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56 views43 pages

He Thong-Xep-Hang-Tin-Dung-Noi-Bo-Nhtm

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Phạm Hoàng Nguyên
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Gstudocu oe 4) twats tote smi PN Wo AL Sexe esha Up thing np han Ti cen tube pn sn nectar egy ns magrding gan Ven mae Sy DANHMYCTU VIET Tat. 7 DANH MUC HINH ANH. 3 (CHUONG 1: LY THUYET VE XEP HANG TIN DUNG NOIBO. S tog even rts 1.3, Khai nigm vé m6 hinh xép hang tin dung néi bo. 8 ‘Comments 1.5. Phuong phap xép hang tin dung noi bo. 9 a - 1.5.2. Déi v6i khdch hing doanh nghigp. 10 1.52.2. Noon ee ei teu phi i chin 16, Mit 49 ip dong. (CHVONG 2: THY TRANG HE THONG XEP HANG: NGAN HANG TECHCOMBANK VA SOSANH VOI BIDV.. 2.1, Téng quan vé Ned hing Techcombank va BIDY. 4 hii gust véhoat dong cho vay cia Nain hing Techcombank va BIDV....-14 Nguyen te xép hang tin dung n6ib9 cia Ngan hing Techcombank vA BID, 8 24, Quy inh chim diém va xép hang tin dong nib eta Nein hing “Techsombank 0 2.4.1. Quy tinh chim diém cia he thbng xdp hang tin dong a bd Neda hing Techcombtk 9 24.1.1. Bi v6i Kh hang 8 chi » 241.2, Si v6i Kh hang 6 hi, 26 2.42. Quy winh xép hang cia hg théng xép hang in dung gi bp Ned. 2m ‘hang Techeombank 2 2.8. Quy nh chim diém va xép hang tin dung nb bo Neti ng BIDV, 0.29 2.5.1, Bi vi ksh 2.52. Bbi vi khéch Ming doa mghigp 7 2.6. Dé git vt hg thbng fp hong tn dung noi eka Techeomba va 2 siDv. 32 1 4 nin 29 2.6.1. Bank git ting quan véhe thdng xép hang tn dong nib} Nein hang 26.11. Uadiém, 52 1.2, Nhuge dé a 2.62. Bin git tdng quan v8 he thong xép hang tin dung nbi bo Nein hing BIDV. 262.1, Uudiém sé 262.2, Nhuge did. 58 (CHUONG 3: GLAL PHAP HOAN THIEN HE THON ‘TIN DYNG. NOLBQ CUA NGAN HANG TECHCOMBANK. s 1. Ning cao chit lugng dew iu vio, 5s 3.2, Hoan thign he thing ee chi itu phi eh v8 in i S6 3.2.1. Hoan thi hg thing ede ei tu xp hang tn dung nib Abi v6iKhéch hing canhin| 86 3.2.2. Hoan thignhéshéng fe chi tu xép hang tn dang bi bp dBi voi Kc hing doanh nti. 7 3.3, Ning ep hth ty hin in s8 3.4. Tap hud cho cin WO nin hing ine Xe ang Be A's 8 3.5. Cl git pip i ° DANH MUCTALLIEU THAM KHAO. 00 3 DANHLMYC TU VIET TAT nero Riso tin dong cc ‘Trg ta thong tn in done com cin un dine i Nain hing samp Xép ang Tin dong a Via Cbs bow xp Hog! dn Kin daa snow hich hing Doan nbiep bere io Ta ein ome, Quin iro DANHMYC HINH ANH in 24. Darn in dg i Feshcomnk 219. 3 inh 22, Dono in dng ca BIDV 16 inh 23.7 1g utp 10 agin ing 2019 ” High 24.79 ¢ ag xu IDV we 2015-Q1/2000, ” inh 26. png Moody v4 Teshoombank 2 inh 27. 1718 CASA ote Teshoombank 5 DANH MUCBANG BIEU Bing 2.1. TY wong ede hi ig ai chinh ii Techcombank 20 Bang 2.2. Ty trong cho cdc chi ti phi i hn gi Techeombank, 2 Bing 2.3. TY rong chi ig i ein va phi ti chin ti Teeheombsnk 23 Bing 24. MO hin xép hang in dung n6ib9 ta gn hing Techeombank, 24 4 Bing 2.5. Ti inh te hign xép hang tn dune ni bo ti Techeombank 27 Bing 2.6, Cae chi tigu chim diém of nin cla BIDY 29 Bang 2.7. He tng ky higu NHTD cd nn ea BID 2 Bing 2.8. Cie chi tiga chim diém ti sin dam bio cia BIDV a Bing 2.9. HG thing ky higu dnb sa ti sin dam bio cia BIDV. 35 Bing 2.10. Ma urn két hop gita hét qui XHTD v6ikét qua dk sin dam bio cia BIDy 36 Bing 2.11, Bang xe dish guy mé cit BIDV ” Bing 2.12, Cée nbn hi sig pi i ein it BIDV. 4 Bing 2.13, Bim e6 ong seh eu chin va pha chinh wong chi ibm Ap than in dng doanh nghigp cia BIDV “4 Bing 2.14, 10 shom theo thang diém Khich hing eta BIDV 4s Bang 2.15. So sinh he thong XHTD nib gita 2 ngn hing Obi voi KH mh 47 Bing 2.16. So sinh hg thing XHTD n6i 9 gita 2 ngin hing Bi voi KH 8 che... AS (HUONG 1: LY THUYET VE NEP HANG TIN DUN NOLBO LL. Khai quit vé boat dng tin dung a Ngin hing Thuong mai, 141.41 Khai nigm tin dyng ngin bang ‘Ve mt i hin cn dung ng hing quan he chuyén abugug quyen sé ew von ‘rngan hing cho Kveh hang trong mt ho gin at di i mot khosn eb phi dt it, “Tint, ti quan chuyéa muon mang tinh tam ths. Thye chit cia quan bg tin dng la sy choyén ahugog quyén sit dung Inong sa tr tm thi hn ri trong mgt ‘sing thoi gan nbd i mad Kha lun thay i guy 50 hau Abi vi nog it 6 ‘Tha ih hod tr, Luong vn Gage chuyén uhwong pai doe hod te ding aa ‘vb cd thoi gian Hn gt tr, bao gbm ha bp phn 1 abe va “Thi ba, quan he tin dung da trén coo sin ton ta newb di vay vi naw cho vay. Co thé noi day a diéu kien in mang int guy in mit Hp quan Het dung. Navoi di vay cong tin tong vo Kh ng pst buy hin qua eta von vay, SAP 0 lta ngubi di vay vd ng cho vay 6 idm ny I dw kign in hin quan be tin ng 1.1.2. Phan Jog tin dyng 4+ Phin lop theo tho sian: Tin dung nga hyn: C6 thoi ham Khong qua 12 thing Tin dung trig ban: C6 ti han cho vay tr én 12 thang én 60 thing, ho: Co thoi han cho vay lon hon 60 thing, © Tin dan ‘+ Phin lop theo tn chit ca Knoan vay: 1 Tin dng co dn bo: eae kon vn in dog pt a buco ang os, vat ne ‘sin trong dong dim bao, (Tin dung king 6 dima bio: céc kos tn dung ph a hdug cin c6 hing, vate, han €& cdp v6 tin dng. ‘+ Phin lop theo me dich st dng véa vay (© Tin dung sin suit va lou thing hang oa: La oai tin dng dn cho cdc doanh i sn dm bo ma ci dh vo uy in, stn nie 4 vo ce 1 ch, ct higp vi cic ci thé kinh doans cd tin han sia sit ng hoa vm hing hing hoa Tin dung dv dang: Linh thie tin dong dh cho cf nn 48 dap tg nh eb ‘gu dang nur mia sin, xy dag nbd eta, xe. Tin dung hoe tip 18 hin thie dp tin dung cho ee 6 tay sinh vign bg sn ong tn ge hose i hos 4+ Phin lop theo 4 tong ta ng: Tin dung te tgp: hin tic tn dng ma tong 8 ng i vay cong la ng toe ip tan. Tin dung gin ip: la hinh dhe in ding ma wong 66 nave di vay va ng tr ag 18 hai 6 ton Ke nha 4 Can cit vio déirugng tin dng © Tin dung vén lua dong: La loa tin dung duoc dns hin thanh vén fou dong ci ‘fe 16 elite kinh dos © Tin dung vn e6 din: La loo in dung ge ding hin than i sn odin. ‘+ Cae inh thie pa loot Ke: tho ng kin, Khe hing 1.2. Quy tind tin dung ew bin ~ Quy tinh tin dyng (Creat Procedures i bing tong bop m0 td cing vide ‘a gin ng tr ki tgp nn hb so vay vba ei mat beh hang eho da Ki quyét iad cho vay, gi natn, thong vt than hop dag tn dung. Quy wih tin dyag ei s6 ni quan he ita cde bo phn lin quan tog hot dng tn dung. La etn et cho vige Document continue alow Netnhing hore me! — ening lp (28d) (t2adee|-tu- ERDIED! > ewtiaing —nrcep-pham= hth 822Phan abowwine — murguyen tn moh von wean toon we 7 ia dink 10 tach aan va quyén han ca ing bo phn en quan trong host dong tin dang. 18 co 5 cho vig thi lip cc sav th tue vay va ve mth chin [itp Rite ia va Tp hao cho GS man dang] Nha vem nadin hing nahién cou ‘hj trong, moi wong va tn Kin Which hing tim hiéu nbu ein vay vén, igi hig inh sch tin dung cia nan hing cho Khich hing ‘Ri soat ket qua thim din] Phan ich hig tn hugo th xy ma din én nko cho ‘gn hing, dy doda Kha ning Khe phue dy kién bong bign pip gi thidu ni s0 va ‘nw etn tit. Pane tn chan tht a eng thong tin data thép doe tr pin Jah hing tong bse 1 tr nbn net hi, thi chi a Kise hing im co 6 cho vie ra quyét din eho vay Phe dye G2 malt in dung] Th hin boi hoi dng in dung hobe rong ps png ‘rng ph hi inc it chi ing Kh ton cna v8 i i [=n de a Toy ag aod Ea Hop dng in dng ve pong pl ot de in sot i sn cnc cn png ch ing dé ‘thuong lugng hop déng v6i khach hing va ldy 0 chet ki. Khi hich hing c6 yeu clu rit von cong hop dBng ky ket Tod chiah Yeu ch nly doe ei cho cla png ch ing st 4 19 pha qu tin dng a 7 Gitar st WHE SH] Ce bdo cho vé han mie va hgp ng hoe bso cdot han i ‘sin am bao cing v6i ede Khosn mye vot han mite va ee Do eo Khe v8 ee tong dhgpngoai I cia timg khich hang sé duge phon qu I in dg soa thio va chuyéa ho pong Khe va pong quan I ri tn dung [BiG TR i chinh kong tm ia ting ang iro thi can bo phon ‘uch hing c6 thé lp vad wink mt 8 wuit sia Bi don gidn. Neuge ni gia ting nico ‘hi cin 69 phong kick hing ph ap li dé ut tin dn 8 = Tig pa TA Phong quan y tn dung thing bso do han ho ‘nich hing va ci bp png kh ing etch aig Liga he vi keh hing 48 tra0 bi v8 kha ning vay din ng vo ngay oan cs Kc hang. 13. Khai nim vé mo binh xép bong tin dung nGib9. ‘Be xAy dma wen caso chim diém ce ci in ti hin v pi ti chi ein Jah hing nm Iuyag hoa ri ro ma ngin hang 66 Kha ning pi 4 mi 1G thing xp hang tin dng n9i bo sit dng pong phap chim diém va xép hans siéng 4 vi img nom Khich hang ‘Thuing dg chia tinh: Khieh hing e@ abn, Khe hing dosnt nghigp, Ke ‘nang din ch i chin 14, Nauyén tie xy dyng h§ tho xp hang tin dyng nt b9. Nawyén te xy dig he thing xp hang tin dung n9i bp Ae quy Aish ti Khosn 2 Bidu 5 Thong nr 02/2013/TT-NHNN quy dink vé ph loot si 66, mt tic, ‘mong phip tic lap dy phong rai va vie st dung dy phong dé xy iro tong ‘not dong ei chic tin dune chi nhanh ngin hing nude ngoai do Thing déc Nein hing Nha muse Vigt Nam ban hn, theo 46: He thOng xép hang tin dung nib phat dave xy dmg theo cde nzuyén ti sa a) ay dung tren co 9 sign, ong tin ea tc Khe ing dt thap doe wong ‘hoi inn i nit 01 (ane) is ida Ke tne ni xy hg thing xép hang tin dune mis. ‘yl nhdt mdi nim mot Ha, he thong xép bang tin dona wb bo pha doe xem et sta 81, bd sung én co 6 6 iu, thdng tn Kc hg thu thap duge tong nm, ©) Co quy in cc mite xép hang toms tng vi mt 49 ott dn co, 4 uge Hoi dng quin ti (ABi vit chitin dung i cng ty cd phn), Hoi dng tinh vin (vi the tn dung la cong ty trch hig ha), Tug gdm code Gia dc (48 v6 chi nan ng hang awde ngoai) phe dye p dune 1S, Phuong php xép hang tin dong not bi 1.54, Dé vit Kc hing ¢4 nbn thé nhan) "Nhom ch eu my tong bao gba ce chi eu v8 nn thin veh eu V8 quan 2 vi agin hing. Hai phnvong php xép hang tin dng thé han chinh uge st dng abm phurong pap ehuyén gia va phuong pip thing ke, Theo, phuong php ehuyén si a pong php thu thip va xf nh dnb sa dy bo bing cach tip hop va hoi ‘én cc chnyen in gi tong inh vet chin nasa hang dc Air ro va cht ugng ca Kon tn dung ‘8 hve hignphtong pp chuyen gia, cin sit dag mot bing ct oi gm ee ‘ie ch in quan ti rio tin dung vi ua cho cde chen gia Ke nau O&A i, ‘Sm da ec hit qu igi con ic chuye gia doe tp pli A thing v8 ho m két qua cu6i cing ‘Va diém cia pong pip chuyén gia tin dung duge kin ughiém vt tie chuyén su cia ce chuyén gia tong chuyéa ng cia ho. Béng thoi do két qua dnt i due tip hop te nhibu nw én ke qu din git 6 tn ey cao, Tuy nhién, ong php ni si lon dn i ‘urng mt ni chi ph va thoi gian do s ugg tham gi cnn Phuong phip thing ke da én ce 6 ig the idm nr mie 9, Kha ng tt 1g... 8 phvong php kid dn thing ke ph ign ee ign sb ah ong ti so tin dung. Su phi hep cia m6 hh théng ké phy thude rt om vo cht agg ea b> <2 igu tage nghiden. BO de igu phi lo vt chia ce mo hi tha kb a s2 sméi 6 nahin. Uu dim cin phuong php théng Ke la vgs nk sis Kh quan, 0 1.52. él véikhich hing doanh ughigp. 1 1.Nhom ehi teu 1a chin, Day li ede ei ten dink ngng dye Hy te ip hope qua tin ton da teen ‘fe bso cot china bang ting két ts, bo cdo ket qua howt ng kin Joan, ‘bing Hen choy sda ci Joan nghigp (iy Cae 66 Kia nag thal oan, 4 Rnd ning than ton tong qt cha ming than toan ng nga han 4 Rnd ning than toéa nan, + Rnd ning than toa ng, ‘a ning than ton ai vay (27a cso pt ang stat tug von Sn XH A Ue Vong quay vén im dng Vong quay toan bo ti san. + Vong quay hang tin ko. Vong quay ee koa pai dhe (6) Ca 6 phn ah Kt citi chin. + Ty sb mean. + Tysbn9 (4) Ce 6 phn ah Kd wing sin Ty ut lp nti doaal thu. 4+ Ty sult lp nui eve ti sn ROA) 79 suit ii nin ten vn eh 56 hou (ROE) u 2. Nhdm cc eh teu phi tl chin, Diy! pha hi «dm trén cc bio cio ti chinh cia doant nghigp. cic thong tn ny doe thu tp tir sigu nguin cabin trong vi bén ago doaalnzhigp. Dé xc dinh ci ci teu may mot ich cin xc oi hi new xép hang phd trnh 49, am hiéuvé ln we nt inh. ic chit inh tinh, mgudn cia cc chi teu iy duge ly kh TT ve Hoot ag ah Town ‘Linh ve hogt dng kinh doanh phn ink rin vong pit ign cia ng, ci sin ‘him ma doanh nghigp dang hogt dong. Ning inh we dang pit tién. 6 sy ting ‘ng evo thi mite din nim sé c30 hon so vi tg linh we, hong nea dang say tho. (2)-Uy tin wong quan hg vi de elie tn dn. (Chi idu nay cho bit doanh aghitp tong quan hé voice tb cite in dung 66 t ‘ny dng han, tye hign dy dis ee cam Ket hay Khong. Khi doanh nghigp Inout ng dy «v4 ng han cho thy dosah nghigp 6 tn nhigm v6 fe edie tn dang, i dng vn eb higu qu c ‘Rina (Chi idu nay cho bid kh ning te no abe trang dain wong teong si, Tin on hi iu my dy vo ngubn thu pd ign te phoong dn sin xt kin dan, fun, De dnd, pong dn sn xt kh dooni co higu qu cao th kt ning tno ‘ur chy tént on (Gh Triah db quan i cia ln po doau nahigp “Trinh 49 quan ly thé ign &kinh nahigm chuyén mon, rink 4 hoe wn, kha ning ‘inh doo du han, inh ing dng. nhay bén tong hoot Ang kinh doanh. dy a ya 16 rt quan tong trong quan 1 doan nghiép. Mot doanh nahi co ban La dg0 co ing Ie, e6 cuyéa mon cao sto uve nid tn tong quan he vi gin hing (9, Cie eh ea ie oath nghigp cing chili mot chi thé wong host dong kn doaah, chia ste 6)ng boi st id ede ydut6 bn ngodi nr chinh sich ea nba muse, nha cung cd, ‘gui id ding, sin pli hay the ply the wo du kg én... bog daa nghigp ph the vio ben ngoi ahi hi me tin abi sé tp hon so v6 tong dosal nghigp 6 ts phy thyge hon 1.6, Mite 49 ap dyng. ign nay, hu hi oe ng hang Adu 0 ech chim diém tn dung nd bo et vieos minh da tn nig tga chi Ki nou. Das cc m6 hin xp bang tn dng ein ‘aj céc mg hing thong mai tn theo cc rin ty tu chit chit che, gém: be thing ic tga chi dn ai wa dim trong sé cic xc din itr a tng én chi din a ich quy ii it sang diém ciate hi din sd: eich xép hang tn dung kich hans ‘va quan dim cp tn dug theo ti ric xép hang. Do vay cdc m6 hinh nay twen ‘ib hop v6i teu chin dang sr dung es nid cite in nig ten the i HE thbngxép hang tin dung ea cde nan hing thong mai dye xAy dime theo Se this hog dong tin dung va chiénIvge pt win chasing eating ng hing, ‘ur kt op ce chi ign din tin css dita b8 sng cho ccc ig ink noma én 0 6 cc hong din chit the hig chm in va xp hang tin dh ssp ban ché nt quan trong anh i ec chi ie, ‘Chim diém xép hang tn dong 18 mdr tong nhtng edn cp sity ngan han ‘thuong mpi ning cao chit luong cp tin dung cho khich hang ing ewong higu qua quin ‘ito tn dung tim co 50 48 nga hang quyét dink gio han tn dung cho Khich hang. 1B He thing xbp lane tn dung ea cdc agin Mag Hhuong mi cong chia M9 loz i voi nhmg Khich hing c6 mie xép hang in dung tip. Ty theo mite 49 xép hans sro tin dung ngin hang thong mai sé ting din cdc yéu cin vé diéu kién cho vay, ti sin im bio, thin chili thé p dng. cic bign php @ tap trang tha hing. [gol sa hi 6 m0 hinh xép hang tn dng e@ nbn cba BIDV 1 A gt Kt bing thong qua vigekét hop mie chan did xép hang tin dng cla newb vay Vit ‘sin dam bao cho khodn vay 46, Twy nhién mie ket hop dah ai my qué xem tone it {ti sin dam bio cs hosn vay hon la Ki ning ti ng eda Keh hing. Do vy 62 vige in git/cdm di Khch hing sé hop Ij vi chinh xe hon, ein 6 mots kt hp tnd gia Khich hang vay thong qua xép hang tn dung cia Khoa vay do ei tab hint ‘sing takki hing. ‘MG Khe, nhidu khich hing co quan be vi ng hing khong hop tae wong cng cp thong tin hoe cung cip thong tin khong kip thi. C6 tong hop Khich hing ‘xing trang thy, che su thong tn, 4c bit Khi gp kho khin tong sin suit kink doauh ode che gi thong tin hoat dng nim mc dich ring. Do vy. chit rong, ‘tong tin keh hang cung ep lvon ein duge thm din ky, kt hop thu tgp Mig gn thong in, dién bia vay wn 48 cde quyét inh ph hep. ‘Ben canh 6, ngin ng ctv xy dig ten thdng ch dn hidn ti ee the idm tw ng chim loi di voi kh hing ed nha theo ky. vig thim di ede thing tin ‘iy cong bi han ché, da phn py thudenhidu ve thong tin do khéch hang cuns cp, la 66 o 5 tp trang 48 cn beh dg tra soit, so sé, kd dn, Do vy, 19 ng ttm dn non Khdeh ing 6a vay von, nung chiza dg csi diém hoge chin id Lin Ay 4 (CHUONG 2: THY TRANG HE THONG XEP HANG TIN DUNG NOLBO CUA NGAN HANG TECHCOMBANK VA SO SANH VOI BIDV, 2. Téng quan vé Ngin hang Teehcombank va BIDV. ‘Nain hing thong mai cé phin ky throng Vigt Nam (Techeombank) due thin lip nim 1993 - Teccombank vi sé vn did Ichi 20 7 VNB, én nim 2019 43 ‘hn agin hing Lon thi ba v8 véndidu Ie. Trong sb cfc ngn hing ti Vigt Nam, ‘Techcombank dns thie 6 vé tng ti sin, hie 2 v8 Io nh va ng bu Ve 1 ut sing ten ti sin (ROA), dat dupe myc tga t9 thin nen hing boat déng hign qua sik Vig Nam tse kéhogch ti 02 nim wi he Jot nb rn wi cht ta bin .gvia (ROE) va loi nha tren tng ti stn inh quia (ROA) trons nfs 2019 lin hot 17.85 vi 2.98. Techeombank cing dang duy tty Ie ting tradus hang nim (CAGR) ci don th 6m 20-3096 nam, ‘Nan hang Thuong mal Cé phn Dau eva Phat tién Vigt Nam (BIDV), <0 iba ‘hn 1 Nan hang Kign tide Vige Nam tre tude BO Ta chin dupe tha gp va mim 1987. Nasi ing host ng trons Tinh we huy dng vi kinh dosh vb, va ung chp ede ich vy ti chinh ia quan, BIDV chin thic hot ag theo bia thtengin hing thom mic phn nim 2012, Tin Aén cui nm 2019, BIDV tgp te dy to vi thé 1 ong bg thing cdc agin hing thong mai vé guy mo tng ti sin (1.49 wigu ty hag), dg cho vay Hh hing (1.1 iu 1y ng) vA tng iba hi Khel ig (1 tga ty dng). ROA va ROE lin Iugt dat 0.61 1298 2.2 Khai quit vé hogt dng cho vay ciia Ngan hing Techcombank va Biby. > Hogt dng tin dung cia Techcombank ‘ét hic nim 2019, sb tin dung ring le cia Teccombani: dt 258.041 ty dng tvong dong vi mite tng tong tn dung 18.8% - 17148 dupe NHNN cho phép n6i ng kh Techcombank duge chip thuan ép dung som Thong tw 41/2016°TT-NHNN quy 1s dln ty 1¢ an ton vin 46 voi Ngan hing, ch ahinh Ngan hing aude ngodi (phous sp ign chun cia Base 1, ‘Phin kivic Khich hinged han va Khich hing doanh nahigp abo & vita tgp tye a phin ‘ave tip tung eign ge es Techeombank Kiting tng Ha hwo 45% v8 43% rong ‘nim 2019, cid omg 46% vd 19% tong dong todn Nan hang, + Toi pin khie khéeh hang e@ ain, Nain hing vin dy ts chuyéa dich mea sé sang cho vay c6 ti sin dim bio ki vn duy td ting tom 60% va 9% @ cho vay mua ahi & cho vay mua 316. + Phun Ke Khich hing dosnh nghigp véa & nho cong gi abn mie tng tong 0% o cho vay ngén hn vn he dng tong nim 2019 the dang di sng chidn Inge 08 dba, K&t qua da twong ndy cba mang doanh nghigp va vo 6b luge a nh mt lat ec sing kiénchuyén dBi hm cai thign shai Fong cia Ikhich hing. do to vi pt tri nn vgn, ci tga uy tins hoot dg vio tin dung ioe trién ka quyét ligt trong nim 2019. Minh 2.1. Durng tin dgng 191 Techcombank 2019 Newdn: Techeombank + Tyieagxiu “Ty Ing xin gidm abe tong nim 2019. Chit hagmg i sin cia TCR dpe di gi I ci un 18 ng xin (NPL) sung bai te 2% 1 thi diém eubi nim 2017. Ta sin Khong hon dng 4 ce khosn phi ‘hign ding sa Kit tosn xong ti phién VAMC v8 6 ‘hu ign quan dén vie I no uch si cong 48 dupe TCB thu hbi tong Q3/2018, ‘uy nhign ti thoi diém Q3/2019 TC suit ign Khon phi thu $00 ty dng. fing. Trong 40, dh ng tn dung 18 cn, dn cu va tri phiéu dean nshigp dat 1134508 tf dng, ting tng 12.29 chido 13.8% tin ding ton nga, Minh 22. Dwrng tin dung cia BIDV 2017 2018 2019 Neuén: BID ‘+ Theo adi twgng: Cie phn kc Klich hing me teu dbu dat mite ting tema th (© Kid bin: Tip we dy ti thi phn cin di hj rong voi dno tng ‘rung 215% so vei nim 2018, chiém 1 rong 34.5% tng do tin dun. (©, Kh bn budn: Tang trasng 8.3% 50 vi din nim, wong 48 di ng SME tang tong ki, dat 21%, ea hon te 49 tang song tn dng cng, {+ Theo ky han Dern nin aa itp te ting tring wt 15.296 so wi mam theo Sung din hung: Du ng tung din due cn 45 mo sng co phn Ke bin 18, Khich hing FDL, SME: Cae dn, chong tinh tong diém e6 hi qua. TY ‘wong dung tung di awtbug dng a 37.9%, thip hon aid so wi me ew idm soot, "7 {© Theo log tién: Diag tang tring theo ing dh hudng, trong 46 cho vay VND tug 14% so vidi nim; Cho vay ago téduoe kiém soit, giam 10% so v6i di ‘nim, bm st chi trong cia Chinh phi va chi dgo cia NHN, chuyén di ‘quan vay mano sang miu bin ngont, gia bot ap hae ci di ngoai + Tyienagxiu huang 2019 Neudn: VCS ting hop Mie di tde nim ngan hing Kn din agin, hung ty Keng x4u ea BIDV dupe a gi Ks 6 so v6 ede ith can tanh. TY 9 x cba BIDY dui 2% cho inh 2.4. T9 If ng xiw BIDY tir2015-Q1/2020 Nau: PCS ting hop [BIDV dang kiém sodt tt bai toan ng xu thong quathyc ign déng b9 cdc bién hips, kid sot cht omg tin dn, yn x theo tn thin a 1s ‘quyét 6 42/NQ-QH va 10 tri ti prong én co eu Is BIDV aii doan 2016. 2020, Bén 31/122019, 19 Ie ag cho vay’ 18 che, din ev a gin a 1.75%, 7 Hen nhom 2 42.2%, dim bdo me teu kdm sost, Kt he quy 172020, tH ng xu ea BIDV gi te 1.75% nung edn 1.74% trong 46 ng nom 5 giim 8% so voi thoi idm Adu nam 2 Biby. vén the xép bang tn dyng 061 b9 Ned hing Techcombank vit [Neuyén te xy dimg he thing xép lang tin ding n6ib9 Cage quy di ti Khodn 2 Bigu 5 Thong nr 02/2013/TT-NHNN quy dink vé phi loa ti sin 6, mit ich, ‘tong pap th pd png nitro va vige sr Gong dr pina Gxt Iy ra vo tone Int dng ei chic tn dung hi nh ngin hing nude ngoai do Thing Abc Ni ‘hing Nha nude Vigt Nam ban hin, Naan hang Techcombank va BIDV etna xay dus thing in dng noi ia minh da tr nguyen te 48 ge uy ia HE thong xép hang in ung ni bo ng ing dye ay dmg wen coo sé itu, thong tin eta tt ete Kh hing 08 thu thép duoe tong thei gia table OF wim ta KE te nim xy dg he thing xp hang i bd. ‘ant mt nam mt Hn én a xem x6, sta bi, DO stung tb xép ng tn dung noid ren co sos Lig, thong tin Khich hing thu tp Ae tong am, Thong tn vi he thing tp hang tn dong a6 DO tuba Gly Ai va sin sing d8 cung chp ‘co yeu cu cia kiém toan ni B18 chic kiém ton dc lap vi cic co quan chte ning ‘ui Ki the hign shan ra, gm sit, kiém tan de lap. ‘Techombank da xiy dmg mothe théng chm diém cin ding va xp hang Kiel ‘hing cia minh, bao gm cd hich hing ed akin vi hich hang #5 chit. He thing miy ey ‘88 1 mot guy tin di gid cia Techeombonk vé Kh ning tte hign ie nghla vy ti hin nr tt a, ta Ki han, .. nn xe din iro tromg host done cp tin dng cia minh. Xép hang in dung noi bo dha tren nguyen te: Phin eh tin nhigm eva Khdch hing ten cos ¥ thie va thin chi td ng vi ting oan vay inh sf iro di ban voi nk huong ti chu ky inh doan va xu hung tr ng trons tong ai ‘én gid ri 10 fodn den diva tren hg théng xép hang thong nt ‘Con véi BIDV. be thbng xép hang tin dung ni bp etn 8 dap ting cde didu ign vb sdy dmg bg thing xép hang tin dung ni bo cia nan hing ah muse. Voi mus dita sin tip cén ting bude véi vige[t Inbug va tinh ton rit ro theo Higp we Basel I (theo phiong php tgp cén xép hang n9i 6). Theo dd, Kieh ing Gaye csim itm va xp hang tn dang doe chia thih 3 abOm: Klsich hing dosh nghigp, khich hing e& sina va Kel hing din ebé ti chin, Treag 4, phn me chm dé tn dung Kh hing doanh nahiép i661. ‘god sa, BIDV hign dang sit dong két qua chim digm la m6t wong nhs teu cht thing iu 48 thie dinh, dnd gid Rich hing vi yet tin dung vi xe dink mie ep tin dune di wi ch bin ln ci phin cp thim quyén phan Si voi mdi ang ‘nich hing ke nha, chi hin 0 mbe iy quyn phe dye tn dng Khe nba, Bing ‘oi, me edp tn dang va 1 18 dp tn dung ti a so wi ti sin dim bo Abi vd mB vic hing cog due xe inh diva én hang tin dung eta Kc hang 86 24. Quy trinh chm aiém vixép hang tin dyng ut b9 ea Nain bang Techcombank 2.4.1. Quy trinh chim aiém, ‘Nein hang Teencombank, a We thong xép hong tn dung n9l bg aul. divi khich hing té chs. Bude I: Xie dinh nginh kin 20 ‘Bnde du tga hye hign trong qué ein Hk xAe i ng kin doanh ehinh cia 18 cite 40, Ngan inh dosh chink cia kbfch hing 14 nah mang lai wen $0%% dos ‘hu tong 3 nim lién He. Trutng hop tb che kinh Joan da ng’, khong 66 nginh no aah dy tén $0%6 thi nga kin dosh chin Ja aga erin ning plat ei nit ‘wong tons la ube 2: Xe ainh quy md doanh nghifp ‘Sau khi sie inh aia kin t2,Techcombank phn lost doo higp theo guy ‘m6 lon, vn vt nhs theo cee dig vé dona th thn, wn chi shit, ng 8 in, doanh sé than ton xu nip kn, doan sé mma ban nzoai 56 lng Ino don Bude 3: Nie dinh ogi tinh so hitw eta cite Doan nghigp duge chia thinh cic logihinh so hau ty theo dBi rugng 56 li: o0 | 10% hose 18:20 2 | teinn dp | Trendai| Bai caoding | Tang | Dusit | 10% re he trang hye 3 | titadn, | Knong co | 1 0 tiger 4 | tuning | chase | Nia Tout | Kise | 10% exe [mw | chung | din s| sonar | <3] 3 4 os | to sntieo | agwoi | nawoi | ngwoi | navi | nawos 6 | cocingia | Har | séngvdi | sing | nse oe inh tin cha cing gia ae ish Kite 7 | Bionigm | >100 | so-100 | 30-50 | 15% | 306 ign pha ‘iT hap 2 3 | Tannin | Luonta| Davigie | Bacon | Dacdag | Hien tino a6e | noding | banne, | quan’ | quan, | dang vari [tm Y ign | kich | Ati ning | 6 ngtét | hinemsi | wane | qua hongén | han it, 4 | cécdicn Tieng chist Khong | 15% vusiedune | vacie dung dich st dich ‘utah dime ise ton Nau: Nein hg cv ph rn Vi Nam Buse 2: ing hgp aiém va xép hgng khach hing Ting bgp aie: ‘Biém cd nhin= Biém cho chi igu nn thin * TY wong cho ci téu vé hin thin + Bim cho chi teu vé Kh ning ta ng * Ty trong cho chi ign Eka ning tno ++ TY trong cho chi ign vé ahin hin: 40% TY trong cho chi tigu vé kha ning i ng: 60% ip hang Kitch hing: dm vio sb ida dat dye, Khch hang due xép ogi vo 1 trong 10 aim theo thang dig nr sa Bing 27 HE thong ky higu NHITD c4 nha ia BIDV po Diém | Xéphang | Dan gis xép nang 95-100 ANA, iio thip 90-94 AA 85-89) a s0-84 BBB aio tung binh 0-79 BB 60-60) 8 50-59) cee Riiiroca0 40.49 ce 35-39 © M 53s D Neds Ned hg 0 pein Vide Nar Bude 3: Binh gié ct ti sin im boo: ‘Bang 28. Cac chi teu ebm diém tai sin dim bio ca BIDV. cnitien in 100 ® Fa 2 ° I] Looistisin | Tainhoansién [Giiyreo | pit | mitdong sin | Khong co tam bio ati gidysco | gitdors | dong | akong pai | 8 sn ‘8 do Chinn pho} che pat | sam inna} nna 9) dong | dam nso hose BIDV phat | hank arrc® | 6) | sin, cd phigu bin phigu) 2) i si sn] > 2006 150=200% | 100 | 70=100% | < 70% tam bad 130% ‘Tong no vay 3) Riirogiam Jose noaccdxn f1-10% — }10- 30-som — | > sore sidvaisin [hing ing 30% im bio ‘rong 2 nim 8 in diy Ngwén Ned hang dn 0 pein Vide Nam ‘Ta sin dim bao duge xép Tog theo diém dat dye a sav ‘Bing 2.9 HE thing ky higu duh gli ta san dim bio eda BIDV Diém | Mee xép opt | Dinh gla tat sin dam bao 225-300 a Mania 18- 8 “Trung binh <7 © Thi gud: Ngan hang dwt va pein Viet Nam Burd 4: Ting hep vi qué ain ‘Mota guy nh sa Ki tng bop dé, 6 1g 2.10, Ma tr két hop gta két qu NHTD voi két qua nh gia ta sin ‘ima bio cia BIDV Danh gla TSDB a B © xuTD AAA uit sie Tit Trang bin AA A BBB Tie ‘Trung binh | Trung bial’ Ti ehbi Bn B cece Trung bind’ Te eb Teh ce 7 c D Nd Ned hang dd pein Vide Nam 2.52. él voi keh hang doank ughlép ‘Bude 1: Nae jh mph nghé kin di ‘Vige xe ia agin nghd ki dnl eta DN da vio host ding sin xt kin anh chinh cba KH, Trong db, hogt dng sin xudtkinh Joan chinh a hoa bug dem. [ain $0% doaal thu 16 én tong tog doa thu hing nim eta KH. ‘Trong truoug hop KH kink doanh da ngdnk alumg khong c6 agin mio cb dosnt thu chigm trtén 50% thi chi nan due quyén ta chow nginl 6 ti ning phi sit tong cdc nzanh ma KH cé host dng dé xép han. Bude 2: Nie diah quy mo ‘Quy ma host ddag cua KE phi the wio ngin nghé kin doanh mi KH dang cb Inogt ng. Quy md cia Kh duge xc dinh dva ten vige chim diém cic me teu sau ‘Bing 2.11. Bang xac djnh quy m6 cia BIDV vr ‘iin the Diém chu 1 | Quy mé én ena sé how 8 Teen 3019 dng 0 Tir 153047 ding 2s The 10-1817 ding 0 - Tes ~ 1019 bug 0 DusiS tying 5 2 uy m0 lao dng Trén 300 no 430g 1s Tyr 200 300 hao dong w ns 200 lao dona 5 3 Doanh thu tania = Trea 20019 dng 0 » Tir 150-200 9 dine 0 ‘Tr 100~ 15089 ng 20 Tir 5010089 ding 0 Dias S047 dng s 4 | Ting awng vay Nein hang Tren 30 9 dng 5 Tir 183019 diag w Dui 15 19 ng 5 Tigi Nin ng rv prin Vids Nam > Quy mv cia KH dug chia tha 3 Tog hn nb sau: ‘+ KH quy mon: 6 tings idm 22 idm én 32 dim ‘+ KH quy mo vita: 66 ting sb idm ro 12 did dn 21 idm ‘+ KHL quy mo nbd: 06 tings diém doi 12 dim Bude 3: Nie ph tog binh show cia KHL 0 (Can tt vo di tong sé hou, KH uve chia thnh fe logi ke naw + Ke a doon nghigp nb made ‘KH la doans ugh co vin iu tw nade nzot + KH Ae ‘Voi mdi loai KH, hg thing XHTD quy di cich chim diém ign bi voi ting time dhgp KH dang co quan he tin dung hoBe KH mei cha 6 quan hé tn dang tg BIDV [Bse 4: Chim alm ede ei ti tl eb (Cac hi tigu ti chinh gm 14 chi tiéuthude 4 nom ab sau: >> Niuom chi tiga thanh kon (3 chi tit): ha ming dn ton hign hank, ha ning than roan hank ha ming dan tan te tho > Nm chi tiguhogt dong (4 chi tien) 4+ Vong quay vin im dong 4+ Vong quay hing in ko 4+ Vong quay ee Khoa phai thu 4+ Higu suit sit dung tai sin din > hom ch teu tng (2 ch tg) (© Teng: phair Ting ti sin 4+ No dai nay Nan vbn 6 "Nb chi teu th np (5 chien) ‘+ Loi ninjn gop’ Doan tw twin ‘+ Loininjn tirhogt dng inh dosnly Doan tu thud ‘© Loi niin san hub! Von chi so ew 41 4+ Lot nimi sa thud! Tong ti sin ink quia ‘© (Coin tae thé + Chi ph Ii vayy’ Chip away co cbudiém (ugg 3) ia ce ci it ti hah Auge quy din Khe ua cho ce ‘azn hc nau bi dn gi ding ban cit va dct sing cia mai ng Rink [Bic §: Chim dlém ede eh eu phi ta chink “Thong thing, bc iu pi a chin zm 40 ch tg thupe Sab > ht ning rat na chy i (2 ci in) 4+ Kha ning tp tng di han ‘+ Nowbn ty la Kéch ing theo dn gi ein CBTD 2 Trinh 49 quan fy va moi truong noi bo cua DN (9 chi tiga) ‘+ Nhin thin cia nzwoi dims du doanh nghigp va ké toda ong ‘+ Kin nghigm chuyén mon eta ngvoi ding Adu doan nghiep ‘+ Hoe vin cia aguéi ding din doash ushiep ‘+ Nang ve didn hinh ets naw dg du doanh nghigp theo aah gid ea cep 4 Qua hg cia ban Hah do doaal nahigp vi ede eo quan hou quan ‘© Tunh nang dong cia hi wvdng theo din gt ela CBTD ‘+ Tin ain, chién ge kin doanh cia doa nghigp wong ne 2 én $ atm toi > Quan hg vi ngin hing (11 chew) 40 nay ben ca ban lan go doanh nghigp vist thay Abt ‘© ‘Lich st tr ng cia khich hing tous 12 thing qua 4+ Sb in co edu Ii trong 12 thdng qua ‘© Ty mong ng oo cu Ii ten tng de ng ‘+ Tin inh ng gua han ca dung it ‘+ Lie sir quan bg ede cam kétngo9i bing 2 ‘+ Tinh binh cung dp thong tn eta hich hing theo yeu eu ci BIDV wong 12 thing qua ‘+ Ty wong dosn thu chuyén qua BIDV tong tng doaal tv (rong 12 thang qu) 30 Wi tong tie Vn ee BIDV tong ting sb vin Age tie ein anh nghitp| ‘+ Mie @ sir dung ede deh vs (itn ava ede dich vu Khe) eva BIDV ‘+ Tobi gian quan hg tin dng voi BIDV ‘+ Tinh tang no qué han ti ede ng hang Kise trong 12 thing qua ‘+ Binh hong quan bg in dng voi khch hing (Cae hin t6 be ago (7 ei eu) 4+ Tiga vongnginn ‘+ Kh ning gio nhdp thi ting eta ce doaah nabigp mi theo din gid cba cBrD ‘+i ning sin phim cia dom ugh bi thay thé bt cc “sn phim thay thé” ‘+ Tinh 6a dinh eta ngwda nguyen it du vio ‘© Cf chinh sich bio bo! dt cba Nha ae “+ Anks nrong i cc chinh sich es ee mde ~ thi truona sit Khu cin ‘+ Mix pthc cia oat dng kin doank cia doanh nohiép vio cic diéu ign ewnhien (Cac dc dim hoot dng cia KH (11 chi tiéu) ‘+ ip due vao mot sit nha eung cp (cae yéut6 dn vio) ‘+ sip dhe wo mot sit ns sen dng (sin phim dur) 4+ Tée do ting trdug dona thy ct doa nghigp trong 3 nf gin diy ‘© Téc dp tang tung cia Li abun (sau thud cia doanh nghigp trong 3 nim gin tay ‘+ Shaan hogt dong cia dom nghigp wong ugdah ‘+ Pham vi hoa! dong cia doaub nahi (pam vi ti thy sin phim) ‘© Uytin cin doanhnghigp vi ngwsitigu ding 8 1+ Mire bo iden i sn ‘+ Anivnmdnaea se bién dns nsin st én hot dna kth dos ei dosh hig 4+ Kha ning tgp cin ede nzuén vén ‘+ Trdn vong pt én evs doanh nghigp theo én git cia CBTD “Tuy abign do dc thi rgng cia mdi agi nén 56 fom. ai tri chwinvatroag a ce chi tg pu tog nm ci chi uti chinh cia ce npn nomn nga kc slau fa Khse nba, Trong sb a ee nlm chi teu phi ti chsh age quy din ne sa ‘Bing 2.12. Cie uhm hi tiéu phi tai chinh cia BIDV ae eh eu DNNN] DNeo vin diu tense] DN goat hse 1 | timing tag tet cuyéa] 65% 1% sw viene 2 | Trinh a9 quan 28% 268 28% 3 | quan ne vi nga hing 8 31% 4 | cic niin bin ngoai 10% oe ns 5 | cic dsc diém boat dong khac | 19% 20% 19% 4 ‘Tone sé 0% sow 00% Neu: Sty tin dng BDV Bue 6: Tong hyp aiém va xép hog “Tong hop dim: 1 tag cic chi ti th hinh vt pi ti chink piv the v0 4 tn iy cia BCTC ota KHL “Tong dit ‘igo phi ti chin * TY wong ede ehitigw phi ti ein én cae eh tie tai chin * Ty tong eae eben A chink Biém ede cht Bing 2.13. Diém c6 trong sé cac chi tie ti chinh va phi tl chink trong ‘him aiém xép bang tin dung doanh nghigp eta BIDV BCTC aa duye Kiem | BCTC chwra duye kiém ‘Tytwong chi iu i chin | 35% 20% Tyron chitieuphitsi | 65s 65% chin Neu: Sty tin dng BDV > Dyateén ting idm dat duge, KH duge xép vo mt rong 10 hm theo thang idm sau: ‘Bing 2.14. 10 nhom theo thang diém Khch hing eda BIDV iém | xép | Ynghia oat AAA. | LAKH dic bigttét, HKD c@ hig quart eo vi ign tye tng tueng, ‘maul tim he ti chin Ae bigt manh dip img dpe tét moi naa ‘utr ng: cho vay i voi KH miy coh ning th bi dy 4c ng sic v9 Ii ding an 83. | AA | LaKHrittét, HDKD co iu qua cao vi ting tndug ving chic: in » ‘hin ti chin tt im bio the hign diy di cdc ghia vu ti chin da ‘am kit, Cho vay 8i voi ce KET nay c6 hi wing dh hi dy | an abe viding an are | A | LaxHté HDXD co lus ting ting va co higa qua: tn in it 8 inh 6 in, kh nig tng dm bo, Cho vay dbi Vi eke KH mhy 6 Ku ning thn di dy it ng ade va Ia dng han 71- | BBB | LaKH tong d6it6t, HKD c6higu qui bung nhay cim wi cdc n ‘hay bi ve idu kign ngosi cin: tin hind ti chin Gn in, kh ‘ning td ng dtn bio. Cho vay bi v6i ede KH mty 66 Kd ng tho ‘idly dit. pc vi ai hg o0 du higu Kh sy’ idm kha ning td a 46 BB | LAKH Dinh thuimg, HDKD 66 higu qua tuy nda Khong cao v8 rt ‘hay etn vice didu ign ngogi can, KH miy €6 mot sb idm vera ith, ki ning quan Ly. Cho vay 4 vi ede KH nay o@ kh ning ‘thu bi diy a ca ng ge va la bung c6 iu higu KH suy gam kia ing tg s9- |B | LakHeinchiiy, HDKD hu lw Khong 6 higu qua, ning vet 6s hah uy pi, tinh qui Iy 6m nbidu At ep: dr ng vay ea che ‘KH niy co kit ning tin hit mot phn ag 26 va lah s3— | CCC | LaKHylu, HDKD chm chim ntng Ive quant kong tt; teint » mit cn 4 vi chi tc dng in ki cc thay di vé mai reong in doaah, Dung vay cia ee KH nay o kh sig ton tht moe hin no abe vl CC | LaKH yéukém, HKD cim ching, king thye ign ding cic eam érvé ui ng: Deng vay ca ede Kc hing nay c6 Kha ing ton ht nt phn nae va I 3s- | c | Laxeidtyéu, kink doauh thun 18 vast ita ming phue hd Dirng 4“ ‘vay cin i KH thube lon ny c6 kh ning ta thit rt ca0 oat | D_ | Bay ede KH dsc bgt yu kém, kin doanh thun 1 Keo di va ‘Ka com kh ning kt phe. Dun vay ea cic KH nay thug lei ‘og com kh ning thu hi, mit vn ‘Nouba: So tay tia dane BIDV (Cie chi nh st chit chim diém va xép hang KE theo din ky (poy thude vao dmg tin dng cia KH tpi BIDY) trén co 58 BCTC nlm gn nit wa cic thing tn cip abit sist thu np dug lén quan dé boat dong sin suit kin doa cia KH. ‘Bing 2.18. So sin hg thng NHTD n@t bg gita 2 ng hang Gi vot KH cé nbn ‘Techcombank ‘Thu th9p va chim aiém | C&€thOwg ta cin thu | CA tng tn ch th thong tin e@ nhin | th bao gém: ‘hap bao gbm: Tabi i in oT [Nahé agiep “Thoi sian cong tie ‘Thai gian lam eng vide hign ta ‘Ti trang crt ‘Tin tang hon nbn, coc gia din ‘naw phi tude Taw ahi ct aha Thm nhap ca inom Che thong s smn a9 age van “ikon, tdn ‘Tinh trang ev tnt ‘Songudi in theo Co-ed gia din [Bio hiém niin van “Tint chit cong vie hig ‘Thoigian Lam eding vie hign iro nghé nehigp ‘Thu thap va chim aiém ‘thong tin quan hg vit + Quan be voi cae «b che tin dung Khe 4 Thu abip rong bn nngin hing dish hang thing + Tye idn pha rT nip # Quan ne v6i] 6 Tint minh no ede Techombank (quan | v4 Iai tg Kachin. tink] ¢ Ce dich yu sit dung dink ag, tn, tt ai) ‘Tinh tng aiém | Biém ng seduge inh | Biém cd nhin=Biém eho bing tang eae diém hoo ee Toade a ih made 46 his nn thin ° TY rong cho chi iu vé nn thin + Diém cho ci gu vé Aha ning ta ng * TY one ch chi gu v8 Kha ning 9 + Ty tong cho chi teu vb la dn: 409% + Ty tong cho chitgu ve Kd ning ta ng cone _Newdn: hom sin wen te hin ‘Bang 2.16, So sanh hg hong NHLTD ngl bg gia 2 nga hang dol vor KEL etiee 0 ‘Tew ot ‘Techcombank mp ‘Vé eich phan loging ane ‘Nef inh doanh chi cia Koh hing Ia nga sang li tén 50% dooal ‘hu tome 3 in Hen re Tring hop t chit hint ddoanh da nginb, kong co gah mo dant tha 0% th nginh kinh dosnt inh 14 nga 66 tdn sing phst ida at trong ‘wong a rong 6, host dong sin st inh doa cin 1 oat dng dem Li 5086 lal tha to en ton ‘ng doan thu hing nim is KH, “rong bug hop KH kink domah 6a ngéah none ‘hong 66 nga no e6 aah th chidm te nea 50% thi chi nhinh duo aquyén Iva chon nz 3 sid ning pt tri dt wong cde nganh mi KH eb oat ding 2 xép hang Vo eich xie dink quy mo doanh nghigp ie din da ten doanh tw thud, wba ch se, tag ti sin, doanh 6 tanh ton sit nip Kh, doaat, s)amua ban mgoai te ‘ic in dr ren guy mo ‘VCSH, qny m6 lo dona. doa thu thud, ng dig vay NIL Ione ao ng, ‘Véhom chitiéu thank | Kha ning honk ton agin | Kha ning than tin hign am 0 Ton Tan "Rha aiag han in nha ba ning then ton ahaa ‘ha ming than ton tie i ‘Vi uhm chi eu host an ‘Vong quay ing thn ho ‘Vong quay véa lon dong Higu qua st dng ti sin Yonsaquy ci oan pi ign sut dng ti san cb sin ‘Ve uhm chitieu cam ng No pi ri Ting No phi ri VCSH No gud hon! Téag dt a0 nein hing ‘Ting ng phi al Tong ta ‘No di han! Nouba vén chit sont ‘Ve abn chi ie th hap. “Tong thu hip tase thd Dean tha “Tong thu nip tse thud Tong ti sin es “Tong thu hp tse thud! vest Lov alin gop! Doan th ‘twin Loi agn te how dong ink dan Doan tha ‘twin Lov adn sau thd Vé clit si Loin so thud Tong ‘asin binh quin (Cot ntgn tne thud + Ct prin vayV Ci ph a vay si ‘Vi uhom cic ai hin phi (ech iu v8 chy vido Cie ohi iu v8 rink ‘vin Iy (Cac chi isu v8 quan he un tung (quan hin dung vot 18 cite in dng Khe, ‘quan in dng vi ‘Techeombank) Chi tien dnb gi mo tewng nh doanh cia 8 chit (Cc ohi bud gt how ong kh ‘hg ming tr ng rw hyn dn 18 “Trinh 9 quan i va msi {ming ni beta DN (Quan he vei ngin hing Cae nin bin ago (Cc dBe diém host dong cia KH ‘Ve ctch phn b8 6) trong cae chi ew ‘Ty wong ehitiew wi ein ‘Ty wong hi ew phi i hin ge pin 68 ne ‘Ty wong chi it Ty wong chi hah ge kin 66 nr + DNNha nude: 50 bi v6iBCTC A 50% Age kim wai: + DN es vin din 3866 - 65% de ng 40% bi v6iBCTC chea ore Avge kim tod: 2 © DN thie: 6 40 Oe (idm thning cho BETE 48

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