Chong Bank profit margin.

Read the E-paper only reach 20-30% despite the prognosis results in 2013 would not like the wish and expectations when leaders of the banks were playing a message can only fulfill the 40-50% of the target of profit making.

However, the total profit of NH in 2013, including some big BANK has just been announced as well can only reach 20-30%. Election Petition as Eximbank just raised to at least 2013 fiscal fourth quarter, with losses of 222 billion. The total net profit from my dinh quarter 2013 of Eximbank Sonic 208 billion, compared to a positive level of 452 billion the same period the previous year.

This is the first time since listing shares on the stock market, Eximbank reported losses. The Eximbank is just complete 30% target profit making is seen as quite a surprise to not a few investors and the market. By earlier, Mr. Le Hung Dung, Chairman of Eximbank rứa vowed to complete 50% of the target profit. Vehicle Phuot sewn in the fourth quarter of 2013, the ACB was also the hole nearly 293 billion, according to the out of the newly unified financial banker announced.

The root causes makes this hole mostly ACB income net margin, which occupies most of the revenues, down 45%. Investment Forex and gold Palace of ACB quarters is also 34 billion holewhether you 2 between last year, this newspaper has more than 100 interest rate N.

H. Billion from my dinh Forex and gold. In parallel, the losses from investment securities in this quarter of the ACB was also up to 75 billion. Compared with the same period last year, net profit of the ACB remains five percent increase, reaching approximately 825 billion. However, the ACB's bad debt rate has significantly increased 3% by the end of 2013 compared to the 2.

5% by the end of 2012. More notably that was in that debt is likely to take the capital of ACB has risen to 85%, increased more than 3 times in the fourth quarter of 2013. In addition, ACB, Eximbank also does little BUT couldn't complete the target of profit making, BIDV, VietinBank, VCB exception. Results of dinh years DongA's slump also strong that this BANK can not fulfill targets.

Specifically, DongA construction target of 1,000 billion pre-tax profit for the year 2013 (this level has dropped by 500 billion compared with the target of a year ago), but the 3 first quarter of 2013 DongA only achieved 50%. Basis due to the credit is due to relatively low growth, only a few percent. But to this moment not yet announced fiscal fourth quarter at least, but the ability to DongA Bank target profits made in a year is very difficult, because of the low growth credit.

Reference here plummeting new norms ACB said, expected to boost credit growth is not possible, despite interest rates rising and the abundant capital resources. Last year, the credit of the ACB is only growing more than 4 percent, while bad debt up 3% level and focus largely on bad debt are likely to lose capital.

That is also the reason forcing the ACB tighter control in the process of credit growth should revenues from this activity contributed to the profit decline. Profit before tax of the ACB has declined nearly half in comparison with the target build, click here song when asked about plans for 2013, the leader of the NH said this "could not be expect to be high-profit figure this year because of credit still difficult".

Reality of profits made in the past year fell quite sharply, industry activity in this year's precautions, many challenges, especially with credit. According to business standards of 2014, the Eximbank intends to have pre-tax profit of 1,800 billion; bad debt ratio controlled at the level of 3% and a dividend plan at 8.

5%. If compared to the profit gain last year, Eximbank set goals for the year rising 600 billion. The reality shows, the difference between the interest rate and loan financing is now considerably narrower contraction caused revenues from lending is no longer contributing much to the profit of the Eximbank as before.

It was demonstrated through results of dinh in the years of the Eximbank; ACB, the fourth quarter net profits from trading fell.

Presiding BOARD of Eximbank, Mr. Le Cavalier, hung said, the difference between capital mobilization and lending only ranged 1. 5-2%, just enough to offset the cost of the operation was very difficult to expect high returns. In the past year, the Eximbank credit growth above 11%, but profits for the whole year just completed was 30% reflected partly that.

Also with Sacombank, while credit growth as well as the profits reach last year's incredibly positive when this bank collect about 2,800 billion profit before tax and credits increased By 13%, climbing on macaroni but profit targets for this year of Sacombank also pointed at 3,000 billion and the head of the BANKMr.

Pham Huu Phu, presiding BOARD, said, to devise indicators on BOARD, has been considered, because in the context of the market now is hard to expect high profit goals. The NH has always been considered excellent in the completion of the target profit making like VCB,, BIDV, VietinBank MB also considered when planning for the new year.

Notably is since the time of the economic downturn that occurred in 2008 to date, the target profit for the next year of the NH is usually only in the previous year.

Such VCB, 3 years now so little profit targets unchanged, reclining tilt from 5,500-5,700 billion before taxes for each year of operation.