VE HOAT DQNG KINH DOANH NAM 2017 VA KE HO^VCH NAM 2018

Kinh trinh: DAI HQI DONG CO DONG

PHAN I. KET QUA HO^T DQNG KINH DOANH NAM 2017

Bdi cdnh chung. Trong nam 2017, tang trudng kinh t^ todn cau dyt 3,6%. DiSu

nay nhd cdc di^u kien tai chinh thuan lpi ciing nhOng hd tra tvr chinh sdch tidn t cua

cac qudc gia, khong lo^i trir nhftng y^u t6 tieu ctrc c6 th^ anh hudng d^n da tang

truong kinh t& toan dm, d^ng chii y la vi?c cac ngan hang Trung ucmg that chat chinh

sach ti6n t?. Trong nam 2017, Fed da co 3 lin tang lai suit, sau khi cdc di^u ki?n th)

truong lao dpng va lam ph^t theo nhu ky vpng. Di^u kipn tai chinh thuan lpi va mQt soh6 tra tvr chinh sach tai khoa da dan d^i triln vpng kinh ti toan clu kha tuai s^ng va

ddng d^u gifta cdc nln kinh ti phat trien va mdi n6i. Kinh ti M^ dang ^ giai doan an

toan va c6 nhiSu chi s6 tich c\rc Kinh t^ khu v^rc Eurozone nhi^u kha n^ng tigp tyc

duy tri da phyc hoi.

N^n kinh ti trong nude tang trudng kha 6n dinh khi luon cao han mtic tang

trudng trung binh giai do^n 2011 - 2017. Nam 2017, tang trudng kinh t^ GDP d?t

6,81%, cao han muc tieu 6,7%, muc tang trudng cao nhit trong vdng mpt th^p ky trd

lai day. Ty 1? lam phdt cd xu hudng giam r5 r?t, n^m 2017 la dudi 5% (thap han ti 1?

lam phat trung binh giai doan 2011-2017 la 6,5%). Tdng phuang ti^n thanh toan tang

14,19% so vdi cudi nam 2016 (cung ky nam trudc tang 16,47%); tang trudng tin dyng

nam 2017 d muc 18,17%. Chinh sach ti^n t^ nam 2017 da ddng gdp nhi6u cho thanh

tuu d^t dupe cua muc tieu qudc gia nhu tang dp trtt ngoai hoi; kiem so^t dupe l^m

phat th^p han mpc tieu d6 ra; tang trudng tin dyng di dkn vao myc tieu tang chat lupng

va kich thich phat trien kinh t&, day nhanh qud trinh ca ciu lai hp thdng cdc td chuc tin

dyng vd xu ly np xdu; thi trudng ngoai t? va vdng it bi^n dpng mynh trong nam.

^O CAO CUA BAN DIEU HANHD^^THAO

l, ngay.llthang..^..nam...o20lS

DAI HQI DONG C6 DONG THUQNG MEN EXIMBANK NAM 2018

(DAI HQI DONG C6 DONG LAN THir 34)

M\CONG HOAXAhQICHUNGHTA VIET NAME^IMBANKBociap-Ti/do-Hanhphuc

Tinh hinh Eximbank. Ndm 2017 hopt dpng cua Eximbank doi mat vdi rat nhieu

kh6 khan thdch thiic nhung cung vdi svr n lpc cua toan he thong Eximbank da c6

budc tang trudng tot nhat trong vdng 4 nam qua.

I. Nhirng muc tieu va giai phap chu yeu trong ndm 2017

1.Muc tieu:

-D^t uu tien xu ly np t6n dpng, dac bipt Id np da ban VAMC, tirng budc dua

ty lp np xdu thpc td ddn nam 2020 xu6ng dudi 3%.

-Thiic day tang trudng huy dpng vk tin dpng de md rpng thj phan sau giai

doan spt giam lien tuc va keo dai.

-Tap trung xda 16 luy ke d6 chim durt tinh trang bi c^nh bao tren san giao djch

chung khoan.

-Co c^u lai ngu6n v6n, tai sin d6 dim b^o tuan thu cdc quy dinh \h an to^n

hopt dpng theo quy dinh cua Ngan hang Nha nude (NHNN).

2.Cac giai phap cu the: xuat phat tu nhdng muc tieu nhu tren, trong nam 2017

Ban Dieu hanh da tap trung chi dao trien khai ede nhipm vu chu yeu nhu sau:

-Thic nh&t. Tang cudng huy dpng v6n nham dam bao tang trudng tin dpng va

ede ty 1? v6 an toan v6n theo diing quy dinh cua Ngan hang Nha nude.

-Thu hat. Djnh hudng tang trudng tin dung ngan hpn, kiSm sodt tin dpng

trung dai hpn theo hudng ddm bao an toan, hipu qua trong hopt dpng kinh doanh.

-Thu ba. Tap trung xu ly ede ton dpng, nhat la ede ton dpng trong hopt dpng

tin dpng. Tiep tuc chi dpo xu ly ede ydu cau ket luan cua Thanh tra.

-77!- tu. Hoan thipn va tinh gpn bp may van hanh tit Hpi sd d6n ede don vj

kinh doanh; xdc dinh k6 hoach kinh doanh la trpng tdm de dieu hanh qudn ly ede dem

vj kinh doanh.

-Thu nam. Ra sodt, di^u chinh, hodn thipn ede quy ch6, quy trinh qudn trj npi

bp nhdm vira dap ung ede yeu cau xu ly linh hopt trong dieu hanh kinh doanh, vira

dam bao ede yeu cau qudn tri hp thong va tang cudng sp ket noi gi&a Hpi sd chinh vdi

ede don vi kinh doanh d6 tung budc trien khai mo hinh qudn tri tpp trung.

-Thic sau. Ti6p tpc thuc hipn timg n^i dung cu th6 trong Dp an tdi cdu tnlc ve

xu ly np, cdu true he thong, mpng ludi, co cdu sdp xep lai Hpi sd chinh,...

Trang 2/8

III. Danh gia cong tac chi dao dicu hanh trong n^m 2017

1.Hoat dpng huy dpng von

Eximbank tiep tuc t^i ca cau nguon von huy dpng vdi mpc tieu giam dan ty 1?nguon von ng^n han dupe su dpng cho vay trung dai han de dam bio cau true von an

toan b^n vttng. Trong nam 2017, Eximbank da de ra nhilng chinh sdeh huy dpng linhhoat, phii hop theo timg giai doan, tri^n khai xuyen suot "6 Chuong trinh kich thich

ban hang" khuyen khich chi nhanh, phong giao dich dSy manh cong t^c huy dpng von;

ket hop vdri nhieu chuong trinh khuyen m^i hap dan, da thu hut nguon von huy dpng ttr

khach hang, dac biet la khach hang ca nhan va nguon von trung v^ dai han. Ket qua la

v6n huy dpng ttr t6 chuc kinh te va dan cu nam 2017 da tang truong 14,8% so voi cuoinam 2016, trong do ngudn v6n huy dpng ttr khach hang ca nhan tang 13,7%, nguon

v6n huy dpng trung dai han tang 16%. Ty trpng v6n huy dpng trung dai hpn trong tong

nguon von huy dpng cua ngan hang dupe cai thipn.

2.Hoat dpng tin dpng

Trong nam 2017, Eximbank da tung buac dieu chinh tot ca cau tin dung theo

huang tang cuang ty trpng tin dung ng^n han, gi^m dan ty trpng tin dpng trung dai

hpn, cung nhu dap ung ty 1? an toan trong hoat dpng theo quy dinh cua Ngan hang Nha

Trang3/8

160%

Ty le np xdu/tdng du np

ndm 2016: 2,95%

-10,2%

16,6%

14,6%

14,8%

0%

6%

16%

% tang/giam so n^m 2016

15,98%

1.018

2,27%

2.298

JO 1.324

101.399

117.540

12.355

14.251

149.370

Nam 2017

7. Ty 1? an toan v6n (CAR) hpp

nhat

6. Lpi nhuan truac thue

Ty le np xdu/tdng du np

5. No xau (nhem 3-5)

Trong do: Du np cho vay

4. Tong du np cap tin dung

3. Huy dpng v6n tir cac t6 chiic

kinh te va dan cir

Trong do: Von dieu le

2. V6n chit scr h&u

l.TOngtaisan

Chi tieu hprp nhat

Dan vf: ty dong

II. Ket qua kinh doanh chinh

nude. Theo do, doi vdi khdch hang doanh nghiep, Pip trung tang tru^ng tin dung ngln

han la chu yeu nham tao ngudn von khong ky han lam co sd day manh tai Pp thuomgmai va cdc hoat dpng thanh todn, ban cheo s^n phlm, han chl cho vay trung ddi hpn

ddi vdi cac llnh vpc kinh doanh b^t dpng san, giao thong, cdc dp an dlu tu ngodi cdc

hopt dpng kinh doanh cot I5i truyln th^ng cua doanh nghiep, cac dp an co nhu clu vl

vln vupt ndng luc tai chinh va khd ndng phdt triln thi truring cua doanh nghiep. B6i

vai khach hang cd nhan, tao ra cac san pham de khuyen khich cdc chi nhdnh phat trientin dung ngln han cd nhan, dong thai xem xet can nhlc trong vipc phat trien tin dung

trung dai han; xay dpng phat ttiln dpi ngu bin hang, hoan thipn chinh sdch ban hang,

xay dpng cac san phlm theo tirng phan khuc khach hang,...

Vai chinh sach dieu hanh nhu Pen, da dua tong du np cho vay to chirc kinh teva dan cu ndm 2017 cua Eximbank tdng 16,6% so vdi culi ndm 2016, Pong do du np

bin le tdng trudng manh (23%), cho vay ban budn cung dat dupe t6c dp tdng trudng

cao (12%).

3.Cac hoat dpng kinh doanh khac

Ben canh vipc phat Pi^n cac san phlm truyen thing vl huy dpng von, tin dpng

gop phln ddng kl Pong lpi nhuan, Eximbank c6n tim kilm lpi nhudn t€r cac hoat dpng

phi tin dung nhu: dlu tu chung khoan, kinh doanh ngoai tp, kinh doanh vang, thanhtodn qulc tl, thanh toan qua ngan h^ng, hoat dpng Th^... dl nang din ty Ppng thu nhap

tit ede hopt dpng nay trong tong thu nhap.

Ngoai ra, nhlm dap ling tit han theo nhu clu ciia khach hang, Eximbank da

khong ngirng cai tiln chit lupng sdn phlm dich vp trSn nln tdng c6ng nghe tien tien,

nhlm cung clp cac gidi phap tai chinh tli uu va tilt gidm tli da thiri gian cho khachhang. Cu thl, phdt Piln cac djch vp, tien ich gia tang Pen Internet Banking, MobileBanking nhu Piln khai dich vp Mobile Banking phien ban mod 2017 vdri nhilu tien ich

vupt Ppi (ddng nhap ling dung Mobile Banking blng van tay, chuyen khodn nhanh

lien ngan hang blng tai khodn, chuyln tiln Pong he thing Eximbank blng QR Code,

thanh toan hoa dan blng the qulc tl/tdi khodn, dang ky djch vp SMS Banking, dangky dich vp VnTopup...); Triln khai them dich vp thanh toan h6a dan vai d!i tdc

Payoo (Hoa dan tiln nude, Ve tdu during sit Viet Nam, Ve may bay, Bdo hilm,...);

Triln khai dich vp vi dipn tu Toppay (Aripay) vai ede tien ich nap tien, mua m3 thedipn thoai cac nha mang, npp tiln the game do VE cung cap, mua ma the game cacloai, thanh toan hoa dan tiln dien, nude, dien thoai, truyen hinh cdp, internet, chuyln

tiln Pen vi, nit tiln tu vi ve tai khodn lien ket tai ngdn hang...

4.Tai clu true h thong

Dp an tdi clu true vdi ten goi "Eximbank Mdi" Id dp an bao trum nhilu linh

vpc quan Ppng nhu: cac mang kinh doanh chinh, quan Pi doanh nghiep, qudn Pj nhansp. Vl quan Pj npi bp, dp dn da co budc cai each h| thing qudn Pj nguon nhan lpc

Trang 4/8

thong qua Pidn khai thiet lap h? thong muc tieu cong vipc (KPI) vd quy trinh ddnh gidhipu qua lam viec (PEP) hodn todn mdi. Ve mo hinh to chuc cua Hpi sd, dp an timg

budc thpc hipn vipc to chuc lai Hpi so thdnh 07 khdi chinh nhdm giam bdt cdc tang

nac ldnh d^o nhdm phan rS trach nhiem cac b^ phan, cung cap cdc ho trqr xuyen sudt

vd hipu qud han tit Hoi sd den Dem vj kinh doanh.

5.Tuan thu cac gidi han, ty If dam bao an todn

Kdt thiic ndm tdi chinh 2017, cac chi sd vh ty le dam bao an toan hoat dpng

cua Eximbank deu tuan thu theo dung quy djnh theo Thong tu 06/2016/TT-NHNN \k

Thong tu 36/2014/TT-NHNN ciia Ngan hang Nh^ nude, c^ th6:

-Ty 1? ngu6n v6n ng^n han duoc sii dyng de cho vay trung dai han: 32,19%

(theo quy djnh cua NHNN < 45%);

-Ty 1? du no cho vay so vdi tong tien gui: 76,71% (theo quy djnh ciia NHNN

< 80%);-H^ s6 an toan v6n (CAR) hop nh^t: 15,98% (cao hem so vdi muc quy djnh

cua NHNN la 9%).

6.Hoat dpng cong nghf thong tin

Trong nSm 2017, Eximbank tiSp tuc tap trung t6i da ngu6n l^c vao D^ an thay

th^ Corebanking mdi, d3c bi?t d e^e giai doan quan trong va phuc tap nhit cua dp an

nhu giai doan chuy^n ddi dO li?u, ki^m thu tich hpp he thdng (SIT), kilm thu ch^p

nhan ngudi dung (UAT), kiem thu bao mat (security testing), tiep nhan phan cung va

quan Pj h^ thdng. Ddng thai tri^n khai cac dp an khac va thuc hi?n e^e cong viec quanly v$n hanh he thdng cong ngh? thdng tin hiing ngay, phat teidn h^ thdng Korebank

hi^n tai de dap ung yeu cau kinh doanh ciia Ngan hang.

7.Cong tac quan trj nguon nhan luc, dao tao

N3m 2017, Eximbank da tridn khai dinh gia KPI Pong to3n h^ thdng; ki^n to3n

md hinh thSng tien, tien trinh nghe nghi^p; md rpng d3o tao toan dipn vd chuyen mdn,

nang cao tuan thii, khdng ngimg Pau ddi dao due nghd nghi^p; khuyen khich cac ho^t

dpng hpc tap, giao luu, chia se kidn thuc, kinh nghipm Pong npi bd, hoan thien ede k^

n3ng, dap ling cac yeu cdu kinh doanh va quan ly mdi; bd sung ngudn nhan lpc, dap

ung kjp thai cong tac phdt trien hoat dpng kinh doanh tai ede dan vj.

Tiep tpc day manh chuin hda ca cau td chuc nhdm tinh gpn bp mdy hoat dpng,

tdng ty 1? lpc lupng nhan sp bdn hang, tdng cudng mdi quan he gifta ede dan vj nghipp

vp t^i Hpi sd vdi ede dan vj kinh doanh nhdm trien khai hipu qud chinh sdeh kinh

doanh theo sdt nhu cau thj trudng; xay dung vdn hda doanh nghipp ddc trung vd mdi

trudng lam viec than thipn, ddi xu cong bdng, binh ddng gidi vdi ngudi lao dpng, phat

huy tinh dan chu, tinh minh bach vd chuyen nghiep nhdm thu hut nhan tai, khuyen

khich cdn bd nhan vien phat tridn tidm ndng, chdm lo ddi song can bp nhan vien thdng

Trang 5/8

qua cac chinh sdch nhan sy, dao tyo, quy hoach phdt triin nghi nghiyp, chinh sdch dai

ngy, an toan sue khoe cho can by nhan vien... nhdm duy tri vk phdt triin nguon nhan

l^e on djnh, chat lugng cao.

8.Hoat dyng hyp tdc vdi co dong chien liryc nu^e ngodi - Sumitomo Mitsui

Banking Corporation (SMBC)

Trong n5m 2017, hoyt dyng hop tdc gifta Eximbank vh SMBC tiip tyc dupe diy

manh thong qua cac chuong trinh lien ket va hgp tie kinh doanh gitta SMBC vh

Eximbank. Voi cam ket dau tu lau dai vao thj truftng Viyt Nam, SMBC da luon dong

hanh va ho try Eximbank ve nguon von, ho try ve dao tyo, giiip tang nang lye quan trjrui ro, quan tri doanh nghiyp. Nhim phat huy th^ manh cua moi ben, SMBC va

Eximbank da thi^t lap cac co ch6 k6t n6i doanh nghifp Vi?t Nam - Nhat Ban, gidi

thi^u doi tac va cung ling dich vy tai chinh cho khach hang cua nhau. Ngoai ra, SMBC

cung bi?t phai va cu nhieu cdn by den cong tac tyi Eximbank de cung Eximbank phdttri^n ha ting cong nghy thong tin, nghien ciru cai tiin cac san phim, dac biet la xay

dyng va trien khai ke hoach Tdi cau tnic va chien luyc cua Eximbank cho giai doyn

2016-2020.

9.Tinh hinh hoat dyng cua cong ty con

Cong ty TNHH Myt thanh vien Quan ly ny va khai thac tai san - Ngan hangTMCP Xuit Nhap Khiu Viyt Nam (gyi tat la AMC) co rniic v6n diiu 1? dang ky bandiu la 300 ty ding, vdn thyc gop din ngay 31/12/2017 la 955 ty ding.

Trong n^m 2017, cong ty AMC tiip tyc tap trung vao hoyt dyng tiip nhan, quan

ly va khai thdc tai san ciia Eximbank giao, tich eye xii ly phat m3i ede tai san can trtr

ny va cho thue tai san.

Ket qua hoat dyng:

-Doanh thu n^m 2017 dat 21,4 ty ding, giam 0,7% so vdi n3m 2016.

-Lyi nhuan trudc thui ndm 2017 la 13,7 ty ding, giam 1,7% so vdi ndm 2016

(tuomg duong 239 trieu ding).

Kit luan:

Moi trudng kinh doanh trong ndm 2017 con nhieu kho khdn, Hyi dong Quan trjva Ban Diiu hanh Eximbank da typ trung chi dyo sau sdt va quydt liyt to^n he thong

gift vftng hoat dyng kinh doanh in djnh va da c6 nhftng budc phdt trien tren hau h^t

ede chi tieu tryng yiu. Ting tdi sdn tdng 16%, nguon vin huy dyng tang 14,8%, du ny

cho vay tang 16,6%. V6i kit qud lyi nhuan truac thui dyt 1.018 ty ding, da dua

Eximbank hodn todn thodt kh6i 16 luy ki sau 2 ndm ki tu n^m 2015. Cdc chi si an

todn thanh khodn va an todn hoat dyng luon dam bdo, tich eye xu ly ny qud han vd ny

xdu, duy tri ty 1^ ny xdu a muc thdp (2,27%).

Trang 6/8.

Trang 7/8

- Dam b^o tuan thu cac ty 1? an toan trong hoyt dpng theo quy dinh ciia Ngan hang

Nha nude.

(*) Ki hoach tang trxtang tin dung ndm 2018 let 12% theo h^n mite tang trudng do

Ngan hang Nha nude thong bdo. Trong dieu ki^n kinh doanh thu^n l(ri, Eximbank se

xin phep Ngan hang Nha nude xem xet dieu chinh tang han mite tang trudng tin dung.

2. Nhung giai phap chu yeu thyc hien ke hoach kinh doanh n&m 2018

2.1Hoyt dpng huy dpng von:

-Tidp tyc diy mynh huy dpng vdn tvr ddi tupng khach hang ca nhan va phan

bd hpp ly gitta huy dpng ky hyn ngin va ky han dai nh^m tdi uu hda chi phi huy dpngnhung van d^p ung ty lp ngudn vdn ngiin hyn cho vay trung dai hyn.

-T^ng cudng huy dpng von tvr khach hang doanh nghipp, typ trung cai thipn ty

trpng tien giti thanh toan ciia khach hang doanh nghipp thong qua quan ly hipu qu^

ddng tien vd trong hoat dpng cho vay ddi vdi khach hang doanh nghidp ldn.

-Dat trpng tam tang trudng vao e^e khu vyc cd tiem nang phat trien hoat ddng

huy dpng vdn.

2.2Hoat ddng tin dung:

12%

26%

19%

Tang so vdi n^m 2017

1.600 tyddng

<3%

113.560 tyddng

148.000 ty ddng

178.000 tyddng

Kl hoach 2018

5. Lpi nhuan trudc thue

4. Ty lp np xau/tdng du np

3. Du np cap tin dyng (*)

2. Huy dpng von

1. Tong tai san

Chi tieu

PHAN II. KE HOACH KINH DOANH NAM 2018

Xuat phat ttr dinh hudmg didu hanh chinh sich tidn te n5m 2018 cua Ngan hang

Nha nude, Eximbank xay dyng ke hoach n5m 2018 dua tren ket qua hoat ddng n^m

2017 v^ tren ca sd danh gia nen tang ndi luc cung nhtr nhftng lgri the cua minh, tiep tyccung co va nang cao vj the tren thi tnrdng tai chinh trong nude va qudc ti, mpc tieu vtl

nhipm vy trpng tam cua toan ngan hang trong nSm 2018 nhu sau:

1. Mpt so chi tieu ke hoach boat dpng chu yeu n^m 2018

Trang 8/8

LE VAN QUYET

-Tdng cuorng cho vay khach hang cd nhan thong qua tpp trung cho vay tieu

dung, cho vay sdn xuat kinh doanh voi chinh sdch ldi suat cho vay linh hopt theo khau

vi rui ro;

-Thirc hipn dieu chinh co cau tin dung theo hucmg tdp trung vao cdc nganh,

ltnh vuc Vipt Nam co nhigu uu thg trong qua trinh hpi nhap, ddc bipt cdc ltnh v\rc kinh

doanh xuat nhap khau. Uu tien danh co cau tin dung uu dai hop ly cho cdc khach hang

ion, kinh doanh hi?u qua dl khai thdc cdc dich v^ ban cheo, khai thdc theo mo hinh

kenh phan phoi/cung cap dam bao hi^u qua tong the dau tu theo chubi khach hang.

2.3 Nang cao hi?u qua ho^t d^ng thong qua mt so gidi phdp:

-Su dyng chinh sdch ldi suat huy dong linh hoat; nang dan ty trpng huy dpng

von khong ky h^n doi vcri doanh nghiep nhdm toi uu hoa chi phi huy d6ng von binh

quan.

-Nang cao t6c dp tdng trudmg thu nhap thudn tu hoat dpng dich vp thong qua

day manh ho^t dpng cua nghipp v\i Bancassurance, ho^t dpng kieu h6i va thd; day

manh bdn cheo sdn pham khi cap tin dung nhdm tdng cudmg su dung dich vp.

-Dpa vao dinh hudmg chinh sdch tin dpng doi vdi hopt dpng xu^t nhap khau

d6 h6 trp tdng djch vp thanh todn qu6c t^, tir do tdng cuong hipu qua cua kinh doanh

ngopi t.

-Tpp trang xii ly np ton dpng nhdm dua dong tien quay ve hopt dpng kinh

doanh.

-Trong ndm 2018, Eximbank sg tpp trung ddu tu phdt triln mpt s6 dp dn cong

ngh? va tdi co cdu m6 hinh t6 chiic nhdm cung co va gia tdng nen tdng vflmg chdc, tpo

ti^n dh phdt tri^n nhanh trong nhGng ndm tiep theo.

Tran trpng. J^

TONG GIAM DOC