báo cáo thường niên năm 2008 ngân hàng techcombank

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Báo Cáo Thường Niên 2008
NGÂN HÀNG TMCP KỸ THƯƠNG VIỆT NAM

1


2-3

4-7

8

8-9

10

11-12

13

16-21

22-27

30-31
 32-37


38-39

40-42

43-45
 
46-47

50

51

51

68

78
Mục lục
- 1

2008

STT Chỉ số
2008
2007 2006 2005 2004
1 Tổng tài sản 59.360    
 Vốn điều lệ 3.642    
3 Vốn chủ sở hữu 5.615 3.573   515
4 Tỷ lệ an toàn vốn (%) 13,99    

5 Tổng doanh thu 8.382    494
 Quỹ dự phòng 512 144   95
7 Lợi nhuận trước thuế 1.600    
 Lợi nhuận sau thuế 1.173    
9 Lợi nhuận thuần/Vốn cổ phần (ROE) (%) 25,87   45,19 31,71
 Lợi nhuận thuần/ Tổng tài sản (ROA) (%) 2,28 1,99   
(Đơn vị: tỷ VNĐ)
2 - 
- 3

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        
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 
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



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

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4 - 
- 5


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          
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         
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        
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

         
      

         


          

       





       




* Bao gồm tiền gửi của khách hàng, phát hành giấy tờ có giá và nguồn vốn
ủy thác.



6 - 
- 7





       
        











      

     
         



    









     
    







       
    

















         


 


I







        












         

8 - 
- 9

 



 

 
 

        

 
 



 
 
 

6 7 9 108
 
 
 
 
 


 
 



 

 
 
 


 
 




 

 
 
           


 
 




 


  

 
 

 
 
 

         

 


 

 
 

2. 
 

 
 

 
 

         

         

   

 


1 2 4 53
1. 




           

 
 

        

         

 

        

 
 

 
          

 
 





10 - 

- 11

 
 


 

 
          

        


 

 
 


 

 
 



  



 
 
 
 

 
        



        



1 2 4 53

 
 


 
 
 

 

 
        




 


 
 



 
 
 





1 2 4 53
 




 
 
 

       

 




 


 
 
         



 
 


 

 
 

          

         

 
 

 


 
 

 
 


 



 
 




12 - 
- 13
ĐẠI HỘI CỔ ĐÔNG
HỘI ĐỒNG QUẢN TRỊ BAN KIỂM SOÁT
EXC O2. ỦY BAN NHÂN SỰ
VÀ TIỀN LƯƠNG
1. ỦY BAN KIỂM TOÁN
& QUẢN LÝ RỦI RO
4. ỦY BAN CHỈ ĐẠO CÔNG NGHỆ
Công ty TNHH Chứng khoán Kỹ thương Công ty TNHH Quản lý quỹ Kỹ thương 15. Các Sở giao dịch, Chi nhánh và Phòng giao dịch
Công ty TNHH Một thành viên
Quản lý nợ và khai thác tài sản
5. ỦY BAN QUẢN LÝ TÀI SẢN NỢ VÀ CÓ

VĂN PHÒNG HĐQT
BAN TỔNG GIÁM ĐỐC
ỦY BAN TÍN DỤNG
3.ỦY BAN ĐẦU TƯ CHIẾN LƯỢC
6. Khối Dịch vụ
khách hàng
doanh nghiệp
7. Khối Dịch vụ
ngân hàng và
tài chính cá nhân
8. Trung tâm
Nguồn Vốn
9. Khối Quản trị
nguồn nhân lực
10. Khối Thẩm định
và quản trị rủi ro
tín dụng
11. Khối Quản trị rủi
ro thị trường và
vận hành
12. Trung tâm
Công nghệ
13. Khối Pháp chế
và kiểm soát
tuân thủ
14. Khối vận hành
15. Các phòng ban
tham mưu
- P. PT Kinh doanh
và thị trường

- P. QT Sản phẩm
- P.QL Tiền tệ và tài
trợ thương mại
miền Bắc và
miền Trung
- P. QL Tiền tệ và tài
trợ thương mại
miền Nam
- P. KHDN vừa
và nhỏ
- P. KHDN lớn
- P. DV và CSKH
doanh nghiệp
- TT Khách hàng
doanh nghiệp nhỏ
và hộ kinh doanh
- TT Quản lý sản
phẩm huy động
dân cư
- TT Dịch vụ tài
chính và Đầu tư
cá nhân
- TT Phát triển sản
phẩm tín dụng
cá nhân
- TT Phát triển sản
phẩm thẻ
- TT Bán và dịch
vụ chăm sóc
khách hàng

- TT Phát triển
mạng lưới và
kênh phân phối
- TT Quản lý tín
dụng cá nhân
- P. Kinh doanh
tiền tệ
- P. Quản lý đầu tư
tài chính
- P. Giao dịch các thị
trường hàng hoá
- P. Kinh doanh
trái phiếu
- P. Kinh doanh
ngoại hối
- P. Phát triển
sản phẩm
- Ban Kinh doanh
Treasury HCM
- Tổ Hỗ trợ khách
hàng Interbank
- P.Tuyển dụng
- P. Tiền lương &
Phúc lợi
- P. Quản trị thông
tin và chính sách
nhân sự
- TT Đào tạo
- P.QTRR TD
- P.Các mô hình

QTRRTD
- P. TD H.O
- P.TD Miền Trung
- P.TD Miền Nam
- P.TD Dự án
- P.TD M.Banking
H.O
- P.TD M.Banking
miền Nam
- P.Giám sát
TD&QL các khoản
vay có vấn đề
- P.QLTSĐB HO
- P.QLTSĐB
miền Nam
- P.Giám sát tín
dụng H.O
- P.Giám sát tín
dụng miền Nam
- P. QTRR
Công nghệ
-
P. QTRR Quy trình
& sản phẩm
- P. QTRR
thị trường
- P.QTRR
hoạt động
- P. QTRR
tài sản nợ

- Ban Duy trì
kinh doanh
- Ban Phân tích
thông tin
- P. Quản lý kế
hoạch và dự án
công nghệ
- P. Bảo mật
thông tin
- P. Hỗ trợ và phát
triển ứng dụng
- P. Công nghệ thẻ
và ngân hàng
điện tử
- P. Hạ tầng
truyền thông
- Ban IT miền Trung
- Ban IT miền Nam
- P. Pháp chế và
kiểm soát tuân thủ
- P. Kiểm soát
nội bộ
- Ban Xử lý nợ và
khai thác tài sản
thu nợ
- TT Xử lý nghiệp vụ
- TT Kiểm soát tín
dụng và hỗ trợ
kinh doanh
- P. Nghiệp vụ

Kho quỹ
- P.QL Đầu tư
xây dựng
- Văn phòng
- P. QL chất lượng
- TT Quản lý và vận
hành dịch vụ thẻ
- P.Marketing
- P. Kế hoạch
tổng hợp
- P. Kế toán
tài chính
- Ban Dự án phát
triển hệ thống
quản trị thông tin
(MIS)
- P. Định chế
tài chính


6 7 98

 
 


 
 

 

           







 
 


 

 
          
















 



 

 
           
 


  
       


 
 


 

 
 
          




14 - 

- 15
       
         
  





16 - 
- 17
       



       
         


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

         


         
       
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


         

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    



Cùng Techcombank
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yên trí trúng giải thưởng tiện nghi…


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
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         
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

          


       

















       



 

 
 
 
 

 
 




18 - 
- 19

       




       






         phát
hành thẻ nhanh - hệ thống cung cấp dịch vụ ổn định
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
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       


         







      









      





      




Cho vay mua nhà Cho vay tiêu dùng
2007 2008


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    



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
T




           




         


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
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
 
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    
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20 - 
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
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       
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      
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         
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Thanh toán thẻ và thanh toán điện tử tăng
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        


         
















        





         




    



 





20082007






3








22 - 
- 23






2004 2005 2006
2007 2008
31%
1%
8%
60%
Big Corporate
MME MSMESME




         





    




         








        














        











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
         

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

        
        




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










       

     



        
          


        


24 - 
- 25
2004 2005 2006

2007 2008
Hỗ trợ thanh toán và tài trợ thương mại
















        














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








           
         


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







2004 2005 2006
2007 2008
Hỗ trợ vốn lưu động, kinh doanh, đầu tư

phát triển


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

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


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
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



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
26 - 
- 27
     










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













         
       




2004 2005 2006
2007 2008
0
50
100
150
200
86
40
25
176
54

      

   

        


Phát hành bảo lãnh





         
      









Kinh doanh ngoại tệ và giao dịch hàng hóa
tương lai

        








2007 2008












28 - 
- 29
     




30 - 
- 31
 



 


 








          
         



      





        

 


    
I



       

   



       








      



32 - 
- 33

Rủi ro tín dụng là nguy cơ tiềm tàng gắn liền với việc
cấp tín dụng cho khách hàng. Rủi ro tín dụng phát
sinh trong trường hợp khách hàng không trả đủ cả
gốc và lãi của khoản vay hoặc thanh toán nợ gốc và
lãi không đúng kỳ hạn cam kết trong hợp đồng tín
dụng.







 



 

























            
        



     




        



















 




34 - 
- 35


 


 



 

          


Cơ cấu của bảng cân đối được tạo bởi tỷ trọng các
loại tài sản và mức độ đa dạng của chúng là một trong
những yếu tố cơ bản gây ra tổn thất cũng như quyết
định mức độ lãi lỗ của Ngân hàng. Xu hướng tối đa

hóa lợi nhuận bằng cách điều chỉnh các cơ cấu của
bảng cân đối dẫn đến mất khả năng kiểm soát mức
cân đối giữa tài sản có và nợ do chênh lệch về kỳ
hạn, lãi suất và đồng tiền gây ra mất khả năng thanh
khoản của Ngân hàng. Xu hướng tăng thu nhập từ
dịch vụ tài chính làm tăng danh mục về số lượng
cũng như mức độ phức tạp của các danh mục tài sản
ngoại bảng chứa đựng rủi ro tiềm ẩn rất cao đối với
thu nhập của ngân hàng nếu không được kiểm soát
kịp thời.
 

 

 
       

       




Rủi ro thị trường là nguy cơ trong đó giá trị tài sản hay
lợi nhuận của ngân hàng bị ảnh hưởng xấu do những
biến động thị trường. Rủi ro thị trường gồm rủi ro lãi
suất, rủi ro thanh khoản và rủi ro giá. Rủi ro thị trường
phát sinh do sự bất cân xứng giữa cơ cấu và kỳ hạn
của tài sản nợ và tài sản có của ngân hàng.













      

 
 

 

 
       

          

 

 
 

 

       



 




 

 

 

 


 
 

 
 


36 - 
- 37







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






    




 
      

 

 
 
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 
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 
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 
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
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




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 

 

 
 

 
 
 
 



 
 


 


 


 


 
 









38 - 
- 39
Hỗ trợ hệ thống thanh toán và thanh khoản














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
  

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

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


Hỗ trợ hệ thống thanh toán thẻ và ATM
        

 



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

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
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         
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
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
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













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










        












40 - 
- 41
15%
3%
82%
PTTH
        
       
         























      



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       


      

        
        


         


           


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


         










      

























42 - 
- 43



thương hiệu vì
cộng đồng,   






        







      





         
         
          



 


 II


 

    

 









      












       

      

    


















44 - 
- 45
 
 




 
 





        

 

 




       




        

 
         



 




      
         



 



          







 


       



      

        
   

 


        




        


       
       
        



 
 



         

 


      


         

       









46 - 
- 47

 


 
       



 

        

        
       

 


 
       



 


  


        
      

   
   

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