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1.2. Chất lượng nguồn vn của NHTM
I$ 5H$.+D+ O)2œ+D+H$˜'(%4" 0$W [0R 5+0".5$6 ' (:+ 5Y
0( 50Y$+ˆ 5%$R !34+K$:2Bn[0D; !P 02BC 55"."!CE (:
…X0F D 0+0@ 0‰D+0s [0F O 5. 2C( ' d%CE"2Bœ%4"20^203s 5)E"
'(2("IF 'R0n 0B.[0Œ"2; 52("IF '(2@ 0p%&!= >?: +1X.$[0"!E2
)*++.C 012M<” O)ffed2p%& (:%"h 2L+5"F)'(+0r+= <7” O)f
0ZC20R 5%&H$+2&d'"&+2p%&!= >?:' +1X5"F)‰$ 5K39"A”%(2@ 0"&$
+] X0F"+0†_$: 0"h d2@ 0!^ 7foGofd2p%&!= >?:' +1X+ /!k
2O 5%h 2Bh A”•!E2A7”‘I.$[0" 5Y 0( 520Q+0"& 2O 5' 20( 0+R 5'(C
H$_of
#[0F O 52Q+Y !"' + /23s 5!"22Y:%(X0] ' +0-Ii
0j$+ 5Y 0( 5'([0F O 5+ 5Y 0( 5!DX* 5+D+)l '.: 5(:+( 5)i
B, 5+ˆ 5 03+D+!P 0039 5X0D22B"… 2("IF 2"#) O 5)( 5Y 0( 5+] !E2
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!…!DX* 5+D+)l '.: 5(:+( 5)iB, 5+ )n 0
1.3. Xu hướng thay đổi nguồn VCSH
1234I5,RBZ[23:B9\D]C23RS2(ND=5:QC6RDS23T
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p %& 2O 5
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' !"#$%&%"h 2L+!34+>;I$ 5d5"†X+0C0&I. 2C( ' 2"20"…$v+
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0j 5 ‹%Q++ 5Y 0( 52BC 5'"&+[0‡+X0L+2n 02BE 5 (:
1.5. Mức độ rủi ro đi với các hoạt động ngoại bảng
#+D++.)[^2 5CE">F 5ž2BC 5H$D2Bn 0[" 0KC. 0>n 0203m 5d/
20Q+0"& 0"#$+.)[^2 5CE">F 5[0D+ 0.$D++.)[^2 (:>.C56)+D+[0CF
>FC%k 0d2032@ KL 5p2Bƒ 55"j.2032@ KL 5'9"+D+[0CF >FC%k 0[0R 5
+0h 0%&+0 0.$H$D%9
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0r2"h$
JKFG44 JKFG4F
JKFG4I
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03 2@
KL 5
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/FC%k 0 qMf7qq AGd” 7efGM< <Ade” fGG7fA <<dG”
; 5 MGeeM ff” 7ffA7 ff” <GGq ff”
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1.6. Hiu quả s; d=ng vn chủ s> h?u
"&$H$FIJKL 5•4" 0$W I.$20$^o
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1.7. Khả năng chịu đựng rủi ro của NHTM đi với quy mô vn
•8D+!P 02BC 5H$. 0&'9"2"# 5J"
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Bảng II.2.1.1: Dư nợ tín dụng theo loại tiền vay của ACB
giai đoạn 2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
Theo
loại
tiền
vay
101.897.63
3
Tỷ lệ
(%)
101.832.103 Tỷ lệ
(%)
106.178.93
7
Tỷ lệ
(%)
WQ-31,*,2`a,AS-e-KƒQ>-12--
&---&|0-1QKZƒ9S•4>5
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R4A4A\XQ>-12.-g-3-<-,92Q.
9_QZ;Zs*&jJ-R,Z[B<AK><JZ./JfT •\
Z4>QJK-,--@4-,92QJ‘4RU1,
2J,91,Z[B<*
Bảng II.2.1.2: Dư nợ tín dụng theo kỳ hạn vay của ACB giai đoạn
2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
Theo
thời
hạn
vay
101.89. 633 Tỷ lệ
(%)
101.832.10
3
Tỷ lệ
(%)
106.178.937 Tỷ lệ
(%)
C•
4
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4
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Co
4
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4FG2*
Bảng II.2.1.3: Dư nợ cho vay theo thành phần kinh tế tại ACB
giai đoạn 2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
/>7 0/?)/
@/A)B4)/0C
D EF
GHI
D EF
GHI
DEF
GHI
o,2 G
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8* 8Š*!‰• 8• 8*•‰*•Š 88 *‚ ‰*‰ !Š
I Q -5
6
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I Q Z0
R,2
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IQ’
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;-`[ *‰‚ ‚*‚•• 8 8‰* 8
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JW&|J--p-1QK-,92QJ,8D!
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B,95R.;,R2l-\h--2,<-fZ0>K0
8D!’5R.;*.>[AK@,X2>f-121QA2+2B@ZJA<J‘
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h-9SB,j-55<-12g>W>.;-`@Z1,_
*NQZQ-31,_R2l--,92Q@,JK
-12JI-b+W&FG2G2Q*
Bảng II.2.1.4: Dư nợ cho vay theo ngành nghề kinh doanh tại ACB
giai đoạn 2011 – 2013 (Đơn vị tính: triệu đồng)
<=,9 <=,9-, <=,9-;
DEF
GHI
DEF
GHI
DEF
GHI
.3 8‚*‰‰* 8‰• 88* *Š‰‚ 8 !! ‚*•ŠŠ*‚!! ‰8
4 Š Š
I
Z
G
88*Š! 8 ‰!*8 ! ••*88‰ 8
n
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2
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!*Š8•*‰‰
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oF
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-
J-
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J)* -9-+KLM+
N;;
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h-BS.3>S-2,-pZ3_W--R,2GXQI
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0\=9ŒQ-p-Be-42<JS-ZG9KJI->1
WZe--9W-:ZrJG,JR,2g<RiRr>K1
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Z0JIT>j2-692Q9S-p-2,•ZI-K0‰‰’‹Y
92Q0-.-,2>,4Q€*
Bảng II.2.1.5: Dư nợ cho vay theo khu vực địa lý tại ACB giai đoạn
2011 – 2013 (Đơn vị tính: triệu đồng)
2:-0-f^2 Q0Rr>K=4
-K,-3-<R2l--,92Q-12+.B2
CFWQ0-1X2>60ZBeKGX,-I-X
R2l--,92Q‡h2ZR,`.-4Q@,Z;_.-•
B1,>4,>h--12BS90,A2>S-0.\
>KGX-,-XR2l-*
CFWQ0J-X2 Q0-:h<ZBeAK>
JZ./-12I./JK9cI.\JIq>K,4>
-,92Q-12‡h2ZI./Zs9Be.RrB
-12.--.2e-Be†;-,-I-XR2l-
-,92Q*
* *<Z.;R2l->6.
()*+,+,U5)/=3R6AO0V*454678),9 :,9-;
G6W)PSU0D6X)*I
b0 <=
,9
<=
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<=
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1. /Y)*B/7Z)B4)/275)/
hJ,;
hJ,9S
oed
K[9
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7.063
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