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




      


         



                 


 



             
 



; vai trò

- 
 tính vô hình, tính 




- Môi trường vĩ mô: 
;  
tác kinh doanh; .
2
- Môi trường vi mô: 


thông; 
.


- Kinh nghiệm thành công của một số NHTM
+ .
+ .
- Bài học kinh nghiệm cho Agribank chi nhánh tỉnh Tuyên Quang: 






 





            - 

             

- 

            




3

             
A
- Đặc điểm của chi nhánh có ảnh hưởng đến việc phát triển dịch vụ phi tín
dụng: 



 

   



ribank

Những khó khăn, thách thức: 

 


 


 

                


 

           

- Tình hình hoạt động kinh doanh của Agribank chi nhánh tỉnh Tuyên
Quang trong thời gian qua: Về nguồn vốn huy động: 
4
4 3.418 5 4.112 6 4.798 
Về dư nợ tín dụng: 4 4.428 
2015 5.063 6 6.003 
Về thu dịch vụ
ròng: 413,8 5 
15,1  6 18,3  . Về lợi nhuận trước thuế: 4, Chi
529,4 5 580,3 
2016 688,2 
2.2 Phân tích t

  
ST
T






%thu

nhóm



%thu

nhóm





%thu

nhóm



I

13.870
100%
100%
18.297
100%
1


7.565
55,4%
44%
8.745
47,8%
2

496
3%
4%
669
3,1%
3

28
0,2%
0,3%
18
0,1%
4

311
2%
3,1%
463
2,5%
5

843
6%
8,8%
1.612
8,8%
6
-Banking
1.372
10%
12,3%
2.476
13,5%
7
-
Bancassurance
2.347
17%
20,2%
3.221
17,6%
8

844
6%
7%
950
5,2%
9
Thu khác
64
0,4%
0,3%
143
0,8%
II

6,62%
4,74%
5


- Sự gia tăng số lượng dịch vụ phi tín dụng mà ngân hàng cung cấp: 



 


- Chất lượng hay các tiện ích của dịch vụ phi tín dụng ngân hàng: 
               -

      


- Sự gia tăng số lượng khách hàng sử dụng dịch vụ phi tín dụng: T


.
- Sự tăng trưởng của doanh thu từ dịch vụ phi tín dụng: T

- 

- Thị phần doanh thu từ dịch vụ phi tín dụng: T
--
 
-12,5%/.
2.4 

2.4.1 Nhân tố bên ngoài, gồm: ; 
; ; ; ;
; .
2.4.2 Nhân tố bên trong, gồm: ng, k hoch ci vi
vic phát trin dch v ngân hàng; c tài chính cu Agribank chi nhánh tnh
Tuyên Quang;  vt cht ca ngân hàng; Uy tín ca ngân hàng; Phí sn phm
dch v phi tín dng ca ngân hàng; Hong truyn thông ca ngân hàng; Mng
6
i hong ca Agribank chi nhánh tnh Tuyên Quang; Ngun nhân lc.


- Kết quả đạt được: 




- Hạn chế: 


. CAgribank 


 

- Nguyên nhân của hạn chế: 
  



- Đánh giá khả năng phát triển dịch vụ phi tín dụng của Agribank chi
nhánh tỉnh Tuyên Quang.
+ Chính sách của UBND tỉnh:        



+ Thương hiệu mạnh: 
-


+ Điểm mạnh về dịch vụ cung cấp

7

khách hàng.
+ Nguồn nhân lực ổn định và được đào tạo bài bản: 



+ Kênh phân phối ngân hàng hiện đại phát triển mạnh- banking
ngân hàng

+ Hệ thống CNTT mạnh và có chiến lược chú trọng đầu tư cho CNTT:




             


- Định hướng, mục tiêu phát triển của NHNo&PTNT Việt Nam: 








- Định hướng phát triển của Agribank chi nhánh tỉnh Tuyên Quang: 



Agriban


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


 
ngân hàng.
              

- Hoàn thiện kế hoạch phát triển dịch vụ đồng bộ và phù hợp: 



Quang l









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- Tiếp tục hoàn thiện và tận dụng tối đa ưu thế của công nghệ hiện đại hoá
Ngân hàng đang được thực hiện tại Chi nhánh: 

g






 


- Đầu tư mới cơ sở vật chất hiện đại: 





 
chuyên nghi
- Tăng cường các hoạt động truyền thông: 

           


            u; Xây


chi nhánh.
- Nâng cao chất lượng nguồn nhân lực: 


         

10
- Phát triển các sản phẩm dịch vụ mới:    
); s  
; t
INTERNET.

- Kiến nghị với chính phủ:    

           


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