Annual Report 2014 - AnBinh Bank

BO CO THNG NIN
2014
02
03
BO CO THNG NIN 2014
NI DUNG
04 TM NHN, S MNH
06 THNG IP CA CH TCH HI NG QUN TR
08 THNG IP CA TNG GIM C
10 GII THIU V ABBANK
28 BO CO CA HI NG QUN TR
32 BO CO CA BAN IU HNH
50 T CHC V NHN S
54 THNG TIN C NG V QUN TR NGN HNG
58 PHT TRIN THNG HIU V HOT NG X HI
62 BO CO TI CHNH
78 MNG LI CHI NHNH/PHNG GIAO DCH
04
TM NHN
Tr thnh Ngn hng thng mi c phn hng u Vit Nam tp trung vo lnh vc bn l.
S MNH
Cung cp cc gii php ti chnh thn thin, hiu qu v ph hp vi nhu cu ca khch hng.
05
BO CO THNG NIN 2014
06
THNG IP CA
CH TCH HI NG QUN TR
07
BO CO THNG NIN 2014
Knh tha Qu v,
Nm 2014 l mt nm nhiu thch thc v kh khn i
vi nn kinh t Vit Nam. Mc d vy, kinh t v m Vit
Nam c nhng chuyn bin tch cc nh: tng trng
kinh t cao hn so vi 2013, lm pht c kim ch, t
gi th trng ngoi t n nh. Cng vi , h thng
ngn hng Vit Nam cng tin hnh nhng ci t mnh
m, sn sng n nhn vn hi mi.
Vi nhng bin chuyn kh quan t h thng, nm 2014,
Ngn hng Thng Mi C Phn An Bnh (ABBANK)
n lc trong cng tc kin ton b my, m bo
hot ng an ton v t c nhng thnh tu nht
nh. n cui nm 2014, Tng ti sn ca ABBANK t
67.465 t ng, tng 17%; Huy ng t 60.911 t ng,
tng 20%; Cho vay t 42.633 t ng, tng 14% so vi
cui nm 2013. c bit, ABBANK kim sot cht
ch n xu, thc hin thu hi thnh cng, gim n xu
xung mc 2,75% l kt qu n tng trong bi cnh nn
kinh t v cc doanh nghip cn gp nhiu kh khn.
Nm 2014 c ngha quan trng bn l trong tin trnh
t ti cu trc ca ABBANK. ABBANK xc nh r
rng v ban hnh Tm nhn, S mnh, cc Mc tiu
chin lc n nm 2018, cng vi cc sng kin nhm
hin thc ha nh hng tr thnh Ngn hng Thng
Mi C Phn (TMCP) hng u Vit Nam tp trung
vo lnh vc bn l. y l mt chng trnh hnh ng
xuyn sut mang tnh chin lc, ng b v bao qut
hu ht cc lnh vc hot ng ca ABBANK, c xy
dng v tng bc to ra s chuyn bin mnh m trong
nhn thc v vn hnh ca ton h thng. T nhn thc
n hnh ng, cc hot ng then cht trong nm 2014
ch trng n xy dng, cng c v tng cng cc yu
t nn tng ca ABBANK nh pht trin i ng nhn s
cht lng cao, c bit l lc lng nhn s k tha; hin
i ha h thng cng ngh thng tin m bo tiu ch an
ton, n nh v hiu qu; y mnh nng lc bn hng;
tng cng qun l ri ro, qun tr ngn hng theo cc quy
nh ca Ngn Hng Nh Nc Vit Nam (NHNNVN)
v tiu chun quc t.
Nm 2014 cng l nm nh du bc tin mi su
rng hn ca ABBANK trong mi quan h hp tc vi
c ng chin lc nc ngoi Malayan Banking Berhad
(Maybank), T chc Ti chnh Quc t (IFC), Tp on
in lc Vit Nam (EVN) thng qua cc chng trnh
h tr, t vn nng cao cht lng dch v cho Doanh
nghip va v nh; kt ni h thng ATM gia Maybank

v ABBANK, cung cp cc dch v ngn hng...
Tha Qu v,
Nm 2015, nn kinh t c nhng tn hiu tch cc,
lc quan hn; h thng Ngn Hng Thng Mi Vit
Nam (NHTMVN) tng bc c cng c, ABBANK
ang ng trc cc mc tiu mang tnh thch thc
v nhng c hi pht trin ln. Hi ng Qun tr
ABBANK ch trng tip tc kin tr vi nh hng
hot ng CNG C NI LC TNG TRNG
BN VNG, u tin pht trin yu t nn tng lm c
s phc v hot ng kinh doanh, tun th cc quy nh
ca Php lut v NHNNVN. Nm 2015 s l nm th
hai trong l trnh 05 nm thc thi cc mc tiu v sng
kin chin lc. y cng chnh l c hi ABBANK
xy dng, cng c v pht huy ti a mi ngun lc ca
h thng, t nhn s, cng ngh thng tin, mng li,
vn hnh nhm to ra sc bt mi trong nm 2015
cng nh to nn tng vng chc cho s pht trin ca
ABBANK trong nhng nm tip theo.
Trn c s cc thnh tu ABBANK t c trong
nhng nm va qua, cng vi tr tu, s on kt v
quyt tm ca Hi ng Qun tr, Ban iu hnh cng
ton th Cn b nhn vin; s ng h v hp tc ca C
ng v i tc, ti tin tng ABBANK ang c ngun
lc ln, mnh m sn sng bc vo nm 2015 vi tm
th vng vng, t tin v y ni lc, a ABBANK n
gn hn vi mc tiu tr thnh Ngn hng TMCP hng
u Vit Nam, tp trung vo lnh vc bn l.
Thay mt Hi ng Qun tr ABBANK, ti xin gi li
cm n su sc n Qu v C ng, Qu v Khch hng
v cc i tc lun tin tng v ng hnh cng
ABBANK trong sut chng ng va qua. Knh chc
Qu v mt nm An khang, Thnh vng v Thnh cng!
Trn trng,
V Vn Tin
Ch tch HQT ABBANK
08
THNG IP CA TNG GIM C
09
BO CO THNG NIN 2014
Knh tha Qu v,
Kt thc nm 2014, nn kinh t Vit Nam dn khc
phc c nhng kh khn v c nhng tn hiu khi sc,
nhng bt n ca kinh t v m c kim sot v nn
kinh t dn i vo qu o tng trng. Tuy cn nhiu
thch thc nhng cc iu kin kinh t v m thun li
chnh l c hi hot ng ngn hng trong nm 2014
bc u gt hi nhng kt qu kh quan.
hnh cng cc bin php kim sot cht ch cht lng tn

dng v quyt tm x l n, ABBANK cng ch ng trch
lp d phng ri ro tn dng theo yu cu v hng dn
ca NHNNVN.
Trong bi cnh chung , hot ng kinh doanh ca

ABBANK nm 2014 c nh gi c nhiu im sng ni
bt. Ngy 18/03/2014, Hi ng Qun tr chnh thc ph
duyt Tm nhn, S mnh, Mc tiu v 20 sng kin chin
lc ca ABBANK n nm 2018, m u cho chui
chng trnh mang tn ABBANK Kht vng & Mc
tiu. 22 d n chin lc thuc cc lnh vc khch hng,
vn hnh, nhn s, cng ngh thng tin, mng li, vi
k hoch thc thi c th c xc nh vi k vng xy
dng hnh nh mt ABBANK hiu qu, chuyn nghip v
hin i hn. Cng vi cc hot ng truyn thng su
rng, ln u tin chng trnh to ra hiu ng trong
nhn thc ca CBNV ton hng v Chin lc bn l ca
ABBANK. Trong kh th , cc ch tiu ti chnh trng yu
ca ABBANK nm 2014 u th hin sc bt tt, vt mc
k vng t ra t u nm. Tng ti sn ca ABBANK n
cui nm 2014 t 67.465 t ng, tng 17% so vi nm
2013 v tng gn 47% so vi nm 2012, vi s gia tng v
cht v lnh mnh ha trong danh mc ti sn. D n cho
vay hon thnh 104% k hoch v tng 14% so vi nm
2013. Cng tc tn dng trong nm 2014 tip tc c
ABBANK ch trng pht trin theo chiu su, cng tc
thm nh v gim st tn dng c tng cng mnh m
nhm kim sot tt cc khon vay. Ngoi ra, ngun vn u
vo lin tc c huy ng v cng c qua cng tc chm
sc mng li khch hng hin hu v m rng khch
hng mi c chn lc. Kt qu ABBANK hon thnh
110% k hoch huy ng v tng 20% so vi nm 2013, vi
chi ph c kim sot mc hp l. Thu nhp thun t
dch v t 128,5 t ng, tng 19% so vi nm 2013. Trong
qu trnh hot ng, ABBANK lun xc nh lnh vc dch
v l hng ch o gp phn gia tng tnh bn vng trong
c cu thu nhp.
Trc nhng tn hiu khi sc ca nn kinh t, ABBANK

s tp trung ton lc nhm kin ton c cu t chc ng
thi tng trng kinh doanh theo ng nh hng ca
Hi ng Qun tr trong nm 2015. Trong , 05 Mc tiu
chin lc v Tm nhn tr thnh Ngn hng TMCP hng
u Vit Nam tp trung vo lnh vc bn l s l kim ch
nam cho mi hnh ng. Bn cnh cc chng trnh thc
y kinh doanh, tng cng v a dng ha ngun thu t
dch v, ABBANK xc nh ch trng hn na cng tc
qun tr ri ro cng nh chun ha cc hot ng ca h
thng theo cc chun mc quc t. Cng tc x l n, kim
sot cht ch danh mc tn dng v ngn nga n xu pht
sinh tip tc l mi quan tm hng u.
Tip ni thnh cng nm 2013, cng tc x l n xu nm

2014 tip tc c ABBANK u tin v y mnh thng
qua hng lot cc bin php. n cui nm 2014, t l n
xu c kim sot mc 2,75% m bo yu cu ca
NHNNVN - y cng c nh gi l mt thnh cng v
n lc rt ng khch l ca ton h thng ABBANK. Song
Tha Qu v,
Vi nn tng vng chc hin nay, ton h thng ABBANK

sn sng ng lng v quyt tm hon thnh ch tiu k
hoch kinh doanh nm 2015 tip tc tng trng n
nh v bn vng.
Thay mt Ban iu hnh v CBNV ABBANK, ti xin gi
li cm n su sc ti Hi ng Qun tr, C ng, cc
i tc v Qu v khch hng lun ng h v tn nhim
ABBANK trong sut thi gian qua. Ti tin tng rng,
ABBANK s tip tc ghi du thm nhiu thnh tu to ln
v bn vng vi s ng hnh ca tt c Qu v.
Knh chc Qu v Sc khe, Hnh phc v Thnh cng!
Trn trng,
Phm Duy Hiu

Tng Gim c ABBANK
10
GII THIU V ABBANK
QU TRNH PHT TRIN
VN IU L 1 T NG
VN IU L 2.705 T NG
Ngn hng Thng mi c phn An
Bnh (ABBANK) c thnh lp theo
giy php s 535/GP-UB do UBND
TP.HCM cp vo ngy 13 thng 5
nm 1993.
VN IU L 1.131 T NG
ABBANK trin khai thnh cng

phn mm ngn hng li (Core
Banking), a vo hot ng trn
ton h thng.
Maybank chnh thc tr thnh C
ng chin lc nc ngoi ca
ABBANK vi t l s hu c phn
l 15%.
ABBANK tng vn iu l ln 1.131

t ng.

t ng.
1993
2004
2005
2006
2007
2008
VN IU L 165 T NG
C s gia nhp ca cc C ng
chin lc trong nc: Tp on in
lc Vit Nam (EVN), Cng ty C
phn xut nhp khu tng hp H
Ni (Geleximco), Tng cng ty ti
chnh Du kh (PVFC). Vn iu l
ABBANK t 165 t ng.
VN IU L 2.300 T NG
ABBANK tng vn ln 2.300 t ng,

tng ti sn vt ngng 1 t USD
(hn 16.000 t ng).
VN IU L 70,04 T NG
T mt ngn hng nng thn,
ABBANK c nng cp thnh ngn
hng quy m th v c nhng
bc tin kh di.
T vn iu l 5 t ng nm 2002,
n nm 2004 ABBANK c vn
iu l 70,04 t ng.
11
BO CO THNG NIN 2014
VN IU L 4.800 T NG
VN IU L 3.831 T NG
ABBANK pht hnh thnh cng
tri phiu chuyn i vi tng
mnh gi 600 t ng cho T chc
Ti chnh Quc t (IFC) v ngn
hng Maybank. Maybank tip tc
duy tr t l s hu c phn 20% ti
ABBANK.
ABBANK cng b Tm nhn, S

mnh, Mc tiu v cc Sng kin
chin lc giai on 2014-2018.
VN IU L 4.200 T NG
Thng 12/2014, ABBANK vinh d

l mt trong 4 ngn hng u tin
ca Vit Nam trin khai dch v
Chuyn khon lin quc gia.

t ng.
Mng li ABBANK t hn 140 im
giao dch ti 29 tnh/ thnh trn ton
quc.
2009
2010
2011
2012
2013
2014
VN IU L 4.800 T NG
VN IU L 4.200 T NG

t ng.
Ngy 26/04/2013 ABBANK tng vn iu

l ln gn 4.800 t ng, IFC chnh thc
tr thnh C ng ln ca ABBANK, s
hu 10% vn iu l; ngn hng Malaysia
- Maybank duy tr t l s hu 20%, tip
tc gi vai tr C ng chin lc ca
ABBANK.
Ngy 28/05/2013, ABBANK long trng t
chc L k nim 20 nm thnh lp Ngn
hng ti H Ni.
VN IU L 3.482 T NG
Vn iu l ca ABBANK tng ln
2.850 t ng vo thng 7/2009 v
t 3.482 t ng vo cui nm 2009.
Maybank nng t l s hu c phn
t 15% ln 20% vo cui nm 2009.
12
GII THIU V ABBANK
NGNH NGH KINH DOANH
Lnh vc hot ng chnh ca ABBANK l huy ng
vn ngn hn, trung hn, di hn di cc hnh thc
tin gi, chng ch tin gi, tip nhn vn u thc u
t v pht trin ca cc t chc; vay vn ca Ngn hng
Nh nc v cc t chc tn dng, t chc kinh t khc:
cho vay ngn hn, trung hn, di hn nhm mc ch
pht trin kinh t; chit khu thng phiu, tri phiu
v cc giy t c gi; gp vn v lin doanh; cung cp
dch v thanh ton, dch v ngn qu v cc dch v
ngn hng khc.
GII THIU CHUNG V NGN HNG

Ngn hng Thng Mi C Phn An Bnh (ABBANK)
c thnh lp nm 1993, n nay, vi b dy 21 nm
kinh nghim hot ng ti th trng ti chnh ngn
hng Vit Nam, ABBANK c vn iu l t gn 4.800 t
ng v c nh gi l mt trong nhng ngn hng c
s pht trin mnh m v bn vng trong h thng.
nh hng kinh doanh theo quan im bn vng, cc
ch tiu ti chnh ca ABBANK lun tng trng n
nh, cc ch tiu m bo an ton u c gi vng.
Bn cnh , cng s st cnh v h tr ca cc c ng
l cc tp on kinh t ln trong v ngoi nc nh: Tp
on in lc Vit Nam (EVN); Cng ty c phn Xut
nhp khu Tng hp H Ni (Geleximco); Ngn hng ln
nht Malaysia - Maybank v T chc ti chnh quc t
(IFC), ABBANK c ngun lc ti chnh vng mnh v c
cu qun tr theo nhng thng l quc t tt nht, t tin
pht trin theo nh hng tr thnh Ngn hng TMCP
hng u ti Vit Nam, tp trung vo lnh vc bn l.
Vi mng li 146 im giao dch, ABBANK t ho phc
v gn 506.200 khch hng c nhn v hn 20.000 khch
hng doanh nghip ti 29 tnh/ thnh trn ton quc.
i vi nhm khch hng doanh nghip, ABBANK cung
ng cc sn phm - dch v ti chnh ngn hng trn gi,
p ng nhiu nhu cu a dng ca khch hng nh: ti
tr (nhp khu/ xut khu, d n u t, ti tr thng
mi); cho vay (b sung vn kinh doanh tr gp, cm
c hng ha); bo lnh; thanh ton quc t v cc sn
phm tin gi (ti khon thanh ton, tin gi rt vn linh
hot, tin gi k qu v.v).
c bit, xc nh phn khc khch hng chin lc l
doanh nghip va v nh (SME), ABBANK xy dng
gi gii php ti chnh ti u cho SME v l mt trong
nhng ngn hng u tin thnh lp Trung tm dch v
khch hng SME nhm phc v ring cho nhm khch
hng ny vi s t vn v h tr kinh nghim t c ng
nc ngoi IFC vo nm 2012. Ti ABBANK, khch hng
SME s c t vn v cung cp trn gi sn phm bao
gm ton b cc sn phm dch v ngn hng t tin vay,
bo lnh, tin gi n cc dch v thanh ton quc t, qun
l tin t... Cc sn phm trong mi gi sn phm c

chn lc theo loi hnh hot ng ca doanh nghip (kinh
doanh trong nc hay xut nhp khu; doanh nghip sn
xut hay thng mi, dch v; nh thu), sau s c
cu trc li ph hp vi c im ring ca mi doanh
nghip (tnh hnh ti chnh, chu k pht trin, phng thc
kinh doanh) cng vi mt mc gi trn gi hp l gip
ti a ha hiu qu ti chnh cho doanh nghip. Bn cnh
, ABBANK cn tham gia d n SMEFP III do chnh ph
Nht Bn ti tr, cng nh thng xuyn trin khai cc
gi u i nhm p ng nhu cu vay vn trung v di hn
ca doanh nghip va v nh. Vi hiu qu tch cc trong
vic gii ngn vn cho SME, nm 2014, ABBANK tip tc
c Ngn hng Nh nc tng hn mc tham gia d n
SMEFP III ln 200 t ng.
Vi nhm khch hng c nhn, ABBANK t tin cung cp
ti khch hng cc sn phm tin gi an ton, hiu qu v
cc sn phm cho vay tiu dng linh hot (vay mua nh,
vay mua xe, vay du hc, vay sn xut kinh doanh) cng
cc dch v a dng (chuyn tin trong v ngoi nc,
thanh ton tin in). c bit, ABBANK ch trng
pht trin cc dch v ngn hng gia tng, hin i, ph
hp vi xu th mi cho khch hng nh Online Banking,
SMS Banking, Mobile Banking, cc dch v tin ch gn
lin vi cc sn phm th ca ABBANK
i vi nhm khch hng thuc Tp on in lc v
cc n v thnh vin, vi li th am hiu chuyn su
ngnh in, thu hiu khch hng, ABBANK nghin
cu v trin khai nhiu sn phm ti u dnh ring cho
khch hng in lc nh: Thu h tin in, Qun l dng
tin, Thu xp vn cho cc d n truyn ti in, Gi sn
phm dnh cho Nh thu in lc
Xc nh tm nhn tr thnh mt Ngn hng TMCP hng
u Vit Nam tp trung vo lnh vc bn l, ABBANK
nh v s khc bit ca mnh trn th trng ti chnh l
mt ngn hng bn l thn thin. S thn thin, chuyn
nghip v tn tm ca i ng cn b nhn vin l tiu
ch v kim ch nam cho hot ng ca ABBANK. Chn
phng chm kinh doanh l Trao gii php Nhn n
ci, ABBANK mong mun tr thnh a ch tin cy
mang n nhng gii php ti chnh hiu qu v nhn
c n ci, s hi lng ca khch hng sau mi ln
giao dch.
Hin ti, tri qua 21 nm, ABBANK thc s xy dng
v khng nh nim tin vng chc vo tim nng cng
nh s pht trin ca mnh trn th trng ti chnh
Vit Nam. Hiu qu hot ng v cht lng dch v
ca ABBANK c khng nh qua s tin tng, ng
h ca C ng, i tc, Khch hng cng nh nhng
gii thng ln v uy tn: Qu Cu Vng, Doanh nghip
Thng mi Dch v tiu biu, Thng hiu Vit c
yu thch, nhiu nm lin nhn gii thng Thng hiu
mnh Vit Nam, Ngn hng c hot ng thanh ton
quc t xut sc
13
BO CO THNG NIN 2014
GI TR CT LI
05 Gi tr ct li ca ABBANK trong hot ng kinh doanh:
Hng n kt qu (Results Orientation)

Trch nhim (Accountability)
Sng to c gi tr gia tng (Value Add Creativity)
Thn thin ng cm (Hightouch)
Tinh thn phc v (Servant mindset customer service)
5 gi tr ct li l ti sn, bn sc v gi tr ca thng hiu ABBANK. Gi tr ct li ng vai tr l kim ch nam trong
mi hon cnh v bin ng ca th trng, mi hot ng v chin lc kinh doanh ca ABBANK. Gi tr ct li cng
l thc o, nh gi tinh thn lm vic v hiu qu lao ng ca mi Cn b nhn vin ABBANK, l cu ni to nn
s thu hiu v s chia, on kt gia Ban lnh o v ton th nhn vin ngn hng.
14
GII THIU V ABBANK
15
BO CO THNG NIN 2014
THNH TCH V CC GII THNG

Thng hiu ABBANK c khng nh v cng nhn vi nhiu danh hiu, gii thng uy tn:
2014
Thng hiu mnh Vit Nam do Thi bo kinh
t Vit Nam phi hp vi Cc xc tin Thng
mi (B Cng Thng) t chc nm 2014.

Top 500 Doanh nghip ln nht Vit Nam
(VNR 500).
Top 300 thng hiu hng u Vit Nam do Tp
ch Cng Thng B Cng Thng trao tng
nm 2014.
Mt trong 10 thnh vin mua bn tri phiu
Chnh ph (TPCP) ln nht th trng trong
nc (theo s liu bo co ca HNX).
2013
Ngn hng c hot ng TTQT xut sc nm
2013 do Wells Fargo (M) trao tng.

Thng hiu ni ting Asean 2013 do Hi
pht trin Hp tc kinh t Vit Nam - Lo Campuchia trao tng.

Danh hiu Doanh nghip Thnh ph H
Ch Minh tiu biu 2013 do Hip hi Doanh
nghip TPHCM phi hp cng Hi ng thi
ua khen thng TPHCM trao tng.
Top 500 Doanh nghip ln nht Vit Nam
(VNR500).
2012
Ngn hng TTQT xut sc nm 2012 do ngn
hng Wells Fargo (M) trao tng.
Top 500 Doanh nghip ln nht VN (VNR500).
2011
Ngn hng thanh ton quc t xut sc 2011 do
cc ngn hng Citibank (M), Wells Fargo (M)
v HSBC trao tng.
Top 1000 Doanh nghip np thu ln nht Vit
Nam 2011 c cng b bi bo VietNamNet
v s phi hp ca Tp ch thu - Tng cc thu.
2010
Thng hiu Vit c yu thch do Bo Si
Gn Gii phng trao tng nm 2010.
Nhn hiu cnh tranh ni ting quc gia do Cc
S hu tr tu Vit Nam t chc v bnh chn
2010.
Ngn hng t chun in Thanh ton quc t
xut sc do hai ngn hng uy tn hng u l
Wells Fargo v Citibank trao tng 2010.
Doanh nghip Thng mi Dch v tiu biu
- Top Trade Services 2010 do B Cng thng
trao tng.
2009
2009.
Doanh nghip Thng mi Dch v tiu biu
- Top Trade Services 2009 do B Cng thng
trao tng.
Thng hiu vng 2009 do Hip hi chng hng
gi v bo v thng hiu Vit Nam phi hp
vi B Cng Thng bnh chn.
2008
2008.
Wachoviabank (M) trao tng.
Cp vng Nh bn l hng u VN 2008 do
Hip hi cc Nh bn l VN trao tng.
Thng hiu ni ting VN 2008 do VCCI v
cng ty Nielsen bnh chn.
2007
Wachoviabank (M) trao tng.
Gii thng Qu Cu Vng the Best Banker
cho ngn hng pht trin nhanh cc sn phm
dch v cng ngh cao: Ban t chc hi ch ti
chnh - ngn hng - bo him Banking Expo
2007 trao tng.
Nh pht hnh tri phiu cng ty bn t tt nht
Chu do Tp ch Asia Money bnh chn.
16
GII THIU V ABBANK
C CU T CHC
S t chc
I HI NG
C NG
BAN KIM SOT
HI NG QUN TR
KIM TON NI B
VN PHNG HQT
BAN IU HNH
(TG & CC PH TG)
QUN TR T CHC
VN PHNG
KHU VC MIN BC
KHI KHCN
KHI KHDN
KHI NGUN VN
& U T
KHI QUN L
TN DNG
BAN X L N
BAN PHP CH
& TUN TH
P. PT Cc knh
kinh doanh khc
P. Doanh nghip
va v nh (SME)
P. u t ti chnh
P. Thm nh
ti sn
P. X l n
Pha Bc
P. T vn
Php l
P. Pht trin &

Qun l sn phm
P. Qun l KH
chin lc
P. Kinh doanh
ngun vn
P. Qun l
tn dng
P. X l n
Pha Nam
P. T Tng
P. PT Quan h
i tc
P. Sn phm
ti tr thng mi
P. Qun l H
ngun vn
P. Thm nh
tn dng
P. Pht trin
kinh doanh
P. Doanh nghip
ln
P. Tun th
P. Gim st
tn dng
P. nh ch
ti chnh
P. Pht trin
kinh doanh
Chi nhnh/
S giao dch
Phng giao dch/
Qu tit kim
17
BO CO THNG NIN 2014
Y BAN TRC THUC HQT

Y BAN
NHN S
Y BAN QUN L
RI RO
Y BAN/HI NG TRC THUC BAN IU HNH

HI NG QUN L
TI SN N - C
KHI VN HNH
HI NG
RI RO
KHI TI CHNH
K TON
HI NG
U T
KHI QUN L
RI RO
HI NG
TN DNG
KHI CNTT
Y BAN PHNG
CHNG RA TIN
KHI QUN TR KHI CHIN LC

NGUN NHN LC
& PHT TRIN
TT Thanh ton
TT. Ti chnh
P. Ri ro th trng
TT Pht trin &

Qun l ng dng
P. Tuyn dng
P. K hoch, chin lc
& Qun l d n
TT H tr
& Vn hnh th
TT. K ton
P. Ri ro tn dng
TT C s h tng
& H tr
TT. o to
& Pht trin
P. Qun l
cht lng dch v
TT Dch v
khch hng
P. Mua sm
P. Ri ro hot ng
P. Lng
& Ch i ng
P. Pht trin
mng li
TT Thanh ton
quc t
P. Hnh chnh
P. Qun l Nhn s
P. Marketing
TT H tr tn dng
P. Kim sot sau
Vn phng
QLDA (PMO)
P = Phng
TT= Trung Tm
18
HI NG QUN TR
ng V Vn Tin
Ch tch HQT
Ch nhim y ban Nhn s ABBANK
Sinh nm 1959
C nhn kinh t - i hc kinh t Quc dn.
ng V Vn Tin l mt trong cc doanh nhn thnh cng v c
uy tn ti Vit Nam. ng c Nh nc v Chnh ph tng
thng nhiu Hun, Huy chng v Bng khen cho cc cho cc
ng gp vo s pht trin kinh t ca t nc:
Hun chng Lao ng hng III.
Huy chng V th h tr.
Bng khen ca Th tng chnh ph.
Bng khen ca UBND thnh ph H Ni.
Gii thng Sao .
19
BO CO THNG NIN 2014
ng Mai Quc Hi
Ph Ch tch HQT
Thnh vin y ban Nhn s ABBANK
Sinh nm 1962
C nhn chuyn ngnh K ton ti
i hc Ti chnh K ton.
Thc s chuyn ngnh Qun tr
Kinh doanh trng Irvine University.
Hin ang gi chc v y vin Hi ng
thnh vin - Tp on in lc Vit
Nam, c 31 nm cng tc trong lnh vc
Ti chnh K ton.
ng Mai Quc Hi vinh d c
Chnh ph trao tng Hun chng lao
ng hng III v Bng khen ca Th
tng Chnh ph.
ng o Mnh Khng
Thnh vin HQT
Ch tch Ban Ch o D n thc hin
cc Sng kin chin lc ca ABBANK
Ch nhim y ban Qun l ri ro ti
ABBANK
Thnh vin y ban Nhn s ca ABBANK
Sinh nm 1969
Tin s Kinh t trng i hc
Thng Mi, H Ni.
ng o Mnh Khng c 21 nm
kinh nghim cng tc trong ngnh ti
chnh ngn hng v c gn 10 nm lm
vic ti ABBANK. Hin ng Khng l
thnh vin HQT ABBANK, Ch nhim
y ban Qun l ri ro ti ABBANK v l
Ch tch Ban ch o D n trin khai 20
sng kin chin lc ca ABBANK giai
on 2014- 2018.
20
HI NG QUN TR
ng Lee Tien Poh

Thnh vin HQT
Thnh vin y ban Qun l Ri Ro
ABBANK
Sinh nm 1962, quc tch Malaysia.
C nhn ton hc i hc Malaya Malaysia, chng ch chuyn mn K
ton ca Vin K ton vin cng hun
Malaysia.
ng Lee Tien Poh c 21 nm lm vic
trong ngnh ngn hng ti Malaysia,
hin l Gim c iu hanh Maybank
vung ng Dng va TG Maybank
Campuchia.
ng Trn B Vinh
Thnh vin HQT c lp
Thnh vin y ban Qun l Ri ro
ABBANK
Sinh nm 1957
C nhn Kinh t - Trng H Giao thng
ng thy (nay l trng H Hng Hi,
Hi Phng).
C nhn ting Anh Trng H S phm
ngoi ng H Ni.
ng c 12 nm kinh nghim ging dy
v Kinh t ti trng H Hng Hi,
v 21 nm kinh nghim lm vic trong
ngnh Ngn hng.
ng c nhn Bng khen nm 2005
ca Tng lin on Lao ng Vit Nam
v thnh tch xut sc trong phong tro
thi ua lao ng gii v xy dng t chc
cng on vng mnh.
ng tng lm TG Ngn hng TMCP
Hng Hi Vit Nam; lm TG v thnh
vin HQT Ngn hng TMCP pht
trin Mkng.
21
BO CO THNG NIN 2014
ng Gayle McGuigan
Thnh vin HQT
Sinh nm 1944, quc tch Hoa K.
Thc s chuyn ngnh ti chnh Trng
Wharton, Philadelphia, PA.
C nhn chuyn ngnh Lch s Trng
i hc Pennsylvania, Philadelphia, PA.
ng c hn 43 nm kinh nghim lm
vic trong lnh vc ti chnh, kinh doanh
tin t, chng khon, ngn hng ti Hoa
K v cc t chc quc t.
T nm 1971 n nm 1995 lm vic cho
cc ngn hng v t chc ti chnh, chng
khon khc nhau ti Hoa K v cc nc.
ng lm vic cho IFC ti Washington
(Hoa K) t nm 1996 n nay.
22
BAN IU HNH
ng Phm Duy Hiu

Tng Gim c
Sinh nm 1978
Thc s kinh t chuyn ngnh Ti chnh, Lu thng tin t &
Tn dng.
ng Phm Duy Hiu c b dy 16 nm kinh nghim v c kin
thc chuyn su trong lnh vc ti chnh - ngn hng. ng tng
m nhim cc v tr lnh o ch cht, iu hnh v c vn cp
cao ti cc ngn hng Vietcombank, VietABank, ABBANK; cc
cng ty chng khon Vincom, VNDirect; cc cng ty u t v
qun l qu u t Sabeco Fund Management, IPA Investment.
Nm 2014, ng c nhn gii thng Doanh nhn tr Vit Nam
tiu biu ca nm.
23
BO CO THNG NIN 2014
B Phm Th Hin
Ph Tng Gim c
Sinh nm 1973
C nhn Hc vin Ngn hng
Thc s Kinh t Ngn hng v Ti chnh
(MEBF) CFVG H Ni.
B Phm Th Hin c 22 nm hot ng
trong ngnh Ti chnh ngn hng Vit
Nam, trong c 13 nm lm vic ti
Vietcombank, 4 nm ti HSBC Vit Nam
v 4 nm lm vic ti ABBANK.
ng Bi Trung Kin
Ph Tng Gim c
Sinh nm 1973
C nhn Ngn hng v Ti chnh, i hc
Kinh t quc dn H Ni.
C nhn Ngoi ng, i hc M H Ni.
C nhn Lut, i hc M H Ni.
Thc s Qun l chnh sch cng (i hc
Quc gia Singapore).
ng Bi Trung Kin c 20 nm
kinh nghim hot ng trong ngnh ti
chnh ngn hng ca Vit Nam, trong
c 12 nm lm vic ti Ngn hng
Nh nc Vit Nam v 8 nm lm vic
ti Ngn hng An Bnh.
24
BAN IU HNH
B Nguyn Th Ngc Mai

Ph Tng Gim c
Sinh nm 1974
K s Kinh t nng lng Trng i hc
Bch khoa H Ni.
Thc s Kinh t Nng lng, Hc Vin
Cng ngh Chu .
Tin s Kinh t, i hc Kwansei Gakuin,
Nht bn.
B Nguyn Th Ngc Mai c 20 nm
kinh nghim lm vic trong lnh vc ti
chnh, trong c 12 nm hot ng
trong lnh vc ti chnh doanh nghip,
ti chnh d n thuc Tp on in
lc Vit Nam v 8 nm lm vic ti
ABBANK.
ng C Anh Tun
Ph Tng Gim c
Sinh nm 1972
C nhn Hc vin Ngn hng,
chuyn ngnh Tn dng.
Thc s chuyn ngnh Ti chnh K
ton, i hc Cng ngh Swinburne
(Australia). ng t chng ch CPA t
nm 2005.
ng C Anh Tun c 22 nm kinh
nghim v ti chnh - k ton v qun l
ti cc Doanh nghip khc nhau, trong
tng nm gi v tr Gim c Ti chnh
SCIC (2007-2011) v Gim c Ti chnh
ti Techcombank (2011-2014).
25
BO CO THNG NIN 2014
ng Trn X
Ph Tng Gim c
Sinh nm 1955
C nhn i hc Bch khoa H Ni.
C nhn Qun tr Kinh doanh i hc
Kinh t Nng.
ng Trn X c hn 17 nm kinh
nghim trong ngnh ti chnh ngn hng
Vit Nam ti Techcombank v ABBANK.
T nm 2007 n nay, ng X gi
nhiu cng v quan trng ti ABBANK
nh: Gim c chi nhnh ABBANK
Nng v Gim c ABBANK khu vc
min Trung.
26
BAN KIM SOT
B Nguyn Th Hnh Tm
Trng Ban Kim sot
ng Nguyn Phan Long

Thnh vin chuyn trch
Sinh nm 1972
Sinh nm 1962
C nhn chuyn ngnh Ti chnh Tn dng, Hc vin Ngn hng.
C nhn kinh t - i hc Ti chnh

K ton TP.HCM.
C nhn chuyn ngnh K ton,

Hc vin Ngn hng.
C nhn Lut i hc Lut H Ni.
Thc s Qun tr Kinh doanh.

Chng ch K ton trng.
B Nguyn Th Hnh Tm c 22 nm
kinh nghim hot ng trong lnh vc
ti chnh ngn hng.
ng Nguyn Phan Long c 30 nm

cng tc trong ngnh ti chnh - k ton,
trong c 10 nm trc tip lm k ton
tng hp v k ton trng.
27
BO CO THNG NIN 2014
ng Cp Tun Anh
Thnh vin Ban kim sot
ng Hadenan bin A.Jalil

Thnh vin Ban kim sot
Sinh nm 1977
Sinh nm 1946, Quc tch Malaysia
Thc s Ti chnh - University of

Houston-Clear Lake.
C nhn kinh t Hons - University of

Malaysia.
ng Cp Tun Anh c 14 nm lm
vic trong lnh vc ti chnh - k ton.
Thc s Qun tr kinh doanh - Asian

Institute of Management, Manila.
Tin s - Henley - The Management College/
Brunel University, United Kingdom.
ng c 44 nm kinh nghim trong lnh
vc ti chnh, thu, kim ton, ngn hng.
L Thnh vin HQT Maybank.
Thnh vin HQT chi nhnh ngn hng
Maybank Islamic Berhad.
Ch tch ICB Islamic bank Ltd, Dhaka
Bangladesh.
ng tng gi cc chc v cao cp ca cc
cng ty khc nhau ti Malaysia, Thnh
vin Ban kim ton JCorp v Ch tch
y ban chng tham nhng Malaysia.
28
BO CO CA HI NG QUN TR
29
BO CO THNG NIN 2014
NHNG NT NI BT V KT QU HOT NG KINH DOANH 2014

Nm 2014, ABBANK thc hin theo mc tiu Chin
lc 2014 - 2018 tip tc gi vng v th, hot
ng an toan hiu qua v chuyn i ngn hng theo
20 sang kin chin lc a c ph duyt nhm
a ABBANK tr thnh Ngn hng TMCP hng u
Vit Nam tp trung vo lnh vc bn l.
Nm 2014, vt qua nhng kh khn thch thc ca
ngnh ngn hng cng nh ca nn kinh t ni chung,
cc ch tiu v tng tai san, huy ng va cho vay ca
ABBANK u vt k hoach ra va tng trng so
vi nm 2013. Chi phi hoat ng c kim soat cht
che. Cc ch tiu m bo an ton u c gi vng.

c bit, im sng ca nm 2014 l ABBANK
thnh cng trong vic hoan thanh k hoach thu hi va
x ly n xu, la mt trong cac ngn hang x ly n xu
tt nht trn ia ban.
Nm 2015, ABBANK s tip tc pht huy sc mnh
ni ti, hon thin theo c cu t chc mi nhm
nng cao nng lc qun tr, iu hanh. ABBANK
quyt tm phn u xy dng ngn hang ngy cng
pht trin, hot ng n nh, uy tn.
TNG TI SN (T NG)
VN IU L (T NG)
80.000
6.000
67.465
70.000
50.000
38.016
40.000
17.174
20.000
41.542
4.000
46.013
3.482
3.831
4.200
4.200
2011
2012
2013
2014
2.000
1.131
13.494
1.000
3.113
2006
2007
2008
2009
2010
2011
2012
2013
2014
2006
2007
42.633
2009
2010
70.000
60.911
37.558
40.000
2008
HUY NG (T NG)
45.000
60.000
50.962
35.000
50.000
30.000
23.266
25.000
40.355
40.000
32.369
20.019 20.125
20.000
30.000
12.883
15.000
10.000
4.800
2.300
D N CHO VAY (T NG)
5.000
4.800
2.705
3.000
26.518
30.000
10.000
5.000
57.628
60.000
6.858
2007
6.538
2008
10.000
2009
21.336
20.000
1.131
2006
34.948
2010
2011
2012
2013
2014
6.981
7.245
2007
2008
1.888
0
2006
2009
Ghi ch: S liu ca nm 2010, 2011, 2012, 2013 v 2014 l theo s liu ca BCKT hp nht.
S liu Huy ng bao gm Th trng 1,2.
2010
2011
2012
2013
2014
30
BO CO CA HI NG QUN TR
CNG C H THNG
Nhn thc r nhng kh khn thch thc ca th
trng, nm 2014, Hi ng Qun tr ABBANK tip
tc ch o Ban iu hanh va ton th Cn b nhn
vin ABBANK thc hin phng chm kinh doanh
thn trong, an toan, m bo cht lng ti sn v c
bit l huy ng ton lc tham gia x ly n xu, ti c
cu ngn hng, tinh gian b may a ngn hng vt
qua kho khn.
Hi ng Qun tr a chi ao Ban iu hnh tp trung
nhng cng tc chnh trong hot ng kinh doanh nh:
Duy tr n nh thanh khon, m bo ngun vn
di do;
Pht trin tn dng vi phng chm An ton
Hiu qu;
Tp trung ngun lc qun l tn dng nhm m
bo cht lng ti sn. Cc khon n tn dng c
theo di st sao c phng n x l linh hot,
kp thi, m bo an ton vn cho ngn hng;
Tng cng cac bin phap quan ly rui ro va x ly
cac hu qua phat sinh t rui ro tin dung, nghip vu
va vn hanh.
TP TRUNG TR TU V NGUN
LC CNG C H THNG, NNG
CAO HIU QU HOT NG
Trn tt c cc hot ng, nhm xy dng Ngn hng
TMCP An Bnh pht trin n nh v bn vng, trong
nm 2014, ABBANK tip tuc thc hin d n Ti cu
trc h thng, iu chinh quy trinh, quy ch theo m
hinh c cu mi, sp xp lai nhn s phu hp vi nng
lc va h thng. Ngoai ra, ABBANK a tip nhn s tr
giup cua chuyn gia v Quan ly rui ro va chuyn gia v
Chin lc phat trin do Maybank c sang nhm h tr
ngun lc v kinh nghim qun tr. ABBANK cung tip
tuc hp tac cht che vi cc c ng ln nh EVN, IFC
v Geleximco.
Ti cu trc pht trin

Nm 2014, ABBANK tip tuc tai cu truc h thng theo
k hoach t nm 2012 v d kin hon thnh trong vng
5 nm k t thi im chnh thc thc hin.
V phat trin nhn lc, ABBANK a ap dung c cu
thang lng mi c chun hoa, xy dng chnh sch
i ng nhn s ph hp va thc hin d an pht hin,

pht trin nhn s k tha cp lanh ao chi nhanh.
V tai chinh, ABBANK a thc hin m hinh quan ly
tp trung, tit kim chi phi hiu qua thng qua d n
Tp trung ha K ton ti chnh & Kim sot nh mc
chi ph.
Hin ti, ABBANK hon thnh vic ti cu trc ti
Hi s v ang nghin cu cai thin b may tng hiu
qua kinh doanh cac Chi nhnh, Phng giao dch. Vi
s h tr kinh nghim t Maybank v IFC, ABBANK
v s trin khai hng lot cc cng tc trng tm nhm
nng cao nng lc cnh tranh ca ABBANK gm: nng
cao nng lc bn hng, xy dng c ch qun l ri ro
theo chun quc t, tng cng kim sot v x l n xu,
cng c nhn din thng hiu v mng li hot ng.
Trong thi gian ti, d n s lin tc c s kim sot,
xem xt, cp nht, iu chnh nhm ph hp vi cc
chnh sch, quy nh ca Chnh ph, Ngn hng Nh
nc v tnh hnh th trng kinh t - ti chnh - ngn
hng ti Vit Nam.
TM NHN S MNH ABBANK GIAI

ON 2014-2018: KHT VNG V
MC TIU
L mt nn kinh t nng ng, tng trng cao v n
nh trong nhiu nm va qua, Vit Nam l mt th
trng y tim nng cho vic pht trin cc dch v ti
chnh ngn hng bn l. Bn cnh , cng vi xu th
m rng v kh nng tip cn cc dch v ngn hng
ngy cng thun li v a dng hn thng qua vic ng
dng cng ngh thng tin, pht trin cc sn phm ngn
hng mi, hin i; cc ngn hng Vit Nam ang ng
trc c hi pht trin nhanh v bn vng thng qua
hot ng ngn hng bn l.
i theo nh hng bn l, ABBANK xc nh c
tim nng pht trin nh li th ca i ng nhn s
tr, nhit huyt, nng ng v h thng giao dch rng
khp c nc. S hp tc v h tr t cc i tc chin
lc ln trong v ngoi nc, c bit k n th mnh
v kinh nghim ca hai c ng Maybank IFC trong
hot ng ngn hng bn l, cng u th hp tc vi c
ng chin lc l Tp on in lc Vit Nam v mng
li, s lng cc h dng in, nh thu in lc
chnh l li th ABBANK t tin hon thin cc mc
tiu v tm nhn chin lc ca mnh l tr thnh Ngn
hng TMCP hng u ti Vit Nam, tp trung vo lnh
vc bn l.
31
BO CO THNG NIN 2014
hin thc ha ni dung Tm nhn, S mnh, Mc

tiu v cc Sng kin Chin lc ca ABBANK ti nm
2018, Hi ng Qun tr ABBANK ph duyt 22 d an
trin khai trn nhiu lnh vc c gim st cht ch bi
Ban Chi ao d an (SC) va thng qua n vi h tr la
Vn phong Quan ly d an trc thuc Khi Chin lc
& Pht trin.
Trong nm 2014, 13 d n bt u trin khai,

bao gm:
1. Xy dng chnh sch tin lng, i ng.
2. Xy dng v p dng KPIs trong o lng hiu
qu cng vic.
3. Qun l nhn ti v pht trin i ng k cn ti
ABBANK (D n Talent).
4. Nng cao nng lc bn hng mng KHCN.
5. Ci thin sn phm dch v mng KHCN.
6. Nng cao nng lc cnh tranh phn khc SME.
7. Ci tin h thng t chc qun l ca cc
Chi nhnh.
8. Xy dng h thng thng tin v qun l tn dng
v cnh bo sm n xu.
9. Xy dng h thng thng tin qun tr n xu.
10. Xy dng v trin khai khung qun l ri ro.
11. Qun l tp trung hch ton k ton v kim sot
nh mc chi ph.
12. Tp trung hoa hoat ng vn hanh.
13. D n xy dng khung nh gi iu chuyn vn
ni b.
Trong nm 2015, Ban ch o d n s trin khai 9

d n nh sau:
1. y manh quan tri ban hang.
2. a dang hoa dich vu tng thu phi.
3. Nghin cu thanh lp Trung tm kinh doanh.
4. Ci tin v pht trin cc knh kinh doanh phi
truyn thng nh e-banking, mobile banking,
MPOS, EMV, dch v thu h v cc knh phi
truyn thng khc.
5. Xy dng h thng tiu chun pht trin ca Chi
nhnh, Phng giao dch (Quy m, hiu qu, thi
gian, a im, kt cu h tng, b nhn din
thng hiu).
6. Trin khai chng trnh qun tr khch hng

nhm phn tch d liu v khch hng, phn
khc khch hng hp l nh hng bn hng
hiu qu hn. Ti u ha mc s dng cc sn
phm, dch v trong danh mc khch hng.
7. Hon thin h thng qun tr doanh nghip v
quy trnh ni b.
8. Xy dng Trung tm ph duyt tn dng tp
trung ti Hi s.
9. Xy dng kho d liu Data Warehouse.
D kin, ti thng 6/2016, ton b 22 d n s hon
thnh.
TRIN VNG PHT TRIN NM 2015

Nm 2014, nhin chung ngnh ngn hng t c
nhng kt qu tch cc trong hot ng kinh doanh. H
thng ngn hng c cng c; thanh khon m bo;
t gi, li sut c n nh mc hp ly va h tr
tt cho cac nganh kinh t - t nn tng cho trin vng
kh quan hn ca hot ng ngn hng trong nm 2015.
Nm 2015, vi nh hng pht trin bn vng ng
thi tng trng quy m, ABBANK tip tc hon thin
ti cu trc h thng, n nh v vn hnh theo c cu
t chc mi, sn sng cho chin lc pht trin di
hn, va phat trin t thn va sn sang cho kha nng
hp nht vi mt t chc khac tng quy m va hiu
qua kinh doanh am bo muc tiu a ABBANK tr
thnh mt trong 10 ngn hng TMCP ln nht Vit
Nam trong nhng nm sp ti, mang lai gia tri thng d
cho C ng, Khch hng v Cn b nhn vin.
u nm 2015, ABBANK bt u phi hp vi T chc
Tai chinh Quc t (IFC) thc hin anh gia inh ky
v nng lc quan tri iu hanh cua Ngn hang, nhm
muc tiu a ra cac khuyn nghi tng nng lc quan tri
t cp cao nht. Hi ng Qun tr v Ban iu hnh
xc nh mc tiu chnh ca ABBANK trong nm 2015
l nng cao nng lc qun tr, nng lc cnh tranh trn
th trng; m bo kinh doanh hiu qu, an ton; tun
th cc quy nh chung ca Ngn hng Nh nc v
p dng cc thng l quc t. Hi ng Qun tr ch
o Ban iu hnh trin khai k hoach chin lc t
nay n 2018, ch trng vo vic tng trng quy m,
cng c h thng, pht trin ngun nhn lc, qun tr
tn dng, qun l ri ro.
32
BO CO CA BAN IU HNH
33
BO CO THNG NIN 2014
34
BO CO CA BAN IU HNH
KT QU KINH DOANH NM 2014
Do nhng kh khn ca nn kinh t th gii v trong
nc, hot ng ca h thng ngn hng trong nm 2014
tip tc i mt vi nhiu thch thc. Bn cnh , vi
chnh sch tin t linh hot v kp thi ca NHNN mt

s yu t kinh t v m c nhng chuyn bin tch
cc. Trong bi cnh nn kinh t nm 2014, ABBANK
ch ng thc hin t ti cu trc theo nh hng bn
l v t c mt s thnh tu nht nh.
Biu ch tiu ti chnh nm 2014 so vi nm 2013 ca ABBANK

70.000
67.465
Nm 2014
60.000
Nm 2013
60.911
57.628
50.962
50.000
42.633
40.000
37.558
30.000
20.000
10.000
151
0
Tng ti sn
Cho vay
Huy ng
185
Li nhun TT hp nht
Xt theo cc Mc tiu chin lc n nm 2018 c HQT ph duyt, ABBANK t nhng thnh qu nht
nh trong nm 2014.
KHCH HNG C NHN

Tn dng:
Vi mc tiu chin lc tr thnh mt trong 10 ngn
hng TMCP hng u ti Vit Nam, tp trung vo lnh
vc bn l v d n Khch hng c nhn chim 50%

trong tng d n ton h thng ABBANK n nm 2018,
ABBANK lin tc y mnh pht trin cc sn phm cho
vay khch hng c nhn v cc chng trnh khuyn mi
cho vay hp dn.
35
BO CO THNG NIN 2014
Trong nm 2014, ABBANK trin khai cc gi u i

v li sut cho vay, nh: u i c nm - Tha sc tn
hng, u i cho vay - C hi trong tm tay, Vui
u i di - Mng li sut gim v y u i -
nim vui vi tng hn mc cc gi u i trong nm
2014 ln n 4.380 t ng, qua h tr ngun vn chi
ph thp t ngn hn cho n trung, di hn thu ht
khch hng mi v to dng mi quan h lu di vi cc
khch hng hin hu.
Huy ng vn:
Trc tnh trng li sut huy ng lin tc gim ca th
thng Vit Nam trong nm 2014, ABBANK ch
ng iu chnh li sut huy ng kh linh hot, va
m bo p ng cnh tranh trong bi cnh th trng
nhiu bin ng, va cn i c ngun vn trung di
hn phc v cho vay.
Cng vi , ABBANK cng kp thi a ra nhng
chng trnh u i cho khch hng gi tit kim nh
Qu tng thng 3, Qu tng mng sinh nht, Hn
hoan ngn qu tng - Phn khi n lc xun tri n
khch hng trong cc dp l, ng thi tranh th thu ht
ngun vn nhn ri t khch hng c nhn qua gip
gia tng quy m v tng ti sn ca ABBANK.
Nm 2014, hot ng huy ng vn t khch hng c
nhn trn ton h thng ca ABBANK tip tc gi c
s tng trng tt, t 101% k hoch ra.
Pht trin sn phm dch v khch hng

c nhn:
Nm 2014, ABBANK tip tc pht trin thm nhiu tnh
nng cho cc dch v nh:
Chuyn tin lin ngn hng: Hon thnh kt ni k
thut Dch v chuyn tin nhanh lin ngn hng
qua Smartlink/ BanknetVN trn Online Banking.
Thanh ton tin in: Hp tc trin khai thanh ton
tin in trc tuyn trn website ca Tng cng
ty in lc H Ch Minh. Quy inh b sung thi
im cht s liu vi EVN H Ch Minh nhm tng
cng tn sut chm xa n ghi nhn nhanh
chong kt qua giao dich cua khch hng kip thi.
Ngoi ra, ABBANK iu chnh biu ph dch v
khch hng c nhn theo tnh hnh chung ca th
trng v trin khai thu ph i vi dch v SMS
Banking, qua gia tng ng k ph thu t cc dch
v trong nm 2014.
Bn cnh , hng lot cc chng trinh khuyn mai cho

dch v nh: Tri nghim dch v - C hi nhn i
dnh cho dch v Online Banking, chng trnh Giao
dch Western - n qu nh p dng i vi dch v
chuyn/nhn tin Western Union, thu ht khch
hng s dng cc dch v tin ch, hin i v lin tc gia
tng s lng giao dch ti ABBANK.
SN PHM TH
Vi nn tng cng ngh c xy dng, ABBANK
t ho l ngn hng u tin v duy nht trin khai
Dch v h thng ATM, POS chp nhn thanh ton
tin in i vi bt k cc th VISA, thng qua kt
ni thnh cng vi Tng cng ty in lc Min Nam,
Tng cng ty in lc H Ch Minh, Tng cng ty
in lc Min Trung v Tng cng ty in lc Min
Bc. T , gip ABBANK m rng cc knh thanh
ton tin in, bao gm: Thanh ton ti quy, thanh
ton trch n t ng ti khon, thanh ton trn
E-banking, thanh ton qua VNPost, thanh ton qua
ATM
Nm 2014, bn cnh cc chng trnh u i xy dng
phc v ch th xuyn sut c nm, ABBANK cn ch
trng vo vic gia tng tin ch cho ch th, m rng
mng li chp nhn th trong nc v quc t thng
qua vic hon thnh cc d n ln trong nm nh:
Dch v chuyn khon lin ngn hng 24x7 qua cc
knh ATM/POS/E-banking bng th/ti khon; Dch v
chuyn khon quc t 24x7 bng th; Dch v mua v
my bay qua mng
Ni bt nht trong nm 2014, ABBANK phi hp
cng i tc chin lc Maybank kt ni thnh cng h
thng th ca ABBANK v Maybank m rng mng
li chp nhn th cho ch th ca c 2 ngn hng.
Thng qua d n ny, ch th ni a ca ABBANK
c th thc hin giao dch ti ATM ca Maybank ti
Malaysia v ngc li. D n ny gp phn nng cao v
th ca ABBANK trn th trng th quc t v m ra
mt bc tin mi trong mi quan h hp tc u t
gia ABBANK v Maybank trong tng lai.
Ngoi ra, ABBANK cng l ngn hng u tin phi
hp cng vi Cng ty C phn chuyn mch quc gia
(BanknetVN) chnh thc trin khai Dch v Chuyn
khon lin quc gia. Theo , khch hng ca ABBANK
c th nhn tin chuyn v tc thi t cc khch hng
ca ngn hng ti Hn Quc. Giai on tip theo dch
v s c m rng ti cc quc gia c t chc chuyn
mch l thnh vin ca Mng Chu (APN).
36
BO CO CA BAN IU HNH
Nm 2014, ABBANK cng hon thin dng sn phm
th mang thng hiu ABBANK VISA Platinum, d
kin ra mt th trng vo qu II nm 2015.
Ngoi ra, trong bi cnh th trng th quc t v trong
nc tim n nhiu ri ro, nm 2014, ABBANK khi
ng cc d n quan trng nhm m bo cng tc
qun l ri ro th v u t, xy dng h thng t tiu
chun quc t:
D n pht hnh th EMV: Ton b th quc t
VISA ca ABBANK s c pht hnh theo tiu
chun th Chip EMV, m bo tnh an ton, bo
mt cao nht cho khch hng khi s dng. D kin
d n s hon thnh vo qu II/2015.
D n PCI DSS: D kin sau khi hon thnh vo
qu II/2015, d n s ng vai tr chng nhn h
thng cng ngh ca ABBANK t tiu chun quc
t trong lnh vc thanh ton th PCI DSS (Payment
Card Industry Data Standard Security).
Tng kt tnh hnh kinh doanh th nm 2014, s lng
th ly k tnh n 31/12/2014: 359.973 th ghi n ni
a YOUcard, 36.121 th ghi n quc t v th tn dng
quc t ABBANK VISA.
KHCH HNG DOANH NGHIP

Tn dng:
Tnh n ht 31/12/2014, cho vay khch hng doanh
nghip ca ABBANK t 17.745 ty ng, tng 1.900 ty
ng (tng ng tng 12%) so vi cui nm 2013.
Trong , i tng khch hng doanh nghip m
ABBANK tp trung pht trin l phn khc khch
hng SME. Tnh n ht nm 2014, cho vay SME t
mc tng trng 30% v c s lng khch hng (tng
632 khch hng) v d n (tng 2.248 t ng) so vi
cui nm 2013. T trng d n cho vay khch hng
SME cui nm 2014 t 55% trn tng d n cho vay
khch hng doanh nghip.
t c kt qu ny, ABBANK khng ngng
nghin cu v trin khai cc gii php ti chnh p
ng y , trn gi cc nhu cu ca khch hng theo
bin ng ca th trng. C th k n mt s chng
trnh tiu biu nh: Kt ni doanh nghip Gia tng
tin ch, ng hnh cng doanh nghip xut khu,

ABBANK + Tip sc cng doanh nghip; Hp tc
nh thu Pht trin bn lu, V ch cng doanh
nghip
c bit, nhm tng cng hiu qu ca cng tc qun
l tn dng, nm 2014 ABBANK trin khai thnh
cng m hnh Trung tm H tr tn dng (HTTD) tp
trung trn ton h thng. Bt u thc hin t thng
03/2014, sau gn mt nm hot ng, Trung tm n
nh v m hnh t chc, nhn s; gp phn nng cao
tnh tun th t cc n v kinh doanh, pht huy tt vai
tr ca mt n v c lp thc hin nghip v h tr
tn dng t gip gim thiu ri ro tn dng v nng
cao cht lng dch v cung cp ti khch hng.
Huy ng vn:
Tnh n 31/12/2014 huy ng mng khch hng doanh
nghip (KHDN) t 26.464 t ng, tng 3.149 t ng
(tng ng tng 14%) so vi cui nm 2013 v t
gn 110% so vi k hoch nm 2014.
Huy ng mng KHDN chim t trng gn 58% trong
tng huy ng t th trng 1 ca Ngn hng. c bit,
ABBANK l mt trong nhng ngn hng c t trng
huy ng tin gi khng k hn trn tng huy ng
mng KHDN kh tt, t 22,3% trong tng huy ng
th trng 1 (tng 11% so vi s cui nm 2013). Con s
ny c duy tr n nh v c tng trng trong thi
gian va qua. iu ny gp phn gim li sut huy ng
bnh qun u vo v mc thp i vi mng KHDN.
Thu dch v
Tnh n ngy 31/12/2014, tng thu dch v ABBANK
t 194,4 t ng. So vi cung ky nm 2013, thu dch
v tng 21,9 t ng (tng ng tng 13%) v t
83% so vi k hoch 2014.
t c kt qu trn, trong nm 2014, ABBANK
tip tc y mnh pht trin cc sn phm, dch v
trin khai thnh cng thi gian qua nh Gi sn phm
dch v lin quan n in lc: thu h tin in ti quy,
thu h tin in ti nh khch hng, thu tin in t
ng, qun l vn u t EVN; pht trin cc sn phm
ngn hng in t nh: nng cp & ci tin E-Banking,
Phone Banking, SMS Banking
Ngoi ra, ABBANK cn tp trung xy dng v trin khai
cc sn phm, dch v mi c hm lng cng ngh cao,
37
BO CO THNG NIN 2014
nhm tng thu ph dch v nh: Kt ni trc tip vi

cng thng tin in t ca Tng Cc Thu v Kho bc
nh nc trong vic thu thu ni a, thu h thu xut
nhp khu v bo lnh hi quan in t
ABBANK vn ang tip tc duy tr & m rng quan
h vi cc Ngn hng i tc trong v ngoi nc nh:
Deutsche Bank, HSBC, ANZ, Maybank pht trin
dch v thu chi h, m rng c s khch hng, tng thu
ph dch v.
tng trng doanh s thanh ton quc t kh n tng.

Doanh s thanh ton quc t n ngy 31/12/2014 t
1.229 triu USD, tng 369 triu USD (tng ng vi
mc tng 43%) so vi thc hin nm 2013 v t 120%
k hoch nm 2014. T l in chun tip tc tng mc
cao, t 98,2%, gp phn cng c v tr ca ABBANK
thuc nhm t ngn hng c t l in chun gn t
mc ti a.
Thanh ton quc t
Bn cnh , nhm m bo an ton, hiu qu cng

tc thanh ton quc t, ABBANK thc hin chun
ha v cp nht thng xuyn cc quy trnh nghip v
TTQT; p dng chun thi gian x l chng t TTQT
(SLA) v t chc cc kha o to, thi nghip v trn
ton h thng nhm nng cao cht lng dch v, p
ng nhu cu ngy mt gia tng ca khch hng.
Tip tc pht huy li th v cht lng dch v thanh

ton quc t v s a dng, hiu qu cc sn phm dch
v ti tr thng mi sut thi gian va qua, hot ng
nm 2014 ca ABBANK c thm 1 im sng v t l
Vi i ng nhn vin vng vng v nghip v, hot

ng Thanh ton quc t (TTQT) ca ABBANK t tin
tip tc pht trin mnh m, to c lng tin vng
chc i vi khch hng v cc ngn hng i l.
Kt qu t c, c bit i vi lnh vc huy ng

v dch v gip ABBANK lun m bo tt thanh
khon, a dng ha ngun thu, hn ch ri ro, to tin
pht trin n nh v bn vng.
38
BO CO CA BAN IU HNH
Hot ng ngn hng i l - F.I
Biu tng trng s lng im giao dch ABBANK
ABBANK hin ang duy tr mng li ngn hng i

l rng ln, vi gn 500 Ngn hng i tc ti 70 quc
gia trn th gii. Hng nm, mng li ngn hng i l
vn tip tc c m rng nhm p ng ti a nhu cu
giao dch quc t ca cc khch hng.
Trong nm 2014, vic hp tc vi cc nh ch ti
chnh c ch trng y mnh v chiu su cc
lnh vc thanh ton v ti tr thng mi vi cc i
tc chin lc: Wells Fargo, JP Morgan Chase c
bit, ABBANK c cc c ng (Maybank, IFC)
cng nh Ban qun l d n tn dng quc t - Ngn
hng Nh nc nh gi cao v nng hn mc ti tr
thng mi, hn mc cho vay theo d n SMEFP III
to ngun vn u i, h tr cc khch hng xut nhp
khu, cc doanh nghip va v nh.
PHT TRIN MNG LI

Tnh n cui nm 2014, h thng mng li ABBANK
t 146 im giao dch trn 29 tnh/thnh ph gm, 01
S giao dch, 29 Chi nhnh, 101 Phng giao dch v 15
Qu tit kim, tng 01 im giao dch so vi nm 2013.
CN/SGD
2012
2013
2014
30
30
30
PGD
95
99
101
QTK
15
16
15
Tng
140
145
146
Ti
29 Tnh/
Thnh
29 Tnh/
Thnh
29 Tnh/
Thnh
im giao dch
155
135
140
145
146
2012
2013
2014
115
95
75
55
35
15
Nm 2014, ABBANK tp trung ci thin v nng cp

c s vt cht cho cc Chi nhnh, Phng giao dch hin
hu trn ton h thng:
M mi 01 Phng giao dch: Phng giao dch Hi
An ti tnh Qung Nam.
Nng cp c s vt cht ca 09 Chi nhnh, 05
Phng giao dch v 01 Qu tit kim: Khnh Ha,
Thi Nguyn, Bc Ninh, Hi Phng, An Giang,
ng Nai, Hng Yn, Si Gn, Vnh Long, Chnh
Hng, Bnh Tn, Ch Bin Ha, Long Thnh, H
Nai, M Bch.
Xy dng v ci to 12 booth ATM cho cc im
giao dch.
Thay i a im tr s 01 Chi nhnh, 09 Phng
giao dch v 02 Qu tit kim: Bc Liu, Thnh ,
o Tn, Nguyn Hu, Ba Mi Thng T, Nguyn
Vn Linh, Tn Thun, Xun Ha, K Ha, Hm
Nghi, Ph Yn, ng Xuyn.
Nng cp 01 Qu tit kim thnh Phng giao dch:
Phng giao dch Xun Ha ti tnh Vnh Phc.
ng thi vi vic ci to, nng cp, ABBANK ch trng
vic m bo cht lng kinh doanh cng nh cht
lng phc v khch hng thng qua vic trin khai cc
d n xy dng tr s ca 05 Chi nhnh: Nng, Tha
Thin Hu, Bnh Dng, Cn Th, Sc Trng.
39
BO CO THNG NIN 2014
HP TC CHIN LC
Hp tc vi EVN
Vi mi quan h hp tc chin lc cng Tp on in
lc Vit Nam (EVN), ABBANK pht trin cc sn
phm c th nhm p ng cao nht nhu cu t EVN,
cc n v thnh vin, n v lin kt v cc nh thu thi
cng cc d n in.
S hp tc gia ABBANK EVN c th hin trn cc
hot ng kinh doanh ca ngn hng nh: ngun vn,
tn dng, dch v thu - chi h, u t ti chnh, pht
trin thng hiu, th thanh ton tin in, thanh ton
cc vin thng
V ngun vn: Vi mng li 146 Chi nhnh v
Phng giao dch rng khp 29 tnh thnh c nc,
cng s gn kt vi cc Tng cng ty in lc v cc
n v thnh vin, ABBANK khai thc ti a cc
th mnh ny trong vic trin khai cung cp thnh
cng dch v qun l ti khon cho cc n v trc
thuc EVN. Dch v ny va h tr cc n v EVN
c th qun l dng tin mt cch hiu qu, ng
thi huy ng ngun vn lun chuyn bnh qun
trn h thng ABBANK.
V tn dng: Trong nm 2014, ABBANK trin khai
chng trnh ti tr 1000 t tn dng cho cc nh
thu EVN. y l mt trong nhng sn phm c
trng ca ABBANK v ang phc v rt tt cho
cc cng ty cung cp thit b, thi cng, dch v cho
sn xut in trong nhng nm va qua. Bn cnh
, ABBANK cng trin khai ti tr cho cc d
n: Bn Cht, ng Nai 3+4, An Kh Kanak, trm
bin p 220 kV Hi Dng & Thi Bnh, d n Di
dn ti nh c nh my thy in Sn La p
ng kp thi ngun vn cho cc d n c hon
thnh v vn hnh trong bi cnh rt kh khn ca
hot ng thu xp vn.
Dch v thu h tin in: Hin nay, ABBANK
trin khai tng i a dng cc dch v thu h
tin in nh: thu tin mt ti quy Ngn hng
v quy in lc, thu chuyn khon, trch n t
ng trn Ti khon thanh ton, qua ATM v cc
Bu cc thuc Tng Cng ty Bu in Vit Nam
(VNPost). Trong nm 2014, doanh s thu h tin
in bng tin mt v chuyn khon gi mc n
nh so vi cng k nm 2013, tng gi tr thu tin
in bng tin mt v chuyn khon n thi im
31/12/2014 t 51.700 t ng. Knh thu h qua
mng li Bu cc Vietnam Post ti 21 tnh thnh

(19 tnh min Nam v 2 tnh min Trung) t hn
392.610 giao dch vi doanh s thu gn 250 t ng.
ABBANK trin khai cc dch v thu h tin in
trn ton h thng kh hiu qu trong nm 2014 v
ang tng bc ci tin nng cao cht lng cc
dch v p ng yu cu ngy cng cao ca khch
hng, hng ti mc tiu a dng ha thm cc
knh thu h trong giai on pht trin tip theo.
Mi quan h hp tc chin lc vi EVN khng ch
em li hiu qu cc hot ng kinh doanh, m
cn gip ABBANK c c nhng li th ln trong
hot ng pht trin thng hiu trn th trng ti
chnh. Thng qua vic trin khai cc sn phm dch
v tin ch nh thu h - chi h tin in... hnh nh
v thng hiu ca ABBANK tip cn c ti
s ng khch hng c nhn cng nh khch hng
doanh nghip c nhu cu v nhng sn phm dch
v gi tr gia tng, tch hp cng ngh cao, v tin ch
cho cuc sng.
Maybank
Nm 2014, C ng chin lc nc ngoi Maybank
(s hu 20% vn iu l) tip tuc h tr ABBANK trong
cac linh vc:
C chuyn gia am nhim chc danh Giam c
Khi Qun l Ri ro, Giam c Khi Chin lc v
Pht trin.
Phat trin san phm the lin kt h thng cua hai
ngn hang.
Tham gia, h tr quan tri ngn hang, kim soat,
quan ly rui ro, quan ly nhn s.
IFC
Nm 2014, T chc Tai chinh Quc t - IFC (s hu
10% vn iu l) tich cc h tr ABBANK trong cac
linh vc:
Cung cp gi t vn nh gi, i chun dch v
cho Doanh nghip va v nh (SMEs)

Tng han mc ti tr thng mi danh cho
ABBANK t 10 triu la ln 25 triu la.
T vn va giam sat thc hin cac kin nghi nng
cao nng lc qun tr ngn hng.
anh gia inh ky hoat ng kinh doanh, hoat ng
tin dung, cng tc x ly n va tun thu.
40
BO CO CA BAN IU HNH
41
BO CO THNG NIN 2014
U T TI CHNH
Nm 2014, nn kinh t v m ni chung v ngnh ti
chnh ngn hng ni ring c nhng chuyn bin
kh tch cc. Tuy nhin, vi ch trng u t an ton
v hiu qu ca Hi ng Qun tr v Ban Tng Gim
c, ABBANK thn trng r sot v nh gi li ton
b hiu qu ca danh mc u t hin ti. Trn c s
, ABBANK a ra cc phng n thoi vn i vi
nhng khon u t km hiu qu v t chi gp vn
thm vo cc t chc cha mang li li nhun k vng
v la chn c hi tt trn th trng thc hin bn
cc khon u t c phiu nim yt trn sn. Bn cnh
, ABBANK tch cc m rng quan h vi cc i tc
ln nhm tm kim c hi u t cng nh thoi vn
ph hp vi cc quy nh mi ca Chnh ph v Ngn
hng Nh nc.
i vi cc khon u t vo tri phiu t chc kinh t,
ABBANK ch trng qun l danh mc cht ch, m
bo t trng hp l trong c cu ti sn nhm qun l ri
ro v nng cao hiu qu s dng vn. ABBANK theo
di st sao v thng xuyn nh gi hot ng sn xut
kinh doanh, tnh hnh ti chnh ca cc t chc pht
hnh, thc hin thu hi y gc, li ca cc khon
u t n hn. Hin nay Ngn hng ang y mnh
cc hot ng hp tc v trao i vi cc cng ty chng
khon, cng ty qun l qu v cc t chc tn dng khc
tm kim cc c hi hp tc trong lnh vc t vn v
u t tri phiu doanh nghip trong nm 2015.
Vi vic ch ng nh gi xu hng li sut th trng,
hot ng u t v kinh doanh tri phiu chnh ph
trong nm 2014 ca ABBANK t nhiu thnh tu ni
bt vi quy m t hn 9.300 t ng, tng gn 2 ln so
vi 2013 v doanh s t trn 61.400 t ng, tng trn
3,5 ln so vi nm 2013. y l hot ng trng tm
ng gp mt khon ln vo li nhun ca ABBANK
nm 2014. c bit, trong nm 2014, ABBANK c
xp hng Top 10 thnh vin t doanh ln nht trn th
trng tri phiu chnh ph chuyn bit.
CNG NGH THNG TIN

Nm 2014, hot ng Cng ngh thng tin (CNTT) ca
ABBANK tip tuc t c cac thnh tu quan trng nh:
Tng cng tnh n nh v nng cao nng lc
ca h thng, p ng mc tiu pht trin di hn
ca Ngn hng, to iu kin sn sng v h tng
CNTT phc v pht trin cc dch v, hot ng
kinh doanh ca Ngn hng nh:
Hon thnh v a vo chy chnh thc Trung

tm D liu (TTDL) 36 Hong Cu H Ni t
thng 4 nm 2014;
Hoan thanh vic nng cp h thng Core banking
T24 ln phin ban mi vi cac chc nng nghip
vu b sung, tip tuc gia tng kha nng n inh va
an toan.
Nng cao cht lng v phi hp trin khai
cc d n quan trng: D n kt ni ATM gia
ABBANK v MayBank; D n thu ngn sch nh
nc; ng dng Qun l tn dng tp trung;
Thc hin tt cng tc bo tr m bo cc h
thng thit b CNTT quan trng ca ngn hng
vn hnh n nh, an ton;
V cng tac vn hnh h tr: h tr tt cng tc
pht trin mng li ca ABBANK. Nng cao cht
lng cng tc h tr ngi dng s dng thit b
CNTT bng vic p dng ng dng Qun l dch
v ca Trung tm h tr. m bo hot ng an
ton - n nh ca cc h thng thit b CNTT trn
ton h thng.
V cng tc qun tr vn hnh h tng CNTT: ch
trng tng cng gim st lin tc hot ng ca
cc h thng, m bo hat ng h thng lun
ngng an ton. H tng truyn thng vi m hnh
v cng ngh mi cng c trin khai hon tt
trong nm 2014.
V hot ng bo mt v gim st tun th chnh
sch CNTT: Trong nm 2014, tp trung vo cng
tc trin khai cc d n gii php bo mt, tng
hiu qu s dng h tng cng nh m bo ngn
nga v phng chng ch ng cc tn cng t bn
ngoi, gim thiu nguy c ngng hot ng ca h
thng dch v. Cng tc gim st h thng bo mt
h tng CNTT c thc hin thng xuyn thng
qua vic cp nht cc bn v, cc ng dng gii
php bo mt m bo an ninh thng tin trong
ton h thng.
QUN L RI RO
Cng tc Qun l ri ro (QLRR) ca ABBANK c
thit k m bo hng ti tun th cc nguyn tc
Qun tr ri ro do y ban Basel v gim st ngn hng
t ra. y l mt trong nhng mc tiu quan trng
42
BO CO CA BAN IU HNH
gn lin vi chin lc kinh doanh ca ABBANK nhm
kim sot hiu qu cc ri ro c th gp phi, cng nh
m bo cho h thng hot ng an ton, n nh.
Qun l ri ro tn dng
Nhm m bo s tng trng bn vng ca Ngn hng,
hot ng QLRR tn dng ca ABBANK phi m bo
p ng c cc yu cu v tiu chun v cn bng gia
thu nhp ri ro theo Khu v ri ro c HQT
ph duyt, nh sau:
Khu vc ri ro c lin kt cht ch vi chin lc
kinh doanh, k hoch vn ca ABBANK.
Xy dng chnh sch, c ch v pht trin ngun
lc tn dng:
Cc quy nh, quy trnh nhn din, nh gi, o
lng, gim st v bo co ri ro tn dng c
quy nh bng vn bn vi ni dung r rng v
c ph bin ti i tng p dng trong ton
h thng, m bo mnh v c p dng
nht qun. Vic qun l cc chnh sch, danh
mc v nh hng pht trin tn dng c
thc hin mt cch tp trung v ng b.
Cc quy nh tn dng c xy dng r
rng, nht qun theo hng thn trng, hiu
qu, tun th quy nh ca php lut v cc c
quan ban ngnh ca Nh nc, ph hp vi
quy m v mc phc tp trong hot ng
tn dng ca ABBANK. Trong nm 2014, Qun
l ri ro tn dng r sot quy nh lin quan
n hot ng cp tn dng nhm tun th quy
nh ca Ngn hng nh nc v t l an ton
trong hot ng, c bit, r sot v h thng li
cc chnh sch v nhn ti sn m bo, sng lc
khch hng, chnh sch v phn quyn cp tn
dng, quy nh v gii ngn, cng tc qun l v
x l n.
ABBANK thng xuyn ph bin v o to cho
i ng cn b tn dng v cc chnh sch tn dng.
Bn cnh , ABBANK cn thc hin r sot nh
k cp nht nhng thay i t bn trong v bn
ngoi ngn hng.
H thng Xp hng tn dng ni b c hnh
thnh theo tiu chun ca NHNN, c s dng
theo di, nhn dng, kim sot ri ro trong ph
duyt tn dng, phn loi n v trch lp d phng
ri ro; l c s xy dng chnh sch khch hng,
chnh sch tn dng ph hp.
Qun l danh mc u t tn dng:

Qun l danh mc c thc hin trn mc
ton danh mc, bm st nh hng tn dng/
cc tiu chun v ph hp Khu v ri ro ca
ngn hng.
Nm 2014, ABBANK hon thin cu trc danh
mc v thc hin vic gim st cht lng v cu
trc ca danh mc tn dng; gim st v gim
thiu ri ro tp trung tn dng; phn tch chuyn
su ri ro tn dng i vi sn phm kinh doanh.
Danh mc u t tn dng cng thng xuyn
c r sot nh k m bo s tun th
nghim ngt cc hn mc c cho php nhm
kim sot kp thi cc ri ro c th xy ra.
Qun l ri ro thanh khon v ri ro th

trng
Trong qu trnh hot ng, ABBANK lun tun th mi
quy nh ca Ngn hng Nh nc v cc t l an ton
hot ng.
Nm 2014, ABBANK tip tc thc hin vic nh gi
thc trng v xy dng m hnh o lng ri ro th
trng; thc hin r sot, iu chnh, b sung cc vn
bn, quy trnh qun l ri ro; hon thin cc chnh sch
v qun l ri ro thanh khon v th trng, hng ti
p dng cc tiu chun ca Hip c Basel II v cc quy
nh m bo an ton hot ng ngn hng.
ABBANK p dng mt s cng c o lng, cng
nh thit lp cc hn mc u t, hn mc giao dch,
hn mc trng thi ngoi t kim sot v m bo
ri ro nm trong mc cho php. Cc hn mc ny
nh k u c y Ban Qun l ti sn N - ti sn C
(ALCO) r sot v iu chnh cho ph hp vi tnh hnh
thc t ca th trng cng nh ca ngn hng.
Qun l ri ro bng cn i
ABBANK qun l ri ro bng cn i thng qua vic
thit lp cc c ch gim st v qun l thng nht i
vi ri ro li sut v ri ro thanh khon, bao gm cc
chnh sch, hn mc v bo co nh k.
Ri ro li sut
ABBANK trin khai cc cng c o lng, phn tch
v thc hin cc bo co nh gi v qun l ri ro li
sut nhm xc nh mc thay i ca thu nhp li
43
BO CO THNG NIN 2014
thun v gi tr vn ch s hu di tc ng ca cc
bin ng trn th trng.
Nhng chin lc v k hoch hnh ng v li sut
thng xuyn c xem xt v iu chnh ph hp da
trn cc bo co phn tch, nh gi v c cu ti sn N
- ti sn C. Qua , ABBANK xy dng cc chin lc
pht trin hot ng kinh doanh nhm bo m ti a
ha li nhun v kim sot, gim thiu ri ro trong gii
hn chu ng cho php.
Ri ro t gi
Ri ro t gi pht sinh t nhng bin ng bt li v t
gi hi oi gy ra s st gim gi tr i vi trng thi
ngoi t m ABBANK nm gi. Hot ng kinh doanh
ngoi hi ca ABBANK chu nh hng trc tip t s
bin ng t gi trn th trng.
Hin nay, hot ng kinh doanh ngoi hi ti ABBANK
ch yu bao gm cc giao dch giao ngay, giao dch k
hn, giao dch hon i thc hin vi cp tin USD VND. qun l ri ro t gi, ABBANK thit lp h
thng chnh sch qun l tp trung trng thi ngoi t
ca ton h thng. Bn cnh , ABBANK cng c cc
hn mc trng thi ngoi t ring cho tng ng ngoi
t cho tng n v kinh doanh.
Ri ro thanh khon
ABBANK lun a dng ha danh mc ti sn, duy tr
t l ti sn c tnh thanh khon cao v ch ng pht
trin cc cng c cnh bo sm nhm p ng cc nhu
cu v vn cho hot ng kinh doanh v m bo h
thng lun nm trong gii hn thanh khon an ton.
Cc ch s thanh khon, du hiu cnh bo khng
hong thanh khon cng nh tnh hnh bin ng ca
th trng lun c theo di, gim st thng xuyn.
T l an ton vn v cc ngng thanh khon khc u
tun th theo quy nh ca Ngn hng Nh nc. nh
k hoc t xut, ABBANK tin hnh thc hin kim
nh kh nng chu p lc da trn nhiu kch bn/gi
nh khc nhau i vi thanh khon nhm a ra cc
phng n d phng hiu qu.
C ng chin lc Maybank tip tc h tr ABBANK
thng qua vic thng xuyn c cc chuyn gia v Qun
l ri ro th trng sang chia s kinh nghim xy dng
c cu t chc v phng php qun l ph hp vi
thc trng Qun l ri ro th trng v Qun l ri ro
thanh khon ti ABBANK.
Lin quan ti cng tc qun l ri ro hot ng

Nm 2014, Qun l ri ro (QLRR) hot ng lun c
kim sot cht ch, bm st chin lc pht trin kinh
doanh v tun th khu v ri ro ca ABBANK.
Cc cng c QLRR hot ng c cp nht nh k,
gip ch hiu qu cho vic phn tch, nh gi v thc
hin cc bo co ri ro hot ng, xc nh c nhng
ri ro tim n trong hot ng, trong qu trnh r sot
cc quy trnh nghip v, vn bn, sn phm, dch v
mi v a ra bin php khc phc.
Cc chnh sch, c ch QLRR hot ng c cp nht
ph hp vi c cu t chc ca ABBANK, thc tin
qun l ri ro ca Vit Nam v thng l quc t.
Cc bn tin cnh bo ri ro hot ng hng thng t ra
hiu qu, cung cp kin thc nhm nng cao vn ha
qun l ri ro trong ABBANK, hn ch cc ri ro pht
sinh.
Ch trng nng cao hiu qu QLRR hot ng qua vic
nh gi, o lng cc cc ri ro trng yu nh qun tr
ti sn m bo, ri ro cng ngh thng tin, nhn s. H
thng d liu CoreBanking T24 c r sot thng
xuyn nhm pht hin v hn ch cc ri ro pht sinh,
bn cnh vic hon thin cc chnh sch QLRR hot
ng i vi h thng.
T chc thc hin kim tra, r sot h s ti sn m
bo ca khch hng th chp ti cc n v kinh doanh
nhm hn ch ti a cc ri ro gian ln.
Xy dng vn ha qun l ri ro ton h thng thng
qua cc bui hi tho, tp hun v QLRR, QLRR hot
ng. Vic nhn c nhiu s quan tm, chia s ca
cn b nhn vin nh gi mc hp tc cao ca ton
h thng trong QLRR hot ng ni ring v QLRR ni
chung.
Phi hp thng xuyn vi Ban Kim ton ni b nhm
pht hin cc ri ro tn ti v xut cc phng n
khc phc, phng nga.
44
BO CO CA BAN IU HNH
CC S KIN NG CH NM 2014
Thng 01/2014
Ngy 15/01/2014, ABBANK t chc i nhc hi Tt
An Bnh 2014 ln th 5 vi s tham gia ca nhiu
ngh s ni ting c truyn trc tip trn HTV9.
Ngy 14/03/2014, PGD ABBANK Hi An trc thuc

ABBANK Chi nhnh Qung Nam c thnh lp,
nng tng s im giao dch ca ABBANK ln 146
im rng khp 29 tnh/ thnh ton quc.
Trong thng 3, ABBANK ti tr xy nh cho i tng
chnh sch thuc tiu on Ty , tnh Cn Th.
Thng 04/2014
Ngy 23/04/2014, i hi c ng thng nin 2014
ca Ngn hng TMCP An Bnh (ABBANK) c
t chc long trng ti khch sn REX, TP. HCM.
Ngy 21/01/2014, ABBANK t chc hot ng Hin

mu nhn o ln th 6 ti khu vc TP. HCM, v
pht ng trin khai ti cc n v khc trn ton
h thng.
Thng 02/2014
Ngy 28/02/2014, ABBANK t chc Hi ngh Khi
ng kinh doanh ton hng nm 2014 ti TP. HCM.
Ngy 07/04/2014, ABBANK tham gia k kt h tr
vn vay u i cho cc doanh nghip, h sn xut
kinh doanh trn a bn Qun Tn Bnh, Tp.HCM.
Trong thng 4, ABBANK ng h Qu v ngi
ngho do Ban vn ng tnh Vnh Long v Ngn
hng Nh nc Chi nhnh tnh Vnh Long pht ng.
Thng 05/2014
Thng 03/2014
Ngy 01&02/03/2014, ABBANK t chc hi tho
chin lc ABBANK Kht vng v mc tiu
nhm xy dng tm nhn, s mnh v mc tiu
chin lc ca ABBANK trong giai on 05 nm ti.
T thng 05/2014, ABBANK chnh thc nm trong

danh sch cc t chc ti chnh ti Vit Nam tun
th o lut FATCA.
Thng 06/2014
Ngy 06/06/2014, HQT ABBANK ban hnh
Tm nhn chin lc tr thnh Ngn hng TMCP
hng u ti Vit Nam, tp trung vo lnh vc bn l.
Thng 07/2014
Ngy 14/07/2014, ABBANK v Maybank trin
khai kt ni thnh cng h thng ATM ca hai bn.
Ngy 21/07/2014, ABBANK chnh thc khai trng
Trung tm D liu 36 Hong Cu H Ni. y
l Trung tm D liu hin i, p ng nhng tiu
45
BO CO THNG NIN 2014
chun cao nht v an ton, m bo nn tng cng

ngh cho s pht trin bn vng ca ABBANK.
Ngy 21/07/2014, ABBANK v Tp on Kim ton

PwC (PricewaterhouseCoopers) k kt hp ng
T vn phng php lun nh gi iu chuyn
vn ni b (FTP: Fund Transfer Pricing), chnh
thc khi ng D n iu chuyn vn ni b - d
n trng im, gp phn thc hin s mnh v tm
nhn ca ABBANK.

Trong thng 7, ABBANK ng h chng trnh
Ngha tnh bin gii - bin o qu hng do
UBND tnh ng Thp v Ban ch o Ty Nam B
pht ng.

Trung tun thng 8/2014, ABBANK t chc
thnh cng Hi tho Chin lc dnh cho Qun l
cp trung Khu vc ng & Ty Nam B v Khu vc
TP.HCM.
Thng 09/2014
Ngy 21/09/2014 26/09/2014, ABBANK vinh d
tr thnh Ngn hng ng hnh duy nht cng Vn
phng Lnh s Malta ti Vit Nam trong vic t
chc chui s kin Tun l Malta ti Vit Nam
T thng 9 n thng 10, ABBANK t chc chng
trnh Teambuilding 2014 ABBANK - Kht vng v
Mc tiu dnh cho Cn b Nhn vin trn c nc.
Thng 08/2014
Ngy 23/08/2014, ABBANK t chc L ra mt CLB
Chi nhnh 1.000 t v PGD 200 t dnh cho cc n
v kinh doanh l top cc chi nhnh/PGD hng u
ca h thng.
u thng 9, ABBANK tip tc t chc hi tho

Chin lc v hi tho o c kinh doanh dnh
cho cn b cp trung ti H Ni v Nng.
T thng 8/2014, ABBANK pht ng chng trnh

H yu thng Chia s cng cng ng nm th
5 lin tip.
Cng trong thng 9, ng giao thng ni thn

cho nhn dn x Tn Tro Tnh Tuyn Quang do
ABBANK ti tr chnh thc hon cng v i vo
s dng.
Thng 10/2014
Ngy 10/10/2014, ABBANK vinh d l Nh ti tr
46
BO CO CA BAN IU HNH
Bc ca Hi tho thng nin Khu vc ASEAN do
Vin Nhn lc Ngn hng Ti chnh BTCI t chc
ti H Ni.
Ngy 20/11/2014, ABBANK tham gia l trao gii

Nhn ti t Vit vi t cch Nh ti tr Vng nm
th 7 lin tip.
T thng 10, chng trnh Top 10 Giao dch vin

chuyn nghip chnh thc trin khai trn ton
quc vi s tham gia 373 giao dch vin n t 36
n v trn ton h thng.
Trong thng 10, ABBANK ti tr 7,3 t ng xy
dng trng tiu hc Kim ng v trng tiu hc
th trn Bnh Minh, huyn Kim Sn, tnh Ninh Bnh.
Thng 11, ABBANK ti tr 1,5 t ng xy dng

nh hc 2 tng vi 2 phng hc cho trng mm
non X Pi Lng, Huyn Mo Vc, Tnh H Giang.
Thng 12/2014
Thng 11/2014
Ngy 30/11/2014, ABBANK phi hp cng UBND
huyn c C Tnh Gia Lai chnh thc khnh
thnh v bn giao cng trnh trng tiu hc V
Vn Kit, ti x IaDk, huyn c C, tnh Gia Lai
vi tng kinh ph 10 t ng do ABBBANK ti tr.
Ngy 27/11/2014, Hi ngh Ngi lao ng 2014

c ABBANK t chc trang trng ti Thnh ph
H Ch Minh, thu ht c hn 200 i din ngi
lao ng n t khp cc n v trn ton h thng.
T thng 11/2014, ABBANK tr thnh nh ti tr
duy nht ca chng trnh V mt tng lai xanhseri phim ngn vi nhng thng ip v bo v mi
trng, pht sng trn knh VTV3 vo lc 6h55
sng t th 2 n th 6 hng tun.
Ngy 05/12/2014 va qua, ABBANK chnh thc

t chc L cng b Quyt nh thnh lp Chi on
ABBANK v ra mt Ban chp hnh Chi on lm
thi ABBANK ti Hi s H Ch Minh.
Ngy 8/12/2014, ABBANK Chi nhnh Sn La t
chc l k nim 6 nm thnh lp Ngn hng An
Bnh Chi nhnh Sn La (8/12/2008 8/12/2014)
Ngy 9/12 n ngy 14/12/2014, ABBANK t chc
thm v tng qu cho B T lnh vng Cnh st
bin 2 v b con ng dn bm o L Sn theo
chng trnh Tt An Bnh 2015 vi ch Tt An
Bnh Ngha tnh bin o.
Ngy 17/12/2014, ABBANK vinh d c chn l

mt trong 4 ngn hng u tin ca Vit Nam phi
hp vi Cng ty CP Chuyn mch Ti chnh quc
gia Vit Nam (Banknet) trin khai dch v Chuyn
khon lin quc gia.
47
BO CO THNG NIN 2014
K HOCH KINH DOANH 2015

Nm 2015 c k vng l nm ca phc hi v tng
trng. iu ny c cng c t cc yu t n nh
ca Kinh t v m, nn kinh t ang c tn hiu tng
trng tt hn. Do , vi cc ng lc tng trng ca
sn xut kinh doanh v nn kinh t, nhu cu vn c
d bo s gia tng v hot ng ca cc ngn hng s
tng trng tch cc hn hn nm 2014.
Vi nhng tn hiu khi sc ca nn kinh t, bc sang
nm 2015, ABBANK s tip tc tp trung ton lc kin
ton c cu t chc, ng thi tng trng kinh doanh
theo ng nh hng ca Hi ng Qun tr; cc cng
tc v qun tr ri ro hiu qu cng nh chun ha cc
hot ng ca h thng ngn hng theo cc chun mc
quc t s tip tc c tp trung v pht trin. y
cng chnh l c s nn tng ABBANK t tin vo
kt qu kinh doanh nm 2015 s c s tng trng v
bt ph.
y mnh kinh doanh mng Khch

hng doanh nghip
Mc d c du hiu phc hi tr li, tuy nhin, d bo
nn kinh t trong nm 2015 vn cn nhiu kh khn,
thch thc. Tuy nhin, nhng thch thc ca nm 2015
cng chnh l c hi cho ABBANK khng nh nng
lc cnh tranh, uy tn v thng hiu trn th trng
ti chnh, ngn hng. Cc gii php kinh doanh trng
yu m ABBANK s trin khai y mnh kinh doanh
mng KHDN trong nm 2015 nh sau:
V nh hng, t chc bn hng

Tip tc khai thc tim nng rng ln ca th trng bn
l, ly phn khc khch hng doanh nghip va v nh
(SME) lm trng tm nhm m bo phn tn ri ro v
gia tng hiu qu hot ng. i vi phn khc khch
hng doanh nghip ln, ABBANK s tip cn c chn
lc, hp tc bn cht v an ton tng quy m.
Tng cng cng tc bn v bn cho sn phm dch v
vi cc nh ch ti chnh trn th gii cc lnh vc
thanh ton, ti tr thng mi, tng bc pht trin hnh
nh thng hiu ca ABBANK ra th trng quc t. Ly
ch tn v hiu qu lm mc tiu hng u trong vic
duy tr v pht trin mi quan h hp tc vi cc c ng
chin lc, i tc v khch hng trong v ngoi nc.
V cht lng dch v

Khng ngng nng cao cht lng dch v thng qua
cc gii php v nng cp c s vt cht ca h thng
knh phn phi (bao gm c cc knh phn phi phi
vt l nh Ebanking, Phone banking), ch trng u
t, hon thin cht lng ngun nhn lc v c bit l
kin ton b my hot ng, phng thc t chc, qun
l theo m hnh ngn hng bn l hin i.
V sn phm dch v
Ti a ha hiu qu v tin ch m khch hng nhn
c thng qua cc sn phm dch v, a dng, linh
hot, trn gi kt hp gia yu t cng ngh hin i,
an ton theo chun mc quc t v yu t c th theo
tng loi hnh, ngnh ngh kinh doanh, quy m v a
bn hot ng ca doanh nghip trong nc.
y mnh v khai thc ti a cc sn phm s dng
ngun vn gi r t NHNN (ti tr doanh nghip
va v nh theo d n SMEFP III), t cc nh ch
ti chnh (ti tr xut nhp khu, UPAS L/C, L/C refinancing), u tin ngun vn ny cho phn khc
khch hng mc tiu gia tng tnh cnh tranh v
hiu qu.
Tip tc nh hng bn l vi phn khc trng
tm l khch hng c nhn v doanh nghip va v
nh (SME).
Nng cao cht lng dch v thng qua vic qun
tr tt ri ro, hon thin chnh sch khch hng, a
dng ha knh phn phi, trong , ch trng u
t nng cp, m rng cc knh bn hng phi vt l
(nh Internet Banking, Phone Banking)
Gia tng tin ch cho khch hng thng qua cc gii
php v sn phm dch v vi 2 nh hng chnh
sau l: (i) Pht trin sn phm ng dng cng ngh
mi, hin i gip tng tin ch s dng v thun
tin cho KH trong giao dch; (ii) Pht trin theo gi
sn phm tch hp, p ng nhu cu trn gi v
hiu qu v mt chi ph cho khch hng.
Tip tc m rng quan h hp tc pht trin
kinh doanh, tng cng bn cho vi cc i tc
trong tp on, cc c ng, khch hng chin lc
v cc nh ch ti chnh.
48
BO CO CA BAN IU HNH
Khch hng c nhn Tp trung pht
trin theo nh hng ngn hng bn l
Theo xu th pht trin chung, th phn ngn hng bn
l (NHBL) Vit Nam s tng trng nhanh chng trong
nhng nm ti. Tuy nhin, nhiu Ngn hng Thng
mi (NHTM) trong nc cng nh cc nh ch ti
chnh nc ngoi ang hot ng ti Vit Nam u
ang tng cng tp trung pht trin hot ng NHBL.
Trong bi cnh , th trng kinh doanh nhiu tim
nng nhng s cnh tranh gia cc t chc tn dng s
ngy cng gay gt.
Vi nh hng chin lc tp trung vo lnh vc bn
l, hot ng khch hng c nhn s tp trung cung cp
nhng dch v NHBL hin i, hng n gia tri gia
tng cho khach hang thng qua cc sn phm, dch v
NHBL ng b, a dng, cht lng tt nht ph hp
vi cc phn on khch hng mc tiu.
Mc tiu trng tm:
Pht trin nhanh trn c s gi vng c th phn
c, pht trin v m rng th trng mi. Dch
v NHBL phi c pht trin theo hng kt hp
hi ha gia li ch ca khch hng vi li ch ca
ngn hng;
Hon thin v pht trin dch v NHBL phi c
tin hnh ng b vi cc dch v ngn hng khc
v phi hp vi cc b phn chc nng khc
pht huy hiu qu ca dch v ngn hng, thu ht
thm khch hng, tng li nhun v to mi lin
kt cht ch gia khch hng v ngn hng;
Chuyn mn ha v nng cao cht lng i ng
cn b hot ng trong lnh vc dch v NHBL, c
v trnh nghip v, tc phong giao dch v nhn
thc v tm quan trng ca dch v NHBL.
Pht trin thng hiu v mng li

Trong nm 2015, ABBANK s tp trung vo vic r
sot hiu qu ca h thng mng li, tin hnh t
chc, sp xp li mng li chi nhnh, phng giao
dch nhm t c hiu qu kinh doanh ti u.
Ngoi ra, Ngn hng cng tip tc pht trin h
thng mng li nu c Ngn hng Nh nc chp
thun. Bn cnh Ngn hng cng ch trng vic r
sot, kim tra, ci to, nng cao cht lng c s vt
cht ca cc im giao dch hin ti, xy dng hnh
nh ABBANK vi mng li giao dch rng khp v
thn thin vi khch hng.
Hot ng pht trin thng hiu ca ABBANK

trong nm 2015 s hng ti mc tiu chnh: nh
v thng hiu ABBANK gn lin vi hnh nh mt
ngn hng bn l thn thin, uy tn, gip n gn
khch hng hn, to s tin tng v thu ht s ng
cm t khch hng, t gip cng c thi tch
cc ca khch hng i vi thng hiu v sn phm
dch v ca ABBANK.
Duy tr nh v thng hiu, gia tng nhn bit
ti cc i tng khch hng mc tiu thng qua
cc hot ng qung b, truyn thng, h thng
bin/ bng qung co, ci tin v pht trin trang
thng tin ca ABBANK
Tng cng cc hot ng truyn thng, tip th
trc tip ti cc Chi nhnh trn ton quc.
Tng cng cc hot ng qung b, truyn thng
thng hiu gn vi sn phm dch v nhm gia
tng nhn bit ca khch hng v gia tng s
lng khch hng s dng sn phm dch v ca
ABBANK.
Trin khai cc hot ng v cng ng, c bit
l cc hot ng t thin, s chia kh khn n
ng bo trn c nc nhm tip tc cng c hnh
nh mt ABBANK thn thin, c trch nhim vi
cng ng.
Thc hin cc d n nghin cu th trng nhm
o lng nhn bit thng hiu, hi lng ca
khch hng vi ABBANK. Bn cnh tin hnh
nh gi hiu qu hot ng ca cng tc qung b,
truyn thng thng hiu c nhng iu chnh
ph hp vi nh hng v mc tiu pht trin ca
ABBANK.
Vn hnh hiu qu - Tng nng sut lao

ng Pht trin an ton
Trn c s nh hng ca Hi ng Qun tr, kt qu
kinh doanh 2014 v cc ch s cng nh cc d bo th
trng v phn tch v th ca ABBANK, cc hot ng
u tin v trng yu trong nm 2015 s gm:
Tp trung thc hin cc Mc tiu v Sng kin
Chin lc c HQT ph duyt
Ch ng ti cu trc theo chnh sch ca NHNN
v ch o ca HQT
49
BO CO THNG NIN 2014
Nng cao cht lng dch v thng qua trin khai

chng trnh Nng tm dch v khch hng
h), h thng thng tin bao cao tp trung v quan ly

tin dung, x ly n va canh bao n xu
Tp trung cho cng tc x l n v lnh mnh ha

danh mc tn dng
ng dng cc giai phap cng ngh hin i vo

trong cc sn phm, dch v p ng nhu cu, to
s tin li ti a v h thp chi ph giao dch ngn
hng cho khch hng; Trin khai gii php o ho
in ton m my trong h tng CNTT gip kim
sot v ti u chi ph u t, tn dng ti nguyn
sn c, n gin ha hot ng CNTT thng qua
qun l tp trung v t ng ha
Tng trng quy m v cu trc ti sn theo nh

hng bn l
Tng cng tit kim chi ph thng qua cc chnh
sch v gii php c th
Cng c h thng qun l vn hnh tp trung ti
Hi s
Gia tng ngun thu ph dch v, m bo s pht
trin bn vng ca thu nhp
Nng cao nng sut lao ng ton h thng, thu ht
v bi dng nhn ti
Pht trin cng ngh

Tip tc nh hng u t nng cp h thng
CNTT mt cch hiu qu, hp l, trin khai cc d
n p ng yu cu m bo hot ng n nh, an
ton an ninh thng tin v hot ng lin tc; tp
trung ngun lc h tr trc tip cac sang kin chin
lc ca ABBANK giai oan 2014-2018, bao gm
D an h thng kho d liu Data Warehouse, d an
iu chuyn vn ni b FTP, nng cp va cai tin
phat trin cac knh kinh doanh phi truyn thng
(internet banking, mobile banking, cac dich vu thu
Tng cng gim st cht lng dch v v quy

trnh ha cc nghip v h tr theo hng tham
kho tiu chun dch v CNTT quc t - ITI nhm
p ng nhanh, y v chnh xc cc yu cu
dch v h tr t ngi dng, cc phng ban nghip
v v n v kinh doanh Ngn hng
Pht trin ngun nhn lc

Trong nm 2015 v cc nm tip theo, ABBANK xc
nh trng tm chnh trong cng tc nhn s l:
Xy dng i ng nhn s c o c ngh nghip,
cam kt v nng sut lao ng cao
Xy dng mt mi trng lm vic coi trng tnh
sng to, t ch v c tnh k tha
Pht trin i ng qun l lnh o gii v nng
cao nng lc qun tr nhn s
50
T CHC V NHN S
ABBANK hng ti xy dng mt mi trng lm vic

coi trng cc tiu chun ngh nghip chuyn nghip;
mi n lc, thnh tch ca CBNV u c ghi nhn v
khen thng xng ng. Thng qua , mi CBNV u
gn kt vi h thng v t nng sut lao ng cao.
Hot ng quan tri ngun nhn lc lun nhn c
s quan tm sat sao t cc cp lnh o cao nht ca
ABBANK. Quan im ca ABBANK: Nhn l gc r cho
mi s pht trin bn vng. Quan im ung n nay
tao mi trng cho chc nng qun tr ngun nhn lc
c u t, t hoan thin va co c hi ong gop cho s
phat trin bn vng cua Ngn hang.
Hot ng qun l nhn s

Tnh ti 31/12/2014, ABBANK c 2.643 nhn s, tng 53
ngi so vi cui nm 2013.
Nhm nng cao cht lng tuyn dng v thu ht ng
vin c cht lng, ph hp, ABBANK tp trung ci
thin v i mi quy trnh tuyn dng:
Nng cao nng lc tuyn dng trc tuyn
Thit lp c ch qun l tuyn dng tp trung v
nht qun trn ton h thng
51
BO CO THNG NIN 2014
Ch trng vic nng cao hnh nh, uy tn thng

hiu nh tuyn dng, tng nhn bit v thng
hiu ABBANK i vi cc ng vin tim nng, trn
c s m rng mng li ng vin bng nhiu
hnh thc khc nhau
vn ha hng ti kt qu, ABBANK ban hnh Quy

ch nh gi kt qu thc hin cng vic ca CBNV,
ng thi iu chnh v chun ha h thng ch tiu kt
qu cng vic nhm thc hin nht qun vic nh gi
cn b. H thng ch tiu nh gi cng vic cng v
ang c xy dng v p dng t cc cp lnh o cao
nht ti tng CBNV. y chnh l c s nh gi mc
hon thnh cng vic v nng sut lao ng ca tng
c nhn.
Nm 2014, ABBANK t chc kho st v thng hiu

tuyn dng, kt qu cho thy a s cc ng vin v ngi
c kho st u nh gi cao v quy trnh tuyn dng
linh hot v hin i ca ABBANK, cng nh vic tip
cn vi thng tin tuyn dng ca Ngn hng.
Tin lng & chnh sch i ng
Nm 2014, nhm tng nng sut lao ng v xy dng
Nm 2014, ABBANK hon thnh d n nh gi cc
52
T CHC V NHN S
v tr cng vic trn ton h thng v xy dng thang
bng lng mi. D n hon tt vic chuyn i
lng sang h thng mi, trong phn cp r rng v
khoa hc gia cc v tr cng vic da trn cc tiu ch
khch quan v ph hp vi nhu cu ca Ngn hng.
Nhm hin thc ha mc tiu ca t chc v p ng
mong i ca CBNV, ng thi h tr thc y kinh
doanh, ABBANK v ang nghin cu p dng cc
c ch khen thng thng qua vic thit k v trin khai
cc chng trnh, chnh sch nhn s di hn. Nhng
chnh sch, ch trng ca lnh o Ngn hng i vi
cng tc tin lng v i ng c pht trin v tip
cn theo hng minh bch, cng bng gp phn lm
tng s hi lng ca CBNV v cam kt gn b lu di vi
t chc.
Quan h lao ng
Xy dng mi quan h lao ng tch cc, nhm to
mi trng lm vic thn thin v gn kt l mt trong
nhng mc tiu quan trng ca ABBANK. Ngn hng
thng xuyn thc hin cc chng trnh, hot ng
tp th nhm tip tc cng c cc gi tr ct li v
vn ha ca ABBANK; nh gi li h thng nh
gi cng vic xc nh cc vai tr v trch nhim
quan trng nht ca cn b cc cp bc khc nhau,
t to ra lung cng vic khoa hc v nht qun,
hn ch cc xung t; Thit k v t chc cc chng
trnh o to nhm nui dng s i mi, sng to
v a dng cho c cp nhn vin v qun l. ABBANK
khuyn khch cc chun mc o c mc cao
v mi cn b phi hiu c quy tc o c ngh
nghip ti ABBANK.
Bn cnh , Ngn hng hng ti vic nng cao cht
lng dch v nhn s, thng qua vic to ra c ch tip
cn dch v nhn s d dng v n gin; ng dng cng
ngh thng tin trong qun tr nhn s; Nng cao cht
lng i ng lm nhn s chuyn nghip v o to v
nng cao nng lc qun tr nhn s ca cc cp qun l.
c bit, cc thng tin v chnh sch v quy trnh, cc
chng trnh nhn s mi v c tc ng trc tip ti
tng cn b nhn vin c Ngn hng chia s v gii
thiu thng xuyn, nhm thu ht s tham gia ng gp
ca CBNV i vi vic nng cao cht lng ca dch v
nhn s ni chung.
Trong nm 2014, Ngn hng r sot v xy dng li
cc chc danh v m t cng vic nh gi c trch
nhim v yu cu ca mi v tr cng vic trn thc t, t
nh gi li trch nhim v mc giao quyn cng
nh quy trnh bo co mi cp bc trn ton h thng
ABBANK.
Cuc kho st s hi lng ca ton b CBNV ABBANK

cho thy cc ABBANKers hi lng vi mi trng
lm vic, v i ng qun l, cng tc o to v pht
trin ngun nhn lc ti Ngn hng. Qua cuc kho
st ny, cc CBNV cng ng gp cc tng ci
thin mi trng lm vic ABBANK tr thnh ni m
Ngi lao ng lun la chn lm vic.
o to v Pht trin ngun nhn lc

Ti ABBANK, o to v pht trin lun gn vi mc
tiu chun ha i ng, xy dng i ng k cn v tng
cng nng lc ca i ng qun l lnh o. Cc
chng trnh pht trin c thit tp trung vo:
K nng qun l, lnh o, giao tip, lm vic nhm
o to kin thc chuyn mn
a dng ha phng php o to v cch thc o
to
Cc chng trnh o to, chng trnh hc tp v
pht trin ngh nghip nhm tng cng nng lc
v hnh vi thc y hp tc nhm, hng ti mt
mi trng lm vic hp tc
Quy ch o to v cc quy trnh lin quan c ban
hnh trong nm 2014 quy nh r chnh sch pht
trin ngh nghip cn b (bao gm thuyn chuyn,
b nhim...) v to c s cho vic gim bt cc ro
cn bng vic chun b ngun lc b p cho s dch
chuyn ngun cn b ni b ny. ABBANK cng
t chc cc chng trnh i thoi v s pht trin
ngh nghip v chuyn mn gia lnh o v nhn
vin cng thit lp k hoch o to v pht trin
chuyn mn hng nm vi s coi trng pht trin
ngh nghip.
i vi cng tc pht trin i ng k cn, ABBANK
ng dng cc cng c nh gi c tha nhn v ng
tin cy la chn cn b k cn/k nhim v thit k
cc chng trnh o to trn gi, trong u tin o
to trn cng vic v hun luyn km cp ti ch i vi
cc ng vin tim nng.
a dng ha hnh thc o to c ABBANK trin
khai to thm nhiu c hi tip cn vi thng tin
v kh nng t hc ca CBNV. Chng trnh v phn
mm o to trc tuyn c Trung tm o to v
Pht trin phi hp vi Trung tm Qun l ng dng
CNTT cng xy dng c a vo th nghim t
nm 2014 vi cc ng dng ph hp vi quy m v
nhu cu hin ti ca ABBANK. Chng trnh s c
tip tc hon thin v a vo p dng chnh thc t
nm 2015.
53
BO CO THNG NIN 2014
Cng tc pht trin t chc

Nm 2014, ABBANK kin ton c cu t chc ca
ton Ngn hng, t Hi s ti cc n v kinh doanh,
m bo c ch ngnh dc v qun l tp trung nhm
tng hiu qu qun l v hot ng, h tr tch cc cho
cc n v trc tip kinh doanh.
C cu t chc ca n v kinh doanh c hon thin
theo hng tp trung cho b my kinh doanh, tinh gin
phn vn hnh v h tr ti Chi nhnh kin nh theo
nh hng tp trung ha.
Ti Hi s, qua 2 ln iu chnh c cu t chc, ABBANK

thnh lp c lp Ban Php ch v Tun th v Khi
Ti chnh K ton t 1 Khi chung l Dch v H tr.
S thay i c cu ny s gip nng cao nng lc qun l
ti chnh v cung cp dch v chung cho ton h thng,
ng thi nng cao nng lc qun tr ri ro v kim sot
ni b, gp phn nng cao s an ton cho hot ng ca
ABBANK. Bn cnh , trin khai thc hin Tm
nhn, S mnh v cc sng kin chin lc ca Ngn
hng, ABBANK thnh lp Vn phng Qun l d n
(PMO) di s ch o trc tip ca Ban ch o d n
do Thnh vin Hi ng Qun tr lm Trng ban.
54
THNG TIN C NG V QUN TR
NGN HNG
QUN TR NGN HNG NM 2014
Nm 2014, ngnh ngn hng tip tc i din vi cc
kho khn chung ca nn kinh t va vn n xu.
m bo hot ng n nh, bn vng, ABBANK tip
tc thc hin cc thng l qun tr v tun th cc quy
nh ca lut php, theo ui nh hng c t ra
t nm 2012 trong vic nng cao cht lng qun tr
Ngn hng. Cc vn bn nh iu l Ngn hng, Quy
tc qun tr doanh nghip, Quy inh v triu tp va t
chc ai hi c ng c iu chnh v ban hnh
mi nhm ph hp vi cc quy nh ca Nh nc.
Cc thng tin lin quan v minh bch hn c cng
b nh k qua website ca Ngn hng theo ng quy
nh ca Thng t 52/2012/TT-BTC v hng dn
cng b thng tin trn th trng chng khon do B
Ti chnh ban hnh ngy 05 thng 04 nm 2012.
Vi cam kt xy dng cc tiu chun cao nht v
gi tr o c, lim chnh v chuyn nghip trong
tt c cc hot ng, nm 2014, Hi ng Qun tr
ABBANK tip tc thc hin cng tc nh gi hiu
qu hot ng ca tng thnh vin nhm nng cao
hiu qu hn trong nhng nm tip theo. Cui nm
2014, ABBANK mi IFC tin hnh nh gi tnh hnh
qun tr doanh nghip mt cch c lp v Qun tr
doanh nghip vi c s l b nguyn tc qun tr tt
nht ca OECD. Cac chuyn gia se a ra khuyn ngh
tng hp cng vi k hoch hnh ng ca ABBANK,
nhm tng cng thc hin cc thng l quc t trong
qun tr doanh nghip.
Nhn thc v qun tr doanh nghip cn c y
mnh n cc Cn b nhn vin ABBANK qua vic
truyn thng qua cc knh thng tin a dng v B
Quy tc o c ngh nghip & ng x, nh Cng
thng tin Qun tr v cc knh truyn thng khc.
C CU QUN TR V T CHC
Cc c ng kim sot ca Ngn hng bao gm:
a. Tp on in lc Vit Nam s hu 76.856.018
c phn, tng ng 16,02% vn c phn ca
Ngn hng.
b. Malayan Banking Berhad (Maybank) s hu
95.961.422 c phn, tng ng 20,00% vn c
phn ca Ngn hng.
c. Cng ty c phn Xut nhp khu Tng hp H

Ni (Geleximco) s hu 62.333.062 c phn,
tng ng 12,99% vn c phn ca Ngn hng.
d. T chc Ti Chnh Quc t (IFC) s hu

48.000.000 c phn, tng ng 10% vn c
phn ca Ngn hng.
e. Cng ty CP Chng Khon VNDirect s hu
16.161.056 c phn, tng ng 3,37% vn c
phn ca Ngn hng.
f. B T Th Hng H s hu 9.600.860 c phn,
tng ng 2,00% vn c phn ca Ngn
hng.
g. ng V Vn Hu s hu 9.551.832 c phn,
tng ng 1,99% vn c phn ca Ngn
hng.
h. B V Th Hng s hu 7.690.479 c phn,
tng ng 1,60% vn c phn ca Ngn hng.
i. ng Nguyn Lm Vinh Huy s hu 6.218.123
c phn, tng ng 1,30% vn c phn ca
Ngn hng.
Theo iu l ca Ngn hng quy nh v cc yu cu ca
NHNNVN, hin Ngn hng p dng c cu qun tr sau:
1. i hi ng c ng.
2. Hi ng Qun tr.
3. Ban Kim sot.
4. Cc y ban thuc Hi ng Qun tr: y ban
Qun l ri ro, y ban v vn Nhn s.
5. Cc y ban thuc Ban iu hnh: Hi ng ri
ro, Hi ng Qun l Ti sn N - C, y Ban
phng, chng ra tin, Hi ng u t, Hi
ng Tn dng.
I HI NG C NG (GSM)
Trong nm 2014, i hi c ng thng nin c
t chc ngy 26/04/2014, ti Tp. H Ch Minh.
Cc c ng c quyn tham d i hi c ng c
thng bo qua th tn, website v bo ch ton quc vo
ngy 10/04/2014. Cc ti liu lin quan ca i hi c
gi km vi chng trnh ca i hi (hoc cung cp
cho nhng ngi c quyn tham d i hi c ng).
55
BO CO THNG NIN 2014
Th tc cng b chng trnh ngh s ca i hi n

cc c ng v cch thc cc c ng c th c c cc
ti liu lin quan n i hi c quy nh trong iu
l Ngn hng v cng b trn website ABBANK ti a
ch: www.abbank.vn.
Cc c ng c quyn tham d i hi c ng theo
quy nh ti mc VII iu 32 ca iu l Ngn hng.
Chng trnh ngh s ca i hi c ng thng nin,
phiu biu quyt v kt qu biu quyt, bin bn i
hi c cng b trn website Ngn hng ti a ch:
www.abbank.vn.
HI NG QUN TR
Vai tr ca Hi ng Qun tr
Quyn hn v nhim v ca Hi ng Qun tr c
quy nh r trong mc II - Quy ch Qun tr doanh
nghip v iu 55 - iu l Ngn hng.
Thnh phn ca Hi ng Qun tr

Hi ng Qun tr ca ABBANK bao gm 6 thnh vin,
trong c 5 thnh vin khng iu hnh v 1 thnh
vin c lp, nhim ky 2013 2017.
Theo Mc VIII iu 43 iu l Ngn hng, thnh vin
c lp l ngi p ng cc tiu chun sau:
Khng phi l ngi ang lm vic cho ABBANK
hoc cng ty trc thuc ca ABBANK hoc lm
vic cho ABBANK hoc cng ty trc thuc ca
ABBANK bt k thi gian no trong 03 (ba) nm
lin k trc .
Khng phi l ngi ang hng lng v th lao,
ph cp khc ca ABBANK ngoi nhng khon
c hng theo tiu chun thnh vin Hi ng
Qun tr.
Khng phi l ngi c v, chng, cha, m, con,
anh, ch, em v v, chng ca nhng ngi ny
56
THNG TIN C NG V QUN TR
NGN HNG
l c ng ln ca ABBANK, ngi qun l hoc
thnh vin Ban Kim sot ca ABBANK hoc cng
ty con ca ABBANK.
tip s hu hoc i din s hu t 1% (mt phn

trm) vn iu l hoc vn c phn c quyn biu
quyt tr ln ca ABBANK.
Khng phi l ngi qun l, thnh vin Ban Kim

sot ca ABBANK ti bt k thi im no trong 05
(nm) nm lin k trc ; khng trc tip, gin
Khng cng ngi c lin quan s hu t 5% (nm

phn trm) vn iu l hoc vn c phn c quyn
biu quyt tr ln ca ABBANK.
HI NG QUN TR
Tn v chc v
* iu hnh
** Khng iu hnh
c lp
Thnh vin HQT k t:
Ch tch HQT: V Vn Tin
10/06/2003
Ph Ch tch HQT: Mai Quc Hi
01/08/2010
Thnh vin: o Mnh Khng
27/05/2011
Thnh vin: Lee Tien Poh
27/05/2011
Thnh vin: Gayle McGuigan
28/04/2013
Thnh vin: Trn B Vinh
28/04/2013
Ghi ch:
* Thnh vin iu hnh l c nhn tham gia vo vic qun l cng vic hng ngy ca Ngn hng.
** Thnh vin khng iu hnh l c nhn khng tham gia vo vic qun l cng vic hng ngy ca Ngn hng hay bt
k cng ty con no ca Ngn hng.
Cc hot ng ca Hi ng qun tr
Trong nm 2014, Hi ng Qun tr hp mt 02 ln, va biu quyt bng vn ban.
Tnh hnh tham d cc cuc hp ca thnh vin Hi ng Qun tr nh sau:
CC HOT NG CA HI NG QUN TR
Tn v chc v
Cc cuc hp
tham d
Cc cuc hp
khng tham d
Cc cuc hp
iu kin tham d
2
2
57
BO CO THNG NIN 2014
Tnh hnh biu quyt bng vn ban ca thnh vin HQT nh sau:
CC HOT NG CA HI NG QUN TR
S lng vn bn hi
kin Thnh vin
Khng tham gia

biu quyt
C tham gia
biu quyt
40
38
33
28
42
40
53
51
54
52
54
53
Tn v chc v
nh gi Hi ng qun tr
Hi ng Qun tr thc hin cc quy ch nh gi v t nh gi theo ng khon 2.67 v 2.68 ca Quy ch Qun
tr Doanh nghip.
CC Y BAN THUC HI NG QUN TR
Hi ng Qun tr c cc y ban sau:
y ban Qun l Ri ro (RMC): c thnh lp nhm mc ch gip c quan qun tr cao nht ca Ngn hng
l Hi ng Qun tr thc hin cc quyn v ngha v ca mnh trong vic quyt nh chnh sch qun l ri ro
v gim st thc thi cc bin php phng nga ri ro ca Ngn hng (tr nhng vn thuc thm quyn ca
i hi ng c ng).
y ban Nhn s (HRC): c thnh lp nhm mc ch gip c quan qun tr cao nht ca Ngn hng l Hi
ng Qun tr thc hin tt c cc quyn v ngha v ca mnh trong vic quyt nh chnh sch qun tr v c
cu nhn s ca Ngn hng (tr nhng vn thuc thm quyn ca i hi ng c ng).
CC Y BAN THUC BAN IU HNH
Ban iu hnh c cc y ban sau y:
Hi ng Tn dng (CC): c thnh lp nhm mc ch m bo cht lng tn dng trn ton h thng
ABBANK n nh v hiu qu.
Hi ng Ri ro (ERC): c ch nh gim st mc ri ro nhm kim tra tt c cc vn ri ro, ngoi tr
ri ro th trng v ri ro thanh khon; trnh ln RMC gii quyt v ra quyt nh i vi nhng vn vt
thm quyn ca ERC.
Hi ng u t (IC): c thnh lp nhm mc ch nng cao tnh chuyn nghip v s cn trng trong qu
trnh u t; Tng cng Gim st hiu qu v cht lng ca cc d n u t; m bo ch kim sot,
qun l ri ro trong hot ng u t.
Hi ng Qun l Ti sn N - C (ALCO): c thnh lp h tr Hi ng Qun tr trong vic qun l ri
ro thanh khon v ri ro th trng. ALCO chu trch nhim chnh v vic pht trin, thc thi v xem xt cc
quy ch, chin lc v chnh sch lin quan n vic qun l bng cn i k ton, qun l vn v qun l ri ro
th trng cng nh ri ro thanh khon ca Ngn hng.
y ban Phng, Chng ra tin (AMLC): c thnh lp thc hin nhim v phng, chng ra tin theo quy
nh php lut Vit Nam, cc cam kt quc t v quy nh ca ABBANK.
58
PHT TRIN THNG HIU V
HOT NG X HI
59
BO CO THNG NIN 2014
60BRAND MANAGEMENT AND SOCIAL ACTIVITIES

PHT TRIN THNG HIU V
HOT NG X HI
Sau hn 21 nm xut hin trn th trng Ti chnh
Ngn hng, ABBANK tr thnh mt thng hiu
uy tn v thn thuc. Hot ng vi nh hng l
mt Ngn hng bn l thn thin, ABBANK lun kt
hp hi ha gia hot ng kinh doanh v hot ng
an sinh x hi, hot ng v cng ng. Hng nm
ABBANK u dnh ngn sch cho cc hot ng t
thin, x hi, ti tr an sinh x hi, chia s vi ngi
ngho, ngi c hon cnh kh khn trn khp c
nc, ng bo vng su vng xa, gp phn vo ch
trng x hi ha trong xy dng v pht trin t
nc, cc chnh sch thuc Chng trnh mc tiu
quc gia gim ngho. Vi mc tiu theo ui gi tr
tt p ny, ABBANK ch trng trin khai cc hot
ng t thin, an sinh x hi, ng thi y mnh
cc chng trnh xc tin u t pht trin cc khu
vc dn c cn ngho kh nh khu vc Ty Bc, Ty
Nguyn, Ty Nam B. Cc lnh vc chnh ABBANK
u t bao gm hot ng h tr vt cht v kinh ph
xy dng ng giao thng nng thn v ng ni
ng trn a bn x Tn Tro (tnh Tuyn Quang);
Xy dng cc cng trnh trng hc ti cc huyn,
x vng su, vng xa, gp phn to thm nhiu c
hi cho cc hc sinh dn tc thiu s v kh khn
c cp sch n trng: H tr xy dng cc cng
trnh trng tiu hc Kim ng v trng tiu hc
th trn Bnh Minh, huyn Kim Sn, tnh Ninh Bnh;
Ti tr xy dng nh hc 2 tng vi 2 phng hc cho
trng mm non x Pi Lng, huyn Mo Vc, tnh
H Giang; Phi hp cng UBND huyn c C
tnh Gia Lai trin khai xy dng cng trnh trng
tiu hc V Vn Kit - huyn c C tnh Gia Lai
Nm 2014 cng l nm ABBANK t chc nhiu
hot ng hng v bin o. ABBANK tch cc
trong hot ng ng h chng trnh Ngha tnh bin
gii - bin o qu hng do Ban ch o Ty Nam B
v UBND tnh ng Thp pht ng theo ch trng
ca Chnh ph, chng trnh H Yu Thng do
ABBANK t chc, hng n con em ng dn ti cc
tnh Khnh Ha, Qung Nam, Nng trong dp khai
trng. c bit, chng trnh Tt An Bnh nm th
06 c ABBANK xy dng vi ch Tt An Bnh
Ngha tnh bin o nh mn qu tinh thn, kt
ni gn hn ma xun gia t lin v ni o xa. Bn
cnh , Ban lnh o ABBANK cng cn b nhn

vin cng trc tip mang ti nhng mn qu thit
thc, gp phn ng vin v h tr chm lo Tt cho
cc h ng dn ngho bm bin ca huyn o L Sn
(tnh Qung Ngi) v cc chin s thuc B T lnh
Vng Cnh st bin 2 (huyn Ni Thnh tnh Qung
Nam)
Cng vi vic hng ng cc chnh sch ca Chnh
ph v Nh nc v cng tc an sinh x hi, ABBANK
cng rt tch cc v ch ng trin khai cc hot
ng thin nguyn, bo v mi trng. Nm 2014,
ABBANK tham gia ti tr chng trnh truyn hnh
V mt tng lai xanh pht sng trn VTV3, thng
qua , gp ting ni ku gi thc sng xanh, thc
gn gi v xy dng mi trng v ti nguyn thin
nhin. Cn b nhn vin ABBANK cng ho hng
tham gia cc hot ng thc t do chng trnh pht
ng nh: Bo v mi trng Vnh H Long, lm xanh
mi trng huyn o L Sn
Nhng hot ng x hi m ABBANK trin khai
li du n tch cc i vi cng chng, tng cng uy
tn, lng tin ca c ng, i tc, khch hng v nim
t ho ca ton th nhn vin ABBANK v mt Ngn
hng thn thin, c trch nhim vi cng ng. iu
ny chng t cc hot ng v pht trin thng hiu
ca ABBANK v ang i ng hng, gip cng c
v gia tng uy tn thng hiu ca ABBANK trn th
trng Ngn hng.
ABBANK: SN PHM DCH V

THN THIN, HIN I
Thng hiu ABBANK c bit n l mt Ngn hng

bn l hin i vi vic a dng cc sn phm dch v,
p ng ti a nhu cu khch hng. Cc chng trnh
khuyn mi, u i, chm sc khch hng, sn phm
dch v mi, c bit l sn phm dch v cng ngh
cao, ngn hng in t dnh cho khch hng c nhn,
khch hng doanh nghip c ABBANK qung b
rng ri trn cc knh truyn thng i chng v a
phng, c bit y mnh hot ng qung b online,
mng x hi gip qung b hnh nh su rng hn n
nhiu i tng khch hng.
61
BO CO THNG NIN 2014
ABBANK: MNG LI RNG KHP

Nm 2014 ABBANK ch trng y mnh cc hot ng
truyn thng, tng cng s xut hin tch cc ca
thng hiu ti tng chi nhnh, a phng, to nn
n tng v mt Ngn hng bn l thn thin, uy tn:
Tng cng h thng bin bng qung co cho
cc Chi nhnh, h tr vic kim sot hnh nh
thng hiu ti a phng nhm m bo hnh
nh thng hiu thng nht trn ton h thng.
Tng cng cc hot ng h tr kinh doanh ti
Chi nhnh nh: Cc hot ng tip th trc tip
vi cc hnh thc ph hp gip hnh nh v sn

phm dch v ABBANK tip cn gn hn n cc
khch hng ti tng a phng, tham d Hi ch
trin lm VietBuild 2014 ti H Ni vi s lng
khch tham quan trin lm hn 350.000 ngi.
Tham gia ti tr cc s kin, hot ng ngha ti
a phng nh: Tham gia qung co ti Festival
n ca ti t quc gia tnh Bc Liu, ng gp
Qu v ngi ngho ti Vnh Long, tham gia ti
tr Gii ua xe p Bnh Dng Ngy mi 2014,
tham gia ti tr s kin vn ha cho nm mi
2015 ti Cn Th.
62
BO CO TI CHNH
63
BO CO THNG NIN 2014
64
BO CO TI CHNH
S: 622/VN1A-HC-BC
BO CO KIM TON C LP
Knh gi:

Cc C ng, Hi ng Qun tr v Ban iu Hnh

Ngn hng TMCP An Bnh
Chng ti kim ton bo co ti chnh km theo ca Ngn hng TMCP An Bnh (gi tt l Ngn hng), c lp ngy
31 thng 3 nm 2015 t trang 4 n trang 62, bao gm Bng cn i k ton ti ngy 31 thng 12 nm 2014, Bo co kt qu
hot ng kinh doanh, Bo co lu chuyn tin t cho nm ti chnh kt thc cng ngy v Bn thuyt minh bo co ti
chnh (gi chung l bo co ti chnh ring).
Trch nhim ca Ban iu hnh
Ban iu hnh Ngn hng chu trch nhim v vic lp v trnh by trung thc v hp l bo co ti chnh ring ca Ngn
hng theo chun mc k ton, ch k ton p dng cho cc t chc tn dng ti Vit Nam v cc quy nh php l c lin
quan n vic lp v trnh by bo co ti chnh v chu trch nhim v kim sot ni b m Ban iu hnh xc nh l cn
thit m bo cho vic lp v trnh by bo co ti chnh ring khng c sai st trng yu do gian ln hoc nhm ln.
Trch nhim ca Kim ton vin
Trch nhim ca chng ti l a ra kin v bo co ti chnh ring da trn kt qu ca cuc kim ton. Chng ti
tin hnh kim ton theo chun mc kim ton Vit Nam. Cc chun mc ny yu cu chng ti tun th chun mc v
cc quy nh v o c ngh nghip, lp k hoch v thc hin cuc kim ton t c s m bo hp l v vic liu
bo co ti chnh ring ca Ngn hng c cn sai st trng yu hay khng.
Cng vic kim ton bao gm thc hin cc th tc nhm thu thp cc bng chng kim ton v cc s liu v thuyt minh
trn bo co ti chnh ring. Cc th tc kim ton c la chn da trn xt on ca kim ton vin, bao gm nh gi
ri ro c sai st trng yu trong bo co ti chnh ring do gian ln hoc nhm ln. Khi thc hin nh gi cc ri ro ny,
kim ton vin xem xt kim sot ni b ca Ngn hng lin quan n vic lp v trnh by bo co ti chnh ring trung
thc, hp l nhm thit k cc th tc kim ton ph hp vi tnh hnh thc t, tuy nhin khng nhm mc ch a ra
kin v hiu qu ca kim sot ni b ca Ngn hng. Cng vic kim ton cng bao gm nh gi tnh thch hp ca cc
chnh sch k ton c p dng v tnh hp l ca cc c tnh k ton ca Ban iu hnh cng nh nh gi vic trnh
by tng th bo co ti chnh ring.
Chng ti tin tng rng cc bng chng kim ton m chng ti thu thp c l y v thch hp lm c s cho
kin kim ton ca chng ti.
kin ca Kim ton vin
Theo kin ca chng ti, bo co ti chnh ring km theo phn nh trung thc v hp l, trn cc kha cnh trng yu,
tnh hnh ti chnh ca Ngn hng ti ngy 31 thng 12 nm 2014, cng nh kt qu hot ng kinh doanh v tnh hnh
lu chuyn tin t cho nm ti chnh kt thc cng ngy, ph hp vi chun mc k ton, ch k ton p dng cho cc
t chc tn dng ti Vit Nam v cc quy nh php l c lin quan n vic lp v trnh by bo co ti chnh.
L nh T
Ph Tng Gim c
Chng nhn ng k hnh ngh kim ton
s 0488-2013-001-1
Thay mt v i din cho
CNG TY TNHH DELOITTE VIT NAM
Ngy 31 thng 03 nm 2015
Thnh ph H Ch Minh, CHXHCN Vit Nam
Trn Th Kim Khnh

Kim ton vin
s 0395-2013-001-1
65
BO CO THNG NIN 2014
BNG CN I K TON
Ti ngy 31 thng 12 nm 2014
Mu
MuB02/TCTD
B02/TCTD
n
ng
nv:
v:Triu
Triu ng
BALANCE SHEET
As at 31 December 2013
TI SN
Tin mt, vng bc, qu
Tin gi ti Ngn hng Nh nc ("NHNN")
Tin gi ti cc t chc tn dng ("TCTD") khc v cho vay cc
TCTD khc
Tin gi ti cc TCTD khc
Cho vay cc TCTD khc
Chng khon kinh doanh
D phng gim gi chng khon kinh doanh
Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc
Cho vay khch hng
Cho vay khch hng
D phng ri ro cho vay khch hng
Chng khon u t
Chng khon u t sn sng bn
Chng khon u t gi n ngy o hn
D phng gim gi chng khon u t
Gp vn, u t di hn
u t vo cng ty con
u t vo cng ty lin kt
u t di hn khc
D phng gim gi u t di hn
Ti sn c nh
Ti sn c nh hu hnh
a. Nguyn gi
b. Hao mn
Ti sn v hnh
a. Nguyn gi
b. Hao mn
Ti sn c khc
Cc khon phi thu
Cc khon li, ph phi thu
Ti sn c khc
Cc khon d phng ri ro cho cc ti sn c ni bng khc
TNG TI SN
Thuyt
minh
31/12/2014
31/12/2013
5
6
7
441.458
716.590
19.538.434
420.853
1.375.631
16.116.388
7.1
7.2
2.874.511
16.663.923
4.768
25.495.490
25.969.150
(473.660)
15.004.910
10.834.698
4.289.643
(119.431)
516.901
200.000
51.905
268.791
(3.795)
1.019.076
591.766
824.678
(232.912)
427.310
533.856
(106.546)
4.460.422
2.803.919
885.140
816.062
(44.699)
2.204.730
13.911.658
2.047
4.711
(2.664)
1.078
22.993.281
23.646.752
(653.471)
11.125.384
5.242.479
5.886.356
(3.451)
514.507
200.000
51.905
268.039
(5.437)
864.984
591.334
776.790
(185.456)
273.650
358.502
(84.852)
4.377.744
2.939.486
941.112
559.546
(62.400)
67.198.049
57.791.897
8
9
10
10.1
10.2
10.3
11
11.1
11.2
11.3
11.4
12
13
14
14.1
14.2
14.3
66
BO CO TI CHNH
BNG CN I K TON (Tip theo)
Mu B02/TCTD
n v: Triu ng
Thuyt
minh
31/12/2014
31/12/2013
Tin gi v vay cc TCTD khc

Tin gi ca cc TCTD khc
15
15.308.737
3.310.667
10.353.705
12.929
Vay cc TCTD khc

Tin gi ca khch hng
Vn ti tr, y thc u t, cho vay TCTD chu ri ro
16
17
18
11.998.070
45.403.725
120.782
10.340.776
37.349.312
63.570
3.446.620
19
9
678.937
554.954
123.983
-
854.582
767.326
63.468
23.788
5.685.868
5.247.165
4.798.000
449.165
294.067
144.636
5.724.108
5.247.165
4.798.000
449.165
289.101
187.842
67.198.049
57.791.897
NGUN VN
Pht hnh giy t c gi

Cc khon n khc
Cc khon li, ph phi tr
Cc khon phi tr v cng n khc
D phng ri ro khc (D phng cho cng n tim n v cam kt
ngoi bng)
Vn v cc qu
Vn ca TCTD
a. Vn iu l
b. Thng d vn c phn
Qu ca TCTD
Li nhun cha phn phi
TNG NGUN VN
21
21.1
21.1
21.2
21.1
67
BO CO THNG NIN 2014
CC CH TIU NGOI BNG CN I K TON

OFF-BALANCE SHEET ACCOUNTS
As at 31 Dec 2013
Mu B02/TCTD
FORM
B02/TCTD
n
ng
nv:
v: Triu
Triu ng
Thuyt
minh
Ngha v n tim n
Th tn dng cha thanh ton
Bo lnh khc
_________________________
ng Nguyn Cng Anh
Ph phng Ti chnh K ton
37
______________________
ng Bui Quc Vit
K toan trng
31/12/2014
31/12/2013
4.785.899
625.092
4.160.807
4.785.899
2.722.431
517.073
2.205.358
2.722.431
_______________________
ng Phm Duy Hiu
Tng Giam c
68
BO CO TI CHNH
BO CO KT QU
DOANH
BOHOT
CONG
KTKINH
QU
HOT
NG KINH DOANH
Cho nm ti chnh kt thc ngy 31 thng 12 nm 2014
minh
2014
2013
22
23
4.102.592
(2.635.049)
1.467.543
107.789
(78.383)
29.406
56.687
561
4.105.992
(2.790.190)
1.315.802
172.533
(76.682)
95.851
24.873
948
47.979
60.110
(24.000)
36.110
20.544
(1.095.646)
563.184
37.113
63.371
(16.577)
46.794
64.459
(1.052.377)
533.463
(429.566)
133.618
(26.809)
106.809
(342.705)
190.758
(33.118)
157.640
Thuyt
CH TIU
Thu t li v cc khon thu nhp tng t
Chi ph li v cc khon chi ph tng t
Thu thun t li v cc khon thu nhp tng t
Thu nhp t cc khon ph v hoa hng
Chi ph cho cc khon ph v hoa hng
Li thun t cc khon ph v hoa hng
Li thun t kinh doanh ngoi hi
Li thun t mua bn chng khon
kinh doanh
Li thun t mua bn chng khon u t
Thu t hot ng kinh doanh khc
Chi ph hot ng khc
Thu nhp t hot ng kinh doanh khc
Thu nhp t gp vn, mua c phn
Chi ph hot ng
Li nhun thun trc d phng cho cc khon ri ro
tn dng
D phng cho cc khon ri ro tn dng
Li nhun trc thu
Chi ph thu thu nhp doanh nghip hin hnh
Li nhun sau thu
_________________________
ng Nguyn Cng Anh
4.105.384
Mu B03/TCTD
n v: Triu ng
24
24
24
25
26
27
28
29
9
30
______________________
ng Bui Quc Vit
K toan trng
_______________________
ng Phm Duy Hiu
Tng Giam c
69
BO CO THNG NIN 2014
BO CO LU CHUYN TIN T

Mu B04/TCTD
n v: Triu ng
CH TIU
LU CHUYN TIN T HOT NG KINH DOANH
Thu nhp li v cc khon thu nhp tng t nhn c
Chi ph li v cc khon chi ph tng t tr
Thu nhp t hot ng dch v nhn c
Chnh lch s tin thc thu t hot ng kinh doanh (ngoi t v
chng khon)
Thu nhp khc
Tin thu cc khon n c x l xa, b p bng ngun d
phng ri ro
Tin chi tr cho nhn vin v hot ng qun l, cng v
Tin thu thu nhp thc np trong nm
Lu chuyn tin thun t hot ng kinh doanh trc nhng thay
i v ti sn v vn lu ng
Nhng thay i v ti sn hot ng
Bin ng cc khon tin gi v cho vay cc TCTD khc
Bin ng cc khon v kinh doanh chng khon
Bin ng cc khon v cng c ti chnh phi sinh v cc ti sn ti
chnh khc
Bin ng cc khon cho vay khch hng
Bin ng ngun d phng b p tn tht cc khon (tn dng,
chng khon, u t di hn)
Bin ng khc v ti sn hot ng
Nhng thay i v cng n hot ng
Bin ng cc khon tin gi, tin vay cc TCTD
Bin ng cc khon tin gi ca khch hng
Bin ng cc khon pht hnh giy t c gi
Bin ng cc khon vn ti tr, y thc u t, cho vay m TCTD
chu ri ro
Bin ng v n phi tr khc
Chi t cc qu ca TCTD
Lu chuyn tin thun t hot ng kinh doanh
2014
2013
4.139.393
(2.847.421)
29.406
140.239
4.206.774
(2.618.384)
95.851
96.986
22.381
13.729
46.794
-
(1.045.840)
(1.035.436)
(22.347)
429.540
(77.987)
714.598
2.002.764
(3.090.733)
(3.690)
(2.630.810)
(4.365.981)
551
(2.322.398)
(554.860)
(4.890.975)
(207.603)
(112.945)
2.168.317
4.955.032
8.054.413
(3.446.620)
57.212
3.955.060
8.409.495
(1.177.416)
(12.032)
47.653
6.015.368
62.200
(27.209)
1.998.195
70
BO CO TI CHNH
BO CO LU CHUYN TIN T (Tip theo)
Mu B04/TCTD
n v: Triu ng
CH TIU
2014
2013
Mua sm ti sn c nh
Tin thu c tc v li nhun c chia t cc khon u t, gp vn
di hn
(220.246)
9.544
(134.254)
11.459
Lu chuyn tin thun t hot ng u t
(210.702)
(122.795)
LU CHUYN TIN T HOT NG TI CHNH

Tng vn c phn t gp vn v pht hnh c phiu
C tc tr cho c ng
(118.230)
388.700
(292.666)
Tin thu c do bn c phiu ngn qu

Lu chuyn tin thun t hot ng ti chnh
Lu chuyn tin v tng ng tin thun trong nm
(118.230)
5.686.436
37.307
133.341
2.008.741
10.399.107
16.085.543
8.390.366
10.399.107
LU CHUYN TIN T HOT NG U T
Tin v cc khon tng ng tin u nm

Tin v cc khon tng ng tin cui nm
(Thuyt minh s 31)
_________________________
ng Nguyn Cng Anh
______________________
ng Bui Quc Vit
K toan trng
_______________________
ng Phm Duy Hiu
Tng Giam c
71
BO CO THNG NIN 2014
S: 623/VN1A-HC-BC
BO CO KIM TON C LP
Knh gi:
Cc C ng, Hi ng Qun tr v Ban iu hnh

Ngn hng TMCP An Bnh
Chng ti kim ton bo co ti chnh km theo ca Ngn hng TMCP An Bnh (gi tt l Ngn hng), c lp ngy
31 thng 3 nm 2015 t trang 4 n trang 62, bao gm Bng cn i k ton hp nht ti ngy 31 thng 12 nm 2014, Bo
co kt qu hot ng kinh doanh hp nht, Bo co lu chuyn tin t hp nht cho nm ti chnh kt thc cng ngy v
Bn thuyt minh bo co ti chnh hp nht (gi chung l bo co ti chnh hp nht).
Trch nhim ca Ban iu hnh
Ban iu hnh Ngn hng chu trch nhim v vic lp v trnh by trung thc v hp l bo co ti chnh hp nht ca Ngn
hng theo chun mc k ton, ch k ton p dng cho cc t chc tn dng ti Vit Nam v cc quy nh php l c lin
quan n vic lp v trnh by bo co ti chnh v chu trch nhim v kim sot ni b m Ban iu hnh xc nh l cn
thit m bo cho vic lp v trnh by bo co ti chnh hp nht khng c sai st trng yu do gian ln hoc nhm ln.
Trch nhim ca Kim ton vin
Trch nhim ca chng ti l a ra kin v bo co ti chnh hp nht da trn kt qu ca cuc kim ton. Chng ti
tin hnh kim ton theo chun mc kim ton Vit Nam. Cc chun mc ny yu cu chng ti tun th chun mc
v cc quy nh v o c ngh nghip, lp k hoch v thc hin cuc kim ton t c s m bo hp l v vic
liu bo co ti chnh hp nht ca Ngn hng c cn sai st trng yu hay khng.
Cng vic kim ton bao gm thc hin cc th tc nhm thu thp cc bng chng kim ton v cc s liu v thuyt minh
trn bo co ti chnh hp nht. Cc th tc kim ton c la chn da trn xt on ca kim ton vin, bao gm nh
gi ri ro c sai st trng yu trong bo co ti chnh hp nht do gian ln hoc nhm ln. Khi thc hin nh gi cc ri
ro ny, kim ton vin xem xt kim sot ni b ca Ngn hng lin quan n vic lp v trnh by bo co ti chnh
hp nht trung thc, hp l nhm thit k cc th tc kim ton ph hp vi tnh hnh thc t, tuy nhin khng nhm
mc ch a ra kin v hiu qu ca kim sot ni b ca Ngn hng. Cng vic kim ton cng bao gm nh gi tnh
thch hp ca cc chnh sch k ton c p dng v tnh hp l ca cc c tnh k ton ca Ban iu hnh cng nh
nh gi vic trnh by tng th bo co ti chnh hp nht.
Chng ti tin tng rng cc bng chng kim ton m chng ti thu thp c l y v thch hp lm c s cho
kin kim ton ca chng ti.
kin ca Kim ton vin
Theo kin ca chng ti, bo co ti chnh hp nht km theo phn nh trung thc v hp l, trn cc kha cnh trng
yu, tnh hnh ti chnh hp nht ca Ngn hng ti ngy 31 thng 12 nm 2014, cng nh kt qu hot ng kinh doanh
hp nht v tnh hnh lu chuyn tin t hp nht cho nm ti chnh kt thc cng ngy, ph hp vi chun mc k ton,
ch k ton p dng cho cc t chc tn dng ti Vit Nam v cc quy nh php l c lin quan n vic lp v trnh
by bo co ti chnh.
L nh T
Ph Tng Gim c
s 0488-2013-001-1
Thay mt v i din cho
CNG TY TNHH DELOITTE VIT NAM
Thnh ph H Ch Minh, CHXHCN Vit Nam
Trn Th Kim Khnh

Kim ton vin
s 0395-2013-001-1
72
BO CO TI CHNH
BNG CN I K TON HP NHT
BALANCE SHEET
As at 31 December 2014
TI SN
Tin mt, vng bc, qu
Tin gi ti Ngn hng Nh nc ("NHNN")
Tin gi ti cc t chc tn dng ("TCTD") khc v cho vay cc TCTD khc
Tin gi ti cc TCTD khc
Cho vay cc TCTD khc
D phng gim gi chng khon kinh doanh
Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc
Cho vay khch hng
Cho vay khch hng
D phng ri ro cho vay khch hng
Chng khon u t
Chng khon u t sn sng bn
Chng khon u t gi n ngy o hn
D phng gim gi chng khon u t
Gp vn, u t di hn
u t vo cng ty lin kt
u t di hn khc
Ti sn c nh
Ti sn c nh hu hnh
a. Nguyn gi
b. Hao mn
Ti sn v hnh
a. Nguyn gi
b. Hao mn
Bt ng sn u t
a. Nguyn gi
b. Hao mn
Ti sn c khc
Cc khon phi thu
Cc khon li, ph phi thu
Ti sn c khc
Cc khon d phng ri ro cho cc ti sn c ni bng khc
TNG TI SN
FORM B02/TCTD
Mu B02/TCTD - HN
n v: Triu ng
n v: Triu ng
Thuyt
minh
5
6
7
7.1
7.2
8
9
10
10.1
10.2
10.3
11
11.1
11.2
12
13
14
15
15.1
15.2
15.3
31/12/2014
31/12/2013
441.459
716.590
19.548.439
2.884.516
16.663.923
4.768
25.495.490
25.969.150
(473.660)
15.004.910
10.834.698
4.289.643
(119.431)
318.568
49.777
268.791
1.019.482
592.172
825.853
(233.681)
427.310
533.856
(106.546)
183.585
186.646
(3.061)
4.731.559
2.468.358
891.209
420.853
1.375.631
16.146.892
2.235.234
13.911.658
2.047
4.711
(2.664)
1.078
22.993.281
23.646.752
(653.471)
11.549.834
5.242.479
6.310.806
(3.451)
317.024
48.985
268.039
865.587
591.937
777.965
(186.028)
273.650
358.502
(84.852)
103.987
103.987
3.851.496
2.299.447
927.337
1.416.980
(44.988)
687.279
(62.567)
67.464.850
57.627.710
73
BO CO THNG NIN 2014
BNG CN I K TON HP NHT (Tip theo)

Mu B02/TCTD - HN
n v: Triu ng
Thuyt
minh
31/12/2014
31/12/2013
Tin gi v vay cc TCTD khc

Tin gi ca cc TCTD khc
16
15.808.737
3.310.667
10.353.705
12.929
Vay cc TCTD khc

Tin gi ca khch hng
Vn ti tr, y thc u t, cho vay TCTD chu ri ro
17
18
19
12.498.070
45.102.698
120.782
10.340.776
37.161.637
63.570
3.446.620
20
9
717.257
556.483
160.774
-
857.702
766.112
67.802
23.788
5.715.376
5.248.159
4.798.000
994
449.165
309.253
157.964
5.744.476
5.248.159
4.798.000
994
449.165
301.879
194.438
67.464.850
57.627.710
NGUN VN
Pht hnh giy t c gi

Cc khon n khc
Cc khon li, ph phi tr
Cc khon phi tr v cng n khc
D phng ri ro khc (D phng cho cng n tim n v cam kt ngoi bng)
Vn v cc qu
Vn ca TCTD
a. Vn iu l
b. Vn u t XDCB
c. Thng d vn c phn
Qu ca TCTD
Li nhun cha phn phi
TNG NGUN VN
22
22.1
22.1
22.1
22.2
22.1
74
BO CO TI CHNH
CC CH TIU NGOI BNG CN I K TON HP NHT
OFF-BALANCE SHEET ACCOUNTS
As at 31 Dec 2013
Mu B02/TCTD
- HN
FORM B02/TCTD
n
ng
nv:
v:Triu
Triu ng
Thuyt
minh
Ngha v n tim n
Th tn dng cha thanh ton
Bo lnh khc
_________________________
ng Nguyn Cng Anh
39
______________________
ng Bui Quc Vit
K toan trng
31/12/2014
31/12/2013
4.785.899
625.092
4.160.807
4.785.899
2.722.431
517.073
2.205.358
2.722.431
_______________________
ng Phm Duy Hiu
Tng Giam c
75
BO CO THNG NIN 2014
BO CO KT QU HOT NG KINH DOANH HP NHT
ChoNG
nm ti
chnh
kt thc ngy 31 thng 12 nm 2014
BO CO KT QU HOT
KINH
DOANH
Mu B03/TCTD - HN
n v: Triu ng
minh
2014
2013
24
25
4.119.645
(2.633.172)
4.031.822
(2.773.923)
26
26
26
27
1.486.473
120.880
(79.010)
41.870
56.687
1.257.899
177.310
(68.965)
108.345
24.873
28
561
(4.452)
29
47.979
92.887
(49.660)
43.227
10.336
(1.106.460)
37.624
175.691
(16.700)
158.991
12.156
(1.067.620)
580.673
527.816
(429.566)
151.107
(34.134)
116.973
(342.705)
185.111
(44.549)
140.562
Thuyt
CH TIU
Thu t li v cc khon thu nhp tng t
Chi ph li v cc khon chi ph tng t
Thu thun t li v cc khon thu nhp tng t
Thu nhp t cc khon ph v hoa hng
Chi ph cho cc khon ph v hoa hng
Li thun t cc khon ph v hoa hng
Li thun t kinh doanh ngoi hi
Li/(l) thun t mua bn chng khon
kinh doanh
(L)/li thun t mua bn chng khon u t
Thu t hot ng kinh doanh khc
Chi ph hot ng khc
Thu nhp t hot ng kinh doanh khc
Thu nhp t gp vn, mua c phn
Chi ph hot ng
Li nhun thun trc d phng cho cc khon ri ro tn
dng
D phng cho cc khon ri ro tn dng
Li nhun trc thu
Chi ph thu thu nhp doanh nghip hin hnh
Li nhun sau thu
Li c bn trn mi c phiu
Li c bn trn mi c phiu (ng/c phiu)
Li suy gim trn mi c phiu (ng/c phiu)
_________________________
ng Nguyn Cng Anh
4.122.437
30
31
9
32
23
23
______________________
ng Bui Quc Vit
K toan trng
244
-
305
294
_______________________
ng Phm Duy Hiu
Tng Giam c
76
BO CO TI CHNH
BO CO LU CHUYN TIN T HP NHT
Mu B04/TCTD - HN
n v: Triu ng
CH TIU
LU CHUYN TIN T HOT NG KINH DOANH
Thu nhp li v cc khon thu nhp tng t nhn c
Chi ph li v cc khon chi ph tng t tr
Thu nhp t hot ng dch v nhn c
Chnh lch s tin thc thu t hot ng kinh doanh (ngoi t v
chng khon)
Thu nhp khc
Tin thu cc khon n c x l xa, b p bng ngun d
phng ri ro
Tin chi tr cho nhn vin v hot ng qun l, cng v
Tin thu thu nhp thc np trong nm
Lu chuyn tin thun t hot ng kinh doanh trc nhng thay
i v ti sn v vn lu ng
Nhng thay i v ti sn hot ng
Bin ng cc khon tin gi v cho vay cc TCTD khc
Bin ng cc khon v kinh doanh chng khon
Bin ng cc khon v cng c ti chnh phi sinh v cc ti sn ti
chnh khc
Bin ng cc khon cho vay khch hng
Bin ng ngun d phng b p tn tht cc khon (tn dng,
chng khon, u t di hn)
Bin ng khc v ti sn hot ng
Nhng thay i v cng n hot ng
Bin ng cc khon tin gi, tin vay cc TCTD
Bin ng cc khon tin gi ca khch hng
Bin ng cc khon pht hnh giy t c gi
Bin ng cc khon vn ti tr, y thc u t, cho vay m TCTD
chu ri ro
Bin ng v n phi tr khc
Chi t cc qu ca TCTD
Lu chuyn tin thun t hot ng kinh doanh
2014
2013
4.136.602
(2.842.801)
41.870
140.239
4.127.635
(2.602.382)
108.345
92.097
29.498
13.729
158.991
-
(1.051.632)
(1.063.606)
(24.335)
443.170
(89.328)
731.752
2.002.764
(2.666.283)
(3.690)
(2.630.810)
(4.244.681)
551
(2.322.398)
(554.860)
(4.890.975)
(207.603)
(984.267)
5.455.032
7.941.061
(3.446.620)
57.212
2.005.190
3.955.060
8.427.595
(1.177.416)
(12.032)
72.957
5.994.078
49.044
(27.672)
1.978.003
77
BO CO THNG NIN 2014
BO CO LU CHUYN TIN T HP NHT (Tip theo)

Mu B04/TCTD - HN
n v: Triu ng
CH TIU
2014
2013
LU CHUYN TIN T HOT NG U T

Mua sm ti sn c nh
Tin thu c tc v li nhun c chia t cc khon u t, gp vn
di hn
Lu chuyn tin thun t hot ng u t
(220.246)
10.336
(134.254)
12.156
(209.910)
(122.098)
LU CHUYN TIN T HOT NG TI CHNH

Tng vn c phn t gp vn v pht hnh c phiu
C tc tr cho c ng
(118.230)
388.700
(292.666)
Tin thu c do bn c phiu ngn qu

Lu chuyn tin thun t hot ng ti chnh
Lu chuyn tin v tng ng tin thun trong nm
(118.230)
5.665.938
37.307
133.341
1.989.246
10.429.611
8.440.365
16.095.549
10.429.611
Tin v cc khon tng ng tin u nm

Tin v cc khon tng ng tin cui nm
(Thuyt minh s 33)
_________________________
ng Nguyn Cng Anh
______________________
ng Bui Quc Vit
K toan trng
_______________________
ng Phm Duy Hiu
Tng Giam c
78
MNG LI CHI NHNH/PHNG GIAO DCH
79
BO CO THNG NIN 2014
80
THAI NGUYEN
QUANG NINH
HA NOI
BAC NINH
SON LA
HAI PHONG
VINH PHUC
HUNG YEN
HA NOI
Branch/Transaction Office Network
Ho
an
I
Sa
sla
nd
DA NANG
HUE
DA NANG
QUANG NAM
GIA LAI
DONG NAI
BINH PHUOC
KHANH HOA
BINH DUONG
TAY NINH
BNH THUN
DONG THAP
HO CHI MINH CITY
AN GIANG
HCMC
HEAD OFFICE MAIN BRANCH
VUNG TAU
Phu Quoc Islands
LONG AN
TIEN GIANG
KIEN GIANG
BAC LIEU
VINH LONG
SOC TRANG
CAN THO
sland
Tr u o n g S a I
81
BO CO THNG NIN 2014
AN GIANG
CN AN GIANG
904B H Hong H, phng M Xuyn, TP. Long Xuyn.
Tel: (076) 3940786 - Fax: (076) 3940445.
B RA VNG TU:
CN B RA VNG TU
14 Nguyn Thi Hc, TTTM 15 tng, P. 7, TP. Vng Tu.
Tel: (064) 3512480 - Fax: (064) 3512481.
PGD BA MI THNG T
02 Nguyn Hu Cnh, P. Thng Nht, TP. Vng Tu.
Tel: (064) 3628079 - Fax: (064) 3628078.
PGD B RA
27 Nguyn Tt Thnh, Th x B Ra.
TEL: (064) 3717601 - FAX: (064) 3717600.
PGD VNG TU
370 L Hng Phong, P. 3, TP. Vng Tu.
Tel: (064) 3515597 - Fax: (064) 3515596.
QTK NG XUYN
02 Nguyn Hu Cnh, P. Thng Nht, TP. Vng Tu.
Tel: (064) 3628079 - Fax: (064) 3628078.
BC LIU
CN BAC LIU
371-373 ng Trn Ph, khom 2, P. 7, TP. Bac Liu.
Tel: (0781) 3959500 - Fax: (0781) 3959600.
BC NINH
CN BC NINH
10 Nguyn ng o, P. Tin An, TP. Bc Ninh.
Tel: (0241) 3893068 - Fax: (0241) 3893100.
PGD T SN
346 Trn Phu, P. ng Ngan, th x T Sn, H. T Sn.
Tel: (0241) 3760511 - Fax: (0241) 3760512.
PGD YN PHONG
32 ng Ph Ch, th trn Ch, H. Yn Phong.
Tel: (0241) 3891811 - Fax: (0241) 3891661.
BNH DNG
CN BNH DNG
470 i l Bnh Dng, Khu 1, P. Hip Thnh, TP.
Th Du Mt.
Tel: (0650) 3872218 - Fax: (0650) 3872217.
PGD BN CT
400 Khu ph 2, P. M Phc, th x Bn Ct.
Tel: (0650) 3556208 - Fax: (0650) 3556209.
PGD DU TING
11B Hung Vng, KP 4B, thi trn Du Ting, H.
Du Ting.
Tel: (0650) 3519102 - Fax: (0650) 3519103.
PGD PHU GIAO
Khu ph 5, thi trn Phc Vinh, H. Phu Giao.
Tel: (0650) 3674987 - Fax: (0650) 3674878.
PGD TN UYN
L 13K-14K Khu dn c thng mi Uyn Hng,
P. Uyn Hng, th x Tn Uyn.
Tel: (0650) 3642537 - Fax: (0650) 3642536.
PGD THUN AN
121 Nguyn Vn Tit, Khu ph ng T, P. Li
Thiu, th x Thun An.
Tel: (0650) 3782609 - Fax: (0650) 3782608.
BNH PHC
CN BNH PHC
ng Hng Vng, P. Tn Bnh, th x ng
Xoi.
Tel: (0651) 3886188 - Fax: (0651) 3886177.
PGD BNH LONG
221 Nguyn Hu, th x Bnh Long.
Tel: (0651) 3611555 - Fax: (0651) 3612555.
BNH THUN
CN BNH THUN
268-270 Trn Hng o, P. Bnh Hng, TP. Phan
Thit.
Tel: (062) 3722122 - Fax: (062) 3722121.
82
CN TH
CN CN TH
74-76 Hng Vng, P. Thi Bnh, Q. Ninh Kiu.
Tel: (0710) 3732555 - Fax: (0710) 3732556.
QTK NUI THANH

164 Nui Thanh, P. Hoa Cng Bc, Q. Hai Chu.
Tel: (0511) 2602899 - Fax: (0511) 2602897.
PGD AN NGHIP
152-154 Trn Hng o, P. An Nghip, Q. Ninh Kiu.
Tel: (0710) 3732177 - Fax: (0710) 3732558.
NG NAI
CN NG NAI
312-314 Nguyn Ai Quc, P. Tn Tin, TP. Bin Ha.
Tel: (061) 2220226 - Fax: (061) 2220224.
PGD CI RNG
216 QL1A, P. L Bnh, Q. Ci Rng.
Tel: (0710) 3915435 - Fax: (0710) 3915436.
PGD CH BIN HOA

85 Phan Chu Trinh, P. Hoa Binh, TP. Bin Hoa.
Tel: (061) 2800368 - Fax: (061) 2800369.
PGD MN
103 Quc L 91, KV 4, P. Chu Vn Lim, Q. Mn.
Tel: (0710) 3664790 - Fax: (0710) 3664791.
PGD H NAI
67/16 Quc L 1K, KP 8, P. Tn Ho, TP. Bin Ho.
Tel: (061) 2813338 - Fax: (061) 2813339.
NNG
CN NNG
179 Nguyn Ch Thanh, P. Hi Chu 1, Q. Hi Chu.
Tel: (0511) 2225262/63 - Fax: (0511) 2225265.
PGD LONG THNH

T 15, Khu Vn Hi, th trn Long Thnh,
H. Long Thnh.
Tel: (061) 2807368 - Fax: (061) 2807369.
PGD HAI CHU

194-196 Quang Trung, Q. Hi Chu.
Tel: (0511) 2221155 - Fax: (0511) 2221150.
NG THP
CN NG THP
242-244 Nguyn Hu, P. 2, TP. Cao Lnh.
Tel: (067) 3877606 - Fax: (067) 3875998.
PGD HNG VNG

195 Hng Vng, Q. Hi Chu.
Tel: (0511) 2225699 - Fax: (0511) 2225698.
PGD LIN CHIU
183 Tn c Thng, P. Ha Minh, Q. Lin Chiu.
Tel: (0511) 2220099. Fax: (0511) 2220088.
PGD NGUYN VN LINH
167 Nguyn Vn Linh, P. Thc Gin, Q. Thanh Kh.
Tel: (0511) 2221222 - Fax: (0511) 2221231.
PGD PHAN CHU TRINH
193 Phan Chu Trinh, Q. Hi Chu.
Tel: (0511) 2222116 - Fax: (0511) 2222117.
PGD TRNG N VNG
391 Trng N Vng, Q. Hi Chu.
Tel: (0511) 2221555 - Fax: (0511) 2221559.
GIA LAI
CN GIA LAI
106 L Li, P. Hoa L, TP. Pleiku.
Tel: (059) 3723222 - Fax: (059) 3723226.
PGD KBANG
40 Trn Hng ao, th trn Kbang, huyn Kbang.
Tel: (059) 3880999 - Fax: (059) 3880189.
PGD PLEIKU
162B2 Hai B Trng, P. Yn , TP. Pleiku.
Tel: (059) 3758189 - Fax: (059) 3758188.
H NI
CN H NI
101 Lng H, Q. ng a.
Tel: (04) 35622828 - Fax: (04) 35624655.
83
BO CO THNG NIN 2014
PGD BC THNG LONG

Thn C in, x Hi Bi, H. ng Anh.
Tel: (04) 39518531 - Fax: (04) 39518532.
PGD H TNG MU
400 H Tung Mu, thi trn Cu Din, H. T Lim.
Tel: (04) 37634822 - Fax: (04) 37634821.
PGD I KIM
A5 khu C8, Khu th mi i Kim, nh Cng,
P. i Kim, Q. Hong Mai.
Tel: (04) 35401044 - Fax: (04) 35401045.
PGD L TRNG TN
30 L Trng Tn, P. Khng Mai, Q. Thanh Xun.
Tel: (04) 35665406 - Fax: (04) 35665405.
PGD O TN
99 o Tn, P. Ngc Khnh, Q. Ba nh.
Tel: (04) 37669350 - Fax: (04) 37669360.
PGD INH TIN HONG
69 inh Tin Hong, Q. Hon Kim.
Tel: (04) 39262865 - Fax: (04) 39262870.
PGD I CN
279A i Cn, Q. Ba nh.
Tel: (04) 37226580 - Fax: (04) 37226579.
PGD NG ANH
01 Cao L, thn Phan X, x Uy N, H. ng Anh.
Tel: (04) 39655638 - Fax: (04) 39655640.
PGD GII PHNG
441 Gii Phng, P. Phng Lit, Q. Thanh Xun.
Tel: (04) 62551111 - Fax: (04) 62841307.
PGD H NG
01 Trn Ph, Q. H ng.
Tel: (04) 33545757 - Fax: (04) 33545017.
PGD L C
126 L c, P. ng Mc, Q. Hai B Trng.
Tel: (04) 39727327 - Fax: (04) 39727328.
PGD NG GIA T
491 Ng Gia T, P. c Giang, Q. Long Bin.
Tel: (04) 36526405 - Fax: (04) 36526406.
PGD NGUYN VN C
453 Nguyn Vn C, P. Gia Thy, Q. Long Bin.
Tel: (04) 38736040 - Fax: (04) 38736042.
PGD PH HU
42 T Hin Thnh, P. Bi Th Xun, Q. Hai B Trng.
Tel: (04) 62525678 - Fax: (04) 62780020.
PGD QUN THNH
132 Qun Thnh, P. Qun Thnh, Q. Ba nh.
Tel: (04) 37152406 - Fax: (04) 37152413.
PGD QUANG TRUNG H NG
353 Quang Trung, P. Quang Trung, Q. H ng.
Tel: (04) 33117626 - Fax: (04) 33117627.
PGD HNG NN
02 Hng Nn, P. Hng Gai, Q. Hon Kim.
Tel: (04) 39381303 - Fax: (04) 39381305.
PGD TY H
387 Lac Long Qun, P. Ngha , Q. Cu Giy.
Tel: (04) 37592483 - Fax: (04) 37592484.
PGD HONG CU
36 Hong Cu, P. Ch Da, Q. ng a.
Tel: (04) 62595555. Fax: (04) 62779727.
PGD TN C THNG
141 Tn c Thng, P. Hng Bt, Q. ng a.
Tel: (04) 35132190 - Fax: (04) 35132218.
PGD HOANG QUC VIT

141 Hoang Quc Vit, P. Nghia , Q. Cu Giy.
Tel: (04) 62816233 - Fax: (04) 62816235.
PGD TRN NG NINH

109 Trn ng Ninh, Q. Cu Giy.
Tel: (04) 37930436 - Fax: (04) 37930457.
84
PGD TRN KHT CHN
288 Trn Kht Chn, Q. Hai B Trng.
Tel: (04) 39724814 - Fax: (04) 39724815.
PGD BC SI GN
15-17 Quang Trung, P. 3, Q. G Vp.
Tel: (08) 39897244 - Fax: (08) 39897242.
QTK DON K THIN

229 Don K Thin, P. Mai Dch, Q. Cu Giy.
Tel: (04) 37921263 - Fax: (04) 37921262.
PGD BN C
Mt phn cn nh s 532-534 Nguyn nh Chiu,
P. 4, Q. 3.
Tel: (08) 39290345 - Fax: (08) 39290335.
QTK DC T
Km 3, Quc L 3, ng Du, Khu T1-T2 Dc T,
H. ng Anh.
Tel: (04) 39617300 - Fax: (04) 39617302.
QTK L LI
110 L Li, P. Nguyn Tri, Q. H ng.
Tel: (04) 33119608 - Fax: (04) 33119606.
QTK PH HU
Lu 1, 48-50 Ph Hu, P. Hng Bi, Q. Hon Kim.
Tel: (04) 39447150 - Fax: (04) 39447153.
PGD BNH TN
472 Kinh Dng Vng, Q. Bnh Tn.
Tel: (08) 37522052 - Fax: (08) 37522052.
PGD CHANH HNG
320 Bis Chanh Hng, P. 5, Q. 8.
Tel: (08) 38523490 - Fax: (08) 38523491.
PGD CH LN
Tng trt, 110 Nguyn Ch Thanh, Q. 10.
Tel: (08) 38300540 - Fax: (08) 38300541.
HI PHNG
CN HI PHNG
09 Trn Hng o, P. Hong Vn Th, Q. Hng Bng.
Tel: (031) 3529665 - Fax: (031) 3529664.
PGD CNG HA
78 Cng Ho, P. 4, Q. Tn Bnh.
Tel: (08) 38117077 - Fax: (08) 38117020.
PGD LCH TRAY

05 Lch Tray, P. Lch Tray, Q. Ng Quyn.
Tel: (031) 6263388. Fax: (031) 6263366.
PGD DN CH
115 Dn Ch, P. Bnh Th, Q. Th c.
Tel: (08) 37225412 - Fax: (08) 37225417.
PGD NG QUYN
01 Phm Minh c, P. My T, Q. Ng Quyn.
Tel: (031) 3568766. Fax: (031) 3568799.
PGD AKAO
47 in Bin Ph, Q. 1.
Tel: (08) 39100780 - Fax: (08) 39100786.
PGD TRN NGUYN HN

263K-263L Trn Nguyn Hn, P. Ngha X, Q. L Chn.
Tel: (031) 3789111. Fax: (031) 3789777.
PGD HU GIANG
243 Hu Giang, P. 5, Q. 6.
Tel: (08) 39603141 - Fax: (08) 39603184.
H CH MINH
HI S - S GIAO DCH
170 Hai Ba Trng, P. a Kao, Q. 1.
Tel: (08) 38244855 - Fax: (08) 38244856/7.
PGD KHNH HI
184-186 Khnh Hi, P. 6, Q. 4.
Tel: (08) 39430530 - Fax: (08) 39430528.
CN SAI GON
855 Trn Hng ao, P. 1, Q. 5.
Tel: (08) 39240500 - Fax: (08) 39240503.
PGD K HA
Mt phn tng trt, ta nh Khu cng ngh Thi
Sn, s 03 ng 3/2, P. 11, Q. 10.
Tel: (08) 39292747 - Fax: (08) 39292748.
85
BO CO THNG NIN 2014
PGD L QUANG NH
428 L Quang nh, P. 11, Q. Bnh Thnh.
Tel: (08) 35158575 - Fax: (08) 35158570.
PGD SOAI KINH LM

12 Chu Vn Lim, P. 10, Q. 5.
Tel: (08) 39520217 - Fax: (08) 39520219.
PGD L VN VIT
77 L Vn Vit, P. Hip Ph, Q. 9.
Tel: (08) 37360630 - Fax: (08) 37360629.
PGD TN PH
22 Trng Vnh K, P. Tn Thnh, Q. Tn Ph.
Tel: (08) 38123400 - Fax: (08) 38123404.
PGD LY BN BCH
283 Ly Bn Bch, P. Hip Tn, Q. Tn Ph.
Tel: (08) 39761357 - Fax: (08) 39761357.
PGD TN THUN
350 Nguyn Th Thp, P. Tn Quy, Q. 7.
Tel: (08) 37716933 - Fax: (08) 37716939.
PGD LY THAI T
162 Ly Thai T, P. 1, Q. 3.
Tel: (08) 38323720 - Fax: (08) 38323721.
PGD MINH KHAI
126 Nguyn Th Minh Khai, P. 6, Q. 3.
Tel: (08) 39330320 - Fax: (08) 39330322.
PGD NGUYN TH NH
554 Nguyn Th nh, P. Thnh M Li, Q. 2.
Tel: (08) 37423590 - Fax: (08) 37423591.
PGD NGUYN VN TRI
261F Nguyn Vn Tri, P. 10, Q. Phu Nhun.
Tel: (08) 39976693 - Fax: (08) 39976694.
PGD NG T
737 Cach Mang Thang 8, P. 6, Q. Tn Binh.
Tel: (08) 39771011 - Fax: (08) 39771012.
PGD PH C IU
1147-1149-1151 ng 3/2, P. 6, Q. 11.
Tel: (08) 39561158 - Fax: (08) 39561159.
PGD PH M HNG
1441 M Ton 2, Nguyn Vn Linh, P. Tn Phong, Q. 7
Tel: (08) 54121944 - Fax: (08) 54121947.
PGD PH NHUN
203 Phan Xch Long, P. 2, Q. Ph Nhun.
Tel: (08) 35173793 - Fax: (08) 35173893.
PGD QUANG TRUNG
187-189 Phan ng Lu, P. 1, Q. Ph Nhun.
Tel: (08) 39975766 - Fax: (08) 38443701.
PGD THNH
348 Hunh Vn Bnh, P. 14, Q. Ph Nhun.
Tel: (08) 39912578 - Fax: (08) 39918298.
PGD T HIN THANH
287 T Hin Thanh, P. 13, Q. 10.
Tel: (08) 39797252 - Fax: (08) 39797253.
PGD TRUNG CHANH
356A Nguyn Anh Thu, P. Trung My Ty, Q. 12.
Tel: (08) 37186145 - Fax: (08) 37186148.
PGD TRUNG TM SME
Tng trt, ta nh Green Power, 35 Tn c Thng,
P. Bn Nghe, Q. 1.
Tel: (08) 22262222 - Fax: (08) 22205301.
PGD TRNG CHINH
499 Trng Chinh, P. 14, Q. Tn Binh.
Tel: (08) 38428696 - Fax: (08) 38428797.
QTK BNH CHNH
A13/46 Quc l 1A, x Bnh Chnh, H. Bnh Chnh.
Tel: (08) 37608159 - Fax: (08) 37608160.
QTK THUN KIU
1A Thun Kiu, P. 12, Q. 5.
Tel: (08) 39556357 - Fax: (08) 39553934.
QTK TRN HNG O
Tng 2, Phng 201, Ta nh Smart View,
163-165 Trn Hng o, P. C Giang, Q. 1.
Tel: (08) 38389707 - Fax: (08) 38389701.
86
QTK VNDIRECT
Mt phn lu 1 ta nh s 90 Pasteur, P. Bn Ngh, Q. 1.
Tel: (08) 39147510 - Fax: (08) 39142183.
HNG YN
CN HNG YN
Trung Tm Vn Hoa Th Thao Gia Phong,
Nga t th trn Bn Yn Nhn, H. M Ho.
Tel: (0321) 3742668 - Fax: (0321) 3742005.
PGD KHOI CHU
Thn Yn Lch, x Dn Tin, H. Khoi Chu.
Tel: (0321) 3922999 - Fax: (0321) 3713466.
PGD PH HIN
06 Nguyn Thin Thut, TP. Hng Yn.
Tel: (0321) 3515999 - Fax: (0321) 3518555.
PGD VN LM
51 Ch ng Ci, x Trng Trc, H. Vn Lm.
Tel: (0321) 3993888 - Fax: (0321) 3992889.
KHNH HA
CN KHNH HA
22 Thai Nguyn, P. Phng Sai, TP. Nha Trang.
Tel: (058) 3563560 - Fax: (058) 3563561.
PGD CAM RANH
T Dn Ph Lc Trng, P. Cam Lc, TP. Cam Ranh.
Tel: (058) 3954777 - Fax: (058) 3955707.
PGD NHA TRANG
54 Ng Gia T, P. Phc Tin, TP. Nha Trang.
Tel: (058) 2220123 - Fax: (058) 2220122.
PGD BN LC
Khu dn c Mai Thi Non, ng Nguyn Hu Tho,
KP.2, Th trn Bn Lc, H. Bn Lc.
Tel: (072) 3638838 - Fax: (072) 3638839.
QUANG NAM
CN QUNG NAM
151 Phan Chu Trinh, P. Phc Ha, TP. Tam K.
Tel: (0510) 2220666 - Fax: (0510) 2220669.
PGD HI AN
140 Nguyn Trng T, P. Cm Ph, TP. Hi An.
Tel: (0510) 6260060 - Fax: (0510) 6260061.
QUNG NINH
CN QUNG NINH
02 Ph Kim Hoan, P. Bach ng, TP. Ha Long.
Tel: (033) 3556931 - Fax: (033) 3556930.
PGD CM PHA
525 Trn Phu, P. Cm Trung, TP. Cm Pha.
Tel: (033) 3939568 - Fax: (033) 3939380.
PGD UNG B
S nh 455, T 42, P. Quang Trung, TP. Ung B.
Tel: (033) 3566522 - Fax: (033) 3566533.
QTK MO KH
70 Hong Hoa Thm, Th trn Mo Kh,
H. ng Triu.
Tel: (033) 3675268 - Fax: (033) 3675168.
KIN GIANG
CN KIN GIANG
40 Trn Ph, P. Vnh Thanh, TP. Rch Gi.
Tel: (077) 3942828 - Fax: (077) 3942827.
SOC TRNG
CN SOC TRNG
99-99A L Hng Phong, P. 3, TP. Soc Trng.
Tel: (079) 3641999 - Fax: (079) 3641995.
LONG AN
CN LONG AN
222-224 Hng Vng, P. 2, TP. Tn An.
Tel: (072) 3524334 - Fax: (072) 3524335.
SN LA
CN SN LA
450 Chu Vn Thinh, T 12, P. Ching L, TP. Sn La.
Tel: (022) 3752926 - Fax: (022) 3752932.
87
BO CO THNG NIN 2014
PGD MAI SN
Tiu khu 4, Thi trn Hat Lot, H. Mai Sn.
Tel: (022) 3745296 - Fax: (022) 3745295.
PGD MC CHU
688 Tiu khu 6, Thi trn Mc Chu, H. Mc Chu.
Tel: (022) 3766926 - Fax: (022) 3766929.
PGD SNG M
T 7, th trn Sng M, H. Sng M.
Tel: (022) 3736926 - Fax: (022) 3736928.
PGD SP CP
Bn Hua Mng, x Sp Cp, H. Sp Cp.
Tel: (022) 3879926 - Fax: (022) 3879928.
QTK QUYT THNG
90 ng 3/2, t 2, P. Quyt Thng, TP. Sn La.
Tel: (022) 3755929 - Fax: (022) 3755925.
QTK T HIU
49A in Bin, t 4, P. T Hiu, TP. Sn La.
Tel: (022) 3755926 - Fax: (022) 3755288.
TY NINH
CN TY NINH
A3-A4 Trung tm thng mi, i l 30 thng 4, P. 3,
TP. Ty Ninh.
Tel: (066) 3818699 - Fax: (066) 3818698.
THI NGUYN
CN THI NGUYN
140 Hong Vn Th, P. Hong Vn Th,
TP. Thi Nguyn.
Tel: (0280) 3656655 - Fax: (0280) 3656590.
THA THIN - HU
CN THA THIN HU
26 H Ni, P. Ph Nhun, TP. Hu.
Tel: (054) 2220999 - Fax: (054) 2220990.
PGD NG BA
209 Trn Hng ao, P. Phu Hoa, TP. Hu.
Tel: (054) 3599333 - Fax: (054) 3588333.
PGD NGUYN HU
100 Nguyn Hu, P. Vnh Ninh, TP. Hu.
Tel: (054) 2227999 - Fax: (054) 2227888.
TIN GIANG
CN TIN GIANG
267 p Bc, P. 5, TP. M Tho.
Tel: (073) 3976300 - Fax: (073) 3976301.
VNH LONG
CN VNH LONG
1C-1E ng 30/4, phng 1, TP. Vnh Long.
Tel: (070) 3836735 - Fax: (070) 3836736.
VNH PHC
CN VNH PHC
361B M Linh, P. Lin Bo, TP. Vnh Yn.
Tel: (0211) 3727727 - Fax: (0211) 3727726.
PGD PHC YN
231 Hai B Trng, phng Hng Vng, th x Phc Yn.
Tel: (0211) 3511858 - Fax: (0211) 3511855.
PGD VNH YN
204 M Linh, P. Lin Bo, TP. Vnh Yn.
Tel: (0211) 3712566 - Fax: (0211) 3712556.
QTK M BCH
120/1 Dng T Minh, TP. Thi Nguyn.
Tel: (0280) 3841899 - Fax: (0280) 3841866.
PGD XUN HA
33 ng Nguyn Vn Linh, P. Xun Ha, th x Phc Yn.
Tel: (0211) 3880899 Fax: (0211) 3880688.
QTK PH YN
213 ng Trung Tm, Th trn Ba Hng, H. Ph Yn.
Tel: (0280) 3563368 - Fax: (0280) 3763828.
PGD YN LC
Khu ph 3 oi, th trn Yn Lc, H. Yn Lc.
Tel: (0211) 3850999 Fax: (0211) 3811888.

Annual Report 2014 - AnBinh Bank

Diunggah oleh

Informasi Dokumen

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Annual Report 2014 - AnBinh Bank

Diunggah oleh

Hak Cipta:

Format Tersedia

BO CO THNG NIN

BO CO THNG NIN 2014

BO CO THNG NIN 2014

BO CO THNG NIN 2014

nghip va v nh; kt ni h thng ATM gia Maybank

BO CO THNG NIN 2014

hnh cng cc bin php kim sot cht ch cht lng tn

Trong bi cnh chung , hot ng kinh doanh ca

Trc nhng tn hiu khi sc ca nn kinh t, ABBANK

Tip ni thnh cng nm 2013, cng tc x l n xu nm

Vi nn tng vng chc hin nay, ton h thng ABBANK

Phm Duy Hiu

ABBANK trin khai thnh cng

ABBANK tng vn iu l ln 1.131

ABBANK tng vn iu l ln 2.705

ABBANK tng vn ln 2.300 t ng,

BO CO THNG NIN 2014

ABBANK cng b Tm nhn, S

Thng 12/2014, ABBANK vinh d

ABBANK tng vn iu l ln 3.831

ABBANK tng vn iu l ln 4.200

Ngy 26/04/2013 ABBANK tng vn iu

GII THIU CHUNG V NGN HNG

l tin t... Cc sn phm trong mi gi sn phm c

BO CO THNG NIN 2014

Hng n kt qu (Results Orientation)

BO CO THNG NIN 2014

THNH TCH V CC GII THNG

P. Pht trin &

BO CO THNG NIN 2014

Y BAN TRC THUC HQT

Y BAN/HI NG TRC THUC BAN IU HNH

KHI QUN TR KHI CHIN LC

TT Pht trin &

P. Kim sot sau

BO CO THNG NIN 2014

ng Lee Tien Poh

BO CO THNG NIN 2014

ng Phm Duy Hiu

BO CO THNG NIN 2014

B Nguyn Th Ngc Mai

BO CO THNG NIN 2014

ng Nguyn Phan Long

C nhn chuyn ngnh Ti chnh Tn dng, Hc vin Ngn hng.

C nhn kinh t - i hc Ti chnh

C nhn chuyn ngnh K ton,

C nhn Lut i hc Lut H Ni.

Thc s Qun tr Kinh doanh.

ng Nguyn Phan Long c 30 nm

BO CO THNG NIN 2014

ng Hadenan bin A.Jalil

Sinh nm 1946, Quc tch Malaysia

Thc s Ti chnh - University of

C nhn kinh t Hons - University of

Thc s Qun tr kinh doanh - Asian

BO CO THNG NIN 2014

NHNG NT NI BT V KT QU HOT NG KINH DOANH 2014

che. Cc ch tiu m bo an ton u c gi vng.

D N CHO VAY (T NG)

Ti cu trc pht trin

i ng nhn s ph hp va thc hin d an pht hin,

TM NHN S MNH ABBANK GIAI

BO CO THNG NIN 2014

hin thc ha ni dung Tm nhn, S mnh, Mc