ban cao bach

Y BAN CHNG KHON NH NC CP CHNG NHN NG K CHO BN C PHIU CH C NGHA L VIC NG K CHO BN C PHIU THC HIN THEO CC QUY NH CA PHP LUT LIN QUAN M KHNG HM M BO GI TR CA C PHIU. MI TUYN B TRI VI IU NY L BT HP PHP

(Giy chng nhn ng k kinh doanh s 0100111948 do S K hoch v u t TP H Ni cp thay i ln 1 ngy 30/6/2010)

NGN HNG TH NGMI C PHN CNG TH NGVIT NAM

BN CO BCH

CHO BN C PHIU RA CNG CHNG(Giy ch ng nhn ng k cho b n s 651/KC B do Ch t ch y ban C h ng khon N h n c cp ngy 24 thng 8 nm 2010)

Bn co bch n y v ti liu b sung s c cung c p ti : 1. Ngn hng Th ng mi C phn Cng th ng Vit Nam a ch: 108 Trn Hng o, Hon Kim, H Ni in thoi: 04. 3942.1030 Fax: 04. 3942.1032 Website: http://www.vietinbank.vn Ph trch cng b th ng tin: H tn: L c Th Mobile: 0913372917 Chc v: Ph Tng Gim c Tel: 04.39421457 Fax: 04.3942.1032

H Ni 08/2010

NGN HNG THNG MI C PHN CNG THNG VIT NAM

BN CO BCH

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

(Giy Chng nhn ng k Kinh doanh ln u s 0100111948 do S K hoch v u t TP H Ni cp thay i ln 1 ngy 30/6/2010)

CHO BN C PHIU RA CNG CHNGTn c phiu Loi c phiu Mnh gi :C phiu Ngn hng TMCP Cng th ng Vit Nam :C phiu ph thng :10.000 ng/c phn Chia c tc bng c phiu: 76.900.000 c phn Pht hnh thm cho c ng hin hu: 315.100.000 c phn vi gi

Tng s lng cho bn :392.000.000 c phn trong :

10.000/c phn Tng gi tr cho bn: 3.920.000.000.000 ng (tnh theo mnh gi), trong : Chia c tc bng c phiu: 769.000.000.000 ng mnh gi Pht hnh thm cho c ng hin hu: 3.151.000.000.000 ng mnh

gi T CH C T VN: Cng ty c phn Chng khon Ngn hng Cng th ng Vit Nam (VietinBankSc) a ch: 306 B Triu, H Ni in thoi: 04. 35562875 Fax: 04. 35562874

T CH C KI M TO N: Cng ty TNHH Ernst Young Vit Nam (E&Y) a ch: 360 Kim M, Ba nh, H Ni in thoi: 04. 38315100 Fax: 04. 38315090

CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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MC LC I. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. II. 1. 15 2. CC NHN T RI RO.....................................................................................................8 Ri ro v kinh t .................................................................................................................................... 8 Ri ro v li sut .................................................................................................................................... 8 Ri ro tn dng ....................................................................................................................................... 9 Ri ro v ngoi hi .............................................................................................................................. 10 Ri ro v thanh khon ......................................................................................................................... 10 Ri ro t cc hot ng ngoi bng ................................................................................................... 10 Ri ro v lut php .............................................................................................................................. 11 Ri ro h thng cng ngh thng tin ................................................................................................. 12 Ri ro tc nghip ................................................................................................................................. 12 Ri ro bin ng gi c phiu ............................................................................................................ 13 Ri ro pha long c phiu................................................................................................................... 13 Ri ro ca t cho bn ...................................................................................................................... 13 Ri ro khc ........................................................................................................................................... 14 NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH .................................................................................................................................15 T chc pht hnh - Ngn hng Thng mi C phn Cng thng Vit Nam (VietinBank).. T chc t vn Cng ty c phn Chng khon Ngn hng Cng thng Vit nam (VietinBankSc) .................................................................................................................................... 15 III. CC KHI NIM.................................................................................................................16 IV. TNH HNH V C IM CA T CHC PHT HNH ...........................................17 1. 2. 3. 21 4. Gii thiu chung v t chc pht hnh.............................................................................................. 17 Tm tt qu trnh hnh thnh v pht trin........................................................................................ 19 C cu t chc v b my qun l ca Ngn hng.......................................................................... Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng, danh sch c ng sng lp v t l c phn nm gi, c cu c ng.......................................................................... 3


NGN HNG THNG MI C PHN CNG THNG VIT NAM 27

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5.

Danh sch nhng cng ty m v cng ty con ca t chc ng k nim yt, nhng cng ty m t chc ng k nim yt ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi phi i vi t chc ng k nim yt............. 29

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

Hot ng kinh doanh......................................................................................................................... 32 Bo co kt qu hot ng kinh doanh trong giai on 2008 -2009 v Qu II/2010 .................. V th ca Ngn hng so vi cc Ngn hng khc trong cng ngnh ........................................... Chnh sch i vi ngi lao ng.................................................................................................... 77 Chnh sch c tc ................................................................................................................................ 80 Hi ng qun tr, Ban iu hnh, Ban kim sot, k ton trng ............................................... Tnh hnh hot ng ti chnh ..........................................................................................................102 Ti sn.................................................................................................................................................103

13.1. Ti sn c nh theo s sch k ton ti thi im 31/12/2009 ....................................................104 13.2. Tnh hnh qun l v s dng t ....................................................................................................104 14. K hoch li nhun v c tc giai on 2010-2012 ......................................................................110 14.1. Chin lc ca NHTMCP Cng thng Vit Nam ......................................................................110 15.1. K hoch li nhun v c tc ca Vietinbank trong giai on 2010-2012 nh sau:..................114 15.2. Cn c t k hoch c tc, li nhun trn................................................................................118 15. Thng tin v nhng cam kt nhng cha thc hin ca t chc ng k nim yt ...................120 16. Cc thng tin, cc tranh chp kin tng lin quan ti cng ty m c th nh hng n gi c c phiu nim yt ..............................................................................................................................120 V. C PHIU CHO BN ......................................................................................................120CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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NGN HNG THNG MI C PHN CNG THNG VIT NAM BN CO BCH VI. MC CH CHO BN ...................................................................................................125

VII. K HOCH S DNG S TIN THU C T T CHO BN.........................126 VIII. CC I TC LIN QUAN N T CHO BN ..................................................126 1. 2. T CHC T VN ........................................................................................................................127 T CHC KIM TON: ...............................................................................................................127

IX. PH LC ...........................................................................................................................128


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DANH MC HNH V V BIU Hnh 1: C cu vn iu l Vietinbank thi im 12/3/2010 Hnh 2: H thng t chc Hnh 3: C cu t chc chi tit Hnh 4: C cu t chc: Cp chi nhnh (M hnh 1) Hnh 5: C cu t chc: Cp chi nhnh (M hnh 2) Hnh 6: C cu t chc: Phng Giao dch Hnh 7: Phn tch hot ng huy ng vn thi k 2007-2009 Hnh 8: C cu tin gi nm 2009 v giai on 2007-2009 Hnh 9: Tc tng trng ti sn v d n cho vay Hnh 10: Thu nhp li t cho vay khch hng thi k 2007-2009 Hnh 11: C cu thu nhp li v cc khon thu nhp tng t nm 2009 Hnh 12: C cu d n theo ngnh kinh t Hnh 13: C cu d n nm 2009 theo thi gian Hnh 14: C cu d n thi k 2007 - 2009 theo loi hnh DN Hnh 15: C cu d n 2009 theo loi hnh DN Hnh 16: T l an ton vn 2007-2009 Hnh 17: Qu d phng ri ro cho vay khch hng 2007-2009 Bng 18: Phn loi n nm 2009 Hnh 19: Doanh s mua bn ngoi t trong khu vc ni a thi k 2007 - 2009 Hnh 20: Tc tng pht hnh th Hnh 21: C cu u t chng khon thi k 2007 - 2009 Hnh 22: S d v t l n xu giai on 2007 2009 Hnh 23: Tng trng tn dng giai on 2007-2009 Hnh 24: Tng trng GDP v t l lm pht giai on 2007-2009 Hnh 25: Mng li hot ng ca Vietinbank v cc Ngn hng khc Hnh 26: Li nhun sau thu v t l n xu ca Vietinbank v cc ngn hng khc Hnh 27: Tng quan Tng ti sn v vn iu l ca Vietinbank vi cc ngn hng khc nm 2009CNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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Hnh 28: M hnh Tp on Ti chnh Ngn hng Cng thng Vit Nam Hnh 29: Vn iu l v li nhun sau thu ca Vietinbank giai on 2010-2012 Hnh 30: Vn iu l v c cu vn iu l Vietinbank giai on 2010-2012


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DANH MC BNG BIU Bng 1: Danh sch C ng nm trn 5% vn C phn ti thi im 12/3/2010 Bng 2: C cu c ng n thi im 12/03/2010 Bng 3: Danh sch cng ty con v cng ty lin doanh ca Vietinbank ti thi im 31/12/2009 Bng 4: C cu huy ng vn ca Vietinbank Bng 5: Vay NHNNVN Bng 6: Tin gi ca khch hng Bng 7: T l trch d phng ri ro tn dng theo quy nh ca NHNN Vit Nam Bng 8:Tng hp cc d n cp tn dng v cho vay ng ti tr tnh n 31/12/2009 Bng 9: Mt s ch tiu ch yu hot ng th trng vn Bng 10: Mt s ch tiu ch yu hot ng cho thu ti chnh Bng 11: Kt qu hot ng Cng ty Bt ng sn v u t ti chnh NHCTVN Bng 12: Kt qu hot ng Cng ty TNHH Bo him NHCTVN Bng 13: Kt qu hot ng kinh doanh ca NHCTVN giai on 2008 - 2009 Bng 14: Mt s d bo v nn kinh t Vit Nam 2010-2011 Bng 15: Phn loi lao ng ti thi im 31/03/2009 Bng 16: Cc ch tiu ti chnh c bn ca Vietinbank Bng 17: Tnh hnh ti sn c nh ti thi im 31/12/2009 Bng 18: Tnh hnh qun l v s dng t Bng 19: Mt s khu t chnh do Vietinbank ang s hu Bng 20: D kin k hoch li nhun v c tc Vietinbank 2010-2012 Bng 21: D kin qu trnh tng vn giai on 2010-2012 Bng 22: Bo co thu nhp d kin giai on 2010-2012 Bng 23: Chi tit thu TNDN thi im 31/12/2009 Bng 24: D kin mt s ch tiu k hoch nm 2010


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NI DUNG BN CO BCHI. CC NHN T RI RO 1. Ri ro v kinh tTrong nhng nm qua, nn kinh t Vit Nam t nhng tin b vt bc, tc tng trng GDP trung bnh trong cc nm t 2002 - 2007 l 7,8%. c bit trong nm 2007, tng trng GDP ca Vit Nam ln ti 8,48%, mc tng trng cao nht trong vng 1 thp k qua. Hn th na, nm 2007 cng l nm nh du mc son Vit Nam tr thnh thnh vin th 150 ca T chc Thng mi th gii (WTO), iu ny chng t nn kinh t Vit Nam tng bc hi nhp su rng vi nn kinh t th gii. Cng vi nhng li ch t vic hi nhp vi nn kinh t th gii, Vit Nam cng ang phi i mt vi nhng thch thc v kh khn do vic hi nhp mang li, in hnh l cuc khng hong kinh t th gii bng pht t M. T l lm pht Vit Nam nm 2008 ln n 19,89%, trong khi tc tng trng GDP 2008 c du hiu suy gim ch t mc 6,23% so vi mc 8,48% nm 2007. Bc vo nm 2009, nn kinh t nc ta tip tc gp nhiu kh khn, thch thc. Khng hong ti chnh ca mt s nn kinh t ln trong nm 2008 y kinh t th gii vo tnh trng suy thoi, lm thu hp ng k th trng xut khu, th trng vn, th trng lao ng v tc ng tiu cc ti nhiu lnh vc kinh t-x hi khc ca nc ta. trong nc, thin tai dch bnh xy ra lin tip trn a bn c nc cng gy nh hng ln n sn xut v i sng dn c. GDP nm 2009 ch tng 5,32% trong khi t l lm pht mc 6,8%. Tc tng trng kinh t nm 2009 tuy vn thp hn tc tng ca nm 2008, nhng vt mc tiu tng 5% ca k hoch.

2. Ri ro v li sutMt trong nhng ri ro c th ca ngn hng thng mi l ri ro li sut. Ri ro li sut xy ra khi c s chnh lch gia li sut huy ng u vo v li sut u ra do bin ng ca th trng v chnh lch gia cc k hn huy ng v k hn u t, cho vay ra th trng. Khi li sut th trng thay i, nhng ngun thu chnh t danh mc cho vay v u t chng khon cng nh chi ph tr li i vi tin gi v cc ngun vay ca ngn hng u b tc ng. Nhng thay i ca li sut th trng c th tc ng tiu cc ti li nhun ngn hng do lm tng chi ph ngun vn, gim thu nhp t ti sn, h thp gi tr vn ch s hu ca ngn hng. V vy, s bin ng ca li sut s tc ng n tonCNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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b bng cn i k ton v bo co thu nhp ca ngn hng. Nu khng c s quan tm thch ng n vic qun l ri ro li sut, khng d on c xu hng bin ng ca li sut th cc ngn hng c th b thit hi nng n t loi ri ro ny, thm ch ri vo tnh trng thua l dn n ph sn. phng trnh ri ro li sut, VietinBank trong thi gian qua ch ng p dng mt s chnh sch gim thiu ri ro nh p dng chnh sch li sut linh hot theo th trng; tham gia vo cc hp ng hon i li sut vi nhiu i tc nc ngoi; p dng chnh sch li sut th ni trong nhiu hp ng tn dng ngn hn, trung v di hn nhm gim thiu ri ro li sut; ch trng huy ng vn c thi hn trn 1 nm.

3. Ri ro tn dngRi ro tn dng xut pht t cc hot ng tn dng l kh nng xy ra tn tht do khch hng khng thc hin v thc hin khng ng ngha v ca mnh theo cam kt trong hp ng (cho vay, bo lnh, cc hnh thc cp tn dng khc) lm gim hay mt gi tr ca ti sn c. gim thiu ri ro tn dng, VietinBank ban hnh chnh sch qun l ri ro tn dng v c iu chnh chnh sch tn dng tng thi k nh: a dng ha danh mc u t, ban hnh ton din v thng xuyn cp nht cc quy nh, quy trnh cp v qun l tn dng nh quy nh cho vay i vi cc t chc kinh t; quy nh cho vay tiu dng, quy trnh chm im v xp hng tn dng khch hng, quy trnh cho vay vn lu ng, quy trnh cho vay d n u t, quy trnh kim tra gim st khon vay, quy trnh qun l v x l n c vn , xt duyt hn mc tn dng, quy nh mc phn quyt tn dng theo cp . Bn cnh Vietinbank cn xy dng h thng tnh im xp hng ring cho tng loi khch hng nh khch hng l cng ty, khch hng l cc nh ch ti chnh v khch hng c nhn; c cu t chc b my bao gm cc b phn c lp: Ban hnh c ch chnh sch, Qun l ri ro, quan h khch hng, Qun l n c vn v Kim tra gim st c lp; thc hin phn cp quyt nh tn dng t HQT n trng phng giao dch; cnh bo ri ro t cc ngnh hng, cc khu vc kinh t, cc doanh nghip, ti sn bo m...; cung cp thng tin v t vn cho khch hng gim thiu ri ro trong cc giao dch thng mi. c bit m bo tnh c lp, khch quan trong quyt nh cp v qun l tn dng, bn cnh cc phng tn dng trc tip cho vay khch hng VietinBank xy dng b my qun l ri ro tn dng t Tr s chnh n mi chi nhnh vi chc nng, nhim v ch yu l thm nh c lp trc khi cp tn dng, pht hin, phng nga, cnh bo smCNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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ri ro tn dng. VietinBank thc hin vic chm im xp hng chi nhnh xc nh mc y quyn phn quyt cho chi nhnh, thc hin kim tra nghip v hng nm v ch trng o to, nng cao trnh chuyn mn, o c ngh nghip cho cn b.

4. Ri ro v ngoi hiRi ro ngoi hi pht sinh khi c s bin ng v t gi ngoi hi trn th trng i vi cc khon mc ti sn N v ti sn C bng ngoi t ti Ngn hng. qun tr ri ro v ngoi hi, VietinBank thit lp h thng chnh sch qun l tp trung trng thi ngoi hi ca ton h thng, trong quy nh hn mc trng thi ngoi t cho tng chi nhnh, hn mc i tc v Hi s chnh. Ti Hi s chnh, cc trng thi ngoi hi pht sinh ca ton h thng c kim sot v cn bng kp thi, m bo cui ngy trn bng cn i ton h thng, trng thi ngoi hi c duy tr mc hp l, an ton v tun th quy nh ca php lut. gim thiu v phng trnh ri ro v ngoi hi, ngoi cc quy nh v trng thi, hn mc, nghip v mua bn ngoi t giao ngay, hin ti VietinBank cn p dng cc nghip v phi sinh nh k hn v hon i ngoi t.

5. Ri ro v thanh khonThanh khon l mt mu cht quan trng trong cng tc cn i v iu ha vn l yu t sng cn trong hot ng kinh doanh ca ngn hng. Ri ro thanh khon l kh nng ngn hng khng th p ng cc nhu cu rt tin thng xuyn hoc t xut ca ngi gi cng nh p ng cc ngha v chi tr ti chnh khc. Ri ro thanh khon bt ngun t s khng ph hp v quy m v k hn gia cc ti sn n v ti sn c ca ngn hng ti thi im hin ti hay trong tng lai. Mt khc tm l s ng l mt nguyn nhn quan trng dn ti ri ro thanh khon. Vic rt tin hng lot c th xy ra khi tr trng kinh t Vit Nam v th gii c nhng du hiu bt n, lm nh hng khng nh n vn thanh khon ca ngn hng v ri ro thanh khon l rt ln v thit hi kh lng. m bo tnh thanh khon, bn cnh vic lp k hoch s dng v cn i vn hp l, VietinBank lun tnh ton v duy tr t l hp l ti sn di dng tin mt, ti sn tng ng tin, ti khon Nostro, cc cng c th trng tin t v cc qu d tr c bit ti NHNN.

6. Ri ro t cc hot ng ngoi bngTrong qu trnh hot ng kinh doanh, Ngn hng thc hin cc nghip v ti chnh c hch ton ngoi bng, cc nghip v ny (ch yu l nghip v bo lnh ti chnh v giaoCNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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dch th tn dng) cng to ra nhng ri ro tn dng cho Ngn hng ngoi cc ri ro tn dng c ghi nhn trong ni bng. i vi cc nghip v bo lnh ti chnh, ri ro tn dng lin quan n vic cp bo lnh v c bn ging ri ro cho vay khch hng nhng ri ro thp hn so vi hot ng cho vay. Do , VietinBank phn loi bo lnh, th tn dng cung cp sn phm cho khch hng v c cc bin php gim st vic thc hin ngha v c tha thun trong hp ng ca khch hng vi i tc. ng thi, vic phn cp bo lnh, m th tn dng cho khch hng c thc hin trn c s thm nh cht ch nh khon vay theo cc quy nh, quy trnh nghip v. Khi thc hin pht hnh cc th tn dng thng mi tr ngay/tr chm, khch hng ca VietinBank l Ngi mua/Nh nhp khu hng ha v Bn th hng l Ngi bn/Nh xut khu hng ha, ri ro pht sinh t cc giao dch ny khi Bn th hng hon thnh ngha v m khch hng khng thc hin thanh ton. Lc , Ngn hng s phi thanh ton cho Bn th hng thay cho khch hng, ngha v pht sinh ca khch hng s c thanh ton trong ni bng vi t cch l nhng khon tn dng bt buc. hn ch ri ro ny, Ngn hng c cc bin php nh kim sot cht ch b chng t hng ha hoc yu cu khch hng k qu m bo cho cc giao dch ny khi cn thit. T l k qu dao ng t 0% n 100% gi tr th tn dng pht hnh ty thuc vo mc tin cy ca khch hng v c th khng thc hin bin php m bo trong trng hp khch hng c nng lc ti chnh mnh, hot ng sn xut kinh doanh c hiu qu, phng n kinh doanh c kh thi.

7. Ri ro v lut phpL mt doanh nghip c phn hot ng trong lnh vc kinh doanh ti chnh tin t nn hot ng ca VietinBank c qun l cht ch bng Lut doanh nghip, cc vn bn php lut v di lut ca Ngn hng Nh nc. Nhng thay i, chnh sa, b sung cc vn bn php lut ca Nh nc u nh hng trc tip ti hot ng ca Ngn hng. ng thi, do nim yt c phiu trn S Giao dch chng khon nn Ngn hng cn phi tun th cc quy nh php lut v chng khon v th trng chng khon. Hiu c rt r vn ny, VietinBank a ra nhng bin php hn ch ri ro php lut ca VietinBank nh sau: VietinBank thit lp mt B phn php ch c chc nng tham mu cho Ban lnh o

Ngn hng, t vn cho cc n v v cc cn b trong ton h thng v cc vn c linCNG TY CP CHNG KHON NGN HNG CNG THNG VIT NAM

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quan ti yu t php l nhm gip cho cc quyt nh ca Ban lnh o Ngn hng, cc n v v cc nhn trong h thng tun th ng cc quy nh ca Php lut. B phn php ch cng c trch nhim nghin cu, cp nht nhng thay i ca php lut; h thng ho cc vn bn quy phm php lut nhm cung cp cc vn bn php l cn thit trong ton h thng. Thng xuyn t chc cc lp o to nhm nng cao kin thc php l v k nng

m phn, thng tho, son tho Hp ng, gii quyt tranh chp. i vi nhng giao dch c gi tr ln hoc phc tp, VietinBank thng thu cc

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

8. Ri ro h thng cng ngh thng tinH thng cng ngh thng tin ng mt vai tr quan trng trong hot ng ca Ngn hng. H thng cng ngh thng tin gp phn gip Ngn hng hot ng chuyn nghip, x l kp thi cc giao dch, m bo tnh an ton v bo mt trong cng tc qun l d liu. Ri ro lin quan n h thng cng ngh thng tin l nhng ri ro, thit hi do yu t k thut cng ngh, nhng sai st trong qu trnh vn hnh h thng gy ra. Trong nhng nm qua VietinBank ch trng u t, khng ngng nng cp h thng v a ra cc chnh sch kim sot bo mt, an ninh, an ton h thng dnh cho nhn vin nhm gim thiu nhng ri ro lin quan n h thng cng ngh thng tin. Hin nay, VietinBank khai trng v a vo s dng Trung tm d phng thng tin.

9. Ri ro tc nghipRi ro tc nghip l loi ri ro lin quan n cng ngh, c s h tng, quy trnh nghip v, yu t con ngi v.v. trong qu trnh hot ng kinh doanh ca ngn hng. Ri ro tc nghip lin quan nhng s c hoc sai st trong qu trnh hot ng kinh doanh lm thit hi cho khch hng v i tc dn n vic ngn hng b khi kin. Nguyn nhn dn n ri ro ny l do con ngi hoc h thng cng c qun l. phng chng ri ro ny, Vietinbank thc hin chun ha cc quy trnh nghip v chnh theo tiu chun ISO 9001:2008. Bn cnh , cc quy trnh trong qun l bao gm: tuyn dng, o to, nh gi ni b, thit k v pht trin sn phm, qun l ti sn khch hng v.v. c tiu chun ha.


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

11.Ri ro pha long c phiuPha long quyn biu quyt: C th c do ton b s c phn trong t pht hnh ny l c phn t do chuyn nhng. Pha long thu nhp trn mi c phn (EPS): trong trng hp tt c nhng yu t khc khng i, vi vic pht hnh thm tng cng 392.000.000 c phn cho c ng hin hu s khin EPS ca VietinBank sau t pht hnh s gim xung. Pha long gi th trng: gi c phiu s iu chnh gim trong ngy giao dch khng hng quyn. Cn c phng n pht hnh, c ng s hu 01 (mt) c phiu s c nhn 0,0683 c phiu tr c tc v c quyn mua 0,28 c phiu vi gi 10.000 ng/c phiu. Cng thc tnh gi c phiu b pha long nh sau: P1 = (P0 + 10.000 x 0,28) / (1 + 0,0683 + 0,28) Vi: P0 l gi ng ca ca ngy giao dch lin trc ngy giao dch khng hng quyn; P1 l gi iu chnh ti ngy giao dch khng hng quyn. V d, gi ng ca ca ngy giao dch lin trc ngy giao dch khng hng quyn l: P0 = 30.000 ng/c phiu. Gi iu chnh ti ngy giao dch khng hng quyn s l: P1 = (30.000 + 10.000 x 0,28) / (1 + 0,0683 + 0,28) = 24.300 ng/c phiu

12.Ri ro ca t cho bnt cho bn c tnh ton k lng cn c vo tnh hnh th trng, gi cho bn v mc ch huy ng vn ph hp. Tuy nhin, ri ro lin quan n t cho bn l khng th loi tr v ngoi nhng l do khch quan khng th kim sot nh tnh hnh kinh t x hi bin ng th cc yu t thuc tm l ca nh u t s nh hng n t cho bn chng khon ca VietinBank. Trong trng hp khng cho bn ht, s lng c phn


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BN CO BCH

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

13.Ri ro khcCc ri ro khc nh thin tai, ha hon l nhng ri ro bt kh khng, nu xy ra s gy nh hng cho hot ng ca Ngn hng.


16


BN CO BCH

II. NHNG NG I CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH 1. T chc pht hnh - Ngn hng Th ng mi C phn Cng th ng Vit Nam (VietinBank)ng Phm Huy Hng ng Phm Xun Lp ng: Nguyn Vn Chung B: Trn Th L Nga Chc v: Ch tch Hi ng Qun tr Chc v: Tng Gim c Chc v: K ton trng Chc v: Trng Ban Kim sot

Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l ph hp vi thc t m chng ti c bit, hoc iu tra, thu thp mt cch hp l.

2. T chc t vn Cng ty c phn Chng khon Ngn hng Cng th ng Vit nam (VietinBankSc): : ng Nguyn Th Phng Ph Tng Gim c

Ngn hng Thng mi c phn Cng thng Vit Nam Ngn hng Thng mi c phn Cng thng Vit Nam .


17

III. CC KHI NIMT chc nim yt NHTMCPCTVN VietinBank NHCTVN NHTMCP NHTMNN DNVVN NHTM TCTD HQT BKS CP NHNN DNNN ALCO Ngn hng Thng mi C phn Cng thng Vit Nam Ngn hng Thng mi C phn Cng thng Vit Nam Tn vit tt ca Ngn hng TM C phn Cng thng Vit Nam Ngn hng Cng thng Vit Nam Ngn hng Thng mi c phn Ngn hng Thng mi Nh nc Doanh nghip va v nh Ngn hng thng mi T chc tn dng Hi ng Qun tr Ban kim sot C phn Ngn hng Nh nc Doanh nghip nh nc Asset - Liability Management Committee - y ban Qun L Ti sn N - Ti sn C ATM C AML Automated Teller Machine - My rt tin t ng C ng Anti-Money Laundering Chng ra tin

IV. TNH HNH V C IM CA T CHC PHT HNH 1. Gii thiu chung v t chc pht hnh

Tn gi doanh nghip: NGN HNG THNG MI C PHN CNG THNG VIT NAM Tn giao dch i ngoi: VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY AND TRADE Tn vit tt: Logo a ch doanh nghip: in thoi: Website: Slogan: S 108 Trn Hng o, Hon Kim, H Ni 84.4. 3942.1030 Fax: 84.4. 3942.1032 VIETINBANK

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

Giy php thnh lp v hot ng Ngn hng thng mi c phn Cng thng Vit Nam s 142/GP-NHNN ca NHNN cp ngy 03 thng 07 nm 2009; Giy Chng nhn ng k Kinh doanh cp thay i ln th nht 0100111948 do S K hoch v u t TP H Ni cp ngy 30/06/2010; Vn iu l hin ti: 11.252.972.800.000 ng, trong :

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

C chin lc 1,81%

C khc 8,96%

C nhn 3.18%

Nh nc 89,23%

T chc 96.82%

Ngun: Vietinbank

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

Huy ng vn: Hot ng huy ng vn bao gm nhn tin gi ca khch hng bng ni v ngoi t, pht hnh chng ch tin gi, tri phiu, k phiu, v cc giy t c gi khc huy ng ngun vn, vay t cc nh ch ti chnh trong nc v nc ngoi, vay t NHNN, v cc hnh thc vay vn khc theo quy nh ca NHNN. Hot ng tn dng: Tn dng l mt trong nhng hot ng kinh doanh chnh ca VietinBank. Cc hot ng tn dng ca VietinBank bao gm cp vn vay bng ni v ngoi t, bo lnh, chit khu, cho thu ti chnh, v cc hnh thc cp tn dng khc theo quy nh ca NHNN. Hot ng u t: Cc hot ng u t ca VietinBank c thc hin thng qua vic tch cc tham gia vo th trng lin ngn hng v th trng vn. Ti sn u t bao gm Tri phiu Chnh ph, Tn phiu kho bc, Tn phiu NHNN, Cng tri xy dng T quc, Tri phiu gio dc, Tri phiu Chnh quyn a phng, Tri phiu NHTM, Tri phiu doanh nghip v.v. Ngoi ra VietinBank cn gp vn mua c phn ca cc doanh nghip trong v ngoi nc v gp vn lin doanh vi cc t chc nc ngoi. Dch v thanh ton v ngn qu: VietinBank tp trung cung cp dch v thanh ton v ngn qu cho khch hng, bao gm thanh ton trong nc v quc t, thu chi h khch hng, thu chi bng tin mt v sc. Cc hot ng khc: Bn cnh cc dch v kinh doanh chnh, VietinBank cung cp mt s dch v b sung cho khch hng bao gm cc hot ng trn th trng tin t, kinh doanh giy t c gi bng VND v ngoi t, chuyn tin trong nc v quc t, chuyn tin kiu hi, kinh doanh vng v ngoi hi, cc hot ng i l v y thc, bo him, cc hot ng chng khon thng qua cc cng ty con, dch v t vn ti chnh, dch v qun l vn, dch v thu chi, dch v th, gi v gi ti sn, cho vay ng trc tin bn chng khon, dch v ngn hng qua in thoi, dch v ngn hng in t, v.v. Sn phm v dch v cung cpo o

Cho vay (ngn hn, trung hn v di hn) v u t Dch v huy ng tin gi dn c (ngn, trung, di hn)

o o o o o o o o o

Dch v chuyn tin trong v ngoi nc Dch v chng khon Dch v m v s dng ti khon Dch v thanh ton xut nhp khu Cc dch v ngn hng bn bun v bn l trong v ngoi nc Dch v t vn ti chnh tin t Dch v thanh ton v ngn qu Dch v chit khu v ti chit khu Dch v ngn hng in t Internet Banking, Phone Banking, Mobile Banking v SMS Banking

o o o o o o o

Dch v th (th tn dng quc t, th ghi n, th tr trc) Dch v chuyn tin kiu hi Dch v bo him v ti bo him Dch v bo lnh v ti bo lnh Cho thu ti chnh Hot ng ngn hng i l Cc dch v khc theo iu l hot ng ca Ngn hng.

2. Tm tt qu trnh hnh thnh v pht trinNgn hng Thng mi C phn Cng thng Vit Nam (VietinBank), tin thn l Ngn hng Cng thng Vit Nam, c thnh lp di tn gi Ngn hng chuyn doanh Cng thng Vit Nam theo Ngh nh s 53/N-HBT ngy 26 thng 03 nm 1988 ca Hi ng B trng v t chc b my NHNNVN v chnh thc c i tn thnh Ngn hng Cng thng Vit Nam theo quyt nh s 402/CT ca Ch tch Hi ng B trng ngy 14 thng 11 nm 1990. Ngy 27 thng 03 nm 1993, Thng c NHNN k Quyt nh s 67/Q-NH5 v vic thnh lp NHCTVN thuc NHNNVN. Ngy 21 thng 09 nm 1996, c s y quyn ca Th tng Chnh Ph, Thng c NHNN k Quyt nh s 285/Q-NH5 v vic

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

3. C cu t chc v b my qun l ca Ngn hng3.1. C cu t chc ca Ngn hng thng mi c phn Cng thng Vit Nam

Hnh 2: H thng t chcTR S CHNH

S GIAO DCH

CHI NHNH

VN PHNG I DIN

N V S NGHIP

N V HCH TON C LP

PHNG GIAO DCH

QU TIT KIM

(Ngun: VietinBank)

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


BN CO BCH

Hnh 3: C cu t chc chi titI HI NG C NG

BAN KIM SOT

HI NG QUN TR

Cc y ban

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

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

Cc cng ty con, cng ty lin kt

y ban nhn s, tin lng, thng

Ban kim tra, kim sot ni b

B my kim ton

y ban chnh sch

Ban th k HQTy ban qun l ti sn n, c

Ban Thng tin truyn thng

Khi KD

Khi Dch v

Khi Qun l ri ro

Khi h tr

Khi CNTT

S Giao dch

Chi nhnh

P. Khch hng Doanh nghip

Vn phng i din

n v s nghip

Trung tm th

P. Qun l ri ro TD&T

P. KH & HT ALCO

P Ql KTTC

TT Cng ngh thng tin

Phng giao dch loi I

Phng GD loi II

P. Khch hng DNV&N

P. Dch v Ngn hng in t

P. ch TD& T

P. QL chi nhnh v thng tin

P. Ch k ton

P. QL v h tr h thng INCAS

VPD trong nc

VPD trong nc

Trung tm th

P. Khch hng c nhn

P. Thanh ton VN S Giao dch III

P.Ql RR th trng &TN

P. Php ch P. Tin t kho qu P. Xy dng v Qun l ISO BQL hin i ha CNTT Trng T&P T NNL

P. nh ch ti chnh

P. Qun l n c vn P. Thanh ton ngn qu

P. Thanh, quyt ton vn KD

P. Kinh doanh ngoi t

P. TCCB v T P. Qun tr

P. u t

P. Dch v kiu hi

P. QLL - TL

P. Kinh doanh dch v

Vn phng TG

CNG TY C PHN CHNG KHON NGN HNG CNG THNG VIT NAM

23

P .

QL u t XDCB & mua sm TS Ban thi ua P. Kinh doanh vng bc,

Ngun: Vietinbank

CNG TY C PHN CHNG KHON NGN HNG CNG THNG VIT NAM

23

Cc chi nhnh ca NHCT c c cu theo hai m hnh t chc sau: Hnh 4: C cu t chc: Cp chi nhnh (M hnh 1)BAN GIM C

KHI KINH DOANH

KHI QUN L RI RO

KHI TC NGHIP

KHI H TR

PHNG GIAO DCH

Phng khch hng DN ln

Phng/t qun l ri ro

Phng k ton giao dch

Phng/t tng hp

Phng KH DNV&N

Phng/t qun l n c vn

Phng tin t, kho qu

Phng T chc hnh chnh

Phng khch hng c nhn Qu tit kim, im giao dch

Phng/t thanh ton xut nhp khu

Phng/t thng tin in ton

Ngun: Vietinbank

Hnh 5: C cu t chc: Cp chi nhnh (M hnh 2)BAN GIM C

KHI KINH DOANH

KHI QUN L RI RO

KHI TC NGHIP

KHI H TR

PHNG GIAO DCH

Phng khch hng DN Phng khch hng c nhn

Phng/t qun l ri ro v n c vn

Phng k ton giao dch Phng tin t, kho qu

Phng T chc hnh chnh Phng/t thng tin in ton

Qu tit kim, im giao dch

Phng/t thanh ton xut nhp khu

Ngun: VietinBank


24

C cu t chc ca Phng Giao dch c th hin nh sau: Hnh 6: C cu t chc: Phng Giao dchTrng Phng Giao dch Ph Phng Giao dch

B phn Kinh doanh

B phn K ton

B phn Kho qu

Qu Tit Kim

Ngun: Vietinbank i hi ng C ng i hi ng C ng l c quan quyn lc cao nht ca Vietinbank, bao gm tt c c ng c quyn biu quyt c tn trong danh sch ng k c ng u c quyn tham d. HC c th c t chc thng qua cuc hp HC thng nin, HC bt thng hoc ly kin bng vn bn. i hi ng c ng quyt nh t chc li v gii th Ngn hng, quyt nh nh hng pht trin ca Ngn hng, b nhim, min nhim thnh vin Hi ng Qun tr, thnh vin Ban Kim sot; quyt nh cc cng vic khc theo quy nh ca php lut v iu l Ngn hng. Hi ng Qun tr Hi ng Qun tr l c quan qun tr cao nht ca Ngn hng, c y quyn hn thay mt HC quyt nh cc vn lin quan n mc tiu v li ch ca Ngn hng, ngoi tr cc vn thuc quyn hn ca i hi ng C ng. Hi ng Qun tr do i hi ng C ng bu ra. C cu Hi ng Qun tr hin ti nh sau: ng Phm Huy Hng - Ch tch HQT ng Phm Xun Lp - U vin HQT B Phm Th Hong Tm - U vin HQT ng Trn Xun Chu - U vin HQT B Th Thy - U vin HQT B Nguyn Hng Vn - y vin HQT B Trn Th Hng Hnh - y vin HQT

Trc thuc HQT c cc y ban: y ban gim st v qun l ri ro

y ban nhn s, tin lng, thng y ban Ti sn N - C y ban chnh sch

Ban iu hnh Ban iu hnh bao gm Tng gim c v cc ph Tng gim c, K ton trng, do HQT quyt nh b nhim, min nhim. Tng Gim c l ngi i din theo php lut ca Ngn hng v l ngi iu hnh cao nht mi hot ng kinh doanh hng ngy ca Ngn hng. C cu Ban iu hnh hin ti nh sau: ng Phm Xun Lp - Tng Gim c ng Nguyn Vit Mnh - Ph Tng Gim c ng Nguyn Vn Thnh - Ph Tng Gim c ng Nguyn Vn Du - Ph Tng Gim c ng Phm Anh Tun - Ph Tng Gim c B Bi Nh - Ph Tng Gim c ng L c Th - Ph Tng Gim c ng V Minh Tun Ph Tng Gim c ng Nguyn Vn Chung - K ton trrng

Ban kim sot Ban kim sot l c quan do i hi ng c ng bu ra, thay mt cc c ng kim sot mt cch c lp, khch quan v trung thc mi hot ng kinh doanh, qun tr v iu hnh Ngn hng, chu trch nhim trc i hi ng c ng trong thc hin nhim v c giao. C cu Ban kim sot hin ti nh sau: B Trn Th L Nga - Trng Ban Kim sot B Phm Th Thm - U vin B Phan Th Qu - U vin

Cc b phn trc thuc hi s chnh Hi ng tn dng: Quyt nh cp gii hn tn dng, khon tn dng c gi tr ln; Xem xt nht tr v trnh HQT thng qua vi nhng khon vay v tng khon vay ln; Quyt nh nh hng ngnh hng mc tiu, nhm khch hng mc tiu, nhm khch hng c kh nng tng trng tn dng, nhm khch hng cn hn ch tng trng tn dng ca VietinBank; Quyt nh iu chnh, b sung cc tiu ch xc nh nhm khch hng; Quyt nh cc vn phc tp khc c lin quan ti hat ng tn dng; xut Tng gim c trnh HQT quyt nh thng qua t l tng trng, c cu tn dng hng nm ca

VietinBank. Hi ng tn dng bao gm Hi ng tn dng tr s chnh v hi ng tn dng c s. Hi ng nh ch: Chc nng v i ngoi v quan h hp tc, bn sn phm dch v ca VietinBank cho cc nh ch ti chnh trong v ngoi nc v to ra li nhun. Nhim v chi tit bao gm: Pht trin quan h i ngoi v xy dng quan h i tc chin lc vi 1 s nh ch trong v ngoi nc; Phn tch, nh gi thm nh nng lc ti chnh v hat ng kinh doanh ca cc nh ch ti chnh, nh hn mc ti tr thng mi, u t tin gi nc ngoi...; Tham gia kin trong vic pht hnh, bo lnh, ti bo lnh, xc nhn L/C; Phn tch, nh gi tnh hnh kinh t ti chnh tin t cc nc; Phi hp vi cc phng ban lin quan nghin cu vic ng m ti khon NOSTRO, Xy dng biu ph ngoi t; Pht trin m rng dch v chi tr kiu hi, sc du lch, kinh doanh ngoi t mt...; Xy dng v bo v k hoch cho vay tr n nc ngoi vi NHNN; Tp cn b ti chnh, NHNN v cc t chc quc t lm ngn hng phc v d n ODA; Cung cp thng tin cn thit v th trng ti chnh tin t, kinh t th gii; Son tho pht hnh bo co thng nin; Sa i b sung ban hnh mi danh sch ch k y quyn ca VietinBank. Cc Khi nghip v, bao gm: Khi kinh doanh v khi dch v: gm cc b phn nghip v trc tip kinh doanh, to li nhun cho Ngn hng. Khi qun l ri ro: gm cc b phn nghip v thc hin chc nng qun l ri ro trong hot ng ca Ngn hng (Ri ro tn dng, ri ro th trng, ri ro thanh khon, ri ro tc nghip) Khi h tr: gm cc b phn nghip v thc hin chc nng qun l, h tr hot ng kinh doanh ca Ngn hng. Khi Cng ngh Thng tin: Nghin cu, ng dng cng ngh tin hc phc v yu cu qun l v pht trin hot ng kinh doanh, m bo h thng CNTT hot ng chnh xc, lin tc, thng sut v an ton.

-

4. Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng, danh sch c ng sng lp v t l c phn nm gi, c cu c ng4.1. Danh sch c ng nm gi t 5% tr ln vn c phn ca VietinBank Bng 1: Danh sch C ng nm trn 5% vn C phn ti thi im 30/6/2010 TT 1 C ng ln C ng Nh nc S c phn Gi tr (ng) (%) 89,23%

1.004.085.500 10.040.855.000.000 (Ngun: VietinBank)

Ghi ch: Theo Cng vn s 563/TTg-KTTH ngy 07 thng 4 nm 2010 ca Th tng Chnh ph v vic i din ch s hu vn nh nc ti NHTMCP, Ngn hng Nh nc Vit Nam l c quan i din ch s hu phn vn Nh nc, c ngi i din phn vn Nh nc ti Ngn hng TMCP CTVN v thc hin mua phn vn pht hnh cho c ng Nh nc theo ch o ca Th tng Chnh ph ti vn bn s 1063/VPCP_KTTH ngy 13/02/2010 ca Vn Phng Chnh ph. Cn c Cng vn s 3956/NHNN-TCCB ngy 01 thng 6 nm 2009 v vic gii thiu cn b tham gia HQT, BKS Ngn hng TMCP Cng thng Vit Nam, i din phn vn nh nc ti Ngn hng TMCP Cng Thng Vit Nam bao gm: 4.2. 4.3. ng Phm Huy Hng - i din 40% ng Phm Xun Lp - i din 30% B Phm Th Hong Tm - i din 18,90%

Danh sch c ng sng lp v t l c phn nm gi: Khng c C cu c ng ca Vietinbank ti thi im 12/3/2010 Bng 2: C cu c ng n thi im 12/3/2010

TT

C ng

S l ng c phn 1.004.085.500 20.324.580 100.887.200 1.125.297.280 1.089.457.034 1.077.393.598 12.063.436 35.840.246 35.548.996 291.250 1.125.297.280

Gi tr (VND)

T l

Phn theo tnh cht s hu 1 2 3 C ng Nh nc Nh u t chin lc C ng bn ngoi Tng cng Phn theo loi hnh s hu 1 a b 2 a b T chc Trong nc Nc ngoi C nhn Trong nc Nc ngoi Tng Phn theo loi c phiu 10.894.570.340.000 10.773.935.980.000 120.634.360.000 358.402.460.000 355.489.960.000 2.912.500.000 11.252.972.800.000 96,82% 95,74% 1,07% 3,18% 3,16% 0,03% 100,00% 10.040.855.000.000 203.245.800.000 1.008.872.000.000 11.252.972.800.000 89,23% 1,81% 8,96% 100,00%

1 2

C phiu ca Nh nc C phiu hn ch chuyn nhng ca Nh u t chin lc C phiu hn ch chuyn nhng ca Cng on C phiu hn ch chuyn nhng ca C ni b C phiu t do chuyn nhng Tng

1.004.085.500 20.324.580 26.800.000 202.318 73.884.882 1.125.297.280

10.040.855.000.000 203.245.800.000 268.000.000.000 2.023.180.000 738.848.820.000 11.252.972.800.000

89,23% 1,81% 2,38% 0,02% 6,57% 100,00%

3 4 5

(Ngun: VietinBank)

5. Danh sch nhng cng ty m v cng ty con ca t chc ng k nim yt, nhng cng ty m t chc ng k nim yt ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi phi i vi t chc ng k nim yt5.1. C ng ln

Nh nc l c ng ln ca VietinBank nm gi 89, 23% vn iu l. 5.2. Cng ty con v cng ty lin doanh

Bn cnh cc hot ng chnh ca mt ngn hng thng mi, NHCT cn thc hin cc hot ng khc nh u t vo cc cng ty con v Cng ty lin doanh, lin kt. n 31/12/2008, NHCT gp vn vo 3 cng ty con vi t l s hu l 100% vn iu l, 1 cng ty con vi t l s hu l 75,6% vn iu l v 1 Ngn hng lin doanh vi t l 50% Bng 3: Danh sch cng ty con v cng ty lin doanh ca Vietinbank ti thi im 31/12/2009 S hu ca Vietinbank (%) 100 75,6 100 Vn iu l

STT 1 2 3

Tn Cng ty TNHH mt thnh vin Cho thu ti chnh NH TMCP CT VN Cng ty CP Chng khon NHCTVN Cng ty Qun l N v Khai thc ti sn NH TMCP CT VN

500 t ng 790 t ng 30 t ng

STT 4 5

Tn Cng ty TNHH mt thnh vin Bo him NH TMCP CT VN Ngn hng Lin doanh Indovina

S hu ca Vietinbank (%) 100 50

Vn iu l

300 t ng 125 triu USD

Ngun: Bo co ti chnh kim ton nm 2009 ca VietinBank Cng ty TNHH mt thnh vin cho thu ti chnh Ngn hng Cng thng: Gii thiu chung: L cng ty con ca Ngn hng Cng thng Vit nam, hch ton c lp, thnh lp theo quyt nh s 53/1998/Q-NHNN5 ngy 26/01/1998 ca Thng c ngn hng Nh nc Vit Nam. Giy chng nhn ng k kinh doanh s 112446 do S K hoch v u t H Ni cp ngy 28/03/1998. T thng 8 nm 2009, Cng ty c VietinBank chp thun v NHNN chun y chuyn sang m hnh Cng ty cho thu ti chnh trch nhim hu hn mt thnh vin. n thng 12 nm 2009, vn iu l ca Cng ty tng ln 500 t ng. Tr s chnh: in thoi: 18 Phan nh Phng - Ba nh - H ni 04-38233045 Fax 04-3733579

Ngnh ngh kinh doanh: cho thu ti chnh i vi cc doanh nghip thnh lp theo php lut Vit Nam, trc tip s dng ti sn cho thu theo mc ch kinh doanh hp php; T vn, nhn bo lnh khch hng v nhng dch v c lin quan n nghip v cho thu ti chnh, thc hin cc nghip v khc khi c NHNN v cc c quan chc nng cho php. Cng ty C phn Chng khon Ngn hng Cng th ng Vit Nam

Gii thiu chung: c thnh lp theo Quyt nh s 126/Q-HQT-NHCT1 ngy 01 thng 9 nm 2000 ca Hi ng qun tr Ngn hng Cng thng Vit Nam, hot ng theo Giy php hot ng kinh doanh chng khon s 07/2000/UBCKGPHKD ngy 06/10/2000 v Giy php iu chnh s 156/UBCK-GP ngy 10/10/2008 do y bn chng khon Nh nc cp. Thng 4 nm 2009 Cng ty thc hin thnh cng t IPO v chuyn i sang hnh thc cng ty c phn. Ngy 31/7/2010 c phiu ca Cng ty chnh thc nim yt v giao dch trn S GDCK Thnh ph H Ni vi m giao dch l CTS. Vn iu l sau khi chuyn i l 789,934 t ng, VietinBank nm 75,6% vn iu l.

Tr s chnh: in thoi:

306 B Triu, Qun Hai B Trng, H Ni 04-39741763 Fax 04-39741760

Hot ng chnh: cc hot ng kinh doanh trong lnh vc chng khon bao gm mi gii, t doanh, bo lnh pht hnh, t vn u t, t vn ti chnh v lu k chng khon. Cng ty Qun l n v khai thc ti sn Ngn hng TMCP Cng thng Vit nam

Gii thiu chung: hot ng theo Giy chng nhn ng k kinh doanh s 416000331 ngy 09/10/2008 do S k hoch v u t thnh ph H Ch Minh cp. Tr s chnh: in thoi: 76 Nguyn Vn C, Qun I, thnh ph H Ch Minh 08-39203982 Fax: 08-38367093

Ngnh ngh kinh doanh: tip nhn, qun l cc khon n tn ng v ti sn m bo n vay lin quan n cc khon n x l, thu hi vn nhanh nht, x l cc ti sn m bo n vay, c cu li n tn ng, mua bn n tn ng.... Cng ty TNHH mt thnh vin Bo him Ngn Hng TMCP Cng Thng Vit Nam:

Gii thiu chung: tin thn l Cng ty lin doanh Bo Him Chu - Ngn Hng Cng Thng, mt lin doanh gia Ngn hng Cng thng Vit Nam v Cng ty TNHH Tokyo Marine Insurance Singapore vi t l gp vn 50/50, c thnh lp theo Giy php s 21/GP/KDBH ngy 21/12/2002. Ngy 17/12/2008, B Ti chnh cp Giy php iu chnh s 21/GPC5/KDBH cho php chuyn i Cng ty lin doanh Bo him Chu , trn c s Ngn hng Cng thng Vit Nam mua li ton b vn gp ca pha i tc nc ngoi trong Cng ty lin doanh tr thnh Cng ty trc thuc hch ton c lp 100% vn ca Ngn hng Cng thng Vit Nam.

Tr s chnh: in thoi:

141 L Dun, Hon Kim, H Ni 04-39425650 Fax: 04-39425646

Lnh vc kinh doanh chnh: cc loi sn phm bo him phi nhn th theo quy nh ca php lut, kinh doanh ti bo him lin quan n cc loi nghip v bo him ni trn, qun l cc qu u t, gp vn, mua c phn... Ngn hng lin doanh Indovina

Gii thiu chung: Ngn hng trch nhim hu hn Indovina (IVB) l Ngn hng lin doanh u tin ca Vit Nam c thnh lp ngy 21 thng 11 nm 1990 theo Giy php ca y Ban Nh Nc v hp tc v u t s 135/GP sau c thay bng Giy php s 08/NH-GP do Ngn hng Nh nc Vit Nam cp ngy 29 thng 10 nm 1992. Cc bn lin doanh l Ngn hng Cng thng Vit Nam v Ngn hng

Cathay United (CUB) ca i Loan, l mt thnh vin hon ton trc thuc ca Tp on Ti chnh Cathay - tp on ti chnh ln nht i Loan Tr s chnh: in thoi: 46-48-50 Phm Hng Thi, Qun 1, Tp.H Ch Minh 08-3822 4995 Fax: 08-3823 0131

Lnh vc hot ng chnh: cung cp cc dch v ngn hng nh tin gi, cho vay, dch v th, L/C, chuyn tin...

6. Hot ng kinh doanh6.1. Hot ng kinh doanh chnh

6.1.1. Tnh hnh huy ng vn Trong giai on 2004 2008, th trng tin t c nhiu bin ng v li sut trong nc v quc t, lm pht v cnh tranh gia cc TCTD trong nc v huy ng vn nh hng n hot ng huy ng vn ca cc NHTM ni chung v Vietinbank ni ring. n nm 2009 v u nm 2010, th trng tng i bnh n, tuy nhin nhng bin ng trong nm 2008 vn tc ng tiu cc n th trng. Mc d mi trng y thch thc, VietinBank thnh cng trong vic tng cng cc hot ng huy ng vn bng cch p dng chin lc huy ng vn vi quan im m bo hot ng kinh doanh song song vi vic tun th cc quy nh hin hnh. Cc chin lc huy ng vn ca VietinBank nh sau: Pht trin cc sn phm mi vi s h tr ca cc hot ng khuyn mi c trng im v tch cc qung b sn phm dch v ti cc c nhn. Xy dng v hon thin cc quy nh v tin gi tit kim, v pht hnh giy t c gi trong h thng Ngn hng. p dng cc sn phm huy ng mi trong th trng ni a v quc t, a dng ha cc sn phm tin gi, linh hot v thi hn v li sut huy ng nh sn phm tit kim rt gc linh hot, sn phm tit kim li sut bc thang theo thi gian v theo s d tin gi, tit kim li sut th ni, pht hnh tri phiu, chng ch tin gi v.v., phi hp vi cc b phn chc nng khc pht trin sn phm th nhm tng cng kh nng huy ng vn. p dng chnh sch li sut linh hot da trn yu t cung - cu, cng nh li sut khc nhau gia cc chi nhnh ca Ngn hng. Vietinbank c h thng mng li rng khp trn ton quc nn c th khai thc ti a li th ca tng vng, min huy ng v s dng vn mt cch c hiu qu.

Ngun vn huy ng ca Ngn hng bao gm: Tin gi thanh ton ca Kho bc Nh nc v cc TCTD khc;

Vay t NHNN; Tin gi c k hn v vay t cc TCTD khc; Tin gi ca khch hng v cc khon phi tr khch hng; Cc ngun vn vay khc. Hnh 7: Phn tch hot ng huy ng vn thi k 2007-2009 Phn loi ngun (2009) Tng ngun vn huy ng (nghn t ng)5% 19%0,28%

12%

25 0 20 0 15 0 10 0 155. 4

231 181. 2

64%Tin gi TT ca KBNN v TCTD khc Vay t NHNN, tin gi CKH v vay t TCTD khc Tin gi ca KH CK n PH v cc qu vay khc Khc

50 0 2007 2008 2009

Ngun: BCTC hp nht kim ton 2007, 2008, 2009 VietinBank Bng 4: C cu huy ng vn ca VietinBankCh tiuTin gi thanh ton ca KBNN v cc TCTD Vay t NHNN, tin gi CKH v tin vay t cc TCTD khc Tin gi ca khch hng Chng khon n pht hnh v cc qu vay khc Tng

2008 (triu VND)1.968.678 7.625.709 121.634.466 43.676.827

2009 %1,13 4,36 69,54 24,97 100

Qu II/2010 %0,29 12,73 67,33 19,64 100

(triu VND)642.941 28.087.905 148.530.242 43.330.350 220.591.438

(triu VND)1.842.049 25.069.284 155.131.205 42.878.876 224.921.414

%0,82 11,14 68,97 19,06 100

(Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/1010 ca VietinBank)

174.905.6 80

(*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Vay Ngn hng Nh nc: Chi tit cc khon vay NHNNVN nh sau: Bng 5: Vay Ngn hng Nh Nc Vit Nam2008 Ch tiuVay h tr cc khon n khoanh cho DNNN bng VND Vay h tr nn nhn b thin tai Vay h tr cc DNNN Vay thc hin d n Hin i ha ngn hng bng ngoi t Vay thng mi bng VND Vay theo h s tn dng Vay chit khu, ti chit khu cc GTCG Vay khc N trong hn (Vay NHNN bng ngoi t) N qu hn Tng

2009 % (triu VND)0 0 16.879 55.359 0 0 13.003.510 0 0 0 13.075.748 0,00 100

Qu II/2010 (*) %0,00 0,00 0,13 0,42 0,00 0,00 99,45

(triu VND)0 0 43.547 60.444 0 0 0 0 0 0 103.991

(triu VND)0 0 0 0 0 25.000.000 0 3.413 52.818 13.052 25.069.284

%0,00 0,00 0,00 0,00 0,00 99,72 0 0,014 0,21 0,05 100

0,00 0,00 41,9 58,1 0,00 0,00 0,00 0,00 0,00 0,00 100

Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/2010 ca VietinBank) Vay t NHNN h tr cc khon n khoanh do tnh trng treo ca cc khon n trc y cp cho cc DNNN theo ch nh ca Chnh Ph. Cc khon vay ny khng chu li sut v c thi hn 5 nm, c th c gia hn khi o hn tu thuc vo tnh hnh thu n thc t. T nm 2006 VietinBank gii quyt xong cc khon n ny. Cc khon vay c bit l cc khon vay t NHNN nhm h tr ngi dn b thin tai trong nm 1997 v 1999 theo hng dn ca Chnh ph. Cc khon vay ny chu li sut 0% n 2,4%/nm. Vay cho vay li nhm gii quyt cc khon n ca cc DNNN l s tin nhn c t NHNN, cho doanh nghip vay li nhm gii quyt cc khon n gia cc DNNN theo chng trnh thanh ton n gia cc DNNN ca Chnh ph. Cc khon vay ny chu li sut 0%/nm. Vay bng ngoi t thc hin D n Hin i ho Ngn hng v H thng Thanh ton l cc khon vay li NHNN t vn vay World Bank thanh ton cho nh cung cp H

thng CNTT ca VietinBank. Cc khon vay ny c thi hn 20 nm v chu li sut t 2,86% n 3,89%/nm (li sut LIBOR 6 thng + chnh lch 1,5% + ph dch v 0,2%). Trong cc khon vay khc nm 2008 gm cc khon vay khc chim t trng nh nh: vay thc hin d n hin i ha ngn hng v vay h tr cc DNNN. Nhm gim bt p lc v tnh hnh thanh khon ti thi im cui nm, Ngn hng tin hnh vay chit khu, ti chit khu giy t c gi vi NHNN vi k hn 14 ngy, li sut 8%/nm. (*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Tin gi ca khch hng Tnh n thi im 31/12/2008, tin gi ca khch hng l 121.634 t ng tng 7,93% so vi 112.693 t ng ti thi im 31/12/2007, trong c s ng gp ln ca tng trng tin gi c k hn bng c VND v ngoi t. n nm 2009, tc tng trng tin gi ca khch hng vn tip tc pht trin, tng 22,11% so vi nm 2008 t 148.530 t ng. Bng 6: Tin gi ca khch hngCh tiu Tin gi khng k hn Tin gi khng k hn bng VND Tin gi tit kim khng k hn bng VND Tin gi khng k hn bng ngoi t Tin gi tit kim khng k hn bng ngoi t Tin gi c k hn Tin gi c k hn bng VND Tin gi tit kim c k hn bng VND Tin gi c k hn bng ngoi t Tin gi tit kim c k hn bng ngoi t Chng ch tin gi (CCTG)* CCTG bng VND CCTG bng ngoi t Tin k qu Bng VND Bng ngoi t 2008 (triu VND) 25.714.122 % 21,14 2009 (triu VND) 35.584.000 31.911.986 185.004 3.470.021 16.989 105.915.064 28.710.857 56.101.145 7.112.136 13.990.926 1.140.121 605.068 535.053 4.952.377 4.055.112 897.265 % 23,96 21,49 0,12 2,34 0,01 71,31 19,33 37,77 4,79 9,42 0,77 0,41 0,36 3,33 2,73 0,60 Qu II/2010 (*) (triu VND) 31.966.515 27.723.502 n/a 4.243.012 n/a 116.702.692 99.775.874 n/a 16.926.817 n/a 1.224.786 n/a n/a 5.237.211 n/a n/a % 20,61 17,87 n/a 2,74 n/a 75,23 64,32 n/a 10,91 n/a 0,79 n/a n/a 3,38 n/a n/a

22.819.421 18,76 185.771 2.689.947 18.983 92.359.117 0,15 2,21 0,02 75,93

22.866.272 18,80 49.513.818 40,71 6.280.258 5,16

13.698.769 11,26 0 0 0 2.824.594 2.085.590 739.004 0,00 0,00 0,00 2,32 1,71 0,61

Ch tiu Chuyn tin phi tr Bng VND Bng ngoi t Cc khon phi tr khc Tng

2008 (triu VND) 99.467 60.930 38.537 637.166 121.634.466 % 0,08 0,05 0,03 0,52 100

2009 (triu VND) 155.115 71.968 83.147 783.565 148.530.242 % 0,10 0,05 0,06 0,53 100

Qu II/2010 (*) (triu VND) 155.131.205 % 100

Ngun: BCTC hp nht kim ton 2008, 2009 v Qu II/2010 ca VietinBank Ghi ch: (*) nm 2009: Tin gi vn chuyn dng (*): Bo co ti chnh hp nht qu II/2010 ca Ngn hng TMCP Cng thng Vit Nam ti thi im cp nht vo Bn co bch l bo co cha sot xt. Tin gi ca khch hng c nhn chim t trng ln nht 50,64% tng lng tin gi. ng th 2 l tin gi ca cc t chc kinh t l 44,73% T l tin gi bng VND ngy cng tng ln (c bit l tin gi c k hn) do NHCT c chin lc huy ng tin gi bng ng ni t. NHCT l ngn hng trong nhm dn u v ngun tin gi ni t.Tin gi ca TCKT Tin gi c nhn TIn gi ca cc i tng khc50.6%4.6%

Hnh 8: C cu tin gi nm 2009 v giai on 2007-2009

44.7%

Cng vi vai tr ngy cng quan trng ca tin gi bng ng ni t, NHCT m rng c cu k hn ca tin gi p ng nhu cu khch hng ngy cng chuyn sang tin gi c k hn vi mc li sut cao hn thay v tin gi khng k hn. Theo cc quy nh ca NHNN, NHCT phi duy tr mt khon d tr nht nh ti NHNN di hnh thc d tr bt buc. VietinBank tun th y cc quy nh ca NHNN v tnh ton v duy tr d tr bt buc ti NHNN.

Tin gi ni t (t ng) 160,000 140,000 120,000 100,000 80,000 60,000 40,000 20,00 0 0 2007

Tin gi ngoi t (t ng)

2008

2009

Ngun: Bo co ti chnh kim ton hp nht VietinBank 2007-2009

tng cng bo v quyn li ngi gi tin, VietinBank tham gia mua bo him tin gi ti Bo him Tin gi Vit Nam - Mt t chc ti chnh trc thuc Chnh ph, m bo bt k khi no VietinBank mt kh nng thanh ton, tin gi ca ngi gi tin vn c chi tr 6.1.2. Hot ng tn dng a. Quy m hot ng tn dng Cng vi s tng trng mnh ca h thng ngn hng Vit Nam trong thi gian gn y, VietinBank t tc tng trng mnh v ti sn. T nm 2003 n nm 2008, tng ti sn ca VietinBank tng hn 2 ln, t 94.979 t ng ln khong 193.590 t ng. S tng trng ny ch yu l do tng d n cho vay t 61.752 t ng nm 2003 ln 120.752 t ng nm 2008. n nm 2009, Tng Ti sn ca VietinBank t trn 243 ngn t ng, d n cho vay t trn 163 ngn t ng, tng 35% so vi nm 2008

Hnh 9: Tc tng trng ti sn v d n cho vay300000 243,785 250000 200000 150000 100000 50000 0 2004 2005 2006 2007 2008 2009 98,601 193,591 166,113 135,442 115,766 25% 20% 15% 10% 5% 0% 30% 180000 160000 163,170 40% 35% 30% 25% 20% 15% 10% 5% 0%

140000 120,752 120000 102,191 100000 74,63280,152 80000 69,239 60000 40000 20000 0 2004 2005 2006 2007 2008 2009

Tng ti s n (nghn t ng) Tng trng ti s n (%)

Tng d n cha tnh d phng n xu (nghn t ng) Tng trng tn dng (%)

Ngun: Vietinbank K t khi thnh lp, hot ng cho vay l phn trng tm trong chin lc kinh doanh ca VietinBank. Tuy nhin, k t nm 2005 tc tng trng hng nm ca tng ti sn v d n cho vay gim. T trng d n cho vay trn tng ti sn ca VietinBank gim do nhiu nguyn nhn, m ch yu l do VietinBank c chin lc chuyn dch c cu hot ng trc tip sang kinh doanh dch v - ph hp vi thng l quc t v hot ng ca ngn hng hin i. Mt khc, VietinBank nhn thc r vic qun tr ri ro trong hot ng cho vay v iu hnh hot ng tn dng st hn vi cc quy nh quc t cng nh cc quy nh ca NHNN v qun tr ri ro theo Basel II v phn loi n, trch lp d phng ri ro, m bo t l an ton trong hot ng. VietinBank n lc xy dng cc h thng chnh sch, qun l v theo di, m bo cho cc khon vay c kim sot cht ch, an ton v hiu qu vi chin lc l cng c v nng cao cht lng tn dng. VietinBank hon thnh vt mc n x l c Chnh ph ph duyt nn tc tn dng tng chm hn tc tng trng tng ti sn. Nhng nm gn y, t trng d n cho vay trn tng ti sn c sinh li gim, trong khi cc hot ng dch v ca ngn hng nh: hot ng kinh doanh ngun vn, chuyn tin kiu hi, bo lnh v ti bo lnh, ti tr thng mi v.v. tng mnh. Trong tng lai, cc hot ng ti chnh ngoi cho vay nh tin gi v u t d kin s ng vai tr quan trng trong vic a dng ho danh mc u t, gim thiu ri ro cng nh m bo tnh thanh khon ca VietinBank. b. Hiu qu ca hot ng tn dng Thu nhp li v thu nhp li thun t hot ng cho vay tng trng mnh qua cc nm:

Hnh 10: Thu nhp li t cho vay khch hng v cc khon thu nhp tng t thi k 2007-2009

Hnh 11: C cu thu nhp li v cc khon thu nhp tng t nm 2009

2000 0 1500 0 1000 0 500 0

17,03 3

18,91 2

17.82 %

0.08 %

6.24%

9,35 0

0.56 % 75.30%

0

2007 2009

2008 T N li t t in gi cc T CT D T N li t cho t hu T C T N li khc T N li cho vay KH T N li t u t CK

Thu nhp li t cho vay khch hng (t ng)

Ngun: BCTC hp nht kim ton 2007-2009 VietinBank Thu nhp li v cc khon thu nhp tng t t hot ng cho vay trong nm 2009 t mc 18.912 t ng, tng 11% so vi nm 2008. c. C cu d n Hnh 12: C cu d n theo ngnh kinh t C cu d n giai on 2007-2009 C cu d n theo ngnh kinh t 2009Thng mi,dch v Xy dng Giao thng Vn ti Khc 17% 5% 4% 8% 9% 9% 10% 11% 11% 26% 28% 24% 21% Sn xut, ch bin in,c kh Nng lm thy sn 4% 16% 9% 10 % 11 % 25 % 25.09% 38 % 3% 9.78% 38.10% 9.35% 3.24% 3.49%

10.94%

2007

2008

2009

Ngun: Bo co ti chnh hp nht kim ton 2009 VietinBank

S pht trin ca danh mc tn dng theo ngnh hng phn nh tnh hnh pht trin kinh

t chung ca t nc. D n tn dng ca VietinBank i vi cc ngnh nng, lm, thu sn chim 7% tng d n tn dng nm 2004 v gim xung cn 3,25% nm 2009. Trong nm 2009, d n tn dng ca ngnh thng mi v dch v chim t trng ln nht vi 38,17%, tip n l ngnh cng nghip ch bin v sn xut chim t trng 25,14%. Xu th ny ph hp vi chin lc tn dng ca VietinBank giai on sp ti -

tp trung vo cc ngnh ng vai tr quan trng trong nn kinh t ang pht trin ca Vit Nam l: Thng mi, Sn xut v Ch bin, Xy dng, in, Nng lng v Du kh, Vin thng. Ngoi ra, hu ht cc chi nhnh ca VietinBank c t ti trung tm cc khu ch xut, khu cng nghip, khu th ln nn th mnh ca Ngn hng l tp trung tn dng vo cc ngnh hng ny. Chin lc tn dng ca VietinBank ti nm 2010 l hn ch tn dng i vi cc ngnh pht trin n giai on bo ho v km cnh tranh trong nn kinh t hi nhp ca Vit Nam. Hnh 13: C cu d n nm 2009 theo thi gian Trong nm 2009, n ngn hn chim t trng ch yu trong c cu n ca Vietinbank vi 57,2%, thp hn so vi t trng 58,1% tng d n trong nm 2008.13.7% 57.2 %N ngn hn N trung hn N di hn

29.1%

Ngun: BCTC hp nht kim ton 2009 VietinBank a dng ho danh mc tn dng Hnh 14: C cu d n thi k 2007 - 2009 theo thnh phn kinh t cng theo loi hnh DN c ch trng. Nm 2004, khch hng truyn thng ca VietinBank ch yu l cc DNNN (chim khong 45% d n tn dng) gm nhiu doanh nghip Nh nc a phng. Tuy nhin, nm 2005, cc khon tn dng DNNN gim cn 38%, tn dng i vi cng ty TNHH, cng ty c phn v cng ty t nhn tng ln 46%. Xu th ny tip tc pht trin trong nm 2009, trong cho vay DNNN ch chim 33,40% tng d n, c nhn v cc loi khc chim 27,9%. Chim khong 38,70%, phn cn li l180000 160000 140000 120000 100000 80000 60000 40000 20000 0 46,64 5 25, 60,60 8 27,89 3 29,12 1 45,479

59,871

54,566

28,

2007

2008

2009

Kinh doanh c th v cc loi hnh khc DN ngoi quc doanh FDI DNNN

doanh nghip ngoi quc doanh v FDI. Ngun: BCTC hp nht kim ton 2007 2009 VietinBank Yu t chnh dn n s thay i ny l do chin lc tn dng ca VietinBank c s thay i cho ph hp vi din bin chung ca nn kinh t, nhm tng hiu qu hot ng, gim thiu ri ro. Tn dng doanh nghip Hot ng kinh doanh chnh ca VietinBank l cung cp tn dng cho khch hng l doanh nghip. T hot ng tn dng truyn thng l cho vay cng nghip, thng nghip, VietinBank m rng sn phm tn dng cho tt c cc doanh nghip thuc mi thnh phn kinh t c nhu cu vay vn sn xut, kinh doanh, cung cp dch v v u t pht trin. VietinBank khng ch ch trng n cc doanh nghip ln c cc d n trng im, an ton, c hiu qu v c kh nng tr n tt, mt khc ph hp vi xu hng pht trin ca nn kinh t, VietinBank cng rt ch trng pht trin sn phm tn dng i vi khi cc DNVVN. Cc khch hng ln ca VietinBank bao gm cc Tp on v Tng Cng ty nh: Tp on Du kh Quc gia (Petro Vit Nam), Tp on in lc Vit Nam, Tp on Than v Khong sn Vit Nam, Tng Cng ty Lng thc Min Bc, Tng Cng ty Xi mng Vit Nam, Tng cng ty Thp, Tng cng ty Xut nhp khu xy dng Vinaconex, Tng cng ty Xng du (Petrolimex), Tng cng ty Bu chnh vin thng Vit Nam v.v. Cc d n tn dng ln VietinBank k kt trong u nm 2009 bao gm: D n Nh my lc du Dung Khut 200 triu USD; D n t hp Boxit nhm Lm ng tr gi 72 triu USD; D n cao c Bitexco TP HCM tr gi 15,6 triu USD (ng ti tr vi Ngn hng u t v pht trin; D n Nhit in Qung Ninh 2 tr gi 60 triu USD; D n Nh my nhit in Hi Phng tr gi 84 triu USD. D n cho vay doanh nghip NN hin chim 33,40% tng d n, c nhn vDNNN FDI DN ngoi quc doanh Kinh doanh c th v cc loi hnh khc

Hnh 15: C cu d n 2009 theo loi hnh DN27.9% 33.4%

2.0% 36.7%

Ngun: BCTC hp nht kim ton 2009 VietinBank

cc loi hnh khc chim khong 27,9%, phn cn li l doanh nghip t nhn, FDI, kinh t tp th. Vi nh hng pht trin nhm khch hng doanh nghip va v nh, ngay t nm 2003, VietinBank thnh lp b phn chuyn trch phc v khch hng DNVVN xuyn sut t Tr s chnh ti cc chi nhnh. ng thi VietinBank cng rt ch trng vic pht trin sn phm dch v ph hp vi cc DNVVN. Ngoi cc sn phm dch v p dng vi mi i tng khch hng, bng ngun vn t huy ng hoc kt hp vi cc ngun vay quc t, VietinBank thit k ti 9 chng trnh tn dng cho DNVVN vi d n ca cc Chng trnh ny khong 1.100 t ng. VietinBank thc hin chnh sch khng phn bit i x i vi mi qui m doanh nghip, loi hnh, thnh phn kinh t. Bn cnh , thu ht v gi vng cc khch hng tt, NHCT thc hin nhiu hot ng h tr trin khai nhiu sn phm dch v phi ti chnh nh cung cp thng tin, t vn, o to, t chc hi ngh, hi tho, h tr khch hng tham gia cc s kin v.v. min ph cho DNVVN. Ngn hng cng khai thc nhiu ngun vn u i ca cc t chc trong v ngoi nc nh SMEDF, JBIC, KFW, phi kt hp vi ngun vn thng mi ca VietinBank thit k nhiu sn phm tn dng dnh ring cho DNVVN. VietinBank l NHTM duy nht c la chn qun l 2 qu bo lnh tn dng dnh cho DNVVN v l Ngn hng c Website ring phc v i tng khch hng ny (http://www.vietinbank.vn/sme). Vi n lc pht trin khch hng DNVVN, VietinBank c Chnh Ph, Ngn hng Nh nc, Cc Pht trin DNVVN - B KHT, cc i tc cc T chc trong v ngoi nc nh B Ti chnh, NHNN, Hip hi DNVVN, cc i tc v.v. ghi nhn l t chc lun i tin phong trong phc v cc DNVVN. VietinBank hin l i din Vit Nam duy nht k kt tho thun vi cc t chc ti chnh APEC v s pht trin ca DNVVN, ng thi tham gia Ban chp hnh v k Tho thun hp tc vi cc Hip hi DNVVN Vit Nam, Hip hi cc DNVVN Cng thng to tin pht trin nhm khch hng ny. Tn dng doanh nghip ca VietinBank ch yu l bng VND, ph hp vi nhu cu ca cc doanh nghip v nn kinh t cng nh chnh sch qun l ngoi hi ca NHNN. VietinBank cung cp cc sn phm tn dng a dng cho doanh nghip bao gm: Cho vay tng ln: VietinBank p dng phng thc cho vay tng ln cho mi khch hng c nhu cu vay vn khi khch hng p ng c cc iu kin vay vn theo quy nh ca Php lut v quy ch ni b ca Ngn hng. Cn c vo k hoch

sn xut kinh doanh, nhu cu vay vn ca khch hng v.v. khch hng s c cp cho mt khon tn dng c th, trong mt khong thi gian nht nh. Cho vay theo hn mc tn dng: phng thc ny c p dng i vi khch hng vay c nhu cu vay vn thng xuyn, c uy tn trong quan h thanh ton, tn dng vi Ngn hng, sn xut kinh doanh n nh, mt hng a dng. Cn c vo phng n, k hoch sn xut, kinh doanh, nhu cu vay vn ca khch hng, ti sn bo m tin vay, NHCT v khch hng xc nh v tho thun mt hn mc tn dng duy tr trong thi hn nht nh hoc theo chu k sn xut, kinh doanh. Cho vay theo d n u t: VietinBank cho khch hng vay vn thc hin cc d n u t pht trin sn xut, kinh doanh, dch v v cc d n u t phc v i sng. Cho vay theo hn mc tn dng d phng: Phng thc cho vay ny p dng i vi khch hng c nhu cu d phng ngun vn tn dng trong mt khong thi gian nht nh nhm m bo kh nng ch ng v ti chnh khi thc hin sn xut kinh doanh, dch v, i sng. Trong thi hn hiu lc rt vn ca hp ng khch hng phi tr ph cam kt theo mc quy nh ca VietinBank. Cho vay hp vn (ng ti tr): VietinBank cng mt hoc mt s t chc tn dng khc thc hin cho vay i vi mt d n vay vn hoc phng n vay vn ca khch hng; trong , VietinBank hoc mt t chc tn dng khc lm u mi dn xp. Cho vay hp vn c thc hin theo quy ch ng ti tr ca NHNN v hng dn ca VietinBank. Ngoi ra, tu theo nhu cu ca khch hng v thc t pht sinh, VietinBank s xem xt cho vay theo cc phng thc khc ph hp vi c im hot ng trong tng thi k v khng tri vi quy nh ca php lut nh cho vay tr gp, cho vay thng qua nghip v pht hnh v s dng th tn dng, vay VND li sut USD, vay bo m bng b chng t xut khu, vay thu chi, nhn y thc cho vay, cc sn phm bo lnh, chit khu, ng ti tr v.v. Tn dng c nhn VietinBank cp cho khch hng c nhn nhiu loi sn phm tn dng, bao gm ch yu hai nhm sn phm: Cho vay sn xut kinh doanh, dch v v u t pht trin: bao gm cho vay c nhn, h gia nh sn xut kinh doanh, xy dng thng mi, u t, di hn, cho vay nng nghip v pht trin nng thn

Cho vay tiu dng: mua nh, xy dng v sa cha nh, mua t, du hc, cha bnh

Cc phng thc cho vay cng rt linh hot, bao gm cho vay tng ln, cho vay theo d n u t, cho vay tr gp v.v. Khch hng ch yu l nhng ngi tiu dng c mc sng kh v CBCNV c mc thu nhp cao. Theo s liu thng k 31/12/2009 ca VietinBank, d n cho vay khch hng c nhn chim khong 21,14% trong tng d n. Trong giai on hin nay, y cha phi lnh vc kinh doanh trng tm trong chin lc tn dng ca VietinBank. Chnh sch tn dng Chnh sch tn dng ca VietinBank thc hin theo c ch th trng, tn dng trn c s an ton, hiu qu, xp hng khch hng, khng phn bit thnh phn kinh t. Chnh sch tn dng ca VietinBank ph hp vi cc quy nh ca php lut v tng bc hng ti chun mc quc t, dn dt hot ng tn dng theo mc tiu, nh hng t ra ca VietinBank v dnh u i v gii hn tn dng, li sut cho cc khch hng chin lc. VietinBank hon thin, ban hnh li v ban hnh mi y h thng cc vn bn, c ch nghip v tn dng, qui nh c th ha cc iu kin la chn khch hng, cp tn dng, quy trnh cho vay bo lnh, quy trnh nhn v x l ti sn m bo, trin khai thc hin theo tiu chun ISO 9001. Hin nay VietinBank c b phn chuyn trch son tho v ban hnh cc c ch, quy trnh, quy nh tn dng v thng xuyn b sung chnh sa m bo ngy cng ph hp vi iu kin thc t ca th trng. d. Mc an ton vn T l an ton vn

(Capital

Hnh 16: T l an ton vn 2007-200911.62 14 12.02 12 10 8 6 4 2 0 2007 2008 2009 8.0 6 Car (%)

Adequacy Ratio CAR) l mt ch tiu quan trng phn nh nng lc ti chnh ca cc ngn hng. Ch tiu ny c dng xc nh kh nng ca ngn hng trong vic thanh ton cc khon n c thi hn v i mt vi cc ri ro khc nh ri ro tn dng, ri ro vn hnh. Ngun: VietinBank CAR = [(Vn cp I + Vn cp II) / (Ti sn iu chnh ri ro)] * 100% y cng l mt trong 5 tiu chun quan trng nht m cc ngn hng thng mi phi p ng m bo an ton hot ng, theo nh hng qun l ri ro ca Ngn hng

Nh nc theo tng thi k (4 tiu chun cn li bao gm yu cu vn t c, t l kh nng chi tr (thanh khon), gii hn cho vay v bo lnh thng mi, gii hn s dng vn ngn hn cho vay trung, di hn). Theo iu 4 Quyt nh s 457/2005/Q-NHNN, t chc tn dng, tr chi nhnh ngn hng nc ngoi, phi duy tr t l ti thiu 8% gia vn t c so vi tng ti sn c ri ro theo ng tiu chun ca Basel I do y ban gim st cc ngn hng Basel ban hnh. Tuy nhin, trn th gii, vic p dng h s an ton vn ti thiu hin ph bin theo tiu chun ca Basel II vi mc 12%. e. N kh i v ri ro li sut Vic phn loi cc khon n VietinBank tun theo quy nh ca NHNN, theo cc khon n c xp vo 5 nhm: N tiu chun, N cn ch , N di tiu chun, N nghi ng, v N c kh nng mt vn. Vic phn loi n theo khch hng, mi khch hng ch thuc duy nht mt nhm n (bao gm c cc cam kt ngoi bng) v tt c cc khon n u50 0 0 2007 100 0 150 0 200 0

Hnh 17: Qu d phng ri ro cho vay khch hng 2007-20092500 215 0 170 8 1551

phi phn loi vo nhm ca khon n c trng thi n xu nht. Nguyn tc trch d phng ri ro l tr gi tr ti sn m bo. Hng ngy, h thng tn dng s nhc nh cc cn b tn dng v cc khon n n hn cc khon n sp n hn v cc khon n qu hn. Cn b tn dng s lin

2009

2008

D phng cho vay khch hng (t ng)

Ngun: BCTC hp nht kim ton 2007-2009

h yu cu khch hng thanh ton phn gc v li ng hn cng nh n c khch hng tr cc khon n qu hn. Trong trng hp khch hng khng tr c n, h thng s t ng chuyn khon n sang loi thp hn theo quy nh. Cc khon n thuc nhm N di tiu chun, N nghi ng v N c kh nng mt vn c coi l cc khon n xu (NPL), Phng Qun l n c vn qun l, thng xuyn theo di, xut trnh Ban lnh o cc bin php x l thu hi n.

Theo Quyt nh s 493/2005/Q-NHNN ngy 22/04/2005 ca NHNN v Quyt nh 18/2007/Q-NHNN ngy 25/04/2007 b sung sa i Quyt nh 493, VietinBank thc hin trch lp d phng c th v d phng chung cho tng nhm n nh sau, trong d phng c th c trch lp trn ri ro tn dng thun ca cc khon cho vay theo cc t l tng ng vi tng nhm, d phng chung c trch lp d phng cho nhng tn tht cha xc nh c trong qu trnh phn loi n v trch lp d phng c th, v trong cc trng hp cc t chc tn dng gp kh khn v ti chnh khi cht lng cc khon n suy gim. Bng 7: T l trch d phng ri ro tn dng theo quy nh ca NHNN Vit Nam Nhm n 1. N tiu chun 2. N cn ch 3. N di tiu chun 4. N nghi ng 5. N c kh nng mt vn T l trch d phng c th Khng 5% 20% 50% 100% T l trch d phng chung 0,75% 0,75% 0,75% 0,75% 0,00%

Ngun: Bo co kim ton 2009 VietinBank Theo n ti c cu ca VietinBank (VietinBank bt u ti c cu v ti chnh vo 31/12/2000) tng n tn ng cn x l l 9.485 t ng, chim 27% gi tr cc khon vay. S n tn ng pht sinh sau l 529 t ng. Sau 5 nm thc hin ti c cu, VietinBank x l c 9.762 t ng n tn ng, t 102,9% k hoch ca n x l n tn ng. VietinBank hon thnh n x l n tn ng c Th tng Chnh ph v Thng c NHNN ph duyt. T l n xu ca VietinBank ti 31/12/2006 l 1,41%, 2,3% v 1,82% vo thi im cui nm 2007 v 2008 cho thy tnh hnh qun l n xu ca VietinBank c ci thin. c bit, trong nm 2009, t l n xu ca VietinBank ch mc 0,61%, thp nht trong h thng ngn hng Vit Nam.

Hnh 18: Phn loi n nm 2009Nhm n 1. N tiu chun 2. N cn ch 3. N di tiu chun 4. N nghi ng D n thi im 31/03/2010 170.847.494.800.490 4.615.341.978.853 415.424.123.853 278.779.720.3762.59% 0.16% 0.24% 0.31%N tiu chun N cn ch N di tiu chun N nghi ng N c kh nng mt vn

5. N c kh nng mt vn

545.561.594.51496.71%

Ngun: Bo co ti chnh hp nht Qu II/2010 VietinBank Bng 8: Tng hp cc d n cp tn dng v cho vay ng ti tr tnh n 31/12/2009

STT(1)

Tn D n(2)

S tin cam kt thm nh v k kt cp tn dng(3)

Ghi ch (D n ng ti tr: x)(4)

1

u t khai thc phn di mc - 50 M than H Lm Cng ty c phn than H Lm D n thy in Cn n D n Nh my xi mng Chinfon Hi Phng D n u t tu ch du Vinalines Galaxy D n u t tu ch hng kh Vinalines Global D n u t tu ch hng kh Seabee

1.065 t ng S tin k HTD 541,520 tr, 18,630,607 USD trong NHCT cho vay 51% S tin k HTD 960 t v 60 triu USD trong NHCT cho vay 100 t 54.297.890 USD

x NHCT H Ty v Bnh Phc lm u mi TT vi NH Ngoi thng

2

3

4

5 6

65.179.350 USD, trong NHCT cho vay 31,500,000 USD 15.645.000 USD

TT vi Cathay United Bank v Indovina Bank

STT

Tn D n

S tin cam kt thm nh v k kt cp tn dng

Ghi ch (D n ng ti D n ng ti tr NHCT Vit Nam l u mi thu xp vn

7

D n phng v tinh vin thng Vinasat D n mua tu vn ti du kh trng ti 49.000 tn ca Cty Vn ti Bin ng D n BOT Quc l 1A - on Trnh Thnh ph Thanh Ho D n giai on I Nh my Bia Si Gn - Sng Lam D n giai on I Nh my Bia Si Gn - Qung Ngi D n T hp khch sn 5 sao ca Cng ty TNHH SXKD XNK Bnh Minh D n Trung tm thng mi dch v ti chnh ca Cng ty TNHH SXKD XNK Bnh Minh D n Khu cng nghip v th VSIP Bc Ninh ca Cty CP pht trin th v khu cng nghip Vit Nam Singapore D n ui hi nh my in Ph M 2.1 D n ui hi nh my in Ph M 2.1 m rng D n thy in S San 3 D n thy in Bun Kp

86,16 triu USD

8

47.000.000 USD

9 10 11 12 13

383 t ng 893,6 t ng 779 t ng 389,3 t ng 31,5 triu USD x x

14 15 16 17 18

38 triu USD 20 triu USD 40 triu USD 609 t ng 350 t ng x D n ng ti tr NHCT Vit Nam l u mi thu xp vn x x D n ng ti tr NHCT Vit Nam l u mi thu xp vn D n ng ti tr NHCT Vit Nam l u mi thu xp vn x

19

D n thy in Bn V

966 t ng

20 21

D n thy in Sng Ba H D n thy in S San 4

681 t ng 500 t ng

STT

Tn D n

S tin cam kt thm nh v k kt cp tn dng 600 t ng

Ghi ch (D n ng ti D n ng ti tr NHCT Vit Nam l u mi thu xp vn. X

22

D n thy in Sng Tranh 2

23 24 25 26 27 28 29 30

D n thy in Sn La D n u t xy dng cao c phc hp Ngn Bnh D n cng Ci Cui D n u t tu dch v du kh a nng u t 26 my bay D n nh my lc du Dung Qut Nh my m C Mau D n xy dng mng 3G + D n Xi mng Cm Ph

5.000 t ng 1.650 t ng 669 t ng 670 t ng 60 triu USD 200 triu USD 220 triu USD 1.100 t ng 1.830 t ng 74 triu USD

31

+ D n Xi mng Hi Phng

(Ngun: VietinBank) 6.1.3. Hot ng kinh doanh ngoi t Trong nm 2009, tng kim ngch xut khu v nhp khu ca Vit Nam ln lt t trn 56,5 t USD v 67,5 t USD, tng so vi mc 62,7 t USD nm 2007. Tng gi tr vn ODA cam kt t 8 t USD, vn u t trc tip nc ngoi (FDI) t gn 25,1 t USD. l nhng iu kin thun li cho kinh doanh ngoi t. Vi th trng trng im l th trng ni a, cc khch hng chnh ca Vietinbank ch yu l cc khch hng c quan h kinh doanh xut - nhp khu trong cc lnh vc then cht nh Cng nghip v Thng mi, Giao thng vn ti; Du v kh t; in, Bu chnh vin thng; nng lm, thy hi sn. VietinBank p ng y nhu cu mua ngoi t ca khch hng, trong c Tng Cng ty Xng du Vit Nam, Tng Cng ty lng thc Min Bc, Tng Cng ty Thp Vit Nam, Tp on Cng nghip Than Khong sn Vit Nam, Cng ty c phn Xut nhp khu Minh Ph,

Doanh s mua bn ngoi t trong khu vc ni a trong nm 2007 t 3,2 t USD, tng 27,48% so vi nm 2006 (t 2,5 t USD), trong nm 2008 l 7,5 t USD, tng 134% so vi nm 2007. Nm 2009, doanh s mua bn ngoi t ca VietinBank l 10.5 t USD, tng 40% so vi nm 2008, chim khong7% th phn trong mng kinh doanh ny.

Hnh 19: Doanh s mua bn ngoi t trong khu vc ni a thi k 2007 - 2009

12 10 8 6 4 2 3. 2 7. 5

10.5

0

200 7

200 8

200 9

Doan h s m u a bn n goi t tron g k h u vc n i a (t US D)

Ngun: VietinBank Nhm m bo gim thiu ri ro mt cch hp l, VietinBank a ra cc hn mc khc nhau, c p dng ti Tr s chnh, bao gm: Hn mc dnh cho i tc Hn mc chn thua l Hn mc dnh cho mi nhn vin giao dch t doanh trn th trng ngoi hi quc t.

Cc hot ng kinh doanh ngoi t ca VietinBank do Phng Kinh doanh Ngoi t thc hin, v c h tr bi cc phng ban nghip v khc. Tt c cc chi nhnh tuy khng c phng kinh doanh ngoi t ring, nhng u c php thc hin cc giao dch mua bn ngoi t vi cc t chc v c nhn, theo quy nh ca NHNN v VietinBank. NHNN cp php cho cc nh ch ti chnh cung cp 4 hnh thc kinh doanh ngoi hi, bao gm: giao dch giao ngay, giao dch k hn, giao dch hon i v giao dch quyn chn. VietinBank ang thc hin cc hot ng ny ng theo quy nh ca NHNN, p ng c cc nhu cu v dch v ngoi t ca th trng. 6.1.4. Hot ng kinh doanh th VietinBank c k hoch tr thnh ngn hng pht hnh th hng u Vit Nam bng vic pht trin hot ng kinh doanh th vi s a dng v sn phm, nng cao nng lc cnh tranh vi thng hiu uy tn v phong cch chuyn bit. vic coi chi nhnh l knh ch lc, ng thi pht trin mnh cc knh gin tip v knh t ng VietinBank ch trng tng cng phn phi cc sn phm v dch v th ti khch hng vi vic coi


50

chi nhnh l knh ch lc, ng thi pht trin mnh cc knh gin tip v knh t ng. Th ni a Thng k n cui nm 2009, Vietinbank thu ht trn 3 triu khch hng c nhn dng th ATM vi gn 1.000.000 th mi c m trong nm 2009. Tnh n cui nm 2009, s th ghi n ni a ca Vietinbank t trn 3,2 triu th. Th phn th ca VietinBank chim 17% th trng th trong nc. Hot ng kinh doanh th thc s tr thnh mt dch v ngn hng hin i mang tnh nn tng, l mi nhn cho chin lc pht trin dch v ngn hng bn l, m ra mt hng mi cho vic huy ng vn, gip gim li sut u vo cho VietinBank. VietinBank hin ang s hu mng li ATM vi 1.292 my, t ti tr s cc chi nhnh, cc phng giao dch ca Ngn hng, khu dn c tp trung, c quan, trng hc, v.v trn ton quc. Ring trong nm 2009, c 1.330 POS c lp mi. Th E-Partner c ci tin nhiu chc nng v tin ch, p ng ngy cng nhiu dch v thng qua th nh t ng nhn tin kiu hi qua th, thanh ton tin in, cc vin thng trc tuyn, mua cc loi th vin thng tr trc ca Vinaphone, Mobiphone v.v., gi tit kim c k hn ti ATM, thanh ton v tu vi Cng ty ng st Si Gn, ng st H Ni ti cc chi nhnh v ATM ca VietinBank, tra cu, thng bo bin ng s d ti khon qua SMS, np tin ti khon vin thng qua SMS (dch v VNTopup) v.v. Tnh n ht nm 2009, s d tin gi m bo thanh ton th ATM t 2.066 t ng, tng 68% so vi nm 2008 v gn gp i so vi nm 2007. Ngy 23/05/2008, h thng Banknetvn (gm 14 ngn hng vi 3.480 my ATM v 11.750 POS, chim gn 67% th phn v my ATM ti Vit Nam) kt ni thnh cng vi h thng Smartlink. Trong giai on u kt ni 2 lin minh th ny, VietinBank tr thnh 1 trong 3 ngn hng u tin trong lin minh Banknetvn kt ni thnh cng vi 2 ngn hng trong lin minh Smartlink (gm Ngn hng thng mi c phn Ngoi thng Vit Nam v Ngn hng TMCP K thng Vit Nam). Vi vic kt ni thnh cng ny, ch th E-partner ca VIETINBANK khng ch thc hin giao dch c ti h thng cc ATM ca cc ngn hng trong lin minh Banknetvn m cn thc hin c giao dch ti h thng ATM ca 2 ngn hng trong lin minh Smartlink vi hn 3.600 my trn ton quc v 90% th phn th trn th trng th Vit Nam. Trong thi gian ti VietinBank d nh s lin thng Banknet vi mt t chc th ca Trung Quc thng qua lin kt ca SmartLinhk vi t chc ny. Th quc t Tnh n ht nm 2009, VietinBank pht hnh c gn 20.000 th Cremium (th tn dng quc t VISA, MasterCard), trong pht hnh mi trong nm 2009 trn 9.800 th. VietinBank c k hoch tng gp i s lng th ghi n v gp 5 ln s lng th tn dng quc t vo nm 2010.


51

Cc sn phm th Cremium hng Vng, Chun, Xanh vi hn mc tn dng t di 10 triu n 300 triu ng, p ng nhu cu a dng ca cc khch hng. Ch th thng xuyn c tham gia cc chng trnh loyalty, Marketing khuyn khch chi tiu. Do VietinBank thc hin chin lc thn trng trong la chn khch hng cung cp dch v th tn dng nn cha c trng hp khch hng thanh ton chm. Hin nay, VietinBank cha cho php rt tin vt qu hn mc nhng VietinBank cng d kin s cung cp dch v ny cho khch hng da trn c s nh gi qu trnh s dng tn dng ca tng khch hng. Hot ng thanh ton th VietinBank chnh thc tr thnh ngn hng thng mi th hai Vit Nam thc hin kt ni thnh cng th tn dng quc t vi h thng ATM ca VietinBank t thng 12 nm 2005, cho php ch th Visa v Master c th rt tin ti my ATM ca VietinBank. Ngoi ra, VietinBank cng l ngn hng u tin chp nhn thanh ton th CHIP theo chun EMV. Doanh s thanh ton th nm 2009 t 623,5 t ng xp x bng nm 2008. Nguyn nhn ch yu do nn kinh t Th gii v Vit nam ang trong giai on phc hi sau cuc khng hang kinh t ton cu. H thng VietinBank chp nhn cc loi th VISA, MasterCard, JCB, vi t chc th thanh ton DinerClub, Amex, hin VietinBank ang xc tin cc bc m phn tr thnh ngn hng i l thanh ton cho t chc ny. Hnh 20: Tc tng pht hnh thS lng th ghi n 3,250,0 00S lng th tn dng

13,821

2,300,000 1,273,7 99 588,0 081,39 0 2,41 0

4,000

2006 2009

2007

2008

2006 2009

2007

2008

Ngun: VietinBank 6.1.5. Hot ng gp vn v u t Hot ng gp vn Cc hot ng u t, gp vn lin doanh, lin kt ngy cng c m rng v tng trng. VietinBank hin ang gp vn vo 04 cng ty con (trong VietinBank nm gi 100% vn ca 03 cng ty con v 75,6% ca 01 cng ty con) v 01 cng ty lin


52

doanh. Gi tr s sch ca cc khon gp vn tnh n 31/03/2010 l 1.174 t ng, u t vo cng ty lin doanh l 1.002 t ng tnh theo mnh gi. i vi hot ng gp vn lin doanh lin kt, gi tr rng ca cc khon u t tnh theo phng php vn ch s hu t 579,5 t ng nm 2007, tng 30% so vi nm 2006 v nm 2008 t 761,33 t ng, tng 31,3% so vi nm 2007. n nm 2009, t l ny tng 31,6%. Bn cnh , VietinBank cn u t vo mt s t chc tn dng v t chc kinh t khc vi t l c phn khng chi phi, bao gm NHTMCP Si gn Cng thng, NHTMCP Gia nh, Qu Tn dng Nhn dn Trung ng, Cng ty CP Chuyn mch Ti chnh Quc gia Vit Nam, v Cng ty CP Xi mng H Tin II, Cao su Phc Ha, Cng ty CP Gang thp Thi Nguyn, Cng ty CP u t v kinh doanh vng Vit Nam... Ti thi im 31/12/2009, tng mc u t vo cc t chc ny tr gi 166,446 t ng theo gi tr ghi s. Thng qua cc hot ng u t, VietinBank ang n lc m rng v pht trin cc hot ng kinh doanh cng nh tng cng nng lc cnh tranh ca mnh vi nh hng chin lc sau: Tp trung v u tin hng u cho nhng hot ng u t vo nhng lnh vc m VietinBank c kh nng ring bit, c bit l lnh vc dch v ngn hng v ti chnh. Thit lp cc mi quan h chin lc vi cc i tc, hp tc lu di vi cc cng ty v doanh nghip ln, c th l vi cc t chc trong nc v quc t c th mnh v tim nng chin lc. Pht trin cc hot ng ca cc cng ty m VietinBank u t. Pht trin c cu v qun l danh mc u t mt cch ch ng v hiu qu. VietinBank kim sot v gy nh hng i vi phn vn u t thng qua vic qun l cc cng ty m VietinBank u t di cc hnh thc: Vi cng ty m VietinBank nm gi 100% vn: VietinBank b nhim Ban Gim c, K ton trng, Trng Ban Kim sot, xy dng iu l cng ty v c cu t chc, chin lc kinh doanh v cc vn khc lin quan n hot ng ch yu ca cng ty; Vi cc cng ty m VietinBank nm gi quyn kim sot hoc c phn chi phi: Ngn hng c th xut i din ca mnh l cc thnh vin ca Hi ng qun tr v Ban Gim c, nhng ngi tham gia xy dng iu l cng ty v ng thi l c ng ca cng ty; Vi cc cng ty VietinBank nm gi c phn khng chi phi: tham gia vi t cch l c ng ca cng ty. Hot ng u t chng khon Chng khon u t


53

Ngoi cc chng khon vn nu trn VietinBank cng m rng danh mc u t vo cc cng c n nh Tri phiu Chnh ph, Tn phiu Kho bc, Tn phiu NHNN, Tri phiu Chnh quyn a phng, Tri phiu NHTM, Tri phiu doanh nghip v.v. vi s d hng chc nghn t ng v tr thnh nh to lp th trng, thc y th trng tri phiu Vit Nam pht trin. Danh mc tri phiu do VietinBank nm gi c mc sinh li tt, tnh thanh khon cao, gp phn rt ln vo vic bo m thanh khon cho ngn hng v nng cao hiu qu kinh doanh. Tnh n 31/12/2009, s d chng khon u t (hon ton l cc cng c n) ca Ngn hng l 38.977 t ng. Danh mc chng khon c a dng ha bao gm chng khon sn sng bn l 33.864 t ng v chng khon gi n ngy o hn 5.112 t ng. Chng khon kinh doanh Chng khon kinh doanh l nhng chng khon n, chng khon vn, chng khon khc c Ngn hng mua v d nh bn ra trong thi gian ngn nhm mc ch thu li t vic hng chnh lch gi. n thi im 31/12/2009, s d khon chng khon kinh doanh l 302,427 t ng gim mnh so vi nm 2008, trong chng khon n l 232,868 t ng chim 77% gi tr chng khon kinh doanh, chng khon vn 69,559 t ng chim 23% gi tr chng khon kinh doanh. n thi im 31/12/2009, s d d phng gim gi chng khon kinh doanh l 3,39 t ng. Hnh 21: C cu u t chng khon u t thi k 2007 - 2009391 9 21.7%

5000 0 4000 0 3000 0 2000 0 1000 0 032,3 52

505 2

511 2

37,0 39

33,8 64 5.9%

2007 2009

2008

72.4%

CK gi n ngy o hn (t ng CK sn sng bn (t ng)

Chng khon Chnh ph Chng khon N do cc TCTD khc trong nc pht hnh Chng khon N do cc TCKT trong nc pht hnh

Ngun: BCTC hp nht kim ton giai on 2007-2009 u t vo giy t c gi l bin php quan trng VietinBank chuyn dch c cu ti sn c, nng cao kh nng sinh li, gim thiu ri ro, v to ngun thanh khon khi cn thit, ng thi gp phn khng nh vo cc cng trnh xy dng trng im ca Nh nc v u t pht trin trong cc ngnh kinh t x hi.


54

6.1.6. Dch v ngn hng quc t Dch v ngn hng in t L mt phn trong D n Hin i ha Ngn hng v H thng Thanh ton do Ngn hng Th gii ti tr, VietinBank bt u thc hin cung cp dch v Internet Banking t thng 3/2005 khi VietinBank bt u trin khai h thng INCAS ti tt c cc chi nhnh trn ton quc. T n nay, VietinBank lin tc hon thin, b sung thm mt s dch v mi nh VietinBank At home cho php khch hng doanh nghip c th thc hin cc giao dch ngn hng ti nh, dch v SMS banking cho php khch hng thc hin chuyn khon gia cc ti khon ATM trong cng h thng, vn tin ti khon, lch s giao dch cung nh thng bo bin ng s d qua tin nhn vi bo mt, an ton cao bng cng ngh tin tin v phng thc xc thc mnh. Mc d cn nhiu hn ch nhng cc dch v trn phn no p ng c yu cu ngy mt tng ca khch hng, gp phn nng cao hnh nh, v th ca VietinBank trn lnh vc ny. VietinBank s tip tc tham gia vo D n Hin i ha ngn hng v H thng thanh ton giai on 2 do Ngn hng Th gii ti tr. D n ny tp trung vo cc mng sau: Trung tm lin lc - Call center, Dch v ngn hng qua in thoi c nh, Dch v ngn hng qua in thoi di ng, cc gii php thng mi in t v dch v ngn hng in t. Ti tr thng mi v thanh ton quc t Ngn hng TMCP Cng thng Vit Nam VietinBank l ngn hng thng mi hng u ti Vit Nam trong lnh vc thanh ton quc t v ti tr thng mi vi hn 155 chi nhnh trn ton quc, c quan h i l vi gn 1000 ngn hng trn ton cu. VietinBank , ang v s tip tc cung cp cho khch hng nhng dch v thanh ton quc t, nhng gii php ti tr thng mi ti u. Nm 2009, cng vi vic p dng chnh sch li sut, ph dch v hp l, doanh s thanh ton xut nhp khu c tng ln ng k. Doanh s nhp khu t 7,97 t USD (chim th phn 11%). Doanh s xut khu t 4,59 t USD (chim th phn 8%). Doanh s bo lnh t 780 triu USD, tng 51% so vi nm 2008. Cc sn phm ti tr thng mi ch yu ca VietinBank bao gm: Th tn dng, nh thu, bo lnh, chuyn tin, bao thanh ton. Khch hng s dng cc dch v ti tr thng mi ca VietinBank bao gm cc tp on trong nc v quc t, v cc DNVVN, trong c nhiu tng cng ty v tp on ln nh Tng Cng ty Xng du Vit Nam, Tp on in lc Vit Nam, Tp on Du kh Vit Nam, Tng Cng ty Bia - Ru - Nc gii kht Si Gn, Tng Cng ty Thp Vit Nam, Tng Cng ty Xi mng VietinBank hin ang cung cp cc sn phm dch v Thanh ton quc t v Ti tr thng mi:


55

T h t n dng : o Pht hnh, thanh ton th tn dng nhp khu o Xc thc, thng bo th tn dng xut khu o Xc nhn th tn dng, chuyn nhng th tn dng o Thng lng, chit khu b chng t xut khu : Bo lnh o o o o Pht hnh, thanh ton th bo lnh Xc thc, thng bo th bo lnh Pht hnh bo lnh trn c s bo lnh i ng, xc nhn th bo lnh i tin theo th bo lnh

N h thu : o Tip nhn, thng bo v thanh ton b chng t nh thu nhp khu o Tip nhn, chit khu v thu h b chng t nh thu xut khu C huyn ti n : o Chuyn tin thanh ton mu dch theo hp ng o Chuyn tin thanh ton phi mu dch: kiu hi, du hc, cha bnh C c dch v khc: o Khai thc vn ngn hn, trung v di hn t cc t chc tn dng khc h tr cho nghip v thanh ton quc t v ti tr thng mi; o Mua bn chuyn nhng cc khon thu, bao thanh ton tng i (Factoring) v bao thanh ton tuyt i (Forfaiting); o T vn gii php thanh ton quc t v ti tr thng mi hin i; o Cung cp dch v INSOURCING (x l giao dch cho cho cc nh ch ti chnh khc) v thanh ton quc t v ti tr thng mi. Vi nh hng pht trin v tim lc ca mt ngn hng hin i, S giao dch III (hin nay l S giao dch) Ngn hng TMCP Cng thng Vit Nam c thnh lp vo thng 04/2008 vi chc nng trc tip x l tp trung ton b cc dch v thanh ton quc t v ti tr thng mi ca h thng Ngn hng TMCP Cng thng Vit Nam; khai thc cc ngun vn ngn hng trung v di hn t cc nh ch ti chnh h tr cho hot ng ti tr thng mi ca h thng Ngn hng TMCP Cng thng Vit Nam; cung cp dch v t vn gii php thanh ton quc t v ti tr thng mi; cung cp dch v INSOURCING cho cc ngn hng khc trong thanh ton quc t v ti tr thng mi. S giao dch c trang b nhng thit b v cng ngh hin i c kh nng x l t xa cc giao dch thanh ton quc t v ti tr thng mi; c i ng lnh o v cn b c kinh nghim, trnh chuyn mn cao, tn tnh, nng ng, c o to chuyn nghip v khng ngng hc hi vi mc tiu nhm mang n cho khch hng cc dch v thanh


56

ton quc t v ti tr thng mi c cht lng cao, ng u, nhanh chng, chnh xc, an ton, tin li theo tiu chun quc t, vi vn ho phc v vn minh, hin i.

Dch v chuyn tin kiu hi Doanh s chi tr kiu hi ca VietinBank nm 2009 l 920 triu USD, chim khong 15% tng lng kiu hi chuyn v Vit Nam nm 2009. Bn cnh sn phm chuyn tin kiu hi truyn thng (in Swift qua ngn hng), VietinBank trin khai dch v chuyn tin nhanh nh Western Union, Wells Fargo ExpressSend, VietinBank e-Remit, v.v. Thu nhp t dch v kiu hi bao gm ph thanh ton 0,05%, ti thiu 2USD/giao dch cng thm 0,15% nu rt tin bng ngoi t. i vi dch v chuyn tin nhanh, ph dch v trong khong 0,6% - 0,7% tng s tin chi tr. Dch v chuyn tin kiu hi ngy cng c tim nng pht trin do lng tin Vit kiu v ngi Vit Nam lao ng ti nc ngoi chuyn v ngy cng nhiu. VietinBank ch yu chi tr kiu hi bng USD, EUR v VND. Th trng trng im bao gm M, i Loan, Hn quc, Malaysia, Nht, Sc, c v cc nc Trung ng. Trong k hoch pht trin giai on 2008 - 2010, VietinBank s tip tc vic m rng mng li chuyn tin kiu hi ti cc th trng quc t ln, ni c s lng ln ngi Vit Nam sinh sng v lm vic, trong khi th trng ni a ch yu c xc nh l Tp H Ch Minh, Ty Ninh, Bnh Thun, Nng, Hu, cc tnh pha Bc c nhiu lao ng xut khu nh Hi Dng, Bc Ninh, Bc Giang, Thi Bnh, Thanh Ha, Ngh An. VietinBank cng ln k hoch cung cp cc dch v c gi tr gia tng nh dch v chi tr kiu hi tn nh. 6.1.7. Dch v thu/chi h Dch v thu/chi h c cung cp cho cc khch hng chin lc c cn i ti khon tin gi ln ti VietinBank hoc khch hng hoc c khi lng thu chi tin mt, chuyn khon ln nh Tng Cng ty Xng du Vit Nam, Tp on Bu chnh Vin thng Vit Nam. Hin ti, khong 70% cc chi nhnh ca VietinBank cung cp dch v ny cho cc khch hng ti cc khu cng nghip v khu ch xut. VietinBank hin khng thu ph i vi dch v ny. VietinBank cng trin khai thnh cng dch v thu h Ngn sch bao gm thu ni a v thu xut nhp khu. 6.1.8. Dch v cho thu kt st v ct gi ti sn Dch v ny c VietinBank Chi nhnh Tp. HCM v Chi nhnh Nng trin khai t u nm 2006. Doanh thu t dch v ny tuy cha phn nh ht tim nng vn c ca n nhng cho thy kh nng pht trin dch v ny trong tng lai gn. Trong thi


57

gian ti, dch v ny s c cung cp ti tt c cc chi nhnh ca VietinBank trn cc tnh v thnh ph ln trong c nc. 6.1.9. Dch v thu i Sc du lch c gii thiu ln u vo nm 1994, dch v Thu i sc du lch c cung cp ti cc Phng giao dch, quy giao dch v quy tit kim. Hin nay, 50% cc chi nhnh cung cp dch v ny ti khch hng vi doanh thu thu i hng nm t t 3 - 5 triu USD. Dch v Thu i sc du lch bao gm vic i sc du lch Amex v cc loi sc du lch do cc nh ch c uy tn pht hnh bng USD v EUR. iu ny th hin n lc ca Ngn hng trong vic tng doanh thu t ph dch v. VietinBank cng cung cp dch v thu sc ca cc t chc nc ngoi nh l mt cch gii thiu cc dch v ngn hng khc v nhm nng cao thng hiu Ngn hng TMCP Cng thng Vit Nam. 6.1.10. Hot ng kinh doanh chng khon (Cng ty c phn Chng khon Ngn hng Cng thng Vit Nam) Nm 2000, VietinBank thnh lp Cng ty TNHH Chng khon Ngn hng Cng thng Vit Nam (VietinBankSc) theo m hnh Cng ty TNHH mt thnh vin vi vn iu l l 105 t ng v do VietinBank s hu 100% vn. VietinBankSc tng vn iu l ln 300 t ng ti thi im 26/06/2007. Tnh n 31/12/2008, vn ch s hu ca VietinBankSct 600.106 t ng, vn iu l ca VietinBankSc l 500 t ng. Tng vn iu l ca VietinBankSc ti thi im chuyn i sang hnh thc cng ty c phn l 789,934 t ng, trong Ngn hng Cng thng nm 75,6% vn iu l Cc hot ng chnh ca VietinBankSc bao gm mi gii chng khon, t doanh chng khon, qun l danh mc u t chng khon, bo lnh pht hnh chng khon, v t vn u t v ti chnh. Bng 9: Mt s ch tiu ch yu hot ng th trng vn n v: triu ng Ch tiu 1. Tng ti sn 2. Vn ch s hu 3. Doanh thu 4. Chi ph (*) 5. Li nhun trc thu 6. Li nhun sau thu (LNST)(*) 2007 888.499 429.054 205.371 83.950 121.421 98.226 2008 1.109.067 600.849 174.390 161.227 13.163 13.096 2009 1.119.876 851.963 284.000 102.539 120.000 60.059 Qu II/2010 1.025.716 808.483 93.201 81.474 11.736 9.072


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Ch tiu 7. LNST/Tng ti sn (%)(*) 8. LNST/Vn ch s hu (%)(*)

2007 11,05 22,89

2008 1,18 2,18

2009 5,36 7,05

Qu II/2010 0,88% 1,12%

Ngun: BCTC kim ton 2007, 2008, 2009 v Qu II/2010 ca Cng ty c phn Chng khon Ngn hng Cng thng Vit Nam Ghi ch: (*) s liu tnh t 01/7/2009 n 31/12/2009. Trong 8 nm hot ng, lnh vc u t v kinh doanh chng khon ca VietinBankSc t c tc tng trng cao v quy m cng nh hiu qu.

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