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: PHN TCH SWOT NGN HNG TMCP SI GN THNG TN- SACOMBANK

S W 1. 2. 3. 4. 5. 6. 7. Qui m ln, tim lc ti chnh mnh H thng phn phi rng Sn phm dch v a dng u th v dch v thanh ton quc t, kinh doanh ngoi hi v dch v th Cng ngh, cht lng dch v cao T l n xu thp Ngun nhn lc tr v di do

1. 2.

Qui m vn, kh nng qun l cn kh khim tn so vi yu cu hi nhp Cng ngh hin i cha c p dng ng b trn ton h thng

3. Cng tc marketing v sn phm dch v cha tht s hiu qu, cha to c im khc bit 4. O T 1. 2. 3. 4. Hi nhp lm tng uy tn v v th ca cc NH Vit Nam trn th trng th gii To iu kin m rng quan h hp tc, lin doanh, lin kt vi cc NH nc ngoi Hot ng xut nhp khu Vit Nam pht trin to c hi thu ht ngun vn mi Tim nng ca ngnh trong vng 5 nm ti vn mc cao C nh hng ng n u t cho hot ng dch v nhng hiu qu cha cao

1. 2. 3.

Cnh tranh th trng vi cc ngn hng nc ngoi Xu hng pht trin cc mng dch v phi tn dng nhm hng n ngun thu t ri ro hn T gi hi oi bin ng mnh

4.

Chnh sch tht cht tin t d bo s tip tc gy kh khn cho ngnh ngn hng I. im mnh (S- strengths)

1. Qui m ln, tim lc ti chnh mnh Vn iu l tng lm tng uy tn ca ngn hng i vi khch hng v gip ngn hng tng quy m, hot ng kinh doanh hiu qu, vn ch s hu ln to tnh an ton vn. + Nm 2010 vn iu l tng t 6.700 t ng ln 9.179 t ng, tng 37% so vi nm 2009; mc tng bnh qun giai on 2001- 2010 l 53,7%: t 190 t ng nm 2001 tng ln 9.179 t ng nm 2010, tng gp 48 ln (trong khi ton ngnh ch tng 15 ln) + Tng ti sn cui nm 2010 t 141.799 t ng, gp hn 45 ln so vi nm 2001 (3.134 t ng) vi mc tng bnh qun 54,7%/nm (ton ngnh ch tng 17 ln) + Giai on 2001- 2010 tc tng trng huy ng vn bnh qun l 54,4%/nm, tng nhanh gp hn 2 ln so vi tc tng trng ca ngnh l 24%/nm + Tc tng trng d n cho vay bnh qun ca Sacombank trong giai on 20012010 l 53,1%, gp gn 2 ln so vi tc tng trng bnh qun ca ngnh (27%/nm). ng thi, Sacombank lun kim sot cht lng tn dng hiu qu v c t l n xu thp nht trong nhm NHCP mc di 1%. Trong khi t l n xu ca h thng ngn hng Vit Nam tnh n cui nm 2010 vo khong 2.5%. Xt v phm vi hot ng, Sacombank vn lun n lc a dng ha m hnh hot ng ca mnh khng ch gii hn trong lnh vc ti chnh ngn hng m cn sang cc lnh vc ti chnh khc. Ngy 16/05/2008, Sacombank c iu kin chnh thc cng b thnh lp tp on ti chnh- ngn hng Sacombank. Tnh n cui nm 2010, tp on c 5 cng ti con bao gm: cng ty chng khon- SBS, cng ty cho thu ti chnh- SBL, cng ty kiu hi- SBR, cng ty qun l v khai thc ti sn- SBA, cng ty vng bc qu- SBJ cng 6 cng ti thnh vin hp tc chin lc: cng ti u t Si Gn Thng Tn-STI, cng ty xut nhp khu Tn nh- Tadimex, cng ti u t xy dng Ton Thnh Pht, cng ty a c Si Gn Thng TnSacomreal, cng ty lin doanh qun l qu u t chng khon Vit Nam- VFM v Trng i hc Yersin Lt, cng ty th Sacombank & ANZ. 2. H thng phn phi rng Tnh n cui nm 2010, Sacombank l ngn hng TMCP c mng li rng nht: ph kn min Ty, min ng Nam B- Ty Nguyn v min trung vi hn 380 im ti 45/63 tnh, thnh Vit Nam l li th trong vic pht trin dch v ngn hng bn l. - Trong nm 2010 pht trin thm 56 PGD (trong c 1 PGD ti Campuchia), tin hnh th tc chuyn i CN Phnmpnh thnh NH trc thuc vi 100% vn Sacombank. Tnh n 2010, Sacombank c quan h i l vi 10.339 i l ca 305 ngn hng ti 81 quc gia v vng lnh th trn th gii. - Nm 2010 Sacombank lp t thm 124 my ATM, nng tng s ln 657 my. Tng s th pht hnh trong nm khong 280 ngn th tng 94% so vi nm 2009, nng tng s ln 590 ngn th, tng 42% so vi cng k nm trc. Tng doanh s thanh ton qua th t 11.471 t ng, tng 73% so vi nm 2009. Hin nay h thng c online v kt ni thnh cng vi hai lin minh th ln nht Vit Nam hin nay l cng ty c phn chuyn mch ti chnh quc gia Vit Nam (Banknetvn) v cng ty c phn dch v th Smartlink, mang li nhiu tin ch hn cho khch hng.

3. Sn phm dch v a dng -Dch v Phone Banking Sacombank c chc nng truy vn thng tin, cc dch v mi thanh ton qua th gip tha mn nhu cu khch hng s dng th. - Ngoi ra Sacombank phi hp vi ngn hng ANZ pht hnh th va c th rt tin ti my t ng ATM, va c th dng ngay th thanh ton giao dch ti cc ca hng mua sm dch v ang l i l chp nhn thanh ton th cho hai ngn hng ny. -Sacombank l ngn hng u tin ti Vit Nam chnh thc gii thiu sn phm th tr trc quc t - Sacombank Lucky Gift Card - cung cp cho khch hng mt la chn c o v qu tng m ngi mua th c th n nh gi tr ca mn qu t 100.000 ng n 14.000.000 ng. Ngoi ra, ngi s dng c th thc hin cc giao dch nh rt tin ti my ATM, thanh ton qua internet v ti cc im chp nhn ca t chc th quc t Visa Vit Nam v nc ngoi ng thi, nhn c nhiu u i t Visa v cc im mua sm c lin kt vi Sacombank. -Sacombank c bit nng cao cht lng dch v th nhm m rng phm vi s dng v gia tng tin ch cho ch th Sacombank trong v ngoi nc. Theo , cc tnh nng ca th ghi n ni a PassportPlus v th Vin Thng A Club Card ca Sacombank c m rng t vic ch c th s dng rt tin mt ti my ATM ca Sacombank, nay ch th c th thc hin cc giao dch: thanh ton hng ha, tra cu s d, rt tin mt, sao k ti khon, chuyn khon ti th Sacombank. 4. u th v dch v thanh ton quc t, kinh doanh ngoi hi v dch v th -Thanh ton quc t khng phi l mt lnh vc kinh doanh i ngoi truyn thng nhng li l mt trong nhng dch v sinh li rt ln ca Sacombank. Trong nhng nm gn y, doanh s v thanh ton quc t ca Sacombank khng ngng tng ln. c bit, trong nm 2008 mc d phi i mt vi cuc khng hong ti chnh nhng Sacombank vn tng c doanh s ln 3728.57 triu USD (tng 22,32% so vi nm 2007), nm 2009 doanh s tng ln 4176 triu USD (tng 12% so vi nm 2008) Sacombank nhiu ln c trao gii thng trong lnh vc thanh ton quc t t cc ngn hng uy tn nh: Standard Chartered (ngn hng c cht lng cao trong nh dng lnh thanh ton v t l thanh ton quc t 2005), HSBC (ngn hng thc hin xut sc nghip v thanh ton quc t 2006), Wachovia (ngn hng c hot ng thanh ton quc t tt nht 2007). -Kinh doanh ngoi hi: Bng vic a dng ha, nhn rng cc sn phm giao ngay phc v nhu cu trao i, thanh ton ngoi t, vng; p ng kp thi cng c bo him ri ro t gi cho khch hng bng cc hp ng k hn, hp ng quyn chn cp cao v giao dch hon i. Sacombank c nh gi l mt trong nhng ngn hng c hot ng ngoi hi tng i tt, trong nhiu nm lin tip c Global Finance- tp ch ti chnh ngn hng ton cu ca M- trao tng gii thng ngn hng c hot ng ngoi hi tt nht Vit Nam. -Dch v th: Sacombank l mt trong nhng ngn hng c hot ng th pht trin mnh, s lng th tng lin tc v mnh qua cc nm, nm 2006 tng 44,39% so vi nm 2005; nm 2007 tng 55,11% so vi nm 2006, nm 2008 tng 44,28% so vi nm 2007, nm 2009 tng 8,5 % so vi nm 2008, nm 2010 tng ni bt 94% so vi nm 2009. Sacombank cng c bnh chn l mt trong 5 ngn hng c doanh s giao dch th VISA ln nht ti Vit Nam t 2005- 2009. Nm 2010, Sacombank c t chc th quc t VISA bnh chn l ngn hng n lc i u trong vic pht trin nhng dch v mi thanh

ton qua th VISA ti th trng Vit Nam. Sn phm th ca Sacombank vi nhiu chng loi cung cp cho ngi dng th nhiu tin ch v la chn nh: th ni a Passpor plus, th ni a SacomVisaDebit, th Ladiesfirst, th ParsonPrivilege trong th tn dng l mt li th ca Sacombank. 5. Cng ngh, cht lng dch v cao Sacombank l mt trong nhng ngn hng u tin trin khai h thng Ngn hng li T24, v trong nm 2009 nng cp t phin bn R5 ln R8 (hin ang c nhiu ngn hng trn th gii s dng), xy dng trung tm d liu (datar center-DC) hin i v trung tm dch v khch hng (Contact center-CC) phc v khch hng nhng sn phm tin ch nht. Trn c s phn mm hin i ny, Sacombank c nhng sng to, ci tin t ph v mt a dng ha sn phm, qun tr d liu ngn hng, qun tr ri ro, pht trin th trng. T nn tng trn, Sacombank v ang trin khai cc ng dng mi nhm nng cao nng lc cnh tranh v nng lc qun tr phc v ngn hng ngy mt tt hn, bao gm cc d n: Ngn hng in t (E- banking), khai thc d liu (Data Waterhouse), qun tr quan h khch hng (CRM), h thng thng tin qun tr (MIS), kinh doanh tin t (Treasury), Qun tr ri ro (Risk management), Qun tr ngun nhn lc (Human Resource Management) Vi c s h tng cng ngh thng tin hin i, vi nhng i tc cng ngh uy tn, cng i ng cn b IT cht lng cao v nhiu kinh nghim, Sacombank sn sang bt ph trong hnh trnh p dng cng ngh hin i vo cc lnh vc ngn hng bn l p ng nhu cu ti a ca khch hng c nhn cng nh doanh nghip. 6. T l n xu thp Trong giai on 2001-2010, mc d tc tng trng tn dng ca Sacombank lun mc cao v lun cao hn mc bnh qun ngnh. Nhng vi h thng kim sot tn dng hiu qu (thnh lp y ban qun l ti sn n- c) Sacombank lun duy tr t l n xu di 1%, mc bnh qun ngnh l 2,5%, to mc an ton vn cao. Cc ch tiu v an ton hot ng cui nm 2010 theo thng t 13 nh sau: - T l an ton vn (CAR ): 9,97% - T l ngun vn ngn hn cho vay trung di hn: 23,54% - T l cho vay/ tng ngun vn huy ng: 72,26% - T l n qu hn: 0,56% 7. Ngun nhn lc tr v di do Nh ta bit, cc ngun lc quan trng pht trin mt t chc l: vt lc, tn lc v nhn lc, trong nhn lc lun l ti sn qu bu nht i vi ngn hng. Do tnh c th ca sn phm ngn hng l v hnh, cht lng sn phm bao gm c cht lng phc v v ch yu l bn hng trc tip nn trnh nghip v v thi nhn vin phc v c nh hng quyt nh n doanh s bn hng v uy tn ca ngn hng. Sacombank c mt chin lc thu ht v o to ngun nhn lc cho mnh. Vi mc tiu nh hng cho cn b nhn vin pht trin s nghip vng bn, Sacombank xy dng mt mi trng lm vic thn thin v chuyn nghip, trong mi cn b nhn vin c to iu kin ti a ha gi tr v nng lc. Theo bo co thng nin nm 2009, trnh i

ng nhn vin ca Sacombank l: 1,9% trn i hc, 68,2% i hc, 20,4% cao ng, 9,5% l trnh khc. II. 1. im yu (W- weaknesses)

Qui m vn, kh nng qun l cn kh khim tn so vi yu cu hi nhp

Hi nhp ang t ra nhng p lc i hi ngn hng Vit Nam phi y mnh ci cch nhm t ti nhng chun mc, thng l quc t v hot ng tin t, ngn hng. Tuy nhin, ng trc nhng p lc ny, cc ngn hng Vit Nam bc l khng t im yu nh nng lc ti chnh km, mc ri ro cao v nng lc cnh tranh thp so vi ngn hng cc nc trong khu vc. Bn cnh , quy trnh qun tr trong cc t chc tn dng ni chung v ca cc NHTM ni ring cn cha ph hp vi cc nguyn tc v chun mc quc t; tnh minh bch thp, h thng thng tin iu hnh v qun l ri ro cha thc s hiu qu. 2. Cng ngh hin i cha c p dng ng b trn ton h thng Nng lc cng ngh c nh gi l mt th mnh ca Sacombank, tuy nhin vn cha c p dng mt cch ng b trn ton h thng. mt s chi nhnh vn cn s dng h thng Smartbank thay v h thng mi Corebanking, do thi gian giao dch vi khch hng cn chm, thng xuyn b rt mng. H thng my ATM, my POS khng hin i bng cc ngn hng khc nh ng hay ACB th my ATM cn c trang b chc nng thu tin do lm hn ch lng tin gi thanh ton vo ngn hng theo phng thc ny. 3. Cng tc marketing v sn phm dch v cha tht s hiu qu, cha to c im khc bit Mc d c nhiu n lc a dng ha sn phm dch v, l mt trong nhng n v tin phong trong vic ci tin cng ngh hin i, m rng mng li nhng doanh thu ch yu vn t hot ng tn dng, chng t cc sn phm cung ng th nhiu nhng Sacombank cha c cng tc marketing hiu qu thu ht khch hng s dng sn phm, dch v c tnh lin kt cha cao. iu ny cng lm hn ch v nng lc hot ng v lm cho ngn hng mt th phn. Cha to c im khc bit trong sn phm, s khc bit trong sn phm thng i km vi tha mn mt nhu cu xuyn sut ca khch hng, s to mt im nhn c bit i vi h, ng thi gip ngn hng to dng c hnh nh tt. 4. C nh hng ng n u t cho hot ng dch v nhng hiu qu cha cao Thi gian qua Sacombank a dng ha hot ng kinh doanh v hot ng theo hnh thc tp on, tuy nhin thu nhp chnh ca Sacombank vn t hot ng tn dng m tp trung ch yu vo tn dng c nhn giao ng quanh mc 79%, mt lnh vc c mc ri ro cao. Sn phm dch v ca Sacombank cng khng a dng bng mt s ngn hng khc, c bit l ngn hng nc ngoi. Trong hot ng ngoi hi, do cha d bo chnh xc din bin ca th trng ti chnh cng nh khng th lng ht din bin bt thng ca th trng ti chnh, dn n t gi ngoi t nim yt cha linh hot, t gi mua li ngoi t thng thp hn cc NHTM c phn trn a bn khin cho cc khch hng chuyn sang ngn hng khc m ti khon; cc nghip v phi sinh cha ng dng nhiu cc chi nhnh do kin thc v nghip v ny cn hn ch.

III.

C hi (O- opportunities)

1. Hi nhp lm tng uy tn v v th ca cc NHTM Vit Nam trn th trng th gii, trong Sacombank khng l ngoi l. Vic Vit Nam l thnh vin ca WTO to iu kin cho nn kinh t ni chung v ngnh ngn hng ni ring c nhng bc pht trin nhanh chng. Cc NHTM Vit Nam c nhiu c hi tng cng cc mi quan h vi cc NH nc ngoi to uy tn, xy dng thng hiu, m rng th trng kinh doanh n nhiu quc gia trn th gii. 2. M ca nn kinh t gip cc NHTM Vit Nam m rng quan h hp tc, lin doanh, lin kt vi cc NH nc ngoi, m chi nhnh nc ngoi. Hin Sacombank c 03 i tc chin lc nc ngoi uy tn ang nm gn 30% vn c phn, l: Dragon Financial Holdings thuc Anh Quc, International Financial Company (IFC) trc thuc World Bank, Tp on Ngn hng Australia v Newzealand (ANZ). Bn cnh vic hp tc hiu qu vi cc t chc kinh t trong nc nh Hong Anh Gia Lai, Trng Hi Auto, COMECO, Prudential Vit Nam, Lin minh Hp tc x Vit Nam, EVN, SJC, Bo Minh, Habubank, Military Bank... Sacombank cn hp tc vi Baruch Education Group Ltd BVI (BEG) i din ca City University of New York (CUNY)... V mi y nht, vo thng 9/2010 Standard Chartered hp tc vi Sacombank qun l tin mt nhm cung cp nhng dch v qun l tin mt cho cc khch hng trong nc v cc khch hng a quc gia ti Vit Nam. 3. Hot ng xut nhp khu Vit Nam pht trin mnh m, c hi cho vic thc y cc ngun vn mi. 4. V di hn ngnh ngn hng vn c d bo l ngnh c tim nng tng trng tt vi tc tng trng bnh qun n 16% trong vng 5 nm ti. Th trng ti chnh ngy cng pht trin ko theo l nhu cu s dng cc dch v ca ngn hng gia tng. Tuy nhin theo thc t cho thy, mc ngi dn s dng dch v ngn hng cn kh thp v ch yu l cc dch v c bn nh gi tit kim hay vay vn. Vi thc t nh vy, cc sn phm ngn hng hin i ang l mt th trng y tim nng nhng cha c pht trin, y chnh l c hi pht trin cho cc ngn hng. Theo nh gi ca B phn phn tch v t vn u t CTCP Chng khon Bo Vit, ngnh ngn hng vn cn nhiu tim nng tng trng c bit i vi mng cho vay doanh nghip va v nh v bn l. Nh vy, cho d tnh hnh v m u nm 2011 khng my ti sng i vi ngnh ngn hng, nhng vi chnh sch kim ch lm pht ca chnh ph th ha hn t qu 2/2011 tnh hnh th trng s n nh tr li v li sut s gim tng ng khi t l lm pht c kim ch. Nh vy, k vng vo s khi phc th trng s lm cho th trng tn dng khi phc v tng trng. IV. Thch thc (T- threats)

1. Cnh tranh th trng vi cc ngn hng nc ngoi M ca hi nhp kinh t quc t lm tng s lng cc ngn hng c tim lc mnh v ti chnh, cng ngh, trnh qun l. Cc ngn hng TMCP theo l trnh s dn dn c ni lng hot ng v i x bnh ng trong kinh doanh, khng th ch tp trung vo cc nghip v ngn hng truyn thng vi nhng khch hng truyn thng m phi hng vo pht

trin cc sn phm dch v mi tr thnh nhng ngn hng a nng, hin i. Vi vic gia nhp th trng ca cc ngn hng nc ngoi v tnh hnh th trng tn dng kh khn, p lc cnh tranh cc dch v ngn hng bn l tr nn gay gt hn. l thch thc ln i vi Sacombank trong vic gi vng v pht trin th phn. Nu khng mun b tt hu, cn c nhng bc pht trin sn phm hp l i km vi nhng dch v v tin ch tt, tng bc a dng ha i i vi nng cao cht lng sn phm. 2. Xu hng pht trin dch v ngn hng bn l tin ch v hin i, hng ti vic pht trin cc mng dch v phi tn dng nhm thu v cho ngn hng cc ngun li nhun t ri ro hn. y cng l xu hng chung ca ngnh ngn hng, mng hot ng huy ng vn v cho vay l nghip v truyn thng ca ngn hng vi ri ro tn dng cao. Khi pht trin mng hot ng dch v c th gim thiu ri ro ny xung, hn na hu nh ngn hng s khng tn chi ph. Chng hn nh khi ngn hng cung ng dch v chuyn tin cho khch hng ch cn cui ngy c th tnh ton c li nhun thu c t hot ng ny trong khi vay vn v cp tn dng th phi ch ti khi khch hng tr gc v li mi thu c li nhun. Xu hng t ra cho h thng ngn hng nhu cu phi ci tin cng ngh ng thi phi ng b ha cc qui trnh cung ng trn gi pht trin cc sn phm dch v a dng tht s tin li v hiu qu cho khch hng. 3. T gi hi oi bin ng mnh Do tnh hnh kinh t trong nc v th gii c nhng din bin bt thng nn t gi ca VND v cc ng tin khc lin tc thay i. Th trng ngoi t tin mt Vit Nam pht trin kh mnh. Th trng ngm tin mt ngoi t phc v cho b phn nhp khu lu qua ng bin gii cng vi nhu cu thch s dng ngoi t tin mt ca dn chng nn th trng ny rt si ng. 4. Chnh sch tht cht tin t d bo s tip tc gy kh khn cho ngnh ngn hng Nm 2011 l mt nm ha hn l mt nm y kh khn i vi hot ng ngn hng khi li sut lun mc cao mc d c nh nc khng ch. iu ny to ra p lc tr li v chi ph tng cao trong khi lng cho vay ang c xu hng gim, chnh ph li p dng chnh sch tht cht tn dng lm cho thu nhp t hot ng cho vay khng tng tng ng to ra ri ro trong hot ng huy ng vn ca ngn hng. Hin nay, vi mc tiu ca chnh sch tin t tht cht hn ch tc tng tng cu bng cch gim tc tng trng tn dng (gi mc di 20%), tng phng tin thanh ton, tht cht chi tiu cng tng bc gim sc p lm pht, duy tr n nh t gi, kim sot th trng ngoi t v th trng vng. i vi cc lnh vc phi sn xut, c bit l bt ng sn v chng khon, ch trng chung l gim tc v t trng vay vn tn dng. iu ny gy khng t kh khn cho cc ngn hng, k c Sacombank.

TI LIU THAM KHO Web: 1. 2. www.sacombank.com www.cafef.vn

3. 4. 5. 6. 7.

www.vneconomy.vn www.webtailieu.net www.vietstock.vn www.e-info.vn www.doanhnhanvietnam.org.vn

Ti liu: 1. Chin lc kinh doanh hiu qu, NXB tng hp Tp. HCM

2. Lun vn tt nghip i hc ca sinh vin kha trc ti nng cao nng lc cnh tranh ca ngn hng Sacombank 3. 4. Bo co thng nin qua cc nm ca ngn hng Sacombank Bo co kt qu kinh doanh 2010 v k hoch 2011 ca Sacombank

5. Bo co thc hin chin lc 2001-2010 v phng hng mc tiu nhim v giai on 2011-2015 ngn hng Sacombank