Research on the impact of loan portfolios on profitability of joint stock commercial banks - 16

Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.46%	2.42%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.17%	14.47%	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%	6.54%	1.90%	0.00%
Other professions	0.00%	0.00%	0.00%	0.00%	61.42%	45.03%	36.98%	0.00%	48.80%	33.26%	0.00%
total	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	0.00%	100.0%	100.0%	0.00%
MHB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	30.72%	31.83%	34.83%	37.86%	26.55%	20.00%	18.95%	16.00%	0.00%
Agriculture and Forestry	0.00%	0.00%	12.40%	9.07%	9.02%	5.98%	10.06%	11.66%	10.28%	69.00%	0.00%
Production and processing	0.00%	0.00%	4.58%	10.08%	10.37%	7.98%	9.42%	13.65%	16.05%	0.00%	0.00%
Construct	0.00%	0.00%	28.80%	29.14%	27.82%	28.58%	20.05%	8.00%	9.47%	10.0%	0.00%
Personal and community service	0.00%	0.00%	0.00%	11.48%	11.15%	11.19%	17.79%	20.61%	24.24%	5.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	4.29%	3.45%	3.89%	4.80%	4.76%	5.52%	6.49%	0.00%	0.00%
Education and training	0.00%	0.00%	0.00%	0.10%	0.15%	0.12%	0.66%	0.00%	0.00%	0.00%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	0.31%	1.12%	1.60%	2.69%	0.00%	0.00%	0.00%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	0.49%	0.60%	0.85%	2.55%	0.00%	0.00%	0.00%	0.00%
Financial services	0.00%	0.00%	0.00%	3.17%	0.08%	0.20%	0.41%	0.00%	0.00%	0.00%	0.00%
Other professions	0.00%	0.00%	19.20%	0.86%	0.97%	0.83%	5.08%	20.57%	14.51%	0.00%	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%
KIENLONGBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	12.60%	52.31%	30.69%	34.69%	16.76%	21.57%	18.48%

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Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	31.20%	24.58%	37.27%	32.55%	33.50%	27.92%	24.55%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.57%	0.62%	2.35%	3.50%	2.29%	2.08%	4.16%
Construct	0.00%	0.00%	0.00%	0.00%	2.37%	0.92%	6.23%	10.16%	4.43%	10.32%	10.72%
Personal and community service	0.00%	0.00%	0.00%	0.00%	51.89%	20.81%	20.81%	13.55%	39.52%	35.53%	40.24%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	1.10%	0.61%	1.75%	0.21%	0.10%	0.07%	0.06%
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	0.00%	0.00%	0.00%	0.00%	0.27%	0.15%	0.90%	5.34%	3.39%	2.52%	1.78%
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%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
total	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
PGBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	0.00%	10.0%	0.00%	19.96%	17.84%	22.42%	21.98%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	0.00%	1.00%	0.00%	12.84%	10.75%	13.27%	13.28%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.00%	21.00%	0.00%	35.16%	36.35%	38.65%	31.80%
Construct	0.00%	0.00%	0.00%	0.00%	0.00%	5.00%	0.00%	8.64%	5.88%	6.36%	6.44%
Personal and community service	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.07%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	0.00%	11.00%	0.00%	8.33%	7.37%	4.81%	6.11%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	1.00%	0.00%	0.01%	0.02%	0.10%	0.07%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	3.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	0.00%	2.00%	0.00%	0.71%	0.54%	0.97%	0.15%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.48%	0.00%	0.00%	0.00%
Other professions	0.00%	0.00%	0.00%	0.00%	0.00%	46.00%	0.00%	11.88%	21.24%	13.42%	18.08%
total	0.00%	0.00%	0.00%	0.00%	0.00%	100.0%	0.00%	100.0%	100.0%	100.0%	100.0%
NAMAs	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.59%	9.41%	16.53%	17.24%	18.44%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.86%	1.48%	10.59%	3.05%	1.91%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.31%	12.05%	14.89%	9.01%	6.41%
Construct	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.42%	13.20%	5.66%	8.12%	7.49%
Personal and community service	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	44.70%	40.84%	0.00%	0.00%	4.13%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.72%	6.61%	2.57%	3.87%	2.32%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.94%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.47%	3.60%	26.70%	39.17%	29.82%
Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.95%	1.26%	0.00%	0.00%	21.88%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.81%	0.23%	2.78%	4.19%	3.47%
Other professions	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.02%	11.33%	20.28%	15.34%	3.19%
total	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	100.0%
VIETCAPITAL	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	16.43%	19.32%	0.00%	12.83%	14.20%	0.00%	0.00%	0.00%
Agriculture and Forestry	0.00%	0.00%	0.00%	1.09%	1.14%	0.00%	0.82%	0.53%	0.00%	0.00%	0.00%
Production and processing	0.00%	0.00%	0.00%	4.05%	3.79%	0.00%	18.24%	19.55%	0.00%	0.00%	0.00%

Construct	0.00%	0.00%	0.00%	7.92%	13.70%	0.00%	21.83%	23.19%	0.00%	0.00%	0.00%
Personal and community service	0.00%	0.00%	0.00%	69.05%	59.03%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.83%	2.52%	0.00%	2.74%	2.58%	0.00%	0.00%	0.00%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.07%	0.07%	0.00%	0.00%	0.00%
Real estate consulting and business	0.00%	0.00%	0.00%	0.28%	0.02%	0.00%	6.51%	13.97%	0.00%	0.00%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	0.24%	0.20%	0.00%	1.21%	0.47%	0.00%	0.00%	0.00%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	23.90%	5.17%	0.00%	0.00%	0.00%
Other professions	0.00%	0.00%	0.00%	0.11%	0.28%	0.00%	11.85%	20.27%	0.00%	0.00%	0.00%
total	0.00%	0.00%	0.00%	100.0%	100.0%	0.00%	100.0%	100.0%	0.00%	0.00%	0.00%
SGBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	14.40%	17.71%	0.00%	0.00%	16.53%	13.88%	11.13%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	44.97%	13.82%	0.00%	0.00%	4.42%	6.05%	7.81%
Production and processing	0.00%	0.00%	0.00%	0.00%	7.81%	23.54%	0.00%	0.00%	14.04%	12.62%	13.08%
Construct	0.00%	0.00%	0.00%	0.00%	5.92%	12.70%	0.00%	0.00%	17.45%	17.78%	19.34%
Personal and community service	0.00%	0.00%	0.00%	0.00%	13.44%	14.59%	0.00%	0.00%	6.23%	6.01%	6.60%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	3.82%	7.28%	0.00%	0.00%	3.47%	3.22%	3.04%
Education and training	0.00%	0.00%	0.00%	0.00%	0.06%	0.42%	0.00%	0.00%	0.39%	1.13%	0.65%
Real estate consulting and business	0.00%	0.00%	0.00%	0.00%	0.41%	0.65%	0.00%	0.00%	3.58%	4.18%	2.90%
Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	1.25%	2.14%	0.00%	0.00%	2.18%	2.30%	1.79%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.73%	5.79%	4.83%

Other professions	0.00%	0.00%	0.00%	0.00%	7.93%	7.15%	0.00%	0.00%	23.99%	27.03%	28.84%
total	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	0.00%	0.00%	100.0%	100.0%	100.0%
BAOVIETBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Commerce	0.00%	0.00%	0.00%	0.00%	0.00%	51.72%	47.19%	21.10%	16.53%	0.00%	0.00%
Agriculture and Forestry	0.00%	0.00%	0.00%	0.00%	0.00%	0.72%	1.34%	2.87%	4.42%	0.00%	0.00%
Production and processing	0.00%	0.00%	0.00%	0.00%	0.00%	7.17%	1.11%	3.47%	14.04%	0.00%	0.00%
Construct	0.00%	0.00%	0.00%	0.00%	0.00%	9.37%	23.71%	19.52%	17.45%	0.00%	0.00%
Personal and community service	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.23%	0.00%	0.00%
Warehousing, transportation and communication	0.00%	0.00%	0.00%	0.00%	0.00%	23.86%	0.00%	15.38%	3.47%	0.00%	0.00%
Education and training	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.39%	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%	3.58%	0.00%	0.00%
Restaurants and hotels	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.18%	0.00%	0.00%
Financial services	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.73%	0.00%	0.00%
Other professions	0.00%	0.00%	0.00%	0.00%	0.00%	7.15%	26.65%	37.66%	23.99%	0.00%	0.00%
total	0.00%	0.00%	0.00%	0.00%	0.00%	100.0%	100.0%	100.0%	100.0%	0.00%	0.00%

ANNEX 4: Portfolio structure by term

Unit: %

MBB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0.71	0.65	0.61	0.58	0.65	0.67	0.72	0.73
Medium-term loan	0	0	0.29	0.25	0.28	0.28	0.22	0.2	0.17	0.14
Long-term loan	0	0	0	0.09	0.11	0.14	0.13	0.13	0.12	0.13
TOTAL	0	0	first	first	first	first	first	first	first	first
ACB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0.51	0.52	0.56	0.55	0.46	0.57	0.5	0.52	0.54	0.53
Medium-term loan	0.35	0.34	0.28	0.21	0.21	0.17	0.23	0.26	0.19	0.16
Long-term loan	0.15	0.14	0.16	0.24	0.33	0.26	0.27	0.21	0.27	0.31
TOTAL	first	first	first	first	first	first	first	first	first	first
EIB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0.77	0.55	0.46	0.57	0.5	0.68	0.68	0.66
Medium-term loan	0	0	0.12	0.21	0.21	0.17	0.23	0.09	0.11	0.12
Long-term loan	0	0	0.11	0.24	0.33	0.26	0.27	0.23	0.21	0.22
TOTAL	0	0	first	first	first	first	first	first	first	first
SHB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0.68	0.64	0.62	0.59	0.64	0.63	0.56	0.52

Medium-term loan	0	0	0.32	0.27	0.25	0.31	0.22	0.22	0.22	0.25
Long-term loan	0	0	0	0.09	0.13	0.11	0.14	0.15	0.21	0.23
TOTAL	0	0	first	first	first	first	first	first	first	first
SAIGONBANK	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0	0.71	0.66	0.63	0.65	0.75	0.75	0.74
Medium-term loan	0	0	0	0.2	0.19	0.21	0.2	0.2	0.1	0.11
Long-term loan	0	0	0	0.09	0.14	0.16	0.15	0.04	0.15	0.15
TOTAL	0	0	0	first	first	first	first	first	first	first
EAST ASIA	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0.83	0.76	0.63	0.67	0.65	0.63	0.55	0.58
Medium-term loan	0	0	0.14	0.2	0.31	0.27	0.27	0.25	0.27	0.26
Long-term loan	0	0	0.03	0.04	0.06	0.07	0.09	0.12	0.17	0.16
TOTAL	0	0	first	first	first	first	first	first	first	first
KIENLONG	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen
short-term liability	0	0	0	0	0.77	0.76	0.67	0.75	0.46	0.5
Medium-term loan	0	0	0	0	0.21	0.22	0.25	0.2	0.47	0.46
Long-term loan	0	0	0	0	0.02	0.02	0.09	0.04	0.07	0.05
TOTAL	0	0	0	0	first	first	first	first	first	first

ADDENDUM 5: Proportion of interest income and non-interest income for the period 2004-2014

Unit: %

ABB	2004	2005	2006	2007	2008	2009	2010	2011	2012	two thousand and thirteen	2014
Net interest income	89.97%	62.66%	76.95%	80.41%	82.28%	82.28%	89.93%	101.87%	95.34%	78.84%	88.11%
Net profit/loss from service activities	-1.72%	4.24%	1.33%	6.47%	10.49%	10.49%	9.93%	0.59%	5.59%	6.79%	2.48%
Net profit/loss from forex and gold trading	0.93%	0.20%	0.60%	-1.47%	1.32%	1.32%	-0.51%	-0.80%	-1.69%	1.56%	3.36%
Net profit/loss from trading securities	0.81%	0.00%	-3.07%	-7.33%	0.18%	0.18%	-3.04%	-0.26%	-0.18%	-0.28%	0.03%
Net profit/loss from trading investment securities	9.10%	0.18%	24.21%	13.79%	3.06%	3.06%	2.21%	-2.99%	-0.19%	2.36%	2.84%
Net profit/loss from other activities	0.92%	32.72%	-0.01%	1.99%	0.70%	0.70%	-0.20%	0.16%	0.18%	9.97%	2.56%
Income from capital contribution, share purchase	0.00%	0.00%	0.00%	6.15%	1.97%	1.97%	1.69%	1.43%	0.95%	0.76%	0.61%
Total operating income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Operating costs	39.38%	21.89%	34.70%	73.15%	41.94%	41.94%	43.82%	47.13%	61.21%	66.92%	65.58%
Profit Net operating activities before expenses Provisions for credit risk	60.62%	78.11%	65.30%	26.85%	58.06%	58.06%	56.18%	52.87%	38.79%	33.08%	34.42%
Provision expense for credit risk	5.42%	11.17%	10.56%	7.43%	8.82%	8.82%	6.96%	31.02%	9.47%	21.48%	25.46%
Total profit before tax	55.19%	66.94%	54.74%	19.42%	49.24%	49.24%	49.22%	21.86%	29.33%	11.60%	8.96%
Profit after tax	39.74%	48.20%	38.37%	14.75%	37.19%	37.19%	36.92%	16.71%	22.17%	8.81%	6.93%
Profit after tax of shareholders of the parent bank	39.74%	48.20%	38.37%	14.75%	37.19%	37.19%	36.92%	16.71%	22.17%	8.81%	6.93%
Basic earnings per share (VND)	45.29%	0.80%	289174.35 %	61751.67 %	0.13%	0.13%	0.10%	0.00%	0.00%	19117.03 %	0.01%