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Tom Tat Chien Luoc Phat Trien Ngan Hang An Binh 2011 2020
Tom Tat Chien Luoc Phat Trien Ngan Hang An Binh 2011 2020
c lp T do Hnh phc
ABBANK d kin s tin vo nhm TOP 10 trong hng ng nhng ngn hng c phn
t doanh vo nm 2016 vi tng ti sn d kin l VND 165.610 t.
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Phn I:
Phn II:
Phn III:
Phn IV:
Phn V:
1.1.
1.2.
Phn khc th trng ABBANK c mt: Phn khc th trng theo khu vc a l; Phn
khc th trng theo ngnh ngh ; Phn khc th trng theo loi hnh doanh nghip; Phn
khc th trng theo i tc.
Phn khc th trng ABBANK cha c mt: Phn khc th trng theo khu vc a l;
Phn khc khch hng a thch sn phm dch v cng ngh cao; Phn khc th trng theo
loi hnh v c im hot ng.
- Tng nng lc cnh tranh ca ABBANK: Pht huy th mnh - Khc phc im yu
1.2.3. ABBANK hng ti mt ngn hng dch v
- Tng li nhun v thu nhp t dch v i hi s hon thin v sn phm dch v, nhng li
trnh c ri ro tn dng, v khng i hi s h tr bng vn t c hay vn iu l.
2/5
- Tng thu nhp t dch v khng yu cu phi tng vn t c, khng phi gnh chu cc ri ro
nh hot ng tn dng. Nm 2010 ABBANK c t l thu nhp t hot ng tn dng (cng c
cho vay lin ngn hng) l 65% v t l thu nhp t ph dch v 12%, thu t kinh doanh CK
21% v thu t u t trc tip 2%. Trong 10 nm ti ABBANK s phn b ngun lc hon
thin h thng sn phm dch v vi mc tiu n nm 2016 khi ABBANK vo hng Top 10
thu nhp t dch v t khong 30% .
1.2.4. Chin lc kinh doanh ngn hng bn l
ABBANK ang hng ti mc tiu hot ng ngn hng bn l vi t trng 50/50 gia ngn
hng doanh nghip v ngn hng bn l vo nm 2016. Do vy cn xy dng m hnh t chc
cho ngn hng bn l; tuyn dng nhn s; t ch tiu cho cc n v hng nm v KPI; tng
cng o to; m rng mng li; nng cp CNTT; pht trin sn phm v dch v ngn hng
bn l; marketing, thng hiu v vn ha kinh doanh; qun l ri ro.
K hoch tng vn iu l ca ABBANK
1.3.
Mc ch tng vn iu l:
- H tr k hoch tng trng tng ti sn v pht trin kinh doanh 2011-2020
- p ng t l n by ti chnh ti thiu 8% v CAR 9%
- p ng l trnh tng vn iu l ca NHNN ln 5.000 v 10.000 t ng trong nhng nm
ti
K hoch v l trnh tng vn iu l:
- 2010: pht hnh c phiu t thng d vn c phn 348 t ng
- 2011: Pht hnh c phiu t thng d vn c phn 369 t ( VL khng vt qu 4.200 t
nh cam kt vi IFC v Maybank)
- 2012: Pht hnh c phiu t thng d vn c phn 204 t v pht hnh c phiu t tri
phiu chuyn i ca IFC v Maybank 600 t. Tng cng pht hnh c phiu mi 804 t
- 2013: D kin c phiu ca ABBANK s nim yt trn sn chng khon u nm 2013
- 2013-2016: Tng cng pht hnh c phiu mi bao gm pht hnh c phiu t thng d
vn c phn 390 t (t phn gp vn ca IFC v Maybank) v pht hnh c phiu mi trn
th trng chng khon
- 2017-2020: Pht hnh c phiu mi
Nm 2016: ABBANK d kin s tin vo hng TOP 10 ca nhm cc ngn hng thng mi
c phn t doanh. n lc tng s vn iu l cn phi c l 10.273 t, v tng s vn iu
l phi tng t nay n l 6.443 t.
Nm 2020: ABBANK d kin s ng vo hng s 9 ca nhm cc ngn hng thng mi c
phn t doanh. n lc tng s vn iu l cn phi c l 21.925 t, v tng s vn iu l
phi tng t nay n l 18.095 t.
K hoch Cng ngh thng tin
1.4.
K hoch thc hin: da trn nn tng H tng c s, con ngi, pht trin ng dng CNTT,
quy trnh quy ch, chi ph u t..
UBCL d ton ngn sch u t cho CNTT v core banking ln n 10-15 triu USD trong 5
nm ti. ABBANK cn duy tr mc chi ph hng nm cho CNTT mc 15% - 20% tng chi
ph iu hnh (mc trung bnh ngnh hin nay vo khong 11%). Cc chi ph thng xuyn
hng nm bao gm chi ph lng, o to, pht trin ng dng v duy tr bo dng h thng
d kin v mua sm nhng trang thit b my mc khng thuc loi ti sn khu hao.
3/5
1.5.
2.
3.
4.
5.
V ng gp cho cng ng, x hi, th hin qua mc thu, s lng nhn vin, ngn sch
dng cho cng tc t thin. C th, mc thu ng ca ABBANK s vo khong gn 660
t ng v 1,513 t vo nm 2016 v 2020 trong khi s lng nhn vin s t 5.600 v
7.600 trong cng thi im. Thm vo , mt ngn sch hp l dng cho nhng cng tc
t thin s c xut cho k k hoch.
Xy dng qu t thin ABBANK FOUNDATION trch t li nhun hng nm v ng
gp ca cc nh ho tm. ng thi t chc cp nht ton th nhn vin ngn hng v khi
nim trch nhim x hi v quan h cng ng gia tng s ng gp ca ABBANK vo
x hi.
D BO TI CHNH GIAI ON 2011-2020
2010
(thc t)
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
165.610
203.767
250.714
308.479
379.553
Tng ti sn
37.999
45.629
Cho vay
19.806
23.767
32.454 42.269
55.050
71.698
88.217
108.542
133.550
164.302
202.180
Tien gui KH
25.952
31.184
40.614 52.896
68.892
89.724
110.397
135.832
167.128
205.634
253.012
Vn iu l
3.831
4.200
5.004
5.394
6.720
8.585
10.273
12.352
14.908
18.054
21.925
Vn ch s hu
4.633
4.805
6.049
6.453
8.267
10.767
13.249
16.301
20.057
24.678
30.364
477
430
710
935
1.220
1.589
1.979
2.436
2.997
3.688
4.538
ROA
1,26%
0,94%
1,17% 1,18%
1.19%
1.18%
1,2%
1,14%
1,2%
1.2%
1,2%
ROE
10,3%
14,94%
14,94%
14,94%
14.95%
14,95%
8%
8%
8%
8%
8%
Li nhun sau
thu
n by ti chnh
12,19% 10,53%
9,98% 8,13%
8%
8%
Kt lun
Nhng chin lc v k hoch xut cho giai on 2011-2020 c xy dng trn c s d
bo ti chnh cho ABBANK v 26 ngn hng thng mi cho giai on 2011-2020. D bo ti
chnh li da vo nhiu gi nh v tin m nhng gi nh v tin ny c th thay i
thng xuyn trong thi k k hoch. Chnh v l do ny m UBCL s theo di cht ch
nhng thay i v bin ng trn th trng cng nh nhng thay i v qui nh v php lut
trong thi k k hoch thng xuyn cp nht v iu chnh d bo cho ph hp vi thc t
trong tng thi k.
Knh trnh i hi ng c ng chp thun v y quyn cho Hi ng qun tr tip tc hon
thin bn chin lc pht trin v trin khai vo hot ng kinh doanh ca Ngn hng theo
tng thi k.
TM . HI NG QUN TR
Ch tch
V Vn Tin
5/5