Các nhân tố ảnh hưởng đến khả năng sinh lợi của các Ngân hàng thương mại cổ phần tại Việt Nam - 12

YEAR

ROA

ROE

NIM

EQTA

LOTA

DETA

PRTO

NETA

NIGI

INDE

SIZE

FIXED

RGDP

INFL

ABBank

2007

0.94%

7.03%

1.96%

14.44%

39.93%

77.41%

0.84%

0.85%

23.05%

13.132

13.235

0.47%

-4.14%

12.60%

2008

0.37%

1.29%

2.33%

29.31%

48.46%

88.96%

1.24%

1.83%

19.59%

12.941

13.130

3.56%

-13.58%

19.89%

2009

1.18%

7.38%

2.76%

16.93%

48.58%

79.12%

1.11%

1.33%

17.72%

13.322

13.424

1.91%

-1.20%

6.52%

2010

1.31%

11.75%

3.66%

12.24%

52.66%

78.60%

1.06%

1.55%

10.07%

13.475

13.580

1.65%

-4.97%

11.75%

2011

0.74%

7.27%

4.44%

11.37%

48.44%

71.28%

1.59%

2.08%

-1.87%

13.471

13.618

1.72%

-12.69%

18.58%

2012

0.87%

9.45%

4.15%

10.65%

50.56%

70.71%

1.78%

13.13%

4.66%

13.512

13.663

1.75%

-1.78%

6.81%

2013

0.24%

2.68%

2.70%

9.97%

65.17%

64.51%

1.74%

12.94%

21.16%

13.570

13.761

1.50%

-0.62%

6.04%

ACB

2007

2.06%

66.92%

1.73%

7.33%

71.41%

72.93%

0.22%

0.94%

56.60%

13.743

13.931

1.42%

-4.14%

12.60%

2008

2.10%

34.78%

3.09%

7.38%

33.08%

70.38%

0.66%

1.51%

35.65%

13.808

14.022

1.38%

-13.58%

19.89%

2009

1.31%

28.17%

2.09%

6.02%

37.14%

58.00%

0.81%

1.08%

43.25%

13.944

14.225

0.52%

-1.20%

6.52%

2010

1.14%

24.89%

2.00%

5.55%

42.51%

65.85%

0.82%

1.05%

24.01%

14.030

14.312

1.04%

-4.97%

11.75%

2011

1.14%

34.21%

3.00%

4.26%

36.58%

62.96%

0.97%

1.12%

13.59%

14.155

14.449

1.00%

-12.69%

18.58%

2012

0.44%

8.00%

5.00%

7.16%

59.26%

76.31%

1.45%

2.42%

-17.75%

14.103

14.246

0.84%

-1.78%

6.81%

2013

0.50%

9.00%

2.86%

7.51%

65.53%

86.41%

1.78%

2.26%

22.35%

14.142

14.222

1.53%

-0.62%

6.04%

BacABank

2011

0.59%

5.06%

2.95%

11.68%

64.51%

87.39%

0.87%

13.32%

0.54%

13.352

13.411

0.72%

-12.69%

18.58%

2012

0.10%

1.15%

2.45%

9.33%

64.24%

86.06%

1.11%

13.48%

9.94%

13.463

13.528

0.56%

-1.78%

6.81%

2013

0.38%

6.39%

2.73%

6.58%

57.96%

84.31%

0.87%

13.47%

5.61%

13.627

13.702

0.52%

-0.62%

6.04%

BaoVietBank

2009

0.87%

4.04%

2.32%

21.50%

38.77%

71.85%

0.29%

1.10%

0.98%

12.718

12.862

0.65%

-1.20%

6.52%

2010

0.97%

8.04%

2.19%

12.01%

44.79%

75.17%

0.57%

1.09%

19.24%

13.013

13.137

0.59%

-4.97%

11.75%

2011

0.87%

6.92%

2.86%

12.64%

52.24%

80.17%

1.16%

1.81%

15.91%

13.025

13.121

0.64%

-12.69%

18.58%

2012

0.69%

2.89%

3.07%

23.74%

54.06%

67.01%

1.93%

1.88%

7.51%

12.949

13.123

0.51%

-1.78%

6.81%

2013

0.63%

3.53%

2.95%

17.87%

46.80%

79.72%

1.49%

1.65%

10.09%

12.935

13.225

0.26%

-0.62%

6.04%

BIDV

2007

0.75%

16.80%

2.50%

4.46%

76.27%

68.02%

4.10%

0.77%

30.53%

14.213

14.311

0.86%

-4.14%

12.60%

2008

0.80%

19.12%

2.63%

5.46%

76.03%

66.29%

2.30%

1.41%

25.47%

14.213

14.392

0.81%

-13.58%

19.89%

2009

0.95%

22.69%

2.44%

5.95%

79.49%

63.18%

2.41%

1.53%

31.31%

14.272

14.472

0.78%

-1.20%

6.52%

2010

1.03%

22.71%

2.60%

6.61%

81.68%

66.81%

1.81%

1.51%

19.99%

14.389

14.564

0.95%

-4.97%

11.75%

2011

0.79%

21.24%

3.22%

6.01%

84.42%

59.56%

1.80%

1.64%

18.01%

14.383

14.608

0.90%

-12.69%

18.58%

2012

0.68%

13.59%

2.87%

5.55%

75.83%

64.09%

1.68%

1.38%

20.34%

14.492

14.685

0.87%

-1.78%

6.81%

2013

0.74%

14.44%

2.67%

5.85%

73.81%

63.76%

1.57%

1.37%

27.38%

14.544

14.739

0.95%

-0.62%

6.04%

DAB

2007

3.61%

10.69%

5.13%

37.70%

83.53%

58.03%

0.31%

1.57%

27.74%

12.071

12.307

1.32%

-4.14%

12.60%

2008

1.55%

7.00%

3.73%

24.27%

59.61%

61.67%

0.41%

2.25%

23.93%

12.280

12.490

1.28%

-13.58%

19.89%

2009

0.30%

2.12%

2.39%

14.81%

60.04%

76.09%

0.20%

1.84%

2.72%

12.731

12.850

1.80%

-1.20%

6.52%

2010

0.83%

3.00%

2.08%

28.88%

52.26%

53.73%

0.81%

1.62%

38.43%

12.778

13.048

1.22%

-4.97%

11.75%

2011

1.68%

12.05%

4.23%

15.82%

31.51%

75.75%

0.98%

1.63%

2.02%

13.226

13.346

0.76%

-12.69%

18.58%

2012

1.07%

6.16%

4.52%

18.87%

59.81%

69.82%

2.24%

2.55%

12.90%

13.097

13.253

1.02%

-1.78%

6.81%

EAB

2007

1.21%

11.75%

2.13%

11.77%

65.67%

74.54%

0.35%

1.26%

39.86%

13.156

13.438

1.32%

-4.14%

12.60%

2008

1.55%

18.70%

3.00%

10.13%

73.66%

66.29%

1.04%

1.63%

40.38%

13.362

13.540

1.69%

-13.58%

19.89%

2009

1.38%

17.28%

2.97%

9.88%

81.58%

76.48%

0.99%

1.71%

33.47%

13.512

13.629

1.87%

-1.20%

6.52%

2010

1.18%

14.65%

2.97%

9.70%

68.79%

62.51%

1.16%

1.67%

28.79%

13.543

13.747

1.68%

-4.97%

11.75%

2011

1.44%

21.05%

5.07%

8.87%

67.13%

61.41%

1.50%

1.98%

13.36%

13.605

13.817

1.87%

-12.69%

18.58%

2012

1.07%

6.16%

4.52%

18.87%

59.81%

69.82%

2.24%

2.55%

12.90%

13.097

13.253

1.02%

-1.78%

6.81%

2013

0.44%

6.56%

3.47%

7.86%

74.01%

88.48%

1.62%

2.06%

12.13%

13.821

13.875

2.16%

-0.62%

6.04%

EximBank

2007

1.37%

8.00%

2.27%

18.67%

54.74%

71.55%

0.40%

1.05%

32.66%

13.382

13.528

1.64%

-4.14%

12.60%

2008

1.43%

5.68%

3.16%

25.86%

42.75%

65.02%

1.77%

1.21%

30.25%

13.509

13.696

1.72%

-13.58%

19.89%

2009

1.73%

9.04%

3.52%

20.40%

58.95%

59.23%

0.98%

1.39%

23.34%

13.588

13.816

1.43%

-1.20%

6.52%

2010

1.38%

14.49%

2.47%

10.30%

47.55%

68.29%

1.01%

0.78%

21.44%

13.952

14.118

0.81%

-4.97%

11.75%

2011

1.66%

24.26%

3.16%

8.88%

40.67%

65.02%

0.83%

1.04%

14.97%

14.077

14.264

1.04%

-12.69%

18.58%

2012

1.26%

17.07%

3.35%

9.29%

56.47%

60.54%

0.63%

1.35%

9.02%

14.013

14.231

1.95%

-1.78%

6.81%

2013

0.39%

5.26%

1.73%

8.64%

65.31%

67.73%

0.64%

1.25%

15.78%

14.061

14.230

2.54%

-0.62%

6.04%

GPBank

2007

0.87%

8.18%

3.32%

10.68%

40.96%

87.16%

0.20%

13.51%

13.39%

12.118

12.670

0.64%

-4.14%

12.60%

2008

0.66%

5.49%

-0.44%

12.17%

38.16%

85.34%

1.32%

13.57%

113.78%

12.848

12.917

2.23%

-13.58%

19.89%

2009

0.74%

6.45%

0.79%

12.30%

34.56%

81.26%

0.39%

13.35%

67.45%

13.148

13.239

1.40%

-1.20%

6.52%

2010

0.74%

6.82%

0.42%

11.38%

32.11%

56.55%

0.69%

13.46%

83.57%

13.195

13.443

0.60%

-4.97%

11.75%

2011

1.25%

8.00%

6.70%

15.58%

80.03%

64.06%

2.07%

13.63%

15.36%

13.038

13.284

1.35%

-12.69%

18.58%

2012

0.87%

8.18%

5.37%

10.68%

40.96%

87.16%

0.20%

0.51%

13.39%

13.091

12.670

0.64%

-1.78%

6.81%

2013

0.15%

1.27%

2.27%

12.06%

55.75%

84.30%

1.35%

1.99%

23.47%

13.142

13.396

0.84%

-0.62%

6.04%

HDBank

2007

0.88%

19.52%

1.69%

5.36%

64.48%

84.60%

0.40%

0.60%

21.86%

13.068

13.141

0.82%

-4.14%

12.60%

2008

0.63%

3.86%

1.30%

17.50%

64.61%

67.06%

0.65%

1.38%

46.74%

12.807

12.980

3.86%

-13.58%

19.89%

2009

1.02%

12.50%

1.38%

9.39%

43.03%

76.72%

0.77%

1.05%

52.36%

13.167

13.282

1.31%

-1.20%

6.52%

2010

0.78%

13.44%

1.83%

6.86%

34.10%

61.77%

0.72%

0.98%

26.48%

13.327

13.536

0.74%

-4.97%

11.75%

2011

0.95%

14.20%

3.71%

7.88%

30.76%

68.35%

1.02%

1.32%

-4.98%

13.488

13.653

0.73%

-12.69%

18.58%

2012

0.62%

6.52%

2.06%

10.22%

45.75%

71.60%

0.81%

1.51%

44.16%

13.577

13.722

0.59%

-1.78%

6.81%

2013

0.25%

2.68%

0.44%

9.40%

57.29%

78.72%

1.45%

1.17%

78.57%

13.796

13.936

0.68%

-0.62%

6.04%

KienLongBank

2007

2.45%

9.29%

5.28%

29.01%

61.42%

63.73%

0.54%

1.45%

0.95%

12.147

12.343

1.05%

-4.14%

12.60%

2008

1.27%

3.73%

4.72%

35.63%

74.70%

60.85%

0.53%

2.77%

7.63%

12.252

12.468

1.55%

-13.58%

19.89%

2009

1.22%

9.16%

3.51%

14.93%

65.18%

83.12%

0.59%

1.59%

4.50%

12.794

12.874

0.69%

-1.20%

6.52%

2010

1.56%

6.52%

4.45%

25.64%

46.98%

63.50%

0.88%

1.44%

-5.21%

12.902

13.100

3.07%

-4.97%

11.75%

2011

2.21%

13.15%

5.31%

19.36%

46.98%

72.30%

1.13%

1.99%

4.14%

13.111

13.252

2.43%

-12.69%

18.58%

2012

1.89%

11.84%

6.32%

18.54%

50.77%

82.93%

1.39%

3.06%

2.73%

13.188

13.269

3.09%

-1.78%

6.81%

2013

1.47%

10.57%

5.32%

16.26%

55.51%

68.50%

0.89%

2.75%

2.73%

13.166

13.330

3.10%

-0.62%

6.04%

LienVietPostBank

2008

5.95%

13.44%

6.65%

46.24%

35.88%

51.00%

0.19%

2.03%

26.46%

12.580

12.872

1.53%

-13.58%

19.89%

2009

3.11%

14.80%

4.28%

22.04%

34.45%

42.05%

0.53%

1.85%

26.29%

12.863

13.240

0.92%

-1.20%

6.52%

2010

1.95%

18.39%

3.86%

11.74%

28.91%

35.20%

0.79%

1.46%

7.77%

13.090

13.544

1.02%

-4.97%

11.75%

2011

1.74%

16.09%

4.05%

11.75%

22.73%

75.89%

0.92%

1.67%

2.06%

13.629

13.749

1.07%

-12.69%

18.58%

2012

1.31%

13.31%

4.30%

11.13%

44.16%

76.02%

1.38%

1.56%

-6.17%

13.703

13.822

1.13%

-1.78%

6.81%

2013

0.71%

8.68%

3.24%

9.14%

38.68%

87.46%

1.93%

1.50%

-6.16%

13.843

13.901

1.02%

-0.62%

6.04%

MBB

2007

1.66%

17.49%

2.30%

11.75%

38.71%

75.52%

1.25%

0.38%

25.71%

13.350

13.472

0.79%

-4.14%

12.60%

2008

1.32%

14.84%

3.48%

9.98%

35.49%

80.49%

1.57%

1.25%

20.01%

13.553

13.647

1.46%

-13.58%

19.89%

2009

1.70%

19.01%

2.84%

9.98%

42.88%

73.34%

1.51%

1.14%

30.73%

13.704

13.839

0.97%

-1.20%

6.52%

2010

1.59%

23.10%

3.49%

8.10%

44.51%

75.40%

1.51%

1.14%

13.92%

13.917

14.040

1.21%

-4.97%

11.75%

2011

1.38%

25.38%

4.09%

6.95%

42.53%

64.50%

1.85%

1.35%

-1.46%

13.952

14.142

1.12%

-12.69%

18.58%

2012

1.32%

22.48%

3.97%

7.33%

56.51%

84.43%

1.49%

1.54%

15.50%

14.171

14.245

0.85%

-1.78%

6.81%

2013

1.26%

19.65%

3.64%

8.39%

48.63%

75.43%

2.21%

1.50%

19.57%

14.134

14.256

1.02%

-0.62%

6.04%

MDBank

2007

3.22%

10.13%

6.02%

35.18%

80.30%

60.53%

0.48%

1.01%

0.37%

11.979

12.197

1.29%

-4.14%

12.60%

2008

3.34%

13.30%

6.85%

26.34%

67.54%

70.97%

0.74%

1.48%

-7.04%

12.149

12.298

1.40%

-13.58%

19.89%

2009

3.95%

9.97%

6.99%

41.17%

94.42%

33.38%

0.91%

1.85%

3.85%

11.926

12.402

1.27%

-1.20%

6.52%

2010

0.94%

4.33%

2.35%

22.14%

15.61%

76.40%

0.92%

0.43%

1.20%

13.120

13.237

0.30%

-4.97%

11.75%

2011

3.72%

10.15%

8.29%

37.91%

31.11%

59.49%

1.17%

2.66%

-2.70%

12.785

13.010

1.45%

-12.69%

18.58%

2012

1.34%

3.07%

8.64%

46.38%

58.46%

30.05%

1.55%

4.98%

-1.86%

12.412

12.934

2.55%

-1.78%

6.81%

2013

0.99%

1.69%

10.39%

61.41%

67.72%

30.63%

1.16%

6.92%

-8.95%

12.295

12.809

2.89%

-0.62%

6.04%

MHB

2007

0.51%

17.32%

2.63%

3.88%

65.54%

65.05%

0.93%

1.51%

8.05%

13.253

13.440

0.84%

-4.14%

12.60%

2008

0.15%

6.36%

1.63%

3.18%

45.82%

76.18%

1.02%

1.39%

21.09%

13.428

13.546

0.79%

-13.58%

19.89%

2009

0.14%

6.88%

1.73%

2.91%

50.22%

72.94%

1.07%

1.55%

18.69%

13.466

13.603

0.80%

-1.20%

6.52%

2010

0.16%

2.66%

1.93%

6.28%

44.19%

69.80%

1.20%

1.53%

7.75%

13.553

13.709

1.24%

-4.97%

11.75%

2011

0.18%

2.71%

2.37%

6.74%

48.55%

75.86%

1.24%

1.98%

7.91%

13.555

13.675

2.30%

-12.69%

18.58%

2012

0.82%

10.09%

4.36%

8.16%

64.90%

60.81%

1.79%

3.19%

2.02%

13.364

13.580

2.98%

-1.78%

6.81%

MSB

2007

0.98%

10.28%

2.06%

10.72%

37.16%

86.46%

0.54%

0.79%

18.84%

13.182

13.245

0.59%

-4.14%

12.60%

2008

0.97%

18.84%

2.31%

5.74%

34.97%

88.01%

0.76%

0.95%

11.46%

13.458

13.514

0.67%

-13.58%

19.89%

2009

1.21%

24.30%

2.09%

5.56%

43.75%

80.67%

0.68%

0.80%

23.68%

13.712

13.805

0.40%

-1.20%

6.52%

2010

1.00%

20.93%

2.10%

5.49%

27.69%

70.86%

1.00%

0.80%

25.59%

13.912

14.062

0.53%

-4.97%

11.75%

2011

0.70%

9.49%

1.53%

8.31%

33.26%

72.26%

0.97%

1.10%

35.44%

13.917

14.058

0.63%

-12.69%

18.58%

2012

0.21%

2.71%

2.16%

8.27%

36.41%

70.23%

2.01%

1.69%

23.27%

13.888

14.041

0.82%

-1.78%

6.81%

2013

0.31%

3.95%

1.87%

8.79%

43.87%

61.14%

1.95%

1.58%

33.19%

13.816

14.030

0.79%

-0.62%

6.04%

NamABank

2007

1.43%

13.04%

3.26%

12.72%

51.34%

53.47%

0.30%

1.54%

23.50%

12.447

12.719

1.49%

-4.14%

12.60%

2008

0.16%

0.78%

2.07%

21.88%

63.65%

75.93%

0.53%

2.00%

29.99%

12.651

12.770

7.10%

-13.58%

19.89%

2009

0.51%

4.49%

2.12%

12.22%

45.83%

72.28%

0.51%

1.18%

7.93%

12.898

13.039

3.91%

-1.20%

6.52%

2010

0.96%

6.93%

2.37%

14.99%

36.54%

66.70%

1.03%

1.18%

34.35%

12.986

13.162

3.62%

-4.97%

11.75%

2011

1.26%

8.01%

2.77%

17.34%

32.80%

63.04%

0.84%

1.30%

36.60%

13.079

13.280

4.35%

-12.69%

18.58%

2012

1.13%

6.02%

3.56%

20.47%

48.54%

58.36%

0.99%

1.97%

29.76%

12.970

13.204

5.19%

-1.78%

6.81%

2013

0.47%

4.49%

1.56%

11.32%

46.58%

63.95%

0.67%

1.45%

40.69%

13.265

13.459

3.26%

-0.62%

6.04%

NaViBank

2007

0.75%

14.95%

0.82%

5.85%

44.06%

29.14%

0.14%

1.07%

64.65%

12.460

12.996

0.60%

-4.14%

12.60%

2008

0.52%

5.71%

2.12%

9.87%

50.20%

86.42%

0.40%

1.65%

21.56%

12.974

13.038

1.00%

-13.58%

19.89%

2009

0.76%

14.24%

1.63%

6.24%

53.30%

79.28%

0.96%

1.08%

39.26%

13.171

13.272

0.58%

-1.20%

6.52%

2010

0.78%

8.62%

2.83%

10.10%

53.79%

80.08%

1.19%

1.37%

6.87%

13.205

13.301

0.53%

-4.97%

11.75%

2011

0.74%

5.58%

3.94%

14.30%

57.41%

81.34%

1.23%

1.75%

-7.91%

13.262

13.352

0.62%

-12.69%

18.58%

2012

0.01%

0.08%

4.29%

14.75%

61.21%

56.87%

1.67%

3.01%

1.41%

13.089

13.334

0.76%

-1.78%

6.81%

2013

0.08%

0.80%

2.56%

11.02%

48.50%

76.97%

1.52%

2.11%

10.58%

13.350

13.464

3.59%

-0.62%

6.04%

OCB

2007

1.43%

11.58%

3.32%

14.08%

64.29%

83.39%

0.56%

1.32%

10.81%

12.991

13.070

2.08%

-4.14%

12.60%

2008

0.64%

4.41%

2.81%

15.76%

86.04%

81.50%

0.80%

2.05%

19.69%

12.915

13.004

2.42%

-13.58%

19.89%

2009

1.63%

9.98%

4.06%

18.37%

80.89%

71.57%

1.04%

1.78%

11.56%

12.958

13.103

2.05%

-1.20%

6.52%

2010

1.55%

11.02%

3.58%

15.95%

58.84%

66.24%

0.90%

1.43%

10.48%

13.115

13.294

1.60%

-4.97%

11.75%

2011

1.19%

9.47%

4.06%

14.75%

54.45%

64.82%

1.26%

1.67%

0.34%

13.217

13.405

1.50%

-12.69%

18.58%

2012

0.84%

6.90%

4.73%

13.93%

67.48%

60.76%

1.74%

1.86%

-11.13%

13.222

13.438

1.47%

-1.78%

6.81%

2013

0.74%

7.45%

4.13%

12.09%

62.14%

80.33%

1.02%

1.86%

-2.28%

13.421

13.516

1.40%

-0.62%

6.04%

OceanBank

2007

0.71%

9.60%

1.28%

7.42%

35.55%

45.50%

0.15%

2.45%

10.03%

12.384

13.136

0.10%

-4.14%

12.60%

2008

0.32%

4.46%

5.03%

7.65%

42.14%

69.19%

0.19%

0.65%

59.04%

12.807

13.149

0.33%

-13.58%

19.89%

2009

0.67%

11.36%

2.51%

6.67%

40.21%

45.50%

0.37%

0.58%

17.52%

13.369

13.529

0.57%

-1.20%

6.52%

2010

0.94%

14.86%

3.38%

7.41%

31.98%

69.19%

1.04%

0.66%

-3.53%

13.627

13.741

0.24%

-4.97%

11.75%

2011

0.78%

12.19%

2.88%

7.41%

30.63%

76.78%

1.21%

0.98%

-2.94%

13.586

13.797

0.37%

-12.69%

18.58%

2012

0.38%

6.08%

2.71%

6.96%

42.95%

61.61%

2.48%

1.08%

-10.05%

13.636

13.809

0.36%

-1.78%

6.81%

2013

0.28%

4.71%

2.27%

6.49%

60.18%

67.08%

2.51%

1.07%

3.49%

13.715

13.827

0.33%

-0.62%

6.04%

PGBank

2007

0.87%

8.18%

1.79%

10.68%

40.96%

85.00%

0.18%

0.51%

13.39%

12.118

12.670

0.64%

-4.14%

12.60%

2008

1.06%

6.55%

2.50%

16.59%

38.25%

78.97%

0.75%

1.65%

33.93%

12.689

12.791

1.01%

-13.58%

19.89%

2009

1.68%

17.50%

3.04%

10.50%

60.81%

85.05%

0.74%

1.52%

31.85%

12.948

13.018

0.88%

-1.20%

6.52%

2010

1.34%

10.94%

3.52%

13.27%

66.47%

85.07%

0.97%

1.73%

22.21%

13.144

13.214

0.92%

-4.97%

11.75%

2011

2.54%

22.31%

6.71%

14.74%

68.89%

62.14%

1.52%

2.58%

6.28%

13.038

13.245

1.52%

-12.69%

18.58%

2012

1.25%

8.00%

5.28%

16.59%

80.03%

64.06%

2.07%

2.89%

15.36%

13.091

13.284

1.35%

-1.78%

6.81%

2013

0.15%

1.27%

2.27%

12.90%

55.74%

84.30%

1.35%

1.99%

23.47%

13.322

13.396

0.84%

-0.62%

6.04%

Sacombank

2007

2.16%

24.69%

2.01%

11.38%

54.79%

74.81%

0.50%

1.15%

52.82%

13.684

13.810

2.05%

-4.14%

12.60%

2008

1.40%

15.97%

2.09%

11.34%

51.20%

68.87%

0.72%

1.86%

53.27%

13.673

13.835

3.49%

-13.58%

19.89%

2009

1.61%

20.68%

2.61%

10.14%

57.59%

59.10%

0.86%

1.58%

43.78%

13.789

14.017

3.27%

-1.20%

6.52%

2010

1.25%

17.38%

2.96%

9.20%

54.21%

59.69%

0.99%

1.43%

23.05%

13.959

14.183

2.81%

-4.97%

11.75%

2011

1.41%

18.21%

4.96%

10.28%

63.73%

53.08%

0.90%

2.54%

13.51%

13.876

14.151

2.62%

-12.69%

18.58%

2012

0.66%

9.19%

4.98%

9.01%

66.38%

73.01%

1.47%

2.73%

5.20%

14.046

14.182

3.43%

-1.78%

6.81%

2013

1.38%

17.70%

4.59%

10.57%

70.07%

83.56%

1.21%

2.61%

12.81%

14.130

14.208

3.29%

-0.62%

6.04%

SaiGonBank

2007

1.67%

15.38%

3.73%

14.06%

72.43%

82.60%

0.85%

1.19%

11.55%

12.925

13.008

2.32%

-4.14%

12.60%

2008

1.44%

14.54%

3.02%

13.12%

70.68%

80.83%

0.91%

1.55%

27.04%

12.957

13.049

2.96%

-13.58%

19.89%

2009

1.77%

14.00%

4.71%

16.29%

81.88%

75.49%

1.25%

1.87%

12.34%

12.953

13.075

4.15%

-1.20%

6.52%

2010

4.73%

32.31%

3.90%

20.97%

62.19%

68.76%

1.40%

1.64%

52.72%

13.063

13.226

3.33%

-4.97%

11.75%

2011

1.98%

10.27%

6.00%

21.51%

72.78%

68.82%

2.12%

2.08%

8.82%

13.024

13.187

5.26%

-12.69%

18.58%

2012

2.00%

9.65%

7.28%

23.83%

73.13%

73.53%

1.01%

2.58%

8.09%

13.038

13.172

5.93%

-1.78%

6.81%

2013

1.18%

5.61%

5.21%

23.84%

72.66%

73.70%

0.95%

2.59%

10.34%

13.034

13.167

5.80%

-0.62%

6.04%

SCB

2007

1.79%

19.51%

1.86%

10.14%

75.08%

61.56%

0.41%

0.42%

35.60%

13.203

13.414

1.25%

-4.14%

12.60%

2008

1.20%

18.86%

3.11%

7.28%

60.31%

79.66%

0.76%

1.21%

17.07%

13.488

13.587

1.48%

-13.58%

19.89%

2009

0.58%

7.91%

1.84%

8.41%

57.46%

74.60%

1.09%

0.84%

21.92%

13.609

13.736

1.25%

-1.20%

6.52%

2010

0.46%

6.63%

1.02%

7.83%

55.13%

74.23%

2.32%

0.98%

69.61%

13.650

13.779

1.52%

-4.97%

11.75%

2011

0.51%

9.58%

2.69%

7.83%

45.62%

40.49%

2.50%

1.44%

3.86%

13.952

14.161

1.52%

-12.69%

18.58%

2012

0.04%

0.60%

3.06%

7.62%

59.94%

63.38%

1.11%

1.58%

3.47%

13.976

14.174

1.74%

-1.78%

6.81%

2013

0.02%

0.35%

1.60%

6.80%

53.98%

89.43%

1.28%

1.00%

22.42%

14.168

14.258

1.64%

-0.62%

6.04%

SeaBank

2007

1.14%

9.81%

1.89%

12.82%

42.08%

40.95%

0.42%

0.40%

15.08%

13.031

13.419

0.25%

-4.14%

12.60%

2008

0.78%

4.25%

3.20%

18.09%

34.07%

75.13%

1.04%

0.89%

-37.13%

13.223

13.348

0.53%

-13.58%

19.89%

2009

1.50%

9.07%

2.55%

17.91%

31.46%

80.54%

1.67%

0.87%

23.98%

13.392

13.486

0.64%

-1.20%

6.52%

2010

1.14%

11.79%

2.18%

10.40%

37.13%

71.84%

1.63%

0.81%

21.89%

13.599

13.742

0.37%

-4.97%

11.75%

2011

0.12%

2.36%

0.90%

5.48%

19.82%

80.73%

1.64%

0.58%

-4.45%

13.912

14.005

0.32%

-12.69%

18.58%

2012

0.07%

0.99%

1.71%

7.44%

27.04%

78.26%

2.29%

1.26%

0.87%

13.769

13.875

0.41%

-1.78%

6.81%

2013

0.19%

2.78%

1.20%

7.17%

49.53%

57.11%

1.28%

1.00%

19.79%

13.659

13.902

0.36%

-0.62%

6.04%

SHB

2007

1.03%

6.34%

0.88%

17.61%

33.83%

57.34%

0.19%

6.90%

11.33%

12.851

13.092

2.78%

-4.14%

12.60%

2008

1.35%

9.52%

1.36%

15.76%

43.48%

81.66%

0.41%

1.34%

66.51%

13.070

13.158

5.73%

-13.58%

19.89%

2009

1.16%

15.58%

2.57%

8.80%

46.70%

89.61%

0.99%

1.24%

25.18%

13.391

13.439

3.11%

-1.20%

6.52%

2010

0.97%

13.80%

2.68%

8.21%

48.06%

76.08%

1.12%

1.33%

18.10%

13.590

13.709

2.98%

-4.97%

11.75%

2011

1.06%

15.34%

3.00%

8.21%

41.08%

71.41%

1.22%

1.59%

14.85%

13.705

13.851

3.18%

-12.69%

18.58%

2012

1.45%

18.83%

1.83%

8.16%

56.49%

79.89%

1.94%

1.44%

36.19%

13.969

14.066

3.54%

-1.78%

6.81%

2013

0.59%

9.48%

1.65%

7.18%

62.02%

71.60%

1.58%

1.29%

11.15%

14.012

14.158

2.89%

-0.62%

6.04%

SouthernBank

2007

1.11%

9.89%

2.06%

12.65%

34.29%

85.16%

0.78%

1.05%

38.79%

13.164

13.234

1.50%

-4.14%

12.60%

2008

0.56%

5.32%

1.54%

11.48%

45.95%

75.66%

0.64%

1.27%

49.01%

13.196

13.317

2.89%

-13.58%

19.89%

2009

0.70%

9.47%

1.38%

8.28%

55.78%

72.56%

1.00%

0.82%

45.76%

13.411

13.550

2.20%

-1.20%

6.52%

2010

0.70%

13.73%

0.59%

5.93%

51.91%

77.03%

0.90%

0.68%

70.76%

13.667

13.780

1.81%

-4.97%

11.75%

2011

0.32%

6.93%

0.35%

5.74%

50.49%

64.93%

1.36%

0.94%

85.47%

13.657

13.845

1.86%

-12.69%

18.58%

2012

0.16%

2.98%

-0.58%

5.76%

58.00%

77.23%

2.08%

0.94%

121.87%

13.764

13.877

1.86%

-1.78%

6.81%

2013

0.02%

0.44%

0.53%

5.21%

55.87%

92.82%

2.63%

0.95%

76.67%

13.823

13.890

2.22%

-0.62%

6.04%

Techcombank

2007

1.29%

17.02%

2.44%

7.58%

50.47%

83.29%

0.40%

0.61%

10.50%

13.518

13.597

2.73%

-4.14%

12.60%

2008

2.00%

25.14%

3.92%

9.52%

44.57%

80.90%

1.23%

2.00%

43.89%

13.680

13.772

0.95%

-13.58%

19.89%

2009

1.84%

31.48%

2.94%

7.91%

45.88%

75.67%

1.23%

1.71%

36.20%

13.845

13.967

0.76%

-1.20%

6.52%

2010

1.38%

29.90%

2.37%

6.25%

35.22%

68.37%

1.15%

1.40%

32.52%

14.012

14.177

0.67%

-4.97%

11.75%

2011

1.75%

35.89%

3.31%

6.93%

35.15%

70.26%

1.40%

1.82%

20.47%

14.103

14.257

0.66%

-12.69%

18.58%

2012

0.43%

8.65%

3.34%

7.39%

43.60%

61.95%

1.51%

1.83%

11.21%

14.047

14.255

0.64%

-1.78%

6.81%

2013

0.41%

7.42%

3.11%

8.76%

46.49%

78.38%

1.65%

2.11%

23.23%

14.095

14.201

0.65%

-0.62%

6.04%

TienPhongBank

2008

2.09%

5.05%

5.62%

42.20%

11.39%

56.56%

0.06%

2.18%

-3.99%

12.136

12.384

2.42%

-13.58%

19.89%

2009

1.19%

8.61%

2.29%

15.27%

29.76%

74.40%

0.66%

1.15%

29.85%

12.902

13.031

0.99%

-1.20%

6.52%

2010

0.77%

5.39%

1.36%

15.31%

25.01%

70.67%

1.32%

0.94%

53.66%

13.169

13.320

0.54%

-4.97%

11.75%

2011

0.78%

5.40%

1.36%

14.36%

25.01%

70.67%

1.32%

0.94%

53.59%

12.879

13.320

0.54%

-12.69%

18.58%

2012

0.77%

2.11%

1.75%

36.38%

43.58%

61.54%

4.77%

2.16%

46.50%

12.967

13.180

0.46%

-1.78%

6.81%

2013

1.19%

8.42%

1.97%

14.11%

41.31%

65.48%

2.27%

1.32%

32.82%

13.156

13.506

0.21%

-0.62%

6.04%

Viet Capital Bank

2007

3.16%

9.35%

2.84%

33.82%

51.62%

32.57%

0.20%

0.98%

55.44%

11.620

12.309

1.16%

-4.14%

12.60%

2008

0.15%

0.48%

3.49%

31.48%

38.71%

67.64%

0.26%

1.66%

-55.16%

12.355

12.525

3.28%

-13.58%

19.89%

2009

1.64%

5.27%

4.68%

33.24%

70.72%

52.32%

0.76%

2.17%

17.20%

12.241

12.522

3.84%

-1.20%

6.52%

2010

0.69%

2.83%

2.41%

25.27%

44.53%

62.28%

1.00%

1.32%

5.69%

12.709

12.915

1.51%

-4.97%

11.75%

2011

1.59%

9.00%

2.79%

19.45%

25.81%

51.87%

1.07%

1.23%

27.07%

12.945

13.230

1.02%

-12.69%

18.58%

2012

0.99%

6.81%

2.51%

15.80%

53.36%

65.82%

0.75%

1.71%

29.70%

13.134

13.315

0.97%

-1.78%

6.81%

2013

0.45%

3.43%

2.30%

13.01%

51.98%

71.70%

1.13%

1.75%

19.73%

13.081

13.363

1.74%

-0.62%

6.04%

VietABank

2007

1.55%

12.62%

2.10%

12.27%

60.88%

82.71%

0.37%

1.02%

43.78%

12.661

12.976

1.01%

-4.14%

12.60%

2008

0.70%

5.28%

2.29%

14.02%

64.54%

83.05%

0.89%

1.51%

30.10%

12.931

13.012

1.45%

-13.58%

19.89%

2009

1.33%

13.80%

2.65%

10.84%

76.18%

71.71%

1.01%

1.35%

36.52%

13.055

13.199

1.84%

-1.20%

6.52%

2010

1.11%

8.75%

2.71%

14.10%

55.19%

64.71%

1.50%

1.27%

27.26%

13.193

13.382

1.46%

-4.97%

11.75%

2011

1.10%

7.74%

2.90%

15.88%

51.43%

55.02%

1.64%

1.47%

24.16%

13.093

13.352

1.51%

-12.69%

18.58%

2012

0.67%

5.12%

1.96%

14.36%

52.38%

66.49%

1.53%

1.29%

40.93%

13.214

13.391

1.37%

-1.78%

6.81%

2013

0.22%

1.87%

2.10%

11.86%

53.23%

69.63%

1.34%

1.27%

-3.86%

13.275

13.432

0.83%

-0.62%

6.04%

VietComBank

2007

1.22%

42.32%

2.14%

6.86%

49.41%

80.81%

2.17%

0.82%

28.86%

14.203

14.295

0.56%

-4.14%

12.60%

2008

1.17%

20.48%

3.07%

6.53%

51.25%

80.34%

3.68%

1.17%

25.61%

14.251

14.347

0.61%

-13.58%

19.89%

2009

1.54%

32.48%

2.63%

6.54%

55.81%

78.69%

3.25%

1.37%

30.02%

14.303

14.407

0.59%

-1.20%

6.52%

2010

1.38%

29.71%

2.75%

6.72%

57.55%

84.13%

3.22%

1.48%

28.95%

14.413

14.488

0.52%

-4.97%

11.75%

2011

1.15%

20.34%

3.49%

7.81%

66.16%

68.10%

2.20%

1.55%

16.47%

14.397

14.564

0.71%

-12.69%

18.58%

2012

1.07%

13.66%

2.72%

10.03%

59.47%

72.71%

2.19%

1.45%

27.50%

14.479

14.617

0.88%

-1.78%

6.81%

2013

0.93%

13.48%

2.38%

9.04%

60.19%

77.49%

2.31%

1.32%

30.38%

14.560

14.671

0.87%

-0.62%

6.04%

VietinBank

2007

0.69%

14.42%

2.90%

6.41%

61.52%

71.11%

1.67%

1.67%

29.56%

14.072

14.220

0.92%

-4.14%

12.60%

2008

0.93%

22.25%

3.85%

6.37%

62.38%

67.39%

1.78%

2.56%

17.31%

14.115

14.287

1.38%

-13.58%

19.89%

2009

1.18%

25.34%

3.42%

5.16%

66.93%

64.95%

0.95%

2.22%

18.06%

14.200

14.387

1.75%

-1.20%

6.52%

2010

0.93%

22.37%

3.43%

4.94%

64.86%

63.12%

1.17%

1.96%

18.42%

14.366

14.566

1.32%

-4.97%

11.75%

2011

1.36%

28.23%

4.56%

6.19%

64.47%

68.49%

1.03%

1.97%

10.40%

14.499

14.663

0.81%

-12.69%

18.58%

2012

1.23%

23.53%

3.86%

6.68%

73.44%

61.38%

1.04%

1.87%

16.13%

14.490

14.702

1.05%

-1.78%

6.81%

2013

1.01%

12.57%

3.36%

9.38%

67.66%

68.77%

0.87%

1.72%

16.10%

14.598

14.761

1.23%

-0.62%

6.04%

VNCB

2007

2.03%

4.20%

5.13%

50.57%

72.75%

43.17%

0.06%

1.74%

4.74%

11.693

12.058

10.93%

-4.14%

12.60%

2008

0.69%

3.76%

2.66%

19.48%

54.32%

78.12%

0.13%

1.45%

8.14%

12.369

12.476

5.07%

-13.58%

19.89%

2009

0.54%

3.04%

1.41%

18.27%

61.14%

69.22%

0.49%

1.24%

51.87%

12.771

12.931

5.42%

-1.20%

6.52%

2010

1.19%

7.86%

2.72%

16.47%

50.86%

71.37%

0.75%

1.00%

17.06%

13.149

13.296

6.15%

-4.97%

11.75%

2011

0.60%

5.46%

2.33%

11.87%

43.98%

69.76%

1.01%

1.15%

18.42%

13.277

13.433

5.19%

-12.69%

18.58%

VPBank

2007

1.25%

11.23%

2.73%

11.13%

73.46%

85.17%

0.21%

1.77%

29.36%

13.106

13.259

1.49%

-4.14%

12.60%

2008

0.77%

6.22%

3.83%

12.88%

69.43%

85.29%

0.56%

2.42%

6.83%

13.153

13.269

1.90%

-13.58%

19.89%

2009

1.39%

16.70%

2.94%

9.25%

57.41%

87.01%

0.82%

1.73%

16.02%

13.380

13.440

1.18%

-1.20%

6.52%

2010

0.84%

10.90%

2.11%

8.70%

42.34%

40.08%

0.91%

0.91%

17.70%

13.380

13.777

0.59%

-4.97%

11.75%

2011

0.97%

15.83%

2.78%

7.24%

35.72%

66.41%

1.06%

1.57%

18.69%

13.740

13.918

0.45%

-12.69%

18.58%

2012

0.63%

11.15%

3.34%

6.47%

45.24%

73.17%

0.94%

1.83%

5.31%

13.875

14.011

0.42%

-1.78%

6.81%

2013

0.84%

17.63%

3.93%

6.37%

50.53%

75.81%

1.09%

2.34%

19.77%

13.963

14.084

0.35%

-0.62%

6.04%