Research on the impact of loan portfolios on profitability of joint stock commercial banks

APPENDIX

APPENDIX 1: Proportion of loan portfolio of large-scale banks in the period 2004-2014

Unit: %

CTG	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	21.63%	31.98%	35.39%	21.13%	18.74%	21.10%	11.55%	11.75%	29.13%	28.49%	28.72%
Agriculture and Forestry	8.83%	8.80%	5.07%	4.19%	3.22%	3.25%	1.71%	3.11%	2.49%	3.00%	3.37%
Production and processing	33.15%	34.75%	28.71%	35.98%	38.80%	38.26%	38.30%	44.54%	46.02%	47.36%	44.97%
Construct	13.94%	13.90%	13.39%	10.62%	11.23%	10.96%	11.43%	10.85%	6.83%	7.10%	8.61%
Personal and community service	0.00%	0.00%	0.00%	11.21%	10.58%	6.82%	24.57%	15.46%	1.56%	2.45%	2.98%
Warehousing, transportation and communication	10.92%	5.78%	5.89%	8.19%	9.49%	9.37%	7.37%	5.85%	1.45%	0.41%	2.00%
Education and training	0.00%	0.00%	0.00%	0.36%	0.25%	0.25%	0.42%	0.03%	0.29%	0.21%	0.16%
Real estate consulting and business	0.00%	0.00%	0.00%	0.16%	0.30%	2.31%	1.43%	3.09%	7.82%	6.59%	6.18%
Restaurants and hotels	0.00%	0.00%	0.00%	2.52%	2.39%	2.65%	2.07%	1.08%	1.69%	1.64%	0.73%
Financial services	0.00%	0.00%	0.00%	0.59%	0.34%	0.39%	0.66%	0.61%	0.00%	0.01%	0.02%
Other professions	11.53%	4.79%	11.54%	5.05%	4.66%	4.65%	0.51%	3.63%	2.72%	2.74%	2.26%
total	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
VCB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	51.99%	26.54%	25.81%	19.03%	22.16%	25.37%	21.98%	22.18%	22.20%	29.46%	29.27%
Agriculture and Forestry	10.13%	4.29%	2.92%	3.71%	2.14%	1.37%	1.17%	1.17%	1.98%	2.25%	2.36%
Production and processing	21.73%	38.69%	40.32%	53.27%	51.19%	50.50%	50.47%	51.07%	49.90%	47.07%	46.11%
Construct	3.99%	5.69%	5.88%	6.51%	6.70%	7.87%	5.93%	6.13%	5.84%	5.61%	5.07%
Personal and community service	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Maybe you are interested!

Orientation To Improve Loan Portfolio Management Activities At Vietnamese Joint Stock Commercial Banks
Strategic Orientations For The Bank's Loan Portfolio Management
Research on the impact of loan portfolios on profitability of joint stock commercial banks - 13
Research on the impact of loan portfolios on profitability of joint stock commercial banks - 15
Research on the impact of loan portfolios on profitability of joint stock commercial banks - 16
Research on the impact of loan portfolios on profitability of joint stock commercial banks - 17

Warehousing, transportation and communication	1.16%	3.31%	4.24%	6.07%	6.59%	7.36%	6.88%	5.64%	5.14%	3.72%	4.69%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Restaurants and hotels	1.13%	2.34%	2.48%	3.39%	2.52%	2.15%	2.24%	2.59%	2.50%	2.60%	2.72%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Other professions	9.87%	19.14%	18.35%	8.02%	8.70%	5.38%	11.43%	11.22%	12.45%	9.29%	9.77%
total	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.09%	100.0%	100.0%	100.0%	100.0%
BIDV	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	9.02%	12.40%	14.91%	15.92%	15.65%	20.06%	19.97%	22.61%	23.13%
Agriculture and Forestry	0.00%	0.00%	4.74%	4.01%	4.16%	3.34%	3.54%	4.01%	5.34%	4.89%	5.44%
Production and processing	0.00%	0.00%	40.15%	31.99%	33.70%	33.18%	29.73%	38.17%	37.32%	33.51%	29.30%
Construct	0.00%	0.00%	24.90%	23.60%	23.09%	23.18%	26.90%	14.50%	12.61%	14.39%	15.83%
Personal and community service	0.00%	0.00%	10.21%	11.80%	9.63%	7.96%	10.93%	10.97%	0.00%	0.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	3.71%	4.54%	5.75%	7.04%	6.17%	5.73%	3.98%	2.88%	2.33%
Education and training	0.00%	0.00%	0.20%	0.15%	0.13%	0.16%	0.19%	0.22%	0.08%	0.06%	0.05%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.55%	6.88%	7.13%	7.10%
Restaurants and hotels	0.00%	0.00%	3.98%	4.15%	5.45%	4.69%	2.50%	0.81%	2.99%	3.06%	2.96%
Financial services	0.00%	0.00%	1.49%	5.73%	1.18%	1.94%	1.30%	0.57%	0.21%	0.18%	0.38%
Other professions	0.00%	0.00%	1.59%	1.62%	2.00%	2.59%	3.08%	4.42%	10.62%	11.29%	13.47%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

STB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	33.14%	31.58%	23.67%	22.25%	14.30%	15.25%	16.00%	13.10%	13.10%
Agriculture and Forestry	0.00%	0.00%	5.37%	4.79%	7.49%	6.93%	10.92%	11.52%	7.72%	8.73%	9.45%
Production and processing	0.00%	0.00%	30.27%	28.50%	24.85%	26.22%	32.48%	36.09%	23.58%	20.23%	16.59%
Construct	0.00%	0.00%	6.29%	6.51%	5.87%	6.56%	6.69%	7.00%	13.77%	15.07%	12.30%
Personal and community service	0.00%	0.00%	4.95%	8.18%	16.48%	12.76%	8.76%	8.59%	8.58%	5.70%	5.89%
Warehousing, transportation and communication	0.00%	0.00%	2.26%	2.02%	2.12%	1.81%	2.47%	2.53%	3.01%	2.84%	3.09%
Education and training	0.00%	0.00%	4.26%	3.13%	3.65%	2.66%	2.64%	2.89%	2.94%	3.61%	3.61%
Real estate consulting and business	0.00%	0.00%	3.64%	6.14%	8.42%	9.23%	3.40%	4.42%	12.10%	14.87%	18.02%
Restaurants and hotels	0.00%	0.00%	2.66%	1.34%	2.25%	1.27%	1.09%	0.00%	0.06%	0.60%	1.03%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.72%	6.74%
Other professions	0.00%	0.00%	7.15%	7.82%	5.19%	10.31%	17.27%	11.71%	12.24%	9.54%	10.18%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
MBB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	55.47%	39.85%	20.56%	21.58%	23.44%	21.92%	21.70%	27.79%
Agriculture and Forestry	0.00%	0.00%	0.00%	4.48%	7.19%	6.48%	5.24%	5.13%	5.45%	6.07%	3.09%
Production and processing	0.00%	0.00%	0.00%	16.97%	24.97%	28.05%	32.54%	37.92%	40.31%	39.30%	29.28%
Construct	0.00%	0.00%	0.00%	9.75%	6.72%	6.67%	8.48%	7.93%	9.55%	8.68%	8.77%
Personal and community service	0.00%	0.00%	0.00%	0.18%	1.95%	16.61%	16.86%	4.99%	6.55%	7.15%	13.79%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	5.03%	9.96%	14.82%	10.58%	10.18%	7.52%	8.45%	8.07%

Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.22%	0.15%	0.05%	0.08%
Real estate consulting and business	0.00%	0.00%	0.00%	5.68%	6.78%	3.93%	3.56%	8.93%	7.43%	4.65%	4.27%
Restaurants and hotels	0.00%	0.00%	0.00%	0.95%	1.44%	0.33%	0.24%	0.21%	0.16%	0.20%	0.65%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.34%	1.08%
Other professions	0.00%	0.00%	0.00%	1.50%	1.13%	2.55%	0.92%	1.04%	0.96%	3.40%	3.12%
total	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
TECHCOMBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	40.03%	0.00%	0.00%	38.41%	16.49%	0.00%	15.46%	14.49%	11.75%
Agriculture and Forestry	0.00%	0.00%	8.39%	0.00%	0.00%	15.08%	37.23%	0.00%	0.28%	1.75%	0.16%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	28.84%	21.83%	16.83%
Construct	0.00%	0.00%	5.79%	0.00%	0.00%	6.54%	8.40%	0.00%	4.60%	5.49%	2.89%
Personal and community service	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	40.33%	33.47%	38.45%
Warehousing, transportation and communication	0.00%	0.00%	2.17%	0.00%	0.00%	3.56%	0.84%	0.00%	3.00%	0.43%	6.56%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.05%	0.04%	0.07%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.35%	17.47%	19.50%
Restaurants and hotels	0.00%	0.00%	0.40%	0.00%	0.00%	0.00%	0.00%	0.00%	1.41%	2.91%	0.24%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.14%	0.36%	1.34%
Other professions	0.00%	0.00%	43.23%	0.00%	0.00%	36.40%	37.04%	0.00%	0.54%	1.77%	2.19%
total	0.00%	0.00%	100.0%	0.00%	0.00%	100.0%	100.0%	0.00%	100.0%	100.0%	100.0%
EIB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	25.11%	24.85%	27.04%	27.48%	28.27%	24.10%	22.58%	23.66%	25.19%

Agriculture and Forestry	0.00%	0.00%	0.19%	0.07%	11.04%	6.11%	2.79%	8.23%	6.93%	6.40%	8.79%
Production and processing	0.00%	0.00%	22.80%	26.48%	13.99%	18.74%	16.31%	26.95%	23.45%	22.97%	16.25%
Construct	0.00%	0.00%	13.81%	12.34%	10.68%	5.91%	6.98%	8.24%	7.75%	8.10%	8.45%
Personal and community service	0.00%	0.00%	25.02%	28.99%	25.33%	14.86%	35.44%	24.02%	29.59%	29.03%	33.70%
Warehousing, transportation and communication	0.00%	0.00%	2.21%	1.46%	1.52%	2.60%	2.63%	1.41%	1.09%	0.89%	0.89%
Education and training	0.00%	0.00%	0.14%	0.00%	0.00%	0.00%	0.51%	0.87%	0.84%	0.73%	0.77%
Real estate consulting and business	0.00%	0.00%	0.00%	1.07%	1.64%	2.71%	0.92%	1.08%	1.20%	0.89%	0.53%
Restaurants and hotels	0.00%	0.00%	1.17%	1.40%	1.97%	3.06%	2.94%	2.61%	2.18%	1.87%	1.62%
Financial services	0.00%	0.00%	0.20%	0.14%	0.14%	0.57%	1.74%	1.54%	3.28%	4.30%	2.42%
Other professions	0.00%	0.00%	9.36%	3.21%	6.66%	17.97%	1.47%	0.96%	1.09%	1.16%	1.38%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
SCB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	1.55%	3.79%	3.42%	2.35%	2.40%	0.00%	2.88%	1.79%	1.83%
Agriculture and Forestry	0.00%	0.00%	0.29%	2.59%	0.94%	0.29%	0.12%	0.00%	0.22%	0.35%	1.16%
Production and processing	0.00%	0.00%	6.05%	7.52%	7.71%	8.81%	8.13%	0.00%	2.04%	1.14%	0.29%
Construct	0.00%	0.00%	9.55%	11.46%	12.09%	10.04%	16.60%	0.00%	5.14%	5.91%	0.72%
Personal and community service	0.00%	0.00%	73.81%	65.68%	64.34%	59.55%	52.60%	0.00%	8.10%	12.12%	33.98%
Warehousing, transportation and communication	0.00%	0.00%	2.11%	0.66%	2.11%	8.42%	1.49%	0.00%	0.33%	0.04%	0.12%
Education and training	0.00%	0.00%	0.10%	0.40%	1.41%	2.02%	1.99%	0.00%	0.61%	0.28%	0.00%
Real estate consulting and business	0.00%	0.00%	2.03%	1.43%	2.86%	2.90%	11.46%	0.00%	9.38%	9.98%	8.06%

Restaurants and hotels	0.00%	0.00%	4.34%	1.42%	1.30%	3.08%	3.05%	0.00%	0.55%	0.53%	0.01%
Financial services	0.00%	0.00%	0.00%	0.78%	1.02%	1.02%	2.13%	0.00%	0.72%	0.71%	0.00%
Other professions	0.00%	0.00%	0.18%	4.28%	2.82%	1.52%	0.04%	0.00%	70.03%	67.14%	53.84%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	0.00%	100.0%	100.0%	100.0%
ACB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	17.36%	21.22%	30.12%	25.19%	23.47%	31.80%	31.84%	35.87%	32.29%	25.28%	24.52%
Agriculture and Forestry	2.17%	1.38%	0.80%	0.37%	0.64%	0.27%	0.29%	0.32%	0.50%	0.97%	0.81%
Production and processing	29.70%	22.59%	22.62%	17.06%	12.96%	18.07%	15.24%	14.46%	12.91%	19.50%	18.41%
Construct	3.00%	3.40%	2.53%	2.27%	2.72%	3.81%	4.08%	4.74%	3.25%	3.55%	3.72%
Personal and community service	41.64%	38.60%	38.92%	47.10%	50.84%	36.79%	38.56%	34.62%	42.50%	42.27%	44.36%
Warehousing, transportation and communication	1.77%	2.88%	2.22%	2.40%	2.12%	2.82%	3.00%	2.96%	2.32%	2.94%	2.42%
Education and training	0.03%	0.33%	0.27%	0.18%	0.01%	0.05%	0.09%	0.10%	0.10%	0.11%	0.13%
Real estate consulting and business	2.98%	2.03%	0.88%	1.13%	1.75%	0.83%	1.47%	1.42%	1.05%	2.06%	1.97%
Restaurants and hotels	0.66%	0.73%	1.03%	1.11%	1.42%	1.60%	1.70%	2.13%	1.77%	1.59%	1.68%
Financial services	0.01%	0.05%	0.48%	0.02%	0.01%	1.01%	0.77%	0.69%	0.61%	0.00%	0.21%
Other professions	0.68%	6.78%	0.14%	3.16%	4.07%	2.96%	2.96%	2.67%	2.70%	1.74%	1.78%
TOTAL	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
SHB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	31.69%	8.15%	6.11%	12.56%	19.69%	18.40%	15.17%	15.57%
Agriculture and Forestry	0.00%	0.00%	0.00%	15.62%	15.16%	20.70%	4.78%	10.83%	14.17%	21.64%	22.47%
Production and processing	0.00%	0.00%	0.00%	8.47%	16.99%	17.57%	25.39%	29.33%	24.55%	26.53%	21.41%

Construct	0.00%	0.00%	0.00%	15.72%	16.59%	9.12%	11.06%	11.32%	10.72%	9.34%	14.69%
Personal and community service	0.00%	0.00%	0.00%	1.30%	4.60%	2.58%	1.20%	0.92%	0.70%	0.26%	0.02%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	16.40%	1.07%	2.45%	9.25%	5.42%	7.34%	5.17%	3.24%
Education and training	0.00%	0.00%	0.00%	0.01%	0.05%	0.04%	0.72%	0.05%	0.08%	0.07%	0.03%
Real estate consulting and business	0.00%	0.00%	0.00%	2.89%	1.51%	0.67%	6.09%	4.78%	3.92%	4.58%	7.64%
Restaurants and hotels	0.00%	0.00%	0.00%	2.29%	0.35%	0.46%	2.40%	2.68%	2.25%	2.75%	1.77%
Financial services	0.00%	0.00%	0.00%	0.00%	1.40%	1.44%	2.44%	1.59%	1.15%	0.85%	1.05%
Other professions	0.00%	0.00%	0.00%	5.63%	34.12%	38.85%	24.12%	13.38%	16.73%	13.63%	12.10%
total	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%