Bao cao Ban Dieu hanh tai DHDCD 2017

*a .q

CONG HoA xA HQI CHi] NGHIA vIDT NAM

,rJL

DQcrip-rsdo-Hjnhphric

tsltfllnqAa4,

56:

Hd NSi, ngay 15 tluing 04 ndm 2017

486 /I4B-HS

BAo cAo cOA BANDEUHANHvT
rcor euA KrNH DoANrr NAM 2ot6
vA rc HoAcH KINH DoANHNAM 2017
Kinh

puAx r:

gui: -

QuI vi c6 ddng;

xnr quA rcxH

DoAr\H NAM 2ot6

ThUc hiQq dinh huong 2016 cua FIDQT voi phuong cham "Ph6t tri6n nhanh, bdn vtnp hiQu
qui", Ban diAu hantr da t4p trurlg ldnh d4o hoirn thdu:h-c6c mgc ti6u kinh doafl ti6p qrc fitin khai
cric s6ng ki6n chi6n luo. c theo kli hoactr, tl6 da1 duqc k6t qud khi quan trong nEm 20i6.'

1

Thr;c hifn k6 hogch kinh doanh ntm 2016

I

T6ng tai san

2

4

V6n didu lQ
Ti€n gui cua khrich hang
Du ng cho vay KH

5

T!

3

6

lQ

nq x6u

LNTT
trong il6 riAng ngdn hdng
Ti lQ chi tra c6 tuc

Tdngl0 -12%

256.259

rr5p%

105,4%

17.100

17.127

107o/o

100,20/o

TAng 5-10%

194.8t2

t02,2%

t?.{oo283a
/l$'/-

Tdng-20%

150.73 8

t07,3%
124%

103,5%

.a/HcAx s,r

<2%o

1,32%

3.61I

3.651

tt3,4%

tot,t%

3.550

3.711

117,8%

t04,5%

-t0% Dukiiln-

: i' rWrtONC t
*' Co Pll.\

'

11%

Nguin: BCTC riAng ft, BCTC hW nhiit 2016; Don v!: Tj, Vnd
- MB dE hoan thanh c6c chi ti6u k6 ho4ch kinh doanh n6m 2016 theo cam k6t voi EHCD, t6ng
tai san it4t 256.259 t! d6ng, 6ng$,9%so voi 2015, wO l,+Z Xn; hfry
d"t-tg4.Bt2ty
d6ng, tilng 7,3Vo so vcri 2015, vuqt2,2yo KH; Du nq d4t 150.738 t! d6ng, Eng24% so voi 201j,
vuqt 3,5% I(H; LNTT dat 3.651 rj ddng, tfung 13,4%o.so voi 2015, tong dO rl0ng NH d4t 3.71 1 ri
it6ng, ting 17,8%o so va 2015, vuqt 4,5% KII; ng x6u ki6m sorit, ty lQ nS *dt
1,32%, hiQu qG
ho4t clQng crla ng6n hang (ROE - 12,55%:ROA- 1,27%).

t6.d;"
-

- Du no KHCN tingfr:uimg- 44yo so voi 2015 chi6m rj trqng
Thu dich 4r vd bdo ldnh 1.475 fj'd6ng, tAtg27% so voi 2015.

-

-

30% (so vat6m20l5:260/o).

- Kinh doanh trOn thi hudmg 2: kinh doanh ttfi phiilu quy m6 - 45.420 ti d6ng(t6ng truong
167d,.thu nhdp tri c6c mang FX trading, kinh doanh MM, Commodity, san phim hang h6a ph6i
sinh dOu hoan thanh wcrt k6 hoach.
- Vd huy clQng v6n: chf trgng ngudn khdng kj, h4n, tiAn gui thanh torfur, r] hgng rl4t 39%. Chi
phi huy dQng ti6p tuc duoc duy tri o muc t6t, tang th6p.

- Hoat dgng kinh doanh: todn hQ th6ng co 268 diiim giao dich dugc c6p phdp, teng th6m 15
_..
di6m so voi nem 2015. Hau hCt c6c tti6m kinh doanh ho4t tlQng an toan hiQu qud, no xAu ki6m sorit

t6t.

^y

Ou.\N t


2. C6ng t{c

quin

I

alidu

hinh

C6ng tdc t5 chrlc, nh0n sg
- M6
c6c chr?c

hilh t6 chric
nlng quen

lf

theo chi6n lugc: trAp trung h6a cric mang vfn hdnh, thAm Ai*r. T6ag cudmg

t{p doan.

- Srfa d6i quy ch6 lucmg, tl6i ngQ. Hoan OiQn

hQ

th6ng KPIs tlo lutmg hiQu sr.lit c6c don vi, c6

n-hen.
- Nh6n

qr toAn MB Group dat 10.656 nguoi, trong d6 CBNV NgAn hang

h

7.886 nguoi.

- edi dueng quy ho4ch Top 50, Top 500. T6 chric diro t4o cho cria bQ qu6n
k! nang voi - 823 kh6a cho 48.666 lugt nguoi

lf

c6p trung cao,

dao t4o nghiQp vU,

Qurin

I

chdt luqmg

- Cai c6ch hanh chinh manh mE, tri6n khai t5t c6c chuong trinh hanh dQng theo NQ 19, Ne 35
cua Chinh Phri (Cei thiQn m6i trucmg kinh doanh, nAng cao nf,ng lgc canh tranh qu6c gi4 h6 tro vi
thric
-NAng cao chAt lugmg phuc vu kh6ch hang tq^i san giao dich. D6i m6i phuong phep drinh gie
ch6t lugng dlch r1r tai sdn vA tich clrc l5ng nghe th6ng tin ph,em h6i tu kh6ch hang qua rla k6nh.
.

ti

- Trng ndng IUc qutul
rui ro, irng dpng theo dg 6n Basel II: dAu tu phan mAm dinh giri Tni
san ttAm bAo; tMm dinh CRA voi KHCN, quAn
danh mUc nq, aAu tu ph6n mAm ptrOng:ch5ng

lf

ruati6n.
- Tin hqc h6a vA t6i uu quy trhh thlm dinh 6p trung, vfn hdnh t6p rung: thoi gian xri lflt h6
so binh quAn giAm 28% $an gian tham dinh, I 1% th&i gian ph6 duyQt. Tin hgc h6a quy trinh thAm
dnb, quy tinh tin dqng KHCN, chuy6n tidn qu6c t6, rhanh to6n LC.
- Thuc hiQn tr6n 60 tri-6u giao dich vfln hanh an todn tong nrm 2016.

C6ng nghQ th6ng tin

- Tri6n khai c6c dg rin theo chi6n lugc nhu eBanking cho KHCN/DN; BPM; CR{ FTp;
DWH; quAn ly' bdn hang CRM, Basel 2.
- HQ thiing CNTT v{r: hdnh tuong d5i 6n dinh, thoi gian dimg hQ th6ng duqc ki6m so6t trung
binh giem 84% so vdi 2011.

- D4p rmg chu6n qutic t6 vA an ninh, an toan b6o mflt th6ng tin: TIA 942, ISOiTEC
27001:2013;6p dlmg chuan bio mit PCI DSS trong linh qrc ph6t ha::h vd chAp nh{n th6...

-

- KiQn toan m6 hinh t6 chric CNTT
nh6n sy c6 trinh dQ chuy6n m6n cao.

C6ng tdc qu:in

<16p

img y6u ciu tri6n khai chiiin luqc. Chri trgng ph6t tri6n

$ khic

- Tich cyc triiin khai thu h6i ng x6u, hoan thiQn co chil xir

lf

ng MBA,IB AMC.

- Tfuc hiQn thanh tra ph6p nhdn nlm 2016. TAng cudng ki6m so6t tuan thn t?i chi nhrinh. NAng
cao khi n6ng nhin diQn sdm phdng ngira rui ro ho4t dQng;

C6ng

tic Ding, chinh tri

j

- MB tich cuc tham gia c6c chuong trinh tu thiQn an shh xi hQi c6 nghia ti6u bi6u nhu tii tro
x6y dgng trudng ti6u hqc Quang Ngqc - Thanh H64 xdy dpg 3 ng6i nhn 100 tl6ng, xriy dpg bia
tuong niQm liet sy, xay dgng c6ng vi6n Dai Tuong V6 Nguydn Gi6p.. . v6i t6ng giri tri tr6n 43 t!
tl6ng.

li

- Ldnh tl4o gift vtrng, 6n dinh Chinh tri, thUc hi€n v5n h6a doanh nghiQp. Nem 2016 mQt
ndm thanh c6ng cfia UB vd nhi6u chuong trinh hoat dQng xe hgi, vinh dy dugc trao nhidu danh
hiQu cao qui nhu Cd cira Tht tu6ng Chinh phri, Co thudng thi tlua cria B0 Qu6c phdng, Cd thi clua

criaNHNN.

-

,y

3. Nhtrng t6n t6i, hgn ch6

cin khiic phgc

- Ctr:it luqng ho4t dQng cria m4ng lu6i c6c di6m kinh doanh chua ddng dAu. Vdn cdn ditim
kinh doanh 15, nq x6u cao. MOt s6 chi nhrinh chua chuy6n dich b6n le merih m6, cdn phu thuQc
vio kh6ch hAng 1611 cho vay dg dn trung dii hqn.
- PhAt triiin kh6ah hang FDI cdn yiSu

xri

vi

thi6u chuy6n nghiQp, chua chuydn biiin dQt ph6.

- Ch6t luqng dich rU cAn cai thiQn. Kh.ich hang cdn phd,n nirn vd ch6t luqng phuc vu thoi gian
k6o dAi, c6c thri tpc cdn diri, chua chuyOn nghiQp. Co c6u thu nh{p tu phi, dch vp cdn th6p.

lf

- T6c d0 xri
bang, nq xAu

d2t

lj

ng x6u cdn ch{m, t6n ilqng dai, d[c biet c6n giai quytit nhanh ng x6u ngo4i

chuy6n VAMC.

- Hinh anh cua MB chua phir hqp vcri phdn khric kh6ch hAng trd, hiQn dgi.
*t*

pnAn n: DINH rilIdNc KIIIH DoAI\H NAM 20u
ThUc hiQn phuong ch6m chi tl4o cua HDQT nlm 2017 li "TIng truong iIQt ph{, HiQu quri An toAn" huong toi mgc ti€u MB rong TOP 5 ng6n hang hAng &iu vd higu qu{ Ban di6u hdnh
xdy dyng k6 hogch voi 2 mpc ti6u trgng tAm:

(l)

Tri6n khai chi6n lugc giu doarrr2}l7

(2) Hoan thanh

xuit sic

c6c chi ti6u kii hoach kinh doanh nAm 2017:

TT
1

2
3

4

- 2021;

Chi ti0u

KH 2017
TAng l0%
T,ule6%
Tane 8 -10 %

T6ng tai san
V6n di6u lQ
Huy tl$ng v6n d6n cu, TCKT
Du ng cho vay

5

Iyl9ngxau

6

LNTT
LNTT (cia riAng ngdn hdng)

7

Tf

lQ

Tene 16%
< l,syo
4.532 ri d6ng
4.300 tj d6ne

chi trA c6 nrc

MQt s5 nhiQm vg trgng

tim

-l

lo/o

ntrm 2017

l.

Tri6n khai chi6n lugc giai lugc giai doea 2011-2016. Hu6ng t6i mgc tiOu TOP 5 vd hiQu quA kinh doanh.
2. C{c

giii ph{p kinh doanh

- Thay d6i phuong ph6p di0u hanh kinh doanh huong toi hiQu qua tung kh6ch hang.
- N6ng cao

ki nlng ra quyiit

dinh b6n hang cria RM t4i Chi nhdnh.

- Tdng ndng lyc ph6n tich kinh doanh, ph6n tich co sd dt liQu kh6ch hang, hoan thiQn c6c giii
phrip Oi chinh phi hgrp voi ttmg ph6n khric kh6ch hang (tmg dUng c6ng nghQ, phAn tich tung data).

- Cung c6 quan he voi kh6ch hang truyAn th6ng, kh6ch hang Quin dQi. Ph6t tri6n co so kh6ch
harg moi theo ti6u chi hiQu qua tru ti0n c6c doanh nghiQp SME, doanh nghiQp FDI vd KHCN d4i
chnng.

- Cung cti ch6t lugng san phim, dich 4r trgng uim
KHCN, thanh toan va tei trg thuong m4i cho KHDN.

li

nh6m c6c sAn phAm dich ru ban ld cho

- T6 chfc lai ha tAng thanh torln tr6n k6nh NH diQn tu, Ban li6n k6t Viettel, NH giao dich (eMB doanh nghiQp, th6 diQn tri, BankPlus+, thanh toan ...).

.

- DAu tu chuydn dich nhanh Ngan hang ung dgng s5, hqp t6c manh mE voi Viettel

s6 huorrg toi khrich

hang.

-

ky thuat

\,
\Y-

3

.

- DAy manh b6n ch6o (bancas), nghiQp

w

ng6n hAng dAu tu cho t6 chr?c/ c6 nh6n QB). Tdng

gAp cl6i doanh thu nem 2016.

- Tdng quy m6 ho4t tlQng t6n thi trutmC liOn ng6n hAng, tich cgc tham gia c6c giao dich tr6n
nlng luc d6 trd thanh nhi teo l6p thi trudng.
c6c thi trudng thri cAp, tung budc cung

d

- Pb6t tri6n dich qr c6ng vdi Kho b4c Nhn nu&c, BAo hi6m xZ hOi t?i tAt

cA c6c

chi nh6n}/

PGD.
- Cung c6 nang luc k6t n6i kinh doanh giiia ng6n hdng/c6ng ty rong MB Group.
3.

Cic giii ph{p quin If trgng tim.

- N6ng cao ch6t luqng ngu6n nh6n l1rc. Bdi duong n6ng lgc gh6m quy ho4ch top 50, 100, 500.
DAo tao llrc luqng b6n heng. Cai ti6n co ch6 lucmg, dai ngQ grn v6i hiQu qua kinh doanh. Teng
NEng suAt lao
- Don giAn h6a thri tuc, quy trinh nQi bQ. Ung dqng s6 h6a trong xri
thArn dinh.. . rut ngin ttrli gian kh6ch hang chd dqi.

lf

giao dich, v{n han}r,

- Cam k6t chAt luqng dich vu (SLA) nQi b0 vA SLA voi kh6ch hang.

- Ung dqng c6c m6 hinh lugng h6a rui ro nhanh d6 ra quy6t dinh kinh doanh. Ti6p tuc hoan
thiQn khung QTRR theo Basel 2 trong ho4t tlQng MB.
- Diu tu co sd h4 ting CNT'I dip ung nhu cAu ph6t tri6n kinh doanh.
s6, tru6c hiit ld ng6n hAng giao dich thu{n tiQn voi kh6ch hAng.

Xiy

dyng n6n tAng NH

- T[ng nrng luc quAn lf ch6t luqng, dem bao cam k6t chAt luqng dich qr v6i kh6ch h?rng. Tang
cudng ki6m so6t tuen tht chri dQng phdng ngua rui ro, tl6m bAo an toAn hoat
- Hoan thiQn hQ th6ng da kenh phAn ph6i t?i c6c Chi nharh /PGD,
ti€n k6t, k6nh diQn tu.

- Tri6n khai

dAu

hQ

th5ng ATM/PoS, kenh

tu, cai tao hinh anh nhan diQn tai Chi nh6nh/PGD [ong quy Il]2017 theo

chi6n lugc didu chinh moi.

- Duy tri vdn h6a doanh nghiQp, xdy dlrng con nguoi lu .1B .oi, ph6t huy ntrng lgc cua t6 chuc
Ddng, cic t6 chric Quin chung. Xdy dung tinh than doan k6t, kj lu{! ptr.iLt huy sric m4nh t6 chuc
trOn n6n tAng vEa h6a doanh nghiQp d6ng nh6t.

,t*t
Nem 2016 MB tl6 hoan thAnh co ban c6c chi ti6u d{t ra. Thay m{t Ban di6u hanh t6i gui loi
cim cm sAusic d6n NHNN, BQ Qu6c phdng, cdc co quan htu quan, quf vi p6 d6ng, quf kh6ch
hang, cric tliii tdc crla MB da ung hQ.girip dd trong thli gian qua vd mong tiiip tuc nhan dugc sg
quan tAm chi d4o cira NHNN, BQ Qu6c phdng, vi s1r d6ng hnnh hqp t6c cua quj vf rong thoi gian
toi.

Kinh chric toan the Quy vi dai bi,3u, c6 d6ng, kh6ch hang srlc kh6e, halh phtc, thanh
Noi nhfln:

-

Qu.i vi cd il6ng;

HDQT/BKS;

Lnt:

;
K*4s
xaNg{
i-Q7'xoix
rHuoNo

:/

Ban KH,HC.

Luu Trung Thii

cOnqf