Giải pháp tăng cường huy động vốn tại ngân hàng TMCP An Bình

LỜI NÓI ĐẦU
 !"#
"$%&"' ($)*%#
+,-,./%0-1!%-23%#
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"77 89"
.:%" ;<= "%:%6#3
%#+!)7%>7%#+)%
?6%#+:%# 6'0%%@%#+
,1 A.-6BCDEF%@$?
,<F%#+G,.H1A5 I-J(F:%<(
):%2(+%#+3
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2C +"' (!%K F(+
O 6>"' (P" 4QO6:%2
06(":
cuéc c¶i c¸ch nÒn kinh tÕ ®Êt níc.
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)7%55S“Giải pháp tăng cường huy động vốn tại ngân hàng TMCP An
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LM>3
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1
CHƯƠNG I
CƠ SỞ LÝ LUẬN VỀ CÔNG TÁC HUY ĐỘNG VỐN CỦA NHTM
I. VAI TRÒ CỦA NGUỒN VỐN ĐỐI VỚI NHTM.
1. Các hoạt động chủ yếu của NHTM.
1.1. Khái niệm NHTM.
]>&U:%0#2%/"#15-2E
$.^ '2E##2%0%E
?F&U$)E?$%$+:%('_
`%F&UDE1+;^#E
?,(3
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8"' ((+1.5%2a 6
3&"K *,D  +-:%
>%#DB5-2T%:%)%40.5-2E
$.:%<3B 6>"5-2-2(
$T%%#. 6>"5-2E 6>D
7$.#D4$47:%<(+5?1A
7-151($(>"B4/$
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 bcdd4e!%> 6>"f0f"
g"W"&h?1A6#
?i*?7,$.#D#U6>"C
 #4@ S
- "S':%:%<0a5?
1A"3
- V&US$81-153
O%TD7?1A$%Bbj bccd&U,E
a.%S“NHTM là tổ chức kinh doanh tiền tệ mà hoạt động chủ yếu và thường

xuyên là nhận tiền gửi của khác hàng với trách nhiệm hoàn trả và sử dụng số tiền đó để
cho vay, thực hiện nghiệp vụ chiết khấu và làm phương tiện thanh toán”.
Ea)*-kE&U +1(+a
5$$ I'4S
2
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l]H1A--<$#2-0%3
Các loại hình của NHTM:
m&U:%1S&U,T4=bjjn3
m&UD!S&U,T1>76#D!3
mV&US",TO%T
(+O%T.C(3
m")1S",T4=$4)"
K 4)"$A.C(K (+O
%TK 3
o%>&Ue5:%>E
?6:%(B02B'27(3N 
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-2$D7RA"
'3##&U$/%#1
:%# 6+G5%(>1EA%#+%@_
/*+!%#3]"-68= ( 
:%  ?0!%3K?1AS"2gpMi"W
V"%gL[Miq1A6624E
( (+"C)
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R:%4! E.H7-24%# >,
:%I-$-12+404.5-2E
3:%'bj D .%-VE&+@M+Cg#
V?i4EErX&MgfstXtbcddi+1A“Cải tổ ngân hàng

từ hệ thống ngân hàng một cấp duy nhất trong nền kinh tế kế hoạch hóa tập
trung thành định chế ngân hàng hai cấp theo hướng kinh tế thị trường”.#
fXtrtbccj*45"3#fstbftbccu
),#24=%TSv%T"v%TD
7?1A(, +<-!#(+"3M+
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+'10%.#DaR 3
&&UK B-#*1!-kE,
8:%P5-2$%?.?w
5$)3K`7T5H#5-2
8%?(+ >&U`%"O.
3
:%< 2.:%<"%'3V?
1.:%<#&U*,7 >
5-23%x')&UI4! :%P&U
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&U3
1.2. Các hoạt động chủ yếu của NHTM.
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6:%$8%?5-23"
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 +(.-6;3A#*(,%TI1
"@(?-64)G$,3
Nghiệp vụ tài sản nợ (Nguồn vốn)S
"#A(5%-55(+&U3V&U
%#+ P%@( _5-21 P>7
 A!%#!-2;PD 

24E./%0"0/CAA-1q
Nghiệp vụ tài sản có (Sử dụng vốn)S
lA15 IS
"15 I= 1%#>--"7
%!%;5/%#))A-407;3
[5 I#0A%+:%# 6(+'0%?0
%@&U3V-1&U-6.3
lA!%S" $)1)-2T6#
333
lA#SV#AO (,%T#2%&U3
V&U.H1A!.5%#+,#5-23v,
%T%,B(+#%@%T?4Ge(?
(+"%,&U3
Các dịch vụ Ngân hàngS
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AAA-S1EA(<0?333)'.C$
"%?1EA3##1%!%5-289(
+1EA"# C+5.,0,3V"
4
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-"%-61G5 I%z %%z
.{4GB%#5:% ( #?
4=Q?1Aq
-"%%71EA$! %T">
/%(+&U( C+(+1E
A@`1%#>A"%#56:%1(
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E2?"a%7.^ ?3
&(+-1(O ("-%TB
)z1EA:%2$?1,3

T#!?'0%D%T&U*#,7
B-!%1EA?1,3
2. Nguồn vốn của NHTM.
&(+&U%6e56%#+3KT#%
2|
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6a$8B0!%
!-2B)%A.^  !
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I#?1A"*.%00320#%!%
10-%@".0($(
%@_1"-6%;,>?.%#+
,<AH5;58 qT#'240* 
@5-6,%6.H1A$%:%-6$'1E %
4)E3UI-'2%#+.H1A-J#
,:%" ; 73
N5-2%#.'2E?.5-2
5%!*-%#2-?!-249!%3
5%$ C#2%:%P!%5%-):%#2
P:%>!%./%0-13V1-64_
1 $,>-6,0)4%+P>
 %)E?32 %*$
)E +-?$,:%#5.H1A/
E36:%E,%%#+*B$$ $
5
408 >3V3U*-:%( GS}4~:%
Ea2.76PS}4E (I1~3
T#vốn phải được biểu hiện dưới hình thái giá trị của tài sản tức là vốn phải
được đại diện cho một lượng giá trị thực của tài sản nhất định.UI--6•
4%5g50#4(:%<qiE.

%>g # $24E0Hqi 8,4%4=E
.6>g%#?>+ .266qi
?>.4%1>7;1($ !
,-.H1A$%:% O (,%T3KR:%$;
"45'1€1'S2%$ +,5,-6,
)'.CE!%>$•(7
-6!%0•@5)'.C 4
4=E ,P3
*42:%>T+-( /%0
 -2;5%53]% +%-JT+,)O (
%:%S
1./%0S
l&33]h33&l• •‚mƒ
&US
‚&l•
V8D7?%S
‚l•
$ (B{IG)$- .%SK
./*+,!%=  (%:%'3K>2
5-2E1G(+a>R +#2%
:%P:%#2E%:%$3&(+"RT# %(+
-1$%:% (%:%>6%#+!,:%
" ; 73
R40-J-)2 %6
$l($R!$3K>-$5%-!%
6$l($3K5-2$? %
'2%5-2.yT 3],(TB"%
4=A%+0'2?.(3
%@&U$8:%P-6•(+-
1" 8$8:%P:%>-2w

/*+3
6
Vậy, nguồn vốn của NHTM là gì?
Nguồn vốn của NHTM là toàn bộ các nguồn tiền mà ngân hàng tạo lập và huy
động được để đầu tư cho vay và đáp ứng các nhu cầu khác trong hoạt động kinh doanh
của ngân hàng.
%@ "(T%#+,-6;"
D7, P(+-1 8$!:%P
!%./%0-1 _1$)R.
4+5-2:%1"$%3%#)%@&U
,>B5%%@-%S.C%%#+
#(-3
2.1. Vốn chủ sở hữu.
K.C%$<a0:%P(+-1&U
$ +.7-6#2$S%0%@4!%
"$1%#>(+-" T'.C(5
-21E"8B-1"
3K.C%4@ S
2.1.1. Nguồn vốn hình thành ban đầu.
"#,5%":%#E55%-T
"%T3%@@#,% "!
$75%-TR(+-13V(>"
-%>$%@>4!%-%S"
:%1>%@>4!%1".02%"
)1>14))1$$2%"D!>
D6$6:% %D!ID2%"F2%"
">$%+.C%"3
2.1.2. Nguồn vốn bổ sung trong quá trình hoạt động.
K.C%"$O5%'7-%
G#%+5%-A:%>(+./%0-1"

3$4@ S
%@B,%TSN(+-1(,%T>"$
%# +!,%T%@= !%3v,?R#%
TG#O2,-1"R"
e"5?R#)%1G3
%@4D.%B) D!$) 0) q C+
:%# 6(+ID 24EI7%!%
7
1":%#EqI >7%#+#
-6/%#).;"$,,.C%
;!23
2.1.3. Các quỹ.
"$5%:%„-% _:%„,.H1A A
?0EG#%+>>-1"3V:%„"
%+.C%"3%@>:%„#B%T
"3V:%„"4@ S
lo%„4D.%5%S$ A?.$4!%3
lo%„184GeS[G184Ge(+-
1"= 45%3o%„#,?T ,
?R#(= 4GeD0/#3
l8$:%„I4-S:%„-OC:%„;,:%„-0%
.E:%„ q
[8S[8?1A,&U?TB%T
I.%%2gO:%#EB:%iO +z0E$3
N?T#:%P!2(+">5
-2E-6-940--$/#-$
"$?:%„4Ge3
2.1.4. Nguồn vay nợ có thể chuyển đổi thành cổ phần.
V-#%1(" $-%#D
D!$, +4+T.C%"g4D.%i1

%@#$ +.I .H1A"%1$!%H0
$-6-2(3
2.2. Nguồn huy động.
%@%#+-6%@%+.C%"(
#2%:%P(+-1%,%T">
5H5;-6@I)% +,0E3
".y.H1A,( _# A?#-2 3
%@%#+%@#2%2 zP0D%@
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l5H1ES
 v(5H1-H=  A?1E
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8
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.{*.%00$?-6DE3
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M@ 5H2- 5H$-J(;$?DE
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.%0'.*.%05H5H2- $?DE:%#58
5/2.%(5H-3
2.3. Nguồn đi vay.
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' (%3
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4D.%1333,#2-0%&U+&p0#
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V?333;(0# ;$%#
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"i3N#$$I-6! 41)'.C%#
?"#I :%"%3
9
>7)"$# ,4=6
A,SN>2%2%?2%)E3V-##$<
a0:%P= 4D.%%@5H7%!%#
!%%1(>2"-$-3
3. Vai trò của nguồn vốn huy động.
3.1. Đối với nền kinh tế.
2>/"#1 +5-2 (T+O
'2E#@05 +E
?/7! 35-2E P(+./%0-1
'ED7-2"5%E%.+E%:%#

%T-2S:%#%T(:%#%T%!%:%#%TEqV?>T#
1@(,)'-6BD 6
C+:%# 6./%0"0,.^ qK05#,
-•-1%#+,,!2.H1A$%
:%;; A?3%@$1-6
7,%!%11$1#= 4G
e%!%!% >3K./%0E?
"' (>#1D7-2
"C)1€1'3[$+> -2 B5%%@
-%?2- A''05%3
V?5%,R!%#+,0E
7%!%)% >3".%@%0#2%
-2()%?.-6;$RC(
 (-73ZI$) 5I%2
#,#.y"#C)%)4+5-2
:%$#.055/*+3"#5% (E?.a
6-6 %$/#3K>T#$.H1A4?'$
> -2 %@%#+6:%6
A,2%??2%-4(q
o%1`7)$0#,! :%P%@%#+
5-2+22 :%?R#)%1G3V?
.%#+5-2E$C22(
+?>>( DE53-6%@!%
5-2;T1A,_B1"
D7-26:%-)%#+"' (D7?
1A$B".!%3$6%#
10
+"' ($8:%#2E,;P'
3
V?.%#+ +4+T:%P5-2:%

$):%2?."%T:%$+22
:%?R#)%1G3V?.%#+5-2E
$C22(+?>>( D
E53K>%@$85-2T#);
!-'6%@!%-26:%-)S
B".%#+D7?1Aq-)
)B".•7%!%13
#.,1* 1D!$
13K>T#%#+B-)#-63M)
($%#+8,6:%-)?1A3V1
$%#+:%-)2I23C!
11B9)5%-%#+
2)E7-3[$%#+2:%-)
"`$8:%P3
KT#;P2%@5-25%-!2
"-:%" 2.%5-2 "
+)?$!().$3K^# (
6%#+!% +E?I4:%P
:%>6$l($#3
3.2. Vai trò của nguồn vốn huy động đối với NHTM.
V%#.5-2E8&U#:%P
:%>-2/*+3&UR1 +
1I4-1a5?1A):%>
%# >G5-2&U*%#1!.(-1
E% 5-2:%(+ >7-6403[
$?+.(,-'1T#&U$/%3
K>$8%?1A%:%„5-2
)&U":%P%75-23V%@
%#+,.y:%#2E:%# 6RE(+"
32%%@,#2%!%:%>-1 +

&U>%@%#+,#2%!%/%#)#2%0
11
"3"A?1A!%#2%1
%@#3
%@%#+$C-2:%(+-1
&U3VA2%"%#+,%@1@1?0$$
 C+,?1A!%%,,%T3,(:%# 6(
2?>"$I-$-(+-1
>3V?%#+"):%Iy*.%05H
(*.%05H2- (*.%06A,1"
3
%@%#+-6;"4Ge,2%A
%@-1 6:%%#+"
e 4e,?-$:%?1A"
3o%$"$7/E 7!%#
-$I$-E 6%2B1
 -6?3B$$4I/H<-E3
V'0%%@RC2'0%#&U3K
$"•.-%!%?1A048"
##2%4=%#+,32% +"%#+,
%1(>$ C+A?1A!%1(3#
%#+%1(7,%!%!%-2
) +"$1G(+e(#%1(
-6,,:% +z0E>5%$.y1`2%#' 0-
"3
M0"###%@"%#+
,(%@1-#)6%#+$<
a:%P(+-1"3[T#6%#
+ + (+&U$:%#2E02
6#04(-1"3

II. CÁC HÌNH THỨC HUY ĐỘNG VỐN.
[&U%#+O'7}##~ $
"•2  +zP09D%@(+3[T#
$@(&U:%" >7(-6
B C+()E3o%>(,
6:%>7.%S
12
1.1. Tạo vốn thông qua tiền gửi thanh toán.
5H1I"S"#-5 -
H""++3( .1
{%!%1"5%,"
3V-%""5%$,T5H
O#)%!%3>%"# +-%#+$*.%00$-4=
-6#$-,C1EA" 7?03
UI1G5HH$HI;407
;.H;$.)0E5.
,)(-#%6$.13"$%#+.1$
 %@?1A#3U+."-2,-5H
-##0%w+).1$-
5H3U+.".H1A5%>7}42~
-"*.%0(5H#)= (
??1A-3
[zP-61G5 ICK 8:%0-%#2
-?:%"&U*(2
- 5H#g#-jfnti3†(5H#
2 -Xjn5H"3K>y$(%@5H)-
#,"I4P3
M)($"$%#+6:%-5H
"-=  A?+ +. A
?-&U$H5("-3%#):%# 6%@#

-63
1.2. Tạo vốn thông qua tiền gửi có kỳ hạn.
5%-%1D7/*+.y,.% +
-0E35H%#0%TP(+
.*.%0(07%!%%H5"*
>75H$-J(35H$-J((5H,#
")'.C$.9%T5;5-"
3T#O%#)e--<•,;5-2(*
9%T3%#))21(%;5H"
{-,;(3,#$$
:%#2SI-#5".%$-2(;5>
13
1G.5*%,,g*#"iFI9
%T-;5(T*.%00'3
5H$-J( +%@?1A ?0DE> A
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f r 3K _(("1A + 7*.%0'7
%#)e(1>*.%03
1.3. Tạo vốn thông qua tiền gửi tiết kiệm.
†(5H">5H2-
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= C*.%0OE-J(5H#2 zP-gU„S
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- Tiền gửi tiết kiệm không kỳ hạn: g4@ +(i
K(2- #H$; +!#4+O#)%!%3%#
)-5HH-6,.H1A6A

-3
- Tiền gửi tiết kiệm có kỳ hạn g4@ +(iS(5H#$+
1%'45H$-J( ;)7%C)3
1.4. Tạo vốn thông qua huy động tiền gửi của ngân hàng khác.
=  A?+"$:%)E
)"(%T- +. A?-"
' (#$H5("-3%#):%# 6%@#
-61>7#•,1A,"$%@
( _!%#I%:%!%#-6%
:%4=H5C"-3
1.5. Tạo vốn thông qua phát hành các giấy tờ có giá.
Z1-"R%#+4=
0#$g#8P6A,i-J2%2%?
2%"q%#+)E3
14
V6A,"0#T, "46;3
"#7#&U4C>.C%6A#,
(+) -5*0E36A
,"S
l?2%"S"#6A,"1G%#+-
e(3
lNJ2%2%"Sv6A,"%#+
-%l1(3
2%-5HA%+5%.C?->
.H1A6A, +>7%#+ ?+"
3%#)-$0T %6A,$#-6 
5%:%P3%@%#+$,4=6A,.H
1A-?1A-2("3K*.%0?1A
-J-2("/E 7*.%00E6A,#
(-?1A-2( "/E.H1A(

6Ae(#%l1(3
"# +>7'  Q.&U
>$A%+%#???"$3(K 
&*4:%#2E.dctol&c:%#2E.ustol
&#bdtjXtbccr5TE %4(?2%G
:%#2D7(+E#%#).0T-
1"803E7-!*;^#, C
+>7%#+&U:%6A,3
III. CÁC NHÂN TỐ ẢNH HƯỞNG TỚI CÔNG TÁC HUY ĐỘNG VỐN.
3.1. Những nhân tố khách quan.
3.1.1.. Tình hình kinh tế- xã hội.
"##2%-:%"#2%#C%2
%#+-'6%@5-2$$%@
&U3VA +5-2%@5H52- H
15
&U#5%q +5-2>6
",(1"$$:%O.H1A,?1
&U%7A#2%:%""%,
5%-2 1A,3v(  +#2%
-2C026%#+"31"H5
"#P=P.y%,-5*0E( I
42+$ ,@5P.y%#-P.>
-$?DE'5E3
M)($#2%%T1"A)%R"
C6%#+"3('
T%!1"$%T.y> +%@5H3%
T5%-:%# 6#D-J(%@5A
)%C:%# 6?DE%@53K?1AS1E% 
%@5H2- R5H1$/% .;
I45%-4=5 I8D42

#3
3.1.2. Môi trường pháp lý và các chính sách kinh tế vĩ mô.
#2%#C22''(
+%#+R(+-"' (3"
' (/"#12,-1) >1)'.C
%"%T?.-2a 6?.2- 
?.*.%033"5%?.5O"
8%:%O.E,Iy?
.-2a 6-> (5%-;^#E5
R(+6"3UI-/"#1 + 6
< (6R +":%P$!
%:%(+%#+.H1A"' (3
3.2. Những nhân tố chủ quan.
3.2.1. Lãi suất
K*.%0$+5%222(+?1A
#%#+"+2,%T-/O /{-2:%
-1?*.%0)!%!%3N*.%0#DO1€
42:%%!%5)E5;?%E
16
5%$-2"> -2 (E 7*.%0G,
>3,*.%042+1+#2%T0g#2%
" ?#2%(-6 (333i.y$+40,(+
?1A"3"#-$-"' ($:%# 6
(+9$-?03,$)
*.%0%#++%74+4%+"-
R*.%0-H5-$$-6.$
-$-5%@35-2E,-2$
1€42#D3v*.%0R#2%(# /%#)#D
e5.#D:%%!%53K>T#"' (
:%>(+!$.O1x...42+$$

7$-E= DE>>-1 >3
3.2.2. Công nghệ ngân hàng.
"(>-1I4)a5?1A3"
R$80;^#-23K>T# 6
"! +46"):%22
I(+1E-2q("
-6BD 64Cy1EA".y-6,1(
D B-"1A6")23 +
"$6)2>0,AA *%!%-
.y'.y%#+,5%'3
3.2.3. Chiến lược Marketing ngân hàng.
'2E"(@(
(.-4,+'k.(32(
,5%#-6'>-1A -O"
I +.-$-SK/%-2%!%-
#3V"!D $24E-„%T
%#) 6A+R4+q6:%6 -O"
!>7%#+(,<G,
B(A70%!%  %-
50,(.^ "3N626
-O"842-??%!%-= 6-{
-5 >-6B C+) - #
%;,5%'3
17
)'.C)7%E"$e 4e4+6
5 6-15-@/"#12, -O3
[)#2%#".y.H1A +( 5 1Q6A
-„%T -O71A(+"9 *0
%!%-3V6A-„%T -O,T%‡?
.S

• Chính sách thông tin, ngiên cứu, tìm hiểu điều tra.
?.#!%#+4+'T0!2
:%."?D,a'4$):%2E
"3B6$,".y?.
-1$%?.%#+$)G,%!%
-%!%.H1AE3
• Chính sách sản phẩm giá cả.
V.^ 1EA"4@ 1EA'45"
A%#+%@.H1AA
A( ?0_,1EA0-A
6O%!%1EA-{q$A(-6 ((,
%T2".$1A-??.;<%;-
 E%7.9 *-1EA'43
I4.1($.^ A%#+.y(5%-
" C+-%#+3&) +"$1E
A1(.y$5%,2'."- .^ 1E
A-63U+" $1EA(+1(.y%;
,5%5H'"-3
a-15,4%#2%11(*.%0
-5H5#?A"3ˆ2%$8:%
P-2:%%#+.H1A%71EA-"
3V?.*.%0( +2,:%P"3K
1%#>*.%0(%#+I4!2-*.%0EC 7
'3V"(-6•% 8
D72- 6A-%)E3I
4(-2 51G-4'95*.%0
R.y;^#H2- !%%#B +6A P
e . +6A-I%#5!%2- B +D7
#. +D7-$,%T'3
• Chính sách phân phối.

18
V?."T,4+'T0.
^ 1EA"2-3K1($-)"
 C+:%!#1Eg.,:%!#1EE  C:%!#
.^ 1EA%7(:%!#24E,.e/2(:%!#>++
R4+")qi$C026%#+"
3U+"$5%-)"5%:%!#1E>'+2
/;-5%B$-%#+.y)3%#)
C+-)" C) 5%:%!#1E!?2#2%
? C+.G,%:%%,B$3
• Chính sách giao tiếp, khuyếch trương.
V":%" !%?.2-%#2
'3MC>.2")-(>"
(.C-"3Z2.y4,?
"3M)($:%R +'0:%P"
E2"%;) -"(8-
"3
3.2.4.Công tác cán bộ tổ chức.
U+"$+R4+$>+%#) 6-2"
+>$56"3MCy- %
1E-1 +"452,")1€ 2E.$
%#) 63
CHƯƠNG 2
THỰC TRẠNG HUY ĐỘNG VỐN TẠI NGÂN HÀNG TMCP AN BÌNH .
2.1 KHÁI QUÁT VỀ NGÂN HÀNG TMCP AN BÌNH
2.1.1. Chức năng nhiệm vụ và bộ máy tổ chức của ngân hàng
Sự ra đời và phát triển:
"' (D!LM>gLMMLNi,Tr 
bccX
19

Năm 2002:7%!%#-LMMLN2
 ( y5'0%".T%%#)-1"
' (3
Năm 2004: LMMLN5%)ujj‡z@3
Năm 2005:TK g\KiCD62,
LMMLN3VD6-@ SD6#?[!%N?gWK‰ViD
6#h%0TN^%&+gZ\v\hYUVŠi3
Năm 2006:5%Bbsrz@!% )b3bXbz@%
 3
Năm 2007:
lLMMLN-<-2,2,L4-6#)\K
SWVbWVfWVXq
lLMMLNC) (WLˆ\3@5%
LMMLN)f3Xjjz@3
Năm 2008:
lLMMLN-6! 5 "xgO4-i(
+)3
lU#4-?7CD62,LMMLNz
.C%brn3
lLMMLN5%)f3ujrz@3
Năm 2009:
lLMMLN64,W%1OK"[O%.O4-3
lutfjjcLMMLN?75%)fdrjz@3
lctfjjcLMMLN?7-'&+.C (buj&M
W3No3b-1E(]C1E3
lbftfjjcLMMLN?75%)X‡dfz@3
U+.CLMMLNS
l[' (1EA)%4%fjjcl1O]OO.fjjc1M+
6'I3
l'%fjjc1&+4'%K

,M+V6'I3
l":%2/%0.efjjufjjdS1p4-w"
U„I3
l*%D2:%fjjdfjjcS&+.C%?%K I3
lV;4Q!%KfjjdS&+4QKI3
l'%D2KfjjdS1KVVY6#O.OI3
20
lZCo%V!%KwOMO.M-O".
^ 1EA6SMD7+,?l"l4 
M-\/fjjuI3
l}2%6#40V"%‹~S(?L.UO#4>
P3
Chức năng nhiệm vụ của ngân hàng:
"LM>gLMMLNi +bj"UVW$5%
0K#3?2bftfjjc5%LMMLN(X‡dfz@
D.()fs3rusz@3]%'br TLMMLN
*C)"%+!bj3jjj-1)bjj3jjj
-"(fc•)6:% (cjt
81E3
V%#)-1S"' (g4Qi"!%
g4.•i
l&%#+e(%(1(1>7S5H$-J(
-6-J(7•5H2T#!%D
73
lK#"D7?1A-3
lV#e(%(1(3
lV2-0%'2%2%0#$3
l&G)13
lv 1EA+E:%23
l0?3

l,/%0T-^%,13
(LMMLN--6•80,.^ (
(1*#.^ 1(; 84C0,AA%#)
"3K._,BD62,T
K g\Ki2,U#4-l"0
U#.-W%1OD6#4%?K 
gKW.iD6#K€6o%"+KOOqLMMLN2!'
 6> +}.)%E?~(3
V$ - A)%#LMMLN4@ S$ -
1$ -"$ -!%3
-[LMMLN.y%7.^ l1EA
?"P$S.^ #.^ 4.^ 
21
4*.^ ,/%0T-^%.^ -1EA:%
2333
-"LMMLN%0$!#
%_.^ 2- .^ ?1A)%1G(%
:%SV#)%1G$20FV#?0V# %V#
./%0-1V#4D.%%+FV# %/OFV#1%
Pq1EA%#53
M)(.^ 1EA#4*:%2qLMMLN
R,422.^ QˆŠŒ1lQ!%),0T+*
(!%-eLUtWŠ]"):%3 fjjc
LMMLN2A e6Q:%2ˆŠŒ1KY]L1O4
7P•%!%)%-3
K-!%LMMLN1EA#0!%
-6#"3Ž)-6#LMMLN
R%0) 1EA0?04*
2%(<,2%3
K$ -%+T'E),

2 %%#)."%0%%-LMMLN*)7%
-5%.^ %1)-S%+5
o%<185%/21%#5q
Bộ máy tổ chức của ngân hàng:
Hội đồng quản trịS
Ông Vũ Văn Tiền
VE&o
] bcrc
VH"-2l(P-2o%1"
N„.l&P-„%To%".
22
•5 +1"6$%#?0(K 3•
5*,V?IC5%%#'$$
.-20
3m&%"'+(YYY3
m&%#'K>2Q3
mM=-O?3
mM=-OŒM[&+3
mZC]93
'EE&+@o%ELMMLN#6KRK5
@R'E*(0.%S
mVE&+@o%E-) DZ V6#D!h%0T-^%
D,&+3
mVE&+@o%EV6#VD!V7-LM>
mVE&+@o%EV6#VD!h v
mVE&+@o%EV6#VD!L&3
Ông Nguyễn Hùng Mạnh
W$VE&o
] bcrs
VP-2l(PŠgU„i

VH"l(P(&+
•U(*$5% - (+1!%-?'
(- ?"K  
bccj3•U( 5%LMMLN fjjb +
)*LMMLN26#6 #3
Ông Đào Văn Hưng
W$VE&o
] bcrr3
(.aN2l(PM-&+
•&*$'Xj 6*e 5%'E
T3&#6&VET
\K3
 Ông Dương Quang Thành
)&o
23
] bcsf
2.aN2l(PM-&+3
(.a&PV6V"%‹gLYiM--v
•*$'fj 6E?
TK 3&#6W$DZ T
\K3
 Ông Abdul Farid bin Alias
K&o
] bcsd
(.„o%E-1?(P[OO&NJ
VH"NP%#)N2(P4WO.#&NJ
(1!$U#4-(LMMLN3
M5%
Ông Nguyễn Hùng Mạnh
W$VE&o-) DZ 

] bcrs
VP-2l(PŠgU„i
VH"l(P(&+
•U(*$5% - (+1!%-?'
(- ?"K  
bccj3•U( 5%LMMLN fjjb +
)*LMMLN26#6 #3

Bà Trần Thanh Hoa
W$DZ ?1Ao%<Ž
] bcsX3
(.aN2l?"&
M&*$'fj -  ?"
"KO 4-3
Ông Nguyễn Công Cảnh
W$DZ N2N .+4+
] bcrd
VH"(PN2
•V*$'fj -  ?"
"63
24
Ông Bùi Trung Kiên
W$DZ   %VE&+@:%E3
] bcuX
VH"N2g(PN2:%1"&+i
VH"(g(PUC&+iVH"v%TgK(PUC&+i
(.„o%<?.6g(Po%]Oi3
•N)*$5% - (+?"
K $$bb  ("K 3
 Bà Nguyễn Thị Ngọc Mai

W$DZ W-TK •(
2W8 (-%U5MeU5%:%<
?-%U5Me3
] bcu‡3N„.N2,(PM-&+3
(.„N2,&PKV6V"%‹3
2.„-2(PN•.OZ-%T43
MU*$bf -  a?1
?1%+T\K3
 Ông Phạm Quốc Thanh
W$DZ NN1
] bcuj3VH"(P"3
VH"(P(3
VH"P?:%2Y‰]]‘‰OL3
•*$'br -  ?"
$$bj  ("&]MV3
 Ông Đặng Quang Minh
W$DZ A(+-1 (?Me3
] bcuf
VH"(&PV?
•U*$bs -  a?"3
 Ông Tong Hon Keong
Z TA3
VH"N2(&PU#.3
•$XX -  C"0U#.*B
6C5%4+T-%fj e E?:%PM
5%)M5%&3v)&+@o%E
U#4-Z%U\W]B bccu3
25