tit Tang 8 -Vincom Center, 72 Le Thanh Ton &45A LyTa Trong, P. Ben Nghe, Q.I, TP.HCM, Viet Nam

S (84 8)38210056 ^ (84 8)38216913 © Swift: EBVIVNVX •© www.eximbank.com.vn

DAI HOI DONG CO DONG THlTOfNG NIEN EXIMBANK NAM 2017

(DAI H0I DONG CO DONG LAN THlT 33)

BAO CAO CUA BAN KIEM SOATVE HOAT D0NG NAM 2016 VA DINH HirONG NAM 2017

Kinhtrinh: DAI HOI DONG CO DONG

Can cu veto chuc ndng nhiem vu cua Ban Kiem sodt ("BKS") dupe quy dinh trong

Luat Cdc to chuc tin dung 2010; Dieu le cua Ngdn hang TMCP Xudt Nhap KhduViet Nam ("Eximbank") vd Quy che To chuc vd hoat dong cua BKS;

Can cu Quy che qudn tri Cong ty dp dung cho Cong ty niem yet;

Can cu iinh hinh hoat dong cua Ngdn hang TMCP Xudt Nhap Khdu Vi^t Nam, bdocdo cua Hoi dong qudn tri ("HDQT"), Ban dieu hdnh ("BDH") vd kit qua hoat

dong cua BKS trong ndm 2016;

BKS Ngan hang TMCP Xult Nhap Khau Viet Nam ("Eximbank") xin bao cao truoc

Dai hoi d6ng Co dong Ngan hang TMCP Xuat Nhap Khau Viet Nam ("DHDCD") cacnoi dung nhu sau:

I. HOAT D0NG CUA BKS TRONG NAM 2016:

Tir ngay 15/12/2015, BKS nhiem ky VI (2015-2020) tiep nhan nhiem vu, gom 05thanh vien, trong do eo 01 Truong Ban, 03 thanh vien chuyen trach va 01 thanh vien

khong chuyen trach.

True thuoc BKS co Ban Kiem toan noi bo (KTNB).

Trong nam 2016 BKS da thuc hien va hoan thanh cac nhiem vu dugc qui dinh taiDieu le to chuc va hoat dong cua Eximbank bao gom cac noi dung chinh nhu sau:

1. Giam sat cac hoat dong va viec tuan thu cua Eximbank theo quy dinh cua

phap luat va dieu If Eximbank:

De giam sat viec tuan thu cac quy dinh trong cong tac quan tri, dieu hanh ngan hang

cua HDQT, BDH Eximbank, trong nam 2016, Truong BKS va cac thanh vien da tham

gia 25 cuoc hop cua HDQT, 12 cuoc hop giao ban, tong k^t giua HDQT- BKS - BDH.Tai cac phien hop nay, BKS da cung tham gia thao luan, dua ra khuyen nghi, canh bao va

dong gop y kien vao cac noi dung cua tung phien hop, dac biet la cac noi dung lien quan

din viec thuc hien Nghi quylt DHDCD va cong tac to chuc DHDCD n^m 2016. Bencanh do, BKS cung quan tarn, phan hoi tat ca van de thac mac, de nghi cua co dong va

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Tp.HCM,

^C0NGHOAXAH0ICHUNGHIA VIET NAMEXIMBANKDoc Lap - Tir Do - Hanh Phiic

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nhdm co dong lien quan den tinh hinh hoat dong cua EIB va cac npi dung lien quan den

DHDCD nam 2016, dong thdi khuy^n nghi HDQT thuc hien mot so yeu cau hop phap

ciia co dong va nhom co dong.

Trong nam 2016, BKS da to chuc 59 phien hop, trong do co mot so phien hop co su

tham gia cua Lanh dao KTNB de thao luan, trien khai va thuc hien chuc nang nhiem vu

giam sat hoat dong tai Eximbank. BKS cung da lien tuc co cac buoi hpp cung vdi Ban

KTNB de tSng cudng cong tac chi dao doi vdi cong tac KTNB trong toan he thong, cong

tac theo doi, don doc Hoi so, cac Chi nhanh, Phong giao dich kh&c phiic chinh sua cac

kien nghi cua Co quan Thanh Tra Ngan Hang Nha Nude, BKS, Ban KTNB. K^t qua

khac phuc chinh sua cua Don vi cung la mot phan chi tieu xep hang rui ro cua Don vi.

De tang cudng cong tac giam sat hoat dong, hang tuan, hang thang, hang quy, BKS

d^u chi dao KTNB thuc hien cac bao cao theo doi tinh hinh hoat dong kinh doanh cuaEximbank, trong do theo doi viec thuc hien ke hoach kinh doanh; viec tuan thu cac ty le

dam bao an toan trong hoat dong; co cau nguon von - tai san va hieu qua mang l^i tu co

cau do; can doi ky han dam bao tinh thanh khoan; theo doi np qua han, no co cau, np ban

VAMC; cong tac trich lap va su dung du phong rui ro; cong tac dau tu tai chinh cung nhu

cong tac dau tu, khai thac tai san c6 dinh, tai san can tru no,...

Thong qua ket qua giam sat, BKS da kip thdi ghi nhan nhOng ton tai trong qua trinhhoat dong, dua ra nhung de xuat, kien nghi voi HDQT, BDH cac bien phap tang cudng

kiem soat, sua doi/hoan thien quy trinh, quy dinh npi bp,... nh^m han chd, giam thieu rui

ro, dam bao tuan thu cac quy dinh cua phap luat, nang cao chat lupng va hieu qua hoat

dong.

2.Giam sat vic thuc hien cac nghi quyet cua DHDCD:

Trong nam 2016, Eximbank da td chuc 02 lib DHDCD thudng nien (29/04/2016 va

24/05/2016) nhung chua dupe DHDCD thong qua Nghi quy^t Dai hoi. Tigp do,Eximbank du kien to chuc DHDCD bat thudng vao ngay 02/08/2016, tuy nhien vln chuathuc hien dupe. Theo do, cac dinh hudng va muc tieu kinh doanh trong nam 2016 van

chua dupe DHDCD thong qua.

Mac du trong boi canh nen kinh te con nhieu khd khan cung nhu su canh tranh

manh me cua cac to chuc tin dung khac, HDQT, BKS va BDH van quyet tarn phan dau

thuc hien ke hoach hoat dong kinh doanh theo cac chi tieu du kien trinh DHDCD nam2016 va da dat dupe nhung con so kha quan.

Ben canh viec giam sat hoat dong kinh doanh, BKS cung da tiep nhan, xem xet va

phoi hpp vdi HDQT de phan hoi va thuc hien cac kien nghi cua cac co dong, nhom codong cung nhu chi dao cua Ngan hang Nha Nude doi vdi hoat dong cua Eximbank va

cong tac to chuc DHDCD.

3.Thuc hien cong tac KTNB:

Tinh den 31/12/2016 , Bp may KTNB Eximbank co 72 nhan su gom 01 Trudngban, 02 Phd ban va 69 kiem toan vien, nhan vien.

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Theo ke hoach kiem todn ndm 2016 c6 53 dot kiem todn, tuy nhien trong ndm 2016,Co quan Thanh tra, gidm gidt NHNN da tien hdnh thanh tra, kiem tra tai 39 Chi nhdnh vdHpi sd chinh cua Eximbank. Do d6, de phu hop voi tinh hinh thyc te vd theo dinh huongrui ro, BKS dd chi dao Ban KTNB dieu chinh ke hoach kiem toan, thpc hi?n 33 dgrt kiemtoan gom 18 Ph6ng ban Hpi sd vd 15 Chi nhanh, PGD. Doi voi cdc dodn kiem toan, BKSdeu co phan cong cac thdnh vien BKS phy trdch dodn kiem toan de giam sat ch^t chS vdco chi dao xuyen suot trong qua trinh kiem toan, tham gia hpp thong qua ket qud kiemtoan nhdm ddm bdo chat lupng kiem toan cung nhu ddnh gid khdch quan, thyc chat tinhhinh hoat dQng cua cac Don vj dupe kiem toan. Ket qud kiem toan da dua ra 4.315khuyen nghi de Hpi sd vd cac don vj dupe kiem toan khdc phuc/bo sung/chinh sira cacsai sot nhdm han che rui ro trong hoat dpng; trong do co 703 khuyen nghi doi voi HQi sdlien quan den quy trinh, quy che nhdm gop phan ngdn ngira rui ro, ddm bdo chdt che hontrong hoat dQng.

BKS cung chi dao KTNB theo doi vd bdo cdo hang thdng tinh hinh khdc ph\ic chinhsira cua Hpi s^, Chi nhanh, Phdng giao djch doi vdi cac kien nghj cua Ket luan Thanh tra,co vdn bdn don doc doi vdi cac Don vj cham khdc phyc chinh sua.

Ket qud kiem toan cho thdy ve co bdn cac don vj dupe kiem toan dd tuan thu quytrinh, quy dinh ve ede mdt ho^t dQng. Cac ton t^i, sai sot ghi nhan tai bdo cdo kiem toanda dupe ede don vj nghiem tuc rut kinh nghi?m vd tich c\rc tdng cu^ng cac bi?n phdpgiam sat, qudn ly nhdm khdc phuc ton t^ii sai sot. Tuy nhien, so t6n tai, sai sot d6n naychua khdc ph\ic chinh sura con khodng 38%.

De chuan hoa cong tdc KTNB vd thi^t lap co sd xay dung ke hoach KTNB hang

ndm dua tren miic dQ rui ro cua tumg Don vi, BKS nhiem ky VI cung dd ban hanh "Sotay KTNB" vd "Quy dinh ve xep loai rui ro d6i voi cac Chi nhanh, Phong giao dich

Eximbank". Thong qua vi^c dp dyng cac qui dinh nQi bQ, cong tdc dao tao nQi bQ, chdtlupng kiem tra, kiem sodt nQi bQ t^i Eximbank ngdy cdng dupe cung co vd nang cao, npidimg KTNB da co h^ thong, tap trung nhi^u vdo kiem sodt quy trinh nghi^p vy vd h^thong kiem tra, kiem sodt nhdm phdt hi^n, ngdn ngira, han che rui ro trong hoat dpng,

dam bdo tuan thu ede quy djnh cua co quan qudn ly nhd nuoc vd cua Eximbank.

4. Giam sat vifc lap danh sach co dong sang lap, co dong Ion vd ngudi co lienquan cua Thdnh vien HDQT, Thdnh vien BKS, Tong Giam doc:

BKS thyc hi^n cong tdc giam sat vi?c lap danh sach co dong sang lap, co dong Ionvd ngu^i c6 lien quan cua Thdnh vien HDQT, Thdnh vien BKS, Tong giam d6c theo dinh

ky. Trong ndm 2016, ong Cao Xuan Ninh - Thdnh vien HDQT c6 don xin tir nhi?m chucdanh thdnh vien HDQT nhi?m ky VI (2015-2020) voi ly do cd nhan. Vi^c mien nhiemchiic danh cua ong Cao Xuan Ninh sS dupe thpc hi^n theo quyet dinh cua DHDCD.

Trong ndm 2016 Eximbank cung co thay doi Tong gidm doc: Ong Tran Tan Lpcthoi chuc danh Quy6n Tong Gidm doc vd Ong Le Vdn Quydt - Thdnh vien HDQT dupebo nhi^m chiic danh Tong gidm doc theo Nghj quyet HDQT so 24/2016/EIB/NQ-HDQTngdy 16/03/2016.

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Bao cdo giam sat vif c ndm giur co phan cua c6 dong ldn vd nguai c6 lien quan cuaThanh vien HDQT, Thanh vien BKS, Tong giam d6c duyc l^p dinh ky. Trong ndm 2016,

tai Eximbank khong phat sinh giao djch mua ban co phieu ciia thanh vien HDQT, thanhvien BKS, Tong giam doc.

5.Ve phoi hyp hoat dfng cua BKS voi HDQT, BDH:

HDQT vd Tong giam doc da phoi hyp vd tyo dieu kif n de BKS thyc hifn chuc ndngnhif m v\i cua minh.

Tong giam doc vd cdc thanh vien BDH da thuang xuyen cung dp cdc thong tin, baocao va du: lifu lien quan theo dinh ky va theo db nghj cua BKS.

Kit qua giam sat, kiem tra kiem toan cua BKS dbu dugc thong bao day du, kip thai

tai Chu tich/Thanh vien HDQT, Uy ban Qun ly rui ro thupc HDQT va Tong giam doc.Cac y kiln, kiln nghj cua BKS trong n3m 2016 dlu du^c HDQT va BDH ghi nhan, tilp

tuc bo sung, chinh svra hoan thi^n.

BKS phoi h<^p vdi HDQT, BDH d! theo doi, don die, nhic nhd e^e Dan vi thuchi?n khdc phuc chinh siia cac sai pham theo cac Kit lun thanh tra theo dung th^^i hanquy dinh, dong thcri giam sat vi?c xit ly nghiem trach nhi?m cua tap thl/ca nhan c6 hanh

vi co y lam trai, vi pham phdp luat/ede chinh s^eh tin dyng, quan trj nQi bQ cua Eximbankva cua Ngan hang Nha nuac.

6.Cac cong vi^c khac theo quyet djnh cua DHDCD, quy djnh cua Dieu If:

Trong n3m 2016, BKS cung da l^p b^o c^o 06 thang va bao cao n&m ve tinh hinhhoat dqng cua EIB guri din HDQT/BDH. Qua cac bdo cao nay BKS cung da danh gia titca cac hoat dong cua Eximbank va kiln nghj HDQT/BDH trong cong tac quan trj, dilu

hanh theo dung qui dinh phap luat va nang cao hif u qua hoat dpng cua Eximbank.

II. DANH GIA HOAT DQNG CUA EXIMBANK TRONG NAM 2016:

1. Vifc thyc hifn cac djnh hirong, muc tieu kinh doanh:

N3m 2016, m^c du chua du^c DHDCD thong qua ede chi tieu kinh doanh cua n^m2016, nhung Eximbank van no l\rc thyc hifn ede myc tieu kinh doanh da db ra. Ben canhbli cdnh moi truang kinh tl vi mo con nhieu diln biln phiic tap, sy canh tranh gay gdt

giua ede Ngan hdng thuong mai ngdy cdng khoc lift, Eximbank con phdi doi difn vainhOng kho khdn trong cong tdc to chiic DHDCD, cong tdc truyln thong, cong tdc nhan sycip cao, cho nen hau hit cac chi tieu dlu khong dat nhu kl hoach de ra tuy nhien co sy

tdng trudng so vai vdi nam 2015. Cy the: Tong tai sdn: 128.802 ty dong, tang 3,16% sovai nam 2015, hodn thdnh 96,1% kl hoach; Von huy dfng tu to chuc kinh tl vd dan cu:102.351 ty ding, tang 3,98% so vai nam 2015, hodn thanh 94,8% kl hoach; Tong du nycap tin dyng: 95.511 ^^ dong, gidm 0,7% so vai ndm 2015, hodn thdnh 95,5% kl hoach;Lyi nhuan trudc thul: 391 ty dong, gap 6,4 ldn ndm 2015, dat 97,75% kl hoach. Kit thucndm tdi chinh 2016 dy kiln trinh DHDCD khong chia co tuc ndm 2016.

Ben canh do, cdn 03 chi tieu chua tuan thii quy dinh Thong tu 36 tyi thdi diem ngiy31/12/2016 gom:-Ty If gop von vio To chiic tin dyng khic: Eximbank dang gop vdn vio Sacombank

(STB) li 8,76% (miic theo luat dinh toi da li 5% von di^u If); Eximbank da dugcNHNN chap thuan vif c thoii vdn vi dang tien hinh cic thu tyc thoii von STB theodiing qui dinh.

-Ty If du ng cho vay chiing khoin/tong du ng ciia Eximbank li 6,29% (miic theo luatdinh toi da li 5%). Ty If vugt quy dinh nguyen nhan chii y^u do 7 khich hang cd dung li 746 ty chiem 6,04% tong vdn dieu If, cd tii sin bio dim li 74.904.573 co phieuSTB. Theo Ket luin thanh tra thi Cyc II khong cho phep Eximbank xii ly tii sin thechap li co phieu STB de thu hdi ng vay (tham chi Eximbank cung khong dugc bin tiisin hinh thinh tir von vay li co phieu EIB), vi vay khoin vay hifn tai da chuyen ngqui hyn nhdm 3 vi trich lap dy phdng diy du theo quy dinh cua NHNN. Dau thing07/2016, Eximbank da nfp don khdi kifn 07 khich hing niy tai Tda in nhan dan dexir ly thu hdi ng theo quy dinh.

-Tong du ng cap tin dyng doi vdi mft khach hang: Eximbank di cho vay vugt ty IfNHNN cho phep (vugt 73,45 ty so vdi gidi han cho phep cua Ngan hing nhi nude).Hifn nay Eximbank da ngirng giii ngan them vi dang thyc hifn thu ng dinh ky theolich tri ng, dy kien den gifta nim 2017 sS dua muc du ng vugt ciia khich hing niy vediing gidi han cho phep ciia NHNN.

3. Hoat df ng quan trj rui ro:

Trong 2016, Eximbank trien khai Dy in Tii ciu tnic vi chidn luge Eximbank. Dyin dang trong qui trinh thyc hifn tii ciu tnic mo hinh to chiic bf miy quin tri dieu hinhtir HDQT din cic Khoi/Phdng/Ban Hfi sd vi Chi nhinh, PGD; xiy dyng, cii tien co chephin cap phin quyen nhSm phyc vy khich hing dugc nhanh chdng, hifu qui, thyc hifnquin tr| nii ro hf thong hudng den myc tieu phit trien on dinh, ben v^ng, phdng ngua niiro, ton that cd khi ning xiy ra doi vdi Eximbank.

Trong co cau to chiic nhan su cua Uy ban quin ly nii ro, Eximbank cdn chii trgng

vifc bo tri cic thinh vien ngudi nude ngoii thong thao cic chuan muc quin trj nii roqudc te ket hgp vdi cic thinh vien ngudi Vif t Nam cd sy thiu hieu cic die trung nii rociia thj trudng Vif t Nam.

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2. Tuan thu cac gioi han, ty If dam bao an toan:

Trong nim 2016, hau het cac chi so chinh ve ty If dim bio an toan hoat dong ciiaEximbank tuan thu theo quy dinh Thong tu 36/2014/TT-NHNN cua Ngan hang Nhinude, cy the:

-Ty If nguon v6n ngin han dugc sii dyng de cho vay trung dii han: 53,23% (theo quy

dinh ciia NHNN < 60%, tuy nhien ty If niy ph^i giim ve mure quy dinh tai Thong tu06 co hifu lye tir 01/01/2017 1* < 50%).

-Ty If du ng cho vay so vdi tong tien guri: 79,23% (quy dinh cua NHNN < 80%).

-Hf s6 an toan von (CAR): 17,12% (cao hom nhieu so vdi mure quy djnh cua NHNN la

Cong tac quan tri rui ro tin dung, rui ro thanh khoan va rui ro hoat dong dugc

Eximbank chu trong, dam bao tuan thii phap luat va phu hop vdd dieu kien kinh doanhtirng thai ky. Viec xac dinh quan ly chat che cMt lugng tin dung cua cac khoan vay mai

se giup Eximbank han che toi da chi phi trich lap du phong rui ro, cong tac theo d5i chStche chat lugng xu ly ho so tin dung va giam sat sau giai ngan luon dugc dpi ngu kiem tra,

kiem soat npi bo don doc xu ly kip thai tai tung chi nhanh, phong giao dich cuaEximbank.

Ben canh do, Ban lanh dao cap cao cua Eximbank nhan thuc dugc sir can thiet quan

ly cac rui ro va kiem soat rui ro doi vai cac hoat dong kinh doanh cua ngan hang theo

huang: khong ngimg cung co va hoan thien bo may to chuc, chuan hoa cac quy trinh, quy

che trong hoat dong ngan hang; tang truang tin dung hgp ly, dac biet coi trgng chat lugngtin dung va kiem soat ng xau, phan bo han muc tin dung hgp ly cho timg nganh nghe,

tung cap quan ly; quan ly danh muc dau tu, co phan tich danh gia hieu qua tung khoan

muc; cong tac quan tri nguon nhan lure, bo tri, sap xep, tinh ggn bg may nham dap ung

yeu cau huang den khach hang va phu hgp quy mo phat trien cua Ngan hang; cap nhat

cac kien thuc, thong tin nghe nghiep cho nhan vien, to chuc thuang xuyen cac khoa dao

tao, dao tao lai, tap huan nham nang cao trinh do nghiep vu, ky nang cho nhan vien.

Trong nam 2016, Eximbank tiep tuc trien khai du an Basel II nham dam bao thuc

hien diing 16 trinh do Ngan hang Nha nuac dk ra. Ngoai ra Eximbank da ban hanh cacquy dinh: Tuyen b6 Khau vi rui ro hoat dong, Bo Quy tac ve chuan muc ung xu cua

Eximbank, Thoa uac lao dong tap the. BKS da ban hanh So tay KTNB.

III. KET QUA THAM DINH BAO CAO TAI CHINH NAM 2016:BKS da thuc hien viec tham tra Bao cao tai chinh hgp nhat sau kiem toan cua ngan

hang va cong ty con den het ngay 31/12/2016 va thong nhat xac nhan ket qua nhu sau:

+ Bao cao tai chinh hgp nhat da phan anh day du tinh hinh hoat dgng kinh doanh,tinh hinh tai chinh cua Eximbank va cong ty con, dugc trinh bay theo cac mau

bao cao quy dinh tai Quy^t djnh s6 16/2007/QD-NHNN ngay 18/4/2007 cua

Ngan hang Nha nuac ve che do bao cao tai chinh doi vai cac TCTD, phu hgpvai cac Chuan muc ke toan Viet Nam va cac quy dinh hi^n hanh.

+ Bao cao tai chinh hgp nhat da trinh bay trung thuc va hgp ly tren cac khia canhtrgng yeu tinh hinh tai chinh cua Eximbank va cong ty con tai thai diem31/12/2016 cung nhu ket qua hoat dong kinh doanh hgp nhat nam 2016.

Cac s6 lieu ve v6n va tai san tai thai diem 31/12/2016 va ket qua hoat dgng kinh

doanh hgp nhat cua Eximbank nam 2016 nhu sau:

1.Tongtaisan:128.802 ty dong

2.Vonchusahuu:13.448 ty dong

3.Ket qua kinh doanh nam 2016:

-Lgi nhuan thuan tu KQKD truac chi phi DPRRTD: 1.480 ty dong

-Chi phi DPRRTD:1.089 ty ddng

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Tong lqi nhuan truac thu^:391 ty dong

- Thue TNDN:82 ty dong

L^i nhuan sau thue:309 ty dong

IV. PHlTONG HlTOfNG HOAT DONG NAM 2017 VA KIEN NGHI:

1. Phirong hirong hoat dong nam 2017:

Can cu chiic nang nhiem vu cua BKS, phuoug huang hoat dong nam 2017 cua

Eximbank, BKS tap trung vao cac cong viec chinh nhu sau:

1)Trien khai cong tac KTNB theo ke hoach da duqc HDQT, BDH thong ntat vada dang ky vai NHNN; ra soat, danh gia doc lap, khach quan ve tinh thich hop,dky du, hieu lire va hieu qua cua he thdng ki^m soat noi bo.

2)Tham dinh bao cao tai chinh 06 thang va bao cao tai chinh nam, soat xet so lieu

hang thang/quy doi voi mot so khoan muc/hoat dong co anh hucmg Ion tai ket

qua tai chinh.

3)Giam sat viec chap hanh qui dinh noi bo, Dieu le va Nghi quyet, Quyet dinh cuaDHDCD va HDQT Eximbank.

4)Tiep tiic kiem soat viec thue hien khac phuc chinh sua ciia cac dan vi/chinhanh. Dong thai kien nghi len HDQT ap dung hinh thue xu ly phu hop doi vaicac dan vi/chi nhanh chua c6 y thue trong cong tac khac phuc chinh sua.

5)Ra soat cac van ban, qui trinh tai Eximbank (gom ca Dieu le): Tiep tuc tong hopva co khuyen nghi vai Hoi sa chinh. BKS tiep tuc theo doi viec thue hienkhuyen nghi cua BKS doi vai HDQT ve viec sua doi dieu 1? Eximbank cho phuhop vai cac v&n ban phap luat hien hanh.

6)Thue hien tai c^u true Ban KTNB nh^m gia tang chat luqng kiem soat cungnhu cong tac van hanh bo may kiem toan duqc de dang, thong suot va chat

luang han. Xay dung ca che tra luong cho Ban KTNB can cu tren ket qua hoan

thanh nhiem vu, dam bao khuyen khich cong hien cho ngan hang.

7)Dam phan, ky ket hop dong tu van luat cho BKS de dam bao doc lap vaiHDQT, BDH.

8)Tiep tuc hoan thien xay dung he thong cham diem rui ro cac Dan vi tai Hoi sa,

tir do lam ca sa xay dung ke hoach kiem toan hang nam.

9)Sua doi bo sung So tay KTNB dam bao day du, hoan thien horn.

10)Xay dung va hoan thien du an cong nghe hoa cong tac giam sat dua theo he

thong Corebank mod, thue te se trien khai ttrng buac tuy thuoc vao kha n^ng

dap ung cua Khoi cong nghe thong tin.

11)Ra soat mot so v^n db con t6n tai anh huang den hoat dong cua Eximbank:

+ Tinh hinh ca cau nq so vai quy dinh cua phap luat;

+ Ra soat cac khoan vay trung dai han co lich tra nq bat thuang;

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+ Cong tac dinh gia lai tai san th8 chip va viec cap nhat vao h? th6ng;

+ Phap ly cac khoan vay nhan TSBD hinh thanh trong tucmg lai va kha n5ngthu hoi no;

+ Giam sat hinh thuc cho vay tai tai trp;

+ Cho vay nhdm khach hang co lien quan;

+ Ra soat cac khoan vay the chap bang dong san, tinh trang tai san;

+ Ra soat cac khoan vay qua han keo dai, phat sinh lai treo Ion, tu do co cac

kien nghi guri den BDH xem xet xvr ly theo quy dinh ciia phap luat;

+ Ra soat cho vay tra nqr trudc han, cho vay tuin hoan;

+ Ra soat danh muc tin dung, trong do chu y chat luong tin dung thuoc cac

nganh nghe rui ro nhu cho vay bat dong san, the chap bat dong san, cho vay du

an giao thong BOT, BT, cho vay phuomg tien van tai, cho vay chumg

khoan/cam co chung khoan,...

12) Phoi hop vdi HDQT, BDH de to churc thanh cong DHDCD nam 2017.

2. Kien nghi:

Tu cac nhan xet, danh gia tren, BKS ki^n nghi voi DHDCD, HDQT va BDH

Eximbank:

1)Tiep tuc co cau, kiem soat chat che danh muc tin dung de dam bao co cau danh

muc va chat lugmg tin dung an toan phu hop voi muc tieu d6 ra. Tiep tuc chu

trong cong tac thu hoi no xau, no da ban VAMC, no ngoai bang. Tang cuong

cong tac nhan dien, quan ly cac khach hang co moi quan he lien quan; tang

cuong quan ly du ngr khach hang/nganh hang chiu nhieu tac dong tu su thay doilien tuc cua gia ca thi truong the gioi hoac trong nude, cac khach hang co du no

Ion tiem an rui ro.

2)Tiep tuc duy tri cac ty le an toan trong hoat dong dam bao tuan thu quy dinh cua

NHNN. Co 1q trinh khac phuc cac ty le an toan chua tuan thu dung quy dinhcuaNHNN.

3)Doi vdi cong tac dau tu tai san co dinh: ra soat lai nhu cau su dimg trong hien

tai va du kien trong tuong lai, thanh ly cac tai san khong cd nhu cau su dung de

tranh lang phi.

4)Quan ly tot chi phi hoat dong nham dam bao hieu qua kinh doanh de ra.

5)Doi vdi cong tac nhan su: can cd co che cham diem hoan thanh nhiem vu hop

ly hon, dinh luQmg hon, quy ch phan phoi luong hop ly horn nhSm danh giachinh xac su dong gdp cua tung ca nhan vao ket qua cua Eximbank. Ben canh

do, cac phong ban/don vi d Hoi so chinh va Phd TGD phu trach cung phai duoccham diem hoan thanh theo nhiem vu duoc giao de gin trach nhiem cua HSC

vdi chi nhanh.

9/9

Nai nhan:-NHNH (di bao cao);

-DHDCD (de trinh);-HDQT, TGD (di phoi hap);-Lint BKS.

6)Ti6p tuc ra soat, hoan thien cac quy che, quy dinh ciia Eximbank dam bao phuhop vai cac v&n ban phap luat hien hanh va nhung thay doi trong muc tieu kinhdoanh cua Eximbank nhu: He thong xep hang tin dung, Quy che tai chinh, Quyche cho vay, Quy dinh dam bao tien vay, Quy che tien gui tiet kiem, thu chi tienmat ngoai tru so ngan hang,...

7)Co giai phap day nhanh tien do thuc hien, som dua vao hoat dong, su dimg cac

du an, cong trinh trong diem co tac dong Ion den hoat dong kinh doanh cua

Eximbank nhu: du an Corebank va Trung tarn du lieu, xay dung tru so chinh,

he thong xep hang tin dung.

8)Tang cuong hoat dong giam sat, KTNB, tiep tuc hoan thien he thong phat hienrui ro tiem in trong hoat dong cua Eximbank de canh bao va dua ra bien phap

chan chinh, phong ngua kip thai.

9)BDH chi dao quyet liet cac Phong/Ban/Don vi nhanh chong thuc hien khacphuc chinh sua theo cac ket luan cua Thanh tra va cac khuyen nghi cua BKS va

KTNB.

10)Tiep tuc 16 trinh dua hoat dong cua Eximbank ap dung cac tieu chi danh giatheo tieu chuan Basel II.

Tren day la bao cao cua BKS ve ket qua giam sat hoat dong cua ngan hang n&m

2016 va dinh huang nam 2017.

Tran trong kinh trinh DHDCD.TM. BAN KIEM SOAT

TRlTdNG BAN