(Luận văn) các yếu tố tác động đến nợ xấu tại các ngân hàng thương mại việt nam

BỘ GIÁO DỤC VÀ ĐÀO TẠO t to ng TRƯỜNG ĐẠI HỌC KINH TẾ TP.HỒ CHÍ MINH hi ep w n lo ad PHÙNG THÙY DUNG ju y th yi pl n ua al n va CÁC YẾU TỐ TÁC ĐỘNG ĐẾN NỢ XẤU TẠI ll fu CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM oi m at nh z z ht vb k jm om l.c gm LUẬN VĂN THẠC SĨ KINH TẾ n a Lu n va y te re Tp Hồ Chí Minh - năm 2019 BỘ GIÁO DỤC VÀ ĐÀO TẠO t to TRƯỜNG ĐẠI HỌC KINH TẾ TP HỒ CHI MINH ng hi ep w n lo ad ju y th PHÙNG THÙY DUNG yi pl al n ua CÁC YẾU TỐ TÁC ĐỘNG ĐẾN NỢ XẤU TẠI CÁC n va NGÂN HÀNG THƯƠNG MẠI VIỆT NAM ll fu oi m nh at Chuyên ngành: Tài – Ngân hàng (Ngân hàng) z z Mã số: 8340201 ht vb k jm LUẬN VĂN THẠC SĨ KINH TẾ n a Lu TS NGUYỄN THANH PHONG om l.c gm NGƯỜI HƯỚNG DẪN KHOA HỌC n va y te re Tp.Hồ Chí Minh - năm 2019 LỜI CAM ĐOAN t to Tôi xin cam đoan nội dung luận văn: “Các yếu tố tác động đến nợ xấu ng ngân hàng thương mại Việt Nam” nghiên cứu tơi hi ep Ngoại trừ tài liệu tham khảo trích dẫn luận văn này, xin cam đoan nội dung luận văn chưa công bố sử dụng để w n nhận cấp nơi khác lo ad Tp.Hồ Chí Minh, ngày 15 tháng năm 2019 y th ju Người viết cam đoan yi pl n ua al n va ll fu Phùng Thùy Dung oi m at nh z z ht vb k jm om l.c gm n a Lu n va y te re MỤC LỤC t to TRANG PHỤ BÌA ng LỜI CAM ĐOAN hi ep MỤC LỤC DANH MỤC TỪ VIẾT TẮT w n DANH MỤC BẢNG BIỂU lo ad DANH MỤC BIỂU ĐỒ ju y th TÓM TẮT yi CHƯƠNG 1: GIỚI THIỆU ĐỀ TÀI NGHIÊN CỨU pl 1.1 Tính cấp thiết đề tài al n ua 1.2 Mục tiêu nghiên cứu va 1.2.1 Mục tiêu tổng quát: n 1.2.2 Mục tiêu cụ thể: fu ll 1.3 Câu hỏi nghiên cứu m oi 1.4 Đối tượng phạm vi nghiên cứu nh at 1.4.1 Đối tượng nghiên cứu……………………………………………………….3 z z 1.4.2 Phạm vi nghiên cứu…………………………………………………………4 ht vb 1.5 Phương pháp nghiên cứu jm 1.5.1 Phương pháp nghiên cứu định tính k 1.5.2 Phương pháp nghiên cứu định lượng gm l.c 1.6 Kết cấu luận văn………………………………………………………… om 1.7 Ý nghĩa khoa học thực tiễn nghiên cứu y te re 2.1.2 Nguyên nhân phát sinh nợ xấu…………………………………………… n 2.1.1 Khái niệm nợ xấu va 2.1 Lý thuyết tổng quan nợ xấu n CHƯƠNG 2: TỔNG QUAN LÝ THUYẾT VỀ CÁC YẾU TỐ TÁC ĐỘNG ĐẾN NỢ XẤU CỦA NGÂN HÀNG THƯƠNG MẠI ……………………………….7 a Lu *Tóm tắt chương 1………………………………………………………… 2.1.2.1 Nguyên nhân từ ngân hàng……………………………………………….8 t to 2.1.2.2 Nguyên nhân từ khách hàng……………………… ………………… 11 ng 2.1.2.3 Nguyên nhân từ kinh tế………………………………………… …11 hi ep 2.1.3 Ảnh hưởng nợ xấu ………………………………………………… 13 2.1.3.1 Đối với kinh tế 13 w n 2.1.3.2 Đối với ngân hàng thương mại………………………………………… 13 lo ad 2.1.3.3 Đối với khách hàng……………………….…………………………… 13 ju y th 2.1.3.3 Đối với khách hàng………………………………………………………13 yi 2.1.4 Các tiêu đo lường nợ xấu…………………………………………… 133 pl 2.1.4.1 Tỷ lệ nợ hạn .13 al n ua 2.1.4.2 Tỷ lệ nợ xấu 144 va 2.1.4.3 Hệ số rủi ro tín dụng .144 n 2.1.4.4 Tỷ lệ xoá nợ 155 fu ll 2.1.4.5 Dự phịng rủi ro tín dụng 155 oi m 2.1.4.6 Thu nhập lãi cận biên 155 nh động at 2.1.5 Các yếu tố tác xấu……………………………………………166 đến nợ z z ht vb 2.1.5.1 Nợ xấu khứ .166 jm 2.1.5.2 Các khoản dự phòng rủi ro .167 k 2.1.5.3 Đòn bẩy tài 177 gm 2.1.5.4 Quy mô ngân hàng 177 om l.c 2.1.5.5 Khả sinh lời 18 2.1.5.6 Tốc độ tăng trưởng tín dụng 18 a Lu 2.1.5.7 Tỷ lệ lạm phát 18 n y 2.1.5.10 Tỷ giá hối đoái: .20 te re 2.1.5.9 Tỷ lệ thất nghiệp .19 n va 2.1.5.8 Tốc độ tăng trưởng kinh tế ( GDP) 19 t to 2.2 Lược khảo nghiên cứu thực nghiệm yếu tố ảnh hưởng đến nợ xấu ngân hàng thương mại 20 ng 2.2.1 Các nghiên cứu nước ……………………………………………….20 hi 2.2.2 Các nghiên cứu nước…………………………………………….… 26 ep *Tóm tắt chương 2………………………………………………………… ….28 w CHƯƠNG 3: PHƯƠNG PHÁP VÀ MƠ HÌNH NGHIÊN CỨU 299 n lo 3.1 Đề xuất mơ hình nghiên cứu…………………………………………….… 29 ad y th 3.2 Quy trình thực 33 ju 3.2.1 Thu thập liệu……………………………………………………………34 yi pl 3.2.2 Thống kê mô tả…………………………………………………………….34 al ua 3.2.3 Phân tích, lựa chọn mơ hình hiệu nhất……………………………… 34 n 3.2.4 Kiểm tra xử lý khiếm khuyết mơ hình…………………………… 35 va n *Tóm tắt chương 3…………………………… …………………………… 37 fu ll CHƯƠNG 4: KẾT QUẢ NGHIÊN CỨU VỀ CÁC YẾU TỐ TÁC ĐỘNG ĐẾN NỢ XẤU TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM…………… 38 oi m at nh 4.1 Thực trạng nợ xấu yếu tố tác động đến nợ xấu 25 NHTM Việt Nam……………………… 38 z Thực trạng nợ xấu 25 NHTMCP Việt Nam 38 z 4.1.1 vb ht 4.1.2 Dự phịng rủi ro tín dụng so với nợ xấu 25 ngân hàng thương mại Việt Nam…… 39 jm k 4.1.3 Thực trạng yếu tố tác động đến nợ xấu 25 ngân hàng thương mại Việt Nam…………………… 41 gm om l.c 4.1.3.1 Quy mô ngân hàng……………………………………………………….41 4.1.3.2 Khả sinh lời……………………………………………………… 42 y te re 4.2 Kết mơ hình nghiên cứu 51 n 4.1.3.6 Tỷ giá hối đoái………………………………………………………… 48 va 4.1.3.5 Tỷ lệ lạm phát………………………………………………………… 47 n 4.1.3.4 Tốc độ tăng trưởng GDP……………………………………… …… 45 a Lu 4.1.3.3 Tốc độ tăng trưởng tín dụng…………………………………………… 44 4.1.4 Thống kê mô tả liệu 50 t to 4.1.5 Kết phân tích hồi quy 51 ng 4.1.6 Kiểm tra xử lý khiếm khuyết mơ hình .52 hi ep 4.1.6.1 Kiểm tra ma trận hệ số tương quan…………………………………… 53 4.1.6.2 Kiểm tra hệ số phóng đại phương sai……………………………… .53 w n 4.1.6.3 Kiểm tra phương sai sai số thay đổi…………………………………….54 lo ad 4.1.6.4 Tương quan chuỗi……………………………………………………….54 ju y th 4.1.7 Các yếu tố thuộc ngân hàng 62 yi 4.1.7.1 Nợ xấu ngân hàng khứ 62 pl 4.1.7.2 Các khoản dự phòng rủi ro .63 al n ua 4.1.7.3 Địn bẩy tài 63 va 4.1.7.4 Quy mô ngân hàng………………… …………………………… ….63 n 4.1.7.5 Khả sinh lời khứ…………… ……………………….…64 fu ll 4.1.7.6 Tốc độ tăng trưởng tín dụng……… ……………………………………64 m oi 4.1.8 Các yếu tố kinh tế vĩ mô .65 nh at 4.1.8.1 Tỷ lệ lạm phát 65 z 4.1.8.2 Tốc độ tăng trưởng kinh tế 65 z ht vb 4.1.8.3 Tỷ giá hối đoái 65 jm *Tóm tắt chương 4……………………………… ………………………… 66 k CHƯƠNG 5: KẾT LUẬN VÀ HÀM Ý CHÍNH SÁCH HẠN CHẾ VÀ XỬ LÝ NỢ XẤU TẠI CÁC NHTM VIỆT NAM …… .67 gm om l.c 5.1 Định hướng phát triển ngân hàng thương mại Việt Nam 67 n a Lu 5.2 Hàm ý sách xử lý hạn chế nợ xấu NHTM Việt Nam… ………………………………………………………………………………68 5.2.2 Kiến nghị ngân hàng Nhà Nước, Chính phủ VAMC………… 71 y te re 5.2.2.1 Kiến nghị Ngân hàng Nhà nước Việt Nam…………………… 71 n va 5.2.1 Đối với NHTM Việt Nam 68 5.2.2.2 Kiến nghị Chính phủ……………………………………….……73 5.2.2.3 Kiến nghị VAMC…………………………………………….….74 5.3 Hạn chế luận văn đề xuất hướng nghiên cứu 74 t to KẾT LUẬN 755 ng DANH MỤC TÀI LIỆU THAM KHẢO hi ep PHỤ LỤC…………………………………………………………………………… w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z ht vb k jm om l.c gm n a Lu n va y te re t to ng hi ep w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z ht vb k jm om l.c gm n a Lu n va y te re DANH MỤC TỪ VIẾT TẮT t to Từ viết tắt Nội dung viết tắt ng hi GDP Tổng sản phẩm quốc nội Ngân hàng trung ương Ngân hàng Nhà nước w ep NHNN n NHTW lo ad NHTM Ngân hàng thương mại cổ phần ju yi Return on asset pl ROA y th NHTMCP Ngân hàng thương mại n ua al (Tỷ suất lợi nhuận ròng tổng tài sản) Tổ chức tín dụng VAMC VietNam Asset Management Company n va TCTD ll fu oi m (Công ty quản lý tài sản tổ chức tín dụng Việt Nam) Đồng đô la Mỹ z USD at Đồng Việt Nam nh VND z ht vb k jm om l.c gm n a Lu n va y te re t to ng 0162936 -2.58 0.010 -.0738966 -.010027 SIZE | -.0162733 0156405 -1.04 0.298 -.0469281 0143814 hi LEV | -.0419618 ep w lROA | 1.243197 4568955 2.72 0.007 3476983 2.138696 n lo -0.28 0.778 -.0032895 0024617 0111519 0.38 0.705 -.0176313 0260834 GDP | -.2486882 1442314 -1.72 0.085 -.5313765 0340001 0.98 0.326 -2.27e-06 6.82e-06 ad LG | -.0004139 y th INF | 004226 0014672 ju yi pl 2.32e-06 ua al USA | 2.28e-06 n va n Warning: Uncorrected two-step standard errors are unreliable ll fu at nh z Standard oi m Instruments for first differences equation z ht vb D.(LLP LEV SIZE INF GDP USA) k jm GMM-type (missing=0, separate instruments for each period unless collapsed) om l.c gm L.L.NPLt Arellano-Bond test for AR(1) in first differences: z = -1.27 Pr > z = 0.205 n y te re = 2.62 Prob > chi2 = 0.855 va Sargan test of overid restrictions: chi2(6) n a Lu Arellano-Bond test for AR(2) in first differences: z = 0.37 Pr > z = 0.708 th (Not robust, but not weakened by many instruments.) t to ng Hansen test of overid restrictions: chi2(6) = 4.62 Prob > chi2 = 0.594 hi ep (Robust, but weakened by many instruments.) w n lo ad Difference-in-Hansen tests of exogeneity of instrument subsets: y th iv(LLP LEV SIZE INF GDP USA) ju chi2(0) yi Hansen test excluding group: = 0.00 Prob > chi2 = pl = 4.62 Prob > chi2 = 0.594 ua al Difference (null H = exogenous): chi2(6) n xtabond2 NPLt NPLt1 LLP LEV SIZE ROAt1 LG INF GDP USA,gmm( L.NPLt va n GDP, lag(1 1)) iv( LLP LEV SIZE INF USA) twostep fu ll Favoring space over speed To switch, type or click on mata: mata set matafavor oi m speed, perm nh at Warning: Number of instruments may be large relative to number of observations z z Warning: Two-step estimated covariance matrix of moments is singular vb jm ht Using a generalized inverse to calculate optimal weighting matrix for two-step k estimation l.c gm Difference-in-Sargan/Hansen statistics may be negative om Dynamic panel-data estimation, two-step system GMM y Obs per group: = 25 te re Number of groups = 272 n Time variable : year Number of instruments = 35 = va Number of obs n Group variable: id a Lu th t to ng Wald chi2(9) = 2851.34 avg = 10.88 hi ep Prob > chi2 = 0.000 max = 11 w n lo ad NPLt | Coef Std Err z P>|z| [95% Conf Interval] y th -+ ju 12.61 0.000 yi lNPL | 1841593 0146088 pl 2.204471 1888969 11.67 0.000 ua al LLP | n LEV | -.0084897 0040082 va 2127919 1.83424 2.574702 -2.12 0.034 -.0163456 -.0006337 -5.61 0.000 -.0103189 -.0049777 n SIZE | -.0076483 0013626 1555266 000464 0338468 -1.68 0.093 GDP | -.3978581 0424801 -9.37 0.000 USA | 1.46e-06 2.35e-07 6.20 0001298 0096708 0294268 z 3.88 0.000 -.001689 z INF | 0195488 0050399 4260551 at nh LG | -.0007796 2.30 0.022 oi 100055 m 229951 ll fu lROA | ht vb -.4811175 -.3145986 9.95e-07 6.58 0.000 0437755 1.92e-06 k jm 0.000 0809035 om Warning: Uncorrected two-step standard errors are unreliable l.c gm _cons | 0623395 0094716 n a Lu n y te re Standard va Instruments for first differences equation th D.(LLP LEV SIZE INF USA) t to ng GMM-type (missing=0, separate instruments for each period unless collapsed) hi ep L.(L.NPLt GDP) w Instruments for levels equation n lo ad Standard y th LLP LEV SIZE INF USA ju yi _cons pl D.(L.NPLt GDP) n ua al GMM-type (missing=0, separate instruments for each period unless collapsed) va n ll fu oi m Arellano-Bond test for AR(1) in first differences: z = -1.19 Pr > z = 0.235 at nh Arellano-Bond test for AR(2) in first differences: z = -0.14 Pr > z = 0.889 z z ht vb Sargan test of overid restrictions: chi2(25) = 42.02 Prob > chi2 = 0.018 k jm (Not robust, but not weakened by many instruments.) n y te re Difference (null H = exogenous): chi2(10) = 0.95 Prob > chi2 = 1.000 n chi2(15) = 16.08 Prob > chi2 = 0.377 va Hansen test excluding group: a Lu GMM instruments for levels om Difference-in-Hansen tests of exogeneity of instrument subsets: l.c (Robust, but weakened by many instruments.) gm Hansen test of overid restrictions: chi2(25) = 17.03 Prob > chi2 = 0.881 th iv(LLP LEV SIZE INF USA) t to ng Hansen test excluding group: chi2(20) = 19.42 Prob > chi2 = 0.495 hi ep Difference (null H = exogenous): chi2(5) = -2.40 Prob > chi2 = 1.000 w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th t to ng Phụ lục 10: Dữ liệu nghiên cứu: hi NPL(t-1) LLP LEV SIZE ROA (t-1) LG INF GDP USD 2007 8.81% 1.42% 0.94 8.31 0.39% 33.80% 12.60% 7.13% 16,077.58 2008 4.32% 1.67% 0.95 8.39 0.75% 21.97% 19.89% 5.66% 16,538.79 2009 3.16% 1.82% 0.94 8.47 0.80% 28.21% 6.52% 5.40% 17,862.83 BID 2010 2.68% 1.45% 0.93 8.56 0.95% 23.15% 11.75% 6.42% 19,172.96 BID 2011 2.53% 1.44% 0.94 8.61 1.03% 15.64% 18.13% 6.24% 20,695.50 BID 2012 2.76% 1.22% 0.94 8.69 0.79% 15.65% 6.81% 5.25% 20,876.14 BID 2013 2.70% 1.12% 0.94 8.74 0.61% 15.04% 6.04% 5.42% 21,009.38 BID 2014 2.26% 1.02% 0.95 8.81 0.74% 13.98% 1.84% 5.98% 21,206.67 BID 2015 2.03% 0.88% 0.95 8.93 0.77% 34.27% 0.60% 6.68% 21,967.33 BID 2016 1.68% 1.00% 0.96 fu 9.00 0.75% 20.93% 4.74% 6.21% 22,379.67 BID 2017 1,99% 1,23% 0.96 9,08 0,62% 19,79% 3,53% 6,81% 22,717.29 VCB 2007 2.75% 1.06% 0.93 nh 1.72% 10.97% 12.60% 7.13% 16,077.58 VCB 2008 3.69% 1.92% 0.94 8.35 1.22% 15.65% 19.89% 5.66% 16,538.79 VCB 2009 4.61% 1.81% 0.93 8.41 0.61% 25.56% 6.52% 5.40% 17,862.83 VCB 2010 2.47% 1.85% 0.93 8.49 1.54% 11.75% 6.42% 19,172.96 VCB 2011 2.83% 1.45% 0.92 8.56 1.38% 18.44% 18.13% 6.24% 20,695.50 VCB 2012 2.03% 1.28% 0.90 8.62 1.15% 15.16% 6.81% 5.25% 20,876.14 VCB 2013 2.40% 1.38% 0.91 8.67 1.07% 13.75% 6.04% 21,009.38 VCB 2014 2.73% 1.21% 0.92 8.76 0.93% 17.87% gm 5.42% 1.84% 5.98% 21,206.67 VCB 2015 2.31% 1.28% 0.93 8.83 0.80% 19.91% 0.60% 6.68% 21,967.33 VCB 2016 1.84% 1.03% 0.94 8.90 0.79% 18.85% 4.74% 6.21% 22,379.67 VCB 2017 1,51% 0,78% 0.95 9,02 0,87% 17,93% 3,53% 6,81% 22,717.29 CTG 2007 1.41% 1.03% 0.94 8.22 0.44% 7.40% 12.60% 7.13% 16,077.58 CTG 2008 1.03% 1.11% 0.94 8.29 0.69% 18.16% 19.89% 5.66% 16,538.79 CTG 2009 1.81% 0.64% 0.95 8.39 0.93% 35.13% 6.52% 5.40% 17,862.83 CTG 2010 0.61% 0.75% 0.95 8.57 0.53% 43.59% 11.75% 6.42% 19,172.96 Năm w ep Ngân hàng n BID ad ju y th BID lo BID yi pl n ua al n va ll oi m 8.30 at z z vb 24.85% k jm ht om l.c n a Lu n va y te re th t to ng CTG 0.66% 0.66% 0.94 8.66 0.93% 25.24% 18.13% 6.24% 20,695.50 CTG 2012 0.75% 0.73% 0.93 8.70 1.36% 13.61% 6.81% 5.25% 20,876.14 CTG 2013 1.47% 0.57% 0.96 8.76 1.23% 12.88% 6.04% 5.42% 21,009.38 2014 1.00% 0.66% 0.92 8.82 1.01% 16.90% 1.84% 5.98% 21,206.67 1.12% 0.58% 0.93 8.89 0.87% 22.33% 0.60% 6.68% 21,967.33 0.72% 0.94 8.98 0.73% 23.03% 4.74% 6.21% 22,379.67 0,76% 0.94 9,04 0,72% 19,44% 3,53% 6,81% 22,717.29 0.89 7.81 1.90% 145.78% 12.60% 7.13% 16,077.58 0.89 7.84 2.16% -1.04% 19.89% 5.66% 16,538.79 0.90 8.02 1.40% 70.41% 6.52% 5.40% 17,862.83 hi 2011 ep w CTG 2016 CTG 2017 1,02% STB 2007 0.72% STB 2008 0.23% 0.37% STB 2009 0.60% 0.50% STB 2010 0.64% 0.54% 0.90 8.18 1.61% 38.27% 11.75% 6.42% 19,172.96 STB 2011 0.54% 0.57% 0.90 8.15 1.25% -2.36% 18.13% 6.24% 20,695.50 STB 2012 0.58% 0.95% 0.91 8.18 fu 1.41% 19.61% 6.81% 5.25% 20,876.14 STB 2013 2.05% 0.82% 0.90 8.20 0.66% 11.95% 6.04% 5.42% 21,009.38 STB 2014 1.48% 0.69% 0.91 8.28 1.35% 15.51% 1.84% 5.98% 21,206.67 STB 2015 1.19% 0.77% 0.92 8.47 1.21% 47.43% 0.60% 6.68% 21,967.33 STB 2016 5.87% 0.73% 0.93 8.52 0.22% 6.95% z 4.74% 6.21% 22,379.67 STB 2017 7,00% 0,75% 0.94 8,57 0,03% 12,10% 3,53% 6,81% 22,717.29 EIB 2007 0.85% 0.22% 0.81 7.53 1.41% 80.77% 7.13% 16,077.58 EIB 2008 0.88% 0.78% 0.73 7.68 1.37% 15.07% 19.89% 5.66% 16,538.79 EIB 2009 4.71% 0.58% 0.80 7.82 1.47% 80.77% 6.52% 5.40% 17,862.83 EIB 2010 1.83% 0.48% 0.90 8.12 1.73% 62.44% 11.75% 6.42% 19,172.96 EIB 2011 1.42% 0.34% 0.91 8.26 1.38% 19.76% 18.13% 6.24% EIB 2012 1.61% 0.36% 0.91 8.23 1.66% 0.35% 6.81% 5.25% 20,876.14 EIB 2013 1.32% 0.42% 0.91 8.23 1.24% 11.25% 6.04% 5.42% 21,009.38 EIB 2014 1.98% 0.63% 0.91 8.21 0.38% 4.55% 1.84% 5.98% 21,206.67 EIB 2015 2.46% 0.70% 0.89 8.10 0.03% -2.74% 0.60% 6.68% 21,967.33 EIB 2016 1.86% 0.83% 0.90 8.11 0.03% 2.51% 4.74% 6.21% 22,379.67 EIB 2017 2,95% 0,71% 0.90 8,17 0,24% 16,61% 3,53% 6,81% 22,717.29 ad 0.92% ju y th yi 0.27% pl ua al n va ll CTG lo 2015 n n CTG oi m at nh z ht vb k jm 12.60% om l.c gm 20,695.50 n a Lu n va y te re th t to 0.93 7.93 1.13% 86.96% 12.60% 7.13% 16,077.58 ACB 2008 0.08% 0.22% 0.93 8.02 2.06% 9.50% 19.89% 5.66% 16,538.79 2009 0.89% 0.30% 0.94 8.23 2.10% 79.02% 6.52% 5.40% 17,862.83 2010 0.41% 0.35% 0.94 8.31 1.31% 39.83% 11.75% 6.42% 19,172.96 2011 0.34% 0.35% 0.96 8.45 1.14% 17.91% 18.13% 6.24% 20,695.50 2012 0.59% 0.85% 0.93 8.25 1.14% 0.01% 6.81% 5.25% 20,876.14 ACB 2013 2.50% 0.93% 0.92 8.22 0.44% 4.26% 6.04% 5.42% 21,009.38 ACB 2014 3.03% 0.88% 0.93 8.25 0.50% 7.05% 1.84% 5.98% 21,206.67 ACB 2015 2.21% 0.76% 0.94 8.30 0.53% 17.96% 0.60% 6.68% 21,967.33 ACB 2016 2.15% 0.77% 0.94 8.37 0.51% 20.73% 4.74% 6.21% 22,379.67 ACB 2017 1,64% 0,65% 0.94 8,45 0,57% 21,49% 3,53% 6,81% 22,717.29 SHB 2007 1.37% 0.07% 0.82 7.09 0.53% 748.61% 12.60% 7.13% 16,077.58 SHB 2008 0.50% 0.21% 7.09 1.03% 48.85% 19.89% 5.66% 16,538.79 SHB 2009 1.89% 0.46% 0.91 7.44 1.57% 103.97% 6.52% 5.40% 17,862.83 SHB 2010 2.82% 0.53% 0.92 7.71 1.16% 89.76% 11.75% 6.42% 19,172.96 SHB 2011 1.41% 0.50% 0.92 7.85 0.97% 19.52% 18.13% 6.24% 20,695.50 SHB 2012 2.26% 1.07% 0.92 8.07 97.66% 6.81% 5.25% 20,876.14 SHB 2013 8.81% 0.83% 0.93 8.16 1.45% 6.04% 5.42% 21,009.38 SHB 2014 5.66% 0.62% 0.94 8.23 0.59% 36.06% 1.84% 5.98% 21,206.67 SHB 2015 2.02% 0.69% 0.95 8.31 0.47% 26.26% 0.60% 6.68% 21,967.33 SHB 2016 1.72% 0.77% 0.94 8.37 0.39% 22.18% 4.74% 6.21% 22,379.67 SHB 2017 1,90% 1,00% 0.95 8,46 0,39% 23,48% 3,53% 6,81% 22,717.29 NCB 2007 1.04% 0.06% 0.94 7.00 1.85% 12.60% 16,077.58 NCB 2008 0.16% 0.20% 0.90 7.04 0.75% 1131.72 % 25.46% 19.89% 5.66% NCB 2009 2.91% 0.51% 0.94 7.27 0.52% 81.93% 6.52% 5.40% NCB 2010 2.45% 0.53% 0.92 7.71 0.76% 144.74% 11.75% 6.42% 19,172.96 NCB 2011 1.40% 0.50% 0.92 7.85 0.97% 19.64% 18.13% 6.24% 20,695.50 NCB 2012 2.23% 1.01% 0.85 7.33 1.06% -55.81% 6.81% 5.25% 20,876.14 NCB 2013 5.64% 0.72% 0.89 7.46 0.01% 4.58% 6.04% 5.42% 21,009.38 0.16% om ep 0.19% gm hi 2007 nh ng ACB ACB w n ACB ad ju y th ACB lo ACB yi pl n ua al n va fu ll 0.98 oi m at z z 1.06% vb 34.37% k jm ht l.c 7.13% a Lu 16,538.79 n 17,862.83 n va y te re th t to 0.53% 0.91 7.57 0.06% 22.04% 1.84% 5.98% 21,206.67 NCB 2015 2.55% 0.43% 0.93 7.68 0.02% 24.24% 0.60% 6.68% 21,967.33 NCB 2016 2.15% 0.42% 0.95 7.84 0.01% 24.08% 4.74% 6.21% 22,379.67 NCB 1,48% 0,50% 0.96 7,86 0,02% 26,66% 3,53% 6,81% 22,717.29 MBB 2007 2.78% 0.49% 0.88 7.47 1.61% 93.57% 12.60% 7.13% 16,077.58 MBB 2008 1.53% 0.56% 0.89 7.65 1.66% 35.55% 19.89% 5.66% 16,538.79 MBB 2009 1.83% 0.65% 0.89 7.84 1.59% 87.97% 6.52% 5.40% 17,862.83 MBB 2010 1.68% 0.91 8.04 2.88% 64.92% 11.75% 6.42% 19,172.96 MBB 2011 1.26% 0.79% 0.93 8.14 1.56% 21.00% 18.13% 6.24% 20,695.50 MBB 2012 0.79% 0.75% 0.92 8.24 1.53% 26.14% 6.81% 5.25% 20,876.14 MBB 2013 1.84% 0.98% 0.91 n 8.26 1.31% 17.81% 6.04% 5.42% 21,009.38 MBB 2014 2.44% 1.23% 0.91 8.30 1.27% 14.62% 1.84% 5.98% 21,206.67 MBB 2015 2.73% 0.89% 0.90 8.34 fu 1.25% 20.66% 0.60% 6.68% 21,967.33 MBB 2016 1.61% 0.80% 0.90 8.41 1.14% 24.22% 4.74% 6.21% 22,379.67 MBB 2017 1,32% 0,68% 0.91 8,50 22,19% 3,53% 6,81% 22,717.29 ABB 2007 3.10% 0.34% 0.86 7.23 1.87% 506.42% 12.60% 7.13% 16,077.58 ABB 2008 1.51% 0.60% 0.71 7.13 0.94% -4.65% z 19.89% 5.66% 16,538.79 ABB 2009 2.07% 0.54% 0.83 7.42 0.37% 97.02% 6.52% 5.40% 17,862.83 ABB 2010 2.21% 0.56% 0.88 7.58 1.18% 54.29% 11.75% 6.42% 19,172.96 ABB 2011 2.36% 0.77% 0.89 7.62 1.26% 0.19% 18.13% 6.24% 20,695.50 ABB 2012 2.58% 0.90% 0.89 7.66 0.74% -5.82% 6.81% 5.25% 20,876.14 ABB 2013 2.84% 1.13% 0.90 7.76 0.87% 26.08% 6.04% 5.42% 21,009.38 ABB 2014 6.74% 0.70% 0.92 7.83 0.24% 9.82% 1.84% 5.98% ABB 2015 3.97% 0.60% 0.91 7.81 0.17% 19.05% 0.60% 6.68% 21,967.33 ABB 2016 2.12% 0.79% 0.92 7.87 0.14% 26.83% 4.74% 6.21% 22,379.67 ABB 2017 2,54% 0,90% 0.93 7,93 0,33% 22,17% 3,53% 6,81% 22,717.29 SeaBank 2007 0.23% 0.18% 0.87 7.42 0.97% 227.81% 12.60% 7.13% 16,077.58 SeaBank 2008 0.24% 0.35% 0.81 7.35 1.14% -31.29% 19.89% 5.66% 16,538.79 ep n 2017 lo ad ju y th yi 0.67% pl ua al n va ll 6.07% hi 2014 w ng NCB oi m at nh 1,13% z k jm ht vb om l.c gm 21,206.67 n a Lu n va y te re th t to hi ep 2.14% 0.53% 0.82 7.49 1.43% 26.89% 6.52% 5.40% 17,862.83 SeaBank 2010 1.88% 0.59% 0.90 7.74 1.50% 113.09% 11.75% 6.42% 19,172.96 SeaBank 2011 2.14% 0.32% 0.95 8.00 1.14% -4.25% 18.13% 6.24% 20,695.50 SeaBank 2012 2.75% 0.62% 0.93 7.88 0.12% -15.00% 6.81% 5.25% 20,876.14 2013 2.98% 0.63% 0.93 7.90 0.07% 25.36% 6.04% 5.42% 21,009.38 2.84% 0.62% 0.93 7.90 0.19% 53.22% 1.84% 5.98% 21,206.67 2.86% 0.43% 0.93 7.93 0.11% 33.49% 0.60% 6.68% 21,967.33 0.53% 0.94 8.01 0.11% 37.81% 4.74% 6.21% 22,379.67 0,48% 0.95 8,10 0,11% 19,56% 3,53% 6,81% 22,717.29 0.10% 0.63 6.31 1.52% 101.76% 12.60% 7.13% 16,077.58 2009 n ng SeaBank w n lo SeaBank ad SeaBank 2014 2016 SeaBank 2017 1,83% VIETCAP 2007 0.04% VIETCAP 2008 0.44% 0.10% 0.69 6.52 3.16% 23.30% 19.89% 5.66% 16,538.79 VIETCAP 2009 1.24% 0.54% 0.07 6.52 0.15% 78.60% 6.52% 5.40% 17,862.83 VIETCAP 2010 3.48% 0.45% 0.75 6.92 1.64% 58.23% 11.75% 6.42% 19,172.96 VIETCAP 2011 4.07% 0.28% 0.81 7.23 0.69% 19.59% 18.13% 6.24% 20,695.50 VIETCAP 2012 2.70% 0.35% 0.84 7.32 77.66% 6.81% 5.25% 20,876.14 VIETCAP 2013 1.90% 0.54% 0.86 nh 1.59% 7.36 1.00% 28.93% 6.04% 5.42% 21,009.38 VIETCAP 2014 4.11% 0.54% 0.87 7.41 0.45% 29.46% 1.84% 5.98% 21,206.67 VIETCAP 2015 4.25% 0.42% 0.89 7.46 0.63% z 22.12% 0.60% 6.68% 21,967.33 VIETCAP 2016 4.33% 0.36% 0.84 7.52 0.18% 12.78% 4.74% 6.21% 22,379.67 VIETCAP 2017 3,94% 0,62% 0.92 7,60 0,13% 39,92% 3,53% 6,81% 22,717.29 EAB 2007 0.98% 0.23% 0.88 7.44 1.55% 123.62% 12.60% 16,077.58 EAB 2008 0.44% 0.77% 0.90 7.54 1.21% 43.19% gm 7.13% 19.89% 5.66% 16,538.79 EAB 2009 2.55% 0.81% 0.90 7.63 1.55% 34.35% 6.52% 5.40% om 17,862.83 EAB 2010 1.33% 0.80% 0.90 7.75 1.38% 11.54% 11.75% 6.42% 19,172.96 EAB 2011 1.60% 1.01% 0.91 7.82 1.18% 14.83% 18.13% 6.24% 20,695.50 EAB 2012 1.69% 1.29% 0.91 7.84 1.44% 15.11% 6.81% 5.25% 20,876.14 EAB 2013 3.95% 1.20% 0.92 7.87 0.83% 4.74% 6.04% 5.42% 21,009.38 EAB 2014 3.99% 1.09% 0.94 7.94 0.44% -2.26% 1.84% 5.98% 21,206.67 EAB 2015 3.76% 1.14% 0.96 7.96 0.03% 8.80% 0.60% 6.68% 21,967.33 1.60% yi pl ua al n va ll SeaBank ju 2015 fu y th SeaBank oi m at z k jm ht vb l.c n a Lu n va y te re th t to ng EAB 2016 4.55% 1.09% 0.93 7.99 0.22% -2.26% 4.74% 6.21% 22,379.67 hi ep EAB 2007 w MSB 22,717.29 2017 7.24 0.93% 126.02% 12.60% 7.13% 16,077.58 2.08% 0.26% 0.94 7.51 0.98% 71.72% 19.89% 5.66% 16,538.79 2.78% 0.27% 0.94 7.81 0.97% 112.95% 6.52% 5.40% 17,862.83 2008 MSB 2009 MSB 2010 3.42% 0.27% 0.95 8.06 1.21% 33.34% 11.75% 6.42% 19,172.96 MSB 2011 2.65% 0.32% 0.92 8.06 1.00% 18.61% 18.13% 6.24% 20,695.50 MSB 2012 2.42% 0.92 8.04 0.70% -23.33% 6.81% 5.25% 20,876.14 MSB 2013 2.30% 0.68% 0.91 8.03 0.21% -5.30% 6.04% 5.42% 21,009.38 MSB 2014 2.21% 0.51% 0.88 8.03 0.31% -14.23% 1.84% 5.98% 21,206.67 MSB 2015 2.02% 0.58% 0.87 8.02 0.13% 19.49% 0.60% 6.68% 21,967.33 MSB 2016 1.95% 0.49% 0.85 7.97 0.11% 25.02% 4.74% 6.21% 22,379.67 MSB 2017 1,33% 0,38% 0.88 0,15% 3,11% 3,53% 6,81% 22,717.29 KLB 2007 0.68% 0.33% 0.71 6.34 2.20% 124.50% 12.60% 7.13% 16,077.58 KLB 2008 1.22% 0.39% 0.64 6.47 2.45% 62.41% 19.89% 5.66% 16,538.79 KLB 2009 1.61% 0.39% 0.85 6.87 1.27% 122.03% 6.52% 5.40% 17,862.83 KLB 2010 1.17% 0.49% 0.74 7.10 1.22% 43.78% 11.75% 6.42% 19,172.96 KLB 2011 1.11% 0.53% 0.81 7.25 1.55% 19.91% 18.13% 6.24% 20,695.50 KLB 2012 2.77% 0.76% 0.81 7.27 2.21% 15.23% 6.81% 5.25% 20,876.14 KLB 2013 2.93% 0.59% 0.84 7.33 1.89% 25.25% 6.04% 5.42% 21,009.38 KLB 2014 2.47% 0.59% 0.85 7.36 1.47% 11.53% 1.84% 5.98% 21,206.67 KLB 2015 1.95% 0.54% 0.87 7.40 0.76% 19.90% 0.60% 6.68% 21,967.33 KLB 2016 1.13% 0.56% 0.89 7.48 0.65% 21.88% 4.74% 6.21% KLB 2017 1,06% 0,59% 0.90 7,57 0,40% 24,89% 3,53% 6,81% 22,717.29 TECHCOM 2007 0.66% 0.00% 0.91 7.60 1.48% 135.58% 12.60% 7.13% 16,077.58 TECHCOM 2008 1.41% 0.55% 0.92 7.97 1.29% 105.47% 19.89% 5.66% 16,538.79 TECHCOM 2009 1.65% 0.41% 0.94 8.18 1.84% 25.74% 6.52% 5.40% 17,862.83 TECHCOM 2010 2.00% 0.41% 0.94 8.18 1.38% 0.00% 11.75% 6.42% 19,172.96 lo MSB z 0.89 fu 0.20% n n 3.76% ad ju y th yi 0.68% pl ua al n va ll 8,05 oi m at nh z k jm ht vb om l.c gm 22,379.67 n a Lu n va y te re th t to hi ep 2.31% 0.49% 0.93 8.26 1.38% 19.88% 18.13% 6.24% 20,695.50 TECHCOM 2012 2.83% 0.63% 0.93 8.26 1.75% 7.58% 6.81% 5.25% 20,876.14 TECHCOM 2013 2.70% 0.75% 0.91 8.20 0.43% 1.21% 6.04% 5.42% 21,009.38 2014 3.71% 0.55% 0.91 8.25 0.41% 14.85% 1.84% 5.98% 21,206.67 2015 2.41% 0.61% 0.91 8.28 0.62% 41.38% 0.60% 6.68% 21,967.33 1.66% 0.64% 0.92 8.37 0.80% 27.13% 4.74% 6.21% 22,379.67 1,58% 0,70% 0.90 8,43 1,34% 12,78% 3,53% 6,81% 22,717.29 0.15% 0.87 6.72 1.01% 31.80% 12.60% 7.13% 16,077.58 0.34% 0.78 6.77 1.43% 38.94% 19.89% 5.66% 16,538.79 0.23% 0.88 7.04 0.16% 33.69% 6.52% 5.40% 17,862.83 2011 n ng TECHCOM w TECHCOM n lo TECHCOM ad TECHCOM 2016 2007 NAMA 2008 1.76% NAMA 2009 1.94% NAMA 2010 2.04% 0.37% 0.85 7.16 0.51% 5.77% 11.75% 6.42% 19,172.96 NAMA 2011 2.18% 0.28% 0.83 7.28 0.96% 17.79% 18.13% 6.24% 20,695.50 NAMA 2012 2.84% 0.43% 0.80 7.20 1.26% 9.65% 6.81% 5.25% 20,876.14 NAMA 2013 2.48% 0.27% 0.89 7.46 1.13% 68.95% 6.04% 5.42% 21,009.38 NAMA 2014 1.48% 0.40% 0.91 7.57 37.09% 1.84% 5.98% 21,206.67 NAMA 2015 1.47% 0.55% 0.90 nh 0.47% 7.55 0.50% 31.55% 0.60% 6.68% 21,967.33 NAMA 2016 0.91% 0.91% 0.92 7.63 0.55% 15.21% 4.74% 6.21% 22,379.67 NAMA 2017 2,94% 1,55% 0.93 7,74 0,07% 51,19% 3,53% 6,81% 22,717.29 OCB 2007 0.35% 0.36% 0.86 7.07 1.61% 12.60% 7.13% 16,077.58 OCB 2008 1.39% 0.69% 0.84 7.00 1.43% 13.76% 19.89% 5.66% 16,538.79 OCB 2009 2.87% 0.84% 0.82 7.10 0.64% 18.84% 6.52% 5.40% 17,862.83 OCB 2010 2.64% 0.53% 0.84 7.29 1.63% 13.39% 11.75% 6.42% 19,172.96 OCB 2011 2.05% 0.69% 0.85 7.41 1.55% 19.52% 18.13% 6.24% om 20,695.50 OCB 2012 2.25% 1.14% 0.86 7.44 1.19% 24.51% 6.81% 5.25% 20,876.14 OCB 2013 2.80% 0.63% 0.88 7.52 0.84% 17.06% 6.04% 5.42% 21,009.38 OCB 2014 2.90% 0.78% 0.90 7.59 0.74% 6.37% 1.84% 5.98% 21,206.67 OCB 2015 3.00% 0.49% 0.91 7.69 0.56% 29.03% 0.60% 6.68% 21,967.33 OCB 2016 1.90% 0.52% 0.93 7.80 0.42% 39.04% 4.74% 6.21% 22,379.67 OCB 2017 1,51% 0,48% 0.93 7,93 0,61% 25,13% 3,53% 6,81% 22,717.29 yi 0.17% pl ua al n va ll NAMA ju 2017 fu y th TECHCOM oi m at z z ht vb k jm 62.16% l.c gm n a Lu n va y te re th t to 0.77% 0.62% 0.86 7.01 1.91% 51.76% 12.60% 7.13% 16,077.58 2008 0.42% 0.64% 0.87 7.05 1.67% 7.51% 19.89% 5.66% 16,538.79 0.69% 1.02% 0.84 7.08 1.44% 22.81% 6.52% 5.40% 17,862.83 1.78% 0.87% 0.79 7.23 1.74% 7.55% 11.75% 6.42% 19,172.96 1.91% 1.54% 0.78 7.19 4.73% 6.95% 18.13% 6.24% 20,695.50 4.75% 0.74% 0.76 7.17 1.98% -2.88% 6.81% 5.25% 20,876.14 0.69% 0.76 7.17 2.00% -1.76% 6.04% 5.42% 21,009.38 0.59% 0.78 7.20 1.18% 5.27% 1.84% 5.98% 21,206.67 0.81 7.25 1.14% 3.38% 0.60% 6.68% 21,967.33 0.82 7.28 0.24% 7.94% 4.74% 6.21% 22,379.67 0.84 7,33 0,73% 12,54% 3,53% 6,81% 22,717.29 7.26 1.12% 164.10% 12.60% 7.13% 16,077.58 1.25% -2.88% 19.89% 5.66% 16,538.79 0.77% 22.54% 6.52% 5.40% 17,862.83 60.14% 11.75% 6.42% 19,172.96 hi 2007 ep ng SGB SGB 2009 w 2010 n SGB SGB 2012 SGB 2013 2.93% SGB 2014 2.24% SGB 2015 2.08% 0.52% SGB 2016 1.88% 0.54% SGB 2017 2,63% 0,55% VPB 2007 0.58% 0.23% 0.88 VPB 2008 0.49% 0.87% 0.87 VPB 2009 3.40% 0.47% 0.91 7.44 VPB 2010 1.63% 0.38% 0.91 7.78 1.07% VPB 2011 1.20% 0.38% 0.93 7.92 0.84% 15.24% 18.13% 6.24% 20,695.50 VPB 2012 1.82% 0.37% 0.94 8.01 0.97% 6.81% 5.25% 20,876.14 VPB 2013 2.72% 0.50% 0.94 8.08 0.63% 42.19% 5.42% 21,009.38 VPB 2014 2.81% 0.69% 0.94 8.21 0.84% 49.37% 1.84% 5.98% 21,206.67 VPB 2015 2.54% 0.90% 0.93 8.29 0.77% 49.03% 0.60% 6.68% 21,967.33 VPB 2016 2.69% 0.91% 0.92 8.36 1.24% 23.86% 4.74% 6.21% VPB 2017 2,91% 1,13% 0.89 8,44 1,72% 26,26% 3,53% gm 22,379.67 6,81% 22,717.29 TPB 2009 0.12% 0.20% 0.85 7.03 2.79% 1059.5% 6.52% 5.40% TPB 2010 0.15% 0.33% 0.85 7.32 0.34% 63.65% 11.75% 6.42% 19,172.96 TPB 2011 0.52% 0.24% 0.93 7.40 0.25% -29.86% 18.13% 6.24% 20,695.50 TPB 2012 0.67% 0.61% 0.78 7.18 -5.51% 66.00% 6.81% 5.25% 20,876.14 TPB 2013 3.66% 0.36% 0.88 7.51 0.77% 96.05% 6.04% 5.42% 21,009.38 TPB 2014 1.97% 0.39% 0.92 7.71 1.19% 66.35% 1.84% 5.98% 21,206.67 TPB 2015 1.01% 0.34% 0.94 7.88 1.04% 42.35% 0.60% 6.68% 21,967.33 ju y th yi pl n ua al n va fu ll 7.27 oi m at nh z 26.45% vb 6.04% k jm ht om l.c SGB ad 2011 z lo SGB 17,862.83 n a Lu n va y te re th t to 0.66% 0.39% 0.95 8.02 0.74% 65.16% 4.74% 6.21% 22,379.67 TPB 2017 0,71% 0,54% 0.95 8,09 0,53% 35,97% 3,53% 6,81% 22,717.29 2007 0.09% 0.08% 0.88 6.67 1.06% 139.16% 12.60% 7.13% 16,077.58 2008 1.10% 0.29% 0.83 6.79 0.87% 23.35% 19.89% 5.66% 16,538.79 2009 1.40% 0.45% 0.90 7.02 1.06% 164.96% 6.52% 5.40% 17,862.83 PGB 2010 1.23% 0.64% 0.87 7.21 1.68% 73.71% 11.75% 6.42% 19,172.96 PGB 2011 1.42% 1.05% 0.85 7.25 1.34% 11.26% 18.13% 6.24% 20,695.50 PGB 2012 1.65% 0.83 7.28 2.54% 13.83% 6.81% 5.25% 20,876.14 PGB 2013 8.44% 0.75% 0.87 7.40 1.25% 0.58% 6.04% 5.42% 21,009.38 PGB 2014 2.98% 0.67% 0.87 7.41 0.15% 4.62% 1.84% 5.98% 21,206.67 PGB 2015 2.48% 0.72% n 0.86 7.39 0.51% 9.48% 0.60% 6.68% 21,967.33 PGB 2016 2.75% 0.71% 0.86 7.39 0.17% 10.40% 4.74% 6.21% 22,379.67 PGB 2017 2,47% 0,78% fu 7,47 0,49% 22,17% 3,53% 6,81% 22,717.29 HDB 2007 0.29% 0.26% 0.95 7.14 1.69% 232.86% 12.60% 7.13% 16,077.58 HDB 2008 0.31% 0.42% 0.83 6.98 nh 0.88% -30.71% 19.89% 5.66% 16,538.79 HDB 2009 1.93% 0.33% 0.91 7.28 0.63% 33.28% 6.52% 5.40% 17,862.83 HDB 2010 1.10% 0.25% 0.93 7.54 1.02% z 42.49% 11.75% 6.42% 19,172.96 HDB 2011 0.83% 0.31% 0.92 7.65 0.78% 18.07% 18.13% 6.24% 20,695.50 HDB 2012 2.11% 0.37% 0.90 7.72 0.95% 52.72% jm 6.81% 5.25% 20,876.14 HDB 2013 2.35% 0.81% 0.90 7.94 0.62% 108.20% 6.04% 5.42% 21,009.38 HDB 2014 3.53% 0.49% 0.91 8.00 0.25% -4.63% 1.84% 5.98% 21,206.67 HDB 2015 2.27% 0.66% 0.91 8.03 0.48% 34.69% 0.60% 6.68% 21,967.33 HDB 2016 1.05% 0.61% 0.93 8.18 0.59% 45.38% 4.74% om 22,379.67 HDB 2017 1,46% 0,61% 0.92 8,28 0,61% 27,09% 3,53% 6,81% VIB 2007 1.50% 0.34% 0.94 7.59 0.88% 82.20% 12.60% 7.13% VIB 2008 1.24% 0.54% 0.93 7.54 0.79% 18.10% 19.89% 5.66% 16,538.79 VIB 2009 1.84% 0.44% 0.95 7.75 0.49% 38.33% 6.52% 5.40% 17,862.83 VIB 2010 1.28% 0.50% 0.93 7.97 0.82% 52.56% 11.75% 6.42% 19,172.96 hi 2016 yi ng TPB ep w PGB n ad PGB lo PGB ju y th 2.06% pl ua al n va ll 0.88 oi m at z ht vb k l.c gm 6.21% a Lu 22,717.29 n n va 16,077.58 y te re th t to 2.25% 0.71% 0.92 7.99 0.84% 4.23% 18.13% 6.24% 20,695.50 VIB 2012 2.51% 1.06% 0.87 7.81 0.66% -17.53% 6.81% 5.25% 20,876.14 VIB 2013 2.62% 1.20% 0.90 7.89 0.80% 4.69% 6.04% 5.42% 21,009.38 2014 2.82% 1.10% 0.89 7.91 0.07% 1.67% 1.84% 5.98% 21,206.67 2.51% 0.89% 0.90 7.93 0.65% 25.14% 0.60% 6.68% 21,967.33 0.97% 0.92 8.02 0.62% 25.96% 4.74% 6.21% 22,379.67 0,77% 0.93 8,09 0,54% 32,71% 3,53% 6,81% 22,717.29 0.90 7.41 1.00% 137.34% 12.60% 7.13% 16,077.58 0.93 7.59 1.00% 19.51% 19.89% 5.66% 16,538.79 0.92 7.74 1.20% 34.51% 6.52% 5.40% 17,862.83 hi 2011 ep ng VIB w VIB 2016 VIB 2017 2,58% SCB 2007 0.31% SCB 2008 0.34% 0.46% SCB 2009 0.57% 0.63% SCB 2010 1.28% 1.28% 0.92 7.78 0.58% 5.96% 11.75% 6.42% 19,172.96 SCB 2011 11.40% 1.14% 0.92 8.16 0.46% 99.14% 18.13% 6.24% 20,695.50 SCB 2012 8.75% 0.66% 0.92 8.17 fu 0.19% 33.43% 6.81% 5.25% 20,876.14 SCB 2013 6.10% 0.36% 0.93 8.26 0.04% 0.96% 6.04% 5.42% 21,009.38 SCB 2014 1.63% 0.30% 0.95 8.38 0.02% 50.56% 1.84% 5.98% 21,206.67 SCB 2015 0.49% 0.40% 0.98 8.49 0.04% 27.21% 0.60% 6.68% 21,967.33 SCB 2016 0.34% 0.58% 0.96 8.56 0.03% 30.34% z 4.74% 6.21% 22,379.67 SCB 2017 0,68% 0,53% 0.97 8,65 0,02% 19,95% 3,53% 6,81% 22,717.29 ad 2.07% ju y th yi 0.31% pl ua al n va ll VIB lo 2015 n n VIB oi m at nh z k jm ht vb om l.c gm n a Lu n va y te re th