Phân tích tình hình hoạt động tín dụng tại Chi nhánh Ngân hàng Đông Á An Giang

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>D<DSDf02Ag,-e(?4((.,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;
>D<D;D0P)e05,4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;

>D<D8D?47(AT,-2(R44(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;
>D<DhD(R4,i,-1.1L02Kj4cL2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8
>D<DhD<D(R4,i,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8
>D<DhD>D9L02KjDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h
>D<D=DkZ@OZV2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h
>D<D=D<D(?0,05VDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h
>D<D=D>D?4(l,(2(R4YZ@OZV2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h
>D<DmD)*2Kl,(2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD =
>D<DmD<D(?0,05VDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD =
>D<DmD>D?4YA644TYZ,2K@,-n)*2Kl,(DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD =
>D<DoDc0K@2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD m
>D>Dd2If4(p20+)O?,(-0?(@U2Od,-2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D<(?0,05VDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D<D<D@L,(If4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D<D>D@L,(If2(),gDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D<DSDA,gDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D<D;Dgn)?(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D>Dd2If4(p20+)O?,(-0?(@U2Od,-2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D>D<D9f,()*Od,-qr,-,-)s,1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D>D>DA,gqr,-,-)s,1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD o
>D>D>DSDA,gqr,-1f,()*Od,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <:
>D>D>D;Dgn)?(U,qA,gDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <:
>D>D>D8D5If2(),gDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <:
CH NG 3: T NG QUAN V NHTMCP ÔNG Á –ƯƠ Ổ Ề Đ
CNAG................................................................ 11
SD<D%t4(Iu(l,(2(.,(1.7(?22K0v,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <<
SD<D<D0602(05)1P-\,(.,-w,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <<
SD<D>D0602(05)1P4(0,(?,(-\,.,-w,-,0L,-DDDDDDDDDDDDDD <<
SD<DSD9L02Kj4cLxOf0160I37(?22K0v,4cL2p,(DDDDDDDD <S
SD>DT4X)2s4(R4yl,((l,(,(\,I3DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <S

SD>D<DT4X)2r4(R4DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <S
SD>D>D(R4,i,-,(05V1Q4Q2(v4cL4?47(j,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <8
SD>D>D<DkL,0?Vf4DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <8
SD>D>D>D(j,-(?4(.,-?(\,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <8
SD>D>DSD(j,-(?4(.,-@L,(-(057DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <8
SD>D>D;D(j,--\,)zDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <h
SD>D>D8D(j,-{@?,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <h
SD>D>DhD(j,-.,((?,(y(\,/3DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <h
SD>D>D=D(j,-w,--(5(w,-0,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <h
SD>D>DmD(j,--0L@Bt4(2K342()d44(0,(?,(DDDDDDDDDDDDDDDDDDDDDDDDDDD <h
SDSD/T]Ag42l,((l,(2(t2KA|,-4cL]},(134y2U0DDDDDDDDDDDDDDDDDDDDDD <=
SD;Dl,((l,((@U2Od,-e0,(B@L,(4cLx2K@,-S,iVn)LDDDDDDDD <=
SD8D?,(-0?2()~,]g0•e(€e(i,1.7(AT,-(A6,-,iV>::mDDDDDDDDDDDDDDD <o
SD8D<D()~,]g0DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <o
SD8D>D(€e(i,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >:
SD8DSD(AT,-(A6,-7(?22K0v,,iV>::mDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >:
CH NG 4: PHÂN TÍCH H TÍN D NG T I ƯƠ Đ Ụ Ạ
NH A_AGĐ .......................................................... 22
;D<D(\,2[4(4(),-1P2l,((l,(()*Od,-1f,2U0xDDDDDDDDDDDDDDDDDDDDDD >>
;D<D<Dl,((l,(,-)s,1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >>
;D<D>Dl,((l,(()*Od,-1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >S
;D>D([,(I?4(2[,BQ,-2U0xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >h
;D>D<Dd2Ifk1Pn)*4({4(@1L*Of01602U0xD  >h
;D>D<D<Df02Ag,-1L*1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >h
;D>D<D>D0P)e05,4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >h
;D>D<DSDQ4O[4(4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >=
;D>D<D;D(|0(U,4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >=
;D>D<D8D%•0I)X24(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >=
;D>D<DhD(AT,-2(R44(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >=
;D>D<D=DU,VR44(@1L*2f0OLDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >m

;D>D>D)*2Kl,(2[,BQ,-2U0-\,.,-w,-yDDDDDDDDDDDDDDDDDD >m
;D>D>D<D/TOsn)*2Kl,(2[,BQ,-2U0xDDDDDDDDDDDDDDDDDDDDD >m
;D>D>D>Dw2Z1.-0Z02([4(2‚,-YA642(34(05,2(a@ITOsDDDD S:
;DSD(\,2[4((@U2Od,-2[,BQ,-2U0xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD S8
;DSD<@L,(If4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD S8
;DSD<D<D@L,(If4(@1L*2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD S8
;DSD<D>D@L,(If4(@1L*2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDD S=
;DSD>D@L,(If2(),gDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;:
;DSD>D<D@L,(If2(),g2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;:
;DSD>D>D@L,(If2(),g2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDD ;>
;DSDSDA,g4(@1L*DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;8
;DSDSD<DA,g2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;8
;DSDSD>DA,g2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;=
;DSD;Dl,((l,(,gn)?(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;o
;DSD;D<Dgn)?(U,2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8:
;DSD;D>Dgn)?(U,2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8<
;D;Dd2If4(p20+)O?,(-0?(05)n)Z(@U2Od,-2[,BQ,-4cLxDDD 8S
;D8D?,(-0?,(W,-A)O0vV1.2s,2U02K@,-(@U2Od,-2[,BQ,-1.4w,-2?4
()*Od,-1f,2U0xDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD„ 88
;DhDd2IfY05,7(?7,\,-4L@4(X2]Ag,-2[,BQ,-1.4w,-2?49DDDDDDD 8h
;DhD<D9P(@U2Od,-()*Od,-1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8h
;DhD>D9P(@U2Od,-2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8=
;DhD<D<DF\*B3,-4([,(I?4(4(@1L*4€(05)n)ZDDDDDDDDDDDDDDDDDDDD 8=
;DhD<D>D\,-4L@4(X2]Ag,-2(…VOt,(2[,BQ,-DDDDDDDDDDDDDDDDDDDDD 8=
;DhD<DSD@.,2(05,n)*2Kl,(2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8m
;D=D<D;Di,-4A|,-e0vVI@?2,g1.(U,4({,gn)?(U,DDDDDDDD 8m
;DhDSD?4Y05,7(?7e(?4DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8o
;DhDSD<D.@2U@Od0,-†,(\,10+,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8o
;DhDSD>D()(‡21.2lVe0{Ve(?4((.,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8o
CH NG 5: K T LU N – KI N NGHƯƠ Ế Ậ Ế Ị..................... 60

8D<D{2])~,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h:
8D>D0{,,-(tDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD h<
kˆk
::::::::::::
k KL,-

kZ,-SD<D{2n)Z(@U2Od,-e0,(B@L,(DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD <m
kZ,-;D<DT4X),-)s,1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >>
kZ,-;D>Dl,((l,(()*Od,-1f,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >S
kZ,-;DSD@L,(If4(@1L*2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD S8
kZ,-;D;D@L,(If4(@1L*2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD Sm
kZ,-;D8D@L,(If2(),g2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;<
kZ,-;DhD@L,(If2(),g2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;S
kZ,-;D=DA,g2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;8
kZ,-;DmDA,g2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD ;=
kZ,-;DoD@L,(If,gn)?(U,2(a@2(|0(U,DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8:
kZ,-;D<:Dgn)?(U,2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8>
kZ,-;D<<D?44(p20+)O?,(-0?(@U2Od,-2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8;
kˆ‰•/Š‰
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k0v)Os;DoDgn)?(U,2(a@2(.,(7(ƒ,e0,(2{DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD 8>

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/TOs;D<D)*2Kl,(2[,BQ,-DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD >o
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Phân tích tình hình H tín d ng t i NHTMCP ông Á-CNAG GVHD: Th.S. Nguy n Đ ụ ạ Đ ễ
Xuân Vinh

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<!"!"$%9W  .12 <O<EV )C W6
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SVTH: Châu Th Hoàng Oanhị
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