BẢN CÁO BẠCH - DongA Bankdongabank.com.vn/upload/lib/files/DONGA_BCB phat hanh 2013.pdf · ......

BBNN CCOO BBCCHH NNGGNN HHNNGG TTMMCCPP NNGG

(Giy chng nhn ng k doanh nghip s 0301442379 do S K hoch v u t TP. HCM cp, ng k ln u s ngy 08/04/1992, ng k thay i ln th 33 ngy 24/04/2012)

CHO BN C PHIU RA CNG CHNG (Giy chng nhn ng k cho bn s 46/GCN-UBCK

do Ch tch y ban Chng khon Nh nc cp ngy 19 thng 09 nm 2013 )

BN CO BCH NY V TI LIU B SUNG S C CUNG CP TI:

TR S NGN HNG THNG MI C PHN NG

130 Phan ng Lu, Qun Ph Nhun, TP. HCM

TR S CNG TY CHNG KHON NGN HNG NG

56 68 Nguyn Cng Tr, Qun 1, TP. HCM

PH TRCH CNG B THNG TIN:

ng Trn Phng Bnh Chc v: Tng Gim c

in thoi: (08) 3995 1483

Y BAN CHNG KHON NH NC CP CHNG NHN NG K CHO BN C PHIU RA CNG CHNG CH C NGHA L VIC NG K CHO BN C PHIU THC HIN THEO CC QUY NH CA PHP LUT LIN QUAN M KHNG HM M BO GI TR CA C PHIU. MI TUYN B TRI VI IU NY L BT HP PHP.

NNGGNN HHNNGG TTMMCCPP NNGG (Giy chng nhn ng k doanh nghip s 0301442379 do S K hoch v u t TP. HCM cp, ng k

ln u ngy 08/04/1992, ng k thay i ln th 33 ngy 24/04/2012)

CCHHOO BBNN CC PPHHIIUU RRAA CCNNGG CCHHNNGG

Tn c phiu : C phiu Ngn hng TMCP ng

Loi c phiu : C phiu ph thng

Mnh gi : 10.000 ng/c phiu

Gi bn : 10.000 ng/c phiu

Tng s lng cho bn : 100.000.000 c phiu

Tng gi tr cho bn : 1.000.000.000.000 ng (tnh theo mnh gi)

T CHC KIM TON:

CNG TY TNHH ERNST & YOUNG VIT NAM

a ch : Tng 28, Bitexco Financial Tower, s 2 Hi Triu, Qun 1, TP. HCM

in thoi : (08) 3824 5252 Fax: (08) 3824 5250

Website : www.ey.com Email: [email protected]

T CHC T VN:

CNG TY TNHH MTV CHNG KHON NGN HNG NG

Tr s chnh

a ch : 56 68 Nguyn Cng Tr, Qun 1, TP. HCM

in thoi : (08) 3821 8666 Fax: (08) 3914 4372

Chi nhnh H Ni

a ch : 181 Nguyn Lng Bng, Qun ng a, H Ni

in thoi : (04) 3944 5175 Fax: (04) 3944 5178

Chi nhnh Ch Ln

a ch : 110C Ng Quyn, Qun 5, TP. HCM

in thoi : (08) 3853 9623 Fax: (08) 3853 9624

Website : www.dag.vn Email: [email protected]

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T CHC T VN: CNG TY CHNG KHON NGN HNG NG 3

MMCC LLCC

I. CC NHN T RI RO ..................................................................................... 6

1. Ri ro v li sut ............................................................................................................. 6

2. Ri ro v tn dng ........................................................................................................... 6

3. Ri ro v ngoi hi ......................................................................................................... 7

4. Ri ro v thanh khon ..................................................................................................... 7

5. Ri ro t cc hot ng ngoi bng ................................................................................ 8

6. Ri ro lut php .............................................................................................................. 8

7. Ri ro ca t cho bn v ri ro ca d n s dng vn t t cho bn .................... 8

8. Ri ro pha long.............................................................................................................. 9

9. Ri ro khc .................................................................................................................... 10

II. NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH ................................................................................................ 11

1. T chc pht hnh ........................................................................................................ 11

2. T chc t vn .............................................................................................................. 11

III. CC KHI NIM V CH VIT TT ......................................................... 12

IV. TNH HNH V C IM CA T CHC PHT HNH ...................... 13

1. Tm tt qu trnh hnh thnh v pht trin ................................................................... 13

1.1 Gii thiu v DongA Bank .................................................................................... 13

1.2 Lch s hnh thnh v pht trin ........................................................................... 13

1.3 Ngnh ngh kinh doanh v sn phm/dch v ...................................................... 19

2. C cu t chc ca Ngn hng ..................................................................................... 20

3. C cu b my qun l ca Ngn hng ........................................................................ 20

3.1 i hi ng c ng ........................................................................................... 20

3.2 Hi ng qun tr.................................................................................................. 21

3.3 Ban kim sot ........................................................................................................ 21

3.4 Ban Tng Gim c .............................................................................................. 21

3.5 Hi ng C vn v cc y ban trc thuc Hi ng qun tr ............................ 22

3.6 Cc Hi ng trc thuc Ban Tng Gim c ..................................................... 23

4. Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng v nhng ngi c lin quan, Danh sch c ng sng lp v t l c phn nm gi, C cu c ng ti ngy cht gn nht trn mc vn thc gp hin ti ...................................................... 26

4.1 Danh sch c ng nm gi t 5% tr ln vn c phn v nhng ngi c lin quan ...................................................................................................................... 26

4.2 Danh sch c ng sng lp ................................................................................. 27

4.3 C cu c ng ..................................................................................................... 28

5. Danh sch cng ty m v cng ty con ca DongA Bank, nhng cng ty m DongA Bank 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 DongA Bank ................................................ 29

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5.1 Danh sch Cng ty nm gi quyn kim sot v c phn chi phi DongABank.. 29

5.2 Danh sch cc Cng ty thnh vin ca DongA Bank ........................................... 29

6. Gii thiu v qu trnh tng vn ca Ngn hng .......................................................... 30

7. Hot ng kinh doanh ................................................................................................... 34

7.1 Ngnh ngh kinh doanh chnh .............................................................................. 34

7.2 Qun l ri ro v bo ton vn ............................................................................. 52

7.3 Th trng hot ng ............................................................................................ 53

7.4 Cng ngh ............................................................................................................. 58

7.5 Cc d n pht trin hot ng kinh doanh ang thc hin ................................ 60

8. Bo co kt qu hot ng sn xut kinh doanh cc nm 2010, 2011, 2012 ............... 61

8.1 Tm tt mt s ch tiu v hot ng sn xut kinh doanh ca Ngn hng trong nm 2010, nm 2011, nm 2012 ........................................................................... 61

8.2 Nhng nhn t nh hng n hot ng sn xut kinh doanh ca Ngn hng . 63

9. V th ca Ngn hng so vi cc ngn hng thng mi khc trong cng ngnh ........ 64

9.1 V th ca Ngn hng trong ngnh ....................................................................... 64

9.2 Trin vng pht trin ca ngnh .......................................................................... 66

9.3 nh gi 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 ........................... 67

10. Chnh sch i vi ngi lao ng ............................................................................... 68

10.1 Thc trng lao ng ............................................................................................. 68

10.2 Mc lng bnh qun ........................................................................................... 69

10.3 Chnh sch o to, lng thng, tr cp cho ngi lao ng ......................... 69

11. Chnh sch c tc .......................................................................................................... 71

12. Tnh hnh ti chnh ........................................................................................................ 71

12.1 Tnh hnh ti chnh ................................................................................................ 71

12.2 Gii thch chnh lch s d u k trn BCTC hp nht nm 2012 .................... 72

13. Hi ng qun tr, Ban Tng Gim c, Ban kim sot v K ton trng ................ 73

13.1 Hi ng qun tr.................................................................................................. 74

13.2 Ban Tng Gim c .............................................................................................. 88

13.3 Ban kim sot ........................................................................................................ 99

13.4 K ton trng .................................................................................................... 103

14. Ti sn ......................................................................................................................... 104

15. K hoch li nhun v c tc nm tip theo ............................................................... 104

16. nh gi ca T chc t vn v k hoch li nhun v c tc .................................. 105

17. Thi hn d kin a c phiu vo giao dch trn th trng c t chc ................... 106

18. Thng tin v nhng cam kt nhng cha thc hin ca t chc pht hnh ............... 106

19. Cc thng tin, cc tranh chp kin tng lin quan ti Ngn hng m c th nh hng n gi c c phiu cho bn ...................................................................................... 106

V. C PHIU CHO BN ................................................................................... 107

1. Loi c phiu .............................................................................................................. 107

2. Mnh gi ..................................................................................................................... 107

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3. Tng s c phiu d kin cho bn ............................................................................ 107

4. i tng cho bn ..................................................................................................... 107

5. Gi cho bn d kin .................................................................................................. 107

6. Phng php tnh gi .................................................................................................. 107

7. Phng thc phn phi ............................................................................................... 107

8. Thi gian phn phi c phiu ..................................................................................... 108

9. ng k mua c phiu ................................................................................................ 108

10. Phng thc thc hin quyn ..................................................................................... 108

11. Gii hn v t l nm gi i vi ngi nc ngoi .................................................. 109

12. Cc hn ch lin quan n vic chuyn nhng ......................................................... 109

13. Cc loi thu c lin quan n c phiu cho bn ...................................................... 110

14. Ngn hng m ti khon phong ta nhn tin mua c phiu ...................................... 110

VI. MC CH CHO BN ................................................................................. 111

VII. K HOCH S DNG S TIN THU C T T CHO BN ..... 111

1. K hoch s dng vn thu c t t cho bn ....................................................... 111

2. Phng n x l khi t cho bn ra cng chng khng thnh cng ......................... 111

VIII. CC I TC LIN QUAN N T CHO BN .............................. 112

1. T chc kim ton ...................................................................................................... 112

2. T chc t vn pht hnh ........................................................................................... 112

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I. CC NHN T RI RO

1. Ri ro v li sut

Ri ro li sut l ri ro rt c th i vi hot ng ca cc ngn hng thng mi. y l loi ri ro xut hin khi c s thay i ca li sut th trng hoc ca nhng yu t lin quan n li sut tc ng n hot ng huy ng vn v cho vay ca ngn hng. Nguyn nhn l do lun c s chnh lch v ngy o hn gia ti sn c v ti sn n cng nh c s chnh lch v khi lng ti sn n v ti sn c. Khi , doanh thu t hot ng tn dng v chi ph tr li i vi ngun vn huy ng u b nh hng, do nh hng n li nhun ca ngn hng.

qun l ri ro li sut, DongA Bank s dng nhiu bin php nh p dng chnh sch li sut linh hot, tham gia cc hp ng hon i li sut hoc p dng chnh sch li sut th ni trong cc hp ng tn dng trung v di hn Hi ng Ti sn n Ti sn c (ALCO) ca DongA Bank chu trch nhim vic nh gi v gim st cc ri ro li sut thng qua chnh lch ngy o hn gia ti sn c v ti sn n (Duration Gap), chnh lch ngy o hn ca cc hp ng k hn, cc giao dch hon i. T , Hi ng ALCO s quyt nh a ra mt hn mc c th c th va kim sot c ri ro li sut m vn m bo hiu qu hot ng ca DongA Bank.

2. Ri ro v tn dng

Ri ro tn dng l kh nng xy ra tn tht trong hot ng ngn hng ca t chc tn dng do khch hng khng thc hin hoc khng c kh nng thc hin ngha v ca mnh theo cam kt.

Hot ng tn dng l hot ng ng gp ln cho doanh thu v li nhun ca DongA Bank. Do , DongA Bank c bit quan tm ti vic qun l ri ro tn dng. gim thiu ri ro tn dng, DongA Bank lun thc hin chnh sch tn dng thn trng, phn tn ri ro trong cho vay, khng cho vay qu nhiu i vi mt khch hng hoc khng tp trung cho vay qu nhiu vo mt ngnh, mt lnh vc kinh t c ri ro cao.

DongA Bank ban hnh cc quy trnh trong hot ng cp tn dng nh: quy trnh cp tn dng, quy trnh v kim tra trc v sau khi cho vay... Cc quy trnh ny c p dng cho ton b h thng ngn hng. B phn tn dng ca DongA Bank c chuyn mn ha su gp phn nng cao cht lng tn dng. Hi ng Tn dng m nhn vic xt duyt v quyt nh cc khon tn dng hoc bo lnh khi gi tr hp ng vay vt qua hn mc c php ca cc chi nhnh. Ngoi ra, DongA Bank cng thc hin chng trnh nh gi li khch hng tn dng; thng xuyn cp nht, chnh sa cc quy trnh tn dng; hon thin h thng xp hng tn dng ni b; v tin hc ha quy trnh thc hin cng vic nhm h tr cho qun tr ri ro tn dng.

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3. Ri ro v ngoi hi

Ri ro v ngoi hi l loi ri ro pht sinh do s bin ng ca t gi ngoi hi gy ra i vi cc khon mc ti sn n v ti sn c bng ngoi t ca ngn hng. Cc hot ng kinh doanh ngoi t trong ngy s quyt nh trng thi ngoi t rng vo cui ngy ca Ngn hng. Theo Thng t s 07/2012/TT-NHNN ngy 20/03/2012 ca Ngn hng Nh nc v trng thi ngoi t ca cc t chc tn dng, chi nhnh ngn hng nc ngoi, tng trng thi ngoi t dng v tng trng thi ngoi t m vo cui ngy ca t chc tn dng, chi nhnh ngn hng nc ngoi khng c vt qu 20% vn t c ca t chc tn dng, chi nhnh ngn hng nc ngoi.

hn ch ri ro ngoi hi, Hi ng ALCO ca DongA Bank lun xem xt duy tr mt t l cn xng gia ti sn n v ti sn c ngoi t, m bo duy tr trng thi ngoi t rng hp l v ph hp vi quy nh ca Ngn hng Nh nc. DongA Bank thit lp h thng hn mc cho cc giao dch kinh doanh ngoi t, thc hin theo di v m bo ton b giao dch nm trong phm vi hn mc cho php. DongA Bank cn s dng cc cng c ti chnh phi sinh (hp ng Forward, Swap, Option) phng nga ri ro ngoi hi. Ngoi ra, vi vic c cng ty thnh vin l Cng ty Kiu Hi ng cng gip DongA Bank ch ng iu tit trong cng tc qun l ri ro ngoi hi.

4. Ri ro v thanh khon

Ri ro thanh khon l loi ri ro xut hin trong trng hp ngn hng thiu kh nng chi tr hoc khng chuyn i kp cc loi ti sn ra tin theo yu cu ca cc hp ng thanh ton. Ri ro ny pht sinh ch yu t xu hng ca cc ngn hng l huy ng ngn hn v cho vay di hn, nht l trong tnh hnh nn kinh t ang kh khn v ngun vn nh hin nay.

Cc chnh sch hin ti ca DongA Bank lun nhm m bo mt t l tng thch gia thi hn chuyn ha ca ti sn v k hn thanh ton cc khon n. Bn cnh cc khon tin gi d tr bt buc ti Ngn hng Nh nc, DongA Bank cn duy tr mt t l ti sn c th chuyn ha ngay thnh tin tng ng vi cc khon n phi tr. DongA Bank thc hin nhiu bin php qun l ri ro thanh khon v ng ph vi cc s c khi xy ra ri ro thanh khon:

- Vic d thu, d chi c tnh ton hng ngy. Trn c s lp d thu, d chi nh k 1 tun, 2 tun, 1 thng, 2 thng, 3 thng, 4 thng, 5 thng, 6 thng, 1 nm v t to cc mn d tr thanh khon thch hp.

- Trao i hn mc cho vay thanh khon vi nhiu ngn hng c quan h c th s dng ngay khi cn thit.

- Thu chi ca Hi s v cc Chi nhnh c gim st hng ngy. Trng hp ti mt Chi nhnh pht sinh cc khon chi t xut ln lin tc trong 3 ngy s phi bo co tnh hnh, nguyn nhn, bin php ng ph ti ch. Qua phn tch, nh gi, Hi s

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s thit lp cc bin php ng ph ton din.

- Khi khon chi tr mc cnh bo hoc bo ng phi bo co ngay cho Ban Tng Gim c ra cc thng bo cn thit theo lnh ca Ban Tng Gim c. Ty vo mc cnh bo m Dong A Bank c bin php ng ph ph hp v kp thi.

5. Ri ro t cc hot ng ngoi bng

Cc hot ng ngoi bng ca DongA Bank ch yu l cc khon cam kt cho vay v cc hnh thc bo lnh. Nhng hot ng ny c hch ton ngoi bng nhng trong trng hp khch hng mt kh nng thanh ton cho ngi th hng th bn bo lnh (Ngn hng) phi thay khch hng tr tin cho ngi th hng, gy tn tht cho Ngn hng. Tuy nhin t l ca cc hot ng ngoi bng trn tng d n chim mt t l thp. Hn na, DongA Bank lun thc hin chnh sch bo lnh thn trng (thm nh nng lc ti chnh k cng, t l k qu an ton, c ti sn m bo,) do DongA Bank lun qun l tt ri ro ny trong thi gian qua.

6. Ri ro lut php

Ri ro lut php l ri ro lin quan n cc sai st hoc s c trong qu trnh hot ng lm thit hi cho khch hng dn n vic b khiu kin. Ri ro ny tim n trong hu ht hot ng kinh doanh c bit l kinh doanh th v thanh ton quc t. gim thiu loi ri ro ny, phng Php ch thng xuyn cp nht v chun ha quy trnh nghip v cho ph hp vi cc quy nh ca php lut cng nh ban hnh cc quy trnh nh gi, kim sot ni b gim thiu sai st. DongA Bank p dng thnh cng H thng qun l cht lng ISO 9001 : 2000 t nm 2001. DongA Bank cng l mt trong nhng ngn hng tin phong trong vic p dng cng ngh thng tin vo qun l ngn hng, nh gip DongA Bank phng nga c cc ri ro h thng xut pht do cc yu t lin quan n cng ngh thng tin.

Bn cnh , vi t cch l mt ngn hng thng mi c phn, DongA Bank chu s tc ng t cc vn bn php lut ca Chnh ph v cc vn bn php lut chuyn ngnh nh Lut cc t chc tn dng, Lut doanh nghip, Lut chng khon Ti chnh tin t l lnh vc quan trng i vi nn kinh t do thng xuyn c s iu chnh chnh sch t Chnh ph v Ngn hng Nh nc. Tuy nhin, vi b dy trn 20 nm hot ng trong ngnh, DongA Bank c kh nng thch ng linh hot vi cc ri ro php l trn, m bo hot ng ca Ngn hng pht trin n nh v bn vng.

7. Ri ro ca t cho bn v ri ro ca d n s dng vn t t cho bn

7.1. Ri ro ca t cho bn

Ri ro ca t cho bn xy ra khi s lng c phiu thc t bn c thp hn s lng c phiu ng k cho bn trong thi hn c cp php cho bn ra cng chng dn n khi lng vn huy ng c thng qua t cho bn thp hn d kin, nh

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hng n k hoch s dng vn HQT ra. y l t cho bn khng c t chc t vn bo lnh pht hnh nn trong trng hp nu t cho bn ny pht sinh s lng c phiu khng cho bn ht, s c phiu ny s khng c mua li theo phng thc bo lnh pht hnh.

Tuy nhin, DongA Bank vn m bo hot ng kinh doanh n nh v hiu qu ngay c trong bi cnh kinh t cc nm va qua cc k kh khn nn to c nim tin ca c ng i vi hot ng ca Ngn hng. t cho bn ny c phn phi cho c ng hin hu theo t l 5:1 vi gi cho bn bng mnh gi l 10.000 ng/c phiu. i hi ng c ng cng y quyn cho HQT phng thc phn phi s c phiu l pht sinh v s c phiu c ng khng ng k mua ht cho i tng khc.

7.2. Ri ro ca d n s dng vn t t cho bn

t cho bn ny ca DongA Bank l nhm b sung vn cho hot ng kinh doanh v tip tc nng cao nng lc ti chnh. C th, ton b s tin thu c t t cho bn l 1.000 t ng s c b sung vn hot ng m rng mng li hot ng ti a bn cc tnh, ng thi bo m v tng cng kh nng thanh ton v cho vay ti cc phng giao dch, chi nhnh, s giao dch trong ton h thng.

Vi k hoch s dng vn trn, DongA Bank c th gp phi ri ro cnh tranh v ri ro tn dng. Song vi b dy kinh nghim hn 20 nm trong ngnh ti chnh ngn hng cng vi i ng lnh o nng ng v quy trnh qun l ri ro cht ch th ri ro ny s c DongA Bank hn ch n mc thp nht.

8. Ri ro pha long

Vic pht hnh thm c phiu s gy ra ri ro pha long gi c phiu, ngoi ra, ch s thu nhp trn mi c phiu (EPS) c th s st gim do tng s lng c phiu lu hnh tng ln so vi hin ti. Thm vo , vic s dng vn c th cha to ra c doanh thu, li nhun nh k vng, v vy t sut li nhun sau khi pht hnh c phiu c kh nng st gim so vi trc khi pht hnh. Nh u t cn lu n ri ro ny.

Tuy vy, vic huy ng vn bng cch pht hnh thm c phiu l cn thit DongA Bank c ngun vn p ng nhu cu m rng hot ng kinh doanh, m bo t l an ton vn theo quy nh. T em li li nhun cho Ngn hng v em li li ch cho c ng ca Ngn hng.

Trong t pht hnh ny, DongA Bank cho bn 100.000.000 c phiu cho c ng hin hu. S c phiu lu hnh trn th trng ca DongA Bank sau khi thc hin cho bn s tng thm 20% so vi tng s c phiu lu hnh hin ti, v vy gi c phiu DongA Bank s c iu chnh v nh hng n tnh hnh giao dch c phiu DongA Bank.

C th, gi c phiu DongA Bank sau khi pha long c tnh theo cng thc sau:

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Gi c phiu sau khi pha long

=

(Gi c phiu trc khi pha long x S lng c phiu ang lu hnh) + (Gi cho bn x S lng c phiu cho bn) (1)

S lng c phiu ang lu hnh + S lng c phiu cho bn

V d: Tnh gi tr s sch ca DongA Bank sau khi pha long

Cn c Bo co ti chnh hp nht nm 2012 kim ton ca DongA Bank, gi tr s sch ca c phiu DongA Bank ti 31/12/2012 l 12.208 ng/c phiu.

Ngun vn ch s hu (1) 6.104.191 triu ng

S lng C phn (2) 500.000.000 c phiu

Gi tr 1 C phn (3) = (1) / (2) 12.208 ng/c phiu

Gi s sch c phiu DongA Bank sau khi pha long tnh theo cng thc (1) l:

Gi c phiu sau khi pha long

= (12.208 x 500.000.000) + (10.000 x 100.000.000) = 11.840 ng/c phiu 500.000.000 + 100.000.000

Ri ro t vic c phiu b pha long s c hn ch nu nh DongA Bank s dng ti u ngun vn huy ng c v duy tr tt hot ng sau khi thc hin cho bn.

9. Ri ro khc

Cc ri ro khc nh thin tai, dch ha, ha hon, chin tranh, l nhng ri ro bt kh khng, nu xy ra s gy thit hi cho ti sn, con ngi v tnh hnh hot ng chung ca c nn kinh t, gy nh hng trc tip n hot ng ca ngn hng, doanh nghip v gin tip thng qua thit hi ca cc khch hng.

hn ch ri ro ny, DongA Bank ra nhiu bin php qun l ri ro ny nh mua bo him cho ti sn, nh ca, xe c, hng ha, ti sn th chp ca khch hng, k c bo him cho vic vn chuyn tin; trch lp qu d phng ri ro; tng cng hot ng kim sot ni b; hin i ha h thng cng ngh thng tin m bo sao lu d phng d liu.

Ngoi ra, DongA Bank cng yu cu cc khch hng ty tng lnh vc kinh doanh s mua cc bo him lin quan d phng cc ri ro c th xy ra.

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II. NHNG NGI CHU TRCH NHIM CHNH I VI NI

DUNG BN CO BCH

1. T chc pht hnh

ng PHM VN B Chc v: Ch tch HQT

ng TRN PHNG BNH Chc v: Ph Ch tch HQT kim TG

B V TH KIM ANH Chc v: K ton trng

B NGUYN TH CC Chc v: Trng BKS

Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l chnh xc, trung thc v cam kt chu trch nhim v tnh trung thc, chnh xc ca nhng thng tin v s liu ny.

2. T chc t vn

i din theo php lut: ng BI VIT

Chc v: Tng Gim c

Bn co bch ny l mt phn ca h s ng k cho bn do Cng ty Chng khon Ngn hng ng tham gia lp trn c s Hp ng t vn vi Ngn hng TMCP ng . 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 TMCP ng cung cp.

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III. CC KHI NIM V CH VIT TT

Khi nim nh ngha

ALCO Asset Liability Management Committee (Hi ng Qun l Ti sn n - Ti sn c)

BKS Ban kim sot

CBCNV Cn b cng nhn vin

CHH C ng hin hu

DongA Bank Tn vit tt ca Ngn hng Thng mi C phn ng

HC i hi ng c ng

NQ HC Ngh quyt i hi c ng

NHNN Ngn hng Nh nc

HQT Hi ng qun tr

PH Pht hnh

TCTD T chc tn dng

TG Tng Gim c

TMCP Thng mi c phn

TNHH Trch nhim hu hn

UBCKNN y ban Chng khon Nh nc

UBND y ban Nhn dn

VL Vn iu l

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IV. TNH HNH V C IM CA T CHC PHT HNH

1. Tm tt qu trnh hnh thnh v pht trin

1.1 Gii thiu v DongA Bank

Tn t chc : NGN HNG THNG MI C PHN NG

Tn giao dch quc t : DONG A COMMERCIAL JOINT STOCK BANK

Tn vit tt : DONGA BANK

Tr s chnh : 130 Phan ng Lu, P.3, Q.Ph Nhun, TP. HCM

in thoi : (08) 3995 1483 Fax: (08) 3995 2090

Email : [email protected]

Website : www.dongabank.com.vn

Logo :

Vn iu l : 5.000.000.000.000 ng

Giy php thnh lp : S 135/GP-UB ngy 06/04/1992 ca UBND TP. HCM

Giy php hot ng : S 009/NH-GP ngy 27/03/1992 ca NHNN Vit Nam

Giy chng nhn ng k doanh nghip: s 0301442379 do S K hoch v u t TP.HCM cp, ng k ln u s 059011 ngy 08/04/1992, ng k thay i ln th 33 ngy 24/04/2012

Ti khon : 453 100 808 ti NHNN Chi nhnh TP. HCM

1.2 Lch s hnh thnh v pht trin

Ngn hng TMCP ng (DongA Bank) c thnh lp vo ngy 01/07/1992, l ngn hng thnh lp mi u tin theo Php lnh Ngn hng 1992. Vn iu l ca DongA Bank ban u khi mi thnh lp ch c 20 t ng vi 03 phng nghip v chnh l tn dng, ngn qu v kinh doanh. n nay, vn iu l ca ngn hng tng ln 5.000 t ng cng vi mng li hot ng tri rng trn c nc vi y cc sn phm dch v ca mt ngn hng hin i. Hiu qu kinh doanh khng ngng tng trng t khi mi thnh lp cho n nay.

Tm tt nhng im ni bt ca DongA Bank t khi thnh lp n nay:

Nm 1992

- Ngy 01/07/1992, DongA Bank chnh thc hot ng ti tr s u tin s 60 62 Nam K Khi Ngha, Qun Ph Nhun, TP. HCM (nay l ng Nguyn Vn Tri) vi vn iu l 20 t ng, tng s CBCNV 56 ngi v 3 phng ban nghip v.

BN CO BCH


Nm 1993

- Thnh lp 03 chi nhnh u tin ti Qun 1, Hu Giang (TP. HCM) v H Ni.

- Chnh thc trin khai thm dch v thanh ton quc t, chuyn tin nhanh, chi lng h v l ngn hng u tin thc hin tn dng tr gp ch.

Nm 1994

- Vn iu l l 30 t ng.

- Thnh lp chi b ng, Cng on v on Thanh Nin.

Nm 1995

- Vn iu l l 49,6 t ng.

- L i tc duy nht nhn vn y thc t T chc Hp tc Quc t ca Thy in (SIDA) ti tr cho cc doanh nghip va v nh Vit Nam, vi tng s vn l 1 triu USD.

Nm 1998

- L mt trong hai ngn hng c phn ti Vit Nam nhn vn ti tr t Qu pht trin Nng thn (RDF) ca Ngn hng th gii.

Nm 2000

- Vn iu l l 97,4 t ng.

- Thng 09/2000, tr thnh thnh vin chnh thc ca Mng thanh ton ton cu (SWIFT).

Nm 2001


- Thnh lp Cng ty TNHH Kiu hi ng .

- Thnh lp Chi nhnh An Giang trn c s mua li Ngn hng TMCP T Gic Long Xuyn, gp phn h tr chnh sch ca Ngn hng Nh nc trong vic ti cu trc H thng ngn hng Vit Nam.

- Xy dng v p dng thnh cng H thng Qun l Cht lng ISO 9001:2000 vo hot ng ngn hng.

Nm 2002


- Nhn chuyn giao i bng Cng an TP.HCM, lp Cng ty C phn Th thao ng (CLB Bng Ngn hng ng ).

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- Thnh lp Trung tm Th Ngn hng ng v chnh thc pht hnh Th ng .

- L mt trong hai ngn hng c phn nhn vn y thc t Ngn hng Hp tc Quc t Nht Bn (JBIC) ti tr cho cc doanh nghip va v nh.

Nm 2003

- Khi ng D n Hin i ho cng ngh ngn hng.

- Hp tc vi C quan Pht trin Quc t Hoa K (USAID) bo lnh tn dng cho khch hng ca DongA Bank.

- Thng hiu DongA Bank ot Gii thng Sao Vng t Vit do Hi cc nh doanh nghip tr trao tng v Gii thng "Cht lng Vit Nam" do B Khoa hc Cng ngh trao tng.

Nm 2004


- Thng 01/2004, ra mt h thng giao dch t ng ATM v pht hnh Th a nng DongA Bank.

- Thng 07/2004, sp nhp Ngn hng Nng thn Tn Hip vo DongA Bank v thnh lp Chi nhnh Kin Giang.

- Thng 10/2004, chnh thc trin khai dch v thanh ton t ng qua Th ng .

Nm 2005


- Thng 01/2005, sng lp H thng VietNam Bank Card (VNBC) kt ni h thng th gia cc ngn hng.

- Thng 09/2005, nhn cc gii thng: Cp Vng Thng hiu Vit do Mng thng hiu Vit kt hp cng Hi s hu cng nghip Vit Nam hp tc t chc, gii thng Sao Vng t Vit do Hi cc nh doanh nghip tr trao tng v Cp Vng Sn phm Uy tn Cht lng i vi dch v th a nng do Hi s hu tr tu Vit Nam trao tng.

- Thng 10/2005, h thng VNBC chnh thc kt ni vi Tp on China Union Pay (Trung Quc).

- Tng s CBCNV l 1.053 ngi (k c cc cng ty trc thuc).

Nm 2006

- Thng 03/2006, DongA Bank c ngi tiu dng bnh chn l "Thng hiu Vit Nam ni ting nht" thuc lnh vc Ti chnh Ngn hng Bo him do

BN CO BCH


VCCI phi hp vi Cng ty Nghin cu th trng AC Neilsen Vit Nam t chc.

- Thng 04/2006, chnh thc cng b trin khai thnh cng Giai on 1 D n Hin i ho Ngn hng, ng dng Corebanking thc hin giao dch online trn ton h thng DongA Bank v tip tc trin khai Giai on 2.

- Thng 07/2006, khnh thnh ta nh hi s v nhn chng nhn ZDNet 50, 1 trong 50 Doanh nghip Chu ng dng thnh cng cng ngh thng tin vo hot ng doanh nghip do Tp ch Cng ngh Thng tin hng u ZDNet trao; chnh thc ra mt Trung tm Giao dch t ng 24/24.

- Thng 08/2006, trin khai knh giao dch "DongA Bank in t" v tr thnh thnh vin ca t chc th VISA.

- Thng 09/2006, DongA Bank v Citibank k kt ghi nh hp tc chin lc.

- Cng ty Kiu hi ng gi vng v tr thanh ton dn u 7 nm lin.

- Mng li hot ng gm 69 chi nhnh, phng giao dch trn ton quc, ng thi trin khai thm 2 knh giao dch: Ngn hng ng t ng v Ngn hng ng in t. Trong nm 2006, DongA Bank t con s 1 triu khch hng s dng th a nng ch sau 3 nm pht hnh th, l ngn hng thng mi c phn dn u v tc pht trin dch v th, ATM ti Vit Nam.

Nm 2007

- Ngy 07/07/2007, chnh thc cng b thay i logo cng h thng nhn din thng hiu mi. DongA Bank khnh thnh v a vo s dng nhiu tr s hin i theo m hnh chun ca ta nh hi s.

- Ngy 15/08/2007, my ATM Th k 21 do DongA Bank ch to c chng nhn K lc Vit Nam - l my ATM u tin ti Vit Nam c chc nng nhn v i tin trc tip qua my.

- DongA Bank nhn gii thng "Top 100 thng hiu tiu biu nht Vit Nam 2007" do Hi doanh nghip tr Vit Nam trao tng v gii thng Top 200 doanh nghip ln nht Vit Nam do Chng trnh Pht trin Lin hip quc (UNDP) bnh chn.

- Hot ng Thanh ton quc t t doanh s trn 2 t USD v t chng nhn xut sc v Cht lng vt tri ca Hot ng Thanh ton quc t do Standard Chartered Bank, Citibank, American Express Bank v Bank of New York trao tng.

- Mng li hot ng gm 107 chi nhnh, phng giao dch trn 40 tnh, thnh vi 2 triu khch hng.

Nm 2008

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- Thng 02/2008, t chng nhn Thanh ton quc t xut sc do Wachovia Bank chng nhn v nhn danh hiu "Doanh nghip dch v c hi lng nht".

- Thng 03/2008, nhn gii "Thng hiu mnh Vit Nam 2007" do Thi bo Kinh t Vit Nam v Cc Xc tin Thng mi (B Cng thng) t chc

- Ngy 08/08/2008, ra mt Th tn dng VISA DongA Bank, nh du vic kt ni h thng th ng vi h thng th th gii thng qua VISA.

- Thng 08/2008, nhn gii thng Sao vng Phng Nam 2008 do Hi cc nh doanh nghip tr trao tng.

- Thng 09/2008, nhn gii thng Sao vng t Vit 2008 do Hi cc nh doanh nghip tr Vit Nam trao tng.

- DongA Bank l ngn hng u tin ti Vit Nam s hu my ATM nhn tin mt trc tip hin i nht vi tnh nng nhn 100 t vi nhiu mnh gi khc nhau trong mt ln gi. Nm 2008, DongA Bank c mt trn c nc vi 182 im giao dch v hn 800 my ATM vi s lng khch hng t 2,5 triu.

Nm 2009

- Vn iu l l 3.400 t ng.

- Tng s nhn s l 3.691 ngi.

- S lng khch hng t 4 triu.

- Chnh thc kt ni 3 h thng lin minh th VNBC, Smartlink v Banknetvn. ng thi, DongA Bank trin khai nhiu sn phm dch v ni bt nh Vay 24 pht, Ph sng 1 km, Chi lng in t, y mnh dch v thanh ton ha n

- K lc Guiness Vit Nam cho Ngn hng c h thng my ATM lu ng u tin ti Vit Nam do Trung tm sch v K lc Vit Nam trao tng.

- Gii thng Thng hiu mnh 2009 do Thi bo Kinh t Vit Nam v Cc Xc tin Thng mi (B Cng thng) t chc.

- Gii thng Cp vng Thng hiu Vit ln 6 do Tp ch Thng hiu Vit t chc.

- Gii thng Thng hiu Vng v gii thng Logo v slogan n tng nm 2009 do Hip hi chng hng gi v bo v thng hiu Vit Nam phi hp vi B Cng thng t chc.

- Gii thng Thng hiu chng khon uy tn nm 2009 do Hip hi Kinh doanh chng khon Vit Nam t chc.

- C thi ua ca Chnh ph cho n v hon thnh xut sc nhim v (07/2009).

BN CO BCH


Nm 2010

- K lc Vit Nam my bn vng u tin ti Vit Nam.

- Gii thng Doanh nghip Vit Nam vng 2010 do Hip hi Doanh nghip nh v va Vit Nam phi hp vi B Cng thng t chc.

- Gii thng Sao Vng t Vit 2010 do Hi doanh nhn tr Vit Nam trao tng

- Gii thng Thng hiu ni ting quc gia v doanh nhn xut sc t Vit 2010 do B Cng thng ch tr.

- Gii thng Thng hiu Vit yu thch nht 2010 do c gi bo Si Gn Gii phng bnh chn.

- Gii thng Thng hiu mnh Vit Nam 2010 do Thi bo Kinh t Vit Nam v Cc Xc tin Thng mi (B Cng thng) t chc.

- Gii thng Top 500 thng hiu Vit 2010.

- Gii thng Website v dch v thng mi in t c ngi tiu dng a thch nht 2010 do y ban Nhn dn TP.HCM trao tng.

- Gii thng n v chuyn tin tin phong nht nm 2010 Most Innovative Company Award 2010 dnh cho Cng ty Kiu hi ng trong khun kh Hi ngh chuyn tin quc t ti Lun n.

Nm 2011

- Tng s nhn s l 4.368 ngi.

- S hu hn 6 triu khch hng c nhn v doanh nghip.

- Chnh thc gii thiu nh v thng hiu mi Ngn hng trch nhim Ngn hng ca nhng tri tim, cng b thng ip mi cho Cc gi tr ct li, Tm nhn v s mnh c s dng cho chng ng 20 nm tip theo.

- Ra mt giao din mi ca website www.dongabank.com.vn vi 2 phin bn Vit - Anh.

- Gii thng T l cng in t chun STP (Straight-Through-Processing) do Ngn hng New York trao tng.

- Gii thng Thng hiu mnh Vit Nam nm 2011 do Thi bo Kinh t Vit Nam v Cc Xc tin thng mi phi hp t chc.

- Gii thng Website thng mi in t m hnh B2C chuyn ngnh in t, vin thng c a thch nht v Website thng mi in t c dch v chm sc khch hng c a thch nht do S Cng thng t chc.

- Gii thng n v hp tc trin khai marketing tt nht ti Vit Nam 2011 do Cng ty Chuyn tin quc t MoneyGram trao tng.

BN CO BCH


- Gii thng Cng ngh thng tin v truyn thng 2011 cho ng dng cng ngh thng tin hiu qu nht khi doanh nghip ln do S Thng tin v Truyn thng trao tng.Gii thng Doanh nghip dch v tt nht nm 2011 i vi 3 dch v: cho vay, tit kim v th ATM do c gi Bo Si Gn Tip th bnh chn.

- Gii thng Sao Vng t Vit nm 2011 do Hi Lin hip Thanh nin Vit Nam v Hi doanh nhn tr Vit Nam trao tng.

Nm 2012

- Vn iu l l 5.000 t ng.

- Vinh d n nhn Hun chng Lao ng hng Ba do Ch tch nc trao tng ngy 29/06/2012.

- Gii thng T l cng in t chun STP do Ngn hng Bank of New York Mellon (BNY) Hoa K.

- Gii thng Thng hiu mnh Vit Nam nm 2012 do Thi bo Kinh t Vit Nam v Cc Xc tin thng mi (B Cng thng) t chc.

- Gii thng Ngn hng kinh doanh ngoi hi tt nht Vit Nam nm 2012 dnh cho DongA Bank v gii thng Cng ty ti chnh tt nht Vit Nam cho Cng ty Kiu hi ng do tp ch Asian Banking & Finance.

Qua hn 20 nm k t ngy thnh lp, hot ng ca Ngn hng TMCP ng khng ngng pht trin. DongA Bank khng nh c v tr ca mnh trong h thng cc ngn hng thng mi Vit Nam v c Ngn hng Nh nc Vit Nam nh gi l ngn hng thng mi c phn hot ng c hiu qu. Tm nhn ca DongA Bank trong tng lai l tr thnh Tp on Ti chnh Ngn hng hng u ti Vit Nam.

1.3 Ngnh ngh kinh doanh v sn phm/dch v

Theo Giy chng nhn ng k doanh nghip s 0301442379 do S K hoch v u t TP. HCM cp ln u ngy 08/04/1992 v ng k thay i ln th 33 ngy 24/04/2012, DongA Bank c php kinh doanh cc lnh vc sau:

Hot ng trung gian tin t khc. Chi tit: Huy ng vn ngn hn, trung hn, di hn di hnh thc tin gi c k hn, khng k hn, chng ch tin gi; tip nhn vn u t v pht trin ca cc t chc, vay vn ca cc t chc tn dng khc, cho vay ngn hn, trung hn, di hn, chit khu thng phiu, tri phiu v giy t c gi tr, hn vn v lin doanh theo php lut qui nh, lm dch v thanh ton gia cc khch hng, kinh doanh ngoi t, vng, bc v thanh ton quc t, huy ng vn t nc ngoi v cc dch v khc khi c Ngn hng Nh nc cho php; Nhn tin gi tit kim bng ngoi t theo quy nh ca Thng c Ngn hng

BN CO BCH


Nh nc Vit Nam; Mua bn cc loi ngoi t vi ng Vit Nam. Huy ng v chi tr kiu hi. t cc bn thu i ngoi t trn a bn hot ng ca ngn hng; Vay vn bng ngoi t v tip nhn vn y thc bng ngoi t t cc t chc v cc c nhn nc ngoi; Cho vay ngn hn, trung hn bng ngoi t cho cc t chc kinh t Vit Nam. Thanh ton bng ngoi t trn phm vi lnh th Vit Nam theo quy nh ca Nh nc v qun l ngoi hi. Cc loi hnh giao dch hi oi: k hn (FORWARD) v hon i (SWAP); Thc hin nghip v pht hnh v thanh ton th ni a vi nhn hiu thng mi l Dong A Card. Pht hnh v thanh ton th quc t; Kinh doanh tri phiu (bao gm: mua, bn tri phiu, tham gia u thu tri phiu Chnh ph; bo lnh, i l pht hnh tri phiu chnh ph) theo quy nh ca php lut. Nghip v th trng m theo quy nh ca php lut;

Hot ng ca i l v mi gii bo him, chi tit: i l bo him;

Kinh doanh bt ng sn, quyn s dng t thuc ch s hu, ch s dng hoc i thu, chi tit: Dch v cho thu kho bi;

i l, mi gii, u gi, chi tit: i l pht hnh tri phiu doanh nghip; i l thanh ton tri phiu doanh nghip v u thu pht hnh tri phiu doanh nghip;

Hot ng dch v h tr khc lin quan n vn ti, chi tit: Dch v giao nhn hng ha.

2. C cu t chc ca Ngn hng

DongA Bank c 01 Hi s chnh, 01 S Giao dch, 46 Chi nhnh, 163 Phng giao dch, 17 Qu tit kim v 01 im giao dch. Ngn hng c t chc thnh 06 khi chc nng gm: Khi khch hng c nhn, Khi khch hng doanh nghip, Khi kinh doanh, Khi h tr, Khi qun tr ngun nhn lc, Khi gim st.

DongA Bank c 02 Cng ty thnh vin: Cng ty TNHH Mt thnh vin Kiu hi ng , Cng ty TNHH Mt Thnh vin Chng khon Ngn hng ng .

3. C cu b my qun l ca Ngn hng

3.1 i hi ng c ng

HC l c quan c thm quyn cao nht ca DongA Bank. HC quyt nh nhng vn thuc nhim v v quyn hn c Lut php v iu l quy nh: sa i, b sung iu l; tho lun v thng qua bo co ca Hi ng qun tr v tnh hnh hot

BN CO BCH


ng v kt qu kinh doanh, phng n phn phi li nhun; chia c tc v trch lp, s dng cc qu theo ngh ca Hi ng qun tr; thnh lp Cng ty trc thuc; chia, tch, sp nhp, hp nht, mua li, gii th ngn hng v Cng ty trc thuc ca ngn hng; bu, bi nhim v min nhim thnh vin HQT, BKS

3.2 Hi ng qun tr

HQT do HC bu ra, l c quan qun l ca DongA Bank, c ton quyn nhn danh DongA Bank quyt nh mi vn lin quan n mc ch, quyn li ca DongA Bank tr nhng vn thuc thm quyn ca HC m khng c y quyn.

HQT DongA Bank gm 08 thnh vin sau:

1. ng Phm Vn B Ch tch HQT

2. ng Trn Phng Bnh Ph Ch tch HQT kim TG

3. B V Th Vang Thnh vin HQT

4. ng ng Phc Da Thnh vin HQT

5. ng Trang Thnh Sng Thnh vin HQT

6. ng Trn Vn nh Thnh vin HQT c lp

7. ng Nguyn nh Trng Thnh vin HQT c lp

8. ng Cao S Kim Thnh vin HQT c lp

3.3 Ban kim sot

BKS do HC bu ra, l c quan thay mt c ng kim sot mt cch c lp, khch quan v trung thc mi hot ng sn xut, kinh doanh, qun tr v iu hnh ca DongA Bank.

BKS DongA Bank gm 03 thnh vin sau:

1. B Nguyn Th Cc Trng BKS

2. ng Nguyn Vinh Sn Thnh vin BKS

3. B Phan T Loan Thnh vin BKS

3.4 Ban Tng Gim c

Ban Tng Gim c l c quan iu hnh mi hot ng kinh doanh ca DongA Bank, chu trch nhim trc HC v HQT ton b vic t chc sn xut kinh doanh v thc hin cc bin php nhm t c cc mc tiu pht trin ca DongA Bank.

Ban Tng Gim c DongA Bank bao gm 08 thnh vin sau:

BN CO BCH


1. ng Trn Phng Bnh Tng Gim c

2. B Nguyn Th Ngc Vn Ph Tng Gim c thng trc

3. B Nguyn Th Kim Xuyn Ph Tng Gim c

4. ng Trn o V Ph Tng Gim c

5. ng L Tr Thng Ph Tng Gim c

6. ng Nguyn An Ph Tng Gim c

7. ng Lng Ngc Qu Ph Tng Gim c

8. ng Nguyn Quc Ton Ph Tng Gim c

3.5 Hi ng C vn v cc y ban trc thuc Hi ng qun tr

Hi ng c vn

Hi ng C vn c trch nhim c vn cho HQT trong vic xy dng v iu hnh chin lc pht trin ca DongA Bank.

y ban xy dng v thc hin chin lc

- Chu trch nhim trc tip vi HQT trong vic hoch nh chin lc, iu phi m bo vic thc thi chin lc, kim tra - nh gi vic thc thi chin lc, hiu chnh chin lc.

- Cung cp b sung cc ngun lc v cc h tr cho cc n v trong qu trnh t chc thc thi chin lc.

- Lm u mi lm vic vi cc nh t vn qun tr.

- Chu trch nhim tm kim i tc chin lc cho HQT.

- Bi dng, hun luyn v sng lc nhn s chun b cho cc v tr qun l v lnh o tng lai ca Ngn hng.

- Thc hin vic hun luyn v o to v qun tr v chin lc cho cc cp qun l.

- Thc hin cc nhim v chin lc khc c HQT giao.

y ban v vn nhn s

- Tham mu cho HQT v quy m v c cu HQT, ngi iu hnh ph hp vi quy m hot ng v chin lc pht trin ca DongABank.

- Tham mu cho HQT x l cc vn v nhn s pht sinh trong qu trnh tin hnh cc th tc bu, b nhim, bi nhim, min nhim cc chc danh thnh vin HQT, thnh vin BKS v ngi iu hnh DongABank theo ng quy nh ca php lut v iu l DongABank.

BN CO BCH


- Nghin cu, tham mu cho HQT trong vic ban hnh cc quy nh ni b ca DongABank thuc thm quyn ca HQT v ch tin lng, th lao, tin thng, quy ch tuyn chn nhn s, o to v cc chnh sch i ng khc i vi Ngi iu hnh, cc cn b, nhn vin ca DongABank.

y ban v vn qun l ri ro

- Tham mu cho HQT trong vic ban hnh cc quy trnh, chnh sch thuc thm quyn ca mnh lin quan n qun tr ri ro trong hot ng ngn hng theo quy nh ca php lut v iu l DongABank.

- Phn tch, a ra nhng cnh bo v mc an ton ca ngn hng trc nhng nguy c, tim n ri ro c th nh hng v bin php phng nga i vi cc ri ro ny trong ngn hn cng nh di hn.

- Xc nh chin lc ri ro, xy dng cu trc qun tr, phn nh lung bo co, kim sot t nh gi, qun l s kin ri ro, cc ch s o lng ri ro chnh v chng trnh gim thiu ri ro.

- Phn tch v a ra nhng cnh bo v mc an ton ca ngn hng trc nhng nguy c, tim n ri ro c th nh hng v bin php phng nga nhm bo m hn ch ti mc thp nht ri ro xy ra trong ngn hn cng nh di hn.

- Tham mu cho HQT trong vic quyt nh ph duyt cc khon u t, cc giao dch c lin quan, chnh sch qun tr v phng n x l ri ro trong phm vi chc nng, nhim v do HQT giao.

3.6 Cc Hi ng trc thuc Ban Tng Gim c

Ban Tng Gim c t chc cc Hi ng thc hin qun l mt s mng c th trong hot ng ca ngn hng:

Hi ng Qun l Ti sn n Ti sn c (ALCO)

Hi ng Qun l Ti sn n Ti sn c (ALCO) chu trch nhim t chc qun l v theo di cc hot ng lin quan n ngun vn, thanh khon, bng tng kt ti sn v cc loi ri ro lin quan n hot ng ca DongA Bank.

Hi ng Tn dng

Hi ng Tn dng c trch nhim ph duyt, thm nh i vi cc hp ng tn dng vt qu hn mc c php ti cc chi nhnh ng thi c trch nhim qun l ri ro tn dng trn ton h thng ca DongA Bank.

Hi ng u t

Hi ng u t l c quan c trch nhim i vi hot ng u t ca DongA

BN CO BCH


Bank

Hi ng Thi ua Khen thng

Hi ng Thi ua Khen thng c trch nhim xy dng cc tiu ch nh gi xp loi thi ua khen thng; xt, quyt nh tng thng cc danh hiu thi ua, cc hnh thc khen thng i vi c nhn, tp th thuc h thng DongA Bank; ngh c quan c thm quyn, quyt nh tng thng cc danh hiu thi ua, cc hnh thc khen thng i vi c nhn, tp th thuc h thng DongA Bank; thc hin cc chc nng nhim v theo quy ch thi ua khen thng ngnh Ngn hng ban hnh km theo Quyt nh s 40/2006/Q-NHNN ngy 17/08/2006 ca Thng c Ngn hng Nh nc.

Hi ng x l ri ro

Hi ng x l ri ro l c quan c thm quyn cao nht trong vic quyt nh x l ri ro trong hot ng ca DongA Bank. Hi ng x l ri ro quyt nh hoc y quyn cho Ph ch tch thng trc quyt nh.

Hi ng x l k lut

Hi ng x l k lut c trch nhim tip nhn cc h s v vi phm k lut lao ng; thu thp cc ti liu, chng c lin quan n x l k lut lao ng; t chc cc cuc hp xem xt tnh cht, mc vi phm k lut lao ng; xut hnh thc k lut, cc bin php yu cu ngi b x k k lut thc hin bi thng vt cht (nu c) trnh Tng Gim c quyt nh.

Hi ng thanh l ti sn

Hi ng thanh l ti sn c trch nhim trong cc quyt nh bn thanh l ti sn ca DongA Bank.

BN CO BCH


S T CHC QUN L CA DONGA BANK

P.Kim sot ni b

P.Qun l ri ro

P.Qun l Cht lng

I HI NG C NG

HI NG QUN TR

HI NG THI UA KHEN THNG

HI NG QUN L TI SN N - TI SN C

TNG GIM C

BAN KIM SOT

HI NG TN DNG

Y BAN XY DNG V THC HIN CHIN LC

Y BAN V VN NHN S

KHI KHCH HNG C NHN

KHI KHCH HNG DOANH NGHIP

KHI KINH DOANH KHI H TR

P.Ngun vn - Ngn qu

P.Kinh doanh ngoi hi

P.Kinh doanh vng

P.K ton

P.Nhn s - o to

P.Hnh chnh

P.Nghin cu Pht trin

P.Marketing

P.Ngn hng in t

P.Php ch

P.Nhn s vn hnh

P.Pht trin Ngun lc T chc

P.Pht trin Kinh doanh

P.Sn phm Dch v

P.Thanh ton Quc t

P.nh ch Ti chnh (FI)

P.Qun tr Tng hp

P. Pht trin Kinh doanh

P. Sn phm Dch v

P. Pht trin i tc

P. Qun l Tn dng c nhn

P.Qun tr tng hp

Y BAN V VN QUN L RI RO

P.KIM TON NI B

VN PHNG HI NG QUN TR

HI NG U T HI NG X L RI RO

HI NG X L K LUT

KHI GIM ST KHI QUN TR NGUN NHN LC

CC PH TNG GIM C

P.o to Trung tm Dch v KH

Trung tm Th

Trung tm Pht trin v Qun l ATM/POS

P.Qun tr tng hp

HI NG C VN

HI NG THANH L TI SN

VP BAN TNG GIM C

P.TNG HP MIN BC

BN CO BCH


4. Danh sch c ng nm gi t 5% tr ln vn c phn ca Ngn hng v

nhng ngi c lin quan, Danh sch c ng sng lp v t l c phn nm

gi, C cu c ng ti ngy cht gn nht trn mc vn thc gp hin ti

4.1 Danh sch c ng nm gi t 5% tr ln vn c phn v nhng ngi c

lin quan

Danh sch c ng ln tnh n thi im 29/03/2013

STT Tn c ng a ch S lng c phn T l

nm gi

1 Vn phng Thnh y TP.HCM

127 Trng nh, P.7, Q.3, TP. HCM

34.367.736 6,87%

2 Cng ty C phn Vng bc qu Ph Nhun

170E Phan ng Lu, P.3, Q.Ph Nhun, TP. HCM

38.496.250 7,70%

3 Cng ty C phn Vn An Bnh

82/138 L Chnh Thng, P.8, Q.3, TP.HCM

27.079.122 5,42%

Tng cng 99.943.108 19,99%

Ngun: DongA Bank

Danh sch c ng l ngi c lin quan1 ca c ng ln ti thi im 29/03/2013

Ngi c lin quan Mi quan h vi

c ng ln S lng c phn

T l nm gi

1. Vn phng Thnh y TP.HCM

Cng ty TNHH MTV Xy dng v Kinh doanh Nh Ph Nhun

Cng ty trc thuc Vn phng Thnh y TP.HCM

10.707.508 2,14%

Cng ty TNHH MTV Du Lch Thng Mi K Ha

Cng ty trc thuc Vn phng Thnh y TP.HCM

18.918.514 3,78%

2. Cng ty C phn Vng bc qu Ph Nhun (PNJ)

Cng on Cng ty C phn Trc thuc PNJ 3.869.698 0,77%

1 Ngi c lin quan c nh ngha theo quy nh ti Khon 34 iu 6 Lut Chng khon s 70/2006/QH11 ngy 29/06/2006

BN CO BCH


Ngi c lin quan Mi quan h vi

c ng ln S lng c phn

T l nm gi

Vng bc qu Ph Nhun

Cao Th Ngc Dung Ch tch HQT kim Tng Gim c

9.380.469 1,88%

Nguyn V Phan Ph Ch tch HQT 316.452 0,06%

Nguyn Th Cc Thnh vin HQT kim Ph Tng Gim c

97.560 0,02%

Nguyn Th Bch H Thnh vin HQT 459.157 0,09%

Phm Vn Tn Trng BKS 5.602.071 1,12%

Trn Vn Dn Thnh vin BKS 4.000 0,001%

Nguyn Ngc Hu Thnh vin BKS 780 0,0002%

Phm Th M Hnh Ph TG 125.564 0,03%

L Hu Hnh Ph TG 21.240 0,004%

ng Th Li K ton trng 51.485 0,01%

3. Cng ty C phn Vn An Bnh

Cao Th Ngc Hng Ngi i din php nhn 224.242 0,04%

Ngun: DongA Bank

4.2 Danh sch c ng sng lp

Theo Giy chng nhn ng k doanh nghip s 0301442379 do S K hoch v u t TP. HCM cp ln u ngy 08/04/1992 v ng k thay i ln th 33 ngy 24/04/2012, danh sch c ng sng lp ca DongA Bank gm:

TT Tn c ng a ch S c phn Gi tr

c phn T l vn gp (%)

1

Cao Th Ngc Dung

(i din CTCP Vng bc qu Ph Nhun)

82/138 L Chnh Thng, P.8, Q.3

800.000 8.000.000 0,24

2 Nguyn Kim Tuyt

(i din Cng ty May Xut khu Ph

194L/4 Nguyn Minh Chiu, P.8, Q.Ph Nhun

60.000 600.000 0,02

T CHC T VN: CNG TY CH

TT Tn c ng

Nhun)

3

Quch Vn Hn

(i din Cng ty TNHH MTV Xy dng Kinh doanh nh Ph Nhun)

4

Trng Th Thanh Tm

(i din CTCP Dch v Ph Nhun)

Ghi ch: C phiu sch chuyn nhng (03 ndo chuyn nhng.

4.3 C cu c ng

C cu c

C ng

1. C ng trong n

- T chc

- C nhn

2. C ng nc ngo

Tng cng

C nhn

63%

C cu c

N: CNG TY CHNG KHON NGN HNG NG

a ch S c phn

177/38/20 Ng Tng Chu, P.11, Q.Bnh Thnh

600.000 6.000

n)

215/23/4D Phan ngLu, Q.Ph Nhun

120.000 1.200.000

u s hu ca cc c ng sng lp nu trn ng (03 nm) tnh t 08/04/1992, hin ti s c phi

ng

ng ca DongA Bank ti thi im 29/03/2013

S lng c ng

S c phn

c 4.915 500.000.000

38 182.692.051

4.877 317.307.949

c ngoi 0

4.964 500.000.000

Ngu

T chc

37%C nhn

63%

u c ng DongA Bank

BN CO BCH

28

Gi tr c phn

T l vn gp (%)

6.000.000 0,18

1.200.000 0,04

u trn qua thi gian hn phiu ny l c phiu t

m 29/03/2013

T l (%)

.000.000 100

182.692.051 36,54

317.307.949 63,46

0 0

.000.000 100%

Ngun: DongA Bank

BN CO BCH


5. Danh sch cng ty m v cng ty con ca DongA Bank, nhng cng ty m

DongA Bank 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 DongA Bank

5.1 Danh sch Cng ty nm gi quyn kim sot v c phn chi phi DongABank

Khng c.

5.2 Danh sch cc Cng ty thnh vin ca DongA Bank

Cng ty TNHH Mt thnh vin Kiu hi ng

- Tn ting Anh : DONG A MONEY TRANSFER COMPANY LTD

- a ch : 122 Phan Xch Long, P.2, Q.Ph Nhun, TP. HCM

- Vn iu l : 50.000.000.000 ng

- Giy chng nhn ng k kinh doanh: S 4104000024 ng k ln u ngy 20/08/2001 v ng k thay i ln th 14 ngy 27/10/2008

- Ngnh ngh kinh doanh:

Dch v nhn v chi tr ngoi t

i l i ngoi t

- T l nm gi ca DongA Bank: 100% Vn iu l

Cng ty TNHH Mt Thnh vin Chng khon Ngn hng ng

- Tn ting Anh : DONG A BANK SECURITES COMPANY LTD

- a ch : 56 68 Nguyn Cng Tr, Q.1, TP. HCM

- Vn iu l : 500.000.000.000 ng

- Giy php hot ng: S 12/GPHKD ca y ban Chng khon Nh nc ngy 20/05/2003

- Ngnh ngh kinh doanh:

Mi gii chng khon

T doanh chng khon

Bo lnh pht hnh chng khon

T vn u t chng khon

- T l nm gi ca DongA Bank: 100% Vn iu l

BN CO BCH


6. Gii thiu v qu trnh tng vn ca Ngn hng

T vn iu l ban u ch 20 t ng nm 1992, n nay DongA Bank c vn iu l l 5.000 t ng, tng gp nhiu ln so vi thi im thnh lp, p ng y cc quy nh ca Ngn hng Nh nc Vit Nam v vn php nh. Qu trnh tng vn ca DongA Bank t nm 1992 n nay c th nh sau:

Thi im

tng vn

Vn tng thm

(t ng)

VL sau khi tng vn (t ng)

Hnh thc tng vn

C s php l

Thnh lp nm 1992

20 C ng sng lp gp vn

11/1994 10 30 PH c phiu cho CHH theo t l 2:1

NQ HC ngy 01/07/1993 Cng vn chp thun ca NHNN s 298/Q-NH5 ngy 24/11/1994



12/1995 9,64 49,64 PH c phiu cho CHH theo t l 4:1




12/1996 15,3 75 PH c phiu cho CHH theo t l 100:26

NQ HC bt thng ngy 09/11/1996 Cng vn chp thun ca NHNN s 348/Q-NH5 ngy 16/12/1996


NQ HC ngy 01/02/1997 Cng vn chp thun ca NHNN s 418/1997/Q-NHNN5 ngy 16/12/1997


NQ HC ngy 25/01/2000 Cng vn chp thun ca NHNN s 527/Q-NHNN ngy 28/12/2000

10/2001 22,558 120 PH c phiu cho CHH theo t l 23,15%

NQ HC ngy 15/02/2001 Cng vn chp thun ca NHNN s 937/NHTP ngy

BN CO BCH


Thi im

tng vn

Vn tng thm

(t ng)


Hnh thc tng vn

C s php l

01/10/2001


NQ HC ngy 02/02/2002 Cng vn chp thun ca NHNN s 443/NHTP ngy 17/04/2002



7/2003 53 253 PH c phiu cho CHH theo t l 26,5%

NQ HC ngy 08/03/2003 Cng vn chp thun ca NHNN s 118/NHNN-HCM ngy 26/06/2003

9/2004 4 257

Tng VL do st nhp t Ngn hng Tn Hip theo t l 1,6%

NQ HC ngy 06/03/2004 Cng vn chp thun ca NHNN s 795/Q-NHNN ngy 25/06/2004

11/2004 43 300 PH c phiu cho CHH theo t l 18,58%









NQ HC ngy 26/02/2005 Cng vn chp thun ca NHNN s 2269/NHNN-HCM02 ngy 14/11/2005


NQ HC ngy 11/03/2006 Cng vn chp thun ca NHNN s 641/NHNN-HCM

BN CO BCH


Thi im

tng vn

Vn tng thm

(t ng)


Hnh thc tng vn

C s php l

ngy 30/05/2006





3/2007 520 1.400

PH thm 385 t ng t ngun Qu d tr b sung VL cho CHH, PH thm 77 t ng cho CHH, PH thm 58 t ng cho CBCNV, c ng chin lc v i tc trong nc

NQ HC bt thng ngy 29/12/2006 Cng vn chp thun ca NHNN s 443/NHNN-HCM02 ngy 30/03/2007

11/2007 200 1.600 PH c phiu cho CHH theo t l 7:1

NQ HC bt thng ngy 29/12/2006, NQ HC ngy 15/04/2007 Cng vn chp thun ca NHNN s 1193/NHNN-HCM ngy 09/08/2007 Giy chng nhn cho bn s 222/UBCK-GCN ngy 21/11/2007

07/2008 240 1.840

PH c phiu thng cho CHH theo t l 15%

NQ HC ngy 8/3/2008 Cng vn chp thun ca NHNN s 1021/NHNN-HCM02 ngy 24/06/2008 CV s 1409/UBCK-QLPH ngy 14/07/2008

11/2008 1.040 2.880

PH c phiu thng cho CHH t l 100:65

NQ HC ngy 8/3/2008 Cng vn chp thun ca NHNN s 1021/NHNN-HCM02 ngy 24/06/2008 CV s 2257/UBCK-QLPH ngy 14/11/2008

7/2009 520 3.400 PH c phiu cho CHH theo t l

NQ HC ngy 17/3/2009 Cng vn chp thun ca

BN CO BCH


Thi im

tng vn

Vn tng thm

(t ng)


Hnh thc tng vn

C s php l

100:18 NHNN s 4062/NHNN-CNH ngy 03/06/2009 Giy chng nhn cho bn s 408/UBCK-GCN ngy 16/07/2009

11/2010 1.100 4.500 PH c phiu cho CHH theo t l 34:11

NQ HC ngy 26/3/2010 Cng vn chp thun ca NHNN s 6030/NHNN-TTGSNH ngy 11/08/2010 Giy chng nhn cho bn s 737/UBCK-GCN ngy 19/11/2010

01/2012 500 5.000 PH c phiu cho CHH theo t l 9:1

NQ HC ngy 12/3/2011 Cng vn chp thun ca NHNN s 9659/NHNN-TTGSNH ngy 16/12/2011 Giy chng nhn cho bn s 10/UBCK-GCN ngy 07/03/2012

Bng Qu trnh tng vn iu l ca DongA Bank

20 30 49,600 49,6 85 97,400 120200 253 350

500880

1.600

2.880

3.400

4.500

5.000

T ng

BN CO BCH


7. Hot ng kinh doanh

7.1 Ngnh ngh kinh doanh chnh

7.1.1 Sn phm v dch v

Cc sn phm v dch v ca DongA Bank cung cp cho khch hng hin nay c chia thnh 2 khi chnh: Khi khch hng c nhn v khi khch hng doanh nghip.

Cc sn phm dch v chnh i vi khch hng c nhn:

Tin gi tit kim: Bao gm cc loi hnh tin gi tit kim VND v ngoi t nhm mc ch hng li cn c vo k hn gi.

Tit kim khng k hn VN

Tit kim khng k hn ngoi t

Tit kim c k hn VN

Tit kim c k hn ngoi t

Tin gi thanh ton: Bao gm cc loi hnh tin gi c s dng ch yu thc hin giao dch thanh ton qua ngn hng vi cc cng c nh sc, y nhim chi, y nhim thu

Tin gi khng k hn VND

Tin gi khng k hn ngoi t

Tin gi c k hn VND

Tin gi c k hn ngoi t

Th: Vi th a nng ng , khch hng c th thc hin cc giao dch nh rt tin; gi tin; chuyn khon trc tuyn qua ATM/ SMS Banking/ Internet Banking/ Mobile Banking/ Phone Banking; thu chi th; nhn lng in t, thanh ton t ng cc khon chi nh k nh tin in, tin nc, cc in thoi, ph bo him, Internet; thanh ton mua hng ti cc h thng siu th; mua sm online... Ngoi ra, DongA Bank cn cung cp cc sn phm th khc nhau ph hp vi nhu cu ca nhiu i tng khch hng khc nhau nh:

Th a nng ng

Th Lin kt sinh vin

Th a nng Richland Hill

Th a nng chng khon

Th Tn dng VISA DongA Bank

Th Bc s

Th Mua sm

Th Nh gio

BN CO BCH


Dch v thanh ton t ng: Cung cp dch v thanh ton t ng cc ha n nh k cho nh cung cp dch v (tin in, nc, in thoi, bo him), khch hng khng phi tn chi ph v thi gian i li, an ton v ch ng trong thanh ton.

Tn dng c nhn: Gm nhiu sn phm cho vay cung cp cc gii php ti chnh cho khch hng c nhn nh cho vay du hc, mua nh, sa cha nh, sn xut kinh doanh i vi h kinh doanh, tiu thng vi phng thc thanh ton linh hot tr nh k hoc tr gp

Vay mua nh

Vay tr gp ch

Vay cm c s tit kim

Vay tiu dng, sinh hot

Vay tiu dng tr gp

Vay kinh doanh chng khon

Thu chi ti khon th

Vay u t my mc thit b

Vay xy dng, sa nh

Vay sn xut kinh doanh

Vay sn xut nng nghip

Vay du hc

Vay ng trc tin bn chng khon (trc tuyn)

Vay mua t lin kt vi i tc

Vay mua cn h d n Richland Hill

Chuyn tin Kiu hi: l dch v Ngn hng nhm p ng nhu cu chuyn tin, thanh ton trong v ngoi nc cho mi i tng khch hng mt cch chnh xc, an ton, nhanh chng.

Nhn tin ti Vit Nam

Chuyn tin nhanh ra nc ngoi

Gi tin v Vit Nam

Cc dch v khc

Gi sn phm dch v dnh cho du hc sinh

Kinh doanh ngoi t k hn

Thu i ngoi t

Bn ngoi t

Dch v gi h vng

Chng th xc nh kh nng ti chnh

Cc sn phm dch v chnh i vi khch hng doanh nghip:

Tn dng doanh nghip: gm nhiu sn phm cp tn dng cho khch hng nhm p ng nhu cu vn cho sn xut, kinh doanh, xut nhp khu

Cho vay b sung vn lu ng

Ti tr nhp khu

Ti tr xut khu

Cho vay u t ti sn c nh

BN CO BCH


Ti tr xy dng

Cho vay u t d n bt ng sn

Ti tr nhp khu bo m bng chnh l hng nhp khu

Ti tr thu mua d tr

Ti tr xut khu trc khi giao hng

Ti tr xut nhp khu trn gi

Ti tr xut khu sau khi giao hng

Dch v bo lnh: gm bo lnh trong nc, bo lnh ngoi nc vi nhiu hnh thc khc nhau.

Bo lnh trong nc

Bo lnh ngoi nc

Dch v thu chi h: cung cp cc dch v thu h hoc chi h ti cc ca hng, i l ca doanh nghip ti cc tnh thnh trong ton quc hoc chi lng nhn vin, chi hoa hng qua ti khon ngn hng, ti khon th gip khch hng tit kim thi gian, nhn lc, chi ph qun l; gim thiu ri ro trong vic lu tr, kim m v vn chuyn tin mt

Thu h tin mt

Chi h tin mt

Chi h lng cho nhn vin

Kinh doanh u t

u t lin doanh v y thc u t

Mua bn ngoi t

Thanh ton quc t: thng qua cc dch v m ngn hng cung cp, khch hng c th thanh ton cc hp ng xut nhp khu mt cch nhanh chng, thun tin, an ton.

Chuyn tin m bo nhn ngay trong ngy

Chuyn tin ra nc ngoi

Nhn tin t nc ngoi

Nh thu nhp khu

Nh thu xut khu

Th tn dng nhp khu

Th tn dng xut khu

Thng bo L/C xut khu

Chuyn nhng th tn dng (L/C) xut khu

Dch v ti khon: vi cc sn phm ny, khch hng c th k gi, rt tin mt, chuyn khon, thc hin cc giao dch thanh ton trong nc cng nh ngoi nc mt cch nhanh chng v thun tin nht.

Tin gi thanh ton

BN CO BCH


Tin gi c k hn

Chuyn tin trong nc

Sn phm dch v khc

Qun l h ti sn

Dch v theo yu cu

7.1.2 Huy ng vn

Trong cng tc huy ng vn, DongA Bank tip tc trin khai thc hin cc k hoch huy ng vn linh hot, trong c bit ch trng khai thc ngun vn t dn c. cnh tranh vi cc t chc tn dng khc, DongA Bank tch cc xy dng cc chng trnh huy ng phong ph, a dng c thit k da trn s thu hiu su sc khch hng nh pht hnh k phiu, a dng ha cc k hn gi tin kt hp cc chng trnh khuyn mi hp dn. Cng vi vic thc hin chnh sch huy ng vn linh hot, DongA Bank lun ch trng qung b thng hiu, gia tng tin ch dch v, khng ngng nng cao cht lng phc v, ci tin cng ngh, pht trin mng li giao dch rng ri v trin khai nhiu knh giao dch thun li cho khch hng.

Vi cc bin php trn, tng vn huy ng ca DongA Bank tnh n ngy 31/12/2012 t 61.690 t ng, tng 28,20% so vi nm 2011 v t 88% k hoch nm 2012. Trong , DongA Bank duy tr ngun vn huy ng bn vng t khi t chc kinh t v dn c vi mc tng trng l 40,83% so vi nm 2011 v c t trng 82,33% cao nht trong c cu ngun vn huy ng nm 2012. Bn cnh l s gia tng t ngun vn y thc2 vi t l tng trng 15,41% v chim t trng 1,14%, cn li l ngun vn t TCTD khc v NHNN vi t l tng trng l 2,43% v t trng chim 9,52% trong c cu ngun vn. Ngun huy ng t pht hnh giy t c gi gim 11,28% so vi nm trc v ch chim t trng 7,01%. n 30/06/2013, tng vn huy ng ca DongA Bank vn gi c s n nh nh ti thi im 31/12/2012.

C cu ngun vn huy ng

CH TIU

31/12/2010 (hp nht)

31/12/2011 (hp nht)

31/12/2012 (hp nht)

30/06/2013 (hp nht)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

Vay NHNN 700.000 1,47 839.958 1,75 0 0 0 0

2 Bao gm y thc t Ngn hng Th gii (thng qua BIDV VietNam), Ngn hng Pht trin Chu v Ngn hng Hp tc Quc t Nht Bn


CH TIU

31/12/2010(hp nh

Gi tr (tr.ng)

Tin gi v vay t cc TCTD khc

4.173.835

Tin gi ca khch hng

31.417.279

Vn ti tr, y thc u t, cho vay chu ri ro

310.288

Pht hnh giy t c gi

11.154.737

TNG CNG 47.756.139

Ngun: BCTC

Biu

Biu c cu tin g

0

10.000.000

20.000.000

30.000.000

40.000.000

50.000.000

60.000.000

70.000.000

31/12/10

TG k qu, 1,09%

Tr.ng


31/12/2010 p nht)

31/12/2011 (hp nht)

31/12/2012(hp nh

T trng (%)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

8,74 5.734.774 11,92 5.874.350

65,79 36.064.013 74,94 50.790.243

0,65 609.131 1,27 703.017

23,36 4.872.574 10,12 4.323.124

100 48.120.450 100 61.690.734

n: BCTC hp nht nm 2011, nm 2012 kim ton, BCTC

c cu ngun vn huy ng ca DongA Bank

n gi khch hng phn theo loi hnh tin g

31/12/11 31/12/12

Giy t

Vn ti tr

Khch hng

TCTD

CP v NHNN

TG khng k

hn, 13,54%

TG c k

hn, 85,21%

TG k qu, 1,09%

TG vn chuyn

dng, 0,15%

BN CO BCH

38

31/12/2012 p nht)

30/06/2013 (hp nht)

T trng (%)

Gi tr (tr.ng)

T trng (%)

9,52 3.572.268 5,68

82,33 57.407.865 91,31

1,14 795.457 1,27

7,01 1.095.431 1,74

100 62.871.021 100

, BCTC hp nht Qu 2/2013 sot xt

a DongA Bank

gi ti 31/12/2012

y t c gi

n ti tr, y thc

Khch hng

TCTD

CP v NHNN


Biu c cu tin gi kh

7.1.3 Hot ng tn d

Hot ng tn dng lDongA Bank lun quan tnhm rt ngn thi gian Bank rt a dng cho c b sung vn lu ng, xu

im ni bt trong hothnh lp, DongA Bank vic cho vay i vi khch hdoanh lun mang tnh chu kkhch hng pht trin m hng gp kh khn v trin ca doanh nghip.

Nm 2010, DongA Bank phng Chnh sch khch hng c vai tr lm cchnh ca doanh nghip vsn phm ti chnh ph hcc quy nh v cho vay, bdoanh nghip tip tc c nhii ng nhm tp trung n sut gia Hi s v cc

Bn cnh cho vay cc tdng bn l thng qua vidoanh nghip vay tiu dng

Vi vic trin khai hi


i khch hng phn theo i tng khch h

ng tn dng

ng l mt trong nhng hot ng chnh ca quan tm n vic nng cao cht lng dch v

i vay ca khch hng. Cc loi hnh cp tn d i tng khch hng doanh nghip ln khch h

ng, xut nhp khu, xy dng, sa cha nh, tiu dng, mua t

t trong hot ng tn dng ca DongA Bank l ngay t ch trng n i tng l cc doanh nghi

i khch hng l t chc kinh t, DongA Bank xc doanh lun mang tnh chu k, do khng ch cho vay khi khch hng thi

iu quan trng l phi cng vi khch hng hnh cung cp cc dch v ti chnh ngn hng cho s

m 2010, DongA Bank ti c cu t chc khi Khch hng doanh nghing Chnh sch khch hng c vai tr lm cu ni gia nhu c

p vi DongA Bank. Phng Chnh sch khch hng si chnh ph hp vi c th kinh doanh ca doanh nghi

cho vay, bo lnh ca DongA Bank. Trong nm 2011, khnhiu hot ng mnh m nhm thay i cn nh m hnh t chc, tng bc to s phn v kinh doanh.

nh cho vay cc t chc kinh t, DongA Bank cng rt quan tm thng qua vic cp tn dng cho tiu thng ti cc ch

u dng, vay mua hng tr gp, cho vay 24h, th

n khai hiu qu cp tn dng Vit Nam, DongA Bank

T chc kinh t, 17,65%

C nhn, 81,09%

i tng khc, 1,27%

BN CO BCH

39

ch hng ti 31/12/2012

a DongA Bank. Do , ch v v quy trnh th tc

p tn dng ca DongA n khch hng c nhn nh

, tiu dng, mua t

l ngay t nhng ngy u doanh nghip va v nh. Trong

, DongA Bank xc nh hot ng kinh khi khch hng thiu vn hoc khi

i khch hng tho g khi khch i chnh ngn hng cho s pht

ng doanh nghip, trong u v cc sn phm ti

ng Chnh sch khch hng s thit k cc gi a doanh nghip ng thi tun th

m 2011, khi Khch hng cu t chc, xy dng phi hp ng b xuyn

t quan tm n mng tn i cc ch, cho CBCNV cc

tn dng ngn hn...

t Nam, DongA Bank v ang c

BN CO BCH


cc T chc Ti chnh quc t tn nhim v la chn tham gia vo cc d n ti Vit Nam nh:

D n Pht trin Nng thn (Rural Finance Project): Do World Bank ti tr nhm mc ch cho vay pht trin kinh t khu vc nng thn. D n pht trin thnh 03 qu pht trin nng thn v DongA Bank tham gia c 03 qu ny.

D n Ti tr doanh nghip va v nh (SME Finance Project): Do Japan International Cooperation Agency (JICA) ti tr nhm mc ch h tr cc doanh nghip va v nh tip cn nhng khon vay trung v di hn u t cng ngh v c s h tng nhm phc v hot ng sn xut kinh doanh. D n hin pht trin thnh 03 giai on vi vic hnh thnh 03 d n nh v DongA Bank tham gia c 03 d n ny.

D n Ti chnh nh : Do Asian Development Bank (ADB) ti tr vi mc tiu ci thin iu kin nh ca cc h thu nhp thp th (ULIPH) trn c s th chp bng bt ng sn v cho vay n nhm dn c sng th, c nhu cu ti chnh nh .

D n tn dng

Nm 2012, tnh hnh kinh t cha kh quan v chnh sch tin t - ngn hng c nhiu thay i nh hng n hot ng tn dng ca cc ngn hng. n 31/12/2012, tng d n cho vay ca DongA Bank t 50.650 t ng, tng 15,1% so vi nm 2011 v t 100% k hoch ra cho nm 2012. Hot ng sn xut kinh doanh gp nhiu kh khn nn hn ch kh nng hp th vn vay ca ngn hng, kh nng tr n ca doanh nghip v h dn cng gim thp do th trng suy gim sc mua, ng thi phn ln ti sn th chp ca khch hng l bt ng sn trong khi th trng ny km thanh khon. Do , ngn hng cng cn nhc k i tng cho vay hn ch ri ro v m bo an ton tn dng.

VT: triu ng

CH TIU TNG D N

31/12/2010 (hp nht)

31/12/2011 (hp nht)

31/12/2012 (hp nht)

30/06/2013 (hp nht)

Cho vay khch hng 38.320.847 44.003.078 50.650.056 51.499.801

D phng ri ro tn dng

(446.522) (662.024) (893.893) (821.286)

Ngun: BCTC hp nht nm 2011, nm 2012 kim ton, BCTC hp nht Qu 2/2013 sot xt

BN CO BCH


C cu d n cho vay ca khch hng

CH TIU

31/12/2010 (hp nht)

31/12/2011 (hp nht)

31/12/2012 (hp nht)

30/06/2013 (hp nht)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

Gi tr (tr.ng)

T trng (%)

N ngn hn 24.815.457 64,76 27.906.862 63,42 28.041.576 55,36 29.856.610 57,97

N trung hn 10.168.791 26,54 10.978.029 24,95 13.807.636 27,26 13.340.103 25,90

N di hn 3.336.599 8,71 5.118.187 11,63 8.800.844 17,38 8.303.088 16,12

TNG CNG

38.320.847 100 44.003.078 100 50.650.056 100 51.499.801 100

Ngun: BCTC hp nht nm 2011, nm 2012 kim ton , BCTC hp nht Qu 2/2013 sot xt

Nhn chung, cho vay ngn hn l ch yu vi t trng t 50% tr ln, cho vay trung hn duy tr n nh mc 24 - 28% v cho vay di hn chim t trng di 18% trong tng s d n cho vay khch hng ca DongA Bank.

Biu c cu d n cho vay khch hng phn theo thi hn n vay

Xt trn kha cnh i tng cho vay nm 2012, cho vay c nhn chim t trng 25,87%; cho vay cc t chc kinh t chim t trng 74,13% trong tng d n cho vay khch hng, trong ch yu l i tng cng ty TNHH t nhn (chim 29,83%) v cng ty c phn t nhn (chim 40,46%). C cu cho vay th hin r nh hng ngn hng bn l ca DongA Bank.

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

31/12/2010 31/12/2011 31/12/2012

N di hn

N trung hn

N ngn hn


Biu c cu d n cho vay khch h

Cht lng tn dng

V cht lng tn dcng nh trch lp d phng r

T l n xu ca DongA Bankso vi nm 2011. Cc tc u bc l r hot ng ct u vo tng ln nh hmua, hng tn kho tng cao. nm 2012.

Trc tnh hnh gia tphp sau qun l ri ro v

Chun ha v tin hqun l hot ng vk kp thi, lm c

Theo di st tnh hnh ttn dng nhng i hn thng qua vic rtrong hot ng tn dung

Tp trung vn cho vay cc lnghip nh v va, cng nghilnh vc khng khuy

Ch ng v tch c

40,46%

1,97%

0,13%

0,51%

25,87%


cho vay khch hng phn theo i tng cho vay

ng tn dng

ng tn dng, DongA Bank lun nghim tc thc hing ri ro tn dng theo ng quy nh ca NHNN

DongA Bank nm 2012 l 3,95% tng d nc ng tiu cc ca suy thoi kinh t trong 4 n

ng ca doanh nghip v h sn xut kinh doanh. Trong khi cng n gi c sn phm th th trng

ng cao. y l nguyn nhn chnh dn n t l

nh gia tng n xu trong nm, DongA Bank ro v m bo cht lng hot ng tn dng:

tin hc ha quy trnh thc hin cng vic nhng v hon thin c s d liu ton h thng ph

s xy dng cc nh hng, chnh sch nhanh ch

Theo di st tnh hnh tng trng tn dng ca ton h thng, i i vi an ton h thng; quy nh cc iu kic r sot, chnh sa v ban hnh cc chnh sch, quy

ng tn dung hn ch ri ro v m bo an ton tn d

n cho vay cc lnh vc nng nghip, nng thn, xua, cng nghip h tr; kim sot t trng d n

c khng khuyn khch so vi tng d n cho vay.

tch cc lm vic vi khch hng phi hp t

1,23%

29,83%

40,46%

Cng ty nh n

Cng ty TNHH t

Cng ty CP t

DN t

DN c v

HTX,

C nhn

BN CO BCH

42

ng cho vay ti 31/12/2012

c hin chuyn n qu hn NHNN.

n cho vay, tng 2,26% trong 4 nm va qua bt

t kinh doanh. Trong khi cc yu u ra cng st gim sc n xu tng ln trong

thc hin mt s bin :

c nhm nng cao hiu qu ng phc v cng tc thng

ch nhanh chng.

ng, m bo tng trng iu kin cho vay cht ch

ban hnh cc chnh sch, quy nh cht ch n tn dng.

p, nng thn, xut khu, doanh n cho vay i vi cc

p tm cc gii php x l

Cng ty nh nc

Cng ty TNHH t nhn

Cng ty CP t nhn

DN t nhn

DN c vn u t nc ngoi

HTX, on th, hip hi

C nhn

BN CO BCH


hng tn kho, x l n nhm tho g kh khn, y mnh sn xut v tiu th sn phm v hn ch n qu hn, n xu.

Tp trung thu hi n qu hn v n xu l nhim v hng u ca cc n v cho vay.

n 30/06/2013, t l n xu ca DongA Bank gim xung so vi thi im 31/12/2012, cn 2,99%.

7.1.4 Hot ng thanh ton v kinh doanh ngoi t

Thanh ton trong nc

Vi th mnh v cng ngh hin i v mng li giao dch tri khp c nc, DongA Bank cung cp nhiu hnh thc thanh ton thun tin cho khch hng c nhn ln doanh nghip.

i vi khch hng c nhn, DongA Bank thc hin pht trin nhiu tin ch cho dch v thanh ton trc tuyn ebanking:

y mnh pht trin dch v thanh ton ha n vi cc nh cung cp (in, nc, truyn hnh cp, vin thng, hc ph, ) v tip tc y mnh kt ni vi nhiu n v cung cp dch v trn th trng.

y mnh pht trin tin ch thanh ton qua knh ATM: chuyn khon ni b, chuyn khon lin ngn hng, mua th co...

Pht trin my POS ti cc i l chp nhn th (siu th, trung tm mua sm, nh hng, ca hng, khch sn) thanh ton tin mua hng ha dch v.

y mnh kt ni vi cc i tc bn hng qua mng (www.thegioitructuyen.vn, www.tiki.vn, TGM Corporation, VTC Intecom, Nencer, MegaStar, WOOW, V in t VnMart, Vietnam Airlines, Air Mekong, JetStar) thanh ton tin mua hng qua cc knh SMS/Mobile/Internet/Phone Banking.

Kt ni POS vi mt s ngn hng l thnh vin ca lin minh th VNBC, Smarklink, Banknet.

i vi khch hng doanh nghip, DongA Bank cung cp chng trnh ng dng chi lng in t E-payroll cho php cc cng ty thc hin vic chi lng qua th a nng ng mt cch nhanh chng, t ng v m bo thng tin c bo mt tuyt i do i ng k thut ca Trung tm in ton thit k v trin khai, c cc khch hng kh tnh nht chp nhn. Vi dch v ny, cc doanh nghip hon ton ch ng chi lng cho CBCNV m khng cn n ngn hng vi thao tc n gin, thi gian thc hin nhanh chng, bo mt ti a cc thng tin v lng.

Doanh s chuyn tin i v n, trong v ngoi h thng nm 2012 ca DongA

BN CO BCH


Bank t 682.667 t ng, gim 9,42% so vi nm 2011 vi tng ph t 26,165 t ng. Trong :

Doanh s chuyn tin i v n ngoi h thng nm 2012: 580.081 t ng.

Doanh s chuyn tin trong h thng nm 2012: 102.586 t ng.

Thanh ton quc t

Doanh s thanh ton quc t ca DongA Bank tng trng mnh, t nm 2004 tr li y doanh s lun mc trn 1 t USD/nm. Tuy nhin, do khng hong kinh t ton cu, th trng thng mi quc t st gim mnh nh hng n doanh s thanh ton quc t nm 2012 t 1,82 t USD. Tng ph t 4,92 triu USD, gp phn tng ng k ngun thu dch v cho Ngn hng.

Doanh s thanh ton quc t qua cc nm

Khi chnh thc tham gia mng SWIFT (thng 09/2000), uy tn v dch v thanh ton quc t ca DongA Bank ngy cng tng ln, mng li ngn hng i l m rng. n nay, s lng ti khon ti cc ngn hng nc ngoi ca DongA Bank l 25 ti khon. Mng li ngn hng i l ca DongA Bank nc ngoi gm 1.349 ngn hng, chi nhnh ti 95 quc gia trn th gii. Hin nay, dch v thanh ton quc t ca DongA Bank c trin khai ti hu ht cc chi nhnh trn ton h thng v rt a dng vi cc hnh thc nh th tn dng, nh thu, chuyn tin, bao thanh ton

Trong nm 2011, vi mc tiu chuyn mn ha, gim thiu ri ro v nng cao nng sut lao ng, Khi khch hng Doanh nghip t chc hon thin m hnh x l thanh ton quc t tp trung ti Hi s nhm th hin s chuyn nghip ha trong quy trnh x l nghip v thanh ton quc t, ng nht v nng cao cht lng dch v trong ton h thng DongA Bank, tit gim nhn s ti cc n v kinh doanh. M hnh cng gip cho

698

1.015 1.0951.327

2.039

2.3822.533 2.500

2150

1820

0

500

1.000

1.500

2.000

2.500

3.000

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Triu USD

BN CO BCH


DongA Bank nng cao cng tc gim st v kim sot cht lng hot ng thanh ton quc t.

DongA Bank l mt trong s t cc ngn hng thng mi c phn ca Vit Nam c cc i tc nc ngoi tn nhim v c t l cng in thanh ton t chun cao, nh cc giao dch thanh ton quc t s c thc hin nhanh chng, tit kim thi gian, chi ph v gim thiu ri ro. Nm 2013, DongA Bank tip tc c ngn hng Bank of New York Mellon trao gii thng T l cng in t chun STP (Straight Through Processing) nhm ghi nhn nhng thnh tch xut sc trong hot ng thanh ton quc t.

Trc y, DongA Bank cng c trao tng gii thng uy tn ny t nhiu ngn hng danh ting th gii nh: MellonA (2011), Wells Fargo (2011), Citibank (2011), The Bank of New York (2011, 2010), American Express Bank(2007), Wachovia Bank (2008), Standard Chartered Bank (2009).

Vi nh hng hot ng thanh ton quc t l cnh ca hi nhp hot ng ti chnh tin t ca khu vc v th gii, DongA Bank tp trung m bo hot ng thanh ton quc t tun th cc lut l thng mi, quy tc, tp qun thanh ton quc t.

Kinh doanh ngoi t

Hot ng kinh doanh ngoi t p ng nhu cu ca khch hng trong thanh ton quc t v p ng kp thi cho chi tr kiu hi. Tng doanh s bn cc loi ngoi t quy USD trong nm 2012 t 6.345 triu USD, gim 5,31% so vi nm 2011. Tng doanh s mua cc ngoi t quy USD trong nm 2012 t 6.306 triu USD, gim 6,41% so vi nm 2011. Ngoi hot ng mua bn ngoi t cho c nhn v doanh nghip, DongA Bank trin khai thm kinh doanh ngoi t k hn cho cc loi ngoi t nh USD, AUD, CAD, EUR, GBP, JPY.

CH TIU Nm 2008

Nm 2009

Nm 2010

Nm 2011

Nm 2012

Doanh s mua ngoi t (triu USD)

3.596 6.503 8.358 6.701 6.345

Doanh s bn ngoi t (triu USD)

3.589 6.553 8.354 6.738 6.306

Ngun: DongA Bank

7.1.5 Th thanh ton

S lng th pht hnh

Khi kinh t pht trin, nhu cu thanh ton v phng thc thanh ton khng dng tin mt m ra mt th trng th thanh ton y tim nng ti Vit Nam. DongA Bank l mt trong nhng ngn hng nhanh chng nm bt c hi, pht hnh th thanh ton vi


nhiu dch v khc nhau. sau 10 nm ra mt th tra pht hnh ca DongA Bank

DongA Bank cn lin kt sinh vin, Th a nMua sm, Th nh gio.

B

Nm 2006, DongA Bankt VISA. Ngy 08/08/2008, du vic kt ni h thng thQuc t VISA.

Xc nh Th l mhng mi lc mi ni, DongA Bank ng . c bit, Th ng c cc dchuyn khon trc tip qua ngn chuyn khon ngoi h thmng, mua cc loi th tr tr Internet ph bo him nhn

c bit, cc my ATM ThBanking Center) ca DongA Bank

11.851 81.163

0

1.000.000

2.000.000

3.000.000

4.000.000

5.000.000

6.000.000

7.000.000

8.000.000

2003 2004


khc nhau. Sn phm Th a nng ng c bng Vit Nam t thng 07/2003. Nm 2012, t

DongA Bank hn 6.913.038 th.

a dng cc loi th p ng cho nhiu nhm khch h a nng Richland Hill, Th a nng chng khon, Th

Bng s lng th ghi n ni a pht hnh

DongA Bank chnh thc tr thnh thnh vin cNgy 08/08/2008, DongA Bank ra mt Th tn dng VISA

ng th ng vi h thng th th gii thng qua

t cng c gip khch hng t thc hin nhii, DongA Bank cung cp nhiu dch v thng qua Th ng c cc dch v ni bt nh gi tin trp qua ngn hng in t (SMS/ Internet/ Mobile/ thng thng qua ATM, thanh ton trc tuy tr trc qua ATM, thanh ton t ng tin im nhn th hc ph...

cc my ATM Th k 21 v Trung tm giao dch t a DongA Bank c th thc hin dch v thu i ngo

81.163 403.226

1.030.116

1.754.467

2.510.354

4.010.354

4.710.354

2004 2005 2006 2007 2008 2009 2010

BN CO BCH

46

c pht trin n tng , tng s th ghi n ni

u nhm khch hng nh Th ng khon, Th bc s, Th

pht hnh

nh thnh vin ca T chc Th Quc VISA DongA Bank, nh i thng qua T chc Th

n nhiu giao dch qua ngn thng qua Th a nng n trc tip qua my ATM,

Mobile/ Phone Banking), c tuyn khi mua hng qua n in nc in thoi

ch t ng ABC (Automatic i ngoi t t ng, khch

4.710.354

6.000.000

6.913.038

2010 2011 2012

BN CO BCH


hng c th d dng i ngoi t trc tip trn my m khng cn dng th hoc n ngn hng. Cc my Gold ATM c chc nng bn vng trc tip cho khch hng. Cc dch v hin i nht v chuyn bit ny ca My ATM chnh l thnh qu ca s n lc khng ngng v ng gp ca tr tu Vit Nam nhm pht trin cc ng dng cng ngh tin tin nht phc v ngi dn Vit Nam. DongA Bank u t v lm ch h thng giao dch t ng ATM/POS. i ng chuyn vin ca DongA Bank ph trch cc khu bo hnh chnh v sn sng trin khai cc dch v mi qua my ATM/POS.

Mng li ATM

Tng s my ATM ca DongA Bak tnh n 31/12/2012 khong 1.116 my ATM v 705 my POS.

Nm 2012, DongA Bank ch trng r sot li h thng ATM thu hi cc my ATM khng hiu qu, nng cp bung ATM theo chun mi ton h thng, lp thm my ATM ti nhng bung ATM qu ti (hn 192 giao dch/ngy), nghin cu ci to khng gian giao dch ti bung ATM to s an ton - thun tin v thoi mi cho khch hng, chuyn i v tr t my ATM m bo hiu qu cho ngn hng, ng thi tip tc m rng mng li ATM ph hp vi nh hng kinh doanh pht trin khch hng c nhn ca ngn hng.

Bn cnh vic gia tng s lng ch th, DongA Bank cng khng ngng ci tin dch v hin c v nghin cu gia tng cc dch v tin ch trn th: bo v th qua dch v SMS banking, th nghim thnh cng th t dng cng ngh CHIP, y mnh pht trin cc i tc cung cp dch v thanh ton trc tuyn thng qua ebanking, hon tt hot ng chuyn i m BIN theo quy nh ca NHNN ng thi hn trong nm 2012.

H thng VNBC

Ngay t u, DongA Bank ch trng m rng kt ni h thng thanh ton thng qua vic h tr cc ngn hng xy dng h thng th v sng lp H thng kt ni th VietNam Bank Card (VNBC) t u nm 2005. Ngy 25/10/2008, Cng ty C phn Th Thng minh VINA (VNBC) chnh thc c thnh lp trn tin thn l h thng chuyn mch VNBC nhm cung cp gii php kt ni, cc thit b, dch v cho ngnh ngn hng. Hin nay h thng VNBC l h thng duy nht ti Vit Nam c ngn hng nc ngoi tham gia kt ni (Singapore, Australia). Tng s cc thnh vin kt ni vi h thng VNBC hin nay gm 11 n v.

p ng nhu cu bc thit ca khch hng v ngn hng trong vic kt ni h thng ATM gia cc h thng ngn hng vi nhau, ngy 19/05/2010, Cng ty C phn Th Thng minh VINA (VNBC) v Cng ty C phn Chuyn mch Ti chnh Quc gia Vit Nam (Banknetvn) chnh thc cng b khai trng kt ni hai h thng thanh ton th lin ngn hng li vi nhau. n thng 6/2010, VNBC tip tc thc hin vic kt ni vi h thng Smartlink. T ngy 09/12/2010, VNBC chnh thc kt ni h thng my POS ca


DongA Bank vi cc ngn hny c ngha ht sc quan trkt ni lin thng gia cc hrng khp trn c nc.

7.1.6 Hot ng ca cc cng ty tr

Cng ty TNHH M

Vi phng chm hoa dng, Cng ty Kiu hlnh vc chuyn tin kiu hkiu hi thuc DongA Bank, ln mnh vi hn 200 nh200 quc gia v lnh th. t 1,4 t USD v chim 16

Vi nh hng mchuyn tin a quc gia, cng ty chuyn tin ln th07/2008. Thng qua s hp tc chi c thm mt s la cht hn 150.000 i l ti 180 quKiu hi ng tip tckhai dch v chi tr tin tdch v ca Xpees Money. Xpees Money lquc gia vi 80.000 i l

511622

0

200

400

600

800

1.000

1.200

1.400

1.600

2003 2004

Triu USD


i cc ngn hng thuc h thng ca Banknetvn v Smartlink. c quan trng i vi th trng th thanh ton ca cc h thng thanh ton th v to ra mt m

a cc cng ty trc thuc

Mt thnh vin Kiu hi ng

ng chm hot ng Th tc n gin Chi tr nhanh chng u hi ng tip tc khng nh v tr dn u hi trong nhiu nm lin. Vi xut pht

c DongA Bank, n nay sau hn 10 nm pht trin, Cng ty Kin 200 nhn vin, thit lp mi quan h hp tc v

. Nm 2012, tng doanh s chi tr ca Cng ty Ki16% th phn kiu hi ca c nc.

Doanh s chi tr kiu hi qua cc nm

ng m rng mng li ton cu & tng cng h Cng ty Kiu hi ng chnh thc hp tc v

n th 2 trn th gii trin khai dch v chi tr hp tc chin lc ny, khch hng n vi Cng ty a chn an ton v ng tin cy ngi thn i 180 quc gia v lnh th trn th gii. Thng 07/c hp tc vi Cng ty Chuyn tin ton cu Xpees Money

n tn nh cho cc khch hng gi tin trn ton tha Xpees Money. Xpees Money l cng ty chuyn tin ton c

i l trn ton th gii.

622689

755

1.000

1.181

991

1.200

2004 2005 2006 2007 2008 2009 2010

BN CO BCH

48

Smartlink. Cc s kin thanh ton ca Vit Nam, to ra s

t mng li thanh ton th

nhanh chng Dch v

n u trn th trng trong im ch l mt phng ng ty Kiu hi ng

c vi 80 i tc c mt ng ty Kiu Hi ng

m

ng hp tc vi cc i tc p tc vi MoneyGram

chi tr tin tn nh t thng Cng ty Kiu Hi ng

i thn gi tin v Vit Nam Thng 07/2011, Cng ty u Xpees Money trin

n ton th gii thng qua n cu c mt ti hn 90

1.200

1.5101.400

2010 2011 2012

BN CO BCH


Nm 2012, Cng ty Kiu hi ng pht trin thm 12 i tc mi ti cc th trng kiu hi nh M, Anh, Canada, Australia, Cng Ha Sec, Cng Ha Sip, Nht. Bn cnh , cng ty cn thng xuyn c nhng chng trnh marketing phi hp cng vi i tc tng cng nhn dng thng hiu ca cng ty ti th trng nc ngoi, h tr i tc tip cn vi khch hng Vit Nam mt cch hiu qu nht.

Vi phng chm khch hng l mc tiu phc v trong tm, Cng ty Kiu hi ng lun ci thin v nng cao cht lng dch v chi tr thng qua nhiu bin php ng b. Khch hng ca Cng ty Kiu Hi ng c th nhn tin t nc ngoi chuyn v thng qua 3 hnh thc chnh: nhn tin ti nh, nhn tin ti quy, nhn tin qua th v qua ti khon khc. Vi mng li tri rng 233 im giao dch trn ton quc, lc lng nhn vin chi tr tn nh chuyn nghip, tn tnh ph khp 57 tnh thnh, khch hng c th nhn c tin ti nh mt cch d dng, nhanh chng. Thi gian chi tr c rt ngn, khch hng trong khu vc ni thnh nhn tin trong vng 3 gi thay v 6 gi nh trc y, cc tnh thnh khc thi gian chi tr c gim t 12 gi cn 6 gi. i vi dch v chi tr ti quy, khch hng c th nhn c tin ch trong vng 3 10 pht vi cc th tc cc k nhanh gn. Nm 2011, Cng ty Kiu hi ng m rng dch v chi tr kiu hi vo ti khon ngn hng nhm tng thm s la chn cho khch hng. Cng ty nghin cu v p dng cng ngh k thut hin i nh: tin nhn bo tin trc tip cho khch hng khi c tin chuyn v, ci tin h thng chi tr E-Money vi nhiu tnh nng mi gip rt ngn thi gian x l cng vic. Ngoi ra, Cng ty cng thng xuyn tin hnh kho st kin khch hng kp thi ghi nhn phn hi v gii quyt thc mc cho khch hng.

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