Tnh hnh huy ng vn

Ngn hng thng mi c phn

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Gii thiu v Ngn hng TMCP Sacombank

C cu vn huy ng
Cc sn phm huy ng
S liu huy ng vn (& t trng) cc nm
Cc gii php gia tng vn huy ng

1. GII THIU TNG QUAT

Qu trnh hnh thnh v pht trin
Ra i trong thach thc (1991 1995)
Tin phong i mi (1996 2000)
Vn cao - i xa (2001 2005)
Khng inh vi th (2006 2010)

CAC S KIN TIU BIU NM 2011

22/02 Khai trng chi nhanh Ph Tho va Thai Nguyn

03/03 Khai trng Trung tm Dich vu Quan l tai san
Sacombank Imperial.
29/03 Pho th tng Lao thm va lam vic tai Sacombank

 30/03 Ky kt hp ng
vay vn vi FMO

07/04 Lanh ao Tp.HCM

thm Sacombank Phnm Pnh

14/04 Trin khai

thanh cng Data Warehouse

 05/10 - Thnh lp Ngn hang 100%

vn nc ngoai tai Campuchia

26/10 Chinh thc tng vn

iu l ln 10.740 ty ng

20/12 Hun chng Lao ng

hang Ba cua Chu tich Nc

2. C cu huy ng vn Ngn hng

Thng mi c phn

C cu vn huy ng ca NHTM
Vng , bc , ngoi t
Tin gi
thanh ton

Tin gi
tit kim ca
dn c

Hnh thc tin gi

Tin gi ca cc
ngn hng khc

Tin gi c k hn
ca doanh nghip
& TCKT, TCXH

C cu vn huy ng ca NHTM

Vay NHNN

Vay NHTM, cc t
chc tn dng khc

Ngun vn i vay
Vay trn th
trng vn

C cu vn huy ng ca NHTM
Vn u thc

Ngun vn trong
thanh ton c
hnh thnh

Cc ngun vn khc

Vn tip nhn

Cc khon thu
cha np,
lng cha tr

3. CC SN PHM HUY NG VN
Khng k hn

Ngun vn
huy ng tin gi

C k hn

Tit kim

Cc sn phm
huy ng vn

Pht hnh
chng t c gi
Ngun vn vay
Vay ca cc ngn
hng v cc trung
gian ti chnh khc

3. CC SN PHM HUY NG VN

1. NGUN VN HUY NG TIN GI

a. Tin gi khng k hn:
C th rt ra bt k lc no
Mc ch: thanh ton
Chi ph thp
Huy ng cc doanh nghip ln gi tin

Cc sn phm tiu biu ca

C nhn
Ti khon hoa li
i tng m ti khon: Khch hng c nhn giao dch ti
Sacombank Chi nhnh Hoa Vit v cc PGD trc thuc chi
nhnh
c cng thm li sut thng bc thang, u i ph khi
pht hnh th Unionpay v ph InternetBanking.
Min ph thng nin nm u tin v gim 50% ph
thng nin trong nm th 2 khi s dng th Union Pay.
Gim 20%-25% ph xc thc Token hoc SMS khi s dng
dch v Internet banking.

Cc sn phm tiu biu ca

Ti khon u c:
i tng gi tin: khch hng gi tin ti
chi nhnh sacombank 8/3 h ni v tphcm.
Min ph thng nin nm u tin khi s
dng th Sacom Plus.
Vi mc s d tin gi bnh qun trong thng
t 10 triu ng tr ln, ch ti khon s
hng thm li sut thng do Sacombank
quy nh.

 Doanh nghip

Tin gi thanh toan Hoa Vit (Tn tm phc v)

Dnh cho t chc ngi i din l ngi Hoa m
ti Sacombank Hoa Vit v cc PGD trc thuc CN
Hoa Vit.
Li sut: c hng li sut thng nu s d
trn ti khon vt qu s d quy nh
Min ph xc nhn s d, ph qun l ti khon
An ton v bo mt.

b. Tin gi c k hn
c rt ra sau k hn tha thun
Mc ch: ly li
NH mong mun m rng khon vn ny

Cc sn phm tiu biu ca

C nhn
Tin gi Tng Lai
T ng trch tin hng thng t ti khon tin gi thanh
ton (TK TGTT) chuyn vo ti khon tin gi Tng lai (TK
TGTL)
T ng chuyn ton b vn v li ca TK TGTL vo TK TGTT
khi kt thc k hn gi.
TK TGTL khng b tt ton trc hn, khng b pht likhi
n k trch tin m TK TGTT khng c hoc khng tin.
c ng k t ng v min ph dch v nhn tin nhn
nhc nh k gp v s d tch ly c ca TK TGTL
Khch hng m TK TGTL c s tin mc tiu t 50 triu
ng tr ln c Sacombank tng bo him Nhn th ca
Cng ty Bo him Nhn Th Prevoir Vit Nam vi s tin
bo him ln ti 800.000.000/KH.

c. Tin gi tit kim

L loi tin gi dnh
Khch hng chnh l tng lp dn c
Gi c hng li
Cc sp tiu biu:
Tit kim c k hn:

Cc sn phm tiu biu ca

Tit kim Ph ng:
i tng: c nhn t 0 n 15 tui (ng tn trn th tit
kim)
Mc ch: gip tr thc hnh bi hc v: thc tit kim;
kim sot chi tiu; v bit lp k hoch ti chnh c nhn.
c im:

Gi tin khng gii hn s ln trong k hn gi.

Linh hot ngy gi tin.
Ch ng s tin np.
Tin li khi np tin qua Internet banking hoc ATM.
c nhn li sut c k hn v li sut iu chnh
tng/gim ngay khi th trng thay i li sut.

2. NGUN VN VAY
a. Pht hnh chng t c gi
Ngn hng ch ng pht hnh k phiu ngn
hng huy ng vn. C 2 phng thc:
Pht hnh theo mnh gi
Pht hnh bng hnh thc chit khu

b. Vay ca cc ngn hng v cc trung gian ti

chnh khc :
Vay qua th trng lin ngn hng, khai thc
cc khon vn nhn ri t cc ngn hng, t
chc ti chnh tn dng khc.
iu ha nhu cu vn kh dng v m bo
ngun vn lu chuyn thng sut lin tc
trong h thng ngn hng.

3. S liu huy ng vn
(& t trng) trong cc nm
2008

2009

2010

2011

Tng ti sn

67.469

98.474

141.799

140.137

Vn ch s hu

7.638

10.289

13.633

14.224

Trong vn iu l

5.116

6.700

9.179

10.740

Tng vn huy ng

58.635

86.335

126.204

111.513

Tng d n cho vay

33.708

55.497

77.486

79.429

S liu ti chnh Sacombank t 2008 n 2011

Ngun : Sacombank

Tin gi ca khach hng

S liu huy ng vn STB 2011

6%

5% 4%

2%
Tin gi ca cac t chc tn dng
Tin vay t cac t chc tn dng
Vn nhn t chnh ph, cac t
chc quc t v cac t chc khac

83%

Khon n Chnh ph v NHNN

S liu huy ng vn
ACB 2011

S liu huy ng vn
CTG 2011
4%

9%

0%

7%

0%

3%

15%

14%
66%
82%

Tin gi KH

Tin
TCTD gi

Vay TCTD

Vn nhn
t CP

N CP
& NHNN

Tng

2010

90.918.837

12.886.820

15.476.345

2.102.704

4.819.974

126.204.680

2011

92.416.635

6.277.167

6.163.815

4.526.227

2.129.609

111.513.453

Q3 - 2012

106.685.840

2.056.954

5.246.499

CTG

Tin gi KH

Tin
TCTD gi

Vay TCTD

Vn nhn
t CP

N CP
& NHNN

Tng

2010

216.420.456

26.479.468

8.908.582

44.973.127

43.220.678

340.002.311

2011

267.529.888

58.222.970 16.195.943

38.543.479

27.293.733

407.786.013

Q3 - 2012

56.991.229

23.351.382 38.221.840

38.449.773

372.348

157.386.572

ACB

Tin gi KH

Tin
TCTD gi

Vay TCTD

Vn nhn
t CP

N CP
& NHNN

Tng

2010

143.184.604

28.174.155

379.768

9.451.677

181.190.204

2011

191.326.899

34.782.382

332.318

6.530.305

232.971.904

Q3 - 2012

161.373.057

15.141.523

4.805.141

5.751.974

187.071.695

STB

113.989.293

Tin gi khch hng

STB 2011

1%

19%

13%

7%

Tin gi thanh toan

Tin gi c k hn
Tin gi tit kim
Tin k qu
Chng ch tin gi

60%

Tin gi khch hng CTG 2011

Tin gi khch hng ACB 2011

3% 4%
8%
17%

26%

24%

12%

3%

52%
51%

4. Cc gii php huy ng vn

Li th ca

--

Cc gii php huy ng vn

Mng li cc chi nhnh

rng khp trn ton quc

1. LI TH CA
SACOMBANK

Uy tn thng hiu
lu nm

Nhiu hoat ng
quang b thng hiu

BIN PHAP KINH T

2. CC GII PHAP GIA TNG VN

HUY NG TI SACOMBANK

BIN PHP
K THUT

BIN PHAP
TM L

BIN PHP KINH T

Chnh sch
li sut huy
ng hp
dn

T chc
khuyn mi
tng qu

a ra cc sn phm ph
hp vi tng i tng
khch hng c th

Th tin
ch dnh
cho sinh
vin

Cung cp sn phm trn gi,

m bo tnh hiu qu i
vi khch hng v ngn hng

Gi ti
khon tin
gi iMax

Cc gi dch v
ti chi nhnh
8/3: gi tin
gi thanh ton
u C )

BIN PHAP K THUT

Nhng gii php mang tnh cht cng ngh,
tng tin ch phc v khch hng.
Nhng gii php nng cao trnh nghip v
ca nhn vin, trc tip hay gin tip tham gia
vo cng tc huy ng vn.
V d : p dng dch v internet banking ,
mobile banking nhm tng tin ch phc v,
tit kim thi gian cho khch hng.

BIN PHP TM L

Hon thin v nng cao uy tn

trn th trng.
V d : dch v bo him tin gi

Yu t khch hng
Qung b uy tn, tn tui ca
ngn hng trn cc phng tin
qung co, truyn thng.
T chc hc tp, trao i nghip
v nng cao trnh chuyn
mn cho cn b.

Yu t nhn vin

Cch thc phc v chuyn nghip

ca nhn vin.

Nng cao trnh chuyn mn

cho cn b

Cm n Thy v cc bn
lng nghe!