SỬ DỤNG MÔ HÌNH CAMELS ĐỂ PHÂN TÍCH VÀ ĐÁNH GIÁ HIỆU QUẢ HOẠT ĐỘNG KINH DOANH TẠI NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU

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NS9VR,2G>j-AG]..34>f>
--,RG95X9WGX,4>JR,22-fBk
RlIg:-5AK9GX>.;-RlQ-
[Q2QIg&mn*
,49Q0-6,Z_-12AI
`aBkRlIg&mn>f:->GX,4>
-12.34-567JK;9=I
-:9-:>.;-5;TA,-,./0-122
>,4 D 89=JKX,4>JR,2>.;--__,
--A,-,A_ !*
o,-64-K9W/20-h-p.JG
:-9>0A,Z_JJq=KB<
,_>.;-Be.RrsA5B-126Q,>fA,Z_
>.;-,G3*^@`--36Q*
tuv#
v#w##$%'7#%7Fxvy"vtuv&z#{|O
7y%F"&}~N7v#7&mn
*v#w##$%vy"v&|7y%
    .3  4  -5  6  7  •0  2,  R-  AUK
B2,@-2Z+2J€>.;-Y•Z7•+€-:
h->9,,4>JR,2B2Q!‚8* ,>
.f-12g+_ƒZe-,--Zc9e-B2>
.J-XZs1,-:AW9=B<GX9>4,
>e-JR,2*--SZ„-12+>.;-`->Z-:e--…Y
--d29GX*,Zc9e--:--<-,R,2
G+.>KJ-q99T2K-_--YZY-9--
R,2GZ*,Zc9e--:+.->Q_9,J
R,299-,92QZ02Q-QfB2,4>†;J-
A2,ƒXZsB;9B-‡--<R-9lA9A,

f--R-9l-,J-9^->…Q,4>eJR,2*
NK8ˆ‰ˆ !+-8!‚-9d2,R->2,4
>4!Šb,-.-*:@,BSZ.;-9d2,
R-9‹Y>-12†J9e-9,5Z;_g
Sƒ:&WNI2A99Œ>ƒAUnIƒZ--
./YQK-12
N.fJR,2,2>,4 !D •A2,ƒ
,Zc9e-R-9l-:AZŽ+Kl-_9,>,4
J--_-2,9Ag*-fRe-KZ.;-B•-^Y
^J-9=-J-G4*
F, 8Q-d-.\-12AK-S•ˆ  +>[
l9=Kl-Z42A5JKB-1-S--,4>
QWS9•,4>>6.*&j-RŒZ;_9
BS-b0J-JI.J‘9Y.g-JKX+>4>.;-
Z>J:-ZG,,-JKJJ29†Ze-J•-l-9`kZs
--9r>Wƒ>Y-12g*QJKX,4>JI.J‘9Y.
+9r-h->.\JX29WQ>9-,92QFo*;`<
>.;-JfB,\h-8’B2=AG49Wƒ;`kZs1,
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'@ 03%9X!&)5"†X 5Y 0( 5+0 5%E"+†I+>h  5C("'(>FC'& 53m"5J"2"#
220s 03'W:d/!DX* 5[0D22)*+!,!-' 20ZC+D+H$:!P 0'#!F)
>FC. 2C( ' 2"20"…$2BC 50CE2!, 5)(H$:!P 0
1.2. Chất lượng nguồn vn của NHTM

 +1X•' !"#$%&•H$˜KQ2Bj>;I$ 5' !"#$%&•H$˜!]$23X0D22B"…
50"&X'L•%4" 0$W [0R 5+0".
0rI. 2C( ' +1X•
•0rI (:20…0"& [0F O 5[0F O 5!F)>FC)‹"!6 5' B= 5+ +;
!R 55lX'(C>• 5 0j 52("IF +  5Y 0( 5!k!"#$+0r 0B-"BC0rI (:
!34+2@ 02CD >• 5+D+0+0". +1X•"ZB‘+0C2; 52("IF !k!"#$+0r 0B-"
BC•v"I[Š™Z"502ZK.IIZ2I‘ +YX!34+0"…$ 03%(2; 5' 5lX+ +;!R 5'(
0j 5X0] ' +;!R 5!34+03i 5 03 5[0R 5 0W %E"•X.:C$2‘d)(!…!l!…
2"^X2L+X0D22B"…  5Y 0( 5d l>.C56)' !"#$%&d%4" 0$W !…%E"d+D+H$˜>.C
56)H$˜KQ2Bj>;I$ 5' !"#$%&dH$˜KQX0= 52("+0@ 0'(H$˜!]$23X0D2
2B"… Y:+l20…+C"%( 5$6 ' +2%—"•+CBZ+.X"2.%‘+ )‹" 5Y 0( 5
•p%& (:+( 5%9 d2B39+2"h 20…0"& [0F O 5+0P$!Q 5!34+ 0j 5B-"BC
[0R 520$06"!34+' •2("IF B-"BC‘+  5Y 0( 5d 5Y 0( 5Iš2"^X2L+0CE2
!, 5'([0R 5+0P$ 0"#$2; 20120*0."%(20…0"& )*+!,B-"BC2BC 523s 5
!"d2p%& (:%9 !6 5 50›.'9"B-"BC+  5Y 0( 5 0Œ0s 0*7d l20…0"&
[0F O 5+  5Y 0( 52BC 5'"&+20. 02CD +D+[0CF  4
1234F582?LM4?@923A2B<233C9CD;E2FG44HFG4I
NDO2=P5:QC6RDS23T
FG44 FG4F FG4I
 !"#$%& q7MGqGA q7MGqGA q7MGqGA
D+H$˜ MA77M Ae7G< f7<qA
4"  0$W  [0R 5
+0".
eeeqf GGA7 7AMfG
82?LM4 44UVUGUF 4FWFXXVF 4FYWIWFI
D+2p%&. 2C( ' %$R +.C0s )*+H$:!P 0"#$ (:20…0"& i 5$6
' +1XK6"K(C9"2n 00n 02("+0@ 0[0D%( 0)E 0d2p%&. 2C( ' 2"20"…$
v+ /%$R +.C0s )*+H$:!P 0%(q”+ BC 5!ld2; 5
5$6 ' + /+0-:^$!^ 2œ 5$6 ' +1XK6"K(C%"h 2L+!34+>;I$ 5
H$.+D+ O)5$6 ' +1X0]$ 03[0R 5!D 5[…5$6 ' +1X!34+>;

I$ 5H$.+D+ O)2œ+D+H$˜'(%4" 0$W [0R 5+0".5$6 '  (:+  5Y
0( 50Y$+ˆ 5%$R !34+K$:2Bn[0D; !P 02BC 55"."!CE  (:
…X0F D 0+0@ 0‰D+0s [0F O 5. 2C( ' d%CE"2Bœ%4"20^203s 5)E"
'(2("IF 'R0n 0B.[0Œ"2; 52("IF '(2@ 0p%&!= >?: +1X.$[0"!E2
)*++.C 012M<” O)ffed2p%& (:%"h 2L+5"F)'(+0r+= <7” O)f
0ZC20R 5%&H$+2&d'"&+2p%&!= >?:' +1X5"F)‰$ 5K39"A”%(2@ 0"&$
+] X0F"+0†_$: 0"h d2@ 0!^ 7foGofd2p%&!= >?:' +1X+ /!k
2O 5%h 2Bh A”•!E2A7”‘I.$[0" 5Y 0( 520Q+0"& 2O 5' 20( 0+R 5'(C
H$_of
#[0F O 52Q+Y !"' + /23s 5!"22Y:%(X0] ' +0-Ii
0j$+  5Y 0( 5'([0F O 5+  5Y 0( 5!DX* 5+D+)l '.: 5(:+( 5)i
B, 5+ˆ 5 03+D+!P 0039 5X0D22B"… 2("IF 2"#) O 5)( 5Y 0( 5+] !E2
!34+&20 5X0Y 2@+0‰Z)‰•2[0F O 5+  5Y 0( 52BC 5'"&+
0$:!, 520h)' +0-Ii0j$2BC 52B3m 504X20$.%‹'([0F O 5+ˆ 5 03
+0@ 0ID+0!…20"^2%WXKQ2Bj2BC 52B3m 504X+lB-"BC0CE2!, 5Bh 20Q+2^d
0m+l 5$6 ' K6"K(C'(23s 5!"; !P 0d/+l[0F O 52Q+Y !"'
!…!DX* 5+D+)l '.: 5(:+( 5)iB, 5+ )n 0
1.3. Xu hướng thay đổi nguồn VCSH
1234I5,RBZ[23:B9\D]C23RS2(ND=5:QC6RDS23T
FG44 FG4F FG4I
; 5  '  +0-
Ii0j$
qAqfq G<<A Af<f
p  %&  2O 5

A” G” Š”
#H$:)Rž5$6 ' 2Q+l+ /!34+2O 5+3m 5H$.+D+ O)
'9"2+!,2O 52B3i 5>n 0H$Y A O)•2œffqŸf7‘!E27”BC 5!ld
' !"#$%&%"h 2L+!34+>;I$ 5d5"†X+0C0&I. 2C( ' 2"20"…$v+
5Y 0( 5%$R !34+!F)>FC2Bh q”BC 5 O)fd/2O 5' !"#$%&

20h)7fff2p!6 5%h 7ff2p!6 55$6 ' 2O 520h)!34+%1:2œ%4" 0$W
+03.X0Y X0"d2œH$˜KQ2Bj>;I$ 5' !"#$%&'(2œ+0(C>D +;X0"^$B.+R 5
+0† 5
C^RDS4I_2BB`2B=82DCaRb6=<=82?B@7cBdR3C9CD;E2FG44eFG4I
O)fd2; 5 5$6 ' 0$:!, 52œ20P2B3m 5!E2<AGG2p!6 5d'
+0-Ii0j$!E2G<2p!6 5d' !"#$%&!E2q7MM2p!6 5–+K‚ !"#$%&
!34+2O 5%"h 2L+!…+F"20"& 2n 00n 02("+0@ 0+ /2$: 0"h ' [0R 5
2O 5'342IC'9"IQ2O 52B3i 5%9 )E 0+ 2; 52("IF 2BC 5!l+0"^)2p%&2O 5
+.C%(; 5K3 4H$.2œ 5 O)
1.4. Mức độ đòn bẩy ti chính
*+!,!= >?:2("+0@ 0•; 5 4X0F"2BFo +0-Ii0j$
1234X5f?DgDh2ij\:<C?B_2B
JKFG44 JKFG4F JKFG4I
; 5 4X0F"2BF•2B"&$
!6 5‘
GqfGfM G7Ge7AA A<fq<MeM
; 5  '  +0-  Ii  0j$ qAqfq G<<A Af<f
•2B"&$!6 5‘
*+  !,  !=  >?:  2("
+0@ 0
dA dqM d7
*+!,!= >?:2("+0@ 02B$ 5>n 0+  5( 0%(A2BC 5[0"!ld2p%&
(:+  5Y 0( 5/ O)f%(H$D+.C•dA‘O)fd0&I (:5"F)
‰$ 5+= qM 03 5' 23s 5!"+.CIC'9"+D+ 5Y 0( 52BC 5 0l) 03
/•ff‘d/•‘d/•fM‘5$:h  0Y KC 4X0F"2BF2O 5 0. 00s
2+!,2O 5+ +!,2O 52B$ 5>n 0+  4X0F"2BF5"."!CE  (:%(7G”
2BC 5[0"2+!,2O 52B$ 5>n 0+ +0r!E2M”BC 5!ld2O 5KC
' !"#$%&[0R 5 5œ 5!34+>;I$ 52œG7AA2p!6 5 O)ffe%h q7MM2p O)
fd+D+H$˜'(%4" 0$W I.$20$^+ˆ 5>"^ !, 520ZC‰$039 52O 523s 5* 5¡
4X0F"2BF2O 5+0-:^$KC2O 52B3i 5' 2"# 5J"'9"2+!,2O 52B$ 5>n 0

77”dX0D20( 05"1:2m+l5"D+ˆ 52O 52B$ 5>n 0<<”
"&+/+l‰$039 5 5(:+( 5)EC0"…)0s 2BC 5'"&+IJKL 50&I
!= >?:2("+0@ 0),2)–2). 5%E"[0F O 5I" 0%4"+.CIC 5!6 520m"!?: 5Y
0( 5'(C2n 02BE 5+s+1$' [•). 2C( $: 0"h dI%"&$ O)f+0C201:
0j 5 ‹%Q++  5Y 0( 52BC 5'"&+[0‡+X0L+2n 02BE 5 (:
1.5. Mức độ rủi ro đi với các hoạt động ngoại bảng
#+D++.)[^2 5CE">F 5ž2BC 5H$D2Bn 0[" 0KC. 0>n 0203m 5d/
20Q+0"&  0"#$+.)[^2 5CE">F 5[0D+ 0.$D++.)[^2 (:>.C56)+D+[0CF
>FC%k 0d2032@ KL 5p2Bƒ 55"j.2032@ KL 5'9"+D+[0CF >FC%k 0[0R 5
+0h 0%&+0 0.$H$D%9 
1234V59Kkl:23;ECi123NO2=P:_2B5:QC6RDS23T
0r2"h$
JKFG44 JKFG4F
JKFG4I
"D2BP p2Bƒ 5 "D2BP p2Bƒ 5 "D2BP p2Bƒ 5
03  2@
KL 5
MAG<ee <7de” GqeAM A<d” AAG7< AAd<”
/FC%k 0 qMf7qq AGd” 7efGM< <Ade” fGG7fA <<dG”
; 5 MGeeM ff” 7ffA7 ff” <GGq ff”
0n +0$ 5dKC. 0I+.)[^2 5CE">F 5+ /2O 5H$.+D+ O)$:
0"h dKC. 0I (:' B12 0ŒIC'9"K3 4+0C'.:+  5Y 0( 5BC 5!ld+D+
[0CF )L+>FC%k 0+0"^)2p2Bƒ 5 0"#$0s d203m 52Bh Af”@ 0!^ 20m"
!"…)7oofd0CE2!, 5>FC%k 0+ /2O 52B3i 5MG”IC'9"20m"!"…)
+$" O)ff$: 0"h !^ +$" O)fdIK3>FC%k 0+ /+0r2O 5
2B3i 5G7”KC2n 00n 0I$:20CD"[" 02^+0$ 5^ 7oofd/+0rX0F"
2BF20.:[0D+00( 50s AG2B"&$!6 5•+0"^)ffM”IK3>FC%k 0+‚ 520m"
!"…) (:‘03'W:d 0n +0$ 50CE2!, 5>FC%k 0+ /K"¢ B.; !P 0
03 52O 52B3i 5+0W)2BC 55"."!CE  (:
P1,,4>,4AZZ,41,`<G,./;

f--,4>,4A*˜4,./;
A,Z[-IQKK-IQQBg
>h22,,AS-9Z[-hJ,R,-IQ*
-,4>,4A-12+-1QKA2,ƒ--J,-2JK
-,92Q9--gh-A,Z[*‹Y---2JK2,R-,4S.
-2JK2A,4G-J‘4•H,?2R€9XQW-Y2ˆA,4G
-‹ZG<q*+e-G-:B-A,Z[_Y6Z--
J,A,Z[>W-BK-<*NoXQK>--4h-A,Z[
-<-,---9R,2G0-3B\>.;-…>-j-•>.;-
`@`a.J,92Q*
P1,T,4>,4A-12+-1QKA2,ƒ--J,-2
JK-,92Q9--gh-A,Z[*&`.>2f4•
,,4>-12G>4Z9G-\--G9l,4
A*@,>c2,4>,4AZ--,4>JI-A
->SB•A€*Q0--,4>,4A-.\
4.3Z2-12A->SBAA\9g--,4>
,4A-f4,2=B-9B;A5B-,A->S
A*F:Rl9W,4>,4A-12.:Rl
RedA,Z[-,-IQK*P<W-IQJIf
>.;-KKJI-A,Z[-12*
™<T:-<-12--,4>,4AZ
>.;-Z[,JJIBkRl9SJR,2-,0>[JQKJ:-
--,4>,4AQ-f*Q0=,4>Q
-pW…W1,*˜4,./;-IQ
KBg>h22,,AS-9Z[-h
J,R,-IQ>>WQRr>KA,Z[.>[\
A_,A->SBAc2ZBkRl
9SJR,2-12g>f2=-2JK,.A,Z[*,
e-K=./;2Z†0Y,--,4>,4A
>[\=Q0-:JK-,-fB*

1.6. Hiu quả s; d=ng vn chủ s> h?u
"&$H$FIJKL 5•4" 0$W I.$20$^o
1234W5C6RmR17nop23(NO2=P5:QC6RDS23T
JKFG44 JKFG4F JKFG4I
4" 0$W I.$20$^ 7fMe< Me<f<f eG<q7
 qAqfq G<<A Af<f
"&$  H$F  IJ  KL 5

Gde” Gd” GdG”
0r2"h$ (:!D 05"D[0F O 5I" 0%m"+ ' +0-Ii0j$d2Bn 0!,IJKL 5
' +  53m"H$F %_KC. 0 50"&XzC!ld+0r2"h$ (:+( 5+.C+( 522b$.
>F 52Bh 201:!34+d0"&$H$FIJKL 5' +0-Ii0j$+ /5"."!CE  O)
f2Bi'#2B39+!34+!D 05"D[0D22[0"2pI$120"&$H$FIJKL 5%$R i
)*++.C•2œfŸ7f”‘+0C201:0"&$H$FI" 0%m"+.C+ )‹"!6 5' +0-Ii0j$
5Y 0( 5>ŒB.d+ˆ 5 03[0F O 5IJKL 5'(H$F %_22' +0-Ii0j$+
5Y 0( 5$: 0"h d O)fKCIQ>12; 2BC 5>,)D:%k 0!EC+1X+.CK
!^ IQIL25"F))E 0)š+ +0r2"h$0"&$H$FIJKL 5[0"+0r2"h$ (:
5"F)!,2 5,22œGe”‰$ 5+0r+= G” O)f'(GG” O)f7^
20m"!"…)0"& 2E"d 5Y 0( 5 (:!k+l 0j 5+0$:… >"^ X0L+06"2$: 0"h 0"&$
I$12 (:+03.20Q+IQ!34++F"20"& 
1.7. Khả năng chịu đựng rủi ro của NHTM đi với quy mô vn
•8D+!P 02BC 5H$. 0&'9"2"# 5J"
1234Y5(q:Ca23nCNO2=P5:QC6RDS23T
JKFG44 JKFG4F JKFG4I
 qAqfq G<<A Af<f
"# 5J" eG7<qe7e MA<fqM fefe<
o2"# 5J" fd< fd<G d
 l 0"#$H$.  "&)+0CB• 52p%&2Bh 2"# 5J"+( 5+.C20n+( 5.
2C( zCH$:)R2"# 5J"X0F D 02BD+0 0"&)+0"2BFD++sH$. H$F %_ 5Y
0( 5i 0"#$ 39+H$:!P 02p%&2"!.o2"# 5J"d+C" 032"h$20*+!…‰D+

!P 0!,. 2C( 2BC 520. 02CD %"h H$. !^ H$:)R$: 0"h d2pI (:
2Bh 20Q+2^+0C201:[0R 5+l!,+0@ 0‰D++.C0ZC 03>F 5M2Bh d O)f
2p%& (:2O 5%h 51X 0"#$%] KC%34 52"# 5J"2E"'(+0C'.:+D+2;+0*+2@
KL 5[0D+5"F)!" 0"#$%] 
•8D+!P 02BC 5H$. 0&'9"2; 52("IF
"&  .:d2p%&2Bh 2; 52("IF K] 20.:20^2p%&2Bh 2"# 5J"d
‰D+!P 0)"H$. 0&'9"+D+[0CF  4dX0F D 0[0F O 5>‚!‡X2; 2012
+ +.)[^20C( 2BF+  5Y 0( 5
1234r5(q]23:<C712NO2=P5:QC6RDS23T
JKFG44 JKFG4F JKFG4I
 qAqfq G<<A Af<f
; 52("IF efq7q MG7fMGfM GGAqeqeq
o; 52("IF <dG MdG MdA
•8D+!P 02BC 5H$. 0&'9"2; 5 4
1234U5678(qsMB1C:Q1NO2=P5:QC6RDS23T
JKFG44 JKFG4F JKFG4I
; 5 4X0F"2BF GqfGfM G7Ge7AA A<fq<MeM
 qAqfq G<<A Af<f
(qsMB1C:Q1 <d<<” MdM” ed”
p%&o4X0F"2BF+0C>"^2[0F O 520. 02CD +  5Y 0( 5pI
(:+( 5+.C+0C201:[0F O 520. 02CD +  5Y 0( 5+( 522d!F)>FC!34+
[0F O 520. 02CD  4+  5Y 0( 5&I (:+  5Y 0( 5/23s 5!"
201X O)f+0r!E2<”$: 0"h d2p%& (:!k!34++F"20"&  0m'"&+>;
I$ 57fff2p!6 5' !"#$%&d[0"^ +0C0&I (:2O 5%h MM” O)f
N£¤ž2:-h->2,9S2>,4 D 8-12
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=GX9W,4>JR,2+9rRQg>.;-h-2
,9W9S`a0jAU--12GS*GBS2,9S
•P€-12+,2>,4Q>W>hQ0-6@,I.-12

9W9.;.š<`2*3K=2-p-^Y>K
9G-A5Bƒ9S>WZG-AUGBS>dA…Q-:-2,G
X-I-BkRlƒ9S›T>^-,-f>A,
>.;-9G-†;2,--J,;>K4>A,-3-<9S2,*
,2Y9rJIT>.22=-2,-<Z.;
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BS:-6>Q-p>[-,<Q=-QfAK:--e-*
STUV
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-12*<Z.;B--<Z.;XZsJ
2,JBZ/9f9YAW9=-12*|6
Z1,,,4>>W_\:2B--120
-Œ99G->A,->19Sg9G--2,-<Z.;B-ZQKS
X2Y>f>A,-,,4>9f2,1
,*
Nf>-<Z.;B-&>2-fGX2--
R2l--,92QR2l->6.B-S>9--J,l-,4
A-12*
**&h->_R2l--,92Q4
&--JX2-ABSZGB29Wgg-,92Q-12
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()*+,+-+.)//.)/01)23)**454678),9 :,9-;
b0 N39 <=,9 <=,9-, <=,9-;
5B ‹>ƒ •* Š‚*8 ‚Š*
5R.; ‹>ƒ  *•  *• Š*
FSQ> ‹>ƒ ! *  !*Š ‰*
‹ZG;`< ’ •• !‚ 8
5R.;ˆFS
Q>
Š Š8 Š

‹ZG-,
92Qˆ5B
’ 8Š ‰• ‚!
C5R.;ˆFSQ>
b0Q-,9KJBkRl9SQ>-12*g
--.2J2-Sƒ9SQ>,-,92Q‹BS
5R.;ˆFSQ>,8    8>WR.*Q0
ZR,ggJKJJ9>2_`kZs--9<
>Wƒ>Y-12g*
C‹ZG;`<
b0Q-<Z.;G9l:Rl-p.J
ƒ;-12^>>.;-e-41,:Rl,
,4>*2BSZG-,<Q‹ZG;`<X2--*
83‰>f6B,9  .‹ZGQ
>^gg-<Z.;B--12+*,AS-WJKj
WJJWR,2GA>g>SB`<2ƒJ,-2,
›g;`<Z>WJJq*oŒ9_Q‹ZG;`<9r<3h-
AgX*Fg9_Q 8Q-d-.\-12=BJK
T2ZRed:-Z_-.\-12Bh-aZ[B<
-,92Qƒ>Y-12=.-ZA0Z[ABQ.,4
>JR,2-12+9r>.;--1-S9-GX*
C‹ZG-,92Qˆ5B
‹ZG-,92Qˆ5B-12+Ag>4‰8’,8-2,
<Z 8>4‚!’ <<>48Š’*NQ-pZh-2
,-,GSJ>A,B-:Zq<.--J,92Q
JI-K‹YX-2,,5B*
&h->_-,92Q@,T0-:>.;-:--lf.
B2
***@,Z,4W92Q
™a@,Z,4W92QZ,4WG-1QK-,92Q-12+ZFo‹ZGQ

ZI-K0Š’,5R.;-,92QXQ>5X2--9JI
T,2>,4 D 8*,J>‹ZG,4G99
-K‹ZGq39-`.*  ‹ZG,4G99
>JfJ,8’B,9 * 8‹ZGQ-pKl-
J,!’`S-dŠ8‚•G>ƒ*
Q09W‹ZGW92Q-BeAK>.9_QZ9g9,/>f
   8WJK-Be>`SRr>K--R,2G@Rœ3
99G-\>6.-9>6.2./.-,0*
NWQJK-,‹ZG-,92Q99,4G-BeBl*,2K
-,92QZ.;Z,4G-fJK+-W1,9WAK>‹
J9,/>fQ‹ZGZ4-2,9‹JITAK>*o,
>9-3-<-,92Q.9_Q+-f>.;-=1,9WAK>
‹*
Bảng II.2.1.1: Dư nợ tín dụng theo loại tiền vay của ACB
giai đoạn 2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
Theo
loại
tiền
vay
101.897.63
3
Tỷ lệ
(%)
101.832.103 Tỷ lệ
(%)
106.178.93
7
Tỷ lệ
(%)

CFo Š‰*!*•  Š8Š
!
•8* Š* Š •ŠŠ ‰*•*‰‚ •‚
C,4
G  9
9
‚*Š‰‚*• ‚
‚
•*‰‚*•88 • 8 *Š*8‚• !
Tổng
dư nợ
tín
dụng
101.897.63
3
101.832.103 106.178.93
7
Tốc
độ
17,6
(0,06)
4,27
tăng
trưởn
g
** *@,J‘492Q
,2>,4 D 8+-`.-QfR6T_
-,92QR4B2-,92Q•4*-fZsZ9g,2>,4
QWJK>2,2>,4>A9G--,92Q9R4
Q2Z4Z;_-2,3B,9-,92Q•4Q0-p…-h2

WQ-31,*,2`a,AS-e-KƒQ>-12--
&---&|0-1QKZƒ9S•4>5
>JI-2,-0‹YRŒƒ9S•2•>f-,92Q
R4A4A\XQ>-12.-g-3-<-,92Q.
9_QZ;Zs*&jJ-R,Z[B<AK><JZ./JfT •\
Z4>QJK-,--@4-,92QJ‘4RU1,
2J,91,Z[B<*
Bảng II.2.1.2: Dư nợ tín dụng theo kỳ hạn vay của ACB giai đoạn
2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
Theo
thời
hạn
vay
101.89. 633 Tỷ lệ
(%)
101.832.10
3
Tỷ lệ
(%)
106.178.937 Tỷ lệ
(%)
C•
4
‰88‚•!! ‰ 8 ‰‰*•Š•*‰ ‰!•Š ‰‚*•8Š*8 ‰8‰8
C
4
‚•• ‚! •*•Š*‚ •!Š ‚*‚•‰*!Š8 ‰Š
Co
4

‚•‚Š  • Š*!‚*8Š ‚‚‚ 8 *‚‰‰*!Š 8Š‚
Tổng
dư nợ
tín
dụng
101.897.63
3
101.832.10
3
106.178.937
Tốc độ
tăng
trưởn
g
17,6
(0,06)
4,27
**8*@,6JK
F>.ZAZŽ>6FG2>S.;J-
-1QK-12+ZJ--9--R,2G9T29q*
,2>,4 D 8‹Y-,92QJ--ZI-K
08‰’-,92QR,2G9T29qZI-K0‰’*_T
J-QZ<ZR,>j->f-12WJK.-2Q0
-->S.;'Q-g>XZs-dJa-.2>6.>^h-9,
9G--K-3-<AQ5-h-fZe->6.-WB›-p
Q\4JIq-,+*sR,Z9gJ-,92Q-->S.;J-
QggB`<JR,2-12Y<4Q-.-=AK>
Q-12I./JK`[A0,*Fg9_QJa,@,=1,
,Xg-<:Rl-12+*@,>--3-<R2l-
@,>S.;J-.9_QZ;ZsŒ;9./l-0

-12--&|9`.fWJKW6
4FG2*
Bảng II.2.1.3: Dư nợ cho vay theo thành phần kinh tế tại ACB
giai đoạn 2011 – 2013 (đơn vị: triệu đồng)
<=,9 <=,9-, <=,9-;
/>7  0/?)/
@/A)B4)/0C
D  EF
GHI
D  EF
GHI
DEF
GHI
o,2  G
.-
8* 8Š*!‰• 8• 8*•‰*•Š 88 *‚ ‰*‰ !Š
I  Q  -5
6  
o
‚*‰8*‰ ‚8 ‰8*!Š* Š ‰ ‰8 ‰Š*!8*Š ‰8Š
I  Q  Z0
R,2
‰*8! ! 8‚* ‰‚ 8 ‰8‚*‰‰! ‰
IQ’
9S  .-
,
•Š*!• Š !‚Š*‰ !‚ 8•*‰• 8Š
;-`[ *‰‚  ‚*‚•• 8 8‰* 8
    --
>S  .;

J-
8‰*•* Š‰ 8‰8 !!*8!•*Š• !8‰‰ !‰*‰!Š*8 ! 
J)* -9-+KLM+N;
;
-99 -9-+K;,+-
9;
-99 -9N+-MK+L
;M
-99
**!*@,WJR,2
+_-,92Q-1QK>S9.349R-9l-
ž->ƒ‡JK>KZB`<92-I-KAK*f<Q
+-1QK;>S9=>.;-.-JQKJ:-B`<
JR,2*s9W>WQ.-2Z.->2f--B
…l-9l->ƒ-K‹Y9S>6.Z9>.;-.-†;
9gK-,92QR-9l->ƒZ-,92Q2,>S9
>.;-W1,*+0-4>JfTJ2_E)-I
GB`<2-I-KAK>f`<J…-p.>f0l,.-
-`.Q-9g9_Q_-,92Q>S.;QB•Z
.>6.>^>•>@Z4WZ;_-,+*
NS9Zc9e-`QRe9JR,2A<>B+ZIRQg‹
ZG-,92Q;Zs-bJ,R.8’,R2l--,92Q>ff
=1,-f`Q2,Xg-<:RlJggA<
>B>2>A.G2Q•>QZZc9e--W1,K-,
92QWB•-Q-3JIƒ>.;-9SJA<>B0
./Bl4B2--J1,-:€*
Nj-AG>S9Zc9e-J-B4>2Q-f
+-p>[>.2J,-,92Q>S9Zc9e-ŽQ9,R2l--,
92Q-12g*
Z4X2:--3-<R2l--,92Q@,JK_

<Q-h->>2R42R2l-JI-2,JI-b+
JW&|J--p-1QK-,92QJ,8D!
.3e29h->1,_J„AfG\‹YR.;-12
B,95R.;,R2l-\h--2,<-fZ0>K0
8D!’5R.;*.>[AK@,X2>f-121QA2+2B@ZJA<J‘
1,>3ZŽˆ1,,-J4,25<>1ZZ0X2>K
h-9SB,j-55<-12g>W>.;-`@Z1,_
*NQZQ-31,_R2l--,92Q@,JK
-12JI-b+W&FG2G2Q*
Bảng II.2.1.4: Dư nợ cho vay theo ngành nghề kinh doanh tại ACB
giai đoạn 2011 – 2013 (Đơn vị tính: triệu đồng)
<=,9 <=,9-, <=,9-;
DEF
GHI
DEF
GHI
DEF
GHI
.3 8‚*‰‰* 8‰• 88* *Š‰‚ 8 !! ‚*•ŠŠ*‚!! ‰8
4 Š Š
I
Z
G
88*Š! 8 ‰!*8 ! ••*88‰ 8
n
`<
2
-I
-KAK
!*Š8•*‰‰


!!
‚
 *• 8*‚   ‰ *!8* •Š  8
™Q
Re
!*• Š*!!! !Š! 8* *•‰ 8 ‰ 8*ŠŠ*‰ 8‰‰
oF  -

ž-
>ƒ
8‰* Š‰*8
!
8!‚

!8*‚ *!• !  !‰*8*•Š8 ! ‚Š
vF  ž
I
  Z0
Z4-
8*‚*‚ ‚ * Š*‚8•  ‚ 8*!‚*88 •Š
v,
Rl-  ž
N,4,
‰*Š‚  *!  ‚*•! 
.  9<
ž  J
R,2
+Nn
*!!*‰‚ ! *Š*‰ ‚ *•*‚‰ ‰



J-
B4
*Š!*!Š• 8 *•‚*‰!‚ Š• *ŠŠ*‚! ‚
oF  
-:
Š8* • ‚ ‚8*!‰8 ‚  
-

J-
*Š ‰*‚ Š ‚Š *‚‰‚* !• ‚ *Š‚‚*!!‚ ‚‚
J)* -9-+KLM+
N;;
-99 -9-+K;,+-9; -99 -9N+-MK+L;M -99
**‰*@,J9e->2Zs
+-,92Q-1QK9>S.;J-4--SZ-
h-BS.3>S-2,-pZ3_W--R,2GXQI
Z9g9_Q-692Q9S-2,3--J9e-J-*NQZ=./
W9-S->f-2,R,>Z.;9S-6>92Q-p-2,*Q
0\=9ŒQ-p-Be-42<JS-ZG9KJI->1
WZe--9W-:ZrJG,JR,2g<RiRr>K1
,JI>-.\>K-<Z.;:Rl-12+J-,92Q*
f<QUJ9e-|*ƒ:&Z3_WJ,92Q<*
NQ-pZ>WJRif9g>QZS>A_-<0-
.-9Bef4•-12--R,2G9S->f
Z0JIT>j2-692Q9S-p-2,•ZI-K0‰‰’‹Y
92Q0-.-,2>,4Q€*
Bảng II.2.1.5: Dư nợ cho vay theo khu vực địa lý tại ACB giai đoạn
2011 – 2013 (Đơn vị tính: triệu đồng)

<=,9 <=,9-, <=,9-;
/>7
B/O  PQR
6S5ET
DEF
GHI
DEF
GHI
DEF
GHI
|*ƒ:
&
‚** ‚Š‚ ‚ *•‰*! ‚Š8 ‰*!‰*Š‰ ‰‰
Nƒ
AU
BIk
,
!*ŠŠ•*• !‚ !*ŠŠ•*‰ !‚ ‚*‰*Š8 ‰•!
&W

‚* *88 ‚ Š*8••*Š Š ‚ *•Š8*‚ 8
&W+•- 8*‰!*ŠŠ 8 *•ŠŠ*Š! ‰ *Š!!*Š‚‰ ‰!
&W
NI
‰*‰ •*‚  ‰!8 ‚* Š*!• ‚• *8*‰‚8 8!
J)* -9-+KLM+N
;;
-99 -9-+K;,+-9
;
-99 -9N+-MK+L;M -99

2:-0-f^2 Q0Rr>K=4
-K,-3-<R2l--,92Q-12+.B2
CFWQ0-1X2>60ZBeKGX,-I-X
R2l--,92Q‡h2ZR,`.-4Q@,Z;_.-•
B1,>4,>h--12BS90,A2>S-0.\
>KGX-,-XR2l-*
CFWQ0J-X2 Q0-:h<ZBeAK>
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