Research on the impact of loan portfolios on profitability of joint stock commercial banks - 15

APPENDIX 2: Proportion of outstanding loans of the group of medium-sized banks in the period 2004-2014

Unit: %

MSB	2004	2005	2006	2007	2008	2009	2010	2011		two thousand and thirteen	2014
Commerce	0.00%	0.00%	21.65%	18.88%	0.00%	0.00%	22.90%	19.96%	16.31%	8.13%	0.00%
Agriculture and Forestry	0.00%	0.00%	5.43%	5.91%	0.00%	0.00%	0.22%	2.02%	0.00%	0.00%	0.00%
Production and processing	0.00%	0.00%	21.02%	21.93%	0.00%	0.00%	21.09%	23.61%	24.91%	23.92%	0.00%
Construct	0.00%	0.00%	16.42%	12.79%	0.00%	0.00%	15.84%	6.59%	7.32%	4.90%	0.00%
Personal and community service	0.00%	0.00%	5.17%	9.47%	0.00%	0.00%	7.06%	7.69%	0.00%	0.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	14.58%	17.07%	0.00%	0.00%	16.64%	22.25%	16.07%	14.71%	0.00%
Education and training	0.00%	0.00%	0.83%	0.39%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real estate consulting and business	0.00%	0.00%	1.25%	1.06%	0.00%	0.00%	10.48%	14.26%	23.73%	25.99%	0.00%
Restaurants and hotels	0.00%	0.00%	3.08%	4.63%	0.00%	0.00%	0.93%	0.96%	0.00%	0.00%	0.00%
Financial services	0.00%	0.00%	0.08%	1.56%	0.00%	0.00%	0.00%	0.00%	3.69%	4.47%	0.00%
Other professions	0.00%	0.00%	10.49%	6.31%	0.00%	0.00%	4.82%	2.66%	7.98%	17.87%	0.00%
total	0.00%	0.00%	100.0%	100.0%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	0.00%
HDBank	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.000%	0.000%	0.000%	0.000%	4.619%	4.769%	6.911%	5.528%	2.519%	9.275%	3.980%
Agriculture and Forestry	0.000%	0.000%	0.000%	0.000%	1.325%	0.437%	1.934%	8.144%	5.828%	4.606%	4.902%
Production and processing	0.000%	0.000%	0.000%	0.000%	4.536%	9.707%	10.011%	12.446%	10.565%	10.817%	10.937%

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Construct	0.000%	0.000%	0.000%	0.000%	20.790%	22.498%	12.829%	13.827%	6.893%	5.663%	7.372%
Personal and community service	0.000%	0.000%	0.000%	0.000%	57.715%	50.297%	0.000%	0.000%	0.000%	39.013%	33.583%
Warehousing, transportation and communication	0.000%	0.000%	0.000%	0.000%	4.481%	3.857%	5.080%	4.988%	3.718%	1.775%	3.867%
Education and training	0.000%	0.000%	0.000%	0.000%	0.130%	0.065%	0.154%	0.049%	0.027%	0.436%	0.710%
Real estate consulting and business	0.000%	0.000%	0.000%	0.000%	1.049%	1.690%	0.233%	0.071%	1.638%	3.358%	2.717%
Restaurants and hotels	0.000%	0.000%	0.000%	0.000%	0.745%	1.025%	0.743%	0.757%	0.923%	1.107%	2.696%
Financial services	0.000%	0.000%	0.000%	0.000%	0.463%	0.495%	0.827%	1.818%	0.347%	1.231%	1.061%
Other professions	0.000%	0.000%	0.000%	0.000%	4.146%	5.160%	61.278%	52.373%	67.540%	22.719%	28.175%
total	0.000%	0.000%	0.000%	0.000%	100,000%	100,000%	100,000%	100,000%	100,000%	100,000%	100,000%
DONG EST	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	43.86%	43.43%	44.87%	44.72%	36.77%	29.92%	25.35%	20.64%	0.00%
Agriculture and Forestry	0.00%	0.00%	2.68%	1.78%	2.42%	1.54%	1.53%	5.85%	6.16%	5.26%	0.00%
Production and processing	0.00%	0.00%	16.80%	8.09%	5.81%	7.41%	7.80%	12.56%	13.05%	14.65%	0.00%
Construct	0.00%	0.00%	7.09%	10.10%	16.05%	15.26%	20.01%	23.39%	25.88%	24.29%	0.00%
Personal and community service	0.00%	0.00%	19.58%	27.25%	15.85%	17.64%	23.35%	18.06%	18.71%	2.46%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	0.75%	0.63%	0.54%	0.91%	1.29%	2.17%	1.89%	3.34%	0.00%
Education and training	0.00%	0.00%	0.73%	0.59%	0.39%	0.29%	0.30%	0.38%	0.52%	0.12%	0.00%
Real estate consulting and business	0.00%	0.00%	0.23%	0.96%	5.54%	5.07%	3.10%	2.27%	1.69%	7.78%	0.00%

Restaurants and hotels	0.00%	0.00%	1.31%	0.99%	2.49%	2.19%	0.89%	0.57%	0.55%	2.17%	0.00%
Financial services	0.00%	0.00%	2.58%	0.78%	0.40%	0.19%	1.00%	0.64%	0.53%	0.56%	0.00%
Other professions	0.00%	0.00%	4.40%	5.38%	5.64%	4.79%	3.97%	4.20%	5.68%	18.75%	0.00%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	0.00%
ABB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	38.52%	54.27%	43.15%	0.00%	0.00%	0.00%	0.00%	6.25%	7.11%	14.64%
Agriculture and Forestry	0.00%	1.32%	0.70%	0.68%	0.00%	0.00%	0.00%	0.00%	3.01%	1.66%	5.23%
Production and processing	0.00%	8.64%	7.62%	12.39%	0.00%	0.00%	0.00%	0.00%	32.77%	22.56%	14.09%
Construct	0.00%	25.58%	18.93%	6.26%	0.00%	0.00%	0.00%	0.00%	11.96%	13.45%	12.17%
Personal and community service	0.00%	0.00%	0.00%	34.65%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%	0.05%
Warehousing, transportation and communication	0.00%	4.84%	4.96%	0.00%	0.00%	0.00%	0.00%	0.00%	3.31%	4.59%	5.32%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.19%	1.89%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.73%	5.76%	5.39%
Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.29%	1.46%	0.83%
Financial services	0.00%	0.00%	0.00%	2.88%	0.00%	0.00%	0.00%	0.00%	0.01%	0.79%	0.88%
Other professions	0.00%	21.10%	13.52%	0.00%	0.00%	0.00%	0.00%	0.00%	34.63%	42.44%	39.50%
total	0.00%	100.0%	100.0%	100.0%	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%

ANNEX 3: Proportion of outstanding loans of small-sized banks in the period 2004-2014

Unit: %

OCEAN	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.99%	1.73%	2.06%	0.84%	6.68%	6.28%	4.77%	0.00%
Agriculture and Forestry	0.00%	0.00%	0.00%	13.62%	14.94%	10.03%	6.33%	4.04%	0.79%	0.16%	0.00%
Production and processing	0.00%	0.00%	0.00%	21.30%	10.50%	19.82%	17.20%	34.71%	27.75%	23.11%	0.00%
Construct	0.00%	0.00%	0.00%	8.73%	16.32%	19.98%	22.35%	18.46%	16.96%	20.29%	0.00%
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%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	11.95%	0.75%	3.06%	3.10%	10.22%	9.00%	5.92%	0.00%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.26%	0.38%	0.23%	0.37%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	10.23%	8.53%	3.29%	4.94%	5.57%	12.12%	25.47%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	5.35%	12.69%	8.26%	5.39%	8.16%	4.41%	5.40%	0.00%
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	0.00%	0.00%	0.00%	2.84%	34.54%	33.49%	39.59%	11.78%	22.47%	14.52%	0.00%
total	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	0.00%
PNB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	30.29%	33.52%	34.46%	46.30%	50.13%	44.84%	37.54%	0.00%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.18%	0.05%	0.02%	0.02%	0.03%	0.02%	0.02%	0.00%
Production and processing	0.00%	0.00%	0.00%	0.28%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Construct	0.00%	0.00%	0.00%	11.73%	15.58%	26.99%	25.52%	19.15%	16.63%	17.03%	0.00%

Personal and community service	0.00%	0.00%	0.00%	0.38%	32.67%	22.08%	19.71%	24.37%	27.83%	31.77%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.11%	0.06%	0.03%	0.01%	0.02%	0.00%	0.21%	0.00%
Education and training	0.00%	0.00%	0.00%	0.01%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	3.98%	14.72%	12.46%	5.55%	4.24%	7.08%	9.50%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	0.26%	0.14%	0.58%	0.99%	1.17%	1.59%	2.19%	0.00%
Financial services	0.00%	0.00%	0.00%	1.54%	0.31%	0.60%	0.30%	0.30%	1.20%	1.33%	0.00%
Other professions	0.00%	0.00%	0.00%	51.25%	2.94%	2.77%	1.59%	2.14%	0.82%	0.39%	0.00%
total	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	0.00%
MDB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	10.16%	29.41%	26.07%	7.98%	8.79%	8.12%	8.33%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	42.30%	25.81%	42.35%	34.96%	18.68%	29.64%	30.73%
Production and processing	0.00%	0.00%	0.00%	0.00%	16.70%	4.04%	0.00%	0.00%	6.07%	10.52%	6.57%
Construct	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.95%	10.07%	0.00%	0.00%	0.00%
Personal and community service	0.00%	0.00%	0.00%	0.00%	30.84%	40.73%	0.00%	8.95%	11.91%	7.15%	2.40%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.44%	14.40%	10.88%	0.92%	1.08%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.02%	18.58%	25.95%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	9.46%	0.92%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
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	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	29.18%	23.64%	26.20%	24.16%	24.93%

total	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
OCB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	13.83%	18.43%	4.48%	15.93%	37.11%	28.42%	0.00%	0.00%	0.00%
Agriculture and Forestry	0.00%	0.00%	4.22%	8.90%	2.55%	1.39%	2.89%	2.11%	0.00%	0.00%	0.00%
Production and processing	0.00%	0.00%	5.87%	23.42%	2.19%	12.45%	18.53%	21.07%	0.00%	0.00%	0.00%
Construct	0.00%	0.00%	4.56%	7.92%	4.90%	10.23%	7.10%	6.76%	0.00%	0.00%	0.00%
Personal and community service	0.00%	0.00%	62.39%	30.55%	62.44%	0.31%	5.35%	6.66%	0.00%	0.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	2.56%	4.89%	2.00%	7.78%	7.00%	6.73%	0.00%	0.00%	0.00%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.54%	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%	7.93%	5.69%	6.26%	0.00%	0.00%	0.00%
Restaurants and hotels	0.00%	0.00%	1.56%	0.00%	0.00%	3.16%	3.05%	2.06%	0.00%	0.00%	0.00%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.85%	1.99%	4.64%	0.00%	0.00%	0.00%
total	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	0.00%	0.00%	0.00%
VIETNAM	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	20.76%	34.31%	35.62%	0.00%	7.35%	17.06%	0.00%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	2.26%	2.69%	2.34%	0.00%	0.00%	0.00%	0.00%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.56%	4.82%	0.00%
Construct	0.00%	0.00%	0.00%	0.00%	13.40%	13.10%	19.49%	0.00%	18.88%	22.88%	0.00%
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%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	2.16%	4.87%	5.57%	0.00%	3.24%	3.18%	0.00%