Ban Cao Bach

Y BAN CHNG KHON NH NC CP CHNG NHN NG K CHO BN C PHIU CH C NGHA L VIC NG K CHO BN C PHIU THC HIN THEO CC QUY
Y NH CA PHP LUT LIN QUAN M KHNG HM M BO GI TR CA C PHIU. MI TUYN B TRI VI IU NY L BT HP PHP
(Giy chng nhn ng k kinh doanh s 0100111948 do S K hoch v u t TP H Ni cp thay i ln 1 ngy 30/6/2010)
NGN HNG TH NGMI C PHN CNG TH NGVIT NAM
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CHO BN C PHIU RA CNG CHNG

(Giy ch ng nhn ng k cho b n s 651/KC B do Ch t ch y ban C h ng khon N h n c cp ngy 24 thng 8 nm 2010)
Bn co bch n y v ti liu b sung s c cung c p ti : 1. Ngn hng Th ng mi C phn Cng th ng Vit Nam a ch: 108 Trn Hng o, Hon Kim, H Ni in thoi: 04. 3942.1030 Fax: 04. 3942.1032 Website: http://www.vietinbank.vn Ph trch cng b th ng tin: H tn: L c Th Mobile: 0913372917 Chc v: Ph Tng Gim c Tel: 04.39421457 Fax: 04.3942.1032
H Ni 08/2010
NGN HNG THNG MI C PHN CNG THNG VIT NAM
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NGN HNG THNG MI C PHN CNG THNG VIT NAM (VIETINBANK)
(Giy Chng nhn ng k Kinh doanh ln u s 0100111948 do S K hoch v u t TP H Ni cp thay i ln 1 ngy 30/6/2010)
CHO BN C PHIU RA CNG CHNG

Tn c phiu Loi c phiu Mnh gi :C phiu Ngn hng TMCP Cng th ng Vit Nam :C phiu ph thng :10.000 ng/c phn
Chia c tc bng c phiu: 76.900.000 c phn Pht hnh thm cho c ng hin hu: 315.100.000 c phn vi gi
Tng s lng cho bn :392.000.000 c phn trong :
10.000/c phn Tng gi tr cho bn: 3.920.000.000.000 ng (tnh theo mnh gi), trong :
Chia c tc bng c phiu: 769.000.000.000 ng mnh gi Pht hnh thm cho c ng hin hu: 3.151.000.000.000 ng mnh
gi T CH C T VN:
Cng ty c phn Chng khon Ngn hng Cng th ng Vit Nam (VietinBankSc) a ch: 306 B Triu, H Ni in thoi: 04. 35562875 Fax: 04. 35562874
T CH C KI M TO N:
Cng ty TNHH Ernst Young Vit Nam (E&Y) a ch: 360 Kim M, Ba nh, H Ni in thoi: 04. 38315100 Fax: 04. 38315090
CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM
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MC LC I. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. II. 1. 15 2. CC NHN T RI RO.....................................................................................................8 Ri ro v kinh t .................................................................................................................................... 8 Ri ro v li sut .................................................................................................................................... 8 Ri ro tn dng ....................................................................................................................................... 9 Ri ro v ngoi hi .............................................................................................................................. 10 Ri ro v thanh khon ......................................................................................................................... 10 Ri ro t cc hot ng ngoi bng ................................................................................................... 10 Ri ro v lut php .............................................................................................................................. 11 Ri ro h thng cng ngh thng tin ................................................................................................. 12 Ri ro tc nghip ................................................................................................................................. 12 Ri ro bin ng gi c phiu ............................................................................................................ 13 Ri ro pha long c phiu................................................................................................................... 13 Ri ro ca t cho bn ...................................................................................................................... 13 Ri ro khc ........................................................................................................................................... 14 NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH .................................................................................................................................15 T chc pht hnh - Ngn hng Thng mi C phn Cng thng Vit Nam (VietinBank).. T chc t vn Cng ty c phn Chng khon Ngn hng Cng thng Vit nam (VietinBankSc) .................................................................................................................................... 15 III. CC KHI NIM.................................................................................................................16 IV. TNH HNH V C IM CA T CHC PHT HNH ...........................................17 1. 2. 3. 21 4. Gii thiu chung v t chc pht hnh.............................................................................................. 17 Tm tt qu trnh hnh thnh v pht trin........................................................................................ 19 C cu t chc v b my qun l ca Ngn hng.......................................................................... Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng, danh sch c ng sng lp v t l c phn nm gi, c cu c ng.......................................................................... 3
NGN HNG THNG MI C PHN CNG THNG VIT NAM 27
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5.
Danh sch nhng cng ty m v cng ty con ca t chc ng k nim yt, nhng cng ty m t chc ng k nim yt ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi phi i vi t chc ng k nim yt............. 29
6. 7. 68 8. 73 9. 10. 11. 81 12. 13.
Hot ng kinh doanh......................................................................................................................... 32 Bo co kt qu hot ng kinh doanh trong giai on 2008 -2009 v Qu II/2010 .................. V th ca Ngn hng so vi cc Ngn hng khc trong cng ngnh ........................................... Chnh sch i vi ngi lao ng.................................................................................................... 77 Chnh sch c tc ................................................................................................................................ 80 Hi ng qun tr, Ban iu hnh, Ban kim sot, k ton trng ............................................... Tnh hnh hot ng ti chnh ..........................................................................................................102 Ti sn.................................................................................................................................................103
13.1. Ti sn c nh theo s sch k ton ti thi im 31/12/2009 ....................................................104 13.2. Tnh hnh qun l v s dng t ....................................................................................................104 14. K hoch li nhun v c tc giai on 2010-2012 ......................................................................110 14.1. Chin lc ca NHTMCP Cng thng Vit Nam ......................................................................110 15.1. K hoch li nhun v c tc ca Vietinbank trong giai on 2010-2012 nh sau:..................114 15.2. Cn c t k hoch c tc, li nhun trn................................................................................118 15. Thng tin v nhng cam kt nhng cha thc hin ca t chc ng k nim yt ...................120 16. Cc thng tin, cc tranh chp kin tng lin quan ti cng ty m c th nh hng n gi c c phiu nim yt ..............................................................................................................................120 V. C PHIU CHO BN ......................................................................................................120
NGN HNG THNG MI C PHN CNG THNG VIT NAM BN CO BCH VI. MC CH CHO BN ...................................................................................................125
VII. K HOCH S DNG S TIN THU C T T CHO BN.........................126 VIII. CC I TC LIN QUAN N T CHO BN ..................................................126 1. 2. T CHC T VN ........................................................................................................................127 T CHC KIM TON: ...............................................................................................................127
IX. PH LC ...........................................................................................................................128
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DANH MC HNH V V BIU Hnh 1: C cu vn iu l Vietinbank thi im 12/3/2010 Hnh 2: H thng t chc Hnh 3: C cu t chc chi tit Hnh 4: C cu t chc: Cp chi nhnh (M hnh 1) Hnh 5: C cu t chc: Cp chi nhnh (M hnh 2) Hnh 6: C cu t chc: Phng Giao dch Hnh 7: Phn tch hot ng huy ng vn thi k 2007-2009 Hnh 8: C cu tin gi nm 2009 v giai on 2007-2009 Hnh 9: Tc tng trng ti sn v d n cho vay Hnh 10: Thu nhp li t cho vay khch hng thi k 2007-2009 Hnh 11: C cu thu nhp li v cc khon thu nhp tng t nm 2009 Hnh 12: C cu d n theo ngnh kinh t Hnh 13: C cu d n nm 2009 theo thi gian Hnh 14: C cu d n thi k 2007 - 2009 theo loi hnh DN Hnh 15: C cu d n 2009 theo loi hnh DN Hnh 16: T l an ton vn 2007-2009 Hnh 17: Qu d phng ri ro cho vay khch hng 2007-2009 Bng 18: Phn loi n nm 2009 Hnh 19: Doanh s mua bn ngoi t trong khu vc ni a thi k 2007 - 2009 Hnh 20: Tc tng pht hnh th Hnh 21: C cu u t chng khon thi k 2007 - 2009 Hnh 22: S d v t l n xu giai on 2007 2009 Hnh 23: Tng trng tn dng giai on 2007-2009 Hnh 24: Tng trng GDP v t l lm pht giai on 2007-2009 Hnh 25: Mng li hot ng ca Vietinbank v cc Ngn hng khc Hnh 26: Li nhun sau thu v t l n xu ca Vietinbank v cc ngn hng khc Hnh 27: Tng quan Tng ti sn v vn iu l ca Vietinbank vi cc ngn hng khc nm 2009
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Hnh 28: M hnh Tp on Ti chnh Ngn hng Cng thng Vit Nam Hnh 29: Vn iu l v li nhun sau thu ca Vietinbank giai on 2010-2012 Hnh 30: Vn iu l v c cu vn iu l Vietinbank giai on 2010-2012
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DANH MC BNG BIU Bng 1: Danh sch C ng nm trn 5% vn C phn ti thi im 12/3/2010 Bng 2: C cu c ng n thi im 12/03/2010 Bng 3: Danh sch cng ty con v cng ty lin doanh ca Vietinbank ti thi im 31/12/2009 Bng 4: C cu huy ng vn ca Vietinbank Bng 5: Vay NHNNVN Bng 6: Tin gi ca khch hng Bng 7: T l trch d phng ri ro tn dng theo quy nh ca NHNN Vit Nam Bng 8:Tng hp cc d n cp tn dng v cho vay ng ti tr tnh n 31/12/2009 Bng 9: Mt s ch tiu ch yu hot ng th trng vn Bng 10: Mt s ch tiu ch yu hot ng cho thu ti chnh Bng 11: Kt qu hot ng Cng ty Bt ng sn v u t ti chnh NHCTVN Bng 12: Kt qu hot ng Cng ty TNHH Bo him NHCTVN Bng 13: Kt qu hot ng kinh doanh ca NHCTVN giai on 2008 - 2009 Bng 14: Mt s d bo v nn kinh t Vit Nam 2010-2011 Bng 15: Phn loi lao ng ti thi im 31/03/2009 Bng 16: Cc ch tiu ti chnh c bn ca Vietinbank Bng 17: Tnh hnh ti sn c nh ti thi im 31/12/2009 Bng 18: Tnh hnh qun l v s dng t Bng 19: Mt s khu t chnh do Vietinbank ang s hu Bng 20: D kin k hoch li nhun v c tc Vietinbank 2010-2012 Bng 21: D kin qu trnh tng vn giai on 2010-2012 Bng 22: Bo co thu nhp d kin giai on 2010-2012 Bng 23: Chi tit thu TNDN thi im 31/12/2009 Bng 24: D kin mt s ch tiu k hoch nm 2010
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NI DUNG BN CO BCH
I. CC NHN T RI RO 1. Ri ro v kinh t
Trong nhng nm qua, nn kinh t Vit Nam t nhng tin b vt bc, tc tng trng GDP trung bnh trong cc nm t 2002 - 2007 l 7,8%. c bit trong nm 2007, tng trng GDP ca Vit Nam ln ti 8,48%, mc tng trng cao nht trong vng 1 thp k qua. Hn th na, nm 2007 cng l nm nh du mc son Vit Nam tr thnh thnh vin th 150 ca T chc Thng mi th gii (WTO), iu ny chng t nn kinh t Vit Nam tng bc hi nhp su rng vi nn kinh t th gii. Cng vi nhng li ch t vic hi nhp vi nn kinh t th gii, Vit Nam cng ang phi i mt vi nhng thch thc v kh khn do vic hi nhp mang li, in hnh l cuc khng hong kinh t th gii bng pht t M. T l lm pht Vit Nam nm 2008 ln n 19,89%, trong khi tc tng trng GDP 2008 c du hiu suy gim ch t mc 6,23% so vi mc 8,48% nm 2007. Bc vo nm 2009, nn kinh t nc ta tip tc gp nhiu kh khn, thch thc. Khng hong ti chnh ca mt s nn kinh t ln trong nm 2008 y kinh t th gii vo tnh trng suy thoi, lm thu hp ng k th trng xut khu, th trng vn, th trng lao ng v tc ng tiu cc ti nhiu lnh vc kinh t-x hi khc ca nc ta. trong nc, thin tai dch bnh xy ra lin tip trn a bn c nc cng gy nh hng ln n sn xut v i sng dn c. GDP nm 2009 ch tng 5,32% trong khi t l lm pht mc 6,8%. Tc tng trng kinh t nm 2009 tuy vn thp hn tc tng ca nm 2008, nhng vt mc tiu tng 5% ca k hoch.
2. Ri ro v li sut
Mt trong nhng ri ro c th ca ngn hng thng mi l ri ro li sut. Ri ro li sut xy ra khi c s chnh lch gia li sut huy ng u vo v li sut u ra do bin ng ca th trng v chnh lch gia cc k hn huy ng v k hn u t, cho vay ra th trng. Khi li sut th trng thay i, nhng ngun thu chnh t danh mc cho vay v u t chng khon cng nh chi ph tr li i vi tin gi v cc ngun vay ca ngn hng u b tc ng. Nhng thay i ca li sut th trng c th tc ng tiu cc ti li nhun ngn hng do lm tng chi ph ngun vn, gim thu nhp t ti sn, h thp gi tr vn ch s hu ca ngn hng. V vy, s bin ng ca li sut s tc ng n ton
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b bng cn i k ton v bo co thu nhp ca ngn hng. Nu khng c s quan tm thch ng n vic qun l ri ro li sut, khng d on c xu hng bin ng ca li sut th cc ngn hng c th b thit hi nng n t loi ri ro ny, thm ch ri vo tnh trng thua l dn n ph sn. phng trnh ri ro li sut, VietinBank trong thi gian qua ch ng p dng mt s chnh sch gim thiu ri ro nh p dng chnh sch li sut linh hot theo th trng; tham gia vo cc hp ng hon i li sut vi nhiu i tc nc ngoi; p dng chnh sch li sut th ni trong nhiu hp ng tn dng ngn hn, trung v di hn nhm gim thiu ri ro li sut; ch trng huy ng vn c thi hn trn 1 nm.
3. Ri ro tn dng
Ri ro tn dng xut pht t cc hot ng tn dng l kh nng xy ra tn tht do khch hng khng thc hin v thc hin khng ng ngha v ca mnh theo cam kt trong hp ng (cho vay, bo lnh, cc hnh thc cp tn dng khc) lm gim hay mt gi tr ca ti sn c. gim thiu ri ro tn dng, VietinBank ban hnh chnh sch qun l ri ro tn dng v c iu chnh chnh sch tn dng tng thi k nh: a dng ha danh mc u t, ban hnh ton din v thng xuyn cp nht cc quy nh, quy trnh cp v qun l tn dng nh quy nh cho vay i vi cc t chc kinh t; quy nh cho vay tiu dng, quy trnh chm im v xp hng tn dng khch hng, quy trnh cho vay vn lu ng, quy trnh cho vay d n u t, quy trnh kim tra gim st khon vay, quy trnh qun l v x l n c vn , xt duyt hn mc tn dng, quy nh mc phn quyt tn dng theo cp . Bn cnh Vietinbank cn xy dng h thng tnh im xp hng ring cho tng loi khch hng nh khch hng l cng ty, khch hng l cc nh ch ti chnh v khch hng c nhn; c cu t chc b my bao gm cc b phn c lp: Ban hnh c ch chnh sch, Qun l ri ro, quan h khch hng, Qun l n c vn v Kim tra gim st c lp; thc hin phn cp quyt nh tn dng t HQT n trng phng giao dch; cnh bo ri ro t cc ngnh hng, cc khu vc kinh t, cc doanh nghip, ti sn bo m...; cung cp thng tin v t vn cho khch hng gim thiu ri ro trong cc giao dch thng mi. c bit m bo tnh c lp, khch quan trong quyt nh cp v qun l tn dng, bn cnh cc phng tn dng trc tip cho vay khch hng VietinBank xy dng b my qun l ri ro tn dng t Tr s chnh n mi chi nhnh vi chc nng, nhim v ch yu l thm nh c lp trc khi cp tn dng, pht hin, phng nga, cnh bo sm
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ri ro tn dng. VietinBank thc hin vic chm im xp hng chi nhnh xc nh mc y quyn phn quyt cho chi nhnh, thc hin kim tra nghip v hng nm v ch trng o to, nng cao trnh chuyn mn, o c ngh nghip cho cn b.
4. Ri ro v ngoi hi
Ri ro ngoi hi pht sinh khi c s bin ng v t gi ngoi hi trn th trng i vi cc khon mc ti sn N v ti sn C bng ngoi t ti Ngn hng. qun tr ri ro v ngoi hi, VietinBank thit lp h thng chnh sch qun l tp trung trng thi ngoi hi ca ton h thng, trong quy nh hn mc trng thi ngoi t cho tng chi nhnh, hn mc i tc v Hi s chnh. Ti Hi s chnh, cc trng thi ngoi hi pht sinh ca ton h thng c kim sot v cn bng kp thi, m bo cui ngy trn bng cn i ton h thng, trng thi ngoi hi c duy tr mc hp l, an ton v tun th quy nh ca php lut. gim thiu v phng trnh ri ro v ngoi hi, ngoi cc quy nh v trng thi, hn mc, nghip v mua bn ngoi t giao ngay, hin ti VietinBank cn p dng cc nghip v phi sinh nh k hn v hon i ngoi t.
5. Ri ro v thanh khon
Thanh khon l mt mu cht quan trng trong cng tc cn i v iu ha vn l yu t sng cn trong hot ng kinh doanh ca ngn hng. Ri ro thanh khon l kh nng ngn hng khng th p ng cc nhu cu rt tin thng xuyn hoc t xut ca ngi gi cng nh p ng cc ngha v chi tr ti chnh khc. Ri ro thanh khon bt ngun t s khng ph hp v quy m v k hn gia cc ti sn n v ti sn c ca ngn hng ti thi im hin ti hay trong tng lai. Mt khc tm l s ng l mt nguyn nhn quan trng dn ti ri ro thanh khon. Vic rt tin hng lot c th xy ra khi tr trng kinh t Vit Nam v th gii c nhng du hiu bt n, lm nh hng khng nh n vn thanh khon ca ngn hng v ri ro thanh khon l rt ln v thit hi kh lng. m bo tnh thanh khon, bn cnh vic lp k hoch s dng v cn i vn hp l, VietinBank lun tnh ton v duy tr t l hp l ti sn di dng tin mt, ti sn tng ng tin, ti khon Nostro, cc cng c th trng tin t v cc qu d tr c bit ti NHNN.
6. Ri ro t cc hot ng ngoi bng

Trong qu trnh hot ng kinh doanh, Ngn hng thc hin cc nghip v ti chnh c hch ton ngoi bng, cc nghip v ny (ch yu l nghip v bo lnh ti chnh v giao
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dch th tn dng) cng to ra nhng ri ro tn dng cho Ngn hng ngoi cc ri ro tn dng c ghi nhn trong ni bng. i vi cc nghip v bo lnh ti chnh, ri ro tn dng lin quan n vic cp bo lnh v c bn ging ri ro cho vay khch hng nhng ri ro thp hn so vi hot ng cho vay. Do , VietinBank phn loi bo lnh, th tn dng cung cp sn phm cho khch hng v c cc bin php gim st vic thc hin ngha v c tha thun trong hp ng ca khch hng vi i tc. ng thi, vic phn cp bo lnh, m th tn dng cho khch hng c thc hin trn c s thm nh cht ch nh khon vay theo cc quy nh, quy trnh nghip v. Khi thc hin pht hnh cc th tn dng thng mi tr ngay/tr chm, khch hng ca VietinBank l Ngi mua/Nh nhp khu hng ha v Bn th hng l Ngi bn/Nh xut khu hng ha, ri ro pht sinh t cc giao dch ny khi Bn th hng hon thnh ngha v m khch hng khng thc hin thanh ton. Lc , Ngn hng s phi thanh ton cho Bn th hng thay cho khch hng, ngha v pht sinh ca khch hng s c thanh ton trong ni bng vi t cch l nhng khon tn dng bt buc. hn ch ri ro ny, Ngn hng c cc bin php nh kim sot cht ch b chng t hng ha hoc yu cu khch hng k qu m bo cho cc giao dch ny khi cn thit. T l k qu dao ng t 0% n 100% gi tr th tn dng pht hnh ty thuc vo mc tin cy ca khch hng v c th khng thc hin bin php m bo trong trng hp khch hng c nng lc ti chnh mnh, hot ng sn xut kinh doanh c hiu qu, phng n kinh doanh c kh thi.
7. Ri ro v lut php
L mt doanh nghip c phn hot ng trong lnh vc kinh doanh ti chnh tin t nn hot ng ca VietinBank c qun l cht ch bng Lut doanh nghip, cc vn bn php lut v di lut ca Ngn hng Nh nc. Nhng thay i, chnh sa, b sung cc vn bn php lut ca Nh nc u nh hng trc tip ti hot ng ca Ngn hng. ng thi, do nim yt c phiu trn S Giao dch chng khon nn Ngn hng cn phi tun th cc quy nh php lut v chng khon v th trng chng khon. Hiu c rt r vn ny, VietinBank a ra nhng bin php hn ch ri ro php lut ca VietinBank nh sau: VietinBank thit lp mt B phn php ch c chc nng tham mu cho Ban lnh o
Ngn hng, t vn cho cc n v v cc cn b trong ton h thng v cc vn c lin

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quan ti yu t php l nhm gip cho cc quyt nh ca Ban lnh o Ngn hng, cc n v v cc nhn trong h thng tun th ng cc quy nh ca Php lut. B phn php ch cng c trch nhim nghin cu, cp nht nhng thay i ca php lut; h thng ho cc vn bn quy phm php lut nhm cung cp cc vn bn php l cn thit trong ton h thng. Thng xuyn t chc cc lp o to nhm nng cao kin thc php l v k nng
m phn, thng tho, son tho Hp ng, gii quyt tranh chp. i vi nhng giao dch c gi tr ln hoc phc tp, VietinBank thng thu cc
Cng ty Lut c uy tn trong v ngoi nc cung cp cc dch v php l nhm h tr VietinBank.
8. Ri ro h thng cng ngh thng tin

H thng cng ngh thng tin ng mt vai tr quan trng trong hot ng ca Ngn hng. H thng cng ngh thng tin gp phn gip Ngn hng hot ng chuyn nghip, x l kp thi cc giao dch, m bo tnh an ton v bo mt trong cng tc qun l d liu. Ri ro lin quan n h thng cng ngh thng tin l nhng ri ro, thit hi do yu t k thut cng ngh, nhng sai st trong qu trnh vn hnh h thng gy ra. Trong nhng nm qua VietinBank ch trng u t, khng ngng nng cp h thng v a ra cc chnh sch kim sot bo mt, an ninh, an ton h thng dnh cho nhn vin nhm gim thiu nhng ri ro lin quan n h thng cng ngh thng tin. Hin nay, VietinBank khai trng v a vo s dng Trung tm d phng thng tin.
9. Ri ro tc nghip
Ri ro tc nghip l loi ri ro lin quan n cng ngh, c s h tng, quy trnh nghip v, yu t con ngi v.v. trong qu trnh hot ng kinh doanh ca ngn hng. Ri ro tc nghip lin quan nhng s c hoc sai st trong qu trnh hot ng kinh doanh lm thit hi cho khch hng v i tc dn n vic ngn hng b khi kin. Nguyn nhn dn n ri ro ny l do con ngi hoc h thng cng c qun l. phng chng ri ro ny, Vietinbank thc hin chun ha cc quy trnh nghip v chnh theo tiu chun ISO 9001:2008. Bn cnh , cc quy trnh trong qun l bao gm: tuyn dng, o to, nh gi ni b, thit k v pht trin sn phm, qun l ti sn khch hng v.v. c tiu chun ha.
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10.Ri ro bin ng gi c phiu

Gi c phiu ca Ngn hng c xc nh bi quan h cung cu ca th trng. Mi quan h cung cu ny ph thuc vo nhiu yu t mang tnh kinh t ln tm l ca nh u t. Ngoi ra, khi Ngn hng pht hnh tng vn, c phiu b pha long, thu nhp trn mt c phiu gim. Gi c phiu VietinBank cng khng nm ngoi quy lut chung .
11.Ri ro pha long c phiu

Pha long quyn biu quyt: C th c do ton b s c phn trong t pht hnh ny l c phn t do chuyn nhng. Pha long thu nhp trn mi c phn (EPS): trong trng hp tt c nhng yu t khc khng i, vi vic pht hnh thm tng cng 392.000.000 c phn cho c ng hin hu s khin EPS ca VietinBank sau t pht hnh s gim xung. Pha long gi th trng: gi c phiu s iu chnh gim trong ngy giao dch khng hng quyn. Cn c phng n pht hnh, c ng s hu 01 (mt) c phiu s c nhn 0,0683 c phiu tr c tc v c quyn mua 0,28 c phiu vi gi 10.000 ng/c phiu. Cng thc tnh gi c phiu b pha long nh sau: P1 = (P0 + 10.000 x 0,28) / (1 + 0,0683 + 0,28) Vi: P0 l gi ng ca ca ngy giao dch lin trc ngy giao dch khng hng quyn; P1 l gi iu chnh ti ngy giao dch khng hng quyn. V d, gi ng ca ca ngy giao dch lin trc ngy giao dch khng hng quyn l: P0 = 30.000 ng/c phiu. Gi iu chnh ti ngy giao dch khng hng quyn s l: P1 = (30.000 + 10.000 x 0,28) / (1 + 0,0683 + 0,28) = 24.300 ng/c phiu
12.Ri ro ca t cho bn
t cho bn c tnh ton k lng cn c vo tnh hnh th trng, gi cho bn v mc ch huy ng vn ph hp. Tuy nhin, ri ro lin quan n t cho bn l khng th loi tr v ngoi nhng l do khch quan khng th kim sot nh tnh hnh kinh t x hi bin ng th cc yu t thuc tm l ca nh u t s nh hng n t cho bn chng khon ca VietinBank. Trong trng hp khng cho bn ht, s lng c phn
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cn li s c a ra Hi ng Qun tr quyt nh nhng gi bn khng thp hn 10.000 ng/c phn.
13.Ri ro khc
Cc ri ro khc nh thin tai, ha hon l nhng ri ro bt kh khng, nu xy ra s gy nh hng cho hot ng ca Ngn hng.
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BN CO BCH
II. NHNG NG I CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH 1. T chc pht hnh - Ngn hng Th ng mi C phn Cng th ng Vit Nam (VietinBank)
ng Phm Huy Hng ng Phm Xun Lp ng: Nguyn Vn Chung B: Trn Th L Nga Chc v: Ch tch Hi ng Qun tr Chc v: Tng Gim c Chc v: K ton trng Chc v: Trng Ban Kim sot
Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l ph hp vi thc t m chng ti c bit, hoc iu tra, thu thp mt cch hp l.
2. T chc t vn Cng ty c phn Chng khon Ngn hng Cng th ng Vit nam (VietinBankSc)
: : ng Nguyn Th Phng Ph Tng Gim c
Ngn hng Thng mi c phn Cng thng Vit Nam Ngn hng Thng mi c phn Cng thng Vit Nam .
17
III. CC KHI NIM

T chc nim yt NHTMCPCTVN VietinBank NHCTVN NHTMCP NHTMNN DNVVN NHTM TCTD HQT BKS CP NHNN DNNN ALCO Ngn hng Thng mi C phn Cng thng Vit Nam Ngn hng Thng mi C phn Cng thng Vit Nam Tn vit tt ca Ngn hng TM C phn Cng thng Vit Nam Ngn hng Cng thng Vit Nam Ngn hng Thng mi c phn Ngn hng Thng mi Nh nc Doanh nghip va v nh Ngn hng thng mi T chc tn dng Hi ng Qun tr Ban kim sot C phn Ngn hng Nh nc Doanh nghip nh nc Asset - Liability Management Committee - y ban Qun L Ti sn N - Ti sn C ATM C AML Automated Teller Machine - My rt tin t ng C ng Anti-Money Laundering Chng ra tin
IV. TNH HNH V C IM CA T CHC PHT HNH 1. Gii thiu chung v t chc pht hnh
Tn gi doanh nghip: NGN HNG THNG MI C PHN CNG THNG VIT NAM Tn giao dch i ngoi: VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE Tn vit tt: Logo a ch doanh nghip: in thoi: Website: Slogan: S 108 Trn Hng o, Hon Kim, H Ni 84.4. 3942.1030 Fax: 84.4. 3942.1032 VIETINBANK
http://www.vietinbank.vn Nng gi tr cuc sng
Giy php thnh lp v hot ng Ngn hng thng mi c phn Cng thng Vit Nam s 142/GP-NHNN ca NHNN cp ngy 03 thng 07 nm 2009; Giy Chng nhn ng k Kinh doanh cp thay i ln th nht 0100111948 do S K hoch v u t TP H Ni cp ngy 30/06/2010; Vn iu l hin ti: 11.252.972.800.000 ng, trong :
Hnh 1: C cu vn iu l Vietinbank thi im 12/03/2010
C chin lc 1,81%
C khc 8,96%
C nhn 3.18%
Nh nc 89,23%
T chc 96.82%
Ngun: Vietinbank
Phm vi lnh vc hot ng ca Ngn hng bao gm:
Huy ng vn: Hot ng huy ng vn bao gm nhn tin gi ca khch hng bng ni v ngoi t, pht hnh chng ch tin gi, tri phiu, k phiu, v cc giy t c gi khc huy ng ngun vn, vay t cc nh ch ti chnh trong nc v nc ngoi, vay t NHNN, v cc hnh thc vay vn khc theo quy nh ca NHNN. Hot ng tn dng: Tn dng l mt trong nhng hot ng kinh doanh chnh ca VietinBank. Cc hot ng tn dng ca VietinBank bao gm cp vn vay bng ni v ngoi t, bo lnh, chit khu, cho thu ti chnh, v cc hnh thc cp tn dng khc theo quy nh ca NHNN. Hot ng u t: Cc hot ng u t ca VietinBank c thc hin thng qua vic tch cc tham gia vo th trng lin ngn hng v th trng vn. Ti sn u t bao gm Tri phiu Chnh ph, Tn phiu kho bc, Tn phiu NHNN, Cng tri xy dng T quc, Tri phiu gio dc, Tri phiu Chnh quyn a phng, Tri phiu NHTM, Tri phiu doanh nghip v.v. Ngoi ra VietinBank cn gp vn mua c phn ca cc doanh nghip trong v ngoi nc v gp vn lin doanh vi cc t chc nc ngoi. Dch v thanh ton v ngn qu: VietinBank tp trung cung cp dch v thanh ton v ngn qu cho khch hng, bao gm thanh ton trong nc v quc t, thu chi h khch hng, thu chi bng tin mt v sc. Cc hot ng khc: Bn cnh cc dch v kinh doanh chnh, VietinBank cung cp mt s dch v b sung cho khch hng bao gm cc hot ng trn th trng tin t, kinh doanh giy t c gi bng VND v ngoi t, chuyn tin trong nc v quc t, chuyn tin kiu hi, kinh doanh vng v ngoi hi, cc hot ng i l v y thc, bo him, cc hot ng chng khon thng qua cc cng ty con, dch v t vn ti chnh, dch v qun l vn, dch v thu chi, dch v th, gi v gi ti sn, cho vay ng trc tin bn chng khon, dch v ngn hng qua in thoi, dch v ngn hng in t, v.v. Sn phm v dch v cung cp
o o
Cho vay (ngn hn, trung hn v di hn) v u t Dch v huy ng tin gi dn c (ngn, trung, di hn)
o o o o o o o o o
Dch v chuyn tin trong v ngoi nc Dch v chng khon Dch v m v s dng ti khon Dch v thanh ton xut nhp khu Cc dch v ngn hng bn bun v bn l trong v ngoi nc Dch v t vn ti chnh tin t Dch v thanh ton v ngn qu Dch v chit khu v ti chit khu Dch v ngn hng in t Internet Banking, Phone Banking, Mobile Banking v SMS Banking
o o o o o o o
Dch v th (th tn dng quc t, th ghi n, th tr trc) Dch v chuyn tin kiu hi Dch v bo him v ti bo him Dch v bo lnh v ti bo lnh Cho thu ti chnh Hot ng ngn hng i l Cc dch v khc theo iu l hot ng ca Ngn hng.
2. Tm tt qu trnh hnh thnh v pht trin

Ngn hng Thng mi C phn Cng thng Vit Nam (VietinBank), tin thn l Ngn hng Cng thng Vit Nam, c thnh lp di tn gi Ngn hng chuyn doanh Cng thng Vit Nam theo Ngh nh s 53/N-HBT ngy 26 thng 03 nm 1988 ca Hi ng B trng v t chc b my NHNNVN v chnh thc c i tn thnh Ngn hng Cng thng Vit Nam theo quyt nh s 402/CT ca Ch tch Hi ng B trng ngy 14 thng 11 nm 1990. Ngy 27 thng 03 nm 1993, Thng c NHNN k Quyt nh s 67/Q-NH5 v vic thnh lp NHCTVN thuc NHNNVN. Ngy 21 thng 09 nm 1996, c s y quyn ca Th tng Chnh Ph, Thng c NHNN k Quyt nh s 285/Q-NH5 v vic
thnh lp li NHCTVN theo m hnh Tng Cng ty Nh nc c quy nh ti Quyt nh s 90/Q-TTg ngy 07 thng 03 nm 1994 ca Th tng Chnh Ph. Ngy 23 thng 09 nm 2008, Th tng Nguyn Tn Dng k quyt nh 1354/Q-TTg ph duyt phng n c phn ha Ngn hng Cng thng Vit Nam. Ngy 02 thng 11 nm 2008, Ngn hng Nh nc k quyt nh s 2604/Q-NHNN v vic cng b gi tr doanh nghip Ngn hng Cng thng Vit Nam. Ngy 25 thng 12 nm 2008, Ngn hng Cng thng t chc bn u gi c phn ra cng chng thnh cng v thc hin chuyn i thnh doanh nghip c phn. Ngy 03/07/2009, Ngn hng Nh nc k quyt nh s 14/GP-NHNN thnh lp v hot ng Ngn hng thng mi c phn Cng thng Vit Nam. NHTMCP Cng thng Vit Nam chnh thc hot ng theo giy chng nhn ng k kinh doanh ln u s 0103038874 do S K hoch v u t Tp H Ni cp ngy 03/07/2009. Ngy 16/7/2009 c phiu ca VietinBank chnh thc c nim yt v giao dch trn S Giao dch Chng khon Thnh ph H Ch Minh vi m giao dch l CTG. Tri qua 22 nm xy dng v pht trin n nay, VietinBank pht trin theo m hnh ngn hng a nng vi mng li hot ng c phn b rng khp ti 63 tnh, thnh ph trong c nc. n 31/12/2009, h thng mng li ca VietinBank bao gm 01 Hi s chnh; 01 S Giao dch; 149 chi nhnh; 695 phng giao dch; 98 qu tit kim; 1.092 my rt tin t ng (ATM); 02 Vn phng i din; v 04 Cng ty con bao gm Cng ty cho thu ti chnh, Cng ty c phn Chng khon Ngn hng Cng thng (VietinBankSc) v Cng ty Bt ng sn v u t ti chnh Ngn hng Cng thng Vit Nam v Cng ty Bo him Ngn hng cng thng Vit Nam; 03 n v s nghip bao gm Trung tm th, Trung tm Cng ngh thng tin, Trng o to v Pht trin ngun nhn lc. Ngoi ra, NHCT cn gp vn lin doanh vo Ngn hng Indovina, gp vn vo 08 cng ty trong c Cng ty c phn Chuyn mch Ti chnh quc gia Vit Nam, Cng ty c phn Xi mng H Tin, Cng ty c phn cao su Phc Ha, Ngn hng thng mi c phn Gia nh, Ngn hng thng mi c phn Si Gn Cng Thng, Cng ty CP Thp Thi Nguyn v.v. Ngn hng hin ti c quan h i l vi 900 ngn hng, nh ch ti chnh ti trn 90 quc gia, vng lnh th trn ton th gii. Nm 2009 VietinBank t c kt qu: Tng ti sn tng 25%, tng ngun vn tng 27%, cho vay nn kinh t tng 32%, li nhun tng 36% so vi nm trc, n xu 0,6%.
3. C cu t chc v b my qun l ca Ngn hng

3.1. C cu t chc ca Ngn hng thng mi c phn Cng thng Vit Nam
Hnh 2: H thng t chc

TR S CHNH
S GIAO DCH
CHI NHNH
VN PHNG I DIN
N V S NGHIP
N V HCH TON C LP
PHNG GIAO DCH
QU TIT KIM
(Ngun: VietinBank)
3.2. C cu b my qun l ca NHTMCP Cng thng Vit Nam
BN CO BCH
Hnh 3: C cu t chc chi tit

I HI NG C NG
BAN KIM SOT
HI NG QUN TR
Cc y ban
y ban gim st, qun l v x l ri ro
TNG GIM C Hi ng tn dng CC PH TG & K TON TR NG Hi ng nh ch
Cc cng ty con, cng ty lin kt
y ban nhn s, tin lng, thng
Ban kim tra, kim sot ni b
B my kim ton
y ban chnh sch
Ban th k HQT
y ban qun l ti sn n, c
Ban Thng tin truyn thng
Khi KD
Khi Dch v
Khi Qun l ri ro
Khi h tr
Khi CNTT
S Giao dch
Chi nhnh
P. Khch hng Doanh nghip
Vn phng i din
n v s nghip
Trung tm th
P. Qun l ri ro TD&T
P. KH & HT ALCO
P Ql KTTC
TT Cng ngh thng tin
Phng giao dch loi I
Phng GD loi II
P. Khch hng DNV&N
P. Dch v Ngn hng in t
P. ch TD& T
P. QL chi nhnh v thng tin
P. Ch k ton
P. QL v h tr h thng INCAS
VPD trong nc
VPD trong nc
Trung tm th
P. Khch hng c nhn
P. Thanh ton VN S Giao dch III
P.Ql RR th trng &TN
P. Php ch P. Tin t kho qu P. Xy dng v Qun l ISO BQL hin i ha CNTT Trng T&P T NNL
P. nh ch ti chnh
P. Qun l n c vn P. Thanh ton ngn qu
P. Thanh, quyt ton vn KD
P. Kinh doanh ngoi t
P. TCCB v T P. Qun tr
P. u t
P. Dch v kiu hi
P. QLL - TL
P. Kinh doanh dch v
Vn phng TG
CNG TY C PHN CHNG KHON NGN HNG CNG THNG VIT NAM
23
P .
QL u t XDCB & mua sm TS Ban thi ua P. Kinh doanh vng bc,
Ngun: Vietinbank
23
Cc chi nhnh ca NHCT c c cu theo hai m hnh t chc sau: Hnh 4: C cu t chc: Cp chi nhnh (M hnh 1)
BAN GIM C
KHI KINH DOANH
KHI QUN L RI RO
KHI TC NGHIP
KHI H TR
PHNG GIAO DCH
Phng khch hng DN ln
Phng/t qun l ri ro
Phng k ton giao dch
Phng/t tng hp
Phng KH DNV&N
Phng/t qun l n c vn
Phng tin t, kho qu
Phng T chc hnh chnh
Phng khch hng c nhn Qu tit kim, im giao dch
Phng/t thanh ton xut nhp khu
Phng/t thng tin in ton
Ngun: Vietinbank
Hnh 5: C cu t chc: Cp chi nhnh (M hnh 2)

BAN GIM C
KHI KINH DOANH
KHI QUN L RI RO
KHI TC NGHIP
KHI H TR
PHNG GIAO DCH
Phng khch hng DN Phng khch hng c nhn
Phng/t qun l ri ro v n c vn
Phng k ton giao dch Phng tin t, kho qu
Phng T chc hnh chnh Phng/t thng tin in ton
Qu tit kim, im giao dch
Phng/t thanh ton xut nhp khu
Ngun: VietinBank
24
C cu t chc ca Phng Giao dch c th hin nh sau: Hnh 6: C cu t chc: Phng Giao dch
Trng Phng Giao dch Ph Phng Giao dch
B phn Kinh doanh
B phn K ton
B phn Kho qu
Qu Tit Kim
Ngun: Vietinbank i hi ng C ng i hi ng C ng l c quan quyn lc cao nht ca Vietinbank, bao gm tt c c ng c quyn biu quyt c tn trong danh sch ng k c ng u c quyn tham d. HC c th c t chc thng qua cuc hp HC thng nin, HC bt thng hoc ly kin bng vn bn. i hi ng c ng quyt nh t chc li v gii th Ngn hng, quyt nh nh hng pht trin ca Ngn hng, b nhim, min nhim thnh vin Hi ng Qun tr, thnh vin Ban Kim sot; quyt nh cc cng vic khc theo quy nh ca php lut v iu l Ngn hng. Hi ng Qun tr Hi ng Qun tr l c quan qun tr cao nht ca Ngn hng, c y quyn hn thay mt HC quyt nh cc vn lin quan n mc tiu v li ch ca Ngn hng, ngoi tr cc vn thuc quyn hn ca i hi ng C ng. Hi ng Qun tr do i hi ng C ng bu ra. C cu Hi ng Qun tr hin ti nh sau: ng Phm Huy Hng - Ch tch HQT ng Phm Xun Lp - U vin HQT B Phm Th Hong Tm - U vin HQT ng Trn Xun Chu - U vin HQT B Th Thy - U vin HQT B Nguyn Hng Vn - y vin HQT B Trn Th Hng Hnh - y vin HQT
Trc thuc HQT c cc y ban: y ban gim st v qun l ri ro
y ban nhn s, tin lng, thng y ban Ti sn N - C y ban chnh sch
Ban iu hnh Ban iu hnh bao gm Tng gim c v cc ph Tng gim c, K ton trng, do HQT quyt nh b nhim, min nhim. Tng Gim c l ngi i din theo php lut ca Ngn hng v l ngi iu hnh cao nht mi hot ng kinh doanh hng ngy ca Ngn hng. C cu Ban iu hnh hin ti nh sau: ng Phm Xun Lp - Tng Gim c ng Nguyn Vit Mnh - Ph Tng Gim c ng Nguyn Vn Thnh - Ph Tng Gim c ng Nguyn Vn Du - Ph Tng Gim c ng Phm Anh Tun - Ph Tng Gim c B Bi Nh - Ph Tng Gim c ng L c Th - Ph Tng Gim c ng V Minh Tun Ph Tng Gim c ng Nguyn Vn Chung - K ton trrng
Ban kim sot Ban kim sot l c quan do i hi ng c ng bu ra, thay mt cc c ng kim sot mt cch c lp, khch quan v trung thc mi hot ng kinh doanh, qun tr v iu hnh Ngn hng, chu trch nhim trc i hi ng c ng trong thc hin nhim v c giao. C cu Ban kim sot hin ti nh sau: B Trn Th L Nga - Trng Ban Kim sot B Phm Th Thm - U vin B Phan Th Qu - U vin
Cc b phn trc thuc hi s chnh Hi ng tn dng: Quyt nh cp gii hn tn dng, khon tn dng c gi tr ln; Xem xt nht tr v trnh HQT thng qua vi nhng khon vay v tng khon vay ln; Quyt nh nh hng ngnh hng mc tiu, nhm khch hng mc tiu, nhm khch hng c kh nng tng trng tn dng, nhm khch hng cn hn ch tng trng tn dng ca VietinBank; Quyt nh iu chnh, b sung cc tiu ch xc nh nhm khch hng; Quyt nh cc vn phc tp khc c lin quan ti hat ng tn dng; xut Tng gim c trnh HQT quyt nh thng qua t l tng trng, c cu tn dng hng nm ca
VietinBank. Hi ng tn dng bao gm Hi ng tn dng tr s chnh v hi ng tn dng c s. Hi ng nh ch: Chc nng v i ngoi v quan h hp tc, bn sn phm dch v ca VietinBank cho cc nh ch ti chnh trong v ngoi nc v to ra li nhun. Nhim v chi tit bao gm: Pht trin quan h i ngoi v xy dng quan h i tc chin lc vi 1 s nh ch trong v ngoi nc; Phn tch, nh gi thm nh nng lc ti chnh v hat ng kinh doanh ca cc nh ch ti chnh, nh hn mc ti tr thng mi, u t tin gi nc ngoi...; Tham gia kin trong vic pht hnh, bo lnh, ti bo lnh, xc nhn L/C; Phn tch, nh gi tnh hnh kinh t ti chnh tin t cc nc; Phi hp vi cc phng ban lin quan nghin cu vic ng m ti khon NOSTRO, Xy dng biu ph ngoi t; Pht trin m rng dch v chi tr kiu hi, sc du lch, kinh doanh ngoi t mt...; Xy dng v bo v k hoch cho vay tr n nc ngoi vi NHNN; Tp cn b ti chnh, NHNN v cc t chc quc t lm ngn hng phc v d n ODA; Cung cp thng tin cn thit v th trng ti chnh tin t, kinh t th gii; Son tho pht hnh bo co thng nin; Sa i b sung ban hnh mi danh sch ch k y quyn ca VietinBank. Cc Khi nghip v, bao gm: Khi kinh doanh v khi dch v: gm cc b phn nghip v trc tip kinh doanh, to li nhun cho Ngn hng. Khi qun l ri ro: gm cc b phn nghip v thc hin chc nng qun l ri ro trong hot ng ca Ngn hng (Ri ro tn dng, ri ro th trng, ri ro thanh khon, ri ro tc nghip) Khi h tr: gm cc b phn nghip v thc hin chc nng qun l, h tr hot ng kinh doanh ca Ngn hng. Khi Cng ngh Thng tin: Nghin cu, ng dng cng ngh tin hc phc v yu cu qun l v pht trin hot ng kinh doanh, m bo h thng CNTT hot ng chnh xc, lin tc, thng sut v an ton.
4. Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng, danh sch c ng sng lp v t l c phn nm gi, c cu c ng
4.1. Danh sch c ng nm gi t 5% tr ln vn c phn ca VietinBank Bng 1: Danh sch C ng nm trn 5% vn C phn ti thi im 30/6/2010 TT 1 C ng ln C ng Nh nc S c phn Gi tr (ng) (%) 89,23%
1.004.085.500 10.040.855.000.000 (Ngun: VietinBank)
Ghi ch: Theo Cng vn s 563/TTg-KTTH ngy 07 thng 4 nm 2010 ca Th tng Chnh ph v vic i din ch s hu vn nh nc ti NHTMCP, Ngn hng Nh nc Vit Nam l c quan i din ch s hu phn vn Nh nc, c ngi i din phn vn Nh nc ti Ngn hng TMCP CTVN v thc hin mua phn vn pht hnh cho c ng Nh nc theo ch o ca Th tng Chnh ph ti vn bn s 1063/VPCP_KTTH ngy 13/02/2010 ca Vn Phng Chnh ph. Cn c Cng vn s 3956/NHNN-TCCB ngy 01 thng 6 nm 2009 v vic gii thiu cn b tham gia HQT, BKS Ngn hng TMCP Cng thng Vit Nam, i din phn vn nh nc ti Ngn hng TMCP Cng Thng Vit Nam bao gm: 4.2. 4.3. ng Phm Huy Hng - i din 40% ng Phm Xun Lp - i din 30% B Phm Th Hong Tm - i din 18,90%
Danh sch c ng sng lp v t l c phn nm gi: Khng c C cu c ng ca Vietinbank ti thi im 12/3/2010 Bng 2: C cu c ng n thi im 12/3/2010
TT
C ng
S l ng c phn 1.004.085.500 20.324.580 100.887.200 1.125.297.280 1.089.457.034 1.077.393.598 12.063.436 35.840.246 35.548.996 291.250 1.125.297.280
Gi tr (VND)
T l
Phn theo tnh cht s hu 1 2 3 C ng Nh nc Nh u t chin lc C ng bn ngoi Tng cng Phn theo loi hnh s hu 1 a b 2 a b T chc Trong nc Nc ngoi C nhn Trong nc Nc ngoi Tng Phn theo loi c phiu 10.894.570.340.000 10.773.935.980.000 120.634.360.000 358.402.460.000 355.489.960.000 2.912.500.000 11.252.972.800.000 96,82% 95,74% 1,07% 3,18% 3,16% 0,03% 100,00% 10.040.855.000.000 203.245.800.000 1.008.872.000.000 11.252.972.800.000 89,23% 1,81% 8,96% 100,00%
1 2
C phiu ca Nh nc C phiu hn ch chuyn nhng ca Nh u t chin lc C phiu hn ch chuyn nhng ca Cng on C phiu hn ch chuyn nhng ca C ni b C phiu t do chuyn nhng Tng
1.004.085.500 20.324.580 26.800.000 202.318 73.884.882 1.125.297.280
10.040.855.000.000 203.245.800.000 268.000.000.000 2.023.180.000 738.848.820.000 11.252.972.800.000
89,23% 1,81% 2,38% 0,02% 6,57% 100,00%
3 4 5
(Ngun: VietinBank)
5. Danh sch nhng cng ty m v cng ty con ca t chc ng k nim yt, nhng cng ty m t chc ng k nim yt ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi phi i vi t chc ng k nim yt
5.1. C ng ln
Nh nc l c ng ln ca VietinBank nm gi 89, 23% vn iu l. 5.2. Cng ty con v cng ty lin doanh
Bn cnh cc hot ng chnh ca mt ngn hng thng mi, NHCT cn thc hin cc hot ng khc nh u t vo cc cng ty con v Cng ty lin doanh, lin kt. n 31/12/2008, NHCT gp vn vo 3 cng ty con vi t l s hu l 100% vn iu l, 1 cng ty con vi t l s hu l 75,6% vn iu l v 1 Ngn hng lin doanh vi t l 50% Bng 3: Danh sch cng ty con v cng ty lin doanh ca Vietinbank ti thi im 31/12/2009 S hu ca Vietinbank (%) 100 75,6 100 Vn iu l
STT 1 2 3
Tn Cng ty TNHH mt thnh vin Cho thu ti chnh NH TMCP CT VN Cng ty CP Chng khon NHCTVN Cng ty Qun l N v Khai thc ti sn NH TMCP CT VN
500 t ng 790 t ng 30 t ng
STT 4 5
Tn Cng ty TNHH mt thnh vin Bo him NH TMCP CT VN Ngn hng Lin doanh Indovina
S hu ca Vietinbank (%) 100 50
Vn iu l
300 t ng 125 triu USD
Ngun: Bo co ti chnh kim ton nm 2009 ca VietinBank Cng ty TNHH mt thnh vin cho thu ti chnh Ngn hng Cng thng: Gii thiu chung: L cng ty con ca Ngn hng Cng thng Vit nam, hch ton c lp, thnh lp theo quyt nh s 53/1998/Q-NHNN5 ngy 26/01/1998 ca Thng c ngn hng Nh nc Vit Nam. Giy chng nhn ng k kinh doanh s 112446 do S K hoch v u t H Ni cp ngy 28/03/1998. T thng 8 nm 2009, Cng ty c VietinBank chp thun v NHNN chun y chuyn sang m hnh Cng ty cho thu ti chnh trch nhim hu hn mt thnh vin. n thng 12 nm 2009, vn iu l ca Cng ty tng ln 500 t ng. Tr s chnh: in thoi: 18 Phan nh Phng - Ba nh - H ni 04-38233045 Fax 04-3733579
Ngnh ngh kinh doanh: cho thu ti chnh i vi cc doanh nghip thnh lp theo php lut Vit Nam, trc tip s dng ti sn cho thu theo mc ch kinh doanh hp php; T vn, nhn bo lnh khch hng v nhng dch v c lin quan n nghip v cho thu ti chnh, thc hin cc nghip v khc khi c NHNN v cc c quan chc nng cho php. Cng ty C phn Chng khon Ngn hng Cng th ng Vit Nam
Gii thiu chung: c thnh lp theo Quyt nh s 126/Q-HQT-NHCT1 ngy 01 thng 9 nm 2000 ca Hi ng qun tr Ngn hng Cng thng Vit Nam, hot ng theo Giy php hot ng kinh doanh chng khon s 07/2000/UBCKGPHKD ngy 06/10/2000 v Giy php iu chnh s 156/UBCK-GP ngy 10/10/2008 do y bn chng khon Nh nc cp. Thng 4 nm 2009 Cng ty thc hin thnh cng t IPO v chuyn i sang hnh thc cng ty c phn. Ngy 31/7/2010 c phiu ca Cng ty chnh thc nim yt v giao dch trn S GDCK Thnh ph H Ni vi m giao dch l CTS. Vn iu l sau khi chuyn i l 789,934 t ng, VietinBank nm 75,6% vn iu l.
Tr s chnh: in thoi:
306 B Triu, Qun Hai B Trng, H Ni 04-39741763 Fax 04-39741760
Hot ng chnh: cc hot ng kinh doanh trong lnh vc chng khon bao gm mi gii, t doanh, bo lnh pht hnh, t vn u t, t vn ti chnh v lu k chng khon. Cng ty Qun l n v khai thc ti sn Ngn hng TMCP Cng thng Vit nam
Gii thiu chung: hot ng theo Giy chng nhn ng k kinh doanh s 416000331 ngy 09/10/2008 do S k hoch v u t thnh ph H Ch Minh cp. Tr s chnh: in thoi: 76 Nguyn Vn C, Qun I, thnh ph H Ch Minh 08-39203982 Fax: 08-38367093
Ngnh ngh kinh doanh: tip nhn, qun l cc khon n tn ng v ti sn m bo n vay lin quan n cc khon n x l, thu hi vn nhanh nht, x l cc ti sn m bo n vay, c cu li n tn ng, mua bn n tn ng.... Cng ty TNHH mt thnh vin Bo him Ngn Hng TMCP Cng Thng Vit Nam:
Gii thiu chung: tin thn l Cng ty lin doanh Bo Him Chu - Ngn Hng Cng Thng, mt lin doanh gia Ngn hng Cng thng Vit Nam v Cng ty TNHH Tokyo Marine Insurance Singapore vi t l gp vn 50/50, c thnh lp theo Giy php s 21/GP/KDBH ngy 21/12/2002. Ngy 17/12/2008, B Ti chnh cp Giy php iu chnh s 21/GPC5/KDBH cho php chuyn i Cng ty lin doanh Bo him Chu , trn c s Ngn hng Cng thng Vit Nam mua li ton b vn gp ca pha i tc nc ngoi trong Cng ty lin doanh tr thnh Cng ty trc thuc hch ton c lp 100% vn ca Ngn hng Cng thng Vit Nam.
Tr s chnh: in thoi:
141 L Dun, Hon Kim, H Ni 04-39425650 Fax: 04-39425646
Lnh vc kinh doanh chnh: cc loi sn phm bo him phi nhn th theo quy nh ca php lut, kinh doanh ti bo him lin quan n cc loi nghip v bo him ni trn, qun l cc qu u t, gp vn, mua c phn... Ngn hng lin doanh Indovina
Gii thiu chung: Ngn hng trch nhim hu hn Indovina (IVB) l Ngn hng lin doanh u tin ca Vit Nam c thnh lp ngy 21 thng 11 nm 1990 theo Giy php ca y Ban Nh Nc v hp tc v u t s 135/GP sau c thay bng Giy php s 08/NH-GP do Ngn hng Nh nc Vit Nam cp ngy 29 thng 10 nm 1992. Cc bn lin doanh l Ngn hng Cng thng Vit Nam v Ngn hng
Cathay United (CUB) ca i Loan, l mt thnh vin hon ton trc thuc ca Tp on Ti chnh Cathay - tp on ti chnh ln nht i Loan Tr s chnh: in thoi: 46-48-50 Phm Hng Thi, Qun 1, Tp.H Ch Minh 08-3822 4995 Fax: 08-3823 0131
Lnh vc hot ng chnh: cung cp cc dch v ngn hng nh tin gi, cho vay, dch v th, L/C, chuyn tin...
6. Hot ng kinh doanh

6.1. Hot ng kinh doanh chnh
6.1.1. Tnh hnh huy ng vn Trong giai on 2004 2008, th trng tin t c nhiu bin ng v li sut trong nc v quc t, lm pht v cnh tranh gia cc TCTD trong nc v huy ng vn nh hng n hot ng huy ng vn ca cc NHTM ni chung v Vietinbank ni ring. n nm 2009 v u nm 2010, th trng tng i bnh n, tuy nhin nhng bin ng trong nm 2008 vn tc ng tiu cc n th trng. Mc d mi trng y thch thc, VietinBank thnh cng trong vic tng cng cc hot ng huy ng vn bng cch p dng chin lc huy ng vn vi quan im m bo hot ng kinh doanh song song vi vic tun th cc quy nh hin hnh. Cc chin lc huy ng vn ca VietinBank nh sau: Pht trin cc sn phm mi vi s h tr ca cc hot ng khuyn mi c trng im v tch cc qung b sn phm dch v ti cc c nhn. Xy dng v hon thin cc quy nh v tin gi tit kim, v pht hnh giy t c gi trong h thng Ngn hng. p dng cc sn phm huy ng mi trong th trng ni a v quc t, a dng ha cc sn phm tin gi, linh hot v thi hn v li sut huy ng nh sn phm tit kim rt gc linh hot, sn phm tit kim li sut bc thang theo thi gian v theo s d tin gi, tit kim li sut th ni, pht hnh tri phiu, chng ch tin gi v.v., phi hp vi cc b phn chc nng khc pht trin sn phm th nhm tng cng kh nng huy ng vn. p dng chnh sch li sut linh hot da trn yu t cung - cu, cng nh li sut khc nhau gia cc chi nhnh ca Ngn hng. Vietinbank c h thng mng li rng khp trn ton quc nn c th khai thc ti a li th ca tng vng, min huy ng v s dng vn mt cch c hiu qu.
Ngun vn huy ng ca Ngn hng bao gm: Tin gi thanh ton ca Kho bc Nh nc v cc TCTD khc;
Vay t NHNN; Tin gi c k hn v vay t cc TCTD khc; Tin gi ca khch hng v cc khon phi tr khch hng; Cc ngun vn vay khc. Hnh 7: Phn tch hot ng huy ng vn thi k 2007-2009 Phn loi ngun (2009) Tng ngun vn huy ng (nghn t ng)
5% 19%
0,28%
12%
25 0 20 0 15 0 10 0 155. 4
231 181. 2
64%
Tin gi TT ca KBNN v TCTD khc Vay t NHNN, tin gi CKH v vay t TCTD khc Tin gi ca KH CK n PH v cc qu vay khc Khc
50 0 2007 2008 2009
Ngun: BCTC hp nht kim ton 2007, 2008, 2009 VietinBank Bng 4: C cu huy ng vn ca VietinBank
Ch tiu
Tin gi thanh ton ca KBNN v cc TCTD Vay t NHNN, tin gi CKH v tin vay t cc TCTD khc Tin gi ca khch hng Chng khon n pht hnh v cc qu vay khc Tng
2008 (triu VND)

1.968.678 7.625.709 121.634.466 43.676.827
2009 %
1,13 4,36 69,54 24,97 100
Qu II/2010 %
0,29 12,73 67,33 19,64 100
(triu VND)
642.941 28.087.905 148.530.242 43.330.350 220.591.438
(triu VND)
1.842.049 25.069.284 155.131.205 42.878.876 224.921.414
%
0,82 11,14 68,97 19,06 100
(Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/1010 ca VietinBank)
174.905.6 80
(*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Vay Ngn hng Nh nc: Chi tit cc khon vay NHNNVN nh sau: Bng 5: Vay Ngn hng Nh Nc Vit Nam
2008 Ch tiu
Vay h tr cc khon n khoanh cho DNNN bng VND Vay h tr nn nhn b thin tai Vay h tr cc DNNN Vay thc hin d n Hin i ha ngn hng bng ngoi t Vay thng mi bng VND Vay theo h s tn dng Vay chit khu, ti chit khu cc GTCG Vay khc N trong hn (Vay NHNN bng ngoi t) N qu hn Tng
2009 % (triu VND)

0 0 16.879 55.359 0 0 13.003.510 0 0 0 13.075.748 0,00 100
Qu II/2010 (*) %
0,00 0,00 0,13 0,42 0,00 0,00 99,45
(triu VND)
0 0 43.547 60.444 0 0 0 0 0 0 103.991
(triu VND)
0 0 0 0 0 25.000.000 0 3.413 52.818 13.052 25.069.284
%
0,00 0,00 0,00 0,00 0,00 99,72 0 0,014 0,21 0,05 100
0,00 0,00 41,9 58,1 0,00 0,00 0,00 0,00 0,00 0,00 100
Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/2010 ca VietinBank) Vay t NHNN h tr cc khon n khoanh do tnh trng treo ca cc khon n trc y cp cho cc DNNN theo ch nh ca Chnh Ph. Cc khon vay ny khng chu li sut v c thi hn 5 nm, c th c gia hn khi o hn tu thuc vo tnh hnh thu n thc t. T nm 2006 VietinBank gii quyt xong cc khon n ny. Cc khon vay c bit l cc khon vay t NHNN nhm h tr ngi dn b thin tai trong nm 1997 v 1999 theo hng dn ca Chnh ph. Cc khon vay ny chu li sut 0% n 2,4%/nm. Vay cho vay li nhm gii quyt cc khon n ca cc DNNN l s tin nhn c t NHNN, cho doanh nghip vay li nhm gii quyt cc khon n gia cc DNNN theo chng trnh thanh ton n gia cc DNNN ca Chnh ph. Cc khon vay ny chu li sut 0%/nm. Vay bng ngoi t thc hin D n Hin i ho Ngn hng v H thng Thanh ton l cc khon vay li NHNN t vn vay World Bank thanh ton cho nh cung cp H
thng CNTT ca VietinBank. Cc khon vay ny c thi hn 20 nm v chu li sut t 2,86% n 3,89%/nm (li sut LIBOR 6 thng + chnh lch 1,5% + ph dch v 0,2%). Trong cc khon vay khc nm 2008 gm cc khon vay khc chim t trng nh nh: vay thc hin d n hin i ha ngn hng v vay h tr cc DNNN. Nhm gim bt p lc v tnh hnh thanh khon ti thi im cui nm, Ngn hng tin hnh vay chit khu, ti chit khu giy t c gi vi NHNN vi k hn 14 ngy, li sut 8%/nm. (*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Tin gi ca khch hng Tnh n thi im 31/12/2008, tin gi ca khch hng l 121.634 t ng tng 7,93% so vi 112.693 t ng ti thi im 31/12/2007, trong c s ng gp ln ca tng trng tin gi c k hn bng c VND v ngoi t. n nm 2009, tc tng trng tin gi ca khch hng vn tip tc pht trin, tng 22,11% so vi nm 2008 t 148.530 t ng. Bng 6: Tin gi ca khch hng
Ch tiu Tin gi khng k hn Tin gi khng k hn bng VND Tin gi tit kim khng k hn bng VND Tin gi khng k hn bng ngoi t Tin gi tit kim khng k hn bng ngoi t Tin gi c k hn Tin gi c k hn bng VND Tin gi tit kim c k hn bng VND Tin gi c k hn bng ngoi t Tin gi tit kim c k hn bng ngoi t Chng ch tin gi (CCTG)* CCTG bng VND CCTG bng ngoi t Tin k qu Bng VND Bng ngoi t 2008 (triu VND) 25.714.122 % 21,14 2009 (triu VND) 35.584.000 31.911.986 185.004 3.470.021 16.989 105.915.064 28.710.857 56.101.145 7.112.136 13.990.926 1.140.121 605.068 535.053 4.952.377 4.055.112 897.265 % 23,96 21,49 0,12 2,34 0,01 71,31 19,33 37,77 4,79 9,42 0,77 0,41 0,36 3,33 2,73 0,60 Qu II/2010 (*) (triu VND) 31.966.515 27.723.502 n/a 4.243.012 n/a 116.702.692 99.775.874 n/a 16.926.817 n/a 1.224.786 n/a n/a 5.237.211 n/a n/a % 20,61 17,87 n/a 2,74 n/a 75,23 64,32 n/a 10,91 n/a 0,79 n/a n/a 3,38 n/a n/a
22.819.421 18,76 185.771 2.689.947 18.983 92.359.117 0,15 2,21 0,02 75,93
22.866.272 18,80 49.513.818 40,71 6.280.258 5,16
13.698.769 11,26 0 0 0 2.824.594 2.085.590 739.004 0,00 0,00 0,00 2,32 1,71 0,61
Ch tiu Chuyn tin phi tr Bng VND Bng ngoi t Cc khon phi tr khc Tng
2008 (triu VND) 99.467 60.930 38.537 637.166 121.634.466 % 0,08 0,05 0,03 0,52 100
2009 (triu VND) 155.115 71.968 83.147 783.565 148.530.242 % 0,10 0,05 0,06 0,53 100
Qu II/2010 (*) (triu VND) 155.131.205 % 100
Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/2010 ca VietinBank Ghi ch: (*) nm 2009: Tin gi vn chuyn dng (*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Tin gi ca khch hng c nhn chim t trng ln nht 50,64% tng lng tin gi. ng th 2 l tin gi ca cc t chc kinh t l 44,73% T l tin gi bng VND ngy cng tng ln (c bit l tin gi c k hn) do NHCT c chin lc huy ng tin gi bng ng ni t. NHCT l ngn hng trong nhm dn u v ngun tin gi ni t.
Tin gi ca TCKT Tin gi c nhn TIn gi ca cc i tng khc
50.6%
4.6%
Hnh 8: C cu tin gi nm 2009 v giai on 2007-2009
44.7%
Cng vi vai tr ngy cng quan trng ca tin gi bng ng ni t, NHCT m rng c cu k hn ca tin gi p ng nhu cu khch hng ngy cng chuyn sang tin gi c k hn vi mc li sut cao hn thay v tin gi khng k hn. Theo cc quy nh ca NHNN, NHCT phi duy tr mt khon d tr nht nh ti NHNN di hnh thc d tr bt buc. VietinBank tun th y cc quy nh ca NHNN v tnh ton v duy tr d tr bt buc ti NHNN.
Tin gi ni t (t ng) 160,000 140,000 120,000 100,000 80,000 60,000 40,000 20,00 0 0 2007
Tin gi ngoi t (t ng)
2008
2009
Ngun: Bo co ti chnh kim ton hp nht VietinBank 2007-2009
tng cng bo v quyn li ngi gi tin, VietinBank tham gia mua bo him tin gi ti Bo him Tin gi Vit Nam - Mt t chc ti chnh trc thuc Chnh ph, m bo bt k khi no VietinBank mt kh nng thanh ton, tin gi ca ngi gi tin vn c chi tr 6.1.2. Hot ng tn dng a. Quy m hot ng tn dng Cng vi s tng trng mnh ca h thng ngn hng Vit Nam trong thi gian gn y, VietinBank t tc tng trng mnh v ti sn. T nm 2003 n nm 2008, tng ti sn ca VietinBank tng hn 2 ln, t 94.979 t ng ln khong 193.590 t ng. S tng trng ny ch yu l do tng d n cho vay t 61.752 t ng nm 2003 ln 120.752 t ng nm 2008. n nm 2009, Tng Ti sn ca VietinBank t trn 243 ngn t ng, d n cho vay t trn 163 ngn t ng, tng 35% so vi nm 2008
Hnh 9: Tc tng trng ti sn v d n cho vay

300000 243,785 250000 200000 150000 100000 50000 0 2004 2005 2006 2007 2008 2009 98,601 193,591 166,113 135,442 115,766 25% 20% 15% 10% 5% 0% 30% 180000 160000 163,170 40% 35% 30% 25% 20% 15% 10% 5% 0%
140000 120,752 120000 102,191 100000 74,63280,152 80000 69,239 60000 40000 20000 0 2004 2005 2006 2007 2008 2009
Tng ti s n (nghn t ng) Tng trng ti s n (%)
Tng d n cha tnh d phng n xu (nghn t ng) Tng trng tn dng (%)
Ngun: Vietinbank K t khi thnh lp, hot ng cho vay l phn trng tm trong chin lc kinh doanh ca VietinBank. Tuy nhin, k t nm 2005 tc tng trng hng nm ca tng ti sn v d n cho vay gim. T trng d n cho vay trn tng ti sn ca VietinBank gim do nhiu nguyn nhn, m ch yu l do VietinBank c chin lc chuyn dch c cu hot ng trc tip sang kinh doanh dch v - ph hp vi thng l quc t v hot ng ca ngn hng hin i. Mt khc, VietinBank nhn thc r vic qun tr ri ro trong hot ng cho vay v iu hnh hot ng tn dng st hn vi cc quy nh quc t cng nh cc quy nh ca NHNN v qun tr ri ro theo Basel II v phn loi n, trch lp d phng ri ro, m bo t l an ton trong hot ng. VietinBank n lc xy dng cc h thng chnh sch, qun l v theo di, m bo cho cc khon vay c kim sot cht ch, an ton v hiu qu vi chin lc l cng c v nng cao cht lng tn dng. VietinBank hon thnh vt mc n x l c Chnh ph ph duyt nn tc tn dng tng chm hn tc tng trng tng ti sn. Nhng nm gn y, t trng d n cho vay trn tng ti sn c sinh li gim, trong khi cc hot ng dch v ca ngn hng nh: hot ng kinh doanh ngun vn, chuyn tin kiu hi, bo lnh v ti bo lnh, ti tr thng mi v.v. tng mnh. Trong tng lai, cc hot ng ti chnh ngoi cho vay nh tin gi v u t d kin s ng vai tr quan trng trong vic a dng ho danh mc u t, gim thiu ri ro cng nh m bo tnh thanh khon ca VietinBank. b. Hiu qu ca hot ng tn dng Thu nhp li v thu nhp li thun t hot ng cho vay tng trng mnh qua cc nm:
Hnh 10: Thu nhp li t cho vay khch hng v cc khon thu nhp tng t thi k 2007-2009
Hnh 11: C cu thu nhp li v cc khon thu nhp tng t nm 2009
2000 0 1500 0 1000 0 500 0
17,03 3
18,91 2
17.82 %
0.08 %
6.24%
9,35 0
0.56 % 75.30%
2007 2009
2008 T N li t t in gi cc T CT D T N li t cho t hu T C T N li khc T N li cho vay KH T N li t u t CK
Thu nhp li t cho vay khch hng (t ng)
Ngun: BCTC hp nht kim ton 2007-2009 VietinBank Thu nhp li v cc khon thu nhp tng t t hot ng cho vay trong nm 2009 t mc 18.912 t ng, tng 11% so vi nm 2008. c. C cu d n Hnh 12: C cu d n theo ngnh kinh t C cu d n giai on 2007-2009 C cu d n theo ngnh kinh t 2009
Thng mi,dch v Xy dng Giao thng Vn ti Khc 17% 5% 4% 8% 9% 9% 10% 11% 11% 26% 28% 24% 21% Sn xut, ch bin in,c kh Nng lm thy sn 4% 16% 9% 10 % 11 % 25 % 25.09% 38 % 3% 9.78% 38.10% 9.35% 3.24% 3.49%
10.94%
2007
2008
2009
Ngun: Bo co ti chnh hp nht kim ton 2009 VietinBank
S pht trin ca danh mc tn dng theo ngnh hng phn nh tnh hnh pht trin kinh
t chung ca t nc. D n tn dng ca VietinBank i vi cc ngnh nng, lm, thu sn chim 7% tng d n tn dng nm 2004 v gim xung cn 3,25% nm 2009. Trong nm 2009, d n tn dng ca ngnh thng mi v dch v chim t trng ln nht vi 38,17%, tip n l ngnh cng nghip ch bin v sn xut chim t trng 25,14%. Xu th ny ph hp vi chin lc tn dng ca VietinBank giai on sp ti -
tp trung vo cc ngnh ng vai tr quan trng trong nn kinh t ang pht trin ca Vit Nam l: Thng mi, Sn xut v Ch bin, Xy dng, in, Nng lng v Du kh, Vin thng. Ngoi ra, hu ht cc chi nhnh ca VietinBank c t ti trung tm cc khu ch xut, khu cng nghip, khu th ln nn th mnh ca Ngn hng l tp trung tn dng vo cc ngnh hng ny. Chin lc tn dng ca VietinBank ti nm 2010 l hn ch tn dng i vi cc ngnh pht trin n giai on bo ho v km cnh tranh trong nn kinh t hi nhp ca Vit Nam. Hnh 13: C cu d n nm 2009 theo thi gian Trong nm 2009, n ngn hn chim t trng ch yu trong c cu n ca Vietinbank vi 57,2%, thp hn so vi t trng 58,1% tng d n trong nm 2008.
13.7% 57.2 %
N ngn hn N trung hn N di hn
29.1%
Ngun: BCTC hp nht kim ton 2009 VietinBank a dng ho danh mc tn dng Hnh 14: C cu d n thi k 2007 - 2009 theo thnh phn kinh t cng theo loi hnh DN c ch trng. Nm 2004, khch hng truyn thng ca VietinBank ch yu l cc DNNN (chim khong 45% d n tn dng) gm nhiu doanh nghip Nh nc a phng. Tuy nhin, nm 2005, cc khon tn dng DNNN gim cn 38%, tn dng i vi cng ty TNHH, cng ty c phn v cng ty t nhn tng ln 46%. Xu th ny tip tc pht trin trong nm 2009, trong cho vay DNNN ch chim 33,40% tng d n, c nhn v cc loi khc chim 27,9%. Chim khong 38,70%, phn cn li l
180000 160000 140000 120000 100000 80000 60000 40000 20000 0 46,64 5 25, 60,60 8 27,89 3 29,12 1 45,479
59,871
54,566
28,
2007
2008
2009
Kinh doanh c th v cc loi hnh khc DN ngoi quc doanh FDI DNNN
doanh nghip ngoi quc doanh v FDI. Ngun: BCTC hp nht kim ton 2007 2009 VietinBank Yu t chnh dn n s thay i ny l do chin lc tn dng ca VietinBank c s thay i cho ph hp vi din bin chung ca nn kinh t, nhm tng hiu qu hot ng, gim thiu ri ro. Tn dng doanh nghip Hot ng kinh doanh chnh ca VietinBank l cung cp tn dng cho khch hng l doanh nghip. T hot ng tn dng truyn thng l cho vay cng nghip, thng nghip, VietinBank m rng sn phm tn dng cho tt c cc doanh nghip thuc mi thnh phn kinh t c nhu cu vay vn sn xut, kinh doanh, cung cp dch v v u t pht trin. VietinBank khng ch ch trng n cc doanh nghip ln c cc d n trng im, an ton, c hiu qu v c kh nng tr n tt, mt khc ph hp vi xu hng pht trin ca nn kinh t, VietinBank cng rt ch trng pht trin sn phm tn dng i vi khi cc DNVVN. Cc khch hng ln ca VietinBank bao gm cc Tp on v Tng Cng ty nh: Tp on Du kh Quc gia (Petro Vit Nam), Tp on in lc Vit Nam, Tp on Than v Khong sn Vit Nam, Tng Cng ty Lng thc Min Bc, Tng Cng ty Xi mng Vit Nam, Tng cng ty Thp, Tng cng ty Xut nhp khu xy dng Vinaconex, Tng cng ty Xng du (Petrolimex), Tng cng ty Bu chnh vin thng Vit Nam v.v. Cc d n tn dng ln VietinBank k kt trong u nm 2009 bao gm: D n Nh my lc du Dung Khut 200 triu USD; D n t hp Boxit nhm Lm ng tr gi 72 triu USD; D n cao c Bitexco TP HCM tr gi 15,6 triu USD (ng ti tr vi Ngn hng u t v pht trin; D n Nhit in Qung Ninh 2 tr gi 60 triu USD; D n Nh my nhit in Hi Phng tr gi 84 triu USD. D n cho vay doanh nghip NN hin chim 33,40% tng d n, c nhn v
DNNN FDI DN ngoi quc doanh Kinh doanh c th v cc loi hnh khc
Hnh 15: C cu d n 2009 theo loi hnh DN

27.9% 33.4%
2.0% 36.7%
Ngun: BCTC hp nht kim ton 2009 VietinBank
cc loi hnh khc chim khong 27,9%, phn cn li l doanh nghip t nhn, FDI, kinh t tp th. Vi nh hng pht trin nhm khch hng doanh nghip va v nh, ngay t nm 2003, VietinBank thnh lp b phn chuyn trch phc v khch hng DNVVN xuyn sut t Tr s chnh ti cc chi nhnh. ng thi VietinBank cng rt ch trng vic pht trin sn phm dch v ph hp vi cc DNVVN. Ngoi cc sn phm dch v p dng vi mi i tng khch hng, bng ngun vn t huy ng hoc kt hp vi cc ngun vay quc t, VietinBank thit k ti 9 chng trnh tn dng cho DNVVN vi d n ca cc Chng trnh ny khong 1.100 t ng. VietinBank thc hin chnh sch khng phn bit i x i vi mi qui m doanh nghip, loi hnh, thnh phn kinh t. Bn cnh , thu ht v gi vng cc khch hng tt, NHCT thc hin nhiu hot ng h tr trin khai nhiu sn phm dch v phi ti chnh nh cung cp thng tin, t vn, o to, t chc hi ngh, hi tho, h tr khch hng tham gia cc s kin v.v. min ph cho DNVVN. Ngn hng cng khai thc nhiu ngun vn u i ca cc t chc trong v ngoi nc nh SMEDF, JBIC, KFW, phi kt hp vi ngun vn thng mi ca VietinBank thit k nhiu sn phm tn dng dnh ring cho DNVVN. VietinBank l NHTM duy nht c la chn qun l 2 qu bo lnh tn dng dnh cho DNVVN v l Ngn hng c Website ring phc v i tng khch hng ny (http://www.vietinbank.vn/sme). Vi n lc pht trin khch hng DNVVN, VietinBank c Chnh Ph, Ngn hng Nh nc, Cc Pht trin DNVVN - B KHT, cc i tc cc T chc trong v ngoi nc nh B Ti chnh, NHNN, Hip hi DNVVN, cc i tc v.v. ghi nhn l t chc lun i tin phong trong phc v cc DNVVN. VietinBank hin l i din Vit Nam duy nht k kt tho thun vi cc t chc ti chnh APEC v s pht trin ca DNVVN, ng thi tham gia Ban chp hnh v k Tho thun hp tc vi cc Hip hi DNVVN Vit Nam, Hip hi cc DNVVN Cng thng to tin pht trin nhm khch hng ny. Tn dng doanh nghip ca VietinBank ch yu l bng VND, ph hp vi nhu cu ca cc doanh nghip v nn kinh t cng nh chnh sch qun l ngoi hi ca NHNN. VietinBank cung cp cc sn phm tn dng a dng cho doanh nghip bao gm: Cho vay tng ln: VietinBank p dng phng thc cho vay tng ln cho mi khch hng c nhu cu vay vn khi khch hng p ng c cc iu kin vay vn theo quy nh ca Php lut v quy ch ni b ca Ngn hng. Cn c vo k hoch
sn xut kinh doanh, nhu cu vay vn ca khch hng v.v. khch hng s c cp cho mt khon tn dng c th, trong mt khong thi gian nht nh. Cho vay theo hn mc tn dng: phng thc ny c p dng i vi khch hng vay c nhu cu vay vn thng xuyn, c uy tn trong quan h thanh ton, tn dng vi Ngn hng, sn xut kinh doanh n nh, mt hng a dng. Cn c vo phng n, k hoch sn xut, kinh doanh, nhu cu vay vn ca khch hng, ti sn bo m tin vay, NHCT v khch hng xc nh v tho thun mt hn mc tn dng duy tr trong thi hn nht nh hoc theo chu k sn xut, kinh doanh. Cho vay theo d n u t: VietinBank cho khch hng vay vn thc hin cc d n u t pht trin sn xut, kinh doanh, dch v v cc d n u t phc v i sng. Cho vay theo hn mc tn dng d phng: Phng thc cho vay ny p dng i vi khch hng c nhu cu d phng ngun vn tn dng trong mt khong thi gian nht nh nhm m bo kh nng ch ng v ti chnh khi thc hin sn xut kinh doanh, dch v, i sng. Trong thi hn hiu lc rt vn ca hp ng khch hng phi tr ph cam kt theo mc quy nh ca VietinBank. Cho vay hp vn (ng ti tr): VietinBank cng mt hoc mt s t chc tn dng khc thc hin cho vay i vi mt d n vay vn hoc phng n vay vn ca khch hng; trong , VietinBank hoc mt t chc tn dng khc lm u mi dn xp. Cho vay hp vn c thc hin theo quy ch ng ti tr ca NHNN v hng dn ca VietinBank. Ngoi ra, tu theo nhu cu ca khch hng v thc t pht sinh, VietinBank s xem xt cho vay theo cc phng thc khc ph hp vi c im hot ng trong tng thi k v khng tri vi quy nh ca php lut nh cho vay tr gp, cho vay thng qua nghip v pht hnh v s dng th tn dng, vay VND li sut USD, vay bo m bng b chng t xut khu, vay thu chi, nhn y thc cho vay, cc sn phm bo lnh, chit khu, ng ti tr v.v. Tn dng c nhn VietinBank cp cho khch hng c nhn nhiu loi sn phm tn dng, bao gm ch yu hai nhm sn phm: Cho vay sn xut kinh doanh, dch v v u t pht trin: bao gm cho vay c nhn, h gia nh sn xut kinh doanh, xy dng thng mi, u t, di hn, cho vay nng nghip v pht trin nng thn
Cho vay tiu dng: mua nh, xy dng v sa cha nh, mua t, du hc, cha bnh
Cc phng thc cho vay cng rt linh hot, bao gm cho vay tng ln, cho vay theo d n u t, cho vay tr gp v.v. Khch hng ch yu l nhng ngi tiu dng c mc sng kh v CBCNV c mc thu nhp cao. Theo s liu thng k 31/12/2009 ca VietinBank, d n cho vay khch hng c nhn chim khong 21,14% trong tng d n. Trong giai on hin nay, y cha phi lnh vc kinh doanh trng tm trong chin lc tn dng ca VietinBank. Chnh sch tn dng Chnh sch tn dng ca VietinBank thc hin theo c ch th trng, tn dng trn c s an ton, hiu qu, xp hng khch hng, khng phn bit thnh phn kinh t. Chnh sch tn dng ca VietinBank ph hp vi cc quy nh ca php lut v tng bc hng ti chun mc quc t, dn dt hot ng tn dng theo mc tiu, nh hng t ra ca VietinBank v dnh u i v gii hn tn dng, li sut cho cc khch hng chin lc. VietinBank hon thin, ban hnh li v ban hnh mi y h thng cc vn bn, c ch nghip v tn dng, qui nh c th ha cc iu kin la chn khch hng, cp tn dng, quy trnh cho vay bo lnh, quy trnh nhn v x l ti sn m bo, trin khai thc hin theo tiu chun ISO 9001. Hin nay VietinBank c b phn chuyn trch son tho v ban hnh cc c ch, quy trnh, quy nh tn dng v thng xuyn b sung chnh sa m bo ngy cng ph hp vi iu kin thc t ca th trng. d. Mc an ton vn T l an ton vn
(Capital
Hnh 16: T l an ton vn 2007-2009

11.62 14 12.02 12 10 8 6 4 2 0 2007 2008 2009 8.0 6 Car (%)
Adequacy Ratio CAR) l mt ch tiu quan trng phn nh nng lc ti chnh ca cc ngn hng. Ch tiu ny c dng xc nh kh nng ca ngn hng trong vic thanh ton cc khon n c thi hn v i mt vi cc ri ro khc nh ri ro tn dng, ri ro vn hnh. Ngun: VietinBank CAR = [(Vn cp I + Vn cp II) / (Ti sn iu chnh ri ro)] * 100% y cng l mt trong 5 tiu chun quan trng nht m cc ngn hng thng mi phi p ng m bo an ton hot ng, theo nh hng qun l ri ro ca Ngn hng
Nh nc theo tng thi k (4 tiu chun cn li bao gm yu cu vn t c, t l kh nng chi tr (thanh khon), gii hn cho vay v bo lnh thng mi, gii hn s dng vn ngn hn cho vay trung, di hn). Theo iu 4 Quyt nh s 457/2005/Q-NHNN, t chc tn dng, tr chi nhnh ngn hng nc ngoi, phi duy tr t l ti thiu 8% gia vn t c so vi tng ti sn c ri ro theo ng tiu chun ca Basel I do y ban gim st cc ngn hng Basel ban hnh. Tuy nhin, trn th gii, vic p dng h s an ton vn ti thiu hin ph bin theo tiu chun ca Basel II vi mc 12%. e. N kh i v ri ro li sut Vic phn loi cc khon n VietinBank tun theo quy nh ca NHNN, theo cc khon n c xp vo 5 nhm: N tiu chun, N cn ch , N di tiu chun, N nghi ng, v N c kh nng mt vn. Vic phn loi n theo khch hng, mi khch hng ch thuc duy nht mt nhm n (bao gm c cc cam kt ngoi bng) v tt c cc khon n u
50 0 0 2007 100 0 150 0 200 0
Hnh 17: Qu d phng ri ro cho vay khch hng 2007-2009

2500 215 0 170 8 1551
phi phn loi vo nhm ca khon n c trng thi n xu nht. Nguyn tc trch d phng ri ro l tr gi tr ti sn m bo. Hng ngy, h thng tn dng s nhc nh cc cn b tn dng v cc khon n n hn cc khon n sp n hn v cc khon n qu hn. Cn b tn dng s lin
2009
2008
D phng cho vay khch hng (t ng)
Ngun: BCTC hp nht kim ton 2007-2009
h yu cu khch hng thanh ton phn gc v li ng hn cng nh n c khch hng tr cc khon n qu hn. Trong trng hp khch hng khng tr c n, h thng s t ng chuyn khon n sang loi thp hn theo quy nh. Cc khon n thuc nhm N di tiu chun, N nghi ng v N c kh nng mt vn c coi l cc khon n xu (NPL), Phng Qun l n c vn qun l, thng xuyn theo di, xut trnh Ban lnh o cc bin php x l thu hi n.
Theo Quyt nh s 493/2005/Q-NHNN ngy 22/04/2005 ca NHNN v Quyt nh 18/2007/Q-NHNN ngy 25/04/2007 b sung sa i Quyt nh 493, VietinBank thc hin trch lp d phng c th v d phng chung cho tng nhm n nh sau, trong d phng c th c trch lp trn ri ro tn dng thun ca cc khon cho vay theo cc t l tng ng vi tng nhm, d phng chung c trch lp d phng cho nhng tn tht cha xc nh c trong qu trnh phn loi n v trch lp d phng c th, v trong cc trng hp cc t chc tn dng gp kh khn v ti chnh khi cht lng cc khon n suy gim. Bng 7: T l trch d phng ri ro tn dng theo quy nh ca NHNN Vit Nam Nhm n 1. N tiu chun 2. N cn ch 3. N di tiu chun 4. N nghi ng 5. N c kh nng mt vn T l trch d phng c th Khng 5% 20% 50% 100% T l trch d phng chung 0,75% 0,75% 0,75% 0,75% 0,00%
Ngun: Bo co kim ton 2009 VietinBank Theo n ti c cu ca VietinBank (VietinBank bt u ti c cu v ti chnh vo 31/12/2000) tng n tn ng cn x l l 9.485 t ng, chim 27% gi tr cc khon vay. S n tn ng pht sinh sau l 529 t ng. Sau 5 nm thc hin ti c cu, VietinBank x l c 9.762 t ng n tn ng, t 102,9% k hoch ca n x l n tn ng. VietinBank hon thnh n x l n tn ng c Th tng Chnh ph v Thng c NHNN ph duyt. T l n xu ca VietinBank ti 31/12/2006 l 1,41%, 2,3% v 1,82% vo thi im cui nm 2007 v 2008 cho thy tnh hnh qun l n xu ca VietinBank c ci thin. c bit, trong nm 2009, t l n xu ca VietinBank ch mc 0,61%, thp nht trong h thng ngn hng Vit Nam.
Hnh 18: Phn loi n nm 2009

Nhm n 1. N tiu chun 2. N cn ch 3. N di tiu chun 4. N nghi ng D n thi im 31/03/2010 170.847.494.800.490 4.615.341.978.853 415.424.123.853 278.779.720.376
2.59% 0.16% 0.24% 0.31%
N tiu chun N cn ch N di tiu chun N nghi ng N c kh nng mt vn
5. N c kh nng mt vn
545.561.594.514
96.71%
Ngun: Bo co ti chnh hp nht Qu II/2010 VietinBank Bng 8: Tng hp cc d n cp tn dng v cho vay ng ti tr tnh n 31/12/2009
STT
(1)
Tn D n
(2)
S tin cam kt thm nh v k kt cp tn dng

(3)
Ghi ch (D n ng ti tr: x)
(4)
u t khai thc phn di mc - 50 M than H Lm Cng ty c phn than H Lm D n thy in Cn n D n Nh my xi mng Chinfon Hi Phng D n u t tu ch du Vinalines Galaxy D n u t tu ch hng kh Vinalines Global D n u t tu ch hng kh Seabee
1.065 t ng S tin k HTD 541,520 tr, 18,630,607 USD trong NHCT cho vay 51% S tin k HTD 960 t v 60 triu USD trong NHCT cho vay 100 t 54.297.890 USD
x NHCT H Ty v Bnh Phc lm u mi TT vi NH Ngoi thng
5 6
65.179.350 USD, trong NHCT cho vay 31,500,000 USD 15.645.000 USD
TT vi Cathay United Bank v Indovina Bank
STT
Tn D n
S tin cam kt thm nh v k kt cp tn dng
Ghi ch (D n ng ti D n ng ti tr NHCT Vit Nam l u mi thu xp vn
D n phng v tinh vin thng Vinasat D n mua tu vn ti du kh trng ti 49.000 tn ca Cty Vn ti Bin ng D n BOT Quc l 1A - on Trnh Thnh ph Thanh Ho D n giai on I Nh my Bia Si Gn - Sng Lam D n giai on I Nh my Bia Si Gn - Qung Ngi D n T hp khch sn 5 sao ca Cng ty TNHH SXKD XNK Bnh Minh D n Trung tm thng mi dch v ti chnh ca Cng ty TNHH SXKD XNK Bnh Minh D n Khu cng nghip v th VSIP Bc Ninh ca Cty CP pht trin th v khu cng nghip Vit Nam Singapore D n ui hi nh my in Ph M 2.1 D n ui hi nh my in Ph M 2.1 m rng D n thy in S San 3 D n thy in Bun Kp
86,16 triu USD
47.000.000 USD
9 10 11 12 13
383 t ng 893,6 t ng 779 t ng 389,3 t ng 31,5 triu USD x x
14 15 16 17 18
38 triu USD 20 triu USD 40 triu USD 609 t ng 350 t ng x D n ng ti tr NHCT Vit Nam l u mi thu xp vn x x D n ng ti tr NHCT Vit Nam l u mi thu xp vn D n ng ti tr NHCT Vit Nam l u mi thu xp vn x
19
D n thy in Bn V
966 t ng
20 21
D n thy in Sng Ba H D n thy in S San 4
681 t ng 500 t ng
STT
Tn D n
S tin cam kt thm nh v k kt cp tn dng 600 t ng
Ghi ch (D n ng ti D n ng ti tr NHCT Vit Nam l u mi thu xp vn. X
22
D n thy in Sng Tranh 2
23 24 25 26 27 28 29 30
D n thy in Sn La D n u t xy dng cao c phc hp Ngn Bnh D n cng Ci Cui D n u t tu dch v du kh a nng u t 26 my bay D n nh my lc du Dung Qut Nh my m C Mau D n xy dng mng 3G + D n Xi mng Cm Ph
5.000 t ng 1.650 t ng 669 t ng 670 t ng 60 triu USD 200 triu USD 220 triu USD 1.100 t ng 1.830 t ng 74 triu USD
31
+ D n Xi mng Hi Phng
(Ngun: VietinBank) 6.1.3. Hot ng kinh doanh ngoi t Trong nm 2009, tng kim ngch xut khu v nhp khu ca Vit Nam ln lt t trn 56,5 t USD v 67,5 t USD, tng so vi mc 62,7 t USD nm 2007. Tng gi tr vn ODA cam kt t 8 t USD, vn u t trc tip nc ngoi (FDI) t gn 25,1 t USD. l nhng iu kin thun li cho kinh doanh ngoi t. Vi th trng trng im l th trng ni a, cc khch hng chnh ca Vietinbank ch yu l cc khch hng c quan h kinh doanh xut - nhp khu trong cc lnh vc then cht nh Cng nghip v Thng mi, Giao thng vn ti; Du v kh t; in, Bu chnh vin thng; nng lm, thy hi sn. VietinBank p ng y nhu cu mua ngoi t ca khch hng, trong c Tng Cng ty Xng du Vit Nam, Tng Cng ty lng thc Min Bc, Tng Cng ty Thp Vit Nam, Tp on Cng nghip Than Khong sn Vit Nam, Cng ty c phn Xut nhp khu Minh Ph,
Doanh s mua bn ngoi t trong khu vc ni a trong nm 2007 t 3,2 t USD, tng 27,48% so vi nm 2006 (t 2,5 t USD), trong nm 2008 l 7,5 t USD, tng 134% so vi nm 2007. Nm 2009, doanh s mua bn ngoi t ca VietinBank l 10.5 t USD, tng 40% so vi nm 2008, chim khong7% th phn trong mng kinh doanh ny.
Hnh 19: Doanh s mua bn ngoi t trong khu vc ni a thi k 2007 - 2009
12 10 8 6 4 2 3. 2 7. 5
10.5
200 7
200 8
200 9
Doan h s m u a bn n goi t tron g k h u vc n i a (t US D)
Ngun: VietinBank Nhm m bo gim thiu ri ro mt cch hp l, VietinBank a ra cc hn mc khc nhau, c p dng ti Tr s chnh, bao gm: Hn mc dnh cho i tc Hn mc chn thua l Hn mc dnh cho mi nhn vin giao dch t doanh trn th trng ngoi hi quc t.
Cc hot ng kinh doanh ngoi t ca VietinBank do Phng Kinh doanh Ngoi t thc hin, v c h tr bi cc phng ban nghip v khc. Tt c cc chi nhnh tuy khng c phng kinh doanh ngoi t ring, nhng u c php thc hin cc giao dch mua bn ngoi t vi cc t chc v c nhn, theo quy nh ca NHNN v VietinBank. NHNN cp php cho cc nh ch ti chnh cung cp 4 hnh thc kinh doanh ngoi hi, bao gm: giao dch giao ngay, giao dch k hn, giao dch hon i v giao dch quyn chn. VietinBank ang thc hin cc hot ng ny ng theo quy nh ca NHNN, p ng c cc nhu cu v dch v ngoi t ca th trng. 6.1.4. Hot ng kinh doanh th VietinBank c k hoch tr thnh ngn hng pht hnh th hng u Vit Nam bng vic pht trin hot ng kinh doanh th vi s a dng v sn phm, nng cao nng lc cnh tranh vi thng hiu uy tn v phong cch chuyn bit. vic coi chi nhnh l knh ch lc, ng thi pht trin mnh cc knh gin tip v knh t ng VietinBank ch trng tng cng phn phi cc sn phm v dch v th ti khch hng vi vic coi
50
chi nhnh l knh ch lc, ng thi pht trin mnh cc knh gin tip v knh t ng. Th ni a Thng k n cui nm 2009, Vietinbank thu ht trn 3 triu khch hng c nhn dng th ATM vi gn 1.000.000 th mi c m trong nm 2009. Tnh n cui nm 2009, s th ghi n ni a ca Vietinbank t trn 3,2 triu th. Th phn th ca VietinBank chim 17% th trng th trong nc. Hot ng kinh doanh th thc s tr thnh mt dch v ngn hng hin i mang tnh nn tng, l mi nhn cho chin lc pht trin dch v ngn hng bn l, m ra mt hng mi cho vic huy ng vn, gip gim li sut u vo cho VietinBank. VietinBank hin ang s hu mng li ATM vi 1.292 my, t ti tr s cc chi nhnh, cc phng giao dch ca Ngn hng, khu dn c tp trung, c quan, trng hc, v.v trn ton quc. Ring trong nm 2009, c 1.330 POS c lp mi. Th E-Partner c ci tin nhiu chc nng v tin ch, p ng ngy cng nhiu dch v thng qua th nh t ng nhn tin kiu hi qua th, thanh ton tin in, cc vin thng trc tuyn, mua cc loi th vin thng tr trc ca Vinaphone, Mobiphone v.v., gi tit kim c k hn ti ATM, thanh ton v tu vi Cng ty ng st Si Gn, ng st H Ni ti cc chi nhnh v ATM ca VietinBank, tra cu, thng bo bin ng s d ti khon qua SMS, np tin ti khon vin thng qua SMS (dch v VNTopup) v.v. Tnh n ht nm 2009, s d tin gi m bo thanh ton th ATM t 2.066 t ng, tng 68% so vi nm 2008 v gn gp i so vi nm 2007. Ngy 23/05/2008, h thng Banknetvn (gm 14 ngn hng vi 3.480 my ATM v 11.750 POS, chim gn 67% th phn v my ATM ti Vit Nam) kt ni thnh cng vi h thng Smartlink. Trong giai on u kt ni 2 lin minh th ny, VietinBank tr thnh 1 trong 3 ngn hng u tin trong lin minh Banknetvn kt ni thnh cng vi 2 ngn hng trong lin minh Smartlink (gm Ngn hng thng mi c phn Ngoi thng Vit Nam v Ngn hng TMCP K thng Vit Nam). Vi vic kt ni thnh cng ny, ch th E-partner ca VIETINBANK khng ch thc hin giao dch c ti h thng cc ATM ca cc ngn hng trong lin minh Banknetvn m cn thc hin c giao dch ti h thng ATM ca 2 ngn hng trong lin minh Smartlink vi hn 3.600 my trn ton quc v 90% th phn th trn th trng th Vit Nam. Trong thi gian ti VietinBank d nh s lin thng Banknet vi mt t chc th ca Trung Quc thng qua lin kt ca SmartLinhk vi t chc ny. Th quc t Tnh n ht nm 2009, VietinBank pht hnh c gn 20.000 th Cremium (th tn dng quc t VISA, MasterCard), trong pht hnh mi trong nm 2009 trn 9.800 th. VietinBank c k hoch tng gp i s lng th ghi n v gp 5 ln s lng th tn dng quc t vo nm 2010.
51
Cc sn phm th Cremium hng Vng, Chun, Xanh vi hn mc tn dng t di 10 triu n 300 triu ng, p ng nhu cu a dng ca cc khch hng. Ch th thng xuyn c tham gia cc chng trnh loyalty, Marketing khuyn khch chi tiu. Do VietinBank thc hin chin lc thn trng trong la chn khch hng cung cp dch v th tn dng nn cha c trng hp khch hng thanh ton chm. Hin nay, VietinBank cha cho php rt tin vt qu hn mc nhng VietinBank cng d kin s cung cp dch v ny cho khch hng da trn c s nh gi qu trnh s dng tn dng ca tng khch hng. Hot ng thanh ton th VietinBank chnh thc tr thnh ngn hng thng mi th hai Vit Nam thc hin kt ni thnh cng th tn dng quc t vi h thng ATM ca VietinBank t thng 12 nm 2005, cho php ch th Visa v Master c th rt tin ti my ATM ca VietinBank. Ngoi ra, VietinBank cng l ngn hng u tin chp nhn thanh ton th CHIP theo chun EMV. Doanh s thanh ton th nm 2009 t 623,5 t ng xp x bng nm 2008. Nguyn nhn ch yu do nn kinh t Th gii v Vit nam ang trong giai on phc hi sau cuc khng hang kinh t ton cu. H thng VietinBank chp nhn cc loi th VISA, MasterCard, JCB, vi t chc th thanh ton DinerClub, Amex, hin VietinBank ang xc tin cc bc m phn tr thnh ngn hng i l thanh ton cho t chc ny. Hnh 20: Tc tng pht hnh th
S lng th ghi n 3,250,0 00
S lng th tn dng
13,821
2,300,000 1,273,7 99 588,0 08

1,39 0 2,41 0
4,000
2006 2009
2007
2008
2006 2009
2007
2008
Ngun: VietinBank 6.1.5. Hot ng gp vn v u t Hot ng gp vn Cc hot ng u t, gp vn lin doanh, lin kt ngy cng c m rng v tng trng. VietinBank hin ang gp vn vo 04 cng ty con (trong VietinBank nm gi 100% vn ca 03 cng ty con v 75,6% ca 01 cng ty con) v 01 cng ty lin
52
doanh. Gi tr s sch ca cc khon gp vn tnh n 31/03/2010 l 1.174 t ng, u t vo cng ty lin doanh l 1.002 t ng tnh theo mnh gi. i vi hot ng gp vn lin doanh lin kt, gi tr rng ca cc khon u t tnh theo phng php vn ch s hu t 579,5 t ng nm 2007, tng 30% so vi nm 2006 v nm 2008 t 761,33 t ng, tng 31,3% so vi nm 2007. n nm 2009, t l ny tng 31,6%. Bn cnh , VietinBank cn u t vo mt s t chc tn dng v t chc kinh t khc vi t l c phn khng chi phi, bao gm NHTMCP Si gn Cng thng, NHTMCP Gia nh, Qu Tn dng Nhn dn Trung ng, Cng ty CP Chuyn mch Ti chnh Quc gia Vit Nam, v Cng ty CP Xi mng H Tin II, Cao su Phc Ha, Cng ty CP Gang thp Thi Nguyn, Cng ty CP u t v kinh doanh vng Vit Nam... Ti thi im 31/12/2009, tng mc u t vo cc t chc ny tr gi 166,446 t ng theo gi tr ghi s. Thng qua cc hot ng u t, VietinBank ang n lc m rng v pht trin cc hot ng kinh doanh cng nh tng cng nng lc cnh tranh ca mnh vi nh hng chin lc sau: Tp trung v u tin hng u cho nhng hot ng u t vo nhng lnh vc m VietinBank c kh nng ring bit, c bit l lnh vc dch v ngn hng v ti chnh. Thit lp cc mi quan h chin lc vi cc i tc, hp tc lu di vi cc cng ty v doanh nghip ln, c th l vi cc t chc trong nc v quc t c th mnh v tim nng chin lc. Pht trin cc hot ng ca cc cng ty m VietinBank u t. Pht trin c cu v qun l danh mc u t mt cch ch ng v hiu qu. VietinBank kim sot v gy nh hng i vi phn vn u t thng qua vic qun l cc cng ty m VietinBank u t di cc hnh thc: Vi cng ty m VietinBank nm gi 100% vn: VietinBank b nhim Ban Gim c, K ton trng, Trng Ban Kim sot, xy dng iu l cng ty v c cu t chc, chin lc kinh doanh v cc vn khc lin quan n hot ng ch yu ca cng ty; Vi cc cng ty m VietinBank nm gi quyn kim sot hoc c phn chi phi: Ngn hng c th xut i din ca mnh l cc thnh vin ca Hi ng qun tr v Ban Gim c, nhng ngi tham gia xy dng iu l cng ty v ng thi l c ng ca cng ty; Vi cc cng ty VietinBank nm gi c phn khng chi phi: tham gia vi t cch l c ng ca cng ty. Hot ng u t chng khon Chng khon u t
53
Ngoi cc chng khon vn nu trn VietinBank cng m rng danh mc u t vo cc cng c n nh Tri phiu Chnh ph, Tn phiu Kho bc, Tn phiu NHNN, Tri phiu Chnh quyn a phng, Tri phiu NHTM, Tri phiu doanh nghip v.v. vi s d hng chc nghn t ng v tr thnh nh to lp th trng, thc y th trng tri phiu Vit Nam pht trin. Danh mc tri phiu do VietinBank nm gi c mc sinh li tt, tnh thanh khon cao, gp phn rt ln vo vic bo m thanh khon cho ngn hng v nng cao hiu qu kinh doanh. Tnh n 31/12/2009, s d chng khon u t (hon ton l cc cng c n) ca Ngn hng l 38.977 t ng. Danh mc chng khon c a dng ha bao gm chng khon sn sng bn l 33.864 t ng v chng khon gi n ngy o hn 5.112 t ng. Chng khon kinh doanh Chng khon kinh doanh l nhng chng khon n, chng khon vn, chng khon khc c Ngn hng mua v d nh bn ra trong thi gian ngn nhm mc ch thu li t vic hng chnh lch gi. n thi im 31/12/2009, s d khon chng khon kinh doanh l 302,427 t ng gim mnh so vi nm 2008, trong chng khon n l 232,868 t ng chim 77% gi tr chng khon kinh doanh, chng khon vn 69,559 t ng chim 23% gi tr chng khon kinh doanh. n thi im 31/12/2009, s d d phng gim gi chng khon kinh doanh l 3,39 t ng. Hnh 21: C cu u t chng khon u t thi k 2007 - 2009
391 9 21.7%
5000 0 4000 0 3000 0 2000 0 1000 0 0

32,3 52
505 2
511 2
37,0 39
33,8 64 5.9%
2007 2009
2008
72.4%
CK gi n ngy o hn (t ng CK sn sng bn (t ng)
Chng khon Chnh ph Chng khon N do cc TCTD khc trong nc pht hnh Chng khon N do cc TCKT trong nc pht hnh
Ngun: BCTC hp nht kim ton giai on 2007-2009 u t vo giy t c gi l bin php quan trng VietinBank chuyn dch c cu ti sn c, nng cao kh nng sinh li, gim thiu ri ro, v to ngun thanh khon khi cn thit, ng thi gp phn khng nh vo cc cng trnh xy dng trng im ca Nh nc v u t pht trin trong cc ngnh kinh t x hi.
54
6.1.6. Dch v ngn hng quc t Dch v ngn hng in t L mt phn trong D n Hin i ha Ngn hng v H thng Thanh ton do Ngn hng Th gii ti tr, VietinBank bt u thc hin cung cp dch v Internet Banking t thng 3/2005 khi VietinBank bt u trin khai h thng INCAS ti tt c cc chi nhnh trn ton quc. T n nay, VietinBank lin tc hon thin, b sung thm mt s dch v mi nh VietinBank At home cho php khch hng doanh nghip c th thc hin cc giao dch ngn hng ti nh, dch v SMS banking cho php khch hng thc hin chuyn khon gia cc ti khon ATM trong cng h thng, vn tin ti khon, lch s giao dch cung nh thng bo bin ng s d qua tin nhn vi bo mt, an ton cao bng cng ngh tin tin v phng thc xc thc mnh. Mc d cn nhiu hn ch nhng cc dch v trn phn no p ng c yu cu ngy mt tng ca khch hng, gp phn nng cao hnh nh, v th ca VietinBank trn lnh vc ny. VietinBank s tip tc tham gia vo D n Hin i ha ngn hng v H thng thanh ton giai on 2 do Ngn hng Th gii ti tr. D n ny tp trung vo cc mng sau: Trung tm lin lc - Call center, Dch v ngn hng qua in thoi c nh, Dch v ngn hng qua in thoi di ng, cc gii php thng mi in t v dch v ngn hng in t. Ti tr thng mi v thanh ton quc t Ngn hng TMCP Cng thng Vit Nam VietinBank l ngn hng thng mi hng u ti Vit Nam trong lnh vc thanh ton quc t v ti tr thng mi vi hn 155 chi nhnh trn ton quc, c quan h i l vi gn 1000 ngn hng trn ton cu. VietinBank , ang v s tip tc cung cp cho khch hng nhng dch v thanh ton quc t, nhng gii php ti tr thng mi ti u. Nm 2009, cng vi vic p dng chnh sch li sut, ph dch v hp l, doanh s thanh ton xut nhp khu c tng ln ng k. Doanh s nhp khu t 7,97 t USD (chim th phn 11%). Doanh s xut khu t 4,59 t USD (chim th phn 8%). Doanh s bo lnh t 780 triu USD, tng 51% so vi nm 2008. Cc sn phm ti tr thng mi ch yu ca VietinBank bao gm: Th tn dng, nh thu, bo lnh, chuyn tin, bao thanh ton. Khch hng s dng cc dch v ti tr thng mi ca VietinBank bao gm cc tp on trong nc v quc t, v cc DNVVN, trong c nhiu tng cng ty v tp on ln nh Tng Cng ty Xng du Vit Nam, Tp on in lc Vit Nam, Tp on Du kh Vit Nam, Tng Cng ty Bia - Ru - Nc gii kht Si Gn, Tng Cng ty Thp Vit Nam, Tng Cng ty Xi mng VietinBank hin ang cung cp cc sn phm dch v Thanh ton quc t v Ti tr thng mi:
55
T h t n dng : o Pht hnh, thanh ton th tn dng nhp khu o Xc thc, thng bo th tn dng xut khu o Xc nhn th tn dng, chuyn nhng th tn dng o Thng lng, chit khu b chng t xut khu : Bo lnh o o o o Pht hnh, thanh ton th bo lnh Xc thc, thng bo th bo lnh Pht hnh bo lnh trn c s bo lnh i ng, xc nhn th bo lnh i tin theo th bo lnh
N h thu : o Tip nhn, thng bo v thanh ton b chng t nh thu nhp khu o Tip nhn, chit khu v thu h b chng t nh thu xut khu C huyn ti n : o Chuyn tin thanh ton mu dch theo hp ng o Chuyn tin thanh ton phi mu dch: kiu hi, du hc, cha bnh C c dch v khc: o Khai thc vn ngn hn, trung v di hn t cc t chc tn dng khc h tr cho nghip v thanh ton quc t v ti tr thng mi; o Mua bn chuyn nhng cc khon thu, bao thanh ton tng i (Factoring) v bao thanh ton tuyt i (Forfaiting); o T vn gii php thanh ton quc t v ti tr thng mi hin i; o Cung cp dch v INSOURCING (x l giao dch cho cho cc nh ch ti chnh khc) v thanh ton quc t v ti tr thng mi. Vi nh hng pht trin v tim lc ca mt ngn hng hin i, S giao dch III (hin nay l S giao dch) Ngn hng TMCP Cng thng Vit Nam c thnh lp vo thng 04/2008 vi chc nng trc tip x l tp trung ton b cc dch v thanh ton quc t v ti tr thng mi ca h thng Ngn hng TMCP Cng thng Vit Nam; khai thc cc ngun vn ngn hng trung v di hn t cc nh ch ti chnh h tr cho hot ng ti tr thng mi ca h thng Ngn hng TMCP Cng thng Vit Nam; cung cp dch v t vn gii php thanh ton quc t v ti tr thng mi; cung cp dch v INSOURCING cho cc ngn hng khc trong thanh ton quc t v ti tr thng mi. S giao dch c trang b nhng thit b v cng ngh hin i c kh nng x l t xa cc giao dch thanh ton quc t v ti tr thng mi; c i ng lnh o v cn b c kinh nghim, trnh chuyn mn cao, tn tnh, nng ng, c o to chuyn nghip v khng ngng hc hi vi mc tiu nhm mang n cho khch hng cc dch v thanh
56
ton quc t v ti tr thng mi c cht lng cao, ng u, nhanh chng, chnh xc, an ton, tin li theo tiu chun quc t, vi vn ho phc v vn minh, hin i.
Dch v chuyn tin kiu hi Doanh s chi tr kiu hi ca VietinBank nm 2009 l 920 triu USD, chim khong 15% tng lng kiu hi chuyn v Vit Nam nm 2009. Bn cnh sn phm chuyn tin kiu hi truyn thng (in Swift qua ngn hng), VietinBank trin khai dch v chuyn tin nhanh nh Western Union, Wells Fargo ExpressSend, VietinBank e-Remit, v.v. Thu nhp t dch v kiu hi bao gm ph thanh ton 0,05%, ti thiu 2USD/giao dch cng thm 0,15% nu rt tin bng ngoi t. i vi dch v chuyn tin nhanh, ph dch v trong khong 0,6% - 0,7% tng s tin chi tr. Dch v chuyn tin kiu hi ngy cng c tim nng pht trin do lng tin Vit kiu v ngi Vit Nam lao ng ti nc ngoi chuyn v ngy cng nhiu. VietinBank ch yu chi tr kiu hi bng USD, EUR v VND. Th trng trng im bao gm M, i Loan, Hn quc, Malaysia, Nht, Sc, c v cc nc Trung ng. Trong k hoch pht trin giai on 2008 - 2010, VietinBank s tip tc vic m rng mng li chuyn tin kiu hi ti cc th trng quc t ln, ni c s lng ln ngi Vit Nam sinh sng v lm vic, trong khi th trng ni a ch yu c xc nh l Tp H Ch Minh, Ty Ninh, Bnh Thun, Nng, Hu, cc tnh pha Bc c nhiu lao ng xut khu nh Hi Dng, Bc Ninh, Bc Giang, Thi Bnh, Thanh Ha, Ngh An. VietinBank cng ln k hoch cung cp cc dch v c gi tr gia tng nh dch v chi tr kiu hi tn nh. 6.1.7. Dch v thu/chi h Dch v thu/chi h c cung cp cho cc khch hng chin lc c cn i ti khon tin gi ln ti VietinBank hoc khch hng hoc c khi lng thu chi tin mt, chuyn khon ln nh Tng Cng ty Xng du Vit Nam, Tp on Bu chnh Vin thng Vit Nam. Hin ti, khong 70% cc chi nhnh ca VietinBank cung cp dch v ny cho cc khch hng ti cc khu cng nghip v khu ch xut. VietinBank hin khng thu ph i vi dch v ny. VietinBank cng trin khai thnh cng dch v thu h Ngn sch bao gm thu ni a v thu xut nhp khu. 6.1.8. Dch v cho thu kt st v ct gi ti sn Dch v ny c VietinBank Chi nhnh Tp. HCM v Chi nhnh Nng trin khai t u nm 2006. Doanh thu t dch v ny tuy cha phn nh ht tim nng vn c ca n nhng cho thy kh nng pht trin dch v ny trong tng lai gn. Trong thi
57
gian ti, dch v ny s c cung cp ti tt c cc chi nhnh ca VietinBank trn cc tnh v thnh ph ln trong c nc. 6.1.9. Dch v thu i Sc du lch c gii thiu ln u vo nm 1994, dch v Thu i sc du lch c cung cp ti cc Phng giao dch, quy giao dch v quy tit kim. Hin nay, 50% cc chi nhnh cung cp dch v ny ti khch hng vi doanh thu thu i hng nm t t 3 - 5 triu USD. Dch v Thu i sc du lch bao gm vic i sc du lch Amex v cc loi sc du lch do cc nh ch c uy tn pht hnh bng USD v EUR. iu ny th hin n lc ca Ngn hng trong vic tng doanh thu t ph dch v. VietinBank cng cung cp dch v thu sc ca cc t chc nc ngoi nh l mt cch gii thiu cc dch v ngn hng khc v nhm nng cao thng hiu Ngn hng TMCP Cng thng Vit Nam. 6.1.10. Hot ng kinh doanh chng khon (Cng ty c phn Chng khon Ngn hng Cng thng Vit Nam) Nm 2000, VietinBank thnh lp Cng ty TNHH Chng khon Ngn hng Cng thng Vit Nam (VietinBankSc) theo m hnh Cng ty TNHH mt thnh vin vi vn iu l l 105 t ng v do VietinBank s hu 100% vn. VietinBankSc tng vn iu l ln 300 t ng ti thi im 26/06/2007. Tnh n 31/12/2008, vn ch s hu ca VietinBankSct 600.106 t ng, vn iu l ca VietinBankSc l 500 t ng. Tng vn iu l ca VietinBankSc ti thi im chuyn i sang hnh thc cng ty c phn l 789,934 t ng, trong Ngn hng Cng thng nm 75,6% vn iu l Cc hot ng chnh ca VietinBankSc bao gm mi gii chng khon, t doanh chng khon, qun l danh mc u t chng khon, bo lnh pht hnh chng khon, v t vn u t v ti chnh. Bng 9: Mt s ch tiu ch yu hot ng th trng vn n v: triu ng Ch tiu 1. Tng ti sn 2. Vn ch s hu 3. Doanh thu 4. Chi ph (*) 5. Li nhun trc thu 6. Li nhun sau thu (LNST)(*) 2007 888.499 429.054 205.371 83.950 121.421 98.226 2008 1.109.067 600.849 174.390 161.227 13.163 13.096 2009 1.119.876 851.963 284.000 102.539 120.000 60.059 Qu II/2010 1.025.716 808.483 93.201 81.474 11.736 9.072
58
Ch tiu 7. LNST/Tng ti sn (%)(*) 8. LNST/Vn ch s hu (%)(*)
2007 11,05 22,89
2008 1,18 2,18
2009 5,36 7,05
Qu II/2010 0,88% 1,12%
Ngun: BCTC kim ton 2007, 2008, 2009 v Qu II/2010 ca Cng ty c phn Chng khon Ngn hng Cng thng Vit Nam Ghi ch: (*) s liu tnh t 01/7/2009 n 31/12/2009. Trong 8 nm hot ng, lnh vc u t v kinh doanh chng khon ca VietinBankSc t c tc tng trng cao v quy m cng nh hiu qu. Tnh n 31/12/2009, tng ti sn ca VietinBankSc t 1.119 t ng, doanh thu t 284 t ng, li nhun sau thu tnh trong giai on t 01/7/2009 n 31/12/2009 t 60,06 t ng. So vi nm 2008 doanh thu nm 2009 tng 63%; li nhun trc thu nm 2009 cng tng mnh so vi nm 2008 v xp x bng nm 2007. Cc ch tiu sinh v h s sinh li trong nm 2009 cng bt u tng mnh, LNST/Tng ti sn v LNST/Vn ch s hu tnh t 01/7/2009 n 31/12/2009 nm 2009 ln lt t 5,36% v 7,05%. y l bc pht trin vt bc ca VietinBankSc trong nm sau mt giai on trm lng trong nm 2008. Cng ty Chng khon VietinBankSc l thnh phn nng ct trong tm nhn chin lc ca VietinBank nhm pht trin cc hot ng kinh doanh c thu ph, c th l s pht trin trong lnh vc chng khon v ngn hng u t. 6.1.11. Hot ng cho thu ti chnh (Cng ty TNHH mt thnh vin Cho thu Ti chnh VietinBank) Cng ty TNHH mt thnh vin Cho thu Ti chnh VietinBank l mt trong nhng cng ty hot ng sm trong lnh vc cho thu ti chnh Vit Nam. Cng ty l thnh vin hch ton c lp, c VietinBank cp 100% vn iu l, tnh n 31/12/2009 l 500 t ng. Hot ng kinh doanh chnh ca Cng ty tp trung vo hot ng cho thu ti chnh, qun l vn i vi cc doanh nghip thnh lp theo php lut Vit Nam, t vn v nhn bo lnh cho khch hng v cc dch v c lin quan n nghip v cho thu ti chnh. Bng 10: Mt s ch tiu ch yu hot ng cho thu ti chnh n v: triu ng Ch tiu 1. Tng ti sn 2. Vn ch s hu 2007 839.051 348.652 2008 992.147 368.113 2009 1.231.461 609.245 Qu II/2010 1.295.322 644.366
59
Ch tiu 3. D n cho thu ti chnh 3. Doanh thu 4. Chi ph 5. Li nhun trc thu 6. Li nhun sau thu (LNST)
2007 612.515 80.670 62.335 18.335 13.202
2008 736.254 123.810 94.026 29.784 21.444
2009 815.735 134.643 78.893 53.360 44.000
Qu II/2010 1.085.246 101.813 9.318 38.211 35.369
Ngun: BCTC kim ton 2007, 2008, 2009 v Qu II/2010 ca Cng ty TNHH mt thnh vin cho thu ti Chnh Ngn hng Cng thng Vit Nam 6.1.12. Hot ng mua bn n v khai thc ti sn (Cng ty Qun l N v khai thc ti sn VietinBank) Cng ty Qun l n v Khai thc ti sn VietinBank thnh lp v i vo hot ng t thng 09/2000 theo quyt nh s 106/Q-HQT-NHCT1 ngy 10/07/2000 ca Ch tch Hi ng qun tr VietinBank, l cng ty con do Ngn hng s hu 100% vn. Hot ng kinh doanh ca Cng ty ch yu tp trung vo mng qun l cc khon n xu v khai thc cc ti sn xit n, th chp do VietinBank chuyn sang. VietinBank t c kt qu ng k trong x l n tn ng, trong c phn ng gp khng nh ca Cng ty Qun l n v Khai thc ti sn VietinBank. Bng 11: Kt qu hot ng Cng ty Qun l n v Khai thc ti sn n v: triu ng Ch tiu Tng ti sn Ngun vn ch s hu Thu nhp Chi ph Li nhun trc thu 2007 137.343 27.830 2.143 4.338 (2.195) 2008 96.601 30.677 5.949 5.272 677 2009 73.088 31.565 6.275 4.779 1.558 Qu II/2010 72.128 30.368 2.521 2.201 319
Ngun: Bo co ti chnh kim ton 2007, 2008 v 2009 v Qu II ca Cng ty Qun l n v khai thc ti sn VietinBank 6.1.13. Hot ng kinh doan bo him (Cng ty TNHH Bo him Ngn hng Cng thng Vit Nam Bo Ngn) Mc tiu ca Cng ty TNHH Bo him NHCT Vit Nam Bo Ngn l:
60
p ng tt nht nhu cu bo him cho cc t chc, c nhn Vit Nam v nc ngoi hot ng/ sinh sng ti Vit Nam, c bit l cc khch hng vay vn ca Ngn hng Cng thng Vit Nam.
Lun lun m bo kh nng ti chnh thc hin trch nhim v cam kt vi khch hng. p dng cng ngh qun l hin i nhm nng cao hiu qu hot ng hng ti vic cung cp cc sn phm dch v ph hp nht, m bo cnh tranh trn th trng. Xy dng v pht trin lc lng lao ng bao gm c i ng i l c chuyn mn nghip v cao, tn tm phc v v em li li ch tt nht cho khch hng. Hp tc vi cc cng ty bo him khc trn th trng cng ng gp vo s pht trin ca th trng Bo him Vit Nam. Bng 12: Kt qu hot ng Cng ty TNHH Bo him NHCT Vit Nam n v: triu ng Ch tiu Tng ti sn Ngun vn ch s hu Doanh thu (*) Chi ph Li nhun trc thu Li nhun sau thu 2009 457.033 332.678 77.800 18.088 41.799 31.586 Qu II/2010 462.581 355.703 54.181 32.988 22.863 22.863
(*) Doanh thu t thu ph bo him v ph nhn ti bo him 6.2. Qun l ri ro v bo ton vn
VietinBank thnh lp Ban Qun tr ri ro v Hi ng qun l ti sn N - C (ALCO) gim st v qun l ton din cc loi ri ro trong kinh doanh. Thnh vin ca ALCO bao gm Ch tch HQT, Tng gim c, k ton trng, trng b phn qun l ri ro, trng b phn kinh doanh, dch v v trng cc b phn lin quan khc. VietinBank xy dng chin lc qun tr ri ro, trong Hi ng qun tr c trch nhim xem xt v thng qua cc chin lc v chnh sch qun tr ri ro caVietinBank, trong khi Ban iu hnh c trch nhim thc hin v pht trin cc chin lc v chnh sch c thng qua . Chc nng qun tr ri ro ca VietinBank hin do Khi qun tr ri ro (RMG) thc hin. Khi ny c tch ring khi cc giao dch trc tip v thc hin bo co trc tip ln Ban iu hnh.
61
Khi qun tr ri ro bao gm 6 phng ban c trch nhim qun tr cc loi ri ro khc nhau, bao gm ri ro tn dng, ri ro th trng, ri ro thanh khon, v ri ro tc nghip: Phng Qun l ri ro tn dng, u t (CIRM): c chc nng qun tr ri ro tn dng v u t Phng Ch tn dng, u t: c chc nng tham mu HQT xy dng chin lc tn dng, u t; Khung chnh sch tn dng, u t; H thng o lng, qun l v gim st ri ro tn dng, u t; cc quy trnh nghip v tn dng, u t. Phng Qun l ri ro th trng v tc nghip: c chc nng qun tr v ri ro pht sinh t th trng v tc nghip Phng Qun l n c vn Ban Kim tra kim sot ni b Phng K hoch v H tr ALCO m nhim v k hoch kinh doanh v h tr qun l ti sn n v ti sn c; Qun l ti sn n/c c thc hin trn c s qun tr v ri ro thanh khon, ri ro li sut v ri ro tin t. Qu trnh thc hin c thng qua vic phn tch v d bo cc lung tin vo/ra trong h thng. ng thi cn c vo bin ng ngun vn v s dng vn thc t a ra cc quyt nh v qun l v iu hnh vn m bo t hiu qu kinh doanh, p ng nhu cu thanh ton ton h thng. Phng php ch ph trch qun tr cc ri ro php l. Qun tr ri ro tn dng VietinBank xy dng chin lc cho vay t nm 2005, trong nu r i tng khch hng mc tiu, v tr, v lnh vc cn hng ti. Khch hng mc tiu l cc cng ty ln c tnh hnh ti chnh lnh mnh v nng lc cao, Hnh 22: S d v t l n xu giai on 2007 - 2009
62
cn khch hng tim nng l cc DNVVN (SMEs) v c nhn. Th trng mc tiu l cc thnh ph ln, cc khu vc kinh t c tim nng, cc khu vc th v khu cng nghip ang pht trin. Cc
300 0 250 0 200 0 150 0 100 0 500 0
2. 2662. 3 58
2.5 2187. 3 1.81 2 1.5 1000. 9 0.6 1 1 0.5 0
lnh vc, ngnh ngh mc tiu VietinBank hng ti bao gm lnh vc cng nghip, thng mi, v dch v.
2007
2009
2008
N xu (t ng)
% trn tng d n
Ngun: BCTC hp nht kim ton giai on 2007-2009 VietinBank a ra chnh sch qun tr ri ro tn dng ban hnh vo cui nm 2004. Cc nguyn tc chung ca chnh sch ny bao gm: a dng ha danh mc u t, qu trnh xem xt v ph chun a cp, h thng chm im v xp hng tn dng khch hng lm c s cp tn dng v qun l quan h tn dng vi khch hng, chc nng c lp ca cc thnh vin /b phn tham gia vo qu trnh cp tn dng, h thng quy nh, quy trnh cp tn dng, quy trnh gim st thng xuyn v kim sot hn mc tn dng....Hin nay VietinBank ang trong qu trnh hon chnh h thng tnh im tn dng t ng hng theo cc Chun mc quc t, thng ny bt u c thc hin trong nm 2009 v s trin khai tch cc trong nm 2010. Cn c vo th trng mc tiu v chin lc tn dng tng th ca VietinBank cng nh kt qu tnh hnh hot ng tn dng trong qu kh, s thay i ca th trng v nhu cu vn d kin, Phng Qun l ri ro tn dng v u t xut mc tng trng tn dng ca VietinBank, cc gii hn tn dng ton h thng theo sn phm, loi tin, lnh vc, ngnh hng, thnh phn kinh t, khch hng, nhm khch hng v.v. Cc xut ca Phng sau s c trnh Tng gim c trnh HQT ph duyt. Chc nng qun tr ri ro tn dng hng ngy ca VietinBank do cc Phng Ch tn dng v u t, Phng Qun l ri ro tn dng v u t, v Phng Qun l n c vn , Phng K hoch v H tr ALCO cng phi hp m trch. Thm vo , Ban Kim tra kim sot ni b tin hnh cc nh gi nh k v nh gi t xut i vi cc hot ng cp tn dng ca VietinBank m bo cc hot ng ny ph hp vi cc hng dn ca VietinBank v cc quy nh ca php lut.
63
Chc nng nh gi ti sn bo m hin do cc phng Khch hng v qun l ri ro ti chi nhnh m trch ti thi im cho vay v nh gi li theo quy nh ca VietinBank. T l cho vay trn gi tr ti sn m bo c gii hn theo t l phn trm gi tr ca tng loi ti sn m bo. Ti sn m bo c nh gi li t nht 1 ln/nm (tu theo loi ti sn) hoc t xut. Quy trnh nh gi ri ro tn dng Sau khi nhn v kim tra n ngh cp tn dng ca khch hng cng vi cc h s vay vn, chuyn vin tn dng thuc b phn khch hng tin hnh thm nh khon vay: t cch php l ca khch hng, tnh hnh sn xut kinh doanh, tnh trng ti chnh ca khch hng, hiu qu , tnh kh thi ca phng n/d n vay vn, tnh hnh vay tr n ca khch hng, tnh hnh ti sn m bo, xc nh phng thc cho vay, li sut v.v. v lp T trnh thm nh tn dng. Trong mt s trng hp (ty thuc vo cc iu kin cp tn dng ca VietinBank), b phn khch hng s chuyn n ngh cp tn dng v h s, ti liu lin quan sang b phn qun l ri ro. Ti y, chuyn vin qun l ri ro tn dng s tin hnh thm nh c lp v lp Bo co kt qu thm nh ri ro tn dng, trong nh gi mc ri ro tn dng v xut bin php gim thiu ri ro tn dng. Vic cp tn dng c xem xt cn c vo nh hng cp tn dng hng nm ca HQT, thng tin thu thp t khch hng, nhu cu s dng tn dng ca khch hng, xp hng khch hng, kt qu thm nh tn dng v thm nh ri ro tn dng v.v. T trnh thm nh ca chuyn vin tn dng v bo co kt qu thm nh ri ro tn dng ca chuyn vin qun l ri ro (trng hp phi thm nh ri ro tn dng) cng h s tn dng s c trnh ln cp c thm quyn ph duyt. Vic phn cp thm quyn ph duyt tn dng c xc nh trn c s (i) mc phn quyt tn dng: nh k c xem xt li hng nm cn c vo phn cp qun l khch hng, nng lc trnh ca cp c xem xt (ti Tr s chnh), quy m, nng lc trnh cn b, kt qu hot ng v.v. (ti chi nhnh); (ii) vic p ng cc iu kin tn dng ca khch hng: iu kin tn dng c xy dng, chnh sa, thay i tun theo cc quy nh ca php lut, ph hp vi thc tin m bo an ton v tnh cnh tranh ca VietinBank Khon tn dng sau khi c ngi c thm quyn ph duyt s c b phn qun l ri ro gim st ty thuc vo mc ri ro ca khon tn dng , trong sut qu trnh 64
m phn k hp ng tn dng, hp ng m bo, hon thin h s tn dng v nhp vo h thng INCAS. Hin ti, VietinBank cha thit lp quy trnh nghin cu nh gi khch hng ton din, nhng trong thi gian sp ti, VietinBank s cn nhc xy dng chnh sch Hiu bit v khch hng ca bn (KYC), Chng ra tin (AML) ngn nga vic ngi vay s dng ngn hng nh l cng c thc hin cc giao dch bt hp php. VietinBank hin ang trin khai 3 h thng tnh im khc nhau dnh cho khch hng doanh nghip, khch hng c nhn v nhm khch hng nh ch ti chnh. Tuy nhin, y u l cc qu trnh tnh ton th cng v cn nhiu nh gi mang tnh nh tnh ca cn b qun l khch hng. Qun tr ri ro th trng v tc nghip Thng 3/2006, VietinBank thnh lp Phng Qun l ri ro th trng v tc nghip (MORM) theo di cc ri ro trong hot ng v ri ro th trng ca VietinBank, vi chc nng chnh l pht trin cc chnh sch, th tc v h thng cnh bo sm i vi cc ri ro hot ng v th trng. gim thiu ri ro v li sut, Phng K hoch v H tr ALCO v Phng u t da trn cc thng tin th trng mi nht phn tch cc thay i v t l li sut. i vi hot ng tn dng, VietinBank p dng li sut th ni i vi cc khon cho vay trung v di hn, thm ch ty tnh hnh bin ng ca li sut trn th trng c th p dng c li sut th ni i vi cc khon cho vay ngn hn. Vic u t chng khon hin nay c tp trung vo cc sn phm c mc ri ro thp. Danh mc u t ca ngn hng bao gm hu ht l tri phiu Kho bc Nh nc, cc loi tri phiu chnh ph khc v mt s tri phiu an ton khc. Hng thng, Phng K hoch v H tr ALCO chun b bo co v cc ch s ti chnh ch yu v cc t l an ton theo yu cu ca NHNN v trnh Ban iu hnh hoc Ban Tng gim c xem xt v thng qua. L mt trong nhng ngn hng hng u ti Vit nam, VietinBank a ra chin lc qun tr ri ro (c ghi nhn trong chin lc kinh doanh tng th ca VietinBank cho giai on 2005 2010) v nhng quy nh v qun tr ri ro tc nghip (Quyt nh 220 c HQT ban hnh thng 5/2007) nhm thc hin cc tiu chun quc t v qun tr ri ro tc nghip. Ngoi ra VietinBank c b my kim tra kim sot ni b c thit lp t Tr s chnh n cc chi nhnh trong ton h thng. B my ny chu trch nhim thng xuyn kim tra, gim st ton din cc hot ng ca VietinBank nhm
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pht hin v ngn chn kp thi cc hnh vi gian ln v sai st, a ra cc khuyn ngh hon thin c ch, chnh sch, quy trnh nghip v m bo hot ng kinh doanh ca VietinBank tun th php lut, an ton, hiu qu. Qun tr ri ro php l Ri ro php l ca VietinBank do Phng Php ch ph trch, vi chc nng chnh l t vn v o to v php l cho cc n v kinh doanh v m bo s tun th php lut v cc quy nh hin hnh ca VietinBank. i vi nhng trng hp c th, v d bo lnh pht hnh tri phiu, bo lnh pht hnh ra nc ngoi, cp tn dng cho cc d n ln, VietinBank c th thu cng ty lut bn ngoi t vn. Cc chi nhnh cng c php thu lut s bn ngoi gii quyt cc vn php l ca mnh. Tuy nhin, vi cc vn php l phc tp hoc do sai phm ca nhn vin cn c bo co ln Phng Php ch ti Tr s chnh gii quyt. i vi sn phm mi trin khai, Phng Php ch s xem xt cc kha cnh php l m bo s tun th php lut v cc quy nh hin hnh. Qun tr ri ro thanh khon VietinBank thnh lp y ban qun tr ti sn n, ti sn c (ALCO), thc hin chc nng qun l ti sn N - C v kim sot ri ro thanh khon. Phng K hoch v H tr ALCO c trch nhim chnh l lp k hoch s dng v cn i vn, duy tr kh nng thanh khon. Phng K hoch v H tr ALCO bo co trc tip hng thng ln Ban iu hnh, y ban ALCO v Hi ng qun tr cp nht tnh hnh thanh khon hin ti ca VietinBank v d bo tnh trng thanh khon cho thng tip theo. VietinBank tun th cc quy nh hin hnh ca NHNN trong vic qun tr kh nng thanh khon. Do c khi lng ln Giy t c gi v cc cng c th trng tin t nn to cho VietinBank kh nng thanh khon ng k. Hin nay, VietinBank ang theo di kh nng thanh khon bng vic tnh ton cc t l thanh ton theo cc hng dn ca NHNN v thng xuyn bo co vi NHNN. m bo ch ng trong thanh khon v phng trnh cc s c bt ng xy ra, VietinBank tnh ton v duy tr mt t l hp l ti sn di dng tin mt, ti sn tng ng tin, ti khon Nostro, cc cng c th trng tin t, cc Giy t c gi c tnh thanh khon cao v cc cng c khc (chim khong 25% - 30% tng ti sn). Do , VietinBank lun bo m tt kh nng thanh khon.
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6.3.
Th tr ng hot ng
Mng li hot ng
Tnh n 31/12/2009, mng li hot ng ca VietinBank phn b rng trn 62 tnh, thnh ph trong c nc, bao gm: 01 Hi s chnh; 01 S Giao dch; 149 chi nhnh 695 phng giao dch; 98 qu tit kim; 1.092 my rt tin t ng (ATM); 02 Vn phng i din; 04 Cng ty con bao gm: Cng ty TNHH mt thnh vin cho thu ti chnh, Cng ty c phn Chng khon Ngn hng Cng thng (VietinBankSC), Cng ty Qun l n v khai thc ti sn Ngn hng Cng thng Vit Nam v Cng ty TNHH mt thnh vin Bo him Ngn hng cng thng Vit Nam; 03 n v s nghip bao gm: Trung tm th, Trung tm Cng ngh thng tin, Trng o to v Pht trin ngun nhn lc.
Mng l i khch hng

Khch hng v i tc ca VietinBank gm c: Cc t chc ti chnh ngn hng: VietinBank c mi quan h cht ch vi hu ht cc t chc ti chnh ngn hng ti Vit Nam bao gm cc ngn hng thng mi trong v ngoi nc, Cng ty ti chnh, cc cng ty chng khon v cc qu u t Cc t chc kinh t: Vi vai tr l 1 trong 4 ngn hng thng mi nh nc ln nht, VietinBank cung cp dch v cho phn ln cc tp on v tng cng ty nh Tp on Du kh Vit Nam, Tp on in lc Vit Nam, Tp on Than v Khong sn Vit Nam, Tp on Bu chnh Vin thng Vit Nam (VNPT), Tng Cng ty Thp Vit Nam, Tng Cng ty Lng thc Min Bc, Tng Cng ty Xi mng, Tng Cng ty Bia Ru Nc gii kht Si Gn. Bn cnh cc khch hng t chc ca VietinBank cn c cc doanh nghip t nhn, doanh nghip c vn u t nc ngoi, cc cng ty c phn trong c nc. Cc c nhn: hin nay VietinBank trin khai rng ri cc dch v cho c nhn nh huy ng tin gi c k hn, cho vay pht trin kinh t gia nh, cho vay tiu dng, cho vay mua nh tr gp
67
Th trng hot ng ca VietinBank bao ph khp cc ngnh ngh trong c nng lm nghip, thy sn, cng nghip ch bin, cng nghip khai m, sn xut v phn phi in kh t, xy dng, thng mi, xut nhp khu, khch sn nh hng.
7. Bo co kt qu hot ng kinh doanh trong giai on 2008 -2009 v Qu II/2010

7.1 Kt qu hot ng kinh doanh trong giai on 2008-2009 v Qu II/2010
Bng 13: Kt qu hot ng kinh doanh ca VietinBank giai on 2008 2009 v Qu II/2010 n v: triu ng 2009 Ch tiu 2008 T 01/01/09 n 02/7/2009 2009 T 03/07/09 n 31/12/2009 243.785.208 24.045.152 161.619.376 38.977.048 231.007.895 15.012.157 148.530.242 12.572.078 Qu II/2010 (*)
Ti sn, ngun vn Tng ti sn Tin gi v cho vay cc TCTD khc Cho vay v tm ng khch hng u t vo chng khon Tng n phi tr Tin gi v vay cc TCTD khc Tin gi ca khch hng v cc khon phi tr khch hng Vn ch s hu Kt qu kinh doanh Thu nhp hot ng Chi ph hot ng D phng ri ro Li nhun thun t hot ng kinh doanh trc chi ph d 8.694.253 (4.957.685) (1.300.180) 3.736.568 4.252.033 (2.251.726) 78.575 2.000.307 5.428.316 (3.163.552) (586.475) 2.264.764 7.062.305 (3.293.000) (813.084) 2.956.221 193.590.357 18.273.849 118.601.677 40.959.079 181.254.198 8.824.710 121.634.466 12.336.159 218.561.995 26.444.874 136.385.609 35.538.416 204.985.759 6.876.423 139.413.318 13.381.740 294.637.802 33.654.828 184.806.682 54.806.752 278.039.693 19.499.962 155.131.205 16.403.367
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2009 Ch tiu tr ri ro tn dng Li nhun trc thu Li nhun sau thu Cc ch tiu ti chnh T sut li nhun trc thu/Tng ti sn bnh qun T sut li nhun trc thu/Vn ch s hu T sut li nhun trc thu/Doanh thu T sut li nhun sau thu /Tng ti sn bnh qun T sut li nhun sau thu/Vn ch s hu T sut li nhun sau thu/Doanh thu 1,35% 21,2% 28,02% 1,00% 15,7% 20,75% 1,01% 15,53% 48,89% 0,77% 11,87% 37,38% 2.436.388 1.804.464 2.078.882 1.589.461 2008 T 01/01/09 n 02/7/2009
2009 T 03/07/09 n 31/12/2009 1.678.289 1.248.283 Qu II/2010 (*)
2.143.136 1.620.136
0,72% 13,35% 30,91% 0,56% 9,60% 30,20%
0,79% 17,04% 34,29% 0,60% 12,88% 25,92%
Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/2010 ca VietinBank Bo co ti chnh ca Ngn hng Thng mi c phn Cng thng Vit Nam do Cng ty Trch nhim hu hn Ernst & Young Vit Nam kim ton. iu chnh s liu ti ngy 02/7/2009 Cho mc ch chuyn i doanh nghip ca VIETINBANK t Ngn hng TM nh nc thnh Ngn hng TMCP, vo ngy 02/7/2009, VIETINBANK lp bo co ti chnh hp nht cho k k ton t ngy 01/01/2009 n ngy 02/7/2009 nhm xc nh vn nh nc ti VIETINBANK trc thi im chnh thc chuyn i v hot ng nh l mt ngn hng TMCP t ngy 03/7/2009. Cc bo co ti chnh hp nht ny c lp da trn tnh hnh thc t kinh doanh ca VIETINBANK cho giai on ni trn v cc chnh sch, quy nh ca cc c quan chc nng c nh hng n hot ng ca VIETINBANK cho n thi im . Tuy nhin, n ngy 23/12/2009, VIETINBANK nhn thm mt s hng dn ca c quan chc nng nh quyt nh ca c quan lin b v Ngn hng Nh nc v vic tnh ton qu lng cho VIETINBANK v sau l Ngn hng TMCP Cng thng
69
Vit Nam cho nm 2009 v c s phn loi n v trch lp d phng cho bo co ti chnh cho giai on t ngy 01/01/2009 n 02/7/2009. Ngoi ra, mt s chi ph pht sinh trong giai on trn cng c quyt ton vo na cui nm 2009 v cc s liu ny nh hng trc tip n s liu trn cc bo co ti chnh hp nht ca VIETINBANK cho giai on t 01/01/2009 n 02/7/2009. Do vy, ngn hng thc hin iu chnh li s liu ti ngy 02/7/2009 theo cc vn bn hng dn b sung ni trn. Ngoi ra, trong nm 2009, Kim ton Nh nc thc hin kim ton cc bo co ti chnh nm 2008 ca VIETINBANK. Ngn hng thc hin iu chnh li s liu ti ngy 02/7/2009 theo cc iu chnh ca Kim ton nh nc. nh hng ca cc iu chnh ni trn n s liu ti chnh ti ngy 02/7/2009 c trnh by c th trong Bo co kim ton ca VIETINBANK ti ngy 31/12/2009, mc 46 Thuyt minh bo co ti chnh. (*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. 7.2 Nhng nhn t nh hng n hot ng kinh doanh ca Ngn hng trong nm bo co a. Nhn t thun li Tim nng pht trin ca ngnh ti chnh - ngn hng Trong thi gian qua, ngnh ngn hng c s tng trng nhanh chng c v s lng v quy m. S lng ngn hng tng t 9 ngn hng trong nm 1991 ln 102 ngn hng vo u nm 2009. S lng ngn hng tng ln tp trung vo 2 khi ngn hng thng mi c phn (38 ngn hng) v ngn hng c vn u t nc ngoi (63 ngn hng). iu ny cho thy sc hp dn ca ngnh ngn hng Vit Nam i vi cc nh u t trong nc cng nh cc t chc ti chnh quc t. V c cu th phn, n cui nm 2009, cc Ngn hng TM quc doanh chim khong 52% tng ti sn trong h thng, cc NHTM CP chim khong 38%, phn cn li thuc v khi cc ngn hng c vn nc ngoi. Bn cnh s tng trng v s lng, quy m hot ng ca h thng ngn hng cng tng trng mnh m. Tc tng trng hot ng tn dng v huy ng tin gi mc rt cao, t trung bnh trn 35% nm trong Hnh 23: Tng trng tn dng giai on 2007-2009
70
sut giai on 2002-2008. Trong nm 2009, t l ny khong 38%.
60 40
53.5 38 25.2
20 0
2007
2008
2009
Tng trng tn dng (%)
Ngun: VietinBank Bn cnh tim nng th trng i vi ngnh ngn hng cn rt ln. S lng ngi dn Vit Nam s dng cc dch v ngn hng cn khim tn. Vi dn s gn 87 triu ngi nhng ch c khong 7 triu ti khon ngn hng ti Vit Nam, trong s 6 triu ti khon c m trong hai nm gn y, vi khong 50% tng s giao dch vn s dng tin mt, 4 triu ngi s dng th tn dng. iu ny cho thy ch khong 8% dn s c ti khon ngn hng - mt t l nm trong s thp nht ton cu (Ngun: ADB), nh Singapore, t l ny l 95%, Malaysia l 65%, Thi Lan l 46%. Do vy th trng ngn hng trong nc cn nhiu tim nng pht trin. VietinBank l Thng hiu ln c mng l i hot ng rng khp cc tnh thnh trong c nc Tin thn l mt trong bn Ngn hng thng mi Nh nc ln nht ti Vit Nam, VietinBank c tng ti sn chim hn 10% trong ton b h thng ngn hng. Ngun vn lun tng trng qua cc nm, tng mnh k t nm 1996, t bnh qun hn 20%/nm, c bit c nm tng 35% so vi nm trc. Trong nm 2008, VietinBank l mt trong nhng ngn hng thng mi u tin ti Vit Nam thc hin ng k bo h thng hiu ti Vit Nam v quc t. Vi mng li hot ng phn b trn 62 tnh, thnh ph c mt ti tt c cc thnh ph ln, nh H Ni (13 chi nhnh v 01 s giao dch), Tp. HCM (18 chi nhnh), cc khu cng nghip, khu kinh t thng mi, vng ng dn c, VietinBank c li th cung cp cc dch v truyn thng,dch v hin i v cc dch v gi tr gia tng n vi mi thnh phn kinh t. H thng cng ngh thng tin ngn hng hin i Hin ti, h thng c s h tng CNTT ca VietinBank v ang c xy dng theo tiu chun quc t, to tin cho vic pht trin cc dch v mi trong tng lai theo m hnh ngn hng hin i. Ton b h thng mng tri rng khp c nc v lun c phng n d phng m bo h thng hot ng thng sut v m bo cho vic giao dch trc tuyn vi H thng ngn hng li. Vi h thng my ch mnh, h thng lu tr ln c thit k theo hng tp trung ho v o ho nhm m bo cho H
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thng ngn hng li (Core Banking) hot ng n nh, sn sng p ng nhu cu pht trin trong vng 03 n 05 nm ti v.v. Hon thnh vic c phn ha v pht hnh ln u ra cng chng trong nm 2009 Nm 2009, VietinBank hon thnh vic chuyn i t Ngn hng Nh nc sang m hnh Ngn hng c phn v cho bn thnh cng ln u ra cng chng. y l t cho bn thnh cng nht trn th trng chng khon Vit Nam trong nm 2008. n ngy 16/7/2009, c phiu ca VietinBank vi m giao dch l CTG chnh thc nim yt giao dch trn S GDCK TP.HCM. Sau khi chuyn i, chin lc ca VietinBank l Xy dng Ngn hng TMCP Cng Thng Vit Nam tr thnh tp on ti chnh ngn hng hin i, p ng ton din nhu cu v cc sn phm, dch v ngn hng, ti chnh, h tr tt nht cho khch hng trong nc v quc t; qun l c hiu qu v pht trin bn vng. Phn u tr thnh mt Tp on Ti chnh ngn hng mnh trong khu vc vo nm 2015 l Tp on hot ng da trn hai tr ct l Ngn hng thng mi v ngn hng u t; tip tc m rng phm vi v quy m hot ng thng qua vic pht trin mng li, thnh lp v lin kt thnh lp cc cng ty kinh doanh trn lnh vc ti chnh tin t, ngn hng v cc lnh vc kinh doanh lin quan khc. b. Nhn t kh khn Din bin bt li ca nn kinh t Vit Nam v th gii Nhng din bin tri chiu ca nn Hnh 24: Tng trng GDP v t l lm kinh t Vit Nam v th gii nh pht giai on 2007-2009 hng su sc ti hot ng kinh
25
doanh ca hu ht cc doanh nghip trong c cc ngn hng. Sau mt nm 2008 y nhng bin ng bt li t cuc khng hog kinh t ton cu, nn kinh t Vit Nam vn cho thy kh nng tng trng v gi t l lm pht mc tng i thp. Tuy nhin, nhng tn d ca cuc khng hon ti chnh ton cu vn cn m v tc ng n th trng ti chnh ni chung v ngnh ngn hng ni ring. Chnh cc yu t ny tc ng khng nh n hot ng kinh doanh ca Ngn hng.
20 15 1 5 0 2007 8 8.4 12.6
19.8 9
6.23 5.32
6.52
2008 T ng t rng GDP (%) Lm pht (%)
2009
Ngun: Tng cc thng k
Cng vi s bin ng mnh ca th trng tin t l s thay i ln ca c cu ngun vn theo hng k hn ngn dn, lung tin vo ngn hng b tc ng bi nhiu yu t nh lm pht, suy gim kinh t, t gi ngoi t, tm l... mang li ri ro th trng cho cc t chc tn dng S suy gim lin tc ca th trng chng khon, th trng bt
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ng sn trong nc, nh hng xu ca nn kinh t th gii to ra nhiu sc p v kh khn cho doanh nghip l khch hng ca ngn hng. Kh khn do p lc cnh tranh ngy cng gay gt Trn th trng ti chnh ngn hng hin nay c 5 ngn hng thng mi nh nc, 39 ngn hng thng mi c phn, 5 ngn hng lin doanh, 5 ngn hng 100% vn nc ngoi, 40 chi nhnh ngn hng nc ngoi ti Vit Nam, 53 vn phng i din ngn hng nc ngoi ti Vit Nam, 13 cng ty cho thu ti chnh v 17 cng ty ti chnh. (ngun Ngn hng nh nc Vit Nam ngy 31-03-2010 http://www.sbv.gov.vn/vn/home/htTCTD.jsp.) Trc y vi li th v vn, ti sn v mng li hot ng, cc ngn hng thng mi nh nc (NHTMNN) ng vai tr to lp sn chi. Trong vi nm tr li y cc ngn hng thng mi c phn (NHTMCP) t c mc tng trng vt tri v vn, quy m hot ng. Cc ngn hng ny lin tc m rng mng li cc chi nhnh v cc vn phng i din. Hin nay, th phn c s chuyn dch mnh m gia khi NHTMNN v khi NHTMCP. Th phn cho vay nm 2000 ca khi NHTMNN chim 77% nhng nm 2006 con s ny gim xung cn 55%. Th phn cho vay nm 2000 ca khi NHTMCP l 9% th nm 2006 con s ny tng ln 29%. Th phn huy ng nm 2000 ca khi NHTMNN t 77% nhng nm 2006 th ch cn 59%. Con s ny i vi NHTMCP tng t 11% nm 2000 ln 30% nm 2006. n nm 2009, t l th phn cho vay v huy ng vn ca khi cc NHTM quc doanh c gim i cht. y cng c th l du hiu cho thy sc cnh tranh ngy cc ln t cc NHTM CP v khi cc NH nc ngoi. Bn cnh s ln mnh ca h thng cc NHTMCP, hot ng ca cc ngn hng nc ngoi ang ngy cng c m rng. Theo cam kt hi nhp, t 01/04/2007 Vit Nam cho php cc ngn hng 100% vn nc ngoi c hot ng v thc hin hu ht cc nghip v nh mt ngn hng ni a hin c 5 ngn hng 100% vn nc ngoi c cp php thnh lp l Ngn hng Hng Kng Thng Hi v Ngn hng Standard Chartered Bank v ngn hng ANZ, Ngn hng Hng Leong Vit Nam, Ngn hng Shinhan Vit Nam.
8. V th ca Ngn hng so vi cc Ngn hng khc trong cng ngnh

8.1.V th ca VietinBank trong ngnh VietinBank l mt trong 4 ngn hng thng mi ln nht th trng hin nay vi tng ti sn chim khong 10% tng ti sn ton h thng, th phn huy ng vn chim 12%, th phn cho vay chim 11,6% ca ton h thng, mng li chi nhnh v phng giao dch ng th 2 ton quc sau Agribank. Vi thng hiu tt v mi quan h cht ch vi nhiu khch hng truyn thng, cng vi nn tng ti chnh vng mnh, VietinBank lun l mt trong nhng Ngn hng hng u ti Vit Nam. V mng l i chi nhnh, phng giao dch Hnh 25: Mng l i hot ng ca VietinBank v cc Ngn hng khc
73
BIDV 1600 1400 1200 1000 800 600 400 200 0

BIDV
Vietinbank
Agribank
Vietcombank
STB
ACB
Vietinbank
Agribank
Vietcombank
STB
ACB
Ngun: website v Bo co thng nin cc ngn hng Ti thi im 31/12/2009, VietinBank c mng li chi nhnh v phng giao dch ng th 2 ton quc sau Agribank vi 01 Hi s chnh; 01 S Giao dch; 149 chi nhnh; 695 phng giao dch; 98 qu tit kim; 1.092 my rt tin t ng (ATM); 02 Vn phng i din; v 04 Cng ty con bao gm Cng ty cho thu ti chnh, Cng ty c phn Chng khon Ngn hng Cng thng (VietinBankSc) v Cng ty Bt ng sn v u t ti chnh Ngn hng Cng thng Vit Nam v Cng ty Bo him Ngn hng cng thng Vit Nam; 03 n v s nghip bao gm Trung tm th, Trung tm Cng ngh thng tin, Trng o to v Pht trin ngun nhn lc v 01 lin doanh l Ngn hng Indovina. V hiu qu hot ng kinh doanh Hnh 26: Li nhun sau thu v t t l n xu ca VietinBank v cc ngn hng khc
Li nhun sau t hu nm 2009 ( t ng) N xu 2009 (%)
4000 3500 3000 2500 2000 1500 1000 500 0 BIDV STB Vietinbank ACB Agribank Vietcombank
3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00%
Ngun: Bo co ti chnh nm 2009 cc Ngn hng
Hin nay, C cu d n ca VietinBank tng i hp l; t l d n xu thuc loi thp nht trong h thng. VietinBank p dng thc hin x l tp trung cc giao dch thanh ton quc t v ti tr thng mi, hc tp m hnh cc ngn hng ln tin tin trn th gii ang p dng, gp phn y nhanh tc tng doanh s thanh ton xut nhp khu, ng thi l knh huy ng vn ngoi t c hiu qu.
74
V Quy m Hnh 27: Tng quan Tng ti sn v vn iu l ca VietinBank vi cc ngn hng khc nm 2009
Tng ti sn (nghn t ng) 500 400 300 200 100 0 BIDV Vietinbank Agribank Vietcombank 30 0 875 5 243.79 1125 3 43 8 Vn iu l ( t ng) 14000 12000 10000 8000 6000 4000 2000 0 STB ACB
1092 4
1210 0 255.47 511 5 98 16 580 8 5
Ngun: Bo co ti chnh nm 2009 cc Ngn hng Sau khi chuyn i thnh doanh nghip c phn, VietinBank tr thnh ngn hng c phn c vn iu l ln th 2 trn th trng sau Vietcombank (11.380 t ng) v tr thnh cng ty i chng, nng cao tnh minh bch v kh nng qun tr doanh nghip. Vi hiu qu kinh doanh trong qu kh tt cng chin lc pht trin r rng v c trng tm, mc tiu ca VietinBank l tr thnh Ngn hng hng u ti Vit Nam. V th phn VietinBank l mt trong nhng Ngn hng ln nht ti Vit Nam vi th phn cho vay chim 11,6% ca ton h thng, th phn huy ng vn chim 12% ton h thng v l mt trong nhng ngn hng hng u trong lnh vc huy ng ni t. Trong lnh vc pht hnh th ni a, th phn ca VietinBank chim khong 17% th trng th trong nc. ng thi VietinBank ang nm gi khong 11% th phn ti tr thng mi nhp khu v 8% th phn ti tr thng mi xut khu nm 2009. 8.2.Trin vng pht trin ca ngnh Nm 2010 tip tc c nhn nh l nm s c nhiu kh khn cho ngnh ngn hng vi tng trng v li nhun thp. Li sut trn th trng huy ng vn thng xuyn thay i trong nm 2009 v d bo tip tc xu hng trong giai on u nm 2010 khin cho thu nhp ca Ngn hng phn no b nh hng. Suy thoi kinh t v st gim nhu cu ti cc th trng xut khu chnh ca Vit Nam dn n nhu cu vay vn ca cc doanh nghip khng cao. Tng trng tn dng gim ng ngha vi vic cc ngn hng phi gim bt li nhun t hot ng truyn thng vn chim ti 60-70% thu nhp ca ton h thng. Bn cnh , nguy c v n xu ca cc ngn hng vn cn tim n. Mc d vy, ngnh Ngn hng vn l ngnh tim nng trong tng lai. Vi dn s khong 87 triu ngi (ng th 13 trn th gii), hin mi ch c khong 7 triu ti khon c m. T l tin mt/tng phng tin thanh ton Vit Nam giai on nm
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2009 l 17,10%, cao hn so vi nhiu nc trong khu vc c tnh khong 50% tit kim c nhn c gi bn ngoi h thng ngn hng chnh thng di dng tin mt, vng v cc ti sn khc. Trong cc nm ti, khi nn kinh t Vit Nam tip tc chuyn i t nn kinh t tin mt sang h thng ti chnh chnh thng, t l thm nhp dch v ti chnh d kin s c tc tng trng mnh m. Cui nm 2006, Chnh ph ph duyt n Thanh ton khng dng tin. Mc tiu ca n l n nm 2020, t l tin mt trn tng phng tin thanh ton l 15%, s lng ti khon c nhn t 45 triu, hn 90% ngi lao ng lnh lng qua ti khon v 95% khon thanh ton gia cc doanh nghip c thc hin qua ngn hng. Cng vi tim nng ca ngnh Ngn hng, trin vng nn kinh t Vit Nam trong thi gian ti c nhiu lc quan mc d kh c s hi phc nhanh chng ca kinh t Vit Nam. Th nht, kinh t Trung quc c th tng trng mnh tr li ngay trong nm nay v 2011 lm tng mnh nhu cu v gi tr hng ha xut khu ca Vit Nam phc v cho nhu cu ni a ca Trung quc. Th hai, th trng tn dng quc t hi phc nhanh chng to cho s khi ng li ca dng vn FDI vo Vit Nam khi cc nh u t nc ngoi tip tc chin lc Trung quc + 1 b khng hong ti chnh lm dang d. Th ba, c s thay cn bn v cch thc ra quyt nh v phn b ngun lc trong nn kinh t da trn hiu qu ton din gn vi cc nguyn tc th trng thay v da qu nhiu vo cc yu t phi th trng. Bng 14: Mt s d bo v nn kinh t Vit Nam 2010 - 2011 Ch tiu Tc tng GDP Tng lng hng ha bn l Xut nhp khu Tc tng trng xut khu Tc tng trng nhp khu Thm ht cn cn thng mi % % T USD T USD % % % 5 5 8,58 8,3 37,5 30 8,0 6 5 7,45 11 45 35 8,5 n v % % 2010F 6,5 8 2011 F 7,00 8,5
FDI thc hin T l u t/GDP Tng trng tn dng Tng CPI bnh qun 12 thng
Ngun: B phn phn tch Phng u t - VietinBank
76
8.3.nh gi v s ph hp nh hng pht trin ca Ngn hng vi nh hng ca ngnh, chnh sch ca Nh nc, v xu th chung trn th gii L Ngn hng trong Nh nc nm phn vn chi phi, VietinBank l mt trong nhng doanh nghip h tr cho Ngn hng Nh nc thc hin cc mc tiu, chnh sch tin t ra, gip kim sot v iu tit th trng ti chnh. Mc tiu chin lc ca VietinBank l xy dng Ngn hng Cng thng Vit Nam tr thnh Tp on ti chnh ngn hng hin i, xp hng tin tin trong khu vc: p ng ton din nhu cu v cc sn phm, dch v ngn hng, ti chnh, h tr tt nht cho khch hng trong nc v quc t; Qun l c hiu qu v pht trin bn vng, ngn hng. Mc d cn gp nhiu kh khn do chu nh hng ca cuc khng hong ti chnh ton cu, nhng do Vit Nam c th trng tiu th ni a rng ln v cc chnh sch n nh kinh t v m dn pht huy tc dng, nn kinh t Vit Nam vn gi c tc tng trng kh so vi cc nc khc trn th gii. Theo nhiu nhn nh, th gii s thot khi giai on tr tr nht vo cui nm 2009 v bt u tng trng tr li t nm 2010. S phc hi ca nn kinh t s to ng lc pht trin tt cho ngnh ngn hng. Do vy, p ng tt hn yu cu ca nn kinh t v thch ng tt trong tng lai, VietinBank v ang xy dng m hnh ca mt ngn hng a nng v nng ng. VietinBank hin l Ngn hng u tin c Chnh ph cho php thnh lp Tp on ti chnh - ngn hng theo quyt nh s 1354/Q-TTg ph duyt phng n c phn ha Ngn hng Cng thng Vit Nam. VietinBank t mc tiu tng trng ti sn hng nm 20-22%/nm; tng cng qun l ri ro, m bo n xu di 3%; phn u duy tr h s an ton vn ln hn 11%; ROE bnh qun t trn 8%, t l c tc giai on 2010-2012 phn u mc 12%. S pht trin ca ngnh ngn hng c vai tr tc ng tch cc tr li to ng lc cho s pht trin kinh t. Vn ngn hng v s tip tc ng vai tr tch cc trong vic h tr cc doanh nghip, cc d n ln ca t nc, gp phn nh hng s pht trin kinh t ca nhiu a phng trong c nc. Trong thi gian ti, VietinBank s tm kim v hp tc cng vi i tc chin lc nc ngoi nng cao cht lng v sn phm dch v ngn hng t tm quc t. nh hng pht trin ca VietinBank l hon ton ph hp vi nh hng pht trin ca ngnh ngn hng, chnh sch ca Nh nc v xu th chung ca th gii.
9. Chnh sch i vi ngi lao ng

S l ng lao ng v c cu lao ng
77
Tnh n thi im 31/12/2009, tng s lao ng ca VietinBank l 17.758 ngi, c phn loi nh sau: Bng 15: Phn loi lao ng ti thi im 31/12/2009 STT 1. Ch tiu Phn theo trnh : + i hc v trn i hc + Cao ng v cao cp + Trung cp v s cp + 2. Khc (bao gm c lao ng phc v v hp ng ngn hn) Phn theo thi hn lao ng: + Lao ng khng phi k hp ng + Lao ng khng xc nh thi hn + Lao ng c thi hn t 1 3 nm + Lao ng c thi hn di 1 nm 3. Phn loi theo n v kinh doanh + Ti Hi s chnh + Ti chi nhnh, Cng ty trc thuc v n v s nghip khc Ngun: VietinBank VietinBank lun coi vic pht trin ngun nhn lc l yu t quan trng, mang tnh quyt nh i vi s pht trin bn vng ca h thng VietinBank. Thc hin ch trng trn, VietinBank khng ngng tng cng v ci thin c v s lng v cht lng ngun nhn lc p ng nhng yu cu v nhn s trong qu trnh hot ng v pht trin. Hng nm, VietinBank thc hin cng tc o to v o to li cn b, o to nghip v chuyn su cc n v t ch trong hot ng kinh doanh, tip cn phc v khch hng, pht trin sn phm, dch v; thng xuyn t chc cc t hc tp, thc tp, kho st, hi tho trong v ngoi nc v cc lnh vc then cht nh qun tr ri ro, gii S l ng (ngi) T l (%)
17.758 12.865 945 1.186 2.762 17.758 32 13.956 2.179 1.591 17.758 1.467 16.291
100 72.45 5.32 6.68 15.55 100 0.18 78.59 12.27 8.96 100 8,26 91,74
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php cng ngh cho ngn hng, ti tr thng mi, thm nh, dch v ngn hng bn bun v bn l, v.v. c bit, VietinBank ch trng nng cao trnh l lun, phm cht v nng lc cn b cho s nghip pht trin ca Ngn hng, quan tm ti chnh sch h tr kinh ph o to, u i tin lng cn b, thu ht tuyn dng nhn ti, nh gi s dng cn b ng ngi ng vic pht huy hiu qu cng tc qun tr iu hnh. Cc chnh sch vi ngi lao ng Ch lm vic Ngi lao ng trong h thng VietinBank thc hin lm vic theo HL k kt (tr cc chc danh khng thuc i tng k kt HL gm: Hi ng qun tr, Ban iu hnh, K ton trng). Thi gi lm vic ca ngi lao ng khng qu 08 gi/ngy hoc 48 gi/tun quy nh ti iu 6 Quy ch ni quy lao ng ban hnh km theo Quyt nh 010/Q-HQT-VIETINBANK1 ngy 07/01/2009 ca Hi ng qun tr VietinBank v quy nh ti iu 9 Tha c lao ng tp th s 01/TUTTVIETINBANK1/BL-C ngy 06/03/2009 ca VietinBank v Cng on VietinBank. Chnh sch tuyn dng, o to Ngn hng ban hnh Quy ch tuyn dng lao ng, theo Ngn hng thc hin vic tuyn dng lao ng c trnh , nng lc p ng yu cu kinh doanh v tiu chun chc danh. Nhn thc c tm quan trng ca ngun nhn lc trong s pht trin ca Ngn hng, VietinBank c bit ch trng ti vic o to v pht trin ngun nhn lc. VietinBank thng xuyn t chc o to ni b, ng thi khuyn khch nhn vin nng cao trnh thng qua vic tham gia cc kho hc bn ngoi do Ngn hng i th. Ngn hng ban hnh Quy ch o to, bi dng cn b cho ton h thng. Chnh sch lng, thng, phc li Tin lng v tin thng tr cho ngi lao ng trong VietinBank cn c vo hiu qu kinh doanh, chc danh cng vic v ch tin lng theo Quy ch tin lng c ban hnh, bao gm: Lng c bn: Ngi lao ng c tr lng c bn theo h thng thang bng lng Nh nc quy nh ti Ngh nh 205/2004/N-CP ngy 14/12/2004 ca Chnh ph v mc lng ti thiu Nh nc quy nh theo tng giai on. Lng kinh doanh: VietinBank thc hin tr lng theo v tr cng vic, theo mc hon thnh k hoch, cng vic c giao trn c s cc mc lng VietinBank xy dng ti quy nh tr lng trong h thng VietinBank ban hnh km theo Quyt nh 126.
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Mc lng trung bnh nm 2006 l 5.495 nghn ng/ngi/thng, nm 2007 l 8.374 nghn ng/ngi/thng, nm 2008 l 11.271 nghn ng/ngi/thng v nm 2009 l 15.610 nghn ng/ngi/thng.
10. Chnh sch c tc

Cn c theo iu l ca Ngn hng Thng mi C phn Cng thng Vit Nam, t l c tc hng nm do Hi ng qun tr xut v do i hi ng c ng quyt nh nh sau: C tc c chia theo quyt nh ca i hi ng c ng trn c s ngh ca Hi ng qun tr. VietinBank chi tr c tc cho c ng sau khi hon thnh ngha v thu v cc ngha v ti chnh khc theo quy nh ca Php lut; trch lp cc qu VietinBank v b p l trc theo quy nh ca iu l ny v Php lut; ngay sau khi tr ht s c tc nh, VietinBank vn bo m thanh ton cc khon n v ngha v ti sn khc n hn (nu c). C tc tr cho c phn ph thng c xc nh cn c vo ngun li nhun gi li ca VietinBank do i hi ng c ng quyt nh. C tc c th c chi tr bng tin mt, bng c phn ca VietinBank hoc bng ti sn khc do Hi ng qun tr ngh v i hi ng c ng quyt nh. Hi ng qun tr phi lp danh sch c ng c nhn c tc, xc nh mc c tc c tr i vi tng c phn, thi hn v hnh thc tr chm nht 30 ngy trc mi ln tr c tc. Thng bo v tr c tc gi bng phng thc bo m n c a ch ng k tt c c ng chm nht 15 ngy trc khi thc hin tr c tc. Hi ng qun tr c th thanh ton c tc gia k nu xt thy vic chi tr ny ph hp vi kh nng thanh ton v sinh li ca VietinBank. Tr trng hp c phiu c cc quyn i km hoc cc iu khon pht sinh c phiu c quy nh khc, mc c tc ca nhng c phiu cha c thanh ton ht c tr theo t l tng ng vi khon tin thanh ton cho vic mua c phiu tnh n thi im chi tr c tc. VietinBank khng chi tr c tc b sung khi cc c phiu c thanh ton ht. VietinBank khng tr li cho bt c mt khon c tc hay khon tin no khc m c ng cha nhn khi n hn tr c tc.
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Hi ng qun tr, Ban iu hnh, Ban kim sot, k ton tr ng

Hi ng qun tr
1. H v tn: PHM HUY HNG Ch tch HQT Gii tnh: Nam Ngy thng nm sinh: 02/11/1954 CMND: 011539613 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Ng Ngn, T Lim, H Ni a ch thng tr: S 06/154 ph Phng Lit, qun Thanh Xun, H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Tin s Kinh t (1995 1997 i hc Ti chnh K ton) Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 1973 n 1978 02/1978 n 09/1980 10/1980 n 06/1988 07/1988 n 02/1990 02/1990 n 03/1992 04/1992 n 04/1993 05/1993 n 04/1994 05/1994 n 10/1996 11/1996 n 04/2002 04/2002 n 07/2002 07/2002 n 10/2007 Sinh vin i hc Ti chnh K ton khoa Ngn hng Cn b V thng nghip Vt t B Ti chnh Cn b V Tn dng Thng nghip NHNN Vit Nam Ph vn phng Ngn hng Cng thng Vit Nam Ph Trng phng tn dng NHCT Vit Nam Trng phng Tin t Ngn hng Cng thng Vit Nam Ph Gim c Chi nhnh NHCT Ba nh Gim c Chi nhnh NHCT Ba nh Ph Tng gim c NHCT Vit Nam Quyn Tng gim c NHCT Vit Nam UVHQT kim Tng gim c NHCT Vit Nam ngy cp: 19/01/2005 ni cp: H Ni
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11/2007 n 05/2009
Ch tch HQT - Ngn hng Cng thng VN B th ng u Ngn hng Cng thng Vit Nam
T 6/2009 n Nay
Ch tch HQT Ngn hng Thng mi c phn Cng thng Vit Nam
Chc v cng tc hin nay: Ch tch HQT Ngn hng TMCP Cng thng Vit Nam Ch tch HQT Cng ty u t v kinh doanh vng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: S lng chng khon s hu: i din vn Nh nc: 450.118.912 c phntng ng (40% vn iu l) Ca bn thn: 3.000 CP S lng chng khon ca ngi c lin quan: 2.600 cp V: Phm Th Ha Minh 2.600 cp : PHM XUN LP - y vin HQT :Nam Khng
2. H v tn Gii tnh
Ngy thng nm sinh :01/05/1953 CMND: 011155766 ngy cp: 17/06/2004; ni cp: H Ni
Ni sinh: x Yn T - huyn Yn M, tnh Ninh Bnh Quc tch: Vit Nam Dn tc: Kinh Qu qun: X Yn T - Huyn Yn M, tnh Ninh Bnh a ch thng tr: 15A7 Ng 20 ph Trng nh - qun Hai B Trng H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Tin s Kinh t (1997 2002, Hc vin Ngn hng) Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua):
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1971 n 1974 1974 n 1980 11/1980 n 11/1989 11/1989 n 01/1992 02/1992 n 03/1993 04/1993 n 03/1994 03/1994 n 04/1996 05/1996 n 12/1996 01/1997 n 09/1999 10/1999 n 10/2007 11/2007 n 5/2009 11/2007 n nay T 6/2009 n nay
Tt nghip PTTH v tham gia sn xut ti qu Hc chnh quy i hc Ti chnh Matxcowva, Lin X Cn b V Kinh t K hoch NHNN Vit Nam Trng phng Kinh t K hoch NHNN Vit Nam Chuyn vin phng Tn dng NHCT Vit Nam Trng phng Cn i NHCT Vit Nam Gim c iu hnh Hi s chnh NHCT Ph Gim c NHCT khu vc Chng Dng Gim c VIETINBANK Ba nh Ph Tng gim c NHCT Vit Nam U vin HQT NHCT Vit Nam Tng Gim c NHCT Vit Nam y vin HQT Ngn hng thng mi c phn Cng thng Vit Nam
Chc v cng tc hin nay: U vin HQT - Tng Gim c Ngn hng Thng mi c phn Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: i din vn Nh nc: 337.589.184 c phntng ng (30% vn iu l) Ca bn thn: 2.800 c phn S lng chng khon ca ngi c lin quan: 55.000 c phn V Trn M Phng s hu 50.000 c phn Em trai Phm Ngc Dng 5.000 c phn
83
3. H v tn: Gii tnh: N
PHM TH HONG TM - y vin HQT
Ngy thng nm sinh: 05/06/1958 CMND: 020588498 Ni sinh: Tnh Bn Tre Quc tch: Vit Nam Dn tc: Kinh Qu qun: Tnh Bn Tre a ch thng tr: 133 Kim M, qun Ba nh, thnh ph H Ni S in thoi lin lc c quan: Trnh vn ha: 12/12 Trnh chuyn mn: Tin s Kinh t Qu trnh cng tc: 1977 n 1981 01/1982 n 04/1984 04/1984 n 05/1987 06/1987 n 07/1988 08/1988 n 05/1991 05/1991 n 10/1991 11/1991 n 09/1999 10/1999 n 01/2003 02/2003 n 08/2006 9/2006 - 5/2009 Sinh vin trng i hc Kinh t thnh ph H Ch Minh Cn b tn dng Ngn hng Nh nc th x Bn Tre Trng phng TD Ngn hng Nh nc th x Bn Tre Ph Gim c Ngn hng Nh nc th x Bn Tre Ph Gim c NHCT tnh Bn Tre Quyn Gim c NHCT tnh Bn Tre Gim c NHCT tnh Bn Tre Ph Tng gim c NHCT Vit Nam Ph Tng gim c Ngn hng Pht trin nh BSCL U vin HQT - Ngn hng Cng thng VN, kim Trng ban Kim sot t ngy 01/09/2007. y vin HQT Ngn hng Thng mi c phn Cng thng Vit Nam ngy cp: 18/10/2002 ni cp: H Ch Minh
5/2009 n nay
84
Chc v cng tc hin nay : y vin HQT Ngn hng Thng mi c phn Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: i din vn Nh nc: 216.377.404 c phn tng ng (19,23% vn iu l) Ca bn thn: 12.600 c phn S lng chng khon ca ngi c lin quan: 1.700 c phn Con trai: Nguyn Tn Pht s hu 1.700 c phn : TRN XUN CHU - y vin HQT Nam
4. H v tn Gii tnh:
Ngy thng nm sinh: 06/03/1959 CMND: 010450227 ngy cp: 11/07/2007 ni cp: H Ni Ni sinh: Qung Bnh Quc tch: Vit Nam Dn tc: Kinh Qu qun: Hng Tr, Tha Thin Hu. a ch thng tr: 504A, s 6 L Thnh Tng, TP H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: C nhn Kinh t Ngn hng K19 Trng Kinh t K hoch. Qu trnh cng tc: 1977 n 1982 Sinh vin trng i hc Kinh t K hoch (Nay l trng i hc Kinh t Quc dn - Khoa Ngn hng) Cn b Tn dng chi nhnh NHCT Ba nh Ph b th B th on c s NHCT Ba nh ng u vin ng b NHCT Ba nh
02/1983 n 01/1991 T 1985 n 1991 T 1989 n 1991
85
02/1991 n 07/2008 Nm 1992 Nm 1993 04/1998 08/2008 n 5/2009 T 6/2009 n nay
V qun l cc Ngn hng Ngn hng Nh nc VN Ph trng phng Trng phng Ph v trng U vin Hi ng Qun tr NHCT Vit Nam U vin Hi ng Qun tr Ngn hng Thng mi c phn Cng Thng Vit Nam Vit Nam
Chc v cng tc hin nay: U vin Hi ng Qun tr Ngn hng Thng mi c phn Cng thng Vit Nam. Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 2.500 c phn S lng chng khon ca ngi c lin quan: 0 c phn
NGUYN HNG VN - y vin HQT
Ngy thng nm sinh: 11/12/1969 CMND: 011567149 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Ct Nhn Ph Ct Bnh nh a ch thng tr: S 62 Trn Quc Ton, H Ni S in thoi lin lc c quan: Trnh vn ha: 12/12 Trnh chuyn mn: Thc s Ti chnh Ngn hng (nm 2007) Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): ngy cp: 15/03/2009 ni cp: H Ni
86
1986 n 1990 12/1990 n 07/1995 07/1995 n 03/2003 03/2003 n 03/2006 03/2006 n 08/2008 09/2008 n 05/2009 5/2009 n nay
Sinh vin i hc Kinh t Quc Dn H Ni Cn b phng K hoch Ngn hng Cng thng Ph phng Cn i Tng hp NHCT Trng phng K hoch Tng hp & u t NHCT Trng phng K hoch Tng hp & H tr ALCO NHCT U vin HQT - Ngn hng Cng thng VN U vin HQT - Ngn hng Thng mi c phn Cng thng VN U vin HQT Ngn hng Cng thng Vit Nam. Ch tch HQT Cng ty Bo him NHCT VN
Chc v cng tc hin nay:
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng S lng chng khon s hu: 1.700 c phn S lng chng khon ca ngi c lin quan: 0 c phn 6. H v tn: Gii tnh: N TRN TH HNG HNH - y vin HQT
Ngy thng nm sinh: 07/11/1958 CMND: 010968764 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Phng Sn Triu Phong Qung Tr. a ch thng tr: 61 Nguyn Du - H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Ph tin s/ Tin s nm 1997. Qu trnh cng tc: ngy cp: 18/02/2008 ni cp: H Ni
87
11/1975 n 01/1980 07/1980 n 11/1990 12/1990 n 01/1993 02/ 1993 n 03/1993
Sinh vin trng i hc Ti chnh K ton Gio vin trng Cao cp Nghip v Ngn hng Thc tp sinh ti Lin X Cn b Phng Thng tin phng nga ri ro V Tn dng Ngn hng Nh nc Vit Nam Ph trng phng Phng Thng tin phng nga ri ro Trng phng Phng Thm nh d n V Tn dng Ph V trng V Tn dng Ngn hng Nh nc Vit Nam y vin HQT Ngn hng Thng mi c phn Cng thng Vit Nam
04/1993 n 11/1994
12/1994 n 04/1998
04/1998 n nay
06/2009 n nay
Chc v cng tc hin nay: y vin HQT Ngn hng Thng mi c phn Cng thng Vit Nam Ph V trng V Tn dng Ngn hng Nh nc Vit Nam; Ch tch Cng on b phn V Tn dng; UVBCH Cng on Ngn hng Nh nc Trung ng; UVBCH Trung ng Hi Lin hip Ph n Vit Nam kho X.
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 0 c phn S lng chng khon ca ngi c lin quan: 0 c phn 7. H v tn: Gii tnh: TH THU - y vin HQT N
Ngy thng nm sinh: 04/01/1960 CMND: 010442664 ngy cp: 08/11/2004 ni cp: H Ni
88
Ni sinh: Thi Nguyn Quc tch: Vit Nam Dn tc: Kinh Qu qun: Thn Thng Lc, x C Thnh, huyn Ch Linh, tnh Hi Dng a ch thng tr: 25 ng 12 Cha Bc, qun ng a, thnh ph H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Tin s Kinh t Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 02/1982- 07/1997 Ging vin trng Cao cp Nghip v Ngn hng (nay l Hc vin Ngn hng H Ni) Cn b Tn dng Tr s chnh NHCT Vit Nam Ph phng Tn dng Ngn hn NHCT Vit Nam Trng phng Tn dng Ngn hn NHCT Vit Nam Trng phng Khch hng Doanh nghip ln NHCT Gim c chi nhnh NHCT Ba nh U vin HQT Ngn hng Cng thng VN y vin HQT Ngn hng Thng mi c phn Cng tng Vit Nam
08/1997 - 02/2001 03/2001 - 03/2003 04/2003 - 10/2003 11/2003 - 05/2007 06/2007 - 07/2008 08/2008 - 5/2009 06/2009 nay
Chc v cng tc hin: U vin Hi ng Qun tr Ngn hng Thng mi c phn Cng thng Vit Nam. Ch tch HQT Cng ty CP Chng khon NHCT VN Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 7.600 c phn S lng chng khon ca ngi c lin quan: 7.500 c phn Chng Kim c Thnh s hu 7.500 c phn
89
Ban iu hnh
1. 2. H v tn: H v Tn: PHM XUN LP - Tng Gim c (s yu l lch xem trong phn HQT) NGUYN VIT MNH - Ph Tng Gim c
Gii tnh: Nam Ngy thng nm sinh: 15/02/1962 CMND:110511834 ngy cp: 22/5/1979 ni cp: CA H Sn Bnh
Ni sinh: Qung Ph Cu, ng Ha, H Ty Quc tch: Vit Nam Dn tc: Kinh Qu qun: Qung Ph Cu, ng Ha, H Ty a ch thng tr: 98 Vng H, Chng Dng, Hon Kim, H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Thc s kinh t Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 4/1984 3/1987 4/1987 12/1992 01/1993 01/1997 02/1997 01/1999 02/1999 9/1999 10/1999 3/2003 4/2003 n nay Chc v cng tc hin nay: Ph Tng gim c VietinBank UV HQT Ngn hng Thng mi c phn Si Gn Cng thng; UV HQT Cng ty Banknet Cn b tn dng Ngn hng Qung Nam- Nng Cn b Tn dng Ngn hng Cng thng ng a Ph phng, TP K ton NHCT ng a Ph Gim c Ngn hng Cng Thng ng a Gim c Ngn hng Cng Thng ng a Gim c Ngn hng Cng Thng Ba nh Ph Tng gim c NH TMCP Cng thng Vit Nam
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng
90
Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 2.400 c phiu S lng chng khon ca ngi c lin quan: 2.400 c phn V V Th Lan Hng s hu 2.400 c phn NGUYN VN THNH - Ph Tng Gim c
3. H v tn: Gii tnh: Nam
Ngy thng nm sinh: 01/01/1960 CMND: 012708469 ngy cp: 24/5/2004 ni cp:Cng an H Ni Ni sinh: V Bn, Nam nh Quc tch: Vit Nam Dn tc: Kinh Qu qun: i Thng, V Bn, Nam nh a ch thng tr: 38/160 Ph Ho Nam, qun ng a, H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Tin s Kinh t Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 04/1982 04/1985 05/1985 3/1991 04/1991 8/1994 09/1994 01/1996 02/1996 9/1999 T 10/1999 n nay Cn b Tn dng Ngn hng Nh nc Th x Hng Gai Cn b k ton Ngn hng H Nam Ninh Ph phng K ton Ngn hng Cng thng Vit Nam Chnh vn phng Ngn hng Cng thng Vit Nam Trng phng Qun l ti chnh VietinBank Ph tng Gim c VietinBank
Chc v cng tc hin nay: Ph tng Gim c VietinBank UV HQT Qu tn dng Nhn dn Trung ng
91
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 2.600 c phn S lng chng khon nm gi ca ngi c lin quan: 4.600 c phn V Th Kim Thoa nm gi 4.600 c phn NGUYN VN DU Ph Tng Gim c
Ngy thng nm sinh: 04/6/1962 CMND:S 010311024 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Qung Nhn Chnh Thanh Xun H Ni a ch thng tr: 12A02, Nh 24T1, ng Hong o Thy, H Ni S in thoi lin lc c quan: 04.394211200 Trnh vn ha: 10/10 Trnh chuyn mn: Thc s kinh t Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 3/1986-7/1987 Cn b Phng K ton ti chnh NHNN huyn Thanh Tr, H Ni Cn b Phng Tn dng Chi nhnh VietinBank ng a Cn b Phng Kinh t i ngoi VietinBank Ph trng Phng Kinh t i ngoi VietinBank Quyn Trng phng Khai thc vn quc t VietinBank Trng phng Quan h i l v khai thc vn quc t VietinBank ngy cp: 09/12/2002 ni cp: H Ni
8/1987-02/1991 3/1991-3/1995 4/1995-6/1995 7/1995-3/1996 4/1996-3/2003
92
4/2003-7/2008 8/2008-Nay
Trng phng T chc cn b v o to VietinBank Ph Tng gim c VietinBank
Chc v cng tc hin nay: 5/1997-nay 2004-nay 2007-nay 2008-nay 8/2008 Nay 2009 - Nay y vin Hi ng qun tr NHLD Indovina y vin Thng v ng y VietinBank Ch tch Cng on Tr s chnh VietinBank Ch tch Cng on VietinBank Ph Tng gim c VietinBank y vin Ban chp hnh TW Hip hi Kinh doanh Vng VN
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 12.200 c phn S lng chng khon ca ngi c lin quan: 400 c phn Anh Trai Nguyn Cao Khnh nm gi 400 c phn PHM ANH TUN - Ph Tng Gim c Nam
5. H v tn: Gii tnh:
Ngy thng nm sinh: 09/4/1966 CMND: 021744805 ngy cp: 23/02/2006 ni cp: CA TP HCM
Ni sinh: TP. H Ch Minh Quc tch: Vit Nam Dn tc: Kinh Qu qun: Hi Chu, Hi Hu, Nam nh a ch thng tr: 157/23/2B Pho i Lng, ng a, H Ni S in thoi lin lc c quan: Trnh vn ha: 12/12 Trnh chuyn mn: Thc s Qun tr Kinh doanh
93
Qu trnh cng tc: 8/1990-1/1994 CB Trung tm tnh ton NH TP H Ch Minh, S giao dch II Ngn hng Cng thng Vit Nam Ph trng phng Thng tin in ton S giao dch II VietinBank Trng phng Thng tin in ton S giao dch II Ph phng TTT S giao dch II VietinBank Ph phng TTT Vn phng i din Gim c Trung tm Cng ngh thng tin VietinBank Ph tng gim c VietinBank
02/1994 2/1995
3/1995 9/1997 10/1997 4/1999 5/1999 5/1999 6/1999 7/2008 8/2008 n nay
Chc v cng tc hin nay: Ph Tng gim c Ngn hng Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: S lng chng khon nm gi ca c nhn: 51.800 cp S lng chng khon nm gi ca ngi c lin quan: 6.700 cp V on Th Thu H nm gi 6.700 c phn BI NH Ph Tng Gim c
Ngy thng nm sinh: 15/4/1962 CMND: 011706614 ngy cp: 25/7/2007 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Hi Bc, Hi Hu, Nam nh a ch thng tr: Nh 24 Ng 81 ng ng Vn Ng, ng a, H Ni S in thoi lin lc c quan: ni cp: H Ni
94
Trnh vn ha: 10/10 Trnh chuyn mn: Thc s Kinh t Qu trnh cng tc: 11/1984 - 4/1990 5/1990 - 3/1993 4/1993 - 4/1995 05/1985 - 9/1997 10/1997- 10/2003 11/2003 - 2/2006 3/2006 - 5/2007 06/2007 - 7/2008 8/2008 - n nay Cn b Ngn hng Cng thng Hai B Trng Cn b tn dng NHCT H Ni Cn b tn dng NHCT Vit Nam Ph phng XD&QLDA u t NHCT VN Ph phng QLDA&TDTH NHCT VN Trng phng Qun l tn dng NHCT VN Trng phng Ch tn dng, u t NHCT VN Trng phng Khch hng doanh nghip ln NHCT Ph Tng Gim c NHCT VN
Chc v cng tc hin nay: Ph Tng Gim c Ngn hng TMCP Cng thng Vit Nam Hnh vi vi phm php lut: Khng Quyn li mu thun vi li ch Cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu ca bn thn: 11.985 c phn S lng chng khon nm gi ca ngi c lin quan: 0 c phn 7. H v tn: Gii tnh: Nam Ngy thng nm sinh: 24/10/1967 CMND: 022835428 ngy cp: 24/10/2008 Ni sinh: Si Gn Quc tch: Vit Nam Dn tc: Kinh Qu qun: ni cp: TP. H Ch Minh V MINH TUN Ph Tng Gim c
95
a ch thng tr: 160 ng ch Khim, Qun 11, TP. H Ch Minh. S in thoi lin lc c quan: 04.39421030 Trnh vn ha: 10/10 Trnh chuyn mn: Thc s Kinh t (Chuyn ngnh Kinh t pht trin) Qu trnh cng tc: 01/1990 - 02/1998 03/1998 - 07/2001 08/2001 - 09/2005 10/2005 - 01/2008 02/2008 - 03/2010 04/2010 - nay Cn b Phng K ton ti chnh NHCT chi nhnh TP.HCM Ph Phng Thanh ton Quc t NHCT Chi nhnh TP. HCM Trng phng K ton ti chnh NHCT Chi nhnh TP.HCM Ph Gim c NHCT Chi nhnh TP.HCM Gim c NHCT Chi nhnh 1 TP.HCM Ph Tng Gim c NHCT VN
Chc v cng tc hin nay: Ph Tng Gim c NHCTK VN Hnh vi vi phm php lut: Khng Quyn li mu thun vi li ch Cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu ca bn thn: 4.300 c phn S lng chng khon nm gi ca ngi c lin quan: 2.061 c phn V Trn Kim Thu nm gi 2.061 c phn L C TH Ph Tng Gim c
Ngy thng nm sinh: 25/7/1970 CMND: 012942814 ngy cp: 11/4/2007 Ni sinh: Ph Th Quc tch: Vit Nam Dn tc: Kinh Qu qun: Ph Th a ch thng tr: P108, Nh C3, Lng Quc t Thng Long, Dch Vng, Cu Giy, H Ni. ni cp: H Ni
96
S in thoi lin lc c quan: 04.39421030 Trnh vn ha: 12/12 Trnh chuyn mn: Tin s Kinh t Qu trnh cng tc: 11/1991 - 12/1992 01/1993 - 03/1995 Cn b Phng K ton NHCT chi nhnh Vnh Ph Cn b Phng Thng tin in ton NHCT Chi nhnh Vnh Ph Cn b Phng Tn dng NHCT Chi nhnh Vnh Ph T trng t thm nh thuc Phng Kinh doanh NHCT Chi nhnh Vnh Ph Ph Trng Phng Kinh doanh NHCT Chi nhnh Ph Th Cn b Phng Tn dng Trung di hn v QL D n NHCT VN Ph Trng Phng Cn i tng hp NHCT VN Ph Trng Phng K hoch tng hp v u t NHCT VN Trng Phng u t NHCT VN Ph Tng Gim c Ngn hng TMCP Cng thng Vit Nam
04/1995 - 08/1996 09/1996 - 12/1996
01/1997- 04/2002 05/2002 05/2003
06/2003 - 10/2003 11/2003 02/2006 03/2006 03/2010 04/2010 nay
Chc v cng tc hin nay: Ph Tng Gim c Ngn hng TMCP Cng thng Vit Nam y vin HQT Cng ty C phn PCB y vin HQT Cng ty CP Chng khon NHCT y vin HQT, Trng BKS Cng ty u t v Kinh doanh Vng Vit Nam Ph Ch tch Hip hi Th trng tri phiu Vit Nam Hnh vi vi phm php lut: Khng Quyn li mu thun vi li ch Cng ty: Khng Cc khon n i vi Cng ty: Khng
97
S lng chng khon s hu ca bn thn: 15.700 c phn S lng chng khon nm gi ca ngi c lin quan: 5.000 c phn V Trn Th Minh V nm gi 5.000 c phn NGUYN VN CHUNG K ton trng Nam
H v tn: Gii tnh:
Ngy thng nm sinh: 10/01/1956 CMND: 011700004 ngy cp: 24/10/2005 ni cp: CA H Ni Ni sinh: Ngha Hng, Quc Oai, H Ty Quc tch: Vit Nam Dn tc: Kinh Qu qun: Ngha Hng, Quc Oai, H Ty a ch thng tr: 59 Ng 7 Thi H, Trung Lit, ng a, TP H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: C nhn Kinh t (i hc Ti chnh) Qu trnh cng tc: 02/1975-7/1980 8/1980 02/1985 3/1985- 3/1990 4/1990- 3/1992 4/1992- 3/1994 4/1994 3/1998 4/1998 n nay B i Trung on 559 BCH QS An Giang Chuyn ngnh i hc Cn b, Trng phng NHT H Sn Bnh Cn b k ton NHCT VN Ph phng K ton Thanh ton Quc t NHCT VN Trng phng Thanh ton Quc t NHCT VN K ton trng NHCT VN
Chc v cng tc hin nay: K ton trng Ngn hng TMCP Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng
98
S lng chng khon s hu: 53.300 c phn S lng chng khon nm gi ca ngi c lin quan: 13.223 c phn V Nguyn Th o nm gi 1.900 c phn Con gi Nguyn Thanh Hng nm gi 4.123 c phn Con trai Nguyn Tin Dng nm gi 5.200 c phn Em trai Nguyn Vn Thc nm gi 2.000 c phn
Ban kim sot

1. H v tn: Gii tnh: N TRN TH L NGA - Trng Ban kim sot
Ngy thng nm sinh: 07/09/1961 CMND: 010479290 Ni sinh: H Ni Quc tch: Vit Nam Dn tc: Kinh Qu qun: Hong Diu, ng Hng, tnh Thi Bnh a ch thng tr: 150 T 4, Thng Thanh, Long Bin, H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: Thc s Kinh t, kho 11 trng HKT Quc Dn Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 1979 - 1983 04/1984 - 08/1988 09/1988 - 04/1994 05/1994 - 11/1994 12/1994 - 05/2001 06/2001 - 03/2003 04/2003 - Nay Sinh vin trng Cao ng Ngn hng Cn b Tn dng Ngn hng Nh nc huyn Gia Lm Cn b Tn dng Chi nhnh NHCT Chng Dng Ph phng Kinh doanh chi nhnh NHCT Chng Dng Trng phng Kinh doanh N - NHCT Chng Dng Ph Gim c chi nhnh NHCT Chng Dng Gim c chi nhnh NHCT Chng Dng ngy cp: 18/06/2001 ni cp: H Ni
99
06/2009 Nay
Trng Ban Kim sot Ngn hng Thng mi c phn Cng Thng Vit Nam
Chc v cng tc hin nay: Trng Ban kim sot Ngn hng Thng mi c phn Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 20.325c phn S lng chng khon nm gi ca ngi c lin quan: 430 c phn Em trai Trn Cng Thnh nm gi: 430 c phn : PHAN TH QU - y vin Ban kim sot
2. H v tn Gii tnh: N
Ni sinh: Tnh Bc Giang Quc tch: Vit Nam Dn tc: Kinh Qu qun: Tnh H Ty ( nay l thnh ph H Ni) a ch thng tr: Phng 501A, D3 t 78, phng Dch Vng, qun Cu Giy, H Ni S in thoi lin lc c quan: Trnh vn ha: 10/10 Trnh chuyn mn: i hc Ti chnh Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 01/1974 - 02/1978 02/1978 - 06/1979 Sinh vin trng i hc Ti chnh Lm cng tc ci tin qun l Ti chnh ca B Ti chnh ti Thnh ph H Ch Minh. Gio vin trng Trung hc Ngn hng min ni Bc Thi ti ng H, tnh Thi Nguyn
06/1979 - 12/1980
100
01/1981 - 07/1994
Gio vin trng Trung hc Ngn hng 4 ti Sn Ty, H Ty Cn b Tn dng ti chi nhnh NHCT Khu vc Ba nh Cn b Tn dng ti phng Tn dng ngn hn phng Khch hng Doanh nghip va v nh ti Tr s chnh NHCT Kim tra vin ti Ban Kim tra kim sot Ni b NHCT Thnh vin Ban Kim sot HQT Ngn hng cng thng Vit Nam y vin Ban Kim sot Ngn hng Thng mi c phn Cng thng Vit Nam
07/1994 - 08/1998 09/1998 - 05/2005
06/2005 - 12/2007 01/2008- 5/2009
06/2009 - Nay
Chc v cng tc hin nay: y vin Ban Kim sot Ngn hng Thng mi c phn Cng thng Vit Nam Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 6.000 c phn S lng chng khon nm gi ca ngi c lin quan: 1.500 c phn Con gi Nguyn Thu Tr nm gi 1.500 c phn PHM TH THM - y vin Ban kim sot N
3. H v tn: Gii tnh:
Ni sinh: X Yn T - huyn Yn M tnh Ninh Bnh Quc tch: Vit Nam Dn tc: Kinh Qu qun: X Yn T - huyn Yn M tnh Ninh Bnh a ch thng tr: S nh 33 ng 12 - Quang Trung, ng a, H Ni S in thoi lin lc c quan: Trnh vn ha: 12/12
101
Trnh chuyn mn: Thc s chuyn ngnh Ti chnh Ngn hng Qu trnh cng tc (nu tm tt ni cng tc, chc v, ngh nghip qua): 10/1986 n 10/1990 Sinh vin trng Cao cp Nghip v Ngn hng (nay l Hc vin Ngn hng H Ni) Nhn vin Ngn hng No&PTNT chi nhnh H Ni Ph phng K ton Ngn hng No&PTNT chi nhnh H Ni Trng phng K ton Ngn hng No&PTNT chi nhnh HN Chuyn vin phng Ch V K ton - Ti chnh NHNN Ph phng Ch V K ton - Ti chnh NHNN Trng phng Ch V K ton - Ti chnh NHNN y vin Ban kim sot Ngn hng Thng mi c phn Cng thng Vit Nam
03/1991 n 09/2001 10/2001 n 09/2003
10/2003 n 12/2005
01/2006 n 10/2006
11/2006 n 12/2008 T 01/2009 n nay 06/2009 n nay
Chc v cng tc hin nay: y vin Ban kim sot Ngn hng Thng mi c phn Cng thng Vit Nam Trng phng Ch V Ti chnh K ton NHNN VN
Hnh vi vi phm php lut (nu c): Khng Quyn li mu thun vi li ch cng ty: Khng Cc khon n i vi Cng ty: Khng S lng chng khon s hu: 0 c phn S lng chng khon nm gi ca ngi c lin quan: 0 c phn
11. Tnh hnh hot ng ti chnh

Cc ch tiu ti chnh ch yu Bng 16: Cc ch tiu ti chnh c bn ca VietinBank
Ch tiu Quy m vn Nm 2006 Nm 2007 Nm 2008 Nm 2009
102
Ch tiu - Vn ch s hu (triu ng) - Tng ti sn C (triu ng) - T l an ton vn Car Kt qu hot ng kinh doanh - S d huy ng vn (triu ng) - S d cho vay (triu ng) - N nhm 2 (triu ng) - N xu (triu ng) - H s s dng vn + T l li nhun sau thu/Vn ch s hu bnh qun + T l li nhun sau thu/ Tng ti sn bnh qun - T l n nhm 2/ D n cho vay - T l n xu/ D n cho vay Ch tiu v kh nng thanh ton - Kh nng thanh ton ngay (%)
(*)
Nm 2006 5.637.625 135.442.520 5,18% 126.625.018 80.142.030 4.048.956 1.128.278
Nm 2007 10.646.529 11,62%
Nm 2008 12.336.159 12,02%
Nm 2009 12.572.078 8,06%
166.112.971 193.590.357 243.785.208
151.366.517 174.905.680 220.591.438 102.190.640 120.752.073 163.170.485 1.222.461 1.030.707 3.968.311 2.187.345 1.660.011 1.000.809
15,61% 0,48% 5,00% 1,40%
18,78% 0,76% 1,19% 1,01%
21,2% 1,00% 3,28% 1,81%
20,66% 1,54% 1,02% 0,61%
30,7% 52,8% (Ngun: VietinBank)
31,1% 53,9%
25,7% 55,9%
29,27% 58,70%
- Kh nng thanh ton chung (%)
(**)
(*)
Kh nng thanh ton ngay =
Ti sn C c th thanh ton ngay Ti sn N phi thanh ton ngay Tng d n cho vay trung, di hn Ngun vn dng cho vay trung, di hn
(**)
Kh nng thanh ton chung =
12. Ti sn
Bng ch tiu trn cho thy trong giai on 2006-2009, VietinBank c s tng trng c v quy m v kt qu hot ng kinh doanh, c th: V quy m, tc tng trng vn ch s hu nm 2007 t 88,8%, nm 2008 tng 15,8%; n nm 2009 t l ny khng c bin ng nhiu. Tc tng trng ti sn c nm 2007 t 22,6%, nm 2008 t 16,5%, nm 2009 t 25,90%. T l an ton vn Car c s ci thin r rt t 5,18% nm 2006 ln 11,62% nm 2007 v 12,02% nm 2008, nm 2009 l 8,06% cao hn so vi quy nh ca NHNN. V kt qu hot ng kinh doanh, tc tng trng huy ng vn nm 2007 l 19,5%, nm 2008 l 9,6%, nm 2009 l 26,10%; tc tng trng s d cho vay nm 2007 l 25,3%, nm 2008 t 18,03%, nm 2009 l 35,10%. T l n nhm 2/D n cho vay
103
cng c xu hng gim dn t 5,00% nm 2006 xung cn 1,19% nm 2007 v 3,28 % nm 2008; t l n xu t 1,4% nm 2006 xung cn 1,01% nm 2008. Trong nm 2009, t l n xu ca VietinBank ch c 0,61%. Trong giai on 2006-2009, t l li nhun sau th/vn ch s hu lin tc c ci thin. ROE nm 2009 t 20,6%. 13.1. Ti sn c nh theo s sch k ton ti thi im 31/12/2009 Bng 17: Tnh hnh ti sn c nh ti thi im 31/12/2009 n v: triu ng Ch tiu Ti sn c nh hu hnh Nh ca, vt kin trc My mc thit b Phng tin vn chuyn Ti sn c nh khc Ti sn c nh v hnh Tin thu t Quyn s dng t Phn mm k ton Ti sn v hnh khc Nguyn gi 3.699.517 835.803 2.216.774 446.709 200.231 1.756.616 849.888 681.362 215.460 9.906 Khu hao 1.924.273 363.336 1.193.954 235.107 131.876 234.330 84.988 36.669 111.573 1.100 Gi tr cn li 1.775.244 472.467 1.022.820 211.602 68.355 1.522.286 764.900 644.693 103.887 8.806
Ngun: Bo co ti chnh hp nht kim ton 2009 VietinBank 13.2. Tnh hnh qun l v s dng t Tng din tch t VietinBank hin ang qun l, s dng tnh n thi im 30/04/2010 l: 652.946 m, c chi tit nh sau: Bng 18: Tnh hnh qun l v s dng t Ni dung I. Phn theo hnh thc s dng t - t thu - t giao c thu tin hoc nhn chuyn nhng - Cha xc nh c hnh thc s dng t Ngun: VietinBank Din tch (m2) 652.946 327.554 251.962 73.430
104
Bng 19: Mt s khu t chnh do VietinBank ang s hu n v qun l, s dng Trng o to&PTNNL Trung tm CNTT Trung tm CNTT Cty KTTS Cty CTTC Cty CTTC NHCT VN NHCT VN NHCT VN NHCT VN VP HCM VP Mien Trung Hon Kim Ba nh ng a Thanh Xun Chng Dng Bc H Ni ng H Ni a ch Khu t ti s 133 ng Kim M, qun Ba nh, H Ni. Khu t ti s 46A Tng Bt H, H Ni. 75-79 ChuVan Lim, P.14, Q.5, TP HCM Tr s chnh ti 76 Nguyn Vn C, Q.1 Khu t ti s 16 Phan nh Phng, Ba nh, H Ni. Tr s chnh: 153 Hm Nghi, qun 1, Tp. HCM Khu t ti s 108 ng Trn Hng o, qun Hon Kim, H Ni. t thu ti Ciputra Khu t ti s 18 Phan nh Phng, qun Hon Kim, H Ni. 25 L Thng Kit t B5 P.Tn Tin Bin Ho ng Nai Tr s chnh - s 36 Trn Quc Ton - P. Hi Chu 1 - Q. Hi Chu - Tp. Nng 35 Hng B Khu t ti s 126 ng i Cn, qun Ba nh, H Ni. Khu t tr s chnh 187 Nguyn Lng Bng, ng a, H Ni Khu t ti khu Ni chnh - Thanh Xun TSC VIETINBANK Khu t ti 32/298 ng Ngc Lm, qun Long Bin, H Ni Tr s - 441 Nguyn Vn Linh, phng Phc ng, qun Long Bin, H Ni. Khu t ti s 284 ng H Huy Tp, th trn Yn Vin, huyn Gia Lm, H Ni. Din tch (m2) 918 300 418 356 486 81 1.023 29.932 62 2.850 46.027 1.404 179 1.077 1.167 1.500 4.315 1.659 1.314
105
n v qun l, s dng Hong Mai Nam Thng Long Hai B Trng ng Anh Ty H Ni Hi Phng T Hiu Sn L Chn Hng Bng Kin An Bc Kn Lo Cai Cao Bng Sn La Lng Sn Thi Nguyn Sng Cng Lu X
a ch Quyn s dng t u gi, ti khu n L Khu t ti s 117A ng Hong Quc Vit. Tr s chnh ti s 285 ng Trn Kht Chn, Hai B Trng, H Ni. TS CN Khu t ti Khi I, th trn ng Anh, huyn ng Anh, H Ni. Khu t ti s 72 ng H Tng Mu, huyn T Lim, H Ni. Tr s giao dch s 36 ng in Bin Ph, Thnh ph Hi Phng. Tr s giao dch, s 116 ng T Hiu, qun L Chn, Thnh ph Hi Phng. Gi tr quyn s dng t ti 193 L Thnh Tng, Sn, Hi Phng Gi tr quyn s dng t ti 124 Nguyn c Cnh Gi tr quyn s dng t ti 90 Trn Quang Khi Phng giao dch Kin An, s 83 Trn Thnh Ng, qun Kin An Tr s CN, 15 ng Trng Chinh, Tx Bc Kn, tnh Bc Kn Tr s chnh 007 Hong Lin, P.Cc Lu, Lo Cai Tr s CN, 064 ng Hong nh Giong, phng Hp Giang, TX Cao Bng, tnh Cao Bng Ng t Nguyn Lng Bng ph 3/2 - TP.Sn La Tr s chnh ti 51 L Li, P.Vnh Tri, Thnh ph Lng Sn, tnh Lng Sn. Tr s chnh s 62 Hong Vn Th Tr s chnh s 1 ng Thng Li, phng M Ch, TX Sng Cng, tnh Thi Nguyn. Tr s chnh s 656/1ng CMT8, phng Trung Thnh, TP Thi Nguyn.
Din tch (m2) 4.680 887 1.485 762 143 850 473 4.305 2.871 845 3.149 1.297 885 1.104 2.190 1.703 1.500 3.316 2.087
n v qun l, s dng Ph Th Nam Vit Tr TX Ph Th Vnh Phc n Hng Ha Bnh Phc Yn Phc Yn Bnh Xuyn Quang Minh
a ch Tr s chnh 1514 Hng Vng Tr s chnh, 806 i l Hng Vng, P. Thanh Miu, TP Vit Tr Tr s chnh ti s s 01 Ph An, phng Phong Chu, Th x Ph Th Tr s chnh s 4 Ng Quyn Vnh Yn, Vnh Phc Tr s chnh ti ti x Vn Ph, Thnh ph Vit Tr, tnh Ph Th S 186 ng C Chnh Lan, phng Phng Lm, Ho bnh Tr s chnh v tr 1 Tr s chnh v tr 2 Tr s chnh ti th trn Hng Canh Bnh Xuyn Tr s chnh ti x ng M Ty (Khu cng nghip Quang Minh) - x Quang Minh - huyn M Linh tnh Vnh Phc Tr s chnh s 45 ng Nguyn Vn C, phng Ng Quyn, TP Bc Giang. Tr s chnh s 31 ng Nguyn ng o Tr s chnh ti ng Nguyn, huyn T Sn, Bc Ninh. Tr s ti Khu cng nghip Tin Sn, tnh Bc Ninh. Tr s CN v TT lu tr ti x Hp Lnh, TP Bc Ninh, Tnh Bc Ninh t trong khu cng nghip Qu V Tr s mi 25/4 TP. H long, Q.Ninh Tr s giao dch c (Cnh Bum) s 120 L Thnh Tng Khu t ti 376 Trn Ph, Cm Trung, Cm Ph, Qung Ninh Tr s Chi nhnh Ngn hng Cng thng Ung B
Din tch (m2) 2.288 1.342 4.951 4.433 2.493 1.042 920 369 2.913 2.160
Bc Giang Bc Ninh Tin Sn KCN Tin Sn KCN Tin Sn Qu V Qung Ninh Qung Ninh Cm Ph Ung B
2.465 2.225 2.476 2.367 11.455 3.000 1.509 457 2.351 2.288
n v qun l, s dng
a ch ti 446 Quang Trung, Th x Ung B
Din tch (m2)
Bi Chy Mng Ci Mng Ci H Ty Sng Nhu Quang Trung Lng Ha Lc Lng Ha Lc Hi Dng
Tr s ti ng H Long, Bi Chy, H Long, Qung Ninh. Nh lm vic 3 tng - Tr s chng ti a ch s 01 Hu Ngh Tr s CN, 01 Vn n, Trn Ph ,phng Trn Ph, th x Mng Ci, Qung Ninh Tr s chnh 269 ng Quang Trung, H ng, H Ty Tr s chnh - s 10 Ng Quyn, H ng, H Ty Khu t ti s 104 ng Trn Ph, Vn M, H ng, H Ty. Tr s chnh S 3 khu Tn Bnh, th trn Xun Mai huyn Chng M - H Ni (H Ty) L A1 - THCT1 Khu th L Trng Tn GELEXIMCO Tr s giao dch s 1 ng Hng Quang, phng Nguyn Tri, Thnh ph Hi Dng Tr s giao dch, s 1 ng in Bin, phng L Li, Th x Hng Yn, tnh Hng Yn. Hin tai, t s dng n nh, khng c tranh chp. Khu t thu ti Th trn Bn Yn Nhn, huyn M Ho Tr s Chi nhnh Ngn hng Cng thng M Ho, Th trn Bn Yn Nhn, huyn M Ho Tr s giao dch ti ng 388, Th trn Ph Th, huyn Kinh Mn, tnh Hi Dng TS CN kim kho ng c Minh, phng Thanh Bnh, Thnh ph Hi Dng, tnh Hi Dng Tr s giao dch s 190 ng Hai B Trng, Thnh ph Thi Bnh Tr s lm vic 3 tng ti khu 5 Th trn Dim in Tr s chnh ti 119 ng Quang Trung, phng
1.461 982 318 1.000 1.060 574 594 8.053 1.781
Hng Yn
1.257
M Ho M Ho Nh Chiu KCN Hi Dng Thi Bnh Dim in Nam nh
3.476 630 2.159 2.960 1.699 383 2.927
n v qun l, s dng
a ch Quang Trung, Thnh ph Nam nh
Din tch (m2)
TP Nam nh H Nam Ninh Bnh Tam ip Tam ip Thanh Ha Sm Sn Bm Sn H Tnh Ngh An Ca L Bn Thy Bc Ngh An Qung Tr Qung Tr Hu Ph Bi Qung Bnh Nng Quang Nam Hi An
Tr s chnh ti 01 My T, phng Trn Hng o, thnh ph Nam nh Tr s mi ti ng L Hon (Quc l 1A), phng Quang Trung, Th x Ph L Tr s chnh ti ng Trn Hng o (Quc l 1A), phng Vn Giang, thnh ph Ninh Bnh Tr s CN, 17 P.Trung Sn Tr s chnh - nh ht c Bc Sn Tr s chnh ti s 17 Phan Chu Trinh, phng in Bin, Thnh ph Thanh Ha Tr s chnh Ph Ti Lc Phng trng Sn Tr s chnh ti 169 ng Trn Ph, phng Ba nh, th x Bm Sn Tr s chnh, 82 Phan nh Phng, TP H Tnh Tr s chnh ti s 7 Nguyn S Sch, phng H Huy Tp, thnh ph Vinh Tr s chnh Tr s chnh 229 L Dun Tr s chnh - X Qunh Vinh, Huyn Qunh Lu, Ngh An Tr s chnh - 236 H.Vng - ng H Qung Tr Khu t bn cnh tr s Tr s chnh ti s 2 L Qu n, phng Ph Hi, Thnh ph Hu Tr s chnh, khu 8 TT Ph Bi, huyn Hng Thy, Tha Thin Hu Tr s chnh 50 L thng Kit Tr s Chi nhnh Ngn hng Cng thng Nng - S 172 Nguyn Vn Linh, Tp. Nng Tr s chnh - S 22 Phan Bi Chu, Tp Tam K, tnh Qung Nam Tr s chnh - s 4 Hong Diu - Hi An
1.012 2.508 1.543 1.579 3.372 4.661 1.171 5.434 1.981 2.606 4.900 2.468 3.809 1.860 290 2.887 2.987 3.845 1.959 3.198 2.001
n v qun l, s dng Ng Hnh Sn Lin Chiu Gia Lai Gia Lai c Lc Bnh Phc Kon Tum Kon Tum Qung Ngi Bnh nh Bnh nh
a ch Chi nhnh VIETINBANK Ng Hnh Sn - S 49 Ng Hnh Sn - Tp. Nng 381 Nguyn Lng Bng, Q.Lin Chiu. nng Tr s lm vic - s 01 Trn Hng o - Tp. Pleiku - tnh Gia Lai PGD An Kh, ng Quang Trung - P. An Ph TX. An Kh - Tnh Gia Lai Tr s lm vic - s 35 Nguyn Tt Thnh, phng Tn Li, Tp. Bun Ma Thut Tr s chnh 622 Quc l 14 - Phng Tn Ph, TX ng Xoi, Tnh Bnh Phc Tr s CN s 92 Trn Ph, phng Thng Li, tnh Kontum Giao l Nguyn Bnh Khim, Nguyn Hu, Phng Quyt Thng, KonTum Tr s giao dch chnh - S 97 Hng Vng - P. Trn Hng o - Tp. Qung Ngi Hi s - s 257 L Hng Phong, Tp. Quy Nhn L t ng L Dun, P. L Thng Kit, Tp. Quy Nhn (Ngun: VietinBank)
Din tch (m2) 1.497 5.289 1.252 1.687 3.427 3.640 1.013 2.448 1.339 550 2.494
13. K hoch li nhun v c tc giai on 2010-2012

14.1. Chin l c ca NHTMCP Cng thng Vit Nam 14.1.1. Mc tiu chin lc tng th: Xy dng Ngn hng Cng thng Vit Nam tr thnh tp on ti chnh ngn hng hin i, xp hng tin tin trong khu vc: p ng ton din nhu cu v cc sn phm, dch v ngn hng, ti chnh, h tr tt nht cho khch hng trong nc v quc t; Qun l c hiu qu v pht trin bn vng. 14.1.2. Mc tiu chin lc c th: Chin lc Ti sn v Vn Tng quy m ti sn hng nm trung bnh 20-22%
Tng vn ch s hu bng li nhun li v pht hnh thm c phiu ph hp vi quy m ti sn v m bo h s an ton vn
a dng ha c cu s hu theo nguyn tc Nh nc s hu 51% tr ln, thu ht c ng chin lc c uy tn trong v ngoi nc theo k hoch ph duyt c th ca Ngn hng Nh nc v Chnh ph.
Chin lc Tn dng v u t Tn dng l hot ng kinh doanh ch lc, cnh tranh theo nguyn tc th trng. iu chnh c cu tn dng hp l, ph hp vi th mnh ca VietinBank Tng cng ri ro tn dng, bo m n xu chim di 3% a dng ha cc hot ng u t tn dng trn th trng ti chnh, gi vai tr nh hng trong th trng, nng cao hiu qu s dng vn v qun l thanh khon ca ngn hng. Chin lc dch v Pht trin a dng cc dch v ngn hng thu ph, xc nh nhm dch v mi nhn tp trung pht trin. Da trn nn tng cng ngh hin i pht trin dch v, ly mc tha mn nhu cu khch hng l nh hng pht trin. Chin lc ngun nhn lc Tiu chun ha ngun lc, tng cng o to nng cao nng lc trnh ca cn b. Hon thin c ch s dng lao ng v c ch tr lng Xy dng i ng cn b c nng lc v chuyn nghip
Chin lc cng ngh Coi ng dng cng ngh thng tin v yu t then cht, h tr mi hot ng pht trin kinh doanh Xy dng h thng cng ngh thng tin ng b, hin i, an ton, c tnh thng nht - tch hp - n nh cao. Chin lc b my t chc v iu hnh
111
iu hnh b my t chc vi c ch phn cp r rng, hp l Pht trin v thnh lp mi cc cng ty con theo nh hng cung cp y cc sn phm dch v ti chnh ra th trng.
M rng mng li kinh doanh, thnh lp mi chi nhnh, pht trin mnh mng li cc phng giao dch, ph sng ton b cc tnh thnh ph trong ton quc.
15.
Pht trin mnh h thng ngn hng bn l L trnh thc hin
Nm 2010 Thc hin vic tng Vn iu l ca VietinBank
Tm kim i tc chin lc nc ngoi ph hp v bn c phn cho nh u t nc ngoi. Trin khai D n Hin i ha giai on 2, u t mua sm gii php cng ngh cho 12 Module nghip v trn hu ht cc lnh vc qun tri ngn hng v pht trin sn phm mi. M vn phng i in, chi nhnh ti mt s nc.
Nm 2011 Hon thin t chc Tp on ti chnh Ngn hng thng mi c phn cng thng Vit Nam: hot ng theo m hnh Tp on Ti chnh ngn hng. IPO quc t v nim yt quc t vo thi im thch hp.
112
Hnh 28: M HNH TP ON TI CHNH NGN HNG CNG THNG VIT NAM
Ngun: VietinBank T nms2011 n 2015
113
Tip tc m rng phm vi v quy m hot ng thng qua vic pht trin mng li, thnh lp v lin kt thnh lp cc cng ty con kinh doanh trn lnh vc ti chnh tin t. Phn u tr thnh mt Tp on Ti chnh Ngn hng mnh trong khu vc vo nm 2015 15.1. K hoch li nhun v c tc ca VietinBank trong giai on 2010-2012 nh sau: K hoch li nhun v c tc ny c da trn nhng iu kin thc t v tnh hnh mi sau c phn ha Hnh 29: Vn iu l v li nhun sau thu ca VietinBank giai on 2010-2012
Vn iu l cui nm (t ng) 30,000 25,000 22,591 LN sau thu (t ng) 29,805
19,8 33
20,000 15,000 10,000 5,000 3,00 0 3,88 1
5,015
0 2010 2011 2012
Ngun: VietinBank
BN CO BCH
Bng 20: D kin k hoch li nhun v c tc VietinBank 2010-2012 n v: Triu ng

2010 Ch tiu Gi tr % tng (gim) so vi 2009 Gi tr 2011 % tng (gim) so vi 2010 Gi tr 2012 % tng (gim) so vi 2011
Vn iu l u nm Vn iu l cui nm (**) Vn iu l bnh qun Thu nhp trc d phng Chi ph d phng Li nhun trc thu Thu thu nhp doanh nghip (25%) Li nhun sau thu (triu ng) T l li nhun sau thu/Vn iu l bnh qun(%) T l c tc (%) Ghi ch: (**) Chi tit v k hoch tng vn:
12.252.973 19.833.000 16.042.987 5.523.000 -1.523.000 4.000.000 -944.000 3.056.000 19,05% 14
n.a 61,86% 30,93% 47,50% 52,30% 45,68% 45,60% 45,68% 15,47% 39,21%
19.833.000 22.590.564 19.996.952 7.197.000 -2.023.000 5.174.000 -1.294.000 3.880.000 19,40% 15
42,03% 29,81% 34,86% 35,80% 32,80% 37,02% 37% 37,01% 1,59% 0%
22.590.564 29.805.369 26.197.966 9.233.000 -2.547.000 6.686.000 -1.671.000 5.015.000 19,14% 15
29,81% 31,94% 31,01% 28,30% 25,90% 29,22% 29,10% 29,25% -1,34% 0%
(Ngun: Ngn hng thng mi c phn Cng thng Vit Nam)
115
NGN HNG THNG MI C PHN CNG THNG VIT NAM BCH
BN CO
Bng 21: D kin qu trnh tng vn giai on 2010-2012 n v tnh: Triu ng Khon mc Vn iu l u nm Tng t li nhun li v cc qu Pht hnh thm ra cng chng cho c ng trong nc v i tc chin lc Vn iu l n cui nm T l s hu nh nc T l s hu c ng khc T l s hu c ng chin lc nc ngoi Gi tr vn ca nh nc Gi tr vn ca c ng trong nc Gi tr vn ca c ng chin lc nc ngoi 2010 12.252.973 769.000 6.811.027 19.833.000 70,00% 20,00% 10,0% - 15,0% 13.883.100 2.766.600 1.983.300 (Ngun: VietinBank) Tng t li nhun li v cc qu: k hoch ny c xy dng cn c trn li nhun li sau khi tr c tc hng nm v dnh mt phn chi khen thng v phc li... Theo k hoch c i hi ng c ng thng nin nm 2010 thng qua, tng li nhun v cc qu li c th dng b sung vn iu l l 769 t ng trong nm 2009. Do vn iu l c b sung hng nm nn tc tng ca ngun ny d kin khong 40%/nm. Tng t vic pht hnh thm c phiu: vic pht hnh thm c phiu ra cng chng cho c ng trong nc v cho i tc chin lc nc ngoi theo l trnh n nm 2012, t l s hu ca nh nc s gim xung cn 51%, t l s hu ca c ng trong nc l 29% v t l s hu ca c ng chin lc nc ngoi l 20%. 2011 19.833.000 1.960.000 3.227.223 23.062.183 60,00% 25,00% 15,00% 13.837.309 5.765.545 3.459.327 2012 23.062.183 2.744.000 4.470.805 30.276.988 51,00% 29,00% 20,00% 15.441.264 8.780.327 6.055.398
116
BN CO BCH
Hnh 30: Vn iu l v c cu vn iu l VietinBank giai on 2010-2012

Vn iu l cui nm (t ng) Vn ca C trong nc khc Vn ca nh nc Vn ca C chin lc nc ngoi 5,961 60,000 3,389
50,000 1,74 0 0 30,000 20,000 10,000 0 12,25 3 2009 17,40 3 2010 1,32 0 10,933 3,48 1 12,182 22,59 1
8,644
40,000
5,64 8 13,554
15,201
29,805
2011
2012
Bng 22: Bo co thu nhp d kin giai on 2010-2012 Khon mc I II III Li v thu nhp t li Li v chi ph t li Li v thu nhp li rng (I+II) Ph, hoa hng v cc khon thu nhp ngoi li rng Cc khon thu nhp t hot ng khc IV Thu nhp ngoi li rng Chi ph lng v cc chi ph cho cn b khc Khu hao v cc chi ph hot ng khc V VI VII VIII Tng chi ph ngoi li Thu nhp hot ng trc d phng (III+IV+V) Chi ph d phng Thu nhp trc thu (VI+VII) 2010 27.618 (17.098) 10.520 1.716 921 2.877 (3.517) (2.341) (5.858) 5.323 (1.523) 4.000 (Ngun: VietinBank) 2011 31.577 (21.024) 10.553 2.264 950 3.214 (3.710) (2.860) (6.570) 7.197 (2.023) 5.174 2012 38.245 (25.226) 13.019 3.026 1.010 4.036 (4.322) (3.500) (7.822) 9.233 (2.547) 6.686
CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM A
117
15.2. Cn c t k hoch c tc, li nhun trn K hoch kinh doanh nm 2010 c HC thng nin nm 2010 thng qua, theo li nhun trc thu d kin l 4.000 t ng. VietinBank quyt tm s hon thnh v vt k hoch ny. Trong cc nm qua, VietinBank lun t mc tng trng c v quy m ngun vn cng nh cc ch tiu hot ng, c th: Ngun vn lun tng trng qua cc nm. Giai on 2007-2009 mc tng trng ngun vn bnh qun l 18,5%. Tc tng trng li nhun trc thu giai on 2007-2009 t khong 67%, tc tng trng li nhun sau thu t khong 63,15%. Cc ch tiu ti chnh cng ngy cng c ci thin, t l an ton vn Car tng t 5,18% nm 2006 ln 11,62% nm 2007 v t 12,02% nm 2008, nm 2009 l 8,06%. T l n xu duy tr mc thp, trung bnh 1,18% trong giai on 2006-2008. Nm 2009, t l n xu l 0.6%.
Vi tim nng ca ngnh ngn hng cn ln, VietinBank c nhiu c hi pht trin v nng cao cht lng phc v khch hng trong c mng dch v truyn thng v cc mng dch v mi. K hoch thc hin c HC thng nin nm 2010 thng qua vi cc ni dung chnh sau y: K hoch tn dng Vi ch trng c cu li danh mc tn dng theo hng an ton, song song vi vic ban hnh h thng chnh sch quy nh v cng tc tn dng, c bit l qun l ri ro tn dng, trong cc nm tr li y, tng trng bnh qun tn dng ca VietinBank mc 17-18%/ nm - mc thp hn bnh qun ton ngnh. Ch trng sang nm 2010, VietnBank tip tc xy dng v duy tr c cu tn dng ph hp vi nh hng ca NHNN v ngun lc ca VietinBank; tm kim v tip cn cc khch hng c tim lc ti chnh lnh mnh, cc d n kh thi, hiu qu cao, bo m kh nng tr n; tip tc y mnh hot ng tn dng trong cc lnh vc c nh nc khuyn khch nh cho vay thu mua, ch bin lng thc, nng sn, thy hi sn, p ng nhu cu vn cho xut khu; ch trng hn na mng cho vay tiu dng; cung cp cc dch v trn gi c tnh c th ph hp vi tng i tng khch hng. Mt s d n tn dng ln VietinBank k kt v k hoch gii ngn trong nm 2009 bao gm; Nh my Lc Du Dung qut, d n Boxit nhm Lm ng, d n in Nhit in Qung Ninh, nhit in Hi Phng, Thp Vit Tp H Ch Minh, d n cao c Bitexco Tp H Ch Minh...
u t vo giy t c gi Ch ng phn tch d bo din bin ca th trng ti chnh, tin t nm bt kp thi c hi; tp trung pht trin hot ng kinh doanh trn th trng lin ngn hng, th trng tri phiu, gi vng vai tr l mt trong nhng ngn hng to lp th trng v c nh hng trn th trng tin t, th trng tri phiu Vit Nam. a dng ha danh mc u t trn th trng vn v th trng tin t. Tng t l u t vo tri phiu chnh ph, tri phiu cng ty ln, c thanh khon v hiu qu cao. u t ti chnh Cc khon u t ti chnh bao gm hot ng u t gp vn vo cc Cng ty lin doanh, lin kt v u t di hn khc. Nhng hot ng ny nm trong chin lc pht trin Tp on VietinBank v trin khai theo kh nng ti chnh tng nm, ring nm 2009, VietinBank d kin tng 1.056 t ng bao gm gp vn b sung vo ngn hng Indovina (d kin 450 t ng); thnh lp lin doanh Bo him Nhn th (d kin vn tham gia 300 t ng); gp vn vo Cng ty lin doanh kinh doanh vng (100 r ng); gp vn vo Cng ty Gang thp Thi Nguyn (100 t ng) v mt s khon u t di hn khc. u t vo cng ty con n 31/12/2009, tng s vn gp u t vo cng ty lin doanh, lin kt v u t di hn khc l gn 1.464 t ng, tng 61,3% so vi nm 2008. Vn gp u t c tp trung vo mt s T chc tn dng v T chc kinh t uy tn v c hot ng sn xut kinh doanh hiu qu, m bo hiu qu u t ca VietinBank. K hoch pht trin mng l i Nm 2009, VietinBank c bit ch trng pht trin m rng mng li, khai trng hot ng 6 chi nhnh mi ti Cao Bng, Bc Kn, Lai Chu, in Bin, H Giang, Tuyn Quang thnh lp thm 204 phng giao dch nng tng s n v mng li ca VietinBank ln 150 chi nhnh, 1 S giao dch, 2 Vn phng i din, 793 Phng giao dch v Qu tit kim, 3 n v s nghip, 4 cng ty trc thuc v 1 ngn hng lin doanh. Tip tc chin lc m rng mng li bng vic thnh lp thm chi nhnh, phng giao dch, im giao dch ti cc a bn tim nng, ti cc khu th, thng mi, khu cng nghip mi; nng cao hiu qu hot ng ca cc Chi nhnh, Phng giao dch. Pht trin cc nghip v ngn hng quc t, pht trin ngn hng quc t, m rng hot ng kinh doanh ca NH TMCP CTVN ra th trng nc ngoi. Trong nm 2010, VietinBank s thc y nghin cu thnh lp vn phng i din/chi nhnh ti cc nc c quan h thng mi cht ch vi Vit Nam. D kin trong thi gian ti s thnh lp Vn phng i
din v nng cp ln Chi nhnh VietinBank ti Frankfurt v Berlin (c), xc tin thnh lp lin doanh ngn hng Hi gio vi 1 ngn hng ln ti vng Trung ng.
14.Thng tin v nhng cam kt nhng ch a thc hin ca t chc ng k nim yt

Khng c
15.Cc thng tin, cc tranh chp kin tng lin quan ti cng ty m c th nh hng n gi c c phiu nim yt
Khng c
V. C PHIU CHO BN
1. Loi chng khon C phiu ph thng 2. Mnh gi c phiu 10.000 (mi nghn) ng/1c phiu 3. Tng s c phn cho bn Tng s c phn cho bn: 392.000.000 c phn (Ba trm chn mi hai triu c phn) 4. i tng cho bn Cho bn cho c ng hin hu: nh u t c tn trong sanh sch c ng ca VietinBank ti ngy cht sanh sch c ng nhn c tc v quyn mua c phn pht hnh thm. 5. Gi cho bn - Pht hnh 76.900.000 c phn chi tr c tc cho c ng hin hu theo t l 6,83%. - Cho bn 315.100.000 c phn cho c ng hin hu theo t l 28% vi gi 10.000/c phn (bng mnh gi). 6. Ngun pht hnh c phiu tr c tc VietinBank s s dng 769 t ng t ngun li nhun sau thu nm 2009 v sau khi trch lp cc qu theo quy nh hin hnh chia c tc cho cc c ng hin hu. 7. Phng php tnh gi
Gi cho bn c xc nh cn c vo gi th trng nim yt ca c phiu, gi tr ni ti ca cng ty, s lng c phn cho bn v s lng vn cn huy ng, bo m li ch ca c ng, ph hp vi iu kin thc t ca th trng. Th tc thng qua gi cho bn thc hin theo quy nh hin hnh. 8. Phng thc phn phi Ngn hng TMCP Cng thng t thc hin phn phi c phiu. 9. Thi gian phn phi c phiu d kin Ngn hng s thc hin t cho bn trong vng 90 ngy k t ngy H s ng k cho bn c phn ra cng chng ca cng ty c y ban Chng khon Nh nc chp thun. D kin nh sau: Cng b bo ch: Trong thi gian 7 ngy k t ngy c UBCK NN cp Giy chng nhn ng k cho bn, Cng ty s cng b Bn thng bo pht hnh trn 1 t bo in t hoc bo vit trong 3 s lin tip. Trong thi hn 10 ngy lm vic k t ngy nhn c Giy chng nhn ng k cho bn do UBCKNN cp, VietinBank gi thng bo ngh ti Trung tm lu k Chng khon, SGDCK TP.HCM phi hp xc nh danh sch s hu chng khon cui cng, ngy giao dch khng hng quyn; lp v cung cp danh sch s hu cui cng. D kin thc hin xong trong 10 ngy lm vic. Phn b v thng bo quyn mua: Trong thi hn 05 ngy lm vic k t ngy nhn c danh sch s hu cui cng, t chc pht hnh s phi hp cng Trung tm lu k Chng khon phn b v thng bo quyn mua n cc thnh vin lu k v c ng cha lu k chng khon. Trn c s danh sch phn b quyn nhn c tc v mua c phn do Trung tm lu k Chng khon cung cp, cc thnh vin lu k t chc thc hin quyn v np tin mua c phiu mi pht hnh; i vi trng hp c ng cha lu k th s ng k v np tin ti t chc pht hnh. Thi gian ng k thc hin quyn v np tin mua c phn trong vng 20 ngy lm vic k t ngy nhn c danh sch phn b quyn.
o
Chuyn nhng quyn mua c phn: Quyn mua c phn c chuyn nhng trong vng 18 ngy lm vic k t ngy thng bo danh sch phn b quyn thng qua thnh vin lu k. Cc c ng cha lu k hoc vic chuyn nhng quyn mua sang cho cc c ng cha lu k c thc hin ti Cng ty c phn Chng khon Ngn hng Cng thng Vit Nam. Nu qu thi hn trn m c ng c quyn mua thm c phiu khng thc hin quyn mua ca mnh th s b mt quyn mua c phiu m khng nhn c s n b no ca Cng ty. X l s c phiu l di d: Trn c s tng hp quyn mua ca cc c ng hin hu, lp bo co trnh HQT HQT thc hin x l s c phn cn d. ng k mua c phiu
10.
i vi c ng lu k c phiu th c tc v quyn mua c phn (chuyn nhng quyn mua) c thc hin ti cc cng ty chng khon m c ng m ti khon. i vi c ng cha lu k c phiu th thc hin quyn mua c phiu (chuyn nhng quyn mua) v nhn c phiu tr c tc ti Cng ty C phn Chng khon Ngn hng Cng thng Vit Nam, s 306 B Triu, Hai B Trng, H Ni (c ng mang theo s chng nhn c ng). 11. Phng thc thc hin quyn C tc C ng s hu 100 c phn ti thi im cht danh sch s c chia c tc l 6,83 c phn. Tng s c phn c chia ca mi c ng s c lm trn xung n hng n v. Phn c phiu l s c chi tr bng tin mt trch t ngun li nhun sau thu cha phn phi. V d: C ng A ti ngy cht cui cng chi tr c tc s hu 100 c phn th c nhn c phiu thng nh sau: 100x6,83% = 6,83 c phn, lm trn n hng n v l 6 c phn v c tr bng tin mt 0,83 x 10.000 = 8.300 ng. Nh vy c ng A c quyn nhn c tc nm 2009 l 6 c phn v 8.300 ng. Quyn nhn c tc khng c chuyn nhng. C phiu chi tr c tc c t do chuyn nhng khi nim yt b sung trn sn giao dch chng khon. Cc c ng c c phiu trong tnh trng hn ch chuyn nhng vn c hng c tc bng c phiu. Cho bn C ng hin hu s hu 100 c phn ti thi im cht danh sch s nhn c quyn mua 28 c phn mi. Tng s c phn c quyn mua ca mi c ng s c lm trn xung n hng n v. V d: C ng A ti ngy cht cui cng cho bn c phn pht hnh thm s hu 151 c phn th c nhn 151x28% = 42,28 c phn mi, lm trn xung hng n v l 42 c phn. S tin m c ng phi np mua c phiu l 42x10.000 = 420.000 ng. Quyn mua c phiu c chuyn nhng ti a mt ln. X l c phiu l di d S c phiu l pht sinh t vic cho bn cho c ng hin hu v quyn mua c phn m c ng t chi thc hin s do HQT VietinBank quyt nh cho bn vi cc iu kin ph hp vi gi khng thp hn gi bn cho cc c ng hin hu.
12.
Gii hn v t l nm gi i vi ngi nc ngoi Cn c vo iu 4 Ngh nh ca Chnh ph s 69/2007/N-CP ngy 20/04/2007 v vic nh u t nc ngoi mua c phn ca ngn hng thng mi Vit Nam: Tng mc s hu c phn ca cc nh u t nc ngoi (bao gm c c ng nc ngoi hin hu) v ngi c lin quan ca cc nh u t nc ngoi khng vt qu 30% vn iu l ca mt ngn hng Vit Nam. Mc s hu c phn ca mt nh u t nc ngoi khng phi l t chc tn dng nc ngoi v ngi c lin quan ca nh u t nc ngoi khng vt qu 5% vn iu l ca mt ngn hng Vit Nam. Mc s hu c phn ca mt t chc tn dng nc ngoi v ngi c lin quan ca t chc tn dng nc ngoi khng vt qu 10% vn iu l ca mt ngn hng Vit Nam. Mc s hu c phn ca nh u t chin lc nc ngoi v ngi c lin quan ca nh u t chin lc nc ngoi khng vt qu 15% vn iu l ca mt ngn hng Vit Nam. Trng hp c bit, Th tng Chnh ph cn c ngh ca Ngn hng Nh nc Vit Nam, quyt nh mc s hu c phn ca mt nh u t chin lc nc ngoi v ngi c lin quan ca nh u t chin lc nc ngoi vt qu 15%, nhng khng c vt qu 20% vn iu l ca mt ngn hng Vit Nam.
Tnh n thi im ngy 13/5/2010, tng s lng c phn VietinBank do nh u t nc ngoi nm gi l 10.361.836 c phn, chim 0,92% vn iu l (Ngun: S Giao dch Chng khon Thnh ph H Ch Minh).
13. 13.1.
Cc loi thu c lin quan i vi hot ng u t chng khon
K t ngy 01/01/2009, cc t chc v c nhn phi np thu thu nhp t hot ng kinh doanh chng khon v c la chn 02 phng php tnh thu thu nhp nh sau: Cch 1: Thu thu nhp phi np = Thu nhp tnh thu x thu sut, Trong : Thu nhp tnh thu c xc nh bng gi bn chng khon tr (-) gi mua v cc chi ph lin quan n vic chuyn nhng. Vi chi ph lin quan n vic chuyn nhng chng khon l cc khon chi ph thc t pht sinh c chng t, ha n hp php, bao gm: ph nhn chuyn nhng v ph chuyn nhng chng khon, ph lu k chng khon, chi ph y thc chng khon v cc khon chi ph khc. Thu sut i vi thu nhp t chuyn nhng chng khon l 20% trn thu nhp tnh
thu c nm ch p dng i vi trng hp i tng np thu thc hin ng quy nh ca php lut v k ton, ha n, chng t, xc nh c thu nhp tnh thu v ng k thc hin n nh vi c quan thu t thng 12 ca nm trc. Cch 2: i vi cc trng hp khc ngoi trng hp trn, p dng thu sut 0,1% trn gi tr chuyn nhng chng khon tng ln. 13.2. i vi hot ng kinh doanh ca Ngn hng Bng 23: Chi tit thu TNDN thi im 31/12/2009
n v tnh: Triu ng
STT 1
Ch tiu Thu nhp chu thu TNDN ca H thng NHNN Chi ph Thu TNDN ca h thng NH theo thu sut 25% Chi ph Thu TNDN ca cng ty con
03/7 31/12/2009 1.662.681 415.670 22.794 438.464 0 435.319 (284.592) 589.191
2 3 4 5 6
Thu thu nhp trong nm ti chnh Thu thu nhp phi tr u k Nhn chuyn giao t doanh nghip trc c phn ha Thu TNDN tr trong k Thu TNDN phi tr cui k
(Ngun: Bo co ti chnh kim ton 31/12/2009 cho giai on t 03/7/2009 n 31/12/2009) 13.3. Cc loi thu khc Ngoi thu thu nhp doanh nghip, VietinBank phi thc hin np cc loi thu khc bao gm: Thu gi tr gia tng, thu xut nhp khu, thu nh t... 14. Cc hn ch lin quan n vic chuyn nhng Ton b s c phiu pht hnh t vic chia c tc v cho bn cho c ng hin hu c t do chuyn nhng khi nim yt b sung trn sn giao dch chng khon.
C phiu pht sinh t vic chia c tc v cho bn cho cc c ng c c phn hin ang b hn ch chuyn nhng, bao gm: C ng chin lc trong nc, c ng l T chc Cng on VietinBank, c ng ch cht (thnh vin Hi ng Qun tr, thnh vin Ban iu hnh, thnh vin Ban Kim sot, K ton trng) c t do chuyn nhng khi nim yt b sung trn sn giao dch chng khon. 15. Nim yt c phiu pht hnh v cho bn thm Ngn hng s thc hin nim yt ton b s c phiu pht hnh thm cho cc c ng ngoi Nh nc ti S Giao dch Chng khon Thnh ph H Ch Minh sau khi c y ban Chng khon Nh nc v S Giao dch Chng khon Thnh ph H Ch Minh chp thun. S lng c phiu pht hnh thm cho c ng Nh nc s khng c nim yt ti S Giao dch Chng khon Thnh ph H Ch Minh. 16. Ngn hng m ti khon phong ta nhn tin mua c phiu Tn ti khon: Ngn hng Thng mi C phn Cng thng Vit Nam S ti khon: 1200204000296 Ngn hng: S Giao dch Ngn hng Nng nghip v Pht trin Nng thn Vit Nam a ch: S 2 Lng H, Qun Ba nh, H Ni
VI. MC CH CHO BN
Cn c Phng n pht hnh trnh i hi ng c ng thng nin nm 2010 thng qua, mc ch cho bn gm: Vic tng vn iu l t 1 trong nm 2010 l c s VietinBank nng cao nng lc hot ng, h tr kh nng chng nhng bin ng ri ro, to iu kin thun li cho vic tng vn cc giai on tip theo, nng cao li ch cho c ng hin hu. ng thi, vic tng vn iu l ca VietinBank s h tr ngn hng thc hin thnh cng cc mc tiu chin lc kinh doanh trong nhng nm ti; gi vng tng trng cao c v quy m v hiu qu kinh doanh trong nhng nm va qua vi mc ch cui cng l mang li gi tr ngy cng cao cho phn vn gp ca mi c ng. Tng vn iu l gip VietinBank tip tc gi vng vai tr ch lc trn th trng ti chnh Vit Nam, gp phn thc y pht trin kinh t - x hi. Cn c vo k hoch tng v s dng vn iu l, VietinBank d kin mt s ch tiu k hoch chnh ca nm 2010 nh sau:
Bng 24: D kin mt s ch tiu k hoch nm 2010 Thc hin 2009 243.785 220.591 15.000 163.170 0,61% 3.373 13,67% 20,6% 1,39% 8,06% K hoch 2010 292.500 265.000 15.000 204.000 <2,5% 4.000 14% >18% >1,53% >10% 627 n/a n/a n/a n/a 18,6% n/a n/a n/a n/a n v: t ng Tng trng Tuyt Tng i i 48.715 44.409 0.00 40.830 20% 20% 0,0% 25%
STT 1 2 3 4 5 6 7 8 9 10
Ch tiu Tng Ti sn Tng ngun vn huy ng Tin gi v vay TCTD khc Tng d n T l n xu Li nhun trc thu T l chia c tc d kin T l ROE T l ROA T l an ton vn (CAR)
VII. K HOCH S DNG S TIN THU C T T CHO BN

Tng cng tn dng: d kin 1.834 t ng Thu xp vn tn dng u t vo cc doanh nghip c tim lc ti chnh tt, hot ng an ton, hiu qu, m bo kh nng tr n tt cho ngn hng: d kin khong 700 t ng H tr cc d n u t trung, di hn c tnh kh thi v hiu qu cao, ch u t c nng lc qun l v tnh hnh ti chnh n nh: d kin 1.234 t ng. M rng mng l i: d kin 262 t ng M rng quy m, mng li kinh doanh, ph khp cc a bn kinh t pht trin trn phm vi c nc; xc tin thnh lp vn phng i din, chi nhnh nc ngoi. M rng thm chi nhnh ti mt s tnh thnh trn phm vi c nc, trong u tin cc khu vc min ni pha Bc v Ty Nam b: d kin 130 t ng. Xc tin thnh lp vn phng i din, chi nhnh nc ngoi: Trong nm 2010 v u nm 2011, VietinBank trin khai vic thnh lp chi nhnh ti c, VietinBank d kin s s dng khong 132 t ng trong tng s vn iu l tng thm trong t tng vn ny vo k hoch m rng chi nhnh ngn hng ti Cng ha Lin bang c.
u t c s vt cht, cng ngh, pht trin dch v mi: d kin 524 t ng u t cc d n hin i ho, nng cao nng lc qun tr ngn hng; nng cp c s h tng k thut, cng ngh, tng cng pht trin cc sn phm dch v hin i, nng cao tin ch cho khch hng, nng cao t l thu nhp t dch v trong tng thu nhp. u t vo cc d n hin i ha, nng cao nng lc qun tr ngn hng: d kin khong 224 t ng. u t vo cng ngh, tng cng cc sn phm dch v hin i: d kin 300 t ng.
M rng hot ng u t , lin doanh, gp vn: d kin 1.300 t ng Tip tc m rng hot ng u t v kinh doanh Giy t c gi, u t trn th trng lin ngn hng; tip tc u t v m rng hot ng kinh doanh sang cc lnh vc c tim lc pht trin v hiu qu sinh li cao nh thnh lp Cng ty Bo him nhn th, Cng ty kinh doanh vng, Qun l qu, u t v khai thc ti sn, theo chin lc pht trin m hnh tp on hot ng a dng trong lnh vc ngn hng, ti chnh. Ngn hng d kin s s dng khong t 800 n 1.000 t ng u t vo vic thnh lp cc cng ty con nh Cng ty bo him nhn th, Cng ty Qun l Qu v Cng ty Kinh doanh vng. S vn iu l cn li s c VietinBank tip tc u t vo cc lnh vc kinh doanh trn th trng vn, trong u tin u t vo Giy t c gi v cho vay trn th trng lin ngn hng.
VIII. CC I TC LIN QUAN N T CHO BN

1. T CHC T VN: CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM Tr s chnh : 306 B Triu, Qun Hai B Trng, H Ni. in thoi : 04.39741865 Fax : 04.39745601
Chi nhnh : Lu 1 s 63 Phm Ngc Thch, Qun 3, Thnh ph H Ch Minh. in thoi : 08.39140200 Fax : 08.39140201
Chi nhnh H Ni: 65 Trn Duy Hng, Qun Cu Giy, H Ni. in thoi: 04.35562875 2. T CHC KIM TON: CNG TY TNHH ERNST YOUNG VIT NAM (E&Y) a ch: 360 Kim M, Ba nh, H Ni in thoi: 04. 38315100 Fax: 04. 38315090 Fax: 04.35562874
IX. PH LC
1. Ph lc I: Bn sao hp l Giy chng nhn ng k kinh doanh, Ngh quyt ca i hi ng c ng v vic pht hnh thm c phiu, Ngh quyt HQT thng qua h s pht hnh thm c phiu v cc giy t php l lin quan ca Cng ty 2. Ph lc II: Bn sao hp l iu l Cng ty 3. Ph lc VI: Bo co kim ton hp nht 2008 v 2009 4. Ph lc VII: Bo co ti chnh Qu II/2010 5. Ph lc VIII: S yu l lch cc thnh vin HQT, BTG, BKS. H Ni, ngy 15 thng 8 nm 2010 CH TCH HQT
Phm Huy Hng TNG GIM C K TON TRNG TRNG BAN KIM SOT
Phm Xun Lp
Nguyn Vn Chung
Trn Th L Nga

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Y BAN CHNG KHON NH NC CP CHNG NHN NG K CHO BN C PHIU CH C NGHA L VIC NG K CHO BN C PHIU THC HIN THEO CC QUY

Y NH CA PHP LUT LIN QUAN M KHNG HM M BO GI TR CA C PHIU. MI TUYN B TRI VI IU NY L BT HP PHP

NGN HNG TH NGMI C PHN CNG TH NGVIT NAM

CHO BN C PHIU RA CNG CHNG

NGN HNG THNG MI C PHN CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM (VIETINBANK)

CHO BN C PHIU RA CNG CHNG

Tng s lng cho bn :392.000.000 c phn trong :

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM 27

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

6. 7. 68 8. 73 9. 10. 11. 81 12. 13.

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

6. Ri ro t cc hot ng ngoi bng

NGN HNG THNG MI C PHN CNG THNG VIT NAM

Ngn hng, t vn cho cc n v v cc cn b trong ton h thng v cc vn c lin

NGN HNG THNG MI C PHN CNG THNG VIT NAM

Cng ty Lut c uy tn trong v ngoi nc cung cp cc dch v php l nhm h tr VietinBank.

8. Ri ro h thng cng ngh thng tin

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

10.Ri ro bin ng gi c phiu

11.Ri ro pha long c phiu

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

cn li s c a ra Hi ng Qun tr quyt nh nhng gi bn khng thp hn 10.000 ng/c phn.

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

NGN HNG THNG MI C PHN CNG THNG VIT NAM

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

III. CC KHI NIM

http://www.vietinbank.vn Nng gi tr cuc sng

Hnh 1: C cu vn iu l Vietinbank thi im 12/03/2010

Phm vi lnh vc hot ng ca Ngn hng bao gm:

2. Tm tt qu trnh hnh thnh v pht trin

3. C cu t chc v b my qun l ca Ngn hng

Hnh 2: H thng t chc

PHNG GIAO DCH

3.2. C cu b my qun l ca NHTMCP Cng thng Vit Nam

NGN HNG THNG MI C PHN CNG THNG VIT NAM

Hnh 3: C cu t chc chi tit

BAN KIM SOT

y ban gim st, qun l v x l ri ro

TNG GIM C Hi ng tn dng CC PH TG & K TON TR NG Hi ng nh ch

Cc cng ty con, cng ty lin kt

y ban nhn s, tin lng, thng

Ban kim tra, kim sot ni b

y ban chnh sch

Ban Thng tin truyn thng

P. Khch hng Doanh nghip

TT Cng ngh thng tin

Phng giao dch loi I

P. Khch hng DNV&N

P. Dch v Ngn hng in t