+ G6c: An han g6c t6i da 24 thing. Sau de tri nq du 3 thang/lAn.
+ Lai vay trong thin gian xay dimg nhap g6c 3 thanWlin bang hinh thic deg
ty nh#n nq de tri lai cho SHB.
+ Lai vay trong thin gian lchai thac se trai 3 thing/lan.
2.Z4. Thor trung cho vay dry tin au ter ifi chi ;shah 51111 Bic Ninh.
Being 2.18. Ty; If ny qud itqn trong cko vay trung ddi hgn tql SHB Bic Mak
(Don vi: (ling)
CM tau Nis 2012 Nis 2013 Ni. 2014
Tong du nq trong hops dOng cho
vay trung vit dai han 2.721.398.232 48.374.133.469 319.484.179.273 Nq qui him trong how dung cho
vay trung vi dii han 234.856.667 1.485.085.897 6.166.044.660 TS, le nq qui han trong horn dOng
cho vay trung vi did ham (%) 8,63 3,07 1,93
(Ngiain phong khlich hang doanh nghiep SHB chi nhanh Bit Ninh)
Nhin vio bang t9 nq qui hp trong host dOng cho vay trung vi dii hpn tai SHB
chi nhimh Bac Ninh co the May t9 le nq qua han tai chi nhanh nwly mOt giitm cg the Mm 2012 118,63%, Mm 2013 II 3,07% vi Mm 20141a 1,93% tren tong du nq trong host dOng cho vay trung va dai tu;tn tai chi nhanh. Twang duong chat luqng than' djnh tai chink du an diu to tong host dOng cho vay trung vi dhi han tai SHB Bic Ninh ngiy cling duqc nang cao. CO duqc ket quit My li nit vas dOi ngil can I* thim djnh cim chi nhanh not riling vi town b0 nhan vien cis chi nhanh not chung da lkn viec then mOt quy trinh chung cling yen su n6 lye kheng ngimg de c6 the phgc v4 khach hang
mOt cich tot Whit c6 the.
2.3. Binh gig vi chit Itryng thim djnh tai chinh dy in du turn tni Ngiin hang thrung mni a phis phis Ski G6n — HI NQi — chi nhinh Bic Ninh. thrung mni a phis phis Ski G6n — HI NQi — chi nhinh Bic Ninh.
2.3.1. Nkiing kit qud dqt Sept.
Trong nhttng WW1 qua Ong Mc thim djnh mi ngan hang SHB chi nlvinh Bic Ninh thuOc he thing NHTMCP Ski Gin — Hi NOi da dat duqc nheng thinh tuu that djnh 'Mc di duqc third' 1#p vi di vio host dOng chua dirge Mu dm g#p !Mang khe !den, bet ng6 trong mei twang kinh doanh. Nhung vei long guy& tam vi str doin kit that tri Ma ban lath (Lao cling Min the can bO ding nhan vien cis ngan hang va d#c biet la su khich le dOng vien cars cAp tren clang tic lam djnh cis chi nhanh ngly cling
holm thien han, dieu nay )(hong nhang gap phAn vio lqi ich ciia ngan hang khi ma myc dich chinh la thu hbi my g6c vi lei ma can dem loi lqi ich cho chinh cic chit deu tu, giap hq c6 du nguton von de lien Unit deu to to ra Iqi nhuan, too them cic m6i quan
hg vOi cic khich hang 16n qua d6 dang gap plan too nen phat trien cho nen kinh
Ket qui kinh doanh cling tang din theo cic nom tj/ tryng ng du tieu chuan ngay cAng cao trong khi le my Liu ngay can giam dang chimg td duqc thuc tong c8ng tac them djnh ce chit Itrqng va dot hieu quit ciia chi nhanh.
ve hoot dOng kinh doanh trong nhUng nom qua SHB chi nhanh Bac Ninh luen hoar thanh vtrqt mac ke hooch ciia 110i set SHB giao, tong nguon von huy dOng tang truemg deu trong the nom vi dac bier trong nom 2014 khi ma tinh hinh kinh to chung
van dang trong giai Boon Idle khan thi SHB Bac Ninh di c6 buOc tang twang vtrqt bac khi nguan von huy dOng dot 525.475.776.539 VND tuang ducmg tang 39,8% so v6i nom 2013. Tong doanh s6 cho vay dot 2.238.490.693.969 VND vi thu nh8p lei than tir hoot dOng cho vay dot 51.567.531.344 VND tang 312,2% so v6i nom 2013. Dieu nay chimg to hieu qua dm hoot dOng tin dung vi them djnh du in ciia chi nhanh ngay cang duqc ming cao.
DOi vOi chat luqng cho vay SHB chi nhinh Bic Ninh luon la mOt trong nhftng chi nhanh ca tS, le du nq qua hon 6 mac thap so vOi he thOng cac chi nhinh cos NHTMCP SHB. Neu nhu tje ly nq qui hon trong nom 2012 Ii 342.287.967 dOng chiem 7,84% va nom 2013 la 2.764.487.746 trieu dong chiem 3,84% thi trong nom 2014 nq qua hon 8.958.604.215 trieu dOng vi chi chiem 2,1%. Set di ca duqc kat qua tren li do hieu qua dm ding tac them djnh cling nhu kiem soot duqc rai ro tin dung. De thuc hien duqc tot Ong tic them djnh nhu vay la su ket hqp ciia rat nhieu yeu t6 nhu ve
quy trinh tilt= djnh, phucmg phip thAm djnh, nOi dung them djnh, nguOn thong tin va trinh 40, doo din ciia chinh cic can be thAm djnh.
2.3.2. Nheing hen chi.
Toi SHB chi nhanh Bac Ninh ben cant) nhftng thanh Um dot duqc trong hoot dOng them djnh tai chinh du in can ton toi mOt s6 hon cht, nhUng Idle) khan can duqc khic phyc.
Ve can b0 thAm djnh: Can b0 them djnh chi c6 mOt so can be) la can be tau nom
can loi hAu het la nhitng ngtrai mai vao net& can chua c6 kinh nghiem ng,hiep vu trong
khi d6 khoi Itnyng thim djnh du an IA rat letn vi rat da dong tren nhieu linh we, do de den hal cic can b0 tin dung phai ce trinh d0 ve chuyen m8n, kien thac ve cic van de (adsbygoogle = window.adsbygoogle || []).push({});
cua deri song, kinh 4, chinh trj, xft hOi. Kha Ming dy bio vi nhoy ben ciia the can 1,01 thAm djnh yeti thj trutmg
van can nhftng hen che nhat djnh bai dang can mang nhieu
so co xlt sau sic yen thoc 4 de danh gil tinh hinh thj Iruang vi de dua ra nhOng dv bao ce tinh chinh xac cao.
Ve nOi dung thAm djnh:
— Khi thim dinh thing win du to vi co ciu vein du Us: Cac can b0 them djnh che yeu doa vio cac thong tin do chi du to cung cap ma chua quan thin tai viec sti dong the nguan thong tin khac do d6 din den tinh kh8ng an Wan trong hoot dOng cho vay &xi cac chi' do an ce met xu hueng chung lit thiamg dua s6 tien can vay thap hon so vai thoc 4 de a6 the di ding hen trong qua trinh vay
von nhung se de loi nhemg hou qui kh6 luting ye sau. Khi fien hanh thim dinh ca eau von du hr, cac can b0 them djnh chi quan tam den co eau von vay vi
Win chit sa httu chit chua 4p trong vio thArn djnh win lint dOng hang can thiet cho du an bong khi day lid la met yeu to quan trong. Khong phii tat ca cac tit
sin luu dOng deu can duqc tii trq nguen von, &di khi chi can tai trq vio tii sin km dOng rang. Thot to cho thAy cac can b0 them djnh throng chit tong vio them djnh tong misc dau to vio tii sin cep djnh hen la vein luu dOng rang. — Khi than' djnh Ili suit chiet khan "r": nhin vio do an mit' 6 tren to c6 the they
can 130 thim djnh toi chi nhanh di tinh lai suit chiet khau chra vio tSr tong von
gap vi lai suit co bin ma nhi dau to mong muon ket hop voi lai suit cho vay dm nem hing dua ra de lam ca sa de u6c luqng tinh 'Ai suit chiet khAu. Ve
ban chat, lai suit chiet khAu phii duqc dim bio ba yeu t0 sau: bit dip duqc rut
ro, phin anh duqc chi phi se dung von oh do An vi phin anh hiEu qui sir dung von cite doanh nghiEp. Chinh vi v$y, viec sir dung lai suit cho vay vi lei
suit tiet kiem lam ca kr de thy luting lai suit chiet khan la c6 rut ro rat Item. - Khi them djnh doanh thu, chi phi, vi xac djnh thing tien dm do an: Khi tien
birth them djnh doanh thu vi chi phi cho du an the can be them djnh throng ap dung met min gia chung da la gia ban sin pham sau nay vi chi phi 13 gia mua cac yeti t6 dau vio dien hinh 6 do An miu 6 tren lit can be thAm djnh toi chi nhanh di hp vio gia thlnh cila cac can he vi nhi lien ke cite nhi dsu to do filth ma chua quan tam den cung ciu ells thj trubng vi yeu t6 lam phat mi cac chi tieu ney loi firth hu?mg rat Ian den ding tien hang nam ens do An. VA tren thoc to rat khe de c6 the tham dinh duqc the khoan chi nio li can thiet vi khoin chi nio li khong can thitt khi the do in di vio hoot dOng. NhCmg so
lieu nay c6 the se 1)1 chit dau to sari demi theo hueng c6 lqi cho chit dau to trong qua trill xin vay von vi cac can be them djnh chi c6 the dua vio kinh nghiEp thoc 4 dm minh de them dinh chinh xac the khoin thu chi nay. Met van de nCra thuang gip trong qua trinh phan tich tai chinh du an d61a da pal cac du
in diu dugc coi nhu von dau to thubng dugc be ra mOt Ian vio nim dau tien cea du in, nhung gen thuc to c6 the be vio nhieu giai down khic nhau WA quy m8 von li khic nhau ciut du in, vi do d6 tien c6 gii tri ve mat th&i gian nen dieu nay lim inh hueng den viec tinh town sai tech ve deng tien thuc to du in. — Khi thAm djnh cic chi tieu hiEu qui tai chinh: Da phan khi them djnh cic chi
tieu hieu qui tai chinh cic can b0 thAm djnh che yell chu gong vio 3 chi tieu d6 li : NPV, IRR vi thbi gian thu hal van (T). Miii chi tieu Igi c6 uu nhuqc diem rieng, uu diem cea chi lieu nay ce the !chic phuc dugc nhtrgc diem cea chi lieu kia nen trong thuc to viec ip dung linh hogt cic chi tieu tii chinh vi phii ket hqp chimg lgi yeti nhau mei c6 the cho dugc ket qui chinh xic nhAt. — VE ngu6n thong tin cho hoot dung dam djnh: Ngulin thong tin thu th$p cho
hogt dOng tham djnh chua dAy dit vi dm thieu chinh xic. Cic nguOn th8ng tin da phin li thy to cic chit dAu to vi khong dim bio tinh chinh xic. Tuy nhien van chua c6 met quy djnh XII phgt nio ve hinh vi cung cap thong tin k chinh xic, sai Itch thong tin nen van de nay nit khe khan cho cic cis b0 thAm djnh. Trong khi 46 cic ke'nh thong tin khic nhau cling chua dugc w quan tam dung mirc cling nhu van con mang tinh chat tucmg d6i. Kenh thong tin lien kit Ott cic ngan hang van con nhieu hgn chi do su quill truth thei thbi bag ngiy nay gitta cic ngtin hing li khi cao.
CHM:MG 3. MOT SO GIAI PHAP NHAM NANG CAO CHAT LUVNG TRAM Mil TAI CHINH Dki AN DAU Tlf TAI NGAN HANG TRAM Mil TAI CHINH Dki AN DAU Tlf TAI NGAN HANG THUVNG M4I CO PHAN SAI CON - HA NQI - CHI NHANII BAC NINH.
3.1. Dinh hirang dm ngan hang thirong mgi al phin Szli Gim - Hi NOi - chi nhinh Bac Ninh. nhinh Bac Ninh.
3.1.1. Dinh hiring chung.
Nham to dieu kien thuan lqi cho ngueri den cfmg nhu doanh nghiep c6 the tiep
can, sir dyng cac lien Ich cila djch vg nem hang cling nhu ngu6n von. Trong thai gian tOi SHB Bic Ninh se ma them ba phi:mg giao dich flea de phgc vg cho nguiri dim cling nhu he thong doanh nghiep tren dja bin. Ding thiri, ngfin hang cling se trien khai them nhie'u sari phim dich vg mai, se luon ding hanh sat canh ding doanh nghiep nham thito er moi Idle khan, vuOng mac ding theri cung cap cac nguiNn lye tai chilli) yen djch
At tot nhit. Ben canh 46, SHB Bic Ninh ding se day mph cong tac phat trien ngulin nhan lye c6 chat luqng cao, phong cach phgc vg chuy'en nghiep va xay dvng ngfin hang yang math han trong giai down hOi nhop elm dat ntrec.
3.1.2. Dinh Iowan vJ hog ilOng thins dinh IN chink dic tin Au hr.
Vai fro cita host dOng them djnh tai chiral dg an d6i v6i hoat dOng them djnh dir an, 461 v6i hoot dOng cho vay dm nein hang nei chung va hieu qua hot dOng dia ngan hang nin rieng da sem duqc SHB chi niuinh Bic Ninh nhin nhan va quan du' n 6 mire dO cao. Trong nam 2015, hoot dOng them djnh tai chinh dg an dm SHB chi nhanh Bic Ninh co rdang djnh htucmg sau: