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Khóa luận tốt nghiệp: Phân tích hoạt động kinh doanh Ngân hàng thương mại cổ phần Á Châu

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Khóa luận tốt nghiệp: Phân tích hoạt động kinh doanh Ngân hàng thương mại cổ phần Á Châu

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W !*+ $ $ C; ! % K! ) &, !+ K ! A% b1 +D! : ![ 4P 4+% K K ! K- # K = [ T> " V :5 !Y : !]S W V K= ] = = W $% 5% J 4 "I 4P !W "HK - % :5 Q !] S= 0D = = Qh1 QZ! ! 8C ! h+ 1P :[ ! CG! : K "+ " - l!W R = & ![ ] "+ " n = ] + :c :]S ! , ! 5% J :]S k ; :5 A ;! A G! *O t !; :; + Y v+% ? 0@ !B ; t AO 5% J ! ! v+ ] w1 Q :c !J ! G= v+% X $% & ]B $% A# ! & K h1 D ; ?3; ! V "% "5!K JC h1 1+ J ! G 2% 5% J C TD x + h1 ? !# < 0W - % ] D ! RC !*], :c !*% D "@ m D1 ! G - # +D! : ! RC :> + ! RC +% t x # 4U !* 5= $% w1 Q C AW ]B W 5% J A C !Y 06 %+ 1D ^ = R _ ( & ! RC !J ! % j1 & +D ;K 4U K K :e ! RC +% 3; ! V I 0, ] g= :y h1 ! < X ? & ! G C / ! "#$ >+()#* ? #+,#* -.# %/ ) 01# -/ 2+3# + +5 ?@ A B 1( C !*9 ! ] [ " &, /0 19 ! , *+ !; @ 17 $% !* G 0] : ] = 5! > +# 05 !* 3W 4G W + %C $ [ = G Q&C 4< f !*S C G= ! ], V ! - % - % !*9 = ; K0 !^ D [ ] JCK B 0+D 4O ! ;= P1 > n 05 $ 0$ #(1( ; ' # ;'( Z G # "$ 7 /0 34 + # 01 T - + C I :] G ![ €K !] +# ! ? " ! ], €K B 1f +# [ 5! > J :]S K " & + %C ( + I A% I • = R / • 0D :> "I 4P 0D !+ & + %C 1B !? 0D C "I 4P 0] & #C "% K ! ;= !P :]S & :c M ! +# ! ? %C t +# / • "% :5 0D :]S & % ! % B 1f +# ! ? :5 "E "E = # & - % ! ? 1e! !*+ $% = = J!K !l 0G 4< !*2 AX! A !D ! :> !M :5 !D+ *% & !+ K ![ 4P h+ - C :O +# # "I *j G +e ! !* {!D+ ! ? • - % +D! : ! > !D+ *% 0]S Fvn G1 53 # b ! !l 0G 4< !*2 : & 4P % ![ 4P ? 0R & #1 0]S %A ! < ] % ! % K +3 !+ !* K! *W & !* C> ! % b 1D & " ! ? :5 0W :5K & V ! ] +1 ! !* : & % !+ & b I P ! h+ S= : & V ! ![ D K +# ! ? 4O - % % ! #(-( % :R + )W !+ 5= = R !b ! K A ! 3> "# Q ! H ] ! $ - q $% G 1H ! !*O $% A8 !*M B !* !< G1 ! < !+ +e ! h+ + : !+ Qc :5 ! ] & !*+ + & ! % V K G # b V ! ;= • !D+ ! ? `‚ $% ! "#$ s F G Q;= D = "E "H + G Q :O 1< 4< *$ *+ ~;= D = & A G! L 1B K + %C !*+ t = # :]S ! < +3 19 !*], !; G B ! ! #3 A ;! : K3 *$ *+ ? 15 ! ? S= Q;= D s [ K !* s ‡O ! ! ;! G1 "I S %C $% & : ! W = # 4 (8 1D !; uvm H 1V !b C : CK !*+ ^ W K :&C Q ! ; L ! ] $% = ! C + 4+% !b $% ! O !*], + %C $% 1M !*]H 4+% + ? b1 - %K : !b 0W : & = [K :NC 1D 1V 0c " ! 3;! - # : : $ % +# 1P 0B B >1 "+ ! ! ! Q C !* K - # 0k ! ! !B :O + v8 JCK "+ B ;1 :]S g= r ! :0h ] :c !b K 0c " ! !b T> ! > $% ? !;K L = [ JCK :#1 A#+ 4+% R ! ;! $% '() L ? D !b - # 0k # !; ![ L J ;! "V % :O 3;! - # +D! : :R !] ! - C;! :O K3 r ! ? ! ! 2% 4+% A; : 0S K + 1D '() !*W ! O !*], J G - #K !b 4+% "< ! C %C F ! ] "# Q ! ] K 1P ! W & G= !*+ ? *$ *+ !; ! O !*], K - C;! :O 4+% %+ ? J !*+ Qc !*% O ! ; $% 1D ‡S ! "# Q ! 1H * b !*+ = 4U K ! ; :c O ! ; !*W ! O !*], b1 !B ! O= R & FB R ! ;= !P Q&C 4< # ! ! B !" !*W !^ ! z(m - C 17K !ƒ !*9 J= $% '() ! ! "+ B / ? ! & J= *6 C ! "#$ W K ; "+ B 4P !*W !^ $% & ! !*W ! ; ![ 4P K G - G :% 4D !*]B 5% ! O !*], & ! ?1 b ] $% !b = # !; +e ; ! < H! V D ! " = !*]H W V Q&C ! ! %C !*W ! O !*], \ *% ;! "V 1D :R [ J=K % 0D ^ :7 - # !*O 4+% H ! O # v] $% : +e ! , S= KT ! , & B !*+ %+ 4O :D! :]S ; 0]S z–'K ! !^ C FB "< A8 l V & 2% & 1P ! W - % !*9 ! !*+ :R !] ! ;1 H G 1P ! W "I $% ! :R !] !b ! , :&C L ; ! b1 R :&C :c ! O !*], :R !] g O !*[ 4U :R ! !*+ G=K : ! B :O ‡O 2 % !B '() R "H 1E F G ! ;1 % 0D `z–'a :]S Qh1 ! !*+ :> ! < G ? )X ` $ m g K K !*+ ! + 0]S 0]B K % " = + 0]B 4+% !*W ! ; G :g :% "I 4P 3ˆ J= `z–'an :> ! > :D! :]S !C KQ N 5% "V A? %+ 4O K F@ z–' :> % 0D *W !*O ^ = R D ![ ( [z 1D # ? ! = 5! > ]B m Kx # :c "‹ ! O = R K 1D G € & +D! : & *% *j # m S= #C 9! !*+ 5% +D! : !*% +D! : K !b A; : !*+ R = # 1H * j1 :% 4D %+ O ! ; D [ ![ PK :% 4D ![ 4P = JC AW "# = N1K '() R = # [ + aK o :% & F = 4O +3 C; " $% “ + +D! : [ !*], ]B T7 = P! 0]B :> !D+ : ? G !J= !* ‹ €H J= *6 !; + 1D ! "+ B !ƒ 0G Q = Ql W :NC 1D O :< $% ? 4< R & "# = N1K !* # b !ƒ !*9 J= $% '() H 1V W ! ]B = ! !* > +D! : B ! :R !] p = ! V :]S ^ $% ! $% !W J= - # !*O P z–' !*W ! ; ! "#$ B H F G! 1D %1 !*+ ! , 1E $% +D! : !3 0]S 4+% : !] ! :O ;1 : ! ] !* 1H I% 0B !*W ! ; D g! % !b ; 53 b +D! : F G! %1 1B D [ ; :% !1 ! $! , = ! !* > 0D !J= ! %1K '() R !*% ! :O K "E 1% K !J= :+ C :> l !*+ & $% '() :R !]K :O %1K '() ! 0]S & 0< ; 0]S !D F G! ; 0]S W 3;! B 3;! AW H F G! J= p+ B BK ! ; :? 3G :R !] + "V K z–' "E ^= R W K ! O !*], $% - ! :R K O ! ; C *+ !Y :]S = R ! 1D ! ! [ V ^ :7 & % :+D :R ! + & ! !*+ :+ z–' z ! !*O 0B p+ B % - % :c FG !; 0W ? 0S [ + # % AW n Y !*], = K !b 0]S 1V D : ! $3 $ K 0 1D ^ = R !D F G! %1 FB %+ 0] :% G +D !GK 4< ! ]H %C = W A# ()p *+ ]n - # 0k ! ? 1e!K "# = N1 A%+ ! % oK 5= = R & !* = I %+ 4O ( %CK 4P !; C %CK GK :e A G! + = Z= - # 0k " G L !* ! $% ? # = = [ 5% %+ G! V ?K +D! : J X :; :R !*+ %CK 19 4P ! G! Z+ "# = N1K *g! ;! ! ! # Q !0 0J= ! W # = = ()p !M b1 G ;! ! !` ! G A :]S - % !&1 :R !] = ! !* > "H D !R & + R :O = [ 4G %1 1E !*+ j1 C " !+ !D F G! K = [ ! ;= J C> A ; 1D L )j #1 1EK Q&1 ! ( & '() :c !*H ! G! 0]B * 9K '() ! > ! < G V & ; 0]S B ! ;! FB ! 1D L ; 0]S % : G! "H ! , B CW = C> 4O L 4O 2% +D! : PK : & :5 !]S K ! ; % !*6 - % ! "#$ !*9 x # !*O - % `(}za G ; 0]S ! !* 0< ( "!+1h* }h0%! + " = z% % h1h ! g! C !* = ! !* > $% 4+% G= + G Aj !J= = "# = N1K 4O P b1 "5 (}z :c - % !&1 :g 1V F G V + 4+% G= {( 0R = P V = ^ A ; !*W ! ; 4P g= & "E [! 06 G g= ! W1 X 0? - # 0k ! R 1% 0D 1D *W $% 4O P B ! ? K :e A G! G - # = 4P =A ! ], 1B G! $% G - # !*O 0S [ !+ 0B (}z :% 4+% 4+% (z' :]S ! ;! 3; ! ;! K - # 0k !] G3 + ! G= G= +D! : $% FG =+"! =! + A%+— ? ! V 4O P "E R !B !] ! = R ]n K - # 0k - C !* PK A + G= P ! < !; !D K '() W :NC 1D = 4P b K - # 0k "# = N1 4O R K + = S= B ! < !; ! !!=n „„„ !* B :e ! +D! : - % 1B | R K - # 0k 1%*3h! : =V :; = [ & JCK Q&C 4< ! ] = Q CW "I 4P S ]B G! A P G= ( [ Q %+ = [ = [A ! ], K 4\ = P (}z :% ( ! # 4P ]% :]S ? G= 1B :D! :]S "< ! +# 1c !* G V G3 & & & %CK B %1 U ? "+ B ! G= "E = ^ A ; K h ? 4+% !*+ ! = g k :; K - % :5 - % :c "‹ B 4+% H F G! = [ :> ! ;= J ! 4+% L L (}z "E ] (}z "E ! ;! G1 :]S * ! = [ C !* ! P3 $% 4P BK +! 4+% = 4P G! $% AW 3W G= FB - # !*O CW % $% '() "+ A43 ! A !1 ! "#$ !( , G D Te ! +D! : ! ;K b : 0< !* > !*% 4+% :5 - % !*9 g W 53 b P ( [ K0 L ! & W ! ] % :b ! : ? 0G ^= R ] %C :R !] T? ! & G G %C A]B += ! !*W = ] !G ! G1 ! K 1D G A !*[ : K !*]H D ]n ], :c ! ] % 1: K= ! h+ A + ! C> 4P [ :R ! W ] ! W V %n 1D & 0< T> :D! :]S 1P ! W !*+ :c !*# - % ! < ! \ !D V 4% & ^ = ; K !b [ !n = J & 0< K '() W ! ; V • !0 G - g! :D = 4O +K :e A G! : K K= ! G :D • :5 & & & + *j ! & G1 ;! '() :? B B A ! V R ! 4+% & 0< : "# - k QI "I 4P K :5 ! C> 4P = 5= %C 0c :D+ J= A - C? 0S G= P V A%n • - % % AW % ! > ! +# ! # ;: ! J 1V ! J= !*]B 50W 3k S= : 0%+ : FB AG = = D A K ! ] 1D !*+ & L K +e ! :]S G 0& ! ] :]S "I 4P ! %1 %! ! g! W :c !*# - % & !*% :g 1D b ! C> +1 b1 b1 K ]B K 0< & ! !*+ !0 ] JCK W & ], #1 ! C "H !*], :]S ! C> 4P & 0< $% T :]S :? AD!K K "E ! , K A# ! & W ! < "< G G1 AY 0y & # b G ! "#$ & L W 1! ! X A5 !C W K 0] l3 E 2% !C G1 $% & )W J! - : =V :5 FB ], ! " + K0W C; [ & G K !b "< :? 0B Aj W l Aj • ( K A#+ 4O= 0\ !;! ; : :c :? : ! ! 0+ C e! !J 4P % J!K ! b1 Y K ! %1 - % +% !*+ ! , : >1 T ? & 0< >1 Qc J K ! ; !D+ "< X A5 G ! !1 0LC - % ! , - C? 0S n A#+ - C? :]S ! +# ! %C ! h+ W K :#1 A#+ W :]S ![ !b H ]B 1G & & j1 ! ; !*+ ]% = # 0+D !*W ! O !*], C; [ D "% "5! : ! ]H = D! W Aj ^= ; ; : ! ]H & % ^ = ; !b € G K !* 2% C R ] JC ! :]S G !D !C >1 C !;K !^ V " l !K #+ " ! L !J= R :]S - % !&1K G ! g! & D ! "#$ B *+ "< = ! !* > J= & ]S! AJ B T5 5= ? !* !; : = ! !* > *+ B G! %CK & !^ ! ] 1D L 4+% $% ! & ] + ? ! 4+% [ & !*% FB K O! ; A]B : !b 1B 0G # : 4< A + 0D - % V !K %+ !Y :]S b 0< = # B :% ! C> L! !D ! V C !*W !+ G! m & ![ +D! : & :g ?! *W - # !*O ! & ! 1B X g= O ! ; $% ]B : & C :]S !; ! ; $% ]B !% :X K :R !] ? +D! : & S= 0k G !D !*]H K % !+ B ? L ] :% :O :5 1EK - C;! :O AG = =! [ ‘ • B :RC ! 4+% + !*W ! O !*], "E 2% W G - # D :? 3G - % - # 0k :]S K !M :5 - b1 - % :c W K AW 1B K *W $% + D+ *% * +# 4+% J= 1D J Te A G!K Q ! ; D ! O !*], *+ % :+D Qh 3EK 1H *% :R !] !*+ C ! :O A]B A]B = ! !* > J= "& 1D & !D !; : ! ]B ( & :c 4R r !< '() :D! :]S !*+ [ ]B ! ] V %1 ! > B K Q5% AY 4R & ! !*+ :]S ! ; $% ? !; F G! < ! $% ]B !% :c + "< = ! !* > ! ? :? :> ? ? G *W !; $% ]B !%K # b O ! ; :c ! < !D S=K !*+ G - # ! V 1V : M b1 D !; $% '() * W !*% K b1 ! ;= ! h+ '() "E ! ;= !P :; X !*W ! O !*], & b1 %+ !*W ! O !*], K % :+D J FB > :]S : >1 1D K : >1 ! "#$ C; K C ! ! V "E A]B : ! = 1B :> ! < "< !*H ! % 17 +D ] 2% h1 Q K & ! ! RC :c !*% Te A G! u # ! A]B : " 5% J W ! #1 AO D "@ m D1 & " !K !D+ W < !R1 z ! 0R + g= '() A% + h1 ] ! ] 1D - C G !*], TD 3; ! V :c !J ! !; A^ [ K ]B 4U h1 C K C ! b1 ! "#$ C mh!h* }+"hK D K x # !*O pm % p 1D - # !*O & ) ! ] C\ O G= PK ~) C\ K 1D K ~) #+K K ( [ & ! ] tW K m & ![ +D! : 4+% G=K ~) ! O !*], ! [ K tW ’*h4h* pz" K K ~) t +% F tq )# / ) + + AD ) + +! & ) + [ '() b1 & K K K p% +1A% 3K h +1A% 3K T7 & F h! +1A% 3K ) vF b1 & ]B K " K xT C )%"h0 K )%"h0 + = ] & $% $% G= :O C\ Fb !\ K p% +1A% [ x C;! :O ) + $% & +! G= :O '()K W Q 1A% b1 & J! + ! ], )# + AD ? !GK %1 = =: x C;! :O )%"h0K + K ~) $% ‘hA" !h :R !] ! ~ & x C; K : [ K }$ *+ ! [ < ( [ & n !!=n www@ / ]B K " xT EG % E' @ % ! "#$ ‘hA" !h A +% !+ ! ]n !!=n www@E @w ; E' @%` ‘hA" !h A +% !+ ! ]n !!=n www@ @w ; E' @%` / ‘hA" !h & ! ] 1D ^ = R ( & !!=n www@ F@ % @ ‘hA" !h & T7 ‘hA" !h ! , A + ‘hA" !h ‘hA" !h ‘hA" !h ) ‘hA" !h n !!=n www@E F@ % @ !; F G! %1n !!=n www@ !C ^ = R !* C? ! & E % % P@ p% %n !!=n www@G @ ]B F G! %1n !!=n www@GF @ % @ ( [ n !!=n www@ %x@ % @ yywww@G ` F'@ % y'% ! "#$ C ^ = E F z I ' '() & ! ] 1D ^ = R z & ! ] 1D z(m & ! ] 1D ^ = R z & ! ] 1D ‘ • ^ V ! ] ( v ^ V ![ 4P }•' J= !*W ! "# J= !*W Œz T T(T uvm Œz’ TD : : ^ (}z • ( ^ :7 - # !*O "# = N1 - x q ! ? !G ! ; * ()p $ "H J= 0c J A W Tx / B ]B }•w ]B 1D ! ; & / ( & G1 G - # !*O D G= P G - # !*O - % O !*], B V & A 0d G3 + = !J= !* ! "#$ FL b !*]H !" & G8 < b & ( $% C G " % !+ ? F O 0c z ( C: '() ! h+ : ! % I !D GA ` - C 17 $% b !*]H $% ! " t # b = G1 !*]H - C 17 $% '() ! "# '() $% ( ! "# ! h+ 3ˆ D / !+ V & 4+% b !*]H C: $% '() ( C: '() ! h+ !^ ` ( !? I $% C: $% ![ 4P ( !] V + v< = :R ( !? C: 3ˆ D $% '() *$ *+ ![ 4P p+ " ! "# ! h+ 4+% C : / ! h+ ! , 3ˆ m & 0+D S ( + %C ! h+ "# " '() ? b !*]H 0, $% & ![ 4P ! "#$ FL G8 < F O 0c ` 4+% ( + %C ! h+ ( ! ` < + %C ! h+ !; = R v+% ! : - % ƒ !9 4+% ! b1 ( ! ( " ! z / = [ +D! = [ "+ !^ ( = [ 4+% +D! : 4] S ![ 4P ( + %C ! h+ ( = R + %C ! h+ ! !; ( < 4+% ! h+ ! ‡c " ! A $% - & / & $% C: J= $% '() ); : !ƒ !*9 ! = R - % = [ b1 J= $% ! b !*]H %1 ! h+ 4< :+ !; F G! z ! " l !W $% '() z ! " $% 17 ƒ !*9 " l !W " z 0, ! 0, - C : !b !*]H [ F G! %1 ƒ 0G ! ? I ! ? 1e! !*+ ? !; ! 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