Increase the response to, shrink soon.

Net income of bank credit slumped, increased precautions ACB and Eximbank's two foremost Bank announces loss in 4th quarter of 2013, the share of net income status: from interest rates reduced to half, while risk provisions rose to three, four times that of the same period. Results of dinh quarter 4\/2013 of two joint stock commercial bank (ACB) and Eximbank has just announced are all recorded losses sequential consistency 293 billion and 222 billion, due to some root causes similar: net income from interest rates plummet, prevention of risk skyrocketed, rising bad debt and negative in the array of Forex trading.

In particular, interest income, ACB NET in Q4 2013 only reached over 886 billion, during the same period, 2012 is more than 1,567 billion, down 43%; estimated year totaled sequentially over 4,386 billion and 6,870 billion cost birth control credit risks of the ACB in the quarter increased more than 137 billion, during the same period by 2012 just over 56 billion.

Estimated year 2013, ACB achieved profit after tax sequentially 824 billion, despite a five percent increase over the previous year, but only 58% of the plan.

Bad debt of the ACB increase from 2. 5% to 3. 03%, indebtedness, which have the ability to take high capital nearly doubled. Similarly, the Bank Eximbank, net income in the quarter 4\/2013 493 billion, just over half the 856 billion versus the same period 2012; waste prevention of credit risks amounted to 120 billion, more than twice three times over the same period was 39 billion.

You ended up by 2013, Eximbank losses to more than 230 billion from operations foreign exchange, increase nutrition compared to 182 billion losses the same period.

Both years, the Eximbank was only earning $ 658 billion net profit, down nearly 70 percent from the year 2012 and achieve less than 30% of the plan. Bad debt increased from 1. 32% to 1. 98%, in which the bad debt is likely to take capital gains 35%. Despite that have less than ten commercial banks issued financial thin 2013, song said, the results of operations of ACB and Eximbank have somewhat shows.

# Picture of bank system last yearThe difficult outputs: credit, interest rates plummeted causing net profit plummeted; bad debt at high levels, some to increase the lead to increased backup cost makes profits plummeted, though all outdoor units are trying to cut a clownfish, even the hard to cut costs, such as ACB, Eximbank. Credit: the amount needed, the substance also need some banks still maintain profit levels equivalent to the previous yearas Vietinbank, MB, even dramatic increases as the BANK.

In particular, the BANK is a Bank, 2013, net profit in 2013 reaches 4,046 billion, up 57 percent from 2012. Despite that last year, the banking system is tight credit material found out, but credit growth of the Bank is still up to 15%, raising capital increase 12%. Decent credit, gives the Bank net income from interest rose to more than 14,000 billion, an increase of 53% compared to year 2012.

A "Mr. Big", the bank credit expansion also Vietinbank quite successful, with 13% growth, mobilize increased 26%. Net income from the Bank's interest rate reached 18,276 billion, only fell slightly from the previous year.

With all the other banks are increasing all the time to prevent risks, Vietinbank mitigation also foreseen, as a result, net profit in 2013 of the Bank was still up 6% versus 2012. Optimism in the results of dinh of Vietinbank's depiction of bad debt, down from 1. 47% to 1%. Have the highest credit growth as of this moment is banking MB with 18% (mobilization of the Bank increased 16%), and this weak contributions help MB get the profits after tax 2,278 billion in 2013, the other less fundamental earnings volatility.

A pair of other Bank, most of the revenue, profits are rising, as Techcombank, net profit for the whole year only reached 659 billion, down 14% compared to the result which had low last year.

The year 2013, the bank credit growth is only 3%, with just less than half of the credit growth 7. 6%. According to a financial expert, in 2013, the bank kept the profits was a tool. However, he also said that the Bank's profitability depends greatly on the quality of credit, by a loan on time very high profits can "eat" all the capital if the customer does not pay the debt and the Bank are not taken up in full risk prevention.

Thao Nguyen.