Luận văn thạc sĩ Các nhân tố ảnh hưởng đến cấu trúc vốn của hệ thống ngân hàng Việt Nam

- VÕ LÊ HOÀI GIANG CÁC NHÂN T N C U TRÚC V N C A H TH I T I VI T NAM Í MINH - VÕ LÊ HOÀI GIANG CÁC NHÂN T N C U TRÚC V N C A H TH I T I VI T NAM Chuyên ngành: Tài Ngân hàng M : 60340201 PGS.TS NGUY -N L I CAM OAN Tôi xin cam oan lu n v n nc u trúc v n c a h th i t i Vi cơng trình nghiên c u c a tác gi N i dung nghiên c u c c k t t trình h c t p k t qu nghiên c u th c ti n th i gian qua Các thông tin, d li c s d ng lu n v n trung th c có ngu n g c trích d n rõ ràng; k t qu trình bày lu c công b t i b t k cơng trình nghiên c u khoa h c Lu n v hi i s c th c ng d n khoa h c c a PGS.TS Nguy n Th Liên Hoa TP HCM, 18 Tác gi lu VÕ LÊ HỒI GIANG L IC M N c tiên, tơi xin trân tr ng g i l i c m n sâu s PGS.TS Nguy n Th Liên Hoa giú t n tình tơi su t th i gian nghiên c u lu n v n Cô d n có nh ng g i ý khoa h c q bá n Cơ t n tì ng tơi hồn thi n nghiên c u m t cách t t nh t Tôi c ng xin g i l i c m n tri ân t i Th y, Cơ Ban giám hi u, Khoa Tài chính, Khoa Sau i h c c a Kinh t Thành ph H Chí Minh t o i u ki n thu n l i cho tô ng i h c c h c t p nghiên c u su t th i gian qua Trân tr ng c m n! Tác gi lu VÕ LÊ HOÀI GIANG M CL C TRANG PH BÌA L L IC M CL C DANH M C CÁC KÝ HI U, CÁC CH VI T T T DANH M C B NG BI U DANH M C BI DANH M C CÁC PH L C TÓM T TÀI GI I THI U 1.1 Gi i thi u 1.2 Lý ch 1.3 V tài nghiên c u 1.3.1 M c tiêu nghiên c u 1.3.2 Câu h i nghiên c u 1.4 ng ph m vi nghiên c u u 1.6 B c c c tài NG QUAN CÁC NGHIÊN C 2.1 Các nghiên c nhân t n c u trúc v n ngành tài - ngân hàng 2.1.1 Cơng trình nghiên c u c a Mohammed Amidu (2007) 2.1.2 Cơng trình nghiên c u c a Reint Grop Florian Heider (2009) 11 2.1.3 Cơng trình nghiên c u c a Khizer Ali c ng s (2011) 13 2.1.4 Cơng trình nghiên c u c a Sajid Gul c ng s (2012) 15 2.1.5 Cơng trình nghiên c u c a Thian Cheng Lim (2012) 17 2.1.6 Cơng trình nghiên c u c a Hoa Nguyen Zainab Kayani (2013) 19 2.1.7 Cơng trình nghiên c u c a Nguy n Hoàng Châu (2011) 22 2.2 Các nhân t n c u trúc v n c a N it i Vi t Nam 25 2.2.1 Nhân t quy mô (Size) 26 2.2.2 Nhân t ng (Growth opportunities) 27 2.2.3 Nhân t tính kho n (Liquidity) 28 2.2.4 Nhân t t su t sinh l i (Profitability) 28 2.2.5 Nhân t tài s n c K T LU 30 3.1 nh (Tangibility of assets) 29 U 31 u 31 3.1.1 Quy trình nghiên c u 31 u 31 3.2 Ngu n d li u 32 3.3 Mơ hình h i quy nghiên c u 33 3.4 Các gi thuy t nghiên c u 36 K T LU 38 N I DUNG VÀ K T QU NGHIÊN C U 39 4.1 K t qu ki nh nhân t n c u trúc v n c a Ngân hàng i t i Vi t Nam 39 4.1.1 Mô t th ng kê bi cl 4.1.2 Phân tích ma tr n h s y tài 39 a bi n 40 phù h p c a mơ hình 42 4.1.4 Ki phù h p c a mơ hình 43 4.1.5 Ki m tra hi ng n c a mô hình 44 4.1.6 Ki m tra gi nh quan h ng 45 4.1.7 Ki m tra gi nh v phân ph i chu n c a ph 45 4.2 K t qu c a mơ hình 46 K T LU 52 K T LU N VÀ M T S XU T 53 5.1 K t lu n 53 5.2 M t s xu t 55 i v i N 5.2.2 i v i Chính ph N i t i Vi t Nam 55 c 57 5.3 Nh ng h n ch PH ng nghiên c u ti p theo 60 L C 1: T NG QUAN VÀ TH C TR NG C U TRÚC V N C A CÁC NGÂN I T I VI T NAM 62 PH L TH VÀ TH NG KÊ MÔ T CÁC BI N 79 PH L C 3: DANH SÁCH CÁC NGÂN HÀNG CH N LÀM M U KH O SÁT 82 PH L C 4: S LI U NGHIÊN C U C TÀI LI U THAM KH O TÀI 83 DANH M C CÁC KÝ HI U, CÁC CH VI T T T STT AGE AssRisk AST (asset) : BOS CAR CLB COLL (collateral) CTV DIV (Dividend) 10 DR 11 EVOL(Earnings volatility) 12 GDP 13 GRW (Growth) 14 INFL 15 IPO 16 LEV/L (Leverage) 17 LIQ (Liquidity) : Tính 18 LONG/LLEV 19 MktRisk 20 MTB 21 NHLD : Ngân hàng liên doanh 22 NHNN 23 NHTM 24 NTS (Non-debt tax Shield) 25 PRO (Profitabily) 26 ROA 27 ROE 28 RSK (Risk) 29 SIZE/SZE : Quy mô 30 SPREAD 31 TAN/TANG (Tangibility) 32 TAX 33 TCTD 34 TOBQ 35 36 37 VCSH WB WTO DANH M C B NG BI U B ng 2.1: T ng h p nhân t n n CTV Ngân hàng B ng 3.1: B ng tóm t t gi thuy t nghiên c u B ng 4.1: Th ng kê mô t bi n ph thu c bi c l p giai o n t n m 2007 2011 B ng 4.2: M i quan h t B ng 4.3: B n ng quan gi a bi n phù h p c a mơ hình ki m tra t t ng quan B ng 4.4: K t qu ki m B ng 4.5: Ki m tra hi nh m phù h p c a mơ hình h i quy ng a c ng n c a mơ hình B ng 4.6: K t qu ch y h i quy OLS cho mơ hình B ng 4.7: K t qu nghiên c u nhân t tá B ng 1: S n CTV c a NHTM ng Ngân hàng t i Vi t Nam (Ph l c 1) B ng 2: Quy mô v u l t ng tài s n c a m t s NHTM c a qu c gia khu v c (Ph l c 1) B ng 3: CTV c a NHTM t i Vi (Ph l c 1) -77- ho ng tín d ng c a 30 NHTM c ch n m nghiên c ng cao nh t th hi t l c bi t ng ti n g i c a m t s Ngân hàng l cho m c 100% c th ng ti n g i c 103,88%, Saigonbank # 106,02%, Ngân hàng Phát tri n Mê Kơng (MDB) # cịn m n bùng n l i ro kho n c a h th d n th y r ng, v i vi c bi t cho vay vào ngành r i cao, v i ch tín d ng khơng t t c ng tín ng qu n lý ng ho ng kinh t t oanh nghi p lâm vào tình tr ng phá s n nguyên nhân d Bi ns x u th hi n qua bi 5: T l n x u c a TCTD t sau: Quý 2/2012 (Ngu n: t SBV - VCBS t ng h p) Có th nói t Nam nói riêng b n nay, th u g p nhi ng tài th gi i nói chung Vi t ng c a kh ng ho ng tài -78- tồn c u Tuy nhiên, NHTM t i Vi t Nam v nhu n t nhu c bi t t c thu c a 30 NHTM c ch n m cm ng l i n 2011, c th ng l i t # 27 nghìn t ng t # 39 nghìn t 41,05% so v n s # 48 nghìn t cho th y r ng ho u ng Ngân hàng v n ngành có t su t sinh l i h p d n Tóm l i, Chính ph NHNN c n có nh ng sách ti n t phù h p c ng nh c ch i u hành linh ho t cho t ng th i k , giúp NHTM t i Vi qua cu c kh ng ho ng hi n t hi u qu nh m thú cá ng qu c n t ng t i m t h th ng Ngân hàng an toàn y n n kinh t Vi t Nam thêm v ng m nh, có th sánh vai châu -79- PH L C TH VÀ TH NG KÊ MÔ T CÁC BI N LEV SIZE -80- GROWTH LIQ -81- PRO -82- PH L C DANH SÁCH CÁC NGÂN HÀNG CH N LÀM M U KH O SÁT STT TÊN NGÂN HÀNG KHOÁN ACB ACB ABBANK ABB DAIA BANK DAIABANK DONGA BANK DAF EXIMBANK EIB HABUBANK HBB HDBANK HDBANK SAIGONBANK SAIGONBANK VIETABANK VIETABANK 10 MARITIME BANK MSB KIENLONG BANK KIENLONGBANK 12 MEKONGBANK MDB 13 NAMA BANK NAMABANK 14 NAVIBANK NVB 15 ORICOMBANK OCB 16 SOUTHERN BANK SOUTHERN BANK 17 MB BANK MBB 18 OCEANBANK OCEANBANK 19 PGBANK PGBANK 20 SACOMBANK STB 21 SHB SHB 22 TECHCOMBANK TCB 23 VIB VIB 24 VPBANK VPB 25 WESTERNBANK WESTERNBANK 26 TRUSTBANK TRUSTBANK MHB MHB 28 VIETCOMBANK VCB 29 VIETINBANK CTG 30 BIDV BID 11 27 NHTM Long -83- PH L C S STT TÊN NGÂN HÀNG ACB ABBANK DAIA BANK DAB EXIMBANK 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 LI U NGHIÊN C U C ( VT: Tri ng) SÁCH 85,391,681.00 105,306,130.00 167,881,047.00 205,102,950.00 281,019,319.00 17,174,117.00 13,494,125.00 26,518,084.00 38,015,689.00 41,541,959.00 2,029,312.00 3,090,287.00 7,077,701.00 11,160,803.00 22,202,144.00 27,424,673.00 34,713,192.00 42,520,402.00 55,873,084.00 65,548,578.00 33,710,424.00 48,247,821.00 65,448,356.00 131,105,060.00 79,133,832.00 97,539,662.00 157,774,760.00 193,726,193.00 269,060,227.00 14,694,917.00 9,538,611.00 22,028,648.00 33,363,480.00 36,818,869.00 1,264,333.00 2,340,290.00 6,029,276.00 7,938,917.00 18,690,102.00 24,195,455.00 31,198,238.00 38,319,879.00 50,452,801.00 59,734,813.00 27,415,481.00 35,403,744.00 52,095,037.00 117,599,138.00 2,126,815.00 2,560,580.00 2,838,164.00 3,102,248.00 4,202,693.00 230,766.00 65,414.00 412,615.00 661,413.00 401,634.00 100,080.00 66,170.00 28,117.00 125,406.00 500,768.00 454,067.00 703,169.00 787,756.00 857,514.00 1,255,507.00 628,847.00 969,232.00 1,532,751.00 2,372,823.00 TÀI 539,886.00 789,034.00 872,634.00 1,054,702.00 1,236,987.00 79,873.00 480,524.00 507,124.00 627,457.00 716,538.00 26,754.00 39,570.00 127,207.00 136,730.00 168,584.00 361,464.00 586,665.00 793,784.00 940,622.00 1,223,566.00 530,138.00 716,157.00 937,558.00 1,067,493.00 62,277,134.00 74,118,840.00 97,369,024.00 135,066,574.00 176,932,132.00 14,045,266.00 8,736,630.00 21,336,045.00 29,879,128.00 29,708,343.00 1,177,517.00 1,905,764.00 5,385,237.00 5,997,896.00 16,817,516.00 20,443,449.00 26,621,958.00 32,741,279.00 35,591,114.00 41,798,787.00 24,120,147.00 32,442,838.00 41,294,119.00 91,520,258.00 CHO VAY KHÁCH HÀNG 31,676,320.00 34,810,077.00 61,855,984.00 87,005,510.00 101,822,720.00 6,800,285.00 6,457,751.00 12,740,502.00 19,665,526.00 19,597,646.00 1,689,796.00 1,834,525.00 4,240,939.00 5,786,471.00 6,927,592.00 17,793,644.00 25,303,892.00 34,010,811.00 37,874,325.00 43,341,054.00 18,378,610.00 20,855,907.00 38,003,086.00 61,717,617.00 -84- HABUBANK HDBANK SAIGONBANK VIETABANK 10 MARITIME BANK 11 KIENLONG BANK 12 MDB 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 183,567,032.00 23,518,684.00 23,606,717.00 29,240,379.00 37,987,726.00 41,285,500.00 13,822,552.00 9,557,917.00 19,127,427.00 34,389,227.00 45,025,421.00 10,184,646.00 11,205,359.00 11,875,915.00 16,784,663.00 15,365,115.00 9,467,375.00 10,315,906.00 15,816,725.00 24,082,916.00 22,513,098.00 17,569,024.00 32,626,054.00 63,882,044.00 115,336,083.00 114,374,998.00 2,200,856.00 2,939,018.00 7,478,452.00 12,627,784.00 17,886,335.00 1,575,156.00 2,041,888.00 167,264,512.00 20,339,339.00 20,613,956.00 25,988,480.00 34,454,274.00 36,892,879.00 13,081,818.00 7,885,326.00 17,331,262.00 32,031,590.00 41,477,790.00 8,753,036.00 9,735,593.00 9,941,165.00 13,286,123.00 12,060,188.00 8,140,117.00 8,834,970.00 14,101,875.00 20,687,450.00 18,937,000.00 15,685,220.00 30,752,680.00 60,328,592.00 109,008,494.00 104,875,117.00 1,562,435.00 1,891,730.00 6,361,774.00 9,402,789.00 14,432,467.00 1,020,991.00 1,464,272.00 4,056,293.00 460,755.00 480,422.00 504,850.00 601,797.00 310,132.00 167,555.00 80,275.00 254,905.00 350,732.00 565,976.00 236,154.00 221,254.00 278,325.00 881,544.00 303,950.00 200,103.00 128,889.00 274,056.00 347,167.00 323,596.00 239,859.00 437,008.00 1,005,315.00 1,518,188.00 1,036,595.00 74,803.00 50,654.00 120,086.00 258,505.00 522,097.00 70,079.00 88,610.00 1,912,605.00 98,240.00 183,780.00 207,895.00 233,008.00 240,866.00 66,454.00 150,489.00 250,618.00 256,044.00 327,506.00 236,428.00 331,216.00 492,276.00 1,136,204.00 807,468.00 96,069.00 149,396.00 291,687.00 351,116.00 340,276.00 103,047.00 219,635.00 258,567.00 305,655.00 724,903.00 23,061.00 45,628.00 51,901.00 385,566.00 433,092.00 20,331.00 27,904.00 125,512,080.00 19,272,917.00 19,406,311.00 21,221,852.00 26,636,257.00 30,309,524.00 11,694,038.00 6,409,732.00 14,674,299.00 21,240,743.00 30,774,313.00 8,412,266.00 9,057,851.00 9,054,889.00 11,585,651.00 10,615,832.00 7,830,305.00 8,534,593.00 11,342,818.00 15,584,764.00 12,571,296.00 15,189,382.00 28,714,827.00 53,885,901.00 81,985,572.00 85,125,030.00 1,402,548.00 1,788,483.00 6,216,156.00 8,036,698.00 12,905,514.00 953,475.00 1,410,874.00 74,044,518.00 9,285,862.00 10,275,166.00 13,138,567.00 18,300,130.00 21,761,358.00 8,877,033.00 6,135,342.00 8,167,218.00 11,643,356.00 13,707,101.00 7,300,613.00 7,844,451.00 9,600,247.00 10,309,792.00 10,945,455.00 5,743,094.00 6,572,768.00 11,919,395.00 13,091,657.00 11,388,711.00 6,493,389.00 11,124,146.00 23,698,496.00 31,521,535.00 37,388,434.00 1,344,406.00 2,183,776.00 4,845,376.00 6,946,707.00 8,309,062.00 1,258,545.00 1,329,248.00 -85- 13 NAMA BANK 14 NAVIBANK 15 OCB 16 SOUTHERN BANK 17 MB BANK 18 OCEANBANK 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2,523,817.00 17,266,794.00 10,241,182.00 5,240,389.00 5,891,034.00 10,938,109.00 14,508,724.00 19,037,788.00 9,903,074.00 10,905,279.00 18,689,953.00 20,016,386.00 22,496,047.00 11,755,019.00 10,094,702.00 12,686,213.00 19,689,657.00 25,429,493.00 17,129,590.00 20,761,516.00 35,473,136.00 60,235,078.00 69,990,870.00 29,623,582.00 44,346,106.00 69,008,288.00 109,623,198.00 138,831,492.00 13,680,072.00 14,091,336.00 33,784,958.00 55,138,903.00 62,639,317.00 1,484,868.00 13,444,606.00 6,359,053.00 4,573,888.00 4,601,851.00 9,601,431.00 12,333,832.00 15,737,464.00 9,324,046.00 9,829,121.00 17,523,914.00 17,994,048.00 19,280,046.00 10,099,888.00 8,503,614.00 10,355,318.00 16,549,820.00 21,677,807.00 14,963,480.00 18,378,782.00 32,537,454.00 56,661,717.00 65,973,526.00 26,073,716.00 39,669,453.00 61,512,780.00 99,882,085.00 128,533,693.00 12,565,499.00 13,013,173.00 31,532,579.00 51,051,559.00 57,995,266.00 120,631.00 211,652.00 500,367.00 107,286.00 12,790.00 73,959.00 184,818.00 321,019.00 103,437.00 74,040.00 189,818.00 209,348.00 222,012.00 231,040.00 81,484.00 271,611.00 404,853.00 400,890.00 253,225.00 136,438.00 310,916.00 532,469.00 248,369.00 608,986.00 860,883.00 1,505,070.00 2,288,071.00 2,625,324.00 135,242.00 62,084.00 301,308.00 690,954.00 643,394.00 32,114.00 51,000.00 148,865.00 78,321.00 417,973.00 427,587.00 524,641.00 391,101.00 59,737.00 108,682.00 107,638.00 106,571.00 139,942.00 244,437.00 244,657.00 259,596.00 314,685.00 380,830.00 257,440.00 600,574.00 779,037.00 1,090,577.00 1,299,903.00 234,445.00 629,394.00 623,041.00 1,223,527.00 1,551,406.00 14,246.00 45,900.00 194,020.00 132,439.00 232,216.00 842,382.00 13,192,625.00 6,092,520.00 4,441,850.00 4,473,137.00 7,905,585.00 9,837,854.00 12,000,608.00 9,025,692.00 9,424,071.00 14,955,619.00 16,029,928.00 18,298,111.00 9,803,651.00 8,228,838.00 9,080,883.00 13,044,157.00 16,484,294.00 14,586,886.00 15,708,119.00 25,738,717.00 46,399,596.00 48,093,938.00 23,067,897.00 35,694,747.00 51,675,352.00 82,657,490.00 116,221,157.00 12,170,339.00 12,430,368.00 30,615,286.00 48,421,008.00 56,110,176.00 2,361,241.00 2,670,397.00 3,149,070.00 2,690,633.00 3,729,861.00 4,987,230.00 5,247,743.00 6,192,499.00 4,357,351.00 5,452,617.00 9,864,203.00 10,638,936.00 12,755,542.00 7,515,306.00 8,527,662.00 10,109,856.00 11,479,915.00 13,671,428.00 5,828,236.00 9,479,135.00 19,588,539.00 30,984,764.00 34,856,676.00 11,468,742.00 15,493,509.00 29,140,759.00 48,058,250.00 57,952,296.00 4,706,319.00 5,927,271.00 10,138,650.00 17,448,149.00 18,955,669.00 -86- 19 PGBANK 20 SACOMBANK 21 SHB 22 TECHCOMBANK 23 VIB 24 VPBANK 25 WESTERNBANK 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 4,681,255.00 6,184,199.00 10,418,510.00 16,378,325.00 17,582,081.00 64,572,875.00 68,438,569.00 104,019,144.00 152,386,936.00 141,468,717.00 12,367,441.00 14,381,310.00 27,469,197.00 51,032,861.00 70,989,542.00 39,542,496.00 59,360,485.00 92,581,504.00 150,291,215.00 180,531,163.00 39,305,035.00 34,719,057.00 56,635,118.00 93,826,929.00 96,949,541.00 18,137,433.00 18,587,010.00 27,543,006.00 59,807,023.00 82,817,947.00 1,295,278.00 2,661,681.00 10,314,177.00 4,137,871.00 5,158,272.00 9,325,026.00 14,204,912.00 14,991,105.00 57,223,216.00 60,679,945.00 93,242,243.00 137,691,961.00 126,921,834.00 10,189,031.00 12,114,655.00 25,052,152.00 46,849,647.00 65,158,674.00 35,969,080.00 53,744,931.00 85,257,678.00 140,902,051.00 168,015,361.00 37,122,502.00 32,426,519.00 53,690,044.00 87,233,768.00 88,789,475.00 15,956,599.00 16,192,299.00 24,995,021.00 54,602,292.00 76,821,702.00 1,061,166.00 1,560,003.00 9,177,235.00 56,934.00 91,614.00 230,257.00 292,871.00 594,386.00 1,581,971.00 1,109,927.00 2,174,939.00 2,560,442.00 2,770,674.00 176,235.00 269,361.00 415,190.00 656,733.00 1,000,962.00 709,740.00 1,600,348.00 2,252,897.00 2,743,627.00 4,221,113.00 425,699.00 230,445.00 610,487.00 1,051,233.00 848,900.00 313,523.00 198,723.00 382,632.00 663,144.00 1,064,255.00 40,966.00 138,059.00 160,150.00 30,181.00 62,404.00 91,599.00 150,284.00 267,484.00 996,982.00 1,672,579.00 5,251,164.00 3,115,633.00 3,705,839.00 343,948.00 823,991.00 853,627.00 1,526,154.00 2,254,983.00 436,970.00 574,479.00 700,901.00 1,003,907.00 1,191,224.00 212,736.00 277,947.00 250,441.00 223,037.00 293,434.00 270,417.00 353,767.00 326,237.00 370,704.00 370,704.00 47,727.00 112,021.00 118,916.00 4,079,979.00 4,883,557.00 8,861,463.00 13,933,526.00 14,282,750.00 48,740,921.00 50,617,174.00 63,255,437.00 93,745,042.00 87,915,841.00 9,896,654.00 11,743,226.00 24,615,551.00 38,905,183.00 50,694,697.00 32,935,479.00 48,900,947.00 72,693,486.00 108,333,867.00 136,780,522.00 29,705,481.00 31,795,659.00 50,956,578.00 67,643,823.00 72,846,479.00 15,203,981.00 15,508,167.00 23,966,326.00 37,751,606.00 54,999,726.00 841,780.00 1,478,991.00 8,967,685.00 1,913,682.00 2,347,555.00 6,219,950.00 10,781,227.00 11,928,233.00 35,200,574.00 35,008,871.00 59,657,004.00 81,664,200.00 79,726,547.00 4,175,420.00 6,227,158.00 12,701,664.00 24,103,032.00 28,806,884.00 20,486,131.00 26,018,985.00 41,580,370.00 52,316,862.00 62,562,406.00 16,611,779.00 19,587,856.00 27,103,139.00 41,257,639.00 42,809,646.00 13,287,472.00 12,904,143.00 15,682,819.00 25,094,534.00 28,869,470.00 627,010.00 1,358,741.00 1,785,004.00 -87- 26 TRUSTBANK 27 MHB 28 VIETCOMBANK 29 VIETINBANK 30 BIDV 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 2007 2008 2009 2010 2011 9,335,005.00 20,550,642.00 1,142,613.00 2,990,399.00 8,527,732.00 19,761,557.00 27,171,346.00 27,531,552.00 35,162,410.00 40,097,711.00 51,210,983.00 47,281,766.00 197,408,036.00 191,151,945.00 255,495,883.00 307,496,090.00 366,722,279.00 166,112,971.00 193,590,357.00 243,785,208.00 367,712,191.00 460,603,925.00 204,511,148.00 246,494,323.00 296,432,087.00 366,267,769.00 405,755,454.00 7,249,538.00 17,383,814.00 564,804.00 2,408,018.00 6,969,373.00 16,506,133.00 23,955,411.00 26,436,061.00 34,042,567.00 38,876,391.00 47,997,489.00 44,094,745.00 183,772,150.00 176,461,050.00 238,676,242.00 286,706,579.00 337,940,349.00 155,466,442.00 181,254,198.00 231,007,895.00 349,339,915.00 431,904,533.00 192,534,745.00 233,028,223.00 278,792,757.00 341,898,612.00 381,158,035.00 67,373.00 160,559.00 32,187.00 28,830.00 74,163.00 301,927.00 215,024.00 194,825.00 64,148.00 74,176.00 110,641.00 114,012.00 3,192,119.00 1,669,752.00 5,004,374.00 5,479,183.00 5,697,405.00 1,529,085.00 2,436,388.00 1,678,289.00 4,598,038.00 8,392,021.00 2,028,246.00 2,350,605.00 3,605,469.00 4,625,568.00 4,219,873.00 1,265,746.00 138,318.00 124,916.00 151,673.00 462,272.00 1,214,910.00 1,278,152.00 232,397.00 276,182.00 319,631.00 635,445.00 1,089,166.00 1,049,157.00 1,143,228.00 1,505,260.00 1,586,004.00 2,605,744.00 1,214,196.00 1,995,515.00 3,297,530.00 3,297,645.00 3,746,217.00 1,256,530.00 1,500,602.00 1,896,624.00 3,044,807.00 3,208,188.00 6,875,376.00 16,444,761.00 493,223.00 2,336,232.00 6,082,309.00 14,104,019.00 19,393,954.00 18,109,991.00 26,788,430.00 29,246,630.00 35,746,009.00 36,356,146.00 159,528,903.00 148,154,149.00 207,907,078.00 264,291,583.00 274,979,229.00 118,121,669.00 130,459,176.00 163,542,399.00 241,015,431.00 331,681,621.00 143,222,545.00 172,160,759.00 201,823,196.00 272,982,914.00 276,212,529.00 3,942,622.00 8,810,998.00 830,691.00 1,622,173.00 5,188,280.00 9,976,317.00 11,810,197.00 13,756,662.00 15,947,869.00 19,921,250.00 22,356,307.00 22,669,954.00 95,429,695.00 106,939,667.00 136,996,006.00 171,124,824.00 204,089,479.00 100,482,233.00 118,601,677.00 161,619,376.00 231,434,907.00 290,397,810.00 129,079,350.00 156,870,045.00 200,999,434.00 248,898,483.00 288,079,640.00 DANH M C TÀI LI U 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nghi p phi tài Bên c Vi t Nam có r t nghiên c u v CTV Ngân hàng, v lý thuy t, cơng trình nghiên c u v CTV Ngân hàng th gi u th