NGAN HANG TMCP DAU rtr VA PHAT TRIEN VItT NAM

CHI NHANH So GIAO DfCH 1

CQNG HOA xA HQI CHU NGHIA VITT NAM DQc lap - Tv do - Hanh Phut

BIDV

Ha NOi, ngaylP thcing 01 mint 2014

/BC-ICHTH

BAO CAO

TINH HINH HOAT BONG NAM 2013

VA TRQNG TAM CONG TAC NAM 2014

PHAN I: DANH GL4. TINH HINH THIIC HIEN KHKD DEN 31/12/2013 I. TINH HINH CHUNG:

Trong boi canh suy thoai chung cua nen kinh to the gi6i va nhung kho khan nOi tai trong nen kinh to qu6c gia, vii dinh huang tong quit nam 2013 la tang cueing On dinh kinh to vi mo, duy tri tang tnrang, day manh dOt phi chitin luqc gin vii tai ea eau nen kinh te, chuyen doi mo hinh tang tnrang &Ong thai van dam boo an sinh xa kinh to nuac to da co nhung chuyen bien tich cuc, dung huang va ca ban dat duqc ntriing moc tieu da de ra, cu the GDP dat 5,42%; lam phat duqc kiem sok a mirc 6,04%, xuat khau tang tnrang 15,4%, thu but FDI dat cao nhat trong 4 nam, von giai ngfin dat tren 11 tS, USD...

Ve hog Ong tai chinh ngan hang: chinh sach tien ducrc dieu hanh linh hoat, phut vu moc tieu on dinh vi mo: chinh sach lai suit duqc diL hanh chit' dong, CO tic dung don dot thi MI6/1g va barn sat din bitn kinh to v7 mo, mat bang iai suit huy dOng giam 2-3% va cho vay giam 3-5%, khong con tinh tang tang thing thanh khoan don den canh tranh lai suit 18i keo khach hang nhu nhimg nam tnrac. Tang truang tin dung toan nen kinh to thap han nhirng nam truac day tuy nhien dong tin dung chay vao cac linh vuc uu tien theo dinh huerng cua Chinh phi, ca eau tin dung VND/ngoai tg chuyen dich tich cuc. T nq xau mac da c6 dau hieu giam nhung van 6 mirc cao, chat luqng tin dung chua thuc su duqc cai thien, ng xau chua duqc phin log va danh gia day du, chinh xac. Thi truang ngoai tg va tjr gia ve ca ban din bien on dinh, phu hom vii dien bien cung cau ngoni tg tren thi trong.

Ve ket qua hoot dOng cua BIDV: ve ca ban, BIDV da hoan thanh cac chi tieu KHKD cha yeu theo Nghi guy& Doi hOi c6 d8ng va Nghi quye't cua HOi dtmg quan tri, CO 18/20 chi tieu dat va vuart mac ice hoach, trong do du nq tin diking dat mirc tang tnrang kha (16,74%); lqi nhuan truac thu rig 5.066 tSr d8ng (cao hurl Nghi quyet giao 346 tSr d8ng). ILICET QUA CAC MAT HOAT DQNG CUA CN Sd GIAO INCH 1: 1. Ket qua thvc hik'n cac chi tieu KHKD den 31/12/2013:

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Nam 2013, duOi su chi dao quygt 1i et, linh hoat cua Ban L'anh dao BIDV va su cg gang, no lgc cua tap the can 130 Chi nhanh, hoat Ong cua Chi nhanh Sa giao dich 1 d'a dat dugc nhang ket qua clang ghi nhan, dam bao an toan. Mire dO hoan thanh mot so chi ti'eu kg hoach chinh cu the nhu sau:

Dan vi- if? deing

TT Chi lieu TH 2012 KII ham

2013 31/12/2013

% HTKH ham

1 Lgi nhuan triroc thug 728,69 664,8 739,77 111,3%

2 Chenh Lech thu chi 802,83 704,0 779,02 110,7

3 Du ng tin dung thong thin:mg 10.230 10.589 10.566 99,8%

4 Du ng tin dung BQ 9.785 11.675 5 HDV cugi kY 28.202 25.795 25.705 99,6% 6 HDV BQ 21.649 26.300 26.363 100,2%

7 Thu dich vu rang (chua bao ggm KDNT & p/sinh)

83,13 97 79,3 81,6%

8 Kinh doanh ngoai to va phai sinh 12,95 12,36 20,97 169,7%

9 Thu ng ngoai bang 0,62 0,05 2,5 5.000%

10 Du ng tin dung TDH 5.112 4.800 4.249 88,5%

Gin chn: Chi tieu HDV binh quan, HDV cugi ky da loci trir phan tien giri cua to chic ghi nhan cho cac Chi nhanh BIDV. 2. Dinh gia cu the cac mat hoat do, ng 2.1. Cong tdc huy ding van: a. Cong tdc di'du hanh huy dOng von, lai suit,: - Tuan thu va thuc hien dieu chinh lai suit kip theri theo cac cong van chi ciao ye lai suit cua NHNN va cua HOi sa chinh. - Theo sat va phan tich dien bin thi trirOng huy dOng von, tich cuc thu but nguon tien giri vii chinh sach 15i suit phu hap dp dung cho tirng dgi tirgng khach hang. -

Can dgi va sir dung von hang ngay mot cach linh hoat, tie't kiem, phuc vu tot nhu cau thanh toan cua khach hang.

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- Trien khai day du cac chuang trinh, san pham huy dOng Win theo dung twang dan, chi dao caa H.O.

b. Kit gud dgt duvc: D Ve quy ma nguan van:

- Den ngay 31/12/2013, ding ngu6n vein huy d6ng caa Chi nhanh dat 25.705 ty ding, hoan thanh 99,6% k6 hoach nam; trong dO:

+ Huy dOng von tir khach hang doanh nghiep dat 16.705 ty' ding. + Huy Ong vein tit khach hang DCTC dat 6.318 ty ding. + Huy Ong von tir khach hang ca nhan dat 2.681 ty ding. So von nam 2012, huy d(ing vein cu6i ky giam 2.497 ty ding, nguon An sat giam

tap trung chit y6u vao cac ngay cu6i nam do khach hang co nhu cau sir diving lien girl d6 nOp ngan sach hoac chi tra lucmg, thuemg, co the:

PVN giam 2.000 ty ding n6p ngan sach Nha nuerc Viettel giam 2.800 ty ding de n6p ngan sach Nha mr6c va thanh town lucmg. Ngoai ra, theo chi dao caa H.O, Chi nhanh giam 1.620 ty ding, 34 trieu USD dm

VDB. HDV binh quan d6n 31/12/2013 dat 26.363 ty ding, tang 4.714 ty ding so von nam

2012, hoan thanh 100,2% KH nam 2013 (KH: 26.300 ty ding). > T4 co. odu nguan von:

Theo ky han tien gni HDV ngSn flan HDV trung dai han

21%

Theo Logi tien HDV VND HDV ngoai tg

8%

Theo dOi tulyng HDV TCKT HDV DCTC HEW dan ctr

10%

040

jRl

3

bie'n ngu an van nam 2013 nhu. sau:

35000,0 30000,0 25000,0 20000,0 15000,0 10000,0

5000,0 ,0

HMI cu6i ky HDV BQ

\N1' rs'clj> fc/D es?,

Ps 1) \ v-ty 1.5) ty ty 4'),

.sN.` ,s1.` ,61' \ VI'S19

vai Vinacomin theo cong van so 3543/CV-QHKHDN ngay 24/06/2013 quy mo 50 tri0 USD 1(5/ han den 4 thang.

+ Chi dao cho vay uu dai gOi tin dung 5.000 ty VND; + Trien khai thuc hien nguan van EIB 150 trieu EUR; + Huang dan g6i tin dung USD uu dai cho nhom KHDN xang dAu, khi gas; + Chi dao dAy manh trian khai goi tin dung 3000 ty cho vay mua nha 6; + Chi dao dAy manh trien khai cho vay ho trg nha a theo Thong to 11 cua NHNN. + Chi dao tin dung ve viec gia han gOi 5000 ty' vay ngtn han VND den 31/10/2013; + Huang can ba sung g6i tin dung uu dai USD dai vai nham KHDN xang &Au, khi

gas; - Ve quan tri rai ro tin dung: Chi nhanh da thuc hien barn sat tinh hinh hog dang kinh doanh cua khach hang, don d6c khach hang tra nq gac, lAi dung han. b.ledt qua dot dwoc: b.l. Quy mo tin dung: - Den het 31/12/2013, du nq tin dung dm Chi nhanh la 10.566 ty clang, dat 99,8% KH 2013 (KH 2013: 10.589 tS, clang) va tang 3,2% so vai nam 2012. Du nq tin dung Binh quan dat 11.675 tS, clang. - Trong nam 2013 chi nhanh cid thuc hien chuyen giao du nq ha trg cac don vi thanh vie'n theo dimg chi dao dm H.0, bao gam:

+ Chuyen giao 128 ty dog du nq ban le cho chi nhanh Hang Ha. NI + Chuyen giao toan ba du nq cua Pvtex 1.080 ty' dang ve HSC thong thang

12/2013. + Chuyen giao toan ba du nq cda Cong ty TNHH Saturn 470,8 ty dang va 160 tS,

clang cua CTCP Thuy dien H6 Ban sang chi nhanh Hai Ba Trung. + Chuyen giao du nq 100 ty clang cua C6ng ty Dich vv. Mesa de h6- trq Chi nhanh

Ph6 Yen theo chi dao cua Ngan hang TMCP DAu to va phat trien Viet Nam. + Thtrc hien ban nq cho VRB 07 khoan vay vOi tang du nq den 31/12/2013 la

400,7 ty dong, bao gam cac doanh nghiep nhu Ban quan 1y dien 1, Mai Linh Bong Do, Xi mang Ha Long, TAp doan &Ong nghe CMC, Tang hgp 1 Viet Nam, VTC truyen thong ttuc tuyen va CTCP Dien mien bic 2.

Nhu 4y, n6u khong thuc hien chuyen giao va ho trg du nq nhu tren thi tang du nq dm chi nhanh Sa giao dich 1 an het 31/12/2013 dat dugc la 12.901 ty' dang, tang 26,1% so vai nam 2012. - Dan bien quy ma tin dung nam 2013 nhu sau:

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Theo loaf tisk n Ngoai to VND

19%

Theo dOi ttrong Dir no. KHDN Dir no. ban le

3%

Phan theo ky han DNTD Ng'an han

DNTD Trung dai han

14000,0

12000,0

10000,0

8000,0

6000,0

4000,0

2000,0

,0

Du' no' tin dung thong tluffing

Dir no tin dung BQ

N N m m m m m m Cr m m m 1-11 1-1 r-I N N N 1-1 1-1 N N %-1 r-I r-I r-I 0 0 0 0 0 0 0 0 0 0 0 0 0 0 N N N N N N N N N N N N N N fn It/ N al 0 1-1

H I- I- I- I- I- I- I- I- I- 1-1 I-

Ca ciiu tin dung cle'n het 31/12/2013:

b.2. Chat luyng tin dung, phan log! no', xi"( ly ny: - Nq qua han thM diem 31/12/2013 la 21,94 ty deng, chiem 0,21% tong du ng. - Thuc hien phan loai ng theo dieu 7 Quyet dinh 493 dm Ngan hang nha mac Viet Nam va cac van ban huang dan cua BIDV. Ket qua phan loai no. den 31/12/2013:

Nq nhom 1 : 9.552 ty dOng, chiem 90,4% tong du no.. Ng nhom 2 : 977 ty deng, chiem 9,2% tong du ng. Nq nhom 3-5 : 37,68 ty &Ong, chiem ty le 0,36% tong du ng.

Lai treo: den het ngay 31/12/2013, du lai treo dm chi nhanh la 61,73 ty deng (KH la 65,84 ty d6'ng). Du lai treo cua Chi nhanh tap trung a cac khach hang dang gap kho khan nhu Cong ty thiet bi phu tfing (26,83 ty Xay lap dAu khi Ha N6i (23,76 ty

CTCP SX va XNK QT (3,22 ty deng), Constrexim Hong Ha (1,37 ty d6ng)...Viec thu hoi va thuc hien dam bao quan ly chi tieu lai treo khong vugt ke hoach dugc giao da the hien su no luc dm chi nhanh S6 giao dich 1 trong nam vira qua. - Thu ng HTNB: Chi nhanh da thuc hien danh gia chi ti6t tinh hinh khach hang tir do lua chon cac hinh thirc phu hgp trong cong tac thu h6i ng ngoai bang. Ben canh viec don d6c khach hang thuc hien phat mai tai san bao dam, chi nhanh ding day mph cong tac

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ban ng. Den If& ngay 31/12/2013 da thu hai dugc 2,52 ty clang ng hach town ngoai bang, hoan thanh vugt mgc kt hoach dugc giao (KH giao thu nq ngoai bang nom 2013 la 50 trieu clang). - Trich lap DPRR: Trong nom Chi nhanh thgc hien trich 39,3 ty' dang du phong theo dung phan loai ng. Hien nay du quy dg phong rui ro dm chi nhanh la 244,3 ty Jiang. b.3. Tinh hinh th(ec hien ha fro. klatich hang kito khan theo Ngiti guy& 810/IVQ-HDQT:

Cong tac thao ga kh6 khan cho khach hang: chi nhanh da thgc hien ra soot tinh hinh hoot Ong, danh gia kha nang tra ng cua cac khach hang c6 quan he tin dung dac biet cac khach hang da thgc hien ca cau ng, khach hang titm An riri ro suy giam kha clang tra ng de c6 bien phap ung xir phu hqp. Tang so khach hang doanh nghiep chi nhanh da ho trg theo cong van 1018/CV-QLTD va Nghi quyet 810 la 30 doanh nghiep vii tang du ng 3.974 tS, clang, chitm 40% tang du ng hien tai va bfing 38,9% tang du ng thai ditm 31/12/2012. Chi nhanh tiep tuc ra scat lai khach hang, xem xet ca cAu lai cac khach hang kh6 khan (ntu co).

Tinh hinh cac khach hang sau khi thu-c hien ha tro.: Sau khi ha trg, hien c6 10 khach hang da co chuytn bien tich cac thong hoot Ong

kinh doanh, dam bao kha nang tra ng, tang du nq ca cau la 1.115 tS, dang, chi'em 9,2% tang du nq oh chi nhanh va chitin 35,7% du ng ca cau. Cac khach hang bao gam Cty XNK tang hgp 1, Tap down Ong nghe CMC, Tap doan Hanaka, Thuy din Ha Ban, Dien lgc dAu khi Bac Kan, DAu tu phat tri6n din mien Bac 2, Tang Ong ty truytn thong da phuang tien, Cty xay lip hoa chAt, dac Net la Cong ty ca phAn may Ho Guam, Cong ty co phAn dugc pham Pharbaco.

So khach hang c6 dAu hieu kha nang tra ng tat han sau khi ca cAu la 5 khach hang vii tang du ng tren 93 tS', clang, chitm 0,77% tang du ng dm chi nhanh va chitm 2,9% ng ca au.

S6 khach hang tiep tic gap kilo khan can sg ho trg cua ngfin hang la 8 khach hang (Cty DAu tu thuang mai dich vi CAu Giiy, Cty Xi mang Ha Long, Cty Hamin Viet Nam, Cty Thiet bi phu tang, Cty DT&PT do thi Long Giang, Cty Ca dien va Xay dirng Viet Nam, Cty Thien Tnrang An, Cty Dien nu6c so 3 Coma3) vii tang du ng 767 ty clang, chitm 7,7% tang du ng dm chi nhanh va chitin 19,5% ng ca cAu. Trong do, 4 khach hang khong co nguan tra ng can phat mai tai san dt thu hai vii tong du ng ca au 198 CS/ clang, chi6rn 1,63% tang du ng dm chi nhanh va chitm 6,2% du ng ca

bao gam Cty san mat va XNK QT, Cty Xfiy lip dAu khi Ha NOi, Cong ty Lien doanh HTV, Cty dAu tu thucmg mai Dong Do. Rieng COng ty Dien may Viet Long da dugc chuyen ngoai bang de tiep tgc theo clOi va ?dr 15, thu hoi nq. Chi nhanh tiep tic ra

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soat va thuc hien cac bien phap ho trg, trong do co ca cau ng cho cac khach hang mai (nau co). 2.3. Hoat d'Ong dich vu : - Thu dich vu rang (chua bao gem KDNT va phai sinh) den 31/12/2013 dat 79,3 ty clang, hoan thanh 81,6% ke hoach nam. - Kat qua thu dich vu rang met se (long dich vu chinh dan 31/12/2013 nhu sau:

Dan vi: oi clang

Chi Wen TH

2012 TH

2013 +/- so viri

2012 Nguyen nhan

Thanh toan 19,34 10,73 - 8,61

Do nam 2013 thay d6i each thirc hach toan chi phi mien giam dia Viettel va Petrolimex da lam tang chi phi dich vu 11,2 ty deng > tang truerng thuc to nam 2013 la 2,3 tY deng

Bao lanh 33,87 30,55 -3,3

Do anh huerng dm nen kinh te, hoat deng ciia cac doanh nghiep xay lap tiep tuc gap kh6 khan da lam anh hung den dich vu bao lanh cua Chi nhanh.

TTTM 14,65 20,3 5,65

Nan tang khach hang c6 su thay del theo huong tang cac doanh nghi'a'p vim va nho nhung c6 phat sinh giao dich nhiau

The 3,2 7,58 4,38 Chi nhanh da tich cue trian khai cac bien phap ban cheo san pham, tan dung mei quan N veri cac khach hang ban buon da phat trien dich vu ban le BSMS 0,95 1,47 0,52

Tin dung 4 2,58 -1,42 Mien/giam phan lan loci phi tin dung theo chi dao dm H.O.

Ngan quy 5,3 1,95 -3,35

Do tir thang 4/2013 thuc hien chuyan giao toan be dich IN kho quy dei vai cac TCTD len Trung tam dich vu kho guy.

- Nam 2013, hoat deng KDNT va PS co nhieu chuyan bien tich cuc: doanh so mua ban ngoai to dat 660,7 trieu USD quy dei lgi nhuan thu tit hoat deng kinh doanh ngoai to

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va phai sinh dat 20,97 ty deng, tang 8,02 tS, deng so vai nam 2012, hoan thanh 170% ke hoach giao.

2.4. Hopi diing ngan hang ban le: Thuc hien chi dao cua BIDV, trong nam 2013, Chi nhanh Sa giao dich 1 da tiep tqc

tich cuc tri6n khai cac hoot dOng ngan hang ban le va dat duqc mOt se ket qua ding ghi nhan, cu the nhu sau:

D072 trieu demg

CHI TIEU ICH 2013 TH 31/12/2013 % HT KHKD

1. TNR tir HD NHBL 71.000 67.163 94,6%

2. HDV Dan cu Cued Icy 2.695.000 2.681.418 99,5%

3. HDV Dan cu binh quan 2.750.000 3.001.774 109,2%

4. DN TDBL cutii kS/ 398.000 316.670 79,6%

5. DN TDBL binh quan 349.000 444.976 127,5%

6. Thu phi dich vu the 5.200 7.384 142,0%

7. Thu phi BSMS 774 1.335 172,5%

8. Thu phi WU 390 331 84,9%

9. Hoa fusing bao hiem ban le 150 98 65,2%

10. Phi tin dung ca nhan 491 (77) -15,7% 11. Phi quan 1y tai khoan ca nhan 604 756 125,2%

12. Thu khac (TT, ngan guy, BL, moi gioi, to van, tai trg thuong mai, dai 15, Ay tilde, IBMB, NH Dien tir, DV khac)

3.238 1.184,11 36,6%

2.5. Hreu qua kinh doanh: - Den 31/12/2013, chenh Lech thu chi dat 779,02 hoan thanh 110,7% ke hoach; Lqi nhuan tru6c thud dat 739,77 tS, deng, hoan thanh 111,3% ke hoach (ad bao gem cac khoan ghi nhan

- Lqi nhuan trtrac thud binh quan/ngu6i dat 2,15 ty dong.

2.6. Cling tac quan trj di'du hanh: - Thuc hien nghiem tfic phan cap, uS, quydn trong quan tri dieu hanh cua Ngan hang TMCP DT&PT Viet Nam; phan cong cong tac 1.6 ngued ro viec den timg cep.

- Tren co s6 KHKD duqc H.0 giao, thuc hien phan giao kd hoach cu the cho cac pheng nghiep vu; dinh 14 hang thang co danh gia mirc d6 hoan thanh, kip th6i thao g6

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cac kho khan, de xuat caa cac phong de tao dieu kik, 118 trq cho cac don vi phAn dAu hoan thanh xuat sac nhiem vu duqc giao. - Duy tri cac cuOc hop giao ban dinh ky dm Ban Giam d6c, gifra Ban Giam d6c vai lanh dao cac phong de cap nhat, danh gia va phan tich tinh hinh thvc hien nhiem vu kinh doanh va phucmg huOng triOn khai hoat dOng trong thai gian tai tai Chi nhanh. - Tiep tuc ra soat, hoan thien cac co ch6, quy trinh nghiep vu dam bao cac hoat dOng kinh doanh dm chi nhanh tuan thu theo dung dinh huang chi dao cua nganh. - Tang cuang chi dao ding tac kiem tra, giam sat phang ngira rai ro nham nfing cao chat luting hoat dOng. 2.7. Cong tac kilm tra nQi b0 - Trong nam 2013, Chi nhanh da tin hanh 14 dot tv kiem tra tren tat ca cac mang nghiep vu: Cong tac tin dung, bao lanh, tai chinh, ke toan, mua ban ngoai te, tai tro thuong mai, mua sam tai san, an toan kho quy, quan ly va van hanh may ATM, Ong nghe thong tin, cong tac khac phuc, chin chinh sau thanh tra, kiem tra... Ket thac cac dot iciOm tra, chi nhanh deu co bao cao ket qua kiem tra, theo doi, don d6c cac phong nghiep vu khic phuic theo kik nghi cua T6 kiem tra va c6 bao cao Ban Giam d6c chi nhanh. - Tip 03 down kiem toan Deloitte kiem toan bao cao tai chinh va 03 down kiem tra cua BIDV ve he thong Intemetbanking/mobile banking; cling tac mua sam, quan 15f, sir dung tai san, nghiep vu kinh doanh ngoai to va phai sinh tai chi nhanh. - Cong tic an toan kho guy: trong nam Chi nhanh da tien hanh 39 dot kiem tra dOt xuat quy tin met, An chi, TSDB, may ATM, phong cach va khong gian lam viec tai quy chinh va cac PGD/QTK; 12 ran thuc hien cong tac giam sat dOt xuat cong tac kiem guy cu6i ngay tai Phong QL&DV kho guy. - Qua cac dqt thanh tra, kiem tra, kiem toan cho thay Chi nhanh da tuan thu, chip hanh tot cac quy dinh, quy che cua phap 1u'at, cua Chinh phu, Ngan hang Nha nuac va cua BIDV gop phan dam bao an toan trong hoat dOng kinh doanh. 2.8. Cling Mc tai chink ke toan - Thvc hien tot cong tac ke toan: hach toan day du, kip thai cac nghiep vu ke Wan phat sinh, tap hop va kiem soat lai chang tir cua tat ca cac phong nghiep vu, kip thai phat hien cac sai sot de chinh sua. Kiem seat thubng xuyen cac tai khoan trung gian, phai thu, phai tra. - Thvc hien cong tac thu chi tai chinh tai chi nhanh Sa giao dich 1 hien qua va theo dfing cac quy dinh cua BIDV. - Thvc hien tot cong tac quyOt toan nam 2013 tren tat ca cac bao cao quyOt town dam bao chat luong va kip th6i gian theo chi dao cua HOi sa chinh. S6 lieu tren cac bao cao Ichap dung vai s6 lieu tren can d6i ke toan

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2.9. COng irk a char can bO: a. Cong tac to chicc, can b0:

- Den 31/12/2013, Chi nhanh Set giao dich 1 ce. 311 can bi) von tuei deti binh quan la 30 tu6i, trong do tren 97,4% se can be .co trinh de Dai h9c va tren Dai h9c. Trong nam 2013, tren co: sit dinh bien lao dOng duqc giao, Chi nhanh dd tuyen d9ng tap trung theo su chap thuan cila H.O 15 can b0, tiep nhan can be chuyen c8ng tac trong he thong BIDV va tuyen dung theo Cong van dm H.O la 19 can b0 - Cong tac quy hoach, b6 nhiem: Nam qua, Chi nhanh duqc tang cuing 01 Phi) Giam dec dieu Ong tir H.O. Ngoai ra, de dap img yeu cau Ong tac, ten ca set phe duyet quy hoach dm H.O, Chi nhanh cid be nhiem 11 can be (trong de 03 can be be nhiem theo ding van dm H.0) b6 nhiem lai 21 can b0, giao nhiem v9 phu trach phong cho 03 can be lanh ciao cap phong. ve co ban s6 can b0 tren dap (mg duqc yeu cau cong tac dieu hanh va can be duqc b6 nhiem phat huy duuc nang luc, set true:mg va hoan thanh xuAt sac nhiem vu duqc giao. - Ong tac luan chuyen can EICE thuc hien luan chuyen dinh 14 theo quy dinh cho cac can b0 thuc dei Wang luan chuyen nhu: Giao dich vien, thu quy kiem ngan, can be tin dung, Giam dee phong Giao dich va luan chuyen de dao tao va phu him veri yeu cau cong tac, nang Luc can N.

b. Cong tac dao tao: Nam 2013, Chi nhanh da cu 887 luut can be thuOc hAu het cac mang nghiep v9

tham gia 70 khoa dao tao, bei dung gip phan nang cao chat Ithung nguen nhan luc dap img ngay met tot han doi hoi cua cong viec.

c. Cong tac tie'n Luang, khen thztOng, &Ong vien: Dinh 14 6 thang/ca ndm, Chi nhanh thuc hien xet hoan thanh va khen thuemg cho

tap the, ca nhan hoan thanh xuAt sac nhiem vu; khen thuemg cong tac quan trI dieu hanh, khen thuerng theo chuyen de cho cac tap the, ca nhan co thanh tich trong cac mat nghiep v9 nhu huy ding vein, kinh doanh ngoai te, ban le, bao 2.10. Cling tic phat trien mang hroi: - Hoan thien viec tach va ban giao Chi nhanh Hong Ha, chuan bi day du co ser vat chat, nguen nhan luc de tao dieu kien cho Chi nhanh Wing Ha hoat dOng on dinh va hieu qua ngay tit nhang ngay dAu thanh lap. - Hoan thien he sa, chuan bi co se vat chat a nang cap 02 Quy tiet kiem thanh Phong giao dich khi duqc NHNN chap thuan 2.11. Cling tac Bang, doan the:

a. Cling tac Hang:

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- Hien nay, Dang be CN SO giao dich 1 c6 06 Chi be) truc thuec va 91 Dang vien (73 Ding vien chinh thirc va 18 Dang vien du bi). Ngoai ra CO 07 d/c da duqc Bang fly BIDV ra quy& dinh ket nap Ding, Chi nhanh dang lam thu tuc ket nap theo quy dinh. - Lam t6t cong tac b6i duerng va ket nap nhimg quan chi:mg uu to vao trong hang ngil dm Bang. Trong nam, da de nghi Ding uY Cap tren ket nap Ding cho 19 d6ng chi, cong nhan cam tinh Bang cho 31 dtmg chi. - Trong nam Bang be, Chi nhanh to chirc quan triet hoc tap nghi quyet Hei nghi lan

VI, VII Ban chap hanh TW khoa 11 cho can be . b. Cong doan va Doan Thanh nien:

- C8ng doan va Doan thanh nien da ph6i hop cling chinh quyen chi dao thuc hien t6t ding tac giao diic, tuyen truyen cho dean vien, thuc hien t6t cong tac xay dung to chirc Cong doan, Doan thanh nien vfmg manh, cham lo dtri song va dam bao thu nhap on dinh cho nguoi lao deng; to chirc nhieu cuec thi, tham quan, giao luu, cac phong trao van h6a, the thao nhim too su gin ket gicra can bo trong ca quan. T6 chirc giao luu Gala Sport 2013, Gala Noel 2013 de tang tinh doan ket gra cac phong ban, giita toan the CBNV; Duy tri heat deng dm 04 CLB Tennis, Cau long, B6ng ban, Bang dd. - Ngoai ra, Cong doan da ph6i hop veri chinh quyen b6 tri de dean vien tham gia cac hoat Ong van h6a the thao do C8ng doan BIDV to chirc nhu: tham gia Hei diin van nghe Khu vtrc II, Cuec thi tieng hat BIDV lin thtir 2,... - Tich clic trien khai ding tic an sinh xa hei theo dung cac chu twang, chi dao cua Hei str chinh. Ket qua co the:

+ 100% can be tham gia Ung he cac clgt an sinh xa hei; + Ung he bing den 5 quy xa hei tir thien la 462.100.000 dling; + Ung he gOp qua cho ngutri ngheo nhan dip yet QuS, ty 2013: 80.700.000 ding. + Tham gia cuec van deng vi Tru?mg Sa than yeu: 117.900.000 d6ng. + Ung he dong bao Mien Trung: 160.000.000 &Ong. Ngoai ra, Chi nhanh con chu Ong tham gia cac chucmg trinh xa hei tir thien nhu:

ling he xay nha firth nglifa; tham gia cac chucmg trinh an sinh xa hei cling cac Ban H.0 va cac Chi nhanh khac cua BIDV 3. Cong tic nghien ctiu khoa hoc:

Trong nam 2013, Hei ding khoa hoc Chi nhanh da quy& dinh Iva chon, khuyen khich va tiep tic phat trien 01 de tai khoa hoc va met s6 sang kien cai tien ding viec. Cac de tai, sang kien cai tien cong viec la cac de tai c6 tinh kha thi cao va &roc kiem nghiem qua thuc te. Cac de tai da nghiem thu khi trien khai vao thuc tien da phat huy tee dung tich clic, dap ling tot ham cac yeu cAu cong viec. III. Nhitng ket qui dot duvc vi ton tai, hon che:

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1. Nhting ket qua chat duvc: - Cong tac quan tri dieu hanh minh bach, na rang vai su phan ding, phan nhiem cu the, na nguai r6 viec tao tinh chit' dQng gan vai trach nhiem nham trien khai c6 hieu qua chuong trinh hanh dang dm Chi nhanh va tang don vi true thuOc. - Barn sat cac dinh huang va mac tieu hoat d6ng cua BIDV de cu the hoa thanh mac tieu hoat dOng kinh doanh cua don vi. - Chit dOng trien khai KHKD tai tang phOng, tang can b0 ngay tir nhung ngay dau, thang dau; danh gia tinh hinh thuc hien ke hoach theo timg than, quS, vai cac bien phap, giai phap thiet thvc nham quyet tam phan dau hoan thanh tot nhat cac nhiem vv dugc giao. - Chit tong co eau lai ngu6n von huy dOng, tap trung thvc hien cac giii phap de gia tang ngu6n von huy clang khong IcS/ han a giam chi phi von qua do gia tang hieu qua hoat dOng. - Chap hanh tat chi dao dieu hanh dm H.0 trong hoat dOng tin dung ve tham quyen, giai han, ca cau, xir ly ng xdu... dam bao cong tac tin dung dm chi nhanh S6 giao dich 1 duac an toan, chat luang va hieu qua. Timg buck chuyen dich ca cau khach hang; tap trung gia tang va phat then khach hang mai, khach hang tiem nang va c6 nang lvc tai chinh On dinh. Trong nam 2013, Chi nhanh da thiet 1ap quan he tin dung vai tren 30 khach hang mai. - De luting don nhang anh htrang cua Th6ng to 02/TT-NHNN dai vai chat luting tin dung trong nam 2014, Chi nhanh da ra soat town b0 nen khach hang hien co de nam bit cu the tinh hinh tai chinh cua tirng khach hang. Doi vai cac khach hang gap Icho khan, Chi nhanh chit dOng, tich ctrc lam viec vai khach hang, cac TCTD khac dang co quan he tin dung vai khach hang de phai hgp de xuAt phuong an than g6 khO khan cho khach hang va dam bao hai hoa lgi ich cua BIDV va cac TCTD khac. - Tich cvc day math cac hoat &Ong dich vv den khach hang, ben canh viec phat then cac dich vv truyen thong, co the mph, nam 2013, Chi nhanh da tap trung phat trien cac san pham dich vv ban le, tan dung tot cac m6i quan he vai khach hang to chirc trien khai ban cheo san pham; hoat dOng ngan hang ban le nam 2013 co buac tang twang vuot bac cave quy m6 va hieu qua. - Nang cao chat luting hoat dOng, tit giam chi tieu de tang lqi nhuan va nang suat lao dang. - Cong tac kiem tra, kiem sok lam dirac dat len hang dau a dam bao tuan tha phip luat, thvc hien nghiem tac cac ca che, quy trinh, quy che. - T6 chic quan ly mang luoi mat each khoa hoc nham khai thac t6i da tiem nang phat trien cua dia ban hoat dOng a dong gap vao hoat dOng kinh doanh dm Chi nhanh.

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Trong nom da hoan thien viec thanh lap Chi nhanh fling Ha theo dting chi dao va dinh huemg cita Ban Lath doo. - Cong tic nghien ciru khoa hoc luon dugc chit tong va day mph de khuyen khich phat huy sang kien nham cai tien, nang cao nang suit va hien qua kinh doanh. 2. Hyn che, ton - Do nhcmg tic ding chung nen thu dich vi ring nom 2013 giam so veri nom truck va chua hoan thanh dugc Ice hooch dugc giao. - Du no ban le tuy da c6 tang truing mph so vai nom tnrac (tang gin 70 tjr dOng) nhung so veri quy mo tong du no dm Chi nhanh thi tSr le du no ban le van 6 mirc kha khiem ton. - Mac di' da chit tong cai thin co cau ngubn yin huy Ong nhung nhin chung nguOn vin dm Chi nhanh van phi thubc chit yecu vao mot so khach hang 16n nen mitt di on dinh va kha nang chit' ding trong c8ng tic dieu hanh von can chua cao.

PHAN II: TRQNG TAM CONG TAC NAM 2014: I. NhiOm vy tryng tam ciia town hg thong:

Tiep tic barn sat tap trung trien khai tit Phucmg an tai ca cau giai door' 2013 2015 va tap trung thoc hien ke hoach kinh doanh ngay tir nhung ngay dau, thing dau, phA.n dAu hoan thanh cao nhAt Ice hoach kinh doanh nom 2014. - Tang twang tin ding co hieu qua, phi' hop vai nen von huy dbng, tap trung vao nhom nganh tru tien a he trg tang tnremg kinh to 6 mirc hop b'r, thdo ga kh6 khan trong san xuAt kinh doanh, ho trg thi tnrang, thus day tang twang kinh - Quyet liet xir 1S, no xau, tang cuing kiem soot chit luting va ca cau tin ding dam bao an toan N thing. - Tang cuing nang loc tai chinh, can frac loi Tai san no - Tai san co ten co sa dinh vi loi nen khach hang tien giri, tien vay. - Quan 1S1 tai chinh hieu qua, ti& ki'em chi phi va phan phi thu nhap mot cach cong bang, cong khai, minh bach de too ra ding loc va dp loc trong hoot ding. - Tiep tic kien toan, cau trite loi mo hinh to chirc kinh doanh ten toan he thing; dei mai phat trien ngubn nhan loc nham nang cao 'tang suit lao Ong. - Day mph cac giai phap nang cao nang loc quan tri dieu hanh. - Tiep tic ca cau loi mpg luoi hoot Ong, nang cao hieu qua ming lueri truyen thong va ming lueri ngan hang lien ter. - Cting c6, nang cao vai tri va uy tin BIDV ten thi truing qu6c t6. - Thoc hien dung den di, dam bao chit luting mit s6 trong tam khdc (cong tic an sinh xa. hii, Cong tic Ding, Cong loan, Doan thanh nien...).

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II. Tryng tam cong tic cia Chi nhinh S& giao dich 1: 1. Tap trung toan hrc, chu trung phat trien tren timg mat nghiep vu, phan d'Au hoan thanh tot nhat cac chi tieu ke h6ach kinh doanh nam 2014 ducc giao. 2. Cong tic huy clang van: - Quan triet thqc hien muc tieu tang truing huy dOng von theo dOng dinh twang, chi dao cna BIDV. - Tiep tic cac giai phap, Nen Oar) phu hqp de gia tang nguen van huy dOng vdri chi phi thap nham dam bao quy mo va lqi nhuan. Doi vii cac khach hang c6 quan he tin dung, de nghi khach hang chuyen doanh thu ve tai khoan tai Chi nhanh de gia tang ngu6n yin khong ky han. - Tuan thu nghiem tfic cac chu truing, chi dao cia H.0 ve lai suit huy dOng yin, xay dtmg co the tai suit canh tranh, linh hoat deng thai van dam bao hien qua kinh doanh cia Chi nhanh. - Van dung c6 hieu qua cac co che, chinh sach dOng lqc trong cong Lac huy dOng yin a duy tri m6i quan 110 vii khach hang cling nhu khuyen khich can b6. 3. Ging tic tin dyng: - Nghiem tdc tuan thu cac chi dao ve tin dung cua NHNN va cua BIDV theo timg thin 14. - Day manh tang truing tin dung co hieu qua, tap trung phat then du nq tin dung ngan han; trien khai day du cac chucmg trinh/goi tin dung theo dung huang din dm BIDV. - Tiep tic co ciu va chuyen dich nen khach hang de tao dqng mOt nen khach hang him 1S/, ben yang va mang lai hien qua cao. - Barn sat va theo doi tinh hinh hog dOng cua timg khach hang, kip thai ho trq thao go cho cac khach hang khO khan. - Quyet Het kiem soat va nang cao chat luqng tin dung tai Chi nhanh, ra soat lai danh muc nq xau, giao chi tieu thu hei nq xAu cho timg dim vi, timg can 1)0; tuyet d6i han the viec phat sinh them nq xan, ng kho doi, nq c6 van de. Tich cqc day manh cong tic thu hei nq hach toan ngoai bang. - Tiep tpc thqc hien ra soat ky luong quy mo, chat lugng tin dung tai Chi nhanh; luting don va co bien phap xir 1S7 dai von nhUng anh huang dm Thong to 02/TT-NHNN khi c6 hieu luc. 4. Cling tic dich vu: - Tap trung phat trien cac loai hinh dich vu c6 the manh dm Chi nhanh; ding thai thuc hien trien khai cac dich vu mai, dich vu ban Id mOt cach co hieu qua.

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- Tan dung mai quan he vii cac khach hang to chirc hien c6 de phat trien djch vu ban cheo san phim, phin diu trong nam 2014 tat ca cac khach hang to chic dang co quan he tai Chi nhanh deu sir dung san phim djch vu ban le cua BIDV. - Tich coc tiep can ai \red cac khach hang xuAt khAu; dAy manh thu kinh doanh ngoai to va phat sinh de gop phin gia tang thu djch vu remg. 5. Cling tic marketing, phat trien khich hang: - Quail triet muc tieu gia tang va m6 Ong nen khach hang den tang can b0 tai Chi nhanh a da clang hoa d6i tunng khach hang, giam din sir pho thu0c vao cac khach hang lan. - Nghien cfru giao chi tieu phat trien khach hang den cac phong nghiep vu va xay dkmg ca the khuyen khich d6i v6i phong hoan thanh ke hooch. - Xay dung cac chucmg trinh marketing, cham sac khach hang phi hep vii tang dOi tuqng, tang khach hang co the. - Sir dung linh hoot cac co che, chinh sach c6a BIDV de thu hat va gia tang khach hang mai. 6. Cfic trQng tam khfic: - Thuang xuyen kiem tra vie'c chip hanh quy cif& quy trinh trong hoat gong. Chi' tong ding tic quan ly rui ro, cong tic kiem tra, kiem town n0i b0, phat hien va ngan chan kip thai cac rui ro tiem An. Thoc hien nghiem tic cac khuyen nghi, khic phoc, chin chinh sau thanh tra, kiem tra. - Thoc hien tot cong tic hach toan ke than, cong tic hau kiem, cong tic chi tieu tai dam vi. - Tiet kiem cac chi phi trong hoat dOng kinh doanh theo Nghi quy& cua HOi deing quan tri va chucmg trinh hanh (king dm Chi nhanh Ser giao dich 1. - Dam bao quyen lgi hop phap va quan tam cai thien dai sting dm nguai lao Ong.

PHAN III: KHO KHAN, VU ONG MAC VA DE XUAT, MEN NGHI: 1. Dinh Innfrng KHKD nam 2014:

Theo dinh huang ke hoach kinh doanh nam 2014 H.0 giao cho CN Ser giao dich 1, huy &Ong vein tang twang 9%, du no tin dung tang truing 10,5%, thu dich vu rang tang truing 18,6% trong khi do chenh lech thu chi tang truing 31,4%. Nhu vAy de hoan thanh duqc chi tieu chenh lech thu chi vii quy mo huy dOng von, DNTD va thu dich vu rang dugc giao thi bit buOc Chi nhanh phai gia tang NIM. Dieu nay rat kh6 thoc hien va khong phi' hop vii dac thu hoat dOng cfing nhu nen khach hang tai Chi nhanh do m0t se nguyen nhan sau:

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- PhAn lan khach hang dm Chi nhanh la khach hang lan, cac Tap doan, TOng Ging ty; day la cac khach hang dtrqc cham sac, canh tranh rat lan tir cac NHTM khac; do do viec gia tang NIM cira cac khach hang nay se rat kho khan. - D6i vai cac khach hang la doanh nghiep vira va nh6, co kha nang gia tang NIM thi quy mo khong lan. - Khoang 25% du nq dm Chi nhanh tap trung a cac khoan vay cua melt s6 khach hang lan (EVN, TKV, C8ng ty CP Xi mang Ha Long...) hoac da c6 cam kit ve lai suAt cho vay (lai suAt cho vay theo Libor, Sibor) co chinh lech fat thap (< 1%). Dieu nay da lam anh huang manh den NIM tin dung chung dm Chi nhanh. - Viec gia tang NIM doi vai khach hang ca nhan cimg kh8ng de clang do day la di Wang khach hang thuang xuyen co su so sanh lai suAt giaa cac NHTM de hp chip.

Vi vriy, dE cac chi lieu Id hooch giao duvc sat vOi thwc d hoot (king cling nhw too ding Iwc cho Chi nluinh phan diiu, dd xuat 11(ii sa chinh xem zit dieu chinh chi lieu chink l?ch thu chi djnh hutting giao cho Chi nlinh. 2. Cong tic huy Ong von:

De 118 trq Chi nhanh trong viec day manh cong tac huy dung von nom 2014, dac biet la nguiln Vein khong ky han vai chi phi dial) a nghj H.O xem xet co ca the thuang huy dOng win dOi vai nhang chi nhanh co NIMHDy cao, &ling thai tang ty le thuang huy dOng v6n qua quy thu nhap va b6 sung djnh mix chi quan ly cong vu phuc vu hoat ding huy ding von. Ngoai ra, de nghj xay dung ca the thuang duy tri va tang tnrang vai nguOn v6n kh8ng ky han. 3. Ging tae tin dung: - Nam 2014, Chi nhanh xay dung ke hoach tin dung cu6i ky la 14.119 ty dling; de tao dieu kien cho Chi nhanh linh hog trong viec dieu hanh cong tic tin dung, de nghi H.O chap thuan cho Chi nhanh ducc vuqt giai han tin dung trong ky, dam boo du nq cu6i ky khong vuo ke hoach giao. - Xay dung cac chinh sfich, goi tin dung dac thu, linh hoat cho cac khach hang km, khach hang chitin luqc de dam boo phuc vu Wit va kip thai cac nhu cAu cua khach hang. - Giam FTP ban v6n doi vai cac khach hang lan, hoot ding an hieu qua toan trong giai clop thira ngu6n de kip thai phuc vu khach hang, nang cao kha nang canh tranh cua BIDV dOng thai sir dung ngu6n von hieu qua han. - Hien tai, viec mua nq d6i vai khach hang &lac BIDV quy djnh tai Quyet djnh 6127/QD-QLTD ngay 4/10/2013. Theo do, Chi nhanh duqc uy quyen mua nq dOi vai cac khoan nq thuOc thAm quyen phan quy& cila Chi nhanh. Quy the mua ban nq cling da duqc Quy djnh tam thai tai Quyet djnh 379/QD-HDQT ngay 31/08/2007. De nghi

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TONG 1411.I eSPHAN ok, IU VA P TMICH

VItT NA *

CHI NHANH sa GIAO fACH

O NGAN H G

H.0 xay dung quy trinh mua ng cua cac TCTD (tai Chi nhanh va tai H6i sec chinh) nham tim kiem cac khach hang tat.

4. Thu dich vu rung: - De xua't H.O xem xet loaf trir cac khoan phi dich vu mien giam cho Viettel, phi thu dich vu khac do chenh Lech ty gia ngoai te, phi dich vu kho quy khi chuyen giao phAn nep rut ngoai to ve Trung tam quan lY va dich vu kho quy khi tinh ke hoach thu dich vu rOng nam 2014 giao cho Chi nhanh (Chi nhanh da ttr loai trir khi xay ke hoach thu dich vu rong nam 2014). - De nghi H.O c6 danh gia cu the thi truOng ngoai h6i nam 2014 de tinh toan ke hoach giao cho Chi nhanh.

Ngan hang TMCP DT&PT Viet Nam - Chi nhdnh So giao dick 1 kinh bdo ctio!

KT. GIAM DOC Ncri nh4n: (... ban) - Ngan hang TMCP DT&PT VN I (d6 b/cao); - Ban KHCL ; - Ban Giam d6c CN SGD1; - Cac phong CN SGD 1 ; - Lau VP, KHTH4,

PHO GA NA DOC irguyin 4n

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