Phân tích hiệu quả hoạt động kinh doanh của ngân hàng thương mại cổ phần sài gòn thương tín chi nhánh an giang

TRtTONG DAI HOC AN GIANG KHOA KINH TE - QUAN TRI KINH DOANH NGUYEN THI LOAN ANH PHAN TICH HIEU QUA HOAT DQNG KINH DOANH CUA NGAN HANG THlTONG MAI CO PHAN SAI GON THlTONG TIN - CHI NHANH AN GIANG CHUYEN NGANH: TAI CHINH DOANH NGHIEP LOP: DH10TC - MSSV: DTC093445 KHOA LUAN TOT NGHIEP DAI HOC TRU6NG6AI HOC AN GIANG_ GIANG VIEN M5NG DAN: TS TO THIEN HIEN AN GIANG, THANG 05 NAM 2013 CHUYEN DE BlTQC HOAN THANH TAI KHOA KINH TE - QTKD DAI HOC AN GIANG Nguoi hudng din :TS TO THIEN Hl^^N (Ho ten, hoc ham, hpc vi, chu ky) Nguoi chlmnhanxet 1: (Ho ten, hpc ham, hpc vi, chu ky) Nguoi cham nhan xet 2: (Ho t6n, hpc ham, hpc vi, chit ky) Nguoi cham nhan xet 3: (Ho ten, hpc ham, hpc vi, chu: ky) Khoa luan dupe ho^n tai Hpi d6ng chlm luan van Khoa Kinh Tg - QTKD, thang 05 nam 2013 SVTH:NguyInThiLoanAnhGVHD: TS To Thien HignTrangi LOI CAM ON 8O0GS Chiing toi - nhung sinh vien nam cuoi dai hpc dang phai vpi va chay dua voi thai gian di chuin bi cho minh nhung hanh trang cuii cdng nhim hoan •thien ban than vung vang hon trudc rdi xa giang dudng dai hpc Bi co dupe nhttng hanh trang vao ddi, ben canh nhung n luc cua bka than thi ; co ca su yeu thuong va giup de cua nhiiu ngudi Ldi diu tien, t6i xin gui ; lori tri an tdi gia dmh, tdi thiy co, tdi ban be va tit ca nhung ngudi da giup jtdi Xin guri den Ba Me toi - ngudi luon d ben c^inh, yeu thuong vk ling ho toi long biit on sau sic nhit Ba Me khong chi luon ben canh dpng vien va tao mpi dieu kien thuan lpi cho toi ma la chi dura viing chic vi tinh thin, tao ; dpng luc cho toi phin diu vuan cao, vuan xa tren dudng ddi I Xin guri ldi cam on chan din TS To Thien Hiin - ngudi thiy da tan tinh chi day toi suot qua trinh lam khoa luan Thiy luon quan tam va | chi dan toi bing tit ca su nhipt huyit cua minh Bupc su huong din cua thiy ; la mpt vinh du cho mpt sinh vien nhu toi, phong each lam viec khoa hpc, •chuyen nghiep cua thiy la diiu toi cin hpc hdi di lam hanh trang sau cho i minh I Bong thai, xin td long biit an din quy Thiy, Co trudng Bai hpc An Giang, ! dac biet la cac Thiy, Co khoa Kinh ti - Quan Tri Kinh Boanh da hit long day do, diu dit, truyen dat nhieu kinh nghiem quy bau cho toi suit nam vda qua •Ldi cuoi cung, xm cam on Ban lanh dao va toan thi cac anh chi dang cong [ tac tai Ngan hang Thuang Mai C6 Phin Sai Gdn Thuong Tin - chi nhanh An Giang da tao dieu kien thuan lpi cho toi hoan Khoa luan nky ILongXuyen, 10 thang 05 nam 2013 Nguyen Thi Loan Anh SVTH: Nguyln Thj Loan Anh GVHD: TS T6 Thien Hien Trang ii MUCLVC Trang LCSICAMONii M/CLUCiii DANH MUC TIT VIET TATviii DANH MUC BANGix DANHMUCHINHix DANH MUC BIEU DOx phAn mO dAui 1.Cor so hinh Ah tai:1 2.Muc tieu nghien cuu2 3.Pham vi nghien ciiu3 4.Phuang phap nghien cuu 5.Y nghia thtrc tiln4 6.Ciu tnic Ah tai4 CHU0NG16 CO SC> LY LUAN VE PHAN TICK HIEU QUA HOAT DONG KINH DOANH CUA NGAN HANG THUONG MAI6 1.1Tong quan ve ngan hang thuong mai6 1.1.1Khai niem ve ngan hang thuong mai6 1.1.2Khai quat \h ngu6n v6n cua NHTM7 1.1.3Khai quat vh tai san cua NHTM,8 1.1.4Cac hoat dong cua ngan hang thuomg mai8 1.1.4.1Hoat dong huy dong von9 1.1.4.2Hoat dong tin dung9 1.1.4.3Hoat dong dich vu toan10 1.2Cac nhan t6 tac dong d6n hieu qua hoat dong kinh doanh cua NHTM 11 1.2.1 Moi tnrdng ben ngoai'.11 1.2.1.1 MoitrudngvT mo11 SVTH: Nguyln Thi Loan AnhGVHD: TS To Thien HienTrang iii 1:2.1.2 Moi trutag vi mo12 1.2.2 Moi truong noi bo13 1.3Hieu qua hoat dpng kinh doanh cuaNHTM14 1.3.1Khai niem hieu qua hoat dpng kinh doanh14 1.3.2Hieu qua hoat dong kinh doanh tren phuong dien khach hang15 1.3.3Hieu qua hoat dong kinh doanh tren phuong dien ngan hang16 1.4Mpt so chi tieu danh gia hieu qua hoat dong kinh doanh ciia NHTM 17 1.4.1Danh gia hieu qua huy dpng von17 1.4.2Danh gia hieu qua tin dung18 1.4.3Phan tich doanh thu, chi phi, lpinhuSn20 CHLTONG223 PHAN TICH HIEU QUA HOAT DONG KINH DOANH CUA NHTMCP SAJ GON THUONG TIN - CHI NHANH AN GIANG23 2.1 So lupc v6 NHTMCP Sai Gon Thuong Tin - chi nhanh An Giang23 2.1.1Thong tin co ban vS NHTMCP Sai Gon Thuong Tin23 2.1.2Qua trinh hinh va phat tri^i cua NHTMCP Sai Gon Thuong Tin - chi nhanh An Giang24 2.1.3Co ciu t6 chiic cua NHTMCP Sai Gon Thucrng Tin - chi nhanh An Giang25 2.1.3.1Sod6t6chuc25 2.1.3.2Chile nang nhiem vu cua cac phong ban26 2.1.4Khai quat ket qua hoat dpng kinh doanh cua Sacombank - An Giang giai doan 2010 - 201228 2.1.4.1Cong tac huy dpng v6n28 2.1.4.2Hoat dpng cho vay30 2.1.4.3Hoat dpng dich vu32 2.1.5Nhflng thuan lpi va kho khan chu ySu qua trinh hoat dpng kinh doanh cua ngan hang.„33 2.1.5.1Thuan lpi33 2.1.5.2Kho khan33 SVTH: Nguyln Thi Loan AnhGVHD: TS To Thien HignTrang iv 2.2Thirc trang hieu qua huy dong v6n tai NHTMCP Sai Gon Thuang Tin chi nhanh An Giang giai doan 2010-201234 2.2.1Phan tich thi phin huy dong v6n35 2.2.2Phan tich kit ciu ngubn v6n huy dong37 2.2.2.1CgTcajrvdn"huy dong thecTdii tuong khackhang?.37 2.2.2.jjKet_ciu_y6huy^dpng theo kyh^^40 2.2.3Phan tich hieu qua huy dong v6n tai Sacombank - An Giang41 2.3Thirc trang hieu qua cho vay tai NHTM CP Sai Gon Thirong Tin - chi nhanh An Giang giai doan 2010-201246 2.3.1Thi phin cho vay tren dia ban tinh An Giang47 2.3.2Phan tich ca ciu cho vay cua Sacombank49 2.3.2.1(^o cau cho vay theo doi tircmg khach hang49 2.3.2.2Co ciu cho vay theo nganh ngh^51 2.3.2.3Co c^u cho vay theo thai han52 2.3.3Phan tich hoat dpng cho vay54 2.3.3.1(l5oanh s6 cho vay theo_^^^5TH^354 2.3.3.2Doanh s6 thu no theo thbi han56 2.3.3.3Dir no cho vay theo thbi han59 2.3.4Phan tich chat hrgtig tin dung61 2.3.4.1No qua han phan theo thai han 61 2.3.4.2Phan tich chit hrong tin dung thong qua cac chi tieu64 2.4Thirc trang hieu qua hoat dong dich vu tai NHTM CP Sai Gon Thuang Tin - chi nhanh An Giang66 2.4.1Phan tich co cau hoat dong dich vu67 2.4.2Phan tich quy mo va tie tang trubng cua hoat dong dich vu68 2.4.2.1Dich vu the68 2.4.2.2Chuyen tiin nhanh72 2.4.2.3Thanh toan qubc ti74 2.4.2.4Bao lanh75 2.5Phan tich doanh thu - chi phi - lpi nhuan77 SVTH: Nguyln Thi Loan Aii^=^^^=GVHd!tS=T6 Thien HienTrang v 2.5.1Phan ticlf doanh thu77 2.5.2Phan tich chi phi82 2.5.3Phan tich lei nhuan86 2.6 Banh gia hieu qua hoat dpng kinh doanh ciia NHTM CP Sai Gon Thuong Tin - chi nhanh An Giang giai doan 2010 - 201288 2.6.1NhOng ket qua dat dupe89 2.6.2Nhttng t6n tai, han chS90 2.6.3Nguyen nhan ciia nhftng t6n tai, han che91 2.6.3.1Nguyen nhan khdeh quan91 2.6.3.2Nguyen nhan chu quan91 CHLTONG394 GlAl PHAP NANG CAO HIEU QUA HOAT B0NG KINH DOANH TAI NHTMCP SAl GON THUONG TIN - CHI NHANH AN GIANG94 3.1Phuong hirdng ke hoach ciia Sacombank - An Giang nam 2013 94 3.2Mot so giai phdp nang cao hieu qua hoat dpng kinh doanh tai Sacombank - An Giang95 3.2.1Tiep tuc day manh cong tac thu thap ca so dir lieu khach hang95 3.2.2Nang cao chit hrprng ngu6n nhan lire tai ngan hang97 3.2.3Duy tri, phat huy va tiep tuc hoan thien chien lupc phat trien san pham cua ngan hang97 3.2.4Hoan thien chien lupc cham soc khach hang98 3.2.5Tap trung phat triSn cho vay doi vai khach hang nong thon va linh vuc nong nghiep99 3.2.6Hoan thien chinh sdeh tin dung nhlm nang cao chat Iupng tin dung 100 KIENNGHI102 1.D6i vai NHNN - chi nhanh An Giang102 2.D6i vdi NHTMCP Sai G6n Thuomg Tin - An Giang103 KETLUAN105 TAI LIEU THAM KHAO107 SVTH: Nguyln Thj Loan AnhGVHD: TS To Thien Hi^iTrang vi PfflJLUCIll SVTH:NguyinThjLoanAnhGVHD: TS To Thien HienTrangvii DANH MVC TU" VIET TAT bdOgs AG An Giang CBCNV Can bo cong nhan vien Cty Cong ty DNTN Doanh nghiep tu nhan DT Doanh thu FPT Fund Transfer Pricing - Co chS quan ly von tap trung ! HDQT Hoi dong quan tri KD Kinh doanh KMNV Khoan muc nguon von KT-HC K^ toan - Hanh chanh KH KS hoach L/C Letter credit - Thu tin dung NV Ngudn v6n NH Ngan hang NHNN Ngan hang nha nuoc NHTM Ngan hang thuong mai NHTMCP Ngan hang thuong mai c6 phln PGD Phong giao dich SL S6 luqng TCTD T6 chuc tin dung TNHH Trach nhiem huu han VHD Von huy dpng VND Viet Nam dong SVTH: Nguyin Thi Loan Anh GVHD: TS To Thien Hien Trang viii DANH MUC BANG bdOgs Trang Bang 2.1: Thiphanhuy dpng von ciia Sacombank - An Giang 35 Bang 2.2: Ket cau huy dpng von theo d6i tup^g khach hang38 Bang 2.3: Nguon von huy dpng so vdi ke hoach42 Bang 2.4: Tinh hinh von huy dpng va chi phi huy dpng44 Bang 2.5: Hoat dpng cho vay tren dia ban tinh An Giang47 Bang 2.6: Doanh so cho vay theo thai han tai Sacombank - An Giang54 Bang 2.7: Doanh so thu no theo thai han tai Sacombank - An Giang57 Bang 2.8: Dir np theo thai han tai Sacombank - An Giang60 Bang 2.9: Na qua han theo thai han tai Sacombank - An Giang62 Bang 2.10: Dien bien ty le na qua han/T6ng dir na64 Bang 2.11: Diln biln ty le du np/V6n huy dpng65 Bang 2.12: Diln biln he s6 thu na68 Bang 2.13: Tinh hinh phat hanh the tai Sacombank-An Giang70 Bang 2.14: Doanh s6 chuyln tiln tai Sacombank - An Giang71 Bang 2.15: Doanh s6 bao lanh va s6 lupmg h6 sa thuc hien75 Bang 2.16: Tinh hinh doanh thu tai Sacombank - An Giang79 Bang 2.17: Tinh hinh chi phi tai Sacombank - An Giang85 Bang 3.1: Kl hoach kinh doanh nam 201395 DANH MUC HINH Trang Hinh 1.1: Sa khai quat hoat dpng kinh doanh chii yeu ciia NHTM Hinh 2.1: Sa d6 to chiic tai Sacombank - Chi nhanh An Giang 25 SVTH:NguylnThiLoanAnhGVHD: TS To Thien HienTrang ix man n^ii nit^u ijua nuai uyn^ is.11111 uuann uua i\n ivit_r oai vjuii uuuu^ iu_/\u uiaii TAI LIEU THAM KHAO Sach tham khao 1.Phan Thi Cue 2008 Nghiep vu Ngan hang Thuong mai NXB Thing ke 2.Nguyln Dang Don 2009 Nghiep vu ngan hang thixong mai NXB Dai hoc Qu6c gia TP H6 Chi Minh 3.Triln Huy Hoang 2011 Quto tri ngan hang thiromg mai NXB Lao (long - Xa hoi 4.Nguyln Minh Kilu 2009 Nghiep vu ngan hang thuong mai NXB thing ke Tai lieu tham khao khac -Le Huu Duy Nguyen 2009 Phan tich hieu qua hoat dong tin dung va rui ro tin dung tai Sacombank Chi nhanh Kien Giang Khoa KT - QTKD, Dai hoc An Giang -Nguyln Thi My Tuyln 2012 Phan tich hieu qua hoat dong kinh doanh cua NHTMCP Kien Long chi nhanh Bin Tre Khoa KT - QTKD, Dai hoc Cdn Tho -Nguyen Thi To Khuyen 2012 Phan tich hieu qua dam bao tin dung tai Ngan hang Phat trien nha Dong B^ng song Curu Long - chi nhanh An Giang Khoa KT - QTKD, Dai hoc An Giang -Nguyln Thi My Tuyln 2012 Phan tich hieu -Va mot so khoa luan khac -Bao cao thuong nien ngan hang nha nude Viet Nam qua cac nam 2010, 2011 -Bao cao thudng nien cua cac ngan hang: NHTM CP Sai Gon Thuong Tin, NHTM CP Xult Nhap Khiu Viet Ivfam, -Bao cao tong ket hoat dong kinh doanh ciia Sacombank - Chi nhanh An Giang qua cac nam 2010, 2011, 2012 SVTH: Nguyln Thi Loan AnhGVHD: TS To Thien HienTrang 107 mail Lieu llicu ^ua uui^l ui^u^ Mini uuaim ^ua i>ra l mi^r jai uuii L uuuu^ i iu_i-\n vjiaug Mot so trang web tham khao: -Khong thang Gi^i phap nang cao hieu qua hoat dpng cua cac Ngan hang thucrng mai nha mroc Viet Nam hien Dpc tir: http://www.scribd.com/doc/83699310/63/Edward-W-Reed-Edward-K-GilI1993-Ngan-hang-th%C6%B0%C6%Alng-m%El%BA%Ali-NXB Dqc 22/2/2013 -Khong tac gia KhOng thang TriSn vpng nganh Bpc tir http://www.general-files.com/download/gs5fe8b02bh32iO/TrienVongNganh01.2010 - V.pdf.html Bpc 20/03/2013 -Vo H6ng Phiic 07/03/2011 T6ng quan tinh hinh kinh t6 - xa hpi nam 2010 v^ nhiem vu nam 2011 Bpc tir http://www.hanhchinh.com.vn/forum/showthread.php?tr=37121 Bpc 17/03/2013 -Binh Th^ Hiln Khong thang Nhan dinh tinh hinh kinh t^ Viet Nam va co hpi dlu ttr nam 2011 Bpc tir http://www vfa.vn/attachment/31 pdf Bpc 17/03/2013 -Khong tac gia 13/12/2010 10 sir kien kinh tg n6i bat nam 2010 Bpc tir http://www.vcci.com.vn/tin-tuc/20101213021318996/10-su-kien-kinh-te-noibat-nam-2010.htm Bpc 22/03/2013 -Khong tac gia KMng thang 10 sir kien tai chinh ngan hang n6i bat nam 2011 Bpc tit http://giaoduc.net.vn/NTB-thong-thai/Thi-truong/10-sukien-tai-chinh-ngan-hang-noi-bat-nam-2011/89620.gd Bpc 22/03/2011 -Khong tac gia 20/12/2012 10 sir kien tai chinh ngan hang n6i b^t nam 2012 Bpc tir http://cafef.vn/tai-chinh-ngan-hang/10-su-kien-tai-chinh-ngan- hang-noi-bat-nam-2012-20121217012648105ca34.chn Bpc 22/03/2013 Khai quat tinh hinh hoat dpng cua nganh ngan hang 10 thang diu nam 2012 -Ti6u Y^n 30/12/2012 Thi tnrong vang nam 2012: "G5 vln r6i" Bpc tir http://ndhmoney.vn/web/guest/sl7/-/journal - content/het-nam-2012-nguoidan-chua-het-lo-ngai-ve-chinh-sach-quan-ly.Bpc 23/03/2013 SVTH: Nguyen Thi Loan AnhGVHD: TS To Thien Hi6nTrang 108 etian ticti m^u qua noat aong Kinn aoann cua NHiMur sai uon inucmg nn_An uiang -Khong tac gia Khong thang Bao gia ngan hang song dupe nhiy dich vu Doc tir: http://www.sacombank-sbr.com.vn/News/Details.aspx?Id=6 -Le Hoang Nga 26/11/2011 Phat tri&i dich vu Ngan hang ban le giai doan 2010-2015 Bpc tir: http://www.vnba.org.vn/?option=com - content&view=article&id=1619&catid=43&Itemid=90 -Phan Thi Linh Khong thang Phat tri^n dich vu ngan hang - Kinh nghiem cua m6t so nuoc tren the giai Bpc tir: http://tamnhin.net/Biemnhin/14183/Phat-trien-dich-vu-ngan-hang—Kinhnghiem-cua-mot-so-nuoc-tren-the-gioi-Ky-1 html -Binh Thu Khong thang San phim dich vu the, ti6m nang va siic manh cua ngan hang ttrong lai Bpc tir: http://dmhthuvietinbank.blogtiengviet.net/2011/11/1 l/p5237055 -BOiong tac gia 31/12/2011 10 sir kifn n6i bat cua nganh ngan hang nam 2011 Bpc tir: http://gafin.vn/20111227105558322p0c34/10-su-kien-noi-batcua-nganh-ngan-hang-nam-2011 htm -Khong tac gia 26/12/2011 10 sir kien tai chinh ngan hang n6i bat nam 2011 Bpc tir: http://giaoduc.net.vn/NTB-thong-thai/Thi-truong/10-su-kientai-chinh-ngan-hang-noi-bat-nam-201 l/89620.gd -Ban bien tap CafeF 20/12/2012 10 su kien tai chinh ngan hang h6i bat nam 2012 Bpc tir: http://cafef.vn/tai-chinh-ngan-hang/10-su-kien-tai-chinh- ngan-hang-noi-bat-nam-2012-20121217012648105ca34.chn -My Linh - Thanh Nga Khong thang ChuySn d6i mo hinh tin dung huang tdi khach hang Bpc tir: http://www.vietinbank.vn/web/home/vn/research/13/chuyen-doi-mo-hinhtin-dung-huong-toi-khach-hang.html -Tuyet Nhung Khong thang Mot so van de dat doi vai dich vu Cham soc khach hang a NHTM Bpc tir: http://www.vietinbank.vn/web/home/vn/research/l 1/110130.html SVTH: Nguyln Thi Loan AnhGVHD: TS To Thien HienTrang 109 Phan tich hif u qua hoat dong kinh doanh cua NHTMUP Sai Udn huang in_An umng -TrSn Dinh Thu 2011 Phat triSn dich vu ngan hang ban le hirbng vao nong nghiep, nong thon Doc tir: http://www.vietinbank.vn/web/home/vn/research/! 1/110510.html -Huynh Kim Tri Khong thang Quan tri quan he khach hang dirai goc nhin van hoa doanh nghiep Doc tir: http://www.vietinbank.vn/web/home/vn/research/13/quan-tri-quan-hekhach-hang-duoi-goc-nhin-van-hoa-doanh-nghiep.html -Dinh Van Du Khong thang Giai phap nao cho tang truong ngu6n von d cac Chi nhanh Ngan hang Cong thuong khu vuc phia Nam? Doc tir: http://www.vietinbank.vn/web/home/vn/research/08/08041 l.html -Nguyln Thi Hai Ha Khong thang Nhthig tac dong ciia chinh sach tien t^ that chat Doc tir: http://www.vietinbank.vn/web/home/vn/research/12/nhung-tac-dong-cuachinh-sach-tien-te-that-chat.html -Nguyen Thi Nhung 01/03/2011 Ban cheo san pham hoat dong ngan hang Doc tir: http://www.sbv.gov.vn/wps/portal/!ut/p/c4/04_SB8K8xLLM9MSSzPy8xBz 9CP0os3gDFxNLczdTEwODMG9jA0_QHM_Y_dAAwNnM_2CbEdFAAJ9 Ps8!/?WCM_GLOBAL_CONTEXT=/wps/wcm/connect/sbv_vn/sbv vn/vn.sb v.print/vn.sbv.printing.magazine/c4d87f8045f69350bfdfff0e2e016350 -Le Xuan NghTa Khong thang Bao gib ngan hang song dupe nhb dich v^? http://www.sacombank-sbr.com.vn/News/Details.aspx?Id=6 -Le Hoang Nga 26/11/2011 Phat tri&i dich vu Ngan hang ban le giai doan 2010-2015 Doc tir: http://www.vnba.org vn/?option=com_content&view=article&id=1619&cat id=43&Itemid=90 SVTH: Nguyln Thi Loan AnhGVHD: TS To Thien HienTrang 110 f nan tich hi^u qua hoat apng Kmh doann cua NH1 MCI' Sai uon Huong m_An Uiang BANG 1: TINH HINH NGUON VON BANG 2: KET cAu NGUON VON PHAN THEO CAC KHOAN MUC BANG 3: VON HUY DQNG THEO BOITU0NG KHACH HANG BANG 4: TINH HINH HOAT B0NG TIN BUNG BANG 5: THU NHAP TU" PHI BICH VU BANG 6: TINH HINH PHAT HANH THE BANG 7: THONG KE SO LU0NG CAC SAN PHAm THE BANG 8: BOANH SO CHUYEN TIEN BANG 9: BOANH SO BAO LANH VA SO HO SO THUC HEN BANG 10: TINH HINH DOANH THU - CHI PHI - L0INHUAN BANGll :L0I NHUAN SVTH: Nguyen Thi Loan Anh GVHD: TS To Thien Hien Trang 111 Von dieu hoa 2.027.114 Von Iiuy dong Tong cong 1.781.002 246 2010 Chi tieu 1.467.977 - 1.467.977 2011 1.529.515 - 1.529.515 2012 (559.137) (246) (313.025) Tuyf t doi (27,6%) (100%) (17,6%) Tirong doi 2011/2010 61.538 - 61.538 4,2% - 4,2% Tirong doi 2012/2011 Dan vi tinh: tri$u dong Tuy^t doi BANG 1: TINH HJNH NGUON VON TI SACOMBANK - AN GIANG 293.595 1.174.382 252.370 1.277.145 207.001 70.896 1.190.080 38.785 20.465 1.470.265 17.810 Ky han tren 12 thang 1.781.002 1.442.612 K)' han dudi 12 thang 320.580 1.467.977 14.680 1.159.702 293.595 1.529.515 122.361 1.162.432 244.722 HUY DONG VON THEO KY HAN 412.268 1.210.850 Vang Tong nguon von buy dong 2012 HUY DQNG VON THEO LOAI TIEN 409.630 1.371.372 157.884 Khong ky han 2011 Gia tri HUV DONG VON THEO LOAIKHACH HANG 2010 Ngoai te VND Khach hang doanh nghiep Khach hang ca nhan Khoan nine 100% 1% 81% 18% 23% 9% 68% 23% 77% 2010 BANG 2: KET CAU NGUON VON PHAN THEO CAC KHOAN MUC 100% 1% 79% 20% 14% 5% 81% 20% 80% 2011 Ty 100% 8% 76% 16% 3% 1% 96% 17% 83% 2012 Bern vi tinh: tri$u dong Tong Doanh nghiep Ca nhan Chi tieu 1.781.002 409.630 1.371.372 2010 1.467.977 293.595 1.174.382 2011 1.529.515 252.370 1.277.145 2012 (313.025) (116.035) (196.990) Tuyet doi (17,6%) (28,3%) (14,4%) Tirong d6i 2011/2010 61.538 (41.225) 102.763 Tuyet d6i 4,2% (14,0%) 8,8% Tiro-ng doi 2012/2011 Dan vf tinh: trieu dong BANG 3: VON HUY ©QNG THEO BOI TlfgfNG KHACH HANG han No qua Dim^ no- sothu Doanh vay Doanh so cho muc Khoan 375 1.879 Trung d^i han Tong 1.504 1.784.728 Tong Ngin han 203.816 Trung dai han 1.580.912 Ngin han 1.549.339 Trung dai han 7.820.992 6.271.653 Ngin han TSng 8.221.032 1.672.980 Trung dai han Tong 6.548.052 2010 Ngin han Chi tieu 4.397 867 3.530 1.783.777 388.755 1.394.022 9.577.956 741.334 8.836.622 9.577.005 2.004.467 7.572.538 2011 2.404 601 1.803 1.486.043 471.521 1.014.522 10.972.730 2.321.830 8.650.900 10.674.996 2.780.836 7.894.160 2012 2.518 492 2.026 (951) 184.939 (186.890) 1.756.964 (808.005) 2.564.969 1.355.973 331.487 1.024.486 Tuyf t doi 134,01% 131,20% 134,71% (0,05%) 90,74% (11,82%) 22,46% (52,15%) 40,90% 16,49% 19,81% 15,65% Tiro-ng doi 2011/2010 (1.993) (266) (1.727) (297.734) 82.766 (379.500) 1.394.774 1.580.496 (185.722) 1.097.991 776.369 321.622 Tuyf t doi (45^3%) (16,69%) (48,92%) (30,68%) 21,29% (27,22%) 14,56% 213,20% (2,10%) 11,46% 38,73% 4,25% Tirong doi 2012/2011 Dan vj tinh: trieu dong BANG 4: TINH HINH HOAT DQNG TIN DUNG TAISACOMBANK - AN GIANG 296 736 725 4.485 801 1.696 8.739 NgSnquy Bao lanh Chuyen tien nhanh TT quoc te Dich vu khac T6ng 2010 Djch vu the Chi tieu 13.133 833 1.480 5.848 1.180 2.752 1.040 2011 17.986 1.398 330 8.036 1.150 3.403 3.669 2012 4.394 (863) 679 1.363 455 2.016 50% (51%) 85% 30% 63% 274% 251% doi d6i 744 Tirffng Tuy^t 2011/2010 4.853 565 (1.150) 2.188 (30) 651 2.629 d3i Tuy^t 37% 68% (78%) 37% (3%) 24% 253% d3i Tuwng 2012/2011 Ban vi tinh: trieu dong BANG 5: THU NH^P TIT PHI DICH VU T^I SACOMBANK - AN GIANG 592 3.024 So Iuong the dang luu thong So luoug the chit 3.616 2010 Tong so hr^ng the da phat hanh CHI TIEU 314 3.895 4.109 2011 5.136 5.136 2012 28,80% 13,63% doi Tuotig (278) (46,96%) 871 493 Tuyet doi 2011/2010 (314) 1.241 1.027 (100%) 31,86% 24,99% Tmmg doi 2012/2011 Dan vi tinh: Cdi Tuyet doi BANG 6: TINH fflNH PHAT HANH THE TI SACOMBANK - AN GIANG 948 114 53 VISA DEBIT LADY FIRST GIFT FAMILY 3.616 281 VISA CREDIT T6ng 2.215 2010 PLUS San ph3m the 4.109 20 83 856 340 2.807 2011 5.136 15 64 1.227 519 3.309 2012 493 (33) (31) (2) (92) 59 14% (62%) (27%) (40%) (10%) 21% 27% doi doi 592 Tirong Tuyft 2011/2010 (5) (19) (1) 371 179 502 1.027 doi Tuyft 25% (25%) (23%) (33%) 43% 53% 18% Tirong doi 2012/2011 Ban vi tinh: Cai BANG 7: THONG KE SO LITONG CAC SAN PHAM THE (cai) So luong ho so- thirc hif n Doanh so bao lanh (trieu dong) Chi tieu 2.609.281 Trieu ding T6ng 2.972.330 1.302.097 1.670.533 2011 3.838.341 1.809.293 2.029.048 2012 363.049 158.569 204.330 doi 13,91% 13,87% 13,94% doi 2011/2010 Tirong Tuy^t 180 30.000 2010 205 35.400 2011 140 32.500 2012 25 5.400 Tuyet doi 14% 18% Tirong doi 2011/2010 29,14% 38,95% 21,46% Tirong doi (65) (2.900) (32%) (8%) Tirong doi 2012/2011 866.011 507.196 358.515 Tuyet doi 2012/2011 Tuyet doi BANG 9: DOANH SO BAO LANH VA SO HO SO THlTC HIEN 1.143.528 Trieu dong Chuyln tiin den 1.466.203 2010 Trieu dong Don vi Chuyen tiin di Chi tieu BANG 8: DOANH SO CHUYEN TIEN TAISACOMBANK - AN GIANG 10.549 4.848 Doanh thu HD DV Doanh thu khac 16.641 96.393 Lai nhuan 471 84.064 Chi phi khac Chi phi HDDV Chi phi lai HDV 101.176 182.172 Doanh thu HD TD CHI PHI 197.569 2010 DOANH THU Chi tieu 154.326 33.636 1.443 119.756 154.835 4.665 15.726 288.770 309.161 2011 175.634 43.567 1.956 111.092 156.615 3.469 20.371 308.409 332.249 2012 57.933 16.995 972 35.692 53.659 (183) 5.177 106.598 111.592 Tuyft d6i 60,10% 102,13% 206,37% 42,46% 53,04% (3,77%) 49,08% 58,52% 56,48% Twang doi 2011/2010 BANG 10: TiNH HINH DT - CP - LN TAISACOMBANK - AN GIANG 21.308 9.931 513 (8664) 1.780 (1196) 4.645 19.639 23.088 Tuy?t doi 13,81% 29,52% 35,55% (7,23%) 1,15% (25,64%) 29,54% 6,80% 7,47% Twang doi 2012/2011 Dem v; tinh : Iri^u dong 2011 169.014 14.283 (28.971) 154.326 2010 98.108 10.078 (11.793) 96.393 Thu nhap thuan tir lai Thu nhap thuan dich vu Thu nhap thuan khac Tong Igi nhuan thuan Chi ticu 175.634 (40.098) 18.415 197.317 2012 57.933 (17.178) 4.205 70.906 Tuyt doi 60,10% 145,66% 41,72% 72,27% Tirong doi 2011/2010 BANG 11 : LOI NHU^N T^I SACOMBANK - AN GIANG 21.308 (11.127) 4.132 28.303 Tuyet doi 10 13,81% 38,41% 28,93% 16,75% Tiromg doi 2012/2011 Ban v( tinh: trieu dong ... Sacombank - An Giang7 1 Bang 2.15: Doanh s6 bao lanh va s6 lupmg h6 sa thuc hien75 Bang 2.16: Tinh hinh doanh thu tai Sacombank - An Giang7 9 Bang 2.17: Tinh hinh chi phi tai Sacombank - An Giang8 5... 2.7: Doanh so thu no theo thai han tai Sacombank - An Giang5 7 Bang 2.8: Dir np theo thai han tai Sacombank - An Giang6 0 Bang 2.9: Na qua han theo thai han tai Sacombank - An Giang6 2 Bang 2.10:... - An Giang6 7 Bi^u d6 2.15: Tinh hinh phat hanh the tai Sacombank - An Giang7 0 Bieu 2.16: Ca cau doanh thu tai Sacombank - An Giang7 8 Bilu d6 2.17: Tinh hinh doanh thu tai Sacombank - An Giang7 9