Xây dựng chiến lược phát triển kinh doanh tại ngân hàng TMCP đại dương sau tái cơ cấu giai đoạn 2015 – 2017














 2017














 2015














 2017
Chuyên ngành: Tài chính - Ngân hàng
01







XÁC NHN CA
CÁN B NG DN
XÁC NHN CA CH T
CHM LU

 2015







.

           















 -




             











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
          

 


  

             


      
 
 2017

 

            





 









DANH  i
 ii
 iii
  1

 DOANH 4
1.1  4
1.2  5
 5
1.2.2 








 7
  36
2.1  36
2.2  40
2.2.1  40
2.2.2  40
2.2.3  40
3: 










2012  2014 42
3.1 





 42
3.1.1  42

3.1.2 





, 



 43
3.2 











 2012 
2014 44
3.3 










 




 52


3.3.1 M(Capital Adequacy) 52
3.3.2 

(Asset Quality) 52
3.3.3 (Management) 53
3.3.4 



(Earnings) 55
3.3.5 

(Liquidity) 56
-  58
4: 




 GÂN
2015  2017 61
4.1 




 61
4.1.1 







 61
4.1.2 



 65
4.2 










 67
4.2.1 



(Strengths) 67
4.2.2 



(Weaknesses) 67
4.2.3 

(Opportunities) 68
4.2.4 (Threats) 68
4.2.5 Mô hình SWOT 68
4.3  70
 70
 71
4.3 72
4.4 












 





 73
4.4.1  73
4.4.2  74
4.4.3  74
4.5  75




 77
 79

i



STT



1
DATC
t Nam
2


3
NHNN

4
NHTM

5
NIM

6
Oceanbank

7
PVN

8
ROA

9
ROE

10
SXKD


11
TCTD

12
TMCP



ii


STT


Trang
1


 30/6/2014
44  50
2



52
3


 30/06/2014
56  57

4


66  67

iii


STT
Hình

Trang
1
1.1

8
2
1.2
Mô hình PEST
10
3
1.3
Mô hình Five Force
12
4
1.4

23
5
1.5


29
6
1.6

33
7
1.7

33
8
1.8
Ma 
34
9
3.1

43


1


 



xem xét.
        
 



                
23.0 

            
 
          






: ngân hàng
 ngân hàng TMCP Sài Gòn  , ngân
hàng TMCP Sài Gòn n
, 


2







             


2017
1.2. M
Lu h thng hóa lý thuyt v xây dng chic kinh doanh
ngân hàng. Tác gi s d phân tích các ch tiêu tài
chính trong hong kinh doanh t
s h thng lý thuy vào ngun s lic thu thp và
thông tin trên th ng tài chính ngân hàng, tác gi s xây dng chic
kinh doanh tn 2015 
2017  xut mt s gii phác mc
 ra trong chi

          
 2014) ?
 
 2017?
             
           



3
  h nào là

Oceanbank?
 


            



 2017.




c kinh doanh cho ngân hàng  2017.


 30/06/2014.
1.5. 


     



 2014.
 
 2017.



4




 phân tích các bài

t

 
              


1.1 Tng quan tình hình nghiên cu
Thi gian qua, xây dng chic kinh doanh ngân hàng
 c rt nhiu tác gi nghiên cu. Mt s bài vit, lut
nghip v  o và dành nhiu s quan tâm t các
nhà qun tr ngân hàng.
Mt s bài vit, lu   xây d  ng chi c kinh
doanh có th k 
- Yu t ngun nhân lc là v mu ch thành công trong phát
trin hong ngân hàng bán l ti Vietinbank nói riêng và ngành ngân hàng
nói chung (Nguyn Hc khác bit hóa cho hong ngân
hàng bán l.
- Xây dng quy trình  nh mt chic kinh doanh ngân hàng
(Huyn Diu và Dic và qun tr chic trong hot
ng kinh doanh ngân hàng).


5
- T ng áp dng công ngh thông tin vào ho ng ngân hàng
nh th cnh tranh so vi th cnh tranh (Nguyn
c cnh tranh hiu qu cho ngân hàng bán l.
- Xây dng  pháp xp hng các t chc tín dng theo chun
CAMELS (T      ng kinh doanh và ho nh
chic kinh doanh t.
Các bài vit, lup, khái quát nhng thông tin v xây
dng chic kinh doanh ngân hàng. Các tác gi  ra
rng mt ngân hàng mun phát trin bn vng cn phi xây d  nh

ng mt chic kinh doanh rõ ràng, luôn tôn th và c gc
các m c bin t u hoi
s  ca NHNN (sáp nhp) thì mi mt ngân hàng li gp vô vàn khó
 ng cho mình mm tái cu trúc li h
thng, ngun nhân lc, qun tr r ng mt cách bn vng.
Da trên nhng ngun tài liu tham kho, trong nghiên cu ca mình, tác gi
tp trung nghiên cu nhng lý lun chung v xây dng chic
ng chic
kinh doanh sau thi k  u (2015  2017) ti

1.2  lý lun v xây dng chic kinh doanh
1.2.1 Chic kinh doanh










 . 
 











.
C


















































(General Ailleret).


6
C





















 , 











 (F.J.Gouillart).


































(G.Hissh).






























 , 





























 (Alain Charlec
Martinet).



















 

. 













 (Boston Consulting Group), 


















 , 







: 

, 





, 











M











 (M E. Porter, K.
Ohmac).






 , 










 ,  , 

t.
: 






















(5  10 ) 


 
.


7











:
- 















 , 
,  



























 , 











, 









. 



















.
-  , 

 , 












, 



, 









 

 . 






















, 






.
- 
















. 










 



, 



, 























.
- 



 
 ,  , 






 . 












, 





















.
1.2.2 






























04 



(1.1):



8

Hình 1.1: Quy trình xây dng chic kinh doanh
1.1.2.1 









 

 . 












 , 













 . 



,
 



.



, 












 (






). 











 . 




















 . 











 , 
. Trong kh

, 



















.


9
























. : .
- 



:
 
 









 


 
















 





.
-  


















, 





:
-  : , , 




, , 







- 






















- 





















- 


















.




:
-  , 
tiêu chung, 
-  , 










- 





.
- 
- 

 

























.


10
- 















 : , , 




, .
1.2.2.2 




nh






, 



















. 



















 . 





















.
























h doanh (1.2).

Hình 1.2: Mô hình PEST




 : 














.
 







- 



 


11
  


. 



















. 



 : 









; 




 

 ;  , , 



; 


/






; 



, 
- 
 . 
: 





 ;  ; 


;  , ;  ; 


; 
- 



 





 































 . 




: 

/



 

; 





 , 
dân; 



; 


, 
- 














 , 








. 





















 



















 ,  . 










 , 


. 



 , 


thông tin,






, 








, 









.
 











  , 
 , 














12
. Theo Micheal E. 




 (

 ) 



.












:

Hình 1.3: Mô hình Five Force
 






, :
- 

, 








 , 


:
 







 : 








, 








.
 







: 























.
 






.


13
 














.
 

















.
- 

, 








. 






















 ? 


 . 











 , 











 ,






, 
















? 








, 








 . , 










:
  , 






.
 hi.
 , 








.
 , 

.




































 , 























.
 

tranh. 



































. 






































tranh.
































. 
 : 


,  , , 


14
,  , , doanh























 , 













, 

, 

, 






 , . 



, 











, 

.
 




















 , 
























, 

, 

, . 








 , 






 . Tuy nhiên,  










 . 



















, 



: .  , 



 ,

















  
. 
. 




: 









, 


 





,  . 


, 







 ,
 

.  , doanh
















 . 






: ,




















 , 








 

 . 
















 , 















15
. 

, 





, 


























.
1.2.2.3 














 

















. , 

























. 






  . 



, 






























.



: 

, .
 


























, 












 . Trong


, 































 , 








 , 






t,






. , 





























 ,










, 



.
















:
 

















, trong 













. , , 











