Profitable lending business has been mainly from currency loan interest rates. The period of 2012-2014 ANNUAL BUSINESS lending profits for S & T to increase through the year, in particular in 2013 rising 299 million (20.82%) and the increase of 496 million by 2014 (28.59%). So, profit from BUSINESS loans for SCIENCE and TECHNOLOGY, not the increase of the absolute value that next year's growth was also higher than that of the previous year. Besides, we also see that, profits from lending operations of business make in profits for lenders. So we can say that the growth of profits of the BUSINESS lending activity for SCIENCE and TECHNOLOGY have contributed largely to the growth of profits of the subsidiary. Therefore, to increase the profits of the branch should more emphasis to the lending activity of production and business.The most noteworthy thing when looking at table 2.14 is the proportion of the ANNUAL BUSINESS lending profits for S & T in total operating profit for lenders in 2013 and 2014, the decrease compared to the year 2012, in particular the proportion of BUSINESS lending profits for S & T in 2012 is 44.30%, 2013 is 41.18% and 43.27% in 2014. Can explain this problem as follows: since Vietnam joined the WTO, the competition among the increasingly acrimonious, URBAN COMMERCIAL banks must diversify the products to customer service so that most banks are gradually shrinking the traditional product development capital to have new products that meet market needs as : gold, investment securities advice..., so the income from lending activities in General and income from lending products in particular are falling down. However, Saigon TPB also need to be cautious with the development of new products, should not be suspended as credit operations by current economic conditions then this is still the key activities.
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