Ngy 04/06/1993, chnh thc i vo hot ng.

Ngy 17/2/1996 l ngn hng u tin ti Vit Nam

pht hnh th tn dng quc t ACB-master Card .
Thng 11/2006 nim yt c phiu ti HaSTC.
T ngy 31/12/2010 vn iu l ca ACB l
9.376.965.060.000 ng

Tr thnh ngn hng thng mi c phn

bn l hng u Vit Nam

C nhn, doanh nghip va v nh

Ch c mt ACB
Lin tc cch tn
Hi ha li ch ca cc bn c quyn li lin quan

Sn phm dch v
chnh
Huy ng vn bng ng Vit Nam,
ngoi t v vng
S dng vn bng ng Vit Nam,
ngoi t v vng
Cc dch v trung gian
Kinh doanh ngoi t v vng.
Pht hnh v thanh ton th tn
dng, th ghi n

1 knh tit kim v u t

,gia tng tiu dng trong
tng lai.
1 ni an ton ct tr v
tch ly vn tm thi nhn
ri.
C hi tip cn vi cc dch
v khc ca ngn hng

Khch hng c nhn

Linh hot v ch ng
hn trong vic huy ng
vn u t cho bt ng
sn hay cc nhu cu sinh
hot tiu dng ca c
nhn

Khch hng l doanh nghip

Huy ng c ngun
vn v n hnh sn
xut kinh doanh v m
r ng quy m hot ng
Gim thu nhp chu thu

Gip

khch hng tit

kim c thi gian

Hn

Gip

ch ri ro trong qu
trnh vn chuyn tin mt.

L mt ngun cung cp m bo,

uy tn

n nh th trng vng,
ngoi t bun bn tri ni.
Gip

khch hng gia tng

hiu qu s dng vn mt
cch an ton

Thay th tin mt, gim thiu ri ro do khng phi mang

theo lng tin mt ln khi i cng tc, kinh doanh, hc
tp hoc du lch... .

Thun li thanh ton giao dch mua sm qua Internet.

Rt tin mt d dng nhanh chng trn ton th gii.
D dng qun l chi ph cng tc ca nhn vin
c cung cp ngun vn ngn hn m khng cn lm
th tc vay vn.

CHNH SCH PRODUCT

PRODUCT

Danh mc sn phm dch v vo loi phong ph

nht vi hn 200 sn phm c bn (hn 600 sn
phm tin ch)

Cng ngh tin tin, c an ton v bo mt cao

t ph trong sn phm to nn nhng bt ph quan

trng, c bit cc dch v ngn hng in t.

S DNG VN

Vay bng VND, khch hng vay c th

tha thun ng tin tr n v vic bo
ton gi tr n gc

Hn ch cho vay - khng phi ngng

cho vay

KINH DOANH NGOI T V VNG

Thnh lp trung tm giao dch Vng nhm:
Cc

nh u t c th gia tng hiu

qu s dng vn ca mnh khi tham gia
giao dch
To ra sn chi cho nhng ngi
mun bo him ri ro bin ng hoc
kinh doanh trn chnh lch gi vng

PHT HNH TH TN DNG, TH GHI N

Th tn dng
Th Chip ACB Visa Platinum
Th ACB Visa/MasterCard

Th ghi n
Th Visa Debit
Th 365 Styles
Th ATM2+

Th
tr
trc
Th
Visa
Prepaid v MasterCard
Dynamic
Th Visa Electron v MasterCard
Electronic
Th ACB e.Card

CHNH SCH GI

LI SUT HUY NG
a dng theo nhiu loi tin v nhiu k hn
u t

LI SUT TN DNG
Theo thi gian vay: Ngn hn
Trung hn
Di hn
Theo mc ch s dng vn cho cc i tng khc nhau
Khch hng doanh nghip
Khch hng c nhn

CHNH SCH PH DCH V KHAC

nhn v doanh nghip trong hu ht cc dch v

C biu ph dch v dnh cho khch hng l c

CHNH SCH PLACE

KNH PHN PHI TRUYN THNG

311 chi nhnh, phng giao dch

1 hi s
1 s giao dch

ACB BANK

TECHCOMBANK

VIETIN BANK

H NI

55

93

201

TP.HCM

137

91

128

S lng CN, PGD

KNH PHN PHI HIN I

Lin kt vi Banknetvn, Smartlink v VNBC c
c mng li 11.000 my ATM trong c nc.
Lin kt vi cc h thng thanh ton trc tuyn
khch hng vi th ghi n ni a ca ACB c th thc
hin thanh ton mua hng ha, dch v.
Giao dch internet banking, mobile banking thc
hin chuyn khon lin ngn hng ti ch th ni a
hay quc t ca ngn hng khc

KNH PHN PHI HIN I (TT)

ACB BANK

TECHCOMBANK

VIETIN BANK

H NI

38

215

213

TP.HCM

204

281

254

S lng my ATM

CHNH SCH PROMOTION

XY DNG THNG HIU

Xy dng c mt h thng thng hiu thng

nht, t logo, slogan, ng phc, name card,
phong b th.
Thit k th c trng, d nhn din vi hng ch
ACB p, thu ht.

XC TIN BN HNG

i ng nhn vin c o to bi bn, thi

chuyn nghip.
y mnh pht hnh th qua nhiu hnh thc
khc nhau nh gii thiu qua i l, pht
hnh trc tip. tn nh, ti cc hi ch trin
lm, trng hc, bu cc..

QUNG CO

Qung co xy dng thng hiu

Qung co hnh nh ngn hng, nhiu ngi bit
n ngn hng vi slogan Ngn hng ca mi nh
Qung co qua cc phng tin thng tin: Truyn
hnh, truyn thanh, bo ch, internet

HOT NG PR
Hot ng ng gp cho x hi

Cng tc n n p ngha
Cng tc t thin ng h hi bo tr bnh nhn ngho tp.HCM
Ti tr qu ngi ngho tnh Hu Giang
Trao tng xe cp cu cho Hi ch thp ng h quChung
mt tm lng ca i truyn hnh tp.HCM
Kt hp vi Hi Ch thp Tp.HCM t chc chng trnh
ACB V sc khe cng ng ti Cn Th v Vnh Long.
T chc chng trnh ACB V sc khe cng ng khm
bnh v pht thuc, tng qu cho nn nhn cn bo s 9 ti
Qung Nam v Nng.
.

HOT NG PR (TT)
Hot ng ng gp cho x hi

HOT NG PR (TT)
i vi ngnh gio dc
Ti tr cho trng khim th
Ti tr cho chng trnh Ngy hi ngh nghip 2009
trng i hc Kinh t tp.HCM
Ti tr xy trng mm non ti H Ni.
Ti tr hc bng cho sinh vin ngho cc trng i hc.
Ti tr kinh ph xe a n cho hc sinh cc trng ph
thng tnh Daklak tham gia t vn tuyn sinh bo tui Tr.
Ti tr chng trnh Ngy tri t do i hc RMIT t
chc.
.

HOT NG PR (TT)
i vi ngnh gio dc

PEOPLE

NGUN NHN LC
L yu t sng cn cho s thnh cng ca ACB

CHNH SCH
O TO

CH
KHEN
THNG

CH PH
CP, BO
HIM X HI

DCH V TH
Nhn lc mng dch v th c ch trng o to bi bn
Am hiu v nghip v ngn hng, hiu bit v ngn
hng mnh v c ngn hng khc nhm gii p, h tr,
t vn cho khch hng

DCH V PFC
L cc chuyn vin t vn ti chnh
T vn sn phm ngn hng tn ni vi qui m rng
Phi hp vi khch hng lp k hoch tr li v vn vay
hp l cho ngn hng
T vn s dng vn, cung cp cc thng tin ti chnh
hu ch
L dch v khng thu ph

PROCESS

i hi ng c ng
Ban Kim sot
Hi ng qun tr
Vn phng
HQT

Ban Kim sot

Ban Kim
sot ni b

Tng Gim c
Khi
Khch
hng c
nhn

Khi
Khch
hng
doanh
nghip

Phng
Thm
nh gi
ti sn

Khi
Ngn
qu

Phng
u t

Khi
Pht
trin
kinh
doanh

Ban m
bo cht
lng

Khi
Gim
st iu
hnh
Ban
Chin
lc

Khi
Qun tr
ngun
lc

Phng
Quan h
quc t

Khi
CNTT

Ban
Chnh
sch &
qun l
ri ro tn
dng

Cc s giao dch, chi nhnh, phng giao dch, Trung tm th, Trung tm ATM v Trung tm
vng
Cc cng ty trc thuc: Cng ty TNHH Chng khon ACB (ACBS), Cng ty Qun l n v
khai thc ti sn ACB (ACBA), Cng ty cho thu Ti chnh

PROCESS
Phong cch lm vic chuyn nghip, c th snh vi cc ngn
hng c thm nin cao trong ngh.
Quy trnh th tc n gin, nhanh chng.
Cc quyt nh da trn cc tiu ch hiu qu, c quy nh
r rng
Qun l ri ro l mt trong cc vn c ACB c bit quan
tm.
H thng t chc qun l ri ro c xy dng hon chnh,
vi cc chnh sch qun l ri ro ngy cng hon thin

S hon ho l iu ACB lun nhm n

Nm 2002 - Gii thng Cht lng Vit Nam, Bng khen ca

TTCP
Nm 2003 - Gii thng Cht lng Chu Thi Bnh Dng hng
xut sc ca T chc Cht lng Chu Thi Bnh Dng (APQO).
Nm 2006 - Bng khen ca Th tung Chnh ph, Hun chng lao
ng hng III
Nm 2006, ACB c T chc The Asian Banker chn l Ngn hng
bn l xut sc nht Vit Nam (Excellence in Retail Financial Services)
c cc tp ch th gii bnh chn l Ngn Hng xut sc nht Vit
Nam (Best Bank of Viet Nam) vo cc nm 2003, 2005, 2006, 2007,
2009

 XUT MARKETING MIX

Pht trin mnh hn cc sn phm th quc t, th thanh

ton
Ch ng tm n khch hng, gip khch hng hiu r v
sn phm ca ngn hng
M rng knh phn phi cc a phng pht trin v
khu vc pha Bc
u t ci thin cc h thng mng, c bit l mng ATM

u t nng cao, v pht trin h thng k thut bo mt

thng tin
Hon thin ch tin lng, ch i ng, cng tc
tuyn dng
y mnh cng tc PR, c bit trong vic kim sot
thng tin, v khc phc s c; xy dng v gi vng hnh
nh ca mnh trong lng khch hng.