I- Hađng ùn vađ dõch vuơ ùn uưịng
TOTAL LIQUIDITY COMPOSITION
ăô lađ hịnh thûâc thanh toân bùìng câc phûúng tiïơn thanh toân phi tiïìn mùơt nhû theê ATM, theê tđn duơng, theê tră trûúâc…, trong khi khưịi lûúơng thanh toân khưng duđng tiïìn mùơt tùng cao. Tyê troơng tiïìn gûêi trong TPTTT tiïịp tuơc tùng tûđ mûâc 83,64% cuêa nùm 2007 lïn mûâc 85,4% trong nùm 2008. Trong ăô, tyê troơng tiïìn gûêi bùìng VND chiïịm 65,03% trong TPTTT, tùng nheơ so vúâi mûâc 64,46% cuêa nùm 2007. Tyê troơng tiïìn gûêi bùìng ngoaơi tïơ chiïịm 20,37% TPTTT, tùng 1,19% so vúâi nùm 2007.
Huy ăương vưịn cuêa hïơ thưịng ngín hađng:
Tùng trûúêng huy ăương vưịn cuêa toađn hïơ thưịng TCTD ăaơt 22,87%, thíịp hún nhiïìu so vúâi mûâc tùng trûúêng 47,64% cuêa nùm 2007. Trong ăô, huy ăương vưịn bùìng VND tùng 21,38%, giăm maơnh so vúâi mûâc tùng trûúêng 53,99% cuêa nùm 2007. Huy ăương bùìng ngoaơi tïơ tùng 27,74%, giăm nheơ so vúâi mûâc 29,66% cuêa nùm 2007. Huy ăương vưịn cuêa khưịi NHTMNN tùng 18,78%, huy ăương cuêa khưịi NHTMCP, ngín hađng liïn doanh, chi nhânh ngín hađng nûúâc ngoađi vađ câc TCTD phi ngín hađng tùng 29,92%.
non-cash means of payment as via ATM, credit and debit cards, etc, while the volume of non-cash payments significantly soared. The ratio of deposits in total liquidity continued to increase to 85.4% from 83.64% in 2007. Specifically, VND deposits accounted for 65.03% of the total liquidity, a slight increase from 64.46% in 2007, and foreign currency deposits accounted for 20.37%, or up by 1.19% as compared to 2007.
Fund mobilization by banks:The growth rate of fund mobilization by credit institutions as a whole reached 22.87%, much lower than that of 47.64% in 2007, of which VND fund raising increased by 21.38%, a sharp decrease as compared to the rate of 53.99% in 2007. Foreign currency mobilization increased by 27.74%, a slight decrease from 29.66% of the previous year. Fund mobilization by state-owned commercial banks (SOCBs) was up by 18.78%, while that of joint-stock commercial banks (JSCBs), joint-venture banks, foreign bank branches, and non-bank credit institutions combined was 29.92%.
Tđn duơng tiïịp tuơc tùng trûúêng, ăâp ûâng nhu cíìu vưịn cho phât triïín kinh tïị: Nùm 2008, dû núơ cho vay cuêa toađn hïơ thưịng ngín hađng tùng 25,43%, thíịp hún so vúâi mûâc tùng 53,89% cuêa nùm 2007. Trong ăô, tùng trûúêng tđn duơng bùìng VND ăaơt 27,56% vađ tùng trûúêng tđn duơng bùìng ngoaơi tïơ ăaơt 17,61%.
Tùng trûúêng tđn duơng cuêa câc khưịi ngín hađng ăïìu ăaơt mûâc khâ. Trong ăô, mûâc tùng trûúêng tđn duơng nùm 2008 so vúâi nùm 2007 cuêa khưịi NHTMNN, khưịi NHTMCP, khưịi NH liïn doanh vađ nûúâc ngoađi, khưịi TCTD khâc líìn lûúơt lađ 19,25%, 22,49%, 46,55%, 46,27%.
Vïì cú cíịu tđn duơng, tđn duơng ngín hađng phuơc vuơ phât triïín nưng thưn (gưìm ngađnh nưng- lím- thuêy săn) chiïịm tyê troơng cao nhíịt trong cú cíịu cho vay theo ngađnh cuêa hïơ thưịng ngín hađng, ăaơt 28,84%. Tyê troơng cho vay ngađnh thûúng nghiïơp chiïịm 18,67%, cao hún mûâc 18,24% cuêa nùm 2007. Tyê troơng cho vay câc ngađnh cưng nghiïơp; xíy dûơng; víơn tăi, kho baơi, thưng tin liïn laơc vïì cú băn víỵn duy trị ưín ắnh nhû nùm 2007, chiïịm 25,81%; 13,76%; 5,29% tưíng dû núơ cho vay toađn ngađnh.
Credit continued to grow, meeting the demand of funds for economic development:
In 2008, the loan outstanding of the banking sector as a whole increased by 25.43%, lower than the growth of 53.89% of 2007, of which VND and foreign currency credit grew at 27.56% and 17.61%, respectively.
Credit growth by all types of banks was relatively high, of which the year-on-year credit growth of the SOCBs, JSCBs, joint-venture banks and foreign bank branches, and other credit institutions was 19.25%, 22.49%, 46.55%, and 46.27%, respectively.
By composition, bank credit for agricultural development (including farming, forestry and fishery) took the biggest share of 28.84%. Lending to the trade sector accounted for 18.67%, higher than the ratio of 18.24% of 2007. The ratios of credit to such sectors as industry, construction, and transportation, warehouse, and communication in the total credit outstanding basically kept unchanged as compared to 2007, at 25.81%; 13.76%; and 5.29%, respectively.
HUY ĂƯƠNG VƯỊN TÛĐ NÏÌN KINH TÏỊ
CAPITAL MOBILIZATION FROM THE ECONOMY
Tyê ăưìng
DIÏỴN BIÏỊN TIÏÌN TÏƠ
TĐN DUƠNG ĂƯỊI VÚÂI NÏÌN KINH TÏỊ
CREDIT TO THE ECONOMY
Nghịn tyê ăưìng