MỤC LỤC
PHẦN MỞ ĐẦU
1. Lý do chọn đề tài
! "#$!%&'()*+*,-,&.
/0-12)3#,45*678)*79! :;(<&=>?@7(75
A#@4-,>8+(B-#2C*2"#D*,&EB !7A#*+4* @
D*$*8+(B&8F*(G!4>-HI$!.B !7JCJH
&42&7KB!1!8L*M9
! /D *N &O> P** (/7- O *# 2
P** (/7-B*$Q?RO!>#H$#=27!Q>SC*&.!G
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P** (/7-*Q(4JD-O-;9V#R$IC*W&O>P** (/7-
*<*O:7=&'&.3$*&1B21,*67(%! 8+"#7*B!7!
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(%9?%ZK &O>O(&E*T&A[\,8F*(7!-PP** (/7-
B*$Q?R]&.(&A*^#9
2. Mục đích nghiên cứu
YM*C*!BC*@*,8F*7!-P*67P** (/7-
B*Q?R&.%(!7*$*_B2*$*#=B*,*67O&.I&O&A
3#R (4 JD N $ `( @ *, 8F* 7!-P *67
P** (/7-B*Q?R9
3. Đối tượng và phạm vi nghiên cứu
a D8F*^#[5!#*^#*,8F*7!-P>*U.*$*4
K#2AJNb(>K1*2Uc$*NcDc3d*,2S!F-K 7c*+JG25
*R>-e#5*H@c"#=!%*#^9
a YB(2[*^#=,-N J$:-$*JfKUK1*2U*67
P** (/7-B*Q?R9
GVHD: TS Nguyễn Văn Nhơn Trang 3
4. Phương pháp nghiên cứu.
*^#=JfKU*6=,#*$*8+$&1M88+$
D->'F>M*>J J$JD@#>8+$&$$H"#7*$*
#_@#>"#7#5HI/$ *M>B*M*#=>/$ *$ 8L
g&.&87!75&19*B&O>*^#=*Q-,F(4<2)
*^#&18FH"#7/N*#h&.-N J$9
5. Kết cấu của đề tài nghiên cứu
<(G&<#>-,#5>*$*UU*>/N/.#>*^#&8F*!%/=
! i<[
a Y<j['"#72A9
a Y<k[C*!B B&47!-PB*$Q?R9
a Y<i[,8F*7!-PB*$P** (/7-7& Bkljim
kljn9
GVHD: TS Nguyễn Văn Nhơn Trang 4
PHẦN 1: TỔNG QUAN VỀ NGÂN HÀNG TECHCOMBANK
1. Lịch sử hình thành và phát triển
8F*5=kXolpojppi2)JD2D/7&<#klq&_>!N"#7jr
;( B&4>&,7=P** (/7-&E!G(4! :8+
(B*'<&<#?@7(2)'JN&B!jrl9rXsq&_tM&,,
;(kljju9
P** (/7-*O*'&H*,8F*v2)klw*'<9?)
(B8)+ill*$>Q7 K1*!ssx2D! *N8)*>
KC-,&,*#D;(kljk>P** (/7-Jy,U*(G!4>'JD$
2YQ7 K1*!izl&.(! "#D*9
P** (/7-*Q&<#2K#=R&8F*{7*7JJ|
K7@#K}&<#2AN$2^KU*H@9@B>2)&4~
2)!X9rll8L>P** (/7-#HJ•J&$^(T=#*<#2A
K1*2UK* -$*9P** (/7-@U*2U!k>i!@#-$**$
>!zz9lll-$*K 7@9
Các cột mốc lịch sử
1994-1995
• ;2D&A#@nj>spnq&_9
• 5$P** (/7-_M>-G&<#* "#$!%$
!.7*O*67P** (/7-B*$*&H1)9
1996
• 5$P** (/7-;€ *•YQ7 K1*#=W
M7B49
• 5YQ7 K1*0€F!C*#4*P** (/7-_M9
• ;2D&A#@,U*Xlq&_9
1998
• !UJG*M&8F**#=.J7 P** (/7->jn ‚#=I>49
• 5$P** (/7-•B•9
GVHD: TS Nguyễn Văn Nhơn Trang 5
1999
• ;P** (/7-;2D&A#@rl>lklq&_9
• 7!8+YQ7 K1*JDiBD(>49
2000
• 5YQ7 K1*$B49
2001
• ;2D&A#@[jlk>isnq&_9
• Z-,F&_2)*#*R<(A(@D&<#!
,)P(P J K?> 2A2@*!.-7@D< (A(
€ƒv* @DP** (/7-`(&$^=*D+#*<#*67
-$*9
2002
• 5$8+‚8+2$ ,(BH9
• 5$NYQBNYQ9
• 5$7B•9
• 5$%BD_M9
• €'<*O(B8)7 K1*!4RB6&H49B
8)/7 _(4JG*M2r$*•sYQ7 K1*B*$*D)
! *N8)*9
• ;2D&A#@jls>sinq&_9
• #b/1$*',#()&.;2D&A#@P** (/7-klkq
&_9
2003
• M^*$„7 $(7 [{…J**PJJa P* kstF$*2)
?P* (/7-u2 =lnojkoklli9
• !.-7*H@D<(A( /#J! @D2 =
jzojkoklli9,3=KC(4/.#8F()* 9
• 87*$P** (/7-F)2 B&49
• ?D&A#@;jrlxBijojkoklls9
GVHD: TS Nguyễn Văn Nhơn Trang 6
2004
• =lpolzoklls[7!8+/.#8F()*679
• =ilozoklls[;2D&A#@kisx&_9
• =lkoroklls[;2D&A#@knk>knnq&_9
• =kzojjoklls[;2D&A#@sjkq&_9
• =jiojkokllsZF&_(#7<(A(*#=.(B*2"#NZ„2)
(7JJY#J9
2005
• 5*$**$*RjB[€ 7>8†>?‡Yd*>0*>9Y
7!7tx$ u>?~#9
• 872 B&4*$*Q7 K1*[P** (/7-Y7#!t
•u> P** (/7- <# A# t€ 7u> P** (/7- #=W R >
P** (/7-ˆ#7!#>P** (/7-!8Lt_Mu>P** (/7-
f77(>P** (/7-5#>P** (/7-(€t4u9
• =kjolXoklln>krolpoklln>krojloklln[;2D&A#@sniq&_>spr
q&_2nnnq&_9=kpolpoklln[7!8+<(A(*#=.(B*2"#N
Z„*67E (7JJY#J9
• =liojkoklln[*R@D<(A( /#JJ7/N()R
PP( Jksn9
2006
• 5N8G2A7 $"#D*,IP7- ‰PŠ† !-J>/7->
‹7* 279
• $kokllz[Y$*^*xAf€4*V#9
• $nokllz[5*d2\?%JC,/43E42$!./A2:]K
'& 7 &4?@7(!7 9
• $zokllz[7PP!2&8LK=Ols9pskXsss*M^*&2 B
&4ksoX9
GVHD: TS Nguyễn Văn Nhơn Trang 7
• $rokllz[ K=ŒJ>E3,BM@(&<#,)&E*H/D
3,BM@(*67P** (/7->Y&<#B?@7(&8F*3,
B/G K=ŒJ9
• $rokllz[B4*'&H8LH"#7-, B*kllzmkljlc
€-,*#*R*$*JNb(7*7JJ#!7*P2)N ?@T9
• $pokllz[ @@DJ#- N2)*$*JNb(()
- N,-@(&7;>- N,-@(!NE&1-•9
• =ksojjokllz[;2D&A#@j9nllx&_9
• =jnojkokllz[7(0„7 $"#D*,P** (/7-?J79
2007
• 'JN&B<k>nqƒv‚
• !G*O(B8)7 K1*)^7! -D
Y2)<jil*$2Q7 K1*BL&.(*#D;(kllX9
• v;<2DOjnw2!C*,S!FM**C*! "#$!% B
&4*67P** (/7-9
• #=./,J#J0*2A(|*+*R#2)2@*%-DK1*2U-$*
K 7@>5Dˆ#NZMKU2"#N!1!6! > @*+*R#D
‚1*2U2*M*$9
• *R@D* !P/7-kslz9
• ;($!.28F/5**67K1*2U„2)'JD8F$&B!
kll9lll„*$* B9!G?@7(&<#2K#=R&8F*{7*7
JJ*H5C#2A^KU*H@&&<#! N$$!.1
!8L
• !.-7*8+!%\$*/M(5]&$$*R8FK1*2U*67*$*
7 K1*22&.(7 K1**67P** (/7-9
• 7(0 B*$*JNb(()[8*$**8+!%,-@(KC8G
\fP** (/7->!dP!*PKPJ]>,-@(M*~=/N 7>MKU#K•>
*$*JNb(K* K 7@8!F*#*Rc*$*JNb(KC7!
AN*H@*7 8(7 [{…J a7->JNb(ˆ#NZ- NA*67
GVHD: TS Nguyễn Văn Nhơn Trang 8
&<#8*^- $(7 [{…J va7-2'7 $&@f*#*RN
$7 $!C*#=,* *$*!7ŠP/8+(B&@f(7 [{…J?PY7= 9
• 5N8G\8+(B‚1*2Ua !7KPvP!2*PJkllX]aN8G
K* :K 7@#/.#> B&4! jj‡2C*8+(B‚1*
2U(?@7(*7(-,C*@-75‹K 4H8+!7 |9
2008
• $lkokllr[5K7@#\‚1*2U&8F*QR;(kllr]K &4*
N*67/$ vQ,1/%*T
• $liokllr[7(0„MKUP** (/7-?J7!PK
• $lnokllr[!.-7($=fAC&4‚
• !.-7 BKC$@&BO7*H@8[*R@D<
(A(Ž/Nks9X>2*67*N7(„)R
v(7!-27-P>-,D@D2)&D$**,8F*v>!.-7JD
‚1*2U-$*(WMtS!FksoXujrllnrrrkk
• $lzokllr[!F*#4*v7 7.(•kllr
• $lrolrokllr[7(0H=ˆ#NZF2-7$*JNP** (/7-
• $lpokllr[5N8Gv7 ?R?@kllrK 4‚ 7@
!„!7 |
• $lpokllr[;q@JG:#*67&D$**,8F*vIjnwklw
2;2D&A#@i9jznq&_
• $lpokllr[7(0„&_8+@#P** (/7-m?P7(!PJm
?J7
• =jpojlokllr[5N8G\8+@#*^- $#=M]2\H
=*'<&<#?@7(]K ƒ!7 |9
2009
• $lXokllp[;2D&A#@s9iiXq&_
• $lpokllp[;2D&A#@n9sllq&_
GVHD: TS Nguyễn Văn Nhơn Trang 9
• $lpokllp[Z-,F&_!F2D27=/0**<#KC$jz($=/7=ikj
2)?P7(!PJ9
• $lpokllp[7(0JNb(,-@(Pg9
• 5N8G\ nllK 7@)R?@7(;(kllp]K ?@
7(P !!7 |
• 5N8G\3#RJ0*! B&47 $"#D*,]K
‹7* 27!7 |9
• 0&<#-G&4*,8F**#=.&'2)JCS!F*6782R&<#
,)*JP=9
2010
• !.-7*$**8+!%*#=.&'*,8F*'.>*H/D<(%J^
(@2*$*$!1*DŽ*67P** (/7-9_LC*@2@*$*R#!d*(H
(%-K 72"#NZ2*#=.&'2;O7K 7@
• $lsokljl[BN8G\HJ7 "#D*,K}&<#2A"#NZ*R8F]
tP!7 7v7!‰ !€P7KP!Jˆ#7=Š7!KuK ‚m'*^*v$-,‚ 7
@"#D*,!7 |9
• $lnokljl[5‚721\8+@#"#D*7kljl]
• $lnokljl[5N!F8+(B;&4R-#2C*
P** (/7-K {>2*67,)!7 |
• $lzokljl[5N8G7 $"#D*,3#RJ0*;(
kllpK 7-!7 |
• $zokljl[;2D&A#@z9pikq&_
• $Xokljl[5N8G\DR?@7(kljl]K B*M
#! ( P=!7 |9
• $rokljl[5N8G\v7 ?R?@kljl]K 4K 7
!„!7 |2N8G8+@#?@&8F*8#M*R;(kljlK $ v
QNO!7 |
2011
• iokljj[5N8G\q@&@M*#b]I7- ‰PŠ† !-
GVHD: TS Nguyễn Văn Nhơn Trang 10
• sokljj[8F*3,B! \ nllK 7@&<#?@7(]I'
*^*?nll25N8G\vNb(MKU*67;(]IL$ ,
?@7(9
• nokljj[5N\‚ 7@&&<#]*67'*^*‹ !K* ‰PKP!7 ‰
/#JPJJPJ
• zokljj&,rokljj[5rNK7$*67*$*'*^*"#D*,#=M>/7 _([
• \PPJ7-?P7(]aDR?@7(;(kljjc\PPJ
7J77P(P7-?P7(]a"#NZA@DR?@7(;(
kljj2\PPJ!7KP7-?P7(]a!F8+(BDR?@
7(;(kljjK B*M{7*PJ7!7 |9
• \PPJ7-?P7(]aDR?@7(;(kljjc\PPJ
7J77P(P7-?P7(]a"#NZA@DR?@7(;(
kljj2\PPJ!7KP7-?P7(]a!F8+(BDR?@
7(;(kljjK B*M7v #7JJ7!7 |9
• \PPJ{V! 2KP!?P7(]a*#*R BDDR;(
kljjK B*MJ7 P=!7 |9
• \?P7(P7/7- ‰P=P7!]K B*MJ77-7K‰7*P!7 |
• jkokljj[5N\PJK (PJ*/7-?P7(]m4&17D
R?@7(K B*MPJJP!7 |
2012
• 'JN&B(^*jXp9pisq&_m*7 R! *$*Y
• #=.4JG&,Q7?* (!#(6H>.@*7(-,&<#8
(B(y`(28+<(*7 ()
• ;JD8F-$*(^*-qU*k>r!@#9
• 5klN8G"#D*,! 2Qk;(>&$*dZ*$*N8G
DR?@7(&8F*!7 /GPJJP>PJ7/7-P!
2013
GVHD: TS Nguyễn Văn Nhơn Trang 11
• 7(04JG()B(A7(`(BQ7B`(!#(Y>
JDj€$H>.@JC*7(-,*#*RJNb(K1*2UDR* -$*
M77(
• 5XN8G"#D*,>! &O'/5*O*$*N2A"#NZA
@2!F8+(BDR?@7(>DR?@7(2#=.
KUDR*67*#;(klji>2v7 ?R?@9
2. Bộ máy tổ chức.
8F*52)2D&A#@klq&_2)(U*&M*!G!#
7*M B&4@#"#N>*<#D@:,-@(2)*$*&<#
8&7*2D-K 7>$!.A-,! L-%(G*f79,7=2D
&A#@*67jXllq&_2'JN&B+ip9nnrq&_>
P** (/7-!G(4! :*'<&<#B?@7(9
P** (/7- B&4!*$*‡2C*-e#5>*H@8+(B>K1*2U2
&|*/@ B&4MKU2)R*N*$*'*^*! 2 8)*9?)*$*-$*
/7 _(A#<-,8*$**H=*'<>*H=!$*@(
:#B>K 7@8>K 7@8)*>*$*'*^*"#D*,2*$**$
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! 8)*>2(48+(B&7;*#*R&<=&6> d2&7
KB*$*J7b(K1*2U!#=AD*~8*$*K1*2U()2)*H
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4($=*67P** (/7-&8F**+*R#'*^*!R*|*y>! &O[
• 4JG[&<#(D!#(94JG2I7*1#JC*x&B !C*,*67'$(&D*>
YO'$(&D*>2I7*O(D@*|*y2)*$**$2*$*Q7 K1*
-$*! @D9
• N! 4JG*M%*$*Q/7*~&8F*'*^*!R B2*O@#
"#N9
GVHD: TS Nguyễn Văn Nhơn Trang 12
• SQ/7#=*O*^*;>@(2U!8&A#&8F*&|! (D"#7@
*|*„2)*$*Q/7-$*&.&N(/N JCDRI!3#DK8)*67/4
($="#NM9
3. Cơ sở vật
chất, kĩ thuật
và công nghệ
3.1 Cơ sở vật
chất kĩ thuật.
#= L
7()5
P** (/7-*87
*O&6#_C*&.
3=KC&8F**+
JGB<-7!798*xJ7#(42;(-K 7>R! L7
<&=>P** (/7-&O3=KC* (%(4@D*+JG25*R&_J42)(4
(B8)&.(7 K1*!4!E2!7,/1@&B&<#! @D
Y9
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*<#v‹{tv *P=‰ !‹ !KŠKPP!/7-{7*7u9=(BB*&@
f:7*$*! *<#* •7 $"#D*,C*@7 K1*2)
/ DR"#7Q"#7@&D Bt7=!#(7 $2
&BZuB4JG9L25=>q@&@*#b*67P** (/7-#4**7 R
8)*tprwu9€U*! k;(Aklli>klls>P** (/7-&A#&8F*5*$*
*^*x"#D*,2Aq@&@*#bI*$*"#D*,K7,8[v7K7!K
7!P!7->7- ‰PŠ† !->/7-9M&,,$pokllpP** (/7-*O
kll*$2Q7 K1*!slxD>nll($=2klll($=
Yv9
GVHD: TS Nguyễn Văn Nhơn Trang 13
@BP** (/7-2! @D(„_(<kl
)! 8)*8?P* (/7->ˆ#&4>7/#/7->999L25=>
-$*JfKU„*67P** (/7-*O.KWK!dA7=7 $>*#=.
- NB($=2Yv*67*$*-$*! (! "#D*9
M @ F * -$* 8+ *( B &4 &<# *
P** (/7->2%25=>P** (/7-&E7*O!.-7*$*KC$)d-$*
*O.*6&4%(.#!7*^#HI37H"#7*$**H*U*67
P** (/7- (P/7-8[P** (/7-7**PJJt*#*RHC
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&4u>P** (/7-? *P**PJJt"#7=JDjplljnpl!NLC&4"#7'&u2
J0)P** (/7-Jy!.-7KC$7PP!tK1*2U82R2!NL!C*,
-$*H"#7JD&@ B*D&1u9
3.2 Công nghệ.
I-5>P** (/7-5^*&8F*M\!„]*67(%a
,#2A-@("#NZ*M>%*H@N=,#D/•&0>K 25=>
P** (/7-,J^**d!T)2@*&<#82 ^KU*H@`(!d0
L7C*@*$*"#=!%@2U>3fZ7-D8F*H2@*)>!F
d*$* B&4"#NZ2B*,!6! ! >/0-13#,2D!R
B*679
! /D*N B/B&7C*@@&BO7`(D&7
O7*$*@M*(JNb(K1*2U*O.&P(B* -$*9
!7>3#8)-,:7*$*`(D&7O7:FM** -$*
I2@*5KUF,*H@*677#9.^&D2)2R&A=>P** (/7-&E
(#7<(A(@D"#N!1Ž /#JI;(klli2&E!.-7>
-7$*D,(B*67<(A(=9=*+JG&.* !7&L B
JNb(()*OM*H@*7 9Y/N()R*67@D<(A("#N
GVHD: TS Nguyễn Văn Nhơn Trang 14
!1=*OTks!n&8F*P** (/7-!.-7I&<#$jk;(
klln2)*$*M;,'/58S!F&7($=*6t(#aJP!2P!u9M;
=* •@D*O.*B=&_L!A#($=*6-$*7#>*N@
&$ D*&4B* $2!#=3#RH>"#7&O;*7 @#J#R7 K1*9U
.ks!n*O.* •C*@)j>lll7 K1*o=>*•d**
•)jjl>lll8L!#=*5tjl>lll!C*,2jll>lll"#7P!Pu2"#N!1)
nl!@#- N-$*9
*B&O>P** (/7-&EO7(B*H2)(B8)oYv
*67?P* (/7-9‚ &O>*H$*$„{…J**PJJ&8F*&b=(B9;(
klli>&E(#7<(A(*#=.(B*2"#NZ„*67 (7*Y#J
&.,)* •P** (/7-C$„>"#NZD*$*&.(*R57
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^iJ7#?P* (/7-2&E P! @D9v 2)*$*
-$*>P** (/7-&E&!8)*&8F*jak;(2A*H@9
4. Chức năng và nhiệm vụ.
- #=&42D/`4@2 B@IK*82*$*'*^*-,2)A#%
^*[Af,-@(-H-•B2*O-•Bc$!$,#>-•,#>*^
*xAfcAf*67*$*'*^*MKU>*$*'*^*-,
- 27=0B>!#B>2KBt! &O[* 27=P %^** 27=I
<>* 27=P B(^*MKU>* 27=P KC$&<#8>* 27=F2D>* 27=
!NOgu
- ,-R#*$* BR=L*O$t/7 _(*N4@2 B@u9
- 27=P *8+!%KC$2-, B**67*M69
- 27=2D!F>6=$*9
- C*@*H$*"#e[#*B9
- C*@@2U* 7 $"#D*,9
- C*@&<#8K8)%^*8[•2D>K 7>(#7*',#2*$*%^*
&<#8-$*2)*$*‚>-$*g
- K 7 B@9
- K 7*^- $2((H)$*^- $9
GVHD: TS Nguyễn Văn Nhơn Trang 15
- K 7/N .(>82R2A-K 7A@HMKU2QI7!6
! >C*@@(2U-•J0>*R:/N "#N2"#NZ*$**^- $>R=L*O
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5. Tình hình kinh doanh trong những năm qua.
5.1 Hoạt động huy động vốn.
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5.3 Hoạt động đầu tư.
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5.6 Hoạt động dịch vụ và thu phí.
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5.8 Kết quả kinh doanh.
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5.9 Khả năng thanh toán và khả năng sinh lời.
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6. Điểm mạnh và điểm yếu
6.1 Điểm mạnh.
Kết quả hoạt động kinh doanhh và hoạt động huy động vốn của Techcombank khá tốt.
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Các gói sản phẩm của ngân hàng đáp ứng một cách khá đầy đủ nhu cầu của khách
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6.2 Điểm yếu.
Vốn chủ sở hữu còn rất mỏng:
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Hệ thống các chi nhánh, phòng giao dich, điểm chấp nhận thẻ ATM, mạng lưới post
ATM còn rất hạn chế:
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GVHD: TS Nguyễn Văn Nhơn Trang 25