Cng ha X hi Ch ngha Vit Nam

c lp T do Hnh phc

------------------Ngy 5 thng 4 nm 2011

TM TT CHIN LC PHT TRIN

NGN HNG AN BNH GIAI ON 2011 -2020
(Trnh i hi ng c ng)
o co chin lc ny c son tho di s ch o ca Hi ng Qun tr Ngn hng
thng mi c phn An Bnh (sau y vit tt l ABBANK), trnh ln HQT v i
hi ng c ng vic xy dng mt chin lc cho ton th ABBANK cho giai on 10
nm 2011-2020.

Trn c s nhng tuyn ngn ca ABBANK v S mnh, Tm nhn, v Nhng gi tr

ct li m ABBANK ang theo ui, UBCL xy dng 5 mc tiu chin lc cho 10 nm
ti phc v 5 i tng chin lc:

Tng trng bn vng tin vo hng TOP TEN vo nm 2016

Gia tng gi tr u t ca c ng
Nng cao s phc v khch hng v em ngn hng n vi i chng
To s thnh vng v p ng nhu cu pht trin ca ngi lao ng
ng gp cho s pht trin cng ng x hi

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.

ABBANK s tin ln hng s 9 trong s nhng ngn hng ny vo nm 2020 vi tng

ti sn d kin l VND 379.553 t.
Cng vi d bo ti chnh cho ABBANK v 26 ngn hng l i th cnh tranh, UBCL
xut nhng chin lc, k hoch, v chnh sch lin quan n m hnh kinh doanh, m
hnh t chc ni b, corporate governance, chin lc marketing, chin lc kinh doanh trong
lnh vc tn dng, huy ng, s dng ngun vn, u t v dch v, trong c chin lc
kinh doanh cho ngn hng bn ,l vic pht trin th phn v mng li, khai trin sn phm
dch v cng cc k hoch lin quan n nhn s, o to, cng ngh thng tin, qun l ri ro,
t 5 m c tiu chin lc xng. Nhng l trnh thc hin nhng chin lc, k
hoch v chnh sch c xy dng c th ha chng trnh hnh ng cho ton hng
trong 10 nm ti.
Bo co chin lc ny c xem nh l im xut pht ca mt tin trnh xy dng
chin lc lu di cho ABBANK. Bo co ny s tip tc c b sung vi nhng thng tin
cp nht v nhng bin chuyn din ra trong ngnh ti chnh ngn hng Vit Nam. UBCL
cng s gim st vic thc hin nhng chin lc v k hoch c HQT chp thun v i
hi c ng thng qua, v thng xuyn bo co HQT v tin thc hin chin lc, cng
nh xut nhng iu chnh hay b sung nu c xem l cn thit.
V cu trc, bn chin lc c chia lm nm phn:
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o
o
o
o
o

Phn I:
Phn II:
Phn III:
Phn IV:
Phn V:

ABBANK V MI TRNG KINH DOANH

PHN TCH I TH CNH TRANH V HIN TRNG CA ABBANK
NH NGHA CC MC TIU CHIN LC TNG TH
CHIN LC, K HOCH, CHNH SCH T CC MC TIU
D BO TI CHNH GIAI ON 2011-2020

Tm tt cc ni dung chnh nh sau:

1.

Chin lc, k hoch v chnh sch t mc tiu s 1

1.1.

M hnh kinh doanh

Trong giai on 2011 2020, ABBANK tip tc hot ng nh mt ngn hng a nng
(universal banking) vi hai chc nng chnh l ngn hng thng mi (commercial banking) v
ngn hng u t (investment banking), trong chc nng ngn hng thng mi ca
ABBANK li gm c hai lnh vc hot ng chnh l ngn hng bn l
(consumer/individual/retail banking) v ngn hng doanh nghip (business banking/wholesale
banking).
Chin lc kinh doanh

1.2.

- Mc tiu: tng ti sn d kin khong 165.000 t ng nm 2016 v 379.000 t ng nm

2020. Trong :
Huy ng: t 110.000 t ng v 253.000 t ng vo nm 2016 v 2020, tc tng trng

huy ng vn bnh qun mi nm khong 25.5% cho giai on 2011-2020.

Cho vay: D kin mc tiu cho vay KH t 88.000 t ng v 202.000 t ng nm 2016 v
2020, tc tng trng cho vay bnh qun mi nm khong 25.5%/nm cho giai on 20112020.
Hot ng ngun vn (Treasury): Mc tiu hot ng ngun vn ca ABBANK giai on
2016-2020 bao gm (i) m bo kh nng thanh khon ton hng, nh hng chnh sch qun
tr vn tp trung, linh hot v thn trng; (ii) nng cao cht lng qun l ri ro th trng v
ri ro hot ng; (iii) tp trung khai thc ngun vn trung v di hn; (iv) tng trng v quy
m v cht lng hot ng v tng cng nng lc kinh doanh ca i ng nhn s.
1.2.1. Hot ng u t ti chnh: xy dng gii php tng th, gim cc knh u t ri ro cao,
ngoi ngnh v phi mang li li nhun ng k, ng gp trung bnh khong 15%/nm vo li
nhun trc thu ton hng.
1.2.2. Cc phn khc th phn ch yu
- i vi khch hng c nhn: ABBANK s xy dng chin lc marketing da vo vic
phn tch nhng phn khc th trng theo khu vc a l; Phn khc th trng theo c
im nhn khu;Phn khc th trng theo c im hnh vi.
- i vi khch hng doanh nghip

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.
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- 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.

Chnh sch v s vn hnh qun l ri ro

Xy dng v vn hnh qun l ri ro: qun l ri ro tn dng, qun l ri ro th trng v qun
l ri ro nghip v

2.

Nhng chin lc, k hoch v chnh sch t Mc tiu 2

K hoch gia tng gi tr u t ca c ng l k hoch gia tng gi tr ti sn hu hnh v gi
tr ti sn v hnh ca ABBANK qua ch s ROE, ROA, v thng hiu ca ABBANK lm
cho th gi c phiu ca ABBANK tng ln.

3.

Nhng chin lc, k hoch v chnh sch t Mc tiu 3

- Chin lc marketing v pht trin thng hiu
- K hoch u t c s h tng v pht trin mng li
- Mc tiu : Giai on 2011-2020, ABBANK nh hng tp trung pht trin mng li theo
hng tip tc cng c v khai thc cc th trng tim nng cc trung tm kinh t trng
im, cc vng ln cn v tip n l bao ph 63 tnh/thnh trn c nc nhm nhanh chng
gia tng th phn.
- K hoch v chnh sch :
ABBANK d kin mi nm thnh lp mi t 25 -30 im giao dch, vi tc tng trng
tng ti sn 20% (2011), 30% (2012-2015) v 23% (2016-2020). Vi k hoch trn, giai on
2011-2016 s phi thnh lp mi 165 im giao dch trn ton quc vi quy m tng ti
sn/im giao dch ln n 591 t ng vo nm ABBANK tin vo top 10, tc l tng 79% so
vi hin nay.
Kt hp v khai thc trit li th vi i tc chin lc EVN, VNPost t im giao dch
ti cc im thu tin in, qung b hnh nh ABBANK , cc sn phm dch v v tm hiu
nhu cu khch hng.

4.

Nhng chin lc, k hoch v chnh sch t Mc tiu 4

- Trong giai on 2011-2020, ABBANK cn chun b lc lng nhn s pht sinh mi mi
nm trung bnh 13% v t 5,100 ngi vo nm 2015; 7,600 ngi vo nm 2020, mc lng
bnh qun ca CBNV tng ln trung bnh 13%/nm, t 13,36 triu/thng/ngi vo nm 2015
v 25,28 triu/thng/ngi vo nm 2020.
thc hin chin lc pht trin ngun nhn lc ABBANK thc hin nhng k hoch tuyn
dng, o to v qun l cht xm hiu qu.
- Xy dng h thng qun l nhn s nng cao nng sut lao ng
- Xy dng mi trng lm vic chuyn nghip v thn thin

5.

Nhng chin lc, k hoch v chnh sch t Mc tiu 5

t c mc tiu s 5, ABBANK cn kt hp thc hin 2 m hnh: Trch Nhim X Hi
(CSR-Corporate Social Responsibility) v Quan HCng ng (PR -Public Relationship)
nhm xy dng mt chin lc cho ABBANK khng ch ti a ha li nhun m cn ng
gp cho cng ng v x hi.
-

i vi vic m bo li ch c ng, th hin qua cc ch tiu li nhun sau thu, ROE v

ROA. Li nhun sau thu ca ABBANK c t 1,979 t vo nm 2016 v 4,538 t vo
nm 2020 trong khi ROE v ROA c t 14,94% v 1,2% vo nm 2016, v 14,95% v
1,2% vo nm 2020. T nhng li nhun sau thu, c ng c tr c tc tng xng.
V quan h vi ngi lao ng, th hin qua mc lng, ph cp trung bnh ca tng nhn
vin. C th, lng trung bnh nhn vin mi thng s ln lt t 14,97 triu v 25,28
triu vo nm 2016 v nm 2020
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

Bng tm tt nhng ch tiu ti chnh di y cho ABBANK c trch t d bo ti chnh

ni trn.
n v: triu ng
Ch tiu

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

60.926 79.351 103.347 134.599

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%

8,95% 11,69% 14,5% 14.76% 14,77%

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