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Bum cng gi

vng bc vt trng dng

CHIA S C HI,
HP TC THNH CNG

THNG IP CA CH TCH HQT

THNG IP CA
CH TCH HQT

BO CO THNG NIN 2011

NM 2011 KHP LI VI S THNH CNG RC R CA T PHT


HNH C PHIU LN U RA CNG CHNG (IPO) CA BIDV. C
TRIN KHAI VI PHNG CHM THN TC - BT NG - CHC THNG
- PHIN U GI TR THNH HIN TNG TRONG NM, C NH
GI THNH CNG NHT TRONG BI CNH TH TRNG KHNG
THUN LI NHT, M BO LI CH CA NH NC, P NG NHU
CU CA CC NH U T V NGI LAO NG BIDV, TO TIN
CHO BC PHT TRIN MI CA MT NGN HNG THNG MI
C PHN BIDV HIU QU HN, HI NHP SU RNG V BN VNG.
S thnh cng trn ni ln nim tin
mnh m khng b tc ng bi thi
gian v ngoi cnh ca cng chng,
nh u t i vi thng hiu BIDV.
Nm 2011 tip tc chng kin nhiu
kh khn v ri ro tim n i vi
hot ng ca h thng ngn hng
thng mi trong bi cnh khng
thun li ca kinh t v m v th
trng ti chnh - tin t. Tuy nhin,
vi phng chm hnh ng ch
ng - quyt lit - linh hot - thn
trng, bm st ch o ca c quan
qun l v din bin th trng, BIDV
tip tc khng nh v th ca mt
nh ch ti chnh hng u trong
nn kinh t, hon thnh k hoch
kinh doanh, thc thi hiu qu chnh
sch tin t, chnh sch kinh t v m,
gp phn tng trng kinh t v m
bo an sinh x hi.
Theo bo co hp nht c kim
ton theo chun mc k ton Vit
Nam (VAS), kt thc nm ti chnh
2011, tng ti sn vt qua mc
400.000 t ng (t 405.755 t ng),
tng trng 11%; d n tn dng
tng 16%, t l n xu mc 2,96%,

tng thu nhp t cc hot ng tng


24%, Cc ch s v hiu qu kinh
doanh: ROA 0,83%, ROE 13,2%, h s
an ton vn CAR t 11,07%.
Bn cnh chc nng ngn hng
thng mi, BIDV bng kinh nghim,
bn lnh v nng lc ca mt nh
ch ti chnh hng u, ch ng,
tin phong thc hin ti c cu hot
ng ngn hng v tham gia tch
cc vo qu trnh ti c cu h thng
NHTMCP theo ch o ca Chnh ph
v NHNN, gp phn thc hin ch
trng ti c cu nn kinh t gn vi
i mi m hnh tng trng theo
tinh thn Ngh quyt Trung ng 3
kha XI.
Bm st nh hng tr thnh ngn
hng bn l hin i hng u, hot
ng bn l nm 2011 c h thng
BIDV trin khai ton din trn c s
qun tr iu hnh bn l c ci tin
tch cc, hon thin m hnh bn l ti
cc n v vi thng ip Hng ti
khch hng; khng ngng m rng
gn vi nng cao cht lng mng
li truyn thng v mng li ngn

hng hin i v ng b ha h tng,


nn tng cng ngh thng tin h tr
c lc cho hot ng kinh doanh.
Mt trong nhng tin quan trng
to s t ph trong hot ng BIDV
l cng tc t chc cn b. Bn cnh
ngun cn b tr cht lng cao
c tuyn dng hng nm, Ban
Lnh o Ngn hng TMCP BIDV
c b sung thm nhng cn b
tr, c nng lc, giu nhit huyt,
vi tinh thn dm ngh dm lm, sn
sng cng hin cho mt BIDV ang
khn trng chuyn mnh bc sang
giai on mi.
Nm 2011 tip tc ghi nhn ng
gp ca BIDV ti hi ngoi vi vic
ch tr thnh lp v gi vai tr Ch
tch Hip hi cc nh u t Vit Nam
sang Lo. Cng vi vic hon thnh
xut sc vai tr Ch tch Hip hi cc
nh u t Vit Nam sang Campuchia
v Mianma, BIDV v ang tch cc
tham gia vo hp tc kinh t quc t
c trng tm, trng im, t hiu
qu kinh t gn vi cng c v m
bo an ninh quc phng.

THNG IP CA CH TCH HQT

Cng vi vai tr tin phong trong


vic trin khai cc chnh sch thc
y pht trin kinh t, BIDV lun tng
cng trin khai cc chng trnh an
sinh x hi trong v ngoi nc gn
vi vic tit kim, tit gim chi ph,
tin phong xut v thc hin c
hiu qu cc chng trnh mc tiu
quc gia v h tr huyn ngho v
xy dng nng thn mi.
Bc sang nm 2012, nm u tin
hot ng vi t cch Ngn hng
Thng mi C phn, nm u tin
thc hin l trnh ti c cu 20122013, BIDV tp trung i mi mt
cch ton din, mnh m, to nn
s chuyn mnh c v lng v cht,
hon thnh xut sc nhim v kinh
doanh ra. ng thi, BIDV tip
tc pht huy vai tr nh ch ti chnh
hng u Vit Nam, gp phn n
nh kinh t v m, pht trin kinh t
- x hi, tip tc m rng hot ng
hp tc u t v khng nh thng
hiu trn th trng quc t. thc
hin thnh cng nhng mc tiu
hoch nh, BIDV s tp trung vo
mt s ni dung trng yu sau:

Th nht, i mi trit quan im


qun tr iu hnh, to bc t
ph ton din trong hot ng kinh
doanh gp phn nng cao nng lc
cnh tranh, m bo hiu qu, an
ton hot ng ton h thng v li
ch ca cc c ng.
Th hai, tp trung ti c cu c trng
tm, trng im trong hot ng
kinh doanh, hon thnh ng b,
ton din cc ch tiu k hoch nm
2012, to nn tng vng chc thc
hin k hoch chin lc 2011-2015,
tm nhn n 2020.
Th ba, tp trung gia tng ngun
vn vi c cu vn hp l phc
v pht trin kinh t - x hi ca t
nc, gp phn hiu qu trong vic
n nh kinh t v m, bnh n th
trng ti chnh-tin t.
Th t, hon thin chuyn i v vn
hnh chnh thc theo m hnh Ngn
hng thng mi c phn v nim
yt c phiu trn th trng, bn
c phn cho nh u t chin lc
nc ngoi; Xc tin cc cng vic

chun b thnh lp m hnh Cng ty


m-con;
Th nm, tip tc m rng hot
ng xc tin u t, thng mi ti
th trng cc nc trong khu vc
v trn th gii nhm nng tm nh
hng v v th ca BIDV ti cc th
trng nc ngoi.
Vi nhng kt qu t c trong
nm 2011 v nhng k hoch trong
nm 2012, BIDV tip tc khng nh
s pht trin bn vng, an ton v
thch ng linh hot, gi vng phng
chm Chia s c hi, hp tc thnh
cng. BIDV s lun ng hnh cng
qu khch hng, bn hng, i tc,
cng vn ti nhng nh cao thnh
cng mi.
Trn trng.

TRN BC H
Ch tch HQT

BO CO THNG NIN 2011

THNG IP CA CH TCH HQT

MC LC

BO CO THNG NIN 2011

04

Thng ip ca Ch tch HQT

07
08
09
14
16

Tng quan BIDV 2011

17
18
20
24
30
32

C cu t chc, nhn s

34
36
36
37

Kt qu hot ng 2011

40
41
43
46
48
48
50

1
2
3
4

1
2
3
4
5

Thng tin Ngn hng, Thng tin xp hng


10 s kin ni bt nm 2011
Cc ch tiu ti chnh 5 nm 2007 - 2011
Mt s gii thng tiu biu nm 2011

M hnh t chc h thng BIDV


Hi ng qun tr, Ban kim sot
Ban iu hnh
o to v Pht trin ngun nhn lc
Pht trin mng li trong v ngoi nc

1 nh gi kt qu hot ng kinh doanh 2011


1.1 nh gi cc ch tiu quy m
1.2 nh gi cc lnh vc hot ng c th (Khi NHTM)
Hot ng Huy ng vn
(bao gm cc T chc kinh t, nh ch ti chnh v Dn c)
Hot ng Tn dng
(bao gm tn dng thng thng v ti tr y thc)
Hat ng Dch v
(bao gm Hat ng Thanh ton, Bo lnh, Kinh doanh th, v Kinh doanh Ngoi t)
2 An sinh x hi
3 Cng ngh thng tin
4 C phn ha BIDV
4.1 L trnh c phn ha
4.2 K hoch pht trin ca BIDV sau c phn ha

52

K hoch kinh doanh BIDV 2012

55
56
61

Cc n v thnh vin, lin doanh

66
68
74
81

Bo co kim ton

93

Mng li chi nhnh v cc n v trc thuc

1 Kt qu hot ng ca cc n v thnh vin


2 Kt qu hot ng ca cc n v lin doanh

6.1 Bo co ti chnh theo VAS


6.2 Bo co ti chnh theo IFRS
6.3 Mt s thuyt minh bo co ti chnh hp nht theo IFRS

TNG QUAN
BIDV 2011

TNG QUAN BIDV 2011

THNG TIN NGN HNG

BO CO THNG NIN 2011

TN Y
TN GIAO DCH QUC T
TN GI TT
M GIAO DCH SWIFT
A CH
CH TCH HQT
TNG GIM C
IN THOI
FAX
WEBSITE
CH S HU
CH QUN
GIY PHP NG K KINH DOANH S
M S THU
CNG TY KIM TON
T VN C PHN HA

Ngn hng u t v Pht trin Vit Nam


Bank for Investment and Development of Viet Nam
BIDV
BIDVVNVX
Thp BIDV, 35 Hng Vi, Hon Kim, H Ni
Trn Bc H
Trn Anh Tun
84 - 4 - 22205544
84 - 4 - 22200399
www.bidv.com.vn
Chnh ph Vit Nam (100%)
Ngn hng Nh nc Vit Nam
0106000439
0100150619
Ernst & Young
Morgan Stanley

THNG TIN
XP HNG
2011

Moodys

S&P

nh hng

Kt qu

nh hng

Kt qu

nh hng nng lc ti
chnh c lp

E+

nh hng l lch tn nhim B


c lp (SACP)

nh hng tin gi ni t/
ngoi t di hn

B1/B2

nh hng nh pht hnh


di hn (LT-ICR)

B+

nh hng nh pht hnh


ni t/ngoi t di hn

B1/B1

nh hng nh pht hnh


ngn hn (ST-ICR)

TNG QUAN BIDV 2011

10 S KIN NI BT 2011
Nm 2011 l nm c ngha quan
trng i vi Vit Nam: i hi ng
ton quc ln th XI, bu c Quc hi
kha XIII v Hi ng nhn dn cc
cp thnh cng tt p; V th ca
Vit Nam trn trng quc t tip tc
c khng nh v nng cao, to
thun li cho nhng bc pht trin
mi. Tuy nhin, bn cnh nhng din
bin tch cc, nm 2011 cng l nm
Vit Nam tip tc chu tc ng khng
thun chiu t kinh t th gii bi h
qu ca khng hong kinh t ton
cu, thin tai, bin c chnh tr v chin
tranh Trung ng, Bc Phi...
Trong bi cnh kinh t v m nhiu
bin ng, thch thc v kh khn,
di s ch o quyt lit ca Chnh
ph, cng vi ngnh ngn hng, ton
h thng BIDV tip tc hot ng an
ton v hiu qu, t c nhng kt
qu kinh doanh c ngha quan trng:

n 31/12/2011: Tng ti sn tng


trng 11% so vi 2010, t gn 406
ngn t ng; Huy ng Vn cui
k tng, t 285,6 ngn t ng, D
n tn dng trc DPRR tng trng
16%, t 293,9 ngn t ng. Hot
ng kinh doanh hiu qu v an ton:
Li nhun trc thu t 4.220 t
ng; Kh nng sinh li trn tng ti
sn (ROA) t 0,83%; Kh nng sinh li
trn vn ch s hu (ROE) t 13,2%;
H s an ton vn (CAR) t 11,07%,
T l n xu trong gii hn cho php
l 2,96%...
Khp li 365 ngy mit mi, sng to,
bn lnh v quyt lit, BIDV ch
ng thc hin v bc u thc hin
thnh cng nhim v ti cu trc mt
cch su rng trn tt c cc lnh vc
hot ng, hng ti s pht trin bn
vng, ngy cng hi nhp su hn vo
nn kinh t quc t:

BO CO THNG NIN 2011

10 S KIN NI BT 2011

QUYT LIT, KHN TRNG HON THNH XUT SC


VIC PHT HNH C PHIU LN U (IPO) RA CNG
CHNG, M BO LI CH CA NH NC, P NG
NHU CU CA CC NH U T V NGI LAO NG
BIDV, TO TIN CHO BC PHT TRIN MI HIU
QU, HI NHP SU RNG V PHT TRIN BN VNG

10 S KIN NI BT

CH NG TUN TH, THC HIN SNG TO,


C HIU QU NGH QUYT 11 CA CHNH PH V
NHNG GII PHP CH YU TP TRUNG KIM CH
LM PHT, N NH KINH T V M, BO M
AN SINH X HI

BO CO THNG NIN 2011

10
Kim sot tng trng tn dng, iu hnh li sut theo
ng ch o ca Ngn hng Nh nc, BIDV gim t
trng cho vay vi cc ngnh phi sn xut (di 10%), tng
t trng vi 4 lnh vc u tin (xut khu, nng nghip,
cng nghip h tr, doanh nghip nh v va), chia s,
h tr c hiu qu bi 05 t gim li sut h tr doanh
nghip vt qua kh khn vi mc gim li sut t trn
20%/nm xung thp nht cn 14,5%/nm.
Nghim tc thc hnh tit kim, chng lng ph: trit
tit kim chi ph hot ng vi kt qu cc khon mc
u t k hoch tit kim ra (tit kim 15% so vi
k hoch).

Thc hin quyt nh ca Th tng Chnh ph, BIDV


khn trng tin hnh cc th tc cho bn c phn
ln u ra cng chng (IPO); ch trong vng 20 ngy (t
30/11/2011), mi cng tc chun b cho IPO BIDV hon
tt theo ng quy nh ca php lut. Kt qu: s lng
cc nh u t t mua gp 1,66 ln so vi lng c phiu
ln u bn ra; Mc gi thnh cng bnh qun l 18.583
ng/c phn vi tng khi lng l 84.754.146 c phn;
Thu v cho Nh nc tng s tin hn 1.575 t ng,...
y l phin u gi thnh cng nht trong iu kin th
trng xu nht, to nim tin cho cc nh u t vo th
trng chng khon trong tng lai. S kin IPO BIDV
c bnh chn l 1 trong 10 s kin tiu biu ca Th
trng chng khon Vit Nam nm 2011.
Cng trong nm 2011, BIDV thnh lp v a vo hot
ng Cng ty u t quc t thng nht qun l hot
ng u t ra nc ngoi ng nh hng, c hiu qu v
thc hin nhim v quyt nh ca Th tng Chnh ph.

TIP TC Y MNH HOT NG BN L, HIN THC


HA MC TIU CHIN LC XY DNG BIDV TR
THNH MT NGN HNG THNG MI BN L
HIN I

10 S KIN NI BT

TIP TC CNG C, PHT HUY VAI TR CH TCH HIP


HI CC NH U T VO CC NC CAMPUCHIA,
MYANMAR V LO; TNG CNG CC HOT NG I
NGOI V KIN TON, BI P UY TN THNG HIU
HIN DIN THNG MI TI CC NC TRONG KHU
VC V QUC T

Vi vai tr u mi trong vic thnh lp v gi v tr Ch


tch Hip hi cc doanh nghip Vit Nam u t sang
Campuchia (AVIC), Myanmar (AVIM), Lo (AVIL), BIDV
cng cc nh u t Vit Nam khng nh c vai tr, uy
tn i vi hot ng xc tin u t ca Vit Nam sang
cc nc Lo, Campuchia, Myanmar; gp phn a u t
FDI ca Vit Nam ng th hai ti th trng Lo, ng th
3 ti th trng Campuchia,... c bit, cc Hip hi u
mi t chc thnh cng nhiu Hi ngh xc tin u t ti
Bc Lo, Nam Lo, Campuchia v Myanmar,... Hot ng
ca cc Hip hi thu c kt qu ng ghi nhn, gp
phn tch cc vo s thnh cng chung ca cc hot
ng chnh tr, ngoi giao, kinh t cp Nh nc ti cc
quc gia b bn, gp phn bo m an ninh quc phng
ca t nc.

Hon thnh ng tin d n hin i ha Ngn hng


giai on 2 do Ngn hng Th gii ti tr; a vo nhiu
ng dng mi nh Internet banking, Mobile banking theo
tiu chun quc t; trn nn tng 20 nm ng dng Cng
ngh thng tin, trong 4 nm lin tc (2007-2010) ng
u Vit Nam v ch s ng dng cng ngh thng tin;...
to nn tin quan trng pht trin hot ng
ngn hng bn l v ngn hng in t.

Cng vi , nm 2011, BIDV t chc khai trng a


vo hot ng Vn phng i din ti Lo, chi nhnh
Ngn hng Lin doanh Lo Vit ti Atap; Cng ty Chng
khon Campuchia - Vit Nam (CVS); Chi nhnh H Ni
v Kampng Chm ca Ngn hng u t v Pht trin
Campuchia (BIDC) v khai trng hot ng Cng ty ti
chnh ti Cng ha Sc. Vic vn hnh hot ng ca cc
n v ny l nhng im ni quan trng, to nn mt h
thng lin thng trong hot ng ngn hng ca BIDV,
h tr tch cc cho hot ng giao thng, u t thng
mi, du lch ca 3 nc ng Dng (Vit Nam, Lo,
Campuchia), cc nc trong khu vc v th gii.

Huy ng vn dn c c bc tin n tng: t 129.204


t ng, tng 29% so vi nm 2010; gp 1,8 ln so vi nm
2009, a t trng huy ng vn dn c trn tng ngun
vn huy ng t 37% nm 2010 ln 45% trn tng ngun
vn huy ng

c bit, trong nm 2011, BIDV tin hnh thc hin vic


tng vn iu l, iu chnh t l s hu ln 65% ti Ngn
hng Lin doanh Lo Vit, tin ti tr thnh ngn hng
Vit Nam u tin c ngn hng con nc ngoi.

y mnh v trin khai trn 50 sn phm dch v, tin ch


mi trn nn tng Cng ngh thng tin hin i, u vit
hng ti phc v ngy cng tt hn nhm khch hng
c nhn, gp phn gia tng hiu qu, ngun thu v tip
tc l Ngn hng c quy m, tng trng dch v ng
u th trng.

Tn dng bn l t mc tng trng cao v n nh vi


d n t hn 38.000 t ng, tng 30% so vi nm 2010.

BO CO THNG NIN 2011

11

10 S KIN NI BT 2011

Tip tc gia tng mng li vi vic


a vo hot ng 5 chi nhnh cp 1
v 26 phng giao dch, tp trung ch
yu ti hai a bn trng im kinh
t trng im l H Ni, TP. H Ch
Minh v Hi Phng, nng tng s chi
nhnh ln 118 v phng giao dch/
qu tit kim ln 526;

T u nm 2010, BIDV ch ng
thc hin ti c cu hot ng mt
cch ton din nhm to ra nhng
chuyn bin mnh m trong hot
ng. Tip ni cc hot ng ti c
cu m hnh t chc, sn phm, cng
ngh, nm 2011, BIDV tip tc thc
hin ti c cu nn vn v s hu vi
tm im l t pht hnh c phiu
ln u ra cng chng (IPO) thnh
cng tt p.

Tip tc thc hin nht qun


quan im tr ho i ng lnh o
cp cao gn vi nng lc, k nng
qun tr, nhit huyt v o c
ngh nghip ca cn b ngn hng,
a tui bnh qun trong Ban
iu hnh ca BIDV t 50 xung cn
44 tui.

I U, TIN PHONG THC HIN


TI C CU HOT NG
NGN HNG

I MI CNG TC CN B,
CHUN B NGUN NHN LC
CHT LNG CAO THC HIN
CC MC TIU HI NHP

10 S KIN NI BT

PHT TRIN V KIN TON MNG


LI HOT NG, NNG CAO
KH NNG PHC V KHCH
HNG MI LC MI NI,
NNG CAO NG K KH NNG
CNH TRANH CA BIDV

BO CO THNG NIN 2011

12

Bn cnh , BIDV cng y mnh


knh phn phi hin i: b sung
thm gn 200 my ATM, nng tng
s my ATM ln 1.295 my phn b
ti khp cc tnh thnh ph trong c
nc, th trng th pht trin n nh
t 9% v th phn s lng th v
10% th phn doanh s s dng th.

Thc hin ch o ca Chnh ph,


Ngn hng Nh nc, BIDV ch
ng h tr thanh khon c hiu qu
cho cc Ngn hng Thng mi C
phn. c bit tham gia vo qu trnh
h tr hp nht 3 ngn hng: Ngn
hng Thng mi Si Gn, Ngn
hng Vit Nam Tn Ngha v Ngn
hng Nht m bo cht ch v
mt php l, bo v quyn li ca
Nh nc trong mi trng hp, bo
v quyn li hp php ca ngi gi
tin, gp phn bnh n th trng v
gp phn tch cc, c ngha quan
trng khi u cho cng cuc ti cu
trc h thng ngn hng thng mi
Vit Nam.

Cng tc quy hoch c


thc hin bi bn theo m hnh 3
cp; quy hoch cn b ch cht v
chuyn gia, o to d ngun di
hn t 10 n 15 nm sau.
y mnh cng tc tuyn dng, tuyn
chn nhn ti vi vic tuyn dng
mi gn 1.000 cn b tr c cht
lng cao t cc trng i hc c uy
tn. c bit ch trng tng cng
cng tc tuyn dng cn b gii theo
v tr, m bo tt cc yu cu hot
ng ngy cng cao ca BIDV.

TIN PHONG THC HIN CHNG


TRNH MC TIU QUC GIA V
GIM NGHO V XY DNG
NNG THN MI

10

BI P, KHNG NH VN HA
DOANH NGHIP, NG LNG V
MI NH CHUNG BIDV

10 S KIN NI BT

KHI XNG, GI VAI TR TCH


CC TRONG CC HOT NG
THC Y PHT TRIN KINH T
X HI TI NHIU A PHNG
TRONG C NC

Khi xng v ng t chc Hi tho


khoa hc Lin kt pht trin 7 tnh
duyn hi min Trung: Sng lp v l
Ch tch Qu nghin cu pht trin
7 tnh duyn hi min Trung, ng
t chc Din n pht trin du lch 7
tnh duyn hi min Trung;... kt ni,
lin kt t nguyn 7 tnh duyn hi
Nam Trung b thc s l im sng,
thit thc em li li ch c th cho
cc a phng.
Tham gia vi vai tr ng t chc v
ti tr nhiu Hi ngh Xc tin u t
nh: Hi ngh Xc tin u t vo cc
tnh Bc Trung b; Trin lm hi ch
thnh tu 10 nm xy dng v pht
trin vng ng bng Sng Cu
Long; Hi ch Lm sn Vit Nam ln
th I; Din n Thng hiu Bin Vit
Nam; Khi xng xy dng v hnh
thnh thng hiu Ngy hi u t
vo u Xun hng nm ti Ngh
An;... gp phn tch cc vo qu trnh
ti cu trc v chuyn dch c cu
kinh t theo hng pht huy ng
tim nng v th mnh ca cc tnh,
thnh, vng v khu vc.

T chc thnh cng Hi ngh tng


kt An sinh x hi ca BIDV giai on
2006-2011 ti 4 nc Vit Nam, Lo,
Campuchia v Myanmar trc s chng
kin v ghi nhn ca lnh o Chnh ph
cc nc. y l ln u tin mt Doanh
nghip Nh nc t chc thnh cng
mt Hi ngh c quy m ln trong cng
tc an sinh x hi mang tm khu vc, to
tin cho vic trin khai cc hot ng
an sinh x hi giai on tip sau.
BIDV trin khai h tr gim ngho
thm 4 huyn, nng tng huyn ngho
c nhn h tr t BIDV ln 10/69
huyn. Ch ng i u trin khai h
tr 4 a phng thc hin chng
trnh Mc tiu quc gia v Xy dng
Nng Thn mi. BIDV tip tc thc hin
cc hot ng tri n, n n p ngha
ngi c cng, cc chin s ni bin gii,
hi o; tng qu tt cho ngi ngho,
tng hc bng nng bc tr ngho,
phu thut tim tr em ngho

Nm 2011, cng trong kh khn,


thch thc, bn lnh, ct cch v tm
lng v mi nh chung BIDV cng
c pht huy v ta sng: 100%
cn b cng nhn vin ng k mua
c phn l mt minh chng r nt
cho tinh thn lm ch, mong mun
cng hin lu di v k vng tt p
ca ngi lao ng i vi tng lai
ca BIDV.
Cc hot ng xy dng vn ha
doanh nghip, rn luyn, hc tp
v lm theo tm gng o c H
Ch Minh tip tc c trin khai
su rng Trong , ni bt l cc
phong tro thi ua lao ng gii,
l cc cuc thi rn luyn k nng
nghip v, l vic phi hp vi cc b
ngnh thc hin tm hiu v t chc
thnh cng Hi tho v Thi gian
hot ng ca Bc H ti Thi Lan,
khnh thnh Khu tng nim Ch
tch H Ch Minh ti tnh Udonthani
- Thi Lan nhn dp k nim 100 nm
ngy Bc ra i tm ng cu nc
(1911 -2011).

BO CO THNG NIN 2011

13

10 S KIN NI BT

CC CH TIU
TI CHNH
5 NM
2007 - 2011

S LIU GIAI ON 2007 - 2011


(Theo Bo co kim ton VAS hp nht cc nm)
TIN GI CA KHCH HNG
V PHT HNH GIY T C GI

n v: t VN

n v: t VN

n v: t VN

5.000

0
2009

2010

2011

0
2007

2008

2009

2010

n v: t VN

n v: t VN

4.000

2007 2008 2009 2010 2011

2.000
1.000

2011

2.368

3.605

3.000

2.028

206.402

150.000

160.983

225.000

293.937

300.000
254.192

5.000
4.626

LI NHUN TRC THU

375.000

203.298

50.000

4.220

2008

181.048

100.000

D N CHO VAY KHCH HNG


TRC DPRR

75.000

24.390

150.000

0
2007

200.000

141.857

10.000

13.484

296.432

15.000
11.635

100.000

204.511

200.000

246.520

300.000

24.220

20.000

250.000

17.639

400.000
405.755

25.000

366.268

500.000

244.838

VN CH S HU

251.924

TNG TI SN

131.984

BO CO THNG NIN 2011

14

0
2007 2008 2009 2010 2011

2007

2008

2009

2010

2011

10 S KIN NI BT

MT S GII THNG
TIU BIU 2011
BIDV L 01 TRONG S 42 THNG HIU C
BNH CHN TI CHNG TRNH THNG HIU
QUC GIA, CHNG TRNH DUY NHT DO
CHNH PH VIT NAM TIN HNH VI
MC CH QUNG B HNH NH QUC GIA,
THNG HIU QUC GIA THNG QUA
THNG HIU V SN PHM.

BO CO THNG NIN 2011

15

TNG QUAN BIDV 2011

MT S
GII THNG
TIU BIU
2011

BO CO THNG NIN 2011

16
16
GII THNG
TRONG NC

GII THNG
QUC T

SN PHM,
CNG NGH

TOP 20 THNG HIU


MNH VIT NAM

NGI SAO QUC T


V CHT LNG - BID

GII THNG
SAO KHU 2011

Nm 2011, BIDV c B Cng


thng phi hp Thi bo kinh t
Vit Nam trao tng gii thng Top
20 Thng hiu mnh Vit Nam 2011
la chn t hn 200 doanh nghip
tham gia. y l gii thng thng
nin c cng ng doanh nghip
nh gi cao, v nhn c s tn
thnh ca ng o cng chng.

Vi gii thng Ngi sao quc t


v cht lng nm 2011 do t chc
nh hng sng kin doanh nghip
(BID) trao tng, BIDV c ghi
nhn l mt trong nhng ngn hng
hng u ti Vit Nam ang tip tc
hng tm khu vc. Gii thng ny
c cng nhn ti nhiu quc gia
trn th gii.

Nm 2011, BIDV cng l 01 trong s


t ngn hng c nhn gii thng
Sao Khu 2011- gii thng chuyn
dnh cho nhng sn phm, dch v
vt tri trong lnh vc cng ngh
thng tin. V sn phm BIDV c
chn trao tng l sn phm phn
mm Cng thanh ton chng khon
trc tuyn (BIDV@Securities): c
bnh chn v nh gi 4 sao v gii
thng phn mm u vit trong
nhm sn phm lin quan n lnh
vc Ngn hng - Ti chnh

TOP 20 NHN HIU NI


TING NHT VIT NAM
BIDV cng c ghi nhn l Ngn
hng nm trong Top 20 nhn hiu
ni ting nht Vit Nam 2011. Gii
thng do Cc s hu tr tu, Hi S
hu tr tu Vit Nam phi hp vi cc
B, Ngnh chc nng trao tng. Quy
trnh xt gii thng cng khai, minh
bch v c nghin cu t m mt
cch chuyn nghip, hin i.

BO CO THNG NIN 2011

C CU T CHC, NHN S

C CU T CHC
NHN S

17

M HNH T CHC
H THNG BIDV
Ban Kim sot

C CU T CHC, NHN S

Hi ng CNTT

BO CO THNG NIN 2011

18

Hi ng ALCO

Ban Quan h khch hng


Doanh nghip

Ban Pht trin ngn hng


bn l

Ban u t

Ban Qun l chi nhnh

Ban nh ch ti chnh

Trung tm Th

Ban Vn & Kinh doanh vn

Ban Pht trin sn phm &


Ti tr thng mi

Khi Cng ty

Khi Ngn hng Thng mi

Hi ng qun tr
Hi ng x l ri ro
Hi ng qun l tn dng

C CU T CHC, NHN S

Cc y ban, Hi ng
Cc y ban/H
Hi ng tn dng

Ban Qun l ri ro tn dng

Trung tm Thanh ton

Ban K ton

Vn phng

Ban Qun l ri ro th
trng & Tc nghip

TT. Dch v khch hng

Ban Ti chnh

Ban T chc cn b

Ban Qun l tn dng

TT. Tc nghip & Ti tr


thng mi

Ban TTQL v H tr ALCO

Ban K hoch pht trin


Ban Php ch

Khi n v trc thuc

Khi Lin doanh

Ban Qun l d n
C phn ha

Ban Thng hiu &


Quan h cng chng

VPD ti Myanmar

Ban Qun l ti sn
ni ngnh

VPD ti Campuchia

Ban Qun l cng trnh


pha Bc

VPD TP. H Ch Minh

Ban Qun l cng trnh


pha Nam

VPD nng

Ban Cng ngh

TT. Cng ngh thng tin

Vn phng Cng on

Trng o to

Vn phng ng y

19
BO CO THNG NIN 2011

Ban Tng gim c


v K ton trng

C CU T CHC, NHN S
BO CO THNG NIN 2011

20

HI NG
QUN TR

ng

TRN BC H (*)
Ch tch
r
r
r
r
r

4JOION
$OIOJID5JDIOI,UPO
5SOI2VOUS,JOIEPBOIDBPDQ
#UVMNWJDUJ#*%7UON
DCOIJNM$IUDI)25U
thng 1 nm 2008
r )JOOBZOH)DOHLJN$I
tch Hi ng Qun tr cc cng ty:
Cng ty TNHH u t v Pht trin
Campuchia (IDDC), Cng ty u t
v Pht trin Myanmar (MIDC), Cng
ty TNHH hai thnh vin u t pht
trin quc t (IIDC)
r 5OHHJDDDIDWOI5OH(JN
c BIDV, Ph Tng Gim c BIDV
v Gim c Chi nhnh BIDV Bnh
nh, tng kim gi cc chc v nh:
Gim c S giao dch III ca BIDV,
Gim c Cng ty Qun l n v Khai
thc ti sn BIDV, Gim c Cng ty
Chng khon BIDV
(*) Gi chc Ch tch HQT Ngn hng
TMCP BIDV t ngy 1/5/2012

C CU T CHC, NHN S

ng

ng

TRN ANH TUN

NGUYN TRUNG HIU

r 4JOION
r $OIOJID5JDIOI,UPO 
Chng ch cao hc Kinh t, Thc s
Qun tr Kinh doanh
r 5SOI2VOUSLJOIEPBOIDBPDQ
r #UVMNWJDUJ#*%7UON
r -ZWJO)25LJN5OHHJN
c ca BIDV t thng 1 nm 2008
r 5OHHJDDDIDWOI1I
Tng Gim c BIDV, Gim c Chi
nhnh BIDV ti Gia Lai - Kon Tum

r 4JOION
r $OIOJID/HOIOH5IOI
ph H Ch Minh, Chng ch
Cao hc Kinh t, Thc s Qun tr
Kinh doanh
r $IOHDI2VOUS,JOIEPBOI
cao cp
r #UVMNWJDUJ#*%7UON
r -ZWJO)25#*%7UUIOH
nm 2007
r )JOOBZOH)JVDOHLJNZ
vin Hi ng Qun tr Qu Tn
dng Nhn dn Trung ng, Ch
tch Hi ng Qun tr Cng ty Lin
doanh thp BIDV, Ch tch cng ty
cho thu ti chnh BIDV
r 5OHHJDIDW1I5OHHJN
c BIDV, Gim c Chi Nhnh
BIDV Nng

U vin HQT kim Tng gim c

y vin thng trc

BO CO THNG NIN 2011

21

C CU T CHC, NHN S
BO CO THNG NIN 2011

22
ng

ng

HONG HUY H

L O NGUYN

r 4JOION
r 5JOT,JOIU
r $IOHDI2VOUS,JOIEPBOI
cao cp
r #UVMNWJDUJ#*%7UON
r DCOIJNMZWJO)25
ca BIDV t thng 6 nm 2011
r )JOOBZOH)DOHLJN$I
tch HQT Cng ty chng khon
BIDV, U vin Ban chp hnh ca
VCCI, Ph Ch tch HQT Cng ty
c phn Bc Thng Long, U vin
HQT Cng ty CP Ch to gin
khoan du kh...
r 5OHHJDDDIDWOI1I
Tng Gim c BIDV, Gim c S
Giao dch II ca BIDV, Gim c Chi
nhnh BIDV Bnh Dng, Gim c
Chi nhnh BIDV Sng B

r 4JOION
r ,TJID,UIVU#36/05JQ
Khc, Chng ch Cao hc Kinh t, Thc
s Qun tr Kinh doanh
r $IOHDI2VOUS,JOIEPBOIDBPDQ
r #UVMNWJDUJ#*%7UON
r DCOIJNM6WJO)25U
thng 10/2010
r )JOOBZ OH/HVZODOHLJN
Ch tch Cng ty TNHH 1 thnh vin
qun l n v khai thc ti sn BIDV
(BAMC), Ch tch HQT Cng ty C
phn u t ti chnh BIDV (BFI),
UV HQT Cng ty C phn chuyn
mch ti chnh quc gia, Ch tch
HQT Ngn hng u t v pht
trin Campuchia (BIDC), y vin Hi
ng Qun tr Cng ty TNHH u t
v Pht trin Campuchia (IDDC), Ph
Ch tch Cng ty u t v pht trin
Myanmar (MIDC), Cng ty LD qun l
qu BIDV - Vit Nam Partners (BVIM)
r 5OHHJDDDIDWOI1I5OH
Gim c BIDV, Gim c S giao dch
BIDV, Trng phng Bo lnh BIDV,
Trng phng Thm nh BIDV.

U vin

U vin

C CU T CHC, NHN S

ng

ng

NGUYN HUY TA

NGUYN KHC THN

r 4JOION
r ,TJID9ZEOHW,JOUSD
Sofia - Bulgaria, Chng ch Cao hc
Kinh t, Thc s Qun tr Kinh doanh
r 5SOI2VOUSLJOIEPBOIDBPDQ
r #UVMNWJDUJ#*%7UON
r -ZWJO)25#*%7UUIOH
10 nm 2006, y vin HQT kim
Trng ban kim sot BIDV t thng
12 nm 2006
r )JOOBZ OH5BMJEJOQIO
vn gp ca BIDV ti cc Cng ty c
phn: Nhit in du kh Nhn Trch,
in Vit - Lo
r 5OHHJDDDIDWOI(JND
S giao dch III BIDV, Gim c Ban
Qun l Tn dng, Trng phng tn
dng Tr S chnh BIDV, Ph Gim
c Chi nhnh BIDV Thng Long, Ph
Gim c S giao dch BIDV

r 4JOION
r $OIOJID5JDIOI,UPO 
Chng ch Cao hc Kinh t
r #UVMNWJDUJ#*%7UON
r -ZWJO)25#*%7UUIOH
nm 2008
r 5OHHJDDDIDWOI1I
Tng gim c BIDV, Gim c S
giao dch BIDV, Ph gim c S
Giao dch BIDV, Gim c Ngn
hng Nh nc Bc Ninh, Ph gim
c Chi nhnh BIDV Bc Ninh

U vin HQT kim Trng ban Kim sot

U vin

BO CO THNG NIN 2011

23

C CU T CHC, NHN S
BO CO THNG NIN 2011

24

BAN
KIM SOT

ng

NGUYN HUY TA (*)

U vin HQT kim Trng ban Kim sot


(*) Xem phn gii thiu HQT

C CU T CHC, NHN S

ng

TRN VN B (*)

ng

Ph trng ban Thng trc

Thnh vin chuyn trch

CAO C TR

NGUYN TH TM

r
r
r
r

r 4JOION
r $BPDQOHIJQW/HOIOH 
Thc s i Hc Kinh t quc dn
r #UVMNWJDUJ#*%7UON
r DCOIJNM5IOIWJO
chuyn trch Ban Kim sot t ngy
26/03/2009
r 5OHHJDIDW1I(JND4
giao dch III BIDV

r 4JOION
r JID)OH)J 5IDT)DWJO
Ngn hng
r #UVMNWJDUJ#*%7UON
r DCOIJNM5IOIWJO
chuyn trch Ban Kim sot t ngy
26/03/2009

4JOION
5IDTLJOIU
#UVDOHUDUJ#*%7UON
DCOIJNM1IUSOH#BO
thng trc Ban Kim sot t ngy
15/04/2011
r 5OHHJDIDW(JND$IJ
nhnh BIDV ng Thp
(*) Gi chc Trng ban Kim sot
Ngn hng TMCP BIDV t ngy
1/5/2012

Thnh vin chuyn trch

BO CO THNG NIN 2011

25

C CU T CHC, NHN S
BO CO THNG NIN 2011

26

BAN
IU HNH

ng

TRN ANH TUN (*)

U vin HQT kim Tng gim c


(*) Xem phn gii thiu HQT

C CU T CHC, NHN S

ng

PHAN C T (*)

ng

Ph tng gim c

Ph tng gim c

TRN QU TRUNG

PHAN TH CHINH

r 4JOION
r $OIOLJOIUJID/HO
hng, Thc s Qun tr kinh doanh
r #UVMNWJDUJ#*%7UON
r DCOIJN1I5OHHJND
BIDV t thng 6 nm 2007.
r )JOOBZOH5DOHLJN1I
Ch tch HQT Ngn hng lin
doanh Lo - Vit, U vin HQT
Cng ty TNHH u t v pht trin
Campuchia (IDDC)
r 5OHHJDDDIDW(JND#BO
T chc cn b BIDV, Gim c Chi
nhnh BIDV Qung Ngi

r 4JOION
r ,TJID9ZEOH $OIO
i hc Kinh t Quc dn, Chng
ch Cao hc Kinh t
r #UVMNWJDUJ#*%7UON
r DCOIJNM1I5OH(JN
c t thng 8 nm 2004
r OH5SVOHLJNZWJO)25
Ngn hng Lin doanh VID-Public,
U vin Hi ng Hip hi ngn
hng Vit Nam
r 5OHHJDDDIDWOI(JN
c Ban T chc cn b BIDV,
Trng phng Bo lnh Tr s
chnh BIDV

r 4JOION
r $OIODBPOH/HOIOH $
nhn i hc Kinh t, Thc s Qun
tr Kinh doanh
r #UVMNWJDUJ#*%7UON
r DCOIJNM1I5OH(JN
c t thng 6 nm 2007
r )JOOBZ #$IJOIDOHLJNZ
vin HQT Cng ty Lin doanh
thp BIDV
r 5OHHJDIDW(JND#BO5J
chnh BIDV

(*) Gi chc Tng gim c Ngn


hng TMCP BIDV t ngy 1/5/2012

Ph tng gim c

BO CO THNG NIN 2011

27

C CU T CHC, NHN S
BO CO THNG NIN 2011

28
ng

ng

ng

TRN THANH VN

PHM QUANG TNG

QUCH HNG HIP

r
r
r
r

r 4JOION
r $OIOJID-VU ,TJID
Bch khoa H Ni
r #UVMNWJDUJ#*%7UON
r DCOIJN1I5OHHJND
BIDV t 16/10/2010
r )JOOBZOH5OHDOHLJN$I
tch HQT Tng Cng ty bo him
Ngn hng u t v Pht trin
Vit Nam
r 5OHHJDDDIDW1I(JN
c Ban Tn dng BIDV, Ph Gim
c S giao dch (I) BIDV, Gim c
Cng ty Bo him Ngn hng u
t v Pht trin Vit Nam, Tng
Gim c Tng Cng ty bo him
Ngn hng u t v Pht trin
Vit Nam

r 4JOION
r $OIOJID/HOIOH $
nhn i hc Ngoi ng, C nhn
Lut i hc Quc gia, Thc s
qun tr kinh doanh
r #UVMNWJDUJ#*%7UON
r DCOIJN1I5OHHJND
BIDV t 16/10/2010
r 5OHHJDDDIDW1I5OH
Gim c Ngn hng Lin doanh
Lo - Vit, Ph Gim c Ban/Gim
c Ban Ngun vn v kinh doanh
tin t BIDV, Ph Gim c S giao
dch (I) BIDV, Gim c S giao dch
III BIDV

Ph tng gim c

4JOION
,TJIDCDILIPB/OH
#UVMNWJDUJ#*%7UON
DCOIJNM1I5OH(JN
c ca BIDV t thng 9 nm 2008
r )JOOBZ OH7OLJN$IUDI
HQT Cng ty c phn pht trin
ng cao tc BIDV, kim Tng
Gim c Cng ty TNHH hai thnh
vin u t pht trin Quc t (IIDC)
r 5OHHJDDDIDW(JND$IJ
nhnh BIDV Nng, Ph Gim
c Chi nhnh BIDV Nng, Ph
Gim c Chi nhnh Ngn hng
u t Xy dng tnh Qung Nam
Nng

Ph tng gim c

Ph tng gim c

C CU T CHC, NHN S

ng

ng

PHM C N

TRN LC LANG

T TH HNH

r 4JOION
r $OIOJID-VU $OIO
i hc KTQD, Thc s Qun tr
Kinh doanh
r #UVMNWJDUJ#*%7UON
r DCOIJNM1I5OH(JN
c t 1/6/2011
r )JOOBZOHODOHLJN1I
Ch tch HQT Cng ty CP cho
thu my bay
r 5OHHJDIDW(JND#BO
Php ch, Gim c Chi nhnh
BIDV Hng Yn

r 4JOION
r ,TJID#DILIPB/OH 
C nhn i hc Kinh t v QTKD
Nng, Chng ch bi dng sau
i hc
r #UVMNWJDUJ#*%7UON
r DCOIJN1I5OHHJND
BIDV t 01/06/2011
r 5OHHJDDDIDW1I(JN
c Chi nhnh BIDV Bnh nh,
Gim c Chi nhnh BIDV Ph Ti

r 4JOION
r 5SOIIDWO$OIO$BP
ng Ngn hng, C nhn Hc vin
Ti chnh, C nhn Lut, Thc s
kinh t
r #UVMNWJDUJ#*%7UON
r DCOIJNM,UPOUSOH
t 01/06/2011
r 5OHHJDIDW1I(JND4
giao dch BIDV

Ph tng gim c

Ph tng gim c

K ton trng

BO CO THNG NIN 2011

29

C CU T CHC, NHN S

O TO V
PHT TRIN
NGUN NHN LC
S LNG LAO NG CA BIDV GIAI ON 2009 - 2011
20.000
1.172
16.691

10.000

16.475

15.000

14.550

BO CO THNG NIN 2011

30

S lao ng ti tr s chnh
v cc chi nhnh

5.000
0
2009 2010 2011

S lao ng ti khi cc cng ty,


trung tm, vn phng i din

N CUI NM 2011, TNG S LAO NG CA BIDV L

TRONG MI HOT NG, CON NGI


BAO GI CNG L YU T MANG TNH
QUYT NH. THC TIN PHT TRIN
KINH T KHNG NH NGUN LC
CON NGI L YU T NI SINH NNG
NG, QUYT NH LI TH CNH
TRANH DI HN I VI MT DOANH
NGHIP, MT VNG KINH T V CA
C MT QUC GIA. NHN THC SU
SC V IU , TRONG GIAI ON
VA QUA, BIDV KHNG NGNG
PHT TRIN, NNG CAO CHT LNG
NGUN NHN LC V XC NH Y
L MT CHNH SCH QUAN TRNG
TRONG CHIN LC KINH DOANH.

17.863 NGI; TRONG

16.691 NGI;
KHI CC CNG TY, TRUNG TM, VN PHNG I DIN L 1.172 NGI
TI TR S CHNH V CC CHI NHNH L

C CU T CHC, NHN S

Cng vi s tng trng v mt s


lng, cht lng ngun nhn lc
ca BIDV nm qua cng tip tc c
bc pht trin ng k, vi s lng
cn b c trnh i hc v trn i
hc t 86,4%, tng 1,1% so vi nm
2010; kh nng qun tr iu hnh,
kh nng nm bt cng ngh ngn
hng hin i, kh nng thch ng
v hot ng trong th trng cnh
tranh c ci thin r rt.
CNG TC TUYN DNG CA BIDV
TIP TC C CI THIN C V NI
DUNG, HNH THC: Nm 2011 l nm
u tin BIDV tuyn dng tp trung
mt cch bi bn i vi ton b cc
chi nhnh trong h thng, c phn
chia theo tng khu vc a l m
bo tt c cc th sinh c nhu cu,
iu kin d thi vo BIDV u c
tham gia k thi. iu ny m
bo tnh cng khai, minh bch, cng
bng, to n tng tt i vi x hi
ni chung v cc th sinh ni ring;
ng thi gip cho BIDV thu ht v
tuyn chn c mt i ng cn b
c cht lng cao t khp mi min
ca t nc.

CNG TC O TO: i ng nhn s


ca BIDV thng xuyn c o to
v o to li, cp nht kin thc v
thc tin kinh doanh mi; rn luyn
k nng nghip v; nng cao trnh
chuyn mn, ngoi ng v cc
k nng mm b tr cho hot ng
chuyn mn. Trong nm 2011, BIDV
t chc o to 30.970 lt hc
vin; ng thi c 770 lt hc vin
tham gia cc chng trnh o to, hi
tho do cc c s o to, i tc bn
ngoi t chc.
CNG TC QUY HOCH, B NHIM,
B NHIM LI: c thc hin mt
cch bi bn, ng quy trnh, quy
nh, theo nguyn tc tp trung dn
ch, m bo la chn c i ng
cn b ph hp tiu chun, m bo
c v c s v cht lng, to c
s thng nht cao trong n v. c
bit vi vic y mnh tng cng
bit phi cn b lnh o t Tr s
chnh v cc n v c ngun cn b
b sung nng lc lnh o cho
cc n v cn thiu ngun cn b
ti ch, ng thi kt hp thc hin
lun chuyn o to cn b

gp phn tch cc trong vic nng


cao trnh , nng lc qun l iu
hnh cho cn b lnh o v trnh
chuyn mn nghip v cho i
ng cn b. Nm 2011, BIDV thc
hin quy hoch mi i vi 1024 cn
b; quy hoch ng chc 624 cn
b; b nhim mi 432 cn b v b
nhim li 612 cn b.
V CH I NG V KHEN
THNG: BIDV thc hin nghim tc
cc ch , chnh sch ca Nh nc
i vi ngi lao ng, to iu kin
ti a nng cao i sng vt cht,
tinh thn ca ngi lao ng; ng
thi hng nm BIDV t chc bnh xt,
tn vinh v cp c thm quyn
khen thng, ng vin kp thi cc
tp th, xut sc ng gp tch cc
cho cc hot ng ton h thng.
Hin ti, BIDV ang thc hin xy
dng c ch phn phi tin lng
mi sau c phn ho, khi ch
dnh cho ngi lao ng ti BIDV tip
tc c ci thin v ngy cng cnh
tranh trn th trng lao ng.

BO CO THNG NIN 2011

31

C CU T CHC, NHN S

PHT TRIN MNG LI


TRONG V NGOI NC

BO CO THNG NIN 2011

32

PHT TRIN MNG LI


TRONG NC

PHT TRIN MNG LI


TI NC NGOI

Nm 2011 mc d c nhiu kh khn


trong cng tc pht trin mng li
nhng vi s ch o kp thi ca Ban
lnh o cng nh n lc ca cc chi
nhnh, BIDV t c mt s kt
qu kh quan l:
L ngn hng c mng li m
ln nht trong nm 2011 vi 05 chi
nhnh (CN Bn Thnh, Ch Ln,
Ph Nhun, TP Hng Yn, ng Hi
Phng),trong c 03 chi nhnh ti
a bn Tp H Ch Minh; ng thi
BIDV m mi thm 27 PGD trn
ton quc
n 31/12/2011, tng s mng li
hot ng ca BIDV l 644 im,
trong gm 118 chi nhnh (bao
gm c 2 chi nhnh Bn thnh v
ng Hi Phng i vo hot ng t
1/1/2012), 376 PGD v 150 QTK.

Cng vi vic pht trin mng li


ngn hng trong nc, nm 2011,
BIDV t chc khai trng a vo
hot ng Vn phng i din ti Lo,
chi nhnh Ngn hng Lin doanh Lo
Vit ti Atap; Cng ty Chng khon
Campuchia - Vit Nam (CVS); Chi nhnh
H Ni v Kampng Chm ca Ngn
hng u t v Pht trin Campuchia
(BIDC) v khai trng hot ng Cng
ty ti chnh ti Cng ha Sc. Vic vn
hnh hot ng ca cc n v ny l
nhng im ni quan trng, to nn
mt h thng lin thng trong hot
ng ngn hng ca BIDV, h tr tch
cc cho hot ng giao thng, u t
thng mi, du lch ca 3 nc ng
Dng (Vit Nam, Lo, Campuchia), cc
nc trong khu vc v th gii.
c bit, trong nm 2011, BIDV tin
hnh thc hin vic tng vn iu
l, iu chnh t l s hu ln 65% ti
Ngn hng Lin doanh Lo Vit, tin ti
vic tr thnh ngn hng Vit Nam u
tin c ngn hng con nc ngoi.

2010

ATM

2011

400
349

7.000

376

5.000
4263

4.000

200
100

6203

6.000

312

300

POS

108

113

118

110

130

150

3.000
2.000
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1000 1055

1100

1295

0
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PGD

Biu 1: Mng li truyn thng ca BIDV 3 nm 2009 - 2011


Trong 3 nm 2009-2011, BIDV trin
khai trang b thm 300 ATM, ring
nm 2011 l gn 200 my ATM, nng
tng s ln 1.295 my. S lng POS
cng tng ln ng k t 4.263 POS
nm 2010 ln 6.203 POS nm 2011.
r.OHMJ#*%7DCDQIU
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li tng trng 7% trong khi tc
tng trng quy m hot ngcng
mc tng ng. Cng vi tng
trng v s lng, cht lng hot
ng ca cc im mng li cng
c BIDV t ln hng u. Vi
phng chm Hiu qu kinh doanh
v an ton hot ng trong cng tc
pht trin mng li,vic m rng
mng li lun gn lin vi nng cao
cht lng, hiu qu hot ng; m
bo kh nng qun l, kim sot ri
ro v qun tr iu hnh.

2009

QTK

2010

2011

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r$IUSOHQIUUSJONOHMJ
hng ti y mnh cc dch v
ngn hng bn l. Xc nh y l
hot ng ct li ca cc PGD c
m mi trong giai on ny, BIDV
tp trung u tin pht trin mng
li ti cc a bn khu vc trng
im pha Bc, pha Nam (c bit
TP. H Ni v TP. H Ch Minh); cc
thnh ph ln, th x c tim nng
pht trin hot ng NHBL.Tng
bc hnh thnh mng li Phng
giao dch/QTK chuyn phc v
khch hng c nhn.
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nm 2011, BIDV tp trung m
rng mng li ATM, POS ti cc
vng kinh t trng im chim
lnh a bn kinh t pht trin, trung
tm thng mi, khu vc dn c
ng c ng thi tng bc
quy hoch pht trin mng li ATM

33

theo cm, pht trin cc Autobank


tng cng qung b, phc v
khch hng thun li ng thi hn
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iu hnh hot ng ca cc im
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li. Ch ng xy dng chng
trnh phn mm chit xut s liu
cc n v trc thuc PGD, QTK
phc v cho cng tc nh gi hiu
qu hot ng cc im mng li.
ng thi, xy dng ch ti khen
thng v x l trong cng tc PTML,
gn kt qu hot ng ca cc im
mng li vi c ch phn phi thu
nhp, to ng lc mnh m trong
vic nng cao cht lng v hiu qu
hot ng ca cc im mng li.

BO CO THNG NIN 2011

2009

C CU T CHC, NHN S

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