vpbank ar 2010_v

8 L Thi T, Qun Hon Kim, H Ni in thoi: 04.39288869 Dch v khch hng: 04.39288880 / 1900545415

www.vpb.com.vn

chuyn i mnh m thnh cng

Bo co thng nin 2010

Mc Lc

04 06 08 13 15 25 37 39 47 55 57

Thng ip t ng Ng ch Dng - ch tch Hi ng Qun tr Ngn hng TMcP Vit Nam Thnh Vng (VPBank) Thng ip t ng Nguyn Hng Tng Gim c Ngn hng TMcP Vit Nam Thnh Vng (VPBank) Khi qut v VPBank Bo co ca Hi ng Qun tr Bo co ca Ban Tng Gim c Bo co ti chnh cc cng ty c lin quan T chc nhn s Thng tin c ng/Thnh vin gp vn v qun tr Ngn hng VPBank vi cng ng Mng li hot ng

chuyn i mnh m thnh cng

THNG iP ca NG NG cH DNG - cH TcH HQT NGN HNG TMcP ViT NaM THNH VNG (VPBaNK)Knh tha Qu v c ng, Qu khch hng,Thay mt HQT VPBank, ti xin gi li cm n chn thnh ti Qu v c ng, Qu khch hng ng hnh v chia s vi Ngn hng trong sut mt nm qua. Nm 2010 tri qua vi nhng bin ng v thch thc i vi nn kinh t Vit Nam ni chung v vi cc doanh nghip ni ring. Khng ng ngoi bi cnh , VPBank cng phi i mt vi nhiu kh khn, th thch nhng vt qua mt cch tt p. S n nh v t chc, hon thnh vt mc k hoch li nhun, thay i hnh nh ca Ngn hng chnh l nhng nt tiu biu ca VPBank trong nm 2010. Nhng thc hin mc tiu xa hn l n nm 2014 s a VPBank t nhm ngn hng gia tr thnh ngn hng bn l hng u Vit Nam v nm trong top 5 ngn hng TMcP Vit Nam, VPBank cn phi chn con ng i ca mnh. chuyn i mnh m thnh cng hay tip tc pht trin nh vn c? cng chnh l cu hi m Hi ng qun tr v Ban iu hnh trn tr v tm ra c ra cu tr li sau khi lm vic cng vi cc i tc t vn chin lc.

i vi nhn vin: VPBank quan tm n c i sng vt cht v i sng tinh thn ca ngi lao ng. VPBank m bo mc thu nhp n nh v c tnh cnh tranh cao trong th trng lao ng ngnh ti chnh Ngn hng, m bo ngi lao ng thng xuyn c chm lo nng cao trnh nghip v, c pht trin c quyn li chnh tr v vn ho... i vi cng ng: VPBank cam kt thc hin tt ngha v ti chnh i vi ngn sch Nh nc; Lun quan tm chm lo n cng tc x hi, t thin chia s kh khn ca cng ng.

Knh tha Qu v,Trong nm 2010, vi s n lc ca cBNV ton h thng, VPBank vt qua hu ht nhng kh khn, thch thc ca th trng v kt thc nm 2010 t c mt s kt qu kh quan: li nhun trc thu hp nht ti thi im 31/12/2010 ca VPBank l 663 t ng, t 102% so vi k hoch nm 2010. chng ti nhn nh rng nm 2011 s tip tc l mt nm kh khn i vi ngnh ti chnh Ngn hng. i vi VPBank, y s l mt nm quan trng vi nhng th thch v chuyn i m Ngn hng t ra t mc tiu a VPBank tr thnh mt trong nhng Ngn hng bn l hng u ti Vit Nam. Vi quyt tm v n lc ca ton th cBNV Ngn hng, chng ti tin rng s p ng c s k vng ca Qu c ng, khch hng dnh cho chng ti. Knh chc Qu v sc khe, hnh phc, thnh cng trong s nghip v tip tc ng hnh cng s pht trin ca VPBank.

chuyn i bt u t u?Mt tm nhn mi vi nhng tham vng mi, mt thng hiu, hnh nh mi mang tnh cch chuyn nghip, tn ty, n gin nhng khc bit chnh l s thay i u tin. Tip , k nng bn hng mi, nhng sn phm mi, h thng im giao dch kiu mi, phong cch dch v mi s l nhng thay i tip theo m chng ti k vng trong tng lai gn. thc hin c nhng tham vng trn, VPBank t ra cho mnh cc s mnh pht trin v phng chm hot ng: li ch ca khch hng l trn ht; li ch ca ngi lao ng c quan tm; li ch ca c ng c ch trng; ng gp c hiu qu vo s pht trin ca cng ng. i vi Khch hng: VPBank cam kt p ng ti a li ch ca khch hng trn c s cung cp cho khch hng nhng sn phm, dch v phong ph, a dng, ng b, nhiu tin ch, chi ph c tnh cnh tranh. i vi c ng: VPBank ch trng nng cao gi tr c phiu, duy tr mc c tc cao hng nm.

ng ch Dng Ch tch

4

Ngn Hng Vit Nam Thnh Vng

NG NG CH DNG

Bo co Thng Nin

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THNG iP T NG NGuyN HNG TNG GiM c NGN HNG TMcP ViT NaM THNH VNG (VPBaNK)Knh tha Qu khch hng, i tc v Qu v c ng,Nm 2010 tuy nn kinh t Vit Nam thot khi khng hong v dn phc hi nhng cha n nh. Trong bi cnh mi trng kinh doanh khng thc s thun li, nm 2010 VPBank t c nhng bc pht trin mnh m, nhng thnh tu ng ghi nhn. VPBank hon thnh vt mc k hoch li nhun c nm, li nhun hp nht l: 663 t ng, t 102% k hoch; Tng ti sn t 59.807 t ng, tng 32.264 t ng so vi nm 2009 (tng ng tng 117%); m bo c tnh an ton, n nh v c bc tng trng kh, nng lc ti chnh v quy m hot ng tng ln ng k, tnh thanh khon c m bo ti mi thi im. Nm 2010 cng l nm ghi nhn s chuyn mnh r rt ca VPBank: Tin hnh thay i din mo mi; Hon thnh vic nng vn iu l ln 4.000 t ng; Pht hnh thnh cng tri phiu nhm a dng thm hnh thc huy ng vn; cht lng dch v ngy cng c nng cao v dn chuyn nghip hn; Mng li hot ng c m rng ch trng ti nhng vng kinh t pht trin. Tuy nhin, khng t tha mn vi nhng thnh cng t c, nm 2011, chng ti cn t ra nhng mc tiu ln hn rt nhiu nh: Tng ti sn t 80.000 t ng; Huy ng vn t khch hng t 36.500 t ng, D n tn dng t 30.400 t ng; Li nhun trc thu t 1.040 t ng. K hoch u tin trong nm 2011 l nng cao nng sut, hiu qu ca cc im giao dch; m rng c s khch hng; ti cu trc v kin ton b my qun tr iu hnh, chun b tin cho vic y mnh hn na chin lc pht trin trong cc nm tip theo. Trong nm 2010, VPBank k kt hp ng vi n v t vn chin lc hng u th gii McKinsey nhm ti cu trc ngn hng mt cch ton din, nng cao th v lc, tng kh nng cnh tranh trn th trng. Vi nhng k hoch v nhim v mang tnh tham vng trn, chng ti tin rng s on kt v nhit huyt ca cc cn b nhn vin, s ng h ca qu v khch hng, c ng s l nhng ng lc chng ti hon thnh xut sc k hoch, a VPBank tr thnh ngn hng bn l hng u Vit Nam. chng ti cng mong rng Qu Khch hng, i tc, Qu v c ng s lun ng hnh cng VPBank trong nhng bc pht trin sp ti. Trn trng cm n,

nguyn hng Tng Gim c

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NG NGUYN HNG

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Khi Qut V VPBAnK8 Ngn Hng Vit Nam Thnh Vng

KHi QuT V VPBaNK

tm nhnn nm 2014 tr thnh Ngn hng bn l hng u Vit Nam v top 5 ngn hng thng mi c phn Vit Nam.

i vi cng ng: VPBank cam kt thc hin tt ngha v ti chnh i vi ngn sch Nh nc; Lun quan tm chm lo n cng tc x hi, t thin chia s kh khn ca cng ng.

S mnhVPBank hot ng vi phng chm: li ch ca khch hng l trn ht; li ch ca ngi lao ng c quan tm; li ch ca c ng c ch trng; ng gp c hiu qu vo s pht trin ca cng ng. i vi Khch hng: VPBank cam kt tho mn ti a li ch ca khch hng trn c s cung cp cho khch hng nhng sn phm, dch v phong ph, a dng, ng b, nhiu tin ch, chi ph c tnh cnh tranh. i vi c ng: VPBank quan tm v nng cao gi tr c phiu, duy tr mc c tc cao hng nm. i vi nhn vin: VPBank quan tm n i sng vt cht v i sng tinh thn ca ngi lao ng. VPBank m bo mc thu nhp n nh v c tnh cnh tranh cao trong th trng lao ng ngnh ti chnh Ngn hng, m bo ngi lao ng thng xuyn chm lo nng cao trnh nghip v, c pht trin c quyn li chnh tr v vn ho...

gi tr ct li chuyn nghip: Vn dng kin thc v kinh nghim, cng phong cch lm vic chuyn nghip, chnh xc, nhanh chng cung cp cc sn phm/ dch v Ngn hng hin i, ng tin cy v ph hp vi nhu cu ca tng khch hng. Tn ty: Nhit tnh t vn, hng dn, gii p mi thc mc ca khch hng, gip khch hng hiu cc sn phm dch v ca Ngn hng mt cch r rng v c th. Khc bit: Lun tm ti, sng to to ra s khc bit, mang n nhng sn phm/ dch v cao cp vi tnh c o v nhiu tin ch cho khch hng. n gin: Tp trung xy dng h thng dch v Ngn hng vi cc th tc n gin, d hiu v thun tin, s dng cng ngh hin i phc v khch hng nhanh chng v hiu qu.

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KHi QuT V VPBaNK

cc s kin quan trngLch sNgn hng TMcP Vit Nam Thnh Vng (tn giao dch l VPBank) tin thn l Ngn hng TMcP cc Doanh nghip Ngoi Quc Doanh Vit Nam c thnh lp theo Giy php s 0042/NH-GP do Ngn hng Nh nc cp ngy 12/08/1993 v giy php s 1535/Q-uB do y ban Nhn dn thnh ph H Ni cp ngy 04/09/1993. Ngn hng chnh thc i vo hot ng k t ngy 10/09/1993.

nm 2008 VPBank c Ngn hng Nh nc Vit nam chp thun cho nng vn iu l ln 2.117 t ng, ng thi nng t l s hu c phn ca OcBc ln 15%. nm 2009 VPBank k tha thun hp tc vi Prudential Vit Nam. Theo tha thun ny, VPBank s tr thnh i l chnh thc ca Prudential Vit Nam thc hin vic phn phi gi sn phm bo him qua Ngn hng ti ngi tiu dng. Ra mt chng trnh u i Golf dnh cho ch th VPBank Mastercard Platinum trn c s hp ng cung cp dch v vi tp on OaaG (Singapore). Trin khai dch v internet Banking. nm 2010 VPBank k kt tha thun hp tc ton din vi Eurowindow Holding. VPBank cng vi Oceanbank ti tr tn dng cho Vinalines mua tu hng trng ti ln. VPBank k tha thun hp tc ton din vi BiDV c Ngn hng Nh nc chp thun cho VPBank i tn t Ngn hng TMcP cc Doanh nghip ngoi quc doanh Vit Nam thnh Ngn hng TMcP Vit Nam Thnh Vng. cng vi vic thay i tn gi, VPBank cng chnh thc a vo s dng logo v h thng nhn din thng hiu mi. Vi tn gi v hnh nh mi, VPBank chnh thc bc sang giai on pht trin mi vi nh hng mi ph hp hn vi tnh hnh kinh t - x hi hin ti. Khai trng chi nhnh Vng Tu. Khai trng chi nhnh Bnh Dng. Tng vn iu l ln 4.000 t ng. Nng s lng im giao dch ton h thng: 150 im.

cc s kin khcnm 2006 VPBank chuyn tr s chnh v S 8 L Thi T, Hon Kim, H ni. Nm ti v tr trung tm ca th , tr s mi l gng mt hin i cng nh nn tng vng chc cho s pht trin lu di ca VPBank. VPBank v Ngn hng OcBc (Singapore) k tha thun hp tc chin lc. Theo tha thun ny, Ngn hng OcBc chnh thc tr thnh c ng chin lc ln nht ca VPBank. K hp ng mua phn mm h thng Ngn hng li (core Banking T24) ca Temenos (Thy S). y l nn tng cng ngh Ngn hng hin i nht, gip VPBank pht trin cc sn phm, dch v Ngn hng c cht lng cao phc v khch hng. Thnh lp 2 cng ty con l cng ty Qun l n v khai thc ti sn VPBank aMc v cng ty chng khon VPBank. nm 2007 Ra mt th VPBank Platinum Mastercard, th chip u tin c mt ti Vit Nam.

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KHi QuT V VPBaNK

Qu trnh pht trin1. ngnh ngh kinh doanh Huy ng vn ngn hn, trung v di hn ca mi t chc thuc cc thnh phn kinh t v dn c di hnh thc tin gi c k hn, khng k hn bng ng Vit nam; Tip nhn vn y thc u t v pht trin ca cc t chc trong nc; Vay vn ca Ngn hng Nh nc v ca cc t chc tn dng khc; cho vay ngn hn, trung v di hn i vi cc t chc v c nhn ty theo tnh cht v kh nng ngun vn;

chit khu thng phiu, tri phiu v giy t c gi; Gp vn, lin doanh v mua c phn theo php lut hin hnh; Lm dch v thanh ton gia cc khch hng; Thc hin kinh doanh ngoi t, vng bc v thanh ton quc t, huy ng cc loi vn t nc ngoi v cc dch v Ngn hng khc trong quan h vi nc ngoi khi c Ngn hng Nh nc cho php. Mi gii v t vn u t chng khon; lu k, t vn ti chnh doanh nghip v bo lnh pht hnh; cung cp cc dch v v u t, qun l n v khai thc ti sn.

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KHi QuT V VPBaNK

2. tnh hnh hot ngmt s ch tiu hot ng chnh ch tiuTng ti sn Ngun vn huy ng D n tn dng T l n xu (%) Li nhun trc thu hp nht Vn iu l T sut li nhun rng trn ti sn bnh qun (ROa) T sut li nhun rng trn vn iu l bnh qun (ROE)

n v tnh: t ng 200610.111 9.056 5.006 0,41% 156,8 750 1,93% 22,59%

200718.137 15.448 13.323 0,49% 313,5 2.000 1,80% 17,63%

200818.648 15.609 12.986 3,41% 198,7 2.117 0,80% 6,70%

200927.543 24.444 15.813 1,63% 382,6 2.117 1,30% 13,90%

201059.807 48.719 25.324 1,20% 663,1 4.000 1,15% 22,65%

tng ti Sn (t ng)60.000 50.000 40.000 30.000 20.00018.137 18.648 27.543 59.807

Vn huy ng (t ng)50.000 45.000 40.000 35.000 30.000 25.000 20.000 15.000 10.000 5.0009.056 15.448 15.609 24.444 48.719

10.000 0

10.111

2006

2007

2008

2009

2010

0

2006

2007

2008

2009

2010

D n cho VAy ( t ng)30.000 25.000 20.000 15.000 10.000 5.000 013.323 12.986 15.813 25.324

Li nhun tRc thu (t ng)700 600 500 400382,6 663,1

300 200

313,5

5.006

100 2007 2008 2009 2010 0

156,8

198,7

2006

2006

2007

2008

2009

2010

nh hng pht trinn nm 2014 tr thnh ngn hng bn l hng u Vit Nam v Top 5 ngn hng Thng mi c phn Vit Nam.

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Bo co cA hi ng Qun tRBo co Thng Nin 13

BO cO ca Hi NG QuN TR

nhng kt qu hot ng ni btNm 2010 nn kinh t Vit Nam va bc qua giai on kh khn nht, ang trn phc hi nhng cha n nh. Nhng kh khn thch thc t ni ti c cu nn kinh t cha th gii quyt mt sm, mt chiu. Bn cnh , nn kinh t th gii cn nhiu bin ng phc tp t cc chnh sch v m ca nn kinh t Vit Nam vo tnh hnh ht sc kh khn. chnh v l do , c th thy ri ro ln nht trong hot ng kinh doanh Ngn hng nm 2010 chnh l t s thay i chnh sch, ri ro li sut v ri ro t gi. Mc d c nhiu kh khn, nhng Ngn hng lun nhn c s ng h, tn nhim ca cc c ng v s ng h ca khch hng. Hi ng qun tr, Ban iu hnh lun tp trung theo st mi hot ng din bin trn th trng Ngn hng, t a ra nhng quyt nh, chin lc kinh doanh ng n, ph hp, kp thi v cc vn nh li sut, tn dng, u t, c s h tng, ngun lc Bn cnh , nm 2010, VPBank cng b thay i tn Ngn hng - theo Ngn hng c tn mi l Ngn hng Vit Nam Thnh Vng, ng thi trin khai d n chuyn i Ngn hng. Kt qu, nm 2010, VPBank hon thnh k hoch t ra vi kt qu t c rt kh quan. Thng hiu ca Ngn hng ngy cng c nhiu ngi bit n. Li nhun trc thu hp nht nm 2010 ca VPBank t 663 t ng, t c 102% so vi k hoch nm 2010, hon thnh k hoch ra.

tnh hnh thc hin so vi k hoch v nhng thay i ln trong nmTrong nm 2010, vi s n lc ca ton h thng Ngn hng, VPBank vt qua hu ht nhng thch thc ln ca th trng v kt thc nm 2010 t c kt qu kh quan. c th mc hon thnh k hoch ca n v c th hin nh sau: Stt1 2

tn n vLi nhun trc thu hp nht Li nhun sau thu hp nht

K hoch650 486

thc hin 2010663 503

t l hon thnh102% 103%

trin vng v k hoch trong tng laiNm 2011 kinh t v m c d bo vn cn din bin phc tp, mi trng kinh doanh cha tht s thun li. Tuy nhin, cng vi s quan tm, nh hng v h tr ca Hi ng qun tr, ton h thng VPBank quyt tm xy dng ch tiu kinh doanh theo hng tng trng mnh m trn c s nn tng t c ca nm 2010 v sn sng nm bt cc c hi kinh doanh c c a VPBank pht trin, cc ch tiu k hoch c xc nh nh sau: 1. Li nhun trc thu hp nht: 2. Li nhun sau thu/Vn iu l bnh qun 3. t l c tc d kin: 1.040 t 19,5% 17%

Ngn hng s theo st din bin tnh hnh th trng, m bo duy tr cc hot ng kinh doanh, m bo cht lng dch v v gi tr thng hiu.

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Bo co cA BAn tng gim cBo co Thng Nin 15

BO cO ca BaN TNG GiM c

Bo co kt qu hot ngNm 2010, trong iu kin kinh t th gii v trong nc cn nhiu kh khn sau khng hong ti chnh v suy thoi kinh t th gii, nn kinh t nc ta sm ra khi tnh trng suy gim, tng bc phc hi v tng trng kh nhanh, nht l v cui nm. Tnh chung c nm, GDP c nc t 6,78%, cao hn ch tiu Quc hi ra (6,5%), trong , tt c cc ngnh, lnh vc u t tc tng trng cao hn so vi nm trc. Bn cnh vn tn ti nhng yu km, kh khn nh nhp siu vn mc cao gy p lc ln cn cn thanh ton, th trng bt ng sn c nhng din bin bt thng, gi c nh t tng t bin; ch s gi tiu dng ton quc c nm vt d kin ra gy nhiu kh khn cho hot ng sn xut kinh doanh ca doanh nghip v i sng ca ngi dn. Trn th trng ti chnh, mi trng kinh t ti chnh v tin t nhiu kh khn, c bit l nhng vn v thiu ht ngoi hi t nm 2009 tr nn cng thng ngay u nm 2010, li sut huy ng t ngt o chiu v tng mnh vo 6 thng cui nm, c lc nh im ln n 18%/nm, gi vng v t gi VND/uSD bin ng bt thng v theo xu hng tng mnh vo nhng thng cui nm. Thm vo , ngy 20/05/2010, Ngn hng Nh nc ban hnh Thng t s 13 quy nh cc t l m bo an ton trong hot ng ca cc t chc tn dng. y l vn bn ng ch nht trong nhng iu chnh chnh sch nm 2010 ca c quan qun l nh nc, nh hng su rng n hot ng ca cc

Ngn hng, thu ht s quan tm c bit ca cng chng - c bit l gii u t. V c bn, nhng quy nh ca Thng t 13 c xy dng theo hng nng cao hn cc tiu chun an ton, sit cht hn vic s dng cc ngun vn trong hot ng ca cc t chc tn dng. Mc d cnh tranh trn th trng ti chnh ngy cng gay gt, nhng nm 2010, mt trong nhng thnh cng nht ca VPBank l hon thnh vt mc k hoch li nhun c nm. Li nhun hp nht t: 663 t ng, t 102% k hoch; Tng ti sn t 59.807 t ng, tng 32.264 t ng so vi nm ngoi (tng ng tng 117%); m bo c tnh an ton, n nh v c bc tng trng kh, nng lc ti chnh v quy m hot ng tng ln ng k, tnh thanh khon c m bo ti mi thi im. Nm 2010 cng l nm ghi nhn s chuyn mnh r rt ca VPBank, tin hnh thay i din mo mi, bui ra mt nhn din thng hiu mi c t chc rt trang trng v gy c s ch ca cng chng. Ngoi ra, VPBank hon thnh vic nng vn iu l ln 4.000 t ng, pht hnh thnh cng tri phiu nhm a dng thm hnh thc huy ng vn, ch trng pht trin cc sn phm dch v, cht lng dch v ngy cng c nng cao v dn chuyn nghip hn, mng li hot ng c m rng ch trng ti nhng vng kinh t pht trin.

tnh hnh hot ng ca ton h thngmt s ch tiu chnh

Bng tng hp tnh hnh thc hin mt s ch tiu n v tnh: t ng mt s ch tiu chnhTng Ti sn Huy ng vn t khch hng D n tn dng T l n xu (%) Vn iu l LN trc thu hp nht (ly k)

nm 200927.543 16.490 15.813 1,63% 2.117 383

nm 201059.807 23.970 25.324 1,20% 4.000 663

So vi 2009 (%)117% 45% 60% -0,43% 89% 73%

So vi Kh123% 90% 110% 102%

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hot ng huy ng vnHot ng huy ng vn gp nhiu kh khn, li sut v huy ng vn t ngt o chiu v tng mnh vo cui nm. cc Ngn hng ua nhau m cc chng trnh khuyn mi hp dn. Trong nm 2010, VPBank cng m ra nhiu chng trnh khuyn mi hp dn nh: Lt Shi i Mercedes cng VPBank; Gi tin trng vng, giu sang thnh vng; Qu xun vui tt, lc vng c nm, Tun l vng cho khch hng thnh vng. Li sut ca VPBank lun tun th theo quy nh ca Ngn hng Nh nc v iu chnh linh hot theo th trng; Ngoi ra, sn phm huy ng vn ca VPBank ngy cng a dng nh pht hnh thm k phiu, ti khon thng minh... nn lm cho ngun vn huy ng t khch hng ca VPBank vn gi c n nh v tng trng tt. c cu ngun vn huy ng n v tnh: t ng nm 200924.444 16.490 12.953 3.537 7.477 477

ch tiuTNG NGuN VN Huy NG Huy ng vn t khch hng Trong : Tin gi tit kim Tin gi thanh ton v tin gi khc Huy ng vn t TcTD Pht hnh giy t c gi Huy ng khc

nm 201048.719 23.970 17.235 6.735 13.782 9.631 1.336

t trng/ tng h100% 49% 35% 14% 28% 20% 3%

So vi nm trc24.275 7.480 4.282 3.198 6.305 859

% so vi nm trc99% 45% 33% 90% 84% 180%

(* Ngun: Bo co kim ton)

Tng ngun vn huy ng ca VPBank nm 2010 l 48.719 t ng, tng 24.275 t ng so vi cui nm trc (tng ng tng 99% so vi nm trc). Huy ng vn t khch hng n 31/12/2010 t 23.970 t ng, tng 7.480 t ng so vi nm trc (tng ng tng 45% so vi nm trc). Trong huy ng t tin gi tit kim t 17.235 t ng tng 4.282 t ng so vi cng k nm trc (tng ng vi tng 33%); tin gi thanh ton v tin gi khc 6.735 t ng, tng 3.198 t ng so vi nm ngoi.

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Din bin huy ng vn t khch hngt ng 30.000 25.000 20.00018.996 27.000 23.970 21.637 21.878 23.970

n v tnh: t ng

15.00012.941 14.230

16.490 14.262

16.161

16.675

16.490

10.000 5.000 0

2007

2008

2009

2010thc hin 2010

Qi/10

Qii/10

Qiii/10

QiV/10

Kh2010

thc hin (cng k 2009)

hot ng tn dng v u tTnh n 31/12/2010, d n tn dng t 25.324 t ng, tng 9.511 t ng so vi cng k nm 2009 (tng ng tng 60,18%) v t 110% k hoch nm. V cht lng tn dng: T l n xu ton Ngn hng n cui nm vn c kim sot cht ch, con s ny l 1,2%, gim 0,41% so vi cui nm trc v thp hn rt nhiu so vi mc bnh qun chung ca ton ngnh l 2,5%. T l n nhm 2/tng d n l 1,15%, gim 88 t ng so vi cui nm trc (tng ng gim 0,14%). Din bin d n tn dng ca khch hngt ng 30.0003,41%

n v tnh: t ng4%25.324 20.945 22.317 25.324

25.000 20.00015.810

24.017

23.000

4% 3%

18.677 15.787 12.604 1,63% 1,20% 1,64% 1,38% 1,38% 14.327 15.781

15.920

15.904

15.810

3% 2% 2%

15.000 10.000 5.000 0

13.218

12.986

1,26%

1,28%

1,20%

1% 1%

0,49%

2007

2008

2009

2010

Qi/10

Qii/10

Qiii/10

t10/10

t11/10

t12/10

Kh2010

0%

th - 2010

cng K nm trc

t L n 3-5

18



Trong nm 2010, hot ng u t tng trng mnh m, lm cho c cu tng ti sn phong ph, a dng hn v ng gp kh vo kt qu li nhun. Trong c cu tng ti sn, khon mc u t giy t c gi v chng khon chim mt t trng ln hn trong tng c cu, n cui nm con s ny l 12.742 t ng, trong tri phiu chnh ph l 1.590 t ng, cn li l cc loi giy t c gi khc.

u nhng v tr kh thun li trong kinh doanh v nhng vng kinh t pht trin. Trong nm 2010 VPBank cng trin khai d n chun ha m hnh cN, PGD ton h thng theo m hnh Ngn hng bn l hin i.

Bo co tnh hnh ti chnhPhn tch mt s ch s ti chnhHiu qu s dng vn ca VPBank tng ln r rt, th hin ch s li nhun sau thu/vn iu l bnh qun (ROE) hp nht t 22,65% tng 8,75% so vi nm ngoi. Li nhun sau thu/ tng ti sn bnh qun (ROa) t 1,2% gim 0,1% so vi nm ngoi l do quy m tng ti sn tng mnh. Kh nng sinh li

hot ng ca Khi ngun vnHot ng kinh doanh vn v m bo thanh khon ca VPBank lun gi c s n nh, li sut huy ng ca VPBank lun c iu chnh linh hot theo th trng. Din bin li sut v thanh khon trn th trng lun cng thng, c bit l vo thi im cui nm, nhiu Ngn hng phi dng cho vay, nhng d n tn dng ca VPBank vn tng trng rt mnh m. T gi ngoi t trn th trng c bit l uSD bin ng phc tp, tuy nhin VPBank lun m bo p ng y nhu cu ngoi t ca khch hng. T u qu 3, hot ng trn th trng Lin ngn hng (LNH) si ng hn vi quy m tng mnh v nhiu nghip v hn, em li ngun thu ng k v m bo an ton thanh khon cho Ngn hng. S d tin gi v cho vay cc T chc tn dng (TcTD) khc t 12.579 t ng, tng 5.231 t ng so vi nm ngoi (tng ng tng 71%). Trong khi , s d tin nhn gi v i vay cc TcTD khc t 25.998 t, tng 18.379 t ng so vi nm trc (tng ng 241%). Doanh s giao dch nm 2010 trn th trng LNH l trn 195.056 t ng. Nm 2010, hn mc kinh doanh trn th trng LNH ca VPBank tng ng k t mc 12.000 t ln 20.100 t ng, th hin uy tn ca VPBank tng ln trn th trng LNH. Hot ng kinh doanh ca Khi ngun vn c s pht trin vt bc, ng gp ng k vo kt qu kinh doanh ca ton Ngn hng, vi mc li nhun trc thu t hn 171 t ng, chim gn 26% tng li nhun ton Ngn hng.

ch tiuLN sau thu/Vn iu l bnh qun (ROE) LN sau thu/Tng ti sn bnh qun (ROa)

200913,9% 1,3%

201022,65% 1,2%

cc ch tiu an ton vn: VPBank lun p ng tt yu cu ca NHNN v cc ch tiu an ton hot ng. n thi im 31/12/2010: t l an ton vn ti thiu t 14,66%; cao hn rt nhiu so vi quy nh ca NHNN l 9%; T l kh nng chi tr ngay 15,7%; T l ngun vn ngn hn dng cho vay trung v di hn t 5,53%; t l cp tn dng t ngun vn huy ng t 51%.

nhng thay i v vn c ngTrong nm 2010, VPBank c NHNN chp thun cho nng vn iu l 2 ln, ln th nht l vo thng 09/2010 vn iu l ca VPBank c nng t 2.117 t ng ln 2.456 t ng; ln th 2 l vo thng 12/2010 t 2.456 t ng ln 4.000 t ng. Tnh n thi im 31/12/2010, VPBank c tng cng 400.000.000 c phiu ang lu hnh (100% l c phiu ph thng).

hot ng pht trin mng liMng li hot ng ca VPBank kh rng ln v c mt hu nh khp cc tnh thnh trong c nc. n ht thng 12/2010 c tng cng 150 im giao dch, trong c 38 chi nhnh (cN) v 112 phng giao dch (PGD). Trong nm 2010, VPBank m mi thm 3 cN v 16 PGD, cc cN v PGD ca VPBank

c tcT l c tc nm 2010 l 10,5% c chia bng c phiu.

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cc hot ng ni bt trong nmc cu t chc v qun lNm 2010, c cu t chc ca VPBank tip tc thc hin theo m hnh khi v ngy cng c hon thin v nng cao vai tr h tr cho cc n v kinh doanh. Trong thi gian qua, xt trong mi tng quan vi cc Ngn hng khc, kt qu kinh doanh v tng trng ang cn chm hn mt s i th cnh tranh, v vy VPBank cn c nhng ci tin mnh dn a VPBank vo mt qu o pht trin nhanh hn v p ng mong mun hn na l dn u th trng. D n chuyn i vi s h tr ca cng ty t vn McKinsey chnh thc khi ng t ngy 15/11/2010. y l d n ln mang tnh chin lc, t ph, c tc ng su rng ti mi lnh vc hot ng ca Ngn hng. D n nhm ti cu trc ton b h thng Ngn hng, sau khi chuyn i thnh cng s nng cao cht lng, hiu sut cng nh quy m hot ng, a VPBank ln mt tm cao mi.

Pht trin sn phm v tin chTrong nm 2010, VPBank rt ch trng pht trin cc sn phm dch v, cht lng dch v c ci thin ng k v thu c kt qu ng ghi nhn. Doanh thu t dch v nm 2010 ca ton h thng t 334 t ng, tng 66,4% so vi nm ngoi.

Pht trin sn phm cho nhm khch hng c nhnTrn c s nghin cu phn tch tnh hnh th trng v tnh hnh thc t ti VPBank, trong nm 2010, VPBank nghin cu xy dng nhiu chnh sch khch hng c nhn ng b, m bo hiu qu, hp l nhm cng c mi quan h bn vng gia VPBank v khch hng hin ti cng nh thu ht khch hng mi. Mc d bi cnh hot ng huy ng vn gp rt nhiu kh khn do li sut th trng bin ng tht thng v cnh tranh gay gt gia cc Ngn hng, nhng bng nhng sn phm mi ni tri v cc chng trnh khuyn mi hp dn, huy ng vn t khch hng c nhn ca VPBank lun gi c n nh v tng trng tt. Ngoi ra, trong nm qua VPBank pht trin hot ng lin kt vi cc i tc chin lc nh Prudential, BiDV, Vincom, nhm m rng i tng khch hng v bn cho sn phm dch v. Trong nm 2010, VPBank thc hin cc bc chun b cho vic ra mt hng lot cc sn phm mi mang hm lng cng ngh cao, c o nhm gia tng ti a tin ch cho khch hng. u nm 2011, VPBank

Pht trin sn phm cho nhm khch hng doanh nghipTng bc xy dng c ch, chnh sch, sn phm p dng cho khch hng doanh nghip theo hng linh hot hn, kh nng p ng khch hng cao hn, tp trung vo cc sn phm ti tr thng mi nh ti tr d n trn gi, logistics, bo lnh. V vy, hot ng pht trin khch hng doanh nghip trong nm qua thu c kt qu ng ghi nhn, s lng khch hng doanh nghip t 16.357, tng 26,94% so vi nm trc. D n khch hng doanh nghip t 10.893 t ng tng 63,63% so vi nm trc, c bit l huy ng t khch hng doanh nghip t 5.579 t ng, tng 118,78% so vi nm trc, thu ph dch v thanh ton quc t t 32,2 t ng tng 111,07%.

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Pht trin sn phm thSo vi cc NHTMcP, sn phm th ca VPBank kh a dng v phong ph, ph hp vi tng nhm khch hng. Ngoi cc sn phm th autolink, VPBank Mastercard Platinum dnh ring cho doanh nhn thnh t, VPBank Mastercard Mc2 dnh ring cho gii tr, v sn phm th thanh ton qua mng VPBank Mastercard E-card. Ngoi ra, VPBank cng rt ch trng trong vic mang li nhng gi tr gia tng cho cc ch th thng qua vic lin kt vi cc i tc cung cp dch v c uy tn.

ti nh v thng hiuT ngy 12 thng 8 nm 2010, VPBank chnh thc cng b tn gi mi: Ngn hng TMcP Vit Nam Thnh Vng, ng thi a vo s dng b hnh nh nhn din thng hiu mi. Thng hiu mi ca VPBank vi phng chm Hnh ng v c m ca bn c xy dng nn t cc yu t: chuyn nghip, Tn ty, Khc bit, v n gin. chuyn nghip: Vn dng kin thc v kinh nghim, cng phong cch lm vic chuyn nghip, chnh xc, nhanh chng cung cp cc sn phm/ dch v Ngn hng hin i, ng tin cy v ph hp vi nhu cu ca tng khch hng. Tn ty: Nhit tnh t vn, hng dn, gii p mi thc mc ca khch hng, gip khch hng hiu cc sn phm dch v ca Ngn hng mt cch r rng v c th. Khc bit: Lun tm ti, sng to to ra s khc bit, mang n nhng sn phm/ dch v cao cp vi tnh c o v nhiu tin ch cho khch hng. n gin: Tp trung xy dng h thng dch v Ngn hng vi cc th tc n gin, d hiu v thun tin, s dng cng ngh hin i phc v khch hng nhanh chng v hiu qu. Biu tng mi l hnh nh cch iu bng hoa sen ang n, loi hoa tiu biu ca dn tc Vit Nam, th hin mong mun ca VPBank ng gp vo s pht trin bn vng, thnh vng v trng tn cho t nc Vit Nam.

cho ra mt cc sn phm mi nh: Tit kim Tch lc, VP Super, Tit kim Th ni Thnh Vng, vi nhiu c tnh ni tri, thu ht c s quan tm t pha khch hng.

Pht trin sn phm ngn hng in tHin nay, VPBank ang cung cp nhiu sn phm Ngn hng in t nh SMS Banking, cho php nhn thng bo v truy vn cc giao dch, bin ng s d ti khon, ; internet Banking i2b cho c khch hng c nhn v khch hng doanh nghip, gip khch hng c th thc hin tra cu thng tin, thay i thng tin, thc hin chuyn tin trong h thng cng nh lin ngn hng. Dch v internet Banking ca VPBank s dng c ch xc thc kp (bo mt bng 2 mt khu song song) bao gm mt khu OTP (mt khu s dng 1 ln, c nhn tin qua TD) v mt khu c nhn nhm m bo an ton cao. n nay, dch v ny c pht trin thm nhiu tnh nng mi v em li nhiu tin ch cho khch hng hn.

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Hnh dng biu tng ging nh hai i bn tay p mm non ang vn ln, tng trng cho s pht trin i ln khng ngng, l ch da vng chc, ng tin cy m bo cho s pht trin v thnh vng. Mu ti ca cnh hoa th hin nhit huyt, tinh thn lm vic hng say, tnh sng to, s thnh vng v may mn cng nh tinh thn trch nhim i vi x hi, i vi cng ng trong mi hot ng ca VPBank. Kiu ch c thit k thong v n gin mang n mt ci nhn v cm nhn hin i, ng thi th hin s minh bch trong hot ng ca Ngn hng, Nhng ng cong mm mi th hin s linh hot, phc v tn ty v th tc n gin. Mu xanh l cy mang li sc sng ti mi vi ngha em n thnh cng vng bn cho khch hng, cng nh s thnh cng, pht trin ca chnh Ngn hng. c bit, nt ch k cui logo c to thnh bi cnh hoa sen mu hng ln trn, th hin quyt tm ca VPBank mun em n khch hng nhng sn phm/ dch v c o, khc bit vi cht lng tt nht, vi phong cch hin i, chuyn nghip v ng tin cy nht, vi mong mun gip khch hng bin c m thnh hin thc thng qua nhng n lc hnh ng. cng vi hnh nh cnh hoa sen, cnh hoa trong ch k em n cm gic v mt s nht qun, kin nh vi nh hng pht trin bn vng ca Ngn hng, xy dng hnh nh mt VPBank l i tc uy tn cho s hp tc bn cht v cng pht trin vi cc khch hng. cng vi vic thay i h thng nhn din thng hiu, VPBank cng thc hin d n ti cu trc ton din hng ti mt m hnh Ngn hng hin i a nng, pht huy ti a hiu qu ca c ch qun l, nng lc cng ngh v con ngi.

NHNN ... Trong khi , cPi qu i t 6,12%, gn chm mc 7% c nm m Quc hi t ra. Hin ti chnh ph ang thc hin cc chnh sch ti kha cht ch, chnh sch tin t tht cht cng rt nhiu bin php khc iu hnh nn kinh t, do vy d kin hot ng Ngn hng trong nm nay s ht sc cng thng v kh khn. Vic pht trin mng li hot ng cng khng d dng v NHNN vn ang p dng chnh sch hn ch v hin ang dng cp php m thm cN/PGD mi ch Thng t hng dn Lut TcTD mi. Mt khc, mc d trong nm 2010 VPBank tng vn ln 4.000 t ng v tng vn t c l hn 5.000 t ng nhng mc ny l cha cho nhu cu m rng kinh doanh trong nm 2011 cng nh cc nm sau. H s an ton vn (caR) hin ti ang l 14,66% (h s ny phi duy tr ti thiu 9%), nhng do c th v tn dng ca VPBank v mc tng trng t u nm n nay, cng vi vic NHNN p dng ngt ngho hn v tiu ch nh gi cc khon vay v t l ri ro trn cc khon cp tn dng th h s ny c th ch cn t trn 9%, khng th p ng c nhu cu tip tc tng trng tn dng, m rng lnh vc kinh doanh cng nh cc nhu cu u t, mua sm ti sn v nhiu nhu cu ln, cp thit khc. Do vy nhu cu v tng vn iu l trong nm 2011 v cc nm sau vn ht sc cn thit. Nm trong chin lc chuyn i tng th ca Ngn hng c Hi ng qun tr ph duyt, ng thi cn c vo kt qu t c ca nm 2010, cc din bin th trng cc thng u nm 2011 v d kin din bin cc thng cui nm, Ban iu hnh t ra mt s mc tiu v nh hng kinh doanh ch o trn ton h thng.

Phng hng hot ng kinh doanh nm 2011Bc sang nm 2011, hng lot cc tn hiu v m cho thy kh khn trong hot ng Ngn hng. Ngh quyt 11/NQ-cP ngy 24/2/2011 v mt s gii php kim ch lm pht, n nh kinh t v m, bo m an sinh x hi v ch th 01/cT-NHNN ngy 1/3/2011 v thc hin gii php tin t v hot ng Ngn hng nhm thc hin NQ 11 th hin chnh sch tht cht tin t, kim sot tc tng trng tn dng di 20%, thng t quy nh trn li sut huy ng, cc quyt nh tng cc mc li sut ch cht ca

mt s mc tiu ti chnhBan u t l tng trng d kin kh tham vng, vi mc li nhun trc thu ton Ngn hng t ra l 1.349 t ng, huy ng tng trng 80% v d n tng trng 45%. Tuy nhin do tc ng ca Ngh quyt 11 ca chnh ph, ch th 01/2011 ca Thng c NHNN v mt s cc chnh sch v m khc, theo t l tng trng tn dng c nm khng qu 20%, cho vay phi sn xut khng qu 16% tng d n, hn ch chi tiu cng, kim sot cht ch cung tin v thm ch c th tng t l d tr bt buc..., s c tc ng rt ln n tnh hnh kinh doanh cng nh vic thc hin k hoch ca VPBank. Trn c s cc yu

22



t ny, cc ch tiu k hoch ch yu d kin ca nm 2011 s nh sau:n v tnh: t ng

1 2 3 4 5 6

tng ti sn huy ng vn t khch hng D n tn dng t l n 3-5 Li nhun hp nht S lng im giao dch

80.000 36.500 30.400 < 2% 1.040 200-210

Trong tnh hnh hin nay, vic hon thnh cc ch tiu trn l kh thch thc, i hi s n lc cao ca ton th cn b nhn vin Ngn hng, ng thi ch c th thc hin c nu NHNN khng p dng thm cng c iu tit mnh l tng t l d tr bt buc, v nu p dng bin php ny th thanh khon trn th trng s ht sc cng thng, cc Ngn hng s buc phi hy sinh mc tiu hiu qu, li nhun m bo kh nng chi tr.

mt s nh hng ch oThc hin chin lc chuyn i tng th c HQT ph duyt, trong nm 2011, VPBank thc hin 6 sng kin chin lc: chng trnh thc y Bn hng (SSP) bao gm cc quy trnh, cng c, o to v c ch khuyn khch gip cc chi nhnh t c cc tin b bn vng v nng lc bn hng ca tt c

cc nhn vin bn hng, bao gm cc cn b tn dng v giao dch vin bin mi chi nhnh, phng giao dch tr thnh nhng im bn hng hiu qu. chng trnh c thc hin th im thnh cng chi nhnh Ng Quyn t thng 8/2010, v s c trin khai rng ri trn ton h thng trong nm 2011. Tp trung ha c chn lc mt s quy trnh ch cht: Tin ti tp trung ha cc hot ng h tr vn hnh mt cch ph hp v hiu qu, nhm m bo kim sot tp trung. Tp trung phn tch, nh gi cc quy trnh tn dng v giao dch hin ti, t xc nh cch thc tp trung ha hoc ti u ha cc quy trnh ny nhm gip VPBank p ng kh nng x l mt khi lng cng vic ln gp nhiu ln theo nh mc tiu tng trng trong 3-4 nm ti. Kt hp vi ci tin cng tc qun l ri ro tn dng, ci tin quy trnh s a n nhng cng c qun l ri ro tn dng tin tin m bo VPBank vn c kh nng kim sot tt ri ro tn dng v thi gian ph duyt tn dng nhanh chng cho khch hng. Pht trin mng li v phn phi: Kho st, tm kim v thit k li m hnh chi nhnh v phng giao dch theo tiu chun mi, tin tin, hin i nht nhm p ng tt nht nhu cu ca khch hng. Thnh lp khi qun l knh bn hng cng vi vic hnh thnh cc u mi qun l khu vc. Phn chia hot ng ca cc chi nhnh thnh cc vng, c cc gim c vng v khu vc. ci tin v pht trin sn phm cho cc phn khc khch hng, nhm nng cao v th ca

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VPBank trong cc phn khc khch hng: nghin cu v pht trin nhng sn phm ni tri cho nhng phn khc khch hng c th: cc phn khc khch hng khc nhau v thu nhp, trnh ; c bit ho trong xy dng cc chnh sch khch hng vi cc phn nhm khch hng doanh nghip: SMEs, micro SMEs v khch hng doanh nghip ln. cc sn phm mi ny s c a ra th trng theo cch thc hon ton mi, kt hp vi vic nng cao cht lng dch v, thay i quy trnh bn hng, thay i bi tr ca chi nhnh, nhm nng cao cht lng dch v, phc v khch hng tt hn. Xy dng v hon thin b my qun tr ri ro, c bit l ri ro th trng v ri ro hot ng, bn cnh vic ci thin qun tr ri ro tn dng. Tng cng cht lng phn tch v kim sot ri ro tn dng; Xy dng v hon thin h thng xp hng, phn tch khch hng lm c s cho vic thc hin chnh sch gi; Xy dng b my qun tr ri ro tn dng tp trung, tr gip cho cc cp lnh o trong vic ra quyt nh.

c cu T chc, qun l kt qu cng vic v chin lc nhn s: Xy dng v kin ton b my hot ng, xy dng mt m hnh c cu t chc hin i, phn nh r rng gia cc b phn kinh doanh v b phn h tr, xy dng cc c ch bo co hp l v m bo trch nhim gii trnh v kt qu kinh doanh; Pht hin v bi dng cn b tim nng cho cc cp, xy dng chng trnh o to v pht trin ph hp chun b cho m rng mng li v s pht trin lu di. Thc hin tt c cc sng kin trn s gip VPBank chuyn i hot ng ca Ngn hng mt cch su rng, em li nhng tc ng lu di cho Ngn hng. Tng chi nhnh ca VPBank s c thay i ton din, t sn phm, cht lng dch v, knh bn hng, quy trnh x l, bi tr, v.v. Tt c nhng thay i ny nhm mang li mt tri nghim hon ton mi v khc bit cho khch hng ca VPBank, to dng cho VPBank hnh nh v mt Ngn hng bn l nng ng, hin i, v tn tm vi khch hng.

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Bo co ti chnhBo co Thng Nin 25

BO cO ca BaN iu HNH

Ban iu hnh Ngn hng Thng mi c phn Vit Nam Thnh Vng trnh by bo co ny v cc bo co ti chnh hp nht ca Ngn hng v cc cng ty con cho nm ti chnh kt thc ngy 31 thng 12 nm 2010.

ngn hng Ngn hng Thng mi c phn Vit Nam Thnh Vng (sau y gi tt l Ngn hng) l Ngn hng thng mi c phn c thnh lp ti nc cng ha X hi ch ngha Vit Nam. Ngn hng c thnh lp theo Giy php Hot ng s 0042/NH-GP do Thng c Ngn hng Nh nc Vit Nam cp ngy 12 thng 8 nm 1993 vi tn l Ngn hng Thng mi c phn cc Doanh nghip ngoi Quc doanh. Thi gian hot ng theo giy php l 99 nm v Ngn hng chnh thc i vo hot ng ngy 12 thng 8 nm 1993. Ngy 27 thng 7 nm 2010, Ngn hng i tn thnh Ngn hng Thng mi c phn Vit Nam Thnh Vng theo Giy php s 1815/Q-NHNN do Ngn hng Nh nc Vit Nam cp. Ngn hng c thnh lp nhm thc hin cc giao dch Ngn hng bao gm huy ng v nhn tin gi ngn hn, trung hn v di hn t cc t chc v c nhn; cho vay ngn hn, trung hn v di hn i vi cc t chc v c nhn trn c s tnh cht v kh nng ngun vn ca Ngn hng; thc hin cc giao dch ngoi t, cc dch v ti tr thng mi quc t, chit khu thng phiu, tri phiu v cc giy t c gi khc, v cc dch v Ngn hng khc c NHNN cho php. Vn iu l ban u ca Ngn hng do c ng gp l 20.000 triu ng v c b sung theo tng thi k theo quyt nh ca i hi ng c ng. S vn iu l ca Ngn hng ti ngy 31 thng 12 nm 2010 l 4.000.000 triu ng (ti ngy 31 thng 12 nm 2009: 2.117.474 triu ng). Ngn hng c tr s chnh t ti s 8 L Thi T, Qun Hon Kim, Thnh ph H Ni, Vit Nam. Ti ngy 31 thng 12 nm 2010, Ngn hng c mt (1) Hi s chnh, mt (1) S Giao dch, hai (2) cng ty con, ba mi by (37) chi nhnh v mt trm hai mi su (126) phng giao dch ti cc tnh v thnh ph trn c nc.

Kt Qu hot ng Kinh DoAnh hP nht V c tc Tm tt v kt qu kinh doanh hp nht v chi tr c tc ca Ngn hng v cc cng ty con nh sau: nm 2010 triu ngLi nhun thun trong nm c tc t cui ca nm trc tr trong nm hin hnh Li nhun cha phn phi vo cui nm 503.325 499.271

nm 2009 triu ng293.565 84.699 129.465

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BO cO ca BaN iu HNH

Hi ng Qun tr cc thnh vin Hi ng Qun tr trong nm ti chnh kt thc ngy 31 thng 12 nm 2010 v cho ti thi im lp bo co ny gm: h v tnng Ng ch Dng ng Phm H Trung ng Bi Hi Qun ng L Bng Giang

chc vch tch ch tch Ph ch tch Ph ch tch y vin

ngy b nhim/ti b nhim/min nhim

B Nguyn Th Nguyt Hng Ph ch tch ng Trn Trng Kin ng Soon Tit Koon ng Nguyn Quang a ng Ng H Bc y vin y vin y vin y vin

B nhim ngy 16 thng 3 nm 2010 B nhim ngy 31 thng 3 nm 2006, min nhim ngy 16 thng 3 nm 2010 B nhim ngy 10 thng 12 nm 2008, ti b nhim ngy 16 thng 3 nm 2010 B nhim ngy 14 thng 7 nm 2010 B nhim ngy 16 thng 3 nm 2010 B nhim ngy 16 thng 3 nm 2010, ng nhin mt t cch ngy 21 thng 10 nm 2010 B nhim ngy 16 thng 3 nm 2010 B nhim ngy 18 thng 8 nm 2009, ti b nhim ngy 16 thng 3 nm 2010, ng nhin mt t cch ngy 7 thng 1 nm 2011 B nhim ngy 31 thng 3 nm 2006, min nhim ngy 16 thng 3 nm 2010 B nhim ngy 2 thng 5 nm 2008, min nhim ngy 16 thng 3 nm 2010

Ban Kim sot cc thnh vin Ban Kim sot trong nm ti chnh kt thc ngy 31 thng 12 nm 2010 v cho ti thi im lp bo co ny gm: h v tnB Nguyn Qunh anh ng V Hi Bng B Trnh Th Thanh Hng B Phan Th Thu H ng Trn c H

chc v

Trng ban Trng ban Thnh vin Thnh vin Thnh vin Thnh vin

ngy b nhim/min nhim

B nhim ngy 16 thng 3 nm 2010 Min nhim ngy 16 thng 3 nm 2010, b nhim ngy 16 thng 3 nm 2010 B nhim ngy 16 thng 3 nm 2010 B nhim ngy 31 thng 3 nm 2006, min nhim ngy 16 thng 3 nm 2010 B nhim ngy 31 thng 3 nm 2006, min nhim ngy 16 thng 3 nm 2010

Ban iu hnh v K ton Trng cc thnh vin Ban iu hnh v K ton Trng trong nm ti chnh kt thc ngy 31 thng 12 nm 2010 v cho ti thi im lp bo co ny gm: h v tnng Nguyn Hng ng V Minh Qunh ng Nguyn Thanh Bnh B Dng Th Thy B Dng Th Thu Thy B Nguyn Th Bch Thy ng Phan Ngc Ha ng Low Boon Keng Howard ng Marek Hovorka ng Nguyn Ton Thng Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c K ton Trng

chc v

B nhim ngy 29 thng 7 nm 2009 B nhim ngy 22 thng 5 nm 2007 B nhim ngy 21 thng 2 nm 2002 B nhim ngy 18 thng 2 nm 2008 B nhim ngy 9 thng 4 nm 2009 B nhim ngy 10 thng 6 nm 2010 B nhim ngy 25 thng 1 nm 2010 B nhim ngy 2 thng 3 nm 2009 B nhim ngy 5 thng 10 nm 2010 B nhim ngy 23 thng 3 nm 2009

ngy b nhim/min nhim

Bo co Thng Nin

27

BO cO ca BaN iu HNH

cc S Kin SAu ngy LP Bng cn i K ton hP nht Khng c s kin quan trng no xy ra k t ngy kt thc k k ton nm yu cu phi c cc iu chnh hoc thuyt minh trong cc bo co ti chnh hp nht. Kim ton Vin cng ty TNHH Ernst & young Vit Nam by t nguyn vng tip tc c lm cng tc kim ton cho Ngn hng. cng B tRch nhim cA BAn iu hnh i Vi cc Bo co ti chnh hP nht Ban iu hnh Ngn hng chu trch nhim m bo cc bo co ti chnh hp nht phn nh trung thc v hp l tnh hnh hot ng, kt qu hot ng kinh doanh v tnh hnh lu chuyn tin t ca Ngn hng cho nm ti chnh kt thc ngy 31 thng 12 nm 2010. Trong qu trnh lp cc bo co ti chnh hp nht ny, Ban iu hnh: la chn cc chnh sch k ton thch hp v p dng cc chnh sch ny mt cch nht qun; thc hin cc nh gi v c tnh mt cch hp l v thn trng; nu r cc chun mc k ton p dng cho Ngn hng c c tun th hay khng v tt c nhng sai lch trng yu so vi nhng chun mc ny c trnh by v gii thch trong cc bo co ti chnh hp nht; v lp cc bo co ti chnh hp nht trn c s nguyn tc hot ng lin tc tr trng hp khng th cho rng Ngn hng s tip tc hot ng. Ban iu hnh chu trch nhim m bo vic cc s sch k ton thch hp c lu gi phn nh tnh hnh ti chnh hp nht ca Ngn hng, vi mc chnh xc hp l, ti bt k thi im no v m bo rng cc s sch k ton tun th vi h thng k ton c ng k. Ban iu hnh cng chu trch nhim v vic qun l cc ti sn ca Ngn hng v do phi thc hin cc bin php thch hp ngn chn v pht hin cc hnh vi gian ln v nhng vi phm khc. Ban iu hnh cam kt vi Hi ng qun tr rng Ngn hng tun th nhng yu cu nu trn trong vic lp cc bo co ti chnh hp nht. Thay mt Ban iu hnh:

ng Nguyn Hng Tng Gim c

H Ni, Vit Nam Ngy 20 thng 2 nm 2011

28


BO cO ca BaN iu HNH

S tham chiu: 60755038/14469373 Bo co Kim ton c LP Knh gi: hi ng Qun tr ngn hng thng mi c phn Vit nam thnh Vng (trc y c tn l ngn hng tmcP cc Doanh nghip ngoi Quc doanh Vit nam)

chng ti kim ton bng cn i k ton hp nht ca Ngn hng Thng mi c phn Vit Nam Thnh Vng (Ngn hng) v cc cng ty con ti ngy 31 thng 12 nm 2010, bo co kt qu hot ng kinh doanh hp nht, bo co li nhun cha phn phi hp nht, bo co lu chuyn tin t hp nht cho nm ti chnh kt thc cng ngy (sau y c gi chung l cc bo co ti chnh hp nht) nh c trnh by t trang 30 n trang 36. Vic lp cc bo co ti chnh hp nht ny thuc trch nhim ca Ban iu hnh ca Ngn hng. Trch nhim ca chng ti l a ra kin v cc bo co ti chnh hp nht ny da trn kt qu kim ton ca chng ti. C s kin Kim ton chng ti tin hnh kim ton theo cc quy nh ca chun mc Kim ton Vit Nam v Quc t c p dng ti Vit Nam. cc chun mc ny yu cu chng ti phi lp k hoch v thc hin vic kim ton t c mc tin cy hp l v vic cc bo co ti chnh hp nht khng c cc sai st trng yu. Vic kim ton bao gm vic kim tra theo phng php chn mu, cc bng chng v s liu v cc thuyt minh trn cc bo co ti chnh hp nht. Vic kim ton cng bao gm vic nh gi cc nguyn tc k ton c p dng v cc c tnh quan trng ca Ban iu hnh cng nh nh gi vic trnh by tng th cc bo co ti chnh hp nht. chng ti tin tng rng cng vic kim ton ca chng ti cung cp c s hp l cho kin kim ton. kin Kim ton Theo kin ca chng ti, cc bo co ti chnh hp nht km theo ca Ngn hng v cc cng ty con, xt trn cc kha cnh trng yu, phn nh trung thc v hp l tnh hnh ti chnh hp nht ca Ngn hng v cc cng ty con vo ngy 31 thng 12 nm 2010 v kt qu hot ng kinh doanh hp nht v tnh hnh lu chuyn tin t hp nht cho nm ti chnh kt thc cng ngy theo cc chun mc K ton v H thng K ton cc T chc Tn dng Vit Nam v tun th theo cc quy nh ca Ngn hng Nh nc Vit Nam.

cng ty TNHH Ernst & young Vit Nam

V Tn Hong Vn Ph Tng Gim c Kim ton vin cng chng S ng k: 0264/KTV

Nguyn ch cng Kim ton vin ph trch Kim ton vin cng chng S ng k: 1103/KTV


Bo co Thng Nin

29

BNG cN i K TON HP NHTti ngy 31 thng 12 nm 2010

31/12/2010 triu ngti Sn tin mt, vng bc, qu tin gi ti ngn hng nh nc Vit nam (nhnn) tin, vng gi ti v cho vay cc tctD khc Tin, vng gi ti cc TcTD khc cho vay cc TcTD khc D phng ri ro cho vay cc TcTD khc chng khon kinh doanh chng khon kinh doanh D phng gim gi chng khon kinh doanh cc cng c ti chnh phi sinh v cc ti sn ti chnh khc cho vay khch hng cho vay khch hng D phng ri ro cho vay khch hng chng khon u t chng khon u t sn sng bn chng khon u t gi n ngy o hn D phng gim gi chng khon u t gp vn, u t di hn Vn gp lin doanh u t vo cng ty lin kt u t di hn khc D phng gim gi u t di hn ti sn c nh Ti sn c nh hu hnh Nguyn gi ti sn c nh Hao mn ti sn c nh Ti sn c nh thu ti chnh Nguyn gi ti sn c nh Hao mn ti sn c nh Ti sn c nh v hnh Nguyn gi ti sn c nh Hao mn ti sn c nh Bt ng sn u t Nguyn gi bt ng sn u t Hao mn bt ng sn u t ti sn c khc cc khon phi thu cc khon li, ph phi thu Ti sn thu TNDN hon li Ti sn c khc Trong : Li th thng mi D phng ri ro cho cc ti sn c ni bng khc tng ti Sn 329.920 560.224 11.625.637 11.625.637 2.127.700 2.153.749 (26.049) 156 25.094.534 25.323.735 (229.201) 11.421.870 11.428.766 (6.896) 147.738 148.580 (842) 349.889 199.061 373.629 (174.568) 150.828 186.087 (35.259) 8.149.355 7.080.428 781.446 299.073 (11.592) 59.807.023

31/12/2009 triu ng355.430 758.497 7.383.093 7.383.093 57.125 73.406 (16.281) 15.682.819 15.813.269 (130.450) 2.291.943 2.308.844 (16.901) 45.778 45.778 326.237 223.528 348.063 (124.535) 102.709 126.585 (23.876) 642.084 157.110 296.826 198.072 (9.924) 27.543.006

30



31/12/2010 triu ngn Phi tR cc khon n chnh ph v nhnn tin gi v vay cc tctD khc Tin gi khng k hn ca cc TcTD khc Tin gi c k hn v vay cc TcTD khc tin gi ca khch hng cc cng c ti chnh phi sinh v cc cng n ti chnh khc Vn ti tr, y thc u t, cho vay tctD chu ri ro Pht hnh giy t c gi cc khon n khc cc khon li, ph phi tr Thu TNDN hon li phi tr cc khon phi tr v cng n khc D phng cho cc cam kt ngoi bng tng n Phi tR Vn ch S hu Vn v cc qu Vn ca TCTD Vn iu l Vn u t XDcB Thng d vn c phn c phiu qu c phiu u i Vn khc Qu ca TCTD Li nhun cha phn phi tng Vn ch S hu tng n Phi tR V Vn ch S hu 4.617.389 4.000.000 617.389 88.071 499.271 5.204.731 59.807.023 1.216.381 13.781.961 4.102.461 9.679.500 23.969.645 119.794 9.631.647 5.882.864 636.014 5.240.616 6.234 54.602.292

31/12/2009 triu ng315.848 7.476.782 19.114 7.457.668 16.489.544 8.068 161.799 542.980 260.033 279.291 3.656 24.995.021

2.290.546 2.117.474 173.072 127.974 129.465 2.547.985 27.543.006

Bo co Thng Nin

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cc ch tiu ngoi Bng cn i K ton hP nht 31/12/2010 triu ngngha v n tim n Bo lnh vay vn cam kt trong nghip v Lc Bo lnh khc cc cam kt a ra cam kt ti tr cho khch hng cam kt cho vay cha gii ngn c iu kin 793.514 1.158 292.452 499.904 2.874.031 2.874.031 3.667.545

31/12/2009 triu ng927.693 1.244 158.483 767.966 935.933 935.933 1.863.626

ng Nguyn Ton Thng K ton Trng



32


BO cO KT Qu HOT NG KiNH DOaNH HP NHT cho nm ti chnh kt thc ngy 31 thng 12 nm 2010

2010 triu ngThu nhp li v cc khon thu nhp tng t chi ph li v cc chi ph tng t thu nhp li thun Thu nhp t hot ng dch v chi ph hot ng dch v Li/(l) thun t hot ng dch v Li/(l) thun t hot ng kinh doanh ngoi hi Li/(l) thun t mua bn chng khon kinh doanh Li/(l) thun t mua bn chng khon u t Thu nhp t hot ng khc chi ph hot ng khc Li/(l) thun t hot ng khc thu nhp t gp vn, mua c phn TNG THu NHP HOT NG chi ph cho nhn vin chi ph khu hao v khu tr chi ph hot ng khc TNG cHi PH HOT NG Li nhun thun t hot ng kinh doanh trc chi ph d phng ri ro tn dng chi ph d phng ri ro tn dng Hon nhp d phng ri ro tn dng chi ph d phng cho cc cam kt ngoi bng tng Li nhun tRc thu chi ph thu TNDN hin hnh chi ph thu TNDN hon li chi ph thu tnDn Li nhun SAu thu Li trn mi c phiu (ng/c phiu) 3.814.024 (2.736.987) 1.077.037 334.111 (122.701) 211.410 (9.364) (59.303) 5.112 103.148 (32.090) 71.058 12.696 1.308.646 (239.505) (63.157) (241.641) (544.303) 764.343 (119.303) 20.682 (2.578) 663.144 (159.819) (159.819) 503.325 2.045

2009 triu ng2.163.995 (1.390.784) 773.211 200.772 (63.852) 136.920 19.211 (9.251) (27.131) 22.120 (2.310) 19.810 7.966 920.736 (207.993) (63.314) (206.550) (477.857) 442.879 (75.180) 18.589 (3.656) 382.632 (89.067) (89.067) 293.565 1.195

ng Nguyn Ton Thng K ton Trng H Ni, Vit Nam Ngy 20 thng 2 nm 2011


Bo co Thng Nin

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BO cO Li NHuN cHa PHN PHi HP NHTcho nm ti chnh kt thc ngy 31 thng 12 nm 2010

2010 triu ngLi NHuN cHa PHN PHi/(L Ly K) u NM Li nhun thun trong nm Li NHuN TRc KHi PHN PHi Tr: Trch b sung cc qu cho nm trc Tm trch lp cc qu d tr cho nm hin hnh Tr c tc ca nm trc Tng vn t li nhun cha phn phi cc khon khc (3.744) (2.728) (127.048) 1 499.271 129.465 503.325 632.790

2009 triu ng(29.619) 293.565 263.946 (11.876) (37.890) (84.699) (16) 129.465

Li nhun chA Phn Phi cui nm



34


BO cO Lu cHuyN TiN T HP NHTcho nm ti chnh kt thc ngy 31 thng 12 nm 2010

2010 triu ngLu chuyn tin t hot ng Kinh DoAnh Thu nhp li v cc khon thu nhp tng t nhn c chi ph li v cc chi ph tng t tr Thu nhp t hot ng dch v nhn c Li/(l) thun t hot ng kinh doanh ngoi hi v vng Li/(l) thun t chng khon kinh doanh v chng khon u t Thu nhp khc Tin chi tr cho nhn vin v hot ng qun l, cng v Tin thu thu nhp thc np trong nm Lu chuyn tin thun t hot ng kinh doanh trc nhng thay i v ti sn v vn lu ng Nhng thay i v ti sn hot ng (Tng)/Gim cc khon tin, vng gi v cho vay cc TcTD khc (Tng)/Gim cc khon v kinh doanh chng khon (Tng)/Gim cc cng c ti chnh phi sinh v cc ti sn ti chnh khc (Tng)/Gim cc khon cho vay khch hng Gim ngun d phng b p tn tht cc khon (tn dng, chng khon, u t di hn) (Tng)/Gim khc v ti sn hot ng Nhng thay i v cng n hot ng Tng/(Gim) cc khon n chnh ph v NHNN Tng/(Gim) cc khon tin gi, tin vay cc TcTD Tng/(Gim) tin gi ca khch hng (bao gm c KBNN) Tng/ (Gim) pht hnh giy t c gi (ngoi tr giy t c gi pht hnh c tnh vo hot ng ti chnh) Tng/(Gim) vn ti tr, y thc u t, cho vay m TcTD chu ri ro Tng/(Gim) cc cng c ti chnh phi sinh v cc khon n ti chnh khc Tng/(Gim) khc v cng n hot ng chi t cc qu ca TcTD Lu chuyn tin thun t hot ng kinh doanh Lu chuyn tin t hot ng u t Mua sm ti sn c nh Tin thu t thanh l, nhng bn TSc Tin chi t thanh l, nhng bn TSc Mua sm bt ng sn u t Tin thu t bn, thanh l bt ng sn u t Tin chi ra do bn, thanh l bt ng sn u t Tin chi u t, gp vn vo cc n v khc Tin thu u t, gp vn vo cc n v khc Tin thu c tc v li nhun c chia t cc khon u t, gp vn di hn Lu chuyn tin thun t hot ng u t (88.035) 310 (79) (101.960) 12.696 (177.068) 900.533 6.305.179 7.480.101 9.631.647 (42.005) (8.068) 4.558.713 (38.935) (1.026.293) (2.895.279) (11.200.502) (156) (9.510.466) (2.448) (7.020.879) 3.329.404 (2.361.006) 211.410 (9.364) (54.191) 70.281 (257.661) (112.601) 816.272

2009 triu ng2.071.598 (1.479.159) 136.920 19.211 (36.382) 19.343 (198.018) (100.805) 432.708 (1.814.017) (498.183) 2.129 (2.827.341) (11.582) 31.581 315.848 6.198.717 2.259.442 61.040 8.068 (259.541) (13.475) 3.885.394 (20.159) 2.309 (32) 107.699 7.966 97.783

Bo co Thng Nin

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BO cO Lu cHuyN TiN T HP NHTcho nm ti chnh kt thc ngy 31 thng 12 nm 2010

2010 triu ngLu chuyn tin t hot ng ti chnh Tng vn ca TcTD Tin thu t pht hnh giy t c gi di hn c iu kin tnh vo vn t c v cc khon vn vay di hn khc Tin chi thanh ton giy t c gi di hn c iu kin tnh vo vn t c v cc khon vn vay di hn khc c tc tr cho c ng, li nhun chia Tin chi ra mua c phiu ngn qu Tin thu c do bn c phiu ngn qu Lu chuyn tin thun t hot ng ti chnh Lu chuyn tin thun trong nm tin v cc khon tng ng tin ti thi im u nm iu chnh nh hng ca thay i t gi tin v cc khon tng ng tin ti thi im cui nm 2.326.843 2.326.843 1.123.482 6.567.800 7.691.282

2009 triu ng(84.699) (84.699) 3.898.478 2.669.322 6.567.800



36


cc cng ty c Lin QuAnBo co Thng Nin 37

cc cNG Ty c LiN QuaN

cng ty nm gi trn 50% vn c phn/vn gp ca Ngn hng: Hin ti khng c cng ty no nm gi trn 50% vn c phn ca VPBank. cng ty c trn 50% vn c phn/vn gp do ngn hng nm gi: % Vn do VPBank u t100%

cng ty concng ty TNHH chng khon Ngn hng Vit Nam Thnh Vng

Lnh vc kinh doanhchng khon

Trong nm cng ty trin khai cc hp ng ln nh t vn M&a nh my thp m km, m mu gia Lilama H Ni v Tng cng ty thp Vit Nam c gi tr giao dch hn 30 triu uSD, t vn pht hnh thnh cng tri phiu cho cng ty cP Sng Thng Long, Eurowindowqua cc hp ng ln ny VPBS khng nh c v th v thng hiu ca mnh trn th trng. Trong nm, cng ty cng trin khai c cu li cc n v theo s khi v tuyn dng thm nhn s cho cc v tr ch cht. Kt qu kinh doanh nm 2010 cng ty t li nhun trc thu 28,1 t ng, tng ti sn 3.626 t, tng doanh thu hot ng kinh doanh t 180,8 t ng.

cng ty TNHH Qun l Ti sn Qun l n v Ngn hng Vit Nam khai thc ti sn Thnh Vng

100%

cng ty tnhh Qun l ti sn ngn hng Vit nam thnh Vng (VPBankAmc)Trong nm 2010 cng ty Qun l ti sn VPBank aMc tip tc trin khai cc d n bt ng sn hin ti (Fideco, Bnh Tn-Sakico, 362 Ph Hu, D n Ha Bnh m sen, V Vn Tn), phi hp vi cc chi nhnh VPBank trin khai cc vn phng tr s, thm tra h s thit k, h s thanh quyt ton XDcB ti cc chi nhnh, tip tc thu ph qun l ti sn m bo h cc chi nhnh. Hot ng ny cng mang li ngun thu ng k cho VPBank. Tuy nhin, t qu ii, khi NHNN cho php thc hin li sut tha thun th ngun thu t ph gim ng k. Kt qu hot ng ca aMc nm 2010 t: 151 t ng li nhun trc thu.

cng ty tnhh chng khon ngn hng Vit nam thnh Vng (VPBS)Trong nm 2010, nh s thay i tch cc v qun tr iu hnh, nhn s v c ch hot ng, VPBS t c nhiu thnh qu ng khch l, th phn c mc ci thin ng k v ln u tin VPBS lt vo top 10 cc cng ty chng khon c th phn mi gii ln trn S giao dch chng khon Tp H ch Minh trong qu iV/2010. Hot ng t vn ca cng ty pht trin mnh mng thu xp vn cho cc doanh nghip uy tn v t vn mua bn sp nhp (M&a).

38


cc cng Ty c Lin Quan

t chc nhn SBo co Thng Nin 39

T cHc NHN SS t chci hi ng c ng hi ng Qun tR hi ng tn Dng hi ng Qun L ti Sn n - c Vn Phng hQt hi ng u t y BAn nhn S y BAn Qun tR Ri Ro BAn tng gim c BAn Kim Sot Kim ton ni B

Khi Qun tR ngun nhn LcP. o to & Pht trin nnL P. tuyn dng P. Quan h lao ng v d liu nnL P. tin lng v phc li

Khi Khch hng c nhnP. Pht trin Kh c nhn Dch v ti chnh c nhn trung tm chuyn tin wu

Khi Khch hng DoAnh nghiPP. Pht trin Kh doanh nghip

Khi gim St

P. Qun tr ri ro P. Php ch P. Qun l tn dng P. ti thm nh Ban h thng thng tin qun tr

S giAo Dch V chi nhnh

40


T cHc NHN S

Khi h tR

tRung tm tin hc

tRung tm chin LcP. D n chuyn i (Pmo) P. Phng nghin cu chin lc v cc d n c bit

Khi ngun Vn V u tP. Kinh doanh ngoi hi v phi sinh P. th trng tin t & thanh khon P. Bn sn phm tcKt v quan h nh ch P. Qun l kinh doanh P. u t ti chnh

Khi tn Dng tiu DngP. Kinh doanh P. Pht trin kinh doanh P. Qun tr ri ro P. ti chnh k ton P. cng ngh thng tin P. h tr P. Vn hnh

P. ti chnh k ton trung tm thanh ton trung tm th K hoch tng hp Vn phng P. marketing P. nghip v kho qu

P. Vn hnh dch v P. Qun tr dch v P. Qun tr mng & Bo mt P. Qun tr h thng & Lu tr P. Pht trin ng dng

Pht trin mng li & qun l cht lng dch v Dch v khch hng P. Qun l u t v mua sm ti sn P. thm nh ti sn

Bo co Thng Nin

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T cHc NHN S

tm tt l lch c nhn trong Ban iu hnh

ng nguyn hng tng gim c thc s Qun tr kinh doanht 1993 - 1994: Trng phng K ton giao dch v Ngn qu t 1994 - 1996: Trng phng K ton ti chnh, m nhim vai tr K ton trng t 1996 - 1999: Ph Tng gim c (trong t thng 4-6/1997 l Quyn Tng gim c) 04/2009 n nay: Tng Gim c

ng nguyn thanh Bnh Ph tng gim c c nhn ti chnh ngn hng8/1994 - 2/1996: cn b phng Tn dng Hi s t thng 3/1996 - 11/1996: Ph phng Tn dng Hi s 12/1996 - 7/1999: Trng phng Tn dng Hi s 8/1999 - 6/2000: Hc vin chng trnh Fulbright Vit Nam - o to sau i hc v kinh t cng 7/2000 - 9/2000: T trng qun l vn 10/2000 - 4/2001: Ph trch phng Nghin cu & Pht trin 5/2001 - 02/2002: Trng phng Tng hp & Qun l chi nhnh 02/2002 n nay: Ph Tng Gim c

ng V minh Qunh Ph tng gim c thc s Kinh t5/1994 - 6/1997: cn b giao dch 6/1997 - 6/1999: Ph phng giao dch ct Linh 6/1999 - 5/2001: chuyn vin phng Kim tra kim ton ni b 5/2001 - 5/2007: K ton trng 5/2007 n nay: Ph Tng Gim c

42


T cHc NHN S

B Dng th thy Ph tng gim c thc s Qun tr kinh doanh, c nhn khoa hc ngnh in t tin hc, c nhn cng ngh in t Vin thng2/1996 - 2/2001: cn b phng K ton Tin hc VPBank Hi s 2/2001 - 8/2002: Quyn Gim c Trung tm tin hc 8/2002 - 2/2008: Gim c Trung tm tin hc 2/2008 n nay: Ph Tng Gim c kim Gim c Trung tm Tin hc.

B Dng th thu thy Ph tng gim c c nhn ti chnh ngn hng5/2002 - 11/2004: Trng phng Phc v Khch hng Doanh nghip VPBank Hi s 12/2004 - 4/2009: Gim c VPBank H Ni 4/2009 - 12/2010: Ph Tng Gim c kim Gim c VPBank H Ni 12/2010 - nay: Ph Tng Gim c kim Gim c S Giao dch VPBank

ng Phan ngc ha Ph tng gim c c nhn ti chnh ngn hng1994 - 9/1999: cn b Phng TD & T VPBank H ch Minh 10/1999 - 4/2001: Ph Phng TD& T VPBank H ch Minh 5/2001 - 2/2002: Quyn Trng phng Phc v Khch hng c nhn VPBank H ch Minh. 3/2002 - 4/2004: Trng phng Phc v Khch hng c nhn VPBank H ch Minh 5/2004 - 12/2004: Ph Gim c VPBank H ch Minh 1/2005 - 7/2006: Ph Gim c VPBank Si Gn 8/2006 - 1/2010: Gim c VPBank Si Gn 2/2010 n nay: Ph Tng Gim c ph trch khu vc pha Nam

B nguyn th Bch thy Ph tng gim c thc s ti chnh ngn hng6/2010 n nay: Ph Tng Gim c.

Bo co Thng Nin

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T cHc NHN S

tm tt l lch c nhn trong Ban iu hnhDanh sch Ban tng gim c VPBankStt1 2 3 4 5 6 7 8 9

h tnNguyn Hng Nguyn Thanh Bnh V Minh Qunh Dng Th Thu Thy Phan Ngc Ha Dng Th Thy Nguyn Th Bch Thy ng Low Boon Keng Howard ng Marek Hovorka

chc vTng Gim c Ph Tng gim c Ph Tng gim c Ph Tng gim c Ph Tng gim c Ph Tng gim c Ph Tng gim c Ph Tng Gim c Ph Tng Gim c

thay i thnh vin Ban iu hnh trong nmh v tnng Nguyn nh Long ng Phan Ngc Ha B Nguyn Th Bch Thy ng Marek Hovorka ng Low Boon Keng Howard

chc vPh Tng Gim c kim Gim c Trung tm HTNV khu vc TP. H ch Minh Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c Ph Tng Gim c

ni dung thay iMin nhim ngy 01/02/2010 B nhim ngy 01/02/2010 B nhim ngy 10/06/2010 B nhim ngy 05/10/2010 Min nhim ngy 01/03/2011

Quyn li ca Ban tng gim c: tin lng, thng v cc quyn liVPBank chi tr mt mc lng hp l v cnh tranh cho Ban iu hnh v cc cn b qun l cao cp theo nng lc, thnh tch cng vic v m bo cc quyn li khc nh: bo him sc khe v tai nn (VPBank care), bo him nhn th, c cp xe cng v

44


T cHc NHN S

S lng cn b, nhn vin v chnh sch i vi ngi lao ngS lng cn b, nhn vintnh n 31/12/2010, tng s cn b nhn vin ca VPBank l 2.700 ngi, trong : theo cp qun lcn b qun l Nhn vin Tng s

Ngoi ra, vi s h tr ca c ng nc ngoi, VPBank c ch c cn b tham gia cc kha o to v thc tp ti nc ngoi. V tuyn dng VPBank lun ch trng v u t cho cng tc tuyn dng nhm thu ht v tuyn chn nhng ng vin xut sc, ph hp nht vi tng v tr. Trong nm 2010, VPBank tuyn dng hn 700 cBNV, cc cBNV c tuyn dng u c trnh , nng lc, c kin thc chuyn su nghip v, trong cn b qun l chim khong 7,7 % - y l ngun nhn lc cht lng cao, mang li ngun sinh kh mi cho Ngn hng. V tin lng Ngn hng tr lng trn c s cng bng, hp l, ph hp vi nng lc, hiu sut, trch nhim ca mi ngi, m bo mc lng cnh tranh trn th trng. Ngoi mc lng c bn, cBNV cn c hng cc loi ph cp nh ph cp thm nin, ph cp c hi, ph cp in thoi Phc li Tt c nhn vin chnh thc ca VPBank u c hng cc ch bo him x hi, bo him y t v bo him tht nghip ph hp vi Lut Lao ng. Bn cnh , hin ti VPBank mua bo him sc khe v tai nn (VPBank care) cho cBNV Ngn hng theo cc cp khc nhau. Ngoi vic thc hin chnh sch phc li ca Nh nc, vo nhng dp l (Tt Nguyn n, 30/4, 2/9) v ngy k nim thnh lp Ngn hng, VPBank thng nh k cho cn b nhn vin; h tr chi ph ba n hng ngy; trang b ng phc cho cc b phn trc tip tip xc vi khch hng... Bn cnh , Ngn hng cng thng xuyn quan tm chm lo i sng vt cht tinh thn cho cBNV nh tng qu cho cBNV nhn ngy sinh nht, t chc i du xun u nm v ngh mt vo dp h, t chc cc gii bng mini, tenis, cu lng, bng bn giao lu gia cc n v nhm to tinh thn on kt, giao lu v hc hi; t chc ngy Quc t thiu nhi v Trung thu cho cc chu nh l con em cBNV... cng on cng rt ch trng n cng tc x hi, cc hot ng hng v cng ng nh ng h ng bo l lt, tng qu cho tr em ngho, tr em khuyt tt, phng dng sut i mt B m Vit Nam anh hng, mt Thng binh nng v mt nn nhn cht c mu da cam

S lng480 2.220 2.700

theo trnh hc vnSau i hc i hc cao ng, Trung cp Ph thng Tng s

S lng30 2171 314 185 2.700

chnh sch ch i vi ngi lao ngTrong qu trnh xy dng v pht trin, mi thnh cng ca VPBank u gn vi cng sc, lng tn tm, s cng hin ca nhng th h cn b nhn vin. Nhn thc c tm quan trng v yu t quyt nh ca ngun nhn lc trong mi bc tin, VPBank v ang hon thin cc chnh sch nhn s, chnh sch i ng vi cn b nhn vin, gi v thu ht nhng ngi c ti c. V o to Ngay t khi mi thnh lp, VPBank lun ch trng n cng tc o to. Mc tiu ca VPBank l trin khai cc kho o to v nng cao nghip v cho cBNV theo hng chuyn su, xy dng v pht trin i ng nhn vin thnh tho v nghip v, chuyn nghip trong phong cch lm vic, nhit tnh phc v khch hng v chun mc trong o c kinh doanh, gp phn khng nh thng hiu VPBank. Trong nm 2010, VPBank t chc 119 kha hc (46 kha do ni b o to, 73 kha do i tc bn ngoi o to) cho 3.122 lt hc vin. Ni dung cc kha hc chuyn su v cc k nng nghip v, c t chc cho hu ht cc i tng, tp trung ti cc a bn trng im.

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T cHc NHN S

thay i thnh vin hQt, Ban tng gim c, Ban Kim sot v K ton trngtrong nm 2010 v tnh n thi im hin ti, VPBank c s thay i nh sau:thay i trong hi ng qun tr: h v tnng Phm H Trung ng Ng ch Dng ng L Bng Giang ng L Bng Giang ng Trn Trng Kin ng Nguyn Quang a ng Ng H Bc B Nguyn Th Nguyt Hng ng Soon Tit Koon

chc vch tch ch tch y vin Ph ch tch y vin y vin y vin Ph ch tch y vin

ni dung thay iMin nhim ngy 16/03/2010 B nhim ngy 16/03/2010 B nhim ngy 16/03/2010 B nhim ngy 14/07/2010 B nhim ngy 16/03/2010 Min nhim ngy 16/03/2010 Min nhim ngy 16/03/2010 B nhim ngy 16/03/2010 ng nhin mt t cch ngy 21/10/2010 Mt t cch ngy 07/01/2011

thay i trong Ban Kim sot:B Nguyn Qunh anh ng V Hi Bng ng V Hi Bng B Trnh Th Thanh Hng B Phan Th Thu H ng Trn c H Trng ban Trng ban Thnh vin Thnh vin Thnh vin Thnh vin B nhim vo ngy 16/03/2010 Min nhim vo ngy 16/03/2010 B nhim vo ngy 16/03/2010 B nhim vo ngy 16/03/2010 Min nhim ngy 16/03/2010 Min nhim ngy 16/03/2010

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thng tin c ng/ thnh Vin gP Vn V Qun tR ngn hngBo co Thng Nin 47

THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNGhi ng qun tr/ch tch v Ban kim sot/ Kim sot vin

ng ng ch Dng ch tch hQt tin s Kinh tQu trnh cng tc ti VPBank: 3/2010 - nay: ch tch HQT VPBank

ng Bi hi Qun Ph ch tch hQt c nhn kinh tQu trnh cng tc ti VPBank: 4/2006 - 12/2008: Thnh vin HQT VPBank 12/2008 - nay: Ph ch tch HQT VPBank

ng L Bng giang Ph ch tch hQt thc s Kinh tQu trnh cng tc ti VPBank: 3/2010 - 7/2010: Thnh vin HQT c lp VPBank 7/2010 - nay: Ph ch tch HQT VPBank

ng trn trng Kin thnh Vin hQt c LP thc s Qun tr kinh doanh, c nhn y khoaQu trnh cng tc ti VPBank: 3/2010 - nay: Thnh vin HQT c lp VPBank

ng Soon tit Koon thnh Vin hQt thc s Qun tr kinh doanhQu trnh cng tc ti VPBank: 4/2009 - 1/2011: Thnh vin HQT VPBank (i din c ng OcBc)

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNG

B nguyn Qunh Anh tRng BAn Kim Sot tin s Khoa hc gio dc, thc s Qun tr kinh doanhQu trnh cng tc ti VPBank: 3/2010 - nay: Trng Ban Kim sot VPBank

B trnh th thanh hng thnh Vin chuyn tRch BAn Kim Sot c nhn Khoa hc, c nhn Kinh tQu trnh cng tc ti VPBank: 3/2010 - nay: Thnh vin chuyn trch Ban Kim sot VPBank

ng V hi Bng thnh Vin BAn Kim Sot c nhn LutQu trnh cng tc ti VPBank: 1998 - 2002: Thnh vin HQT VPBank 2002 - 3/2010: Trng Ban Kim sot VPBank 3/2010 - 4/2011: Thnh vin Ban kim sot VPBank.

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNGhi ng qun tr/ch tch v Ban kim sot/ Kim sot vinthnh vin v c cu ca hQt, Ban kim sotc cu hQt ti thi im 31/12/2010 Stt1 2 3 4 5

h v tnng Ng ch Dng ng Bi Hi Qun ng L Bng Giang ng Trn Trng Kin ng Soon Tit Koon

chc vch tch HQT Ph ch tch HQT Ph ch tch HQT Thnh vin c lp ca HQT Thnh vin HQT

hot ng ca hQtHi ng Qun tr l c quan qun tr c ton quyn nhn danh Ngn hng thc hin cc quyn, ngha v ca Ngn hng. Trong nm qua Hi ng Qun tr c nhng hot ng tch cc thc hin quyn qun tr Ngn hng ca mnh: T chc thnh cng i hi ng c ng nhim k 2010-2015 v bu ra Hi ng Qun tr, Ban kim sot mi cho nhim k. T chc cc cuc hp thng k ca HQT a ra cc ngh quyt quan trng i vi hot ng ca Ngn hng. Hon thnh cc ngh quyt ca Hc nm 2010 l tng vn iu l ln 4.000 t ng, hon thnh cc ch tiu k hoch ra nh li nhun t 663 t bng 102% k hoch, tng ti sn t 59.807 t bng 123% k hoch, n xu 1,2% (k hoch l di 2%). Trong nm qua Hi ng Qun tr cng c nhng quyt nh quan trng nh thay i tn v logo ca Ngn hng; m rng mng li v c cu li cc phng ban ti Hi s cho ph hp; kt hp vi t chc t vn c uy tn ti cu trc Ngn hng; ban hnh cc quy trnh, quy ch ni b iu tit cc hot ng

vic ra quyt nh v vic iu hnh cng vic hng ngy ca Ngn hng. Hi ng Qun tr nhim c 2 thnh vin c lp trong mt thnh vin c lp c b nhim lm Ph ch tch HQT. cc thnh vin c lp ngoi nhim v tham gia vo vic ra cc quyt ca HQT cn thc nhim nhim v ca mt thnh vin c lp nh gim st vic kim phiu biu quyt bng vn bn ca HQT.

hot ng ca cc hi ng trong hQt Hi ng tn dng: c chc nng xt cp tn dng, ph duyt hn mc tn dng vt hn mc quyt nh ca cc Ban tn dng ti cc chi nhnh, ph duyt p dng cc bin php x l n v min gim li; xut cc kin v trnh HQT quyt nh chnh sch tn dng v qun l ri ro tn dng ton h thng Hi ng u t: c chc nng thm nh cc d n u t ca Ngn hng, trnh cp c thm quyn quyt nh u t, quyt nh cc khon u t vt mc ca Ban u t Hi ng qun l Ti sn N- c (aLcO): c chc nng qun l cu trc bng tng kt ti sn ca Ngn hng, xy dng v gim st cc ch tiu ti chnh, tn dng ph hp vi chin lc kinh doanh ca Ngn hng. Hi ng khen thng: c chc nng xt duyt v quyt nh mc khen thng, i tng khen thng l cn b nhn vin VPBank c thnh tch xut sc, nhng c nhn tp th ng gp c hiu qu vo hot ng kinh doanh cho VPBank

hot ng ca thnh vin hQt c lp khng iu hnhThnh vin c lp ca HQT c vai tr to s kim tra v cn bng quyn lc; m bo Ngn hng hot ng lnh mnh; m bo cc quyt nh ca hi ng qun tr l khch quan, v li ch tt nht ca Ngn hng v gim kh nng xung t li ch gia

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNG Hi ng ch o cng ngh: c chc nng xt duyt v quyt nh cc chnh sch v chin lc v cng ngh thng tin ca Ngn hng, cc d n ln, cc k hoch u t v ngn sch cho cng ngh thng tin hng nm. Hi ng h tr k thut: thay mt HQT VPBank Phi hp vi cc thnh vin khc ca i tc chin lc OcBc trong vic nh hng v t chc thc hin cc chng trnh h tr k thut trn cc lnh vc qun l ri ro, dch v Ngn hng bn l, qun l v kinh doanh tin t, qun tr Ngn hng... y ban nhn s: y ban nhn s c nhim v tham mu cho HQT trong cc vn lin quan ti nhn s HQT, BKS. Quyt nh cc vn lin quan ti nhn s cao cp ca Ngn hng hng v quyt nh cc chnh sch v nhn s.

K hoch tng cng hiu qu trong hot ng qun tr ngn hngK hoch nm 2011, Hi ng qun tr VPBank s b sung thm nhn s HQT v c cu li cc b phn h tr cho HQT tng cng hiu qu qun tr Ngn hng. HQT , ang v hon thin cc quy trnh nghip v, b sung v sa i cc quy ch kim tra kim sot cho ph hp vi quy nh ca cc c quan qun l v theo yu cu hot ng ca Ngn hng trong tng giai on; phi hp vi i tc chin lc OcBc trn cc lnh vc qun tr ri ro,dch v Ngn hng bn l, o to qun tr Ngn hng; tip tc trin khai d n ti chuyn i VPBank vi s h tr ca cng ty t vn qun l c uy tn. D n ny c tnh chin lc, t ph, c tc ng su rng ti mi lnh vc trong Ngn hng, chc chn s mang li li ch kinh t cho mi c nhn, thnh vin ca VPBank.

hot ng ca Ban Kim sot /Kim sot vinBan kim sot thc hin nhim v kim tra hot ng ti chnh, thc hin kim ton ni b hot ng tng thi k, tng lnh vc nhm nh gi chnh xc hot ng kinh doanh v thc trng ti chnh Ngn hng thng qua vic phi hp hot ng gia ban kim sot v cc thnh vin HQT, thnh vin Ban iu hnh. Trong nm 2010, Ban kim sot thc hin c mt s vic nh: c cu li phng kim ton ni b theo hng chuyn mn ha v ph hp hn vi tc pht trin ca Ngn hng; xy dng v ban hnh b quy tc o c ngh nghip kim ton v b quy trnh kim ton ni b lm kim ch nam cho hot ng KTNB; thc hin tng cng 90 t kim ton ring l trong 60 cuc kim ton theo chi nhnh cp 1, Phng/ban hi s, cng ty con; tham gia gii quyt khiu ni ca khch hng. Ngoi ra, BKS cng thc hin nhim v gim st cc hot ng ca HQT v Ngn hng. Vic gim st ny c thc hin trn tt c cc mng nghip v Ngn hng vi nhng thng tin c cp nht qua h thng phn mm Ngn hng v cc vn bn nghip v do cc cp c thm quyn ban hnh. cc sai st trong qu trnh tc nghip c pht hin v chnh sa kp thi. Mt s vn mang tnh ri ro pht hin qua gim st u c lu tp trung kim tra, x l.

th lao, cc khon li ch khc v chi ph cho thnh vin hQt/hi ng thnh vin/ch tch v thnh vin BKS/ Kim sot vincc thnh vin HQT v BKS c hng th lao cng vic. Th lao cng vic tr cho mi thnh vin c quyt nh trn nguyn tc nht tr ca cc thnh vin. Tng mc th lao ca HQT v BKS nm 2010 theo quyt nh ca Hc l 4,5 t ng v c chi ht trong nm 2010. Ngoi ra, cc thnh vin HQT v BKS c thanh ton cc chi ph i li, n v cc chi ph hp l khc theo s thc chi khi thc hin nhim v c giao. Theo quy nh, th lao v cc chi ph khc ca HQT, BKS nm 2010 c quy nh thnh mt mc ring trong Bo co ti chnh v c bo co li ti Hc nm 2011.

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNGS lng thnh vin hQt/htV, BKS/KSV c chng ch o to v Qun tr cng tyhi ng Qun tr Stt1 2 4 5 6

h tnNg ch Dng Bi Hi Qun Soon Tit Koon L Bng Giang Trn Trng Kin

chc vch tch HQT Ph ch tch HQT Thnh vin HQT Ph ch tch HQT Thnh vin HQT c lp

Bng cpTin s kinh t c nhn kinh t Thc s qun tr kinh doanh Thc s kinh t Thc s qun tr kinh doanh

Ban kim sot Stt1 2 3

h tnNguyn Qunh anh Trnh Th Thanh Hng V Hi Bng

chc vTrng ban kim sot Thnh vin BKS chuyn trch Thnh vin BKS

Bng cpTin s Khoa hc gio dc, Thc s Qun tr kinh doanh c nhn khoa hc, c nhn kinh t c nhn lut

t l s hu c phn v nhng thay i trong t l nm gi c phn/ca thnh vin hQt thi im 31/12/2010 Stt1 2 3 4 5

h tnNg ch Dng Bi Hi Qun ng Soon Tit Koon L Bng Giang Trn Trng Kin

chc vch tch HQT Ph ch tch HQT Thnh vin HQT Ph ch tch HQT Thnh vin HQT c lp

ghi chS hu c nhn S hu c nhn i din cho s c phn ca Oversea chinese banking corporation Ltd S hu c nhn S hu c nhn

t l cPSh4,48% 1,55% 14,88% 0,14% 0,10%

trong nm, VPBank c 2 t tng vn iu l trong : t 1: chia c tc bng c phiu v c phiu thng vi tng t l l 16,01% chia u cho cc c ng. S c phn s hu ca cc thnh vin thay i nhng t l s hu c phn khng thay i. t 2: Pht hnh ra cng chng vi t l 62,83%. cc thnh vin u mua ht s c phn c quyn mua thm ca mnh do s c phn s hu ca cc thnh vin tng ln nhng t l s hu khng thay i. Ngoi ra, trong nm ng Ng ch Dng tng t l s hu ca mnh t 0,21% ln thnh 4,48% bng hnh thc mua li t ca cc c ng khc ca Ngn hng.

Thng tin v cc giao dch c phiu/chuyn nhng phn vn gp ca cng ty ca cc thnh vin Hi ng qun tr, Ban Gim c iu hnh, ban kim sot, c ng ln v cc giao dch khc ca cc thnh vin Hi ng qun tr Ban gim c iu hnh, Ban kim sot v nhng ngi lin quan ti cc i tng ni trn. nm 2010 S ltMua Bn Mua rng 303 11

Khi lng c phiu78.008.565 14.204.458 63.804.107

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNGThng tin v hp ng hoc giao dch c k kt vi Ngn hng ca thnh vin HQT, ban iu hnh, BKS v nhng ngi c lin quan ti cc i tng ni trn. Trong nm Ngn hng c pht hnh th bo lnh c ti sn m bo vi tng gi tr 20.000.000 uSD thc hin hp ng cho cng ty cP Du lch Thin Minh, cng ty do ng Trn Trng Kin, thnh vin c lp ca HQT, lm ch tch HQT. Khon bo lnh ny nm trong gii hn c php theo cc quy nh ca NHNN v c ti sn m bo y .

cc d liu thng k v c ng/thnh vin gp vn trong ncc cu c ng ca VPBankthi im 31/12/2010 Stti 1 2 3 4 5 ii iii

Loi c ngc ng php nhn cng ty c phn cng ty TNHH Doanh nghip nh nc Ngn hng T chc kinh t khc c nhn c ng nc ngoi Tng cng

S lng c ng47 29 9 0 0 9 3.967 1 4.015

S c phn129.333.526 101.070.276 26.321.148 0 0 1.942.102 211.165.549 59.500.925 400.000.000

t l32,33% 25,27% 6,58% 0 0 0,49% 52,79% 14,88% 100%

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THNG TiN c NG/THNH ViN GP VN V QuN TR NGN HNGc ng/thnh vin gp vn nh ncVPBank khng c c ng nh nc

c ng gp vn sng lpVPBank c thnh lp hn 18 nm nn khng cn b gii hn chuyn nhng c phn i vi c ng sng lp na. cc c ng sng lp ca VPBank chuyn nhng ht c phn s hu ti VPBank ngoi tr c ng sau: thi im 31/12/2010 h tn c ngNguyn Quang a

ngy thng nm sinh17/10/1946

a ch lin h19 on Nh Hi, H Ni

S cPSh1.681.735

t l/VL0,42%

c ng, thnh vin gp vn nc ngoithi im 31/12/2010 tn c ngOversea chinese Banking corporation LTD

a chS 65 ph chulia,# 29-00, ta nh OcBc, 049513 Singapore

ngnh ngh kinh doanhNgn hng, ti chnh

S c phn59.500.925

t l s hu14,88%

trong nm s cPSh ca ocBc thay i hai ln nh sau: Ln 1: Tng t 31.497.676 ln 36.541.435 do VPBank chia c tc bng c phiu v chia c phiu thng vi t l 16,01%. Ln 2: Tng t 36.541.435 ln thnh 59.500.925 do VPBank cho bn chng khon cho cc c ng hin hu vi t l 62,83% .

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VPBAnK Vi cng ngBo co Thng Nin 55

VPBaNK Vi cNG NG

cng vi vic pht trin kinh doanh, nhm cung cp ti khch hng nhng sn phm, dch v ti chnh Ngn hng tt hn na, VPBank cn mong mun ng gp nhiu hn cho cng ng, t mang li s thnh vng n cho cc doanh nghip Vit Nam v ngi dn Vit Nam. chm sc phng dng nhng B m Vit nam anh hng, gia nh c cng vi cch mng, tr m ci, l nhng hot ng c VPBank duy tr trong nhiu nm. Ngy 12/8/2010, cng vi s kin thay i hnh nh thng hiu, VPBank cng chnh thc thnh lp Qu hc bng Thnh vng dnh cho sinh vin gii cc trng Hc vin Ngn hng, i hc Kinh t quc dn, i hc Ngoi thng, hot ng ny th hin s quan tm ti th h tr - cc nh tri thc tng lai, ngun lc tim nng cho s pht trin ca t nc. chia s kh khn vi khc rut Min Trung b nh hng nng n bi trn l lt lch s thng 10/2010, Ngn hng Vit Nam Thnh Vng (VPBank) ngay

lp tc quyt nh gi ti ng bo ba tnh Ngh an, H Tnh v Qung Bnh s tin 500 triu ng khc phc hu qu do ma l gy ra thng qua qu ca co bo: Tin Phong, Thanh nin, Dn tr. ng thi, cc cBNV chi nhnh VPBank cc tnh Ngh an, H Tnh v Qung Bnh cng trc tip xung vng l, trao qu l nhng thc phm v vt dng thit yu cho ng bo ti y. cui nm 2010, VPBank cng t chc l pht ng Thng "Hnh ng v ngi ngho" trong ton th lnh o v nhn vin ca Ngn hng. chng trnh "Hnh ng v ngi ngho" ca VPBank s l mt hot ng thng nin, vi quy m trn ton h thng. chng trnh c bo tr bi cng on Ngn hng, thng qua y cc cn b, nhn vin s c c hi c th hin s quan tm, trch nhim ca mnh vi cng ng x hi. Nhm a VPBank tr thnh Ngn hng khng ch n nh v ti chnh m cn tch cc tham gia cc hot ng t thin x hi ngi dn Vit Nam ngy mt thnh vng hn.

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mng Li hot ngBo co Thng Nin Annual Report 2010 12157

MNG Li HOT NG

Hi s S Giao dch

8 L Thi T, Hon Kim 8 L Thi T, Hon Kim

h ni

T: 04.39288869 T: 04.39288869

chi nhnh/Phng giao dchVPBank h ni VPBank ct Linh VPBank Trn Hng o VPBank Trng an VPBank yn Ph VPBank Thy Khu VPBank Khm Thin VPBank Tn c Thng VPBank Trn Xun Son VPBank i cn VPBank Linh m VPBank Ba nh VPBank ng VPBank Hng Bum VPBank Hai B Trng VPBank B Triu VPBank Bch Khoa VPBank Minh Khai VPBank ng Tm VPBank Gii Phng VPBank Nguyn Hu Hun VPBank i Kim VPBank Ho Nam VPBank ng Quyn VPBank Hon Kim VPBank chng Dng VPBank Nguyn Biu VPBank Ngc Lm VPBank Hng Giy VPBank ng anh VPBank Xun La VPBank thng Long VPBank cu Giy VPBank Phm Vn ng VPBank M nh VPBank Hong Quc Vit VPBank Trn Duy Hng VPBank Liu Giai VPBank Thnh cng VPBank Nam Thng Long VPBank yn Ha VPBank T Lim VPBank Nguyn Tun VPBank Kinh VPBank Ging V VPBank Thanh Xun VPBank Kim Lin VPBank L Trng Tn VPBank Trung Ha - Nhn chnh VPBank L Nam VPBank H Ty VPBank Ng T Vng VPBank Vn Qun 4 D Tng, Hon Kim 20a ct Linh, ng a 97 Trn Hng o, Hon Kim 12 in Bin Ph, Hon Kim 46 yn Ph, Ty H 152 Thy Khu, Ty H 92 Khm Thin, ng a 214 Tn c Thng, ng a 66 Trn Xun Soan, Hai B Trng 279 i cn, Ba nh 19BT1 Linh m, qun Hong Mai 450 Hong Hoa Thm, qun Ty H, HN 362 Ph Hu, Hai B Trng 118 Hng Bum, Hong Kim 182a L c, Hai B Trng 99 B Triu, Hai B Trng 92 L Thanh Ngh, Hai B Trng 534 Minh Khai, Hai B Trng 168 Trn i Ngha, Hai B Trng 667-669 Gii Phng, Hong Mai 98 Nguyn Hu Hun, Hon Kim a5-c8, Khu TM i Kim, Thanh Xun 102 Ho Nam, qun ng a, HN 39a Ng Quyn, Hon Kim 04 Hm Long , Hon Kim 498 Nguyn Vn c, Long Bin 8 Nguyn Biu, Ba nh 172 Ngc Lm, Long Bin 37 Hng Giy 16 T 4 TTTM ng anh 16 Xun La, Ty H M3-M4 Nguyn ch Thanh, ng a 2 Nguyn Khnh Ton, cu Giy Km9 Phm Vn ng, cu Giy Tng 1, ta nh cT1-1, Khu th M Tr H, T Lim 184 Hong Quc Vit, cu Giy 73 Trn Duy Hng, cu Giy 40 Liu Giai, Ba nh 22 Thnh cng, Ba nh 4 Ta nh TM thp tng cT17, KT Nam Thng Long 50 Trung yn 1, cu Giy, H Ni N1H1 Bn xe M nh, T Lim, H Ni 163 Nguyn Tun, Qun Thanh Xun 292 Ty Sn, ng a 209 Ging V , ng a 601 Nguyn Tri, Thanh Xun 61 X n, ng a 56 L Trng Tn, Thanh Xun Ta nh 17T6, ng Hong o Thy, KT Trung Ha Nhn chnh 36c L Nam , Hon Kim 118 Quang Trung, H ng 61 Trng chinh, qun ng a a16 - TT9, Khu th Vn Qun, ng Nguyn Khuyn, H ng T: 04.39423635 T: 04.37343961 T: 04.39428139 T: 04.37478322 T: 04.37151922 T: 04.37280931 T: 04.35189774 T: 04.35131969 T: 04.39446910 T: 04.37226171 T: 04.35401864 T: 04.32474050 T: 04.39744107 T: 04.39288869 T: 04.39721928 T: 04.39743861 T: 04.38692828 T: 04.36335874 T: 04.36288392 T: 04.36648852 T: 04.39264022 T: 04.35400525 T: 04.35134353 T: 04.22205088 T: 04.39350582 T: 04.22207500 T: 04.37347094 T: 04.38736212 T: 04.39274790 T: 04.39655202 T: 04.37586306 T: 04.62662577 T: 04.37672474 T: 04.37920015 T: 04.37875006 T: 04.37557516 T: 04.35563094 T: 04.37622626 T: 04.37725523 T: 04.37588745 T: 04.37834733 T: 04.39385111 T: 04.35579491 T: 04.35378701 T: 04.35121178 T: 04.35524968 T: 04.35771881 T: 04.35665338 T: 04.62812650 T: 04.37478696 T: 04.33552701 T: 04.36291051 T: 04.73057314

58


MNG Li HOT NG

VPBank Bc Ninh VPBank T Sn

Bc ninh 253 Ng Gia T, P.Sui Hoa 317 Trn Ph, T Sn, Bc Ninh Bc giAng 303 L Li, T.p Bc Giang 2 Ng Gia T, P.Trn Ph 45 ng 19/5, T.trn Thng, Hip Ha 208 L Li, thnh ph Bc Giang Vnh Phc 1 M Linh, Th x Vnh yn 26 ng Hng Vng, Th x Phc yn Khu 2, X Th Tang, Huyn Vnh Tng thi nguyn 590 Lng Ngc Quyn, P.ng Quang Ph th 2040 i l Hng Vng, T.p Vit Tr 1421 i l Hng Vng, T.p Vit Tr hi Dng 216-218 L Thanh Ngh Quc l 5, Thn Gch, Th trn Lai cch, cm Ging hi Phng 31-33 Phm Ng Lo, Ng Quyn 12 ng Nng, Ng Quyn 230-232 T Hiu, L chn 276B Lch Tray 125 Trn Thnh Ng, Kin an 70 Quang Trung, Hng Bng 26 ng Nng, Th trn Ni o, Thy Nguyn 173 Trng Trinh, phng Lm H, Qun Kin an Qung ninh 158 L Thnh Tng, T.p H Long S 308 Trn Ph, th x cm Ph, tnh Qung Ninh 6 Hng Vng, P. Trn Ph, Tp. Mng ci, tnh Qung Ninh nAm nh 69 L Hng Phong Th trn c L, Huyn Trc Ninh Km2 ng Xun Bng, Nam Phong thi Bnh 259M L Qu n, P.B Xuyn S nh 6, t 7 phng Quang Trung, Tp. Thi Bnh hA Bnh 139 ng c chnh Lan, P. Phng Lm

T: 0241.3893686 T: 0241.3761112

VPBank Bc Giang VPBank Ng Gia T VPBank Hip Ha VPBank L Li

T: 0240.3555565 T: 0240.6252588 T: 0240.3863544 T: 0240.3556633

VPBank Vnh Phc VPBank Phc yn VPBank Vnh Tng

T: 0211.3720138 T: 0211.3530378 T: 0211.3791887

VPBank Thi Nguyn

T: 0280.3656769

VPBank Ph Th VPBank Tin ct

T: 0210.6250269 T: 0210.6258015

VPBank Hi Dng VPBank cm Ging

T: 0320.3837808 T: 0320.3783821

VPBank Hi Phng VPBank Ng Su VPBank L chn VPBank Lch Tray VPBank Kin an VPBank Quang Trung VPBank Thy Nguyn VPBank Trng Trinh

T: 031.3757799 T: 031.3552533 T: 031.3955904 T: 031.3847355 T: 031.3577756 T: 031.3521068 T: 031.3642624 T: 031.3545118

VPBank Qung Ninh VPBank cm Ph VPBank Mng ci

T: 033.3657668 T: 033.3723818 T: 033.3789959

VPBank Nam nh VPBank Lc Qun VPBank Quan

T: 0350.3834834 T: 0350.3935961 T: 0350.3857889

VPBank Thi Bnh VPBank Trn Ph

T: 036.3642159 T: 036.3648699

VPBank Ha Bnh

T: 0218.3897068

Bo co Thng Nin

59

MNG Li HOT NG

VPBank Thanh Ha VPBank Bm Sn VPBank Nguyn Tri VPBank Sm Sn

thAnh hA 27-29 i l L Li 18 Nguyn Hu, Th x Bm Sn 306 Nguyn Tri, P.Tn Sn 47 Nguyn Du, Th x Sm Sn ngh An Nh a, khu TMDV nh c1, ng Quang Trung, T.p Vinh 2 ng cao Thng, P. Hng Sn, T.p Vinh 157 Nguyn Vn c, T.p Vinh 99 Nguyn Phong Sc, Thnh ph Vinh, Ngh an Qung Bnh 108 Trn Hng o, T.p ng Hi ng 12, Huyn Qung Trch Th trn Hon Lo, Huyn B Trch, Tnh Qung Bnh h tnh 2 ng V Quang, T.p H Tnh Khu ph 3, Th trn K anh, Huyn K anh, Tnh H Tnh hu 64 Hng Vng 228 Nguyn Sinh cung 165 Trn Hng o 91 Mai Thc Loan 39 Nguyn Thi Hc, thnh ph Hu Qung tR 16 ng Hng Vng, Th x ng H TT H X-Vnh Linh-Qung Tr nng 112 Phan chu Trinh 215 L Dun 567 in Bin Ph 318 ng a, Q. Hi chu 5 Nguyn Hu Th, Q. Hi chu 429 Ni Thnh 1088 Ng Quyn, Qun Sn Tr, TP. nng Bnh nh 106-108 Phan Bi chu, T.p Quy Nhn 390a-390B Nguyn Thi Hc, TP. Quy Nhn, tnh Bnh nh nhA tRAng 26 yersin 582 L Hng Phong, P.Phc Long, Bnh Tn Bnh thun 132 Trn Hng o, P.Ph NGT.p Phan Thit Thy, Nai

T: 037.3725856 T: 037.3771595 T: 037.6252003 T: 037.3827025

VPBank Ngh an VPBank ch Vinh VPBank Nguyn Vn c VPBank ca ng

T: 038.3588979 T: 038.3581631 T: 038.3589427 T: 038.3529555

VPBank Qung Bnh VPBank Qung Trch VPBank B Trch

T: 052.3846969 T: 052.3518989 T: 052.6257999

VPBank H Tnh VPBank K anh

T: 039.3693698 T: 039.3730899

VPBank Hu VPBank V D VPBank ng Ba VPBank Mai Thc Loan VPBank Ph Hi

T: 054.3814646 T: 054.3897171 T: 054.3571717 T: 054.3545556 T: 054.3943939

VPBank Qung Tr VPBank Vnh Linh

T: 053.3556883

VPBank Nng VPBank L Dun VPBank in Bin Ph VPBank ng a VPBank Nguyn Tri Phng VPBank Ni Thnh VPBank Sn Tr

T: 0511.3835090 T: 0511.3751155 T: 0511.3758939 T: 0511.3531466 T: 0511.3614607 T: 0511.3621371 T: 0511.3946797

VPBank Bnh nh VPBank Nguyn Thi Hc

T: 056.3810029 T: 056.3647168

VPBank Nha Trang VPBank Bnh Tn

T: 058.3561888 T: 058.3880101

VPBank Bnh Thun

T: 062.3835618

60


MNG Li HOT NG

VPBank H ch Minh VPBank Tn nh VPBank B chiu VPBank Th c VPBank Khnh Hi VPBank Bnh Thnh VPBank Hunh Tn Pht VPBank Nguyn Thin Thut VPBank cng Ha VPBank Ph Nhun VPBank Ph M Hng VPBank L Vn S VPBank Hng Xanh VPBank Nguyn cng Tr VPBank Nguyn Thi Sn VPBank Thnh M Li VPBank N Trang Long VPBank Si Gn VPBank Tn Ph VPBank Tn Bnh VPBank Ha Hng VPBank Hong Hoa Thm VPBank Phm Vn Hai VPBank Ph Lm VPBank Bi Hu Ngha VPBank ch Ln VPBank Hu Giang VPBank an Dng Vng VPBank Thng Nht VPBank an Sng VPBank chnh Hng VPBank Qun 10

h ch minh Ta nh Fideco, 81-83-85 Hm Nghi, Qun 1 300 Hai B Trng, Qun 3 341 L Quang nh, Q.Bnh Thnh 112 V Vn Ngn, Q.Th c 199 Khnh Hi, Qun 4 659 X Vit Ngh Tnh, Q.Bnh Thnh 352 Hunh Tn Pht, Qun 7 299-301 Nguyn Thin Thut, P1, Qun 3 29 cng Ha, Q.Tn Bnh 204 H Vn Hu, Q. Ph Nhun 1473(D1-D6) KP M Ton 1, Nguyn Vn Linh, Qun 7 288-290 L Vn S, Qun 3 244 X Vit Ngh Tnh, Q. Bnh Thnh 116 Nguyn cng Tr, Qun 1 124B Nguyn Thi Sn, phng 3, qun G Vp 638-640 Nguyn Th nh, phng Thnh M Li, qun 2 151 N Trang Long, Phng 12, qun Bnh Thnh 129 Nguyn Tr Thanh, P9, Q.5 611a,B,c ng Ly Bn Bch, Q.Tn Ph 10 Phan nh Git, Q.Tn Bnh 611 cch Mng Thng Tam, Q.10 26 Hong Hoa Thm, Q.Tn Bnh 83 Phm Vn Hai, Q.Tn Bnh 3 Khu ph ch Ph Lm, Q.6 79 Bi Hu Ngha, Qun 5 54 Trn Bnh-57 Thp Mi, Q6 211-213 Hu Giang, Qun 6 313 an Dng Vng, Qun 5 623 Quang Trung, Q.G Vp 24/44c Trng chinh, P.TTN, Qun 12 357-359 Phm Hng, p 4, x Bnh Hng, huyn Bnh chnh 296 ng 3/2, Phng 12, Qun 10 Long An 6 ng L cao Dng, Th x Tn an 83 Nguyn Hu Th, huyn Bn Lc, tnh Long an cn th 26-28 i l Ha Bnh, Q.Ninh Kiu 231T ng 3/2, Q.Ninh Kiu c4 ng cMT8, P.an Thi, Q.Bnh Thy ng thP 67-69 Nguyn Hu, P1, T.p cao Lnh Vnh Long 53a Phm Thi Bng, P4, T.p Vnh Long An giAng 132 Trn Hng o, P.M Bnh, T.p Long Xuyn, tnh an Giang Kin giAng 4 Trn Ph, thnh ph Rch Gi, tnh Kin Giang Vng tu S 13, khu thng mi 15 tng, ng Nguyn Thi Hc, thnh ph Vng Tu Bnh Dng 557 i l Bnh Dng, phng Hip Thnh, th x Th Du Mt, tnh Bnh Dng ng nAi 221 Quc l 15, T.p Bin Ha 643 p Ng Phc, X H Nai 3, Huyn Trng Bom, ng Nai

T: 08.38210076 T: 08.54046521 T: 08.35158893 T: 08.37222182 T: 08.39414191 T: 08.62581376 T: 08.38722876 T: 08.38390313 T: 08.62966503 T: 08.62929063 T: 08.54122094 T: 08.35262301 T: 08.54456701 T: 08.54042738 T: 08.54461233 T: 08.54027942 T: 08.5445 3844 T: 08.62650128 T: 08.39735210 T: 08.39970088 T: 08.38646092 T: 08.39485827 T: 08.39910980 T: 08.38778056 T: 08.39240363 T: 08.38547038 T: 08.39608893 T: 08.38303490 T: 08.39210242 T: 08.35921833 T: 08.37580686 T: 08.39797549

VPBank Long an VPBank Bn Lc

T: 072.3524524 T: 072.3637696

VPBank cn Th VPBank Hng Li VPBank Bnh Thy

T: 0710.3815766 T: 0710.3780456 T: 0710.3768788

VPBank ng Thp VPBank Vnh Long VPBank an Giang VPBank Kin Giang VPBank Vng Tu

T: 067.3876123 T: 070.3853854 T: 076.3855724 T: 077.3948111 T: 064.3577272

VPBank Bnh Dng

T: 0650.3683979

VPBank ng Nai VPBank H Nai

T: 061.3948958 T: 061.8889379

Bo co Thng Nin

61

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