B GIÁO D O I H C KINH T TP H CHÍ MINH Hu nh Lê Ng c Huy n NGHIÊN C U HI U QU HO TH NG M I VI T NAM TRONG LU TH Tp H Chí Minh NG C A NGÂN HÀNG N 2008 - 2013 B GIÁO D O I H C KINH T TP H CHÍ MINH Hu nh Lê Ng c Huy n NGHIÊN C U HI U QU HO TH NG C A NGÂN HÀNG NG M I VI T NAM TRONG N 2008 - 2013 Chuyên ngành: Tài - Ngân hàng Mã s : 60340201 LU N Tp H Chí Minh ng d n khoa h c: TS Võ Xuân Vinh CAM Tơi xin có l c a th cơng trình nghiên c u c a tơi v i s ng d n TS Võ Xuân Vinh; s li u th ng kê trung th c n i dung, k t qu nghiên c u c a lu b t c cơng trình cho t i th Thành c công b m hi n H Chí Minh, ngày 30 tháng 05 H c viên Lê 2014 M CL C L M CL C DANH M C CÁC KÝ HI U, CÁC CH VI T T T DANH M C CÁC B NG DANH M C CÁC HÌNH V L IM TH U CH NG LÝ LU N T NG QUAN V HI U QU HO NG C A NGÂN HÀNG TH NG M I VÀ CÁC NGHIÊN C U TR 1.1 HI U QU HO NG C A NGÂN HÀNG TH NG M I .1 1.2 CÁC Y U T NH H N HI U QU HO NG C A NGÂN HÀNG TH NG M I 1.2.1 Các y u t bên Ngân hàng 1.2.1.1 H s t tài tr 1.2.1.2 R i ro tín d ng 1.2.1.3 ng 1.2.1.4 Chi phí ho ng .7 1.2.1.5 Quy mô Ngân hàng 1.2.2 Các y u t bên Ngân hàng 11 1.2.2.1 T ng s n ph m qu c n i (GDP) 11 1.2.2.2 L m phát .13 1.2.2.3 Tồn c u hóa 15 1.3 M T S CH TH NGHIÊN C U N I B T 16 NG NGHIÊN C U HI U QU HO NG C A CÁC NGÂN HÀNG NG M I VI T NAM 22 2.1 TH C TR NG HI U QU HO NG C A CÁC NGÂN HÀNG TH NG M I VI N 2008-2013 22 2.1.1 T ng quan tình hình kinh t Vi n 2008-2013 22 2.1.2 T ng quan h th ng Ngân hàng Vi t Nam 26 2.1.3 Th c tr ng ho 2.1.4 ng c a Ngân hàng th ng c a Ngân hàng th ng m i Vi t Nam 28 ng m i Vi t Nam .33 2.1.4.1 Nh ng thành t c 33 2.1.4.2 Nh ng h n ch t n t i nguyên nhân 34 2.2 PH NG PHÁP NGHIÊN C U 35 2.2.1 Mô hình h i quy d li u d ng b ng .35 2.2.2 Mơ hình h i quy Pool 36 2.2.3 Mơ hình h ng c nh (Fixed effects model _FEM) .36 2.2.4 Mơ hình h ng ng u nhiên (Random effects model _REM) 37 2.2.5 L a ch n FEM REM .38 2.2.6 Gi thuy t nghiên c u 38 2.2.7 ng bi n mơ hình nghiên c u .43 2.2.8 Ph ng pháp x lý s li u 47 2.2.8.1 Trình bày th ng kê mơ t d li u 47 2.2.8.2 Kh o sát t 2.2.8.3 Xây d ng ph 2.2.8.4 Gi i thích k t qu nghiên c u .49 ng quan gi a c p bi c l p 47 ng trình th c nghi m l a ch n mơ hình 48 2.2.9 K t qu nghiên c u 49 2.2.9.1 Th ng kê mô t .50 2.2.9.2 Phân tích t 2.2.9.3 K t qu h i quy .52 2.2.9.4 Tóm t t k t lu n nghiên c u 59 CH NG 3.1 M TS ng quan 52 XU T XU T NG D NG VÀ H NG NGHIÊN C U TI P THEO 62 NG D NG .62 3.2 CÁC GI I PHÁP NH M NÂNG CAO HI U QU HO NG C A H TH NG NGÂN HÀNG VI T NAM TRONG TH I GIAN T I .64 3.2.1 Gi i pháp t phía Chính ph Ngân hàng Nhà n 3.2.2 Gi i pháp t phía ngân hàng th 3.3 M TS H N CH c 64 ng m i .66 XU T NGHIÊN C U TI P THEO .73 K T LU N 75 TÀI LI U THAM KH O PH L C CPI Consumer price index FDI FEM GDP HSTTT LP NHNN NHTMCP NHTMNN NIM NK Foreign Direct Investment Fixed effects model Gross Domestic Product OLS Ordinary least squares Net interest margin QM Quy mô REM Random effects model ROA Return on total assets ROE Return On Equity RRTD TMCP WTO XK World Trade Organization nhiên Trang 2.1: T ng tài s n Vietinbank m t s Ngân hàng khu v c 32 2.2: 47 2.3: 50 2.4 52 2.5 53 2.6 55 2.7 57 B ng 2.8: Tóm t t v d u k t qu nghiên c u s acác bi n 61 Trang Hình 2.1: C u trúc h th ng Ngân hàng Vi t Nam 27 Hình 2.2: S h c NHTMNN 29 2008-2013 22 -2013 23 -2013 24 -2013 25 2.5: -2013 26 Bi 2.6: S i Vi t Nam 29 Bi 2.7: Th ph n tín d ng c Bi 2.8: T Bi 2.9: So sánh t l tín d i Vi t Nam 31 ng tín d ng c a NHTM Vi t Nam 32 33 L IM U H th tu n hồn c a th ng tài - ti n t nói riêng tồn b n n kinh t nói chung Gi m iv im s ng, h th quan tr ng không th thi i v i n n kinh t Các Ngân hàng o vi c t n d ng phát huy ngu n l c thông qua vi ng nhu c u tín d ng c ng thu c nhi u thành ph n kinh t , ph c v kinh t - xã h c l c cho vi c phát tri n u ti t dòng v n n n kinh t Bên c th M c dù không tr c ti p t o c a c i v t ch t, song v i m ho ng riêng có c a mình, ngành Ngân hàng gi m t vai trị quan tr ng vi y s phát tri n c a n n kinh t Do v y vi c nghiên c u v v hi c i c n thi i v i n n kinh t i Và ph m vi nghiên c u này, nói Ngân hàng t c n i Hi u qu kinh doanh v c t ch c kinh t quan tâm il ng c nh tranh gay g Ngân hàng không ng ng n l u quy mô, m nâng cao v th c a m t khách t nh i ho n nay, nh v th bên c nh u qu ho ng kinh doanh ng l i nhu n t l i nhu n làm tính tốn ch tiêu ch ng khác nh kinh doanh c a Ngân hàng t ng th i kì ho u qu ng Ngân hàng kinh doanh có hi u qu cho th cc iv mb os ng th i nh phát tri n c a Ngân hàng Nh v Ngày 15/9/2008, Lehman Brothers tuyên b phá s uc aM u s bung v th c c a m t cu c kh ng ho :l ng kinh t v ph c h i, ho kinh doanh c a doanh nghi p b t ch d n x u ng s n xu t , thu nh n ho , , l i nhu n toàn ngành s t gi m Theo s li u c a Ngân hàng nhà c cho bi t, t ng l i nhu ng, s t gi m g n 50% so v ch m d t nh i nhu n ng c a Ngân hàng H u h t u b s t gi m l i nhu n r t m nh, c nh ng Ngân hàng l so v c, dù v u toàn ngành v l i nhu n t Nam MARTENS, P & RAZA, M 2010 Is Globalisation Sustainable? MENDES, V & ABREU, M 2003 Do Macro financial variables matter for European Bank Interest Margins and Profitablility MOLYNEUX, P & THORNTON, J 1992 Determinants of European bank profitability: A note NACEUR, S B 2003 The determinants of the Tunisia banking industry profitability NACEUR, S B & OMRAN, M 2010 The effects of bank regulations, competition, and financial reforms on banks' performance PASIOURAS, F & KOSMIDOU, K 2007 Factors influencing the profitability of domestic and foreign commercial banks in the European Union RIVARD, R J & THOMAS, C R 1997 The effect of interstate banking on large bank holding company profitability and risk SAUNDERS, A & SCHUMACHER, L 2000 The determinants of bank interest rate margins: an international study SUFIANA, F & HABIBULLAHB, M S 2011 Globalizations and bank performance in China VONG, A P I & CHAN, H S 2007b Determinants of Bank Profitability in MacaoDeterminants of Bank Profitability in Macao WOOLDRIDGE, J M 1997 Econometric analysis of cross section and panel data PH L C B ng PL1: K t qu h i quy POOL, bi n ph thu c ROA Bi n ph thu c: ROA : Bình p nh iv i d li u b ng (Panel Least Squares) n: 2008 2013 S th m: S chéo (Ngân hàng): 41 T ng quan sát d li u b ng không cân b ng: 217 Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t KINH T 0.098*** 0.0000 0.099*** 0.0001 0.031*** 0.0000 0.030*** 0.0000 0.030*** 0.0000 -0.009 0.3444 -0.010 0.2744 -0.010 0.2753 0.0000 0.00004*** 0.0000 0.00004*** 0.0000 0.033 0.6054 0.126** 0.0503 0.127* 0.0512 -0.001*** 0.0053 -0.001 0.1254 -0.0007 0.1271 0.001 0.8572 0.0011 0.8615 -0.006*** 0.0000 -0.006*** 0.0006 0.00005 QM LP 0.0111 0.00004*** NGÂN HÀNG 0.020** 0.9757 GDP TỒN C U HĨA R2 R2 0.696 u ch nh Sai s c a h i quy T ph Log likelihood F-statistic Prob(F-statistic) 0.723 0.723 0.689 0.714 0.713 0.005 0.005 0.005 0.006 0.005 0.005 840.238 850.517 850.518 96.534*** 78.053*** 67.970*** 0.000 0.000 0.000000 ng v i m B ng PL2: K t qu h i quy POOL, bi n ph thu c ROE Bi n ph thu c: ROE : nh iv i d li u b ng (Panel Least Squares) n: 2008 2013 S th m: S chéo (Ngân hàng): 41 T ng quan sát d li u b ng không cân b ng: 217 Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t KINH T 0.828*** 0.0000 0.793*** 0.0000 -0.225*** 0.0000 -0.231*** 0.0000 -0.229*** 0.0000 0.016 0.8097 0.0002 0.9977 0.001 0.9889 0.0000 0.0003*** 0.0000 0.0003*** 0.0000 1.600*** 0.0005 2.693*** 0.0000 2.680*** 0.0000 0.005* 0.0987 0.012*** 0.0000 0.012*** 0.0000 0.056 0.1798 0.058 0.1686 -0.069*** 0.0000 -0.067*** 0.0000 -0.004 QM LP 0.3377 0.0003*** NGÂN HÀNG -0.053 0.6911 GDP TOÀN C U HÓA R2 R2 0.610 u ch nh Sai s c a h i quy T ph Log likelihood F-statistic Prob(F-statistic) 0.709 0.709 0.601 0.699 0.698 0.037 0.032 0.032 0.283 0.211 0.211 412.779 444.479 444.558 65.969*** 72.644*** 63.324*** 0.000 0.000 0.000000 ng v i m B ng PL3: K t qu h i quy POOL, bi n ph thu c NIM Bi n ph thu c: NIM : nh iv i d li u b ng (Panel Least Squares) n: 2008 2013 S th m: S chéo (Ngân hàng): 41 T ng quan sát d li u b ng không cân b ng: 217 Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t KINH T -0.256*** 0.0046 -0.340*** 0.0016 0.093*** 0.0012 0.098*** 0.0004 0.103*** 0.0002 0.644*** 0.0000 0.636*** 0.0000 0.638*** 0.0000 0.0000 0.0001*** 0.0000 0.0001*** 0.0000 2.002*** 0.0000 1.781*** 0.0000 1.752*** 0.0000 -0.002 QM LP 0.6292 0.0001*** NGÂN HÀNG 0.016 0.2834 0.1421 -0.002 0.1800 0.0010 0.097*** 0.0012 0.019*** 0.0027 0.025*** 0.0011 -0.009 GDP -0.003 0.092*** 0.1482 TOÀN C U HÓA R2 R2 0.733 u ch nh Sai s c a h i quy T ph Log likelihood F-statistic Prob(F-statistic) 0.750 0.753 0.727 0.742 0.743 0.022 0.021 0.021 0.100 0.094 0.093 525.682 532.722 533.764 116.118*** 89.664*** 79.085*** 0.000 0.000 0.000 ng v i m B ng PL4: K t qu h i quy FEM, h s ch ng Ngân hàng, bi n ph thu c ROA Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t 0.073*** 0.0111 0.069*** 0.0004 0.062*** 0.0073 0.0226*** 0.0043 0.022*** 0.0067 0.022*** 0.0063 KINH T 0.7406 -0.003 0.7367 -0.003 0.708 0.0000 0.00005*** 0.0000 0.00005*** 0.0000 0.1748** 0.0101 0.197*** 0.0099 -0.202*** 0.0088 -0.004*** 0.0000 -0.005*** 0.0000 -0.005*** 0.0000 -0.0036 0.5058 -0.003 05504 0.0012 0.5669 0.0018 0.4470 -0.0007 QM LP -0.0029 0.00005*** NGÂN HÀNG 0.6014 GDP TOÀN C U HÓA ng v i m B ng PL5: K t qu h i quy FEM, h s ch i theo th i gian, bi n ph thu c ROA Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t KINH T 0.066 0.4242 0.3814 0.4008 0.0315*** 0.0000 0.031*** 0.0000 0.0304*** 0.0000 -0.0094 0.3086 -0.009 0.3089 -0.0094 0.3075 0.0000 0.00004*** 0.0000 0.00004*** 0.0000 0.126* QM LP 0.3225 0.00005*** NGÂN HÀNG 0.0078 0.0579 0.130* 0.0502 0.131** 0.049 -0.001 0.1673 -0.001 0.1386 -0.0007 0.1274 0.059 0.4868 0.0439 0.0617 -0.004 0.4189 -0.0020 0.7587 -0.2273 0.4791 GDP TỒN C U HĨA ng v i m B ng PL6: K t qu h i quy FEM, h s ch hàng th ng Ngân ng b t bi n chi u), bi n ph thu c ROA Bi n C HSTTT RRTD H s n tính Xác su t H s n tính Xác su t H s n tính Xác su t 0.112*** 0.0000 0.1935** 0.0148 0.424 0.3305 0.020** 0.0170 0.0184** 0.0270 0.018** 0.0301 KINH T 0.6261 -0.004 0.6412 -0.004 0.6386 0.0000 0.00005*** 0.0000 0.00005*** 0.0000 0.219*** 0.0049 0.201* 0.0075 -0.209*** 0.0075 -0.006*** 0.0000 -0.006*** 0.0000 -0.006*** 0.0075 0.012 0.9020 0.0194 0.8393 -0.006 0.2696 -0.0039 0.5075 -0.1654 QM LP -0.004 0.00005*** NGÂN HÀNG 0.5907 GDP TỒN C U HĨA ng v i m B ng PL7: K t qu ki nh Hausman, bi n ph thu c ROA Cross section Chi-Sq Statistic 66.20 45.93 51.59 20.69 random 0.000 0.000 0.000 0.001 Prob / / / / / B d li u nghiên c u STT Year Bank QM HSTTT RRTD NSLD CPHD LP GDP ROA ROE NIM DMKT 2008 ABBank 16.41776 0.29313 0.01242 36.94870 0.01826 0.19900 14.29549 0.00324 0.01256 0.04142 1.50644 2009 ABBank 17.09334 0.16930 0.01106 181.50670 0.01326 0.06520 14.40837 0.01558 0.06942 0.05352 1.25988 2010 ABBank 17.45351 0.12238 0.01063 232.82450 0.01549 0.11750 14.58461 0.01538 0.10665 0.06080 1.37786 2011 ABBank 17.54221 0.11369 0.01596 114.44130 0.02085 0.18130 14.83792 0.00772 0.06501 0.09400 1.52587 2012 ABBank 17.64776 0.10533 0.02205 134.79096 0.02372 0.06810 14.99276 0.00850 0.07664 0.08897 1.46521 2013 ABBank 17.86951 0.09968 0.02763 54.54482 0.01853 0.06040 15.09206 0.00271 0.02641 0.05320 2.28822 2008 ACB 18.47238 0.07375 0.00656 320.34227 0.01511 0.19900 14.29549 0.02319 0.28464 0.07832 1.50644 2009 ACB 18.93877 0.06020 0.00805 330.06508 0.01078 0.06520 14.40837 0.01611 0.21781 0.04491 1.25988 2010 ACB 19.13902 0.05547 0.00822 321.81861 0.01053 0.11750 14.58461 0.01252 0.20522 0.04775 1.37786 10 2011 ACB 19.45393 0.04256 0.00959 372.44177 0.01120 0.18130 14.83792 0.01320 0.26823 0.06427 1.52587 11 2012 ACB 18.98774 0.07160 0.01461 76.30560 0.02422 0.06810 14.99276 0.00343 0.06210 0.06683 1.46521 12 2013 ACB 18.93110 0.07506 0.01444 90.51506 0.02257 0.06040 15.09206 0.00482 0.06578 0.04092 2.28822 13 2008 Agribank 19.80819 0.04398 0.01895 62.53140 0.01435 0.19900 14.29549 0.00584 0.12059 0.04903 1.50644 14 2009 Agribank 19.99125 0.04004 0.01727 50.55648 0.01963 0.06520 14.40837 0.00403 0.09225 0.03121 1.25988 15 2010 Agribank 20.09775 0.05205 0.02679 31.59903 0.02306 0.11750 14.58461 0.00240 0.04386 0.03903 1.37786 16 2011 Agribank 20.14745 0.05515 0.03974 85.63626 0.03066 0.18130 14.83792 0.00646 0.11422 0.05878 1.52587 17 2009 BaoVietBank 15.79923 0.21502 0.00240 257.58367 0.01101 0.06520 14.40837 0.00868 0.04037 0.07258 1.25988 18 2010 BaoVietBank 16.43421 0.12013 0.00595 238.77297 0.01092 0.11750 14.58461 0.01263 0.08042 0.05130 1.37786 19 2011 BaoVietBank 16.39761 0.12637 0.01184 178.92570 0.01815 0.18130 14.83792 0.00858 0.06916 0.05471 1.52587 20 2012 BaoVietBank 16.40201 0.23740 0.02034 132.61863 0.01878 0.06810 14.40837 0.00687 0.03777 0.05877 1.46521 21 2008 BIDV 19.32285 0.05463 0.02555 151.09863 0.00887 0.19900 14.29549 0.00878 0.14699 0.03878 1.50644 22 2009 BIDV 19.50733 0.05951 0.02617 193.64268 0.01530 0.06520 14.40837 0.01038 0.15973 0.03379 1.25988 23 2010 BIDV 19.71888 0.06613 0.02082 228.08443 0.01514 0.11750 14.58461 0.01134 0.15515 0.03616 1.37786 24 2011 BIDV 19.82126 0.06011 0.01993 179.65415 0.01640 0.18130 14.83792 0.00831 0.13157 0.04300 1.52587 25 2012 BIDV 19.99922 0.05465 0.01740 138.61852 0.00944 0.06810 14.99276 0.00577 0.09703 0.02709 1.46521 26 2013 BIDV 20.12249 0.05843 0.01572 222.20438 0.01356 0.06040 15.09206 0.00784 0.13841 0.03567 2.28822 27 2008 Vietinbank 19.08125 0.06372 0.01781 107.47894 0.02561 0.19900 14.29549 0.01003 0.14627 0.05954 1.50644 28 2009 Vietinbank 19.31180 0.05157 0.00951 71.71663 0.01298 0.06520 14.40837 0.00582 0.10130 0.02728 1.25988 29 2010 Vietinbank 19.72281 0.04941 0.01183 197.49916 0.01957 0.11750 14.58461 0.01114 0.18742 0.05162 1.37786 30 2011 Vietinbank 19.94805 0.06186 0.01035 335.29132 0.01971 0.18130 14.83792 0.01508 0.21915 0.06832 1.52587 31 2012 Vietinbank 20.03715 0.06678 0.01102 310.05771 0.01874 0.06810 14.99276 0.01276 0.18295 0.05526 1.46521 32 2013 Vietinbank 20.17226 0.09419 0.00877 292.06366 0.01719 0.06040 15.09206 0.01076 0.13181 0.04857 2.28822 33 2008 DaiABank 14.93758 0.23769 0.00414 186.48638 0.02265 0.19900 14.29549 0.01879 0.06565 0.05704 1.50644 34 2009 DaiABank 15.77246 0.14813 0.00200 49.54673 0.01841 0.06520 14.40837 0.00418 0.02023 0.03646 1.25988 35 2010 DaiABank 16.22803 0.28876 0.00806 149.06250 0.01625 0.11750 14.58461 0.01020 0.02886 0.03680 1.37786 36 2011 DaiABank 16.91570 0.15818 0.00981 492.20949 0.01633 0.18130 14.83792 0.02239 0.10637 0.12552 1.52587 37 2012 DaiABank 16.70088 0.18865 0.02519 206.08954 0.02545 0.06810 14.99276 0.00953 0.05654 0.08234 1.46521 38 2008 DongABank 17.36263 0.10126 0.01044 149.94072 0.01630 0.19900 14.29549 0.01734 0.15327 0.03449 1.50644 39 2009 DongABank 17.56549 0.09879 0.01003 159.21105 0.01714 0.06520 14.40837 0.01522 0.13990 0.03222 1.25988 40 2010 DongABank 17.83859 0.09701 0.01165 154.99459 0.01668 0.11750 14.58461 0.01340 0.12164 0.03586 1.37786 41 2011 DongABank 17.99830 0.08869 0.01504 216.83974 0.01977 0.18130 14.83792 0.01560 0.16292 0.05607 1.52587 42 2012 DongABank 18.05364 0.08811 0.01765 122.08418 0.01984 0.06810 14.99276 0.00856 0.09456 0.04925 1.46521 43 2013 DongABank 18.13193 0.07855 0.01689 61.90304 0.02063 0.06040 15.09206 0.00455 0.05474 0.04199 2.28822 44 2008 Eximbank 17.69186 0.26621 0.01772 229.06379 0.01249 0.19900 14.29549 0.01735 0.05536 0.06216 1.50644 45 2009 Eximbank 17.99677 0.20403 0.00987 299.59339 0.01386 0.06520 14.40837 0.01992 0.08481 0.05146 1.25988 46 2010 Eximbank 18.69155 0.10305 0.01007 405.77795 0.00783 0.11750 14.58461 0.01846 0.13431 0.04624 1.37786 47 2011 Eximbank 19.02809 0.08881 0.00829 559.64346 0.01040 0.18130 14.83792 0.01931 0.18640 0.07103 1.52587 48 2012 Eximbank 18.95223 0.09293 0.00809 368.73362 0.01350 0.06810 14.99276 0.01209 0.13525 0.06542 1.46521 49 2013 Eximbank 18.95034 0.08644 0.00853 122.84707 0.01249 0.06040 15.09206 0.00387 0.04320 0.03283 2.28822 50 2008 Ficombank 14.20697 0.45609 0.00425 371.23164 0.01582 0.19900 14.29549 0.03909 0.08570 0.12543 1.50644 51 2009 Ficombank 14.31042 0.66075 0.00426 371.23164 0.01767 0.06520 14.40837 0.04213 0.06062 0.09954 1.25988 52 2010 Ficombank 15.86618 0.27503 0.00756 257.72010 0.00772 0.11750 14.58461 0.02289 0.05039 0.03904 1.37786 53 2008 GP.Bank 15.92683 0.12170 0.01321 148.88677 0.01603 0.18130 14.83792 0.00659 0.05417 -0.01077 1.52587 54 2009 GP.Bank 16.66475 0.12009 0.00391 148.88677 0.01027 0.06810 14.40837 0.01040 0.06402 0.02302 1.25988 55 2010 GP.Bank 17.13806 0.11384 0.00690 193.38534 0.01069 0.06040 14.58461 0.00914 0.06518 0.01132 1.37786 56 2008 HabuBank 16.97704 0.12678 0.02290 370.49727 0.01097 0.19900 14.83792 0.01495 0.11767 0.07235 1.50644 57 2009 HabuBank 17.19106 0.11121 0.01646 370.49727 0.01162 0.06520 14.40837 0.01542 0.12533 0.04930 1.25988 58 2010 HabuBank 17.45277 0.09302 0.02057 325.35587 0.01019 0.11750 14.58461 0.01417 0.13480 0.04007 1.37786 59 2011 HabuBank 17.53602 0.10635 0.02644 125.61749 0.01249 0.18130 14.83792 0.00591 0.05333 0.03744 1.52587 60 2008 HDBank 16.07288 0.17500 0.00649 76.55683 0.01381 0.19900 14.29549 0.00513 0.03584 0.01849 1.50644 61 2009 HDBank 16.76663 0.09391 0.00774 150.78028 0.01048 0.06520 14.40837 0.01354 0.10812 0.02852 1.25988 62 2010 HDBank 17.35325 0.06856 0.00723 153.77226 0.00983 0.11750 14.58461 0.01007 0.11427 0.04454 1.37786 63 2011 HDBank 17.62274 0.07879 0.01016 197.26920 0.01321 0.18130 14.83792 0.01074 0.12022 0.09452 1.52587 64 2012 HDBank 17.78170 0.10219 0.00924 159.62396 0.01509 0.06810 14.99276 0.00667 0.06052 0.04020 1.46521 65 2008 KienLongBank 14.89359 0.35634 0.00528 37.03082 0.02773 0.19900 14.29549 0.01450 0.03557 0.05741 1.50644 66 2009 KienLongBank 15.82754 0.14932 0.00595 65.19929 0.01593 0.06520 14.40837 0.01759 0.08203 0.05032 1.25988 67 2010 KienLongBank 16.35141 0.25539 0.00881 99.51452 0.01439 0.11750 14.58461 0.01943 0.06057 0.07116 1.37786 68 2011 KienLongBank 16.69747 0.19363 0.01128 286.78488 0.01985 0.18130 14.83792 0.02590 0.11418 0.10439 1.52587 69 2012 KienLongBank 16.73765 0.18540 0.01465 126.44993 0.03055 0.06810 14.99276 0.01927 0.10190 0.11133 1.46521 70 2013 KienLongBank 16.87760 0.16263 0.01031 101.49838 0.02749 0.06040 15.09206 0.01569 0.09058 0.08528 2.28822 71 2008 LienVietPostBank 15.82412 0.46245 0.00208 698.56378 0.02025 0.19900 14.29549 0.05952 0.12870 0.18261 1.50644 72 2009 LienVietPostBank 16.67008 0.22043 0.00531 688.84311 0.01854 0.06520 14.40837 0.04352 0.14107 0.12105 1.25988 73 2010 LienVietPostBank 17.37042 0.11738 0.00796 490.23690 0.01461 0.11750 14.58461 0.02609 0.16630 0.12450 1.37786 74 2011 LienVietPostBank 17.84322 0.11747 0.00918 495.45030 0.01674 0.18130 14.83792 0.02145 0.14817 0.16130 1.52587 75 2012 LienVietPostBank 18.01140 0.11129 0.01754 367.55292 0.01561 0.06810 14.99276 0.01417 0.11746 0.10672 1.46521 76 2013 LienVietPostBank 18.19245 0.09135 0.02010 367.55292 0.01497 0.06040 15.09206 0.00776 0.07724 0.07685 2.28822 77 2008 MBBank 17.60754 0.09976 0.01569 288.85749 0.00677 0.19900 14.29549 0.01902 0.15899 0.09026 1.50644 78 2009 MBBank 18.04974 0.09982 0.01511 365.02868 0.01136 0.06520 14.40837 0.01932 0.15893 0.06212 1.25988 79 2010 MBBank 18.51256 0.08103 0.01513 419.72984 0.01144 0.11750 14.58461 0.01917 0.19275 0.07212 1.37786 80 2011 MBBank 18.74877 0.06945 0.01850 417.16536 0.01355 0.18130 14.83792 0.01712 0.22056 0.08845 1.52587 81 2012 MBBank 18.98378 0.07325 0.01763 397.15450 0.01536 0.06810 14.99276 0.01467 0.17925 0.08865 1.46521 82 2013 MBBank 19.01058 0.08398 0.02017 372.99543 0.01523 0.06040 15.09206 0.01284 0.16319 0.06980 2.28822 83 2008 MDB 14.52939 0.28288 0.00739 182.14795 0.01442 0.19900 14.29549 0.03676 0.11510 0.09743 1.50644 84 2009 MDB 14.74128 0.41166 0.00910 250.51759 0.01849 0.06520 14.40837 0.04368 0.09597 0.07232 1.25988 85 2010 MDB 16.66430 0.22136 0.00924 304.72608 0.00429 0.11750 14.58461 0.01641 0.04249 0.10585 1.37786 86 2011 MDB 16.14193 0.37907 0.01169 280.81711 0.02661 0.18130 14.83792 0.02769 0.09809 0.25312 1.52587 87 2012 MDB 15.96692 0.46376 0.01837 63.82650 0.04975 0.06810 14.99276 0.01222 0.02888 0.19013 1.46521 88 2013 MDB 15.67759 0.61408 0.01028 58.68577 0.06924 0.06040 15.09206 0.00845 0.01599 0.15778 2.28822 89 2008 MHB 17.37549 0.03185 0.01019 18.26803 0.01386 0.19900 14.29549 0.00166 0.04638 0.02689 1.50644 90 2009 MHB 17.50683 0.02905 0.01068 18.22218 0.01550 0.06520 14.40837 0.00144 0.04654 0.03223 1.25988 91 2010 MHB 17.75146 0.06275 0.01205 24.34726 0.01530 0.11750 14.58461 0.00177 0.02520 0.04138 1.37786 92 2011 MHB 17.67164 0.06740 0.01239 23.86672 0.01984 0.18130 14.83792 0.00171 0.02635 0.04512 1.52587 93 2012 MHB 17.45257 0.09057 0.01803 86.55147 0.03186 0.06810 14.99276 0.00734 0.09093 0.06053 1.46521 94 2008 Maritime Bank 17.30062 0.05742 0.00764 229.12446 0.00894 0.19900 14.29549 0.01262 0.16903 0.06479 1.50644 95 2009 Maritime Bank 17.97255 0.05563 0.00725 409.80170 0.00797 0.06520 14.40837 0.01602 0.21750 0.05356 1.25988 96 2010 Maritime Bank 18.56336 0.05486 0.00968 447.28141 0.00801 0.11750 14.58461 0.01291 0.18287 0.06032 1.37786 97 2011 Maritime Bank 18.55499 0.08306 0.00966 169.68291 0.01098 0.18130 14.83792 0.00694 0.08393 0.04125 1.52587 98 2012 Maritime Bank 18.51529 0.08269 0.02593 62.21874 0.01688 0.06810 14.99276 0.00202 0.02491 0.06944 1.46521 99 2013 Maritime Bank 18.44832 0.09149 0.02675 62.21874 0.01592 0.06040 15.09206 0.00325 0.03679 0.06204 2.28822 100 2008 Nam A Bank 15.58894 0.21884 0.00528 12.00247 0.02002 0.19900 14.29549 0.00174 0.00753 0.02690 1.50644 101 2009 Nam A Bank 16.20776 0.12220 0.00512 66.18824 0.01185 0.06520 14.40837 0.00669 0.04209 0.04047 1.25988 102 2010 Nam A Bank 16.49026 0.14990 0.01025 142.31211 0.01178 0.11750 14.58461 0.01089 0.06373 0.04951 1.37786 103 2011 Nam A Bank 16.76194 0.17336 0.00844 229.06857 0.01302 0.18130 14.83792 0.01434 0.07288 0.06149 1.52587 104 2012 Nam A Bank 16.58861 0.20470 0.01017 162.74324 0.01971 0.06810 14.99276 0.01031 0.05513 0.06542 1.46521 105 2013 Nam A Bank 17.17525 0.11321 0.00661 125.30297 0.01447 0.06040 15.09206 0.00576 0.04126 0.03467 2.28822 106 2008 NCB (Navibank) 16.20476 0.09868 0.00401 50.88602 0.01652 0.19900 14.29549 0.00549 0.05310 0.03879 1.50644 107 2009 NCB (Navibank) 16.74350 0.06239 0.00958 135.63429 0.01076 0.06520 14.40837 0.00962 0.12214 0.02881 1.25988 108 2010 NCB (Navibank) 16.81206 0.10103 0.01185 123.06980 0.01375 0.11750 14.58461 0.00811 0.07759 0.04554 1.37786 109 2011 NCB (Navibank) 16.92885 0.14296 0.01232 112.98504 0.01753 0.18130 14.83792 0.00782 0.05168 0.05731 1.52587 110 2012 NCB (Navibank) 16.88747 0.14752 0.01696 1.56630 0.03013 0.06810 14.99276 0.00011 0.00075 0.05678 1.46521 111 2013 NCB (Navibank) 17.18537 0.11018 0.01552 11.65025 0.02126 0.06040 15.09206 0.00073 0.00578 0.04423 2.28822 112 2008 Oceanbank 16.46107 0.07651 0.00193 70.23256 0.00652 0.19900 14.29549 0.00326 0.04202 0.01092 1.50644 113 2009 Oceanbank 17.33553 0.06667 0.00493 253.99218 0.00584 0.06520 14.40837 0.00950 0.10093 0.04356 1.25988 114 2010 Oceanbank 17.82537 0.07413 0.01037 382.94481 0.00663 0.11750 14.58461 0.01170 0.12733 0.07041 1.37786 115 2011 Oceanbank 17.95290 0.07414 0.01206 264.03193 0.00981 0.18130 14.83792 0.00829 0.10507 0.08311 1.52587 116 2012 Oceanbank 17.98159 0.06957 0.02573 112.13324 0.01077 0.06810 14.99276 0.00383 0.05423 0.06175 1.46521 117 2013 Oceanbank 18.02133 0.06491 0.02544 65.27024 0.01074 0.06040 15.09206 0.00287 0.04268 0.04990 2.28822 118 2008 Oricombank 16.12752 0.15762 0.00812 48.60463 0.02054 0.19900 14.29549 0.00595 0.04087 0.03028 1.50644 119 2009 Oricombank 16.35603 0.18373 0.01048 143.68571 0.01778 0.06520 14.40837 0.01810 0.08846 0.04636 1.25988 120 2010 Oricombank 16.79560 0.15947 0.00903 190.30375 0.01429 0.11750 14.58461 0.01881 0.09698 0.05426 1.37786 121 2011 Oricombank 17.05142 0.14753 0.01259 168.08440 0.01667 0.18130 14.83792 0.01342 0.08069 0.06489 1.52587 122 2012 Oricombank 17.12693 0.13928 0.01806 107.52806 0.01862 0.06810 14.99276 0.00870 0.06019 0.06875 1.46521 123 2013 Oricombank 17.30580 0.12089 0.01018 128.68497 0.01860 0.06040 15.09206 0.00802 0.06203 0.06232 2.28822 124 2008 PGBank 15.63751 0.16589 0.00749 123.65283 0.01649 0.19900 14.29549 0.01206 0.06388 0.05857 1.50644 125 2009 PGBank 16.15909 0.10496 0.00751 201.79585 0.01518 0.06520 14.40837 0.02108 0.16000 0.04701 1.25988 126 2010 PGBank 16.61147 0.13270 0.00967 188.95596 0.01725 0.11750 14.58461 0.01633 0.10068 0.04747 1.37786 127 2011 PGBank 16.68239 0.14736 0.01518 324.54909 0.02579 0.18130 14.83792 0.02628 0.17223 0.09052 1.52587 128 2012 PGBank 16.77307 0.16592 0.02309 166.54060 0.02894 0.06810 14.99276 0.01303 0.07514 0.07113 1.46521 129 2013 PGBank 17.02940 0.12943 0.01349 27.17070 0.01992 0.06040 15.09206 0.00173 0.01195 0.03910 2.28822 130 2008 Southern Bank 16.84861 0.11477 0.00636 66.74030 0.01273 0.19900 14.29549 0.00617 0.04907 0.02281 1.50644 131 2009 Southern Bank 17.38429 0.08276 0.00997 141.22880 0.00823 0.06520 14.40837 0.00883 0.08453 0.02063 1.25988 132 2010 Southern Bank 17.91377 0.05932 0.00904 194.42181 0.00676 0.11750 14.58461 0.00876 0.11725 0.00996 1.37786 133 2011 Southern Bank 18.06388 0.05740 0.01363 78.24356 0.00939 0.18130 14.83792 0.00345 0.05598 0.00477 1.52587 134 2012 Southern Bank 18.13659 0.05760 0.02083 40.27115 0.00942 0.06810 14.99276 0.00166 0.02778 -0.00654 1.46521 135 2013 Southern Bank 18.16653 0.05566 0.02683 5.96873 0.00950 0.06040 15.09206 0.00023 0.00415 0.00619 2.28822 136 2008 Saigonbank 16.23190 0.13117 0.00909 124.32305 0.01552 0.19900 14.29549 0.01508 0.10971 0.03933 1.50644 137 2009 Saigonbank 16.29002 0.16291 0.01254 154.26285 0.01868 0.06520 14.40837 0.01821 0.10860 0.05267 1.25988 138 2010 Saigonbank 16.63760 0.20972 0.01396 577.77907 0.01635 0.11750 14.58461 0.05543 0.22548 0.05474 1.37786 139 2011 Saigonbank 16.54761 0.21509 0.02122 213.59663 0.02081 0.18130 14.83792 0.01889 0.09197 0.07529 1.52587 140 2012 Saigonbank 16.51368 0.23831 0.01008 204.99724 0.02579 0.06810 14.99276 0.01967 0.08398 0.08900 1.46521 141 2013 Saigonbank 16.54289 0.22888 0.00951 120.78322 0.02529 0.06040 15.09206 0.01123 0.04907 0.06354 2.28822 142 2008 SCB 17.46866 0.07278 0.00763 351.43182 0.01209 0.19900 14.29549 0.01437 0.16513 0.04373 1.50644 143 2009 SCB 17.81357 0.08412 0.01090 172.93077 0.00835 0.06520 14.40837 0.00676 0.06866 0.02660 1.25988 144 2010 SCB 17.91290 0.07827 0.02317 134.01880 0.00978 0.11750 14.58461 0.00485 0.05903 0.01390 1.37786 145 2012 SCB 18.82084 0.07620 0.01122 30.16777 0.01577 0.06810 14.99276 0.00043 0.00561 0.03625 1.46521 146 2013 SCB 19.01411 0.07244 0.00735 30.16777 0.00998 0.06040 15.09206 0.00026 0.00348 0.02227 2.28822 147 2008 SeABank 16.92787 0.18586 0.01040 321.10200 0.00887 0.19900 14.29549 0.01318 0.07687 0.08443 1.50644 148 2009 SeABank 17.23641 0.17915 0.01673 418.00000 0.00871 0.06520 14.40837 0.01733 0.08388 0.07495 1.25988 149 2010 SeABank 17.82723 0.10397 0.01488 410.41618 0.00809 0.11750 14.58461 0.01466 0.10955 0.05175 1.37786 150 2011 SeABank 18.43155 0.05477 0.01670 50.81782 0.00583 0.18130 14.83792 0.00161 0.02277 0.04327 1.52587 151 2012 SeABank 18.13389 0.07436 0.02782 22.41564 0.01264 0.06810 14.99276 0.00060 0.00949 0.06937 1.46521 152 2013 SeABank 18.19584 0.07170 0.02417 75.28387 0.01003 0.06040 15.09206 0.00196 0.02683 0.04119 2.28822 153 2008 SHB 16.48144 0.15761 0.00408 230.77014 0.01325 0.19900 14.29549 0.01456 0.08593 0.02572 1.50644 154 2009 SHB 17.12858 0.08799 0.00991 236.20549 0.01238 0.06520 14.40837 0.01522 0.13173 0.05016 1.25988 155 2010 SHB 17.74798 0.08197 0.01118 244.47527 0.01332 0.11750 14.58461 0.01259 0.11817 0.04989 1.37786 156 2011 SHB 18.07804 0.08214 0.01217 265.15106 0.01586 0.18130 14.83792 0.01234 0.12915 0.06507 1.52587 157 2012 SHB 18.57372 0.08157 0.02196 337.72398 0.01441 0.06810 14.99276 0.01799 0.17749 0.03294 1.46521 158 2013 SHB 18.78272 0.07210 0.01552 169.88045 0.01296 0.06040 15.09206 0.00653 0.08557 0.02750 2.28822 159 2008 Sacombank 18.04145 0.11337 0.00719 158.70229 0.01856 0.19900 14.29549 0.01436 0.12306 0.03275 1.50644 160 2009 Sacombank 18.46009 0.10139 0.00864 232.02208 0.01575 0.06520 14.40837 0.01937 0.15840 0.03860 1.25988 161 2010 Sacombank 18.84193 0.09199 0.00995 220.01834 0.01429 0.11750 14.58461 0.01460 0.13352 0.04717 1.37786 162 2011 Sacombank 18.76759 0.10283 0.01009 215.34296 0.02537 0.18130 14.83792 0.01406 0.14205 0.07254 1.52587 163 2012 Sacombank 18.84017 0.09005 0.01502 97.22308 0.02731 0.06810 14.99276 0.00683 0.07317 0.06744 1.46521 164 2013 Sacombank 18.89926 0.10574 0.01222 191.14269 0.02606 0.06040 15.09206 0.01422 0.14492 0.05994 2.28822 165 2008 Techcombank 17.89914 0.09460 0.02316 277.75308 0.00840 0.19900 14.29549 0.02372 0.20892 0.06704 1.50644 166 2009 Techcombank 18.34360 0.07911 0.01217 338.14021 0.01279 0.06520 14.40837 0.02238 0.23214 0.05939 1.25988 167 2010 Techcombank 18.82809 0.06247 0.01154 277.06924 0.01056 0.11750 14.58461 0.01707 0.22076 0.06016 1.37786 168 2011 Techcombank 19.01141 0.06933 0.01401 413.66291 0.01163 0.18130 14.83792 0.01907 0.25198 0.08350 1.52587 169 2012 Techcombank 19.00698 0.07394 0.01652 129.59715 0.01824 0.06810 14.99276 0.00565 0.07659 0.07494 1.46521 170 2013 Techcombank 18.88376 0.08760 0.01688 90.40754 0.02112 0.06040 15.09206 0.00389 0.04844 0.06170 2.28822 171 2008 TienPhongBank 14.69872 0.42203 0.55316 205.32927 0.02183 0.19900 14.29549 0.02088 0.04949 0.45526 1.50644 172 2009 TienPhongBank 16.18842 0.15269 0.00659 311.93431 0.01154 0.06520 14.40837 0.01950 0.07827 0.06780 1.25988 173 2010 TienPhongBank 16.85475 0.15307 0.01317 238.81536 0.00941 0.11750 14.58461 0.01023 0.05056 0.04071 1.37786 174 2013 TienPhongBank 17.28399 0.11533 0.00981 322.38800 0.01319 0.06040 15.09206 0.01616 0.10866 0.05010 2.28822 175 2008 TinNghiaBank 15.43131 0.11928 0.00813 59.98962 0.00872 0.19900 14.29549 0.00376 0.02888 0.02005 1.50644 176 2009 TinNghiaBank 16.58435 0.22694 0.00938 623.34314 0.00748 0.06520 14.40837 0.01819 0.05273 0.04254 1.25988 177 2010 TinNghiaBank 17.65311 0.08407 0.00915 369.64176 0.00621 0.11750 14.58461 0.01238 0.09890 0.03893 1.37786 178 2008 VNCB 14.91092 0.19475 0.00130 70.12838 0.01455 0.19900 14.29549 0.01004 0.03564 0.04198 1.50644 179 2009 VNCB 15.95883 0.18274 0.00493 98.04077 0.01243 0.06520 14.40837 0.00793 0.02932 0.01890 1.25988 180 2010 VNCB 16.79925 0.16474 0.00750 201.05537 0.00997 0.11750 14.58461 0.01669 0.07251 0.04529 1.37786 181 2011 VNCB 17.11613 0.11865 0.01009 118.32612 0.01152 0.18130 14.83792 0.00699 0.05095 0.04122 1.52587 182 2008 Vietcombank 19.21796 0.06213 0.03781 145.63558 0.00780 0.19900 14.29549 0.00640 0.09729 0.03278 1.50644 183 2009 Vietcombank 19.35872 0.06540 0.03266 377.01711 0.01368 0.06520 14.40837 0.01643 0.23467 0.04589 1.25988 184 2010 Vietcombank 19.54438 0.06741 0.03152 375.10241 0.01488 0.11750 14.58461 0.01521 0.20648 0.04635 1.37786 185 2011 Vietcombank 19.72012 0.07809 0.02544 334.00804 0.01554 0.18130 14.83792 0.01245 0.14654 0.05932 1.52587 186 2012 Vietcombank 19.84252 0.10025 0.02195 322.92337 0.01451 0.06810 14.99276 0.01127 0.10598 0.04542 1.46521 187 2013 Vietcombank 19.96610 0.09038 0.02352 315.75173 0.01331 0.06040 15.09206 0.00991 0.10431 0.03931 2.28822 188 2008 VIBank 17.36280 0.06603 0.00944 68.49655 0.01746 0.19900 14.29549 0.00456 0.07365 0.04141 1.50644 189 2009 VIBank 17.85221 0.05206 0.00912 177.27363 0.01530 0.06520 14.40837 0.01014 0.15708 0.04150 1.25988 190 2010 VIBank 18.35696 0.07027 0.01134 243.88807 0.01269 0.11750 14.58461 0.01051 0.11996 0.05020 1.37786 191 2011 VIBank 18.38970 0.08417 0.01581 150.03405 0.01750 0.18130 14.83792 0.00670 0.07831 0.08585 1.52587 192 2012 VIBank 17.99026 0.12875 0.01694 139.59792 0.02793 0.06810 14.99276 0.00646 0.06250 0.08820 1.46521 193 2013 VIBank 18.15769 0.10384 0.02626 139.59792 0.02031 0.06040 15.09206 0.00071 0.00615 0.05493 2.28822 194 2008 VietABank 16.14531 0.14017 0.00894 72.18200 0.01512 0.19900 14.29549 0.00731 0.05011 0.02996 1.50644 195 2009 VietABank 16.57658 0.10842 0.01014 153.28102 0.01350 0.06520 14.40837 0.01610 0.12246 0.02905 1.25988 196 2010 VietABank 16.99701 0.14099 0.01496 165.91656 0.01275 0.11750 14.58461 0.01336 0.07848 0.04002 1.37786 197 2011 VietABank 16.92961 0.15885 0.01637 204.33361 0.01469 0.18130 14.83792 0.01065 0.06937 0.04285 1.52587 198 2012 VietABank 17.01861 0.14357 0.01526 135.15815 0.01293 0.06810 14.99276 0.00696 0.04616 0.02458 1.46521 199 2013 VietABank 17.11256 0.13275 0.01341 49.51812 0.01270 0.06040 15.09206 0.00233 0.01688 0.03245 2.28822 200 2011 Vietbank 16.71995 0.16906 0.01287 254.86494 0.02251 0.18130 14.83792 0.01995 0.11801 0.09409 1.52587 201 2012 Vietbank 16.63955 0.18347 0.01263 13.26345 0.02409 0.06810 14.99276 0.00096 0.00542 0.07377 1.46521 202 2008 VietCapitalBank 15.02400 0.31482 0.00255 13.42663 0.01657 0.19900 14.29549 0.00184 0.00469 0.07711 1.50644 203 2009 VietCapitalBank 15.01847 0.33239 0.00772 101.16111 0.02169 0.06520 14.40837 0.01636 0.04935 0.05690 1.25988 204 2010 VietCapitalBank 15.92274 0.25267 0.01000 96.97770 0.01322 0.11750 14.58461 0.00979 0.02720 0.05215 1.37786 205 2011 VietCapitalBank 16.64685 0.19452 0.01071 401.08915 0.01228 0.18130 14.83792 0.02143 0.08178 0.09639 1.52587 206 2012 VietCapitalBank 16.84421 0.15798 0.00942 312.19878 0.01710 0.06810 14.99276 0.01085 0.06253 0.06031 1.46521 207 2008 VPBank 16.73797 0.12884 0.00353 50.31087 0.02422 0.19900 14.29549 0.00776 0.05954 0.05049 1.50644 208 2009 VPBank 17.13126 0.09251 0.00825 122.62531 0.01735 0.06520 14.40837 0.01273 0.11521 0.04890 1.25988 209 2010 VPBank 17.90663 0.08703 0.00905 186.41667 0.00910 0.11750 14.58461 0.01152 0.09671 0.04253 1.37786 210 2011 VPBank 18.23216 0.07240 0.01077 236.45417 0.01573 0.18130 14.83792 0.01121 0.13336 0.07008 1.52587 211 2012 VPBank 18.44612 0.06470 0.01030 210.39699 0.01834 0.06810 14.99276 0.00694 0.09694 0.08040 1.46521 212 2013 VPBank 18.61348 0.06372 0.01152 149.76012 0.02340 0.06040 15.09206 0.00909 0.14099 0.07780 2.28822 213 2008 Western Bank 14.79447 0.41390 0.00424 245.96040 0.01665 0.19900 14.29549 0.05022 0.09020 0.11973 1.50644 214 2009 Western Bank 16.14903 0.11023 0.00349 201.18182 0.00811 0.06520 14.40837 0.01842 0.10511 0.09146 1.25988 215 2010 Western Bank 16.04928 0.22340 0.00753 66.95282 0.01422 0.11750 14.58461 0.00520 0.02450 0.05004 1.37786 216 2011 Western Bank 16.83840 0.15390 0.00488 138.16133 0.01365 0.18130 14.83792 0.00808 0.03818 0.04663 1.52587 217 2012 Western Bank 16.53363 0.21180 0.01950 53.73518 0.01825 0.06810 14.99276 0.00239 0.01328 0.06740 1.46521 ... (2007) Ngân hàng Ngân hàng Ngân hàng 584 Ngân hàng Ngân hàng Ngân hàng (HSTTT Ngân hàng ng 199 9- Ngân hàng -2 009 Dietrich and Wanzenried (2011) Ngân hàng Ngân hàng ln có s hút Ngân hàng UBS- Ngân hàng. .. Bashir) Ngân hàng Ngân hàng phát sinh chi phí lãi Ngân hàng Ngân hàng NIM lãi mà Ngân hàng Ngân hàng Ngân hàng 1.2 V , Ngân hàng Ngân hàng Các Nói cách khác, Ngân hàng Ngân hàng Ngân hàng, Ngân hàng. .. cao Ngân hàng 1.2.1.2 R Ngân hàng thu hút Ngân hàng Ngân hàng Athanasoglou et al (2006) - 2001 Ngân hàng Ngân hàng Ngân hàng Ngân hàng -2 007 Ngân hàng (Vong and Chan, 2007b) Lin et al (2012) Ngân