PHÂN TÍCH TÌNH HÌNH HOẠT ĐỘNG TÍN DỤNG CỦA CHI NHÁNH NHCTAG QUA BA NĂM 2001 - 2003

PHÂN TÍCH TÌNH HÌNH HOẠT

ĐỘNG TÍN DỤNG CỦA CHI
NHÁNH NHCTAG QUA BA NĂM 2001 - 2003
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1. PHÂN TÍCH TÌNH HÌNH HUY ĐỘNG VỐN CỦA CHI NHÁNH
1.1. Tình hình nguồn vốn
     
 !"#$%#&#'()
*+, (-./.01!2/
34//3/
56$%-/*/0)/7#3#
%/8 +9+:)*'+, ./3(
,#,(#!(56+;7;<#%2:
/0=)3(#>
3+;2/6/)%?@+;
*A3+'?389/?
B(40C./3D+>/E*'
7;3#>+56/E%//
/3+0
CFG=HIJ#6CFG=C/) ./
/A/7/*ECFG=C0K/,./
CFG=HIJLD#+;+,*)%
+*M*M'#"0C:!
./A /:D+>
$2+;?'!(B'B
SVTH:Nguyễn Ngọc Bửu Châu NO

GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
Bảng 2: Cơ Cấu Nguồn Vốn
GP 
K='.
NQQO NQQN NQQL NQQNRNQQO NQQLRNQQN
S
B
T
S
B
T
S
B
T
='

=+9
UTV
='

=+9
UTV
FK OWX0LYZ[XLNNNL0\QO[[NXNYX0QXL[LX [\0[LN NWYO [O0NXN O\[L
KF NOO0YONX[Y\N\N0XQNXXWXL[[0ZWOXYY WQ0\ZQ LLX YL0QLL NNLY
Tổng cộng 386.981 100 506.303 100 610.024 100 119.322 30,83 103.721 20,49
C.](CFG=HIJ
='

.
L\Y0Z\O

XQY0LQL
YOQ0QN[
L[[0ZWO





*
NOO0YON
OWX0LYZ
N\N0XQN
NNL0\QO
NYX0QXL
=$
NQQO NQQN NQQL CD#
Đồ thị 1: Cơ cấu nguồn vốn qua 3 năm
^!(B'  ./ LD#*
D0 G6 ? D# NQQO $ . /  LY[0ZNQ '._  D# NQQN $
./XQY0LQL'.DOOZ0LNN'.B/,D#NQQOD
LQ\LT_D#NQQL../YOQ0QN['.DOQL0WNO'.
B/,D#NQQNDNQ[ZT0
K*??'
#`/DD#0abD+>./D#
4E/*/ 9 /2   P  D/
#>#//-(9D.
/#)?%/9/20
SVTH:Nguyễn Ngọc Bửu Châu NN
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
y

=9.//+:#c
9$./0G6?+B
dCD#NQQOOWX0LYZ'.#[XLNTR$./
dCD#NQQNNNL0\QO'.#[[NXTR$./
dCD#NQQNNYX0QXL'.#[L[XTR$./
= /:D+>$
2EOWX0LYZ'.D#NQQODNYX0QXL'./D#NQQL0
K+;(:`3#/-8
2+,@e`//E)+;f/E
#>#,?D+;//)3./Bb
3/'+//0
y
] ./ACFG=HIJg+;BbA
;/,ECFG=C0=LD#./**D/#c
9$./0G6?+B
dCD#NQQONOO0YON'.#X[Y\TR$./0
dCD#NQQNN\N0XQN'.#XXWXTR$./0
dCD#NQQLL[[0ZWO'.#XYXXTR$./0
C./*D(#/ 2!/(D
/0
hij+;BbA;./,ECFG=C+@
3#9`/./A
+/-'(-#./
 #.k/'//,9/2
/3+0
1.2. Phân tích tình hình huy động vốn
C+/*';/
?B(l#/2/66/6)/*
3.b/?/+/'
*0=b'/g53Bm/?

/ /  2 /65* '  *0)  
/3`P-no/,!(33#g-n
SVTH:Nguyễn Ngọc Bửu Châu NL
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
o/,4p0=`/Bm./6/6
+///,*3.:%
 +:3M*///A7;/0
K/,CFG=HIJ/#./6/6
0S-p5bb'*
!'/`6#7k?@./AE
3+/$% 2!P<#./56?/
/,*0C:/7:`/
p+;(+B
Bảng 3: Tình Hình Huy Động Vốn
K='.
NQQNRNQQO NQQLRNQQN
GP  NQQO NQQN NQQL ='

=+9
UTV
='

=+9
UTV
=J=G1= \Z0Q[N \\0[N[ OQ[0\\N dYO\ dQYZ OY0[X\ O\YO
1`" \W0QL[ YO0ZWN WL0Q[L dNX0QYN dN\\Q OO0QWO OW\Y
G-" N0QQ\ NY0[XN LO0\LZ N[0[[[ ONOWLL X0L\W NQLW
=J'# WW0XLO OQQ0Q\N OLO0\ZW NN0XXO NZQZ LO0\OX LOWZ
1`" O[0LQL OL0QXZ OY0YLL dO0N[[ d\WQ L0XW[ NWLW
G-" YL0NN\ \W0QNL OOX0NY[ NL0WZX LWYL N\0N[O LN[X

1" Y0[XY NQ0QY\ Z0QNX OL0YON NOQ\[ dOO0Q[L dXXQL
= Q ON0YY[ OL0X\X ON0YY[ H ZNO WNW
=*M N0L[Q N0XYL X0YY[ NNL ZXL L0OQO ONO
Tổng cộng 175.369 223.801 265.053 48.432 27,61 41.252 18,43
C.](CFG=HIJ
='

.
OWX0LYZ
NNL0\QO
NYX0QXL



NQQO NQQN NQQL CD#
Đồ thị 2: Tình hình huy động vốn
SVTH:Nguyễn Ngọc Bửu Châu N[
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
^!(B'B+/D+>D#0G6?D#
NQQN/NNL0\QO'.D[\0[LN'.Bj"
DNWYOT_D#NQQL/NYX0QXL'.D[O0NXN'
.B/,D#NQQNDO\[LT0
=:p +:4 ( !`
/   ' /6  / & Bb P  CFG=C$ #,
6/62BbBb(#24Mn
-54%E #5f+?## p+;
5/,7+;*'5#3
 +;2*0)/7/
D0
q

Nguồn vốn huy động tại chi nhánh NHCT_AG bao gồm các khoản tiền
gửi chính sau đây:
y
Tiền gửi tổ chức kinh tế
K/,*MM*'(
P01M*/3<#(#!(
*//7+;2/6E3i
-+;*#:AM*/3<##65B
;0="/#65M*#Bm)%M*`"
i-"0
dK/,*M`":pB+
+BD#NQQO\W0QL['.D#NQQNYO0ZWN'.
(# NX0QYN' . B /, D#NQQO  (# N\\T_  D# NQQL  WL0Q[L
'.DOO0QWO'.B/,D#NQQND OW\YT0=D#
NQQNB+*M(#B/,D#+,9/2
-M*-"?#p *M-"$%
D#B/,D#+,0C+D#NQQLB+*M`
"D $%-*7
;2#!rB`9 *MpD 0
s*M-no/,3/)-Bm!$B/.
/563./tpB
SVTH:Nguyễn Ngọc Bửu Châu NX
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
*M QQNTRE-Bm# (#5/3
0Gg$%/')%M*<#(#!(
B(/7'0
S/7   l # `    *  )# #
/b'5B/,$%?
@#>(3<##6 5./
*M/52/60

dK/,*M-"(+;LD#+
BD#NQQON0QQ\'.D#NQQNNY0[XN'.DN[0[[['
.B/,D#NQQOD#NQQLLO0\LZ'.DX0L\W'.B/,
D#NQQN0abD+>*M$%
:B(4-'(7D 9/2-
+;*#:A M/3<##65#p0
y
Tiền gửi tiết kiệm
K /,  * M  M*     , 3 +
PM*<##65+>p/7+;8'5#3
0 S -  $./     )*M 
'##c+9,
CD#NQQOWW0XLO'.#c[[NOT0
CD#NQQNOQQ0Q\N'.#c[[WNT0
CD#NQQLOLO0\ZW'.#c[ZWYT0
* 'B+*MD#+BD#
NQQNDNN0XXO'.B/,D#NQQODNZQZT_D#NQQLD
LO0\OX'.B/,D#NQQNDLOWZT0=:/
E*M'#-BbD+>$2p
b'`//E)+;f/E@+;
#, M*      B + *M'#  
`ED+>0=*M'#-N-"/`""
/#65M*0
d=*M'#`"/,*M
-#B*#:A#:e#+42@BM
SVTH:Nguyễn Ngọc Bửu Châu NY
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
6 M/3?+>p0= *MP#c
U+,NQTVB/,$B*M'#/B+*M
'#`"!`?0G6?D#NQQOB+O[0LQL

'._D#NQQNOL0QXZ'.(#O0N[['.B/,D#NQQO
(#\WT_D#NQQLOY0YLL'.DL0XW['.B/,D#NQQN
DNWLWT0
d=*M'#-"/,*MM*
/)#65+>pg/,33(*p+;42:
 (     /) /7 - -n o   /, 3  
./$23k3-?/*
+0=CFG=HIJB+*M'#ND#> 3*D 6?
D#NQQOYL0NN\'._D#NQQN\W0QNL'.DNL0WZX'.
B/,NQQO DLWYLT_ g D#NQQL OOX0NY['. D N\0N[O
'.B/,D#NQQNDLN[XT0abD+>*M
7+:3D+:3/u-5Bbb
 ?  2)%+ /) % 9(M * / 3
?+>p0=/7?@+;*MgvCFG=HIJ
698+,B%kCF=h/w56
33 2!P0
y
Kỳ phiếu
CN)% )/E"f
-#/g`/0=LD#3
*-"0G6?D#NQQOB+Y0[XY'._D#NQQN
 NQ0QY\ ' .D OL0YON '.B/,D#NQQODNOQ\[T_
D#NQQLZ0QN['.(#OO0Q[L'.B/,D#NQQN(#
XXQLT0'">3"&/#65/'
+-B)3#, -Bb!,
8D#0=`+:"+;&E;%` 6
+*M'#*M$%0*)%"#
;`-#'#"/##! )
3/ g./Bm//! 0
SVTH:Nguyễn Ngọc Bửu Châu NW

GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
y
Trái phiếu
=&)% +:)/e
+/*')0
S-?%/ * ND# /E 
CFG=HIJ b ' &  +9  CFG=Cp     /
+;B+ND#+BD#NQQNON0YY['.gD#NQQL
OL0X\X'.DZNOcB/,j"DWNWT0C:/./
END#p*'l#
/@9/2+!2#>#`B(4
0
G-?-LD#`/>CFG=HIJp
+;b?./D+>D#0G5BbD
+> / p -  ` v  /' #>    6 /6 
%?2+90
2. PHÂN TÍCH HOẠT ĐỘNG TÍN DỤNG CỦA NHCT_AG QUA 3 NĂM
2.1. Phân tích doanh số cho vay
F/5/!"#
CF=h0ab?E/*MB/56?!$B
B(4*`P-no/,*#(
/,!(330]>/):/#.7
3?E-!.*M!je5
/   +; ; 7  3 0 =   /   
#5,/)/7((n(/#im)
#,-?DEi(#?0
2.1.1. Doanh s ố cho vay theo thành ph ần kinh tế
CFG=HIJ+56e/(
o/b+`'!+9b
bl#43b2/6x

hij#>'//,#?
(/+LD#B//,
SVTH:Nguyễn Ngọc Bửu Châu N\
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
/b/u#c,$B/0K*f
!>/)8*
-'(-2!/#`,0Gg
 f -o/b+#`
/E/v +;//P#cv9$B
/0
=L D# p`E/#>+5
6 2!P(+;B/+B
Bảng 4: Doanh Số Cho Vay Theo Thành Phần Kinh Tế
K='.
NQQNRNQQO NQQLRNQQN
GP  NQQO NQQN NQQL ='

=+9
UTV
='

=+9
UTV
^ LXO0QN\[OO0YQYXYX0OXZ YQ0XW\ OWNY OXL0XXL LWLQ
C NLQ0\YQLN\0QZOLZ\0NLZ ZW0NLO [NON WQ0O[\ NOL\
Tổng cộng 581.886 739.697 963.398 157.811 27,12 223.701 30,24
C.](CFG=HIJ
='

.

ZYL0LZ\
X\O0\\Y
WLZ0YZW
XYX0OXZ
LXO0QN\
[OO0YQY
LN\0QZO
LZ\0NLZ
NLQ0\Y
Q
NQQO NQQN NQQL
CD#
^ C =$
Đồ thị 3: Doanh số cho vay theo thành phần kinh tế
^!(B'B/D+>D#0G6?D#
NQQNWLZ0YZW '. D OXW0\OO '. B /, D# NQQO  D
NWONT_* D# NQQL ZYL0LZ\ '. D NNL0WQO '. B /, D#
SVTH:Nguyễn Ngọc Bửu Châu NZ
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
NQQNDLQN[T0=:CFG=HIJ`!#B#6 
?P 9B>+9)56p+;43b7
/8?#+ //,'-#`
,9B>+9B(4-'(0Cg#>
+;/ B+;//D
/7B/LD#*DD#0
=:B/?(/
*D0^- `8 l#/9/2
#g#>569/2
*g+;?'cB/ /,/b
-4+,D 0

y
Đối với các đơn vị kinh tế quốc doanh
G'+,-'56+:4 /,CFG=HIJ
+G`'+,IJG`43eIJG`/
!IJx389/2-$2
?'56+9(;/pBgy +;5/,3
0 S B  /  /,  /b  6 ? + B D# NQQN  [OO0YQY
'.DYQ0XW\'.B/,D#NQQODOWNYT_D#NQQL
XYX0OXZ'.DOXL0XXL'.B/,D#NQQNDLWLT0
= LD# B/ /,/b  *D D#0
K*'+,? /*/
*#P-39%/2:/@
@0Sb/i?##pe/E
/,./*ECFG=C fp%/
2:'0
y
Đối với các đơn vị kinh tế ngoài quốc doanh
=9/29B> 2!P-#`
v/b-+-B+;,0=:B/
/,/b+BD#NQQONLQ0\YQ'._D#NQQN
LN\0QZO'.DZW0NLO'.B/,D#NQQOD[NONT_
D#NQQLBLZ\0NLZ'.DWQ0O[\'.B/,D#NQQN
SVTH:Nguyễn Ngọc Bửu Châu LQ
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
 DNOL\T0 C) ND# P D+> B(
4?E-#/?+B(4pD 0*53
+;./ #+56/,!7+
? B //b
fD 0Cgb'/`3A;
/?`3B(4D`#Be#`6B(443b/BM

8 > ( /+: p- 5 b / /'  ? `
`@+:3-/3#B(4#>*0C:-3
p7+;#',4p*'/'#>5
6:,0
^35B/&LD#+
   /   '      B  / /,  
'*#c9$B/0=E-#
7    E    5 6  /,  /b   f
#c$70= ?56`7
56/#B-b'*P9
56&+,Dc//,/b-
D+:/'/E/v?/`
3 ? 3    . : 3  D+:  /   9 /2
4l-'(?*'7;
30] -f()
*'+,-'*M/+;
,?(#!(D+>56:,0
2.1.2. Doanh s ố cho vay theo th ể loại cho vay
F56CFG=HIJ*D+>D#0C./
563+;+/<#A;/
9/2!$B//??B(40CFG=HIJ+5
6e?%/+//2
9/20=LD#+;(+B
SVTH:Nguyễn Ngọc Bửu Châu LO
GVHD: Nguyễn Vũ Duy Phân tích tình hình hoạt động tín dụng của NHCT_AG
Bảng 5: Doanh Số Cho vay Theo Thể Loại Cho Vay
K='.
NQQO NQQN NQQL NQQNRNQQO NQQLRNQQN
GP 
S

B
T
S
B
T
S
B
T
='

=+9
UTV
='

=+9
UTV
Ce X[N0ZOXZLLYY\0Z[LZQ[LZOL0XQXZ[\ONY0QN\ NLNON[[0XYN LYXY
=d L\0ZWOYW WQ0WX[ZXW [Z0\ZLXO\ LO0W\L \OXYdNQ0\YOdNZ[\
Tổng cộng 581.886 100 739.697 100 963.398 100 157.811 27,12 223.701 30,24
C.](CFG=HIJ
='.
X[N0ZOX
YY\0Z[L
ZOL0XQX
Ce
=d
L\0ZWO
WQ0WX[
[Z0\ZL
NQQO NQQN NQQL

CD#
Đồ thị 4: Doanh số cho vay theo thể loại cho vay
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