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
 
 
 ! 
"#$% 
&' 
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""'%0.*#$%&'()1*234
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5678 9:9;<
=>9?@7
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FGH(CI+2*$(4
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4*J()1K%I+L&$%&MC34N
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(VW%ED4/
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44423)DLDZ*2Z(P()3A#3*[%GMC()3*#-A,&.D-ED>%$DSA(1B
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444"#B(%*DH(3*`(*023*%`(ab()>#A(*()*DHZ-cA-B(*d""
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BT(*g*2()(VW4k44
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đối với doanh nghiệp vừa và nhỏ tại Ngân hàng Việt Nam Thịnh Vượng chi
nhánh Hà Tĩnh”.

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UA323%DO+3*`&Q(*GMC()&f&2(*)D21*23**B()
oRa quyết định cho vay: DH3UAI+,K%&Q(*3*[Z%*+v(*A,1*_()3*[Z
%*+v(W'%1*#L(-A,GBW'%3_()-DH3U[%I+A(%U•()gL(**MY()%U|3%DKZ&K(
%w(**w(*1D(*a#A(*3RA)#BD323%*_()%D(&MC33*+,f(%c323)DAD
&#$(%UME3%*w-DH3I+,K%&Q(*3*#-A,3z(Z*b%*+'3-B#323,K+%.0A+
 23%*_()%D(%*+%*vZ&MC3%*Q%UM\()-B323iO(3}GDO(I+A(
 )+t(3*#-A,3RA)P(*B()
 *`(*023*%`(ab()3RA)P(*B()
 BD0L(&LWiL#3RA1*23**B()
oGiải ngân: GB-DH3)DA#%Dy(3*#1*23**B()%UO(3m0YWƒ33*#-A,&r
3AW1K%%*]#*CZ&t()%`(ab()*_()%*M\()g)DAD&#$((B,%DK(
*B(*)DLD()P(%*]#()+,O(%~3Z*LD3}*B()*}A&.Dƒ()gZ*{*CZ-EDWb3
&`3*-A,3RA*CZ&t()%`(ab()f&LWiL#-DH3)DLD()P(&‡()Wb3&`3*g
3X(Z*LD%*]#a”D%*M\()q+,O(%w(**w(*%t(1*#3RA1*23**B()-B323
3*ƒ()%cGDO(I+A(&K(-DH3%UL%Dy(3*#()M\Di2(*B()
oGiám sát, thu nợ và thanh lý hợp đồng vay vốn: b3%DO+3RA-DH3)D2W
02%GB1DfW%UA-DH3%*|3*DH(323&Dy+1*#L(&r3AW1K%%U#()*CZ&t()%`(
ab()*_()%*M\()g)D2W02%iA#)tW323('Da+()0A+
 p]Wq—%1*23**B()3}0‚ab() (&‡()Wb3&`3*1*_()
 *]#a”D-DH3%*|3*DH(323&Dy+1*#L(&r%*dA%*+v(%U#()*CZ
&t()%`(ab()
 lDfW0#2%Wƒ3&'URDU#3RA1*#L(-A,%*_()I+A-DH31DfW0#2%0‚
ab() (-A,

u
 *]#a”D-DH3%*|3*DH(I+,%Uw(*%`(ab()2Zab()%U#()
K(%*\D*$(%UL(Cg(K+1*#L(-A,&MC3%*+*tD&X,&R3L(C).3-BGrD
%*w3#D(*M()*TA-b3RA1*23**B()-ED()P(*B()&r&MC3%*|3*DH(q#()
G‡3(B,0•GBW%*R%b3)DLD3*[Z%BD0L(%*K3*[Z*#€3)DLD%dA%BD0L(
3XW3.&t()%*\D%[%%#2(1*#L(-A,-B3*+,f(*t0m1*23**B()0A()GM+
%UJ
2%$%4'S(+9('W8T.58d
 =()('W8T.58dZW''R*8r80's
.c2%$A67('W8T.58d(>(+9<Y0['
(Đơn vị: triệu đồng)
( Nguồn: báo cáo hoạt động kinh doanh VPBank Hà Tĩnh 2009-2011)
p—%-yW€%)D2%UQ%+,H%&.DgaM(C&.D-ED>3RASA(1BT(*
GDO(%b3%V()%U#()"(VWDy+(B,(*w(3*+()%*f*DH(0|WYU'()3*#-A,
&.D-ED323>-Bq+*ME()(B,-Œ(&A()%DKZ%b3&MC3Z*2%*+,VW
4kgaM(CGBu44N/-B(VW4kkgaM(CGB"4"€3a{(VW4kk/g
(y(1D(*%Ki~%&X+)€ZZ*LD(*J()1*}1*V(a#-DH3%V()GrD0+[%*+,&'()
I+23A#3RA323()P(*B()1*DK(3*#GrD0+[%3*#-A,3h()Z*LD%V()%*]#
*OW-B#&}g(‚A(VW0A+3RA4kk/g323>&rq+[%*DH((*J()a[+
*DH+1*}1*V(%U#()*#$%&'()0L(q+[%1D(*a#A(*>#&}g3233h()
)€Z1*}1*V(*m(%U#()-DH3WYU'()%`(ab()g(*M()3*D(*2(*BT(*-Œ(
j
3}3#(0.%V()%UMY()&2()3*‡•-ED%.3&'%V()}%*f%*[,Uˆ()SA(1
BT(*&rU[%(nG|3%U#()-DH3WYU'()3*#-A,&.D-ED>()A,3L
%U#()&Dy+1DH((y(1D(*%K3}(*Dy+1*}1*V(f&2(*)D23b%*f-y3*[%
GMC()3*#-A,&.D-ED323>*m((JAg3*‡()%A3z(Z*LDq]Wq—%323
3*•%DO+1*23(JA
- Cơ c,u dư nợ đối v7i DNVVN phân theo kỳ hạn:
2%$A=()Z67(-+'tWYu'9
(Đơn vị: triệu đồng)

'\+
2]]^ 2]$] 2]$$
>M(C
F%U•()
„‰†
>M(C
F
%U•()
„‰†
>M(C
F%U•()
„‰†
n()aM(C
>
uj/k4 kk‰ "4" kk‰ u44N/ kk‰
A,()~(*$( uj/k4 kk‰ 4/u"j /kgej‰ /ju ju‰
A,%U+()*$( k k‰ "kN" /g4‰ 4kNu4 4‰
A,aBD*$( k k‰ "k kg"‰ u4" ‰
( Nguồn: báo cáo hoạt động kinh doanh VPBank Hà Tĩnh 2009-2011)
m3[+323W}(-A,3RASA(11*2n(&Q(*%*]#%*\D)DA(g%U#()&}323
W}(-A,()~(*$(G+_(3*DKW%F%U•()GE(-ED%UO(uk‰-B&€3iDH%(VW4k
3#(0.(B,GBju‰U#()(VW4kk3}%*f%*[,3*D(*2(*&r3}0|3*+,f(
aQ3*3m3[+323W}(-A,0A()3*#-A,%U+()*$((*Dy+*m(g3*D(*2(*1*_()
3*•3[Z%`(ab()3*#>Z*b3-b3*#-A,GM+&'()(JAgWB&rZ*b3-b
3*#3L*#$%&'()&X+%M%*DK%iQg3_()()*H0L(q+[%gWYU'()0L(q+[%
/
- Cơ c,u dư nợ v7i DNVVN theo ngành nghề:
2%2A=()Z678d+'tW0''/
„Đơn vị: triệu đồng)
'\+

2]]^ 2]$] 2]$$
>M(C
F%U•()
„‰†
>M(C
F%U•()
„‰†
>M(C
F%U•()
„‰†
n()aM(C
uj/k
4
kk‰ "4" kk‰ u44N/ kk‰
_()oGPWo()M
()*DHZ
k k‰ k k‰ k k‰
*Mm()W$Dg
aQ3*-b
e4j
u
Ne‰ uj e4‰ NeN4 "j‰
_()  ()*DHZg
qP,a|()
4ke

4N‰ u4NN ""‰ ueu// ‰
)B(*1*23 uk /‰ 4j e‰ "kkj j‰
( Nguồn: báo cáo hoạt động kinh doanh VPBank Hà Tĩnh 2009-2011)
.D%MC()3*#-A,3*R,K+3RA3*D(*2(*%vZ%U+()-B#323a#A(*()*DHZ

%*Mm()W$DgaQ3*-bg323a#A(*()*DHZ%U#()()B(*3_()()*DHZ0L(q+[%
P,3h()GB(*J()()B(*%vZ%U+()(*Dy+>
.3&'%V()%UMY()-yaM(C(*A(*3*}()(*[%GBY323>%*+'3
()B(*3_()()*DHZgqP,a|()g%U#()&}3*R,K+GB3_()()*DHZ0L(q+[%VW
4kk/g()B(*(B,3*•3*DKW%F%U•()4N‰g(VW4kkGB""‰-B(VW4k&r
GB‰F%U•()3RA()B(*3_()()*DHZ%V()1*_()3}()*TAGB323()B(*
%*Mm()W$DgaQ3*-b-B()B(*1*23)DLWaM(C23()B(*1*23-Œ(3})D2%UQ
aM(C%+,H%&.D%V()g(*M()%.3&'%V()1*_()iˆ()%.3&'%V()3RA()B(*
3_()()*DHZ(O(%F%U•()3RA()B(*3_()()*DHZ%U#()%n()aM(C-ED323
>()B,3B()GE(
*J()>%U#()()B(*3_()()*DHZgqP,a|()%*M\()GB(*J()
a#A(*()*DHZ3}I+,W_GE(*m(0#-ED>%U#()()B(*%*Mm()W$Dg
aQ3*-blK%*CZ1K%I+L(B,-ED%F%U•()aM(C3*#-A,%U+()*$(%V()-ED%F
GH3A#3*#%*[,3*D(*2(*%$#&MC3Gz()%D(-B3*ƒ()WD(*1*L(V()3+()3[Z
%`(ab()3*#3L323a#A(*()*DHZ3}I+,W_-cA-B(*+3X+ (aBD*$(
4k
o Cơ c,u dư nợ đối v7i DNVVN theo loại h6nh doanh nghiệp:
2%4A=()Z67.58d+'tWvW9'O'ZW''R*
(Đơn vị: triệu đồng)
'\+
2]]^ 2]$] 2]$$
>M(C
F%U•()
„‰†
>M(C
F%U•()
„‰†
>M(C
F%U•()
„‰†

n()aM(C uj/k4 kk‰ "4" kk‰ u44N/ kk‰
> /Nj 4‰ "4" k‰ u44u k‰
_()%,3nZ*X( u"ej 44‰ "ejkj 4e‰ u/k 4N‰
%, 44jj 4/‰ k4 "‰ ejeu "‰
>3} (&X+
%M(ME3()#BD
jNu/ ‰ 4j e‰ "kkj j‰
>%M(*P( 4keN 4N‰ 4u4 /‰ 4kNu" 4‰
CZ%23qr k k‰ k k‰ k k‰
'1D(*a#A(*
32%*f
k k‰ k k‰ k k‰
( Nguồn: báo cáo hoạt động kinh doanh VPBank Hà Tĩnh 2009-2011)
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