STB_AR2010_VI

V cng ng pht trin a phng

www.sacombank.com.vn

Bo co thng nin ny s dng cht liu giy thn thin vi mi trng t cc ngun c h thng qun l rng theo tiu chun quc t

Bo co thng nin 2010

Bocothngnin2010

V cng ng - pht trin a phng

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V cng ng - pht trin a phngmc lc02 ThHingQuntrgiQuvCng, Nhutvitcchinlc Tng quan Sacombank 06 Smnh-Tmnhn-Gitrctli 08 Hnhtrnhphttrin 10 Skinnibtnm2010 Tng kT Thnh Tu v nh hng chin lc 14 nhgichinlcgiaion20012010 16 Ccchtiutichnhchyuquaccnm 17 nhhngchinlcphttringiaion20112020 bo co hoT ng 22 BococaHingQuntr 24 BococaBaniuhnh 32 BococaBanKimsot Nm 2010 l nm nh du kt thc thng li chin lc tng tc pht trin ca Sacombank giai on 10 nm 2001 2010. y cng l nm mang ngha t nn tng cho chin lc vn tm khu vc ca Sacombank trong thp k mi 2011 2020. Trong Bo co thng nin 2010 ny, chng ti trn trng gii thiu n Qu v nhng thnh tu Sacombank to dng c trong sut hnh trnh 19 nm qua v nhng hoi bo, d phng cho giai on tip theo. c kt trn hnh trnh pht trin, ng lc lun thc gic Sacombank tin ln pha trc v tin phong trong nhiu lnh vc chnh l s tin tng, s quan tm su sc v h tr ch tnh ca Qu v C ng, Nh u t, Khch hng, i tc trong v ngoi nc. hin thc ha tn ch v cng ng bao gm Qu v C ng, Nh u t, i tc, Khch hng doanh nghip v c nhn cng i ng Cn b nhn vin, Sacombank chn phng chm pht trin a phng lm kim ch nam cho mi hot ng v c th ha trong 4 nhm gii php trng tm, bao gm: (i) tng nhanh nng lc ti chnh, (ii) m rng mng li hot ng, (iii) pht trin ngun nhn lc c cht lng, (iv) hin i ha cng ngh ngn hng. Phng chm V cng ng - pht trin a phng thng qua 4 nhm gii php nu trn c chng ti chn lm ch cho Bo co thng nin nm nay v s c khc ha qua cc trang ngh gii thiu v 8 khu vc m Sacombank c mt ti ng Dng, gm 7 khu vc ti Vit Nam v khu vc nc ngoi (Lo v Campuchia). Xuyn sut trong cc bo co ca Hi ng Qun tr, Ban Kim sot v Ban iu hnh, chng ti cng gii thiu n qu v nguyn tc T chc thng nht - Qun l tp trung - iu hnh phn cp v ang a on tu Sacombank i vo qu o hot ng chuyn nghip v sn sng hi nhp cng bn b th gii. Ngoi ra, song song vi vic gii thiu n qu v mc tiu hot ng an ton - kinh doanh hiu qu v pht trin bn vng lu di, trong Bo co thng nin nm nay, Sacombank tip tc s dng giy in thn thin vi mi trng nhm gp phn bo v h sinh thi t nhin v bo v mi trng. Tt c hng n vic cng vi cc thnh phn kinh t nhm mang li hnh phc cho cng ng v phn vinh cho x hi, trong c Sacombank cng cc ch th ca mnh. T chc v nhn S 36 38 40 42 44 Bmytchc GiithiuHingQuntr GiithiuBanKimsot GiithiuBaniuhnh ChnhschiviCnbnhnvin

Thng Tin c ng 50 51 52 53 Thngtinvcngvcphiu Dkinphnphilinhunvchiactc Dliuthngkvcngvthnhvingpvn HotngQuanhNhut

bo co Ti chnh 56 68 70 126 Bocotichnhring KtquhotngcaccCngtytrcthuc Bocotichnhhpnht nhgicaKimtonnib

Thng Tin khc 130nghnhcngcngng 132 Bngkhenvgiithngtiubiunm2010 136Mngliccimgiaodch 148Mnglingnhngil

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Th hi ng qun tr gi qu v c ng, nh u t v i tc chin lc

qu v c ng, qu i tc chin lc v qu nh u t tim nng thn mn, Trongbicnhkinhtthgiichmhiphc,nhiu bin ng v trong tnh hnh kinh t nc ta vn cnnhngmtcnivm,Sacombankrt vuimngvnm2010khplivinhptng trng bnh qun t 25-30% so vi nm trc, ccchsantontichnhutmcquynh caNgnhngNhnc;ngthiSacombank cngrtmnnguynvktthcthnglicc mctiuphttringiaion2001-2010vinhp tngtrngbnhqunt64%/nm. Trong,iukhinchngtiantmnhtcll thccnkimtchlycaSacombankc xclpvthcthimtcchnhtqun.Tnhn thiimcuinm2010,ngthivivictng nhanhvniult190tnghiunm2001 ln 9.179 t ng hin nay, Sacombank cn tch ly c hn 4.600 t ng, bao gm vn thng dvccqudphng,chakphngitrti sntngthmgn2.500tngnucphp nhgili. iu khin chng ti tm c nht l khi i mt vi nhng kh khn thch thc do tc ng bi cuc khng hong ti chnh v suy thoi kinh t toncu,Sacombankxemynhlchi nhnnhnlimnh.T,tptrungxydng, tchcquntritvtrinkhaithchinchinlc vaphngth,vatncngvinhiunhmgii phpchngvtchcc,cth: dy ln phong tro ra sc hc hi hon thin v pht trin bn thn; dn dt mi cp,mingikhngngngthayivtthay inngcaokhnngthchng;ngthi khuynkhchvckhnhiungitchcc tham gia phong tro pht huy sng kin trong khunkhtngVngSacombankgp phntoraskhcbitnhmtngcngsc cnhtranhchoNgnhng; ynhanhtintrnhticutrcNgnhng. Mt mt tip tc hon thin kin trc thng tngbngcchxcnhlitmnhn-smnh - gi tr ct li cng chin lc kinh doanh v ccnguyntcquntrNgnhng.Mtkhc,

tptrungcngccshtng,baogm:cu trclibmy,phnbliccngunlcvxy dnglivnhadoanhnghip; trin khai hng lot cc d n gn kt quy trnh kinh doanh vi kh nng ng dng cng ngh theo hng chun ha, s ha, t ng havnngcaokhnngtchhpqua xy dng nn tng vn hnh vng chc nhm mbonngcaohiusutlmvic-hiuqu kinh doanh - trnh qun l iu hnh v k nngchmsckhchhng.Trong,cbitl trinkhaithnhcngdnDatawarehouse vtrinkhaihnglotccnimic chvnhnh,ccchngtrnhnngcaocht lng - qun l ri ro - kim tra kim ton ni b - ci tin phng thc bn hng cng cc chnh sch ng lc nhm khi dy nim am m-trsngtovtnhchngcamicp, mingi. ngthi,trncsphntchnhgirtkinh nghimqutrnhtrinkhaithchinchinlc pht trin giai on 2001 - 2010, Sacombank cngtptrungxydngchinlcphttrin giaion2011-2020viccmctiuvnhng nhmgiiphpkhtchcc,kcnhnggii phpiuchnhccimbtcp. Nhn chung trong 3 nm 2008 - 2010, c bit l nm2010 tuynhp tng trng ccmt cbcchnglisovi7nmtrc,nhng chngtirtvuivSacombankbinthchthc thnhchi,vanglmcrtnhiuvic bchnhmtonntngchoccgiaionpht trintiptheo. Tuynhin,khibcvothchinkhochnm 2011vtrinkhaithchinchinlcphttrin giai on 2011 - 2020 th cc doanh nghip Vit Namnichung,trongcSacombank,liphi imtvinhngbinngkhngmongchv lisut-tgi-lmphttrongnccngnhng binng,binc,thmchthmhakhlng trnthgii,chcchnsnhhngnngnn tintrnhtrinkhaithchinccmctiukvng, ng thi cng chnh l kht vng ca chng ta trongthpninth3ny.

Mc du vy, vi ch va phng th, va tn cng, vi s mnh trc khch hng, c ng, ccitcchinlc,ccnhuttimnng, vitrchnhimtrcxhivcngngvvi nhng kinh nghim rt ta c qua 3 nm sng chung vi khng hong, Hi ng Qun tr chngtixincamktlstunthnghimngt ch trng kim ch lm pht ca Chnh ph v Ngn hng Nh nc; ng thi cng s cng vibmyiuhnhNgnhngphnuthc hin thng li cc mc tiu nhim v m i hi ngCngphinhpngy02/4/2011giaocho. Trong,chngtiscoitrng2nhimvchin lchngulnngcaokhnngthchngv tng cng sc cnh tranh, ng thi tp trung mingunlchngv3mctiuhngu lhotngantonkinhdoanhhiuquvpht trinbnvngludi. Trntinhthnvvinghavthntrngvnc, HingQuntrchngtichtrngtronggiai on 2011 - 2015 s tp trung u t chiu su, imiphngthcquntr,nngcaochtlng hotng,tiptciuchnhnhngimbtcp, tngcngkhnngthchngvsccnhtranh ca Ngn hng, ng hu chun b b phng tht svngchcchobctngtrngnhanhvbn vngtrongthik5nmtiptheo. Rtmongcquvcng,ccitcchin lcvccnhuttimnngcmthng,chia svngthun.HingQuntrchngtixem y l hu thun, ng thi cng l ng lc c scngvin,cvlnlaoivichngtitrong sutqutrnhthchinthnglismnhc giaotrongbicnhnhiukhkhnphivtqua vlmthchthcphingunhhinnay.

Chngtichtrngtrongthik2011 2015stptrungutchiusu, i mi phng thc qun tr, nng caochtlnghotng,tiptciu chnhnhngimbtcp,tngcng khnngthchngvsccnhtranh ca Ngn hng, ng hu chun b b phng tht s vng chc cho bc tngtrngnhanhvbnvngtrong thik5nmtiptheo.

TM.HingQuntr Chtch

ng vn Thnh

4gii thiu chung


Bocothngnin2010gii thiu chung


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Tng quan SacombankSmnh-Tmnhn-Gitrctli Hnhtrnhphttrin Skinnibtnm2010

Tng quan SacombankSmnh-Tmnhn-Gitrctli Hnhtrnhphttrin Skinnibtnm2010

gii thiu chung

Tn giao dch NGNHNGTHNGMICPHNSIGN THNGTN(SACOMBANK) hi s 266268NamKKhiNgha,Phng8,Qun3, TP.HCM,VitNam T:(848)39320420Fax:(848)39320424 www.sacombank.com.vn ngy thnh lp Ngy21/12/1991,Sacombankchnhthcivohot ngvisvniulbanul3tngbng vichpnhtNgnhngPhttrinKinhtGVp vi3hptcxtndngTnBnh,ThnhCngv LGia. vn iu l 9.179.230.130.000ng(tithiim31/12/2010) giy php thnh lp S05/GP-UBdoUBNDTP.HCMcpngy 03/4/1992 giy chng nhn ng k kinh doanh S059002doSKhochvutTP.HCM cp(ngklnungy13/01/1992,ngk thayilnth32ngy16/11/2010) m s thu 0301103908 Ti khon S453100804tiNgnhngNhnc- ChinhnhTP.HCM SWiFT code SGTTVNVX

ngnh ngh kinh doanh Sacombank hot ng trong lnh vc ngn hng baogm: Huyngvnngnhn,trunghn,dihnca cctchcvdncdicchnhthctin gickhn,khngkhn,chngchtingi, tip nhn vn u t v pht trin ca cc t chc trong nc, vay vn ca cc t chc tn dng khc, cho vay ngn hn, trung hn, di hn,ivicctchcvcnhnchitkhu cc thng phiu, tri phiu v giy t c gi hnvnvlindoanhtheophplut; Thchindchvthanhtongiacckhchhng; Kinhdoanhngoitvngbc,thanhtonquct; Huyngvntncngoivccdchvngn hngkhctrongmiquanhvincngoikhi cNgnhngNhncchophp; Hotngbaothanhton. mng li hot ng 366imgiaodchtonKhuvcngDng (tithiim31/12/2010) nhn s Slng:8.507Cnbnhnvin (tithiim31/12/2010) nim yt SacombankcSgiaodchChngkhon TP.HCM(HOSE)chpthunnimyttngy 12/7/2006. Loichngkhon: Cphiuphthng Mchngkhon: STB Mnhgi: 10.000ng/cphiu Slngcphiu angluhnh: 917.923.013(tithiim 31/12/2010) Slngcng: 74.132cnhnvtchc (tithiim17/01/2011)

c ng chin lc nc ngoi TponTichnhDragonFinancialHoldings (AnhQuc) NgnhngANZ(AustraliaandNewZealand) cng ty kim ton CngtyTNHHPricewaterhouseCoopers (VitNam) Lu4,SaigonTower,s29LDun, Qun1,TP.HCM T:(848)38230796-Fax:(848)38251947 www.pwc.com b phn quan h c ng TQunlvncphn Lu14,s266268NamKKhiNgha, Phng8,Qun3,TP.HCM T:(848)39320420(Nib:2523) Fax:(848)39320392 b phn quan h nh u t Phngingoi Lu5,s266268NamKKhiNgha, Phng8,Qun3,TP.HCM T:(848)38469516(Nib:1653,1654) Fax:(848)39320646

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Bocothngnin2010Giithiuchung


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Tng quan SacombankS mnh - Tm nhn - gi tr ct li Hnhtrnhphttrin Skinnibtnm2010

Tng quan SacombankS mnh - Tm nhn - gi tr ct li Hnhtrnhphttrin Skinnibtnm2010

SmnhTi a ha gi tr cho khch hng, nh u t v i ng nhn vin, ng thi th hin cao nht trch nhim x hi i vi cng ng. Tin phongSacombanklunlngimngvsnsng chp nhn vt qua thch thc trn hnh trnh phttrintmranhnghngimi.

GitrctliSacombank khng ngng nng cao cht lng dchv,luntntmvuytnivimikhch hngmmnhphcv.

TmnhnPhn u tr thnh ngn hng bn l hin i, a nng hng u vit nam v khu vc ng Dng.

lun i mi, nng ng v sng toSacombank nhn thc rng i mi l ng lc phttrin.VvySacombanklunxcnhimi phng php t duy v hnh ng bin cc thchthcthnhchi.

Trch nhim i vi cng ng v x hiSacombanklunthctrchnhimcamnhi vicngng,xhinimnhhotngvlun tun th tn ch hnh ng V cng ng - pht trinaphng.

cam kt vi mc tiu cht lngSchuynnghip,tntmvuytncaonhti vi khch hng, i tc, ng nghip l nguyn tcngxcamithnhvinSacombank.iu c cam kt xuyn sut thng qua vic

To dng khc bitSacombankluntph,sngtokhngngng to nn nhng khc bit v sn phm, phng thc kinh doanh v m hnh qun l. Chnh s khcbitnytodnglithcnhtranhca Sacombanktrnthngtrng.

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Tng quan SacombankSmnh-Tmnhn-Gitrctli hnh trnh pht trin Skinnibtnm2010

Tng quan SacombankSmnh-Tmnhn-Gitrctli hnh trnh pht trin Skinnibtnm2010

hnh trnh pht trin

1991

Sacombanklmttrongnhngngnhng TMCPutincthnhlptiTP.HCM t vic hp nht cc hp tc x tn dng ang lm vo tnh trng kh khn v ti chnhdonhhngbitnhtrnglmpht phimtiVitNamlcbygi. LngnhngTMCPutincaTP.HCM khaitrngchinhnhtiHNi,phthnh kphiucmcchvthchindchv chuyntinnhanhtHNiiTP.HCMv ngcli,gpphngimdntnhtrngs dngtinmtgiahaitrungtmkinhtln nhtnc. Tin hnh i hi i biu c ng bt thng ci t Ngn hng, ng thi hochnhchinlcphttrinnnm 2010. ng ng Vn Thnh c tn nhimbulmChtchHQTNgnhng. ihilbcngotmrathikimi quan trng trong qu trnh pht trin ca Sacombank.

1993

chnh Dragon Financial 2001 Tp on TiQuc) tham gia gp 10% Holdings (Anh vn iu l ca Sacombank, m ng cho vic tham gia gp vn c phn ca Cng ty Ti chnh Quc t (International Finance Corporation IFC, trc thuc WorldBank)vonm2002vNgnhng ANZvonm2005.Nhvoshptc nymSacombanksmnhncs htrvkinhnghimqunl,cngngh ngnhng,qunlriro,otovpht trinngunnhnlctcccngchin lcncngoi. lp Cng thuc u tin - 2002 Thnhty Qun l ty trcKhai thc ti sn Cng n v Sacombank-SBA, bc u thc hin chinlcadnghaccsnphmdch vtichnhtrngi. L doanh nghip u tin c php 2003 thnhlpCngtyLindoanhQunlQu u t Chng khon Vit Nam (VietFund Management - VFM), l lin doanh gia Sacombank(nmgi51%vniul)v DragonCapital(nmgi49%vniul). K kt hp ng trin khai 2004 corebanking T24 vi cng ty h thng Temenos (ThyS)nhmnngcaochtlnghot ng,qunlvphttrinccdchvngn hngint. 2005 ThnhlpChinhnh8Thng3,lmhnh ngnhngdnhringchophnutin tiVitNamhotngvismnhvs tinbcaphnVitNamhini.

LngnhngTMCPutintiVitNam 2006 tinphongnimytcphiutiHOSEvi tngsvnnimytl1.900tng. Thnhlpcccngtytrcthucbaogm: Cng ty Kiu hi Sacombank-SBR, Cng ty Cho thu ti chnh Sacombank-SBL v CngtyChngkhonSacombank-SBS.

Thng 5, STB ca Sacombank 2009 c vinhc phiumt trong 19 c phiu danh l vngcaVitNam.Suttthiimchnh thc nim yt trn Sn giao dch chng khonTP.HCM,STBlunnmtrongnhm cphiunhncsquantmcacc nhuttrongvngoinc. Thng 6, l Ngn hng u tin ca Vit Nam khai trng chi nhnh ti Phnm Pnh,honthnhvicmrngmngli tikhuvcngDng,gpphntchcc trongqutrnhgiaothngkinhtcacc doanhnghipgiabancVitNam,Lo vCampuchia. Thng 9, chnh thc hon tt qu trnh chuyn i v nng cp h thng ngn hng li (corebanking) t Smartbank ln T24,phinbnR8tittcccimgiao dchtrongvngoinc.

2007 ThnhlpChinhnhHoaVit,lmhnh ngn hng c th phc v ch yu cho cngngngiVitgcHoa. LNgnhngTMCPutinphknmng lihotngticctnh,thnhphmin TyNamb,ngNamb,NamTrungb vTyNguyn.

1995

3, xy v a vo vn hnh 2008 Thngtm ddng(Data Center) hin i Trung liu nht khu vc nhm m bo tnh an ton tuyt i h thng trung tm d liu d phng. Thng 5, cng b hnh thnh Tp on Sacombanknhmcungcptrngiccgii phptichnhchodoanhnghipvcnhn, vi hoi bo xy dng Sacombank Group tr thnh Tp on kinh t t nhn hng uVitNamvkhuvcngDng. Thng11,thnhlpCngtyVngbc quSacombank-SBJ. Thng12,lngnhngTMCPutinca VitNamkhaitrngchinhnhtiLo,m u cho chin lc chinh phc th trng ngDng.

Lngnhngutinphthnhcphiu 1997 i chng vi mnh gi 200.000 ng/c phiutngvniulln71tngvi gn9.000cngthamgiagpvn. Khnh Nam K 1999 Ngha, thnh tr s ti 278l thng Khi Qun 3, TP.HCM, ip khng nh Sacombank s gn b lu di, cam kt ng hnh cng khch hng, c ng,nhutvcctchckinhttrn bcngphttrin.

Kt trin 2010 giai thc thng li cc mc tiu pht tng on 2001 - 2010 vi tc trngbnhqunt64%/nm;ngthi thchinthnhcngchngtrnhticu trcsongsongvivicxydngnntng vnhnhvngchc,chunbccngun lcthchinttpccmctiupht tringiaion2011-2020.

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Tng quan SacombankSmnh-Tmnhn-Gitrctli Hnhtrnhphttrin S kin ni bt nm 2010

Tng quan SacombankSmnh-Tmnhn-Gitrctli Hnhtrnhphttrin S kin ni bt nm 2010

S kin ni bt nm 2010

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1. Trong nm 2010, Sacombank trin khai cc chngtrnhnhmnngcaochtlngdchvv hngnhotngbnvng,antonvhiuqu: ChngtrnhNngsutchtlng(5S) Khchhngbmt(MS) Hthngxphngtndngnib (kkthpngviCngtyErnst& YoungVitNam) tngvngSacombank Kchthchbnhng(SSP)

Thigian trinkhaiThng 1/2010 Thng 6/2010 Thng 7/2010 Thng 10/2010

t Sacombank Visa Platinum dnh ring cho khchhngcthunhphngthngt60triu ng tr ln. u thng 11/2010, Sacombank lin kt vi China UnionPay - t chc th ln nhtTrung Quc, chnh thc pht th quc t SacombankUnionPay. 4. Ngy 09/10/2010, trong khun kh Hi ngh ThngninIMF/WBnm2010tiWashington D.C (M), di s chng kin ca Ph Thng c thng trc NHNN Vit Nam - ng Trn Minh Tun, Sacombank v Cng ty Ti chnh Proparco-trcthucCquanPhttrinPhp (AgenceFrancaisedeDveloppement-AFD) kkthpngtndngthhaitrgi20triu USD Sacombank c thm iu kin h tr ngunvntrungdihnchoccdoanhnghip vavnhVitNam. 5. Thng10/2010,cukhuhiu(slogan)Vcng ng-phttrinaphngcaSacombank chnhthccpdngvcmttrnkhp nongtikhuvcngDng. 6. Thng 11/2010, nhn chuyn i cng on lnh o cp cao Chnh ph Vit Nam sang thm Vng quc Campuchia, ng Nguyn Vn Giu - Thng c NHNN n thm Sacombank-ChinhnhPhnmPnhvbiu

dng Sacombank l ngn hng thng mi VitNamutinmChinhnhtiCampuchia, gpphnhtrgiaothngvxydngmi quanhngoigiaottpgiahainc. 7. Ngy16/11/2010,Sacombankchnhthctng vniult6.700tngln9.179tng. 8. Sauthigiantmhiuthtrngkhuvcng Dng,cccngtytrcthucSacombank-SBJ vSacombank-SBSchnhthcramtcng tycontiCampuchiavLo. 9. Kt thc nm 2010, doanh s kiu hi chuyn qua Sacombank t 1,3 t USD, tng 45% so vinm2009vvnlndnuhthngcc NHTMVitNamtrongvichuyngvchitr kiuhi. 10.Trong nm 2010, Sacombank hon thnh victrinkhai7dnvcngnghthngtin nhm tng cng nng lc qun tr v vn hnh,baogm:Khodliu;Hthngquntr thng tin; Phn h kinh doanh tin t v ngn qu;Thanhtonqucttptrung;Qunlquy trnh ti tr thng mi; Qun tr nhn s v Ngnhngint.

2. Trong nm 2010, Sacombank khnh thnh v avosdng7trsmicaccChinhnh PhQuc,BnhTy,BnhThnh,Lmng,Ch Ln,ngThpvVnhLongctnggitru t xy dng l 263 t ng; ng thi khi cng xydng4trsmicaccChinhnhLo,An Giang,TrVinhvKhnhHavitnggitru txydngl474tng. 3. Ngy 01/4/2010 Sacombank l Ngn hng u tin ti Vit Nam pht hnh Th tn dng quc 6

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khu vc Thnh Ph h ch minh

[Nntngcaqutrnhhnhthnhvphttrin]

LmttrongnhngNgnhngTMCPutincthnh lptiTP.HCMtmhnhhptcxtndng,Sacombank lunkhngnhvaitrtinphongtrongcungngsnphm dchvngycngcaocp,chuynbitha,pngmi nhucutichnhcakhchhngthngquavicphthuy ti a li th mng li, song hnh cng cc thnh phn kinhttrnhnhtrnhhinhp,hngnmctiuxy dngTP.HCMtrthnhtrungtmkinht-tichnhcakhu vcngDng.

li th cnh tranh Ccsnphmdchvchuynbit,cth dnhringchophn(Chinhnh8Thng3) vcngngngiVitgcHoa(Chinhnh HoaVit). Snphmdchvhngnitng khchhngthunhpcao:ThVisaPlatinum, UnionPay,TrungtmDchvQunltisn

li th mng li114imgiaodchgm1Sgiaodch, 16Chinhnhv97Phnggiaodch (tithiim28/02/2011).

Trung tm Thnh ph H Ch Minh

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V cng ng - pht trin a phng Tng kT Thnh Tu v nh hng chin lcnh gi chin lc giai on 2001 - 2010 Ccchtiutichnhchyuquaccnm nhhngchinlcphttringiaion2011-2020

Bocothngnin2010

V cng ng - pht trin a phng Tng kT Thnh Tu v nh hng chin lcnh gi chin lc giai on 2001 - 2010 Ccchtiutichnhchyuquaccnm nhhngchinlcphttringiaion2011-2020

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nh gi chin lc giai on 2001 - 2010:

Tng tc pht trin

Sacombankchmmccuicng cachinlcphttringiaion 2001-2010vyllcNgnhng angthcsnhnlichngng 10nmqua,chunbhnhtrang cho10nmtiptheo.Tnh hnh kinh t - chnh tr - x hi th gii giai on 2001 - 2010 din bin phc tp v tri qua nhiu bin c,nh im lcuc khng hong ti chnhdychuynbtnguntMnm2007dn nsuythoitrndinrngtinhiuqucgiatrong nm2008,kotheolmphtvncngtngcao, cbitccncChuuvdmcnkodi chotinm2010. Trong qu trnh thc thi chin lc pht trin 10 nmqua,cthniSacombankchumtsnh hng nht nh, c tch cc ln tiu cc, t s tcngcaccyutkinhtvmnichungv cangnhtichnh-ngnhngVitNamniring trongtnggiaioncth.Tuynhin,visnng ng,sngtovkinnhtrongthcthingli chinlc,Sacombanktcnhngthnh qurtngtho. cc Thnh Tu T c So vi cc mc tiu k hoch trong Chin lc phttrinSacombankgiaion2001-2010c ph duyt theo Quyt nh 193/2001/Q-HQT, Sacombank hon thnh mt cch xut sc tt cccmctiuravitctngtrngbnh qunhngnmt53-64%,cth:u Tng ti sn: Cui nm 2010 t 141.799 t

ngnh tng 17 ln). ng thi, c cu tng ti snNgnhngciuhnhhpl,tisn c sinh li ngy cng chim t trng cao trong nhng nmgny(t76,5%nm2008tng ln83%hinnay).u vn iu l:Nhmnngcaonnglchotng

kinh nghim c kT Sau10nmthchinChinlcgiaion2001-2010,Sacombanktcnhngthnhquni btmkhngphiddngcc,nhngBanlnhovcccnbnhnvinSacombankluncm thytrntrvnhngktquchatcnhkvngvxemlnhngbtcpcntntitrong qutrnhphttringiaionqua.Sacombanknhnthc,ychnhlnhngthchthcmccnv trongtonhthngphirascnlcvtquanhmtcnhngthnhqutrnvnhntronggiai onphttrinspti. v ngun lc phc v cho s pht trin: Trong qutrnhphttrin,Sacombanktndngtng chithunlitngtcphttrinmimthot ng,nhtlvquymtngtisn,vniulv hthngmngli.Tuynhin,schunbccyu tvhtngcngnghvngunnhnlccha theokptcphttrinmnhmcaNgnhng. v qun l v pht trin sn phm, dch v (SPDv): SPDV cha xut pht t nhu cu cng nh cha mang tnh t ph hng dn nhu cutkhchhng.Cngtcnghincuthtrng v nh gi hiu qu SPDV cha ng b; cng thmhtngcngnghthngtinvcngtco tonhnschahtrchovicphttrinSPDV c cht lng cao, c tnh hin i. Ngn hng ang tin hnh ti cu trc v ci tin hot ng ny theo hng kch thch nhu cu khch hng bng cc dng sn phm v cung cch phc v theochunquct. v qun l ri ro: Sacombank ang c gng rt ngnkhongcchvdntimcnviccchun mc quc t. y cng l thc trng chung ca ngnhNgnhngVitNamtrong10nmvaqua. Hinnay,SacombanklmttrongstNHTMc hthngqunlrirohiuqunhttrongngnh, th hin qua vic kim sot hng ngy cc ch s antonhotnglinquannrirotndng,th trngvhotng. Bncnh,Sacombankangngycngchtrng vocngtcqunlrirothngquahotngtin kim v d bo ri ro (theo tng ngnh ngh) t sm,cgiiphpchngiph.Tronggiai oncuicachinlc10nm,Ngnhngcng angtngcnghthngquntrthngtin(MIS) cthtipcnccchunmcquctvqun lriromtcchtintin,hiuqunht;ngthi tiptcpdngccmhnhqunlrirophhp viquymvtheochunmcBaselII.

v pht trin bn vng, ng thi c s tin tngvgnbcacccngcngnhuy tnthnghiungycngcnngcaotrn thtrng,Sacombanktndngcciukin thun li y mnh quy m vn iu l vi mctngbnhqun53,7%/nm:t190tng nm2001tngln9.179tngnm2010,tng gp48ln(trongkhibnhquntonngnhch tng15ln). ngvnphitngtrngbnhqun20-22%/ nmchogiaion2001-2010,Sacombank honthnhvtkhochmtcchntngvi tctngtrnghuyngbnhqun54,4%/ nm,tngnhanhgphn2lnsovitctng trngcangnh(24%/nm).

u huy ng vn: Mc tiu chin lc ra huy

u D n cho vay:Tctngtrngdncho

vay bnh qun ca Sacombank trong giai on 2001-2010l53,1%/nm,gpgn2lnsovi tc tng trng bnh qun ca ngnh (27%/ nm).ngthi,Sacombanklunkimsotcht lng tn dng hiu qu v l mt trong nhng ngnhngctlnxuthpnhttrongnhm ngn hng TMCP - di 1%. Khi t l n xu trongtonngnhngnhngthiimcuinm 2009v2010ul2,5%(nm2008l2,13%). chivvndngmingunlctoras pht trin t ph trong mi hot ng v a linhuntrcthuttngtrngbnhqun 64,2%/nm. v nh hng 10 nm ti s pht trin m rng ra th trng khu vc, do cc chun mc an tonvhotngtheothnglquctc Sacombankpdngtnm2007.Vvy,mcd hotngtrongiukinkhkhnchung,nhng vi nhng quy nh theo Thng t 13/2010/TT/ NHNNccchsantoncaSacombankut.

u kt qu kinh doanh:Sacombankcngtndng

u m bo cc ch tiu an ton: Vi tm nhn xa

Vinntngxydngtrong10 nmquacngnhngkinhnghim cktc,chngticamkt s nhanh chng tn dng nhng chicnmvbinnhngthch thcangnthnhnhnggitr giatngtiukttinhvolich cacng,cakhchhng,ca i ng cn b nhn vin v hin thc ha nhng hoi bo, kht vngcanhngcngsnglp Sacombank bng vic trin khai thc thi hiu qu v hon thnh tondinttcccmctiutrong Chin lc pht trin giai on 2011-2020.

ng,gphn45lnsovinm2001;vimc tng bnh qun 54,7%/nm, vt xa mc tiu tng20-22%/nmtratrongchinlc(ton

16

V cng ng - pht trin a phng Tng kT Thnh Tu v nh hng chin lcnhgichinlcgiaion2001-2010 cc ch tiu ti chnh ch yu qua cc nm nhhngchinlcphttringiaion2011-2020

Bocothngnin2010

V cng ng - pht trin a phng Tng kT Thnh Tu v nh hng chin lcnhgichinlcgiaion2001-2010 Ccchtiutichnhchyuquaccnm nh hng chin lc pht trin giai on 2011 - 2020

17

cc ch tiu ti chnh ch yu qua cc nm(ChtiunydatrnBocotichnhringcaNgnhng)

nh hng chin lc pht trin giai on 2011 - 2020:

vn tm khu vc

cc ch s ti chnh Thiimcuinm Tngtisn Vnchshu(tng) Trongvniul(tng) Tngngunvnhuyng(tng) Dnchovay(tng) Mnglihotng(slngimgiaodch) Tngscnbnhnvin(ngi) Cnm Tngdoanhthu Tngchiph Linhuntrcthu Linhunsauthu Thunhptrnmicphiu(EPS)(ng/c phiu)* Chstichnh Tlantonvn(CAR)(tithiu9%) Dnchovay/Tngtisn Dnchovay/Ngunvnhuyng Tlnxu/Tngdn Tlnquhn/Tngdn Thunhpngoili/Tngthunhphotng Chiphiuhnh/Tngchiph Tisncsinhli/Tngtisn Linhunsauthu/Vnchshubnhqun (ROE) Linhunsauthu/Tngtisnbnhqun (ROA)

nm 2010 141.799 13.633 9.179 126.203 77.486 366 8.507 12.774 10.348 2.426 1.799 2.422

nm 2009 98.474 10.289 6.700 86.335 55.497 320 7.200 8.489 6.588 1.901 1.484 2.771

nm 2008 67.469 7.638 5.116 58.635 33.708 247 6.016 8.377 7.286 1.091 973 1.869

nm 2007 63.364 7.181 4.449 54.791 34.317 207 5.419 4.537 3.085 1.452 1.280 2.732

nm 2006 24.764 2.804 2.089 21.514 14.539 159 3.806 1.996 1.452 543 408 2.226

i. Xu hng PhT TRin ngnh ngn hng viT nam VitNamangthchinltrnhcamktWTOtrong lnhvctichnhngnhng.Thtrngngnhng cnskhaivnhiutimnngphttrin,cngvi cimdnstrlmchothtrngngnhng VitNamtrnnrthpdn.iunychothys cnhtranhcangnhngnhngtrongthigianti ysngymtmnhmhnvihiccngn hngphitduylitiptccit,tilpvnh hngconngichoringmnh. Xu hng pht trin ca ngnh ngn hng c s phn ha thnh tng lnh vc ring bit ch khngcnnthunlmtngnhnganng truyn thng. Cc mng kinh doanh bn l, bn bun, ti chnh vi m, cho vay tiu dng v m hnh ngn hng u t ang i vo chuyn bit ha tng lnh vc.Ty vo th mnh ca mnh, mingnhngslachnmhnhphttrin tp trung khai thc ti a lnh vc nhm gia tngthphnhotngdnntiuhavchi phcngnhlinhun. Mcdslngthnhphnthamgiangycng nhiuvscnhtranhngycngtngmnhtrn thtrngtichnh,nhngquymcathtrng chc chn cng tng ln mnh m theo s pht trin ca nn kinh t. V vy,lnh vc ngn hng bn l c nhn nh vn cn d a pht trin.Tuynhin,htngcngngh,nngsutlao ng,snphmniuanglnhngrocn trongcnhtranhcaccngnhngnia.Chc chnrngccngnhngphixydngmctiu phttrinbnlrrng;cchinlctngcng nnglcvn,cngnghvquntrriro;cngc htngcngngh,adnghasnphmdchv (SPDV).Vhnbaogiht,thnhcngthcc ngnhngphixydngchomnhmththng nng lc li nhm to s khc bit v pht trin bnvng. ii. Tng quan chin lc Sacombank ChinlcphttrinSacombankgiaion2011 - 2020 tip tc kin nh vi mc tiu tr thnh Ngn hng bn l hng u Khu vc v theo

nh hng hot ng HIU QU - AN TON - BNVNG. Vitmnhn,honthnhsmnhkhng ngng pht trin nhm cung ng n khch hng nhng gii php ti chnh trn gi, a tin ch, thit thc vi gi thnh hp l khng ngng ti a ha gi tr gia tng ca khch hng, c ng, mang li gi tr v ngh nghip v s thnh vng cho nhn vin; ng thi, ng gp vo s pht trin chung ca x hi v cng ng,chinlc ca Sacombank thi k 2011 - 2020 xc lp 5gitrctliphimbotunth: (i) Tinphong; (ii) Lunimi,nngngvsngto; (iii) Camktvimctiuchtlng; (iv) Trchnhimivicngngvxhi;v (v) Todngskhcbit. III. mc Tiu chin lc T mc tiu k vng xy dng Sacombank tr thnh ngn hng bn l hng u Khu vc, Sacombank xy dng cc nhm mc tiu vi ccgiiphpvltrnhcth: 1. chin lc ngun nhn lc Mc tiu: s lng cn b nhn vin (CBNV) tonNgnhngnnm2015l13.000ngi. Theo: Tngcngtuyndngnhngnhnsgiic nnglcpngyucutuyndngcanib; Phthinnhnsgiinib,otochunb chonhnsktha; Xy dng cc chnh sch tuyn dng, o to vphttrinnhmnnhnhns,duytrtl nhnsnghvicdi10%/nm. 2. chin lc cng ngh ngn hng Cng ngh thng tin (CNTT) ng vai tr rt ln trong vic tng trng kinh doanh. Theo nh hng pht trin ca mt ngn hng hin i, Sacombank cn phi thc thi chin lc cng nghmnhchothik2011-2020nhm:

9,97% 54,64% 61,4% 0,52% 0,56% 30% 18,78% 85,64% 15,04% 1,5%

11,41% 56% 64% 0,69% 0,88% 41% 22% 85% 16,56% 1,79%

12,16% 50% 57% 0,62% 0,996% 57% 15% 82% 13,14% 1,49%

11,07% 54% 63% 0,24% 0,39% 51% 23% 85% 25,64% 2,91%

11,82% 59% 68% 0,72% 0,95% 33% 27% 79% 17,41% 2,08%

* Ch tiu ny da trn Bo co ti chnh hp nht

18


Bocothngnin2010


19

nh hng chin lc pht trin giai on 2011 - 2020:

vn tm khu vc(tiptheo)

Tng nng sut lm vic ca nhn vin tc nghipvadngSPDVhininhccngn hngquctdatrnnntngcngnghtin tin qua vic lin tc hon thin, b sung v nngcphthngT24; Nngcaonnglccnhtranhvnnglcqun l ca Ngn hng, qua vic trit khai thc tnh nng vt tri ca h thng ngn hng li (corebanking), h thng kho d liu (Data warehouse) v tip tc trin khai cc d n khc (trong cng nh ngoi T24), nhm hon thinhthngquntrthngtin(MIS)gipcho vicraquytnhtrinkhaiccchinlcpht trin ph hp theo tng thi k v nng cao hiuquhotngcatonhthng. 3. chin lc ti chnh Trong giai on 10 nm ti (2011 - 2020), Sacombanktiptctptrungvoccmctiuti chnhsau: ttrngtmvomctiutngtrngvnch s hu vi mc tng bnh qun 15-17%/nm chogiaion2011-2020;trong,vniul tngt15-20%/nm,ngthitndngtia ngunvnthcplmnbychostng trng; Tngtisntngbnhqun15-20%/nm; Li nhun trc thu tng trng bnh qun 17-20% Linhunsauthu/Vnchshu(ROE)bnh qunt15-17%; Li nhun sau thu/Tng ti sn (ROA) bnh qunt1,5-1,7%. 4. chin lc knh phn phi Mctiunnm2020,mnglicaSacombank dkintkhong600imgiaodch,baophton vnlnhthVitNam.Ngoiccimgiaodchti LovCampuchia,Sacombankdkinmrng hotngsangMalaysia,Singapore,M,c,Chu uvmtsnckhctrongkhuvcASEAN.

5. chin lc kinh doanh (huy ng, cho vay) nhhnghotngcaSacombanktronggiai onti: Tng ngun vn tng trng mc 15-18%/ nm cho giai on 2011 - 2020.Trong , huy ngtdncchim65-85%trongtngccu huyngcaNgnhng. Dnchovaytngtrngbnhqun18-20%/ nmtronggiaion2011-2020. 6. chin lc sn phm, dch v TptrungphttrinSPDVbnl,theotng dnttrngngunthutdchvtrongccuthu nhp.Ttrngtngdoanhthutdchv/tngthu nhpcaNgnhngminmsttlbnh qun12-18%chogiaion2011-2020; pngttcccnhucucakhchhngv SPDVtichnhtheonhhngngnhngbn l,trongchtrnghotngbnchoSPDV viccitcclinktvcccngtythnh vintrongTponSacombank,nhmcungng chothtrngccsnphmtichnhtrngivi githnhhpl; mbochtlngSPDVngnhnghngu trongncvccnccnbinnhmtiaha mchilngcakhchhng; ToskhcbittrongSPDVnhmmanglihiu quthitthccngnhnngcaotnhcnhtranh caNgnhng; Phttrinccsnphmmitronglnhvctin t nh sn phm phi sinh, cc sn phm c cu (structured products), cc sn phm chng khonn 7. chin lc qun tr - iu hnh HonthincchquntrNgnhng(Corporate Governance)theomhnhtintin; Xy dng v n nh m hnh t chc v c cu nhn s cng nh m hnh kinh doanh chophhp;

Xydngcchqunltptrung-iuhnh phncpkinnhvxuynsuttHisti ccimgiaodchtrncshthngdbo huhiu; Xy dng b my Qun l ri ro tin tin v chuynnghiptheochunmcquct; Hon thinbmykimtonnibtheong chunquct.

Vinhngthnhqutctrong 19nmqua,cbitlnhngkt qu vt bc trong vic thc hin chin lc giai on 2001 - 2010, Sacombankhontonttincth vt qua giai on kh khn hin nayhonthnhccmctiu c xy dng trong Chin lc pht trin Ngn hng giai on 2011 - 2020 sp ti, theo phng chm pht trin chung ca Tp oncxclpHIUQU- ANTON-BNVNG. Sacombank cng s tip tc m rng mi quan h hp tc - lin minh-linkttrongvngoinc, tng bc tr thnh mt trong nhngNGNHNGBNLHIN I - A NNG HNG U CA KHU VC,c bitl ti ba nc ng Dng, ng hu gp phn vo tin trnh y nhanh qu trnh cngnghipha-hinihann kinhtVitNam.

20


Bocothngnin2010


21

khu vc Thnh Ph h ni

[Tinphongktnithtrngtint]

Sacombank l ngn hngTMCP u tin tiTP.HCM thnh lpChinhnhtiHNitnm1993vtinphongcungng cc dch v thanh ton chuyn nghip, gp phn gim dn tnhtrngsdngtinmttrongnnkinhttihaithln nhtncTP.HCMvHNi.Sauhn17nmgnbcng Th , thng hiu Sacombank c khng nh trn thtrngtichnhthngquamnglihotngtrirng, dchvtichnhadngvkpthipngnhucuti chnhtngtrngmnhmcacngngdoanhnghipv cnhntiHNi.

li th cnh tranhDchvthanhton;Chovaydoanhnghipvavnh.

li th mng li41 imgiaodchgm8Chinhnhv33Phng giaodch(tithiim28/02/2011)

i l Thng Long, H Ni

22BococaBaniuhnh BococaBanKimsot



23

bo co hoT ngbo co ca hi ng qun tr

bo co hoT ngbo co ca hi ng qun tr BococaBaniuhnh BococaBanKimsot

bo co ca hi ng qun trTrongkhi,chngticngchtrngcngtc phn tch d bo v nghin cu pht trin thng qua vic sm thnh lp v a Ban Nghin cu v Pht trin i vo hot ng c hiu qu bc u,trncsquanimKhnngsinhlingy mai ty thuc vo nng lc phn tch d bo v nghin cu pht trin hm nay. Chng ti cng tptrungchonghincucitinccchnh sch ng lc i vi nhn vin nhm khi dy nimamm-trsngto-tnhchngcami ngi,ngthixctinccChngtrnhnng caochtlnghotng,Chngtrnhkchthch bnhng Mt khc, HQT chng ti cng tp trung ci tinvthcthichnhschkimtrakimsotv kimtonnib-chnhschvcngcquntr riro,trongcchnhschtndngvcngc ngnchnvxlnquhnphtsinh.cbit lchngtipdngvphthuytcdngca mhnhqunlkhuvc(baogm8khuvc)trong quntr-iuhnh-htr-vgimstmimt tchcvhotngcahthngccChinhnh, Phnggiaodchtrngtrntngabntheoa giihnhchnhkhp3ncngDng. Nhn chung l qua ch o thc hin nhim v k hoch nm 2010 v trin khai thc hin cc mctiuphttringiaion2001-2010,HQT chngtirtvuimngnhnthycngvludi, Sacombank cng i vo hot ng n nh, hiu qu v an ton.Tuy nhp tng trng trong 3 nmgnycchnglisovi7nmtrc nhngtctngtrngnichungvhiuqu kinh doanh ni ring vn lun m bo nm sau luncaohnnmtrcvinhptngtrng bnhquntrongc10nmt64%/nm. Bn cnh nhng thnh tu t c, qua phn tch nh gi tnh hnh thc hin k hoch 2010 v chin lc pht trin giai an 2001 - 2010,HQTvBaniuhnhchngticng nhn nhn c cc im bt cp ca bn thn Sacombanksoviyucuphttrinvhinhp. T,chngtiravangtinhnhthc thimtsgiiphptchccnhmkhcphccc mtyu,iuchnhccimbtcpgivng vthSacombanktrnthngtrngtrongnc vtrongKhuvc. Bcvothchinkhochnm2011-nmu ca thp nin th 2 th k XXI, bn cnh nhng gam mu sng ca bc tranh kinh t th gii v trongncthikhukhnghong,trongngn hnnnkinhtnctaangphiimtvikh nnglmphtvtngngmctiukvng.y chnhlmtthchthcln,chcchnscnh hngnhtnhnkhnngthchinkhoch nm2011caNgnhngta. Do vy v vi ngha v thn trng vn c, nm 2011 HQT chng ti ch trng: Mt mt phi tunthnghimngtchnhschthtchttint gp phn kim ch lm pht nhm m bo mc tiu an ton cho Sacombank v cho c h thngccNHTMVitNam.Mtkhc,cnphitip tcutchiusuthngquaccchngtrnh ticutrc,ccdnhiniha,ccni micchvnhnh,phngthcquntrvquy trnhkinhdoanhtheohngtoskhcbit,tm kimkhongtrngthtrng,ngthicungcp ycngc-nglc-viukinthchhp tiptckhidynimamm-trsngto-v tnhchngcamicp,mingi,nghuto raimnhnctnhbcngottrongnm2011, ngthixydngnnmngvngchcchobc pht trin nhanh v bn vng trong nhng nm tip theo, khiiu kin cho php vthtrng ti chnh-tintnctav2nccnbinc nhgicnytimnng. Vinhnglithsosnhvnnglctichnhdi do-mnglihotngrngkhp-bmyiu hnh tr, nng ng - v h thng ngn hng li tintinhini;viquanimthayivtthay itrncsphiraschchihonthin vphttrinbnthn;vimctiuquyttmxy dngSacombanktrthnhNgnhngbnlhng u trong nc v trong Khu vc; v vi nhng quytschvgiiphpchyutngtrinkhai thnhcngtrong10nmri,HQTchngtitin lSacombankhontonckhnnghonthnh tondinvvtmckhochnm2011,thm chsvtxanuiukinchophp;ngthi strinkhaithchinttnhtccmctiutng trngrachocthik2011-2015.

Nm 2010 khp li trong bi cnh kinh t th gii chm hi phc, nhiu din bin phc tp v trongmitrngkinhtvmcanctacha thtsnnh,lilunphiimtvinhngbin ngkhngmongchvlisut-tgi-lmpht saucnkhnghongtichnhvsuythoikinht toncu2008. Trongbicnhchungnhvy,vicclithv quym,kinhnghim,tnhnngngsngtov khnngdthchng,trongkhunkhchinlc va phng th, va tn cng, vi 4 nhm gii phpchyutrinkhaithchinccmctiu pht trin c xc lp trong giai on 2001 2010,Sacombankphnuhonthnhhu nhtondinccchtiukhochnm2010vi nhptngtrngbnhqunt25-30%sovi nm trc, m bo cc ch s an ton ti chnh theongquynhcaNHNN,ngthicng ktthcthngliccmctiuphttringiaion 2001-2010vinhptngtrngbnhqunt 64%/nm.

vikhnghong,nm2010HQTchngtich trng:Mtmttiptcthchinchiuqu4 nhm gii php ch yu bao gm (i) tng nhanh nng lc ti chnh; (ii) m rng mng li hot ng;(iii)phttrinngunnhnlccchtlng; v(iv)hinihacngnghngnhngtrn csmhonthnhkhochcgiaotrong nm,gpphnktthcthngliccmctiupht trin giai on 2001 - 2010, ng thi m bo hot ng an ton - kinh doanh hiu qu - pht trin bn vng theo quy nh ca NHNN v theo khtvngcabnthnSacombank.

Songsong,Sacombankcngtptrungnngcao khnngthchngvtngcngsccnhtranh thng qua chng trnh ti cu trc Ngn hng, baogmhonthinkintrcthngtng,cutrc libmy,phnbliccngunlc,xydngli vnhadoanhnghipvbngvictrinkhaithc hinhnglotccdnnhmgnktquytrnh kinhdoanhvikhnngngdngcngngh txydngnntngvnhnhvngchctheo hngnngcaotnhchunhavkhnngtch LcquanQUNLNgnhng,vinhngkinh hp,nghutngnhanhnngsutlaong,hiu nghim rt ta c sau 19 nm tn tm tn lc sutlmvic,hiuqukinhdoanh,trnhqun xy dng Ngn hng v sau 2 nm sng chung lcngknngqunlvchmsckhchhng.

24bo co ca ban iu hnh BococaBanKimsot



25

bo co hoT ngBococaHingQuntr

bo co hoT ngBococaHingQuntr bo co ca ban iu hnh BococaBanKimsot

bo co ca ban iu hnhi. Tng kT Tnh hnh hoT ng nm 2010 1. Tng quan tnh hnh kinh t Trong nm 2010, kinh t Vit Nam phi i din vi nhiu kh khn nh: (i) cn i v m cha bn vng - cht lng v hiu qu tng trng kinhtcnthp;(ii)tnhhnhbinnggiphc tp,nguyclmphtcao;(iii)mcdtrngoi histgim;(iv)thtrngchngkhonmm; (v) nhp siu vi s tuyt i ln, cn cn thanh tonthmhtgyplclntgingUSD/VND; (vi)ncngvtmcantonvhiuquut cng kh thp. Hn th na, tnh hnh thin tai, dchbnhmtsnilmnhhngkhngt nisngdnc. NhnggiiphpkpthicaChnhphtrong c cc chnh sch tin t linh hot gip Vit NamduytrctctngtrngGDP6,78%, vt ch tiu so vi k hoch t u nm. Xut khu tng trng 25,5% so vi nm 2009, nhp siuckimchmc17,3%kimngchxut khu,thphnmc20%cakhoch,thungn schvt9,3%dton,chingnschNhnc bng98,4%dtonnm,tngutxhitng 17,1% so vi nm 2009 v bng khong 41,9% GDP. Tng ngun vn huy ng v cho vay ca Ngnhngnhngtnglnlt27,2%v29,8%; Tngphngtinthanhtontng25,3%. 2. kt qu hot ng kinh doanh Sacombank nm 2010u u

v huy ng vn

Trongnm2010,nhbmstdinbinthtrng vraccgiiphpkpthilinhhottheoc thtngabn,Sacombankphttrinvn nhngunvnhuyngtkhchhng.Viuytn thnghiuiviccngnhngvnhchti chnhquctcgydngsutthigianqua, Sacombankadnghavtngdnngunvn huyngthngquaccngunvnythcngun vntititrthtndng(LC)vikhndivli suthpl,gimdnsphthucvothtrng trongnc. Tnh n 31/12/2010, tng ngun vn huy ng quyiVNDt126.203tng,tng46%sovi cuinm2009.Trong,huyngttchckinh tvdncl103.804tng,tng32%,chim ttrng82%trongtngngunvnhuyng.Th phn huy ng ca Sacombank vn tng trng bn vng qua cc nm. n cui nm 2010 t 4,8%ttrngcatonNgnh.155%

Tng ngun vn huy ng vT: T ng47% 46%126.203 118.830

75% 7%86.335 58.635

v tng ti sn21.514

54.791

Tngtisnthiim31/12/2010t141.799t ng,tng43.325tngsoviunm(tng ng44%).Tng ti sn vT: T ng141.799

31/12/2006

31/12/2007

31/12/2008

31/12/2009

31/12/2010

KH2010

Tctngtrng

135.000

u

v cho vay

98.474 67.469

63.364

24.764

Vinlcthchinticcudanhmc,trnc s pht huy ti a th mnh ca kinh t mi a phng, cc sn phm cho vay ca Sacombank c ci thin ng k, cung cp nhiu s la chn a dng v phong ph theo nhu cu ngy cng cao ca khch hng, c phn khc v nh v theo dng sn phm hng v khch hng, phthuytiatimnngcatngvngmin,gp phnvosphttrinkinhtxhicatnga phngniSacombanktrng.

Tnhn31/12/2010,tngdntndngquyi VND ca Sacombank t 77.486 t ng, tng 21.989 t ng (tng ng 40%) so vi cng knm2009.ThphncaSacombanknm2010 vn tip tc tng so vi nm trc, chim 3,6% tngdncaNgnhngnhng. Ngoira,Sacombankcngrtchtrngcngtc qun l tn dng, ch ng thc hin mt cch quyt lit v xuyn sut thng qua cc Ban v PhnbanNgnchn&Xlnquhntitng n v. Nh cht lng tn dng ngy cng cbom,thhinquatlnquhnvt lnxumcthplnltl0,56%v0,52%, thphnnhiusovitlcatonNgnhvthp hnkhochnm2010(9%

Documents

STB_AR2010_VI