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Nam Dinh, 25 thang 12 nam 2011 Tran Due Toan MUC LUC • • LOI CAM DOAN LOI CAM ON DANH MUC CAC CHU VIET TAT DANH MUC BANG BIEU, HINH VE TOM TAT LUAN VAN LO’I MCI DAU CHITONG 1: SU CAN THIET PHAI TANG ClTONG QUAN LY NHA NUOC DOI VOI HO AT KINH DOANH CUA NHTM NHAM MUC • DONG • • TIEU KIEM CHE LAM PHAT, ON DINH KINH TE VI MO 1.1 Vai trd NHTM viec tham gia kiem che lam phat, on dinh kinh te vi mo 1.1.1 Khai niem chung ve NHTM 1.1.2 Vai trd cua NHTM viec tham gia kiem che lam phat, on dinh kinh te vi mo 1.2 Quan Iy cua Nha nude doi vol hoat dong kinh doanh cua NHTM kiem che lam phat, on dinh kinh te 15 1.2.1 Khai niem chung ve quan ly cua Nha nude doi vdi hoat dong kinh doanh cua NHTM 15 1.2.2 Cac cong cu quan ly cua Nha nude doi vdi cac NHTM 16 1.3 Str can thiet phai co quan ly cua Nha niroc doi voi hoat dong kinh doanh cua NHTM viec kiem che lam phat, on dinh kinh te 25 CHUONG 2: THUC TRANG QUAN LY NHA NUCIC DOI VOI CAC HOAT DONG KINH DOANH CUA NHTM 28 2.1 Tong quan ve he thong cac NHTM cua Viet Nam hien 28 2.1.1 Vai net ve he thong cac NHTM cua Viet Nam hien nay: 28 2.1.2 Tinh hinh hoat dong kinh doanh cua cac NHTM tai Viet Nam 29 2.2 Danh gia thyc trang va tac dong cua quan ly Nha nuoc voi cac hoat dong cua cac NHTM o Viet Nam hien nhiem vu chong lam phat, on dinh kinh te 32 2.2.1 Danh gia thuc trang hoat dong kinh doanh cua NHTM o Viet nam hien 32 2.2.2 Thuc trang quan ly Nha nuoc voi hoat dong cua cac NHTM nham kiem che lam phat, on dinh kinh te vi mo 50 CHI JONG 3: TANG CUONG QUAN LY NHA NUOC VOI HOAT DONG KINH DOANH CUA CAC NHTM TRONG VIEC KIEM CHE LAM PHAT, ON DINH KINH TE VI MO 68 3.1 Phuong huong tang cuong vai tro cua Nha nuOc voi hoat dong kinh doanh cua cac NHTM muc tieu kiem che lam phat, on dinh kinh te vi mo 68 3.2 Cac giai phap nham tang cuong quan ly Nha nuoc doi voi hoat dong kinh doanh cua cac NHTM voi cac muc tieu dat 69 3.2.1 Nhom giai phap ve luat va chinh sach 70 3.2.2 Nhom giai phap ve viec giam sat kiem tra, co che thuong phat 77 3.2.3 Nhom giai phap su dung cac cong cu dieu tiet kinh te 79 KET LUAN 86 PHAN PHU LUC 89 DANH MUC • CAC CHU' VIET TAT r ADB : Asian Development Bank - Ngan hang Phat trien Chau A BBS : Bat dong san CIC : He thong thong tin tin dung CP : Chinh phu DN : Doanh nghiep DNNN : Doanh nghiep Nha nude GDP : Gross domestic product - Tong san pham Quoe noi HTX : Hop tae xa ISO : International Organization for Standardization To ehue tieu ehuan hoa quoe te rr-5 /V r • /S /sir KBT : Khu thi KTQD : Kinh te Quoe dan NH : Ngan hang NHNN : Ngan hang Nha nude NHTM : Ngan hang Thuong mai NHTW : Ngan hang Trung uong TCCD : TO ehue tin dung r r /\./\ DANH MUC BANG BIEU, HINH VE BANG Bang 2.1: Doanh so cho vay cua cac NH chia theo mot so tieu thuc 32 Bang 2.2: Nguon von va du no thoi diem 31/12/2010, so lieu cua so NHTM 34 Bang 3.1: Mau bao cao cho vay ngoai te (thang /2011) 73 Bang 3.3: Ty le du tru bat buoc doi voi tien gui bang VND ap dung theo QD 379/QD-NHNN 24/2/2009 (ap dung tu ky du tru thang 3/2009), ty le du tru bat buoc doi voi tien gui bang USD ap dung theo QD 1925/QD-NHNN 26/8/2011 (ap dung tu ky du tru thang 9/2011) 82 HINH VE Hinh 1.1: Tuong quan giua Doanh so cho vay cua cac Ngan hang va GDP Viet Nam [] 11 Hinh 1.2: Mo i quan lie giua tang truong tin dung va lam phat 13 Hinh 2.3: Mo Trinh dich chuynn cau AD ty gia ho i doai tang mm thay doi muc gia pq den P] .455 Hinh 2.4: Gaa v;ing the gidi 10 nam me lai 57 Hinh 3.1: Bien dona, 'FL DTBB tien gu i VND ngian han tu 2007 dnn 81 TRUONG DA I HOC KINH TE QUOC DAN ■ ■ - BoBjOcaoa - »•> * TRAN DUC TOAN TANG CUUNG QUAN LY NHA NlfflC DOI VOI HOAT DONG KINH DOANH CUA NHTM ■ ■ nhAm kiem che lam phat, on dinh kinh te VI MO ■ ■* ■ CHUYEN NGANH: KINH TE PHAT TRIEN TOM TAT LUAN VAN THAC SY • • HA NOI, AJMI 2011 If 85 phu cung co the den NHNN de vay von can, va khong phai co the the chap het duoc cac trai phieu de vay von Ly la NHNN can phai kiem \ r soat luong tien bom vao nen kinh te qua dang nghiep vu a • r r z z z Lai suat huy dong hien la yeu to anh hudng lon nhat tdi lai suat cho bdi nguon von huy dong thuong chiem ty le cao nhat tu 45-85% cac nguon cd the huy dong cua NH, phan von lai tu vay NHNN, vay cac TCTD khac, phat hanh giay to co gia v.v (Nam 2009 Tai BIDV la ~ 65%, tai Agribank la ~85%, NH Bao Viet la 48% - ngudn bao cao thuong nien cua cac NH) Vdi lai suat huy dong chung la 14%/nam chua ke cac khuyen mai r r hoa dong nhu hien thi cac NHTM khong the giam lai suat xuong qua r r 17% Neu muon giam lai suat huy dong xuong thi Chinh phu phai thuc hien A z z A duoc cac yeu cau sau: + Su dung cac bien phap che tai de khong che cac trudng hop vuot rao lai suat + Cd duoc su dong thuan cua cac to chuc tin dung, sir hop tac cua cac to churc kinh te viec lai suat huy dong von, su dong thuan co dupe qua su nghiem m;nh cua luat phap, cac quy dinh phu hop vdi loi ich cua NH + Kiem soat dupe thi truong vang, thi trudng ngoai hoi, thi trudng BDS va thi trudng chung khoan, tranh tinh trang dau co true loi, day gia la nguyen a r nhan xau xa lam ngudn von huy dong bi hut vao • Cong cu han muc tin dung: Vdi muc tieu kiem che lam phat hien nay, Cong cu han muc tin dung r r can dupc xay dung cu the tdi tung nganh, tung lmh vuc uu tien trudc het von a tin dung phuc vu phat trien san xuat kinh doanh nong nghiep, nong thon, cong nghiep ho trp, doanh nghiep nho va vua, cac doanh nghiep xuat khau chu luc Han che tang trudng tin dung cac nganh phi san xuat, cac nganh cong nghiep A khai thac tai nguyen khoang san (Vi muc tieu phat trien ben vung) 86 KET LU AN • Quan ly hoat dong kinh doanh cua cac NHTM khong chi la van de cap thiet cua Nha nudc van de kiem che lam phat, on dinh kinh te giai doan khung hoang kinh te toan cau hien ma no la yeu cau song cua he thong trudc xu hudng toan cau hoa r r Cuoc khung hoang tai chinh the gidi bung phat tir cudi nam 2008 va keo dai den da anh hudng khong nho tdi ke hoach phat trien kinh te cua Viet Nam De vupt qua kho khan doi hoi cd su chung tay gop sue cua toan bo cac phan cac nganh nghe kinh te, tir cac ca nhan cho den cac Doanh nghiep su dieu hanh cua Nha nudc Mac dii dudng phia trudc day thu thach, trac trd nhung bang tinh than ky luat, truyen thong doan ket, nghi luc phan dau tu lire tu cudng cua dan toe, chung ta nhat dinh se lai mot lan nira vupt qua cac thir thach Vdi mot de tai co noi dung rong, de cap tdi van de nong bong hien la kiem che lam phat, on dinh kinh te vi md va pham vi goi gon linh vuc hoat dong kinh doar.h cua he thong NHTM cua Viet Nam qua thuc la mot kho khan vo cung vdi mot hoc vien nhu tdi Chinh vi vay tdi xin dupe gidi han luan van d muc nhin nhan r t pham vi kien thuc dupe tong hpp tir qua trinh hoc va kinh nghiem dupe tich luy qua trinh lam viec cua mot can bo tin dung Xin chan cam on su hudng dan tan tinh cua thay giao, sir giup dong gop y kien cua ban be va dong vien het sire to ldn cua gia dinh 87 CAC TAI LIEU THAM KHAO Chinh phu (2011), Nghi quyet sd 11/NQ-CP, 24/02/2011 ve vi md, bao dam an sinh xa hoi cua Chinh phu David Begg (2008) Kinh te hoc, Nha xuat ban thong ke Duong Huu Hanh (2010) Ngan hang Trung uong cac vai trd va cac nghiep vu, NXB Lao Dong, Ha noi PGS.TS Ngo Thang Loi - TS Phan Thi Nhiem (2008) Kinh te phat trien (NEU) Nha xuat ban lao dong -xa hoi, Ha noi TS Phan Thi Thu Ha (2004) Giao trinh Ngan hang Thuong mai, Nha xuat ban Thong ke, Ha noi GS.TS Do Hoang Toan - PGS.TS Mai Van Buu (2008) Giao trinh Quan \ r r r r ly nha nudc ve kinh te, Nha xuat ban DH Kinh te quoc dan, Ha noi r r \ John Maynard Keynes (2004) Ly thuyet tong quat ve viec lam, lai suat r \ va tien te, Nha xuat ban giao due, Ha noi Ngan hang Nha nuoc (2011), CTzz r/n so 01/CT-NHNN 01/03/2011 ve thuc hien giai phap tien te va hoat dong NH nham kiem soat lam phat, on dinh kinh te vi md va bao dam an sinh xa hoi Ngan hang Nha nuoc (2011), Chi thi sd 02/CT-NHNN 07/09/2011 yr r y ve viec chan chinh viec thuc hien quy dinh ve muc lai suat huy dong bang tien VND va Do la My 10 Ngan hang Nha nudc (2011), Thong tu sd 30/2011/TT-NHNN r r r y y y 28/09/2011 quy dinh lai suat tdi da doi vai tien gui bang dong Viet Nam cua td chuc, cd nhan tai TCTD, chi nhanh ngan hang nudc ngoai 11 Ngan hang Nha nudc (2011) Quyet dinh sd 1925/QD-NHNN y y r y r 26/8/2011 ve dieu chinh ty le du tru bat buoc bang ngoai te doi vdi cac td chuc tin dung 88 r 12 r ? r Uy Ban kinh te (2009) Bao cao tham tra cua Uy ban Kinh te cua Quoc hoi sd 109 7/BC- UBKT12 16/10/2009 13 Quoc hoi (2010), QD 47/2010/QH12 duoc Quoc hoi nudc Cong hoa xa hoi chu nghia Viet Nam khoa thu thong qua 16 thang nam 2010, co hieu luc tu 01/01/2011 Cac nguon tai lieu khac 14 Tap chi thong tin tin dung danh cho Ngan hang (CICB) 15 Tin tuc tren cac Thdi bao kinh te (VNEconomy, Asia Times) 16 Webside Laodong.com.vn 17 Webside cua cua Tong cuc Thong ke, Nien giam cac nam 2000-2010 17 Trang web www.kitco.com cap nhat gia vang the gidi 89 PHAN PHU LUC • • PHU LUC I TINH HINH HOAT DONG SXKD CUA MOT SO NHTM TAI VIET NAM r '•'or Bao cao ket qua kinh doanh va bang can doi ke toan cua cac NH, Don vi ty dong Thang 12.2010 So luong cac NH khao sat Thang 12.2009 Th£ng 12.2008 42 43 39 THU TU LAI 278,265 180,952 183,046 CHI TRA LAI -192,024 -121,859 -130,676 THU NHAP TU' LAI (LAI RONG) 86,240 59,093 52,370 THU NHAP TIT PHI VA HOA HONG 18,133 11,991 7,990 CHI PHI CHO PHI VA HOA HONG -4,921 -3,406 -1,986 13,212 8,585 6,004 1,251 3,126 5,221 579 1,244 -2,459 TIT CO GIA -2,456 2,688 THU NHAP KHAC 13,882 10,746 CHI PHI KHAC -2,409 -952 THU NHAP RONG KHAC 11,472 9,794 7,810 2,565 1,666 1,731 -49,328 -38,460 -31,432 63,535 47,735 39,860 -17,778 -12,491 -16,920 45,757 35,245 22,940 -10,657 -8,310 -5,062 -58 72 BAO CAO KET QUA KINH DOANH THU NHAP RONG TU' THU PHI VA HOA HONG LOI NHUAN/LO TU' THI TRU'dNG NGOAI HOI VA VANG LOI NHUAN/LO TU' GIAO DICH CHUNG KHOAN LOI NHUAN/LO TU' DAU TU' CAC CHUNG 8,455 LOI NHUAN TU- DAU TU LIEN DOANH - LIEN KET CHI PHI QUAN LY HANH CHINH LOI NHUAN TRU'dC KHI DU PHONG CHI DU' PHONG LOI NHUAN TRUCJC THUE THUE HIEN TAI THUE TRA CHAM 90 Thang 12.2010 LOI NHUAN SAU THUE TRU” LAI TOI THIEU Thang 12.2009 35,042 27,007 -114 -167 34,927 26,840 Thang 12.2008 17,931 LOI NHUAN PHAN PHOI CHO CAC CO DONG CHINH BANG CAN DOI KE TOAN TIEN VA KIM LOAI QUY Thang 12.2010 Thang 12.2009 17,934 Thang 12.2008 79,964 53,587 48,565 77,676 96,320 101,034 623,629 422,136 267,386 CHUNG KHOAN KINH DOANH 20,698 9,700 9,596 CHUNG KHOAN KINH DOANH 22,116 10,637 11,563 TRU’ DO PHONG -1,418 -937 -1,967 1,432 1,847 1,572 UNG TRU’OC -32,298 -24,029 -19,706 DAU TU- CHUNG KHOAN 506,632 306,459 261,326 362,017 218,778 200,829 146,834 90,053 63,449 -2,219 -2,372 -2,952 26,534 21,094 21,325 DAU TU" LIEN DOANH 3,678 50 21 DAU TU’ LIEN KET 3,174 5,637 5,011 20,392 15,877 17,647 -709 -470 -1,354 34,398 27,529 20,948 TIEN GUI TAI NGAN HANG NHA NU’OC VIET NAM TIEN GUI VA CHO VAY TAI CAC TO CHUC TIN DUNG KHAC CONG CU PHAI SINH VA CAC TAI SAN TAI CHINH KHAC TRU’ DLT PHONG RUI RO CHO VAY VA CHUNG KHOAN DAU TU’ SAN SANG DE BAN CHUNG KHOAN DAU TU’ GIU’ DEN NGAY DAO HAN TRU’: DU PHONG GIAM GIA CHUNG KHOAN DAU TU’ DAU TU" VAO CAC TO CHUC KHAC VA LIEN DOANH LIEN KET CAC KHOAN DAU TU’ DAI HAN KHAC TRU’: DU’ PHONG GIAM GIA DAU TU’ DAI HAN TAI SAN CO DINH 91 Thang 12.2010 TAI SAN CO DINH HUU HINH Thang 12.2009 Thang 12.2008 19,726 16,592 13,325 782 416 581 13,890 10,520 7,042 280 506 516 227,256 130,250 69,966 TONG TAI SAN 3,515,250 2,538,717 1,834,676 NO PHAI TRA 3,239,081 2,340,510 1,683,690 209,649 144,471 58,767 545,266 357,848 202,651 1,990,074 1,490,265 1,165,380 441 1,048 40,227 133,302 101,192 56,484 chung TU’ CO GIA KHAC 255,638 145,848 87,055 CAC NGHIA VU KHAC 104,710 99,836 73,126 VON CUA CAC CO DONG 273,284 194,035 150,411 TIEN MAT 230,993 157,906 126,179 15,738 18,901 16,002 842 709 359 71 35 51 25,492 15,819 7,636 3,052 1,926 676 3,515,416 2,536,470 1,834,777 Thang 12.2010 Thang 12.2009 Thang 12.2008 197005 173544 83602 46049 26256 23440 TAI SAN THUE TAI CHINH TAI SAN CO DINH VO HINH TAI SAN DAU TU’ CAC TAI SAN KHAC CAC KHOAN NO CHINH PHU VA NGAN HANG NHA NU’dC TIEN GUI VA VAY CUA CAC TO CHUC TIN DUNG KHAC TIEN GUI CUA KHACH HANG CAC CONG CU TAI CHINH PHAI SINH VA CAC KHOAN NO TAI CHINH KHAC VON TAI TRO TU" CHENH PHU VA CAC TO CHUC KHAC CK CHUYEN DOI, GIAY NHAN NO VA CAC DU TRU' DU TRU’ CHENH LECH NGOAI HOI CHENH LECH DINH GIA LAI TAI SAN THU NHAP GIU LAI LAI SUAT TOI THIEU TONG NO PHAI TRA VA VON CSH GIA TRI CHO VAY THEO NGANH THUONG MAI NONG - LAM NGHIEP 92 Thang 12.2010 SAN XUAT VA CHE BIEN Thang 12.2009 Thang 12.2008 144127 137801 131314 99844 106343 71300 130409 84786 80076 50874 52336 23986 GIAO DUC VA DAO TAO 4998 3098 1835 TU' VAN BAT DONG SAN 13710 16765 5264 NHA HANG VA KHACH SAN 20922 24151 17250 8916 8282 2442 KHAC 290229 193501 127445 TONG 1007082 826861 567953 26 25 14 Thang 12.2010 Thang 12.2009 Thang 12.2008 1005000 793713 522397 32945 49317 41780 Nho nhom (Ng dudi tieu chuan) 6263 4895 6261 Nho nhom (ng nghi ngg) 3672 2911 2854 Nho nhom (Ng co kha nang mat von) 8132 6647 5725 1056012 857483 579017 30 29 18 Thang 12.2010 Thang 12.2009 Thang 12.2008 1027770 839956 543149 CHIET KHAU CHUNG TU CO GIA 6326 5700 4845 THUE TAI CHINH 3395 5304 3657 174 28 14 10088 13964 9244 1788 539 328 334 755 1257 XAY DUNG DICH VU TU' & CONG KHO BAI, VAN TAI VA VIEN THONG DICH VU TAI CHINH SO LUONG CAC NGAN HANG KHAO SAT PHAN THEO NHOM NO Nho nhom (ng du tieu chuan) Nho nhom (Ng can chu y) Total SO LUONG CAC NGAN HANG KHAO SAT CHO VAY PHAN LOAI THEO KHACH HANG CA NHAN VA DOANH NGHIEP TRONG nuOc THANH TOAN THAY KHACH HANG CAC KVAY DO CPHU VA TC TAI TRO CAC KHOAN VAY CHO CA NHAN VA DOANH NGHIEP NU'OC NGOAI CAC KHOAN VAY THEO CHI DINH CP 93 Thang 12.2010 Thang 12.2009 Thang 12.2008 CAC KHOAN VAY DONG BANG VA CHO DINH DOAT 41 40 42 6095 1017 1056012 866290 563553 30 29 19 Thang 12.2010 Thang 12.2009 Thang 12.2008 CAC KHOAN VAY NGAN HAN 607782 494268 317517 CAC KHOAN VAY TRUNG HAN 195772 145051 87729 CAC KHOAN VAY DAI HAN 252458 226971 158306 1056012 866290 563553 30 29 19 Thang 12.2010 Thang 12.2009 Thang 12.2008 102194 96748 57881 HA NOI 46804 19550 13576 DONG BANG SONG CUU LONG 14568 14806 7472 MIEN TRUNG 24858 21548 10324 7187 11566 1821 195612 164217 91074 6 Thang 12.2010 Thang 12.2009 Thang 12.2008 DOANH NGHIEP NHA NUUC 117989 103206 86871 DOANH NGHIEP TNHH 284937 178756 90116 DOANH NGHIEP NUUC NGOAI 18403 17078 13343 DOANH NGHIEP TU’ NHAN 42751 31769 17242 CA NHAN 290530 212497 119972 KHAC 263239 165962 88521 754610 543306 327543 26 26 17 CAC KHOAN VAY KHAC SO LUONG CAC NGAN HANG KHAO SAT PHAN LOAI KHOAN VAY THEO THOI HAN SO LU’ONG CAC NGAN HANG KHAO SAT PHAN LOAI NO THEO VI TRI DIA LY TP HO CHI MINH KHAC SO LUONG CAC NGAN HANG KHAO SAT PHAN LOAI KHOAN VAY THEO LOAI HINH DOANH NGHIEP SO LUONG CAC NGAN HANG KHAO SAT 94 Thang 12.2010 PHAN LOAI TIEN GUI THEO TIEN TE Thang 12.2009 Thang 12.2008 Thang 12.2010 Thang 12.2009 Thang 12.2008 253459 317497 236474 95853 78655 68166 349312 396152 304640 16 10 Thang 12.2010 Thang 12.2009 Thang 12.2008 84042 194045 136181 208073 108116 84962 7257 12965 38666 270265 437685 319665 25856 59786 39567 595492 812596 619042 17 21 13 Thang 12.2010 Thang 12.2009 Thang 12.2008 ROE 0.128 0.138 0.119 ROA 0.01 0.011 0.01 VND NGOAI TE SO LUONG CAC NGAN HANG KHAO SAT TIEN GUI THEO LOAI HINH KHACH HANG DOANH NGHIEP NHA NUOC DOANH NGHIEP NOI DIA DOANH NGHIEP NUC1C NGOAI CA NHAN KHAC SO LUONG CAC NGAN HANG KHAO SAT KHA NANG SINH LOI 95 PHU • LUC • II MOT SO CHt TIEU TAI CHINH CUA NHTM VIET NAM Ngay tham dinh: 30/6/2011 ' ——— Dan vi ty dong EPS STT TEN MA ABB An Binh Bank BVPS ROE ROA 1175 11016 10.7% 1.3% 1.7 2490 12133 20.5% 1.1% P/B GIA P/E 6670 5.7 0.6 20800 8.4 2010 Asia Commercial ACB Bank AGRB Agribank 0 952 11176 8.5% 0.5% BIDV BIDV 0 2269 14716 15.4% 1.0% BVB Bao Viet Bank 8580 9.7 0.8 883 10986 8.% 1.0% CTG VietinBank 27200 12.2 2.3 2231 11906 18.7% 0.9% DAB DaiA Bank 8670 27.8 0.8 312 10407 3.% 0.9% DCB OceanBank 8810 5.9 0.8 1486 11668 12.7% 0.9% EAB DongA Bank 9770 6.7 0.8 1465 12044 12.2% 1.2% 10 EIB Eximbank 14600 10.1 1.4 1449 10785 13.4% 1.4% 11 FCB Ficombank 10330 19.2 1.0 539 10689 5.% 1.4% 12 GB GP Bank 7000 10.3 0.7 682 10460 6.5% 0.7% 13 GDB Gia Dinh Bank 7810 27.6 0.8 283 10392 2.7% 0.7% 14 HBB Habubank 8400 5.3 0.7 1587 11772 13.5% 1.3% 15 HDB HDBank 9420 7.0 0.8 1344 11764 11.4% 0.8% 16 KLB Kien Long Bank 10380 15.9 1.0 651 10750 6.1% 1.5% 17 LVB LienVietBank 18 MB MBBank 8750 4.8 0.8 1839 11059 16.6% 2.% 16300 7.2 1.4 2267 11759 19.3% 1.6% 6600 15.2 0.6 433 10192 4.2% 0.9% Mekong 19 MDB 20 MHBB MHB Bank 8250 31.0 0.8 266 10559 2.5% 0.2% 21 MSB MaritimeBank 9000 4.3 0.8 2093 11445 18.3% 1.0% 22 NAB Nam A Bank 5420 7.8 0.5 693 10874 6.4% 1.0% Development Bank 96 23 NASB North Asia Bank 9000 21.4 0.8 421 10655 4.% 0.5% 24 NVB Nam Viet Bank 8700 10.1 0.8 862 11110 7.8% 0.8% 25 OCB ORICOMBANK 6790 6.2 0.6 1102 11364 9.7% 1.5% 26 PGB PG Bank 6730 6.2 0.6 1094 10867 10.1% 1.3% 27 PNB Southern Bank 10130 7.4 0.9 1373 11713 11.7% 0.7% 19100 24.9 1.7 766 11135 6.9% 0.7% PetroVietnam 28 PVF Finance Corp Saigon Commercial 29 SCB Bank 6240 9.4 0.6 663 11235 5.9% 0.5% 30 SEAB SeaBank 6250 5.3 0.6 1179 10766 11.% 1.1% 31 SGB SAIGONBANK 6400 0 0 0.0 0.0 32 SHB SH Bank 8300 6.0 0.7 1377 11652 11.8% 1.0% 33 STB Sacombank 12000 6.7 0.9 1783 12824 13.9% 1.3% 34 TB Trust Bank 8000 10.2 0.7 786 10841 7.3% 1.2% 35 TCB Techcombank 6.2 1.4 2990 13544 22.1% 1.4% 36 TPB Tien Phong Bank 6630 12.3 0.6 539 10659 5.1% 0.8% 37 VAB Viet A Bank 8940 10.2 0.8 875 11150 7.8% 1.1% 38 VCB Vietcombank 27700 9.4 1.9 2956 14499 20.4% 1.4% 39 VIB VIBBank 12240 8.7 1.0 1399 11663 12.% 0.8% 40 VPB VPbank 10110 9.3 0.9 1090 11272 9.7% 0.8% 7000 6.2 0.6 1135 11480 9.9% 0.8% 12000 60 1.2 200 10358 1.9% 0.4% 6120 23.9 0.6 256 10462 2.4% 0.5% 11.2 1.4 1851 12066 14.9% 1.1% 18640 Vietnam Tin Nghia 41 VTNB Bank 42 VTTB VietBank 43 WEB Western Bank Banking Ngudn: Hang truySn thong tai chinh StoxPlus 97 PHU LUC III • • LAI SUAT CHIET KHAU Ngay ap dung Gia tri Van ban quyet dinh 13% 929/QD-NHNN 29/4/2011 01/05/2011 12% 379/QD-NHNN 8/3/2011 08/03/2011 7% 447/TB-NHNN 29/11/2010 01/12/2010 7% 2620/QDNHNN 05/11/2010 05/11/2010 6% 402/TB-NHNN 27/10/2010 01/11/2010 6% 352/TB-NHNN 27/9/2010 01/10/2010 6% 316/TB-NHNN 25/08/2010 01/09/2010 6% 259/TB-NHNN 27/7/2010 01/08/2010 6% 316/TB-NHNN 25/8/2010 01/09/2010 6% 220/TB-NHNN 24/06/2010 10/08/2010 6% 189/TB-NHNN 31/5/2010 01/06/2010 6% 26/TB-NHNN 26/01/2010 01/02/2010 6%/nam 2664/QD-NHNN 25/11/2009 01/12/2009 5,0%/nam 2232/QD-NHNN 01/10/2009 5% 837/QD-NHNN 10/4/2009 10/04/2009 6,0% 173/QD-NHNN 23/1/2009 01/02/2009 7.5%/nam 3159/QD-NHNN 19/12/2008 22/12/2008 9,0%/nam 2949/QD-NHNN 3/12/2008 05/12/2008 10% 2810/QD-NHNN 21/11/2008 11%/nam 2561/QD-NHNN 3/11/2008 05/11/2008 12.0%/nam 2318/QD-NHNN 20/10/2008 21/10/2008 98 Gia tri Van ban quyet dinh 13,0%/nam 1316/QD-NHNN 10/6/2008 11/06/2008 11,00%/nam 1099/QD-NHNN 16/05/2008 19/05/2008 11% 1098/QD-NHNN 16/5/2008 19/05/2008 6.0% 306/QD-NHNN 30/1/2008 01/02/2008 4,5%/nam 1746/QD-NHNN 1/12/2005 01/12/2005 4,00%/nam 316/QD-NHNN 25/3/2005 01/04/2005 3,5%/nam 20/QD-NHNN 07/01/2005 15/01/2005 3,00%/nam 832/QD-NHNN 30/7/2003 01/08/2003 4,80%/nam 242/2001/QD-NHNN 29/03/2001 01/04/2001 5,40%/nam 466/2000/QD-NHNN 02/11/2000 06/11/2000 4,20%/nam 239/2000/QD-NHNN 31/07/2000 01/08/2000 4,80%/nam 102/2000/QD-NHNN 31/03/2000 05/04/2000 Ngay ap dung Nguon: Ngan hang Nha nuac PHU LUC IV • • Ty le Doanh so cho vay tren GDP cua Viet Nam cac nam nhu- sau: Nam 2007 Nam (nghin ty VND) (nghin ty VND) (nghin ty VND) 1300 2451 2679 GDP 1144 1487 1645 Ty le giua doanh so cho 1.14 1.65 1.63 Doanh so cho vay cac NH 2008 Nam 2009 tai Viet nam vay/GDP(Lan) - , - - - Thu noi dia (khong ke thu tu dau tho) Thu dau tho Thu can doi tu hoat dong xuat khau, nhap khau Thu vien tro khong hoan lai Thu ket chuyen tu nam trudc sang long chi can doi ngan sach nha nudc Ty le Du toan 2010 Ty le 100.00% 461,500 100.00% 58.61% 233,000 20.31% 63,700 59.76% 294,700 16.34% 66,300 63.86% 14.37% 64,500 19.97% 88,200 22.62% 95,500 20.69% 3,600 1.11% 5,000 1.28% 5,000 1.08% Du toan 2008 323,000 189,300 65,600 • Ty le boi chi so GDP Nguon bu dap boi chi 100.00%O 389,900 9,080 398,980 Chi dau tu phat trien 99,730 Chi tra no va vien tro 51,200 Chi phat trien su nghiep kinh te - xa hoi, quoc phdng, an ninh, quan ly hanh chinh nha nudc, dang, doan the 208,850 Chi cai cach tien luong 28,400 Chi bo sung quy du tru tai chinh 100 Du phong 10,700 Boi chi ngan sach nha nudc Ty le Du toan 2009 14,100 100%) 1,000 100% 582,200 100%o 25.00% 112,800 12.83% 58,800 22.96% 125,500 11.97% 70,250 21.56% 12.07% 52.35% 269,300 7.12% 36,600 54.81% 335,560 7.45% 35,490 57.64% 6.10% 0.03% 2.68% 491,300 100 13,700 0.02% 2.79% 100 15,300 66,900 87,300 119,700 5.00% 4.82% 6.20% 66,900 87,300 119,700 0.02% 2.63% Vay nudc 51,900 77.58% 71,300 81.67% 98,700 82.46% -Vay ngoai nudc 15,000 22.42% 16,000 18.33% 21,000 17.54% - - - Nguon: http://www.chinhphu.vn Can doi du toan Ngan sack Nha nudc qua cac nam 2008- 2010

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