Eximbank BanCaoBachNiemYet

NGN HNG TMCP XUT NHP KHU VIT NAM
(Giy chng nhn KKD s 0301179079 (s c: 059023) do S K hoch v u t Tp. H Ch

Minh cp, ng k ln u ngy 23/07/1992, ng k thay i ln th 15 ngy 10/08/2009)
NIM YT C PHIU
TRN S GIAO DCH CHNG KHON TP. HCM
Tn c phiu:
C phiu Ngn hng C phn Xut Nhp Khu Vit Nam
Loi c phiu:
C phiu ph thng
Mnh gi:
10.000 ng/c phiu
Tng s lng nim yt: 876.226.900 c phiu

Tng gi tr nim yt:
8.762.269.000.000 ng (theo mnh gi).
T CHC KIM TON

CNG TY TNHH PRICEWATERHOUSECOOPERS
a ch: Lu 4, Ta nh Saigon Tower, 29 L Dun, Q.1, TP. H Ch Minh
T: (84.8) 3823 0796
Fax: (84.8) 3825 1974
T CHC T VN
CNG TY C PHN CHNG KHON RNG VIT (VDSC)
Tr s: Tng 3 4 5, Estar Building, S 147 - 149 V Vn Tn, Q. 3, TP. HCM
T: (84.8) 62992006
Fax: (84.8) 62992007
Email: vdsc@vdsc.com.vn Web: www.vdsc.com.vn
MC LC
I.
CC NHN T RI RO ............................................................................................ 3
1.
Ri ro v li sut...................................................................................................... 3
2.
Ri ro v tn dng .................................................................................................... 3
3.
Ri ro v ngoi hi ................................................................................................... 3
4.
Ri ro v thanh khon .............................................................................................. 4
5.
Ri ro t cc hot ng ngoi bng ........................................................................... 5
6.
Ri ro hot ng ...................................................................................................... 5
7.
Ri ro lut php ....................................................................................................... 5
8.
Ri ro khc ............................................................................................................. 6
II.
NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH ... 7
1.
T chc nim yt ..................................................................................................... 7
2.
T chc t vn ........................................................................................................ 7
III.
CC KHI NIM ...................................................................................................... 8
IV. TNH HNH V C IM CA T CHC NIM YT .............................................. 10

1.
Tm tt qu trnh hnh thnh v pht trin ................................................................ 10
2.
C cu t chc ca Ngn hng ............................................................................... 15
3.
M hnh t chc ca Ngn hng TMCP Xut Nhp khu Vit Nam ............................ 16
4.
Danh sch c ng nm gi t trn 5% vn c phn ca ngn hng; Danh sch c ng

sng lp v t l c phn nm gi; C cu c ng (tnh n ngy 28/09/2009) .......... 18
5.
Danh sch nhng cng ty m v cng ty con ca Ngn hng, nhng cng ty m Ngn
hng ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn
kim sot hoc c phn chi phi i vi Ngn hng: ................................................. 19
6.
Hot ng kinh doanh ............................................................................................ 19
7.
Bo co kt qu kinh doanh nm 2007, 2008 v 06 thng u nm 2009 ................... 47
8.
V th ca Ngn hng so vi cc ngn hng cng ngnh........................................... 52
9.
Chnh sch i vi ngi lao ng .......................................................................... 61
10.
Chnh sch c tc.................................................................................................. 63
11.
Tnh hnh ti chnh ................................................................................................. 64
12.
Hi ng qun tr, Ban kim sot, Ban Tng gim c, K ton trng ....................... 65
13.
Ti sn ................................................................................................................. 96
BN CO BCH

14.
K hoch li nhun v c tc .................................................................................. 99
15.
nh gi ca t chc t vn v k hoch li nhun v c tc .................................. 101
16.
Thng tin v nhng cam kt nhng cha thc hin ca Ngn hng ......................... 104
17.
Cc thng tin, cc tranh chp kin tng lin quan ti Ngn hng m c th nh hng
n gi c c phiu nim yt ................................................................................ 104
V.
C PHIU NIM YT ........................................................................................... 105
1.
Loi c phiu
2.
Mnh gi
3.
Tng s c phiu nim yt : 876.226.900 c phiu................................................. 105
4.
S lng c phiu b hn ch chuyn nhng theo qui nh ca php lut hoc ca t
: c phiu ph thng ..................................................................... 105
: 10.000 ng/c phn ....................................................................... 105
chc nim yt...................................................................................................... 105

5.
Phng php tnh gi ........................................................................................... 106
6.
Gii hn v t l nm gi i vi ngi nc ngoi ................................................. 108
7.
Cc loi thu c lin quan .................................................................................... 108
VI. CC I TC LIN QUAN N VIC NIM YT................................................... 111

VII. PH LC............................................................................................................. 112
BN CO BCH
I.
CC NHN T RI RO
1. Ri ro v li sut
Ri ro li sut pht sinh khi c s chnh lch v k hn ti nh gi gia ti sn n v ti sn c

ca ngn hng do cc bin ng ca li sut th trng, gy nh hng trc tip n thu nhp
ca mt ngn hng.
hn ch ri ro, Eximbank lun quan tm cht ch n vic iu hnh li sut theo hng
ch ng v linh hot: li sut cho vay, li sut huy ng i vi tng loi hnh sn phm,
dch v trong tng thi k, thu hp chnh lch k hn bnh qun gia ti sn c v ti sn n,
thi im v cc a bn khc nhau trn c s m bo tnh hiu qu cao nht. c bit i vi
cc khon vay trung v di hn, vn l sn phm thng gp ri ro nhiu v li sut, Eximbank
p dng chnh sch li sut th ni linh hot theo li sut th trng trong tng thi k, t
gim thiu ri ro v li sut.
Hot ng ca y ban Qun l Ti sn n - Ti sn c (ALCO) trong mi quan h tng tc vi
cc phng ban chc nng khc trong m hnh qun tr ri ro hng n vic tip cn cc thng
l quc t cng gip nng cao hiu qu qun tr ri ro li sut ca Eximbank.
2. Ri ro v tn dng
Ri ro tn dng l loi ri ro dn n tn tht ti sn trong trng hp khch hng vay vn/c
cp tn dng khng c kh nng thc hin mt phn hoc ton b nhng cam kt nu ti Hp
ng tn dng k vi Ngn hng. Ri ro ny bao gm c ri ro thanh ton khi mt bn th ba
(bn bo lnh) khng thc hin cc ngha v ca mnh i vi ngn hng.
qun l ri ro trong hot ng tn dng, Eximbank thc hin cc bin php sau:
Thc hin chnh sch phn tn ri ro theo ngnh, khng tp trung vn vo mt hoc vi
ngnh kinh t m tri u trn nhiu ngnh t sn xut n thng mi, dch v, tiu
dng c nhn.
Qui nh c th hn mc tn dng i vi tng chi nhnh, ng thi ban hnh y cc
qui nh hng dn chi tit qu trnh cp tn dng v qun l sau cho vay.
Ch ng trch lp Qu d phng ri ro theo qui nh ca php lut nhm m bo an
ton cho hot ng tn dng ca ngn hng. Thng xuyn kim tra trc, trong v sau
khi cho vay.
3. Ri ro v ngoi hi
Ri ro v ngoi hi pht sinh khi c s chnh lch v k hn, v loi tin t ca cc khon ngoi hi
nm gi, qua c th lm cho ngn hng phi gnh chu thua l khi t gi ngoi hi bin ng.
gim thiu ri ro ngoi hi, Eximbank tun th cc bin php m bo an ton nh sau:
BN CO BCH

Lun duy tr mt t l cn xng gia ti sn n v ti sn c ngoi t, duy tr trng thi
ngoi hi rng mc hp l;
C chnh sch o to i ng cn b c chuyn mn cao, c kh nng phn tch v d
bo tnh hnh bin ng t gi ca cc loi ng tin, v ra quyt nh mua, bn cc hp
ng ngoi t ng n.
S dng cc cng c ti chnh c kh nng phng nga ri ro nh hp ng forwards,
futures, swap hay option trong hot ng kinh doanh ngoi hi.
Hot ng ngoi hi ca Eximbank ch yu nhm phc v thanh ton quc t cho cc khch
hng doanh nghip v hot ng mua bn ngoi t trn th trng quc t. Qun l ri ro ngoi
hi tp trung vo qun l trng thi ngoi hi rng v cc trng thi kinh doanh vng (khng
c dng hoc m qu 30% vn t c ca ngn hng), tun th ng cc quy nh hin
hnh ca NHNN.
4. Ri ro v thanh khon
Ri ro v thanh khon l kh nng ngn hng khng th p ng cc nhu cu rt tin thng xuyn
hoc t xut ca ngi gi tin cng nh khng chi tr c kp thi cc ngha v ti chnh khc.
Ri ro thanh khon bt ngun t s khng ph hp v quy m v k hn gia cc ti sn n v ti
sn c ca ngn hng ti thi im hin ti hay trong tng lai. Ngoi ra, yu t tm l, nim tin ca
khch hng cng l mt nhn t quan trng c th gy nn ri ro thanh khon. Do vy, ri ro thanh
khon lun hin hu thng trc trong hot ng kinh doanh ngn hng.
hn ch ri ro thanh khon, Eximbank thc hin cc bin php sau:
Tun th nghim ngt cc quy nh ca NHNN v t l an ton vn v thanh khon
trong hot ng ngn hng.
Cn c vo c s d liu qu kh v nh hng hot ng tnh ton chnh xc nhu
cu thanh ton tng thi im nhm m bo d tr hp l, ng thi hn ch lng
ph vn nh hng n li nhun hot ng;
Xy dng danh mc u t hp l vi t trng u t vo cc loi chng khon, giy t
c gi, cc loi ti sn c kh nng chuyn i nhanh sang tin mt vi chi ph thp;
Tng cng hiu qu qun l ti sn, thc hin c ch iu hnh cng khai, minh bch, d
bo kp thi nhu cu rt tin ca khch hng trong tng thi k, xy dng chnh sch to
lng tin i vi ngi gi tin c th ch ng thu xp ngun vn chi tr theo yu cu.
Qun l ri ro thanh khon ti Eximbank c thc hin trong mt k hoch tng th v
qun l ri ro thanh khon v ng ph vi cc s c ri ro thanh ton.
BN CO BCH

5. Ri ro t cc hot ng ngoi bng
y l loi ri ro ch yu xut pht t cc hot ng cam kt cho vay, cam kt bo lnh cho
khch hng v khi khch hng khng thc hin c ngha v ti chnh th Eximbank phi thc
hin ngha v thanh ton thay.
Cc hot ng ngoi bng ca Eximbank ch yu bao gm cc khon cam kt cho vay v cc
hnh thc bo lnh. T trng cc cam kt giao dch ngoi hi nh cam kt mua/bn ngoi t c
k hn (forward) v quyn chn mua/bn ngoi t c t l rt nh. Eximbank thc hin chnh
sch bo lnh thn trng, phn ln cc khon bo lnh u c ti sn th chp.
6. Ri ro hot ng
Ri ro hot ng xut pht t nhng bin c xy ra t chnh bn thn Ngn hng trong qu
trnh iu hnh hot ng nh: sai st t vic p dng quy trnh nghip v, h thng cng ngh
thng tin b li, tc ng ca con ngi
phng chng ri ro ny, Eximbank trin khai tch hp cc bin php qun l ri ro hng
ngy t cc phng ban, c nhn, chun ha ton b cc quy trnh nghip v v cc quy trnh
trong qun l bao gm: tuyn dng, o to, nh gi ni b, thit k v pht trin sn phm,
qun l ti sn khch hng ng thi h thng cng ngh thng tin ca ngn hng thng
xuyn c ci tin nng cao tnh n nh, an ton v bo mt.
Vic qun l ri ro hot ng ca Eximbank cn c kim tra v gim st bi h thng kim
tra, kim ton ni b ca ngn hng. H thng kim tra, kim ton ni b thung xuyn nh
gi tnh y , ph hp ca quy trnh, quy ch hot ng nghip v v tnh tun th; cnh bo
ri ro ca cc b phn nghip v i vi quy trnh, quy ch ny. Thng qua h thng kim tra,
kim sot, kim ton ni b ny, Eximbank c th pht hin ra nhng sai st, l hng trong qu
trnh tc nghip a ra cc cnh bo v gii php khc phc ph hp
Bo co kim tra, kim ton ni b uc gi ti Ban iu hnh, Ban kim sot v Hi ng
qun tr.
7. Ri ro lut php
Ri ro lut php l ri ro pht sinh do vic khng p dng kp thi, khng ng cc vn bn
php lut i vi hot ng ngn hng.
Eximbank l doanh nghip hot ng trong lnh vc ti chnh, tin t, do bn cnh nhng
quy nh chung ca php lut v doanh nghip, hot ng ca Eximbank cn chu s iu
chnh bi cc quy nh ca Ngn hng Nh nc.
hn ch nhng ri ro lut php pht sinh trong qu trnh hot ng, Eximbank thc hin cc
bin php sau:
BN CO BCH

C th ha cc quy nh ca php lut thng qua vic ban hnh cc quy ch, quy nh
v quy trnh nhm iu chnh v hng dn cc hot ng ca Eximbank m bo tun
th php lut.
Eximbank lun ch ng trong vic nm bt v cp nht cc quy nh ca php lut,
thng xuyn t chc cc t tp hun ph bin v hng dn cc vn bn, chnh
sch mi ca Nh nc v ca Ngn hng cho ton h thng Eximbank.
Tng cng vai tr ca b phn php ch v kim sot ni b trong vic h tr v php
l v kim tra kim sot vic tun th php lut trong ton h thng Eximbank.
8. Ri ro khc
Ri ro khc lin quan n cc trng hp bt kh khng nh: thin tai, lt li, chy, n Ti
Eximbank, trn ton h thng t Hi s n cc chi nhnh, phng giao dch v cng ty trc
thuc, tt c ti sn bao gm nh v thit b lm vic (h thng my tnh, cc thit b vn
phng,) u c mua bo him chng ri ro chy n. Ngoi ra, do c trng ca hot ng
ngn hng, tin v cc ti sn gi h ca khch hng trong kho v tin vn chuyn trn ng
i u c mua bo him y .
BN CO BCH

II. NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH
1. T chc nim yt
NGN HNG THNG MI C PHN XUT NHP KHU VIT NAM
ng Nguyn Thnh Long
- Chc v : Ch tch HQT
ng Trnh Cng L
- Chc v : Trng Ban kim sot
ng Trng Vn Phc
- Chc v : Tng Gim c
ng Nguyn H Hong V
- Chc v : K ton trng
Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l ph hp vi thc t

m chng ti c bit, hoc iu tra, thu thp mt cch hp l.
2. T chc t vn
CNG TY C PHN CHNG KHON RNG VIT
i din theo y quyn : ng Nguyn Min Tun
- Chc v : Tng Gim c
(Theo Giy y quyn s 01/2006/GUQ ngy 19/12/2006 ca ng Nguyn Thnh Long, Ch tch
Hi ng qun tr, ngi i din theo php lut ca Cng ty c phn chng khon Rng Vit).
Bn co bch ny l mt phn ca H s ng k nim yt do Cng ty c phn chng khon
Rng Vit tham gia lp trn c s Hp ng t vn vi Ngn hng thng mi c phn Xut
nhp khu Vit Nam. Chng ti m bo rng vic phn tch, nh gi v la chn ngn t trn
Bn co bch ny c thc hin mt cch hp l v cn trng da trn c s cc thng tin
v s liu do Ngn hng thng mi c phn Xut nhp khu Vit Nam cung cp.
BN CO BCH

III. CC KHI NIM
Trong Bn co bch ny, cc t ng di y c hiu nh sau:
Bn co bch
Bn cng b thng tin ca Ngn hng thng mi c phn Xut Nhp

khu Vit Nam v tnh hnh ti chnh, hot ng kinh doanh nhm cung
cp thng tin cho cng chng u t nh gi v a ra cc quyt nh
u t chng khon.
Ngn hng
Ngn hng thng mi c phn Xut Nhp khu Vit Nam.
C phn
Vn iu l c chia thnh nhiu phn bng nhau.
C ng
T chc hoc c nhn s hu mt hoc mt s c phn ca EIB.
C phiu
Chng ch do EIB pht hnh xc nhn quyn s hu mt hoc mt s c

phn ca EIB. C phiu ca EIB c th ghi tn v khng ghi tn theo quy
nh ca iu l v qui nh php lut lin quan.
C tc
S tin hng nm c trch t li nhun sau thu ca EIB chia cho c ng.
iu l
iu l ca EIB c i hi ng c ng ca Ngn hng thng qua

v c Ngn hng Nh nc Vit Nam ph chun.
Vn iu l
S vn do tt c c ng ng gp v c ghi vo iu l ca EIB hoc

giy chng nhn ng k kinh doanh.
Nm ti chnh
nm mi hai thng tnh t 00 gi ngy 01 thng 01 n 24 gi ngy 31

thng 12 nm dng lch hng nm.
Ngi lin quan
C nhn hoc t chc c quan h vi nhau trong cc trng hp sau y:

Cha, cha nui, m, m nui, v, chng, con, con nui, anh, ch em
rut ca c nhn;
T chc m trong c c nhn l nhn vin, Gim c hoc Tng
gim c, ch s hu trn mi phn trm s c phiu lu hnh c
quyn biu quyt;
Thnh vin Hi ng qun tr, Ban kim sot, Gim c hoc Tng
gim c, Ph Gim c hoc Ph Tng gim c v cc chc danh
qun l khc ca t chc ;
Ngi m trong mi quan h vi ngi khc trc tip, gin tip kim
sot hoc b kim sot bi ngi hoc cng vi ngi chu
chung mt s kim sot;
Cng ty m, cng ty con.
Quan h hp ng trong mt ngi l i din cho ngi kia.
BN CO BCH

Cc t hoc nhm t vit tt trong Bn co bch ny c ni dung nh sau:
EIB, Eximbank
Ngn hng thng mi c phn Xut Nhp khu Vit Nam
HC
i hi ng c ng ca EIB
HQT
Hi ng qun tr ca EIB
BKS
Ban kim sot ca EIB
BTG
Ban Tng gim c
HTD
Hi ng tn dng
ALCO
y ban Qun l Ti sn n - Ti sn c
CBCNV
Cn b cng nhn vin
NHNN
Ngn hng Nh nc Vit Nam
NHTM
Ngn hng thng mi
NHTMCP
Ngn hng thng mi c phn
TCTD
T chc tn dng
CTCP
Cng ty C phn
VDSC
Cng ty c phn chng khon Rng Vit
SMBC
Sumitomo Mitsui Banking Corporation
VT
n v tnh
USD
n v tin t ca Hoa K, ng la M
VND
n v tin t ca Vit Nam, ng Vit Nam
c tnh
D phng
BN CO BCH
IV. TNH HNH V C IM CA T CHC NIM YT

1. Tm tt qu trnh hnh thnh v pht trin
1.1
Gii thiu v Ngn hng
Tn Ngn hng
: Ngn hng thng mi c phn Xut Nhp khu Vit Nam
Tn ting Anh
: Vietnam Export Import Commercial Joint Stock Bank
Tn vit tt
: Eximbank/EIB
Logo Ngn hng:
Vn iu l
: 8.800.080.000.000 ng
Tr s chnh
: 07 L Th Hng Gm, Qun 1, TP. H Ch Minh
in thoi
: (84.8) 38210055
Website
: www.eximbank.com.vn
Giy chng nhn ng k kinh doanh v ng k thu: S 0301179079 (S KKD c:
- Fax: (84.8) 38296063
059023) do S K hoch v u t Tp. H Ch Minh cp, ng k ln u ngy

23/07/1992, ng k thay i ln th 15 ngy 10/08/2009.
-
Ngnh ngh kinh doanh: Huy ng vn, tip nhn vn, cho vay, hn vn lin doanh, lm
dch v thanh ton, kinh doanh ngoi t vng bc, thanh ton quc t, huy ng vn
nc ngoi v cc dch v ngn hng khc trong quan h vi nc ngoi. Hot ng
bao thanh ton. i l bo him./.
1.2
Lch s hnh thnh v pht trin
Ngn hng thng mi c phn Xut nhp khu Vit Nam l NHTMCP u tin ca Vit
Nam, c thnh lp vo ngy 24/05/1989 theo quyt nh s 140/CT ca Ch tch Hi
ng B trng vi tn gi ban u l Ngn hng Xut nhp khu Vit Nam (Vietnam
Export Import Bank).
Eximbank chnh thc i vo hot ng t ngy 17/01/1990 v nhn c giy php hot
ng s 11/NH-GP k ngy 06/04/1992 ca Thng c Ngn hng Nh nc Vit Nam cho
php Ngn hng hot ng trong thi hn 50 nm vi s vn iu l ng k l 50 t VN
tng ng 12,5 triu USD v c tn mi l Ngn hng thng mi c phn Xut nhp
khu Vit Nam (Vietnam Export Import Commercial Joint Stock Bank), gi tt l Vietnam
Eximbank.
BN CO BCH
10

Sau 19 nm hot ng v pht trin, hin nay vn iu l ca Eximbank l
8.800.080.000.000 ng (Tm nghn tm trm t khng trm tm mi triu ng), tng
ng vi 880.008.000 c phn (mnh gi 10.000 ng/c phn).
Biu 1: Vn iu l Eximbank giai on 2004 - 2009
8,800
7.220
2.800
1.212
700
500
2004
2005
2006
2007
2008
31/07/2009
Eximbank hin c mng li bao ph rng khp c nc vi Hi s chnh ti Tp. H Ch Minh,

01 S giao dch, 34 Chi nhnh v 86 Phng giao dch vi i ng nhn s ln n 3.227 ngi
(n thi im 30/06/2009). c bit trn bnh din quc t, ti nay Eximbank thit lp c
mt mng li rng ln vi 720 ngn hng i l 65 quc gia trn th gii.
Biu 2: H thng mng li n 30/06/2009
111
121
66
13
2004
15
2005
24
2006
2007
2008
30/06/09
Trong qu trnh hn 19 nm hot ng, Eximbank lun nm trong nhm cc NHTMCP c

quy m ln v t c nhiu thnh tu quan trng:
Nm 1991 v 1992:
-
c Ngn hng Nh nc v B Ti chnh tn nhim giao thc hin mt phn chng

trnh ti tr khng hon li ca Thy in dnh cho cc doanh nghip Vit Nam c nhu
cu nhp khu.
BN CO BCH
11

Nm 1993:
-
c chn thc hin chng trnh vin tr ca Chnh ph Thy S v bn thn

Eximbank cng nhn c mt phn vin tr t chng trnh ny.
Tham gia h thng thanh ton in t ca Ngn hng Nh nc (NHNN).
Nm 1995:
-
Tham
gia
thng
SWIFT
(Society
for
Worldwide
Interbank
Financial
Telecommunication H thng vin thng ti chnh lin ngn hng ton cu).
-
Tr thnh thnh vin Hip hi cc nh ch ti tr pht trin Chu Thi Bnh Dng.
c chn l mt trong su ngn hng Vit Nam tham gia D n hin i ho ngn
hng do NHNN t chc vi s ti tr ca Ngn hng th gii - World Bank.
Nm 1997:
-
c chp nhn l thnh vin chnh thc ca T chc th MasterCard.
Nm 1998:
-
c Chase Manhattan Bank New York tng gii thng 1998 Best Services Quality Award.
c chp nhn l thnh vin chnh thc ca T chc th Visa.
Sau khng hong ti chnh chu nm 1997 - 2000, Eximbank gp mt s kh khn.

Tuy nhin sau khi thc hin chn chnh cng c, Eximbank t c nhiu thnh qu rt
tch cc.
Nm 2003:
-
Trin khai h thng thanh ton ni hng trc tuyn ton h thng.
Nm 2005:
-
Kt ni thnh cng hai h thng thanh ton th ni a Vietcombank-Eximbank.
Thng 6/2005, l ngn hng duy nht c chn lm i din cho khi NHTMCP vinh
d c Thng c NHNN Vit Nam trao tng bng khen v phn thng v c thnh
tch xut sc trong cng tc u thu tri phiu chnh ph ti NHNN.
Thng 9/2005, nhn cp vng Top 10 sn phm uy tn cht lng cho sn phm h tr
du hc trn gi do Cc s hu tr tu v Hi s hu tr tu cng nghip Vit Nam, Trung
tm Cng ngh thng tin & T vn qun l QVN cng Bo in t Saigon News hp tc
t chc.
Thng 11/2005, Eximbank l ngn hng u tin ti Vit Nam pht hnh th ghi n quc
t Visa Debit.
BN CO BCH
12

Nm 2006:
-
c nhn bng khen do ngn hng Standard Chartered Bank trao tng v cht lng
dch v in thanh ton quc t (cht lng dch v tt nht trong lnh vc thanh ton
quc t qua mng thanh ton vin thng lin ngn hng).
c nhn gii Cp vng Thng hiu Vit trong cuc bnh chn CP VNG TOPTEN
THNG HIU VIT (ln th 2) do Mng Thng Hiu Vit kt hp cng Hi s hu
cng nghip Vit Nam hp tc t chc.
Thng 04/2006, EIB ot gii thng Thng hiu mnh Vit Nam 2005 do c gi
ca Thi Bo Kinh t Vit Nam bnh chn.
Nm 2007:
-
c nhn bng khen do ngn hng Standard Chartered Bank trao tng v cht lng
dch v in thanh ton quc t (cht lng dch v tt nht trong lnh vc thanh ton
quc t qua mng thanh ton vin thng lin ngn hng).
ot gii thng Thng Hiu Mnh Vit Nam 2007 do c gi ca Thi Bo Kinh T
Vit Nam bnh chn. Qui trnh nh gi v la chn c Thi Bo Kinh T Vit Nam
phi hp cng Cc xc tin Thng Mi t chc.
Nhn c bng chng nhn do ngn hng HSBC trao tng v cht lng dch v in
thanh ton quc t (cht lng dch v tt nht trong lnh vc thanh ton quc t qua
mng thanh ton vin thng lin ngn hng).
Chnh thc tr thnh thnh vin ca t chc IFC (Cng ty ti chnh Quc t ton cu)
c Ban t chc Hip hi chng hng gi v Bo v thng hiu Vit Nam trao tng
danh hiu Thng Hiu Vng.
t gii Top Trade Servicer do Bo Thng Mi trao tng v nhng thnh tu t

c trong qu trnh hot ng.
Chnh thc k kt hp tc chin lc vi 17 i tc trong nc v cc i tc u t

nc ngoi, trong c bit l k kt tha thun hp tc chin lc vi tp on ngn
hng Sumitomo Mitsui Banking Corporation ca Nht.
Nm 2008:
-
c nhn danh hiu Dch v c hi lng nht nm 2008 do bo Si Gn Tip Th

t chc bnh chn ly kin ca hng nghn ngi tiu dng trn c nc.
c Wachovia Bank N.A New York trao tng bng khen v Thanh ton Quc T Xut Sc.
y l gii thng nhm ghi nhn v nh gi cao qu trnh x l nghip v thanh ton t
ng nhanh chng, chun xc v chuyn nghip trong dch v in thanh ton quc t.
Ngn hng vinh d nhn c danh hiu Ngn hng tt nht Vit Nam do Tp ch The
Banker trao tng.
BN CO BCH
13

-
Eximbank chnh thc trao chng nhn 15% c phn tr gi 225 triu USD cho tp on
kinh t SMBC. Theo , Ngn hng v SMBC s h tr, hp tc trong vic pht trin
dch v ngn hng bn l, tng cng h tr cc doanh nghip Nht Bn ang hot
ng ti Vit Nam, hp tc v ti tr thng mi, chia s kinh nghim v qun tr doanh
nghip, bao gm qun tr ri ro theo cc chun mc quc t.
Phi hp vi Cng ty Vng Bc Qu Si Gn (SJC) chnh thc khai trng sn giao

dch vng SJC Eximbank, ng thi tng vn iu l ln 7.220 t ng, tr thnh mt
trong nhng ngn hng thng mi c phn c vn iu l ln nht Vit Nam.
Nm 2009:
-
Eximbank chnh thc tng vn iu l ln 8.800.080.000.000 ng, tr thnh NHTMCP thuc

nhm cc NHTMCP ngoi quc doanh c vn iu l ln nht hin nay ti Vit Nam.
BN CO BCH
14

2. C cu t chc ca Ngn hng
Theo nh hng chin lc, Eximbank tng bc trin khai thc hin vic chun b cc iu kin
hnh thnh Tp on ti chnh a nng Eximbank theo m hnh t chc v qun tr ph hp vi
thng l quc t. D kin Tp on ti chnh a nng Eximbank s c hot ng theo m hnh sau:
M HNH HOT NG
TP ON TI CHNH EXIMBANK
HOT NG
NGN HNG THNG MI
& DCH V TI CHNH
NGN HNG
BN BUN
HOT NG
NGN HNG U T
& DCH V NH U T
THANH TON;
NGN QU
KINH DOANH VN
NGN HNG
BN L
TI CHNH TN
& TIN T
U T
TI CHNH
HOT NG
PHI TI CHNH
O TO
HOT NG
(HC VIN/TRNG)
KHC
U T; MUA BN,
SP NHP DN; LIN
DOANH, LIN KT
CHO THU
BT NG SN;
TI CHNH
H TNG
DNG TIU DNG
BO HIM
KINH DOANH TH
NGN HNG
NH IN T
(InBanking,
MobilBanking,)
QUN L N & KHAI
(NHN TH, PHI NHN

TH, TI BO HIM)
THC TI SN
KINH DOANH
CHNG KHON
VNG
QUN L QU,
KIU HI;
Y THC U T
CHUYN TIN
T VN, BO LNH
PHT HNH; CNG C
PHI SINH
Trong tp on Ti chnh a nng Eximbank, hot ng NHTM s l hot ng ct li ca tp

on.
BN CO BCH
15

3. M hnh t chc ca Ngn hng TMCP Xut Nhp khu Vit Nam
I HI NG C NG
BAN
KIM SOT
HI NG QUN TR
CC HI NG/
Y BAN
VN PHNG
HQT
TNG GIM C
CC HI NG/Y BAN/
PHNG BAN/TRUNG TM
KHI KH
DOANH NGHIP
KHI KH
C NHN
KHI NGN QUU T TI CHNH
KHI
PHT TRIN
KINH DOANH
KHI
CNTT
KHI NGUN
NHN LC
KHI GIM ST
HOT NG
KHI
VN PHNG
P. TN DNG
DOANH NGHIP
P. TN DNG
C NHN
P. KINH DOANH
TIN T
P. QUAN H
QUC T
TT Q/L D LIU
HTCS, B/MT
P. QUN L
NHN S
P. PHP CH
TUN TH
P. HNH CHNH
QUN TR
P. KHCH HNG
DOANH NGHIP
P. KHCH HNG
C NHN
P. NGN QU
P. NGHIN CU
PHT TRIN
TT P/TRIN BO
TR SP, DV CNTT
P. PT NGUN
NHN LC
P. X L N
P. QUN L
XY DNG
P. THANH TON
QUC T
P. QUN L TH
P. KINH DOANH
VNG
P. THM NH
GI
TT N/CU D
N SP, DV CNTT
TT O TO
P.QUN L
RI RO
P. U T TI CHNH
P. TIP TH
P. M RNG & P/
TRIN MNG LI
P. KIM TRA
KS NI B
P. IU HNH
TSC - TSN
P. K TON
S GIAO DCH / CHI NHNH
PHNG / IM GIAO DCH
BN CO BCH
16

3.1
i hi ng c ng: l c quan c thm quyn cao nht ca Ngn hng bao gm tt

c cc c ng c tn trong danh sch ng k c ng.
3.2
Hi ng qun tr: l c quan qun tr Ngn hng, c ton quyn nhn danh Ngn
hng quyt nh cc vn lin quan n mc ch, quyn li ca Ngn hng, tr
nhng vn thuc thm quyn ca i hi ng c ng.
Hi ng qun tr theo iu l Eximbank t nht 03 ngi v nhiu nht 11 thnh vin.
Nhim k ca Hi ng qun tr l 05 nm v c th c bu li. Hin nay, Hi ng
qun tr gm 11 thnh vin.
3.3
Ban kim sot: Ban Kim sot do i hi ng C ng bu ra, l t chc thay mt c

ng kim sot mi hot ng kinh doanh, qun tr v iu hnh ca Ngn hng.
Hin nay, Ban kim sot gm 3 thnh vin.
3.4
Tng Gim c: Tng Gim c l ngi chu trch nhim trc Hi ng qun tr,
trc php lut v vic iu hnh hot ng hng ngy ca Ngn hng. Nhim k ca
Tng Gim c l 05 nm v c th c b nhim li. Gip vic cho Tng Gim c
c cc Ph Tng Gim c.
3.5
Cc b phn nghip v: trn c s cc chc nng nhim v c quy nh ti Quy ch t

chc iu hnh, Eximbank c 08 khi v 25 phng ban nghip v/trung tm chu s qun
l trc tip ca Tng gim c. Mi khi v phng nghip v c y quyn mt s cng
vic chc nng c th, to nn mt b my hot ng thng sut trong ton h thng
ngn hng.
3.6
Cc chi nhnh v phng giao dch: Eximbank c a bn hot ng rng khp c nc

vi tr s chnh t ti TP. H Ch Minh v 120 Chi nhnh, phng giao dch c t
ti H Ni, Vinh, Hi Phng, Qung Ninh, Nng, Qung Ngi, Nha Trang, Cn Th,
Lm ng, c Lc, ng Nai, Bnh Dng, TP.HCM, B Ra Vng Tu, Tin Giang
v An Giang. Cc chi nhnh l n v ph thuc ngn hng hot ng theo phn cp,
y quyn ca Tng Gim c ph hp vi iu l v qui nh ca php lut. Mi chi
nhnh c bng cn i ti khon ring, phi t cn i thu nhp, chi ph v c li ni
b sau khi tnh cc khon chi ph v li iu ha vn. Di chi nhnh l cc phng
giao dch. Phng giao dch l n v hch ton bo s v c con du ring, c php
thc hin mt phn cc ni dung hot ng ca Chi nhnh theo s y quyn ca
Gim c chi nhnh.
BN CO BCH
17

4. Danh sch c ng nm gi t trn 5% vn c phn ca ngn hng; Danh sch c ng
sng lp v t l c phn nm gi; C cu c ng (tnh n ngy 28/09/2009)
4.1 Danh sch c ng nm gi t trn 5% vn c phn
Danh sch c ng nm gi trn 5% vn c phn ti thi im 28/09/2009
Bng 1: Danh sch c ng nm gi trn 5% vn c phn ti thi im 28/09/2009
(Tnh trn s lng c phn c UBCKNN chp thun cho ng k lu k ln u
876.226.900 c phn)
Stt
1
2
S c phiu
Tn c ng
a ch
hng
198 Trn Quang Khi, Hon Kim,
Ngn
TMCP
Ngoi thng Vit Nam
H Ni
Sumitomo
1-2 Yurakucho 1-Chome, Chiyoda-
Mitsui
Banking Corporation
VOF
Investment
Limited
Ku, Tokyo 100-0006, Japan

P.O.Box
2208
T l
s hu
77.111.917
8,80%
132.612.219
15,13%
44.204.073
5,04%
Commence
Chambers, Road Town, Tortola,

British Virgin Islands
4.2 Danh sch c ng sng lp:

Theo giy chng nhn ng k kinh doanh v ng k thu s 0301179079 (S KKD c:
059023) do S K hoch v u t Tp. H Ch Minh cp ng k ln u ngy 23/07/1992,
ng k thay i ln th 15 ngy 10/08/2009, c ng sng lp ca Eximbank bao gm:
Stt
Tn c ng
Nguyn Hu nh
Nguyn Nht Hng
a ch
790 in Bin Ph, Qun 10,
TP.HCM
p An in, x An Ph,
huyn Th c
Gi tr c phn
T l gp vn
(Nghn ng)
(%)
15
Theo Lut doanh nghip, trong thi hn ba nm k t ngy cng ty c cp Giy chng nhn
ng k kinh doanh, c ng sng lp c quyn t do chuyn nhng c phn ph thng ca mnh
cho cc c ng sng lp khc, v ch c chuyn nhng c phn ph thng ca mnh cho
ngi khng phi l c ng sng lp nu c s chp thun ca i hi ng c ng. Nh vy,
cc quy nh v hn ch chuyn nhng ca c ng sng lp n nay ht hiu lc.
BN CO BCH
18

4.3 C cu c ng
Bng 2: C cu c ng EIB ti ngy 28/09/2009 (Tnh trn s lng c phn c
UBCKNN chp thun cho ng k lu k ln u 876.226.900 c phn)
STT
i tng
S lng c ng
S c phiu s hu
T l (%)
T chc
208
587.268.629
67,02%
Trong nc
204
366.248.264
41,80%
Trong : nm gi trn 5%
77.111.917
8,80%
Nc ngoi:
221.020.365
25,22%
176.816.292
20,18%
C nhn
9.213
288.958.271
32,98%
Trong nc
9.213
288.958.271
32,98%
0,00%
Nc ngoi:
0,00%
9.421
876.226.900
100%
Tng cng
5. Danh sch nhng cng ty m v cng ty con ca Ngn hng, nhng cng ty m Ngn hng
ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot
hoc c phn chi phi i vi Ngn hng:
n thi im hin ti Eximbank khng c cng ty con.
Ti ngy 30/06/2009, Eximbank c 02 cng ty lin kt nh sau:
Bng 3: Danh sch cng ty EIB lin kt n ngy 30/06/2009
STT
1
2
Cng ty
Cng ty CP Chng
khon Rng Vit
Cng ty CP Bt
ng sn Eximland
Giy php
hot ng
4103008092
4103005723
Lnh vc kinh doanh
Hot ng chng
khon
Hot ng kinh
doanh bt ng sn
Vn iu l
T l phn
(T ng)
vn s hu
330
18,09%
300
11%
6. Hot ng kinh doanh

6.1
Cc sn phm v dch v
Vi phng chm lun lun i u trong vic i mi v a dng ho sn phm dch v, bn

cnh vic nng cao cht lng cc sn phm c th mnh truyn thng nh ti tr xut nhp
khu, kinh doanh ngoi hi, v thanh ton quc t, Eximbank lin tc nghin cu v a ra th
trng cc sn phm dch v mi p ng nhu cu ca khch hng. Cc nghip v chnh
Eximbank cung cp bao gm:
BN CO BCH
19

6.1.1
-
Tit kim - tin gi

Tit kim: l hnh thc huy ng truyn thng, ch yu dnh cho cc khch hng c
nhn gi tit kim bng VN, ngoi t hoc vng vi cc k hn v phng thc tr li
khc nhau.
Tit kim hn hp: l mt phng thc huy ng vn t khu vc dn c. Tit kim hn

hp l s kt hp gia tit kim khng k hn v c k hn, ng thi gn vi chc
nng thanh ton khng dng tin mt gip khch hng c th thanh ton hng ha v
dch v. Ngi gi tit kim hn hp c la chn k hn tnh li hoc ngh ngn
hng tnh li khi c yu cu.
Ti khon tin gi c nhn, doanh nghip: phc v nhu cu thanh ton qua ngn hng.
6.1.2
Tn dng, bo lnh
y l mt hnh thc cho vay ca Eximbank trong ngn hng v khch hng vay tha thun
v phng thc cho vay ph hp vi nhu cu s dng vn vay ca khch hng v kh nng
ca Eximbank trong vic kim tra, gim st vic s dng vn vay. Loi tin cho vay c th l
VN, ngoi t (USD, EUR) hoc vng.
6.1.3
Thanh ton quc t - Chit khu chng t
Thng qua mng li hn 720 ngn hng i l ti 65 nc trn ton th gii1, cc nghip v
thanh ton xut khu c thc hin theo tp qun quc t UCP 500, URR 525, URC 522 ...
ca Phng Thng mi v Cng nghip Quc t (ICC) v cc quy nh php lut ca Nh nc
Vit Nam.
6.1.4
Dch v ti chnh du hc
Nhm p ng nhu cu hc tp nc ngoi ngy cng tng cao, Eximbank a ra dch v

ti chnh trn gi h tr du hc bao gm: t vn, gii thiu du hc, tn dng du hc, xc nhn
kh nng ti chnh, pht hnh th tn dng quc t v pht hnh Bankdraft, chuyn tin ra nc
ngoi vi chi ph u i, trong mt s nghip v c cung cp min ph nhm to iu kin
cho du hc sinh tip cn nn gio dc quc t.
6.1.5
Kinh doanh ngoi t / vng
Eximbank thc hin tt c cc nghip v mua bn ngoi t phc v nhu cu thanh ton quc t
thng thng cng nh cung cp cc dch v ngoi hi. Ngoi vic thc hin cc giao dch mua
- bn ngoi t di hnh thc tin mt v chuyn khon cho hu ht cc loi ngoi t mnh
nh: USD, EUR, GBP, HKD, CHF, JPY, AUD, CAD, SGD, NZD, Eximbank cn cung cp cc
dch v t vn v t gi cng nh cc bin php bo him t gi. Eximbank l ngn hng u
tin c NHNN cho php thc hin nghip v quyn chn (option) - mt trong nhng nghip
1
Theo s liu ngn hng i l ngy 31/12/2008 ca Eximbank
BN CO BCH
20

v phng chng ri ro t gi tin tin nht hin nay bn cnh cc nghip v trin khai nh
mua bn giao ngay (spot), mua bn k hn (forward), hon i (swaps). Hot ng kinh doanh
ngoi t c xc nh l mt mng nghip v ln v quan trng ti Eximbank, lm tr lc thc
y cc nghip v khc nh h tr xut khu, kiu hi, tn dng. Ngoi ra, Eximbank l mt
trong ba ngn hng c hot ng kinh doanh vng mnh v hiu qu nht hin nay.
6.1.6
Hot ng th
Vi ch trng tng bc nng t l thanh ton khng dng tin mt ca Nh nc, Eximbank
c nhng bc chun b v c s vt cht k thut v cng ngh thanh ton ha nhp vo
s pht trin . Ngn hng pht hnh cc loi th Quc t mang thng hiu Visa,
MasterCard, th ni a; dch v ATM, dch v thanh ton th qua mng Internet, qua cc im
chp nhn th.
6.1.7
u t ti chnh
Nhm a dng ho danh mc u t v tn dng thi c, t thng 06/2006, Eximbank thnh

lp Phng u t ti chnh nhm a ngun vn vo s dng vi mc sinh li cao, gp phn
tng cng hiu qu trong hot ng ca Eximbank. y l mc tiu chin lc ca Eximbank
trong vic pht trin quy m hot ng ngn hng v a dng ha ti sn c.
6.1.8
Cc dch v khc:
Ngoi cc sn phm trn, Ngn hng cn cung cp a dng cc loi hnh dch v khc nh:
-
Ngn qu
T vn ti chnh tin t
Dch v a c
Truy vn ti khon
Dch v telephone banking
Home-banking
Chuyn tin t nc ngoi .
6.2
nh gi nng lc v cht lng sn phm dch v cung cp
6.2.1
nh gi chung
c thnh lp sm nht trong h thng cc NHTMCP Vit Nam, Eximbank tr thnh mt

trong nhng NHTMCP ln nht. Hnh nh v thng hiu ca Eximbank lin tc c nhiu
ngi bit n do nhng pht trin ca Ngn hng c v lng v cht.
Quy m ca Eximbank khng ngng m rng vi tc tng trng cao t nhng nm u mi
thnh lp. Th mnh ca Eximbank cn cc hot ng phi tn dng bao gm: thanh ton, bo
BN CO BCH
21

lnh, kinh doanh ngoi t Thanh ton v kinh doanh ngoi t l 2 hot ng m Eximbank
c bit c th mnh so vi cc NHTMCP khc.
p ng tt nhu cu ca khch hng, Eximbank xc nh vic tip cn v s dng cc cng
ngh ngn hng hin i l mt u tin quan trng trong hot ng kinh doanh. Eximbank l
mt trong nhng NHTMCP u tin tham gia vo h thng thanh ton b tr in t ca Ngn
hng Nh nc v l mt trong 3 ngn hng u tin ca Vit Nam c 2 t chc th hng
u trn th gii l MasterCard, Visa cng nhn l thnh vin v nhn c nhiu nh gi
tch cc t pha 2 t chc ny.
Eximbank l NHTMCP u tin c chn tham gia H thng thanh ton v hin i ho ngn
hng do ngn hng Nh nc Vit Nam t chc vi s ti tr ca Ngn hng th gii. D n
hp tc c Vit (GTZ) cng ang hp tc, h tr Eximbank trong lnh vc kim ton ni b.
Ngoi ra cc ngn hng i l nh Wachovia, Credit Suisse, cng chia s kinh nghim v
kin thc v mt chuyn mn cho Eximbank thng qua cc hi tho ngn ngy.
Hin ti, Eximbank l thnh vin chnh thc ca t chc SWIFT, MasterCard International, Visa
International, Hip hi ngn hng Vit Nam, Hip hi cc nh ch ti tr v pht trin khu vc
Chu Thi Bnh Dng (ADFIAP), v l thnh vin thng trc ca Hip hi ngn hng
Chu (ABA).
Vi nhng thnh tu t c, Eximbank vinh d nhn c nhng bng khen, gii thng
ca cc t chc, ngn hng, tp ch trong nc cng nh trn th gii trao tng nh: Best
Services Quality Award, Topten sn phm dch v uy tn cht lng, Cht lng thanh ton
quc t xut sc,
Vi nhng th mnh , Eximbank tr thnh mt trong s nhng NHTMCP tiu biu v
doanh s v kinh doanh ti Vit Nam. Cc t chc ti chnh uy tn trn th gii u c nhng n
tng rt tt v Eximbank.
Hin nay Eximbank ang thu ht c rt nhiu s quan tm ca cc nh u t trong v ngoi
nc, c bit mt s nh ch ti chnh quc t rt mun h tr Eximbank v cch thc qun tr
ngn hng hin i. Vi ban iu hnh c nng lc qun l tt, kinh nghim lu nm trong ngnh
ngn hng, v i ng cn b c o to chuyn nghip, tr trung, nhit huyt, Eximbank hon
ton c kh nng t c mc tiu ra trong chin lc 05 nm 2005 2010: n nm 2010
tr thnh mt trong nhng ngn hng thng mi c phn hng u Vit Nam.
6.2.2
Cng ngh
i vi Eximbank, cng ngh lun l mt trong nhng u tin ca Ngn hng trong chin lc
pht trin p ng ngy cng tt hn nhu cu ca khch hng, em n s hi lng v cht
lng dch v, t khng nh v th ca Eximbank l mt ngn hng ng hnh vi cc
doanh nghip v nh u t.
BN CO BCH
22

Eximbank tham gia vo d n H thng thanh ton v hin i ho Ngn hng Vit Nam
vi tng gi tr ti tr ln ti 49 triu la USD, do Ngn hng Th gii ti tr. Hin nay,
Eximbank ang khai thc sn phm cng ngh thanh ton ni hng rt hin i ti Vit Nam.
C 6 NHTM hng u ca Vit Nam ang s dng h thng thanh ton ni hng hin i ny.
Do nhu cu khch hng i vi dch v th ngy cng tng, Eximbank trin khai cc sn
phm th Eximbank dnh cho mi i tng khch hng c nhu cu vi hn 1.900 im chp
nhn th trn ton quc v 260 ATM hin i.
Ngn hng Eximbank l mt trong nhng t chc tn dng u tin pht hnh th quc t
Eximbank-MasterCard, Eximbank-Visa. Eximbank sm a h thng chp nhn thanh ton
th MasterCard, Visa vo hot ng t nm 1999 to iu kin cho vic thanh ton tin hng,
dch v bng th ca cc i tng du khch nc ngoi n Vit Nam.
Eximbank ang hng ti mc tiu tr thnh mt trong nhng t chc tn dng c cng ngh
hin i trong h thng ngn hng trong nc v trong khu vc.
6.3
6.3.1
Cc hot ng kinh doanh chnh

Huy ng vn
Nm 2008 l mt nm y sng gi i vi ngnh ti chnh ngn hng khi m li sut, t gi ngoi

t v vng c nhiu bin ng nn nh hng mnh n tnh hnh huy ng vn ca cc ngn
hng. Mc d nhng thng u nm 2009 tnh hnh i vo n nh nhng tc ng t nm trc
vn gy ra khng t kh khn i vi ngnh Ngn hng Vit Nam ni chung, trong khng ngoi
tr Eximbank. thch ng vi th trng, Ngn hng s dng ng b v linh hot nhiu bin
php, chnh sch ph hp vi din bin th trng tng giai on. T , ngun vn huy ng t t
chc kinh t v dn c n thi im hin nay vn gi c s n nh v tng trng kh so vi
u nm, cao hn tc tng trng huy ng bnh qun chung ca ton ngnh.
Nm 2008 vn huy ng t t chc kinh t v dn c t 32.331 t ng, tng 41% (tng
ng 9.416 t ng) so vi cui nm 2007, t 101% k hoch nm. Trong : vn huy ng
VN t 19.461 t, tng 19% (tng ng 3.121 t ng) so u nm v chim t trng 60%
trn tng ngun vn huy ng; vn huy ng ngoi t quy i USD t 434,7 triu USD, tng
83% (tng ng 197 triu USD) so u nm v chim t trng 24% trn tng ngun vn huy
ng; vn huy ng vng t 298 ngn lng, tng 73% (tng ng 126 ngn lng) so vi
u nm, chim t trng 16% trn tng ngun huy ng. Ngun huy ng t dn c chim t
trng 73% trong tng vn huy ng ca Ngn hng, t 23.590 t ng, tng 52% (tng
ng 8.050 t ng) so vi nm 2007. Vn huy ng t cc t chc kinh t t 8.741 t ng,
tng 18,53% (tng ng 1.366 t ng) so vi nm 2007, chim 27% trong tng vn huy
ng ca Ngn hng.
BN CO BCH
23

Trong 6 thng u nm 2009, tng vn huy ng ca Exinbank tng rt mnh ln mc
40.317 t ng, tng ng mc tng 18,8% so vi u nm, trong c s ng gp ng
k ca ch tiu tin gi khch hng (tng 17,9%) v c bit l s d chng ch tin gi tng
gp 2,4 ln so vi u nm (3.458 t ng).
Thnh qu trn l s kt hp gia nhng n lc pht trin mng li, nng cao cht lng phc
v, xy dng chnh sch li sut cnh tranh, linh hot, nghin cu a ra nhng sn phm huy
ng mi ph hp ti u vi nhu cu ca tng khch hng nh: tit kim qua m, tin gi
call 48 gi, tin gi li sut theo thi gian thc gi, tit kim t ng iu chnh li sut...
Song song vi vic trin khai cc sn phm mi, Ngn hng cn t chc trin khai nhiu
chng trnh d thng nh: n xun sang, hi lc vng, Vui h nhn nhp, du lch rn
rng, Gi tin ngay, trng thng ln vi nhiu gii thng c gi tr v 5 chng trnh khuyn
mi tng qu vi nhiu qu tng hp dn nh: Gi USD - Vng, nhn ngay qu tng tng b
ly, Tng o ma thi trang cho khch gi tin , Gi tin li sut cao, km qu tng tng b
drap, Tng th V-TOP vi gi tr mua sm ln n 40 triu ng cho khch gi VND, Gi
USD - nhn ngay qu tng tng b m tr.

a. Vn huy ng theo ngun vn
Bng 4: C cu ngun vn huy ng EIB 2007 - 30/06/2009
n v tnh: triu ng
Ch tiu
Tin vay t NHNN
Nm 2007
Gi tr
Nm 2008
T trng
Gi tr
30/06/2009
T trng
Gi tr
T trng
28.059
0,12%
26.954
0,08%
25.693
0,06%
1.214.024
5,02%
1.565.108
4,61%
429.280
1,07%
25.255
0,10%
13.170
0,04%
9.536
0,02%
Tin gi ca khch hng
22.906.123
94,73%
30.877.730
90,99%
36.393.958
90,27%
Pht hnh giy t c gi
8.445
0,03%
1.453.200
4,28%
3.458.388
8,58%
24.181.906
100%
33.936.162
100%
40.316.855
100%
Tin gi v tin vay t cc

TCTD trong nc
Vn nhn t Chnh ph, cc t
chc quc t v t chc khc
Tng vn huy ng
Ngun: Bo co ti chnh kim ton ca Eximbank nm 2007, 2008 v BCTC qu 2/2009
BN CO BCH
24

Biu 3: C cu ngun vn huy ng n ngy 30/06/2009
Pht hnh
Vn huy ng
giy t c gi
k hc
9%
1.14%
T in g i c a
k hc h hng
90%
b. Vn huy ng t khch hng

n v tnh: triu ng
Nm 2007
Ch tiu
Gi tr
Nm 2008
T trng
Gi tr
30/06/2009
T trng
Gi tr
T trng
Ngoi nc
145.375
0,6%
410.127
1,3%
327.074
0,9%
Trong nc
22.760.748
99,4%
30.467.603
98,7%
36.066.884
99,1%
Tng cng
22.906.123
100%
30.877.730
100%
36.393.958
100%
Biu 4: Vn huy ng t khch hng ca EIB 2007 - Qu 2/2009
40,000
T ng
Vn huy ng
Tng trng
35,000
30,000
25,000
20,000
15,000
10,000
5,000
2007
6.3.2
a.
2008
Qu 2/2009
Hot ng tn dng
Hiu qu
Vi th mnh v thng hiu bn cnh thi phc v khch hng nhit tnh cng kh nng x
l nhanh h s, th tc giao dch n gin, li sut, ph dch v cnh tranh, Eximbank khng
nh c v tr vng chc ca mnh trn th trng tn dng. Hot ng tn dng ca Eximbank
BN CO BCH
25

lun t mc tng trng tt. Cc sn phm ca Eximbank p ng nhu cu a dng ca mi
thnh phn kinh t, cung cp nhiu sn phm tn dng nh cho vay theo hn mc tn dng d
phng, cho vay theo phng n kinh doanh, cho vay theo d n u t cho vay hp vn, cho
vay y thc, ti tr xut nhp khu, bao thanh ton v.v
Nm 2008 tc tng trng kinh t trong nc suy gim, hot ng sn xut kinh doanh b
nh tr, th trng bt ng sn ng bng, th trng chng khon tt dc... gy nh
hng khng nh n hot ng tn dng ca cc ngn hng. Trong bi cnh , Ngn hng
mt mt ch ng hn ch tn dng i vi mt s lnh vc c nhiu ri ro nh bt ng sn,
chng khon... m bo an ton hot ng kinh doanh, mt khc tch cc h tr doanh
nghip vt qua kh khn thng qua cc chng trnh cho vay vi li sut u i, tp trung y
mnh tn dng vo nhng ngnh ngh hot ng c hiu qu. V vy, mc d tc tng
trng tn dng ca Ngn hng chm li nhng vn gi c mc tng trng n nh.
Tng d n cho vay n 31/12/2008 l 21.232 t ng, tng 15% (tng ng 2.780 t ng)
so vi nm 2007, t 88% k hoch nm, chim t trng 44% trn tng ti sn c v 66% trn
vn huy ng. n cui thng 6/2009, d n vay ca Ngn hng c bc tin mnh m khi
t s d 30.288 t ng, tng 42,7% so vi u nm, ch yu do tnh hnh kinh t trong 2 qu
u nm 2009 dn bc vo giai on phc hi, c bit l tc ng ca nhng gi kch cu
ca Chnh ph h tr doanh nghip trong sn xut kinh doanh thng qua hot ng tn dng
ca cc Ngn hng thng mi.
Bng 5: Tng d n ca EIB 2007 - 30/06/2009
n v tnh: triu ng
Nm 2007
Khon mc
S d
Tng d n tn dng
- T chc tn dng
- Khch hng
Nm 2008
% tng
S d
30/06/2009
% tng
S d
18.452.151
80,7%
21.232.198
15,06%
30.288.286
18.452.151
80,7%
21.232.198
15,06%
30.288.286
Biu 5: D n EIB 2007 30/06/2009

35,000
Cho vay khch hng
T ng
Tng trng
30,000
25,000
20,000
15,000
10,000
5,000
2007
BN CO BCH
2008
Qu 2/2009
26

Bng 6: Chi tit d n cho vay v ng trc cho khch hng cc nm
n v tnh: triu ng
Khon mc
Cho vay ngn hn
Nm 2007
S d
Nm 2008
T trng
S d
30/06/2009
T trng
S d
T trng
14.614.723
79,20%
16.444.641
77,44%
22.845.410
75,43%
3.834.446
20,78%
4.784.582
22,55%
7.442.871
24,57%
Cho vay hp vn
Cho vay t ngun ti tr ca
2.982
0,02%
2.975
0,01%
0,00%
18.452.151
100%
21.232.198
100%
30.288.286
100%
Cho vay trung v di hn
chnh ph, cc t chc quc t

v t chc khc
Cc khon n ch x l
Tng
Biu 6: C cu d n 2007 - 30/06/2009
Tng trng nhanh v chim t trng ln nht trong c cu cho vay theo thi hn vay l loi
hnh cho vay ngn hn. D n cho vay ngn hn nm 2008 t 16.444.641 triu ng, chim
77,44% trong tng d n cho vay v tng 12,5% so vi nm 2007. Trong 06 thng u nm
2009, d n ngn hn l 22.845.410 triu ng, chim 75,43% tng d n v tng 39% so vi
c nm 2008. N ch x l c gii quyt trit hn, gim dn qua cc nm t 25.005 triu
ng nm 2006 cn 2.982 triu ng nm 2007 v 2.975 triu ng nm 2008, n 06 thng
u nm 2009 ch cn 5 triu ng.
BN CO BCH
27

b.
Theo loi tin t
Bng 7: D n theo loi tin t 2007 - 30/06/2009

n v tnh: triu ng
Nm 2007
Khon mc
Cho vay bng ng
S d
Nm 2008
T trng
S d
30/06/2009
T trng
S d
T trng
12.643.360
68,5%
15.970.646
75,22%
22.636.738
75%
5.808.791
31,5%
5.261.552
24,78%
7.651.548
25%
18.452.151
100%
21.232.198
100%
30.288.286
100%
Vit Nam
Cho vay bng ngoi t
v vng
Tng cng
c.
Theo ngnh ngh
Bng 8: Cho vay theo ngnh ngh

n v tnh: triu ng
Khon mc
Thng mi
Nm 2007
S d
Nm 2008
T trng
S d
30/06/2009
T trng
S d
T trng
4.584.892
24,85%
5.740.712
27,04%
7.462.516
24,6%
12.961
0,07%
2.343.571
11,04%
3.332.419
11,0%
4.885.510
26,48%
2.970.493
13,99%
1.079.208
3,6%
2.277.145
12,34%
2.266.900
10,68%
2.398.447
7,9%
5.349.313
28,99%
5.377.692
25,33%
7.238.959
23,9%
268.733
1,46%
322.000
1,52%
371.966
1,2%
Kinh doanh bt ng sn
197.379
1,07%
348.000
1,64%
539.011
1,8%
Nh hng, khch sn
258.019
1,40%
419.000
1,97%
817.598
2,7%
25.588
0,14%
28.800
0,14%
21.110
0,1%
592.611
3,21%
1.415.030
6,66%
7.027.052
23,2%
18.452.151
100,00%
21.232.198
100,00%
30.288.286
100%
Nng lm nghip
Sn xut v gia cng ch
bin
Xy dng
Dch v c nhn v cng
cng
Kho bi, giao thng vn ti
v thng tin lin lc
Dch v ti chnh
Cc ngnh ngh khc
Tng cng
Chim t trng ln trong danh mc cho vay phn theo ngnh ngh l cho vay thng mi, dch
v c nhn v cng cng v sn xut v gia cng ch bin. Nguyn nhn ca s tng trng
BN CO BCH
28

mnh v n nh ca ba ngnh ny l do chnh sch tn dng linh hot, n gin, nng cao cht
lng phc v khch hng, chnh sch li sut hp l ca Eximbank.
d.
Theo khu vc
Bng 9: Cho vay theo khu vc

n v tnh: triu ng
Nm 2007
Khon mc
S d
Thnh ph H Ch Minh
v cc tnh ln cn
&
T trng
S d
T trng
14.880.679
70,09%
20.608.506
68,04%
1.345.566
7,3%
1.616.404
7,61%
2.539.945
8,39%
1.348.472
7,3%
1.718.767
8,10%
3.062.766
10,11%
2.426.962
13,2%
3.016.348
14,21%
4.077.069
13,46%
18.452.151
100%
21.232.198
100%
30.288.286
100%
Cao
Nguyn
Min Bc
Tng cng
S d
72,2%
Long
Trung
T trng
30/06/2009
13.331.151
ng bng Sng Cu
Min
Nm 2008
Biu 7: C cu cho vay theo khu vc ti 30/06/2009

C CU CHO VAY THEO KHU VC 06 THNG NM 2009
68.04%
TP.H Ch Minh & cc

tnh ln cn
BSCL
Min Trung
13.46%
Min Bc
10.11%
8.39%
C cu trong d n cho vay theo khu vc phn nh ng tim nng kinh t, hon cnh cnh
tranh tng a bn trong c nc.
Thnh ph H Ch Minh vi vai tr l trung tm kinh t ca c nc, vn l a phng chim t
trng tn dng cao nht (68,04%) trong c cu d n cho vay ca Eximbank theo khu vc a l.
C cu cho vay theo a bn ang c s chuyn bin tch cc, tng dn t trng cho vay ca
cc khu vc khc trn tng d n trn c s tn dng v pht huy hn na li th kinh t x hi
ring c ca tng a bn.
BN CO BCH
29

e.
Theo thnh phn kinh t
Bng 10: Cho vay theo thnh phn kinh t

n v tnh: triu ng
Nm 2007
Khon mc
T
trng
S d
Doanh nghip nh nc
Cng ty c phn, TNHH, lin
doanh v doanh nghip t nhn
C nhn khc
Tng cng
Nm 2008
S d
30/06/2009
T
trng
S d
T
trng
383.513
2,1%
700.596
3,3%
738.773
2,4%
10.346.976
56,1%
13.365.919
63,0%
18.947.354
62,6%
7.721.662
41.8%
7.165.683
33,7%
10.602.159
35,0%
18.452.151
100,0%
21.232.198
100%
30.288.286
100%
Biu 8: C cu cho vay theo thnh phn kinh t ti 30/06/2009

2.4%
DN nh nc
35.0%
Qu 2 /2 0 0 9
DN ngoi quc
doanh
62.6%
C nhn
ng gp ng k trong tng d n cho vay (66%) l t cc khch hng doanh nghip. Trc
nh hng ca khng hong ti chnh ton cu v tnh hnh lm pht ca Vit Nam tng cao,
cc doanh nghip rt kh khn trong hot ng kinh doanh do kh tip cn ngun vn vay ca
ngn hng, Eximbank a ra chng trnh ti tr vn lu ng vi li sut u i cho cc
doanh nghip. c bit, Eximbank l ngn hng u tin cho ra i sn phm ti tr xut nhp
khu c bo him t gi vi mc li sut rt thp nhm ng hnh v chia s nhng kh khn
cng doanh nghip, to ng lc thc y pht trin hot ng xut nhp khu. Ngoi ra,
Eximbank cn tng cng h tr t vn dch v gip cho khch hng gim thiu ri ro v yn
tm trong tc nghip ca mnh. D n cho vay ca khch hng doanh nghip ti Eximbank cui
nm 2008 t 14.061 t ng, tng 31% so vi u nm (tng ng 3.331 t ng), trong
: d n vay VN l 10.652 t ng, tng 63% so vi u nm (tng ng 4.126 t ng)
v d n vay ngoi t quy USD t 179 triu USD, gim 29% so u nm (tng ng 74 triu
USD). D n vng t 16.300 lng, tng 77% so vi u nm (tng ng 7.100 lng). S
lng khch hng doanh nghip c quan h tn dng t 2.549 khch hng, tng 28% so vi
u nm (tng ng tng 557 khch hng).
BN CO BCH
30

D n tn dng c nhn gim nh do nhng nh hng bt li ca tnh hnh kinh t nhng vn
t mc 7.171 t ng. Trong c cu d n st gim th tn dng bt ng sn l ch yu,
chng t Ngn hng hn ch kh tt ri ro pht sinh t s khng hong ca th trng bt ng
sn. D on trong nm 2009, nn kinh t s dn i vo n nh vi cc gi kch cu ca Chnh
ph, Eximbank mnh dn y mnh cho vay c nhn, tp trung a ra cc sn phm cnh
tranh, th tc gii quyt nhanh gn thu ht mt lng ln i tng c nhn n vay vn ti
Eximbank, t to nn tng khch hng vng chc trong tng lai.
f.
N xu
Bng 11: T l n xu 2007 - 30/06/2009

Khon mc
Tng d n (triu ng)
T l n xu
Nm 2007
Nm 2008
30/06/2009
18.452.151
21.232.198
30.288.286
0,88%
4,71%
2,84%
27%
45,89%
32,79%
T l an ton vn (CAR)
Do nh hng t cuc khng hong ti chnh quc t v sau l s suy gim kinh t ton
cu, nhiu doanh nghip sn xut, xut khu trong nc lm vo tnh trng ht sc kh khn,
dn n quan h tn dng vi cc ngn hng thng mi b nh hng. H qu l t l n
xu/tng d n nm 2008 ti Eximbank l 4,71%, trong khi t l ny trong cc nm 2006, 2007
lun c duy tr mc thp (di 1%).
Trong nm 2009, Eximbank trin khai hng lot cc gii php x l n
, min gim li, x l ti sn bo m, cn tr n, khi kin, trin khai thnh lp cng
ty Qun l n v khai thc ti sn, ch ng chuyn nhm n cao hn trch lp v s dng
qu d phng ri ro tn dng x l cc khon n khng cn kh nng thu h
.
Bn cnh , Eximbank thc hin vic kim sot cht lng tn dng Eximbank cht ch, cc
khon tn dng mi m bo an ton, a dng v c qun l trn c s phn tch kinh t tng
ngnh hng, tng doanh nghip, theo st din bin th trng. Cc khon n kh i cn li
cng c gii php x l thu hi. Nhn chung, cht lng tn dng ti Eximbank nm trong tm
kim sot, Eximbank tip tc kim sot cht ch cht lng tn dng nhm m bo t l n xu
khng vt qu cc mc quy nh ca NHNN. Kt qu l trong 06 thng u nm 2009,
Eximbank gim t l n xu xung cn 2,84%.
T l an ton vn (CAR)
T l an ton vn (Capital Adequacy Ratio CAR) l mt ch tiu quan trng phn nh nng lc
ti chnh ca cc ngn hng. Ch tiu ny c dng xc nh kh nng ca ngn hng
BN CO BCH
31

trong vic thanh ton cc khon n c thi hn v i mt vi cc ri ro khc nh ri ro tn
dng, ri ro vn hnh.
CAR = [(Vn cp I + Vn cp II) / (Ti sn iu chnh ri ro)] * 100%
y cng l mt trong 5 tiu chun quan trng nht m cc ngn hng thng mi phi p
ng m bo an ton hot ng, theo nh hng qun l ri ro ca Ngn hng Nh nc
theo tng thi k (4 tiu chun cn li bao gm yu cu vn t c, t l kh nng chi tr (thanh
khon), gii hn cho vay v bo lnh thng mi, gii hn s dng vn ngn hn cho vay trung,
di hn).
Theo iu 4 Quyt nh s 457/2005/Q-NHNN, t chc tn dng, tr chi nhnh ngn hng
nc ngoi, phi duy tr t l ti thiu 8% gia vn t c so vi tng ti sn c ri ro theo ng
tiu chun ca Basel I do y ban gim st cc ngn hng Basel ban hnh. Tuy nhin, trn th
gii, vic p dng h s an ton vn ti thiu hin ph bin theo tiu chun ca Basel II vi mc
12%.
H s an ton vn ca Eximbank lun t yu cu theo quy nh ca NHNN, th hin ngun
vn t c d phng n nh v chc chn trc cc loi ri ro pht sinh trong hot ng ca
ngn hng (ri ro tn dng, ri ro th trng v ri ro hot ng).
Biu 9: Tc tng trng d n, t l n xu v t l an ton vn ca EIB 2007 30/06/2009
90,00%
80,00%
70,00%
60,00%
50,00%
40,00%
30,00%
20,00%
10,00%
0,00%
T l n x u
T l an ton v n
T c tng tr ng
d n
2007
g.
2008
30/06/09
Phn loi n v ri ro li sut:
Vic phn loi cc khon n Eximbank tun theo quy nh ca NHNN, theo cc khon n
c xp vo 5 nhm: N tiu chun, N cn ch , N di tiu chun, N nghi ng, v N
c kh nng mt vn. Vic phn loi n theo khch hng, mi khch hng ch thuc duy nht
mt nhm n (bao gm c cc cam kt ngoi bng) v tt c cc khon n u phi phn loi
vo nhm ca khon n c trng thi n xu nht. Nguyn tc trch d phng ri ro l tr gi tr
ti sn m bo.
BN CO BCH
32

Hng ngy, h thng tn dng s nhc nh cc cn b tn dng v cc khon n n hn, cc
khon n sp n hn v cc khon n qu hn. Cn b tn dng s lin h yu cu khch
hng thanh ton phn gc v li ng hn cng nh n c khch hng tr cc khon n qu
hn. Trong trng hp khch hng khng tr c n, h thng s t ng chuyn khon n
sang loi thp hn theo quy nh.
Cc khon n thuc nhm N di tiu chun, N nghi ng v N c kh nng mt vn c
coi l cc khon n xu (NPL), Phng Qun l n c vn thc hin qun l, thng xuyn
theo di, xut trnh Ban lnh o cc bin php x l thu hi n.
Theo Quyt nh s 493/2005/Q-NHNN ngy 22/04/2005 ca NHNN v Quyt nh
18/2007/Q-NHNN ngy 25/04/2007 b sung sa i Quyt nh 493, Eximbank thc hin trch
lp d phng c th v d phng chung cho tng nhm n nh sau:
D phng c th c trch lp trn ri ro tn dng thun ca cc khon cho vay theo cc
t l tng ng vi tng nhm
D phng chung c trch lp d phng cho nhng tn tht cha xc nh c trong
qu trnh phn loi n v trch lp d phng c th, v trong cc trng hp cc t chc
tn dng gp kh khn v ti chnh khi cht lng cc khon n suy gim.
Bng 12: Bng phn loi n
n v tnh: triu ng
Khon mc
Nm 2007
N tiu chun
Nm 2008
30/06/2009
18.173.103
19.554.894
29.148.731
117.587
676.782
280.091
N di tiu chun
47.930
405.871
126.769
N nghi ng
67.700
372.759
541.391
N c kh nng mt vn
45.831
221.892
191.304
18.452.151
21.232.198
30.288.286
N cn ch
Tng
Ngun: Bo co ti chnh kim ton nm 2007, 2008 v BCTC qu 2/2009.
Ngoi ri ro tn dng, trong hot ng tn dng ri ro li sut cng l mt yu t ng quan tm.

S chnh lch gia li sut huy ng u vo v li sut u ra do bin ng ca th trng v
chnh lch gia cc k hn huy ng v k hn u t, cho vay ra th trng c th tc ng
tiu cc ti li nhun ngn hng.
BN CO BCH
33

6.3.3
a.
Hot ng kinh doanh ngoi t, vng

Hot ng kinh doanh ngoi t
Trong hai nm qua, Eximbank tip tc duy tr v pht huy th mnh l ngn hng thng mi c phn
hng u v lnh vc kinh doanh ngoi t, c bit Eximbank l ngn hng thng mi duy nht c
php thc hin th im nghip v mua bn ngoi t mt theo t gi tha thun. Doanh s mua bn
ngoi t lin tc tng trng t nm 2003 n nay.
Nm 2008, doanh s mua bn ngoi t t 10,1 t USD, tng 1,5% (tng ng 0,15 t USD) so vi
nm 2007. Kt qu thu nhp t hot ng kinh doanh ngoi t trong nm t 470 t ng, chim t
trng 9,3% trong tng thu nhp. Trong 02 qu u nm 2009, doanh s ca hot ng ny t 2,5 t
USD v thu nhp t 21 t ng.
Bng 13: Doanh s kinh doanh ngoi t
Khon mc
Nm 2007
Nm 2008
30/06/2009
Doanh s (t USD)
9,95
10,1
2,5
Thu nhp (t ng)
40,80
470
21
b.
Hot ng kinh doanh vng
Eximbank c xem l mt trong nhng NHTMCP c nhiu kinh nghim v hiu qu hng u
i vi lnh lc kinh doanh vng.
Nm 2008, th trng giao dch vng trn th gii v trong nc c nhng t dao ng gi rt
mnh, tc ng trc tip n hot ng kinh doanh vng ca Ngn hng. Doanh s mua bn
vng t 10,02 triu lng, tng 96,5% (tng ng 4,92 triu lng) so vi nm 2007. Kt
qu thu nhp t hot ng kinh doanh vng t 164 t ng, chim t trng 3,3% trong tng thu
nhp. Trong 06 thng u nm 2009, hot ng kinh doanh vng t doanh s 4,1 triu lng
v thu nhp em li cho ngn hng l 39 t ng.
Thng 09/2008, Ngn hng chnh thc khai trng Sn giao dch vng p ng nhu cu
kinh doanh vng ca khch hng, m rng thm dch v v vng cho th trng, ng thi a
dng ha knh s dng ngun vn vng, gp phn tng hiu qu hot ng kinh doanh vng
ca Ngn hng.
Bng 14: Doanh s kinh doanh vng 2007 - 30/06/2009
Khon mc
Doanh s (triu lng)
Thu nhp (t ng)
BN CO BCH
Nm 2007
Nm 2008
30/06/2009
5,1
10,02
4,1
98,46
164
39
34

6.3.4
Hot ng thanh ton quc t
Vi b dy kinh nghim v chuyn mn, ng thi khng ngng a dng cc sn phm dch v,
gp phn to nn th mnh ca Eximbank trong lnh vc thanh ton quc t. iu ny
c kim chng trong sut 19 nm hot ng v c nhiu t chc ti chnh c uy tn trn
th gii cng nhn nh: HSBC, Standard Chartered Bank, Wachovia Bank N.A New York...
Doanh s thanh ton quc t nm 2008 t 3,9 t USD, tng 32% (tng ng 1 t USD) so
vi nm 2007. Doanh s thanh ton nhp khu t 2,1 t USD, tng 23% (tng ng 0,4 t
USD) so nm 2007, doanh s thanh ton xut khu t 0,8 t USD, tng 77% (tng ng 0,4
t USD) so vi nm 2007. Doanh s thanh ton phi mu dch t 1 t USD, tng 27% (tng
ng 0,2 t USD) so nm 2007. Bc sang nm 2009, vi tnh hnh suy thoi kinh t ton cu
tc ng rt nhiu n hot ng xut nhp khu ca Vit Nam. Tuy nhin, hot ng thanh
ton quc t ca ngn hng vn t c kt qu kh quan vi doanh s t 1.950 triu USD
trong 6 thng u nm, bng 50% doanh s c nm 2008.
Bng 15: Doanh s thanh ton quc t 2007 - 30/06/2009
n v tnh: triu USD
Khon mc
Nm 2007
Nm 2008
30/06/2009
Tng doanh s
2.943
3.900
1.950
+ Doanh s thanh ton hng nhp khu
1.708
2.100
900
+ Doanh s thanh ton hng xut khu
477
800
600
+ Doanh s thanh ton phi mu dch
757
1.000
450
6.3.5
Hot ng ngn hng i l, kiu hi
Vi li th mng li gn 720 ngn hng i l tt c cc quc gia c ngi Vit ang sinh
sng v lm vic, Eximbank c quan h hp tc vi h thng cc cng ty kiu hi ln, uy tn
trn th gii. Cng vi nhiu chnh sch u i cho khch hng v chnh sch thng thong hn
ca Nh nc v qun l ngoi hi v u i cho Vit kiu, hot ng kiu hi ti Ngn hng
tip tc gia tng v thu ht c khch hng, giao dch chuyn tin kiu hi ca ngn hng
c nhanh chng vi mc ph thp.
Doanh s chi tr kiu hi nm 2008 ca Eximbank t 484 triu USD, tng 13,08% (tng
ng 56 triu USD) so nm 2007. Doanh s chuyn tin du hc nm 2008 t 48,5 triu USD,
tng 53% (tng ng 16,9 triu USD) so nm 2007. Trong 02 qu u nm 2009, doanh s
chi tr kiu hi t 159 triu USD, bng 32,9% doanh s nm 2008.
Cc dch v SMS Banking, Home Banking, Phone Banking... u thu ht thm nhiu khch
hng ng k s dng. c bit, vi tin ch ng k thng tin m ti khon, pht hnh th qua
trang web ca Eximbank, dch v Home Banking ngy cng thu ht c s quan tm ca
khch hng vi s lt truy cp trong nm 2008 l 753.050 lt.
BN CO BCH
35

Trong nm 2008, Eximbank cng trin khai dch v Call Center nhm t vn, gii p thc
mc cho khch hng trong vic s dng sn phm dch v ti ngn hng. Vi vic a dng ha
cc sn phm dch v v gia tng tin ch dnh cho khch hng gp phn khng nh vo
vic nng cao hnh nh ca Eximbank trn th trng, a Eximbank tr thnh ngn hng c
kh nng p ng tt nht mi nhu cu ca khch hng.
Vi nng lc ti chnh vng mnh, cht lng phc v ngy cng c nng cao v nn tng
khch hng vng chc, trong tng lai Eximbank s tip tc l nh cung cp cc sn phm dch
v vi cht lng tt nht, p ng ti a cc nhu cu ngy cng a dng ca khch hng.
Doanh s kiu hi ca Eximbank qua cc nm:
Bng 16: Doanh s hot ng ngn hng i l, kiu hi
n v tnh : triu USD
Khon mc
Nm 2007
Doanh s
Nm 2008
428
06 thng u 2009
484
159
6.3.6
Hot ng th
S lng th pht hnh n cui nm 2008 t 199.143 th, tng 50% so vi cui nm 2007,
trong c 150.858 th ni a v 48.285 th quc t. Doanh s thanh ton th trong nm 2008
t 687 t ng, tng 32% (tng ng 166 t ng) so vi nm 2007. Trong 06 thng u
nm 2009, tng s lng th quc t (Visa, MasterCard) pht hnh t 54.457 th v doanh s
thanh ton th quc t t 329 t ng (tng ng 18,5 triu USD).
Ngoi vic nng cp v tng cng nng lc ca h thng, trang b thm ATM v mng li
n v chp nhn th, Eximbank cn hng n cc sn phm cng ngh cao nh pht hnh
th trn nn tng cng ngh chip tiu chun EMV, trin khai cng thanh ton th quc t v
cng c thanh ton trn mng Internet nhm thc y thng mi in t ti Vit Nam.
Nm 2008 nh du s ra i ca sn phm th tn dng quc t Visa Business dnh cho
doanh nhn gp phn lm a dng ha cc sn phm th, t m ra c hi gia tng th phn
th ca Ngn hng. Vi cc tin ch gia tng qua th, Ngn hng nng cao cht lng dch
v th ngy cng p ng s mong i ca khch hng.
Hin nay, Eximbank c 260 my ATM t ti Hi s chnh, cc chi nhnh v trung tm
thng mi, ng thi khch hng s dng th thanh ton ca Eximbank cng c th rt tin t
3.200 my ATM ca 21 ngn hng ln trn ton quc nh Ngn hng Ngoi thng Vit Nam
(Vietcombank), NHTMCP Pht trin nh H Ni (Habubank), NHTMCP K thng
(Techcombank), NHTMCP Quc t (VIBank),.
BN CO BCH
36

6.4
Qun l ri ro v bo ton vn
Eximbank ban hnh cc quy trnh nghip v c bn nh nghip v tn dng, kinh doanh
ngoi t v thanh ton xut nhp khu. Ring v hot ng tn dng, Ngn hng thnh lp
Hi ng tn dng bao gm nhng lnh o cao cp nht trong Ban iu hnh (BH) v Phng
Tn dng xem xt, ph duyt cc khon cho vay ln nhm hn ch ti a vic pht sinh cc
ri ro. Ngoi ra, Ngn hng cng thc hin phn tn danh mc cho vay vo cc ngnh, cc
thnh phn kinh t v hn ch mt s ngnh c nhiu ri ro tim n.
Vic trin khai chng trnh hin i ho ngn hng gip cho Eximbank c kh nng theo
di t ng cc khon cho vay mt cch trc tuyn trn ton h thng. Chng trnh ny cng
t ng phn loi cht lng cc khon cho vay da vo s ngy qu hn tr li v gc theo
tiu chun rt nghim ngt, qua gip cho vic kim tra gim st cc hot ng tn dng trong
ton h thng Eximbank ca b phn qun tr ri ro d dng thc hin thng xuyn, nhanh
chng v xuyn sut.
Tuy nhin hn ch hin nay l b phn qun tr ri ro ca Eximbank vn cn kim nhim ti cc phng
nghip v nn kh nng qun l tp trung pht hin v ng ph cc s c cha c cht ch.
Trn c s cc quy nh v qun l ri ro ca Ngn hng Nh nc, Eximbank thnh lp y
ban ALCO xy dng cc hn mc, gii hn trong hot ng kinh doanh, lm c s ban
hnh cc cng c qun tr ri ro trong hot ng kinh doanh, xy dng cc vn bn php l
phc v cho hot ng qun l ti sn n - ti sn c, quy nh v qun l ri ro thanh khon v
cc vn bn lin quan n qun l ri ro ph hp vi Quyt nh 457/2005/Q-NHNN ngy
19/04/2005 cu Ngn hng Nh nc Vit Nam.
i vi hot ng qun l ri ro tn dng, Eximbank ban hnh cc chnh sch quy nh, hon thin
quy trnh cho vay ph hp vi quy nh ca php lut (Quy trnh kinh doanh tin t v u t ti chnh,
kinh doanh vng, thanh ton xut khu, nhp khu, pht hnh v thanh ton th: cp nhp v b
sung qui trnh tn dng ) ng thi qun l cht ch hot ng tn dng ca ton h thng.
6.5
6.5.1
Th trng hot ng
Mng li chi nhnh
Tnh n 30/06/2009, Eximbank c 121 im giao dch v mng li chi nhnh tri rng
khp c nc. Vic m rng mng li rng khp gip Eximbank tip cn vi nhng a bn
kinh t mi, nng cao cht lng phc v khch hng v nht l trong hot ng thanh ton,
cung cp cc tin ch ngn hng cho ngi dn a phng vi chi ph hp l.
BN CO BCH
37

Biu 10: CNG TC PHT TRIN MNG LI
140
Khu vc Min Bc
H Ni
Qung Ninh
Hi Phng
Vinh
Khu vc Min Trung Ty Nguyn
120
Nng
Nha Trang
100
Qung Ngi
c Lc
80
Lm ng
Khu vc ng Nam B
60
40
TP.HCM
Bnh Dng
20
ng Nai
B Ra Vng Tu
Khu vc Min Ty
0
2005
2007
CN/PGD
30/06/09
S CN/PGD tng thm
Cn Th
Tin Giang
An Giang
Bng 17: Danh sch cc Chi nhnh v Phng giao dch tnh n thi im 30/06/2009
THNH PH H CH MINH
S Giao Dch 1
07 L Th Hng Gm, Qun 1, TP. H Ch Minh
Chi nhnh Eximbank - Ch Ln
55 Nguyn Ch Thanh, Qun 5, Tp. HCM
Chi Nhnh Eximbank - Ha Bnh
461 An Dng Vng, Qun 5, Tp. HCM
Chi Nhnh Eximbank Si Gn
143 Tn Tht m, Qun 1, Tp. HCM
Chi Nhnh Eximbank - Qun 10
727 Ba Thng Hai, Qun 10, Tp. HCM
486 Lc Long Qun, Qun 11, Tp.HCM
Chi Nhnh Eximbank - Tn nh
S 48-50 Nguyn Hu Cu, Qun 1, Tp. HCM
Chi Nhnh Eximbank Cng Ha
S 276 Cng Ha, Phng 13, Q. Tn Bnh, Tp. HCM
Chi Nhnh Eximbank - Th c
118 V Vn Ngn, Khu ph 1, Phng Bnh Th, Q.Th

c, Tp.HCM
448 A Hunh Tn Pht, P. Bnh Thun, Q.7, Tp.HCM
Chi Nhnh Eximbank Qun 04
143 Khnh Hi, Phng 03, Q. 4, Tp.HCM
Chi Nhnh Eximbank Bnh Ph
30 Bnh Ph, Phng 11, Qun 6, TP.HCM
Chi Nhnh Eximbank Ph M Hng

Chi nhnh Tn Sn Nht
BN CO BCH
L 1-3 th mi Ph M Hng (Khu A), S 102 Nguyn

Lng Bng , P.Tn Ph, Q.7, TP.HCM
307 Nguyn Vn Tri, P. 1, Q. Tn Bnh, Tp.HCM
38

Chi nhnh Bnh Tn
476-478 Kinh Dng Vng, P.An Lc A, Q.Bnh Tn,

TP.HCM
Phng giao dch - H Vn Hu
164 H Vn Hu, Qun Ph Nhun, Tp. HCM
Phng giao dch - Qun 6
41 Hu Giang, Qun 6, Tp. HCM
Phng giao dch - Trn Quang Khi
78 Trn Quang Khi, Qun 1, Tp. HCM
Phng giao dch - G Vp
138 - 140 Nguyn Oanh, Qun G Vp, Tp. HCM
Phng giao dch Hng Bng
258 Hng Bng, Q.05, Tp.HCM
Phng giao dch Ph Th
286 L Thng Kit, P.14, Q. 10, Tp.HCM
Phng giao dch - Kim Bin
161 Hi Thng Ln ng, Qun 5, Tp. HCM
Phng giao dch Qun 6
41 Hu Giang, P.2, Q.6, Tp.HCM
Phng giao dch K Ha
773 L Hng Phong ni di, P.12, Q.10, Tp.HCM
Phng giao dch - Tn Bnh
1115 (S c 325) Cch Mng Thng Tm,
Phng giao dch V Vn Tn
365 V Vn Tn, P.5, Q.3, Tp.HCM
Phng giao dch T Xng
8 T Xng, P.7, Q.3, Tp.HCM
Phng giao dch - CK Rng Vit
147-149 V Vn Tn, Qun 3, Tp. HCM
Phng giao dch - Vn Hnh
373 ng S Vn Hnh ni di, Qun 10, Tp. HCM
Phng giao dch u C
344-346 u C, Phng 10, Qun Tn Bnh, Tp.HCM.
Phng giao dch Bc Hi
2 Bis Cu Long, C X Bc Hi, Phng 15, Qun 10,

Tp.HCM
Phng giao dch Tam Bnh
141 Quc L 1A, P.Tam Bnh, Q. Th c, TP.HCM
Phng giao dch L Vn Ninh
12 L Vn Ninh, P. Linh Ty , Qun Th c, Tp.HCM.
Phng giao dch Hng o
466 Trn Hng o, Phng 2, Qun 5, TP.HCM
Phng giao dch - Qun 8
390-392 Phm Hng, Phng 5, Qun 8, TP.HCM
Phng giao dch ng Khnh
32 Trn Hng o, Phng 7, Qun 5, TP.HCM
Phng giao dch 3 Thng 2
727 Ba Thng Hai, Phng 6, Qun 10, TP.HCM
Phng giao dch Bn C
619 Nguyn nh Chiu, phng 2, qun 3, TP. HCM
Phng giao dch Phan nh Phng
130 Phan nh Phng, phng 2, qun Ph Nhun, TP.

HCM
Phng giao dch Nguyn Hu
72 Nguyn Hu, Phng Bn Ngh, Qun 1, TP. HCM
Phng giao dch Trng Sn
39B Trng Sn, P2, Q.Tn Bnh, TP.HCM
Phng giao dch Nguyn Trng T
40 Nguyn Trng T, phng 12, qun 4, TP. H Ch Minh
BN CO BCH
39

Phng giao dch Nguyn Th Thp
523A Nguyn Th Thp, P. Tn Phong, qun 7, TP.HCM
Phng giao dch Phm Vn Hai
156 A Phm Vn Hai, phng 3, qun Tn Bnh, TP.HCM
Phng giao dch Qun 9
35 L Vn Vit, P. Hip Ph, Qun 9, TP.HCM
Phng giao dch Kim Eng
255 Trn Hng o, P. Nguyn C Trinh, qun 1, TP.HCM
Phng giao dch Nguyn C Trinh
212 Trn Hng o, P. Nguyn C Trinh, qun 1, TP.HCM
Phng giao dch Nguyn Cng Tr
115 Nguyn Cng Tr, Qun 1, TP.HCM
Phng giao dch Thanh a

Phng giao dch Phm Th Hin
629-631 X Vit Ngh Tnh, Phng 26, Qun Bnh Thnh,

TP.HCM
721 Phm Th Hin, phng 4, qun 8, TP. HCM
THNH PH H NI
Chi Nhnh - H Ni
19 Trn Hng o, Qun Hon Kim, H Ni
Chi Nhnh - Lng H
60 Lng H, Qun ng a, H Ni
Chi Nhnh - Long Bin
562 Nguyn Vn C, Qun Long Bin, H Ni
Chi Nhnh - Hai B Trng
439 Trn Kht Chn, Qun Hai B Trng, H Ni
Chi nhnh ng a
T 27, P. Phng Lin, Q. ng a, Tp. H Ni
Chi nhnh Cu Giy
136 Hong Quc Vit, P. Ngha Tn, Q. Cu Giy, H Ni
Phng Giao Dch - Bch Mai
348 Bch Mai, Qun Hai B Trng, H Ni
Phng Giao Dch - Hng Than
18 Hng Than, Qun Ba nh, H Ni
Phng giao dch - Ph Vng
130 Ph Vng, Qun Thanh Xun, H Ni
Phng giao dch - Ty H
509 Lc Long Qun, Qun Ty H, H Ni
Phng giao dch - Xun Diu
05 Xun Diu, Qun Ty H, H Ni
Phng giao dch Hng Bng
169-171 Hng Bng, P. Hng Bng, Q. Hon Kim, H Ni
Phng giao dch M nh
Ta nh "The MANOR", khu th M nh - M Tr, huyn

T Lim, H Ni.
Phng giao dch ng Xun
84 ph Hng Chiu, Q. Hon Kim, H Ni.
Phng giao dch L Thng Kit
25 L Thng Kit, Q.Hon Kim, H Ni
Phng giao dch Nguyn Du
Tng 3 ta nh s 59, ph Quang Trung, qun Hai B

Trng, H Ni
Phng giao dch B Triu
74 ph B Triu, Q.Hon Kim, H Ni
Phng giao dch Ca ng
01 ng Thnh, P.Ca ng, Q.Hon Kim, H Ni
Phng giao dch Trn Duy Hng
S 83 Trn Duy Hng,Q.Cu Giy , H Ni
BN CO BCH
40

Phng giao dch Trung Ha
Phng giao dch Trung Yn

Phng giao dch Nguyn Thi Hc
Phng giao dch Ty Sn
B30 ph Nguyn Th nh, Khu th Trung Ha-Nhn

Chnh, H Ni
S 1 l 12B khu th mi Trung Yn, P. Trung Ha, Q.
Cu Giy, H Ni
121 Ph Nguyn Thi Hc, P.in Bin, Q.Ba nh, H Ni
108 ph Ty Sn, phng Quang Trung, Q.ng a, H
Ni
Phng giao dch ng Tm
110A13 ph Trn i Ngha, Q. Hai B Trng, H Ni
Phng giao dch H ng
24 Quang Trung, H ng, H Ni
Phng giao dch Trn ng Ninh
58 Ph Trn ng Ngha, Q.Cu Giy, H Ni
THNH PH NNG
Chi Nhnh - Nng
48 Trn Ph, TP. Nng
Chi Nhnh - Hng Vng
276 Hng Vng, TP. Nng
Phng giao dch - Thanh Kh
276 L Dun, Qun Thanh Kh, TP. Nng
Phng giao dch - Hi Chu
482 Hong Diu, Qun Hi Chu, TP. Nng
Phng giao dch Hm Nghi
90 Hm Nghi, Qun Thanh Kh, TP. Nng
Phng giao dch in Bin Ph
L 58, ng in Bin Ph, Q.Thanh Kh, TP. Nng
Phng giao dch Ha Cng
167 ng 2 thng 9, phng Ha Cng Nam, Q.Hi

Chu, TP. Nng
Phng giao dch Sn Tr
410 Ng Quyn, P.An Hi Bc, Q.Sn Tr, TP. Nng
Phng giao dch Ch Cn
276 Hng Vng, Q.Hi Chu, TP. Nng.
THNH PH NHA TRANG

Chi Nhnh - Nha Trang
63 Yersin, TP. Nha Trang, tnh Khnh Ha
Phng giao dch - Quang Trung
61A Quang Trung, TP. Nha Trang, tnh Khnh Ha
Phng giao dch L Hng Phong
584 L Hng Phong, TP. Nha Trang, tnh Khnh Ha
Phng giao dch Ph Thnh
T 8 Ph Thnh, Vnh Thnh, TP. Nha Trang, tnh Khnh Ha
THNH PH CN TH
Chi Nhnh - Cn Th
08 Phan nh Phng , TP. Cn Th
Chi Nhnh - Ci Kh
22 Trn Vn Kho, TP. Cn Th
Phng giao dch - Ci Rng
409 Quc l 1A, Qun Ci Rng, TP. Cn Th
Phng giao dch - Tht Nt
434 Quc L 91, Huyn Tht Nt, TP. Cn Th
BN CO BCH
41

Phng giao dch Tn An
02 in Bin Ph, P. Tn An, Ninh Kiu, TP.Cn Th
Phng giao dch An Ph
102 Mu Thn, P. An Ph, Q.Ninh Kiu , TP.Cn Th.
Phng giao dch Bnh Thy
Phng giao dch An Nghip
Phng giao dch An Ha
308 Cch Mng Thng Tm, P An Thi, Q. Bnh Thy ,

TP.Cn Th.
174 ng Trn Hng o, phng An Nghip, qun Ninh
Kiu, TP. Cn Th
177D ng Nguyn Vn C, phng An Ha, qun Ninh
Kiu, TP. Cn Th
TNH BNH DNG

Chi Nhnh - Bnh Dng
231 Yersin, Th x Th Du Mt, tnh Bnh Dng
Phng giao dch - Ch nh
231 Yersin, Th X Th Du Mt, tnh Bnh Dng.
Phng giao dch - D An
Phng giao dch - M Phc
3/21 Trn Hng o, khu ph Bnh Minh I, th trn D An,

huyn D An, tnh Bnh Dng
C4-16 Khu I ng DA1-1-Rupby Land, Th Trn M
Phc, H.Bn Ct, tnh Bnh Dng
TNH QUNG NINH

Chi Nhnh - Qung Ninh
30 Ph Kim Hon, Tp. H Long, tnh Qung Ninh
Phng giao dch - Cm Ph
144 Trn ph, P.Cm Ty, Cm Ph, tnh Qung Ninh
THNH PH VINH
Chi Nhnh - Vinh
99 L Li, TP Vinh, Ngh An
Phng giao dch - Bc Vinh
150 Nguyn Tri, Phng H Huy Tp, TP. Vinh, Ngh An
Phng giao dch - Nam Vinh
343 L Dun, phng Trung , Tp. Vinh , Ngh An
TNH QUNG NGI

Chi nhnh Qung Ngi
35 i l Hng Vng, TP Qung Ngi.
Phng giao dch - Trn Ph
136 i l Hng Vng, TP. Qung Ngi
THNH PH HI PHNG
Chi nhnh - Hi Phng
32 ng Trn Ph, Qun Ng Quyn, TP. Hi Phng
Phng giao dch - Lch Tray
221 ng Lch Tray, Qun Ng Quyn, TP. Hi Phng
Phng giao dch - Trn Nguyn Hn
274 Trn Nguyn Hn, Q. L Chn, TP.Hi Phng
Phng giao dch - T Hiu
172 ng T Hiu, Qun L Chn , TP. Hi Phng
TNH NG NAI
BN CO BCH
42

Chi nhnh - ng Nai
881 Quc l 15, P.Tam Hip, TP. Bin Ha, tnh ng Nai
Phng giao dch - Long Thnh

Phng giao dch - Trng Bom
Quc l 51A, T 7, Khu Phc Hi, TT Long Thnh, huyn

Long Thnh, tnh ng Nai
202 Bi Chu,x Bc Sn, huyn Thng Nht, tnh ng Nai
TNH B RA - VNG TU
112-114 ng Bch ng, P.Phc Trung, TX B Ra, tnh
Chi Nhnh - B Ra
B Ra Vng Tu
Phng giao dch - Phc Tnh
286 T 8, p Tn Phc, X Phc Tnh, Long in
TNH TIN GIANG

Chi nhnh - M Tho
77-79 L Li, P.1, TP.M Tho, Tin Giang
TNH AN GIANG
Chi nhnh - An Giang
70-72 Hai B Trng, TP.Long Xuyn, An Giang
TNH LM NG
Chi nhnh - Lt
2D-2D/1-2E Nguyn Vn Tri, TP. Lt, Lm ng
TNH C LC
Chi nhnh - Bun Ma Thut
6.5.2
a.
114-116 Phan Bi Chu, TP. Bun Ma Thut, c Lc
Mng li khch hng v cc loi dch v cho khch hng

Mng li khch hng
Tnh n thi im 30/06/2009, tng s khch hng c giao dch vi Eximbank l 254.645
khch hng, trong 16.137 khch hng l t chc v 238.508 khch hng l c nhn.
Bng 18: Bng phn loi khch hng theo a bn
T trng theo a bn
Khch hng t chc
Khch hng c nhn
Tng s khch hng

giao dch
- TPHCM
9.173
142.620
151.793
- H Ni
2.699
31.695
34.394
323
3.874
4.197
99
1.473
1.572
308
3.882
4.190
1.139
16.982
18.121
- Qung Ngi
157
2.247
2.404
- Nha Trang
432
8.578
9.010
- Hi Phng
- Qung Ninh
- Vinh
- Nng
BN CO BCH
43

- Cn Th
865
15.981
16.846
- Bnh Dng
230
4.172
4.402
- ng Nai
258
3.108
3.366
- B Ra
125
860
985
- M Tho
77
651
728
112
813
925
- Lt
59
846
905
- Bun Ma Tht
81
726
807
TNG
16.137
238.508
254.645
- An Giang
b.
Cc loi dch v cho khch hng
(i) Khch hng doanh nghip:

-
Dch v Xut Nhp Khu trn gi.
Dch v ngn qu:
Dch v chuyn tin.
Dch v chi h lng.
Dch v giao dch v tin mt v vng ti tr s cng ty.
Dch v khc:
+
Truy vn ti khon.
Dch v Phone Banking.
(ii) Khch hng c nhn:

-
Dch v du hc trn gi.
Dch v nh t
Dch v ngn qu:
Dch v chuyn tin.
Dch v giao dch v tin mt v vng ti nh.
Dch v khc:
+
Dch v Truy vn ti khon.
Dch v Phone Banking.
Dch v SMS Banking.
Dch v pht hnh v thanh ton th qua mng.
Dch v t vn ti chnh tin t.
Dch v chit khu chng t c gi.
BN CO BCH
44

6.5.3
Th phn v nng lc cnh tranh ca Eximbank
Eximbank c bit n l mt trong cc ngn hng hng u cung cp cc dch v dnh cho
doanh nghip, nht l trong lnh vc hot ng xut nhp khu nh: ti tr tn dng, chit khu
cc giy t c gi vi li sut u i, huy ng vn tin gi, thanh ton trong nc v quc t,
mua bn vng v ngoi t
Bng 19: Th phn ca Eximbank so vi khi NHTMCP v so vi ton ngnh
Eximbank vi khi TMCP
2003
2004
2005
2006
2007
2008
Th phn huy ng vn
11.2%
9.6%
9.7%
6.3%
6.7%
7.8%
Th phn cho vay
9.5%
9.1%
8.1%
7.0%
5.7%
4.9%
Th phn huy ng vn
1.01%
1.25%
1.54%
1.78%
2.00%
2.34%
Th phn cho vay
1.05%
1.10%
1.21%
1.56%
1.72%
1.62%
Eximbank vi h thng TCTD
Ngun: Eximbank
So snh vi cc ngn hng TMCP trong cng khi, th phn huy ng vn ca Eximbank chim
t l tng i kh nhng nu so vi ton ngnh th vn cn kh nh, c tnh ch chim
khong 2,3% trn tng ngun vn ca ton ngnh. Nguyn nhn mt phn do mng li hot
ng vn cn mng (nm 2008 ch c 111 im v n 30/06/2009 l 121), kh cnh tranh vi
cc NHTM ln khc. Ngoi ra, th trng hot ng ca Eximbank ch yu TP.HCM v H
Ni, c nh gi l khu vc nhiu tim nng v cng l ni tp trung nhiu cc TCTD trong
v ngoi nc, v vy Eximbank gp phi s cnh tranh gay gt v li sut gia cc ngn hng,
nht l vi cc ngn hng mi v cc ngn hng nc ngoi.
Th phn tn dng ca Eximbank thp v c xu hng gim st k t 2007 n nay. Nguyn nhn l
do thc hin chnh sch tn dng thn trng, tc tng trng tn dng trong nm 2008 ca
Eximbank l 15%, thp hn so vi mc bnh qun 21% ca ton ngnh. Vi nh hng tng cng
m rng mng li giao dch v a dng ha knh phn phi sn phm dch v, Eximbank ang
tng bc ci thin th phn ca mnh so vi cc ngn hng khc ti Vit Nam.
Kh nng cnh tranh
Eximbank thuc nhm nhng NHTMCP hng u ti Vit Nam hin nay xt v qui m hot
ng, ti sn v vn iu l. Thng hiu ca Eximbank khng nhng c khch hng trong
nc cng nhn m cn c hng lot cc t chc ti chnh quc t nh gi cao. Kh nng
cnh tranh mnh m ca Eximbank c th hin kh r rng qua cc mt: l mt trong nhng
ngn hng c quy m vn iu l ln nht; tnh hnh ti chnh vng mnh; kinh doanh hiu qu;
trnh cng ngh hin i; nhn lc c trnh , kinh nghim v chuyn mn cao; mng li
hot ng rng khp; u th ni bt trong nhiu lnh vc hot ng chnh nh ngn hng bn
l, ti tr thng mi, hot ng kinh doanh th Tuy nhin, trong tng lai, th trng ngn
hng Vit Nam s chu s cnh tranh mnh m t cc NHTM trong nc v c cc ngn hng
BN CO BCH
45

100% vn nc ngoi mi v s c thnh lp ti Vit Nam. y l thch thc ln, nhng
cng l c hi Eximbank khng ngng t hon thin mnh v nng cao nng lc cnh tranh.
6.5.4
Cc d n u t xy dng c bn v cng ngh v ang thc hin
tip tc pht trin v m rng hot ng kinh doanh ca mnh, hin ti Eximbank ang trin
khai cc d n sau:
-
K hoch u t xy dng c bn ca EIB tnh ti thi im 30/06/2009:
Bng 20: K hoch u t xy dng c bn ca EIB tnh ti thi im 30/06/2009

Stt
D n
Xy
1
dng
cao
Tng mc
Mc hon
u t
thnh theo
(Triu ng)
Q u t
vn
phng 78 Trn Quang Khi,
dng
cao
32.676
31/03/2011
ang thc hin thit k c s

xin php xy dng
vn
phng 55 - 55A Nguyn Ch
215.367
30/06/2012
Thanh, Qun 5, TP.HCM
trin khai ti ngy 30/06/2009

c thng tin quy hoch,
Qun 1, TP.HCM
Xy
Cng vic ang
Mua tr s chi nhnh v

phng giao dch
ang thc hin cung cp thng

tin quy hoch
thc hin mua sm 192.000
628.000
triu ng v ang tip tc trin

khai mua sm.
Cc d n u t cng ngh d kin trin khai trong 2009 - 2010:
Bng 21: K hoch u t cc d n cng ngh ca EIB giai on 2009 - 2010
Stt
D n
Tng mc u
t (USD)
Cng c h tng cng ngh thng tin
170.000
H tr pht trin hot ng kinh doanh
32.700
H tr qun tr v vn hnh h thng
28.300
BN CO BCH
Tnh hnh trin khai

Trin khai trong nm 2009, d
kin hon thnh nm 2010
46

7. Bo co kt qu kinh doanh nm 2007, 2008 v 06 thng u nm 2009
7.1
Tm tt mt s ch tiu v hot ng kinh doanh ca Ngn hng
7.1.1
Kt qu hot ng kinh doanh
Bng 22: Kt qu kinh doanh ca EIB 2007 - 30/06/2009

n v tnh: triu ng
CH TIU
2007
Tng gi tr ti sn
2008
30/06/2009
33.710.424
48.247.821
54.826.508
2.115.500
4.813.835
2.307.586
Thu v cc khon phi np
165.430
258.218
95.373
Li nhun trc thu
628.847
969.232
811.006
Li nhun sau thu
463.417
711.014
715.633
Doanh thu (Tng thu nhp)
Biu 11: Qui m tng ti sn EIB 2007 30/06/2009

6 5 .0 0 0
T ng
Tng ti sn
Tng trng
5 5 .0 0 0
5 4 .8 2 6
4 5 .0 0 0
3 5 .0 0 0
4 8 .2 4 7
3 3 .7 1 0
2 5 .0 0 0
1 5 .0 0 0
8 3 ,9 %
4 3 ,1 %
5 .0 0 0
2007
2008
1 3 ,6 %
Qu 2 /2 0 0 9
Biu 12: Li nhun trc thu EIB 2007 30/06/2009

1 .2 0 5 .0 0 0
T n g
Li nhun trc thu

3 3 3 1 ,3 %
Tng trng
1 .0 0 5 .0 0 0
9 6 9 .2 3 2
8 0 5 .0 0 0
6 0 5 .0 0 0
8 1 1 .0 0 6
6 2 8 .8 4 7
4 0 5 .0 0 0
2 0 5 .0 0 0
5 4 ,1 %
-1 6 ,3 %
5 .0 0 0
2007
BN CO BCH
2008
Qu 2 /2 0 0 9
47

7.1.2
a.
Cc ch tiu khc
Thu nhp
Bng 23: Bng thu nhp EIB 2007 - 30/06/2009

n v tnh: triu ng
Ch tiu
Thu nhp tn dng
2007
S tin
T trng
S tin
30/06/2009
T trng
S tin
T trng
1.508.393
71,30%
3.568.873
74,14%
1.572.374
68,14%
607.107
28,70%
1.244.962
25,86%
735.212
31,86%
2.115.500
100%
4.813.835
100%
2.307.586
100%
Thu nhp phi tn dng

Tng thu nhp
2008
b.
Chi ph
Bng 24: Bng chi ph EIB 2007 - 30/06/2009

n v tnh: triu ng
Ch tiu
Lng v chi ph lin quan
2007
S tin
2008
T trng
S tin
30/06/2009
T trng
S tin
T trng
172.088
11,58%
282.709
7,35%
180.027
12,03%
24.411
1,64%
37.504
0,98%
27.208
1,82%
Chi ph hot ng khc
1.290.154
86,78%
3.524.390
91,67%
1.289.345
86,15%
Tng chi ph
1.486.653
100%
3.844.603
100%
1.496.580
100%
Chi ph khu hao
c.
Khu hao TSC
Nguyn tc hch ton k ton:

Ti sn c nh hu hnh v ti sn c nh v hnh
Ti sn c nh c th hin theo nguyn gi tr i khu hao ly k. Nguyn gi bao gm ton
b cc chi ph m EIB phi b ra c c ti sn c nh tnh n thi im a ti sn
vo trng thi sn sng s dng.
Khu hao
Ti sn c nh c tnh khu hao theo phng php ng thng tr dn nguyn gi ti
sn qua sut thi gian hu dng c tnh nh sau:
BN CO BCH
48

Loi ti sn
T l khu hao hng nm
Tr s lm vic
2% - 4%
Thit b vn phng
10% - 20%
Phng tin vn chuyn
10% - 16%
Ti sn c nh khc
10% - 20%
Phn mm vi tnh
10% - 20%
(*) Quyn s dng t ca EIB khng khu hao v quyn s dng t ny c tnh cht lu di
Gi tr khu hao TSC ca EIB qua cc nm:
Bng 25: Bng chi ph khu hao TSC
n v tnh: triu ng
Ch tiu
2007
Ta nh
2008
30/06/2009
1.613
2.561
1.369
11.912
17.120
14.373
Xe c
2.191
5.227
3.560
Ti sn c nh khc
4.054
8.074
5.215
Phn mm vi tnh
4.641
4.522
2.691
24.411
37.504
27.208
Thit b vn phng
Tng cng
d.
Hot ng u t
Bng 26: Hot ng u t ca EIB 2007 - 30/06/2009

Bng n v tnh: triu ng
STT
Loi hnh
Chng khon u t
sn sng bn
Chng khon n gi
n ngy o hn
Chng khon kinh
S d u t
2007
T trng
S d u t
T trng
2008
S d u t
30/06/2009
T trng
5.682.169
83,79%
1.267.081
14,9%
729.187
11,1%
400.100
5,9%
6.367.582
75%
4.960.623
75,4%
8.257
0,12%
0%
26.985
0,4%
doanh
Gp vn u t
690.538
10,19%
860.587
10,1%
864.794
13,1%
Tng cng
6.781.064
100%
8.495.250
100%
6.581.589
100%

BN CO BCH
49

Bng 27: CHI TIT CC KHON GP VN U T TNH N 31/12/2008
n v tnh: triu ng
STT
Tn doanh nghip
Vn gp thc t
Cng ty FIDECO
6.112
Ngn hng TMCP Vit
77.933
Ngn hng TMCP Gia nh
13.166
Ngn hng TMCP Phng Nam
Ngn hng TMCP Nh H Ni
Cng ty TNHH o to nghip v Ngn hng
Cng ty CP Chng khon Rng Vit
Cng ty CP Bo him Nh Rng
79.040
Cng ty c phn bo him AAA
110.566
10
Cng ty c phn cng nghip Cao su Min Nam
3.800
11
Cng ty c phn Cng ngh Nguyn Hong
6.600
12
Cng ty c phn Dch v Kinh doanh Vng XNK Kim Vit
1.650
13
Cng ty c phn g Trn c
93.780
14
Qu thnh vin Vietcombank 1
22.330
15
Qu u t tng trng Vit Long
30.450
16
Qu Tm nhn SSI
17
Cng ty CP Bt ng sn t Thnh (Citiland)
15.000
18
Cng ty CP u t v pht trin Du lch Vinaconex
30.000
19
Cng ty CP u t v Kinh doanh Vng Vit Nam
150
20
Cng ty CP u t pht trin h tng Ph Quc
200
21
Cng ty CP Hng khng ng Dng
18.000
22
Cng ty CP Bt ng sn Eximland
33.000
592
42.370
150
110.700
165.000
Tng cng
860.587
Ngun: Eximbank
BN CO BCH
50

e.
Cc ch tiu khc
Bng 28: Mt s ch tiu khc

Ch tiu
2007
2008
30/06/2009
Thu nhp rng t li/TTS bnh qun
2,63%
3,22%
1,78%
Thu nhp ngoi li/TTS bnh qun
1,28%
1,51%
0,70%
Chi ph hot ng/TTS bnh qun
1,36%
1,47%
0,67%
Li nhun trc thu/TTS bnh qun
2,42%
2,37%
1,57%
Li nhun rng/TTS bnh qun
1,78%
1,74%
1,22%
Sut li nhun/Vn t c (ROE)
8,00%
7,43%
4,77%
Ngun: Eximbank
7.2
Nhng nhn t nh hng n hot ng kinh doanh ca Eximbank nm 2008
Nm 2008 tnh hnh kinh t th gii din bin phc tp v kh lng. Cuc khng hong ti chnh
ton cu c tm im t M dn n s v hng lot cc nh ch ti chnh, y nhiu nn
kinh t ln ri vo suy thoi, ko theo s suy gim chung ca kinh t th gii. Nn kinh t Vit Nam
ang trong tin trnh hi nhp vi kinh t th gii nn khng th trnh khi s tc ng. Nhng nh
hng t bn ngoi cng vi nhng vn ni ti ca nn kinh t lm cho nn kinh t trong
nc gp rt nhiu kh khn.
Trong nhng thng u nm 2008, tip ni lm pht cui nm 2007 cng vi nh hng ca gi
xng du lm gi tiu dng tng rt cao (ch s gi tiu dng thng 09/2008 so vi thng
12/2007 tng 21,87%), mt bng li sut huy ng ca cc ngn hng cng b y ln cng lm
pht, xy ra hin tng st la go do tin n v u c... Trc tnh hnh , Chnh ph ra 8
nhm gii php nhm kim ch lm pht, n nh kinh t v m, bo m an sinh x hi v tng
trng bn vng. Trong 6 thng u nm 2008, Ngn hng Nh nc s dng ng b, quyt
lit cc gii php tht cht tin t nhm kim ch lm pht, n nh kinh t v m. Nhng thng cui
nm 2008, tnh hnh lm pht t ngt o chiu, sn xut kinh doanh nh tr, th trng bt ng
sn ri vo tnh trng ng bng, th trng chng khon suy gim... Trc nhng din bin mi
ca tnh hnh kinh t, Chnh ph ra nhng gii php cp bch nhm ngn chn suy gim kinh
t nh tp trung thc y sn xut kinh doanh v xut khu, kch cu u t v tiu dng, gim
thu, gin thi hn np thu, ci cch th tc xut khu, to iu kin tng cng kh nng tip cn
ngun vn tn dng cho cc doanh nghip... Trong 6 thng cui nm 2008, Ngn hng Nh nc
tng bc ni lng chnh sch tin t bng cc gii php linh hot thc y pht trin sn
xut kinh doanh v ch ng ngn nga suy gim kinh t.
Trong bi cnh mi trng kinh doanh nhiu bin ng, c ch chnh sch thay i, kinh t kh
khn lm pht sinh nhiu loi ri ro nh: ri ro thanh khon, ri ro li sut, ri ro t gi, ri ro tn
BN CO BCH
51

dng vi nguy c n xu v n qu hn tng cao... tc ng rt ln n hot ng ca cc ngn
hng thng mi ni chung v Eximbank ni ring. Mc d vy, Eximbank vn duy tr c tc
pht trin v tng trng kh cao so vi nm 2007.
8. V th ca Ngn hng so vi cc ngn hng cng ngnh
8.1
V th ca Ngn hng trong ngnh
Bng 29: S liu so snh gia EIB vi cc ngn hng khc n 30/06/2009
n v: T ng
Tnh n 30/06/2009
VCB
CTG
ACB
STB
SHB
TCB
MB
EIB
Tng ti sn
215.652
218.561
129.788
83.634
19.223
74.805
46.530
54.827
Tng d n cho vay
131.221
136.385
51.026
49.199
7.104
33.422
20.271
30.288
Tng vn huy ng
154.848
139.413
90.613
57.067
11.352
39.792
38.129
36.394
Vn iu l
12.101
11.252
6.356
5.116
2.000
4.337
3.400
7.220
Tng vn ch s hu
15.081
13.381
7.581
7.634
2.349
6.388
4.586
13.581
Li nhun trc thu
2.930
2.078
1.331
1.011
334
1.031
861
811
Li nhun sau thu
2.285
1.589
1.045
779
251
773
646
630
ROA
1,1%
0,7%
0,8%
0,9%
1,3%
1,0%
1,4%
1,2%
ROE
15,1%
11,9%
13,8%
10,2%
10,7%
12,1%
14,1%
4,8%
275
680
202
260
89
182
95
121
Mng li hot ng
Ngun: Tng hp d liu t cc thng tin c cng b ca cc ngn hng
Ghi ch:
-
TCB: Ngn hng thng mi c phn K thng Vit Nam (Techcombank)
MB: Ngn hng thng mi c phn Qun i
Qua bng thng k mt s ch tiu hot ng ca nhm cc ngn hng TMCP hng u Vit
Nam hin nay, EIB ni bt vi mt s im ng ch sau:
V tng vn ch s hu: nu tnh c hai NHTM quc doanh c phn ha mi nim yt trong qu 2
- 3/2009 l VCB v CTG th EIB vi tng vn ch s hu 13.581 t ng, l ngn hng c tng vn
ch s hu ng th 2 trong h thng cc NHTMCP Vit Nam sau VCB . Tuy nhin nu ch so snh
vi cc NHTMCP ngoi quc doanh th EIB l ngn hng c vn ch s hu ln nht hin nay.
V tng ti sn: xt v qui m tng ti sn th EIB thuc nhm 5 ngn hng TMCP c tng ti sn cao
nht hin nay (khng tnh VCB v CTG) vi tng gi tr l 54.827 t ng, ng sau ACB, STB v
TCB. Tuy nhin do vn ch s hu ca Eximbank c s tng trng t bin trong nm 2007 thng
qua vic pht hnh cho cc i tc chin lc, do , mt s ch tiu nh Tng ti sn, ROA, ROE c
vnh cn thi gian khc phc.
V ngun vn huy ng: xt v ch tiu ngun vn huy ng th EIB thuc nhm 5 NHTMCP (khng
tnh VCB v CTG) c ngun vn huy ng cao nht hin nay, tuy nhin nu xt v s tuyt i th vn
BN CO BCH
52

c s khc bit kh ln v ngun vn huy ng ca nhm 5 NHTMCP hng u ny nh ngun vn
huy ng ca ACB, STB so vi nhm cc ngn hng EIB, TCB, MB.
V d n tn dng: xt v ch tiu d n tn dng th EIB thuc nhm 5 NHTMCP (khng tnh VCB v
CTG) c d n tn dng cao hin nay, vi tng d n tn dng ca Eximbank l 30.288 t ng, nhng
so vi 02 NHTM quc doanh l VCB, CTG th cc NHTMCP cn li vn cn thp hn rt nhiu ln (d
n ca VCB: 131.221 t ng, CTG: 124.739 t ng).
V mng li hot ng: n thi im 30/6/2009, tng s im giao dch ca EIB l 121 im, nu so
vi nhm cc NHTMCP nh ACB, STB th EIB vn cn kh khim tn. Tuy nhin nu tnh trong thi
gian 2007 2008 th hot ng pht trin mng li giao dch ca EIB c s tng trng vt bc.
V ngun nhn lc: i ng lnh o u l nhng ngi c kinh nghim lu nm trong lnh vc ngn
hng, c bit cc dch v l th mnh ca Eximbank nh kinh doanh ngoi t, thanh ton quc t,
ti tr xut nhp khu. S thnh cng ca Eximbank trong giai on chn chnh v cng c 05 nm
qua chng t nng lc v ngun nhn lc ca EIB.
So vi cc NHTMCP hng u Vit Nam hin nay, Eximbank c nhng bc tin vt bc
trong vng 02 nm t 2007 - 2008, Eximbank vn ln tr thnh mt trong nhng ngn hng
c tng vn ch s hu cao nht trong cc NHTMCP hng u Vit Nam. Tng vn huy ng
v tng d n cho vay ca Eximbank giai on 2005 2009 c tc tng trng bnh qun
gp 2 ln so vi tc tng trng bnh qun ca c ngnh, a th phn ca Eximbank tng
trng nhanh trong khi cc NHTMCP. S lng chi nhnh v phng giao dch t hn so vi
Sacombank v ACB l mt hn ch trong ngn hn i vi Eximbank trong vic gia tng th
phn. Tuy nhin, sau thi gian thc hin chn chnh v cng c, Eximbank ch trng v y
mnh cng tc m rng mng li.
Vi mc li nhun trc thu l 811 t ng trong 6 thng u nm 2009, Eximbank gi v tr
th 05 sau ACB, STB, TCB v MB v ch tiu li nhun hot ng ((khng tnh VCB v CTG).
8.2
Chin lc pht trin
Sau khi nim yt c phiu trn th trng chng khon tp trung, tn dng nhng th mnh sn
c v nhng u th ca vic nim yt, trung thnh vi nh hng chin lc pht trin
Eximbank s tip tc y nhanh tc pht trin ca mnh nng cao nng lc cnh tranh,
nhm p ng cc yu cu hi nhp quc t trong nhng nm ti.
Mc tiu
Xy dng Eximbank tr thnh Tp on u t ti chnh a nng nm trong tp 5 tp on ti
chnh ngn hng hng u ti Vit Nam c phm vi hot ng trong nc v quc t .
Trong giai on t nay n cui nm 2011, Eximbank tip tc duy tr l mt trong s 5 ngn
hng thng mi c phn ln nht ca Vit Nam. Sau nm 2011 n 2015, Eximbank tng
BN CO BCH
53

bc phn u tr thnh tp on Ti chnh ngn hng a nng nm trong tp nhng tp on
ti chnh ngn hng hng u ti Vit Nam vi hot ng th trng ti chnh trong nc, khu
vc v quc t;
Chin lc kinh doanh giai on 2009 2011:
t c mc tiu v nh hng pht trin (nu trn), chin lc pht trin ca Eximbank
giai on 2009 - 2011 l tip tc thc hin chin lc tp trung v khc bit ha trn tng lnh
vc ct yu ca hot ng ngn hng thng mi (ngn hng bn l, ngn hng bn bun ti
tr xut nhp khu, kinh doanh ngoi hi, vng v kinh doanh vn), tng bc xm nhp
nhanh, c chn lc vo lnh vc ngn hng u t v ti tr d n; ng thi pht trin nhanh
cc dch v ti chnh.
-
Chin lc tp trung th hin bng n lc vo tng phn khc th trng theo tiu thc
vng a l, mng phn phi, nhm khch hng ring bit trn tng khu vc th trng.
Chin lc khc bit th hin bng s khc bit, vt tri ca Eximbank trong vic la
chn pht trin sn phm, dch v, cng ngh mang tnh chin lc, then cht, mang tnh
cnh tranh nhm to n by m rng th phn trong nc, tng bc vn ra th trng
quc t.
Thc hin v t mc tiu da trn nn tng ct li (tam gic chin lc): nng lc ti
chnh nhn lc v cng ngh.
Vi phng chm hnh ng: pht trin bn vng, an ton, hiu qu. Cnh tranh bng nhng
sn phm/ dch v tin ch vt tri, mang nt c th ca Eximbank Bin li th v vn,
cng ngh, ngun nhn lc, danh ting ca EIB - c hi tng nhanh quy m thnh li th
cnh tranh; bin thch thc, cnh tranh thnh ng lc pht trin
Qun tr v thc hin chin lc: qun tr v thc hin thnh cng chin lc pht trin,
Eximbank da trn: ngun lc ti chnh; nhn lc; cng ngh; knh phn phi; pht trin sn
phm dch v v qun tr ri ro. Eximbank xy dng cc chin lc, chnh sch kinh doanh c
th sau y:
1. Chin lc ngn hng bn l, ti tr xut khu, kinh doanh ngoi hi v vng, kinh
doanh vn v ngn hng bn bun
2. Chin lc khch hng v phn khc th trng
3. Chin lc v chnh sch pht trin cng ngh;
4. Chin lc pht trin mng li giao dch v knh phn phi (gn lin vi k hoch u
t TSC v trang thit b cho mng li);
5. Chin lc & chnh sch o to, pht trin ngun nhn lc;
BN CO BCH
54

6. Chin lc Marketing - PR - xy dng v pht trin thng hiu (gn lin vi pht trin
vn ha doanh nghip vn ha Eximbank);
7. Chin lc & chnh sch u t ti chnh;
8. Chin lc & chnh sch qun tr cng ty v qun l ri ro ;
9. Thnh lp/mua li hoc lin danh thnh lp mt s cng ty & n v thnh vin m
Eximbank l ch s hu hoc nm quyn chi phi.
Gii php chnh yu:
(1) Tp trung ch o qun tr chin lc theo hng qun tr, iu hnh tp trung thng
nht, x l giao dch tp trung, kim sot tp trung nhng phn cp hoc u quyn khi
quyt nh ph hp vi iu kin thc t.
(2) Tng cng nng lc iu hnh h thng ca cc cp qun tr Hi s.
-
Xy dng b my qun l ri ro ton h thng theo hng pht trin h thng thng
tin qun l tp trung v qun l ri ro c lp vi s gim st ca Ban kim sot.
Xc nh c ch phn cp, y quyn, c ch khuyn khch ph hp to iu kin p

ng kp thi nhu cu ca khch hng, yu cu an ton hiu qu ca Ngn hng v
vic gi, thu ht nhn ti. Sm hon thnh v trin khai trong ton h thng m hnh
t chc kinh doanh theo nh hng khch hng, ch ng tm n khch hng;
nng cao cht lng dch v ngn hng, gin tin cc th tc khi giao dch trn c s
tn dng tin ch ca cng ngh thng tin hin i to thun li cho khch hng;
Tng bc ci tin m hnh t chc b my v phng thc qun tr ph hp vi cc

chun mc quc t v tc pht trin ca Eximbank, ph hp vi quy m, tc
v tm vc mi hng n tp on ngn hng & ti chnh (a nng - hin i);
(3) Tip tc duy tr tc v ch trng hn na cht lng pht trin mng li giao dch v
a dng ha knh phn phi nhanh chng chim lnh th phn v th trng. Song
song vi vic a dng ho sn phm c xc nh l im ct li, l mi nhn pht
trin dch v ngn hng c nhn v ngn hng cho doanh nghip, tp trung vo cc sn
phm c hm lng cng ngh cao, c c im ni tri so vi cc sn phm trn th
trng nhm to s khc bit trong cnh tranh.
(4) Tng bc m rng phm vi hot ng kinh doanh ra ngoi lnh th Vit Nam, tng
bc thm nhp v cnh tranh cung cp cc sn phm, dch v ngn hng trn th
trng khu vc ASEAN v quc t.
(5) Tng cng cng tc marketing, trong ch trng hot ng PR, tip tc hon thnh
chin lc tng th v hot ng marketing v PR, thc hin cc hot ng quan h
cng chng, quan h vi nh u t (c ng), cng b thng tin v kp thi ng ph vi
BN CO BCH
55

nhng thng tin tht thit c th gy hiu nhm cho nh u t v nh hng n uy tn
v thng hiu Eximbank.
(6) Xy dng h thng tnh im khch hng nhm gim thiu ri ro, gip cho vic ra quyt
nh cho vay nhanh chng, chnh xc; xy dng chng trnh xc nh mc li nhun
ca tng phn on (tng nhm) khch hng, tng loi hnh dch v c cc nh
hng pht trin ph hp, qua thc hin tt chnh sch khch hng.
(7) Mc tiu ca EIB l thnh lp h thng cc cng ty thnh vin, m rng quy m hot
ng, thm nhp v chim lnh th trng. y cng l mt trong cc gii php a
dng hot ng v a dng ho knh phn phi ca Eximbank.
8.3
Cc ch tiu c bn ca Eximbank n 2011

n v tnh: triu ng
Ch tiu
2009E
2010F
Tng ti sn
63.300.000
90.000.000
130.000.000
Vn ch s hu
13.900.000
14.000.000
15.000.000
4.155.000
6.795.000
10.938.000
558.000
765.000
1.054.000
Tng thu nhp hot ng kinh doanh
4.713.000
7.560.000
11.992.000
Tng chi ph hot ng kinh doanh
3.003.000
4.629.000
7.669.000
Thu nhp hot ng kinh doanh thun
1.710.000
2.931.000
4.323.000
210.000
451.000
963.000
1.500.000
2.480.000
3.360.000
375.000
620.000
840.000
1.125.000
1.860.000
2.520.000
8,41%
13%
17%
T l chi tr cho c ng
34%
32%
30%
- Chi tr c tc (bng tin mt)
12%
12%
13%
- Pht c phiu thng t cc qu d tr
22%
20%
17%
30,56%
20% - 22%
15% - 18%
Thu nhp li v khon tng ng

Thu nhp ngoi li thun
Chi ph d phng ri ro tn dng

Li nhun trc thu
Thu thu nhp doanh nghip
Li nhn sau thu
T sut li nhun/Vn ch s hu bnh qun
H s an ton vn (%)
2011F
Ngun: Chin lc pht trin Eximbank

BN CO BCH
56

8.4
nh gi im mnh im yu; c hi thch thc (SWOT)
8.4.1
im mnh
Nng lc ti chnh:
L NHTMCP c qui m vn ch s hu ln nht n 30/6/2009.
Nhn lc:
i ng lnh o ch cht trong HQT v Ban iu hnh u l nhng ngi c kinh
nghim lu nm trong lnh vc qun tr ngn hng ni chung v cc nghip v ch yu
ca Eximbank nh ngn hng bn l, kinh doanh ngoi t, kinh doanh vng, thanh
ton quc t, ti tr xut nhp khu.
C kinh nghim khc phc kh khn v vt qua khng hong: s thnh cng ca
Eximbank trong giai on chn chnh v cng c 05 nm qua chng t nng lc
ca HQT v Ban iu hnh. y s l kinh nghim qu bu cho vic iu hnh ca
Ngn hng trong tng lai.
i ng cn b cng nhn vin nhit huyt, c o to bi bn, c trnh nghip
v tt, thi phc v tn tm, chuyn nghip.
Quan h trong nc v quc t:
C h thng mng li ngn hng i l hn 65 nc trn ton th gii.
C uy tn v hot ng kinh doanh ngoi hi, thanh ton quc t v ti tr xut nhp
khu.
C i tc chin lc SMBC l mt s cc tp on ti hng u trn th gii. (SMBC
s h tr Eximbank trong vic xy dng chin lc, qun tr iu hnh, qun tr ri ro,
pht trin th phn v cc gi hp tc k thut khc) v 17 i tc chin lc trong
nc. Cc hp tc lin minh chin lc ny l nn tng Eximbank nng cao sc
canh tranh, pht trin nhanh v bn vng.
Sn phm dch v: c th mnh trong vic cung cp cc sn phm dch v h tr tt cho hot
ng ca doanh nghip nh thanh ton quc t, sn phm phi sinh. Li sut cho vay ca
Eximbank thp hn so vi cc ngn hng TMCP v trung bnh so vi ngn hng thng mi
quc doanh.
Chnh sch: chnh sch khch hng linh hot.
Thng hiu: l NHTMCP u tin ti Vit Nam v l Ngn hng c danh ting trong s cc
NHTMCP hng u ti Vit Nam. Thng hiu Eximbank to li th ln cho Ngn hng trong
cc hot ng kinh doanh trong v ngoi nc.
8.4.2
im yu
Qui m tng tch sn: cn hn ch, cha p ng vi yu cu pht trin.
BN CO BCH
57

Cng ngh: nn tng cng ngh v h tng c s IT ca ngn hng cn c nng
cp thm p ng c yu cu ca hi nhp.
Mng li hot ng: mng li chi nhnh v h thng bn l trong nc cn t.
8.4.3
C hi
Tip cn vi cng ngh hin i: l NHTMCP u tin c chn tham gia vo d n
H thng thanh ton v hin i ho ngn hng Vit Nam, Eximbank s c nhiu c
hi tip cn vi cng ngh hin i nh: qun l ri ro, qun l khch hng, qun l
nhn s v cng ngh tin hc...
a dng ho sn phm dch v: trn nn tng cng ngh ngn hng hin i, tip cn
vi cc sn phm ti chnh hin i trn th gii.
Th trng cho hot ng ngn hng ni chung v th trng xut nhp khu ni ring
ngy cng pht trin, y l c hi Eximbank pht huy cc th mnh ca mnh, c
bit l hot ng thanh ton xut nhp khu.
8.4.4
Mi e da
p lc cnh tranh t hi nhp: cng vi tin trnh m ca ca lnh vc ti chnh - tin
t, Eximbank s chu s cnh tranh ngy cng gia tng t pha cc ngn hng nc
ngoi c nhiu li th v vn v cng ngh.
Sn phm dch v thay th: s pht trin ca th trng vn s l nhn t tim tng
nh hng ti nhu cu ca cc c nhn v t chc v sn phm, dch v ngn hng
8.5
Trin vng pht trin ca ngnh
Nn kinh t Vit Nam thi gian qua lun t mc tng trng cao vi tim nng duy tr tc
tng trng trong cc nm tip theo. Tc tng trng GDP nm 2007 t 8,44%, cao hn
nm 2006 (8,17%) v l mc cao nht trong vng 11 nm gn y. Vi tc ny, Vit Nam
ng v tr th 3 v tc tng GDP nm 2007 ca cc nc chu sau Trung Quc (11,3%)
v n (khong 9%) v cao nht trong cc nc ASEAN. Nm 2008, do nh hng ca
khng hong kinh t ton cu, tc tng trng GDP tng chm li, ch t 6,23%. Tuy nhin,
theo d bo, n ht nm 2009, nn kinh t Vit Nam cng nh ton cu s dn thot ra khi
cuc khng hong v bt u phc hi.
Vi vai tr m bo hot ng lun chuyn vn cng nh tnh thanh khon ca nn kinh t, s
pht trin ca nn kinh t to nhng tin thun li cho ngnh ngn hng. S lng cc
ngn hng tng t 9 trong nm 1991 ln 96 ngn hng vo nm 2008. Tnh n cui nm 2008,
c nc c 6 ngn hng thng mi nh nc, 38 ngn hng thng mi c phn, 5 ngn hng
100% vn nc ngoi, 42 chi nhnh NHTM nc ngoi v 5 ngn hng thng mi lin doanh.
Quy m hat ng ca h thng ngn hng cng tng ln nhanh chng. Nm 2002, tng ti sn
BN CO BCH
58

ca h thng ch t hn 334 ngn t ng chim 51% GDP. n nm 2007, tng gi tr ti sn
ton h thng tng ln hn 1.500 ngn t ng, bng hn 130% GDP. Mc tng tn dng
trong nc t bnh qun 29,6%/nm trong giai on 2002 - 2006 nh nhu cu tn dng ln ca
c hai th trng doanh nghip v bn l. c bit trong nm 2007, tng trng tn dng t k
lc 54% do th trng tn dng tr nn qu nng. Tc tng trng ny c iu chnh
gim trong nm 2008 khi cc NHTM thc hin ti c cu ti sn v hot ng thn trng hn
nhm thc hin mt trong nhng gii php kim ch lm pht ca Chnh ph.
Mc d tc pht trin ca ngnh ngn hng tng nhanh trong nhng nm va qua nhng
hin ti lnh vc ngn hng Vit Nam vn cn trong giai on pht trin ban u v cn rt
nhiu tim nng. Vi dn s khong 87 triu ngi (ng th 13 trn th gii), hin mi ch c
khong 7 triu ti khon c m trong c ti 6 triu ti khon c m trong 2 nm qua.
y l h qu ca nn kinh t s dng tin mt tn ti Vit Nam cho ti trc khi chuyn
sang nn kinh t th trng. T l tin mt/tng phng tin thanh ton Vit Nam cui nm
2007 l 18%, cao hn khong 8% so vi nhiu nc trong khu vc. c tnh khong 50% tit
kim c nhn c gi bn ngoi h thng ngn hng chnh thng di dng tin mt, vng v
cc ti sn khc. Trong cc nm ti, khi nn kinh t Vit Nam tip tc chuyn i t nn kinh t
tin mt sang h thng ti chnh chnh thng, t l thm nhp dch v ti chnh d kin s c tc
tng trng mnh m. C th, cui nm 2006, Chnh ph ph duyt n Thanh ton
khng dng tin mt v hin ang c trin khai quy m ln. Mc tiu ca n l n nm
2020, t l tin mt trn tng phng tin thanh ton l 15%, s lng ti khon c nhn t 45
triu, hn 90% ngi lao ng lnh lng qua ti khon v 95% khon thanh ton gia cc
doanh nghip c thc hin qua ngn hng.
So snh tn dng v tin gi ni a trn bnh qun u ngi ti Vit Nam vi cc th trng
mi ni ln cn cng cho thy tim nng tng trng ca khu vc ngn hng. Theo bo co
ca Ngn hng Pht trin Chu , nm 2005 Vit Nam c mc tn dng v tin gi bnh qun
u ngui tng ng l 445 USD/ngi v 310 USD/ ngi. Trong khi , s liu bnh qun u
ngi Trung Quc, Thi Lan, Malaysia cao gp 5,2 n 14,5 ln, dao ng t 2.310 USD n
5.876 USD. Cng vi s pht trin ca nn kinh t trong cc nm ti, hot ng ngn hng bnh
qun u ngi s c tc pht trin nhanh chng.
Bn cnh tc ng ca vic chuyn i kinh t t nn kinh t k hoch, s dng tin mt l
chnh sang nn kinh t th trng, vic hng cc dch v ti chnh vo khi ngn hng bn l
cn l kt qu ca dn s tr v tc th ha nhanh chng. Theo s liu thng k, hng
nm c khong 01 triu ngi n tui lao ng v 01 triu ngi sng nng thn ri ln
thnh th. y chnh l nhng khch hng s sm tip cn vi cc dch v ngn hng. Trc
kia, vic pht trin cc dch v ngn hng cn hn ch do dn c t tip cn vi h thng ngn
hng, 73% dn s sinh sng nng thn v cc vng min xa khng c tip cn vi cc chi
nhnh ngn hng hoc my ATM. Tuy nhin trong nhng nm gn y, Vit Nam ang tri qua
BN CO BCH
59

thi k tc th ha pht trin nhanh chng vi t l tng dn s th thnh l 3,6%/nm
trong giai on 2002 2005, lm tng nhu cu s dng cc dch v ngn hng. Vic m rng
mng li hot ng ca ngn hng phn no p ng nhu cu trn v thc y s pht trin
ca ngnh cng nghip ny.
n pht trin ngnh ngn hng n nm 2010 v nh hng n nm 2020 ca NHNN gm
cc ni dung c bn:
Hnh thnh ng b khung php l minh bch v cng bng nhm thc y cnh tranh
v bo m an ton h thng, p dng y hn cc thit ch v chun mc quc t
v an ton i vi hot ng tin t, ngn hng. Xa b phn bit i x gia cc loi
hnh TCTD v loi b cc hnh thc bo h, bao cp trong lnh vc ngn hng.
y nhanh qu trnh hi nhp kinh t quc t, ch ng hi nhp quc t v ti chnh
ngn hng theo l trnh v bc i ph hp vi nng lc cnh tranh ca cc TCTD v
kh nng ca NHNN v kim sot h thng.
Ci cch cn bn, trit nhm pht trin h thng cc TCTD Vit Nam theo hng hin
i, hot ng a nng, a dng v s hu v loi hnh TCTD, c qui m hot ng v
tim lc ti chnh mnh, to nn tng xy dng h thng cc TCTD hin i t trnh
pht trin tin tin trong khu vc Chu , p dng y cc chun mc quc t v hot
ng ngn hng, c kh nng cnh tranh vi cc ngn hng trong khu vc v th gii.
Tng cng nng lc ti chnh ca cc TCTD theo hng tng vn t c v nng cao
cht lng ti sn v kh nng sinh li. Tng bc c phn ha cc NHTMNN theo
nguyn tc thn trng, bo m n nh KT-XH v an ton h thng, cho php cc
nh u t nc ngoi, nht l cc ngn hng hng u th gii mua c phn v tham
gia qun tr, iu hnh cc NHTM Vit Nam.
8.6
nh gi v s ph hp nh hng pht trin ca Ngn hng vi nh hng ca

ngnh, chnh sch ca Nh nc, v xu th chung trn th gii
Trn c s nh gi ton din cc yu t kinh doanh cng vi kinh nghim hot ng qua 19
nm, Eximbank xc nh tm nhn tip tc khng nh v th trn th trng l: Phn u
a Eximbank tr thnh Tp on ti chnh ngn hng a nng t mc trung bnh trong khu
vc, nm trong tp 5 tp on ti chnh ngn hng mnh nht ca Vit Nam c v quy m v
hiu qu. Mang n s tha mn cho khch hng bng cht lng v s a dng ca sn
phm, dch v trn nn tng cng ngh hin i, thc y s hp tc cng c li. Xy dng mi
trng vn ha doanh nghip mang bn sc cng ng, ng gp quan trng cho vic xy
dng nn kinh t thnh vng ca quc gia v khng ngng gia tng li ch cho c ng.
nh hng chin lc ca Eximbank l:
BN CO BCH
60

-
Hot ng Ngn hng Thng mi l ct li, ch yu, pht trin v y mnh dch v
ngn hng bn l, tip tc m rng mng li hot ng trong nc.
a dng ha hot ng kinh doanh bng cch m rng v y mnh mt cch ph hp

cc lnh vc Ngn hng u t (t vn, mi gii, kinh doanh chng khon, qun l qu
u t), dch v bo him, cc dch v ti chnh v phi ti chnh khc, bao gm c bt
ng sn thng qua lin doanh vi cc i tc nc ngoi.
Pht trin trn nn tng:

Cng ngh Ngn hng hin i
C cu qun tr v m hnh t chc cng nh cc chun mc ph hp vi thng
l quc t tt nht
Ngun nhn lc c cht lng cao, c ng lc v c b tr, s dng tt
i ng khch hng ngy cng a dng, gn b
Khng ngng nng cao nng lc cnh tranh, ly pht trin bn vng lm mc tiu
xuyn sut v hiu qu kinh t lm mc tiu hng u.

Vi nh hng tip tc gi v th l mt trong nhng ngn hng dn u trong h thng
NHTMCP ti Vit Nam, rt ngn khong cch v quy m vi cc ngn hng nc ngoi,
Eximbank xy dng k hoch pht trin vi cc ch s tng trng cao v tng ti sn, huy
ng vn, d n tn dng ... cao hn tc tng trng bnh qun ca ngnh. Ngun vn ch
s hu cng s tng rt nhanh trong nhng nm ti bng li nhun li. Bn cnh yu t
tng trng, Eximbank cng rt ch trng vn n nh, an ton v hiu qu trong hot
ng. Ngn hng ang hng dn cng tc qun tr v iu hnh theo cc chun mc quc
t. Cc yu t th hin cc nh hng v chin lc kinh doanh ca Eximbank hon ton
ph hp vi nh hng ca ton ngnh ngn hng, sn sng cho thi k hi nhp kinh t khu
vc v th gii.
Vic xc nh mc tiu tng trng n nh trong cc nm ti v pht trin theo m hnh Tp
on ti chnh a nng vi hot ng ngn hng thng mi l hot ng ct li ca tp on l
ph hp vi trin vng pht trin ca ngnh cng nh xu hng gia tng mnh m nhu cu s
dng dch v ngn hng. Tim nng pht trin kinh t trong tng lai l c s cho vic xy dng
k hoch tng trng ti sn, m rng mng li. Bn cnh vic m rng cc dch v ti chnh,
pht trin cc sn phm mi nhm p ng nhu cu ngy cng gia tng ca nn kinh t,
Eximbank xc nh hot ng li ngn hng thng mi s gip duy tr hot ng n nh ca
ngn hng ngay c khi nn kinh t c nhng kh khn nht nh.
9. Chnh sch i vi ngi lao ng
9.1
S lng cn b nhn vin
Tnh n 30/06/2009 tng s lng cn b nhn vin ca Eximbank l 3.227 ngi, trong
phn loi theo trnh hc vn nh sau:
BN CO BCH
61

i hc v trn i hc
: 65%
Cao ng, Trung cp
: 15%
Lao ng ph thng
: 20%.
Biu 11: C cu trnh nhn s EIB ti ngy 30/06/2009
i hc
65%
Ph thng
20%
Cao ng,
trung cp
15%
9.2
Mc lng bnh qun
Eximbank lun i mi v xy dng chnh sch nhm thu ht cht xm, nhn ti. Tch cc
khuyn khch v tip nhn nhng cn b cc lnh vc khc, ph hp vi nhu cu pht trin
ca Eximbank, to pht trin mi trong mi trng cnh tranh v nhn lc nh hin nay.
Mc thu nhp ca CBCNV Eximbank khng ngng c ci thin v tng dn qua cc nm.
9.3
Nm 2005
: 4.170.000 ng/thng
Nm 2006
: 5.840.000 ng/thng
Nm 2007
: 7.417.000 ng/thng
Nm 2008
: 7.916.000 ng/thng
Chnh sch o to
Trong chin lc pht trin ca mnh, chin lc u t pht trin ngun nhn lc lun c lnh
o Eximbank coi trng v c k hoch, bc i thch hp nhm o to i ng cn b, nhn vin
p ng vi cc mc tiu k hoch v chin lc pht trin m Eximbank vch ra.
trng, tt c cc nhn vin trong h
Eximbank u c c hi tham d cc lp
hun luyn o to nghip v theo nhu cu cng vic bn trong v bn ngoi ngn hng, c
ngn hng ti tr mi chi ph.
Bn cnh vic c cn b, nhn vin i o to di hn v ngn hn cc vin, trng i hc
chuyn ngnh trong nc v nc ngoi, Eximbank cn t t chc o to v o to li cc
nghip v chuyn mn ln k nng qun tr ngn hng. Cc lp o to bi dng p ng
vic trang b cho nhn vin tinh thng nghip v, rn luyn k nng tc nghip qua thc hnh
thc thi cng vic theo ng quy trnh, quy ch, t yu cu cht lng, gp phn nng cao
hiu qu cng tc v hiu qu kinh doanh, phc v.
BN CO BCH
62

9.4
Ch khen thng
khen thng cho nhn vin ca Eximbank

ng dch v c
c hi
hot
nh chung, Eximbank
c cc ch c bn nh sau:
Mt nm, nhn vin c hng ti thiu 13 thng lng;
Thng cho cc n v, c nhn tiu biu trong nm, thng sng kin.
Thng trong cc dp l tt ca quc gia v k nim thnh lp Ngn hng.
9.5
Ch ph cp v bo him x hi
Tt c cn b, nhn vin k hp ng lao ng chnh thc ca Eximbank u c hng cc ch

ca ngi lao ng theo ng vi Lut Lao ng. Bn cnh , nhn vin ca Eximbank cn nhn
c ph
9.6
nh ph cp c hi, ph cp xa nh, ph cp chuyn mn, v.v...
Sinh hot on th
Eximbank quan tm v khuyn khch cc hot ng on th nh t chc cc chng trnh sinh

hot ngoi kho nhm tng kt hot ng, sinh hot chnh tr su rng. ng thi, cc bui sinh
hot ngoi kho cng l c hi giao lu, gii tr trong ni b to cho cn b nhn vin s gn
b trong cng vic t hiu qu. Eximbank cng thng xuyn t chc cc chng trnh ngh
mt hng nm cho cn b nhn vin.
Eximbank tham gia vo cc hot ng ng gp qu v ngi ngho ca TP. H Ch Minh v
cc tnh, ng gp h tr bo lt qua cc nm v tham gia vo cc cng tc t thin khc.
9.7
Chnh sch u i c phiu
Hin nay, nhu cu nhn s ca ngnh ngn hng tng vi tc 45,5%, trong s chuyn
dch nhn s trong ngnh ngn hng nm 2007 ti 14,6%. Trong bi cnh nh vy Eximbank
quyt nh thnh lp qu c phiu pht trin ngun nhn lc c s dng t nay n
31/12/2010 bn cho ngi lao ng, nhng ngi qun l, iu hnh, v thc hin chnh
sch thu ht nhn ti l nhng ngi , ang v s ng gp cng sc v s pht trin ca
Eximbank. Tiu chun v danh sch cn b cng nhn vin c mua c phiu s c Hi
ng qun tr thng qua theo tng giai on.
10.
Chnh sch c tc
HQT c trch nhim xy dng phng n phn phi li nhun v trch lp cc qu trnh
HC. Phng n ny c xy dng trn c s li nhun sau thu m Ngn hng thu c
t hot ng kinh doanh trong nm ti chnh sau khi thc hin ngha v np thu v ti chnh
khc theo quy nh ca php lut hin hnh. Bn cnh , Ngn hng cng xt ti k hoch v
BN CO BCH
63

nh hng kinh doanh, chin lc u t m rng hot ng kinh doanh trong nm ti a
ra mc c tc hp l.
Sau 05 nm thc hin vic chn chnh cng c, x l n tn ng, Eximbank ln u tin chia
c tc cho cc c ng vo nm 2005 vi t l c tc l 3,1%. Nm 2006, t l c tc ca
Eximbank l 17%. Trong 02 nm tip theo 2007, 2008 t l ny l 14% v 12% theo ng k
hoch chi tr c tc c Hi ng qun tr ra. Nm 2007 vn iu l Eximbank tng gp
2,3 ln, nm 2008 vn iu l ca Eximbank tng 158%, nhng Eximbank vn tr c tc cho c
ng mc 14% v 12% l mt c gng ln th hin s pht trin, tng trng v hiu qu cao
trong hot ng ca Eximbank.
Cn c theo k hoch li nhun nm 2009 c i hi ng c ng thng qua, t l c
tc nm 2009 d kin l 12%, trong 06 thng u nm 2009, Ngn hng tm ng c tc cho
c ng vi t l 8%.
Bng 30: T l c tc chi tr qua cc nm
Ch tiu
T l c tc
2005
2006
2007
2008
2009 (KH)
3,1%
17%
14%
12%
12%
(Ngun: Bo co thng nin 2005, 2006, 2007, 2008 v Ngh quyt i hi ng c ng ln th 23

ngy 01/04/2009)
11. Tnh hnh ti chnh

Bng 31: Cc ch tiu ti chnh ca EIB giai on 2007 30/06/2009
Ch tiu
2007
2008
30/06/2009
2.800.000
7.219.999
7.219.999
33.710.424
48.247.821
54.826.508
27%
45,89%
32,79%
Quy m vn
Vn iu l (triu ng)
Tng ti sn c (triu ng)
T l an ton vn
Kt qu hot ng kinh doanh
Ngun vn huy ng (triu ng)
24.181.906
33.936.162
40.316.855
D n cho vay (triu ng)
18.452.151
21.232.198
30.288.286
161.461
1.000.522
859.464
- T l LN sau thu/VL bnh qun
23,10%
14,19%
8,72%
- T l LN sau thu/TTS bnh qun
1,78%
1,74%
1,22%
N xu (triu ng)
H s s dng vn
BN CO BCH
64

Ch tiu
2007
- T l n bo lnh qu hn/tng s d bo lnh

- T l n xu/Tng d n (%)
2008
0,01%
0,88%
30/06/2009
0,38%
0,01%
4,71%
2,84%
Ngun: Eximbank
Bng 32: Kh nng thanh khon ca EIB ti ngy 30/06/2009

Gi tr TS C c th thanh
Ch tiu
ton ngay v Gi tr TS N
Trong 7 ngy tip theo
n hn trong 1 thng tip theo
(quy nh ti thiu l 1)
(quy nh ti thiu l 25%)
(VN)
(VN)
Ti sn "C" c th thanh ton ngay
15.079.882.799.000
19.119.876.779.000
Ti sn "N" phi thanh ton
19.879.320.093.425
7.457.028.483.466
T l
1 thng tip theo (%)
7 ngy tip theo
Gi tr cc ti sn "C" c th thanh ton

ngay v cc ti sn "N" s n hn thanh
75,86
ton trong thi gian 1 thng tip theo

Tng ti sn C c th thanh ton ngay
trong khong thi gian 7 ngy lm vic tip
2,56
theo v tng ti sn "N" phi thanh ton

trong khong thi gian 7 ngy tip theo.
12. Hi ng qun tr, Ban kim sot, Ban Tng gim c, K ton trng
12.1 Hi ng qun tr
Bng 33: Danh sch thnh vin HQT Eximbank ti ngy 30/06/2009
THNH VIN HI NG QUN TR
1
Ch tch HQT
ng Nguyn Thnh Long
Ph Ch tch HQT
ng Nguyn Vn Tr
Ph Ch tch HQT
B L Th Hoa
Ph Ch tch HQT
ng Phm Hu Ph
y vin
ng H Thanh Hng
y vin
ng V Tn Phong
y vin
ng Hong Tun Khi
BN CO BCH
65

8
y vin
ng Nguyn Hu Th
y vin
ng Nguyn Bn
10
y vin
ng Nguyn Quang Thng
11
y vin
ng Naoki Nishizawa
12.1.1.
ng Nguyn Thnh Long
1. H v tn
: Nguyn Thnh Long
2. Gii tnh
: Nam
3. Ngy thng nm sinh : 28/11/1951

4. Ni sinh
: Thnh ph H Ch MInh
5. S CMND
: 020151843 ; ngy cp: 14/9/2005; ni cp: TP. H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: G Cng Ty - Tin Giang
9. a ch thng tr
: 27A Phng Khc Khoan, P. a Kao, Q.1, TP. H Ch Minh
10. S in thoi lin lc c quan: (84-8) 38210055

11. Trnh vn ho
: i hc
12. Trnh chuyn mn : C nhn kinh t thng mi, C nhn Anh vn

13. Cc ngh nghip v chc v qua:
+
T 1970 1975: tham gia Cch mng thuc n v on y hc sinh sinh vin,
thnh on Si Gn
T 04/1975 02/1976: B th on i Hc Vn Hnh
T 03/1976 02/1976: Cn b on y hc sinh sinh vin Thnh on
T 02/1976 05/1979: Cn b nghin cu tng hp Thnh on
T 05/1979 08/1980: Ph vn phng Thnh on
T 08/1980 11/1988: Gim c xng c kh thnh on; Ph gim c nh xut

bn tr thuc Thnh on
T 11/1988 12/2000: Ph Gim c kim B th ng y cng ty Vng bc qu SJC
T 6/1999 n nay: Ch tch Hi ng qun tr Eximbank
T 12/2000 07/2003: Gim c kim B th ng y Cng ty vng bc qu SJC.
T 04/2003 07/2003: B th ng y Cng ty vng bc qu SJC
T 07/2003 09/2004: Ph Tng Gim c th nht cng ty vng bc qu SJC.
BN CO BCH
66

+
T 09/2004 nay: Tng Gim c vng bc qu
14. Chc v cng tc hin nay: Ch tch HQT Eximbank

15. Chc v ang nm gi cc t chc khc:
+
Tng Gim c Cng ty Vng bc qu TP. H Ch Minh SJC.
Ch tch HQT cng ty c phn chng khon Rng Vit
16. S c phn nm gi tnh n ngy 28/09/2009: 18.358.876 c phn

Trong :
+
S hu c nhn
: 110.952 c phn
i din s hu Cng ty Vng bc qu Si Gn
17. S c phn ca nhng ngi c lin quan
: khng
18. Hnh vi vi phm php lut
: khng
: 18.247.924 c phn
19. Quyn li mu thun vi li ch Ngn hng : khng

20. Cc khon n i vi Ngn hng
12.1.2.
: khng
ng Nguyn Vn Tr
1. H v tn
: Nguyn Vn Tr
2. Gii tnh
: Nam
3. Ngy thng nm sinh: 19/12/1940

4. Ni sinh
: Tin Giang
5. S CMND
: 023743930 ngy cp 14/8/1999 ni cp TP. H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: X M Phong - Tp. M Tho - Tin Giang
9. a ch thng tr
: 1A H Biu Chnh, P.12, Q. Ph Nhun, TP. H Ch Minh

11. Trnh vn ho
: i hc
12. Trnh chuyn mn : i Hc Kinh T K Hoch

+
T 1974-1975
: Trng Vn Phng Ban Ti Chnh Khu 8
T 1975-1976
: B Th Chi B - Trng chi nhnh Ngn Hng Tp. M Tho
T 1976-1981
: B Th Chi B - Ph Gim c Ngn Hng Nh Nc Tin Giang
T 1981-1988
: Tnh y Vin - Gim c Ngn Hng Tnh Tin Giang
T 1988-1990
: Gim c Ngn Hng Khu Vc I
BN CO BCH
67

+
T 1990 -2000
: Thnh y Vin - Gim c Chi nhnh NHNN TP. H Ch Minh
T 2000 nay
: Ph Ch tch Hi ng qun tr Eximbank
14. Chc v cng tc hin nay: Ph Ch tch HQT Eximbank

15. Chc v ang nm gi cc t chc khc: khng c
Trong :
+
S hu c nhn
: 550.000 c phn
i din s hu Ngn hng TMCP Chu
: 9.142.758 c phn (Trong phn
nhn y thc u t ca khch hng: 7.149.978 c phn)

Nguyn Th Minh Dng (con)
: 139.800 c phn
Nguyn Th Ngc Mn (con)
: 13.960 c phn
: khng
19. Quyn li mu thun vi li ch Ngn hng
: khng
: khng
12.1.3.
B L Th Hoa
1. H v tn
: L Th Hoa
2. Gii tnh
: N

4. Ni sinh
: TP Vinh Ngh An
5. S CMND
: 180070500 ngy cp 25/3/2002 ni cp Ngh An
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: TP Vinh Ngh An
9. a ch thng tr
: S 18, ng 84, P.Ging V, Q.Ba nh, H Ni
10. S in thoi lin lc c quan: (84-4) 39 349 974

11. Trnh vn ho
: i hc
12. Trnh chuyn mn : i hc kinh t Quc Dn

+
T 1972 1975
: Hc sinh cp 2
T 04/1975 1978
: Hc sinh cp 3 ti Vinh Ngh An
T 1978 1982
: Sinh vin trng H Kinh T Quc Dn
BN CO BCH
68

+
T 03/1983 05/1985
: Gio vin trng nghip v Ngn hng Ngh An
T 05/1985 01/1989
: Cn b tn dng Phng qun l ngoi hi NHNN Ngh An
T 01/1989 02/1991
: Cn b tn dng CN Ngn hng Ngoi thng Vinh
T 2/1991 6/1994
: Ph phng tn dng chi nhnh NHNT Vinh
T 06/1994 01/2003
: Ph Gim c chi nhnh Ngn hng Ngoi Thng Vinh
T 13/01/2003 nay
: Thnh vin HQT Ngn hng Ngoi Thng Vit Nam
14. Chc v cng tc hin nay: Ph Ch tch HQT Eximbank

+
Thnh vin HQT Ngn hng Ngoi Thng Vit Nam

Trong :
+
S hu c nhn
: 18.000 c phn
i din s hu Ngn hng TMCP Ngoi Thng Vit Nam
: khng
: khng
: 77.111.917 c phn

12.1.4.
: Khng
ng Phm Hu Ph
1. H v tn
: Phm Hu Ph
2. Gii tnh
: Nam

4. Ni sinh
: Tha Thin Hu
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Tha Thin Hu
9. a ch thng tr: 268 Nam K Khi Ngha, P.8, Qun 3, Tp. H Ch Minh
10. a ch lin lc: 153/13 Nguyn Vn Hng, Phng Tho in, Qun 2, Tp.HCM.
11. S in thoi lin lc c quan
12. Trnh vn ho
: (84-8) 38210131
: i Hc
13. Trnh chuyn mn : C nhn Kinh t

BN CO BCH
69

+
T 1970 - 1975
: Hc sinh trng PTTH C Chi.
T 04/1975 - 1978 : Cng tc Ban Kinh t mi Qun 3.
T 1978 - 1982
: B i S an 477 Qun khu 7. Trung i trng.
T 1982 - 1985
: Hc vn ha tp trung ti trng ph thng Lao ng. Tt
nghip i hc nm 1991.
+
T 1985 - 1999
: Gim c Cng ty xut nhp khu Tn nh
T 1999 - 2004
: Ch tch kim Tng Gim c Cng ty c phn Xut Nhp
khu Tn nh.
+
T 2004 - n nay : Ch tch HQT Cng ty CP u t ti chnh Si Gn - Chu
T 2008 n nay : Ph ch tch HQT Eximbank
15. Chc v cng tc hin nay: Ph ch tch HQT Eximbank

+
Ch tch HQT Cng ty Qun l qu Vit Long
Ph Ch tch HQT Cng ty c phn chng khon Rng Vit

Trong :
+
S hu c nhn
: 1.000.000 c phn
i din s hu CTCP u T Ti Chnh Si Gn - Chu
: khng
: khng
: 4.866.158 c phn

12.1.5.
: khng
ng H Thanh Hng
1. H v tn
: H Thanh Hng
2. Gii tnh
: Nam

4. Ni sinh
: Tin Giang
5. S CMND
: 020127461; ngy cp 25/09/1992 ; ni cp TP. H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Tin Giang
9. a ch thng tr
BN CO BCH
: 117 Trng nh, Phng 7, Qun 3, Tp. H Ch Minh

70

10. S in thoi lin lc c quan: (84-8)38210055
11. Trnh vn ho
: i hc
12. Trnh chuyn mn : C nhn kinh t, K s in t

+
T 1970 - 1972: vo chin khu giao lin C quan Bo Tin Phong
T 1972 - 1976: i hc min Bc Trng hc sinh Min Nam
T 1976 - 1979: v Nam tip tc hc Trng i hc Bch Khoa
T 1979 - 1982: B th Chi on pht x i ting ni Nhn dn TP.HCM, y vin

Ban chp hnh on c s.
T 1982 - 1984: Ph B th on c s i Ting ni Nhn dn TP.HCM; Ph b

th chi b k hoch vt t; Ph phng qun l truyn thanh.
T 1984 - 1986: B th on c s i ting ni Nhn dn TP.HCM; y vin Ban

chp hnh Qun on Qun I; Ph B th chi b i ting ni Nhn dn TP.HCM;
Trng phng K hoch - Vt t.
T 1986 - 06/1986: Trng phng K thut i ting ni Nhn dn TP.HCM.
T 06/1986 - 09/1989: Trng phng K hoch Kinh doanh Cng ty xut nhp
khu hng cng nghip TP.HCM, B th Chi b.
T 09/1989 - 10/2002: Gim c Cng ty sn xut Kinh doanh XNK TIE
T 10/2002 - 12/2002: Ph Gim c S Cng nghip TP.HCM kim Gim c

Cng ty sn xut Kinh doanh XNK TIE
T 2002 - 08/2004: Gim c Cng ty sn xut Kinh doanh XNK TIE
T 08/2004 - nay: cng tc ti Cng ty sn xut Kinh doanh XNK TIE
14. Chc v cng tc hin nay: y vin thng trc HQT Eximbank
+
Ch tch HQT Cng ty c phn Sng Vit

Trong :
+
S hu c nhn
: 1.667.814 c phn
i din s hu CTCP TIE
: 797.741 c phn

+
H Th M Trang (em)
: 844.221 c phn
: khng

BN CO BCH
71

12.1.6.
: khng
ng V Tn Phong
1. H v tn
: V Tn Phong
2. Gii tnh
: Nam

4. Ni sinh
: TP.H Ch Minh
5. S CMND
: 022012648; ngy cp: 24/01/2002; ni cp: TP.H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: TP. H Ch Minh
9. a ch thng tr: 17C Nguyn Ngc Phng, P.19, Q. Bnh Thnh, TP. H Ch Minh
10. S in thoi lin lc c quan: (84-8) 39303633, 39301707
11. Trnh vn ha: i hc
12. Trnh chuyn mn :
+
Tin s kinh t
K s c kh

+
T 1970-1983
: hc vn ha, chuyn mn, nghip v
T 1983 n nay : Ph Gim c Cng ty Thng mi k thut v u t PETEC,

Ch tch HQT Cng ty c phn Thng mi, Dch v v Cng nghip PETEC, y
vin HQT Cng ty c phn Bo him Nh Rng (Bo Long), y vin HQT Cng
ty c phn Ngoi thng v Pht trIn u t TP.HCM (FIDECO).
14. Chc v cng tc hin nay: y vin thng trc Hi ng qun tr Eximbank
+
Ph Gim c Cng ty Thng mi k thut v u t PETEC (thuc B Cng

Thng);
Ch tch HQT Cng ty c phn Thng mi, Dch v v Cng nghip PETEC;
y vin HQT Cng ty c phn Bo him Nh Rng (Bo Long);
y vin HQT Cng ty c phn Ngoi thng v Pht trin u t TP.HCM

(FIDECO).

Trong :
BN CO BCH
72

+
S hu c nhn
: 106.740 c phn
i din s hu PETEC
: 6.442.622 c phn

+
Mai Quc Hoa (v)
: 118.738 c phn
: khng

12.1.7.
: khng
ng Hong Tun Khi
1. H v tn
: Hong Tun Khi
2. Gii tnh
: Nam

4. Ni sinh
: Thanh Ha
5. S CMND
: 010190793 ngy cp 4/4/2007
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Thanh Ha
ni cp H Ni
9. a ch thng tr: 03 Vng c, phng Hng Bi, Qun Hon Kim, H Ni

10. S in thoi lin lc c quan: (84-8) 3.8264009
11. Trnh vn ho: i hc
12. Trnh chuyn mn: i hc Ngoi thng - Khoa Kinh t Ngoi Thng
+
T 1975-1985
: Hc vn ha
T 1985-1989
: Cng tc ti Cng ty thit b ton b - B Thng mi
T 1989-1993
: Cng tc ti Cng ty Promexim
T 1993 n nay : Cng tc ti Cng ty c phn XNK Tng hp I Vit Nam
14. Chc v cng tc hin nay: y Vin HQT Eximbank

+
Ch tch HQT kim Tng Gim c Cng ty c phn XNK Tng hp I Vit Nam
Ch tch HQT Cng ty TNHH Pht trin Nht
Ch tch HQT Cng ty c phn bt ng sn Tng hp I
y vin HQT Cng ty c phn khong sn Mai Linh - Qung Ngi
16. S c phn nm gi tnh n ngy 28/09/2009 : 11.048.000 c phn

BN CO BCH
73

Trong :
+
S hu c nhn
: 48.000 c phn
i din s hu CTCP Xut Nhp Khu Tng Hp I Vit Nam : 11.000.000 c phn
: khng
: khng
19. Quyn li mu thun vi li ch Ngn hng
: khng
: khng
12.1.8.
ng Nguyn Hu Th
1. H v tn
: Nguyn Hu Th
2. Gii tnh
: Nam

4. Ni sinh
: Bnh nh
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Bnh nh
9. a ch thng tr: 42 Nguyn Hin, P.4, Qun 3, Tp.HCM

11. Trnh vn ho: i hc
12. Trnh chuyn mn: K s in
+
T 1967 1975: tham gia phong tro hc sinh, sinh vin thuc khu on Si Gn
Gia nh, giao lin cho chi b i hc khoa hc s phm, t v mt bo v cn b;
cn b lc lng v trang khu Si Gn Gia nh
T 04/1975 nay:
Ph trch trung i trinh st qun bo qun i 11 B T lnh TP. H Ch Minh
c c i hc i hc Bch Khoa Tp. H Ch Minh
Tt Nghip k s v cng tc k thut ti Lin hip in c S cng nghip TP.
H Ch Minh.
BN CO BCH
74

Ph Phng K Thut kim tra cht lng sn phm b th on TNCS lin hip
in c, y vin BCH on S Cng Nghip, ph phng kinh doanh X Nghip
Lin hip in c.
Thnh y c i hc Trng ng cao cp Nguyn i Quc H Ni.
V li lin hip in c gi cc cng tc: ph phng k thut, trng phng c
in, trng phng TCCB, gim c x nghip c in kim B Th ng y
XNLH in C, ng y vin S cng nghip.
V cng tc ti Cng ty du lch thnh ph H Ch Minh: cn b t chc, Ph
Gim c khch sn Hu Ngh, Gim c khch sn Kim thng v ng
y, Ph Ch tch HQT, Tng Gim c Tng cng ty du lch Si Gn.
14. Chc v cng tc hin nay: y vin HQT Eximbank
+
Tng gim c Tng Cng ty du lch Si Gn.

Trong :
+
S hu c nhn
: 372.375 c phn
i din s hu Tng Cng ty Du Lch Si Gn
: khng
: khng
: 7.323.965 c phn

12.1.9.
: khng
ng Nguyn Bn
1. H v tn
: Nguyn Bn
2. Gii tnh
: Nam

4. Ni sinh
: Nng
5. S CMND
: 200168376 ngy cp 20/12/2008 ni cp Nng
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Nng
9. a ch thng tr: 40 L Vinh Huy, Qun Hi Chu, Thnh ph Nng

BN CO BCH
75

10. S in thoi lin lc c quan: 08051162
11. Trnh vn ho
: i hc
12. Trnh chuyn mn : i hc

+
T 1970 -1974
: b ch bt giam nh lao Hi An Nng Cn o v c
trao tr Lc Ninh
+
T 1974 -1975
: Nhn vin ban t chc c khu y Qung
T 1974 -1979
: Cn b ban t chc Tnh y Qung Nam Nng
T 1979 -1981
: i hc lp o to cn b lnh o v qun l kinh t cp huyn
ti trng Nguyn i Quc

+
T 1981 -1989
: Cn b trng ng tnh Qung Nam - Nng
T 1983 - 1996
: Cn b, trng phng t chc cn b, chnh vn phng Ban ti
chnh qun tr Tnh y Qung Nam Nng

+
T 1997 - 2002
: Chnh Vn Phng, Ph Trng Ban Ti Chnh Qun Tr Thnh
y Nng
+
T 2002 n nay : Ph Chnh Vn Phng Thnh y Nng
14. Chc v cng tc hin nay: y vin HQT Eximbank

+
Ph Chnh Vn Phng Thnh y Nng
Ch tch HQT Cng ty c phn Khch sn Saigon Tourane
y vin HQT Cng ty TNHH Imperial Vina Nng

Trong :
+
S hu c nhn
: 75.125 c phn
i din s hu Vn phng Thnh y Nng

+
: 7.650.867 c phn
Nguyn Th Cm Linh (con): 3.082 c phn
: khng

: khng
12.1.10. ng Nguyn Quang Thng

1. H v tn
: Nguyn Quang Thng
2. Gii tnh
: Nam
BN CO BCH
76

4. Ni sinh
: Rch Gi - Kin Giang
5. S CMND
: 023622576 ngy cp: 21/11/1997 ni cp: CA Tp.HCM
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Sc Trng
9. a ch thng tr
: 50/1 Nguyn nh Chiu, F.4, Q.3, Tp.HCM

11. Trnh vn ho
: i hc
12. Trnh chuyn mn : i hc Kinh T

+
T 1980 - 1989
: Cng ty XNK Thu Sn Kin Giang.
T 1989 1993
: Hc i hc Kinh t TP.HCM.
T 1995 2006
: Cng ty Quc t Kin Ti Cng ty Lin Doanh Ph M Hng
Cng ty in lc Hip Phc.

+
T 2006 2007
: Thnh vin Ban kim sot Eximbank, Ph Ch tch HQT Cng
ty Qun l Qu u t Chng khon Vit Long.

+
T 2008
: y vin Hi ng qun tr Eximbank
14. Chc v cng tc hin nay: y vin Hi ng qun tr Eximbank

+
Thnh vin Hi ng qun tr cng ty c phn Bo him Nh Rng
Thnh vin Hi ng qun tr cng ty c phn Bt ng sn Eximland.
16. S c phn nm gi tnh n ngy 28/09/2009: 108.771 c phn

Trong :
+
S hu c nhn
: 108.771 c phn
i din s hu
: khng c phn
: khng
: khng

: khng
12.1.11. ng Naoki Nishizawa

1. H v tn
BN CO BCH
: Naoki Nishizawa
77

2. Gii tnh
: Nam

4. Ni sinh
: Hokkaido, Nht
5. S h chiu
: TZ0462656; Ngy cp: 07/12/2006; Ni cp: Las Angeles, Hoa K
6. Quc tch
: Nht
7. Dn tc
: Nht
8. Qu qun
: Nht
9. a ch thng tr: 22-22Bis L Thnh Tn, Phng Bn Ngh, Qun 1, Tp.H Ch Minh
11. Trnh vn ho
: Sau i hc
12. Trnh chuyn mn : Thc s qun tr kinh doanh

+
Thng 04/1979: lm vic ti Mitsui Bank, Limited
Thng 12/1981: lm vic ti Trung tm qun tr kinh doanh quc t
Thng 06/1985: lm vic ti Phng k hoch, Phn b quc t
Thng 04/1987: Ph ch tch, Phng Ti chnh cng ty I, chi nhnh New York.
Thng 04/1989: Ph ch tch Phng Ti chnh cng ty II, chi nhnh New York.
Thng 10/1992: Ph ch tch cp cao Phng Ti chnh d n, chi nhnh New York.
Thng 12/1994: Vin chc Qun tr tn dng cp cao Phng qun tr tn dng quc t
Thng 10/1995: Ph ch tch cp cao Phn b k hoch quc t
Thng 04/1997: Th k cho ch tch Akishige Okada
Thng 04/2001: Ph Tng Gim c Phng V Nghip v ngn hng cng ty Tokyo
SMBC, Tokyo, Nht Bn.
Thng 04/2002: Ph Tng Gim c Phng V Nghip v ngn hng Tokyo

Sumitomo Mitsui Banking Corporation (SMBC),Tokyo, Nht Bn.
Thng 06/2003: bit phi n Manufacturers Bank, l Ph ch tch cp cao Phng

nghip v Ngn hng Nht Chu, Los Angeles, Hoa K.
Thng 02/2004: bit phi n Manufacturers Bank, l Ph ch tch iu hnh Phng

nghip v Ngn hng Nht Chu, Los Angeles, Hoa K
Thng 11/2005: bit phi n Manufacturers Bank, l Ph ch tch iu hnh, Phng

K hoch Los Angeles, Hoa K.
Thng 02/2008 04/2008: Ph ch tch iu hnh Sumitomo Mitsui Banking

Corporation (SMBC),Tokyo, Nht Bn.
BN CO BCH
78

T 11/2008 nay: y vin Hi ng qun tr Eximbank
14. Chc v cng tc hin nay: y vin Hi ng qun tr Eximbank

15. Chc v ang nm gi cc t chc khc: khng
Trong :
+
S hu c nhn
: khng c phn
i din s hu Sumitomo Mitsui Banking Corporation : 132.001.200 c phn
: khng
: khng

: khng
12.2 Ban kim sot

Bng 34: Danh sch thnh vin Ban kim sot EIB ti ngy 30/06/2009
BAN KIM SOT
1
Trng Ban kim sot
Trnh Cng L
Kim sot vin
ng Hu Tin
Kim sot vin
Nguyn Bnh Qu
12.2.1.
ng Trnh Cng L
1. H v tn
: Trnh Cng L
2. Gii tnh
: Nam

4. Ni sinh
: C Mau
5. S CMND
: 020063680 ; ngy cp 20/09/2007; ni cp TP. H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: C Mau
9. a ch thng tr: 01B Tng Bt H, Phng 12, Qun 5, TP. H Ch Minh

11. Trnh vn ho
BN CO BCH
: i hc
79

12. Trnh chuyn mn : i hc qun l kinh t, Nghip v qun l nh nc, hc ht
chng trnh hun luyn nghip v thanh tra kha 13 ca trng cn b thanh tra Trung
ng nm 1984.
+
T 1960-1975
: Cn b binh vn R, Cn b Tr vn Si gn, cn b thnh on
TP. Si Gn, b ch bt y ra Cn o cho ti ngy 30/04/1975.

+
T 1975 - 2006
: Tr l Th trng B lng thc pha Nam, B th chi b, ph
Ban thanh tra S lng thc, Trng phng Lng thc Qun 10, Ph Tng gim
c th nht Cng ty lin doanh Ph M Hng, Ph Ch tch Hi ng qun tr Cng
ty lin doanh Ph M Hng.
+
T 2000 nay
: Trng Ban kim sot Eximbank
14. Chc v cng tc hin nay: Trng Ban kim sot Eximbank
Trong :
+
S hu c nhn
: 61.000 c phn
i din s hu
: khng c phn
17. S c phn ca nhng ngi c lin quan : khng

: khng

12.2.2.
: khng
ng ng Hu Tin
1. H v tn
: ng Hu Tin
2. Gii tnh
: Nam

4. Ni sinh
: H Ni
5. S CMND
: 020577862; ngy cp 10/04/2007; ni cp TP. H Ch Minh
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
:Trng Bng Ty Ninh
9. a ch thng tr: 16 L Vn Linh, Phng 12, Qun 4, Tp. HCM

11. Trnh vn ho: Sau i hc
BN CO BCH
80

12. Trnh chuyn mn: C nhn kinh t k hoch; C nhn Kinh T Ngoi Thng;
chng ch K ton trng; Thc s Qun Tr Kinh Doanh.
+
T 1970 1975
: hc sinh trng Hai B Trng H Ni
T 1975 1980
: hc sinh trng cp II Chi Lng v trng cp III Nguyn Tri
Qun 4, Tp. H Ch Minh

+
1980 - 1983
: tham gia ngha v qun s, Trung i ph thng tin v tuyn in
Phng tham mu S on 477 Qun khu 7.

+
T 1983 1993
: ca hng trng ca hng VLXD v XL Cty Lm sn Min
Nam Tng cng ty VLXD v XL B Ni thng.

+
T 1993 1998
: Ph phng tn dng Ngn hng TMCP i Nam.
T 1998 2005
: i din php nhn Cng ty Ti chnh c phn Si Gn tham gia
lm Kim sot vin chuyn trch ti Eximbank.

+
T 2005 nay
: Kim sot vin chuyn trch Eximbank
14. Chc v cng tc hin nay: Kim sot vin chuyn trch Eximbank
Trong :
+
S hu c nhn
: 60.000 c phn
i din s hu
: 0 c phn
: khng
: khng

12.2.3.
: khng
ng Nguyn Bnh Qu
1. H v tn
: Nguyn Bnh Qu
2. Gii tnh
: Nam

4. Ni sinh
: Chu c, An Giang
5. S CMND
: 024075997
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: An Giang
BN CO BCH
ngy cp 08/11/2002 ni cp: CA. TP.HCM
81

9. a ch thng tr: 370/103 Lc Long Qun, F8, Q. Tn Bnh, TP.HCM
11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn : Thc s kinh t chuyn ngnh ti chnh ngn hng
+
T 1990 n 1994: sinh vin trng i hc Kinh T TP.HCM
T 1994 n thng 4/1997: cng tc ti Trung Tm o To ngh Vit Nam Hn Quc.
T thng 4/1997 n nay: cng tc ti ngn hng TMCP Xut Nhp Khu Vit Nam.
T thng 11/2002 n thng 2/2004: gi chc Kim sot vin P.K ton Tng hp
Hi s Eximbank.
T thng 2/2004 n thng 5/2005: gi chc Ph Phng K ton CN Eximbank Ch Ln
T thng 5/2005 n thng 6/2007: gi chc Trng Phng Kinh doanh Ngoi t CN
Eximbank Ch Ln.
T thng 06/2007: gi chc Ph Gim c CN Eximbank Ha Bnh
Thng 08/200 7- nay: Thnh vin Ban Kim sot Eximbank.
14. Chc v cng tc hin nay: Thnh vin Ban kim sot chuyn trch
Trong :
+
S hu c nhn
: 14.167 c phn
i din s hu
: 0 c phn
: khng
: khng

: khng
12.3 Ban Tng Gim c, K ton trng

Bng 35: Danh sch thnh vin Ban iu hnh EIB ti ngy 30/06/2009
BAN IU HNH
1
Tng gim c
Trng Vn Phc
Ph Tng gim c thng trc
Trn Tn Lc
Ph Tng gim c
Trn Minh Khi
BN CO BCH
82

4
Ph Tng gim c
o Hng Chu
Ph Tng gim c
Nguyn Quc Hng
Ph Tng gim c
Nguyn Th Phng
Ph Tng gim c
T Ngh
Ph Tng gim c
inh Th Thu Tho
Ph Tng gim c
Kenji Kuroki
10
Ph Tng gim c
Nguyn Gia nh
11
K ton trng
Nguyn H Hong V
12.3.1.
ng Trng Vn Phc
1. H v tn
: Trng Vn Phc
2. Gii tnh
: Nam

4. Ni sinh
: Qung Tr
5. S CMND
: 023282262; ngy cp:12/10/1994; ni cp: CA TP.HCM
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Qung Tr
9. a ch thng tr: 58/2/8 L Hng Phong, Phng 2, Qun 5, TP. H Ch Minh

11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn :

+
Tin s Kinh t chuyn ngnh Ti chnh lu thng tin t v Tn dng, Trng i

hc Kinh t Tp. H Ch Minh nm 2006.
C nhn Lut, Trng i hc Lut Tp. H Ch Minh nm 2000.
C nhn chnh tr, Hc vin Chnh tr quc gia H Ch Minh nm 1999.
C nhn Ton iu khin hc kinh t, Trng i hc Tng hp Hu nm 1982.
C nhn Anh vn, Trng i hc Khoa hc x hi v Nhn vn Tp. H Ch Minh

nm 1998.

+
1983 - 1986: Cn b Phng Kinh t K hoch Ngn hng Nh nc Tnh Long An
1986 - 1988: Thi hnh ngha v qun s ti tnh Long An.
BN CO BCH
83

+
1988 - 1989: Ph Phng k hoch Ngn hng Nng nghip Tnh Long An.
1989 - 1990: Quyn Trng Phng Ngoi hi Ngn hng Nh nc tnh Long An.
1990 - 1991: Cn b Phng Kinh t K hoch NH Ngoi thng TP. H Ch Minh.
1991 - 1993: Ph Phng Kinh t K hoch NH Ngoi thng TP. H Ch Minh.
1993 - 1995: Trng Phng Kinh doanh Ngoi t NH Ngoi thng TP. H Ch Minh.
1995 - 2000: Ph Gim c Ngn hng Ngoi thng TP. H Ch Minh.
9/2000 - 10/2003: Tng Gim c Ngn hng TMCP Xut nhp khu Vit Nam.
10/2003 - 3/2007: V trng V Qun l ngoi hi Ngn hng Nh nc Trung ng
03/2007 04/2008: Gim c S giao dch Ngn hng Nh nc Trung ng
01/4/2008 n nay: Tng Gim c Ngn hng TMCP Xut nhp khu Vit Nam.
14. Chc v cng tc hin nay: Tng Gim c Eximbank

Trong :
+
S hu c nhn
: 189.760 c phn
i din s hu
: 0 c phn

+
Trn Th Thu Hng (v)
: 98.145 c phn
: khng

20. Cc khon n i vi Ngn hng (nu c)
12.3.2.
: khng
ng Trn Tn Lc
1. H v tn
: Trn Tn Lc
2. Gii tnh
: Nam

4. Ni sinh
: TP. H Ch Minh
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: TP. H Ch Minh
9. a ch thng tr
: 216/1B Ha Hng, Phng 13, Qun 10, TP. H Ch Minh

BN CO BCH
84

11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn : Tin s i hc Kinh T TP. H Ch Minh

+
T 1990-08/1994
: Nhn vin Ngn Hng Ngoi Thng TP. H Ch Minh
T 08/1994-09/1994: Nhn vin Phng k ton Eximbank
T 09/1994-12/1996: Kim sot vin Phng k ton Ngn Hng Eximbank
T 12/1996-08/2000: Ph phng K ton giao dch Eximbank
T 08/2000-09/2001: Ph phng Th tn dng Eximbank
T 09/2001-06/2005: Trng Phng th tn dng Eximbank
T 06/2005-03/2007: Tr l Tng gim c kim ph ban d n Eximbank
T 03/2007 n nay: Ph Tng gim c thng trc Eximbank
14. Chc v cng tc hin nay: Ph Tng gim c thng trc Eximbank
Trong :
+
S hu c nhn
: 99.623 c phn
i din s hu
: 0 c phn

+
H Thin Nga (v)
: 30.105 c phn
: khng

12.3.3.
: khng
ng Trn Minh Khi
1. H v tn
: Trn Minh Khi
2. Gii tnh
: Nam

4. Ni sinh
: c Lc
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: c Lc.
9. a ch thng tr
BN CO BCH
: 21 B Trn Quang Diu, Phng 13, Qun 3, Tp H Ch Minh
85

11. Trnh vn ho
: i hc
12. Trnh chuyn mn : C nhn Kinh t, trng i hc Kinh t Tp HCM h chnh quy
chuyn ngnh Ngn hng
+
T 1978 - 1989: Cn b Ngn hng Nh nc tnh Tin Giang.
T 1989 - 1991: Ph Gim c Qu Tn Dng Tnh ca Ngn hng Nng nghip

tnh Tin Giang.
T 1991 1995: Ph trch Trung tm giao dch ngoi t pha nam trc thuc Ngn
hng Nh nc Trung ng.
T 1995 - 11/2000: Ph trch Th trng ngoi t lin ngn hng pha Nam trc
thuc Ngn hng Nh nc Vit Nam.
T 11/2000 - 12/2000: Chuyn vin Hi ng qun tr Eximbank.
T 12/2000 - nay: Ph Tng gim c Eximbank.
14. Chc v cng tc hin nay: Ph Tng gim c Eximbank

Trong :
+
S hu c nhn
: 117.000 c phn
i din s hu
: 0 c phn
o Thin Nga (v)
: 50.000 c phn
Trn Thu Minh Thy (con): 36.053 c phn
: khng

12.3.4.
: khng
ng o Hng Chu
1. H v tn
: o Hng Chu
2. Gii tnh
: Nam

4. Ni sinh
: Qung Ninh
5. S CMND
: 023168714; ngy cp 28/03/1997; ni cp Tp H Ch Minh.
6. Quc tch
: Vit Nam
BN CO BCH
86

7. Dn tc
: Kinh
8. Qu qun
: Hi Dng
9. a ch thng tr
: 243/9/12F T Hin Thnh, P.13. Q.10, Tp. H Ch Minh

11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn :

+
C nhn Kinh t ca trng i hc Kinh t TP. HCM h chnh quy chuyn ngnh
Kinh t Ngoi Thng.
Thc s Qun tr kinh doanh ca trng i hc Kinh t Tp.HCM.

+
T 08/1992 - 04/1994 : Cn b Phng Thanh ton quc t Eximbank.
T 04/1994 - 08/1995 : Cn b Phng Kinh doanh ngoi t Eximbank.
T 08/1995 - 12/1995 : Kim sot vin Phng Kinh doanh ngoi t Eximbank.
T 01/1996 - 01/1997 : Tr l trng phng Phng Kinh doanh ngoi t Eximbank.
T 01/1997 - 05/2001 : Ph Phng Kinh doanh ngoi t Eximbank.
T 05/2001 - 04/2004 : Trng Phng Kinh doanh ngoi t Eximbank.
T 04/2004 - nay
: Ph Tng Gim c Eximbank
14. Chc v cng tc hin nay: Ph Tng Gim c Eximbank

+
Thnh vin HQT cng ty G Trn c

Trong :
+
S hu c nhn
: 50.392 c phn
i din s hu
: 0 c phn

+
Nguyn Th Phng Tho (v)
: 23.815 c phn
: khng

12.3.5.
: khng
ng Nguyn Quc Hng
1. H v tn
: Nguyn Quc Hng
2. Gii tnh
: Nam
BN CO BCH
87

4. Ni sinh
: H Ni
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: H Ni
9. a ch thng tr
: 70 Nguyn Hng, Phng 1, Qun G Vp, Tp. H Ch Minh

11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn :

+
C nhn Kinh t, trng Cao cp ngn hng TP.HCM (1993).
C nhn Anh vn, trng i Hc Ngoi Ng H Ni (1996).
Thc s Qun tr kinh doanh, trng i hc kinh t TP.HCM (2005)

+
T 1993 - 1995
: Nhn vin Phng Tn Dng Eximbank.
T 1995 - 07/1996
: Tr l Trng Phng Phng Tn Dng Eximbank.
T 08/1996 - 03/1997
: T Trng Phng Tn Dng Eximbank.
T 03/1997 - 07/2002
: Ph Phng Tn Dng Eximbank.
T 08/2002 -04/2005
: Trng Phng Tn Dng Eximbank.
T 04/2005 - 08/2005
: Trng Phng Tn Dng Doanh Nghip Eximbank.
T 08/2002 - 02/2006
: Trng Phng Qun L Tn Dng Eximbank.
T 02/2006 - nay
: Ph Tng gm c Eximbank

Trong :
+
S hu c nhn
: 29.400 c phn
i din s hu
: 0 c phn
: khng
: khng

BN CO BCH
: khng
88

12.3.6.
B Nguyn Th Phng
1. H v tn
: Nguyn Th Phng
2. Gii tnh
: N

4. Ni sinh
: Tin Giang
5. S CMND
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Tin Giang
9. a ch thng tr
: 567 in Bin Ph Phng 25, Qun Bnh Thnh, TP. HCM

11. Trnh vn ho
: i hc
12. Trnh chuyn mn :

+
C nhn Ngn hng, trng Cao cp Ngn hng h ti chc chuyn ngnh Ngn hng.
Chng ch K ton ti chnh do trng K ton ti chnh cp nm 1980.
Chng ch tham gia lp tp hun kin thc php lut v nghip v kim sot ni
b ca Hc vin Ngn hng.

+
T 1978 1980
: Cn b Ngn hng Kin thit Tnh Kin Giang.
T 1980 1985
: Cn b tn dng Ngn hng Huyn Ci B, tnh Tin Giang.
T 1985 1989
: Trng phng tn dng Ngn hng Huyn Ci B.
T 1989 1990
: Cn b Phng Tng hp Ngn hng Nh Nc Khu vc I.
T 1990 - 1993
:Cn b Phng Qun l Ngn hng thuc NHNN Chi nhnh
TP. HCM.
+
T 1994 1997
: Ph phng Tng hp v Qun l cc Ngn hng NHNN chi
nhnh TP.HCM.
+
T 07/1997 - 03/1998 : Ph Phng T chc - Kim sot - Php ch Eximbank.
T 03/1998 -12/1998 : Quyn trng Ban Kim tra ni b.
T 12/1998 - 10/1999 : Trng ban Kim tra ni b Eximbank.
T 10/1999 - 11/2000 : Trng phng Kim tra ni b Eximbank (Ban Kim tra ni
b chuyn thnh Phng Kim tra ni b).
T 11/2000 nay
: Ph Tng Gim c Eximbank

BN CO BCH
89

+
Thnh vin Hi ng qun tr Ngn hng TMCP Vit

Trong :
+
S hu c nhn
: 20.000 c phn
i din s hu
: khng c phn

+
Trnh Vn Tng (chng) : 117.451 c phn
: khng

12.3.7.
: khng
ng T Ngh
1. H v tn
: T Ngh
2. Gii tnh
: Nam

4. Ni sinh
: An Giang
5. S CMND: 020014621 ngy cp 12/03/1999 ni cp TP.H Ch Minh

6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
: Tp. H Ch Minh
9. a ch thng tr
: 27 Nguyn Th Tn, Phng 02, Qun 8, TP. H Ch MInh
10. S in thoi lin lc c quan: (84-8)38210055

11. Trnh vn ho
: Trn i hc
12. Trnh chuyn mn :

+
C nhn kinh t, trng i hc kinh t TP. H Ch Minh
Thc s kinh t, trng i hc Thng mi H Ni

+
T 10/1977-12/1989: Cn b Ngn hng Ngoi Thng, chi nhnh TP. H Ch Minh.
T 01/1990- 06/1990: Cn b Phng kho qu Eximbank
T 07/1990-05/1992: Cn b Phng K hoch kinh doanh tng hp Eximbank
T 06/1992-01/1997: Trng Phng kinh doanh ngoi t Eximbank
T 01/1997-12/1997: Gim c chi nhnh Eximbank Cn Th
BN CO BCH
90

+
T 01/1998- 05/1998: Trng Phng kinh doanh ngoi t
T 05/1998-12/2001: Ph Tng gim c Eximbank
T 12/2001-08/2002: Ph Tng gim c kim Trng phng giao dch Ch Ln
T 08/2002-09/2006: Ph Tng gim c kim Gim c chi nhnh Eximbank Ch Ln.
T 09/2006 n nay: Ph Tng gm c Eximbank

Trong :
+ S hu c nhn
: 120.000 c phn
+ i din s hu
: 0 c phn
: khng
: khng

12.3.8.
: khng
B inh Th Thu Tho
1. H v tn
: inh Th Thu Tho
2. Gii tnh
: N
3. Ngy thng nm sinh : 05/09/1969

4. Ni sinh
: TP. HCM
5. S CMND
: 024704058 ngy cp 09/4/2007
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
9. a ch thng tr
ni cp CA/Tp HCM
: 93 ng s 3 C x Thnh, P.4, Qun 3, Tp. H Ch Minh

11. Trnh vn ho
: Trn i hc
12. Trnh chuyn mn :

+
Thc s Kinh t, Trng i hc Ngn hng Tp. H Ch Minh nm 2008.
C nhn Kinh t, Trng Cao cp Ngn hng Tp. H Ch Minh h chnh quy chuyn
ngnh Ngn hng nm 1991.

BN CO BCH
91

+
10/1991 07/1994: Thanh ton vin Phng K ton Eximbank
07/1994 12/1998: Kim sot vin Phng K ton giao dch Eximbank.
12/1998 01/2000: Ph Phng K ton giao dch Eximbank.
01/2000 03/2001: Ph Phng ph trch Phng k ton giao dch Eximbank.
03/2001 07/2006: Trng Phng K ton giao dch Eximbank.
07/2006 07/2007: Trng Phng DVKH Doanh nghip Hi s Eximbank.
07/2007 08/2007: Ph Gim c S giao dch 1 Eximbank.
08/2007 12/2007: Gim c Khi Khch hng c nhn Hi s Eximbank.
19/12/2007 n nay: Ph Tng gim c Eximbank.
14. Chc v cng tc hin nay: Ph Tng gim c Eximbank.

Trong :
+
S hu c nhn
: 14.000 c phn
i din s hu
: khng c phn

+
Nguyn Ngc Chung (chng)
: 3.000 c phn
: khng

12.3.9.
: khng
ng Kenji Kuroki
1. H v tn
: Kenji Kuroki
2. Gii tnh
: Nam

4. Ni sinh
: Nht Bn
5. S H chiu
: TG7450734 ngy cp 07/07/2005
6. Quc tch
: Nht Bn
7. Dn tc
: Nht Bn
8. Qu qun
: Nht Bn
ni cp: Nht Bn
9. a ch thng tr: Phng 502, Ta nh Somerset Chancellor Court, 21-23 Nguyn Th

Minh Khai, Qun 01, TP. H Ch Minh
BN CO BCH
92

11. Trnh vn ho
: i hc
12. Trnh chuyn mn :

+
C nhn chuyn ngnh ng Dng hc, Trng i hc Ngoi Ng Tokyo nm 1989.

+
1989 n hin ti: Ngn hng Sumitomo Mitsui Banking Corporation
10/2005 - 07/2006: Vn phng i din ca Ngn hng Sumitomo Mitsui Banking

Corporation ti Thnh ph H Ch Minh (chc v Ph Gim c Cp Cao)
18/7/2008 n nay: Ph Tng Gim c Eximbank kim ng Trng Phng Lin Minh.

16. S c phn nm gi tnh n ngy 28/09/2009: 0 c phn
Trong :
+
S hu c nhn
: 0 c phn
i din s hu
: 0 c phn
: khng
: khng

: khng
12.3.10. ng Nguyn Gia nh

1. H v tn
: Nguyn Gia nh
2. Gii tnh
: Nam

4. Ni sinh
: TP.HCM
5. S CMND
: 020588402 ngy cp 01/6/2005 ni cp CA Tp.HCM
6. Quc tch
: Vit Nam
7. Dn tc
: Kinh
8. Qu qun
9. a ch thng tr
: 36 Ter / 4+5 L Li, P. Bn Ngh, Q.1, Tp. H Ch Minh
10. S in thoi lin lc c quan: (04) 38242306

11. Trnh vn ho
: i hc
12. Trnh chuyn mn :

+
C nhn Kinh t, Trng i hc Kinh t Tp. H Ch Minh nm 1976 - 1980
BN CO BCH
93

+
Cao cp l lun chnh tr, Hc vin Chnh tr quc gia phn vin Tp. H Ch Minh
nm 1999 - 2001.
Chng ch kha hc Ti chnh Ngn hng Ngn hng Quc gia Php v Ngn
hng Nh nc Vit Nam t chc (1996 -1997).

+
1980 1988: Cn b Chi nhnh Ngn hng Nh nc tnh Minh Hi.
1988 1989: Trng Phng K hoch Ngn hng Pht trin Nng nghip tnh Minh Hi.
1990 1991: Chuyn vin Ban Kinh t i ngoi tnh Minh Hi.
1991 1994: Chuyn vin Vn Phng UBND tnh Minh Hi.
1994 1998: Ph Gim c v Gim c Chi nhnh Vietcombank Minh Hi.
1998 2003: Gim c Chi nhnh Vietcombank KCX Tn Thun Tp. H Ch Minh.
2003 2006: Tng Gim c Ngn hng TMCP Xut nhp khu Vit Nam.
2006 2007: Ph Gim c Ngn hng Ngoi thng Chi nhnh Tp. H Ch Minh.
2007 2008: Tng Gim c Ngn hng TMCP i .
06/11/2008 n nay: Ph Tng gim c Eximbank kim nhim Gim c Chi nhnh
EIB H Ni.

Trong :
+ S hu c nhn
: 23.719 c phn
+ i din s hu
: 0 c phn
: khng
: khng

: khng
12.3.11. ng Nguyn H Hong V

1. H v tn
: Nguyn H Hong V
2. Gii tnh
: Nam

4. Ni sinh
: Tin Giang
5. S CMND
: 300696294 ngy cp 26/03/2004 ni cp Long An
6. Quc tch
: Vit Nam
BN CO BCH
94

7. Dn tc
: Kinh
8. Qu qun
:Tin Giang
9. a ch thng tr
: 45 ng 318, Phm Hng, Phng 5, Qun 8, Tp. H Ch Minh

11. Trnh vn ho
: sau i hc
12. Trnh chuyn mn :

+
Thc s Kinh t, trng i hc Ngn hng Tp.HCM chuyn ngnh kinh t ti chnh, ngn hng.
C nhn Ngoi ng, trng H S Phm Tp HCM h ti chc chuyn ngnh Anh vn
Giy chng nhn hon thnh chng trnh bi dng K Ton Trng Doanh
Nghip Nh nc do B Ti chnh cp.

+
T 07/1993 - 02/1997
: Nhn vin Phng K ton tng hp Eximbank
T 02/1997 09/1997
: Kim sot vin Phng K ton tng hp Eximbank
T 09/1997 05/2001
: Ph Phng K ton tng hp Eximbank
T 05/2001 08/2002
: Ph phng ph trch Phng K ton tng hp Eximbank
T 08/2002 12/2003
: Trng Phng K ton Tng hp Eximbank
T 12/2003 - nay
: K ton trng Eximbank
14. Chc v cng tc hin nay: K ton trng Eximbank

Trong :
+ S hu c nhn
: 20.000 c phn
+ i din s hu
: 0 c phn
+ Nguyn H Hong Phc (em)
: 198.194 c phn
+ Nguyn H Xun Phng (em)
: 110.212 c phn
: khng

BN CO BCH
: khng
95

13. Ti sn
Bng 36: THNG TIN V TI SN C GI TR LN CA EXIMBANK (n ngy 31/12/2008)
I. Nh, quyn s dng t
STT
Tn ti sn
S
lng
Nguyn gi
Chi nhnh
01
Quyn s dng t s 07 L Th Hng Gm
01
240.167.321.944
Hi s
02
Quyn s dng t Hi Phng
01
46.870.200.000
Nt
03
Quyn s dng t 55A Nguyn Ch Thanh
01
24.636.089.800
nt
04
Quyn s dng t 78 Trn Quang Khi, Q.1
01
24.384.430.000
nt
05
Cng trnh khu nh C
01
3.668.438.850
nt
06
Nh s 07 L Th Hng Gm
01
5.776.471.592
nt
07
Nh m rng s 07 L Th Hng Gm
01
9.943.389.121
nt
08
Cng trnh Long Bin
01
3.631.589.161
nt
09
Cng trnh Qun 10
01
3.185.057.191
nt
10
Cng trnh Lt
01
2.836.278.991
nt
11
Cng trnh Trn Duy Hng
01
2.807.480.025
nt
12
Cng trnh M Tho
01
2.803.548.265
nt
13
Cng trnh Nh Trung Yn
01
2.755.471.950
nt
14
Cng trnh Thanh a
01
2.747.175.762
nt
15
Cng trnh nh Bnh Ph
01
2.693.988.802
nt
16
Cng trnh H ng
01
2.652.964.613
nt
17
Cng trnh Long Xuyn
01
2.616.636.292
nt
18
Cng trnh Bun Ma Thut
01
2.544.013.097
nt
19
Cng trnh Nguyn Vn Tri
01
2.317.230.446
nt
20
Cng trnh Nh Bnh Tn
01
2.225.995.515
nt
21
Cng trnh B Ra
01
2.199.798.104
nt
22
Cng trnh Bnh Dng
01
2.137.533.644
nt
23
Cng trnh Tn Tht m
01
1.993.651.594
nt
24
Cng trnh Trn Hng o
01
1.802.777.140
nt
25
Cng trnh Nguyn Th Thp
01
1.429.451.126
nt
BN CO BCH
96

26
Cng trnh Ph M Hng
01
1.295.443.122
nt
27
Cng trnh Tn Tht m
01
1.253.926.580
nt
28
Cng trnh D An
01
1.191.159.436
nt
29
Cng trnh Long Thnh
01
1.124.381.953
nt
30
Cng trnh Trn ng Ninh
01
1.064.033.985
nt
31
Cng trnh Phm Vn Hai
01
1.062.832.822
nt
32
Cng trnh Ty Sn
01
1.046.368.362
nt
33
Cng trnh Phan nh Phng
01
1.030.750.544
nt
34
Nh 48 Trn Ph
01
24.187.403.972
nng
35
Quyn s dng t 48 Trn Ph
01
4.967.844.000
nt
36
Nh lm vic s 08 Phan nh Phng
14.821.733.781
Cn Th
37
t XD/CT - 08 Phan nh Phng
01
4.289.259.447
nt
38
Nh lm vic 02 in Bin Ph
01
978.909.156
nt
39
Quyn s dng t 02 in Bin Ph
01
119.925.000
nt
40
Quyn s dng t 55 Nguyn Ch Thanh
01
13.217.783.520
Ch Ln
41
Nh 55 Nguyn Ch Thanh Qun 5
01
3.561.985.359
nt
42
Nh lm vic 19 Trn Hng o
01
12.060.395.847
H Ni
43
Quyn s dng t 19 Trn Hng o
01
2.043.761.700
nt
44
Nh 63 Yesim Nha Trang
01
1.861.764.276
Nha Trang
45
Quyn s dng t 63 Yesin Nha Trang
01
1.322.100.000
nt
46
Nh 205 Phan Chu Trinh, Nng
01
47
Quyn s dng t 205 Phan Chu Trinh, Nng
01
CNG
373.700.000 Hng Vng

6.646.050.000
nt
500.348.495.887
II. Ti sn khc
STT
Tn ti sn
S
lng
Nguyn gi
Chi nhnh
01
My ch c s d liu
02
34.852.338.299
Hi s
02
H thng my tnh AS/400 - Phng th
01
1.782.498.077
nt
03
My vi tnh IBM Server P520
01
1.019.064.600
nt
04
H thng lu tr in UPS cho my ch
01
1.142.816.000
nt
BN CO BCH
97

05
Database Server (IBM seres 620)
01
1.792.461.517
nt
06
Database Server (IBM seres 620)
01
1.627.022.768
nt
07
IBM SSA Disk Sub System 7133T40
01
1.889.621.687
nt
08
Application Server & IBM Expandable
02
2.714.321.586
nt
09
Database Server Back Up (IBM SERIES 620)
01
1.560.540.158
nt
10
Xe toyota Camry 3.5Q
01
1.030.317.381
nt
11
My pht din Cummins Power 760KVA
01
1.387.453.960
nt
12
Phn mm ng dng Korebank
01
15.185.364.124
nt
13
Phn mm Tuxedo
01
1.607.954.950
nt
14
Phn mm Veritas
01
1.442.124.102
nt
15
Giy php phn mm Tuxedo
01
2.318.664.348
nt
16
Giy php phn mm Tuxedo
01
2.405.156.000
nt
17
Phn mm Prime & online
01
5.131.625.263
nt
18
Phn mm CT/ pht hnh th
01
5.581.200.000
nt
19
Bn quyn phn mm Oracle
01
5.034.598.400
nt
20
Bn quyn phn mm Oracle - SGDV
01
3.847.446.900
nt
21
Bn quyn phn mm Korebank (13CN)
01
3.725.178.889
nt
22
H thng my ch - SGDV
01
3.014.552.220
nt
23
H thng c th hoa th quc t chip - EMV
02
2.002.349.747
nt
24
My pht in
01
1.800.800.000
nt
25
01
1.357.160.793
nt
26
01
1.357.160.793
nt
27
Ti sn khc c gi tr di 1 t ng
104.333.712.621
nt
BN CO BCH
CNG
341.304.908.118
TNG CNG
841.653.404.005
98

14. K hoch li nhun v c tc
14.1
K hoch li nhun v c tc giai on 2009 - 2011:
Bng 37: K hoch li nhun v c tc giai on 2009 2011
n v tnh: triu ng
Ch tiu
2009E
2010F
2011F
Tng ti sn
63.300.000
90.000.000
130.000.000
Vn ch s hu
13.900.000
14.000.000
15.000.000
4.155.000
6.795.000
10.938.000
558.000
765.000
1.054.000
Tng thu nhp hot ng kinh doanh
4.713.000
7.560.000
11.992.000
Tng chi ph hot ng kinh doanh
3.003.000
4.629.000
7.669.000
Thu nhp hot ng kinh doanh thun
1.710.000
2.931.000
4.323.000
210.000
451.000
963.000
1.500.000
2.480.000
3.360.000
375.000
620.000
840.000
1.125.000
1.860.000
2.520.000
8,41%
13%
17%
T l chi tr cho c ng
34%
32%
30%
- Chi tr c tc
12%
12%
13%
- Pht hnh c phiu thng t cc qu d tr
22%
20%
17%
30,56%
20 - 22%
15 - 18%
Thu nhp li v khon tng ng

Thu nhp ngoi li thun
Chi ph d phng ri ro tn dng

Li nhun trc thu
Thu thu nhp doanh nghip
Li nhun sau thu
T sut li nhun/Vn ch s hu bnh qun
H s an ton vn (%)
Ngun: Bo co tng kt nm 2008 v k hoch hot ng nm 2009 - 2011 ca Eximbank

Ghi ch:
- Vic pht hnh c phiu thng t l 22% trong nm 2009 c Eximbank thc hin vo ngy
10/08/2009
14.2
Cn c t c k hoch li nhun, c tc nu trn:
Cc gi nh v d bo:
V chnh sch v m giai on 2009 2011:
Cui nm 2009 kinh t th gii chm dt giai on suy thoi, chuyn sang giai on phc
hi chm. Kinh t Vit Nam nm 2009 tc tng trng chm (nhng k vng vn t trn
4,5%), nm 2010, 2011 tc tng trng 6,5% - 7% vi mt s ch tiu v m c d bo:
-
GDP tng trng bnh qun khong 7%/nm (2009: 5% - 6%, 2010 v 2011: 7% - 8%);
BN CO BCH
99

-
CPI tng 7% - 11%/nm;
Tc tng ca tn dng v tng phng tin thanh ton nm 2009 khong 30%,
nm 2010 v 2011 khong 25% - 27%;
Ch s ICOR t khong 7 - 7,5;
Thu nhp bnh qun u ngi: 1200 USD/ nm;
T gi VND/USD: tng khong 5% - 10%/nm.
V hot ng kinh doanh ca Eximbank giai on 2009 2011:

-
Tng ti sn (quy m): tng bnh qun 40%/nm;
Tng huy ng vn t t chc kinh t v dn c: tng bnh qun 45%/nm (8 thng
u 2009 tng 40% so vi cui nm 2008);

-
Tng d n cho vay: tng bnh qun t 45% - 50 %/nm (8 thng u 2009 tng
60% so vi cui nm 2008);
T sut sinh li trn vn ch s hu bnh qun (ROE): Eximbank t ra mc tiu

phn u (ti thiu) n cui nm 2011 s t mc bnh qun ngnh v ch tiu ny:
ROE nm 2009 t 9% - 10%, nm 2010 t trn 13% v nm 2011 t trn 17%.
C s tnh ton:
Ngun thu (doanh thu):
-
Thu t hot ng tn dng trn c s : li sut cho vay VND t 10% - 12,5%/nm;
ngoi t (quy v USD) v vng t 5%;
Thu t kinh doanh v u t chng khon: t tri phiu 11% - 12%/nm; t chng
khon 15%/nm (chng khon vn chim 3%/ -5% tng danh mc);
Thu li tin gi v cho vay t chc tn dng: li sut tin gi v hoc cho vay t chc
tn dng khc 6,75% - 9%/nm;
Thu t gp vn lin doanh, lin kt v u t vo cng ty con: c tc t cc khon

u t ny bnh qun 10%/nm;
Thu dch v: trong giai on 2009 - 2011 tng trng bnh qun 40%/nm (nm
2008 tng trng 51%);
Thu nhp t kinh doanh vng v ngoi hi: trong giai on 2009 - 2011 tng trng
bnh qun 25% - 30%/nm, EIB tnh ton trn c s thn trng v kh nng trong giai
on ny c th khng c nhng c sc bin ng t gi v gi vng nh nm 2008
(nm 2008 khon thu nhp ny ca EIB tng trng 356% so vi 2007).
Chi ph vn u vo (c cu ngun vn vn ch s hu: nm 2009 t 20% - 22%,

bnh qun ngnh t l ny hin nay khong 6% 8%; nm 2010 khong 15% v nm
2011 chim khong 10% - 12%):
Tin gi ca t chc kinh t v dn c
BN CO BCH
100
Tin gi thanh ton:

Khng k hn: VND 2,5% - 3%/nm; USD 0,25% - 0,75%/nm.
C k hn: VND 5% - 6,5%/nm; USD 2,5% - 3%/nm.
Tin gi tit kim:

Khng k hn: VND 2,5% - 3%/nm; USD 0,25% - 0,75%/nm.
C k hn: VND 6,75% - 9%/nm; USD 3% - 4%/nm; vng 3% 4%/nm.
Pht hnh gy t gi/chng ch tin gi: t 8% - 10% cho VND v 3% - 3,75%

cho ngoi t (USD).
Tin gi ca cc t chc tn dng khc: VND 5% - 6%; ngoi t 2% - 2,5%; vng
3% - 3,75%/nm.
15. nh gi ca t chc t vn v k hoch li nhun v c tc
VDSC tin hnh thu thp thng tin, nghin cu, phn tch mt cch cn trng v hp l cn
thit a ra nhng nh gi v d bo v hot ng kinh doanh, li nhun v c tc ca
Eximbank. Vi pht trin lin tc v n nh, chin lc hot ng linh hot v nng ng,
cng vi vic phn tch th trng ti chnh ngn hng v quc t, VDSC cho rng cc k hoch
li nhun, c tc v cc mc tiu pht trin ca Eximbank l hon ton kh thi nu khng chu
nh hng bi cc s kin bt kh khng.
Vi vai tr l t chc t vn nim yt c phiu ca Eximbank, VDSC tin hnh thu thp
thng tin, nghin cu v phn tch nhm a ra nhng nhn xt nh gi v d bo tnh hnh
hot ng kinh doanh ca Eximbank. Cc nghin cu, phn tch hoc nh gi Eximbank ca
t chc t vn c t trong bi cnh nn kinh t Vit Nam nm 2009, cc d bo v nn kinh
t th gii, Vit Nam v ngnh ngn hng trong cc nm tip theo. K hoch kinh doanh nm
2009 ca EIB d bo tc tng trng nh sau:
Tng trng tng ti sn 31%;
Tc tng trng huy ng vn t nn kinh t: 40%;
Tc tng trng d n tn dng: 60%;
Chi tr c tc c duy tr n nh mc 12,0%/nm trn mnh gi c phn.
Trong nm 2008, nn kinh t th gii c nhiu bin ng xut pht t cuc khng hong ti
chnh M. Cuc khng hong ny dn n s sp nhiu tp on ti chnh khng l v
tc ng lm th trng ti chnh v chng khon th gii chao o. Nhng bin ng ln
cha tng c ca nn kinh t buc ngn hng Trung ng cc nc thc hin nhng thay i
ln trong chnh sch tin t.
BN CO BCH
101

Ch s gi tiu dng (CPI) t nhin tng mnh t u nm 2008, hay chnh xc hn l t thng
12/2007 khi tng ln mc 2,9% so thng 11/2007. K t thi im , CPI nh mt con nga
bt kham lin tc lng ln vt qua mi d on vi mc tng hng thng khng di 2% cho
n thng 6/2008 v sau khi cc chnh sch tht cht tin t (iu chnh li sut c bn, t l d
tr bt buc, kim sot tng trng tn dng) pht huy tc dng, CPI mi bt u gim dn
trong nhng thng cn li v cht nm 2008 mc 19,89% so vi 2007. y c xem l mc
tng CPI cao nht t nm 1992 tr li y.
Biu 12: Din bin ch s CPI giai on 1992 - 2008
Ngun: IMF, Tng cc thng k Trch t Bo co kinh t Th thch 2009 ca VDSC
Khng ch lm pht tng cao, nm 2008 c xem nh du mc lch s ca Vit Nam khi
hng lot cc biu hin xu ca nn kinh t ng lot xut hin nh nhp siu, tng trng
gim, thm ht thng mi ln, tc ng t kinh t th gii
Bt u t vic thay i mc tiu ca Chnh ph, t u tin tng trng kinh t sang u tin cho
mc tiu kim ch lm pht km theo hng lot cc gii php v m c trin khai cng lc,
theo mt trong nhng gii php c t ln hng u l thc hin chnh sch tht cht tin
t nhm chng li lm pht nh tng t l d tr bt buc, tng li sut c bn, li sut ti cp
vn, li sut ti chit khu hn ch tng trng tn dng. ng thi, NHNN lin tc ht tin t
lu thng v thng qua hot ng th trng m, pht hnh tn phiu bt buc (trn 20 nghn t
ng), thc hin l trnh chuyn tin gi kho bc t h thng cc TCTD v NHNN (khong 50
nghn t ng). NHNN khng ch ch tiu tng trng tn dng ngnh ngn hng trong nm
2008 khng qu 30%, ch o h thng cc TCTD kim sot cht ch cho vay kinh doanh bt
ng sn, chng khon v tiu dng. Bn cnh , th trng chng khon st gim hn 73%
so vi nm 2007. Th trng bt ng sn sau thi gian st nng gim mnh v c du hiu
ng bng vi s lng giao dch t. Gi vng v t gi USD bin ng tht thng, kh d bo.
Trong bi cnh trn, hot ng ca cc Ngn hng thng mi Vit Nam gp rt nhiu kh khn.
Cc ngn hng buc phi tham gia cuc ua li sut huy ng vn, tht cht tng trng tn dng.
Tuy nhin, kt qu kinh doanh nm 2008 ca EIB vn t c mt s kt qu kh quan nh:
BN CO BCH
102

Vn huy ng t t chc kinh t v dn c t 32.331 t ng, tng 41% (tng ng
9.416 t ng) so vi cui nm 2007, t 101% k hoch nm;
Tng d n cho vay l 21.232 t ng, tng 15% (tng ng 2.780 t ng) so vi
nm 2007, chim t trng 44% trn tng ti sn c v 66% trn vn huy ng;
Li nhun trc thu t 969,2 t ng, c tc chi tr cho c ng 12%.
Vi nhn nh kinh t th gii s gp nhiu kh khn trong mt vi nm ti, T chc tin t quc t
(IMF) iu chnh d bo, gim tng trng cho hu ht cc quc gia, trong , tc tng
trng ca Vit Nam nm 2009 c d bo t 4,5%. Ti chnh ngn hng l ngnh c mi lin
h thun chiu vi tc pht trin kinh t. Tuy khng th qu lc quan v bc tranh kinh t trong
cc nm ti, nhng tc tng trng kinh t khng qu thp v tim nng to ln ca ngnh ngn
hng l c s t ra tc tng trng kh cho cc ch tiu kinh doanh trong k hoch kinh doanh
giai on 2009 2011 ca Eximbank. Tim nng ca ngnh ti chnh ngn hng Vit Nam c
th hin thng qua: t sut thm nhp ca dch v ngn hng, t l dn s tr v tc th ho.
T sut thm nhp ca dch v ngn hng c nh gi qua ch tiu chnh l t l ti khon
trn dn s; tn dng ni a v tin gi bnh qun u ngi. Cc ch tiu ny ca Vit Nam
u mc thp. Vi dn s 87 triu ngi (ng th 13 trn th gii), hin mi ch c khong 7
triu ti khon Vit Nam, cho thy t l ti khon khong 8%, thuc hng thp nht ton cu.
c tnh khong 50% tit kim c nhn c gi bn ngoi h thng ngn hng chnh thng
di dng tin mt, vng v cc ti sn khc. Trong qu trnh nn kinh t Vit Nam ang c
bc chuyn i t nn kinh t tin mt sang h thng ti chnh ngn hng, t l thm nhp
dch v ti chnh d kin s tng trng vi tc bng n. Theo cc d bo ca cc nh phn
tch, s ti khon ngn hng d kin s tng gp 3 ln trong vng 10 nm ti.
S kt hp gia dn s tr v tc th ho nhanh cng l yu t quan trng thc y s pht
trin ca dch v ngn hng. S liu thng k cho thy hng nm c khong mt triu ngi n
tui lao ng v mt triu ngi sng nng thn ri ln thnh th. Vi tui trung bnh 26, mt
lc lng dn s ln hin ang tham gia vo th trng lao ng, ko theo thu nhp, chi tiu v mc
sng c ci thin. y cng chnh l i tng khch hng tim nng ca cc dch v ngn hng.
Trn c s xem xt tc ng tng hp ca nhng nhn t trn, chng ti cho rng nu
khng c nhng bin ng bt thng gy nh hng n hot ng kinh doanh ca EIB, k
hoch doanh thu v li nhun m Eximbank ra c th thc hin c. K hoch chi tr c
tc ca Eximbank c duy tr n nh nhm m bo li ch c ng.
VDSC lu rng, cc nhn xt nu trn c a ra di gc mt t chc t vn da trn c s
thng tin thu thp c c chn lc v cn nhc mt cch khch quan. Tuy nhin, nhng nhn xt
trn khng hm bo m gi chng khon cng nh tnh chc chn ca cc s liu d bo.
Nhng nhn xt ny ch mang tnh tham kho cho cc nh u t khi ra quyt nh u t.
BN CO BCH
103

16. Thng tin v nhng cam kt nhng cha thc hin ca Ngn hng
Tng s tin ca cc bo lnh, th tn dng v cc cam kt khc cn hiu lc ti ngy
30/06/2009
Bng 38: THNG TIN V NHNG CAM KT CHA THC HIN CA EXIMBANK
n v tnh: triu ng
Khon mc
Tnh n 30/06/2009
Th tn dng tr ngay
3.625.188
Th tn dng tr chm
848.875
Bo lnh thanh ton
423.245
Bo lnh thc hin hp ng
201.608
Bo lnh d thu
90.376
Cc bo lnh khc
193.610
Giao dch kinh doanh ngoi t

Tng cng
4.949.249
10.332.151
17. Cc thng tin, cc tranh chp kin tng lin quan ti Ngn hng m c th nh hng
n gi c c phiu nim yt
Trong tng s lng 880.008.000 c phn ca Eximbank hin ti ang c 3.781.100 c phn b
phong ta do hnh thnh t ngun vn tch ly cha a vo thu nhp trong cc nm trc.
Eximbank bo co y cho NHNN - Chi nhnh TP.H Ch Minh v c NHNN - Chi
nhnh TP.H Ch Minh ch o khng gii quyt bt k quyn li pht sinh no pht sinh t s
c phn ny.
Ngoi ra, Eximbank cng nh C quan iu tra h tr x l dt im s c phn ny sm
a vo lu thng. n thi im hin ti, c quan iu tra vn ang trong qu trnh iu tra,
cha a ra kt lun cui cng v Eximbank ang phi hp cung cp y cc h s,
chng t phc v cho qu trnh iu tra.
Theo cng vn s 2155/UBCK-PTTT ngy 09/10/2009, UBCKNN c kin khng ng k
lu k s lng 3.781.100 c phn ny cho n khi c kt lun chnh thc ca c quan iu tra.
BN CO BCH
104

V. C PHIU NIM YT
1. Loi c phiu
: c phiu ph thng
2. Mnh gi
: 10.000 ng/c phn
3. Tng s c phiu nim yt
: 876.226.900 c phiu.
4. S lng c phiu b hn ch chuyn nhng theo qui nh ca php lut hoc ca t chc
nim yt
STT
i tng
Thnh vin HQT, BKS, Ban
TG, K ton trng
S lng
Qui nh hn ch
(c phn)
chuyn nhng
279.461.990
Theo
Cn b cng nhn vin
882.620
nh
14/2007/N-CP
Theo
Ngh
Ghi ch
Ngh
quyt
HC Eximbank ln
th XIX nm 2007
- Phong ta n 04/04/2010
44.880
- Phong ta n 18/04/2010
26.100
- Phong ta n 18/07/2010
3.000
- Phong ta n 01/08/2010
710.000
- Phong ta n 04/04/2011
59.840
- Phong ta n 18/04/2011
34.800
- Phong ta n 18/07/2011
4.000
Ngh inh 69/2007/N-
Nh u t chin lc Sumitomo
03
Mitsui
Banking
Corporation
132.612.219
(SMBC)
04
S c phn chnh lch ca nh

u t nc ngoi
CP v Tha thun lin

minh
chin
lc
ngy 27/11/2007
1.018.365
Ngh nh 69/2007/NCP
Bao gm 611.019
c phn vt t l
qui nh 15%
Bao
gm
vt
phn
l
ca
SMBC
Thnh vin Hi ng qun tr, Ban Kim sot, Ban Tng Gim c v K ton trng
Khi c phiu ca Eximbank nim yt trn S Giao dch chng khon TP.HCM, theo quy
nh cc thnh vin Hi ng qun tr, Ban kim sot, Ban Tng Gim c v K ton
trng ca Eximbank cam kt khng chuyn nhng 100% s c phiu m cc thnh vin
ny nm gi trong thi hn 06 thng k t khi nim yt v 50% s lng c phiu trn
trong thi gian 06 thng tip theo.
BN CO BCH
105

Tng s c phn b hn ch chuyn nhng ca Thnh vin Hi ng qun tr, Ban Kim
sot, Ban Tng Gim c v K ton trng l 279.461.990 c phn.
Cn b cng nhn vin
Theo Ngh quyt i hi ng c ng ln th XIX ngy 06/02/2007, Ngn hng pht
hnh 5.600.000 c phn cho cn b cng nhn vin v 1.000.000 c phn pht trin
ngun nhn lc. Tng s c phn b hn ch chuyn nhng ca cn b cng nhn vin
Eximbank n thi im nim yt l 882.620 c phn.
Hn ch chuyn nhng vi nh u t chin lc:
Theo ngh nh 69/2007/N-CP v vic nh u t nc ngoi mua c phn ca ngn
hng thng mi Vit Nam:
Nh u t chin lc nc ngoi v ngi c lin quan ch c php chuyn nhng c phn
thuc s hu ca mnh cho t chc, c nhn khc (k c trong nc v ngoi nc) ti thiu sau
5 nm k t khi tr thnh l nh u t chin lc nc ngoi ti mt ngn hng Vit Nam.
T chc tn dng nc ngoi v ngi c lin quan s hu 10% vn iu l ti mt ngn
hng Vit Nam ch c php chuyn nhng c phn thuc s hu ca mnh cho t
chc, c nhn khc (k c trong nc v ngoi nc) ti thiu sau 3 nm k t khi s hu
10% vn iu l ca mt ngn hng Vit Nam.
Nh u t chin lc nc ngoi ca Eximbank hin ti l Tp on ngn hng Sumitomo Mitsui
Banking Corporation (SMBC) theo Tha thun lin minh chin lc k kt gia 02 bn ngy
27/11/2007. Tng s c phn b hn ch chuyn nhng ca SMBC l 132.612.219 c phn (bao
gm 611.019 c phn vt t l qui nh 15%), thi gian hn ch chuyn nhng l 05 nm theo
quy nh ca Ngh nh 69/2007/N-CP (T ngy 28/05/2008 n ngy 28/05/2013).
Phn chnh lch ca nh u t nc ngoi
Trong qu trnh pht hnh c phn thng cho c ng hin hu, do c 3.781.100 c phn b
phong ta khng c hng quyn theo yu cu ca NHNN - Chi nhnh TP.H Ch Minh nn
khi chia thng lm pht sinh mt s lng c phn vt t l qui nh ca nhm nh u t
nc ngoi l 1.018.365 c phn.
5. Phng php tnh gi
5.1 Phng php nh gi
T chc t vn (VDSC) p dng cc phng php nh gi ph hp vi loi hnh hot ng ca
t chc nim yt xc nh gi tr EIB. C th: (i) phng php chit khu dng c tc; (ii)
phng php so snh ch tiu P/E vi cc doanh nghip cng ngnh; (iii) phng php so snh
ch tiu P/B vi cc doanh nghip cng ngnh.
BN CO BCH
106

Phng php 1: Chit khu dng c tc
M hnh chit khu dng c tc 02 giai on c VDSC s dng tnh ton gi c phiu EIB
cn c vo tnh hnh hot ng kinh doanh hin ti, chin lc kinh doanh - li nhun - c tc
chi tr hng nm do lnh o EIB a ra trong tng lai v kh nng tng trng ca EIB.
Phng php chit khu dng c tc c tnh cht bao trm, tnh n cc yu t trong tng lai,
phn nh c tim nng ca doanh nghip cng nh k vng ca cc nh u t. Phng
php ny l phng php ph bin trong nh gi cc ngn hng trn th trng quc t;
Phng php 2: So snh P/E
Gi nim yt d kin = EPS x P/E tham chiu
EPS: l EPS d phng ca Eximbank ti thi im 31/12/2009 l 1.278 ng/c phn.
P/E tham chiu: da trn P/E ca cc ngn hng ang nim yt trn S giao dch chng khon
TP.HCM v S giao dch chng khon H Ni ti mt thi im c th.
Phng php P/E c hn ch l khi th trng bin ng th ch s P/E ca ngnh cng bin ng
theo, do ch s P/E phn no phn nh tnh cht thi im. ng thi ch s P/E ca ngnh cng
khng phn nh ht s khc nhau ca Eximbank so vi cc cng ty trong cng ngnh.
Phng php 3: So snh P/B
Gi nim yt d kin = BV x P/B tham chiu
BV: Gi tr s sch ca c phiu Eximbank ti thi im 30/06/2009 l 18.810 ng/c phn.
P/B tham chiu: da trn P/B ca cc ngn hng ang nim yt trn S giao dch chng khon
Tp.HCM v S giao dch chng khon H Ni ti mt thi im c th.
Tng t phng php P/E, hn ch ca phng php P/B l ph thuc vo bin ng ca th
trng, do ch s P/B cng mang tnh cht thi im. ng thi ch s P/B ca ngnh cng khng
phn nh ht s khc nhau ca Eximbank so vi cc ngn hng trong cng ngnh.
5.2
Gi d kin cho sn
Trn c s kt hp nhiu phng php nh gi, mc gi d kin ln sn ca c phiu EIB s

do Hi ng qun tr thng bo bng vn bn ph hp vi quy nh ca php lut ti thi im
thch hp.
BN CO BCH
107

6. Gii hn v t l nm gi i vi ngi nc ngoi
Theo Ngh nh s 69/2007/N-CP ngy 20/04/2007 ca Th tng Chnh ph v vic nh u
t nc ngoi mua c phn ca Ngn hng thng mi Vit Nam:
-
i vi mt nh u t nc ngoi khng phi l t chc tn dng nc ngoi v ngi

c lin quan ca nh u t nc ngoi th mc s hu c phn khng vt qu 5%
vn iu l ca mt NHTM VN;
i vi mt t chc tn dng nc ngoi v ngi c lin quan ca t chc tn dng nc

ngoi th mc s hu l khng vt qu 10% vn iu l ca mt NHTM Vit Nam;
i vi nh u t chin lc nc ngoi v ngi c lin quan ca nh u t chin

lc nc ngoi th mc s hu c phn ny l khng vt qu 15% vn iu l ca mt
NHTM Vit Nam;
Trng hp c bit, trn c s ngh ca NHNN Vit Nam, Th tng Chnh ph s

quyt nh mc s hu c phn ca mt nh u t chin lc v ngi c lin quan
vt qu 15%, nhng khng vt qu 20% vn iu l ca mt NHTM Vit Nam.
Ti ngy 30/06/2009, cc nh u t nc ngoi (bao gm 04 t chc) nm gi 221.020.365

c phn, tng ng 25,22% phn vn c chp nhn ng k lu k ln u ca Eximbank.
7. Cc loi thu c lin quan
i vi ngn hng:
Thu sut thu thu nhp doanh nghip p dng i vi cc hot ng kinh doanh ca
Ngn hng l 25%.
Ngoi thu thu nhp doanh nghip, EIB cn thc hin np cc loi thu khc trong qu
trnh hot ng kinh doanh, bao gm: Thu Gi tr gia tng, Thu xut nhp khu, Thu
nh t v cc loi thu khc.
Chi tit tnh hnh thc hin ngha v vi Ngn sch nh nc ca EIB ti thi im 30/06/2009:
n v: triu ng
Ch tiu
1. Thu GTGT
Pht sinh trong k
S cn phi
np u k
S phi np
S cn phi np
cui k
S np
(3.040)
10.900
7.012
848
(49.259)
181.261
46.114
85.888
4. Thu xut, nhp khu
5. Thu s dng vn NSNN
6. Thu ti nguyn
2. Thu tiu th c bit

3. Thu TNDN
BN CO BCH
108

7. Thu nh t
8. Thu thu t
12.876
12.273
25.045
104
405
405
(39.423)
204.845
78.582
86.840
9. Cc loi thu khc

10. Cc khon ph, l ph v
cc khon phi np khc
Tng cng
i vi nh u t:
Theo Ngh nh 100/2008/N-CP ngy 08/09/2008 quy nh chi tit mt s iu ca Lut
thu Thu nhp c nhn v thng t s 84/2008/TT-BTC ngy 30/09/2008 ca B Ti
chnh hng dn thu thi hnh mt s iu ca Lut Thu thu nhp c nhn v hng
dn thi hnh Ngh nh s 100/2008/N-CP ngy 08/9/2008:
Thu nhp tnh thu t chuyn nhng chng khon:
Thu nhp tnh thu t chuyn nhng chng khon, bao gm c chuyn nhng
quyn mua c phiu c xc nh bng gi bn chng khon tr (-) gi mua, cc
chi ph lin quan n vic chuyn nhng.
Gi bn chng khon c xc nh nh sau:
- Gi bn chng khon nim yt l gi chuyn nhng thc t ti S Giao dch
chng khon, Trung tm Giao dch chng khon;
- Gi bn chng khon ca cng ty i chng cha nim yt, thc hin ng k
giao dch ti Trung tm Giao dch chng khon l gi chuyn nhng thc t ti
Trung tm Giao ch chng khon;
- Gi bn chng khon ca cc n v khng thuc hai trng hp nu trn l gi
ghi trn hp ng chuyn nhng hoc gi theo s sch k ton ca n v c
chng khon c chuyn nhng ti thi im bn.
Gi mua c xc nh nh sau:
- Gi mua ca chng khon nim yt l gi thc mua ti S Giao dch chng
khon, Trung tm Giao dch chng khon;
- Gi mua chng khon ca Cng ty i chng cha nim yt, thc hin ng
k giao dch ti Trung tm Giao dch chng khon l gi thc t mua ti Trung
tm Giao dch chng khon;
- Gi mua chng khon ca cc n v khng thuc hai trng hp nu trn l gi
ghi trn hp ng chuyn nhng hoc gi theo s sch k ton ca n v c
chng khon c chuyn nhng ti thi im mua.
BN CO BCH
109

Chi ph lin quan n vic chuyn nhng chng khon l cc khon chi ph thc
t pht sinh c chng t, ha n hp php, bao gm:
- Ph nhn chuyn nhng v ph chuyn nhng chng khon;
- Ph lu k chng khon;
- Chi ph u thc chng khon;
- Cc khon chi ph khc.
Thu sut:
Thu sut i vi thu nhp t chuyn nhng vn gp l 20% trn thu nhp tnh
thu ca mi ln chuyn nhng.
Thu sut i vi thu nhp t chuyn nhng chng khon l 20% trn thu nhp
tnh thu c nm ch p dng i vi trng hp i tng np thu thc hin
ng quy nh ca php lut v k ton, ha n, chng t, xc nh c thu
nhp tnh thu quy nh v ng k thc hin n nh vi c quan Thu t thng 12
ca nm trc.
i vi cc trng hp khc ngoi trng hp trn, p dng thu sut 0,1% trn
gi chuyn nhng chng khon tng ln.
Theo thng t s 27/2009/TT-BTC ngy 06/02/2009 ca B Ti chnh hng dn thc
hin vic gin thi hn np thu thu nhp c nhn:
i tng c gin np thu thu nhp c nhn quy nh ti Thng t:
C nhn c tr c thu nhp t u t vn; thu nhp t chuyn nhng vn (bao
gm c chuyn nhng chng khon).
C nhn khng c tr c thu nhp chu thu t u t vn, chuyn nhng vn
(bao gm c chuyn nhng chng khon).
Gin thi hn np thu:
Thi gian c gin np thu: t ngy 01/01/2009 n ht ngy 31/05/2009.
n thng 5 nm 2009, Chnh ph s trnh Quc hi quyt nh vic x l s thu
c gin np ny, khi s thc hin theo quyt nh ca Quc hi.
K hp th 5 Quc hi kha XII ngy 19/06/2009, Quc hi thng qua phng n
min gim thu TNCN vi ni dung chnh nh nu trn. K t ngy 1-7-2009 n ht
nm 2009, ch c i tng c thu nhp t u t vn, chuyn nhng vn, t bn
quyn, nhng quyn thng mi mi c min thu.
Ht thi hn gin np thu, t chc, c nhn c gin np thu phi thc hin theo
hng dn ca B Ti chnh.
Chi
BN CO BCH
110

VI. CC I TC LIN QUAN N VIC NIM YT
T CHC T VN
Cng ty C phn Chng khon Rng Vit (VDSC)
a ch:
Lu 3,4,5 ta nh Estar, s 147 149 V Vn Tn, P.6, Q.3, TP. H Ch Minh
in thoi:
08 6299 2006 Fax: 08 6299 2007
Website:
www.vdsc.com.vn
T CHC KIM TON

Cng ty TNHH Price Waterhouse Coopers
a ch:
Lu 4, Ta nh Saigon Tower, 29 L Dun, Q.1, TP. H Ch Minh
in thoi:
08 3823 0796 Fax: 08 3825 1974
BN CO BCH
111

VII. PH LC
1. Ph lc I
: Bn sao hp l Giy chng nhn ng k kinh doanh v ng k thu
s 0301179079 (S KKD c: 059023) ng k ln u ngy 23/07/1992; ng k

thay i ln th 15 ngy 10/08/2009.
2. Ph lc II
: Bn sao hp l iu l ca Ngn hng.
3. Ph lc III
: Bo co ti chnh
Bo co ti chnh c kim ton nm 2007;
Bo co ti chnh c kim ton nm 2008;
Bo co ti chnh 06 thng u nm 2009 do Ngn hng TMCP Xut

Nhp khu Vit Nam lp;
4. Ph lc IV
: Vn bn cam kt ca Hi ng qun tr Ngn hng TMCP Xut nhp
khu Vit Nam.

5. Cc vn bn khc c lin quan:
Cc vn bn php l lin quan n t chc nim yt:
STT
1
2
3
4
5
6
7
8
9
10
C quan
Ngy
ban hnh
ban hnh
Lut Doanh nghip
Quc hi
29/11/2005
Lut thng mi
Quc hi
14/6/2005
Lut cc t chc tn dng
Quc hi
12/12/1997
Quc hi
15/6/2004
Tn vn bn
vn bn
60/2005/
QH 11
36/2005/
QH 11
07/1997/
QHX
20/2004/
Lut sa i b sung mt s iu ca Lut
QH11
cc t chc tn dng
28/2005/PLUBTVQH11
Php lnh ngoi hi
139/2007/
Ngh nh hng dn chi tit thi hnh mt
N CP
s iu ca lut DN
88/2006/
Ngh nh v ng k kinh doanh v c
N CP
quan ng k kinh doanh
146/2005/
Ngh nh v ch ti chnh i vi cc t
N CP
chc tn dng
64/2001/
Ngh nh v hot ng thanh ton qua cc
N CP
t chc cung ng dch v thanh ton
160/2006/
BN CO BCH
UBTV
Quc hi
13/12/2005
Chnh ph
05/9/2007
Chnh ph
27/9/2006
Chnh ph
23/11/2005
Chnh ph
20/9/2001
Ngh nh hng dn thi hnh php lnh Chnh Ph
28/12/2006
112

N-CP
11
163/2006/
N-CP
ngoi hi
Ngh nh v giao dch bo m
Chnh Ph
29/12/2006
NHNN
27/8/2001
NHNN
4/9/2001
NHNN
29/7/2002
NHNN
4/7/2008
NHNN
29/4/2008
NHNN
15/5/2007
NHNN
26/6/2006
NHNN
19/4/2005
NHNN
19/1/2007
NHNN
5/12/2008
Quyt nh v vic ban hnh Quy nh v t

12
1087/2001/
chc v hot ng ca Hi ng qun tr,
Q-NHNN
Ban kim sot, Tng gim c NHTM c

phn ca nh nc v nhn dn
13
1122/2001/
Q-NHNN
Quyt nh v vic ban hnh quy nh v c

ng, c phn, c phiu v vn iu l ca
NHTM c phn ca Nh nc v nhn dn
Quyt nh v vic quy nh c ng, c
phn, c phiu v vn iu l ca NHTM c
14
797/2002/
phn ca Nh nc v nhn dn do Thng
Q-NHNN
c NHNN ban hnh, b sung, sa i

mt s iu ca ban hnh km theo Q s
1122/2001/Q-NHNN
Quyt nh v vic sa i, b sung mt s
15
20/2008/
Q-NHNN
iu ca Quy nh v c ng, c phn, c

phiu v vn iu l ca NHTM c phn
ca Nh nc v Nhn dn ban hnh theo
Quyt nh s 1122/2001/Q-NHNN
16
17
18
19
13/2008/
Quyt nh v quy nh v mng li hot
Q-NHNN
ng ca ngn hng thng mi
20/2007/
Q-NHNN
Quyt nh v vic ban hnh Quy ch pht

hnh, thanh ton, s dng v cung cp dch
v h tr hot ng th ngn hng
26/2006/
Quyt nh v vic ban hnh Quy ch bo
Q-NHNN
lnh ngn hng
457/2005/
Q-NHNN
Quyt nh v vic ban hnh Quy nh v

cc t l bo m an ton trong hot ng
ca t chc tn dng
Quyt nh v vic sa i, b sung, mt s
20
03/2007/
Q-NHNN
iu ca Quy nh v cc t l bo m an
ton trong hot ng ca TCTD ban hnh
km theo Quyt nh s 457/2005/QNHNN ngy 19/4/2005
21
34/2008/
BN CO BCH
Quyt nh v vic sa i, b sung, mt s
113

Q-NHNN
iu ca Quy nh v cc t l bo m an
ton trong hot ng ca TCTD ban hnh
km theo Quyt nh s 457/2005/QNHNN ngy 19/4/2005
Quyt nh ban hnh quy nh v phn loi
22
493/2005/
n, trch lp v s dng d phng x l
Q-NHNN
ri ro tn dng trong hot ng ngn hng
NHNN
22/4/2005
NHNN
25/4/2007
NHNN
31/12/2001
NHNN
03/02/2005
NHNN
31/5/2005
NHNN
13/9/2004
NHNN
25/9/2006
ca t chc tn dng
Quyt nh v phn loi n, trch lp v s
dng d phng x l ri ro tn dng
trong hot ng ngn hng ca TCTD
sa i, b sung mt s iu ca Quy nh
23
18/2007/
v phn loi n, trch lp v s dng d
Q-NHNN
phng x l ri ro tn dng trong hot

ng ngn hng ca TCTD theo Quyt nh
s 493/2005/Q-NHNN ngy 22 thng 4
nm 2005 do Thng c Ngn hng Nh
nc ban hnh
24
1627/2001/
Quyt nh v vic ban hnh Quy ch cho
Q-NHNN
vay ca t chc tn dng cho khch hng

Quyt nh v vic sa i, b sung mt s
25
127/2005/
Q-NHNN
iu ca Quy ch cho vay ca TCTD i

vi khch hng ban hnh theo Quyt nh
s 1627/2001/Q-NHNN ngy 31/12/2001
ca Thng c Ngn hng Nh nc
Quyt nh v vic sa i, b sung Khon
6 iu 1 ca Quyt nh s 127/2005/QNHNN ngy 03/02/2005 ca Thng c
26
783/2005/
NHNN v vic sa i, b sung mt s iu
Q-NHNN
ca Quy ch cho vay ca TCTD i vi

khch hng ban hnh theo Quyt nh s
1627/2001/Q-NHNN ngy 31/12/2001 ca
Thng c Ngn hng Nh nc
27
28
1160/2004/
Quyt nh ban hnh quy ch v tin gi
Q-NHNN
tit kim
47/2006/
Quyt nh sa i, b sung mt s iu
Q-NHNN
ca quy ch v tin gi tit kim ban hnh
BN CO BCH
114

km theo quyt nh s 1160/2004/QNHNN ngy 13/9/2004 ca Thng c ngn
hng nh nc
29
30
31
32
33
34
1284/2002/
Q-NHNN
Quyt nh ban hnh quy ch M v s

dng ti khon tin gi ti NHNN v cc
Quyt nh ban hnh ch chng t k
Q-NHNN
ton Ngn hng
Q-NHNN
35/2006/
Q-NHNN
nghip v thanh ton b tr in t lin
NHNN
12/5/2003
NHNN
31/7/2006
Chnh ph
16/07/2009
Chnh ph
20/04/2007
Quyt nh v vic ban hnh Quy nh v

cc nguyn tc qun l ri ro trong hot
ng ngn hng in t do NHNN ban hnh
N-CP
hng thng mi
BN CO BCH
12/12/2005
ngn hng
Ngh nh v t chc v hot ng ca ngn
N-CP
NHNN
Quyt nh ban hnh quy trnh k thut
59/2009/
69/2007/
21/11/2002
TCTD
1789/2005/
457/2003/
NHNN
Ngh nh qui nh v vic nh u t nc

ngoi mua c phn ca Ngn hng thng
mi Vit Nam
115

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NGN HNG TMCP XUT NHP KHU VIT NAM

(Giy chng nhn KKD s 0301179079 (s c: 059023) do S K hoch v u t Tp. H Ch

C phiu Ngn hng C phn Xut Nhp Khu Vit Nam

10.000 ng/c phiu

Tng s lng nim yt: 876.226.900 c phiu

8.762.269.000.000 ng (theo mnh gi).

T CHC KIM TON

Fax: (84.8) 3825 1974

Fax: (84.8) 62992007

Email: vdsc@vdsc.com.vn Web: www.vdsc.com.vn

NGN HNG TMCP XUT NHP KHU VIT NAM

Ri ro v thanh khon .............................................................................................. 4

Ri ro t cc hot ng ngoi bng ........................................................................... 5

Ri ro lut php ....................................................................................................... 5

NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH ... 7

T chc nim yt ..................................................................................................... 7

CC KHI NIM ...................................................................................................... 8

IV. TNH HNH V C IM CA T CHC NIM YT .............................................. 10

Tm tt qu trnh hnh thnh v pht trin ................................................................ 10

C cu t chc ca Ngn hng ............................................................................... 15

Danh sch c ng nm gi t trn 5% vn c phn ca ngn hng; Danh sch c ng

Hot ng kinh doanh ............................................................................................ 19

Bo co kt qu kinh doanh nm 2007, 2008 v 06 thng u nm 2009 ................... 47

V th ca Ngn hng so vi cc ngn hng cng ngnh........................................... 52

Chnh sch i vi ngi lao ng .......................................................................... 61

Chnh sch c tc.................................................................................................. 63

Tnh hnh ti chnh ................................................................................................. 64

NGN HNG TMCP XUT NHP KHU VIT NAM

K hoch li nhun v c tc .................................................................................. 99

nh gi ca t chc t vn v k hoch li nhun v c tc .................................. 101

C PHIU NIM YT ........................................................................................... 105

Tng s c phiu nim yt : 876.226.900 c phiu................................................. 105

S lng c phiu b hn ch chuyn nhng theo qui nh ca php lut hoc ca t

: c phiu ph thng ..................................................................... 105

: 10.000 ng/c phn ....................................................................... 105

chc nim yt...................................................................................................... 105

Phng php tnh gi ........................................................................................... 106

Gii hn v t l nm gi i vi ngi nc ngoi ................................................. 108

Cc loi thu c lin quan .................................................................................... 108

VI. CC I TC LIN QUAN N VIC NIM YT................................................... 111

NGN HNG TMCP XUT NHP KHU VIT NAM

Ri ro li sut pht sinh khi c s chnh lch v k hn ti nh gi gia ti sn n v ti sn c

NGN HNG TMCP XUT NHP KHU VIT NAM

NGN HNG TMCP XUT NHP KHU VIT NAM

NGN HNG TMCP XUT NHP KHU VIT NAM

NGN HNG TMCP XUT NHP KHU VIT NAM

- Chc v : Ch tch HQT

- Chc v : Trng Ban kim sot

- Chc v : Tng Gim c

- Chc v : K ton trng

Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l ph hp vi thc t

- Chc v : Tng Gim c

NGN HNG TMCP XUT NHP KHU VIT NAM

Bn cng b thng tin ca Ngn hng thng mi c phn Xut Nhp

Ngn hng thng mi c phn Xut Nhp khu Vit Nam.

Vn iu l c chia thnh nhiu phn bng nhau.

T chc hoc c nhn s hu mt hoc mt s c phn ca EIB.

Chng ch do EIB pht hnh xc nhn quyn s hu mt hoc mt s c

iu l ca EIB c i hi ng c ng ca Ngn hng thng qua

S vn do tt c c ng ng gp v c ghi vo iu l ca EIB hoc

nm mi hai thng tnh t 00 gi ngy 01 thng 01 n 24 gi ngy 31

Ngi lin quan

C nhn hoc t chc c quan h vi nhau trong cc trng hp sau y: