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BO CO THC TP TNG HP
c s gii thiu ca khoa Ti chnh - Ngn hng trng i hc Thng
Mi v s cho php ca Ban lnh o S giao dich Ngn hng TMCP Ngoi
Thng Vit Nam, em c c hi thc tp v hc hi kinh nghim ti SGD Ngn
hng TMCP Vietcombank. Sau mt thi gian thc tp, nghin cu, tm hiu v
quan st ti SGD, di s gip , ch bo tn tnh ca cc anh ch, cn b cng
nhn vin, cng vi s hng dn ca PGS.TS.GVC Nguyn Th Phng Lin, em
c ci nhn hon thin hn v qu trnh hnh thnh, pht trin, tnh hnh hot
ng kinh doanh ca SGD. Nh c nhng kin thc, thng tin, kinh nghim hc hi
v tch ly c, em hon thnh bn bo co thc tp tng hp ny. Bo co
thc tp tng hp ca em gm 3 phn chnh nh sau:
Phn 1: Gii thiu khi qut v S giao dch - Ngn hng TMCP Ngoi
Thng Vit Nam.
Phn 2: Tnh hnh ti chnh v mt s kt qu hot ng ca SGD-VCB giai
on 2009 2011.
Phn 3: Nhng vn t ra cn gii quyt.
Phn 4: xut hng ti kha lun.
Do thi gian thc tp cha nhiu, kin thc v kinh nghim ca bn thn
cha chuyn su, nn bi bo co khng trnh khi nhng hn ch v ni dung v
trnh by. Em rt mong nhn c s nh gi v kin phn hi ca c bi bo
co ca em hon thin hn.
Em xin chn thnh cm n!
Gim c
SGD
1.5. B my lnh o:
Ban Gim c:
Gim c S giao dch Vietcombank B Nguyn Th M Ho.
Chc nng: Quyt nh v kim sot cc hot ng ca cc phng ban v cc
phng giao dch trc thuc S giao dch NH Vietcombank.
Ph Gim c SGD Vietcombank B Phm Th Mai.
Chc nng: Qun l nhn s v gim st cc hot ng k thut.
Ph Gim c SGD Vietcombank ng Nguyn Hng.
Chc nng: Qun l v gim st cc hot ng tn dng v u t.
Ph Gim c SGD Vietcombank B Nguyn Th Bch Thy.
Chc nng: Qun l v gim st cc hot ng kinh doanh ngoi t v thanh ton
xut nhp khu.
Ph Gim c SGD Vietcombank B Phm Th Hng Giang.
Chc nng: Qun l v gim st hot ng cc dch v ca SGD v cc PGD.
i ng qun l cc phng ban:
- Trng phng Tin hc ng Trng Tng Anh.
Chc nng: Qun l, gim st hot ng v kh nng x l ca my mc thit b.
- Trng phng qun l nhn s - B Lng Kim Hng.
Chc nng: Qun l cng tc t chc cn b cng nhn vin, cng tc gio dc o
to, an ton lao ng, BHXH v cc ch , chnh sch ca ngn hng.
- Trng phng Hnh chnh qun tr - ng Nguyn Danh Phng.
Chc nng:. Theo di v tng hp mi mt hot ng ca SGD ngn hng VCB
bao gm: chng trnh, k hoch cng tc; t chc nhn s, k ton ti chnh
- Trng phng K ton ti chnh ng Ng Minh Hong.
Chc nng: Qun l tnh hnh ti chnh k ton ca SGD, ch o cc cn b k
ton thc hin ng mi quy nh v ti chnh ca NHNN v VCB.
Ch tiu
I.
TI SN
31/12/2009
31/12/2010
31/12/2011
942,840
1,099,959
1,018,906
Tin gi ti NHTW
5,350,468
7,316,045
6,205,092
10,970,492
11,775,510
11,656,235
2,300
2,686
4,503
10,723
10,252
D n cho vay
5,963,620
8,121,640
9,866,340
Chng khon u t
4,859,256
8,930,557
2,380,082
Gp vn, u t di hn
195,188
200,681
215,501
Ti sn c nh
474,272
213,941
300,337
10
Bt ng sn u t
10,400,420
12,147,400
15,121,650
11
Ti sn c khc
2,422,791
448,912
586,017
41,581,647
50,268,054
47,364,915
316,253
421,750
186,340
Tng ti sn
II.
N PHI TR V VN
CH S HU
Cc khon n chnh ph v
NHNN
27,843,330
29,058,990
23,955,680
11,481,110
16,951,950
18,772,960
209,251
244,280
103,934
Vn ti tr y thc u t, cho
vay TCTD chu ri ro
360,272
183,908
396,046
2,042,589
1,641,463
Cc khon n khc
261,889
171,689
1,159,951
40,472,105
49,075,156
46,216,374
1,109,542
1,192,898
1,148,541
41,581,647
50,268,054
47,364,915
Tng n phi tr
9
Vn ch s hu
Tng n phi tr v vn CSH
STT
Nm 2009
Nm 2010
Nm 2011
404.20
688,23
1.081,38
423.58
169,42
45,07
169.39
201,62
218,90
Thu li tin gi ti TW
2,663.97
2.942,44
3.911,93
Thu khc
27.14
55,45
26,76
3,688.29
4.057,15
5.284,04
2,466.83
2.913,33
3.446,50
4.70
3,40
4,87
Chi thu ti sn
236.22
83,80
90,94
Chi vn phng
87.48
8,49
9,36
Chi ph qun l
30.42
23,80
19,49
74.44
148,00
102,82
Chi d phng
107.27
57,19
439,26
34.94
48,79
185,75
Chi tr li vay TW
2.22
0,15
136,17
3,044.52
3.286,96
4.435,15
643.78
770,20
848,89
Tng chi
Kt qu kinh doanh
10
11
Ch tiu
1
2
3
4
Thu khc
1
2
3
4
5
6
7
8
9
Nm
2010
Nm
2009
+/- so vi nm trc
404.20
187.35
Tuyt
i
284.02
-17.93
Tng
i (%)
70.27
-9.57
201.62
169.39
2,942.44 2,663.97
32.23
278.47
19.03
10.45
27.14
28.30
104.27
4,057.15 3,452.06
2,913.33 2,466.83
3.40
4.70
83.80
87.48
8.49
8.99
23.80
21.43
605.10
446.50
-1.30
-3.67
-0.50
2.37
17.53
18.10
-27.74
-4.20
-5.55
11.06
74.44
107.27
34.94
2.22
73.56
-50.07
13.85
-2.07
98.82
-46.68
39.65
-93.38
3,286.96 2,808.29
770.20
643.77
478.66
126.43
17.04
19.64
688.23
169.42
55.45
148.00
57.19
48.79
0.15
12
Tng doanh thu ca SGD trong nm 2010 tng 605,1 t VND (17,53%) so vi
nm 2009 do hu ht cc ch tiu thu nhp u tng: thu li cho vay tng 70,27% do
d n tn dng trong nm 2010 ti SGD tng mnh v li sut cho vay trong nm
2010 cao hn no 2009, thu dch v ngn hng tng 19,03% do thu t nghip c bo
lnh v thanh ton th tng. Tuy nhin, thu t kinh doanh ngoi t trong nm 2010
gim 9,57% do t thng 12/2010, cc nghip v ti phng Vay n vin tr SGD
chuyn ln phng Vn Tn dng quc t Hi s chnh.
STT
Ch tiu
Nm
2011
Nm
2010
+/- So vi nm
trc
Tuyt
i
Tng
i (%)
1.081,38
688,23
393,15
57,13
45,07
169,42
-124,35
-73,40
218,90
201,62
17,28
8,57
Thu li tin gi ti TW
3.911,93
2.942,44
969,49
32,95
Thu khc
26,76
55,45
-28,69
-51,74
5.284,04
4.057,15
1.226,89
30,24
3.446,50
2.913,33
533,17
18,30
4,87
3,40
1,47
43,39
Chi thu ti sn
90,94
83,80
7,13
8,51
13
Chi vn phng
9,36
8,49
0,86
10,14
Chi ph qun l
19,49
23,80
-4,30
-18,08
102,82
148,00
-45,19
-30,53
Chi d phng
439,26
57,19
382,07
668,03
185,75
48,79
136,96
280,69
Chi tr li vay TW
136,17
0,15
136,03
92.534,6
9
Tng chi
4.435,15
3.286,96
1.148,20
34,93
848,89
770,20
78,69
10,22
Kt qu kinh doanh
Thu li cho vay v thu t tin gi HSC tng nhiu so vi nm trc do doanh
14
trong huy ng bng VN tng 5.717,06 t VND (25,1%) v ngoi t quy USD
tng 2,93 tr. USD (0,32%) so vi cui nm 2009. Tuy nhin tng huy ng vn t
khch hng quy VN n 31/12/2011 ch t 42.728,64 t ng gim 3.373,26
(7,89%) so vi 31/12/2010 trong huy ng bng VN tng 2,79% v ngoi t
quy USD gim 11,51% so vi cui nm 2010. S d vic gim s d vn huy ng
ca nm 2011 so vi cng k bi: tnh hnh gi c lin tc tng trong nm 2011 nn
ngi dn c tm l e ngi khi gi tin tit kim. Thm vo cc ngn hng trn
cng a bn H Ni lun c cc chnh sch thu ht vn khng mang tnh cnh
tranh cng bng. Ngoi ra, trn a bn H Ni cn c cc t st v vng v USD
nn ngi dn rt tin tit kim chuyn sang cc knh u t ny.
n v: t
ng
Tng ngun
vn huy ng
b. V hot ng tn dng :
n cui nm 2010, d n cho vay nn kinh t quy VND ca SGD t
8.121,64 t ng, tng 2.158,02 t VND (36,19%) so vi cui nm 2009, trong :
d n VN t 4.393,34 t VND tng 1.186,82 t VND (37,01%) v d n ngoi
t quy USD t 196,92 tr.USD tng 43,25 tr. USD (28,14%). S d n xu ca
SGD n 31/12/2010 l 538,26 t VND tng 0,74 t VND so vi nm trc v t l
n xu l 6,63% (trong d n ca cng ty CP Container Quc t CAS l 482,18
t VND).
Cui nm 2011, d n tn dng quy VND ti SGD t 9.866,34 t ng, tng
1.748,67 t VND (21,54%) so vi 31/12/2010 trong d n VN v ngoi t quy
USD c t 5.150,9 t ng v 226,56 tr.USD. Trong nm 2011, SGD lun thc
15
Nm 2009
1.DS mua
- USD
1,790.65
Doanh
s
1,792.27
So vi 2009
(%)
0.09
Nm 2011
Doanh s
835,06
So vi 2010
(%)
-53,41
16
29.53
101,70
-50,95
61,911.56
207.32
62,977.97
1.72
909,87
-98,56
- USD
1,789.79
1,791.35
0.09
834,29
-53,43
- EUR
160.11
207.29
62,977.06
29.47
101,73
-50,92
1.72
908,45
-98,56
- EUR
- JPY
160.05
2. DS bn
- JPY
61,912.69
Thanh ton XNK:
Trong khi doanh s thanh ton XNK nm 2010 tng 743,91 triu USD
(15,75%) so vi nm 2009 th vi tnh hnh XNK nm 2011 c nhiu bin ng
phc tp v kh khn hn so vi nm 2010, nn doanh s thanh ton XNK nm
2011 gim khong 893 triu USD tng ng vi gim 23,31% so vi nm 2010.
Doanh s thanh ton XNK ca SGD VCB
n v: tr. USD
1,561.75
Nm 2010
Doanh s So vi 2009
(%)
1,964.51
20.5%
Nm 2011
Doanh s So vi 2010
(%)
1,493.11
- 31,57%
DS NK
2,417.56
2,758.71
12.36%
2,337.11
- 18.04%
DS XNK
3,979.31
4,723.22
15.75%
3,830.22
- 23.31%
Doanh s
Nm 2009
DS XK
17
18
Trc nhng bin ng phc tp ca tnh hnh xut khu trong v ngoi
dch v thanh ton XNK ca mnh ph hp vi s cnh tranh trong ngnh ngn
hng v nhng kh khn lu di ca nn kinh t.
4. xut hng ti kha lun:
4.1. Hng 1: Hot ng cho vay doanh nghip va v nh ti S giao dch Ngn
hng TMCP Ngoi Thng Vit Nam.
4.2. Hng 2: Hot ng huy ng vn ti S giao dch - Ngn hng TMCP Ngoi
thng Vit Nam.
4.3. Hng 3: Hot ng thanh ton xut nhp khu ti S giao dch Ngn hng
TMCP Ngoi thng Vit Nam.
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