Mục lục
Chương 1: Mục lục
1.1 Đặt vấn đề nghiên cứu
1.2 Mục tiêu nghiên cứu
1.3 Phạm vi nghiên cứu
1.4 Lược khảo tài liệu
Chương 2: Phương pháp luận và phương pháp phân tích
2.1 Phương pháp luận
2.1.1. Một số vấn đề về phân tích hoạt động kinh doanh
2.1.2 Tổng quan về ngân hàng thương mại
2.1.3 Hoạt động huy động vốn
2.1.4 Hoạt động tín dụng
2.1.5 Thu nhập - chi phí - lợi nhuận của ngân hàng
2.1.6 Các chỉ tiêu đánh giá hoạt động kinh doanh của ngân hàng
2.2 Phương pháp nghiên cứu
Chương 3: Khái quát tình hình hoạt động của ngân hàng nông nghiệp và ptnt sóc trăng
3.1 Quá trình hình thành và phát triển ngân hàng
3.2 Cơ cấu tổ chức và các phòng ban trực thuộc
3.3. Tình hình hoạt động kinh doanh của ngân hàng 3 năm qua
3.4 Những thuận lợi và khó khăn của ngân hàng nn & ptnt sóc trăng trong những năm qua
3.5 Phương hướng và mục tiêu hoạt động trong năm 2010
Chương 4: Phân tích kết quả hoạt động kinh doanh của ngân hàng
4.1 Phân tích tình hình huy động vốn
4.2 Phân tích hoạt động tín dụng
4.3 Một số hoạt động dịch vụ
4.4 Phân tích kết quả hoạt động kinh doanh
CHương 5: Một số giải pháp nâng cao hiệu quả hoạt động kinh doanh
5.1 Công tác huy động vố
5.2 CÔng tác tín dụng
5.3 Về phát triển sản phẩm dịch vụ, công nghệ thông tin
5.4 Nâng cao chất lượng đội ngũ cán bộ ngân hàng
CHương 6: kêt luận và kiến nghị
6.1 Kết luận
6.2 kiến nghị
88 trang |
Chia sẻ: lvcdongnoi | Lượt xem: 2879 | Lượt tải: 1
Bạn đang xem trước 20 trang tài liệu Phân tích kết quả hoạt động kinh doanh tại ngân hàng nông nghiệp và phát triển nông thôn Sóc Trăng, để xem tài liệu hoàn chỉnh bạn click vào nút DOWNLOAD ở trên
+[Iqk2B*6n[2[nDFCAAGB$AE2&.AE(B7G&z&.1AE
FC A &.$AE F+ B0A BE :+ o2oIC*$ 756 &JAB BJAB FC A &B B=A 7C
&.AEl&BAE7$A;6D(*B0B7T&."&BJFCAAEAB0A78C&
BE& $270&6Wk2[kI-CA&.$AEF+B0A&$'(BB AEC&(*B0BABCAE
SAE78B+A&B+AB7C&z:={6W(B:+q2[oI
\9P9\95g[K
Qb&W6B&CEAB+AEA+FY&B\"<AB"'&B*$<A2(B&*AB+ABb&@A
FUAE 7V$6AE6$<A &B$ 7C A + :8 7RAE B0AI)B 7GAEB=U b &@A
FUAE6D7C956:+B+A&b&+CEAB+AE6D70&7C6U7@B!"6JAB
:+&0.":AB$4A&\b&@AFUAEI
C#$B0A2A(BG7N:+ABZAEMD$B=A.fA&!"Bb&:CAE&@AFUAEI
)BB&ABA#$B0ASAE7^AEAEBX"D(BAA"'!"CEAB+AE78MO
.!.IsJ4'CEAB+AEABA&J6."AE$' AABAB&ABA#$B0A
7^AE&B/&J6."EAB7DB0AB*A#$B0A2AB|6EA6&BD$.!.B
CEAB+AESAEABCAAE"B=$#$AB0&7BAEBCEAB+AEI
.Y?.0a,
D.~:0LK
1
.MN?. '4:0H,
:)W,-
`a
>N:B
*,5 b9ibCX}p b9bi}XCi CppXpp }iXpp
CEAB0A [Iool2no [Iqk2[ n[2[n k2[k
.$AE2F+
B0A
Ipo2o nlo2qq o2o q2[o
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-fP
"B8'9569&b$&z&.1AE!"A9b$&B5&B/B0AB"'#$"MD$
7^"$
C;6qC;6nC;6p
BQ,.C\O:)W,-,5g[K:.M:.v0.N,:
,<=PppixPpp}
"&Bb'&z&.1AEA9b$2&"&Bb'7<DBJAB&BWB"'AEAB0AB*6
&z&.1AE"BAI$'AB A2AGG9$BCDAEEA6FA#$"A;6I\nk2o
&.AEA;6qEA69$<AENAlk2k &.AEA;6nIF"AEA;6p2 :0
&* &U EA6 ABa 9$<AE NA l2pI . AEC D BJAB &BW AEA B0A2 &z
&.1AEA9b$7<D(BAA&@AFUAE&.$AEF+B0A:0&;AE: A#$"A;6I
B*6BE&\q&.AEb$A9b$&;AE: A6Wkl2ln{A;6q2.^: A
kq2{A;6pIJABBJABA9b$U&BDABC"$
<D&JABBJABA9b$AEAB0A: A&UEA6#$"A;6IU&BD2A;6
q70&<&VA:+[o2qk&z7^AE2B*6BAn&.AE&mAEA9b$IBJ"AE
A;6nEA6BENApp2q&z7^AEI&VE&.O&$'=&7<2A<EA67:+
[l2k &z 7^AE2 9& V E &.O &CAE7<2 &z := EA6{6W n2qk D A;6
qI )B AE AE\AE { 7G2 A 9b$ AEA B0A &* &U 7+ EA6 9$<AE BE NA
[2lq&z7^AEI<7BEA6&.AEA;6A+'&;AE"BADA;6&.CD270&
6Wn2olIA < &$'=& 7< EA67 &CAEWAED oq2k &z7^AEIcTFY
F"AB<B"'AEAB0A{6W"ABCAE&z:=A9b$7<DBJAB&BWA+'
:0EA6FA#$"A;6IV$A+'B&Bb'BJAB&BWB"'AEAB0A@&&V6
tA.!.IB@ABJ4'&"&Bb'CEAB+AE78GBCDAE&4&.$AEB=$#$A(B7$
&CABV$+:0A+'IQ A0AB7GSAEB&Bb' AE&&Bt67OABFA
B"'AEAB0A!"CEAB+AE7870&B=$#$ABAI
lk
kq
nk
q
CEAB0A
.$AE2F+B0A
lk
kq
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-fS
.AECD &JABBJABA9b$AEAB0A : A &UEA6#$"A;62A
9b$&.$AEF+B0A:0G&;AEEA6IC;6n2A9b$&.$AEF+B0A&;AE&\
[p2[[&z7^AE{A;6q: A6Wo2q&z7^AEI<7B&;AE: A&Dkk2p[I
$'AB A2 &JABBJABGr:0#$"ABA(BMCD"AEA;6pA9b$EA6
9$<AEBENAn[2o&z7^AE&CAEWAED&<7BEA6:+q2[IC9b$&.$AE
F+B0A&;AE: A{A;6n.^EA69$<AE{A;6p7G:+F&JABBJABB
"':0A+'&;AE: A&.AEA;6nABCAE AE&&B$A:0EA69$<AE2NA
&.AEA;6pB"'&.$AEF+B0AEA69$<AEABCAE&JABBJAB&B$B^A:0
&BB=A&<&A A&;AE: AIcTFYB"'&.$AEF+B0ABEB*6&z&.1AEABL
ABCAE7<DA9b$&BJ:0A+':0B*6&z&.1AE&CAE7<"IV$A+'B
&Bb'BJAB&BWB"'&.$AEF+B0ABW"7AEABV$.!.BADB"'
AEAB0AIsJ4'6+7<D:0A+'2CEAB+AEr&Bt67OAB+AE:1tA&B4A
7DG&BDEA6.!.9$<AE6W&BbABb&G&BDI
@e,-zOQ,..Q,.,5g[K-0G0>MN,f:.;,->rK,<=Ppp}xPpCp
&&z7^AE
C67B8+'
.AE l &BAE 7$ A;6 2 &mAE A 9b$ 6+ CEA B+AE 6 BA :+
lo2l[&z7^AEIFDYAE(A;6p2A9b$EA672ln&z7^AEV6T&
E &.O &$'=&7<2 NAVA< &CAE7<2 &z :=EA6 :+2opI.AE &mAEA
9b$2A9b$AEAB0AB*6<&VA:+[2ko&z7^AE2D&z&.1AE&CAEWAE:+
lk2I&VE&.O&$'=&7<EA62oq&z7^AE&CAEWAED&z:=:+p2pn
D&JABBJABA9b$!":0BJABAEAB0AYAE(A;6pI.AE(B7G
A9b$&.$AEF+B0AB*6q2D<&VA&CAEWAE:+l2p&z7^AEIC
f:.;,-Ppp}
f:.;,-PpCp
D.L,.`a?.
D.~:0LK '4:0H,
:)W,-
'4:0H,
:)W,-
'4:0H,
`a
5g[K CfzXSP CppXpp CfbXf\ CppXpp PXfz CXb}
CEAB0A o2p ln2nq [2ko lk2 e2oqi ep2pni
.$AEF+
B0A
o2[ k2k l2p q2 n2np l2pq
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-f\
9b$&.$AEF+B0AG&;AEABaDYAE(A;6AE70&6Wl2p&z7^AE2
D&<7B&;AE&CAEWAE:+l2pq
\9P9b9D.~:0LK:0LK>;,.-0;.0aKdKe:/,cs,-
CE+=BA&@BBE& $ABCAE$^A<A2F"AB<B"'2F"AB
<&B$A2FCA+A9b$&BJ7D&Bb'.fBAB=$#$AB0&7BAE&@AFUAE!"B
ABAB&"BA&@BBE& $"$
@e,-}OD.~:0LK>;,.-0;.0aKdKe.MN:>],-:/,cs,-
C67B8+'
G`ac*,5:)L,I4,.K7>],-O
BE & $A+'BAAABB=$#$A gFUAE<A!"CEAB+AEIAGER
AB(BAA;AEB"'7<DAE$^A<AB$'7BAE7C2BBRAE&"M*&B0&
7BAE!"CEAB+AEG&4&.$AE+B0&7BAEbB&&@AFUAEB"'(B AEI
.AEM"A;6#$"&JABBJABgFUAE<AB$'7BAE!"AEAB+AE(B&<&I
z:=A+'&;AEFA&\2kp:A{A;6q: A2[n:A&.AEA;6nI*AA;6
p&BJ&.AE27^AEFCAG7^AE<AB$'7BAE2EA6DA;6nI
<Dl &BAE7$A;62 &z:=FCA&. A<AB$'7BAE{6W2o:AI
CBJAB$AE2&\A;6q7*AA;6p+E"70Al&BAE7$A;62&z
:=FCA&. A<AB$'7BAE7V$"BAIV$A+'B&Bb'&<7B&;AE&.C{AE
FCA.b&&<&IG:+AB/+B@ABB6{.BAEB0&7BAE&@AFUAE27"F0AE
D.~:0LK Pppi Pppz Ppp}
f:.;,-
PpCp
-"AB<B"' z7^AE pInp2ln oIkl2k Ikk2kl oIkk[2nk
-"AB<&B$A z7^AE nIkn2po [Inkk2lp Inq2o[ [Ip2[
-CA z7^AE [I[kn2l [Ipl[Ilq oIp2[p oIoqp2q
-CAMJAB#$A z7^AE kIqo2[ [Iq2kq oIkq2n [I[ll2[
C9b$ z7^AE po2q ko2kl l2n loIl[
s<AB$'7BAE z7^AE Inok2[l Ippp2p Io[o2[ I[nk2o
-CAs<AB$'7BAE ]A 2kp 2[n 2 2o
sNAE#$"'<A&@AFUAE NAE 2l k2l 2 2
d=<&B$A no2kq pl2oq pn2l p2nn
C9b$-CA l2lo l2k[ [2[[ 2pl
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-fb
BJAB&BWB"'&.AE&AE:D(AB&*!"CEAB+AE7WAE7CAB$
$7"F0AE!"(BBB+AEIDG7C(*&#$AABC4'2CEAB+AE78FUAE
ABV$M=AB:ABB0&7D&B$BR&AE$^A<A+7C"."6W:8B"'BY
B7D&B$BR&&AE:DFAC&.AE98BB7*A"'<AICEAB+AE78B&
B$'B=$#$AAE$^A&VAAB+A.K&\FAC+&mBW(AB&*I
{,-dKG7I4,:/,cs,-
BE& $A+'7 :C/AE&<7B:$AB$'DA<A&@AFUAE2BAAAB &<7B
&B$B^A!"AEAB+AE:+AB"ABB"'B46IIC*$<:ANAE#$"'<A&@AFUAE
+AE"&BJ7^AE<A!"CEAB+AE#$"'+AEAB"AB2:$AB$'DA: A&U70&
B=$#$A"IBE<A+'+AE:DA&BJ+AEG:BCEAB+AEI
,$"MAAE<:=$&. A2&"&Bb'NAE#$"'<A&@AFUAE!"CEAB+AEG
M*A7BAE&;AEEA6(B AEmA7OAB#$"A;6IC;6q:+2lNAEIF"AE
A;6 n :+ &;AE : A 70& k2l NAE2 &;AE 2p NAEI *A A;6 p :0 EA6
9$<AENA2NAE2EA62plNAEDA;6nI AE7<Dl&BAE
A;6 2 NAE #$"' <A &@A FUAE BE NA 70& 2 NAEICBJA B$AE2 NAE
#$"'<A&@AFUAE!"CEAB+AE&.AEE"70A#$"70&7C&CAE7<B46I
$' &B*27V$A+'BC" &BDB=A7CB*& B=$#$A!"#$ &.JAB :$AB$'DA
<AIsJA*$NAE#$"'<A&@AFUAE{6W&CAE7<ABCAE:AB$4A6"AEV
{6W"&BJA7C956ABC70&B=$#$AI
?Ba_4:.K,5
BE < A+' BAA AB B0& 7BAE &B$ B^ A !"CEA B+AE 7< D
(:BAAB"'B"'(BAA;AE&.AA!"(BBB+AEBCEAB+AE2BM*&<
&VACEAB+AE~ &B$7C &.AE&B/(ABb&7OAB &\6B&7^AEF"AB<B
"'Id=<A+'B&"&Bb'&JABBJABB0&7BAE!"CEAB+AEG70&B=$#$A
B"'(B AEId=< &B$A+AE"+AE7C7ABE &<&2B &Bb' &*A &.JAB
AE&&B$B^A!"CEAB+AE&BB=A&<&I
,$"MAAE&. A&"&Bb'&JABBJAB&B$A!"CEAB+AE:$ A70&6W"+
7CA &B=A#$" &\AEA;6IC;6q2B= < &B$A!"CEAB+AE {6W
no2kqI F"AE A;6 n2 &z := A+' 7C AAE : A 6W BA p2 U &BD 70&
pl2oqI)B AEF\AE{7G2B=<&B$A:0&*&U&;AE&.AEA;6p: A6W
.b&":+pn2l2&;AEABa2kDA;6nI*Al&BAE7$A;62
&z:=A+'A7WAE{6W"6TFYGEA67 BR&DA;6\"#$"I70&
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-ff
p2nnICBZAE(*&#$A70&7C.b&"&.AE&B/E"A#$"BBRAE&"&Bb'
6B&7V$ .|AEF6GA"'!"CEAB+AE &.AEE" 70AA+'B!'*$ :+
AEAB0AA A6GA"'A+'7B0A&.AEA;6I6GA"'B!'*$:+AEA
B0AA A .!. @&+ &B$B^AAE"'&.AEA;6IQ A0AB7G &"NA&Bb'7C
.|AECEAB+AE78&BB=A&<&&\(B$:"B1A(BBB+AE7*A9&F$'=&B
"'+&B$B^A(B7*AB0A7^AE&B/ AE&&B$A7CBABABEAD
&.BAB=6!"&\AEAMB&@AFUAED&\AE6GA"'6+6JABBU&.BA A
&JABBJABA&B=A.b&7AE(DI'&B4&:+6B&(*&#$A(BA#$"A+A&*
&UB&B$'BAAZ"&.AE AE&&B$A(BBB+AE!"CdC?CFG
.;AEAB|67A6MAAE$^A<A6+CEAB+AEML."&B$B^7CAB"ABBGAE
+B=$#$AI
c`a,5g[K:)L,c*,5O
':+BE& $BAAAB.fABb&V&z:=.!.B&AB&.AE6GA"'
!"BABAB2AG&BDB=A(BAA;AE6+<A7$&C!"BABAB(B AE&B$B^
7RAEB0ABTG(BAA;AE6b&<AI'SAE:+BE& $FYAE7D7ABEBb&
:CAE&@AFUAE!"6B&CEAB+AEI
CBC78&Bb'{MAAE<:=$2&z:=A#$B0A&. AFCA!"CEAB+AE: A
&UEA69$<AE#$"A;6I\6Wl2lo{A;6qEA69$<AENAl2k[
&.AE A;6nI*A A;6p2 &z := A+' BE NA[2[[IT M=& :+ &.AEl
&BAE7$A;62 &z := A #$B0A &. A &mAE FCA BE NA {6W &Bb :+
2pl2D(*B0B7T&.":+&BbBAo&BJ956ABC&z :=A+'7870&BE
& $.b&&<&Is=&z:=A9b$&. A&mAEFCA!"CEAB+AE: A&UEA6:+6B&
7V$.b&7AE6\AEIV$7GB&Bb'Bb&:CAE&@AFUAE!"CEAB+AE&.AE
ABZAEA;6#$":+.b&&<&2.b&B=$#$AIcTFY#$6 &@AFUAE!"CEAB+AE
AE+'+AE7C6{.BAEBAABCAEBb&:CAE&@AFUAEA:$ A7C7A6MA
.b&&<&IG7C7C(*&#$AABC4':+FQ"A:8ABCEAB+AE:$ A&.1AE
+&BC/AE9$' AABAB{&.AE AE&B"'2&\AEBE& $2AB=6UU&BD
7CBA AE7'7!2.f.+AE+B:@YAEDABZAEB*7BC$782(B$'*A
(B@BAMBABA A<EAEBN"A&B+AB&<&AB=6U7CE"IB@ABJ&B*
6+ AE&&@AFUAE&0CEAB+AE7C(D6&BT&B~FA7*A&z:=A+'
EA6#$"A;6I':+ABZAEAK:.b&7AEEBAB4A&.AE AE&AAE
"Bb&:CAE&@AFUAE!"CEAB+AE&.AEABZAEA;6#$"I
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-fi
\9S92]:_4.MN:>],-c?.Is
\9S9C90,.cMG,.,-MN0:a
d0&7BAEFOBU:+6B&&.AEABZAE&B$AB4AE+:8$b&2B0&7BAEA+'
6"AE:0AE$^A&B$(B AEABLBCEAB+AEICB4A&Bb'7C&6#$"A&.1AE
!"B0&7BAEFOBU2CdC?CG&.;AE78&;AEC/AEAAE"Bb&
:CAEFOBUB(BBB+AEABCF$'&.J+&*&UA&*AAABt6FOBU
&.$'VA&B<AEABC)ABF"ABAE0&=2B0&7BAEFOBU&Br2h
F"$7'2&"B8'YAE&J6BD$B0&7BAE!"6B&<FOBU"$
@e,-CpOQ,..Q,.V0,.cMG,.,-MN0:a?FG-w,.6,-:
PppixPpp}
I:O:)0aK'
C67B8+'
BQ,.CbOQ,..Q,.=KG{;,,-MN0:a?FG-w,.6,-dKG{G,<=PppixPpp}
Pppi Pppz Ppp} PppzPppi Ppp}Pppz
c$"MAAE0&= F<&VA
z:=
ei
F<&VA
z:=
ei
c$"+ 2q q2p k2k e2koi e2i en[2lpi e[2qki
QA." 2 pq2np k2k e2ki eo2nli eq[2qli ekq2qni
Iq qIp
kIk
AA
ABB
A
A
q n p
<=
D
E
F
c$"+
QA."
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-fz
.AEA;6q2CEAB+AE78&BB=A6$"AE0&=+70&2q&.=$
vF-+MA."SAEDA<9b9E<6$"+:+2I"&Bb'&z:=F"AB
<MADF"AB<&B$6$"70&.b&"IF"AEA;6n2&JABBJAB&B$6$"
AE0&=GEA67 BR&IU&BD2F"AB<6$"+70&q2p&.=$vF-2EA6
2ko&.=$vF-&CAEWAED&z:=:+2DA;6qI<D&JABBJAB
AE0 &= MA ." 70& pq2np &.=$vF-2EA6o2nlVE &.O &CAE 7<2 2k
&.=$vF-VE&.O&$'=&7<Iz:=AE0&=MA."DAE0&=6$"+&Bb
BADA;6qIJABBJAB&B$6$"SAEABCAE0 &=MA ." :0 &* &U
EA6&.AEA;6p2F"AB<6$"+BENAk2k&.=$vF-+F"AB<
MA ." BE { 6W k2k &.=$ vF-2 :A :C& &CAE WAE D &< 7B EA6 :+
[2qk+kq2qnI$'AB AA*$9569& &z:=MA."D&B$6$"&BJEA
ABCCEAB+AE78MA."EAB*&<AE0&=&B$6$"&.AEA;6pIJABBJAB
(ABF"ABAE0 &=EA6FA#$"A;6FB0&7BAE(BG(B;A2 &BO &.C/AE
&VA&=(B AEmA7OAB2B AB:=B"EZ"&zE&BO&.C/AE&F+EA 6'*&
!"CEAB+AE2 AE&'9$b&(Bt$B$'DA &B"AB &A+MAAE0 &="AE
AEAB+AEGBK&.&zEM|AEE&BO&.C/AE&FI
@e,-CCOQ,..Q,.V0,.cMG,.,-MN0:a?FG-w,.6,-
-0G0>MN,f:.;,->rKPpp}xPpCp
&&.=$vF-
C67B8+'
<Dl&BAE2&B$6$"AE0&=70&6Woq2&.=$vF-2+F"AB
< MA ." 70& oq2o &.=$ vF-I F D YAE ( A;6 AE &BJ &JAB BJAB (AB
F"AB AE0 &= G &;AE &.C{AEIU &BD2 F"AB <6$" + &;AE q2ol &.=$
f:.;,-
Ppp}
f:.;,-
PpCp
D.L,.`a?.
c$"MAAE0&=
F<
&VA
z:=
ei
c$"+ p2lo oq2 q2ol p2pn
QA." p2op oq2o q2[l p2n
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-f}
vF- &CAEWAED &<7B &;AE : A &Dp2pnINAF"AB<AE0 &=MA ."
&;AE&.C{AED&<7B&BbBA6B&BR&:+p2nIF<&VAE"&;AE: A:+q2[l
&.=$vF-Dl&BAEA;6pI)B6+AABBC{AE&\(B!AEBAAE(AB&*
78GBAEA6MD& &BJF"AB<AE0 &= &B$6$"SAEABCMA."78GFb$
B=$&;AEDYAE(A;6\".^I
\9S9C9?.Is:.
BQ,.CfOQ,..Q,.D.;:.6,.:.?FG-w,.6,-:
PppixPpp}
,$"MAAE<:=$&"&Bb'2<&BrB&B+AB&.AEA;6nGEA6R&
D A;6qI F< :CAE &Br B& B+AB BE 70& lIqn &Br2 < :CAE EA67 :+
oIk&Br &CAEWAED &z := :+[k2llI$'AB A&JABBJABB&B+AB&Br78
7C (B BU &.AEA;6pI\ < :CAE BE :+ lIqn &Br AAE : A &B+AB
pI[l&Br{A;6A+'I<7B&;AE(B"270&nn2[[&CAEWAED<&Br
E"&;AE: A&DIlqn&Br2EAEb7 <:CAE&BrB&B+AB&.AEA;6nI
-&;AEC/AE AE&B&&.DAFOBU&Br2&BB=A&<&B0&7BAE&$' A
&.$'VA#$AAEMAABt6FOBU&BrA A&.AEA;6A+'<:CAE&BrB&
B+AB&;AE"I
p[
lqn
p[l
o
o
o
q n p
<=
.
F<&Br
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-ip
BQ,.CiO'4:.D.;:.6,.:)M,-f:.;,-,<=PpCp_MIJ0V1.MN?.
)*B0B6+CEAB+AE7T&."&.AEA;6:+B&B+AB<:CAE&Br:+
I[n &BrIJABBJAB &BB=A AE &B&B+AB&Br &.AEl &BAE7$A;6
A+'70&qIqlp&Br2A*$D(*B0BBE& $7T&."&BJCEAB+AE78B+A
&B+ABD&z:=70&{6W(B":+q[2kIcTFYBE6D77CAg"BTAE
7C/AE!"A;6ABCAE=B+A&B+AB{6W"D(*B0BB&Bb'
<:CAE&BrB&B+AB&.AEA;6A"'2B&Bb'(BAA;AEB+A&B+ABBE& $7T&
.":+.b&"I
\9\9.w,:/?.V1:dKe.MN:>],-V0,.cMG,.
@e,-CPOQ,..Q,.V1:dKe.MN:>],-V0,.cMG,.?FG-w,.6,-dKG
{G,<=:
PppixPpp}
&.=$7^AE
C67B8+'
PppzPppi Ppp}Pppz
D.~:0LK
<=
Pppi
<=
Pppz
<=
Ppp} '4:0H, '4:0H,
y,-:.K,.^D \}}9pff z}}9CCz zpp9zp} \pp9pbP zpXCf }z9Sp} CpX}S
B$&\B0&
7BAE&@AFUAE
[[kIp qp[Iq [plInk koIqn qp2 epnIlqi ekq2oni
B$&\BB0&
7BAE&@AFUAE
ooI[l [I[n k[Iql [pIq np2ko Ikn p2nk
y,-?.0D./ \Sz9bzC z\C9ibi iPz9}}} \pS9Cif }CX}S CCP9ibz CbX\i
BB@B0&
7BAE&@AFUAE
kloI lnqIpnl [oIkq kIqnl nn2kp eqIllpi ekp2lki
BB@BB0&
7BAE&@AFUAE
qkIkn okIqq kkIln nIkp p2oo opIp k2pp
50,.K^, fp9\zb bi9SfC iC9zCp S9CPS bXCf C\9\\} PbXC}
qqlp2
nn
[n2
l&BAE
BANA:0
D(*B0B
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-iC
@e,-CSOQ,..Q,.V1:dKe.MN:>],-V0,.cMG,.?FG-w,.6,-
-0G0>MN,f:.;,->rK,<=Ppp}xPpCp
&.=$7^AE
C67B8+'
\9\9C9 .K,.^D
?BA &@B &B$ AB4 :+6B& BA (B AE &BD &B*$6+ NA .b& #$"A &.1AE
&.AE=BA&@B(*&#$AB0&7BAE(ABF"AB!"AEAB+AE&BCAE60IsJ
&B$AB4:+6B&BE& $AABBC{AE&.&*+#$'*&7OAB7*A:AB$4AB"'7*A
(*&#$AB0&7BAE(ABF"AB!"AEAB+AEIs=BA &@B &B$AB4~ER
BRAE&" &Bb'7C&JABBJAB2b$&B$AB4+7TM=& :+ERBRAE&" &J6
BD$297OAB7CABZAEAE$' AABA&7BAE7*A&B$AB4!"AEAB+AEI
\7G2BRAE&"~GABZAEM=AB7D:+6&;AE&B$AB42EGBAAAE"
:AB$4ABAEAB+AEI
G.K:
.MN:>],-:/,cs,-O
SAEABC&b&AAEAB+AE&BCAE60(B&BJ(BAA&B$B!'*$+
:$ AB*6&z&.1AE"&.AE&mAE&B$AB4!"CdC?CFG.;AEB@AB
:+&B$&\B0&7BAE&@AFUAE6+U&BD:+&B$&\:8B"'I-7G2&<7B&;AE
D.L,.`a?.
D.~:0LK
f:.;,-
Ppp}
f:.;,-
PpCp '4:0H,
`a
y,-:.K,.^D Sfz9bSP bCf9}Ci CbC9Szb \CXpz
B$&\B0&
7BAE&@AFUAE
Ikpo kkIkp Ippq oq2[
B$&\BB0&
7BAE&@AFUAE
oqIkq n[Ioo qIknn q2[k
y,-?.0D./ SSi9bfz \fC9}fS CP\9S}b SfXzb
BB@B0&
7BAE&@AFUAE
kIo oI[kn pI[kk o2k
BB@BB0&
7BAE&@AFUAE
lIoqk pIoo [nIpo k2[p
50,.K^, Sp9}f\ b\9}b\ PS9}}p iiX\z
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-iP
&.C{AE&B$AB4{(BAA6UA+'SAEED&<7B&;AE&.C{AE!"&mAE&B$
AB4I
BQ,.CzO.K,.^D:
.MN:>],-:/,cs,-:
PppixPpp}
B$AB4 &\B0&7BAE &@AFUAE!"CEAB+AE &.AE &B/E"A#$"G
&;AE EA6 (B AE mA 7OABI .AE A;6 q2 AE$^A &B$ A+' 70& [[kIp &.=$
7^AEIF"AEA;6pG&;AE&.C{AE60AB6~: Aqp[Iq&.=$7^AEI<7B
&;AE&.C{AE70&6Wqp2I&VE &.O &$'=&7<2< &VA &\AE$^A&B$A+'
&;AEkoIqn&.=$7^AEIF{FX&<7B&;AE&.C{AE&B$AB4&\&\B0&7BAE&@A
FUAE&;AE(B"ABC4':+FCEAB+AE78(*&B&B+AB AEEZ" AE&
6{.BAE&;AEC/AEB"'+ AE&(D6&."27 A7<&B$:8(BAA"'
7RAEB0AIcT&(B2F"AB<B"'&.AEA;6n&;AE: A&.AE7GB"'
AEAB0AB*6&z&.1AE"2(BAA;AE#$"'NAE<AAB"ABA A6B&BASAE
78:+B&B$&\B0&7BAE&@AFUAE&;AE: AIF"AEA;6p2&B$&\&@AFUAEG
:0GEA6R&DA;6n2&\qp[Iq&.=$7^AEE/BENA[plInk
&.=$7^AEIF<&VAEA67:+pnIlq&.=$7^AE&CAEWAED&z:=:+kq2onI
.AEA;6A+'F"AB < B"'G EA69$<AEFCEAB+AE &Bt67OAB
AE+'+AE&B4A&.1AEBA7TM=&:+&.AE:XABAA9$b&A AEAEB=+A$
&.^AE &B$z AAJ &JABBJABB0& 7BAE &.AE :XABA+'ET ABV$ .! .M{
"E89%:
B A
CB
A
B
C
A A A
A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-iS
&B A&"2FOBM=AB&.AEABZAEA;6#$"I\7G6+:+6BAE$^A&B$&\B0&
7BAE&@AFUAEMOEA69$<AEI
< D l &BAE 2 &B$ &\ B0& 7BAE &@A FUAE 70& 6W kkIkp &.=$
7^AE26TFYBE6DB0&7BAE7CAg"BTAE7C/AEIFDYAE(
A;6\"#$"2AE$^A&B$A+'&;AEIppq&.=$7^AE2D&<7B&;AE&CAEWAE
6Woq2[I"70AA+'FF"AB<B"'+&B$A!"CEAB+AE7V$
G(B BUDYAE(A AAE$^A&B$AB4&\B0&7BAE&@AFUAE&.AEl
&BAESAE"BAI
{.K:
.MN:>],-D.0:/,cs,-O
BQ,.C}O.K,.^D:
.MN:>],-D.0:/,cs,-:
PppixPpp}
JABBJABAE$^A&B$&\B0&7BAEB&@AFUAE&.AEABZAEA;6#$"G
E" &;AE: A &UI\ooI[l&.=$7^AEA;6q&;AE: A[I[n&.=$7^AE{
A;6nI)B AE7WAE{7G2&B$AB4&\B0&7BAEB&@AFUAE:0&*&U&;AE
: A&.AEA;6p70&6Wk[Iql&.=$7^AEI<Dl&BAE7$A;62
&B$ &\ B0& 7BAE B &@A FUAE 70& 7C n[Ioo &.=$ 7^AE26B& < &VA SAE
&CAE7<"J7'BE6D:+B0&7BAE!"l&BAE2A*$ABD&B$AB4
!"!"YAE(A;6p70&7C &BJAE$^A &B$A+'78 &BB=A7CBA
q2[k&CAEWAED<&VAE"&;AEqIknn&.=$7^AEI.AEAE$^A&B$A+'
6B&BA7*A&\&B$AB4&\B0&7BAE(ABF"ABSAEABC&\6B&F<FOB
UABCB$'DA&VA2&B"AB&A#$<&*IB@ABJ4'AE$^A&B$A+': A&*&;AE
C
BAC
A
A
B
B
A A A
A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-i\
#$"A;67V$7G6B&BASAE&BDB=AB0&7BAEA+'7C(BB
B+AE&A&C{AE+gFUAEABV$BAI
\9\9P9D.0D./
FAEAED=BA&@B&B$AB4&BJBA&@BBB@SAE:+(B$
(B AE(6BA#$"A&.1AE&.AEBA&@B(*&#$AB0&7BAE(ABF"ABIsJB
B@SAE:+ABA&<AABBC{AE&.&*+#$'*&7OABF*A:AB$4AI?BA&@B
BB@~ERBRAE&"M*&7C(*&b$(BAA6UBB@7DG&BDB0A
B*(BAABB@Mb&B:%EGBAAAE":AB$4A260ABF0A&;AE
C/AE(BAABG:BB0&7BAE(ABF"ABAB|6&BB=A&<&B*A
:C6+CEAB+AE787V."I
G D.0:
.MN:>],-:/,cs,-O
':+(BAAB(B AE&BD&B*$&.AEB0&7BAEAEAB+AEIsJAEAB+AE
B0&7BAEB!'*$ :+AB/+AE$^A<AB$'7BAE+6B&BA7*A &\AE$^A
<A7V$B+IC*$AEAB+AE6+(B AEB$'7BAE7C<A&BJ(B AE&BDB0&
7BAE(ABF"AB7CI
BQ,.PpOD.0D./:
.MN:>],-:/,cs,-:
PppixPpp}
CE$^AB&\B0&7BAESAEGM*A7BAEABC{BA&B$AB4&\B0&
7BAE &@AFUAEIC;6q2 B B B0& 7BAE &@AFUAE{ < &VAkloI &.=$
7^AEIF"AEA;6n&;AE: A6W70&lnqIpnl&.=$7^AE2&;AEkIqnl&.=$
7^AEI<7B&;AE&.AEA;6A+': A&D6Wnn2kpI.AEA;6A+'&JABBJAB
&mAEB$'7BAE<A&\FACSAEABC&\&B+ABBA(B&;AE"A A:+6
BCA
C C
B
A
B
C
A A A
A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-ib
BBB@BBB0&7BAE&@AFUAE&;AE: AIcB&BASAEG&B*F0AB
&."ABV:8$b&7DB$'7BAE&VAEgDCEAB+AE(B&.AE7O"M+A&EAB
A A:+6BBB@6B&BA&;AE: AIQCD"AEA;6p26WBBB0&
7BAEA+'GGU&EA672BENA<&VA:+[oIkq&.=$7^AE<&VA
EA6&CAEWAE:+qIllp&.=$7^AEI*AE"70Al&BAE7$A;62&JAB
BJABBB@BBB0&7BAE&@AFUAE{6WoI[kn&.=$7^AEIFDYAE
(A;6\"#$"2BB@78&;AED<&VA:+pI[kk&.=$7^AEI)B6+(B!AE
BAAE(AB&*78FAFAFO$MD&72&JABBJABB$'7BAE<A!"CEAB+AE&.AE
l&BAEA;670&7CABZAE(*&#$A(BA#$"A78:+6B=BBB0&
7BAE&@AFUAE&.AEE"70AA+'"BADYAE(A;6\"#$"I
{D.0:
.MN:>],-D.0:/,cs,-O
BQ,.PCOD.0D./:
.MN:>],-D.0:/,cs,-:
PppixPpp}
,$"MAAE<:=$+#$"MD$7^&"&Bb'6WBBB0&7BAEB
&@A FUAE : A &U &;AE : A #$" A;6 + &;AE D &< 7B .b& "I U &BD &\
qkIkn&.=$7^AE&.AEA;6qIBJ"AEA;6n26WBBB0&7BAE
A+'&;AE: A&B+ABokIqq[&.=$7^AEIF<&VAB&;AE: A:+nIkp&.=$7^AEI
<7BE"&;AE{6W":+p2ooDA;6qI.AEA;6n26W
BBB0&7BAEB&@AFUAE&*&U&;AE: AA<kkIln&.=$7^AEI<
7B&;AESAE(B AE&B$"(6EJ&<7B&;AE{A;6n270&6Wk2ppI<
Dl&BAE7$A;626TFYBEB0&7BAE6DGBAAg"&B/E"A!"
BB
B
BBCA
A
A
B
B
A A A
A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-if
A;6ABCAE&JABBJABBB@:0A+'SAE7WAE{6W(B"70&pIoo&.=$
7^AEIC*$ 756 D E" 70A l &BAE A;6p \" #$"2 B B@ B B0&
7BAEB&@AFUAE&;AE[nIpo&.=$7^AE2&CAEWAED&<7B:+k2[pIF{FX
BB@:0A+'&;AE"&.AE&B/E"A\"#$"6B&BA:+FEA&BO&.C/AE
&;AEAB"AB78:+6AABBC{AE7*ABB@F+ABBB0&7BAEB&@AFUAE
!"CEAB+AE&.AEE"70AA+'I
\9\9S950,.K^,
)B BA &@B B=$ #$A B0& 7BAE (AB F"AB !"CEA B+AE2 (B AE &BD
(B AEAG7*A:AB$4AM{:AB$4A:+6U& $B+AE7$6+Mb&(&m
BW(ABF"ABA+SAE#$"A &67*A&.AE#$ &.JAB(ABF"AB!"6JABI
8(ABF"AB&BJ"SAE6AE6$<AG:AB$4A2NA:AB$4AABV$B"'@&
&BJNA&Y'&B$B+(BAA;AE2&6ABJAB*A:C!"AB+#$AA&.O2 :8AB
70CEAB+AEB"'AABBC{AE!"ABV$'*$&<(BABC7V$(=A&B&*2
BB@B&AB2h"~7BA&@B:AB$4A!"CEAB"AE&.AEABZAEA;6#$"&\q
p+l&BAEI
BQ,.PPOQ,..Q,.`50,.K^,?FGBM'?)<,-
-0G0>MN,PppixPpp}
CBJAB$AE&JABBJAB:AB$4A!"CEAB+AESAEGM*A7BAEABC
&JABBJAB&B$AB4B"'BB@IC;6n2 :AB$4A!"CEAB+AE&\lI[no
&.=$7^AEEA6NAoqIkl &.=$7^AEI<7BEA6BE{6W &Bb :+o2l
&CAEWAED<&VAEA67:+kIk&.=$7^AEIF{FX:AB$4AEA69$<AE:+
[knon
nnp
nppn
[ppll qnppp
n[qoq
qn
oqkll[no
[
l
n
q n p
A mAE&B$AB4
mAEBB@
]AB$4A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-ii
F&<7B&;AEBB@&.AEA;6A+'"BAD&<7B&;AE!"AE$^A&B$
AB4&\7G78:+AABBC{AE7*A&JABBJAB:AB$4A!"CEAB+AEI$'AB A2
6W : AB$4AA+' 78 G (B BU 7AE (D(B MCD "AE A;6pI]
AB$4A70&A<:+qIn&.=$7^AEI&VE&.O&$'=&7<2<&VA&;AE: A:+
[I[[p&.=$7^AEI<7B&;AE&.AEA;6A+'{6W&CAE7<:+o2pD
A;6nI
*&UF$'&.J6W:AB$4A(B"2&.AEl&BAE7$A;6A+'2:
AB$4A70&o[Ipo[&.=$7^AEI]AB$4AE"70AA+'DYAE(A;6\"
#$"G&;AE: A(B&<&270&o[po[&.=$7^AE&.AE(B7Gl &BAEA;6\"
#$"BE70&:AB$4A{6WkIpl[&.=$7^AEI-&.AEE"70Al&BAE7$
A;6&<7B&;AE&B$AB4"BA&<7B&;AEBB@DYAE(\"
#$"A AFA7*A:AB$4A&.AEE"70AA+'"BAI.AE&JABBJABGABV$
GABV$AEAB+AEB0&7BAE0AB&."ABSAEABC&JABBJAB(AB&*(BG(B;A
&.AEE"70A#$"2ABb&:+&.AEA;6n2p2:AB$4A!"CEAB+AEA
7WAE{6W&CAE7<"+G&;AE&.C{AE&.{ :0 &\A;6pIV$A+'
B&"&Bb'7CAK:.b&:DA!"&4&BDAMBCdC?CFG.;AE
&.AE=F$'&.JF"AB<:AB$4A!"AEAB+AEIQ A0AB7G2&"SAE&Bb'
7C!AEBB&A&C{AE!"(BBB+AEAE+'+AE"+CdC?CFG
.;AEI
BQ,.PSOQ,..Q,.`50,.K^,?FGBM'?)<,-
-0G0>MN,f:.;,-Ppp}xPpCp
kkqoln
olpq
klnok
[lplk
o[po[kpl[
k
[
o
l
l&BAEp l&BAE
A mAE&B$AB4
mAEBB@
]AB$4A
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-iz
DBF
2"'AAB% DBA
B "ABB
b9C9Du,-:;?.K7>],-I4,
CEAB+AE6$<AAAE"B=$#$AB0&7BAE(ABF"AB&.CD& AABA
B!7BAE7CAE$^A<A7D7WAE(O&B/AB$$"'<A!"(BBB+AE
SAEABCBUU BB0& 7BAE(ABF"AB(B!"CEAB+AEIc$<A4'2
CEAB+AEABAGABZAEB@ABB&0<ABYBAB|6(B"&B&.=&7D
61&V6A;AEV<A27TM=&:+7t'60AB AE&B$'7BAE<A&\FACM{
J7':+7<&CAE6"AE:0AE$^A<AF^F+BAEAB+AE2AGB*6&z&.1AE
:DA+&CAE7<mA7OABIF"$7':+6B&<EABU&BD
0."AABt6B$'7BAE<AGB=$#$AABCB&&.DAFOBU&Br
AB|6B$'7BAE <A &B AE#$" FOB U &Br6{ ." BCAE &.JABB& B+AB &Br
6jAB@2E"&Br&4AAB+2C$& ABB1AB2AB Ah
]8$b&B$'7BAEBA &B4& BbFAAEC/FAI.AE7V$(=A0AB
&."ABABCB=AA"'&BJ:8$b&7C:+'*$&<MAA&.AE=F$'&.J+6{
.BAE&VAEgICEAB+AEABAB(BBB+AE&Bb'7CB@ABB:
@B!"CEAB+AE7<DAEC/Eg&VAI-4'B@ABB:8$b&&VAEg&*&
(=6SAEABC&VAEg!"&mBW(AB&*2ABAABABYB&B5
&\AE&B/7D62&\AE6U7@B!"(BBB+AEI
GB@ABB(B5A&BC{AE&B@B7AEAB|6(B$'*A(B@BAMB2ABA A
G &B+AB&@B&<& &.AE AE&B$'7BAE<A2ED &B=$(BBB+AEE"FOB
DCEAB+AEI
CAE"BAAZ"Bb&:CAEBUU!"ABA A&.AEE"&*AB=&
&JAB2$r2&BA&B=A+G&AB&BA&.BAB=67<D(BBB+AEI
B!7BAE7"F0AEBG"AABt6B$'7BAEDABV$(B0A2:8$b&
BAEBR27WAE7C&BOB*$!"(BBB+AE2!"&l+AE:DFAC&B$BR&
&<7"AE$^A&VAAB+A.KABC&*&(=6&@B:S'2&*&(=6EgEG2&*&(=6F
&BC{AE2G&TAEBt62hDABV$6W:8$b&B:%26"AE&@AB0AB&."ABI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-i}
b9P9Du,-:;?:/,cs,-
.AE7V$(=ABBAB4B=AA"'2s=&C"6G.b&ABV$C$78
ABC 7C & EA6 &B$* AB4 (Bt$ &B5 "6 (*& 6{ g"2 B@AB B
(B$'*A(B@B&FB7$&C+&BCAE60!"B@ABB!~EGBA&;AE
C/AE&B$BR&-x+s=&C"62hdBAB4#$<&*~&06 &.C/AE27BAE
:B&;AE&.C{AE(AB&*2 &0 &B 6ABV$ AE;A= :+6B98BB2SAE
ABC &B 6ABV$BB(ABF"AB &.AE :XABAEAB+AE2 &.AE7GG=
&;AE&.C{AE&@AFUAE27$&CIQ A0AB=B$'7BAE<A+CEAB+AEAE+'
+AEABV$DABZAEM=AB:ABB0&2BbFA&BJCEAB+AESAEBAAK
:&J6M=ABAAE"B=$#$AgFUAE<AID&.AB7^AE&VA(B AEMO
7GAEM;AE2:+6&;AEF"AB&B$+:AB$4A&BJCEAB+AEBAGABZAEM=A
B &B BYBEZ"=B$'7BAE<A+ gFUAE<AAB|66"AE :0
B=$#$A(ABF"ABAE+'+AE"IDG&BD7A6MA6U& $AAE"B=$
#$A2(D6&.!.2B&&.DAMVAZAEB0&7BAE&@AFUAE2ABb&&B*&BA9'
FAE6B&B@ABB&@AFUAEABb&#$A+B:%2&B@BWAED6 &.C/AE(AB
F"AB2BYBD7T7D6!"CdC?CFG.;AEI"G&BD7C"."6B&
<EAB"$7DAAE"B=$#$AB0&7BAE&@AFUAEBCEAB+AE
H.0aKdKe.MN:>],-:/,cs,-O
*AB+ABBA:0(BBB+AEB@AB9+9567G:+ AE&#$"A
&.1AE BU U B = AAE " Bb& :CAE &@A FUAEI B B=A &<& AE &
BA:0(BBB+AE7DB"'BYB2&$&B5:07<&CAE(BBB+AE6+
CEAB+AEGBCAE&BWB"'SAEABC7V$&."E6&AB|6B0AB*
.!.7*A6W&BbABb&IB1A:1."ABZAE(BBB+AEG&+B@AB:+AB60AB2
&.AA7'7!27RAEB0A7DFUAEB@ABB&@AFUAEC$782&06AECAEB
"'+&*AB+AB9g:%7<D(BBB+AE&B$":K+(B AEG&B=AB@B&I
CAE"BAAZ"Bb& :CAE &.JAB7B&Bt67OAB!"AMB &@AFUAE2
7TM=&:+&Bt67OAB&CB!"(BBB+AEJ7V$A+'GAABBC{AE.b&:DA
7*A&B=AB@B+A&.A&VA"'!"(BBB+AE2BCDAEFA&mBW&4B$bA2M^
FC3AE(*A&BWVB$' A6 AAEB=UI':+M=AB&@BABb&AB|6
B0AB*+BNAEAE\".!.I
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zp
GB@ABBC$787<D(BBB+AEG$'&@A&.AE"'A7D
B0&7BAEAA9$b&(ABF"AB2BCAEAAA9$b&(ABF"ABG&@AB(BA &B
":8$b&2&B/B0AB"'2B0A6WB"'2hIBTABZAEBJAB&BWC$78
(B6+BABAB&Bb'BYBD(BBB+AEI
H)F0)M:/,cs,-O
!.&@AFUAE9A'."(B9$b&B=AABZAEM*A<(B AE:C/AE&.CD7C
FAE$' AABAB!#$"AB"'(BB#$"A6+(BBB+AE(B AE&.A7CAB
CEAB+AE6B&B7'7!AE<+:8(B7*AB0A2 &\7G&7BAE9b$7*A
B0&7BAE!"CEAB+AE+G &BD :+6BCEAB+AEMOB AAI! . &@A
FUAE~&7BAE&. &*B0&7BAE(ABF"AB!"CEAB+AEABC&B*$ &VA
B &.A B (BB B+AE2 J BA :DA AE$^A <A B0& 7BAE !" CEA B+AE :+
AE$^A<AB$'7BAE6+(BCEAB+AE(B AE&B$B^7CAE<+:8&.AE
B"'&BJ(BAA;AE&B"AB&A!"CEAB+AEFAFA:6+&JAB&.0AE&B*$
BU&I-7GABAGABZAEM=AB&B*&&B7DB0AB*7*A6W&<&BD$
.!.&@AFUAEIU&BDABC"$
BC/AE9$' A(D6&."(BAAA7*AB0A+#$B0A7D&B AEM
7 A7<(BBB+AEI<DABZAE(BBB+AE(B AE &B"AB &A7CAF
ABZAEAE$' AABA(BB#$"AABCAEANA(BAA;AEAA9$b&B"'BCAEA
(ABF"AB GB=$ #$A2 AEAB+AE G &BD9569& B E"B0AAAB|6ER
(BBB+AE(B BU AA 9$b& ABCAEAEA B+AE SAEBA E6 & BT& B~
(BBB+AEB7*A(B&B$B^7CAI
CEAB+AEAGABZAEB@ABBAB|6( A#$'*&9g:%A9b$M"
E^6(BAAAB0B&AABMAA7!7V$(=A9g:%+A787C9g:%&\
#$}FBNAE.!.B0B&AAE0MAAEI+&2BA:0&+AMB(BAA
A789$b&&AAE0MAAE7D9'FAE(*B0B&4A&B$B^AI4A&B$+9g
:%6GAA&. AAE$' A&B0AB*&BbABb&BB@B=9g:%A#$
B0AM|AEB&B$'*&BU(BBB+AE&J6AE$^A<A7D&.AAI
* &U 7" F0AE BG" F"AB 6U 7$ &C2 ABV$ :XAB AE+AB AEBV2
(B AEA A&4&.$AE+6B&<@&(BBB+AE2+6B&:XAB6+BABA."
&B+ABABV$6AAEABL7DBA&A.!.IQ{JA*$(BBB+AE7GET(BG(B;A
&.AE(ABF"AB &BJ AABBC{AE.b& :DA7*AB0&7BAE!"CEAB+AEIsJ4'2
CEAB+AEABA& A&.1AEEDB0A"A&+AI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zC
CE+."CEAB+AENABA(B AEAE\AEAAE" AE&7+&0+
M^FC3AEAMB AEABA AIs=BA&@B&@AFUAE&.CD(BB"'.b&
#$"A&.1AE2F7G7NBLAMB&@AFUAEABAG6B&&.JAB7BB$' A6 A
ZAE+AE2AB0'MA(BBA&@B+&*9RD(BBB+AEI
?BA&@B(BBB+AE:+M=AB&@BABb&AB|6B0AB*+BNAE
AE\".!.IQ{G7ABE7RAEB0&7BAE(ABF"AB!"(BBB+AE&BJ6D
M*&7C(BAA;AEB+A&.AA!"B1IABR&.1AE7*AABZAE6T&"$&JAB
BJAB&+B@AB!"(BBB+AE2&CB2A;AE:+&.JAB7BBD$M*&!"(BB
B+AE2&@AB(BA&B!"BCAEA"'<A
b9S9HD.;::)0t,_e,D.=c?.IsX?u,-,-.a:.u,-:0,
D &B=$.BAE.8BAAZ"AABt6FOBU!"AEAB+AE7*A
7<&CAE&V6A;AEI
?B&&.DAFOBU&Br"B&0."&=A:ABb&B(BBB+AEgFUAE
e&Br 7" F0AE2 ABV$ B0A6W &B@B B B ABV$ 7< &CAE g FUAE2 &;AE <
:CAE&VA.R&6K:A6KAE+'hiI
" &;AE< :CAE6'`c&0(B$ AEAEB=2 &BO &.bA2(B$B+AB
BAB2AB|67WAE&<&ABb&BAB$$(BBB+AEI
;AEC/AEBAAZ" AE&&*&BO2 &$' A&.$'VA2&*4A+B+6/
(BBB+AEI
FUAE6WB@:ABB0&2B:%+0AB&."ABI
)B AEAE\AEAAE" AE&7+&0B$' A6 AAEB=UVFOBU
BAMBI"FOB ABA:+ABAEBV2"6BD$&C/AE&4A&@AA;AE#$'&.JAB
AABt6SAEABC&CbA&<&B(BBB+AEI
b9\9w,-?GM?.[:`*5,->]0,-?;,{]-w,.6,-
CBCBRAE&"M*&AAEC/:+'*$&<#$"A&.1AE#$'*&7OAB61&B+AB AE
!"61:XAB7G:+6B&BA:%26+AEAB+AESAE(B AEBA:+6B&AE0
:=I.AEB0&7BAE(ABF"AB!"AEAB+AE=7A6MABb&:CAE&@AFUAE
&.CDB*&BAFB@ABAEC/&.&*:+6&@AFUAE#$'*&7OABIsJ4'AMB&@A
FUAEABA7C&$'DAB1A2+AE:16B&BtA&.1AE27CM<&.@ AE
=BYBD(BAA;AE+&.JAB7B27C&BC/AE9$' A#$"A&6M^FC3AE
7DAAE"AEB=U2EFU+ .A :$'=ABt6Bb&707W2hA6MA
7WAE6B&<& $B$tAABC"$
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zP
?BAG(*A&BW2&.JAB7BAEB=U7WAE7CAB$$ AE&I
AGB@ABB7+&0AAE"&.JAB7BAEB=UB$' A6 A!"7B
AESAMB27TM=&:+7BAESAMB&@AFUAEI+&0AAE"27+&0:0A
MB&B5BCDAEB$' AAE+ABABCAE=7+&0AMB&@AFUAEBA&. A{
gFUAEAMB2&.AB7+&0&.+A:"ABT7+&0.^:0(B AEgFUAEI.AE
#$&.JAB:+6=2AMB&@AFUAESAEABA&&."F^B1BL2AEB AW$
B@ABB2B*7B2B:$4&2#$'7OAB!"CB+ACDBT&+:=$: A
#$"Ah7DMm$AE(*A&BWAB|6BYB+7WAE7C AE=!"CEA
B+AESAEABCB&&.DA!"98BBI
Q A0AB=AAE"Bb&:CAEAMB&@AFUAE&BJCEAB+AESAEA
BA #$"A &6ABV$BA7*A : @B4& Bb& !"!" AMB &@AFUAE2 &BC/AE
9$' A#$"A&67BAE A2(B5A&BC{AEB7BAESAMB&@AFUAEEL7DG
{7VAEBO9&B1A2(B5A&BC{AEB+AEA;6I\7G7BAE A(B@B:=AMB
&@AFUAE' A&6&.AE AE&I
G6:02BABABABA#$"A&67*AABZAEbA7V#$"A&.1AE"$
-$'&.J+#$AA:%&<&bA7VA#$B0A2A9b$I
AG(*B0BB*A:C6".(5&AE.BAE.8AB|6&B$BR&(BBB+AE
6D2&@B&J6(*6(BBB+AE&V6A;AEI
BC/AE9$' AEFU&C&C{AE2AAE"&.JAB7B7<D7BAESAMBI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zS
DBFA
#AB
f9C91:`K^,
.AE 9$ BCDAE BB AB4 (AB &* &B* ED B=A A"'2B0& 7BAE !"CEA
B+AE{ACD7GAE6B&" &.N YAE #$"A &.1AE &.AE B& &.DAAVA
(AB&*!"6B&#$<E"2AGAE+'+AE7C6{.BAE+B& &.DAAVBb&
:CAE:A<:CAEI-7G26TFYAVA(AB&*!"s=&C"6&"AGB$AE+&EAB
FG.;AEAG . AE&.AEABZAEA;6#$"78ET.b&ABV$(BG(B;AeABCA0A
FOB R6E" 62M=AB &"9"AB{ :A2 :06B&2IIIi AABBC{AE .b& :DA7*A
B& &.DA(AB&* &EABAB+ICBCAED#$'*& &6BbA7b$(B AEAE\AE2CEA
B+AE787V ."B*A :C(ABF"ABBYBD &JABBJAB &B &*A A7870&
7CABZAE&B+AB AE7AE(B@B :=IsDABZAE &B+AB &$7870&7C&.AE
ABZAEA;6#$"BRAE&"G&BD&A&C{AE+B&&.DA!"AEAB+AE&.AE
&B/ E"A &D2 B' 1AE AEA B+AE ~ EG BA &B*& &B + AE $B AE
AEB=BG"2B=A70BG"7b&ACDI
sDBWA;AE:+&.$AEE"A&@AFUAECEAB+AEC AECEB=+?B&&.DA
C AE&B AFG.;AE78B$'7BAE+$AEb<A(O&B/B7<&CAE&\
B"' & $FYAE7< D A AEFA+BB AA9$b& ABL7*A F"ABAEB=
ERB7<&CAEA+'6{.BAEV#$6 +AA9$b&GB=$#$AID70&
7C(*&#$A&. A27NBLGAm:BbA7b$B*&6JAB!"&+A&BD7BAES
AMB AEABA A+BE70(O&B/!"Q"A:8AB70&.AECEAB+AE
C AECEB=+?B&&.DAC AE&B AFG.;AEI
CBJAB$AECEAB+AE7870&7CABZAE(*&#$A.b&(BA#$"AIB+AB#$A
A+'!"CEAB+AE787GAEEG.b&:DA+=A&B=A&\AEMCDMB6T&A AE
&B AFG.;AE &.AE&*A&.JAB&BB=A AEAEB=BG"B=AF0BG"2B+A
&B+AB B! &.CAE B@AB B !"AAE + CB+ ACD &"I $' AB A &.AE6
&.C/AE(ABF"AB7' .'ABZAE.! .+7< &B!0AB &."AB :$ A(B AEB
BCEAB+AEG&BD&BL"68ADABZAEEJ6JAB70&7C6+ABA:$ A
<EAEAm:BAAZ"7D(B AEAE\AEB+A&B=AMB6'B0&7BAE+AAE
"B=$#$AB0&7BAE(ABF"AB!"6JABI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-z\
d0& 7BAE AE+AB CEA B+AE AG B$AE &.AE ABZAE A;6 #$" 70& ABV$
&BAE:24ABB6D786{."ABCAESAEGABV$&BB&BW2CdC?C
FG.;AESAE(B AEAE0 :=IcTFY4'CEAB+AEC AECEB=+?B&
&.DAC AE&B AFG.;AESAE78&BB=A&<&6U& $7V.":+b$:0FC
A&B5BCDAEAAE&z&.1AEB"'G&+AA7A6MA2(BBB+AEG&JABBJAB
&+B@AB:+AB60AB2AABt6FOBUG&@AB0AB&."AB"2h$'AB A7D70&
7CB& &.DA :$F+2= &;AEC/AEAB :2AAE"A;AE :#$AA :%
&.JAB7BAEB=UB&+A&BDAMBABA A:+M=BB=$#$AABb&7D
EZZAE &<7BB& &.DA!"CEAB+AE6B&B"A &+A &.AE&CAE :"+
:$ A:+BCAEB6B+AB7BAE!"Q"A7V$B+ABCEAB+AEC AECEB=+
?B&&.DAC AE&B AFG.;AEI
f9P901,,-.
,$" = BA &@B (*& #$A B0& 7BAE (AB F"AB &0 CEA B+AE C AE
AEB=+?B&&.DAC AE&B AFG.;AE2 &"AB4A&Bb'.|AE&$'B0&7BAE&@A
FUAE!"CEAB+AEA70&B=$#$A+&CAE7<"A&+A2ABCAEM A0AB7G
ANA&^A&0(B AE@&(BG(B;A:+6AABBC{AE7*A&*A&.JABB&&.DAIP6
9AA $."6B&<(*AAEBOBB0&7BAE!"CEAB+AE2CB+ACD+B@AB
#$'VA 7O" BCAE &.AE &B/ E"A &D D B' 1AEAG ~ G %AEBX" &B*& &B
&.AE=7C"B0&7BAE(ABF"AB!"CEAB+AEAE+'+AEB&&.DA
K40IJ0-w,.6,-.6*J?
A&*&UB+A&B=A(B$ A(BmB:$4&2&.AE7GABR%7^AEMB
;AMAABCDAEFA:$4&2ABb&:+:$4&G: A#$"A&DB0&7BAE!"CEA
B+AE eABC]$4& m BW &@AFUAEg"7mMm $AE]$4&b& 7"2]$4&
F"ABAEB=CB+ ACD2]$4& &BCAE602]$4& B AA2]$4& FA 2IIIiI
#$'B*B@ABB2;AMAABE70BCDAEFA2EA77<DB0&7BAE
&@AFUAEBA& &B2 .f .+AE2FjBD$7D &.ABAB6:A&.AE#$ &.JAB&B
B=AIcT&(BABR%&D=&BB=A!"#$"A&B&BB:$4&
b2AB|69'FAE7C6 &.C/AE(ABF"AB&B AE&BAE2:+AB60ABBA2
#$"7G&07V$(=ABCEAB+AEB0&7BAEAE+'+AEGB=$#$A"A&+A
+MVAZAEI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zb
A.+& :0ABF$AE]$4&&mBW&@AFUAE+B= &B<AE;A
MAAFCD :$4&AB|6M8ML6B&<B0AB*7"AEAA&.{CEAB"AE&BCAE
606{.BAEB0&7BAEFOBU&+B@AB6DI
Q A0AB7GCEAB+AECB+CCDSAEA&*&B$ABZAE%(*A7GAE
EG!"CEAB+AE2.+&:0;AMAAB=AB+AB7Dg"7m+Mm$AE
ABZAE;AMAAB!BBA2&B&*BAI
K40IJ0BM'?)<,-
BB=AB AB:=B:8$b&B:%+ABA7CB<B+7V$
B+AB&.AE&+AB=&B<AECdC?Cs=&C"6I^AE&B/CEAB+AEBA
&*&(=6BB@7DEA6:8$b&B"'I
,$AA:%"A&+A<AB$'7BAE7D(BBB+AE"A&6Eg&VA+CEA
B+AEI
,$'7OAB27V$BEAB:8$b&BYB7D0AB&."ABDCEAB+AE
(BI
,$AAEMBJABAAB!"CEAB+AE7*A AEBRAEVABZAE &B"'7m
&.AE B &BW :+6=2 B0& 7BAE !"CEA B+AE :+6B(BBB+AEABJA
&Bb'7CABZAE&B"'7m&@B!"CEAB+AE&\7G(BBB+AEAE+'+AE
&A&C{AE+7*AE"FOBDCEAB+AEABV$BAI
CE+=AAE"&.JAB7BAMBABA ACEAB+AESAEAAAE
"&.JAB7B#$AA:%BAMBb"I
.AE7V$(=A(AB&*6{ABCB=AA"'2CEAB+AEA A6{.BAE7<
&CAE(BBB+AEId+A&B=A&.JAB7BSAEABCFUAEABZAE&.JAB7B(}&B$4&
& A&*A7DE"FOBD(BBB+AEAB"ABBGAE&B$4A&=ABAI
?B&&.DAB=&B<AEBABAB{B$'=AAB+eB$'=AG&V6A;AEi\"
BUU&<&BABAEC/FA\"EA6BB@BA7 M A+SAEAB|6
&.ABAB|6&.ABYA& AE=E'6b&&B/E"ABBABAB&EABI
K40IJ0?;??+dKG,.6,*J?X?;??[DX?;?,-6,.?`0L,dKG,
A7AEAABG"&B!&U2:0Eb'&/ AEBWAEB0AB* AE
BWAE{ABV$#$"A AEA#$'*&AB"ABB^AB|6&0 &B$4A : +
7A6MAV6T&&B/E"ABABZAEAEC/GAB$$"'<AI
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zf
.AE#$&.JABB&68&+AA&B*Bb!"(BBB+AE7D&B$B^A&BJ
CEAB+AEET.b&ABV$(BG(B;A&.AE(B$9g:%F;AMAA&BB+ABANA
.b&B46IsJ4'#$"A&BB+ABAABAM+AE"AB"AB&+AABCd2G
B<B&<&EZ"CEAB+AED&N"A7DCEAB+AE9g:%(BAAA&^A
71AEGB=$#$ABAI
,$"A&6BE70=BNAEB<AEFOBM=AB2ABb&:+FOBR6E"62
M=AB&"9"AB{:A2+A0A&B A&"2M=AB.'A${6B&<E<AE'&.^AE7D
AEC/FA' A&6AA9$b&27A6MA7V$(=A&B$4A:BA AEFAAA9$b&
70&B=$#$A"I
K^,<,4:-.0aD BO)*+,-D./01,
'BO234.*5,- )G,-zi
#AAB2B
TAEB)6CAE2?B06s;A-C2eoiIAE !
"E#2CQmAEB2?Id^B@cAB
Bs;A0 eoiI69. 0,F2 &!B &.C/AE0
B1A&BI
kFIFI] s;ACeoiI:2;.0,F2CQB<AE( I
Các file đính kèm theo tài liệu này:
- Phân tích kết quả hoạt động kinh doanh tại ngân hàng nông nghiệp và ptnt sóc trăng.pdf