Phân tích tình hình huy động và cho vay vốn tại ngân hàng TMCP công thương việt nam – chi nhánh cần thơ

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#
"
 !
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&'!()*+),)-(+
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 !"
#
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 !
"#$%
&'!()*+),)-(+
./!0*
$% 
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TB:K.;`a!
E[;78]^=@
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CSXW759REbDJ<<D>;;c/AHRdKNO7>W;CRCG3
eTD=;L; f;KD=;7:E?;E>7<8['.W;CSXS/
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jHY4<^H2!
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U;4<;9Mg6;^;`@8<D78V9@W;CSXO7PBT7=AH
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$ 
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 45<9T;TCSO7^789:;<=>8?Q>;4<;[
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;4<;.>Duh<€;KF9>8•<€;KF=>8•9MRW;5ET
9tH.5/ZN/.66]3789:;?9>T;7rV<
D‚9K><=hK7L;9d/TDdE^Y7o[' @=hg/;7r?CL;W;;c/
=;4<;tX9KNHI=@9:;C`=>H<u;R//1O7>DI;
D=; 917K/TDdE^Y7oC`=>Q>HI`=>; /RD;f;

KE/TDdQ>=<B:VCSR7;[0lB D=;W;GH;1
9483717V?Q>VCSDoh.3`=9R>DuQ>;4<;;<8<;
O7>DI;d O7>>; /s5h<!789:;T;7r?<D‚D=;
TtXCS<D=;`4K3E>79R/4/?h@;7r?<8=o^T
</1CSR717E^Y7oC`=>H:TN/hP9dEe`s;?R
 7O7^L;O7>6X=>83;<8<;9K>VCS9oK./TDd
BVW;<t9_[
D=;=@9:;C`=>Q>;4<;6789:;?<=>8?h<
>O7TD6E=;E=;RH?O7> HgS3BtE7;=>7[;4<;1
789:;?9d=>8H<H7?789:;9KNV7?9dHJD:;=@9:;
5`s;6TC=^=>8Q>;4<;/^9@ 7O7^>=9dRd9^HB^=
9KN D^hM=;7r?H<;4<;789:;39r;F9dQ;?
hu;JCT<;h<H=I>4HC;eV<=;4<;[
&lCT3=@9:;789:;?CL;H>;h@hN7gDS/=;4
<;K;Rh<=@9:;DoO7>DI;[Kc;>BS3H:&C9KN
'\!;78]^=@()'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
o//ƒ/<hg//^R?9V7h A=O789_[783?9V7h w9Q<
DN=0KDsEJ3G/u;3HT8HRSB_1S==@9:;X
K>9Q?9d;4<; T=@9:;C`=>Ko/5`s;<T
`_s;4<;CT[0dR?/ss=T=@9:;<83;4<;/^
789:;?xCT<;[=@9:;789:;?3`=g8RP;v>DoO7>
DI;9?.;4<;f;K9?.CT<;[;=<D>3uH:=@9:;
CTCL;CƒH/1O7>DI;39Rh<=@9:;=>8?[S7;4<;78
9:;?V7H<=>85`a9S6D@;x>?6Eb^KJ;9ShN
7gQ>;4<;=l;4<;789:;?5H<717=>8V7`a
9S6D@;S7?f;^KJ;9ShN7gQ>;4<;>8R7;
h<^KJ;9S 7O7^=@9:;C`=>[56g89dG;KF; 7O7^
=@9:;C`=>Q>H66 789:;?<=>8?Q>T;4
<;D=;K.R7;<;4<;&L;K2;' >HT

12RD;19KNO7^D_H:T?o39d9^HB^=Eb789:;9KN
;7r?9T/X;9Q717Q>VCS<=>8?R 7O7^[
Kg83RdR=@9:;789:;?<=>8?h<>=@9:;
C`=>Q8S7Q>;4<;3h7Lh7L9r;<Z;.Er@</T
DdQ>;4<;['.1HO7>DI;DZ;.H=;H7?ImHCS
XV=@9:;;4<;AHI9V<)*+, /*-0,**0,**1234,567
/*86926:,-;<,5+,*7,5 =,5-*>?,5<@-9A*<,*B,*C,*?D
h<H9V<h7gG?; /[
ZO_ `/-<a1,5*<a,/b1
ZO_OZ `/-<a1/*1,5
4566789:;<=>8?@;4<;&L;K2;
' >HUT12;>9=@,)((,)(-[D2EJ9R9K>D>;^/T/
/ZN/9d4;>= 7O7^789:;?<=>8?3O7>9R;c/=;4
<;;<8<;/TDdBVW;[
ZO_O_ `/-<a1/`-*c
4566789:;?@'AB>C12;>9=@,)((,)(-
9do89KN;7r?789:;R9Q9T/X;7175`s;>8CL;„
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ZOd*>?,5e*Be,5*<a,/b1

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!w7GHDK.
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_OZOZ*B<,<@A*1234,56:,
'?789:;h<<E^Bn;VQ>TtX<T4H<;4<;9>;
@HFO7^hP<Ee`s;.DT H=<D^3?789:;h<;7r?Q
8S7<O7>DI;oQ>BoCpH:&<=[wRT&H.9KN
O78V789:;?`K.V76XCT>7[
789:;?9KN=h<=@9:;2B^3R5oE?;u9?.BoCp
H:&<=36=@9:;<8@=D>;7r?Q8S7Q>T&[
_OZO_9<-lo/p9*1234,56:,
_OZO_OZ:<6q<
=@9:;789:;?;R//1H>;h@;7r?=;4<; 
T=@9:;C`=>CT[L;R=@9:;789:;?3&EbCL;
R9Q;7r?<DN==@9:;Q>H6[&lCT3L;O7>789:;?3
&Rd9=hKF;9KN785f;KE5 HQ>CT<;9?.
;4<;[x9R3&RTB /T/CL;;x;=< =@9:;78
9:;?9d;WW;<HJD:;O7> .CT<;[RdR=@9:;78
9:;?;R//1;^O78S€917<=•Q>;4<;[
_OZO_O_:<6q<Y*B/**7,5
0?.CT<;h<;KF;eV6L;O7>=@9:;789:;?3T
tXCSf;K;KF`4Eb79KNhN5xC=^?<D‚Q>

H6L;O7>hMV;eH<;4<;D^=I[2W>3;4<;u9^H
B^==E>=<VC=^V;e<7;o/T`_s>=T hN[
0?.CT<;h<;KF>83IEbm>HM9KN717?9dC
`=>373>=TH<CL;/^/5V7VEXh3F;>6HCSH
27;X;? hN3ŠŠ<N//T/[
_OZO_Od:<6q<,^,Y<,*-r
'?789:;uRP;v>=h..VCS3c9{8G;DKJ;CS
6R9T/X;717?9d9^HB^=O7TD6TE^Y7{9KN hs<
'\!;78]^=@(+'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
9dHJD:;O78HLE^Y7o[&L;O7>=@9:;789:;?9MBS?
<D‚CL;=@9:;<?=@9:;3C55O7TD6h7478d?3
c9{8E^Y7oC`=>/TDd[
_OZOdB/*0,*-*b/*1234,56:,
_OZOdOZ:,-<^,5s<
9O<^,5s</p9/B/-t/*b/Y<,*-r
<V;exT`=>; /=lxT92_CSCT[RHCT
<;<8KF;;eVJ;4<;9d7g = C`=><;>=`_
Q>I[783f;RW;hcI;eV<=;4<;.Hs95EhF
J`@;V;eRCp@[\=9R3RHCT<;<8KF;;eV<=;4
<;`K.T6XE>7!
•V;eCL;Cp@…V;e>=T†!<h=@V;eH<C;e<=3
CT<;;eVRdDcD>BoXhc<=H<CL;1BT=DK.=;4
<;3<;4<;/^m>HM8717Q>CT<;[\=948h<;7r?
CL;t9_;4<;KF;T/`s;HXhME7oo/[
•V;eRCp@!<h=@V;eH<CCT<;;eV<=;4<;
REm>7gVTh=@F@.;4<;9dIH:h=@F@;eV
5N/[T<;;eVA=F@w9KNDcVD>C9S@[78
3DS`=8S7?@D>39d7cV;eT;4<;KF;=
/ƒ/CT<;9KNDcVD>DK.@K;CL;9KNKJ;hME7o3=lw

9KNKJ;hME7oo/23L;KF;h<hME7oCL;Cp@[
XO<^,5s</p9/B,*+,67*45<930,*
<H:B:/g7g/Bn;VQ>T4<:;>96;e@;4<;
nHHs95SC H3CSHhF<9d>=T[V;eQ>RH<8B>=
;rH!
ŽV;eSC H!
<C=^VQ>T4<:;>969KN;e<=<C=^V;eS
C H39KNYTgDEtSC H39KNKJ;hMA=O79_Q>;4<;
g;eSC H<9KNB^=dHA=O79_Q>/T/h7gVB^=dHV;e[
048h<6X789:;V;eA=Cd7D78V?;Q>;4<;[D=;F
;>;eV3EtSC HRd`Z;h<Hg1H?=l9KNSCo79d>8
?;4<;[V;eSC H9KN>h<H>h=@!V;eSC HCL;Cp
@<V;eSC HRCp@.TCp@CT>7[
Ž<C=^V;eT4!
'\!;78]^=@(*'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
<h=@V;eH<x;T4HJ<C=^@;4<;9dEe`s;= 
>=TCL;`Z;VHlKCPEƒ3=lEe`s;=Th=@•>=T[
'6g83<C=^V;eT4f;;R//1G;KF;;7r?=T
&3C9FE?;goQ>;KF`49KN4;h<;RV7T4HJ
<C=^V;e[
ŽV;eCT!
;=<>h=@V;eD3@T&uRTC=^V;eK!V
;e?78`Z;3V;eQ>TtX5`s;CT3V;eQ>=B@
<K.3V;eQ>TtX9=<dYM:3q
_OZOdO_:,*1234,5Xu,5/*b,5-v/w5<B
9O*b,5/*x-<^,5s<
X;wV;eh<W;;o8YTgV;e9_CpJH:;4<;>8
H:9_S<5CT[;KFEJW7;o8<8Eb9KN>=TVhMA=Cp
<g9QV?CS@[X;wE>7C/T<9KNhK7L;D_

DKF;V [T;4<;/T<X;wV;eQ8S7=Hs95
>C=^[TX;w<8KF;CL;7:h=@DT/S7SCo73hME7o
Q>c;KF;>=2hME7oQ>5/S7C=B@<HX9:DQD=Q>Rf;
o/[
XOye*<r1
p/S7;4<;h<H:L;sN;Š@`=;4<;/T<A=
x;9N9d789:;?H:Th=@nH9T/X;717?=W;CS
=@C`=>YT9_Q>;4<;[' /T<Cp/S7Z87:A=
F;><66sdQ>;7r?;4<;['?<8w9KN789:;
D=;F;>o9_3C9M789:;9QC?hKN;A=`CS;4<;Eb
;x; 789:;Cp/S7[048h<6X789:;?>6uRhME7o
>=2hME7oSC HZ;F@3h@Rd78dKN;`]`<;7c
C?hKN;?K2;9?h.[
/OlB<e*<r1
DT/S7;4<;h<H:L;sN`<@Q>;4<;3.T>HCS
>=T;?<=;<89T=@<>=T<=W;F;>YT9_[ME7o
DT/S7KF;>=2hME7oV;eSC H3Cp/S7qDT/S7`Z;9d
789:;?D7;`<@/ss=W;CS=@/TDdC`=>RO78
HLh.<`<@[D=;CCp/S7h<9KN/T<Jx;T.C7;
hME7o3F;>/T<D;B 6DT/S79KN/T<.O78HLh.3
9r;h=@D=; ?;H‚;4<;[
'\!;78]^=@(|'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
_O_8;-34,5/*86926:,
_O_OZ512a,-z//*8692
;4<;w=>8CCT<;9^HB^=>;78ŠE>7!
'?>8/^9KNEe`s;9c;Hs959Mm>7gD=;N/9r;5
`s;[048h<;78ŠJB^nH@SDQD=9@=9X<@SC^G;
CT<;`Z;?>89d T<H</T/h7goH[
'?>8/^9KN=<D^;?<hM9c;F@9M9KNm>7gD=;

N/9r;5`s;[;78Š<89^HB^=/K2;4H=@9:;Q>;4<;h<
€9>89d=>8•< ;78ŠD=;@=TC`=>ho87BZ
<RhM[
_O_O_<^1Y<@,/*8692
TCT<;H7?9KN>8?;4<;/^RT9V7C 2B^E>7!
T<;>8?/^RG;h/T/h7g3G;h<`4E<
_7DT H`4EA=O789_Q>/T/h7g[
&s95Ee`s;?>8N//T/[
RC^G;<5<9^HB^=D^N9c;@A=N/9r;5`s;9MCP
CS[
R`T917K3/K2;TE^Y7oC`=>3`_sC^< 7O7^
=lR`T917K3/K2;T/ss9FE?;C^</ZN/.O789_
Q>/T/h7g[
 B^=9^HV>8A=O789_Q>5/Q<A=K.;`a
Q>?;9?' >H[
_O_Od:<->j,5/*8692
;4<;=>8T9?KN;E>7!
TD_gK3<;R>3HT8HR3SB_<TC=^/59dCT<;
 T`TE^Y7o3C`=>3`_s39FE?;<917K/TDd[
?V>8D^=T\D=;F;>L;K>B<;>=<9K><
E^?9_<=Ee`s;9?.=>8D7;<`<@9d917K<E^?9_H<
C=^hM9KN5D=;;TD_<E^?9_9R[
;4<;CL;=>8T9?KN;E>7!
?V7S/^:/…DxV7SY7og/C{737S'†
?V9dD^N;?<hM>8=\CT[
'\!;78]^=@(}'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
?V>8D^=5\=>8?[
;KF9>8Rd>8=V79?KN;CT>7@Z;H:F9dHJ
H:>8V7;4<;CT[D=;H:E?DKF;N/H:9?KN;Q>H:;KF

>8Rd9KNV7;4<;Z;=>8`K.6X9r;<DN…=>8
N/?†[
_O_Oh*cg8;</*8692
=>8;Š@!TC=^>8RF@=>89S(,T;[
=>8D7;@!TC=^=>8RF@=>8xD(,T;9S
|)T;[
=>8`<@!TC=^=>8RF@=>8x|)T;DJh[
_O_Ok*i<*;,/*8692
F@=>8h<C=^;F;>9KN5xCCT<;BŠ917g
V>89SF9dHD^SN;?<hM>89M9KNm>7gD=;N/9r;5
`s;;W>\<CT<;[
_O_O{$|<N1]-/*8692
ME7o=>8h<8S7?O7>DI;D=;=@9:;C`=>5`s;Q>
;4<;[Z8A=m>7g.CT<;3;4<;=>8RdT/`s;hM
E7o^‚lhME7o?9_3f;RdT/`s;^>h=@hME7oDH:
C=^>8[
_O_O} b//*8692
&X=>89?.H:CT<;9KNYT9_GX<=717>8?
Q>CT<;3zh =>8?9>E=.;TD_<E^B^=9^HV>8A=O78
9_VB^=9^HV>8Q>' >H3C^G;=<D^NQ>CT<;
>8<C^G;;7r?Q>;4<;[
&X=>8‰t;717?U'?RCT<;U'?CT
=;9d9^HB^=E>=<@SDQD=T\RdYƒ=>8A=;T
D_<E^So/=lB^=hM[A=O789_Q>' >H6HX=
>8?9>})•;TD_<E^So/[
_O_O~*>?,5-*b//*8692
• =>8x;h1y
• =>8A=@HX5`s;y
• =>8A=`T917Ky
• =>8N/?y

• =>8D^;R/y
'\!;78]^=@(~'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
• =>8A=@HX5`s;`/u;y
• =>8L;O7>; /s/T<<Ee`s;•5`s;y
• =>8A=@HXo7…KNHX†y
• T/K2;X=>8CT[
*8692-v,5gC,•&‚h1=>8?3CT<;<\ Qs
>8?1S<CPCSN/9r;5`s;[
*8692-*W8*;,Ab/ ,€`,5•\<CT<;YT9_<m>7g
H‚@HX5`s;`78D6D=;H:C=^;F;>o9_[
*8692-*W8€•B,3C1->•\=CT<;>8?9d T`
T917K/TDdE^Y7o3C`=>3`_s<T`T917K/ss9F
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*8692-lQ5we•R>8?3\<CT<;YT9_<m>7g
E?hM?>8/^D^:;.E?N;?9KN>D>9dD^NA=7Cp@
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HX/5/^D^=@HX5`s;`/u;[
*8692-*=,5‚19,5*<@e6`e*B-*7,*67Ns€`,5-*ƒ ,€`,5•\o/
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9dHX;VHlh<9@hPQ>\[=>8/T<<Ee`s;•5`s;3
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GB^o/7g=CT<;KNE?VRD<C=^>=TQ>
CT<;3/ZN/.TO79_Q>5/Q<' >HV=@
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'\!;78]^=@(•'!"Z_K
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o//T=>8D=;C=^;F;>o9_<=9R3B>=;rH?9M7r>8
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F9dH=>8[
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w7<89T;TC^G;789:;?Q>;4<;9d/ss=>83
w7<8u9T;T;4<;REe`s; 7O7^?789:;9d=>8>8
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_OdO_O_p<l8 ,€`,5‰Š‹
’QD=5`s;h<DQD=`=H:=lH:RHCT<;CL; 
9KN;v>s<5Q>H69?.;4<;[>8RTCTDQD=5`s;
h<DQD=Y^8D>CY7o W;BS?CL;hKF;DK.9KN`=;784
QO7>>8CTO7>H<CT<;CL;D^9KNN=;4<;H:T
9189Q^;?<hMC9S@3x9RT9:;Yo79S=@9:;C`=><R
dh<H=;4<;B_/TE^[
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D=;9R!
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7rNQ>;4<;h<>>8gH['u;O7>8?<;>69KN=
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)•3>06Z;3/KF;43O7gV73w1237:<
/?12 >8[
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789:;?xT1;h./`4K3T</1CSCT3<=>8D=;
V7hvL;UK2;; /3;>=L;g^<`_s3q017GH(••(3
;4<;HJD:;H=@9:;>=TO7?S<C`=>;=@ [<
TD7:;4<;&L;K2;' >H3'AB>C12=@
9:;`><=;7r?@‚<;7r?9V7u>x;4<;&L;
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; /•3;4<;9M<9>;9>`@;R>T; /sC`=>3 9@R>
L;; /;4<;[W;GHO7>T;4<;CL;;x;th
/o9o7K2h<9@9KNW;<L;o9_3CL;;x;h.H@
.f;:`7;9>`@;C`=>< 7O7^[
'\!;78]^=@,-'!"Z_K
4566789:;<=>8?@'AB>C12,)((,)(-
dOZO_?/]1-t/*b/
'AB>C129MY48`;H:2o7tXB:HT8O7^hP<u>9d
/T78?9>;7rh<hNSQ>H6nH=@9:;R 7O7^[
0:;fTB:L;4'AB>C12h<H @~/u;B>3
B>=;rH!

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 H3_7DT H7;3D>O78S9_9V7<HI=@9:;Q>;4
<;[TH9?RO78VtXBt H3H] H3CAKJ;3Czh7gTB:
L;4Q>92_[0r;FS/gL;x:EJ5<
To/`K.9d=@9_ShKN/TDdC`=>=T[
*w5<BA3:/•RDT H‚DN3;c/9iTH9?D=; 9V7<
HI=@9:;Q>TA=E/4L;3Q8O78VQ>TH9?3_7DT
 HDK.TH9?V Hs9KN/4L;3;^O78SW;o9V^8E
D=;=@9:;C`=>Q>TH<TH9?;>=/R3>8HlTH9?
;^O78SL; CTH9?9Š;[
*o,5t/*b/*7,*/*.,*• L;TtX<9u>@=TB:
TA=QDK2;35ETQ><K.3 L;T5D_3G
/u;3=@9:;C`=><L;TB^= >=<=T3B?D54E
>HHK7=">TH9?3;^O78STo9VhO7>9S9FE?;TB:<
o9VYM:[
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L;T<537;o/T`_s;4<;hO7>9S; /sCS=T3
YehP3@=TT; /sKo=CT<;VEe`s;TE^/{HQ>
;4<;[
*o,5Y*B/**7,5L89,*,5*<@e•</u; ; /sDS/3
;>=`_.CT<;h<`=>; /9dC>T?Bn;9r?' >H<
;=@ [ T; /shO7>9S5`s;3O7^hPTE^/{H5
`s;/ZN/.S9:3dh  <[u;<8B>=;rHh7LXG;t;
N/f;h</u;; /s>HHK7=TH9?T`CSCS=@3
 BT=T==@9:;n;GHQ>T[
*o,5SB,gƒ•f;RXG;K/u;CT<;`=>; /K;
CT<;J948h<T4[
*o,5<^,-@*8‚1••k7^hPC=O7“3X;<7V=T9dH;>=
`_D=;<;=<O71837VHl=T`=>; /[
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