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



PHỤ LỤC 04

THU NHẬP LÃI CÁC NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN VIỆT NAM

ĐVT: tỷ đồng


Ngân hàng

2007

2008

2009

2010

2011

2012

BIDV

4,857

6,236

6,974

9,191

12,639

13,332

VCB

4,005

3,695

6,499

8,188

12,422

10,954

VIETINBANK

4,683

7,055

4,451

12,089

20,048

18,420

STB

1,152

1,147

2,303

3,891

5,842

6,497

ACB

1,311

2,728

2,801

4,164

6,608

6,871

TECHCOM

925

1,761

2,500

3,184

5,298

5,116

VPB

466

652

773

1,077

2,045

2,967

EXIM

685

1,320

1,975

2,883

5,304

4,902

MSB

354

726

1,279

1,920

1,557

2,010

MB

633

1,421

1,838

3,519

5,222

6,603

LIENVIET

0

441

657

1,224

2,058

2,454

SEABANK

469

646

722

1,124

850

1,158

VIB

709

819

1,137

2,095

3,734

2,989

HDB

211

114

235

522

1,309

850

MHB

597

441

603

936

1,036

1,492

DAB

511

844

1,107

1,374

2,467

2,494

ABB

324

271

690

1,209

1,872

1,717

OCEAN

150

65

449

1,241

1,595

1,620

PNB

282

218

408

312

169

-286

OCB

364

260

474

630

898

1,185

KLB

108

126

245

499

877

1,078

PGB

73

139

295

517

1,096

981

BANVIET

55

100

132

191

422

469

VAB

174

199

350

522

496

317

WES

12

163

164

199

413

352

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


MDB

90

131

172

285

802

707

BVB

0

0

164

288

367

397

TRUST

50

68

98

455

488

0

DAIA

97

105

155

215

878

754

SAIGONBANK

361

311

511

574

842

967

NAVI

76

212

287

490

739

732

NAMA

146

101

203

263

474

448


PHỤ LỤC 05

THU NHẬP NGOÀI LÃI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM

ĐVT: tỷ đồng


Ngân hàng

2007

2008

2009

2010

2011

2012

BIDV

2,955

2,134

3,180

2,296

2,776

3,404

VCB

1,716

1,800

2,788

3,336

2,449

4,154

VIETINBANK

1,965

1,490

978

2,770

2,326

3,542

STB

1,290

1,307

1,793

1,166

913

356

ACB

1,710

1,511

2,135

1,326

1,039

-1,036

TECHCOM

291

1,377

1,418

1,535

1,364

646

VPB

194

43

148

232

470

166

EXIM

332

572

601

787

934

486

MSB

82

77

367

660

855

610

MB

421

217

815

570

-75

1,211

LIENVIET

0

159

234

103

43

-143

SEABANK

83

-175

228

315

-36

10

VIB

175

91

452

440

-215

272

HDB

59

100

258

188

-62

672

MHB

31

92

134

79

89

31

DAB

342

635

557

567

380

289

ABB

97

66

151

135

-34

84

OCEAN

39

94

89

-42

-149

-148


PNB

179

209

344

754

991

1,592

OCB

44

64

62

72

6

-119

KLB

1

10

12

-25

38

30

PGB

11

71

138

148

73

178

BANVIET

68

-37

27

12

157

198

VAB

135

86

201

199

158

220

WES

44

23

80

27

42

51

MDB

0.34

-8.5

7

4

-17

-13

BVB

0

0

2

69

70

32

TRUST

2.5

6

106

94

99

0

DAIA

37

33

4

134

9

112

SAIGONBANK

47

115

70

648

82

85

NAVI

139

58

186

36

-54

11

NAMA

52

43

18

137

114

190


PHỤ LỤC 06

TỔNG HỢP CHỈ SỐ VỐN CHỦ SỞ HỮU/ TỔNG TÀI SẢN


Ngân hàng

2007

2008

2009

2010

2011

2012

BIDV

5.69%

5.47%

5.95%

6.61%

6.01%

5.55%

VCB

6.85%

6.21%

6.54%

6.72%

7.81%

10.03%

VIETINBANK

6.41%

6.19%

5.16%

4.95%

6.19%

6.68%

STB

11.38%

11.34%

10.14%

9.20%

10.28%

9.01%

ACB

7.33%

7.38%

6.02%

5.55%

4.26%

7.16%

TECHCOM

9.04%

9.52%

7.91%

6.25%

6.93%

7.39%

VPB

12.02%

12.62%

9.25%

8.70%

7.24%

6.47%

EXIM

18.67%

26.62%

20.40%

10.31%

8.88%

9.29%

MSB

10.72%

5.74%

5.56%

5.49%

8.31%

8.27%

MB

11.75%

9.98%

9.98%

8.10%

6.95%

7.33%

LIENVIET

0.00%

46.25%

22.04%

11.74%

11.75%

11.13%


SEABANK

12.82%

18.09%

17.92%

10.40%

5.48%

7.44%

VIB

5.55%

6.60%

5.20%

7.03%

8.42%

12.88%

HDB

5.36%

17.50%

9.39%

6.86%

7.88%

10.22%

MHB

3.93%

3.12%

2.96%

6.28%

6.74%

9.06%

DAB

11.80%

10.13%

9.82%

9.70%

8.98%

8.81%

ABB

14.44%

29.31%

16.93%

12.24%

11.37%

10.65%

OCEAN

8.15%

7.65%

6.67%

7.41%

7.41%

6.96%

PNB

12.65%

11.48%

8.28%

5.93%

5.74%

5.76%

OCB

14.08%

15.76%

18.37%

15.95%

14.76%

13.93%

KLB

29.01%

35.63%

14.93%

25.64%

19.36%

18.54%

PGB

11.61%

16.59%

10.50%

13.27%

14.74%

16.59%

BANVIET

37.10%

31.48%

33.24%

25.27%

19.45%

15.80%

VAB

14.02%

14.02%

10.84%

14.10%

15.89%

14.36%

WES

17.85%

41.39%

11.02%

22.34%

15.39%

21.16%

MDB

35.18%

26.34%

41.08%

22.14%

37.91%

46.38%

BVB

0.00%

0.00%

21.50%

12.02%

12.64%

23.74%

DAIA

37.70%

23.77%

14.81%

28.88%

15.82%

18.87%

SAIGONBANK

14.06%

13.12%

16.22%

21.02%

21.51%

23.83%

NAVI

5.85%

9.87%

6.24%

10.10%

14.29%

14.75%

NAMA

12.72%

21.88%

12.22%

14.99%

16.69%

20.47%



PHỤ LỤC 07 TỔNG HỢP CHỈ SỐ ROE



Ngân hàng

2007

2008

2009

2010

2011

2012

BIDV

13.16%

14.81%

15.97%

15.53%

13.12%

12.34%

VCB

17.67%

10.92%

23.61%

20.49%

14.73%

10.65%

VIETINBANK

10.80%

14.63%

10.22%

18.93%

21.97%

18.35%

STB

19.02%

12.31%

15.84%

13.63%

13.72%

7.32%

ACB

28.13%

28.46%

21.78%

20.52%

26.82%

6.21%

TECHCOM

14.28%

21.03%

23.21%

22.08%

25.21%

5.76%

VPB

10.40%

8.45%

11.52%

9.67%

13.34%

9.69%

EXIM

7.36%

5.54%

8.48%

13.43%

18.64%

13.53%

MSB

9.18%

16.90%

21.75%

18.29%

8.39%

2.49%

MB

14.16%

15.74%

17.04%

19.65%

19.86%

18.04%

LIENVIET

0.00%

12.87%

14.11%

16.63%

14.82%

11.75%

SEABANK

8.89%

4.29%

8.39%

10.96%

2.28%

0.95%

VIB

14.15%

7.37%

15.60%

12.00%

7.83%

6.22%

HDB

16.33%

3.58%

10.81%

11.43%

12.02%

6.05%

MHB

12.63%

1.62%

4.30%

2.52%

2.64%

9.09%

DAB

10.29%

15.33%

14.07%

12.16%

16.29%

9.46%

ABB

6.52%

1.26%

6.94%

10.67%

6.50%

8.15%

OCEAN

8.74%

4.20%

10.09%

12.73%

10.51%

5.42%

PNB

8.79%

4.91%

12.73%

11.73%

5.62%

2.78%

OCB

10.19%

4.09%

8.85%

9.76%

8.07%

6.02%

KLB

8.44%

3.56%

8.20%

6.07%

11.42%

10.19%

PGB

7.53%

6.39%

16.00%

10.07%

17.22%

7.51%

BANVIET

8.52%

0.47%

4.94%

2.72%

8.18%

6.25%


VAB

11.05%

5.01%

12.25%

7.85%

6.94%

4.64%

WES

12.07%

9.02%

10.51%

2.45%

3.82%

1.14%

MDB

9.14%

12.70%

9.62%

4.25%

9.81%

2.89%

BVB

0.00%

0.00%

4.04%

8.09%

6.92%

2.89%

DAIA

9.57%

6.57%

2.02%

2.89%

10.64%

5.65%

SAIGONBANK

11.91%

10.97%

10.72%

22.61%

9.20%

8.40%

NAVI

12.91%

5.31%

12.21%

7.76%

5.15%

0.08%

NAMA

11.27%

0.75%

4.21%

6.37%

7.63%

5.51%


PHỤC LỤC 08 TỔNG HỢP CHỈ SỐ ROA


Ngân hàng

2007

2008

2009

2010

2011

2012

BIDV

0.75%

0.81%

0.95%

1.03%

0.79%

0.69%

VCB

1.21%

0.68%

1.54%

1.38%

1.15%

1.07%

VIETINBANK

0.69%

0.91%

0.53%

0.94%

1.36%

1.23%

STB

2.17%

1.40%

1.61%

1.25%

1.41%

0.66%

ACB

2.06%

2.10%

1.31%

1.14%

1.14%

0.45%

TECHCOM

1.29%

2.00%

1.84%

1.38%

1.75%

0.43%

VPB

1.25%

1.07%

1.07%

0.84%

0.97%

0.63%

EXIM

1.38%

1.47%

1.73%

1.38%

1.66%

1.26%

MSB

0.98%

0.97%

1.21%

1.00%

0.70%

0.21%

MB

1.66%

1.57%

1.70%

1.59%

1.38%

1.32%

LIENVIET

0.00%

5.95%

3.11%

1.95%

1.74%

1.31%

SEABANK

1.14%

0.78%

1.50%

1.14%

0.13%

0.07%

VIB

0.79%

0.49%

0.81%

0.84%

0.66%

0.80%

HDB

0.88%

0.63%

1.02%

0.78%

0.95%

0.62%


MHB

0.50%

0.05%

0.13%

0.16%

0.18%

0.82%

DAB

1.21%

1.55%

1.38%

1.18%

1.46%

0.83%

ABB

0.94%

0.37%

1.18%

1.31%

0.74%

0.87%

OCEAN

0.71%

0.32%

0.67%

0.94%

0.78%

0.38%

PNB

1.11%

0.56%

1.05%

0.70%

0.32%

0.16%

OCB

1.43%

0.64%

1.63%

1.56%

1.19%

0.84%

KLB

2.45%

1.27%

1.23%

1.56%

2.21%

1.89%

PGB

0.87%

1.06%

1.68%

1.34%

2.54%

1.25%

BANVIET

3.16%

0.15%

1.64%

0.69%

1.59%

0.99%

VAB

1.55%

0.70%

1.33%

1.11%

1.10%

0.67%

WES

2.15%

3.73%

1.16%

0.55%

0.59%

0.24%

MDB

3.22%

3.34%

3.95%

0.94%

3.72%

1.34%

BVB

0.00%

0.00%

0.87%

0.97%

0.87%

0.69%

DAIA

3.61%

1.56%

0.30%

0.83%

1.68%

1.07%

SAIGONBANK

1.67%

1.44%

1.74%

4.75%

1.98%

2.00%

NAVI

0.76%

0.52%

0.76%

0.78%

0.74%

0.01%

NAMA

1.43%

0.17%

0.51%

0.96%

1.27%

1.13%


PHỤC LỤC 09

TỔNG HỢP TĂNG TRƯỞNG GDP VÀ LẠM PHÁT


Năm

2006

2007

2008

2009

2010

2011

2012

2013

Lạm phát

6.60%

12.60%

19.89%

6.52%

11.75%

18.58%

6.81%

11.82%

GDP

8.23%

8.46%

6.31%

5.32%

6.78%

5.89%

5.03%

6.57%


PHỤC LỤC 10

KẾT QUẢ HỒI QUY (ROA)

Dependent Variable: ROA

Method: Panel Generalized Method of Moments Transformation: First Differences

Date: 04/01/14 Time: 01:19 Sample (adjusted): 2007 2012

Cross-sections included: 29

Total panel (balanced) observations: 145 White period instrument weighting matrix

White period standard errors & covariance (d.f. corrected)

Instrument list: @DYN(ROA,-2) ROA(-1) TCTR TETA LNSIZE LNTA

NPL DLR CPI GDP


Variable


Coefficient

Std. Error


t-Statistic


Prob.


ROA(-1)


-0.221605


0.038249

-

5.793679


0


TCTR


-0.032011


0.001899

-

16.85434


0

TETA

0.03071

0.004683

6.557186

0


LNSIZE


-0.000201


0.000465

-

0.431789


0.6668

LNTA

0.00217

0.003869

0.560813

0.5761

NPL

-0.05965

0.024572

-2.42753

0.0169


DLR


-0.000573


0.000904

- 0.634191


0.5273

CPI

0.018085

0.002972

6.084419

0


GDP


-0.090797


0.027258

-

3.330994


0.0012


Effects Specification


Cross-section fixed (first differences)

Mean dependent

var


-0.000726


S.D. dependent var


0.007926

S.E. of

regression


0.005333


Sum squared resid


0.003044

J-statistic

13.91466

Instrument rank

19

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