Baocaothuongnien2010 TinNghiaBank

Hi s
VIT NAM TN NGHA NGN HNG

50-52 Phm Hng Thi - Phng Bn Thnh, Qun 1 - Tp. H Ch Minh
Tel: (08) 3827 9797, Fax: (08) 3824 5599
Email: info@TinNghiabank.vn - SWIFT code: VNTNVNVN
Website: www.TinNghiabank.vn
Mc Lc
I. TNG QUT ............................................................................................................................................1
Tm nhn & S mnh ........................................................................................................................ 1
Thng ip ca ch tch HQT ..................................................................................................... 2 - 3
Bo co ca Tng gim c .......................................................................................................... 4 - 7
Ct mc pht trin . ........................................................................................................................ 8 - 9
II. B MY QUN L V IU HNH .............................................................................................10 - 15
Hi ng qun tr ........................................................................................................................ 10 - 11
Ban kim sot . .................................................................................................................................. 12
Ban iu hnh ............................................................................................................................ 13 - 14
S t chc . .................................................................................................................................. 15
III. KT qu hot ng nm 2010 .............................................................................................16 - 35
Cc ch s ti chnh c bn......................................................................................................... 16 - 18
Hot ng huy ng vn............................................................................................................. 19 - 21
Hot ng tn dng ............................................................................................................................ 22
Hot ng u t............................................................................................................................... 23
Thanh ton quc t ........................................................................................................................... 24
Hot ng Nhn s .....................................................................................................................25 - 26
Hot ng o to .............................................................................................................................27
Cng ngh thng tin ...........................................................................................................................28
Hot ng qung b........................................................................................................................... 29
Qun l ri ro...................................................................................................................................... 30
Pht trin mng li........................................................................................................................... 31
Hot ng cng ng.................................................................................................................. 32 - 33
nh hng hot ng nm 2011....................................................................................................... 34
IV. H THNG MNG LI . .......................................................................................................... 35 - 37
V. H THNG NGN HNG I L ...................................................................................................... 38
VI. BO CO TI CHNH KIM TON NM 2010 ................................................................... 39 - 49
Bo co Ban Tng Gim c...................................................................................................... 40 - 42
Bo co kim ton.............................................................................................................................. 43
Bng cn i k ton . ................................................................................................................ 44 - 46
Bo co kt qu hot ng kinh doanh . ........................................................................................... 47
Bo co lu chuyn tin t.......................................................................................................... 48 - 49
Tm nhn
Vit Nam Tn Ngha Ngn Hng phn u tr thnh mt trong
nhng ngn hng hin i c nng lc ti chnh mnh v tc
pht trin bn vng, an ton, hiu qu.
S mnh
Vit Nam Tn Ngha Ngn Hng khng ngng nng cao cht
lng phc v khch hng thng qua vic tm hiu nhu cu, k
vng ca mi i tng khch hng a ra cc gii php
chm sc hu hiu, tha mn cao nht cc nhu cu hp l ca
khch hng.
Vit Nam Tn Ngha Ngn Hng lun n lc xy dng v pht
trin cc ngun lc v con ngi, ti chnh, cng ngh, nhm
gia tng gi tr cho c ng, mang li s thnh vng cho ngi
lao ng v ng gp vo s pht trin chung ca x hi.

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010
THNG IP CA
CH TCH HQT
Chng ti tin tng rng s

quan tm, ng h ca Qu c
ng, Qu i tc, Qu khch
hng s l ng lc tch cc v
hiu qu gip Ngn hng tip
tc hon thnh tt k hoch
kinh doanh nm 2011 v vn
ln tm cao mi.
ng V Vn Thnh
Ch tch HQT
Knh gi:
Qu v c ng, Qu i tc, Qu KHCH HNG
m 2010, Vit Nam vn phi i mt vi nhiu kh khn

thch thc do nhng tc ng ca cuc suy thoi kinh t
ton cu; tip sau nhng n lc vi cc chnh sch kinh
t ng n v kp thi, kinh t Vit Nam tuy pht trin cha bn
vng song phc hi kh nhanh, tng trng kinh t t 6,78%
vt k hoch ra.
Thc hin Ngh quyt ca Quc hi v mc tiu pht trin kinh
t x hi nm 2010, da trn tnh hnh thc t, Chnh ph c
Ngh quyt v nhng gii php bo m n nh kinh t v m,
trong Ngn hng Nh nc c vai tr quan trng trong vic
km ch lm pht, thc y xut khu, hn ch nhp siu, ci thin
cn cn thanh ton. Bng nhng gii php linh hot, Ngn hng
Nh nc thc hin cc chnh sch tin t, t gi v ngoi hi,
iu hnh linh hot th trng m, ti cp vn, cho php cc Ngn
hng thng mi cho vay theo c ch li sut tha thun, iu tit
mt bng li sut ph hp cc gii php ny gp phn quan
trng trong vic n nh tnh hnh kinh t chung.
Trong hon cnh kh khn ca nn kinh t th

gii v trong nc, h thng cc Ngn hng
thng mi c phn ng trc nhng thch
thc mi. Trn c s d bo tnh hnh th trng,
Hi ng qun tr TinNghiabank c nhng ch
o ph hp vi tnh hnh thc t. T ch trng
ng n ca Hi ng qun tr cng vi s iu
hnh linh hot, theo st th trng ca Ban Tng
Gim c v s n lc phn u ca tp th
cn b nhn vin nn nm 2010 TinNghiabank
t v vt cc ch tiu ra. Tng ti sn
tng gp 3 ln, h thng mng li giao dch
tng gp 2,7 ln so vi nm 2009; li nhun v
c tc t 114% k hoch, n xu gim xung
di 1%,
C c s pht trin nh ngy hm nay l do
TinNghiabank lun nhn c s ch o kp thi
ca cc C quan qun l Nh nc, s ng
thun ca Qu c ng, s tin tng, ng h
ca Qu khch hng cng vi tinh thn on kt
v n lc c gng ca tp th Hi ng qun tr,
Ban kim sot, Ban iu hnh cng ton th cn
b nhn vin Ngn hng. Bc sang nm 2011,
tnh hnh kinh t th gii d bo tng trng thp
hn nm 2010 v tip tc cn nhiu din bin
phc tp, kh lng gy nhiu tc ng n kinh
t trong nc. Da trn nn tng cc nm 20092010, vi mc tiu pht trin theo nh hng
PHT TRIN AN TON HIU QU V TNG
TRNG N NH, TinNghiabank tip tc xy
dng v khng nh v th ca mnh trong h
thng cc Ngn hng thng mi c phn Vit
Nam qua vic m rng quy m hot ng, nng
cao hiu qu, nng lc ti chnh, cht lng hot
ng v a thng hiu ca mnh n gn hn
vi cng ng.
Vi nh hng ng n ca Chnh ph, cc

bin php iu hnh ca Ngn hng Nh nc
cng s quyt tm cao ca tp th Hi ng
qun tr, Ban iu hnh v ton th cn b nhn
vin TinNghiabank v mt TinNghiabank pht
trin n nh v bn vng, chng ti tin tng
rng s quan tm, ng h ca Qu c ng, Qu
i tc, Qu khch hng s l ng lc tch cc
v hiu qu gip Ngn hng tip tc hon thnh
tt k hoch kinh doanh nm 2011 v vn ln
tm cao mi.
Trn trng.
CH TCH HI NG QUN TR
V VN THNH
VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010
BO CO CA
TNG GIM C
Vt qua nhng kh khn
chung ca nn kinh t, trong
nm qua, TinNghiabank
tng bc phn u v hon
thnh tt cc mc tiu k hoch
kinh doanh ra t u nm,
xy dng v cng c h thng
qun tr, pht trin thng hiu,
to mt mi trng lm vic
on kt, phn u v s pht
trin chung ca TinNghiabank,
lm tin cho s pht trin n
nh v vng chc trong nhng
nm tip theo
ng Phan Thanh Long
Tng Gim c
Knh gi:
Qu v c ng, Qu i tc, Qu KHCH HNG
m 2010, bn cnh nhng n lc hp tc gia cc nc

nhm vc dy nn kinh t sau khng hong, s phc hi
ca kinh t ton cu vn din ra chm chp v tim n
nhiu nguy c ti khng hong ti chnh tin t. Tuy thi k kh
khn nht ca kinh t th gii qua, th trng th gii bt
u c khi phc, nhng chnh s iu chnh trong cc chin
lc, chnh sch kinh t i ngoi ca mt s nc ln tc
ng mnh m n tnh hnh an ninh kinh t th gii, trt t th
gii mi da trn c s kinh t vn cha c nh hnh trn
thc t.
Trong bi cnh kh khn chung ca ton cu, kinh t Vit Nam
tuy t c mt s thnh cng nht nh nhng cng bc
l nhiu nhc im ca mnh nh vn lm pht, t gi, vic
phn ng chm ca cc chnh sch iu hnh kinh t v m, cht
lng tng trng cn thp.
Hot ng ca h thng Ngn hng Vit Nam di s ch o
ca NHNN Vit Nam gp phn m bo an ton h thng,
kim ch lm pht, h tr sn xut kinh doanh trong nc v xut
khu. Tuy nhin, y cng nm h thng Ngn hng Vit Nam
chu nhiu p lc trong hot ng qun tr kinh doanh ca mnh
nh vic tng vn ln 3.000 t ng theo quy nh Chnh ph, vic
tun th thc hin cc quy nh kh cht ch ca NHNN i vi
cc t l m bo an ton hot ng ngn hng theo thng t 13,
s bin ng ca gi vng, t gi USD, li sut huy ng .
Vt qua nhng kh khn chung ca nn kinh

t, trong nm qua, TinNghiabank tng bc
phn u v hon thnh tt cc mc tiu k hoch
kinh doanh ra t u nm, xy dng v cng
c h thng qun tr, pht trin thng hiu, to
mt mi trng lm vic on kt, phn u v
s pht trin chung ca TinNghiabank, lm tin
cho s pht trin n nh v vng chc trong
nhng nm tip theo. C th mt s ch tiu kinh
doanh ch yu nh sau:
1.V Tng ti sn:
n 31/12/2010, tng ti sn ca TinNghiabank
t mc 46.414 t ng, bng 105% k hoch
nm, tng thm 30.474 t ng so vi 31/12/
2009. Cc ch tiu trong ti sn c nm 2010 u
tng mnh.
2. V hot ng tn dng v u t:
Tng d n tn dng n 31/12/2010 l 26.233
t ng, hon thnh 103% k hoch nm, tng
16.588 t ng so vi nm 2009. C cu d n
tn dng ngn hn/ trung di hn c duy tr
hp l, ph hp vi c cu ngun vn huy ng
trong nm mc 66,5%/ 33,5%.
Cht lng tn dng c nng cao, vi t l
n xu l 0,83%. Thc hin trch lp y cc
khon d phng ri ro theo quy nh (D phng
c th l 47.6 t ng, d phng chung l 192.4
t ng).
Nhm tng cng ngun thu ngoi tn dng,
m bo hiu qu s dng vn, TinNghiabank
thc hin u t vo mt s tri phiu, chng
khon c nh gi c hiu qu cao. n
31/12/2010, tng u t v gp vn t mc
6.498 t ng, tng 2.919 t ng so vi u
nm v hon thnh 98,2% k hoch nm. Thc
hin trch lp y d phng theo quy nh vi
s tin l 33.7 t ng.
3. V hot ng huy ng vn:
Trong iu kin cnh tranh gay gt gia cc
TCTD, ng thi phi m bo cc quy nh
ca NHNN v an ton hot ng ngn hng, tc
ng ca lm pht, li sut v ngun vn trn
th trng dn c lun l vn nng trong c
nm 2010.
Bng cc bin php ch ng, tch cc trong
chnh sch khch hng, li sut huy ng cnh
tranh trn th trng, s tin tng ca khch
hng vo TinNghiabank ngy cng tng, hot
ng huy ng vn ca TinNghiabank t

c s tng trng kh tt. Tng ngun vn

huy ng n 31/12/2010 l 41.408 t ng,
hon thnh 106% k hoch nm, tng 29.383 t
ng so vi u nm. Trong :
- Huy ng vn trn th trng dn c t 31.019
t ng, hon thnh 103% k hoch nm, tng
22.539 t ng so vi u nm.
- Huy ng vn trn th trng lin ngn hng
t 10.389 t ng, hon thnh 115% k hoch
nm, tng 6.844 t ng so vi u nm.
4. V li nhun:
Li nhun trc thu hp nht nm 2010 t
c l 514 t ng, hon thnh 114% k hoch
nm do i hi c ng ra. S bin ng v
li sut huy ng trn th trng, vic kim sot
ca NHNN i vi vn li sut, vic m bo
cc ch s an ton hot ng theo quy nh
lm gia tng chi ph vn, gim bin chnh
lch gia li sut u ra v u vo, nh hng
n li nhun ca h thng ngn hng ni chung
v TinNghiabank ni ring.
5. V hot ng TTQT v c cu ngun
thu dch v:
Qua mt nm cng c, nm 2010, hot ng
TTQT cng t c nhng thnh cng nht
nh. Doanh s TTQT trong nm t 8.497.210
USD, hon thnh 142% k hoch nm, tng
7.278.426 USD so vi 2009. Trong , doanh s
thanh ton hng ha nhp khu chim 60% v
hng ha xut khu chim 40%. Ngun ngoi
t cng vi hot ng kinh doanh ngoi t ca
TinNghiabank cn hn ch nn cha h tr tt
cho hot ng TTQT.
Vi mng li cha c m rng khp cc tnh
thnh trong c nc, h tng CNTT cn nhiu
hn ch, nn ngun thu t hot ng dch v
cn chim t trng thp trong tng ngun thu ca
ngn hng.
6. V mng li hot ng:
n 31/12/2010, TinNghiabank khai trng
v i hot ng 76 n v cng vi 2 QTK
c chp thun ca NHNN, khai trng hot
ng trong thng 1/2011. Trong nm 2010, 3 chi
nhnh Cn Th, Nng, Hi Phng c
khai trng hot ng, cng vi s m rng
mng li giao dch trn 2 a bn trng im
l Tp.HCM v Tp.HN gp phn a thng
hiu TinNghiabank ngy cng pht trin rng
hn, gp phn tch cc cho cng tc huy ng
vn ca TinNghiabank trong nm qua.
7. V lao ng - tin lng:
9. V CNTT:
Nhm p ng nhu cu nhn s phc v cng

tc m rng mng li, hon thin c cu t
chc, trong nm 2010, TinNghiabank tuyn
dng mi 622 CBNV, nng tng s lao ng n
31/12/2010 l 1.044 ngi.
Trong nm 2010, TinNghiabank hon thnh

cc k hoch ra trong cng tc CNTT, h
thng XBank hot ng n nh, gp phn nng
cao hiu qu kinh doanh.
Trnh chuyn mn ca lc lng lao ng

c s ci thin ng k so cc nm trc.
Ngoi nhng tiu chun quy nh khi tuyn
dng u vo, trong qu trnh lm vic, CBNV
TinNghiabank thng xuyn c o to hoc
a i o to chuyn su v nghip v, k nng
gp phn nng cao thc trch nhim trong
cng vic v pht trin nhng gi tr vn ha ca
TinNghiabank.
Ch lng thng c xc nh, nh gi
r rng, gn vi hiu qu kinh doanh, tin lng
bnh qun ca CBNV nm 2010 l 13.1 triu ng/
ngi/thng. Tin lng ca TinNghiabank
c ci thin ng k v a dn v mt bng
chung so vi cc Ngn hng TMCP khc c quy
m tng ng, nn thu ht c nhiu ngun
nhn s c cht lng cao, p ng nhu cu
nhn s cho pht trin.
Nhm hon thin dn h thng tin lng, chnh
sch i ng tng xng vi nng lc v hiu
qu cng vic, TinNghiabank khi ng d
n H thng tin lng theo v tr v hiu qu
cng vic vi s t vn ca Cng ty Inlen. Khi
d n i vo vn hnh s gp phn nng cao
hiu qu v khai thc ti u nng lc ca mi
CBNV trong h thng.
Trin khai online ton h thng, cung cp cc

gii php hot ng, qun l bng CNTT nh
cc chng trnh phn mm qun l nhn s,
tin lng, qun l cc sn phm huy ng, pht
trin sn phm dch v Internet banking.
Nhm chun b cho s pht trin
ca
TinNghiabank trong nhng nm tip theo vi yu
cu sn phm dch v c hm lng CNTT cao,
ng dng nhiu cng ngh ngn hng hin i,
TinNghiabank trin khai d n nng cp Core
Banking vi s t vn ca Cng ty Kim ton
Ernst & Young.
10. V cng tc qun tr, kim tra
kim sot:
Vic tng trng nhanh v quy m tng ti sn,
mng li hot ng t ra yu cu cao i vi
cng tc qun tr, kim tra kim sot. Do ,
cng tc xy dng quy ch, quy nh, quy trnh
phc v hot ng kinh doanh, qun tr iu hnh
nht l qun tr ri ro c quan tm ng mc.
Nng cao nng lc lnh o trong cng tc qun
tr, iu hnh.
Thit lp c h thng kim tra KSNB cht
ch t Hi s n cc chi nhnh gip hn ch
ti a ri ro c th xy ra trong qu trnh hot
ng.
8. V hot ng Marketing:
11. V hot ng Cng on:
Thng hiu TinNghiabank cn kh mi m trn

th trng, nn hot ng Marketing trong nm
qua tng cng tn sut gii thiu, qung b
TinNghiabank trn cc phng tin thng tin i
chng, ti tr cc s kin kinh t, vn ha, th
thao.
Thng qua T chc Cng on c s thc

hin cc tha c lao ng tp th, chm lo i
sng tinh thn ca CBNV, tng thn tng i,
pht huy tinh thn on kt.
Thc hin qung b tt cc chng trnh huy

ng vn, cc s kin ln trong hot ng, kinh
doanh ca Ngn hng gp phn thu ht s ch
ca cng chng n cc chng trnh huy ng
vn ca TinNghiabank trong thi gian qua.
H thng nhn din thng hiu, giao din
Website c thit lp hon chnh, cng tc
chm sc khch hng c quan tm chu o,
to dng c nim tin v tnh cm t khch
hng giao dch.

Trong nm, nhiu chng trnh, hot ng

c Cng on pht ng, t chc gp phn
thi ua hon thnh nhim v c giao, to mi
trng lm vic tch cc, gn b trong tp th
CBNV Ngn hng.
Nhng vn cn tn ti:
Bn cnh nhng thnh tch t c, trong
nm qua, TinNghiabank vn cn mt s vn
tn ti v cn nhng gii php thc hin

trit nhm mang li s n nh v iu
kin pht trin bn vng trong tng lai nh:
- Thng hiu TinNghiabank vn cn khim tn
trn th trng.
phn u hon thnh cc mc tiu kinh

doanh ra trn y, TinNghiabank s c bit
ch trng n cc yu t nhm tng cng tnh
cnh tranh, hng n s pht trin n nh v
bn vng ca Ngn hng trong nm 2011 nh:
- Mng li cha n c mt s th trng

quan trng khc.
1. Nng cao nng lc qun tr, iu hnh

trong ton h thng.
- Yu cu ngun nhn lc c cht lng phc v

nhu cu pht trin.
2. Thit lp v vn hnh c hiu qu h

thng qun tr ri ro, kim tra KSNB.
- Sn phm dch v cha c s a dng.
3. Xy dng v pht trin vn ha doanh

nghip, nhm to nt c trng cho
thng hiu TinNgiaBank.
- Thu nhp t hot ng dch v vn cn chim

t trng thp.
nh hng kinh doanh nm 2011:
Nm 2011 c d bo tip tc l mt nm y
kh khn t mi trng kinh t v m nh cc
vn lm pht, t gi, li sut huy ng v cho
vay, n vic thi hnh lut cc TCTD 2010, vic
tun th cc quy nh kh cht ch ca NHNN
Vit Nam nhm nng cao cht lng hot ng
ca h thng Ngn hng Vit Nam, cng nh
vic xa b cc ro cn thng mi trong hot
ng ca cc TCTD nc ngoi trn th trng
Vit Nam
Mt nm mi vi nhng n lc mi v nim
tin mi, Vit Nam Tn Ngha Ngn Hng s
pht huy nhng tim nng ca mnh phn
u hon thnh cc ch tiu k hoch c
giao ca nm 2011 v vng bc tin vo
nhm cc Ngn hng c nng lc ti chnh
mnh v c sc cnh tranh cao trn th
trng Vit Nam trong thi gian sm nht.
Trn trng.
Trn c s nhng nn tng xy dng trong

hai nm qua, TinNghiabank t ra nhng mc
tiu kinh doanh cn vn ti trong nm 2011
nh sau:
1. Tng vn iu l ln mc 4.589 t ng
nhm m bo cc ch s an ton hot
ng v c iu kin m rng kinh doanh.
2. M rng mng li giao dch, nng tng s
im giao dch ca ton h thng ln 112
n v.
TNG GIM C

PHAN THANH LONG
3. Tng ngun vn huy ng l 48.000 t

ng.
4. D n tn dng l 30.000 t ng v u t
ti chnh l 7.900 t ng.
5. Li nhun trc thu t 550 t ng.
6. Tng ti sn t 55.000 t ng.
7. Chia c tc 8%/nm.
ct mc pht trin
Thng 05/2007:
Ngn hng tng vn
iu l ln 553 t ng.
Thng 04/2009:
Ngn hng tng vn iu
l ln 1.133 t ng.
Thng 01/2009:
Ngn hng TMCP Thi Bnh Dng
i tn thnh TinNghiabank theo
Quyt nh s 162/Q-NHNN
ngy 23/01/2009 v chuyn
hot ng v Tr s mi ti 5052 Phm Hng Thi, Phng
Bn Thnh, Qun 1, TP.HCM.
Thng 12/2009:
Ngn hng m rng
mng li hot ng ln
29 im giao dch ti 02
thnh ph ln (Si Gn
v H Ni) vi tng ti
sn t c 15.940
t ng.Tng s lng
nhn vin: 555 ngi
Thng 11/2009 :
Ngn hng tip tc tng vn
iu l ln 3.399 t ng.
Thng 06/2010:
Ngn hng m rng mng
li ln 45 im giao dch ti
05 tnh thnh ln trong c nc
(Si Gn, H Ni, Hi Phng,
Nng v Cn Th) vi tng
ti sn t c 30.820 t ng,
tng 90% so vi cui nm 2009.
Thng 04/2010:
Ngn hng thnh lp Cng ty
Qun l n v khai thc ti sn
Vit Nam Tn Ngha - AMC (Asset
Management Company Ltd.).
Thng 12/2010:
Ngn hng m rng mng li hot
ng ln 76 im giao dch ti 05 thnh
ph ln (Si Gn, H Ni, Cn Th,
Nng, Hi Phng) vi tng ti sn t
c 46.414 t ng.
Tng s lng nhn vin: 1.044 ngi
hi ng qun tr
ng V Vn Thnh
B H Th Yn
Trnh chuyn mn:

i hc Kinh t Tp. H Ch Minh .
Trnh chuyn mn:

i hc Ngn hng - Trng Cao cp Ngn hng
Tp. H Ch Minh.
Ch Tch
Ph Ch tch
Qu trnh cng tc :
1990 - 1997: Chnh Vn phng, Ph Tng Gim
c, Tng Gim c Ngn hng Pht trin Nh
Tp. H Ch Minh kim y vin HQT Ngn hng
TMCP Gia nh.
1998 - 2008: Ph Tng Gim c thng trc
kim Gim c S giao dch Ngn hng Pht
trin Nh ng bng Sng Cu Long, Ph trch
o to nghip v ti Ngn hng Pht trin Nh
ng bng Sng Cu Long.
Qu trnh cng tc:

Trc 6/2006: Cng tc ti Ngn hng Nh
Nc Tnh Long An & Ngn Hng Cng Thng
chi nhnh 2.
10/2008 - nay: Ph Ch tch HQT ti Vit Nam
Tn Ngha Ngn Hng.
10/2008 - nay: Ch tch HQT ti Vit Nam Tn

Ngha Ngn Hng.
10
hi ng qun tr
ng L Anh Ti
ng Phm Vn Hng
Trnh chuyn mn:

C nhn kinh t - i hc Kinh t Tp. HCM.
Qu trnh cng tc ti TinNghiabank:

01/2006 - nay: Thnh vin HQT Vit Nam Tn
Ngha Ngn Hng.
Thnh vin
Thnh vin

3/2007 - 11/2008: Cng tc ti
TinNghiabank qua cc v tr Trng phng
Kinh doanh tng hp, Gim c Khi
Kinh doanh, Ph Tng Gim c.
11/2008 - 6/2010: Tng Gim
c TinNghiabank.
10/2008 - nay: Thnh vin HQT TinNghiabank.
11
ban kim sot
ng Hunh Thanh Phong

Trng ban
Trnh chuyn mn: C nhn
kinh t - Hc vin Ngn hng.
ng Nguyn Minh Nhn
Thnh vin
Trnh chuyn mn:
Cao cp nghip v ngn hng Hc vin Ngn hng.
Qu trnh cng tc
ti TinNghiabank:
- T 12/1992 n 04/2009:
Cng tc ti TinNghiabank
kinh qua cc v tr lnh o ti
Ngn hng nh Trng Phng
Hnh chnh qun tr, Ph Gim
c chi nhnh Thng Nht.
- T 05/2009 n nay: Thnh
vin Ban kim sot .
Qu trnh cng tc
ti TinNghiabank:
- T /2006 n 10/2008: Ph
phng Kim sot ni b.
- T 11/2008 n nay: Trng
Ban kim sot.
ng Nguyn Trng Cng

Thnh vin
Trnh chuyn mn:
K ton Thm inh gi
Qu trnh cng tc
ti TinNghiabank:
- T 1996 n 2003: Cng tc
ti TinNghiabank, kinh qua
cc v tr lnh o ti Ngn
hng nh: Trng ban kim
tra tn dng, Ph phng Hnh
chnh qun tr - php ch.
- T 05/2009 n nay: Thnh
vin Ban kim sot.
12
ban iu hnh
ng Phan Thanh Long - Tng Gim c
Trnh chuyn mn:
Thc s Kinh t - PRBA Hoa K .

- T 11/2008 n 05/2010:
Ph Tng Gim c TinNghiabank.
- T 06/2010 n nay:
Tng Gim c TinNghiabank.
ng Hong Minh Hon - Ph Tng Gim c

Trnh chuyn mn:
Thc s ngnh Ti chnh ngn hng - i hc kinh t Tp.HCM.

- T 3/2007 - 7/2009: Cng tc ti TinNghiabank, kinh qua cc
v tr lnh o ti Ngn hng nh Gim c chi nhnh Si Gn,
Gim c Khi kinh doanh.
- Thng 4/2010 c Hi ng qun tr b nhim chc v Ph
Tng Gim c.
ng Nguyn Quang Mi - Ph Tng Gim c

Trnh chuyn mn:
C nhn kinh t ngnh Ngn hng - i hc kinh t Tp.HCM.
T 11/2008 n nay: Ph Tng Gim c TinNghiabank.
13
ban iu hnh
ng Li Quc Tun - Ph Tng Gim c
Trnh chuyn mn:
C nhn Kinh t - i hc Tng Hp - H Ni.
C nhn Lut - i hc Khoa hc x hi & nhn vn - H Ni.
T thng 4/2010 n nay: Ph Tng Gim c TinNghiabank.
ng Phm Quang Thnh - Ph Tng Gim c

Trnh chuyn mn:
Thc s Qun tr cng ngh - Hc vin Innotech -Php.
- T 12/2008 n 01/2010: Gim c Khi cng ngh thng tin.
- T 02/2010 n nay: Ph Tng Gim c TinNghiabank.
ng Nguyn Vn Hng - K ton trng

Trnh chuyn mn:
C nhn Kinh t - i hc ngn hng Tp.HCM.
Tt nghip Chng trnh Kinh t Fullbright .
Thng 4/2010 n nay: K ton trng TinNghiabank.
14
S T CHC
15
ch s ti chnh nm 2010
Tng ti sn
VT: T ng
50.000
46.414
45.000
40.000
35.000
30.000
25.000
20.000
15.940
15.000
10.000
5000
4.187
5.032
2007
2008
0
2009
Vn iu l
2010
VT: T ng
3.600
3.399
3.399
2009
2010
2.400
1.200
567
567
2007
2008
16
VT: T ng
Li nhun trc thu

600
514
450
300
253
150
69
23
0
2007
2008
2009
Ngun vn huy ng
2010
VT: T ng
44.000
41.408
33.000
22.000
12.025
11.000
3.460
4.294
0
2007
2008
2009
2010
17
D n tn dng
VT: T ng
30.000
26.233
22.500
15.000
9.645
7.500
2.757
3.938
0
2007
2008
2009
2010
VT: T ng
u t ti chnh
7.500
6.498
6.000
4.500
3.579
3.000
1.500
169
90
2007
2008
2009
2010
18
hot ng huy ng vn
i vi mt Ngn hng kh mi v tm
trung nh TinNghiabank, nm 2010
c th c xem l mt mc son ca
hot ng huy ng vn trong iu kin th
trng din bin kh phc tp, hot ng ca
ngnh ti chnh ngn hng c kim sot
cht ch v cnh tranh ngy cng gay gt.
n ht 31/12/2010, tng vn huy ng ca
TinNghiabank t 41.408 t ng, tng 244% so
vi 2009 v gn gp 10 ln so vi 2008, bng
106% k hoch. Trong :
Ngun vn huy ng t t chc kinh t v

dn c t 31.019 t ng, tng 266% so vi
2009 v chim 75% trong tng huy ng.
Ngun vn huy ng t cc t chc tn dng
t 10.389 t ng, tng gn 200% so vi
2009 v chim 25% trong tng huy ng.
c bc tng trng n tng nh th,
TinNghiabank lun kin nh s mnh khng
ngng nng cao cht lng phc v khch
hng thng qua tm hiu nhu cu, k vng
ca mi i tng khch hng a ra cc
gii php chm sc hu hiu, tha mn cao
nht nhu cu hp l ca khch hng1. Trong
nm 2010, ngoi vic tng cng thit lp mi
quan h vi cc Ngn hng bn, TinNghiabank
cn tp trung nghin cu, xy dng, hon thin
cc sn phm, chnh sch u i v chm sc
khch hng tin gi.
S mnh ca TinNghiabank
19
hot ng huy ng vn
Tin gi ca T chc kinh t v dn c
Phn loi theo K hn
C nhn
T chc kinh t
Tng
2010
20.140
10.879
31.019
2010
19.975
11.044
31.019
2009
4.964
3.517
8.481
2009
5.615
2.866
8.481
+/- (%)
306%
209%
266%
+/- (%)
256%
285%
266%
VND
Ngoi t quy i sang VND
Vng quy i sang VND
2010
26.834
1.366
2.819
2009
7.753
563
165
+/- (%)
246%
143%
1608%
Tng
31.019
8.481
266%
Phn loi theo Khch hng
Ngn hn
Trung v di hn
Tng
Phn loi theo Tin t
Tng ng vi t l tng ca tng ngun vn huy

ng ni chung v huy ng t t chc kinh t - dn
c ni ring, huy ng i vi tng nhm trong c
cu cng tng nhng vi tc khng u nhau.
Xt v c cu huy ng theo theo Khch hng,
64% huy ng t t chc kinh t v dn c
(tng ng 19.975 t ng) thuc v nhm
Khch hng c nhn, 36% cn li l tin gi ca
T chc kinh t. T l tng ca cc yu t trong
c cu ny khng c nhiu khc bit: 256% i
vi Khch hng c nhn v 285% i vi T
chc kinh t .
C cu theo Khch hng v loi Tin t

(t ng quy i)
C cu huy ng theo k hn cng tng t nh

c cu theo Khch hng, t l tng s d huy
ng ngn hn cao hn trung v di hn v chim
65% (20.140 t ng), cn li 35% l s d huy
ng trung v di hn. Trong iu kin bin ng
ca th trng v li sut kh phc tp nh trong
nm va qua, xu hng gi tin ch yu tp
trung cc k hn ngn. Khch hng gi tin ti
TinNghiabank cng khng nm ngoi xu hng .
C cu huy ng theo loi tin c phn khc bit
so vi hai c cu trn. Chnh lnh gia t l
tng ca huy ng vng so vi VND v ngoi
t kh nhiu. Nu huy ng VND c mc tng
gn vi mc tng chung (246% so vi 266%) th
huy ng vng c s tng vt (1608%) trong khi
huy ng ngoi t ch dng li con s 143%.
Chim phn ln trong tng huy ng l tin VND
(87% - tng ng 26.834 t ng), k n l
vng (9%) v cui cng l ngoi t (4%). iu
ny c th c l gii mt phn bi s chnh
lch li sut huy ng gia cc loi tin, trong
, li sut huy ng VND kh cao km theo
nhiu khuyn mi hp dn.
C cu theo Khch hng v k hn
(t ng quy i)
20
hot ng huy ng vn
rong 2010, c 11 sn phm v chnh

sch c trin khai lin tc trong nm
nhn cc ngy s kin ln ca t nc,
ca TinNghiabank v ca khch hng (v d
nh Lc u nm, Tha sc mua sm cng
TinNghiabank, Ngn nm Thng Long Tng
bng qu tng, u i khch hng bn vng gi
tit kim VND, Chnh sch khch hng VIP, ).
Cc chng trnh tit kim khuyn mi v d
thng cng c trin khai an xen, thu ht c
s quan tm ng h ca ng o khch hng,
ni bt nht c th k n chng trnh Co trng
ln cng TinNghiabank v Lc Xun Tn Mo.
Kt qu huy ng thc t trong nm 2010 phn
no chng minh c kh nng p ng v s
hp dn ca nhm cc sn phm v chnh sch
tin gi ti TinNghiabank trong thi gian va qua.
S kin thay i thng hiu v ti cu trc ton
b hot ng, kin ton b my t chc ca
TinNghiabank t 2009 tng bc pht huy
tc dng ngy cng r nt, gp phn quan trng
vo thnh qu nu trn trong hot ng huy ng
vn nm 2010, to tng trng cho nhng
nm k tip theo phng chm bn vng, an
ton v hiu qu2.
KINH DOANH VNG - NGOI T

Vi mc tiu gia tng tin ch cho khch hng,
TinNghiabank cung cp cc dch v mua bn
ngoi t, vng vi gi c cnh tranh, th tc
nhanh gn ph hp vi nhu cu khch hng.
Ngoi ra, vi vai tr qun l, TinNghiabank
v ang m nhim qun l ri ro trng thi
ngoi hi v m bo tun th cc quy nh ca
Nh nc.
2
Yu t trong Tm nhn ca TinNghiabank

21
hot ng tn dng
ng d n n cui nm l 26.233 t tng

16.588 t (tng ng tng 172% so vi
cui nm 2009). Trong , d n cho vay
ngn hn tng 10.680 t (tng ng tng 158%)
v d n cho vay trung di hn tng 5.908 t
(tng ng tng 205%) so vi cui nm 2009.
Sau khi loi tr yu t gi vng v gi USD cui
nm 2010 tng so vi cui nm 2009 v s d
repo (mua bn c k hn c phiu cha nim
yt) c hch ton vo d n cho vay th d n
cho vay thc t cui nm 2010 ch tng 13.299 t
(tng ng tng 138% so vi nm 2009)
Mc d vy, y cng l mc tng rt cao so
vi mc tng trng tn dng chung ca c h
thng Ngn hng Vit Nam trong nm 2010 l
27,65%.
Tc tng trng tn dng nm 2010 ca
TinNghiabank l hp l v thp hn so vi tc
tng huy ng vn ca TinNghiabank (nm 2010
huy ng vn tng 244% so vi nm 2009).
Tng trng tn dng cao nhng cht lng tn
dng c TinNghiabank kim sot rt cht
ch v c ci thin rt nhiu so vi nm
2009. Tng n qu hn v n xu n cui 2010

l 248 t (chim 0,95%/tng d n), gim 115 t,
tng ng gim 2,81% so vi nm 2009. Trong
, n xu 218 t (chim 0,83%/tng d n). T
l n xu ny rt thp khi so vi t l n xu
bnh qun chung ca c h thng ngn hng Vit
Nam trong nm 2010 l 2,5%.
C CU U T TN DNG :
C cu u t tn dng nm 2010 thay i
theo hng tch cc hn so vi nm 2009. D
n kinh doanh bt ng sn nm 2009 cn chim
74% tng d n th sang nm 2010 gim xung
cn chim 58% tng d n; Cho vay sn xut
kinh doanh nm 2009 ch chim 4,8% tng d
n th sang nm 2010 c nng ln chim
11,2% tng d n.
Trong nm 2011, TinNghiabank tip tc c cu
li danh mc u t tn dng theo hng tip tc
gim cho vay i vi lnh vc c ri ro cao (kinh
doanh bt ng sn) v tng cng cho vay i
vi ngnh ngh c ri ro thp hn nh cho vay
sn xut kinh doanh v tiu dng nng cao t
l an ton vn v thc hin ng ch trng ca
Chnh ph.
22
hot ng u t
u nh nm 2009 l nm to dng nn
tng cho mng hot ng u t ca
TinNghiabank thng qua vic xy dng
v ban hnh cc quy trnh, quy ch ni b lin
quan n hot ng ny th nm 2010 hot ng
u t ti chnh ca TinNghiabank tht s
tng trng n tng c v lng v cht.
Tnh n 31/12/2010, s d hot ng u t
ti chnh ca TinNghiabank t 6.497,6 t ng,
tng 1,82 ln so vi nm 2009, trong chng
khon kinh doanh t 72,2 t ng (chim
1,11%), chng khon u t t 6.400 t ng
(chim 98,2%) v khon gp vn, u t di hn
t 25,2 t ng (chim 0,39%).
vt: t ng
Chng khon KD
72.2
1,11%
Chng khon u t
6.400.2
98,50%
Gp vn, u t di hn
25.2
0,39%
6.497.6
100.00%
Trong nm 2010, th trng chng khon Vit

Nam b nh hng khng nhng t tc ng ca
nhng yu t bn ngoi nh tm l e ngi khng
hong kp, cuc khng hong n cng chu
u m cn chu tc ng mnh t nhng bt n
trong ni ti nn kinh t. Tuy nhin, do c cu
u t ch yu ca TinNghiabank vn tip tc
u t vo chng khon n c thu nhp n nh
gm tri phiu Chnh ph v tri phiu doanh
nghip nn hot ng u t ti chnh ca TNB
tip tc mang li nhng ngun thu an ton v
hiu qu gp phn a dng ha thu nhp cho
TinNghiabank.
23
thanh ton quc t

Doanh s hot ng:
Thit lp quan h i l:
Thanh ton Quc t trong nm 2010 hot ng

trong bi cnh nn kinh t cn nhiu kh khn,
cha n nh v nhng yu t v m nh: gi c,
li sut, t gi Tuy nhin, TinNghiabank p
dng mt s chnh sch linh hot ph hp vi
nhu cu khch hng, nng cao thi phc v,
gii quyt nhanh chng yu cu ca khch hng
nn doanh s hot ng c s gia tng tng
i nhanh k t su thng cui nm.
Nm 2010, TinNghiabank c nhng bc

pht trin mi, dn khng nh uy tn v m rng
quan h vi cc ngn hng trong v ngoi nc.
u nm 2010 TinNghiabank thit lp quan h
i l vi 22 ngn hng trong v ngoi nc.
n 31/12/2010, s lng cc ngn hng i
l ln n 51 ngn hng (trong c 40 Ngn
hng nc ngoi v 11 ngn hng trong nc),
p ng nhu cu dch v thanh ton ca khch
hng.
Tt c cc chi nhnh c khch hng thc hin

dch v Thanh ton quc t.
Doanh s theo k hoch nm 2010:

6.000.000 USD
Doanh s thc hin tnh n 31/12/2010:

8.497.210 USD
T l hon thnh:

142% k hoch
Cng tc o to v cng tc khc :

- H tr v gii quyt cc giao dch v Thanh
ton quc t cho cc chi nhnh.
- Kt hp vi phng o to c nhn vin Thanh
ton quc t ti Hi s tham d cc kha hc
chuyn mn, cc bui hi tho do trng i
hc Ngn hng, Hip hi Ngn hng t chc.
- o to cc nhn vin mi khu vc Tp.HCM
cc kin thc v TTQT
- Xy dng v hon chnh cc quy nh, quy trnh
v TTQT ca TinNghiabank ph hp vi thc
tin hot ng ca ngn hng.

24
hot ng nhn s
Hot ng t chc nhn s nm 2010:
C cu lao ng theo gii tnh
Lao ng u nm 01/01/2010: 555 ngi

Lao ng cui nm 31/12/2010: 1.044 ngi
(tng 487 ngi)
Trong :
Nam
: 485 ngi - t l: 46.5 %
: 559 ngi - t l: 53.5 %
Trnh chuyn mn:

Trn i hc :
21 ngi
i hc, cao ng :
622 ngi - t l: 59.7 %
Trung cp:
84 ngi - t l: 8.1 %
Di trung cp:
- t l: 2.0 %
315 ngi - t l: 30.2 %
Hp ng lao ng:
Khng xc nh thi hn
: 131 ngi
Xc nh thi hn 1 2 nm
: 792 ngi
Hp ng khon
: 05 ngi
Hp ng th vic
: 45 ngi
Hp ng hc vic
: 69 ngi
25
hot ng nhn s
Ch , chnh sch tin lng:
Thc hin ng v thanh ton kp thi cc ch
tin lng, tin thng cho CBNV, to ng lc
cho CBNV phn u hon thnh tt cng tc.
Thc hin tt, y cc ch phc li cho
CBNV nh: Trch np y cc khon BHXH,
BHYT, BHTN theo ng quy nh ca Nh nc;
T chc khm sc khe nh k cho ton th
CBNV; Phi hp vi Cng on c s t chc
cho ton th CBNV ngh mt, cc chng trnh
hi thao hi din vn ngh, to khng kh vui ti
phn khi lm tin cho vic hon thnh xut
sc k hoch hot ng kinh doanh nm 2010 v
nhng nm tip theo.
Chnh sch tin lng, thu nhp ca CBNV
khng ngng c ci thin, tng ng vi
mt bng tin lng chung ca cc Ngn hng
khc cng quy m. Trong nm tin hnh
iu chnh tng tin lng cho ton th CBNV
TinNghiabank v xt nng bc lng cho 75
CBNV.
Mi trng lm vic tt, CBNV c quan tm v
tin tng vo s lnh o ca Hi ng Qun tr,
Ban iu hnh, tin tng vo s pht trin ca
Vit Nam Tn Ngha Ngn Hng nn an tm cng
hin v lm vic lu di. Ngun nhn lc ngy
cng cht lng v n nh. y cng l mt
yu t quyt nh s pht trin ca TinNghiabank
trong tng lai.
TC PHT TRIN NHN S QUA CC NM
n v tnh: ngi
1.044
555
271
271
26
hot ng o to
1.
nh gi chung:
+ o to bn ngoi: 23 kha c CBNV i
Nm 2010, cng tc o to tp trung

hun luyn nhn vin mi v nghip v k ton,
ngn qu p ng nhu cu pht trin nhn s; t
chc hng dn v bi dng k nng cho nhn
vin thc hin trin khai quy trnh giao dch
mt ca; bi dng nghip v cho chc danh
T trng k ton v k nng lnh o qun
l cho trng cc n v; ng thi c cn
b nhn vin tham d mt s chuyn nng
cao bn ngoi do Hip hi ngn hng, VCCI,
trng i hc v cc trung tm o to t chc.
Pht trin cng tc o to ni b vi i ng
ging vin l lnh o Ngn hng, cc phng ban
v chuyn vin ti cc phng nghip v. Do vy,
tit kim c chi ph o to nhng vn m
bo ni dung o to gn lin vi thc tin hot
ng kinh doanh ca TinNghiabank, gip nhn
vin nm vng quy trnh, quy nh v nghip v.
Ngoi ra, TinNghiabank thit k S tay sn
phm; xy dng Th vin in t; cp nht v
lu tr vn bn, ti liu o to CBNV nghin
cu; xy dng cc chng trnh o to chun
cho chc danh Gim c, nhn vin Quan h
khch hng, nhn vin k ton, nhn vin ngn
qu.
2. Kt qu c th:
-
T chc 52 kha hc, tng 13% so vi nm

2009, trong :
hc, tng 10%
Tng s lt nhn vin c o to l 1.121

ngi, tng 12% so vi 2009.
Tng chi ph o to 205 triu ng, gim 11%

so vi nm 2009.
Cng tc xy dng ti liu:

+ Thit k S tay sn phm v cp nht
thng xuyn nhng sn phm, chnh

sch hin hnh, ng thi lu gi ti liu
v cc sn phm, chnh sch ht hiu lc
cn b nhn vin theo di.
+ Xy dng Th vin in t, cp nht cc
vn bn php lut, vn bn ca Ngn

hng Nh nc v ca TinNghiabank,
lu tr cc ti liu o to, ti liu tham
kho.
+ Xy dng ti liu o to nghip v Tn
dng, Thanh ton quc t, Kinh doanh

ngoi t, nghip v K ton, nghip v
Ngn qu, k nng phn bit tin tht tin gi USD, hng dn s dng chng
trnh XBANK, SMS, Internet Banking v
ti liu o to k nng mm.
+ Bin son ti liu giao dch mu; thit k
ti liu p ng tnh hnh thc t pht sinh

nh ti liu phn bit vng nhi thng
hiu SJC trong ngy nhn thng tin th
trng.
+ o to ni b: 24 kha vi ging vin
ni b, tng 41%, 05 kha vi ging vin

mi, gim 38%
27
cng ngh thng tin

qun tr nhn s tin lng, chng trnh Internet
banking, trong h thng Internet banking
hon tt vic trin khai th nghim ni b cho
cn b nhn vin, chun b trin khai chnh thc
cho khch hng.
Tuy cn tn ti mt s hn ch nhng h thng
CNTT c nhng h tr kp thi cho vic pht
trin cc sn phm tit kim mi, a dng, phong
ph trong mt nm 2010 y cnh tranh v li
sut trong th trng Ti chnh Ngn hng. Bn
cnh , TinNghiabank trin khai cc bin php
k thut nhm tun th cc quy nh ca Ngn
hng nh nc v an ton ri ro, phng chng
ra tin.
Kt qu ca vic u t nghim tc cho h tng,
TinNghiabank tin hnh khai thc hiu qu
h tng ny, nm 2010 nh du bng vic trin
khai h thng in thoi IP s dng ng truyn
d liu phc v h thng m thoi ni b, lm
gim ng k chi ph in thoi ng di lin
tnh trong ton h thng. Hin nay, ton b cc
im giao dch ca TinNghiabank u c kt
ni trc tuyn v s dng IP phone l phng
tin trao i thng tin chnh thc bn cnh h
thng in thoi truyn thng.
ip tc trin khai nh hng hin i ha

cng ngh Ngn hng nm trong chin
lc pht trin chung ca Hi ng qun
tr, trong nm 2010, TinNghiabank c nhng
ci thin ng k v h tng CNTT nhm chun
b sn sng cho vic pht trin mnh m trong
nhng nm tip theo.Ti nay, h thng p
ng c nhng yu cu kht khe trong vic
pht trin mng li cng nh m bo an ton
vn hnh, khng xy ra s c no ng k.
c s chp thun ca Hi ng qun tr v
ch trng trin khai nng cp h thng Core
banking hin ti nhm p ng yu cu kinh
doanh v phc v khch hng, TinNghiabank
thnh lp Ban ch o xt chn v trin khai h
thng Core banking, iu ng nhn s thnh lp
Ban trin khai gii php core banking ng thi
k hp ng T vn vi cng ty Ernst & Young
nhm m bo t c hiu qu cao nht.
nng cao tnh bo mt, TinNghiabank cng

tin hnh mi Symantec, mt tp on hng
u th gii v an ton bo mt CNTT vo nh
gi h thng an ninh thng tin ti TinNghiabank,
cng vi l vic k kt hp ng vi cng ty
bo mt thng tin nhm pht hin, ngn chn
nhng l hng bo mt ca ton h thng.
Nm 2010, c s ch o st sao ca Hi
ng qun tr, Ban iu hnh, h thng CNTT
ti TinNghiabank gt hi c nhng kt
qu ng k, gp phn vo thnh cng chung
ca Ngn hng, to tin vng chc tin ti
xy dng mt h thng CNTT vi khch hng
l trng tm, t phng chm phc v khch
hng trn ht nhng m bo an ton, hiu qu,
bn vng.
Song song vi vic u t nng cp h thng

Core banking hin i, TinNghiabank cng
hon thnh hng lot chng trnh ng dng h
tr ng k cho s tng trng h thng v an
ton vn hnh bng vic trin khai thnh cng
cc chng trnh h tr vn hnh v kinh doanh,
nh chng trnh h tr Tinnghia, chng trnh
28
hot ng qung b
hn chung, cng tc Marketing ca

TinNghiabank trong nm 2010 va qua
c y mnh ng k so vi nm
2009. Cc hot ng Marketing c u t
quan tm ng mc, c th nh: qung co h
tr sn phm huy ng, t chc cc s kin
nhm qung b thng hiu, ti tr truyn hnh
x hi, ban hnh h thng nhn din thng
hiu mi, ci thin v thit k giao din website
mi; tng cng cng tc chm sc khch hng;
ngoi ra, lin h i tc thit k v trnh duyt
ng phc mi chun b cho nm 2011.
hnh nh thng hiu TinNghiabank c

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cho nhn vin ton hng c th tham kho. H
thng nhn din thng hiu s c ng dng
thc t theo tng thi im, xt nhu cu thc t
nhm tit kim chi ph.
Tham mu v xut
lnh o ti tr cc
chng trnh ti tr
x hi v chng trnh
truyn hnh nh: i b
gy Qu khuyn hc
ln 4, Trung thu yu
thng, Chng trnh Bnh
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ch tiu huy ng. in hnh nh sn phm Co
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thc l mt b phn ca TinNghiabank, tuy nhin
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29
hot ng qun l ri ro
gn hng l ngnh ngh kinh doanh gp

rt nhiu ri ro nh ri ro tn dng, ri ro
th trng (li sut, thanh khon ) v ri
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ng s trin khai ban hnh nhiu vn bn, ch
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pht trin mng li

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nm 2010:
c s quan tm, v to iu kin ti a

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TinNghiabank tham gia i b v ti tr chng trnh I B GY QU KHUYN HC ln 4
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32
hot ng cng ng
THAM GIA CHNG TRNH HIN MU NHN O
Vi phng chm lun ng hnh cng vi
cng ng trong mi hot ng x hi, Vit Nam
Tn Ngha Ngn hng cng Hi ch thp
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33
nh hng nm 2011
m 2011 c d bo tip tc l mt nm y kh khn t mi trng kinh t v m nh cc

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vic tun th cc quy nh kh cht ch ca NHNN Vit Nam nhm nng cao cht lng
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Nam trong thi gian sm nht.
34
H thng mng li
CHI NHNH SI GN
26A Phm Ngc Thch, P6, Q3, Tp.HCM
PGD Trn Hng o
831-833 Trn Hng o, P1, Q5,Tp.HCM
PGD Trn No
124 Trn No, P.Bnh An, Q2, Tp.HCM
PGD Tn nh
372 Hai B Trng, P.Tn nh, Q1, Tp.HCM
PGD Qun 7
525 Nguyn Th Thp, Qun 7, Tp.HCM
PGD Nguyn Cng Tr
152 Nguyn Cng Tr, Qun 1, Tp.HCM
QTK L Vn S
110 L Vn S ,P.10,Qun Tn Ph, Tp.HCM
QTK V Vn Tn
407 V vn tn, P5, Q3,Tp.HCM
QTK Cch Mng Thng 8
773 CMT8, P6,QTn Bnh, Tp.HCM
HI S CHNH
50 Bis-52 Phm Hng Thi, P.Bn Thnh,
Q1, TP.HCM
T: (08) 3827 9797, Fax: (08) 3824 5599
SWIFT code: VNTNVNVN
Email: info@TinNghiabank.vn
QTK Th Ngh
147 X Vit Ngh Tnh, P.17, Q.Bnh Thnh,
Tp.HCM
QTK Qun 4
23 Hong Diu, Phng 12, Qun 4, Tp.HCM
QTK Ct Li
340A Nguyn Th nh, Phng Thnh M Li,
Qun 2, Tp.HCM
QTK Ha Hng
358 Cch Mng Thng 8, Phng 10, Qun 3,
Tp.HCM
QTK Hng Xanh
87 in Bin Ph, Qun Bnh Thnh, Tp.HCM
CHI NHNH THNG NHT
453 L Thng Kit, P4,Q.Tn Bnh, Tp.HCM
PGD Hang Vn Th
340H-K Hang Vn Th, P4,Q.Tn Bnh,
Tp.HCM.
QTK Lc Long Qun
359 Lc Long Qun, P.5, Q.11, TP.HCM
35
H thng mng li
QTK Trng Chinh
354A Trng Chinh, P.13,Q.Tn Bnh, TP.HCM
QTK Hng Bng

311 Hng Bng, P.11, Q.5, TP.HCM
QTK Tn Ph

751 ( s mi 761) Lu bn bch, P.Ph th ho,
Q Tn Ph, Tp. HCM
QTK Nht To
371 Nguyn Tri Phng, P5, Q10, TP.HCM
QTK L Gia
113 Nguyn Th Nh, P9, Q Tn Bnh, TP.HCM
QTK Trng Vnh K
188A Trng Vnh K, Phng Tn Sn Nh,
qun Tn Ph, TP.HCM
QTK m Sen
161 Ha Bnh, phng Hip Tn, Qun Tn Ph,
TP.HCM
QTK T Hin Thnh
245 T Hin Thnh, phng 13, Qun 10,
TP.HCM
QTK Cng Ho
324-326 Cng Ha, P.13, Q.Tn Bnh, TP.HCM
QTK L Thi T
97B L Thi T, Qun 10, TP.HCM
QTK 3 Thng 2
358 ( s c 18B-57) ng 3 thng 2, P12,
Q.10, TP. HCM
CHI NHNH BNH TY
2S LQuang Sung, P2, Q.6,TP.HCM
PGD T Uyn
237 T Uyn, P6, Q11, TP.HCM
PGD Ph M Hng
1463,KP M Tan 1-H3, P.Tn Phong, Q.7,
TP.HCM
PGD An ng
77-79 Nguyn Duy Dng, P9, Q5, TP.HCM
QTK Ph Lm
766 Hng Bng, Qun 11, TP.HCM
QTK Chnh Hng

316 Chnh Hng, P5, Q8, TP.HCM
QTK Hu Giang
176B Hu Giang, P6, Q6, TP.HCM
QTK Tn To
75 ng s 1, p.Bnh Tr ng B, Qun Bnh
Tn, TP.HCM
CHI NHNH PH NG
98B Nguyn vn Tri, P8, Q Ph Nhun,
TP.HCM
PGD Ph Nhun
176 Phan nh Phng, P2,Q.Ph Nhun,TP.
HCM
PGD aKao
58 inh Tin Hang, P1,Q.Bnh Thnh,TP.HCM
QTK B Chiu
49C Phan ng Lu, Phng 3, Qun Bnh
Thnh, TP.HCM
QTK G Vp
76 Nguyn Thi sn, P3,Q.G Vp,TP.HCM
QTK L Quang nh
452 L Quang nh, P11, Q Bnh Thnh,
TP.HCM
QTK Th c
96A V Vn Ngn, Th c
QTK Quang Trung
201E Quang Trung, Q.G Vp
QTK Bch ng
231 Bch ng, Phng 15, Qun Bnh Thnh,
TP.HCM
PGD Qun 8
338 Tng Thin Vng, Qun 8, TP.HCM
QTK Thanh a
605 X Vit Ngh Tnh, Phng 26, Qun Bnh
Thnh, TP.HCM
QTK Trung Sn
311 ng 9A, X Bnh Hng, H.Bnh Chnh,
TP.HCM
QTK Nguyn Oanh

34 Nguyn Oanh, Phng 7, Qun G Vp,
TP.HCM
36
H thng mng li
QTK Gia nh
38 Hong Vn Th, P9, Qun Ph Nhun,
TP.HCM
QTK Hng Ct
63 Hng Ct, Phng Hng M, H Ni
CHI NHNH CN TH
19-21 V Vn Tn, Qun Ninh Kiu, Thnh Ph
Cn Th
CHI NHNH H NI
168 Ngc Khnh, P. Ging V ,
Q.Ba nh, H Ni
QTK Ci Rng
164A Quc L 1A, Phng L Bnh, Qun Ci
Rng, TP. Cn Th
PGD Bi Th Xun
103 Bi Th Xun, p.Bi Th Xun,
Q.Hai B Trng,H Ni.
QTK An Ha
86 Mu Thn, phng An Ha, Qun Ninh Kiu,
TP. Cn Th
PGD Thanh Xun

148 Nguyn Tri, P.Thng nh,
Q.Thanh Xun, H Ni
QTK L T Trng
36 L T Trng - Phng An C, Qun Ninh
Kiu, TP.Cn Th
PGD Ng Th Nhm
32 Ng Th Nhm, P.Ng Th Nhm,
Q.Hai B Trng, H Ni
PGD Cu Giy
352 Cu Giy, P.Dch Vng, Q.Cu Giy, H Ni
PGD Khm Thin
219D-219E Khm Thin, P.Th Quan, Qun
ng a,H Ni
CHI NHNH HI PHNG

14 Trn Ph, Q.Ng Quyn, TP. Hi Phng
QTK nh ng
161-163 nh ng, P.ng Hi, Q.L Chn,
Tp Hi Phng
QTK D Hng
28 D Hng, P.D Hng, Q.L Chn,
Tp Hi Phng
PGD Bch Mai

470 Bch Mai, P. Bch Mai,
Q.Hai B Trng, H Ni
PGD Lc Long Qun
391 Lc Long Qun, phng Ngha ,
Q. Cu Giy, H Ni
PGD i Cn
363 i Cn, P Liu Giai, Q Ba nh, H Ni
PGD Tn c Thng
63B Tn c Thng, P Quc T Gim,
Q.ng a,H Ni
QTK Nguyn Th nh
36N2 Nguyn Th nh, P.Trung Ha,
Q.Cu Giy, H Ni
QTK T Hiu
377 T Hiu, Phng H Nam, Qun L Chn,
Tp Hi Phng
CHI NHNH NNG
04 ng Hng Vng v 106 Bch ng,
Q.Hi Chu, TP. Nng
QTK ng a
313 ng a, P.Thch Thang, Q.Hi Chu,
Tp Nng
QTK Ni Thnh
179 Ni Thnh, P.Ha Cng, Q.Hi Chu,
Tp Nng
QTK H Tng Mu
386 H Tng Mu, Th Trn Cu Din,
Huyn T Lim, H Ni
QTK Ho Khu
351 in Bin Ph, Phng Ha Kh,
Qun Thanh Kh, TP. Nng
QTK Trn Kht Chn

482 Trn Kht Chn, P. Ph Hu,
Q.Hai B Trng, H Ni
QTK Hng Mnh
05 Hng Mnh, phng Hng Gai, H Ni
37
H thng ngn hng i l
China Mingsheng Banking Corp
MSBCCNBJ
Hana Bank Seoul H.O
HNBKKRSE
Hana Bank, Hongkong Branch
HNBKHKHH
Industrial Bank of Korea, HCM Branch
IBKOVNVX
The State Bank of Vietnam, Transaction
STBVVNVX
Vietnam Bank for of Agriculture and Rural Development, Transaction

Shinhan Bank, Hongkong Branch
VBAAVNVX
SHBKHKHX
Singapore Banking Corporation Ltd, Phnom Penh
CSBCKHPP
Standard Chartered Bank, Frankfurt
SCBLDEFX
Standard Chartered Bank, Hongkong
SCBLHKHH
Standard Chartered Bank, London
SCBLGB2L
Standard Chartered Bank, Mumbai
SCBLINBB
Standard Chartered Bank, New York
SCBLUS33
United Overseas Bank Ltd, Singapore
UOVBSGSG
Wachovia Bank, Hongkong Branch
PNBPHKHH
Wachovia Bank, International Processing Center, Philadelphia
PNBPUS33
Wachovia Bank, London Branch
PNBPGB2L
Wachovia Bank, Los Angeles CA
PNBPUS6L
Wachovia Bank, Miami Branch, Florida
PNBPUS3N
Wachovia Bank, New York Branch
PNBPUS3NNYC
Wachovia Bank, Seoul Branch
PNBPKRSX
Wachovia Bank, Shanghai Branch
PNBPCNSH
Wachovia Bank, Taipei Branch
PNBPTWTP
Wachovia Bank, Tokyo Branch
PNBPJPJX
Woori Bank, Hanoi Branch
HVBKVNVX
Woori Bank, HCM Branch
HVBKVN2X
Woori Bank, London Branch
HVBKGB2L
Woori Bank, Seoul Branch
HVBKKRSE
38
BO CO TI CHNH Hp nht
c KIM TON
Nin kt thc ngy 31 thng 12 nm 2010
BO CO CA BAN TNG GIM C

Ban Tong Giam oc tran trong e trnh ban bao cao nay cung cac bao cao tai chnh hp nhat
a c kiem toan cua Ngan hang Thng mai Co phan Viet Nam Tn Ngha, di ay goi la
Ngan hang, cho nien o ket thuc ngay 31 thang 12 nam 2010.
1. CAC HOAT ONG CHNH CUA NGAN HANG
Khai quat ve Ngan hang:
Ngan hang Thng mai Co phan Viet Nam Tn Ngha trc ay co ten goi la Ngan hang TMCP
Tan Viet c thanh lap theo giay phep so 0164/NH-GP ngay 22 thang 8 nam 1992 do Ngan
hang Nha nc Viet Nam cap.
Ngay 9/2/2006, S Ke hoach va au t Tp.HCM cap Giay chng nhan ang ky kinh doanh so
059034 quyet nh oi ten thanh Ngan hang TMCP Thai Bnh Dng.
Ke t ngay 18/2/2009, S Ke hoach va au t Tp.HCM cap Giay chng nhan ang ky kinh
doanh so 059034 quyet nh oi ten thanh Ngan hang TMCP Viet Nam Tn Ngha.
Cong ty con
Ngan hang nam quyen kiem soat toan bo Cong ty TNHH MTV Quan ly n va Khai thac Tai
san Ngan hang TMCP Viet Nam Tn Ngha, c thanh lap theo Giay chng nhan ang ky
kinh doanh so 0309893373 ngay 30/03/2010 do S ke hoach va au t cap vi mc von ieu
le la 20.000.000.000 ong, hoat ong chu yeu la tiep nhan, quan ly cac khoan n ton ong cua
ngan hang TMCP Viet Nam Tn Ngha va tai san am bao n vay lien quan en cac khoan n
e x ly, thu hoi von nhanh nhat.
Von ieu le:
3.399.006.000.000 VN
Tru s chnh cua Ngan hang at tai:

So 50 52 Pham Hong Thai, Phng Ben Thanh, Quan 1, TP. Ho Ch Minh.
- ien thoai
: 84.8.38279797
- Fax
: 84.8.38274813
: 0301418993
Ma so thue
Cac n v trc thuoc cua Ngan hang:

- Chi nhanh Thong Nhat
: 453 Ly Thng Kiet, Phng 8, Quan Tan Bnh, TP.HCM
- Chi Nhanh Sai Gon
: 26A Pham Ngoc Thach, Phng 6, Quan 3, TP.HCM
- Chi Nhanh a Nang

: 4 Hung Vng & 106 Bach ang, Q. Hai Chau,

TP.a Nang
- Chi nhanh Ha Noi
: 168 Ngoc Khanh, P. Giang Vo, Q. Ba nh, TP.Ha Noi
- Chi nhanh Phu ong
: 98B Nguyen Van Troi, P.8, Quan Phu Nhuan, TP.HCM
- Chi nhanh Can Th

: 19 - 21A Vo Van Tan, P. Tan An, Q. Ninh Kieu,

TP.Can Th
- Chi nhanh Hai Phong

: 14 Tran Phu, P. Lng Khanh Thien, Q. Ngo Quyen,

TP.Hai Phong
- Chi nhanh Bnh Tay
: 2S Le Quang Sung, Phng 2, Quan 6, TP.HCM
40

Hoat ong chnh cua Ngan hang :
- Huy ong von ngan han, trung han, dai han di cac hnh thc co ky han, khong ky han.
- Tiep nhan von au t va phat trien.
- Vay von cua cac to chc tn dung khac.
- Cho vay ngan han, trung han, dai han.
- Chiet khau thng phieu, trai phieu va cac giay t co gia
- Hun von va lien doanh.
- Lam dch vu thanh toan gia cac khach hang.
- Thc hien kinh doanh ngoai te, vang bac va thanh toan quoc te, huy ong von t nc
ngoai.
- Cac dch vu ngan hang khac.
2. HOI ONG QUAN TR, BAN KIEM SOAT, BAN TONG GIAM OC VA KE TOAN
TRNG:
* Ngan hang
Hoi ong Quan tr
Ngay NHNN chuan y
Ong Vu Van Thanh
:
Chu tch Hoi ong Quan tr
28/07/2009
Ba Ha Th Yen
:
Pho chu tch Hoi ong Quan Tr
28/07/2009
Ong Pham Van Hung
:
Thanh vien Hoi ong Quan tr
28/07/2009
Ong Le Anh Tai
:
Thanh vien Hoi ong Quan tr
28/07/2009
Ban Kiem soat:
Ngay NHNN chuan y
Ong Huynh Thanh Phong : Trng Ban kiem soat
28/07/2009
Ong Nguyen Minh Nhan : Kiem soat vien
28/07/2009
Ong Nguyen Trong Cng : Kiem soat vien
28/07/2009
Ban Tong Giam oc
Ngay bo nhiem
Ong Phan Thanh Long
:
Tong Giam oc
10/06/2010
Ong Nguyen Quang Mi :
Pho Tong Giam oc
03/11/2008
Ong Pham Quang Thanh :
Pho Tong Giam oc
01/02/2010
Ong Hoang Minh Hoan
:
Pho Tong Giam oc
04/05/2010
Ong Lai Quoc Tuan :
Pho Tong Giam oc
19/04/2010
Ke toan trng:
Ngay bo nhiem
Ong Nguyen Van Hung
: Ke toan trng
19/04/2010
* Cong ty con
Hoi ong Thanh Vien
Ngay bo nhiem
Ong Le Anh Tai
Chu Tch Hoi ong Thanh vien
09/03/2010
Ong Vo c
Thanh vien
22/03/2010
Ban Giam oc:
Ngay bo nhiem
Ong Vo c
Giam oc
22/03/2010
Ba Ta Minh Chau
Pho Giam oc
29/04/2010
Ke toan trng:
Ngay bo nhiem
Ong Nguyen Ha Long
: Ke toan trng
29/04/2010

41

3. KET QUA HOAT ONG NIEN O 2010
Ban Tong Giam oc nhat tr vi cac so lieu trnh bay tren Bao cao tai chnh a c kiem toan
bi Cong ty TNHH Kiem toan va Dch vu Tin hoc TP.HCM (AISC)
- Lai sau thue TNDN: 385.906.275.492 VN
4. KIEM TOAN VIEN OC LAP
Cong ty TNHH Kiem toan va Dch vu Tin hoc TP.HCM (AISC) c ch nh kiem toan Bao cao
tai chnh hp nhat cho nien o ket thuc ngay 31 thang 12 nam 2010 cua Ngan hang.
5. CAM KET CUA BAN TONG GIAM OC
Ban Tong Giam oc Ngan hang chu trach nhiem lap cac bao cao tai chnh hp nhat the hien
trung thc va hp ly tnh hnh tai chnh cua Ngan hang tai ngay 31 thang 12 nam 2010, ket qua
hoat ong kinh doanh va cac luong lu chuyen tien te cho nien o ket thuc cung ngay. Trong
viec soan lap cac bao cao tai chnh nay Ban Tong Giam oc a xem xet va tuan thu cac van
e sau ay:
Chon la cac chnh sach ke toan thch hp va ap dung mot cach nhat quan;
Thc hien cac xet oan va c tnh mot cach hp ly va than trong;
Bao cao tai chnh c lap tren c s hoat ong lien tuc, tr trng hp khong the gia
nh rang Ngan hang se tiep tuc hoat ong lien tuc.
Ban Tong Giam oc chu trach nhiem am bao rang cac so sach ke toan thch hp a c
thiet lap va duy tr e the hien tnh hnh tai chnh cua Ngan hang vi o chnh xac hp ly tai
moi thi iem va lam c s e soan lap cac bao cao tai chnh phu hp vi che o ke toan c
neu Thuyet minh cho cac Bao cao tai chnh. Ban Tong Giam oc cung chu trach nhiem oi
vi viec bao ve cac tai san cua Ngan hang va thc hien cac bien phap hp ly e phong nga
va phat hien cac hanh vi gian lan va cac vi pham khac.
6. XAC NHAN
Theo y kien cua Ban Tong Giam oc, chung toi nhan thay rang cac Bao cao tai chnh hp nhat
bao gom Bang can oi ke toan hp nhat, Bao cao ket qua hoat ong kinh doanh hp nhat, Bao
cao lu chuyen tien te hp nhat va cac thuyet minh nh kem c soan thao a the hien quan
iem trung thc va hp ly ve tnh hnh tai chnh va ket qua hoat ong kinh doanh va cac luong
lu chuyen tien te cua Ngan hang cho nien o ket thuc ngay 31 thang 12 nam 2010.
Bao cao tai chnh hp nhat cua Ngan hang c lap phu hp vi chuan mc va che o ke toan
cua Ngan hang Nha nc Viet Nam hien hanh va cac quy nh phap ly co lien quan.
TP. Ho Ch Minh, ngay 24 thang 02 nam 2011
Thay mat Ban Tong Giam oc
Phan Thanh Long

Tong Giam oc
VIT NAM TN NGHA NGN HNG | BO CO TH NG NIN 2010
42
bo co kim ton
BAO CAO KIEM TOAN VE BAO CAO TAI CHNH HP NHAT

CHO NIEN O KET THUC NGAY 31 THANG 12 NAM 2010
NGAN HANG THNG MAI CO PHAN VIET NAM TN NGHA
Knh gi: Hoi ong Quan tr

Ban Tong Giam oc
Ngan hang Thng Mai Co Phan Viet Nam Tn Ngha
Chung toi a kiem toan cac bao cac tai chnh hp nhat cua Ngan hang Thng Mai Co Phan Viet
Nam Tn Ngha, di ay goi la Ngan hang, gom bang can oi ke toan hp nhat tai ngay 31 thang
12 nam 2010, bao cao ket qua kinh doanh hp nhat, bao cao lu chuyen tien te hp nhat va thuyet
minh bao cao tai chnh hp nhat cho nien o ket thuc cung ngay, c lap ngay 20 thang 01 nam
2011 t trang 05 en trang 39 kem theo.
Viec lap va trnh bay cac Bao cao tai chnh hp nhat nay thuoc ve trach nhiem cua Ban Tong Giam
oc Ngan hang. Trach nhiem cua chung toi la can c vao viec kiem toan, e hnh thanh mot y kien
oc lap ve cac bao cao tai chnh hp nhat nay.
Bao cao tai chnh rieng cua Ngan hang nam 2009 c kiem toan bi Cong ty kiem toan khac. Kiem
toan vien cua Cong ty kiem toan nay a a ra Bao cao kiem toan vao ngay 17 thang 03 nam 2010
co dang y kien chap nhan toan bo.
C s y kien
Chung toi a thc hien viec kiem toan theo cac chuan mc kiem toan Viet Nam. Cac chuan mc nay
yeu cau cong viec kiem toan lap ke hoach va thc hien e co s am bao hp ly rang Bao cao tai
chnh khong con cha ng cac sai sot trong yeu. Chung toi a thc hien viec kiem tra theo phng
phap chon mau va ap dung cac th nghiem can thiet, cac bang chng xac minh nhng thong tin trong
Bao cao tai chnh; anh gia viec tuan thu cac chuan mc va che o ke toan hien hanh, cac nguyen
tac va phng phap ke toan c ap dung, cac c tnh va xet oan quan trong cua Ban Tong Giam
oc Ngan hang cung nh cach trnh bay tong quat cac Bao cao tai chnh. Chung toi cho rang cong
viec kiem toan a a ra nhng c s hp ly e lam can c cho y kien cua Chung toi.
Y kien cua kiem toan vien
Theo y kien cua chung toi, xet tren cac kha canh trong yeu, cac bao cao tai chnh hp nhat a phan
anh trung thc va hp ly tnh hnh tai chnh cua Ngan hang vao ngay 31 thang 12 nam 2010 cung
nh ket qua hoat ong kinh doanh va cac luong lu chuyen tien te cua Ngan hang cho nien o ket
thuc cung ngay, phu hp vi chuan mc va che o ke toan cua Ngan hang Nha nc Viet Nam hien
hanh va cac quy nh phap ly co lien quan.

Tp. HCM, ngay 24 thang 2 nam 2011

Kiem toan vien
KT. Tong Giam oc

Pho Tong Giam oc
au Nguyen Ly Hang
Pham Th Hong Uyen
Chng ch KTV so: 1169/KTV

Do Bo Tai Chnh Viet Nam cap.
Chng ch KTV so: 0794/KTV
43
bng cn i k ton (hp nht)

Nin kt thc ngy 31/12/2010
n v tnh: VND
Thuyet
minh
A. Tai san
I. Tien mat, vang bac, a quy
V.1
II. Tien gi tai ngan hang Nha nc
V.2
III. Tien, vang gi tai cac TCTD khac

va cho vay cac TCTD khac
1. Tien, vang gi tai cac TCTD
khac
IV. Chng khoan kinh doanh
V.3
V.4
- Chng khoan kinh doanh

- D phong giam gia chng khoan kinh doanh
V. Cac cong cu tai chnh phai sinh va
cac tai san tai chnh khac
VI. Cho vay khach hang
1. Cho vay khach hang
V.5
2. D phong rui ro tn dung khach
V.6
hang
VII. Chng khoan au t
V.7
1. Chng khoan au t san sang
e ban
2. Chng khoan au t gi en ngay ao han
VIII. Gop von, au t dai han
V.8
1. au t vao cong ty con

2. au t dai han khac
3. D phong giam gia au t dai
han
IX. Tai san co nh
1. Tai san co nh hu hnh
V.9
- Nguyen gia TSC

- Hao mon TSC
2. Tai san co nh vo hnh
V.10
- Nguyen gia TSC

- Hao mon TSC
X. Bat ong san au t
XI. Tai san Co khac
V.11
1. Cac khoan phai thu

2. Cac khoan lai, ph phai thu
3. Tai san thue TNDN hoan lai
4. Tai san Co khac
Tong cong tai san Co
31/12/2010
01/01/2010
829,385,637,516
52,761,084,810
1,288,331,189,108
210,016,284,086
3,187,030,566,679
1,544,510,271,858
3,187,030,566,679
1,544,510,271,858
38,502,330,000
44,836,280,000
72,195,195,714
53,445,846,045
(33,692,865,714)
(8,609,566,045)
25,993,284,059,671
9,554,297,749,160
26,233,278,491,571
9,644,746,630,670
(239,994,431,900)
(90,448,881,510)
6,400,226,236,763
-
3,504,947,164,279
-
6,400,226,236,763
3,504,947,164,279
25,210,430,000
-
20,612,430,000
-
25,210,430,000
-
20,612,430,000
-
193,600,055,461
151,580,669,146
93,073,427,616
53,633,135,426
119,761,217,190
69,314,864,334
(26,687,789,574)
(15,681,728,908)
100,526,627,845
97,947,533,720
101,220,701,808
98,058,728,232
(694,073,963)
-
(111,194,512)
-
8,458,346,191,434
856,577,224,518
5,169,463,853,190
497,038,996,097
2,171,259,286,393
-
302,723,136,714
-
1,117,623,051,851
56,815,091,707
46,413,916,696,632
15,940,139,157,857
44

Thuyet
minh
B. N phai tra va von chu s hu
31/12/2010
01/01/2010
10,388,578,627,128
3,544,124,652,717
10,188,569,027,128
3,500,080,652,717
200,009,600,000
44,044,000,000
25,546,043,944,216
6,642,224,922,260
IV. Cac cong cu tai chnh phai sinh va

cac khoan n tai chnh khac
V. Von tai tr, uy thac au t, cho vay

TCTD chu rui ro
5,473,436,552,896
1,838,462,664,100
1,103,837,740,997
297,880,181,448
1,017,449,734,220
-
246,952,388,147
-
85,880,630,904
50,644,950,158
507,375,873
282,843,143
3,902,019,831,395
3,617,446,737,332
3,399,018,103,026
3,399,018,103,026
3,399,006,000,000
3,399,006,000,000
12,103,026
12,103,026
-
- Co phieu quy
- Co phieu u ai
- Von khac
46,712,629,296
-
18,326,964,518
-
456,289,099,073
200,101,669,788
385,906,275,492
182,229,464,389
70,382,823,581
17,872,205,399
46,413,916,696,632
15,940,139,157,857
I. Cac khoan n Chnh phu va NHNN

II. Tien gi va vay cac TCTD khac
V.12
1. Tien gi cua TCTD khac

2. Vay cac TCTD khac
III. Tien gi cua khach hang
V.13
VI. Phat hanh giay t co gia
V.14
VII. Cac khoan n khac
V.15
1. Cac khoan lai, ph phai tra

2. Thue TNDN hoan lai phai tra
3. Cac khoan phai tra va cong n
khac
4. D phong rui ro khac (D
phong cho cong n tiem an va
cam ket ngoai bang)
VIII. Von va cac quy
V.16
1. Von cua TCTD

- Von ieu le
- Von au t XDCB
- Thang d von co phan
2. Quy cua TCTD

3. Chenh lech ty gia hoi oai
4. Chenh lech anh gia lai tai san
5. Li nhuan cha phan phoi/ Lo
luy ke
- Li nhuan / lo nam nay
- Li nhuan / lo luy ke nam
trc
Tong N phai tra va Von Chu s hu
45

CAC CH TIEU NGOAI BANG CAN OI KE TOAN
Thuyet
minh
Ch tieu
I. Ngha vu n tiem an
V.29
1. Bao lanh vay von

2. Cam ket trong nghiep vu L/C
3. Bao lanh khac
II. Cac cam ket a ra
31/12/2010
01/01/2010
49,072,465,338
49,548,121,350
23,627,442,920
12,914,111,210
22,011,561,941
31,865,691,320
3,433,460,477
4,768,318,820
-
3,515,183,701,760
-
1. Cam ket tai tr cho khach hang

2. Cam ket khac
3,515,183,701,760
Tp.HCM, ngay 20 thang 01 nam 2011

Ngi lap bang
Ke toan trng
Nguyen Kim Hang
Nguyen Van Hung
Tong Giam oc
Phan Thanh Long
46
kt qu hot ng kinh doanh (hp nht)

n v tnh: VND
Thuyet
minh
Ch tieu
1. Thu nhap lai va cac khoan thu nhap
tng t
2. Chi ph lai va cac khoan chi ph tng
t
VI.17
VI.18
I. Thu nhap lai thuan
Nam 2010
3,971,365,568,082
2,950,085,267,330
1,021,280,300,752
3. Thu nhap t hoat ong dch vu
VI.19
4. Chi ph hoat ong dch vu
VI.19
II. Lai/lo thuan t hoat ong dch vu

III. Lai/lo thuan t hoat ong kinh doanh
VI.20
ngoai hoi
IV. Lai/lo thuan t mua ban chng khoan kinh
doanh
V. Lai/lo thuan t mua ban chng khoan
au t
5. Thu nhap t hoat ong khac
VI.22
6. Chi ph hoat ong dch vu khac
VI.22
VI. Lai/lo thuan t hoat ong khac

VII. Thu nhap t gop von, mua co phan
VI.21
VIII. Chi ph hoat ong
VI.23
IX. Li nhuan thuan t hoat ong kinh

doanh trc chi ph d phong rui ro tn
dung
X. Chi ph d phong rui ro tn dung
XI. Tong li nhuan trc thue
7. Chi ph thue TNDN hien hanh
VI.24
8. Chi ph thue TNDN hoan lai

XII. Chi ph thue TNDN
XIII. Li nhuan sau thue
XIV. Li ch cua co ong thieu so
XV. Lai c ban tren co phieu
Nguyen Van Hung
Nguyen Kim Hang

6,067,317,581
1,302,320,886,250
892,013,175,576
410,307,710,674
8,869,299,565
1,791,919,557
4,808,340,312
7,077,380,008
(110,971,592,848)
(9,919,602,080)
98,248,672,898
(156,413,343)
52,689,248,561
114,933,281,886
24,850,230,545
1,290,297,371
(62,244,033,325)
23,559,933,174
2,710,446,200
3,515,197,250
288,393,925,282
119,259,606,885
665,438,208,707
315,124,598,798
151,707,437,470
61,972,224,119
513,730,771,237
253,152,374,679
62,409,294,357
127,824,495,745
-
127,824,495,745
62,409,294,357
385,906,275,492
-
190,743,080,322
1,616
1,135
Ke toan trng
Ngi lap bang
10,875,657,893
Nam 2009

Tong Giam oc
Phan Thanh Long
47
bo co lu chuyn tin t (hp nht)

n v tnh: VND
STT
Thuyet
minh
Ch tieu
Nam 2010
Nam 2009
2,102,829,418,403
1,159,060,028,502
(2,179,587,921,257)
(780,915,016,578)
4,808,340,312
7,077,380,008
(12,722,919,950)
(1,310,036,035)
Lu chuyen tien t hoat ong kinh

doanh
01
02
03
Thu nhap lai va cac khoan thu

nhap tng t nhan c
Chi ph lai va cac chi ph tng t
a tra
Thu nhap t hoat ong dch vu
nhan c
04
Chenh lech so tien thc thu/thc

chi t hoat ong kinh doanh (ngoai
te, vang bac, chng khoan)
05
Thu nhap khac
06
Tien thu cac khoan n a c x

ly xoa,bu ap bang nguon rui ro
07
Tien chi tra cho nhan vien va hoat

ong quan ly, cong vu
(65,675,789,773)
Tien thue thu nhap thc nop trong

ky
Lu chuyen tien thuan t hoat ong kinh
doanh trc nhng thay oi ve tai san va
von lu ong
08
3,437,354,350
(251,875,449,743)
(115,226,653,661)
18,948,107,147
3,248,856,659
(115,698,790,818)
(39,322,265,047)
(514,013,621,319)
251,088,263,838
(819,223,200,000)
(788,000,000,000)
(2,888,945,122,484)
(3,486,124,032,524)
Nhng thay oi ve tai san hoat ong

09
(Tang)/ Giam cac khoan tien, vang

gi va cho vay cac TCTD khac
10
(Tang)/ Giam cac khoan ve kinh

doanh chng khoan
11
(Tang)/ Giam cac cong cu tai chnh

phai sinh va cac tai san tai chnh
khac
12
(Tang)/ Giam cac khoan cho vay

khach hang
13
Giam nguon d phong e bu ap

ton that cac khoan
14
(Tang)/ Giam khac ve tai san hoat

ong
(16,588,531,860,901)
(5,710,416,032,959)
(1,937,354,350)
(5,733,299,080,662)
(393,947,538,728)
Nhng thay oi ve cong n hoat ong

15
Tang/ (Giam) cac khoan n chnh

phu va NHNN
16
Tang/ (Giam) cac khoan tien gi,

tien vay cac to chc tn dung
6,844,453,974,411
2,070,708,929,015
18,903,819,021,956
4,515,511,717,252
3,634,973,888,796
1,144,120,646,100
17
18
Tang/ (Giam) tien gi cua khach

hang (bao gom ca Kho bac Nha
nc)
Tang/ (Giam) phat hanh giay t co
gia (ngoai tr giay t co gia phat
hanh c tnh vao hoat ong tai
chnh)
48
bo co lu chuyn tin t (hp nht)

19
20
Tang/ (Giam) von tai tr, uy thac

au t, cho vay ma TCTD chu rui
ro
Tang/ (Giam) cac cong cu tai chnh
phai sinh va cac khoan n tai
chnh khac
21
Tang/ (Giam) khac ve cong n

hoat ong
(1,328,784,889)
26,203,091,811
22
Chi t cac quy cua TCTD
(6,761,373,129)
(6,013,286,478)
2,829,206,487,429
(2,376,868,242,673)
(54,659,949,878)
(133,739,212,324)
2,301,373,886
Lu chuyen tien thuan t hoat

ong kinh doanh
Lu chuyen tien t hoat ong au t

1
Mua sam tai san co nh
Tien thu t thanh ly, nhng ban

TSC
458,727,272
Tien chi t thanh ly, nhng ban

TSC (*)
(464,325,174)
6
II
Tien chi au t, gop von vao cac

n v khac (Chi au t mua cong
ty con, gop von lien doanh, lien ket,
va cac khoan au t dai han khac)
Tien thu au t, gop von vao cac
n v khac (Thu ban, thanh ly
cong ty con, gop von lien doanh,
lien ket, cac khoan au t dai han
khac)
Tien thu co tc va li nhuan c
chia t cac khoan au t, gop von
dai han
ong au t
(4,598,000,000)
(2,725,430,000)
2,710,446,200
3,515,197,250
(56,553,101,580)
(130,648,071,188)
2,832,505,000,000
(94,416,833,300)
(94,416,833,300)
2,832,505,000,000
2,678,236,552,549
324,988,686,139
859,287,640,754
534,298,954,615
3,537,524,193,303
859,287,640,754
Lu chuyen tien t hoat ong tai chnh

1
2
III
IV
V
VI
VII
Tang von co phan t gop von va/

hoac phat hanh co phieu
Co tc tra cho co ong, li nhuan
a chia
ong tai chnh
Lu chuyen tien thuan trong ky
Tien va cac khoan tng ng
tien tai thi iem au ky
ieu chnh anh hng cua thay
oi ty gia
Tien va cac khoan tng ng
tien tai thi iem cuoi ky
VII.25

Ngi lap bang
Ke toan trng
Nguyen Kim Hang
Nguyen Van Hung

Tong Giam oc
Phan Thanh Long
49
VIT NAM TN NGHA NGN HNG

50-52 Phm Hng Thi - Phng Bn Thnh, Qun 1 - Tp. H Ch Minh
Tel: (08) 3827 9797, Fax: (08) 3824 5599
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Baocaothuongnien2010 TinNghiaBank

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Hi s

VIT NAM TN NGHA NGN HNG

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

Chng ti tin tng rng s

m 2010, Vit Nam vn phi i mt vi nhiu kh khn

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

Trong hon cnh kh khn ca nn kinh t th

Vi nh hng ng n ca Chnh ph, cc

VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010

m 2010, bn cnh nhng n lc hp tc gia cc nc

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

Vt qua nhng kh khn chung ca nn kinh

c s tng trng kh tt. Tng ngun vn

VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010

7. V lao ng - tin lng:

Nhm p ng nhu cu nhn s phc v cng

Trong nm 2010, TinNghiabank hon thnh

Trnh chuyn mn ca lc lng lao ng

Trin khai online ton h thng, cung cp cc

11. V hot ng Cng on:

Thng hiu TinNghiabank cn kh mi m trn

Thng qua T chc Cng on c s thc

Thc hin qung b tt cc chng trnh huy

Trong nm, nhiu chng trnh, hot ng

VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010

tn ti v cn nhng gii php thc hin

phn u hon thnh cc mc tiu kinh

- Mng li cha n c mt s th trng

1. Nng cao nng lc qun tr, iu hnh

- Yu cu ngun nhn lc c cht lng phc v

2. Thit lp v vn hnh c hiu qu h

- Sn phm dch v cha c s a dng.

3. Xy dng v pht trin vn ha doanh

- Thu nhp t hot ng dch v vn cn chim

Trn c s nhng nn tng xy dng trong

3. Tng ngun vn huy ng l 48.000 t

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010

Trnh chuyn mn:

Trnh chuyn mn:

Qu trnh cng tc:

10/2008 - nay: Ch tch HQT ti Vit Nam Tn

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

Trnh chuyn mn:

Qu trnh cng tc ti TinNghiabank:

Qu trnh cng tc ti TinNghiabank:

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

ban kim sot

ng Hunh Thanh Phong

ng Nguyn Trng Cng

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

ng Hong Minh Hon - Ph Tng Gim c

ng Nguyn Quang Mi - Ph Tng Gim c

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

ng Phm Quang Thnh - Ph Tng Gim c

ng Nguyn Vn Hng - K ton trng

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

VIT NAM TN NGH A NGN HNG | BO CO THNG NIN 2010

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

Li nhun trc thu

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010

VIT NAM TN NGHA NGN HNG | BO CO THNG NIN 2010