Báo cáo thực tập tổng hợp tại ngân hàng NN&PTNT Krông Ana - Đắc Lắc

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1
CHƯƠNG I : KHÁI QUÁT VỀ NGÂN HÀNG NÔNG NGHIỆP
VÀ PHÁT TRIỂN NÔNG THÔN HUYỆN KRÔNG ANA
1.1. Quá trình hình thành và phát triển của NHNo &PTNTKrông Ana
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<-%B(&69-o<s<-9VW<<1()()(*()-^/sI(`7(*()-•/
{&I(3t&Fl>ee/[•//‰?//@%<0gb“FEe`,9\/<-
<4@<`70<03,'/M“s;<`@<0W<e//Š(7(*7?/
(?<^)I(`$F-=60?()-•/3+,7{&I(%B((y9–<(‡(19*
% /<4)I(‰&343HF8W/()-$<(;<(-=6s[`91,
/>7/?//@%&6@)?/C99d/(•=+X/‰&[@
%B%s(),/94I9‰(]<W<[\0B67/&d>`;<9-o<[`91,9–<
[@(_&(>0U9>6`76&(e_&6(9*9;(7<?/<V/>7/F(
o%$@<[e()p{‹%{%<B<%^/[`7@<{‹%{%<B[\`91,<V
<e(0\(<B<o%`a9:3(B<H/`;<7()U9\—<4<V0ˆ<B[\F
–(3B<s<Ž()„/9@<[d+-•/7>/<,/@%X<B[\>
s[d+-•/<B[\3+,s%,/<B%X<Xs„<(=%>/<,H
,Bs9t601<?/(B<(&6()&6‰s/B,+X<9-•/`e<V9'/7%B(`&=(
<V7-$<•0>/<,=(W<<p()*s<V/<e‰0(<V8'/7
p&6‰(),/<._&(1,;9,73((),/\[\F
$Š/[W.<99Ž/-$/73*%(•s&5H0,1(9\/(y0\(
/>7/343H9 `I6`1(]9*s`70(69][\0–(3
(<V&6@F
‡/$;%B(():3(<V&6@7s,)?/C9(y/
[-$<9`^=%7,@(e/,(),/<'-$<s,)?/C9
3?//y/`$017/4%%ƒ_&()„/(),/<?/(B<9]0$s{>6
+;/7%B(():]9*s>/<,9•e/<,9d/[7,<B<+>(\<(),/
&6@F
1.2. Chức năng và nhiệm vụ của NHNo & PTNT Krông Ana
,    A  <  B )?/  C `7  91  +@  %B%  >  <V
,A@(0$<W<H/@0X3+,(‰(@s(p+X/
7+*<X/>7/()9*[7&6@)?/CFB<7/<4_&@
<V6&$/>7/`7\?/+>s\3+,+*<X7<B[\<?/
><W<9V0„(7%ƒ3(s+,94()^<V,A

)?/C$@<%B(():3((:@()<B<0–(&
WI(4%%ƒ3(B<()@(9:7c+X/<4@&_&'(‰0H/
3(<V&6@-8I(9s(7/&6(s`,9\/(),/?/
/@%?/(?F
W4%%ƒ(p<(X7(=%()&/e'{&I((Ž<9t6;%B(():
?//@%?/(?s%B(():'{&I(7/4F
3
W[4%%ƒ(Ž<9t6<&6:+*<<.<I&3(?//@%?/
(?s0f)\/<?//@%s<[+*<X?//@%s3?%X<0f)\/
/7/‰()&6‰(e/s/'_&6(@<`70<,/-•`,9\/F
W(-4%%ƒ{>6+;/3(<I&1(ƒ/f?/(?F@<{>6+;/3(
<I&1(ƒ/9^…%'<4e9ƒ&(-79ƒ&(-9Ž/-$/s()„/(>07(p<
9B/F4-=60$(1,9‰&3@‰3˜(&=(s<?//@9:%B(():?/
(?<V&6@
MFYF Lĩnh vực kinh doanh
B,A&6@)?/C(;<@<B</@%X
3+,<V6&&
‘]<W<s(%=s&69\/e=(‰/c<V3B<7/$
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3@0()'`[=<(/s((3@0<40X<9p<3(o%<,6s%B(7<W/
<†(‰/cs3™%&s()B%&s&69\/e[•/8sElFFF
 ‘/@%X<,6<š/9+1/s%,/%Ž-<,6/‹s()&/s
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/Bs<&6:(‰(),/-$<7(/$s0&[B/,1(@s+*<X<&/
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:0s(-I9ƒ&(-(7<p(‰(@<,3B<7/F

1.4. Cơ cấu bộ máy tổ chức và chức năng nhiệm vụ của các phòng ban
1.4.1. Cơ cấu bộ máy tổ chức quản lý của Chi nhánh
B,A)?/C<*&;_&'`a();<(%<V/>
7/?//@%†8‹<#‹<F.<I&(]<W<[,/d0)Xf<p7
%^//,+*<Œ7x&?)I%FH05M5(]/[</>7/?/
/@%&6@)?/C<4gb<B[\•!!Šs!M0‚F),/94u<B[\<4
()U9\91„<sM<B[\<4()U9\()91„<sM<B[\<4()U9\()&/
<I%<,9œ/7b<B[\<4()U9\3˜(&=(/@%XF
 E.9d(]<W<[\0B6_&'`a<V/>7/?//@%7%B(():
?/(?&6@)?/C9-o<(]<W<(•,-$//„•s9./'s(&=
(@<,7_&'()*9‰&7s_&'`as/B0B(F
4
SƠ ĐỒ BỘ MÁY TỔ CHỨC NGÂN HÀNG NN
0
PTNT KRÔNG ANA


&@();<(&6
&@<W<H/
1.4.2. Chức năng nhiệm vụ của các phòng ban
• B09e<M/B09e<
B09e<`7/-•();<(%9‰&77<*&()B<@0‰0„,1(
9\/<V/>7/<B+-$;<†91,<V`91,/>7/?/
/@%7%B(():?/(?<I%()<X(:
‘#7/-•<†91,<&/s();<(%,1<9*<`-o<s{>6+;/<B<
<†(&3,1<3+,s(]<W<%><?/s(]<W<(;<@3,1<<4
@&_&'
‘8‰&7s(•,+žs/B0B()_&6(9*7<†91,(e/I((I(<'
<B<,1(9\/<B<%^/[7<B<%^//,+*<F
‘81+@%B%><VC/)[3)?/CF

‘a3(<B<H['(p+X/so%9d/Ÿ(),/%10,1(9\/F
‘*&()B<@0‰3(_&'3+,7(,7[\<B<,1(9\/<V
<BF
‘8-o<%”%V6_&6‰<,%4/B09e<(60U3a3(s9‰&7
,1(9\/<V<BF
 ‘&6(9*<B<[@%B%{c`aos<,/1os9‰&<†3™1
()'os<&6:o_&B1s(;<@<B<[@%B%{c`ao9e$3B<7/F
• A4/B09e<5A4/B09e<
5
A 8
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O¢
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A¡Cj
lqxQR£AP
ŒCC
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_&6(<?/@<<&/3/B09e<‹/s();<(%%X()B<<?/@<7
<pF
0/<‡/$/B09e<(),/<?/@<(]<W<_&'`as9‰&7
<&/s{>6+;/3,1<s(]<W<%><?/s(]<W<(;<@3,1<,1(
9\/<V<BF
AX()B<s9‰&77<*&()B<@0‰<B<<?/@<s<B<0'/
/@%X9-o</B09e</,%4s%><?/F
• A^/(p+X/(;<@<B<@0X
 /<W&s9‰{&I(<`-o<<,6s<`-o<&69\/es{>6
+;/3,1<3+,/‹1s()&/17+71F
~>6+;/<`-o<3B<7/(p+X/s%>`,13B<7/•00f)\/
(•,-$/9ƒ&(-F
 t09*9‰{&I(<,6<B<+;B(p+X/s(-•/{&6%>`,1+-

os%>(p<o_&B1s7(U0)/&6>79‰{&I(a33‹<%X<F
 #-&/Šd.(p+X/7<*&()B<@0‰_&6(9*<,6<V
0Us<4@0X-$/+D3B<7/`70(V(X<s/I6(•‰@<6es
9(;<((t09*<B<9‰&3@9'0[',e6•-7s9I(s)D67(U
U,1(9\/'{&I(3+,‚s&94(7{•0{”(7()U/B09e<
{”(+&6@(<,6F
• A^/3(,B/>_&˜
&/<I%<B<'%t0+*<X<V/>7/<B<'%t0(‰/cs((
3@0s%B(7(›\9*7_&e<(s+*<X((,Bs<&6:3,'s0f
#•s0f(-[,`s<&6:(‰(),/-$<7_&e<(s(-I<,3B<7/
<B<'%t0+*<X<V/>7/F
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/>7/s<&/<I%Š/e`@&s(?/(<p{B<3*%(•<,<I%`
91,
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‘I%7_&69*‰_&'`a(,779*0W<(d_&˜s/@%X
(&%B(s=<&6:(‰[1<(?/_&<B<% /(@3B<&F
‘I%7<B<<9\[B,<B,s3:0()s9e<&(•,9*3™_&6
9*F
‘?/(B<3:0()s3:03/>_&˜s<?/(B<((3@0s<?/(B<
<&6:/>7`-&3,s(•,+ž7_&'`a/>_&˜(1<B<%^//,+*<Ÿ
• A^//,+*<Œ7x&?)I%
$(]/e<B[\`7M5/-•s();<(%(;<@/@%X&69\/
6
e79ƒ&(-(p+X/<,<B<3B<7/<B>7+,/@%,1(9\/
'{&I(3+,(),/9*[7!{(),/&6@(•,;<†91,<Vx
B08e<F

$.9d(]<W<[\0B6<;<3™9./'s/„•-=6,1(
9\/<V<B/>7/9-o<(;<@)I(@&_&'7`,1(%‡o%
$(*()-•/9ƒ6[9\/(),//9,1@6F
1.5. Tình hình sử dụng nguồn lực trong kinh doanh của chi nhánh
1.5.1. Nguồn vốn
/&de`76&(e9ƒ&(_&6(9*0„,1(9\/3+,<V
+,/@%()(*()-•/s_&6(9*_&60?3+,s_&6(9*3(_&'
3+,7@&_&',1(9\/3+,<V0„+,/@%F
Bảng 1.1 Tài sản và nguồn vốn từ năm 2008-2012
(ĐVT: Triệu đồng)
†(& 5g 5 5M 5MM _&aY•5M5
]/o%'()'7e
<VfŠ& Y 5 b !gMYb5 b"g! u!YMY u"bMu!
o%'()' Y"!5b5 !b u bb!M" ugb5Y uYg !
e<VfŠ& MgubYsM 5MY Ms
5Yg"s
g Y!! su Yu5MbsM
/&dA^/3(,B
/&de<VfŠ&<V<B<4{&-$/(H/+ƒ_&<B<H0s
H05 (H/Mb“,$H05g•3,'/5"Y ()@&9d/‚sH05M(H/
M5“,$H05 •3,'/5!" ()@&9d/‚H05MM75M5(H/.
!“,$H05M75MMF
1.5.2. Tài sản
Bảng 1.2 Tổng Tài sản từ năm 2008-2012
Đvt: triệu đồng
†(& 5g 5 5M 5MM _&aY•5M5
]/(7' Y 5 b !gMYb5 b"g! u!YMY u"bMu!
/&dA^/3(,B
7'<V<B<4{&-$/(H/(•,(y/H0sH05MM(H/
u! u!()@&9d/•(H/MM“,$H05M‚sH05M5(H/Y5MbM()@&9d/

•(H/b“,$H05MM‚
1.5.3.Nguồn nhân lực
7
#,9\/`70\((),/Š/6&(e_&()„/0/(p_&6(9*9;
(7<?/6(I([1<V+,/@%()( /()-•/F\(9\/š`,
9\/<4()U9\<&60?/@%X<,sB/(1,s<43/@0¤(1,<,
<?/(60\(\`;<(,`$9:(($(7<?/Fp96(Ue`,9\/
<V
 
<B)?/C`7Yb/-•FEe`-o/()%‡o%$_&6
0?<š/-`Z;<,1(9\/3+,s01/`-$%>%e@(1<V
/>7/
‰()U9\<V`;<`-o/`,9\/(UU<&/ƒ&(/&d>`;<
9-o<97,(1,[7['_&<B<()-•/`$%F
Bảng 1.3 Trình độ lao động trong ngân hàng nông nghiệp Krông Ana
†(&
5MM 5M5
Ee
`-o/•/-•‚
“
Ee`-o/
•/-•‚
“
]/e`,9\/ Y M Yb M
81„<7()91„< 5b gYsYY Y gbs"M
,9œ/n()&/<I% Y M Y MMs!Y
#,9\/%](?/ 5 usu" 5 5sgu
/&dA^/(]<W<7<p
H05M5e`-o/`,9\/91„<<0(¥`@gbs"M“(H/5F!“,
$H05MMs$e`-o/`,9\/<4()U9\<,-=6<‹<<‹@&_&'

3+,(1,)¤)I(<,Fx<194s()U9\`,9\/%](?/<0
b“(),/H05M5„<V6&`7<B<>`B{•s`,<?/s[',@F
1.5.4.Tình hình cơ sở vật chất
)Xf9-o<()/[*9ƒ69V<B<% /(@(?/(•0%X<X(e(
I(<,@</,+*</Š\[\/>7/s/,+*<$3B<7/FB<
(([*%X<X<,,1(9\/<V/>7/D9/,1(9\/)I((e(79-o<
<B<>[',_&')I(<t(=(),/_&B()Uc+X/F
8
Bảng 1.4 Tình hình khai thác và sử dụng máy móc trang thiết bị.
#,10B6 Ee`-o/ W<9\c+X/•“‚
MFB6¦{ g<B "bng
5FB6%,(,<,%6 !<B unub
YFB69@(,1 Mb<B n b
!FB6(p Y<B un"
bF8‰&^ M<B "bngb
uF~•=<&6: Y<< gn 
/&dA^/3(,B
B<0B604<(([*9-o<{>6+;/3,1<-+X/<X(:9:<4(:
3(B<(e9<?/&I(9d/(•<B<(([*9-o<[',+-•/c<Š3*%
(•9:3?/`70/B9,1<?/@<`70'-f/($,1(9\/<V<
BF
9
CHƯƠNG II : PHÂN TÍCH KẾT QUẢ HOẠT ĐỘNG KINH
DOANH CỦA NGÂN HÀNG NN
0
&PTNT KRÔNG ANA GIAI
ĐOẠN 2008-2012
2.1. Kết quả hoạt động kinh doanh
2.1.1. Doanh thu và Lợi nhuận
•;(H/()-f/Š/<‹<<V/&de&69\/7/&de<,

6s(]/(&=%7`o&=<VC/)[3)?/C<š/U(07<4;
(H/()-f/F
Bảng 2.1 Doanh thu và lợi nhuận giai đoạn 2008-2012
 8.*(p()@&9d/
†(& 5g 5 5M 5MM 5M5
l,(& Y!g Y b!MM5 bM " uu5"! u bgg
#o&=()-$<(& b M ubbg uM "! M "5uu
/&dA^/3(,B
U7,['/((I6+,(&<V/>7/H05 (H/M 5M 
()@&9d/( /W/bbFM“,$H05gs`o&=H05 (H/bu"
()@&9d/(W<5gFb“,$H05gF8H05Ms+,(&<V/>7/
/'05MYY()@&9d/•3,'/YF “,$H05 ‚s`o&=()-$<(&
/'0Yb ()@&9d/•3,'/M!“‚,$H05 F
Biểu đồ 2.1 Doanh thu lợi nhuận giai đoạn 2008-2012
10
H05MMs+,(&<V/>7/(H/`uu5"!()@&9d/•3,'/
5"Fb“,$5M‚`o&=<V/>7/(H/5sg!“,$5MF8_&a
YH05M5s+,(&<V<B(H/YYM!()@&9d/•(H/b“,$
H05MM‚s`o&=()-$<(&/'0Y“•3,'/55!()@&9d/‚F
9,15 n5M5+,(&(H/9‰&_&<B<H0-/`o&=
0\(eH0<V<B`1/'0`7+,(),//9,176‰3([*
3V/,'/s<%p,1(9\/(H/<,s[<194<p%V(;<@9‰B
(B<I&()Ž<`1‰3(s(B<I&()Ž<`1(,7[\@(e//>7/9‰&76
`70'-f/($,1(9\/<V(,7[\<B</>7/(),/94<4<B
/>7/
,
A)?/C
5FMF5F %p,1(9\/
l,(]//&de&69\/(H/(]/<%p,1(9\/<š/<4;
(H/(•,s(&6•(e<9\(H/<V(]/<%p,1(9\/D(I%.(e<

9\(H/<V(]/(&=%,1(9\/D9'0[',9-o<`o&=(),/,1(
9\/3+,<V/>7/
Bảng 2.2 Chi phí hoạt động của ngân hàng NN
0
PTNT Krông Ana
8.*(p()@&9d/
†(& 5g 5 5M 5MM 5M5
%p`7<B<<%p( /(;
5b
g
Yu"bb
!uM

YgMu !"g
%p,1(9\/+*<X 5M u"Y gMb MY" M!!g
%p,1(9\/ b5Mb u " bgY MMYb MM M"
%p+;%^/)V),(p+X/ bMb5 g " g"5 bg" uM"Y
%p(&l "" " ! MMY MMb M5M"
]/<%p
5g 
5 !"bb! b5 MY bg"gY u5Y55
/&d%^/3(,B
(I6<%p,1(9\/<V/>7/<4{&-$/(H/+ƒ_&<B<
H0s<X(H05 (H/Mgub5()@&9d/•(H/u!“,$H05g‚sH0
5M(H/"MYY()@&9d/,$H05 •3,'/Mbs5“‚FH05MMs<%p
,1(9\/<V/>7/(H/MYY()@&9d/•(H/3,'/5gs!“‚,$
H05MF
11
Biểu đồ 2.2 chi phí hoạt động giai đoạn 2008-2012
5FMFYF (_&',1(9\/3+,+*<X

• ,1(9\/<,6
Bảng 2.3 Kết quả hoạt động cho vay giai đoạn 2008-2012
8.*(p()@&9d/
<†(& 5g 5 5M 5MM 5M5
,63B<7/ MYM MY""Y M 5Mb M"Y "u Mg5u"!
,6<B<l M!b M M"M" 5bu!M !!u " !u Y5
]/e<,6 M!bu Mb!  5M"g 5Mgu"Y 55 uu
l-o<,6 n M s5“ 5!s g“ M"sYu“ M"F!!“
 /&d%^/(p+X/
l,e<,6H05 (H/MFu“,$H05gsH05M(H/
M!Fu“,$H05 sH05MM(H/M“,$5M7H05M5(H/
M!F!“,$5MMF8‰&94<W/(…B9)I(ˆ`;<(),/@<0f
)\/,1(9\/9ƒ&(-s(U0303B<7/7+;B9ƒ&(-F8–<[@(<B
9(p<<;<0f)\/<,6(&+‡/s<,6'{&I(3+,
12
Biểu đồ 2.3 Kết quả hoạt động cho vay
(_&'(;<@+*<X<,6<,(I6s(e<9\(H/()-f/(p+X/
§4/§s-o(/,7(ƒ03:0,B(<V<BF•/_&(U()1/9',
os/1oso_&B1{'6)( /9e‰&F8‰&949'-f/9
3(_&'3+,<V/>7/F
• ,1(9\/&69\/e
Bảng 2.4 Hiệu quả huy động vốn qua các năm
8.*(p()@&9d/
†(& 5g 5 5M 5MM 5M5
‰/c76<B<l3B< 5M!MY 5MY! bYb u 5Y"bY 5! !M
‰/c<V3B<7/ M5 5 M
MY b
g MMb5bu MbYb!M M!!gg
]/e&69\/
Mb"

!
MugM
5
Muggb
5 M""5 ! Mub!5
/&dA^/(p+X/
&['/e`@&()(=(I6(]//&de&69\/(H/9‰&_&
<B<H0H05 (H/u“sH05M(H/!“sH05MM(H/!“F85M5s
(]//&de&69\/<V(,7<B91(Mub!5 ()@&9d/F),/94s
13
/&d&69\/e(y+><-<0(†()„/<,()g“FH05gs5 s
5Ms5MMs5M5`,1/&de76<0(¥`@( /W/`7gb“sgu“sgY“s
gu“sg!“(]//&deF/&de&69\/(y+><-H05M5/'0
uFu"“,$H05MMF/&6>`7+,/>7/7-$<1`&I(&6
9\/(yMb“{&e/M!“s)d{&e/MY“96`&I(&69\/<†<^
g“•H0`-o/e&69\/<V/>7/(),/H05M5/'00\(<B<
9B/3:F
Biểu đồ 2.4 tình hình huy động vốn qua các năm
YF l*<X[',`
ƒ&(+*<X[',`9-o<<&/<I%<,Š/3B<7/()&6‰
(e/<4&6(p7(-•/`7Š/+,/@%_&e<+,Ÿ<4<B<U
(W<[',`-[',`+;(ƒ&s[',`(;<@o%9d/s[',`
((,BFl*<X760/`10\(%ƒ3?/…(),/(&=%<VF
4(:{•0{”(3(_&'(;<@+*<X76_&['/&
Bảng 2.5: tình hình thực hiện dịch vụ bảo lãnh
(Đơn vị: Triệu đồng)
E †(&
H0
5M
H0

5MM
H/
()-f/
5MM•
5M
&a
Y•5M5
H/
()-f/
5M5•
5MM
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2.2. Đánh giá kết quả hoạt động kinh doanh của ngân hàng nông nghiệp
chi nhánh Krông Ana giai đoạn 2008-2012
2.2.1. Kết quả đạt được
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15
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9e$(I(<'3B<7/3?/%>[@(o(),/16_&B1F&3
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16
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2.2.2. Hạn chế
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/{”(+&6@(<^+7>(p+X/`7/-•(;<@(I(/ƒ-(I(<'
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/B3B<7/s3:0()(po%`@so%%B%<B<(7`@&<B<(7`@&3B<
17
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x<194s$(&]9•<^()›>(p+X/<^1<(),/@<
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(>F
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(;<;<4/,+*<(-•/{&6sc+X/+*<X<V/>7/<0
3,'/u“F
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3'H/(&Ž(3B<7/s3'H/<1()<V<BF&3?/
$0(U0)/&6>7/'%B%3‹<%X<(U/>7/34<4(:(d(1
(),/<1()7\=%‹%($F
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[@%B%{c`a3*%(•<&6:(7o_&B1so349^F

Bảng 2.6 - Nợ quá hạn của Ngân hàng qua các năm
ĐVT: Triệu
đồng
†
(&
H05M
H05MM
H05M5
o{I&
Y! Y
u55
uMMg
o{I&•(]/+-o<,6
s" u! Ms5Mg5 MsM!!b
/&d%^/(p+X/
¥`@o{I&so_&B1H05MM<4+I&@&(H/s<?/(B<{c`a<B<
3,'o_&B1<^‰&1<s/>7/<-<4Š/[@%B%
(;<;019:<4(:(&d9-o<<B<3,'o76F/>7/<-3*%
(•9B/B3'H/()'o<V3B<7/-~B<9*9Ž//&d(&s
%>(p<9B/B3'H/(&s(•9:0(&oF
18
Biểu đồ 2.5 Nợ xấu của ngân hàng qua các năm
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/'0M()@&•3,'/F"“,$5MM‚F
‰&69\/es “(¥()„/e<V/>7/@6`7e/‹
1s/>6343H<,/>7/(),/@<_&'()*/&des349'0[',
<>9e3™1F™1&69\/e[U_&><4{&-$/)Ž(/‹(),/3
3™1<,6[U_&>+7`70(H//&6<.)V),3™17`&I(
@ 6 


 )?/C<- <4 %^/ _&' `a)V ),s <?/ (B<
(?/ ( %^/ /ys {c `a )V ), `1 +, %^/ (]/ o% (% (* 9'0
@0F7%^/(p+X/0–<+‡<4;(]/o%e`@&<V(,7<B
+G+7/ %B( @ Š/)V ), {,/94 `7 Š/)V ), <&/s 3?/9<X
(: 7,(y/3,'6F
x<194;/¤01<,–<(e<9\()&6‰<=0(-•/{&6{'6)F
U=6s(B<9\/1<9<I(`-o/s@&_&'<V+*<X/>7/I(`7
+*<X((,Bs+*<X<&6:(‰9@(cŸ7<B<_&@/,+*<3B<
()01/F
2.2.3. Nguyên nhân
2.2.3.1. Nguyên nhân chủ quan
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<`-o<%B(():<V,A@(09:{>6+;/3,1<():
3(;<@FB3?/9-o<<V9\/_&6(9*%B(():+*<X
7,943<-<4;%+&6@(<V]/B09e<Fl,=6s<B/ƒ
-).7,(U()1/(X9\/F[<194(),/%10_&6‰1<V0Us
19
<B<š/<-(;<;(p<<;<(),/@<0f)\/9e(-o/3B<7/s
(U0)<B<+*<X%X<X<,9e(-o/94F
W`7<BD(;<@%>%e+*<X3:&()&6‰(e/s
(W<`7(•,<B<%^//@%X073?/(•,9e(-o/3B<7/'%t0
9`701<<I(`-o/%X<Xs3?/9B%W/9;.<6&<ƒ&<V3B<
7/F
W[s<B<-3(B<0e_&@( /ˆs/‹3(/Š<B<
+*<X/>7/(),/_&B()U%B(():+*<XF
),/_&B()U(;<@<&/<I%+*<Xs/>7/<-(;<@
0\(<&()U3”%3p<B<+*<X-(p+X/n((,B7/,1(@s<-
(;<@(I&<(73,'3B<7/9:%B(():+*<X(›(p+X/s(
(,BŸB<7/<-(:=9-o<0\([\+*<X()„/4(y/>7/F

W(-`7+,<^+’+–((),/%B(():<?//@/>7/F
\(e<B7%^//,+*<();<(&\<D%'c+X/< /
()U<šs{c`a<=0s_&'()*+Š`@&3?/<,s3?/%‡o%$6&<ƒ&
%B(():-@6F8‰&94`701<9;%B(():<B<+*<X/>
7/`7+*<X((,BF
WH0`71<(),/(]<W<<†91,9‰&7(;<@+*<XF
),/<?/(B<9‰&7<†91,(;<@+*<Xf‰&%^//,+*<s<
B();<(&\<<^(&H/9\/s<4(>0`a/1)&),s(&3_&6(3
():3<B<+*<X0$F
WB&`7+,1<‰H/`;<0)3•(//>7/F
;<@<?/(B<0)3•(//>7/F),/(•/_&<B
c+X/<?/<X_&'/<B,3&6<() /<V6&•0>/<,§U'
<V/>7/§(),/<B<,1(9\/>91,s(y(@s,1(9\/(:(,s[4/
9Bs<ƒ&`?/Ÿ<W<-9B%W/&<ƒ&3B<7/(),/c+X/+*<XF
l,=6U'<V/>7/D<^0•1((),/`^/3B<7/F
B<U(W<_&'/<B,<^9.9@&s3?/%,/%Ž7<-(=
+X/9-o<9\/š<B[\`$(),/@<(0/_&'/<B,<B<+*<X/>
7/F
W['6`7+,1<‰()U9\<B[\7H/`;</@%Xs97,(1,
7c+X/&97,(1,<^‰&[I(<=%F
8\/š<B[\<-9-o<97,(1,[7['3(W<‰<B<+*<X/>
7/@91FA,/<B</,+*<<^(&3”0,$<B<<B
-$</,7s3:<',4/>7//,1( /7‰&<]%ƒF
?/(B<97,(1,<B[\0$+y/f0W<9\%X<X<,6&<ƒ&()-$<
0‹(s<-%eo%/Š_&,1<<B[\$97,(1,<B[\7c+X/<B[\s
<.<_&'`a97,(1,<^0\(e9:0[I(<=%s<-o%`a<ƒ,7(@F
2.2.3.2. Nguyên nhân khách quan
20
Š/(B<9\/{I&<V3V/,'/(7<ps&6/'03(9'
-f/)I(‰&($<pB<'%t0(p+X/<V4<&/7

,<B)?/C4)/F
l,3(343Hs'{&I(3+,<V3B<7/[*&6/'0s
7/(d3,`$s/>7//–%343H(),/@<(&oso{I&(H/<,F
,1(9\/<,6?//@%?/(?/–%343H+,3B<7/3?/
9V9‰&3@9:/>7/{•0{”(<,6•3?/<4% /B'{&I(3
+,@&_&',1<3?/9V(7'9'0[',s(7<p3?/0[1<so
{I&%B(ŸF‚Fo405@9/<4{&-$//(H/9‰&769d/
/Z$(¥`@()p<+;%^/¤/(H/7`o&=<B¤/'0{&e/
H05M5`7H007_&B()U(B<I&()Ž<‰3(<Vp%V9/
f[-$<9ƒ&s<^()(/$(U3V/,'/o<?/<>&O&D9/+G
)F
UU,1(9\/<š/-;%B(():<V/7(7<pn/>
7/%X(&\<)I(‰&7,<pB<<V/>7/7-$<FU`7H0
9ƒ&(;<@(B<I&()Ž<‰3(s9–<[@(`7(B<I&()Ž</7/>7/
<,H05M5D`70\(H03?/+G+7/9e/>7/<B
)?/C
lG[<V‰3((),/-$<(W<%W<(1%'-f/‰&
($,1(9\/(p+X/<V)?/C-`10%B(/(H/s/B<'
<B<0–(7//(H/s;%B(():6X(/'0<V(*()-•/<W/3,Bs
; [ 9\/ <V (* ()-•/ x8E 9d/ (• `7 ; {&I( @ <B< `,1 +*<
[@FFF`70‰3(+G[3?/]9*F
‡/ $ ; %B( (): <V @ (e/ /> 7/ (U <B< (V 9,1 <V
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'H/(%<=7c+X/<B<+*<X/>7/<V<B<<V(:(),/
‰3(<^1<s(4_&•c+X/(‰0–(<^%][Fl,94+D
9e`-o/3B<7/c+X/<B<+*<X@91<^<-( /{W/$
_&60?+>e()9*[7&6@Fy94`701<;%B(():+*<X<V
/>7/F
E;(d(1Š/I9‰(),/_&@3(( /01-/`=

( /01s()e(&s(0?s33e/9:-f/(&CFB<+,
/@%s3B<7/76<V6&_&@((,B();<(%[•/(‰0–(sU
=6`701<<B</,+*<((,B_&/>7/F
40`1s<4(:(I6)•/Š//&6>`701<%B(():+*<
X<V6&(&\<‰/&6><V_&s(y@<1<‰<`-o<%B(
():s()U9\9\/š<B[\9H/`;<(]<W<(;<@Ÿl,94s9:<4[-$<
<&6:[‰%B(():s<B%'$0<4Š//'%B%(p<o%9:
91(9-o<0X<(&99‰)§%B(():s(,77@&_&'§(),/<`-o<
%B(():+*<X/>7/F
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CHƯƠNG III : ĐỊNH HƯỚNG HOẠT ĐỘNG CỦA NGÂN HÀNG NÔNG
NGHIỆP HUYỆN KRÔNG ANA TRONG GIAI ĐOẠN 2013-2018
3.1. Thuận lợi, khó khăn
3.1.1. Thuận lợi
,A&6@)?/C<40\(9\/š<B[\<?/>
(7(1,‰<&60?/@%Xs(B9\%X<X`&?(=(U<&9B,$
((ƒ()B<@0<,9`707ª^/$0„3B<7/
H/9\/
(),/<?/@<s0„<…s<43'H/(p<W/9e$Š/(6
9]s()U9\(%(&<&60?<,.F
8-o<;<†91,_&(>03*%(•<V<I%¥sxl<B<<I%s<B<Ef
/7(,7(:(y(†9<.f(1,9‰&3@(&=`o<,/>7/,1(9\/
(e(91(9-o<0X<(&3,1<F
#&?`&?(;<@<B<<†91,();<(%`7,A(†8H3#H3F
8d/(•<4;ˆ()oe9‰&,79(1,9‰&3@(&=`o<,,
A&6@)?/C(),/,1(9\/3+,F,A&6@
)?/C(-•/{&6_&(>09@<<&/<I%<B<+*<Xs'%t0
0$•09B%W/&<ƒ&3B<7/s+,/@%(),/9*[7F
‰3(@(09/+ƒ]9*s<4+I&@&<V;(H/()-f/F
3.1.2.

Khó khăn, thách thức
E¤<4;/(H/(B<(W<‰/&d&69\/(7<pn(p+X/<'‰
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{&e/0\(<,eF
.Šs<43'H/¤{&I(@B%`;<0$‰`;<„9*-$/
9ƒ&(-(7<p7/'/><B<3,'(p+X/9ƒ&(-/‹$;/(H/
Š/)V),(*()-•/79ƒ&(-(y(B<I&()Ž<(),/3&?3]_&B()U(B
<I&()Ž<3(Z0?70?F&(&3:0,B((e(s<B<,1(9\/9ƒ&(-
(7<p7<,6(p+X/%X<X(B<I&()Ž<¤(H/)V),(•,<B<3p
<1Một là,)V),(y3'H/(3,'3”0.<,<B<3,'60$+,
/'0/&d(&(7<p(y;(y[…(*()-•/s`70@<<šs(),/3(*()-•/
0$<-{&I(@/67W<<1()0$<-{B<`=%Š/<‹<¨hai làs
)V),(y/&6<./(H/o<V<B<+,/@%•/‹$(&X(/&de
+&6()U9ƒ&(-<š7<ƒ(0<B<3,'60$<,(B<I&()Ž<‚¨ba là,)V),
(y;(I((,B(s(0š/e9ƒ&(-0$<,Š/+;B9ƒ&(-0$(),/
3&?3],–<>+(B<I&()Ž<sI(`7(),/3&;<9ƒ&(-<?/¨ bốn
làs)V),(y@<`/%p<B<+;B9ƒ&(-+f+/(•,0?U9ƒ&(-<šsŸ
22