báo cáo thường niên 2010 vib xây dựng nền tảng bền vững ngân hàng quốc tế

BÁO CÁO THƯNG NIÊN 2010
3-18 
19-42 
43-44 
45-64 
68 
66-67 
Báo cáo thường niên 20102
Chương I • Giới thiệu VIB
Chân tht
Chúng ta tôn trng và đánh giá cao
mi khách hàng. Chúng ta n lc phc
v khách hàng hơn c nhng gì mà h
mong đi, vi s chân tht, liêm chính
và chuyên nghip. Đó là cách mà chúng
ta phát trin kinh doanh.
3

Tr thành ngân hàng sáng to và hưng ti khách

Tầm nhìn
Mục tiêu


Báo cáo thường niên 20104

Đối với khách hàng:
các gii pháp sáng to nhm tha mãn ti đa nhu
cu khách hàng.
Đối với nhân viên:


Đối với cổ đông:
vng cho c đông.
Đối với cộng đồng: Tích cc đóng góp vào s phát






Sứ mệnh
Giá trị cốt lõi
Báo cáo thường niên 2010 5
Kính thưa Quý v c đông,
         

         
   
       









 



h thng.

(ĐHDCĐ) thưng niên vào tháng 3/2010, nhng mc








    
Thông điệp của
Chủ tịch Hội đồng Quản trị


   


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 




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



Báo cáo thường niên 20106


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
2011, hưng ti mc tiêu tr thành thành ngân hàng

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trng nht.
Trân trng,


      
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
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
Báo cáo thường niên 2010 7





     







        


        













đưc nâng cao, tt c góp phn to dng nên thương hiu
      



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


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
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
    





hàng vi cht lưng dch v tt nht.
      
    
        







1. Tiếp tục chú trọng nâng cao chất lượng Dịch vụ
Khách hàng
















Báo cáo của
Tổng giám đốc
ÂN THANH SƠN

Báo cáo thường niên 20108
2. Nâng cao tính an toàn trong hoạt động của
Ngân hàng
        











     



  
lưng Khách hàng, cht lưng d án, cht lưng khon








3. Nâng cao hiệu quả hoạt động kinh doanh

       



        
    














4. Đưa VIB trở thành “Nhà tuyển dụng được lựa chọn”




    








vi cá nhân làm vic tt.
5. Hội nhập và chuyển giao năng lực giữa VIB và CBA









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      

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

Trân trng cm ơn,




Báo cáo thường niên 2010 9
3. Ông 
Thành viên HĐQT

       
      






       



   




phn Đu tư và Thương mi h thng


 






      
   
ngân hàng. Ông tt nghip Thc s
Qun tr Kinh doanh ti trưng Solvay
     
    -

     
   
     
     
Citigroup, các Khóa Đào to Qun lý

mi, Phân tích Tài chính, Tài tr D án,


       
      

   

Khi Khách hàng Doanh nghip toàn
      
     



Giám đc Chi nhánh ngân hàng Ca-


 
Thành viên HĐQT

       
      
       








      

        






Báo cáo thường niên 201010
4. Ông 
Thành viên HĐQT
      

      
2013). Trưc đó, ông Hoàng đã tham


   
       

       
       
   

       

  

    

5. Ông 
Thành viên HĐQT
      
 


Quc dân, khoa Tài chính ngân hàng
       

   
        
  
      
   
     
   

    


hi, Phó Tng Giám đc ph trách Đu
       

  
Phó Tng Giám đc, Giám đc khi
     
      



Thành viên HĐQT
      
  


      
     
k thut Đi hc tng hp k thut
      












Báo cáo thường niên 2010 11
9. Ông 
Thành viên HĐQT

  
      
2013)
     
    
     
nghim trong ngành Tài chính ngân
      
    
    

     
công ty TNHH CommBank Trung Quc

kinh doanh CBA Hong Kong, Giám
    
    
   

7. Ông 
Thành viên HĐQT

    



trong ngành tài chính ngân hàng ti
      
      



  
Tng giám đc Thưng trc, Giám đc

phòng, Tr lý Tng Giám đc ti Ngân


     

    
   

8. Ông 
Thành viên HĐQT
    
      
       

     

      

   


      

      
      


     
      


ông Garry là GĐ Ngân hàng ASB Bank
      
hàng Tây Australia và Ngân hàng
Hàng Châu - Trung Quc.


Báo cáo thường niên 201012
 
Trưng Ban kim soát
      
 
     

   

Tng Giám đc - Giám đc Khi Khách

Phó Tng Giám đc - Giám đc khi



      
      
      
chuyên ngành Tài chính Ngân hàng

   
doanh (MBA) ti Hc vin Qun lý

      
tác như Trưng phòng nghip v Hi
đoái, ti Ngân hàng Nông nghip
      

Ngân hàng Nông nghip và Phát trin

 
Thành viên Ban kim soát

 

 


  

     


tài chính ngân hàng. Trưc khi tham





3. Ông
Thành viên Ban kim soát
     



 
      



       
viên mng kinh doanh Ngân hàng
     
      
     
chính Ngân hàng CBA. Hin ông Dan-
      
-

    




Báo cáo thường niên 2010 13


3. Ông 
Phó Tng Giám đc,
Giám đc Khi Khách hàng
Doanh nghip
    
kinh nghim làm vic trong các t

      

Ông Nam tt nghip Thc s ti Hc
vin Công ngh Châu Á (AIT) ti Thái
   
      

Quan h Khách hàng Doanh nghip
    




phòng Dch v Giao dch Toàn cu
   

nhim v trí Phó Tng Giám dc, Giám
đc Khi Khách hàng doanh

Ông 
Thành viên HĐQT/Tng Giám đc
       

kinh nghim trong ngành tài chính



 



tác như Phó Tng giám đc Thưng
trc, Giám đc Khi Chi nhánh và


 
       
phòng th trưng ti Ngân hàng TMCP






Phó Tng Giám đc,
Giám đc Khi Ngân hàng Bán l

kinh nghim làm vic trong lĩnh vc

ty 100% vn nưc ngoài, chi nhánh




Bà Hoa tt nghip Thc s Qun tr
  

       
Quc dân và Trưng đi hc t do

      
-

tháng 9/2010.
      
nhim gi v trí Phó Tng Giám đc
   
       

     






Báo cáo thường niên 201014
4. Ông 
Phó Tng Giám đc,

Ngoi hi
Ông 
kinh nghim trong lĩnh vc tài chính



Ông Trung tt nghip Thc s Qun tr


đoàn ln  trong nưc và nưc ngoài
như Tr lý Tng Giám đc kiêm C vn
      







     




      
12/2009 và hin đang đm nhim v
trí Phó Tng Giám đc, Giám đc Khi


Giám đc Khi Khách hàng




        


Khi tài tr Thương mi và Thanh toán

       
kiêm Tng Giám đc Công ty cho thuê

    



     
Công ty cho thuê Tài chính

       
nhim vào v trí Giám đc Khi Khách
     
2/2011.
6. Ông 
Giám đc Khi Nghip v Tng hp





-
     
       
     -
      


      

       
       

      





phn phát trin kinh doanh dch v tài

      
       
      
3/2011.

Báo cáo thường niên 2010 15
9. Ông 
Giám đc Tài chính

nghim làm vic ti các tp đoàn đa
      



     
 



       
    
    

       
thành lp Ngân hàng TMCP Ngôi sao


    
       


máy Bia Hà Tây.
      

1/2010.
7. Ông 
Giám đc Khi Qun lý Tín dng





hàng.
     
      
       

Tín dng, Qun lý tín dng, ti Ngân

     

     
    
      
     
     
Nguyên kiêm Phó Giám đc Trung
tâm Kinh doanh, Giám đc Trung tâm
Qun lý N và khai thác tài sn, Phó
Giám đc Khi Qun lý tín dng.
8. Ông 
Thành viên HĐQT/Giám đc Khi

      
      
    
04/2011.

Quc dân, khoa Tài chính ngân hàng
       


    
      
      
       
Ngoi hi, Phó Tng Giám đc ph
      
Hin ti, ông là thành viên HĐQT

     


Phó Tng Giám đc, Giám đc khi
-




Báo cáo thường niên 201016


thay đi
      
kinh nghim vi các v trí lãnh đo

       

hiu, phát trin kinh doanh và cht
lưng dch v khách hàng.
      
    



     
    

Hàng National Mutual Royal (nay là



       
phòng Qun lý s thay đi (CMO)
     
     
    


Giám đc Ban Nhân s

đi hc Khoa hc t nhiên, Đi hc


Nhân lc.
Bà Phương đã đm nhn v trí Giám

vi vai trò ph trách nhân s trên toàn

       



       


   


      
   



Giám đc chương trình Chuyn đi
h thng Chi nhánh (Giám đc BTR)



   
    



viên trong nhóm d án Colonial đ




      
và chuyên môn trong các lĩnh vc đa

trung tâm dch v khách hàng và h

   
các d án. Bà am hiu nhu cu khách
     
      



lòng khách hàng.

      
nhim vào v trí Giám Đc Chương
trình Chuyn đi h thng Chi Nhánh


Báo cáo thường niên 2010 17
 
Giám đc Dch v Công ngh
Kinh doanh

hc máy tính và là thc sĩ Công ngh

Ông đã tham gia Chương trình đào to

   


       
kinh nghim trong lĩnh vc IT, trong


      
      
   

và công ngh ti Ngân hàng Quc gia








1/2011 trong khuôn kh Chương trình


Australia (CBA).

Giám đc Dch v nhân s




    

phòng Nhân s - Tng hp Công ty
      
Trưng phòng Nhân s Ngân hàng
     


       

      
nhim v trí Giám đc Dch v nhân s




Bà Nguyn Th Hương Giang tt

      
      
     
      


     






     

     

    


    

Bà Nguyn Th Hương Giang chính
      




Báo cáo thường niên 201018
Chương II •

Xây dựng
nền tảng bền vững

Chúng ta có tm nhìn dài hn, luôn sát


trin và thành công. Đây là cách mà


19

10.000
20.000
30.000
40.000
50.000
16.774
19.775
27.353
41.731
2007 2008 2009 20102006
9.137
Dư n tín dng


10.000
20.000
30.000
40.000
50.000

60.000
70.000
9.813
2006
19.225
2007
23.958
2008
34.210
2009
59.564
2010


1.000
2.000
3.000
4.000
5.000
6.000
7.000
2006
1.190
2007
2.183
2008
2.293
2009
2.945
2010

6.593


Tng tài sn

20.000
40.000
60.000
80.000
100.000
39.305
34.719
56.635
93.827
2007 2008 2009 20102006
16.527

Báo cáo thường niên 201020
1.000
2.000
3.000
4.000
5.000
1.000
2.000 2.000
2.400
2006 2007 2008 2009 2010
4.000



200
400
600
800
1.000
200
426
230
610
2006 2007 2008 2009 2010
1.051



20
40
60
80
100
120
140
59
82
110
115
2006 2007 2008 2009 2010
133
S Đơn v
kinh doanh
(đơn v)

1.000
2.000
3.000
4.000
2006 2007
2.123
1. 511
2008
2.510
2009
2.629
2010
3.243
S lưng nhân s
(ngưi)

Báo cáo thường niên 2010 21




         







hàng vào v trí trung tâm.



           
     



       


         




Báo cáo thường niên 201022



          

lc trong vic áp dng mô hình kinh doanh mi, vic ci















 



3.000
3.400
4.000

Báo cáo thường niên 2010 23


 





















nhìn “Tr thành ngân hàng sáng to và hưng ti khách
       

th và chú trng ti khách hàng.

Báo cáo thường niên 201024







phòng Qun lý s thay đi) đã phi hp vi Trung tâm đào

          



 



-

và CBA, Ngân hàng đã trin khai các loi hình dch v thông




 





Báo cáo thường niên 2010 25