Vi SHB chi nhanh Bic Ninh mai thanh lip nen so vai chi nhanh cimg dja ban cia cac ngan hang khic Mu: Vietinbank (1997), Ngin hang Diu to va phit trien (1996), Agribank (1988), Vietcombank (2004), Ngin hang Quin 1301 (2008),... la
ch(im hon rat nhieu. S6 lucmg chi nhinh, phang giao djch cis the NHTM khic tai Bic Ninh li rat nhieu, chinh vi voy, mai twang cinh tranh rat gay gat.
2.1.4. flat quit twat dlIng kink doank ail Ngdn hang shining Mid ci phin plan
Sat Gin - Ha Nfi - chi Sank Bic Ninh.
Ngin hang (long vai fro trung gian trong nen kinh te, hoot dOng n6i bat cua ngin hitng la huy dOng yen de cho vay. Chinh vi viy, huy dOng vim c6 melt vj tri cite ky
quan tang, li ca sa guy& djnh hieu qui mai hot dOng kinh doanh cite ngan hang. Trong that gian qua, SHB Bic Ninh lam quan tim, chit dOng tich eqc khai thac cac
nguen von duai mai hlnh iliac Whim dam bio ngu6n von dirge tang tnrang lien tqc vi
on dinh.
2.1.4.1. Hoyt dOng hay dfing
Nh$n iliac dirge tam quan tang cia hog dOng huy dt)ng yen del yeti hoit dOng kinh doanh cue ngfin hang, Ban Giarn (tic SHB chi nhanh Bic Ninh da b6 tri cic can bO c6 tiling lire vi chuyen man vat) nhang vj tri quan trang, lien Arc dai mai phuong each lam vier, dal mei ding tic phqc va, dam bio chit tin dai vai khach hang, met rOng mpg luai giao djch, da ding h6a cac hint' thirc huy dOng, too dieu kien thu hit
von thin rai tut cac t6 chac kinh to vi dan cu.
Bang 2.1 Ting hay et: yin tat NIB Bic Nish.
(Don clang)
Chi dila Nis 2412 Nis 2013 Nah 2014
Ting a6 ties buy dOug 164.093.101.290 375.877.881.716 525.475.776.539
Chinh lea (%) 0 129,1 39,8
Nguan von huy dOng caa chi nhanh tang tu 164.093.101290 dong nam 2012 len 375.877.881.716 ding nam 2013 twang duong tang 129,1%. Va Sim 2014 dat 5.525.475.776.539 ding Mang duong tang 39,8% so vol am 2013. DU chi mai &roc thanh 10p 3 nam, Stung 3 nam d6 cho they su tang twang taw khi firth hinh kinh to win dang kh6 lthiin. C6 duct kit qua teen hi nit vio d0c diem khu vtnc caa chi nhanh nem tong yang tam giac tang truang Hit NOi — Hid Pitting — Quimg Ninh, gin citc khu, cum ding nghieplern cita vOng tong di&n Bic BO vi sn na km Icheng ngung cn5a ale can b0 thuOc chi Minh SHB Bic Ninh vi disc diem khu Arc de chi nhanh.
Bang 2.2. Co aim hay gang van tgi SHB Bic Ninh.
(Don &dm)
ad tag Nis 2012 fails 2013 Mr 2014
g
It"
21
w s
1 Theo looi din gal 164.093.101.290 375.877.881.716 525.475.776.539 129,1 39,8
VND 131.356.542.455 302.379.611.730 420.948.138.294 130,2 39,2 Ngogi to 32.736.558.835 73.498.269.986 104.527.638.245 124,5 42,2 2 lbw did bp bay 164.093.101.290 375.877.881.716 525.475.776.539 129,1 39,8 Khong kt hp 29.462.778.028 89.287.443.520 103.018.264.325 203,1 15,4 Ngin hen 116.203.371.086 239.716.002.538 245.535341.753 106,3 2,4 Trung vi dii hgn 18.426.952.176 46.874.435.658 176.922.170.461 154,4 271,4
3.Theo thinh Pan
kink re 164.093.101.290 375.877.881.716 525.475.776.539 129,1 39,8
Dan cu 82.548.348.215 138.647.721.466 187.560.218.320 68,0 35,3
16 chat kinh ti 81.544.753.075 237.230.160.250 337.915.558.219 190,9 42,4
4. Theo can phim
din gai 164.093.101.290 375.877.881.716 525.475.776.539 129,1 39,8
Tien giri dumb loin 91.643.245.982 217.651.525.468 348.465.235.445 137,5 60,1
Tien girl het kitin
vi coat hp 72.449.855.308 158.226.356.248 177.010.541.094 118,4 11,9
(Nguan PhOng ke loan SHB Boc Ninh)
Theo lotti tier gni: Ty lri huy dOng v6n bing lien VND tai chi nhanh van chiem ty
tong lem. Tien girl bang ngoai te tang tuong d6i tern cu the nam 2013 so vol 2012 tang
124,5%, imam 2014 so v6i 2013 tang 42,2%. Tien gal bang VND du' tg tang twang 46116n en the nam 2013 so vii imam 2012 tang 130,2% vti aim 2014 tang 39,2% so veri imam 2013.
Theo thbi han huy dOng: TS, frog huy dOng ngin han tai chi nhanh chiem tjr tong lon phi hqp yen xu hi:Ong phit thin chung cos he th6ng ngin hang. Tien pH khong kji c6 xu huang tang manh cy the nAm 2013 tang 203,1% so Wri nAm 2012 vi nam 2014 tang 15,4% so vai nAm 2014. Tien gfri ngin han cing c6 xu hireng tang cv the nam 2013 so yeti nam 2012 tang 106,3% vi Mm 2014 tang 2,4% so yeti nam 2013. Tien gfri trung vi dii han cling tang nhanh cv the nam 2013 so vai nam 2012 tang 154,4% vi Mm 2014 tang 277,4% so v6i nam 2013.
Theo thanh phin kinh te: Tien gUi via t6 chin kinh to chiem trcing 16n tong cc au huy Ong von cos chi nhanh. Tien giri tar din cu tang nhanh cv the nam 2013 tang 68% so veri nam 2012 vi nam 2014 tang 35,3% so yeti nam 2013. Tien girl cif* t6 chfrc kinh to cling tang truOng nhanh cv the nam 2013 tang 190,9% so vai nAm 2012 vi nam 2014 tang 42,4% so yin nam 2013.
Theo sin phim tier girl: trong nhfing nam gin day vies thanh coin bing the di/ to nen phi Bien lim cho luqng tier huy dung thong qua tien girl thanh town tang len nhanh chung, tic de tang 137,5% vii Mm 2013 so v6i nam 2012 vi nam 2014 tang 60,1% so vei nam 2013. Luqng tien girl tiet kiem vi co Ict han cling tang deu d#n, nim 2013 tang 118,4% so viri nam 2012 vi nam 2014 tang 11,9% so yeti nam 2013.
Ca au huy dOng von cia SHB chi nhinh Bic Ninh dang duqc tang v6i chieu huOng tot. Luang von huy dung a din as tang trueong deu, lien girl kh6ng kt ban vi
tier girl ngin han co xu hireling tang a ve so luqng lin tt trqng, ngoii ra tiers gni cis cic t6 chile kinh t6 cling tang mph de li met tin hieu ding mimg cho chi nhanh.
2.1.4.2. Hoag dOng cho vay
Cho vay dung vai ire quan tog to nen tang cho sv ton tai vi phit trien cia met ngan hung. NO phan anh khli nAng sir dung von cis ngan hang vi ii nguan thu chi yen de hi' dip cho clic chi phi trong qui truth hoot dOng vi dem 131 lqi nhuin cho ngan hang.
Bang 23. Tank kink cho vay van tai SHB Bic Ninh.
(Arm vi: ding)
Cld dl. Nis 2112 Nis 2013 Niko 2014
.
,
i
...
4
Doanh so cho vay 11.240.649.015 282.058.178.158 2.238.490.693.969 2409,3 693,6
Doanh s6 thu nq 10.843.274.627 294.845.467.679 2.734.465.986.568 2619,2 827,4
Tong du nq 4.368.215.460 71.985.317.661 426.547.635.878 15479 492.5
Thong qua bang s6 doanh s6 cho vay, doanh s6 thu nq va t6ng du nq, c6 the they trong 3 main 2012, 2013 va 2014 vies sir dung von tai SHB chi nhanh Bac Ninh cling ngay cang dot hieu qua hon. Niim 2012 doanh s6 thu h6i nq Map hot doanh s6 cho vay ra nhung den am 2013 va 2014 thi doanh s6 thu hOi nq dil cao hon doanh s6 cho vay ra. TOng du nq tang truing rat nhanh el ve sh luong lin tS/ txvng, nam 2013 tang 1548% so v6i nam 2012 vi niim 2014 tang 493% so v6i nam 2013.
Bing 2.4. 7y le np' qui kph tpi SHB Bic Ninh.
(Don vi: dung)
CM 411, NS 2012 Nis 2013 NS 7014
T6ng du nq 4.368.215.460 71.985.317.661 426.547.635.878
No qui han 342.287.967 2.764.487.746 8.958.604.215
TS/ le no qui hp 7,84% 3,84% 2,1%
(Nguan Phong ke: todn SHB Bdc Ninh)
Tuy 14 mat chi nhinh mai duqc thanh lop nhung SHB Bic Ninh da dot duce nhing thinh Su ding ke. TS, le nq qui hp c6 xu hueng giant den qua cat nam theo xu Wang chung cia NH TMCP SHB. Nam 2012, tS/ le nq qui hp dm chi nhanh la 7,84%
thap hon rat tibia, so v6i tS/ le chung cia town he thong SHB la 8,8%; nam 20131a 3,84%
van Map Ilan 4,06% cis tout he thong \tit nam 2014 Ii 2,1% so v6i 2,4% cis town he thong nem hang.
2.1.4.3. Hoff gag Ichtic.
Ngoiti hoot dOng co bin la cho vay thi SHB chi nhinh Bic Ninh can chi Wing phit trien cic dich vti ngan bang nhu : Thanh coin queoc te, dich vu bito lank, dich vut ngfin guy...
Bang 2.5. Cic kopt dpng khdc tpi SHB chi nhdnh Bic Ninh.
Pon vi: dung)
Ai On Nan 2012 Nihn 2013 Nis 2014
Thu nhap S hoot dOng dich vu 13.918.369 448.431.162 805.318.385 Chi phi tir hoot dOng dich At 331.281.313 244.865.303 266.827.120 LAM a hont dung dich vut (317.362.944) 203.565.859 538.491.265 Lai/18 tot bon( dung kith
doanh ngoni hai 13.058 119.325.767 199.172.814
(Ngudn phong tocin SHB chi nhatth Bic Ninh)
Hopt dOng thank todn guile ti.
Hog dung thanh toth quec to ala chi nhinh tang math ca ve s6 men vi gii trj, dap (trig kip theri cic nhu ciu cita khich hang ve xuat nh#p khiu, g6p phin tich cvc tang twang nguiin yen, tin clung nei, ngoai to vi mer rung ngu6n thu djch vv. Cie can bo dm chi nhinh tuan thu chka the quy tranh, ky thuot, thao tic nghiep vv ve tie'p nhon, quin 19, !dem tra XII 1ST IX) ho sa thanh toin, dim bio thanh tom yen nuerc ngoai an Wan vi chinh xic. Deng theri tang cueing Gang tic tiep thi khich hang d#c biet li khich hang let, khich hing cep thu eau thanh toan quk to tai chi nhinh..
Dick vg brio lank.
Ngan hang SHB chi nhinh Bic Ninh cung cap dich vv bio lath cho cac to chile thuOc mqi thanh phin kinh to hog dOng trong Iinh virc sin xuit kith doanh, djch vv mi d#c biet la doanh nghiep hog dung trong vim xay lip veri thu tvc nhanh gqn vi cart tranh. Trong hai nary 2013 vi 2014 djch vtr bio lath did duqc ket qui cao. Doanh s6 bio lanh tang vi chit luqng bio Itinh cling duqc dim bio.
Cdc dick vp khdc :
Trong ba nam ke tir khi thanh 1#p den nay hog dOng djch vu khic nhu: kinh doanh ngoai hei, djch vv the nOi dja, the quoc te, dich vv nem quy cia SHB chi nhinh Bic Ninh da co nhemg btrerc flan vuqt b#c dem lai nguon thu nhop khong the vi lim tang uy tin cho nein hing. D3t duqc (lieu niy la do SHB Bic Ninh da ap dtmg nhtmg chinh sich hqp 19 ding nhu nhb vio Wing lvc nghiep vv, phong dich lim viec vi thai du tich cvc cua 401 ngii than %len ngtin hang.
Lai tir hog dOng djch vu cia SHB Bic Ninh tang throng manh qua dic nam cu the nam 2012 hog dOng djch vu cia SHB Bic Ninh bj 16 317.362.944 dring, den nam 2013 Ili 203.565.859 d0ng vi den het nam 2014 !Ai 538.491.265 tiling ttrcmg throng tang 164,5% so veri nam 2013. Hog dOng kith doanh ngoai hei cia chi nhinh cling deing g6p mOt phin khong nh6 vio tong 10 nhudn cita ngan hang cu the nam 2012 lai
13.058 d6ng thi den nam 2013 lai 119.325.767 46'ng vi den tam 2014 tang 199.172.814 clang. 199.172.814 clang.
C6 duqc ket qui thu v#y la nh6
he thong trang thiet bj cling nghe hien dai, co so vet chit khang trang, thii dO phuc vu chu dio v.i chuyen nghiep. NH TMCP Si i Gen — Hi NOi chi nhinh Bic Ninh da khing djnh minh la mOt t6 chin tin dung uy tin, dja chi tin c#y caa doanh nghiep vi nguei dart tren dja bin firth Bic Ninh cling nhu clic dja phircmg lan can. Dem den cho khach hing sv hii long v6i nhtmg sin phim, djch vv tii chinh ngan hing tot
2.1.4.4. Kit qua kogt Ong kink dna
Bing 2.6. Edo ato kit qua hops Ong kink doanh Ram 2012 - 2014
(floe vi: eking)
CM en 31/1212012 31/12/2013 31/12/21114
F
1 Thu nh$p tfr lai vi cau khoin
thu nh4p Wong ty 10.907.262.069 64.311.531.166 221.191.876.731 Trong do: Thu lai dials von 10.763.536.444 48.480.358.616 36.004.851.967 2 Chi phi !Ai vit citc chi phi
tuong Or lai 5.044.963.140 51.802.449.507 169.624.345.397
Trong do: Chi Iii dieu von 587.306.849 12.036.523.638 140.511.323.928
I Thu nhip Iii thutin 5.862.298.929 12309.081.659 51.567.531334
3 Thu Whip tfr host dung dich
91 13.918.369 448.431.162 805.318.385
4 Chi phi hoot dOng djch At 331.281.313 244.865.303 266.827.120