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Total outstanding loans increased continuously following the year as on the table 2.2, last year 2011 total outstanding at NHCT4 only 2,740,487 million, then there is a slight decrease in 2012 but has been rising fast. As of 31/12/2015, total outstanding reached 4,648,443 million, an increase of 1,907,956 million in the four-year period, equivalent to 17.4% average growth per year. Outstanding structure also has positive shift by gradually increasing the proportion of the short-term loan as Figure 2.2 below. From there, the Bank can reduce pressure the steady growth at the same time limiting liquidity risk for the VietinBank, demonstrate the efforts of all employees of industrial and commercial bank Vietnam-HO CHI MINH CITY for the 4th branch growth, stabilize the proportion of outstanding loans.
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