Các yếu tố ảnh hưởng đến thu nhập ngoài lãi tại các Ngân hàng thương mại Việt Nam - 10

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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Các yếu tố ảnh hưởng đến thu nhập ngoài lãi tại các Ngân hàng thương mại Việt Nam - 10


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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