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Nội dung
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Nội dung
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FINANCIAL
STATEMENT
INDIVIDUAL &
COPORATE
SERVICES
FINANCIAL
INSTITUTION
I. FINANCIAL
STATEMENT
1. WHAT IS FINANCIAL
STATEMENT?
Financial statements for businesses usually include income
statements, balance sheets, statements of retained earnings and
cashflows.
It is standard practice for businesses to present financial statements
that adhere to generally accepted accounting principles (GAAP) to
maintain continuity of information and presentation across
international borders.
Financial statements are often audited by government agencies,
accountants, firms, etc… to ensure accuracy and for tax, financing or
investing purposes.
2. Example Financial statements
of Viet Nam commercial bank
II. INDIVIDUAL &
COPORATE
SERVICES
1. Individual
Services
Deposits
Savings
Personal
Loan
E- Banking
Current account
Currencies: VND, USD, EUR and other currencies
Minimum balance: 50,000 VND/10 USD/10 EUR
Demand deposit account
Currencies: VND, USD, EUR
Minimum balance: 100,000 VND; 10 USD; 10 EUR
Interest rates: Depending on policies of Branch.
Deposits
Savings
Personal
Loan
E- Banking
Fixed deposit account
Currencies: VND, USD, EUR
Minimum balance:100,000 VND; 10 USD; 10 EUR.
Term: Up to 60 months.
Interest rate: fixed during deposit term
Interest payment method: Prepayment, Deferred payment and periodic
interest payment
Promissory note/Certificate of short-term deposit in VND/USD
Currencies: VND/USD
Term: up to 12 months
Issuance type: Registered bonds, bearer bonds, book entry bonds.
Deposits
Savings
Personal
Loan
E- Banking
Tich luy Bao An Savings
Tich Luy Bao An Savings ( TLBA Savings) is a type of
fixed deposit account, whereby a customer will
deposit a fixed amount steadily and periodically to
their account for a certain time to have a large
amount for their future intentions such as buying
houses, buying cars, studying abroad...
Deposits
Savings
Personal
Loan
E- Banking
Car loan
Home loan
T-day securities loan
Consumptions installment loan
Loan secured by the mortgage of Valuable
Papers/Certificate of fixed deposit - Discount of
Valuable Papers
Unsecured overdraf
Deposits
Savings
Personal
Loan
E- Banking
BIDV Business Online
BIDV Mobile
BIDV Online
Deposits
Savings
Customer Loan
reaches 598
trillion dong
( 590.917.428)
• Customer loan:
598.434.475
Personal
Loan
E- Banking
Deposits
Savings
Personal
Loan
E- Banking
•Loan loss provision 7.517.407
Deposits
Savings
Personal
Loan
E- Banking
Customer Deposits 564.583.061 – raise 28.2%
( 2014 - 440.471.589)
Deposits
Savings
Personal
Loan
E- Banking
Payable account on behalf of customer
25.515 – decrease 97.2% ( 888.175)
Interest income from customer’s loan :
39.135.703 – raise 12.3% ( 2014 - 34.865.697 )
Retail
operatio
ns
Electron
ic
banking
Card
Services
Retail operations are central to action development and
operational structure of the Bank.
In the period 2011-2015, the average growth rate of goods
Net income in retail at 26%.
To 12.31.2015, collect Retail net income reached 8.600
billion, up 92.5% year on year In 2012, accounting for 41%
of total net income of the whole system.
Retail
operatio
ns
Electron
ic
banking
Card
Services
Enough Credit debt reached 140.5 Retail trillion, an
increase of 2.66 times the 2011, accounting for nearly 23%
of total outstanding loans in the sector.
Raise capital population reached 355 trillion, an increase of
1.75 times compared to 2011, accounting 55% share of
total deposits.
No individual customer platform constantly strengthened
and expanded, reaching nearly 7.7 million customer
milestone goods, 2.1 times higher than in 2012.
Retail
operatio
ns
Electron
ic
banking
Card
Services
BIDV Bank confirms sale Most large-scale retail system in
Vietnam Joint Stock Bank Male.
The organizational model is to consolidate the retail sector
towards modernization, focusing on sales skills training for
8,000 staff, 100% Branch set up sections / groups individual
clients with a team Retail workers are relatively full layout
Retail
Electroni
operatio
c
ns
banking
Card
Services
Electronic banking service diversity, good growth the
number of customers as it aims to shif channel distribution.
BIDV has provided to the client a lot of services electronic
banking diverse as BSMS, BIDV Online, BIDV Internet
Banking, Mobile BIDV, BIDV Business Online, bill payment,
Electronic tax collection, BankPlus ... services are growth
over the years
By the end of 2015, nearly 4 million customers use
electronic banking services of the Bank
Retail
operatio
ns
Electroni
c
banking
Card
Services
Card services impressive growth of 43% over the
previous year.
Male 2015, the Bank honored with many awards
such as: the Bank is the only bank Indochina
Organization Card MasterCard International awarded
4 awards in 2014-2015 for Bank card products
include breakthrough product approved.
Retail
operatio
ns
Electroni
c
banking
Card
Services
Credit Card is the first bank card products cobranding in the field of tourism with Vietravel;
Top 3 banks goods number of international
debit cards largest; Top 3 banks sales had the
largest merchant; Visa International
Organization awarded the leading bank
payment turnover averaged over Visa credit
cards.
BIDV is the pioneer in continuous innovation,
innovative products and services that provide the
best personal financial services, most competitive
for customers.
With the expansion of trading networks across the
country ( nearly 1,000 trading rooms) including
many retail trading meet international standards;
nearly 24,000 connection points, ATM / POS, the
Bank is one of the leading bank-wide network in
Vietnam, serving nearly 8 million individual
customers with various financial services, utilities
and modern.