![](data:image/png;base64,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)
6
2.1 NĂNG LỰC CẠNH TRANH CỦA NHTM……………………………
2.1.1 Nâng cao năng lực cạnh tranh của hệ thống ngân hàng trong hội nhập…..
2.1.2 Nâng năng lực cạnh tranh của các NHTM Việt Nam trong thời gian tới...
2.2 GIAI ĐOẠN NGÂN HÀNG TMCP NÔNG THÔN NHƠN ÁI………
2.2.1 Giới thiệu về quá trình hình thành và phát triển của Ngân hàng TMCP
nông thôn Nhơn Ái……………………………………………..................
2.2.2 Cơ hội thách thức, nội lực và khả năng cạnh tranh của NCB……….........
2.2.3 Những nguy cơ và thách thức…………………………………………….
2.2.4 Những điểm mạnh và nội lực…………………………………………….
2.2.5 Điểm yếu của ngân hàng Nhơn Ái………………………………………..
2.3 GIAI ĐOẠN SAU KHI CHUYỂN ĐỔI LÊN NGÂN HÀNG TMCP
ĐÔ THỊ…………………………………………………………………..
2.3.1 Cơ hội thách thức, nội lực và khả năng cạnh tranh của SHB……………..
2.3.2 Những nguy cơ và thách thức…………………………………………….
2.3.3 Những điểm mạnh và nội lực…………………………………………….
2.3.4 Điểm yếu của ngân hàng Sài Gòn – Hà Nội………………………….......
2.4 Kết quả hoạt động kinh doanh của SHB qua các năm……………….
2.4.1 Tình hình huy động vốn……………………………………...…………..
2.4.2 Tình hình hoạt động tín dụng…………………………………………….
2.4.3 Doanh thu, chi phí, lợi nhuận của SHB…………………………………..
2.5 Các sản phẩm và dịch vụ……………………………………………….
2.5.1 Họat động kinh doanh ngoại tệ và thanh tóan……………………………
2.5.2 Dịch vụ thẻ ATM………………………………………………………...
2.6 Nhận xét……………………………………………………….................
2.6.1 Những mặt thuận lợi đã đạt được………………………………………...
2.6.2 Những khó khăn và hạn chế……………………………………………...
CHƯƠNG 3: NHỮNG GIẢI PHÁP ĐỂ NÂNG CAO HIỆU QUẢ CẠNH
TRANH CỦA NGÂN HÀNG TMCP SÀI GÒN – HÀ NỘI SAU KHI
19
19
20
23
23
24
29
31
33
41
41
43
45
46
47
47
48
51
54
54
55
55
55
57