BỘ GIÁO DỤC VÀ ĐÀO TẠO TRƯỜNG ĐẠI HỌC KINH TẾ TP HỒ CHÍ MINH LÊ PHƯƠNG DUNG CÁC YẾU TỐ ẢNH HƯỞNG ĐẾN RỦI RO TÍN DỤNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM LUẬN VĂN THẠC SĨ KINH TẾ TP Hồ Chí Minh - Năm 2019 123doc BỘ GIÁO DỤC VÀ ĐÀO TẠO TRƯỜNG ĐẠI HỌC KINH TẾ TP HỒ CHÍ MINH LÊ PHƯƠNG DUNG CÁC YẾU TỐ ẢNH HƯỞNG ĐẾN RỦI RO TÍN DỤNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM Chuyên ngành: Tài Chính – Ngân Hàng Mã số: 8340201 LUẬN VĂN THẠC SĨ KINH TẾ NGƯỜI HƯỚNG DẪN KHOA HỌC: TS PHẠM TỐ NGA TP Hồ Chí Minh - Năm 2019 123doc LỜI CAM ĐOAN Tôi xin cam đoan luận văn cơng trình nghiên cứu riêng tơi, chưa cơng bố nơi Mọi số liệu sử dụng luận văn thông tin xác thực Tôi xin chịu trách nhiệm lời cam đoan TP Hồ Chí Minh, ngày 26 tháng 08 năm 2019 Tác giả luận văn Lê Phương Dung 123doc MỤC LỤC Trang phụ bìa Lời cam đoan Mục lục Danh mục ký hiệu, chữ viết tắt Danh mục bảng, biểu Tóm tắt Abstract CHƯƠNG 1: GIỚI THIỆU 1.1 Lý thực đề tài 1.2 Mục tiêu nghiên cứu 1.2.1 Mục tiêu tổng quát 1.2.2 Mục tiêu cụ thể 1.3 Câu hỏi nghiên cứu: 1.4 Đối tượng phạm vi nghiên cứu 1.4.1 Đối tượng nghiên cứu 1.4.2 Phạm vi nghiên cứu 1.5 Phương pháp nghiên cứu 1.6 Ý nghĩa đề tài nghiên cứu 1.7 Kết cấu đề tài: CHƯƠNG 2: HỆ THỐNG NGÂN HÀNG THƯƠNG MẠI VIỆT NAM VÀ VẤN ĐỀ RỦI RO TÍN DỤNG 2.1 Giới thiệu ngân hàng thương mại Việt Nam 2.1.1 Số lượng ngân hàng 2.1.2 Quy mô tài sản 2.1.3 Hoạt động huy động vốn 2.1.4 Hoạt động tín dụng 2.1.5 Quy mô lợi nhuận sau thuế 12 123doc 2.2 Các vấn đề cần quan tâm hệ thống ngân hàng thương mại Việt Nam 13 2.2.1 Rủi ro tín dụng 13 2.2.2 Xử lý nợ xấu 14 2.2.3 Quản trị điều hành 15 2.3 Lựa chọn vấn đề rủi ro tín dụng NHTM Việt Nam 16 2.3.1 Vấn đề rủi ro tín dụng ngân hàng thương mại Việt Nam 16 2.3.1.1 Tỷ lệ nợ xấu 16 2.3.1.2 Tỷ lệ dự phòng rủi ro tín dụng 19 2.3.1.3 Nợ xấu hiệu hoạt động kinh doanh 20 2.3.2 Lựa chọn vấn đề rủi ro tín dụng NHTM Việt Nam 21 CHƯƠNG 3: CƠ SỞ LÝ THUYẾT VÀ PHƯƠNG PHÁP NGHIÊN CỨU 25 3.1 Cơ sở lý thuyết 25 3.1.1 Khái quát rủi ro tín dụng ngân hàng 25 3.1.1.1 Khái niệm rủi ro tín dụng 25 3.1.1.2 Phân loại rủi ro tín dụng 25 3.1.1.3 Nguyên nhân gây rủi ro tín dụng 27 3.1.1.4 Tác động rủi ro tín dụng 30 3.1.2 Tiêu chí đo lường rủi ro tín dụng Ngân hàng thương mại 31 3.1.3 Các yếu tố ảnh hưởng đến rủi ro tín dụng 34 3.1.4 Lược khảo nghiên cứu trước 37 3.1.4.1 Các nghiên cứu liên quan đến nhóm yếu tố nội ngân hàng ảnh hưởng đến rủi ro tín dụng ngân hàng 37 3.1.4.2 Các nghiên cứu liên quan đến nhóm yếu tố kinh tế vĩ mơ ảnh hưởng đến rủi ro tín dụng ngân hàng 39 3.1.4.3 Các nghiên cứu liên quan đến rủi ro tín dụng chịu ảnh hưởng yếu tố nội ngân hàng yếu tố kinh tế vĩ mô 40 3.2 Phương pháp nghiên cứu 41 3.2.1 Dữ liệu nghiên cứu 41 123doc 3.2.2 Phương pháp nghiên cứu 43 CHƯƠNG 4: PHÂN TÍCH CÁC YẾU TỐ ẢNH HƯỞNG ĐẾN RỦI RO TÍN DỤNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM 46 4.1 Thực trạng rủi ro tín dụng 46 4.2 Phân tích yếu tố ảnh hưởng đến rủi ro tín dụng NHTM Việt Nam 50 CHƯƠNG 5: KẾT LUẬN VÀ GỢI Ý GIẢI PHÁP HẠN CHẾ RỦI RO TÍN DỤNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM 58 5.1 Kết luận 58 5.2 Gợi ý giải pháp 60 Kết luận Tài liệu tham khảo Phụ lục Phụ lục Phụ lục 123doc C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an DANH MỤC CÁC KÝ HIỆU, CÁC CHỮ VIẾT TẮT DP RRTD: Dự phịng rủi ro tín dụng EFF: Ký hiệu hiệu chi phí hoạt động EXR Ký hiệu tỷ giá hối đoái INF: Ký hiệu tỷ lệ lạm phát INR: Ký hiệu lãi suất danh nghĩa LG: Ký hiệu tăng trưởng tín dụng LLP: Ký hiệu dự phịng rủi ro tín dụng NFSC Uỷ ban giám sát tài quốc gia NHNN: Ngân hàng Nhà Nước 10 NHTM: Ngân hàng thương mại 11 NII: Ký hiệu thu nhập lãi 12 NPL: Ký hiệu nợ xấu (đại diện cho rủi ro tín dụng) 13 RRTD: Rủi ro tín dụng 14 SIZE: Ký hiệu quy mơ ngân hàng (tổng tài sản) 15 TCTD: Tổ chức tín dụng 16 UNR: Ký hiệu tỷ lệ thất nghiệp 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an DANH MỤC CÁC BẢNG, BIỂU Bảng 2.1: Số lượng NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.1: Tổng tài sản NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.2: Tăng trưởng nguồn vốn huy động NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.3: Tăng trưởng tín dụng NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.4: Quy mô lợi nhuận sau thuế NHTM Việt Nam giai đoạn 2007– 2018 Biểu 2.5: Tỷ lệ nợ xấu NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.6: Cơ cấu nợ xấu theo ngành NHTM Việt Nam năm 2012 Biểu 2.7: Tỷ lệ dự phịng rủi ro tín dụng NHTM Việt Nam giai đoạn 2007–2018 Biểu 2.8: Tỷ lệ nợ xấu hiệu hoạt động kinh doanh NHTM Việt Nam giai đoạn 2007–2018 Bảng 3.1: Bảng tổng kết yếu tố ảnh hưởng đến rủi ro tín dụng Bảng 4.1: Nợ xấu NHTM Việt Nam năm 2007 - 2012 Bảng 4.2: Nợ xấu NHTM Việt Nam năm 2013 – 2018 Bảng 4.3: Bảng thống kê mô tả biến Bảng 4.4: Bảng ma trận hệ số tương quan Bảng 4.5: Bảng hệ số VIF sau bỏ biến INR, ETA Bảng 4.6: Bảng tổng kết kết hồi quy 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an TÓM TẮT Tiêu đề: Các yếu tố ảnh hưởng đến rủi ro tín dụng NHTM Việt Nam Tóm tắt Ngân hàng đóng vai trị quan trọng kinh tế Tín dụng hoạt động chủ yếu ngân hàng Việc nhận biết yếu tố ảnh hưởng đến rủi ro tín dụng hiểu rõ tác động yếu tố đến rủi ro tín dụng cần thiết Đề tài nghiên cứu yếu tố ảnh hưởng đến rủi ro tín dụng Ngân hàng thương mại Việt Nam mức độ ảnh hưởng yếu tố 12 năm từ 2007 - 2018 Đã có số nghiên cứu trước vấn đề yếu tố ảnh hưởng đến rủi ro tín dụng NHTM Việt Nam tìm thấy rủi ro tín dụng chịu ảnh hưởng yếu tố kinh tế vĩ mô yếu tố nội ngân hàng Tác giả kỳ vọng xác định đầy đủ yếu tố có ảnh hưởng đến rủi ro tín dụng NHTM Việt Nam Đề tài sử dụng phương pháp định lượng: hồi quy mơ hình theo phương pháp GMM kết hợp phương pháp phân tích để nghiên cứu vấn đề Dữ liệu nghiên cứu truy suất từ Bankscope, từ báo cáo thống kê NHNN từ báo cáo tài kiểm toán 25 NHTM Việt Nam từ năm 2007 đến năm 2018 công bố hàng năm Dựa kết nghiên cứu tìm thấy, tác giả đưa kết luận gợi ý số giải pháp hạn chế rủi ro tín dụng NHTM Việt Nam Từ khóa: Rủi ro tín dụng, nợ xấu, yếu tố vĩ mô, yếu tố nội ngân hàng 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an ABSTRACT Title Affecting factors of credit risk at Vietnamese commercial banks Abstract Banks play an important role in the economy Credit is a major activity of the bank Identifying factors that affect credit risk and understanding the impact of these factors on credit risk is necessary The study investigates the factors affecting credit risk at Vietnamese commercial banks and the impact of these factors in the 12 years from 2007 to 2018 There have been some previous studies on factors affecting credit risk in Vietnamese commercial banks and found credit risks affected by both macroeconomic and internal factors The author expects to more fully identify the factors affecting credit risk in Vietnamese commercial banks The topic uses quantitative methods: GMM model regression combines analytical methods to study the problem Research data is accessed from the Bankscope, from the State Bank's statistical report and from the audited financial statements of 25 Vietnamese commercial banks from 2007 to 2018 published annually Based on the research findings, the author gives conclusions and suggestions for some solutions to limit credit risks in Vietnamese commercial banks Keywords: Credit risk, bad debt, macro factors, internal factors of banks 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an PHỤ LỤC 3: BẢNG TỔNG HỢP DỮ LIỆU NGHIÊN CỨU (BIẾN KINH TẾ VĨ MÔ) t 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 n BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK INF 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 GGDP 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 INR 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 EXR 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 n VIETCOMBANK SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK INF 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 GGDP 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 INR 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 EXR 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 n ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK TECHCOMBANK INF 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 GGDP 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 INR 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 EXR 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 n TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK EXIMBANK EXIMBANK INF 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 GGDP 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 INR 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 EXR 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 n EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK INF 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 GGDP 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 INR 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 EXR 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 n MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK OCB OCB OCB OCB OCB OCB OCB OCB OCB OCB OCB OCB ABBANK ABBANK ABBANK ABBANK INF 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 GGDP 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 INR 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 EXR 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 n ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK INF 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 GGDP 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 INR 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 EXR 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 n NAM A BANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK KIENLONGBANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK VIETCAPITAL BANK PGBANK PGBANK PGBANK PGBANK PGBANK PGBANK INF 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 0.08303 0.23120 0.07050 0.08860 0.18680 0.09090 GGDP 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 0.07129 0.05661 0.05397 0.06423 0.06240 0.05247 INR 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 0.09717 0.17499 0.10682 0.09808 0.15123 0.11389 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 0.04640 0.02380 0.01737 0.01114 0.00999 0.01027 EXR 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 20,933 21,148 21,698 21,935 22,370 22,825 16,105 16,302 17,065 18,613 20,510 20,828 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an t 2013 2014 2015 2016 2017 2018 n PGBANK PGBANK PGBANK PGBANK PGBANK PGBANK INF 0.06590 0.04710 0.00880 0.03240 0.03520 3.53943 GGDP 0.05422 0.05983 0.06679 0.06210 0.06812 0.07578 INR 0.11240 0.09049 0.08043 0.09028 0.06704 7.54695 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn UNR 0.01252 0.01256 0.01859 0.01851 0.01886 0.02000 EXR 20,933 21,148 21,698 21,935 22,370 22,825 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an PHỤ LỤC 3: BẢNG TỔNG HỢP DỮ LIỆU NGHIÊN CỨU (BIẾN NỘI TẠI NGÂN HÀNG) t 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 n BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV BIDV VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETINBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK VIETCOMBANK SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB SCB Sacombank NPL 0.03658 0.02790 0.02509 0.03050 0.03555 0.03842 0.03073 0.02233 0.02010 0.01844 0.01610 0.01800 0.01020 0.01811 0.01320 0.01427 0.01880 0.01460 0.00997 0.01112 0.00920 0.01022 0.01130 0.01593 0.03293 0.04612 0.02406 0.02796 0.02006 0.02389 0.02716 0.02305 0.01845 0.01507 0.01110 0.00987 0.00338 0.00575 0.01280 0.11402 0.07250 0.07230 0.01632 0.00495 0.01880 0.00676 0.00447 0.00419 0.00237 LLP 0.01420 0.01668 0.01769 0.01407 0.01409 0.01176 0.01099 0.01010 0.00841 0.00944 0.00891 0.00899 0.01028 0.01111 0.00633 0.00750 0.00650 0.00724 0.00568 0.00653 0.00577 0.00711 0.00743 0.01105 0.01065 0.01880 0.01810 0.01833 0.01431 0.01307 0.01395 0.01221 0.01273 0.01026 0.00780 0.00955 0.00308 0.00460 0.00626 0.01277 0.01140 0.00663 0.00361 0.00301 0.00397 0.00585 0.00530 0.00535 0.00279 EFF 0.30532 0.41461 0.44564 0.47535 0.43521 0.40354 0.38052 0.38795 0.44234 0.43703 0.36752 0.35186 0.41603 0.57023 0.59758 0.48754 0.41236 0.42593 0.43761 0.46514 0.46408 0.48417 0.46926 0.48646 0.28243 0.28997 0.39754 0.39338 0.37181 0.39871 0.40384 0.39708 0.39114 0.40339 0.40369 0.34232 0.39878 0.38024 0.42684 0.38680 0.33238 0.71052 0.70726 0.54095 0.50649 0.56932 0.74023 0.60927 0.30385 LEV 0.94144 0.94537 0.94188 0.94324 0.94134 0.94542 0.94189 0.94924 0.95252 0.95800 0.96216 0.96115 0.93591 0.93628 0.94896 0.95151 0.94023 0.93488 0.90752 0.91797 0.92933 0.93744 0.94332 0.94357 0.89409 0.93682 0.93569 0.93541 0.92369 0.90107 0.91874 0.92590 0.93423 0.94019 0.95032 0.94326 0.89858 0.92722 0.91776 0.92183 0.92173 0.92380 0.92756 0.94557 0.95099 0.95773 0.96547 0.96786 0.88668 ETA 0.05689 0.05463 0.05812 0.06508 0.05866 0.05458 0.05811 0.05076 0.04748 0.04200 0.03784 0.03885 0.06409 0.06372 0.05104 0.04849 0.05979 0.06512 0.09248 0.08203 0.07067 0.06256 0.05668 0.05643 0.07398 0.06209 0.06264 0.06459 0.07631 0.09893 0.08987 0.07410 0.06577 0.05981 0.04968 0.05674 0.10142 0.07278 0.08224 0.07817 0.07827 0.07620 0.07244 0.05443 0.04901 0.04227 0.03453 0.03214 0.11332 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn NII 0.37825 0.25472 0.29724 0.20041 0.18662 0.19889 0.26203 0.22101 0.20892 0.22315 0.21324 0.20354 0.29559 0.17308 0.16045 0.17990 0.09395 0.17327 0.14972 0.16474 0.17212 0.15076 0.15583 0.20382 0.28864 0.18976 0.26948 0.29223 0.18755 0.27751 0.30691 0.30152 0.26648 0.25459 0.25092 0.27494 0.35602 0.16823 0.21922 0.69979 0.09704 0.03471 0.22323 0.35024 0.07470 0.22059 0.54157 0.53111 0.47394 SIZE 19.14 19.32 19.50 19.70 19.82 20.00 20.12 20.29 20.56 20.72 20.88 20.97 18.93 19.08 19.31 19.72 19.95 20.04 20.17 20.31 20.47 20.67 20.81 20.87 19.10 19.22 19.36 19.54 19.73 19.84 19.96 20.17 20.33 20.48 20.76 20.79 17.07 17.47 17.81 17.91 18.79 18.82 19.01 19.31 19.56 19.70 19.91 20.05 17.07 ROE 0.13162 0.14699 0.16021 0.15587 0.12860 0.11225 0.12002 0.14522 0.15182 0.14504 0.14855 0.14446 0.10796 0.14627 0.19338 0.18296 0.21135 0.19102 0.11016 0.10439 0.10409 0.11323 0.10892 0.07970 0.16487 0.19782 0.21534 0.21428 0.16018 0.10408 0.10228 0.10422 0.11768 0.14065 0.17253 0.23779 0.09834 0.16513 0.07023 0.05831 0.03543 0.00561 0.00318 0.00696 0.00531 0.00440 0.00682 0.00948 0.17828 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank Sacombank MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK MBBANK ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB ACB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB SHB VPBANK VPBANK VPBANK VPBANK VPBANK 0.00618 0.00692 0.00158 0.00563 0.02074 0.01477 0.01194 0.05930 0.06819 0.06680 0.01999 0.03729 0.01915 0.01723 0.01340 0.01602 0.01840 0.02432 0.02730 0.01620 0.01335 0.01210 0.01225 0.00083 0.00886 0.00408 0.00336 0.00857 0.02481 0.03018 0.02175 0.01291 0.00869 0.00710 0.00720 0.00503 0.01886 0.02792 0.01399 0.02234 0.08817 0.04057 0.02023 0.01721 0.01880 0.02331 0.02401 0.00482 0.03407 0.01630 0.01201 0.01779 0.00370 0.00520 0.00523 0.00557 0.00958 0.00829 0.00692 0.00746 0.00708 0.00699 0.00762 0.00485 0.00557 0.00687 0.00694 0.00772 0.00773 0.00969 0.01333 0.00896 0.00758 0.00688 0.00874 0.00157 0.00217 0.00300 0.00350 0.00351 0.00858 0.01148 0.01256 0.00851 0.00760 0.00615 0.00737 0.00065 0.00176 0.00463 0.00534 0.00500 0.01100 0.00830 0.00623 0.00697 0.00705 0.00945 0.00866 0.00200 0.00439 0.00474 0.00328 0.00379 0.53589 0.45203 0.47491 0.50637 0.60615 0.58245 0.55274 0.62683 0.87632 0.73162 0.69228 0.34226 0.33908 0.27773 0.26521 0.33728 0.33922 0.36250 0.37444 0.38648 0.40411 0.36727 0.39140 0.26637 0.37526 0.36665 0.39347 0.40005 0.73497 0.66215 0.64570 0.64620 0.61720 0.54520 0.47416 0.28050 0.39879 0.39551 0.45728 0.51010 0.56663 0.77709 0.49007 0.52059 0.50879 0.45013 0.47237 0.48647 0.64846 0.51899 0.47150 0.52425 0.88679 0.89552 0.90386 0.89850 0.91133 0.89572 0.90564 0.92539 0.93392 0.93716 0.93987 0.88017 0.89454 0.89507 0.91566 0.92880 0.92637 0.91624 0.91800 0.89809 0.89968 0.90809 0.90863 0.92672 0.92625 0.93980 0.94453 0.95780 0.92930 0.92625 0.93258 0.93792 0.94096 0.94460 0.93708 0.82386 0.83657 0.91201 0.91803 0.91820 0.91851 0.92793 0.93823 0.94523 0.94371 0.94927 0.94980 0.87976 0.86833 0.90749 0.75682 0.90232 0.11321 0.10448 0.09614 0.10150 0.08867 0.10428 0.09436 0.07461 0.06608 0.06284 0.06013 0.11983 0.10546 0.10493 0.08434 0.07120 0.07363 0.11173 0.08200 0.10191 0.10032 0.09191 0.09137 0.07328 0.07375 0.06020 0.05547 0.04220 0.07070 0.07375 0.06742 0.06208 0.05904 0.05540 0.06292 0.17614 0.15652 0.08799 0.08197 0.08180 0.08149 0.07207 0.06177 0.05477 0.05629 0.05073 0.05020 0.12024 0.12842 0.09251 0.07249 0.07118 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn 0.55110 0.40980 0.30601 0.14833 0.07242 0.13058 0.22963 0.20762 0.39444 0.39790 0.34261 0.39938 0.13270 0.24075 0.07851 (0.01953) 0.13710 0.19555 0.18328 0.13554 0.16860 0.18941 0.20447 0.56598 0.35646 0.43253 0.25528 0.09745 (0.23900) 0.23186 0.20525 0.06603 0.08837 0.37242 0.26349 0.65898 0.66345 0.25181 0.18167 0.11715 0.34539 0.08814 0.13245 0.04655 0.16229 0.26529 0.18551 0.28921 0.05379 0.16023 0.05670 0.06068 18.03 18.41 18.77 18.76 18.83 18.89 19.06 19.49 19.61 19.71 20.05 17.20 17.61 17.99 18.46 18.72 18.97 19.00 19.11 19.20 19.34 19.54 19.68 18.26 18.47 18.94 19.14 19.45 18.98 18.93 19.01 19.12 19.27 19.46 19.61 16.33 16.49 17.13 17.75 18.08 18.57 18.78 18.94 19.14 19.27 19.47 19.59 16.71 16.74 17.13 18.06 18.23 0.12743 0.14427 0.05858 0.14294 0.07361 0.12907 0.12798 0.02476 0.00354 0.05372 0.06845 0.13877 0.14887 0.15116 0.18757 0.22252 0.17722 0.11126 0.14470 0.11076 0.11852 0.15233 0.17564 0.28125 0.28464 0.21781 0.20522 0.27142 0.05955 0.06731 0.07604 0.08095 0.09505 0.13306 0.24786 0.05825 0.08593 0.13173 0.11817 0.12670 0.17665 0.08335 0.07546 0.07092 0.06567 0.09816 0.10054 0.10396 0.05954 0.11521 0.07310 0.12411 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK VPBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK TECHCOMBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK HDBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK SAIGONBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK EXIMBANK 0.02719 0.02810 0.02538 0.02428 0.02027 0.02871 0.02724 0.00450 0.02560 0.02000 0.03464 0.02802 0.02696 0.03652 0.02354 0.01656 0.01574 0.01611 0.01763 0.00313 0.01926 0.01102 0.00832 0.02108 0.02353 0.02697 0.02121 0.01301 0.01053 0.01095 0.01080 0.00422 0.00691 0.01781 0.01913 0.04750 0.02931 0.02242 0.02080 0.01879 0.02631 0.02980 0.02201 0.00875 0.04712 0.01834 0.01420 0.01611 0.01318 0.01982 0.02461 0.01859 0.00424 0.00549 0.00713 0.00651 0.00656 0.00890 0.00881 0.00555 0.00942 0.00563 0.00407 0.00498 0.00664 0.00777 0.00550 0.00609 0.00637 0.00701 0.00747 0.00256 0.00419 0.00333 0.00247 0.00312 0.00370 0.00747 0.00414 0.00647 0.00471 0.00475 0.00483 0.00618 0.00642 0.01023 0.00868 0.01488 0.00708 0.00664 0.00565 0.00500 0.00523 0.00533 0.00532 0.00218 0.00573 0.00579 0.00479 0.00337 0.00356 0.00418 0.00635 0.00767 0.57923 0.55768 0.57286 0.48336 0.39666 0.38941 0.34357 0.35145 0.32317 0.30212 0.33646 0.35519 0.41381 0.61701 0.48604 0.41819 0.36799 0.30028 0.32451 0.30826 0.61564 0.40690 0.47552 0.47614 0.52320 0.70358 0.61409 0.57240 0.57153 0.48373 0.42704 0.29715 0.40741 0.38205 0.22710 0.34970 0.36629 0.50224 0.40415 0.53917 0.57878 0.53338 0.53191 0.34792 0.31862 0.35203 0.27988 0.30470 0.42758 0.65313 0.63586 0.60515 0.93466 0.93628 0.94523 0.93151 0.92502 0.88930 0.88866 0.91223 0.90567 0.92089 0.93753 0.93204 0.92637 0.91332 0.91673 0.91849 0.92171 0.90695 0.84530 0.94641 0.82500 0.90609 0.93144 0.92121 0.89781 0.90055 0.91038 0.90999 0.93617 0.92349 0.92671 0.85943 0.87044 0.83781 0.79028 0.75880 0.77104 0.77112 0.78787 0.81532 0.82122 0.84419 0.83632 0.81326 0.73379 0.79597 0.89698 0.91119 0.90716 0.91371 0.91287 0.89562 0.06534 0.06372 0.05477 0.06849 0.07498 0.11070 0.11134 0.09063 0.09463 0.07911 0.06247 0.06796 0.07363 0.08668 0.08327 0.08151 0.07829 0.09305 0.15470 0.05359 0.17500 0.09391 0.06856 0.07879 0.10219 0.09945 0.08962 0.09001 0.06383 0.07651 0.07329 0.14057 0.13117 0.16219 0.20972 0.24120 0.22896 0.22888 0.21213 0.18468 0.17878 0.15581 0.16368 0.18674 0.26621 0.20403 0.10302 0.08881 0.09284 0.08629 0.08713 0.10438 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn 0.05376 0.19771 0.14706 0.16171 0.23139 0.35104 0.41149 0.23666 0.44217 0.36199 0.32521 0.20974 0.14248 0.20487 0.17845 0.16400 0.27677 0.42044 0.36353 0.21859 0.46738 0.52356 0.26484 0.04985 0.44163 0.82492 0.59325 0.30820 0.25223 0.24453 0.23171 0.11554 0.27036 0.11989 0.52722 0.08534 0.08307 0.11959 0.15693 0.11635 0.14429 0.13507 0.22267 0.32655 0.30247 0.23341 0.21344 0.15180 0.08728 0.15477 0.06842 0.10572 18.45 18.61 18.88 19.01 19.12 19.27 19.43 17.49 17.90 18.34 18.83 19.00 19.00 18.87 18.99 19.07 19.27 19.41 19.58 16.44 16.07 16.77 17.35 17.62 17.78 18.27 18.40 18.44 18.77 19.01 19.15 16.14 16.23 16.29 16.64 16.58 16.55 16.54 16.61 16.73 16.79 16.90 16.86 17.33 17.69 18.00 18.69 19.03 18.95 18.95 18.90 18.65 0.10664 0.13170 0.13967 0.12926 0.19296 0.18445 0.22653 0.14283 0.20892 0.23214 0.22076 0.25663 0.07581 0.04067 0.07239 0.06682 0.14862 0.22737 0.16228 0.16331 0.03584 0.10812 0.11427 0.12022 0.06052 0.02401 0.04762 0.04431 0.07560 0.12228 0.17392 0.11911 0.10971 0.10723 0.22548 0.07790 0.08398 0.04935 0.05190 0.01272 0.03966 0.01598 0.01212 0.07362 0.05536 0.08481 0.13400 0.18723 0.13399 0.04444 0.00335 0.00340 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 EXIMBANK EXIMBANK EXIMBANK VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB VIB AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK AGRIBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK MARITIMEBANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK SEABANK OCB 0.02946 0.02268 0.01846 0.02490 0.01844 0.01276 0.01588 0.02690 0.02620 0.02775 0.02514 0.02070 0.02575 0.02488 0.02240 0.02500 0.03251 0.04145 0.05607 0.07535 0.07370 0.05899 0.03620 0.02628 0.02078 0.02054 0.01601 0.02084 0.01491 0.00629 0.01868 0.02268 0.02614 0.02707 0.05159 0.03235 0.02241 0.02181 0.02989 0.00150 0.02064 0.02472 0.02138 0.02747 0.02969 0.06296 0.02795 0.02145 0.01712 0.00843 0.01508 0.01480 0.00908 0.00703 0.00698 0.00337 0.00538 0.00441 0.00504 0.00708 0.00909 0.01269 0.01071 0.00890 0.00969 0.00766 0.00630 0.01413 0.01394 0.01322 0.02163 0.03200 0.02987 0.02583 0.02005 0.01413 0.01244 0.01099 0.01004 0.00196 0.00262 0.00295 0.00276 0.00324 0.00732 0.00893 0.00632 0.00672 0.00605 0.00377 0.00718 0.00176 0.00351 0.00526 0.00585 0.00325 0.00633 0.00633 0.00621 0.00432 0.00526 0.00483 0.00640 0.00358 0.60553 0.57670 0.65442 0.39053 0.66602 0.54522 0.47070 0.48986 0.55262 0.61687 0.48443 0.55923 0.61394 0.56856 0.43534 0.42679 0.47804 0.57177 0.54514 0.56024 0.54286 0.62837 0.56587 0.50853 0.51350 0.44750 0.44614 0.31704 0.36317 0.30947 0.35821 0.52059 0.70827 0.69092 0.59700 0.72185 0.49815 0.63844 0.62025 0.18815 0.29458 0.28091 0.31052 0.72372 0.81243 0.74540 0.71470 0.82174 0.58496 0.58085 0.57767 0.37996 0.89656 0.90542 0.90346 0.94447 0.93397 0.94800 0.93007 0.91598 0.86757 0.89064 0.89302 0.89872 0.91696 0.92910 0.92359 0.95253 0.95556 0.92841 0.91637 0.94328 0.93976 0.94576 0.94607 0.94507 0.95083 0.95339 0.95575 0.89278 0.94258 0.94437 0.94514 0.91694 0.91731 0.90851 0.90858 0.87032 0.85290 0.87830 0.90012 0.87179 0.81414 0.82085 0.89603 0.94523 0.92564 0.92833 0.92914 0.93194 0.94312 0.95094 0.94129 0.85920 0.10344 0.09458 0.09654 0.05553 0.06603 0.05200 0.06993 0.08402 0.13243 0.10936 0.10698 0.10128 0.08304 0.07090 0.07641 0.04693 0.04398 0.04058 0.05516 0.04869 0.05644 0.05218 0.05876 0.05589 0.04917 0.04661 0.04425 0.10722 0.05742 0.05563 0.05486 0.08306 0.08269 0.09149 0.09142 0.12968 0.14710 0.12170 0.09988 0.12821 0.18586 0.17915 0.10397 0.05477 0.07436 0.07170 0.07086 0.06806 0.05688 0.04906 0.05871 0.14080 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn 0.17122 0.30194 0.27843 0.28611 0.10025 0.28465 0.17240 (0.06529) 0.06984 0.18409 0.32959 0.17650 0.22716 0.15349 0.20431 0.24912 0.26096 0.32038 0.22704 0.16201 0.15372 0.19115 0.16618 0.19213 0.19636 0.20068 0.22475 0.18836 0.09540 0.22290 0.25587 0.35441 0.23271 0.28196 0.42754 0.33152 0.38856 0.57563 0.39918 0.15085 0.05325 0.26150 0.21895 (0.04445) 0.00873 0.19639 0.33650 0.02660 0.03682 0.09844 0.16202 0.10809 18.68 18.83 18.85 17.49 17.36 17.85 18.36 18.39 17.96 18.11 18.19 18.25 18.47 18.63 18.75 19.61 19.81 19.99 20.10 20.15 20.24 20.36 20.45 20.59 20.72 20.86 20.97 16.68 17.30 17.97 18.56 18.55 18.52 18.45 18.45 18.47 18.34 18.54 18.74 17.08 16.93 17.24 17.83 18.43 18.13 18.20 18.20 18.26 18.45 18.64 18.76 16.28 0.02208 0.05750 0.04310 0.14150 0.07365 0.15599 0.11705 0.08027 0.06234 0.01022 0.05674 0.05731 0.06425 0.12861 0.20814 0.10797 0.12084 0.14509 0.09028 0.12937 0.05348 0.04614 0.05637 0.05928 0.06882 0.07563 0.10664 0.09175 0.16903 0.21750 0.18287 0.08393 0.02491 0.03614 0.01223 0.00902 0.01071 0.00915 0.06264 0.08887 0.07687 0.08388 0.10955 0.02277 0.00945 0.02649 0.01529 0.01593 0.01986 0.04817 0.05962 0.10186 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2007 2008 2009 2010 2011 OCB OCB OCB OCB OCB OCB OCB OCB OCB OCB OCB ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK ABBANK NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB NCB VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK VIETABANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK NAM A BANK 0.02870 0.02640 0.02050 0.02794 0.02385 0.02912 0.03895 0.01940 0.01754 0.01794 0.02288 0.01506 0.01500 0.01459 0.01165 0.02822 0.02833 0.06742 0.03969 0.02122 0.02505 0.02770 0.01886 0.00163 0.02906 0.02452 0.02239 0.02916 0.05640 0.06067 0.02525 0.02150 0.01485 0.01533 0.02120 0.00670 0.01799 0.01312 0.02518 0.02330 0.04650 0.02880 0.02326 0.02264 0.02140 0.02675 0.01370 0.01640 0.01520 0.01710 0.02181 0.02837 0.00692 0.00844 0.00531 0.00686 0.01136 0.00626 0.00779 0.00488 0.00520 0.00479 0.00565 0.00337 0.00602 0.00537 0.00556 0.00764 0.00896 0.01131 0.00705 0.00595 0.00788 0.00897 0.00719 0.00062 0.00201 0.00510 0.00638 0.00707 0.01012 0.00719 0.00530 0.00434 0.00420 0.00500 0.00542 0.00222 0.00577 0.00772 0.00826 0.00842 0.00799 0.00714 0.00530 0.00544 0.00667 0.00509 0.00552 0.00164 0.00336 0.00235 0.00375 0.00277 0.63962 0.42108 0.40063 0.47174 0.47873 0.49623 0.52801 0.55782 0.56274 0.53091 0.37199 0.34698 0.73152 0.41944 0.44712 0.46964 0.62311 0.66360 0.66049 0.60802 0.58434 0.58374 0.57346 0.49253 0.66553 0.42562 0.52122 0.57557 0.87628 0.92744 0.91098 0.85683 0.79944 0.78701 0.81950 0.31158 0.54661 0.38740 0.41206 0.50537 0.59302 0.76362 0.72418 0.50139 0.50843 0.56511 0.47639 0.40772 0.81884 0.58811 0.50272 0.40925 0.84238 0.81627 0.84053 0.85243 0.86072 0.87910 0.89723 0.91455 0.92610 0.92725 0.91208 0.85564 0.70687 0.83070 0.87807 0.88681 0.89468 0.90095 0.91539 0.91092 0.92204 0.92825 0.92368 0.94153 0.90132 0.93761 0.89901 0.85708 0.85248 0.88985 0.91285 0.93334 0.95328 0.95528 0.95544 0.85981 0.85983 0.89158 0.85901 0.84115 0.85640 0.86725 0.89784 0.90641 0.93464 0.93611 0.94084 0.87281 0.78116 0.87780 0.85010 0.82664 0.15762 0.18373 0.15947 0.14757 0.13928 0.12090 0.10277 0.08545 0.07390 0.07275 0.08792 0.14436 0.29313 0.16930 0.12193 0.11319 0.10532 0.09905 0.08461 0.08908 0.07796 0.07175 0.07632 0.05847 0.09868 0.06239 0.10099 0.14292 0.14752 0.11015 0.08715 0.06666 0.04730 0.04472 0.04456 0.14019 0.14017 0.10842 0.14099 0.15885 0.14356 0.13275 0.10216 0.09359 0.06536 0.06389 0.05916 0.12719 0.21884 0.12220 0.14990 0.17336 123doc Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn 0.19689 0.11559 0.10481 0.00630 (0.11125) (0.02282) 0.13042 0.06796 0.10701 0.11627 0.31432 0.23054 0.19592 0.17721 0.10542 0.00019 0.05062 0.17026 0.11531 0.15622 0.19709 0.19833 0.30018 0.64646 0.21559 0.39264 0.07276 (0.07920) 0.01410 0.10571 0.09496 0.00693 0.09601 0.10922 0.21034 0.43778 0.30097 0.36516 0.27629 0.24157 0.40926 (0.03863) 0.16932 (0.25940) 0.12673 (0.15723) 0.04865 0.23497 0.29985 0.07933 0.22761 0.36601 16.13 16.36 16.80 17.05 17.13 17.31 17.48 17.72 17.97 18.25 18.42 16.66 16.13 16.36 16.80 17.05 17.13 17.31 17.48 17.72 17.97 18.25 18.32 16.11 16.20 16.74 16.81 16.93 16.89 17.19 17.42 17.69 18.05 18.09 18.10 16.06 16.15 16.58 17.00 16.93 17.02 17.11 17.39 17.55 17.93 17.98 18.08 15.47 15.59 16.21 16.49 16.76 0.04087 0.08846 0.09698 0.08069 0.06019 0.06089 0.05489 0.04958 0.08205 0.13266 0.20033 0.06524 0.01256 0.06942 0.10303 0.06662 0.07665 0.02754 0.01878 0.01538 0.04040 0.08032 0.10408 0.12907 0.05310 0.12214 0.07845 0.05150 0.00075 0.00576 0.00251 0.00166 0.00335 0.00672 0.01111 0.11050 0.05011 0.12246 0.07848 0.06937 0.04644 0.01675 0.01306 0.02091 0.02475 0.02400 0.02747 0.11269 0.00753 0.04209 0.06373 0.07288 C.33.44.55.54.78.65.5.43.22.2.4 22.Tai lieu Luan 66.55.77.99 van Luan an.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.C.33.44.55.54.78.655.43.22.2.4.55.22 Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an Stt.010.Mssv.BKD002ac.email.ninhd 77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77.77.99.44.45.67.22.55.77.C.37.99.44.45.67.22.55.77t@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn