Mum% mai c6 phin Tien Phong giai doan nam 2012 — 2014
Turk hinh doanh so cho vay lieu ding khdch hang cao cap
Bing 2.1 Doanh s6 cho vay tien ding khdch hang cao cap
Don vi tinh: trieu thing
Chi tau
Nam 2012 Nam 2013 Nam 2014
SO lien TY trong (%) Si din TS, trpng (%) So en A tiers TY tiring (%) Tong doanh x so cho vay KHCC 69.281 100,00 100.128 100,00 141.043 100,00 Doanh s6 cho vay tieu ding KHCC
12.945 18,68 15.569 15,55 20.072 14,23
(Ngu n:Bao cao thi ch1nh Trung tam lacich hang cao cap giai dogn nam 2012 -2014)
San pham cho vay tieu ding KHCC cua TPBank mai di vao hoat dOng chinh thuc tir nam 2010, tuy nhien nha sv hqc hoi vi ke thira kinh nghiem cia cac NHTM khac, trong nhang nam gin day sin phitm cho vay tieu ding KHCC cia TPBank da co nhung buck tiers nhAt clink
Tir bang 2.1 tren, to co the thAy hoat doing cho vay tieu ding KHCC c6 xu &Ong giam din vet trong trong doanh s6 nhung ye s6 Wog thi tang len. Day la mOt no Ivc cia TPBank khi dua ra sin phAm vay nay d6i vii KHCC. Giai doan nam 2012 — 2014, doanh se) cho vay tieu ding KHCC co sv tang truing rd ret. Nam 2012, doanh so cho vay tieu ding dat mac 12.945 trieu dong tucmg img 18,68% toting doanh so cho vay KHCC, tai thin diEm nay, sau hai nam dua ra thj truing san pham cho vay tieu ding KHCC, di kinh nghiem chua nhiEu trong hg thiing ngan hang, nhung bang sv tin Wing va giip der cia cac c6 ding, Trung tam KHCC da dtrqc 6 .4 xic yeti kha nhiEu KHCC gift chic vv quan 19, lanh dao trong nhiEu tinh vac nhu: Ming nghe thong tin, thucmg mai, djch vv,... gitip TPBank co the giii thieu va ban sin phim cho vay tieu ding, diEu nay mi ra mOt khai dAu tot cho sari phAm vay tieu dingKHCC eft TPBank, tuy s6 Itrog KHCC chua nhiEu nhtmg gia tri cac khoan vay tieu ding ding chiem s6 ltrqng 16n, Ching to san phAm cho vay nay co kha nang phat triEn tot tren thj truing.
Nam 2013, s6 tiers cho vay tieu ding KHCC tang 2.624 trieu so van nam 2012, 35
dot mirc 15.569 trieu ding, ttrcrng throng 15,55% tong cho vay KHCC. Hay la met kit qua ding duqc ghi nick, Uri nam 2013 la nam co nhiEu bien ding vEri TPBank not chung va TT.KHCC not rieng. Nam 2013 ding la th&i gian dinh dAu chang cluing 5 nam TPBank butte vao thj truing tai chinh soi ding nhung ciing day kh6 khan va thich thirc. Thi trireme tai chinh ngfin hang thai diem nay kha Idle khan sau cuec kitting hoang kinh te, nguei dan co xu huing it du to ham, nhung nhu cau ve chi tieu van khong co dau hi441 giim sat. Kinh to kho khan khien cho mii dei tuqng khach hang cep xu huing cat Mu tu, that chat chi tieu, lam cho viec phat trier san phim vay tieu dung KHCC ding kW) khan ham. Truk nhung dien bien kh6 khan chung di, TPBank da tap trung vao viec cham sic cac dei ttrqng KHCC hien hitu, khong chi dung loi a viec cho vay tieu ding. cac CBTD cim TPBank da thvc hien chitin luqc cham sic khich hang sau vay, to yin cho KHCC phtrang an vay vin phi hqp, quan tam va cham sic tai cac KHCC hien co, vita to duqc m6i quan he chat che gicra hai ben, vira gip phArt vao viec kiem soat va quin 19 cac min vay chat che han, ngan hang dinh gia chinh xac duqc viec thu hei my va quan 19 riti ro cho vay tieu dung KHCC, giam thieu tui ro mat' v6n trong thai gian kinh to kho khan.
Ring kit con sit cho vay tieu dung KHCC cu6i nam 2014 cho thi'y, tong se tier cho vay tieu dimg KHCC da tang len 20.072 trieu ding, bang 14,23% tiling cho vay KHCC, tang so yeti nam 2013 IA 4.503 trieu ding, tucmg Inv tang 28,92%. Str tang truing manh ve t6ng doanh s6 cho vay tieu ding duqc 19 giai ban, nam 2014, sau met thiri gian thay dOi be nhan dien thuang hieu TPBank da thu hitt duqc nhieu str cho cua khich hang. Neu truic day, khi nhac tai Ngfin hang Tien Phong, thi khong phai ai cling biet d6 IA ngan hang nao, the manh ra sao, thi ngay nay, TPBank da khan dinh duqc thuang hieu rii rang, khang djnh duqc vi tri•va ten goi cua minh tren thi truing ngan hang. Nhi buic ngoat Ay da lam tic ding tot tai uy tin cita Trung tam KHCC, trung tam da thu hilt duqc them nhieu KHCC han, ding vii nhung chinh skh uu dai ve cho vay hqp 19, quilt tranh, Trung tam KHCC da thu but duqc sv quan tam cim nhieu KHCC de sir dung san phim cho vay tieu dimg nay.
T6ng doanh s6 cho vay tieu ding KHCC chitm t9 tong thip trong hoot ding cho vay KHCC duqc 19 giai bEri phan khic KHCC cim TPBank nham tai cac dei ttnyng rat dac biet, htiu het la cac quan chic lanh doo cap cao cap Trung yang, Chinh phi', ben earth d6 KHCC cua TPBank con co del ttryng co thu nhap cao, co nang lye tai chinh on djnh, cac giim 46c cim cac doanh nghiep lon,... Cac nhem KHCC nay deu IA 'Mang nguEri c6 thu nhA'p cao, nhung loi khic nhau ye dia vj vi tam anh hutmg trong xa hei. HAu het nhung men giai ngan cho vay tieu ding ma TPBank hien co deu chua nen t6ng doanh s6 cho vay tieu dimg KHCC can it, tt
tong chin cao, nhung cling la mot du hieu cho Ufa) , TPBank van c6 co h6i de phat
trier hon naa san phim nay.
Nhin chung, qua nhung nam thay dal va Oat then, TPBank da khang dinh dtrqc ke hoach kinh doanh nhim tai 461 ttrgng KHCC co co 56 de ph& trien. Viec dun ra sin pliant vay tieu dung KHCC c6 kha nang phat trial hen rat tong doanh s6 cho vay tieu dung KHCC tuy tang kh6ng qua nhanh. nhung van la con s6 tang deu qua cac nam, the hien ring neu TPBank c6 ke hoach chitin ltrqc na ring, co (firth huemg cu the va thgc hien cac ke hooch nghiem the, thi viec phit trkin cho vay tieu dung KHCC thuan lqi va se dem loi ngu6n lqi ich on (firth cho ngfin hang.