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T l tng trng d n (%) (D n nm nay - D n nm trc) T l tng trng d n (%) = ------------------------------------------------- x 100% D n nm trc - Ch tiu ny dng so snh s tng trng d n tn dng qua cc nm nh gi kh nng cho vay, tm kim khch hng v nh tnh hnh thc hin k hoch tn dng ca ngn hng. - Ch tiu cng cao th mc hot ng ca NH cng n nh v c hiu qu, ngc li NH ang gp kh khn, nht l trong vic tm kim khch hng v th hin vic thc hin k hoch tn dng cha hiu qu. 2. T l tng trng doanh s cho vay (DSCV) (%) (DSCV nm nay - DSCV nm trc) T l tng trng DSCV (%) = ------------------------------------------------- x 100% DSCV nm trc - Ch tiu ny dng so snh s tng trng tn dng qua cc nm nh kh nng cho vay, tm kim khch hng v nh tnh hnh thc hin k hoch tn dng ca ngn hng. (tng t nh ch tiu tng trng d n, nhng bao gm ton b d n cho vay trong nm n thi im hin ti v d n cho vay trong nm thu hi) - Ch tiu cng cao th mc hot ng ca NH cng n nh v c hiu qu, ngc li NH ang gp kh khn, nht l trong vic tm kim khch hng v th hin vic thc hin k hoch tn dng cha hiu qu. 3. T l thu li (%) T l thu li (%) = Tng li thu trong nm ------------------------------------ x 100%

Tng li phi thu trong nm - Ch tiu ny dng nh gi tnh hnh thc hin k hoch ti chnh ca ngn hng, nh gi kh nng n c, thu hi li v tnh hnh thc hin k hoch doanh thu ca ngn hng t vic cho vay - Ch tiu cng cao th tnh hnh thc hin k hoch ti chnh cng nh tnh hnh ti chnh ca NH cng tt, ngc li NH ang gp kh khn trong vic thu li, nh hng nghim trng n doanh thu ca ngn hng, ch tiu ny cng th hin tnh hnh bt n trong cho vay ca ngn hng, c th n xu (tn dng en) trong ngn hng tng cao nn nh hng n kh nng thu hi li ca ngn hng, v c th nh hng n kh nng thu hi n trong tng lai. (Thng thng t l ny phi trn 95% mi l tt) 4. T l D n/Tng ngun vn ( % ) - Da vo ch tiu ny, so snh qua cc nm nh gi mc tp trung vn tn dng ca NH. - Ch tiu cng cao th mc hot ng ca NH, nh gi kh nng s dng vn cho vay ca ngn hng, ch tiu cng cao th kh nng s dng vn cng cao, ngc li cng thp th ngn hng ang b tr tr vn, s dng vn b lng ph, c th gy nh hng n doanh thu cng nh t l thu li ca ngn hng. 5. T l D n/Vn huy ng ( % ) -Ch tiu ny phn nh NH cho vay c bao nhiu so vi ngun vn huy ng, n cn ni ln hiu qu s dng vn huy ng ca ngn hng, th hin ngn hng ch ng trong vic tch cc to li nhun t ngun vn huy ng hay cha. - Ch tiu ny ln th hin kh nng tranh th vn huy ng, nu ch tiu ny ln hn 1 th ngn hng cha thc hin tt vic huy ng vn, vn huy ng tham gia vo cho vay t, kh nng huy ng vn ca NH cha tt, nu ch tiu ny nh hn 1 th ngn hng cha s dng hiu qu ton b ngun vn huy ng, gy lng ph.

6. H s thu n ( % )

Doanh s thu n ---------------------------------- x 100% Doanh s cho vay - Ch tiu ny nh gi hiu qu tn dng trong vic thu n ca NH. - N phn nh trong 1 thi k no , vi doanh s cho vay nht nh th ngn hng s thu v c bao nhiu ng vn. - T l ny cng cao cng tt H s thu n ( % ) = 7. T l thu n n hn (%) Doanh s thu n n hn T l thu n n hn (%) = ------------------------------------------- x 100% Tng d n n hn - Ch tiu ny nh gi hiu qu tn dng trong vic thu n ca NH. - N cht lng tn dng ca ngn hng, nh gi kh nng thu hi n ca cc khon tn dng cho vay, ng thi nh gi hiu qu thc hin k hoch tn dng ca ngn hng, k hoch cho vay, n c thu hi n ca ngn hng. - T l ny cng cao cng tt 8. T l n qu hn (%) N qu hn T l n qu hn ( % ) = ------------------------------------- x 100 Tng d n - Ch tiu ny cho thy tnh hnh n qu hn ti ngn hng, ng thi phn nh kh nng qun l tn dng ca ngn hng trong khu cho vay, n c thu hi n ca ngn hng i vi cc khon vay. - y l ch tiu c dng nh gi cht lng tn dng cng nh ri ro tn dng ti ngn hng - T l n qu hn cng cao th hin cht lng tn dng ca ngn hng cng km , v ngc li.

9. T l n xu (%) Tng n xu T l n qu hn ( % ) = ------------------------------------- x 100 Tng d n - Bn cnh ch tiu t l n qu hn, ngi ta cn dng ch tiu t ln n xu phn tch thc cht tnh hnh cht lng tn dng ti ngn hng, Tng n xu ca ngn hng bao gm n qu hn, n khoanh, n qu hn chuyn v n trong hn, chnh v vy ch tiu ny cho thy thc cht tnh hnh cht lng tn dng ti ngn hng, ng thi phn nh kh nng qun l tn dng ca ngn hng trong khu cho vay, n c thu hi n ca ngn hng i vi cc khon vay. - T l n xu cng cao th hin cht lng tn dng ca ngn hng cng km , v ngc li. 10. Vng quay vn Tn dng (vng) Doanh s thu n Vng quay vn Tn dng (vng) = -----------------------------------------D n bnh qun Trong :

( D n u k + D n cui k ) D n bnh qun trong k = --------------------------------------------------2 - Ch tiu ny o lng tc lun chuyn vn tn dng ca ngn hng, thi gian thu hi n ca ngn hng l nhanh hay chm. Vng quay vn cng nhanh th c coi l tt v vic u t cng c an ton. 11. S khch hng c vay vn: - Ch tiu ny phn nh s lng khch hng ca ngn hng qua cc thi k, cho thy kh nng thu ht khch hng ca ngn hng trong thi gian qua. Lu : Khi phn tch cc ch tiu trn y, cc bn cn phi so snh s liu tng ch tiu so vi cc nm lin k trc (t nht l 3 nm, tt nht l 5 nm) thy c s tng trng, cng nh hiu qu tn dng ca ngn hng qua cc nm. (phng php so snh lin hon). ng thi nu c th th so snh vi cc ngn hng khc hoc trung bnh ngnh thy r hiu qu hn.

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