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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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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

TCTR

-0.032011

0.001899

16.85434

TETA

0.03071

0.004683

6.557186

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

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