Bao Cao Thuong Nien 2009

BAO CAO
THNG NIN
2009
NGN HANG THUONG MA| CO PHN L|LN v|LT
2 www.lienvietbank.net
MUC LUC
7HDNC IP CUA CHU 7JCH HDI DNC UAN 7RJ
7HDNC 7IN NCN HANC LIN VI7
I. LJCH SU HDA7 DNC CUA NCN HANC
l. Su klen thanh lap
2. Nganh nghe klnh doanh
3. Cac su klen dang chu y nam 2009
II. 7D CHUC VA NHN SU
l. M hinh t chuc cua Ngan hang Llen vlet nam 2009
l.l M hinh t chuc tal Hl so
l.2 M hinh t chuc tal Chl nhanh
2. Ly lch tom tat cua 8an lanh dao
2.l Hl dng Quan tr
2.2 8an Klem soat
2.3 8an Dleu hanh
3. Dl ngu can b va chinh sach dl vol nguol lao dng
3.l S luong Can b nhan vlen
3.2 Che d dl vol Nguol lao dng
III. k7 UA HDA7 DNC kINH DDANH NAM 2009
l. Tng tal san
2. Huy dng vn
3. Du no tin dung
4. Lol nhuan truoc thue
5. Phat trlen cac hoat dng dch vu
IV. CAC SU kIN VA HDA7 DNC DAN 7H, CDNC DNC
V. JNH HUDNC PHA7 7RIN NAM 2010
VI. AD CAD 7AI CHINH
VII. MANC LUDI CIAD DJCH
3 Lin kt Phat trin
BAO CAO
THNG NIN
2009
N
am 2009 da khep lal, danh dau hal nam truong thanh va vuon minh cua Ngan
hang Llen vlet truoc nhung blen dng cua khung hoang klnh te, tal chinh tren
pham vl toan cau. La mt ngan hang non tre, ra dol va thanh lap sau, khl ma th
truong vlet Nam da co rat nhleu cac ngan hang lon manh dl truoc, Ngan hang
Llen vlet b dat trong tinh the canh tranh gay gat va nhleu thu thach lon. Trong
bl canh do, bang suc manh tap the vol dnh huong va chlen luoc ro net, glal
phap dung dan cua Hl dng Quan tr, 8an Klem soat, 8an Dleu hanh cung su n luc, c gang
cua toan the dl ngu can b nhan vlen, Ngan hang Llen vlet da dat duoc nhleu thanh tuu dang
ke tren mol linh vuc.
Chua day hal nam dl vao hoat dng, Ngan hang Llen vlet da khang dnh la mt ngan hang
chuyen nghlep, nang dng, d l mol va uy tin. Den 3l/l2/2009, t ng tal sa n cu a Ngan hang
Llen vlet dat l7.367 ty dng, lol nhuan truoc thue dat 540 ty dng, hoan thanh dot tang vn
dleu le tu 3.300 len 3.650 ty dng, dua vao hoat dng 37 dlem glao dch tren toan quc, thuc
hlen duoc hon l00 chuong trinh tu thlen, tal tro xa hl vol ngan sach gan 200 ty dng, duoc
Ngan hang Nha nuoc chl dnh la ngan hang phuc vu du an Phat trlen nang luong tal tao va mo
rng, cal tao luol dlen cho cac xa vung sau, vung xa do Ngan hang Phat trlen chau A tal tro.
Thuong hleu Ngan hang Llen vlet da tung buoc duoc khang dnh dl vol cac khach hang.
Nam 20l0 la mt nam co nhleu du bao khac nhau dl vol su phat trlen cua nen klnh te vlet
Nam va the glol trong hoan canh kho khan cua thol ky dau mol hl phuc sau cuc khung hoang
klnh te. Tuy nhlen, day cung la nam hua hen co nhleu co hl tt cho hoat dng cua Ngan hang
Llen vle t. vo l chle n luo c hoa t d ng tu nam 20l0 tro dl la : Ph n d u tro tha nh m t trong
nhung ngn hang ban Ie hang du Vit Nam - phat trin manh cac san phm d|ch vu ban
cheo kt hop ban bun va kinh doanh da nang theo dung quy d|nh cua phap Iut, Ngan
hang Llen vlet xac dnh nam 20l0 la nam rat quan trong cho su but pha, tao tlen de cho vlec
phan dau tro thanh mt ngan hang hang dau vlet Nam.
vol phuong cham: Lin kt phat trin, thay mat Hl dng Quan tr, 8an Dleu hanh Ngan
hang Llen vlet, tl tln tuong sau sac vol su ung h, hop tac cua Quy khach hang, Quy c dng,
cac dl tac trong va ngoal nuoc cung nhung n luc c gang khng ngung cua toan the can b,
nhan vlen trong ngan hang, Ngan hang Llen vlet se hoan thanh tt nhung muc tleu, ke hoach
chlen luoc glal doan 20l0 - 20l2 va ke hoach dal han trong tuong lal, dua v the cua Ngan hang
Llen vlet len tam cao mol.
Tran trong!
THNG IP CUA CHU TCH HI NG QUAN TR
DUONG CONG M|NH
Chu tch Hl dng Quan tr
Ngan hang Thuong mal c phan Llen vlet.
Ngan hang Llen vlet.
Llenvlet 1olnt Stock Commerclal 8ank.
Llenvlet8ank.
S 32 Nguyen Cng Tru, phuong l, th xa v Thanh,
tlnh Hau Glang.
Ong Duong Cng Mlnh.
Ong Nguyen Duc Huong.
(Ke tu ngay 03/02/20l0, Tng glam dc la Ong Le
Hng Phong).
07ll.627 0668 / 04.62 668 668
07ll.358 l737 / 04.62 669 669
www.llenvletbank.net
S 9l/GP-NHNN do Thng dc Ngan hang Nha nuoc
vlet Nam cap ngay 28/03/2008.
Khal truong hoat dng ngay 0l/05/2008 tal tlnh Hau
Glang.
6300048638.
Cng ty Trach nhlem huu han KPMG.
THNG TIN NGN HANG LIN VIT
7n dy du:
7n goi tat:
7n giao d|ch ting Anh:
7n vit tat ting Anh:
|a chI:
Chu t|ch H7:
7ng giam dc:
in thoai:
Fax:
Website:
Ciy phep hoat dng:
Ma s thu:
Cng ty kim toan:
5 Lin kt Phat trin
BAO CAO
THNG NIN
2009
I. LCH S HOAT NG CUA NGN HANG
1. Su kin thanh Ip
- Ngan hang Thuong mal c pha n Llen vlet duoc thanh lap theo Glay phep hoat dng s
9l/GP-NHNN do Thng dc Ngan hang Nha nuoc vlet Nam cap ngay 28/03/2008 va duoc cap
Glay chung nhan dang ky klnh doanh s 6403000058 do So Ke hoach va Dau tu tlnh Hau Glang
cap ngay 03/4/2008.
- Ngay l0/4/2008: Le cng b Glay phep thanh lap va hoat dng Ngan hang TMCP Llen vlet,
Le ky ket vol cac dl tac lon va Le trao glal cuc thl sang tac Logo va Slogan.
- Ngay 0l/5/2008: Khal truong hoat dng Ngan hang TMCP Llen vlet tal tlnh Hau Glang.
2. Nganh ngh kinh doanh
Cac nghlep vu ve klnh doanh ngan hang nhu:
(l) Nghlep vu huy dng vn tu hoat dng nhan tlen gul, phat hanh chung chl tlen gul, tral
phleu va glay to co gla, vay vn cua cac t chuc tin dung, vay vn ngan han cua Ngan hang Nha
nuoc va hinh thuc huy dng vn khac theo quy dnh,
(ll) Nghlep vu ve cap tin dung cho t chuc, ca nhan duol cac hinh thuc nhu cho vay, chlet khau
thuong phleu va glay to co gla khac, bao lanh, cho thue tal chinh va cac hinh thuc cap tin dung
theo quy dnh,
(lll) Dch vu thanh toan va ngan quy,
(lv) Cac hoat dng khac nhu gop vn, mua c pha n cu a cac doanh nghlep, tham gla th truong
tlen te, klnh doanh, thanh lap cng ty truc thuc, hoat dng uy thac, nhan uy thac, lam dal ly
trong cac linh vuc llen quan den hoat dng ngan hang, cung ung dch vu bao hlem
Ngoal cac nghlep vu klnh doanh tren, Ngan hang Llen vlet con duoc Ngan hang Nha nuoc
cho phep klnh doanh trong cac hoat dng: hoat dng cung ung dch vu ngoal hl (bao gm:
cung ung cac dch vu thanh toan quc te, thuc hlen cac glao dch mua, ban ngoal hl tren th
truong nuoc ngoal), hoat dng dau tu tren th truong quc te
09/0l/2009 Khal truong Phong glao dch Lleu Glal - Chl nhanh Ha Nl
l2/02/2009 Tle p do n Chu tch nuo c Nguye n Mlnh Trle t to l tham va la m vle c vo l Ngan ha ng Llen vle t
l9/02/2009 Dlen ra Le ky ket thoa thuan hop tac glua Ngan hang Phat trlen vlet Nam (vD8)
va Ngan hang Llen vlet ve vlec cap bao lanh vay vn cho khach hang doanh nghlep
tal Llenvlet8ank
22/02/2009 Trao tang va ung h Quy "vi nguol ngheo" tlnh Quang Ngal l ty dng
l8/03/2009 Tle p do n Pho Th ng d c NHNN Nguye n D ng Tle n to l tham va la m vle c ta l
Ngan hang Llen vlet
2l/03/2009 Ky hop dng tal tro glal thuong Tu hao su vlet vol tng klnh phi gan l ty dng
02/04/2009 Ky ket hop tac toan dlen vol Truong Dal hoc Klnh te Quc dan
28/04/2009 Ky ket le thoa thuan hop tac toan dlen glua Ngan hang Llen vlet vol Tng cng ty
C phan 8ao hlem Dau khi vlet Nam (Pv|)
29/04/2009 T chu c le d ng th xay du ng Truo ng ma m non Ha l Que ta ng cho xa Ha l Que ,
huyen Hal Lang, tlnh Quang Tr tr gla 7 ty dng
08/05/2009 Kho l cng xay du ng Nha truye n th ng va Thu vle n Truo ng PTTH 8a Dinh,
huyen Nga Son, tlnh Thanh Hoa co tr gla uoc tinh gan 3 ty dng
09/05/2009 Tlep don Tng 8i thu Nng Duc Manh tol tham va lam vlec tal Ngan hang Llen vlet
l5/05/2009 Khal truong hoat dng Phong glao dch Tan Phu Thanh So glao dch Hau Glang,
th xa v Thanh, tlnh Hau Glang
04/06/2009 Cung Cng ty CP bat dng sa n Hanel-Hlmlam lam le dng th xay Truong ma m non
thn La Thlen, xa Tan Hng, huyen 8a vi, Ha Nl vol tng klnh phi dau tu khoang
2 ty dng
l3/06/2009 Khal truong hoa t d ng Chl nha nh Dung Qua t - tha nh ph Qua ng Nga l, tlnh Qua ng Nga l
23/06/2009 Khal truong hoat dng Chl nhanh Cho Lon, thanh ph H Chi Mlnh
26/06/2009 Khal truong hoa t d ng Pho ng glao dch Phu My Hung va Pho ng glao dch
8inh Thol, thanh ph H Chi Mlnh
28/07/2009 Tlep don Pho Thu tuong Chinh phu Nguyen Thlen Nhan, Dal tuong Pham van Tra
- Nguyen Uy vlen 8 Chinh tr, 8 truo ng 8 Quc phong den tham Ngan hang
Llen vlet
3l/07/2009 Thng dc NHNN ban hanh Quyet dnh s l837/QD-NHNN cho phep phat hanh
glay to co gla dal han bang vND nam 2009 vol tng menh gla 500 ty dng
l5/08/2009 Khal truong hoat dng Chl nhanh Can Tho, thanh ph Can Tho
02/09/2009 T chu c Le kho l cng xay du ng Trung tam Gla o du c te xa Tinh Cuong,
huye n Ca m Khe, tlnh Phu Tho do Ngan ha ng Llen vle t va T ng gla m d c
Nguyen Duc Huong tal tro vol tng gla tr uoc toan 23 ty dng
05/09/2009 Ph l ho p vo l U8ND huye n Ha l Lang, Qua ng Tr t chu c Le kha nh tha nh
Truo ng ma m non Ha l Que ta l xa Ha l Que , huye n Ha l Lang, tlnh Qua ng Tr vo l
tng tr gla 7 ty dng.
09/09/2009 T chuc Le khanh thanh Truong tle u hoc xa Nhan Hoa, huyen Que vo, tlnh 8ac Nlnh
3. Cac su kin dang chu y nam 2009
7 Lin kt Phat trin
BAO CAO
THNG NIN
2009
l9/09/2009 Thanh lap Ngan hang Llen vlet Dlen tu
22/09/2009 Khol cng xay dung Truong mam non cho ap Lao Tao Thuong, xa Trung Lap Thuong
thuc vung dat Cu Chl anh hung, tp H Chi Mlnh, vol tng du toan 8 ty dng
02/l0/2009 Ngan ha ng Llen vle t va cng ty C pha n Hlm Lam da t chu c Le cng b ho p ta c
do dau huyen Xin Man, tlnh Ha Glang ve 3 nl dung co ban la glao thng, glao duc va
dao tao can b, dng thol la Le khol cng xay dung cau Na Lan, huyen Xin Man do hal
don v tal tro
08/l0/2009 Ngan ha ng Llen vle t tru c tle p ta ng qua cu u tro cho d ng ba o ga p kho khan vo l
s tlen 500 trleu dng
23/l0/2009 Ky ket Le tho a thuan hop tac glua Ngan hang Llen vlet va truong Dal hoc Ngoal thuong
Ha Nl
30/l0/2009 Hoan thanh dot tang vn dleu le tu 3.300 ty len 3.650 ty dng
3l/l0/2009 Trao 300 tlvl cho ca c gla o vlen thu c vu ng kho khan cu a tlnh Thanh Ho a, thle t b
day hoc cho Truong THCS xa vinh Tlen, huyen vinh Lc va Hoc bng Nguyen Dan Que
cho cac hoc slnh hleu hoc cua tlnh Thanh Hoa
0l/ll/2009 Chinh thuc phat hanh chung chl tlen gul ghl danh tren toan he thng vol menh gla
tl thleu la l00.000 vND va l00 USD/chung chl tlen gul
l2/ll/2009 Khal truong hoa t d ng Pho ng glao dch Trle u vle t vuong, Chl nha nh Thang Long,
thanh ph Ha Nl
26/ll/2009 Ngan hang Llen vlet trlen khal SMS 8anklng glal doan ||
27/ll/2009 Trao phan qua tr gla l00 trleu dng cho cac chau hoc slnh tleu hoc, trung hoc co so
tal tp Quy Nhon va cac xa vung ven b anh huong bol con bao s ll cua tlnh 8inh Dnh
28/ll/2009 Tlep don Thu tuong Nguyen Tan Du ng cu ng Dal tuong Pham van Tra , nguyen 8 truo ng
8 Quc phong va Thng dc NHNN Nguyen van Glau
28/ll/2009 Ngan hang Llen vlet va Tng cng ty Luong thuc Mlen Nam (v|NAPOOD ||) la 2 nha
ta l tro chinh cu a Llen hoan Pestlval lu a ga o vle t Nam la n thu nha t nam 2009 duo c
t chuc tal tlnh Hau Glang
08/l2/2009 Doan can b Ngan hang Llen vlet do Tng glam dc Nguyen Duc Huong dan dau da
len duong sang Cng hoa Dan chu Nhan dan Lao, nuoc chu nha SLA Games 25, de truc
tlep c vu Doan the thao vlet Nam va trao thuo ng cho cac van dng vlen doat gla l xuat
sac vol tng gla tr gan l ty dng
l9/l2/2009 Kha nh tha nh Nha Truye n th ng va thu vle n Truo ng PTTH 8a Dinh, th tra n Nga Son, huye n
Nga Son, tlnh Thanh Hoa do Ngan ha ng Llen vlet va Thleu tuong Nguye n Hu u Manh xay
tang vol gla tr ga n 3 ty d ng
20/l2/2009 T chuc Ngay hl gla dinh Chao nam cu 2009, Don nam mol 20l0
30/l2/2009 T chuc trao thuo ng cho cac tap the va ca nhan doat gla l trong cuc thl Sang klen hay
ve Ta m nhin - Chlen luoc - Tuong lal - Con duo ng phia truoc Llenvlet8ank va tlen ha nh
ky ke t Tho a thua n ho p ta c glu a Cng doa n Ngan ha ng Llen vle t va Cng doa n 8a o Tle n phong
Nam 2009 San pham Tin dung cua Ngan hang Llen vlet da duoc nguol tleu dung tin nhlem binh
chon la mt trong cac dch vu tal chinh hang dau tal th truong vlet Nam nam 2009
II. T CHC VA NHN S
1. M hnh t chuc cua Ngn hang Lin Vit nam 2009
1.1. M hnh t chuc Hi so
van phong
Hl dng Quan tr
Khl Quan ly
rul ro
Khl Quan he
Quc te
Khl
Ngun vn
Khl
Khach hang
Cac Chl nhanh So Glao dch Ngan hang Dlen tu Tlet klem 8uu dlen
P. Quan ly
Pul ro
P. Quan he
va th truong vn
Quc te
P. Quan ly vn P. Khach hang
Doanh nghlep
P. Klem tra klem
soat nl b
Khl
Tham dnh
P. Tham dnh
P. Tham dnh gla P. Klnh doanh
vn
P. Khach hang
Ca nhan
HD Quan ly Pul ro HD ALCO HD Chinh sach Tin
dung va Ngun vn
DA| HO| DONG CO DONG
Hi dng uan tr|
Cac Uy an
an 7C
9 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Cac Cng ty con Trung tam Klnh doanh
Khl CNTT Cac don v H tro
P. Phap che
P.Nhan su va Dao tao
|T cac Chl nhanh
P. NC va PT SP mol
Trung tam Thanh toan
Corebanklng van phong P. TT quc te
Data center P. Tal chinh Ke toan
Phan cung
(Hardware)
P. Ke hoach
chlen luoc
P. Mang luol va
Xay dung co ban
P. Markettlng va
Quan he cng chung
Ha tang mang va
bao mat
P. TT trong nuoc
Klem toan nl b
an kim soat
HD Nhan Su va
Luong
Cng nghe thng tln
va Ngan hang Dlen tu
MD HINH 7D CHUC HDI SD NCN HANC 7MCP LIN VI7 NAM 2009
l0 www.lienvietbank.net
1.2. M hnh t chuc Chi nhanh, So giao d|ch
AN CIAM DC
P. 7ng hop P. k toan -
Ngn quy
P. uan Iy tn
dung
P. khach hang
Klem tra
Klem soat
Ke toan Tham dnh
Tal san dam bao
Phat trlen
klnh doanh
Ke hoach tng
hop - Ngun vn
Teller Quan ly tin
dung
Khach hang
Doanh nghlep
Hanh chinh
Nhan su
Quy H tro tin
dung
Khach hang
Ca nhan
Tham dnh
Tal tro
thuong mal
MD HINH 7D CHUC CHI NHANH, SD CIAD DJCH
NCN HANC 7MCP LIN VI7 NAM 2009
ll Lin kt Phat trin
BAO CAO
THNG NIN
2009
nDng Duong Cng Minh Chu tch HDQT
nDng Nguyn uc Huong Pho chu tch HDQT
nDng 7rn Van 7nh Thanh vlen HDQT
nDng Nguyn uc Cu Thanh vlen HDQT
na Vo 7h| kim Hoang Thanh vlen HDQT
nDng Nguyn nh 7hang Thanh vlen HDQT
nDng 7rn Vit 7rung Thanh vlen HDQT
nDng Vit Hung Thanh vlen HDQT
2. Ly I|ch tom tat cua an Ianh dao
2.1. Hi dng quan tr|
Ong Duong Cng Mlnh
CHU T|CH HO| DONG QUAN TP|
7RINH D HDC VN
Cu nhan chuyen nganh vat gla - Dal hoc Klnh te ke hoach
(nay la Dal hoc Klnh te quc dan) - Tt nghlep nam l984.
UA 7RINH CDNC 7AC
1984 - 1993: Sy quan Cng ty Xuat nhap khau - 8 Quc
phong, can b Cng ty Xuat nhap khau ca phe thuc 8
Nng nghlep va Cng nghlep thuc pham,
1994 - 1997: Gla m d c Xi nghle p xay du ng - Cng ty
Thanh 8inh 8 Quc phong.
Hlen la Chu tch Hl dng Quan tr Cng ty c phan Hlm
Lam, Chu tch Hl dng Quan tr Ngan hang Llen vlet.
l3 Lin kt Phat trin
Ong Nguyen Duc Huong
PHO CHU T|CH HO| DONG QUAN TP|
7RINH D HDC VN
- Cu nhan Truong Cao cap nghlep vu Ngan hang co so
|| (nay la Dal hoc Ngan hang thanh ph H Chi Mlnh)
Tt nghlep nam l993,
- Thac sy Quan tr klnh doanh (M8A), Dal hoc Touro, New
ork Hoa Ky Tt nghlep nam 2004,
- Tlen sy chuyen nganh Tal chinh luu thng tlen te Hoc
vlen Ngan hang Tt nghlep nam 2009.
UA 7RINH CDNC 7AC
1986 1990:
Cng tac tal Ngan hang Nha nuoc Chl nhanh th xa Kon
Tum vol cac chuc danh: Truo ng phong Tng hop, Truo ng
phong Tin dung, Pho glam dc,
1991 2000:
Cng tac tal Ngan hang Nng nghlep va Phat trlen Nng
thn vlet Nam Chl nhanh tlnh Kon Tum vol cac chuc
danh: Truong phong Tin dung, Pho glam dc, Glam dc,
2000 - 2007:
Pho glam dc, Glam dc So glao dch l (nay la Chl nhanh
Thang Long) Ngan ha ng Nng nghle p va Pha t trle n
Nng thn vlet Nam.
Hlen la Pho chu tch Hl dng Quan tr Ngan hang Llen
vlet.
BAO CAO
THNG NIN
2009
Ong Tran van Tinh
THANH v|LN HO| DONG QUAN TP|
7RINH D HDC VN
Cu nhan Luat - Truong Dal hoc Luat thanh ph H Chi
Mlnh - Tt nghlep nam l996.
UA 7RINH CDNC 7AC
1975 - 1993: Tro ly vat tu Trung doan 80 Quan khu 4,
hoc vlen Truong Sy quan Luc quan 2, can b Truong Cao
dang vln-hem-plch, cap bac Thleu ta,
1994 - 2008: Cng ta c ta l Cng ty TNHH Thuong ma l
Hlm Lam (nay la Cng ty c phan Hlm Lam) vol cac chuc
danh: Pho Glam dc, Glam dc dleu hanh.
Hlen la Tng glam dc Cng ty c phan Hlm Lam, thanh
vlen Hl dng Quan tr Ngan hang Llen vlet.
l5 Lin kt Phat trin
Ong Nguyen Duc Cu
7RINH D HDC VN
Cu nhan Dal hoc Thuong nghlep (nay la Dal hoc Thuong
mal) - Tt nghlep nam l978.
UA 7RINH CDNC 7AC
1978 - 1982: Glang vlen Truong Thuong mal Can Tho,
1982 - 1986: Chuyen vlen chinh sach 8 Nl thuong
(nay la 8 Cng Thuong),
1986 - 1992: Chuyen vlen klnh te - So Thuong ma l Ha N l.
Hlen la Glam dc Cng ty TNHH Khal Hung, thanh vlen
Hl dng Quan tr Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
www.lienvietbank.net
8a vo Th Klm Hoang
7RINH D HDC VN
Cu nhan Luat - Dal hoc Luat thuc vlen Dal hoc Sal Gon
(nay la Da l ho c Klnh te tha nh ph H Chi Mlnh) - T t
nghlep nam l975,
Cu nhan Klnh te - Dal hoc Klnh te thanh ph H Chi Mlnh
- Tt nghlep nam l977.
UA 7RINH CDNC 7AC
1977 - 1982: Gla ng vlen Truo ng Thuong nghle p Long
An,
1982 - 1990: Gla ng vlen Truo ng va t gla Trung uong 2
(nay la Dal hoc Marketlng thanh ph H Chi Mlnh),
1990 - 1995: Ke toan truo ng Cng ty TNHH vlet Phuc,
Cng ty TNHH Hlep Thnh.
Hlen la Pho glam dc Cng ty TNHH H-T-H, thanh vlen
Hl dng Quan tr Ngan hang Llen vlet.
l6
Lin kt Phat trin
BAO CAO
THNG NIN
2009
Ong Nguyen Dinh Thang
7RINH D HDC VN
Cu nhan chuyen nganh Xu ly thng tln klnh te bang may
tinh dlen tu - Khoa Toan klnh te - Truong Dal hoc Klnh te
ke hoach (nay la Dal hoc Klnh te quc dan) Tt nghlep
nam l979.
UA 7RINH CDNC 7AC
1979 - 1980: Gla ng vlen Truo ng Da l ho c Klnh te ke
hoach (nay la Dal hoc Klnh te quc dan),
1980 - 1981: Can b Su doan 354 - Quan khu Thu d,
1981 - 1983: Tro ly ke hoach - Phong Tham muu - 8lnh
doan 600 - Quan khu 7,
1983 - 1993: Truong Phong Tln hoc - Cng ty May tinh
|8M vlet Nam,
Glu cac v tri quan trong trong nganh Tln hoc vlet Nam
nhu: Pho Chu tch Hl tln hoc vlet Nam nhlem ky v, Pho
Chu tch Hle p h l Doanh nghle p pha n me m vle t Nam
(vNNASA) nhlem ky |, ||.
Hlen la Chu tch Hl dng Quan tr klem Tng glam dc
Cng ty TNHH Tln hoc va Thuong mal Hng Co, Thanh
vlen Hl dng Quan tr Ngan hang Llen vlet.
l7
www.lienvietbank.net
Ong Tran vlet Trung
7RINH D HDC VN
Cu nhan chuyen nganh Toan - Dal hoc Tng hop
8udapest, Hungary - Tt nghlep nam l98l,
Cu nhan Qua n tr klnh doanh - Truo ng Qua n tr klnh
doanh Amos Tuck thuc Dal hoc Darthmouth, Hoa Ky
Tt nghlep nam l996.
UA 7RINH CDNC 7AC
1982 - 1987: Dal uy thuc Phan vlen Dlen tu Ky thuat
quan su,
1987 - 1990: Ca n b Cng ty llen doanh Genpaclflc
thuc Tng cuc Dlen tu tln hoc vlet Nam,
1990 - 1993: Glam dc Trung tam phan mem - Cng ty
C phan May tinh truyen thng Dleu khlen 3C,
1993 - 1996: U y vlen H l d ng Qua n tr Ngan ha ng
TMCP Ngoal quc doanh vlet Nam (vP8ank).
Hlen la Chu tch Hl dng Quan tr Cng ty C phan Xl
mang vlet Trung, Tng glam dc Cng ty c phan Dau tu
tal chinh bat dng san TOG|, thanh vlen Hl dng quan
tr Ngan hang Llen vlet.
l8
Lin kt Phat trin
Ong D vlet Hung
7RINH D HDC VN
Ky su Hoa hoc - Truong Ky su Cao dang ve vat ly va Hoa
hoc cng nghlep tal Parls, Phap - Tt nghlep nam l982,
Ky su Tham do va Khal thac dau th Truong Ky su Cao
da ng Da u khi va D ng co ho c, Pha p - T t nghle p nam
l983,
Tha c sy Qua n tr klnh doanh (M8A) - Ho c vle n Qua n tr
Klnh doanh Chau u - Tt nghlep nam l988.
UA 7RINH CDNC 7AC
1982 - 1988: cng tac tal Phap vol cac v tri: Ky su xu ly
quy trinh sa n xuat trong nganh da u khi TLCHN|P, Parls -
vlen Hoa dau Phap, Ky su nghlen cuu - Phong Nghlen cuu
tham do va khal thac - vlen Hoa dau Phap, Glam dc Dleu
hanh - Llen doanh glua LLP-Aqultalne, Total-CPP va vlen
Hoa dau Phap,
1988 - 1994: Glam dc Dleu hanh McKlnsey & Company
|nc Phap va My,
1994 - 1997: Truong dal dlen Cng ty Quan ly Quy Dau tu
vletNamvest tal vlet Nam,
1997 - 1999: Glam dc Dleu hanh - Hl so khu vuc Dng
Nam A McKlnsey & Company |nc va A.T.Kearney Pte.Ltd,
1999 - 2006: D ng sa ng la p vlen klem T ng gla m d c
Cng ty Qua n ly Ta l sa n va tu va n Tonson Capltal (Tha l
Lan).
Hlen la Chu tch Hl dng Quan tr klem Glam dc Cng
ty C phan Qua n ly Dau tu Long van, Thanh vlen Hl dng
Quan tr Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
l9
n Ong Pham Doan Son Truong 8an Klem soat
nOng 7rn 7hanh 7ung Thanh vlen 8an Klem soat
nOng Nguyn Van Hung Cuong Thanh vlen 8an Klem soat
n8a oan 7rn Phuong Lan Thanh vlen 8an Klem soat
n8a Nguyn 7h| Lin Thanh vlen 8an Klem soat
2.2. an kim soat
2l Lin kt Phat trin
BAO CAO
THNG NIN
2009
Ong Pham Doan Son
TPUONG 8AN K|LM SOAT
7RINH D HDC VN
Cu nhan Truong Dal hoc Tal chinh Ke toan Ha Nl (nay la
Hoc vlen Tal chinh) - Tt nghlep nam l990,
Tha c sy Qua n tr klnh doanh (M8A) - Truo ng Da l ho c
|mpac - Hoa Ky Tt nghlep nam 2008.
UA 7RINH CDNC 7AC
1990 - 1994: Can b Cng ty Xuat nhap khau Thuy san
Ha Nl,
1994 2008: Cng tac tal Klem toan Nha nuoc vol cac v
tri: Klem toan vlen Klem toan doanh nghlep Nha nuoc,
Pho Truong phong thuc Klem toan doanh nghlep Nha
nuo c, Truo ng pho ng thu c Kle m toa n ca c t chu c ta l
chinh Ngan hang.
Hlen la Truong ban Klem soat Ngan hang Llen vlet.
Ong Tran Thanh Tung
THANH v|LN 8AN K|LM SOAT
7RINH D HDC VN
Cu nhan chuyen nganh Tal chinh Ngan hang Hoc vlen
Ngan hang - Tt nghlep nam 2006.
UA 7RINH CDNC 7AC
1990 - 2005: Cng ta c ta l Kho ba c Nha nuo c tlnh La o
Cal,
2005 - 2008: Cng ta c ta l Ngan ha ng TMCP Phuong
Nam - Chl nha nh Ca u Gla y, Chl nha nh Ha N l va Chl
nhanh Long 8len vol chuc danh dam nhlem la Phu trach
ke toan.
Hlen la Thanh vlen ban Klem soat Ngan hang Llen vlet.
23 Lin kt Phat trin
7RINH D HDC VN
Cu nhan chuyen nganh Ke toan cac nganh - Dal hoc Tal
chinh Ke toa n tha nh ph H Chi Mlnh (nay la Da l ho c
Klnh te thanh ph H Chi Mlnh) - Tt nghlep nam l990.
UA 7RINH CDNC 7AC
1990 - 1992: Ke toan tng hop Cng ty Xay lap |||,
1992 - 1997: Ke toa n Cng ty Xang da u Khu vu c ||,
Truong phong Tal chinh ke toan Xi nghlep van tal xang
dau thuc Cng ty Xang dau khu vuc ||,
1997 - 2010: Cng tac tal Cng ty Dch vu hang khng
San bay Tan Son Nha t SASCO vo l ca c chu c danh: Pho
phong Ke hoach Tal vu, Truong phong Ke hoach Tal vu,
Pho phong Tal chinh, quyen Truong phong Tal chinh, Ke
toan truong.
Hlen la Ke toan truong Cng ty Dch vu hang khng San
bay Tan Son Nha t SASCO, Tha nh vlen 8an Kle m soa t
Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
Ong Nguye n van Hu ng Cuo ng
7RINH D HDC VN
Cu nhan chuyen nganh Tal chinh Cng nghlep - Dal hoc
Tal chinh Ke toan thanh ph H Chi Mlnh (nay la Dal hoc
Klnh te thanh ph H Chi Mlnh) - Tt nghlep nam l984.
UA 7RINH CDNC 7AC
1984 - 1985: Cng tac tal So Tal chinh thanh ph H Chi
Mlnh,
1985 - 1989: Ke toan tng hop Cng ty Pau qua thanh
ph H Chi Mlnh,
1990 - 1995: Ke toa n t ng ho p So Thuong ma l tha nh
ph H Chi Mlnh.
Hlen la Ke toan truo ng Tng cng ty Thuong mal Sal Gon
SATPA, Thanh vlen 8an Klem soat Ngan hang Llen vlet.
8a Doa n Tra n Phuong Lan
25 Lin kt Phat trin
BAO CAO
THNG NIN
2009
8a Nguyen Th Llen
7RINH D HDC VN
Cu nhan chuyen nga nh Ngan ha ng - Truo ng Cao ca p
nghlep vu ngan hang - co so || (nay la Dal hoc Ngan hang
thanh ph H Chi Mlnh - Tt nghlep nam l985).
UA 7RINH CDNC 7AC
1968 - 1974: Cng tac tal Ngan hang vu Thu Thal 8inh,
1974 - 1975: Ke toan tal Ngan hang Quc gla vlet Nam,
1976 - 1989: Ke toan tal Ngan ha ng Cng thuong Chl
nhanh thanh ph H Chi Mlnh,
1989 - 1998: Chuyen vlen Thanh tra NHNN Chl nhanh
thanh ph H Chi Mlnh,
1999 - 2006: Cng tac tal Ngan hang TMCP vP8ank vol
ca c chu c danh: phu tra ch Pho ng Kle m toa n n l b ,
Thanh vlen 8an Klem soat.
Hlen la Thanh vlen 8an Klem soat Ngan hang Llen vlet.

nOng Nguyn uc Huong Pho Chu tch thuong truc HDQT klem Tng Glam dc
nOng oan Van 7hang Pho Tng Glam dc
nOng L Hng Phong Pho Tng Glam dc
n8a Nguyn 7hu Hoa Pho Tng Glam dc
nOng 7 Van Chanh Pho Tng Glam dc
nOng Nguyn Minh 7r Pho Tng Glam dc
n8a Nguyn 7h| Cm Ke toan truong
2.3. an iu hanh
27 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Ong Nguyen Duc Huong
PHO CHU T|CH HO| DONG QUAN TP|
7RINH D HDC VN
Cu nhan truo ng Cao ca p nghle p vu Ngan ha ng co so ||
(nay la Dal hoc Ngan hang thanh ph H Chi Mlnh) Tt
nghlep nam l993,
Thac sy Qua n tr klnh doanh (M8A), Dal hoc Touro, New ork
- Hoa Ky Tt nghlep nam 2004,
Tlen sy chuyen nganh Tal chinh Luu thng tlen te Hoc vlen
Ngan hang Tt nghlep nam 2009.
UA 7RINH CDNC 7AC
1986 - 1990: Cng ta c ta l Ngan ha ng Nha nuo c - Chl
nha nh th xa Kon Tum vo l ca c chu c danh: Truo ng pho ng
T ng ho p, Truo ng pho ng Tin du ng, Pho gla m d c,
1991 - 2000: Cng tac tal Ngan hang Nng nghlep va Phat
trle n nng thn vle t Nam - Chl nha nh tlnh Kon Tum vo l
ca c chu c danh: Truo ng pho ng Tin du ng, Pho gla m d c,
Gla m d c,
2000 - 2007:
Pho glam dc, Glam dc So glao dch l (nay la Chl nhanh
Thang Long) Ngan hang Nng nghlep va Phat trlen Nng
thn vlet Nam.
Hlen la Pho chu tch thuong truc Hl dng Quan tr Ngan
hang Llen vlet.
Ong LL HONG PHONG
PHO TONG G|AM DOC
7RINH D HDC VN
Cu nhan Tal chinh luu thng tlen te - Truong Cao cap nghlep
vu Ngan ha ng (nay la Ho c vle n Ngan ha ng) - T t nghle p
nam l985,
Thac sy chuyen nganh Tal chinh luu thng tlen te - Dal hoc
Klnh te quc dan - Tt nghlep nam l999,
Cu nhan Luat - Dal hoc Luat Ha Nl - Tt nghlep nam l999,
Tin s chuyn ngnh Ti chnh lu thng tin t - Hc vin
Ngn hng - Tt nghip nm 2007.
UA 7RINH CDNC 7AC
1986 - 11/1991: Can b Pho ng Tin dung khu vuc |, Ngan
hang Thanh ph Ha Nl,
12/1991 - 01/1997: Cng tac tal Ngan hang Nng nghlep
va Pha t trle n nng thn vle t Nam - Chl nha nh Ha N l vo l
ca c v tri: Pho truo ng Pho ng Klnh doanh, Truo ng pho ng
Thanh toan Quc te, Pho glam dc,
02/1997: Glam dc Ngan hang Nng nghlep va Phat trlen
nng thn vlet Nam - Chl nhanh Lang Ha,
2003 - 06/2009: Pho tng glam dc Ngan hang Chinh sach
xa hl vlet Nam.
Hlen la Tng Glam dc Ngan hang Llen vlet.
29 Lin kt Phat trin
Ong Doan van Thang
PHO TONG G|AM DOC
7RINH D HDC VN
Cu nhan chuyen nganh Tin dung - Truong Cao cap nghlep
vu Ngan ha ng (nay la Ho c vle n Ngan ha ng) T t nghle p
nam l986,
Thac sy chuyen nganh Tal chinh luu thng tlen te, tin dung
- Dal hoc Klnh te quc dan - Tt nghlep nam l996,
Tlen sy chuyen nganh Tal chinh luu thng tlen te, tin dung
- Dal hoc Klnh te quc dan - Tt nghlep nam 2003,
UA 7RINH CDNC 7AC
1986 - 1991: Cng tac tal Ngan hang Nha nuoc vlet Nam -
Chl nhanh huyen Me Llnh, Ha Nl,
1991 - 2008: Cng ta c ta l H l so chinh Ngan ha ng Nng
nghlep va Phat trlen nng thn vlet Nam vol cac chuc danh:
Pho glam dc Tin dung nng nghlep, Truong phong Phan
tich klnh te tng hop, Pho Truong ban Tin dung, Pho glam
dc phu trach Trung tam the, Truong ban Nghlen cuu, phat
trlen san pham dch vu.
Hlen la Pho Tng Glam dc Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
8a Nguyen Thu Hoa
PHO TONG G|AM DOC
7RINH D HDC VN
Cu nhan chuyen nganh Tal chinh Ngan hang - Dal hoc Klnh
te quc dan - Tt nghlep nam l998,
Thac sy nganh Tal chinh ung dung - Dal hoc mlen Tay Syd-
ney Australla - Tt nghlep nam 2002.
UA 7RINH CDNC 7AC
2002 - 2006: Truong phong Tham dnh - Ngan hang Nng
nghlep va Phat trlen nng thn vlet Nam - Chl nhanh Thang
Long,
2006 - 2008: Pho glam dc phu trach Klnh doanh - Ngan
hang TMCP An 8inh - Chl nhanh Ha Nl.
3l Lin kt Phat trin
Ong T van Chanh
PHO TONG G|AM DOC K|LM G|AM DOC
CH| NHANH THANH PHO HO CH| M|NH
7RINH D HDC VN
Cu nhan chuyen nganh Ngan hang - Dal hoc Klnh te thanh
ph H Chi Mlnh - Tt nghlep nam l985.
UA 7RINH CDNC 7AC
1977 - 1988: Cng tac tal Ngan hang Nha nuoc vlet Nam -
Chl nhanh tlnh Thuan Hal (nay la tlnh Nlnh Thuan) vol cac v
tri: Ca n b , Pho truo ng Pho ng Klnh te Ke hoa ch, Truo ng
phong Quan ly ngoal hl,
1988 - 1997: Pho Gla m d c, Gla m d c Ngan ha ng Cng
thuong vle t Nam - Chl nha nh tlnh Thua n Ha l (nay la tlnh
Nlnh Thuan),
1997 - 2008: Glam dc So Glao dch ||, Glam dc Chl nhanh
| Ngan hang Cng thuong vlet Nam.
Hlen la Pho Tng Glam dc klem Glam dc Chl nhanh thanh
ph H Chi Mlnh - Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
Ong Nguyen Mlnh Tri
PHO TONG G|AM DOC
7RINH D HDC VN
Ky su chuyen nganh Khal thac may tau blen Dal hoc Hang
Hal - Tt nghlep nam l992,
Cu nhan chuyen nganh Tal chinh tlen te Ngan hang - Dal
hoc Klnh te thanh ph H Chi Mlnh - Tt nghlep nam 2000.
UA 7RINH CDNC 7AC
1992 - 1995: Sy quan may tau blen - Cng ty van tal blen
Can Tho,
1995 - 2008: Glam dc Ngan hang TMCP Xuat nhap khau
vlet Nam - Chl nhanh Can Tho.
33 Lin kt Phat trin
8a Nguyen Th Gam
KL TOAN TPUONG
7RINH D HDC VN
Cu nhan chuyen nganh Tal chinh Ngan hang Dal hoc Klnh
te Quc dan - Tt nghlep nam l993,
Cu nhan Luat - Dal hoc Luat Ha Nl - Tt nghlep nam 2007.
UA 7RINH CDNC 7AC
1993 - 2008: Ke toan truong, Klem toan truong Chl nhanh
Ngan hang Chlnfon tal vlet Nam,
2008 dn nay: Ke toan truong Ngan hang Llen vlet.
BAO CAO
THNG NIN
2009
3. i ngu can b va chnh sach di voi nguoi Iao dng
3.1. S Iuong can b nhn vin
Nam 2009, mac du tinh hinh lao dng dlen ra phuc tap song Ngan hang Llen
vle t va n n dnh duo c d l ngu nhan su va co tuye n du ng them lu c luo ng lao
dng co trinh d nham dap ung yeu ca u mo rng mang luol hoat dng. Tinh
den 3l/l2/2009, tng s can b nhan vlen cua Ngan hang Llen vlet la 758 nguol,
trong do: s can b co trinh d tren dal hoc la 53 nguol chlem 7%, dal hoc la 594
nguol chlem 79%, cao dang va trung cap la 56 nguol chlem 7%, trinh d khac la
55 nguol chlem 7% tng s can b, nhan vlen.
3.2. Ch d di voi nguoi Iao dng
Ngan hang Llen vlet lun col ngun nhan luc la yeu t ct lol va la tal san
quy gla cua Ngan hang. Chinh sach nhan su cua Ngan hang Llen vlet duoc xay
dung vol muc dich blen ngun nhan luc tro thanh mt uu the canh tranh hang
dau. 8an lanh dao cua Ngan hang lun chu y thuc hlen nguyen tac Dung Nhan
nhu Dung Mc, Dung nguol la phal nam so truong de blet so doan va cac ky
nang Nhin nguol va phuong phap nhan blet nhan tal de dao tao, quy hoach, glu
chan nguol glol.
vol phuong cham Sng bang luong, glau bang thuo ng, vi su tang truo ng cu a
Llenvlet8ank, chinh sach luong - thuo ng cu a Ngan hang Llen vlet duoc xay dung
mang tinh canh tranh cao nham thu hut, khuyen khich nguol lao dng gla nhap
va cng hlen lau dal cho su phat trlen cua Ngan hang Llen vlet. Ngoal tlen luong,
khl lam vlec tal Ngan hang Llen vlet, nhan vlen con duoc huong rat nhleu che d
phu cap, che d tro cap kho khan thuong xuyen va dt xuat, che d du lch, tham
quan, nghl mat, che d cham soc suc khoe dnh ky va cac quy dnh cua Nha
nuoc ve che d, chinh sach dl vol nguol lao dng lun duoc thuc hlen day du.
Tal Ngan hang Llen vlet, can b nhan vlen duoc cng nhan kha nang, su nhlet
huyet va nhung dong gop tich cuc cua minh. Ngan hang Llen vlet ap dung chinh
sach thuong thuong xuyen, khen thuong dt xuat cho nhung ca nhan, tap the
co thanh tich tt trong cng vlec nham dng vlen, khuyen khich nhan vlen toan
he thng n luc cng hlen va phan dau het minh tren mol v tri cng tac de xay
dung Llenvlet8ank ngay cang phat trlen va lon manh. Ngan hang Llen vlet cung
da xay dung duoc phan mem danh gla nhan su hang thang, do cung la co so de
danh gla nhan vlen va lua chon ra nhung ca nhan dat thanh tich xuat sac nham
khen thuong xung dang, kp thol, qua do cung dam bao tinh cng bang va cng
khal.
Da o ta o ngu n nhan lu c la nhle m vu quan tro ng ha ng da u trong qua n ly
ngun nhan luc va la mt hinh thuc dau tu chlen luoc cua Ngan hang Llen vlet.
Ngay tu dau, Ngan hang Llen vlet da thuc hlen xay dung de an vuon uom nhan
tal trong chinh sach dao tao va phat trlen cua minh. Cac khoa dao tao cua Ngan
hang Llen vlet bao gm ca dao tao trong nuoc va dao tao nuoc ngoal, dao tao
truc tuyen thng qua |nternet. Ngan hang Llen vlet thuong xuyen t chuc cac
cuc hl tha o, toa dam vol cac nha hoach dnh chinh sach va t chuc cac lop
hoc ngan han vol su tham gla cu a cac chuyen gla glau klnh nghlem tu cac t
chuc tal chinh nuoc ngoal. Qua do, nhan vlen se duoc nang cao klen thuc, nang
cao tam nhin cung nhu trinh d nghlep vu chuyen mn cung cac ky nang khac.
Sau khl tham gla cac khoa dao tao, tat ca nhan vlen se duoc danh gla, xep hang
de co the phat trlen va thang tlen nghe nghlep trong tuong lal, tu do tao ra gla
tr lon nhat cho ban than nhan vlen va Ngan hang.
35 Lin kt Phat trin
BAO CAO
THNG NIN
2009
|||. KLT QUA HOAT DONG
K|NH DOANH NAM 2009
Cac chl s tal chinh co ban
Tng tal san l7.367 ty dng
vn chu so huu 3.828 ty dng
vn dleu le 3.650 ty dng
Tng huy dng vn l3.399 ty dng
Tng du no tin dung 5.983 ty dng
Ty le no xau/Tng du no 0,28%
Tng Thu nhap l.374 ty dng
Tng chl phi truoc thue 834 ty dng
Lol nhuan truoc thue 540 ty dng
Lol nhuan sau thue 540 ty dng
Ty suat lol nhuan /vn chu so huu (POL) l4,ll%
Ty suat lol nhuan /Tng tal san (POA) 3,ll%
Ty le chla c tuc l3%
1. 7ng tai san
Den 3l/l2/2009, tng tal san cua Ngan hang Llen vlet dat l7.367 ty dng, tang
9.9l4 ty dng tuong duong vol tang l30% so vol thol dlem 3l/l2/2008, dat l25%
ke hoach de ra.
www.lienvietbank.net 36
Lin kt Phat trin
BAO CAO
THNG NIN
2009
2. Huy dng vn
Su ra dol Thng tu l5/2009/TT-NHNN quy dnh glam ty le tl da ngun vn ngan han duoc su
dung cho vay trung dal han tu 40% xung 30% cung vol vlec he thng ngan hang vlet Nam rol vao
tinh trang khan hlem ngu n vn va thleu tinh thanh khoa n va o tho l dle m cul nam 2009 da gop
phan lam cuc dua lal suat dl vol cac ngan hang thuong mal nong len. Cac ngan hang khng ngung
gla tang lal suat tlen gul vol muc kch tran cung cac chleu huy dng thng qua cac hinh thuc nhu
khuyen mal, tang qua Truoc tinh hinh do, Hl dng Quan tr va 8an Dleu hanh da chu dng trlen
khal dng b, ap dung nhleu glal phap nhanh nhay phu hop vol thuc te th truong, tlen hanh trlen
khal cac san pham va dch vu da dang dap ung nhu cau cua dan cu, t chuc klnh te va cac t chuc tin
dung bang ca nl te va ngoal te. vi vay, Ngan hang Llen vlet da t chuc thuc hlen kha tt cng tac
can dl va dleu hoa vn, lun da m ba o kha nang thanh khoa n, ty le ve da m ba o an toan vn theo dung
quy dnh cua NHNN. Dac blet, Ngan hang Llen vlet da tan dung duoc tl da the manh ve ngun vn
trong dleu klen kho khan de tao ngun lol cho minh, dam bao duy tri n dnh hoat dng cua ngan
hang nam 2009.
37
iu d tang truong tng tai san:
n v: ty ng
Den 3l/l2/2009, tng s du huy dng vn cua Ngan hang Llen vlet dat l3.399 ty dng, tang 9.598
ty dng tuong duong tang 253% so vol thol dlem 3l/l2/2008, dat l4l% ke hoach de ra. Trong do,
ngun vn huy dng tu th truong l dat 8.309 ty dng chlem tren 62% tng ngun vn huy dng va
llen tuc tang trong thol glan qua:
iu d bin dng tang truong huy dng vn:
n v: ty ng
- TCKT: 6.729 ty (50%)
- Dan cu: l.608 ty (l2%)
- TCTD: 5.092 ty (38%)
39 Lin kt Phat trin
BAO CAO
THNG NIN
2009
3. Du no tn dung
Truoc dnh huong trong hoat dng cap tin dung cu a Ngan hang Nha nuoc, thuc trang va dlen blen
th truong, nam 2009 la nam thuc su khng thuan lol dl vol hoat dng cap tin dung. Tuy nhlen, tng
du no cho vay cua Ngan hang Llen vlet tinh den thol dlem 3l/l2/2009 dat 5.983 ty dng, tang 3.309
ty dng tuong duong tang l24% so vol thol dlem 3l/l2/2008. Cho vay dl vol cac t chuc tin dung
dat 560 ty chlem tren 9%, cho vay dl vol khach hang dat 5.423 ty chlem gan 9l%, no xau chl o con
s nho la 0,26% va no qua han la l,49%.
iu d bin dng tang truong Du no tn dung:
n v: ty ng
4l Lin kt Phat trin
BAO CAO
THNG NIN
2009
4. Loi nhun truoc thu
Lol nhuan nam 2009 cua Ngan hang Llen vlet dat 540 ty dng, tang 96 ty dng so vol nam 2008,
tuong duong 2l,6%, vuot l6% ke hoach nam 2009.
5. Phat trin cac hoat dng d|ch vu
Cng nghe rhng rin:
- Ngay tu nhung ngay dau chuan b thanh lap, Ngan hang Llen vlet da xay dung mt chlen luoc
dau tu cng nghe bal ban nham huong tol muc tleu tro thanh ngan hang s l vlet Nam ve hlen dal
hoa. Ngan hang Llen vlet da trlen khal thanh cng hal glal doan cua du an ung dung he thng Ngdn
hnng lci (Ccre8nnking} llexcube cua nha cung cap glal phap Cng nghe thng tln linh vuc dch vu
tal chinh hang dau tren the glol |-Plex Solutlons (nay la Oracle Plnanclal Servlces Llmlted).
- llexcube la glal phap ngan hang duoc ua chung nhat tren the glol theo bang xep hang cua |8S
Sales League Table cua |nternatlonal 8anklng System (Anh Quc) trong 4 nam llen (2002-2005). vol
glal phap Core8anklng tich hop toan dlen nay, Ngan hang Llen vlet se dap ung mol nhu cau ve dch
vu tal chinh - ngan hang hlen dal, chinh xac, tu dng, truc tuyen va co nhleu gla tr cho khach hang.
- Du an 6P5 7rncking 5ysremllen quan den vlec gan cac thlet b dnh v ve tlnh nham quan ly dl
xe cua Ngan hang cung se gop phan glup khach hang yen tam hon vol cac dch vu nhan va chuyen
tlen tan nha do Ngan hang cung cap.
iu d Ioi nhun Iuy k:
n v: ty ng
- Du an 7ele &viJec CcnIerencing cho phep Ngan hang Llen vlet glam thleu cac chl phi nhung
gla tang hleu qua, chat luong cua cac cuc hop, hl thao, gop phan dua Ngan hang Llen vlet tlen gan
hon tol muc tleu tro thanh mt ngan hang hlen dal - chuyen nghlep - nang dng hang dau cua vlet
Nam.
Ngdn hnng Jien ru:
- Su ra dol cua Ngan hang dlen tu da danh dau mt buoc quan trong trong su phat trlen cung nhu
hlen dal hoa cua cac san pham dch vu ngan hang. Thang ll/2009, vol su klen hoan thlen SMS 8ank-
lng glal doan ||, khach hang se duoc dap ung nhleu hon nua cac san pham dch vu ngan hang chl vol
may dlen thoal, mang |nternet va rut ngan thol glan glao dch. Du klen trong nam 20l0, Ngan hang
Llen vlet se dua ra th truong san pham the cua ngan hang.
- Dch vu 5M5 8nnking duoc trlen khal va cung cap den khach hang theo hal glal doan, cho phep
khach hang tra cuu thng tln tal khoan, thng tln ngan hang, cung nhu thuc hlen cac dch vu thanh
toan dlen tu bao gm cac dch vu nap tlen dlen thoal, thanh toan chuyen khoan, thanh toan hoa don
qua tln nhan tu dlen thoal dl dng. Thang ll/2009, 5M5 8nnking ra mat glal doan || vol cac dch vu
nhu np thue bao dl dng tra truoc va chuyen khoan.
- Hal du an quan trong khac cung se duoc trlen khal ngay trong nam 20l0 la du an lnrerner 8nnk-
ing va du an 7he. Du an The ap dung phan mem chuyen mach va quan ly the tlen tlen, hlen dal cho
phep Ngan hang Llen vlet xay dung mt he thng san pham the da dang, cung cap nhleu tlen ich cho
khach hang.
7dng khn ndng lien Jcnnh, lien ker kinh Jcnnh rhng qun cnc Je nn kinh Jcnnh:
Nam 2009, Ngan hang Llen vlet da t chuc trlen khal cac de an chlen luoc nhu: De an Tng cng
ty 8uu chinh vlet Nam gop vn vao Ngan hang Llen vlet bang gla tr tal san cua Cng ty Dch vu tlet
klem 8uu dlen (vPSC), De an Thuc hlen thu thue, phi va cac khoan thu ngan sach nha nuoc qua Ngan
hang Llen vlet, De an Hal quan dlen tu va cac hop tac thuc hlen trlen khal cac dch vu thu h dl vol
cac nha cung cap dch vu, Chinh thuc duoc Ngan hang Nha nuoc chl dnh lam ngan hang phuc vu glal
ngan cac Du an Phnr rrien ndng lucng rni rnc vn mc rng, cni rnc luci Jien chc cnc xn vung sdu,
vung xn vol tng muc dau tu hon 200 trleu USD trong do vn vay cua AD8 la l5l trleu USD.
Phnr rrien mnng luci:
Den thol dlem 30/06/20l0, Ngan hang Llen vlet da phat trlen va mo rng them mang luol hoat
dng, nang s dlem glao dch len 37 dlem, trong do gm: 0l hl so chinh, 0l so glao dch, l2 chl
nhanh va 23 phong glao dch dap ung l trinh phu song mang luol glao dch tol cac tlnh, thanh ph
trung tam cua ca nuoc.
43 Lin kt Phat trin
BAO CAO
THNG NIN
2009
6dn xn hi rrcng kinh Jcnnh la phuong cham hoat dng mang tinh lau dal cua Ngan hang
Llen vlet. Song song vol vlec phat trlen co hleu qua cac hoat dng klnh doanh, Ngan hang Llen vlet
cam ket tich cuc dong gop cho cng dng va xa hl thng qua cac hoat dng ung h va phong trao
tu thlen, tu do nang cao nhan thuc va trach nhlem xa hl cua ml thanh vlen trong Dal gla dinh Llen-
vlet8ank.
Mac du mol dl vao hoat dng chua day hal nam, song Ngan hang Llen vlet lun duoc blet den
khng chl la mt trong nhung ngan hang co hoat dng klnh doanh tt, co uy tin tren th truong tal
chinh ngan hang ma con la mt t chuc co rat nhleu cac hoat dng tu thlen, tal tro xa hl, gop phan
rat lon chung tay gop suc vao cng cuc phat trlen cua xa hl. Tinh den 3l/l2/2009, Ngan hang Llen
vlet cung vol cac thanh vlen Hl dng Quan tr da tich cuc dong gop duoc gan 300 ty dng cho cng
dng va xa hl thng qua cac hoat dng ung h va phong trao tu thlen nhu: Chuong trinh vi nguol
ngheo tlnh Hau Glang, Trao tang s tlet klem cho cac 8a me vlet Nam anh hung, Chuong trinh Hoc
bng trong nuoc vuon uom nhan tal Llenvlet8ank, Chuong trinh Cap sach phao cuu slnh cho tre
em vung sng nuoc, Khol xuong thanh lap quy tu thlen Lan toa phn vlnh, Chung tay khac phuc
hau qua bao lut tal cac tlnh b thlet hal nam 2009, Trao tang tren 4.000 chlec tlvl cho cac h gla dinh
ngheo, cac glao vlen, nha truong o tlnh, thanh ca ba mlen va rat nhleu cac hoat dng tu thlen co y
nghia khac.
Ngun tlen ung h va tu thlen tren cua Ngan hang Llen vlet da tao ra nhung ngl truong, thu vlen
truong hoc co quy m lon, nhung suat hoc bng cho hoc slnh, slnh vlen ngheo vuot kho cung hang
ngan trang thlet b glao duc mang y nghia thlet thuc,
nha m glu p ca c em co d ng lu c de vuo t kho , uom
ma m cho nhu ng ta l nang xanh co dle u kle n pha t
trlen, se chla bot phan nao nhung kho khan cua cac
em, mang den ngu n dng vlen cho cac em tren con
duong hoc van. Nhung ngl nha tinh nghia, nhung
tam s tlet klem cung hang ngan chlec tlvl da gop
phan san se kho khan cho cac dl tuong chinh sach
xa hl, mang den anh sang van hoa, thng tln den
vol nhung glao vlen co hoan canh kho khan
IV. CA C S KI N VA HOA T NG OA N TH , C NG NG
45 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Sang nam 20l0, klnh te toan cau da buoc dau phuc hl tro lal. Tuy nhlen, klnh te the glol van con
phal dl mat vol nhleu bat n: tham hut ngan sach o muc cao, he thng ngan hang con nhleu rul ro
tlem an, ty le that nghlep chua glam bot Dl vol vlet Nam, cac blen phap kich cau va binh n kp
thol cua Chinh phu da glup dat nuoc vuot qua khung hoang va duy tri tang truong klnh te. Mac du
vay, chung ta van phal canh glac truoc cac nguy co tlem an ve lam phat, tham hut can can thuong
mal va tham hut ngan sach. Nganh ngan hang la mt linh vuc klnh doanh co dleu klen, duoc col la
huyet mach cua nen klnh te, dac blet nhay cam vol bat n klnh te va thay dl chinh sach.
Nhan thuc ro nhung kho khan va co hl truoc mat, Hl d ng Qua n tr va 8an Dle u hanh Ngan hang
Llen vlet lun theo dol sat sao dlen blen th truong, kp thol dua ra cac chl dao llnh hoat nham khal thac
t l da ca c co h l va vuo t qua duo c ca c kho khan, huo ng de n su pha t trle n be n vu ng. Nam 20l0 cu ng da nh
dau mt su thay d l lon lao do la T ng Cng ty 8uu chinh vlet Nam (vNPost) se gop vn vao Ngan hang
Llen vle t ba ng gla tr Cng ty Dch vu tle t kle m buu dle n va se tro tha nh d l ta c chle n luo c cu a Ngan ha ng.
vlec gop vn nay se mo ra co hl cho Ngan hang Llen vlet quye n su dung he thng mang luol khoa ng
l3.000 dle m glao dch va 420.000 khach hang cu a Cng ty Dch vu tlet klem buu dlen.
Chlen luoc hoat dng tu nam 20l0 tro dl thay dl so vol 2 nam dau thanh lap, do la: Phan dau
tro thanh mt trong nhung ngan hang ban le hang dau vlet Nam phat trle n manh cac sa n pha m dch
vu ban cheo ket hop ban bun va klnh doanh da nang theo dung quy dnh cua phap luat.
Nam 20l0, mac du con nhleu thach thuc, Ngan hang Llen vlet lun phan dau dat duoc cac chl tleu
chinh sau day:
V. NH HNG PHAT TRIN NM 2010
De thuc hlen cac muc tleu va su menh tren, Ngan ha ng Llen vlet da dua ra 5 nhom gla l phap chu yeu:
(l)Quan tr va dleu hanh
Ngan hang Llen vlet quyet dnh klen toan lal b may t chuc quan ly cua Ngan hang. Cac thanh
vlen Hl dng Quan tr la cac thanh vlen chuyen trach va Hl dng Quan tr truc tlep quan ly klnh
doanh Ngan hang theo phuong thuc Hl dng Quan tr dleu hanh 8an Dleu hanh thua hanh, trlen
khal cng vlec, ket hop vol vlec tal co cau va hop ly hoa he thng qua n ly theo ca chle u rng va
chleu sau theo so d m hnh t chuc moi nhu sau:
I HI NG C NG B

Hi ng Qun tr
Ban Tng gim c
y Ban Chin lc
v Kinh doanh
MNG KINH DOANH MNG THAM MU M
y Ban Nhn s, Cng ngh
v Qun l chi ph
H Chin lc H Kinh doanh H Nhn s H Cng ngh
Ban Cng ngh
Ngn hng
Ban Cng ngh
Thng tin
H QL
Chi ph
H

P. KHCL
P. ODA
TKB SGD CN CT Con
Khi
KH Chin lc
P. Qun l vn
P. KD Vn
Khi
Ngun vn
P. KD Quc t
P. QH Quc t
Khi QH & KD
Quc t
P. KHDN
P. KHCN
P. TSN - TSC
Khi
K. hng
P. Php ch
P. QLRR
Khi PC &
QLRR
P. Thm nh
P. T Gi
Khi
Thm nh
T

Ban nghin cu
pht trin

Ngn hng
in t
P. KD
TT Th
P. H tr
tng hp
P.DV NH
trc tuyn
v TMDT
S T CHC HI S NGN HANG LIN VIT
47 Lin kt Phat trin
BAO CAO
THNG NIN
2009
BAN KIM SOT KHI KIM TON NI B
P. Tng hp
P. Kim ton
nh k
P. Kim tra
thng xuyn
H

MNG H TR

H TD Hi s
H TD
Pha Bc
Khi
PTDN
P. Mng li
P. Nhn s
P. TC & KT
P. Thng k
P. CN & T
P. Core
P. Data
P. TT Quc t
P. TT Tr. nc
P. HT & BM
P. Marketing
P. PR
P. DV KH
P. Hnh chnh
P. Qun tr
P. QLDN
M.Bc M.Trung .N. B T.N. B
P. Hardware
P. NC PTSP
Khi
Ti chnh
P

Trung tm
CNTT
TTTT Khi PR &
Marketing
Khi
Vn phng
H TD
Pha Nam
Ban
TD CN
Ban
TD CN
H i ngoi H ALCO H QLRR

y Ban Tn dng v
i ngoi
y Ban AlCO v
Qun l ri ro

Theo do , m hinh t chu c mo l cu a Ngan ha ng Llen vle t se bao g m ca c u y ban, trong m l u y ban la ca c h l d ng, ca c tha nh
vlen Hl d ng Qua n tr la chu tch cu a cac u y ban va mt s hl d ng quan trong, tham gla truc tlep va o vlec chl dao, dle u
ha nh, 8an Dle u ha nh se thu a ha nh, trle n khal cng vlec.
(ll) Du bao th truong va quan tr rul ro
Ngan hang Llen vlet se nang cao nang luc phan tich du bao klnh te vi m va th truong tal chinh ngan hang, tren co
so do, tlen hanh glam sat rul ro th truong va rul ro hoat dng de co blen phap du phong phu hop.
(lll) San pham va khach hang
Ngan hang Llen vlet se nghlen cuu trlen khal cac san pham dch vu ngan hang sang tao va hap dan, ket hop nang cao
chat luong dch vu, thng qua do mang hinh anh mt Ngan hang Llen vlet hlen dal, nang dng va chuyen nghlep den vol
tung khach hang.
(lv) Nhan luc va dao tao
Ngan ha ng Llen vlet se thuc thl chinh sach da l ng canh tranh cng ba ng ket hop vol cng tac da o tao b l duo ng sau rng
kp thol de xay dung dl ngu nhan su dat du 4 tleu chua n: Tam Tin Tal Ta m.
(v) Day manh cng tac huy dng vn
Day tlep tuc duoc xem la nhlem vu trong tam nam 20l0, neu tan dung tt se tao ra su phat trlen rat manh, cac chuong
trinh cu the nhu sau: (l) T chuc tlep can tt ngun vn ODA, (2) Trlen khal De an dal ly thu Ngan sach Nha nuoc va dal ly
chl tra luong huu tren pham vl toan quc, (3) Cham soc tt cac khach hang da co quan he va chu dng tim klem khach
hang mol. Dng thol chu y nang cao nang luc tal chinh thng qua vlec tang vn dleu le bang nhleu hinh thuc nhu: tang
vn truc tlep, phat hanh tral phleu chuyen dl, phat hanh c phleu uu dal c tuc thu hut cac dl tac trong va ngoal nuoc.
SD D 7D CHUC CHI NHANH NCN HANC LIN VI7
HDI SD
an Ciam dc chi nhanh
Phong khach hang
Phat trlen Klnh doanh
Khach hang Doanh nghlep
P. uan Iy 7n dung
Tham dnh Tal san
Quan ly tin dung
Phong 7ng hop
Ke hoach-Tng hop
Hanh chinh Nhan su
Khach hang Ca nhan
P. k toan Ngn quy
Ke toan - |T
Teller
Ngan quy
Tal tro Thuong mal
kim tra, kim soat ni b
SD D 7D CHUC PHDNC CIAD DJCH
PHDNC CIAD DJCH
TO K|NH DOANH TO G|AO D|CH NGN QU
49 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Bng cn i k ton ti ngy 31 thng 12 nm 2009 Mu B02/TCTD
(Ban hnh theo Quyt nh 16/2007/Q-NHNN
ngy 18 thng 4 nm 2007 ca
Thng c Ngn hng Nh nc Vit Nam)

Thuyt
minh
31/12/2009
Triu VN
31/12/2008
Triu VN

A TI SN

I Tin mt ti qu 3 39.566 34.767

II Tin gi ti Ngn hang Nha nc Vit Nam 4 209.856 139.508

III Tin gi v cho vay cc t chc tn dng khc 5 3.916.010 2.839.016
1 Tin gi 3.358.810 2.580.016
2 Tin cho vay 560.000 259.000
3 D phng ri ro cho vay cc t chc tn dng khc (2.800) -

IV Chng khon kinh doanh 6 1.450 14.566
1 Chng khon kinh doanh 1.450 22.238
2 D phng gim gi chng khon kinh doanh - (7.672)

VI Cho vay khch hng 5.394.435 2.409.732
1 Cho vay khch hng 7 5.423.254 2.414.752
2 D phng ri ro cho vay khch hng 8 (28.819) (5.020)

VII Chng khon u t 9 5.787.624 1.217.197
1 Chng khon u t sn sng bn 5.737.624 1.105.894
2 Chng khon u t gi n ngy o hn 50.000 111.303

VIII Gp vn u t di hn 10 6.330 2.480
4 u t di hn khc 6.330 2.480

IX Ti sn c nh 159.601 114.079
1 Ti sn c nh hu hnh 11 123.295 89.561
a Nguyn gi 141.094 93.328
b Gi tr hao mn ly k (17.799) (3.767)
3 Ti sn c nh v hnh 12 36.306 24.518
a Nguyn gi 42.246 25.782
b Gi tr hao mn ly k (5.940) (1.264)

XI Ti sn c khc 13 1.852.058 681.604
1 Cc khon phi thu 1.509.933 454.455
2 Cc khon li, ph phi thu 161.930 146.563
4 Ti sn c khc 180.195 80.586
TNG TI SN 17.366.930 7.452.949

51 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Bng cn i k ton ti ngy 31 thng 12 nm 2009
(tip theo)
Mu B02/TCTD

Cc thuyt minh nh km l b phn hp thnh cc bo co ti chnh ny

Thuyt
minh
31/12/2009
Triu VN
31/12/2008
Triu VN

B N PHI TR V VN CH S HU

N PHI TR

I Cc khon n Chnh ph v Ngn hng Nh nc Vit
Nam
14 1.275.681 -

II Tin gi v tin vay cc t chc tn dng khc 15 3.808.480 953.304
1 Tin gi 2.014.380 953.304
2 Tin vay 1.794.100 -

III Tin gi cua khach hang 16 7.302.477 2.847.453

V Vn ti tr, y thc u t, cho vay TCTD chu ri ro 17 35.000 -

VI Pht hnh giy t c gi 18 977.486 -

VII Cc khon n khc 19 139.616 205.604
1 Cc khon li, ph phi tr 84.264 34.758
3 Cc khon phi tr v cng n khc 53.791 170.800
4 D phng cho cc cam kt ngoi bng 1.561 46
TNG N PHI TR 13.538.740 4.006.361

VN CH S HU

VIII Vn v cc qu
1 Vn c phn 3.650.000 3.300.000
2 Cc qu 148.945 64.320
5 Li nhun cha phn phi 29.245 82.268
TNG VN CH S HU 20 3.828.190 3.446.588
TNG N PHI TR V VN CH S HU 17.366.930 7.452.949

53 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Bo co kt qu hot ng kinh doanh cho nm
kt thc ngy 31 thng 12 nm 2009 (tip theo)
Mu B03/TCTD


Thuyt
minh
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

1 Thu nhp lai va cac khoan thu nhp tng t 21 1.108.678 595.326
2 Chi phi lai va cac chi ph tng t 21 (452.177) (154.371)

I Thu nhp li thun 21 656.501 440.955

3 Thu nhp t hot ng dch v 22 16.552 1.921
4 Chi ph hot ng dch v 22 (6.164) (1.783)

II
Li thun t hot ng dch v 22 10.388 138

III Li thun t hot ng kinh doanh ngoi hi 23 22.804 1.119

IV Li/(l) t mua bn chng khon kinh doanh 24 5.693 (7.672)

V Li thun t mua bn chng khon u t 25 185.870 107.552

5 Thu nhp t hot ng khc 10.234 60.035
6 Chi ph hot ng khc (911) (2.520)

VI Li thun t hot ng khc 9.323 57.515

VII Thu nhp t gp vn, mua c phn 34 -

VIII Chi ph hot ng 26 (322.018) (150.953)

IX Li nhun thun t hot ng kinh doanh trc
chi ph d phng ri ro tn dng

568.595 448.654

X Chi ph d phng ri ro tn dng 5, 8, 19 (28.542) (5.066)

XI
Tng li nhun trc thu
540.053 443.588

7 Chi ph thu thu nhp hin hnh 27 - -

XII Tng chi ph thu thu nhp doanh nghip 27 - -

XIII Li nhun sau thu 540.053 443.588

55 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Bo co lu chuyn tin t cho nm kt thc ngy
31 thng 12 nm 2009
Mu B04/TCTD


Thuyt
minh
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

H N A O D H N I K G N T O H T N I T N Y U H C U L

01 Thu nhp lai va cac khoa 3 6 7 . 8 4 4 1 1 3 . 3 9 0 . 1 c n h n t g n t p h n u h t n
02 Chi phi lai va ca ) 3 1 6 . 9 1 1 ( ) 1 7 6 . 2 0 4 ( r t t g n t h p i h c c
03 T 8 3 1 8 8 3 . 0 1 c n h n v h c d g n t o h t g n r p h n u h
04 Chnh lch s tin thc thu t hot ng kinh doanh ngoi
t v chng khon

215.967 108.671
05 T 5 1 5 . 7 5 ) 7 7 3 ( c h k p h n u h
07 Tin chi tr chi nhn vin v hot ng ) 3 1 9 . 5 4 1 ( ) 7 9 2 . 3 0 3 ( v g n c , l n u q

Lu chuyn tin thun t hot ng kinh doanh trc nhng
thay i v ti sn v cng n hot ng
613.321 349.561

Thay i v ti sn hot ng
09 T ) 8 6 1 . 0 3 7 ( 8 6 1 . 5 9 c h k g n d n t c h c t c c y a v o h c v i g n i
) 5 3 4 . 9 3 2 . 1 ( ) 9 3 6 . 9 4 5 . 4 ( h n a o d h n i k n o h k g n h c v t u n o h k g n h C 0 1
12 Cc khon cho vay khch ) 2 5 7 . 4 1 4 . 2 ( ) 2 0 5 . 8 0 0 . 3 ( g n h
14 Ti sn hot ng khc (1.155.087) (535.041)

Thay i v cng n hot ng
15 Cc khon n Chnh ph - 1 8 6 . 5 7 2 . 1 m a N t i V N N H N v
16 T 4 0 3 . 3 5 9 6 7 1 . 5 5 8 . 2 c h k g n d n t c h c t c c y a v n i t v i g n i
17 Vn ti tr, y thc u t, - 0 0 0 . 5 3 o r i r u h c D T C T y a v o h c
18 Tin gi cua khach ha 3 5 4 . 7 4 8 . 2 4 2 0 . 5 5 4 . 4 g n
- 6 8 4 . 7 7 9 i g c t y i g h n h t h P 9 1
) 9 0 0 . 7 1 1 ( c h k g n t o h n g n C 1 2 170.800
- ) 1 5 9 . 5 7 ( u q c c t i h C 2 2

I LU CHUYN TIN THUN T HOT NG
KINH DOANH
1.400.668 (598.278)

LU CHUYN TIN T HOT NG U T

01 Mua sm ti sn c nh (64.313) (119.259)
02 T 0 4 1 0 7 h n c n s i t n b g n h n , l h n a h t t u h t n i
07 T ) 0 8 4 . 2 ( ) 0 5 8 . 3 ( c h k v n c c o v n v p g , t u i h c n i
09 Tin thu c tc v li nhun c chia t cc khon
- 4 3 n h i d n v p g t u

) 9 9 5 . 1 2 1 ( ) 9 5 0 . 8 6 ( T U G N T O H T N U H T N I T N Y U H C U L I I
57 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Thuyt minh bo co ti chnh cho nm kt thc
ngy 31 thng 12 nm 2009 (tip theo)
Mu B05/TCTD
(Ban hnh theo Quyt nh 16/2007/Q-
NHNN ngy 18 thng 4 nm 2007 ca

Cac thuyt minh nay la b phn hp thanh va cn c oc ng thi vi cac bao cao tai chinh inh kem.
1. n v bo co
Hot ng chnh ca Ngn hng Thng mi C phn Lin Vit (Ngn hng), mt ngn hng c phn c
thnh lp ti nc Cng ha X hi Ch ngha Vit Nam, l cung cp cc dch v ngn hng theo Giy php
hot ng ngn hng s 91/GP-NHNN do Ngn hng Nh nc Vit Nam (NHNNVN) cp ngy 28 thng 3
nm 2008 vi thi hn hot ng l 99 nm.

Hi s chnh ca Ngn hng t ti 32 Nguyn Cng Tr, Th x V Thanh, Tnh Hu Giang, Vit Nam. Ti ngy
31 thng 12 nm 2009, Ngn hng c 1 Hi s chnh, 1 S giao dch, 8 Chi nhnh v 12 Phng giao dch trn
c nc.

Ti ngy 31 thng 12 nm 2009, Ngn hng c 784 nhn vin (31/12/2008: 562 nhn vin).
2. Tm tt cc chnh sch k ton ch yu
Sau y l nhng chnh sch k ton ch yu c Ngn hng p dng trong vic lp cc bo co ti chnh
ny.
Mu B05/TCTD

(a) C s lp bo co ti chnh
Cc bo co ti chnh, trnh by bng ng Vit Nam (VN) c lm trn n hng triu, c lp theo
Chun mc K ton Vit Nam, H thng K ton Vit Nam p dng cho cc T chc tn dng v cc quy nh
v k ton lin quan khc do Ngn hng Nh nc Vit Nam ban hnh v cc nguyn tc k ton ph bin
c Vit Nam chp thun, c th khc bit trn mt s kha cnh trng yu so vi cc Chun mc Bo co
Ti chnh Quc t cng nh cc nguyn tc v chun mc k ton c tha nhn chung cc quc gia
khc. Do , cc bo co ti chnh nh km khng nhm mc ch phn nh tnh hnh ti chnh, kt qu
hot ng kinh doanh v cc lung lu chuyn tin t theo cc nguyn tc v thng l k ton c tha
nhn chung cc nc v cc quyn ti phn khc ngoi phm vi Vit Nam. Hn na, vic s dng cc bo
co ny khng nhm dnh cho nhng i tng s dng khng c bit v cc nguyn tc, th tc v
thng l k ton Vit Nam.

Bo co ti chnh, ngoi tr bo co lu chuyn tin t, c lp trn c s dn tch theo nguyn tc gi gc.
Bo co lu chuyn tin t c lp theo phng php trc tip. Bo co lu chuyn tin t cho giai on t
ngy 28 thng 3 nm 2008 n ngy 31 thng 12 nm 2008 c lp theo phng php gin tip. Ngoi tr
thay i v phng php lp bo co lu chuyn tin t, Ngn hng p dng nht qun cc chnh sch k
ton trong nm v cng nht qun vi cc chnh sch k ton p dng trong k trc.
(b) Nm ti chnh
Nm ti chnh ca Ngn hng l t ngy 1 thng 1 n ngy 31 thng 12.
(c) Cc giao dch bng ngoi t
Cc khon mc ti sn v n phi tr c gc tin t khc vi VN c quy i sang VN theo t gi hi oi
ti ngy kt thc nin k ton. Cc giao dch bng cc n v tin t khc VN pht sinh trong nm c
quy i sang VN theo t gi hi oi xp x t gi hi oi quy nh ti ngy giao dch. Cc chnh lch t gi
hi oi thc hin trong nm v nh gi li cui nm c hch ton vo bo co kt qu hot ng
kinh doanh.

(d) Tin v cc khon tng ng tin
Tin v cc khon tng ng tin bao gm tin mt ti qu, tin gi ti NHNNVN v tin gi ti cc t chc
tn dng khc vi k hn gc khng qu 3 thng.

(e) Cc khon u t chng khon
Cc khon u t chng khon c phn loi thnh ba loi: (i) chng khon kinh doanh, (ii) chng khon
u t sn sng bn hoc (iii) chng khon u t gi n ngy o hn. Ngn hng phn loi chng
khon u t ngay ti thi im mua.
(i) Chng khon kinh doanh
Chng khon kinh doanh l chng khon n hoc chng khon vn, c mua v nm gi ngn hn nhm
thu li nhun do chnh lch gi. Chng khon kinh doanh c ghi nhn ban u theo gi gc ti ngy giao
dch. Sau , chng khon kinh doanh c ghi nhn theo gi tr thp hn gia gi gc v gi th trng. Li
hoc l t vic bn chng khon kinh doanh c ghi nhn trn bo co kt qu hot ng kinh doanh.
59 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

(ii) Chng khon u t sn sng bn
Chng khon u t sn sng bn l cc chng khon n hoc chng khon vn c gi trong thi gian
khng n nh trc v c th c bn trong mi thi im. Chng khon u t sn sng bn c ghi
nhn ban u theo gi mua. Sau , chng khon u t sn sng bn c ghi nhn theo gi tr thp
hn gia gi gc v gi th trng. Gi tr ph tri v gi tr chit khu pht sinh t vic mua bn cc chng
khon n c phn b vo bo co kt qu hot ng kinh doanh theo phng php ng thng tnh t
ngy mua chng khon n ngy o hn ca chng khon .
(iii) Chng khon u t gi n ngy o hn
Chng khon u t gi n ngy o hn l chng khon n c k hn c nh v cc khon thanh ton c
nh hoc c th xc nh c, v ban lnh o Ngn hng c nh v c kh nng gi n ngy o hn.
Chng khon u t gi n ngy o hn c ghi nhn theo gi gc sau nu c du hiu suy gim gi
tr lu di, chng khon u t gi n ngy o hn c ghi nhn theo gi tr thp hn gia gi gc v gi
th trng. Gi tr ph tri v gi tr chit khu pht sinh t vic mua cc chng khon u t gi n ngy
o hn c phn b vo bo co kt qu hot ng kinh doanh theo phng php ng thng tnh t
ngy mua chng khon n ngy o hn ca chng khon .
(f) Cc khon u t di hn khc
Cc khon u t di hn khc bao gm chng khon vn, cc khon gp vn u t di hn khc c thi
hn nm gi, thu hi hoc thanh ton trn 1 nm (ngoi cc khon gp vn, u t vo cng ty lin doanh,
lin kt v cng ty con) m Ngn hng l c ng sng lp hoc l i tc chin lc hoc c kh nng chi
phi nht nh vo qu trnh lp, quyt nh cc chnh sch ti chnh v hot ng thng qua vn bn tha
thun c nhn s tham gia Hi ng Qun tr/Ban iu hnh ca bn c u t.

Cc khon u t di hn khc c ghi nhn theo gi gc tr i s d phng c trch lp theo Thng t
13/2006/TT-BTC (xem Thuyt minh 2(g)).

(g) D phng gim gi chng khon u t v u t di hn
Theo Thng t 12/2006/TT-BTC do B Ti chnh (BTC) ban hnh ngy 21 thng 2 nm 2006, cc t chc tn
dng cn lp d phng ri ro cho cc khon u t di hn (bao gm d phng gim gi chng khon u
t) theo cc quy nh p dng cho cc doanh nghip.

Theo thng t 13/2006/TT-BTC do B Ti Chnh ban hnh ngy 27 thng 2 nm 2006 p dng cho cc doanh
nghip ti Vit Nam (Thng t 13), cc chng khon khng c php mua bn t do trn th trng
khng c lp d phng gim gi. D phng gim gi cho cc chng khon c mua bn t do trn th
trng c lp khi gi tr th trng thp hn gi tr ghi nhn trn s sch. D phng gim gi cho cc
khon u t vo cc t chc kinh t (cc cng ty trch nhim hu hn, cng ty c phn, hp danh, lin
doanh v cc u t di hn khc) phi c lp trong trng hp cc t chc kinh t ny gp thua l (ngoi
tr trng hp l c d bo trc trong k hoch kinh doanh trc khi u t).

(h) Cc khon cho vay v ng trc
Theo Quyt inh s 493/2005/Q-NHNN cua NHNNVN ngay 22 thang 4 nm 2005, c sa i v b sung
bng Quyt nh s 18/2007/Q-NHNN ngy 25 thng 4 nm 2007 ca NHNNVN, d phng c th cn c
lp hng qu cho cc khon cho vay v ng trc da trn nhm n ca cac khoan cho vay.
Mu B05/TCTD

D phong c th cc khon cho vay v ng trc ti ngy kt thc nin k ton (l ngy 31 thng 12 nm
2009) c xc nh da trn vic s dng cc t l d phng sau y i vi khon n vay gc tai ngay 30
thng 11 nm 2009 sau khi tr i gi tr ti sn th chp c nh gi.

Nhm Tnh trng qu hn
T l
d phng
1
N u
tiu
chun
x Khon vay trong han hoc qu hn di 10 ngy 0%
2
N cn
chu y
x Qua han t 10 ngy n 90 ngy; hoc
x c c cu li thi hn tr n ln th nht (nu khch hng
c nh gi l kh nng hon tr c gc ln li theo thi
hn c c cu li ln th nht p dng i vi cc khch
hng l doanh nghip v t chc)..
5%
3
N di
tiu
chun
x Qu hn t 91 ngy n 180 ngy;
x c c cu li thi hn tr n ln th nht ngoi tr cc khon
cho vay c thi hn tr n c c cu li c phn loi vo
Nhm 2 trn; hoc
x Cc khon cho vay c min, gim tin li do khch hng khng
c kh nng thanh ton tin li theo hp ng
20%
4
N nghi
ng
x Qu hn t 181 ngy n 360 ngy;
x c c cu li thi hn tr n ln th nht v qu hn di 90
ngy tnh theo thi hn tr n c c cu li ln th nht;
hoc
x c c cu li thi hn tr n ln th hai.
50%
5
N c kh
nng mt
vn
x Qu hn trn 360 ngy;
x c c cu li thi hn tr n ln th nht v qu hn t 90
ngy tr ln tnh theo thi hn tr n c c cu li ln th
nht;
x c c cu li thi hn tr n ln th hai v b qu hn tnh
theo thi hn tr n c c cu li ln th hai
x c c cu li thi hn tr n ln th ba; hoc
x Cc khon n khoanh, hay n ch x l.
100%

Ngoi ra, Ngn hng cung phai trich lp va duy tri khoan d phong chung bng 0,75% tng gi tr s d n
cho vay khch hng v cc t chc tn dng c phn loai t Nhom 1 n Nhom 4 ti ngy lp bng cn i
k ton. Khon d phong chung nay s c lp trong vng 5 nm k t ngay Quyt inh s
493/2005/Q-NHNN c hiu lc. Ti ngy lp bng cn i k ton, Ngn hng trch lp d phng chung
mc 0,5% cc s d ni trn ti ngy 30 thng 11 nm 2009 (ngy 31 thng 12 nm 2008: 0,25% cc s d ni
trn ti ngy 30 thng 11 nm 2008).

Cng theo Quyt inh nay, cac khoan cho vay khch hng c x l bng d phng khi cac khoan cho vay
khch hng a c phn loai vo Nhom 5 hoc khi ngi vay tuyn b ph sn hoc gii th (i vi trng
hp khch hng vay l t chc hoc doanh nghip), hoc khi ngi vay cht hoc mt tch (i vi trng
hp khch hng vay l c nhn).
(i) D phng cho cc cam kt ngoi bng
Theo Quyt nh 18/2007/Q-NHNN, Ngn hng c yu cu phi phn loi cc bo lnh, chp nhn thanh
ton v cc cam kt cho vay khng hy ngang v iu kin vo cc nhm lin quan v lp d phng c th
tng ng.
61 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

Ngoi ra, theo Quyt nh 493/2005/Q-NHNN, Ngn hng cung c yu cu phai trich lp va duy tri khoan
d phong chung bng 0,75% tng s d cc th bo lnh, th tn dng v cc cam kt cho vay khng hy
ngang v iu kin ti ngy lp bng cn i k ton. Khon d phong chung nay s c lp trong vng
5 nm k t ngay Quyt inh 493/2005/Q-NHNN c hiu lc. Ti ngy lp bng cn i k ton, Ngn hng
trch lp d phng chung mc 0,5% cc s d ni trn ti ngy 30 thng 11 nm 2009 (ngy 31 thng 12
nm 2008: 0,25% cc s d ni trn ti ngy 30 thng 11 nm 2008).

(j) Ti sn c nh hu hnh
(i) Nguyn gi
Ti sn c nh hu hnh c th hin theo nguyn gi tr i khu hao ly k. Nguyn gi ban u ca ti
sn c nh hu hnh gm gi mua ca ti sn, bao gm c thu nhp khu, cc loi thu u vo khng
c hon li v chi ph lin quan trc tip n vic a ti sn vo trng thi v v tr hot ng cho mc
ch s dng d kin v chi ph tho d v di di ti sn v khi phc hin trng ti a im t ti sn.
Cc chi ph pht sinh sau khi ti sn c nh hu hnh i vo hot ng nh chi ph sa cha, bo dng
v i tu c hch ton vo bo co kt qu hot ng kinh doanh ca nm pht sinh chi ph. Trng hp
c th chng minh mt cch r rng cc chi ph ny lm tng li ch kinh t trong tng lai d tnh thu c
t vic s dng ti sn c nh hu hnh vt trn mc hot ng tiu chun c nh gi ban u, th
cc chi ph ny c vn ha nh mt khon nguyn gi tng thm ca ti sn c nh hu hnh.
(ii) Khu hao
Khu hao c tnh theo phng php ng thng da trn thi gian hu dng c tnh ca ti sn c
nh hu hnh. Thi gian hu dng c tnh nh sau:

x nh ca v chi ph ci to 25 nm
x thit b vn phng 4 - 7 nm
x phng tin vn chuyn 10 nm
x cc ti sn hu hnh khc 3 - 5 nm
(k) Ti sn c nh v hnh

(i) Phn mm vi tnh

Gi mua phn mm vi tnh mi, m phn mm vi tnh ny khng phi l mt b phn khng th tch ri ca
phn cng c lin quan th c vn ha v c hch ton nh mt ti sn c nh v hnh. Phn mm vi
tnh c phn b theo phng php ng thng trong vng 8 nm.

(ii) Quyn s dng t v thi hn

Quyn s dng t v thi hn c phn nh theo nguyn gi v khng c khu hao. Nguyn gi ban
u ca quyn s dng t bao gm gi mua t v cc chi ph pht sinh m bo quyn s dng t.

(l) Chi ph ch phn b
Cc chi ph ci to tr s c vn ha v phn b theo phng php ng thng trong khong thi gian
t 3 n 10 nm.
Mu B05/TCTD

(m) 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 ti ngy c
hiu lc ca hp ng v c nh gi li theo t gi hi oi cui k. Li hoc l thc hin t cc cng c
ti chnh phi sinh c ghi nhn trong bo co kt qu hot ng kinh doanh ring. Li hoc l cha thc
hin c ghi nhn trong ti khon chnh lch t gi hi oi trn bng cn i k ton v c kt chuyn
vo bo co kt qu hot ng kinh doanh ring ti thi im cui nm.

(n) D phng
D phng, ngoi tr cc khon d phng ti Thuyt minh 2(i) v 2(p) c ghi nhn khi, do kt qu ca mt
s kin trong qu kh, Ngn hng c mt ngha v php l hoc lin i m c th c c tnh mt cch
tin cy v c nhiu kh nng Ngn hng phi s dng cc li ch kinh t trong tng lai thanh ton ngha
v . D phng c xc nh bng cch chit khu cc lung tin d tnh trong tng lai theo t l trc
thu phn nh c cc nh gi ca th trng hin ti v gi tr thi gian ca ng tin v nhng ri ro
gn lin vi khon n phi tr .
(o) Cc khon phi tr khc
Cc khon phi tr khc c phn nh theo gi gc.
(p) D phng tr cp thi vic
Theo B lut Lao ng Vit Nam, khi nhn vin lm vic cho Ngn hng t 12 thng tr ln (nhn vin
iu kin) t nguyn chm dt hp ng lao ng ca mnh th bn s dng lao ng phi thanh ton tin
tr cp thi vic cho nhn vin tnh da trn s nm lm vic v mc lng ti thi im thi vic ca
nhn vin . D phng tr cp thi vic c lp trn c s mc lng hin ti ca nhn vin v thi gian
h lm vic cho Ngn hng.

Theo Lut Bo him X hi, k t ngy 1 thng 1 nm 2009, Ngn hng v cc nhn vin phi ng vo qu
bo him tht nghip do Bo him X hi Vit Nam qun l. Mc ng bi mi bn c tnh bng 1% ca
mc thp hn gia lng c bn ca nhn vin hoc 20 ln mc lng ti thiu chung c Chnh ph quy
nh trong tng thi k. Vi vic p dng ch bo him tht nghip, Ngn hng khng phi lp d phng
tr cp thi vic cho thi gian lm vic ca nhn vin sau ngy 1 thng 1 nm 2009. Tuy nhin, tr cp thi
vic phi tr cho cc nhn vin iu kin hin c ti thi im 31 thng 12 nm 2008 s c xc nh
da trn s nm lm vic ca nhn vin c tnh n 31 thng 12 nm 2008 v mc lng bnh qun ca
h trong vng su thng trc thi im thi vic.
(q) Vn c phn

C phiu ph thng
C phiu ph thng c phn loi l vn ch s hu. Cc chi ph tng thm c phn b trc tip vo gi
pht hnh c phiu ph thng c ghi nhn l mt khon gim tr t vn ch s hu.

(r) Cc qu v d tr
Theo Ngh nh s 146/2005/N-CP do Chnh ph ban hnh ngy 23 thng 11 nm 2005, trc khi phn
phi li nhun, Ngn hng phi lp cc qu sau:
Phn phi hng nm S d ti a

Qu d tr b sung vn c phn 5% li nhun sau thu Vn c phn
Qu d phng ti chnh 10% li nhun cn li sau thu 25% vn c phn

Qu d phng ti chnh c dng b p cho cc khon l pht sinh trong qu trnh kinh doanh. Qu
d phng ti chnh cng vi qu d tr b sung vn c phn khng c phn chia.
63 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

Qu khen thng v phc li c phn b t li nhun sau thu theo quyt nh ca Hi ng Qun tr v
c dng ch yu chi tr cho cc cn b cng nhn vin Ngn hng. Cc qu ny khng c quy nh
bi lut php v c php phn phi ht.

Cc qu khc thuc ngun vn ch s hu c phn b t li nhun sau thu. Vic phn b t li nhun
sau thu v vic s dng cc qu khc phi c Hi ng Qun tr ph duyt. Cc qu ny khng c quy
nh bi lut php v c php phn phi ht.
(s) Ghi nhn doanh thu
(i) Thu nhp li
Thu nhp li c ghi nhn trong bao cao kt qua hoat ng kinh doanh ring trn c s dn tich, ngoi tr
tin li t cc khon cho vay c phn loi t Nhm 2 n Nhm 5 nu trong Thuyt minh 2(h) c ghi
nhn khi Ngn hng thc s thu c.
(ii) Thu nhp t ph v hoa hng
Thu nhp t ph v hoa hng c ghi nhn trong bo co kt qu hot ng kinh doanh trn c s dn
tch.
(iii) Thu nhp t c tc
Thu nhp t c tc bng tin c ghi nhn trong bo co kt qu hot ng kinh doanh ring khi quyn
nhn c tc ca Ngn hng c thit lp.

C tc nhn di dng c phiu, c phiu thng v quyn mua c phiu ca c ng hin hu, c tc nhn
c bi Ngn hng di dng c phiu c chia t li nhun li c ghi nhn tng gi tr ca khon
u t v ghi vo thu nhp trn bo co kt qu hot ng kinh doanh.
(t) Chi ph li
Chi ph li c ghi nhn ti bo co kt qu hot ng kinh doanh theo c s dn tch.
(u) Cc khon thanh ton cho thu hot ng
Cc khon thanh ton cho thu hot ng c ghi nhn vo bo co kt qu hot ng kinh doanh theo
phng php ng thng da trn thi hn ca hp ng thu. Cc khon hoa hng i thu nhn c
ghi nhn trn bo co kt qu hot ng kinh doanh nh mt b phn hp thnh ca tng chi ph thu.
(v) Thu
Thu thu nhp doanh nghip trn s li hoc l trong nm bao gm thu thu nhp hin hnh v thu thu nhp
hon li. Thu thu nhp doanh nghip c ghi nhn trong bo co kt qu hot ng kinh doanh ngoi tr
trng hp khon thu thu nhp pht sinh lin quan n cc khon mc c ghi nhn thng vo vn ch s
hu, khi khon thu thu nhp ny cng c ghi nhn thng vo vn ch s hu.

Thu thu nhp hin hnh l khon thu d kin phi np da trn thu nhp chu thu trong k, s dng cc
mc thu sut c hiu lc hoc c bn c hiu lc ti ngy kt thc nin k ton, v cc khon iu chnh
thu phi np lin quan n nm trc.

Thu thu nhp hon li c tnh theo phng php bng cn i k ton cho cc chnh lch tm thi gia gi
tr ghi s ca cc khon mc ti sn v n phi tr cho mc ch bo co ti chnh v gi tr xc nh theo mc
ch thu. Gi tr ca thu thu nhp hon li c ghi nhn da trn cch thc thu hi hoc thanh ton d kin
i vi gi tr ghi s ca cc khon mc ti sn v n phi tr, s dng cc mc thu sut c hiu lc hoc c
bn c hiu lc ti ngy kt thc nin k ton.

Ti sn thu thu nhp hon li ch c ghi nhn tng ng vi mc li nhun chu thu chc chn trong
65 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

tng lai m li nhun c th dng khu tr vi ti sn thu thu nhp ny. Ti sn thu thu nhp hon
li c ghi gim khi khng cn chc chn thu c cc li ch v thu lin quan ny.

(w) Li c bn trn c phiu
Ngn hng trnh by li c bn trn c phiu cho cc c phiu ph thng. Li c bn trn c phiu c tnh
bng cch ly li hoc l thuc v c ng ph thng ca Ngn hng chia cho s lng c phiu ph thng
bnh qun gia quyn lu hnh trong nm.
(x) Cc bn lin quan
Cc bn c coi l lin quan nu mt bn c kh nng, trc tip hoc gin tip, kim sot bn kia hoc c
nhng nh hng ng k i vi bn kia trong vic a ra cc quyt nh v ti chnh hoc hot ng. Cc
bn cng c coi l lin quan nu chu s kim sot chung, hoc cng chu nh hng ng k chung.
(y) Cc ch tiu ngoi bng cn i k ton
(i) Cc hp ng ngoi hi
Ngn hng k kt cc hp ng ngoi hi k hn v hon i nhm to iu kin cho khch hng chuyn, iu
chnh hoc gim ri ro hi oi hoc cc ri ro th trng khc ng thi phc v mc ch kinh doanh ca
Ngn hng.

Cc hp ng k hn l cc cam kt mua hoc bn mt loi tin t nht nh ti mt ngy c th c xc
nh trong tng lai theo mt t gi xc nh trc v s c thanh ton bng tin. Cc hp ng k hn c
ghi nhn theo gi tr danh ngha vo ngy kt thc nin k ton ti ngy giao dch v c nh gi li theo
t gi hi oi ti thi im cui nm. Li hoc l hoc cha thc hin c ghi nhn vo bo co kt qu
hot ng kinh doanh.

Cc hp ng hon i l cc cam kt thanh ton bng tin mt ti mt ngy trong tng lai da trn
chnh lch gia cc t gi c xc nh trc, c tnh trn s tin gc danh ngha.
(ii) Cc cam kt v n tim n
Ti bt c thi im no Ngn hng cng c cc cam kt cp tn dng cha thc hin. Cc cam kt ny
di dng cc khon cho vay v thu chi c ph duyt. Ngn hng cng cung cp cc bo lnh ti
chnh v th tn dng bo lnh vic thc hin hp ng ca khch hng i vi bn th ba. Nhiu khon
cam kt v n tim n s o hn m khng pht sinh bt k mt phn hay ton b mt khon tm ng no.
Do cc khon cam kt v n tim n ny khng phn nh lung lu chuyn tin t d kin trong tng
lai.

3. Tin mt ti qu

31/12/2009
Triu VN
31/12/2008
Triu VN

Tin mt ti qu bng VN 28.955 26.977
Tin mt ti qu bng ngoi t 10.611 7.790
39.566 34.767

4. Tin gi ti Ngn hang Nha nc Vit Nam
Tin gi ti NHNNVN bao gm qu d tr bt buc v ti khon tin gi thanh ton.

Theo quy nh ca NHNNVN v d tr bt buc, cc ngn hng c php duy tr mt s d th ni ti ti
Mu B05/TCTD

khon d tr bt buc. S d bnh qun d tr bt buc hng thng phi khng c thp hn 7% (tai ngay
31 thang 12 nm 2008: 7%) i vi s d tin gi bnh qun thng trc bng ngoi t vi k hn di 12
thng; 3% (tai ngay 31 thang 12 nm 2008: 3%) i vi s d tin gi bnh qun thng trc bng ngoi t
vi k hn t 12 thng tr ln; 3% (tai ngay 31 thang 12 nm 2008: 6%) i vi s d tin gi bnh qun thng
trc bng VN vi k hn di 12 thng; v 1% (tai ngay 31 thang 12 nm 2008: 2%) i vi s d tin gi
bnh qun thng trc bng VN vi k hn t 12 thng tr ln, c s dng lm c s tnh d qu d
tr bt buc.

31/12/2009
Triu VN
31/12/2008
Triu VN

Ti khon tin gi thanh ton v qu d tr bt buc 209.856 139.508

5. Tin gi v tin cho vay cc t chc tn dng khc
31/12/2009
Triu VN
31/12/2008
Triu VN

Tin gi khng ky han
Tin gi khng k hn bng VN 23.520 11.466
Tin gi khng k hn bng ngoi t 242.939 6.675

Tin gi c k hn
Tin gi c k hn bng VN 2.895.000 1.891.000
Tin gi c k hn bng ngoi t 197.351 670.875

Cc khon cho vay
Cc khon cho vay cc t chc tn dng bng VN 560.000 259.000

3.918.810 2.839.016
D phng ri ro cho vay cc t chc tn dng (i) (2.800) -

3.916.010 2.839.016

(i) Bin ng d phng chung cho cc khon cho vay cc t chc tn dng nh sau:

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

D phng trch lp trong nm/k v s d cui nm/k 2.800 -

67 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

6. Chng khon kinh doanh
31/12/2009
Triu VN
31/12/2008
Triu VN
Chng khon vn
C phiu do cc t chc tn dng pht hnh - 5.021
C phiu do cc t chc kinh t pht hnh 1.357 17.217
Cc khon u t y thc do Cng ty Qun l Qu Vit Ct
qun l (i) 93 -

1.450 22.238
D phng gim gi chng khon kinh doanh (ii) - (7.672)

1.450
14.566

(i) Chng khon do Cng ty C phn Qun l Qu Vit Ct (VFFC) nm gi thuc Hp ng Qun l y
thc u t (Hp ng), VFFC qun l danh mc u t cho Ngn hng trong vng mt nm t ngy
28 thng 4 nm 2009. Li nhun thu c t danh mc u t y thc ny s c tr cho Ngn hng
vo ngy kt thc Hp ng hoc theo yu cu ca Ngn hng.

(ii) Bin ng d phng gim gi chng khon kinh doanh nh sau:

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN
S d u nm/k 7.672 -
D phng lp trong nm/k 1.600 7.672
Hon nhp d phng trong nm/k (9.272) -

S d cui nm/k
- 7.672

Tnh trng nim yt ca cc chng khon nh sau:
31/10/2009
Triu VN
31/12/2008
Triu VN
Chng khon vn
nim yt:
- Do Ngn hng nm gi 1.357 22.238
- Do VFFC qun l 93 -
1.450 22.238
Mu B05/TCTD

7. Cc khon cho vay khch hng
31/12/2009
Triu VN
31/12/2008
Triu VN

Cc khon cho vay cc t chc kinh t v c nhn 5.110.868 2.414.752
Chit khu hi phiu 312.386 -

5.423.254 2.414.752

Phn tch cht lng n cho vay theo nhm n nh sau:
31/12/2009
Triu VN
31/12/2008
Triu VN

N tiu chun 5.333.818 2.407.637
N cn ch 73.983 7.115
N di tiu chun 13.447 -
N nghi ng 440 -
N c kh nng mt vn 1.566 -

5.423.254 2.414.752

Phn tch d n cho vay theo thi hn nh sau:
31/12/2009
Triu VN
31/12/2008
Triu VN

Ngn hn 4.057.904 2.232.479
Trung hn 1.304.916 163.698
Di hn 60.434 18.575

5.423.254 2.414.752

Phn tch d n cho vay theo ngnh kinh t nh sau:

31/12/2009
Triu VN
31/12/2008
Triu VN

Nng nghip v lm nghip 9.691 58.343
Thng mi, sn xut v ch bin 2.414.462 1.231.486
Xy dng 687.130 72.399
Kho bi, vn ti v thng tin lin lc 51.439 52.849
C nhn v cc ngnh ngh khc 2.260.532 999.675

5.423.254

2.414.752
69 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

Phn tch d n cho vay theo i tng khch hng v theo loi hnh doanh nghip nh sau:

31/12/2009
Triu VN
31/12/2008
Triu VN

Doanh nghip nh nc 396.091 159.379
Cng ty trch nhim hu hn 1.156.777 496.639
Doanh nghip c vn u t nc ngoi 4.861 5.000
Cng ty c phn 2.410.754 1.273.385
C nhn v cc i tng khch hng khc 1.454.771 480.349

5.423.254

2.414.752

8. D phng ri ro cc khon cho vay khch hng
D phng ri ro cho vay khch hng bao gm:

31/12/2009
Triu VN
31/12/2008
Triu VN

D phng chung 28.054 4.648
D phng c th 765 372

28.819 5.020

Bin ng d phng chung cho cc khon cho vay khch hng nh sau:
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

S d u nm/k 4.648 -
D phng trch lp trong nm/k 23.406 4.648

S d cui nm/k 28.054 4.648

Mu B05/TCTD

Bin ng d phng c th cc khon cho vay khch hng nh sau:

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

S d u nm/k 372 -
Trch lp d phng trong nm/k 821 372
Hon nhp d phng trong nm/k (428) -

S d cui nm/k 765 372

9. Chng khon u t
31/12/2009
Triu VN
31/12/2008
Triu VN
Chng khon u t sn sng bn
Chng khon n
Tri phiu/ Tn phiu Chnh ph 1.399.424 1.014.307
Tri phiu do cc t chc tn dng pht hnh 3.688.200 -
Tri phiu do cc t chc kinh t pht hnh 650.000 91.587

5.737.624 1.105.894
Chng khon u t gi n ngy o hn

Chng khon n
Tri phiu Chnh ph - 111.303
Tn phiu do cc t chc tn dng pht hnh 50.000 -

5.787.624 1.217.197

5.787.624 1.217.197

71 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

10. Gp vn, u t di hn
Chi tit cc khon u t di hn khc nh sau:

Ti ngy 31 thng 12 nm 2009
Tng vn iu l
ca t chc c
u t
Mnh gi ca
cc khon
u t
Gi gc ca
cc khon u
t
Triu
VN
Triu
VN
T l
nm gi
(%)
Triu
VN
Cng ty C phn H Long 2.256 248 11% 2.480
Cng ty Chng khon Viettranimex 125.000 3.345 3% 3.850

127.256 3.593 6.330

Ti ngy 31 thng 12 nm 2008
Tng vn iu l
ca t chc c
u t
Mnh gi ca
cc khon
u t
Gi gc ca
cc khon u
t
Triu
VN
Triu
VN
T l
nm gi
(%)
Triu
VN
Cng ty C phn H Long 2.256 248 11% 2.480
11. Ti sn c nh hu hnh

Tr s v chi ph
ci to
tr s
Thit b
vn phng

Phng tin
vn chuyn
Ti sn khc

Tng cng

Triu VN Triu VN Triu VN Triu VN Triu VN
Nguyn gi
S d u nm 26.101 32.277 33.635 1.315 93.328
Tng trong nm 8.094 12.130 23.636 3.989 47.849
Thanh l - (83) - - (83)

S d cui nm 34.195 44.324 57.271 5.304 141.094
Gi tr hao mn ly k

S d u nm 745 1.860 1.114 48 3.767
Khu hao trong nm 1.535 4.908 6.357 1.245 14.045
Thanh l - (13) - - (13)

S d cui nm 2.280 6.755 7.471 1.293 17.799
Gi tr cn li

S d u nm
25.356 30.417 32.521 1.267 89.561
S d cui nm 31.915 37.569 49.800 4.011 123.295
Mu B05/TCTD

12. Ti sn c nh v hnh

Phn mm
vi tnh
Quyn s dng
t v thi hn
Tng cng
Triu VN Triu VN Triu VN
Nguyn gi

2 8 7 . 5 2 - 2 8 7 . 5 2 m n u d S
T 4 6 4 . 6 1 2 6 0 . 3 1 2 0 4 . 3 m n g n o r t g n

6 4 2 . 2 4 2 6 0 . 3 1 4 8 1 . 9 2 m n i u c d S
Gi tr hao mn ly k

4 6 2 . 1 - 4 6 2 . 1 m n u d S
6 7 6 . 4 - 6 7 6 . 4 m n g n o r t o a h u h K

0 4 9 . 5 - 0 4 9 . 5 m n i u c d S
Gi tr cn li

S d u nm 24.518 - 24.518
S d cui nm 23.244 13.062 36.306

13. Ti sn c khc

31/12/2009
Triu VN
31/12/2008
Triu VN

3 6 5 . 6 4 1 0 3 9 . 1 6 1 u h t d i L
T 9 1 2 9 6 9 . 8 1 c n h N h c s n g N o h c g n m
Tm ng 7 2 4 . 6 4 - g n t u i b n o h k c c o h c n o t h n a h t
T 4 1 4 . 3 2 4 9 8 0 . 6 4 4 . 1 h n c n s i t a u m g n m
Tm ng cho hot ng xy dng phc v mc ch
biu tng

35.573

-
8 9 7 . 0 5 8 8 0 . 7 7 i l n o h h p i h C
Cng c ti sn phi sinh v c 7 6 6 1 2 4 c h k h n h c i t n s i t c
T 6 1 5 . 3 1 8 8 9 . 1 1 1 c h k n s i

1.852.058 681.604

14. Cc khon n Chnh ph v Ngn hng Nh nc Vit Nam
y l cc khon vay t Ngn hng Nh nc Vit Nam theo cc tha thun bn v mua li tri phiu Chnh
ph (Thuyt minh 9). Cc khon vay ny c k hn 14 ngy v c li sut nm l 8%.

73 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

31/12/2009
Triu VN
31/12/2008
Triu VN

n h k g n h k i g n i T
N V g n b n h k g n h k i g n i T 57.187 11.477
t i o g n g n b n h k g n h k i g n i T
68.794 19

n h k c i g n i T

T 0 0 2 . 3 5 6 0 0 0 . 0 5 5 N V g n b n h k c i g n i
Tin gi c k hn bng ngoi t 1.338.399 288.608
4 0 3 . 3 5 9 0 8 3 . 4 1 0 . 2
Tin vay
t i o g n g n b y a v n i T 1.794.100 -

0 8 4 . 8 0 8 . 3 g n c g n T
953.304

16. Tin gi cua khach hang
31/12/2009
Triu VN
31/12/2008
Triu VN

Tin gi khng ky ha n
T 5 7 2 . 7 1 1 . 1 0 6 7 . 5 6 1 . 3 N V g n b n h k g n h k i g n i
T 9 3 9 . 8 1 6 8 8 . 7 5 1 t i o g n g n b n h k g n h k i g n i

n h k c i g n i T
T 8 6 3 . 4 5 2 . 1 1 9 6 . 5 9 2 . 3 N V g n b n h k c i g n i
T 0 1 1 . 0 4 4 4 7 1 . 0 1 5 t i o g n g n b n h k c i g n i

u q k i g n i T
T 5 8 1 . 6 5 0 7 . 6 2 N V u q k i g n i
T 6 7 5 . 0 1 1 3 6 . 2 1 t i o g n g n b u q k i g n i

Tin gi cho mc ch c bit
T - 0 3 6 . 3 3 1 N V g n b t i b c h c c m o h c i g n i

3 5 4 . 7 4 8 . 2 7 7 4 . 2 0 3 . 7

15. Tin gi v tin vay t cc t chc tn dng khc
Mu B05/TCTD

Tin gi ca khch hng theo i tng khch hng nh sau:

31/12/2009
Triu VN
31/12/2008
Triu VN

Cc t chc kinh t 5.958.425 2.190.344
C nhn 1.344.052 657.109

7.302.477 2.847.453

17. Vn ti tr, y thc u t, cho vay TCTD chu ri ro
y l ngun vn c Cng ty C phn Bo him Vit Nam (PVI) y thc cho Ngn hng. Ngun vn c
y thc ny c k hn 12 thng bt u t ngy 16/10/2009 v chu li sut c nh l 9,5% mt nm.

18. Pht hnh giy t c gi
y l cc chng ch tin gi bng VN v USD, c k hn ch yu l 12 thng v chu li sut nm trong
khong t 8,4% n 11% i vi VN; v t 2,3% n 3,3% i vi USD.

19. Cc khon n khc
31/12/2009
Triu VN
31/12/2008
Triu VN

Li phi tr 84.264 34.758
Phi tr cn b, cng nhn vin 9.675 14.721
D phng tr cp thi vic 346 346
D phng thu phi np (i) 3.510 1.982
D phng cho cc cam kt ngoi bng (ii) 1.561 46
Tin t cc ca mt c ng tim nng mua c phiu ca
Ngn hng -

145.000
Cc khon phi tr khc 40.260 8.751

139.616 205.604

(i) D phng thu phi np

31/12/2009
Triu VN
31/12/2008
Triu VN

Thu gi tr gia tng 1.385 293
Cc loi thu khc 2.125 1.689

3.510 1.982
Mu B05/TCTD

(ii) D phng cho cc cam kt ngoi bng

Bin ng d phng chung cho cc cam kt ngoi bng nh sau:

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

S d u nm/k 46 -
Trch lp d phng trong nm/k 1.515 46

S d cui nm/k 1.561 46

75 Lin kt Phat trin
BAO CAO
THNG NIN
2009

T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

2
0
.
V
n

v
c

q
u
o

c
o

t
h
a
y

i

v
n

c
h
u

V
n

c

p
h
n
Q
u

p
h
n
g

t
i

c
h
n
h

Q
u

t
r

s
u
n
g

v
n

c

p
h
n

Q
u
k
h
e
n

t
h
n
g

Q
u

p
h
c

l
i

Q
u
u

t

p
h
t

t
r
i
n

L
i

n
h
u
n

c
h
a

p
h
n

p
h
i

T
n
g

c
n
g

T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
T
r
i
u

V
N
i

n
g
y

2
8

t
h
n
g

3

n
m

2
0
0
8

-

-

-

-

-

-

-

-

P
h
t

h
n
h

v
n

c

p
h
n

3
.
3
0
0
.
0
0
0
-
-
-
-
-
-
3
.
3
0
0
.
0
0
0

8
8
5
.
3
4
4
8
8
5
.
3
4
4
-
-
-
-
-
-

k

g
n
o
r
t

n
u
h
t

n
u
h
n

i
L T

-
)
0
2
3
.
4
6
(
-
-
-
9
7
1
.
2
2
1
4
1
.
2
4
-
u
q

c
c

p
l

h
c
r

)
0
0
0
.
7
9
2
(
)
0
0
0
.
7
9
2
(
-
-
-
-
-
-

c
C

S
i

n
g
y

1

t
h
n
g

1

n
m

2
0
0
9

3
.
3
0
0
.
0
0
0

4
2
.
1
4
1

2
2
.
1
7
9

-

-

-

8
2
.
2
6
8

3
.
4
4
6
.
5
8
8

P
h
t

h
n
h

v
n

c

p
h
n

3
5
0
.
0
0
0
-
-
-
-
-
-
3
5
0
.
0
0
0

3
5
0
.
0
4
5
3
5
0
.
0
4
5
-
-
-
-
-
-

m
n

g
n
o
r
t

n
u
h
t

n
u
h
n

i
L T
r
c
h

l
p

c
c

q
u
-

5
1
.
3
0
5
2
7
.
0
0
3
2
6
.
5
4
9
5
1
.
9
2
6
3
.
7
9
3
(
1
6
0
.
5
7
6
)
-

S
n
g

c
c

q
u
-

-
-
(
2
4
.
0
2
5
)
(
5
1
.
9
2
6
)
-
-
(
7
5
.
9
5
1
)

)
0
0
5
.
2
3
4
(
)
0
0
5
.
2
3
4
(
-
-
-
-
-
-

c
C

S
i
n
g
y
3
1
t
h
n
g
1
2
n
m
2
0
0
9

3
.
6
5
0
.
0
0
0

9
3
.
4
4
6

4
9
.
1
8
2

2
.
5
2
4

-

3
.
7
9
3

2
9
.
2
4
5

3
.
8
2
8
.
1
9
0

77 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

Vn c phn

8 0 0 2 / 2 1 / 1 3 9 0 0 2 / 2 1 / 1 3
S lng
c phiu Triu VN
S lng
c phiu Triu VN

Vn c phn c duyt 365.000.000 3.650.000 330.000.000 3.300.000

Vn c phn pht hnh
C phiu ph thng 365.000.000 3.650.000 330.000.000 3.300.000

C phiu ang lu hnh
C phiu ph thng 365.000.000 3.650.000 330.000.000 3.300.000

Mnh gi ca c phiu ph thng ca Ngn hng l 10.000 VN. Mi c phiu ph thng tng ng vi mt
phiu biu quyt ti cc cuc hp c ng ca Ngn hng. Cc c ng c nhn c tc m Ngn hng
cng b vo tng thi im. Tt c c phiu ph thng u c th t u tin nh nhau i vi ti sn cn li
ca Ngn hng.

C tc

Vo cc ngy 28 thng 3 nm 2009, ngy 6 thng 10 nm 2009 v ngy 15 thng 12 nm 2009, Hi ng
Qun tr Ngn hng quyt nh chi tr khon c tc ln lt l 231 t VN, 165 t VN v 36,5 t VN, tng
ng vi 700 VN, 500 VN v 100 VN trn mi c phn ph thng.
21. Thu nhp li thun
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

Thu nh p lai va cac khoan thu nhp tng t t
6 4 5 . 4 5 2 g n d n t c h c t c c y a v o h c v i g n i T

337.820
8 1 4 . 6 0 1 3 4 8 . 6 7 4 g n h h c h k o h c y a v o h C
8 8 0 . 1 5 1 9 8 2 . 7 7 3 n n o h k g n h c o v t u

1.108.678 595.326

Chi philai va cac chi ph tng t t
Cc khon tin gi ca khc ) 1 4 9 . 5 0 1 ( ) 9 3 4 . 4 5 3 ( g n h h
Cc khon vay t NHNNVN v cc t chc ( c h k g n d n t 79.615) (48.430)
- ) 3 2 1 . 8 1 ( i g c t y i g h n h t h P

(452.177) (154.371)
5 5 9 . 0 4 4 1 0 5 . 6 5 6 n u h t i l p h n u h T

Mu B05/TCTD

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

v h c d g n t o h t p h n u h T
1 1 9 6 7 2 . 6 h n l o b v h c D
7 6 7 7 1 0 . 5 u q n g n v n o t h n a h t v h c D
- 9 1 7 . 2 n v t v c h t y v h c D
3 4 2 0 4 5 . 2 c h k v h c D

16.552 1.921

Chi ph hot ng dch v
Dch v thanh ton v ngn qu (3.069) (865)
) 8 1 9 ( ) 5 9 0 . 3 ( c h k v h c D

(6.164) (1.783)
8 3 1 8 8 3 . 0 1 v h c d g n t o h t n u h t i L

23. Li thun t hot ng kinh doanh ngoi hi
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

Thu nhp t hot ng kinh doanh ngoi hi
T 7 6 6 . 2 4 6 2 . 0 3 y a g n o a i g t i o g n h n a o d h n i k
T 3 3 9 2 8 8 . 7 t n i t h n i s i h p c g n c c c

Chi ph hot ng kinh doanh ngoi hi
Chi v kinh doanh ngoi t giao ngay (7.470) (2.425)
) 6 5 ( ) 2 7 8 . 7 ( t n i t h n i s i h p c g n c c c v i h C

9 1 1 . 1 4 0 8 . 2 2

22. Li thun t hot ng dch v
79 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

- 3 9 2 . 7 h n a o d h n i k n o h k g n h c n b a u m t n u h t i L
) 2 7 6 . 7 ( ) 0 0 6 . 1 ( h n a o d h n i k n o h k g n h c i g m i g g n h p D

5.693 (7.672)

25. Li thun t mua bn chng khon u t
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

Li thun t mua bn chng khon u t 185.870 107.552

26. Chi ph hot ng
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

3 3 1 . 7 6 3 0 5 . 0 1 1 n a u q n i l h p i h c c c v g n L
4 8 8 . 8 3 4 7 . 2 1 i m n y u h k v h t p i t , n n i h p i h C
2 8 9 . 7 1 9 4 5 . 2 3 g n h p n v u h t h p i h C
9 5 9 . 9 1 2 7 . 8 1 h n c n s i t o a h u h K
Thu, l ph v ph 8 4 7 . 9 0 3 4 . 1 1
6 3 0 . 1 9 5 6 . 1 b t i h t v c g n d h p i h C
5 7 6 4 6 7 . 1 g n h t n i v , c l n i l n i t g n h t h p i h C
6 3 5 . 5 3 9 4 6 . 2 3 1 c h k g n t o h h p i h c c C

322.018 150.953

24. Li thun t mua bn chng khon kinh doanh
Mu B05/TCTD

27. Thu thu nhp
(a) i chiu thu sut thc t

2009 Giai on t
28/3/2008 n
31/12/2008
Triu VN Triu VN

Li nhun trc thu 540.053 443.588
Thu theo thu sut c p dng 20% 108.011 20% 88.717
nh hng ca vic c min thu (20%) (108.011)
(20%)
(88.717)

- -
(b) Thu sut p dng
Theo Cng vn s 379/CT-TT&HT ngy 19 thng 6 nm 2008 ca Cc Thu Tnh Hu Giang, Ngn hng c
ngha v np cho Nh nc thu thu nhp bng 20% trn li nhun tnh thu trong 10 nm u tnh t nm
hot ng u tin. Ngn hng c min thu thu nhp trong hai nm k t nm u tin c li nhun chu
thu v gim 50% thu thu nhp trong 6 nm tip theo. T nm hot ng th 11, Ngn hng phi np cho
Nh nc thu thu nhp doanh nghip theo mc thu sut quy nh ti thi im .

28. Li c bn trn c phiu
Li c bn trn c phiu
Vic tnh ton li c bn trn c phiu cho nm kt thc ngy 31 thng 12 nm 2009 c da trn li nhun
sau thu l 540.053 triu VN (Giai on t 28/3/2008 n 31/12/2008: 443.588 triu VN) v s lng c
phiu ph thng bnh qun gia quyn l 336.041.096 (Giai on t 28/3/2008 n 31/12/2008: 330.000.000
c phiu), c tnh ton nh sau:
(i) Li nhun sau thu

2009 Giai on t
28/3/2008 n
31/12/2008
Triu VN Triu VN

3 5 0 . 0 4 5 u h t u a s n u h n i L

443.588

81 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

2009 Giai on t
28/3/2008 n
31/12/2008

S c phiu ph thng pht hnh nm/k trc mang sang 330.000.000 330.000.000
nh hng ca s c phiu pht hnh trong nm/k 6.041.096 -

S lng bnh qun gia quyn ca c phiu ph thng
cho nm/k kt thc ngy 31 thng 12
336.041.096

330.000.000
(iii) Li c bn trn c phiu

2009 Giai on t
28/3/2008 n
31/12/2008
VN

VN
Li c bn trn c phiu
1.607

1.344

29. Tin v cc khon tng ng tin
31/12/2009
Triu VN
31/12/2008
Triu VN

Tin mt tai quy 7 6 7 . 4 3 6 6 5 . 9 3
Tin gi ti Ngn hang Nha nc Vi 8 0 5 . 9 3 1 6 5 8 . 9 0 2 m a N t
Tin gi tai cac t chc tn dng khc vi k hn gc
8 4 8 . 8 0 1 . 2 0 1 8 . 3 8 2 . 3 g n h t 3 u q g n h k
3.533.232 2.283.123

Bao gm trong tin v cc khon tng ng tin c tin v cc khon tng ng tin bng cc ngoi t
khc VN tr gi tng ng 454.606 triu VN (31 thng 12 nm 2008: 603.608 triu VN).

30. Cc giao dch ch yu vi cc bn lin quan
Trong qu trnh hot ng kinh doanh, Ngn hng c thc hin cc giao dch vi cc bn lin quan (cc c
ng, cc cng ty c Ngn hng u t vn, cc thnh vin Hi ng Qun tr v cc nhn vin ca Ngn
hng, gia nh h v cc cng ty do h lm ch) l khch hng ca Ngn hng trong nm. Cc iu khon
ca nhng giao dch ny do ban lnh o Ngn hng ph duyt.

(ii) S c phiu ph thng bnh qun gia quyn
Mu B05/TCTD

Tin gi khng k hn ti Ngn hng
7 0 4 . 7 3 9 9 . 6 1 m a L m i H n h p C y t g n C
T 1 2 6 . 3 1 5 9 5 . 1 n G i S a r t a S i m g n h T y t g n c g n

Giy t c gi pht hnh bi Ngn hng
- 0 0 5 . 2 m a L m i H n h p C y t g n C

Cc khon cho vay
Cng ty C phn Him Lam 115.000 -

Tm ng xy dng cng trnh
6 2 8 . 2 2 4 9 5 3 . 1 1 4 . 1 m a L m i H n h p C y t g n C

2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN
Chi ph li
7 7 1 5 7 3 m a L m i H n h p C y t g n C
T 6 4 5 6 2 . 1 n G i S a r t a S i m g n h T y t g n c g n

Thu nhp li
- 6 4 3 . 4 m a L m i H n h p C y t g n C

31. Tnh hnh thu nhp ca cn b, cng nhn vin
2009

Triu VN
Giai on t
28/3/2008 n
31/12/2008
Triu VN

T 2 6 5 4 8 7 n i v n h n g n c , b n c s g n
Thu nhp ca cn b, cng nhn vin
4 1 7 . 5 1 5 5 1 . 5 2 n b c g n L . 1
8 8 6 . 9 4 0 4 5 . 9 7 p c h p n o h k c C . 2

4. Cng (1+2)
104.695 65.402

3 . 2 7 . 2 g n h t n u q h n b g n l n i T . 5
6. Thu nhp bnh qu 7 . 9 1 . 1 1 g n h t n

S d 31/12/2009
Triu VN
31/12/2008
Triu VN

S d v cc giao dch ch yu vi cc bn lin quan trong nm v ti thi im cui nm nh sau:
83 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

32. Tnh hnh thc hin ngha v vi Ngn sch Nh nc
S d ti
1/1/2009
Pht sinh trong nm S d ti
31/12/2009 S phi np S np
N V u i r T N V u i r T N V u i r T N V u i r T

Thu gi tr gia tng 293 4.792 (3.699) 1.385
Cc loi thu khc 10.480 (10.044) 2.125

15.272 (13.743) 3.510

33. Loi hnh v gi tr ti sn th chp ca khch hng
31/12/2009
Triu VN
31/12/2008
Triu VN

5 5 9 . 6 6 3 . 1 5 0 5 . 1 4 9 . 3 n s g n t B
7 0 0 . 3 0 6 . 2 1 9 6 . 2 5 7 . 4 n s g n
9 3 6 . 2 6 1 8 9 8 . 6 5 3 . 1 i g c t y i G
1 3 1 . 5 0 2 2 7 8 . 6 8 9 c h k o b m n s i t c C
11.037.966 4.337.732

1.689
1.982

T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

3
4
.
B
o

c
o

b

p
h
n

B

p
h
n

c
h
i
a

t
h
e
o

v
n
g

a

l

N
g
n

h
n
g

t
h
e
o

d
i

t
h
n
g

t
i
n

c
h
i
a

t
h
e
o

c
c

v
n
g

a

l

c
h
n
h

t
i

V
i
t

N
a
m

n
h

s
a
u
:

M
i
n

B
c
M
i
n

T
r
u
n
g
M
i
n

N
a
m
C
h
a

p
h
n

b
n
g

c
n
g

T
r
i
u

V
N

3
1
/
1
2
/
2
0
0
9

3
1
/
1
2
/
2
0
0
8
3
1
/
1
2
/
2
0
0
9
3
1
/
1
2
/
2
0
0
8
3
1
/
1
2
/
2
0
0
9

3
1
/
1
2
/
2
0
0
8
3
1
/
1
2
/
2
0
0
9
3
1
/
1
2
/
2
0
0
8
3
1
/
1
2
/
2
0
0
9
3
1
/
1
2
/
2
0
0
8

T
i

s
n

2
.
3
4
1
.
0
8
9

1
.
3
2
7
.
9
0
4
2
1
.
2
6
5
-
3
.
2
2
7
.
5
0
0

9
1
4
.
4
5
8
1
1
.
7
7
7
.
0
7
6
5
.
2
1
0
.
5
8
7
1
7
.
3
6
6
.
9
3
0

7
.
4
5
2
.
9
4
9

N

p
h
i

t
r
2
.
3
0
0
.
9
5
1

1
.
6
0
0
.
9
5
5
2
1
.
0
8
9
-
3
.
2
0
1
.
3
7
5

9
2
4
.
9
7
1
8
.
0
1
5
.
3
2
5
1
.
4
8
0
.
4
3
5
1
3
.
5
3
8
.
7
4
0

4
.
0
0
6
.
3
6
1

T
i

s
n

c
n
h
1
6
.
6
0
0

1
3
.
2
9
1
4
.
7
7
8
-
2
4
.
9
9
9

1
3
.
4
8
2
1
1
3
.
2
2
4
8
7
.
3
0
6
1
5
9
.
6
0
1

1
1
4
.
0
7
9

M
i
n

B
c
M
i
n

T
r
u
n
g
M
i
n

N
a
m
C
h
a

p
h
n

b
n
g

c
n
g

T
r
i
u

V
N

2
0
0
9

G
i
a
i

n

t

2
8
/
3
/
2
0
0
8

n

3
1
/
1
2
/
2
0
0
8

2
0
0
9
G
i
a
i

n

t

2
8
/
3
/
2
0
0
8

n

3
1
/
1
2
/
2
0
0
8

2
0
0
9

G
i
a
i

n

t

2
8
/
3
/
2
0
0
8

n

3
1
/
1
2
/
2
0
0
8

2
0
0
9
G
i
a
i

n

t

2
8
/
3
/
2
0
0
8

n

3
1
/
1
2
/
2
0
0
8

2
0
0
9
G
i
a
i

n

t

2
8
/
3
/
2
0
0
8

n

3
1
/
1
2
/
2
0
0
8

D
o
a
n
h

t
h
u
2
9
9
.
4
9
1

2
8
.
5
6
5
5
.
0
5
2
-
2
6
4
.
2
4
3

6
2
.
4
3
1
1
.
0
0
1
.
8
5
8
6
7
4
.
9
5
7
1
.
5
7
0
.
6
4
4

7
6
5
.
9
5
3

C
h
i

p
h

2
5
9
.
3
5
4

2
4
.
9
3
6
4
.
8
7
6
-
2
3
8
.
1
1
8

7
3
.
5
9
3
5
2
8
.
2
4
3
2
2
3
.
8
3
6
1
.
0
3
0
.
5
9
1

3
2
2
.
3
6
5

L
i

n
h
u
n
4
0
.
1
3
7

3
.
6
2
9
1
7
6
-
2
6
.
1
2
5

(
1
1
.
1
6
2
)
4
7
3
.
6
1
5
4
5
1
.
1
2
1
5
4
0
.
0
5
3

4
4
3
.
5
8
8

B

p
h
n

t
h
e
o

l
n
h

v
c

k
i
n
h

d
o
a
n
h

N
g
n

h
n
g

h
o
n
g

k
i
n
h

d
o
a
n
h

t
r
o
n
g

m
t

l
n
h

v
c

(
n
g
n

h
n
g

b
n

l
)
.

85 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

35. Thuyt minh qun l ri ro
Phn ny cung cp chi tit v cc ri ro m Ngn hng c th gp phi v m t chi tit cc phng php m
ban lnh o Ngn hng s dng kim sot ri ro. Cc loi ri ro ti chnh quan trng nht m Ngn hng
d gp phi l ri ro tn dng v ri ro th trng.

(i) Ri ro tn dng

Ngn hng chu ri ro tn dng trong qu trnh cho vay v u t cng nh khi Ngn hng ng vai tr trung
gian thay mt khch hng hay cc bn th ba khc hay khi Ngn hng cp bo lnh.

Ri ro khi cc bn i tc khng c kh nng thanh ton n c gim st mt cch lin tc. qun l c
mc ri ro tn dng, Ngn hng c gng ch giao dch vi cc i tc c uy tn tn dng cao v khi thch
hp, s yu cu c ti sn m bo.

Ri ro tn dng chnh m Ngn hng gp phi pht sinh t cc khon cho vay v ng trc ca Ngn hng.
Mc ri ro tn dng ny c phn nh theo gi tr ghi s ca cc ti sn trn bng cn i k ton. Ngoi
ra Ngn hng cn gp phi ri ro tn dng ngoi bng di dng cc cam kt cp tn dng v cp bo lnh.

Mc tp trung ca ri ro tn dng (cho d l trong hay ngoi bng) pht sinh t cc cng c ti chnh tn
ti theo tng nhm i tc khi cc nhm ny c cc c im kinh t tng t nhau m c th khin kh
nng tr n ca cc nhm i tc ngy s b nh hng tng t nh nhau khi c cc bin ng v iu kin
kinh t hay nhng iu kin khc.

Mc tp trung ch yu ca ri ro tn dng pht sinh theo khu vc v theo loi khch hng lin quan n
cc hot ng u t, cho vay v ng trc, cam kt cp tn dng v cp bo lnh ca Ngn hng. Ngn hng
c ri ro tp trung ch yu vo mt s ngnh kinh t nht nh.

(ii) Ri ro thanh khon

Ri ro thanh khon pht sinh trong qu trnh Ngn hng huy ng vn ni chung v trong qu trnh qun l
cc trng thi tin t ca Ngn hng. Ri ro thanh khon bao gm ri ro do vic khng c kh nng huy ng
c ti sn theo cc thi im o hn v li sut ph hp cng nh ri ro do vic khng c kh nng thanh
l c mt ti sn vi mt gi c hp l v trong mt khong thi gian ph hp.

Bng di y trnh by phn tch ti sn v cng n ti chnh ca Ngn hng theo cc nhm k o hn
tng ng tnh theo thi hn cn li t ngy kt thc nin k ton n ngy phi thanh ton. Trong thc
t, k o hn thc t ca ti sn v cng n ti chnh c th khc thi hn theo hp ng theo cc tha
thun ming gia cc bn hoc ph lc hp ng c th c.


T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
T
r
i
u

V
N
)

Q
u
n

d
i

3

t
h
n
g

Q
u
n

t
r
n

3

t
h
n
g

n

1

t
h
n
g

T

1

t
h
n
g

n

1
2

t
h
n
g

T

1

n
n

5

n
m

T
r
n

5

n
m

T
n
g

c
n
g

T
i

s
n

T

6
6
5
.
9
3
-
-
-
6
6
5
.
9
3
-
-
u
q

i
t

t
m

n
i
T
i
n

g
i

t
i

N
g
n

h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
-
-
2
0
9
.
8
5
6
-
-
-
2
0
9
.
8
5
6

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c

-
g
p
-
-
2
.
6
3
7
.
0
4
6
1
.
0
8
1
.
7
6
4
2
0
0
.
0
0
0
-
3
.
9
1
8
.
8
1
0

0
5
4
.
1
-

-
-
0
5
4
.
1
-
-

p
g

-

h
n
a
o
d

h
n
i
k

n
o
h
k

g
n
h
C

4
5
2
.
3
2
4
.
5
7
1
1
.
3
5
2
2
9
.
1
6
2
.
1
5
7
8
.
1
1
3
.
3
3
3
9
.
4
3
7
7
0
4
.
1
6
-

p
g

-

g
n
h

h
c
h
k

y
a
v

o
h
C

4
2
6
.
7
8
7
.
5
-
-
0
0
0
.
0
5
4
2
6
.
7
3
7
.
5
-
-

p
g

-

t

u
o
h
k

g
n
h
C

0
3
3
.
6
0
3
3
.
6
-
-
-
-
-

n
h

i
t

u
v

p
G T

1
0
6
.
9
5
1
1
0
6
.
9
5
1
-
-
-
-
-
h
n
c

n
s

i
T

8
5
0
.
2
5
8
.
1
-
-
-
8
5
0
.
2
5
8
.
1
-
-
c
h
k

c

n
s

i

-

6
1
.
4
0
7
1
1
.
2
1
2
.
5
3
3
4
.
4
4
3
.
6
3
9
1
.
4
6
1
.
9
2
2
2
1
9
.
0
4
8
1
7
.
3
9
8
.
5
4
9

N

p
h
i

t
r
c

k
h
o
n

n
C
h
n
h

p
h

N
g
n

h
n
g

1
8
6
.
5
7
2
.
1

-

-

-
1
8
6
.
5
7
2
.
1

-

-

m
a
N

t
i
V

c
h
N
T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c
-
-
1
.
0
0
8
.
2
0
9
1
.
0
0
6
.
1
7
1
1
.
7
9
4
.
1
0
0
-
3
.
8
0
8
.
4
8
0

T
i
n

g
i

c
u
a

k
h
a
c
h

h
a

7
7
4
.
2
0
3
.
7
6
0
4
.
8
3
2
3
8
6
.
2
8
6
8
8
3
.
6
7
3
.
6
0
0
0
.
5
-
-

g
n
V
n

t
i

t
r
y

t
h
u

t
,

c
h
o

v
a
y

T
C
T
D

c
h
u

r
i

0
0
0
.
5
3

-

-

o
r
-

-
-

3
5
.
0
0
0

P
h
t

h
n
h

g
i
y

t

6
8
4
.
7
7
9
2
3
0
.
6
0
2
1
.
6
9
2
4
3
3
.
5
7
6
-
-
-

i
g

c
C
c

k
h
o
n

n

6
1
6
.
9
3
1
-
-
-
6
1
6
.
9
3
1
-
-
c
h
k

-

-

2
.
4
6
3
.
5
0
6
8
.
0
5
7
.
8
9
3
2
.
7
7
2
.
9
0
3
2
4
4
.
4
3
8

1
3
.
5
3
8
.
7
4
0

.
9
4
7
.
8

7
0
4
.
1
6
-

g
n
r

n
o
h
k

h
n
a
h
t

h
n
h
c

c
M
0
2
7
(
3
.
6
1
4
.
2
5
4
)
(
1
.
3
1
0
.
9
8
1
)

(
2
5
.
3
9
0
)
3
.
8
5
9
.
8
0
9

87 Lin kt Phat trin
BAO CAO
THNG NIN
2009

T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
8

(
T
r
i
u

V
N
)

Q
u
n

d
i

3

t
h
n
g

Q
u
n

t
r
n

3

t
h
n
g

n

1

t
h
n
g
T

1

t
h
n
g

n

1

n
m

T

1

n
n

5

n
m

T
r
n

5

n
m

T
n
g

c
n
g

T
i

s
n

T
i
n

m
t

t
i

q
u
-
-
3
4
.
7
6
7
-
-
-
3
4
.
7
6
7

T
i
n

g
i

t
i

N
g
n
h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
-
-
1
3
9
.
5
0
8
-
-
-
1
3
9
.
5
0
8

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

6
1
0
.
9
3
8
.
2

-

-
0
2
5
.
0
4
7
.
1
6
9
4
.
8
9
0
.
1

-

-

p
g

-

c
h
k

8
3
2
.
2
2
-
-
-
8
3
2
.
2
2
-
-

p
g

-

h
n
a
o
d

h
n
i
k

n
o
h
k

g
n
h
C

2
5
7
.
4
1
4
.
2
3
7
3
.
3
4
4
8
4
.
6
1
1
4
6
3
.
2
8
4
.
1
6
1
4
.
5
6
7
-
5
1
1
.
7

p
g

-

g
n
h

h
c
h
k

y
a
v

o
h
C

7
9
1
.
7
1
2
.
1
7
8
5
.
1
9
0
9
4
.
0
1
8
0
2
1
.
5
1
3

-
-
-

p
g

-

t

u
o
h
k

g
n
h
C

0
8
4
.
2
-
0
8
4
.
2
-

-
-
-

n
h

i
t

u
v

p
G T

9
7
0
.
4
1
1
9
7
0
.
4
1
1
-
-

-
-
-
h
n
c

n
s

i
T

4
0
6
.
1
8
6
-
-
-
4
0
6
.
1
8
6
-
-
c
h
k

c

n
s

i

7
.
1
1
5

-

2
.
7
4
2
.
0
2
9
3
.
5
3
8
.
0
0
4
9
2
9
.
4
5
4
2
4
9
.
0
3
9
7
.
4
6
5
.
6
4
1

N

p
h
i

t
r

T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

4
0
3
.
3
5
9

-

-
3
7
1
.
1
3
8
1
3
1
.
2
2
1

-

-

c
h
k
T
i
n

g
i

c
u
a

k
h
a
c
h

h
a

3
5
4
.
7
4
8
.
2
-
5
8
7
.
5
7
4
0
.
7
7
0
.
1
1
2
6
.
4
6
7
.
1
-
-

g
n
C
c

k
h
o
n

n

4
0
6
.
5
0
2
-
-
-
4
0
6
.
5
0
2
-
-
c
h
k

-

-

2
.
0
9
2
.
3
5
6
1
.
9
0
8
.
2
2
0
5
.
7
8
5
-

4
.
0
0
6
.
3
6
1

M
c

c
h
n
h

t
h
a
n
h

k
h
o
n

r
n
g

7
.
1
1
5

-

6
4
9
.
6
7
3
1
.
6
2
9
.
7
8
4
9
2
3
.
6
6
9
2
4
9
.
0
3
9
3
.
4
5
9
.
2
8
0

Mu B05/TCTD

(iii) Ri ro th trng

Ri ro li sut

Cc hot ng ca Ngn hng chu ri ro v bin ng li sut khi cc ti sn thu li v n phi tr chu li o
hn ti nhng thi im khc nhau hoc vi nhng gi tr khc nhau. Mt s ti sn khng c k hn c th
hoc rt nhy cm vi li sut v khng tng ng vi tng khon cng n c th.

Bng di y trnh by cc ti sn v cng n ca Ngn hng c phn loi theo thi hn sm hn thi
hn nh gi li theo hp ng hoc theo ngy o hn v li sut thc t ti ngy kt thc nin k ton.
Ngy nh gi li ti sn v ngy o hn d kin c th khc nhiu so vi ngy quy nh trong hp ng, c
bit vi ngy o hn tin gi ca khch hng.

89 Lin kt Phat trin
BAO CAO
THNG NIN
2009

T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
T
r
i
u

V
N
)

Q
u
n
K
h
n
g

c
h
u

l
n

1

t
h
n
g

T
n

3

t
h
n
g

T
n

6

t
h
n
g
T
n

1
2

t
h
n
g
T
n

5

n
m

T
r
n

5

n
m

T
n
g

c
n
g

T
i

s
n

T

6
6
5
.
9
3

-
-
-
-
-

-
6
6
5
.
9
3
-
u
q

i
t

t
m

n
i
T
i
n

g
i

t
i

N
g
n

h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
-
2
0
9
.
8
5
6
-

-
-
-
-
-

2
0
9
.
8
5
6

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c

-
g
p

-
-
3
.
7
4
3
.
8
1
0

1
5
0
.
0
0
0
2
5
.
0
0
0
-
-
-

3
.
9
1
8
.
8
1
0

0
5
4
.
1

-
-
-
-
-

-
0
5
4
.
1
-

p
g

-

h
n
a
o
d

h
n
i
k

n
o
h
k

g
n
h
C

4
5
2
.
3
2
4
.
5

7
1
1
.
3
5
2
2
9
.
1
6
2
.
1
5
1
9
.
7
5
7
9
7
4
.
6
6
2
.
1
1
8
4
.
7
8
2
.
1

3
3
9
.
4
3
7
-
7
0
4
.
1
6

p
g

-

g
n
h

h
c
h
k

y
a
v

o
h
C

4
2
6
.
7
8
7
.
5

0
5
1
.
1
9
6
.
2
4
7
4
.
6
9
9
.
2
0
0
0
.
0
5
0
0
0
.
0
5
-

-
-
-

p
g

-

t

u
o
h
k

g
n
h
C

0
3
3
.
6

-
-
-
-
-

-
0
3
3
.
6
-

n
h

i
t

u
v

p
G T

1
0
6
.
9
5
1

-
-
-
-
-

-
1
0
6
.
9
5
1
-
h
n
c

n
s

i
T

8
5
0
.
2
5
8
.
1

-
-
-
-
-

-
8
5
0
.
2
5
8
.
1
-
c
h
k

c

n
s

i

6
1
.
4
0
7
2
.
2
6
8
.
8
6
1
4
.
4
7
8
.
7
4
3

1
.
4
3
7
.
4
8
1
1
.
3
4
1
.
4
7
9
8
0
7
.
9
1
5
4
.
2
5
8
.
3
9
6
2
.
7
4
4
.
2
6
7

1
7
.
3
9
8
.
5
4
9

N

p
h
i

t
r
c

k
h
o
n

n
C
h
n
h

p
h

N
H
N
N
V
N

-
-
1
.
2
7
5
.
6
8
1

-
-
-
-
-

1
.
2
7
5
.
6
8
1

T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c
-
-
1
.
0
0
8
.
2
0
9

5
5
6
.
1
7
1
2
5
0
.
0
0
0
2
0
0
.
0
0
0
1
.
7
9
4
.
1
0
0
-

3
.
8
0
8
.
4
8
0

T
i
n

g
i

c
u
a

k
h
a
c
h

h
a

7
7
4
.
2
0
3
.
7

-
6
0
4
.
8
3
2
7
1
2
.
4
0
4
6
6
4
.
8
7
2
0
0
1
.
1
5
0
.
1

8
8
2
.
0
3
3
.
5
-
-

g
n
V
n

t
i

t
r
y

t
h
u

t
,

c
h
o

v
a
y

T
C
T
D

c
h
u

r
i

r
o
-
3
5
.
0
0
0
-

-
-
-
-
-

3
5
.
0
0
0

P
h
t

h
n
h

g
i
y

t

6
8
4
.
7
7
9

-
2
3
0
.
6
4
9
8
.
4
8
2
5
2
2
.
1
1
9
9
4
.
6
6
2

6
3
8
.
8
0
4
-
-

i
g

c
C
c

k
h
o
n

n

6
1
6
.
9
3
1

-
-
-
-
-

-
6
1
6
.
9
3
1
-
c
h
k

-
1
7
4
.
6
1
6
8
.
0
2
3
.
0
1
4

1
.
8
7
3
.
7
7
0
5
3
9
.
6
9
1
8
8
9
.
1
1
1
2
.
0
3
8
.
5
3
8
-

1
3
.
5
3
8
.
7
4
0

M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

c
a

c
c

c
h
t
i
u

n
i

b
n
g

6
1
.
4
0
7
2
.
0
9
4
.
2
4
5
(
3
.
5
4
4
.
2
7
1
)

(
4
3
6
.
2
8
9
)
8
0
1
.
7
8
8
(
8
1
.
1
9
6
)
2
.
2
1
9
.
8
5
8
2
.
7
4
4
.
2
6
7

3
.
8
5
9
.
8
0
9

M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

c
a

c
c

c
h

-
-
-

g
n
b

i
o
g
n

u
i
t

-
-
-
-
-

-

M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

n
i
,

n
g
o
i

b
n
g

6
1
.
4
0
7
2
.
0
9
4
.
2
4
5
(
3
.
5
4
4
.
2
7
1
)

(
4
3
6
.
2
8
9
)
8
0
1
.
7
8
8
(
8
1
.
1
9
6
)
2
.
2
1
9
.
8
5
8
2
.
7
4
4
.
2
6
7

3
.
8
5
9
.
8
0
9


T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
D

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
8

(
T
r
i
u

V
N
)

Q
u
n
K
h
n
g

c
h
u

l
i

D
i

1

t
h
n
g

T
n

3

t
h
n
g

T
n

6

t
h
n
g

T
n

9

t
h
n
g

T
n

1
2

t
h
n
g
T
n

5

n
m

T
r
n

5

n
m

T
n
g

c
n
g

T
i

s
n

T

7
6
7
.
4
3

-
-
-
-
-

-
-
7
6
7
.
4
3
-
u
q

i
t

t
m

n
i
T
i
n

g
i

t
i

N
g
n

h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
-
-
1
3
9
.
5
0
8
-

-
-
-
-
-

1
3
9
.
5
0
8

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

5
8
8
.
9
2
7

5
0
1
.
6
5
6
.
1
6
2
0
.
3
5
4
-

-

p
h
k
-
-

-

-

2
.
8
3
9
.
0
1
6

C
h
n
g

k
h
o
n

k
i
n
h

d
o
a
n
h

-

g
p

-
2
2
.
2
3
8
-
-

-
-
-
-
-

2
2
.
2
3
8

C
h
o

v
a
y

k
h
c
h

h
n
g

-
g
p

7
.
1
1
5
-
5
1
2
.
8
7
4
1
0
9
.
3
3
2

1
.
7
8
5
.
4
3
1
-
-
-
-

2
.
4
1
4
.
7
5
2

-

p
g
-

t

u
o
h
k

g
n
h
C
-

-

-

-

3
0
.
0
0
0
1
.
1
8
7
.
1
9
7
-

1
.
2
1
7
.
1
9
7

0
8
4
.
2

-
-
-
-
-

-
-
0
8
4
.
2
-

n
h

i
t

u
v

p
G T

9
7
0
.
4
1
1

-
-
-
-
-

-
-
9
7
0
.
4
1
1
-
h
n
c

n
s

i
T

4
0
6
.
1
8
6

-
-
-
-
-

-
-
4
0
6
.
1
8
6
-
c
h
k

c

n
s

i

7
.
1
1
5
8
5
5
.
1
6
8
1
.
1
0
5
.
4
0
8
1
.
7
6
5
.
4
3
7

2
.
5
1
5
.
3
1
6

-

3
0
.
0
0
0

1
.
1
8
7
.
1
9
7
-

7
.
4
6
5
.
6
4
1

N

p
h
i

t
r

T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

4
0
3
.
3
5
9

-
-

-

-
4
5
6
.
4
5
4

0
0
5
.
6
0
4
0
5
1
.
2
9
-

-

c
h
k
T
i
n

g
i

c
u
a

k
h
a
c
h

h
a

3
5
4
.
7
4
8
.
2

-
5
0
7
.
5
8
5
6
.
1
2
2
0
3
.
2
3
7
4
3
.
4
8

7
0
3
.
2
2
4
.
1
4
3
1
.
1
8
2
.
1
-
-

g
n
C
c

k
h
o
n

n

4
0
6
.
5
0
2

-
-
-
-
-

-
-
4
0
6
.
5
0
2
-
c
h
k

-
2
0
5
.
6
0
4
1
.
3
7
3
.
2
8
4
1
.
8
2
8
.
8
0
7

5
3
9
.
0
0
1
3
2
.
3
0
2
2
1
.
6
5
8
5
.
7
0
5
-

4
.
0
0
6
.
3
6
1

M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

c
a

c
c

c
h

t
i
u

n
i

b
n
g

7
.
1
1
5
6
4
9
.
5
6
4
(
2
6
7
.
8
7
6
)
(
6
3
.
3
7
0
)

1
.
9
7
6
.
3
1
5
(
3
2
.
3
0
2
)
8
.
3
4
2
1
.
1
8
1
.
4
9
2
-

3
.
4
5
9
.
2
8
0
M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

c
a

c
c

c
h

t
i
u

n
g
o
i

b
n
g

-

-
-

-

-

-
-

-
-

-

M
c

c
h
n
h

n
h
y

c
m

v
i

l
i

s
u
t

n
i
,

n
g
o
i

b
n
g

7
.
1
1
5
6
4
9
.
5
6
4
(
2
6
7
.
8
7
6
)
(
6
3
.
3
7
0
)

1
.
9
7
6
.
3
1
5
(
3
2
.
3
0
2
)
8
.
3
4
2
1
.
1
8
1
.
4
9
2
-

3
.
4
5
9
.
2
8
0

91 Lin kt Phat trin
BAO CAO
THNG NIN
2009
Mu B05/TCTD

Ri ro tin t
Ngn hng chu ri ro tin t trong nhng giao dch bng ngoi t.

Ngn hng ch yu s dng la M v ng Vit Nam hch ton cc hot ng ca mnh. Do cc bo
co chnh ca Ngn hng c trnh by bng ng Vit Nam, cc bo co chnh ca Ngn hng b nh
hng bi nhng bin ng t gi gia la M v ng Vit Nam.

Ri ro trong cc giao dch bng ngoi t ca Ngn hng s lm pht sinh li hoc l ngoi t v cc khon li
hay l ngoi t ny c ghi nhn vo bo co kt qu hot ng kinh doanh. Ri ro ny bao gm c cc ti
sn v cng n tin t ca Ngn hng c ngun gc khng phi bng loi tin t hch ton ca Ngn hng.
Xem cc thuyt minh 3, 5, 9, 15, 16 v phn tch cc n v tin t ca tin mt ti qu, tin gi ti v cho vay
cc t chc tn dng khc, chng khon u t, tin gi v tin vay cc t chc tn dng khc v tin gi cua
khach hang. Ngn hng cng duy tr trng thi m c th thu li t bin ng t gi.

T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
7

c
a

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
T
r
i
u

V
N
)

V
N

U
S
D
L
o
i

t
i
n

t
k
h
c

T
n
g

c
n
g

T
i

s
n

T
i
n

m
t

t
i

q
u
2
8
.
9
5
5
1
0
.
4
5
8
1
5
3
3
9
.
5
6
6

T
i
n

g
i

t
i

N
g
n

h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
2
0
6
.
1
5
2
3
.
7
0
4
-
2
0
9
.
8
5
6

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c

-
g
p
3
.
4
7
8
.
5
2
0
4
2
9
.
8
1
8
1
0
.
4
7
2
3
.
9
1
8
.
8
1
0

C
h
n
g

k
h
o
n

k
i
n
h

d
o
a
n
h

-

g
p

1
.
4
5
0
-
-
1
.
4
5
0

C
h
o

v
a
y

k
h
c
h

h
n
g

-
g
p

5
.
3
0
3
.
7
6
5
1
1
9
.
4
8
9
-
5
.
4
2
3
.
2
5
4

C
h
n
g

k
h
o
u

t

-

g
p

2
.
1
9
9
.
4
2
4
3
.
5
8
8
.
2
0
0
-
5
.
7
8
7
.
6
2
4

G
p

v
u

t
i

h
n

6
.
3
3
0
-
-
6
.
3
3
0

T
i

s
n

c
n
h
1
5
9
.
6
0
1
-
-
1
5
9
.
6
0
1

T
i

s
n

c

k
h
c
1
.
8
3
1
.
9
9
8
2
0
.
0
5
3
7
1
.
8
5
2
.
0
5
8

1
3
.
2
1
6
.
1
9
5

4
.
1
7
1
.
7
2
2

1
0
.
6
3
2

1
7
.
3
9
8
.
5
4
9

N

p
h
i

t
r
c

k
h
o
n

n
C
h
n
h

p
h

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
1
.
2
7
5
.
6
8
1
-
-
1
.
2
7
5
.
6
8
1

T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c
6
0
7
.
1
8
7
3
.
2
0
1
.
2
9
3
-
3
.
8
0
8
.
4
8
0

T
i
n

g
i

c
u
a

k
h
a
c
h

h
a
n
g

6
.
6
2
1
.
7
8
6
6
7
5
.
4
8
2
5
.
2
0
9
7
.
3
0
2
.
4
7
7

V
n

t
i

t
r
y

t
h
u

t
,

c
h
o

v
a
y

T
C
T
D

c
h
u

r
i

r
o
3
5
.
0
0
0
-
-
3
5
.
0
0
0

P
h
t

h
n
h

g
i
y

t

g
i

9
3
1
.
2
7
8
4
6
.
2
0
8
-
9
7
7
.
4
8
6

C
c

k
h
o
n

n
k
h
c
1
0
1
.
3
7
9
3
8
.
2
3
7
-
1
3
9
.
6
1
6

9
.
5
7
2
.
3
1
1

3
.
9
6
1
.
2
2
0

5
.
2
0
9

1
3
.
5
3
8
.
7
4
0

T
r
n
g

t
h
i

t
i
n

t
i

b
n
g

3
.
6
4
3
.
8
8
4
2
1
0
.
5
0
2
5
.
4
2
3
3
.
8
5
9
.
8
0
9

T
r
n
g

t
h
i

t
i
n

t

n
g
o
i

b
n
g

2
2
.
3
6
5
(
2
2
.
5
2
9
)
6
0
6
4
4
2

T
r
n
g

t
h
i

t
i
n

t
i
,

n
g
o
i

b
n
g

3
.
6
6
6
.
2
4
9
1
8
7
.
9
7
3
6
.
0
2
9
3
.
8
6
0
.
2
5
1

93 Lin kt Phat trin
BAO CAO
THNG NIN
2009
T
h
u
y
t

m
i
n
h

b
o

c
o

t
i

c
h
n
h

c
h
o

n
m

k
t

t
h
c

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
9

(
t
i
p

t
h
e
o
)

M
u

B
0
5
/
T
C
T
D

(
B
a
n

h
n
h

t
h
e
o

Q
u
y
n
h

1
6
/
2
0
0
7
/
Q
-
N
H
N
N

n
g
y

1
8

t
h
n
g

4

n
m

2
0
0
7

c
a

T
h
n
g

c

N
g
n

h
n
g

N
h
c

V
i
t

N
a
m
)

T
i

n
g
y

3
1

t
h
n
g

1
2

n
m

2
0
0
8

(
T
r
i
u

V
N
)

V
N
U
S
D
L
o
i

t
i
n

t
k
h
c

T
n
g

T
i

s
n

T
i
n

m
t

t
i

q
u
2
6
.
9
7
7
7
.
7
4
9
4
1
3
4
.
7
6
7

T
i
n

g
i

t
i

N
g
n

h
a
n
g

N
h
a

n
c

V
i
t

N
a
m
1
3
6
.
0
7
0
3
.
4
3
8
-
1
3
9
.
5
0
8

T
i
n

g
i

v

c
h
o

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c

-
g
p
2
.
1
6
1
.
4
6
6
6
7
7
.
5
0
9
4
1
2
.
8
3
9
.
0
1
6

C
h
n
g

k
h
o
n

k
i
n
h

d
o
a
n
h

-

g
p

2
2
.
2
3
8
-
-
2
2
.
2
3
8

C
h
o

v
a
y

k
h
c
h

h
n
g

-
g
p

2
.
1
8
1
.
5
4
9
2
3
3
.
2
0
3
-
2
.
4
1
4
.
7
5
2

C
h
n
g

k
h
o
u

t

-

g
p

1
.
2
1
7
.
1
9
7
-
-
1
.
2
1
7
.
1
9
7

G
p

v
u

t
i

h
n

2
.
4
8
0
-
-
2
.
4
8
0
T
i

s
n

c
n
h
1
1
4
.
0
7
9
-
-
1
1
4
.
0
7
9

T
i

s
n

c

k
h
c
6
7
6
.
7
0
1
4
.
9
0
3
-
6
8
1
.
6
0
4

6
.
5
3
8
.
7
5
7
9
2
6
.
8
0
2
8
2

7
.
4
6
5
.
6
4
1

N

p
h
i

t
r

T
i
n

g
i

v

t
i
n

v
a
y

c
c

t

c
h
c

t
n

d
n
g

k
h
c
6
6
4
.
6
7
7
2
8
8
.
6
2
7
-
9
5
3
.
3
0
4

T
i
n

g
i

c
u
a

k
h
a
c
h

h
a
n
g

2
.
3
7
7
.
8
2
7
4
6
9
.
6
2
6
-
2
.
8
4
7
.
4
5
3

C
c

k
h
o
n

n
k
h
c
2
0
2
.
5
3
0
3
.
0
7
4
-
2
0
5
.
6
0
4

3
.
2
4
5
.
0
3
4
7
6
1
.
3
2
7
-

4
.
0
0
6
.
3
6
1

T
r
n
g

t
h
i

t
i
n

t
i

b
n
g

3
.
2
9
3
.
7
2
3

1
6
5
.
4
7
5

8
2

3
.
4
5
9
.
2
8
0

T
r
n
g

t
h
i

t
i
n

t

n
g
o
i

b
n
g

2
0
.
9
8
9

(
2
0
.
4
5
0
)

-

5
3
9

T
r
n
g

t
h
i

t
i
n

t
i
,

n
g
o
i

b
n
g

3
.
3
1
4
.
7
1
2

1
4
5
.
0
2
5

8
2

3
.
4
5
9
.
8
1
9


36. Cc cam kt
(i) Chi tiu vn

Ti ngy 31 thng 12 nm 2009, Ngn hng c nhng cam kt chi tiu vn sau c ph duyt nhng
cha c hch ton trn bng cn i k ton:

9 0 0 2 / 2 1 / 1 3
Triu VN
31/12/2008
Triu VN

2 6 4 . 7 4 4 6 5 2 . 9 5 1 . 3 g n p h k v t y u d h p c

(ii) Hp ng thu

Cc khon phi tr ti thiu theo nhng hp ng thu ti sn hot ng khng hy ngang nh sau:

31/12/2009
Triu VN
31/12/2008
Triu VN

Di 1 nm 26.261 -
T 2 n 5 nm 71.517 13.583
Trn 5 nm 26.498 4.319
124.276 17.902

37. S liu so snh
Mt vi s liu so snh c Ngn hng phn loi li ph hp vi cch trnh by ca nm hin ti nh
sau:

2 1 / 1 3 /2008
(Phn loi li)

Triu VN
31/12/2008
(theo bo co
nm trc)
Triu VN

Bng cn i k ton
3 6 7 . 1 3 2 . 1 - t u n o h k g n h C
- 8 3 2 . 2 2 h n a o d h n i k n o h k g n h C
- 5 9 8 . 5 0 1 . 1 n b g n s n s t u n o h k g n h C
- 3 0 3 . 1 1 1 n h o y g n n i g t u n o h k g n h C
- ) 2 7 6 . 7 ( h n a o d h n i k n o h k g n h c i g m i g g n h p D
6 4 - g n b i o g n t k m a c c c o h c g n u h c g n h p D
2 8 9 . 1 - p n i h p u h t g n h p D
N 6 7 5 . 3 0 2 4 0 6 . 5 0 2 c h k r t i h p
T - 9 3 6 . 8 4 g n d n t h
9 3 6 . 8 4 - c h k t k m a C

Giai on t
28/3/2008 n

Giai on t
28/3/2008 n
Mu B05/TCTD

95 Lin kt Phat trin
BAO CAO
THNG NIN
2009

VII. MNG LI GIAO DCH

HI S CHNH
1 Tr s chnh
a ch S 32 ng Nguyn Cng Tr, phng 1, th x V Thanh, tnh Hu Giang
Tel 0711.627.0668
Fax 0711.358.1737
2 Vn phng iu hnh
a ch S 109 ng Trn Hng o, phng Ca Nam, Qun Hon Kim, H Ni
Tel 04.62.668.668
Fax 04.35.738.245
KHU VC MIN BC
3 Ngn hng Lin Vit H Ni
a ch S 135 - 137 ng X n, phng Phng Lin, qun ng a, H Ni
Tel 04.6276.4160
Fax 04.3573.8252
4 Ngn hng Lin Vit ng a (tn c: Ngn hng Lin Vit Lng H)
a ch S 35 Thi H, phng Trung Lit, qun ng a, H Ni
Tel 04. 6252.6688
Fax 04. 6275.2910
5 Ngn hng Lin Vit Trn ng Ninh
a ch S 207 209 Trn ng Ninh, phng Dch Vng, qun Cu Giy, H Ni
Tel 04.3793.1668
Fax 04.3793.1669
6 Ngn hng Lin Vit Liu Giai
a ch S 14 Liu Giai, phng Cng V, qun Ba nh, H Ni
Tel 04.3767.4842
Fax 04.3767.4806
7 Ngn hng Lin Vit Ba nh
a ch S 59B Hng Bn, phng Qun Thnh, qun Ba nh, H Ni
Tel 04.6270.0052
Fax 04.6270.0051
97 Lin kt Phat trin
BAO CAO
THNG NIN
2009

8 Ngn hng Lin Vit H ng
a ch S 10 ng Trn Ph, phng M Lao, qun H ng, H Ni
Tel 04.6286.8999
Fax 04.6285.3138
9 Ngn hng Lin Vit Thng Long
a ch S 8 ph Trng Thi, phng Hng Trng, qun Hon Kim, H Ni
Tel 04.3938.0088
Fax 04.3938.0357
10 Ngn hng Lin Vit Ha M
a ch S 30 32 Ha M, phng Phm nh H, qun Hai B Trng, H Ni
Tel 04.3976.5746
Fax 04.3976.5743
11 Ngn hng Lin Vit Triu Vit Vng
a ch S 45 Triu Vit Vng, phng Bi Th Xun, qun Hai B Trng, H Ni
Tel 04.3944.8829
Fax 04.3944.8830
12 Ngn hng Lin Vit Linh m
a ch S 17 - BT2, ph Nguyn Hu Th, phng Thnh Lit, qun Hong Mai, H Ni
Tel 04.3540.1448/ 04.3540.1449
Fax 04.3540.1450
13 Ngn hng Lin Vit Th
a ch S 109 ng Trn Hng o, phng Ca Nam, qun Hon Kim, H Ni
Tel 04.6266.8668
Fax 04.6270.1905
14 Ngn hng Lin Vit ng
a ch S 297 ph Kim M, phng Ging V, qun Ba nh, H Ni
Tel 04.3726.4008
Fax 04.3726.4009
15 Ngn hng Lin Vit Ging V
a ch S 267 269 Ging V, phng Ct Linh, qun ng a, H Ni
Tel 04.3512.3058
Fax 04.3512.3059
16 Ngn hng Lin Vit Nguyn Ch Thanh

a ch S 76 Nguyn Ch Thanh, phng Lng Thng, qun ng a, H Ni
Tel 04.3775.3388
Fax 04.3775.9476
17 Ngn hng Lin Vit Hong Quc Vit
a ch S 1014 Hong Quc Vit, x C Nhu, huyn T Lim, H Ni
Tel 04.3793.2600
Fax 04.3793.2601
18 Ngn hng Lin Vit Bc Ninh
a ch S 22 ng L Thi T, phng i Phc, thnh ph Bc Ninh, tnh Bc Ninh
Tel 0241.3855.688
Fax 0241.3856.720

KHU VC MIN TRUNG
19 Ngn hng Lin Vit Dung Qut
a ch Block 01, s 1 An Dng Vng, thnh ph Qung Ngi, tnh Qung Ngi
Tel 055.625.1668
Fax 055.625.1669
20 Ngn hng Lin Vit Hng Vng
a ch S 28 ng Hng Vng, phng Nguyn Nghim, thnh ph Qung Ngi, tnh Qung Ngi
Tel 055.3717.668/055.3717.669
Fax 055.625.1669
21 Ngn hng Lin Vit Nng
a ch S 299 Hong Diu, phng Bnh Thun, qun Hi Chu, thnh ph Nng
Tel 0511.381.6668
Fax 0511.355.3686

KHU VC MIN NAM
22 Ngn hng Lin Vit SGD Hu Giang
a ch S 32 ng Nguyn Cng Tr, phng 1, th x V Thanh, tnh Hu Giang
Tel 0711.627.0668
Fax 0711.358.1737
23 Ngn hng Lin Vit Tn Ph Thnh
99 Lin kt Phat trin
BAO CAO
THNG NIN
2009

a ch 418A Quc l 1, p Tn Ph, th trn Ci Tc, huyn Chu Thnh A, tnh Hu Giang
Tel 0711.6268.022
Fax 0711.6268.025
24 Ngn hng Lin Vit V Thanh
a ch S 1107 ng Trn Hng o, phng 7, th x V Thanh, tnh Hu Giang
Tel 0711.6261.007
Fax 0711.6261.009
25 Ngn hng Lin Vit TP H Ch Minh
a ch S 2A ng Nguyn Th Minh Khai, phng a Kao, qun 1, TP. H Ch Minh
Tel 08.6266.8668
Fax 08.6266.9669
26 Ngn hng Lin Vit Ph M Hng
a ch
S 1443 khu ph M Ton 1, khu th mi Ph M Hng, ng Nguyn Vn Linh, phng Tn
Phong, qun 7, TP. H Ch Minh
Tel 08.5412.3256
Fax 08.5413.2882
27 Ngn hng Lin Vit An Ph
a ch S 35 ng Song Hnh, khu ph 5, phng An Ph, qun 2, TP. H Ch Minh
Tel 08.6266.8668
Fax 08.6266.9669
28 Ngn hng Lin Vit Ng Gia T
a ch S 228 230 ng Ng Gia T, phng 4, qun 10, TP. H Ch Minh
Tel 08.6266.8668
Fax 08.6266.9669
29 Ngn hng Lin Vit Bnh Thi
a ch 205 205A Bnh Thi, phng 10, qun 11, TP. H Ch Minh
Tel 08.6264.0188
Fax 08.6264.0797
30 Ngn hng Lin Vit Tn Bnh
a ch S 475 ng L Vn S, phng 2, qun Tn Bnh, TP. H Ch Minh
Tel 08.5449.5211
Fax 08.5449.5210
31 Ngn hng Lin Vit Trng Chinh

a ch S 481-481B ng Trng Chinh, phng 14, qun Tn Bnh, TP. H Ch Minh
Tel 08.3813.0791
Fax 08.3813.0794

32 Ngn hng Lin Vit Tn Sn Nht
a ch S 153 Nguyn Thi Sn, phng 4, qun G Vp, TP. H Ch Minh
Tel 08.3994.0072
Fax 08.3994.0075
33 Ngn hng Lin Vit Ch Ln
a ch S 52 54 56 Hi Thng Ln ng, phng 10, qun 5, TP. H Ch Minh
Tel 08.62.688688
Fax 08.62.699699
34 Ngn hng Lin Vit Trn Hng o
a ch S 451 Trn Hng o, phng Cu Kho, qun 1, TP. H Ch Minh
Tel 08.6295.8811
Fax 08.6291.2917
35 Ngn hng Lin Vit Cn Th
a ch S 26 28 Nguyn An Ninh, p Tn An, qun Ninh Kiu, thnh ph Cn Th
Tel 0710.625.2555
Fax 0710.625.2539
36 Ngn hng Lin Vit Tht Nt
a ch S 72 ng Nguyn Thi Hc, phng Tht Nt, qun Tht Nt, thnh ph Cn Th
Tel 0710.625.2555
Fax 0710.625.2539
37 Ngn hng Lin Vit An Giang
a ch S 132C Trn Hng o - Phng M Bnh - thnh ph Long Xuyn - tnh An Giang
Tel 076.3959.456
Fax 076.3959.567

Bao Cao Thuong Nien 2009

Hochgeladen von

Dokumentinformationen

Copyright

Verfügbare Formate

Dieses Dokument teilen

Dokument teilen oder einbetten

Freigabeoptionen

Stufen Sie dieses Dokument als nützlich ein?

Sind diese Inhalte unangemessen?

Copyright:

Verfügbare Formate

Bao Cao Thuong Nien 2009

Hochgeladen von

Copyright:

Verfügbare Formate

BAO CAO

Das könnte Ihnen auch gefallen