : 60.31.12 LU,AN VAN THAC Sf KINH TE NGUOI HUNG DAN KHOA HQC: PGS.TS TRAN HUY HOANG Tp.Ho Chi Minh - Nam 2012 LOI CAM DOAN Tac gi:i cam doan so li(u bai viet la chinh x:ie, trung thuc Noi dung va so li(u phén tich Luan van la két qu:i nghién cfru doc la)p cua hpc vién va chua duoc cong bo bat ky cong trinh nghién ciiu khoa hpc nao De tai nghién cthi duqc hoén co su giup d‹i cfia c:ie ngfin hang thuong mai (NHTM) va su huéing dan tan tinh cfia nguoi huéng dan khoa hpc PGS.TS.Tran Huy Hoang da gitip dc tiic giii vi(c tiép can c:ic tai li(u nghién ctiu Vi(c cfing bo mot so thong tin mang tinh nhay cain co the :inh huéng den hoat dong ctia ciic NHTM nén I:ic gia da rat can nhac dna ciic so li(u vao de tai nghien ctiu Mong c:ic to chuc co lien quan thong c:tin v:i giiip d‹ tiic gi:i hoan tot de tai nghién ciru TIN THJ THANH HOA -2- TRANG PHU BIA MUC LUC DANH MUC CAC KY HIEU, CHU‘ VIET TAT .6 CHJONG 1: CH S€1 LY LUA) N VE HI(EU QUA HOAT DONG NGO HANG VA MO HINH DANH GIA HIEU QUA DONG HOAT T 1.1 KHAI NIEM VE HIEU QUA HOAT DONG NGAN HANG: .1 1.1.1 Kh:ii ni(m ve hi(u quit hoat dong kinh doanh: .1 1.1.2 Kh:ii niem ve hi(u qu:i hoat dong ngan hang: 1.2.5 Liquidity (L) - Kh:i néng kho:in: 16 CHUONG 2: DANH GIA HIEU QUA HOAT DONG CUA NGAN HANG THIIONG MAI CO PHAN A CHAU THEO 2.2.2 -4- CH ONG 3: GIAI PHAP NANG CAO HI(EU QUA HOAT DO] NG CU 71 3.1 DJNH HLDG CHIEN LUQC PHAT TRIEN NGANH NGAN HANG VIET NAM GIAI DOAN 2011 - 2020: .71 3.2 DJNH HLDG CHIEN UQC PHAT TRIEN CUA ACB GIAI DOAN 2011 - 2015 VA TAM NHIN 2020: 73 -5- 3.3.4 Kha néng sinh loi: .82 3.3.5 Kh:i néng quén tri ngén héng: .82 KET -6- DANH MUC CAC KY HIEU, CHI1 VIET TAT c³**4tét ACB n:e•aai : Ng in h:ing Thuong mai Co phan A Chau Asset/Liabilities Tai sén Nq va Tai sén Co Capital ROA : Return on Assets - Lpi nhu(an ROE RWA : Risk Weighted Assets TCE : Tangible Common Equity - -7- DANH MUC BANG Bring 2.1: Cac gi:ii thuéing da dat ducic .26 B:ing 2.2: Chi so Hi chinh cfia ACB qua ciic nam 28 Bang 2.3: C:ic kho n cam két bao Uh ciia ACB doi voi kh:ich héng 30 Béng 2.4: Qu:i trinh tang von cfia ACB 32 B:ing 2.5: Phén loai nhom np 41 B:ing 2.6: Khii nang sinh loi .56 -9- DANH MUC BIEU DO I II III VI TAI SAN Tiln ma( t, vfng b:yc, dé guy Tiln gfri tar NHNN IX 206,486 486,722‘ 340,492408,654418,202 553,288 1,532,492 2,284,848 4,926,850 727,117 988,784 1,562,926 5,144,737 Tién, vitng gfri tpi céc TCTD kh:ie va cho vay c •• TCTD khdc Tien, v:ing giii t:ji cdc TCTD kh:ic Cho vay c:ic TCTD khdc D;r phdng rfii ro cho vay cilc TCTD khac Chfmg khodn kinh doanh Chiing kho6n kinh doanh 3,499,495 4,243,741 2,395,421 4,069,194 6,535,305 16,401,829 29,164,968 3,499,495 “ 0 29,001,721 163,523 2277 501,293 504,006 2,351,783 43,638 0 0 4,007,956 6,353,898 61,238 ‘ 181,681 ‘27-274 39,218 40,792 D;r phhng gi:tin gift CK kinh doanh Cdc cling cu tdi chinh phai sinh vfi c:ie tai sfin tdi chlnh khfic Cho vay khfich hiing Cho vay khfich hdng 4,030,475 213,266 0 0 0 2,778,511 2,794,187 Dq phdng riii ro cho vay khdch héng VII Chfmg kho:in dau tir VIII 172,744 Ch g khoén dau tu fin sdn de bitn Chimg khoén dau tu gifr den d:to han Dq phbng giém gi:i CK dau tu G6p von, dIu tw ddi hpn Dau tu vao cling ty Von gop lie“n doanh Dfiu In vdo céing ty lien két Dfiu In d:ii h khdc D;r phbng gi:tin gi:i dau tu d:ii han Tfii san cc djnh -1,574 16,052,436 350,444 -11,000 640,195 641,769 -1,574 0 0 9,973 3,695,390 3,708,762 5,330,490 5,352,255 6,672,410 6,698,437 9,360,692 9,381,517 16,954,114 17,014,419 31,676,320 31,810,857 -15,676 323,379 -13,372 456,237 -21,765 1,794,883 -26,027 2,871,750 -20,825 4,823,767 -60,305 4,228,621 -134,537 9,132,829 0 0 456,515 11,061 1,658,481 323,379 91,084 0 43,000 48,084 74,498 456,237 82,703 0 43,000 39,703 95,070 1,794,883 78,432 0 43,000 35,432 133,424 2,871,750 4,367,252 136,716 0 ll,7l3 125,003 270,350 4,217,560 443,458 0 130,964 312,494 591,573 7,474,348 t 762,469 t I 195,358 567,111 t 554,747 -6- 13,428 0 13,428 117,750 -2,713 T:Ii s:in co dinh hfiu hinh Nguyén gid TSCD Hao mbn TSCD T:Ii s:in co dinh cho thué tai chinh gi:i TSCD Nguyén Hao mon TSCD Tai s:in co d(mh vfi hinh Nguyén gi:I TSCD ao mbn TSCD Bat dong sdn dau tw Nguyén gi:i BDS dau In Hao mf›n BDS dfiu tu Tai san cd khfic Cac khoén phai thu C:ic kho:In Hi, phi phai thu I II III T:Ii stin thué TNDN hodn 1:yi Tai sdn cd kh:ic Trong Lpi thé thvong mqi C:ic kho:in dq phf›ng riii ro cho c:ic tai sén Co noi bring kh:Ic C:ie khofin my Chlnh phfi vfi NHNN TiJn gfri vfi vay céc TCTD kh:ie Tien gfri cfia cilc TCTD kh:ic Vay ciic TCTD khdc Tién gfri cfia khach hang IV C:ic cling cu tiii chinh phdi sinh vii cdc khod n ni;r tfi chinh khéc V Von titi triy, fiy théc dau tu, cho vay TCTD ch[u rfii re VI Phét htinh giiy ttr c6 gi:i 574,440 514,109 140,939 -37,656 257,880 315,490 -57,610 697,166 -122,726 667,872 -153,763 0 0 0 0 0 20,608 17,535 14,467 12,470 17,133 40,638 23,507 -2,899 23,507 -5,972 23,507 -9,040 24,444 32,648 63,618 -11,974 -15,515 -22,980 0 0 217,227 28,960 0 391,737 5,062 585,540 0 1,537,475 0 3,517,495 105,389 281,286 224,128 361,412 405,374 1,132,101 3,488,173 € 29,322 I 0 0 31 / I 2/2(ltl4 I / I 2/2tltl5 967,312 941,286 654,630 1,123,576 1,103,576 898,898 101,908‘ 20,000 12,580,744 19,984,920 3,249,941 6,994,030 2,733,133 516,808 33,606,013 6,994,030 55,283,104 74,462 115,889 103,283 -25,312 107,860 -33,398 149,957 -34,068 0 0 21,728 21,760 -32 0 119,128 81,311 52,770 78,082 175,251 23,985 32,271 5,546 63,932 87,334 70,538 117,729 0 0 I / 2/?tlll I / 2/2tltl2 I /1 ?/2tlfl3 I /1 2/2lltl6 3I / I 2/2(ltl7 19,983 19,983 68,670 29,300 24,596 644,769 1,000,806 29,300 6,836,077 24,596 8,297,194 644,769 8,969,542 0 0 0 0 98,718 162,252 243,950 265,428 288,532 1,650,069 322,512 11,688,796 VII Cite khodn rig khéc 100,385 1C:ic khoan lai, phi phai tra 82,075 2Thué TNDN hoiln lat ph:ii tr:i C:ic khoén phai tra va cong np khac 3Dq phong riii ro khac (du phi›ng cac cf›ng cp rip tiem an 18,310 4vf cam két ngoai bdng) TONG NQ PHAI TO 6,965,762 TCN VIH Von1vd c:ie quy 433,569 abcdeg2 341,428 341,428 IX Von cfa TCTD Von diéu Ie Von dau tu:XD cc bén Thang dir von co phén CN phiéu q Cophiéu uu déi Von khéc 36,115 Quy cfa TCTD 0 56,026 Chénh l(ch 433,589 83,823 ‘ 349,766 8,874,080 489,452 495,864 95,448 400,416 10,292,410 562,391 816,820 128,783 688,037 14,710,990 705,684 423,911 423,911 0 0 114,756 0 23,724 481,138 481,138 0 0 194,017 0 30,529 341,428 341,428 0 0 78,090 0 69,934 648,422 235,445 18,396 394,581 22,989,658 1,283,206 948,316 948,316 0 0 138 973 0 195,917 gi:I hoi dotii 3,212,6834,190,760 467,0311,379,789 39,634 2,706,018 2,795,840 15,131 79,133,832 42,948,524 1,696,515 1,100,047 1,100,047 0 Chénh 1(ch dénh gia lai tdi s:in Lpi nhu(an chua phdn phoi/Lo lfy ké Lpi Ich chia cti dting thiéu so I /l 2/2110 31/ I 2/29fl2 I I Nghia vij my tiem fin Bao lfinh vay von Cam ke“t nghi(p vp L/C II I Biro ldnh kh:ic Ctic cam ket dna Cam két tai trp cho kh:ich héng Cam két khdc 234,058 254,324 “0 102,538 207,348 131,520‘ ‘46,976 I / I 2/2003 I / I 2/21194 I / I 2/2(ltl5 382,024 533,086 816,930 0 314,023 68,001‘ I I 2/2096 6,257,849 2,630,060 2,630,060 0 0 187,727 0 0 2,192,037 0 366,213 42,528 1,435,752 31 / I 2/?-1107 1,366,019 3,899,019 444,734 88,352 688,291 128,639 992,502 373,517 2,996,487 902,532 2,168 3,991 217,639 0 0" 2,168 3,991 217,639 0 BAO CAO IT QUA HOAT D(ONG KINH DOANH C hi tiéu Thu nh(ap lfii va c:ic khoin thu nhap tuong t;r 478,411 509,284 668,568 648,327 1,354,980 2,490,616 4,538,134 I Chi phi lfii vfi c:lc chi phi tuong t;r Thu nh(ap lfii thu n Thu nhap hoat dong d]ch v;i 320,042 158,369 49,194 277,942 231,342 57,911 408,995 259,573 68,760 502,124 146,203 86,235 840,715 514,265 112,807 1,670,044 820,572 172,980 3,227,028 1,311,106 342,592 II III Chi phi hoat dong d|ch v9 Lfii/to thuln tir hoat d9ng d jch vu 10,308 38,886 11,912 12,371 45,540 -2,306 12,854 55,906 -1,839 15,938 70,297 5,035 15,599 97,208 39,601 24,645 148,335 70,320 71,377 271,215 155,140 0 0 2,626 97,277 344,990 1,803 270 31,247 215,147 30,778 34,649 896,792 33,862 805 112,827 90,817 33,862 805 112,827 85,891 4,926 Ldi lii thuln tir hopt dong KD ngo9i hfii p Lbi/to thuan tfr hoat dong mua bun chfmg khoén kinh doanh Lfii/lti thufin tir hopt dong mua bén chfmg khoiin dau Thu nhap In“ hoat dong kh:ic 11,200 18,143 Chi phi hoat dong khac VI Llli/to thuan tir hell dfyng khéc VII Thu nhap tu’ gop von, mua co phan VIII Chi phi hoat dong 11,200 18,143 17,781 17,781 1,973 89,223 122,767 143,473 176,518 1,201 288,942 3,490 565,791 36,653 804,650 134,920 170,222 219,195 294,026 397,542 721,679 2,216,172 27,241 107,679 5,571 164,651 30,793 188,402 16,027 277,999 5,992 391,550 34,460 687,219 89,357 2,126,815 17,606 17,606 41,629 41,629 56,274 56,274 66,320 66,320 92,349 92,349 181,643 181,643 366,807 366,807 iv IX Lpi nhupn thuan tfr hoat dong kinh doanh trwéc º• phbng X Chi phi d;J phong riii ro tin dpng XI Tong lpi nhu$n truoc thue Chi phi thué TNDN hi(n hénh Chi phi thué TNDN hodn lai XII Chi phi thué TNDN l Kh:i ii:iii g a ii to:i n i tin ( "?›) 31 / 12/211111 31/ I 2/2(1(12 15.74 5.86 -9- 8.08 5.23 31/ 12/2I 113 9.77 5.18 /1 2/211114 8.09 4.58 /1 2/2(1IJ 31 / 12/2011€› 11.98 5.29 10.88 3.80 31/1 2/2( (17 16.19 7.33 31/1 2/20111 Np xfiu/Tong du np 31 /1 2/2002 31/1 2/2903 31/1 2/21104 31 /1 2/211115 31/ 12/200€› 31 / 12/21107 Quy d;r phong riii ro tfn dijng/Tong du np xau 66 0.93 84.98 0.83 1.08 43.65 0.66 0.89 61.60 0.73 1.09 53.49 0.30 1.66 74.54 0.19 1.11 181.85 0.08 0.31 506.44 (Vfin chu Dq phi›ng)/Tong rip xau (so lan) Chi phi d;r phong rip xfiu/Thu nhap truéc d;r phhng 24.35 20.19 16.41 3.27 16.53 14.05 15.04 5.45 46.67 1.51 52.98 4.77 240.63 4.03 40.64 0.40 92.39 119.44 44.01 0.26 88.61 163.87 58.37 52.03 46.22 47.70 47.07 8.19 64.74 4.15 0.00 Np qu:I h:jn/Téing du rip Tong du np rbng/Tong huy dong ngoai interbank 10 Huy dong interbank/Tong nguon von 11 Huy dong tu’ dén cu v:i TCKT/Tong nguon von 12 Gfii lien ngfin héng/Tién gfri va vay tién ngfin h:ing 13 (lan) Ty 1( von ng6n h:jn sir d;mg cho vay trung vd ddi han 5.94 6.49 4.63 7.28 81.60 4.00 0.00 82.33 5.66 0.00 75.27 94 0.00 0.00 0.00 82.63 3.65 6.96 15 Lpi nhu(an thu Tong T:ii s:in binh qudn (ROA) 16 Lpi nhu(an thuiin/Von chfi so htm binh qudn (ROE) 1.31 21.74 1.47 26.66 1.31 1.61 25 12 33.39 1.51 30.09 1.47 33.93 17 Chi phi hoat dong/Tong thu nh(ap hoat dong kinh doanh 39.81 41.90 39.56 37.51 42.09 43.95 2.71 44.25 26.64 18 Thu nhap ngoai lai/Tong thu nhap hoat dong kinh doanh 19 Thu nhap lai rong/Tong thu nhap hoat dong kinh doanh 29.34 70.66 21.04 28.43 68.93 31.07 25.09 74.91 36.26 63.74 56.60 43.40 31/12/2 I)() So lupng chi nh:inh va PGD So lupng nhdn vién 78.96 31 /1 2/2()()2 31/12/2()I)3 31/ I 2/2044 31/12/21)05 I / I ?/2046 31/ I 2/2407 19 20 32 42 61 81 174 914 996 1,252 1,430 2,128 2,892 4,600 - 10 - A TO SAN I II Tien m)t, vang bac, dd quy Tien gfri tit NHNN Tien, vitng gfri tar cdc TCTD kh:ie va cho vay cdc Llii tiéu TCTD khiic Tién, vdng gfri t:ji c:ic TCTD kh:ic IV Cho vay ciic TCTD kh:ic D;r phbng riii ro cho vay cac TCTD khiic Chiing khoén kinh doanh Chimg khodn kinh doanh Du phong giém gid CK kinh doanh Cfic cling cu tiii chinh phéi sinh vIi céc tlii sfin tfii chinh khéc VII Vin IX Cho vay khdch hd ng Cho vay khach hiing Du phhng riii ro cho vay khfich hilng Chfmg khofin dau tu Chiing kho:in dau In sdn sdng de b:in Chtmg kho:in dau tu gifr den d:to hilt Du phong giém gi:i CK dau In Grip vtin, dau tir a±i hpn Dau tu vao cfing ty Von g6p lien doanh Dau In vao cfing ty lien két Dan tu d:1i han kh:ic D;r phong giém giii dau tu dai han Tfii sfin co d;inh 9,308,613 6,757,572 10,204,546 7,087,740 2,121,155 1,741,755 1,943,803 1,470,299 6,906,095 1,707,253 10,884,762 2,914,353 26,187,911 36,698,304 27,606,455 27,692,229 18,963,531 33,961,250 26,187,911 0 226,429 370,031 -143,602 36,695,495 4,000 -1,191 638,874 739,126 -100,252 27,601,493 5,000 18,963,432 100 33,886,349 75,800 -38 620,250 720,502 -100,252 27,692,237 -8 434,952 538,576 -103,624 -1 421,485 571,081 -149,596 -899 978,355 1,167,950 -189,595 38,247 0 9,788 78,172 34,604,077 34,832,700 -228,623 61,855,984 62,357,978 -501,994 80,233,268 80,906,614 86,478,408 87,195,105 -673,346 -716,697 24,441,506 715,837 23,938,739 -213,070 32,166,926 -517,929 43,118,728 71,786,685 72,392,944 -606,259 48,636,963 55,647,090 48,202,271 299,755 31,981,845 -114,674 2,371,589 40,861,813 -114,674 2,289,229 46,475,920 -128,186 2,302,016 53,512,161 -167,087 2,153,484 46,169,161 -120,374 1,286,757 0 1,125 1,306,632 -21,000 934,695 2,335,636 0 1,226 2,360,053 -25,643 943,454 2,449,409 3,004,00F I 1,273 2,473,779 -25,643 1,020,211 1,363 3,035,841 -33,19€ 1,054,702 1,178,13 0 205,143 1,108,166 -135,177 789,034 - 11 1,197,348 0 1,129 1,217,219 -21,000 872,634‘ 57,918,471‘ 58,436,400 a b a b a b x 739,729 1,007,796 ‘-268,067 24,574 1,235,922 -411,348 884,719 0 897,165 0 978,165 0 1,014,780 1,593,304 -578,524 Tfii sén co d;mh cho thue“ tai chinh Nguye’n gi:i TSCD 0 0 0 0 0 0 Hao mdn TSCD Tai s:in co dirih vti hinh Nguyén gia TSCD 0 0 0 49,305 85,817 48,060 101,364 49,976 46,289 42,046 110,090 -53,304 0 25,951,650 0 0 29,007,596 0 0 16,602,079 0 0 10,595,672 0 € 17,546,669 Tili s:in co dinh him hlnh Nguye“n gift TSCD Hao mon TSCD Hao mon TSCD Bat dong sfin dIu tir Nguyén gift BDS dau tu Hao mon BDS dau tu Xi 39,922 Tiii san c6 khdc -36,512 0 6,411,026 i Cac khoiin phai thu Ciic kho:in lfii, phi phai thu 6,382,459 2,342,481 2,089,957 2,329,850 4,172,987 4,239,868 Tdi sfin thué TNDN hodn lai Tai sén co khiic 28,567 2,115 23,581,054 5,250 26,912,389 6,260 14,265,969 6,260 6,416,425 5,25f 13,301,551 0 0 t 0 0 I Trong dé Lcri thé thvong mqi Cac khoén d;r phhng rfii ro cho cdc tai siin Cb not bring khéc 31 / I 2/2IHC8 Chinh phfi vfi NHNN II I IV Tien gfri va vay cdc TCTD khiic Tién giri ciia cdc TCTD khiic Vay cdc TCTD khac Tien gfri cfia khéch hang 31/ 12/2(1119 9,901,891 9,901,891 64,216,949 Von tdi trq, fiy th:ie dau tir, cho vay TCTD ch)iu rfii r o VI Phét hlinh giay ttr cd gift 30/01›/211111 30/( 9/20 111 31/ I 2/201 9,898,308 21,234,012 21,234,012 10,458,220 9,451,677 10,449,828 10,449,828 9,390,499 11,331,648 11,331,648 17,176,207 17,176,207 28,129,963 28,129,963 86,919,196 89,999,380 98,407,478 106,787,166 106,936,611 38,130 676,045 10,256,943 Ciic cling cu tdi chinh phdi sinh vd cdc khod n n‹r t d V /03/211111 -70,168 298,865 270,304 282,041 277,234 315,127 379,768 16,755,825 26,582,588 28,067,086 27,435,604 28,871,335 38;234,151 12 - VII Cdc khofin my kh:ie 6,366,132 272,550 I C:ic khoén lfii, phi phai tra 1,358,177 1,114,642 (dq Thué TNDN tra an va cam két ngoai b:ing) TONG NQ PHAI TO Du phong riii ro khfc phong c:ichodn cf›nglaicuphai np tiem 43 9,182 -20,760 Viin vf cite quy Ctic kho:in phai tra va céing rip khiic 4,998,773 22,178,668 TCN VIII 97,539,662 157,774,760 Von cfa TCTD 7,766,468 10,106,287 Mon diéu Iea b c d e g 6,355,813 7,814,138 Von d‹iu tv XD cc bén Thang dv von co phan Cci phiéu q 6,355,813 814,138 Cophiéu uu diii Von khac 0 Quy cfa TCTD IX 0 0 0 0 713,555 952,949 0 0 697,100 1,339,200 Chénh l9Ch 4,189,829 782,472 280,878 1,137,670 23,037 23,029,122 163,298,613 1,352,851 0 8,429,621 167,035,108 1,529,916 1,717,735 9,342,688 7,814,138 7,814,138 0 0 896,987 25,822 605,741 9,964,717 7,814,138 7,814,138 0 0 967,486 105,037 1,078,056 gid hoi dotii 33,227 Nghia vu rig tiém an Bilo lfinh vay von Cain két nghi(p v9 L/C Bao liInh kh:ic H 8,978,262 7,814,138 7,814,138 0 0 953,846 54,318 1,556,734 9,376,965 9,376,965 0 0 1,209,552 79 ,24 TOP 31 / I 2/2005 I 33,469 167,564,978193,726,193 10,379,03611,376,757 Chénh l(ch dénh gi:I lai t:Ii s:in Lpi nhu(an chua phén phoi/Lo liiy ké Lpi ich cfa co dong thiéu so CAC CHI TIEU NGOAI BAG CN DOI 10,594,023 1,582,292 I /1 2/200'J 31 /113/201 NJ 30/06/20111 30/09/2.01 II !/12/2010 1,726,887 756,487 970,400 2,310,713 1,629,857 680,856 3,071,570 1,901,768 1,169,802 2,967,746 2,226,779 740,967 4,592,331 2,699,593 1,892,738 Cdc cam két dna 699,818 583,188 Cam két tdi trp cho kh:ich hang Cam két kh:ic 0 699,818 0 583,188 0 3,423,921 2,385,649 1,038,272 638,966 638,966 BAO CAO IT QUA HOAT D(ONG KINH DOANH I Thunhap laivd cdc kho:in thunhap tuong Chi phi lfii v:i c:ic chiphi tuong t;r Thu nh§p lfii thuln Thunhaphoatdong dich vp II III IV v VI 10,497,846 7,769,589 2,728,257 680,301 9,613,889 6,813,361 2,800,528 987,982 3,024,255 2,298,875 725,380 157,968 6,418,234 4,689,120 1,729,114 312,353 10,277,703 7,411,428 2,866,275 488,825 14,960,336 10,796,566 4,163,770 967,147 Chiphihoatdongdich v;; Ldi/lo thuln tir hoat do( ng d)ich vu 73,793 606,508 118,346 869,636 30,675 127,293 66,811 245,542 99,651 389,174 140,707 826,440 Lfii lti thuantir hopt di‘jng KD ngoai hoi Ldi/to thuan tir hopt dong doanh LaU thuan tfr hopt dong mua b:in chfmg khofin dau tu Thu nhap tir hoat dong kh:ic Chi phi hoat dong kh:ic Lai/to thuan tir hoat d9ng khéc 678,852 422,336 104,613 275,346 320,007 191,104 46,291 551,718 55,935 46,625 48,338 38,486 1,130 37,356 187,587 32,398 155,189 20,562 20,090 472 63,018 41,635 21,383 95,866 68,857 27,009 176,794 126,824 49,970 172,279 1,590,903 115,026 1,809,462 20,246 442,378 47,682 943,084 74,503 1,513,977 186,613 2,160,020 2,648,573 3,125,608 595,442 1,441,500 2,183,484 3,329,658 87,993 2,560,580 349,898 349,898 287,444 2,838,164 665,075 -28,115 636,960 17,059 578,383 139,720 139,720 108,006 1,333,494 302,430 21,855 324,285 182,801 2,000,683 512,798 512,798 227,410 3,102,248 744,589 22,865 767,454 VII Thu nhap In gdp von, mua co phan VIII Chi phi hoat dong IX X XI L9i nhu§n thuan tir hoat dong k1R11 £10i1R Chi phi du phong riii ro tin d9ng Tong lpi nhu$n tru‹?c thué Chi phi thue TNDN hi(n hM Chi phi thué TNDN hodn lai XD Chi phi thué TNDN I1 t ' ‘‘ CHI SO TAI CHP 31/ I 2/2tltlS Car Von chfi so him/Tong t:ii sén I / 12/2fl(lJ' 12.44 7.38 - 14 - 9.74 6.02 I /tl3/2fl1 Al 10.22 5.41 311/116/211 Ill 9.00 5.63 311/tl*J /211 Ill 10.01 5.83 I / I 2/2tl1ll 10.60 5.55 31/1 2/2008 Np x:in/Tong du rig Np qu:I h@Tting du rip Quy d;r phbng riii ro tin d;jng/Tong du rip xfiu (Von chu so him + D;r phhng)/Tong np xfiu (so lan) Chi phi d;r phong rip xau/Thu nhap truoc d;r phong Tdi s:in khoiin/Tong t:Ii s:in Tong du rip r6ng/Tong huy dong ngoai interbank Huy dong interbank/Tong nguon von 11 Huy dong tir dtin cu va TCKT/Tong nguon von 12 Gfri lien ngén h:ing/Tien gfri va vay tién ngfin h:Ing 13 (lén) Ty I( von ng¼ han sir djjng cho vay trung vtI dai han 10 14 31/ I 2/21109 30/06/211 0.37 0.89 0.00 22.93 59.01 9.65 60.01 1.10 0.00 27.76 59.41 13.72 52.14 1.20 0.00 0.56 1.23 l 99 0.26 4.51 0.59 10.06 42.63 39.55 0.86 14.53 40.95 2.74 1.25 21.74 39.35 30 11 69.89 27.49 72.51 22.48 77.52 24 75.85 248 6,540 256 6,510 266 6,614 280 7,255 41.65 9.20 46.62 42.58 9.40 60.98 2.64 34.65 54.37 6.22 51.77 3.51 32.63 48.94 6.56 52.13 2.44 27.11 56.92 12.00 55.60 1.30 0.00 0.00 0.00 74.06 25.90 3.32 197.11 0.99 3.38 2.32 31.53 37.53 19 Thu nhap lfii rbng/Tong thu nhap hoat dong kinh doanh 64.35 2.56 1.61 24.63 36.67 43.25 56.75 186 6,598 237 6,669 35.65 31/1 2/21119 34 0.58 244.77 41.30 6.83 225.04 39.24 7.49 0.41 311/0'J/20 111 0.35 0.61 239.88 39.37 8.37 0.49 1.17 180.15 34.30 2.86 0.89 2.03 Thu nhap lfii rdng/Tong tai sfin sinh li i blnh qudn (NIM) 15 Lpi nhu(an thuan/Thing Tfii sin binh qufin (ROA) 16 Lpi nhu(in thuiin/Von chia so him binh qufin (ROE) 17 Chi phi hoat do( ng/Tong thu nh(ap hoat do( ng kinh 18 doanh Thu nhap ngodi Hi/Tong thu nhap hoat dong kinh doanh So lupng chi nhdnh v:i PGD So lupng nhlin vie’n 31 /03/2(1111 C? hi tiéu A I II IH i IV i Tién gfri tpi NHNN Tién, vang gfri tpi cdc TCTD kh:ie va cho vay c:i • TCTD khdc Tien, vang gfri tyi cac TCTD kh:1c Cho vay c:ic TCTD khdc D;r phong riii ro cho vay cac TCTD khdc Chfmg khodn kinh doanh Chimg khoén kinh doanh Dq phong gi:inn gi:i CK kinh doanh C:ie cling cu tfii chinh phdi sinh va c: ie tiii sdn tfii chinh khilc VI Cho vay khdch hdng i Cho vay kh:ich hiing D;r phong riii ro cho vay khfich hilng VII Chiing khofin dIu tir VIII Chiing kho:in dfiu tu sdn sting de bdn Chfmg kho:in dau tu gift dén ng:iy dtio hanphfing gi:tin gi:i CK dau tu Dq Gop vtin, dau tu dai han Dau tu v:Io cling ty Von g6p lien doanh Dau tu vao cf›ng ty lien két Dau tu dai han kh:ie IX Du phf›ng giam gi:i dau tu dai han Tai s:in co djnh 12,475,373 2,366,373 6,155,093 2,066,911 10,104,203 3,534,526 8,709,990 5,075,817 $5,492,805 54,997,103 69,631,366 81,274,021 55,073,975 421,995 54,995,118 2,000 69,631,267 100 79,998,410 1,285,250 -3,165 1,132,578 1,351,702 -219,124 -15 1,067,522 1,379,081 -311,559 -1 1,348,057 1,634,420 -286,363 -9,639 850,459 1,048,787 -198,328 656,188 661,791 746,286 1,016,447 90,858,407 91,640,627 -782,220 29,343,180 101,555,676 102,472,699 99,326,697 100,333,816 -917,023 37,751,757 -1,007,119 32,678,800 101,822,720 102,809,156 -986,436 26,089,070 507,452 28,966,674 -130,946 2,907,506 0 1,363 2,939,339 -33,196 1,097,038 327,077 37,446,701 -22,021 3,309,945 0 1,478 3,353,677 -45,210 1,229,458 328,042 32,375,005 -24,247 3,101,446 - 16 - 1,478 3,145,178 -45,210 1,244,720 329,006 25,795,128 -35,064 3,554,001 I I 1,455 3,601,912 -49,366 1,236,987 a b Tfii sén co dmh him hinh Nguyén gid TSCD cho thué tai chinh a b Nguyén gi:i TSCD Hao mon TSCD Tai siin co dmh vf› hinh a b x Nguye“n gi:i TSCD Hao m6n TSCD Bfit dong stin dau tu XI Nguyén gi:i BDS dau tu Hao mon BDS dau tu Tfii stin c6 khdc Cdc khoén phdi thu C:Ic kho:in lfii, phi phai thu Tai s:in thué TNDN hodn lai Tdi siin c6 khfic Trong dé Lcti thé thvong mqi 1,058,950 0 1,195,907 1,212,828 1,207,683 1,984,824 0 -777,141 0 0 38,088 0 33,551 0 31,892 29,304 0 0 0 117,433 0 0 10,514,630 0 24,467,564 0 42,284,036 0 3,494,893 3,797,207 6,792,230 5,250 35,486,556 7,925 45,761,125 264.fl9(), l37 28 I.019,319 5,250 7,014,487 20,670,357 0 296,b44,tl77 233,262,S2tl C:ic khoén dq phfing riii ro cho c:ic tdi s:in Co not kh:Ic 31/03/2111 I Cdc khodn rig Chinh phii va NHNN II Tien gfri vii vay céc TCTD khéc Tién gin ciia ciic TCTD khfic Vay c:ic TCTD kh:ic III Tien gfri cfia khdch hang IV V VI 311/11€›/2(1 !1 31J /I)9/2111 -88,129 51,389,807 £ 5,620,753 31/12/20 1 4,719,785 34,465,887 34,465,887 110,295,564 36,786,937 36,786,937 141,439,033 2,779,602 6,530,305 33,590,442 33,590,442 148,380,054 34,714,041 142,218,091 486,908 40,633,295 350,381 35,826,335 315,119 45,787,264 34,714,041 C:ie cling cu Hi chinh ph:ii sinh vd cdc khofin my Id chinh khdc Vfin tdi trq, fiy théc dau tu, cho vay TCTD chju rfii ro Ph:it hiinh giay ttr c6 gi:i - 17 - 332,318 50,708,499 VII Cde khofin rig khfic C:ic kho:in lfii, phi ph:ii tra Thué TNDN hofin lai phdi tra C:ic kho:in phai tra va céing np kh:1c D;r phdng riii ro kh:ic (du phbng c:ic cf›ng cp p tie“m lin ri va cam két ngoai béng) TCN TONG NQ PHAI TO VIH Von vfi cdc guy Von cfia TCTD a Von diéu Ie b c d e Von déu tuXD cc bén Thang dv von co phén Cophiéu q Cophiéu uu déi g Von khéc Quy cfia TCTD Chénh l(ch gi:i hoi doiii Che“nh l(ch d gi:i lai tai sén Lpi nhu(an chua phfin phoi/Lo lfiy ké Lpi ich cfia co dfing thieu so IX 4,274,548 1,689,734 2,543,130 2,220,710 4,556,303 20,659,242 5,938,302 14,672,204 4,806,283 29,700,157 41,684 48,736 50,533 194,875,987 11,968,090 221,179,699 12,083,121 251,511,723 12,488,414 269,060,227 11,959,092 9,376,965 9,376,965 9,376,965 9,376,965 9,376,965 9,376,965 0 0 0 0 9,376,965 9,376,965 0 0 1,164,649 67 1,426,409 1,275,487 1,263,763 228,182 1,202,487 -13,464 1,861,150 1,753,237 0 828,890 31 /I13/2() ! 6,777,013 30/116/20 1 30/09/201 34,556,973 0 0 31 /12/201 I Nghia vy rig tiem fin 4,709,469 4,951,005 II B:to lilnh vay von Cam két nghi(p v;i L/C 3,225,307 1,484,162 1,003,151 3,207,505 5,498,440 3,337,627 1,743,500 843,199 2,160,813 1,135,407 3,032,295 2,929,299 25,370,482 I Cam ket t6i trp cho kh:ich héng Cam két kh:ic 1,003,151 843,199 1,135,407 25,370,482 B:to liinh kh:ic C:ie cam két dna - 18 - 5,961,594 BAO CAO IT QUA HOAT DONG KINH DOANH Thu nh(ap llli v:I ciic khoilnthu nhap tuong tjr 5,116,139 11,449,860 18,281,437 25,460,938 Chiphi lfii va c:ic chi phi tuong t;r 3,847,628 8,492,106 13,715,777 18,853,380 I Thu nh§p lfiithuln Thunhap hoatdong d|ch vp 1,268,511 359,546 2,957,754 570,594 4,565,660 774,309 6,607,558 1,138,535 II Chiphihoat dong dichvp Ldi/to thuantir hopt dong d;ich vu Llii lii thuln tfr hoat d9ng KD ngoai hfii Llli/lo thuan tir hoat d9ng mua b:in chfmg kh 38,768 320,778 -29,797 190,677 379,917 -103,919 251,089 523,220 -187,632 313,003 825,532 -161,467 ••• "“-21,101 -110,103 -36,622 70,924 V Llli/lti thufin tir hoat d9ng m ua bén chfmg khodn "“-10,572 tu 91,064 96,567 Thu nhap tit ho:yt dong kh:ic Chi phi hoat dong kh:ic 65,654 94,611 94,953 151,810 127,758 180,371 203,147 204,328 -28,957 -56,857 -52,613 5,449 564,881 28,633 1,287,384 41,947 2,080,691 -1,181 222,646 3,147,466 1,899,105 2,869,836 4,499,069 III IV VI VII VIII L$i/to thuan tir hoat diy‘ ng khfic Thu nh(ap tu’ gop von, mua co phan Chi phi hoat dong IX Lpi nhupn thuan tfr hopt d9ng kinh doanh trufr X XI Chi phi dq phhng riii ro tin dpng Tong lpi nhu§n tru6c thué Chi phi thué TNDN hi(n hilnh Chi phi thué TNDN hoIIn lai “- XII Chi phi thue TNDN 939,430 76,004 213,218 304,985 296,376 863,426 1,685,887 2,564,851 4,202,693 227,257 227,257 480,870 5,250 486,120 706,422 706,422 997,531 -2,679 994,852 CHI SO TAI CHP l Kh:i nd in iii to:in s i"iii ("?›) Car Von chfi s’‹i him/Tong tdi situ I /03/201 30/06/201 311/09/201 10.48 10.59 10.24 5.79 5.18 4.73 - 19 - 31/12/?0 11 9.25 4.26 10 ll 12 Np xfiu/Tong du rip Np qua han/Tong du np Quy d;r phong riii ro tin d;mg/Tong du rip xau (Viin chu him Chi phi du phong rip xfiu/Thu nhap truérc d;r phdng 0.39 0.73 220.07 35.87 8.09 0.79 1.53 113.82 16.14 11.23 1.07 1.86 93.85 Tai s:in khoiin/Tong tai sén Tong du np rong/Tong huy dong ngo:Ii interbank Huy do( ng interbank/Tong nguon von Huy dfyng tu’ din cu va TCKT/Tong nguon von Gui lien nglin hdng/Tién gfri vfi vay lien ngfin héng (lan) Ty I( von ng6n han sir dpng cho vay trung v:1 d:Ii h 34.13 60.01 16.66 53.32 1.60 0.00 30.70 57.18 15.77 60.64 1.49 0.00 34.30 51.07 3.07 1.33 3.12 1.23 23.77 38.32 20.97 79.03 22.91 39.80 14.29 85.71 3.24 1.22 23.66 40.44 13.04 86.96 14 Thu nhap ldi rhng/Tong ttli sén sinh ldi binh qufin (NIM) 15 Lpi nhu(an thua'n/Tong Tai sén binh qutin (ROA) 16 Lpi nhu(an thuf on chfi so hint blnh qufin (ROE) 17 Chi phi hoat do( ng/Tong thu nhap hoat dong kinh doanh 18 Thu nhap ngofii 1fii/Tong thu nhap hoat dong kinh 19 doanh Thu nhap lfii rbng/Tong thu nhap hoat dong kinh doanh 31 /03/20 1 So lupng chi nhénh v:i PGD So lupng nhlin vién 30/11€›/2111 288 7,619 - 20 - 300 7,421 12.58 10.63 12.72 56.20 2.07 0.00 30/119/2111 315 7,845 31/12/201 326 8,613 ... mfrc t(ap trung theo kh:ich héng va theo nganh nghé: • Theo khiich hang: thu6ng duoc luéng bang du np tin dung cfia 20 kh:ich hang nhat/Von cap • Theo nganh nghé: du np tin dung theo nganh nhat/Von... phong cu the thuéng thay doi theo nhom np va loai hinh TSDB cho khoan du np - Mot so yéu to kh:ie can xem xét: • Co cau du nq theo ngiinh nghé, theo khu vuc dia ly va theo doi tupng kh:ich hang... dung hau hét ci tat c:i c:ie nucic trén the gioi Vi(c xay ding h( thong chi so theo tiéu chuan CAMEL, sfi dung CAMEL nhu la mo) t cfing cu dé gi:inn sat va phong ngira riii ro hoat dong NH la