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Thiet ke Bao cao thuong nien - BaoGia Dinh 2007

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Báo Cáo Thường Niên

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  • 1. BAÙO CAÙO THÖÔØNG NIEÂN2007 ANNUAL REPORT
  • 2. PHAÀN I LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 7 1. Nhöõng söï kieän quan troïng 7 2. Quaù trình phaùt trieån 8 3. Ñònh höôùng phaùt trieån 9PHAÀN II BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ 11 1. Nhöõng neùt noåi baät cuûa keát quaû hoaït ñoäng trong naêm 11 2. Tình hình thöïc hieän so vôùi keá hoaïch 11 3. Nhöõng thay ñoåi chuû yeáu trong naêm 11 4. Trieån voïng vaø keá hoaïch trong töông lai 11PHAÀN III BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 12 1. Baùo caùo tình hình taøi chính 12 2. Baùo caùo keát quaû hoaït ñoäng saûn xuaát kinh doanh 12 3. Nhöõng tieán boä Ngaân haøng TMCP Gia Ñònh ñaõ ñaït ñöôïc 13 4. Keá hoaïch phaùt trieån trong töông lai 14PHAÀN IV BAÙO CAÙO TAØI CHÍNH 16PHAÀN V BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 18 1. Kieåm toaùn ñoäc laäp 18 2. Kieåm toaùn noäi boä 19PHAÀN VI TOÅ CHÖÙC VAØ NHAÂN SÖÏ 20PHAÀN VII THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 26 1. Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt 26 2. Caùc döõ lieäu thoáng keâ veà coå ñoâng 30 MAÏNG LÖÔÙI HOAÏT ÑOÄNG 32PART I OPERATIONAL HISTORY OF THE BANK 37 1. Important events 37 2. Development process 38 3. Development orientation 39PART II REPORT OF THE BOARD OF DIRECTORS 41 1. Highlights in 2007 performance 41 2. Performance in comparison with plan targets 41 3. Major changes during the year 41 4. Prospect and plan in the future 41PART III REPORT OF THE GENERAL DIRECTOR 42 1. Financial position 42 2. Business performance 42 3. Achievements of Gia Dinh Bank 43 4. Business plan developing in the future 44PART IV FINANCIAL STATEMENTS 46PART V NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 48 1. Independent auditor’s report 48 2. Internal auditor’s report 49PART VI ORGANIZATION AND HUMAN RESOURCE 50PART VII INFOMATION ON SHAREHOLDERS AND BANK MANAGEMENT 56 1. The Board of Directors and the Supervisory Board 56 2. Statistics data on shareholders 60 OPERATION NETWORK (AS OF MARCH 2008) 62
  • 3. PHAÀN I LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 7 1. Nhöõng söï kieän quan troïng 7 2. Quaù trình phaùt trieån 8 3. Ñònh höôùng phaùt trieån 9PHAÀN II BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ 11 1. Nhöõng neùt noåi baät cuûa keát quaû hoaït ñoäng trong naêm 11 2. Tình hình thöïc hieän so vôùi keá hoaïch 11 3. Nhöõng thay ñoåi chuû yeáu trong naêm 11 4. Trieån voïng vaø keá hoaïch trong töông lai 11PHAÀN III BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 12 1. Baùo caùo tình hình taøi chính 12 2. Baùo caùo keát quaû hoaït ñoäng saûn xuaát kinh doanh 12 3. Nhöõng tieán boä Ngaân haøng TMCP Gia Ñònh ñaõ ñaït ñöôïc 13 4. Keá hoaïch phaùt trieån trong töông lai 14PHAÀN IV BAÙO CAÙO TAØI CHÍNH 16PHAÀN V BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 18 1. Kieåm toaùn ñoäc laäp 18 2. Kieåm toaùn noäi boä 19PHAÀN VI TOÅ CHÖÙC VAØ NHAÂN SÖÏ 20PHAÀN VII THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 26 1. Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt 26 2. Caùc döõ lieäu thoáng keâ veà coå ñoâng 30 MAÏNG LÖÔÙI HOAÏT ÑOÄNG 32PART I OPERATIONAL HISTORY OF THE BANK 37 1. Important events 37 2. Development process 38 3. Development orientation 39PART II REPORT OF THE BOARD OF DIRECTORS 41 1. Highlights in 2007 performance 41 2. Performance in comparison with plan targets 41 3. Major changes during the year 41 4. Prospect and plan in the future 41PART III REPORT OF THE GENERAL DIRECTOR 42 1. Financial position 42 2. Business performance 42 3. Achievements of Gia Dinh Bank 43 4. Business plan developing in the future 44PART IV FINANCIAL STATEMENTS 46PART V NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 48 1. Independent auditor’s report 48 2. Internal auditor’s report 49PART VI ORGANIZATION AND HUMAN RESOURCE 50PART VII INFOMATION ON SHAREHOLDERS AND BANK MANAGEMENT 56 1. The Board of Directors and the Supervisory Board 56 2. Statistics data on shareholders 60 OPERATION NETWORK (AS OF MARCH 2008) 62
  • 4. THOÂNG ÑIEÄP CUÛA CHUÛ TÒCH HOÄI ÑOÀNG QUAÛN TRÒ Söùc soáng cho haønh trình môùi Kính thöa quyù vò! Toâi raát vui möøng vaø cuøng chia seû vôùi quyù coå ñoâng veà nhöõng thaønh coâng maø Ngaân haøng thöông maïi coå phaàn Gia Ñònh (Gia Ñònh Ngaân haøng) ñaõ ñaït ñöôïc trong naêm 2007. Ñoái vôùi hoaït ñoäng kinh doanh, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát caùc chæ tieâu do Ñaïi hoäi ñoàng coå ñoâng ñeà ra vôùi keát quaû sau cuøng laø vöôït möùc keá hoaïch lôïi nhuaän tröôùc thueá. Vaø cuõng trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ toå chöùc kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), taïo theâm cô sôû vöõng chaéc cho söï phaùt trieån cuûa Gia Ñònh Ngaân haøng. Nhieäm vuï ñaët ra trong naêm 2008 laø heát söùc naëng neà nhöng vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, caùn boä nhaân vieân cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa coå ñoâng chieán löôïc, Gia Ñònh Ngaân haøng seõ phaùt trieån thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam. Trong naêm 2008 vaø nhöõng naêm tieáp theo, Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån coù ñònh höôùng, luoân taïo moâi tröôøng laøm vieäc thuaän lôïi, chuù troïng caûi tieán heä thoáng quaûn lyù Ngaân haøng töøng böôùc theo tieâu chuaån ISO vaø xaây döïng thöông hieäu maïnh GiaDinhBank. Ñeå ñaït nhöõng muïc tieâu treân, Hoäi Ñoàng Quaûn Trò luoân coù söï quan taâm, chæ ñaïo saâu saùt cuøng vôùi Ban Ñieàu haønh trong hoaït ñoäng cuûa ngaân haøng, thöïc hieän toát caùc nghò quyeát Ñaïi hoäi coå ñoâng ñeà ra. Thay maët Hoäi Ñoàng Quaûn Trò, toâi xin chaân thaønh caûm ôn söï quan taâm vaø hoã trôï cuûa Laõnh ñaïo Ngaân haøng Nhaø nöôùc, Laõnh ñaïo chính quyeàn caùc caáp, söï ñoùng goùp vaø uûng hoä voâ cuøng quyù baùu cuûa quyù coå ñoâng, ñaëc bieät laø söï tín nhieäm cuûa quyù khaùch haøng ñaõ coäng taùc vaø gaén boù vôùi Gia Ñònh Ngaân haøng hôn 15 naêm qua. Ñaây chính laø nhöõng ñoäng löïc vaø nieàm tin ñeå Gia Ñònh Ngaân haøng vöõng vaøng tieáp böôùc haønh trình môùi. Do ñoù, trong thôøi gian tôùi, chaéc chaén chuùng toâi raát caàn ñeán söï uûng hoä, giuùp ñôõ nhieàu hôn nöõa cuûa quyù vò ñeå ñöa Gia Ñònh Ngaân haøng nhanh choùng phaùt trieån thaønh moät trong nhöõng ngaân haøng coù khaû naêng caïnh tranh cao taïi Vieät Nam. Ngoaøi ra, toâi cuõng xin caûm ôn söï gaén boù vaø noã löïc trong coâng vieäc cuûa caùn boä coâng nhaân vieân Gia Ñònh Ngaân haøng trong nhöõng naêm qua vaø nhaát laø trong naêm 2007. CHUÛ TÒCH HÑQT OÂng NGUYEÃN VAÊN SEÕ4 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 5
  • 5. THOÂNG ÑIEÄP CUÛA CHUÛ TÒCH HOÄI ÑOÀNG QUAÛN TRÒ Söùc soáng cho haønh trình môùi Kính thöa quyù vò! Toâi raát vui möøng vaø cuøng chia seû vôùi quyù coå ñoâng veà nhöõng thaønh coâng maø Ngaân haøng thöông maïi coå phaàn Gia Ñònh (Gia Ñònh Ngaân haøng) ñaõ ñaït ñöôïc trong naêm 2007. Ñoái vôùi hoaït ñoäng kinh doanh, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát caùc chæ tieâu do Ñaïi hoäi ñoàng coå ñoâng ñeà ra vôùi keát quaû sau cuøng laø vöôït möùc keá hoaïch lôïi nhuaän tröôùc thueá. Vaø cuõng trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ toå chöùc kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), taïo theâm cô sôû vöõng chaéc cho söï phaùt trieån cuûa Gia Ñònh Ngaân haøng. Nhieäm vuï ñaët ra trong naêm 2008 laø heát söùc naëng neà nhöng vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, caùn boä nhaân vieân cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa coå ñoâng chieán löôïc, Gia Ñònh Ngaân haøng seõ phaùt trieån thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam. Trong naêm 2008 vaø nhöõng naêm tieáp theo, Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån coù ñònh höôùng, luoân taïo moâi tröôøng laøm vieäc thuaän lôïi, chuù troïng caûi tieán heä thoáng quaûn lyù Ngaân haøng töøng böôùc theo tieâu chuaån ISO vaø xaây döïng thöông hieäu maïnh GiaDinhBank. Ñeå ñaït nhöõng muïc tieâu treân, Hoäi Ñoàng Quaûn Trò luoân coù söï quan taâm, chæ ñaïo saâu saùt cuøng vôùi Ban Ñieàu haønh trong hoaït ñoäng cuûa ngaân haøng, thöïc hieän toát caùc nghò quyeát Ñaïi hoäi coå ñoâng ñeà ra. Thay maët Hoäi Ñoàng Quaûn Trò, toâi xin chaân thaønh caûm ôn söï quan taâm vaø hoã trôï cuûa Laõnh ñaïo Ngaân haøng Nhaø nöôùc, Laõnh ñaïo chính quyeàn caùc caáp, söï ñoùng goùp vaø uûng hoä voâ cuøng quyù baùu cuûa quyù coå ñoâng, ñaëc bieät laø söï tín nhieäm cuûa quyù khaùch haøng ñaõ coäng taùc vaø gaén boù vôùi Gia Ñònh Ngaân haøng hôn 15 naêm qua. Ñaây chính laø nhöõng ñoäng löïc vaø nieàm tin ñeå Gia Ñònh Ngaân haøng vöõng vaøng tieáp böôùc haønh trình môùi. Do ñoù, trong thôøi gian tôùi, chaéc chaén chuùng toâi raát caàn ñeán söï uûng hoä, giuùp ñôõ nhieàu hôn nöõa cuûa quyù vò ñeå ñöa Gia Ñònh Ngaân haøng nhanh choùng phaùt trieån thaønh moät trong nhöõng ngaân haøng coù khaû naêng caïnh tranh cao taïi Vieät Nam. Ngoaøi ra, toâi cuõng xin caûm ôn söï gaén boù vaø noã löïc trong coâng vieäc cuûa caùn boä coâng nhaân vieân Gia Ñònh Ngaân haøng trong nhöõng naêm qua vaø nhaát laø trong naêm 2007. CHUÛ TÒCH HÑQT OÂng NGUYEÃN VAÊN SEÕ4 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 5
  • 6. PHAÀN I LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 1. NHÖÕNG SÖÏ KIEÄN QUAN TROÏNG 1.1 Vieäc thaønh laäp Ngaân haøng thöông maïi coå phaàn Gia Ñònh (döôùi ñaây ñöôïc goïi laø Gia Ñònh Ngaân haøng) ñöôïc thaønh laäp vaø hoaït ñoäng theo giaáy pheùp soá 0025/NH-GP ngaøy 22/08/1992 do Thoáng ñoác Ngaân haøng Nhaø nöôùc caáp, giaáy pheùp soá 576/GP-UB ngaøy 08/10/1992 do UÛy Ban Nhaân Daân TP. HCM caáp. 1.2 Caùc söï kieän khaùc Thaùng 5/1994: Taïi Gia Ñònh Ngaân haøng xaûy ra vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn”, moät soá nhaân vaät chuû choát trong HÑQT, Ban TGÑ cuõ bò khôûi toá vaø baét giam do vi phaïm phaùp luaät veà quaûn lyù, ñieàu haønh hoaït ñoäng ngaân haøng, ñaåy Gia Ñònh Ngaân haøng ñöùng tröôùc nguy cô phaù saûn vôùi toån thaát taøi chính treân 63 tyû ñoàng cuøng nhieàu khoù khaên lôùn khaùc phaûi ñoái maët nhö Voán ñieàu leä chæ coù 20,104 tyû ñoàng nhöng voán khoáng ñaõ laø 19,644 tyû ñoàng, soá voán coøn laïi cuõng khoâng coøn do toån thaát quaù lôùn, dö nôï tín duïng khoáng chieám treân 95%, quyõ tieàn maët khoâng coøn, caùc truï sôû hoaït ñoäng ñeàu ñi thueâ, aùp löïc ruùt tieàn oà aït cuûa daân, nhaân vieân xin nghæ vieäc. Thaùng 8/1994: Ban Laõnh ñaïo môùi (laø caùc caùn boä coù chuyeân moân cao ñöôïc ñieàu ñoäng töø caùc Ngaân haøng thöông maïi treân ñòa baøn TP. HCM) chính thöùc tieáp quaûn Gia Ñònh Ngaân haøng vôùi nhieäm vuï heát söùc naëng neà laø vöøa phaûi giaûi quyeát haäu quaû cuûa vuï aùn ñeå laïi, vöøa phaûi ñaûm baûo oån ñònh vaø phaùt trieån hoaït ñoäng Ngaân haøng. Naêm 1994 - 2004: Thôøi kyø 10 naêm kieän toaøn cuûng coá hoaït ñoäng. Ñöôïc söï chæ ñaïo kòp thôøi cuûa Thaønh UÛy, UBND TP.HCM vaø Ngaân haøng Nhaø nöôùc cho pheùp aùp duïng moät soá bieän phaùp tình theá, trong ñoù coù khoaûn vay ñaëc bieät cuûa NHNN 26 tyû ñoàng cuøng söï hoã trôï cuûa 16 Ngaân haøng thöông maïi goùp voán coå phaàn 25,5 tyû ñoàng vaø söï noã löïc heát mình cuûa taäp theå Ban Laõnh ñaïo môùi, CBNV ñaõ töøng böôùc ñöa Gia Ñònh Ngaân haøng vöôït qua ñöôïc khoù khaên, oån ñònh hoaït ñoäng cho tôùi ngaøy hoâm nay. Naêm 2005: Naêm baûn leà, vôùi voán ñieàu leä laø 80 tyû ñoàng ñaõ ñaùnh daáu moät coät moác quan troïng cho söï tröôûng thaønh cuûa Gia Ñònh Ngaân haøng: voán ñieàu leä khoáng ñöôïc xoùa, voán ñieàu leä hieän höõu cao hôn möùc voán phaùp ñònh theo qui ñònh cuûa Nhaø nöôùc. Naêm 2006: Baét ñaàu phaùt trieån ° Taêng voán ñieàu leä leân 210 tyû ñoàng ° Xoùa toaøn boä maát caân ñoái vaø laàn ñaàu tieân Gia Ñònh Ngaân haøng chia coå töùc 7% ° Khaùnh thaønh truï sôû chính taïi 135 Phan Ñaêng Löu, Q. PN, TP. HCM ° Ñöôïc xeáp haïng 19/29 Ngaân haøng thöông maïi treân caû nöôùc veà möùc ñoä saün saøng cho phaùt trieån vaø öùng duïng coâng ngheä thoâng tin do Hoäi Tin hoïc Vieät Nam baàu choïn. Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán Naêm 2007: Tieáp tuïc phaùt trieån coù ñònh höôùng ° Taêng Voán ñieàu leä leân 444,623 tyû ñoàng löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam ° Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), theo ñoù (Vietcombank), theo ñoù VietcomBank luoân duy VietcomBank luoân duy trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân haøng thöông trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân ° Môû roäng maïng löôùi hoaït ñoäng taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân. haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän ° Ñöôïc Hieäp hoäi Doanh nghieäp nhoû vaø vöøa Vieät Nam, Lieân minh caùc HTX Vieät Nam, Hoäi Khoa hoïc Ñoâng Nam AÙ nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân phoái hôïp vôùi maët traän toå quoác Vieät Nam trao taëng “Cuùp vaøng thöông hieäu vaø nhaõn hieäu” laàn 2 naêm 2007. haøng thöông maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam.6 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 7
  • 7. PHAÀN I LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 1. NHÖÕNG SÖÏ KIEÄN QUAN TROÏNG 1.1 Vieäc thaønh laäp Ngaân haøng thöông maïi coå phaàn Gia Ñònh (döôùi ñaây ñöôïc goïi laø Gia Ñònh Ngaân haøng) ñöôïc thaønh laäp vaø hoaït ñoäng theo giaáy pheùp soá 0025/NH-GP ngaøy 22/08/1992 do Thoáng ñoác Ngaân haøng Nhaø nöôùc caáp, giaáy pheùp soá 576/GP-UB ngaøy 08/10/1992 do UÛy Ban Nhaân Daân TP. HCM caáp. 1.2 Caùc söï kieän khaùc Thaùng 5/1994: Taïi Gia Ñònh Ngaân haøng xaûy ra vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn”, moät soá nhaân vaät chuû choát trong HÑQT, Ban TGÑ cuõ bò khôûi toá vaø baét giam do vi phaïm phaùp luaät veà quaûn lyù, ñieàu haønh hoaït ñoäng ngaân haøng, ñaåy Gia Ñònh Ngaân haøng ñöùng tröôùc nguy cô phaù saûn vôùi toån thaát taøi chính treân 63 tyû ñoàng cuøng nhieàu khoù khaên lôùn khaùc phaûi ñoái maët nhö Voán ñieàu leä chæ coù 20,104 tyû ñoàng nhöng voán khoáng ñaõ laø 19,644 tyû ñoàng, soá voán coøn laïi cuõng khoâng coøn do toån thaát quaù lôùn, dö nôï tín duïng khoáng chieám treân 95%, quyõ tieàn maët khoâng coøn, caùc truï sôû hoaït ñoäng ñeàu ñi thueâ, aùp löïc ruùt tieàn oà aït cuûa daân, nhaân vieân xin nghæ vieäc. Thaùng 8/1994: Ban Laõnh ñaïo môùi (laø caùc caùn boä coù chuyeân moân cao ñöôïc ñieàu ñoäng töø caùc Ngaân haøng thöông maïi treân ñòa baøn TP. HCM) chính thöùc tieáp quaûn Gia Ñònh Ngaân haøng vôùi nhieäm vuï heát söùc naëng neà laø vöøa phaûi giaûi quyeát haäu quaû cuûa vuï aùn ñeå laïi, vöøa phaûi ñaûm baûo oån ñònh vaø phaùt trieån hoaït ñoäng Ngaân haøng. Naêm 1994 - 2004: Thôøi kyø 10 naêm kieän toaøn cuûng coá hoaït ñoäng. Ñöôïc söï chæ ñaïo kòp thôøi cuûa Thaønh UÛy, UBND TP.HCM vaø Ngaân haøng Nhaø nöôùc cho pheùp aùp duïng moät soá bieän phaùp tình theá, trong ñoù coù khoaûn vay ñaëc bieät cuûa NHNN 26 tyû ñoàng cuøng söï hoã trôï cuûa 16 Ngaân haøng thöông maïi goùp voán coå phaàn 25,5 tyû ñoàng vaø söï noã löïc heát mình cuûa taäp theå Ban Laõnh ñaïo môùi, CBNV ñaõ töøng böôùc ñöa Gia Ñònh Ngaân haøng vöôït qua ñöôïc khoù khaên, oån ñònh hoaït ñoäng cho tôùi ngaøy hoâm nay. Naêm 2005: Naêm baûn leà, vôùi voán ñieàu leä laø 80 tyû ñoàng ñaõ ñaùnh daáu moät coät moác quan troïng cho söï tröôûng thaønh cuûa Gia Ñònh Ngaân haøng: voán ñieàu leä khoáng ñöôïc xoùa, voán ñieàu leä hieän höõu cao hôn möùc voán phaùp ñònh theo qui ñònh cuûa Nhaø nöôùc. Naêm 2006: Baét ñaàu phaùt trieån ° Taêng voán ñieàu leä leân 210 tyû ñoàng ° Xoùa toaøn boä maát caân ñoái vaø laàn ñaàu tieân Gia Ñònh Ngaân haøng chia coå töùc 7% ° Khaùnh thaønh truï sôû chính taïi 135 Phan Ñaêng Löu, Q. PN, TP. HCM ° Ñöôïc xeáp haïng 19/29 Ngaân haøng thöông maïi treân caû nöôùc veà möùc ñoä saün saøng cho phaùt trieån vaø öùng duïng coâng ngheä thoâng tin do Hoäi Tin hoïc Vieät Nam baàu choïn. Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán Naêm 2007: Tieáp tuïc phaùt trieån coù ñònh höôùng ° Taêng Voán ñieàu leä leân 444,623 tyû ñoàng löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam ° Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), theo ñoù (Vietcombank), theo ñoù VietcomBank luoân duy VietcomBank luoân duy trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân haøng thöông trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân ° Môû roäng maïng löôùi hoaït ñoäng taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân. haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän ° Ñöôïc Hieäp hoäi Doanh nghieäp nhoû vaø vöøa Vieät Nam, Lieân minh caùc HTX Vieät Nam, Hoäi Khoa hoïc Ñoâng Nam AÙ nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân phoái hôïp vôùi maët traän toå quoác Vieät Nam trao taëng “Cuùp vaøng thöông hieäu vaø nhaõn hieäu” laàn 2 naêm 2007. haøng thöông maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam.6 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 7
  • 8. ° Ñöôïc Hieäp hoäi Ngaân haøng Vieät Nam taëng giaáy khen naêm 2007. ° Ñöôïc Vieän quaûn lyù tri thöùc vaø coâng ngheä, Trung taâm nghieân cöùu Chaâu AÙ Thaùi Bình Döông, Toøa soaïn thoâng tin QCA LÔÏI NHUAÄN Thöông maïi chöùng nhaän danh hieäu doanh nghieäp Vieät Nam uy tín, chaát löôïng 2007. Trieäu ñoàng ° Gia Ñònh Ngaân haøng töï ñaùnh giaù xeáp loaïi A theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc. 215783 2. QUAÙ TRÌNH PHAÙT TRIEÅN 2.1 Ngaønh ngheà kinh doanh Huy ñoäng voán ngaén haïn, trung haïn, daøi haïn döôùi caùc hình thöùc tieàn göûi coù kyø haïn, khoâng kyø haïn, chöùng chæ tieàn göûi; tieáp nhaän voán ñaàu tö vaø phaùt trieån; vay voán caùc toå chöùc tín duïng khaùc; cho vay ngaén haïn, trung haïn, daøi haïn; 114751 chieát khaáu thöông phieáu, traùi phieáu vaø giaáy tôø coù giaù; huøn voán vaø lieân doanh theo phaùp luaät hieän haønh; laøm dòch 117239 vuï thanh toaùn giöõa caùc khaùch haøng; kinh doanh ngoaïi teä, vaøng baïc; thanh toaùn quoác teá; huy ñoäng caùc loaïi voán töø nöôùc ngoaøi vaø caùc dòch vuï ngaân haøng khaùc trong quan heä vôùi nöôùc ngoaøi khi ñöôïc Ngaân haøng Nhaø nöôùc cho pheùp. Dòch vuï caàm ñoà. 63565 51210 2.2 Tình hình hoaït ñoäng Trong suoát 15 naêm hình thaønh vaø phaùt trieån, ñieàu ñaùng ghi nhaän laø Gia Ñònh Ngaân haøng vöøa hoaøn toaøn khaéc phuïc 42103 ñöôïc nhöõng haäu quaû töø vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn” vöøa töøng böôùc oån ñònh hoaït ñoäng vaø phaùt trieån. Ñieàu naøy ñöôïc theå hieän baèng caùc chæ soá taøi chính cuûa Gia Ñònh Ngaân haøng qua caùc naêm nhö sau: 2005 2006 2007 TOÅNG TAØI SAÛN VOÁN ÑIEÀU LEÄ Thu nhaäp giai ñoaïn 2005-2007 Trieäu ñoàng Trieäu ñoàng Chi phí giai ñoaïn 2005-2007 2500000 500000 450000 444623 3. ÑÒNH HÖÔÙNG PHAÙT TRIEÅN 2036415 2000000 400000 3.1 Caùc muïc tieâu chuû yeáu cuûa naêm 2008 350000 Toác ñoä taêng so vôùi naêm 2007 - Toång taøi saûn : 3.110 tyû ñoàng 53% 1500000 300000 - Voán huy ñoäng : 1.920 tyû ñoàng 53% 250000 - Dö nôï tín duïng : 1.800 tyû ñoàng 71% 210000 1000000 200000 (Möùc dö nôï tín duïng thöïc teá coù theå ñöôïc ñieàu chænh cho phuø hôïp vôùi qui 783873 ñònh cuûa Ngaân haøng Nhaø nöôùc). 150000 - Keát quaû kinh doanh: 502687 500000 100000 80000 + Toång thu nhaäp : 326,8 tyû ñoàng 51% 50000 + Toång chi phí : 229,8 tyû ñoàng 100% + Lôïi nhuaän tröôùc thueá: 97,0 tyû ñoàng 130% 0 0 - Soá löôïng nhaân vieân : 490 göôøi n 127% Naêm 2005 Naêm 2006 Naêm 2007 Naêm 2005 Naêm 2006 Naêm 2007 3.2 Chieán löôïc phaùt trieån trung vaø daøi haïn Vôùi lôïi theá coù caùc coå ñoâng phaùp nhaân laø caùc Ngaân haøng thöông maïi, ñaëc bieät coù coå ñoâng chieán löôïc laø Vietcombank cam keát hoã trôï thieát thöïc vaø laâu HUY ÑOÄNG VOÁN DÖ NÔÏ TÍN DUÏNG daøi, Gia Ñònh Ngaân haøng ñònh höôùng chieán löôïc phaùt trieån thaønh moät Ngaân Trieäu ñoàng Trieäu ñoàng haøng baùn leû vôùi maïng löôùi roäng khaép, phaùt trieån saûn phaåm, dòch vuï vaø cung caáp nhieàu tieän ích Ngaân haøng döïa treân neàn taûng öùng duïng coâng ngheä thoâng 1400000 1200000 tin tieân tieán. Ñaûm baûo taêng tröôûng nhanh nhöng vaãn trong taàm kieåm soaùt 1257161 1051172 vôùi ñoäi nguõ caùn boä coù ñaïo ñöùc, ñuû naêng löïc hieåu vaø thöïc thi chieán löôïc, keá 1200000 1000000 hoaïch kinh doanh moät caùch toát nhaát. 1000000 Vôùi ñònh höôùng chieán löôïc taêng tröôûng cao coù söï tham gia goùp voán cuûa 800000 nhaø ñaàu tö chieán löôïc Ngaân haøng Ngoaïi thöông Vieät Nam, hieäu quaû hoaït 800000 ñoäng kinh doanh cuûa Gia Ñònh Ngaân haøng ñeán naêm 2010 döï kieán ñaït ñöôïc 600000 nhö sau: 521006 600000 533490 390211 + Voán ñieàu leä : 4.000 tyû ñoàng 389470 400000 400000 + Toång taøi saûn : 19.500 tyû ñoàng 200000 200000 + Voán huy ñoäng : 15.000 tyû ñoàng + Dö nôï tín duïng : 12.000 tyû ñoàng 0 0 Naêm 2005 Naêm 2006 Naêm 2007 Naêm 2005 Naêm 2006 Naêm 20078 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 9
  • 9. ° Ñöôïc Hieäp hoäi Ngaân haøng Vieät Nam taëng giaáy khen naêm 2007. ° Ñöôïc Vieän quaûn lyù tri thöùc vaø coâng ngheä, Trung taâm nghieân cöùu Chaâu AÙ Thaùi Bình Döông, Toøa soaïn thoâng tin QCA LÔÏI NHUAÄN Thöông maïi chöùng nhaän danh hieäu doanh nghieäp Vieät Nam uy tín, chaát löôïng 2007. Trieäu ñoàng ° Gia Ñònh Ngaân haøng töï ñaùnh giaù xeáp loaïi A theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc. 215783 2. QUAÙ TRÌNH PHAÙT TRIEÅN 2.1 Ngaønh ngheà kinh doanh Huy ñoäng voán ngaén haïn, trung haïn, daøi haïn döôùi caùc hình thöùc tieàn göûi coù kyø haïn, khoâng kyø haïn, chöùng chæ tieàn göûi; tieáp nhaän voán ñaàu tö vaø phaùt trieån; vay voán caùc toå chöùc tín duïng khaùc; cho vay ngaén haïn, trung haïn, daøi haïn; 114751 chieát khaáu thöông phieáu, traùi phieáu vaø giaáy tôø coù giaù; huøn voán vaø lieân doanh theo phaùp luaät hieän haønh; laøm dòch 117239 vuï thanh toaùn giöõa caùc khaùch haøng; kinh doanh ngoaïi teä, vaøng baïc; thanh toaùn quoác teá; huy ñoäng caùc loaïi voán töø nöôùc ngoaøi vaø caùc dòch vuï ngaân haøng khaùc trong quan heä vôùi nöôùc ngoaøi khi ñöôïc Ngaân haøng Nhaø nöôùc cho pheùp. Dòch vuï caàm ñoà. 63565 51210 2.2 Tình hình hoaït ñoäng Trong suoát 15 naêm hình thaønh vaø phaùt trieån, ñieàu ñaùng ghi nhaän laø Gia Ñònh Ngaân haøng vöøa hoaøn toaøn khaéc phuïc 42103 ñöôïc nhöõng haäu quaû töø vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn” vöøa töøng böôùc oån ñònh hoaït ñoäng vaø phaùt trieån. Ñieàu naøy ñöôïc theå hieän baèng caùc chæ soá taøi chính cuûa Gia Ñònh Ngaân haøng qua caùc naêm nhö sau: 2005 2006 2007 TOÅNG TAØI SAÛN VOÁN ÑIEÀU LEÄ Thu nhaäp giai ñoaïn 2005-2007 Trieäu ñoàng Trieäu ñoàng Chi phí giai ñoaïn 2005-2007 2500000 500000 450000 444623 3. ÑÒNH HÖÔÙNG PHAÙT TRIEÅN 2036415 2000000 400000 3.1 Caùc muïc tieâu chuû yeáu cuûa naêm 2008 350000 Toác ñoä taêng so vôùi naêm 2007 - Toång taøi saûn : 3.110 tyû ñoàng 53% 1500000 300000 - Voán huy ñoäng : 1.920 tyû ñoàng 53% 250000 - Dö nôï tín duïng : 1.800 tyû ñoàng 71% 210000 1000000 200000 (Möùc dö nôï tín duïng thöïc teá coù theå ñöôïc ñieàu chænh cho phuø hôïp vôùi qui 783873 ñònh cuûa Ngaân haøng Nhaø nöôùc). 150000 - Keát quaû kinh doanh: 502687 500000 100000 80000 + Toång thu nhaäp : 326,8 tyû ñoàng 51% 50000 + Toång chi phí : 229,8 tyû ñoàng 100% + Lôïi nhuaän tröôùc thueá: 97,0 tyû ñoàng 130% 0 0 - Soá löôïng nhaân vieân : 490 göôøi n 127% Naêm 2005 Naêm 2006 Naêm 2007 Naêm 2005 Naêm 2006 Naêm 2007 3.2 Chieán löôïc phaùt trieån trung vaø daøi haïn Vôùi lôïi theá coù caùc coå ñoâng phaùp nhaân laø caùc Ngaân haøng thöông maïi, ñaëc bieät coù coå ñoâng chieán löôïc laø Vietcombank cam keát hoã trôï thieát thöïc vaø laâu HUY ÑOÄNG VOÁN DÖ NÔÏ TÍN DUÏNG daøi, Gia Ñònh Ngaân haøng ñònh höôùng chieán löôïc phaùt trieån thaønh moät Ngaân Trieäu ñoàng Trieäu ñoàng haøng baùn leû vôùi maïng löôùi roäng khaép, phaùt trieån saûn phaåm, dòch vuï vaø cung caáp nhieàu tieän ích Ngaân haøng döïa treân neàn taûng öùng duïng coâng ngheä thoâng 1400000 1200000 tin tieân tieán. Ñaûm baûo taêng tröôûng nhanh nhöng vaãn trong taàm kieåm soaùt 1257161 1051172 vôùi ñoäi nguõ caùn boä coù ñaïo ñöùc, ñuû naêng löïc hieåu vaø thöïc thi chieán löôïc, keá 1200000 1000000 hoaïch kinh doanh moät caùch toát nhaát. 1000000 Vôùi ñònh höôùng chieán löôïc taêng tröôûng cao coù söï tham gia goùp voán cuûa 800000 nhaø ñaàu tö chieán löôïc Ngaân haøng Ngoaïi thöông Vieät Nam, hieäu quaû hoaït 800000 ñoäng kinh doanh cuûa Gia Ñònh Ngaân haøng ñeán naêm 2010 döï kieán ñaït ñöôïc 600000 nhö sau: 521006 600000 533490 390211 + Voán ñieàu leä : 4.000 tyû ñoàng 389470 400000 400000 + Toång taøi saûn : 19.500 tyû ñoàng 200000 200000 + Voán huy ñoäng : 15.000 tyû ñoàng + Dö nôï tín duïng : 12.000 tyû ñoàng 0 0 Naêm 2005 Naêm 2006 Naêm 2007 Naêm 2005 Naêm 2006 Naêm 20078 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 9
  • 10. PHAÀN II BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ Phieân hoïp ñònh kyø cuûa HÑQT 1. NHÖÕNG NEÙT NOÅI BAÄT CUÛA KEÁT QUAÛ HOAÏT ÑOÄNG KINH DOANH TRONG NAÊM Naêm 2007 Gia Ñònh Ngaân haøng ñaït ñöôïc keát quaû khaû quan nhö sau: Ñôn vò : trieäu ñoàng Chæ tieâu naêm 2006 naêm 2007 % taêng tröôûng Toång taøi saûn 783.873 2.036.415 160 Dö nôï 521.006 1.051.172 102 Huy ñoäng 533.490 1.257.161 136 Lôïi nhuaän tröôùc thueá 19.323 101.03 423 Maïng löôùi 05 ñôn vò 20 ñôn vò 300 2. TÌNH HÌNH THÖÏC HIEÄN SO VÔÙI KEÁ HOAÏCH Ñôn vò : trieäu ñoàng Chæ tieâu Keá hoaïch Thöïc hieän So vôùi keá hoaïch (%) Toång taøi saûn - 2.036.415 - Voán huy ñoäng 586.000 1.257.161 215 Dö nôï tín duïng 782.000 1.051.172 134 Lôïi nhuaän tröôùc thueá - 101.032 - - Töø hoaït ñoäng kinh doanh 42.000 42.202 100,5 - Töø baùn ñaát Vuõng Taøu - 58.830 - 3 NHÖÕNG THAY ÑOÅI CHUÛ YEÁU TRONG NAÊM Trong xu theá chung caùc toå chöùc, taäp ñoaøn kinh teá caàn coù söï lieân keát, hôïp taùc ñeå phaùt trieån. Nhaän thöùc ñöôïc vaán ñeà naøy, Hoäi Ñoàng Quaûn Trò ñaõ thoáng nhaát trình vaø ñaõ ñöôïc Ñaïi hoäi coå ñoâng Gia Ñònh Ngaân haøng thoâng qua vieäc löïa choïn Vietcombank laø coå ñoâng chieán löôïc duy nhaát vôùi soá voán goùp duy trì ôû möùc 30%/toång soá voán ñieàu leä cuûa Gia Ñònh Ngaân haøng cuøng nhöõng cam keát hoã trôï thieát thöïc vaø laâu daøi, tröôùc maét ñaõ cöû 03 thaønh vieân tham gia Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt nhaèm boå sung vaø taêng cöôøng söùc maïnh cho Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt. 4. TRIEÅN VOÏNG VAØ KEÁ HOAÏCH TRONG TÖÔNG LAI Vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, CBCNV cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa Vietcombank – Coå ñoâng chieán löôïc vaø vieäc chuù troïng caûi tieán heä thoáng quaûn lyù, hoaït ñoäng Ngaân haøng theo tieâu chuaån ISO, Gia Ñònh Ngaân haøng chaéc chaén phaùt trieån nhanh trôû thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam trong töông lai gaàn. Hoäi Ñoàng Quaûn Trò luoân keà vai saùt caùnh vôùi Ban Ñieàu haønh ñeå thöïc thi toát nhaát ñònh höôùng chieán löôïc ñeà ra nhaèm xaây döïng thöông hieäu maïnh GiaDinhBank.10 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 11
  • 11. PHAÀN II BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ Phieân hoïp ñònh kyø cuûa HÑQT 1. NHÖÕNG NEÙT NOÅI BAÄT CUÛA KEÁT QUAÛ HOAÏT ÑOÄNG KINH DOANH TRONG NAÊM Naêm 2007 Gia Ñònh Ngaân haøng ñaït ñöôïc keát quaû khaû quan nhö sau: Ñôn vò : trieäu ñoàng Chæ tieâu naêm 2006 naêm 2007 % taêng tröôûng Toång taøi saûn 783.873 2.036.415 160 Dö nôï 521.006 1.051.172 102 Huy ñoäng 533.490 1.257.161 136 Lôïi nhuaän tröôùc thueá 19.323 101.03 423 Maïng löôùi 05 ñôn vò 20 ñôn vò 300 2. TÌNH HÌNH THÖÏC HIEÄN SO VÔÙI KEÁ HOAÏCH Ñôn vò : trieäu ñoàng Chæ tieâu Keá hoaïch Thöïc hieän So vôùi keá hoaïch (%) Toång taøi saûn - 2.036.415 - Voán huy ñoäng 586.000 1.257.161 215 Dö nôï tín duïng 782.000 1.051.172 134 Lôïi nhuaän tröôùc thueá - 101.032 - - Töø hoaït ñoäng kinh doanh 42.000 42.202 100,5 - Töø baùn ñaát Vuõng Taøu - 58.830 - 3 NHÖÕNG THAY ÑOÅI CHUÛ YEÁU TRONG NAÊM Trong xu theá chung caùc toå chöùc, taäp ñoaøn kinh teá caàn coù söï lieân keát, hôïp taùc ñeå phaùt trieån. Nhaän thöùc ñöôïc vaán ñeà naøy, Hoäi Ñoàng Quaûn Trò ñaõ thoáng nhaát trình vaø ñaõ ñöôïc Ñaïi hoäi coå ñoâng Gia Ñònh Ngaân haøng thoâng qua vieäc löïa choïn Vietcombank laø coå ñoâng chieán löôïc duy nhaát vôùi soá voán goùp duy trì ôû möùc 30%/toång soá voán ñieàu leä cuûa Gia Ñònh Ngaân haøng cuøng nhöõng cam keát hoã trôï thieát thöïc vaø laâu daøi, tröôùc maét ñaõ cöû 03 thaønh vieân tham gia Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt nhaèm boå sung vaø taêng cöôøng söùc maïnh cho Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt. 4. TRIEÅN VOÏNG VAØ KEÁ HOAÏCH TRONG TÖÔNG LAI Vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, CBCNV cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa Vietcombank – Coå ñoâng chieán löôïc vaø vieäc chuù troïng caûi tieán heä thoáng quaûn lyù, hoaït ñoäng Ngaân haøng theo tieâu chuaån ISO, Gia Ñònh Ngaân haøng chaéc chaén phaùt trieån nhanh trôû thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam trong töông lai gaàn. Hoäi Ñoàng Quaûn Trò luoân keà vai saùt caùnh vôùi Ban Ñieàu haønh ñeå thöïc thi toát nhaát ñònh höôùng chieán löôïc ñeà ra nhaèm xaây döïng thöông hieäu maïnh GiaDinhBank.10 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 11
  • 12. PHAÀN III BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 1. BAÙO CAÙO TÌNH HÌNH TAØI CHÍNH 1.1 Khaû naêng sinh lôøi CHÆ TIEÂU Naêm 2005 Naêm 2006 Naêm 2007 Lôïi nhuaän sau thueá treân voán ñieàu leä bình quaân 18,03% 9,83% 24,14% Lôïi nhuaän sau thueá treân voán CSH bình quaân (ROE) 15,21% 9,15% 23,05% Lôïi nhuaän sau thueá treân toång taøi saûn (ROA) 1,66% 1,52% 3,16% Trong naêm 2007 maëc duø toác ñoä taêng tröôûng cao veà toång taøi saûn (taêng 160%) vaø voán ñieàu leä (taêng 112%) nhöng caùc tyû leä phaûn aùnh khaû naêng sinh lôøi ñeàu ñaït ôû möùc taêng tröôûng khaù cao. Ñieàu naøy cho thaáy hoaït ñoäng cuûa Gia Ñònh Ngaân haøng ñang ngaøy caøng phaùt trieån. 1.2 Khaû naêng thanh toaùn CHÆ TIEÂU Naêm 2005 Naêm 2006 Naêm 2007 Tyû leä khaû naêng chi traû (laàn) 4,25 3,04 2,32 Tyû leä nguoàn voán ngaén haïn söû duïng 0 0 0 ñeå cho vay trung daøi haïn (%) Ban Toång Giaùm Ñoác Qua soá lieäu treân cho thaáy, Gia Ñònh Ngaân haøng luoân duy trì khaû naêng thanh toaùn ôû möùc heát söùc an toaøn. ° Keát quaû kinh doanh naêm 2007 : Lôïi nhuaän tröôùc thueá ñaït 101.032 trieäu ñoàng, taêng 81.709 trieäu ñoàng, (tyû leä taêng 423%) so vôùi naêm 2006. 1.3 Phaân tích caùc heä soá an toaøn trong hoaït ñoäng Ngaân haøng ° Caùc heä soá an toaøn nhö tyû leä an toaøn voán toái thieåu, tyû leä khaû naêng chi traû, tyû leä cuûa nguoàn voán ngaén haïn söû duïng ñeå Tyû leä an toaøn voán tính ñeán thôøi ñieåm 31/12/2007 laø 77,90%.Tyû leä an toaøn voán cuûa Gia Ñònh cho vay trung daøi haïn,… ñaûm baûo thöïc hieän ñuùng theo qui ñònh cuûa NHNN. Ngaân haøng luoân ñaûm baûo ñuùng quy ñònh. Maëc duø dö nôï tín duïng cuûa Gia Ñònh Ngaân haøng naêm 2007 coù toác ñoä taêng tröôûng maïnh so vôùi naêm 2006 (taêng 102%) nhöng tyû leä nôï xaáu chæ chieám 3. NHÖÕNG TIEÁN BOÄ ÑAÕ ÑAÏT ÑÖÔÏC 0,44%/toång dö nôï. Taát caû caùc khoaûn nôï xaáu naøy ñeàu ñöôïc ñaûm baûo baèng taøi saûn theá chaáp hôïp 3.1 Nhöõng caûi tieán veà cô caáu toå chöùc, chính saùch, quaûn lyù phaùp vaø ñeàu coù khaû naêng thu hoài. ° Ñaùp öùng nhu caàu taêng tröôûng môû roäng hoaït ñoäng, trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ cô caáu laïi caùc Phoøng 1.4 Phaân tích nhöõng bieán ñoäng-nhöõng thay ñoåi lôùn so vôùi döï kieán vaø nguyeân nhaân daãn Ban taïi Hoäi sôû cho phuø hôïp vôùi tình hình môùi, theo ñoù ñaõ taùch vaø thaønh laäp môùi Phoøng Ban chuyeân traùch nhö ñeán bieán ñoäng Phoøng Thaåm ñònh taøi saûn, Marketing, Phaùp cheá, Ñaàu tö... Ñoàng thôøi toå chöùc tuyeån duïng, ñaøo taïo, boå nhieäm, saép Trong naêm 2007, Gia Ñònh Ngaân haøng döï kieán phaùt haønh 500 tyû ñoàng traùi phieáu chuyeån ñoåi xeáp vaø boá trí nhaân söï vaøo nhöõng vò trí thích hôïp ñaûm baûo hoaït ñoäng hieäu quaû nhaát. Toång soá löôïng CBCNV cuûa nhöng khoâng thöïc hieän ñöôïc do khi ñöôïc Ngaân haøng Nhaø nöôùc vaø UÛy Ban Chöùng khoaùn Nhaø naêm 2007 taêng gaáp ñoâi naêm 2006. nöôùc chaáp thuaän thì ñaõ gaàn heát naêm 2007, khoâng ñuû thôøi gian ñeå thöïc hieän. ° Phaùt trieån saûn phaåm, dòch vuï luoân ñöôïc Gia Ñònh Ngaân haøng quan taâm. Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ nghieân cöùu naâng caáp, caûi tieán caùc saûn phaåm, dòch vuï hieän coù vaø phaùt trieån theâm saûn phaåm, dòch vuï môùi nhaèm 1.5 Nhöõng thay ñoåi veà voán coå ñoâng ña daïng hoùa saûn phaåm, dòch vuï phuïc vuï toát nhaát cho nhu caàu cuûa khaùch haøng nhö: heä thoáng MobileBanking, Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ thöïc hieän 02 ñôït taêng voán nhaèm taêng khaû naêng taøi PhoneBanking, bao thanh toaùn, tín duïng döï aùn, tieát kieäm linh hoaït coù thöôûng...ngoaøi ra Gia Ñònh Ngaân haøng chính vaø ñaùp öùng taêng tröôûng hoaït ñoäng. Voán ñieàu leä cuoái naêm 2007 ñaït 444,623 tyû ñoàng coøn ñang xuùc tieán vieäc gia nhaäp lieân minh theû cuûa coå ñoâng chieán löôïc -Vietcombank vaø döï kieán phaùt haønh theû (trong ñoù voán goùp cuûa coå ñoâng chieán löôïc Vietcombank chieám 30% voán ñieàu leä). GiaDinhBank trong naêm 2008.. 1.6 Soá löôïng coå phieáu ñang löu haønh ° Trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ ñöôïc Ngaân haøng Nhaø nöôùc chaáp thuaän cho pheùp môû caùc Chi nhaùnh Gia Ñònh Ngaân haøng chæ phaùt haønh coå phieáu phoå thoâng vaø tính ñeán thôøi ñieåm 31/12/2007 toång môùi taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân cuøng moät soá Phoøng soá coå phieáu phoå thoâng ñang löu haønh laø 44.462.300 coå phieáu. Giao dòch tröïc thuoäc nhaèm tieán ñeán môû roäng maïng löôùi hoaït ñoäng treân phaïm vi toaøn quoác. 1.7 Coå töùc 3.2 Caùc bieän phaùp kieåm soaùt Gia Ñònh Ngaân haøng chia coå töùc cho caùc coå ñoâng baèng tieàn maët vaø tyû leä ñöôïc chia nhö sau: ° Quaûn lyù ruûi ro trong hoaït ñoäng ngaân haøng laø vaán ñeà luoân ñöôïc Laõnh ñaïo Gia Ñònh Ngaân haøng heát söùc quan taâm. - Coå ñoâng naém giöõ coå phieáu phaùt haønh ñeán ngaøy 18/07/2005: 59,24%. Gia Ñònh Ngaân haøng ñaõ thaønh laäp Toå Quaûn lyù ruûi ro tröïc thuoäc Toång Giaùm ñoác vôùi nhieäm vuï theo doõi thöôøng - Coå ñoâng naém giöõ coå phieáu phaùt haønh sau ngaøy 18/07/2005 ñeán 31/12/2007: 12,59%. xuyeân vaø ñaùnh giaù caùc tyû leä an toaøn trong hoaït ñoäng ngaân haøng ñeå coù nhöõng ñeà xuaát kòp thôøi nhaèm ngaên ngöøa vaø phoøng traùnh ruûi ro cho ngaân haøng. 2. BAÙO CAÙO KEÁT QUAÛ HOAÏT ÑOÄNG ° Trong coâng taùc tín duïng, maëc duø ñaõ phaân caáp haïn möùc tín duïng pheâ duyeät cho töøng Laõnh ñaïo Phoøng Kinh Caùc chæ tieâu hoaït ñoäng naêm 2007 cuûa Gia Ñònh Ngaân haøng ñeàu taêng cao so vôùi naêm tröôùc, cuï doanh, caùc Chi nhaùnh, Phoøng Giao dòch nhöng tuøy theo quy moâ vaø möùc ñoä ruûi ro ñoái vôùi töøng khoaûn vay seõ ñöôïc theå nhö sau: xeùt duyeät thoâng qua Hoäi ñoàng tín duïng. ° Toång taøi saûn ñeán 31/12/2007 ñaït 2.036.415 trieäu ñoàng, taêng 1.252.542 trieäu ñoàng so 31/12/2006 ° Gia Ñònh Ngaân haøng luoân taäp trung naâng cao vaø hoaøn thieän heä thoáng kieåm tra, kieåm soaùt noäi boä. Ngoaøi Ban (tyû leä taêng 159,8%). Kieåm soaùt ñaõ phaùt huy tích cöïc chöùc naêng, nhieäm vuï cuûa mình coøn coù Phoøng Kieåm tra kieåm soaùt noäi boä chòu ° Toång soá dö huy ñoäng voán ñeán 31/12/2007 ñaït 1.257.161 trieäu ñoàng, taêng 135,6% so vôùi naêm traùch nhieäm chính trong vieäc giaùm saùt vaø kieåm tra tröïc tieáp hoaït ñoäng cuûa caùc ñôn vò trong heä thoáng Gia Ñònh 2006 vaø ñaït 215% so vôùi keá hoaïch. Soá dö huy ñoäng bình quaân ñaït 764.686 trieäu ñoàng, taêng Ngaân haøng. 71,3% so vôùi bình quaân naêm 2006. ° Ban Phaùp cheá luoân caäp nhaät, raø soaùt, chænh söûa vaø boå sung caùc quy cheá hoaït ñoäng vaø quy trình nghieäp vuï cuûa Gia Ñònh ° Toång dö nôï tín duïng ñeán 31/12/2007 ñaït 1.051.172 trieäu ñoàng, taêng 101,8% so vôùi naêm 2006 Ngaân haøng phuø hôïp vôùi tình hình thöïc teá vaø ñaûm baûo an toaøn trong hoaït ñoäng Ngaân haøng, thoáng nhaát vôùi heä thoáng vaø ñaït 134% so vôùi keá hoaïch. Dö nôï tín duïng bình quaân ñaït 716.870 trieäu ñoàng, taêng 70,8% phaùp quy cuûa phaùp luaät hieän haønh. so vôùi bình quaân naêm 2006.12 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 13
  • 13. PHAÀN III BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 1. BAÙO CAÙO TÌNH HÌNH TAØI CHÍNH 1.1 Khaû naêng sinh lôøi CHÆ TIEÂU Naêm 2005 Naêm 2006 Naêm 2007 Lôïi nhuaän sau thueá treân voán ñieàu leä bình quaân 18,03% 9,83% 24,14% Lôïi nhuaän sau thueá treân voán CSH bình quaân (ROE) 15,21% 9,15% 23,05% Lôïi nhuaän sau thueá treân toång taøi saûn (ROA) 1,66% 1,52% 3,16% Trong naêm 2007 maëc duø toác ñoä taêng tröôûng cao veà toång taøi saûn (taêng 160%) vaø voán ñieàu leä (taêng 112%) nhöng caùc tyû leä phaûn aùnh khaû naêng sinh lôøi ñeàu ñaït ôû möùc taêng tröôûng khaù cao. Ñieàu naøy cho thaáy hoaït ñoäng cuûa Gia Ñònh Ngaân haøng ñang ngaøy caøng phaùt trieån. 1.2 Khaû naêng thanh toaùn CHÆ TIEÂU Naêm 2005 Naêm 2006 Naêm 2007 Tyû leä khaû naêng chi traû (laàn) 4,25 3,04 2,32 Tyû leä nguoàn voán ngaén haïn söû duïng 0 0 0 ñeå cho vay trung daøi haïn (%) Ban Toång Giaùm Ñoác Qua soá lieäu treân cho thaáy, Gia Ñònh Ngaân haøng luoân duy trì khaû naêng thanh toaùn ôû möùc heát söùc an toaøn. ° Keát quaû kinh doanh naêm 2007 : Lôïi nhuaän tröôùc thueá ñaït 101.032 trieäu ñoàng, taêng 81.709 trieäu ñoàng, (tyû leä taêng 423%) so vôùi naêm 2006. 1.3 Phaân tích caùc heä soá an toaøn trong hoaït ñoäng Ngaân haøng ° Caùc heä soá an toaøn nhö tyû leä an toaøn voán toái thieåu, tyû leä khaû naêng chi traû, tyû leä cuûa nguoàn voán ngaén haïn söû duïng ñeå Tyû leä an toaøn voán tính ñeán thôøi ñieåm 31/12/2007 laø 77,90%.Tyû leä an toaøn voán cuûa Gia Ñònh cho vay trung daøi haïn,… ñaûm baûo thöïc hieän ñuùng theo qui ñònh cuûa NHNN. Ngaân haøng luoân ñaûm baûo ñuùng quy ñònh. Maëc duø dö nôï tín duïng cuûa Gia Ñònh Ngaân haøng naêm 2007 coù toác ñoä taêng tröôûng maïnh so vôùi naêm 2006 (taêng 102%) nhöng tyû leä nôï xaáu chæ chieám 3. NHÖÕNG TIEÁN BOÄ ÑAÕ ÑAÏT ÑÖÔÏC 0,44%/toång dö nôï. Taát caû caùc khoaûn nôï xaáu naøy ñeàu ñöôïc ñaûm baûo baèng taøi saûn theá chaáp hôïp 3.1 Nhöõng caûi tieán veà cô caáu toå chöùc, chính saùch, quaûn lyù phaùp vaø ñeàu coù khaû naêng thu hoài. ° Ñaùp öùng nhu caàu taêng tröôûng môû roäng hoaït ñoäng, trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ cô caáu laïi caùc Phoøng 1.4 Phaân tích nhöõng bieán ñoäng-nhöõng thay ñoåi lôùn so vôùi döï kieán vaø nguyeân nhaân daãn Ban taïi Hoäi sôû cho phuø hôïp vôùi tình hình môùi, theo ñoù ñaõ taùch vaø thaønh laäp môùi Phoøng Ban chuyeân traùch nhö ñeán bieán ñoäng Phoøng Thaåm ñònh taøi saûn, Marketing, Phaùp cheá, Ñaàu tö... Ñoàng thôøi toå chöùc tuyeån duïng, ñaøo taïo, boå nhieäm, saép Trong naêm 2007, Gia Ñònh Ngaân haøng döï kieán phaùt haønh 500 tyû ñoàng traùi phieáu chuyeån ñoåi xeáp vaø boá trí nhaân söï vaøo nhöõng vò trí thích hôïp ñaûm baûo hoaït ñoäng hieäu quaû nhaát. Toång soá löôïng CBCNV cuûa nhöng khoâng thöïc hieän ñöôïc do khi ñöôïc Ngaân haøng Nhaø nöôùc vaø UÛy Ban Chöùng khoaùn Nhaø naêm 2007 taêng gaáp ñoâi naêm 2006. nöôùc chaáp thuaän thì ñaõ gaàn heát naêm 2007, khoâng ñuû thôøi gian ñeå thöïc hieän. ° Phaùt trieån saûn phaåm, dòch vuï luoân ñöôïc Gia Ñònh Ngaân haøng quan taâm. Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ nghieân cöùu naâng caáp, caûi tieán caùc saûn phaåm, dòch vuï hieän coù vaø phaùt trieån theâm saûn phaåm, dòch vuï môùi nhaèm 1.5 Nhöõng thay ñoåi veà voán coå ñoâng ña daïng hoùa saûn phaåm, dòch vuï phuïc vuï toát nhaát cho nhu caàu cuûa khaùch haøng nhö: heä thoáng MobileBanking, Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ thöïc hieän 02 ñôït taêng voán nhaèm taêng khaû naêng taøi PhoneBanking, bao thanh toaùn, tín duïng döï aùn, tieát kieäm linh hoaït coù thöôûng...ngoaøi ra Gia Ñònh Ngaân haøng chính vaø ñaùp öùng taêng tröôûng hoaït ñoäng. Voán ñieàu leä cuoái naêm 2007 ñaït 444,623 tyû ñoàng coøn ñang xuùc tieán vieäc gia nhaäp lieân minh theû cuûa coå ñoâng chieán löôïc -Vietcombank vaø döï kieán phaùt haønh theû (trong ñoù voán goùp cuûa coå ñoâng chieán löôïc Vietcombank chieám 30% voán ñieàu leä). GiaDinhBank trong naêm 2008.. 1.6 Soá löôïng coå phieáu ñang löu haønh ° Trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ ñöôïc Ngaân haøng Nhaø nöôùc chaáp thuaän cho pheùp môû caùc Chi nhaùnh Gia Ñònh Ngaân haøng chæ phaùt haønh coå phieáu phoå thoâng vaø tính ñeán thôøi ñieåm 31/12/2007 toång môùi taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân cuøng moät soá Phoøng soá coå phieáu phoå thoâng ñang löu haønh laø 44.462.300 coå phieáu. Giao dòch tröïc thuoäc nhaèm tieán ñeán môû roäng maïng löôùi hoaït ñoäng treân phaïm vi toaøn quoác. 1.7 Coå töùc 3.2 Caùc bieän phaùp kieåm soaùt Gia Ñònh Ngaân haøng chia coå töùc cho caùc coå ñoâng baèng tieàn maët vaø tyû leä ñöôïc chia nhö sau: ° Quaûn lyù ruûi ro trong hoaït ñoäng ngaân haøng laø vaán ñeà luoân ñöôïc Laõnh ñaïo Gia Ñònh Ngaân haøng heát söùc quan taâm. - Coå ñoâng naém giöõ coå phieáu phaùt haønh ñeán ngaøy 18/07/2005: 59,24%. Gia Ñònh Ngaân haøng ñaõ thaønh laäp Toå Quaûn lyù ruûi ro tröïc thuoäc Toång Giaùm ñoác vôùi nhieäm vuï theo doõi thöôøng - Coå ñoâng naém giöõ coå phieáu phaùt haønh sau ngaøy 18/07/2005 ñeán 31/12/2007: 12,59%. xuyeân vaø ñaùnh giaù caùc tyû leä an toaøn trong hoaït ñoäng ngaân haøng ñeå coù nhöõng ñeà xuaát kòp thôøi nhaèm ngaên ngöøa vaø phoøng traùnh ruûi ro cho ngaân haøng. 2. BAÙO CAÙO KEÁT QUAÛ HOAÏT ÑOÄNG ° Trong coâng taùc tín duïng, maëc duø ñaõ phaân caáp haïn möùc tín duïng pheâ duyeät cho töøng Laõnh ñaïo Phoøng Kinh Caùc chæ tieâu hoaït ñoäng naêm 2007 cuûa Gia Ñònh Ngaân haøng ñeàu taêng cao so vôùi naêm tröôùc, cuï doanh, caùc Chi nhaùnh, Phoøng Giao dòch nhöng tuøy theo quy moâ vaø möùc ñoä ruûi ro ñoái vôùi töøng khoaûn vay seõ ñöôïc theå nhö sau: xeùt duyeät thoâng qua Hoäi ñoàng tín duïng. ° Toång taøi saûn ñeán 31/12/2007 ñaït 2.036.415 trieäu ñoàng, taêng 1.252.542 trieäu ñoàng so 31/12/2006 ° Gia Ñònh Ngaân haøng luoân taäp trung naâng cao vaø hoaøn thieän heä thoáng kieåm tra, kieåm soaùt noäi boä. Ngoaøi Ban (tyû leä taêng 159,8%). Kieåm soaùt ñaõ phaùt huy tích cöïc chöùc naêng, nhieäm vuï cuûa mình coøn coù Phoøng Kieåm tra kieåm soaùt noäi boä chòu ° Toång soá dö huy ñoäng voán ñeán 31/12/2007 ñaït 1.257.161 trieäu ñoàng, taêng 135,6% so vôùi naêm traùch nhieäm chính trong vieäc giaùm saùt vaø kieåm tra tröïc tieáp hoaït ñoäng cuûa caùc ñôn vò trong heä thoáng Gia Ñònh 2006 vaø ñaït 215% so vôùi keá hoaïch. Soá dö huy ñoäng bình quaân ñaït 764.686 trieäu ñoàng, taêng Ngaân haøng. 71,3% so vôùi bình quaân naêm 2006. ° Ban Phaùp cheá luoân caäp nhaät, raø soaùt, chænh söûa vaø boå sung caùc quy cheá hoaït ñoäng vaø quy trình nghieäp vuï cuûa Gia Ñònh ° Toång dö nôï tín duïng ñeán 31/12/2007 ñaït 1.051.172 trieäu ñoàng, taêng 101,8% so vôùi naêm 2006 Ngaân haøng phuø hôïp vôùi tình hình thöïc teá vaø ñaûm baûo an toaøn trong hoaït ñoäng Ngaân haøng, thoáng nhaát vôùi heä thoáng vaø ñaït 134% so vôùi keá hoaïch. Dö nôï tín duïng bình quaân ñaït 716.870 trieäu ñoàng, taêng 70,8% phaùp quy cuûa phaùp luaät hieän haønh. so vôùi bình quaân naêm 2006.12 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 13
  • 14. 4. KEÁ HOAÏCH PHAÙT TRIEÅN TRONG TÖÔNG LAI ° Naêm 2007, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát nhieäm vuï do Ñaïi hoäi ñoàng coå ñoâng ñeà ra, taïo tieàn ñeà ñeå Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån vôùi phöông chaâm an toaøn, hieäu quaû vaø beàn vöõng: taêng tröôûng cao, chæ soá taøi chính duy trì ôû möùc an toaøn cao cuõng nhö quy moâ vaø maïng löôùi khoâng ngöøng ñöôïc môû roäng. Naêm 2008 voán ñieàu leä cuûa Gia Ñònh Ngaân haøng seõ ñöôïc naâng leân 1.000 tyû ñoàng, ñaûm baûo möùc voán phaùp ñònh theo quy ñònh cuûa Nhaø nöôùc. ° Veà coâng taùc phaùt trieån saûn phaåm, dòch vuï: treân cô sôû hoaøn thieän vaø naâng cao chaát löôïng saûn phaåm, dòch vuï hieän coù, Gia Ñònh Ngaân haøng seõ taäp trung phaùt trieån nhieàu saûn phaåm öùng duïng coâng ngheä hieän ñaïi nhaèm taêng thu nhaäp töø dòch vuï. Song song ñoù tieáp tuïc thöïc hieän chieán löôïc Marketing, ñaåy maïnh quaûng baù hình aûnh, thöông hieäu cuûa Gia Ñònh Ngaân haøng ngaøy caøng gaàn guõi vôùi khaùch haøng trong vaø ngoaøi nöôùc. Lôïi nhuaän tröôùc thueá 101.032 trieäu ñoàng14 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïii Coå phaàn Gia Ñònh Ngaân haøng Thöông maï Coå phaàn Gia Ñònh 15 15
  • 15. 4. KEÁ HOAÏCH PHAÙT TRIEÅN TRONG TÖÔNG LAI ° Naêm 2007, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát nhieäm vuï do Ñaïi hoäi ñoàng coå ñoâng ñeà ra, taïo tieàn ñeà ñeå Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån vôùi phöông chaâm an toaøn, hieäu quaû vaø beàn vöõng: taêng tröôûng cao, chæ soá taøi chính duy trì ôû möùc an toaøn cao cuõng nhö quy moâ vaø maïng löôùi khoâng ngöøng ñöôïc môû roäng. Naêm 2008 voán ñieàu leä cuûa Gia Ñònh Ngaân haøng seõ ñöôïc naâng leân 1.000 tyû ñoàng, ñaûm baûo möùc voán phaùp ñònh theo quy ñònh cuûa Nhaø nöôùc. ° Veà coâng taùc phaùt trieån saûn phaåm, dòch vuï: treân cô sôû hoaøn thieän vaø naâng cao chaát löôïng saûn phaåm, dòch vuï hieän coù, Gia Ñònh Ngaân haøng seõ taäp trung phaùt trieån nhieàu saûn phaåm öùng duïng coâng ngheä hieän ñaïi nhaèm taêng thu nhaäp töø dòch vuï. Song song ñoù tieáp tuïc thöïc hieän chieán löôïc Marketing, ñaåy maïnh quaûng baù hình aûnh, thöông hieäu cuûa Gia Ñònh Ngaân haøng ngaøy caøng gaàn guõi vôùi khaùch haøng trong vaø ngoaøi nöôùc. Lôïi nhuaän tröôùc thueá 101.032 trieäu ñoàng14 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïii Coå phaàn Gia Ñònh Ngaân haøng Thöông maï Coå phaàn Gia Ñònh 15 15
  • 16. PHAÀN IV BAÙO CAÙO TAØI CHÍNH 2007 BAÙO CAÙO KEÁT QUAÛ KINH DOANH 2007 BAÛNG CAÂN ÑOÁI KEÁ TOAÙN Ñôn vò : trieäu ñoàng Ñôn vò : trieäu ñoàng TT CHÆ TIEÂU Naêm 2007 Naêm 2006 TT CHÆ TIEÂU Naêm 2007 Naêm 2006 A TAØI SAÛN 1. Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï 110.481 62.182 I. Tieàn maët, vaøng baïc, ñaù quyù 6.980 7.257 2. Chi phí laõi vaø caùc chi phí töông töï 55.735 35.142 II. Tieàn göûi taïi NHNN 49.651 19.021 I. Thu nhaäp laõi thuaàn 54.746 27.040 III. Tieàn, vaøng göûi taïi caùc TCTD khaùc vaø cho vay caùc TCTD khaùc 727.865 131.184 3. Thu nhaäp töø hoaït ñoäng dòch vuï 2.105 855 IV. Chöùng khoaùn kinh doanh 84.564 1. Chöùng khoaùn kinh doanh 92.158 4. Chi phí hoaït ñoäng dòch vuï 384 120 2. Döï phoøng giaûm giaù chöùng khoaùn kinh doanh (7.594) II. Laõi / loã thuaàn töø hoaït ñoäng dòch vuï 1.721 735 VI. Cho vay khaùch haøng 1.049.078 520.728 III. Laõõi / loã thuaàn töø hoaït ñoäng kinh doanh ngoaïi hoái (92) 205 1. Cho vay khaùch haøng 1.051.172 521.006 IV. Laõi / loã thuaàn töø mua baùn chöùng khoaùn kinh doanh 4.362 949 2. Döï phoøng ruûi ro cho vay khaùch haøng (2.094) (278) 5. Thu nhaäp töø hoaït ñoäng khaùc 90.761 53.048 VII. Chöùng khoaùn ñaàu tö 19.350 19.350 6. Chi phí hoaït ñoäng khaùc 28.651 11.800 1. Chöùng khoaùn ñaàu tö saün saøng ñeå baùn 19.250 19.250 VI. Laõi thuaàn töø hoaït ñoäng khaùc 62.110 41.247 2. Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn 100 100 VII. Chi phí hoaït ñoäng 19.892 46.957 IX. Taøi saûn coá ñònh 40.566 6.184 1. Taøi saûn coá ñònh höõu hình 23.609 1.203 Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh IX. 102.955 23.220 tröôùc chi phí döï phoøng ruûi ro tín duïng - Nguyeân giaù 25.887 2.513 - Giaù trò hao moøn luõy keá (2.278) (1.310) X. Chi phí döï phoøng ruûi ro tín duïng 1.923 3.897 3. Taøi saûn coá ñònh voâ hình 16.957 4.981 XI. Toång lôïi nhuaän tröôùc thueá 101.032 19.323 - Nguyeân giaù 17.010 5.009 7. Chi phí thueá TNDN hieän haønh 36.654 7.403 - Giaù trò hao moøn luõy keá (53) (28) 8. Chi phí thueá TNDN hoaõn laïi - - XI. Taøi saûn Coù khaùc 58.361 80.149 XII. Chi phí thueá TNDN 36.654 7.403 1. Caùc khoaûn phaûi thu 45.563 73.702 XIII. Lôïi nhuaän sau thueá 64.378 11.920 2. Caùc khoaûn laõi, phí phaûi thu 10.291 5.747 XV. Laõi cô baûn treân coå phieáu – ñoàøng (meänh giaù 10.000ñoàøng/coå phieáu) 2.457 - 4. Taøi saûn Coù khaùc 2.507 700 TOÅNG TAØI SAÛN COÙ 2.036.415 783.873 TP. Hoà Chí Minh, ngaøy 02 thaùng 02 naêm 2008 B. NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU Ngöôøi laäp baûng Keá toaùn tröôûng Phoù Toång Giaùm Ñoác I. Caùc khoaûn nôï Chính phuû vaø NHNN 33.302 (Ngöôøi coâng boá thoâng tin) II. Tieàn göûi vaø vay caùc TCTD khaùc 840.000 168.000 III. Tieàn göûi cuûa khaùch haøng 417.162 332.188 VII. Caùc khoaûn nôï khaùc 23.801 20.626 1. Caùc khoaûn laõi, phí phaûi traû 10.345 8.354 3. Caùc khoaûn phaûi traû vaø coâng nôï khaùc 13.456 12.272 Toång nôï phaûi traû 1.280.963 554.115 Traàn Thò Thu Trang Nguyeãn Thò Phöông Thu Phaïm Vaên Ñaït III. Voán vaø caùc quyõ 755.452 229.758 1. Voán cuûa TCTD 688.634 210.001 a. Voán ñieàu leä 444.623 210.000 b. Voán ñaàu tö XDCB 1 1 c. Thaëng dö voán coå phaàn 244.010 2. Quyõ cuûa TCTD 2.439 5. Lôïi nhuaän chöa phaân phoái 64.378 19.756 TOÅNG NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU 2.036.415 783.873 CAÙC CHÆ TIEÂU NGOAØI BAÛNG CAÂN ÑOÁI KEÁ TOAÙN Ñôn vò : trieäu ñoàng TT CHÆ TIEÂU Naêm 2007 Naêm 2006 1. Cam keát trong nghieäp vuï L/C 1.401 2. Baûo laõnh khaùc 35416 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 17
  • 17. PHAÀN IV BAÙO CAÙO TAØI CHÍNH 2007 BAÙO CAÙO KEÁT QUAÛ KINH DOANH 2007 BAÛNG CAÂN ÑOÁI KEÁ TOAÙN Ñôn vò : trieäu ñoàng Ñôn vò : trieäu ñoàng TT CHÆ TIEÂU Naêm 2007 Naêm 2006 TT CHÆ TIEÂU Naêm 2007 Naêm 2006 A TAØI SAÛN 1. Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï 110.481 62.182 I. Tieàn maët, vaøng baïc, ñaù quyù 6.980 7.257 2. Chi phí laõi vaø caùc chi phí töông töï 55.735 35.142 II. Tieàn göûi taïi NHNN 49.651 19.021 I. Thu nhaäp laõi thuaàn 54.746 27.040 III. Tieàn, vaøng göûi taïi caùc TCTD khaùc vaø cho vay caùc TCTD khaùc 727.865 131.184 3. Thu nhaäp töø hoaït ñoäng dòch vuï 2.105 855 IV. Chöùng khoaùn kinh doanh 84.564 1. Chöùng khoaùn kinh doanh 92.158 4. Chi phí hoaït ñoäng dòch vuï 384 120 2. Döï phoøng giaûm giaù chöùng khoaùn kinh doanh (7.594) II. Laõi / loã thuaàn töø hoaït ñoäng dòch vuï 1.721 735 VI. Cho vay khaùch haøng 1.049.078 520.728 III. Laõõi / loã thuaàn töø hoaït ñoäng kinh doanh ngoaïi hoái (92) 205 1. Cho vay khaùch haøng 1.051.172 521.006 IV. Laõi / loã thuaàn töø mua baùn chöùng khoaùn kinh doanh 4.362 949 2. Döï phoøng ruûi ro cho vay khaùch haøng (2.094) (278) 5. Thu nhaäp töø hoaït ñoäng khaùc 90.761 53.048 VII. Chöùng khoaùn ñaàu tö 19.350 19.350 6. Chi phí hoaït ñoäng khaùc 28.651 11.800 1. Chöùng khoaùn ñaàu tö saün saøng ñeå baùn 19.250 19.250 VI. Laõi thuaàn töø hoaït ñoäng khaùc 62.110 41.247 2. Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn 100 100 VII. Chi phí hoaït ñoäng 19.892 46.957 IX. Taøi saûn coá ñònh 40.566 6.184 1. Taøi saûn coá ñònh höõu hình 23.609 1.203 Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh IX. 102.955 23.220 tröôùc chi phí döï phoøng ruûi ro tín duïng - Nguyeân giaù 25.887 2.513 - Giaù trò hao moøn luõy keá (2.278) (1.310) X. Chi phí döï phoøng ruûi ro tín duïng 1.923 3.897 3. Taøi saûn coá ñònh voâ hình 16.957 4.981 XI. Toång lôïi nhuaän tröôùc thueá 101.032 19.323 - Nguyeân giaù 17.010 5.009 7. Chi phí thueá TNDN hieän haønh 36.654 7.403 - Giaù trò hao moøn luõy keá (53) (28) 8. Chi phí thueá TNDN hoaõn laïi - - XI. Taøi saûn Coù khaùc 58.361 80.149 XII. Chi phí thueá TNDN 36.654 7.403 1. Caùc khoaûn phaûi thu 45.563 73.702 XIII. Lôïi nhuaän sau thueá 64.378 11.920 2. Caùc khoaûn laõi, phí phaûi thu 10.291 5.747 XV. Laõi cô baûn treân coå phieáu – ñoàøng (meänh giaù 10.000ñoàøng/coå phieáu) 2.457 - 4. Taøi saûn Coù khaùc 2.507 700 TOÅNG TAØI SAÛN COÙ 2.036.415 783.873 TP. Hoà Chí Minh, ngaøy 02 thaùng 02 naêm 2008 B. NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU Ngöôøi laäp baûng Keá toaùn tröôûng Phoù Toång Giaùm Ñoác I. Caùc khoaûn nôï Chính phuû vaø NHNN 33.302 (Ngöôøi coâng boá thoâng tin) II. Tieàn göûi vaø vay caùc TCTD khaùc 840.000 168.000 III. Tieàn göûi cuûa khaùch haøng 417.162 332.188 VII. Caùc khoaûn nôï khaùc 23.801 20.626 1. Caùc khoaûn laõi, phí phaûi traû 10.345 8.354 3. Caùc khoaûn phaûi traû vaø coâng nôï khaùc 13.456 12.272 Toång nôï phaûi traû 1.280.963 554.115 Traàn Thò Thu Trang Nguyeãn Thò Phöông Thu Phaïm Vaên Ñaït III. Voán vaø caùc quyõ 755.452 229.758 1. Voán cuûa TCTD 688.634 210.001 a. Voán ñieàu leä 444.623 210.000 b. Voán ñaàu tö XDCB 1 1 c. Thaëng dö voán coå phaàn 244.010 2. Quyõ cuûa TCTD 2.439 5. Lôïi nhuaän chöa phaân phoái 64.378 19.756 TOÅNG NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU 2.036.415 783.873 CAÙC CHÆ TIEÂU NGOAØI BAÛNG CAÂN ÑOÁI KEÁ TOAÙN Ñôn vò : trieäu ñoàng TT CHÆ TIEÂU Naêm 2007 Naêm 2006 1. Cam keát trong nghieäp vuï L/C 1.401 2. Baûo laõnh khaùc 35416 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 17
  • 18. PHAÀN V 2. KIEÅM TOAÙN NOÄI BOÄ Treân cô sôû soá lieäu naêm 2007 cuûa Phoøng Keá toaùn ñaõ ñöôïc kieåm toaùn bôûi BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC. Ban Kieåm soaùt coù nhaän ñònh nhö sau: VAØ BAÙO CAÙO KIEÅM TOAÙN - Keát quaû hoaït ñoäng kinh doanh: + Toång thu nhaäp: 215,783 tyû ñoàng, taêng 84% so vôùi naêm 2006. 1. KIEÅM TOAÙN ÑOÄC LAÄP + Toång chi phí: 114,751 tyû ñoàng, taêng 81% so vôùi naêm 2006. + Lôïi nhuaän sau thueá ñaït 64,378 tyû ñoàng, taêng 440% so vôùi naêm 2006. - Tình hình nguoàn voán: + Toång taøi saûn ñaït 2.036,415 tyû ñoàng, taêng 160% so vôùi naêm 2006. + Nguoàn voán hoaït ñoäng: Toång nguoàn voán huy ñoäng töø tieàn göûi cuûa daân cö vaø caùc toå chöùc ñaït 1.257,161 tyû ñoàng, taêng 136% so vôùi naêm 2006. Voán ñieàu leä trong naêm taêng töø 210 tyû ñoàng leân 444,623 tyû ñoàng. - Veà söû duïng voán: Soá: 87/BCKT-AAC Ñaø Naüng, ngaøy 27 thaùng 02 naêm 2008 Toång dö nôï cho vay laø 1.051,172 tyû ñoàng trong ñoù dö nôï cho vay ngaén haïn chieám 72,3%; dö nôï cho vay trung vaø daøi haïn chieám 27,7%; dö nôï xaáu laø BAÙO CAÙO KIEÅM TOAÙN 4,6 tyû ñoàng, chieám tyû leä 0,44%, taêng so vôùi cuøng kyø naêm tröôùc 0,06%; dö nôï nhoùm 5 khoâng coù. Dö nôï tín duïng bình quaân laø 716,870 tyû ñoàng, ñaït Kính gôûi: Hoäi ñoàng quaûn trò vaø Ban Toång Giaùm ñoác 110,3% so vôùi chæ tieâu keá hoaïch vaø taêng 71% so vôùi naêm 2006. Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh NHAÄN XEÙT Chuùng toâi, Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC ñaõ kieåm toaùn caùc Baùo caùo taøi chính cho naêm taøi chính keát Qua moät naêm hoaït ñoäng vôùi nhöõng khoù khaên, thaùch thöùc cuøng vôùi söï phaán thuùc ngaøy 31/12/2007 cuûa Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh (sau ñaây goïi taét laø “Ngaân haøng”) ñính keøm ñaáu lieân tuïc khoâng ngöøng cuûa taäp theå CBCNV döôùi söï chæ ñaïo cuûa Hoäi töø trang 04 ñeán trang 27. Caùc Baùo caùo taøi chính naøy ñöôïc laäp theo Cheá ñoä keá toaùn Vieät nam ñoái vôùi caùc Toå chöùc Ñoàng Quaûn Trò vaø Ban Ñieàu haønh, Gia Ñònh Ngaân haøng ñaõ ñaït nhöõng thaønh tín duïng ban haønh theo Quyeát ñònh soá 16/2007/QÑ-NHNN ngaøy 18/4/2007 cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc töïu ñaùng khích leä. Ngoaøi nhöõng chæ tieâu vöôït keá hoaïch naêm 2007, Gia Ñònh Vieät Nam vaø caùc vaên baûn khaùc coù lieân quan trong lónh vöïc Tín duïng - Ngaân haøng nhö ñaõ ñöôïc trình baøy taïi Muïc Ngaân haøng cuõng ñaõ thöïc hieän ñöôïc vieäc taêng voán ñieàu leä tuy chöa ñaït soá 04 cuûa Thuyeát minh Baùo caùo taøi chính. ñöôïc theo keá hoaïch leân 500 tyû ñoàng (444,623 tyû ñoàng/ 500 tyû ñoàng) nhöng cuõng coù theå khaúng ñònh ñöôïc tieán trình naâng cao naêng löïc taøi chính nhaèm Traùch nhieäm cuûa Ban Toång Giaùm ñoác vaø cuûa Kieåm toaùn vieân môû roäng maïng löôùi hoaït ñoäng, phaùt trieån heä thoáng coâng ngheä thoâng tin, heä Vieäc laäp caùc Baùo caùo taøi chính naøy laø traùch nhieäm cuûa Ban Toång Giaùm ñoác Ngaân haøng. Traùch nhieäm cuûa Kieåm thoáng dòch vuï khaùch haøng ñeå taïo lôïi theá caïnh tranh vaø ñieàu kieän toát cho tieán toaùn vieân laø döïa treân caùc baèng chöùng kieåm toaùn ñeå ñöa ra yù kieán ñoäc laäp cuûa mình veà tính trung thöïc vaø hôïp lyù trình phaùt trieån vaø hoäi nhaäp cuûa Gia Ñònh Ngaân haøng vaø taïo ñoäng löïc thuùc cuûa caùc Baùo caùo taøi chính ñaõ ñöôïc kieåm toaùn. ñaåy cho loä trình phaùt trieån cuûa Gia Ñònh Ngaân haøng naêm 2008 – 2010. Cô sôû ñöa ra yù kieán Chuùng toâi ñaõ tieán haønh coâng vieäc kieåm toaùn theo caùc Chuaån möïc Kieåm toaùn Vieät Nam. Theo ñoù, chuùng toâi ñaõ thöïc hieän vieäc kieåm tra theo phöông phaùp choïn maãu vaø aùp duïng caùc thöû nghieäm caàn thieát, caùc baèng chöùng xaùc minh nhöõng thoâng tin trong Baùo caùo taøi chính; ñaùnh giaù vieäc tuaân thuû caùc nguyeân taéc vaø phöông phaùp keá toaùn ñöôïc aùp duïng, caùc öôùc tính vaø xeùt ñoaùn quan troïng cuûa Ban Toång Giaùm ñoác Ngaân haøng cuõng nhö caùch trình baøy toång quaùt caùc Baùo caùo taøi chính. Chuùng toâi tin raèng, coâng vieäc kieåm toaùn cuûa chuùng toâi ñaõ ñöa ra nhöõng cô sôû hôïp lyù ñeå laøm caên cöù cho yù kieán cuûa mình. YÙ kieán cuûa Kieåm toaùn vieân Theo yù kieán chuùng toâi, xeùt treân moïi khía caïnh troïng yeáu thì caùc Baùo caùo taøi chính ñaõ phaûn aûnh trung thöïc vaø hôïp lyù veà tình hình taøi chính cuûa Ngaân haøng taïi thôøi ñieåm 31/12/2007 vaø keát quaû hoaït ñoäng kinh doanh cuõng nhö tình hình löu chuyeån tieàn teä trong naêm taøi chính keát thuùc ngaøy 31/12/2007. Giaùm ñoác Kieåm toaùn vieân Phan Xuaân Vaïn Nguyeãn Thò AÙnh Nga (Chöùng chæ Kieåm toaùn vieân soá Ñ.0102/KTV) (Chöùng chæ Kieåm toaùn vieân soá 0809/KTV)18 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 19
  • 19. PHAÀN V 2. KIEÅM TOAÙN NOÄI BOÄ Treân cô sôû soá lieäu naêm 2007 cuûa Phoøng Keá toaùn ñaõ ñöôïc kieåm toaùn bôûi BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC. Ban Kieåm soaùt coù nhaän ñònh nhö sau: VAØ BAÙO CAÙO KIEÅM TOAÙN - Keát quaû hoaït ñoäng kinh doanh: + Toång thu nhaäp: 215,783 tyû ñoàng, taêng 84% so vôùi naêm 2006. 1. KIEÅM TOAÙN ÑOÄC LAÄP + Toång chi phí: 114,751 tyû ñoàng, taêng 81% so vôùi naêm 2006. + Lôïi nhuaän sau thueá ñaït 64,378 tyû ñoàng, taêng 440% so vôùi naêm 2006. - Tình hình nguoàn voán: + Toång taøi saûn ñaït 2.036,415 tyû ñoàng, taêng 160% so vôùi naêm 2006. + Nguoàn voán hoaït ñoäng: Toång nguoàn voán huy ñoäng töø tieàn göûi cuûa daân cö vaø caùc toå chöùc ñaït 1.257,161 tyû ñoàng, taêng 136% so vôùi naêm 2006. Voán ñieàu leä trong naêm taêng töø 210 tyû ñoàng leân 444,623 tyû ñoàng. - Veà söû duïng voán: Soá: 87/BCKT-AAC Ñaø Naüng, ngaøy 27 thaùng 02 naêm 2008 Toång dö nôï cho vay laø 1.051,172 tyû ñoàng trong ñoù dö nôï cho vay ngaén haïn chieám 72,3%; dö nôï cho vay trung vaø daøi haïn chieám 27,7%; dö nôï xaáu laø BAÙO CAÙO KIEÅM TOAÙN 4,6 tyû ñoàng, chieám tyû leä 0,44%, taêng so vôùi cuøng kyø naêm tröôùc 0,06%; dö nôï nhoùm 5 khoâng coù. Dö nôï tín duïng bình quaân laø 716,870 tyû ñoàng, ñaït Kính gôûi: Hoäi ñoàng quaûn trò vaø Ban Toång Giaùm ñoác 110,3% so vôùi chæ tieâu keá hoaïch vaø taêng 71% so vôùi naêm 2006. Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh NHAÄN XEÙT Chuùng toâi, Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC ñaõ kieåm toaùn caùc Baùo caùo taøi chính cho naêm taøi chính keát Qua moät naêm hoaït ñoäng vôùi nhöõng khoù khaên, thaùch thöùc cuøng vôùi söï phaán thuùc ngaøy 31/12/2007 cuûa Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh (sau ñaây goïi taét laø “Ngaân haøng”) ñính keøm ñaáu lieân tuïc khoâng ngöøng cuûa taäp theå CBCNV döôùi söï chæ ñaïo cuûa Hoäi töø trang 04 ñeán trang 27. Caùc Baùo caùo taøi chính naøy ñöôïc laäp theo Cheá ñoä keá toaùn Vieät nam ñoái vôùi caùc Toå chöùc Ñoàng Quaûn Trò vaø Ban Ñieàu haønh, Gia Ñònh Ngaân haøng ñaõ ñaït nhöõng thaønh tín duïng ban haønh theo Quyeát ñònh soá 16/2007/QÑ-NHNN ngaøy 18/4/2007 cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc töïu ñaùng khích leä. Ngoaøi nhöõng chæ tieâu vöôït keá hoaïch naêm 2007, Gia Ñònh Vieät Nam vaø caùc vaên baûn khaùc coù lieân quan trong lónh vöïc Tín duïng - Ngaân haøng nhö ñaõ ñöôïc trình baøy taïi Muïc Ngaân haøng cuõng ñaõ thöïc hieän ñöôïc vieäc taêng voán ñieàu leä tuy chöa ñaït soá 04 cuûa Thuyeát minh Baùo caùo taøi chính. ñöôïc theo keá hoaïch leân 500 tyû ñoàng (444,623 tyû ñoàng/ 500 tyû ñoàng) nhöng cuõng coù theå khaúng ñònh ñöôïc tieán trình naâng cao naêng löïc taøi chính nhaèm Traùch nhieäm cuûa Ban Toång Giaùm ñoác vaø cuûa Kieåm toaùn vieân môû roäng maïng löôùi hoaït ñoäng, phaùt trieån heä thoáng coâng ngheä thoâng tin, heä Vieäc laäp caùc Baùo caùo taøi chính naøy laø traùch nhieäm cuûa Ban Toång Giaùm ñoác Ngaân haøng. Traùch nhieäm cuûa Kieåm thoáng dòch vuï khaùch haøng ñeå taïo lôïi theá caïnh tranh vaø ñieàu kieän toát cho tieán toaùn vieân laø döïa treân caùc baèng chöùng kieåm toaùn ñeå ñöa ra yù kieán ñoäc laäp cuûa mình veà tính trung thöïc vaø hôïp lyù trình phaùt trieån vaø hoäi nhaäp cuûa Gia Ñònh Ngaân haøng vaø taïo ñoäng löïc thuùc cuûa caùc Baùo caùo taøi chính ñaõ ñöôïc kieåm toaùn. ñaåy cho loä trình phaùt trieån cuûa Gia Ñònh Ngaân haøng naêm 2008 – 2010. Cô sôû ñöa ra yù kieán Chuùng toâi ñaõ tieán haønh coâng vieäc kieåm toaùn theo caùc Chuaån möïc Kieåm toaùn Vieät Nam. Theo ñoù, chuùng toâi ñaõ thöïc hieän vieäc kieåm tra theo phöông phaùp choïn maãu vaø aùp duïng caùc thöû nghieäm caàn thieát, caùc baèng chöùng xaùc minh nhöõng thoâng tin trong Baùo caùo taøi chính; ñaùnh giaù vieäc tuaân thuû caùc nguyeân taéc vaø phöông phaùp keá toaùn ñöôïc aùp duïng, caùc öôùc tính vaø xeùt ñoaùn quan troïng cuûa Ban Toång Giaùm ñoác Ngaân haøng cuõng nhö caùch trình baøy toång quaùt caùc Baùo caùo taøi chính. Chuùng toâi tin raèng, coâng vieäc kieåm toaùn cuûa chuùng toâi ñaõ ñöa ra nhöõng cô sôû hôïp lyù ñeå laøm caên cöù cho yù kieán cuûa mình. YÙ kieán cuûa Kieåm toaùn vieân Theo yù kieán chuùng toâi, xeùt treân moïi khía caïnh troïng yeáu thì caùc Baùo caùo taøi chính ñaõ phaûn aûnh trung thöïc vaø hôïp lyù veà tình hình taøi chính cuûa Ngaân haøng taïi thôøi ñieåm 31/12/2007 vaø keát quaû hoaït ñoäng kinh doanh cuõng nhö tình hình löu chuyeån tieàn teä trong naêm taøi chính keát thuùc ngaøy 31/12/2007. Giaùm ñoác Kieåm toaùn vieân Phan Xuaân Vaïn Nguyeãn Thò AÙnh Nga (Chöùng chæ Kieåm toaùn vieân soá Ñ.0102/KTV) (Chöùng chæ Kieåm toaùn vieân soá 0809/KTV)18 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 19
  • 20. PHAÀN VI TOÅ CHÖÙC VAØ NHAÂN SÖÏ 1. CÔ CAÁU TOÅ CHÖÙC SÔ ÑOÀ TOÅ CHÖÙC GIA ÑÒNH NGAÂN HAØNG ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNG VAÊN PHOØNG HÑQT HOÄI ÑOÀNG QUAÛN TRÒ BAN KIEÅM SOAÙT BAN ÑIEÀU HAØNH UB KIEÅM TOAÙN NOÄI BOÄ PHOØNG PHOØNG PHOØNG PHOØNG PHOØNG TOÅ KIEÅM TRA PHOØNG PHOØNG PHOØNG COÂNG THAÅM BAN HAØNH QUAÛN LYÙ KINH KIEÅM KEÁ NGAÂN KINH NGHEÄ ÑÒNH TS PHAÙP CHAÙNH TOÅNG DOANH SOAÙT TOAÙN QUYÕ DOANH THOÂNG & CHEÁ TOÅ CHÖÙC HÔÏP NOÄI BOÄ TIN MAKETING PGD ÑA KAO PGD TAÂN PHUÙ PGD HOAØN KIEÁM PGD PHUÙ THUAÄN PGD THANH XUAÂN CHI NHAÙNH CHI NHAÙNH HAØ NOÄI BAÏCH ÑAÈNG PGD PHUÙ MYÕ HÖNG PGD CAÀU GIAÁY PGD VUÕNG TAØU PGD ÑOÁNG ÑA PGD GOØ VAÁP PGD HAI BAØ TRÖNG PGD BÌNH HOØA PGD THUÛ ÑÖÙC CHI NHAÙNH CHI NHAÙNH CHI NHAÙNH PGD BÌNH DÖÔNG ÑAØ NAÜNG HAØNG XANH BAÏCH ÑAÈNG ÑIEÅM GIAO DÒCH SOÁ 1 PGD ÑOÀNG NAI PGD QUAÄN 5 CHI NHAÙNH CHI NHAÙNH CAÀN THÔ SAØI GOØN PGD LONG AN PGD TAÂY NINH CHI NHAÙNH BUOÂN MA THUOÄT20 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 21
  • 21. PHAÀN VI TOÅ CHÖÙC VAØ NHAÂN SÖÏ 1. CÔ CAÁU TOÅ CHÖÙC SÔ ÑOÀ TOÅ CHÖÙC GIA ÑÒNH NGAÂN HAØNG ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNG VAÊN PHOØNG HÑQT HOÄI ÑOÀNG QUAÛN TRÒ BAN KIEÅM SOAÙT BAN ÑIEÀU HAØNH UB KIEÅM TOAÙN NOÄI BOÄ PHOØNG PHOØNG PHOØNG PHOØNG PHOØNG TOÅ KIEÅM TRA PHOØNG PHOØNG PHOØNG COÂNG THAÅM BAN HAØNH QUAÛN LYÙ KINH KIEÅM KEÁ NGAÂN KINH NGHEÄ ÑÒNH TS PHAÙP CHAÙNH TOÅNG DOANH SOAÙT TOAÙN QUYÕ DOANH THOÂNG & CHEÁ TOÅ CHÖÙC HÔÏP NOÄI BOÄ TIN MAKETING PGD ÑA KAO PGD TAÂN PHUÙ PGD HOAØN KIEÁM PGD PHUÙ THUAÄN PGD THANH XUAÂN CHI NHAÙNH CHI NHAÙNH HAØ NOÄI BAÏCH ÑAÈNG PGD PHUÙ MYÕ HÖNG PGD CAÀU GIAÁY PGD VUÕNG TAØU PGD ÑOÁNG ÑA PGD GOØ VAÁP PGD HAI BAØ TRÖNG PGD BÌNH HOØA PGD THUÛ ÑÖÙC CHI NHAÙNH CHI NHAÙNH CHI NHAÙNH PGD BÌNH DÖÔNG ÑAØ NAÜNG HAØNG XANH BAÏCH ÑAÈNG ÑIEÅM GIAO DÒCH SOÁ 1 PGD ÑOÀNG NAI PGD QUAÄN 5 CHI NHAÙNH CHI NHAÙNH CAÀN THÔ SAØI GOØN PGD LONG AN PGD TAÂY NINH CHI NHAÙNH BUOÂN MA THUOÄT20 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 21
  • 22. HOÄI ÑOÀNG QUAÛN TRÒ BAN KIEÅM SOAÙT OÂng NGUYEÃN VAÊN SEÕ OÂng TRAÀN KIEÂN BINH Chuû tòch HÑQT Tröôûng ban OÂng PHAN SUM OÂng NGUYEÃN THEÁ HIEÅN Baø VUÕ THÒ HOÀNG Baø NGUYEÃN THÒ MÖÔØI Thaønh vieân Thaønh vieân Thaønh vieân Phoù Chuû tòch HÑQT BAN ÑIEÀU HAØNH Baø TRAÀN THÒ VIEÄT THU OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân Thaønh vieân Baø TRAÀN THÒ VIEÄT THU Toång Giaùm Ñoác OÂng NGOÂ QUANG TRUNG OÂng NGUYEÃN VAÊN CÖÏU OÂng PHAÏM VAÊN TAÂN Thaønh vieân Thaønh vieân Thaønh vieân OÂng ÑINH NGOÏC CHAÂU Baø TRAÀN THÒ KIM ANH OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm Ñoác Phoù Toång Giaùm Ñoác Phoù Toång Giaùm Ñoác Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng22 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 23
  • 23. HOÄI ÑOÀNG QUAÛN TRÒ BAN KIEÅM SOAÙT OÂng NGUYEÃN VAÊN SEÕ OÂng TRAÀN KIEÂN BINH Chuû tòch HÑQT Tröôûng ban OÂng PHAN SUM OÂng NGUYEÃN THEÁ HIEÅN Baø VUÕ THÒ HOÀNG Baø NGUYEÃN THÒ MÖÔØI Thaønh vieân Thaønh vieân Thaønh vieân Phoù Chuû tòch HÑQT BAN ÑIEÀU HAØNH Baø TRAÀN THÒ VIEÄT THU OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân Thaønh vieân Baø TRAÀN THÒ VIEÄT THU Toång Giaùm Ñoác OÂng NGOÂ QUANG TRUNG OÂng NGUYEÃN VAÊN CÖÏU OÂng PHAÏM VAÊN TAÂN Thaønh vieân Thaønh vieân Thaønh vieân OÂng ÑINH NGOÏC CHAÂU Baø TRAÀN THÒ KIM ANH OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm Ñoác Phoù Toång Giaùm Ñoác Phoù Toång Giaùm Ñoác Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng22 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 23
  • 24. 2. TOÙM TAÉT LYÙ LÒCH CAÙ NHAÂN TRONG BAN ÑIEÀU HAØNH 6/ THAY ÑOÅI THAØNH VIEÂN HOÄI ÑOÀNG QUAÛN TRÒ, BAN KIEÅM SOAÙT, BAN TOÅNG GIAÙM ÑOÁC VAØ KEÁ TOAÙN TRÖÔÛNG 1 Baø TRAÀN THÒ VIEÄT THU Toång Giaùm ñoác Naêm sinh 1953 Stt Hoï vaø Teân Chöùc danh Thay ñoåi Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Tieán só Kinh teá, Cöû nhaân Luaät * Thaønh vieân Hoäi Ñoàng Quaûn Trò 1 Leâ Khaùnh Hieàn Thaønh vieân Töø nhieäm ngaøy 15/01/2007 2 OÂng ÑINH NGOÏC CHAÂU Phoù Toång Giaùm ñoác 2 Traàn Thò Kim Anh Thaønh vieân Töø nhieäm ngaøy 17/4/2007 Naêm sinh 1960 3 Traàn Thò Vieät Thu Thaønh vieân Boå nhieäm ngaøy 06/3/2007 Trình ñoä vaên hoùa Trung caáp Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 Trình ñoä chuyeân moân Trung caáp Ngaân haøng 4 Nguyeãn Vaên Tuaân Thaønh vieân baàu boå sung 3 Baø TRAÀN THÒ KIM ANH Phoù Toång Giaùm ñoác Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 5 Ngoâ Quang Trung Thaønh vieân Naêm sinh 1951 baàu boå sung Trình ñoä vaên hoùa Ñaïi hoïc * Ban Kieåm soaùt Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng 1 Traàn Kieân Binh Tröôûng Ban Kieåm soaùt Boå nhieäm 18/01/2007 4 OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm ñoác 2 Phan Sum Thaønh vieân Boå nhieäm ngaøy 06/3/2007 Naêm sinh 1969 Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 3 Nguyeãn Theá Hieån Thaønh vieân baàu boå sung Trình ñoä vaên hoùa Ñaïi hoïc * Ban Toång Giaùm ñoác Trình ñoä chuyeân moân Ñaïi hoïc Baùch khoa Ñaø Naüng, khoái kinh teá, ngaønh ngaân haøng. 1 Traàn Thò Kim Anh Phoù Toång Giaùm ñoác Boå nhieäm ngaøy 07/5/2007 5 Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng * Keá toaùn tröôûng (khoâng thay ñoåi) Naêm sinh 1968 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá 3/ THAY ÑOÅI TOÅNG GIAÙM ÑOÁC ÑIEÀU HAØNH TRONG NAÊM Khoâng thay ñoåi. 4/ QUYEÀN LÔÏI CUÛA BAN TOÅNG GIAÙM ÑOÁC Tieàn löông, thöôûng vaø caùc quyeàn lôïi khaùc cuûa Ban Toång Giaùm ñoác theo quy cheá tieàn löông vaø quy cheá thi ñua khen thöôûng cuûa Gia Ñònh Ngaân haøng. 5/ SOÁ LÖÔÏNG CBCNV VAØ CHÍNH SAÙCH ÑOÁI VÔÙI NGÖÔØI LAO ÑOÄNG Toång soá löôïng nhaân vieân ñeán cuoái naêm 2007 laø 216 ngöôøi, taêng 102 ngöôøi so vôùi naêm 2006. Song song vôùi vieäc töøng böôùc ñieàu chænh tieàn löông hôïp lyù, chuù troïng chính saùch phuùc lôïi vaø thöïc hieän cheá ñoä khen thöôûng kòp thôøi nhaèm oån ñònh ñôøi soáng CBCNV; Gia Ñònh Ngaân haøng luoân coù chính saùch tuyeån duïng, ñaøo taïo, boå nhieäm kòp thôøi, thích hôïp nhaèm thu huùt nguoàn nhaân löïc. Maët khaùc, Gia Ñònh Ngaân haøng luoân chuù troïng taïo moâi tröôøng laøm vieäc thuaän lôïi ñeå nhaân vieân an taâm coâng taùc laâu daøi, phuïc vuï cho söï nghieäp phaùt trieån Gia Ñònh Ngaân haøng.24 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 25
  • 25. 2. TOÙM TAÉT LYÙ LÒCH CAÙ NHAÂN TRONG BAN ÑIEÀU HAØNH 6/ THAY ÑOÅI THAØNH VIEÂN HOÄI ÑOÀNG QUAÛN TRÒ, BAN KIEÅM SOAÙT, BAN TOÅNG GIAÙM ÑOÁC VAØ KEÁ TOAÙN TRÖÔÛNG 1 Baø TRAÀN THÒ VIEÄT THU Toång Giaùm ñoác Naêm sinh 1953 Stt Hoï vaø Teân Chöùc danh Thay ñoåi Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Tieán só Kinh teá, Cöû nhaân Luaät * Thaønh vieân Hoäi Ñoàng Quaûn Trò 1 Leâ Khaùnh Hieàn Thaønh vieân Töø nhieäm ngaøy 15/01/2007 2 OÂng ÑINH NGOÏC CHAÂU Phoù Toång Giaùm ñoác 2 Traàn Thò Kim Anh Thaønh vieân Töø nhieäm ngaøy 17/4/2007 Naêm sinh 1960 3 Traàn Thò Vieät Thu Thaønh vieân Boå nhieäm ngaøy 06/3/2007 Trình ñoä vaên hoùa Trung caáp Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 Trình ñoä chuyeân moân Trung caáp Ngaân haøng 4 Nguyeãn Vaên Tuaân Thaønh vieân baàu boå sung 3 Baø TRAÀN THÒ KIM ANH Phoù Toång Giaùm ñoác Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 5 Ngoâ Quang Trung Thaønh vieân Naêm sinh 1951 baàu boå sung Trình ñoä vaên hoùa Ñaïi hoïc * Ban Kieåm soaùt Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng 1 Traàn Kieân Binh Tröôûng Ban Kieåm soaùt Boå nhieäm 18/01/2007 4 OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm ñoác 2 Phan Sum Thaønh vieân Boå nhieäm ngaøy 06/3/2007 Naêm sinh 1969 Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 3 Nguyeãn Theá Hieån Thaønh vieân baàu boå sung Trình ñoä vaên hoùa Ñaïi hoïc * Ban Toång Giaùm ñoác Trình ñoä chuyeân moân Ñaïi hoïc Baùch khoa Ñaø Naüng, khoái kinh teá, ngaønh ngaân haøng. 1 Traàn Thò Kim Anh Phoù Toång Giaùm ñoác Boå nhieäm ngaøy 07/5/2007 5 Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng * Keá toaùn tröôûng (khoâng thay ñoåi) Naêm sinh 1968 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá 3/ THAY ÑOÅI TOÅNG GIAÙM ÑOÁC ÑIEÀU HAØNH TRONG NAÊM Khoâng thay ñoåi. 4/ QUYEÀN LÔÏI CUÛA BAN TOÅNG GIAÙM ÑOÁC Tieàn löông, thöôûng vaø caùc quyeàn lôïi khaùc cuûa Ban Toång Giaùm ñoác theo quy cheá tieàn löông vaø quy cheá thi ñua khen thöôûng cuûa Gia Ñònh Ngaân haøng. 5/ SOÁ LÖÔÏNG CBCNV VAØ CHÍNH SAÙCH ÑOÁI VÔÙI NGÖÔØI LAO ÑOÄNG Toång soá löôïng nhaân vieân ñeán cuoái naêm 2007 laø 216 ngöôøi, taêng 102 ngöôøi so vôùi naêm 2006. Song song vôùi vieäc töøng böôùc ñieàu chænh tieàn löông hôïp lyù, chuù troïng chính saùch phuùc lôïi vaø thöïc hieän cheá ñoä khen thöôûng kòp thôøi nhaèm oån ñònh ñôøi soáng CBCNV; Gia Ñònh Ngaân haøng luoân coù chính saùch tuyeån duïng, ñaøo taïo, boå nhieäm kòp thôøi, thích hôïp nhaèm thu huùt nguoàn nhaân löïc. Maët khaùc, Gia Ñònh Ngaân haøng luoân chuù troïng taïo moâi tröôøng laøm vieäc thuaän lôïi ñeå nhaân vieân an taâm coâng taùc laâu daøi, phuïc vuï cho söï nghieäp phaùt trieån Gia Ñònh Ngaân haøng.24 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 25
  • 26. PHAÀN VII THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 1. HOÄI ÑOÀNG QUAÛN TRÒ VAØ BAN KIEÅM SOAÙT 1.2 Thaønh vieân vaø cô caáu cuûa Ban Kieåm soaùt Hieän nay Ban kieåm soaùt Gia Ñònh Ngaân haøng coù 04 thaønh vieân (goàm 01 Tröôûng ban, 03 thaønh vieân), trong ñoù coù 1.1 Thaønh vieân vaø cô caáu cuûa Hoäi Ñoàng Quaûn Trò 02 thaønh vieân ñoäc laäp khoâng ñieàu haønh. Hieän nay Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng coù 07 thaønh vieân (goàm 01 Chuû tòch, 01 Phoù Chuû tòch vaø 05 thaønh vieân), trong ñoù coù 06 thaønh vieân ñoäc laäp khoâng ñieàu haønh. 1 OÂng TRAÀN KIEÂN BINH Tröôûng ban 1 OÂng NGUYEÃN VAÊN SEÕ Chuû tòch Naêm sinh 1954 Naêm sinh 1950 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng, Ñaïi hoïc Ngoaïi ngöõ 2 OÂng PHAN SUM Thaønh vieân 2 Baø NGUYEÃN THÒ MÖÔØI Phoù Chuû tòch Naêm sinh 1951 Naêm sinh 1950 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Ñaïi hoïc Taøi chính 3 OÂng NGUYEÃN THEÁ HIEÅN Thaønh vieân 3 Baø TRAÀN THÒ VIEÄT THU Thaønh vieân Naêm sinh 1971 Naêm sinh 1953 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Tieán só Kinh teá, Ñaïi hoïc Luaät 4 Baø VUÕ THÒ HOÀNG Thaønh vieân 4 OÂng PHAÏM VAÊN TAÂN Thaønh vieân Naêm sinh 1947 Naêm sinh 1960 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá 5 OÂng NGUYEÃN VAÊN CÖÏU Thaønh vieân 1.3 Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Naêm sinh 1972 Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Gia Ñònh Ngaân haøng döïa treân caùc quy ñònh chung nhö sau: Trình ñoä vaên hoùa Ñaïi hoïc - Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá, Ñaïi hoïc Luaät - Quy ñònh veà toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Toång Giaùm ñoác Ngaân haøng TMCP 6 OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân cuûa Nhaø nöôùc vaø nhaân daân ban haønh theo Quyeát ñònh soá 1087/2001/QÑ-NHNN ngaøy 27/8/2001 cuûa Thoáng ñoác Naêm sinh 1973 Ngaân haøng nhaø nöôùc; Trình ñoä vaên hoùa Ñaïi hoïc - Ñieàu leä Gia Ñònh Ngaân haøng; Ñaïi hoïc Ngoaïi ngöõ, Thaïc syõ Ñaïi hoïc Libre De Bruxelles Ngoaøi ra coøn theo nhöõng quy ñònh cuûa Gia Ñònh Ngaân haøng nhö sau: Trình ñoä chuyeân moân - Quyeát ñònh soá 35/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban (Bæ) 7 OÂng NGOÂ QUANG TRUNG Thaønh vieân haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò. Naêm sinh 1969 - Quyeát ñònh soá 36/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban Trình ñoä vaên hoùa Ñaïi hoïc haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Ban Kieåm soaùt. Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá, Thaïc syõ Ñaïi hoïc New South Wales (UÙc) 1.4 Hoaït ñoäng cuûa caùc tieåu ban trong Hoäi Ñoàng Quaûn Trò Vaên phoøng Hoäi Ñoàng Quaûn Trò ñöôïc thaønh laäp, toå chöùc vaø hoaït ñoäng theo Quyeát ñònh soá 102/GDB-HÑQT ngaøy 10/10/2006 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò. Cô caáu toå chöùc vaø hoaït ñoäng cuûa Vaên phoøng Hoäi Ñoàng Quaûn Trò nhö sau: 1. Tröôûng Vaên phoøng Hoäi Ñoàng Quaûn Trò. 2. Chuyeân vieân quaûn lyù coå ñoâng, chuyeån nhöôïng coå phaàn. 3. Chuyeân vieân phaùp lyù. 1.5 Keá hoaïch taêng cöôøng hieäu quaû trong hoaït ñoäng quaûn trò ngaân haøng. Nhìn chung, trong naêm 2007, Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng ñaõ coù nhieàu hoaït ñoäng mang laïi hieäu quaû tích cöïc. Hoäi Ñoàng Quaûn Trò hoïp ñònh kyø tröôùc ngaøy 15 haøng thaùng vaø tuøy thuoäc nhöõng dieãn bieán quan troïng seõ toå chöùc caùc phieân hoïp baát thöôøng ñeå baøn baïc vaø thaûo luaän ñeå giaûi quyeát caùc vaán ñeà phaùt sinh. Ngoaøi ra, Hoäi Ñoàng Quaûn Trò cuõng ñaõ chæ ñaïo Ban Ñieàu haønh Ngaân haøng saùt sao vaø hieäu quaû trong hoaït ñoäng ñieàu haønh, kinh doanh, phaùt haønh coå phieáu taêng voán ñieàu leä…… 1.6 Thuø lao, caùc khoaûn lôïi ích khaùc vaø chi phí daønh cho thaønh vieân Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt Gia Ñònh Ngaân haøng quy ñònh möùc thuø lao cho caùc thaønh vieân HÑQT vaø ban kieåm soaùt döïa treân caùc quy ñònh sau: - Ñieàu 117 vaø Ñieàu 125 cuûa Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; - Ñieàu leä Gia Ñònh Ngaân haøng; - Nghò quyeát Ñaïi hoäi coå ñoâng thöôøng nieân naêm 2006.26 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 27
  • 27. PHAÀN VII THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 1. HOÄI ÑOÀNG QUAÛN TRÒ VAØ BAN KIEÅM SOAÙT 1.2 Thaønh vieân vaø cô caáu cuûa Ban Kieåm soaùt Hieän nay Ban kieåm soaùt Gia Ñònh Ngaân haøng coù 04 thaønh vieân (goàm 01 Tröôûng ban, 03 thaønh vieân), trong ñoù coù 1.1 Thaønh vieân vaø cô caáu cuûa Hoäi Ñoàng Quaûn Trò 02 thaønh vieân ñoäc laäp khoâng ñieàu haønh. Hieän nay Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng coù 07 thaønh vieân (goàm 01 Chuû tòch, 01 Phoù Chuû tòch vaø 05 thaønh vieân), trong ñoù coù 06 thaønh vieân ñoäc laäp khoâng ñieàu haønh. 1 OÂng TRAÀN KIEÂN BINH Tröôûng ban 1 OÂng NGUYEÃN VAÊN SEÕ Chuû tòch Naêm sinh 1954 Naêm sinh 1950 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng, Ñaïi hoïc Ngoaïi ngöõ 2 OÂng PHAN SUM Thaønh vieân 2 Baø NGUYEÃN THÒ MÖÔØI Phoù Chuû tòch Naêm sinh 1951 Naêm sinh 1950 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Ñaïi hoïc Taøi chính 3 OÂng NGUYEÃN THEÁ HIEÅN Thaønh vieân 3 Baø TRAÀN THÒ VIEÄT THU Thaønh vieân Naêm sinh 1971 Naêm sinh 1953 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá Trình ñoä chuyeân moân Tieán só Kinh teá, Ñaïi hoïc Luaät 4 Baø VUÕ THÒ HOÀNG Thaønh vieân 4 OÂng PHAÏM VAÊN TAÂN Thaønh vieân Naêm sinh 1947 Naêm sinh 1960 Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä vaên hoùa Ñaïi hoïc Trình ñoä chuyeân moân Ñaïi hoïc Ngaân haøng Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá 5 OÂng NGUYEÃN VAÊN CÖÏU Thaønh vieân 1.3 Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Naêm sinh 1972 Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Gia Ñònh Ngaân haøng döïa treân caùc quy ñònh chung nhö sau: Trình ñoä vaên hoùa Ñaïi hoïc - Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá, Ñaïi hoïc Luaät - Quy ñònh veà toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Toång Giaùm ñoác Ngaân haøng TMCP 6 OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân cuûa Nhaø nöôùc vaø nhaân daân ban haønh theo Quyeát ñònh soá 1087/2001/QÑ-NHNN ngaøy 27/8/2001 cuûa Thoáng ñoác Naêm sinh 1973 Ngaân haøng nhaø nöôùc; Trình ñoä vaên hoùa Ñaïi hoïc - Ñieàu leä Gia Ñònh Ngaân haøng; Ñaïi hoïc Ngoaïi ngöõ, Thaïc syõ Ñaïi hoïc Libre De Bruxelles Ngoaøi ra coøn theo nhöõng quy ñònh cuûa Gia Ñònh Ngaân haøng nhö sau: Trình ñoä chuyeân moân - Quyeát ñònh soá 35/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban (Bæ) 7 OÂng NGOÂ QUANG TRUNG Thaønh vieân haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò. Naêm sinh 1969 - Quyeát ñònh soá 36/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban Trình ñoä vaên hoùa Ñaïi hoïc haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Ban Kieåm soaùt. Trình ñoä chuyeân moân Ñaïi hoïc Kinh teá, Thaïc syõ Ñaïi hoïc New South Wales (UÙc) 1.4 Hoaït ñoäng cuûa caùc tieåu ban trong Hoäi Ñoàng Quaûn Trò Vaên phoøng Hoäi Ñoàng Quaûn Trò ñöôïc thaønh laäp, toå chöùc vaø hoaït ñoäng theo Quyeát ñònh soá 102/GDB-HÑQT ngaøy 10/10/2006 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò. Cô caáu toå chöùc vaø hoaït ñoäng cuûa Vaên phoøng Hoäi Ñoàng Quaûn Trò nhö sau: 1. Tröôûng Vaên phoøng Hoäi Ñoàng Quaûn Trò. 2. Chuyeân vieân quaûn lyù coå ñoâng, chuyeån nhöôïng coå phaàn. 3. Chuyeân vieân phaùp lyù. 1.5 Keá hoaïch taêng cöôøng hieäu quaû trong hoaït ñoäng quaûn trò ngaân haøng. Nhìn chung, trong naêm 2007, Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng ñaõ coù nhieàu hoaït ñoäng mang laïi hieäu quaû tích cöïc. Hoäi Ñoàng Quaûn Trò hoïp ñònh kyø tröôùc ngaøy 15 haøng thaùng vaø tuøy thuoäc nhöõng dieãn bieán quan troïng seõ toå chöùc caùc phieân hoïp baát thöôøng ñeå baøn baïc vaø thaûo luaän ñeå giaûi quyeát caùc vaán ñeà phaùt sinh. Ngoaøi ra, Hoäi Ñoàng Quaûn Trò cuõng ñaõ chæ ñaïo Ban Ñieàu haønh Ngaân haøng saùt sao vaø hieäu quaû trong hoaït ñoäng ñieàu haønh, kinh doanh, phaùt haønh coå phieáu taêng voán ñieàu leä…… 1.6 Thuø lao, caùc khoaûn lôïi ích khaùc vaø chi phí daønh cho thaønh vieân Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt Gia Ñònh Ngaân haøng quy ñònh möùc thuø lao cho caùc thaønh vieân HÑQT vaø ban kieåm soaùt döïa treân caùc quy ñònh sau: - Ñieàu 117 vaø Ñieàu 125 cuûa Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; - Ñieàu leä Gia Ñònh Ngaân haøng; - Nghò quyeát Ñaïi hoäi coå ñoâng thöôøng nieân naêm 2006.26 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 27
  • 28. 1.7 Thaønh vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Toång Giaùm ñoác ñaõ coù chöùng chæ ñaøo taïo veà quaûn 1.9 Thoâng tin veà caùc giao dòch coå phieáu/ chuyeån nhöôïng phaàn voán goùp cuûa ngaân haøng cuûa caùc thaønh trò coâng ty vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Ñieàu haønh, coå ñoâng lôùn vaø nhöõng ngöôøi lieân quan 1. OÂng Nguyeãn Vaên Tuaân: baèng thaïc syõ quaûn lyù do tröôøng Ñaïi hoïc Libre De Bruxelles caáp ngaøy 25/01/1999 2. OÂng Ngoâ Quang Trung: baèng thaïc syõ thöông maïi veà quaûn lyù nguoàn taøi chính do tröôøng Ñaïi hoïc New South Choát DS vaøo ngaøy Choát DS vaøo ngaøy Wales caáp ngaøy 27/10/2000. Stt Hoï teân 31/12/2006 31/12/2007 Ghi chuù 3. OÂng Phan Sum: Giaáy chöùng nhaän khoùa hoïc veà chính saùch kinh teá veà Quaûn trò Ngaân haøng SL CP Tæ leä % SL CP Tæ leä % 4. Traàn Thò Vieät Thu: Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Ngaân haøng do Nanyang Technological Baø University-Singapore caáp naêm 1997 vaø Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Heä thoáng do ATTF Luxembourg caáp naêm 2005. 1. Hoäi Ñoàng Quaûn Trò 5. Baø Traàn Thò Kim Anh: Giaáy chöùng nhaän ñaøo taïo veà Giaùm ñoác ñieàu haønh do PACE caáp ngaøy 04/10/2007. 69.600 0,331 189.900 0,427 Theå nhaân 1 Nguyeãn Vaên Seõ 505.900 2.409 758.800 1,707 ÑD phaùp nhaân 1.8 Tyû leä sôû höõu coå phaàn vaø nhöõng thay ñoåi trong tyû leä naém giöõ coå phaàn cuûa caùc thaønh vieân 297.800 1,418 96.300 0.217 Theå nhaân 2 Nguyeãn Thò Möôøi Hoäi Ñoàng Quaûn Trò 2.150.000 10,238 3.225.000 7,253 ÑD phaùp nhaân 3 Nguyeãn Vaên Cöïu 1.755.400 8,359 2.661.600 5,986 Theå nhaân 192.200 0,915 532.500 1,198 Theå nhaân 4 Phaïm Vaên Taân Soá löôïng CP 505.900 2,409 200.000 0,449 ÑD phaùp nhaân Stt Hoï teân Chöùc danh Ñaïi dieän voán Tæ leä (%) 5 Traàn Thò Vieät Thu 101.800 0,485 381.700 0,858 Theå nhaân Caù nhaân Toång toå chöùc 6 Nguyeãn Vaên Tuaân - - 6.500.000 14,619 ÑD phaùp nhaân 01 Nguyeãn Vaên seõ Chuû tòch 189.900 758.800 948.700 2,134 7 Ngoâ Quang Trung - - 6.500.000 14,619 ÑD phaùp nhaân 02 Nguyeãn Thò Möôøi Phoù Chuû tòch 96.300 3.225.000 3.321.300 7,470 2. Ban Kieåm soaùt 1 Traàn Kieân Binh 35.700 0,17 50.800 0,114 Theå nhaân 03 Nguyeãn Vaên Cöïu Thaønh vieân 2.661.600 - 2.661.600 5,986 2 Vuõ Thò Hoàng 17.100 0,081 22.800 0,051 Theå nhaân 04 Phaïm Vaên Taân Thaønh vieân 532.500 200.000 732.500 1,647 3 Phan Sum 5.100 0,024 12.400 0,28 Theå nhaân 05 Traàn Thò Vieät Thu Thaønh vieân 381.700 381.700 0,858 4 Nguyeãn Theá Hieån - - 338.700 0,762 ÑD phaùp nhaân 06 Nguyeãn Vaên Tuaân Thaønh vieân - 6.500.000 6.500.000 14,619 3. Ban Giaùm ñoác ñieàu haønh 07 Ngoâ Quang Trung Thaønh vieân - 6.500.000 6.500.000 14,619 1 Traàn Thò Vieät Thu 101.800 0,485 381.700 0,858 Toång GÑ 2 Ñinh Ngoïc Chaâu 40.700 0,194 59.200 0,133 Phoù Toång GÑ 3 Phaïm Vaên Ñaït 20.500 0,098 44.800 0,101 Phoù Toång GÑ 4 Traàn Thò Kim Anh 22.800 0,109 28.500 0,064 Phoù Toång GÑ 4. Coå ñoâng lôùn (Sôû höõu treân 5% voán coå phaàn) Ngaân haøng TMCP 1 Saøi Goøn Coâng 2.150.000 10,238 3.225.000 7,253 Phaùp nhaân Thöông 2 Nguyeãn Vaên Cöïu 1.755.400 8,359 2.661.600 5,986 Theå nhaân 3 Traàn Thò Laâm 1.745.300 8,311 3.270.900 7,357 Theå nhaân Ngaân haøng TMCP 4 Ngoaïi Thöông Vieät 758.800 3,613 4.890.853 11,000 Phaùp nhaân Nam Cty LDQL Quyõ 5 - - 8.447.847 19,000 Phaùp nhaân ÑTCK Vietcombank28 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 29
  • 29. 1.7 Thaønh vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Toång Giaùm ñoác ñaõ coù chöùng chæ ñaøo taïo veà quaûn 1.9 Thoâng tin veà caùc giao dòch coå phieáu/ chuyeån nhöôïng phaàn voán goùp cuûa ngaân haøng cuûa caùc thaønh trò coâng ty vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Ñieàu haønh, coå ñoâng lôùn vaø nhöõng ngöôøi lieân quan 1. OÂng Nguyeãn Vaên Tuaân: baèng thaïc syõ quaûn lyù do tröôøng Ñaïi hoïc Libre De Bruxelles caáp ngaøy 25/01/1999 2. OÂng Ngoâ Quang Trung: baèng thaïc syõ thöông maïi veà quaûn lyù nguoàn taøi chính do tröôøng Ñaïi hoïc New South Choát DS vaøo ngaøy Choát DS vaøo ngaøy Wales caáp ngaøy 27/10/2000. Stt Hoï teân 31/12/2006 31/12/2007 Ghi chuù 3. OÂng Phan Sum: Giaáy chöùng nhaän khoùa hoïc veà chính saùch kinh teá veà Quaûn trò Ngaân haøng SL CP Tæ leä % SL CP Tæ leä % 4. Traàn Thò Vieät Thu: Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Ngaân haøng do Nanyang Technological Baø University-Singapore caáp naêm 1997 vaø Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Heä thoáng do ATTF Luxembourg caáp naêm 2005. 1. Hoäi Ñoàng Quaûn Trò 5. Baø Traàn Thò Kim Anh: Giaáy chöùng nhaän ñaøo taïo veà Giaùm ñoác ñieàu haønh do PACE caáp ngaøy 04/10/2007. 69.600 0,331 189.900 0,427 Theå nhaân 1 Nguyeãn Vaên Seõ 505.900 2.409 758.800 1,707 ÑD phaùp nhaân 1.8 Tyû leä sôû höõu coå phaàn vaø nhöõng thay ñoåi trong tyû leä naém giöõ coå phaàn cuûa caùc thaønh vieân 297.800 1,418 96.300 0.217 Theå nhaân 2 Nguyeãn Thò Möôøi Hoäi Ñoàng Quaûn Trò 2.150.000 10,238 3.225.000 7,253 ÑD phaùp nhaân 3 Nguyeãn Vaên Cöïu 1.755.400 8,359 2.661.600 5,986 Theå nhaân 192.200 0,915 532.500 1,198 Theå nhaân 4 Phaïm Vaên Taân Soá löôïng CP 505.900 2,409 200.000 0,449 ÑD phaùp nhaân Stt Hoï teân Chöùc danh Ñaïi dieän voán Tæ leä (%) 5 Traàn Thò Vieät Thu 101.800 0,485 381.700 0,858 Theå nhaân Caù nhaân Toång toå chöùc 6 Nguyeãn Vaên Tuaân - - 6.500.000 14,619 ÑD phaùp nhaân 01 Nguyeãn Vaên seõ Chuû tòch 189.900 758.800 948.700 2,134 7 Ngoâ Quang Trung - - 6.500.000 14,619 ÑD phaùp nhaân 02 Nguyeãn Thò Möôøi Phoù Chuû tòch 96.300 3.225.000 3.321.300 7,470 2. Ban Kieåm soaùt 1 Traàn Kieân Binh 35.700 0,17 50.800 0,114 Theå nhaân 03 Nguyeãn Vaên Cöïu Thaønh vieân 2.661.600 - 2.661.600 5,986 2 Vuõ Thò Hoàng 17.100 0,081 22.800 0,051 Theå nhaân 04 Phaïm Vaên Taân Thaønh vieân 532.500 200.000 732.500 1,647 3 Phan Sum 5.100 0,024 12.400 0,28 Theå nhaân 05 Traàn Thò Vieät Thu Thaønh vieân 381.700 381.700 0,858 4 Nguyeãn Theá Hieån - - 338.700 0,762 ÑD phaùp nhaân 06 Nguyeãn Vaên Tuaân Thaønh vieân - 6.500.000 6.500.000 14,619 3. Ban Giaùm ñoác ñieàu haønh 07 Ngoâ Quang Trung Thaønh vieân - 6.500.000 6.500.000 14,619 1 Traàn Thò Vieät Thu 101.800 0,485 381.700 0,858 Toång GÑ 2 Ñinh Ngoïc Chaâu 40.700 0,194 59.200 0,133 Phoù Toång GÑ 3 Phaïm Vaên Ñaït 20.500 0,098 44.800 0,101 Phoù Toång GÑ 4 Traàn Thò Kim Anh 22.800 0,109 28.500 0,064 Phoù Toång GÑ 4. Coå ñoâng lôùn (Sôû höõu treân 5% voán coå phaàn) Ngaân haøng TMCP 1 Saøi Goøn Coâng 2.150.000 10,238 3.225.000 7,253 Phaùp nhaân Thöông 2 Nguyeãn Vaên Cöïu 1.755.400 8,359 2.661.600 5,986 Theå nhaân 3 Traàn Thò Laâm 1.745.300 8,311 3.270.900 7,357 Theå nhaân Ngaân haøng TMCP 4 Ngoaïi Thöông Vieät 758.800 3,613 4.890.853 11,000 Phaùp nhaân Nam Cty LDQL Quyõ 5 - - 8.447.847 19,000 Phaùp nhaân ÑTCK Vietcombank28 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 29
  • 30. 2. CAÙC DÖÕ LIEÄU THOÁNG KEÂ VEÀ COÅ ÑOÂNG 2.1 Coå ñoâng trong nöôùc Coå ñoâng Soá löôïng coå ñoâng Soá löôïng coå phaàn Tyû leä coå phaàn Phaùp nhaân 14 20.278.800 45,61 Theå nhaân 571 24.183.500 54,39 Toång coäng 585 44.462.300 100,00 * Thoâng tin chi tieát veà töøng coå ñoâng lôùn (sôû höõu treân 5% voán coå phaàn) Ngheå nghieäp/ Stt Hoï teân Ñòa chæ lieân laïc Ngaønh ngheà hoaït SL CP Tæ leä % ñoäng Ngaân haøng TMCP 1 2C Phoù Ñöùc Chính, Q.1, TP HCM Ngaân haøng 3.225.000 7,253 Saøi Goøn Coâng Thöông 2 Nguyeãn Vaên Cöïu 250 Toâ Hieán Thaønh, Q.10, TP HCM Kinh doanh 2.661.600 5,986 3 Traàn Thò Laâm 41 Nguyeãn Thoâng, Q.3, TP HCM Kinh doanh 3.270.900 7,357 Ngaân haøng TMCP 4 198 Traàn Quang Khaûi, Haø Noäi Ngaân Haøng 4.890.853 11,000 Ngoaïi Thöông Vieät Nam Cty LDQL Quyõ ÑTCK 5 198 Traàn Quang Khaûi, Haø Noäi Chöùng khoaùn 8.447.847 19,000 Vietcombank 2.2 Coå ñoâng nöôùc ngoaøi: Theo danh saùch coå ñoâng choát vaøo ngaøy 31/12/2007, Gia Ñònh Ngaân haøng khoâng coù coå ñoâng nöôùc ngoaøi.30 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 31
  • 31. 2. CAÙC DÖÕ LIEÄU THOÁNG KEÂ VEÀ COÅ ÑOÂNG 2.1 Coå ñoâng trong nöôùc Coå ñoâng Soá löôïng coå ñoâng Soá löôïng coå phaàn Tyû leä coå phaàn Phaùp nhaân 14 20.278.800 45,61 Theå nhaân 571 24.183.500 54,39 Toång coäng 585 44.462.300 100,00 * Thoâng tin chi tieát veà töøng coå ñoâng lôùn (sôû höõu treân 5% voán coå phaàn) Ngheå nghieäp/ Stt Hoï teân Ñòa chæ lieân laïc Ngaønh ngheà hoaït SL CP Tæ leä % ñoäng Ngaân haøng TMCP 1 2C Phoù Ñöùc Chính, Q.1, TP HCM Ngaân haøng 3.225.000 7,253 Saøi Goøn Coâng Thöông 2 Nguyeãn Vaên Cöïu 250 Toâ Hieán Thaønh, Q.10, TP HCM Kinh doanh 2.661.600 5,986 3 Traàn Thò Laâm 41 Nguyeãn Thoâng, Q.3, TP HCM Kinh doanh 3.270.900 7,357 Ngaân haøng TMCP 4 198 Traàn Quang Khaûi, Haø Noäi Ngaân Haøng 4.890.853 11,000 Ngoaïi Thöông Vieät Nam Cty LDQL Quyõ ÑTCK 5 198 Traàn Quang Khaûi, Haø Noäi Chöùng khoaùn 8.447.847 19,000 Vietcombank 2.2 Coå ñoâng nöôùc ngoaøi: Theo danh saùch coå ñoâng choát vaøo ngaøy 31/12/2007, Gia Ñònh Ngaân haøng khoâng coù coå ñoâng nöôùc ngoaøi.30 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 31
  • 32. MAÏNG LÖÔÙI HOAÏT ÑOÄNG HOÄI SÔÛ 135 Phan Ñaêng Löu, Quaän Phuù Nhuaän, Thaønh phoáù Hoà Chí Minh Ñieän thoai: (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn TP. HOÀ CHÍ MINH 473C Baïch Ñaèng, Quaän Bình Thaïnh Chi nhaùnh Baïch Ñaèng Ñieän thoaïi: (08) 8412146 Fax: (08) 8413656 68 Baïch Ñaèng, Quaän Bình Thaïnh Chi nhaùnh Haøng Xanh Ñieän thoaïi: (08) 8991567 Fax: (08) 8995441 119 Nguyeãn Thaùi Hoïc, Quaän 1 Chi nhaùnh Saøi Goøn Ñieän thoaïi: (08) 8385550 Fax: (08) 8385553 187 Nguyeãn Vaên Ñaäu, Quaän Bình Thaïnh Phoøng giao dòch Bình Hoøa Ñieän thoaïi/ Fax: (08) 8411367 42 Leâ Vaên Ninh, Quaän Thuû Ñöùc Phoøng giao dòch Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 8966081 430 Luõy Baùn Bích, Quaän Taân Phuù Phoøng giao dòch Taân Phuù Ñieän thoaïi: (08) 4067295 Fax: (08) 4067296 Leã khaùnh thaønh Hoäi Sôû môùi Ngaân Haøng TMCP Gia Ñònh 66 Traàn Quang Khaûi, Quaän 1 Phoøng giao dòch Ña Kao Ñieän thoaïi: (08) 8483591 Fax: (08) 8483592 01 Hoøa Bình, Quaän Thuû Ñöùc Ñieåm giao dòch soá 01 Ñieän thoaïi/ Fax: (08) 7225536 HAØ NOÄI Chi nhaùnh Haø Noäi 55 Ñaøo Taán, Quaän Ba Ñình Ñieän thoaïi: (04) 7667336 Fax: (04) 7667335 Phoøng giao dòch Hoaøn Kieám 24B Toân Ñaûng, Quaän Hoaøn Kieám Ñieän thoaïi: (04) 9366677 Fax: (04) 9367596 Phoøng giao dòch Thanh Xuaân 96 Nguyeãn Traõi, Quaän Thanh Xuaân Ñieän thoaïi: (04) 5543869 Fax: (04) 5543785 Phoøng giao dòch Caàu Giaáy 25 Nguyeãn Phong Saéc, Quaän Caàu Giaáy Ñieän thoaïi: (04) 7549828 Fax: (04) 7549818 Phoøng giao dòch Hai Baø Tröng 107 Phoá Traàn Ñaïi Nghóa, Phöôøng Baùch Khoa, Quaän Hai Baø Tröng Leã khai tröông Phoøng Giao Dòch Hoaøn Kieám - Haø Noäi Phoøng giao dòch Ñoáng Ña 39A Ñeâ La Thaønh (ñöôøng Kim Lieân môùi). Quaän Ñoáng Ña Ñieän thoaïi: (04) 5738203 Fax: (04) 5738194. ÑAØ NAÜNG Chi nhaùnh Ñaø Naüng 386 Hoaøng Dieäu, Quaän Haûi Chaâu CAÀN THÔ Ñieän thoaïi: (0511) 3584600 Fax: (0511) 3584601 Chi nhaùnh Caàn Thô 135Y-135H Traàn Höng Ñaïo, Quaän Ninh Kieàu ÑAÉCLAÉK Ñieän thoaïi: (0710) 733740 Fax: (0710) 733745 Chi nhaùnh Buoân Ma Thuoät 186 Leâ Duaån, Thaønh phoá Buoân Ma Thuoät Ñieä n thoaï i : (0500) 843192 Fax: (0500) 843193 Hoaït ñoäng trong naêm 2008 TP. HOÀ CHÍ MINH Ngaân Haøng TMCP Gia Ñònh - chi nhaùnh Ñaø Naüng Phoøng giao dòch Quaän 5 136 Nguyeãn Tri Phöông, Quaän 5 Phoøng giao dòch Phuù Myõ Höng SD-06, Loâ H25-2 Khu phoá Myõ Ñöùc, Quaän 7 Phoøng giao dòch Phuù Thuaän 1 Loâ G, Khu phoá 1, Nguyeãn Vaên Quyø, Quaän 7 Phoøng giao dòch Goø Vaáp 296 Nguyeãn Vaên Nghi, Quaän Goø Vaáp KHU VÖÏC ÑOÂNG NAM BOÄ Phoøng giao dòch Bình Döông 16-17 Loâ C2 Laøng Chuyeân gia Ruby Land, Khu ñoâ thò Myõ Phöôùc II, Huyeän Beán Caùt, Tænh Bình Döông Phoøng giao dòch Vuõng Taøu 9Q Löông Theá Vinh, Thaønh phoá Vuõng Taøu A4/443 Buøi Höõu Nghóa, Phöôøng Taân Vaïn, Phoøng giao dòch Ñoàng Nai Thaønh phoá Bieân Hoøa, Tænh Ñoàng Nai A11 Khu phoá Thöông Maïi, Ñöôøng 30-4, Phoøng giao dòch Taây Ninh Khu phoá 1, Phöôøng 3 , TXTaây Ninh KHU VÖÏC TAÂY NAM BOÄ Leã khai tröông Phoøng Giao Dòch Thanh Xuaân - Haø Noäi Phoøng giao dòch Long An 13-15 Ñöôøng soá 5B, Thò xaõ Taân An, Tænh Long An32 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 33
  • 33. MAÏNG LÖÔÙI HOAÏT ÑOÄNG HOÄI SÔÛ 135 Phan Ñaêng Löu, Quaän Phuù Nhuaän, Thaønh phoáù Hoà Chí Minh Ñieän thoai: (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn TP. HOÀ CHÍ MINH 473C Baïch Ñaèng, Quaän Bình Thaïnh Chi nhaùnh Baïch Ñaèng Ñieän thoaïi: (08) 8412146 Fax: (08) 8413656 68 Baïch Ñaèng, Quaän Bình Thaïnh Chi nhaùnh Haøng Xanh Ñieän thoaïi: (08) 8991567 Fax: (08) 8995441 119 Nguyeãn Thaùi Hoïc, Quaän 1 Chi nhaùnh Saøi Goøn Ñieän thoaïi: (08) 8385550 Fax: (08) 8385553 187 Nguyeãn Vaên Ñaäu, Quaän Bình Thaïnh Phoøng giao dòch Bình Hoøa Ñieän thoaïi/ Fax: (08) 8411367 42 Leâ Vaên Ninh, Quaän Thuû Ñöùc Phoøng giao dòch Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 8966081 430 Luõy Baùn Bích, Quaän Taân Phuù Phoøng giao dòch Taân Phuù Ñieän thoaïi: (08) 4067295 Fax: (08) 4067296 Leã khaùnh thaønh Hoäi Sôû môùi Ngaân Haøng TMCP Gia Ñònh 66 Traàn Quang Khaûi, Quaän 1 Phoøng giao dòch Ña Kao Ñieän thoaïi: (08) 8483591 Fax: (08) 8483592 01 Hoøa Bình, Quaän Thuû Ñöùc Ñieåm giao dòch soá 01 Ñieän thoaïi/ Fax: (08) 7225536 HAØ NOÄI Chi nhaùnh Haø Noäi 55 Ñaøo Taán, Quaän Ba Ñình Ñieän thoaïi: (04) 7667336 Fax: (04) 7667335 Phoøng giao dòch Hoaøn Kieám 24B Toân Ñaûng, Quaän Hoaøn Kieám Ñieän thoaïi: (04) 9366677 Fax: (04) 9367596 Phoøng giao dòch Thanh Xuaân 96 Nguyeãn Traõi, Quaän Thanh Xuaân Ñieän thoaïi: (04) 5543869 Fax: (04) 5543785 Phoøng giao dòch Caàu Giaáy 25 Nguyeãn Phong Saéc, Quaän Caàu Giaáy Ñieän thoaïi: (04) 7549828 Fax: (04) 7549818 Phoøng giao dòch Hai Baø Tröng 107 Phoá Traàn Ñaïi Nghóa, Phöôøng Baùch Khoa, Quaän Hai Baø Tröng Leã khai tröông Phoøng Giao Dòch Hoaøn Kieám - Haø Noäi Phoøng giao dòch Ñoáng Ña 39A Ñeâ La Thaønh (ñöôøng Kim Lieân môùi). Quaän Ñoáng Ña Ñieän thoaïi: (04) 5738203 Fax: (04) 5738194. ÑAØ NAÜNG Chi nhaùnh Ñaø Naüng 386 Hoaøng Dieäu, Quaän Haûi Chaâu CAÀN THÔ Ñieän thoaïi: (0511) 3584600 Fax: (0511) 3584601 Chi nhaùnh Caàn Thô 135Y-135H Traàn Höng Ñaïo, Quaän Ninh Kieàu ÑAÉCLAÉK Ñieän thoaïi: (0710) 733740 Fax: (0710) 733745 Chi nhaùnh Buoân Ma Thuoät 186 Leâ Duaån, Thaønh phoá Buoân Ma Thuoät Ñieä n thoaï i : (0500) 843192 Fax: (0500) 843193 Hoaït ñoäng trong naêm 2008 TP. HOÀ CHÍ MINH Ngaân Haøng TMCP Gia Ñònh - chi nhaùnh Ñaø Naüng Phoøng giao dòch Quaän 5 136 Nguyeãn Tri Phöông, Quaän 5 Phoøng giao dòch Phuù Myõ Höng SD-06, Loâ H25-2 Khu phoá Myõ Ñöùc, Quaän 7 Phoøng giao dòch Phuù Thuaän 1 Loâ G, Khu phoá 1, Nguyeãn Vaên Quyø, Quaän 7 Phoøng giao dòch Goø Vaáp 296 Nguyeãn Vaên Nghi, Quaän Goø Vaáp KHU VÖÏC ÑOÂNG NAM BOÄ Phoøng giao dòch Bình Döông 16-17 Loâ C2 Laøng Chuyeân gia Ruby Land, Khu ñoâ thò Myõ Phöôùc II, Huyeän Beán Caùt, Tænh Bình Döông Phoøng giao dòch Vuõng Taøu 9Q Löông Theá Vinh, Thaønh phoá Vuõng Taøu A4/443 Buøi Höõu Nghóa, Phöôøng Taân Vaïn, Phoøng giao dòch Ñoàng Nai Thaønh phoá Bieân Hoøa, Tænh Ñoàng Nai A11 Khu phoá Thöông Maïi, Ñöôøng 30-4, Phoøng giao dòch Taây Ninh Khu phoá 1, Phöôøng 3 , TXTaây Ninh KHU VÖÏC TAÂY NAM BOÄ Leã khai tröông Phoøng Giao Dòch Thanh Xuaân - Haø Noäi Phoøng giao dòch Long An 13-15 Ñöôøng soá 5B, Thò xaõ Taân An, Tænh Long An32 Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh 33
  • 34. MESSAGE FROM THE CHAIRMAN OF THE BOARD OF DIRECTORS Vitality for a new stage Ladies and Gentlemen, First of all, I would like to share with you – the respected shareholders of Gia Dinh Commercial Joint Stock Bank (Gia Dinh Bank) the achievements obtained during the year 2007. For business activities, Gia Dinh Bank has fulfilled successfully all the targets set by the General Meeting of Shareholders with the ultimate result being the profit before tax exceeded the planned figure. And also in the year 2007, Gia Dinh Bank has signed an agreement on strategic investment and co-operation with Vietcombank, further creating a solid foundation for the development of Gia Dinh Bank. Hence, although having to face a lot of hard and challenging tasks set for the year 2008; I do believe that, with the great effort from the Board of Directors, the Board of Management and all the bank staff along with the practical and long-term support from the strategic shareholders, Gia Dinh Bank will be developed into a strong commercial bank being highly competitive in the banking industry in Vietnam. In 2008 and in the coming years, Gia Dinh Bank will continue its oriented development plan, always create a favourable working environment and focus on step-by-step improving the banking management according to ISO standards and developing Gia Dinh Bank into a strong brand name. To achieve these targets, the Board of Directors has always had proper care for and provided close guidance to the Board of Management about the bank’s operations in order to efficiently implement the resolutions set out by the General Meeting of Shareholders. On behalf of the Board of Directors, I would like to express my sincere thanks for the kind attention and help from the State Bank of Vietnam and the local government at all levels; for the valuable contribution and support from respected shareholders; and especially for the trust of distinguished customers having co-operated and closely attached to Gia Dinh Bank during the past 15 years. Such kind confidence and support are surely the strong motivation and belief leading our Gia Dinh Bank to steadily move forward on its new itinerary. Therefore, in the coming time, your further support and co-operation will be the essential factor that fosters the development of Gia Dinh Bank to a highly competitive bank in Vietnam. In addition, I also would like to express my special thanks to the whole-hearted effort and strong attachment of all the bank staff during the past years and especially in the year 2007. CHAIRMAN NGUYEN VAN SE34 Gia Dinh Bank Gia Dinh Bank 35
  • 35. MESSAGE FROM THE CHAIRMAN OF THE BOARD OF DIRECTORS Vitality for a new stage Ladies and Gentlemen, First of all, I would like to share with you – the respected shareholders of Gia Dinh Commercial Joint Stock Bank (Gia Dinh Bank) the achievements obtained during the year 2007. For business activities, Gia Dinh Bank has fulfilled successfully all the targets set by the General Meeting of Shareholders with the ultimate result being the profit before tax exceeded the planned figure. And also in the year 2007, Gia Dinh Bank has signed an agreement on strategic investment and co-operation with Vietcombank, further creating a solid foundation for the development of Gia Dinh Bank. Hence, although having to face a lot of hard and challenging tasks set for the year 2008; I do believe that, with the great effort from the Board of Directors, the Board of Management and all the bank staff along with the practical and long-term support from the strategic shareholders, Gia Dinh Bank will be developed into a strong commercial bank being highly competitive in the banking industry in Vietnam. In 2008 and in the coming years, Gia Dinh Bank will continue its oriented development plan, always create a favourable working environment and focus on step-by-step improving the banking management according to ISO standards and developing Gia Dinh Bank into a strong brand name. To achieve these targets, the Board of Directors has always had proper care for and provided close guidance to the Board of Management about the bank’s operations in order to efficiently implement the resolutions set out by the General Meeting of Shareholders. On behalf of the Board of Directors, I would like to express my sincere thanks for the kind attention and help from the State Bank of Vietnam and the local government at all levels; for the valuable contribution and support from respected shareholders; and especially for the trust of distinguished customers having co-operated and closely attached to Gia Dinh Bank during the past 15 years. Such kind confidence and support are surely the strong motivation and belief leading our Gia Dinh Bank to steadily move forward on its new itinerary. Therefore, in the coming time, your further support and co-operation will be the essential factor that fosters the development of Gia Dinh Bank to a highly competitive bank in Vietnam. In addition, I also would like to express my special thanks to the whole-hearted effort and strong attachment of all the bank staff during the past years and especially in the year 2007. CHAIRMAN NGUYEN VAN SE34 Gia Dinh Bank Gia Dinh Bank 35
  • 36. PART I OPERATIONAL HISTORY OF THE BANK 1/ IMPORTANT EVENTS 1.1 Establishment Gia Dinh Commercial Joint Stock Bank (hereinafter called “Gia Dinh Bank”) was incorporated and operated under the license No. 0025/NH-GP dated 22 August 1992 granted by the Governor of the State Bank of Vietnam and the license No. 576/GP-UB dated 08 October 1992 granted by the Ho Chi Minh City People’s Committee. 1.2 Other events May 1994: In Gia Dinh Bank the case of “Thai Kim Lieng and her accomplices” took place. Some key persons of the former Board of Directors and the Board of Management were prosecuted and imprisoned for their serious violations of regulations on control and management of the bank’s operations. Such an important event pushed Gia Dinh Bank to face the brink of bankruptcy and many other great challenges and difficulties as follows: its financial loss was more than VND 63 billion while its chartered capital was only VND 20.104 billion, of which VND 19.644 billion was “unreal”; the remaining capital was also nothing left due to such a great loss; the “unreal” outstanding loans accounting for over 95% of the total outstanding loans; the cash fund was empty; almost all of its operating offices were rented; the great pressure of a “bank run” and moreover, the mass job leave of quite a few bank employees... August 1994: The new Management of the bank (being the cadre of high-level banking background transferred from some other commercial banks in Ho Chi Minh City area) officially took over Gia Dinh Bank and was assigned with both challenging and burdensome tasks at the same time: solving the serious consequences of such a crisis and ensuring the stabilization and development of the bank. From 1994 - 2004: ten years of consolidating and strengthening the operations of the bank. Thanks to the timely guidance of the Party Committee and the People’s Committee of Ho Chi Minh city, the approval of the State Bank of Vietnam (SBV) to apply some situation-solving measures, especially a special loan of VND 26 billion from SBV along with the valuable support of 16 commercial banks which contributed VND 25.5 billion of capital as well as the whole-hearted effort of all the bank’s staff and the new Management, Gia Dinh Bank gradually overcame such challenging difficulties and stabilized its operations. 2005: The turn-around year, with its chartered capital of VND 80billion, marked an important milestone in the development history of Gia Dinh Bank: the “unreal” charted capital was cleared, the existing one was higher than the legal capital stipulated by the State. 2006: Starting the development ° The chartered capital was increased to VND 210 billion. In this year, Gia Dinh Bank signed an agreement ° The imbalances of the financial situation were completely eradicated and for the first time, Gia Dinh Bank on strategic investment and co-operation distributed its dividends at the rate of 7%. ° The new Head office of the bank at 135 Phan Dang Luu, Phu Nhuan District, HCMC was inaugurated. with Vietcombank. Accordingly, Vietcombank ° In the year 2006, the bank was ranked 19th over 29 commercial banks in the whole country in terms of being committed frequently maintaining its shareholding ready for development and application of information technology in banking voted by the Vietnamese Association of Information Technology. capital rate at 30%, becoming the only strategic 2007: Continuing its oriented development shareholder of Gia Dinh Bank and providing ° In the year 2007, the bank’s chartered capital was increased to VND 444.623 billion. comprehensive support in order to turn Gia Dinh ° n this year, Gia Dinh Bank signed an agreement on strategic investment and co-operation with Vietcombank. I Accordingly, Vietcombank committed frequently maintaining its shareholding capital rate at 30%, becoming the Bank into a highly competitive commercial bank only strategic shareholder of Gia Dinh Bank and providing comprehensive support in order to turn Gia Dinh Bank in Vietnam. into a highly competitive commercial bank in Vietnam. ° The bank’s operation network was expanded to the big cities in the North, the South, the West and the Western Highlands of the country ° The bank was also awarded “The golden cup of brand and trademark” for the second time in 2007 by the Vietnam Medium and Small Enterprises Association, the Union of Vietnamese Co-operatives and the Southeast Asia Sciences Association ° In the year 2007, the bank was awarded the certificate of merit by the Vietnam Banks Association. ° The bank was also recognized the title of “Vietnamese enterprises having high prestige and quality in 2007” by the Institute of Knowledge and Technology management, the Asia-Pacific Research Center, the Vinexad ° Gia Dinh Bank rated itself at the ‘A’ class as stipulated by the State Bank of Vietnam.36 Gia Dinh Bank Gia Dinh Bank 37
  • 37. PART I OPERATIONAL HISTORY OF THE BANK 1/ IMPORTANT EVENTS 1.1 Establishment Gia Dinh Commercial Joint Stock Bank (hereinafter called “Gia Dinh Bank”) was incorporated and operated under the license No. 0025/NH-GP dated 22 August 1992 granted by the Governor of the State Bank of Vietnam and the license No. 576/GP-UB dated 08 October 1992 granted by the Ho Chi Minh City People’s Committee. 1.2 Other events May 1994: In Gia Dinh Bank the case of “Thai Kim Lieng and her accomplices” took place. Some key persons of the former Board of Directors and the Board of Management were prosecuted and imprisoned for their serious violations of regulations on control and management of the bank’s operations. Such an important event pushed Gia Dinh Bank to face the brink of bankruptcy and many other great challenges and difficulties as follows: its financial loss was more than VND 63 billion while its chartered capital was only VND 20.104 billion, of which VND 19.644 billion was “unreal”; the remaining capital was also nothing left due to such a great loss; the “unreal” outstanding loans accounting for over 95% of the total outstanding loans; the cash fund was empty; almost all of its operating offices were rented; the great pressure of a “bank run” and moreover, the mass job leave of quite a few bank employees... August 1994: The new Management of the bank (being the cadre of high-level banking background transferred from some other commercial banks in Ho Chi Minh City area) officially took over Gia Dinh Bank and was assigned with both challenging and burdensome tasks at the same time: solving the serious consequences of such a crisis and ensuring the stabilization and development of the bank. From 1994 - 2004: ten years of consolidating and strengthening the operations of the bank. Thanks to the timely guidance of the Party Committee and the People’s Committee of Ho Chi Minh city, the approval of the State Bank of Vietnam (SBV) to apply some situation-solving measures, especially a special loan of VND 26 billion from SBV along with the valuable support of 16 commercial banks which contributed VND 25.5 billion of capital as well as the whole-hearted effort of all the bank’s staff and the new Management, Gia Dinh Bank gradually overcame such challenging difficulties and stabilized its operations. 2005: The turn-around year, with its chartered capital of VND 80billion, marked an important milestone in the development history of Gia Dinh Bank: the “unreal” charted capital was cleared, the existing one was higher than the legal capital stipulated by the State. 2006: Starting the development ° The chartered capital was increased to VND 210 billion. In this year, Gia Dinh Bank signed an agreement ° The imbalances of the financial situation were completely eradicated and for the first time, Gia Dinh Bank on strategic investment and co-operation distributed its dividends at the rate of 7%. ° The new Head office of the bank at 135 Phan Dang Luu, Phu Nhuan District, HCMC was inaugurated. with Vietcombank. Accordingly, Vietcombank ° In the year 2006, the bank was ranked 19th over 29 commercial banks in the whole country in terms of being committed frequently maintaining its shareholding ready for development and application of information technology in banking voted by the Vietnamese Association of Information Technology. capital rate at 30%, becoming the only strategic 2007: Continuing its oriented development shareholder of Gia Dinh Bank and providing ° In the year 2007, the bank’s chartered capital was increased to VND 444.623 billion. comprehensive support in order to turn Gia Dinh ° n this year, Gia Dinh Bank signed an agreement on strategic investment and co-operation with Vietcombank. I Accordingly, Vietcombank committed frequently maintaining its shareholding capital rate at 30%, becoming the Bank into a highly competitive commercial bank only strategic shareholder of Gia Dinh Bank and providing comprehensive support in order to turn Gia Dinh Bank in Vietnam. into a highly competitive commercial bank in Vietnam. ° The bank’s operation network was expanded to the big cities in the North, the South, the West and the Western Highlands of the country ° The bank was also awarded “The golden cup of brand and trademark” for the second time in 2007 by the Vietnam Medium and Small Enterprises Association, the Union of Vietnamese Co-operatives and the Southeast Asia Sciences Association ° In the year 2007, the bank was awarded the certificate of merit by the Vietnam Banks Association. ° The bank was also recognized the title of “Vietnamese enterprises having high prestige and quality in 2007” by the Institute of Knowledge and Technology management, the Asia-Pacific Research Center, the Vinexad ° Gia Dinh Bank rated itself at the ‘A’ class as stipulated by the State Bank of Vietnam.36 Gia Dinh Bank Gia Dinh Bank 37
  • 38. PROFIT Million 2. DEVELOPMENT PROCESS 215783 2.1 Main business operations Mobilizing short-term, medium-term and long-term funds: demand deposit, term deposit, certificate of deposit; receiving the capital for investment and development; borrowing from other credit organizations; granting short- term, medium-term and long-term loans; discounting commercial papers, bonds and valuable papers; contributing capital and entering into joint venture in accordance with the prevailing regulations; providing domestic and 114751 international payment services to customers; trading in gold and foreign currency; mobilizing foreign capital and providing other banking services in co-operation with foreign banks when being approved by the State Bank; 117239 providing pawning services. 2.2 Operation performance 63565 Over its 15 years of establishment and development, Gia Dinh Bank has obtained remarkable achievements when 51210 it successfully resolved the serious consequences of the case of “Thai Kim Lieng and her accomplices” and at the same time step-by-step stabilized its operation and growth. And the most convincing evidence for these 42103 achievements has been the astonishing financial ratios of Gia Dinh Bank during the latest years: TOTAL ASSETS CHARTERED CAPITAL 2005 2006 2007 Million Million Income from 2005-2007 2500000 500000 Expenses from 2005-2007 444623 450000 2036415 2000000 400000 3. DEVELOPMENT ORIENTATION 350000 1500000 300000 3.1 Key objectives for 2008 Growth rate compared with the year 2007 250000 210000 - Total assets : VND 3,110 billion 53% 1000000 200000 - Mobilized capital : VND 1,920 billion 53% 783873 150000 - Outstanding loans : VND 1,800 billion 71% 502687 (The actual outstanding loans can be adjusted in line with the regulations 500000 100000 80000 of the State Bank). 50000 - Business performance : 0 0 + Gross income : VND 326.8 billion 51% 2005 2006 2007 2005 2006 2007 + Total expenses : VND 229.8 billion 100% + Profit before tax : VND 97 billion 130% - Number of employees : 490 people 127% MOBILIZED CAPITAL OUTSTANDING LOANS 3.2 Medium and long-term development strategy With the advantage of having some commercial banks as legal person Million Million shareholders, especially its strategic shareholder-Vietcombank-committed 1400000 1200000 providing the comprehensive support, Gia Dinh Bank has strategically 1257161 1051172 oriented to become a retail bank with a widespread network, develop a 1200000 1000000 wide range of banking services, products and provide more banking facilities based on the application of advanced information technology. The bank shall 1000000 ensure a fast, safe and controlled growth realized by an enthusiastic staff 800000 who have ethical and professional qualifications to carry out its development 800000 strategy and business plan in the best way. 600000 521006 600000 533490 With such a high-growth-rate development strategy and with the capital support 400000 390211 from its strategic shareholder, Vietcombank, the business performance of 389470 400000 Gia Dinh Bank by 2010 will have been estimated as follows: 200000 200000 + Chartered capital : VND 4,000 billion 0 0 + Total assets : VND 19,500 billion 2005 2006 2007 2005 2006 2007 + Mobilized capital : VND 15,000 billion + Outstanding loans : VND 12,000 billion38 Gia Dinh Bank Gia Dinh Bank 39
  • 39. PROFIT Million 2. DEVELOPMENT PROCESS 215783 2.1 Main business operations Mobilizing short-term, medium-term and long-term funds: demand deposit, term deposit, certificate of deposit; receiving the capital for investment and development; borrowing from other credit organizations; granting short- term, medium-term and long-term loans; discounting commercial papers, bonds and valuable papers; contributing capital and entering into joint venture in accordance with the prevailing regulations; providing domestic and 114751 international payment services to customers; trading in gold and foreign currency; mobilizing foreign capital and providing other banking services in co-operation with foreign banks when being approved by the State Bank; 117239 providing pawning services. 2.2 Operation performance 63565 Over its 15 years of establishment and development, Gia Dinh Bank has obtained remarkable achievements when 51210 it successfully resolved the serious consequences of the case of “Thai Kim Lieng and her accomplices” and at the same time step-by-step stabilized its operation and growth. And the most convincing evidence for these 42103 achievements has been the astonishing financial ratios of Gia Dinh Bank during the latest years: TOTAL ASSETS CHARTERED CAPITAL 2005 2006 2007 Million Million Income from 2005-2007 2500000 500000 Expenses from 2005-2007 444623 450000 2036415 2000000 400000 3. DEVELOPMENT ORIENTATION 350000 1500000 300000 3.1 Key objectives for 2008 Growth rate compared with the year 2007 250000 210000 - Total assets : VND 3,110 billion 53% 1000000 200000 - Mobilized capital : VND 1,920 billion 53% 783873 150000 - Outstanding loans : VND 1,800 billion 71% 502687 (The actual outstanding loans can be adjusted in line with the regulations 500000 100000 80000 of the State Bank). 50000 - Business performance : 0 0 + Gross income : VND 326.8 billion 51% 2005 2006 2007 2005 2006 2007 + Total expenses : VND 229.8 billion 100% + Profit before tax : VND 97 billion 130% - Number of employees : 490 people 127% MOBILIZED CAPITAL OUTSTANDING LOANS 3.2 Medium and long-term development strategy With the advantage of having some commercial banks as legal person Million Million shareholders, especially its strategic shareholder-Vietcombank-committed 1400000 1200000 providing the comprehensive support, Gia Dinh Bank has strategically 1257161 1051172 oriented to become a retail bank with a widespread network, develop a 1200000 1000000 wide range of banking services, products and provide more banking facilities based on the application of advanced information technology. The bank shall 1000000 ensure a fast, safe and controlled growth realized by an enthusiastic staff 800000 who have ethical and professional qualifications to carry out its development 800000 strategy and business plan in the best way. 600000 521006 600000 533490 With such a high-growth-rate development strategy and with the capital support 400000 390211 from its strategic shareholder, Vietcombank, the business performance of 389470 400000 Gia Dinh Bank by 2010 will have been estimated as follows: 200000 200000 + Chartered capital : VND 4,000 billion 0 0 + Total assets : VND 19,500 billion 2005 2006 2007 2005 2006 2007 + Mobilized capital : VND 15,000 billion + Outstanding loans : VND 12,000 billion38 Gia Dinh Bank Gia Dinh Bank 39
  • 40. PART II REPORT OF THE BOARD OF DIRECTORS The Periodic Meeting of Board of Directors 1/ HIGHLIGHTS IN 2007 PERFORMANCE During 2007, Gia Dinh Bank has obtained some remarkable results as follows: Unit: VND million Targets 2006 2007 Growth (%) Total assets 783,873 2,036,415 160 Outstanding loans 521,006 1,051,172 102 Mobilized capital 533,490 1,257,161 136 Profit before tax 19,323 101,03 423 Operation network 05 units 20 units 300 2. PERFORMANCE IN COMPARISON WITH PLAN TARGETS Unit: VND million Items Plan Performance Comparison (%) Total assets - 2,036,415 - Mobilized capital 586,000 1,257,161 215 Outstanding loans 782,000 1,051,172 134 Profit before tax - 101,032 - - From operating activities 42,000 42,202 100.5 - From sales of land in Vung Tau - 58,830 - 3. MAJOR CHANGES DURING THE YEAR In the general trend of integration, it is essential for economic groups and organizations to co-operate for survival and development. Acknowledging this trend, the Board of Directors has unanimously submitted to the General Meeting of Shareholders of Gia Dinh Bank for approving the selection of Vietcombank as the only strategic shareholders with its capital contribution rate maintained at 30% of the total chartered capital of Gia Dinh Bank. Vietcombank has also committed to provide Gia Dinh Bank with practical and long-term supports and, in the short- term has appointed 3 members to the Board of Directors and the Supervisory Board in order to supplement and enhance the power of these Boards. 4. PROSPECT AND PLAN IN THE FUTURE With the whole-hearted effort of the Management and all staff members of Gia Dinh Bank along with the practical and long-term support from its strategic shareholder, Vietcombank, and by the focus on improvement of theits banking management and operation in line with ISO standards, it is surely that Gia Dinh Bank will rapidly develop into a highly competitive commercial bank in Vietnam in the near future. The Board of Directors always stands shoulder to shoulder with the Board of Management to implement successfully the set development strategy and turn Gia Dinh Bank into a powerful brand name.40 Gia Dinh Bank Gia Dinh Bank 41
  • 41. PART II REPORT OF THE BOARD OF DIRECTORS The Periodic Meeting of Board of Directors 1/ HIGHLIGHTS IN 2007 PERFORMANCE During 2007, Gia Dinh Bank has obtained some remarkable results as follows: Unit: VND million Targets 2006 2007 Growth (%) Total assets 783,873 2,036,415 160 Outstanding loans 521,006 1,051,172 102 Mobilized capital 533,490 1,257,161 136 Profit before tax 19,323 101,03 423 Operation network 05 units 20 units 300 2. PERFORMANCE IN COMPARISON WITH PLAN TARGETS Unit: VND million Items Plan Performance Comparison (%) Total assets - 2,036,415 - Mobilized capital 586,000 1,257,161 215 Outstanding loans 782,000 1,051,172 134 Profit before tax - 101,032 - - From operating activities 42,000 42,202 100.5 - From sales of land in Vung Tau - 58,830 - 3. MAJOR CHANGES DURING THE YEAR In the general trend of integration, it is essential for economic groups and organizations to co-operate for survival and development. Acknowledging this trend, the Board of Directors has unanimously submitted to the General Meeting of Shareholders of Gia Dinh Bank for approving the selection of Vietcombank as the only strategic shareholders with its capital contribution rate maintained at 30% of the total chartered capital of Gia Dinh Bank. Vietcombank has also committed to provide Gia Dinh Bank with practical and long-term supports and, in the short- term has appointed 3 members to the Board of Directors and the Supervisory Board in order to supplement and enhance the power of these Boards. 4. PROSPECT AND PLAN IN THE FUTURE With the whole-hearted effort of the Management and all staff members of Gia Dinh Bank along with the practical and long-term support from its strategic shareholder, Vietcombank, and by the focus on improvement of theits banking management and operation in line with ISO standards, it is surely that Gia Dinh Bank will rapidly develop into a highly competitive commercial bank in Vietnam in the near future. The Board of Directors always stands shoulder to shoulder with the Board of Management to implement successfully the set development strategy and turn Gia Dinh Bank into a powerful brand name.40 Gia Dinh Bank Gia Dinh Bank 41
  • 42. PART III REPORT OF THE GENERAL DIRECTOR 1. FINANCIAL POSITION 1.1 Profitability Items Year 2005 Year 2006 Year 2007 Profit after tax/average chartered capital 18.03% 9.83% 24.14% Return on equity (ROE) 15.21% 9.15% 23.05% Return on total assets (ROA) 1.66% 1.52% 3.16% During 2007, despite the strong growth in its total assets (increasing by 160%) and chartered capital (increasing by 112%), the profitability ratios of Gia Dinh Bank still remained at a quite high growth rate. Such a performance shows that the operations of Gia Dinh Bank has more and more developed. 1.2 Liquidity Board of General Directors Items Year 2005 Year 2006 Year 2007 ° The total outstanding loans as of 31 December 2007 were VND 1,051,172 million, increasing by 101.8% as compared Current ratio (times) 4.25 3.04 2.32 with those of the year 2006 and reaching 134% of the plan. The average outstanding loans were VND 716,870 Ratio of short-term funds used for medium and long-term million, 70.8% up in comparison with those of 2006. 0 0 0 loans (%) ° Business results of the year 2007: Profit before tax was VND 101,032 million, increasing by VND 81,709 million, (423% up) as compared to that of 2006. These statistical figures show that Gia Dinh Bank has always maintained its liquidity at a ° he safety ratios including the capital adequacy ratio (CAR), liquidity ratio , the proportion of short-term capital T highly secure level. used for medium and long-term loans, etc, have been strictly performed in compliance with the regulations of the 1.3 Analysis on safety ratios in the bank’s operation State Bank. The Capital adequacy ratio (CAR) of Gia Dinh Bank as of 31 December 2007 stood at 77.90%. The 3/ ACHIEVEMENTS OF GIA DINH BANK bank’s CAR has always been ensured to abide by the regulation stipulated by the State Bank. Although the outstanding loans of Gia Dinh Bank in 2007 made a considerable increase in 3.1 Renovations on bank organization structure, policy and management comparison with those of the year 2006 (increase of 102%), the proportion of bad debts only ° To meet the demand of expanding its operation, Gia Dinh Bank, in the year 2007, has restructured its organization accounted for 0.44% of total outstanding loans. However, all these bad debts have been secured at the head office to satisfy the requirements of new conditions. The bank has split and established some new by legal collaterals and are very likely to be recovered. specially responsible departments and sections: Asset Valuation, Marketing, Legal, Investment... At the same time, the bank has also recruited, trained, arranged and appointed the right staff to the right assignment to ensure 1.4 Analysis on major changes compared with plan and causes of these changes the highest effective operation of the bank. The total number of staff in the year 2007 has doubled the number of In 2007, Gia Dinh Bank planned to issue VND 500 billion of convertible bonds. However, this the year 2006. plan was unable to be realized due to not having enough time for implementing (it was approved ° Additionally, developing new products and services has always been the top-priority concern of Gia Dinh Bank. In nearly at the end of 2007 by the State Bank and the State Securities Commission of Vietnam). 2007, the bank has, on one hand, improved its existing products and services, and on the other hand, developed 1.5 Changes in share capital new products and services, including Mobile Banking, Phone Banking, factoring, project lending, flexible promotion In the year 2007, Gia Dinh Bank increased its capital in 02 series in order to enhance its savings deposit, etc. to diversify its range of products and services and, ultimately, to best serve customers. financial capacity and to meet its operation growth. Its chartered capital as at the end of 2007 Moreover, Gia Dinh Bank has been performing necessary procedures to join the card alliance system of its was VND 444.623 billion (in which, the share capital of the strategic shareholders, Vietcombank, strategic shareholder, Vietcombank, and plans to issue “Gia Dinh Bank Card” in the year 2008. accounting for 30%). ° In 2007, Gia Dinh Bank has been approved by the State Bank to open branches in big cities in the North, South, West and West Highlands as well as to open some other transaction offices, which will help to realize the objective 1.6 Number of outstanding shares of expanding its operation network all over the country. Gia Dinh Bank has only issued common shares and as of 31 December 2007, the total number of outstanding shares was 44,462,300. 3.2 Controlling measures ° The risk management in banking operations has always been the top priority concern of the Management of 1.7 Dividends Gia Dinh Bank. Therefore, the Risk management section, under the direct supervision of the General Director, Gia Dinh Bank has distributed dividends to its shareholders in cash at the rate as follows: has been established with the responsibilities of regularly monitoring and assessing the safety ratios in banking - Shareholders holding shares issued before and on 18 July 2005: 59.24%. operations to give timely proposals where necessary to prevent and minimize risks for the bank. - Shareholders holding shares issued after 18 July 2005 to 31 December 2007: 12.59%. ° The authority to approve credit lines has been assigned to each manager of department, branches and transaction 2/ BUSINESS PERFORMANCE offices. However, depending on the scale and risk of each loan given, the related credit line will be considered The operation ratios of Gia Dinh Bank in the year 2007 increased in comparison with those of and approved by the Credit committee. the previous year, with details as follows: ° Gia Dinh Bank has always focussed on upgrading and improving its internal control and supervision system. On ° The total assets as of 31 December 2007 were VND 2,036,415 million, increasing by VND one hand, the Supervisory Board has actively developed its function and operation; on the other hand, the internal 1,252,542 million as compared with those as of 31 December 2006 (i.e. 159.8% up). control and supervision department is mainly responsible for directly supervising and controlling the operations of ° The total capital mobilized as of 31 December 2007 was VND 1,257,161 million, increasing by all units in the network of Gia Dinh Bank. 135,6% against that of the year 2006 and reached 215% compared to the plan. The average ° The Legal Section keeps updating, reviewing, amending and supplementing the regulations on operation and mobilized capital balance reached VND 764,686 million, 71.3% up as compared to that of the transaction procedures of the bank to ensure the appropriateness with the real situation, the safety in operation year 2006. and the compliance with the prevailing legal regulations.42 Gia Dinh Bank Gia Dinh Bank 43
  • 43. PART III REPORT OF THE GENERAL DIRECTOR 1. FINANCIAL POSITION 1.1 Profitability Items Year 2005 Year 2006 Year 2007 Profit after tax/average chartered capital 18.03% 9.83% 24.14% Return on equity (ROE) 15.21% 9.15% 23.05% Return on total assets (ROA) 1.66% 1.52% 3.16% During 2007, despite the strong growth in its total assets (increasing by 160%) and chartered capital (increasing by 112%), the profitability ratios of Gia Dinh Bank still remained at a quite high growth rate. Such a performance shows that the operations of Gia Dinh Bank has more and more developed. 1.2 Liquidity Board of General Directors Items Year 2005 Year 2006 Year 2007 ° The total outstanding loans as of 31 December 2007 were VND 1,051,172 million, increasing by 101.8% as compared Current ratio (times) 4.25 3.04 2.32 with those of the year 2006 and reaching 134% of the plan. The average outstanding loans were VND 716,870 Ratio of short-term funds used for medium and long-term million, 70.8% up in comparison with those of 2006. 0 0 0 loans (%) ° Business results of the year 2007: Profit before tax was VND 101,032 million, increasing by VND 81,709 million, (423% up) as compared to that of 2006. These statistical figures show that Gia Dinh Bank has always maintained its liquidity at a ° he safety ratios including the capital adequacy ratio (CAR), liquidity ratio , the proportion of short-term capital T highly secure level. used for medium and long-term loans, etc, have been strictly performed in compliance with the regulations of the 1.3 Analysis on safety ratios in the bank’s operation State Bank. The Capital adequacy ratio (CAR) of Gia Dinh Bank as of 31 December 2007 stood at 77.90%. The 3/ ACHIEVEMENTS OF GIA DINH BANK bank’s CAR has always been ensured to abide by the regulation stipulated by the State Bank. Although the outstanding loans of Gia Dinh Bank in 2007 made a considerable increase in 3.1 Renovations on bank organization structure, policy and management comparison with those of the year 2006 (increase of 102%), the proportion of bad debts only ° To meet the demand of expanding its operation, Gia Dinh Bank, in the year 2007, has restructured its organization accounted for 0.44% of total outstanding loans. However, all these bad debts have been secured at the head office to satisfy the requirements of new conditions. The bank has split and established some new by legal collaterals and are very likely to be recovered. specially responsible departments and sections: Asset Valuation, Marketing, Legal, Investment... At the same time, the bank has also recruited, trained, arranged and appointed the right staff to the right assignment to ensure 1.4 Analysis on major changes compared with plan and causes of these changes the highest effective operation of the bank. The total number of staff in the year 2007 has doubled the number of In 2007, Gia Dinh Bank planned to issue VND 500 billion of convertible bonds. However, this the year 2006. plan was unable to be realized due to not having enough time for implementing (it was approved ° Additionally, developing new products and services has always been the top-priority concern of Gia Dinh Bank. In nearly at the end of 2007 by the State Bank and the State Securities Commission of Vietnam). 2007, the bank has, on one hand, improved its existing products and services, and on the other hand, developed 1.5 Changes in share capital new products and services, including Mobile Banking, Phone Banking, factoring, project lending, flexible promotion In the year 2007, Gia Dinh Bank increased its capital in 02 series in order to enhance its savings deposit, etc. to diversify its range of products and services and, ultimately, to best serve customers. financial capacity and to meet its operation growth. Its chartered capital as at the end of 2007 Moreover, Gia Dinh Bank has been performing necessary procedures to join the card alliance system of its was VND 444.623 billion (in which, the share capital of the strategic shareholders, Vietcombank, strategic shareholder, Vietcombank, and plans to issue “Gia Dinh Bank Card” in the year 2008. accounting for 30%). ° In 2007, Gia Dinh Bank has been approved by the State Bank to open branches in big cities in the North, South, West and West Highlands as well as to open some other transaction offices, which will help to realize the objective 1.6 Number of outstanding shares of expanding its operation network all over the country. Gia Dinh Bank has only issued common shares and as of 31 December 2007, the total number of outstanding shares was 44,462,300. 3.2 Controlling measures ° The risk management in banking operations has always been the top priority concern of the Management of 1.7 Dividends Gia Dinh Bank. Therefore, the Risk management section, under the direct supervision of the General Director, Gia Dinh Bank has distributed dividends to its shareholders in cash at the rate as follows: has been established with the responsibilities of regularly monitoring and assessing the safety ratios in banking - Shareholders holding shares issued before and on 18 July 2005: 59.24%. operations to give timely proposals where necessary to prevent and minimize risks for the bank. - Shareholders holding shares issued after 18 July 2005 to 31 December 2007: 12.59%. ° The authority to approve credit lines has been assigned to each manager of department, branches and transaction 2/ BUSINESS PERFORMANCE offices. However, depending on the scale and risk of each loan given, the related credit line will be considered The operation ratios of Gia Dinh Bank in the year 2007 increased in comparison with those of and approved by the Credit committee. the previous year, with details as follows: ° Gia Dinh Bank has always focussed on upgrading and improving its internal control and supervision system. On ° The total assets as of 31 December 2007 were VND 2,036,415 million, increasing by VND one hand, the Supervisory Board has actively developed its function and operation; on the other hand, the internal 1,252,542 million as compared with those as of 31 December 2006 (i.e. 159.8% up). control and supervision department is mainly responsible for directly supervising and controlling the operations of ° The total capital mobilized as of 31 December 2007 was VND 1,257,161 million, increasing by all units in the network of Gia Dinh Bank. 135,6% against that of the year 2006 and reached 215% compared to the plan. The average ° The Legal Section keeps updating, reviewing, amending and supplementing the regulations on operation and mobilized capital balance reached VND 764,686 million, 71.3% up as compared to that of the transaction procedures of the bank to ensure the appropriateness with the real situation, the safety in operation year 2006. and the compliance with the prevailing legal regulations.42 Gia Dinh Bank Gia Dinh Bank 43
  • 44. 4/ BUSINESS PLAN DEVELOPING IN THE FUTURE ° In the year 2007, Gia Dinh Bank has successfully performed the tasks assigned by the General Meeting of Shareholders. This has created a solid pre-condition for Gia Dinh Bank to continue moving forward under the motto of“ Safety, Efficiency, Sustainability”: high growth rate, maintaining its financial ratios at a highly safe level and keeping expansion of the operation scale and network. In 2008, the bank’s chartered capital is planned to increase to VND 1,000 billion, ensuring the legal capital requirement as stipulated by the State Bank of Vietnam. ° Beside upgrading and improving its existing products and services, Gia Dinh Bank will focus on developing new products and services by applying modern banking technology to further increase its fee-based income. At the same time, Gia Dinh Bank will continue implementing its marketing strategy, enhancing the promotion of its image and brand, bringing the name of Gia Dinh Bank closer and closer to customers inside and outside the country. Profit before tax 101.032 VND million44 Gia Dinh Bank Ngaân haøng Thöông maïi Coå Gia n GiaBank phaà Dinh Ñònh 45 45
  • 45. 4/ BUSINESS PLAN DEVELOPING IN THE FUTURE ° In the year 2007, Gia Dinh Bank has successfully performed the tasks assigned by the General Meeting of Shareholders. This has created a solid pre-condition for Gia Dinh Bank to continue moving forward under the motto of“ Safety, Efficiency, Sustainability”: high growth rate, maintaining its financial ratios at a highly safe level and keeping expansion of the operation scale and network. In 2008, the bank’s chartered capital is planned to increase to VND 1,000 billion, ensuring the legal capital requirement as stipulated by the State Bank of Vietnam. ° Beside upgrading and improving its existing products and services, Gia Dinh Bank will focus on developing new products and services by applying modern banking technology to further increase its fee-based income. At the same time, Gia Dinh Bank will continue implementing its marketing strategy, enhancing the promotion of its image and brand, bringing the name of Gia Dinh Bank closer and closer to customers inside and outside the country. Profit before tax 101.032 VND million44 Gia Dinh Bank Ngaân haøng Thöông maïi Coå Gia n GiaBank phaà Dinh Ñònh 45 45
  • 46. PART IV FINANCIAL STATEMENTS BALANCE SHEET Unit: VND million No. Items Year 2007 Year 2006 INCOME STATEMENT A ASSETS For the fiscal year ended 31 December 2007 Unit: VND million I. Cash on hand, gold and gemstone 6,980 7,257 No. Items Naêm 2007 Naêm 2006 II. Deposits at the State Bank of Vietnam 49,651 19,021 1. Interest income and similar income 110,481 62,182 Gold and deposits at other credit organizations and loans III. 727,865 131,184 2. Interest expenses and similar expenses 55,735 35,142 given to other credit organizations IV. Trading securities 84,564 I. Net interest income 54,746 27,040 1. Trading securities 92,158 3. Fee and commission income 2,105 855 2. Provisions for devaluation of securities (7,594) 4. Fee and commission expenses 384 120 VI. Loans given to customers 1,049,078 520,728 II. Net fee and commission income 1,721 735 1. Loans given to customers 1,051,172 521,006 III. Net gain/(loss) from foreign currency trading (92) 205 2. Provisions for loan losses (2,094) (278) IV. Net gain from dealings of trading securities 4,362 949 VII. Investment securities 19,350 19,350 5. Other activities income 90,761 53,048 1. Securities available for sale 19,250 19,250 2. Securities held to maturity dates 100 100 6. Other activities expenses (28,651) (11,800) IX. Fixed assets 40,566 6,184 VI. Net gain from other activities 62,110 41,247 1. Tangible fixed assets 23,609 1,203 VII. Operating expenses 19,892 46,957 - Historical costs 25,887 2,513 IX. Net operating income before loan loss provisions 102,955 23,220 - Accumulated depreciation (2,278) (1,310) X. Loan loss provisions 1,923 3,897 3. Intangible fixed assets 16,957 4,981 XI. Total profit before tax 101,032 19,323 - Historical costs 17,010 5,009 7. Current corporate income tax 36,654 7,403 - Accumulated amortization (53) (28) 8. Deferred corporate income tax - - XI. Other Assets 58,361 80,149 XII. Corporate income tax 36,654 7,403 1. Accounts receivable 45,563 73,702 XIII. Profit after tax 64,378 11,920 2. Accrued interests and fees receivable 10,291 5,747 XV. Earning per share - VND (Face value: VND 10,000/share) 2,457 - 4. Other assets 2,507 700 TOTAL ASSETS 2,036,415 783,873 Ho Chi Minh City, 02 February 2008 B. LIABILITIES AND OWNERS EQUITY Preparer Chief Accountant Deputy General Director I. Borrowings from the State Bank of Vietnam and Government 33,302 (Information discloser) II. Deposits and borrowings from other credit organizations 840,000 168,000 III. Deposits from customers 417,162 332,188 VII. Other liabilities 23,801 20,626 1. Accrued interests and fees payable 10,345 8,354 3. Accounts payable and other liabilities 13,456 12,272 Total liabilities 1,280,963 554,115 VIII. Equity and funds 755,452 229,758 Tran Thi Thu Trang Nguyen Thi Phuong Thu Pham Van Dat 1. Equity of the credit organization 688,634 210,001 a. Chartered capital 444,623 210,000 b. Construction investment fund 1 1 c. Share premium 244,010 2. Funds of the credit organization 2,439 5. Retained earnings 64,378, 19,756 TOTAL LIABILITIES AND OWNERS EQUITY 2,036,415 783,873 OFF-BALANCE SHEET ITEMS Unit: VND million No. Items Year 2007 Year 2006 3. Commitments in transactions of L/C opening 1,401 4. Other guarantees 35446 Gia Dinh Bank Gia Dinh Bank 47
  • 47. PART IV FINANCIAL STATEMENTS BALANCE SHEET Unit: VND million No. Items Year 2007 Year 2006 INCOME STATEMENT A ASSETS For the fiscal year ended 31 December 2007 Unit: VND million I. Cash on hand, gold and gemstone 6,980 7,257 No. Items Naêm 2007 Naêm 2006 II. Deposits at the State Bank of Vietnam 49,651 19,021 1. Interest income and similar income 110,481 62,182 Gold and deposits at other credit organizations and loans III. 727,865 131,184 2. Interest expenses and similar expenses 55,735 35,142 given to other credit organizations IV. Trading securities 84,564 I. Net interest income 54,746 27,040 1. Trading securities 92,158 3. Fee and commission income 2,105 855 2. Provisions for devaluation of securities (7,594) 4. Fee and commission expenses 384 120 VI. Loans given to customers 1,049,078 520,728 II. Net fee and commission income 1,721 735 1. Loans given to customers 1,051,172 521,006 III. Net gain/(loss) from foreign currency trading (92) 205 2. Provisions for loan losses (2,094) (278) IV. Net gain from dealings of trading securities 4,362 949 VII. Investment securities 19,350 19,350 5. Other activities income 90,761 53,048 1. Securities available for sale 19,250 19,250 2. Securities held to maturity dates 100 100 6. Other activities expenses (28,651) (11,800) IX. Fixed assets 40,566 6,184 VI. Net gain from other activities 62,110 41,247 1. Tangible fixed assets 23,609 1,203 VII. Operating expenses 19,892 46,957 - Historical costs 25,887 2,513 IX. Net operating income before loan loss provisions 102,955 23,220 - Accumulated depreciation (2,278) (1,310) X. Loan loss provisions 1,923 3,897 3. Intangible fixed assets 16,957 4,981 XI. Total profit before tax 101,032 19,323 - Historical costs 17,010 5,009 7. Current corporate income tax 36,654 7,403 - Accumulated amortization (53) (28) 8. Deferred corporate income tax - - XI. Other Assets 58,361 80,149 XII. Corporate income tax 36,654 7,403 1. Accounts receivable 45,563 73,702 XIII. Profit after tax 64,378 11,920 2. Accrued interests and fees receivable 10,291 5,747 XV. Earning per share - VND (Face value: VND 10,000/share) 2,457 - 4. Other assets 2,507 700 TOTAL ASSETS 2,036,415 783,873 Ho Chi Minh City, 02 February 2008 B. LIABILITIES AND OWNERS EQUITY Preparer Chief Accountant Deputy General Director I. Borrowings from the State Bank of Vietnam and Government 33,302 (Information discloser) II. Deposits and borrowings from other credit organizations 840,000 168,000 III. Deposits from customers 417,162 332,188 VII. Other liabilities 23,801 20,626 1. Accrued interests and fees payable 10,345 8,354 3. Accounts payable and other liabilities 13,456 12,272 Total liabilities 1,280,963 554,115 VIII. Equity and funds 755,452 229,758 Tran Thi Thu Trang Nguyen Thi Phuong Thu Pham Van Dat 1. Equity of the credit organization 688,634 210,001 a. Chartered capital 444,623 210,000 b. Construction investment fund 1 1 c. Share premium 244,010 2. Funds of the credit organization 2,439 5. Retained earnings 64,378, 19,756 TOTAL LIABILITIES AND OWNERS EQUITY 2,036,415 783,873 OFF-BALANCE SHEET ITEMS Unit: VND million No. Items Year 2007 Year 2006 3. Commitments in transactions of L/C opening 1,401 4. Other guarantees 35446 Gia Dinh Bank Gia Dinh Bank 47
  • 48. PART V 2. INTERNAL AUDITOR’S REPORT On the basis of the figures in 2007 provided by the Accounting Department NOTES TO THE FINANCIAL STATEMENTS AND and audited by Auditing and Accounting Company Limited, the Supervisory Board has the following comments: AUDITOR’S REPORT - Regarding the business results: + Gross income: VND 215,783 billion, increasing by 84% against that of 2006. 1. INDEPENDENT AUDITOR’S REPORT + Total expenses: VND 114,751 billion, increasing by 81% compared to those of 2006. + Profit after tax : VND 64,378 billion, increasing by 440% in comparison with that of 2006. - Regarding assets and liabilities: + Total assets: VND 2,036,415 billion, increasing by 160% compared to those of 2006. + Source of funds: Total amount of mobilized capital from inhabitants and No.: 87/BCKT-AAC Danang City, 27 February 2008 organizations reached VND 1,257,161 billion, increasing by 136% compared to that of 2006. The chartered capital during the year has increased from AUDITORS’ REPORT VND 210 billion to VND 444.623 billion. - Use of funds: Total outstanding loans were VND 1,051,172 billion, in To: Board of Directors which short-term loans accounting for 72.3%, medium and long-term loans and Management Gia Dinh Commercial Joint Stock Bank accounting for 27.7%. The proportion of bad debts was VND 4.6 billion, accounting for 0.44%, increasing by 0.06% in comparison with that of the We, Auditing and Accounting Co., Ltd, have audited the financial statements for the year ended 31 December 2007 same period in the previous year; especially, the bank did not have the loans of Gia Dinh Commercial Joint Stock Bank (“the Bank”) as set out on pages 4 to 27. These financial statements have classified in Group 5. The average outstanding loans were VND 716.870 been prepared in accordance with the Vietnamese Accounting System applicable to credit institutions issued under billion, reaching 110.3% of the set plan and increasing by 71% compared Decision No.16/2007/QD-NHNN dated 18/4/2007 of the Governor of the State Bank of Vietnam and other relevant to those of 2006. regulations on Credit Banking presented in Item No.04 of Notes to the financial Statements. COMMENTS Respective responsibilities of Management and Auditors The year 2007 was an operation year of great challenges and difficulties. These financial statements are the responsibility of the Bank’s Management. Our responsibility is to express an However, Gia Dinh Bank obtained very encouraging achievements thanks to independent opinion based on our audit. the sharp guidance of the Board of Directors and the Board of Management along with the enduring efforts of all bank’s employees. In 2007, beside Basis of opinion exceeding most of the planned targets, Gia Dinh Bank also implemented the We conducted our audit in accordance with the Vietnamese Auditing Standards. Accordingly, we planned and increase of its chartered capital. Despite the fact that such an increase could performed the audit to obtain reasonable assurance about whether the financial statements are free of any material not reach the planned amount ( VND 444.623 billion / VND 500 billion), such misstatement. An audit includes examination, on a test basis, of evidences supporting the amounts and disclosures a move has affirmed the continual effort of Gia Dinh Bank in the process in the financial statements. The audit also includes assessing the accounting principles used and significant upgrading its financial capacity in order to expand the operation network, estimates made by the Bank’s Management, as well as evaluating the overall presentation of financial statement. develop the IT system and the customer service system. All of these will We believe that our audit provides a reasonable basis for our opinion. help Gia Dinh Bank enhance its competitive ability and a solid foundation for the further development and international integration of Gia Dinh Bank Auditors’ opinion in the period 2008-2010. In our opinion, the financial statements present fairly, in all material respects, the financial position of the Bank as of 31 December 2007 and the results of its operations and its cash flows for the year then ended. General Director Auditor Phan Xuan Van Nguyen Thi Anh Nga (CPA’s certificate No.D.0102/KTV) (CPA’s certificate No.D.0809/KTV)48 Gia Dinh Bank Gia Dinh Bank 49
  • 49. PART V 2. INTERNAL AUDITOR’S REPORT On the basis of the figures in 2007 provided by the Accounting Department NOTES TO THE FINANCIAL STATEMENTS AND and audited by Auditing and Accounting Company Limited, the Supervisory Board has the following comments: AUDITOR’S REPORT - Regarding the business results: + Gross income: VND 215,783 billion, increasing by 84% against that of 2006. 1. INDEPENDENT AUDITOR’S REPORT + Total expenses: VND 114,751 billion, increasing by 81% compared to those of 2006. + Profit after tax : VND 64,378 billion, increasing by 440% in comparison with that of 2006. - Regarding assets and liabilities: + Total assets: VND 2,036,415 billion, increasing by 160% compared to those of 2006. + Source of funds: Total amount of mobilized capital from inhabitants and No.: 87/BCKT-AAC Danang City, 27 February 2008 organizations reached VND 1,257,161 billion, increasing by 136% compared to that of 2006. The chartered capital during the year has increased from AUDITORS’ REPORT VND 210 billion to VND 444.623 billion. - Use of funds: Total outstanding loans were VND 1,051,172 billion, in To: Board of Directors which short-term loans accounting for 72.3%, medium and long-term loans and Management Gia Dinh Commercial Joint Stock Bank accounting for 27.7%. The proportion of bad debts was VND 4.6 billion, accounting for 0.44%, increasing by 0.06% in comparison with that of the We, Auditing and Accounting Co., Ltd, have audited the financial statements for the year ended 31 December 2007 same period in the previous year; especially, the bank did not have the loans of Gia Dinh Commercial Joint Stock Bank (“the Bank”) as set out on pages 4 to 27. These financial statements have classified in Group 5. The average outstanding loans were VND 716.870 been prepared in accordance with the Vietnamese Accounting System applicable to credit institutions issued under billion, reaching 110.3% of the set plan and increasing by 71% compared Decision No.16/2007/QD-NHNN dated 18/4/2007 of the Governor of the State Bank of Vietnam and other relevant to those of 2006. regulations on Credit Banking presented in Item No.04 of Notes to the financial Statements. COMMENTS Respective responsibilities of Management and Auditors The year 2007 was an operation year of great challenges and difficulties. These financial statements are the responsibility of the Bank’s Management. Our responsibility is to express an However, Gia Dinh Bank obtained very encouraging achievements thanks to independent opinion based on our audit. the sharp guidance of the Board of Directors and the Board of Management along with the enduring efforts of all bank’s employees. In 2007, beside Basis of opinion exceeding most of the planned targets, Gia Dinh Bank also implemented the We conducted our audit in accordance with the Vietnamese Auditing Standards. Accordingly, we planned and increase of its chartered capital. Despite the fact that such an increase could performed the audit to obtain reasonable assurance about whether the financial statements are free of any material not reach the planned amount ( VND 444.623 billion / VND 500 billion), such misstatement. An audit includes examination, on a test basis, of evidences supporting the amounts and disclosures a move has affirmed the continual effort of Gia Dinh Bank in the process in the financial statements. The audit also includes assessing the accounting principles used and significant upgrading its financial capacity in order to expand the operation network, estimates made by the Bank’s Management, as well as evaluating the overall presentation of financial statement. develop the IT system and the customer service system. All of these will We believe that our audit provides a reasonable basis for our opinion. help Gia Dinh Bank enhance its competitive ability and a solid foundation for the further development and international integration of Gia Dinh Bank Auditors’ opinion in the period 2008-2010. In our opinion, the financial statements present fairly, in all material respects, the financial position of the Bank as of 31 December 2007 and the results of its operations and its cash flows for the year then ended. General Director Auditor Phan Xuan Van Nguyen Thi Anh Nga (CPA’s certificate No.D.0102/KTV) (CPA’s certificate No.D.0809/KTV)48 Gia Dinh Bank Gia Dinh Bank 49
  • 50. PART VI ORGANIZATION AND HUMAN RESOURCE 1. ORGANIZATION STRUCTURE ORGANIZATION CHART OF GIA DINH BANK GENERAL MEETING OF SHAREHOLDERS BOD BOARD OF DIRECTORS SUPERVISORY BOARD SECRETARIAT INTERNAL AUDIT BOARD OF MANAGEMENT COMMITTEE AMINIST- ASSET RATION GENERAL TRADING INTERNAL ACCOUNT- CASH SALES VALUATION LEGAL AND MANAGE- IT DEPT. SECTION CONTROL ING DEPT. DEPT. DEPT. & SECTION ORGANI- MENT DEPT. MARKETING ZATION DEPT. DEPT. DEPT. DA KAO TRANS. OFFICE TAN PHU TRANS. OFFICE HOAN KIEM TRANS. OFFICE PHU THUAN TRANS. OFFICE THANH XUAN HA NOI BACH DANG TRANS. OFFICE BRANCH BRANCH PHU MY HUNG TRANS. OFFICE CAU GIAY TRANS. OFFICE VUNG TAU TRANS. OFFICE DONG DA TRANS. OFFICE GO VAP TRANS. OFFICE HAI BA TRUNG TRANS. OFFICE BINH HOA TRANS. OFFICE THU DUC TRANS. OFFICE DA NANG HANG XANH CHI NHAÙNH BINH DUONG TRANS. OFFICE BRANCH BRANCH BAÏCH ÑAÈNG EXCHANGE NO. 1 DONG NAI TRANS. OFFICE DISTRICT 5 TRANS. OFFICE CAN THO SAI GON BRANCH BRANCH LONG AN TRANS. OFFICE TAY NINH TRANS. OFFICE BUON MA THUOT BRANCH50 Gia Dinh Bank Gia Dinh Bank 51
  • 51. PART VI ORGANIZATION AND HUMAN RESOURCE 1. ORGANIZATION STRUCTURE ORGANIZATION CHART OF GIA DINH BANK GENERAL MEETING OF SHAREHOLDERS BOD BOARD OF DIRECTORS SUPERVISORY BOARD SECRETARIAT INTERNAL AUDIT BOARD OF MANAGEMENT COMMITTEE AMINIST- ASSET RATION GENERAL TRADING INTERNAL ACCOUNT- CASH SALES VALUATION LEGAL AND MANAGE- IT DEPT. SECTION CONTROL ING DEPT. DEPT. DEPT. & SECTION ORGANI- MENT DEPT. MARKETING ZATION DEPT. DEPT. DEPT. DA KAO TRANS. OFFICE TAN PHU TRANS. OFFICE HOAN KIEM TRANS. OFFICE PHU THUAN TRANS. OFFICE THANH XUAN HA NOI BACH DANG TRANS. OFFICE BRANCH BRANCH PHU MY HUNG TRANS. OFFICE CAU GIAY TRANS. OFFICE VUNG TAU TRANS. OFFICE DONG DA TRANS. OFFICE GO VAP TRANS. OFFICE HAI BA TRUNG TRANS. OFFICE BINH HOA TRANS. OFFICE THU DUC TRANS. OFFICE DA NANG HANG XANH CHI NHAÙNH BINH DUONG TRANS. OFFICE BRANCH BRANCH BAÏCH ÑAÈNG EXCHANGE NO. 1 DONG NAI TRANS. OFFICE DISTRICT 5 TRANS. OFFICE CAN THO SAI GON BRANCH BRANCH LONG AN TRANS. OFFICE TAY NINH TRANS. OFFICE BUON MA THUOT BRANCH50 Gia Dinh Bank Gia Dinh Bank 51
  • 52. THE BOARD OF MANAGEMENT (BOM) BOARD OF SUPERVISORY Mr. NGUYEN VAN SE Mr. TRAN KIEN BINH Chairman Chief Supervisor Mr. PHAN SUM Mr. NGUYEN THE HIEN Ms. VU THI HONG Ms. NGUYEN THI MUOI Member Member Member Vice Chairman BOARD OF DIRECTORS Ms. TRAN THI VIET THU Mr. NGUYEN VAN TUAN Member Member Ms. TRAN THI VIET THU General Director Mr. NGO QUANG TRUNG Mr. NGUYEN VAN CUU Mr. PHAM VAN TAN Member Member Member Mr. DINH NGOC CHAU Ms. TRAN THI KIM ANH Mr. PHAM VAN DAT Deputy General Director Deputy General Director Deputy General Director Ms. NGUYEN THI PHUONG THU Chief Accountant52 Gia Dinh Bank Gia Dinh Bank 53
  • 53. THE BOARD OF MANAGEMENT (BOM) BOARD OF SUPERVISORY Mr. NGUYEN VAN SE Mr. TRAN KIEN BINH Chairman Chief Supervisor Mr. PHAN SUM Mr. NGUYEN THE HIEN Ms. VU THI HONG Ms. NGUYEN THI MUOI Member Member Member Vice Chairman BOARD OF DIRECTORS Ms. TRAN THI VIET THU Mr. NGUYEN VAN TUAN Member Member Ms. TRAN THI VIET THU General Director Mr. NGO QUANG TRUNG Mr. NGUYEN VAN CUU Mr. PHAM VAN TAN Member Member Member Mr. DINH NGOC CHAU Ms. TRAN THI KIM ANH Mr. PHAM VAN DAT Deputy General Director Deputy General Director Deputy General Director Ms. NGUYEN THI PHUONG THU Chief Accountant52 Gia Dinh Bank Gia Dinh Bank 53
  • 54. 2. PROFILE OF THE MEMBERS OF THE BOARD OF MANAGEMENT (BOM) 6/ CHANGES OF THE MEMBERS OF THE BOARD OF DIRECTORS, SUPERVISORY BOARD, BOARD OF MANAGEMENT AND CHIEF ACCOUNTANT 1 Ms. TRAN THI VIET THU General Director Year of birth 1953 No Full name Positions Changes Education level University * Members of BOD Professional degree Doctor of Economics, Bachelor of Law 1 Le Khanh Hien Member Resigned from 15 January 2007 2 Mr. DINH NGOC CHAU Deputy General Director 2 Tran Thi Kim Anh Member Resigned from 17 April 2007 Year of birth 1960 3 Tran Thi Viet Thu Member Being appointed from 06 March 2007 Education level College Being additionally elected by the General Meeting 4 Nguyen Van Tuan Member Professional degree College of Banking of Shareholders on 29 December 2007 3 Ms. TRAN THI KIM ANH Deputy General Director Being additionally elected by the General Meeting 5 Ngo Quang Trung Member Year of birth 1951 of Shareholders on 29 December 2007 Education level University * Supervisory Board Professional degree Banking University 1 Tran Kien Binh Chief Supervisor Being appointed on 18 January 2007 2 Phan Sum Member Being appointed on 06 March 2007 4 Mr. PHAM VAN DAT Deputy General Director Year of birth 1969 Being additionally elected by the General Meeting 3 Nguyen The Hien Member of Shareholders on 29 December 2007 Education level University * BOM Members Da Nang Polytechnics University, Economic Professional degree 1 Tran Thi Kim Anh Deputy General Director Being appointed on 07 May 2007 Sector, Banking Faculty * Chief Accountant (no change) 5 Ms. NGUYEN THI PHUONG THU Chief Accountant Year of birth 1968 Education level University Professional degree University of Economics 3/ CHANGE OF THE GENERAL DIRECTOR DURING THE YEAR No change. 4/ INTERESTS OF THE MEMBERS OF THE BOARD OF MANAGEMENT The salary, bonus and other benefits of the members of the Board of management are based on the regulations on salary and those on emulation and reward of Gia Dinh Bank. 5/ STAFF NUMBER AND POLICIES ON EMPLOYEES At the end of the year 2007, the total number of employees was 216 people, increasing by 102 people in comparison with that of 2006. Gia Dinh Bank, on one hand, has applied a step-by-step-modifying salary policy and paid great attention to a timely welfare and rewarding regulation for stabilizing the living of the employees and on the other hand, always carried out a right policy on recruiting, training, appointing to attract the qualified human resource to the bank. Moreover, Gia Dinh Bank has always attached great importance to create a favourable working environment where employees can find it a good and safe place to work for a long time with purpose to serving the mission of developing Gia Dinh Bank.54 Gia Dinh Bank Gia Dinh Bank 55
  • 55. 2. PROFILE OF THE MEMBERS OF THE BOARD OF MANAGEMENT (BOM) 6/ CHANGES OF THE MEMBERS OF THE BOARD OF DIRECTORS, SUPERVISORY BOARD, BOARD OF MANAGEMENT AND CHIEF ACCOUNTANT 1 Ms. TRAN THI VIET THU General Director Year of birth 1953 No Full name Positions Changes Education level University * Members of BOD Professional degree Doctor of Economics, Bachelor of Law 1 Le Khanh Hien Member Resigned from 15 January 2007 2 Mr. DINH NGOC CHAU Deputy General Director 2 Tran Thi Kim Anh Member Resigned from 17 April 2007 Year of birth 1960 3 Tran Thi Viet Thu Member Being appointed from 06 March 2007 Education level College Being additionally elected by the General Meeting 4 Nguyen Van Tuan Member Professional degree College of Banking of Shareholders on 29 December 2007 3 Ms. TRAN THI KIM ANH Deputy General Director Being additionally elected by the General Meeting 5 Ngo Quang Trung Member Year of birth 1951 of Shareholders on 29 December 2007 Education level University * Supervisory Board Professional degree Banking University 1 Tran Kien Binh Chief Supervisor Being appointed on 18 January 2007 2 Phan Sum Member Being appointed on 06 March 2007 4 Mr. PHAM VAN DAT Deputy General Director Year of birth 1969 Being additionally elected by the General Meeting 3 Nguyen The Hien Member of Shareholders on 29 December 2007 Education level University * BOM Members Da Nang Polytechnics University, Economic Professional degree 1 Tran Thi Kim Anh Deputy General Director Being appointed on 07 May 2007 Sector, Banking Faculty * Chief Accountant (no change) 5 Ms. NGUYEN THI PHUONG THU Chief Accountant Year of birth 1968 Education level University Professional degree University of Economics 3/ CHANGE OF THE GENERAL DIRECTOR DURING THE YEAR No change. 4/ INTERESTS OF THE MEMBERS OF THE BOARD OF MANAGEMENT The salary, bonus and other benefits of the members of the Board of management are based on the regulations on salary and those on emulation and reward of Gia Dinh Bank. 5/ STAFF NUMBER AND POLICIES ON EMPLOYEES At the end of the year 2007, the total number of employees was 216 people, increasing by 102 people in comparison with that of 2006. Gia Dinh Bank, on one hand, has applied a step-by-step-modifying salary policy and paid great attention to a timely welfare and rewarding regulation for stabilizing the living of the employees and on the other hand, always carried out a right policy on recruiting, training, appointing to attract the qualified human resource to the bank. Moreover, Gia Dinh Bank has always attached great importance to create a favourable working environment where employees can find it a good and safe place to work for a long time with purpose to serving the mission of developing Gia Dinh Bank.54 Gia Dinh Bank Gia Dinh Bank 55
  • 56. PART VII INFORMATION ON SHAREHOLDERS AND BANK MANAGEMENT 1. THE BOARD OF DIRECTORS AND SUPERVISORY BOARD 1.2 Members and structure of the Supervisory Board 1.1 Members and structure of the Board of Directors (BOD) Now, the Supervisory Board of Gia Dinh Bank has 04 members (including 01 Chief Supervisor and 03 At present, the bank’s BOD has 07 members (including 01 Chairman, 01 Vice Chairman and 05 Members), of members), of which 02 are independent members (non-executive officers) which 06 are independent members – non-executive directors. 1 Mr. TRAN KIEN BINH Chief Supervisor 1 Mr. NGUYEN VAN SE Chairman Year of birth 1954 Year of birth 1950 Education level University Education level University Professional degree University of Economics Professional degree Banking University, Foreign Language University 2 Mr. PHAN SUM Member 2 Ms. NGUYEN THI MUOI Vice Chairman Year of birth 1951 Year of birth 1950 Education level University Education level University Professional degree University of Economics Professional degree University of Finance 3 Mr. NGUYEN THE HIEN Member 3 Ms. TRAN THI VIET THU Member Year of birth 1971 Year of birth 1953 Education level University Education level University Professional degree University of Economics Professional degree Doctor of Economics, University of Law 4 Ms. VU THI HONG Member 4 Mr. PHAM VAN TAN Member Year of birth 1947 Year of birth 1960 Education level University Education level University Professional degree Banking University Professional degree University of Economics 1.3 Operation of the Board of Directors and the Supervisory Board 5 Mr. NGUYEN VAN CUU Member The operations of the Board of Directors and the Supervisory Board of Gia Dinh Bank are based on the following Year of birth 1972 regulations: Education level University - Corporate Law passed by the National Assembly on 29 November 2005; Professional degree University of Economics , University of Law - Regulations on organization and operation of the Board of Directors, the Supervisory Board and the General 6 Mr. NGUYEN VAN TUAN Member Director of commercial joint stock banks owned by the State and people, issued together with the Decision No. Year of birth 1973 1087/2001/QÑ-NHNN dated 27 August 2001 of the Governor of the State Bank; Education level University - Charter of Gia Dinh Bank; And the following regulations of Gia Dinh Bank: University of Foreign Languages, MA of Libre De Bruxelles - Decision No. 35/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of Professional degree University (Belgium) regulations on organization and operation of the Board of Directors. 7 Mr. NGO QUANG TRUNG Member - Decision No. 36/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of Year of birth 1969 regulations on organization and operation of the Supervisory Board. Education level University 1.4 Operation of subcommittees under Board of Directors University of Economics , MA of New South Wales University Professional degree The Secretariat of the Board of Directors was established, organized and operated according to Decision No. 102/ (Australia) GDB-HÑQT dated 10 October 2006 of the BOD Chairman. The organization structure and operation of the BOD Secretariat are as follows: 1. Head of BOD Secretariat 2. Officer in charge of shareholder management and share transfer. 3. Legal officer 1.5 Plan to enhance the efficiency in banking management In general, in 2007, the bank’s Board of Directors has had a lot of effective and efficient results. The Board’s regular meeting has been held before 15th day of every month; and in case of occurring any important events, the Board of Directors has held irregular meetings to discuss and give out solutions to the incurred issues. Besides, the Board of Directors has also given effective and close guidance to the Board of Management on activities relating to banking management, business operations and issuing shares to increase its chartered capital…. 1.6 Remuneration, other benefits and expenses used for the members of the Board of Directors and the Supervisory Board Gia Dinh Bank has stipulated the remuneration level used for the members of the Board of Directors and the Supervisory Board, based on the following regulations: - Article 117 and Article 125 of the Corporate Law passed by the National Assembly on 29 November 2005; - Charter of Gia Dinh Bank; - Resolution of the annual General Meeting of Shareholders in 2006.56 Gia Dinh Bank Gia Dinh Bank 57
  • 57. PART VII INFORMATION ON SHAREHOLDERS AND BANK MANAGEMENT 1. THE BOARD OF DIRECTORS AND SUPERVISORY BOARD 1.2 Members and structure of the Supervisory Board 1.1 Members and structure of the Board of Directors (BOD) Now, the Supervisory Board of Gia Dinh Bank has 04 members (including 01 Chief Supervisor and 03 At present, the bank’s BOD has 07 members (including 01 Chairman, 01 Vice Chairman and 05 Members), of members), of which 02 are independent members (non-executive officers) which 06 are independent members – non-executive directors. 1 Mr. TRAN KIEN BINH Chief Supervisor 1 Mr. NGUYEN VAN SE Chairman Year of birth 1954 Year of birth 1950 Education level University Education level University Professional degree University of Economics Professional degree Banking University, Foreign Language University 2 Mr. PHAN SUM Member 2 Ms. NGUYEN THI MUOI Vice Chairman Year of birth 1951 Year of birth 1950 Education level University Education level University Professional degree University of Economics Professional degree University of Finance 3 Mr. NGUYEN THE HIEN Member 3 Ms. TRAN THI VIET THU Member Year of birth 1971 Year of birth 1953 Education level University Education level University Professional degree University of Economics Professional degree Doctor of Economics, University of Law 4 Ms. VU THI HONG Member 4 Mr. PHAM VAN TAN Member Year of birth 1947 Year of birth 1960 Education level University Education level University Professional degree Banking University Professional degree University of Economics 1.3 Operation of the Board of Directors and the Supervisory Board 5 Mr. NGUYEN VAN CUU Member The operations of the Board of Directors and the Supervisory Board of Gia Dinh Bank are based on the following Year of birth 1972 regulations: Education level University - Corporate Law passed by the National Assembly on 29 November 2005; Professional degree University of Economics , University of Law - Regulations on organization and operation of the Board of Directors, the Supervisory Board and the General 6 Mr. NGUYEN VAN TUAN Member Director of commercial joint stock banks owned by the State and people, issued together with the Decision No. Year of birth 1973 1087/2001/QÑ-NHNN dated 27 August 2001 of the Governor of the State Bank; Education level University - Charter of Gia Dinh Bank; And the following regulations of Gia Dinh Bank: University of Foreign Languages, MA of Libre De Bruxelles - Decision No. 35/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of Professional degree University (Belgium) regulations on organization and operation of the Board of Directors. 7 Mr. NGO QUANG TRUNG Member - Decision No. 36/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of Year of birth 1969 regulations on organization and operation of the Supervisory Board. Education level University 1.4 Operation of subcommittees under Board of Directors University of Economics , MA of New South Wales University Professional degree The Secretariat of the Board of Directors was established, organized and operated according to Decision No. 102/ (Australia) GDB-HÑQT dated 10 October 2006 of the BOD Chairman. The organization structure and operation of the BOD Secretariat are as follows: 1. Head of BOD Secretariat 2. Officer in charge of shareholder management and share transfer. 3. Legal officer 1.5 Plan to enhance the efficiency in banking management In general, in 2007, the bank’s Board of Directors has had a lot of effective and efficient results. The Board’s regular meeting has been held before 15th day of every month; and in case of occurring any important events, the Board of Directors has held irregular meetings to discuss and give out solutions to the incurred issues. Besides, the Board of Directors has also given effective and close guidance to the Board of Management on activities relating to banking management, business operations and issuing shares to increase its chartered capital…. 1.6 Remuneration, other benefits and expenses used for the members of the Board of Directors and the Supervisory Board Gia Dinh Bank has stipulated the remuneration level used for the members of the Board of Directors and the Supervisory Board, based on the following regulations: - Article 117 and Article 125 of the Corporate Law passed by the National Assembly on 29 November 2005; - Charter of Gia Dinh Bank; - Resolution of the annual General Meeting of Shareholders in 2006.56 Gia Dinh Bank Gia Dinh Bank 57
  • 58. 1.7 Members of the Board of Directors, Supervisory Board, Board of Management already having a certificate 1.9 Information on stock transactions/capital contribution transfer of the bank of the BOD members, the of business administration training Supervisory Board, the BOM, major shareholders and other related individuals 1. Mr. Nguyen Van Tuan: MBA granted by Libre De Bruxelles University (Belgium) on 25 January 1999 2. Mr. Ngo Quang Trung: MA specializing on Financial Source Management granted by New South Wales Closing list on 31 Closing list on 31 December University (Australia) on 27 October 2000. December 2006 2007 3. Mr. Phan Sum: Certificate on completing the course of Economic Policies on Banking Management. No. Full name Notes 4. Ms. Tran Thi Viet Thu: Certificate on completing the course on Banking Management granted by Nanyang Number of Rate (%) Number of Rate (%) shares shares Technological University-Singapore in 1997 and Certificate on completing the course of System Management granted by ATTF Luxembourg in 2005. 5. Ms. Tran Thi Kim Anh: Certificate on CEO training granted by PACE on 04 October 2007. 1. Board of Directors 69,600 0.331 189,900 0.427 Natural person 1 Nguyen Van Se Representative 1.8 Shareholding rate and changes in shareholding rate of BOD members 505,900 2.409 758,800 1.707 of legal entity 297,800 1.418 96,300 0.217 Natural person 2 Nguyen Thi Muoi Representative Number of shares 2,150,000 10.238 3,225,000 7.253 of legal entity No. Full name Position Rep of Rate (%) 3 Nguyen Van Cuu 1,755,400 8.359 2,661,600 5.986 Natural person Individuals organization’s Total capial 192,200 0.915 532,500 1.198 Natural person 4 Pham Van Tan Representative 01 Nguyen Van Se Chairman 189,900 758,800 948,700 2.134 505,900 2.409 200,000 0.449 of legal entity 02 Nguyen Thi Muoi Vice Chairman 96,300 3,225,000 3,321,300 7.470 5 Tran Thi Viet Thu 101,800 0.485 381,700 0.858 Natural person 03 Nguyen Van Cuu Member 2,661,600 - 2,661,600 5.986 Representative 6 Nguyen Van Tuan - - 6,500,000 14.619 of legal entity 04 Pham Van Tan Member 532,500 200,000 732,500 1.647 Representative 7 Ngo Quang Trung - - 6,500,000 14.619 05 Tran Thi Viet Thu Member 381,700 381,700 0.858 of legal entity 2. Supervisory Board 06 Nguyen Van Tuan Member - 6,500,000 6,500,000 14.619 1 Tran Kien Binh 35,700 0.17 50,800 0.114 Natural person 07 Ngo Quang Trung Member - 6,500,000 6,500,000 14.619 2 Vu Thi Hong 17,100 0.081 22,800 0.051 Natural person 3 Phan Sum 5,100 0.024 12,400 0.028 Natural person Representative 4 Nguyen The Hien - - 338,700 0.762 of legal entity 3. Board of Management General 1 Tran Thi Viet Thu 101,800 0.485 381,700 0.858 Director Deputy General 2 Dinh Ngoc Chau 40,700 0.194 59,200 0.133 Director Deputy General 3 Pham Van Dat 20,500 0.098 44,800 0.101 Director Deputy General 4 Tran T.Kim Anh 22,800 0.109 28,500 0.064 Director 4. Major shareholders (holding over 5% of share capital) 1 Saigon Bank 2,150,000 10.238 3,225,000 7.253 Legal entity 2 Nguyen Van Cuu 1,755,400 8.359 2,661,600 5.986 Natural person 3 Tran Thi Lam 1,745,300 8.311 3,270,900 7.357 Natural person 4 Vietcombank 758,800 3.613 4,890,853 11.000 Legal entity 5 VCBF - - 8,447,847 19.000 Legal entity58 Gia Dinh Bank Gia Dinh Bank 59
  • 59. 1.7 Members of the Board of Directors, Supervisory Board, Board of Management already having a certificate 1.9 Information on stock transactions/capital contribution transfer of the bank of the BOD members, the of business administration training Supervisory Board, the BOM, major shareholders and other related individuals 1. Mr. Nguyen Van Tuan: MBA granted by Libre De Bruxelles University (Belgium) on 25 January 1999 2. Mr. Ngo Quang Trung: MA specializing on Financial Source Management granted by New South Wales Closing list on 31 Closing list on 31 December University (Australia) on 27 October 2000. December 2006 2007 3. Mr. Phan Sum: Certificate on completing the course of Economic Policies on Banking Management. No. Full name Notes 4. Ms. Tran Thi Viet Thu: Certificate on completing the course on Banking Management granted by Nanyang Number of Rate (%) Number of Rate (%) shares shares Technological University-Singapore in 1997 and Certificate on completing the course of System Management granted by ATTF Luxembourg in 2005. 5. Ms. Tran Thi Kim Anh: Certificate on CEO training granted by PACE on 04 October 2007. 1. Board of Directors 69,600 0.331 189,900 0.427 Natural person 1 Nguyen Van Se Representative 1.8 Shareholding rate and changes in shareholding rate of BOD members 505,900 2.409 758,800 1.707 of legal entity 297,800 1.418 96,300 0.217 Natural person 2 Nguyen Thi Muoi Representative Number of shares 2,150,000 10.238 3,225,000 7.253 of legal entity No. Full name Position Rep of Rate (%) 3 Nguyen Van Cuu 1,755,400 8.359 2,661,600 5.986 Natural person Individuals organization’s Total capial 192,200 0.915 532,500 1.198 Natural person 4 Pham Van Tan Representative 01 Nguyen Van Se Chairman 189,900 758,800 948,700 2.134 505,900 2.409 200,000 0.449 of legal entity 02 Nguyen Thi Muoi Vice Chairman 96,300 3,225,000 3,321,300 7.470 5 Tran Thi Viet Thu 101,800 0.485 381,700 0.858 Natural person 03 Nguyen Van Cuu Member 2,661,600 - 2,661,600 5.986 Representative 6 Nguyen Van Tuan - - 6,500,000 14.619 of legal entity 04 Pham Van Tan Member 532,500 200,000 732,500 1.647 Representative 7 Ngo Quang Trung - - 6,500,000 14.619 05 Tran Thi Viet Thu Member 381,700 381,700 0.858 of legal entity 2. Supervisory Board 06 Nguyen Van Tuan Member - 6,500,000 6,500,000 14.619 1 Tran Kien Binh 35,700 0.17 50,800 0.114 Natural person 07 Ngo Quang Trung Member - 6,500,000 6,500,000 14.619 2 Vu Thi Hong 17,100 0.081 22,800 0.051 Natural person 3 Phan Sum 5,100 0.024 12,400 0.028 Natural person Representative 4 Nguyen The Hien - - 338,700 0.762 of legal entity 3. Board of Management General 1 Tran Thi Viet Thu 101,800 0.485 381,700 0.858 Director Deputy General 2 Dinh Ngoc Chau 40,700 0.194 59,200 0.133 Director Deputy General 3 Pham Van Dat 20,500 0.098 44,800 0.101 Director Deputy General 4 Tran T.Kim Anh 22,800 0.109 28,500 0.064 Director 4. Major shareholders (holding over 5% of share capital) 1 Saigon Bank 2,150,000 10.238 3,225,000 7.253 Legal entity 2 Nguyen Van Cuu 1,755,400 8.359 2,661,600 5.986 Natural person 3 Tran Thi Lam 1,745,300 8.311 3,270,900 7.357 Natural person 4 Vietcombank 758,800 3.613 4,890,853 11.000 Legal entity 5 VCBF - - 8,447,847 19.000 Legal entity58 Gia Dinh Bank Gia Dinh Bank 59
  • 60. 2. STATISTICS DATA ON SHAREHOLDERS 2.1 Local shareholders Shareholding Shareholders Number of shareholders Number of shares Rate (%) Legal entity 14 20,278,800 45.61 Natural person 571 24,183,500 54.39 Total 585 44,462,300 100.00 * Detailed information on each major shareholder (holding over 5% of share capital) Operating Number of Shareholding No. Full name Contact address field shares Rate (%) 2C Pho Duc Chinh Street, 1 Saigon Bank Banking 3,225,000 7.253 District 1, HCMC 250 To Hien Thanh Street, 2 Nguyen Van Cuu Trading 2,661,600 5.986 District 10, HCMC 41 Nguyen Thong Street, 3 Tran Thi Lam Trading 3,270,900 7.357 District 3, HCMC 4 Vietcombank 198 Tran Quang Khai Street, Ha Noi Banking 4,890,853 11.000 5 VCBF 198 Tran Quang Khai Street, Ha Noi Securities 8,447,847 19.000 2.2 Foreign shareholders: According to the list of shareholders closed on 31 December 2007, Gia Dinh Bank has no foreign shareholders.60 Gia Dinh Bank Gia Dinh Bank 61
  • 61. 2. STATISTICS DATA ON SHAREHOLDERS 2.1 Local shareholders Shareholding Shareholders Number of shareholders Number of shares Rate (%) Legal entity 14 20,278,800 45.61 Natural person 571 24,183,500 54.39 Total 585 44,462,300 100.00 * Detailed information on each major shareholder (holding over 5% of share capital) Operating Number of Shareholding No. Full name Contact address field shares Rate (%) 2C Pho Duc Chinh Street, 1 Saigon Bank Banking 3,225,000 7.253 District 1, HCMC 250 To Hien Thanh Street, 2 Nguyen Van Cuu Trading 2,661,600 5.986 District 10, HCMC 41 Nguyen Thong Street, 3 Tran Thi Lam Trading 3,270,900 7.357 District 3, HCMC 4 Vietcombank 198 Tran Quang Khai Street, Ha Noi Banking 4,890,853 11.000 5 VCBF 198 Tran Quang Khai Street, Ha Noi Securities 8,447,847 19.000 2.2 Foreign shareholders: According to the list of shareholders closed on 31 December 2007, Gia Dinh Bank has no foreign shareholders.60 Gia Dinh Bank Gia Dinh Bank 61
  • 62. OPERATION NETWORK (AS OF MARCH 2008) HEAD OFFICE 135 Phan Dang Luu, Phu Nhuan District, Ho Chi Minh City Tel. (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn HO CHI MINH CITY Bach Dang branch 473C Bach Dang Street, Binh Thanh District Tel. (08) 8412146 Fax: (08) 8413656 Hang Xanh branch 68 Bach Dang Street, Binh Thanh District Tel. (08) 8991567 Fax: (08) 8995441 Saigon branch 119 Nguyen Thai Hoc Street, District 1 Tel. (08) 8385550 Fax: (08) 8385553 Binh Hoa transaction office 187 Nguyen Van Dau Street, Binh Thanh District Tel./ Fax: (08) 8411367 Thu Duc transaction office 42 Le Van Ninh Street, Thu Duc District Tel./ Fax: (08) 8966081 Tan Phu transaction office 430 Luy Ban Bich Street, Tan Phu District The inauguration ceremony of new Head Office - Tel. (08) 4067295 Fax: (08) 4067296 Gia Dinh Bank Da Kao transaction office 66 Tran Quang Khai Street, District 1 Tel. (08) 8483591 Fax: (08) 8483592 Exchange No. 01 01 Hoa Binh Street, Thu Duc District Tel./ Fax: (08) 7225536 HA NOI CITY Ha Noi branch 55 Dao Tan Street, Ba Dinh District Tel. (04) 7667336 Fax: (04) 7667335 Hoan Kiem transaction office 24B Ton Dang Street, Hoan Kiem District Tel. (04) 9366677 Fax: (04) 9367596 Thanh Xuan transaction office 96 Nguyen Trai Street, Thanh Xuan District Tel. (04) 5543869 Fax: (04) 5543785 Cau Giay transaction office 25 Nguyen Phong Sac Street, Cau Giay District Tel. (04) 7549828 Fax: (04) 7549818 Hai Ba Trung transaction office 107 Tran Dai Nghia Street, Bach Khoa ward, Hai Ba Trung District The Opening of Hoan Kiem Transaction Office - Haø Noäi Dong Da transaction office 39A De La Thanh Street (Kim Lien street) Dong da District Tel. (04) 5738203 . Fax: (04) 5738194 DA NANG CITY Da Nang branch 386 Hoang Dieu Street, Hai Chau District CAN THO CITY Tel. (0511) 3584600 Fax: (0511) 3584601 Can Tho branch 135Y-135H Tran Hung Dao Street, Ninh Kieu District Tel. (0710) 733740 Fax: (0710) 733745 DAKLAK PROVINCE Buon Ma Thuot branch 186 Le Duan Street, Buon Ma Thuot City Tel. (0500) 843192 Fax: (0500) 843193 Transaction offices operate in the early 2008: HO CHI MINH CITY Giadinh Bank - Da Nang branch District 5 transaction office 136 Nguyen Tri Phuong Street, District 5 Phu My Hung transaction office SD-06, Lot H25-2, My Duc Quarter, District 7 Phu Thuan transaction office 1 Lot G, Quarter 1, Nguyen Van Quy, District 7 Go Vap transaction office 296 Nguyen Van Nghi Street, Go Vap District IN SOUTH- EAST AREA Binh Duong transaction office 16-17 Lot, C2, Ruby Land Village, My Phuoc II, Ben Cat District, Binh Duong Province Vung Tau Transaction office 9Q Luong The Vinh Street, Vung Tau City Dong Nai Transaction office A 4/443 Bui Huu Nghia, Tan Van Ward, Bien Hoa City, Dong Nai Province Tay Ninh transation office A11 Business quarter, 30-4 Street quarter 1, ward 3, Tay Ninh Town IN SOUTH - WEST AREA Long An Transaction office 13-15 Road No. 5B, Tan An Town, The Opening of Thanh Xuan Transaction Office - Haø Noäi Long An Province62 Gia Dinh Bank Gia Dinh Bank 63
  • 63. OPERATION NETWORK (AS OF MARCH 2008) HEAD OFFICE 135 Phan Dang Luu, Phu Nhuan District, Ho Chi Minh City Tel. (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn HO CHI MINH CITY Bach Dang branch 473C Bach Dang Street, Binh Thanh District Tel. (08) 8412146 Fax: (08) 8413656 Hang Xanh branch 68 Bach Dang Street, Binh Thanh District Tel. (08) 8991567 Fax: (08) 8995441 Saigon branch 119 Nguyen Thai Hoc Street, District 1 Tel. (08) 8385550 Fax: (08) 8385553 Binh Hoa transaction office 187 Nguyen Van Dau Street, Binh Thanh District Tel./ Fax: (08) 8411367 Thu Duc transaction office 42 Le Van Ninh Street, Thu Duc District Tel./ Fax: (08) 8966081 Tan Phu transaction office 430 Luy Ban Bich Street, Tan Phu District The inauguration ceremony of new Head Office - Tel. (08) 4067295 Fax: (08) 4067296 Gia Dinh Bank Da Kao transaction office 66 Tran Quang Khai Street, District 1 Tel. (08) 8483591 Fax: (08) 8483592 Exchange No. 01 01 Hoa Binh Street, Thu Duc District Tel./ Fax: (08) 7225536 HA NOI CITY Ha Noi branch 55 Dao Tan Street, Ba Dinh District Tel. (04) 7667336 Fax: (04) 7667335 Hoan Kiem transaction office 24B Ton Dang Street, Hoan Kiem District Tel. (04) 9366677 Fax: (04) 9367596 Thanh Xuan transaction office 96 Nguyen Trai Street, Thanh Xuan District Tel. (04) 5543869 Fax: (04) 5543785 Cau Giay transaction office 25 Nguyen Phong Sac Street, Cau Giay District Tel. (04) 7549828 Fax: (04) 7549818 Hai Ba Trung transaction office 107 Tran Dai Nghia Street, Bach Khoa ward, Hai Ba Trung District The Opening of Hoan Kiem Transaction Office - Haø Noäi Dong Da transaction office 39A De La Thanh Street (Kim Lien street) Dong da District Tel. (04) 5738203 . Fax: (04) 5738194 DA NANG CITY Da Nang branch 386 Hoang Dieu Street, Hai Chau District CAN THO CITY Tel. (0511) 3584600 Fax: (0511) 3584601 Can Tho branch 135Y-135H Tran Hung Dao Street, Ninh Kieu District Tel. (0710) 733740 Fax: (0710) 733745 DAKLAK PROVINCE Buon Ma Thuot branch 186 Le Duan Street, Buon Ma Thuot City Tel. (0500) 843192 Fax: (0500) 843193 Transaction offices operate in the early 2008: HO CHI MINH CITY Giadinh Bank - Da Nang branch District 5 transaction office 136 Nguyen Tri Phuong Street, District 5 Phu My Hung transaction office SD-06, Lot H25-2, My Duc Quarter, District 7 Phu Thuan transaction office 1 Lot G, Quarter 1, Nguyen Van Quy, District 7 Go Vap transaction office 296 Nguyen Van Nghi Street, Go Vap District IN SOUTH- EAST AREA Binh Duong transaction office 16-17 Lot, C2, Ruby Land Village, My Phuoc II, Ben Cat District, Binh Duong Province Vung Tau Transaction office 9Q Luong The Vinh Street, Vung Tau City Dong Nai Transaction office A 4/443 Bui Huu Nghia, Tan Van Ward, Bien Hoa City, Dong Nai Province Tay Ninh transation office A11 Business quarter, 30-4 Street quarter 1, ward 3, Tay Ninh Town IN SOUTH - WEST AREA Long An Transaction office 13-15 Road No. 5B, Tan An Town, The Opening of Thanh Xuan Transaction Office - Haø Noäi Long An Province62 Gia Dinh Bank Gia Dinh Bank 63
  • 64. 135 Phan Ñaêng Löu, Phöôøng 2, Quaän Phuù Nhuaän, Thaønh phoáù Hoà Chí Minh, Vieät Nam. Ñieän thoai: (08) 9956001 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn