Luận văn Phân tích kết quả hoạt động kinh doanh tại Ngân hàng nông nghiệp và phát triển nông thôn Sóc Trăng

Mục lục Chương 1: Mục lục 1.1 Đặt vấn đề nghiên cứu 1.2 Mục tiêu nghiên cứu 1.3 Phạm vi nghiên cứu 1.4 Lược khảo tài liệu Chương 2: Phương pháp luận và phương pháp phân tích 2.1 Phương pháp luận 2.1.1. Một số vấn đề về phân tích hoạt động kinh doanh 2.1.2 Tổng quan về ngân hàng thương mại 2.1.3 Hoạt động huy động vốn 2.1.4 Hoạt động tín dụng 2.1.5 Thu nhập - chi phí - lợi nhuận của ngân hàng 2.1.6 Các chỉ tiêu đánh giá hoạt động kinh doanh của ngân hàng 2.2 Phương pháp nghiên cứu Chương 3: Khái quát tình hình hoạt động của ngân hàng nông nghiệp và ptnt sóc trăng 3.1 Quá trình hình thành và phát triển ngân hàng 3.2 Cơ cấu tổ chức và các phòng ban trực thuộc 3.3. Tình hình hoạt động kinh doanh của ngân hàng 3 năm qua 3.4 Những thuận lợi và khó khăn của ngân hàng nn & ptnt sóc trăng trong những năm qua 3.5 Phương hướng và mục tiêu hoạt động trong năm 2010 Chương 4: Phân tích kết quả hoạt động kinh doanh của ngân hàng 4.1 Phân tích tình hình huy động vốn 4.2 Phân tích hoạt động tín dụng 4.3 Một số hoạt động dịch vụ 4.4 Phân tích kết quả hoạt động kinh doanh CHương 5: Một số giải pháp nâng cao hiệu quả hoạt động kinh doanh 5.1 Công tác huy động vố 5.2 CÔng tác tín dụng 5.3 Về phát triển sản phẩm dịch vụ, công nghệ thông tin 5.4 Nâng cao chất lượng đội ngũ cán bộ ngân hàng CHương 6: kêt luận và kiến nghị 6.1 Kết luận 6.2 kiến nghị

pdf88 trang | Chia sẻ: maiphuongtl | Lượt xem: 1761 | Lượt tải: 0download
Bạn đang xem trước 20 trang tài liệu Luận văn Phân tích kết quả hoạt động kinh doanh tại Ngân hàng nông nghiệp và phát triển nông thôn Sóc Trăng, để xem tài liệu hoàn chỉnh bạn click vào nút DOWNLOAD ở trên
+[Iqk2B*6n[2[nŒDFCAAGB$AE2&.AE(B7G&z&.1AE FC A &.$AE F+ B0A BE :+ o2oŒIC*$ 756 &JAB BJAB FC A &B B=A 7C &.AEl&BAE7$A;6D(*B0B7T&."&BJFCAAEAB0A78C& BE& $270&6Wk2[kŒI-CA&.$AEF+B0A&$'(BB AEC&(*B0BABCAE SAE78B+A&B+AB7C&z:={6W(B:+q2[oŒI \9P9\95g[K Qb&W6B&CEAB+AEA+FY&B\"<AB"'&B*$<A2(B&*AB+ABb&@A FUAE 7V$6AE6$<A &B$ 7C A + :8 7RAE B0AI)B 7GAEB=U b &@A FUAE6D7C956:+B+A&b&+CEAB+AE6D70&7C6U7@B!"6JAB :+&0.":AB$4A&\b&@AFUAEI C#$B0A2A(BG7N:+ABZAEMD$B=A.fA&!"Bb&:CAE&@AFUAEI )BB&ABA#$B0ASAE7^AEAEBX"D(BAA"'!"CEAB+AE78MO .!.IsJ4'CEAB+AEABA&J6."AE$' AABAB&ABA#$B0A 7^AE&B/&J6."EAB7DB0AB*A#$B0A2AB|6EA6&BD$.!.B CEAB+AESAEABCAAE"B=$#$AB0&7BAEBCEAB+AEI .Y?.0a,   D.~:0LK 1 .MN?. '4:0H, € :)W,- ‡ €`a >N:B ‡ *,5 b9ibCX}p b9bi}XCi CppXpp }iXpp CEAB0A [Iool2no [Iqk2[ n[2[n k2[k .$AE2F+ B0A Ipo2o nlo2qq o2o q2[o K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-fP "B8'9569&b$&z&.1AE!"A9b$&B5&B/B0AB"'#$"MD$ 7^"$         C;6qC;6nC;6p BQ,.C\O€:)W,-,5g[K:.‰M:.v0.N,:…,<=PppixPpp}  "&Bb'&z&.1AEA9b$2&"&Bb'7<DBJAB&BWB"'AEAB0AB*6 &z&.1AE"BAI$'AB A2AGG9$BCDAEEA6FA#$"A;6I\nk2oŒ &.AEA;6qEA69$<AENAlk2kŒ &.AEA;6nIF"AEA;6p2 :0 &* &U EA6 ABa 9$<AE NA l2pŒI . AEC D BJAB &BW AEA B0A2 &z &.1AEA9b$7<D(BAA&@AFUAE&.$AEF+B0A:0&;AE: A#$"A;6I B*6BE&\qŒ&.AEb$A9b$&;AE: A6Wkl2lnŒ{A;6q2.^: A kq2Œ{A;6pIJABBJABA9b$U&BDABC"$ <D&JABBJABA9b$AEAB0A: A&UEA6#$"A;6IU&BD2A;6 q70&<&VA:+[o2qk&z7^AE2B*6BAnŒ&.AE&mAEA9b$IBJ"AE A;6nEA6BENApp2q&z7^AEI†&VE&.O&$'=&7<2A<EA67:+ [l2k &z 7^AE2 9& V E &.O &CAE7<2 &z := EA6{6W n2qkŒ  D A;6 qI )B AE AE\AE { 7G2 A 9b$ AEA B0A &* &U 7+ EA6 9$<AE BE NA [2lq&z7^AEI<7BEA6&.AEA;6A+'&;AE"BADA;6&.CD270& 6Wn2olŒIA < &$'=& 7< EA67 &CAEWAED oq2k &z7^AEIcTFY F"AB<B"'AEAB0A{6W"ABCAE&z:=A9b$7<DBJAB&BWA+' :0EA6FA#$"A;6IV$A+'B&Bb'BJAB&BWB"'AEAB0A@&&V6 tA.!.IB@ABJ4'&"&Bb'CEAB+AE78GBCDAE&4&.$AEB=$#$A(B7$ &CABV$+:0A+'IQ A0AB7GSAEB&Bb' AE&&Bt67OABFA B"'AEAB0A!"CEAB+AE7870&B=$#$ABAI lkŒ kqŒ nkŒ qŒ CEAB0A .$AE2F+B0A lk Œ kq Œ K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-fS .AECD &JABBJABA9b$AEAB0A : A &UEA6#$"A;62A 9b$&.$AEF+B0A:0G&;AEEA6IC;6n2A9b$&.$AEF+B0A&;AE&\ [p2[[&z7^AE{A;6q: A6Wo2q&z7^AEI<7B&;AE: A&Dkk2p[ŒI $'AB A2 &JABBJABGr:0#$"ABA(BMCD"AEA;6pA9b$EA6 9$<AEBENAn[2o&z7^AE&CAEWAED&<7BEA6:+q2[ŒIC9b$&.$AE F+B0A&;AE: A{A;6n.^EA69$<AE{A;6p7G:+F&JABBJABB "':0A+'&;AE: A&.AEA;6nABCAE AE&&B$A:0EA69$<AE2NA &.AEA;6pB"'&.$AEF+B0AEA69$<AEABCAE&JABBJAB&B$B^A:0 &BB=A&<&A A&;AE: AIcTFYB"'&.$AEF+B0ABEB*6&z&.1AEABL ABCAE7<DA9b$&BJ:0A+':0B*6&z&.1AE&CAE7<"IV$A+'B &Bb'BJAB&BWB"'&.$AEF+B0ABW"7AEABV$.!.BADB"' AEAB0AIsJ4'6+7<D:0A+'2CEAB+AEr&Bt67OAB+AE:1tA&B4A 7DG&BDEA6.!.9$<AE6W&BbABb&G&BDI @e,-zOQ,..Q,.,5g[K-0G0>MN,f:.;,->rK,<=Ppp}xPpCp &&z7^AE C67B8+'  .AE l &BAE 7$ A;6 2 &mAE A 9b$ 6+ CEA B+AE 6 BA :+ lo2l[&z7^AEIFDYAE(‹A;6p2A9b$EA672ln&z7^AEV6T& E &.O &$'=&7<2 NAVA< &CAE7<2 &z :=EA6 :+2opŒI.AE &mAEA 9b$2A9b$AEAB0AB*6<&VA:+[2ko&z7^AE2D&z&.1AE&CAEWAE:+ lk2ŒI†&VE&.O&$'=&7<EA62oq&z7^AE&CAEWAED&z:=:+p2pnŒ D&JABBJABA9b$!":0BJABAEAB0AYAE(‹A;6pI.AE(B7G A9b$&.$AEF+B0AB*6q2ŒD<&VA&CAEWAE:+l2p&z7^AEIC f:.;,-Ppp} f:.;,-PpCp  D.L,.`a?.   D.~:0LK '4:0H, € :)W,- ‡ '4:0H, € :)W,- ‡ '4:0H, €`a ‡ 5g[K CfzXSP CppXpp CfbXf\ CppXpp PXfz CXb} CEAB0A o2p ln2nq [2ko lk2 e2oqi ep2pni .$AEF+ B0A o2[ k2k l2p q2 n2np l2pq K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-f\ 9b$&.$AEF+B0AG&;AEABaDYAE(‹A;6AE70&6Wl2p&z7^AE2 D&<7B&;AE&CAEWAE:+l2pqŒ \9P9b9D.~:0LK:0LK>;,.-0;.0aKdKe:/,cs,- CE+=BA&@BBE& $ABCAE$^A<A2F"AB<B"'2F"AB <&B$A2FCA+A9b$&BJ7D&Bb'.fBAB=$#$AB0&7BAE&@AFUAE!"B ABAB&"BA&@BBE& $"$ @e,-}OD.~:0LK>;,.-0;.0aKdKe.MN:>],-:/,cs,- C67B8+'  G€`ac*,5:)L,I4,.K7>],-O BE & $A+'BAAABB=$#$A gFUAE<A!"CEAB+AEIAGER  AB(BAA;AEB"'7<DAE$^A<AB$'7BAE7C2BBRAE&"M*&B0& 7BAE!"CEAB+AEG&4&.$AE+B0&7BAEbB&&@AFUAEB"'(B AEI .AEM"A;6#$"&JABBJABgFUAE<AB$'7BAE!"AEAB+AE(B&<&I z:=A+'&;AEFA&\2kp:A{A;6q: A2[n:A&.AEA;6nI*AA;6 p&BJ&.AE27^AEFCAG7^AE<AB$'7BAE2EA6DA;6nI <Dl &BAE7$A;62 &z:=FCA&. A<AB$'7BAE{6W2o:AI CBJAB$AE2&\A;6q7*AA;6p+E"70Al&BAE7$A;62&z :=FCA&. A<AB$'7BAE7V$"BAIV$A+'B&Bb'&<7B&;AE&.C{AE FCA.b&&<&IG:+AB/+B@ABB6{.BAEB0&7BAE&@AFUAE27"F0AE D.~:0LK  Pppi Pppz Ppp} f:.;,- PpCp -"AB<B"' z7^AE pInp2ln oIkl2k Ikk2kl oIkk[2nk -"AB<&B$A z7^AE nIkn2po [Inkk2lp Inq2o[ [Ip2[ -CA z7^AE [I[kn2l [Ipl[Ilq oIp2[p oIoqp2q -CAMJAB#$A z7^AE kIqo2[ [Iq2kq oIkq2n [I[ll2[ C9b$ z7^AE po2q ko2kl l2n loIl[ s<AB$'7BAE z7^AE Inok2[l Ippp2p Io[o2[ I[nk2o -CA„s<AB$'7BAE ]A 2kp 2[n 2 2o sNAE#$"'<A&@AFUAE NAE 2l k2l 2 2 d=<&B$A Œ no2kq pl2oq pn2l p2nn C9b$„-CA Œ l2lo l2k[ [2[[ 2pl K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-fb BJAB&BWB"'&.AE&AE:D(AB&*!"CEAB+AE7WAE7CAB$ $7"F0AE!"(BBB+AEIDG7C(*&#$AABC4'2CEAB+AE78FUAE ABV$M=AB:ABB0&7D&B$BR&AE$^A<A+7C"."6W:8B"'BY B7D&B$BR&&AE:DFAC&.AE98BB7*A"'<AICEAB+AE78B& B$'B=$#$AAE$^A&VAAB+A.K&\FAC+&mBW(AB&*I {‚,-dKG7I4,:/,cs,- BE& $A+'7 :C/AE&<7B:$AB$'DA<A&@AFUAE2BAAAB &<7B &B$B^A!"AEAB+AE:+AB"ABB"'B46IIC*$<:ANAE#$"'<A&@AFUAE +AE"&BJ7^AE<A!"CEAB+AE#$"'+AEAB"AB2:$AB$'DA: A&U70& B=$#$A"IBE<A+'+AE:DA&BJ+AEG:BCEAB+AEI ,$"MAAE<:=$&. A2&"&Bb'NAE#$"'<A&@AFUAE!"CEAB+AEG M*A7BAE&;AEEA6(B AEmA7OAB#$"A;6IC;6q:+2lNAEIF"AE A;6 n :+ &;AE : A 70& k2l NAE2 &;AE 2p NAEI *A A;6 p :0 EA6 9$<AENA2NAE2EA62plNAEDA;6nI AE7<Dl&BAE A;6 2 NAE #$"' <A &@A FUAE BE NA 70& 2 NAEICBJA B$AE2 NAE #$"'<A&@AFUAE!"CEAB+AE&.AEE"70A#$"70&7C&CAE7<B46I $' &B*27V$A+'BC" &BDB=A7CB*& B=$#$A!"#$ &.JAB :$AB$'DA <AIsJA*$NAE#$"'<A&@AFUAE{6W&CAE7<ABCAE:AB$4A6"AEV {6W"&BJA7C956ABC70&B=$#$AI ?Ba_4:.K,5 BE < A+' BAA AB B0& 7BAE &B$ B^ A !"CEA B+AE 7< D  (:BAAB"'B"'(BAA;AE&.AA!"(BBB+AEBCEAB+AE2BM*&< &VACEAB+AE~ &B$7C &.AE&B/(‹ABb&7OAB &\6B&7^AEF"AB<B "'Id=<A+'B&"&Bb'&JABBJABB0&7BAE!"CEAB+AEG70&B=$#$A B"'(B AEId=< &B$A+AE"+AE7C7ABE &<&2B &Bb'  &*A &.JAB  AE&&B$B^A!"CEAB+AE&BB=A&<&I ,$"MAAE&. A&"&Bb'&JABBJAB&B$A!"CEAB+AE:$ A70&6W"+ 7CA &B=A#$" &\AEA;6IC;6q2B= < &B$A!"CEAB+AE {6W no2kqŒI F"AE A;6 n2 &z := A+' 7C AAE : A 6W BA pŒ2 U &BD 70& pl2oqŒI)B AEF\AE{7G2B=<&B$A:0&*&U&;AE&.AEA;6p: A6W .b&":+pn2lŒ2&;AEABa2kŒDA;6nI*Al&BAE7$A;62 &z:=A+'A7WAE{6W"6TFYGEA67 BR&DA;6\"#$"I70& K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-ff p2nnŒICBZAE(*&#$A70&7C.b&"&.AE&B/E"A#$"BBRAE&"&Bb' 6B&7V$ .|AEF6GA"'!"CEAB+AE &.AEE" 70AA+'B!'*$ :+ AEAB0AA A6GA"'A+'7B0A&.AEA;6I6GA"'B!'*$:+AEA B0AA A .!. @&+ &B$B^AAE"'&.AEA;6IQ A0AB7G &"NA&Bb'7C .|AECEAB+AE78&BB=A&<&&\(B$:"B1A(BBB+AE7*A9&F$'=&B "'+&B$B^A(B7*AB0A7^AE&B/ AE&&B$A7CBABABEAD &.BAB=6!"&\AEAMB&@AFUAED&\AE6GA"'6+6JABBU&.BA A &JABBJABA&B=A.b&7AE(DI'&B4&:+6B&(*&#$A(BA#$"A+A&* &UB&B$'BAAZ"&.AE AE&&B$A(BBB+AE!"CdC?CFG .;AEAB|67A6MAAE$^A<A6+CEAB+AEML."&B$B^7CAB"ABBGAE +B=$#$AI c€`a,5g[K:)L,c*,5O ':+BE& $BAAAB.fABb&V&z:=.!.B&AB&.AE6GA"' !"BABAB2AG&BDB=A(BAA;AE6+<A7$&C!"BABAB(B AE&B$B^ 7RAEB0ABTG(BAA;AE6b&<AI'SAE:+BE& $FYAE7D7ABEBb& :CAE&@AFUAE!"6B&CEAB+AEI CBC78&Bb'{MAAE<:=$2&z:=A#$B0A&. AFCA!"CEAB+AE: A &UEA69$<AE#$"A;6I\6Wl2loŒ{A;6qEA69$<AENAl2k[Œ &.AE A;6nI*A A;6p2 &z := A+' BE NA[2[[ŒIT M=& :+ &.AEl &BAE7$A;62 &z := A #$B0A &. A &mAE FCA BE NA {6W &Bb :+ 2plŒ2D(*B0B7T&.":+&BbBAoŒ&BJ956ABC&z :=A+'7870&BE & $.b&&<&Is=&z:=A9b$&. A&mAEFCA!"CEAB+AE: A&UEA6:+6B& 7V$.b&7AE6\AEIV$7GB&Bb'Bb&:CAE&@AFUAE!"CEAB+AE&.AE ABZAEA;6#$":+.b&&<&2.b&B=$#$AIcTFY#$6 &@AFUAE!"CEAB+AE AE+'+AE7C6{.BAEBAABCAEBb&:CAE&@AFUAEA:$ A7C7A6MA .b&&<&IG7C7C(*&#$AABC4':+FQ"A:8ABCEAB+AE:$ A&.1AE +&BC/AE9$' AABAB{&.AE AE&B"'2&\AEBE& $2AB=6UU&BD 7CBA AE7'7!2.f.+AE+B:@YAEDABZAEB*7BC$782(B$'*A (B@BAMBABA A<EAEBN"A&B+AB&<&AB=6U7CE"IB@ABJ&B* 6+ AE&&@AFUAE&0CEAB+AE7C(D6&BT&B~FA7*A&z:=A+' EA6#$"A;6I':+ABZAEAK:.b&7AEEBAB4A&.AE AE&AAE "Bb&:CAE&@AFUAE!"CEAB+AE&.AEABZAEA;6#$"I K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-fi \9S92]:_4.MN:>],-cŠ?.Is \9S9C90,.cMG,.,-MN0:a d0&7BAEFOBU:+6B&&.AEABZAE&B$AB4AE+:8$b&2B0&7BAEA+' 6"AE:0AE$^A&B$(B AEABLBCEAB+AEICB4A&Bb'7C&6#$"A&.1AE !"B0&7BAEFOBU2CdC?CG&.;AE78&;AEC/AEAAE"Bb& :CAEFOBUB(BBB+AEABCF$'&.J+&*&UA&*AAABt6FOBU &.$'VA&B<AEABC)ABF"ABAE0&=2B0&7BAEFOBU&Br2h F"$7'2&"B8'YAE&J6BD$B0&7BAE!"6B&<FOBU"$  @e,-CpOQ,..Q,.V0,.cMG,.,-MN0:a?FG-w,.6,-:…PppixPpp} I:O:)0aK' C67B8+'              BQ,.CbOQ,..Q,.=KG{;,,-MN0:a?FG-w,.6,-dKG{G,<=PppixPpp}   Pppi Pppz Ppp} Pppz†Pppi Ppp}†Pppz c$"MAAE0&=    F<&VA z:= eŒi F<&VA z:= eŒi c$"+ 2q q2p k2k e2koi e2i en[2lpi e[2qki QA." 2 pq2np k2k e2ki eo2nli eq[2qli ekq2qni Iq qIp kIk AA   ABB     A A q n p <=     D E F c$"+ QA." K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-fz  .AEA;6q2CEAB+AE78&BB=A6$"AE0&=+70&2q&.=$ vF-+MA."SAEDA<9b9E<6$"+:+2I"&Bb'&z:=F"AB <MADF"AB<&B$6$"70&.b&"IF"AEA;6n2&JABBJAB&B$6$" AE0&=GEA67 BR&IU&BD2F"AB<6$"+70&q2p&.=$vF-2EA6 2ko&.=$vF-&CAEWAED&z:=:+2ŒDA;6qI<D&JABBJAB AE0 &= MA ." 70& pq2np &.=$vF-2EA6o2nlŒVE &.O &CAE 7<2 2k &.=$vF-VE&.O&$'=&7<Iz:=AE0&=MA."DAE0&=6$"+&Bb BADA;6qIJABBJAB&B$6$"SAEABCAE0 &=MA ." :0 &* &U EA6&.AEA;6p2F"AB<6$"+BENAk2k&.=$vF-+F"AB< MA ." BE { 6W k2k &.=$ vF-2 :A :C& &CAE WAE D &< 7B EA6 :+ [2qkŒ+kq2qnŒI$'AB AA*$9569& &z:=MA."D&B$6$"&BJEA ABCCEAB+AE78MA."EAB*&<AE0&=&B$6$"&.AEA;6pIJABBJAB (ABF"ABAE0 &=EA6FA#$"A;6FB0&7BAE(BG(B;A2 &BO &.C/AE &VA&=(B AEmA7OAB2B AB:=B"EZ"&zE&BO&.C/AE&F+EA 6'*& !"CEAB+AE2 AE&'9$b&(Bt$B$'DA &B"AB &A+MAAE0 &="AE AEAB+AEGBK&.&zEM|AEE&BO&.C/AE&FI  @e,-CCOQ,..Q,.V0,.cMG,.,-MN0:a?FG-w,.6,- -0G0>MN,f:.;,->rKPpp}xPpCp &&.=$vF-       C67B8+'  <Dl&BAE2&B$6$"AE0&=70&6Woq2&.=$vF-2+F"AB < MA ." 70& oq2o &.=$ vF-I F D YAE (‹ A;6 AE &BJ &JAB BJAB (AB F"AB AE0 &= G  &;AE &.C{AEIU &BD2 F"AB <6$" + &;AE q2ol &.=$  f:.;,- Ppp} f:.;,- PpCp D.L,.`a?. c$"MAAE0&=   F< &VA z:= eŒi c$"+ p2lo oq2 q2ol p2pn QA." p2op oq2o q2[l p2n K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-f} vF- &CAEWAED &<7B &;AE : A &Dp2pnŒINAF"AB<AE0 &=MA ." &;AE&.C{AED&<7B&BbBA6B&BR&:+p2nŒIF<&VAE"&;AE: A:+q2[l &.=$vF-Dl&BAEA;6pI)B6+AABBC{AE&\(B!AEBAAE(AB&* 78GBAEA6MD& &BJF"AB<AE0 &= &B$6$"SAEABCMA."78GFb$ B=$&;AEDYAE(‹A;6\".^I \9S9C9Š?.Is:.‹            BQ,.CfOQ,..Q,.D.;:.6,.:.‹?FG-w,.6,-:…PppixPpp}  ,$"MAAE<:=$&"&Bb'2<&BrB&B+AB&.AEA;6nGEA6R& D A;6qI F< :CAE &Br B& B+AB BE 70& lIqn &Br2 < :CAE EA67 :+ oIk&Br &CAEWAED &z := :+[k2llŒI$'AB A&JABBJABB&B+AB&Br78 7C (B  BU &.AEA;6pI\ < :CAE BE :+ lIqn &Br AAE : A &B+AB pI[l&Br{A;6A+'I<7B&;AE(B"270&nn2[[Œ&CAEWAED<&Br E"&;AE: A&DIlqn&Br2EAEb7 <:CAE&BrB&B+AB&.AEA;6nI -&;AEC/AE AE&B&&.DAFOBU&Br2&BB=A&<&B0&7BAE&$' A &.$'VA#$AAEMAABt6FOBU&BrA A&.AEA;6A+'<:CAE&BrB& B+AB&;AE"I     p[ lqn p[l  o  o  o q n p <=  .‹ F<&Br K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-ip         BQ,.CiO'4:.‹D.;:.6,.:)M,-f:.;,-,<=PpCp_MIJ0V1.MN?. )*B0B6+CEAB+AE7T&."&.AEA;6:+B&B+AB<:CAE&Br:+ I[n &BrIJABBJAB &BB=A AE &B&B+AB&Br &.AEl &BAE7$A;6 A+'70&qIqlp&Br2A*$D(*B0BBE& $7T&."&BJCEAB+AE78B+A &B+ABD&z:=70&{6W(B":+q[2kŒIcTFYBE6D77CAg"BTAE 7C/AE!"A;6ABCAE=B+A&B+AB{6W"D(*B0BB&Bb' <:CAE&BrB&B+AB&.AEA;6A"'2B&Bb'(BAA;AEB+A&B+ABBE& $7T& .":+.b&"I \9\9.w,:/?.V1:dKe.MN:>],-V0,.cMG,. @e,-CPOQ,..Q,.V1:dKe.MN:>],-V0,.cMG,.?FG-w,.6,-dKG {G,<=:…PppixPpp} &.=$7^AE C67B8+' Pppz†Pppi Ppp}†Pppz  D.~:0LK <= Pppi <= Pppz <= Ppp} '4:0H, ‡ '4:0H, ‡ y,-:.K,.^D \}}9pff z}}9CCz zpp9zp} \pp9pbP zpXCf }z9Sp} CpX}S B$&\B0& 7BAE&@AFUAE [[kIp qp[Iq [plInk koIqn qp2 epnIlqi ekq2oni B$&\BB0& 7BAE&@AFUAE ooI[l [I[n k[Iql [pIq np2ko Ikn p2nk y,-?.0D./ \Sz9bzC z\C9ibi iPz9}}} \pS9Cif }CX}S CCP9ibz CbX\i BB@B0& 7BAE&@AFUAE kloI lnqIpnl [oIkq kIqnl nn2kp eqIllpi ekp2lki BB@BB0& 7BAE&@AFUAE qkIkn okIqq kkIln nIkp p2oo opIp k2pp 50,.K^, fp9\zb bi9SfC iC9zCp S9CPS bXCf C\9\\} PbXC} qqlp2 nnŒ [n2 Œ l&BAE BANA:0 D(*B0B K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-iC  @e,-CSOQ,..Q,.V1:dKe.MN:>],-V0,.cMG,.?FG-w,.6,- -0G0>MN,f:.;,->rK,<=Ppp}xPpCp &.=$7^AE                C67B8+' \9\9C9 .K,.^D ?BA &@B &B$ AB4 :+6B& BA (B AE &BD &B*$6+ NA .b& #$"A &.1AE &.AE=BA&@B(*&#$AB0&7BAE(ABF"AB!"AEAB+AE&BCAE60IsJ &B$AB4:+6B&BE& $AABBC{AE&.&*+#$'*&7OAB7*A:AB$4AB"'7*A (*&#$AB0&7BAE(ABF"AB!"AEAB+AEIs=BA &@B &B$AB4~ER BRAE&" &Bb'7C&JABBJAB2b$&B$AB4+7TM=& :+ERBRAE&" &J6 BD$297OAB7CABZAEAE$' AABA&7BAE7*A&B$AB4!"AEAB+AEI \7G2BRAE&"~GABZAEM=AB7D:+6&;AE&B$AB42EGBAAAE" :AB$4ABAEAB+AEI G.K:….MN:>],-:/,cs,-O SAEABC&b&AAEAB+AE&BCAE60(B&BJ(BAA&B$B!'*$+ :$ AB*6&z&.1AE"&.AE&mAE&B$AB4!"CdC?CFG.;AEB@AB :+&B$&\B0&7BAE&@AFUAE6+U&BD:+&B$&\:8B"'I-7G2&<7B&;AE D.L,.`a?.  D.~:0LK f:.;,- Ppp} f:.;,- PpCp '4:0H, €`a ‡ y,-:.K,.^D Sfz9bSP bCf9}Ci CbC9Szb \CXpz B$&\B0& 7BAE&@AFUAE Ikpo kkIkp Ippq oq2[ B$&\BB0& 7BAE&@AFUAE oqIkq n[Ioo qIknn q2[k y,-?.0D./ SSi9bfz \fC9}fS CP\9S}b SfXzb BB@B0& 7BAE&@AFUAE kIo oI[kn pI[kk o2k BB@BB0& 7BAE&@AFUAE lIoqk pIoo [nIpo k2[p 50,.K^, Sp9}f\ b\9}b\ PS9}}p iiX\z K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-iP &.C{AE&B$AB4{(BAA6UA+'SAEED&<7B&;AE&.C{AE!"&mAE&B$ AB4I                      BQ,.CzO.K,.^D:….MN:>],-:/,cs,-:…PppixPpp}  B$AB4 &\B0&7BAE &@AFUAE!"CEAB+AE &.AE &B/E"A#$"G &;AE EA6 (B AE mA 7OABI .AE A;6 q2 AE$^A &B$ A+' 70& [[kIp &.=$ 7^AEIF"AEA;6pG&;AE&.C{AE60AB6~: Aqp[Iq&.=$7^AEI<7B &;AE&.C{AE70&6Wqp2ŒI†&VE &.O &$'=&7<2< &VA &\AE$^A&B$A+' &;AEkoIqn&.=$7^AEIF{FX&<7B&;AE&.C{AE&B$AB4&\&\B0&7BAE&@A FUAE&;AE(B"ABC4':+FCEAB+AE78(*&B&B+AB AEEZ" AE& 6{.BAE&;AEC/AEB"'+ AE&(D6&."27 A7<&B$:8(BAA"' 7RAEB0AIcT&(B2F"AB<B"'&.AEA;6n&;AE: A&.AE7GB"' AEAB0AB*6&z&.1AE"2(BAA;AE#$"'NAE<AAB"ABA A6B&BASAE 78:+B&B$&\B0&7BAE&@AFUAE&;AE: AIF"AEA;6p2&B$&\&@AFUAEG :0GEA6R&DA;6n2&\qp[Iq&.=$7^AEE/BENA[plInk &.=$7^AEIF<&VAEA67:+pnIlq&.=$7^AE&CAEWAED&z:=:+kq2onŒI .AEA;6A+'F"AB < B"'G EA69$<AEFCEAB+AE &Bt67OAB AE+'+AE&B4A&.1AEBA7TM=&:+&.AE:XABAA9$b&A AEAEB=+A$  &.^AE &B$z  AAJ &JABBJABB0& 7BAE &.AE :XABA+'ET ABV$ .! .M{ "E89%: B A    CB   A B   C    A A A       A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-iS &B A&"2FOBM=AB&.AEABZAEA;6#$"I\7G6+:+6BAE$^A&B$&\B0& 7BAE&@AFUAEMOEA69$<AEI < D l &BAE 2 &B$ &\ B0& 7BAE &@A FUAE 70& 6W kkIkp &.=$ 7^AE26TFYBE6DB0&7BAE7CAg"BTAE7C/AEIFDYAE(‹ A;6\"#$"2AE$^A&B$A+'&;AEIppq&.=$7^AE2D&<7B&;AE&CAEWAE 6Woq2[ŒI"70AA+'FF"AB<B"'+&B$A!"CEAB+AE7V$ G(B BUDYAE(‹A AAE$^A&B$AB4&\B0&7BAE&@AFUAE&.AEl &BAESAE"BAI {.K:….MN:>],-D.0:/,cs,-O                    BQ,.C}O.K,.^D:….MN:>],-D.0:/,cs,-:…PppixPpp}  JABBJABAE$^A&B$&\B0&7BAEB&@AFUAE&.AEABZAEA;6#$"G E" &;AE: A &UI\ooI[l&.=$7^AEA;6q&;AE: A[I[n&.=$7^AE{ A;6nI)B AE7WAE{7G2&B$AB4&\B0&7BAEB&@AFUAE:0&*&U&;AE : A&.AEA;6p70&6Wk[Iql&.=$7^AEI<Dl&BAE7$A;62 &B$ &\ B0& 7BAE B &@A FUAE 70& 7C n[Ioo &.=$ 7^AE26B& < &VA SAE &CAE7<"J7'BE6D:+B0&7BAE!"l&BAE2A*$ABD&B$AB4 !"!"YAE(‹A;6p70&7C &BJAE$^A &B$A+'78 &BB=A7CBA q2[kŒ&CAEWAED<&VAE"&;AEqIknn&.=$7^AEI.AEAE$^A&B$A+' 6B&BA7*A&\&B$AB4&\B0&7BAE(ABF"ABSAEABC&\6B&F<FOB UABCB$'DA&VA2&B"AB&A#$<&*IB@ABJ4'AE$^A&B$A+': A&*&;AE C  BAC     A A B B A A A       A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-i\ #$"A;67V$7G6B&BASAE&BDB=AB0&7BAEA+'7C(BB B+AE&A&C{AE+gFUAEABV$BAI \9\9P9D.0D./ FAEAED=BA&@B&B$AB4&BJBA&@BBB@SAE:+(B$ (B AE(6BA#$"A&.1AE&.AEBA&@B(*&#$AB0&7BAE(ABF"ABIsJB B@SAE:+ABA&<AABBC{AE&.&*+#$'*&7OABF*A:AB$4AI?BA&@B BB@~ERBRAE&"M*&7C(*&b$(BAA6UBB@7DG&BDB0A B*(BAABB@Mb&B:%EGBAAAE":AB$4A260ABF0A&;AE C/AE(BAABG:BB0&7BAE(ABF"ABAB|6&BB=A&<&B*A :C6+CEAB+AE787V."I G D.0:….MN:>],-:/,cs,-O ':+(BAAB(B AE&BD&B*$&.AEB0&7BAEAEAB+AEIsJAEAB+AE B0&7BAEB!'*$ :+AB/+AE$^A<AB$'7BAE+6B&BA7*A &\AE$^A <A7V$B+IC*$AEAB+AE6+(B AEB$'7BAE7C<A&BJ(B AE&BDB0& 7BAE(ABF"AB7CI                     BQ,.PpOD.0D./:….MN:>],-:/,cs,-:…PppixPpp} CE$^AB&\B0&7BAESAEGM*A7BAEABC{BA&B$AB4&\B0& 7BAE &@AFUAEIC;6q2 B B B0& 7BAE &@AFUAE{ < &VAkloI &.=$ 7^AEIF"AEA;6n&;AE: A6W70&lnqIpnl&.=$7^AE2&;AEkIqnl&.=$ 7^AEI<7B&;AE&.AEA;6A+': A&D6Wnn2kpŒI.AEA;6A+'&JABBJAB &mAEB$'7BAE<A&\FACSAEABC&\&B+ABBA(B&;AE"A A:+6 BCA C C B   A B   C   A A A       A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-ib BBB@BBB0&7BAE&@AFUAE&;AE: AIcB&BASAEG&B*F0AB &."ABV:8$b&7DB$'7BAE&VAEgDCEAB+AE(B&.AE7O"M+A&EAB A A:+6BBB@6B&BA&;AE: AIQCD"AEA;6p26WBBB0& 7BAEA+'GGU&EA672BENA<&VA:+[oIkq&.=$7^AE<&VA EA6&CAEWAE:+qIllp&.=$7^AEI*AE"70Al&BAE7$A;62&JAB BJABBB@BBB0&7BAE&@AFUAE{6WoI[kn&.=$7^AEIFDYAE (‹A;6\"#$"2BB@78&;AED<&VA:+pI[kk&.=$7^AEI)B6+(B!AE BAAE(AB&*78FAFAFO$MD&72&JABBJABB$'7BAE<A!"CEAB+AE&.AE l&BAEA;670&7CABZAE(*&#$A(BA#$"A78:+6B=BBB0& 7BAE&@AFUAE&.AEE"70AA+'"BADYAE(‹A;6\"#$"I {D.0:….MN:>],-D.0:/,cs,-O                   BQ,.PCOD.0D./:….MN:>],-D.0:/,cs,-:…PppixPpp}  ,$"MAAE<:=$+#$"MD$7^&"&Bb'6WBBB0&7BAEB &@A FUAE : A &U &;AE : A #$"  A;6 + &;AE D &< 7B .b& "I U &BD &\ qkIkn&.=$7^AE&.AEA;6qIBJ"AEA;6n26WBBB0&7BAE A+'&;AE: A&B+ABokIqq[&.=$7^AEIF<&VAB&;AE: A:+nIkp&.=$7^AEI <7BE"&;AE{6W":+p2ooŒDA;6qI.AEA;6n26W BBB0&7BAEB&@AFUAE&*&U&;AE: AA<kkIln&.=$7^AEI< 7B&;AESAE(B AE&B$"(6EJ&<7B&;AE{A;6n270&6Wk2ppŒI< Dl&BAE7$A;626TFYBEB0&7BAE6DGBAAg"&B/E"A!" BB B BBCA     A A B B A A A       A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-if A;6ABCAE&JABBJABBB@:0A+'SAE7WAE{6W(B"70&pIoo&.=$ 7^AEIC*$ 756  D E" 70A l &BAE A;6p \" #$"2 B B@ B B0& 7BAEB&@AFUAE&;AE[nIpo&.=$7^AE2&CAEWAED&<7B:+k2[pŒIF{FX BB@:0A+'&;AE"&.AE&B/E"A\"#$"6B&BA:+FEA&BO&.C/AE &;AEAB"AB78:+6AABBC{AE7*ABB@F+ABBB0&7BAEB&@AFUAE !"CEAB+AE&.AEE"70AA+'I \9\9S950,.K^, )B BA &@B B=$ #$A B0& 7BAE (AB F"AB !"CEA B+AE2 (B AE &BD (B AEAG7*A:AB$4AM{:AB$4A:+6U& $B+AE7$6+Mb&(‹&m BW(ABF"ABA+SAE#$"A &67*A&.AE#$ &.JAB(ABF"AB!"6JABI 8(ABF"AB&BJ"SAE6AE6$<AG:AB$4A2NA:AB$4AABV$B"'@& &BJNA&Y'&B$B+(BAA;AE2&6ABJAB*A:C!"AB+#$AA&.O2 :8AB 70CEAB+AEB"'AABBC{AE!"ABV$'*$&<(BABC7V$(=A&B&*2 BB@B&AB2h"~7BA&@B:AB$4A!"CEAB"AE&.AEABZAEA;6#$"&\q p+l&BAEI                   BQ,.PPOQ,..Q,.`50,.K^,?FGBMƒ'„?)<,- -0G0>MN,PppixPpp}  CBJAB$AE&JABBJAB:AB$4A!"CEAB+AESAEGM*A7BAEABC &JABBJAB&B$AB4B"'BB@IC;6n2 :AB$4A!"CEAB+AE&\lI[no &.=$7^AEEA6NAoqIkl &.=$7^AEI<7BEA6BE{6W &Bb :+o2lŒ &CAEWAED<&VAEA67:+kIk&.=$7^AEIF{FX:AB$4AEA69$<AE:+ [knon nnp nppn [ppll qnppp n[qoq qn oqkll[no   [ l n  q n p       A mAE&B$AB4 mAEBB@ ]AB$4A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-ii F&<7B&;AEBB@&.AEA;6A+'"BAD&<7B&;AE!"AE$^A&B$ AB4&\7G78:+AABBC{AE7*A&JABBJAB:AB$4A!"CEAB+AEI$'AB A2 6W : AB$4AA+' 78 G  (B  BU 7AE (D(B MCD "AE A;6pI] AB$4A70&A<:+qIn&.=$7^AEI†&VE&.O&$'=&7<2<&VA&;AE: A:+ [I[[p&.=$7^AEI<7B&;AE&.AEA;6A+'{6W&CAE7<:+o2pŒD A;6nI *&UF$'&.J6W:AB$4A(B"2&.AEl&BAE7$A;6A+'2: AB$4A70&o[Ipo[&.=$7^AEI]AB$4AE"70AA+'DYAE(‹A;6\" #$"G&;AE: A(B&<&270&o[po[&.=$7^AE&.AE(B7Gl &BAEA;6\" #$"BE70&:AB$4A{6WkIpl[&.=$7^AEI-&.AEE"70Al&BAE7$ A;6&<7B&;AE&B$AB4"BA&<7B&;AEBB@DYAE(‹\" #$"A AFA7*A:AB$4A&.AEE"70AA+'"BAI.AE&JABBJABGABV$ GABV$AEAB+AEB0&7BAE0AB&."ABSAEABC&JABBJAB(AB&*(BG(B;A &.AEE"70A#$"2ABb&:+&.AEA;6n2p2:AB$4A!"CEAB+AEA 7WAE{6W&CAE7<"+G&;AE&.C{AE&.{ :0 &\A;6pIV$A+' B&"&Bb'7CAK:.b&:DA!"&4&BDAMBCdC?CFG.;AE &.AE=F$'&.JF"AB<:AB$4A!"AEAB+AEIQ A0AB7G2&"SAE&Bb' 7C!AEBB&A&C{AE!"(BBB+AEAE+'+AE"+CdC?CFG .;AEI                  BQ,.PSOQ,..Q,.`50,.K^,?FGBMƒ'„?)<,- -0G0>MN,f:.;,-Ppp}xPpCp  kkqoln olpq klnok [lplk o[po[kpl[    k [ o l l&BAEp l&BAE       A mAE&B$AB4 mAEBB@ ]AB$4A K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-iz  DBF 2"'AAB% DBA B "ABB b9C9Du,-:;?.K7>],-I4, CEAB+AE6$<AAAE"B=$#$AB0&7BAE(ABF"AB&.CD& AABA B!7BAE7CAE$^A<A7D7WAE(O&B/AB$$"'<A!"(BBB+AE SAEABCBUU BB0& 7BAE(ABF"AB(B!"CEAB+AEIc$<A4'2 CEAB+AEABAGABZAEB@ABB&0<ABYBAB|6(B"&B&.=&7D 61&V6A;AEV<A27TM=&:+7t'60AB AE&B$'7BAE<A&\FACM{ J7':+7<&CAE6"AE:0AE$^A<AF^F+BAEAB+AE2AGB*6&z&.1AE :DA+&CAE7<mA7OABIF"$7':+6B&<EABU&BD 0."AABt6B$'7BAE<AGB=$#$AABCB&&.DAFOBU&Br AB|6B$'7BAE <A &B AE#$" FOB U &Br6{ ." BCAE &.JABB& B+AB &Br 6jAB@2E"&Br&4AAB+2C$& ABB1AB2AB Ah ]8$b&B$'7BAEBA &B4& BbFAAEC/FAI.AE7V$(=A0AB &."ABABCB=AA"'&BJ:8$b&7C:+'*$&<MAA&.AE=F$'&.J+6{ .BAE&VAEgICEAB+AEABAB(BBB+AE&Bb'7CB@ABB: @B!"CEAB+AE7<DAEC/Eg&VAI-4'B@ABB:8$b&&VAEg&*& (=6SAEABC&VAEg!"&mBW(AB&*2ABAABABYB&B5 &\AE&B/7D62&\AE6U7@B!"(BBB+AEI GB@ABB(B5A&BC{AE&B@B7AEAB|6(B$'*A(B@BAMB2ABA A G &B+AB&@B&<& &.AE AE&B$'7BAE<A2ED &B=$(BBB+AEE"FOB DCEAB+AEI CAE"BAAZ"Bb&:CAEBUU!"ABA A&.AEE"&*AB=& &JAB2$r2&BA&B=A+G&AB&BA&.BAB=67<D(BBB+AEI B!7BAE7"F0AEBG"AABt6B$'7BAEDABV$(‹B0A2:8$b& BAEBR27WAE7C&BOB*$!"(BBB+AE2!"&l+AE:DFAC&B$BR& &<7"AE$^A&VAAB+A.KABC&*&(=6&@B:S'2&*&(=6EgEG2&*&(=6F &BC{AE2G&TAEBt62hDABV$6W:8$b&B:%26"AE&@AB0AB&."ABI   K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-i} b9P9Du,-:;?:/,cs,- .AE7V$(=ABBAB4”•B=AA"'2s=&C"6G.b&ABV$C$78 ABC 7C & EA6 &B$* AB4 (Bt$ &B5  "6 (*& 6{ g"2  B@AB B (B$'*A(B@B&FB7$&C+&BCAE60!"B@ABB!~EGBA&;AE C/AE&B$BR&–-x+s=&C"62hdBAB4#$<&*~&06  &.C/AE27BAE :B&;AE&.C{AE(AB&*2 &0 &B 6ABV$ AE;A= :+6B98BB2SAE ABC &B 6ABV$BB(ABF"AB &.AE :XABAEAB+AE2 &.AE7GG= &;AE&.C{AE&@AFUAE27$&CIQ A0AB=B$'7BAE<A+CEAB+AEAE+' +AEABV$DABZAEM=AB:ABB0&2BbFA&BJCEAB+AESAEBAAK :&J6M=ABAAE"B=$#$AgFUAE<AID&.AB7^AE&VA(B AEMO 7GAEM;AE2:+6&;AEF"AB&B$+:AB$4A&BJCEAB+AEBAGABZAEM=A B &B BYBEZ"=B$'7BAE<A+ gFUAE<AAB|66"AE :0 B=$#$A(ABF"ABAE+'+AE"IDG&BD7A6MA6U& $AAE"B=$ #$A2(D6&.!.2B&&.DAMVAZAEB0&7BAE&@AFUAE2ABb&&B*&BA9' FAE6B&B@ABB&@AFUAEABb&#$A+B:%2&B@BWAED6 &.C/AE(AB F"AB2BYBD7T7D6!"CdC?CFG.;AEI"G&BD7C"."6B& <EAB"$7DAAE"B=$#$AB0&7BAE&@AFUAEBCEAB+AE ŒH.0aKdKe.MN:>],-:/,cs,-O *AB+ABBA:0(BBB+AEB@AB9+9567G:+ AE&#$"A &.1AE BU U B = AAE " Bb& :CAE &@A FUAEI B B=A &<&  AE & BA:0(BBB+AE7DB"'BYB2&$‹&B5:07<&CAE(BBB+AE6+ CEAB+AEGBCAE&BWB"'SAEABC7V$&."E6&AB|6B0AB* .!.7*A6W&BbABb&IB1A:1."ABZAE(BBB+AEG&+B@AB:+AB60AB2 &.AA7'7!27RAEB0A7DFUAEB@ABB&@AFUAEC$782&06AECAEB "'+&*AB+AB9g:%7<D(BBB+AE&B$":K+(B AEG&B=AB@B&I CAE"BAAZ"Bb& :CAE &.JAB7B&Bt67OAB!"AMB &@AFUAE2 7TM=&:+&Bt67OAB&CB!"(BBB+AEJ7V$A+'GAABBC{AE.b&:DA 7*A&B=AB@B+A&.A&VA"'!"(BBB+AE2BCDAEFA&mBW&4B$bA2M^ FC3AE(*A&BWVB$' A6 AAEB=UI':+M=AB&@BABb&AB|6 B0AB*+BNAEAE\".!.I K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zp GB@ABBC$787<D(BBB+AEG$'&@A&.AE"'A7D B0&7BAEAA9$b&(ABF"AB2BCAEAAA9$b&(ABF"ABG&@AB(BA &B ":8$b&2&B/B0AB"'2B0A6WB"'2hIBTABZAEBJAB&BWC$78 (B6+BABAB&Bb'BYBD(BBB+AEI ŒH)F0)M:/,cs,-O !.&@AFUAE9A'."(B9$b&B=AABZAEM*A<(B AE:C/AE&.CD7C FAE$' AABAB!#$"AB"'(BB#$"A6+(BBB+AE(B AE&.A7CAB CEAB+AE6B&B7'7!AE<+:8(B7*AB0A2 &\7G&7BAE9b$7*A B0&7BAE!"CEAB+AE+G &BD :+6BCEAB+AEMOB AAI! . &@A FUAE~&7BAE&. &*B0&7BAE(ABF"AB!"CEAB+AEABC&B*$ &VA B &.A B (BB B+AE2 J BA :DA AE$^A <A B0& 7BAE !" CEA B+AE :+ AE$^A<AB$'7BAE6+(BCEAB+AE(B AE&B$B^7CAE<+:8&.AE B"'&BJ(BAA;AE&B"AB&A!"CEAB+AEFAFA:6+&JAB&.0AE&B*$ BU&I-7GABAGABZAEM=AB&B*&&B7DB0AB*7*A6W&<&BD$ .!.&@AFUAEIU&BDABC"$ BC/AE9$' A(D6&."(BAAA7*AB0A+#$B0A7D&B AEM 7 A7<(BBB+AEI<DABZAE(BBB+AE(B AE &B"AB &A7CAF ABZAEAE$' AABA(BB#$"AABCAEANA(BAA;AEAA9$b&B"'BCAEA (ABF"AB GB=$ #$A2 AEAB+AE G &BD9569& B E"B0AAAB|6ER (BBB+AE(B  BU AA 9$b& ABCAEAEA B+AE SAEBA E6 & BT& B~ (BBB+AEB7*A(B&B$B^7CAI CEAB+AEAGABZAEB@ABBAB|6( A#$'*&9g:%A9b$M" E^6(BAAAB0B&AABMAA7!7V$(=A9g:%+A787C9g:%&\ #$}FBNAE.!.B0B&AAE0MAAEI+&2BA:0&+AMB(BAA A789$b&&AAE0MAAE7D9'FAE(*B0B&4A&B$B^AI4A&B$+9g :%6GAA&. AAE$' A&B0AB*&BbABb&BB@B=9g:%A#$ B0AM|AEB&B$'*&BU(BBB+AE&J6AE$^A<A7D&.AAI  * &U 7" F0AE BG" F"AB 6U 7$ &C2 ABV$ :XAB  AE+AB AEBV2 (B AEA A&4&.$AE+6B&<@&(BBB+AE2+6B&:XAB6+BABA." &B+ABABV$6AAEABL7DBA&A.!.IQ{JA*$(BBB+AE7GET(BG(B;A &.AE(ABF"AB &BJ AABBC{AE.b& :DA7*AB0&7BAE!"CEAB+AEIsJ4'2 CEAB+AEABA& A&.1AEEDB0A"A&+AI K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zC CE+."CEAB+AENABA(B AEAE\AEAAE" AE&7+&0+ M^FC3AEAMB AEABA AIs=BA&@B&@AFUAE&.CD(BB"'.b& #$"A&.1AE2F7G7NBLAMB&@AFUAEABAG6B&&.JAB7BB$' A6 A ZAE+AE2AB0'MA(BBA&@B+&*9RD(BBB+AEI ?BA&@B(BBB+AE:+M=AB&@BABb&AB|6B0AB*+BNAE AE\".!.IQ{G7ABE7RAEB0&7BAE(ABF"AB!"(BBB+AE&BJ6D M*&7C(BAA;AEB+A&.AA!"B1IABR&.1AE7*AABZAE6T&"$&JAB BJAB&+B@AB!"(BBB+AE2&CB2A;AE:+&.JAB7BBD$M*&!"(BB B+AE2&@AB(BA&B!"BCAEA"'<A b9S9HD.;::)0t,_e,D.=cŠ?.IsX?u,-,-.a:.u,-:0,  D &B=$.BAE.8BAAZ"AABt6FOBU!"AEAB+AE7*A 7<&CAE&V6A;AEI  ?B&&.DAFOBU&Br"B&0."&=A:ABb&B(BBB+AEgFUAE e&Br 7" F0AE2 ABV$ B0A6W &B@B B B ABV$ 7< &CAE g FUAE2 &;AE < :CAE&VA.R&„6K:A„6KAE+'hiI  " &;AE< :CAE6'`c&0(B$ AEAEB=2 &BO &.bA2(B$B+AB BAB2AB|67WAE&<&ABb&BAB$$(BBB+AEI ;AEC/AEBAAZ" AE&&*&BO2 &$' A&.$'VA2&*4A+B+6/ (BBB+AEI …FUAE6WB@:ABB0&2B:%+0AB&."ABI )B AEAE\AEAAE" AE&7+&0B$' A6 AAEB=UVFOBU BAMBI"FOB ABA:+ABAEBV2"6BD$&C/AE&4A&@AA;AE#$'&.JAB AABt6SAEABC&CbA&<&B(BBB+AEI b9\9w,-?GM?.[:`*5,->]0,-Ž?;,{]-w,.6,- CBCBRAE&"M*&AAEC/:+'*$&<#$"A&.1AE#$'*&7OAB61&B+AB AE !"61:XAB7G:+6B&BA:%26+AEAB+AESAE(B AEBA:+6B&AE0 :=I.AEB0&7BAE(ABF"AB!"AEAB+AE=7A6MABb&:CAE&@AFUAE &.CDB*&BAFB@ABAEC/&.&*:+6&@AFUAE#$'*&7OABIsJ4'AMB&@A FUAEABA7C&$'DAB1A2+AE:16B&BtA&.1AE27CM<&.@ AE =BYBD(BAA;AE+&.JAB7B27C&BC/AE9$' A#$"A&6M^FC3AE 7DAAE"AEB=U2EFU+ .€A :$'=ABt6Bb&707W2hA6MA 7WAE6B&<& $B$tAABC"$ K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zP ?BAG(*A&BW2&.JAB7BAEB=U7WAE7CAB$$ AE&I AGB@ABB7+&0AAE"&.JAB7BAEB=UB$' A6 A!"7B AESAMB27TM=&:+7BAESAMB&@AFUAEI+&0AAE"27+&0:0A MB&B5BCDAEB$' AAE+ABABCAE=7+&0AMB&@AFUAEBA&. A{ gFUAEAMB2&.AB7+&0&.+A:"ABT7+&0.^:0(B AEgFUAEI.AE #$&.JAB:+6=2AMB&@AFUAESAEABA&&."F^B1BL2AEB AW$ B@ABB2B*7B2B:$4&2#$'7OAB!"CB+ACDBT&+:=$: A #$"Ah7DMm$AE(*A&BWAB|6BYB+7WAE7C AE=!"CEA B+AESAEABCB&&.DA!"98BBI Q A0AB=AAE"Bb&:CAEAMB&@AFUAE&BJCEAB+AESAEA BA #$"A &6ABV$BA7*A : @B4& Bb& !"!" AMB &@AFUAE2 &BC/AE 9$' A#$"A&67BAE A2(B5A&BC{AEB7BAESAMB&@AFUAEEL7DG {7VAEBO9&B1A2(B5A&BC{AEB+AEA;6I\7G7BAE A(B@B:=AMB &@AFUAE' A&6&.AE AE&I G6:02BABABABA#$"A&67*AABZAEbA7V#$"A&.1AE"$ -$'&.J+#$AA:%&<&bA7VA#$B0A2A9b$I AG(*B0BB*A:C6".(5&AE.BAE.8AB|6&B$BR&(BBB+AE 6D2&@B&J6(*6(BBB+AE&V6A;AEI BC/AE9$' AEFU&C&C{AE2AAE"&.JAB7B7<D7BAESAMBI              K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zS  DBFA #AB f9C91:`K^, .AE 9$ BCDAE BB AB4 (AB &* &B* ED B=A A"'2B0& 7BAE !"CEA B+AE{ACD7GAE6B&" &.N  YAE #$"A &.1AE &.AE B& &.DAAVA (AB&*!"6B&#$<E"2AGAE+'+AE7C6{.BAE+B& &.DAAVBb& :CAE:A<:CAEI-7G26TFYAVA(AB&*!"s=&C"6&"AGB$AE+&EAB FG.;AEAG . AE&.AEABZAEA;6#$"78ET.b&ABV$(BG(B;AeABCA0A FOB R6E" 62M=AB &"9"AB{ :A2 :06B&2IIIi AABBC{AE .b& :DA7*A  B& &.DA(AB&* &EABAB+ICBCAED#$'*& &6BbA7b$(B AEAE\AE2CEA B+AE787V ."B*A :C(ABF"ABBYBD &JABBJAB &B &*A A7870& 7CABZAE&B+AB AE7AE(B@B :=IsDABZAE &B+AB &$7870&7C&.AE ABZAEA;6#$"BRAE&"G&BD&A&C{AE+B&&.DA!"AEAB+AE&.AE &B/ E"A &D2 B' 1AE AEA B+AE ~ EG BA &B*& &B +  AE $B  AE AEB=BG"2B=A70BG"7b&ACDI sDBWA;AE:+&.$AEE"A&@AFUAECEAB+AEC AECEB=+?B&&.DA C AE&B AFG.;AE78B$'7BAE+$AEb<A(O&B/B7<&CAE&\ B"' & $FYAE7< D A AEFA+BB AA9$b& ABL7*A F"ABAEB= ERB7<&CAEA+'6{.BAEV#$6 +AA9$b&GB=$#$AID70& 7C(*&#$A&. A27NBLGAm:BbA7b$B*&6JAB!"&+A&BD7BAES AMB AEABA A+BE70(O&B/!"Q"A:8AB70&.AECEAB+AE C AECEB=+?B&&.DAC AE&B AFG.;AEI CBJAB$AECEAB+AE7870&7CABZAE(*&#$A.b&(BA#$"AIB+AB#$A A+'!"CEAB+AE787GAEEG.b&:DA+=A&B=A&\AEMCDMB6T&A AE &B AFG.;AE &.AE&*A&.JAB&BB=A AEAEB=BG"B=AF0BG"2B+A &B+AB B! &.CAE B@AB B !"AAE + CB+ ACD &"I $' AB A &.AE6  &.C/AE(ABF"AB7' .'ABZAE.! .+7< &B!0AB &."AB :$ A(B AEB BCEAB+AEG&BD&BL"68ADABZAEEJ6JAB70&7C6+ABA:$ A <EAEAm:BAAZ"7D(B AEAE\AEB+A&B=AMB6'B0&7BAE+AAE "B=$#$AB0&7BAE(ABF"AB!"6JABI K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-z\ d0& 7BAE AE+AB CEA B+AE AG B$AE &.AE ABZAE A;6 #$" 70& ABV$ &BAE:24ABB6D786{."ABCAESAEGABV$&BB&BW2CdC?C FG.;AESAE(B AEAE0 :=IcTFY4'CEAB+AEC AECEB=+?B& &.DAC AE&B AFG.;AESAE78&BB=A&<&6U& $7V.":+b$:0FC A&B5BCDAEAAE&z&.1AEB"'G&+AA7A6MA2(BBB+AEG&JABBJAB &+B@AB:+AB60AB2AABt6FOBUG&@AB0AB&."AB"2h$'AB A7D70& 7CB& &.DA :$F+2= &;AEC/AEAB :2AAE"A;AE :#$AA :% &.JAB7BAEB=UB&+A&BDAMBABA A:+M=BB=$#$AABb&7D EZZAE &<7BB& &.DA!"CEAB+AE6B&B"A &+A &.AE&CAE :"+ :$ A:+BCAEB6B+AB7BAE!"Q"A7V$B+ABCEAB+AEC AECEB=+ ?B&&.DAC AE&B AFG.;AEI f9P901,,-.Š ,$" = BA &@B (*& #$A B0& 7BAE (AB F"AB &0 CEA B+AE C AE AEB=+?B&&.DAC AE&B AFG.;AE2 &"AB4A&Bb'.|AE&$'B0&7BAE&@A FUAE!"CEAB+AEA70&B=$#$A+&CAE7<"A&+A2ABCAEM A0AB7G ANA&^A&0(B AE@&(BG(B;A:+6AABBC{AE7*A&*A&.JABB&&.DAIP6 9AA $."6B&<(*AAEBOBB0&7BAE!"CEAB+AE2CB+ACD+B@AB #$'VA 7O" BCAE &.AE &B/ E"A &D D B' 1AEAG ~ G %AEBX" &B*& &B &.AE=7C"B0&7BAE(ABF"AB!"CEAB+AEAE+'+AEB&&.DA K40IJ0-w,.6,-.6*J? A&*&UB+A&B=A(B$ A(BmB:$4&2&.AE7GABR%7^AEMB ;AMAABCDAEFA:$4&2ABb&:+:$4&G: A#$"A&DB0&7BAE!"CEA B+AE eABC]$4& m BW &@AFUAEg"7mMm $AE]$4&b& 7"2]$4&  F"ABAEB=CB+ ACD2]$4& &BCAE602]$4& B AA2]$4& FA 2IIIiI #$'B*B@ABB2;AMAABE70BCDAEFA2EA77<DB0&7BAE &@AFUAEBA& &B2 .f .+AE2FjBD$7D &.ABAB6:A&.AE#$ &.JAB&B B=AIcT&(BABR%&D=&BB=A!"#$"A&B&BB:$4& b2AB|69'FAE7C6 &.C/AE(ABF"AB&B AE&BAE2:+AB60ABBA2 #$"7G&07V$(=ABCEAB+AEB0&7BAEAE+'+AEGB=$#$A"A&+A +MVAZAEI K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zb A.+& :0ABF$AE]$4&&mBW&@AFUAE+B= &B<AE;A MAAFCD :$4&AB|6M8ML6B&<B0AB*7"AEAA&.{CEAB"AE&BCAE 606{.BAEB0&7BAEFOBU&+B@AB6DI Q A0AB7GCEAB+AECB+CCDSAEA&*&B$ABZAE%(*A7GAE EG!"CEAB+AE2.+&:0;AMAAB=AB+AB7Dg"7m+Mm$AE ABZAE;AMAAB!BBA2&B&*BAI K40IJ0BMƒ'„?)<,- BB=AB AB:=B:8$b&B:%+ABA7CB<B+7V$ B+AB&.AE&+AB=&B<AECdC?Cs=&C"6I^AE&B/CEAB+AEBA &*&(=6BB@7DEA6:8$b&B"'I ,$AA:%"A&+A<AB$'7BAE7D(BBB+AE"A&6Eg&VA+CEA B+AEI ,$'7OAB27V$BEAB:8$b&BYB7D0AB&."ABDCEAB+AE (BI ,$AAEMBJABAAB!"CEAB+AE7*A AEBRAEVABZAE &B"'7m &.AE B &BW :+6=2 B0& 7BAE !"CEA B+AE :+6B(BBB+AEABJA &Bb'7CABZAE&B"'7m&@B!"CEAB+AE&\7G(BBB+AEAE+'+AE &A&C{AE+7*AE"FOBDCEAB+AEABV$BAI CE+=AAE"&.JAB7BAMBABA ACEAB+AESAEAAAE "&.JAB7B#$AA:%BAMBb"I .AE7V$(=A(AB&*6{ABCB=AA"'2CEAB+AEA A6{.BAE7< &CAE(BBB+AEId+A&B=A&.JAB7BSAEABCFUAEABZAE&.JAB7B(}&B$4& & A&*A7DE"FOBD(BBB+AEAB"ABBGAE&B$4A&=ABAI ?B&&.DAB=&B<AEBABAB{B$'=AAB+eB$'=AG&V6A;AEi\" BUU&<&BABAEC/FA\"EA6BB@BA7 M A+SAEAB|6 &.ABAB|6&.ABYA& AE=E'6b&&B/E"ABBABAB&EABI K40IJ0?;??+dKG,.6,*J?X?;??[DX?;?,-6,.?„`0L,dKG, A7AEAABG"&B!&U2:0Eb'&/ AEBWAEB0AB* AE BWAE{ABV$#$"A AEA#$'*&AB"ABB^AB|6&0 &B$4A : + 7A6MAV6T&&B/E"ABABZAEAEC/GAB$$"'<AI K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zf .AE#$&.JABB&68&+AA&B*Bb!"(BBB+AE7D&B$B^A&BJ CEAB+AEET.b&ABV$(BG(B;A&.AE(B$9g:%F;AMAA&BB+ABANA .b&B46IsJ4'#$"A&BB+ABAABAM+AE"AB"AB&+AABCd2G B<B&<&EZ"CEAB+AED&N"A7DCEAB+AE9g:%(BAAA&^A 71AEGB=$#$ABAI ,$"A&6BE70=BNAEB<AEFOBM=AB2ABb&:+FOBR6E"62 M=AB&"9"AB{:A2+A0A&B A&"2M=AB.'A${6B&<E<AE'&.^AE7D AEC/FA' A&6AA9$b&27A6MA7V$(=A&B$4A:BA AEFAAA9$b& 70&B=$#$A"I    K^,<,4:-.0aD  BO)*+,-D./01, 'BO234.*5,-   )G,-zi  #AAB2B   „TAEB)6CAE2?B06s;A-C2eoiIAE ! "E#2C†QmAEB2?Id^B@cAB „Bs;A0 eoiI69. 0,F2 &!B &.C/AE0 B1A&BI k„FIFI] s;ACeoiI:2;.0,F2C†QB<AE( I

Các file đính kèm theo tài liệu này:

  • pdfMa To Phuong.pdf
Tài liệu liên quan