1. Kh nng thanh ton:2012201320142014 (VCB)

H s thanh ton hin hnh0.890.870.830.91

H s m bo thanh ton0.240.190.180.4

Ta nhn thy kh nng m bo thanh ton ca cc ngn hng hng trong hai nm gn y gim st rt nhiu so vi nm 2012.Trong khi h s thanh ton hin hnh gi mc cao v t bin ng nhiu sau cc nm.Nu so snh cc ch s ca BID vi VCB (2014) th ta d dng nhn thy VCB c tnh thanh khon ng tin cy hn BID

2. Ngun vn v s dng ngun vn:201220132014VCB2014

T l vn ch s hu trn tng ngun vn0.0550.0580.0510.075

Hiu qu s dng vn huy ng0.630.620.680.73

T l vn ch s hu trn tng ngun vn ca BID hu nh t c s bin ng nhng nu so vi VCB th km rt xa.Hiu qu huy ng vn ca BID vn km hn so vi VCB c th ngn hng huy BIDV huy ng 100 ng ch cho vay c 68 ng, con s ny ca VCB l 73 ng.

3. C cu ti sn:201220132014VCB 2014

T trng ti sn c nh0.0090.0090.010.008

T trng cho vay v u t0.690.70.680.55

D dng nhn ra t trng ti sn c nh trong tng ti sn ca BID t do ng qua cc nm v ln hn i vi VCB.Cng nh th, t trng cho vay v u t ca BID cng t bin ng qua cac nm v ln hn nhiu so vi VCB.

4. Phn tch kh nng sinh li:201220132014VCB 2014

NIM0.0270.0250.0260.02

ROE0.120.130.150.11

NIM ca BIDV cho thy cng tc qun l ti sn sinh li v qun l chi ph t li gn nh khng thay i qua cc nm v ln hn nhiu so vi VCB..T s liu ta d dng a ra nhn xt ROE ca BID ln hn VCB tc BID c t sut sinh li cao hn.