PHÂN TÍCH TÌNH HÌNH HOẠT

ĐỘNG TÍN DỤNG CỦA CHI NHÁNH
NHCT_AG QUA BA NĂM 2001 - 2003
W

U

X
1. PHÂN TÍCH TÌNH HÌNH HUY ĐỘNG VỐN CỦA CHI NHÁNH
1.1. Tình hình nguồn vốn
     
 !"#$%#&#'()
*+, (-./.01!2/
34//3/
56$%-/*/0)/7#3#
%/8 +9+:)*'+, ./3(
,#,(#!(56+;7;<#%2:
/0=)3(#>
3+;2/6/)%?@+;
*A3+'?389/?
B(40C./3D+>/E*'
7;3#>+56/E%//
/3+0
CFG=HIJ#6CFG=C/) ./
/A/7/*ECFG=C0K/,./
 CFG=HIJLD#+;+,*)%
+*M*M'#"0C:!
./A /:D+>
$2+;?'!(B'B
SVTH:Nguyễn Ngọc Bửu Châu NO

XQY0LQL
YOQ0QN[
L[[0ZWO





*
NOO0YON
OWX0LYZ
N\N0XQN
NNL0\QO
NYX0QXL
=$
NQQO NQQN NQQL CD#
Đồ thị 1: Cơ cấu nguồn vốn qua 3 năm
^!(B'  ./   LD# *
D0 G6 ? D# NQQO $ . /  LY[0ZNQ '._  D# NQQN $
./XQY0LQL'.DOOZ0LNN'.B/,D#NQQOD
LQ\LT_D#NQQL../YOQ0QN['.DOQL0WNO'.
B/,D#NQQNDNQ[ZT0
K*??'
#`/DD#0abD+>./D#
4 E  /* /9 /2   P D/
#>#//-(9D.
/#)?%/9/20
SVTH:Nguyễn Ngọc Bửu Châu NN
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
y

/ / 2 /6  5*'  * 0)  
/3`P-no/,!(33#g-n
SVTH:Nguyễn Ngọc Bửu Châu NL
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
o/,4p0=`/Bm./6/6
+///,*3.:%
 +:3M*///A7;/0
K/,CFG=HIJ/#./6/6
0S-p5bb'*
!'/`6#7k?@./AE
3+/$% 2!P<#./56?/
/,*0C:/7:`/
p+;(+B
Bảng 3: Tình Hình Huy Động Vốn
K='.
NQQNRNQQO NQQLRNQQN
GP  NQQO NQQN NQQL ='

=+9
UTV
='

=+9
UTV
=J=G1= \Z0Q[N \\0[N[ OQ[0\\N dYO\ dQYZ OY0[X\ O\YO
1`" \W0QL[ YO0ZWN WL0Q[L dNX0QYN dN\\Q OO0QWO OW\Y
G-" N0QQ\ NY0[XN LO0\LZ N[0[[[ ONOWLL X0L\W NQLW
=J'# WW0XLO OQQ0Q\N OLO0\ZW NN0XXO NZQZ LO0\OX LOWZ
1`" O[0LQL OL0QXZ OY0YLL dO0N[[ d\WQ L0XW[ NWLW
G-" YL0NN\ \W0QNL OOX0NY[ NL0WZX LWYL N\0N[O LN[X

Nguồn vốn huy động tại chi nhánh NHCT_AG bao gồm các khoản tiền
gửi chính sau đây:
y
Tiền gửi tổ chức kinh tế
K/,*MM*'(
P01M*/3<#(#!(
*//7+;2/6E3i
-+;*#:AM*/3<##65B
;0="/#65M*#Bm)%M*`"
i-"0
dK/,*M`":pB+
+BD#NQQO\W0QL['.D#NQQNYO0ZWN'.
(# NX0QYN ' . B /,D# NQQO  (# N\\T_  D#NQQL  WL0Q[L
'.DOO0QWO'.B/,D#NQQNDOW\YT0=D#
NQQNB+*M(#B/,D#+,9/2
-M*-"?#p *M-"$%
D#B/,D#+,0C+D#NQQLB+*M`
"D $%-*7
;2#!rB`9 *MpD 0
s*M-no/,3/)-Bm!$B/.
/563./tpB
SVTH:Nguyễn Ngọc Bửu Châu NX
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
*M   QQNTRE- Bm# (# 5/3
0Gg$%/')%M*<#(#!(
B(/7'0
S/7   l # `    *  )# #
/b'5B/,$%?
@#>(3<##65 ./
*M/52/60

'._D#NQQNOL0QXZ'.(#O0N[['.B/,D#NQQO
(#\WT_D#NQQLOY0YLL'.DL0XW['.B/,D#NQQN
DNWLWT0
d=*M'#-"/,*MM*
/)#65+>pg/,33(*p+;42:
 (     /) /7 - - n o   /, 3  
./$23k3-?/*
+0=CFG=HIJB +*M'#ND#> 3*D6?
D#NQQOYL0NN\'._D#NQQN\W0QNL'.DNL0WZX'.
B/,NQQO D LWYLT_ g D#NQQL OOX0NY[ '. D N\0N[O
'.B/,D#NQQNDLN[XT0abD+>*M
7+:3D+:3/u-5Bbb
 ? 2) %+/)% 9(M * /3
?+>p0=/7?@+;*MgvCFG=HIJ
698+,B%kCF=h/w56
33 2!P0
y
Kỳ phiếu
CN)% )/E"f
-#/g`/0=LD#3
*-"0G6?D#NQQOB+Y0[XY'._D#NQQN
 NQ0QY\ ' .D OL0YON ' .B /,D#NQQOD NOQ\[T_
D#NQQLZ0QN['.(#OO0Q[L'.B/,D#NQQN(#
XXQLT0'">3"&/#65/'
+-B)3#, -Bb!,
8D#0=`+:"+;&E;%` 6
+*M'#*M$%0*)%"#
;`-#'#"/##! )
3/ g./Bm//! 0
SVTH:Nguyễn Ngọc Bửu Châu NW

hij#>'//,#?
(/+LD#B//,
SVTH:Nguyễn Ngọc Bửu Châu N\
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
/b/u#c,$B/0K*f
!>/)8*
-'(-2!/#`,0Gg
  f-o/b +#`
/E/v +;//P#cv9$B
/0
=LD#p`E/#>+5
6 2!P(+;B/+B
Bảng 4: Doanh Số Cho Vay Theo Thành Phần Kinh Tế
K='.
NQQNRNQQO NQQLRNQQN
GP  NQQO NQQN NQQL ='

=+9
UTV
='

=+9
UTV
^ LXO0QN\[OO0YQYXYX0OXZ YQ0XW\ OWNY OXL0XXL LWLQ
C NLQ0\YQLN\0QZOLZ\0NLZ ZW0NLO [NON WQ0O[\ NOL\
Tổng cộng 581.886 739.697 963.398 157.811 27,12 223.701 30,24
C.](CFG=HIJ
='

.

y
Đối với các đơn vị kinh tế quốc doanh
G'+,-'56+:4 /,CFG=HIJ
+G`'+,IJG`43eIJG`/
!IJx389/2-$2
?'56+9(;/pBgy +;5/,3
0 S B /  /,  /b  6 ? + B D#NQQN  [OO0YQY
'.DYQ0XW\'.B/,D#NQQODOWNYT_D#NQQL
XYX0OXZ'.DOXL0XXL'.B/,D#NQQNDLWLT0
=LD# B //, /b *DD#0
K*'+,? /*/
*# P-39%/2:/@
@0Sb/i?##pe/E
/,./*ECFG=C fp%/
2:'0
y
Đối với các đơn vị kinh tế ngoài quốc doanh
=9/29B> 2!P-#`
v/b-+-B+;,0=:B/
/,/b+BD#NQQONLQ0\YQ'._D#NQQN
LN\0QZO'.DZW0NLO'.B/,D#NQQOD[NONT_
D#NQQLBLZ\0NLZ'.DWQ0O[\'.B/,D#NQQN
SVTH:Nguyễn Ngọc Bửu Châu LQ
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
 DNOL\T0 C) ND# P D+>  B(
4?E-#/?+B(4pD 0*53
+;./ #+56/,!7+
 ?   B/ /b
fD 0Cgb'/`3A;
/?`3B(4D`#Be#`6B(443b/BM

B
T
S
B
T
S
B
T
='

=+9
UTV
='

=+9
UTV
Ce X[N0ZOXZLLYY\0Z[LZQ[LZOL0XQXZ[\ONY0QN\ NLNON[[0XYN LYXY
=d L\0ZWOYW WQ0WX[ZXW [Z0\ZLXO\ LO0W\L \OXYdNQ0\YOdNZ[\
Tổng cộng 581.886 100 739.697 100 963.398 100 157.811 27,12 223.701 30,24
C.](CFG=HIJ
='.
X[N0ZOX
YY\0Z[L
ZOL0XQX
Ce
=d
L\0ZWO
WQ0WX[
[Z0\ZL
NQQO NQQN NQQL

(#NZ[\T0G(/d-:./3-
, 37`l#2/4k'/0=
 Bb!B/D#NQQN+
9/2B(4PD/bR+9-5(
/-56/*'(/*53D#p
 +;ON0YY[ ' .   ./56  
 fpl#/?%/9/2
0
F56>  3 +9# -/>
CFG=HIJ- )56e`#c'$B
 / -  7 3 E5 6 e 0 F9 8
LD#B/CFG=HIJf+9
(/d-i?#./*D#-
B/dBmu+;dD#/
D#BBm#c,$+;0)/7:
,7/e//d?(#
!(c'+;d$+;&p*01b'
SVTH:Nguyễn Ngọc Bửu Châu LL

Trích đoạn MỘT SỐ BIỆN PHÁP NÂNG CAO HIỆU QUẢ HOẠT ĐỘNG TẠI NGÂN HÀNG CÔNG THƯƠNG AN GIANG

---