ASBANKC KE HOACH KINH DOANH NAM 2018 Tp.HCM, thang 3 niim 2018 7 [ Ri hoach Kink doanh 2078MYC LUC KE HOACH TOM TAT, KE HOACH CHI TIET ~ PHAN I. TONG QUAN TH] TRUONG NAM 2018... 1 DY BAO KINH Té THE GIOI VA VIET NAM NAM 2018. M.-Y BAO TH] TRUONG TAI CHINH ~NGAN HANG VIET NAM NAM 2018, PHAN 2 - KE HOACH KINH DOANH NAM 2018. : CAC UU TIEN CHIEN LUQC NAM 201 u CHiTIEU TAICHINH 1. Cée chi tiu hogt dng kinh doanh ton hang nim 2018 2. Kéhogeh Xi ly ng 2018 13 I Ké HOACH HANH BONG NAM 2018, A CHi TIEU VE KHACH HANG - B01 NGOAI 1. Khach hang cf nan 2. -Khaeh hing doanh nghigp 5 3. Khich hing doanh nghigp vira va nh (SME) 16 4. Hogt dng dau tu liga ngin hing 7 C CHi TIEU KE HOACH VE VAN HANH VA TO CHUC., 1. Quan y tin dyng 2 Céng tie Xir ly ng 20 3. Quin ly rai ro 20 4. Quin ly van hanh 24 5. The hign S myc tiéu va ci sing kin chia luge 2 6 Quam iy ehdt hrgng dich vy 2 7. Quin ly cong nghg thing tin (CNT) 2 8. Kiém tofin ngi bp 22 9. Phap ché va tuan thi 23 D. KE HOACH PHAT TRIEN NGUON NHAN LUC PHY LUC. Ké hoach tai chinh ABBANK nam 2018 T [RE RogEH Kink oan 2078KE HOACH TOM TAT L Mt sé nhiém vu trong tim trong nam 2018 = Tiép tuc thuc hién Tm nhin va céc dinh hudng chién Iusge dén 2020 ctia ABBANK: +. Tép trung vio ban Ié + Gia tang ty trong thu dich vy trong co’ cdu thu nhap bao gém thu tir dich vu ngan hang truyén théng va dich vy khéc nhur dinh gid tai san, tu van va hgp tac bio + Cai thign chi tiéu ROE theo hudng tiép cn gn vi Top 5 nhém cdc NHTMCP tu doanh, + Xay dung méi truing lim vige than thign va chuyén nghigp + Quan tri doanh nghiép hign dai theo tigu chudn quéc té: théng qua vige trién khai giai doan 2 cua Du an "Nang cao higu qui t6 chite va hoat dng cla ABBANK" = Tiép tue duy tri dinh mite tin nhigm cao trén thi trudng. = Nang cao vi thé thuong higu ca ABBANK trén thi trudng, Chii trong phat trién céng nghé ngén hing s6 (Digital Banking) dé tgo nén ting cho su dt pha vé san pham canh tranh phn khiic KHCN va SME, va nang cao nang luc kiém soat vé rii ro va cong nghé Trién khai cdc dur an chién luge 44 duoc HDQT phé duyét trién khai trong nam 2018 (Dur dn Digital Banking; Dir dn Thé diém hé so’ (Application Scorecard) cho khdch hang SME....) Dua cé phiéu ABBANK lén san giao dich chimg khodn. ‘Nang cao higu qua hoat déng, dam bao hap thy va sir dung tt vén chi sé hitu ting va tao tién dé bén ving cho tng trudng trong dai han. Voi cée dinh hudng chién luge trén, toan hang sé tiép tue tap trung nguén Ie vao ba link vue: (i) Khach hang; (ii) Van hanh - t6 chu; va (iii) Hoc tp va phat trién trong nam 2018 dé dat uge myc tiéu tai chinh, (1) Khéch hang gém: Khéch hang ca nhan, Khach hang doanh nghigp vira va nhd (SME); Khdch hang doanh nghiép, Hoat déng dau tu lign ngin hing vi Hoat déng phat trién mang ludi & thuong higu 3 | Re Reach Kinh doanh 2078(2) Van hank = 06 chic gdm: Quin 1y tin dung, Cong tée xit ly ng, Quan IY rii ro, Quin IY vn hanh, Quan ly chat lurong va Quan IY céng nghé thong tin, Hoat déng Kiém todn ngi bd va Phap ché, tuan thi. (3) Hoc tdp va phat trién nguén nhén luc Ii. Bang tom tit ede muc tigu tai chinh 2018 Dot: ding Ké So voi the t& | So voi ké hoach a hoach Nim 2017 nim 2017 nim 2017 Chi tiéu mim {Th a ye é 9 y 2018 ign | hoach_|** lice le Tang tai san 106.198 | _ 84.724 | 80.600 | 21.473 | 125% | 25.598 | 132% Dung 70.024 | _ 57.175 | 36.666] 12.850 | 122% | 13.358[ 124% = Thi trudng 1 35.263 | 48.226 _51.262| 7.037| 115% | 4.001] 108% ~ Thi trung 2 14761 | 8.948] 5.404] 5.813] 165%| 9.357| 273% Huy dong, 96.714[ 76.956 | 73.353 | 19.757 | 126% | 23.360 | 132% ~ Thi trudng | 82.837 | 62.593 | 64.669 | 20.244 | 132% 18.168] 128% | ~ Thi trudng 2 13.876| 14.363] 8.684] (487) | 97%| 5.192] 160% [Tong thu nhép 3.2613] 2.681, | 2.6761 | 3802] 122%| 5852 122% Chi phi hoat d6ng 1,804,3| 1.5651 | 1.650,1| 2393] 115% | 1542| 109% Loi nhun tude 5 : PRETO 1.4569} 1.1160] 1.0259} 340,9) 131%] 431,0| 142% Tong chi phidy phong |, : Re 556.9) 5113] $76,0| 45,6} 109%] (19,0)| 97% Loi nhujn trude thug | 9000] 604,7|450,0| 2953 | 149% | 450,0[ 200% II, Bang tém tit cdc chi tigu tai chinh quan trong 2018 Renn Nam 2017 é hoa Chi tie o é VT nen nim 2018 | Thye hign | KE QD hoach Suit sinh (oi rude thu/ VCSH (ROaE) | 136% | 102% | 7.7% | %nim | Sut sinh Toi trade thud Tong TS (ROaA) | _0,9% 08% | 06% | %inam Chi phi hoat dGng/ Thu hap rong (CIR) | 931% | 557% | 59.3% % Ty 1g an todn von (i thigu (CAR) 39% 12,6% | _>9% % Tong TS/ Von CSH (AJE) 142 139 138 Lin No phai tra/ Von CSH (D/B) 132 12,9 12,8 Ln Vn CSH/ Ting TS (B/A) 71% 72% 7.3% % ‘Nog phai tral Tong ti san (D/A) 92,9% | 92.8% | 92,7% % Cho vay 2TT/ Tong TS (LAR-HE s6 , y : an 619% | 726% | 73,0% % T [Re Ragen Kink dann 2075Chi tiga KE hoach Nim 2017 BVT Cho vay/ Tong huy dong (LDR) 65,0% | 766% | 77.9% % ae trarde thug! 1 Nha vin toan = in mee Chi phi hoat dGng/ | Nhiin vign toan hang | 395 402 415 _ | TrddngiNam IV. Kéhoach Xir ly no 2018 Toan hang thu hdi/xir ly t hign eta nim 2017, trong 46 Ban xir ly ng thu hi xir ly ti thiéu 250 ty ding Ké hoach hoat dng ctia ABBANK nim 2018 duoc cu thé tai ndi dung chi Tran trong, thiéu 700 ty déng ng x4u chudn quéc té - tong durong véi két qua thye ‘MCP An Binh Giam doe NGUYEN MANH QUAN 3 | Ko Roach Kink doanh 2076 ==KE HOACH CHI TIET PHAN I. TONG QUAN TH] TRUONG NAM 2018 L DY BAO KINH TE THE GIGI VA VIET NAM NAM 2018 1. Kinh té Thé giéi Nén kinh té toan cdu 2018 duoc du bao sé duy tri duoc da ting trudng cia nam 2017. Theo 46, dur bao ciia IMF vé ting trudng kinh té toan cdu nm 2018 sé dat 3,4%. Hi nghi APEC (T11/2017) da dua ra tuyén bé chung vé vige cdc bén ting cudng hop tac dé dim bao thuong mai bao trim hon, ting hé ting cudng co hoi tiép cn thi trang va xit ly cde thee tin thuong mai Khéng céng bang. Bong thoi kéu goi dd bo cde hinh thise bop méo thi trudng cing nhu cac logi hinh hé tre khac cla chinh phi. Higp dinh thuong mai da phuong CP-TPP, thay thé cho TPP va khéng c6 sy tham gia cila M9, da duge ky két thang 3/2018. Day cé thé coi li dét pha cia thuong mai ty do khu vyc, dénh dau mét mdc mdi trong tién trinh hi nhap quéc té va phat trién thurong mai da phuong. 2. Kinh té Vigt Nam Téc d6 ting trudng GDP 2017 dy bio dat 6,7%, ting so véi nim 2016 (6,21%). Ba ting trudng & cdc nén kinh té Gn duge dy manh va thuong mai toan cdu dang hai phyc trong nim 2017 nhd thu nhap tang lén va ty 1é nghéo gidm xudng, nén kinh té Vigt Nam sé c6 thém mot nam khdi sie véi ting truréng cao va kinh té vi mé nhin chung én dinh. Il. DU’ BAO TH] TRUONG TAI CHiNH - NGAN HANG VIET NAM NAM 2018 1. Laisuat Lai sudt huy déng trén thi trumg 1 tang nhe khi mét sé Ngan hing Thuong mai (NHTM) kin 6 ty trong tién giti Idn la ViettinBank va BIDV diéu chinh ting lai sudt 6 céc ky han ngin. Mac dit lai sudt huy déng co tang nhe 6 m@t sé NHTM, song lai sudt cho vay khé én dinh. Hign tai, 1ai sudt cho vay $ linh vuc wu tién & mite 6,5%, cd bigt cd NHTM & mirc 6%, véi Tinh vue sin xuat kinh doanh thong thudng, lai suat phd bién & mite 9,3-11% ky han tir 6 thang tro lén. © | Re hosch Kinh dean 2078Lai sudt huy dong va cho vay dir bo sé khéng c6 nhiéu thay ddi trong niza dau 2018 ma chi chiu mét sé ap luc tap trung vao cudi ném nhu ting trudng tin dung & mite kha, hay FED tiép tue chin sich that chat tién té khién site ha clia VND cé thé giam so véi USD. Ngan hang Nha nuéc (NHNN) ¢6 thé can nhc tiép tuc gidm nhe mét sé [ai sudt diéu hanh, bao gdm ca lai suat thi trudng md. Trong khi dé, Iai suat trén thi trumg lién ngan hing nhin chung sé & mize thép va c6 thé 6 nhiing bién déng tang trong ngdn han theo yéu t6 mita vy, dac biét la vao dip Lé Tét hoae dap ting nhu cau gidi ngan ciia Ngan sach trong ngén han. 2 Tyeid Thi trading ngoai hdi van dang duoc hé tre nhiéu tir cdc yéu t6: Cung ngoai té duoc hd tro dang ké khi can cén thuong mai xuat siéu tro lai va dong vén dau tu nude ngoai ting kha; Chénh léch gidta lai suat huy déng VND va USD van nghiéng vé viéc nim gitr VND; Du trit ngoai héi van sé duge NHNN duy tri & mite cao, tao dur dia kha tét trong vige én dinh ty gid. ‘Ty gid USD/VND én dinh va tiép tue duge hé tra bi ngudn cung ngoai té ddi dao. Tinh dén ngiy 29/03/2018, ty gid trung tam & mize 22.463 VNDIUSD, tang 0,21% so véi cudi nam 2017 Trong khi dé, ty gid NHTM ting khodng 0,25%, tj gid thi trudng ty do tang 0,4% so véi diu nam 2018 3. Tang truéng Tin dung Daing trude Ap luc nén kinh té duge dy bio sé c6 nhigu théch thie hon trong nm 2018, dc bigt la cdc dién bién kho long cia kinh té thé gidi, ting trudng tin dung dy bao sé chi duy tri twong duong véi mize ting trudng trong nim 2017. Véi myc tiéu kiém soat quy mé tin dung di déi véi nang cao chat lugng tin dung, muc tigu t&ng truding tin dung d&t ra cho nam 2018 sé khdng cao hon nhieu so v6i 2017 va tiép tue wu tién cho cdc inh vue néng nghigp, ndng thén, xudt khdu,... va gidm sat cp tin dung déi voi cde nganh tiém an nhiéu ri ro nhur bat déng sin. Dur bao, nim 2018, NHNN sé diéu hanh mite tang trudng tin dung ca to’n nginh trong khoang tir 14% - 17% trong c& nim 2018 7 | Ko fegch Kink dann 20184, Noxdu & VAMC Cac NHTM dang diy manh vige xir ly ng xdu dya vao Nghi quyét sé 42/2017/QH14 cia Quéc hdi. KY vong viée xit ly ng xdu tir nim 2018 sé kha quan, nhung van can thém cae chinh sich hd tro. 5. Hoat dng kinh doanh cic ngin hang Nhiing yeu t6 tich cuc tir mdi trudng kinh té vi md sé gitip khiic phuc nhiing diém yéu trong. co cau va hé trg trién vong phat trién dn dinh cho nganh ngan hang nam 2018. Tuy vay, ganh nang dy phang rii ro cho céc khoan ng x4u va trai phiéu VAMC tiép tye téc d6ng tiéu eye lén lgi nhujn cia cdc ngan hang, ciing nhu qué trinh trién khai Basel II sé gay ap lye ldn tdi co cdu vin cla cic ngan hang trong hé théng. PHAN 2- KE HOACH KINH DOANH NAM 2018 1. CAC UU TIEN CHIEN LUQC NAM 2018 1. Tiép tue thyc hign Tam nhin va cae dinh huéng chién luge dén 2020 cia ABBANK Tap trung vio lin vyc ban Ié +. Chit trong phat trién mang kinh doanh khach hing Cé nhin va SME, Khoi KHDN va Khdi ngudn van tiép tue phat huy thé manh ciia minh trong hoat déng kinh doanh va day manh viée phéi hop véi hai khdi KHCN va SME nhim xay dung cdc chuong trinh, sin pham nhim khai théc hé sinh thai khach hing, déi téc ctia cdc khdich hang. + Téi da héa higu qua ciia hé théng mang ludi sin cé bing vige phat trién mang kinh doanh KHCN tai tat e cde diém giao dich; ddng thoi xem xét va phén bd Iyc luong kinh doanh ‘mang khach hang SME mét eich hgp ly; tap trung méng kinh doanh KHDN tai cdc Chi nhanh cd quy mé Ién, di digu kign vé thi trudng va ngudn lye vé co sé vat chat va d6i ngii ban hang, - Thyc hign muc tigu Top $ ROE: Nang cao higu qua hoat dng, t6i da héa loi nhudn va kiém sodt chi phi nhiim nang chi tigu ROE theo hudng tiép cn gin Top 5 nhém céc Ngdn hang tur doanh. ~ _ Xay dug mét nén van héa lam vige than thign va chuyén nghigy 3 | Ro no—ch Kink doanh oie= Quan tri doanh nghiép hign dai theo tiéu chuan quéc té: Ap dung mé hinh song tring quan IY, 8 nang cao higu qua quan tri digu hanh; tip trung nguén lye cho kinh doanh tai tat cé cae diém ban va quan tri rif ro higu qua theo hudng tiép cn véi khung quan tri Basel I 2. Tip tye duy tri dinb mite tin nhigm eao trén thi trudng Trong nim 2016, ABBANK duge Moody's nang mire xép hang tin nhiém co sé (BCA) tir B3 lén B2, tiép tuc nim trong nhém din dau cae ngan hang TMCP tu doanh duge xép hang tai Viet Nam. Tiép ndi thanh cng nay, nam 2017 ABBANK tiép tuc tham gia va khai théc xép hang tin nhigm tir céc 15 chire dinh mie tin nhigm uy tin nhat thé gidi véi ky vong s® mang lai két qua tich ccuc va tao site lan t6a thuong higu ABBANK trong thi trang nganh Ngdn hang Vigt Nam, dic biét ‘g6p phan tgo uy tin va thu hat khach hang va déi tée sir dung dich vu ABBANK. 3. Nang cao vj thé thuong higu cia ABBANK trén thi tring ABBANK tiép tue déy manh phat trién thuong higu ABBANK trén thi truéng véi muc tiéu ‘rd thinh Ngan hang TMCP hing dau Vigt Nam tap trung linh vue bén Ié, Theo 46, dinh vi thucng higu ABBANK duc gn lin voi hinh anh mét ngan hang ban Ie than thién, uy tin, gitip dén gan voi khich hang, tao su tin tung va thu hiit su quan tm tir khch hang, tir 46 gitip vun dp hinh nh tich cye cia khach hang d4i véi thuong higu va san phim dich vy cla ABBANK. 4. Chi trong phat trién céng nghé ngin hang s6 (Digital Banking) ABBANK sé diy manh dau tw phat trién va ding dung céng nghé hign dai, tao nén tang cin ban cho su dt phd vé phat trién sin phim da dang va gia ting sin phim ham lugng cong nghé cao trong vige canh tranh phan khic KHCN vi SME nhim dép (ing nhu cau ngay cng cao, tao sur tién Igi di da cho khach hang. 3. Tiép tuc trién khai cdc sang kién chién hrge Chang duong xay dung va ciing cé nén ting cho giai doan phat trién bén ving cla ABBANK sip cén dich theo diing 16 trinh 48 ra. Tinh tir 2014 dén 31/12/2016, ABBANK da trién khai 20 dir 4n, va dén 31/12/2016, da c6 15 dur én hoan thinh 100%; 05 dy dn con lai d& va s@ tiép tue trién khai va dy kién déu sé hoan thanh vo cudi nam 2020. Ngoai ra, HQT ciing luén chi déng xay dung 3 | RE ope Ki dean 258dinh huéng va phé duyét trién khai cdc dy én mang tam chién luge can thiét trong timg giai doan nu: Dy dn nang cao higu qua t6 chite va hoat dng ABBANK (hoan thanh giai doan | nam 2017 va tiép tue trién khai trong 2018); Dy an Digital Banking (trién khai trong 2018); Dy an Nong nghiép thong minh ({rién khai trong 2018 va 2019),..v.v Cae du dn di khi vao hoat dng 4a mang lai higu qua thiét thye dén ABBANK, gép phan xay dung hinh anh mat ABBANK higu qua, chuyén nghiép va hign dai hon. 6. Buacé phiéu ABBANK len san giao dich ching khoin Hoi jong Quan tri (HQT) va Ban diéu hanh thuc hién cac céng viée tiép theo dé dua co phiéu ABBANK én sin giao dich ching khoan sau khi Bai hoi c6 déng théng qua phuong an niém yet. 7. Gia tng ty trong thu dich vu trong co c4u thu nhap Giam dan [é thude vao thu nhgp tir lai, dac biét la 16 thude vao thu nhap tir kinh doanh cia hoat déng nguén von nhur ty gid, tréi phiéu,. 8. Nang cao higu qua hoat dng, dim bao hap thy va str dung t6t von chii sd hiru ting va tgo tién dé bén ving cho ting trudng trong dai han, Trong trong hgp vén chi sé hitu ting: Xay dung va trién khai phuong an sir dung vn ting mét cach higu qua va theo sat 16 trinh tng vén. Cu thé: = Dau tu higu qua cho cdc dur én phat trign ha ting, nhiim tao tién d& cho phat trién dai han ~ Nang cao chat long tai Sn cing nhur xay dung co edu tai sin trung, dai han hop ly dé t6i wu hhéa higu qua sir dung vén vi dim bio an todn, én dinh - Dam bao ty suat loi nhudn hop ly dé xdy dung long tin ciia céc c8 dong va khing dinh vi thé canh tranh ciia ABBANK trén thi trudng. 10 [RE Roach Ki doanh 7OHRI. CHI TIEUTAICI 1H 1. Cac chi tigu hoat dng kinh doanh ton hing nam 2018 1.1 Chitiéu Tai chinh nam 2018 7 Bvt: ty déng Ké . So véi thuc té So vi ké Nam 2017 2017 hogch 2017 Chi tigu ee = d . we | Ke " th % oF |.CA 2018 | hign | hogch Y Tong tai sin 106.198 | 84.724| 80.600 | 21.473 | 125% | 25.598 | 132% Tong cho vay 55.263 | 48.226| 51.262] 7.037) 115% | 4.001 | 108% Cho vay | Doanh nghigp lon | 20.549] 19.329 19.858] 1.220] 106%| 691] 103% SME 13.338] 9242] 12.249) 4.096| 144%] 1.089] 109% Ca nhain 24.376 | 19.655] 19.155] 1.721] 109%] 2.221| 112% Nein han 1 26310| 21.967] 23.718] 4343) 120%] 2592] 111% Trung vidaihan | 28.954] 26.259| 27.545] 2.695) 110%] 1.409] 105% Tong huy ding | 82.837 | 62.593] 64.669 | 20.244] 132% | 18.168] 128% Doanh nghigp tn | 39.449] 30.093 30.439] 9.356] 131%] 9.010| 130% an ase dong | on ey 4.680} 2.467 2213] 190% cia phong Fl (IFC+ADB) SME 5.916 2.681 4.590] 3.235] 221%] 1.325] 129% Ca nha 37.472 | 29.819| 29.640] 7.653] 126%] 7.832] 126% Khong KH 14361 | 12.751] 14.755[ 1.611] 113%] (394)| 97% CéKH 68.475 | 49.842| 49.914] 18.633] 137%] 18.561] 137% Tién giti va cho . vay wiTerD whic | 22428) 13596] 7.076) 8.832] 165%] 15.352] 317% Tién giti va vay tir 5 ee 13.876 | 14.363] 8.684) (487)| 97%] 5.192] 160% Cé phié “| @ 2f anf o%f @l 0% Trai phigu CP 17.000] 12.273 11.000] 4.727] 139%| 6.000] 155% Trai phiguTCTD | 2.250] 2254] 2200/ (4)| 100%) 50] 102% pautw [TiphigutcKT [4398] 3851/4275] S47] tave| 123) 103% Ching khoa _ oan 20) 93,648 18.427] 17.477] .221| 128% | 6.171 | 135% ‘Chimg khoan y kinh doanh a ~| (200)/ 0% - WT KE hoch Kinh doanh 2018Ké " So v6i thye 1 So véi ké int |e cewcee 2017 hoach 2017 Chi tidu oe a re e y L % 2018 én | hoach |” % | +h Gop von 443| S71 444] (128)| 78% | (1) | 100% Thu nhap thud tir ia 2.5346 | 2.149,4 | 2.277,6| 385,3) 118% | 257,0] 111% ai | aa t t Thu nap thuan ti | o665| 173.4] 1784) 93,2 154%] 88,2) 149% dich vw Tha nha Khe 460,0| 3583] 20,1) 101,7] 128%] 239,9| 209% io Tong thu nhip | 3.2613|2.681,1| 2.6761] 50,2] 122%| 5852] 122% HDKD |Chiphihoat dong | 1.804,3| 1.565,1 | 1.650,1/ 239.3] 1159] 1542) 109% Loi nbujn HD z i 1.4569 | 1.116,0] 1.0259) 340,9| 131% | 431,0] 142% true dy phong ng chi phi dy phing RRTD Loi nhugn truée thug 5869 | 511,3| $760] 45,6| 109% | (19,0)| 97% 900,0) 604,7| — 450,0 2953 | 149% | 450,0| 200% ‘Téng tai sin ké hoach nim 2018 duge dat muc tiéu tang 25,598 ty so vdi ké hoach nim 2017 (twong duong tang 32%) vi sy ky vong ting trudng tir cho vay, chiing khoan du tu; tong ding voi bén tdi sin Cé la huy dng tir khach hang va nguén huy d6ng trung dai han tir IFC va ADB tang Phan tich loi nhudin ké hoach nim 2018 Loi nhuan trude thué ké hoach la 900 ty, tng 450 ty: tong duong ting 100% so vii ké hoach ndm 2017 va tng 49% so vai thyc hign nm 2017. Trong 46, Téng thu nhap tng 585.2 ty (tuong duong ting 22%) so voi ké hoach nam 2017 va tang 580.2 ty (22%) so véi nam 2017, bao gdm + Thu nhap thud tir lai tng 257 ty (twong duong ting 11%) so véiké hogch nam 2017 + Thu nhap tir hoat dng dich vu tang 88.2 ty (tuong durong tang 49%) so vai ké hoach nim 2017, tang 93.2 (tuong duong tng 54%) so véi nam 2017. 72 | Ro negeh Kink Goan BOTS+ Thu nhgp khdc ing 239.9 7 (twong duong 109%) so véi ké hoach nim 2017, véi ky vong ting tir dau tu, thu nhap ngoai hdi,... So véi nm 2017, ké hoach thu nhap khdc tang 101.7 45 (tuong duong ting 28%). = Chi phi hoat déng ké hoach tang 154.2 ty, chi ting 9% so vai ké hoach nam 2017. Trong 46 chil yéu ting tir chi phi nbn vién nhm d4p (tng nhu cau tang truéng quy mé va chi phi tai sin tng véi su dau tur manh vé cng nghé thong tin trong nam 2018,... Céc kho’n muc chi Khéc sé van duge kiém soat higu qua. = Téng chi dy phong ri ro tin dung va dy phong trai phiéa VAMC ké hoach nam 2018 khoang 556.9 tj, thap hon so véi ké hoach nim 2017 khong 19 ty (3%) do vige thie déy quy mé tang truéng cao nhung van tang cudng kiém soat chat ché ng xdu. 1.2 Cae chis6 tai chinh trong yéu 7 we, Nim 2017 Chi tigu mim | THE Typ] DVT 2018 hign : Suat sinh lai trude thué/ VCSH (ROaE) 13,6% | 102% | 7,7% lnm Suat sinh Idi truée thué/Téng TS (ROaA) | 9.9% 0,8% 0,6% Yinam Chi phi hoat ddng/ Thu nhap rong (CIR) | 531% | 55,7% | 59,3% % Ty I an toan von t6i thiéu (CAR) 29% 12,6% >9% % Ting TS/ Vén CSH (A/E) 142 Bg 13,8 Lin ‘No phai tra/ Vin CSH (D/E) ~ 13,2 12,9 12,8 Lan Vén CSH/ Téng TS (E/A) 71% | 12% | 73% % No phai tri/ Téng tai sin (D/A) 92,9% | 92,8% | 927% % ea eS 2TT/ Tong TS (LAR-HE 86 Poa ae % Cho vay/ Téng huy déng (LDR) 65,0% | 166% | 779% % Loi nhugin trade thué/ 1 Nhdn vign toan ] 5 hing 216 169 125 | TrddngiNam Chi phi hogt dong/ 1 Nhdn vién toan hing | 395 402 415 | Trdéng/Nam | 2. Kéhoach Xirly ng 2018 ‘Toan hang thu hdi/xir ly t6i thiéu 700 ty déng ng xdu chudn qudc té, trong dé Ban XLN thu hGi/ xir ly t0i thidu 250 ty déng. 13 | KO each Kink doanh 2018 ~ azIll. KE HOACH HANH DONG NAM 2018 A. CHI TIEU VE KHACH HANG 1. Khach hang c nhan ut u kinh doanh nam 2018 —_ Dut 6} dans fi : So voi Thye | So voi Ké hogch Kéhogeh | | Thye | Kéhoach | “yien 2017 2017 2018 | hign2017 | 2017 ey] % | eH % Huy dong s74m| 29.819] 29.640] 7.653] 126%] 7.832] 126% Cho vay 21.376] 19.655] 19.155] 1.721] 109%) 2.221] 112% Sélugng KH | 798.153] 766.284] 719.996] 31.869 | 104% | 78.157] 111% ‘The phat 80.000) 74.118] 82.000 5.882 108%] (2.000)| 98% hanh thém Youcard 70.000 72.000 (2.000)| 97% Visa Debit 5.000 5.000 0] 100% Visa Credit 5.000 5.000 o| 100% 1.2 Cae giai phap 48 dat muc titu ‘Tép trung phat trién khach hang méi; tan dung t6i da va higu qua mang ludi 165 Don vi kinh doanh va cén tiép tuc mé rong mang ludi 6 cae dia ban tiém nang; tang cudng phdi hgp voi cae Khoi kinh doanh dé ban kém, ban chéo san phim; Phat trién san pham va kénh phan phéi: khao sat cdc thi trudng tiém ning, tng cudng lign két v6i cdc d6i téc dé cling cée DVKD dua ra chién luge phat trién khach hang cd nhin, xay dug cic sin phim tin dung, sin phdm két hop véi bio hiém, sin phdm thu phi dich vu, Thic dy ban hang théng qua ede churong trinh ban hang/khuyén mai, chuong trinh wu dBi ban hang dic thi; nang cao nang Ive cde kénh cung ep dich vy phi truyén théng nhw online banking, mobile banking [RO Rageh Kin doa BOT2. Khdch hing doanh nghigp 24 Chitigu kinh doanh nam 2018 Dot: 19 ding Ké | thye | xg | SOv6iThye | So vi KE Chi tigu hosch | hign | kogcn |_ #02017 a 201s | 2017 | 2007 [CD] % [eH] % Cho vay 20.549 | 19.329| 19.858 | 1.220 106% | 691 | 103% Huy dng 39.449 | 30.093 | 30.439 | 9.356| 131% | 9.010} 130% Doanh s6 thu Dich vu (khéng ; : 34| 60] 63,4) 23,4] 139%] 20! 132% gim bio lanh, bao hiém) By lee Doanh sé thu phi bao lanh tol 18 89) 26] 135%] 12] 113% Doanh sé TTQT (trigu USD) | 1.450} 1.200) 1.322] 250] 121%] 128] 110% 22 phap dé dat mye tiéu Xay dumg cae chutong trinh thic diy bin hing: Xay dung, trién khai cée chong trinh thi dua néi bé, chong trinh thiic day kinh doanh nhim thic day hoat dong kinh doanh trén tolin hé théng, ay dumg, trién khai cdc chuong trinh truyén théng vé chuong trinh/san pham uu dai, khuyén mai anh cho déi tung KHDN va quang ba, gidi thigu chong trinh nay 16i khach hang, ting hiéu qui cchuong trinh, Phat trién san phdm: Phat trién cdc danh muc sin phdm/dich vu phi hop véi cdc phan khite khéch hang myc tiéu, Cai tién chat Iuong dich vy: Cung cép cc san phim dich vu sit dung céng nghé cao phit hop véi xu hung giao dich ngan hang sé. WS [ RE Roach Kish Goan 20763. Khach hing doanh nghigp vira va nhé (SME) 3.1 Chi tiéu kinh doanh nim 2018 Bu: ying Ke A : Fa é Se Thi So Ke hoach Chi tigu ae hogeh | 201 hve Mien | “Ov a 2017 | 2017 | CH) % Gh % Chovay___| 13.338 | 9.242 | 12.249] 4.096] 144% | __ 1.089] 109% y dong 5 681 | 4.390 3235] 221% | 1.325] 129% S60 luang khéch 26.855 | 21.914] 24.640] 4941] 123%] 2.215] 109% hing Doanh 36 thu dich ee 62| 35,93] 35,98] 26,07) 173% 22] 135% bio lan, bo him) er ee 10 25 75} 400% bio hiém | ee 19 597 193] 132% bio linh Doanh sS TTOT 1 CTrigu USD) a 3.2. Cac gidi phap dé dat muc tigu Ra soat, diéu chinh céc san phim tin dung da ban hanh nham phi hop véi nhu cdu ciia khch hang ABBANK. Bén canh d6, tap trung xiy dung mét sO sin phim mai, d6t pha nhiim hudng ti phan Khtic va tp khaich hing cy thé. Xay dung khung quan trj rai ro cho khach hang SME nham kim nén tang cho viée phat trién cée sin phim phi hgp véi phan khiic SME. Tap trung khai théc higu qua va gia ting gid tri ip khdch hang hign hau cia Ngan hang bing vige xay dung cdc chuong trinh kinh doanh, céc chutong trinh thie day ban, xdy dung céc co ché cchinh séch uu dai... cho timg phan khiic khach hang cu thé, Xay dumg mé hinh kinh doanh chudi tir dy an Tai chinh ndng nghigp thong minh do IFC tw van, Hoan thign chinh sch va trién khai lign két ban hang v6i cdc di téc Fintech (E-commerce) ‘Tép trung cng téc quang ba va nan dién thuong hiéu SME Banking 1 [ RU RopEH Kin Goan 2 isl4. Hoat dong dau tw lién ngan hang 4.1 Chi tigu kinh doanh 2018 a. Chi tigu quy mé Dot: 1) dons Ke | Thue | Ke So véi Thue So voi Ke Chi tigu hogch | hign | hoach | (%) hoach (%) | N.2017 | N.2017 | N.2018 N2017 | + ['N.2017_ 1. Tien gisieho vay ede | 6 599] 11.264) 15.169) 3.905] 135% | 8.369| 223% TcTD 2. Tin vay/nhan tien grt 7 684 | 16.637] 18: . % | 9. 4% erry ae 8.684) 16.637] 18.556] 1.919] 112% | 9,872) 21 3. Diu tw GTCG 15.382 | 16.617] 20.879 | 4.262 | 126% | 5.497 | 136% TPCP 12.273| 17.000] 4.727| 139% | 6.000 155% | TPTCTD 2254 2250/4 ~_ 50 102% TPTCKT 2041 | 1.629) -412 Ss 75% Co phigu 2,49 =| 49 2% 3.GépVonmuacdphin | 444[ S7if 443 [128 -Tf 100% b. Chi tigu Igi nhuan Dut: dng T r r — A | KEE ThE | ie bopeh | So véi Thye snake ae a | | a Chi tieu | teach / bin | \ hign N,2017 Rai N2017 | N.201: 316,99 “351,85 1,043,00 | 1.193,99 | _1.313,84 73,50| 80,53] 140,69 Biiu tw tai chinh 25,58| 32,16] 26,00 Lai lb tirhoat dong khac | 2,26 3,51 : eee 24793| 313,95] 401,56] 87,60| 128% | 153,63 | 160% Tong loi nun CFU tru DPRR ‘Tong Loi nhudn | NVBT&CFU trude 822,83) 924,81| 1.127,68) 202,88) 122% | 304,86 | 137% DPRR [ Dir phong RR | -24,08] 50,40) 1,70] 52,10 25,78 | Tong Igi nhujn sau DPRR 610,86 | — 726,13) 115,27] 119% | 151,23} 126% 574,90 798,75 | 874,41 | 1.12938} 254,97 | 129% | 330,64 | 141% WF] RE fagch Kink doanh 20184.2. Cée gidi php day manh kinh doanh nim 2018 + Quin lj thanh khodn va hoat agng ngudn von + Bim bio an ton thanh khodn cho Ngéin hang véi ty I¢ tai san thanh khodn & mize hop ly Chi trong viée kiém soat can déi ky han, cin ding tién, dim bao tudn thi cdc quy dinh cila NHNN vé ty Ié dy trir bit bude, céc ty 18 dim béo an toan, ty Ié kha nang chi tra va cae gidi han GAP do ALCO phé chuan. + Theo déi chat ché dién bién lai suat trén céc thi trudng hang ngay, theo dé kip thi dé xuat vé li sudt mua ban vén ngi b, dam bao phii hop vdi xu huéng thi truéng va dinh huéng huy dng va cho vay cla ABBANK. Hoat dong du we - gép vin mua cé phdn: Quan ly, theo dai, danh gia tinh hinh hoat déng va kha nang tai chinh etia cae doanh nghiép trong danh muc dau tur gop von nh’m bao toan von dau tu. Hoat dong kinh doanh tién @ + am bio thanh khodn cho toan b6 hé thing ABBANK. +. Tiép tye dy manh céc giao dich kinh doanh ngoai t@ nhim da dang hinh thie kinh doanh tdi uu héa Igi nhuan cho ngan hang, - Hogt dong kinh doanh tréi phiéu + Theo d6i sét tinh hinh thi trusng va dua ra cée quyét dink mua ban kip thoi Trai phiéu chinh phii (TPCP) t6i da héa Igi nhuin cho Ngan hing +. Tiép tuo giém sat va quan ly chat ché hoat déng cia cée TCTD dang dau tr, gidm thigw rai ro trong dau tu. Tang curong céng tac gidm sat, dén déc va theo dai thu hdi ng trai phiéu doanh nghigp 4% dau ur dén han trong nam 2018, dim bao an toan vin cho ABBANK + Ngoai ra, da dang héa thém sn pham tw van phat hanh, ur van tai chinh, cdc giao dich trung gian mua ban thit cp trai phiéu khéc nhdm ting thu phi tur 18 | Kb Roach Kinh doanh 2078~ Hogt ding kinh doanh ngogi t@ + Tap trung hé tro cdc don vi kinh doanh va thiét Kip di ngii hd tro giao dich ngoai té voi khach hang nhim gid thi phan mua ban ngoai hdi voi khach hang, + Tang cuong giao dich lién ngan hang, day manh kinh doanh trang thai déng USD dé nang ‘cao doanh $6 va loi nhudn + Phéi hop véi FI ra soat danh gia lai céc d4i tac lién ngan hang tiém nang nhung chua cd han mite giao dich nhim mé réng hoat dng lién ngan hang. 5S. Hoat dong phat trién mang lwéi va thurong higu 5.1 Kéhoach phat trién mang lw6i 2018 ‘Trién khai ké hoach nang cép cai tao sita chita tru s6, xdy méi, chuyén dai dia diém hodc mua méi dat lam try s6 cho cée DVKD theo ké hoach duge phé duyét Tiép tye nghién ciru dé xudt phuong an quy hoach lai mang lui céc diém kinh doanh tai TP. Hé Chi Minh va Ha N6i 5.2, Kéhogeh hoat dng Marketing va phat trién thuong higu nim 2018 Muc tiéu cam két: Tang vi tri thuong higu ABBANK lén 01 bac trong bang xép hang céc Ngan hing TMCP Vigt Nam. Cac hoat ding trign khai: + Trign khai chién dich quing ba truyén théng chdo mimg Sinh nhat 25 nam ABBANK + Tang cuong cdc hogt déng Marketing trong 5 mang chinh: thyong higu, truyén thong, Marketing sin phim dich vy, Marketing hé tro DVKD, nghién cttu thi truong + Thyc hién Chuong trinh An sinh xd hGi theo chi dao cla HDQT. WRU apc Kink dan 2048 alsC. CHI TIEU KE HOACH VE VAN HANH VA TO CHUC 1. Quan ly tin dyng Xay dung, diéu chinh hé théng theo di va dit ligu lin quan dén tin dung dé dap ang yéu clu quin ly tai ABBANK va béo cdo NHNN Kiém tra tinh tudn tha trong hoat déng cép tin dung: Ra soat vie tuan tha quy trinh cap tin dung 48 hd tro kiém soat chat long tin dung trén toan hé thong Thuc hign tai thm dinh va phé duyét tin dung theo phan quyén timg thoi ky, dam bao hé tro qua trinh ra quyét dinh cdp tin dung chinh xéc, kiém soat tudn tha dinh huréng tin dung cua toan hé thdng va tuan thi tang trudng tin dung theo ty 1é cho phép ciia NUNN. Kiém soat/diéu chinh khung gia tham dinh tai san va kiém sodt chat Iugng ho so dinh gia. Theo dai cap nhat thang tin quy hogch, cdc bién déng gid ca thi trudng cia ede phan khiic BDS dé cé nhimg kién nghi, canh béo phi hgp cho hé théng va han ché tdi da ri ro d4i vi TSBD do bién dng gi d6t ngot cia tig phan khiic hoe tai sin quy hoach, tranh chap, 2. Céng tae Xirly ng Van dung higu qua hanh lang phdp ly lién quan dén cng tac xit ly ng, dae bigt li hoat dong xir ly, thu gift tai sin theo Nghi quyét 42/2017 dé nang cao higu qua thu hdi ng. Dao tao, hudn luyén tap trung chuyén mdn nghigp vu vé céng tac xt ly ng cho cae can bé nan vién tai Ban XLN va tai cdc don vi kinh doanh Phuong dn ban ng xdu cho VAMC: Thye hign bén ng cho Céng ty TNHH MTV Quan ly tai san ciia ede TCTD Vigt Nam (VAMC) theo tinh hinh thye té din bién ng cia ABBANK tai ting thoi diém va theo chi dao chung cia Ngan hang Nha nude. 3. Quin Iy riti ro + Trén e086 Chinh sich tin dung méi 44 duge HDQT phé duyét ra sodt va ban hinh thay thé cée quy dinh khéng con phii hop, nhiim dam bao tinh tuén thi Chinh sach tin dung (06C), trong 46 sé uu tién cae Quy dinh vé chinh séch cho vay, chinh sch phat hinh béo Hinh va chinh séch nahin TSBD. 28 | RU Roach Kinh doanh 2678Ra sodt, diéu chinh m6 hinh Uy ban tin dung va qua dé xay dung, diéu chinh co ché 16 hin phé duyét tin dung, phan quyén phé duyét tin dung; ra soat co cau té chife, chite nang nhigm vu cic tty ban (RMC, ERC) trong m6 hinh méi theo dinh hudng cia Dy an nang cao higu qua 6 chife va host dong ciia ABBANK; Quan ly céng téc phan quyén phé duyét tin dung. Kiém soat danh myc tin dung dam bao tudn thi theo Dinh hudng tin dung, Ngudng rdi ro tin dung trong nam 2018; kiém soat chi tigu cam két IFC, ADB. Tu van déc lip vé rii ro déi véi cae Quyét dinh ciia ALCO va cdc bén cé lign quan vé thi trudng, thanh khoan. Tur van cho céc don vj vé chinh sach, bign phap gidm thiéu rli ro. = Thiét lap va Iuong héa khdu vj ri ro hoat déng cia Ngan hang. Binh huéng phat trién tin dung 2018, Nguéng RRTD 2018 va Danh sich Quéc gia chip nhan trong tai tro thong mai 2018. Thyc hién phan tich, danh gid dir ligu hé thong Xép hang tin dung (XHTD); Quan ly van hanh hé théng XHTD, Huéng din DVKD va gidi dap thac mac lién quan XHTD, dao tao vé XHTD. Nang cap va cdi tién chuong trinh XHTD theo hudng kiém sodt tét két qua xép hang, tang cudng cée hot kiém sodt. Xay dung hé thong XHTDNB cho phan khic SME phyc vu kiém sodt ri ro trong kinh doanh va tiép cn theo chudin Basel I] 4. Quin ly vin hinh ~ Quan ly va cap nhat lién tuc thu vign cae van ban lién quan dén céng tac cap tin dung dong thoi chuyén tai t6i tét c@ cde nhan sy H8 tro tin dung trén toan hé théng. + Tigp tye nang cao nang luc ty dong héa chuyén tién thanh todn lién ngdn hang nhim nang cao higu qua hoat déng, ting nding suat lao d6ng, Dam bao tdc 46 x |y giao dich va dim bao an toan giao dich: trén 95% theo cam két SLA. Ty Ié dign chudn dat tdi thiéu 96%. + Kidm sodt tn that do rii ro phat sinh lién quan dén hoat déng van hanh thé & ngudng thap so véi trung binh nganh, ~ Trién khai cde dy an nhim ting cuéng an toan bio mat cho khdch hang khi sir dung thé do ABBANK phat hinh va khi giao dich trén hé théng ATM cia ABBANK. 72] Ko Roch Kink doanh 2078+ Duy tri va dam bao su dn dinh, théng sudt cua hé théng tong dai, sin sing tiép nhan va xir ly ‘Thong tin phan hdi khach hang 24/7. 5. Thye hign 5 myc tigu va cae sing kién chién luge ‘Bam bao cde du An dang trién khai duge cap nhat lign tuc, diing tién d6 va lun bam sat tm nhin, dinh hudng, muc tiéu va céc sang kién chién luge 44 duoc HDQT phé duyét; = Tiép tuc phdi hgp lam vige véi chuyén gia tu van, don vi phan mém trong viée trién khai giai dogn 2 nang cap phan mém do luang két qua thuc hign Ban dd chién lvoe KPIBSC.. 6 Quan ly chat lugng dich vu = Hoat déng quan ly chat luong dich vu (CLDV) ndi bd: trién khai thuc hién cae cam két SLAs; khdo sét néi bd; truyén théng cdc hoat déng lign quan dén CLDV ndi b6 va khach hang; trién hai cae dyr én, chong trinh thi dua nang cao CLDV n@i bd. + Hoat ding CLDV khéch hing: Trién khai Dy an nang cao CLDV; thye hign hoat dng danh gid CLDV tai DVKD va b6 phan tng dai call center qua cdc kénh: camera, tryc tiép, gidn tiép; trién khai chuong trinh thi dua CLDV khéch hing 7. Quin ly céng nghg thong tin (CNTT) (Quan tr ton b§ céc ting dung mdi trudng live cua Ngan hang, gidm sét an ninh bao mat hé théng CNTT, phat hign va ngan chin xi ly cde sy c6 bao mat in khai cdc dy an mdi va bao tri hd trg vé ha ting, trién khai dénh gid an ninh bao mat cho toan bd dun CNTT cia todn hang. Trién khai du an chién luge ngan hang s6 (Digital Banking). Tiép tye duy tri su hoat dong én dinh, an toan ciia hé théng CNTT, dap img diy dit céc yéu cu cia NHNN va yéu cdu hoat dong, phat trién kinh doanh cla ABBANK. 8 Kiém toan ndi b6 ‘Thuc hign kiém toan theo ké hoach; ‘iém toan d6t xuat - gép phin gidp HDQT va Ban diéu hanh kiém soat/phat hign cdc rii ro, qua d6 dua ra céc khuyén nghi, theo di thyc hién 48 dim bio ‘ting cudng higu qua hoat déng va kiém soat rdi ro. 32 ] Ko hoach Kink doanh 20709. Phap ché va tuan tha X@y dung va trinh ban hanh cde van ban, mau biéu ndi b6 cla ABBANK vé linh vuc phép ly va giém sét tuan thi phi tin dung, Thuc hign dai dién php ly cho ABBANK trong giai quyét tranh chap tai cae co quan Nha nude o6 tham quyén (trir cdc vu an, vy viée lién quan dén céng tic xir ly no), ‘Té chite thu hign hoat dng gidm sét tuén th phi tin dung theo cde quy dinh, quy trinh giém sit va ké hoach gidm sat di duoc phé duyét, bao gm hoat ding gidm sat tir xa va kiém tra truc tiép. D. KE HOACH PHAT TRIEN NGUON NHAN LUC Ti€p tue phat trién cde kénh théng tin vé tuyén dung: Duy tri va phat trién tich ce kénh Facebook Tuyén dung ABBANK. Da dang héa kénh tao ngudn tng vign c6 chat lgng: Cac truéng Bai hoe, cde Hdi chg vige kam, cae kénh online, Chinh séch dai ng@: Thye hign vie digu chinh Ivong tdi thiéu ving va digu chink mét sé khoan phu cép cho phit hgp thyc tién va quy dinh dong BHXH méi 4p dung tir 1/1/2018. Phat trién nhan tai: Tiép tuc trién khai Chuong trinh “gidm déc/quan ly luu dong”: Mé rong pham vi cua chuong trinh Giém déc Chi nhanh lu dng bing viée da dang héa cdc vi tri can trai nghiém cho cée cdn bé ABBANK ciing nhur phuc vy nhu céu quan tr rai ro, Nang cao chat lung dio tao: chii trong céng tac dio tao, tang sé cén bo nhan vign duge cap chimng nhan_gidng vién ndi b6 & s6 can b6 quan ly tham gia cong téc dio tao so véi nim 2017, Té chite cate chuong trinh xay dyng hinh anh nhan vién ABBANK chuyén nghiép, gin két ‘4Gi ngii: Cac chuong trinh va sang kién nang cao nang sudt lao dng va déi méi phuong phap lam vige; khdo sat sur hai léng ciia nhan vién ABBANK; cde chuong trinh hudng t6i ky nigm 25 nam thanh lép Ngan hang. 33 | Ko hoach Kiah dann 2078PHU LYC Ké hogeh tai chink ABBANK nim 2018 i Thye [KE | Sovéithye i Ké Chi tiéu hhoach pS N2018 | N2017 | N2017 + % Tong tai sin 106.198 84.7241 80.600 25.598 | 132% Tién mit tai quy lim} 873} 908 269 | 130% Tién géi tai NHNN 1982} tia] sas 437| 128% ‘Tin giti va cho vay 1 T% ae 22.428 | 13.5961 7.076 15.352] 31 Ching khosn kin down 199 =} (199)} 0% : Fr —“‘=OOONOOOOOCCOCtiwCOCOCOCOCOCOCOCOC:™éC™C*CN Cho vay 54.084) 47.143] $0202} 6.941] 115%] 3.882} 108% Dung 54.940} 47.902] 50.9171 7.037] 1159%| 4.0231 108% Dy phing 856) 760)] 715)] 5] 59°] (uaiy| -t20% Mua ng sa} 32if 343 =| 100%} (21) 9495 Mua ng 324} 324] as, =} 100%] — (22)} 9496 Dy phong Oo; @! @ =| 100% 0] 97% Dau tu di han, g6p 443} 570) 442] (127)! 78% 1] 100% von 6 phin Tai sin 06 dinh 107} 820! 1.055] 288} 135%} $3} 105% Céng eu TC phai sinh rete -{ 102] 39) (102) 0%) =! ov Tai sin ¢6 khéc 2527} 2.683] 2.840} (156)| 94%] G13)! 89% i 106.198 | 84.724] 80.600 21.473| 125% | 25.598 132% chai sé hit Cie Khon ng CP & NHNN _ . . . an gti va vay tirede 7 eae 18.556] 16830] 8.684] 1.726] 110%] 9.872} 214% Vén tai wg TCTD a B| e286) =| 286} 0% 2 Céng ey tai chinh 4 aa 292 : (292)| 0% Tién gi cia khich : ed 71.187 | $8.160| 64.269} 19.597] 134%| 13.488] 1219 [2 Phat hinh gidy 1 eo y oy eee 400) 1.966] 400] (1.566)} 20% =} 100% Phai tra Khe 1.987) 1.403 1.098] 585} 142%! 889 181m Vén chi sé-hity 7.497] 6.079] 5.857| 1.418] 123%! 1.640 12806 7 | Ki hogch Kin doanh 2078