^ Tang 8-Vincom Center, 72 Le Thanh Ton &45A LyTUTrong, P. Ben Nghe, Q.1,TP.HCM, Viet Nam

S (84 8)38210056 #(84 8)38216913 © Swift: EBVIVNVX -^ www.eximbank.com.vn

BAO CAO CUA BAN KIEM SOATVE HOAT DONG NAM 2016 VA DINH HIT0NG NAM 2017

Kinh trinh: DAI HOI DONG CO DONG

Can cic vdo chicc ndng nhiem vy cua Ban Kiem sodt ("BKS") duqc quy dinh trong

Ludt Cac to chicc tin dung 2010; Dieu le cua Ngdn hang TMCP Xudt Nhqp KhduViet Nam ("Eximbank") vd Quy che To chuc vd hoqt dong cua BKS;

Can cic Quy che qudn tri Cong ty dp dung cho Cong ty niem yet;

Can cic tinh hinh hoqt dong ciia Ngdn hang TMCP Xudt Nhqp Khdu Viet Nam, baocdo cua Hoi ding qudn tri ("HDQT"), Ban dieu hdnh ("BDH") vd kit qua hoqt

dong ciia BKS trong nam 2016;

BKS Ngan hang TMCP Xuat Nhap Khau Viet Nam ("Eximbank") xin bao cao truocDai hoi dong Co dong Ngan hang TMCP Xuit Nhap KMu Viet Nam ("DHDCD") cacnoi dung nhu sau:

I. HOAT DONG CUA BKS TRONG NAM 2016:Tu ngay 15/12/2015, BKS nhiem ky VI (2015-2020) ti^p nhan nhiem vu, g6m 05

thanh vien, trong do co 01 Truong Ban, 03 thanh vien chuyen trach va 01 thanh vien

khong chuyen trach.

True thuoc BKS co Ban Kim toan noi bo (KTNB).

Trong nam 2016 BKS da thuc hien va hoan thanh cac nhiem vu dugc qui dinh taiDieu le to chuc va hoat dong cua Eximbank bao gom cac noi dung chinh nhu sau:

1. Giam sat cac hoat dong va viec tuan thu cua Eximbank theo quy djnh cua

phap luat va dieu If Eximbank:

De giam sat viec tuan thu cac quy dinh trong cong tac quan tri, dieu hanh ngan hang

cua HDQT, BDH Eximbank, trong nam 2016, Truong BKS va cac thanh vien da tham

gia 25 cuoc hop cua HDQT, 12 cuoc hop giao ban, tong k6t giua HDQT- BKS - BDH.Tai cac phien hop nay, BKS da cung tham gia thao luan, dua ra khuy^n nghi, canh bao va

dong gop y kien vao cac noi dung cua tung phien hop, dac biet la cac noi dung lien quan

den viec thuc hien Nghi quyet DHDCD va cong tac to chuc DHDCD nam 2016. Ben

canh do, BKS cung quan tarn, phan hoi tat ca van de thac mac, de nghi cua co dong va

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DAI HOI DONG CO DONG THl/CflVG MEN EXIMBANK NAM 2017(DAI H0I DONG CO DONG LAN THLT 33)

Tp.HCM, Ngdy..'.3. thdng..4.ndm.JLO.J^^D^THAO

C0NG HOA XA H0ICHU NGHIA VIET NAM

2/9

thuc hien ke hoach ho^t dong kinh doanh theo cac chi tieu du kiln trinh DHDCD2016 va da dat dugc nhung con si kha quan.

Ben canh viec giam sat hoat dong kinh doanh, BKS cung da tilp nhan, xem xet va

phoi hgp vai HDQT de phan hoi va thuc hien cac kiln nghi cua cac c6 dong, nhom codong cung nhu chi dao cua Ngan hang Nha Nuac doi vai hoat dong cua Eximbank va

cong tac to chuc DHDCD.

3. Thuc hien cong tac KTNB:

Tinh din 31/12/2016 , Bo may KTNB Eximbank co 72 nhan su gom 01 Truangban, 02 Pho ban va 69 kilm toan vien, nhan vien.

nhom co dong lien quan den tinh hinh hoat dong cua EIB va cac noi dung lien quan den

DHDCD nam 2016, dong thai khuyen nghi HDQT thuc hien mot s6 yeu cau hop phapcua co dong va nhom co dong.

Trong n&m 2016, BKS da to chuc 59 phien hop, trong do co mot so phien hop co su

tham gia cua Lanh dao KTNB de thao luan, trien khai va thuc hien chuc nang nhi^m vu

giam sat hoat dong tai Eximbank. BKS cung da lien tuc co cac buoi hop cung vbi Ban

KTNB de tang cuang cong tac chi dao doi vai cong tac KTNB trong toan he thong, cong

tac theo doi, don doc Hoi so, cac Chi nhanh, Phong giao dich kh&c phuc chinh siia cackiln nghi cua Co quan Thanh Tra Ngan Hang Nha Nuac, BKS, Ban KTNB. Kit qua

khac phuc chinh sura cua Don vi cung la m6t phan chi tieu xep hang rui ro cua Dan vi.

De tang cuang cong tac giam sat hoat dong, hang tuan, hang thang, hang quy, BKS

deu chi dao KTNB thuc hien cac bao cao theo doi tinh hinh hoat dong kinh doanh cuaEximbank, trong do theo doi viec thuc hien ke hoach kinh doanh; viec tuan thu cac ty le

dam bao an toan trong hoat dong; ca cau nguon von - tai san va hieu qua mang lai tu cacau do; can dli ky han dam bao tinh thanh khoan; theo doi na qua han, no ca ciu, na ban

VAMC; cong tac trich lap va su dung du phong rui ro; cong tac dau tu tai chinh cung nhu

cong tac dau tu, khai thac tai san co dinh, tai san can tru na,...

Thong qua ket qua giam sat, BKS da kip thai ghi nhan nhirng ton tai trong qua trinhhoat dong, dua ra nhung de xuat, kiln nghi vai HDQT, BDH cac bien phap tang cuong

kiem soat, siia doi/hoan thien quy trinh, quy dinh noi b<?,... nh^m han chi, giam thilu rui

ro, dam bao tuan thu cac quy dinh cua phap luat, nang cao chat luang va hieu qua hoat

dong.

2. Giam sat viec thuc hien cac nghi quyet cua DHDCD:

Trong nam 2016, Eximbank da to chuc 02 lln DHDCD thu^ng nien (29/04/2016 va24/05/2016) nhung chua duqc DHDCD thong qua Nghi quylt Dai hoi. Tilp do,

Eximbank du kien to chuc DHDCD bat thuang vao ngay 02/08/2016, tuy nhien van chuathuc hien dugc. Theo do, cac dinh huang va muc tieu kinh doanh trong nam 2016 van

chua dugc DHDCD thong qua.

?%^\Mac du trong boi canh nen kinh te con nhieu kho khan cung nhu su canh tranh

manh me cua cac to chuc tin dung khac, HDQT, BKS va BDH vain quylt tarn phln dau

3/9

Theo ke hoych kiem todn ndm 2016 c6 53 dgrt kiem todn, tuy nhien trong ndm 2016,Ca quan Thanh tra, gidm gidt NHNN dd tien hdnh thanh tra, kiem tra tai 39 Chi nhdnh vdHOi sd chinh cua Eximbank. Do d6, de phu hyp vdi tinh hinh thyc te vd theo dinh hudngrui ro, BKS da chi dao Ban KTNB dieu chinh k^ hoach kiem toan, thyc hign 33 dot kiemtoan gdm 18 Phdng ban H^i sd vd 15 Chi nhanh, PGD. Doi vdi cdc dodn kiem toan, BKSdeu cd phan cong cac thanh vien BKS phy trdch doan kiem toan de giam sat chat chg vacd chi dao xuyen suot trong qua trinh kiem toan, tham gia hQp thong qua ket qud kiemtoan nhdm ddm bdo chdt luyng kiem toan cung nhu ddnh gia khdch quan, thyc chat tinhhinh hoyt dOng cua cac Don v| duyc kiem toan. Ket qu& kiem toan da dua ra 4.315khuyen nghj de H^i sd vd cdc don vi du^c kiem toan khic phuc/bo sung/chinh sura cac

sai sot nh^m han che rui ro trong hoat dQng; trong dd cd 703 khuyen nghi doi vdi HOi sdlien quan den quy trinh, quy che nh^m gdp phan ng^n ngua rui ro, dam bdo chat che hontrong hoat dpng.

BKS cung chi dao KTNB theo ddi va b^o cdo hang thang tinh hinh khic phyc chinh

sda cua HOi sd, Chi nhanh, Phdng giao dich doi vdi cdc kien nghi cua Ket luan Thanh tra,cd v3n bdn don doc doi vdi cdc Don vj cham khic phuc chinh sda.

Ket qua kiem todn cho thay ve co bdn cdc don vj dugrc kiem todn da tuan thu quytrinh, quy dinh ve cdc mdt ho^t dOng. Cdc ton tai, sai sot ghi nhan tai bdo cdo kiem todnda dugc cdc don vj nghiem tuc rut kinh nghigm vd tich cue tang cudng ede bien phdpgidm sdt, qudn ly nhim khic phyc ton tai sai sot. Tuy nhien, so ton tai, sai sot den naychua khic phuc chinh sda con khodng 38%.

De chuan hda cong tac KTNB vd thiet lap ca sd xay dyng ke hoach KTNB hangndm dya tren mdc dO rui ro cua tdng Don vj, BKS nhigm ky VI cung da ban hanh "Sotay KTNB" vd "Quy dinh ve xep loai rui ro doi vdi cdc Chi nhanh, Phdng giao dichEximbank". Thong qua viec dp dung cdc qui dinh nOi bO, cong tac dao tao nQi by, chit

lugng kiem tra, kiem sodt nQi bQ tai Eximbank ngdy cdng dugrc cung co vd nang cao, nQidung KTNB da cd h? thong, tap trung nhieu vdo kiem sodt quy trinh nghiep vy vd hgthong kiem tra, kiem sodt nhim phdt hign, ngdn ngua, han che rui ro trong hoat dong,

ddm bdo tuan thu cdc quy dinh cua ca quan qudn ly nhd nude vd cua Eximbank.

4. Giam sat vigc lap danh sach co dong sang lap, co dong ldn vd ngirdi cd lien

quan cua Thanh vien HDQT, Thanh vien BKS, Tong Giam doc:

BKS thyc hign cong tac gidm sdt vigc lap danh sach co dong sang lap, co dong ldnvd ngudi cd lien quan cua Thanh vien HDQT, Thanh vien BKS, Tong gidm doc theo dinhky. Trong ndm 2016, dng Cao Xuan Ninh - Thanh vien HDQT cd dan xin tur nhiem churcdanh thanh vien HDQT nhigm ky VI (2015-2020) vdi ly do cd nhan. Vigc mien nhigmchuc danh cua dng Cao Xuan Ninh se duyc thyc hign theo quyet dinh cua DHDCD.

Trong ndm 2016 Eximbank cung cd thay doi Tong gidm doc: 6ng Tran Tan Lqc

thdi churc danh Quyen Tong Gidm doc vd Ong Le Vdn Quyet - Thanh vien HDQT duacbo nhigm churc danh Tong gidm doc theo Nghi quyet HDQT so 24/2016/EIB/NQ-HDQTngdy 16/03/2016.

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Bao cao giam sat vif c n^m giQr co phan ciia co dong Ion va ngudi c6 lien quan ciiaThanh vien HDQT, Thanh vien BKS, Tong giam d6c duyc lap dinh ky. Trong n^m 2016,

tai Eximbank khong phat sinh giao dich mua ban co phieu ciia thanh vien HDQT, thanhvien BKS, Tong giam d6c.

5.Ve phoi h^p hoat dyng cua BKS vdi HDQT, BDH:

HDQT va Tong giam doc da phoi hyp va tao dieu kifn de BKS thuc hifn chuc nSngnhiem vy cua minh.

Tong giam d6c va cac thanh vien BDH da thubng xuyen cung dp cac thong tin, baocao va da lif u lien quan theo dinh ky va theo db nghi ciia BKS.

K6t qud giam sat, kiem tra kiem toan ciia BKS deu duyc thong bao day dii, kip thaitoi Chii tich/Thanh vien HDQT, Qy ban Qu^n ly rui ro thuQC HDQT va Tong giam doc.Cac y kien, kien nghj cua BKS trong n3m 2016 dbu duyc HDQT v^ BDH ghi nhan, tibp

t^c bo sung, chinh sxia hoan thi^n.

BKS phoi hop voi HDQT, BDH de theo doi, don doc, nhdc nhd cac Don vj thuchi?n kh^c ph^c chinh sita cac sai pham theo cdc Ket luan thanh tra theo diing thoi hanquy dinh, dong thoi giam sat viec xix ly nghiem trach nhiem ciia tap the/ca nhan co hanhvi c6 y lam trai, vi pham phap luat/cac chinh sach tin d\ing, qu^n tri nQi by ciia Eximbank

v^ ciia Ngan hang Nh^ nude.

6.Cac cong vi^c khac theo quyet d|nh cua DHDCD, quy djnh cua Dieu If:

Trong n^m 2016, BKS cung da lap bao cao 06 thdng vii bao cao n^m ve tinh hinhhoat dyng ciia EIB giii den HDQT/BDH. Qua cac bao cao nay BKS cung da danh gia litc^ cac hoat dyng ciia Eximbank v^ ki^n nghi HDQT/BDH trong cong tac qu^n tri, dieu

hanh theo diing qui d^nh phap luat v^ nang cao hifu qu^ hoat dyng ciia Eximbank.

II. DANH GIA HOAT DQNG CUA EXIMBANK TRONG NAM 2016:

1. Vifc thyc hifn cac djnh hudng, myc tieu kinh doanh:

N^m 2016, mc du chua duyc DHDCD thong qua cac chi tieu kinh doanh ciia nam2016, nhung Eximbank van no l\rc thuc hifn cac muc tieu kinh doanh da dk ra. Ben canh

boi c^nh moi trudng kinh te vi mo cdn nhieu dien bien phiic typ, sy canh tranh gay g^tgiOa ede Ngan hang thuong mai ngay cang khoc lift, Eximbank cdn phdi ddi difn vdinhirng khd khdn trong cong tac to chuc DHDCD, cong tac truy^n thong, cong tac nhan su

cap cao, cho nen hau het cac chi tieu deu khong dat nhu ke hoych de ra tuy nhien co s\r

tang trudng so vdi vdi n^m 2015. Cy the: Tong tai sdn: 128.802 ty dong, tang 3,16% sovdi nam 2015, hoan thanh 96,1% ke hoych; Von huy dyng tir to chuc kinh te va dan cu:102.351 ty dong, tang 3,98% so vdi nam 2015, hoan thanh 94,8% ke hoych; Tong du nydip tin dyng: 95.511 ty dong, gidm 0,7% so vdi nam 2015, hoan thanh 95,5% kf hoych;Lyi nhuan trade thue: 391 ^^ ddng, gdp 6,4 Ian nam 2015, dat 97,75% ke hoych. Kft thiic

nam tai chinh 2016 dy kien Uinh DHDCD khong chia co tdc ndm 2016.

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2.Tuan thu cac gioi han, ty If dam bao an toan:

Trong n^m 2016, hau het cac chi so chinh ve ty le dam bao an toan hoat dong ciia

Eximbank tuan thu theo quy dinh Thong tu 36/2014/TT-NHNN cua Ngan hang Nhanuac, c\i the:

-Ty 1$ nguon von ngin han dugc su dung de cho vay trung dai han: 53,23% (theoquy dinh cua NHNN < 60%, tuy nhien ty 1^ nay phai giam ve muc quy dinh taiThong tu 06 co hieu luc tu 01/01/2017 la < 50%).

-Ty le du ng cho vay so vai tong tien gui: 79,23% (quy dinh cua NHNN < 80%).

-He so an toan von (CAR): 17,12% (cao horn nhieu so vai muc quy dinh cua NHNN

la 9%).Ben canh do, con 03 chi tieu chua tuan thu quy dinh Thong tu 36 tai thai diem ngay

31/12/2016 g6m:-Ty le gop von vao To chuc tin dung khac: Eximbank dang gop von vao Sacombank

(STB) la 9,16% (muc theo luat dinh toi da la 5% v6n co phin co quy6n bi^u

quyet); Eximbank da dugc NHNN chap thuan vi^c thoai von va dang tien hanh cacthu tuc thoai v6n STB theo dung qui dinh.

-Ty le du no cho vay chung khoan/tong du no cua Eximbank la 6,29% (muc theoluat dinh t6i da la 5%). Ty 1^ vuat quy dinh nguyen nhan chu yeu do 7 khach hangco du no la 746 ty chi6m 6,04% tong v6n di^u le, c6 tai san bao dam la 74.904.573co phieu STB. Theo Ket luan thanh tra thi Cue II khong cho phep Eximbank xu lytai san the chap la co phieu STB de thu hoi no vay (tham chi Eximbank cung khongduac ban tai san hinh thanh tvr von vay la co phieu EIB), vi vay khoan vay hi?n tai

da chuyen ng qua han nhom 3 va trich lap du phong day du theo quy dinh cuaNHNN. D^u thang 07/2016, Eximbank da nop dan khdi kien 07 khach hang nay taiToa an nhan dan d^ xu ly thu hoi ng theo quy dinh.

-Tong du ng cap tin dung doi vai mot khach hang: Eximbank da cho vay vugt ty leNHNN cho phep (vugt 73,45 ty so vai giai han cho phep cua Ngan hang nhanuac). Hien nay Eximbank da ngimg giai ngan them va dang thuc hien thu ng dinhky theo lich tra ng, du kien den giiia nam 2017 se dua muc du ng vugt cua khach

hang nay ve dung giai han cho phep cua NHNN.

3.Hoat dong quan tri rui ro:

Trong 2016, Eximbank trien khai Du an Tai cau true va chien luge Eximbank. Du

an dang trong qua trinh thuc hien tai cau true mo hinh to chuc bg may quan tri dieu hanh

tu HDQT d6n cac Khoi/Phong/Ban Hoi sa va Chi nhanh, PGD; xay dung, cai ti^n ca ch^phan cap phan quy6n nham phuc vu khach hang dugc nhanh chong, hi^u qua, thuc hien

quan tri rui ro he thong huang den muc tieu phat trien on dinh, b^n vung, phong ngira rui

ro, ton that co kha nSng xay ra doi vai Eximbank.

Trong ca cau to chuc nhan s\r cua Uy ban quan ly rui ro, Eximbank con chu trong

viec bo tri cac thanh vien nguai nuac ngoai thong thao cac chuan muc quan tri rui ro

quoc te ket hgp vai cac thanh vien nguai Viet Nam co su thau hieu cac dac trung rui ro

cua thi truong Viet Nam.

Cong tac quan tri rui ro tin dung, rui ro thanh khoan va rui ro hoat dong duqc

Eximbank chii trong, dam bao tuan thu phap luat va phu hop vai dieu kien kinh doanhtirng thai ky. Viec xac dinh quan ly chat che chat luqng tin dung cua cac khoan vay mai

se giup Eximbank han che toi da chi phi trich lap du phong rui ro, cong tac theo doi chatche chat luqng xu ly ho so tin dung va giam sat sau giai ngan luon duqc doi ngu kiem tra,

kiem soat nqi bo don doc xu ly kip thai tai timg chi nhanh, phong giao dich cuaEximbank.

Ben canh do, Ban lanh dao cap cao cua Eximbank nhan thuc duqc su can thiet quan

ly cac rui ro va kiem soat rui ro doi vai cac hoat dong kinh doanh cua ngan hang theo

huang: khong ngirng cung co va hoan thien bq may to chuc, chuan hoa cac quy trinh, quy

che trong hoat dqng ngan hang; tang truang tin dung hap ly, dac biet coi trqng chat luqng

tin dung va kiem soat nq xau, phan bo han muc tin dung hop ty cho timg nganh nghe,

timg cap quan ly; quan ly danh muc dau tu, c6 phan tich danh gia hieu qua timg khoanmuc; cong tac quan tri nguon nhan luc, bo tri, sap xep, tinh gqn bq may nham dap ung

yeu cau huang den khach hang va phu hop quy mo phat trien cua Ngan hang; cap nhat

cac ki6n thuc, thong tin nghe nghiep cho nhan vien, to chuc thuang xuyen cac khoa dao

tao, dao tao lai, tap huan nh^m nang cao trinh do nghiep vu, ky nang cho nhan vien.

Trong n^m 2016, Eximbank tiep tuc trien khai du an Basel II nhim dam bao thuc

hien dung 16 trinh do Ngan hang Nha nuac de ra. Ngoai ra Eximbank da ban hanh cacquy dinh: Tuyen bo Khau vi rui ro hoat dqng, Bq Quy tic ve chuan muc ung xu cua

Eximbank, Thoa uac lao dqng tap the. BKS da ban hanh So tay KTNB.

HI. KET QUA THAM DINH BAO CAO TAI CHINH NAM 2016:

BKS da thuc hien viec tham tra Bao cao tai chinh hop nhat sau kiem toan cua ngan

hang va cong ty con den het ngay 31/12/2016 va thong nhat xac nhan ket qua nhu sau:

+ Bao cao tai chinh hop nhat da phan anh day du tinh hinh hoat dqng kinh doanh,tinh hinh tai chinh cua Eximbank va cong ty con, duqc trinh bay theo cac mau

bao cao quy dinh tai Quyk dinh so 16/2007/QD-NHNN ngay 18/4/2007 cuaNgan hang Nha nuac ve che do bao cao tai chinh doi vai cac TCTD, phu hop

vdi cac Chuan muc ke toan Viet Nam va cac quy dinh hien hanh.

+ Bao cao tai chinh hop nhat da trinh bay trung thuc va hop ly tren cac khia canh

trqng yeu tinh hinh tai chinh cua Eximbank va cong ty con tai thai diem31/12/2016 cung nhu ket qua hoat dqng kinh doanh hop nMt nam 2016.

Cac s6 lieu v^ von va tai san tai thai diem 31/12/2016 va k^t qua hoat dqng kinh

doanh hop nhat cua Eximbank nam 2016 nhu sau:

1.Tdngtaisan:128.802 ty dong

2.Vonchusahuu:13.448 ty dong

3.Ket qua kinh doanh nam 2016:

-Lqi nhuan thulin tir KQKD truac chi phi DPRRTD: 1.480 ty ding

-Chi phi DPRRTD:1.089 ty dong

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-Tong lpi nhuan truoc thu^:391 ty d6ng

-Thu^ TNDN:82 ty dong

Lai nhuan sau thue: 309 ty dong

IV. PHlTONG HlTOfNG HOAT DONG NAM 2017 VA KIEN NGHI:

1. Phirong huomg hoat dong nam 2017:

CSn cii chiic n&ng nhiem vu ciia BKS, phuang huong hoat dong nam 2017 cua

Eximbank, BKS tap trung vao cac c6ng viec chinh nhu sau:

1)Trien khai cong tac KTNB theo kk hoach da dupe HDQT, BDH thong nh^t va

da dang ky voi NHNN; ra soat, danh gia doc lap, khach quan v tinh thich hop,day du, hieu lire va hieu qua cua he thong kiem soat noi bo.

2)Tham dinh bao cao tai chinh 06 thang va bao cao tai chinh nam, soat xet so lieu

hang thang/quy doi voi mpt so khoan muc/hoat dong co anh huong Ion toi ket

qua tai chinh.

3)Giam sat viec chap hanh qui dinh noi bp, Dieu 1? va Nghi quyet, Quyet dinh cua

DHDCD va HDQT Eximbank.

4)Tiep tuc kiem soat viec thuc hien khac phuc chinh sua cua cac don vi/chi

nhanh. Dong thoi kien nghi len HDQT ap dung hinh thuc xii ly phu hop doi voicac don vi/chi nhanh chua co y thuc trong cong tac kh^c phuc chinh sua.

5)Ra soat cac van ban, qui trinh tai Eximbank (gom ca Dieu le): Ti^p tuc tong hop

va co khuy6n nghi voi Hoi so chinh. BKS tiep tuc theo doi viec thuc hienkhuyen nghi cua BKS doi voi HDQT ve viec sua d6i dieu le Eximbank cho phuhop voi cac van ban phap luat hien hanh.

6)Thuc hien tai cau true Ban KTNB nham gia tdng chat lupng kiem soat cungnhu cong tac van hanh bp may kiem toan dupe dl dang, thong suot va chat

lupng hom. Xay dung co che tra luong cho Ban KTNB can cu tren ket qua hoan

thanh nhiem vu, dam bao khuyen khich cong hien cho ngan hang.

7)Dam phan, ky ket hop dong tu van luat cho BKS de dam bao doc lap voi

HDQT, BDH.

8)Tiep tuc hoan thien xay dung he thong cham diem rui ro cac Don vi tai Hoi so,

tu do lam co so xay dung ke hoach kiem toan hang nam.

9)Sua doi bo sung So tay KTNB dam bao day du, hoan thien hom.

10)Xay dung va hoan thien du an cong nghe hoa cong tac giam sat dua theo he

thong Corebank moi, thuc te se trien khai tung buoc tuy thupc vao kha nang

dap ung cua Khoi cong nghe thong tin.

11)Ra soat mot so van de c6n ton tai anh huong den hoat dong cua Eximbank:

+ Tinh hinh co cau no so voi quy dinh ciia phap luat;

+ Ra soat cac khoan vay trung dai han co lich tra no bat thubng;

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+ Cong tac dinh gia lai tai san the chap va viec cap nhat vao he thong;

+ Phap ly cac khoan vay nhan TSBD hinh thanh trong tuong lai va kha n^ngthu hoi no;

+ Giam sat hinh thuc cho vay tai tai trq;

+ Cho vay nhom khach hang co lien quan;

+ Ra soat cac khoan vay the chap bang dong san, tinh tning tai san;

+ Ra soat cac khoan vay qua han keo dai, phat sinh lai treo Ion, tu do co cac

kien nghi gui den BDH xem xet xu ly theo quy dinh cua phap luat;

+ Ra soat cho vay tra nq trudc han, cho vay tuan hoan;

+ Ra soat danh muc tin dung, trong do chu y chat luqng tin dung thuoc cac

nganh nghe rui ro nhu cho vay bat dong san, the chap bat dong san, cho vay du

an giao thong BOT, BT, cho vay phuomg tien van tai, cho vay chung

khoan/cam co chung khoan,...

12) Phoi hop voi HDQT, BDH de to chuc thanh cong DHDCD nam 2017.

2. Kien nghi:

Tu cac nhn xet, danh gia tren, BKS kien nghj vai DHDCD, HDQT v^ BDHEximbank:

1)Tiep tuc ca cu, ki6m soat chat che danh muc tin dung de dam bao co cau danh

muc va chat luong tin dung an toan phu hop voi m\ic tieu dS ra. Tiep tuc chu

trong cong tac thu hoi no xau, nq da ban VAMC, nq ngoai bang. Tang cuong

cong tac nhan dien, quan ly cac khach hang co moi quan h? lien quan; t&ng

cuong quan ly du nq khach hang/nganh hang chiu nhieu tac dong tir su thay doilien tuc cua gia ca thi trudng the gioi hoac trong nude, cac khach hang co du nq

ldn tiem an rui ro.

2)Tiep tuc duy tri cac ty le an toan trong hoat dong dam bao tuan thu quy dinh cua

NHNN. Co 16 trinh khac phuc cac ty le an toan chua tuan thu dung quy dinhcuaNHNN.

3)D6i vdi cong tac diu tu tai san co dinh: ra soat lai nhu ciu su dung trong hientai va du kien trong tuong lai, thanh ly cac tai san khong co nhu cau su dung de

tranh lang phi.

4)Quan ly tot chi phi hoat dong nham dam bao hieu qua kinh doanh de ra.

5)Doi vdi cong tac nhan su: can cd ca che cham diem hoan thanh nhiem v\i hop

ly han, dinh luqng han, quy che phan phoi luong hop ly han nham danh giachinh xac su dong gdp cua tung ca nhan vao ket qua cua Eximbank. Ben canh

do, cac phong ban/don vi d Hoi sd chinh va Phd TGD phu trach cung phai duqccham diem hoan thanh theo nhiem vu duqc giao de gan trach nhiem cua HSC

vdi chi nhanh.

9/9

TM. BAN KIEM SO

Nai nhan:-NHNH (di bao cao);

-DHDCD (de trinh);-HDQT, TGD (di phoi hap);-Lieu BKS.

Tran trong kinh trinh DHDCD.

6)Tiep tuc ra soat, hoan thien cac quy che, quy dinh cua Eximbank dam bao phu

hop vdi cac van ban phap luat hien hanh va nhung thay doi trong muc tieu kinhdoanh cua Eximbank nhu: He thong xep hang tin dung, Quy che tai chinh, Quyche cho vay, Quy dinh dam bao tien vay, Quy che tien gui tiet kiem, thu chi tien

mat ngoai tru so ngan hang,...

7)Co giai phap day nhanh tien dp thuc hien, sdm dua vao hoat dong, su dung cac

du an, cong trinh trong diem co tac dong Ion den hoat dong kinh doanh cua

Eximbank nhu: du an Corebank va Trung tarn du lieu, xay dung tru so chinh,

h$ thong xep hang tin dung.

8)Tang cudng hoat dong giam sat, KTNB, ti6p tuc hoan thien he thbng phat hienrui ro tiem an trong hoat dong cua Eximbank de canh bao va dua ra bi^n phap

chan chinh, phong ngira kip thbi.

9)BDH chi dao quyet liet cac Phong/Ban/Don vi nhanh chong thuc hien khacphuc chinh sua theo cac ket luan cua Thanh tra va cac khuyen nghi cua BKS va

KTNB.

10)Tiep tuc 16 trinh dua hoat dong cua Eximbank ap dung cac tieu chi danh giatheo tieu chuan Basel II.

Tren day la bao cao cua BKS ve ket qua giam sat hoat dong cua ngan hang nam

2016 va dinh huong nam 2017.