Các yếu tố ảnh hưởng đến thu nhập ngoài lãi tại các Ngân hàng thương mại Việt Nam

12. Võ Xuân Vinh và Trần Thị Phương Mai, 2015. Lợi nhuận và rủi ro từ đa dạng hóa thu nhập của ngân hàng thương mại Việt Nam. Tạp chí Phát triển kinh tế, 26(8), 54-70.

Tiếng Anh

1. Resurgent Performance, Inc. 2015. High Performance Non Interest Income.

2015 Resurgent Performance.

2. Robert DeYoung and Tara Rice, 2003. Noninterest Income and Financial Performance at U.S. Commercial Banks. Emerging Issues Series, Supervision and Regulation Department, Federal Reserve Bank of Chicago.

3. Roland Craigwell and Chanelle Maxwell, 2005. Non-interest income and financial performance at commercial banks in the Caribean. Central bank of Barbados working paper.

4. Rosie Smith, Christos Staikouras and Geoffrey Wood, 2003. Non-interest income and total income stability, Working Paper no.198, Bank of England.

5. Sherene A. Bailey-Tapper, 2010. Non-interest Income, Financial Performance & the Macroeconomy: Evidence on Jamaican Panel Data. Bank of Jamaica.

PHỤ LỤC 01: SỐ LIỆU CỦA CÁC NGÂN HÀNG ĐƯỢC CHỌN LÀM MẪU NGHIÊN CỨU (CHƯƠNG 4)

ĐVT: tỷ đồng

TÊN

NĂM	ROA	CORE	LOAN	PSLSHARE	LOANQ	INVEST	IDV	Ivang	IKD	IĐT	Ikhac	ICP	NII
CTG	2006	0.48	0.68	0.59	0.980302	0.985923	0.063291	273	60	23	65	606		1027
CTG	2007	0.76	0.68	0.60	0.980676	98.98	0.077876	335	64	71	88	572		1130
CTG	2008	1	0.63	0.61	0.982713	0.981886	0	438	290	-23		664	135	1504
CTG	2009	1.31	0.61	0.66	0.984614	0.9939	0.001847	388	-48	6666	14	472	87	7579
CTG	2010	1.12	0.56	0.63	0.980005	99.34	-0.09527	1436	158	-39	-260	1270	164	2729
CTG	2011	1.51	0.56	0.63	0.987378	99.25	-0.21539	1152	383	11	-501	1024	257	2326
CTG	2012	1.7	0.57	0.65	0.988253	98.54	0.14568	1278	362	34	516	1186	166	3542
CTG	2013	1.4	0.63	0.65	0.987384	99.18	0.002282	1520	291	19	8	1495	173	3506
CTG	2014	1.2	0.64	0.66	0.987445	99.1	-0.04861	1179	387	192	-154	1398	166	3168
CTG	2015	1	0.63	0.68	0.985672	99.27	0.013572	1460	20	129	53	2202	41	3905
CTG	2016	1	0.69	0.70	0.98529	99.07	0.010126	1687	685	184	41	1305	147	4049
VCB	2006	1.89	0.72	0.40	0.982901	97.3	0.072298	548	274		101	314	160	1397
VCB	2007	1.32	0.72	0.48	0.989416	96.13	0.042694	601	355	261	71	200	175	1663
VCB	2008	0.64	0.71	0.49	0.982279	95.39	-0.04669	468	591	68	-84	211	545	1799
VCB	2009	1.64	0.66	0.54	0.985932	97.53	0.062074	989	918	183	173	128	396	2787
VCB	2010	1.52	0.67	0.56	0.985719	97.17	0.08036	1415	562	18	268	580	492	3335
VCB	2011	1.24	0.62	0.56	0.983976	97.97	0.009796	1510	1180	-6	24	-1261	1003	2450
VCB	2012	1.13	0.69	0.57	0.985515	97.6	0.050229	1374	1488	77	208	525	469	4141
VCB	2013	0.99	0.71	0.57	0.988106	97.27	0.03387	1619	1427	22	160	934	562	4724
VCB	2014	0.88	0.73	0.55	0.988396	97.69	0.039776	1771	1345	199	220	1785	211	5531
VCB	2015	0.85	0.74	0.56	0.987957	98.16	0.029749	1873	1573	178	171	1905	48	5748
VCB	2016	0.94	0.76	0.58	0.988201	98.54	-0.01395	2111	1850	496	-89	1939	72	6379
BID	2006	0.39	0.71	0.60	0.90854	90.4	0.569628	414	105	222	994	-23	33	1745
BID	2007	0.89	0.66	0.63	0.857164	96.02	0	624	140	160		1194	17	2135

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BID

2008	0.88	0.66	0.64	0.916286	97.25	0	1003	791	-839		-100	-8	847
BID	2009	0.94	0.63	0.68	0.926649	97.18	0.035535	1404	209	609	113	611	234	3180
BID	2010	1.13	0.67	0.68	0.914627	97.29	-0.05875	1777	289	-155	-135	387	135	2298
BID	2011	0.83	0.59	0.71	0.914538	97.04	-0.07421	2157	314	-211	-206	607	115	2776
BID	2012	0.74	0.63	0.69	0.898673	97.1	0.024777	2136	330	177	86	675	67	3471
BID	2013	0.78	0.62	0.70	0.929679	97.63	0.175732	2461	162	466	924	908	337	5258
BID	2014	0.83	0.68	0.68	0.978447	97.97	0.161762	1803	265	210	819	1594	372	5063
BID	2015	0.79	0.66	0.69	0.98318	98.32	0.002038	2337	294	-63	11	2369	449	5397
BID	2016	0.67	0.72	0.72	0.9831	98.05	0.053748	2504	534	434	365	1740	1214	6791
STB	2006	2.08	0.71	0.58	0.98432	99.28	0.356021	120	4	7	136	11	104	382
STB	2007	2.91	0.68	0.55	0.987573	99.76	0.162016	193	101	600	209	4	183	1290
STB	2008	1.49	0.67	0.51	0.985089	99.004	-0.06733	562	510	87	-88	116	120	1307
STB	2009	1.79	0.58	0.57	0.98711	99.31	0.23034	1036	314	16	413	-73	87	1793
STB	2010	1.5	0.51	0.54	0.967665	99.48	-0.1295	1143	-502	18	-151	135	523	1166
STB	2011	1.44	0.53	0.56	0.965826	99.44	-0.01206	1041	204	-186	-11	106	-242	912
STB	2012	0.68	0.71	0.65	0.958716	98.03	-1.08708	686	218	4	-387	-82	-83	356
STB	2013	1.38	0.82	0.68	0.954898	98.56	0.028747	948	-203	-68	28	97	172	974
STB	2014	1.31	0.86	0.67	0.953267	98.82	0.100297	948	196	183	169	134	55	1685
STB	2015	0.22	0.89	0.63	0.962973	94.15	-0.03301	1171	159	11	-61	546	22	1848
STB	2016	0.02	0.88	0.59	0.917831	93.32	0.004656	1418	267	-1	9	230	10	1933
MBB	2006	2.44	0.76	0.43	0.516755	97.3	0.049587	75	7	34	6	-1		121
MBB	2007	2.82	0.60	0.39	0.791646	98.99	0	192	21	83		-112	34	218
MBB	2008	2.33	0.61	0.35	0.979844	98.17	6.461538	191	101	-168	-252	34	55	-39
MBB	2009	2.66	0.58	0.42	0.996079	98.42	0	381	-73	214		177	117	816
MBB	2010	2.56	0.60	0.44	0.996057	98.74	0.217544	589	1	-4	124	-231	91	570
MBB	2011	2.11	0.65	0.42	0.994696	98.41	10.25333	643	-85		-769	57	79	-75
MBB	2012	1.5	0.67	0.42	0.979052	98.16	0	733	4	-67		473	68	1211
MBB	2013	1.28	0.75	0.48	0.97152	97.55	0.007157	739	99		11	615	73	1537
MBB	2014	1.31	0.84	0.49	0.971267	97.27	0.173175	950	90		306	342	79	1767
MBB	2015	1.2	0.82	0.54	0.969878	98.38	0.09216	544	159		134	525	92	1454

MBB

2016	1.21	0.76	0.58	0.974906	98.68	0.053838	683	113		101	877	102	1876
SHB	2006	1.07	0.28	0.37	0.924902	98.63	0					3		3
SHB	2007	1.85	0.23	0.34	0.991012	99.50	0	1	2	14		138	18	173
SHB	2008	1.46	0.66	0.43	0.996654	98.11	0	7	26	-14		295	3	317
SHB	2009	1.52	0.53	0.46	0.998839	97.21	0.199074	60	52	32	43	12	17	216
SHB	2010	1.26	0.50	0.47	0.995673	98.60	0.211111	106	53	10	57	37	7	270
SHB	2011	1.23	0.49	0.41	0.991714	97.77	-0.02727	218	55	-18	-9	75	9	330
SHB	2012	0.03	0.67	0.48	0.980938	91.92	0.022556	152	48	140	24	689	11	1064
SHB	2013	0.65	0.63	0.52	0.983019	95.94	-0.06061	133	63	1	-16	77	6	264
SHB	2014	0.51	0.73	0.61	0.99283	97.98	-0.01313	354	66	4	-7	108	8	533
SHB	2015	0.43	0.73	0.64	0.992203	98.28	-0.28926	97	27	4	-70	175	9	242
SHB	2016	0.42	0.71	0.69	0.993625	98.13	0.007229	338	84	2	6	398	2	830
ACB	2006	1.9	0.75	0.38	0.998331	99.8	-0.37234	148	70	97	35	-447	3	-94
ACB	2007	3.3	0.65	0.37	0.999471	99.92	0.524561	271	155	345	897	5	37	1710
ACB	2008	2.6	0.61	0.33	0.995435	99.1	0.030443	607	679	-30	46	37	172	1511
ACB	2009	2.1	0.52	0.37	0.995572	99.6	0.258548	870	422	21	552	155	115	2135
ACB	2010	1.7	0.52	0.42	0.992542	99.66	0.068627	826	191	-19	91	50	187	1326
ACB	2011	1.73	0.51	0.36	0.990411	99.11	0.079731	826	-161	71	83	-1	223	1041
ACB	2012	0.5	0.71	0.57	0.988996	97.54	0.263768	703	-1864	252	-273	2	145	-1035
ACB	2013	0.6	0.83	0.63	0.98844	97	0.313788	770	-78	70	396	32	72	1262
ACB	2014	0.5	0.86	0.64	0.996428	97.83	0.178931	694	184	110	231	49	23	1291
ACB	2015	0.54	0.87	0.66	0.98147	98.7	-2.40476	745	121	15	-808	242	21	336
ACB	2016	0.6	0.89	0.69	0.984832	99.12	-1.32239	944	230	72	-886	285	25	670
VPB	2006	1.93	0.56	0.49	0.997598	99.59	0	9	-3			-7	2	1
VPB	2007	1.8	0.70	0.73	0.997326	99.51	0	30	7	73		84		194
VPB	2008	0.81	0.77	0.69	0.993697	96.59	0	34	-7	-1		22		48
VPB	2009	1.27	0.60	0.57	0.991751	98.37	-0.18243	137	19	-9	-27	20	8	148
VPB	2010	1.15	0.40	0.42	0.990949	98.8	0.021552	211	-9	-59	5	71	13	232
VPB	2011	1.12	0.36	0.35	0.996844	98.18	-0.05532	407	13	48	-26	24	4	470
VPB	2012	0.77	0.58	0.36	0.997751	97.28131	-1.05389	271	-117	74	-176	98	17	167

VPB

2013	0.91	0.69	0.43	0.99812	97.19	0.184707	604	-21	118	186	108	12	1007
VPB	2014	0.88	0.66	0.47	0.99681	97.46	0.47551	607	-90	-5	466	-7	9	980
VPB	2015	1.34	0.67	0.59	0.994544	97.3	0.016336	885	-290	45	28	875	171	1714
VPB	2016	1.86	0.54	0.71	0.99592	97.09	0.060982	852	-319	-149	108	1279		1771
TCB	2006	1.89	0.55	0.50	0.988005	98.42	0	101	7	5		-58		55
TCB	2007	1.99	0.62	0.50	0.997021	98.61	0	177	25	82		-175		109
TCB	2008	2.37	0.67	0.44	0.976596	97.48	0	483	22	931		-317		1119
TCB	2009	2.24	0.67	0.45	0.987827	97.5	0.262526	641	48	150	372	178	28	1417
TCB	2010	1.86	0.54	0.35	0.988456	97.7	0.104167	930	-91	-71	160	527	81	1536
TCB	2011	1.91	0.49	0.35	0.995711	97.18	0.305209	1150	-699	-55	416	543	8	1363
TCB	2012	0.42	0.62	0.37	0.994722	97.31	-0.2709	565	-139	3	-175	362	30	646
TCB	2013	0.39	0.76	0.43	0.991587	96.35	0.122807	736	-122	105	161	414	17	1311
TCB	2014	0.63	0.75	0.45	0.990275	97.62	0.058471	1123	23	97	78	8	5	1334
TCB	2015	0.86	0.74	0.58	0.98397	98.33	-0.07116	1139	-192	304	-152	1026	11	2136
TCB	2016	1.5	0.74	0.60	0.990094	98.43	0.127368	1956	240	125	481	974	0.47	3776.47
EIB	2006	1.74	0.72	0.55	0.970901	99.16	0.172269	44	75		41	77	1	238
EIB	2007	1.78	0.68	0.55	0.986998	99.13	0.171687	72	139		57	42	22	332
EIB	2008	1.74	0.64	0.43	0.99076	95.29	-0.29196	109	634	-4	-167	31	-31	572
EIB	2009	1.99	0.59	0.58	0.991013	97.6	0.31	211	135	-40	186	30	78	600
EIB	2010	1.85	0.44	0.47	0.992238	98.57964	-0.0369	474	16	-2	-29	291	36	786
EIB	2011	1.93	0.29	0.40	0.992192	98.39	-0.00214	566	-88		-2	398	60	934
EIB	2012	1.21	0.41	0.44	0.995737	98.68	-0.00617	243	-297		-3	559	-16	486
EIB	2013	0.39	0.47	0.49	0.993669	98.02	-0.00586	275	-114		-3	204	150	512
EIB	2014	0.03	0.63	0.53	0.99295	97.54	0	346	170			-261	-23	232
EIB	2015	0.03	0.79	0.67	0.995768	98.14	-0.08458	292	63		-34	85	-4	402
EIB	2016	0.24	0.79	0.67	0.995501	97.05	0.038226	300	260		25	68	1	654
MSB	2006	1.23	0.43	0.33	0.968997	96.24092	0.078431	15	6		2	2	0.5	25.5
MSB	2007	1.33	0.42	0.37	0.979474	97.93151	0	41	7			33	1	82
MSB	2008	1.26	0.43	0.34	0	98.51	0	59	10	-9		9	7	76
MSB	2009	1.80	0.47	0.37	0.992748	99.38	0.161616	123	88	-8	64	87	42	396

MSB

2010	1.55	0.42	0.27	0.981853	98.13	0.589394	207	-107	-12	389	110	73	660
MSB	2011	0.69	0.54	0.33	0.947081	97.73	-0.03388	344	42	-35	-29	412	122	856
MSB	2012	0.20	0.54	0.26	0.997803	97.35	0.162295	40	88	1	99	245	137	610
MSB	2013	0.30	0.61	0.25	0.992001	97.29	0.845194	28	86	-82	677	-38	130	801
MSB	2014	0.14	0.61	0.22	0.98775	97.39	0.512027	56	-15	10	596	426	91	1164
MSB	2015	0.11	0.60	0.26	0.991434	96.58929	0.619205	39	-71	-46	561	281	142	906
MSB	2016	0.14	0.62	0.37	0.987129	97.83	0.388531	93	13	-6	603	798	51	1552
HDB	2006	2.15	0.39	0.66	0.9931	99.7	0	5	10			9		24
HDB	2007	1.47	0.26	0.64	0.996036	99.7	0	53	6			3	4	66
HDB	2008	0.59	0.45	0.64	0.938089	98.07	0.019802	73	16		2	1	9	101
HDB	2009	1.54	0.49	0.43	0.925121	98.9	0.151751	140	63		39		15	257
HDB	2010	1.13	0.41	0.34	0.836987	99.17	0.090426	154	-39	22	17	10	24	188
HDB	2011	1.06	0.42	0.30	0.978287	98.37	0.725806	64	-93		-45	2	10	-62
HDB	2012	0.9	0.65	0.40	0.977878	97.65	0.468053	18	-43	9	315	348	26	673
HDB	2013	0.57	0.72	0.50	0.917152	96.32816	0.549557	60	54	62	682	242	141	1241
HDB	2014	0.51	0.66	0.42	0.962512	98.6	0.37431	126	42	80	475	47	499	1269
HDB	2015	0.61	0.70	0.52	0.951406	98.69	0.055118	188	26	-4	49	20	610	889
HDB	2016	0.71	0.69	0.54	0.95897	98.4	0.204054	118	209	83	151	167	12	740
ABB	2006	3.07	0.50	0.36	0.707229	96.12131	0	5				39		44
ABB	2007	1.59	0.39	0.40	0.960917	98.48	1.040816	6	3	-13	102			98
ABB	2008	0.51	0.49	0.48	0.987578	95.8	0.69697	22	-5	-25	46	7	21	66
ABB	2009	1.56	0.57	0.48	0.976288	98.53	0.174497	88	11	2	26	6	16	149
ABB	2010	1.54	0.62	0.52	0.989371	98.84	0.222222	133	-7	-41	30	-3	23	135
ABB	2011	0.77	0.49	0.47	0.98404	97.21	1.571429	11	-15	-5	-55	3	26	-35
ABB	2012	0.91	0.62	0.40	0.977948	97.17	-0.03529	101	-30	-3	-3	3	17	85
ABB	2013	0.27	0.64	0.40	0.976918	95.2	0.086758	108	25	-4	38	259	12	438
ABB	2014	0.19	0.67	0.38	0.981761	97.25	0.238806	42	57	1	48	43	10	201
ABB	2015	0.14	0.74	0.47	0.987552	98.2	0.423077	58	64		132	26	32	312
ABB	2016	0.60	0.70	0.53	0.985261	98.05	0.375	123	113	2	165	8	29	440
SeABank	2006	1.21	0.34	0.33	0.944384	99.77	0	8	-13	24				19

SeABank

2007	1.64	0.41	0.42	0.995809	99.76	0	7	1	28			48	84
SeABank	2008	1.32	0.38	0.33	0.989597	97.86	0	108	-17	-77		18	5	37
SeABank	2009	1.73	0.40	0.31	0.98327	98.12	0	89	31	100		5	3	228
SeABank	2010	1.47	0.45	0.39	0.984242	97.86	0	205	78	-2		4	31	316
SeABank	2011	0.16	0.34	0.19	0.983297	97.25	0	56	-192	85		4	10	-37
SeABank	2012	0.06	0.42	0.22	0.977575	97.02	0	26	-7	-12		-2	5	10
SeABank	2013	0.20	0.45	0.26	0.975832	97.16	0	28	11	6		18	150	213
SeABank	2014	0.11	0.56	0.39	0.984476	97.14	0.834239	39	13	1	307	1	7	368
SeABank	2015	0.11	0.67	0.50	0.972312	98.4	0.064516	41	-23	1	2	5	5	31
SeABank	2016	0.11	0.70	0.57	0.979937	98.17	0.528571	44	-16		37	2	3	70
VIB	2006	1.21	0.59	0.55	0.980982	98.5	0	42				30		72
VIB	2007	1.08	0.45	0.42	0.983332	98.8	0.285211	68	14		81	104	17	284
VIB	2008	0.46	0.69	0.56	0.989458	98.15	-0.85714	109	69		-78	-19	10	91
VIB	2009	1.5	0.57	0.48	0.981919	98.73	0.146608	156	122		67	102	10	457
VIB	2010	1.64	0.48	0.44	0.988658	98.41	0.029545	231	98		13	79	19	440
VIB	2011	0.67	0.46	0.44	0.984193	97.31	0.291667	191	54		-63	-406	8	-216
VIB	2012	0.65	0.60	0.51	0.99408	97.41	-0.11397	127	38		-31	130	8	272
VIB	2013	0.07	0.56	0.45	0.993273	97.23	0.403114	165	23		233	152	5	578
VIB	2014	0.66	0.61	0.46	0.994122	97.49	0.078165	165	-24		92	943	1	1177
VIB	2015	0.63	0.63	0.56	0.991672	97.93	0.152397	166	-11		89	320	20	584
VIB	2016	0.59	0.57	0.57	0.984862	97.42	0.185567	256	25		144	323	28	776

PHỤ LỤC 2: SỐ LIỆU CỤ THỂ CÁC NGÂN HÀNG TỪ NĂM 2011-2016 (CHƯƠNG 3)

ĐVT: tỷ đồng

TEN

NAM	ITD	IDV	Ivang	IKD	IĐT	Ikhac	ICP	NII	Tổng thu HĐ	CPHĐ	LN trước CPDPRR	Chi phí DPRR	Tổng LNTT
CTG	2011	20048	1152	383	11	-501	1024	257	2326	22374	9078	13296	4904	8392

CTG

2012	18420	1278	362	34	516	1186	166	3542	21962	9436	12526	4358	8168
CTG	2013	18277	1520	291	19	8	1495	173	3506	21783	9910	11873	4123	7750
CTG	2014	17862	1179	387	192	-154	1398	166	3168	21030	9804	11226	3923	7303
CTG	2015	18893	1460	20	129	53	2202	41	3905	22798	10719	12079	4679	7400
CTG	2016	22405	1687	685	184	41	1305	147	4049	26454	12902	13552	5022	8530
VCB	2011	12422	1510	1180	-6	24	-1261	1003	2450	14872	5700	9172	3474	5698
VCB	2012	10941	1374	1488	77	208	525	469	4141	15082	6013	9069	33033	-23964
VCB	2013	10782	1619	1427	22	160	934	562	4724	15506	6244	9262	3520	5742
VCB	2014	11754	1771	1345	199	220	1785	211	5531	17285	6851	10434	4591	5843
VCB	2015	15453	1873	1573	178	171	1905	48	5748	21201	8306	12895	6068	6827
VCB	2016	18529	2111	1850	496	-89	1939	72	6379	24908	9980	14928	6410	8518
BID	2011	12639	2157	314	-211	-206	607	115	2776	15415	6652	8763	4542	4221
BID	2012	13207	2136	330	177	86	675	67	3471	16678	6765	9913	5587	4326
BID	2013	13950	2461	162	466	924	908	337	5258	19208	7436	11772	6483	5289
BID	2014	16844	1803	265	210	819	1594	372	5063	21907	8624	13283	6986	6297
BID	2015	19315	2337	294	-63	11	2369	449	5397	24712	11087	13625	5676	7949
BID	2016	23738	2504	534	434	365	1740	1214	6791	30529	13522	17007	9274	7733
STB	2011	5842	1041	204	-186	-11	106	-242	912	6754	3589	3165	395	2770
STB	2012	6497	686	218	4	-387	-82	-83	356	6853	4154	2699	1331	1368
STB	2013	6627	948	-203	-68	28	97	172	974	7601	4206	3395	435	2960
STB	2014	6565	948	196	183	169	134	55	1685	8250	4461	3789	963	2826
STB	2015	6615	1171	159	11	-61	546	22	1848	8463	4862	3601	2132	1469
STB	2016	5119	1418	267	-1	9	230	10	1933	7052	5820	1232	700	532
MBB	2011	5222	643	-85		-769	57	79	-75	5147	1881	3266	641	2625
MBB	2012	6603	733	4	-67		473	68	1211	7814	2697	5117	2027	3090
MBB	2013	6124	739	99		11	615	73	1537	7661	2746	4915	1892	3023
MBB	2014	6540	950	90		306	342	79	1767	8307	3114	5193	2019	3174
MBB	2015	7319	544	159		134	525	92	1454	8773	3449	5324	2102	3222
MBB	2016	7979	683	113		101	877	102	1876	9855	4175	5680	2030	3650
SHB	2011	1898	218	55	-18	-9	75	9	330	2228	1126	1102	102	1000

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