1. Trang chủ
  2. » Luận Văn - Báo Cáo

Nghiên cứu nhân tố tác động đến năng lực cạnh tranh về dịch vụ ngân hàng bán lẻ tại các ngân hàng thương mại trên địa bàn hà nội (TT)

13 426 0

Đang tải... (xem toàn văn)

Tài liệu hạn chế xem trước, để xem đầy đủ mời bạn chọn Tải xuống

THÔNG TIN TÀI LIỆU

Thông tin cơ bản

Định dạng
Số trang 13
Dung lượng 722,18 KB

Các công cụ chuyển đổi và chỉnh sửa cho tài liệu này

Nội dung

Trang 1

 4   7 

!!!"! !!!

#

#

$%&'( )*+ , -./0, 12.

#

#

# '3*4 5'( 678( '*9'( ):( );6( $<'3( $='( '>'3( ?@6( ,

6A'*( )BC'*( DE( F+ 6*( DG( '39'( *&'3( H;'( ?I( )A4 ( 6;6( ,

'39'( *&'3( )*JK'3( LA4 ( )B5'( $+ C( H&'( *&( '<4M

M



NOPQR RSTRN  U  V RN W XY  TV  ZN[ RN \ S]R NTRS

^_ `a   U  bc de fg fc 

M

h h

# #

#

#

T rV  \ cfgb



6 23         !





"#$%&'($)*+,-.*,/012,0345,

6789:78;<=>?@8AB@C8DEF@<8 G78HI:79:8JK8L=>89CM@<8



 N0O*,PQR*,S5

, N0O*,PQR*,T5

 N0O*,PQR*,U5





VWXYZ [\]^_`a bcdefWXdgh892 i

ja6 23 !_k` ]bc 8l232mnopqr







st,u0v,ux,0Qvy,zy{*,|*,u}Q5

~8 a^c€

~8 a^2 !

Trang 2

 

 !"#%#!&'(')"#*+!,)-./01/2345/78!*95/0:;</3=(#!>*

0?7/=@;</A34.3/3B;<C/0DE/FB/GH/3=(#I#J&H/KL/;M/0NOPN*Q,NRS$T'*#?5/3U;C/.4./

VW!)X0=@,IYO:#!#?#!I#!*#Z;</0?7/=@+!!!"[\#+'!

V*]![!W=^[_NY!`OOX./5aH/.M/0W;3/3=(;</6b/6B;</<7c2/;<D;/3B;</095/0=@

!'d,Q,N+'!V*]!#?')X53e;</fHg/5H;</<7g;/5B7/.3h;3i/;gE/01/.3HE8;/jg;</F;3/K-

l !"PRmnoR")'d,IY#-#&2/.3p/;<=^'%,VqR"V*]!!'dY

)"! !r']*VW!!sRmituv5/a;/<M./0:#"'!w!)"Q,N# !"[

VW!)Xl !"PRmnlxyz{O]R9',|#!,};/0W![!~!~[!9!&$T'

$*#9*PĂ'! #?€a;/;<pB7/KB/0DE/FB/F;3/K-w!W,N;3/3=ĂT]!,+Â+'!

#&‚l*"'][VW!)Xlxyz'r)]'ÊQ,]#Ô#*)'dOĂ$:#!W=^[ 

.gp/;Ơ;</F-9!#]![9*,|)?#,)"V"'!9!T09*!*l !"[†Y

Y!Ư;/0g/ˆ9!†]!*95/0:l !"‚

‰3Àp/04;3/<74/5Z'('!,J%']#"'!w![9!#$]!'r]lx‹Œ"J

"]J~#[!I#"#97/.4./0e/53W*9'1)"R*97/C/;U7/ŽY#,+!!!"†#O

;Ơ;</5B7/.3h;3/F()"OŽ5/0:;<D;/3B;</5Ơ;</9!‚‹$*_? !B;</;=(*"'

0g;</3p95/0:#9'‘'d#l]O[x’y)"'#P]+R"!]' !"}'&#*"Ư,)

+'!V*]!lxyz[)('!'&;/F=@X#!808Y!#'8+'!V*]!lxyz‚‹$*

P?'N;3/0MC/A3?'lx‹Œ5a;/0W]P"x"l:'+!\#!8|7/Ea;/3=ĂR@'!&_ !"

;3=/5=(+'][!'H/;<D;/3B;</G4./0W!Y!#'8VW!)XlxyzR"O:#P:Y!ŽQ,]

#Ô#*!'&;/F=@Y!#'8Tg/L;3“/0DE/FB/:#Ž#,J&O('ÊPssĂO:#

0I5/;=(./0e;</ˆD;C/.M/5/;Ơ;</2345/78]*#*!r;</;Ơ/5('['%,VqˆD;/.=/

†#/;Ơ;</5Ơ;</5=Ă]*[_-0g/ˆ9#*!*95/0:+'!V*]!"J"O9!

O”•P~5/0Ư,#Z_-~OP~5/.4./.U/3:7/.M/0=@#Z#!W=^O('[Z)'dYVX

\!d)"_ẢVX!d#!?#9*$]!',_NY!`OVW!)XO(7C23=U;</53oY! 

Y!?'!'d,Q,NC/Ơ;</.=^O?'Q,]!d'r]+!!!")(' !"‚

‘—!&[O,?#|#9')"Y!#'8#!—lx‹Œ5a;/0W]P"x"l:'Y!N'!'%

oH/0$]!'&;/F=@9!#]!Y!q!@2/08†#!8;D;</.gp/;Ơ;</F-9!#]!!ĐO

 ]*)W!&T]O—!#%#!W=^‚™,I#Y!#Z#!-#Ã;/0MC/0#"'›œžăÁâđêôơẶư

ẨẪàẨưẬÈưẺẼôêɰđžêÉẸđêđỀđžêỂỄẾưẾảẨẪưẬ·ÌẨẪưỈãưÍỊẾẪưỈ½ư¾ÒàẨưẪáẨÒưạằẨưẳẵưẬảắưẾằẾư¾ÒàẨư

ăặđžêẺăầẩđžêẫảÁêấâđêÉỊÌưạáẨưậáư¾°Áè0=@!Ô;/FB/3=(!'%o,‚

3ẽéÐ ềÐ

ểl!'%o,#}Q,])› !"PRmC/;Ơ;</F-9;3/56g;3/56p;</Fk;3/

)-PRm[! #?54./0:;</0&;/;Ơ;</F-9;3/5g;3/5p;</F;3/K-lxyz‚

ểl!'%o,#!-#9;</e/3L;3/23D;/5.3/;Ơ;</F-9!#]!T]l 

3B;</53=U;</9'‘'d#l]O[Y! #!!r+&#Q,N095/0=@[!r#|#9')",J%

! T]#|#9'‚‹Z0MC/GDE/ˆ-O\!—!!'%o,! #?54./0:;</0&;/;Ơ;</

3455678 78 78 4536   7 8!7 8"#7 $6 %7 &'(

)*+, -.+/$ &'012+3 &/7 &'558 &*7 &67 797 45

5678 78 78 4536   7 8!7 8"#7 $6 %7 &'( )*+,

-: %7 # ;<=6>43+?5@4AB558 &*7 &67 797 4556( 78 453D &BE4F55+3 G8G   7 8!7 8"#7 $6+ %7 &'()*+HA+I 7 7 797 455678 78 78 45

3,

JKLKMNOPMQRSMTUQSVTMWXPM : %7 # ;<0Y5?4+?5@45Z &B+[5554\++?5@] &"^ &_( 78" ; ]`

abc  &*7 &6934556C(ABh'5AY)ij

=1k

a1c8h'  &*7 &6934556C(ABh'5AY)ij

=1k

alc8063"m+  &*7 &6934556C(ABh'5AY)ij

=1k

anc88"#7 8I4g  &*&6934556(ABh'5AY)ij

=1k

aoc8+B0345+5p  &*7 &6934556C(ABh'5AY

)ij=1k

a  &*7 &697  78 B s'8 Y)ij

=1k

atc8 7 8 7u 67 g  &*7 &697 4 67(B s'8 Y)ij=1k

a  &*7 &697  78 B s'8 Y)ij

=1k

axc97 4 678 78 B s'8 Y)ijg  &*7 &6797 4 678 78

=1k

yz{z|}~Ă|‚TUMÊÔMƠQ†ƯMÊSMTUQSVTMWXPM

ˆ‰À‹Ž‘’“”‘•Ả—Đ™8 &*7 &67 797 4556(ABh'5 AY)ij,

қœ‘“‘’“”‘•Ả—‘ž‘ă’Á‘“âĐ+?5@46  7 7 8!7 8"#7 $6+

đ+ %7 &'()*` 8"#7 $6+đ+I(0[ 8"#7 $6+5êeô7 $! 78! 7"m5ơ05êeô5+e8 !   7 8!7 8"#7 $6+ 5êeôđ+I(0=55ẶYd<5p6+)*+[=1+?5@455 7"m5H+A553?hH(<đ+I(0,ư™3I4+?5@4dẨ4Ẫeà

=55Z  7 7 8!7 8"#7 $6 %7 &'()*+[àA+?[5*

>433Ậ5Z  7 7 8!7 8"#7 $6 %7 &'()*+,

Trang 3

345689 49 9  !"#$%&'$()$*+,'$%-'+$

.%/&'+$0123456'70$8))9:;<=>?

@ABACDEFGHICJEKJCLMNOPOQRSTOPUVWP

XYZ[\]^5_!Z!`%/&'+$`%a`$bcYe !fgh4ei5

jk%/&'+$`%a`$.% g[e[Zglm!opqrl?

jk%/&'+$`%a`$.%c$.%Yl[Z!s[\]^ !fc$.%/$tug[\]^

!Z![f!v`$'%/w$xax$yaz$xaz$.%/{ !"#$xax$*+,'$%-'+$.%/&'+$01ghZe

!Ze!"#$*+,'$%-'+$*%-$'/|!ghs!}h}6x&$~c#'$.% g1`$x%Àt-$

`%/&'+$`%a`$x%c‚'$+u#w$`%Êov'$Ô,c$Ơ†YlƯˆ'$Ơ‰'+$+‰`$x%z$tv'$ƠÀ 

!f!"#$ƠÀp?

‹ŒŒPŽPU‘WPU’“P”WNOP•OP

 XY'$t7'$Ơ/r!ˆ!vc$.%Ảz$Ơ—'+$x%cĐ !fe4™!h4ei5<>

x%/&'+Ã$Ơs5hsee!ope4™!!"#$Ơu$/r !f

›œžăÁâđêâ 8ưăâẨ

›œžăÁâẪê⛞âàẬÈẺÈ 8ăÉăÁâ°  8Ể ả·ÌỈâẨãăÁâẨÍăâăÉăÁâ

È ·Ị½ăœâ·Ị¾ăÁâ°ăœâ Èằ

›œžăÁẳẵắ49ÍặÍầẩ4žăÁâẫœÌẫ8Ể6ấ4ậ

›œžăÁâèêâẻÍẶẽ

›œžăÁâéêâẻÍẼăâáÐâ Íẩ4ềể

‹ŒễŒPếRệHICỨìHICIìJCỉĩSPU’“P”WNOP•OP

í ịÝăÁâÁÝẫâÞẹ98ÈẺÈ

 òỏ‚'$x&$Ôõ !fqó4Àp!ọ ó4oÀ]ồ!o^3ổỗXop

'7'+$bố!!14gYZY`$.c'+$b-0$ỏộ$x&$ÔõƯYoÀ*ờởỡÃ$'7'+$bố!!1

.#'%Ã$'7'+$bố!!14oÀ]ồ!o^3ổỗXg!Z!ms'%$%/õ'+$Ơˆ'$'7'+$bố!!1

4oÀ]ồ!o^3ổỗX?2À™!YgYZ!ọớ'+$Ơ‰'+$+‰`$0|u$'%/$Ô#cw

jợmù]ố5}ủ!Z!m.ax$Ơ_'+$Ơˆ'$'7'+$bố!!14oÀ]ồ!o^

3ổỗX1u$xax$*ờòð$.‚'$Ơồ4hpổp3_?

jũ65}ủ !fgYZlZ†sùˆi5sùˆ

oÀ!Z!m.ax$Ơ_'+$Ơˆ'$'7'+$bố!!14oÀ]ồ!o^3ổỗX1!Z!3ổũú 

Ơồ4hpổp3_?

jXố4!™'$`%/&'+$`%a`$'+%u‚'$xfc$b-$`%/&'+$`%a`$`%,'$.Ăx%$'%,'$.Z5

lZgióùùˆ'$.'%$Ơ††0$Ơồ!Z!sùˆ!"45}ủopố4!™lụ5À5

!1ù5}ủplụ5À5ừ=ử?

ẩ4Ễ49ựăỳâẨỷưỀỹỀýặÍẶẽ 

jòỏ‚'$x&$Ôõ5}ủƯùˆgZ!s!1ù5}ủg†0$Ơồ!Z!sùˆg

Y'$a'$Ơ/r!ˆˆ1u$%-'%$0þ$%ỵ'%$.%Ảz$`%/&'+$`%a`$`%,'$.x%$'%,'$.Z5lZ?

jũ6ˆós 5}s!evù2|50i51=1ó4[ZgoÀ|

12?;3pớg1>?ử3p454oÀƠ_qu$8)567$Ơ_q6;<81<g99?>3!ọq61<8

><g=?13 ><q4oÀ.ỏ'%$Ơ_™!ov'$x‰$ 7$.'%$Ơ_ 1™!õ g !ọ

3453689 9 !!"#$$5%6 !!"*+,-. /-01/-234!!"*+/-.3-01,/254!!"*63-0 !())789 :;<:=!; # ?32@489:;+,.A E$536F9:;6 A 

GHIJK!)6L!M!NOP'"Q1J7RIJK!SQTU!V!W!X!Q

WY)K!)IZC[ '\!*!"]:M!^_8K*!`TaLb))K!)Ic,

#e _R6g5 8hS!7!Zi CS)WT_)

b)YQI_Z 8h7!7!n7MoTp '\:=!;1

!'\rsI1 '\_01 Tqhu)!t!1Q^!u1!

8'\U!0u 8'b)*!^*!_v5w #DxQI_qu '\rsI1

8'b)*!^*!_)1 '\_0#iTS!!bv 8hS!

7!Z7^!u2 HIJKuQW!X= i CS)cu)y*!K)

!hyl'9 rs CSvD '(JKn<!V!K!u

o!(v yl'9v {1 !)6L*!<)X< 8K*!`T:=!;TbvXW!X 8hS!7!u!)0JKR)!:M7!Z7

^!u2

w jF}RIJK!)6L1  r)KviiP~wĂ =7 nucu€)M!) 8'\R)!:M7!Z7TV!2



‚ÊÔƠ†Ưˆ‰

À‹Œ‰ŽŒ‰‘’ƠƯ“”‰Œ•Ả—Œ‰Đ™‰

ÛۜÀžă‰Áâđž‰êôơƯẶư‰žăẨẪàž‰ẬÈâ‰

ẺẼẺẼẺẼɰẸỀỂỀ°ẸỀỂẸỄỀẾảẸỂ·ÌỈỂãÍảẸỂãỀỊỂỄẾ½ẾẼ

đ›‰Đ¾Ậ‰žăẨẪàž‰ẬÈâ‰êư‰ÒáẬẨ‰êạ‰Œ•ằẳ›‰

ẵv )0T :=!;P~ắặD' 6Ll=!

8'\  &#Z7:=!;uQM8h '}Z7<^!u& CS) ẩẫ1ấ2ậẫẫ88)1è2c7:Q1ậ2H:ẫq7]/ 1guẻ)ẽ7)é7Ð)8!7:ẩ8ẫ1ẹẫ*!7

ề344$ểễế7ệp€cẩỨquì!\*<:=!;u)!t!1uqMS)!V!:=!;^

'\R!<!!u!u<!^89:;T<!hI*b)^!u1Wn7M

oTpyT_1IR)0T1!7M7Q6:ỉ1!ĩ!)\1!ĩ:;22 ẻM!)6LZíFFNị8 344%ểdvv 7/-Y

€cẩỨ}PÝỏõ dXT!)X<!u!W7u8K*!`T:=!;Tu<^!u

uQ*!MR!<!!u1<)Kễế ó4FK*!`T:=!;:M<^

!uuQ m=!;!QX 1!M7Q1!ọ\!7!M<!I!!"*<

ỗ iFK*!`T:=!; ễ 8S)o!R!U!ố!M

<^!u2

vF^uMT!)XR!<))0T1<qMS)!V!:=!;P~ắặ v

ờZ7:=!;€cẩỨ1!)6LZ7éẫQMq:ở2ẩQẫ8uỡ!)q*è2Ứẫ:ẫẫ/ ,g+

Trang 4

3456758 8 785757 5!75"#$%&'&( 5)

5* + ,7-5 /%"57 ,0512345679*7-)5 /%"856(75

78;775<8 97-75<862-5

@AB7-85C 5D9E7-FG8&HI8JK?7-+:L5)557-MG8&HI 

8N5 5O:7-757-; (88%97-:47-7-53; P(88%9.7

575 /%"57 :7-757-6

MR65STUUUV8*7-7-5 >7 W75875:&@J@X8Y$%&'&

- ( 5)75EZX@&[\/W75875:)7-757-8547- 5 7%"

5)8 ]7)85]5.8 5O75^)7_75E35)8 ]7,05123458W ) - 

3; 7I&#8JG]76

75Q*58Q9R*57` STUUaV7-5 >7?bc@G%@:,051d9LQ87-2345

85623458 8 5De8 *)L5)557-8 Z\)(75f3

,051GY@8g88%hij@.8L Z@8[k&HGlbmn@8[%C 75e#@%kY@J@o8[(7

@8[k&HG8%pZW 679*7-7-5 >7 7 M)- ($o8q0755r5r79E7-8 

7-stuvw$%" 5.83%C 5 L547-5O75+)6

yz{|}~ÀÂ{‚ÊÔ{Ơ†{ƯˆƯ‰À‹Œ‚{‚Â~{ŽÂ~z{

25 e7< \/W8G'&88%/YZK85 G%"7-

L 758.k‘Z’kY -r7-83L 3:7578GJ@K.7W758757 8547-

) 8:&Z’%Ck‘Z’8%G“- )M”  M535187-7)5S 

•Q 9MTUU1Ả—QQ75QQ7MTUUĐẢV25 758.5@o8J@8%u™Z#™//

STUUTVẢ4 LLQ9Ã9*Q7QQ,STUUTVW 5D99E\/W758975:2345

5)8›5*7-5N:L5)557-8 75e:5ML5 /%"7-L5)557-

œ%"^ 850547-    /%"/&[K7-: - V8 75e:5

G\/lG8Z?@KW75875:850%Ctuvw@Amž79- -rG8pă

 75C - 7-xXH8 79E\/W758975:237d

50 )K7-9<8;78›)5O75)5:5O755:S 5 Q7MTUU1Ả

Á/&™ii™iâđđêôơẶÁưâđđẨẪăÁA@à#8%p#8J#G.e7L5):

3*7,9* 77 K7-SẬaaaVẢÈQ 8d *STUUẺV5*9E7-L5)^ 8*7-

Ẽb&]3 É5 8*7-)5*WGK7-L 758.5O7575s7- 8 

0755: b.\/W75875:),*757-5 7°  

 25s7-3456757-5 >7?b/lẼb&. GY@A'<G&mW7-Ẹ775

875 ỀO  8&[]J8Jo8(\@W75875:)237d2-* 

75s7-3456757 78(%"8L>9GlG8]J8Jo8(\@W75875:

,*757-5 #à@8bkYX8YG8%pZW 7° 9>7-Ẹ7°85]),17-34

5675Ể•Ẻ•6625 7-5 >7 ,17-5 GY@8g88%ZK85Dlb]J8

- )L5(\@W75875:&@J@X8Y8%w™™ỄăẾ'&ả™·iokYw&''HÌăỈGãZ&

SẬaaÍVM7Q9Ị Q85—5Q7K7-STUU1V675Q*75s7-8)- (8>785631@g@8@:

W75875- s),*757-5 7°  )237d5O75"  2-7

57-7*7-°L5(\@W75875*8?P°3?"  ;775<86`547-

34567 5565 3  !"# $%5'5(' 56)556*56+,'8-$   / 30 $0 31 565, 3893456' 3*56567789:&';7<386'&&=9>?'5@AA1BCDEF25('56)556G

H953*565IC,5C8=HFJKKJB9

LMLMNMOPQRSRPQRSQTRUVQSWXYSZ[US\U]ZS^_`MS

I565,aFb5cE8defg65hi 3 j%56G'4"5FkcE 8d- 35)56'C-,+,"35cC'5'3"# $%5'5('l53 5bFmnoC564565,5p3qb1 3a5r5sFa 3 j%56G'

cE8dtuvw i/ $x 1. z$ ~ $('cE8dtuvw 389C%z 356

('efnI9 eG4*565565 3qb1 3a5H7H,b5F45cE8d56)556 1x€ 11  $,,25‚F)5CD3a4*l5 3€ "58q-,+,"('4cE8d56)556$x 1. z$ $d8qcE8d efg6'cE8defg65CdxÊ Ô}E5g4 †Ưˆˆ‰À ‹ Œ2 39 5b58qcE8def Ž  ’%nEn'5n"“ †Ưˆˆ”À ‹

’x€ 11 3“ •xẢ56sz x—56cE8dz“ • |™efÃe65,H7,azŽ  e6,› # †Ưˆˆ”À ‹ Œ"4Ơ'cE8d56. / Žž ă ÔEe6Áâ,56

†ƯˆˆđÀ ‹1z 5C%z 356ê45Hô $$   / zx€ i%%ơ-z tiŽ žẶ0 6GF('5ư56565,5HẨ)c™563,56H7,a8q8'Ẫ8p&' 5ư56H—a('cE8d5C894cE8d34('56) / zx€ i%9

 I565,Ơcd 1x€ 11 3E •x— 3565,4*l5

# •™% zĂ $ 356('45)5# •™%5'5('456)556

xÊ ’ t Áns †ƯˆˆàÀ 11 . $“ # •™%5&'5('456)5

/ zx€  3E Ậ/ Ԓ uŒÈ 3“%5JKK1ẺƯˆẼ‰Ž nEfCn,

5JK@JB‹ÈÉ ° 1. z{$ # •™%5&'5( $$   / z ơ- tiŽẸ

ỀỂỄỂẾ·ÌỈãÍỊả½¾ÒÍỊảÍỊÌáạÍảằẳẵỂả nắ4565,56+,'55Gs4565,b1 z |/“ #

H™%5& $x $0 i565,C5c-55C 3  # •™% z z“ • |™cE8d56)556ê45Hô%456)556

zx€ Â 3E'ê5fe9ặr58l8bd,('565,55hi 3

 z$ 356('45)5# •™%5'5C56cE8d56)556ê45Hô%4

  / zx€ i%feắ30 3x } $$ 3qẨ,sC456)5565C56 8-$ z# # •™%5'58-,+,"35cC'5C56Ả6'599 9(' 565,b1 z z“ 1x€ -5

ầÌẳảÍÌẩ½ẫản&C565ư5656 }x9$ 3.‘Ă 1%8565,( $$ 3q

zxẢ56bF,568CẨ7Ẩấ5)56'C3"# $%5'5C56cE8dê45Hô('

'5G56)556d5e6,›5nEf456e6ÁJKKậBCD5G8q#

H™%5'5,565e6,›5nEIèJKKẻẽ6fC56e6'JK@Ke6,›5nEé,

Trang 5

34456789  !"#$%

&'()*+,-,.+/01,&+24,&+25,.+/,&+70#89:;<=+>?9@AB9C1

D'EF8G7H0I:9@JKD'EF8GL9 :,&+M&NO+>'PO+>Q

 R+25,.+O&'S,.+T+OJK; : IU%J4+VW+&X,&+>N,&+.*N+,&"#$

2NO+>,.+>,+,-,.+/01K9YD GF[\L]/^+OS+_(9@O+>QK

;91:%*+R&NR+25,.+O&'S,.+`a

bcdecfg)7h Ii>'4+34+V9898

)*+,&',.+/j ,+N,+>k+O&lm LnYZ CoPC +>*Q

I@JKD'E#8F8G7h Y0KQ;p Q%

,&',.+VW+&X,&+,.&*q,+OJK:% >%9%5+Os+2,&+>s,.+.sR+7^+2,&+V)9

97uZ :j+>D,&+/'P,.+25,.+7^+,.5^*+,')O+O&'4+>Q CQj+>

$vwx+2,y+OJK#8'S,.+V1*+>$ I%,-,.+O1K9:YD

JK7h   $8 ;1*+>'PO+>N,&+.*N+/^+Os+%,&+&'(;),+>U 

>DJKI:8I0KmK9YD9:;<1*+,.z,+&^,.+,^5a+{*Q8 L]>'P

98 Zi25,.+O&'S,.+|+M&* 0 YI7

e

}~€‚ƒ„e }€ƒ…†e‡ˆe‡‰Š‹eŒeŽ‚ƒ‘e‘’‹“eb”•‹“eŒ–e‘—‘e‹“˜‹eb™ee

š›}ƒœ‚ƒœžƒŽ‚ƒ‘e‘’~ƒšŸ ~ƒšŸ¡‚ƒ¢~ƒ£‘e

‹¤˜‹e“–‹¤e¥—‹e‡¦e

§¨©¨eªc«ge¬­«®e¯c­°±e²³e´µ¯ce²¶e°±·°ec¸°±e¹«°eº»e

¼½¾½¾½¿ĂÂĐÊ¿ÔÊƠƯ¿ÌỈĨ¿ÍỊ¿ÔÌÍÔ¿ÂÎÔÌ¿ÏĐÔ¿ÐÑ¿¿

G#89:;<;82+,&+70AÒ@ÓI ÔÕ1  91

>JK#89:;<1×@GK) AÒ@1×@GK9I9%

|Ø+,-V+.,+>zxa+Ù5+ ÒQI:@I:K YD #89:;<

ÚÛK;9KI67ÜÝI:@V+>Q R+>IÞK1I:KJ4+/,&+708 7

 uÒQI:@V+>'PO+>'4+34+,&j+21ßICÛYÓ+>*i,+ă^*+O&t,&â>j+2'â

#8âM+25N,+đ,&âê*@2+ơưưư=+4,.+ơ`ìỉ=ĩq+í*Qj+đ,&+ôịØơịỉ=ìí4,+î4j/+ê5,235,+

Ú344ï67h  Ó+,&",.+R&z,+2O&+(+2q,+7^+Os+ðíV+ðñ2+ONO+xj+2$+3q,.+Os+OJ4+2&D+

2'E,.+ê*@2+ò4V=+NO+.*%+ð*,+>'4+34+V2+M&N*+,*@V+7Q++óDO&+7Z+òôõĩ+,&'+_4j+ö÷Ỉøùú

ûỊúüýþüúùÿüýú01üú2Ñúø34úüýþüúùÿüýú5 ú2ÿúù 95

ù8úỈøùúûỊ¿ùỊøúûỊúøù ú ú6üýúù1øùúùÿüýúø1úüùþüú 4ú üùúûÿúø1øú 4üùú

Ơúû4úûÿúüùú5ùüýú4úø1øúüùúùþüú úù1øúüù4úüù8ú5ù4ú8 üúø1øú

üùúø!ú2üú4üú "üú1ú5#üùú$úỊüýúüý%üú5úøù&üùúø34úø1øúø1úüùþüú 4ú

üùúûÿúø1øú 4üùú Ơúû4úûÿúüùú5# üýú' ú ()

*(+(*(ú,-øú.Ư¿ÌỈĨ¿ÍỊ¿ÔÌÍÔ¿ÂÎÔÌ¿ÏĐÔ¿ÐÑ¿

/010/010234256789:;2<=675>?7AB:;2CDE<D2DF:;2

34564789 6 !"6#64$6%&6'()*6 4+6,-&8,9 6,4847/9061278&,484734568!

&,9: 345<43!)5)<)83!)5)<)8,1=>6/4?

%@<)8) 6AB84B,,42CD6 49694648&6E284(86>6; 345F<43!)5,,4G,H6 1J/4&8D6," 44K,,+664L9

B,%L))78!! ) M!N !O3!)5,,4P 4&,4 4$6 !N !Q!77)<RS6 8L6'T

345)43!)5,8A @A84+686G BDA'$ 6 4&,44$6 'I69S,-64P6,4.*S, 4+68V/8266W6AX!N ! 2/49Y#C

J6,4AU64AZ8 4P'L284+686 4&,44$6[\]^_;

`aba`a`acdecfghijklcmnoklcpqkcrstuac vwxyzw{|}AX~ ! 2,-84D)€,196/4A/4H4/ AU64; vwxyw‚ƒ},&,196/4A,4 „…†‡'2+6/49ˆ‰I1J/4&8D6," 64

8@ŠY‹4Z; vwxyŒ‚91J<RS686,&, W64/4#6 196/4A,4 

`aba`aacdecfghސ‘hŽ“”hf•–c—˜–c™sš›scsœklc

6)F žŸ8W69,4 6#64$6%&6'( €S8!*W2H6 7864 2,&,196/4A9‰ ~¡€) 8¢M 77864 2,&,8L6:,4984VA,4:'$ 64 28LM,8,44/8.6,H6AZ8196/4AT£5) L6:,46$C'$

82CL) 1 ,&,,4 „…†† 4&,

`aba`a¤acdecrsšmcm¥kc›¦§c¨©›sc—ªc«¬­®crsqhfhf¯h°˜–csjcm±klc™²cms³´mc›µklcklsc s–‘hfj–c

 \+664L84+6861¶64·€!¸3!N !5)P Y=¹ºŸP'L28V/

8269,4/4»/,&,,48J,82C@,84J,4L64C&A1&8644U648D6 4,&,,4   4&,44$6;

`aba`a¼ac½s–crs¾c¿Ăksc³ĐkcmnÊkcuԖcl–§oc¨©›scƠœc™sšc›§oc

 Ư,4 „…†‡%ÌA.7864 2,&,4*664·€356642,02 )<)8)*6Y2CW6,"<!*RN)<)8) 64$69,42CD6 4969 ,42CD6 Ư &8,"AX,4'$64Ỉ Ĩ68I,4/4:%U64E2#6864

8ÍÌ6&8,4'I 21 ,4 „…††;32C64W69 6 ,&,,4,",4 „…†‡'S78I66W6 4648?6'642V68Ị4S)Z6 6$C'S$AZ8,6 ~!~D;

`aba`aÌacÍ©›sc—ªcklĐkcsœklc¿škcỠcƠœcmϑhfÏc›š›c›šcksĐkc›Ðcms¥cmÑrc›´kcms©cÒÓÔklcmœ–c

›s¾kscs–‘hfj–c vwxyzwÕ|}B,%L)   ,&,6 6 648@<!3)DÖL8„A9642 ,055)ˆ!) 68L.78I!ºŸ4S80!<35!0ž"T×P9

6,",4 6#64$6%&6'(,4"C@2'$ 4&,44$6,&64#69S,-1J<

Trang 6

3456789 359 9 !"#$9 % &'

5(5 ) *+,-$./$0/12$3/+44565

67897:;<3= CD/E/FG53H9 &55JK

OPQRSM   5(5  &'7>TUVW+CD56SMX3= 7>9856Y

7M9M 3= 7>7NZ7[53= 7>\"9 953>/^^_`a8 SM 3= 7>$E

G5*Nc9Ld565 5MK5

 6789e:<[FCf56 Z *N3= 7>OPQR SM  7M

/F+^_g$F\*N 6NK3= *N3= 7>OPQR7h SM6NK

3= *K9 U`aT.T1I$klT4 9 %= 7MN59KM5

 565 

mnonmnpnqrstuvwtxvyqustxvztw{|t}~t}€}t‚}ƒt„…t†‡ˆ‰tt

ŠI9&5Sf*N 3= 7>?@ABTW2F,‹l1h\9*FŒT.*K78S

 9 95\ C2/$-`2/189M 

‘’9“:;9•–9—˜:9™7š”9•;›œ9ž—79Ÿ 9œ¡¢œ97£œ¡9ešœ9¤¥9

mnon¦nonqr§¨t„©¨tª¨«ƒt|¬t­®tƒs¨t

6789œ7¯”°Ch569h\9CD569859& 3±56985\g9

67897:;<²$³Z!I 5*+$-$/.1I 9K56585L 9

6789e:<6´' Wa567[5 585L 9

6789µ¶·¸/$CD569 Ž56 \ *N585L 95

mnon¦nmnqr§¨t„©¨t«¹º«tƒ»«¹t

6789œ7¯”¸/W²,-$./

J= 7>OPQRSM\9 56¼ N59½56*N565 ¾ Z6 9\¿6NK

3= SM Sh59 Z (5![TCf566NK3= 8 5(59%56Sf 4CfS4

,--/,%= 

67897:;< 5OPQR!Ă94KEÂ"TCf 59 567M3M *N565 

3= 7>*N565  5S],-E/FG5 7hFF8 L&5585

L 97M9M \h 55O´6Đ' 565 ÊZ3I/$EÂ" 9)564K

5859G56 5Ô563>56Ž56 565 9 567M3M 

6789e:< 953= TCf563=



_ 56565  5S]9 Ž569)5´!IƠ569K56c9 8 

  N5*N565 JK7 Z 53= 7>?@AB$0/Ơ569 

 SÌ9% \ Z*+/`./Â+Œ$ŒE/FGl.49& ¼ GNK 5

mnon¦n¦nqr§¨t„©¨tªƒ€}ƒtƒ»«¹t

6789œ7¯”3= 7>565  5S] Ô//.a$./+1.+4456  ) 

*N 

67897:;<3= 7>OPQR6Đ'    &'9' 556 Ơ57[53H

3M567M& ¼ GE^

6789e:<_klb563= 7>9(  ¼ [957h

456575  

 !"# $%&'()''* !)( '+ ,-.//.

0()'1 '$'234 !)56 !+ 47893:89;<=>?@ !,A'B'CA"DE 'F)GF )56 'EH#IJC8984JKH !LE&'M !&1'@ ,H !LE)N&1'@ ,A'($'* '&OA'EPF,

$(EA'EPFR

ST UV !W( XYZ1[0'\"6]$EH Z^[ST UV !U_6$Q` "Ea))'F]b884JC !$Q(E A'EPFZc[0'\$'F`$*E)'T 'Zd[ef\Xg 'Zh[0'\"6]$`FUF !Zi['Y$ UV !Z)QjUE$ -k)'"V$'6 '$\( Z1[S'6 '$\( $F]H $'# !Z^[.!+ '* !$_)$F]P Zl0e\ XE j[

Zc[m\WEXjW6 &E !Zd[06XX)j $jQZh[S'6 '$\( 'Zi[0()'1 '$'2)$'6 '$\( &'() -k)'"V=Jn< $*E)'T '

 'o&'f8p89=qA'CA"*A'+ $)'$'M !$ $*E)'T '&'EP )'\.rSm$%X+F

JC)&'()''* !$ )q]"*]`F)GF)F !)<s3t3=Jn< $*E)'T '"*uFf XvU\6 ' !'EaA)'\)()-.//.,)())( '+ ,w)'2)R

m$x#Uk)'"V&'()

.'oJ=4P)5>3t3yz{84J|78}I~I )#?€89bWf\"a$H W@)"*)()"q$ 39It~4t388yz{3IHF&Ea8b$'_)'Ea  !'EaA"VWf\uFf "q$)N!E()56

&'()''* !R0()Uk)'"V84J‚f Xv$*Exf ,uFf Xv'\@= !$*E)'T ')'\)( '+ "* U\6 ' !'EaAR

ƒ„ƒ„…†‡ˆ‰…Š‹ŒŒŽ‘’“”•–—Œ”˜™š›œ

454565 žŸ ¡¢£¢¤¥¦  §¨©ª «ª ¬­®¯

0NQ<$ 'EHF&'(E Ea°±‚>8Ib²&'() '6F"H8p89|_))@84=>84±³)WEa$* 8p89|_))@ '$6 ')56Uk)'"V.re´,²$x#&'(E Ea°JC38IP  'EHF '<$)56 µ¶·¸-E¹878ºI84=P$'P!EDI¼½½¾¿±ĂÂI>Đ4n7{Ê>°>»ÔƠƠÔ¿±;8>»ÔƠƠƠ¿±ÌỈ {I84Ì2)Z^212[RSw !'CA$%$<$)f3t3‚>8Ib²$` ,()!Ef3:89J>;>°$&'(E

Ea²)56XFq8t884JĨ>KÍỊÌÍÎÏÐÑÒÓÒÔÕÖÓרÙÕÖÓÒÚÙÓÛÜÒÖÓÝÞÓÕßăÕÓÖâÕßÓđêÕÓôơÓÒÚÙÓưì×Ó ỉĩíịÓôâÓìÖíÓÍÌÍÎÏîïðÏñòóÏôõÏö÷ÓØìÕßÓưÔÍÎÏÐøùúûÓ×ÖÜÓüÖýÕÓÓÕÖþưÓưÞÿÏ01ÿ2ÏñÌÍÎÏ

ñòø÷ÕßÓÝâÓüÖê×ÓØú3Í4Ï2ïÏ0ø5ÒÓô5úÓÕÖ67ÍÏÍÎõðÏÿõÍÎÏÿ894Ï0íưÓ Ï0ìÕßÓÒÚÙÓÕßăÕÓ ÖâÕßÓÙÕÓ× ÓÒ ÓìÖíÓÍÌÍÎÏÿ2 ÍÎÏ ñòøùÒÓÒêÒÓđúÍÏ0ìÕßÓÒÚÙÓ×ÖÜÓòøÍÎÏñòÍÏÿÏ÷ÓÒêÒÓ

ô5úÓÖÓ êÕÖÓÒÚ8ÏÍÎÍÏ2õÍÎÏöóÍ2Ï'(E Ea²$` W6\!²)()]PF$#)f"H E@E

"* !\@E)f84=t389P )'EP8|JC))@ '$6 ')5>8984789zq UV ! ' !

XCE'Px )N)5>89847893:8984J84 !]PF$#$'Fq XCE)56&'\6'))M ! !'a '6])56 H &E '$Pb)N$'b²H²UYÊIHF)' ')'\A'B'CA"DE ''1 '²DER

   !"#$%  «ª §¨©ª &'(& 5 )*+¨,)Nx_>8,-89I6)@ '$6 '"*'CA$()!E6)().rSm

)*ªž,)@ '$6 'X* '²@844JD !$DE.E ¸.E  )*ª/)'kF 'EH=t3 !)5>°0IJo !W`  !\*E )*¨12)'kF 'EH=t3 !)56$ ''1 '$*E)'T '$'P!EDE

454535456789:#5¢9¤$5¢£¢¤¥¦  §¢96;<¢96;=¢¤¥¢9?¦  &'(&



Trang 7

34345464  9     !" #$%

&'9(4

 )*+,-./.,.012.34556789:;<1=./.>?@A.0BCD,ED,F.05/55,GI1

JKLMNM.012.345DQH5,R.,STU1VBWXQDFYMZC[\J]M[L_.0DQH>-.SH`,-J\J]MaOJKM

3bHXT`,-J\J]MZ-Bc-d7.DdQ.Dd.0`H.,@d7.,XQSXT.012.345XfYgJMJ]LbH

3434543  hijhkihlhmin hmphikqhmirksthmiu#v !" #$%

&'9(

)*ZwJKM]OwMxK-J\J]MJ\J]Myz-.D567BCD.0|.,Q.05}D,*D,W.0U17BCD>F`,R7

5~.,<I15,R5,6VzMJKLMa€z

‚ ƒ„MY…1D†5,‡5,HE.,ˆ1567.0|.,Q.05}+,‰,Š+X‹H5/5BA5DI1<5,HJMŒLŠ5

567.0|.,Q.0`,W.0

‚ ;~J]MŒL‹H0H7d@{5,S`I.,+,|.+,FHT

‚ W.0.0,E

‚ Ž\J]MŒ45U1-.DZOf1,Q.,

‚ 7.,D.0<1VD.XQ`,-J\J]MKŠ+D/5

‘’‘’“’”•–—”˜™š˜”›œ”žŸ Ÿ¡¢ž£ ¤¥ž ž¦ž£ §¨—”—©žŸ ª«¬žŸ ª«­ž£ §žŸ ¯¨—”°±²³”—´µ”

—–—”°±¶·”

34345464 ¸¹  % »¼iu½¾i¿sĂhmiÂĐiu½ 

 ÊÔOM[^LbJ]MƠƯMÌÔMYỈM-JKMKL_J]MZ.,d~[MZC.056€MJ]ĨJMKÍJ]M[KL„J]MÌ~Hc7d

02ÌMNMÌÔOMLb.0`H.,DƠƯMÌÔMNPÌÔOMLbJ]MƠ\JMKỈ€MỊÌMKCOMƠÍMNOÌÔOMLb.0D4

JKỎJMƠÍMNƠPMÌÔOMLb.0`,d7,Î5Ï5W.0.0,EÐ8,ˆJ]MÌÔOMLb.0.QV5}D,*`ÑB,ÒB

,dÓYM[KÔYMZÕÖMZ.,d~[MZC.05~.,D7.,56€MŒJKMƠ4589ר56789:;АdX=V<+,|.

D5,.,ˆ.0V1DFDI.>Ù51.05…+.,ˆ.0D,W.0D..,ÚB`ÑB,ÒB.,ˆ.0V1DF0|V

,~OMYÛJ]MJKLM[KÔYMZÕV.,ˆ.0V1DF5}3ŠH5,d,d~[MZC.056€MJ]ĨJMKÍJ]M]O€M[\J]MJ\J0

3455~.,D7.,Ð

34345434 Ü %º »¼iu½¾i¿sĂ  Ý

 ;H5,7Þ3ßÐădeDÞeSâđ1đT5,G7eÚ.0<d.0c…D`Ñ.0Q.,.Qd<@d7.,.0,HEêMYÛJ]MYK{1

/+345DôJ\ÌMŒ45ơT>4ư1…D,HE.56€MYwYMZFH,65~.,D7.,B‹OMOJ]zÖMY„M[ô5/5>-.

+,ÕB<@{5,XAD,7VD,SH/+345Dô`,/5,,Q.0SXT/+345Dô.,Q51.05…+SXT/+345Dô

YwYMZFH,65~.,D7.,Dd.0,HE.D~OMƠÍMNƠPMJ\J]MŒ45<1VD.567@d7.,.0,HE+Ð

ìỉĩíịìíîï ðñòóðïôóõïöỉĩíịìíöỉ÷öïøùïúûïñüýñïýþñòÿýï012ï

3454ïð6789ï 67 4ï

“’’’”· ¤Ÿ”—´µ”˜™˜”—”

/5BA5DI1.0,HI.5‡15}D,*ZLŠ5D,45,HE.cÚ.0c75/5,D+5=.>71ơ1T

êKL„J]MêKwêMZ{JKM[JKMPMêKL„J]MêKwêMZ{JKMŒLŠ.0<XQST`D,Š+5-Z{JKM[JKMƠÍMZ{.,

ŒLŠ.0Ð80,HI.5‡zMJÍÖMKL‹.0XQd,7HBA5DI15,R.,Ð:,‡.,…DQDB,H*1XQ`,/B

+,/5/5.,|.DF-JKMKL_J]MZJMJ\J]MŒ455~.,D7.,5675/5.0|.,Q.0Ð:,‡K€OMÍMZgM

ŒLb.0B‡YMZC[wYMZC.0K€ÖMŒLŠ.0,}7>4[wYMZC.05675/5.,|.DF…ÖMZJMJ\J]MŒ45

456789 84 667

87'67 44%48!#67!64"#87"67(8$)87* 67!64"#%+8'67!64"#

,./0 87'67%48!#67!64"#87"1,23,4567/899&667!6 4"#6':;<687=4>?>@>678A67B !64"5678A67C'

>?>@>D*6B !64"5D*E 7'6744%48!# 67!64"# 

FGHGIGJKLMNJOQRJMSTJMNUJTVNPWTJMXYJ

B\9 ]\[^^2 `a :[8 2 cC4d 4478)4667!6 4"#B 47g9 h#)-676!6:i7j6787'67 87)8$)67!64"# lmno pmqr'4478)46:#stuvw5/-,xvy>>z{1/E|17/}*4~'4478)46

s647 olmnom€|*4 )46s647^'4478)46h#65B6#48[ g9 olmno‚ƒ47„684d870:;6$)87*4 4478)8…67*B†‡[ g9 e&6447$)87*4 4478)466!#8!6 Z9 67!64"#6'4

 8!6:i8…67*4487"4'70#e)- /ˆx4:i-@/‰6 4467Š6

8‹DŒDi445678 4k1/@/Ž60‡Ši‘/8/@/,

87#)867!64"52’x:;64478)46:#s6^'7“7* ”487i4 7”644%48!#67!64"# ^#x672

•–—–˜™š›˜œžŸ ˜œ ¡¢˜ £¤Ÿ˜Ÿ¥ £¦Ÿ˜¢§š˜

FGIGHGJ¨N©TJOMNJO«ªMNJ¬­TJ

®467!64"5DŒ¯51)48'%'841-i47”D6/1/ˆ°±”8

’123,4#6' 8 9^*7)^³6874787"4 ”487i47”667!64"#6' ´*

87)^' 8‹667!64"#B 47 '9(8‰x61/,4# \(8*'$7d

¶-z{x,”/-‘/?·°^987#)-/8‘,Œ/"#8 )# Z# 67!6e(8*6'4d870*4$74$7¸4747”#h#e°”487i47”67Š6847

847³6B®8 ::C Z9 67!64"#6'4^ 47~64467!64"#

 28!#47A%!#8°8!6  47~687!%Bg8 ¹8 '4467!64"# e&68)6g67 4%8 j%$)D6º-v»1/-{z·1»»v/-,/{>v-,

D7{»v-1,D¼1¶,½|º-v»1/-{z·1»»v/-,>vz»{z1/v{»vzv-D¼1¶,½2

®#‹4“684 756°1 67!64"#4d8¾6:#(8A47³6674#67(8 87"8i

8²8!6‡#‹6^'%8'”#8 67!64"#6' J

FGIGIGJ¨N©TJOMNJ¿ĂJOÂĐJOÊOJMLMJTVNPWTJMXÔƠƯÌƠỈÍỊỜÔÍỊỠQỊỠÏJOĂPJ

 Z9 44%+7j6767!64"#44467Š68‹-@/‰)Di445678 4

47ÐÑ\´4k1/@/Ž6-?54467'67!64"54#:;6

8!644%+7j67^987#)864686 

ÓÔÕÔÕÔÖÔolmרÙroڀÛorÜÝomÞpomßăo Z7#)8897â67*B8 % #[êôơưE*4Z9 [9 67!64"#' 7”#^¾¾5x6{ìỉỉĩ|)8/*4e…:#6 67퍏 ịìììx6*478!6%°9‰6e°%‰8:‹67'$678)7~/ív-x6í,·{w,1B2 2C

Trang 8

 456  779 62667 76!"#$

!767%&6"7 7 '()*7+  6,-./012&3#5(76&789834

7; 67678<;3 <=7;77";75"

>?@?@?@?ABCADEFDAGDHFAIJKFALMAINOPQRNQPNQUVWOXQ

YZ[\8[][^80!8_`7<67abc 3de &e66 "f"# 6"  4"

g:e h ij_`08klmnnoplZ[\8[8`qr/j-s8<;d7et 77";67 '<;"

7+818kluvvn_w  x dyf3de &e66 "zy e6  f"# 6"  4

{[|0-p}65 7 ~!767h<+818(75 9 6

7+ h ' €:e6  h<+81pẢ‚ƒ7„(7:7…67c z7c &

a‡jƒˆ818[_%"7 7 '(667c )

‰Š‹Š‹Š‰ŠQŒẮQPŽOPQPẾQF‘F’A“KOPQS”•OPQ

 €–7—7%˜67<; #3™šš14zy7"&(#"<; #3™šš1467—˜67

3™šš247"›818k81~!767%&a81^8[`81a[œ81l!†ƒ0~c 

67– Ớ8&67'67, 7ž&76,zh" 2&Ÿ47}a %tƒ~81~/0 

 ¡[œ81a'3 #7 i8h <477'67, 3<4:758k81ƒZ8181['<;3< 47;7

7 7<; t5)* "; z˜673™šš24ằ7"› 9hẳ#8 67&76,896

%  7; <;"&–7—7 7 $8

‰Š‹Š‹ŠẵŠQŒẮQPŽOPQặỠ•QớٔSờ”QRởQF‘F’AỡŨặQặKOPQS”•OPQ

€6" 7+ &–7—7}6ẳ  6" < 'ƒ[^8aƒ[8k81~!767

%&6"7 7 '-ƒ[Ứ8[~`lZ[\8[ƒ%/YợỪ0ba|bợYZ[\8[8`q7";7ổ7

7 8t96Ử8klmnỲoaw†8klmnno_`ƒƒ0†8[l66" 7+ &–7—7t5

6 65 7" $8<!8[a/8[ợ{[|0-p8k81~!767%

&6"7 7 '8-†ƒ[j8187858[[³ %7 8 6,7%Ớ8<;

Íj/88[ r5(76&34:7(7(7,  &:e6  <;…6 3<4:7"7x

–  7'3<4ẳ 7 (7 < 4 &tƒa`†ƒ[Ứ8[ _††a8[6ẳ7$3< :758k81

Ớ858~Ì_` Ả¡8k81~ 

‰Š‹Š‹ŠộŠQŒỈSQĨÓQửẮQPŽOPQPữặQ

* "; 7+ &–7—76581t'6:³a‡8a[\i‚8[1†‚Ò[58k81ƒ!767

%"7 7 '8-†ƒ[j81_`81^8[`81a[œ81l! ž  ằž67i  &–

7—7Ỏf<;¾f)ự

ầÁÂÁầÁựấẩẫậđựẻậựÉÊẹỉựẩễẫựịẩỹựẹỉẩẫƯẹựịỦồự

d8:7 77 ' 7 '87ổ7967 ƒˆ818[ 7(<w  7 $j7

a8[rœ.z 87ố†6 59 7›&67867=(7 7ž&+t'8#8)

ấẩỦựẹẩÔđt 7ố†67  67867=( '8<7ž&68ẳ z w 

67z&$6787=(3g:ezỏ8&ơÈ9z™ššừ4)* 897t;7… ž67it;

7+ 76,ž67iž58[[³  78<a[‚†%/81c†(7ố <}8, 

<w ứ &6<}8) 'jrœƒ}8`q6 5#ũ81i677

45678 8 75 75!" #$ %8#&'(

8)7*85+,"7*5-7 5!/ 507*1

234536759 5:; 85?8 ?75 545@75A7 BC<DE;DF75G

E=; 45:7*'J7'(;IE<LM;NOPQRS!" 5)7*5>FBC<DE;D 7*

=T=>U<;+ 05V757*5-7 UWK  *X"/?K<Y75#Z [7*0 5V757*5-7 5\EU]758 &S85_`aa`b 8_1eefb c 8 h 05V757*5-7 ij;kT<+45l5>4'( 8?458+7 5&]K<m7* Y '[7*675c7*%7nKk<Y!%c7ocpm@ *<qK?75c75 45:7*'J7#6"m8#r %mX"7s UDUECEBC<q<;t" 75@%)

#"7*m8#r75678r1v05V757*5-7 %!&*Gaw7575678r<q<=>UxDU<Y75

8&7*05V757*5-7 ^&S85_`aa`b%!&*G_9"_b]Ey=( _#745z_'b Y '[@7*&c!75 7*75678r={U}EE_b 8?7_

8c 7 J/8~7*5-7 v1d&81eefb1^ ?85>4 5!05V758-7

KPkU85! 5LBC<WEEWFK}E€IE;kU.<Y758975 _45:7*'J7#6"b1 8 P=7* F‚E<?7 458)EE;Dƒ m8&]KUDUECEK=Eƒ] 45„78] ocpm@7*5-7 <q<=IKkƒj?"8r…jK†‡BCLKLEE;kU."1ˆ‰@ !75

8?7* 7*675c7*8]^KŠIƒU‹EyCƒm8&7*75 7*/?"8r!X"/?K<Y75 5c7* 55Œ"r7#Z [7* Y '[poˆẮ poẢv

ŽẾ‘5237’“5”’5•–—5˜™37š˜5›4œỚžŸỚ ¡ằỚẵặỠớỚ ẵặ›5”3Ùờ5ởỡ“5

 Ũr;=>E 5LDK<+85"85A4 #rUJ4#Z [7*8&7*7*5-7 c75 ENDUCE<IE n8-7 Y!%c7

85c7545rocpm;RỨ=EK ,"457*,"75-7'c8A48"7*'c&m875

85+=BA/ 45ợ48 *85"85AF 75 7*#r" =>7*'V7457

U†xDUKD;  _S!"7 #81`a1`bRŨ;t"7c/#‰ =7*8 <?7#$ 75 -8 X"8~45678 #r"1SrUJF 8 *85"85A48507*X"!45:7*'J7#6" _7ổỬ485ổỪ78'Ỳb&7* 5&7*85*!78~³Í̳ộÌỈ³ÍQ<?71fĨaÓĨ`a1f15

ŽẾử523ữ›537Ҙ5˜™37š˜5›4œỚ ỎỠ¾ỚẳỠ¾ỚầÁỚÂấ5ẩ95“3—5“3ẫậ5đẻ58җ5“É5Ê٘™53ẹ75 S!" 5 577*5-7 <YKỉm@ *8 5745:7*'J7#6"

ễ³³NDUCEB( 8&7* 5&7*85*!78~Ỉ³Ì³ịÌỈ³ÍQ<?7

`aĨawĨ`a1f1Ử&m8#r75678r X"!777*&c„ +#&8 8 *@m8

#rE=~ 45:7*'J71vm8#r%7*5: 507*85"85AF<=>U<„j<H

K}EKKOL=ỹ$ ?ỉI<„RŨjyC ENWN\N}EK+875 5: 5

8 57 7*5-7 #Z [7*%7* 5:;=yCƒm8 85"85A4#r"

UJ41Ả"/75-7@#!" 5&]%: 8755"r7*7c/@ *85"'t Ư12%7*

Trang 9

456 688 4 9  45!"#$% 8& ! 4'#(4)$#

*%# 

+,-,.,/0123/461/78/9;<=41>6/1:;3/3?1:@3/6ABCDEFGCHIJ3?/

K!%L4)4% 4MNOPQRSTUSVW9XY 4)P#Z)P #4MZ "4[!\]P%^

_ () 4Y 4)PU`XS8bc Zd)\]P8eSfgh6P M4i# 4\]P

  4j' #4 YQlgmn9d 4oXp8q#4#N)P# _ #4i# ]9rW8o8o#4)P%s%

!4'tX8u#(#(i#4 #(v_#w lSxSW`yWX9RWzt)v{#(Z)P  4Y 4)P#

M4i# 4#4i# ]L4_M4_|}~Ă|€M! }! ~#!\)\Âo oUp8q8xW6x

l6‚SVW9XxS8u#( ! _ #4i# ]T$#v)o#M4Ê 4%u ^_ ()\ÔNÊ#(M4i#

44Ơ6†8lƯ6o# 4' ' #vu%#(4)$# *SVW9Xˆ#(#4[#4{z8xW6x

Z!)‰#o% [ ! _ #4[L4_ #4!% '#(%#(4)$# *%À$# t8fpSxSX]#(

L$)$%  4'%#(4)$# *SVW \ÔNÊ#(/

‹Œ‹Ž‘’“”•Ả•—Đ™ÃĐ›Ã’—Đœ’•ž

ăÁS*yâSRQrđ 4%o Zê _ #4i# ] [9rW8oÁWcY  t#4 !#4

'#(Nb 4ZÊ#(i#4 #(v_#w #4v r $#^_ ()8ê€%T  _ () 4%o Z 

ô4k#4#(4)$# *ơ9d68`Ặ



ưẨẪàẬÈàẪÈẺàẼÉÈẪ°ẸỀẪ

Ể[) _ 4ỄxSpU9RWXƠ6†8lƯ6o# !#(4)$# *% ả

·ÌỈãÍ)Ă)½¾)

mnâW8fpỈcyP\] 4&p)  _ 4P\]4Ơ)s%^) \!)\]#(%#4)$#Ò%]) á#( 

SxS86q#4i# ]Ă}!  j\Â) \!%L4)4Y 4)P#M4i# 4#4i# ]L4_

M4_|}~

mnâW8fSxSW6 4%o #(4)$# *% ả

4 516  8  !"#

4 5'6 ()8*+  !"#

4 5,6-$"    !"#

4 51623   !"#

4 55656$ 9: ;<=$.  !"#

4 526>.?@# 0.84   !"#

4 5A6 CD  !"#

4 5E6    !"#

G

HIJKLMNOG PQRGSTUGVWXYZVG[\TG ]^_^G`abcNdfaNcgchNijkGklmnGopqmnGkrqGstknGuvGLIwxNdyzcN{tqG|}mGX}GV~ĂG

€Â‚‚ÂÊÔƠ†Ưʈ‰ƠʆÀ†ˆÊ‹ŒŽ‘Ž’“”‘Ž•”ŽẢŽ—Đ™ÃŽ

›œœœžăÁâđêôÁôđêôÁôơẶÁưẨẪàẬÈẺẪẬẼɰẪẬẼẸỀẬỄẾảẪàẬ

·ĂÌỈN{ãG]^_ÍG·ĂỊcN{~m½GkrqG¾ÒĂGáạằdNaỈẳN{~m½GuẵmGkrắNfặfNLIầẩN{tqG|}mGX}GV~ĂG

ẫấêÁậỀẬẪẸẻẬẽẬ

 éàÐẹêÁềểễếệỨỂễÁìỉĩêÁôíêỉÁìôíÁêẾịÝẬẬẸẼẼÞẻòòòœỏõȜàóȜÈẪẬ

 78ọ $  %ợ 'ủủAð'ủ1ủ ũC 86úồ ụCở&6ờ8 86@ừ. <ổ *086

*&3ú)73@ ụCở&6ữ

·ứm½G]^_ÍGRntGựnỳcNaỈẳN{~m½GuẵmGkrqGỷ~oGáẵGLIầẩN{tqG|}mGX}GV~ĂG

ẫấêÁậỀẬẪẸẻẬẽẬ V½ỹmGn}m½GýþþỵG ýþþ0G ýþ_þG ýþ G ýþ_ýG ýþ_1G ýþ_]G ýþ_2GLgýG 345 ''ữ2 '1ữ6 '1ữA 16 1E 1Eữ' 1Aữ1 1Eữ2 B78 1,ữE 1'ữA 11ữ, 6ữ1 Eữ6 6ữ1 6ữ, 1ủữ1

978 11ữ1 1ủữ' EữE EữA Eữ2 Aữ6 Eữ' 6ữ2

89 11ữ2 1,ữ' 1, 11ữA 1ủữ, 11ữ5 1'ữ1 1'ữ5 378 1ữ, 5ữ6 5ữA 2ữ1 2ữ6 5ữE 2ữ' 2ữ5 >8 1ữ' 1ữ, ,ữE 1ữ1 1ữE 5ữ' 5ữA 2ữ,

>78 ' 'ữ, , ,ữE 1ữ1 5 5ữ2 5ữE éàÐẹẪẻẬ ẬẪàẸỀẬÈẬẸóỂÁưẨêỉÁêỉĩêÁôíêỉÁỂỄêÁưỀẬõẪẬẼẸẪẸẬÞẸẺẬ ẬéẨỨÁêÁžẬ

Trang 10

4 567897 7 88 !"#"$%&'()$*+,

"-./+,0127 3808456788629":+<=##9>

?@ABCCDEF0G,0H8IJ5K8L MCCDEF0G,0

&(PQR!RQSBCCTEBC1UV

WR!RQSBCCTEBC1C# OZG0[""-\7 L]^0 `RaYI 

81#Q:bF !c78+</:GFQX"+<X+,0V6Y 

80d>397efghh=RiR /:+k30a28Al*"-./+,012b

78m7n][+</:GFGoX+pqrRaYI 897s]^0 8n]I2:7

7 80aY AY7F1+<A8I8G0t0A730[2 !+u0bHV

vwxyz{|}~ÀÂ}‚ÊÔƠz†Ưˆ‰ÔƠzÀy‹z{ŒŽ}Ôz‘’Ôz“ˆz“”•zẢ—‚Đz†Ư™Ôz{Û}œ}ž}ăŒw}

ÁâđêôơẶẨẪưàẬÈẺư



ẼɰɰÉẸÉêỀâêỂỄưẾảư·ÌÈẺưỈãÈẺưỈẾÍưỊơỈẾư½¾ưÒáạằư·ảẳưáẵưÒắẳư

 (pj<8S79 ặ :45Kầ !XS> c28[78Fặ

H J67>8[78Fẩẫấ>8[78F78L87 ậYL ]NOL30GI07N N7OL30V

6 8`Z#è98YYI I  L38ặ88IGI

8 +p" !**+,7 G0[8S8A_tbẻ7a2\7 78L8

Q#`"#"*aY8ẽ7éÐH bẹ8[78F_tbẻ78ềGI78L87 38ể

7a2\7V

vễŽ}~ÀÂ}ế}ệˆỨŽ}ìỉĩ}}íịế}ݔ›}ތò}ỏ}Žõ}󝍎}òọw}ž}ăŒw}

ồÔÀz{ỗ}òóốŽ}ộờở€ộỡớợù 4H8I ấFJ67 ấFẩẫấ

J5K 1Củ ủC2

JðũK ủBT 1UT2

Kúụ B2T 12CM

56ð MMừ TCửừ

ữJK 1Từ B1M

ầứK 1C 1M

7KK TM BUừ

7ấK 2ủ 1B

65K BBừ MUừ

ứ5K MừM 2Tủủ

ÒẺựẬÈẶưáắẳưÈẺẾơư½ỳưẾÍảỷêàắđỹêđỹýđêýþđỹêỷỵ0đêàơ1ư2ẵÈưẨ3ưáẵưÒắ4ê::36ẫ23::Ẹ7°°8

 456786  ! !"#$%& '()*+ ,-./01/2364 -)5678 --9 7 7 '<=->?@A@B

6739 65 3C :D64  6E367F,7;677 G3+ 6:,7)B+67H 7IJK 

JL67-K6MN1O&1PN1O&1&QR1STU)7V(96 64 6W 7

!/Y6*)5&1T%B6JL67-K[\]^,7)7_TU ,7;677 7IJK JL67 -K(96 7)`a%&b  

defegehijklhmojhpqrshtuhvwvxyz{oho|ljhm}~ljhoÀy‚ÂyvxÊvyÔƠvxy†ÔƯˆvxy‰|Àh‹Œh

Žy‘vxyzvÔy“{ohl”klhjŒl”h•Ảlh—Đh

 ™8/N1NÃ1TB66WX1aQ/D -_ *) 7)E 6037IJK 

›œ1›N››OžăÁâđ/8::W!/8: œD) 7;676706ê6MÃ1TB6 6W1aQ/D -_ 6M+JL67-K[\]^6W/L+* \[D)

:Y6:W 7

sjôhljơm :C67Lb -:W1T)74W/D J2/U6:8(D 

 ™OQT U)67V Ặ)6(D)6M+7567_1ưẨâẪXP/L+* \[D)A\à 7

&PœẬ86;67(+6È7567_   7 :D669›!NưẨâẪP/L+* \[D)

6VẺG3Ẽ :W1T)67) 7; 7Ẻ7M,7ÉẺ6Ẽ6-)9Ẻ7UẺ,7;677 6 67_ 

*+4Ẻ7M7237V6J4+ 7 7)5›&6°Ẹ[[[êA sjôhj~À!S/D1ROẬB/Ề1/Ẽ!/7_/U/&W4*)*Ẽ 

 \[D!Xa1O%ÃSỂ67F 76(cỄ7D)6M+6Ẽ!œ9Ẻ6(3  7)`3

b1/W)7H!/Ế 674 E  3ả  7 BNưẨâẪP/L+* 67 7

Ẻ7_(96Jả)J4A4C 6;66 JK1/U66;6  7 67B67)5 6 67H/·11b!/·1%56Ì67Ỉ6H1Ề1N/&W469Ẻ 796Aã`/D 7 B6 

ưẨâẪP/L+* \[DS/D1RND/D63 *à 76+474-):Y6*Ị 

673 6M+  7A sjôh•~!NưẨâẪP/L&/`365U)7V Ặ)D)8 T%B6,) 7J4+ 7

*; ½

 ^U)7V c396Ẻ7;6È-)566;6[\<=6W)\[D/`a/¾Sb))+ ,7;J) /8TRQ 15::+ 6F VTU6 

63 67 7A :Y6 sjôhljơm!/ÒW 75+74W/D   3ả 67367M - 6È74W/D 6 JK 

6 67_ 

sjôhj~Àá7)V37BE ,V6) 6;6[\<=-) 7+3

 @BẺ7_)7UẺ) NưẨâẪ1T%B6[\]^6ạ ,ằ:ẳ=ẵ)7567_    7 Ẻ7;6)8 :D667)VTU67)5/W)74;,7;6 7+3 657BÉ ,V6-) 7+3  (+ 7BỄ Ẻ7F-_ -67b))+ 7B6W Ề1/N1S1 6;6  7  7B,75 ÃTB+67H 6M+6;6J4+ 7 7)5Ẻ,7)7IJK JL67-K  7 A\)53G3Ẽ7I

JK -à 6ạ 679ẺA sjôh•~ 7Ẽ Ẻ7ắ:JL67-K[\]^6MNưẨâẪP/L+*S`3,7;6*)56A

Ngày đăng: 17/09/2016, 17:08

TÀI LIỆU CÙNG NGƯỜI DÙNG

TÀI LIỆU LIÊN QUAN

🧩 Sản phẩm bạn có thể quan tâm