Xử lý nợ xấu tại ngân hàng nông nghiệp và phát triển nông thôn chi nhánh huyện vĩnh thạnh

bhuf ^rtoX TRXTdNG DAI HQC AN GIANG KHOA KINH TE - QUAN TRI KINH DOANH DOAN Tffl HUYEN TRAN xCtlyngxAu TRL'ONGBAI HOC AN GIANG THU VIEN TAINGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON CHI NHANH HUYEN VINH THANH Chuyen Nganh: Tai Chinh Doanh Nghiep LOfP: DH10TC - MSSV: DTC093420 KHOA LUAN TOT NGHIEP DAI HOC GVHD: TS TO THIEN HIEN KHOA KEVH TE - QUAN TRIKENH DOANH TRET^NG DAI HQC AN GIANG II :?-.iVJsT-\ •*-.-it.n:i- IS; Si! Nguai huang din: TS TO THEN HEN (Ho ten, hoc ham, hoc vi va chu ky) Ngu6i chlm, nhan xet 1: (Ho ten, hoc ham, hoc vi va chit ky) -••v::;^ lii^'tiiJ'f^J !i"X!,j;:: Nguai chlm, nhan xet 2: •1 (Ho ten, hoc ham, hoc vi va chit ky) ;•'',• i:'!'"; ;.^;i:.;;-i v, '.-,' "'•;' t: ••;*."•::' ^r.'i'oi^vi ii-lf^;;'^ ~ :ii^ • lohcAmon Trong su6t qua trinh hpc tap tai Truang Dai hoc An Giang cftng vdi thai gian thuc tap tai Ngan hang Nong nghi^p va Phat triin Nong thon - Chi nhanh huyen Vihh Thanh, toi da dupe hpc va tich luy nhiiu kiin thurc qaf bdu cho chinli ban than minh DSu tien, toi xin bay to long biSt an sau sic din quy thiy co trucmg Dai hpc An Giang, dac biet la cac thiy co khoa Kinh ti - Quan tri Kinh doanh da tan tinh giang day, trang bj cho t6i nhttng kiin thiic quy bau 04 nam vvra qua Toi xin guri lai cam an chan nhit din thiy TS To Thien Hiin da nhiet tinh huang dan, chinh sura nhftng sai sot va dong g6p ^ kien de toi hoan khoa luan tit nghiep dai hpc Chile quy thay co dupe nhieu siic khoe va gat hai nhiiu th^nh c6ng cupc sing! Toi xin chan thftnh cam an Ban Giam doc Ngan hang Nong nghiep va Phat triin Nong thon - Chi nhanh huypn Vihh Thanh, xin cam an anh Truang Van Xay, cftng e^e anh, chi, co, cM tai Phong Giao dich Thanh My da t^n tinh chi d^n, tao dieu kien cho toi lftm quen vdi m6i trucmg lam viec thuc t^ tai dan vi va ho^^n tit khoa luan tot nghiep Xin chiic Ban Giam die va ede can bp, nhan vien tai dan vj dii dao s^c khoe, nhiiu may man va cang thang tiin cong viec, cupc song! Chiic Ngan hang N6ng nghiep va Phdt triin Nong thon huyen Vihh Thanh cang phdt triin va dat hi^u qua cao! Toi xin chan cam an! Sinh vien thuc hien DodnThiHuyinTran O : i ! : : iSSSSS.SSESSSSSSSSi ! | : : ! : : : : : : : : : : : ! : : : : : : : : : : : : : : : i : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : i : : i: : : : : : : : : : : : : : : : I ! j : I ! : i : : : : : : : : : ; : : I ! : : : : : | | : : : : : : : : : : : : : : : : : : : : i : : : : : : I ! : : : : : : : : : : : : : i : : : : : : ; : : : : : : I : : iiiSiiiiiSiiiiSiiiiiiSSiiiiiiii NHAN XET GUA GIANG VIEN PHAN BI^N TOM TAT Trong tinh trang nen kinh te kho khan ma su canh tranh giua cac ngan hang cang gay g^t thi ng x^u la kho tranh khoi Ng xau la ng bi nghi ngo ve kha nang tra ng, ng xdu cang ldn thi rui ro hoat dong tin dung cang cao, hieu qua hoat dong va tinh canh tranh cung bi anh hubng khong tot Do do, cac ngan hang luon tim each de han che rui ro a mure thap nhat Nhung trudc tien, ngan hang can danh gia lai tinh hinh no xau tai dem vi de co thS tim nguyen nhan, nhan nhung han chS cin khic phuc cong tac xu ly ng xau de tur tim hudng giai quyet mot each hop ly va hieu qua nhat Qua cho thdy, nghien cun ve ng xau la mot cong viec co y nglna va can dugc thuc hien Xuat phat tu tinh hinh thuc te, toi chpn de tai "Xu ly no xau tai Ngan hangNong nghiep va Phat trim Nong thon - Chi nhdnh huyen VTnh Thanh", dS nghien cun vdi 03 muc tieu chinh: -' Phan tich tinh hinh ng xau tai Ngan hang Nong nghiep va Phat trien Nong thon huyen Vinh Thanh -Danh gia cong tac xii ly ng xau tai Ngan hang Nong nghiep va Phat tri^n Nong thon huyen VTnh Thanh t -De mot so giai phap nham nang cao hieu qua xu ly no xau tai don vi thuc tap Ngoai tru phin mo ddu, kiln nghj va ket luan thi noi dung chinh ciia khda luan bao gom: -Chuong 1: Co so ly luan ve xii ly ng xau ciia ngan hang thuong mai -Chuong 2: Gioi thieu tong quan ve Ngan hang Nong nghiep va Phat trien Nong thon - Chi nhanh huyen VTnh Thanh -Chuong 3: Phan tich ng xiu va cong tac xu ly ng xau tai Ngan hang Nong nghiep va Phat trign Nong thon huyen VTnli Thanh -Chuong 4: Mot s6 giai phap nang cao hieu qua xu ly ng xau tai Ngan hang Nong nghiep va Phat tri^n Nong thon huyen VTnh Thanh GVHD: TS To Thien Him SVTH: Dodn ThiHuy'e n Tran MUCLUC XRANG PHU BIA LCH CAM ON TOM TAT M1,JC LUC D ANH MUC CAC KY HIEU, CHU" VIET TAT DANH MUC CAC BANG DANH MUC CAC HINH VA BlEt BO MCfBAU1 1.Co so hinh de tai1 2.Muc tieu nghien curu cua de tai2 3.Boi Lrong va pham vi nghien cuu2 4.Phucmg phap nghien cuu de tai3 5.Y nghia nghien cuu cua de tai4 CHUONG 1: CO SO' LY LUAN VE XC LY NO XAU CUA NGAN HANG THUONG MAI'.5 1.1Tong quan ve ngan hang thuong mai 1.1.1Khdi niem ngan hang thwang mai5 1.1.2He thing ngan hang thwang mai Viet Nam5 1.1.3Cdc nghiep vu cua ngan hang thwang mai6 1.2Nhung van de chung ve tin dung6 1.2.1 Khdi niem ve tin dung6 1.2.2 Phan loai tin dung6 1.2.2.1Can cievdo thaihan6 1.2.2.2Can at vdo ddi twang thwc Men TD cho SXKD7 1.2.2.3Can cievdo muc dich sw dung von7 1.2.2.4Can cievdo tinh chat dam bdo tin dung7 1.2.3 Chwc ndng va vai trb cua tin dung7 1.2.3.1Chiec ndng cua tin dung7 1.2.3.2Vai tro ciia tin dung8 GVHD: TS To Thien Hiin SVTH: Doan Thi Huyen Trdn.ii 1.2.4Nguyen tdc va dieu kien ciia tin diing'.8 1.2.4.1Nguyen tic tin dung.8 1.2.4.2Dieu kien tin dung9 1.2.5Dam bdo tin dung9 1.2.6Rui ro tin dung:10 1.3 Nhung van de chung ve na xau cua ngan hang thircrng mai11 1.3.1Phdn nhom na va ^ich'lap dwphbng11 1.3.1.1Phan nhom na11 1.3.1.2Trich lap diephong13 1.3.2Khdi niem no Xau ;14 1.3.3Phan nhom naxau15 1.3.3.1Dua vao TSDB•75 1.3.3.2Dua vao thai gian qua hqn75 1.3.4Dau hieu nhqn Met naxdu16 1.3.5Nhung chi tieu ca ban phan dnh no xau cua NHTM17 1.3.6Nguyen nhdn dan den npxdu cua cdcNHTM17 1.3.6.1Nguyen nhdn chu quan18 1.3.6.2Nguyen nhdn khdch quan18 1.3.7Anh hw&ng cua npxdu19 1.3.7.1Anh huang cua nqxau doi vai ngan hang thuangmai19 1.3.7.2Anh huang cua naxau doi vai nen kinh te20 1.3.8Vai trb va chive ndng cua cdng tdcxiely naxdu20 1.3.8.1Vai tro ciia cong tdc xie ly naxdu20 1.3.8.2Chile nang cua cua cong tdc xie ly naxdu21 1.3.9Nguyen tacxivly npxdu ciia cdcNHTM21 7J.70 Co chixiv ly npxdu:22 1.3.11 Bienphdp xiv ly npxdu cua ngdn hang thuong mai24 GVHD: TS To Thien Hien SVTH: Doan ThiHuyen Trdn CHtTONG 2: GIO1 THIEU TONG QUAN VE NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON - CHI NHANH HUYEN VINH THANH26 2.1Lich sir hinh va phat triSn26 2.2Llnh vuc hoat dpng va san ph^m chinh28 2.3Co c^u t6 chiic:28 2.4Choc nang, nhiem vu cua cac phong ban29 2.4.1Gidm 48c:29 2.4.2Pho gidm doc 29 2.4.3Phong tin dung 29 2.4.4Phong ke todn vd ngdn quy30 2.4.5Phong Giao dich Thanh My31 2.5Chiic nang, nhiem vu cua Ngan hang Nong nghiep va Phat trien NongthonhuyenVInh Thanh31 2.5.1Chiic nang31 2.5.2Nhiem vu32 2.6Thuan loi va kho khan cua NHNo & PTNT huyen VTnh Thanh32 2.6.1Nhieng thuan I^i32 2.6.2Nhwng kho khan34 2.7KSt qua hoat dpng kinh doanh giai doan 2009 - 201236 CHlTONG 3: PHAN TICH NO XAU VA CONG TAC XU' LY N^ XAU TAI NGAN HANG NONG NGHIEP VA PHAT TRIEN NONG THON - CHI NHANH tlUYEN VINH THANH41 3.1Phan tich hoat dong huy dong von tai Ngan hang Nong nghiep va Phat trien Nong thon huyen Vtnh Thanh41 3.1.1Tien gui cua to chitc kinh te42 3.1.2Tiin gin cua dan etc43 3.1.3Phdt hdnh giay td cd gid44 3.2Phan tich hoat dpng cho vay tai Ngan hang Nong nghiep va Phat triin Nong thon huyen Vinh Thanh46 3.2.1 Doanh s6 cho vay^47 GVHD: TS To Thien Hien SVTH: Dodn ThiHuyin Iran 3.2.1.1Doanh so cho vay theo thai han tin dung.48 3.2.1.2Doanh so cho vay theo ngdnh49 3.2.2Doanh sd thu na53 3.2.2.1Doanh so thu na theo thai han tin dung53 3.2.2.2Doanh so thu na theo ngdnh55 3.2.3Vi tinh hinh du na58 3.2.3.1Dirnatheo thai han tin dung55 3.2.3.2Dirnatheo ngdnh60 3.3Thuc trang ng xauva xii ly ng xau tai Ngan hang Nong nghiep va Phat trien Nong thon huyen Vrnh Thanh64 3.3.1Tdngso naxdu vd ty le naxdu (naxau/tbng dung)64 3.3.2Naxduphan theo theti han tin dung66 3.3.2.1Naxdu trongcho vay ngan han67 3.3.2.2Naxdu trongcho vay trung & ddihan68 3.3.3Naxdu phan theo ngdnh70 3.3.4Naxdu phan theo nhom76 5.5.5Naxdu phan theo tinh chat dam bdo tin dung79 3.3.6DPRR da trich vd ty le khd nang bit dap rid ro tin dung81 3.3.7Xie ly rid ro vd thu na da xir ly rid ro83 3.4Danh gia cong tac xu ly ng x^u tai Ngan hang Nong nghiep va Phat triSn Nong thon huyen VTnh Thanh86 3.4.1Nhii-ng thdnh tuu dot duac cong tac xu- ly naxdu tai NHNo & PTNT huyen Vtnh Thanh86 3.4.1.1Nguyen nhdn chu quah55 3.4.1.2Nguyen nhdn khdeh quan90 3.4.2Nhii-ng han che ton tai cong tac xu- ly na xau tai NHNo & PTNT huyen VXnh Th^nh92 3.4.2.1Nguyen nhdn chit quan92 3.4.2.2Nguyen nhdn khdeh quan94 GVHD: TS To Thien Him SVTH: Doan Thi Huyin Trdn Xu ly ncrxau tai Ngan hang Nong nghiep va Phdt trien Nong thon — Chi nhdnh huyen VTnh Thanh Thanh Nhimg khai niem neu cung phln nao giai thich dugc nhung kho khan, thic mlc cho ngudi doc qua trinh lmh hoi bai viSt NHNo & PTNT huyen VTnh Thanh da dugc giai thieu mot each cu thS, ro net ve lich su hinh va phat trien, nhiem vu, chuc nang hay nhung thuan lgi kho khan hoat dpng cua dem vi Mot co cau to chiic hgp ly • tai don vi hay trach nhiem cu the ciia tung bo phan cung dugc trinh bay Ben canh do, ket qua hoat dgng kinh doanh cua don vi da dugc thS hien ro rang Qua do, cho thay don vi da hoat dpng co hieu qua thai gian qua Thu nhap, lgi nhuan khong ngung tang len, quy mo hoat dpng cang dugc ma rpng Tuy nhien, dan vi cin co nhung nhung chinh sach hop ly • han viec dieu hanh hoat dpng, thuc hien tiet kiem tranh lang phi de hieu qua hoat dpng khong ngung dugc nang cao, tang tinh canh tranh, nang vi the cua dan vi tren thi truang Nliung hoat dpng chu ygu cua NHNo & PTNT huyen VTnh Thanh da dugc mo ta mot each chan thuc: Ve hoat dpng huy dpng v6n: VHB cua Ngan hang lien tuc tang, day la nen tang quan cho viec md rpng TD VHB cua dan.vi chu yeu la tien gui cac cac ting lap dan cu, do dan vi cln thu hut them ngufin von tur nhieu nguon khac de md rpng quan he giao dich va tang lugng tien nhan ri dugc dua vao Ngan hang Bdi tang huy dpng von thi lugng chi phi bo cung phai khong nhd, nen dan vi can kiem soat chi phi chat che han, dam bao hieu qua hoat dpng V hoat dpng cho vay: NHNo & PTNT huyen VTnh Thanh da dat nhigu tuu dang ke hoat dpng cho vay nhur BSCV, BSTN, du ng khong ngung tang qua cac nam nhimg nguyen nhan chu quan va khach quan khac Bieu chung to, quan he TB cua don vi da dugc md rpng va hieu qua han Tuy nhien, du ng cua cac nganh cong nghiep, xay dung thlp, BSCV ciia nhimg nganh bi han che Bu day khong phai la the manh ciia huyen nhung chiing lai cd nhieu tiem nang phat trien GVHD: TS To Thi?n Hien SVTH: Dodn Thi Huyen Trdn''115 Xu ly ng xau tgi Ngdn hang Nong nghiep vd Phdt trien Nong thon — Chi nhdnh huyen VTnh Thanh mot tirong lai khong xa, do dcm vi cln quan tam ma rpng quan he vdi nhung nganh hon Them vao do, du no thi khong chi chiia nhOng khoan ng mdi phat sinh, nhung khoan ng han ma bao gom ca nhung khoan ng qua han, bdi the Ngan hang can thudng xuyen kiem tra nhung khoan TD da cap de co hudng ngan chan, xu ly nhung rui ro co the phat sinh mot each kip thdi va hop ly Ve cong tac xii' ly ng xau: ng xau ciia Ngan hang da dugc giam bdt, dac bift la nam 20.12 Ty le ng xdu nam 2012 chi 3,5% ty 16 d nam 2011 la 6,74% Do la tuu dang khich le va cdn phat huy han nua tuang lai de giam ty le ng xau, giam rui ro cho dan vi Song song vai viec phan tich ng xau thi nhung tuu, han ch6 cong tac xrt ly ng xlu tai NHNo & PTNT huyen Vinh Thanh cung dugc th6 hien, nh^m giiip don vi nhan ro han nhung uu diem, khuyet diem ciia minh, de tu nhung khuyet diem s6 dugc khic phuc va uu diem se dugc phat huy Muc tieu, phuang hudng, nhiem vu hoat dong cua Ngan hang dugc trinh bay, lam ca sd cho viec lua chgn giai phap nhim nang cao chdt lugng cong tac xu ly ng xau tai NHNo & PTNT huyen VTnh Thanh nhu mgt s6 giai phap ve nghiep vu chuyen mon, giai phap ve cong nghe hay quan tam han ve chinh sach dau tu phat trien nguon nhan luc - Do la nhGng noi dung ma khda luan da trinh bay xuyen sudt tu bat dau cho den ket thiic va hoan Tom lai, xu ly ng xau la cong viec khong de dang, Ngan hang can phai thudng xuyen kiem tra, phan tich cac khoan vay, tuan theo nhung quy dinh ve phan loai ng va trich lap dg phdng theo quyet dinh cua cac ngan hang cap tren Tir do, co bien phap tich cue han, hieu qua han de xu ly mot each triet de va khong de ng xau tai dien Do la thach thiic ma don vi c^n co nhting no luc han nua va cung c^n su ho trg, giiip da tu cac ca quan him quan de cang gat hai nhieu cong tren nhung chang dudng sap tdi GVHD: TS To ThienHien SVTH: Bodn Thi Huyin Trdn116 Xic ly npxdu tai Ngdn hang Nong nghiep vd Phdt triin Nong thon - Chi nhdnh huyen VXnh Thanh TAI LIEU THAM KHAO Sack tham khdo: 1.PGS - TS Nguyin Dang Dan 2011 Nghiep Vu Ngan Hang Thuang Mai TP H6 Chi Minh: NXB Dai Hoc Qu6c Gia Thanh Ph6 H6 Chi Minh 2.PGS - TS Su Dinh Thanh va TS Vu Thi Minh ffing 2008 NhSp Mon Tai Chinh TiSn Te TP H6 Chi Minh: NXB Lao Dong Xa Hoi 3.PGS - TS Trim Huy Hoang 2011 Giao Trinh Quan Tri Ngan Hang Thuong Mai Ha Npi: NXB Lao dong - Xa hoi Bdo cdo ket qua hoqt dong kinh doanh: 4.NHNo & PTNT huyen VTnh Thanh 2009 Bao cao t6ng k^t tinh hinh hoat dong kinh doanh nam 2009 5.NHNo & PTNT huyen Vinh Thanh 2010 Bao cao t6ng kSt tinh hmh hoat dong kinh doanh nam 2010 6.NHNo & PTNT huyen VTnh Thanh 2011 Bao cao tdng kSt tinh hinh hoat dong kinh doanh nam 2011 7.NHNo & PTNT huyen Vmh Thanh 2012 Bao cao tdng k^t tinh hinhhoat dong kinh doanh nam 2012 Tdi lieu tham khdo tren internet: 8.Khdng ten 12.09.2011 Ty le no xiu cua Agribank len 6,67% [true tuyen] Viet Bao Doc tir: http://vietbao.vn/Kinh-te/Ty-le-no-xau-cua- Agribank-len-6-67/2131365230/87/ (Docngay 10.03.2012) Anphatn chinh thiec cua Nhd nude: 9.NHNN Viet Nam 2002 Chi' thi s6 01/2001/CT - NHNN, 07 thang 01 nam 2002 Ha Noi GVHD: TS To.Thien Hien SVTHrDodnfhiHuySn'Trdn117 Xii ly naxdu tqi Ngdn hang Nong nghiep vd Phdt trien Nong thon — Chi nhdnh huyen VTnh Thanh 9.NHNN Viet Nam 2005 QuySt dinh s6 493/2005/QD-NHNN, 22 thang nam 2005 Ha Npi 10.NHNN Viet Nam 2005 QuySt dinh s6 18/2007/QD-NHNN, 25 thang 04 nam 2007 Ha Noi 11.NHNN Viet Nam 2010 Thong tu so 13/2010/TT-NHNN, 20 thang 05 nam 2010 Ha Noi 12.Quoc Hpi Viet Nam 2010 Luat so: 47/2010/QH12, Luat cac T6 chuc Tin dung 2010 Ha Npi Cac website: www.agribank.vn www.vietbao.vn http://thuvienphapluat.vn GVHD: TS To Thien Hien SVTH: Doan Thi Huyin Trdn118 I GTCG hinh Phat ddn cu TG cua TCKT l.TGcua d^ng Von huy Chi tieu 430 25.747 8.394 34.571 (Tr.flong) So tien 2009 Ty 1,24 74,48 24,28 100,00 .) So tien 2011 Ty (%) 681 60.978 25.330 0,78 70,10 29,12 86.989 100,00 (Tr.aong) Nam Ty (%) 9,67 67,58 22,75 287 21.222 7.309 28.818 S3 tien 66,74 82,43 87,07 83,36 % 2010/2009 (36) 14.009 9.627 23.600 So tien (5,02) 29,83 61,31 37,23 % 2011/2010 10.918 20.045 1.947 32.910 So tien 1603,23 32,87 7,69 37,83 % 2012/2011 (Ngudn: Phong Ki todn NHNo & PTNT huyen VTnh Thanh) 11.599 81.023 27.277 119.899 100,00 (Tr.aong) So tien 2012 Chcnh lech Phu luc s6 01: K6t qua huy dong v6n cua NHNo & PTNT huyen VTnh Thanh (giai doan 2009 - 2012) s I n a- 1' •a "T3 •: I •^; SV ThBoHuandnT Tr yin :i GV H To ThTSHi nneiH : D cong Tong Trung& dai han Ngan han Ch! tieu 297.388 48.356 249.032 (Tr.dBng) So tien 2009 Ty 100 16,26 83,74 (%) 374.610 74.452 300.158 (Tr.cMng) S6 tiSn 2010 Ty 100 19,87 80,13 (%) 2011 355.920 27.175 328.745 (Tr.dong) So tien Nam Ty 100 7,64 92,36 (%) 488.153 81.867 406.286 S6 tidn (Tr.d6ng) 2012 Ty ' 77.222 26.096 51.126 So tien 25,97 53,97 20,53 % (18.690) (47.277) 28.587 S6 tiSn 9,52 % (4,99) (63,50) 2011/2010 132.233 54.692 77.541 So tien At 37,15 201,26 23,59 2012/2012 (Ngudn: Phong Tin dung NHNo & PTNT huyen Vinh Thanh) 100 16,77 83,23 (%) 2010/2009 Chcnh lech Phu luc s6 02: Doanh s6 cho vay theo thai han tin dung tai NHNo & PTNT huyen VTnh Thanh (giai doan 2009 - 2012) (X) 32 cgng Tong Khac Xay dtrng TM-DV Cong nghigp Thuy san Nong nghigp Chi lieu 297.388 18.793 2.025 57.576 14.333 112.435 92.226 (Tr.aong) So ticn 2009 Ty 100 6,32 0,68 19,36 4,82 37,81 31,01 (%) trgng 374.610 31.803 7.965 107.645 28.840 84.299 114.058 (Tr.aong) So ticn 2010 Ty 100 8,49 2,13 28,74 7,70 22,50 30,45 (%) trgng 2011 355.920 32.091 3.420 129:318 6.450 80.419 104.222 So tik (Tr.a6ng) Nam Ty 100 9,02 0,96 36,33 1,81 22,59 29,28' (%) trgng Ty 100 9,64 0,43 27,11 1,64 24,97 36,22 (%> 77.222 13.010 5.940 50.069 14.507 (28.136) 21.832 So tik 25,97 69,23 293,33 86,96 101,21 (25,02) 23,67 % 2010/2009 (18.690) 288 (4.545) 21.673 (22.390) (3.880) (9.836) So tik (4,99) 0,91 (57,06) 20,13 (77,64) (4,60) (8,62) % 2011/2010 132.233 14.960 (1.340) 3.014 1.550 41.462 72.587 So tik 37,15 46,62 (39,18) 2,33 24,03 • 51,56 69,65 % 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen Vinh Thanh) 488.153 47.051 2.080 132.332 8.000 121.881 176.809 (Tr.aong) So tik 2012 Chenh lech Phu luc s6 03: Doanh s6 cho vay theo nganh tai NHNo' & PTNT huyen Vinh Thanh (giai doan 2009 - 2012) I I i I i^ g: ^^ Tong c8ng dai han Trung& Ngan han Chi tieu 252.094 25.502 226.592 (Tr.dong) So tien 2009 Ty 100 10,12 89,88 (%) 326.623 40.633 285.990 (Tr.dong) So tien 2010 Ty 100 12,44 87,56 (%) So tien 2011 338.718 49.065 289.653 (Tr.d6ng) Nam Ty 100 14,49 85,51 (%) 411.570 49.798 361.772 (Tr.d6ng) So tien 2012 T^ 74.529 15.131 59.398 So tien 29,56 59,33 26,21 % 12.095 8.432 3.663 S6 ti6n 1,28 % 3,70 20,75 2011/2010 72.852 733 72.119 SdtiSn % 21,51 1,49 24,90 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen VTnh Thanh) 100 12,10 87,90 (%) 2010/2009 Chenh lech Phu luc s6 04: Doanh s6 thu na theo thai han tin dung tai NHNo & PTNT huy^n VTnh Thanh (giai doan 2009 - 2012) O I (X) I" I 09 I- a!>' to ^ i ^^ cons Tong Khac Xay dirng TM-DV Cong nghi^p Thily sin Nong nghiep Chi ticu 252.094 9.331 8.246 64.595 4.773 98.203 66.946 So Hen (Tr.dong) 2009 Ty 100 3,70 3,27 25,62 1,89 38,95 26,56 (%) trgng 326.623 22.299 2.218 70.379 36.870 106.189 88.668 So ticn (Tr.dong) 2010 Ty 100 6,83 0,68 21,55 11,29 32,51 27,15 (%) 2011 338.718 42.014 5.890 98.718 3.985 89.297 98.814 (Tr.d^ng) S.iliin Nam Ty 100 12,40 1,74 29,14 1,18 26,36 29,17 (%> 411.570 37.720 4.400 123.793 5.155 101.414 139.087 Sotiin (Tr.d^ng) • 2012 74.529 12.968 (6.028) 5.784 32.097 7.986 21.722 S6 f icn 29,56 138,98 (73,10) 8,95 672,47 , M3 32,45 % 12.095 19.715 3.672 28.339 (32.885) (16.892) 10.146 Sotin 11,44 % 3,70 88,41 165,55 40,27 (89,19) (15,91) 2011/2010 72.851 (4.294) (1.490) 25.075 1.170 12.117 40.273 Si lien 25,40 29,36 13,57 40,76 % 21,51 (10,22) (25,30) 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen VTnh Thanh) 100 9,16 1,07 30,08 1,25 24,64 33,79 (%) Ty 2010/2009 ChSnh l^^ch Phil lye s6 05: Doanh s6 thu na theo nganh tai NHNo & PTNT huyen VTnh Thanh (giai (loan 2009 - 2012) t ^l la cpng Tong dai han Tiling & Ngan han Chi lieu 242.213 46.270 195.943 sa nan (Tr.d6ng) 2009 Ty 100 19,10 80,90 (%) trpng 290.200 80.089 210.111 S8 tien (Tr.dang) 2010 Ty 100 27,60 72,40 (%) trpng 2011 307.402 58.199 249.203 sa nan (Tr.dong) Nam Ty 100 18,93 81,07 (%) 383.985 90.268 293.717 sa tian (Tr.deng) 2012 Ty 47.987 33.819 14.168 sa nan 19,81 73,09 7,23 % 17.202 (21.890) 39.092 sa tian % 5,93 (27,33) 18,61 2011/2010 76.583 32.069 44.514 sa tian % 24,91 55,10 17,86 2012/2011 (Nguon: Phong Tin dung NHNo & PTNThuyin VTnh Thanh) 100 23,51 76,49 (%) 2010/2009 Chlnh lech Phu lye sd 06: Dir net theo thai han tin dung tai NHNo & PTNT huyen Vihh Thanh (giai doan 2009 - 2012) I s ! a- a | I- •^ "3; Ty cpng Tong 242.213 15.497 100 6,40 290.200 25.001 7.782 0,84 2.035 dung Khac 75.646 15,85 38.380 DV Xay TM- • 10.120 nghiep Ty 68.464 26,65 100 307.402 15.078 5.312 2,68 8,62 106.246 26,07 4.555 107.747 (Tr.dong) So tiin 2011 35,26 (%) tnjng 2.090 ' 0,72 77.342 40,97 99.232 san Cong 4,18 102.339 (Trdiiig) So tiin 31,77 (%) 2010 76.949 S6 tiin (Tracing) ,2009 nghiep Thuy Nong tieu Chi Nam 100 4,90 1,73 34,56 1,48 22,27 35,05 (%) Ty trpng Ty 383.985 (79,35) (8.030) 47.987 9.504 5.747 19,81 61,33 282,41 97,10 (22,06) (21.890) 37.266 33,00 ^ 25.390 So tiin 2010/2009 17.202 (9.923) (2.470) •30.600 2.465 (8.878) 5.408 So tiin 5,93 (39,69) (31,74) 40,45' 117,94 (11,48) 5,28 /o 2011/2010 Chenhlfch 76.583 5.418 1.480 8.518 2.845 16.136 42.186 So tiin 24,91 35,93 27,86 8,02 62,46 23,57 39,15 % 2012/2011 (Ngudn: Phong Tin dung NHNo & PTNT huyen VTnh Thanh) 100 5,34 1,77 6.792 20.496 29,89 1,93 7.400 114.764 22,03 39,05 (%)• 84.600 149.933 (Tr.dong) So tiin 2012 Phu luc s6 07: Du no theo nganh tai NHNo & PTNT huyen VTnh Thanh (giai (loan 2009 - 2012) i ' a- a •I S a 09 s: •s? cong Tong han &dai Trung han Ngan lieu Chi 14.033 4.795 9.238 ' (Tr.dong) S6 ti^n 2009 Ty 100 34,17 65,83 (%) trdng 13.124 900 12.224 (Tr.ddng) So tien 2010 Ty 100 6,86' 93,14 (%) trpng 2011 20.593 6.249 14.344- (Tr.dong) So tien Nam Ty 100 30,35 69,65 (%) trpng 13.428 3.749 9.679 (Tr.dSng) S6tidn 2012 Ty 2.986 So tidn (909) (6,48) (81,23) 32,32 % 7.469 5.349 2.120 S6 tien % 56,91 594,33 17,34 2011/2010 (7.165) (2.500) (4.665) So tien % (34,79) (40,01) (32,52) 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen VTnh Thanh) 100 27,92 _J3.895) 72,08 (%) trpng 2010/2009 Chenh lech Phu luc so 08: No xdu phan theo thai han tin dung tat NHNo & PTNT huyen VTnh Thanh (giai doan 2009 - 2012) (>S 2> f • 3^ hiHuven ThHi nei SV BoanT T : GV H To TS : HD Tong c8ng Khac Xay dung TM-DV Cong nghiep Thuy san Nong nghiep Chitieu 14.033 870 298 1.700 50 6.352 4.763 So tien (Tr.dong) 2009 100,00 6,20 2,12 12,11 0,36 45,26 33,94 Ty 13.124 332 15 810 9.680 2.287 So tien (Tr.dong) 2010 100,00 2,53 0,11 6,17 73,76 17,43 Ty 2011 20.593 1.257 12 1.730 40 14.947 2.607 So tien (Tr.dong) Nam 100,00 6,10 0,06 8,40 0,19 72,58 12,66 Ty 13.428 44 1.555 10.231 1.598 So tien (Tr.dong) 100,00 0,33 11,58 76,19 11,90 Ty (909) (538) (283) (890) (50) 3.328 (2.476) So tien /a (6,48) (61,84) (94,97) (52,35) (100,00) 52,39 (51,98) 2010/2009 (20,00) 113,58 54,41 13,99 % 7.469 56,91 925 278,61 (3) 920 40 5.267 320 tien S6 2011/2010 Chenh lech (7.165) (1.213) (12) (175) (40) (4.716) (1.009) so tien % (34,79) (96,50) (100,00) (10,12) (100,00) (31,55) (38,70) 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen VTnh Thanh) 2012 Phu luc so 09: Ng x^u phan theo nganh tai NHNo & PTNT huyen Vinh Thanh (giai doan 2009 - 2012) I 99 S- if ^I I I Si X 3V B-; i r^ II xau 14.033 100 13.124 100 36,26 20.593 100 13.428 5.244 50,36 10.371 4.759 31,99 4.489 Tong ng Nhom5 1.372 15,27 3.145 24,85 3.261 30,31 4.253 Nhom4 6.812 trgng 34,37 (Tr.dong) 7.077 trgng 38,89 SO tiSn (Tr.dOng) 5.104 Ty 37,70 - SO tiOn 100 39,05 10,22 50,73 trgng Ty 6,01 270 (6,48) (23,32) (992) (909) 1.973 (3,53) (187) 7.469 5.612 (116) SO tiOn 56,91 (7.165) (34,79) (49,44) (5.127) 117,92 (56,38) (1.773) (3,56) (3,74) % (265) SO tiSn 2012/2011 38,66 * 2011/2010 So ticn 2010/2009 Chcnh lech (Nguon Phong Tin dung NHNo & PTNT huyen VXnh Thanh) • 2012 trgng Ty 2011 SO tiSn (Tr.dOng) Ty 2010 5.291 (Tr.dong) SO tiOn 2009 Nh6m3 Nh6m Nam 5hu luc sc 10:NgxS u theo nhom tai NHNo & PTNT huyen Vihh Thanh (giai doan 2009 - 2012) I f a SVTr ThBoyeHunoanT H:i GV ToHi ThTS nie:HiDn TSDB 620 13.413 Co TSDB Khong co 14.033 (Tr.dong) So lien 2009 Ty 4,42 95,58 100,00 (%) 590 12.534 13.124 (Tr.dong) So ticn 2010 Ty 730 19.863 95,50 4,50 20.593 (Tr.dOng) So ticn 2011 100,00 (%> Nam Ty 3,54 96,46 100,00 (%> Ty 5,14 94,86 100,00 (%) (4,84) (6,55) (879) (30) (6,48) % (909) So ticn 2010/2009 140 7.329 7.469 So ticn 23,73 58,47 56,91 % 2011/2010 (40) (7.125) (7.165) So ticn (5,48) (35,87) (34,79) 2012/2011 (Nguon: Phong Tin dung NHNo & PTNT huyen Vinh Thanh) 690 12.738 13.428 (Tr.dong) So tien 2012 Chenh lech 1: No xSu phan theo tfnh chat dam bao tin dung tai NHNo & PTNT huyen Vinh Thanh (giai doan 2009 - 2012) do: No- xau, dam bao Hinh thiic Phu luc so I I i^^ I ... ngoai: City Bank - Chi nhanh Ha Ndi, City Bank - Chi nhanh Thanh Phd Hd Chi Minh, May Bank - Chi nhanh Ha Ndi, Bangkok Bank - Chi nhanh Thanh Pho Hd Chi Minh -NHTM 100% vdn nude ngoai: Shinhan... 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