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V hiu qu kinh doanh, n 31/12/2011, t sut li nhun trc thu trn vn ch s hu bnh qun (ROEtt) ca ACB t 36%, trong khi t sut li nhun trc thu trn tng ti sn bnh qun (ROAtt) gi nguyn mc 1,7%. t c kt qu ny c th k n mt nguyn nhn l hiu qu hot ng ca cc chi nhnh v phng giao dch (CN&PGD) ca ACB ngy cng cao. S d huy ng v d n cho vay bnh qun trn mi nhn vin CN&PGD tng ln lt 11% v 28% so cng k 2010. Nm 2011, thi gian trung bnh cc CN&PGD mi thnh lp trong vng 24 thng c li nhun dng n nh l khong 11 thng, rut ngn 3 thng so cng k nm trc. Bng 2: Kh nng sinh li ca Tp on (%) Ch tiu (hp nht) LN trc thu/Vn CSH bnh qun (ROEtt) LN trc thu/ TTS bnh qun (ROAtt) 2011 36% 1,7% 2010 28,9% 1,7% 2009 31,8% 2,1% 2008 36,7% 2,6% 2007 53,8% 3,3%
V qun l ri ro, nm 2011 ACB tip tc c nhiu bc tin trong vic hon thin h thng qun l, gim st ri ro chuyn su. y ban Qun l ri ro trc thuc Hi ng qun tr c thnh lp vi chc nng p ng yu cu lut nh cng nh p dng thng l tt nht v chun mc quc t v qun l ri ro. Khun kh h thng qun l ri ro mi ACB v l trnh trin khai thc hin cng c xc nh. Kt qu mt s ch tiu c th v an ton hot ng ca ACB tnh n thi im 31/12/2011 nh sau: t l an ton vn ring l t 9,24%, t l an ton vn hp nht t 9,25% v u cao hn so vi quy nh 9% ca Ngn hng Nh nc Vit Nam (NHNN). T l kh nng chi tr (tng ti sn c thanh ton ngay trn tng n phi tr) ti ngy bo co l 18,47%, cao hn 3,47% so vi hn mc 15% do NHNN quy nh. Bng 3: T l kh nng chi tr ngy bo co theo quy nh NHNN thi im 31/12/2011 Ch tiu T l kh nng chi tr ngy bo co Quy i VND v vng 18,47% 16,15% EUR 76,16% GBP USD Ngoi t khc quy USD 137,75%
132,64% 30,59%
im sng tip theo trong ton cnh hot ng ca ACB nm 2011 l ri ro tn dng c kim sot tt trc thc trng cht lng tn dng ton ngnh ngn hng i xung. Trong nm 2011, ACB tp trung nhiu ngun lc cho cng tc phn tch nguyn nhn v cnh bo nguy c pht sinh n qu hn ca h thng ng thi thc thi rt quyt lit cng tc c thuc, x l thu hi n. Kt qu n cui nm 2011, t l n nhm 3 n nhm 5 ca ACB l 0,89%, ch bng xp x 1/4 so vi ngnh (khong 3,4%).
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V c tc, trong nm 2011 ACB thc hin tm ng t 2 c tc nm 2010 bng tin mt vi t l 7%/mnh gi (01 c phiu c nhn 700 ng) trong thng 5. Sau vo thng 1/2012, ACB tip tc tm ng c tc nm 2011 t 1 bng tin mt vi t l 20%/mnh gi (01 c phiu c nhn 2.000 ng). Thng hiu ACB nm 2011 cng tip tc c khng nh khi ACB vinh d c bu chn l Ngn hng tt nht Vit Nam bi bn tp ch uy tn Global Finance, Euromoney, Asiamoney v World Finance. ACB cn c Nguyt san ti chnh Alpha Southeast Asia (Alpha SEA) trao gii thng v Quan h vi nh u t uc t chc tt nht v Kin tr trong thc hnh qun tr cng ty. V cc hot ng cng c h thng cng ngh thng tin (CNTT), trong nm 2011, ngoi vic xy dng k hoch tng th CNTT cho giai on 2011-2015 do Cng ty Kim ton PricewaterhouseCoopers t vn, ACB c bn hon thnh mt s d n u t CNTT phc v nhu cu ca cc b phn nghip v nh d n trang b phn mm qun tr quan h khch hng (CRM), Trung tm D liu ti Cng vin Phn mm Quang Trung, d n xc thc vn tay, v.v. Mt s d n khc ang trong giai on hon thin, th nghim nh d n trang b phn mm cho hot ng ngn qu, d n MIS. D n nng cp h thng ngn hng li (core banking) cng ang c xuc tin nhm p ng cho nhu cu pht trin ca ACB giai on sp ti. Nm qua, ACB cng thc hin ung tin cc tiu d n chin lc v kinh doanh thuc hai khi l Khi Khch hng c nhn v Khi Khch hng doanh nghip ; v nm 2012 s chuyn sang trin khai thc hin trn ton h thng.
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