chfrng khoin gm tw - - -
5 Thu nhEtp tfr hoot dung ichic 4.736.456 61.653 64.034
6 Chi phi hotd dOng !chic - 13.500.001 31.636.368
Lii/18 thuin fir host ding
khic 4.736.456 (13.438.348) (31372.334)
LL
Thu nigh) tir g6p von, ma
co flan - - -
VIII CM phi host ding 5.060.703.896 9.894.794.104 10351.806.829
I
I
Lyi nhan than tfr host ding kinh doanh bin* chi phi dg pheng nil ro tin ding
488.981.603 2.923.740.833 41.721.816150
X
dyng
Chi phi dy pheng nil ro tin 36.830.392 2.080.489.874 15.463.041.328
XI Ting Iqi nhu$n trot thud 452.151.211 843.250.959 26.258.774.922
7 Chi phi thud TNDN hien
hark tam tinh - - -
8 Chi phi thug TNDN hoin lai -
- -
XII Chi tinh phi thud TNDN tsm - - -
XIII Lqi nhu$n sau thud 452.151.211 843.250.959 26.258.774.922
(Ngudn Phong ke tocin SHB chi nhdnh BSc Ninh)
Tuy duqc thank lap trong died ky nen kinh to yin con trong giai doan khe khiin va mac tieu de ra la trong ba narn du chi hoot dung an toan, xay dung co ciu ngu6n von On djnh, hien qua, the nhung SHB Bic Ninh da tUrng huge khdng djnh duqc vi the dm mirth tren dja ban hoat dOng. Dieu d6 duqc the hien qua ket qua hoat dOng kinh doanh dm chi nhanh. Lqi nhu$n sau thug tir narn 2012 khi bit dAu di vao hoat dOng chi la xip xi 452.151.211 dling MAIM 843.250.959 &mg vio Min 2013 tang 86,5%, va dac biet trong nim 2014 vita qua lqi nhu$n dat den mix 26.258.774.922 d'eng tang 3013,8% so v6i nam 2013, mOt thltnh tich vuqt bac ding t# hao cim SHB Bic Ninh.
C6 duqc thanh qua nhu vay la do SHB chi nhanh Bic Ninh da tang cao chit litmg thim djnh, nimg cao chit luqng khoim vay, quail 19 nq vay tot, don that khach hang tra nq kip thoi va xis 19 t6t clic khoan nq qui han.
2.2. Thyc trong host dOng thim djnh tai chinh dy in din tir trong host ding cho
vay t#i Ngin hang thirung mai co phin phin Sai Gen — Hi NO — chi nhlnh
Bic Ninh.
2.2.1. Quy trinh thibn 4nh tdi chink the do etilu 1w lei Nein bring &won mcd a
phi,. plain Sdi Gdn — Ho Nili— chi nhdnh Bic Ninh. (adsbygoogle = window.adsbygoogle || []).push({});
Thim dinh tai chinh du an n6i chung vi Mint djnh tai chinh du an not rieng la mOt phin ltheng the thieu bong quy trinh nghiep v# cho vay elm ngan hang, day ding la Gang doan kha phut tap 461 hal ki ten Mire tong hip va chuyen sau, kinh nghiep vi nhay cam nghe nghiep cim cac can b* thim dinh. NH TMCP SHB — chi &Mit Bic Ninh rat coi tong khau thim dinh fru& khi cho vay, va tuan thu theo cac buerc trong quy trinh thim djnh dui NH TMCP SHB.
Quy Innis titian ilinh 4 tin din ior coo chi &Mut
—Than djnh ale chi tieu phi tai chinh.
+ Niing lye phip Iu$t dan sv, &Mg lye Minh vi dan sit
+ Thong tin ye nhom khach hang co quan he lien quan ve so hay, quart tri dieu hanh.
+ Phan tich san phAm.
+ Phan tich host dOng dm doanh nghiep bao Om: Mu vao, du ra, wing lye hoot dOng san xuit kinh doanh, quy trinh san xuat.
—Thitm dinh cac chi tieu tai chinh. + Bing can d6i ke Man.
+ Bio do ket qua kinh doanh. + Phan tich cac he so tai chinh.
—Thong tin ve quan he veri cac t6 chic tin dung vit quan he yen SHB. + TOng hqp thong tin hien tai ve quan he ctia khach hang v6i SHB.
+ Quan he tin clung v6i cac to chirc tin clung khic theo thong tin khich hang cung dip vi dm phang thitm djnh.
+ Tong hqp th8ng tin 1•4 quan he tin dung ctia nham khach hang c6 lien quan din SHB va cac to chile tin dung khic.
+ Thong tin dm khach hang tren CIC (thing Win thong tin tin dung — Nem hang NM nutic Viet Nam).
—Phan tich nhu au tin dung.
+ Thong tin ca ban ye dg an (quy m6 vim dAu tu, vi tri du tu, tong muc von
du tu, ...)
+ Phip 15, dm du an.
+ Tinh hop ly dm quy mo dAu tit. + Thong tin ve cong nghe du an. + Nang lye quail 15, cua chit du tu.
+ Kha Ming trien khai thi cong dm the nhi thAu. + Kha nang von hanh dm du an.
+ KM nang tieu thy san phiun dm du in. + Hieu qua tai chilli' du an (NPV, IRR, T ...)