B GIÁO D O I H C KINH T TP HCM -o0o - NGUY N TH MINH PHÂN TÍCH CÁC NHÂN T NG N HI U QU TÀI CHÍNH C A I C PH N VI T NAM LU TP H B GIÁO D O I H C KINH T TP HCM -o0o - NGUY N TH MINH PHÂN TÍCH CÁC NHÂN T NG N HI U QU TÀI CHÍNH C A I C PH N VI T NAM Chuyên ngành: Tài Ngân hang Mã ngành: 60340201 LU NG D N KHOA H C: PGS.TS BÙI KIM Y N TP H L ng Lu n hi u qu tài c a Ngân hàng TMCP Vi cơng trình nghiên c u c a riêng Tơi Các thơng tin, d li trích d c s d ng Lu c, n i dung u có ghi rõ ngu n g c k t qu trình bày Lu c cơng b t i b t k cơng trình nghiên c u khác Tp H Chí Minh, tháng 05 H c viên Nguy n Th Minh M CL C Trang ph bìa L M cl c Danh m c ký hi u, ch vi t t t Danh m c b ng hình Danh m c bi Danh m c ph l c L IM U: Tính c p thi t c tài nghiên c u M c tiêu nghiên c u ng nghiên c u Ph m vi nghiên c u u B c c c a nghiên c u LÝ LU N V HI U QU TÀI CHÍNH C A NHTMCP 1.1 T ng quan v hi u qu tài c a NHTMCP 1.1.1 Khái ni m v hi u qu tài 1.1.2 Các ch u qu tài c a NHTMCP 1.1.2.1 Các báo cáo tài c a NHTMCP 1.1.2.2 Phân tích CAMELS ch ng hi u qu tài c a NHTMCP 1.1.2.3 H th ng ch tiêu phân tích hi u qu tài c a NHTMCP 1.1.3 Các nhân t n hi u qu tài c a NHTMCP 12 1.1.3.1 Nh ng nhân t thu 1.1.3.2 Nh ng nhân t thu c mô ng vi mô 12 15 1.2 S c n thi t c a vi c phân tích hi u qu tài c a NHTMCP 17 1.2.1 i v i b n thân ngân hàng 17 1.2.1.1 i v i nh i qu u hành 17 1.2.1.2 iv ng 18 1.2.2 iv 19 1.2.3 i v i n n kinh t 19 1.3 Các nghiên c u th gi i Vi t Nam v hi u qu tài c a ngân hàng 20 1.3.1 Nghiên c u c a Ong Tze San The Boon Heng (2012) 20 1.3.2 Nghiên c u c a Vincent Okoth Ongore Gemechu Berhanu Kusa (2013) 22 1.3.3 Nghiên c u c a Tr nh Qu c Trung Nguy K t lu n 23 26 C TR NG V HI U QU TÀI CHÍNH C A NHTMCP VI T NAM 2.1 T ng quan ho t 2.1.1 Tr ng c a h th ng NHTMCP Vi t Nam 27 c gia nh p WTO 27 2.1.2 Sau gia nh p WTO 28 2.2 Th c tr ng hi u qu tài c a NHTMCP Vi t Nam giai o n 2006 2012 29 2.2.1 Quy mô v v c ho ng 32 2.2.2 Các ch tiêu c a khung phân tích CAMELS 34 2.2.2.1 Ch tiêu b 2.2.2.2 Ch tiêu ch m an toàn v n 35 ng tài s n 36 2.2.2.3 Ch tiêu hi u qu ho 2.2.3 Ch ng 39 ng kho n 40 2.2.4 Các ch tiêu hi u qu 41 K t lu n C 44 NGHIÊN C U TH C NGHI M V NG CÁC NHÂN T NH N HI U QU TÀI CHÍNH C A NHTMCP VI T NAM 3.1 Mơ t m u nghiên c u 45 3.2 ng hóa bi n 45 3.2.1 Các nhân t n i t i xu t phát t ngân hàng 46 3.2.1.1 T l an toàn v n (Equity to assset ratio 3.2.1.2 Ch CA) 46 ng tài s n (Loan loss reserves to gross loans 3.2.1.3 Hi u qu qu n lý (Management Efficienct LLR) 47 ME) 47 3.2.1.4 Qu n lý kho n (Liquidity Management LIQ) 48 3.2.1.5 Quy mô ngân hàng (SIZE) 48 3.2.2 Bi n nhân t 49 3.2.2.1 T ng kinh t (GDP) 50 3.2.2.2 T l l m phát (CPI) 50 3.3 Th ng kê mô t ma tr 52 3.3.1 K t qu th ng kê mô t 52 3.3.2 Phân tích ma tr n quan 53 3.4 Mơ hình nghiên c u 54 3.5 u 55 3.5.1 3.5.2 3.5.3 ng 56 h i quy OLS v i hi u ng c nh (Fixed Effect) 57 pháp h i quy OLS v i hi u ng ng u nhiên (Random Effect) 58 3.6 Phân tích nhân t tác ng n hi u qu tài c a NHTMCP Vi t Nam 59 3.6.1 Mơ hình nghiên c u ch bao g m bi n n i t i c a ngân hàng 59 3.6.1.1 Mơ hình h i quy v i bi n ph thu c ROA 59 3.6.1.2 Mơ hình h i quy v i bi n ph thu c ROE 62 3.6.1.3 Mơ hình h i quy v i bi n ph thu c NIM 66 3.6.2 Mơ hình nghiên c u ch bao g m bi n n i t i bi 69 3.6.2.1 Mơ hình h i quy v i bi n ph thu c ROA 69 3.6.2.2 Mô hình h i quy v i bi n ph thu c ROE 71 3.6.2.3 Mơ hình h i quy v i bi n ph thu c NIM 73 3.7 Th o lu n k t qu nghiên c u 74 3.7.1 Bi n t l an toàn v n (CA) 74 3.7.2 Bi n ch ng tài s n (LLR) 75 3.7.3 Bi n hi u qu ho 3.7.4 Bi n ch ng (ME) 76 ng kho n (LIQ) 76 3.7.5 Bi n quy mô ngân hàng (SIZE) 77 3.7.6 Bi n t ng kinh t (GDP) 78 3.7.7 Bi n t l l m phát (CPI) 79 K t lu C 80 4: GI I PHÁP NH M NÂNG CAO HI U QU TÀI CHÍNH C A NHTMCP VI T NAM 4.1 K t qu c t nghiên c u 81 4.2 Các ki n ngh nh m nâng cao HQTC c a NHTMCP Vi t Nam 82 4.2.1 i v i Chính ph 82 4.2.2 iv 4.2.3 i v i NHTMCP Vi t Nam 84 c 83 4.2.3.1 c tài 84 4.2.3.2 Nâng cao ch ng tài s n 86 4.2.3.3 Ti t gi m chi phí ho 4.2.3.4 Qu n lý ch 4.2.3.5 K t lu ng kho n 90 c qu n tr 4.3 H n ch c ng 89 xu c giám sát c a ngân hàng 90 ng nghiên c u m i 91 92 K T LU N CHUNG 93 TÀI LI U THAM KH O PH L C DANH M C CÁC KÝ HI U VÀ CÁC CH WTO : T ch c Th BCTC VI T T T : Báo cáo tài BCTN HQTC ng m i Th Gi i ng niên : Hi u qu tài NHNN TCTD c : T ch c Tín d ng NHTM i NHTMCP i C ph n VAMC : Công ty TNHH MTV Qu n lý tài s n c a T ch c Tín d ng Vi t Nam CA : T l an toàn v n (Equity to assset ratio) LLR : Ch ME : Hi u qu qu n lý (Management Efficienct) LIQ : Qu n lý kho n (Liquidity Management) SIZE : Quy mô ngân hàng GDP :T CPI : T l l m phát FEM : Ph ng pháp h i quy OLS v i hi u ng c REM : Ph ng pháp h i quy OLS v i hi u ng tài s n (Loan loss reserves to gross loans) t ng tr model) ng kinh t nh (Fixed effect model) ng ng u nhiên (Random effect DANH M C CÁC B NG VÀ HÌNH B ng 1.1: Mơ t bi c s d ng mơ hình h i quy c a nghiên c u Tr nh Qu c Trung Nguy B ng 2.1: S 24 ng Ngân hàng t i Vi t Nam 29 B ng 2.2 : M t s ch tiêu kinh t B ng 2.3: Ch s ho B ng 2.4 : V y u 30 ng NHTMCP Vi t Nam t 2012 31 u l c a h th ng NHTMCP Vi t Nam t B ng 2.5: S h u c 2012 33 c t i NHTMCP Vi B ng 2.6: H s CAR c a m t s 33 n 2009 -2011 36 B ng 2.7: C u ph n tài s n c a Ngân hàng Khu v 37 B ng 2.8: T l chi phí ho c ng t ng thu nh p c a Vi t Nam so v khu v c 39 B ng 2.9: So sánh t l ROA ROE c a NHTMCP toàn ngành 41 B ng 2.10: T l thu nh p lãi c a Vi t Nam so v i qu c gia Châu Á Thái 43 Hình m i quan h gi a bi B ng 3.2: Mô t bi c l p bi n ph thu c 51 c s d ng mô hình h i quy 51 B ng 3.3: D li u th ng kê mô t 52 DANH M C CÁC BI Bi 2.1: ng tín d ng c a h th ng T ch c tín d ng 30 Bi 2.2: T l tín d ng n n kinh t so v i GDP Bi 2.3: T Bi 2.4: T l n x u c a h th ng ngân hàng 38 Bi 2.5: T l n x u c a m t s Bi 2.6: K t qu HQTC c a NHTMCP Vi t Nam t m ts c ASEAN (%) 32 ng t ng tài s n v n ch s h u 35 38 2012 41 R-squared Adjusted R-squared S.E of regression Sum squared resid Log likelihood F-statistic Ký hi u: , , 0.733421 0.677552 0.004225 0.002981 841.5132 13.12734 Mean dependent var S.D dependent var Akaike info criterion Schwarz criterion Hannan-Quinn criter Durbin-Watson stat ch h s h 0.011984 0.007441 -7.936091 -7.348527 -7.698386 1.926973 ng kê t i m c ý K t qu h i quy ROA v i hi u ng ng u nhiên: K t qu mơ hình h i quy ROA v i hi u ng ng u nhiên nhân t ngân hàng (ký hi u: ROA2(2)): Dependent Variable: ROA Total panel (balanced) observations: 203 Variable Coefficient Std Error t-Statistic Prob C 0,010223 3,763472 0,0002 0,038473 CA 0,006163 4,126923 0,0001 0,025436 LLR 0,066756 0,701849 0,4836 0,046853 ME 0,002744 -12,53856 0,0000 -0,034402 LIQ 0,000825 2,190955 0,0296 0,001808 SIZE 0,000488 -1,249809 0,2129 -0,000610 CPI 0,005934 1,657054 0,0991 0,009833 GDP 0,033142 -3,495009 0,0006 -0,115833 Effects Specification S.D Rho Cross-section random 0,002136 0,2035 Idiosyncratic random 0,004225 0,7965 Weighted Statistics R-squared 0,551203 Mean dependent var 0,007176 Adjusted R-squared 0,535092 S.D dependent var 0,006203 S.E of regression 0,004230 Sum squared resid 0,003489 F-statistic 34,21355 Durbin-Watson stat 1,609227 Prob(F-statistic) 0,000000 Unweighted Statistics R-squared 0,609659 Mean dependent var 0,011984 Sum squared resid 0,004365 Durbin-Watson stat 1,286048 Ký hi u: , , ch h s h ng kê t i m c ý PH L C 12: K T QU H I QUY BAO G M CÁC Y U T N IT I C A NGÂN HÀNG VÀ BI N V MÔ V I BI N PH THU C ROE K t qu h i quy ROE Dependent Variable: ROE Total panel (balanced) observations: 203 Variable Coefficient Std Error t-Statistic C 0,113695 0.009048 0,079579 CA -0,181453 0,052785 -3,437564 LLR -0,912876 0,551241 -1,656037 -0,249226 ME 0,022949 -10,85995 LIQ 0,486797 0,003396 0,006977 SIZE 0,014073 0,003720 3,783284 CPI 0,274856 0,015729 0,057225 GDP -0,277679 -0,082145 0,295828 R-squared 0,532702 Mean dependent var Adjusted R-squared 0,515928 S.D dependent var S.E of regression 0,041168 Akaike info criterion Sum squared resid 0,330487 Schwarz criterion Log likelihood 363,6255 Hannan-Quinn criter F-statistic 31,75613 Durbin-Watson stat Prob(F-statistic) 0,000000 Ký hi u: , , ch h s h ng kê t Prob 0,9096 0,0007 0,0993 0,0000 0,6269 0,0002 0,7837 0,7816 0,108852 0,059170 -3,503699 -3,373129 -3,450876 1,228134 i m 10%, 5% 1% K t qu h i quy ROE v i hi u ng c nh: K t qu mơ hình h i quy ROE v i hi u ng c nh nhân t ngân hàng (ký hi u: ROE2(1)): Dependent Variable: ROE Method: Total panel (balanced) observations: 203 Variable Coefficient Std Error t-Statistic C 0,113382 2,534525 0,287369 CA 0,056250 -4,673305 -0,262874 LLR 0,263133 0,627249 0,419503 ME 0,025906 -10,11407 -0,262014 LIQ 0,007913 0,007550 1,048060 SIZE -0,000798 0,005497 -0,145209 CPI 0,056320 0,049957 1,127366 GDP -0,514344 0,320272 -1,605959 Cross-section fixed (dummy variables) R-squared 0,713589 Mean dependent var Adjusted R-squared 0,653562 S.D dependent var Prob 0,0122 0,0000 0,6754 0,0000 0,2961 0,8847 0,2612 0,1102 0,108852 0,059170 S.E of regression Sum squared resid Log likelihood F-statistic Prob(F-statistic) Ký hi u: , , 0,034827 0,202559 413,3135 11,88793 0,000000 Akaike info criterion Schwarz criterion Hannan-Quinn criter Durbin-Watson stat ch h s h -3,717374 -3,129811 -3,479670 1,802339 ng kê t i m 10%, 5% 1% K t qu h i quy ROE v i hi u ng ng u nhiên: K t qu mơ hình h i quy ROE v i hi u ng ng u nhiên nhân t ngân hàng (ký hi u: ROE2(2)): Dependent Variable: ROE Total panel (balanced) observations: 203 Variable C CA LLR ME LIQ SIZE CPI GDP Coefficient Std Error t-Statistic 0,129398 0,089176 1,451034 0,052083 -4,438407 -0,231163 -0,207960 0,568207 -0,365994 0,023342 -10,92046 -0,254908 0,006501 0,006984 0,930881 0,004274 1,734511 0,007413 0,034012 0,049071 0,693113 -0,231865 0,280449 -0,826765 Effects Specification S.D Cross-section random 0,022213 Idiosyncratic random 0,034827 Weighted Statistics R-squared 0,484888 Mean dependent var Adjusted R-squared 0,466397 S.D dependent var S.E of regression 0,035095 Sum squared resid F-statistic 26,22261 Durbin-Watson stat Prob(F-statistic) 0,000000 Unweighted Statistics R-squared 0,521951 Mean dependent var Sum squared resid 0,338090 Durbin-Watson stat Ký hi u: , , , 5% 1% ch h s h Prob 0,1484 0,0000 0,7148 0,0000 0,3531 0,0844 0,4891 0,4094 Rho 0,2892 0,7108 0,055492 0,048044 0,240179 1,597417 0,108852 1,134801 ng kê t i m c ý PH L C 13: K T QU H I QUY BAO G M CÁC Y U T N IT I C A NGÂN HÀNG VÀ BI N V MÔ V I BI N PH THU C NIM K t qu h i quy NIM Dependent Variable: NIM Total panel (balanced) observations: 203 Variable C CA LLR ME LIQ SIZE CPI GDP R-squared Adjusted R-squared S.E of regression Sum squared resid Log likelihood F-statistic Prob(F-statistic) Ký hi u: , , Coefficient Std Error 0,018617 0,005475 0,012348 0,080109 0,128955 0,269817 0,005369 -0,015451 0,001632 0,007742 0,000870 0,001161 0,013387 0,011054 -0,224558 0,443500 0,423523 0,009631 0,018086 658,5247 22,20060 0,000000 0,069205 t-Statistic 0,294074 6,487412 2,092330 -2,878104 4,743550 1,333783 0,825754 Prob 0,7690 0,0000 0,0377 0,0044 0,0000 0,1838 0,4100 -3,244819 0,0014 Mean dependent var S.D dependent var Akaike info criterion Schwarz criterion Hannan-Quinn criter Durbin-Watson stat ch h s h 0,026414 0,012684 -6,409111 -6,278541 -6,356287 0,980232 ng kê t i m c ý , 5% 1% K t qu h i quy NIM v i hi u ng c nh: K t qu mơ hình h i quy NIM v i hi u ng c nh nhân t ngân hàng (ký hi u: NIM2(1)): Dependent Variable: NIM Total panel (balanced) observations: 203 Variable Coefficient Std Error C 0,028933 0,025345 CA 0,012574 0,048677 LLR 0,456841 0,140213 -0,013100 ME 0,005791 LIQ 0,005069 0,001688 SIZE -0,000142 0,001229 CPI 0,012398 0,011167 t-Statistic 1,141566 3,871232 3,258191 -2,262200 3,003383 -0,115900 1,110205 Prob 0,2553 0,0002 0,0014 0,0250 0,0031 0,9079 0,2685 GDP -0,185596 0,071593 -2,592391 0,0104 Effects Specification Cross-section fixed (dummy variables) R-squared 0,688567 Mean dependent var 0,026414 Adjusted R-squared 0,623297 S.D dependent var 0,012684 S.E of regression 0,007785 Akaike info criterion -6,713732 Sum squared resid 0,010122 Schwarz criterion -6,126169 Log likelihood 717,4438 Hannan-Quinn criter -6,476028 F-statistic 10,54947 Durbin-Watson stat 1,706109 Prob(F-statistic) Ký hi u: , , 0,000000 ch h s h ng kê t i m c ý K t qu h i quy NIM v i hi u ng ng u nhiên: K t qu mơ hình h i quy NIM v i hi u ng ng u nhiên nhân t ngân hàng (ký hi u: NIM2(2)): Dependent Variable: NIM Total panel (balanced) observations: 203 Variable Coefficient Std Error t-Statistic C 0,026052 0,020403 1,276897 CA 0,011752 5,026775 0,059072 LLR 0,128555 3,137690 0,403364 ME 0,005281 -2,758481 -0,014569 LIQ 0,001577 3,760453 0,005928 SIZE 5,76E-05 0,000979 0,058873 CPI 0,012705 0,010985 1,156597 GDP 0,063400 -3,310182 -0,209867 Effects Specification S.D Cross-section random 0,005465 Idiosyncratic random 0,007785 Weighted Statistics R-squared 0,334251 Mean dependent var Adjusted R-squared 0,310352 S.D dependent var S.E of regression 0,007882 Sum squared resid F-statistic 13,98615 Durbin-Watson stat Prob(F-statistic) 0,000000 Unweighted Statistics R-squared 0,425896 Mean dependent var Sum squared resid 0,018658 Durbin-Watson stat Ký hi u: , , ch h s h ng kê , 5% 1% Prob 0,2032 0,0000 0,0020 0,0064 0,0002 0,9531 0,2489 0,0011 Rho 0,3301 0,6699 0,012522 0,009491 0,012113 1,401307 0,026414 0,909756 t i m c ý PH L C 14: T NG H NG C A CÁC BI I V I BI N HI U QU TÀI CHÍNH CL P i v i bi n ROA: Nhân t ROA1(1) ROA1(2) ROA1(3) ROA2(2) Ong Tze San The Boon Heng (2012) T l an toàn v n + + + + + + Ch ng tài s n Hi u qu ho t ng Ch ng kho n Quy mô ngân hàng +? -? +? +? - - - - - - - - + + +? + + ? +? -? -? -? ? - ? ? + ? - 73,34% 59,1% 63,88% T ng T l l m phát R2 71,73% 61,55% 73,69% Vincent Okoth Ongore Gemechu Berhanu Kusa (2013) i v i bi n ROE: Ong Tze San ROE2 (2) The Boon Heng (2012) Vincent Okoth Ongore Gemechu Berhanu Kusa (2013) Nhân t ROE1(1) ROE1 (2) ROE1 (3) T l an toàn v n - - - - ? - Ch ng tài s n Hi u qu ho t ng Ch t ng kho n Quy mô ngân hàng T ng T l l m phát +? -? +? +? - - - - - - - - +? +? +? +? ? ? +? + +? -? + -? ? ? +? ? - 71,36% 46,9% 56,71% R2 70,81% 55,18% 71,28% i v i bi n NIM: Nhân t NIM1(1) NIM1 (2) NIM1 (3) NIM2 (2) Ong Tze San The Boon Heng (2012) T l an toàn v n + + + + ? + Ch ng tài s n Hi u qu ho t ng Ch ng kho n Quy mô ngân hàng T ng T l l m phát + +? + + + - -? - - - - - + + + + + ? + +? -? -? ? - ? - +? ? - 68.86% 55,6% 89,03% R2 Ghi chú: D uc tài chính; D uh 67,54% hi 48,18% hi 72,64% Vincent Okoth Ongore Gemechu Berhanu Kusa (2013) ng bi n hay ngh ch bi n lên hi u qu t lu n c a bi n t k t qu nghiên c u STT Tên ngân hàng Ngân hàng TMCP Nam Á Mã ngày 31/12/2013 Namabank NVB 16,008,223 Mdbank MDB 8,596,959 Kienlongbank KLB 18,581,000 PG Bank PGB 19,250,898 Westernbank WEB 15,151,781 Navibank NVB 21,584,048 Saigonbank SGB 14,852,519 Vietabank VAB 24,608,649 OCB OCB 27,424,138 MHB MHB 37,979,948 11 Oceanbank OJB 64,462,099 12 Southernbank PNB 75,269,552 ABBank ABB 46,166,309 14 VIBank VIB 102,596,275 15 HDBank HDB 52,782,831 16 Dongabank EAB 69,278,223 17 Seabank SEAB 75,066,716 VPbank VPB 102,576,275 Maritimebank MSB 109,923,376 Techcombank TCB 179,933,598 SHB SHB 116,537,614 10 13 18 Ngân hàng TMCP Kiên Long Ngân hàng TMCP Sài Gịn Cơng Ngân hàng Phát Nhà Ngân hàng TMCP An Bình Ngân hàng TMCP 19 20 Ngân hàng TMCP Nam 21 Nam 22 Ngân hàng TMCP Á Châu ACB ACB 176,307,607 23 Ngân hàng TMCP Sài Gòn SCB SCB 149,205,560 MBBank MBB 175,609,964 24 STT Tên ngân hàng 25 26 27 28 29 Mã ngày 31/12/2013 Sacombank Ngân hàng TMCP Ngân hàng TMCP Công Nam Ngân hàng TMCP Phát Ngân hàng TMCP Nam STB 151,281,538 Eximbank EIB 170,156,010 Vietinbank CTG 503,530,259 BIDV BIDV 484,695,977 VCB VCB 414,475,073 STT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 Ngân hàng 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2007 2007 2007 2007 Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB Nam A MDB Kien Long PG Bank ROA 0.00999191 0.02311037 0.02196121 0.01061488 0.02884441 0.01848574 0.0190981 0.01272474 0.01609473 0.00395489 0.00938 0.01585486 0.01867338 0.00883968 0.01690483 0.01328484 0.00966157 0.01121725 0.00927888 0.01482747 0.00533499 0.01132304 0.01005252 0.01608882 0.01897504 0.01410281 0.0044506 0.00621321 0.01723262 0.0143326 0.03215872 0.02447186 0.00874103 ROE 0.0647957 0.12572019 0.05705051 0.05909074 0.06582079 0.03996085 0.12793351 0.07028205 0.12451193 0.07975226 0.05231062 0.08911368 0.04885178 0.12277182 0.09646804 0.10446235 0.09336678 0.13573172 0.09944972 0.14582954 0.01379438 0.30567108 0.13840033 0.1585836 0.16378827 0.13277515 0.10692446 0.13265336 0.25682317 0.11269077 0.09140779 0.08436309 0.07530402 NIM 0.02450701 0.05529239 0.04970443 0.02327148 0.04570702 0.02616498 0.0398365 0.01968986 0.0304904 0.02288541 0.01308786 0.02873391 0.02427889 0.0235422 0.03148031 0.02255792 0.01726861 0.02286965 0.02453315 0.02640181 0.02042392 0.01837779 0.02332552 0.02910144 0.02746049 0.01918158 0.02617498 0.02078388 0.02326595 0.02887515 0.05738797 0.04883059 0.01560479 CA 0.154206444 0.183823858 0.384943335 0.179636993 0.438226394 0.462596223 0.149281414 0.18105248 0.129262533 0.049589638 0.179313472 0.177917298 0.382245661 0.072000856 0.175237585 0.127173496 0.103479691 0.08264278 0.093302243 0.101676735 0.386750508 0.037043221 0.072633644 0.10145321 0.115851022 0.106215754 0.041623746 0.046837946 0.06709917 0.127185239 0.351815947 0.290077852 0.116076565 LLR 0.00319603 0.00377001 0.00930041 0.00133203 0.00409049 0.00217076 0.00847475 0.00632283 0.00472306 0.01353131 0.00037095 0.00461609 0.01275941 0.00863824 0.00690001 0.00171492 0.00269101 0.0020365 0.01268676 0.00318356 0.00297576 0.00330349 0.00462956 0.02717357 0.00565626 0.00415552 0.00012856 0.01456891 0.02200199 0.00298774 0.00479752 0.00542781 0.00202705 ME 0.45217101 0.3773462 0.37496837 0.27120374 0.24548163 0.44668785 0.30717054 0.39974375 0.38335861 0.64851291 0.71641242 0.35601145 0.21893624 0.40825822 0.32282553 0.45437141 0.26615674 0.45034492 0.35579879 0.36669126 0.53432331 0.38851324 0.39811169 0.31028185 0.38425028 0.31301186 0.4683998 0.34473914 0.22977928 0.40771929 0.17563621 0.2945595 0.28056198 LIQ 1.0806397 2.32778381 1.34635285 2.03455889 1.70887122 0.6442821 1.22911493 1.07938188 1.85770289 2.02031717 2.72022052 0.87423445 0.72908709 0.93107954 1.69800212 0.85970382 0.95767443 0.88878073 0.76298254 0.91196266 1.33962679 0.57882602 2.35888191 0.5817208 0.82198825 0.77674881 0.87592569 0.92622212 0.56556318 0.96318325 3.84714114 1.41953025 1.4616932 SIZE 15.17249994 13.01153907 13.62561922 13.98631522 13.13482145 13.9346651 15.6465401 15.24602083 15.67823163 16.74586647 13.8168956 16.02552127 14.95138588 16.62048315 15.20562337 16.30377315 16.13793916 16.12915586 15.95807771 16.6677392 14.09467748 17.61436921 16.20716705 16.42641228 17.02539335 16.72391208 18.7240579 18.89829957 18.93321702 15.4719061 14.26986487 14.60435602 15.35907679 GDP 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0823 0.0846 0.0846 0.0846 0.0846 CPI 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.066 0.126 0.126 0.126 0.126 STT 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 Ngân hàng 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB ROA 0.02348453 0.00754655 0.01674314 0.01549067 0.01434204 0.00509666 0.00711729 0.01111375 0.00941818 0.00778073 0.00875157 0.01211555 0.01138848 0.01253325 0.00983811 0.01290217 0.01025976 0.02029481 0.00997377 0.01662891 0.02164836 0.01374699 0.00691964 0.00748818 0.01219333 0.00164844 0.03344452 0.01267498 0.01059733 0.0373328 0.00524003 0.01439017 0.0070245 0.00644229 0.00050513 ROE 0.12993354 0.1290678 0.11911283 0.11049547 0.10185961 0.13123774 0.0873564 0.0878875 0.06524234 0.14012251 0.16330964 0.10289333 0.08877161 0.10423581 0.09175371 0.14277207 0.05824756 0.2769335 0.09834269 0.13876805 0.19019889 0.07361735 0.10796401 0.12786944 0.17762261 0.00753268 0.12697115 0.03556997 0.06387973 0.09019695 0.05310001 0.1097093 0.05011278 0.04087329 0.01618084 NIM 0.01074827 0.00765146 0.03547291 0.01835567 0.03096277 0.02157009 0.01097692 0.01646846 0.01888674 0.01796671 0.01523604 0.01864671 0.01787331 0.02569278 0.02015189 0.02339948 0.00723359 0.01535402 0.01710298 0.02137881 0.01783833 0.02030912 0.02819401 0.02374662 0.02076853 0.01711958 0.06563143 0.04288439 0.02240015 0.06138076 0.01947479 0.02778742 0.01933875 0.02578986 0.01248156 CA 0.180742667 0.058469623 0.140565416 0.14019282 0.140802069 0.038835333 0.081474139 0.126454282 0.144356941 0.055528077 0.053588802 0.117748642 0.128289612 0.120239397 0.107223031 0.090369005 0.176140656 0.073284059 0.101418481 0.119832436 0.113819603 0.1867358 0.064092099 0.058561125 0.068647388 0.218838153 0.263402534 0.35633943 0.16589505 0.413903094 0.098682308 0.131166346 0.140173762 0.157616144 0.031217838 LLR 0.00152765 0.00139683 0.00854818 0.00365206 0.00557491 0.01208883 0.00151121 0.00781071 0.00843509 0.00791143 0.00396449 0.00358198 0.00419116 0.00177611 0.00528182 0.00287731 0.00193211 0.00422928 0.00409825 0.01238597 0.00501928 0.0039855 0.01671784 0.02200429 0.02155396 0.00527836 0.00739128 0.00528429 0.00749467 0.00424176 0.00400799 0.00908572 0.00893937 0.00812167 0.01019136 ME 0.27547721 0.49252777 0.29714988 0.31157533 0.37996202 0.64580278 0.25113804 0.39012017 0.34698312 0.39171353 0.32185221 0.40706157 0.18814952 0.4851066 0.31703632 0.34987514 0.28049905 0.26877015 0.39878455 0.34011049 0.30358378 0.34785393 0.41602649 0.30531946 0.28242738 0.81884008 0.24160931 0.59734416 0.48651382 0.23732779 0.66553277 0.40740828 0.54661376 0.6396218 0.94828406 LIQ 1.09776016 0.71064333 1.13869677 1.25942744 1.30938552 1.40091788 1.94803898 0.61530727 1.01208009 0.94671093 2.51769219 1.23904188 1.02763441 1.04283393 0.88589766 0.83938399 1.49151458 0.57541735 1.21959574 0.65294807 0.79983251 0.8055554 0.90680707 0.97523087 0.68883762 1.09859434 1.03201518 1.32896092 1.07559802 1.58782111 0.90911414 1.10491165 0.89056708 1.26504583 1.36761126 SIZE 14.0742359 16.10835577 16.13639185 16.06336224 16.27979086 17.13084325 16.43145066 16.65631794 16.65891398 17.48686319 16.44181202 17.12695364 17.08283698 16.71348848 16.68164791 17.4928865 16.33057777 18.26275924 17.07135664 17.20408129 17.98330499 17.33331767 18.92817866 19.13613305 19.10078339 15.58894209 14.50258383 14.89358607 15.63750805 14.79446844 16.20475745 16.2319027 16.14531152 16.12752129 17.37921866 GDP 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0846 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 CPI 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.126 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 STT 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 Ngân hàng 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank ROA 0.00321495 0.00563856 0.00368279 0.00764607 0.00627166 0.01551966 0.00776712 0.00764607 0.00970543 0.01975453 0.01354327 0.02099291 0.0120191 0.01569935 0.01395051 0.01473671 0.00932104 0.00810201 0.00620573 0.00514339 0.03950603 0.01224919 0.01698477 0.01158619 0.00761987 0.01769177 0.01327677 0.016253 0.00141242 0.00672853 0.00699512 0.01175224 0.01065842 0.01015322 0.01382038 ROE 0.04201869 0.04913054 0.01256373 0.06060576 0.03583901 0.15327 0.04292906 0.06060576 0.16902658 0.20892489 0.08592835 0.28464445 0.16513436 0.14886822 0.123057 0.05535734 0.14627438 0.14812393 0.08074648 0.04208864 0.09596814 0.08203357 0.16182755 0.10510826 0.12213571 0.10859594 0.12245685 0.08845915 0.0486187 0.10092569 0.08452516 0.06941785 0.11521457 0.10812203 0.13989877 NIM 0.00460105 0.01048281 0.02007088 0.03493795 0.01194769 0.02432309 0.02898974 0.03493795 0.02226172 0.0293701 0.01118118 0.02590787 0.02637176 0.03203691 0.0167547 0.02735278 0.03713734 0.02529659 0.01531134 0.01854681 0.06828268 0.03279997 0.02827871 0.01588416 0.01535338 0.04311811 0.02211912 0.03733636 0.01618399 0.0131359 0.01150485 0.0260012 0.02807286 0.01227107 0.02603061 CA 0.076512475 0.11476686 0.293128602 0.126160697 0.174995347 0.101257009 0.180929186 0.126160697 0.05741957 0.09455324 0.157611233 0.073751338 0.07278379 0.105458031 0.113366251 0.266210509 0.063723004 0.054697512 0.076854541 0.122203836 0.411657818 0.149319291 0.104955977 0.110230996 0.06238855 0.162913763 0.108419986 0.1837345 0.02905106 0.066668129 0.082757893 0.169297148 0.092509329 0.093905207 0.098788412 LLR 0.00193441 0.00636123 0.01242227 0.00629797 0.00648735 0.01043839 0.01040318 0.00629797 0.00763781 0.01230049 0.0040848 0.00656346 0.00762699 0.01568681 0.00719109 0.01772266 0.01780836 0.0255461 0.02571788 0.00512496 0.00910269 0.00594968 0.0075117 0.00348528 0.00957909 0.01253564 0.01014076 0.01048451 0.01068173 0.00493194 0.00996943 0.01105802 0.0082494 0.00773501 0.01003428 ME 0.58022804 0.61912805 0.73152274 0.64845851 0.61563971 0.38247657 0.42333248 0.64845851 0.36317452 0.29011383 0.39878858 0.37525935 0.38024022 0.33907785 0.51750457 0.31852856 0.57022553 0.411934 0.28283845 0.58810956 0.26037325 0.46374916 0.3657076 0.34257493 0.42562518 0.3797028 0.38740133 0.42108133 0.77881679 0.36691249 0.38793571 0.41944418 0.51899459 0.4069052 0.43819748 LIQ 0.92619679 1.0547362 0.97980654 0.91256746 1.42392682 1.11127007 0.88341026 0.91256746 0.79436768 0.65971875 0.65761523 0.54242222 1.01345991 0.57948293 0.75893706 0.68762173 0.99274553 0.98522355 0.86416508 1.11385296 3.51871107 1.01668643 0.90878594 0.54131874 1.03425642 1.14626906 1.11397088 1.26889058 1.35076587 0.43585189 1.34408168 0.85875868 0.95898765 0.87014184 1.22814431 SIZE 16.4610707 16.84861164 16.41776496 16.74122962 16.07288037 17.36263035 16.91867138 16.74122962 17.30062173 17.89964302 16.48144 18.47238219 17.46866058 17.60753546 18.0414471 17.69186122 19.08125492 19.32295238 19.06857919 16.20776358 14.741283 15.82753624 16.15909469 16.14902991 16.74349661 16.29002296 16.57657842 16.35602637 17.50682981 17.33552626 17.38428624 17.09333747 17.1312592 16.76663383 17.56549457 GDP 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0631 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 CPI 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.1989 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 STT 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 Ngân hàng 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB ROA 0.01502762 0.01065842 0.01209864 0.01749381 0.01270125 0.01311169 0.00577573 0.01700849 0.01606011 0.01730315 0.00526809 0.00950471 0.0154396 0.01258069 0.00940638 0.0154697 0.01335979 0.00547252 0.00783923 0.04728907 0.01106436 0.01546426 0.00158128 0.00943836 0.00695573 0.01256241 0.00841582 0.00783411 0.01180046 0.01138939 0.00841582 0.01003257 0.01379159 0.00968648 0.01138352 ROE 0.08388307 0.11521457 0.21750287 0.22381769 0.14418426 0.21780541 0.06866201 0.15659072 0.15501293 0.0848076 0.10051276 0.15972835 0.23606669 0.10294843 0.04249346 0.06057312 0.10067626 0.0244962 0.07758986 0.22548352 0.07847585 0.0969751 0.02519967 0.12732495 0.11725068 0.10302657 0.09670529 0.11427072 0.12164088 0.10954668 0.09670529 0.18286855 0.22076041 0.11816967 0.20522492 NIM 0.02358029 0.02807286 0.02001265 0.02648872 0.02350859 0.01668162 0.01528134 0.02663547 0.02213953 0.03018117 0.01825685 0.02352779 0.0254355 0.0239087 0.01652258 0.03949371 0.0315539 0.02129265 0.02449318 0.03404365 0.02208491 0.03192438 0.0182851 0.02251271 0.00517268 0.0311336 0.01800854 0.01519107 0.02459195 0.02035279 0.01800854 0.01664616 0.02118786 0.02383102 0.02030088 CA 0.179149619 0.092509329 0.055625208 0.078160994 0.088090427 0.060199094 0.084118332 0.108617504 0.103604977 0.204028333 0.052412175 0.059505468 0.065403531 0.122203836 0.221360594 0.255388831 0.132700505 0.223402773 0.101034173 0.209722946 0.140990609 0.159466321 0.062750094 0.07412815 0.059323588 0.121933697 0.087025415 0.068557458 0.097010629 0.10396841 0.087025415 0.05486218 0.062473119 0.081970987 0.05546852 LLR 0.01672997 0.0082494 0.00725213 0.01217304 0.00990619 0.0080502 0.01090286 0.01511366 0.00864135 0.00986844 0.02617454 0.0326584 0.00512496 0.00923684 0.00880781 0.00966978 0.00753295 0.01185328 0.01395978 0.01495929 0.00903049 0.01204676 0.01036875 0.00903701 0.0106341 0.00905084 0.0072336 0.0116522 0.01575757 0.00905084 0.00967655 0.01154392 0.01118151 0.00821946 ME 0.28091087 0.51899459 0.30392411 0.31272874 0.38172856 0.36665377 0.42684379 0.29547984 0.40007524 0.3520331 0.582787 0.44674312 0.37622383 0.42836442 0.2562569 0.38349292 0.42531092 0.58863544 0.52270353 0.22710087 0.4198529 0.40062976 0.77166848 0.30478699 0.38188301 0.44712108 0.41592837 0.4755235 0.48307408 0.31051884 0.41592837 0.35821102 0.33645729 0.45727513 0.39346934 LIQ 0.77968729 0.95898765 0.79430965 0.67381924 0.88553939 0.7174247 1.03975564 0.74009731 0.98580103 0.9900788 1.08812437 1.10210099 0.83764013 1.11385296 0.41109011 1.06232865 1.01697807 0.71023822 1.00422085 1.15309903 1.4147041 1.3335106 1.05729017 0.41643521 1.09386266 0.84719055 1.05649187 0.83855387 1.21973793 0.8274404 1.05649187 0.65456899 0.65707464 0.95092169 0.81539058 SIZE 17.23641236 17.1312592 17.97254888 18.34309135 17.12749403 18.93876623 17.81357316 18.04973717 18.46008552 17.99677193 19.3117981 19.5073287 19.35871685 16.20776358 16.66429585 16.35141002 16.61146937 16.04928187 16.8120618 16.63760371 16.99701327 16.79560398 17.75146458 17.8253661 17.91376545 17.45308495 17.90663365 17.3532539 17.83859332 17.82722627 17.90663365 18.56336089 18.8280854 17.74798032 19.13902261 GDP 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0532 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 CPI 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.0652 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 STT 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 Ngân hàng 2010 2010 2010 2010 2010 2010 2010 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV ROA 0.00462073 0.01591971 0.01253611 0.01384049 0.00928538 0.01026767 0.01377511 0.01263398 0.03718203 0.02210838 0.02538124 0.00591907 0.00738796 0.01978169 0.01101865 0.01190697 0.00177631 0.0104907 0.00322325 0.00824963 0.00965597 0.00947232 0.01463056 0.00124716 0.00965597 0.00702307 0.01746937 0.00961243 0.01141502 0.00072161 0.01379611 0.01450856 0.01655452 0.0135949 0.00788556 ROE 0.05903428 0.17915509 0.12999954 0.13431085 0.18790747 0.15527485 0.20492979 0.0728786 0.09808739 0.11417873 0.17223432 0.03845881 0.0516791 0.09196814 0.06936723 0.08068906 0.02635282 0.14149934 0.05615601 0.0728824 0.1333648 0.12021963 0.16291611 0.02277137 0.1333648 0.08455516 0.25206464 0.11702923 0.26823449 0.0130124 0.1859946 0.14293947 0.18640456 0.21810103 0.13118279 NIM 0.00766063 0.03210182 0.02553074 0.02198853 0.03287626 0.02509472 0.02662932 0.02017151 0.07830541 0.04914864 0.06235673 0.0197197 0.03289965 0.05479601 0.02203944 0.03533658 0.02190557 0.02545612 0.00240877 0.04395224 0.02469403 0.02906873 0.03810826 0.00840706 0.02469403 0.01361728 0.02934881 0.02672977 0.02351282 0.01422111 0.03761681 0.03921626 0.02889204 0.04354296 0.0311492 CA 0.078272032 0.08885996 0.096431987 0.103048197 0.049414633 0.066125747 0.067218673 0.173356475 0.379070465 0.193629609 0.147364581 0.153906703 0.14295845 0.215092891 0.15884522 0.1475661 0.067404864 0.074139538 0.057398115 0.113190959 0.072402707 0.078791755 0.089804249 0.054768941 0.072402724 0.08305907 0.069305126 0.082137 0.04255612 0.05545584 0.074174806 0.101501392 0.088809629 0.062333059 0.060111219 LLR 0.02316635 0.01513091 0.00994854 0.01007442 0.01182684 0.02082324 0.03217554 0.00843515 0.01168533 0.01127982 0.01517532 0.00481575 0.01232233 0.02121676 0.01636729 0.01259129 0.01238989 0.01206005 0.01363498 0.01596018 0.01076538 0.01015939 0.01504495 0.01670272 0.01076538 0.00965501 0.01401164 0.01213071 0.00959483 0.02973904 0.01850357 0.00993736 0.00828803 0.01034815 0.01992766 ME 0.38792375 0.3067076 0.43072191 0.27981916 0.48565637 0.48273956 0.39431605 0.40924617 0.34700523 0.38720101 0.3875759 0.60770276 0.57500583 0.34624219 0.50536671 0.47174273 0.83420213 0.42507698 0.566609 0.46219737 0.51776232 0.47694726 0.45506665 0.72372247 0.51776232 0.52058672 0.31509199 0.50523665 0.4116199 0.51135799 0.36538039 0.5213852 0.3062213 0.40573145 0.43157342 LIQ 0.94465211 0.74225684 1.05296949 1.07214103 1.13736539 1.03878592 0.8635349 0.96885676 2.54038882 1.03272012 1.10863511 0.69426573 0.87130181 1.25237869 1.59771381 1.4138506 1.12693636 0.49720444 1.05771506 0.97858941 0.99223137 0.72540008 1.22013815 0.57174563 0.99223137 0.60603946 0.7157705 0.84120553 0.72289788 1.67180716 0.65936027 1.04878348 1.39160592 1.14116411 1.222153 SIZE 17.91289842 18.51255957 18.84193348 18.69155395 19.7228111 19.71887523 19.54397293 16.76193646 16.1419277 16.69746936 16.68239082 16.83955591 16.92885016 16.54761024 16.92960783 17.05119496 17.67163528 17.95290371 18.06387536 17.54422962 18.23215559 17.62273782 17.98586193 18.43154738 18.23215535 18.55499306 19.01141397 18.07804313 19.45393398 18.20890348 18.74877147 18.75813089 19.02809046 19.94764984 19.82126121 GDP 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0678 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 0.0589 CPI 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1175 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 0.1813 STT 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 Ngân hàng 2011 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 VCB Nam A MDB Kien Long PG Bank Westernbank Navibank Saigon bank Viet a OCB MHB Oceanbank Southern bank ABBank VIB HD Bank Dongabank Seabank VPbank Maritimebank Techcombank SHB ACB SCB MBBank Sacombank Eximbank Vietinbank BIDV VCB ROA 0.01150021 0.01128458 0.01339369 0.04642005 0.02066002 0.00281234 0.00011115 0.0208057 0.0066677 0.00838298 0.00823582 0.00377298 0.00160026 0.0080729 0.00627112 0.0061844 0.00833182 0.00070263 0.00627235 0.00250086 0.00425538 0.01447832 0.00149032 0.00042783 0.01321129 0.00652692 0.01256879 0.01225285 0.00602294 0.01068148 ROE 0.14652881 0.05512789 0.02888047 0.25038144 0.12452098 0.01327832 0.00075342 0.08730611 0.04644226 0.06018886 0.09093129 0.05423058 0.02778078 0.07664958 0.09694024 0.06052008 0.09456028 0.00944876 0.09694024 0.03024225 0.05761553 0.17749423 0.02081318 0.0056143 0.17147532 0.07361056 0.13525343 0.18348744 0.10767674 0.10615534 NIM 0.03387217 0.02798699 0.08220384 0.06081013 0.03454951 0.0233333 0.03390017 0.03880897 0.01287763 0.04321332 0.03928986 0.02513668 -0.0037938 0.03614495 0.02892075 0.0161051 0.03600547 0.01542737 0.02892639 0.01828479 0.02843034 0.01609376 0.03897125 0.02141978 0.03759786 0.04127584 0.02880568 0.03658176 0.019255 0.02642883 CA 0.078484269 0.20469811 0.463762942 0.185397341 0.165916 0.211799656 0.147522791 0.238307455 0.143569604 0.139277924 0.090571899 0.069572866 0.057603213 0.105322173 0.064690624 0.102187528 0.088111253 0.074361972 0.064703237 0.082694249 0.073858224 0.081570659 0.071604693 0.07620403 0.077044877 0.088668215 0.09292769 0.066777578 0.05593535 0.100621197 LLR 0.02544272 0.01016656 0.01836612 0.01465114 0.02308598 0.01950376 0.01695948 0.01007796 0.01525504 0.01806442 0.01802675 0.02572711 0.02083224 0.0220523 0.01030211 0.00924275 0.01764841 0.02781644 0.01030211 0.02593324 0.01648273 0.02196061 0.01460958 0.01122259 0.01762576 0.01499407 0.00809288 0.01101901 0.01721487 0.02194659 ME 0.38329 0.49455585 0.61650266 0.2390258 0.36897961 0.69443015 0.87628138 0.41169623 0.59301892 0.47872601 0.7946138 0.47157178 0.54298413 0.62311347 0.60023067 0.52319912 0.4938045 0.81243489 0.60023067 0.70827108 0.57174534 0.57119174 0.73193832 0.71081782 0.34513392 0.60709467 0.42636824 0.42964558 0.36089182 0.39816244 LIQ 0.92247615 0.78469938 2.47621256 0.91000013 1.11797781 0.47761053 1.04993039 1.03915551 0.85946461 1.12883126 1.06727963 0.60684895 0.76886415 0.64809591 0.62007624 0.61724101 0.99723988 0.53087902 0.62007624 0.48574127 0.61241738 0.73377332 0.82098456 1.11316642 0.63252822 0.87854167 1.06335632 1.15306113 1.11975586 0.84792659 SIZE 19.72011539 16.58861309 15.96691909 16.73765011 16.77306827 16.53362864 16.88746508 16.51368004 17.01860852 17.12693413 17.45256889 17.981588 18.13658626 17.64776085 18.44631218 17.78169653 18.05364117 18.13388782 18.44611723 18.5152941 19.00809844 18.57372465 18.98774079 18.82083551 18.98377598 18.83465315 18.95222628 20.03715437 19.9990324 19.84252339 GDP 0.0589 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 0.0503 CPI 0.1813 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 0.0681 ... ph bi n nh t Các ch tiêu i phân tích gi i thích thơng tin k tốn M t khác, cung c s c ngân hàng d li u tài i phân tích m t s hi u bi t sâu tình hình tài c a NHTMCP giúp cho vi ngân hàng ng l i... Ngân hàng TMCP Vi Nh th c ký th a thu n h p nh t theo nguyên t c t nguy n l y tên chung ngân hàng TMCP Sài Gòn (SCB); Ngân hàng TMCP Nhà Hà N i sáp nh p vào Ngân hàng TMCP Sài Gòn Hà N i; Ngân hàng. .. ng hi u qu tài c a NHTMCP 1.1.2.3 H th ng ch tiêu phân tích hi u qu tài c a NHTMCP 1.1.3 Các nhân t n hi u qu tài c a NHTMCP 12 1.1.3.1 Nh ng nhân t thu 1.1.3.2 Nh ng nhân t thu