Tải bản đầy đủ (.docx) (14 trang)

PHÂN TÍCH BÁO CÁO TÀI CHÍNH NGÂN HÀNG VIỆT NAM THỊNH VƯỢNG (VPBANK)

Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (1.02 MB, 14 trang )


PHỤ LỤC

GIỚI THIỆU KHÁI QUÁT VỀ NGÂN HÀNG VIỆT NAM THỊNH VƯỢNG
(VPBANK).
I. TỔNG QUAN VỀ NỀN KINH TẾ, HỆ THỐNG NGÂN HÀNG VÀ NHỮNG BIẾN
ĐỘNG CHÍNH SÁCH NĂM 2012.
 Tổng quan nền kinh tế và hệ thống ngân hàng năm 2012
 Những biến động của chính sách tiền tệ ảnh hưởng đến hoạt động của
VPBank trong năm 2012.
a) Chính sách điều hành lãi suất
b) Chỉ thị 01 Ngân hàng Nhà Nước và phân loại các ngân hàng.
c) Siết chặt thị trường liên ngân hàng:
d) Thắt chặt trạng thái ngoại tệ của các NHTM
e) Siết chặt các quy định về quản lý thị trường vàng:
II. PHÂN TÍCH TÌNH HÌNH HOẠT ĐỘNG VÀ CÁC CHỈ TIÊU TÀI CHÍNH CỦA
VPBANK NĂM 2012.
1. Cấu trúc tài sản.
2. Cấu trúc nguồn vốn và nợ phải trả.
3. Phân tích cho vay và huy động khách hàng.
4. Tình hình thanh khoản và an toàn hoạt động.
5. Thu nhập lãi thuần.
6. Chi phí hoạt động.
7. Chi phí dự phòng rủi ro
8. Lợi nhuận trước thuế.
III. KẾT LUẬN
DANH SÁCH NHÓM

GIỚI THIỆU KHÁI QUÁT VỀ NGÂN HÀNG VIỆT NAM THỊNH VƯỢNG
(VPBANK)
 


!"#$%#&'$()(**+,-./0#1234#5
6 #7&&89::.;#<2!=0&"&8> #=?26"#1@!8
A B168
C68DE#-F%234#GB"4H
#$ID1/#12E/&JIK#6E!6"
1#<L=#0#-M#-$6N234#5!=4O&/!P
Q$O&!#0.R.:6"SJT!DU$6V#-O"
WSX$"O&$234T&J/!PY>!4Z4
[824\!>]$?J 7^#=[6[/!P26&UD
#1X?_>1!8!`
,J/!P6B'D34=S#1Pa#1P!10&"
2#=?!8Q bSJ!=#?0D48B6
 
380#E2X#"cV^6M4d2#=?#5#$#K
67?02UM6[6[S^\2?6[D34&U#
^O64O87Ie/Q$7&4V^#5E
-&&f406Z84"2P!1>SP4
D346" #1E
L=\B6/!PK#6B76Y234#5O#<B1^
]$?J 7^&U##-!`!6a?[U
U8O!S^\2?6[6 6'b6"6]$
?JU!`6/E?6Y02Q^2 Q^!SJ 
&_#5#]$?J6!=4U034380#E2#5GB"
!=1 Q^!!D!#1&'2'!6$8UE2#a\J
Q O6g4O6"O&4?D,S6"6JY
U&Q O V67Q^!?234@4UG>V
KaXISQ^!U$!_!6B0
"YT&J4UG2>D34#5!P8$6Y06
#4H#Q7^P$Ih]VSgV?
B4234iXjk!4!l2^PEV&?6[#

&fV2>Q .29 ?&"Vb7^
P4
C1!Y&'S"V0234#5EY
B"!=6Yg!S &SmDLlBG/..234#5
/!P6B'6"6]$?J6!=4O&$=#K??"SJT
!D1!U$6VO&#-O"XO&$234
#l[8!P1!9#-61!+
B&n#-6/.:-M!8#JEBe
1O&<N4MIh
• /!PY>Q$O&2'!64Z46,o2#<
`4>1!4Z4?&"6I?[8?b
• p$?J 7^6Yg67Ka2SJ2U26'266
q'r6!=4O&E!8&6/E?D342#]$
?J66#g?J!8s! &_h
 W&!Nt
 qQ^t
 6Nt
 !=`t
 '$t
 0SJ4B
YQ^#0#!#0$=#K6GQ#54H#O&#Z
#gD3426"Y$#KIJ67M^2V&?6[2I$8
266,J'$D4# 6"34@$D 6"6/
&8[S &4"6<6 $#1LlB>^&34#!P
1#uZ!IY$O X $
#52#26Sv!P6@4IO&D34!!M""[8!P
1!9#-61!+B&n
#-6/.:
34P!e6"-M6O&!82SvSaD
M&&0&IV42QZ!N#OQ$7&`&

#16K#U2]$?J6/E?6Y026#EEQ^6SJ
!=D1#<
w Tổng quan về nền kinh tế, hệ thống ngân hàng và những biến động chính sách năm 2012:
1. Tổng quan nền kinh tế và hệ thống ngân hàng năm 2012
/.4x&07BVK# 6"74O6yU67BO#1# 6"0#1
D 74O/!P'02?l74E
4/2!M!0?S^76<4/#54O/!PI
?[#0V]V!P1!Y6V#7#Q7
V!/./!PI?[^/.u#0)2*z2V>
7S6"Y/!"6V>S6"[84=S/!PI?[Pa
.zRzD"
2. Những biến động của chính sách tiền tệ ảnh hưởng đến hoạt động của VPBank trong năm
2012
% Chính sách điều hành lãi suất:
IS#7&5SV!/.E7$#K&"6&8[!-&5SV$
#1Lg0&8[#0] GAz(/!Y#-/64OZ
/.Pa)z(/L<`G:(.2"@#5Eu#0
#"q^&5SV6$]  #9z(/C5SV6$g0
BeL# 6"-[6[U2UU2]V4\2UT!2
?{66G^G+z(/] z(/G(.^&5SV
&$8-VOD74Oe^&fD`?6#<12^
l&56$# 6"?207#70#1S^]V4?E=
#^34#5&UD#ZQ$#D"67&5SV
$#12#!7E^I?[#5?2#<`6rE=#^
B^#[84?D
B% Chỉ thị 01 Ngân hàng Nhà Nước và phân loại các ngân hàng.
(.2q#5Bu.(Rq6U6/s:A(qR,67K
aJIS7/.!#E2q#5O&0&0
AEa6"Aa"0/!PI?[/.hE
/!P #:z2E/!P #9z2E+/!P #)z6EA

4U#/!P$#$e[#I&0XMM
I64=S #1/!PI?[2!M!07q/!PI
?[E24U?J!8/&J$#1R#7#54O4^ 
!>6BVK!/.
% Siết chặt thị trường liên ngân hàng:
US (.(RqBYQ$## 6"0#1&8#5!
#`6E&JG$.(.*(.U$Q$??1S 1?4lv?|
4=S0#1$#166$&8X#E2KaI?[B0
O#6$OE4^Q0G.$!P&802"
42^!I&'?Jf!D!# 6"6?&8
?% Thắt chặt trạng thái ngoại tệ của các NHTM
USU.:(.(RqQ$#!00D2
"Bg#-E&JG$(9(.X#E2!00DB
}G~(R+.z6 JE] f~(R.z6 JE2#50O>1#->64
?D!&y6J$
X% Siết chặt các quy định về quản lý thị trường vàng:
`#=9((.#]X&1 Q!N# 6"!`64q$8-
^V?a0#1$#1"66$6 Be6uE
l4E4/674^"#0$#124•04U6Q
+.(s(.+!B ^D74O6 f7BO#1
6'$234#5]##$&1/#=34x[D  7^2
Q^6!0#120>167#7#=Ba!Y/O
X
ww PHÂN TÍCH TÌNH HÌNH HOẠT ĐỘNG VÀ CÁC CHỈ TIÊU TÀI CHÍNH CỦA VPBANK
NĂM 2012:
WOQ^4?/.a4Oa/!P&€!'0#1
-K'0#1-#0+.*;2/9+;2>#>/zS6"
/.2D$O?#EED/!P'&5-
 Cấu trúc tài sản:

"[8O[/!P0v67Q$U2/.2KS^VD
34#0.9:s;#<2/- ;2>a/AzS6" /.
/!PD$O?#EEG/!P6$42a4#-67
m66$4[=h
R 7m66$4#0s:s;#< /.2/+) ;>a
6":zS6" /.!#E7m0^9A+;^+z%6
6$/*.*:;S6" /.
R a4#-/++s;>a:zS6" /.a4#-
/D$O?4^#-a4DID2B<!OID
/A:ss;2IOq/9 ;2IO4B0/A.;2!4^B"
?[#-6!O?6!O?L7$
@b6"#"D3467 E?[S^E6]$?J1
B^# 4O6Y0>2EI4^>
R 6$4 /.#0+s*.+;/szS6" /.34&
1!YE;&/!P6$4VD
a/!P$@6.zS6"4O0DLqL#l!P#-/
6$4/'!6# 4EIMI&02E
S^#^B^ 6E4^/!^;&]V0`#= /.#5#
4=SPa2:z
 Cấu trúc nguồn vốn và nợ phải trả
K^!^0`#=+((.&*9*+*;/*);>a9zS6>
S`#=+((.2D$O?#EED/!P$#142!4
$#1&8YPaK#6V$`E^#4=S6"/
!"
R 7m66$4 /.&9s9s;-Y$8aD/.
u/s);S6"/.%
R V$`E0`#= /.&A:ss;^.:s;>a^
s)zS6" /.$8&?<$#1!`/!P0
v6?G2^4^D/.
R q$#14#09*9A;2/.zS6" /.#0*z4O0$

#1?L01#<K#U8?$L$&a/!P?r#-!`/.
6@&a/!PVD34G!""$;!N$#14
!K^!^G+)z!/.&8sz!/.
+ Phân tích cho vay và huy động khách hàng
R 6$4#0+s*.+;/szS6" /."a/!P$
34&1!YE;&/!P6$4V!
 
!>V6$X426$4?#0*s;/
9:zS6" /.2;!N?6$?!K?O9z2
!4;&$0`#= /.u&Az6:zP /..!>
V6$4?26$?6G6{O!8).z6&
#1&JI&/6$
R 7mD40`#=+((./.zS6"/.2D$OG/
!P7mBe;!N7mBeE]"/!Y
/Q6O4^*9zK7mD4!4#E27mBe
0-K#Q/px674•027mE4•0O!8*.zKS
?7mD4!+/Q7m4U4•0uO4^*zKS
?7m26D$O&734@#56#!=47Be
/;!N7m4U4•02Q#E^I$#16 6'$2?bfPa
448 2S ?7m4U4•0@#5ESJ/!P#4=!/.
/+.z>a6"+9);S6"/.
R "O&"#O1B&n#-2>V<6 $#14
D34ESJ#EE&"G4Z4/.$#1
G4/**zS6"/.6OsAzKS 7m4
034380#E234@Z#\$/!P7mG?2K
a4O6# 42e[#I/`BxS^\6/;
!NDS ?7m4U4•0!K>V7mD
A Tình hình thanh khoản và an toàn hoạt động:
MM4^60#1#^!_!!/.`Y
O&D34'!6]$?JB^# 4O6Y0>!B 

^74Of74E4/60#1D f7\7!D
!234#5]#[8#-D/.&Q^60
#1DL7#E=PuS 674^6;&67
##^B^6^0vS6"/!";&6$($#1#0:szS6"
a+Az/.2=4^//&8#4=qS 6 •‚%
V#029z>+29zS6"a =XQ$#Dq&*z;&
<6 g06$!?0#092*z#0Q$#Dq;&4^/
!^$&U&">9z#0$8-XG$2DQ$#Dq
@0a1B167!D!4^D34
!/.234#5O/6 #7&G9.9.;UQ6K
O!^KaK#UYG<&'Y&0/6 #5#L01
#<K#U`8#<'2e#<6 D34/!Pb
6"Q$U!=6#^B^u8!0#1DL7#E
@=Q$O64ODK#U!6T!O&?0D
34e!P!9q#-6!+qB&n
#-
9%Thu nhập lãi thuần:
'&5-/6";&>K'0#1-/.2'&5
-#0*s:;/*;2>a/A9zS6"/.2?'&5/).;
6I&5^;S6"/.'&5-O*)zK'
0#1-/.2;SV&a!8S^S&`^2)+zGa92)z
] 2**z2!4;&I&5!8U^!^&5^0>^A2s+z
Ga+2:zD/.] *2.*zD/.`#E2B8'&5-/
.2+AzS6"/.&8+2:+z38'&5-&8[/&8!Y/
-#$;&$/.&+2:+z/&8S6"a+2+*zD/.62):zD
/..L<`2;&'&5-(KS^E!D!@/G92+9z!
/.&8s2Asz!/.YS $V$Q^&5#5ESJ/
!P#4=264H#B"##Z#gD!6#?0ES^
\I?[2>!M#16V&?6[!/.
6) Chi phí hoạt động:

/.&/34#-0v6 7^!N&U
#-6 Q^!!D!2 UU6!=SJI6M
6'$2I0#1@/9:);>a6"AAzS6"/.34#5]
#<&J&$O !N#=JQ!M>V6$=#K0
vL=E=MY6ZY<&JEV&#EE
Q!M>V6$=#K?D!#0.R.:2
34#5Z!N#O64UGZ&68#E2I
SJ/./.;/sz%S6"/.ISJ@O;!N
&"V!>VKI0#1/.OAz%!2IS^
/*+;/+sz%?0#1#-U6S^ #2I!4X
e!IQ^&€2U6[%/9);/)+z%?0#1O2Q^
-M^D34!8^"
7) Chi phí dự phòng rủi ro:
!I&'?Jf!D!!/&A ;2/A*;/s*z%S6"/./
.&/#-834O!I&'?Jf4^6$K
aI?[499;%I?Jf[=@/ ;S6"/.2?
34/`!I&'#=#^B^0#14?
8) Lợi nhuận trước thuế:
C'!"OV/.#0)9+;#<2>#>^.zS6"/
.
/.&/#lB4E4/6"74OE6E!8
q0#14?D34@4UeB ^#El426
/`#-6 >SP7^&[84U=O!Y/#-
DQ!M$=#K2@&aI0#16#-/Y$O
$#5?r#O&'64^/S&`^#!/.;&&'SO
!86 DSPYBMQ‚ƒo%^GAz!/.] f.z!/
.;&I0#1!8K'0#1-/&8szGa9zD
/.L<`2&5>B^!8KO#09#<2^9.9#<S6"as.
#<D/.
$84^/S&`S$^g0##Bb#gBP1>V6 RS^

6Y0>61 0#1>2=Q;&6$($#1
V>2;&6 >6;&!I&'?Jf/&8S6"/.L7
$@b6"8DqL63L734!/.2#E&/
I!0#16/`]$?J 7^eD
 Q^!1B1207^#=34Ba!Y/OX6
O&!=?0D34#0.R.:
KẾT LUẬN
La!"MM4E4/D74O6DE!82#=<
06!=&1B^2#f{7USa67D234@4U
4{M!0#E2#7#E#5#=QSJS$^D;S I
!/.S6"/.!/.34#5]$?J&0IS
e]$?J>D!8M]$?J6!=4O&<2!
g4U?"2]$?J6!=4O&48$O2!1U
M8?$8I?['!24P#1?J6/E?2]$?JO&
UU2&'4 Q^!!D!6D 4Q!!D!"YT
&J4UG2>D34#5!P8$6Y06#4H#
Q7^P$Ih]VSgV?B4234iXj
k!4!l2^PEV&?6[#&fV2>
Q .29 ?&"Vb7^P4
!8#$&BIBIDEZX67
2!Q!M&Bf7SSE2EZX#U#EE
€4O#=B&ZX>ZX]^>U!V7
„„&Sm?[„„
~3I/.D34
~jjj&X6
~F!M4O
DANH SÁCH NHÓM LỚP 52DN1
HỌ VÀ TÊN MSSV
 LÊ THỊ DIỄM 52130563
 NGUYỄN THỊ DANH 52130562

+ ĐỖ NGỌC HOÀNG 52130574
A LÊ THỊ KIM BÍNH. 52130559

×