Thực trạng và giải pháp mở rộng tín dụng tiêu dùng tại Ngân hàng TMCP Đông Nam Á – Chi nhánh Ba Đình

LỜI CAM ĐOAN

 !"#$%&'
$!( )$*&
+
,-./0(
12345,,67,18,619:;,.<=,6145>
MỤC LỤC
?@4,A4.B9C
1DE,64?F?9G,EHI,3<J,/K,638J,/K,6 4;9
/L,6M
NN,6145>3KEHI,OP,67,18,61DE,6QR4M
NNN.)S,T0(UM
NNV& W,T0(UM
NV3X,.<EHI,3<J,/K,64;9/L,6Y
NVNZ U"[W,TY
NVVZ\ "[W[]N^
1DE,6441_`R,6J,/K,64;9/L,6R4,67,18,6
1DE,6QR4a>1B,.b,6,PQcd14,1c,1HP.e,1Nf
VNZ1c4g9c3<,67,18,61DE,6QR4a>1B,.b,6
,PQcd14,1c,1HP.e,1Nf
VNN  Z  \    ,T    0(  U  h  &i  .  ,  c  d
jkPHlNf
VNVZ\ H.VN
VNC(%hH.VN
VNmUnl[VC
VV1_`R,6J,/K,64;9/L,6R4,67,18,6Q>
.b,6,PQco,HP.e,1VY
VVNg"[W[]UVf
VVV+&p"[WU,TVf
VVCqn"[W[]UCV

VC.c,164c19,6Cr
VCNl!\+sU0tCr
VCVU!ilu&WCY
1DE,6444,1v,664I4>1c>38Z4w,,61x,1yQQz`{,6J,
/K,64;9/L,6R4,67,18,61DE,6QR4a>1B,.b,6
,PQcd14,1c,1HP.e,1mN
CN.x,11D|,6>1c`4},J,/K,64;9/L,6R414
,1c,1HP.e,1`~,61@464P,|4mN
CV,1v,664I4>1c>,1yQQz`{,6J,/K,64;9/L,6R4
14,1c,1HP.e,1mV
CC,1v,6.<•9X#Z4w,,61xm€
CCNZ!) •"&m€
,-./0(d?•&,1Po.VC 
V
12345,,67,18,619:;,.<=,6145>
CCVZ!) •,T,0•mr
CCCZ!) •,T0(Uh&i.,cmY
Zw?9G,mf
LỜI NÓI ĐẦU
Tính cấp thiết của đề tài
1#l!%0•&‚Uƒ#k„…
0…†0tT#%0tn
0t+,i[]0…[T[i( „0•‡
[W„„)•ll+ˆ+qUl
.T"(n• &‚[) W []q
TiT#[$+)‰ *0t"
[WT[-[(ƒˆi[]#
,-./0(d?•&,1Po.VC 
C
12345,,67,18,619:;,.<=,6145>

%‰"[W[]nŠ‚ˆh+
&pn)
HU„#] •\q‡ n*&#n!U
ŠT •†0 •h"q
\!c&$Us‹%t*S $
Un0•TT+Œ.‚•U &‚#T
n&+Š0••#Š+&p•&W W
(l#&‚ []nŠ
0•\+"[W[]„)‡&‚T…q0•
7#QŽ $&• l!n&i["[W[]
kU!0)‡†l!$l•&‚ 
[]U0•T3,n)0…n• •YM[T
0[0t"[W[]U!‹%"•0!r‘h[0t
l!’#[0t"[W[]"i0…“\”•
•*&\Ti0…T0(U†0h
" 0•†uiT*& )0…
ˆ
'Š!!#] •Šl!s•#ks•
“Thực trạng và giải pháp mở rộng tín dụng tiêu dùng tại Ngân hàng TMCP
Đông Nam Á – Chi nhánh Ba Đình” &
Mục đích nghiên cứu
%0t"%&! Šl0t
Œ'–* $-#W"—"%!
 &‚ []#$U []U
,TQ>.,cdH.‚'„0Š
+&&˜Š 0•u&‚ []
Đối tượng và phạm vi nghiên cứu
.0t"Un []
,1Q &U Un 
,-./0(d?•&,1Po.VC 

m
12345,,67,18,619:;,.<=,6145>
[]U,TQ>.,cdH.Cˆ
V^^r#V^^Y V\–iˆV^^f
Phương pháp nghiên cứu
s&[WŠ&0(&&l•l!t&
•0[‰\h\‚'„&T" *
+ %
Kết cấu chuyên đề
™0(4š?–*(+ "[W[W "[W[]
™0(44š$U"[W[]U,TQ>.,
cdH.
™0(444š6+&& l!)qn"[W[]U,T
Q>.,cdH.
CHƯƠNG I. LÝ LUẬN CƠ BẢN VỀ TÍN DỤNG VÀ TÍN DỤNG
TIÊU DÙNG
1.1 NGHIỆP VỤ CƠ BẢN CỦA NGÂN HÀNG THƯƠNG MẠI.
1.1.1 Định nghĩa Ngân hàng thương mại.
,T0(Uhl[Un!
0…*ql •+ ‡
[W„‚ #$& W!l% &0(

1.1.2 Các nghiệp vụ của Ngân hàng thương mại.
 Nghiệp vụ tạo vốn
,-./0(d?•&,1Po.VC 
M
12345,,67,18,619:;,.<=,6145>
?& W• Un,1#‰
• +hl!T0(U• 
,1•š

3$„ \ŽTš? Tl•
*&# &+•( ‚[0•\)gŽ
T\Ž0t"*&'ti“T,
\Ž0t*&'t*T“„Š\Žl0š\Ž
l%+)#\Žl%ŠŠ•#›,• $„
T!œ•l•h• T#
0„„ “\• „(q‚!l[#!
Œ• l
‡lšh• Un# ‡
• !T#„!œ••%h
• ,1Q
,•  š
+ 3 ‰&l&!#&!#œ‡›
+ 3 ,1,,
+ 3,1Q h"[Wl
+ 3T0•
,• !&*šTŠ• ,1Q0th
 0•#T0•  [U
nl!UT[$(+#0( [$„W)
0•0•+%l[
• lš• &\Un
TšU"#[) W#›
 Nghiệp vụ sử dụng vốn
?& W‡[W• sTn
++hl!+,1Q#•& Wš
,-./0(d?•&,1Po.VC 
€
12345,,67,18,619:;,.<=,6145>
!*&[$Šš[$Š‰[l+ˆ0…
l +TT& W#T&+[

l+š
+ •U\Ž
+ ‡UT0•
+ ‡TUh"[W ,1Ql
+ i0 l„
,& W"[Wš& WT0(U‡[W&i
•• Un0•,& W"[W•š
+ !l%0(&! '„l
+ ,& W"[W!%&
+ ,& W"[W0• l+
+ ,& W"[W "[Wi0
,& W"[W[]šT ‚
[]
,& Wi0šT$l[l!s0[
&ši0l#] [
 Nghiệp vụ trung gian
.T& W,1Q$k$l0t
0q•0š
d ‚
d nšT•T‚l+l&!
!U#l#„›
d Oš& WT$k$l‚
\+"n+#‚›
d Qnšk$#T&h&!#
&!#0•#•U#\–#›l

,-./0(d?•&,1Po.VC 
r
12345,,67,18,619:;,.<=,6145>
d Z[ #U#\–‚l!…

d ?0 % #"š%&#0•[ž"
"#0(U#*&[$i0"[W#i0
1.2 VẤN ĐỀ CƠ BẢN VỀ TÍN DỤNG TIÊU DÙNG.
1.2.1 Khái niệm và các loại hình tín dụng Ngân hàng.
NVNN.)S"[W,T
]knlŒ„‚)n
[*Š/'"[W%&'!?k[#
„Sn$0q"ž#„‚„%“
$!n#*Š"[W0t‚kš
••n‚[)\Ž '‚•[0!l
‚!W!l"[W0t&0(&&‚[)
\Ž'0… 0… 
••\"W‚#"[Wn[) +
(q„+Š‚
"[W“„Sn )!"
%&l
Q•[]„\l0*Š$
n[!š
%š,0…˜Š+Ÿ••’‚
0…l‡[Wnl+…%)
š,0…‡[W+&+l!+ l+
„Œ…U  •n)•(#&i•(„0t
•ts
kQ#"[W$‚0tU…n0t)'0…
qŠ0…‡[W#n…%)ƒ• n0t
)•()ik\‚#&U]"[W•„
,-./0(d?•&,1Po.VC 
Y
12345,,67,18,619:;,.<=,6145>
n[!š"‚0tn0t)#"…U 

"+
,0 *"[W\l!†0…  0… 
\$ *n)# "[W0t‚[0•
•„‚\ *n„\(•š
1.1 Sơ đồ vận động giữa người đi vay và cho vay

NVNV>TU"[WT
l!)0(#• ,1Qn
0…%[U#„0…• Ÿh•
T3 T…n†l3&TU 
u&!&l+ k'„[$n%)
.‚!*&\ "t& T
\+\+)ˆ‚&TU•š
ˆ W"‡[W š %n+  
& 0(U  &  )!"
 T  * "
ˆ …U •š uU  U
 [U
ˆ n" •l•š „+
+  l„++
ˆ &0(+š „…U  l
„…UW‚
,-./0(d?•&,1Po.VC 
Cho vay
Hoàn trả
Người cho vay
(Người sở hữu)
Người đi vay
(Người sử dụng)
f

12345,,67,18,619:;,.<=,6145>
ˆ %"[Wš[$ ˆ#"[
U"[W$!& "[W!&
ˆ0t"[Wš••š"[W 0n "[W
)
"[W[]n€"[W!ˆ W
"‡[W .T‚‚! S $"[W[]
t"„l!ƒŒ&T„+&&‚
l\+„U#„„& $&‚
"[W†0%+S $Unl[T
1.2.2 Khái quát về tín dụng tiêu dùng.
NVVN.)S"[W[]
"[W[]n\„T‚l
•Tn’\‡[Wn0t)•’n
l+…%)# •Š+*sl–l!• 
%&#…%&#s%&++’‰Œ&l„‚‡
[WŠ [) W0•l•„l+ˆ+#Ul
•„‚0qnn(
NVVV.•‚"[W[]
d g'„ ”#[ž!&"h3ƒ„s
% []0…(U"[WlS
$0(U &
d ,i "[W&Wn l¡l!
d ,i "[W0…[Ti0"s •s%
0…#0… \T•&+(s%
•&+)
d Q*& n• %!„\%*!•
i []l
d %0t"l l
,-./0(d?•&,1Po.VC 

N^
12345,,67,18,619:;,.<=,6145>
d ,•+t!0… „‚!n•#&Wn 
\ #lŽˆ#l • 
d 0Ul%\• „\!)!
+tlU%l„)
NVVC?t""[W[]
 Đối với ngân hàng.
,#T0(U&+U!l
n!)&i#lœU •T0(
U]“&+U+ •h"[W&T
)0…"[WT)0…U„\
l+"[W”0\+)0… ]( 
[U3 T#,1Q\T(! 
&‚)0…"[W[]
HU„#$!% •"[W[]0…%
”  T • [&0…(+(
l„#•T\Un"[W
[]†!l‚[s%"[W[]%&[ž#•s
%$+%.l!Un"[W[]!
n‹•”(%t*T/ *# qn
Un"[W[]T nnl0•
l[„‚ • T
1(Š# &‚Tˆht&0•U
nT3$ &‚Un"
[W[] 'qn0t\ •l# 'Œ&
T*[W0t• nn„\+#
'[U0t+&p#[) WT/„#„&&i
ˆt* &TT'„T„‚
ˆ0tU)0…‚„‚•U &‚ Š

,-./0(d?•&,1Po.VC 
NN
12345,,67,18,619:;,.<=,6145>
 Đối với người tiêu dùng.
. •Š0…[]„*&%&•#\
& W"[W[]ƒŒ&•„0tl+ˆuŠ
[) Wi!ssi[]• …
•0tT
0…„%i!! „–Sn#
iˆ+ 0t %0t] •ˆ
l! l•lŽ*+i&+„…
•"†0t„ll+ˆ"U•
l&•&•”si„/„# •"[W[]
0…[]ƒ&t&0tŠ ssi#!…
#l+ˆU 0(
" T# qn"[W[]T
ƒk!0…[]Št"!(
 Đối với nền kinh tế.
,! []0t[]‚ti 
#[) W0•„„[W% l"i#U
l Œpˆ0ql!
. •+%l[#$&‚"[W[]•S
• ˆ0qi#0…[Tˆ#'„U
$n)0…[]U•l
$+%0•#ˆ$+%\ƒ$t+#•
…UŒ •i00•†\„#0•U0t
Wl!sn+\! #ˆ*&0…n#
+Usn#+\! %&Œtsn
,„#"[W[]• ••„t"%• 
ssi[T0 "[W#Ut* $) 0tT

†0l!/ *#Œp$&‚"[W[]
i!#•!n*&[3,
,-./0(d?•&,1Po.VC 
NV
12345,,67,18,619:;,.<=,6145>
NVVm>TU"[W[]
„&T []Ul#¡k
Œ$• []0t&T
 Căn cứ vào mục đích vay.
d Cho vay tiêu dùng cư trú.
?l+"[W0t%&‰ti#T[$#+U
l•Tn’.•‚Š„ 
\0…•#…[
d Cho vay tiêu dùng phi cư trú.
.TŠl+ &W Wi+…0
u&0(#•[]#[)#•#!•+".•‚
Šl+"[W0…„\”#…tu
 Căn cứ vào phương thức hoàn trả.
d Cho vay tiêu dùng trả góp.
kt#0… +tT••+
 s’ki#kŠl¡U%)[T\)
•#\–’1&[Wl+ „)•• •
Šl*&)l¡•l‚!n
it . •U TiŒ–!Š %
(+š
• Loại tài sản được tài trợš
• Số tiền phải trả trướcš
• Điều khoản thanh toán.
• Chi phí tài trợ
• Vấn đề phần bổ lãi vay theo thời gian.

• Vấn đề trả nợ trước hạn.
d Cho vay tiêu dùng trả một lần.
,-./0(d?•&,1Po.VC 
NC
12345,,67,18,619:;,.<=,6145>
.Ttk„ lƒ0t
nilt&•"[W!U.•‚l+"[W
0…„\”#…U u,T&[W
qT&&ƒŒ&Tl%…0
l&+!tl¡$!#l+ []
%&k%"
 Căn cứ vào phương thức cho vay giữa ngân hàng và khách hàng vay
vốn.
d Cho vay tiêu dùng trực tiếp.
.T„T$!&!&Œ •l
# t†0t!$!&q"T
 []$!&0t$k(•š
1.2 Sơ đồ tín dụng tiêu dùng trực tiếp.
,-./0(d?•&,1Po.VC 
CÔNG TY
BÁN LẺ
NGƯỜI TIÊU DÙNG
NGÂN HÀNG
•C’
•N’ •M’ •V’ •m’
Nm
12345,,67,18,619:;,.<=,6145>
d Cho vay tiêu dùng gián tiếp.
.T „Tl+t&
[Š¢s)„[) W0…[]

 []!&0t$k(•š
1.3 Sơ đồ tín dụng tiêu dùng gián tiếp.
,-./0(d?•&,1Po.VC 
•N’ ,T 0…[]l–l!t&• 
•V’ ,0…[]+0•n&i+¢
•C’ ,T+“!¢
•m’ ¢+0…[]
•M’ ,0…[] T
CÔNG TY
BÁN LẺ
NGƯỜI TIÊU DÙNG
NGÂN HÀNG
•N’
•m’
•M’
•€’ •V’ •C’
NM
12345,,67,18,619:;,.<=,6145>
NVVMT+0q!"[W[]
 Tn T
g "T„+0q•0t []
,T„0t $„%&#„U0•‚
*[) •ll9"T
%&†ƒ+0q•0tl![) •T
:!„&&i”• []"#
\)T.„"ˆ„l0• l
 „l#„\) s% &""[W
%&#„U &]t& •*&„0…[T
l#\) …U"[W l¡Ut#+++#&0(
+T W  „&U&(+#…

p)•(  l•[T#!…p)\[
lƒl…t •Tl
n#nn"[WT†"\!)
 []n"[Wi„n
•p)"l [$ #'„0\!
)Œun"[W†i„U&#*T •
 #Œ&˜#+lWi!
QUn []0tl!•T
i„"lk&]t&,Tiˆ0…U
n\+#…(#\++U
,-./0(d?•&,1Po.VC 
•N’ ,T ¢l–l!t&•tt&•#
T0…0l 0tl0t
)#) U+)›
•V’ ¢ 0…[]l–l!t&•)„
0…#0…[]&++0•N&i)+&p
•C’ ¢+0…[]
•m’ ¢n')„T
•M’ ,T¢
•€’ ,0…[]+„&T
N€
12345,,67,18,619:;,.<=,6145>
n\+#…(#\++,T
„†0t"#"  []„
T l+ˆ\+–„n•Un 
[],!T„Uƒ[%• +\!
W0t„#"#+•W0…l
  \+–•(l†0t*(HU %
 #Ti„\)#n\ 0q&U
#\+–‚Un$ nT T

#n!& T 
%+T „ŠTn nUT
„n• [],ŠT„“&+l‚•
Tl\T†+0q• []#
„Ul†0Un [],!
0l0…„U#–+t# 
[]%&ƒl""T!qnUn 
[]#\) †ƒl\lulk,0tU!l
l+t#t\U\%!ƒlsUn
 []
QnT&‚Un []i"•
%+T S  l‚
 ,TT
QnT S„+0q!Un []0
0…l!sn#"l!0•#$U
ŠT#0…&&)‡#! ˆ„
0•!i&+l‚••‚)0…(,TUn,!
„)•(*&[T0#„*&l#n
• %i []ƒˆ( • ]#
¢(Š0…[Tœ\ˆ!•n
0…#*"“l!•UnT
,-./0(d?•&,1Po.VC 
Nr
12345,,67,18,619:;,.<=,6145>
Z‚!„\k#&W*&\#T–„+0q•i
[],0…[T3,0…„„\k!l•l"
†•u#[]#•lS•  #ti‚
un •T–U!&Œ •T#tW"
0…" !i 0…[T“%&
Q0…l!")„+0q• [],!

l!&‚#*&\Ti0… 0…")
h)Un []†ƒ[-#&‚
Šu U!Šu„‚+,!0…„$U
lŠT‚*l 
[]T†ƒ•&l„lˆ
\)&&–T,0• "&„‚l!
l" †„‚U! „  []„
.„\)0\),T0•l!T
0(U nk‹ $„#\)‹
 •nl $„›
,-./0(d?•&,1Po.VC 
NY
12345,,67,18,619:;,.<=,6145>
CHƯƠNG II. THỰC TRẠNG TÍN DỤNG TIÊU DÙNG TẠI
NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN ĐÔNG NAM Á –
CHI NHÁNH BA ĐÌNH
2.1 KHÁI QUÁT VỀ NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN ĐÔNG
NAM Á – CHI NHÁNH BA ĐÌNH.
2.1.1 Khái quát về Ngân hàng thương mại cổ phần Đông Nam Á – SeABank.
,T.,c[)\!jkPHl
•jkPHl’0t*&'ˆNffm#1nq"•UN€?1U#
H.#1,n
?nŠ,TQ>„••%U3,#
jkPHls+\U&‚# sU0tŠ
!l+\
,-./0(d?•&,1Po.VC 
Nf
12345,,67,18,619:;,.<=,6145>
.•ŠˆiT#jkPHl W„$ˆ0q 
 \Un£

¤

¤

¥
CN¦NV¦^Y# jkPHl
(m^€Y‹•#‰NC€‘ •ˆV^^rh+T
iVVrVf‹•#hnN€rV€‹• iMN^^^lU
lu&œ+0•#ˆV^‘ •ˆV^^rh[0t)
0…NjkPHlˆV^^YirMY€‹•/&"[)
WUCr#CmC‹•#ˆVm€‘ •ˆV^^r?t*0•!
jkPHlmMr‹ •#ˆNV‘ •t*0•!ˆV^^r1!
ˆV^^YjkPHl
§

¤
T
¥
r^
¨
[
©

©

¤
l 0
©
l
¤


©


¨

¨
0(
¤
#„ˆV^^YTsqVf‚[)
U)•†0)&0(s„‚[)
jkPHl0š1,n#1•"Q#i(.•#ˆV^^YU
n\!Ts[0tŠl!\+%l+\
•[&"[) W\!UiN€‹•#‰VCV‘
•ˆV^^r
'ŠˆV^^YjkPHls"&¢tn)jVmª
s0tŠl!\+%"!NV¦V^^YjkPHls
&0tNMCMf¢lU%+Š)&0(„
‚[)T ‚lu&•(C^PQjkPHl
\…•jkPHlƒ!&W‚…
+&p¢•[W(#„‚l‚!0š¢"[W\!
[0t[T#%&\+–#¢+0•[
•¢›.•…jkPHlƒˆ[) W"l
¢jVmª0š[)$!#[) W%#!l•…"
†‚0q&[WŸi„(„
[) W›‚!l+&p¢ˆ# 
"%
jkPHl †W0+&p•0š.•1]
1[ ,•ˆ0t jkPHl []][T
,-./0(d?•&,1Po.VC 

V^
12345,,67,18,619:;,.<=,6145>
0(0s•š/&  P>Œ0 H
›‚l[) WTU0jQjHl#
«Hl 4kkHl3‚l+&p[) WT
Usl¬)ŠU"n&
l!+&p[) W‰kUŠ"
l
2.1.2 Khái quát về Chi nhánh Ba Đình.
 jkPHlH.0t*&'^Y¦NV¦V^^M •T
>“[)VMgQW"iH.l
•0t0 Un‰&W Wil[T0
Ul $†0‚0(l[Ut%?H
.••T'NV¦V^^€s‚ Nm63ˆ
Q
Hin†T œ•^m0…š^N0q
&“[)#^Vkk ^N\ŽgMˆT[$ &‚#
H.s„n†nT •V€0… •^m
&“ ^N&“[)$n%+„n'U•
q
H.[0•$sU6.# n
† ¢ˆn# sT[$ ˆ
l[#ŒpUnl[
&‚#qnU0•[)&il

2.1.3 Cơ cấu tổ chức của Chi nhánh Ba Đình.
VNCNj(•nh
1#nhH.0th0š
2.1 Sơ đồ cơ cấu tổ chức của Chi nhánh Ba Đình.
,-./0(d?•&,1Po.VC 

VN
12345,,67,18,619:;,.<=,6145>
VNCVˆ  Wn&*
 H
60…$!&sU •Un
kŒ\)0•#T0•#T
Q>.,c#•…&+)0•&&*#n
•\+) \!)
 >“l[
>“l[„ W
d , Wl[
+ •T[$!0tl#&TUl %"
0s •'l‰qn T\+
Unl[
+ >T"l!#&[W&&  U\+

+ p) % [$"[W
+ !&* $0([$„•  
0•
+ 0…&TU[0t#&T"tuU
d , Wl!Uht&š
+ ,l!)#% T[$!0tn
#i0"[Wu# [U•T[$qnU
,-./0(d?•&,1Po.VC 
BAN GIÁM ĐỐC
>1-,6Zw~c,
38,67,g9®
>1-,618,1
1J,1,17,j_
>1-,6Z4,1

/~P,1
>1-,66/g9c,
1c,1
VV
12345,,67,18,619:;,.<=,6145>
0•l[k)0•TQ>.
,c
+ ht&&T"Unl[\–#ˆ
+ •T[$#k[— \!œl!Ul[
d >“l! T\Ž
>“l!„ W
d $Ul!#Ul k\)
,1,,#,1.,c
d •T[$œl!U"#\!l!U"#
\Ž0(TQ>.,c&
[
d g+– ‡[W\Ž[]k\)TQ>.
,c
d ht&0Š•( U#l! k\
)
d $l+n&,j,,
d $& W0•
d %&!nl %&k\)
2.1.4 Tình hình hoạt động kinh doanh của Chi nhánh.
VNmN1Unn 
,• l(q‚nT„‚$
W+%dl[Qn• nh)
l\!)!)0•l[T#„\!) 
\T#%0tUn"[W#l+ˆ+
T#" l+ˆU›

jkPHlH.nŠ„l+ˆn 
,1Q>.,cdjkPHl/]…Un0T
0s‚0t “!\• 
,-./0(d?•&,1Po.VC 
VC
12345,,67,18,619:;,.<=,6145>
$ˆ0šn uU#U [U‰
•3,U[0•!š
d ,*‡!lll¡U#„l¡U•T h
„)Un
d 1n&!'l
d .‚ Š+ 
,h• n0tjkPHlH.
WˆŠˆiT •n.0t‚
+[0•T
2.2 Cơ cấu huy động vốn của Chi nhánh qua các năm.
Đơn vị: tỷ đồng
2007 2008
2009
Q I&II 2009 KH 2009
Số
tiền
Tỷ
trọng
%
Số
tiền
Tỷ
trọng
%

Số
tiền
Tỷ
trọng
%
Số
tiền
Tỷ
trọng
%
Tổng nguồn vốn 136,7 172,3 146,5 300
Vốn không KH 7,4 5,41% 14,3 8,3% 16,1 11% 50 16,67%
Vốn có KH dưới
12 tháng
81,96 60% 92,1 53,45% 68,7
54,4
%
180 60%
Vốn có KH trên
12 tháng
47,3
4
34,59% 65,9 38,25% 61,7
34,6
%
120 23,33%
(Nguồn: Báo cáo kết quả kinh doanh các năm)
d ,• ll¡U
'+%# ll¡Uˆ\
ˆ3ll¡UqT‡#‡!l

,-./0(d?•&,1Po.VC 
Vm
12345,,67,18,619:;,.<=,6145>
h#T#[&ˆV^^r#‡ZZ1r#m‹
•!ˆV^^Y0t‡ZZ1sˆ!(Nm#C‹
•0(0( •ˆ%0tfC#C‘j!ˆV^^f#œ
 “€iˆ0t‡s•(+ˆV^^Y
N#rm‹•
Q•[]!‹•l(%• n
T•M#mN‘ˆV^^r#Y#C‘ˆV^^Y NN‘V\–iˆ
V^^f’ ZZ1n• „&"n¢0"h
)Ul0$ˆ• %! ] •
$&‚l!#•$&‚)0…¢PQ#
[) WTUsh*&\0…
[T,0…[T h‡[W
l[]• Š"„kU3• 
ll¡UˆU\ˆ‚0…[T hl!
0q ‡[W([) Wl[]
•T#'TTT"# )!#+
TT0(U3,#Œ&T„
0tnŸ Šul0• n*&
d ,• „l¡U
%‰(%n „l¡Ui0"!
n\ˆ, +#„‚[-[Œ*•
‰š,• uU[0•NV0…!‹•l+€^‘
(%• #•  [U!l+C^‘
h(%• 
jq[S„(%• 0[ n uUƒ
+‚0t&"n( ••  
[UQ•l#`%[$[$uU[

„Œ&0tl+&"%([ k
 [Ui0uU
,-./0(d?•&,1Po.VC 
VM