PHN TCH YU T V M TI NGN HNG CHU CHI NHNH BNH DNGGVHD: Ths. L Quang Khi Nhm 8 - BlueSky

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Phm Th NhanhCompany Logo

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Tng quan v ngn hng ChuCc yu t v m tc ng Gii php hon thin

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I. Tng quan v ngn hng Chu

Gii thiu v ngn hng Chin lc Sn phm v cht lng dch v Mng li phn phi Cng ngh - Nhn s Cu trc vn v c cu t chcwww.themegallery.com Company Logo

I. Tng quan v ngn hng Chu1.Gii thiu v ngn hngNHTMCP Chu c cp php thnh lp v chnh thc i vo hot ng ngy 04/06/1993. Tn y : Ngn Hng Thng Mi C Phn Chu Tn giao dch: Bng ting anh Asia Commercial Bank Tn vit tt: ACB Tr s chnh: 442 Nguyn Th Minh Khai, Qun 3, TP HCM Loi hnh doanh nghip: Ngn Hng c phn Website: www.acb.com.vn Tm nhn l tr thnh ngn hng thng mi c phn bn l hng u Vit Nam.

Ngn hng bn l vi khch hng mc tiu l c nhn, cc doanh nghip va v nh

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I. Tng quan v ngn hng Chu2. Chin lcACB ang tng bc thc hin chin lc tng trng ngang v a dng ho.

Chin lc tng trng ngang Thng qua m rng hot ng Thng qua hp tc lin minh Thng qua hp nht v sp nhp

Chin lc a dng ha

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I. Tng quan v ngn hng Chu3. Sn phm v cht lng dch v

Sn phm dch v Huy ng vn S dng vn Cc dch v trung gian Pht hnh th Dch v khc

Cht lng dch v Vi tiu ch khch hng l trng tm trong mi phc v. ACB chinh phc v gi chn cc khch hng ca mnh thnh cng.

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I. Tng quan v ngn hng Chu4. Knh phn phi Gm 280 chi nhnh v phng giao dch trn ton quc. Trn 2.000 i l chp nhn thanh ton th ca Trung tm th ACB 812 i l chi tr ca ACB-Western Union

5. Nhn s Tnh n ngy 28/02/2010 tng s nhn vin ca Ngn hng Chu trn 7.200 ngi. Cn b c trnh i hc v trn i hc chim 93%.www.themegallery.com Company Logo

II. Cc yu t v m tc ng

Cng ngh

T nhin

Kinh t

Mi trng v m

Nhn khu hc Vn ha x hi

Chnh tr php lutwww.themegallery.com

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II. Cc yu t v m tc ng1. T nhin Din tch t nhin 2.695,22km2 Gm 7 n v hnh chnh trc thuc

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II. Cc yu t v m tc ng1.T nhin ACB Bnh Dng c khai trng ngy 1511-2004CN Bnh Dng PGD Th Du Mt PGD Ch nh PGD D An PGD KCN Sng Thn PGD Li Thiu

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II. Cc yu t v m tc ng2. Nhn khu hc Dn s Bnh Dng: 1.482.636 ngi Mt dn s khong 550 ngi/km2 Lc lng lao ng t 15-40 tui chim t trng cao Chnh sch nng cao dn tr, o to nhn lc, bi dng nhn ti

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II. Cc yu t v m tc ng3. Vn ha x hi- Trnh dn tr: 97,2% - GDP u ngi: khong 30tr - Tc th ha

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3. Vn ha x hiTHUN LI:

Mt s c trng v mi trng vn ha - x hi nh trnh dn tr, cch nhn thc, trnh vn ha, li sng, thi quen s dng v ct tr tin, s hiu bit ca dn chng v hot ng ngn hng c tc ng thun li cng nh kh khn n s pht trin ca ngn hng ACB

Hin nay trnh dn tr, T l dn s bit ch t 15 tui tr ln ca tnh Bnh Dng l 97,2%,

Trnh dn tr c nng cao dn n thu nhp v mc sng ca ngi dn trong nhng nm gn y c nng cao ng k.www.themegallery.com Company Logo

3. Vn ha x hi

Cc sn phm dch v m ngn hng a ra ngy cng c ngi dn s dng ph bin rng ri

Tc th ha Bnh Dng trong nhng nm gn y pht trin rt mnh m

Bnh Dng l mt tnh c rt nhiu doanh nghip kinh doanh cc ngnh ngh v vy cc dch v v cp tn dng cho cc doanh nghip ca ngn hng s pht trin rt mnh m.

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3. Vn ha x hitm l gi tin vo hoc i vay ti cc ngn hng thng mi nh nc v ngh rng an ton hn

KH KHN

a s ngi dn c thi quen dng tin mt

Vn tm l ca khch hng cng nh hng rt ln n hnh vi v nhu cu sn phm dch v ngn hngwww.themegallery.com Company Logo

II. Cc yu t v m tc ng4. Chnh tr php lut- C ch iu hnh t gi- C ch tn dng - Nhm G12+1

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4. Chnh tr php lut

Nn chnh tr Vit nam ni chung v Bnh Dng ni ring c nh gi l c s n nh cao. Vi nn chnh tr nh vy s gip cho qu trnh hot ng sn xut kinh doanh ca ngn hng trnh c nhng ri ro do chnh tr gy ra.

Nn kinh t Bnh Dng pht trin ko theo s pht trin ca cc ngn hng.

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C th l:

4. Chnh tr php lut

Cng vi nn chnh tr n nh th lut cc t chc tn dng sa i, b sung c hiu lc t ngy 1-1-2011

C th l:

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4. Chnh tr php lut

chim ti 85% th phn,www.themegallery.com Company Logo

II. Cc yu t v m tc ng5. Kinh t- S tng trng kinh t- Chu k tng li sut - T gi hi oi - T l lm pht

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5. Kinh t Nhng quan ngi v s n nh ca kinh t v m tc ng n uy tn ca cc ngn hng thng mi hng u ti Vit Nam, bao gm ACB vi vic cc t chc nh gi tn nhim ln trn th gii nh FitchRatings v Moodys ln lt h nh mc tn nhim cc ngn hng c xp hng.Company Logo

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5. Kinh t a.S tng trng kinh t:Trong nhng nm gn y, tc tng trng kinh t tnh Bnh Dng lun mc cao, GDP tng bnh qun khong 14,5%/nm. Trong 9 thng u nm 2011, mc d tnh hnh kinh t x hi c nc v th gii gp nhiu kh khn, nhng kinh t x hi ca tnh Bnh Dng vn duy tr c mc tng trng kh. Tc tng trng tn dng ca tnh ang i ng hng, ng mc tiu v mang nhiu yu t tch cc www.themegallery.com Company Logo

5. Kinh t - b.chu k tng li sutChnh ph quyt nh th li sut theo th trng chng lm pht. Song, li sut li tng ngoi s kim sot. Ban u cc ngn hng ng thun li sut, nhng mt s ngn hng nh thiu thanh khon nn ph ro y li sut ln cao.

Nhng ngn hng ln, nh ACB, khng lm vo thiu thanh khon nhng khng th ng ngoi cuc ua tng li sut v khng mun b ht mt vn y mc li sut huy ng ln cao v dn n h qu l li sut cho vay cng ln rt cao.www.themegallery.com Company Logo

5. Kinh tquyt 11/NQ-CP ca Chnh ph v Ch th 01/CTNHNN ca Ngn hng Nh nc quy nh khng vt trn LS huy ng 14%/nm v gim lS vay 17-19%/nm, nhm kim sot tng trng tn dng gp phn kim ch lm pht tc ng nhiu n li sut cho vay c th ca tng ngn hng v ACB tun th nghim chnh.

Ngh

Li sut gi tit kim bng vn i vi khch hng doanh nghip ca ACBK hn tnh li/% nm KKH 1 2 3 6 9 12 18 24 36

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5. Kinh tLi sut gi tit kim bng vn i vi khch hng c nhn ca ACB

K hn tnh KKH li/%n m

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2

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6

9

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13.38

11.1Company Logo

5. Kinh t c. T gi hi oi Sng 11/02/2011, Ngn hng Nh nc (NHNN) Vit Nam cng b quyt nh tng t gi bnh qun lin ngn hng gia USD vi VND, t 18.932 VND ln 20.693 VND (tng 9,3%), ng thi thu hp bin p dng cho t gi ca cc ngn hng thng mi t +/-3% xung cn +/-1%. V lm pht cao, Ngn hng khng dm iu chnh tng t gi hi oi v cng lu tnh trng ny th cng hm cha mt c sc v t gi l mt r ro tim n T gi hi oi hin nay kh n nh, tuy nhin p lc v t gi t nay n cui nm 2011 khng phi l khng cwww.themegallery.com Company Logo

5. Kinh t

Biu t gi t USD/VND t 1-15/10/2011 ca ACB

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5. Kinh t C ch t gi hi oi nh hng ti cc hot ng u c, trong khi gi tr thc ca ngn hng b suy yu c iu chnh ln xung. V nhiu kh nng ngn hng trung ng phi thc hin vai tr l ngi cho vay cui cng i vi ngn hng mt kh nng thanh khon nhng cha mt kh nng thanh ton.

Chnh sch t gi tc ng mt cch nhy bn n tnh hnh sn xut, xut nhp khu hng ha ca doanh nghip trong tnh, lm sp gim li nhun t cc khon lin quan ti kinh doanh ngoi t.www.themegallery.com Company Logo

5. Kinh t d. T l lm pht: Vi li sut cao, trn mt nn gi c cao khin cho nhng xu hng ca lm pht tr nn kh kim sot, m lm pht li tc ng ngc li t gi to nn mt vng lun qun. Nhng u vo ( li sut huy ng) cao m tn dng kh khn th chnh cc ngn hng s kh khn do li nhun gim cn ri ro th tng cao hn. vy lm pht tng cao lm suy yu, thm ch ph v th trng vn, nh hng ln n hot ng ca cc NHTM.Company Logo

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II. Cc yu t v m tc ng6. Cng ngh- Hin i ha ngn hng- Cc sn phm cng ngh hin i - ACB internet banking

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6. CNG NGH Ngn hng ACB l ngn hng ng dng cng ngh thng tin sm nht v nhiu nht. N mang li kh nng cnh tranh cao nhng li lun b thch thc v an ton bo mt, ri ro cao v khng cho sai st nhiu yu khc. ACB l mt ngn hng bn l trc tuyn thng qua cc sn phm Internet-banking, phonebanking, home-banking, smsbanking, call center v cc loi th. Trong , cc sn phm ca Internet-banking c y tnh nng v gi tit kim, cm c ti khon tit kim v lm th tc vay.www.themegallery.com Company Logo

6. CNG NGH Ngn hng ACB Bnh Dng l i u trong vic gii thiu cc sn phm th quc t ti cc doanh nghip, t chc, c nhn trn a bn tnh. ACB Bnh Dng chim th phn cao v cc loi th tn dng quc t nh Visa v MasterCard.

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III. Gii php hon thin- a dng ha v nng

cao cht lng snphm, dch v ngn hng

- Pht trin cc dch v phi tn dngwww.themegallery.com Company Logo

III. Gii php hon thin- Chin dch qung b hnh nh, chm sc

khch hng

- Pht trin a knh phn phi, m rng mng liwww.themegallery.com Company Logo

III. Gii php hon thin- ng dng cng ngh k thut.

- y mnh vic lin kt gia cc Ngn hngwww.themegallery.com Company Logo

III. Gii php hon thin- Nng cao nng lc ti chnh

- Tn dng l thnh vin G12 + 1- o to hun luyn

nhn vin

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