BO CO THNG NIN

An ton

& Bn vng

Ni dung

4 5 8 10 11 14 18 22

Gii thiu chung Thng ip ca Ch tch Hi ng Qun tr Hi ng Qun tr Ban Kim sot Ban Tng Gim c Qun tr Ngn hng trong thi k khng hong Bo co ca Ban Kim sot Hot ng kinh doanh ca Sacombank nm 2008 trong bi cnh kinh t th gii v trong nc nhiu bin ng

Lng nghe khch hng - D n kho st mc hi lng ca khch hng Nhng cam kt i vi cng ng v x hi 10 s kin tiu biu Cc bng khen v gii thng tiu biu K hoch kinh doanh nm 2009 S t chc Tp on Ti chnh Sacombank Ch tiu ti chnh ni bt Bo co ti chnh hp nht Bo co ti chnh ring ca Sacombank Hot ng quan h nh u t Mng li hot ng Ngn hng i l

34 38 40 42 44 46 47 49 52 104 108 112 120

28 Hot ng qun l ri ro 30 Ci tin c ch, i mi chnh sch - Pht huy hiu qu

h thng kim tra kim sot v kim ton ni b

32 Nhn s v o to - u t cho tng lai

3
BO CO THNG NIN 2008

GII THIu CHuNG

Tn giao dch: NGN HNG THNG MI C PHN SI GN THNG TN (SACOMBANK) a ch: S 266 - 268 Nam K Khi Ngha, Phng 8, Qun 3, Thnh ph H Ch Minh in thoi - Fax: (84 8) 39 320 420 - (84 8) 39 320 424 Trang Web: www.sacombank.com.vn i tc chin lc nc ngoi: Cng ty Ti chnh Quc t (IFC) Tp on Ti chnh Dragon Financial Holdings (Anh Quc) Ngn hng ANZ Mng li hot ng: 250 Chi nhnh v Phng Giao dch ti 45/63 tnh thnh 1 Vn phng i din Nam Ninh ti Trung Quc 1 Chi nhnh ti Lo Hi ng Qun tr: ng ng Vn Thnh
Ch tch

Ban Kim sot: ng Nguyn Tn Thnh

Trng ban Thnh vin Thnh vin

Thng tin nim yt: M c phiu: STB Ngy nim yt: Tng s c ng: Tng s c phn: 12/7/2006 60.520 511.583.084 Vn iu l (VND): 5.115.830.840.000

ng L Vn Tng ng Don B Tng Ban Tng Gim c: ng Trn Xun Huy

Tng Gim c

B phn Quan h Nh u t Phng i ngoi a ch: Lu 5, S 266 - 268 Nam K Khi Ngha, Phng 8, Qun 3, Thnh ph H Ch Minh in thoi - Fax: (84 8) 39 320 420 - (84 8) 39 320 646 S ni b: 1620, 1621, 1623 Thng tin khc: Giy php kinh doanh: S 059002 cp ngy 13/01/1992 Giy php thnh lp: S 05/GP-uB cp ngy 03/4/1992 M s thu: 0301 103 908-1

ng H Xun Nghim

Ph Tng Gim c th nht

Tin s John Hing Vong

Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c

B Nguyn Th Thanh Mai ng Nguyn Vn Thnh ng Lu Hunh ng Hong Khnh Sinh ng o Nguyn V ng Bi Vn Dng ng T Thanh Hong ng Nguyn Minh Tm Cng ty kim ton: Cng ty TNHH PricewaterhouseCoopers (Vit Nam) a ch: Lu 4, Saigon Tower, S 29 L Dun, Qun 1, Thnh ph H Ch Minh in thoi - Fax: (84 8) 38 230 796 - (84 8) 38 251 947 Trang Web: www.pwc.com

B Hunh Qu H
Ph Ch tch th nht Ph Ch tch y vin y vin y vin y vin y vin y vin

ng Nguyn Chu ng Dominic Scriven B Nguyn Th Mai Thanh ng ng Hng Anh ng Colin Mansbridge ng Hunh Ph Kit ng Phm Duy Cng

4
BO CO THNG NIN 2008

THNG IP CA CH TCH HI NG QuN TR

...Sacombank ch ng
xy dng k hoch 2009 vi nhp tng trng v hiu qu hot ng va tm khng to p lc ph v cc thit ch v qun l ri ro, cc mc tiu v qun l danh mc ti sn v c cu ti chnh trung v di hn dy cng xy dng cng chnh t trong cn khng hong va ri...

5
BO CO THNG NIN 2008

THNG IP CA CH TCH HI NG QuN TR

TRONG NHNG NM 2009 - 2010, SACOMBANK CH TRNG TIP TC GI VNG QuAN IM: AN TON L MC TIu u TIN HNG u, NG THI COI TRNG MC TIu HIu Qu, N NH V TNG TRNG BN VNG. THeO , MC TIu C TH C TH C Iu CHNH NHNG MC TIu TNG QuT VA Nu NHT NH S KHNG THAy I, CHO D TNH HNH TI y C NHIu GAM Mu SNG HN HIN NAy.

Vi c trng nhy cm ca mt ngn hng thng mi (NHTM) trong tnh trng lm pht cao ca nn kinh t nc ta, li chu s tc ng nhiu mt ca cuc khng hong ti chnh ton cu, trn c s xc nh AN TON l mc tiu u tin hng u nn t Qu II/2008, Sacombank ch ng iu chnh gim phn ln cc mc tiu tng trng, trong c ch tiu li nhun. Mc ch ca vic iu chnh ny l nhm thch ng vi qu trnh thc thi chnh sch tin t tht cht, gp phn kim ch lm pht; qua c iu kin th hin cao nht trch nhim x hi i vi khch hng v i vi cng ng. Mt khc, Sacombank cn xem y nh l c hi tp trung khc phc cc yu km v iu chnh nhng bt cp ca mt NHTM trong nn kinh t ang chuyn i v mi hi nhp, ng hu sm thch ng vi xu th ton cu ha ang lan ta cc nhanh nh hin nay. Hiu qu kinh doanh v nhp tng trng nm 2008 ca Sacombank do c bc chng li, thm ch c phn gim st so vi nm trc. Mc du vy, Sacombank vn rt hi lng v xem nhng thch thc va qua nh l c hi th thch kh nng thch ng, o lng tnh hiu qu v nng cao dn nng lc qun l s thay i. Hng lot cc cuc hi tho, ta m v hng trm kin gi v t qun chng Cn b nhn vin (CBNV) th hin kh su sc nhng chuyn bin v mt

6
BO CO THNG NIN 2008

THNG IP CA CH TCH HI NG QuN TR

nhn thc v nhng t duy mi v phng php hnh ng ca i b phn qun chng CBNV trn phm vi ton h thng. Tin trnh cng c - chn chnh - kin ton v i mi mi mt t chc, hot ng ca Ngn hng hng v mc tiu an ton - hiu qu - bn vng, thng qua vic thc hin ng b cc ni dung ti cu trc - nng cao trnh phn tch d bo - i mi c ch iu hnh k hoch - b sung i ng chuyn vin u ngnh v o to nng cao k nng ca lc lng bn hng chuyn nghip c y nhanh v y mnh di s ch o tp trung ca Thng trc Hi ng Qun tr (HQT) v s iu hnh xuyn sut ca Tng Gim c Ngn hng. Trong , vic cu trc li danh mc ti sn, c cu ti chnh; vic hon thin c ch qun tr, chnh sch iu hnh; vic y nhanh tin trnh hin i ha cng ngh ngn hng; vic b sung i ng chuyn vin u ngnh v o to lc lng bn hng chuyn nghip; vic tng cng nng lc kim tra kim sot ni b v nng cao kh nng qun l ri ro c t ln hng u. Nh , mi mt hot ng ca Ngn hng i dn vo th n nh, Sacombank li c thm iu kin pht huy cao hn na cc li th vn c sau khi chnh thc cng b hnh thnh Tp on Ti chnh Sacombank. Lng tham v tnh mo him, c tha hip bi lun im cho th trng t iu chnh, bt ngun t vic cho vay nh di chun y nn kinh t ln nht th gii ri vo tnh trng trm nm mi c mt ln. Bt u t khng hong ti chnh dn n khng hong nim tin, khin hng lot cc nh ch ti chnh v l bi hc kinh nghim ln tm v m m Sacombank suy nghim v vn dng vo qu trnh t iu chnh bn thn. B quy tc o c ngh nghip v Chnh sch khuyn khch CBNV t kim tra - t chn chnh c ban hnh p dng v thc thi. y chnh l hai trong s hng lot cc c ch - chnh sch - gii php - bin php cng c, chn chnh, kin ton v i mi c xy dng hon thin trong bi cnh du si la bng va qua nhm to nn tng cho qu trnh pht trin bn vng lu di ca Sacombank. D bo tnh hnh kinh t th gii nm 2009 s vn tip tc kh khn, thm ch c mt s cn kh khn hn nm trc. Trong khi , tnh hnh lm pht v th trng tin t - tn dng nc ta tuy c nhng chuyn bin kh tch cc vo cui nm 2008 nhng du hiu ca s nh tr sn xut, gim st xut khu, chm gii ngn vn u t nc ngoi bc l dn, chc chn s c nh hng nht nh n tng trng kinh t ca nc ta trong nm 2009. Xut pht t nhn nh va nu v vi trch nhim x hi ca mt NHTM, ngay t u Qu IV/2008, Sacombank ch ng iu chnh li sut huy ng v cho vay, ng thi tp trung y mnh dch v kinh doanh tin t v pht trin m rng cc dch v ngn hng khc nhm chun b ngun thu cho nm ti. Mt khc, Sacombank cng ch ng xy dng k hoch 2009 vi nhp tng trng v hiu qu hot ng va tm khng to p lc ph v cc thit ch v qun l ri ro, cc mc tiu v qun l danh mc ti sn v c cu ti chnh trung v di hn dy cng xy dng cng chnh t trong cn khng hong va ri. Pht huy cc li th vn c, th hin cao nht tnh cng khai minh bch, trung thnh vi s mnh xy dng Sacombank tr thnh Ngn hng bn l a nng, hin i v bm st cc gi tr ct li t ra; ng thi mc kch nhng bin ng kh lng t cuc khng hong ti chnh ton cu va qua v suy ngm tc hi nng n bi tnh trng tng trng nng ca nn kinh t nc ta trong nm 2007. Trong nhng nm 2009 - 2010, Sacombank ch trng tip tc gi vng quan im: AN TON l mc tiu u tin hng u, ng thi coi trng mc tiu HIu Qu, N NH v TNG TRNG BN VNG. Theo , mc tiu c th c th c iu chnh nhng mc tiu tng qut va nu nht nh s khng thay i, cho d tnh hnh ti y c th c rt nhiu gam mu sng hn hin nay. Ch tch HQT

ng Vn Thnh

7
BO CO THNG NIN 2008

HI NG QUN TR

ng ng Vn Thnh
Ch tch HQT

B Hunh Qu H

Ph Ch tch th nht HQT

ng Nguyn Chu
Ph Ch tch HQT

Kim Ch tch Tp on Ti chnh (TTC) Sacombank, Ch tch y ban K hoch v Chin lc TTC Sacombank, Ch tch HQT Cng ty Chng khon Ngn hng Si Gn Thng Tn (Sacombank-SBS), sinh nm 1960. ng l mt trong nhng thnh vin u tin c cng sng lp v lnh o Sacombank t c nhng thnh tu nh ngy nay. Vi tt c nim am m sng to trong lnh vc ti chnh ngn hng, ng cng nhng cng s ca mnh xy dng Sacombank t mc vn iu l ban u 03 t ng tr thnh mt trong nhng ngn hng thng mi c phn hng u Vit Nam. ng nhn c danh hiu Gio s danh d do Trng i hc Southern California - M trao tng v nhng ng gp i vi cng ng, i vi Sacombank v s nghip gio dc ti Vit Nam; danh hiu Doanh nhn Vit Nam tiu biu nm 2008 do Ch tch nc trao tng v nhng ng gp i vi s pht trin ca i ng doanh nhn Vit Nam.

Kim Ph Ch tch TTC Sacombank, Ch tch y ban Nhn s v Ngn sch TTC Sacombank, Ph Ch tch HQT Cng ty c phn Qun l qu u t Vit Nam (VFM), sinh nm 1969, l ngi c s trng c bit trong lnh vc kinh doanh v thng mi. B tt nghip cc kha o to chuyn su v xut nhp khu, thng mi, chng khon cng nh cc chng trnh nghip v ngn hng hin i. Ngoi ra, B l Thc s Qun tr kinh doanh ca trng i hc Pacific Western - M.

Kim Tng th k Hi ng Ch tch TTC Sacombank, sinh nm 1935. ng l mt trong nhng c ng sng lp Sacombank, bt u cng tc ti Sacombank vi cng v l mt kim sot vin v c nhiu ng gp cho s pht trin an ton, bn vng ca Ngn hng. ng tng l ging vin chuyn ngnh k ton, thng mi v cng nghip, Ch nhim Hp tc x C kh ng Tm v l i biu ca Hi ng nhn dn Thnh ph H Ch Minh kha II v III.

8
BO CO THNG NIN 2008

HI NG QuN TR

ng Dominic Timothy Charles Scriven

Thnh vin HQT

ng Colin Simon Mansbridge

Thnh vin HQT

Sinh nm 1963, l mt nh qun tr kinh doanh thnh cng vi hn 22 nm hot ng trong lnh vc ti chnh - ngn hng v nm gi nhiu v tr ch cht cc ngn hng, cng ty ti Vit Nam. Vi nhng ng gp cho khu vc dch v ti chnh ca Anh ti Vit Nam, ng vinh d c N hong Anh trao tng Hun chng danh d OBe - Hun chng tuyn dng cng trng vi nc Anh vo nm 2006.

Sinh nm 1962, quc tch New Zealand. ng tng cng tc ti Trng Cao ng St Kevins, Trng i hc Otago trng i hc lu i v danh ting nht New Zealand, Ngn hng New Zealand, Ngn hng Countrywide (Ngn hng quc gia ca New Zealand), Tp on Australia v New Zealand (ANZ)... Hin ng l i din ca Tp on ANZ ti Sacombank - mt trong ba c ng chin lc nc ngoi ca Ngn hng.

B Nguyn Th Mai Thanh

Thnh vin HQT

ng Hunh Ph Kit
Thnh vin HQT

Sinh nm 1952, tt nghip k s nhit lnh ti Cng ha dn ch c. B tng l i biu Quc hi kha VIII, l mt trong nhng ngi c cng sng lp, iu hnh Cng ty c phn in my Ree v gi chc v Ch tch HQT kim Tng Gim c Cng ty ny t nm 1993 n nay.

Kim Thnh vin Hi ng Ch tch TTC Sacombank, Ch tch y ban Hp tc TTC Sacombank, Ch tch HQT Cng ty c phn u t - Kin trc - Xy dng Ton Thnh Pht, sinh nm 1972. ng tt nghip i hc Kin trc TP HCM v t nhiu danh hiu Doanh nhn Si Gn tiu biu nm 2006, 2007 v 2008, Doanh nhn tr xut sc TP HCM nm 2006 v 2008.

ng ng Hng Anh
Thnh vin HQT

ng Phm Duy Cng

Thnh vin HQT

Kim Thnh vin Hi ng Ch tch TTC Sacombank, Thnh vin y ban Hp tc TTC Sacombank, Ch tch HQT Cng ty c phn a c Si Gn Thng Tn (Sacomreal), sinh nm 1980. ng nhn c nhiu danh hiu Cng dn tr tiu biu TP HCM nm 2007 do Thnh on TP HCM trao tng, Doanh nhn Si Gn tiu biu nm 2007 v 2008 do Hip hi Doanh nghip TP HCM trao tng, Doanh nhn tr xut sc TP HCM nm 2008 do Hi Doanh nhn tr TP HCM trao tng.

Kim Thnh vin Hi ng Ch tch TTC Sacombank, sinh nm 1954. ng c 19 nm cng tc ti S thu, S ti chnh v cc T chc tn dng. Gn b vi Sacombank t nm 1991 n nay, ng khng nh c nng lc lnh o qua vai tr Ph Tng Gim c trc khi tr thnh thnh vin HQT Sacombank.

9
BO CO THNG NIN 2008

BAN KIM SOT

ng Nguyn Tn Thnh
Trng Ban Kim sot
Kim Thnh vin Hi ng Ch tch TTC Sacombank, thnh vin HQT VFM, sinh nm 1952. ng c nhiu nm cng tc ti Tng nha thu v Si Gn v S Ti chnh TP HCM. T khi cn l Ph Ch nhim Hp tc x Tn dng L Gia cho n nay, ng l c ng sng lp c nhng ng gp ng k cho s pht trin ca Ngn hng.

ng L Vn Tng

Thnh vin Ban Kim sot

Kim Thnh vin y ban iu hnh TTC Sacombank, sinh nm 1953, c bit n l mt Cn b iu hnh gii ca Sacombank. ng c nhiu kinh nghim trong qun tr ti cc t chc kinh t, tn dng v c 11 nm m nhn v tr l Ph Tng Gim c Sacombank. Hin nay, ng cn l y vin HQT ca Cng ty c phn Du lch Bn Tre v Cng ty c phn Du lch An Giang.

ng Don B Tng

Thnh vin Ban Kim sot

Sinh nm 1960, l ngi c thi gian gn b lu di v trng thnh ngay ti Sacombank. T mt nhn vin ti Hp tc x Tn dng Thnh Cng, ng lun phn u vn ti nh cao trong s nghip v tr thnh mt thnh vin tch cc ca Ban Kim sot Sacombank.

10
BO CO THNG NIN 2008

BAN TNG GIM C

ng Trn Xun Huy

Tng Gim c
Kim Ch tch y ban iu hnh TTC Sacombank, thnh vin y ban Nhn s v Ngn sch TTC Sacombank, sinh nm 1972. ng tt nghip cc trng i hc S phm TP HCM v Hc vin Ngn hng; ng thi hon thnh cc kha hc v Gio dc cao cp (kha hc nng cao dnh cho ging vin i hc v phng php ging dy), Gim c iu hnh (CeO)... ng cng tc ti Sacombank t thng 5/2000 v c nhiu cng hin cho s nghip pht trin ca Sacombank trong vai tr c vn v xy dng nhng chin lc kinh t, ti chnh v u t pht trin... Trong vai tr l Tng Gim c iu hnh Sacombank t thng 7/2007 n nay, ng to ra nhiu bc tin b mi trong hot ng ca Ngn hng.

ng H Xun Nghim
Ph Tng Gim c th nht
Kim Thnh vin y ban K hoch v Chin lc TTC Sacombank, Ch tch Cng ty Qun l n v khai thc ti sn Ngn hng Si Gn Thng Tn (Sacombank-SBA), sinh nm 1956. ng c 17 nm kinh nghim trong lnh vc ti chnh ngn hng. ng tng gi nhiu v tr ch cht ti cc Chi nhnh Sacombank t nhng ngy u mi thnh lp. Ngoi ra, ng gp phn em n thnh cng cho Sacombank trong vic qun l ngun ti chnh, qun l ngun nhn lc... ng m nhim chc v Ph Tng Gim c t nm 2003 n nay v tip tc gp phn dn dt i ng Cn b nhn vin Sacombank ngy cng trng thnh v chuyn nghip. Nm 2008, ng vinh d c nhn danh hiu Ti nng Sacombank tiu biu.

ng T Thanh Hong
Ph Tng Gim c ph trch Tin t
Kim Thnh vin Hi ng Ch tch TTC Sacombank, Ch tch y ban Kim ton v Qun l ri ro TTC Sacombank, Ch tch Cng ty Kiu hi Ngn hng Si Gn Thng Tn (Sacombank-SBR) v Ch tch Cng ty Vng bc qu Ngn hng Si Gn Thng Tn (Sacombank-SBJ), sinh nm 1968. ng bt u cng tc ti Sacombank t nm 1992. ng nhiu nm t danh hiu Chin s thi ua ti Sacombank cho nhng thnh tch i vi s nghip pht trin ca Ngn hng.

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BO CO THNG NIN 2008

B Nguyn Th Thanh Mai

Ph Tng Gim c kim Gim c khu vc H Ni
Sinh nm 1960, l ngi c nhiu ng gp cho s nghip pht trin thng hiu cng nh hot ng kinh doanh ca Sacombank ti H Ni ni ring v khu vc min Bc ni chung t nhng ngy u Sacombank c mt ti y. B tt nghip C nhn kinh t v qun tr kinh doanh. Nm 2008, B vinh d c nhn danh hiu Ti nng Sacombank tiu biu.

ng Hong Khnh Sinh

Ph Tng Gim c kim Gim c khu vc Min Ty
Sinh nm 1963, l ngi c nhiu nm kinh nghim trong cc lnh vc tn dng, tin t, kinh doanh v thanh tra ngn hng. Vi s c mt ng lc v gn b vi nhng bc i ca Sacombank trong sut 14 nm qua, ng gp phn lm nn din mo mt Sacombank a nng.

ng Nguyn Vn Thnh
Ph Tng Gim c kim Gim c khu vc Min Trung
Sinh nm 1964, ng bt u cng tc ti Sacombank t nm 1992 v m nhn nhiu v tr khc nhau ti cc Chi nhnh, Phng, Ban ca Hi s cho n khi m nhn v tr Ph Tng Gim c. Trong sut thi gian cng tc ti Sacombank, ng t danh hiu Chin s thi ua trong nhiu nm lin.

ng Lu Hunh
Ph Tng Gim c kim Gim c khu vc Min ng Nam B & Ty Nguyn
Sinh nm 1971, ng cng tc ti Sacombank t nm 1992. Trong sut 16 nm gn b vi Sacombank, ng tng m nhn nhng v tr quan trng ti cc Chi nhnh, Phng, Ban ca Hi S v nhiu ln t cc danh hiu thi ua xut sc, Chin s thi ua...

12
BO CO THNG NIN 2008

BAN TNG GIM C

10

11

ng o Nguyn V
Ph Tng Gim c kim Gim c khu vc TP HCM
Sinh nm 1967, bt u cng tc ti Sacombank t nm 1992. ng c nhiu ng gp tch cc cho hot ng ca Sacombank v c Ban Lnh o Ngn hng nh gi cao qua cc danh hiu thi ua khen thng C nhn xut sc v Chin s thi ua nhiu nm lin.

ng Bi Vn Dng
Ph Tng Gim c ph trch Cng ngh thng tin
Sinh nm 1966, l C nhn kinh t trng i hc Kinh t TP HCM. ng c hn 20 nm kinh nghim trong lnh vc cng ngh thng tin ngnh ngn hng vi nhng v tr quan trng ti cc Ngn hng Cng Thng, Indovina, Calyon, BNP Paribas... S gp mt ca ng trong i ng Ban Lnh o Sacombank ang gp phn to nn mt din mo mi cho hot ng cng ngh thng tin ca Ngn hng.

10

Tin s John Hing Vong

Ph Tng Gim c ph trch Chi nhnh - Vn phng i din ti nc ngoi v Trung tm o to
Sinh nm 1953, quc tch c. ng tng l chuyn vin cao cp ca Cng ty Ti chnh Quc t (IFC) (trc thuc Ngn hng Th gii). ng tng m nhim chc v Gim c Chi nhnh v Gim c h thng ti chnh ti Tp on HSBC Hng Kng, c v Malaysia trong sut 15 nm. ng cng c nhiu nm kinh nghim lm c vn ti Ngn hng Standard Chartered, Ngn hng Westpac - c, Ngn hng ANZ - c v B Ti chnh ca cc nc ng Nam .

11

ng Nguyn Minh Tm
Ph Tng Gim c ph trch Kinh doanh
Sinh nm 1972, ng l Thc s kinh t, bt u cng tc ti Sacombank t nm 1995 v m nhn nhiu v tr quan trng ti Hi s v Chi nhnh. ng t danh hiu Chin s thi ua trong nhiu nm lin cho nhng thnh tch trong qu trnh xy dng v pht trin Sacombank.

13
BO CO THNG NIN 2008

QuN TR NGN HNG TRONG THI K KHNG HONG

THeO LuT DOANH NGHIP (DN), HI NG QuN TR (HQT) L C QuAN QuN L V TNG GIM C/GIM C L NGI Iu HNH HOT NG HNG NGy CA MT CNG Ty C PHN, TRONG C NGN HNG THNG MI (NHTM) C PHN. TuN TH Quy NH VA Nu, THM CH VN DNG NHNG KIN THC TIP CN C TRONG Qu TRNH THAM GIA Xy DNG D THO LuT TIu TH CNG NGHIP VIT NAM (TIN THN CA LuT DN SAu Ny), Quy CH T CHC HOT NG CA HQT SACOMBANK C BAN HNH P DNG T u NM 1996 XC NH CHC NNG QuN TR NGN HNG CA HQT BAO GM BN NHIM V CH yu L HOCH NH - T CHC - LNH O V KIM TRA.

Trn thc t, i b phn cc thnh vin HQT Sacombank thng l ch cc DN ln nn khng thi gian tham gia qun l Ngn hng theo ch thng trc. Do , quy ch t chc hot ng HQT cng thit ch ra b phn Thng trc HQT (TT HQT) bao gm Ch tch, Ph Ch tch v mt hoc hai y vin HQT lm vic theo ch thng trc, l b phn tham mu cho Ch tch HQT trc khi xem xt, quyt nh mi vn thuc thm quyn ca HQT gia hai k hp HQT, ng thi c trch nhim bo co li cho HQT trong phin hp gn nht. Cc thnh vin HQT lm vic theo ch thng trc cn c Ch tch HQT phn cng ph trch v tham gia cc Hi ng v y ban chuyn trch (trc thuc HQT) v cc vn thuc chc nng qun tr Ngn hng. Nh xc nh rch ri chc nng nhim v v xy dng c m thc hot ng ph hp nh va nu nn HQT Sacombank trong nhiu nm qua thc hin thu sut chc nng QuN L NGN HNG theo ng quy nh ca php lut v iu l Sacombank; ng thi lun l ch da vng chc ca Tng Gim c cng b my iu hnh Ngn hng. Cng chnh nh vy m HQT khng nhng kim sot c mi mt t chc hot ng ca Sacombank m cn c iu kin tp trung ch o xuyn sut qu trnh trin khai thc hin thng li chin lc pht trin trung v di hn ca Sacombank trong thi gian qua.

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BO CO THNG NIN 2008

QuN TR NGN HNG TRONG THI K KHNG HONG

thoi v tr thnh ng lc thi thc chng ti tp trung nghin cu xy dng, ban hnh p dng B Quy tc o c ngh nghip nhm iu chnh mi hnh vi trong quan h vi khch hng v vi cng ng Nhn vin Sacombank trong khun kh o l kinh doanh ca Ngn hng (trn thc t cc quy nh ca php lut cng cc quy nh ni Mc du vy, khi i mt vi nhng tc ng bi cuc khng hong ti chnh ton cu v thc thi nghim ngt chnh sch tin t tht cht gp phn kim ch lm pht trong nhng thng u nm 2008, Sacombank khng lm sao trnh khi trng thi lng tng ban u trc nhng ri ro kh lng bi cc bin ng ln v th trng (li sut - t gi - thanh khon), tn dng (n qu hn), thm ch c th c c ri ro v hot ng. Th nhng, nh nhng kinh nghim c c qua hai cuc khng hong ti chnh trong nc (1989 - 1990) v khu vc (1997 - 1998), sm vt ra khi nhng lng tng ban u, TT HQT Sacombank kp thi ch ng cng vi Ban Kim sot v Ban iu hnh nh gi li thc trng cng kh nng ng ph ca Sacombank vi tnh hnh mi. T , chng ti nhn din c cc mt bt cp, d bo c nhng ri ro tim n v thng nht iu chnh li quan im pht trin. Theo , chng ti chn AN TON lm mc tiu u tin hng u, ra sc cng c, chn chnh, kin ton ng ph vi nhng thch thc mi, ng thi tp trung nng cao v CHT nhm m bo tnh pht trin bn vng lu di, thay v tp trung pht trin v LNG nh tng hm h theo phng chm ui kp v vt trong nhng nm trc . Qua phn tch nh gi tnh hnh v kt qu hot ng 2008, Ban Chn chnh, Ban Ngn chn v x l n qu hn c thnh lp, c k hoch hnh ng tc thi v hiu qu; y ban Qun l ti sn n - c (ALCO) hp hng ngy iu tit vn v m bo thanh khon; Ban Ti cu trc c to iu kin y nhanh tin trnh ti cu trc ng b c bn lnh vc: T chc - th ch - c cu - hot ng; quy ch kim tra kim sot v kim ton ni b c nghin cu ci tin v nng cp thnh chnh sch, trong coi trng vai tr trch nhim t kim tra, t chn chnh ca tng Nhn vin, tng Chi nhnh, tng Cng ty trc thuc; v th v tc dng ca cng tc qun l ri ro cng c nng tm trn mi lnh vc hot ng ca Ngn hng. iu khin chng ti ng nht trong chin dch chn chnh ny l chng ti sm nhn bit: Chnh lng tham v tnh mo him, c c xy bi lun im cho th trng t iu chnh y nn kinh t ln nht th gii n b vc ca s suy trn c s ch o xy dng v trin khai thc hin k hoch 2009, tuy HQT vui v chp nhn mc li nhun khim tn m Sacombank t c trong nm 2008 (trong bi cnh phi thc thi chnh sch tin t tht cht gp phn kim ch lm pht v phi tp trung cng c - chn chnh - kin ton ng u vi nhng tc ng ngy mt su rng ca khng hong ti chnh dn n suy thoi kinh t ton cu) nhng tn y lng mnh, TT HQT v Ban iu hnh chng ti vn khng ngt bn khon trn tr. Bn khon v kh nng kt hp nhun nhuyn gia hai nhim v hng u l CNG C & PHT TRIN v gia hai mc tiu chin lc l AN TON & HIu Qu hy cn kh hn ch; trong khi trn tr v thc trng THM DNG VN (1) v THM DNG LAO NG (2) trong thi gian qua chm c nhn ra v chm c k hoch khc phc, iu chnh. Chnh nh xc nh v sm th ch ha c trch nhim ca c quan qun tr Ngn hng, lun bm st bn nhim v ch yu thuc chc nng qun tr thng qua vai tr ca cc y ban chuyn trch, khng khon trng cho Tng Gim c iu hnh, TT HQT chng ti cng vi Ban Kim sot v Ban iu hnh tp trung ch o nn kp thi ng ph vi cc thch thc, bin ng, sm n nh tnh hnh, ng thi tin hnh ng b cng tc cng c - chn chnh - kin ton, trong c vic thng nht ng dng cc chun mc o c ca mi thnh vin trong h thng Sacombank, to nn mng vng chc cho giai on pht trin tip theo. b ca Sacombank khng th no c th iu chnh ht). T , trn 6.000 Nhn vin Sacombank u c chng ti ph bin qun trit, t gic k giy cam kt thc thi v mi ngi u thng nht xem y nh l nhng chun mc o c trong vn ha giao tip, ng x mang tnh truyn thng tt p ca Sacombank, rt cn phi c mi thnh vin trong i gia nh Sacombank chm cht, nhc nh, gn gi v pht huy.

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Xut pht t ni bn khon v nim trn tr nh va nu, t gia nm 2008, TT HQT chng ti cng vi Ban iu hnh thng qua cng tc ti cu trc, tin hnh lp v thc hin n i mi cng tc xy dng v iu hnh k hoch hng nm nhm khc phc nhng iu khin chng ti bn khon nh va nu. ng thi, trong Hi ngh tng kt nm 2008, TT HQT chng ti giao Ban iu hnh trch nhim thnh lp hai Nhm nghin cu xy dng n v trin khai thc hin ngay t gia Qu I/2009 trong phm vi hai nm 2009 - 2010 c th khc phc c tnh trng thm dng lao ng v thm dng vn nhm nng cao nng sut lao ng v hiu qu s dng vn, to tin cho bc pht trin an ton - hiu qu - bn vng trong giai on 10 nm tip theo (2011 - 2020). Trn thc t th Ban nh bin xc tin xy dng bin ch chun cho tng loi Nhn vin t gia nm 2008 n nay v Nhm C cu thuc Ban Ti cu trc cng ang xc tin r sot xy dng li danh mc ti sn, trong c danh mc u t v c cu ti chnh hp l cho Ngn hng. y chnh l tin t c th tin hnh xy dng v thc hin c hiu qu cc n va nu. Mc du vy, y qu l nhng vn ln, i hi mi cp, mi ngi phi i mi phng php t duy v hnh ng, phi xy dng c s l lun mang tnh thuyt phc ca n t t chc qun trit n ht thy mi ngi v phi trin khai thc hin vi quyt tm cao nht. Nh vy, chnh khng hong ti chnh v suy thoi kinh t ton cu cho chng ta c hi nhn bit r hn v mnh, bi nhng yu km v bt cp c iu kin bc l dn v bi yu cu thch ng buc chng ta phi i mi phng php t duy v hnh ng. Chng ti rt phn khch khi trc tip tham gia v chng kin nhng chuyn bin mnh m, su sc v ng b mi cp, mi ngi v cc s mnh trng i m Ban iu hnh nhn lnh v ang thc thi vi hiu lc v hiu qu r rt c nh gi tng tun, tng thng. Cng vi nhng chuyn bin ng phn khch va nu, TT HQT chng ti cng nhn thy cc Khi Kinh doanh ang phi hp vi Trung tm o to tp trung xy dng, o to, tp hun i ng bn hng chuyn nghip; cc i d n core banking - contact center - data center ang ngy m phn u c th kt thc s mnh c giao vo Qu IV/2009; v cc Chi nhnh - Cng ty, cc Phng Kinh doanh vn - Kinh doanh ngoi hi v Trung tm Th cng ang chy ua vi thi gian c th hon thnh k hoch kinh doanh c giao hng tun, hng thng v tng qu ngay trong Qu I/2009.

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BO CO THNG NIN 2008

QuN TR NGN HNG TRONG THI K KHNG HONG

Trong khi , h thng kim tra kim sot v kim ton ni b di s ch o st sao ca Ban Kim sot cng ra qun thc hin k hoch kim tra kim sot v kim ton ni b hng v mc tiu kim sot ri ro, m bo c h thng Sacombank hot ng an ton v hiu qu. Nhn chung, hot ng ng b v khi sc ca b my iu hnh cc cp v ca cc Ban Chuyn trch ngay trong hai thng u nm 2009 th hin r rt hiu lc v hiu qu ca vic i mi phng php t duy v hnh ng theo tinh thn Thng ip ca HQT cng nh quyt tm cao ca Ban iu hnh, xut pht t ni bn khon v nim trn tr v nhng im bt cp chm nhn bit v chm c khc phc. Tuy vy, khc phc nhng bt cp vn d l nhng yu km ni ti ph bin ca cc DN Vit Nam trong mt nn kinh t ang chuyn i v cng ang hi nhp, trong bi cnh khng hong kinh t ton cu hin nay khng th mt sm mt chiu. Theo thin ca chng ti, nhn bit v ang tp trung khc phc mt cch c phng php l iu ng mng. K vng kt thc cc mc tiu pht trin trong giai on 2001 - 2010, Sacombank cng s c bn xy dng c mt nn mng h tng vng chc v ng b cho s pht trin bn vng v c hiu qu n nh trong giai on 10 nm tip theo. Chng ti hon ton t tin nh vy v Sacombank tng suy ngh v hnh ng thnh cng nh vy trong 17 nm qua.

(1) Thm dng vn: Trong mt nghin cu ca Tin s L Hi M, Vin ph Vin Khoa hc ti chnh, B Ti chnh thng k, phn tch v nhn t tng trng GDP ca Vit Nam va qua, trong : Vn: 57,5% Lao ng: 20% Yu t khc: 22,5%

V tin s s dng ngn t thm dng ng vn (Trang 51, Thi bo kinh t Si Gn s 948 ngy 12/02/2009). (2) Thm dng lao ng: Trong bi s 4 ca nhm Gio s Harvard vit cho Chnh ph Vit Nam ( trang u) u c s dng hai cm t thm dng lao ng v thm dng vn.

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BO CO THNG NIN 2008

BO CO CA BAN KIM SOT

NM 2008 C XeM L NM BN L CA K HOCH NM NM (2006-2010) NG THI L NM NHIu KH KHN TRONG HOT NG CA NGNH NGN HNG NI CHuNG V CA SACOMBANK NI RING DO TNH HNH LM PHT CAO TRONG NC V NH HNG CA CuC KHNG HONG TI CHNH TON Cu. TRONG BI CNH , SACOMBANK N LC M BO HOT NG AN TON, N NH NHM THC HIN CC CH TIu DO I HI NG C NG NM 2007 THNG QuA. MC D KHNG T C MT S CH TIu NHT NH NHNG NM QuA NH Du S PHT TRIN V TRNG THNH CA SACOMBANK TRONG THI K y KH KHN V THCH THC, NG THI L NN TNG VNG CHC NGN HNG TIP TC THC HIN K HOCH NM NM.

Hot ng kinh doanh nm 2008 Trong nm 2008, Ban iu hnh t chc trin khai thc hin k hoch kinh doanh, ti chnh ca Ngn hng theo Ngh quyt ca i hi ng c ng thng nin nm 2007 vi nhng ch tiu tng trng cao. Thc hin cc Quyt nh ca Ngn hng Nh nc (NHNN) v ci tin, i mi c ch hot ng theo chun mc v thng l quc t, sn sng cho s hi nhp v xu th cnh tranh ngy cng su sc. Vi tinh thn quyt tm cao ca Hi ng Qun tr (HQT), Ban Kim sot (BKS), Ban iu hnh (BH), Ngn hng t chc, trin khai cc nhim v mt cch ch ng, tch cc vi mc tiu an ton l trn ht. Tnh hnh lm pht trong nc cng nh nhng bin ng ca th trng ti chnh th gii tc ng mnh n nn kinh t Vit Nam, v vy trc nhng quyt sch ca Nh nc nhm n nh tnh hnh kinh t v m, Sacombank kp thi a ra nhng gii php c th n nh tnh hnh hot ng:

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BO CO THNG NIN 2008

BO CO CA BAN KIM SOT

1. i mi phng chm hot ng t hot ng Hiu qu v An ton sang hot ng An ton v Hiu qu, trong an ton trong hot ng l trn ht, tng bc pht trin n nh trn ton h thng, m bo chp hnh tt nhng quy nh ca ngnh v php lut; 2. Trong nm qua, Ngn hng tip tc thc hin ti cu trc v t chc v hot ng theo dng sn phm, vi phng chm ngy cng cung ng nhiu sn phm v dch v vi nhiu tin ch, p ng c nhu cu ngy cng a dng ca mi h khch hng, vng min a phng, ph hp vi xu th pht trin, tng bc tng t trng thu dch v trong tng thu ca Ngn hng; 3. Tip tc duy tr s kt hp thng xuyn nhim v cng c vi pht trin, bo m mi mt hot ng trong hnh lang php l, thc hin nghim tc cc qui nh ca php lut, qui nh ca ngnh v cc qui ch qun l ni b ca Ngn hng. Khng ch xy dng h thng cc chnh sch, quy ch, quy trnh ni b y , r rng to c s vng chc trong vic thc hin v kim tra, gim st; trong nm qua, Ngn hng cng rt quan tm n cng tc kim sot v qun l ri ro i vi mi mt hot ng, thit lp cc c ch kim sot r rng i vi mi nghip v, nng tm v thc hin hiu qu cng tc cnh bo ri ro; t lun ch ng trong vic kim sot v i ph vi mi ri ro trong hot ng; 4. c bit, trong nm 2008, Ngn hng d bo v ch ng t chc trin khai vic kinh doanh tin t cng nh tng cng kh nng hot ng ca cc Cng ty trc thuc nh Cng ty Qun l n v khai thc ti sn (Sacombank-SBA), Cng ty Cho thu ti chnh (Sacombank-SBL). Vic thnh lp Cng ty Vng bc qu (Sacombank-SBJ) vo cui nm 2008 cng gp phn a dng ha v chuyn nghip ha cc hot ng ca Ngn hng, to tin pht trin cho nhng nm k tip; 5. V cc ch tiu cht lng nh t l an ton vn, s dng ti sn c nh, t l n qu hn, t l cho vay trung di hn trn vn ngn hn, Sacombank cng m bo hot ng tt theo quy nh ca NHNN. Ring ch tiu gp vn mua c phn theo quy nh mi ca NHNN cn phi iu chnh m bo ng t l theo quy nh; 6. Trong nm 2008, Ngn hng tp trung cho nhim v hot ng an ton trong h thng, c bit tit gim chi ph nht l chi ph iu hnh, tng cng nng sut lao ng, thanh l nhng ti sn khng cn dng, gp phn cho hot ng Ngn hng thm hiu qu; 7. Mt trong nhng vn ng ghi nhn l cng tc iu hnh thanh khon v cng tc qun l v ngn chn n qu hn c kim sot mt cch cht ch, m bo hot ng thng sut. N qu hn lun trong tm kim sot do t u nm, Ngn hng thnh lp Ban X l v ngn chn n qu hn nhm theo di v x l kp thi mi khon n c du hiu ri ro. T l n qu hn cui nm ch mc 1% trn tng d n. Sacombank cng trch lp Qu d phng ri ro y theo quyt nh 493/QD-NHNN v cc quy nh khc ca ngnh; 8. V hot ng kim ton v kim tra, kim sot ni b: B phn Kim ton ni b v Phng Kim tra kim sot ni b kp

thi h tr c lc cho Ban Kim sot trong vn thc thi nhim v kim tra tnh hnh hot ng v kt qu kinh doanh ca cc Chi nhnh, Cng ty trc thuc ton h thng theo nh k cng nh kim tra t xut. Qua , gp phn nng cao cht lng hot ng, xut x l kp thi nhng sai phm v xy dng hon thin quy ch, quy trnh kim tra theo nh hng qun l ri ro, hng n cc hot ng nghip v cn c nh gi v cnh bo trong tng thi k. Cng tc kim ton ni b thc s pht huy c hiu qu, hng hot ng i st vi chun mc v thng l quc t. c bit trong nm 2008, ngoi vic iu chnh, b sung nhng quy ch, quy trnh hin hnh nng cao cng tc qun tr, iu hnh; Ngn hng cng ban hnh Chnh sch kim tra, kim sot ni b v B Quy tc o c ngh nghip. Bo co ti chnh nm 2008 S liu phn nh trn cc bo co ti chnh nm 2008 c th hin y , kp thi, r rng, chnh xc, trung thc v hp l; c thng qua bi y ban Kim ton ca Sacombank v c kim ton c lp bi Cng ty Kim ton PricewaterhouseCoopers. Nhng s liu ch yu trn Bo co kt qu hot ng kinh doanh nm 2008 ca Ngn hng n ngy 31/12/2008: Tng thu nhp: Tng chi ph: Li nhun trc thu: 8.377 t ng 7.286 t ng 1.091 t ng

Bo co ti chnh hp nht nm 2008 ca Sacombank v cc Cng ty trc thuc c tng li nhun trc thu l 1.110 t ng. Kin ngh ca Ban Kim sot HQT v BH quan tm ch o cc hot ng (1) Kim sot ri ro ph hp vi tc pht trin v mng li hot ng ca Ngn hng, c bit l ri ro trong vic vn chuyn tin v ti sn qu, dch v ngn hng in t, cng nh ri ro v vn nhn s (2) Tng cng cng tc pht trin cc dch v Ngn hng nhm tng t l thu dch v trong tng thu; (3) Pht huy ngy cng cao hiu qu ca cng tc kim ton ni b v kim tra kim sot ni b gp phn tch cc trong vic kim sot ri ro; a ra cc kin ngh kp thi, cht lng, gp phn cng c mi hot ng ca Ngn hng; hng ti vic p ng tt cc nhim v chin lc ra l cng c v pht trin v m bo mi hot ng ri ro ca Ngn hng lun nm trong tm kim sot. Hot ng cng ngh thng tin cn phi c tp trung v pht huy hn na trong nm 2009 p ng kp thi mi hot ng ca Ngn hng bao gm h thng mng li ton quc, Chi nhnh nc ngoi v cc Cng ty trc thuc trn c s hot ng an ton v hiu qu. Vi qui m pht trin v mng li hot ng ngy cng tng, Ngn hng cn tng cng nng lc ti chnh thng qua vic tng vn iu l, vn hot ng v tng cng vn vay ti cc nh ch ti chnh trong nc v nc ngoi hot ng Ngn hng ngy cng pht trin n nh v hiu qu.

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BO CO THNG NIN 2008

KHI NGuN

cHUyN NGHIp

t nn tng

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BO CO THNG NIN 2008

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BO CO THNG NIN 2008

HOT NG KINH DOANH CA SACOMBANK NM 2008 TRONG BI CNH KINH T TH GII V TRONG NC NHIu BIN NG

TRONG Iu KIN TH TRNG NHIu BIN NG, KHI TIN T RT NNG NG TRONG KINH DOANH NGOI HI; PHT Huy LI TH V MNG LI TNG CNG NGuN THu T DCH V NGN HNG; CNG Ty CHO THu TI CHNH (SACOMBANK-SBL) V CNG Ty QuN L N V KHAI THC TI SN (SACOMBANK-SBA) TN DNG C HI CA TH TRNG, y MNH BN CHO SN PHM THNG QuA H THNG MNG LI CA SACOMBANK, NG GP NG K VO HIu Qu KINH DOANH CHO TON NGN HNG.

Bi cnh kinh t Vit Nam nm 2008 Cui nm 2007, kinh t ton cu tr nn kh khn bi nhng nh hng su rng ca suy thoi kinh t M, bt ngun t tnh trng cho vay bt ng sn di chun. Bc sang nm 2008, tnh hnh kinh t th gii din bin nhanh, phc tp v kh lng. Khng hong ti chnh ton cu dn n suy thoi kinh t mt s quc gia. ng thi, khng hong lng thc v tc ng ca bin i kh hu gp thm bc tranh m m cho nn kinh t th gii. Tc ng ca cuc khng hong kinh t ton cu i vi Vit Nam ngy cng r rt sau khi nc ta chnh thc gia nhp T chc thng mi th gii (WTO). Trong nm 2008, tnh trng lm pht chuyn sang gim pht l hai tnh hung tri ngc din ra trong thi gian ngn lm cho nn kinh t kh khn bi phn; hot ng sn xut kinh doanh (SXKD) thu hp ng k, hng ho ng v sc tiu th gim st; hot ng xut khu gp kh khn; th trng bt ng sn trm lng; th trng chng khon m m; trong khi gi vng, ngoi t v gi c mt s mt hng bin ng tht thng, thm ch c thi im din ra tnh trng u c to nn cn st gi gi to.

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HOT NG KINH DOANH CA SACOMBANK NM 2008 TRONG BI CNH KINH T TH GII V TRONG NC NHIu BIN NG

quy m v nng lc ti chnh, mng li rng khp, uy tn thng hiu v tinh thn thng tn php lut; Ngn hng lun th hin trch nhim cng vi Chnh ph v NHNN thc hin cc chnh sch bnh n kinh t v m, ng thi thu cm cc k vng ca nh u t v chia s kh khn vi h khch hng truyn thng. Do , nm 2008, Sacombank chn la an ton hot ng lm mc tiu u tin hng u v iu hnh kinh doanh linh hot, tn dng thi c ca th trng to ra hiu qu cho Ngn hng nhm cng c ni lc, chun b nn mng vng chc cho bc pht trin tip theo. 1. Kt qu hot ng kinh doanh trong nm: n cui nm 2008, tng ti sn t 68.439 t ng, tng 6%, trong ngun vn huy ng t 59.343 t ng, tng 7% so vi u nm v qun l thanh khon lun nm trong tm kim sot cht ch. ng thi, Ngn hng tng vn iu l ln 5.116 t ng v vn ch s hu l 7.759 t ng bng hnh thc pht hnh c phiu tr c tc. Ngoi ra, Ngn hng thc hin mua c phiu qu h tr th trng theo ch trng ca Chnh ph, n cui nm t 352 t ng. Trong nm, NHNN c tm ln iu chnh li sut c bn, mc cao nht ln n 14%/nm v gim dn cn 8,5% cng vi chnh sch tht cht tin t, rt bt tin trong lu thng bng cch tng t l d tr bt buc, pht hnh tn phiu bt buc v hon tr tin gi Kho bc Nh nc y mt s NHTM c phn quy m nh thiu ht thanh khon, dn n cnh tranh li sut v u c li sut huy ng trn th trng. Trong bi cnh , Sacombank thc hin ch trng tng tng ti sn, thng qua tng trng ngun vn huy ng mc hp l v khng chy ua li sut nhm gp phn cng Chnh ph n nh th trng; ng thi, thc hin huy ng tho thun, huy ng k hn ngn v tn dng ngun vn y thc nhm m bo an ton thanh khon v gim chi ph gi vn. Thng 12/2008, Sacombank c NHNN trao tng Bng khen v c thnh tch xut sc trong vic thc hin cc bin php kim ch lm pht, n nh kinh t v m, p ng nhu cu vn cho pht trin sn xut, m bo an sinh x hi l mt minh chng v trch nhim i vi cng ng x hi. Tng d n cho vay t 35.009 t ng, gim nh so vi u nm bi nguyn nhn khch quan v ch quan. V khch quan, do tnh hnh kinh t khng hong, doanh nghip gp kh khn trong SXKD v li sut cho vay th trng kh cao lm gim ng k nhu cu tn dng. V ch quan, nhm nng cao kh nng thanh khon cho Ngn hng trong bi cnh huy ng vi li sut kh cao, Sacombank chn la gii php ch ng ko gim d n vi vic iu hnh linh hot v cn nhc trn nhiu kha cnh, va gii quyt bi ton hiu qu, va gi vng h khch hng truyn thng v gim quy m v tn dng nhm hn ch thp nht ri ro tn dng trong bi cnh hot ng SXKD nh tr, thu nhp ca ngi lao ng gim st v tnh trng tht nghip ang tng cao.

Trc tnh hnh , Chnh ph iu chnh t mc tiu tng trng cao sang mc tiu kim ch lm pht l u tin hng u v duy tr mc hp l vi tm nhm gii php nhm kim ch lm pht, bnh n kinh t v m, bo m an sinh x hi v tng trng bn vng. Nhng thng cui nm, vi din bin kinh t gim pht, Chnh ph a ra nm nhm gii php nhm ngn chn suy gim kinh t; trong , c bit quan tm n nhm gii php v kch cu v chnh sch tin t linh hot nhm bnh n nn kinh t, h tr hot ng sn xut kinh doanh v y mnh xut khu. Trong bi cnh kinh t kh khn th ngnh ti chnh - ngn hng lun l i tng d b tn thng nht, cng vi nhng thay i c ch chnh sch ca Ngn hng Nh nc (NHNN) tc ng rt ln n hot ng kinh doanh ca h thng cc ngn hng thng mi (NHTM), c bit l nguy c tim n v ri ro thanh khon, n qu hn v n xu. Mt khc, vi c th nn kinh t thanh ton ch yu bng tin mt nn din ra tnh trng cnh tranh li sut trn th trng, lm cho hiu qu kinh doanh cc NHTM gim st ng k. nh gi hot ng ca Sacombank nm 2008 Trong bi cnh chung, hot ng kinh doanh nm 2008 ca Sacombank khng trnh khi nhng kh khn, thch thc; do rt cn phi xem xt nh gi mt cch khch quan; t rt ra nhng bi hc kinh nghim qu gi v thc tin qun tr iu hnh nhm b sung vo hnh trang ca qu trnh thc hin chin lc pht trin thi gian ti. Trc tnh trng mt s nh ch ti chnh quc t sp lin tip hoc nhn cu tr khn cp ca Chnh ph, i din trc thch thc kh khn khch quan v nhng hn ch bt cp ni ti vn c ca h thng NHTM trong nc, cng vi nhn thc Sacombank l mt n v nim yt c

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BO CO THNG NIN 2008

Ngay t u nm, Sacombank xy dng k hoch ti c cu danh mc cho vay v ang tng bc trin khai thc hin. Xp hng tn dng ni b v phn loi n nh tnh c xy dng v p dng th im t lu, mang li li ch thit thc trong thm nh cp pht tn dng nhng cha pht huy hiu qu bi quy nh trn li sut cho vay theo li sut c bn ca NHNN. Trong iu kin kinh t khng hong, doanh nghip gp kh khn nhng Ngn hng vn kim sot cht ch n qu hn v n xu. T l n qu hn duy tr 0,996%/tng d n l mt n lc rt ln trong vic qun l tn dng, sng sut thnh lp cc Ban v Phn ban ngn chn v x l n ngay t u nm nhm pht huy ti a kinh nghim x l n, thu cm v chia s kh khn vi khch hng vay vn trong qu trnh x l n, trin khai thc hin ti thm nh ti sn m bo, nh gi cc khon vay v cam kt ngoi bng tng cng bin php qun l. Bng vn bn, i hi c ng cho php iu chnh k hoch li nhun gim cn 1.500 t ng nhm u tin thc hin mc tiu m bo an ton hot ng Ngn hng, tp trung i ph vi din bin bt n ca th trng v tng cng cng c ni lc chun b tin kinh doanh cho cc nm k tip. Trong iu kin th trng nhiu bin ng, Khi Tin t rt nng ng trong kinh doanh ngoi hi; pht huy li th v mng li tng cng ngun thu t dch v ngn hng; Cng ty Cho thu ti chnh (Sacombank-SBL) v Cng ty Qun l n v khai thc ti sn (Sacombank-SBA) tn dng c hi ca th trng, y mnh bn cho sn phm thng qua h thng mng li ca Sacombank, gp phn ng k vo hiu qu kinh doanh ca ton Ngn hng. Kt qu li nhun trc thu c nm 2008 ch t c 1.110 t ng, tuy khng t c k hoch iu chnh nhng l mt n lc rt ln trong bi cnh va m bo an ton hot ng, va gp phn bnh n th trng tin t v va phi chia s kh khn vi h khch hng truyn thng. Thu nhp t li l mt trong nhng nhn t nh hng ln nht n k hoch li nhun. Bin ng li sut th trng lm gia tng ng k chi ph tr li tin gi, nht l tnh trng rt tin gi trc hn gi li hng li sut cao hn; khi phc trng thi thanh khon va ko gim doanh s cho vay, va lm tng chi ph huy ng lin ngn hng; trong khi , cho vay ra b khng ch trn li sut v tim n nhiu ri ro. Mt khc, thu nhp t hot ng dch v ca h thng NHTM nc ta vn d cn hn ch, nhng phi chu tc ng kp t ch trng tht cht tn dng v kh khn trong thanh ton quc t; ng thi, NHNN cm thu cc khon ph lin quan n hot ng tn dng. 2. Cng c ni lc v hng n tng lai: Ngay t u nm, Sacombank bt tay trin khai thc hin bn ni dung ti cu trc, l (1) ti cu trc b my; (2) ti cu trc hnh lang php l; (3) ti cu trc hot ng kinh doanh v (4) ti cu trc danh mc ti sn v c cu ti chnh,

24
BO CO THNG NIN 2008

HOT NG KINH DOANH CA SACOMBANK NM 2008 TRONG BI CNH KINH T TH GII V TRONG NC NHIu BIN NG

vi nhn thc su sc rng ti cu trc l vic lm thng xuyn, lin tc v kt hp nhun nhuyn trong qu trnh iu hnh kinh doanh. Do phi i ph vi din bin phc tp ca th trng nn mc trin khai thc hin ca Ngn hng cn hn ch v s tip tc xem l nhim v trng tm trong nm 2009. Trong nhng thi im kh khn nht, c s ch o kp thi ca Thng trc Hi ng Qun tr (HQT), Ban iu hnh chuyn hng chn mc tiu an ton lm u tin hng u iu hnh hot ng, thc hin nghim ngt ch trc ban t Hi s n Chi nhnh tip xc khch hng v kp thi gii quyt cc tnh hung pht sinh. y ban Qun l ti sn n - c (ALCO) hp thng xuyn nh gi tnh hnh nhm a ra quyt nh qun l v iu hnh kinh doanh kp thi. Nhn chung, cng tc qun l iu hnh kinh doanh trong nm thc hin rt tt, tnh tun th ca cc n v chp hnh nghim minh, gp phn a hot ng Ngn hng lun trong trng thi n nh v kim sot tnh hnh cht ch. Trong bi cnh kh khn, cng tc qun l iu hnh kinh doanh s khng trnh khi nhng hn ch nht nh, i lc cha kt hp hi ho gia mc tiu cng c v mc tiu pht trin, cng tc phn tch d bo cc tc ng ca th trng v thay i chnh sch v m cn b ng. Ti cu trc theo dng sn phm, hng ti khch hng vi quyt tm hnh thnh i ng bn hng chuyn nghip thi mt lung sinh kh mi y tch cc vo hot ng kinh doanh ca Sacombank trong nm qua. ng thi, vi ch trng gim dn l thuc vo ngun thu tn dng v tng cng hot ng dch v, Sacombank nhanh chng o to i ng nhn s, trin khai cc sn phm dch v tng i ng u v khai thc tt li th v mng li, bc u t kt qu khch l v to dng lng tin cho khch hng. c bit, Khi Tin t v Trung tm Kinh doanh tin t pha Bc tch cc tn dng c hi th trng mang li hiu qu kh quan cho Ngn hng. Tuy nhin, cng phi nhn nhn tim nng v dch v cha c khai thc trit v ngun thu dch v b hn ch phn no bi chnh sch tht cht tn dng, km hm pht hnh L/C nhp khu v kh khn trong hot ng xut khu thi gian qua. ng trc thch thc v thanh khon v gi vng h khch hng, cc Khi nghip v linh hot tham mu, ban hnh a dng cc sn phm dch v; pht huy uy tn thng hiu Sacombank trong vic tip th cc nh ch ti chnh trong v nc ngoi tng cng ngun vn huy ng; gii quyt cc cam kt ti tr cho khch hng; t chc ni tip cc chng trnh khuyn mi Cn lc qu tng, Mng l ln - Trng thng ln v Thng tri n khch hng...; t chc nh gi thm d mc hi lng ca khch hng. Vi nhn thc y vai tr quan trng ca cng tc qun l ri ro, Ngn hng trin khai thc hin nhiu gii php hu hiu i ph vi din bin th trng: Hnh thnh t qun l ri ro th trng qun l hot ng kinh doanh ngoi hi; thc hin ti nh gi ti sn m bo v phi hp vi cc n v thc hin ngn chn, x l n qu hn; xy

25
BO CO THNG NIN 2008

dng v qun l tp trung danh mc cho vay; theo di qun l cht ch cc hn mc tn dng, hn mc pht hnh L/C v cc cam kt ti tr d n trung v di hn. Quy m Sacombank ngy cng ln, nht l h thng mng li rng khp, i hi trch nhim qun l ri ro ton h thng cn phi c nng cao, s mnh qun l ri ro l ca mi ngi, mi cp qun l. thc trch nhim v kinh nghim v ri ro cn phi c o to, trao i tho lun, kim tra, kim sot hng ngy v phi cnh bo kp thi. c bit, ri ro v lng tin ca khch hng cn phi quan tm nhiu hn na. Kinh nghim v qun l ri ro trong thi gian va qua l mt bi hc qu gi khc phc v vn ln. i din vi thch thc v qua thc tin kinh doanh, Ngn hng tin hnh nh gi li mt cch ton din cng tc kim tra kim sot ni b; t ban hnh c ch chnh sch n kim tra, gim st qu trnh thc thi; t qun l nhn s bng quy nh, quy trnh n chm sc, tu dng o c ngh nghip. T kt qu nh gi gip chng ta ra nhiu gii php ng b trin khai thc hin trong nm. Ban Chn chnh t chc kim tra, nh gi chn mu v pht hnh phiu thm d pht huy tr tu tp th nhm cho ra i chnh sch kim tra, kim sot ni b v B Quy tc o c ngh nghip mang bn sc vn ha Sacombank. T chc thng t kim tra, chn chnh trn ton Ngn hng, ng thi h thng kim tra kim sot ti Hi s v cc Khu vc c tng cng v vn hnh c hiu qu, cng vi T Kim tra c bit, B phn Kim ton ni b trc thuc Ban Kim sot v T Gim c lu ng trc thuc Vn phng HQT pht huy tc dng tch cc. Qua gp phn thay i nhn thc cho Cn b nhn vin (CBNV) v cng tc kim tra, kim sot ni b v rn luyn, tu dng o c ngh nghip. Vi nhn thc sc mnh cnh tranh nm ngay trong quy nh, quy trnh nghip v, s nhanh nhy, tinh thng nghip v v h tr kp thi cho cc n v bn hng; do , thi gian ti Ngn hng s tp trung chn chnh cc Khi/Phng nghip v ti Hi s nng cao nng lc cnh tranh v tng cng gim st, qun l tp trung cc lnh vc hot ng kinh doanh. Tip tc xc nh vai tr quan trng ca cng ngh ngn hng trong qun l ri ro, pht trin sn phm dch v Ngn hng, qun tr ti chnh, kim tra gim st hot ng ni b, pht trin dch v ngn hng in t v kt ni giao dch qua h thng ATM. Ngn hng xy dng IT Roadmap da trn nh hng chin lc pht trin n nm 2015 v hng ti nm 2020 di s t vn ca Chuyn gia Cng ty Ti chnh Quc t (IFC); thng tho k hp ng v trin khai nng cp Corebanking T24 phin bn R8. y c xem l ct mc quan trng trong nm 2008 nhm to tin pht trin trong cc nm ti. Nht qun quan im ngun nhn lc l nhn t quyt nh thnh cng s nghip pht trin Sacombank, trong bi cnh kh khn, Ban Lnh o Ngn hng ra ch trng khng tuyn dng thm v cng khng sa thi nhn vin, tng thu nhp cho nhn vin bng cch nh bin nhn s tng nng sut lao ng; xy dng S vng Sacombank ghi nhn cng lao nhng ngi c cng ln vi Sacombank, th hin o l ung nc nh ngun v trao tng k nim chng cho CBNV gn b lu nm vi Ngn hng. Ngoi ra, tip tc cam kt thc hin chnh sch thu nhp, cho vay h tr mua nh v m bo c hi thng tin bnh ng cho mi ngi, quan tm cng c v pht trin ngun nhn lc thng qua cng tc o to, hun luyn, lun chuyn nhn s vi phng chm lm mt vic, bit nhiu vic. Bc sang nm 2009, vi bi cnh kinh t tip tc kh khn, thch thc v mc cnh tranh ngy cng gay gt, vic nh gi li s lng v cht lng nhn s l ht sc cn thit nhm tng cng nng sut lao ng thng qua cng tc nh bin nhn s mt cch trit v khoa hc. Chin lc pht trin mng li ca Sacombank v ang thc hin thnh cng vi h thng mng li bt u pht huy hiu qu, nhanh chng tn dng c hi chim lnh th phn, m rng th trng to ra li th cnh tranh trong tng lai. S xut hin ca Vn phng i din ti Trung Quc, Chi nhnh ti Lo v sp ti l Chi nhnh ti Campuchia nhm khai thc trit tim nng th trng cn b ng v nng cao uy tn thng hiu Sacombank trong Khu vc. Sau mt thi gian di tch cc m rng mng li, n lc phi nh gi ton din cng tc ny bao gm nh gi li hiu qu hot ng tng im giao dch, kh nng trin khai a dng cc sn phm dch v; nh bin nhn s v nng sut lao ng; hiu qu s dng mt bng tr s lm vic v ti sn c trang b; hnh nh, thng hiu Sacombank v cng tc qun l ri ro, cng tc t kim tra chn chnh ni b t c chnh sch h tr cho tng im giao dch, xem y l nhim v quan trng trong nm ti.

26
BO CO THNG NIN 2008

HOT NG KINH DOANH CA SACOMBANK NM 2008 TRONG BI CNH KINH T TH GII V TRONG NC NHIu BIN NG

Chng trnh thc hnh tit kim, chng lng ph v phn bit chi ph u t vi chi ph mt i theo ch o ca Thng trc HQT lun lun ng trong mi hon cnh, cng ng hn v cn phi thc hin ngay trong bi cnh kh khn. Vi quan im , Sacombank trin khai chng trnh thc hnh tit kim v chng lng ph vi kt qu kh quan v gp phn thay i t duy kinh doanh trong mi trng cnh tranh ngy cng khc lit. D nh u nm 2009, Ngn hng s tip tc t chc phn tch, nh gi cn k chuyn chi ph v bn gii php thc hin mt cch trit nht. Hot ng qung b thng hiu ca Ngn hng ngy cng chuyn nghip, hiu qu v tit kim chi ph cho Ngn hng. Trong nm, thc hin nhiu loi hnh qung b trn cc knh truyn thng cp quc gia, bo ch, Bn tin Nh u t, Bn tin ni b, trang Web, cc chng trnh hi ngh, hi tho chuyn , cc chng trnh s kin, hot ng khai trng im giao dch, chng trnh khuyn mi gii thiu hnh nh ca Sacombank n vi cng chng. Ngoi ra, Phng i ngoi lun tng cng mi quan h vi cc c quan Chnh quyn a phng, NHNN, c quan truyn thng, t chc quc t nhm hu thun v h tr trong vic phng chng khng hong thng tin, em li gi tr thit thc trong hot ng truyn thng ca Ngn hng. Kt qu trong nm, Ngn hng nhn c 11 gii thng ln c gi tr gm 05 gii thng trong nc v 06 gii thng quc t, tng gp hai ln s gii thng trong nm 2007. iu ny chng t thng hiu v uy tn ca Sacombank ngy cng c khng nh trong nc, khu vc cng nh quc t. c bit, thng qua nhng n lc phc v cho cng ng v x hi, Sacombank c trao tng Bng khen ca Th tng Chnh ph i vi tp th CBNV Sacombank trong cc hot ng t thin x hi v cng ng. u thng 10/2008, Th tng trao C thi ua dnh cho tp th Sacombank v nhng hot ng ca Ngn hng trong thi gian qua. Ngy 16/5/2008, chng kin s kin ra mt Tp on Ti chnh Sacombank, trong Sacombank l n v ht nhn chi phi hot ng ca ton Tp on cng vi cc Cng ty thnh vin v Cng ty hp tc chin lc. ng thi, xy dng chin lc pht trin Tp on n nm 2015, hng ti 2020. Vi sc mnh ca Tp on s pht huy ti a li th ca Ngn hng v cc Cng ty thnh vin, thng qua bn cho sn phm bng cc hp ng kinh t v chia s li ch kinh t r rng. Kt qu bn cho sn phm vi Sacombank-SBL, chi tr kiu hi thng qua h thng mng li Ngn hng vi Cng ty Kiu hi (Sacombank-SBR), thc hin thm nh ti sn v qun chp hng ho cm c vi Sacombank-SBA l nhng minh chng c th. ng thi, Ngn hng khai trng hot ng ca Cng ty Vng bc qu (Sacombank-SBJ) v a vo hot ng sn vng l cch pht huy li th mng li ca Sacombank v sn phm ca SBJ tng thu nhp trong khun kh Tp on nm 2009. Trong nm 2008, kh khn ca ngi ny l c hi ca ngi khc. Cng ty Chng khon (Sacombank-SBS) v Cng ty c phn Qun l qu u t Vit Nam (VFM) gp kh khn rt ln bi nhng nh hng ca th trng chng khon m m th ngc li Sacombank-SBL v Sacombank-SBA li tn dng tt c hi ca th trng pht trin.

Cc ch tiu ti chnh ch yu tnh n 31/12/2008 (theo Bo co kim ton ring ca Ngn hng): T l an ton vn (CAR): 12,16% T l ngun vn ngn hn cho vay trung di hn: 31,48% T l u t ti sn c nh: 30,58% T l gp vn, mua c phn (theo Q 34 ca NHNN): 57,85% T l cho vay/Huy ng: 57% T l sinh li/Tng ti sn bnh qun: 1,49% T l sinh li/Vn iu l bnh qun: 20,35% T l n qu hn: 0,996%

27
BO CO THNG NIN 2008

HOT NG QuN L RI RO

QuN L RI RO C XeM L MI QuAN TM HNG u CA CC DOANH NGHIP, C BIT L DOANH NGHIP HOT NG TRONG LNH VC TI CHNH NGN HNG. TRONG BI CNH Suy THOI KINH T TON Cu NM 2008, HN CH TI A CC TN THT C TH Xy RA V M BO HOT NG AN TON - BN VNG, SACOMBANK CNG C V HON THIN CC Quy TRNH V QuN L RI RO THeO CHuN MC V THNG L QuC T.

Khung h thng qun l ri ro Sacombank tip tc cam kt to ra gi tr gia tng cho cc c ng thng qua vic pht trin hot ng kinh doanh, ng thi duy tr khu v ri ro mc chp nhn. Ngoi ra, Ngn hng xy dng khung h thng qun l ri ro bao gm c cu t chc, cc quy nh ni b nhm qun l ri ro mi phm vi t khon mc n danh mc v cc loi hnh kinh doanh, cc loi ri ro tn dng, th trng v hot ng ph hp vi h thng mng li tri rng c nc v mt s a bn nc ngoi, cng cc loi hnh kinh doanh phong ph, a dng. C cu t chc lin quan n qun l ri ro c Ngn hng xy dng v xem xt nhm iu chnh kp thi v thng xuyn, bao gm: Cc y ban lin quan n qun l ri ro nh y ban Qun l ri ro, y ban Kim ton, Hi ng Tn dng cp cao trc thuc Hi ng Qun tr; y ban Tn dng, y ban Qun l ti sn n - c (ALCO), Phng Qun l ri ro, Phng Kim tra kim sot ni b trc thuc Ban iu hnh; Cc cp qun l, kim sot vin, b phn kim sot c lp trc thuc cc n v kinh doanh trc tip cng cc cht kim sot trong tng quy trnh tc nghip.

Hin nay, cc quy nh ni b ca Ngn hng kh hon chnh v c c quan qun l nh gi cao. Ngn hng v ang tip tc xy dng h thng cc quy nh ba cp : Chnh sch, Quy nh v Quy trnh tc nghip.

28
BO CO THNG NIN 2008

HOT NG QuN L RI RO

Ri ro tn dng Hin nay hot ng tn dng l mt trong nhng hot ng em li ngun li nhun ch yu cho Ngn hng nhng li tim n nhiu ri ro. Do vy, Ngn hng xy dng, duy tr v pht trin h thng qun l ri ro tn dng kh y v hiu qu. Chnh sch tn dng c xy dng, trong xc nh cc nguyn tc, chun mc v khu v ri ro, th trng, i tng khch hng, ti sn bo m, cc nguyn tc trong xc minh, thm nh, ph duyt, kim tra, thu hi n nhm m bo an ton, hiu qu trong hot ng cp tn dng. Cc hn mc phn quyt, quy trnh cp tn dng rt c th i vi cc c nhn, tp th t Chi nhnh n Hi s, nhm m bo tnh c lp, khch quan gia xut, tham mu v phn quyt trong qu trnh cp tn dng. Danh mc cho vay c xc nh hng nm cho ton Ngn hng, tng Khu vc v tng Chi nhnh, nhm m bo hn ch cho vay tp trung vo i tng khch hng, ngnh ngh, sn phm, a bn M hnh xp hng tn dng c xy dng nhm h tr vic nh gi khch hng, thm nh tn dng, tnh ton mc thit hi d kin (eL) trn nguyn tc c lp, khch quan. H thng qun l ri ro tn dng gip cho Ngn hng lun duy tr tng trng tn dng vi cht lng m bo. Trong nm 2008, khng hong kinh t nh hng nghim trng n kh nng tr n ca khch hng, tuy nhin n xu (NPL) ch mc 0,996% vo thi im 31/12/2008. Ri ro th trng Mi trng kinh doanh ca Vit Nam ngy cng hi nhp su rng v chu nh hng ca th trng th gii vi nhiu c hi cng nh thch thc v ri ro. H thng qun l ri ro th trng c Ngn hng quan tm xy dng v dn hon thin hn, nhm m bo phng chng cc ri ro trong kinh doanh ngoi hi, chng khon, cng nh cc ri ro v li sut, thanh khon. Sacombank thnh lp y ban Qun l ti sn n - c (ALCO) nhm m bo an ton, hiu qu trong hot ng huy ng vn v s dng vn; Cc n v kinh doanh ngoi hi (FX), giao dch tin gi (MM) c t chc theo m hnh Front - Middle - Back v duy tr h thng kim sot giao dch, m bo hn ch ti a ri ro xy ra; Ngn hng thit lp h thng hn mc giao dch rt c th i vi cc n v ti Chi nhnh, Hi s trn c s kh nng, kinh nghim v cht lng tn dng thc t. Bn cnh , h thng bo co, qun l danh mc kinh doanh v u t, tnh ton mc thit hi ti a (VAR) cng c p dng

H thng qun l ri ro th trng gip cho hot ng kinh doanh ngoi hi t tng trng tt, gp phn kh ln cho thu nhp ca Ngn hng. Tuy hot ng u t chng khon chu nh hng ca tnh hnh th trng chng khon trm lng trong nm 2008, nhng ri ro vn c kim sot cht ch v hiu qu. Ri ro hot ng y l loi ri ro xy ra kh thng xuyn trong hot ng cc ngn hng v ngy cng c quan tm. Sacombank tng bc xy dng h thng qun l ri ro hot ng nhm hn ch cc ri ro do con ngi hoc h thng, do quy trnh ni b hoc tc nhn bn ngoi, bao gm: Cc quy trnh thit k, ban hnh sn phm mi, quy nh mi, nhm m bo tnh ph hp vi yu cu khch hng nhng vn m bo an ton, hiu qu cho Ngn hng; Cc tiu chun an ton trong hot ng i vi kho qu, vn chuyn tin, my ATM, h thng cng ngh thng tin (IT) v cc loi my mc thit b khc s dng trong cc giao dch Ngn hng; Phng n m bo hot ng lin tc (BCP) cng c Ngn hng tng bc thit lp cho h thng IT v cc hot ng khc. Bn cnh , Ngn hng lun duy tr ngun vn t c ti thiu (CAR) trn 8% theo tiu chun Basel II v theo quy nh ca Ngn hng Nh nc Vit Nam; Tin hnh r sot, chn chnh, ci tin (RCSA) ti tt c cc n v t Chi nhnh n Hi s, nhm nh gi tnh hiu qu trong kinh doanh, cng nh mc tim n ri ro. ng thi, kim tra tnh hiu lc, hiu qu ca h thng kim sot cc giao dch, hot ng trn ton Ngn hng

Kinh t Vit Nam nm 2009 c nhn nh s cn nhiu kh khn, tuy nhin Sacombank s tip tc chin lc m rng mng li ra nc ngoi, xy dng nhiu sn phm, dch v mi... nhm p ng ti a nhu cu ca khch hng. T nh hng ny, cng tc qun l ri ro ti Sacombank s tip tc c ci tin nhm m bo li ch ca khch hng, c ng, nh u t cng nh pht trin hot ng ca Ngn hng trn c s an ton v hiu qu.

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BO CO THNG NIN 2008

CI TIN C CH, I MI CHNH SCH - PHT Huy HIu Qu H THNG KIM TRA KIM SOT V KIM TON NI B

Do tc ng t cuc khng hong ti chnh, suy thoi kinh t ton cu, cng nh nhng bin ng khn lng ca hot ng ti chnh - tin t trong nc, nm 2008 va qua, cc ngn hng phi i mt vi rt nhiu kh khn, t cng tc qun l thanh khon, qun l ri ro tn dng cho n vic m bo n nh hot ng ni chung. Ngoi ra, nhng ri ro khc pht sinh trong hot ng nh ri ro nhn s, nhng tn ti trong cng tc qun l iu hnh cng t ra nhng yu cu i hi phi nng cao vai tr, tnh hiu lc v hiu qu ca h thng kim tra kim sot. Vi m hnh t chc v quy m hot ng rng khp, c ch kim tra v gim st ng vai tr rt quan trng trong qu trnh vn hnh hiu qu b my ca Sacombank hng n mc tiu An ton, hiu qu v pht trin bn vng. V vi mc tiu An ton c u tin hng u trong nm 2008 ny, Hi ng Qun tr (HQT), Ban Kim sot (BKS) c bit quan tm n cng tc kim tra, gim st trn ton h thng. Trong nm va qua, Ban Chn chnh do HQT lp ra thnh lp T Nghin cu xy dng n ci tin h thng kim tra kim sot ni b (KTKSNB). Chnh sch KTKSNB c ban hnh lm c s cho vic i mi c ch, phng php v phng thc kim tra kim sot (KTKS) v kim ton ni b (KTNB). Bn cnh , B Quy tc o c ngh nghip ca Cn b nhn vin (CBNV) Ngn hng ban hnh trong nm cng c Ban Chn chnh tp trung xy dng nhm to nn tng c bn cho mi ngi ci thin bn thn lm c s cho vic gii quyt cc mi quan h x hi trn nn tng vn ha v o l kinh doanh ca Sacombank trong khun kh quy nh ca php lut. ng thi l vic pht ng Thng truyn thng T kim tra chn chnh (vo thng 8 hng nm) nhm nng cao thc t kim tra, t chn chnh, n lc hon thin hot ng ca cc n v trn ton h thng. Song song , hot ng ca T Gim c lu ng, T Kim tra c bit cng gp phn th hin s quan tm ca Lnh o Ngn hng i vi thc t hot ng ca h thng cc Chi nhnh v Cng ty trc thuc. H thng kim tra gim st ti Sacombank c xy dng ngy cng hon thin theo m hnh:

I HI NG C NG

THNG TRC HI NG QuN TR y BAN KIM TON

BAN KIM SOT

B PHN KIM TON NI B TNG GIM C

PHNG KIM TRA KIM SOT NI B CC PH TNG GIM C T KIM TRA KHu VC CC CNG Ty TRC THuC CC KHI NGHIP V HI S CC CHI NHNH, S GIAO DCH THuC KHu VC
cp qun l trc tip bo co cc n v c kim tra v gim st

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BO CO THNG NIN 2008

CI TIN C CH, I MI CHNH SCH - PHT Huy HIu Qu H THNG KIM TRA KIM SOT V KIM TON NI B

1. Ban Kim sot (BKS): m bo tnh khch quan v c ch gim st, BKS do i hi ng c ng trc tip bu ra, c lp vi Hi ng Qun tr (HQT) v Tng Gim c (TG). Nhim v ca BKS l kim tra hot ng ti chnh, gim st vic chp hnh ch hch ton v s an ton trong hot ng ca Ngn hng. BKS ch o iu hnh B phn Kim ton ni b (BP KTNB), s dng BP KTNB thc hin nhim v kim tra, r sot, nh gi mt cch c lp, khch quan i vi h thng KT KSNB; h thng nhn dng v qun l ri ro; phng php nh gi vn; h thng thng tin bo co ti chnh v thng tin qun l; cc quy trnh, quy nh ni b ca Ngn hng nhm nh gi chnh xc hot ng kinh doanh v thc trng ti chnh ca Ngn hng. Theo , nh k, BP KTKSNB phi thng bo cho HQT v TG v h thng KTKSNB; a ra cc kin ngh, xut nhm chnh sa, hon thin h thng ny. 2. y ban Kim ton (UBKT): uBKT l c quan do HQT thnh lp, i din Ngn hng trong cc mi quan h lm vic vi C quan Thanh tra Nh nc, Thanh tra Ngnh v cc cng ty kim ton. uBKT c chc nng tham mu cho HQT v cc vn c lin quan n cng tc qun l ti chnh ca Ngn hng v cc Cng ty trc thuc; ch tr cng tc kim ton ni b vo cui mi qu v cui nm. Trong qu trnh hot ng, uBKT s dng h thng KTKSNB v BP KTNB trong Ngn hng thc hin nhim v ca mnh. ng thi, ch ng phi hp vi Ban iu hnh thng nht ch o thc hin theo yu cu ca HQT nhm bo m hot ng t kt qu tt nht. 3. B phn Kim ton ni b (BP KTNB): L b phn gip vic v chu s ch o trc tip ca BKS. Vi mc tiu hot ng nh hng ri ro, BP KTNB c nhng thng bo kp thi v bn cht v mc nh hng ca nhng vn cn tn ti trong hot ng Ngn hng v a ra nhng kin ngh thit thc nhm ngn nga, khc phc nhng vn lin quan . ng thi, thng qua vic thc hin cc bin php kim sot cc hot ng nghip v, ti cc n v trn ton h thng, BP KTNB ch trng cng tc nh gi tnh hiu lc v hiu qu ca h thng KTKSNB c thit lp ti Ngn hng, tin cy ca bo co ti chnh v s tun th cc quy nh ca php lut. Ngoi mc tiu hot ng nh hng ri ro, BP KTNB cng hng ti tnh ton din trong vic kim ton cc hot ng nghip v, cc n v, cc b phn trn ton Ngn hng. i vi cc nghip v, cc n v khng thc hin kim ton trong nm, BP KTNB cng m bo c s tham vn thch hp nhm xc nh v nm bt r v tnh trng hot ng, nhng u nhc im trong hot ng nghip v ca n v . 4. Phng Kim tra kim sot ni b (P KTKSNB): Chu s iu hnh trc tip ca TG, c trch nhim kim tra, gim st vic tun th quy nh php lut v cc quy ch, quy trnh nghip v, quy nh ni b ca Ngn hng. P KTKSNB h tr TG thc hin vic t kim tra tng hp, r sot, nh gi tnh hiu lc v hiu qu ca h thng KTKSNB nhm pht hin, ngn nga v kp thi kin ngh; x l nhng tn ti, sai phm trong mi hot ng nghip v; hon thin h thng KTKSNB; m bo Ngn hng hot ng an ton hiu qu, ng php lut. P KTKSNB cn c trch nhim tng hp tt c cc bo co kim tra ca t kim tra khu vc, nh gi tt c cc sai phm theo tng khu vc v bo co cho TG. Trong trng hp c bit, P KTKSNB c th thc hin kim tra li cn c vo mc sai phm c ghi nhn trong bo co ca t kim tra khu vc. P KTKSNB cng T kim tra khu vc phi hp xy dng k hoch cho c hai n v sao cho khng b trng lp nhim v m bo cc hot ng ca cc n v trong Ngn hng lun c kim sot cht ch. K hoch kim tra ca hai n v l lun m bo mi Chi nhnh phi c kim tra t nht mt ln trong nm, mi Phng giao dch phi c kim tra t nht hai ln trong nm. 5. T Kim tra khu vc (T KTKV): c thnh lp trong nm 2008 theo m hnh Ti cu trc ca Ngn hng. T KTKV l n v thuc h thng kim tra kim sot ni b ca Ngn hng, chu s ch o v nghip v ca P KTKSNB v thc hin vic kim tra trc tip ti Chi nhnh, chu s qun l trc tip ca cc Ph Tng Gim c ph trch khu vc. T KTKV c trch nhim kim tra, gim st vic tun th quy nh ca php lut v cc quy ch, quy trnh nghip v, quy nh ni b ca Ngn hng; kim tra gim st vic thc hin cc quy nh v trch nhim v quyn hn ca Cn b qun l ti cc n v trong khu vc. Ngoi cc cp kim tra v gim st c thit lp nhm m bo an ton v hiu qu trong hot ng, ti Sacombank, cng tc t kim tra lun c t ln hng u. C th coi y l nt vn ha ca Sacombank. T kim tra th hin tinh thn trch nhim ca mi CBNV trong vic kim sot cng vic ang thc hin; trch nhim v kim tra kim sot ca cc trng n v v trch nhim kim tra kim sot ca cc cp Lnh o.

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BO CO THNG NIN 2008

NHN S V O TO - u T CHO TNG LAI

TRuNG TM O TO CA SACOMBANK T CHC LIN TC CC KHA O TO CHuyN MN CNG NH CC KHA O TO K NNG C THIT K CHuyN BIT, PH HP I VI TNG CP CBNV. BN CNH NHNG HOT NG Ny, CBNV TI CHI NHNH/S GIAO DCH CN C NH HNG PHT TRIN S NGHIP BNG NHNG S THNG TIN DNH CHO TNG CHC DANH. THNG QuA CC CHNG TRNH Ny, CBNV C C HI XC NH MC TIu NGH NGHIP MT CCH R RNG, T HOCH NH CON NG PHT TRIN S NGHIP CNG NH C HI THNG TIN CHO BN THN.

Nm 2008 l mt nm y bin ng v kh khn ca nn kinh t th gii ni chung v ngnh ti chnh ngn hng ni ring. Trong khi mt s ngn hng trong v ngoi nc iu chnh gim lng, ct gim nhn s, Sacombank vn m bo vic lm v thu nhp ca i ng Cn b nhn vin (CBNV) thng qua vic iu chnh tng lng ng lot t 10% - 40% vo u nm 2008 v b tr cng vic ph hp cho CBNV trong sut thi gian kh khn ca nm qua. Sacombank hin thu ht i ng nhn s c trnh trung cp, cao ng, i hc, trn i hc 4.601 ngi, chim 77% tng nhn s. C cu nhn s kh tr, di 30 tui l 4.085 ngi, chim 68% tng nhn s. Trong tnh hnh kh khn ca ngnh ngn hng nm 2008, CBNV Sacombank vn c m bo cc ch lng, thng L, thng Tt, phc li, ngh mt, i ng... Bn cnh , Sacombank trin khai ch d phng bo him ri ro ngh nghip; t chc kho st nguyn vng CBNV nhm kp thi iu chnh chnh sch nhn s ph hp; bo lu thi gian cng tc nhm m bo quyn li ca CBNV Sacombank cng nh ca CBNV cc Cng ty trc thuc... i vi cc CBNV tiu biu, t nm 2008, Sacombank t chc xt tng danh hiu Ti nng Sacombank tiu biu vi nhiu i ng.

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BO CO THNG NIN 2008

NHN S V O TO - u T CHO TNG LAI

Nhm cng c v nng cao cht lng i ng nhn s, Sacombank tng bc thit lp h thng kim tra kin thc nghip v nh k i vi cc Nhn vin nghip v ti Chi nhnh/S Giao dch lm c s cho cng tc o to v quy hoch i ng nhn s tim nng. ng thi, Trung tm o to ca Sacombank t chc lin tc cc kha o to chuyn mn cng nh cc kha o to k nng c thit k chuyn bit, ph hp i vi tng cp CBNV. Bn cnh nhng hot ng ny, CBNV ti Chi nhnh/S Giao dch cn c nh hng pht trin s nghip bng nhng s thng tin dnh cho tng chc danh. Thng qua cc chng trnh ny, CBNV c c hi xc nh mc tiu ngh nghip mt cch r rng, t hoch nh con ng pht trin s nghip cng nh c hi thng tin cho bn thn. Khng th ph nhn tnh trng nhn s ca cc ngn hng trong nm 2008 va tha li va thiu. Nguyn nhn l do li sut huy ng lin tc tng cao, sau li gim u, loi hnh tit kim ngn hn c a chung hn nn khch

hng thng xuyn thay i hnh thc gi tit kim, o hn, tt ton v gi li lm gia tng cng vic ca b phn giao dch v dch v. Ngc li, cng vic ca b phn tn dng gim ng k do chnh sch tht cht tin t. gii quyt vn ny, Sacombank thc hin cng tc nh bin, sp xp li nhn s ca cc b phn, tinh gn b my trn ton h thng nhm m bo tt c cc CBNV u c th pht huy nng lc lm vic. Theo , nhng b phn cn b sung nhn s vn c quan tm xem xt, nhng b phn c nhn s di d c iu chuyn sang thc hin cng tc m rng mng li. Qua mt nm vi nhiu cam go v th thch nhng chnh sch nhn s linh hot v ph hp ca Sacombank gip Ngn hng kinh doanh an ton v hiu qu; m bo cng vic v thu nhp n nh cho i ng CBNV, ng thi khng ngng gia tng li ch cho cc nh u t v khch hng.

33
BO CO THNG NIN 2008

LNG NGHE KHCH HNG D N KHO ST MC HI LNG CA KHCH HNG

Gi gn v nng cao s hi lng ca khch hng l mc tiu hng u cn c duy tr nhm hng n vic pht trin h khch hng n nh vn c xem l nn tng vng chc Sacombank tr thnh s la chn hng u ca khch hng trong lnh vc ti chnh ngn hng. Khch hng hin hu c nh gi l ti sn v hnh qu gi nht m Sacombank xy dng c trong sut qung thi gian t lc thnh lp cho n nay; v th vic trin khai d n Lng nghe khch hng trong nm 2008 va qua gp phn nh gi chnh xc hn nhng kha cnh hot ng ca Ngn hng. y cng l c hi qu gi nhm nng cao trch nhim v k nng chm sc khch hng ca mi Cn b nhn vin (CBNV) nhm tng bc a Sacombank hon thnh nhng nh hng hot ng chin lc trong tng lai.

T phng php kho st khoa hc D n Lng nghe khch hng c thc hin thng qua chng trnh kho st nhm (1) Phc ha bc tranh nh gi o lng mc hi lng ca khch hng i vi Sacombank trong hin ti; (2) S la chn ca khch hng trn ton h thng theo tng Khu vc, Chi nhnh; (3) Phn tch yu t chi phi v cu thnh mc hi lng ca khch hng; (4) Tm ra nguyn nhn tc ng n mc hi lng lm c s xc nh hng i cho gii php nng cao mc hi lng ca khch hng. Chng trnh kho st c thc hin trn 34.999 khch hng - mt tng mu kh ln c th p ng k vng cho kt qu kho st c chnh xc cao, lch chun nh; ng thi m bo lng mu cn thit cho vic phn tch ring i vi tng Khu vc, tng Chi nhnh:

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BO CO THNG NIN 2008

KHO ST MC HI LNG CA KHCH HNG

Ch tiu c phn b theo tng khu vc c trng v tng ng vi phn nh khu vc qun l ca Sacombank nh Khu vc TP HCM (60%), Khu vc min Ty (10%), Khu vc min Trung (15%) v Khu vc H Ni v min Bc (15%); Ch tiu c phn b cho 47 S Giao dch/Chi nhnh trn ton h thng hot ng c mt thi gian nht nh v da trn c im v quy m h khch hng ca tng n v; Tin hnh phng vn trc tip nhng khch hng thng xuyn n giao dch ti Ngn hng; Gii php m bo cht lng kho st: (1) Chng trnh o to c xy dng vi kch bn kim tra thc hnh k nng phng vn khch hng; (2) Chng trnh phn mm nhp liu c lp trnh vi chc nng bt li tc th v qun tr kt qu kho st trc tuyn; (3) M hnh qun l gim st v vn hnh c xy dng va phn nhnh va tp trung nhm m bo cht lng kt qu kho st, gim thiu ri ro thng tin khng trung thc, ri ro sai st nhp liu nhng vn to s linh hot cho cng tc vin khai thc thng tin t khch hng.

Thang im nh gi tng ng ca khch hng v mc hi lng i vi Sacombank nh sau:

IM 1 2 3 4 5

% 20 40 60 80 100

NH GI TNG NG Rt khng hi lng Khng hi lng Bnh thng Hi lng Rt hi lng

n kt qu thc hin Mc hi lng ca khch hng i vi Sacombank t 151.944 im (chim 86,83%) trn tng im ti a 174.995. Trn tng ton Ngn hng, vi tin cy 99%, mc hi lng ca khch hng nm trong khong gi tr [4.3327,4.3500] = 4.3414 0.0087.

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BO CO THNG NIN 2008

Xt theo tng khu vc: Khu vc t mc im hi lng ca khch hng cao nht l Khu vc min Ty vi 4,45 im (t 88,99%), tip l Khu vc min Trung vi 4,36 im (t 87,13%), Khu vc TP HCM vi 4,33 im (t 86,68%) v Khu vc H Ni v min Bc vi 4,27 im (t 85,49%).

n v: im Ton h thng 4,34

KV TP HCM

4,33

KV H Ni & min Bc

4,27

KV min Ty

4,45

KV min Trung

4,36

Xt theo phn nhm khch hng c nhn v doanh nghip: i vi cc khch hng giao dch c nhn c mc hi lng 4,35 im (t 86,93%), cc khch hng giao dch i din cho doanh nghip c mc hi lng 4,32 im (t 86,31%). Kt qu kho st cng chng minh nm yu t quan trng nht quyt nh mc hi lng ca khch hng theo th t u tin: (1) Tin ch gi tr em li ca nhng sn phm dch v Ngn hng cung cp; (2) iu kin c s vt cht ca mt Chi nhnh; (3) Thi phc v ca nhn vin; (4) Thi gian hon tt mt giao dch; (5) Trnh v k nng ca Nhn vin giao dch.

n v: % Mc hi lng chung i vi Ngn hng 86,7

Thi phc v ca nhn vin

88,8

Trnh v k nng ca nhn vin

87,5

Thi gian hon tt mt giao dch

82,7

Tin ch sn phm dch v em li

86,6

% 20
88,9

Mc hi lng Rt khng hi lng Khng hi lng Bnh thng Hi lng Rt hi lng

S tin nghi thoi mi ni giao dch

40 60 80 100

Kt qu kho st: Nm yu t quan trng chi phi n mc hi lng ca khch hng i vi Sacombank

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BO CO THNG NIN 2008

KHO ST MC HI LNG CA KHCH HNG

Sacombank c khch hng nh gi tt v (1) Thi phc v ca Nhn vin, (2) Trnh v k nng ca Nhn vin giao dch, (3) iu kin c s vt cht ca mt Chi nhnh bi Sacombank (1) Lun duy tr v pht huy truyn thng tt p trong thi phc v khch hng m Ngn hng xy dng c, (2) Khng ngng y mnh cng tc o to v nng cao k nng bn hng ca Nhn vin giao dch, (3) Tip tc y mnh cng tc m rng mng li, nng cp c s vt cht, thit k khng gian giao dch nhm to lp mt hnh nh Sacombank chuyn nghip, hin i, gn gi trn c s m bo s hi lng ca khch hng mc cao nht. Tm kim khch hng mi l rt quan trng nhng gi c khch hng gn b lu di mi l nn tng ca s pht trin an ton bn vng v n nh cho tng lai ca Ngn hng. Kt qu kho st cho Sacombank mt ci nhn khch quan v chnh xc hn thng qua s nh gi ca khch hng hin hu. S hi lng ca khch hng l mt tn hiu kh quan, ng thi cng l mt thch thc ln khi t n vo nh hng chin lc pht trin ca Ngn hng. Chng trnh kho st mc hi lng ca khch hng cn c s dng nh mt cng c h tr cng tc xy dng, theo di, gi gn v nng cao mc hi lng ca khch hng. Mc hi lng l yu t chuyn ng thay i theo thi gian; v vy c c nhng nh gi

khch quan v hiu qu, Ngn hng cn quan st s di chuyn ca yu t ny theo thi gian, khng gian cng nh t trong tng quan so snh vi cc ngn hng khc trn ton h thng thng qua cc gi gii php nhm em li nhng kt qu tt nht: Nng cao trnh v k nng ca CBNV; cng ngh thng tin; sn phm dch v, quy trnh tc nghip ban hnh; cng tc chm sc khch hng ti Chi nhnh; mi trng giao dch, lm vic; phi hp, h tr, t vn, o to hng dn Chi nhnh; phn cng hot ng v t chc kinh doanh; Cc gii php c phn loi theo nhm: khn cp cha khn cp, di hn - ngn hn, tc ng tng i - tc ng mnh t c th cn nhc thc hin theo mt l trnh hp l v hiu qu, ph hp vi thc trng v bi cnh hin nay ca Ngn hng; xut gii php khng ch n thun nhm n vic rt ngn thi gian giao dch mt cch hp l, m im chnh yu l nng cao hiu sut v hiu qu hot ng giao dch trong Ngn hng ni chung v ti cc Chi nhnh ni ring; Song song vi vic xut cc gii php trn, t ghi nhn trong qu trnh nghin cu kho st thc t, cc gii php v qun l ri ro trong hot ng Ngn hng cng c a ra nhm h tr hiu qu cho qu trnh thc hin cc gii php nu trn.

Trin khai D n tip theo - Gii php nng cao mc hi lng ca khch hng (th nghim ti Khu vc Thnh ph H Ch Minh): D n xy dng gii php nng cao mc hi lng ca khch hng c trin khai khng ngoi mc ch em n cho khch hng nhng sn phm dch v ngn hng chuyn nghip v tin ch nht. Thi gian, hiu qu giao dch trong Sacombank l yu t ng, s c s thay i theo thi gian tng ng vi s pht trin ca Ngn hng, s pht trin ca th trng v x hi. Do , vic o lng, phn tch, nh gi, cng nh cc gii php thc hin cng cn c thc hin thng k, c iu chnh cp nht tng ng theo s thay i nhm m bo kt qu t c lun c hiu qu trong di hn.

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BO CO THNG NIN 2008

NHNG CAM KT I VI CNG NG V X HI

S pht trin bn vng ca mt doanh nghip phi lun gn lin vi trch nhim x hi thng qua vic tun th nhng chun mc v bo v mi trng, lut php, m bo quyn li ca ngi lao ng v pht trin cng ng. y c xem l nhng cam kt o c ca doanh nghip trong qu trnh hot ng kinh doanh v ng gp cho s pht trin kinh t x hi ni chung thng qua th hin cao nht trch nhim x hi ca mt doanh nghip nhm t n mc tiu pht trin bn vng. y cng chnh l nh hng ang dn c hon thin ti Sacombank. Bng vic nhn thc v nghin cu ng dng hiu qu m hnh TRCH NHIM X HI CA DOANH NGHIP (Corporate Social Responsibility - CRS) kim t thp ca A. Carroll bao gm cc mt: Kinh t - Php l - o c - T thin, trong sut qu trnh hot ng kinh doanh, Sacombank lun th hin cao nht trch nhim i vi khch hng, c ng, i ng nhn s v x hi qua cc chng trnh hnh ng c th. u tin l trch nhim kinh t: iu ny c th hin qua hiu qu hot ng v kh nng tng trng li nhun hng nm ca Sacombank, va l trch nhim v li ch kinh t cho chnh Sacombank va l cho c x hi. Tuy ng c xut pht ca trch nhim ny l t nhu cu kinh doanh tm kim li nhun cho Ngn hng, c ng v cc nh u t, nhng Sacombank nm bt c trch nhim l mt trong nhng t bo kinh t cn bn ca x hi. V vy, thng qua qu trnh hot ng kinh doanh nhm pht trin

doanh nghip, Ngn hng c nhng ng gp tch cc cho x hi trong vic m bo cng n vic lm v ngun thu nhp n nh cho hn 6.000 Cn b nhn vin; to thu nhp cho cc thnh phn kinh t khc trong nn kinh t qua cc dch v lin i; ng thi mi nm ng gp vo ngn sch Nh nc hng trm t ng. Th hai l trch nhim tun th php lut: Vi nhng quy tc o c, x hi c a vo vn bn lut, Sacombank nghim tc chp hnh cc chnh sch iu tit v m ca Ngn hng Nh nc v mi mt nh li sut kinh doanh, d tr bt buc, mua tri phiu Chnh ph nhm n nh th trng ti chnh; cho n vic tun th nghim chnh vic cp pht tn dng, giao dch, cung ng dch v i vi cc ngnh ngh Nh nc cm, mc d kh nng thu li nhun cao; m bo tt cc chnh sch o to v ch bo him y t hp l cho ton b i ng CBNV Ngn hng. Ngoi ra, Sacombank cng l mt trong s t cc t chc ti chnh xy dng kh hon thin h thng vn bn lp quy vi s cp nht lin tc nhng chnh sch, quyt nh, cng vn, thng bo ca Ngn hng Nh nc v cc c quan ch qun. H thng ny c c th ha thnh cc quy trnh/quy ch nhm m bo hot ng Sacombank lun tun th nghim tc cc quy nh ca Nh nc. Th ba l trch nhim o c: y chnh l nhng quy tc, gi tr c x hi chp nhn nhng cha c m ha vo vn bn lut. Minh bch thng tin hot ng vi nhng bo co ti chnh hng nm t tiu chun c kim ton

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BO CO THNG NIN 2008

NHNG CAM KT I VI CNG NG V X HI

bi Cng ty Kim ton quc t chuyn nghip hng u (PricewaterHouseCoopers) nhm m bo ti a quyn li ca c ng v cc nh u t. Cng trong mc tiu hng ti s minh bch v thng tin, Sacombank dnh Gii nht Cuc bnh chn Bo co thng nin nm 2007 v cc tiu ch: tun th chun mc, minh bch thng tin v sng to trong cch th hin; do S Giao dch Chng khon, bo u t Chng khon v Cng ty Qun l Qu Dragon Capital t chc. Trong hot ng kinh doanh, Ngn hng th hin trch nhim o c bng vic tuyt i khng cp tn dng hay giao dch vi cc c nhn, doanh nghip hot ng trong cc lnh vc sn xut kinh doanh c th to nh hng xu n mi trng v i sng x hi (lm mt m quan th, c gy nhim mi trng, khng m bo an ton lao ng, kinh doanh hng km cht lng). Hn th na, nm 2008, Ngn hng cn ban hnh v qun trit n tng CBNV B quy tc o c ngh nghip, tuy ch mang tnh ni b nhng c tm quan trng rt ln, th hin tnh t ch - t chu trch nhim ca tng c nhn, tng n v trong ton b hot ng nghip v theo chc nng v nhim v c giao. Tt c u phi ph hp vi mc tiu, s mng ca Sacombank. Trch nhim o c l t nguyn nhng li chnh l vn ct li c c bit quan tm trong trch nhim i vi cng ng v x hi ca Sacombank. Cui cng l trch nhim t thin: Vi thc cao v trch nhim x hi, hng nm Sacombank tch cc tham gia

ng h, ti tr nhiu t ng cho cc chng trnh x hi v cc hot ng t thin hng n cng ng: Cp hng ngn sut hc bng gip hc sinh, sinh vin ngho vt kh; t chc gii vit d chy v sc khe cng ng; xy dng nh tnh thng - tnh ngha; gip nn nhn nhim cht c mu da cam v cu tr ng bo b thin tai, hon nn; chia s vi nhng ngi km may mn, t chc nhng sn chi hi thao vui - khe hay ti tr gh ti cc im/ khu vui chi cng cng cho ngi dn t lu tr thnh trch nhim thing ling v nt vn ha p i vi cng ng ca Sacombank. Trong m hnh Trch nhim x hi ca doanh nghip th trch nhim t thin hon ton mang tnh t nguyn, nu khng th hin n mc ny, Sacombank vn c coi l thnh phn p ng cc chun mc m x hi trng i. Tuy nhin, trch nhim ny li l im sng v l nt p t ho ca Sacombank. Trong xu th hi nhp ngy nay, hu ht cc t chc v cc doanh nghip trn th gii ngy cng quan tm nhiu hn ti nh hng ca vic ton cu ha i vi quyn ca ngi lao ng, tnh tun th php lut, vic bo v mi trng v nhng phc li em n cho cng ng. V vy, nhng doanh nghip khng p dng CSR c th s nh mt c hi tip cn th trng quc t. Nhng cam kt i vi x hi v cng ng l nh hng chin lc ang mi ngy c hon thin v l trch nhim hng u ca Sacombank - v mt ngy mai pht trin ca x hi Vit Nam.

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BO CO THNG NIN 2008

10 S KIN TIu BIu

Ngy 08/01/2008, Sacombank tr thnh ngn hng Vit Nam u tin thnh lp Vn phng i din (VPD) Nam Ninh ti Trung Quc. Trong nm 2008, VPD Nam Ninh c gn 2.000 lt t vn thng mi cho cc doanh nghip Trung Quc v Vit Nam. Ngy 19/01/2008, Sacombank cng b ph kn mng li hot ng ti khu vc min Trung, Ty Nguyn v ng Nam B. Tnh n cui nm 2008, Sacombank hin din ti 45/64 tnh thnh trong c nc vi 247 im giao dch, 01 VPD ti Trung Quc v 01 Chi nhnh ti Lo. Ngy 15/3/2008, Sacombank tr thnh Ngn hng Vit Nam u tin a vo s dng Trung tm D liu (Data Center) chuyn bit v t chun quc t. u tin u t vo h thng cng ngh thng tin nhm cung cp cc sn phm dch v hin i v mang tnh cnh tranh cao l chin lc ca Sacombank trong giai on hi nhp. Ngy 16/5/2008, Sacombank l NHTMCP Vit Nam u tin cng b hnh thnh Tp on Ti chnh t nhn. Tuy cha c cc vn bn di Lut hng dn c th nhng vi cc Cng ty trc thuc v cc Cng ty lin doanh - lin kt sn c, Tp on Ti chnh Sacombank bc u pht huy li th v mng li v sn phm dch v a dng, qua cung cp cho th trng cc gii php ti chnh trn gi bi mt u mi. Ngy 26/7/2008, Sacombank t gii nht Cuc bnh chn Bo co thng nin 2007 do S Giao dch chng khon TP HCM (HOSe) phi hp vi Bo u t Chng khon t chc vi s ti tr ca Cng ty Qun l qu Dragon Capital (Anh Quc). Sacombank c cng nhn l t chc nim yt c Bo co thng nin hiu qu nht, qua khng nh li ch ca c ng, nh u t v khch hng lun l mi quan tm hng u ca Ban Lnh o Ngn hng. Ngy 20/8/2008, Sacombank chnh thc tng vn iu l t 4.449 t ng ln 5.116 t ng. Sacombank tip tc l mt trong nhng NHTMCP c quy m vn iu l hng u ti Vit Nam.

40
BO CO THNG NIN 2008

10 S KIN TIu BIu

Ngy 28/11/2008, Sacombank khai trng Cng ty Vng bc qu Ngn hng Si Gn Thng Tn (Sacombank-SBJ), i vo hot ng Sn Giao dch Vng Thn Ti Sacombank v ra mt thng hiu Vng ming Thn Ti Sacombank. S ra i ca Sacombank-SBJ th hin nh hng pht trin ph hp vi nhu cu th trng, cung ng cc gi ti chnh ti u cho cng ng doanh nghip v dn c trn c nc vi cht lng tt nht v gi thnh cnh tranh nht. Ngy 12/12/2008, Sacombank l Ngn hng Vit Nam u tin khai trng Chi nhnh ti nc ngoi: Sacombank - Chi nhnh Lo. Sacombank cng chun b cc th tc cho k hoch khai trng Chi nhnh ti Campuchia vo nm 2009. y c xem l bc ngot trong qu trnh m rng mng li ca Sacombank vi mc tiu to ra mt cu ni trong lnh vc kinh doanh tin t, ti chnh ca khu vc ng Dng. Ngy 21/12/2008, k nim 17 nm ngy thnh lp, Sacombank vinh d n nhn C thi ua ca Th tng Chnh ph v hon thnh xut sc ton din nhim v cng tc v dn u phong tro thi ua ca ngnh ngn hng nm 2007. y l ngun ng lc gip Sacombank tip tc pht huy th mnh v khng nh v tr trong ngnh ngn hng Vit Nam. Trong nm 2008, Sacombank n nhn bn gii thng quc t ca ngnh ti chnh ngn hng: Ngn hng tt nht Vit Nam 2008 do T chc FinanceAsia - Anh Quc bnh chn, Ngn hng tt nht Vit Nam 2008 do T chc Global Finance - M bnh chn, Ngn hng ni a tt nht Vit Nam 2008 do T chc The Asset - Hng Kng bnh chn v Ngn hng bn l ca nm 2008 ti Vit Nam do T chc The Asian Banking and Finance Anh Quc bnh chn. Nm 2008 chng kin nhng bin ng ln ca nn kinh t th gii ni chung v ngnh ti chnh ngn hng ni ring. Tuy nhin, Sacombank vn lun n lc khng ngng khng nh v th thng hiu thng qua s tn nhim ca cc t chc bnh chn trn th gii.

10

41
BO CO THNG NIN 2008

CC BNG KHeN V GII THNG TIu BIu

ng V Bng - Ch tch y ban Chng khon Nh nc (bn tri) chc mng v trao gii nht Cuc bnh chn "Bo co thng nin 2007" cho ng ng Vn Thnh - Ch tch Hi ng Qun tr Sacombank.

1.

C thi ua ca Th tng Chnh ph trao tng cho Sacombank v hon thnh xut sc ton din nhim v v dn u phong tro thi ua ca ngnh ngn hng Vit Nam trong nm 2007. Bng khen ca Th Tng Chnh ph i vi tp th Cn b nhn vin Sacombank trong cc hot ng t thin x hi v cng ng nm 2007. Bng khen ca Th tng Chnh ph i vi tp th Cn b nhn vin Sacombank v thnh tch thc hin tt ngha v np thu nm 2007. Bng khen ca Thng c Ngn hng Nh nc i vi tp th Cn b nhn vin Sacombank v thnh tch xut sc trong vic thc hin cc bin php kim ch lm pht, n nh kinh t v m, p ng nhu cu vn cho pht trin sn xut, bo m an sinh x hi.

2.

3.

4.

42
BO CO THNG NIN 2008

CC BNG KHeN V GII THNG TIu BIu

ng Trn Xun Huy - Tng Gim c Sacombank (bn phi) n nhn gii thng "Ngn hng tt nht Vit Nam 2008" do T chc Global Finance - M bnh chn.

5.

Gii nht Cuc bnh chn Bo co thng nin nm 2007 do S Giao dch chng khon TP HCM v Bo u T Chng Khon t chc vi s ti tr ca Dragon Capital. Top 500 doanh nghip ln nht Vit Nam v doanh thu theo m hnh ca Fortune 500 - da trn kt qu nghin cu v nh gi c lp ca Cng ty c phn Bo co nh gi Vit Nam (Vietnam Report) vi s t vn ca Trng i hc Harvard - M. Gii thng Best Bank in Vietnam 2008 - Ngn hng tt nht Vit Nam 2008 do T chc Global Finance - M bnh chn. Gii thng Best Bank in Vietnam 2008 - Ngn hng tt nht Vit Nam 2008 do T chc FinanceAsia - Anh Quc bnh chn. Gii thng Vietnam Retail Bank of The Year 2008 - Ngn hng bn l ca nm 2008 ti Vit Nam do T chc Asian Banking and Finance - Anh Quc bnh chn.

6.

7.

8.

9.

10. Gii thng The Best Domestic Bank for Vietnam 2008 - Ngn hng ni a tt nht Vit Nam 2008 do T chc The Asset - Hng Kng bnh chn. 11. Gii thng Ngn hng c dch v ngoi hi tt nht Vit Nam 2008 do T chc Global Finance - M bnh chn. 12. Gii thng Ngn hng tt nht Vit Nam trong cho vay cc doanh nghip va v nh nm 2007 do Cng ng cc doanh nghip va v nh Chu u (SMeDF) bnh chn.

43
BO CO THNG NIN 2008

K HOCH KINH DOANH NM 2009

D bo tnh hnh kinh t x hi v ngnh ngn hng nm 2009 Theo d bo, tnh hnh kinh t th gii nm 2009 vn tip tc din bin phc tp, kh lng do cuc khng hong ti chnh v suy thoi kinh t ang ngy mt lan rng ton cu (IMF d bo mc tng trng kinh t th gii nm 2009 l 0,5%). Trong nc, bn cnh nhng hn ch ni ti ca nn kinh t, cuc khng hong cng tc ng ngy cng r nt n nhiu lnh vc, ngnh ngh, c bit l xut nhp khu, u t v du lch. i vi hot ng ngn hng, mi trng kinh doanh y bin ng trong nm 2008 gy khng t kh khn v lm gia tng cc nguy c tim n ri ro, nht l ri ro v thanh khon, ri ro k hn, tnh trng n qu hn tng cao. Mc du bc vo nm 2009, Chnh ph a ra nhiu gii php kch thch kinh t, bc u pht huy tc dng, nhng s phc hi vn cn c thi gian v c bit vi mt nn kinh t da vo xut khu nh nc ta th s phc hi cn l thuc vo s phc hi chung ca nn kinh t th gii. Do , la chn mc tiu pht trin nm 2009 trn c s linh hot, thch ng vi mi bin ng ca nn kinh t va m bo kh nng vt qua kh khn, thch thc; khai thc tt khong trng th trng, tn dng c hi; va duy tr hot ng an ton hiu qu v bn vng l yu cu tt yu t ra cho cc ngn hng hin nay. Mc tiu pht trin hot ng kinh doanh ca Sacombank nm 2009 Nhn thc c iu , Sacombank ra cc gii php v mc tiu chung cho nm 2009 nh sau: Kt hp nhun nhuyn gia hai nhim v cng c v pht trin, m bo hi ha gia hai mc tiu an ton v hiu qu, trong ch trng tng nhanh tng ti sn v vn ch s hu nhm nng cao nng lc ti chnh; pht huy v ci thin nng lc qun tr iu hnh; y nhanh qu trnh ti cu trc mi lnh vc hot ng ca Ngn hng, trong nhanh chng hon thin ti cu trc b my v nh bin nhn s, nng cao cht lng ngun nhn lc; tip tc ti cu trc c ch chnh sch; ti cu trc hot ng kinh doanh v ti cu trc danh mc ti sn v c cu ti chnh; hon thin cng ngh ngn hng v tip tc m rng mng li c trng im chim lnh th trng, tng th phn; trin khai cc sn phm dch v mi v nng cao nng lc qun l ri ro. ng thi hng n mc tiu lu di l: Xy dng Sacombank tr thnh Ngn hng bn l - hin i - a nng v chuyn dn hot ng u t sang cc Cng ty trc thuc nhm chuyn nghip ha kinh doanh v pht huy sc mnh ca Tp on Ti chnh Sacombank. Mt s ch tiu k hoch kinh doanh nm 2009: 1. Vn iu l t hn 6.700 t ng, tng 31% so vi cui nm 2008; 2. Tng ti sn t khong 95.500 t ng, tng hn 41% so vi cui nm 2008; 3. Tng ngun vn huy ng t trn 83.000 t ng, tng khong 42% so vi cui nm 2008; 4. Tng d n cho vay t khng di 50.000 t ng, tng hn 50% so vi cui nm 2008; 5. Li nhun trc thu t 1.600 t ng, tng 47% so vi nm 2008.

44
BO CO THNG NIN 2008

K HOCH KINH DOANH NM 2009

6. Cc ch tiu ti chnh: T l an ton vn (CAR) T l u t ti sn c nh T l gp vn, mua c phn ti a T l cho vay/Tng huy ng T l sinh li/Tng ti sn bnh qun T l sinh li/Vn iu l bnh qun T l n qu hn 10% -12% < 50% < 40% 60% - 70% 1,5% - 2% 20% - 23% <2,5%

Nhn din nhng c hi v ri ro nh hng n hot ng Ngn hng trong nm 2009 Trong bi cnh suy thoi kinh t ton cu cha c du hiu hi phc, nn kinh t trong nc ang i din vi nhiu kh khn, thch thc; Sacombank thc hin k hoch kinh doanh nm 2009 vi nhn thc y cc c hi v thun li c bn sau y: (i) Vi u th v uy tn thng hiu v h thng mng li, cng vi s tin cy ca cc nh u t v h khch hng thn thit gip Sacombank khng nh thm v th ca mnh, to ng lc gp phn vt qua thch thc kh khn trong nm 2008 v s tip tc l im ta vng chc trong nm 2009; K tha, pht huy nhng mt lm c v khc phc nhng im cn hn ch c rt ra t bi hc kinh nghim trong ch o iu hnh kinh doanh nm 2008, l c s vng chc thc hin thnh cng k hoch kinh doanh nm 2009; Trong nm 2008 v cc nm trc, Ngn hng tin hnh ti cu trc cc lnh vc hot ng v s tip tc kt hp thc hin nhun nhuyn trong qu trnh ch o iu hnh kinh doanh to ra tinh thn ch ng sng to hn; Vi ch trng tn dng trit c hi v khong trng ca th trng, dng ngun thu phi tn dng b p cho hot ng tn dng vi nhiu ri ro trong bi cnh kinh t kh khn s c pht huy mt cch trit ; nh bin nhn s kt hp vi o to tng cng cht lng ngun nhn lc, nng cao nng sut lao ng v gio dc o c ngh nghip cho Cn b nhn vin; Nhanh chng hin i ha cng ngh ngn hng trong nm 2009; Tng cng cng tc qun l ri ro tp trung v y mnh cng tc t kim tra chn chnh ni b l ba nn tng rt quan trng phng nga ri ro nhm m bo Sacombank hot ng an ton, v pht trin bn vng, hiu qu trong nm 2009 v cc nm tip theo.

(ii)

(iii) (iv) (v)

Bn cnh nhng c hi v thun li nu trn, Sacombank d bo v nhn din cc ri ro, thch thc trong qu trnh thc hin k hoch kinh doanh nm 2009 nhm ra cc gii php tnh hung i ph, l: (i) Nn kinh t ang i din vi gim pht v nguy c lm pht c th quay tr li s tim n v ri ro thanh khon, ri ro k hn v ri ro t gi, k c ri ro v nim tin i vi h thng ngn hng. Sacombank s pht huy nhng kinh nghim i ph ri ro trong nm va qua, tng cng cng tc d bo v bm st din bin ca th trng t chc iu hnh kinh doanh an ton, hiu qu v n nh; S thm thu kh khn trong nm 2008 i vi hot ng sn xut kinh doanh ca cc doanh nghip s l nguy c pht sinh n qu hn v c cu li cc khon vay. Sacombank tch ly nhiu kinh nghim v ngn chn v x l n qu hn trong nm 2008 tip tc pht huy hn na trong nm 2009 v nhng nm tip theo; Th trng chng khon cha c du hiu hi phc, th trng bt ng sn c th khi sc vi phn khc khch hng c thu nhp thp nhng cha bn vng s tc ng nht nh n hot ng kinh doanh ngnh ngn hng. Do vy, Sacombank s ht sc thn trng trong ti tr v u t vo cc lnh vc ny.

(ii)

(iii)

Pht huy ni lc, cng vi nhn thc y v c hi, thch thc v trch nhim ca mt Ngn hng nim yt, Sacombank quyt tm hon thnh vt mc v ton din k hoch kinh doanh nm 2009 ra vi tt c nim tin v tinh thn cn trng cao nht.

45
BO CO THNG NIN 2008

S T CHC

I HI NG C NG

HI NG QUN TR

BAN KIM SOT CC HI NG V CC Y BAN (*) VN PHNG HI NG QUN TR

B phn Kim ton ni b

TNG GIM C

BAN IU HNH

Phng Nhn s Trung tm o to Phng u t Phng K hoch Phng Chnh sch Phng Ti chnh k ton

KHI IU HNH

KHI TIN T

Phng Kinh doanh vn Phng Kinh doanh ngoi hi Phng Sn phm tin t Trung tm Kinh doanh tin t pha Bc Phng Phn tch ng dng Phng Pht trin ng dng Phng K thut h tng Trung tm D liu

KHI CNG NGH THNG TIN

KHI GIM ST

Phng Kim tra kim sot ni b Phng Qun l ri ro Phng Thm nh

KHI DOANH NGHIP

Phng Tip th v pht trin sn phm Doanh nghip Phng Thanh ton quc t Phng nh ch ti chnh

KHI C NHN

Phng Tip th C nhn Phng Sn phm C nhn

KHI H TR

Phng Hnh chnh qun tr Phng Xy dng c bn Phng Ngn qu v thanh ton Phng i ngoi

TRUNG TM TH

KHU VC

Vn phng khu vc

Chi nhnh/S Giao dch

Cc Cng ty trc thuc (Sacombank-SBA, Sacombank-SBR, Sacombank-SBL, Sacombank-SBS, Sacombank-SBJ)

(*) Cc Hi ng bao gm: Hi ng Thi ua cao cp, Hi ng X l ri ro tn dng, Hi ng o to, Hi ng Tn dng, Hi ng u t ti sn, Hi ng u t ti chnh...

46
BO CO THNG NIN 2008

Cc Ban/y ban bao gm: y ban Qun l ri ro, y ban Nhn s, y ban Chin lc v cc chnh sch pht trin, y ban Th lao v i ng, Ban Ch o X l khng hong, Ban Ch o Ngn chn v x l n qu hn, Ban Ch o Hin i ha cng ngh Ngn hng, Ban Ti cu trc Ngn hng...

TP ON TI CHNH SACOMBANK

Ngy 16/05/2008, Sacombank chnh thc cng b hnh thnh Tp on Ti chnh (TTC) vi s tham gia hot ng ca mi mt thnh vin trong Sacombank l ht nhn iu phi hot ng ca ton Tp on. y c xem l mt bc ngot quan trng trong lch s 17 nm hnh thnh v pht trin ca Ngn hng. Cng ty thnh vin: 1. Cng ty Qun l n v khai thc ti sn Ngn hng Si Gn Thng Tn (Sacombank-SBA); 2. Cng ty Kiu hi Ngn hng Si Gn Thng Tn (Sacombank-SBR); 3. Cng ty Cho thu ti chnh Ngn hng Si Gn Thng Tn (Sacombank-SBL); 4. Cng ty Chng khon Ngn hng Si Gn Thng Tn (Sacombank-SBS); 5. Cng ty Vng bc qu Ngn hng Si Gn Thng Tn (Sacombank-SBJ). Cng ty thnh vin hp tc chin lc: 1. Cng ty c phn Qun l qu u t Vit Nam (VFM); 2. Cng ty c phn u t Si Gn Thng Tn (STI); 3. Cng ty c phn Xut nhp khu Tn nh (Tadimex); 4. Cng ty c phn u t Kin trc Xy dng Ton Thnh Pht (TTP); 5. Cng ty c phn a c Si Gn Thng Tn (Sacomreal).

Trng tm hng u trong nm 2008 l n nh t chc, hon thin th ch v xy dng chin lc pht trin, to dng nn mng cho hot ng ca Tp on trong tng lai. Sau hn su thng hot ng, TTC Sacombank tng bc khng nh vai tr ca mnh thng qua nhng kt qu ban u c th: V t chc v th ch: Xy dng hon chnh quy ch t chc, hot ng ca b my vn hnh Tp on v d tho bng phn cng cng vic ca Hi ng Ch tch Tp on. Ngoi ra, d tho Quy ch chng xung t quyn li gia cc Thnh vin trong Tp on cng ang trong qu trnh nghin cu son tho. V k hoch chin lc: D tho k hoch chin lc ca Tp on n nm 2020 vi nh hng hot ng theo cc ch tiu nh tnh v nh lng c th c hon thin v thng qua. V qun l ri ro: Trong nm 2008, hot ng ny c thc hin hiu qu thng qua cc bo co v nhng vn cn c quan tm chn chnh ti cc Cng ty thnh vin, ng thi a ra cc t vn hp l v c cu t chc b my hot ng v h thng vn bn lp quy ca cc Cng ty thnh vin. V nhn s: Mc d mt s v tr vn kim nhim nhng ngun nhn s cp cao Tp on i vo n nh v bc u hot ng c hiu qu. V thng hiu v qung b thng hiu: B chun thng hiu Tp on c ban hnh nhm p dng cho tt c cc Cng ty thnh vin. Trong nm 2009, hot ng qung b thng hiu Tp on s c y mnh trong ni b cng nh thng qua cc phng tin thng tin i chng trn tinh thn tit kim chi ph nhng vn m bo tnh hiu qu.

V hp tc u t v bn cho sn phm: Sau khi Bin bn ghi nh v cam kt hp tc, gn kt li th cnh tranh v y mnh bn cho sn phm nhm pht huy sc mnh tng th ca ton Tp on c k kt, Sacombank v Sacombank-SBL thc hin hp tc bn cho sn phm vi 15 hp ng c thc hin v tng s tin gii ngn l 110 t ng. Trong thi gian ti, cng tc bn cho sn phm, hp tc u t d n s c tng cng v thc hin xuyn sut trn ton h thng Tp on thng qua vic tn dng trit sc mnh tng hp ca cc Thnh vin; t cung cp nhng gi sn phm dch v ti chnh a dng v tin ch ph hp vi nhu cu ca cc khch hng. V t chc Hi ngh, ta m trao i thng tin, nghip v: Trong nm 2008, Tp on t chc rt nhiu cc Hi ngh ni b v nhng ch thit thc mang tnh nh hng chin lc vi din gi l cc v Lnh o cp cao v cc v C vn cp cao ca Tp on. ng thi, gia cc Cng ty thnh vin cng c nhng bui ta m trao i thng tin v nghip v ln nhau nhm nng cao kh nng hp tc v tng cng cht lng dch v cung cp cho khch hng. Trong nm 2009, mc d s phi i mt vi rt nhiu kh khn do nhng bin ng ca tnh hnh kinh t th gii, tuy nhin TTC Sacombank s vn tip tc hot ng theo ng nh hng chin lc ra t nhng ngy u thnh lp: (1) Hp tc nng cao nng lc cnh tranh, tng cng hiu qu hot ng ca ton nhm cc Thnh vin trong Tp on; (2) Khai thc li th cnh tranh, thng hiu ca tng Thnh vin cng nh ca c Tp on; (3) Pht trin An ton - Hiu qu - Bn vng v Hi nhp quc t theo hng hot ng hin i, a nng.

TTC Sacombank hot ng di s ch o chin lc ca Hi ng Ch tch Tp on v trch nhim iu phi ca y ban iu hnh Tp on cng vai tr t vn ca Hi ng C vn cp cao v nhim v tham mu ca cc y ban Chuyn trch.

47
BO CO THNG NIN 2008

B My VN HNH TP ON TI CHNH SACOMBANK

HI NG CH TCH TP ON

HI NG C VN CP CAO

VN PHNG TP ON

Y BAN KIM TON V QUN L RI RO

Y BAN K HOCH V CHIN LC

Y BAN IU HNH TP ON

Y BAN HP TC

Y BAN NHN S V NGN SCH

CC CNG TY THNH VIN

CC CNG TY THNH VIN TRC THUC

CC CNG TY THNH VIN HP TC CHIN LC

Cng ty Qun l n v khai thc ti sn Ngn hng Si Gn Thng Tn (Sacombank-SBA)

Cng ty Kiu hi Ngn hng Si Gn Thng Tn (Sacombank-SBR)

Cng ty c phn Qun l qu u t Vit Nam

Cng ty c phn u t Kin trc Xy dng Ton Thnh Pht

Cng ty Cho thu ti chnh Ngn hng Si Gn Thng Tn (Sacombank-SBL)

Cng ty Chng khon Ngn hng Si Gn Thng Tn (Sacombank-SBS)

Cng ty c phn u t Si Gn Thng Tn

Cng ty c phn a c Si Gn Thng Tn

Cng ty Vng bc qu Ngn hng Si Gn Thng Tn (Sacombank-SBJ)

Cng ty c phn Xut nhp khu Tn nh

48
BO CO THNG NIN 2008

CH TIu TI CHNH NI BT (Da trn Bo co ring ca Ngn hng)

THI IM CUI NM Tng ti sn (t ng) Vn ch s hu (t ng) Trong vn iu l (t ng) Tng ngun vn huy ng (t ng) (*) D n cho vay (t ng) Mng li hot ng (s lng im giao dch) Tng s cn b nhn vin (ngi)

2008 67.469 7.638 5.116 58.635 33.708 247 6.016

2007 63.364 7.181 4.449 54.791 34.317 207 5.419

2006 24.764 2.804 2.089 21.514 14.539 159 3.806

2005 14.456 1.882 1.250 12.272 8.425 103 2.654

2004 10.395 965 740 9.176 5.986 90 1.865

2003 7.304 645 505 6.354 4.715 75 1.488

2002 4.296 352 272 3.737 3.253 55 1.063

C NM Tng doanh thu Tng chi ph Li nhun trc thu Li nhun sau thu Thu nhp trn mi c phiu (ePS) (**) (ng/ c phiu) 8.377 7.286 1.091 973,3 1.869 4.537 3.085 1.452,1 1.280,2 2.732 1.996 1.452 543,3 407,9 2.226 1.209 903 306,1 234,4 2.425 836 638 198 151,2 N.A

vt: t ng 618 493 125,1 90,2 N.A 347 268 79,2 53,9 N.A

CH S TI CHNH T l an ton vn (CAR) (ti thiu 8%) D n cho vay/Tng ti sn D n cho vay/Ngun vn huy ng T l n xu/Tng d n T l n qu hn/Tng d n Thu nhp phi tn dng/Tng thu nhp hot ng Chi ph iu hnh/Tng chi ph Ti sn c sinh li/Tng ti sn Li nhun sau thu/Vn ch s hu bnh qun (ROe) Li nhun sau thu/Tng ti sn bnh qun (ROA) 12,16% 50% 57% 0,62% 0,996% 57% 15% 82% 13,14% 1,49% 11,07% 54% 63% 0,24% 0,39% 51% 23% 85% 25,64% 2,91% 11,82% 59% 68% 0,72% 0,95% 33% 27% 79% 17,41% 2,08% 15,40% 58% 69% 0,55% 0,88% 30% 28% 81% 16,47% 1,89% 1,07% 31% 29% 84% 18,78% 1,71% 0,56% 26% 28% 86% 18,09% 1,55% 10,49% 58% 65% 10,06% 65% 74%

vt: % 8,37% 77% 86% 0,57% 15% 30% 87% 18,31% 1,45%

(*) Tng ngun vn huy ng bao gm vn vay Ngn hng Nh nc, vay T chc tn dng khc, vn ti tr y thc, tng huy ng vn t khch hng v tin gi h khch hng (khng tnh vay t thu ti chnh); (**) Theo quy nh ca Chun mc K ton Vit Nam th EPS phi da trn bo co hp nht. EPS ca nm 2007 c iu chnh li do trong nm 2008, Ngn hng thc hin vic chia c tc bng c phiu nn phi iu chnh li s lng c phiu lu hnh bnh qun ca nm 2007 theo ng qui nh.

49
BO CO THNG NIN 2008

HNG N

hp TC LU BN

mc tiu

50
BO CO THNG NIN 2008

51
BO CO THNG NIN 2008

THNG TIN V NGN HNG

Giy php hot ng s

0006/NH-GP ngy 05 thng 12 nm 1991 Giy php do Ngn hng Nh nc Vit Nam (NHNN) cp. Thi hn hot ng ca Ngn hng l 50 nm k t ngy ca giy php u tin.

Hi ng Qun tr: ng ng Vn Thnh B Hunh Qu H ng Nguyn Chu ng Dominic Scriven ng John Law ng Trn Vn Ngc B Nguyn Th Mai Thanh ng ng Hng Anh ng Bi Thanh Hi ng Phm Duy Cng ng Colin Simon Mansbridge ng Hunh Ph Kit Ban Kim sot: ng Nguyn Tn Thnh ng L Vn Tng ng Don B Tng Ban Tng Gim c: ng Trn Xun Huy ng H Xun Nghim ng Hong Khnh Sinh B Nguyn Th Thanh Mai ng Lu Hunh ng To Thnh Danh ng Nguyn Minh Tm ng Nguyn Vn Thnh ng T Thanh Hong ng o Nguyn V ng Bi Vn Dng ng John Hing Vong HOT NG CHNH Cc hot ng chnh ca Ngn hng thng mi c phn Si Gn Thng Tn (Ngn hng) l huy ng vn ngn, trung v di hn theo cc hnh thc tin gi tit kim, tin gi thanh ton, chng ch tin gi; tip nhn vn y thc u t; nhn vn t cc t chc tn dng trong v ngoi nc; cho vay ngn, trung v di hn; chit khu thng phiu, cng tri v cc giy t c gi; u t vo cc t chc kinh t; lm dch v thanh ton gia cc khch hng; kinh doanh ngoi t, vng bc; thanh ton quc t, u t chng khon; cung cp cc dch v v u t, cc dch v v qun l n v khai thc ti sn, cung cp cc dch v Ngn hng khc. Tr s chnh Kim ton vin 266-268 Nam K Khi Ngha, Qun 3, Thnh ph H Ch Minh Cng ty TNHH PricewaterhouseCoopers (Vit Nam) Tng Gim c Ph Tng Gim c th nht Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c (t nhim ngy 05 thng 3 nm 2008) Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c (b nhim ngy 01 thng 4 nm 2008) Ph Tng Gim c (b nhim ngy 04 thng 11 nm 2008) Trng ban Thnh vin Thnh vin Ch tch Ph Ch tch th nht Ph Ch tch Thnh vin Thnh vin Thnh vin (t nhim ngy 17 thng 3 nm 2008) Thnh vin Thnh vin Thnh vin (t nhim ngy 17 thng 3 nm 2008) Thnh vin Thnh vin (b nhim ngy 17 thng 3 nm 2008) Thnh vin (b nhim ngy 17 thng 3 nm 2008)

52
BO CO THNG NIN 2008

TRCH NHIM CA BAN TNG GIM C I VI CC BO CO TI CHNH HP NHT

Ban Tng Gim c chu trch nhim lp cc bo co ti chnh hp nht trnh by trung thc v hp l tnh hnh ti chnh ca Tp on ti ngy 31 thng 12 nm 2008 v kt qu hot ng kinh doanh v lu chuyn tin t ca nm ti chnh kt thc ngy . Trong vic son lp cc bo co ti chnh hp nht ny, Ban Tng Gim c c yu cu phi: chn la cc chnh sch k ton ph hp v p dng chng mt cch nht qun; thc hin cc phn on v c lng mt cch hp l v thn trng; v son lp cc bo co ti chnh hp nht trn c s doanh nghip hot ng lin tc tr khi vic nhn nh khng thch hp cho l Tp on s tip tc hot ng.

Chng ti, Ban Tng Gim c chu trch nhim bo m rng cc s sch k ton ng n c thit lp v duy tr th hin tnh hnh ti chnh ca Tp on vi chnh xc hp l ti mi thi im v lm c s son lp cc bo co ti chnh hp nht ph hp vi ch k ton c nu Thuyt minh s 2 cho cc bo co ti chnh hp nht. Ban Tng Gim c chu trch nhim bo m vic tun th cc Chun mc K ton Vit Nam v cc qui nh hin hnh p dng cho Ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN Vit Nam. Ban Tng Gim c cng chu trch nhim i vi vic bo v cc ti sn ca Tp on v thc hin cc bin php hp l phng nga v pht hin cc gian ln v cc sai qui nh khc.

pH CHUN CC BO CO TI CHNH Hp NHT

Theo y, chng ti ph chun cc bo co ti chnh hp nht nh km t trang 56 n trang 103. Cc bo co ti chnh hp nht ny trnh by trung thc v hp l tnh hnh ti chnh ca Tp on ti ngy 31 thng 12 nm 2008 v kt qu hot ng kinh doanh v lu chuyn tin t ca Tp on cho nm ti chnh kt thc vo thi im , ph hp vi cc Chun mc K ton Vit Nam v cc qui nh hin hnh p dng cho Ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN Vit Nam. Thay mt Ban Tng Gim c

__________________________________ Trn Xun Huy Tng Gim c TP H Ch Minh, nc CHXHCN Vit Nam Ngy 06 thng 3 nm 2009

53
BO CO THNG NIN 2008

BO CO KIM TON C LP
GI CC C NG CA NGN HNG THNG MI C PHN SI GN THNG TN

Chng ti kim ton cc bo co ti chnh hp nht ca Ngn hng thng mi c phn Si Gn Thng Tn (Ngn hng) v cc Cng ty con (Ngn hng v cc Cng ty con gi chung l Tp on) gm: Bng cn i k ton hp nht ti ngy 31 thng 12 nm 2008, Bo co kt qu hot ng kinh doanh hp nht, Bo co lu chuyn tin t hp nht ca nm ti chnh kt thc vo ngy nu trn, v bng tm tt cc chnh sch k ton ch yu cng cc thuyt minh.

Trch nhim ca Ban Tng Gim c i vi cc Bo co ti chnh hp nht

Ban Tng Gim c ca Ngn hng chu trch nhim son lp v trnh by hp l cc Bo co ti chnh hp nht ny theo cc Chun mc K ton Vit Nam v cc quy nh hin hnh p dng cho cc ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN Vit Nam. Trch nhim ny bao gm: thit k, thc hin v duy tr h thng kim sot ni b quan h ti vic son lp v trnh by hp l cc Bo co ti chnh hp nht cc Bo co ti chnh hp nht khng b sai phm trng yu do gian ln hoc sai st; chn la v p dng cc chnh sch k ton thch hp; v thc hin cc c tnh k ton hp l i vi tng trng hp.

Trch nhim ca Kim ton vin

Trch nhim ca chng ti l a ra kin v cc Bo co ti chnh hp nht ny cn c vo vic kim ton ca chng ti. Chng ti thc hin cng vic kim ton theo cc Chun mc Kim ton Vit Nam. Cc chun mc yu cu chng ti phi tun th cc tiu ch o c ngh nghip, lp k hoch v thc hin vic kim ton t c s m bo hp l rng liu cc Bo co ti chnh c sai st trng yu hay khng. Cuc kim ton bao hm vic thc hin cc th tc kim ton nhm thu c cc bng chng v cc s liu v thuyt minh trong cc Bo co ti chnh hp nht. Nhng th tc kim ton c chn la ph thuc vo phn on ca kim ton vin, k c nh gi ri ro cc Bo co ti chnh hp nht b sai st trng yu do gian tr hoc b li. Trong vic nh gi cc ri ro , kim ton vin xem xt h thng kim sot ni b quan h ti vic Ngn hng son lp v trnh by hp l cc Bo co ti chnh hp nht thit k cc th tc kim ton thch hp cho tng trng hp, nhng khng nhm mc ch a ra kin v tnh hu hiu ca h thng kim sot ni b ca Tp on. Cuc kim ton cng bao gm vic nh gi tnh thch hp ca cc chnh sch k ton c p dng v tnh hp l ca cc c tnh k ton m Ban Tng Gim c thc hin, cng nh nh gi cch trnh by tng th cc Bo co ti chnh hp nht. Chng ti tin rng cc bng chng m chng ti thu c v thch hp lm c s chng ti a ra kin kim ton.

54
BO CO THNG NIN 2008

BO CO KIM TON C LP
GI CC C NG CA NGN HNG THNG MI C PHN SI GN THNG TN

kin
Theo kin ca chng ti, xt trn mi phng din trng yu, cc Bo co ti chnh hp nht th hin trung thc v hp l tnh hnh ti chnh ca Tp on ti ngy 31 thng 12 nm 2008 cng nh kt qu kinh doanh v cc dng lu chuyn tin t ca Tp on trong nm ti chnh kt thc vo ngy nu trn, ph hp vi cc Chun mc K ton Vit Nam v cc quy nh hin hnh p dng cho cc ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN Vit Nam.

Ian S. Lydall S chng ch KTV: N.0559/KTV Ch k c y quyn Cng ty TNHH PricewaterhouseCoopers (Vit Nam) TP H Ch Minh, nc CHXHCN Vit Nam Bo co kim ton s HCM2162 Ngy 10 thng 3 nm 2009

Nguyn Hong Nam S chng ch KTV: 0849/KTV

Nh nu trong thuyt minh 2.1 cho cc Bo co ti chnh hp nht, cc Bo co ti chnh hp nht km theo l khng nhm th hin tnh hnh ti chnh, kt qu hot ng kinh doanh v lu chuyn tin t theo cc nguyn tc v thng l k ton c tha nhn cc nc v cc th ch khc ngoi nc CHXHCN Vit Nam, v hn na, cng khng dnh cho nhng ngi s dng no khng bit cc nguyn tc, cc th tc v cch thc hnh k ton Vit Nam.

55
BO CO THNG NIN 2008

BNG CN I K TON HP NHT

Mu S B 02/TCTD - HN

Ghi ch A I II III IV 1 2 V VI 1 2 VII 1 2 3 2 3 4 5 IX 1 2 3 XI TI SN Tin mt v kim loi qu Tin gi ti Ngn hng Nh nc Tin. vng gi ti cc t chc tn dng khc v cho vay cc t chc tn dng khc Chng khon kinh doanh Chng khon kinh doanh Tr: d phng gim gi chng khon kinh doanh Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Cho vay v cho thu ti chnh khch hng Cho vay v cho thu ti chnh khch hng Tr: D phng ri ro cho vay v cho thu ti chnh khch hng Chng khon u t Chng khon u t sn sng bn Chng khon u t gi n ngy o hn Tr: D phng gim gi chng khon u t Vn gp lin doanh u t vo cng ty lin kt u t di hn khc Tr: D phng gim gi u t di hn Ti sn c nh Ti sn c nh hu hnh Ti sn c nh thu ti chnh Ti sn c nh v hnh Ti sn khc TNG CNG TI SN 13 15 14 16 10.1 10.2 10.1 11 11 12 12 8 9 6 6 7 3 4 5

Ti ngy 31 thng 12 2008 2007 Triu ng Triu ng

8.458.614 3.224.539 7.047.583 475.278 (105.173) 6.928 35.008.871 (251.752) 8.193.626 915.090 (139.142) 74.803 61.021 1.168.632 (50.195) 912.282 23.709 760.297 2.653.558 68.438.569

3.335.063 3.878.785 4.656.456 4.155.081 (13.012) 4.911 35.378.147 (177.573) 7.249.397 1.927.916 (3.512) 130.630 80.652 1.284.326 590.400 22.831 406.582 1.665.795 64.572.875

VIII Gp vn. u t di hn

Cc thuyt minh t trang 61 n trang 103 l mt phn cu thnh cc bo co ti chnh hp nht ny.

56
BO CO THNG NIN 2008

BNG CN I K TON HP NHT (tip theo)

Mu S B 02/TCTD - HN

Ghi ch B I II III V VI VII N pHI TR V VN CH S HU Cc khon n Chnh ph v Ngn hng Nh nc Tin gi v vay cc t chc tn dng khc Tin gi ca khch hng Vn ti tr. y thc u t. cho vay cc t chc tn dng chu ri ro Chng ch tin gi v pht hnh tri phiu Cc khon n khc TNG N pHI TR VIII VN V CC QU Vn v cc qu ca ch s hu Ngn hng m 1 2 5 Vn Cc qu d tr Li nhun cha phn phi TNG VN CH S HU TNG N pHI TR V VN CH S HU CC CAM KT V N TIM TNG 42 23 24 24 17 18 19 20 21 22

Ti ngy 31 thng 12 2008 2007 Triu ng Triu ng

52.161 4.488.354 46.128.820 1.014.462 7.659.063 1.337.085 60.679.945

750.177 4.508.977 44.231.944 1.003.293 5.197.380 1.531.445 57.223.216

5.977.578 796.706 984.340 7.758.624 68.438.569 11.580.910

5.662.485 452.645 1.234.529 7.349.659 64.572.875 9.533.232

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

___________________________ Trn Xun Huy Tng Gim c Ngy 06 thng 3 nm 2009

Cc thuyt minh t trang 61 n trang 103 l mt phn cu thnh cc bo co ti chnh hp nht ny.

57
BO CO THNG NIN 2008

BO CO KT Qu HOT NG KINH DOANH HP NHT

Mu S B 03/TCTD - HN

Ghi ch 1 2 I 3 4 II III IV V 5 6 VI Thu nhp li v cc khon thu nhp tng t Chi ph li v cc chi ph tng t Thu nhp li thun Thu nhp t hot ng dch v Chi ph hot ng dch v Li thun t hot ng dch v Li thun t hot ng kinh doanh ngoi hi v vng Li thun t mua bn chng khon kinh doanh (L)/Li thun t mua bn chng khon u t Thu nhp t hot ng khc Chi ph hot ng khc Li thun t hot ng khc 34 35 30 32 33 36 36 28 29 26 27

Nm kt thc ngy 31 thng 12 2008 2007 Triu ng Triu ng 7.161.082 (6.014.414) 1.146.668 672.016 (109.667) 562.349 510.041 86.856 (88.253) 126.711 (10.502) 116.209 120.089 (1.269.935) 1.184.024 3.383.002 (2.231.130) 1.151.872 291.083 (97.685) 193.398 100.815 599.873 208.599 6.050 (2.514) 3.536 183.490 (741.225) 1.700.358 (118.387) 1.581.971 (184.074) (184.074) 1.397.897 VND/c phiu 2.732

VII Thu nhp t gp vn. mua c phn v thu nhp c tc VIII Chi ph qun l chung IX Li nhun thun t hot ng kinh doanh trc chi ph d phng ri ro tn dng Chi ph d phng ri ro tn dng Tng li nhun trc thu Chi ph thu TNDN hin hnh Chi ph thu TNDN hon li Chi ph thu TNDN

X XI 7 8 XII

9. 22.1

(74.097) 1.109.927

38 38

(155.174) (155.174) 954.753

XIII Li nhun sau thu Li trn c phiu qui cho cc c ng ca Ngn hng m - Li c bn trn c phiu 25

VND/c phiu 1.869

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

___________________________ Trn Xun Huy Tng Gim c Ngy 06 thng 3 nm 2009

Cc thuyt minh t trang 61 n trang 103 l mt phn cu thnh cc bo co ti chnh hp nht ny.

58
BO CO THNG NIN 2008

BO CO Lu CHuyN TIN T HP NHT

(Theo phng php gin tip) Mu S B 04/TCTD - HN

Nm kt thc ngy 31 thng 12 2008 2007 Triu ng Triu ng LU CHUyN TIN T HOT NG KINH DOANH 01 02 03 04 05 06 08 Li nhun trc thu iu chnh cho cc khon: Khu hao ti sn c nh D phng ri ro tn dng, gim gi u t tng thm trong nm Li v ph phi thu Li v ph phi tr (Li)/L do thanh l ti sn c nh Li/(L) do thanh l cc khon u t, gp vn di hn vo n v khc, li, c tc nhn c, li nhun c chia t hot ng u t, gp vn di hn LI NHUN T HOT NG KINH DOANH TRC NHNG THAy I CA TI SN V CNG N HOT NG Thay i ti sn hot ng 11 12 13 14 15 17 18 19 20 22 23 24 25 Gim/(Tng) tin,vng gi v cho vay cc t chc tn dng khc Gim/(Tng) v kinh doanh chng khon Tng cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Gim/(Tng) cho vay khch hng Gim li, ph phi thu Tng khc v ti sn hot ng Thay i cng n hot ng (Gim)/Tng n Chnh ph v Ngn hng Nh nc Vit Nam (Gim)/Tng tin gi v vay cc t chc tn dng Tng tin gi ca khch hng Tng vn ti tr, y thc u t, cho vay m cc t chc tn dng chu ri ro Tng pht hnh giy t c gi v tri phiu Gim li, ph phi tr (Gim)/Tng khc v cng n hot ng LU CHUyN TIN THUN T HOT NG KINH DOANH TRC THU THU NHp DOANH NGHIp 26 27 Thu thu nhp doanh nghip np Chi t cc qu ca Tp on LU CHUyN TIN THUN T HOT NG KINH DOANH (698.016) (26.071) 1.896.876 11.169 2.461.683 (225.132) (422.478) 643.177 3.685.958 26.720.364 628.625 2.668.081 (103.991) 583.590 2.501.519 3.809.780 (2.017) 368.916 453.009 (497.405) (2.812.714) (10.977.012) (3.851) (20.989.516) 12.919 (373.079) 82.874 352.082 (468.583) 507.535 (94.828) 47.550 134.911 (450.464) 419.955 1.132 1.109.927 1.581.971

(234.087)

(392.089)

1.254.920

1.342.966

10.886.753 (208.679) (193.559) 10.484.515

1.025.517 (133.739) (81.613) 810.165

Cc thuyt minh t trang 61 n trang 103 l mt phn cu thnh cc bo co ti chnh hp nht ny.

59
BO CO THNG NIN 2008

BO CO Lu CHuyN TIN T HP NHT

(Theo phng php gin tip) (tip theo) Mu S B 04/TCTD - HN

Nm kt thc ngy 31 thng 12 2008 2007 Triu ng Triu ng LU CHUyN TIN T HOT NG U T 01 02 03 07 08 09 II Mua sm ti sn c nh Tin thu t thanh l ti sn c nh Tin chi t thanh l ti sn c nh Tin chi u t, gp vn vo cc n v khc Tin thu t thanh l cc khon u t, gp vn vo cc n v khc v cc khon u t di hn khc Thu c tc v li nhun c chia LU CHUyN TIN THUN T HOT NG U T LU CHUyN TIN T HOT NG TI CHNH 01 04 05 III IV V VII Tin thu do pht hnh c phiu C tc tr cho cc c ng bng tin mt Mua c phiu qu LU CHUyN TIN THUN T HOT NG TI CHNH TNG TIN V CC KHON TNG NG TIN TIN V CC KHON TNG NG TIN TI NGy 1 THNG 1 TIN V CC KHON TNG NG TIN TI NGy 31 THNG 12 Tin v cc khon tng ng tin gm c: Tin v kim loi qu Tin gi ti Ngn hng Nh nc Tin gi cc t chc tn dng khc 8.458.614 3.224.539 6.366.570 18.049.723 3.335.063 3.878.785 1.473.740 8.687.588 (458) (351.924) (352.382) 9.362.135 8.687.588 3.163.073 (44) 3.163.029 3.217.017 5.470.571 (1.204.482) 157.231 (16.233) 151.976 141.510 (769.998) (405.376) 1.680 (2.812) (812.200) 310.604 151.927 (756.177)

18.049.723

8.687.588

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

___________________________ Trn Xun Huy Tng Gim c Ngy 06 thng 3 nm 2009

Cc thuyt minh t trang 61 n trang 103 l mt phn cu thnh cc bo co ti chnh hp nht ny.

60
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

C IM HOT NG
Ngn hng thng mi c phn Si Gn Thng Tn (sau y gi tt l Ngn hng) l mt ngn hng thng mi c phn Vit Nam ng k ti nc Cng ha X hi Ch ngha Vit Nam. Ngn hng c Ngn hng Nh nc Vit Nam (NHNN) cp giy php hot ng s 0006/NH-GP ngy 05 thng 12 nm 1991. Giy php hot ng c cp cho thi hn hot ng l 50 nm vi vn iu l ban u l 3.000 triu ng Vit Nam. Ngn hng bt u hot ng t ngy 21 thng 12 nm 1991. Vn iu l ca Ngn hng ti ngy 31 thng 12 nm 2008 l 5.115.831 triu ng. Hi s chnh ca Ngn hng t ti s 266-268 Nam K Khi Ngha, Qun 3, Thnh ph H Ch Minh. Ngn hng c mt Hi s, hai S Giao dch, 64 Chi nhnh (bao gm mt Chi nhnh ti Lo), 180 Phng giao dch trn c nc v mt vn phng i din ti Trung Quc. Ti ngy 31 thng 12 nm 2008, Ngn hng c cc Cng ty con, Cng ty lin kt v Cng ty lin doanh nh sau: T l phn vn s hu trc tip bi Ngn hng (%) T l phn vn s hu gin tip qua Cng ty con (%)

Giy php hot ng Cng ty con Cng ty Qun l n v khai thc ti sn Ngn hng Si Gn Thng Tn

Lnh vc kinh doanh

Tng t l phn vn s hu (%)

4104000053

Qun l ti sn

100%

0%

100%

Cng ty Cho thu ti chnh 04/GP-NHNN Ngn hng Si Gn Thng Tn Cng ty Chng khon 4104000197 Ngn hng Si Gn Thng Tn

Hot ng cho thu Hot ng chng khon

100% 100% 100% 100%

0% 0% 0% 0%

100% 100% 100% 100%

Cng ty Kiu hi Ngn hng 90/Q-NHNN Hot ng Si Gn Thng Tn kiu hi Cng ty Vng bc qu 4104003812 Ngn hng Si Gn Thng Tn Sn xut, gia cng v mua bn vng v cc kim loi qu khc

Cng ty lin kt Cng ty c phn u t Si Gn Thng Tn

4103006689

Qun l cc hot ng u t

11%

15%

26%

Cng ty lin doanh Cng ty Qun l qu u t 01/GPT Vit Nam uBCKNN 58/ Q-uBCK

Qun l qu u t

51%

0%

51%

Ti ngy 31 thng 12 nm 2008, Ngn hng c 6.016 nhn vin (2007: 5.419 nhn vin).

61
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

TM TT CC CHNH SCH K TON CH yU

Di y l cc chnh sch k ton ch yu c p dng lp cc Bo co ti chnh hp nht.

2.1

C s ca vic son tho cc Bo co ti chnh hp nht Cc Bo co ti chnh hp nht c son lp theo quy c gi gc v ph hp vi cc Chun mc K ton Vit Nam v cc qui nh hin hnh p dng cho cc ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN Vit Nam. Do cc Bo co ti chnh hp nht km theo khng nhm vo vic trnh by tnh hnh ti chnh, kt qu kinh doanh v lu chuyn tin t ph hp vi cc th ch khc ngoi nc CHXHCN Vit Nam. Cc nguyn tc v thc hnh k ton s dng ti nc CHXHCN Vit Nam c th khc vi thng l ti cc nc v cc th ch khc.

2.2

Nin k ton Nin k ton ca Tp on bt u t ngy 1 thng 1 n ngy 31 thng 12.

2.3

Ngoi t Bo co ti chnh hp nht c ghi nhn bng ng Vit Nam v s dng n v triu ng Vit Nam trnh by Bo co ti chnh. Cc nghip v pht sinh bng ngoi t c quy i theo t gi p dng vo ngy pht sinh nghip v. Ti sn v cng n bng tin gc ngoi t ti ti thi im cui thng c quy i theo t gi p dng vo ngy cui thng. Chnh lch do nh gi li hng thng c ghi nhn vo ti khon chnh lch nh gi li ngoi t trong bng cn i k ton. S d chnh lch do nh gi li c kt chuyn vo Bo co kt qu hot ng kinh doanh vo thi im cui nm.

2.4 (i)

Nguyn tc thc hin hp nht Bo co ti chnh Cc Cng ty con Cc Cng ty con l nhng Cng ty m Tp on c kh nng quyt nh cc chnh sch ti chnh v chnh sch hot ng. Bo co ti chnh ca cc Cng ty con c hp nht t ngy quyn kim sot ca cc Cng ty ny c trao cho Tp on. Bo co ti chnh ca cc Cng ty con s khng c hp nht t ngy Tp on khng cn quyn kim sot cc Cng ty ny. Tp on hch ton vic hp nht kinh doanh theo phng php mua. Gi ph mua bao gm gi tr hp l ti ngy din ra trao i ca cc ti sn, cc cng c vn do bn mua pht hnh v cc khon n phi tr pht sinh hoc tha nhn cng vi cc chi ph lin quan trc tip n vic mua Cng ty con. Cc ti sn mua hoc cc khon n phi tr c tha nhn trong vic hp nht kinh doanh c xc nh khi u theo gi tr hp l ti ngy mua, bt k phn li ch ca c ng thiu s l bao nhiu. Phn vt tri gia gi ph mua v phn s hu ca Tp on trong gi tr hp l thun ca cc ti sn mua c ghi nhn l Li th thng mi. Thi gian s dng hu ch ca Li th thng mi c c tnh ng n da trn thi gian thu hi li ch kinh t c th mang li cho Tp on. Thi gian s dng hu ch ca Li th thng mi ti a khng qu 10 nm k t ngy c ghi nhn. Nu gi ph mua thp hn gi tr hp l ca ti sn thun ca Cng ty con c mua th phn chnh lch c ghi nhn vo Bo co kt qu hot ng kinh doanh hp nht.

62
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.4 (i)

TM TT CC CHNH SCH K TON CH yU (tip theo)

Nguyn tc thc hin hp nht Bo co ti chnh (tip theo) Cc Cng ty con (tip theo) Cc s d ni b, giao dch v li nhun cha thc hin trn giao dch ni b gia cc Cng ty con v Tp on c loi tr khi lp Bo co ti chnh hp nht. L cha thc hin cng c loi tr, ngoi tr trng hp giao dch th hin c th s gim gi ca ti sn c chuyn giao. Cc chnh sch k ton ca cc Cng ty con cng c thay i khi cn thit nhm m bo tnh nht qun vi cc chnh sch k ton c Ngn hng p dng.

(ii)

Li ch ca c ng thiu s Li ch ca c ng thiu s l mt phn li nhun hoc l v gi tr ti sn thun ca mt Cng ty con c xc nh tng ng cho cc phn li ch khng phi do Cng ty m s hu mt cch trc tip hoc gin tip thng qua cc Cng ty con.

(iii)

Cc Cng ty lin kt v Cng ty lin doanh Cc Cng ty lin kt l cc Cng ty m Tp on c kh nng gy nh hng ng k, nhng khng nm quyn kim sot, thng thng Tp on nm gi t 20% n 50% quyn biu quyt. Cng ty lin doanh l hp ng lin doanh trong Tp on v cc i tc khc thc hin cc hot ng kinh t trn c s thit lp quyn kim sot chung. Tp on p dng phng php vn ch s hu hch ton cc khon u t vo cc Cng ty lin kt v lin doanh trong Bo co ti chnh hp nht ca Tp on. Tp on hng li nhun hoc chu phn l trong cc Cng ty lin kt v lin doanh sau ngy hp nht v ghi nhn trn Bo co kt qu hot ng kinh doanh hp nht. Nu phn s hu ca Tp on trong khon l ca cc Cng ty lin kt v lin doanh ln hn hoc bng gi tr ghi s ca khon u t vo cc Cng ty lin kt v lin doanh, Tp on khng phi tip tc phn nh cc khon l pht sinh sau trn Bo co ti chnh hp nht tr khi Tp on c ngha v thc hin thanh ton cc khon n thay cho cc Cng ty lin kt v lin doanh. Cc chnh sch k ton ca cc Cng ty lin kt v lin doanh cng c thay i khi cn thit nhm m bo tnh nht qun vi cc chnh sch k ton c Ngn hng p dng.

2.5

Thu nhp li v chi ph li Tp on ghi nhn thu nhp, li v chi ph li theo phng php trch trc. Li ca cc khon cho vay qu hn khng c ghi d thu m c ghi nhn trn c s thc thu. Khi mt khon cho vay tr thnh qu hn th s li trch trc c xut ton v c ghi nhn ngoi bng. Thu nhp li ca cc khon cho vay qu hn c ghi nhn vo Bo co kt qu kinh doanh hp nht khi thu c.

2.6

Thu nhp ph v hoa hng Ph v hoa hng bao gm ph nhn c t dch v thanh ton, dch v ngn qu, ph t cc khon bo lnh, ph t cung cp dch v mi gii chng khon v cc dch v khc. Ph t cc khon bo lnh v cung cp dch v mi gii chng khon c ghi nhn theo phng php trch trc. Ph hoa hng nhn c t dch v thanh ton, dch v ngn qu v cc dch v khc c ghi nhn khi thc nhn.

63
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.7

TM TT CC CHNH SCH K TON CH yU (tip theo)

Cc khon cho vay v cho thu ti chnh khch hng Cc khon cho vay ngn hn c k hn di 1 nm; cc khon cho vay v cho thu ti chnh trung hn c k hn t 1 nm n 5 nm v cc khon cho vay v cho thu ti chnh di hn c k hn trn 5 nm k t ngy gii ngn. Vic phn loi n v lp d phng ri ro tn dng c thc hin theo Quyt nh s 493/2005/Q-NHNN ngy 22 thng 4 nm 2005 v Quyt nh s 18/2007/Q-NHNN ngy 25 thng 4 nm 2007 ca Thng c Ngn hng Nh nc Vit Nam. Cc Quyt nh ny c p dng phi hi t v cc Quyt nh ny c hiu l cc hng dn nhm gip Tp on c tnh tt hn v ri ro tn dng ca mnh. Cc khon cho vay v cho thu ti chnh khch hng c phn thnh nm nhm n cn c vo tnh hnh tr n v cc yu t nh tnh nh sau: Nhm 1: N tiu chun Cc khon n trong hn v Tp on nh gi l c kh nng thu hi y c gc v li ng thi hn; Cc khon n qu hn di 10 ngy v Tp on nh gi l c kh nng thu hi y gc v li b qu hn v thu hi y gc v li ng thi hn cn li.

Nhm 2: N cn ch Cc khon n qu hn t 10 n 90 ngy; Cc khon n iu chnh k hn tr n ln u m Tp on nh gi c kh nng thu hi y c gc v li ng k hn c iu chnh ln u.

Nhm 3: N di tiu chun Cc khon n qu hn t 91 n 180 ngy; Cc khon n c c cu li k hn tr n ln u, tr cc khon n iu chnh k hn tr n ln u c phn loi vo nhm 2; Cc khon n c min hoc gim li do khch hng khng kh nng tr li y theo hp ng tn dng.

Nhm 4: N nghi ng Cc khon n qu hn t 181 n 360 ngy; Cc khon n c cu li thi hn tr n ln u qu hn di 90 ngy tnh theo thi hn tr n c c cu li ln u; Cc khon n c cu li thi hn tr n ln th hai.

Nhm 5: N c kh nng mt vn Cc khon n qu hn trn 360 ngy; Cc khon n c cu li thi hn tr n ln u m qu hn t 90 ngy tr ln tnh theo thi hn tr c c cu li ln u; Cc khon n c cu li ln hai m qu hn tnh theo thi hn tr c c cu li ln hai; Cc khon n c cu li ln ba tr ln; N khoanh v cc khon n ch x l.

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BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.7

TM TT CC CHNH SCH K TON CH yU (tip theo)

Cc khon cho vay v cho thu ti chnh khch hng (tip theo) Trng hp mt khch hng c nhiu hn mt khon n vi Tp on m c bt k khon n b chuyn sang nhm n ri ro cao hn th Tp on buc phi phn loi cc khon n cn li ca khch hng vo cc nhm n ri ro cao hn tng ng vi mc ri ro. Tp on ch ng t quyt nh phn loi cc khon n vo cc nhm n ri ro cao hn tng ng vi mc ri ro khi xy ra mt trong cc trng hp sau y: Khi c nhng din bin bt li t tc ng tiu cc n mi trng kinh doanh v lnh vc kinh doanh; Cc ch tiu ti chnh ca khch hng hoc kh nng tr n ca khch hng b suy gim; Khch hng khng cung cp cho Tp on cc thng tin ti chnh kp thi, y v chnh xc Tp on nh gi kh nng tr n ca khch hng.

D phng ri ro tn dng Vic tnh d phng c th c cn c trn cc t l p dng cho tng nhm n nh sau: T l d phng Nhm 1 N tiu chun Nhm 2 N cn ch Nhm 3 N di tiu chun Nhm 4 N nghi ng Nhm 5 N c kh nng mt vn 0% 5% 20% 50% 100%

D phng c th c tnh theo s d cc khon cho vay hoc cho thu ti chnh tng khch hng ti ngy 30 thng 11 hng nm tr i gi tr ca ti sn m bo. Gi tr ca ti sn m bo c xc nh theo cc quy nh ca Quyt nh 493/2005/Q-NHNN v Quyt nh 18/2007/Q-NHNN. Theo Quyt nh 493/2005/Q-NHNN ngy 22 thng 4 nm 2005, mt khon d phng chung cng c lp vi mc ti thiu bng 0,75% tng s d ca cc khon cho vay v cho thu ti chnh khch hng ti ngy 30 thng 11 hng nm, khng bao gm cc khon cho vay v cho thu ti chnh khch hng c phn loi vo nhm n c kh nng mt vn. Mc d phng chung ny c yu cu phi t c trong vng nm nm k t ngy Quyt nh c hiu lc. 2.8 Cc khon cam kt tn dng Cam kt tn dng c phn thnh nm nhm cn c vo cc yu t nh lng v nh tnh nh sau: Nhm 1: Cam kt tiu chun Cc cam kt cn trong hn m Tp on nh gi l khch hng c kh nng thc hin y cc ngha v theo cam kt khi n hn.

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BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.8

TM TT CC CHNH SCH K TON CH yU (tip theo)

Cc khon cam kt tn dng (tip theo) Nhm 2: Cam kt cn ch Cc cam kt cn trong hn m Tp on nh gi l khch hng khng c kh nng thc hin cc ngha v cam kt khi n hn.

Nhm 3: Cam kt di tiu chun Cc cam kt cn trong hn m Tp on nh gi l khch hng khng c kh nng thc hin cc ngha v cam kt khi n hn; Cc cam kt qu hn di 30 ngy.

Nhm 4: Cam kt nghi ng Cc cam kt cn trong hn m Tp on nh gi l khch hng khng c kh nng thc hin cc ngha v cam kt khi n hn; Cc cam kt v n tim tng qu hn t 30 ngy n 90 ngy.

Nhm 5: Cam kt c kh nng mt vn Cc cam kt cn trong hn m Tp on nh gi l khch hng khng c kh nng thc hin cc ngha v cam kt khi n hn; Cc cam kt qu hn hn 90 ngy.

D phng ri ro cam kt tn dng Vic tnh d phng c th c cn c trn cc t l p dng cho tng nhm cam kt tn dng nh sau: T l d phng Nhm 1 Cam kt tiu chun Nhm 2 Cam kt cn ch Nhm 3 Cam kt di tiu chun Nhm 4 Cam kt nghi ng Nhm 5 Cam kt c kh nng mt vn 0% 5% 20% 50% 100%

D phng c th c tnh theo gi tr cc khon cam kt tn dng tng khch hng ti ngy 30 thng 11 hng nm tr i gi tr ca ti sn m bo. Gi tr ca ti sn m bo c xc nh theo cc quy nh ca Quyt nh 493/2005/Q-NHNN v Quyt nh 18/2007/Q-NHNN. Theo Quyt nh 493/2005/Q-NHNN ngy 22 thng 4 nm 2005, mt khon d phng chung cng c lp vi mc ti thiu bng 0,75% tng s d ca cc khon bo lnh, cam kt cho vay v chp nhn thanh ton ti ngy 30 thng 11 hng nm, khng bao gm cc khon bo lnh v cam kt c phn loi vo nhm cam kt c kh nng mt vn. Mc d phng chung ny c yu cu phi t c trong vng nm nm k t ngy Quyt nh c hiu lc.

66
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.9 (i)

TM TT CC CHNH SCH K TON CH yU (tip theo)

u t Chng khon kinh doanh Chng khon kinh doanh l chng khon ban u c mua v nm gi cho mc ch kinh doanh trong ngn hn hoc nu Ban Tng Gim c quyt nh nh vy. Chng khon kinh doanh ban u c ghi nhn theo gi thc t mua chng khon (gi gc). Sau , cc chng khon ny c ghi nhn theo gi gc tr d phng gim gi chng khon. D phng c lp cho cc chng khon kinh doanh c t do mua bn trn th trng v khi c s suy gim gi tr ca cc chng khon kinh doanh ny. Li hoc l t kinh doanh chng khon c ghi nhn trn Bo co kt qu hot ng kinh doanh hp nht theo s thun. Gi vn ca chng khon kinh doanh bn trong nm c xc nh theo phng php bnh qun gia quyn.

(ii)

Chng khon sn sng bn Chng khon sn sng bn l cc chng khon c gi trong thi gian khng n nh trc, c th c bn p ng nhu cu thanh khon hoc ng ph vi trng hp thay i li sut, t gi, hoc gi tr chng khon. Chng khon sn sng bn ban u c ghi nhn theo gi thc t mua chng khon (gi gc). Sau , cc chng khon ny c ghi nhn theo gi gc tr d phng gim gi chng khon. D phng c lp cho cc chng khon sn sng bn c t do mua bn trn th trng v khi c s suy gim gi tr ca cc chng khon sn sng bn ny. Li hoc l t chng khon sn sng bn c ghi nhn trn Bo co kt qu hot ng kinh doanh hp nht theo s thun. Gi vn ca chng khon sn sng bn bn trong nm c xc nh theo phng php bnh qun gia quyn.

(iii)

Chng khon gi n ngy o hn Chng khon n gi n ngy o hn l cc chng khon c k hn c nh v cc khon thanh ton c nh hoc c th xc nh c v Ban Tng Gim c c nh v c kh nng gi n ngy o hn. Chng khon gi n ngy o hn ban u c ghi nhn theo gi thc t mua chng khon (gi gc). Sau , cc chng khon ny c ghi nhn theo gi gc tr d phng gim gi chng khon. D phng c lp khi c bng chng ca s suy gim gi tr trong thi gian di ca cc chng khon ny hoc trong trng hp Tp on khng th thu hi c cc khon u t ny. Thu nhp li t chng khon gi n ngy o hn c ghi nhn trn Bo co kt qu hot ng kinh doanh hp nht trn c s d thu. Li c hng trc khi Tp on nm gi c ghi gim tr vo gi vn ti thi im mua.

(iv)

u t di hn khc u t di hn khc l cc khon u t vi t l thp hn 20% phn vn ca cc n v khng nim yt. Cc khon u t ny ban u c th hin theo gi thc t mua. D phng c lp khi c s suy gim gi tr ca cc khon u t ny. C tc c ghi nhn vo kt qu kinh doanh khi quyn ca Tp on nhn c tc c xc lp.

67
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.10

TM TT CC CHNH SCH K TON CH yU (tip theo)

Ti sn c nh Ti sn c nh hu hnh v ti sn c nh v hnh Ti sn c nh c th hin theo nguyn gi tr i khu hao ly k. Nguyn gi bao gm ton b cc chi ph m Tp on phi b ra c c ti sn c nh tnh n thi im a ti sn vo trng thi sn sng s dng. Khu hao Ti sn c nh c tnh khu hao theo phng php ng thng tr dn nguyn gi ti sn qua sut thi gian hu dng c tnh nh sau: T l khu hao hng nm 2008 2007 Tr s lm vic Thit b vn phng Phng tin vn chuyn Ti sn c nh khc Phn mm vi tnh 2% 10% - 12,5% 10% 10% 12,5% 2% 10% - 12,5% 10% 10% 12,5%

Quyn s dng t c khu hao theo phng php ng thng t 45 n 50 nm ph hp vi Giy chng nhn quyn s dng t. Quyn s dng t v thi hn c ghi nhn theo gi gc v khng tnh khu hao. Li v l do thanh l, nhng bn ti sn c nh c xc nh bng s chnh lch gia s tin thu thun do thanh l vi gi tr cn li ca ti sn v c ghi nhn l thu nhp hoc chi ph trong Bo co kt qu hot ng kinh doanh hp nht. 2.11 Thu ti sn c nh Vic thu ti sn c nh m v thc cht Tp on chu ton b ri ro cng vi hng li ch t quyn s hu ti sn th c hch ton l thu ti chnh. Thu ti chnh c ghi nhn l ti sn ti thi im khi im vic thu vi s tin hch ton l s thp hn khi so snh gia gi tr hp l ca ti sn thu vi hin gi ca ton b cc khon thanh ton ti thiu. Khon thanh ton tin thu ti chnh c tch ra thnh chi ph ti chnh v khon phi tr n gc duy tr mt t l li sut c nh trn s d n thu ti chnh. Khon phi tr n gc khng bao gm chi ph ti chnh, c hch ton l n di hn. Chi ph ti chnh c hch ton vo Bo co kt qu hot ng kinh doanh trong sut thi hn ca hp ng thu. Ti sn c nh thu ti chnh c khu hao cn c vo thi gian ngn hn khi so gia thi hn hu dng ca ti sn vi thi gian thu ti chnh. Thu hot ng l loi hnh thu ti sn c nh m phn ln ri ro v li ch gn lin vi quyn s hu ca ti sn thuc v bn cho thu. Khon thanh ton di hnh thc thu hot ng c hch ton vo Bo co kt qu hot ng kinh doanh theo phng php ng thng da trn thi hn thu hot ng.

68
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.12

TM TT CC CHNH SCH K TON CH yU (tip theo)

Vng Vng c nh gi li vo cui mi thng. Chnh lch do nh gi li hng thng c ghi nhn vo ti khon chnh lch nh gi li v c kt chuyn vo Bo co kt qu hot ng kinh doanh hp nht vo thi im cui nm.

2.13

Tin v cc khon tng ng tin Trn Bo co lu chuyn tin t hp nht, tin v cc khon tng ng tin bao gm tin, kim loi qu, tin gi thanh ton ti Ngn hng Nh nc, tin gi khng k hn v c k hn ti cc ngn hng khc c thi gian o hn khng qu 90 ngy k t ngy gi.

2.14

Cc cng c ti chnh phi sinh Cc cng c ti chnh phi sinh c ghi nhn trn bng cn i k ton theo gi tr hp ng vo ngy giao dch v sau c nh gi li theo t gi cui mi k. Li nhun hoc l khi cc cng c ti chnh phi sinh c thc hin c ghi nhn trong Bo co kt qu hot ng kinh doanh. Li nhun hoc l cha thc hin khng c ghi nhn trong Bo co kt qu hot ng kinh doanh hp nht m c ghi nhn vo khon mc chnh lch nh gi li cc cng c ti chnh phi sinh trn Bng cn i k ton hp nht v c kt chuyn vo Bo co kt qu hot ng kinh doanh hp nht vo thi im cui nm.

2.15

Cc khon d phng Cc khon d phng c ghi nhn khi: Tp on c mt ngha v hin ti pht sinh t cc s kin qua; C th a n s gim st nhng li ch kinh t cn thit thanh ton ngha v n; Gi tr ca ngha v n c c tnh mt cch ng tin cy. D phng khng c ghi nhn cho cc khon l hot ng trong tng lai. Khi c nhiu ngha v n tng t nhau th kh nng gim st li ch kinh t do vic thanh ton ngha v n c xc nh thng qua vic xem xt ton b nhm ngha v ni chung. D phng cng c ghi nhn cho d kh nng gim st li ch kinh t do vic thanh ton tng ngha v n l rt nh. D phng c tnh gi tr hin ti ca cc khon chi ph d tnh thanh ton ngha v n vi sut chit khu trc thu v phn nh nhng nh gi theo th trng hin ti v thi gi ca tin t v ri ro c th ca khon n . Khon tng ln trong d phng do thi gian tri qua c ghi nhn l chi ph tin li.

2.16

D phng tr cp thi vic Theo Lut Lao ng Vit Nam, nhn vin ca Tp on c hng khon tr cp thi vic cn c vo s nm lm vic. Khon tr cp ny c tr mt ln khi ngi lao ng thi lm vic cho Tp on. D phng tr cp thi vic c lp theo Thng t 07/2004/TT-BTC ngy 09 thng 02 nm 2004 v Thng t 82/2003/TT-BTC ngy 14 thng 8 nm 2003 do B Ti chnh ban hnh. Theo , d phng tr cp thi vic c trch lp bng 1% tng qu lng c bn trong nm ca Tp on tnh n ngy Bng cn i k ton.

69
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

2
2.17

TM TT CC CHNH SCH K TON CH yU (tip theo)

Thu Thu thu nhp doanh nghip c ghi nhn trong Bo co kt qu hot ng kinh doanh hp nht cn c vo thu thu nhp hin hnh v thu thu nhp hon li. Thu thu nhp hin hnh l s thu thu nhp doanh nghip phi np hoc thu hi c tnh trn thu nhp chu thu v thu sut thu thu nhp doanh nghip ca nm hin hnh. Thu thu nhp hon li c tnh y , s dng phng thc cng n, cho s chnh lch tm thi gia gi tr tnh thu ca ti sn v n phi tr vi gi tr s sch ghi trn Bo co ti chnh. Tuy nhin, thu thu nhp hon li khng c tnh khi n pht sinh t s ghi nhn ban u ca mt ti sn hay n phi tr ca mt giao dch khng phi l giao dch st nhp doanh nghip, m giao dch khng c nh hng n li nhun/l k ton hoc li nhun/l tnh thu thu nhp ti thi im giao dch. Thu thu nhp hon li c tnh theo thu sut d tnh c p dng trong nm ti chnh m ti sn c bn i hoc khon n phi tr c thanh ton da trn thu sut ban hnh hoc xem nh c hiu lc ti ngy ca Bng cn i k ton. Ti sn thu thu nhp hon li c ghi nhn ti chng mc c th s dng c nhng chnh lch tm thi tnh vo li nhun chu thu c th c c trong tng lai.

2.18

Cc bn lin quan Cc bn lin quan l cc doanh nghip, cc c nhn, trc tip hay gin tip qua mt hoc nhiu trung gian, c quyn kim sot Ngn hng v cc Cng ty con hoc chu s kim sot ca Ngn hng v cc Cng ty con, hoc cng chung s kim sot vi Ngn hng v cc Cng ty con. Cc bn lin kt, cc c nhn no trc tip hoc gin tip nm quyn biu quyt ca Ngn hng v cc Cng ty con m c nh hng ng k i vi Ngn hng, nhng chc trch qun l ch cht nh Gim c, vin chc ca Ngn hng, nhng thnh vin thn cn trong gia nh ca cc c nhn hoc cc bn lin kt ny hoc nhng Cng ty lin kt vi cc c nhn ny cng c coi l bn lin quan. Trong vic xem xt mi quan h ca tng bn lin quan, bn cht ca mi quan h c ch ch khng phi ch l hnh thc php l.

2.19

Chi tr c tc C tc chi tr cho cc c ng ca Tp on c ghi nhn l mt khon phi tr trong Bo co ti chnh hp nht trong nm ti chnh khi vic chia c tc ca Tp on c c ng ca Tp on chp thun.

TIN V KIM LOI QU

31.12.2008 Triu ng Tin mt Vng Chng t c gi 2.365.030 6.092.625 959 8.458.614 31.12.2007 Triu ng 1.663.115 1.669.744 2.204 3.335.063

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BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

TIN GI TI NGN HNG NH NC (NHNN)

31.12.2008 Triu ng D tr bt buc ti NHNN Vit Nam Tin gi thanh ton ti NHNN Vit Nam Tin gi ti NHNN Lo 2.495.906 615.450 113.183 3.224.539 31.12.2007 Triu ng 3.117.609 761.176 3.878.785

D tr bt buc phi c gi vo NHNN Vit Nam. S d tnh trc cho 30 ngy c iu chnh mi thng mt ln v c tnh bng 6% s d trung bnh tin gi bng ng Vit Nam ca khch hng c k hn trong vng mt nm ca thng trc v 2% s d trung bnh tin gi bng ng Vit Nam ca khch hng c k hn trn mt nm. Trong khi , s d tnh trc cho 30 ngy c iu chnh mi thng mt ln v c tnh bng 7% s d trung bnh tin gi bng ngoi t ca khch hng c k hn trong vng mt nm ca thng trc v 3% s d trung bnh tin gi bng ngoi t ca khch hng c k hn trn mt nm. Ti khon ti NHNN Vit Nam cn bao gm tin gi thanh ton b tr v thanh ton khc.

TIN GI V CHO VAy CC T CHC TN DNG KHC

Ngy 31 thng 12 nm 2008 Bng tin ng Triu ng Tin gi ti cc t chc tn dng khc Tin gi thanh ton Tin gi c k hn 195.000 4.388.211 4.583.211 Cho vay cc t chc tn dng khc Cho vay ngn hn Tr: d phng ri ro tn dng cho vay cc t chc tn dng khc 31.042 (184) 30.858 4.614.069 2.433.514 31.042 (184) 30.858 7.047.583 1.254.550 1.178.964 2.433.514 1.449.550 5.567.175 7.016.725 Bng ngoi t v vng Triu ng Tng cng Triu ng

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BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

TIN GI V CHO VAy CC T CHC TN DNG KHC (tip theo)

Ngy 31 thng 12 nm 2007 Bng tin ng Triu ng Tin gi ti cc t chc tn dng khc Tin gi thanh ton Tin gi c k hn 332.365 4.004.458 4.336.823 Cho vay cc t chc tn dng khc Cho vay ngn hn 1.350 4.338.173 318.283 1.350 4.656.456 253.827 64.456 318.283 586.192 4.068.914 4.655.106 Bng ngoi t v vng Triu ng Tng cng Triu ng

CHNG KHON KINH DOANH

31.12.2008 Triu ng Chng khon n Chng khon Chnh ph Chng khon vn Chng khon vn do cc t chc tn dng khc pht hnh Chng khon vn do cc t chc kinh t trong nc pht hnh 26.842 371.057 397.899 Chng khon kinh doanh khc Tng s chng khon kinh doanh Tr: d phng gim gi chng khon kinh doanh 77.379 475.278 (105.173) 370.105 89.673 565.408 655.081 4.155.081 (13.012) 4.142.069 3.500.000 31.12.2007 Triu ng

72
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THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

CHNG KHON KINH DOANH (tip theo)

Phn loi theo nim yt v cha nim yt: 31.12.2008 Triu ng Chng khon n Cha nim yt Chng khon vn nim yt Cha nim yt 136.433 261.466 397.899 Cc chng khon kinh doanh khc Cha nim yt Tng s chng khon kinh doanh Tr: d phng gim gi u t chng khon 77.379 475.278 (105.173) 370.105 4.155.081 (13.012) 4.142.069 197.056 458.025 655.081 3.500.000 31.12.2007 Triu ng

CC CNG C TI CHNH pHI SINH V CC TI SN TI CHNH KHC

Ngy 31 thng 12 nm 2008 Tng gi tr ca hp ng (theo t gi ngy hiu lc hp ng) Triu ng Cng c ti chnh phi sinh tin t - Cc giao dch c k hn - Cc giao dch hon i tin t - Cc giao dch quyn chn mua - Cc giao dch quyn chn bn 561.096 2.451.322 2.784 2.411 3.017.613 13.757 13.757 6.829 6.829 Tng gi tr ghi s k ton (theo t gi ti ngy 31 thng 12) Ti sn Triu ng Cng n Triu ng

73
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

CC CNG C TI CHNH pHI SINH V CC TI SN TI CHNH KHC (tip theo)

Ngy 31 thng 12 nm 2007 Tng gi tr ca hp ng (theo t gi ngy hiu lc hp ng) Triu ng Cng c ti chnh phi sinh tin t - Cc giao dch hon i tin t 785.076 4.911 Tng gi tr ghi s k ton (theo t gi ti ngy 31 thng 12) Ti sn Triu ng Cng n Triu ng

CHO VAy V CHO THU TI CHNH KHCH HNG

Cho vay v cho thu ti chnh khch hng c phn tch nh sau:

8.1

phn tch theo loi hnh cho vay: 31.12.2008 Triu ng Cho vay cc t chc kinh t, c nhn trong nc Cho vay chit khu thng phiu v cc giy t c gi Cho thu ti chnh Cho vay t ngun vn ca cc t chc nc ngoi Cho vay theo ch nh ca Chnh Ph N khoanh v n ch x l 34.486.844 3.328 319.059 197.774 1.866 35.008.871 31.12.2007 Triu ng 34.938.504 23.425 181.223 232.162 463 2.370 35.378.147

Bao gm trong cc khon cho vay khch hng l 900.091 triu ng Vit Nam l cho vay cc bn c lin quan ca Ngn hng Si Gn Thng Tn. 8.2 phn tch theo ngnh ngh kinh doanh 31.12.2008 Triu ng Thng mi Nng lm nghip Sn xut v gia cng ch bin Xy dng Dch v c nhn v cng ng Kho bi, giao thng vn ti v thng tin lin lc Gio dc v o to T vn, kinh doanh bt ng sn Nh hng v khch sn Cc ngnh ngh khc 8.285.625 2.623.460 8.700.709 2.056.442 5.768.865 742.489 1.279.052 2.949.151 787.038 1.816.040 35.008.871 31.12.2007 Triu ng 11.170.849 1.695.544 10.081.980 2.304.339 2.892.887 714.632 1.108.328 2.171.155 472.583 2.765.850 35.378.147

74
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

8
8.3

CHO VAy V CHO THU TI CHNH KHCH HNG (tip theo)

phn tch theo nhm 31.12.2008 Triu ng N tiu chun N cn ch N di tiu chun N nghi ng N c kh nng mt vn 34.671.264 129.200 81.798 57.481 69.128 35.008.871 31.12.2007 Triu ng 35.244.771 51.968 5.930 13.268 62.210 35.378.147

8.4

phn tch theo k hn cho vay 31.12.2008 Triu ng Ngn hn Trung hn Di hn 19.777.308 6.566.937 8.664.626 35.008.871 31.12.2007 Triu ng 21.731.963 6.472.460 7.173.724 35.378.147

8.5

phn tch theo loi tin t 31.12.2008 Triu ng Cho vay bng ng Vit Nam Cho vay bng ngoi t v vng 29.549.928 5.458.943 35.008.871 31.12.2007 Triu ng 27.231.369 8.146.778 35.378.147

8.6

phn tch theo khu vc a l 31.12.2008 Triu ng Thnh ph H Ch Minh ng Bng Sng Cu Long Min Trung v min ng Min Bc 18.358.426 4.579.773 7.234.516 4.836.156 35.008.871 31.12.2007 Triu ng 18.727.702 4.579.773 7.234.516 4.836.156 35.378.147

75
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

8
8.7

CHO VAy V CHO THU TI CHNH KHCH HNG (tip theo)

phn tch theo loi hnh doanh nghip 31.12.2008 Triu ng Doanh nghip nh nc Cng ty c phn Cng ty trch nhim hu hn Doanh nghip t nhn Hp tc x Cng ty lin doanh Cng ty 100% vn nc ngoi C nhn Khc 723.513 6.157.743 9.315.313 1.983.480 65.587 18.852 334.022 16.372.649 37.712 35.008.871 31.12.2007 Triu ng 280.937 4.962.200 9.997.319 2.224.820 121.069 129.871 240.727 17.379.225 41.979 35.378.147

D pHNG CHO VAy V CHO THU TI CHNH KHCH HNG

D phng cho cc khon cho vay v cho thu ti chnh khch hng ti ngy 31 thng 12 bao gm: 31.12.2008 Triu ng D phng c th D phng chung 40.483 211.269 251.752 31.12.2007 Triu ng 27.744 149.829 177.573

9.1

D phng c th cho vay v cho thu ti chnh khch hng 2008 Triu ng Ti ngy 1 thng 1 S dng trong nm Hon nhp trong nm Ti ngy 31 thng 12 27.744 13.100 (361) 40.483 2007 Triu ng 21.888 11.538 (5.682) 27.744

D phng c th cho cc khon cho vay khch hng ti ngy 31 thng 12 nm 2008 c tnh da trn vic phn loi n theo Quyt nh 18/2007/Q-NHNN ban hnh ngy 25 thng 4 nm 2007 v Quyt nh 493/2005/Q-NHNN do Ngn hng Nh nc ban hnh. (*) Cc khon cho vay c xa n sau khi Hi ng X l ri ro tn dng xt thy rng mi n lc hp l thu hi n, k c cc hnh ng php l u khng c hiu qu. Cc khon cho vay c xa n theo nh cc quy nh trong Quyt nh 493/2005/Q-NHNN.

76
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

9
9.2

D pHNG CHO VAy V CHO THU TI CHNH KHCH HNG (tip theo)
D phng chung 2008 Triu ng Ti ngy 1 thng 1 Trch lp trong nm Ti ngy 31 thng 12 149.829 61.440 211.269 2007 Triu ng 59.530 90.299 149.829

D phng chung c lp theo Quyt nh 493/2005/Q-NHNN. Trong vng bn nm qua hng nm, Tp on trch lp 20% mc d phng c tnh cn thit phi t c vo nm th nm k t ngy Quyt nh ny c hiu lc.

10
10.1

CHNG KHON U T
Chng khon u t sn sng bn 31.12.2008 Triu ng Chng khon n Chng khon Chnh Ph Chng khon n do cc t chc tn dng khc pht hnh Chng khon n do cc t chc kinh t trong nc pht hnh (*) 902.019 5.318.647 1.549.451 7.770.117 Chng khon vn Chng khon vn do cc t chc tn dng khc pht hnh Chng khon vn do cc t chc kinh t trong nc pht hnh Tng chng khon sn sng bn D phng gim gi chng khon sn sng bn 423.509 423.509 8.193.626 (139.142) 8.054.484 (*) 37.550 301.411 338.961 7.249.397 (3.512) 7.245.885 474.324 5.336.390 1.099.722 6.910.436 31.12.2007 Triu ng

Bao gm trong chng khon n do cc t chc kinh t trong nc pht hnh l 850.000 triu ng Vit Nam tr gi tri phiu doanh nghip do cc Cng ty c lin quan ca Ngn hng Si Gn Thng Tn pht hnh v s o hn trong nm 2011 v 2012.

77
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

10
10.2

CHNG KHON U T (tip theo)

Chng khon u t gi n ngy o hn 31.12.2008 Triu ng Chng khon n Tri phiu Chnh Ph (*) Chng khon n do cc t chc tn dng khc pht hnh Chng khon n do cc t chc kinh t trong nc pht hnh 824.209 19.854 71.027 915.090 D phng gim gi chng khon u t gi n ngy o hn 915.090 (*) 1.435.124 363.156 129.636 1.927.916 1.927.916 31.12.2007 Triu ng

Bao gm trong tri phiu Chnh ph l 15.000 triu ng tri phiu Chnh ph hin ang c th chp ti Ngn hng Nh nc (xem Thuyt minh s 17).

11

U T VO CNG Ty LIN KT V CNG Ty LIN DOANH

Ngy 31 thng 12 nm 2008 Gi vn Triu ng Khon u t vo cng ty lin doanh Khon u t vo cng ty lin kt Gi tr s sch Triu ng Ngy 31 thng 12 nm 2007 Gi vn Triu ng Gi tr s sch Triu ng

51.000 78.000 129.000

74.803 61.021 135.824

51.000 78.000 129.000

130.630 80.652 211.282

11.1

Tnh hnh tng gim cc khon u t vo cng ty lin kt v lin doanh 2008 Triu ng Ti ngy 1 thng 1 Tng Phn (l)/li nhun sau thu ca Tp on C tc c chia Phn chi tr t cc qu lin quan n Tp on Ti ngy 31 thng 12 211.282 (16.427) (42.896) (16.135) 135.824 2007 Triu ng 110.604 78.000 110.925 (76.091) (12.156) 211.282

78
BO CO THNG NIN 2008

11

U T VO CNG Ty LIN KT V CNG Ty LIN DOANH (tip theo)

11.2

Cc khon u t ca Ngn hng vo cng ty lin kt v lin doanh

Cc khon u t ca Tp on vo cng ty lin kt v lin doanh bao gm: Ngy 31 thng 12 nm 2008 T l phn vn (%) Gi vn Triu ng Gi tr s sch Triu ng T l phn vn (%) Gi vn Triu ng Ngy 31 thng 12 nm 2007 Gi tr s sch Triu ng

Tn

Ngnh ngh kinh doanh Chi tit

Cng ty lin kt Vn gp 26% 78.000 61.021 26% (11% ca Ngn hng v 15% ca Cng ty Chng khon Si Gn Thng Tn) 78.000 80.652

Cng ty u t Hot ng Si Gn Thng Tn u t

Cng ty lin doanh Vn gp 51% 51.000 74.803 51% 51.000 130.630

Cng ty Qun l Qu u t Vit Nam 129.000

Qun l qu u t v t vn ti chnh

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

135.824

129.000

211.282

Mu S B 05/TCTD - HN

79

BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

12

CC KHON U T DI HN KHC
Cc khon u t di hn khc ca Tp on l cc khon u t c t l phn vn nh hn 11% v gm cc n v sau y: Ngy 31 thng 12 nm 2008 Tn Cc t chc tn dng u t vo cc t chc tn dng khc u t vo cc cng ty khng l t chc tn dng Cc doanh nghip cha nim yt (*) Tng s u t di hn vo cc n v khc Tr: d phng gim gi cc khon u t di hn vo cc n v khc Gi tr thun u t di hn vo cc n v khc (*) 1.068.256 1.168.632 (50.195) 1.118.437 1.197.534 1.284.326 1.284.326 100.376 86.792 Gi vn Triu ng Ngy 31 thng 12 nm 2007 Gi vn Triu ng

Bao gm trong s u t vo cc cng ty khng phi l t chc tn dng l 116.050 triu ng u t vo chng ch qu VF2. y l qu u t do Cng ty Qun l Qu u t Vit Nam qun l. Cng ty ny l mt cng ty lin doanh gia Sacombank v Dragon Capital, mt c ng ca Ngn hng.

80
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

13

TI SN C NH HU HNH
n v: Triu ng Tr s lm vic Nguyn gi Ti ngy 1 thng 1 nm 2008 Mua mi trong nm Kt chuyn t xy dng d dang v mua sm ti sn c nh (Thuyt minh 16.1) Kt chuyn t ti sn thu ti chnh Thanh l Ti ngy 31 thng 12 nm 2008 Khu hao ly k Ti ngy 1 thng 1 nm 2008 Trch trong nm Kt chuyn t ti sn thu ti chnh Thanh l Ti ngy 31 thng 12 nm 2008 Gi tr cn li Ti ngy 1 thng 1 nm 2008 Ti ngy 31 thng 12 nm 2008 322.300 434.894 188.345 354.900 64.259 98.991 15.496 23.497 590.400 912.282 26.694 9.754 (7.199) 29.249 65.722 41.681 (7.704) 99.699 19.616 10.087 320 (7.877) 22.146 2.848 2.653 (100) 5.401 114.880 64.175 320 (22.880) 156.495 348.994 7.398 254.067 71.470 83.875 19.405 18.344 4.858 705.280 103.131 Thit b vn phng phng tin vn chuyn Ti sn c nh khc

Tng cng

147.896 (40.145) 464.143

138.413 (9.351) 454.599

30.883 1.454 (14.480) 121.137

5.933 (237) 28.898

323.125 1.454 (64.213) 1.068.777

81
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

14

TI SN C NH V HNH
n v: Triu ng phn mm vi tnh Nguyn gi Ti ngy 1 thng 1 nm 2008 Mua mi trong nm Kt chuyn t xy dng d dang v sm ti sn c nh (Thuyt minh 16.1) Thanh l Ti ngy 31 thng 12 nm 2008 Khu hao ly k Ti ngy 1 thng 1 nm 2008 Khu hao trong nm Ti ngy 31 thng 12 nm 2008 Gi tr cn li Ti ngy 1 thng 1 nm 2008 Ti ngy 31 thng 12 nm 2008 64.895 80.087 341.687 680.210 406.582 760.297 19.433 11.864 31.297 1.718 3.444 5.162 21.151 15.308 36.459 84.328 16.716 10.340 111.384 343.405 362.992 (21.025) 685.372 427.733 16.716 373.332 (21.025) 796.756 Quyn s dng t

Tng cng

82
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

15

TI SN C NH THU TI CHNH
n v: Triu ng phng tin vn chuyn Nguyn gi Ti ngy 1 thng 1 nm 2008 Thu mi trong nm Mua li ti sn thu Bin ng khc Ti ngy 31 thng 12 nm 2008 Khu hao ly k Ti ngy 1 thng 1 nm 2008 Khu hao trong nm Mua li ti sn thu Ti ngy 31 thng 12 nm 2008 Gi tr cn li Ti ngy 1 thng 1 nm 2008 Ti ngy 31 thng 12 nm 2008 22.831 23.709 2.811 3.391 (320) 5.882 25.642 5.448 (1.454) (45) 29.591

16

TI SN KHC
31.12.2008 Triu ng Chi ph xy dng c bn d dang v mua TSC (Thuyt minh 16.1) Li d thu Khon tm ng tin thu vn phng Hi s chnh (Xem Thuyt minh 43) Phi thu t khch hng (*) Cc khon tm ng v phi thu ni b Chi ph ch phn b Ti sn khc (**) 689.728 720.769 46.978 704.972 78.435 217.461 195.215 2.653.558 (*) 31.12.2007 Triu ng 301.550 705.195 51.896 254.387 17.405 185.579 149.783 1.665.795

Bao gm trong cc khon phi thu t khch hng l 225.232 triu ng gi tr ti sn m bo c s dng nhm b cho cc khon n kh i. Ngn hng ang trong qu trnh chuyn giao quyn s hu cc ti sn ny hoc ang trong qu trnh thanh l thu hi n. Bao gm trong ti sn khc l 143.981 triu ng gi tr ti sn m bo c s dng nhm b cho cc khon n kh i. Quyn s hu cc ti sn ny c chuyn giao cho Ngn hng.

(**)

83
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

16
16.1

TI SN KHC (tip theo)

Chi ph xy dng c bn d dang v mua TSC 31.12.2008 Triu ng Ti ngy 1 thng 1 Tng Chuyn sang ti sn c nh (Thuyt minh 13 v 14) Khc Ti ngy 31 thng 12 301.550 1.155.595 (696.457) (70.960) 689.728 31.12.2007 Triu ng 250.591 400.037 (258.501) (90.577) 301.550

17

CC KHON N CHNH pH V NGN HNG NH NC

31.12.2008 Triu ng Vay chit khu, ti chit khu giy t c gi Vay di hn Ngn hng Nh nc t ngun ca cc t chc quc t 52.161 52.161 31.12.2007 Triu ng 750.177 750.177

18

TIN, VNG GI CA V VAy T CC T CHC TN DNG KHC

Ngy 31 thng 12 nm 2008 Bng tin ng Triu ng Tin gi ca cc t chc tn dng khc Tin gi thanh ton Tin gi c k hn 113.888 39.392 153.280 Tin vay cc t chc tn dng khc 3.445.818 3.599.098 6.423 847.333 853.756 35.500 889.256 120.311 886.725 1.007.036 3.481.318 4.488.354 Bng ngoi t v vng Triu ng Tng cng Triu ng

84
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

18

TIN, VNG GI CA V VAy T CC T CHC TN DNG KHC (tip theo)

Ngy 31 thng 12 nm 2007 Bng tin ng Triu ng Tin gi ca cc t chc tn dng khc Tin gi thanh ton Tin gi c k hn 105.474 3.429.022 3.534.496 Tin vay cc t chc tn dng khc 435.000 3.969.496 12.484 526.997 539.481 539.481 117.958 3.956.019 4.073.977 435.000 4.508.977 Bng ngoi t v vng Triu ng Tng cng Triu ng

19
19.1

TIN GI CA KHCH HNG

Theo loi tin gi 31.12.2008 Triu ng Tin gi khng k hn Tin gi c k hn Tin gi tit kim Tin k qu Tin gi vn chuyn dng 5.859.964 4.582.640 35.153.340 530.586 2.290 46.128.820 31.12.2007 Triu ng 6.920.888 7.370.800 29.018.490 912.472 9.294 44.231.944

19.2

Theo tin t Ngy 31 thng 12 nm 2008 Bng tin ng Triu ng Tin gi khng k hn Tin gi c k hn Tin gi tit kim Tin k qu Tin gi vn chuyn dng 5.458.870 3.931.488 30.481.232 88.888 1.380 39.961.858 Bng ngoi t v vng Triu ng 401.094 651.152 4.672.108 441.698 910 6.166.962 Tng cng Triu ng 5.859.964 4.582.640 35.153.340 530.586 2.290 46.128.820

85
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

19
19.2

TIN GI CA KHCH HNG (tip theo)

Theo tin t (tip theo) Ngy 31 thng 12 nm 2007 Bng tin ng Triu ng Tin gi khng k hn Tin gi c k hn Tin gi tit kim Tin k qu Tin gi vn chuyn dng 6.478.010 6.962.661 25.460.817 108.516 8.277 39.018.281 Bng ngoi t v vng Triu ng 442.878 408.139 3.557.673 803.956 1.017 5.213.663 Tng cng Triu ng 6.920.888 7.370.800 29.018.490 912.472 9.294 44.231.944

19.3

Theo loi hnh doanh nghip 31.12.2008 Triu ng Doanh nghip nh nc Cng ty t nhn trong nc Doanh nghip 100% vn nc ngoi C nhn Khc 1.493.526 6.169.981 972.711 37.121.811 370.791 46.128.820 31.12.2007 Triu ng 3.250.644 7.239.189 940.402 31.454.697 1.347.012 44.231.944

20

VN NHN TI TR, y THC U T, CHO VAy CC T CHC TN DNG CHU RI RO

31.12.2008 Triu ng Vn nhn t RDF Vn nhn t FMO Vn nhn t SMeDF Vn nhn t IFC 274.449 150.638 89.375 500.000 1.014.462 31.12.2007 Triu ng 243.451 175.467 84.375 500.000 1.003.293

86
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

20

VN NHN TI TR, y THC U T, CHO VAy CC T CHC TN DNG CHU RI RO (tip theo)
Vn nhn t Qu Pht trin Nng thn (RDF) c Ngn hng Th gii ti tr nhm cho vay c thi hn t 1 n 5 nm vi li sut hin ti l 0,68%/thng. Qu c dng cho vay nhng i tng quy nh trong Quyt nh s 25/Q-NH21 ngy 31 thng 01 nm 1997 ca Thng c Ngn hng Nh nc Vit Nam. Khon vn ny s o hn vo nm 2010. Vn nhn ln u t Financierings - Maatschapij Voor Ontwikkelingslarden (FMO), mt Ngn hng ti H Lan, c s dng cho vay cc doanh nghip Vit Nam khi cc doanh nghip ny p ng cc yu cu do FMO a ra. Tin li c tr na nm mt ln theo li sut trung bnh ca Ngn hng Ngoi thng Vit Nam, Ngn hng u t v Pht trin Vit Nam, Ngn hng Chu v HSBC cng vi 1,5%/ nm. Khon vn ny s o hn vo nm 2009. Vn nhn ln hai t Financierings - Maatschapij Voor Ontwikkelingslarden (FMO), mt Ngn hng ti H Lan, c s dng cho cc khch hng khng phi l doanh nghip Vit Nam mua nh khi cc khch hng ny p ng cc yu cu do FMO a ra. Tin li c tr na nm mt ln theo li sut trung bnh ca Ngn hng Ngoi thng Vit Nam, Ngn hng u t v Pht trin Vit Nam, Ngn hng Chu v HSBC. Khon vn ny s o hn vo nm 2016. Vn nhn t Qu Pht trin cc Doanh nghip va v nh (SMeDF) c y Ban Chu u ti tr. Ngun vn c s dng ti tr cc doanh nghip Vit Nam va v nh khi cc doanh nghip ny p ng cc iu kin ca d n. Li sut c xc nh theo li sut c nh hoc li sut th ni. Li sut c nh c tnh bng mc li sut do Chnh ph tr cho tri phiu c k hn nm nm gn y nht tr mt t l chit khu. Li sut th ni c tnh bng li sut tham chiu tr mt t l chit khu v c xc nh sau mi su thng. Li sut tham chiu l mc li sut trung bnh tin gi tin ng su thng ca cc Ngn hng Ngoi thng Vit Nam, Ngn hng Cng thng Vit Nam, Ngn hng u t v Pht trin Vit Nam v Ngn hng Nng nghip v Pht trin nng thn Vit Nam. T l chit khu c p dng cho mi loi li sut v c ngn hng cho vay c nh hng nm. T l chit khu cho nm u tin l 0,5% cho li sut c nh v 1% cho li sut th ni. Khon vn ny s o hn vo nm 2010. Vn nhn t Cng ty ti chnh quc t (IFC) nhm cho cc c nhn ti Vit Nam vay vn vi mc ch l mua sm v sa cha nh ca, thi gian cho vay ti a l 10 nm. Loi tin vay vn l ng Vit Nam. Li sut cho vay bao gm mc li sut c bn c nh cng vi mc li sut bin (1,5%/nm). nh k tr vn l 6 thng 1 ln, bt u lch tr n gc t nm 2009. Khon vay ny s o hn vo nm 2017.

21

CHNG CH TIN GI V TRI pHIU

Ngy 31 thng 12 nm 2008 Bng tin ng Triu ng Ngn hn Trung hn 6.203 790.000 796.203 Bng ngoi t v vng Triu ng 5.801.874 1.060.986 6.862.860 Tng cng Triu ng 5.808.077 1.850.986 7.659.063

87
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

21

CHNG CH TIN GI V TRI pHIU (tip theo)

Ngy 31 thng 12 nm 2007 Bng tin ng Triu ng Ngn hn Trung hn 300.090 300.090 Bng ngoi t v vng Triu ng 3.791.898 1.105.392 4.897.290 Tng cng Triu ng 3.791.898 1.405.482 5.197.380

22

CC KHON N KHC
31.12.2008 Triu ng Li d chi Chuyn tin phi tr Cc khon thu phi np Tin gi h v i thanh ton Thu nhp li cha thc hin Phi tr cc i tc kinh doanh vng trn ti khon C tc phi tr Phi tr khc D phng tr cp thi vic D phng chung cho n tim tng v cc cam kt (Thuyt minh 22.1) 869.112 21.301 63.842 37.796 11.997 5.365 297.323 2.784 27.564 1.337.085 31.12.2007 Triu ng 586.709 13.611 95.992 34.032 170.283 285 5.518 592.267 4.557 28.191 1.531.445

22.1

D phng chung cho n tim tng v cc cam kt 2008 Triu ng Ti ngy 1 thng 1 Tng trong nm Hon nhp trong nm Ti ngy 31 thng 12 28.191 (627) 27.564 2007 Triu ng 11.641 16.550 28.191

D phng chung c lp theo Quyt nh 493/2005/Q-NHNN. Trong bn nm qua hng nm, Tp on trch lp 20% mc d phng c tnh cn thit phi t c vo nm th nm k t ngy Quyt nh ny c hiu lc.

88
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

23
23.1

VN Gp
Vn c phn 31.12.2008 Triu ng Vn iu l - pht hnh v c gp 5.115.831 31.12.2007 Triu ng 4.448.814

Theo Cng vn s 1019/NHNN-HCM ca NHNN Vit Nam - Chi nhnh TP HCM, Ngn hng c tng vn iu l ln 5.115.831 triu ng Vit Nam. Vn c phn thng Triu ng Ti ngy 1 thng 1 nm 2007 Gi tr c phiu pht hnh Ti ngy 31 thng 12 nm 2007 Gi tr c phiu pht hnh Mua c phiu qu (*) Ti ngy 31 thng 12 nm 2008 (*) 23.2 208.941.281 235.940.136 444.881.417 66.701.667 (18.265.270) 493.317.814 2.089.413 2.359.401 4.448.814 667.017 5.115.831 Thng d vn c phn Triu ng 158.365 1.054.358 1.212.723 1.212.723

S c phiu

C phiu qu Triu ng (351.924) (351.924)

Tng vn c phn Triu ng 2.247.778 3.413.759 5.661.537 667.017 (351.924) 5.976.630

S lng c phiu qu c Ngn hng mua trong nm 2008 l 18.265.270 c phiu.

Vn khc 31.12.2008 Triu ng Vn u t XDCB v mua sm TSC Vn khc 795 153 948 31.12.2007 Triu ng 795 153 948

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BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

24

CC QU V LI NHUN GI LI
n v: Triu ng Li nhun cha phn phi Ti ngy 1 thng 1 nm 2007 Li nhun rng hp nht trong nm Phn b vo cc qu Chia c tc bng c phiu C tc tr bng tin mt Bin ng khc ca cc qu Ti ngy 31 thng 12 nm 2007 Li nhun rng hp nht trong nm Phn b vo cc qu Chia c tc bng c phiu C tc tr bng tin mt Bin ng khc ca cc qu Ti ngy 31 thng 12 nm 2008 436.146 1.397.897 (334.781) (250.686) (44) (14.003) 1.234.529 954.753 (521.885) (667.017) (305) (15.735) 984.340 Qu D tr b sung vn iu l 72.041 73.668 145.709 161.514 307.223 Qu d phng ti chnh 91.438 149.594 241.032 103.302 (138) 344.196

Cc qu khc 21.995 111.519 (67.610) 65.904 257.069 (177.686) 145.287

Tng cng 621.620 1.397.897 (250.686) (44) (81.613) 1.687.174 954.753 (667.017) (305) (193.559) 1.781.046

Theo Ngh nh 146/2005/N - CP ban hnh ngy 23 thng 11 nm 2005, Ngn hng phi trch lp cc qu sau: Qu D tr b sung vn iu l: mc trch lp ti thiu m lut php quy nh l 5% t li nhun thun sau thu mi nm. Trong nm 2007, Hi ng Qun tr lp phng n trch thm s tin c min gim thu 50% s thu thu nhp doanh nghip ca nm 2007 vo Qu D tr b sung vn iu l l 107.945 triu ng. Phng n ny c i hi c ng thng qua ngy 17 thng 3 nm 2008. Do vy, Bo co ti chnh cho nin kt thc ngy 31 thng 12 nm 2008 phn nh s tin trch lp thm ca Qu D tr b sung vn iu l. Qu D phng ti chnh: trch 10% li nhun sau thu cn li sau khi trch lp Qu D tr b sung vn iu l cho n khi Qu ny t ti 25% vn iu l hin c ca t chc tn dng.

Cc qu khc bao gm Qu u t pht trin v Qu Phc li v khen thng. Vic trch lp cc qu ny c Hi ng Qun tr chp thun v ph duyt ti i hi c ng thng nin nm vo ngy 17 thng 3 nm 2008. C tc C tc ca nm 2008 s c cng b cha c ghi nhn cho n khi c ph duyt ti i hi c ng thng nin tip theo. Hi ng Qun tr Ngn hng lp k hoch ngh mc c tc l 15% cho nm kt thc ngy 31 thng 12 nm 2008. Cc Bo co ti chnh cho nin kt thc ngy 31 thng 12 nm 2008 khng th hin d kin ny, m nu sau ny c ph duyt, v vic chi tr c tc ny s c ghi nhn trong phn vn ch s hu nh l mt khon phn phi li nhun gi li ca nin kt thc ngy 31 thng 12 nm 2009.

90
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

25

LI C BN TRN C pHIU
Li c bn trn c phiu c tnh bng s li nhun thun phn b cho cc c ng ca Ngn hng chia cho s lng bnh qun gia quyn ca s c phiu ph thng ang lu hnh trong nm. 2008 Li nhun thun phn b cho cc c ng ca Ngn hng (triu ng) Li nhun thun c s dng xc nh li c bn trn c phiu (triu ng) Bnh qun gia quyn ca s c phiu ph thng ang lu hnh (c phiu) Li c bn trn mi c phiu (ng/c phiu) Bnh qun gia quyn ca s c phiu ph thng ang lu hnh vi gi nh rng c tc c tr bng c phiu c thc hin vo ngy 1 thng 1 nm 2007 (c phiu) Li c bn trn mi c phiu vi gi nh rng c tc c tr bng c phiu c thc hin vo ngy 1 thng 1 nm 2007 (ng/c phiu) 954.753 954.753 510.751.023 1.869 2007 1.397.897 1.397.897 350.972.746 3.983

511.583.084

2.732

26

THU NHp LI V CC KHON TNG T THU NHp LI

2008 Triu ng T cho vay v tm ng cho khch hng T tin gi v cho vay cc t chc tn dng khc T cc khon u t Li cho thu ti chnh Thu nhp khc t hot ng tn dng 5.555.407 381.469 1.140.823 56.584 26.799 7.161.082 2007 Triu ng 2.508.197 452.967 376.173 12.881 32.784 3.383.002

27

CHI pH LI V CC KHON TNG T CHI pH LI

2008 Triu ng Li tin gi ca khch hng Li tin vay t cc t chc tn dng trong nc Li chng ch tin gi v tri phiu Chi ph khc 5.266.236 531.648 187.843 28.687 6.014.414 2007 Triu ng 2.146.625 31.007 47.002 6.496 2.231.130

91
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

28

THU NHp T CC KHON pH V DCH V

2008 Triu ng Dch v bo lnh Dch v thanh ton Dch v ngn qu Dch v mi gii chng khon Dch v cho thu v qun l kho, nh gi ti sn Cc dch v khc 34.417 211.798 35.061 30.857 66.128 293.755 672.016 2007 Triu ng 19.746 122.881 18.531 50.821 39.526 39.578 291.083

29

CHI TR pH V DCH V
2008 Triu ng Dch v thanh ton v ngn qu Dch v mi gii chng khon Chi ph hot ng khc 23.771 6.128 79.768 109.667 2007 Triu ng 17.570 13.086 67.029 97.685

30

THU NHp THUN T HOT NG KINH DOANH NGOI T V VNG

2008 Triu ng Thu nhp t hot ng kinh doanh ngoi t v vng L t hot ng kinh doanh ngoi t v vng Thu nhp t nh gi li ngoi t v vng L t nh gi li ngoi t v vng 817.470 (323.749) 48.772 (32.452) 510.041 2007 Triu ng 178.808 (34.632) 1.434 (44.795) 100.815

31

KINH DOANH VNG TRN TI KHON K QU

Trong nm ti chnh kt thc ngy 31 thng 12 nm 2008, Ngn hng k mt s hp ng kinh doanh vng trn ti khon vi cc khch hng i tc. S tin k qu cho cc hp ng ny c gi trn ti khon kinh doanh vng ti cc i tc giao dch. Gi tr ghi trn cc hp ng ny l c s so snh vi cc cng c ti chnh c ghi nhn trn Bng cn i k ton. Tuy nhin, cc gi tr ny khng nht thit phi l dng tin tng ng trong tng lai hoc gi tr hp l hin ti ca nhng hp ng ny v do khng th hin ri ro tn dng hay ri ro gi c th trng i vi Ngn hng. Cc hp ng ny tr nn c li (li nhun) hay bt li (l) l do kt qu ca s bin ng gi vng tng quan vi cc iu khon ca hp ng. Gi tr tng hp ca cc hp ng ang cn hiu lc, phm vi m cc hp ng c xc nh l nh hng c li hay bt li n gi tr hp l ca hp ng, c th c bin ng theo tng thi im.

92
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

32

THU NHp THUN T HOT NG MUA BN CHNG KHON KINH DOANH

2008 Triu ng Thu nhp do mua bn chng khon kinh doanh Tr: L do mua bn chng khon kinh doanh Tr: D phng gim gi chng khon kinh doanh 277.393 (98.376) (92.161) 86.856 2007 Triu ng 612.885 (13.012) 599.873

Trong nm, Ngn hng c cc giao dch bn chng khon cho mt Cng ty lin kt ca Ngn hng, vi tng gi tr l 209.071 triu ng theo gi th trng v thu c tng thu nhp thun l 104.919 triu ng. Sau , Ngn hng mua li mt s chng khon bn ny t Cng ty lin kt ny vi tng s tin l 93.175 triu ng trc thi im kt thc nm ti chnh 2008 theo gi th trng ti thi im mua.

33

(L)/ THU NHp THUN T HOT NG MUA BN CHNG KHON U T

2008 Triu ng Thu nhp do mua bn chng khon u t Tr: L do mua bn chng khon kinh doanh Tr: D phng gim gi chng khon kinh doanh 100.409 (53.033) (135.629) (88.253) 2007 Triu ng 212.111 (3.512) 208.599

34

THU NHp T Gp VN, MUA C pHN V THU NHp C TC

2008 Triu ng T chng khon vn kinh doanh T chng khon vn u t T u t vo Cng ty lin kt v lin doanh T gp vn, u t di hn vo cc n v khc Cc khon thu nhp khc Tr: D phng gim gi cc khon u t vo cc n v khc 59.592 78.005 (16.427) 26.332 22.782 (50.195) 120.089 2007 Triu ng 5.511 14.318 110.925 37.995 14.741 183.490

93
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

35

CHI pH QUN L CHUNG

2008 Triu ng Chi ph thu Tin lng v cc chi ph khc Chi ph khu hao Chi ph ti sn Chi ph hnh chnh Chi ph bo him tin gi 48.620 643.346 82.874 176.883 272.491 45.721 1.269.935 2007 Triu ng 16.423 345.942 47.551 108.252 199.922 23.135 741.225

36

THU NHp KHC

2008 Triu ng Thu nhp khc Thu nhp t thanh l ti sn c nh Thu nhp khc 101.588 25.123 126.711 Chi ph khc L do thanh l ti sn c nh Chi ph khc 6.760 3.742 10.502 116.209 2.514 2.514 3.536 1.132 4.918 6.050 2007 Triu ng

37

THU GI TR GIA TNG

Ph v hoa hng chu thu gi tr gia tng 10% theo phng php khu tr, giao dch ngoi t v vng chu thu gi tr gia tng l 10% theo phng php trc tip. Cc nghip v ngn hng khc khng chu thu gi tr gia tng.

94
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

38

THU THU NHp DOANH NGHIp (TNDN)

2008 Triu ng Thu hin hnh Thu thu nhp t chuyn quyn s dng t Thu hon li 134.849 20.325 155.174 2007 Triu ng 183.882 192 184.074

Khng c thu thu nhp hon li c ghi nhn trong Bo co ti chnh hp nht v khng c s khc bit tm thi trng yu no ti ngy 31 thng 12 nm 2007 v ngy 31 thng 12 nm 2008. Khon thu trong nm th hin thu thu nhp doanh nghip c tnh vi thu sut 28% trn li nhun chu thu c tnh trong nm v ty thuc vo s kim tra v c th c nhng iu chnh ca c quan thu. 2008 Triu ng Li nhun trc thu Thu iu chnh: Thu trn thu nhp khng chu thu Thu trn thu nhp c u i v thu (*) Thu trn chi ph khng c khu tr (54.865) (152.677) 134.849 (*) (37.605) (236.007) 6.069 183.882 1.109.927 342.391 2007 Triu ng 1.581.971 451.425

Ngn hng c gim 50% thu sut (14%) cho nm 2007 v 2008 theo cng vn s 11924 TC/CS ngy 20 thng 10 nm 2004 ca B Ti chnh v vic u i thu TNDN i vi cc t chc nim yt. Cng ty chng khon ngn hng Si Gn Thng Tn c min thu thu nhp doanh nghip cho nm 2007 v 2008 theo cc quy nh hin hnh v thu p dng cho cc Cng ty chng khon.

Thu nhp chu thu ca Ngn hng v cc Cng ty con do C quan Thu kim tra nh k v c th c nhng iu chnh khi quyt ton. Nm ti chnh 2008 cha c quyt ton thu.

95
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

39

THU NHp NHN VIN

2008 Triu ng S lng nhn vin (ngi) Thu nhp nhn vin Tng qu lng Thng Tng thu nhp Lng bnh qun nm Thu nhp bnh qun nm 588.186 138.496 726.682 86,7 107,1 352.904 57.623 410.527 57,8 67,3 6.784 2007 Triu ng 6.101

40

NGHA V I VI NGN SCH NH NC

Ngy 1.1.2008 Triu ng Thu GTGT Thu thu nhp doanh nghip Cc loi thu khc Cc chi ph khc 4.942 85.629 3.192 2.229 95.992 Tng gim trong nm S phi np Triu ng 130.498 155.174 81.460 72.508 439.640 S np Triu ng (123.692) (208.679) (65.467) (73.952) (471.790) Ngy 31.12.2008 Triu ng 11.748 32.124 19.185 785 63.842

41

TI SN TH CHp CA KHCH HNG M NGN HNG ANG GI

2008 Triu ng Bt ng sn My mc v thit b Phng tin vn ti Hng tn kho Giy t c gi Khc 56.205.542 2.523.318 4.310.631 3.823.449 4.350.700 3.465.184 74.678.824 2007 Triu ng 35.367.477 1.141.487 2.064.869 2.800.821 7.525.131 1.444.031 50.343.816

Ti sn th chp ca khch hng m Ngn hng ang gi c ghi nhn ngoi bng v c xc nh gi tr theo cc quy nh hin hnh ca Ngn hng Nh nc Vit Nam.

96
BO CO THNG NIN 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

42

CC CAM KT V N TIM TNG

Tng s tin ca cc bo lnh, th tn dng v cc cam kt khc cn hiu lc ti ngy ca bng cn i k ton nh sau: Ngy 31 thng 12 nm 2008 Bng tin ng Triu ng Th tn dng tr ngay Th tn dng tr chm Bo lnh vay tin Bo lnh thanh ton Bo lnh thc hin hp ng Bo lnh d thu Cc bo lnh khc Giao dch mua ngoi t giao ngay Giao dch bn ngoi t giao ngay Giao dch tr hon i ngoi t Giao dch nhn hon i ngoi t Giao dch quyn chn mua ngoi t Giao dch quyn chn bn ngoi t 1.638 15.039 425.436 195.145 41.517 79.350 5.473 7.601 771.199 Bng ngoi t v vng Triu ng 2.421.742 405.835 9.176 4.929 1.087 10.577 623.180 583.577 3.368.201 3.376.212 2.784 2.411 10.809.711 Tng cng Triu ng 2.423.380 405.835 15.039 434.612 200.074 42.604 89.927 623.180 583.577 3.373.674 3.383.813 2.784 2.411 11.580.910

Ngy 31 thng 12 nm 2007 Bng tin ng Triu ng Th tn dng tr ngay Th tn dng tr chm Bo lnh thanh ton Bo lnh thc hin hp ng Bo lnh d thu Cc bo lnh khc Giao dch mua ngoi t giao ngay Giao dch bn ngoi t giao ngay Giao dch hon i tin t S ngoi t hon i i trong giao dch hon i S ngoi t hon i n trong giao dch hon i 20.198 15.000 313.382 143.122 78.457 62.566 184.452 817.177 Bng ngoi t v vng Triu ng 5.852.919 265.046 61.203 22.323 4.283 13.111 528.866 585.885 600.624 781.795 8.716.055 Tng cng Triu ng 5.873.117 265.046 15.000 374.585 165.445 82.740 75.677 528.866 585.885 785.076 781.795 9.533.232

Trong qu trnh kinh doanh bnh thng, Tp on thc hin nhiu cam kt khc nhau v pht sinh mt s cc khon n tim tng, v cc cam kt v n tim tng c hch ton vo ngoi bng. Cc cam kt v n tim tng bao gm cc khon bo lnh, th tn dng, cc cam kt mua bn ngoi t c k hn v giao ngay cha thc hin. Tp on d kin khng b tn tht trng yu t cc nghip v ny.

97
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

43

CAM KT THU HOT NG

Cc hp ng thu hot ng khng hy ngang, Tp on phi tr mc ti thiu trong tng lai nh sau: Thu vn phng 2008 Triu ng Di 1 nm T 1 n 5 nm Trn 5 nm Tng cng cc khon thanh ton ti thiu 5.093 20.372 195.199 220.664 2007 Triu ng 6.446 19.337 183.460 209.243

Theo Hp ng thu vn phng s 39/2006/HDTVP ngy 08 thng 4 nm 2006 gia Ngn hng Si Gn Thng Tn (ngi i thu) v Tadimex (ngi cho thu), Ngn hng cam kt thu ta nh vn phng ti s 266-268, ng Nam K Khi Ngha, Qun 3, Thnh ph H Ch Minh trong thi hn 39 nm t ngy 01 thng 3 nm 2007 n ngy 28 thng 02 nm 2045 cho tng din tch vn phng l 20.317 m2. Theo iu khon ca hp ng thu, Ngn hng phi tm ng tng s tin l 3.500.000 la M cho Tadimex nhm ti tr mt phn vic xy dng ta nh vn phng ny. Tng s tin ny s c tr u vo cc k thanh ton trong vng 11 nm vi s tin nm u tin l 500.000 la M v mi nm tip theo l 300.000 la M k t khi bt u thi hn thu. Tin thu hng thng i vi ta nh cho nm u tin l 6 la M/m2/thng cho tng hm v 12 la M/m2/thng cho cc tng khc. Tin thu t nm th hai n ht nm th 39 ca thi hn thu s tng 1% mi nm. Sacombank ng thi cng c khon u t chin lc trong Tadimex.

44

CAM KT VN
2008 Triu ng Nh ca, my mc v thit b Ti sn c nh v hnh 359.212 41.126 400.338

45

CAM KT BO LNH
Vo ngy 03 thng 11 nm 2008 v ngy 06 thng 11 nm 2008, mt Cng ty con ca Ngn hng l Cng ty Qun l v Khai thc ti sn Ngn hng Si Gn Thng Tn k cc hp ng cm c ti sn vi mt ngn hng trong nc bo lnh cho mt Cng ty c lin quan ca Ngn hng Si Gn Thng Tn Cng ty ny vay tin ti ngn hng nu trn vi tng s hn mc tn dng l 50 t ng. Theo cc hp ng cm c, Cng ty Qun l v khai thc ti sn s dng 52 t ng tin gi c k hn ca mnh m bo cho khon vay ca Cng ty c lin quan ny. Cc cam kt bo lnh ny s ht hn vo thng 5 nm 2009.

98
BO CO THNG NIN 2008

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CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

46

GIAO DCH VI CC BN LIN QUAN

Trong nm, Tp on thc hin cc giao dch v s d vi cc bn lin quan nh sau: 2008 Triu ng Cc giao dch trong nm Chi tr li Thu nhp li nhn c Chi tr c tc Thu nhp t bn chng khon kinh doanh Bn chng khon kinh doanh Mua chng khon kinh doanh S d ti ngy 31 thng 12 S d tin gi khng k hn S d tin gi c k hn Tm ng thu vn phng S d cho vay u t chng khon n Mua c k hn chng khon vn Bo lnh vay tin 128.028 198.120 46.978 900.091 850.000 71.889 50.000 18.964 22.674 51.896 384.567 600.000 55.583 22.316 55.219 269.357 104.919 209.071 105.275 7.560 1.039 107.180 2007 Triu ng

Tng s lng v ph cp tr cho Hi ng Qun tr v Ban Tng Gim c ca Ngn hng trong nm tng ng l 7.293 triu ng (2007: 4.680 triu ng) v 14.423 triu ng (2007: 6.741 triu ng).

47

S Tp TRUNG CA TI SN V CNG N THEO VNG A L

Tin gi ca v tin vay t khch hng v cc TCTD khc Triu ng 58.312.503 1.030.357 59.342.860 Cc cng c ti chnh phi sinh (Tng gi tr hp ng) Triu ng 49.883 2.972.925 3.022.808 S thun ca chng khon kinh doanh v chng khon u t Triu ng 10.593.257 683 10.593.940

Cho vay khch hng v cho vay cc TCTD khc Triu ng Trong nc Ngoi nc 35.039.913 35.039.913

Cam kt tn dng Triu ng 782.256 2.829.215 3.611.471

99
BO CO THNG NIN 2008

48

QUN L RI RO TI CHNH

48.1 N V: Triu ng

Ri ro li sut

Bng di y tm tt ri ro li sut ca Tp on ti ngy 31 thng 12 nm 2008:

100
Qu hn Khng chu li sut Li sut th ni T 1-3 thng T 3-6 thng T 6-12 thng T 1-5 nm Trn 5 nm Trong vng 1 thng 208.407 208.407 6.928 423.509 1.304.456 1.696.288 2.653.558 15.343.418 50.000 50.000 5.044.129 12.119 13.575.264 8.259.292 8.789.867 15.219.027 71.156 15.752.611 5.377.152 1.214.448 6.627.100 475.278 5.619.264 530.575 462.428 35.500 400.000 900.174 7.158.597 8.458.771 8.458.614 324.787 2.899.752 690 178.887 179.577 62.590 1.337.085 1.399.675 514.462 514.462 24.186.327 3.060.280 31.022.701 747 3.775.347 1.678 613.987 14.287.508 2.564.462 17.467.635 3.124 36.835 4.319.893 741.409 5.101.261 6.227 43.500 31.250 2.911.732 1.176.523 4.169.232 23.438 18.685 218.750 358.689 116.389 735.951 16.947 250.000 2.081 269.028 208.407 208.407 13.943.743 13.943.743 (464.462) (17.447.437) (464.462) (17.447.437) (8.677.768) (8.677.768) 10.651.350 10.651.350 2.457.868 2.457.868 7.722.820 7.722.820 (89.451) (89.451)

BO CO THNG NIN 2008

Ngy 31 thng 12 nm 2008

Tng cng

8.458.614 3.224.539 7.047.767 475.278 6.928 35.008.871 9.108.716 1.304.456 1.696.288 2.653.558 68.985.015

Ti sn Tin mt v kim loi qu Tin gi ti NHNN Tin vng gi ti cc TCTD khc v cho vay cc TCTD khc (*) Chng khon kinh doanh (*) Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Cho vay khch hng (*) Chng khon u t (*) Gp vn, u t di hn Ti sn c nh Ti sn khc (*) Tng ti sn

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

N phi tr N Chnh ph v NHNN Tin gi ca v vay t cc TCTD khc Vn ti tr, y thc u t, cho vay TCTD chu ri ro Tin gi ca khch hng Chng ch tin gi v tri phiu N khc Tng n phi tr

52.161 4.488.354 1.014.462 46.128.820 7.659.063 1.337.085 60.679.945

Mc chnh nhy cm vi li sut-ni bng Mc chnh nhy cm vi li sut-ngoi bng Tng mc chnh nhy cm vi li sut

8.305.070 8.305.070

Mu S B 05/TCTD - HN

(*): khon mc ny khng tnh n d phng ri ro.

48

QUN L RI RO TI CHNH (tip theo)

48.2

Ri ro tin t

Bng di y tm tt ri ro hi oi ca Tp on ti ngy 31 thng 12 nm 2008. Bng trnh by cc ti sn v n ca Tp on theo gi tr ghi s v theo loi tin t. N V: Triu ng VND USD Vng EUR Jpy AUD CAD Khc Tng cng

Ti ngy 31 thng 12 nm 2008

1.218.436 3.129.592 4.614.252 475.278 (71.792) 29.549.928 9.100.143 1.304.456 1.696.288 2.257.139 53.273.720 2.889.283 3.047.358 8.573 7.245.749 (2.171.127) 2.381.930 9.710 7.398.728 (367.650) 29.655 379.994 974.625 (40.156) 30.976 (108.085) 36 34.968 435.013 1.085.590 849.899 7.064 30.728 7.934 (78.172) 216 15.010

770.575 94.947

6.092.625 -

82.727 -

64.068 -

112.289 -

85.032 -

32.862 17.287 (45.373) 6.463 11.239

8.458.614 3.224.539 7.047.767 475.278 6.928 35.008.871 9.108.716 1.304.456 1.696.288 2.653.558 68.985.015

Ti sn Tin mt v kim loi qu Tin gi ti NHNN Tin vng gi ti cc TCTD khc v cho vay cc TCTD khc (*) Chng khon kinh doanh (*) Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Cho vay khch hng (*) Chng khon u t (*) Gp vn, u t di hn Ti sn c nh Ti sn khc (*) Tng ti sn

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

N phi tr v vn ch s hu N chnh ph v NHNN Tin gi ca v vay t cc TCTD khc Vn ti tr, y thc u t, cho vay TCTD chu ri ro Tin gi ca khch hng Chng ch tin gi v tri phiu N khc Vn v cc qu Tng n phi tr 52.161 3.599.097 1.013.807 39.961.858 796.202 774.976 7.758.624 53.956.725 498.240 655 5.802.516 27.190 531.655 6.860.256 390.500 153.898 6.829.504 26.607 7.400.509 517 164.508 6.167 1.347 172.539

1.296 1.194 2.490

22.024 489 22.513

9.728 401 10.129

12.992 416 13.408

52.161 4.488.354 1.014.462 46.128.820 7.659.063 1.337.085 7.758.624 68.438.569

Mu S B 05/TCTD - HN

101

Trng thi tin t ni bng - rng Trng thi tin t ngoi bng Trng thi tin t ni ngoi bng

(683.005) (683.005)

385.493 942.301 1.327.794

(1.781) (899) (2.680)

802.086 (799.612) 2.474

28.486 (25.599) 2.887

12.455 (7.013) 5.442

4.881 4.881

(2.169) (2.169)

546.446 109.178 655.624

BO CO THNG NIN 2008

(*): khon mc ny khng tnh n d phng ri ro.

48

QUN L RI RO TI CHNH (tip theo)

48.3

Ri ro thanh khon

BO CO THNG NIN 2008

Bng di y tm tt cc khon ti sn v n ca Tp on theo nhm k hn tnh t ngy kt thc nm ti chnh n ngy o hn: N V: Triu ng Qu hn Trong vng 3 thng T 1-3 thng T 3-12 thng T 1-5 nm Trn 5 nm Trong vng 1 thng Trong hn Tng cng

102
Trn 3 thng 81.798 81.798 126.609 126.609 8.458.614 3.224.539 5.619.264 475.278 6.928 1.673.805 12.119 830.385 20.300.932 530.575 4.727.101 324.071 5.581.747 497.928 13.729.239 1.285.604 396.698 15.909.469 400.000 6.557.749 7.632.106 1.168.632 412.676 16.171.163 8.112.570 178.887 135.824 1.696.288 689.728 10.813.297 81.798 126.609 747 1.678 3.775.347 613.987 330 2.977 24.248.917 14.287.508 3.060.280 2.564.462 361.786 932.954 31.447.407 18.403.566 (11.146.475) (12.821.819) 9.351 80.335 130.104 7.231.625 1.917.932 14.781 9.384.128 6.525.341 23.438 18.685 582.848 358.689 116.389 27.564 1.127.613 15.043.550 16.947 298.203 2.081 317.231 10.496.066

Ti ngy 31 thng 12 nm 2008

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

Ti sn Tin mt v kim loi qu Tin gi ti NHNN Tin vng gi ti cc TCTD khc v cho vay cc TCTD khc (*) Chng khon kinh doanh (*) Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Cho vay khch hng (*) Chng khon u t (*) Gp vn, u t di hn Ti sn c nh Ti sn khc (*) Tng ti sn

8.458.614 3.224.539 7.047.767 475.278 6.928 35.008.871 9.108.716 1.304.456 1.696.288 2.653.558 68.985.015

N phi tr N chnh ph v NHNN Tin gi ca v vay t cc TCTD khc Vn ti tr, y thc u t, cho vay TCTD chu ri ro Tin gi ca khch hng Chng ch tin gi v tri phiu N khc Tng n phi tr Mc chnh thanh khon rng

52.161 4.488.354 1.014.462 46.128.820 7.659.063 1.337.085 60.679.945 8.305.070

Mu S B 05/TCTD - HN

(*): khon mc ny khng tnh n d phng ri ro.

THuyT MINH BO CO TI CHNH HP NHT

CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 Mu S B 05/TCTD - HN

49

CC S KIN SAU NGy BO CO TI CHNH

Vo ngy 08 thng 01 nm 2009, mt Cng ty lin doanh ca Ngn hng, cng ty Qun l qu Vit Nam c chuyn i t cng ty lin doanh thnh cng ty c phn theo s ph chun ca y Ban Chng Khon Nh nc.

Bo co ti chnh hp nht c Ban Tng Gim c ph chun ngy 06 thng 3 nm 2009.

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

___________________________ Trn Xun Huy Tng Gim c

103
BO CO THNG NIN 2008

BO CO TI CHNH RING CA NGN HNG CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

BNG CN I K TON
Mu S B 02/TCTD

Ghi ch A I II III IV 1 2 V VI 1 2 VII 1 2 3 1 2 3 4 5 IX 1 2 3 XI TI SN Tin v kim loi qu Tin gi ti Ngn hng Nh nc Tin gi ti cc t chc tn dng khc v cho vay cc t chc tn dng khc Chng khon kinh doanh Chng khon kinh doanh Tr: d phng gim gi chng khon kinh doanh Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc Cho vay khch hng Cho vay khch hng Tr: D phng ri ro tn dng Chng khon u t Chng khon u t sn sng bn Chng khon u t gi n ngy o hn Tr: D phng gim gi chng khon u t u t vo cng ty con Vn gp lin doanh u t vo cng ty lin kt u t di hn khc Tr: D phng gim gi u t di hn Ti sn c nh Ti sn c nh hu hnh Ti sn c nh thu ti chnh Ti sn c nh v hnh Ti sn khc TNG CNG TI SN 13 15 14 16 10.1 10.2 10.1 11 11 11 12 11,12 8 9 6 6 7 3 4 5

Ti ngy 31 thng 12 2008 2007 Triu ng Triu ng

8.456.098 3.223.947 6.676.755 286.896 (98.641) 6.928 33.677.315 (249.608) 8.034.160 915.090 (69.716) 2.004.000 51.000 33.000 798.463 (42.938) 847.819 16.655 653.796 2.248.112 67.469.131

3.334.708 3.826.932 4.305.092 4.080.867 (2.547) 4.911 34.315.817 (176.557) 7.066.985 1.909.112 (698) 1.394.000 51.000 33.000 666.209 579.452 18.738 405.155 1.551.639 63.363.815

VIII Gp vn, u t di hn

104
BO CO THNG NIN 2008

BO CO TI CHNH RING CA NGN HNG CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008

BNG CN I K TON (tip theo)

Mu S B 02/TCTD

Ghi ch B I II III V VI VII N pHI TR V VN CH S HU Cc khon n Chnh ph v Ngn hng Nh nc Tin gi v vay cc t chc tn dng khc Tin gi ca khch hng Vn ti tr, y thc u t, cho vay cc t chc tn dng chu ri ro Chng ch tin gi Cc khon n khc 17 18 19 20 21 22

Ti ngy 31 thng 12 2008 2007 Triu ng Triu ng

52.161 4.254.114 46.413.856 1.014.462 6.869.063 1.227.311

750.177 4.099.140 44.026.674 1.003.293 4.897.380 1.406.517

TNG N pHI TR VIII VN V CC QU Vn v cc qu ca ch s hu Ngn hng 1 2 5 Vn Cc qu d tr Li nhun cha phn phi 23 24 24

59.830.967

56.183.181

5.977.578 719.087 941.499

5.662.485 387.659 1.130.490

TNG VN CH S HU TNG N pHI TR V VN CH S HU CC CAM KT V N TIM TNG 41

7.638.164 67.469.131 11.580.910

7.180.634 63.363.815 9.533.232

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

___________________________ Trn Xun Huy Tng Gim c Ngy 06 thng 3 nm 2009

105
BO CO THNG NIN 2008

BO CO TI CHNH RING CA NGN HNG CHO NM TI CHNH KT THC NGy 31 THNG 12 NM 2008 BO CO KT Qu HOT NG KINH DOANH
Mu S B 03/TCTD

Ghi ch 1 2 I 3 4 II III IV V 5 6 VI Thu nhp li v cc khon thu nhp tng t Chi ph li v cc chi ph tng t Thu nhp li thun Thu nhp t hot ng dch v Chi ph hot ng dch v Li thun t hot ng dch v Li thun t hot ng kinh doanh ngoi hi v vng Li thun t mua bn chng khon kinh doanh (L)/ Li thun t mua bn chng khon u t Thu nhp t hot ng khc Chi ph hot ng khc Li thun t hot ng khc 33 34 31 32 35 35 27 28 25 26

Nm kt thc ngy 31 thng 12 2008 2007 Triu ng Triu ng 6.955.193 (5.976.652) 978.541 544.863 (107.056) 437.807 482.607 111.736 (64.624) 124.736 (8.571) 116.165 222.247 (1.120.962) 3.312.607 (2.204.380) 1.108.227 188.554 (61.496) 127.058 100.827 478.679 194.769 5.462 (2.711) 2.751 255.933 (698.654)

VII Thu nhp t gp vn, mua c phn VIII Chi ph qun l chung IX Li nhun thun t hot ng kinh doanh trc chi ph d phng ri ro tn dng Chi ph d phng ri ro tn dng Tng li nhun trc thu Chi ph thu TNDN hin hnh Chi ph thu TNDN hon li

1.163.517 (72.968) 1.090.549 37 37 (117.249) -

1.569.590 (117.472) 1.452.118 (171.953) -

X XI 7 8

XII

Chi ph thu TNDN

(117.249) 973.300

(171.953) 1.280.165

XIII Li nhun thun trong nm

___________________________ Nguyn Vit An Lp bng

___________________________ L Hng Cng K ton trng

106
BO CO THNG NIN 2008

___________________________ Trn Xun Huy Tng Gim c Ngy 06 thng 3 nm 2009

107
BO CO THNG NIN 2008

HOT NG QuAN H NH u T

NM 2008 NH Du MT NM KHNG THNH CNG CA TH TRNG CHNG KHON VIT NAM KHI CHNG KHON CA CC CNG Ty TRN TH TRNG C MC GIM MNH T 65% N 68%, A VIT NAM TR THNH MT TRONG NHNG TH TRNG GIM MNH NHT KHu VC. NN KINH T LM PHT CAO TRONG NA u NM V TNH TRNG TH GII RI VO KHNG HONG KINH T TRM TRNG NA CuI NM KHIN GI TR VN HA CA CHNG KHON VIT NAM TRN C HAI SN MT HN 268.000 T NG, TNG NG 16 T LA M (uSD). MC D KHNG NM NGOI Xu HNG GIM GI CHuNG CA TH TRNG TRONG NM 2008, NHNG STB VN C NH GI L C PHIu C TNH THANH KHON CAO THNG QuA VAI TR DN DT CH S VN-INDeX CNG NH KHI LNG GIAO DCH LN, N NH V THu HT S QuAN TM CA GII u T TRONG V NGOI NC.

108
BO CO THNG NIN 2008

HOT NG QuAN H NH u T

Su thng u nm 2008, chnh sch tht cht tin t do lm pht v tnh trng nhp siu leo thang sit cht dng vn vo th trng chng khon. Bn cnh , mi lo ngi v kh nng suy thoi kinh t su hn khin cc nh u t tip tc chuyn dng vn sang cc knh u t khc cng gp phn to ra thm p lc cho th trng. Tip l s lan rng v trm trng hn ca cuc khng hong tn chp M cng nh th gii trong na cui nm tip tc ko th trng i xung su sau khi cc ch s chng khon c du hiu hi phc u Qu III nh kinh t trong nc bt u n nh. Mc d khng nm trong tm ca cuc khng hong nhng kinh t Vit Nam vn b tc ng gin tip do suy thoi ton cu. Trong t suy gim ny, nh u t nc ngoi ng vai tr quan trng khi lin tc bn ra mnh tri phiu v c phiu nh mt ng c nhm bo ton vn gp phn y th trng gim su hn trc. Trong bi cnh khng c thun li nh vy, Sacombank ly kin c ng v vic thay i k hoch tng vn iu l v pht hnh c phiu ra cng chng nm 2008 nh sau: Hy k hoch pht hnh thm c phiu cho c ng hin hu (20%/vn c phn); Hy k hoch pht hnh c phiu cho Cn b ct cn ca Ngn hng (3 triu c phiu); Hy k hoch pht hnh cho nh u t nc ngoi (gn 1,3 triu c phiu).

Tuy nhin, Sacombank vn m bo c tc dnh cho c ng mc 15% (tng ng t l 20:3), c ng s hu mt (01) c phiu s hng c mt (01) quyn, v c hai mi (20) quyn s nhn c ba (03) c phiu. Sau t tng vn bng hnh thc pht hnh c phiu chia c tc nm 2007 cho cc c ng theo t l 15%, vn iu l ca Sacombank t 5.116 t ng, vn ch s hu l 7.811 t ng. Trong nm qua, hot ng ca c phiu STB ghi nhn s kin T chc Ti chnh Quc t (IFC) - thnh vin ca Ngn hng Th gii (WB), mt trong ba c ng chin lc nc ngoi thc hin thoi vn ti Sacombank. Ln u, IFC bn 5.953.170 c phiu STB bt u t ngy ngy 31/01/2008 v n ngy 15/12/2008, IFC tip tc cng b nh bn tip 50% s c phn, tng ng vi 16.083.664 c phiu m IFC ang nm gi ti Sacombank vi thi gian d kin thc hin giao dch l 60 ngy k t ngy 17/12/2008. Quyt nh ny c a ra sau khi IFC hon thnh vic h tr Sacombank tr thnh mt trong nhng ngn hng thng mi c phn hng u ti Vit Nam nh mc tiu cam kt ban u. Ngoi ra, quan h hp tc gia IFC v Sacombank vn tip tc c tng cng trong lnh vc pht trin sn phm mi nh ti tr trung v di hn cho vic mua sm nh, ti tr my mc thit b tit kim nng lng, cng nh cc sn phm ti tr thng mi, xut nhp khu Cho n nay, IFC u t v cam kt u t khong 88 triu uSD vo Sacombank. Vic IFC thoi mt phn vn ti Sacombank v chuyn sang cc hnh thc hp tc khc hon ton nm trong l trnh hot ng c ch ng ca c hai t chc. Trong khi IFC thoi vn th cc t chc nc ngoi khc ng k mua li s c phn ny. Do vy, tnh n thi im 31/12/2008, t l s hu vn c phn dnh cho nh u t nc ngoi ti Sacombank vn lun mc ti a l 30% theo quy nh. iu ny chng t tnh thanh khon v sc ht ca STB i vi gii u t vn l rt ln. Tuy vy, trong nm 2008, STB vn khng nm ngoi xu th gim gi chung ca th trng. Trc tnh hnh trn, Hi ng Qun tr Sacombank thng nht quyt nh s dng Qu D tr b sung vn iu l v thng d vn c phn mua 25 triu c phiu STB (tng ng 4,88% vn iu l) c nim yt ti S Giao dch Chng khon Thnh ph H Ch Minh lm c phiu qu. Mc ch ca vic mua c phiu lm c phiu qu l nhm n nh th gi STB trn th trng chng khon. Sacombank cng gia hn thi gian mua c phiu n ngy 31/12/2008 thay v n ngy 18/12/2008 nhm tip tc gp phn bnh n th gi STB trn th trng v m bo hon thnh k hoch mua c phiu qu nh ng k ban u. n ngy 31/12/2008, s lng c phiu mua c l 18.265.270 c phiu, tng ng gn 73,06% khi lng ng k mua. y l mt con s rt ng khch l, th hin s quan tm ca Ban Lnh o Sacombank i vi cc c ng v nh u t.

109
BO CO THNG NIN 2008

HOT NG QuAN H NH u T

Trong nm 2008, tng cng mi quan h vi nh u t, Sacombank pht trin B phn Quan h Nh u t (IR) ti Phng i ngoi v nhm Quan h Nh u t trc thuc Vn phng Hi ng Qun tr hot ng song song cng T qun l vn c phn trc thuc Hi ng Qun tr. Bn cnh lm u mi trong vic cung cp thng tin n cc t chc u t quc t, cc b phn p ng tt nht nhu cu thng tin ca cc nh u t trong nc thng qua c ch m bo cc thng tin lun y , kp thi v chnh xc theo hng minh bch v chun mc quc t. Mt trong nhng im nhn ca hot ng quan h nh u t trong nm qua l s ra i ca Bn tin Nh u t - mt n phm song ng Anh - Vit kp thi mang n nhng thng tin quan trng v cp nht nht v cc hot ng ca th trng chng khon, ti chnh tin t ni chung v Tp on Sacombank ni ring n vi gii u t. Song song , trang Web Sacombank c thit k song ng Vit - Anh cng thc hin cp nht thng tin lin tc v chnh xc theo quy nh ca t chc nim yt ti Vit Nam v theo tiu chun quc t v hot ng quan h nh u t. Cng trong mc tiu hng ti s minh bch v thng tin, Sacombank dnh gii nht Cuc bnh chn Bo co thng nin nm 2007 do S Giao dch Chng khon, bo u t Chng khon v Cng ty Qun l qu Dragon Capital t chc. Bo co thng nin nm 2007 ca Sacombank xp v tr dn u cc n v nim yt ti S Giao dch Chng khon Thnh ph H Ch Minh v cc tiu ch: tun th chun mc, minh bch thng tin v sng to trong cch th hin. ng thi vi nhng n lc duy tr s bnh n ca th gi STB trong mt nm y bin ng ca th trng chng khon Vit Nam, cc hot ng quan h nh u t ti Sacombank ang dn c chuyn nghip ha. iu ny nhm gp phn thc hin tn ch hot ng ca Sacombank l lun hng v li ch ca nh u t v c ng - nhng ngi ng hnh cng s pht trin ca Ngn hng trong sut thi gian 17 nm qua v c con ng tng lai pha trc.

110
BO CO THNG NIN 2008

HOT NG QuAN H NH u T

DIN BIN GI C pHIU STB NM 2008

70.000 60.000 50.000 40.000 30.000 20.000 10.000

02/0

1/08 0/01/08 6/03/08 7/04/08 2/05/08 2/06/08 0/07/08 7/08/08 8/09/08 6/10/08 3/11/08 1/12/08 9/12/08 3 0 0 1 1 1 0 0 0 0 0 2

M CHNG KHON Ngy nim yt trn S Giao dch Chng khon TP HCM S lng c phiu lu hnh Mnh gi Gi tr vn ha (ti thi im 31/12/2008)

C PHIu STB 12/07/2006 511.583.084 c phiu 10.000 ng 95.157.676.000.000 ng

Mc Cao nht Thp nht Trung bnh

Thng 1 65.500 57.500 61.311

Thng 2 64.500 51.000 57.211

Thng 3 51.000 34.500 42.252

Thng 4 40.400 33.500 37.498

Thng 5 32.900 24.500 28.494

Thng 6 24.100 19.700 21.549

Thng 7 29.800 21.800 25.272

Thng 8 34.200 21.700 26.578

Thng 9 32.900 23.100 26.710

Thng 10 25.000 18.300 21.614

Thng 11 24.600 19.200 22.195

Thng 12 20.300 17.800 18.877

C Cu C NG N NGy 07/01/2009
C CU C NG PHP NHN Trong nc Nc ngoi TH NHN Trong nc Nc ngoi TNG CNG 2.850.762.150.000 4.076.710.000 5.115.830.840.000 55,72 0,08 100,00 69.514 149 70.031 727.288.320.000 1.533.703.660.000 14,22 29,98 337 31 VN S HU T L %/VL S LNG C NG

111
BO CO THNG NIN 2008

MNG LI HOT NG
HI S
266-268 Nam K Khi Ngha, Phng 8, Qun 3, TP H Ch Minh T: (84 8) 39 320 420 Fax: (84 8) 39 320 424 7 PGD nh Cng 12D18 Khu th mi nh Cng, Hong Mai, H Ni T: (84 4) 36 404 061 Fax: (84 4) 36 404 062 PGD Bch Khoa 10 T Quang Bu, Bch Khoa, Hai B Trng, H Ni T: (84 4) 62 781 536 Fax: (84 4) 62 781 545 Chi nhnh ng a 360 Ty Sn, ng a, H Ni T: (84 4) 35 640 455 Fax: (84 4) 35 640 456 PGD H Ty 737 Quang Trung, H ng, H Ty T: (84 343) 824 047 Fax: (84 343) 824 047 Chi nhnh Long Bin 484 Nguyn Vn C, Gia Thy, Long Bin, H Ni T: (84 4) 36 522 055 Fax: (84 4) 36 522 066 7 Chi nhnh Thng Long 60A Nguyn Ch Thanh, Lng Thng, ng a, H Ni T: (84 4) 37 756 707 Fax: (84 4) 37 756 708 Chi nhnh ng 363 Hong Quc Vit, Ngha Tn, Cu Giy, H Ni T: (84 4) 37 915 299 Fax: (84 4) 37 915 289

KHu VC H NI
1 Chi nhnh Th 88 L Thng Kit, Ca Nam, Hon Kim, H Ni T: (84 4) 39 428 095 Fax: (84 4) 39 428 085 Phng giao dch (PGD) S 2 87 Hng Bc, Hon Kim, H Ni T: (84 4) 39 261 392 Fax: (84 4) 39 261 392 PGD ng Xun 12 Trn Nht Dut, ng Xun, Hon Kim, H Ni T: (84 4) 39 290 135 Fax: (84 4) 39 283 725 PGD Hon Kim 16e ng Thnh, Hon Kim, H Ni T: (84 4) 39 232 140 Fax: (84 4) 39 230 822 PGD Thy Khu 153A Thy Khu, Ty H, H Ni T: (84 4) 37 281 466 Fax: (84 4) 37 281 467 PGD L Nam 10A3 L Nam , Hng M, Hon Kim, H Ni T: (84 4) 37 478 418 Fax: (84 4) 37 478 419 Chi nhnh 8 thng 3 248B Ph Hu, Hai B Trng, H Ni T: (84 4) 39 743 833 Fax: (84 4) 39 743 822 Chi nhnh H Ni 65 Ng Th Nhm, Hai B Trng, H Ni T: (84 4) 39 436 007 Fax: (84 4) 39 432 988 PGD Ch M 442 Bch Mai, Trng nh, Hai B Trng, H Ni T: (84 4) 62 781 707 Fax: (84 4) 62 781 700

15 PGD Quan Hoa 65 Trn ng Ninh, Cu Giy, H Ni T: (84 4) 37 930 094 Fax: (84 4) 37 910 950 16 PGD Ty H 258 Lc Long Qun, Phng Bi, Ty H, H Ni T: (84 4) 37 590 099 Fax: (84 4) 37 591 586

KHu VC MIN BC
9 Chi nhnh Hng yn Km22 + 500 Quc L 5A, Th trn Bn yn Nhn, M Ho, Hng yn T: (84 321) 3 942 905 Fax: (84 321) 3 942 387

10 PGD yn Vin 455 H Tuy Tp, yn Vin, Gia Lm, H Ni T: (84 4) 36 982 936 Fax: (84 4) 36 982 936 11 PGD Tru Qu 74A&74B T Voi Phc, Th trn Tru Qu, Gia Lm, H Ni T: (84 4) 36 763 070 Fax: (84 4) 36 763 071 12 PGD Ng Gia T 247 Ng Gia T, Long Bin, H Ni T: (84 4) 36 522 055 Fax: (84 4) 36 522 066 13 PGD ng Anh 31 Cao L, uy N, ng Anh, H Ni T: (84 4) 39 653 801 Fax: (84 4) 39 653 800 6 Chi nhnh Thanh Tr 110 Khu ch Vn in, Thanh Tr, H Ni T: (84 4) 36 814 855 Fax: (84 4) 36 814 856

17 PGD Ph Hin 279 in Bin, Hng yn T: (84 321) 3 866 770 Fax: (84 321) 3 866 769 18 PGD B Thi Th t B Thi, Hng Tin, Khoi Chu, Hng yn T: (84 321) 3 920 690 Fax: (84 321) 3 920 689 19 PGD yn M 22 Th trn yn M, Hng yn T: (84 321) 3 962 979 Fax: (84 321) 3 962 978 20 PGD Ph L T 1, Quc l 1A, Minh Khai, Ph L, H Nam T: (84 351) 3 828 878 Fax: (84 351)3 828 979 21 PGD Vn Lm Thn Ngc Qunh, Th trn Nh Qunh, Vn Lm, Hng yn T: (84 321) 3 785 614 Fax: (84 321) 3 785 613

14 PGD Thng Tn Ph Ga, Th trn Thng Tn, H Ty T: (84 343) 765 536 Fax: (84 343) 765 534

112 112
BO CO THNG NIN 2008

MNG LI HOT NG

10 Chi nhnh Bc Ninh 202 Trn Ph, T Sn, Bc Ninh T: (84 241) 3 743 965 Fax: (84 241) 3 760 352 22 PGD Tin Du Th trn Lim, Tin Du, Bc Ninh T: (84 241) 3 710 711 Fax: (84 241) 3 710 711 23 PGD Tin An 340 Ng Gia T, Tin An, Bc Ninh T: (84 241) 3 811 622 Fax: (84 241) 3 811 622 11 Chi nhnh Thanh Ha 2 Phan Chu Trinh, in Bin, Thanh Ha T: (84 373) 715 750 Fax: (84 373) 715 753 24 PGD Nguyn Tri 233 Nguyn Tri, Thanh Ha T: (84 373) 3 757 661 Fax: (84 373) 3 757 675 25 PGD Bm Sn 5 Nguyn Hu, Ngc Tro, Bm Sn, Thanh Ha T: (84 373) 3 771 884/86 Fax: (84 373) 3 771 887 12 Chi nhnh Lng Sn 8 Ng Quyn, Vnh Tri, Lng Sn T: (84 25) 3 716 324 Fax: (84 25) 3 716 325 26 PGD Tn Thanh Kiot 86-88-90, ng chnh Ca Khu Tn Thanh, Lng Sn T: (84 25) 3 888 579 Fax: (84 25) 3 888 581 13 Chi nhnh Hi Dng 144 Thng Nht, L Thanh Ngh, Hi Dng T: (84 320) 3 833 208 Fax: (84 320) 3 833 209 27 PGD Sao 119 Nguyn Tri 1, Th trn Sao , Ch Linh, Hi Dng T: (84 320) 3 589 347 Fax: (84 320) 3 589 348 28 PGD Ph Thi Ph Ga, Th trn Ph Thi, Kim Thnh, Hi Dng T: (84 320) 3 726 388 Fax: (84 320) 3 726 389

29 PGD K St 158 Khu ng 5, X Trng Lit, Bnh Giang, Hi Dng T: (84 320) 3 773 371 Fax: (84 320) 3 773 372 14 Chi nhnh Hi Phng 62-64 Tn c Thng, Trn Nguyn Hn, L Chn, Hi Phng T: (84 313) 3 719 999 Fax: (84 313) 3 719 991 30 PGD Tam Bc 102A Quang Trung, Phan Bi Chu, Hng Bng, Hi Phng T: (84 313) 3 521 058 Fax: (84 313) 3 521 059 31 PGD Lch Tray 288 ng Lch Tray, Knh Dng, L Chn, Hi Phng T: (84 313) 3 734 016 Fax: (84 313) 3 734 017 15 Chi nhnh Qung Ninh 607 L Thnh Tng, H Long, Qung Ninh T: (84 33) 3 696 789 Fax: (84 33) 3 696 966

35 PGD ng H 86 L Dun, Phng 1, ng H, Qung Tr T: (84 53) 3 553 800 Fax: (84 53) 3 553 801 36 PGD Hng Ha Khm 1, Th trn Khe Sanh, Hng Ha, Qung Tr T: (84 53) 3 781 940 Fax: (84 53) 3 781 941 18 Chi nhnh Tha Thin Hu 126 Nguyn Hu, Ph Nhun, Tha Thin Hu T: (84 54) 3 834 979 Fax: (84 54) 3 834 980 37 PGD An Cu 144 Hng Vng, Ph Nhun, Tha Thin Hu T: (84 54) 3 814 181 Fax: (84 54) 3 814 243 38 PGD Ph Bi Khu 4, Th trn Ph Bi, Hng Thy, Tha Thin Hu T: (84 54) 3 851 032 Fax: (84 54) 3 851 033 39 PGD Ty Lc 172 (s c 02) Nguyn Tri, Ty Lc, Tha Thin Hu T: (84 54) 3 539 366 Fax: (84 54) 3 539 365 40 PGD Ph Xun 49 Trn Hng o, Ph Ha, Tha Thin Hu T: (84 54) 3 513 865 Fax: (84 54) 3 513 850 41 PGD Hng Tr Khu vc 9, Th trn T H, Huyn Hng Tr, Tha Thin Hu T: (84 54) 3 758 686 Fax: (84 54) 3 758 689 19 Chi nhnh Nng 130-130A-132 Bch ng, Hi Chu, Nng T: (84 511) 3 582 612 Fax: (84 511) 3 582 613 42 PGD Ch Cn 225 ng ch Khim, T 58 Cu Vng, Hi Chu, Nng T: (84 511) 3 866 368 Fax: (84 511) 3 866 369

KHu VC MIN TRuNG

16 Chi nhnh Qung Bnh 254 Trn Hng o, Nam L, ng Hi, Qung Bnh T: (84 52) 3 846 846 Fax: (84 52) 3 844 966 32 PGD B Trch QL 1A, TK 2, Hon Lo, B Trch, Qung Bnh T: (84 52) 3 612 444 Fax: (84 52) 3 612 555 17 Chi nhnh Qung Tr 43 Trn Hng o, Phng 1, ng H, Qung Tr T: (84 53) 3 555 889 Fax: (84 53) 3 555 890 33 PGD Vnh Linh Khm Hu Ngh, Th trn H X, Vnh Linh, Qung Tr T: (84 53) 2 217 862 Fax: (84 53) 3 622 261 34 PGD Triu Hi 220 Trn Hng o, Phng 2, Qung Tr T: (84 53) 3 664 458 Fax: (84 53) 3 664 457

113
BO CO THNG NIN 2008

43 PGD Thanh Kh 568 in Bin Ph, Thanh Kh ng, Thanh Kh, Nng T: (84 511) 3 725 542 Fax: (84 511) 3 725 543 44 PGD Sn Tr 617 Ng Quyn, An Nhn ng, Sn Tr, Nng T: (84 511) 3 260 099 Fax: (84 511) 3 260 010 45 PGD Cm L 179 ng ch ng, Khu Trung, Cm L, Nng T: (84 511) 3 247 000 Fax: (84 511) 3 696 700 46 PGD Hong Anh Plaza 1 Nguyn Vn Linh, Nam Dng, Hi Chu, Nng T: (84 511) 3 254 767 Fax: (84 511) 3 254 768 47 PGD Hong Diu 202 Hong Diu, Nam Dng, Hi Chu, Nng T: (84 511) 3 573 665 Fax: (84 511) 3 251 661 20 Chi nhnh Qung Nam L 8 Khu TTTM, Tam K, Qung Nam T: (84 510) 3 821 821 Fax: (84 510) 3 821 820 48 PGD Nam Phc 37 T 2, Khu ph 2, Long Xuyn, Nam Phc, Duy Xuyn, Qung Nam T: (84 510) 3 777 123 Fax: (84 510) 3 777 125 49 PGD Tam K 568 Phan Chu Trinh, Tam K, Qung Nam T: (84 510) 3 835 366 Fax: (84 510) 3 835 355 50 PGD Hi An 91 Trn Hng o, Th x Hi An, Qung Nam T: (84 510) 3 911 031 Fax: (84 510) 3 911 266 51 PGD Chu Lai Khi 2, Th trn Ni Thnh, Qung Nam T: (84 510) 3 571 766 Fax: (84 510) 3 571 755

21 Chi nhnh Qung Ngi 449 Quang Trung, Qung Ngi T: (84 55) 3 715 555 Fax: (84 55) 3 715 557 22 Chi nhnh Bnh nh 98 Mai Xun Thng, L Thng Kit, Quy Nhn, Bnh nh T: (84 56) 3 817 493 Fax: (84 56) 3 817 312 52 PGD p Khu vc Bng Chu, Th trn p , An Nhn, Bnh nh T: (84 56) 3 639 702 Fax: (84 56) 3 639 704 53 PGD L Li 131 L Li, Phng Trn Hng o, Quy Nhn, Bnh nh T: (84 56) 3 817 177 Fax: (84 56) 3 817 176 54 PGD Bng Sn 243 Quang Trung, Th trn Bng Sn, Hoi Nhn, Bnh nh T: (84 56) 3 961 370 Fax: (84 56) 3 961 373 55 PGD Ty Sn 311 Quang Trung, Th trn Ph Phong, Ty Sn, Bnh nh T: (84 56) 3 580 939 Fax: (84 56) 3 580 940 56 PGD Tam Quan 288 QL 1A, Th trn Tam Quan, Hoi Nhn, Bnh nh T: (84 56) 3 860 180 Fax: (84 56) 3 860 182 23 Chi nhnh Ph yn 97 Nguyn Tri, Phng 4, Tuy Ha, Ph yn T: (84 57) 3 893 341 Fax: (84 57) 3 893 342 57 PGD Nam Tuy Ha 374 Nguyn Vn Linh, Ph Lm, Tuy Ha, Ph yn T: (84 57) 3 851 851 Fax: (84 57) 3 851 850 58 PGD Sng Cu ng Trn Hng o, Th trn Sng Cu, Ph yn T: (84 57) 3 728 788 Fax: (84 57) 3 728 789 24 Chi nhnh Gia Lai 38 Nguyn Thin Thut, Din Hng, Pleiku, Gia Lai T: (84 59) 3 720 074 Fax: (84 59) 3 720 073

59 PGD KonTum 73A Phan nh Phng, Quang Trung, KonTum T: (84 60) 3 913 457 Fax: (84 60) 3 913 458 60 PGD Ch S 74B Hng Vng, Th trn Ch S, Gia Lai T: (84 59) 6 258 006/007 Fax: (84 59) 6 258 009

KHu VC MIN NG NAM B & Ty NGuyN

25 Chi nhnh Khnh Ha 54A yersin, Phng Si, Nha Trang, Khnh Ha T: (84 58) 3 817 594 Fax: (84 58) 3 817 698 61 PGD Ninh Ha 290 Trn Qu Cp, Ninh Ha, Khnh Ha T: (84 58) 3 630 864 Fax: (84 58) 3 630 863 62 PGD Nha Trang 65 Nguyn Tri, Phc Tin, Nha Trang, Khnh Ha T: (84 58) 3 515 495 Fax: (84 58) 3 515 708 63 PGD L Hng Phong 193 L Hng Phong, Phc Ha, Nha Trang, Khnh Ha T: (84 58) 3 889 192 Fax: (84 58) 3 889 194 64 PGD Cam Ranh 134-136 QL 1, Phng Ba Ngi, Cam Ranh, Khnh Ha T: (84 58) 3 954 300 Fax: (84 58) 3 954 302 65 PGD Vn Ninh 128 Hng Vng, Th trn Vn Gi, Vn Ninh, Khnh Ha T: (84 58) 3 913 264/65 Fax: (84 58) 3 913 266 26 Chi nhnh Ninh Thun 336 Thng Nht, Ph H, Phan Rang - Thp Chm, Ninh Thun T: (84 68) 3 832 300 Fax: (84 68) 3 832 301 27 Chi nhnh Bnh Thun 126 Trn Hng o, Phan Thit, Bnh Thun T: (84 62) 3 834 651 Fax: (84 62) 3 834 656

114 114
BO CO THNG NIN 2008

MNG LI HOT NG

66 PGD LaGi 63 L Li, Th x LaGi, Bnh Thun T: (84 62) 3 841 760 Fax: (84 62) 3 841 761 28 Chi nhnh k Lk 130-132 L Hng Phong, Thng Nht, Bun Ma Thut, k Lk T: (84 500) 3 861 105 Fax: (84 500) 3 861 104 67 PGD k Nng L D1, KCN Tm Thng, C Jt, k Nng T: (84 501) 3 683 798 Fax: (84 501) 3 683 632 68 PGD eakar 3B Th trn eakar, k Lk T: (84 500) 3 626 960 Fax: (84 500) 3 626 961 69 PGD Bun Ma Thut 362-364 L Dun, Bun Ma Thut, k Lk T: (84 500) 3 861 102 Fax: (84 500) 3 861 101 70 PGD Bun H 207 Hng Vng, Th trn Bun H, Huyn KrngBuk, k Lk T: (84 500) 3 571 458/59 Fax: (84 500) 3 571 457 29 Chi nhnh Lm ng 32 Ha Bnh, ng 3 thng 2, Phng 1, Lt, Lm ng T: (84 63) 3 511 083 Fax: (84 63) 3 511 083 71 PGD Bo Lc 43 L Th Pha, Bo Lc, Lm ng T: (84 63) 3 711 254 Fax: (84 63) 3 711 254 72 PGD c Trng 456 QL 20, KP 2, Th trn Lin Ngha, c Trng, Lm ng T: (84 63) 3 649 161 Fax: (84 63) 3 649 162 73 PGD Quang Trung 26 Quang Trung, Phng 9, Lt, Lm ng T: (84 63) 3 826 600 Fax: (84 63) 3 826 600 30 Chi nhnh Bnh Phc Khu ph Ph Thanh, Tn Ph, ng Xoi, Bnh Phc T: (84 651) 3 888 092 Fax: (84 651) 3 883 569

74 PGD Phc Long 217 Khu ph 2, Phc Bnh, Phc Long, Bnh Phc T: (84 651) 3 775 201 Fax: (84 651) 3 775 201 75 PGD Bnh Long 158 Trn Hng o, KP4, Bnh Long, Bnh Phc T: (84 651) 3 682 692 Fax: (84 651) 3 682 692 31 Chi nhnh Bnh Dng 431 i l Bnh Dng, Khu 1, Ph Cng, Th Du Mt, Bnh Dng T: (84 650) 3 859 593 Fax: (84 650) 3 859 591 76 PGD Th Du Mt 77-79 on Trn Nghip, Th Du Mt, Bnh Dng T: (84 650) 3 859 961 Fax: (84 650) 3 859 962 77 PGD Bn Ct 160 T 6, p Cy Sn, Lai uyn, Bn Ct, Bnh Dng T: (84 650) 3 562 863 Fax: (84 650) 3 552 033 78 PGD D An 12A/22 Trn Hng o, p Bnh Minh, Th trn D An, Bnh Dng T: (84 650) 3 734 840 Fax: (84 650) 3 734 841 79 PGD Li Thiu C186A T 18, Khu ph Bnh c, Li Thiu, Thun An, Bnh Dng T: (84 650) 3 760 375 Fax: (84 650) 3 760 437 80 PGD M Phc Khu ph 1, i l Bnh Dng, M Phc, Bn Ct, Bnh Dng T: (84 650) 3 559 669 Fax: (84 650) 3 559 668 81 PGD Tn Phc Khnh 34 ng T 746, Tn Phc Khnh, Tn uyn, Bnh Dng T: (84 650) 3 612 060 Fax: (84 650) 3 612 062 32 Chi nhnh Ty Ninh 149G 30 thng 4, Phng 1, Ty Ninh T: (84 66) 3 810 414 Fax: (84 66) 3 810 419 82 PGD Tn Chu p Tn Ha, Tn Ph, Tn Chu, Ty Ninh T: (84 66) 3 759 023 Fax: (84 66) 3 759 004

83 PGD G Du 2/24 p Thanh H, G Du, Ty Ninh T: (84 66) 3 520 300 Fax: (84 66) 3 520 299 84 PGD Ha Thnh L 13-L 14, Dy A, TTTM Ha Thnh, Ty Ninh T: (84 66) 3 831 010 Fax: (84 66) 3 831 009 85 PGD Trng Bng KP Lc Du, X Trng Bng, Ty Ninh T: (84 66) 3 890 158 Fax: (84 66) 3 890 159 33 Chi nhnh ng Nai 87-89 ng 30/4, Thanh Bnh, Bin Ha, ng Nai T: (84 61) 3 946 067 Fax: (84 61) 3 946 068 86 PGD Long Khnh 908B Hng Vng, Xun Lc, Long Khnh, ng Nai T: (84 61) 3 783 587 Fax: (84 61) 3 783 443 87 PGD H Nai 367/8 Xa l H Ni, Khu ph 5B, Tn Bin, Bin Ha, ng Nai T: (84 61) 3 884 149 Fax: (84 61) 3 884 073 88 PGD Bin Ha 141/5 QL15, Tam Hip, Bin Ha, ng Nai T: (84 61) 3 913 518 Fax: (84 61) 3 913 513 89 PGD Trng Bom 82/3 p Thanh Ha, X H Nai 3, Trng Bom, ng Nai T: (84 61) 3 673 970 Fax: (84 61) 3 673 971 90 PGD Gia Kim 112/4 p Tn yn, X Gia Tn 3, Thng Nht, ng Nai T: (84 61) 3 778 487 Fax: (84 61) 3 778 488 91 PGD Long Bnh Tn C2/9 v 9B/2 Khu ph 1, Long Bnh Tn, Bin Ha, ng Nai T: (84 61) 3 834 680 Fax: (84 61) 3 834 680 34 Chi nhnh B Ra-Vng Tu 67A L Hng Phong, Phng 7, Vng Tu T: (84 64) 3 553 333 Fax: (84 64) 3 553 336

115

BO CO THNG NIN 2008

92 PGD B Ra 3 Dng Bch Mai, Phc Trung, B Ra, Vng Tu T: (84 64) 3 717 148 Fax: (84 64) 3 717 150 93 PGD Chu c 291-293 Hng Vng, Ngi Giao, Chu c, Vng Tu T: (84 64) 3 963 011 Fax: (84 64) 3 963 033 94 PGD Rch Da 196 ng 30/4, Rch Da, Vng Tu T: (84 64) 3 615 298 Fax: (84 64) 3 615 194 95 PGD Long Hi 72 Hng L 2, X Phc Hng, Huyn Long in, B Ra - Vng Tu T: (84 64) 3 671 555 Fax: (84 64) 3 671 777

100 PGD Cao Thng 4A Cao Thng, Phng 5, Qun 3, TP H Ch Minh T: (84 8) 38 335 646 Fax: (84 8) 38 335 646 101 PGD Qun 1 S 63B Calmette, Phng Nguyn Thi Bnh, Qun 1, TP H Ch Minh T: (84 8) 39 144 515 Fax: (84 8) 39 144 516 102 PGD Hm Nghi 87A Hm Nghi, Phng Nguyn Thi Bnh, Qun 1, TP H Ch Minh T: (84 8) 39 147 486 Fax: (84 8) 39 147 489 37 Chi nhnh Hng o 99A Nguyn Vn C, Phng 2, Qun 5, TP H Ch Minh T: (84 8) 39 232 800 Fax: (84 8) 39 232 799 103 PGD ng Khnh 65-67 Trn Hng o, Phng 6, Qun 5, TP H Ch Minh T: (84 8) 38 384 126 Fax: (84 8) 38 384 074 104 PGD L i Hnh 347 L i Hnh, Phng 13, Qun 11, TP H Ch Minh T: (84 8) 39 650 442 Fax: (84 8) 39 650 443 105 PGD 3 thng 2 276-280 ng 3 thng 2, Phng 12, Qun 10, TP H Ch Minh T: (84 8) 38 680 383 Fax: (84 8) 38 680 382 106 PGD Ph M Hng Cn h D1, S 9, Khu ph M Hong, Ph M Hng, Qun 7, TP H Ch Minh T: (84 8) 54 121 631 Fax: (84 8) 54 120 923 107 Hng Bng 517 Hng Bng, Phng 14, Qun 5, TP H Ch Minh T: (84 8) 38 552 207 Fax: (84 8) 38 552 214 38 Chi nhnh Ch Ln 485-487-489 Nguyn Ch Thanh, Phng 15, Qun 5, TP H Ch Minh T: (84 8) 39 555 280 Fax: (84 8) 39 555 947 108 PGD Bnh Tn 494-496 Kinh Dng Vng, Phng An Lc A, Qun Bnh Tn, TP H Ch Minh T: (84 8) 37 522 271 Fax: (84 8) 37 522 272

109 PGD Ph Lm 63A Kinh Dng Vng, Phng 12, Qun 6, TP H Ch Minh T: (84 8) 37 515 257 Fax: (84 8) 37 515 246 110 PGD Bnh Ph 152 ng Ch Ln, Phng 11, Qun 6, TP H Ch Minh T: (84 8) 37 551 723 Fax: (84 8) 37 551 724 111 PGD Bnh Chnh B1/16-B1/17 QL 1A, p 2, X Bnh Chnh, TP H Ch Minh T: (84 8) 37 608 140 Fax: (84 8) 37 608 141 112 PGD L Thng kit 104-106 L Thng Kit, Phng 7, Qun 10, TP H Ch Minh T: (84 8) 39 573 137 Fax: (84 8) 39 573 138 113 PGD Lc Long Qun 349L-349K Lc Long Qun, Phng 5, Qun 11, TP H Ch Minh T: (84 8) 39 750 982 Fax: (84 8) 39 750 983 39 Chi nhnh Tn Bnh 224 L Vn S, Phng 1, Qun Tn Bnh, TP H Ch Minh T: (84 8) 39 907 202 Fax: (84 8) 39 907 205 114 PGD B Quo 14/3A Trng Chinh, Phng 13, Qun Tn Bnh, TP H Ch Minh T: (84 8) 38 495 010 Fax: (84 8) 38 495 010 115 PGD L Gia 08 ng s 2, C x L Gia, Phng 15, Qun 11, TP H Ch Minh T: (84 8) 38 651 204 Fax: (84 8) 38 651 204 116 PGD ng T 785-785A Cch Mng Thng 8, Phng 6, Qun Tn Bnh, TP H Ch Minh T: (84 8) 39 702 230 Fax: (84 8) 39 702 230 117 PGD e Town 364 Cng Ho, Qun Tn Bnh, TP H Ch Minh T: (84 8) 38 125 701 Fax: (84 8) 38 105 702

TP H CH MINH
35 S Giao dch 266-268 Nam K Khi Ngha, Phng 8, Qun 3, TP H Ch Minh T: (84 8) 39 322 670 Fax: (84 8) 39 320 425 96 PGD L Vn S 51 Trn Quang Diu, Phng 14, Qun 3, TP H Ch Minh T: (84 8) 39 318 816 Fax: (84 8) 39 318 817 97 PGD Nam K Khi Ngha 278 Nam K Khi Ngha, Phng 8, Qun 3, TP H Ch Minh T: (84 8) 39 322 585 Fax: (84 8) 39 322 584 98 PGD Qun 3 230 Nam K Khi Ngha, Phng 8, Qun 3, TP H Ch Minh T: (84 8) 39 325 861 Fax: (84 8) 39 325 862 36 Chi nhnh Si Gn 211-213-215 Phm Ng Lo, Qun 1, TP H Ch Minh T: (84 8) 38 360 243 Fax: (84 8) 38 368 598 99 PGD Tn nh 69 Phan nh Phng, Phng 17, Qun Ph Nhun, TP H Ch Minh T: (84 8) 39 903 675 Fax: (84 8) 39 903 683

116 116
BO CO THNG NIN 2008

MNG LI HOT NG

118 PGD Lng Cha C 315 Hong Vn Th, Phng 2, Qun Tn Bnh, TP H Ch Minh T: (84 8) 38 454 470 Fax: (84 8) 38 454 471 119 PGD Thanh Bnh 25 L Thng Kit, Phng 7, Qun Tn Bnh, TP H Ch Minh T: (84 8) 39 718 144 Fax: (84 8) 39 718 146 40 Chi nhnh G Vp 94-96-98 Nguyn Oanh, Phng 7, Qun G Vp, TP H Ch Minh T: (84 8) 38 943 648 Fax: (84 8) 38 941 918 120 PGD Ch Cu B74 T K, Phng ng Hng Thun, Qun 12, TP H Ch Minh T: (84 8) 37 150 828 Fax: (84 8) 37 150 828 121 PGD G Vp 120 Nguyn Vn Nghi, Phng 5, Qun G Vp, TP H Ch Minh T: (84 8) 38 941 001 Fax: (84 8) 38 941 001 122 PGD Xm Mi 20/401 L c Th, Phng 16, Qun G Vp, TP H Ch Minh T: (84 8) 39 963 090 Fax: (84 8) 39 963 090 123 PGD Thng Ty 2/5 Quang Trung, Phng 11, Qun G Vp, TP H Ch Minh T: (84 8) 38 958 561 Fax: (84 8) 39 967 984 124 PGD Thnh Lc 170 H Huy Gip, Phng Thnh Lc, Qun 12, TP H Ch Minh T: (84 8) 37 163 903 Fax: (84 8) 37 163 904 41 Chi nhnh Hc Mn 19/4A L Thng Kit, Th trn Hc Mn, TP H Ch Minh T: (84 8) 38 910 179 Fax: (84 8) 37 103 545 125 PGD Trung Chnh 145/5 Nguyn nh Th, Trung Chnh, Hc Mn, TP H Ch Minh T: (84 8) 38 839 325 Fax: (84 8) 38 839 324

126 PGD Thi An 25/3 L Vn Khng, Phng Thi An, Qun 12, TP H Ch Minh T: (84 8) 37 177 308 Fax: (84 8) 37 177 310 127 PGD An Sng 207-209 Trng Chinh, Phng Tn Thi Nht, Qun 12, TP H Ch Minh T: (84 8) 62 568 459 Fax: (84 8) 62 568 458 42 Chi nhnh C Chi Quc l 22, p Thng, Tn Thng Hi, C Chi, TP H Ch Minh T: (84 8) 37 901 262 Fax: (84 8) 37 900 262 128 PGD An Nhn Ty Ch C, An Nhn Ty, C Chi, TP H Ch Minh T: (84 8) 37 947 123 Fax: (84 8) 37 947 124 129 PGD Tn Quy Tnh l 15, p 12, Tn Thnh ng, C Chi, TP H Ch Minh T: (84 8) 37 954 885 Fax: (84 8) 37 954 841 43 Chi nhnh 8 thng 3 192-194 L Thng Kit, Phng 8, Qun Tn Bnh, TP H Ch Minh T: (84 8) 39 712 043 Fax: (84 8) 39 711 367 44 Chi nhnh Th c 251 V Vn Ngn, Phng Linh Chiu, Qun Th c, TP H Ch Minh T: (84 8) 37 222 799 Fax: (84 8) 37 222 800 130 PGD Kin Thit 83A L Vn Vit, Khu ph 3, Hip Ph, Qun 9, TP H Ch Minh T: (84 8) 37 360 541 Fax: (84 8) 37 360 544 131 PGD Bnh Thi 220 Xun Hp, Phc Long A, Qun 9, TP H Ch Minh T: (84 8) 37 281 973 Fax: (84 8) 37 281 974 45 Chi nhnh Qun 8 324 Chnh Hng, Qun 8, TP H Ch Minh T: (84 8) 38 508 340 Fax: (84 8) 38 508 341

132 PGD Xm Ci 409-411 Tng Thin Vng, Phng 12, Qun 8, TP H Ch Minh T: (84 8) 39 514 893 Fax: (84 8) 39 504 403 133 PGD Rch ng 92-94 Nguyn Th Tn, Phng 2, Qun 8, TP H Ch Minh T: (84 8) 39 830 133 Fax: (84 8) 39 830 135 46 Chi nhnh Qun 4 55-57 Hong Diu, Qun 4, TP H Ch Minh T: (84 8) 39 433 963 Fax: (84 8) 39 433 983 134 PGD Tn Thun 384 Hunh Tn Pht, Phng Bnh Thun, Qun 7, TP H Ch Minh T: (84 8) 38 724 288 Fax: (84 8) 38 724 289 47 Chi nhnh Hoa Vit 382 A-B Trn Hng o, Phng 11, Qun 5, TP H Ch Minh T: (84 8) 38 553 131 Fax: (84 8) 38 553 003 135 PGD Phng Hng 36-38 Phng Hng, Phng 13, Qun 5, TP H Ch Minh T: (84 8) 38 553 007 Fax: (84 8) 38 553 013 48 Chi nhnh Qun 10 187 Ng Gia T, Phng 3, Qun 10, TP H Ch Minh T: (84 8) 34 052 025 Fax: (84 8) 34 025 026 136 PGD Nguyn Tri Phng 335-337 Nguyn Tri Phng, Phng 5, Qun 10, TP H Ch Minh T: (84 8) 38 347 458 Fax: (84 8) 38 345 043 49 Chi nhnh Tn Ph 90-90A Ly Bn Bch, Phng Hip Tn, Qun Tn Ph, TP H Ch Minh T: (84 8) 39 737 303 Fax: (84 8) 39 737 312 137 PGD Ph Th Ha 303 Nguyn Sn, Phng Ph Thnh, Qun Tn Ph, TP H Ch Minh T: (84 8) 39 786 034 Fax: (84 8) 39 786 034

117
BO CO THNG NIN 2008

138 PGD Tn Qu 17 G Du, Phng Tn Qu, Qun Tn Ph, TP H Ch Minh T: (84 8) 38 109 833 Fax: (84 8) 38 109 833 139 PGD KCN Tn Bnh L IV-18, S 2 KCN Tn Bnh, Phng Ty Thnh, Qun Tn Ph, TP H Ch Minh T: (84 8) 38 156 799 Fax: (84 8) 38 156 799 140 PGD u C 615B u C, Phng Ha Thnh, Qun Tn Ph, TP H Ch Minh T: (84 8) 39 751 531 Fax: (84 8) 39 751 533 50 Chi nhnh Bnh Thnh 10-12 L Quang nh, Phng 14, Qun Bnh Thnh, TP H Ch Minh T: (84 8) 35 512 700 Fax: (84 8) 35 512 699 141 PGD Th Ngh 39-41 X Vit Ngh Tnh, Phng 17, Qun Bnh Thnh, TP H Ch Minh T: (84 8) 35 144 767 Fax: (84 8) 35 144 764 142 PGD Thanh a 714 X Vit Ngh Tnh, Phng 25, Qun Bnh Thnh, TP H Ch Minh T: (84 8) 35 116 107 Fax: (84 8) 35 116 108 143 PGD Bnh Ha 95 L Quang nh, Phng 14, Qun Bnh Thnh, TP H Ch Minh T: (84 8) 35 160 644 Fax: (84 8) 35 160 644 51 Chi nhnh Bnh Ty 286-288 Hi Thng Ln ng, Phng 14, Qun 5, TP H Ch Minh T: (84 8) 54 052 300 Fax: (84 8) 54 052 323 144 PGD Ch Ln 47 Hu Giang, Phng 2, Qun 6, TP H Ch Minh T: (84 8) 39 602 395 Fax: (84 8) 39 602 395 145 PGD Cy G 129A Minh Phng, Phng 9, Qun 6, TP H Ch Minh T: (84 8) 39 698 265/66/67 Fax: (84 8) 39 698 264

KHu VC MIN Ty
52 Chi nhnh An Giang 56B Tn c Thng, M Bnh, Long Xuyn, An Giang T: (84 76) 3 956 515 Fax: (84 76) 3 956 515 146 PGD Tn Chu 104 Tn c Thng, p Long Thnh A, Th trn Tn Chu, An Giang T: (84 76) 3 534 282 Fax: (84 76) 3 534 284 147 PGD Chu Ph 6-7 L A, ng s 1, TTTM Ci Du, Chu Ph, An Giang T: (84 76) 3 685 856 Fax: (84 76) 3 685 858 148 PGD Ni Sam L A19 T 19, QL 91, Khm Vnh ng, Ni Sam, Chu c, An Giang T: (84 76) 3 571 678 Fax: (84 76) 3 571 680 149 PGD Ch Mi Tnh l 942, p th 2, Th trn M Lung, Ch Mi, An Giang T: (84 76) 3 626 554 Fax: (84 76) 3 626 556 150 PGD Chu c 78 c Ph Thu, Khm 5, Chu Ph A, Chu c, An Giang T: (84 76) 3 260 262 Fax: (84 76) 3 260 264 53 Chi nhnh Cn Th 34 A2 KCN Tr Nc 1, Tr Nc, Bnh Thy, Cn Th T: (84 710) 3 843 282 Fax: (84 710) 3 843 295 151 PGD Ninh Kiu 96-98 Nguyn Thi Hc, Tn An, Ninh Kiu, Cn Th T: (84 710) 3 811 022 Fax: (84 710) 3 810 523 152 PGD Th trn Tht Nt 314 Quc l 91, Long Thnh A, Tht Nt, Cn Th T: (84 710) 3 854 636 Fax: (84 710) 3 854 656 153 PGD 3 thng 2 174B 3 thng 2, Hng Li, Ninh Kiu, Cn Th T: (84 710) 3 740 611 Fax: (84 710) 3 740 609

154 PGD Ci Kh L K, Trn Vn Kho, TTTM Ci Kh, Ninh Kiu, Cn Th T: (84 710) 3 761 687 Fax: (84 710) 3 761 688 54 Chi nhnh ng Thp 43 L Thng Kit, Phng 2, Cao Lnh, ng Thp T: (84 67) 3 871 525 Fax: (84 67) 3 871 535 155 PGD Sa c 6-7 Nguyn Sinh Sc, Phng 2, Sa c, ng Thp T: (84 67) 3 772 355 Fax: (84 67) 3 772 360 156 PGD Hng Ng 54-56 Hng Vng, Hng Ng, ng Thp T: (84 67) 3 562 998 Fax: (84 67) 3 839 888 55 Chi nhnh Kin Giang 281 Trn Ph, P Vnh Thnh Vn, Rch Gi, Kin Giang T: (84 773) 875 797 Fax: (84 773) 875 737 157 PGD Tn Hip 496 Quc L 80, p ng Thnh, X Thun ng A, Tn Hip, Kin Giang T: (84 773) 731 931 Fax: (84 773) 731 933 158 PGD Rch Si 27 Cch Mng Thng 8, Vnh Li, Rch Gi, Kin Giang T: (84 773) 913 718 Fax: (84 773) 913 719 159 PGD Hn t 47 p ng Hn, Th trn Hn t, Kin Giang T: (84 773) 786 134 Fax: (84 773) 786 134 160 PGD H Tin 16 Trn Hu, ng H, H Tin, Kin Giang T: (84 773) 260 230 Fax: (84 773) 260 300 161 PGD Minh Lng 30 Quc L 61, Th trn Minh Lng, Chu Thnh, Kin Giang T: (84 773) 619 363 /64 Fax: (84 773) 619 366 162 PGD Kin Lng 16-17-18 L 2 TTTM Khu th mi, Ba Hn, Kin Lng, Kin Giang T: (84 773) 751 951 /53 Fax: (84 773) 751 954

118 118
BO CO THNG NIN 2008

MNG LI HOT NG

56 Chi nhnh Ph Quc 37 Hng Vng, T An ninh 10, Khu ph 5, Dng ng, Ph Quc, Kin Giang T: (84 773) 995 118 Fax: (84 773) 995 116 163 PGD An Thi Khu ph 3, Th trn An Thi, Ph Quc, Kin Giang T: (84 773) 999 771 Fax: (84 773) 999 773 57 Chi nhnh Hu Giang 31 3 thng 2, Khu vc 3, Phng 5, V Thanh, Hu Giang T: (84 711) 3 876 075 Fax: (84 711) 3 876 950 164 PGD Chu Thnh A 9A QL 61, p Tn Ph, Tn Ph Thnh, Chu Thnh A, Hu Giang T: (84 711) 3 952 774 Fax: (84 711) 3 952 773 165 PGD Ng By 1/451 ng Triu u, TX Ng By, Hu Giang T: (84 711) 3 962 826 Fax: (84 711) 3 962 824 166 PGD Long M 50-52 ng 30 thng 4, p 2, Th trn Long M, Hu Giang T: (84 711) 3 511 618 Fax: (84 711) 3 511 616 58 Chi nhnh Bc Liu B1A L B, Trn Ph, TTTM Bc Liu, Phng 3, Bc Liu T: (84 781) 3 932 206 Fax: (84 781) 3 932 201 167 PGD H Phng 151-153 QL 1A, p 2, Th trn H Phng, Gi Rai, Bc Liu T: (84 781) 3 671 484 Fax: (84 781) 3 671 494 59 Chi nhnh Sc Trng 65 Ph Li, Phng 2, Sc Trng T: (84 79) 3 616 762 Fax: (84 79) 3 616 761 168 PGD M Xuyn 1 Tnh l 8, p Thnh Li, M Xuyn, Sc Trng T: (84 79) 3 831 427 Fax: (84 79) 3 831 426 169 PGD Hai B Trng 118 Hai B Trng, Khm 1, Phng 1, Sc Trng T: (84 79) 3 622 624 Fax: (84 79) 3 622 621

170 PGD Vnh Chu 247A ng 30/4, Th trn Vnh Chu, Sc Trng T: (84 79) 3 911 567 Fax: (84 79) 3 911 555 60 Chi nhnh Long An 167-169 Hng Vng, Phng 2, Tn An, Long An T: (84 72) 3 831 592 Fax: (84 72) 3 831 587 171 PGD Bn Lc 90 Nguyn Hu Th, Th trn Bn Lc, Long An T: (84 72) 3 633 443 Fax: (84 72) 3 633 442 172 PGD Tn An 8A Nguyn nh Chiu, Phng 1, Tn An, Long An T: (84 72) 3 553 799 Fax: (84 72) 3 553 699 173 PGD c Ha p Bnh Tin 1, Tnh L 825, X c Ha H, c Ha, Long An T: (84 72) 3 763 976 Fax: (84 72) 3 763 978 174 PGD Cn Giuc L 7-8 KDC TM, Khu ph 2, Quc l 50, Th trn Cn Giuc, Long An T: (84 72) 3 741 717/8 Fax: (84 72) 3 741 719 61 Chi nhnh Vnh Long 156 Nguyn Hu, Phng 2, Vnh Long T: (84 70) 3 878 260 Fax: (84 70) 3 878 261 175 PGD Bnh Minh 838 Ng Quyn, Ci Vn, Bnh Minh, Vnh Long T: (84 70) 3 741 262 Fax: (84 70) 3 741 272 176 PGD 30 thng 4 L 3, S 1, ng 30/4, Phng 1, Vnh Long T: (84 70) 3 836 898/97 Fax: (84 70) 3 836 896 62 Chi nhnh Bn Tre 16 Hai B Trng, Bn Tre T: (84 75) 3 839 115 Fax: (84 75) 3 839 116 177 PGD M Cy 320 QL 60, M Cy, Bn Tre T: (84 75) 3 662 662 Fax: (84 75) 3 662 663

63 Chi nhnh Tin Giang 6 inh B Lnh, Phng 2, M Tho, Tin Giang T: (84 73) 3 973 345 Fax: (84 73) 3 973 342 178 PGD Ci B 875 p 05, X Ph An, Cai Ly, Tin Giang T: (84 73) 3 925 777 Fax: (84 73) 3 925 776 179 PGD G Cng 318 V Duy Linh, Phng 1, G Cng, Tin Giang T: (84 73) 3 513 133 Fax: (84 73) 3 513 143 180 PGD Cai Ly 2/336 Khu 5, ng tnh 868, Th trn Cai Ly, Tin Giang T: (84 73) 3 919 883 Fax: (84 73) 3 919 886 181 PGD Vnh Kim p Vnh Thnh, X Vnh Kim Chu Thnh, Tin Giang T: (84 73) 3 619 123/124 Fax: (84 73) 3 619 122 64 Chi nhnh Tr Vinh 40 in Bin Ph, Phng 2, Tr Vinh T: (84 74) 3 858 711 Fax: (84 74) 3 858 710 65 Chi nhnh C Mau 44 L Bn, C Mau T: (84 780) 3 812 001 Fax: (84 780) 3 812 006 182 PGD Nm Cn H35, H36 Nguyn Tt Thnh, Huyn Nm Cn, C Mau T: (84 780) 3 730 996 Fax: (84 780) 3 730 999

NGOI LNH TH VIT NAM

66 Vn phng i din Nam Ninh Tng 19, S 59, ng Kim H, Thnh ph Nam Ninh, Tnh Qung Ty, Trung Quc T: (00 86 0771) 5 505 896 Fax: (00 86 0771) 5 505 831 67 Chi nhnh Lo 175/02 Ban Hat Sa y Tai, Huyn Chan Tha B Ly, Th Ving Chn, Lo T: (00 856) 212 60 400 Fax: (00 856) 212 60 402

119
BO CO THNG NIN 2008

NGN HNG I L

STT 1 1 2 1 3 1 2 3 4 5

TN NC/ TN NGN HNG AFGHANISTAN STANDARD CHARTeReD BANK ARGeNTINA DeuTSCHe BANK AG AuSTRIA BANK AuSTRIA CReDITANSTALT AG eRSTe BANK DeR OeSTeRReICHISCHeN SPARKeSSeN AG (TT C CC CHI NHNH C) RAIFFeISeN ZeNTRALBANK OeSTeRReICH AG DeuTSCHe BANK AG RAIFFeISeNL AND eSBANK NIeDeROeSTeRReICH WIeN AG AuSTRALIA ABN AMRO BANK N.V ABN AMRO AuSTRALIA LTD ANZ BANKING GROuP BANK OF AMeRICA, N.A. COMMON WeALTH BANK AuSTRALIA MIZuHO CORPORATe BANK LTD, SyDNey BR S.T GeORGe BANK LTD WeSTPAC BANKING CORP (TT C CC CHI NHNH C) JP MORGAN CHASe BANK OCBC HSBC BANK AuSTRALIA LIMITeD BNP PARIBAS AuSTRALIA BAHRAIN STANDARD CHARTeReD BANK BANGLADeSH WOORI BANK, DHAKA STANDARD CHARTeReD BANK BeLARuS BeLINVeSTBANK JSC (TT C CC CHI NHNH BeLARuS) BeLPROMSTROIBANK BRAZIL BANCO ABN AMRO ReAL S.A (TT C CC CHI NHNH BRAZIL) BANCO BRADeSCO S.A HSBC BANK, BRAZIL BAHAMAS SCOTIABANK (BAHAMAS)

10 1 2

BeLGIuM ABN AMRO BANK ING BeLGIuM NV/SA (FORMeRLy BANK BRuSSeLS LAMBeRT SA) (TT C CC CHI NHNH B) FORTIS BANQue S.A/N.V (FORMeRLy CeNeRALe De BANQue SA) (TT C CC CHI NHNH B) KBC BANK NV (TT C CC CHI NHNH B)

11 1 12 1 2 3 13 1 2 3 4 5 6 14 1 15 1 2 3 4 16 1

BOTSWANA STANDARD CHARTeReD BANK BuLGARIA CITIBANK BuLGARIAN POST BANK uNICReDIT BuLBANK AD CAMBODIA ACLeDA BANK PLC CANADIAN BANK LTD SINGAPORe BANKING CORPORATON LTD FOReIGN TRADe BANK OF CAMBODIA ANZ ROyAL BANK (CAMBODIA) LTD NATIONAL BANK OF CAMBODIA CAMeROON STANDARD CHARTeReD BANK CANADA BANK OF AMeRICA, N.A. BANK OF NOVA SCOTIA ROyAL BANK OF CANADA BANK OF MONTReAL CHILe BANCO De CHILe (TT C CC CHI NHNH TRN TH GII)

4 1 2 3 4 5 6 7 8 9 11 12 5 1 6 1 2 7 1 2 8 1 2 3 9 1

17 1 2 3 4 5 6 7 8 9 10 11

CHINA ABN AMBRO BANK AMeRICAN eXPReSS BANK AGRICuLTuRAL BANK OF CHINA (TT C CC CHI NHNH TRuNG QuC) ANZ BANKING GROuP LIMITeD BANK OF AMeRICA, N.A. BANK OF CHINA BANK OF CHINA (TT C CC CHI NHNH TRuNG QuC) BANK OF NOVA SCOTIA BANK OF TOKyO BANK SINOPAC CITI BANK

120
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NGN HNG I L

12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59

CHINA eVeRBRIGHT BANK (TT C CC CHI NHNH TRuNG QuC) CHINA CONSTRuCTION BANK (TT C CC CHI NHNH TRuNG QuC) CHIyu BANKING CORP. LTD DALIAN CITy COMMeRCIAL BANK DAH SING BANK LTD eSuN COMMeRCIAL BANK LTD. FuJIAN INDuSTRIAL BANK WACHOVIA BANK FORTIS BANK ASIA HONGKONG FORTIS BANK S.A/N.A HSBC (TP TRuNG V THNG HI) HANGSeNG BANK HuANAN BANK INDuSTRIAL AND COMMeRCIAL BANK OF CN (TT C CC CHI NHNH TRuNG QuC) JP MORGAN CHASe BANK KBC BANK SHeNZHeN DeVeLOPMeNT BANK (TT C CC CHI NHNH TRuNG QuC) SuMITOMO MITSuI BANKING CORP. STANDARD BANK ASIA LIMITeD uNITeD OVeRSeAS BANK LIMITeD WING HANG BANK HSH NORDBANK ING BANK, HK BANK OF COMMuNICATIONS, CN BANK OF NeW yORK, HK BNP PARIBAS GuANGDONG DeVeLOPMeNT BANK DBS BANK BANGKOK BANK PuBLIC COMPANy LIMITeD BANK OF SHANGHAI DeuTSCHe BANK AG THe BANK OF eAST ASIA OCBC BANK OF NANJING CHINA MINSHeNG BANKING COPORATION CITIC INDuSTRIAL BANK GuIyANG COMMeRCIAL BANK ANSHAN CITy COMMeRCIAL BANK MASHReQBANK PSC HuA XIA BANK yINZHOu BANK DeuTSCHe BANK AG WOORI BANK (CHINA) LIMITeD WOORI BANK SHANGHAI BRANCH MIZuHO CORPORATe BANK LTD. HONG KONG BRANCH HANA BANK (CHINA) COMPANy LIMITeD WeLLS FARGO BANK N.A. HONG KONG BRANCH

18 1 19 1 2 3 4 20 1 2 3 21 1 22 1 23 1 24 1 2 3 4 25 1 2 3 4 5 6 7 8 9 10 12 13 26 1 2

COOK ISLANDS ANZ BANKING GROuP CZeCH RePuBLIC HVB BANK CReCH RePuBLIC AS CeSKA SPORITeLNA AS DeuTSCHe BANK AG KOMeRCNI BANKA AS DeNMARK ABN AMRO BANK DANSKe BANK AS NORDeA BANK DeNMARK eAST TIMOR ANZ BANKING GROuP LIMITeD eGyPT BANK OF NOVA SCOTIA FIJI ANZ BANKING GROuP LIMITeD FINLAND DANSKe BANK NORDeA BANK FINLAND SAMPO BANK OKO OSuSPANKKIeN BANK FRANCe ABN AMRO BANK (THNG BO L/C: TP TRuNG V FRANKFuRT) BANQue De NeuFLIZe, SCHuLuMBeRGeR CReDIT INDuSTRIeL eT COMMeRCIAL KBC BANK ING BANK FR SOCIeTe GeNeRALe CReDIT LyONAIS FORTIS BANK FR BNP PARIBAS (ALL BRANCHeS) CALyON HSBC FRANCe (FORMeRLy HSBC CCF) NATIXIS GeRMANy AMeRICAN eXPReSS BANK (THNG BO C CHu u) ABN AMRO BANK N.V NIeDeRLASSuNG DeuTSCHLAND (THNG BO C CHu u) ANZ BANKING GROuP LIMITeD BAyeRISCHe HyPO - uND VeReINSBANK AG (TT C CC CHI NHNH C)

3 4

121
BO CO THNG NIN 2008

5 6 7 8 9 10 11 12 12 13 14 15 16 17 18 27 1 28 1 2 3 4 29 1 2 3 4 5 6 7 8 9 10 11 12 30 1 2 3 4 5 6 7 8 9 10

COMMeRZBANK (TT C CC CHI NHNH TRN TH GII) BHF BANK (THNG BO C CHu u) DANSKe BANK DeuTSCHe BANK AG (TT C CC CHI NHNH C) DReSDNeR BANK AG FORTIS BANK, NIeDeRLASSuNG DeuTSCHLAND JP MORGAN HAMBuRGeR SPARKASSe AG LANSDeSBANK BADeN WueRTTeMBuRG MIZHuHO CORPORATION BANK LTD SCANDINAVISKA eNSKILDA BAKeN (SeB AG) DZ BANK AG euROPAeISCH-IRANISCHe HANDeLS BANK HSH NORDBANK AG VOLKSBANK PFORZHeIM eG GHANA STANDARD CHARTeReD BANK HuNGARy KeReSKeDeLMI eS HITeLBANK RT eRSTe BANK HuNGARy RT HVB HuNGARy RT ING BANK, Hu INDIA AMeRICAN eXPReSS BANK (MI GIAO DCH L/C TP TRuNG CHeNNAI) BANK OF AMeRICA, N.A. BANK OF INDIA, IN CITI BANK HSBC STANDARD CHARTeReD BANK uNION BANK OF INDIA JP MORGAN CHASe BANK MASHReQBANK PSC KARuR VySyA BANK LTD DeuTSCHe BANK AG AXIS BANK LIMITeD INDONeSIA ABN AMRO BANK ANZ BANKING GROuP BANK OF AMeRICA, N.A. BANK RAKyAT INDONeSIA (TT C CC CHI NHNH INDONeSIA) CITIBANK N.A. HSBC STANDARD CHARTeReD BANK BANK OF CHINA BANK OF TOKyO - MITSuBISHI BANK NISP

11 12 13 14 15 31 1 2 3 4 32 1 2 3 4 5 6 7 8 9 10 11 12 13 33 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22

BANK OF DANAMON INDONeSIA BANK CeNTRAL ASIA JP MORGAN CHASe BANK DeuTSCHe BANK AG BANK MANDIRI ISRAeL uNION BANK OF ISRAeL LTD (TT C CC CHI NHNH ISRAeL) CITIBANK ISRAeL DISCOuNT BANK MeRCANTILe DISCOuNT BANK LTD ITALy BANCA INTeSA SPA (FORMeRLy INTeSABCI SPA) (TT C CC CHI NHNH ) BANCA DeLLe MARCHe MARCHe SPA (TT C CC CHI NHNH ) uNIONe DI BANCHe ITALIANe S.C.P.A. (FORMeRLy BANCA LOMBARDA e PIeMONTeSe) BANCO POPOLARe DI VeRONA e NOVARA SCRL VeRONA ING BANK, IT FORTIS BANK BANCA POPOLARe DI VICeNZA SCPARL BANCA NAZIONALe DeL LAVORO SPA uNICReDIT CORPORATe BANKING SPA BANCA DeLL'ARTIGIANATO e DeLL'INDuSTRIA SPA BANCA POPOLARe DeLL'eMILIA ROMAGNA uNICReDIT BANCA DI ROMA SPA ICCReA BANCA JAPAN ABN AMRO BANK AMeRICAN eXPReSS BANK ANZ BANKING GROuP BANK OF AMeRICA, N.A. BANK OF TOKyO MITSuBISHI WACHOVIA BANK WOORI BANK HSBC THe MIZuHO CORPORATe BANK LTD ReSONA BANK LTD SHINHAN BANK STANDARD CHARTeReD BANK SuMITOMO MITSuI BANKING CORP. uNITeD OVeRSeAS BANK BANK OF NOVA SCOTIA, THe MIZuHO BANK, LTD DBS BANK FIRST COMMeRCIAL BANK TOKuSHIMA BANK OCBC BAyeRISCHe HyPO uND VeReINSBANK DeuTSCHe BANK AG

122
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NGN HNG I L

34 1 35 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 36 1 37 1 38 1 39 1 2

JORDAN JORDAN KuWAIT BANK KOReA ABN AMRO BANK AMeRICAN eXPReSS BANK ANZ BANKING GROuP BANK OF AMeRICA, N.A. CITI BANK DAeGu BANK WACHOVIA BANK HANA BANK WOORI BANK HSBC INDuSTRIAL BANK OF KOReA JeONBuK BANK LTD KOOKMIN BANK KOReA eXCHANGe BANK PuSAN BANK STANDARD CHARTeReD BANK SHINHAN BANK SuMITOMO MITSuI BANKING CORP. BANK OF NOVA SCOTIA, THe, SeOuL BRANCH MIZuHO CORPORATe BANK, LTD OCBC NATIONAL AGRICuLTuRAL COOPeRATIVe FeDeRATION KyONGNAM BANK BANK OF CHINA THe BANK OF NeW yORK MeLLON, SeOuL BRANCH KOReA DeVeLOPMeNT BANK, THe KuWAIT NATIONAL BANK OF KuWAIT LAOS BANQue POuR Le COMMeRCe eXTeRIeuR LAO LeBANON HSBC BANK MIDDLe eAST LuXeMBOuRG AMeRICAN eXPReSS BANK (KHNG THNG BO L/C) DANSKe BANK INTeRNATIONAL S.A (KHNG THNG BO L/C) MACAu HSBC MALAySIA ABN AMRO BANK BANK OF AMeRICA, N.A. BANK OF NOVA SCOTIA CITIBANK

5 6 7 8 9 10 11 12 13 42 1 43 1 2 44 1 45 1 2 3 4 5 6 46 1 2 3 4

HSBC KBC BANK N.V RHB BANK BeRHAD STANDARD CHARTeReD BANK MALAyAN BANKING BeRHAD (MAyBANK) DeuTSCHe BANK AG AMBANK BeRHAD eON BANK BeRHARD CIMB BANK BeRHAD MAuRITIuS MAuRITIuS COMMeRCIAL BANK LTD MeXICO BANCO DeL BAJIO BANK OF AMeRICA, N.A. MyANMAR CeNTRAL BANK OF MyANMAR NeTHeRLANDS ABN AMRO BANK FORTIS BANK, NL HOLLANDSCHe BANK-uNIe N.V ING BANK RABOBANK NeDeRLAND uTReCHT NL DeuTSCHe BANK AG NeW ZeALAND CITIBANK (KHNG THNG BO L/C) ANZ BANKING GROuP HSBC (TT C CC CHI NHNH NeW ZeALAND) WeSTPAC BANKING CORPORATION (TT C CC CHI NHNH NeW ZeALAND) NORWAy SKANDINAVISKA eNSKILDA BANKeN DNB NOR BANK ASA FOKuS BANK NORDeA BANK NORGe ASA OMAN BANKMuSCAT SAOG PAKISTAN STANDARD CHARTeReD BANK DeuTSCHe BANK AG PARAGuAy HSBC BANK PARAGuAy PAPuA NeW GuINeA ANZ BANKING GROuP

47 1 2 3 4 48 1 49 1 2 50 1 51 1

40 1 41 1 2 3 4

123
BO CO THNG NIN 2008

52 1 2 3 4 5 6 53 1 2 3 4 5 54 1 55 1 2 56 1 2 3 4 57 1 2 3 4 5 6 7 8 58 1 59 1 2 3 4 5 6 7 8

PHILIPPINeS ANZ BANKING GROuP ASIAN DeVeLOPMeNT BANK BANK OF AMeRICA, N.A. BANK OF PHILIPPINeS ISLANDS CITIBANK STANDARD CHARTeReD BANK POLAND DANSKe BANK POLSKA BANK POLSKA KASA OPIeKI SPOLKA AKCyJNA FORTIS BANK, PL RAIFFeISeN BANK POLSKA S.A DeuTSCHe BANK AG PORTuGAL FINIBANCO S.A QATAR INTL BANK OF QATAR ReuNION BNP PARIBAS LA ReuNION ROMANIA ABN AMRO BANK (TP TRuNG V FRANKFuRT) HVB BANK ROMANIAN COMMeRCIAL BANK (TT C CC CHI NHNH RuMANI) RAIFFeISeN BANK S.A. RuSSIA BANK FOR FOReIGN TRADe (TT C CC CHI NHNH NGA) BANK OF MOSCOW, THe MOSCOW euROPeAN TRuST BANK SBeRBANK GuTA BANK INTeRNATIONAL MOSCOW BANK INTeRNATIONAL BANK FOR eCONOMIC CO-OPeRATION WOORI BANK MOSCOW SAMOA ANZ BANKING GROuP SINGAPORe ABN AMRO BANK AMeRICAN eXPReSS BANK ANZ BANKING GROuP BANK OF AMeRICA, N.A. BANK OF NOVA SCOTIA BANK OF TOKyO - MITSuBISHI LTD BAyeRISCHe HyPO - uND VeReINSBANK AG CITI BANK

9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 60 1 2 61 1 62 1 2 63 1 64 1 65 1 2 3 4 5 6 7 8

DBS BANK LTD DeuTSCHe BANK AG FORTIS BANK HSBC HANA BANK ING BANK JP MORGAN CHASe BANK SINGAPORe KBC BANK (SINGAPORe) LTD MALAyAN BANKING BeRHAD MIZuHO CORPORATe BANK LTD NATIONAL BANK OF KuWAIT NATeXIS BANQueS POPuLAIReS NORDeA BANK, Se OVeRSeA-CHINeSe BANKING CORPORATION LIMITeD STANDARD CHARTeReD BANK SuMITOMO MITSuI BANKING CORP. SKANDINAVISKA eNSKILDA BAKeN BANK OF NeW yORK, SG uNITeD OVeRSeAS BANK BANK OF INDIA WOORI BANK uBS AG RZB KRuNG THAI BANK PCL SOCIeTe GeNeRALe CALyON INTeSA SANPAOLO S.P.A. (FORMeR SANPAOLO IMI) SLOVAKIA SLOVeNSKA SPORITeLNA uNIBANKA A.S.(uNICReDITO ITALIANO GROuP) SOLOMON ANZ BANKING GROuP SOuTH AFRICA STANDARD CHARTeReD BANK STANDARD BANK OF SOuTH AFRICA LTD SAuDI ARABIA NATIONAL COMMeRCIAL BANK SLOVeNIA BANK AuSTRIA CReDITANSTALT D.D. SPAIN BANKINTeR S.A BANCO De VALeNCIA S.A CAIXA D'eSTALVIS I PeNSIONS CAJA De AHORROS De VALeNCIA DeN DANSKe BANK INTeRNATION S.A BANCO De SABADeLL S.A BANCO BPI S.A BNP PARIBAS S.A. SuCuRSAL eN eSPANA

124
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NGN HNG I L

66 1 67 1 2 3 4 5 68 1 2 3 4 5 6 7 8 9 10 11

SRI LANKA CITIBANK SWeDeN SVeNSKA HANDeLSBANKeN (TT C CC CHI NHNH THy IN) SKANDINAVISKA eNSKILDA BANKeN (TT C CC CHI NHNH THy IN) NORDeA BANK, Se SVeNSKA HANDeLSBANKeN DANSKe BANK AS, SVeRIGe FILIAL SWITZeRLAND AMeRICAN eXPReSS BANK (TP TRuNG V FRANKFuRT) BANQue CANTONALe De GeNeVe (*) BIPIeLLe BANK(SuISSe), (GRuPPO BIPIeLLe) CReDIT SuISSe (TT C CC CHI NHNH THy S) BHF BANK (SCHWeIZ) AG ING BeLGIuM BNP PARIBAS S.A DeuSCHe BANK AG uBS AG (TT C CC CHI NHNH THy S) BANQue CANTONALe VAuDOISe CReDIT AGRICOLe (SuISSe) SA (TT C CC CHI NHNH THy S) TAIWAN ABN AMRO TAIPeI ANZ BANKING GROuP AMeRICAN eXPReSS BANK BANK OF AMeRICA, NA. BANK OF NOVA SCOTIA BANK OF TOKyO - MITSuBISHI LTD BANK OF PANHSIN BANK SINOPAC (TT C CC CHI NHNH I LOAN) JIH SuN INTeRNATIONAL BANK CHINFON COMMeRCIAL BANK CHINA TRuST COMMeRCIAL BANK CITIBANK eSuN COMMeRCIAL BANK LTD HSBC HuA NAN COMMeRCIAL BANK INTeRNATIONAL COMMeRCIAL BANK OF CHINA (MeGA INTeRNATIONAL COMMeRCIAL BANK CO. LTD) (TT C CC CHI NHNH I LOAN) KBC BANK N.V LAND BANK OF TAIWAN SuMITOMO MITSuI BANKING CORP.

19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 70 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 71 1 72 1

SCB TAICHuNG COMMeRCIAL BANK uNION BANK OF TAIWAN uNITeD OVeRSeAS BANK WACHOVIA BANK, N.A. MIZuHO CORPORATe BANK, LTD, TAIPeI BRANCH TAINAN BuSINeSS BANK TAIPeI FuBON COMMeRCIAL BANK FIRST COMMeRCIAL BANK JP MORGAN CHASe BANK FORTIS BANK OCBC BANK OF TAIWAN INDuSTRIAL BANK OF TAIWAN DeuTSCHe BANK AG CITIBANK TAIWAN LIMITeD BNP PARIBAS TAIWAN WeLLS FARGO BANK N.A., TAIPeI BRANCH THAILAND ABN AMRO BANK N.V ANZ BANKING GROuP LIMITeD BANK OF AMeRICA, N.A. uNITeD OVeRSeAS BANK BANK OF AyuDHyA BANK OF TOKyO - MITSuBISHI LTD THANACHART BANK PuBLIC CO LTD CITIBANK DeuTSCHe BANK HSBC KRuNG THAI BANK PCL MIZuHO CORPORATe BANK LTD SCB SIAM COMMeRCIAL BANK PuBLIC CO., SIAM CITy BANK PuBLIC COMPANy LTD SuMITOMO MITSuI BANKING CORP KASIKORNBANK THAI MILITARy BANK PCL BANGKOK BANK PuBLIC COMPANy LIMITeD eXPORT-IMPORT BANK OF THAILAND BANKTHAI PuBLIC COMPANy LIMITeD (FORMeRLy THe uNION BANK OF BANBKOK) OCBC CALyON (FORMeRLy CReDIT AGRICOLe INDOSueSZ) TONGA ANZ BANKING GROuP TuRKey CITIBANK

69 1 2 3 4 5 5 6 7 8 9 10 11 12 13 14 15

16 17 18

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73 1 2 3 74 1 2 3 4 5 6 7 75 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23

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8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 77 1 78 1 79 1 2 3 4

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76 1 2 3 4 5 6 7

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6 7 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

CHOHUNG VINA BANK (SHINHANVINA BANK) CITIBANK DEUTSCHE BANK FIRST COMMERCIAL BANK HSBC INDUSTRIAL AND COMMERCIAL BANK OF VIETNAM (TT C CC CHI NHNH VIT NAM) ORIENT COMMERCIAL JOINT STOCK BANK SCB NATEXIS BANQUES POPULAIRES SOUTHERN COMMERCIAL JOINT STOCK BANK VIETNAM EXPORT IMPORT COMMERCIAL BANK VIETNAM TECHNOLOGICAL AND COMMERCIAL J.S BANK WOORI BANK, HANOI VP BANK, VIETNAM HUA NAN COMMERCIAL BANK AN BINH BANK JP MORGAN CHASE BANK INDUSTRIAL BANK OF KOREA TAIFEI FUBON COMMERCIAL BANK HANOI BUILDING COMMERCIAL JOINT STOCK BANK VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT GLOBAL PETRO COMMERCIAL JOINT STOCK BANK VIETNAM EXPORT IMPORT COMMERCIAL JOINTSTOCK BANK VIETNAM ASIA COMMERCIAL JOINT-STOCK BANK PETROLIMEX GROUP COMMERCIAL JOINT STOCK BANK ZAMBIA STANDARD CHARTERED BANK

80 1

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266 - 268 Nam K Khi Ngha, P 8, Q 3, TP H Ch Minh T: (08) 39 320 420 Fax: (08) 39 320 424 Trang Web: www.sacombank.com.vn