KHẢO SÁT THỰC TẾ HOẠT ĐỘNG CHO VAY TẠI VIETINBANK

Chương II:  !
: KHẢO SÁT THỰC TẾ HOẠT ĐỘNG CHO VAY TẠI VIETINBANK_CN3
TP.HCM
2.1 GIỚI THIỆU SƠ LƯỢC VỀ VIETINBANK
Tên tiếng Anh: "#$!  %&"  '&  &!!#("$)  $  *&(
"+,'(-$+($+#
Tên viết tắt:"#"$
Trụ sở chính đặt tại:./0123456 3728 9:2 9
Website:
Điện thoại :1;<=;>?;@/00
Fax: 1;<=;>?;@/0@
2.1.1 LỊCH SỬ HÌNH THÀNH
A. LỊCH SỬ HÌNH THÀNH NGÂN HÀNG TMCP CÔNG THƯƠNG VIỆT
NAM (NHTMCPCTVN)
A93B:CD6E3BF:=G>2H
AI9A9E3BF:23J9IKDL3MNOA9
PNLE3BF:QQ.RS7< 79@T
0U:/?11V W53XHCYG: BG
3J9@ZD9[Y3JCN9“Ngân hàng Công thương
Việt Nam” \PQ.;0@SVVQ W53X9/;
//U:/??0

9@]0U:/??2.. ^_8PQ.T]S87<
 RHF9IKD P 9@/0?U:/??T2
3JV\PHVV3M[V2.. ^_8PQ.
@1RS87< RHF9IKDI :E`CE93M
3J\PQ8PQ.?0S87<90]0U:/??;VV
3M[V
9@R/@U:@0012A9E3BCYGZPC
D65Ea9E9FPbC9LFDCD6
90S0]S@00?2A993M_\PQ./;Sc< 9IKD9

A93B:CD6E3BF:
 !E3BF:[YZYK
U_LI66P.0/0011];L'X976P3D 9
ZD 9  0S0]S@00?  5  \P  B  @0  U:  dA  L 9  D  5b    2
G^D5b:E`A9UM:I3M
3JDAG.5eD5NRTf29D.53M2GW:0/ X
[g0'XcLQg/;RgR@]DhLQg//T\PiF:g/0;@
:5aH=$!>g0RUDhLFg90;EGW:
EPN9[2ECD6YA9E3B
=G'>9EZ96P39[A9E3B
F:9Eb:A9E3BF:; 0BQ
FDGW:5PA:j25PA:EFE2534799
5bPWAI
Chương II:  !
B. LỊCH SỬ HÌNH THÀNH NGÂN HÀNG TMCP CÔNG THƯƠNG VIỆT
NAM_CHI NHÁNH 3 TP.HCM (NHTMCPCTVN_CN3)
73J9IKD5NBXD\P5kXVA 9'9ch
E3B'PD\P2A 9CN9A 993M
8PK= 8>5PA 993M
l@TS0S/?112QQRS 7F. l:ZDPb@
ZDW: 9 PNL94b:m; PNLIM
3J`9I9 E3B2 3B2 EFD9
5bEE2 76P395b PNLDkk
InP9lm 83JCN9 E
3B= >25P  !
l0/S/0S/??02 PNL3JPb9 !DD
IF  5X9 !5HPIn
7bLoL9KD5P.9\PI_2l0/S/0S/?? p
  !b5DQP\PI_V 9Ge6P
L99

KY3J6:\P5OVED5b:I3M5
LA925qU:\P2<^El
:X5:I3Mlrfm/X2^m
N:]c+qQG95Ob:VD ![
90SRS@00?2.L3PW.Pc+V5N@Rs
Wg  P  D[  LQ  k    G`  \PA  /0  5FP  WSSc+
5kXt.;TPo7`bP28gM:I3MLQ
W:mu5kXuPo7`bPgc+.8Pvgc+34
P.gc+)NU'igc+ 953gc+egc+7U)3Pg
c+!1
2.1.2 NHIỆM VỤ CỦA VIETINBANK_CN3
)9 !93M2LU2F6VFD
kVA9\PQ2FDkFmu
• 7w:EP.2KHxF:Ev2mv
2HxVCY2AP:O9D69
3M9g9YfHx25DP2vDP
• 7w:\PF.y:Pa.Ps6P3l 2
CY\P.2\P.9Ay:DYP6PD
5bVH<U<d^a5O6P33MPbLQB
ZP
• FGDw:[Lk9LQkA9bPZD
HP.3J9y:As5OPKDlLQk
• KD5PZI3J[Lk2m[[JDy:Ut
5V5[Lk
• U34UI9[2DLkI^PZP.9I
[FPP6PVQ534
BAN LÃNH ĐẠO(Giám đốc và các Phó giám đốc)đốcggiám Phòng Kiểm Tra –Kiểm soát nội bộđốcggiám
PhòngQuản Lý TínDụngPhòngTTKhoQuỹPhòngTổ Chức Hành ChínhPhòng Khách Hàng Doanh NghiệpPhòng Kế ToánPhòng KháchHàng NhânPhòng Tổng Hợp Phòng Tổ Điện Toán
Huy Động VốnCấp TínDụng
PGD Văn Sỹ PGDCao ThắngPGDCách Mạng T8PGDHai BàTrưngPGDCống QuỳnhPGDVườn Chuối PGDPhan Đăng Lưu

Chương II:  !
2.1.3 CƠ CẤU TỔ CHỨC VIETINBANK_CN3 TP.HCM
SƠ ĐỒ 1:Sơ đồ cơ cấu tổ chức phòng ban của VIETINBANK_CN3 TP.HCM
(Nguồn: Phòng Khách Hàng Cá Nhân VIETINBANK_CN3 TP.HCM)
Chức năng của các phòng ban
 Ban lãnh đạo =;34>25mu
01 Giám Đốc: 5Df2\PNu WB[Lk
<h 9+FD
<h 9A
<CYPbLkI2HPI
<uLPFG
01 Phó Giám Đốc: 5Df2\Pu
<hCY 9[=VDhLQI@>
<h 9A=E P7.>
01 Phó Giám Đốc: 5Df2\Pu
<h=5lNPG>
<\Pi
01 Phó Giám Đốc: 5Df2\Pu
<h 9+FD
<hC JD
<dPZKDwP
Chương II:  !
<FDkj
 Các Phòng Ban
Phòng Tổ Chức Hành chính
<PbI\P2HPlB9B2
HPIG
<)9:I3B992I9:Vkf3P2fF2
PbE34I2[ z 2Gb:22
I34I

<AEEGF2DhLQ2E, L{
\PI_9.Q2EkI
<L{9:E5`dAL2xq:Pe:'72)7
Phòng Kho Quỹ
<P2H79Fs.V \PQ
<8PI_Zfmu|2.DP2}
<PW2CHIj2H52HEVNPPw2PHB
Phòng Quản Lý Rủi Ro
QP5F:H\PI_2dxI_JdZP2J^dxI_5V52J3J[Vdx
I_)96P:.9dxI_9G:H\PQV9
3My:PWJdZP
Phòng Khách Hàng Cá Nhân
<e25P<L99A22NPL~2
LPO2:PdEE
< P.lA9LFDV 
Phòng Khách Hàng Doanh Nghiệp
<ZD[Lke25P•L9LFD2EIM
<!P2GF
<FLQkPbH2PbH
Phòng Kế Toán
V
Phòng Tổng Hợp
<)9:xIN bI9:BXV
<CJD.IFP2PVbGc:
7.V !
Phòng Kiểm Tra Kiểm Soát Nội Bộ
< IKDM2G5Dh3J3XI3B\P
QV E
<b:5[Lk2mPAV\PQ2\PV
 !E

2.1.4 HOẠT ĐỘNG KINH DOANH TẠI VIETINBANK_CN3
I. Hoạt động kinh doanh
 Huy động vốn
• KHxE`9m`Gy79FVC
Y9LA3
• KHxF:MHP`YDDa9ZDL€
F:E`9m`Gy79F2F:L3X2
F:[IPi}
• 9vDP2YfHx
Chương II:  !
• lQ9[53M93M92l 
 Cho vay
• e25P<L9Gy79F
• NPL~2LPO
• 95J2Ps3B5`u79I='!#+*>2F
7Y=+#c2*>9FDQ[LkP
• 95JdPZ2KDwP2ZPGYl9dPZ
 Hoạt động đầu từ
• cmD.INL2IN2:PCD6VLFD2C
Y[Lk2Q9[5993M
• 76P35NQ534.2Q534HF5993M
 Bảo lãnh
I^53M9\P.uGI^L6P2GI^FJD
W2GI^}
 Ngân quỹ
• !PGF='D2*5•5L2'•D2&D>
• !P2GYlm=5DP[DV2[DPG2
3BDP}>
• P2H:t79F
II. Hoạt động dịch vụ

 Tài trợ thương mại
• 93[LkKDwPgEG2dK2
3[LkKDwP
• 4PdPZKDwP=II>24P.DP5=+S>94
PZDK.DP=+S$>
• 2GNI[
 Dịch vụ thanh toán
• PbH53M9\P.=I(:>
• PsF:2PsF:P2
• 5I3BLFD\P92\P$!
• 8PI_.KD5P
• PbH‚5,
• +QkHP.
 Dịch vụ thẻ và ngân hàng điện tử
•   9  9      j  [  Lk    Q2  j  [  Lk  \P.  
="'$2!$'#($(+}>
• +Qkj$!2jJ
• +Q  k  "5  2  ID  2  !GI  2  '!'
}
III. Dịch vụ khác
• Gb:AO2DAO
• 3Z6P39[
• NP|e2xq92
• ,s2KPs2I_
• PN9[E\PEPN9[
• !EM2I3P_23Z2I_2D9}YE
\PE Y
Chương II:  !
• DK2\PI_99dJE\PEJ9
9

2.1.5 KẾT QUẢ HĐKD VIETINBANK_CN3
• BẢNG 1: KẾT QUẢ HOẠT ĐỘNG KINH DOANH
ĐVT: triệu đồng
=PWl9[V"#"$>
Hình 1: KQKD VIETINBANK_CN3 TRONG 3 NĂM QUA
V9[96P^I9:A9M96PI
23A9Q€EG.IJPKZ3J5m2m
D !A 9I9BQ5P2:KƒY
:„awHD5b+K2Ef99:k
NPIJPKUb:GCYCE2:9hIN\P9
F.9IJ[PH
U:@001I9U:6mU2x2m3XIMM
LVA 9H53MU53XK:2sIFI:D
UX:Y@@2?]…L€9IP.3Xg[V9
[etHF6PU:@0012b:t†qIn
m5V52xLkEkI^PZ2s2L5qGeGP}95\P_""9
\P_"""U:@001I^PZBGUINk9I^PZU@@…<@;…
M\P_"b.:D ^MI{L6[HP9
.2L5qGeGP2I^PZBG:ZD\PH:Y6PU: F.A
9QPY|DIM.M.I3J.^P:MtDLP5`H
xLA3MI^dPZ25LPl6P3[Lk:L6\P
QV93MG^DQPDIIMHZH
5G.Q534HxG:9:Y5
YeqA 9 W\P5Q9GHP9^V
5oWG2DLkHPDDD~JDMQ
534~MCI:`V^FEEA.
9HP9.2IPE:GU2sIF:G9.
a\PQ2LP5`LmI^56P3[Lk9
tGF^KLk.:HPW.bPWIJA 92
G^:LP5`CQ9mG3MD5b::†5U:@001kbu

PKDU:@001CQ9U53XMU:@00]74b:
/S/@S@001GEG.PKDUR?…29IJPKU121…
MU:@00]2PN2LqGHI^PZ2L5qGeGP9\P
Chỉ Tiêu Năm 2009 Năm 2008 Năm 2007
So Sánh
2009/2008
So Sánh
2008/2007
Số Tiền % Số Tiền %
Thu Nhập /02R// @]2;] /]/2R/ ]201 /R /0@2/@@ R?
Chi Phí @@02R// @0R2;] /@@2]] /R201 ]2 120?T T1
Lợi Nhuận ?02000 T12000 ;12?]; /@2000 @2 /?20@T 121
Chương II:  !
Q}I9:.UD[=T1…>B.UPKD=R?…>5
:@001
``V9[9PMDk|L9
U:@00?2H3M†DkQPdZPlGN92
@00?I9U:DkmmHPmU.MVLFDm
P9A9m5N2:E534LH:w5V5q[
HI^PZ5U:@001^|U:@00?DGp5:EI3J.IM
b5HxD6P54b:I^PZU25m
I^PZP9IaGZ4^:5XI:.G6P
5NBX\P3J5U:@0012A 9^D.q9\P
m^CI5ZHPb3J\PmU2W4mqG3M
Dm5U:@00?I9PKD9IJPK€LP5`U53XCQ
MU:@001g9U:@00?9.UD[=]…>^:ZDM.
UPKD=/R…>
2.1.6 ĐỊNH HƯỚNG PHÁT TRIỂN VIETINBANK_CN3
TP.HCM TRONG THỜI GIAN TỚI
U:@00123JV3M[DVtyU:

@00?23J 78EKLFPKDbIdPZ
e93JVQ3Mt3X PA3B)"""
Pq\P^3J5U:\P2G3MU:@0/02KD
bD !^H5:.:kNPBGPuDP
Y:CJDV34I2w:D59PIp2
IgDPiPK2LP5`9D5bE
lFd^2DZZPU53XP..P2AZI3JE
[Lk2D5bL3JD~JDM}\PA:999
fNPu P.r//0sWg6P39/R00sWg
PLQk/RsWgIJPK/0sW9EmJ\P
ZZP5\P_"S@0/03JfNP5P‡B2PW.
P@;00sW26P39//10sW
3BA:V I9: «An toàn - Hiệu quả - Hiện đại
- Tăng trưởng bền vững». “ Vì sự thành đạt của mọi người, mọi nhà, mọi
doanh nghiệp”
NHCT VIỆT NAM CAM KẾT
ƒPZDqDw:2LQkA9F2HPF[MZ
I3J^:9„
ƒ7DYNP6P934dPNFPIVF.\PI_Z
I3J„
2.2 THỰC TRẠNG HOẠT ĐỘNG CHO VAY CÁ NHÂN TẠI
VIETINBANK_CN3 TP.HCM
2.2.1 GIỚI THIỆU SẢN PHẨM CHO VAY CÁ NHÂN
• LPO
• :PEE
• :P9L
• .M34IF:I9:X3M9
• LJ
Chương II:  !
• NPL~.MGEAN

• NPL~mG:Gy.L392CjF:
• Y53MHGY
• dPZLbur5J.I3P
• FD3BdPZLDkk4.
/ Cho vay du học
F[V3B5`
• )^PZ.JDI_25g
• VkB2PKFg:YIN]0…CD[
• 3BYIg
• 7DYQD4P6P9[:k[LPOg
• PbH53M953M9m2[d
• 4u.Gy4O0U:
7HPF.
• AmVUIDDIPK9UI9LAg
• m\PFAAGW:uG.j2:ˆj2G.PE2:ˆPE2J2
W2j2PE22Q:5PM34LPO3M9
• mwP345at5NQG9f29D.B
m5kXg
• m.m:.bPGy0…D[LPOg
• mPWP9D3B<5J:GU5J.2
I^2D[54:g
• m9G:H
WB.
• cZ  H  Q    .  N:  D3B    5  J  =  :€P  V
>g
• !+SPh4FPI2 wPtV34
=>g
• cZEGKDO2EGOD[9D[V
534=.>g
• cZ4Y:U9[2PKD5J=.>g

• cZ4Y:\PHXqP9Z4IN\P9
G:=.>
• cZ4Y:\PFAAV34M+POu
cZ2'CwP2cZU_Eg
• Z4=P6>
2. Cho vay mua ô tô
F[V3B5`
• )^PZ.JDI_25g
• r5JH9[M]0…5Qd:MtR0…5Qd^
xLkg
• 4.IMRU:=:Pd:M>t;U:=:Pd^x
Lk>g
• 9G:HmbI9[d:P
7HPF.
• AmVUIDDIPK9UI9LAg
Chương II:  !
• mwP345at5NQG9f29D.B
m5kXg
• P:Pd^\PxLk`E3J\PNxLkhIV
d\PQV[DVg
• mPWPKDCQ.bPR5FPWS2:GU5
J6V2ag
• ::PGb:KZ9G5Qd3ML€V
G
WB.
• cZHQ.=:€PV>g
• !+SPh4FPI2 wPtV34
=G>g
• JDW:PG2mB:PEEYNGNg
• cZ4Y:U9[9PW5J=G.>g

• cZYKGb:VdEE
3. Cho vay mua nhà dự án
F[V3B5`
• !YIN]0…5QU9g
• 4INM@0U:g
• !YI^PZJDI_252CD~JDMQ534g
• 3BY5JI2PWPKDg
• ZDGy[U9:P
7HPF.
• AmVUIDDIPK9UI9LAg
• 'xLk.b:P9PEQ:M2LEQ:Mg
• mwP345at5NQG9f29D.B
m5kXg
• mPWPKDCQ:GU5J6V2ag
• m9G:H
WB.
• cZHQ.N:D3B5J=:€PV>g
!+SPh4FPI2 wPtV34=G>g
• JDW:PGYN9g
• cZ4mIN\P=P3JNP6P>
4. Cho vay đối với người lao động Việt Nam đi làm ở nước ngoài
F[V3B5`
• !YIN]0…CD[g
• 4mbL92~P94FPIVJD
WI9:F3M9^3J_g
• !YI^PZJDI_252CD~JDMQ534g
7HPF.
• A2LF`mVUIDDIPK9UI9
LAg
• mwP345at5NQG9f29D.B

m5kXg
• mPWPKDCQ:GU5J6V2ag
Chương II:  !
• mZ4Y:34xLk.I934I3M
9g
• m\PFAA95~:`M34I
3M9=7LF`Y5>g5N.M534JD
34I5D`DI9AtEm\PF
EA\PQVDIPKF:g
• m.m:9D3B.bP0…CP6P.g
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34
=G>g
• JDWIdPZwP=G25`G..P>g
• cZ4Y:PW5J9PWPKD=G.>g
• cZ4IN\P\PHXqPt\PHxLk9G:=G
[>g
• cZ4mIN\P=P3JNP6P>
5. Cho vay kinh doanh tại chợ
F[V3B5`
• mbL~\PHmD.S:PSPNb:LJ=7+>bG
:J
• !YINR0…5Q\PHmD.S:PSPN7+g
• 4./@g
• 3BY.L2I2D~JDMtb:LJg
• !YI^PZJDI_252CD~JDMQ534
7HPF.
• AmVUIDDIPK9UI9LAg
• mwP345at5NQG9f29D.Bm

5kXg
• mPWPKDCQ:GU5J6V2ag
• mD3BLJ2FP\P9D~JDM\PQV
DDIPKg
• )9345D_JDWmD.S:PSPNb:LJMB
Q\PI_Jg
• !PGb:9I9.3J.tb:LJ=~l
534JDkb>
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34=G>g
• cZYKU_L=GmY>g
• JDWmD.Y53Mb6P3dALJg JDW:PSPN5H
:I64xLkVJG`34t:M
9939xLkgcZ4DHmD.2DH:PSPN=534
JDmG:Gy\PHmD.S:PSPN7+g
• JD  W  G  b: 9  SZ  Y K  G b:    3M L€  V

• cZ4mIN\P=P3JNP6P>
6. Cho vay tiêu dùng đối với cán bộ công nhân viên
Chương II:  !
F[V3B5`
• E69G:tGI^VLFDg
• caD9\PmP6PNPL~ZDGg
• '.HIN005FPWg
• 4.I9Tg
• )^PZ.JDI_25
7HPF.
• AmVUIDDIPK9UI9LAg
• mwP345at5NQG9f29D.B

m5kXg
• )9:F:5B\P2BQ5L:k3J
ZDPKg
• mPWPKDCQl/2R5FPW2:GU5J6V2
ag
• 73JB\P\PI_dKPKD9:HFF5[
HI3B25JZD9PKDV9b5J P
9EFF5J6V2aPK
7+g
• m.m:.bP0…CP6P.g
• EhL3JEmG:GZv+925l534JD
xLkj[Lk\P.EmG:g
• B\P\PI_9m5kX~QG9fS9D.M g
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34
=G>g
• JDWI=G2dPZ5`G[b.P>g8PQ
GCF:YLI^hFPI=.M34mYk>g
• NLQV9K5PKD56
Zg
• cZ4mIN\P=P3JNP6P>
7. Cho vay tiêu dùng có bảo đảm bằng số dư tài khoản, sổ thẻ tiết kiệm
F[V3B5`
• caD9\PmP6PNPL~ZDGg
• :Y3JLPFE2~P9IHx2CSj
2ccg
• 4.I9Tg
• c\P5h@;4I9:Fg
• )^PZ.JDI_25

7HPF.
• AmVUIDDIPK9UI9LAg
• !k[.JDDDg
• '7PXqPJDDDV9.tVGNYG
G:9.g
• 7WHV'7I9+2,'+2#,(g
• 534JD'7LCY\PI_SD9`CY\P
I_SD9DPL:k3JZDPKg'73J
Chương II:  !
CY\PI_SD9d9Dp5P.4G:
 =.Mc2CSj2ccL>td=.M
ccEL>g
• 4E3J\P4hIV'7
WB.
• cZHQ.N:D3B5J=:€PV>g
• !+SPh4FPI2 wPtV34
=G>g
• 'CSj2ccg
• cZHQd2DpN:Ps\PH5aH=CSj2cc
L>9StZHQd2Dhp=ccEL>g
• cZ4mIN\P=P3JNP6P>
8. Cho vay ứng trước tiền bán chứng khoán
F[VDw:
• )^PZ.JDI_25g
• '.HX:Y.2~P9.HGY^3JMD
IFGP5lI^9D[IN\P=Pm>
• VkB2KH59I9:Fg
• 3BYKH25JIg
WB.
• cZHQY53MHGY=:€PV>g

• !+S Ph4FPI2 wPtg
• cZV\PH\PQVDDIPK=Pm>g
• EGMDIFGYg
• cZ4mIN\P=P3JNP6P>

2.2.2 CHÍNH SÁCH VÀ QUY CHẾ CHO VAY CÁ NHÂN
 Lợi ích
• 9†3J\PVk.:PKIJ9
mMaD‰V:ŠANPNFD2F`2P
• G†3Z:oD[GHVkIN\P

• '.H249I^PZI2JDI_2D~JDM
P6PV9F
• A9†r5J.M]0…CP6P.V\P_
 Nguyên tắc vay vốn
- 'xLk.a:k[^pPK5JDW[Lk
= 7+>
- 95J.9I^Ha4^3JpPK5 7+
53MKJ
- FG:HDF\PQV 7W8P5Q
 Điều kiện vay vốn
• m6VUIDDIPK2UI9LA95F:LA
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• mU9[:G5J54:
o Dm.VXqP:9\P5`dPZ2L2
LQk94.
Chương II:  !
o m``9[I9:2dPZLmI^2mPW
PKDb:GU5J
• m:k[xLk.JDDD

• mL2D3B6P32dPZL2LQk
2mFP\PmL6P3gD3BDkk4.‹:D3B
5J
• mwP345at35a34dPN~QG9
m m5kX
• FGFDDG:H\PQV
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HI3B9PKD>
• 9G:mbI9u
o cZ4m2m[=5DP2v
DP2CF:}>
o 7Z299Xum5Q2Z4xLk9X
qP6V\PQVDDIPKg
o 3BFK3uEE2d:29P
PH=mU_2Gb:>
o :I\P_2\P_g
 Thời hạn vay vốn
 99PK4UY9P_dPZ<
LD~JDUV9g4PW.VD3B
SL6P32U5JV99PW.V 
• euI9m4/@
• 5PuI9m4l/@T0
• L9uI9m4l5NT05XIN
 Lãi suất cho vay
I^PZVGEG.5l4v
 Hồ sơ vay vốn
mP6P.29x E29IFPIN
\P6PAu
<cZHQ.=:€P>
<9IFPHUIDDIPK2UI9LA25F:LAV

92GW:u7U_L=.Mq534JDDDIPKm
\PQDU_L>gJDWJD=.MCJD>gYf
9H=PDDIPK\PQDm>gdPZ5`!+2wP345a
7.MA3M9DmP
=9IFP5NDLk.Mq9.I66P t
\P_9mCUIDDIPK2UI9LA25
F:LA5\P5`.>
<9IFP2GH``dPZL2LQk24.2U9
[
<+6P3tD3BdPZL2LQk24.99IFP
IN\P
< WB9G:ucZYK\PHxLkZ2\PHXqP9g
5[IkGWxZgZYK\PHXqP9}9Z4IN
\PPEm9G:.M`6dKV
B\P\PI_I=:€P>9JDWI