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PREAMABLE
In the modern world today, it is of great necessity for learners, especially for economics students to master certain amount of experience after graduation to prepare for prospect future career. Internship has actually been considered a good chance for students to apply knowledge they gained at university to reality. Therefore, this period of working requirement plays a very important part in bachelor course and helps students become closer to targeted jobs. Students themselves should aware of this essentiality, then take serious tasks implementation. As we all know, banking is a crucial field in the whole economics system. Although taking the external economics course, I was taught quite generally about some aspects and information of finance. Besides the knowledge about my major, I want to combine these two fields together for linkage and relevance. Hence, only by working in international payment area can I reach my objectives. By searching the internship units, I figure out that the Military Bank possesses the elements I demand. Working for Customers Corporate Banking Department in one branch of bank was my final decision. My report will thoroughly demonstrate results I archived during the period of internship in this department. Thenceforth, there is likelihood for me to summarize experiences and draw some lessons.
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General information
With nearly 17 years of experience, Military Commercial Joint Stock Bank has firmly established itself in the banking industry. The banks have enjoyed stable operation with high growth rate, thus gaining trust from existing customers as well as potential customers and investors. Its a well-known bank in Vietnam with a current charter capital of VND 7.300 billion. Its main base is on 03 Lieu Giai Street, Ba Dinh District, Ho Noi City. Hitherto, it has possessed 4,170 employees and controlled 40 branches.
1.2.
In order to meet the initial goal of financial services provision for military enterprises on 4 November, 1994, Military Bank was officially born and put into operation as for the certificate of business registration No. 0100283873 issued by Department of Planning and Investment of Hanoi City and License 0054/NH-GP of State Bank of Vietnam. Initially, charter capital was only 20 billion VND, but this number has increased dramatically for two decades. In particular, its raising charter capital to 3,400 billion VND in 2008 was followed by continuous increase by 5,300 billion VND in 2009 and 7,300 billion VND in 2010.
1.3.
Major businesses
Banking business under the provisions of the State Bank of Vietnam. Supply of derivatives in accordance with the law. Insurance agents and other related services as prescribed by law. Trading in bonds and other valuable papers based on the law.
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L Th T Hng A4CLCKT 0951050076 Purchasing, processing, manipulation of gold. Intermediation other currencies. With regard to conditional business, bank only make deals if they meet the
This department plays essential role in success and operation of Military Bank. The Branch at Dien Bien Phu Street recruited about 20 staff for this position. Generally, this department deals with some main fields as follow: + Deposit: Demand deposit, term deposit, term deposit with partial withdrawals. + Cash management: Working capital management, receivables management, payables management. + Financing: Short-term loans, medium and long-term loans, factoring. + Guarantee: MB provides enterprises with the best guarantee services by a team of experienced and enthusiastic specialists. Types of guarantee services: Bidding guarantee, contract performance guarantee, borrowing guarantee, payment guarantee, quality guarantee, advance payment guarantee, counter guarantee, guarantee confirmation. + International payments: Overseas remittance, inward remittance, export collections. + Foreign exchange: Foreign Exchange Trading, commodity derivatives, financial derivatives. + E-Banking: eMB, eMB link.
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L Th T Hng A4CLCKT 0951050076 + Associated products: MB incorporates with partners in many various industries to provide services, products with high quality to meet customers requirements at the optimal level. Product and services: Logistic fee payment and car insurance.
well as the departments. In order to work well with a business, an employee has to understand deeply about this unit. This brings not only the activeness but also efficiency while doing the tasks. Besides general information provided on website, I want to read more documents at department about the operation as well as specific characteristics of Military Bank. Thenceforth, with profound comprehension, I clearly orient myself to suitable work and learn some new jobs. Moreover, internship also helps students have overview about the jobs they intend to work in the future. Realization of units advantages and disadvantages is good for future work place decision.
2. Gain more experiences from delegated tasks in addition to theories.
Obviously, a successful business man should master a good academic basis. This department deals with many fields, including international payments. That helps me so much to practice more in addition to my theoretical knowledge gained at university. Experience is likely to support my awareness and make me think rationally. Because the most important thing in learning is applying to reality, I desire to attain as much practice as possible.
3. Make a comparison between information taught at university and that
works in practice. Sometimes the procedures stated in lecture are shorten or implemented another way in reality. Thus, through working, I am able to clarify what remains the same as I
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L Th T Hng A4CLCKT 0951050076 study at university and what is different with theories. From my perspective, it is very important to perceive these differences. It not only contributes to my more firm knowledge but also keeps me out of illusion. Certainly, comparison between theories and practice is the first priority a student must apprehend after internship period.
4. Improve the communication skill and critical thinking skill.
In modern society, with every passing day, soft skills approve more vital position in successful career. Consequently, I set up a goal of achieving skills during this working period. It is very useful for an employee to have good communication skill. Many tasks delegated for workers such as meeting customers or reporting to supervisors require a perfect conversation-making ability. Furthermore, knowing how to listen to others is also essential to efficiency at business places as well as long-lasting relationship with colleagues. Interestingly, this department includes the credit sections that certainly help me fulfill these objectives. To handle the work, it is of great necessity for me to have critical thinking skill. And this skill will be improved during the time I concentrate in work.
5. Widen the relationship.
Each day working in this department, an employee has to meet at least one enterprise for credit mobilization. Hence, various corporations will negotiate with Bank. This piece of work possibly widens my relationship, increases the number of contacts. It lays the first foundation for my future career. More importantly, I take a chance to meet and talk to various employees. Actually, learning from them is really precious. Friendly and supportive attitudes toward them are also useful for comfort in work place. Social skill and relationship rank equal place in the essence of success.
6. Realize my own strengths and weaknesses while working.
Self-actualization holds no less importance in target reaching. After internship accomplishment, I am likely to withdraw some lessons and realize my own ability to
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L Th T Hng A4CLCKT 0951050076 work. As a result, I can make plan, seek methods and works to develop my strengths and improve my weaknesses. Understanding thoroughly yourself is a sharp weapon to harvest the good results. To get this target, I have to try as many kinds of tasks as possible.
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L Th T Hng A4CLCKT 0951050076 often delegated this task due to its essentiality and ease. For instances, the Nam Hai services Company or Song Hong head of company are enterprises I have to read the financial statements then enter them. 3.4. Make the applications or reports One kind of crucial task that I need to fulfill is making the applications. Applications are usually request of L/C amendment or guarantee. With this type of work, I force to read the sale contract and related documents for detail. After that, I sort out the necessary information to open an application according to the Bank template. Finished filling out the form, I print it and put in together with other involved documents. Another piece of work I possibly complete is searching information about potential enterprises. My instructor gives me the name of corporation he wants me to look up. My duty is searching the Internet for details about them. The final step is summarizing the key point about that enterprise and handing over. 3.5. Learn about some new specialist knowledge There are various tasks demanding new specialist knowledge. Therefore, I have to learn and practice them. As an illustration, credit is an essential area of a Bank. Bank survival mainly depends on the amount of money deposit from customers and interest receipt from loans. Normally, credit includes three main types: account receivable and inventory financing, asset or item financing, credit limit financing. Guider gives me lectures and theories about this field and requires me study more. He also demonstrates examples for me to analyze. Furthermore, cash management is also good criteria to evaluate financial situation of a company. Through some figures in financial states, he draws some specimen conclusions for me and let me continue that work. 3.6. Meet customers with guider
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L Th T Hng A4CLCKT 0951050076 In the last weeks, my guider asked me to follow him when meeting customers. To negotiate with an enterprise, we have to prepare documents of bank as well as profile of targeted company. Certainly, it is impossible for me to take part in negotiation. My duty simply is to support him and to learn something from his work. If bank wants to attract more enterprises, it must show off all benefit and preferential treatment toward corporation. This task is sometimes like marketing job. 3.7. Support the instructors Actually, I even support my instructors several odd jobs such as printing documents or making photocopy. These tasks do not related to any specialist knowledge; however, they show the supportive spirit and friendly behavior.
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L Th T Hng A4CLCKT 0951050076 4.2. Difficulties Sometimes my instructors is too busy to guide me My instructors usually go to meet customers and sometimes he has conferences to join. Thus, his intention to teach me many things becomes failure. This is a disadvantage for me in gaining much more experiences. Moreover, whenever problems arise during working, I have to wait until he gets back to clarify. As a result, it decreases the efficiency and time-wasting. Face with many fields that have not been taught at university Although international payment relates to the major I am studying at university. Nonetheless, tasks given to me at work do not only focus on that field. There are many areas I have to get on well with on Banking such as cash management or credits. Therefore, it takes me time to cover those issues and practice them. This partly prevents me from experiencing much work. In addition, various terms and definitions are really strange and difficult to me. To face this challenge I must spend a lot of time and effort. Not be given complex and too important tasks Due to the limit experience as well as specialist knowledge, I cannot handle too difficult pieces of work that require much time and understanding. Thus, my instructors did not assign me such kind of jobs. This is a fact I need to accept, but it impedes me to reach further experience and improve my ability. Academic environment at work is not very good In summer, the weather is rather hot. The air-conditioned operates with maximum speed and capacity. Hence, it is broken and needs repairing. During this period, the atmosphere is not suitable for me to work well. More terribly, the room is quite small for all employees. Working conditions may reduce the effectiveness of staff.
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V. INTERNSHIP EVALUATION
5.1. Achievements
5.1.1. On objectives basis Generally, I meet almost objectives set at the beginning of the internship period. With serious working spirit, I try to reach each goal by working hard at department. I gained experiences and have basic background about the work at Bank. Other employees are also very friendly and cherish to me. More notably, I obey all the regulations of the company and demonstrate good behavior. I have positive attitude toward the internship tasks. I actively ask the instructors what I can help him and express my willing to work. This makes him have good view on me. While working I concentrate definitely; therefore, I am able to finish work on time. Actually, I get more comprehensive view about the reality and theories after working time. This helps me evaluate an issue more exactly and suitably. More importantly, I know thoroughly what work fits on me and what I should prepare for my future career. Overall, this internship period is quite successful to me because I possibly achieve many objectives I desire. 5.1.2. On tasks delegated basis At the end of internship period, I received good comments from my instructor. He evaluates me quite potentially. I myself made the best effort to work in this department. Therefore, I am happy with this result also there still exists some problems need taking into consideration. I complete all my jobs and learn many lessons from them. This is the purpose of internship period. Getting along with working in department is really useful for my
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L Th T Hng A4CLCKT 0951050076 future orientation because I intend to work for offices. Generally, I get the results as my expectation. 5.2. Failure
5.2.1. On objectives basis The communication skill improvement that I expected when negotiating with customers is not fulfilled. I only observe my instructor and those enterprises do the transaction but I cannot talk anything related to this negotiation. My duty was just supporting him, preparing the documents with him. 5.2.2. On tasks delegated basis Although I finish all the tasks, sometimes I need much time to do them or learn them from the beginning. It somehow reduces my efficiency and quickness. Furthermore, there was much lag time when I have no work to do. This was due to the fact that I am not able to carry out too sophisticated jobs. Hence, this free time is quite wasteful and boring.
department Through reading documents of Bank, I am able to meet this objective. At the end of the internship period, I am likely to draw some striking features of Military Bank and missions of Customers Corporate Banking Department. These characteristics will support me in job decision-making in the future. Gain more experiences from delegated tasks in addition to theories
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L Th T Hng A4CLCKT 0951050076 After doing jobs assigned by my instructors, I gain more experiences. Thenceforth, I understand clearly about the knowledge taught at university. This goal is certainly met during the internship period. For instance, I know exactly how to use sale contracts in Banking to open an L/C or an enterprise need what documents and what procedure to make guarantee for the other party. All the knowledge I knew in international sales of goods and this is a suitable chance for me to verify them. Make comparison between reality and theories During the work period, I realize that some jobs are not exactly carried out the same according to theories. Actually, Bank has to be active in searching potential enterprises to convince them make credit. Moreover, to evaluate a corporation through financial statement, we need to look at statement of cash flows, especially cash flows from investment. Normally, students think that cash flow from operating positive is good. However, the most important feature to Bank of a corporation is positive cash flows from investing. Here is something I easily summarized after internship period. Improve the critical thinking skill While doing my jobs, I have to use the critical thinking ability to handle them. In particular, reading contracts then selecting the appropriate information to make an application requires this skill. Or analyzing the financial statements of a company also needs this ability. Thus, I stand a golden chance to improve my critical thinking skill. Widen the relationship Working with sisters and brothers in department helps me build up my relationship. Moreover, they support me very much in tasks accomplishment. Having lots of friends is also advantage for future career. Strengths and weaknesses realization
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L Th T Hng A4CLCKT 0951050076 There is likelihood for me to understand myself deeply and thoroughly at the end of internship period. I can realize my strength and weaknesses while approaching with each piece of work. Particularly, I have ability to work under high pressure and concentration and understand problem quickly. However, while working sometimes I still have some reserve and hesitation. In the future, I try to develop my advantages and improve my weaknesses. 6.2. Experiences accumulation Deal with specialist work By doing some practical work, I am able to accumulate some specialist experience, get along with them and understand them deeply such as L/C payment, guarantee, credits or money in circulation. I realize that it is necessary to broaden my awareness by reading more newspapers or watching economics news to update the trend of global economy as well as domestic one. Success comes from profound and wide knowledge mastering. How to work effectively In order for work to go smoothly, each person has to concentrate on tasks seriously. Especially, we have to keep ourselves from distraction by others or relaxing activities like Facebook or chatting. Moreover, we need to apportion time reasonably to fulfill the job. Self-making deadlines are the good tool for working. Use Microsoft offices effectively Although using Microsoft office quite frequently in learning, I figure out that in working we need some common movement for quick composition. It is very time-saving and effective. During internship period, I have a chance to experience and practice it. Search information quickly
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L Th T Hng A4CLCKT 0951050076 One element contributing to work accomplishment is searching information quickly. The fact is that there are numerous websites on the Internet and I must find the most appropriate website for references. Doing work during a period helps me find out reliable and academic websites used for economic and financial purposes. It is a helpful experience for my up-coming thesis. Appropriate behavior in offices Everyone is a part of society or a community, so in order to get along with it we have to create integration. After internship period, I know how to behave well in working place so that no one feels unpleasant about my action such as being courteous, sociable, respective and supportive. This is the way to make long-lasting relationship. It is necessary for my future career.
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L Th T Hng A4CLCKT 0951050076 I hope that in the near future Economics faculty will create more chances for students to work practically. This gives students a finger in becoming realistic and better. In my opinion, university should elongate the time of period internship for students to work longer. And if feasible, there should be more small periods for students to meet and learn with enterprises. Above all, I feel grateful since faculty supports us in giving opportunity for students to work and guide us what we should reach in this period. I hope that faculty will continue to help us to become good business men in the future.
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CONCLUSION
Internship absolutely marks a turning-point in bachelor program for students. They certainly experience themselves in new challenges. Consequently, they are able to expose in reality. We cannot deny the importance of practical working and I myself appreciate opportunities and challenges this period brings about. Generally, I complete successful my internship and learn various lessons from instructors as well as other employees. Actually, Banking and Finance is a not only essential but also difficult field in whole economy system. Working there requires worker meet certain characteristics such as knowledge, experience or competence. By and large, it is of great necessity for students to practice as much as possible and to improve themselves continuously. Due to the limit time for internship, my report has inevitable shortcomings. I hope to receive comments from my instructor, readers and friends to make my paper better.
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APPENDIX
I. Schedules during internship period Week 1 Date Schedule Report Know about the history and operation of Military Bank. Monday (2 Jul) Read documents about the history and operation of the Military Bank. This internship office is a branch of Military Bank but do big amount of transactions every day. After reading these documents, I can understand more about this unit. Wednesday Find about the customer Customer corporate banking in (4 Jul) corporate banking specialist this branch includes many fields knowledge. such as: international payments, deposits, management, financing, guarantees cash and
foreign exchange. Out of this, international payment is the subfield that I am given some knowledge about (L/C payment) but with the rest, I have to read many documents. Besides, my guilder Mr. Nam taught me about the guarantees and a set of contract to open L/C to make payment. He also let me see the
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knowledge, Mr. Nam also let me see the files of Viettel Company. This corporate want to transfer its money from its branch to the parents company. I can see clearly on the file the form of cash Friday (6 Jul) transfer. Moreover, He showed me a Learn about some practical contract, in the term of payment, examples in this section. it indicates the deferred payment condition and requires 10% of performance bond (guarantee). After that he told me about what requirement must be met of one party to get guarantee from the bank (often 80% assets and 20% escrow last week were met. 2 Monday (9 Jul) Support Mr. Nam in some + Making input of data for account). Generally, those objectives of
simple tasks such as making financial statements of Nam Hai input of data, looking up the services company. Understand exchange rates. clearly about the balance sheet and income statement of a corporation Especially in knowing practice. how to
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L Th T Hng A4CLCKT 0951050076 calculate those figures in order to make the balance. + Search the exchange rates of US Dollar against Vietnam dong of Military Bank that day to count the value of transaction. Generally, on Monday, I completed the schedules. Continue to support Mr. Nam and working with documents. Wednesday (11 Jul) + Reading the record of Nam analysis of situation. + Continue to find the exchange rates of USD against VND All objectives of Wednesday were met. However, I face a challenge of having so much free time. Friday (13 Jul) Continue to support Mr. Nam about L/C or contracts. + Reading the sales contract of Investment Joint the and Stock important Construction sort out
Company. Reading carefully to information about the value, payment term and commodity term. + After understanding detail of the contract, I filled in the application of request for
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L Th T Hng A4CLCKT 0951050076 guarantee. This is the guarantee of contract execution. Although there was no L/C to translate, but from this task, I know more about the procedure of contract accomplishment. 3 + Understand clearly about the credit type, especially account receivable and inventory financing. This term means that bank lend money to corporate basing + Support Mr. Nam and Monday (16 Jul) learn about the procedure of letting money in circulation and credit. on it assets. This knowledge is quite new to me and it is really important to evaluate the situation of a company. + Then I read financial report of a specific company to see outstanding and striking feature to draw a conclusion about this company. These outcomes help banks make decision on whether lending or not. Wednesday (18 Jul) + Learn about the borrowing support Mr. Nam + Filling in the report on Song (financial analysis).
contract and continue to Hong corporation in practice + Reading a borrowing contract - a kind of credit for corporate.
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method as well as documents required of a company to receive loan from banks. + Continue to support Mr. Nam Friday (20 Jul) + Filling in the report of Construction demonstrate Corporation the all financial information. Copy and form. + Printing some important documents for Mr. Nam 4 + Going to support Mr. Nam in negotiation Corporation with Coalimex me helps
understand more about the way Monday (23 Jul) + Going to meet customers to convince a company to get and negotiation with Mr. credit Nam from the the bank. of By this observing Mr. Nam talking and preparing files corporation, I can withdraw some notices and lessons as well as experiences. Wednesday (25 Jul) + Support Mr. Nam with cash management. + Fill in the report with Son Construction Company for Mr. Nam. + Read the documents about the cash management. Understand more about the purpose, model
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corporation. Then draw some conclusion about the situation of a company. + Continue to apply theories learned in some cases. Mr. Nam + Cases analysis of cash instructs me more about this Friday (27 Jul) management in corporations. section. Then make the report of Challenge: This is an area that I lending decisions. was not taught in the course, so It's hard for me to get on well with it quickly. 5 Monday (30 Jul) Nam in exchange + Looking up exchange rates of + Continue to support Mr. Dollar against VND and count rate the + total value and of some making determination documents. and transactions. Printing photocopy of some documents + Find the information about B&B Wednesday (2 Aug) + Going to meet customer with Mr. Nam. Corporate + Going to meet representatives from Hoa Binh construction Corporation with Mr. Nam. Observing his negotiation. Friday (3 Aug) + Going to meet customer with Mr. Nam. + VND Continue to look up the
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L Th T Hng A4CLCKT 0951050076 + Going to meet representatives from B&B Corporation with Mr. Nam
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Chng ti ng rng n ny l mt phn ca Hp ng Cp Bo lnh v to thnh mt tha thun cho vic pht hnh bo lnh ca Ngn hng theo yu cu ca php lut. i din v thay mt Cng ty CP u t v Xy dng cng nghip
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TI SN A - TI SN NGN HN (100=110+120+130+140+150) I. Tin v cc khon tng ng tin 1. Tin 2. Cc khon tng ng tin II. Cc khon u t ti chnh ngn hn 1. u t ngn hn 2. D phng gim gi u t ngn hn (*) (2) III. Cc khon phi thu ngn hn 1. Phi thu khch hng 2. Tr trc cho ngi bn IV. Hng tn kho 1. Hng tn kho 2. D phng gim gi hng tn kho (*) V. Ti sn ngn hn khc 3. Thu v cc khon khc phi thu Nh nc 4. Ti sn ngn hn khc B TI SN (200=210+220+240+250+260) I- Cc khon phi thu di hn DI HN
100 110 111 112 120 121 129 130 131 132 140 141 149 150 154
6,447 12,112 6,437 12,112 10 3,578 3,890 3,578 3,890 473 745 351
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NGUN VN A - N PHI TR (300 = 310 + 330) I. N ngn hn 1. Vay v n ngn hn 2. Phi tr ngi bn 3. Ngi mua tr tin trc 4. Thu v cc khon phi np Nh nc 5. Phi tr ngi lao ng 6. Chi ph phi tr 9. Cc khon phi tr, phi np ngn hn khc II. N di hn B - VN CH S HU (400 = 410 + 430) I. Vn ch s hu 1. Vn u t ca ch s hu 2. Li nhun sau thu cha phn phi II. Ngun kinh ph v qu khc TNG CNG NGUN VN (440 = 300 + 400)
9,949 15,072 9,949 15,072 6,849 11,767 2,582 2,864 76 438 256
181 319 330 400 410 411 420 430 440 Check 4 4 4,174 4,414 4,174 4,414 2,000 2,000 2,174 2,414 14,123 BCTC cn 19,486 ngh kim tra cn i
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BO CO KT QU HOT NG KINH DOANH Nm 2011 n v tnh: Nm nay 34,543 32,965 2. Cc khon gim tr doanh thu 3. Doanh thu thun v bn hng v cung cp dch v (10=01-02) 4. Gi vn hng bn 5. Li nhun gp v bn hng v cung cp dch v (20=10-11) 6. Doanh thu hot ng ti chnh 7. Chi ph ti chnh - Trong : Chi ph li vay 8. Chi ph bn hng 9. Chi ph qun l doanh nghip 10 Li nhun thun t hot ng kinh doanh {30 =20+(21-22)-(24+25)} 11. Thu nhp khc 12. Chi ph khc 13. Li nhun khc (40 = 31 - 32) 14. Tng li nhun k ton trc thu (50 = 30 + 40) 15. Chi ph thu TNDN hin hnh 16. Chi ph thu TNDN hon li 17. Li nhun sau thu thu nhp doanh nghip (60=5051-52) 18. Li c bn trn c phiu (*) 2 10 11 20 21 22 23 24 25 30 31 32 40 50 51 52 60 70 879 654 765 482 1,079 906 1 227 15 261 (15) (34) 1,065 872 186 218 34,543 32,965 31,864 29,589 2,679 3,376 3 13 838 2,001 838 2,001 Triu VN Nm trc
M s 1
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Phng 702 - Ta nh s 3 Liu Giai - Ba nh - H Ni in thoi: (04) 62661088 / Fax: (04) 37624020
S: /BCT-CIB H Ni, ngy 23 thng 07 nm 2012
BO CO THM NH
V/v ph duyt phng n cp hn mc tn dng v bo lnh i vi Khch hng
i vi cac quyn oi n ma Chu u t la cac n vi nha nc uy tin co ngun tai tr t Ngn sach quc phong, NSNN, Worldbank, FDI thi yu cu hp ng kinh t quy inh ro tai khoan thanh toan la tai khoan cua Khach hang tai MB, khng yu cu ky cam kt 3 bn.
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25.000 triu ng Ti sn bo m
- Bao lanh d thu, bao hanh: Tin chp. - Cac bao lanh con lai: + Th chp quyn oi n t cac cng trinh do MB phat hanh bao lanh. + am phan Khach hang th chp b sung thm bt ng san/ng san khac am bao cho han mc c cp.
Yu cu qun l
- Theo di thng xuyn tnh hnh hot ng kinh doanh v chuyn doanh thu ca Khch hng. - Theo st tin thi cng, nghim thu v thanh ton ca cng trnh MB pht hnh bo lnh. inh ky hang quy, yu cu Khach hang co bao cao san lng thc hin, nghim thu, thanh toan, tin b thi cng cac cng trinh. - Kim soat bao lanh tam ng nh mt khoan tin dung, trong o co s la chon nhng phn vic ma Khach hang co th manh v nng lc quan ly va
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Kt qu hot ng kinh doanh (Cng ty me va cac n vi phu thuc): Ch tiu Nm 2009 Tr gi San lng (tr) Doanh thu (tr) Xy lp Ban hang DV khac Gi vn (tr) Nm 2010 %/DT % Tng Tr gi Nm 2011 %/DT % Tng Tr gi %/DT 1.895.49 8 1.381.19 5 -
1.017.19 3 -
100%
1.290.39 1 917.641
100%
27%
7% 100% -
71%
364.727 8.023
28% 1%
1.337.22 3
97%
975.610
96%
1.239.60 0
96%
27%
8%
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Nhn xet
- Doanh thu hoat ng kinh doanh cua Cng ty co s tng trng qua cac nm, ty sut li nhun mc nho (>2%) do gia vn chim ty trong ln (~97%). - Linh vc xy lp em lai doanh thu ln nht cho Cng ty nhng ang co xu hng giam kha manh, trong khi o ty trong doanh thu ban hang co s gia tng cao.
A4. nh gi v tnh hnh ti chnh (Cng ty me va cac n vi phu thuc ): BCTC 2011 cha kim toan BCTC c kim toan hang nm? Cc ch tiu ti chnh Co Khng, chi tham kho
Nm 2009
Nm 2010
% Tng
Cac chi tiu c ban trn BCTC 1. Tng ti sn Tai san ngn han - Phi thu ngn hn - Hng tn kho Tai san dai han 1.606.12 4 1.211.80 2 713.729 1.955.25 3 1.454.34 5 836.206 1.710.02 6 1.206.01 8 801.121 100% -13%
71%
-17%
47%
-4%
126.608
357.879
291.743
17%
-18%
394.322
500.909
504.009
29%
1%
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229.050
317.971
343.767
20%
8%
1.606.12 4
1.955.25 3
1.710.02 6
100%
-13%
1.383.00 2 1.381.42 8
1.608.18 9 1.579.58 7
1.353.17 1 1.318.55 1
79%
-16%
77%
-17%
204.403
343.089
238.394
14%
-31%
209.870
183.988
261.283
15%
42%
558.233
642.799
476.021
28%
-26%
331.006
225.136
220.017
13%
2%
1.573
28.602
34.620
2%
21%
902
28.591
29.400
2%
3%
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Cac nhom chi s tai chinh 1. Vn -169.626 lu ng rong -125.242 -112.534 -10%
2. Nhom cac chi s kha nng hoat ng Vq vn lu ng Vq hng tn kho Vq cc khon phi thu 0,84 0,97 1,04 7%
7,71
5,12
4,12
-20%
1,43
1,67
1,69
1%
3. Nhom chi s v kha nng thanh toan K/nng TT ngn han K/nng TT nhanh K/nng TT tc thi 0,88 0,92 0,91 -1%
0,76
0,65
0,64
-2%
0,24
0,12
0,03
-75%
4. Nhom chi s v kha nng t tai tr H s n/Tng TS 86% 82% 79% -4%
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Bnh thng
Bt thng
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