NamA_Annual2007

Baùo caùo thöôøng nieân 2007 1

BAÙO CAÙO THÖÔØNG NIEÂNAnnual Report

2007

Baùo caùo thöôøng nieân 20072

06. Thoâng ñieäp cuûa Chuû tòch HÑQT10. Giôùi thieäu Ngaân haøng Nam AÙ14. Nhöõng söï kieän noåi baät trong naêm 200718. Giôùi thieäu Ban laõnh ñaïo 24. Sô ñoà toå chöùc 30. Baùo caùo cuûa Toång giaùm ñoác32. Toång quan tình hình taøi chính 2007 42. Ñònh höôùng phaùt trieån naêm 200744. Baùo caùo taøi chính naêm 200770. Baùo caùo kieåm toaùn

74. Message from the Chairman78. Overview of Nam A Bank84. Highlighted events in 200786. The Board of Directors94. General Director’s Report96. Financial Overview 2007104. Development Orientations for 2007106. Financial Statement 2007132. Auditor's Report134. Branch Network 2007



“...Traûi qua 15 naêm xaây döïng vaø tröôûng thaønh, vöôït qua bieát bao khoù khaên ñeå phaùt trieån beàn vöõng nhö hoâm nay, moãi coå ñoâng, moãi caùn boä nhaân vieân Ngaân haøng Nam AÙ ñeàu mang trong loøng nieàm töï haøo veà Ñaïi gia ñình Ngaân haøng Nam AÙ. Trong giai ñoaïn môùi saép tôùi, chuùng ta seõ phaûi ñoái maët vôùi nhieàu khoù khaên, thöû thaùch. Vôùi taâm nieäm khoù khaên laø pheùp thöû cho loøng kieân ñònh vaø quyeát taâm phaùt trieån ñi leân, Ngaân haøng Nam AÙ seõ khoâng ngöøng noã löïc ñeå hoaøn thieän chính mình, xaây döïng loøng tin vöõng chaéc nôi khaùch haøng, cam keát toân troïng quyeàn lôïi cuûa khaùch haøng vaø gia taêng giaù trò cuûa caùc coå ñoâng...”




* Xaây döïng vaø phaùt trieån Ngaân haøng nhaèm gia taêng toái ña lôïi nhuaän, thoûa maõn ngaøy caøng toát hôn nhu caàu cuûa khaùch haøng nhaèm khoâng ngöøng naâng cao naêng löïc caïnh tranh cuûa Ngaân haøng. Töøng böôùc ñöa Ngaân haøng Nam AÙ trôû thaønh moät ngaân haøng ña naêng vôùi toác ñoä phaùt trieån nhanh, beàn vöõng...

* Tieáp tuïc boå sung voán ñieàu leä ñeán cuoái naêm 2008 ñaït 2.000 tyû ñoàng döôùi hình thöùc phaùt haønh coå phieáu môùi.

* Ñieàu chænh cô caáu toå chöùc phuø hôïp vôùi nhu caàu phaùt trieån naêm 2008.

* Tuyeån duïng, ñaøo taïo CBNV ñuû tieâu chuaån.

* Ñaåy maïnh hoaït ñoäng kinh doanh Ngaân haøng, taêng cöôøng huy ñoäng voán töø caùc thaønh phaàn kinh teá ñoàng thôøi phaùt trieån tín duïng an toaøn vaø hieäu quaû.

* Phaùt trieån saûn phaåm môùi, dòch vuï ngaân haøng hieän ñaïi vaø öùng duïng caùc dòch vuï ngaân haøng hieän ñaïi nhö Internet Banking, Home Banking, Mobile Banking.

* Döï kieán ñeán cuoái naêm 2008, Ngaân haøng Nam AÙ seõ phaùt trieån maïng löôùi hoaït ñoäng roäng khaép vôùi soá löôïng taêng theâm 7 Chi nhaùnh vaø 22 Phoøng giao dòch.

* Beân caïnh ñoù, taêng cöôøng caùc hoaït ñoäng ñaàu tö taøi chính, ñaàu tö thöông maïi thoâng qua vieäc ñaàu tö vaøo caùc doanh nghieäp, quyõ ñaàu tö, ñaàu tö döï aùn, ñaàu tö vaøo caùc TCTD khaùc döôùi hình thöùc goùp voán ñaàu tö, lieân doanh, lieân keát, mua, baùn chöùng khoaùn.

Thay maët HÑQT, toâi xin chaân thaønh caûm ôn Ngaân haøng Nhaø nöôùc caùc caáp, caùc boä ngaønh höõu quan ñaõ quan taâm, hoã trôï Ngaân haøng Nam AÙ trong thôøi gian vöøa qua. Cuøng vôùi söï tin töôûng, hôïp taùc chaët cheõ cuûa khaùch haøng, caùc ñoái taùc trong vaø ngoaøi nöôùc, cuõng nhö söï ñoùng goùp to lôùn cuûa toaøn theå caùn boä nhaân vieân ngaân haøng, trong thôøi gian tôùi, toâi tin töôûng Ngaân haøng Nam AÙ seõ hoaøn thaønh xuaát saéc muïc tieâu naêm 2008 maø Ñaïi hoäi ñoàng Coå ñoâng ñaõ ñeà ra.

Traân troïng,

OÂng Nguyeãn Quoác MyõChuû tòch Hoäi Ñoàng Quaûn Trò

Kính thöa Quyù vò,

Sau khi chính thöùc gia nhaäp vaøo Toå chöùc Thöông maïi Theá giôùi (WTO), Vieät Nam tieáp tuïc ñöôïc baàu choïn laø moät trong hai thaønh vieân khoâng thöôøng tröïc cuûa Hoäi ñoàng Baûo an Lieân hieäp quoác khu vöïc Chaâu AÙ nhieäm kyø 2008 - 2009. Trong naêm qua, neàn kinh teá nöôùc ta ñaït möùc taêng tröôûng cao vaø oån ñònh (8,48%), nguoàn voán ñaàu tö tröïc tieáp nöôùc ngoaøi taêng kyû luïc (20,3 tyû USD) vöôït xa keá hoaïch Beân caïnh nhöõng thaønh töïu ñaõ ñaït ñöôïc, trong naêm 2007, Vieät Nam vaãn coøn phaûi ñoái maët vôùi tình traïng giaù tieâu duøng taêng ñoät bieán, tình traïng nhaäp sieâu cao vaø chaát löôïng cuoäc soáng cuûa moät boä phaän daân cö chöa ñöôïc naâng leân töông öùng vôùi söï taêng tröôûng kinh teá.

Trong boái caûnh kinh teá soâi ñoäng ñoù, naêm 2007 Ngaân haøng Nam AÙ cuõng ñaït ñöôïc nhieàu thaønh töïu ñaùng khích leä, cuï theå:

* Voán ñieàu leä ñaït 575.925 trieäu ñoàng, taêng 4,71% so vôùi naêm 2006.

* Heä thoáng maïng löôùi ñöôïc môû roäng theâm 01 Chi nhaùnh vaø 13 Phoøng giao dòch, naâng toång soá ñieåm giao dòch cuûa ngaân haøng leân 45 ñieåm giao dòch.

* Veà keát quaû hoaït ñoäng kinh doanh, toång taøi saûn ngaân haøng taêng hôn 35%, toång huy ñoäng taêng 42%, toång dö nôï cho vay taêng 32%, lôïi nhuaän sau thueá taêng hôn 92% so vôùi naêm 2006.

Traûi qua 15 naêm xaây döïng vaø tröôûng thaønh, vöôït qua bieát bao khoù khaên ñeå phaùt trieån beàn vöõng nhö hoâm nay, moãi coå ñoâng, moãi caùn boä nhaân vieân Ngaân haøng Nam AÙ ñeàu mang trong loøng nieàm töï haøo veà Ñaïi gia ñình Ngaân haøng Nam AÙ. Trong giai ñoaïn môùi saép tôùi, chuùng ta seõ phaûi ñoái maët vôùi nhieàu khoù khaên vaø thöû thaùch. Vôùi taâm nieäm khoù khaên laø pheùp thöû cho loøng kieân ñònh vaø quyeát taâm phaùt trieån ñi leân, Ngaân haøng Nam AÙ seõ khoâng ngöøng noã löïc ñeå hoaøn thieän chính mình, xaây döïng loøng tin vöõng chaéc nôi khaùch haøng, cam keát toân troïng quyeàn lôïi cuûa khaùch haøng vaø gia taêng giaù trò cuûa caùc coå ñoâng. Trong naêm 2008, Ngaân haøng Nam AÙ seõ phaán ñaáu hoaøn thaønh caùc ñònh höôùng hoaït ñoäng nhö sau:

Thoâng ñieäp cuûa Chuû Tòch HÑQT


tyû ñoàng

Voán ñieàu leä ñaït 575


tyû ñoàng


Ngaân haøng TMCP Nam AÙ chính thöùc hoaït ñoäng töø ngaøy 21/10/1992 theo Quyeát ñònh soá 0026/NHGP ngaøy 22/08/1992 cuûa Ngaân haøng Nhaø nöôùc Vieät Nam treân cô sôû hôïp nhaát cuûa 3 Hôïp taùc xaõ tín duïng An Ñoâng, Thò Ngheø vaø Taân Ñònh. Khôûi ñaàu chæ vôùi soá voán ñieàu leä 5 tyû ñoàng cuøng 50 caùn boä coâng nhaân vieân, maïng löôùi ban ñaàu hoaït ñoäng chuû yeáu ôû caùc quaän ven, phaïm vi kinh doanh ñôn ñieäu.

Sau 15 naêm hoaït ñoäng, Ngaân haøng Nam AÙ ñaõ coù nhöõng thay ñoåi raát lôùn vaø ñaõ coù nhöõng thaønh tích ñaùng khích leä. Trong voøng 5 naêm trôû laïi ñaây, toác ñoä taêng tröôûng cuûa Ngaân haøng Nam AÙ luoân ñaït möùc cao, cuï theå laø lôïi nhuaän sau thueá naêm 2007 taêng 92,07% so vôùi naêm 2006. Phaân phoái coå töùc naêm 2007 ñaït 10,15%. Maïng löôùi chi nhaùnh phaùt trieån roäng khaép, ñeán nay Ngaân haøng Nam AÙ ñaõ coù 45 ñòa ñieåm giao dòch treân toaøn quoác. Voán ñieàu leä taêng gaáp 115 laàn, cuï theå laø töø 5 tyû ñoàng ban ñaàu ñeán 31/12/2007 ñaõ ñaït möùc 575 tyû ñoàng, soá löôïng caùn boä nhaân vieân taêng gaáp 16 laàn so vôùi naêm 1992.

Ngaân haøng Nam AÙ hoaït ñoäng kinh doanh chuû yeáu trong caùc lónh vöïc: Huy ñoäng vaø cho vay voán ngaén, trung vaø daøi haïn. Chieát khaáu thöông phieáu, giaáy tôø coù giaù. Ñaàu tö vaøo chöùng khoaùn vaø caùc toå chöùc kinh teá. Laøm ñaàu moái trung gian thanh toaùn giöõa caùc khaùch haøng, thöïc hieän dòch vuï ngaân quyõ, chuyeån tieàn kieàu hoái vaø chuyeån tieàn nhanh noäi ñòa, baûo laõnh thanh toaùn, kinh doanh ngoaïi teä, vaøng baïc...

Tính ñeán cuoái naêm 2007, maïng löôùi hoaït ñoäng bao goàm 45 ñieåm giao dòch goàm 1 Hoäi sôû, 15 Chi nhaùnh, 29 Phoøng giao dòch taïi caùc vuøng kinh teá troïng ñieåm, 01 Coâng ty Quaûn lyù nôï vaø khai thaùc taøi saûn tröïc thuoäc Ngaân haøng Nam AÙ.

Saûn phaåm dòch vuï cuûa Ngaân haøng Nam AÙ töông ñoái ña daïng vaø khoâng ngöøng ñöôïc caûi tieán veà chaát löôïng, höôùng ñeán laø moät Ngaân haøng ñieän töû ña naêng vôùi caùc saûn phaåm dòch vuï hieän ñaïi nhö:

a. Saûn phaåm tieàn göûi goàm:· Tieàn göûi thanh toaùn.· Tieàn göûi tieát kieäm.

b. Saûn phaåm tín duïng goàm:· Cho vay boå sung voán löu ñoäng.· Cho vay thöïc hieän döï aùn ñaàu tö.· Cho vay hôïp voán.· Cho vay theo haïn möùc thaáu chi.· Cho vay taøi trôï xuaát, nhaäp khaåu.· Cho vay tieâu duøng.· Cho vay caàm coá, chieát khaáu soå tieát kieäm, chöùng töø coù giaù.· Cho vay du hoïc.· Cho vay hôïp taùc lao ñoäng.· Cho vay trong khuoân khoå “Döï AÙn Taøi Chính Noâng Thoân 2” (RDF II)

c. Dòch vuï baûo laõnh goàm:· Baûo laõnh vay voán.· Baûo laõnh thanh toaùn.· Baûo laõnh döï thaàu.· Baûo laõnh thöïc hieän hôïp ñoàng. · Baûo laõnh baûo ñaûm chaát löôïng saûn phaåm.· Baûo laõnh hoaøn traû tieàn öùng tröôùc.· Baûo laõnh ñoái öùng.· Xaùc nhaän baûo laõnh.· Caùc loaïi baûo laõnh khaùc phaùp luaät khoâng caám vaø phuø hôïp vôùi thoâng leä quoác teá.

Quaù trình hình thaønh

vaø phaùt trieån

Hoaït ñoäng kinh doanh chính thöùc

Thò tröôøng hoaït ñoäng

d. Dòch vuï chuyeån tieàn: · Chuyeån tieàn trong nöôùc.· Chuyeån tieàn nöôùc ngoaøi.· Dòch vuï nhaän tieàn.· Dòch vuï nhaän tieàn nhanh Western Union.

e. Dòch vuï thanh toaùn quoác teá :· Thöïc hieän môû, tu chænh, thanh toaùn, thoâng baùo tín duïng thö.· Nhaän, gôûi, thanh toaùn theo phöông thöùc nhôø thu (DP, DA).

f. Dòch vuï kinh doanh ngoaïi teä: · Giao dòch giao ngay (spot).· Giao dòch coù kyø haïn (forward).

g. Dòch vuï Ngaân quyõ :· Chi hoä löông.· Caát giöõ hoä chöùng töø coù giaù, tieàn, kim loaïi.· Kieåm vaø ñeám hoä VND, USD, vaøng.· Thu chi tieàn maët taïi nôi khaùch haøng yeâu caàu.· Vaän chuyeån tieàn theo yeâu caàu cuûa khaùch haøng trong

ñòa baøn TP. Hoà Chí Minh.

h. Caùc dòch vuï khaùc:· Xaùc nhaän soá dö. · Thanh toaùn theû quoác teá (Master Card, Visa Card).· Tieáp nhaän caùc DN laøm ñaïi lyù thu ñoåi ngoaïi teä cho

Ngaân haøng Nam AÙ.


Beân caïnh caùc hoaït ñoäng kinh doanh truyeàn thoáng, Ngaân haøng Nam AÙ ñaõ tieán haønh hoaït ñoäng ñaàu tö taøi chính, ñaàu tö thöông maïi thoâng qua vieäc ñaàu tö vaøo caùc doanh nghieäp, quyõ ñaàu tö, ñaàu tö döï aùn, ñaàu tö vaøo caùc TCTD khaùc döôùi hình thöùc goùp voán ñaàu tö, lieân doanh, lieân keát, mua baùn chöùng khoaùn.

Nhöõng naêm gaàn ñaây, Ngaân haøng Nam AÙ ñöôïc bieát ñeán nhö laø moät trong nhöõng Ngaân haøng thöông maïi coå phaàn phaùt trieån oån ñònh vaø beàn vöõng, ñöôïc Ngaân haøng Nhaø nöôùc ñaùnh giaù xeáp loaïi A trong nhieàu naêm lieàn.

Naêm 2007, Ngaân haøng coøn nhaän ñöôïc giaáy chöùng nhaän “Nhaõn hieäu noåi tieáng Quoác gia” do Hoäi sôû höõu Trí tueä Vieät Nam trao taëng, laø “Moät trong 500 doanh nghieäp lôùn nhaát Vieät Nam” do baûng xeáp haïng Top 500 doanh nghieäp lôùn nhaát Vieät Nam (VNR500) coâng boá, ñaït danh hieäu “Thöông hieäu vaøng” do Hieäp hoäi choáng haøng giaû vaø baûo veä thöông hieäu Vieät Nam trao taëng, danh hieäu “Top Trade Services” do Boä Coâng Thöông trao taëng. Ngaân haøng Nam AÙ coøn vinh döï ñoùn nhaän baèng khen cuûa Thuû Töôùng Chính phuû, baèng khen cuûa UBND TP. HCM nhaân dòp kyû nieäm 15 naêm thaønh laäp.

Vôùi nhaän thöùc raèng moät trong nhöõng lyù do chuû choát taïo neân thaønh coâng cho moät Ngaân haøng chính laø nieàm tin yeâu cuûa khaùch haøng, Ngaân haøng Nam AÙ ñaõ noã löïc phaán ñaáu, khoâng ngöøng nghieân cöùu vaø thöïc hieän nhieàu chính saùch ñoåi môùi veà nhaân söï, hieän ñaïi hoùa coâng ngheä thoâng tin, cuûng coá vaø môû roäng maïng löôùi hoaït ñoäng, lieân doanh - lieân keát vôùi caùc ñoái taùc nöôùc ngoaøi, ña daïng hoùa vaø naâng cao chaát löôïng dòch vuï. Thöïc hieän nhöõng ñieàu naøy, Ngaân haøng Nam AÙ mong muoán mang laïi lôïi ích cao nhaát cho khaùch haøng söû duïng caùc saûn phaåm - dòch vuï taøi chính do Ngaân haøng cung caáp. Söï tín nhieäm cuûa khaùch haøng theå hieän roõ qua keát quaû huy ñoäng vaø cho vay taêng tröôûng qua caùc naêm, cuï theå laø naêm 2007 huy ñoäng töø thò tröôøng 1 taêng 48,39% , dö nôï cho vay taêng 31,8% so vôùi naêm 2006.

Khoâng chæ nhaän ñöôïc söï tin yeâu cuûa khaùch haøng maø ñoái vôùi caùc Ngaân haøng baïn, Ngaân haøng Nam AÙ ñaõ taïo döïng ñöôïc söï tin caäy vaø toác ñoä gia taêng nguoàn voán huy ñoäng töø thò tröôøng lieân ngaân haøng naêm 2007 (taêng 32,4% so vôùi naêm 2006).

Veà quan heä quoác teá, Ngaân haøng Nam AÙ luoân thöïc hieän ñaày ñuû caùc cam keát. Vì vaäy, Ngaân haøng Nam AÙ ñaõ laø moät thöông hieäu quen thuoäc, uy tín treân thò tröôøng quoác teá vaø laø ñôn vò ñaïi dieän thanh toaùn tin caäy cho caùc DN Vieät Nam. Ñieàu naøy theå hieän qua soá lieäu veà doanh soá thanh toaùn quoác teá luoân taêng qua caùc naêm, cuï theå naêm 2007 doanh soá xuaát nhaäp khaåu ñaït 67,61 trieäu USD, taêng 73,64% so vôùi naêm 2006.

Cuøng vôùi söï phaùt trieån chung cuûa neàn kinh teá, Ngaân haøng Nam AÙ ñang noã löïc xaây döïng vaø thöïc hieän nhöõng chieán löôïc, chieán thuaät nhaèm taïo ra nhöõng böôùc ñoät phaù, khaúng ñònh vò theá cuûa mình treân thò tröôøng trong nöôùc vaø quoác teá.

· Vôùi naêng löïc taøi chính thuoäc loaïi baäc trung trong nhoùm caùc Ngaân haøng thöông maïi coå phaàn ñoâ thò, cho pheùp Ngaân haøng Nam AÙ giöõ vöõng vaø naâng cao heä soá an toaøn voán, taêng khaû naêng ñaùp öùng nhu caàu voán cuûa khaùch haøng; ñoàng thôøi taïo ñieàu kieän thuaän lôïi cho Ngaân haøng Nam AÙ trong vieäc ñaàu tö phaùt trieån heä thoáng coâng ngheä thoâng tin vaø maïng löôùi hoaït ñoäng.

· Veà maïng löôùi hoaït ñoäng, Ngaân haøng Nam AÙ coù maïng löôùi hoaït ñoäng ôû nhieàu ñòa ñieåm trong thaønh phoá HCM cuõng nhö caùc ñòa phöông khaùc treân toaøn quoác. Ñieàu naøy taïo ñieàu kieän thuaän lôïi cho Ngaân haøng Nam AÙ trong vieäc môû roäng vaø phaùt trieån thò tröôøng, tieáp caän khaùch haøng môùi.

· Veà hieäu quaû hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ hoaït ñoäng khaù toát vaø ñöôïc caûi thieän lieân tuïc. Caùc nhoùm veà chæ tieâu kinh doanh, khaû naêng thanh toaùn ñeàu ôû treân möùc trung bình vaø coù xu höôùng phaùt trieån tích cöïc.

· Veà quaûn trò ñieàu haønh, heä thoáng quaûn trò ñieàu haønh vaø boä maùy kieåm soaùt ñöôïc caûi tieán lieân tuïc phuø hôïp vôùi caùc quy ñònh, chính saùch, chuaån möïc cuûa ngaønh ngaân haøng vaø caùc chuaån möïc quoác teá. Beân caïnh ñoù, cô caáu toå chöùc cuûa Ngaân haøng Nam AÙ cuõng ñöôïc caûi tieán ñeå ñaùp öùng yeâu caàu phaùt trieån, taêng khaû naêng caïnh tranh vaø hoäi nhaäp quoác teá.

· Veà nguoàn nhaân löïc, ñoäi nguõ laõnh ñaïo cuûa Ngaân haøng Nam AÙ laø nhöõng ngöôøi coù kinh nghieäm laâu naêm trong ngaønh taøi chính - ngaân haøng vaø trong quaûn lyù ñieàu haønh. Theâm vaøo ñoù, ngaân haøng coøn coù ñoäi nguõ nhaân söï treû, ña soá toát nghieäp ñaïi hoïc, giaøu nhieät huyeát, coù thaùi ñoä phuïc vuï khaùch haøng taän taâm, chuyeân nghieäp.

· Veà coâng ngheä thoâng tin, nhaän thöùc ñöôïc vai troø cuûa coâng ngheä thoâng tin trong hoaït ñoäng ngaân haøng, Ngaân haøng Nam AÙ ñang ñaàu tö xaây döïng heä thoáng Corebanking, ñaùp öùng yeâu caàu xöû lyù thoâng tin, naâng cao chaát löôïng quaûn lyù vaø laø tieàn ñeà cho vieäc öùng duïng, môû roäng caùc dòch vuï ngaân haøng ñieän töû vaø caùc dòch vuï ngaân haøng hieän ñaïi khaùc.

Lónh vöïc hoaït ñoäng khaùc

Vò theá cuûa Ngaân haøng Nam AÙ


Trong xu höôùng hoäi nhaäp neàn kinh teá theá giôùi hieän nay, cuøng vôùi vieäc naém baét caùc cô hoäi trong thu huùt voán ñaàu tö, chuyeån giao coâng ngheä, thì maët khaùc ngaønh ngaân haøng cuõng ñang ñöùng tröôùc nhöõng thaùch thöùc to lôùn khi caùc ngaân haøng nöôùc ngoaøi ngaøy caøng môû roäng hoaït ñoäng taïi thò tröôøng Vieät Nam.

Trong boái caûnh ñoù, Ngaân haøng Nam AÙ ñaõ xaây döïng moät chieán löôïc phaùt trieån daøi haïn nhaèm cuûng coá vò theá treân thò tröôøng ngaân haøng, khoâng ngöøng naâng cao khaû naêng caïnh tranh thoâng qua vieäc môû roäng caùc hoaït ñoäng kinh doanh; ñoàng thôøi phaùt trieån heä thoáng dòch vuï ngaân haøng ña daïng, ña tieän ích, ñöôïc ñònh höôùng theo nhu caàu cuûa neàn kinh teá, treân cô sôû tieáp tuïc naâng cao chaát löôïng vaø hieäu quaû cuûa caùc dòch vuï ngaân haøng truyeàn thoáng. Maët khaùc, ngaân haøng nhanh choùng tieáp caän vaø phaùt trieån caùc loaïi hình dòch vuï môùi vôùi haøm löôïng coâng ngheä cao.Muïc tieâu toång quaùt cuûa Ngaân haøng Nam AÙ laø ñeán naêm 2020 seõ trôû thaønh moät trong nhöõng ngaân haøng baùn leû ña naêng, hieän ñaïi, coù chaát löôïng phuïc vuï ngang taàm vôùi caùc Ngaân haøng lôùn trong khu vöïc Ñoâng Nam AÙ.

Phöông chaâm hoaït ñoäng cuûa Ngaân haøng Nam AÙ laø ñaûm baûo hoaït ñoäng cuûa ngaân haøng coù nhòp ñoä phaùt trieån nhanh vaø beàn vöõng, hoaït ñoäng theo nguyeân taéc thò tröôøng vôùi muïc tieâu chuû yeáu laø lôïi nhuaän, aùp duïng caùc thoâng leä vaø chuaån möïc quoác teá vaøo hoaït ñoäng kinh doanh cuûa ngaân haøng.

Ngaân haøng Nam AÙ phaán ñaáu ñeán naêm 2020 baûo ñaûm caùc chæ tieâu hoaït ñoäng bao goàm voán ñieàu leä, toång taøi saûn, soá dö huy ñoäng voán, dö nôï cho vay, lôïi nhuaän tröôùc thueá ñaït toác ñoä taêng tröôûng cao.

· Taêng cöôøng naêng löïc quaûn lyù thoâng qua cô caáu laïi toå chöùc vaø hoaït ñoäng, phaân bieät roõ raøng chöùc naêng, nhieäm vuï vaø quyeàn haïn cuûa Hoäi ñoàng quaûn trò vaø Ban ñieàu haønh, môû roäng quy moâ hoaït ñoäng ñi ñoâi vôùi taêng cöôøng naêng löïc töï kieåm tra, quaûn lyù ruûi ro, baûo ñaûm an toaøn vaø hieäu quaû trong kinh doanh, phaùt trieån heä thoáng quaûn lyù cuûa Ngaân haøng phuø hôïp vôùi caùc thoâng leä, chuaån möïc quoác teá vaø thöïc tieãn hoaït ñoäng cuûa Ngaân haøng Nam AÙ.

· Taêng cöôøng naêng löïc taøi chính thoâng qua vieäc tieáp tuïc taêng voán ñieàu leä, taøi saûn, ñi ñoâi vôùi naâng cao chaát löôïng hoaït ñoäng vaø khaû naêng sinh lôøi, phoøng ngöøa vaø haïn cheá moïi ruûi ro trong kinh doanh.

· Tìm kieám caùc ñoái taùc chieán löôïc thoâng qua vieäc cho pheùp caùc nhaø ñaàu tö nöôùc ngoaøi, nhaát laø caùc ngaân haøng coù tieàm löïc veà taøi chính, coâng ngheä, quaûn lyù vaø uy tín, ñöôïc mua coå phieáu vaø tham gia quaûn trò, ñieàu haønh Ngaân haøng.

· Môû roäng maïng löôùi hoaït ñoäng taïi caùc khu vöïc kinh teá troïng ñieåm trong caû nöôùc theo keá hoaïch hoaït ñoäng haøng naêm.

· Tieáp tuïc xaây döïng quy cheá quaûn lyù noäi boä, hoaøn chænh caùc quy trình nghieäp vuï nhaèm ñaûm baûo hoaït ñoäng kinh doanh thoáng nhaát vaø hieäu quaû.

· Thu huùt, ñaøo taïo vaø phaùt trieån nguoàn nhaân löïc, naâng cao chaát löôïng tuyeån duïng, boá trí, ñaøo taïo ñoäi nguõ CBNV, ñaùp öùng nhu caàu phaùt trieån vaø môû roäng quy moâ, maïng löôùi hoaït ñoäng cuûa Ngaân haøng Nam AÙ trong töøng giai ñoaïn.

· Thöïc hieän nghieâm tuùc caùc tyû leä baûo ñaûm an toaøn trong hoaït ñoäng ngaân haøng, ñaëc bieät laø duy trì möùc voán töï coù phuø hôïp vôùi quy moâ taøi saûn coù treân cô sôû thöïc hieän tyû leä an toaøn voán toái thieåu 8% theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc.

· Ña daïng hoùa caùc saûn phaåm dòch vuï ngaân haøng, phaán ñaáu naâng daàn tyû troïng thu nhaäp ngoaøi cho vay chieám töø 40% treân toång thu nhaäp cuûa Ngaân haøng Nam AÙ.

Muïc tieâu hoaït ñoäng cuûa Ngaân haøng Nam AÙ: Xaây döïng vaø phaùt trieån Ngaân haøng Nam AÙ thaønh moät ngaân haøng ña naêng, ña lónh vöïc, hoaït ñoäng theo thoâng leä quoác teá. Vôùi muïc tieâu toái ña hoùa lôïi nhuaän, ñaûm baûo söï phaùt trieån nhanh vaø beàn vöõng, Ngaân haøng Nam AÙ khoâng ngöøng naâng cao chaát löôïng saûn phaåm dòch vuï, thoûa maõn ngaøy caøng toát hôn nhu caàu cuûa khaùch haøng, phaùt trieån ñoäi nguõ nhaân vieân coù trình ñoä cao nhaèm khoâng ngöøng naâng cao naêng löïc caïnh tranh cuûa Ngaân haøng.Caùc chæ tieâu hoaït ñoäng cô baûn giai ñoaïn töø 2008 – 2012:

· Veà voán ñieàu leä: Tieáp tuïc phaùt haønh moät löôïng coå phieáu nhaát ñònh ñeå taêng voán ñieàu leä cuõng nhö taêng cöôøng naêng löïc taøi chính, ñaûm baûo muïc tieâu phaùt trieån beàn vöõng cuûa ngaân haøng. Döï kieán toác ñoä taêng tröôûng voán ñieàu leä seõ taêng töø 20 – 25% moãi naêm, phuø hôïp vôùi toác ñoä phaùt trieån cuûa ngaønh ngaân haøng, ñaûm baûo nguoàn voán töï coù ñeå ñaàu tö phaùt trieån haï taàng kyõ thuaät vaø caùc hoaït ñoäng kinh doanh cuûa Ngaân haøng.

Chieán löôïc phaùt trieån daøi haïn

Nhöõng muïc tieâu cuï theå vaø caùc chöông trình

troïng yeáu cuûa Ngaân haøng Nam AÙ

ñeán 2020

Keá hoaïch hoaït ñoäng cuûa Ngaân haøng Nam AÙ töø

nay ñeán 2012

· Veà toång taøi saûn: Döï kieán toác ñoä taêng tröôûng bình quaân toång taøi saûn töø nay ñeán 2012 trung bình ñaït 80%/naêm.

· Veà hoaït ñoäng huy ñoäng voán: Döï kieán toác ñoä taêng tröôûng bình quaân voán huy ñoäng töø nay ñeán 2012 trung bình ñaït 70%/naêm.

· Veà hoaït ñoäng tín duïng: Toång dö nôï cho vay töø nay ñeán naêm 2012 döï kieán seõ ñaït toác ñoä taêng tröôûng bình quaân khoaûng 60%/naêm.

· Veà lôïi nhuaän vaø caùc chæ tieâu taøi chính: Lôïi nhuaän tröôùc thueá döï kieán taêng bình quaân moãi naêm 50 - 60% so vôùi naêm tröôùc. Tyû suaát lôïi nhuaän/toång taøi saûn (ROA) vaøo naêm 2012 döï kieán seõ ñaït 1,7 - 1,8%/naêm.

Caùc bieän phaùp thöïc hieän:

· Ñieàu chænh cô caáu toå chöùc phuø hôïp vôùi chieán löôïc phaùt trieån trong töøng thôøi kyø, trong ñoù caàn chuyeân bieät hoùa caùc chöùc naêng, taùch chöùc naêng quaûn lyù ruûi ro ra khoûi chöùc naêng kinh doanh.

· Ñieàu ñoäng, tuyeån duïng, ñaøo taïo caùn boä nhaân vieân ñuû tieâu chuaån boá trí vaøo caùc vò trí thích hôïp töø caùn boä ñieàu haønh caùc caáp ñeán nhaân vieân nghieäp vuï, ñuû söùc thöïc hieän nhieäm vuï ñeà ra theo keá hoaïch töøng naêm.

· Ñaåy maïnh caùc hoaït ñoäng kinh doanh ngaân haøng, taêng cöôøng huy ñoäng voán töø caùc thaønh phaàn kinh teá ñoàng thôøi phaùt trieån cho vay, trong ñoù chuù troïng cho vay caùc döï aùn kinh teá coù tính khaû thi cao, cho vay caùc doanh nghieäp vöøa vaø nhoû ñeå phuïc vuï phaùt trieån kinh teá, cho vay caùc ñoái töôïng saûn xuaát noâng nghieäp töø nguoàn voán RDF II, cho vay tieâu duøng vaø caùc ñoái töôïng khaùc. Taäp trung nghieân cöùu, ñöa ra caùc saûn phaåm tín duïng môùi haáp daãn, thu huùt khaùch haøng.

· Ñaàu tö, nghieân cöùu, trieån khai caùc dòch vuï ngaân haøng ngaøy caøng ña daïng, naâng cao tyû leä thu dòch vuï chieám treân 5% toång thu nhaäp cuûa Ngaân haøng. Ñaëc bieät laø khoâng ngöøng naâng cao chaát löôïng phuïc vuï vaø chaát löôïng dòch vuï cho khaùch haøng.

· Taäp trung ñaàu tö, phaùt trieån caùc lónh vöïc kinh doanh môùi nhö kinh doanh theû, kinh doanh chöùng khoaùn, ñaàu tö taøi chính vaø moät soá hoaït ñoäng kinh doanh khaùc ñeå gia taêng lôïi nhuaän cho ngaân haøng.

· Phaùt trieån maïng löôùi hoaït ñoäng roäng khaép, ñeán cuoái naêm 2012, naâng toång soá ñieåm giao dòch leân 150 ñieåm .

· Ñaàu tö cô sôû vaät chaát ñaûm baûo phuïc vuï ngaøy caøng toát hôn caùc hoaït ñoäng ngaân haøng nhö: ñaàu tö xaây döïng Hoäi sôû môùi taïi 201-203 CMT8, Quaän 3, TP. HCM; ñaàu tö, mua saém, xaây döïng, söûa chöõa caùc truï sôû Chi nhaùnh taïi Haø Noäi, Haûi Phoøng, Quy Nhôn, Nha Trang, Caàn Thô,...

· Tích cöïc ñaàu tö coâng ngheä thoâng tin ñeå taïo ñieàu kieän phaùt trieån caùc dòch vuï ngaân haøng phuø hôïp vôùi xu höôùng phaùt trieån cuûa ngaønh, hoäi nhaäp vôùi khu vöïc vaø quoác teá.

· Ñaåy maïnh phaùt trieån thöông hieäu, xaây döïng chieán löôïc vaø toå chöùc thöïc hieän chieán löôïc Marketing Ngaân haøng Nam AÙ phuø hôïp vôùi keá hoaïch hoaït ñoäng trong moãi naêm, nhaèm ñaït lôïi nhuaän toái ña töø moïi hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ.

· Ñaëc bieät, chuù troïng ñeán coâng taùc kieåm toaùn noäi boä, thoâng qua ñoù kieåm tra raø soaùt tính hieäu löïc, hieäu quaû cuûa heä thoáng kieåm tra kieåm soaùt noäi boä ñeå luoân chuû ñoäng haïn cheá moïi ruûi ro trong hoaït ñoäng kinh doanh, nhaèm ñöa Ngaân haøng Nam AÙ ngaøy caøng phaùt trieån beàn vöõng, an toaøn vaø hieäu quaû.



Nhöõng söï kieän noåi baät naêm 2007

Heä thoáng maïng löôùi phaùt trieån roäng khaép, cuï theå ngaân haøng ñaõ phaùt trieån theâm 14 Chi nhaùnh/Phoøng giao dòch môùi, naâng toång soá ñòa ñieåm giao dòch cuûa Ngaân haøng Nam AÙ leân 45 ñôn vò treân caû nöôùc.

Voán ñieàu leä ñaït 575 tyû ñoàng, taêng gaáp 110 laàn so vôùi thôøi ñieåm thaønh laäp, lôïi nhuaän tröôùc thueá ñaït 107 tyû ñoàng, taêng gaáp 2 laàn so vôùi naêm 2006.

Thu huùt, ñaøo taïo vaø phaùt trieån nguoàn nhaân löïc laø yeáu toá ñöôïc ban laõnh ñaïo Ngaân haøng Nam AÙ quan taâm haøng ñaàu nhaèm ñaùp öùng nhöõng yeâu caàu ngaøy caøng cao cuûa moät moâi tröôøng kinh doanh hieän ñaïi. Soá löôïng CBNV ngaân haøng ñaõ taêng leân ñaùng keå, töø 50 ngöôøi keå töø khi thaønh laäp leân ñeán 798 ngöôøi ñeán cuoái 2007.

* Thaùng 1/2007, Coâng ty quaûn lyù nôï vaø khai thaùc taøi saûn cuûa Nam A Bank (AMC) chính thöùc hoaït ñoäng.

* Ngaøy 5/7/2007, Ngaân haøng Nam AÙ ñaõ kyù keát thoûa thuaän hôïp taùc ñoàng haønh vôùi Ngaân haøng ñaàu tö vaø phaùt trieån Vieät nam (BIDV).

* Ngaøy 10/7/2007, Ngaân haøng Nam AÙ toå chöùc thaønh coâng Ñaïi Hoäi Ñoàng Coå Ñoâng nhieäm kyø V (2007 – 2011).

* Ngaøy 22/8/2007 Ngaân haøng Nam AÙ ñaõ kyù keát vôùi Ngaân haøng Phöông Nam thaønh laäp coâng ty Baûo hieåm Phöông Nam.

* Ngaøy 18/10/2007, trong buoåi leã kyû nieäm 15 naêm thaønh laäp ngaân haøng (21/10/1992 – 21/10/2007) ñöôïc toå chöùc taïi Nhaø haùt Lôùn Thaønh Phoá, OÂng Huyønh Thaønh Chung - Chuû tòch

Naêm 2007 ñöôïc xem laø coät moác quan troïng ñaùnh daáu 15 naêm xaây döïng vaø phaùt trieån cuûa Ngaân haøng Nam AÙ. Ñaây cuõng laø naêm ngaân haøng tieáp tuïc naâng cao naêng löïc taøi chính ñeå môû roäng quy moâ hoaït ñoäng, ñaàu tö vaøo coâng ngheä vaø nguoàn nhaân löïc.

HÑQT Ngaân haøng TMCP Nam AÙ (Nam A Bank) ñaõ coâng boá: Ngaân haøng Nam AÙ ñaõ ñöôïc Ngaân haøng Nhaø nöôùc chaáp thuaän taêng voán ñieàu leä leân 1.350 tyû ñoàng trong naêm 2007 naøy vaø keá hoaïch phaùt trieån trong 5 naêm tôùi ñeán naêm 2012 seõ coù caùc chæ tieâu chuû yeáu taêng leân nhö sau: voán töï coù taêng gaáp 5 laàn, toång taøi saûn vaø lôïi nhuaän taêng hôn 10 laàn, toång huy ñoäng tieàn göûi taêng hôn 12 laàn, toång dö nôï taêng hôn 8 laàn so vôùi naêm 2007

Thöông hieäu Ngaân haøng Nam AÙ ñaõ ñöôïc ngöôøi tieâu duøng, caùc cô quan chöùc naêng coâng nhaän thoâng qua caùc giaûi thöôûng coù giaù trò nhö:

* “Top Trade Services” do Boä Coâng Thöông trao taëng thaùng 12/2007,

* “Thöông hieäu vaøng” do Boä Coâng Thöông vaø Hieäp hoäi choáng haøng giaû & Baûo veä thöông hieäu Vieät Nam (VATAP) trao taëng thaùng 11/2007.

* Ngaân haøng coøn nhaän ñöôïc giaáy chöùng nhaän “Nhaõn hieäu noåi tieáng Quoác gia” do Hoäi sôû höõu Trí tueä Vieät Nam trao taëng.

* Ñaït danh hieäu laø “Moät trong 500 doanh nghieäp lôùn nhaát Vieät Nam” do baûng xeáp haïng Top 500 doanh nghieäp lôùn nhaát Vieät Nam (VNR500) coâng boá.

* Nhaân dòp kyû nieäm 15 naêm thaønh laäp, Ngaân haøng Nam AÙ coøn vinh döï ñoùn nhaän Baèng khen cuûa Thuû Töôùng Chính Phuû, Baèng khen cuûa UBND TP. HCM vaø thö chuùc möøng cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc Vieät Nam.


Cô hoäi laãn thaùch thöùc vaãn coøn ôû phía tröôùc, song vôùi kinh nghieäm

vaø noäi löïc ñaõ tích luõy ñöôïc qua moät quaù trình phaán ñaáu laâu daøi, chaéc chaén Ngaân haøng Nam AÙ seõ ñaït

ñöôïc nhöõng thaønh coâng môùi.



Lôïi nhuaän tröôùc thueá ñaït

107tyû ñoàng



2 OÂng Huyønh Thaønh Chung UÛy vieân Member

1 OÂng Nguyeãn Quoác Myõ Chuû tòch Hoäi ñoàng quaûn trò Chairman

4 OÂng Phan Ñình Taân UÛy vieân Member

3 Baø Nguyeãn Thò Xuaân Loan UÛy vieân Member

Chuùng toâi tin töôûng truyeàn thoáng ñoaøn keát,

phaùt trieån oån ñònh vaø beàn vöõng trong nhieàu naêm qua.

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Ban laõnh ñaïo Ngaân Haøng Nam AÙ

OÂng Nguyeãn Quoác Myõ Chuû tòch Hoäi ñoàng quaûn trò

OÂng Phan Ñình TaânUÛy vieân Hoäi ñoàng quaûn trò

OÂng Huyønh Thaønh ChungUÛy vieân Hoäi ñoàng quaûn trò

Baø Nguyeãn Thò Xuaân LoanUÛy vieân Hoäi ñoàng quaûn trò

HOÄI ÑOÀNG QUAÛN TRÒ

Trình ñoä chuyeân moân: Cöû nhaân Kinh teáQuaù trình coâng taùc: Tröôùc khi ñaàu tö vaøo Ngaân haøng Nam AÙ, OÂng Nguyeãn Quoác Myõ töøng ñaûm nhieäm caùc vò trí Giaùm ñoác ñieàu haønh taïi Coâng ty TNHH Haûi Vöông, Coâng ty TNHH Sao Mai. Naêm 2001, oâng Myõ ñöôïc Ñaïi hoäi ñoàng Coå ñoâng baàu laøm UÛy vieân Hoäi ñoàng quaûn trò Ngaân haøng Nam AÙ. Sau ñoù, oâng ñöôïc baàu laøm Chuû tich Hoäi ñoàng quaûn trò Ngaân haøng Nam AÙ. OÂng Nguyeãn Quoác Myõ coøn laø Chuû tòch Hoäi ñoàng Tín duïng - Ñaàu tö, Tröôûng ban Quaûn lyù döï aùn thieát laäp heä thoáng maïng coâng ngheä thoâng tin, Chuû tòch Hoäi ñoàng xöû lyù ruûi ro cuûa Ngaân haøng Nam AÙ.

Trình ñoä chuyeân moân: Trung caáp Quaûn lyù Kinh teá Quaù trình coâng taùc: OÂng Taân laø Toång Giaùm ñoác Coâng ty TNHH Hoaøn Caàu töø naêm 1990 ñeán nay. Naêm 2003 oâng Taân ñöôïc baàu laøm UÛy vieân Hoäi ñoàng quaûn trò, sau ñoù oâng ñöôïc baàu laøm Chuû tòch Hoäi ñoàng quaûn trò vaø hieän nay oâng coøn laø Chuû tòch Hoäi ñoàng kyû luaät cuûa Ngaân haøng Nam AÙ.

Trình ñoä chuyeân moân: Tuù taøiQuaù trình coâng taùc: OÂng Chung baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø naêm 2007 vôùi chöùc vuï UÛy vieân Hoäi ñoàng quaûn trò Ngaân haøng Nam AÙ. Tröôùc ñoù, oâng Chung ñaõ töøng traûi qua nhieàu vò trí coâng taùc nhö Keá toaùn tröôûng Xí nghieäp May Thaéng Lôïi, Phoù giaùm ñoác coâng ty TNHH Hoàng Ngoïc, Giaùm ñoác Coâng ty TNHH Thaønh Coâng. Töø naêm 1997 ñeán nay oâng laø Toång Giaùm ñoác Coâng ty CP Haûi Vöông, Chuû tòch Hoäi ñoàng Quaûn trò Coâng ty coå phaàn Thaønh Coâng.

Trình ñoä chuyeân moân: Thaïc syõ Quaûn trò kinh doanh Quaù trình coâng taùc: Baø Loan ñaõ nhaän baèng Thaïc syõ Quaûn trò kinh doanh taïi Ñaïi hoïc Richmond International College – Canada. Tröôùc khi tham gia Hoäi ñoàng quaûn trò Ngaân haøng Nam AÙ, Baø Loan ñaõ töøng laø Chuû tòch Coâng ty TNHH Sôn Haûi. Baø Loan hieän ñanglaø Chuû tòch Hoäi ñoàng quaûn trò Coâng ty Coå phaàn Thanh Yeán,Toång Giaùm ñoác Coâng ty Indochina Stone Vieät Nam. Ngoaøi ra, Baø Loan coøn laø Chuû tòch Hoäi ñoàng Xöû lyù taøi saûn, Tröôûng ban Taøi chính cuûa Ngaân haøng Nam AÙ.


OÂng Nguyeãn Vaên DaäuTröôûng Ban Kieåm Soaùt

OÂng Trang Xuaân TöûngThaønh vieân

BAN KIEÅM SOAÙT

Trình ñoä chuyeân moân: Cöû nhaân Kinh teáQuaù trình coâng taùc: OÂng Daäu ñaõ coù treân 40 naêm kinh nghieäm hoaït ñoäng trong lónh vöïc taøi chính ngaân haøng. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, OÂng Daäu ñaõ töøng coâng taùc taïi Ngaân haøng Nhaø nöôùc Tænh Tuyeân Quang vaø Ngaân haøng Nhaø nöôùc Tænh Ninh Bình, Phoù Giaùm ñoác Ngaân haøng Nhaø nöôùc Tænh Quaûng Ñöùc, Chuyeân vieân vuï Kinh teá Keá hoaïch; Chuyeân vieân vuï Löu thoâng tieàn teä Ngaân haøng Nhaø nöôùc Trung öông taïi 17 Beán Chöông Döông TP. Hoà Chí Minh, Chuyeân vieân tieàn teä Ngaân haøng Nhaø nöôùc khu vöïc 1 taïi 17 Beán Chöông Döông TP. Hoà Chí Minh, Tröôûng Phoøng Tieàn teä - Kho quyõ Ngaân haøng Nhaø nöôùc TP. Hoà Chí Minh. Taïi Ngaân haøng Nam AÙ, OÂng Daäu ñaõ töøng ñaûm nhieäm caùc vò trí Toång Thanh tra Ngaân haøng Nam AÙ, Phoù Toång giaùm ñoác, Tröôûng phoøng Kieåm tra Kieåm soaùt noäi boä. Töø thaùng 03/1999 ñeán nay, OÂng Nguyeãn Vaên Daäu ñöôïc baàu laøm Tröôûng ban Kieåm soaùt cuûa Ngaân haøng Nam AÙ.

Baø Trieäu Kim CaânThaønh vieân

Trình ñoä chuyeân moân: Cöû nhaân Kinh teá Quaù trình coâng taùc: Baø Caân ñöôïc baàu laøm Kieåm soaùt vieân Ngaân haøng Nam AÙ töø naêm 2003 ñeán nay. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, Baø Caân ñaõ coâng taùc taïi caùc ñôn vò nhö Phoøng Toå chöùc caùn boä NHNN tænh Taây Ninh, Phoøng Tieàn teä - NHNN tænh Taây Ninh, Phoøng Taøi vuï Coâng ty cung öùng vaät tö thuoäc Lieân hieäp Xí nghieäp Xaây döïng thuûy lôïi 4.

Trình ñoä chuyeân moân: Cöû nhaân Kinh teá Quaù trình coâng taùc: OÂng Töûng ñaõ coù 17 naêm kinh nghieäm laøm vieäc trong ngaønh ngaân haøng. OÂng Töûng baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø naêm 2004, töøng ñaûm nhieäm caùc vò trí Caùn boä tín duïng, Tröôûng phoøng Kieåm tra kieåm soaùt noäi boä. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, oâng Töûng ñaõ coâng taùc taïi caùc ngaân haøng nhö Ngaân haøng TMCP Saøi goøn Thöông Tín, Ngaân haøng TMCP Taân Vieät. Ñeán thaùng 07/2007, oâng Töûng ñöôïc baàu laøm Kieåm soaùt vieân Ngaân haøng Nam AÙ. Hieän nay, OÂng Töûng coøn laø Tröôûng ban kieåm toaùn noäi boä cuûa Ngaân haøng Nam AÙ.


OÂng Tröông Minh KhaiToång Giaùm Ñoác

OÂng Laïi Quoác Tuaán Phoù Toång Giaùm Ñoác

Baø Voõ Thò Tuyeát Nga Phoù Toång Giaùm Ñoác

BAN ÑIEÀU HAØNH

Trình ñoä chuyeân moân: Cöû nhaân Kinh teá Quaù trình coâng taùc: OÂng Khai baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø naêm 2005 vôùi chöùc vuï Phoù Toång Giaùm ñoác Thöôøng tröïc vaø ñöôïc boå nhieäm giöõ chöùc danh Toång giaùm ñoác Ngaân haøng Nam AÙ töø thaùng 11/2007 ñeán nay. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, oâng Khai ñaõ coù nhieàu naêm kinh nghieäm vôùi vai troø quaûn lyù, ñieàu haønh doanh nghieäp nhö Tröôûng phoøng Keá hoaïch - XNK Lieân hieäp coâng ty xuaát nhaäp khaåu tænh Nghóa Bình; Tröôûng phoøng Thöông vuï, Giaùm ñoác Ñieàu haønh, Giaùm ñoác Coâng ty TNHH Bia Khaùnh Hoøa; UÛy vieân Hoäi ñoàng Quaûn trò kieâm Phoù Toång Giaùm ñoác Coâng ty Lieân doanh Bia Roàng Vaøng; Giaùm ñoác Coâng ty TNHH Suoái Tieân kieâm Giaùm ñoác Ban Quaûn lyù döï aùn ñaàu tö Nhaø maùy nöôùc giaûi khaùt Suoái Tieân taïi Khaùnh Hoøa vaø Phoù Toång Giaùm ñoác thöù nhaát Coâng ty TNHH Hoaøn Caàu.

Trình ñoä chuyeân moân: Cöû nhaân Kinh teá Quaù trình coâng taùc: OÂng Tuaán ñaõ coù kinh nghieäm laøm vieäc trong lónh vöïc taøi chính ngaân haøng ñöôïc gaàn 17 naêm. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, OÂng Tuaán ñaõ coâng taùc taïi moät soá cô quan nhö Vaên phoøng ñaïi dieän Cuïc Haøng Haûi Vieät Nam, Chuyeân vieân Kinh doanh Ngoaïi teä taïi Ngaân haøng TMCP Haøng Haûi, Giaùm ñoác taøi chính Coâng ty Lieân doanh Haø Noäi-Fortuna, Phuï traùch Phoøng Tín duïng vaø Phoøng Ñaàu tö - Chöùng khoaùn taïi Coâng ty Taøi chính Böu Ñieän, Tröôûng Phoøng Nguoàn Voán taïi VIBANK, Phoù Giaùm ñoác Ngaân haøng TMCP Phöông Ñoâng Chi nhaùnh Haø Noäi. Hieän nay, OÂng Tuaán ñang ñaûm nhieäm chöùc vuï Phoù Toång Giaùm ñoác phuï traùch Khoái Khu vöïc phía Baéc kieâm Giaùm ñoác Chi nhaùnh Haø Noäi cuûa Ngaân haøng Nam AÙ.

Trình ñoä chuyeân moân: Cöû nhaân Kinh teá Quaù trình coâng taùc: Baø Nga ñaõ coù kinh nghieäm laøm vieäc trong lónh vöïc taøi chính ngaân haøng ñöôïc gaàn 20 naêm. Baø Nga baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø naêm 1992 vaø ñaõ ñaûm nhieäm qua nhieàu chöùc danh nhö Keá toaùn tröôûng Chi nhaùnh, Thö kyù Vaên phoøng HÑQT, Kieåm tra vieân, Tröôûng phoøng Keá toaùn kieâm Keá toaùn tröôûng Hoäi sôû, Giaùm ñoác Chi nhaùnh. Hieän nay, Baø Nga ñang ñaûm nhieäm chöùc vuï Phoù Toång Giaùm ñoác phuï traùch Khoái Vaän haønh cuûa Ngaân haøng Nam AÙ.


OÂng Nguyeãn Danh Thieát Phoù Toång Giaùm Ñoác

OÂng Traàn Ngoïc Taâm Phoù Toång Giaùm Ñoác

OÂng Leâ Khaùnh HieànPhoù Toång Giaùm Ñoác

Trình ñoä chuyeân moân: Thaïc só Kinh teáQuaù trình coâng taùc: OÂng Hieàn nhaän baèng Thaïc syõ Kinh teá chuyeân ngaønh Taøi chính – Ngaân haøng taïi Hoïc vieän Ngaân haøng, toát nghieäp Chöông trình quaûn lyù taøi chính cao caáp vaø laø Thaønh vieân cuûa Hoïc vieän Quaûn lyù taøi chính Hoa Kyø (AAFM). Hieän nay, OÂng Hieàn laø hoïc vieân cuûa Hieäp hoäi Keá toaùn Coâng chöùng Anh (ACCA). Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, OÂng Hieàn ñaõ coù 10 naêm kinh nghieäm laøm vieäc taïi NHNN TP. HCM vôùi caùc vò trí Chuyeân vieân quaûn lyù ngoaïi hoái; Chuyeân vieân quaûn lyù ngaân haøng; thaønh vieân toå giaùm saùt, toå kieåm soaùt ñaëc bieät moät soá ngaân haøng TMCP taïi TP. HCM. OÂng Hieàn ñaõ töøng ñaûm nhieäm chöùc vuï Tröôûng vaên phoøng Hoäi ñoàng quaûn trò; Phoù Tröôûng Ban Xaây döïng quy cheá, quy trình nghieäp vuï; Thaønh vieân Hoäi ñoàng Tín duïng - Ñaàu tö vaø hieän ñang ñaûm nhieäm chöùc vuï Phoù Toång Giaùm ñoác phuï traùch Khoái Quaûn lyù Ruûi ro cuûa Ngaân haøng Nam AÙ.

Trình ñoä chuyeân moân: Cöû nhaân Kinh teáQuaù trình coâng taùc: OÂng Thieát ñaõ coù kinh nghieäm treân 10 naêm laøm vieäc trong lónh vöïc taøi chính ngaân haøng. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, OÂng Thieát ñaõ töøng phuï traùch kinh doanh xuaát nhaäp khaåu thuûy haûi saûn taïi Coâng ty Thöông maïi Vieät Thaønh vaø Vaên phoøng ñaïi dieän S.I.2A Group (Phaùp) taïi Vieät Nam, Chuyeân vieân tín duïng ngaén haïn cuûa Ngaân haøng Ñaàu tö vaø Phaùt trieån Vieät Nam - Chi nhaùnh TP. HCM. OÂng Thieát baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø thaùng 07/2003 vôùi chöùc vuï Kieåm tra vieân noäi boä, Giaùm ñoác Chi nhaùnh Ngaõ Baûy, Tröôûng phoøng Tín duïng Hoäi sôû Ngaân haøng Nam AÙ. Hieän nay, OÂng Thieát ñöôïc boå nhieäm laøm Phoù Toång Giaùm ñoác phuï traùch Khoái Kinh doanh I cuûa Ngaân haøng Nam AÙ.

Trình ñoä chuyeân moân: Cöû nhaân Kinh teáQuaù trình coâng taùc: OÂng Taâm ñaõ coù treân 10 naêm kinh nghieäm laøm vieäc trong lónh vöïc taøi chính ngaân haøng. Tröôùc khi laøm vieäc taïi Ngaân haøng Nam AÙ, OÂng Taâm ñaõ töøng laø Caùn boä tín duïng taïi Ngaân haøng Ñaïi Nam, Ngaân haøng Phöông Nam. OÂng Taâm baét ñaàu laøm vieäc taïi Ngaân haøng Nam AÙ töø thaùng 10/2003 vôùi vai troø Chuyeân vieân Tín duïng. Sau ñoù, oâng ñaûm nhieäm nhieàu chöùc danh nhö Giaùm ñoác Chi nhaùnh Quang Trung, Giaùm ñoác Coâng ty Quaûn lyù nôï & Khai thaùc taøi saûn Ngaân haøng Nam AÙ. Hieän nay, OÂng Taâm ñöôïc boå nhieäm laøm Phoù Toång Giaùm ñoác phuï traùch Khoái Kinh doanh II cuûa Ngaân haøng Nam AÙ.


Sô ñoà toå chöùc Ngaân Haøng Nam AÙ

ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNGShareholder’s Meeting

HOÄI ÑOÀNG QUAÛN TRÒBoard of Management

(B.O.M)

BAN KIEÅM SOAÙTControl Committee

BAN KIEÅM TOAÙN NOÄI BOÄAudit Committee

VAÊN PHOØNG HOÄI ÑOÀNG QUAÛN TRÒ

B.O.M OfficeTOÅNG GIAÙM ÑOÁC

Genaral Director

Phoøng Quaûn Lyù Tín DuïngCredit Management Dept.

Phoøng Phaùp Cheá & Thu HoàiNôï Quaù Haïn

Legal & Collection Dept.

Phoøng Quaûn Lyù Ruûi RoRisks Management Dept.

Phoøng Tín DuïngCredit Department

Caùc Chi NhaùnhBranches

Caùc Phoøng Giao DòchTransaction Offices

Phoøng Keá ToaùnAccouting Department

Phoøng Thanh ToaùnQuoác Teá

Trade Finance Department

Phoøng Quaûn Lyù TheûCard Management Dept.

Phoøng Ngaân QuyõCash Department

Chi Nhaùnh Haø NoäiHa Noi Branch

Chi Nhaùnh Haûi PhoøngHai Phong Branch

Chi Nhaùnh Laïng SônLang Son Branch

Caùc Chi Nhaùnh KhaùcOther Branches

Phoøng Nguoàn VoánTreasury Department

Phoøng Kinh DoanhNgoaïi Hoái

Foreign Exchange Dept.

Phoøng Ñaàu Tö Taøi ChínhFinancial Department

Caùc Coâng Ty Tröïc ThuoäcSubsidiaries

Phoøng Nhaân SöïHuman Resourses

Phoøng Coâng NgheäThoâng Tin

IT Department

Phoøng Haønh ChaùnhQuaûn Trò

Administrative Department

Ban Nghieäp VuïCoâng Ngheä Ngaân HaøngBoard of Banking Technology

Phoøng Phaùt TrieånKhaùch Haøng

Customer Developing Dept.

Phoøng MarketingMarketing Department

Phoøng Keá Hoaïch Toång HôïpPlanning Department

Giaùm Ñoác Khoái MarketingDirector of Marketing Division

Phoù Toång Giaùm ÑoácVice General Director

Giaùm Ñoác Khoái Quaûn Lyù Ruûi RoDirector of Risk

Management Division


Giaùm Ñoác Khoái Vaän HaønhDirector of Operation Division


Giaùm Ñoác Khu Vöïc Phía BaécDirector of the Northern Area


Giaùm Ñoác Khoái Kinh Doanh IDirector of the firstBusiness Division


Giaùm Ñoác Khoái Kinh Doanh IIDirector of the second

Business Division


Giaùm Ñoác Khoái Hoã TrôïDirector of Supporting Division


Nhaèm ñaùp öùng nhu caàu hoäi nhaäp vaø caïnh tranh, Ngaân haøng Nam AÙ ñaõ khoâng ngöøng phaùt trieån cô caáu toå chöùc cho phuø hôïp tình hình, nhieäm vuï môùi. Do ñoù, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ tieán haønh taùch vaø thaønh laäp môùi moät soá Phoøng, Ban. Beân caïnh ñoù, Ngaân haøng Nam AÙ ñaõ tieán haønh ñieàu chænh cô caáu toå chöùc vaø phaùt trieån nguoàn nhaân löïc theo höôùng phaân coâng ñieàu haønh vôùi chöùc naêng chuyeân bieät.


ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNGShareholder’s Meeting

HOÄI ÑOÀNG QUAÛN TRÒBoard of Management

(B.O.M)

BAN KIEÅM SOAÙTControl Committee

BAN KIEÅM TOAÙN NOÄI BOÄAudit Committee

VAÊN PHOØNG HOÄI ÑOÀNG QUAÛN TRÒ

B.O.M OfficeTOÅNG GIAÙM ÑOÁC

Genaral Director

Phoøng Quaûn Lyù Tín DuïngCredit Management Dept.

Phoøng Phaùp Cheá & Thu HoàiNôï Quaù Haïn

Legal & Collection Dept.

Phoøng Quaûn Lyù Ruûi RoRisks Management Dept.

Phoøng Tín DuïngCredit Department

Caùc Chi NhaùnhBranches

Caùc Phoøng Giao DòchTransaction Offices

Phoøng Keá ToaùnAccouting Department

Phoøng Thanh ToaùnQuoác Teá

Trade Finance Department

Phoøng Quaûn Lyù TheûCard Management Dept.

Phoøng Ngaân QuyõCash Department

Chi Nhaùnh Haø NoäiHa Noi Branch

Chi Nhaùnh Haûi PhoøngHai Phong Branch

Chi Nhaùnh Laïng SônLang Son Branch

Caùc Chi Nhaùnh KhaùcOther Branches

Phoøng Nguoàn VoánTreasury Department

Phoøng Kinh DoanhNgoaïi Hoái

Foreign Exchange Dept.

Phoøng Ñaàu Tö Taøi ChínhFinancial Department

Caùc Coâng Ty Tröïc ThuoäcSubsidiaries

Phoøng Nhaân SöïHuman Resourses

Phoøng Coâng NgheäThoâng Tin

IT Department

Phoøng Haønh ChaùnhQuaûn Trò

Administrative Department

Ban Nghieäp VuïCoâng Ngheä Ngaân HaøngBoard of Banking Technology

Phoøng Phaùt TrieånKhaùch Haøng

Customer Developing Dept.

Phoøng MarketingMarketing Department

Phoøng Keá Hoaïch Toång HôïpPlanning Department

Giaùm Ñoác Khoái MarketingDirector of Marketing Division


Giaùm Ñoác Khoái Quaûn Lyù Ruûi RoDirector of Risk

Management Division


Giaùm Ñoác Khoái Vaän HaønhDirector of Operation Division


Giaùm Ñoác Khu Vöïc Phía BaécDirector of the Northern Area


Giaùm Ñoác Khoái Kinh Doanh IDirector of the firstBusiness Division


Giaùm Ñoác Khoái Kinh Doanh IIDirector of the second

Business Division


Giaùm Ñoác Khoái Hoã TrôïDirector of Supporting Division



Hoäi ñoàng quaûn trò: laø cô quan quaûn trò cuûa Ngaân haøng Nam AÙ, coù toaøn quyeàn nhaân danh Ngaân haøng Nam AÙ quyeát ñònh caùc vaán ñeà lieân quan ñeán muïc ñích, quyeàn lôïi cuûa Ngaân haøng Nam AÙ, tröø nhöõng vaán ñeà thuoäc thaåm quyeàn cuûa Ñaïi hoäi ñoàng coå ñoâng. Giuùp vieäc cho Hoäi ñoàng quaûn trò coù Vaên phoøng Hoäi ñoàng quaûn trò. Hoäi ñoàng quaûn trò giöõ vai troø ñònh höôùng chieán löôïc, keá hoaïch hoaït ñoäng haøng naêm; chæ ñaïo vaø giaùm saùt hoaït ñoäng cuûa Ngaân haøng thoâng qua Ban ñieàu haønh vaø caùc Hoäi ñoàng.

Hoäi ñoàng quaûn trò coù nhieäm vuï hoaïch ñònh chuû tröông, ñöôøng loái, muïc tieâu, chính saùch vaø ban haønh caùc quy cheá, quy ñònh, ñoàng thôøi theo doõi quaù trình toå chöùc thöïc hieän cuûa boä maùy ñieàu haønh caùc caáp.

Ban kieåm soaùt: laø cô quan kieåm tra hoaït ñoäng taøi chính cuûa Ngaân haøng TMCP Nam AÙ, giaùm saùt vieäc chaáp haønh cheá ñoä haïch toaùn, hoaït ñoäng cuûa heä thoáng kieåm tra, kieåm soaùt noäi boä cuûa Ngaân haøng TMCP Nam AÙ. Giuùp vieäc cho Ban kieåm soaùt coù Ban kieåm toaùn noäi boä.

Ban coá vaán: coá vaán cho Hoäi ñoàng quaûn trò trong coâng taùc quaûn trò, ñieàu haønh hoaït ñoäng kinh doanh Ngaân haøng Nam AÙ, phaùt trieån caùc saûn phaåm dòch vuï ngaân haøng, phaùt trieån nguoàn nhaân löïc, hoaït ñoäng ñoái ngoaïi, hoaït ñoäng ñaàu tö, lieân doanh, lieân keát,...

Hoäi ñoàng Tín duïng - Ñaàu tö: xeùt duyeät caùc khoaûn cho vay, baûo laõnh vöôït quaù 5% voán ñieàu leä; xeùt duyeät caùc phöông aùn ñaàu tö hôïp taùc, goùp voán lieân doanh vôùi caùc ñôn vò khaùc; giaùm saùt coâng taùc thu hoài nôï quaù haïn.

Hoäi ñoàng xöû lyù taøi saûn: tham vaán, ñeà xuaát yù kieán cho Hoäi ñoàng quaûn trò, Toång Giaùm ñoác trong vieäc toå chöùc quaûn lyù, söû duïng, mua baùn coù hieäu quaû caùc taøi saûn cuûa Ngaân haøng Nam AÙ.

Hoäi ñoàng Nhaân söï - Tieàn löông: xem xeùt caùc vaán ñeà lieân quan ñeán cheá ñoä tuyeån duïng, tieàn löông cuûa CBNV Ngaân haøng Nam AÙ.

Hoäi ñoàng Thi ñua - Khen thöôûng: ñeà xuaát, ñaùnh giaù keát quaû coâng taùc thi ñua khen thöôûng taïi Ngaân haøng Nam AÙ.

Hoäi ñoàng xöû lyù kyû luaät: tham vaán cho Hoäi ñoàng quaûn trò, Toång Giaùm ñoác trong vieäc quyeát ñònh xöû lyù kyû luaät caùn boä nhaân vieân vi phaïm kyû luaät trong toaøn heä thoáng Ngaân haøng Nam AÙ.

Hoäi ñoàng xöû lyù ruûi ro: xem xeùt vieäc trích laäp döï phoøng ruûi ro, quyeát ñònh xöû lyù ruûi ro theo quy ñònh, giaùm saùt coâng taùc thu hoài nôï.

Ban Taøi chính: giaùm saùt, theo doõi, kieåm tra nguoàn voán, söû duïng voán; tham vaán ñeà xuaát yù kieán cho Hoäi ñoàng quaûn trò trong vieäc quyeát ñònh keá hoaïch chi tieâu, mua saém taøi saûn.

Vaên phoøng HÑQT: giuùp Hoäi ñoàng quaûn trò toång hôïp, quaûn trò hoaït ñoäng Ngaân haøng theo Nghò quyeát ÑHÑCÑ vaø chöông trình, keá hoaïch coâng taùc ñaõ ñöôïc Hoäi ñoàng quaûn trò thoâng qua; tham möu cho Hoäi ñoàng quaûn trò trong vieäc thöïc hieän chöùc naêng quaûn trò hoaït ñoäng Ngaân haøng Nam AÙ.

Ban kieåm toaùn noäi boä: thöïc hieän coâng taùc kieåm toaùn hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ.

Vai troø, traùch nhieäm vaø nhieäm vuï cuûa

Hoäi ñoàng quaûn trò

Caùc Ban, Hoäi ñoàng cuûa

Hoäi ñoàng quaûn trò


Toång Giaùm ñoác: laø ngöôøi chòu traùch nhieäm tröôùc Hoäi ñoàng quaûn trò, tröôùc phaùp luaät veà vieäc ñieàu haønh hoaït ñoäng haøng ngaøy cuûa Ngaân haøng TMCP Nam AÙ. Giuùp vieäc cho Toång Giaùm ñoác coù moät soá Phoù Toång Giaùm ñoác, Giaùm ñoác Khoái, Keá toaùn tröôûng vaø boä maùy chuyeân moân nghieäp vuï, cuï theå nhö sau:

Phoù Toång Giaùm ñoác: laø ngöôøi giuùp Toång Giaùm ñoác ñieàu haønh moät hoaëc moät soá lónh vöïc hoaït ñoäng cuûa Ngaân haøng TMCP Nam AÙ theo söï phaân coâng cuûa Toång Giaùm ñoác, chòu traùch nhieäm tröôùc Toång Giaùm ñoác vaø tröôùc phaùp luaät veà nhieäm vuï ñöôïc Toång Giaùm ñoác phaân coâng.

Giaùm ñoác Khoái: laø ngöôøi giuùp Toång Giaùm ñoác quaûn lyù, ñieàu haønh caùc hoaït ñoäng cuûa Khoái theo söï phaân coâng cuûa Toång Giaùm ñoác, chòu traùch nhieäm tröôùc Toång Giaùm ñoác vaø tröôùc phaùp luaät veà nhieäm vuï ñöôïc Toång Giaùm ñoác phaân coâng.

Keá toaùn tröôûng: giuùp Toång Giaùm ñoác chæ ñaïo thöïc hieän coâng taùc keá toaùn, thoáng keâ cuûa Ngaân haøng TMCP Nam AÙ, coù caùc quyeàn vaø nhieäm vuï theo quy ñònh cuûa phaùp luaät vaø Ñieàu leä Ngaân haøng TMCP Nam AÙ.

Boä maùy chuyeân moân nghieäp vuï: coù chöùc naêng tham möu, giuùp Hoäi ñoàng quaûn trò vaø Toång Giaùm ñoác trong quaûn lyù vaø ñieàu haønh coâng vieäc. Boä maùy chuyeân moân nghieäp vuï cuûa Ngaân haøng TMCP Nam AÙ bao goàm:

· Khoái Vaän haønh: quaûn lyù, ñieàu haønh caùc hoaït ñoäng trong heä thoáng vaän haønh hoã trôï caùc hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Keá toaùn, Phoøng Thanh toaùn quoác teá, Phoøng Ngaân quyõ vaø Phoøng Quaûn lyù theû.

· Khoái Khu vöïc phía Baéc: Quaûn lyù, ñieàu haønh caùc hoaït ñoäng Ngaân haøng TMCP Nam AÙ thuoäc khu vöïc phía Baéc, tröïc tieáp quaûn lyù Chi nhaùnh Haø Noäi, Chi nhaùnh Haûi Phoøng, Chi nhaùnh Laïng Sôn vaø caùc Chi nhaùnh khaùc.

· Khoái Hoã trôï: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï cho moïi hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Nhaân söï, Phoøng Coâng ngheä thoâng tin, Phoøng Haønh chính - Quaûn trò vaø Ban Tifa.

· Khoái Quaûn lyù ruûi ro: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm haïn cheá toái ña moïi ruûi ro coù theå xaûy ra trong hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Quaûn lyù tín duïng, Phoøng Phaùp cheá & Thu hoài nôï quaù haïn, Phoøng Quaûn lyù ruûi ro.

· Khoái kinh doanh I: quaûn lyù, ñieàu haønh coâng taùc kinh doanh caùc Chi nhaùnh; tham möu, giuùp Giaùm ñoác Khoái quaûn lyù, ñieàu haønh coâng taùc kinh doanh coù Phoøng Tín duïng.

· Khoái kinh doanh II: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï, phaùt trieån caùc hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Nguoàn voán, Phoøng Kinh doanh ngoaïi hoái, Phoøng Ñaàu tö taøi chính vaø Quaûn lyù coâng ty tröïc thuoäc.

· Khoái Marketing: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï, phaùt trieån caùc hoaït ñoäng kinh doanh, phaùt trieån thò tröôøng, phaùt trieån thöông hieäu, goàm caùc phoøng: Phoøng Phaùt trieån khaùch haøng, Phoøng Marketing.

· Phoøng Keá hoaïch toång hôïp: Tham möu, giuùp Toång Giaùm ñoác trong coâng taùc keá hoaïch, toång hôïp, hoã trôï vaø chieán löôïc phaùt trieån moïi hoaït ñoäng trong Ngaân haøng.

Boä maùy quaûn lyù, ñieàu haønh


Ruûi ro veà laõi suaátRuûi ro veà laõi suaát xaûy ra khi coù söï bieán ñoäng veà laõi suaát thò tröôøng vaø noù taùc ñoäng ñeán thu nhaäp vaø chi phí hoaït ñoäng cuûa ngaân haøng. Ñeå coù theå kieåm soaùt ruûi ro veà laõi suaát, Ngaân haøng Nam AÙ ñaõ vaø ñang aùp duïng chính saùch quaûn lyù ruûi ro laõi suaát treân cô sôû phaân tích ñaùnh giaù cheânh leäch veà kyø haïn, laõi suaát cuûa caùc khoaûn muïc nguoàn voán vaø taøi saûn, töø ñoù ñöa ra caùc bieän phaùp xöû lyù cuï theå:° Hoäi sôû thöïc hieän quaûn lyù, kinh doanh voán taäp trung;° Thöïc hieän cho vay vôùi laõi suaát thaû noåi, ñieàu naøy cho pheùp Ngaân haøng coù theå thay ñoåi linh hoaït möùc laõi suaát cho

vay phuø hôïp vôùi söï bieán ñoäng cuûa thò tröôøng;° Duy trì cheânh leäch laõi suaát giöõa ñaàu vaøo, ñaàu ra moät caùch hôïp lyù, tuaân thuû quy ñònh veà an toaøn voán cuûa NHNN.

Ruûi ro tín duïngRuûi ro tín duïng laø khaû naêng xaûy ra toån thaát trong hoaït ñoäng Ngaân haøng Nam AÙ do khaùch haøng khoâng thöïc hieän hoaëc khoâng coù khaû naêng thöïc hieän nghóa vuï cuûa mình theo cam keát. Ñeå quaûn lyù ruûi ro tín duïng, Ngaân haøng Nam AÙ ñang aùp duïng moät soá bieän phaùp nhö sau:° Tuaân thuû caùc quy ñònh cuûa NHNN veà coâng taùc tín duïng, tyû leä an toaøn voán; ° Thöïc hieän cheá ñoä ñaøo taïo, boài döôõng nhaèm naâng cao trình ñoä nghieäp vuï chuyeân moân cho caùc CBNV thöïc hieän

coâng taùc tín duïng;° Töøng böôùc xaây döïng vaø hoaøn thieän caùc chính saùch veà quaûn trò ruûi ro, ñaëc bieät laø ruûi ro tín duïng: quy ñònh veà

phaân quyeàn, haïn möùc pheâ duyeät...;° Xaây döïng chính saùch tín duïng theo höôùng ña daïng hoùa saûn phaåm;° Chuaån hoùa quy trình tín duïng vôùi caùc quy ñònh chaët cheõ veà kieåm soaùt, aùp duïng caùc maãu bieåu thoáng nhaát trong

toaøn heä thoáng; ° Phaân loaïi, quaûn lyù vaø xöû lyù caùc khoaûn nôï xaáu;° Trích laäp döï phoøng ruûi ro theo quy ñònh.

Ruûi ro veà ngoaïi hoáiRuûi ro veà ngoaïi hoái phaùt sinh khi coù söï bieán ñoäng veà tyû giaù hoái ñoaùi laøm cho giaù trò cuûa caùc loaïi “taøi saûn coù” vaø “taøi saûn nôï” baèng ngoaïi teä, vaøng giaûm ñi.Ñeå giaûm thieåu ruûi ro veà ngoaïi hoái, Ngaân haøng Nam AÙ ñaõ xaây döïng vaø thöïc hieän chính saùch quaûn lyù ruûi ro veà ngoaïi hoái nhö sau:° Tuaân thuû caùc quy ñònh cuûa NHNN; ° Quaûn lyù traïng thaùi ngoaïi hoái môû;° Kieåm soaùt ruûi ro thoâng qua caùc quy ñònh taùch baïch chöùc naêng cuûa caùc boä phaän; quy ñònh veà phaân quyeàn, haïn

möùc giao dòch, haïn möùc döøng loã;° Ña daïng hoùa caùc saûn phaåm phaùi sinh.

Ruûi ro veà thanh khoaûnHoaït ñoäng trong lónh vöïc raát nhaïy caûm tröôùc caùc bieán ñoäng cuûa thò tröôøng, caùc tin ñoàn thaát thieät coù theå aûnh höôûng ñeán hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ thöïc hieän caùc bieän phaùp nhaèm kieåm soaùt ruûi ro veà thanh khoaûn nhö sau: ° Ngaân haøng Nam AÙ thöïc hieän duy trì caùc tyû leä ñaûm baûo khaû naêng thanh khoaûn, baûo hieåm tieàn göûi theo quy ñònh

cuûa NHNN.° Hoäi sôû quaûn lyù nguoàn voán taäp trung, ñaûm baûo khaû naêng thanh khoaûn cho toaøn heä thoáng thoâng qua vieäc nghieân

cöùu, phaân tích ñoä leäch kyø haïn; döï ñoaùn thôøi haïn, trò giaù caùc khoaûn chi chuû yeáu aûnh höôûng ñeán luoàng tieàn vaøo ra, töø ñoù ñöa ra caùc chæ soá giôùi haïn, caùc danh muïc ñaàu tö hôïp lyù vaø coù tính thanh khoaûn cao coù theå chuyeån ñoåi thaønh tieàn maët ñaùp öùng nhu caàu ruùt tieàn theo ñònh kyø, hoaëc ñoät xuaát cuûa khaùch haøng.

° Ngaân haøng Nam AÙ luoân theo doõi, phaân tích, ñaùnh giaù vaø coù traùch nhieäm chuû ñoäng coâng boá thoâng tin nhaèm giuùp khaùch haøng, coå ñoâng hieåu roõ moïi hoaït ñoäng cuûa Ngaân haøng, haïn cheá nhöõng tin ñoàn thaát thieät coù theå gaây aûnh höôûng ñeán hoaït ñoäng cuûa Ngaân haøng.

Coâng taùc quaûn lyù ruûi ro


Ruûi ro töø caùc hoaït ñoäng ngoaïi baûng:Haàu heát caùc khoaûn baûo laõnh L/C, caùc khoaûn Ngaân haøng Nam AÙ cam keát cho vay ñeàu coù taøi saûn ñaûm baûo, do ñoù khaû naêng caùc khoaûn neâu treân gaây ra nhöõng bieán ñoäng aûnh höôûng ñeán tình hình taøi chính cuûa Ngaân haøng Nam AÙ laø raát thaáp.

Ruûi ro luaät phaùpLaø coâng ty ñaïi chuùng hoaït ñoäng trong lónh vöïc taøi chính - tieàn teä, Ngaân haøng Nam AÙ luoân tuaân thuû caùc quy ñònh cuûa Phaùp luaät, NHNN, Boä taøi chính, UBCKNN. Do vaäy vieäc thay ñoåi, boå sung caùc vaên baûn quy phaïm phaùp luaät lieân quan ñeán hoaït ñoäng ngaân haøng ñeàu aûnh höôûng tröïc tieáp ñeán hoaït ñoäng cuûa Ngaân haøng Nam AÙ. Tuy nhieân, vôùi ñònh höôùng phaùt trieån kinh doanh oån ñònh, laâu daøi; tình hình taøi chính minh baïch; kinh nghieäm quaûn trò, Ngaân haøng Nam AÙ seõ thích öùng nhanh vôùi nhöõng thay ñoåi veà caùc quy ñònh.

Ruûi ro veà hoaït ñoängHoaït ñoäng ngaân haøng chòu nhieàu ruûi ro, ruûi ro chuû yeáu laø:° Ruûi ro tín duïng;° Ruûi ro thanh khoaûn;° Ruûi ro thò tröôøng: laø nhöõng ruûi ro phaùt sinh khi coù söï thay ñoåi baát thöôøng veà: laõi suaát, tyû giaù hoái ñoaùi, giaù chöùng khoaùn,

giaù caùc taøi saûn khaùc do Ngaân haøng naém giöõ trong quaù trình hoaït ñoäng kinh doanh;° Ruûi ro taùc nghieäp.

Trong caùc ruûi ro neâu treân thì ruûi ro tín duïng xaûy ra seõ aûnh höôûng raát lôùn ñeán hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ, vì hieän nay hoaït ñoäng chuû yeáu cuûa Ngaân haøng laø cho vay. Do ñoù Ban Laõnh ñaïo Ngaân haøng Nam AÙ ñaõ thöïc hieän chuû tröông ña daïng hoùa caùc saûn phaåm dòch vuï, ña daïng hoùa ñoái töôïng cho vay, trích laäp döï phoøng ñaày ñuû theo quy ñònh, xaây döïng quy trình tín duïng chaët cheõ, naâng cao trình ñoä nghieäp vuï cho caùn boä tín duïng... nhaèm haïn cheá toái ña nhöõng toån thaát khi ruûi ro tín duïng xaûy ra.

Vôùi keá hoaïch ñaåy maïnh, ña daïng hoùa danh muïc ñaàu tö nhaèm taêng lôïi nhuaän vaø giaûm phuï thuoäc vaøo nguoàn thu töø hoaït ñoäng tín duïng, trong ñieàu kieän thò tröôøng chöùng khoaùn coù nhieàu bieán ñoäng, döï baùo trong thôøi gian tôùi laõi suaát seõ bieán ñoäng, ruûi ro veà thanh khoaûn, ruûi ro thò tröôøng coù theå xaûy ra, Ban Laõnh ñaïo ñaõ xaây döïng vaø thöïc hieän chính saùch quaûn lyù veà voán, löïa choïn, quaûn lyù chaët cheõ danh muïc ñaàu tö,... nhaèm chuû ñoäng xöû lyù vaø haïn cheá toån thaát khi xaûy ra ruûi ro.

Ñeå kieåm soaùt ruûi ro taùc nghieäp Ngaân haøng Nam AÙ ñaõ xaây döïng heä thoáng kieåm tra kieåm soaùt chaët cheõ, ñaûm baûo caùc giao dòch ñeàu ñöôïc kieåm soaùt tröôùc khi thöïc hieän.

Ruûi ro khaùc (thieân tai, ñòch hoïa, chaùy noå,...):Ñeå haïn cheá toån thaát khi xaûy ra ruûi ro veà thieân tai, ñòch hoïa, chaùy noå,... Ngaân haøng Nam AÙ ñaõ thöïc hieän baûo hieåm tieàn göûi theo quy ñònh cuûa NHNN, xaây döïng phöông aùn baûo toaøn döõ lieäu trong tröôøng hôïp xaûy ra ruûi ro do baát khaû khaùng, xaây döïng phöông aùn phoøng chaùy chöõa chaùy, baûo hieåm taøi saûn.



Naêm 2007, neàn kinh teá Vieät Nam tieáp tuïc phaùt trieån oån ñònh, ñaït möùc taêng tröôûng cao 8,48%, voán ñaàu tö nöôùc ngoaøi (FDI) ñaït 20,3 tyû USD, kim ngaïch xuaát nhaäp khaåu gia taêng. Tuy nhieân, moâi tröôøng kinh doanh cuûa caùc Ngaân haøng thöông maïi ñaõ gaëp moät soá yeáu toá khoâng thuaän lôïi nhö laïm phaùt taêng cao, giaù vaøng trong nöôùc bieán ñoäng khoù löôøng, Ngaân haøng Nhaø nöôùc ñieàu chænh taêng tyû leä döï tröõ baét buoäc.

Trong boái caûnh ñoù, nhôø coù ñònh höôùng phaùt trieån ñuùng maø Ngaân haøng Nam AÙ ñaõ ñaït ñöôïc moät soá keát quaû ñaùng keå. Cuï theå nhö sau:

* Naêm 2007, caùc chæ tieâu kinh doanh ñeàu taêng tröôûng so vôùi naêm tröôùc. Trong ñoù, lôïi nhuaän tröôùc thueá cuûa Ngaân haøng Nam AÙ ñaït hôn 107 tyû ñoàng, taêng 98,96% so vôùi naêm 2006, cao hôn toång lôïi nhuaän cuûa 3 naêm lieàn tröôùc.

* Ñoái vôùi caùc chæ tieâu veà an toaøn trong hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ luoân ñaûm baûo theo ñuùng quy ñònh.

* Thöïc hieän theo chuû tröông môû roäng maïng löôùi hoaït ñoäng, tính ñeán cuoái naêm Ngaân haøng Nam AÙ ñaõ coù maïng löôùi roäng khaép vôùi 45 ñieåm giao dòch.

* Ngoaøi caùc baèng khen cuûa Thoáng ñoác Ngaân haøng nhaø nöôùc vaø caùc danh hieäu ñaõ ñaït ñöôïc trong caùc naêm qua, naêm 2007 Ngaân haøng Nam AÙ vinh döï ñoùn nhaän baèng khen cuûa Thuû töôùng chính phuû, baèng khen cuûa UÛy ban nhaân daân Thaønh phoá Hoà Chí Minh, ñaït danh hieäu “Thöông hieäu vaøng” do Hieäp hoäi choáng haøng giaû vaø baûo veä thöông hieäu Vieät Nam trao taëng, danh hieäu “Top Trade Services” do Boä Coâng Thöông trao taëng.

Baùo caùo cuûa Toång Giaùm Ñoác

Nhöõng keát quaû ñaït ñöôïc trong naêm 2007 ñaõ khaúng ñònh vò trí cuûa Ngaân haøng Nam AÙ

trong heä thoáng Ngaân haøng TMCP vaø cho thaáy tieàm naêng phaùt trieån cuûa Ngaân haøng

Nam AÙ trong nhöõng naêm tôùi laø raát lôùn.


Toång quan tình hình taøi chính naêm 2007

CAÙC KHOAÛN MUÏC CHÍNHSoá lieäu (Tyû ñoàng) Tyû leä taêng/giaûm (%)

Naêm 2005 Naêm 2006 Naêm 2007 2007 so vôùi 2005 2007 so vôùi 2006

Huy ñoäng thò tröôøng I 1.185,20 1.894,75 2.811,55 137,22% 48,39%

Huy ñoäng thò tröôøng II 206,53 1.262,88 1.672,11 709,62% 32,40%

Dö nôï tín duïng 1.248,83 2.047,54 2.698,70 116,10% 31,80%

Toång taøi saûn 1.605,24 3.884,44 5.249,95 227,05% 35,15%

Voán ñieàu leä 150,00 550,00 575,92 283,95% 4,71%

Keát quaû kinh doanh

Lôïi nhuaän tröôùc thueá 29,12 53,96 107,36 268,68% 98,96%

Lôïi nhuaän sau thueá 20,97 39,14 75,18 258,51% 92,07%

Caùc chæ tieâu taøi chính

ROA (%) 2,11% 2,38% 2,40% 0,29% 0,02%

ROE (%) 23,70% 12,11% 18,28% -5,42% 6,17%

Tyû leä coå töùc (%) 12,30% 11,12% 10,15% -2,15% -0,97%

Tyû leä an toaøn voán (%) 17,17% 32,63% 21,07% 3,90% -11,56%

Naêm 2007 laø naêm thò tröôøng taøi chính - tieàn teä ñaõ coù böôùc phaùt trieån tích cöïc, thu huùt voán nhieàu hôn ñeå phuïc vuï cho nhu caàu ñaàu tö phaùt trieån kinh teá. Ñeå naâng cao söùc caïnh tranh trong xu theá hoäi nhaäp quoác teá, caùc Ngaân haøng thöông maïi trong nöôùc ñaõ boå sung theâm voán, ñoåi môùi coâng ngheä, môû roäng quy moâ, qua ñoù xaây döïng moät moâi tröôøng caïnh tranh hieäu quaû, taïo söï chuû ñoäng trong hoaït ñoäng kinh doanh. Trong boái caûnh ñoù, Ngaân haøng Nam AÙ ñaõ töøng böôùc khaúng ñònh ñöôïc vò trí cuûa mình trong heä thoáng Ngaân haøng TMCP vaø ñaõ ñaït ñöôïc nhöõng keát quaû khaû quan trong naêm 2007.

Toång taøi saûn cuûa Ngaân haøng Nam AÙ tính ñeán 31/12/2007 ñaït 5.249,95 tyû ñoàng, taêng 35,15% so vôùi cuoái naêm 2006, thöïc hieän ñöôïc 70,39% so vôùi keá hoaïch, ñieàu naøy cho thaáy quy moâ hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ ñöôïc môû roäng.

Nhaèm taêng cöôøng naêng löïc taøi chính, khaû naêng caïnh tranh, ñaàu tö ñoåi môùi coâng ngheä, môû roäng maïng löôùi hoaït ñoäng, Ngaân haøng Nam AÙ ñaõ ñeà ra chæ tieâu keá hoaïch veà voán ñieàu leä ñeán cuoái naêm 2007 laø 1.350 tyû ñoàng. Ñeán cuoái naêm 2007, voán ñieàu leä cuûa Ngaân haøng Nam AÙ laø 575,92 tyû ñoàng vaø trong Quyù I/2008 Ngaân haøng tieáp tuïc phaùt haønh coå phieáu ñeå taêng voán ñieàu leä leân 1.252,83 tyû ñoàng, ñaït 92,08% so vôùi keá hoaïch naêm 2007.



“An toaøn, phaùt trieån, hieäu quaû vaø beàn vöõng”Phöông chaâm haønh ñoäng cuûa Ngaân haøng Nam AÙ laø


“An toaøn, phaùt trieån, hieäu quaû vaø beàn vöõng”


Vôùi heä thoáng maïng löôùi hoaït ñoäng ngaøy caøng môû roäng, laõi suaát huy ñoäng ñöôïc ñieàu chænh hôïp lyù, kòp thôøi vaø phong caùch phuïc vuï khaùch haøng cuûa nhaân vieân ngaøy caøng toát hôn ñaõ goùp phaàn taêng khaû naêng huy ñoäng voán cuûa Ngaân haøng Nam AÙ. Ñeán cuoái naêm 2007, toång nguoàn voán huy ñoäng cuûa Ngaân haøng Nam AÙ ñaït 4.483,65 tyû ñoàng, taêng 41,99% so vôùi ñaàu naêm, trong ñoù:

- Voán huy ñoäng treân thò tröôøng 1 (daân cö vaø TCKT) ñaït 2.811,55 tyû ñoàng, taêng 48,39% so vôùi ñaàu naêm, chieám tyû troïng 62,71% treân toång voán huy ñoäng. Möùc taêng tröôûng voán huy ñoäng thò tröôøng 1 ñaõ taïo cô sôû ñeå Ngaân haøng Nam AÙ phaùt trieån hoaït ñoäng tín duïng vaø caùc hoaït ñoäng kinh doanh khaùc.

- Voán huy ñoäng treân thò tröôøng 2 ñaït 1.672,11 tyû ñoàng, taêng 32,40% so vôùi ñaàu naêm, ñaït 122,34% so vôùi keá hoaïch. Voán huy ñoäng treân thò tröôøng 2 cuûa Ngaân haøng taêng lieân tuïc trong giai ñoaïn 2003-2007, cho thaáy Ngaân haøng Nam AÙ ñaõ môû roäng moái quan heä vôùi caùc ngaân haøng baïn nhaèm taïo ñieàu kieän thuaän lôïi trong vieäc giao dòch thanh toaùn, vaø cuõng daàn khaúng ñònh ñöôïc uy tín cuûa Ngaân haøng Nam AÙ treân thò tröôøng lieân ngaân haøng.

Cô caáu huy ñoäng theo kyø haïn: Ngaân haøng Nam AÙ huy ñoäng voán baèng vieäc ña daïng caùc loaïi kyø haïn (töø khoâng kyø haïn, 1 thaùng ñeán 36 thaùng). Thôøi haïn ngaén töø 12 thaùng trôû xuoáng chieám tyû troïng 81,94%, trung haïn chieám 18,06% trong toång huy ñoäng. Cô caáu kyø haïn huy ñoäng voán ñöôïc Ngaân haøng Nam AÙ ñieàu chænh phuø hôïp theo keá hoaïch söû duïng voán.

Cô caáu huy ñoäng theo loaïi tieàn: Ngaân haøng Nam AÙ huy ñoäng voán vôùi caùc loaïi tieàn khaùc nhau nhö: VND, vaøng vaø ngoaïi teä, trong ñoù tieàn göûi VND chieám tyû troïng cao, vaøng vaø ngoaïi teä chieám tyû troïng thaáp hôn. Ngaân haøng Nam AÙ ñaõ chuû ñoäng ñieàu chænh cô caáu voán huy ñoäng theo loaïi tieàn teä, qua coâng cuï laõi suaát, tyû giaù nhaèm ñaùp öùng nhu caàu vaø muïc tieâu kinh doanh ñaït hieäu quaû.

Taêng tröôûng huy ñoäng giai ñoaïn 2003-2007 Cô caáu huy ñoäng theo loaïi tieàn

Cô caáu huy ñoäng theo kyø haïn

Chæ tieâu (tính ñeán 31/12/2007) Soá dö (Tyû ñoàng) (%) Taêng so vôùi ñaàu naêm

Toång huy ñoäng 4.483,65 41,99%

Trong ñoù:

Tieàn göûi caù nhaân & TCKT 2.811,55 48,39%

Tieàn göûi cuûa caùc TCTD khaùc 1.672,11 32,40%

Hoa

ït ñoän

g hu

y ño

äng v

oán

2003

Huy ñoäng voán töø caùc TCTD

658

62948

61

1.185

1.895

2.812

207

1.263

1.672

2004 2005 2006 2007

Huy ñoäng voán töø daân cö, TCKT

ÑVT: tyû ñoàng

VNÑ

Ngaén haïnTrung haïn

USDVaøng

4,83%4,28%

90,90%

18,06%

81,94%


Toång söû duïng voán kinh doanh cuûa Ngaân haøng Nam AÙ tính ñeán cuoái naêm 2007 ñaït 4.875,19 tyû ñoàng, taêng 35,87% so vôùi ñaàu naêm. Trong ñoù, ñaàu tö tín duïng cuûa Ngaân haøng Nam AÙ ñaït 2.698,70 tyû ñoàng, taêng 31,80% so vôùi ñaàu naêm.

Maëc duø, dö nôï tín duïng cuûa Ngaân haøng Nam AÙ coù söï gia taêng trong naêm 2007 vaø vieäc aùp duïng caùc quy ñònh cuûa Ngaân haøng Nhaø nöôùc veà phaân loaïi nôï chaët cheõ hôn, nhöng Ngaân haøng Nam AÙ vaãn khoáng cheá tyû leä nôï xaáu ôû möùc an toaøn 1,64%, thaáp hôn chæ tieâu Ñaïi hoäi ñoàng coå ñoâng ñeà ra (2%) vaø ñaõ thöïc hieän trích laäp döï phoøng ruûi ro tín duïng tính ñeán 31/12/2007 laø 8,06 tyû ñoàng.

Ñaàu tö tín duïng chieám tyû troïng chuû yeáu trong hoaït ñoäng söû duïng voán cuûa Ngaân haøng Nam AÙ. Tuy nhieân, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ daàn quan taâm ñeán hoaït ñoäng ñaàu tö chöùng töø coù giaù, cuï theå tính ñeán cuoái naêm khoaûn ñaàu tö naøy ñaït 306,79 tyû ñoàng, taêng 179,38% so vôùi ñaàu naêm. Ñaây laø khoaûn ñaàu tö mang laïi lôïi nhuaän töông ñoái cao cho hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ.

Chæ tieâu (tính ñeán 31/12/2007) Soá dö (Tyû ñoàng) (%) Taêng so vôùi ñaàu naêm

Toång söû duïng voán kinh doanh 4.865,19 36,20%

Trong ñoù: Ñaàu tö tín duïng 2.698,70 31,80%

Ñaàu tö chöùng töø coù giaù 306,79 179,38%

Tieàn göûi taïi caùc TCTD 1.521,45 33,60%

Voán thanh khoaûn 338,25 22,55%

Taêng tröôûng ñaàu tö giai ñoaïn 2003-2007

Hoaït ñoäng söû duïng voán

2003

Voán thanh khoaûn

Tieàn göœi taïi caùc TCTD

6089

11253 794

62186

64 12497992

100

2048110

1139

276

2699

1521

307

338

2004 2005 2006 2007

Ñaàu tö chöùng töø coù giaù

Ñaàu tö tín duïng

ÑVT: tyû ñoàng


Tính ñeán 31/12/2007, dö nôï cho vay trung vaø daøi haïn cuûa Ngaân haøng Nam AÙ laø 1.027,56 tyû ñoàng, taêng 92,76% so vôùi naêm 2006, chieám 38,08% trong toång dö nôï. Ñieàu naøy cho thaáy Ngaân haøng Nam AÙ ñaõ môû roäng cho vay trung, daøi haïn phuø hôïp vôùi chuû tröông taêng cöôøng cho vay ñaàu tö phaùt trieån saûn xuaát vaø ñaàu tö phaùt trieån haï taàng kyõ thuaät.

Dö nôï cho vay chuû yeáu cuûa Ngaân haøng Nam AÙ laø cho vay VND, chieám tyû troïng 91,10% trong toång dö nôï, cho vay USD chieám tyû troïng 6,49% vaø cho vay vaøng chieám 2,41%.

Hoaït ñoäng thanh toaùn quoác teá: Doanh soá xuaát nhaäp khaåu cuûa Ngaân haøng Nam AÙ naêm 2007 ñaït 67,61 trieäu USD, taêng 73,64% so vôùi keát quaû thöïc hieän naêm 2006. Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ môû roäng nghieäp vuï thanh toaùn quoác teá taïi moät soá ñôn vò trong heä thoáng, maïng löôùi Ngaân haøng ñaïi lyù ñöôïc gia taêng, ñoàng thôøi Ngaân haøng Nam AÙ ñaõ caäp nhaät toát vaø kòp thôøi caùc quy ñònh môùi veà hoaït ñoäng thanh toaùn quoác teá nhö UCP 600, IBSP 2007.

Hoaït ñoäng nguoàn voán:Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ caân ñoái toái öu nguoàn voán, ñaûm baûo toát thanh khoaûn cho hoaït ñoäng kinh doanh, thöïc hieän ñuùng quy ñònh veà vieäc ñaûm baûo khaû naêng chi traû trong toaøn heä thoáng. Hoaït ñoäng treân thò tröôøng lieân ngaân haøng trong naêm 2007 coù söï phaùt trieån ñaùng keå, Ngaân haøng Nam AÙ ñaõ môû roäng moái quan heä vôùi caùc Toå chöùc tín duïng khaùc,

Ngoaøi ra, Ngaân haøng Nam AÙ luoân ñaûm baûo thöïc hieän ñuùng caùc quy ñònh veà an toaøn trong hoaït ñoäng kinh doanh theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc. Tyû leä an toaøn voán toái thieåu, tyû leä khaû naêng chi traû, traïng thaùi ngoaïi teä döông so vôùi töï coù, tyû leä söû duïng voán cho vieäc ñaàu tö taøi saûn coá ñònh luoân ñöôïc ñaûm baûo.

Toùm laïi, naêm 2007, Ngaân haøng Nam AÙ tieáp tuïc phaùt trieån oån ñònh vaø beàn vöõng, caùc chæ tieâu kinh doanh ñeàu taêng tröôûng so vôùi naêm tröôùc, vaø cô baûn Ngaân haøng Nam AÙ ñaõ hoaøn thaønh nhöõng nhieäm vuï lôùn do Ñaïi hoäi ñoàng coå ñoâng laàn thöù 15 ñeà ra.

Lôïi nhuaän tröôùc thueá giai ñoaïn 2003-2007

Cô caáu tín duïng theo thaønh phaàn kinh teá

Cô caáu dö nôïtín duïng theo kyø haïn

Cô caáu dö nôïtín duïng theo loaïi tieàn

Cô

caáu

tín d

uïng

naêm

200

7

ñoàng thôøi caùc toå chöùc naøy cuõng ñaõ taêng haïn möùc cho Ngaân haøng Nam AÙ.

Lôïi nhuaän tröôùc thueáNaêm 2007, lôïi nhuaän tröôùc thueá cuûa Ngaân haøng Nam AÙ tieáp tuïc taêng tröôûng cao, ñaït möùc 107,36 tyû ñoàng, taêng 98,96% so vôùi keát quaû kinh doanh naêm 2006. Keát quaû naøy coù söï ñoùng goùp cuûa taát caû caùc lónh vöïc hoaït ñoäng ngaân haøng, trong ñoù tyû leä thu dòch vuï ngoaøi cho vay chieám tyû troïng 30,42% trong toång thu nhaäp, cao hôn 9,13% tyû troïng thu dòch vuï ngoaøi cho vay cuûa naêm 2006 vaø vöôït 5,42% so vôùi keá hoaïch ñeà ra (25%).

Coâng ty TNHH

Doanh nghieäp coù voán ñaàu tö nöôùc ngoaøi

Doanh nghieäp tö nhaân

Kinh teá nhaø nöôùc

Kinh teá caù theå

Vaøng

USD

VNÑ

Trung, daøi haïn

Ngaén haïn

55.73% 61.92% 91.10%

38.08%

0.77% 2.41%6.49%

36.26%

7.20%

0.04%

107.36

ÑVT: tyû ñoàng

53.96

29.12

20.44

14.75

2003 2004 2005 2006 2007


Phaùt trieån maïng löôùi

Vieäc môû roäng maïng löôùi chi nhaùnh trong naêm 2007 ñaõ taïo ñieàu kieän cho Ngaân haøng Nam AÙ taêng quy moâ khaùch haøng, môû roäng hoaït ñoäng kinh doanh, taêng cöôøng ñöa caùc saûn phaåm Ngaân haøng ñeán ñoâng ñaûo caùc taàng lôùp daân cö hôn. Naêm 2007, Ngaân Nam AÙ ñaõ môû roäng theâm 01 Chi nhaùnh vaø 13 Phoøng giao dòch, naâng toång soá ñieåm giao dòch cuûa Ngaân haøng Nam AÙ leân 45 ñieåm giao dòch vaøo cuoái naêm 2007.Trong ñoù: + Hoäi sôû: 01 Hoäi sôû + Soá löôïng chi nhaùnh: 15 Chi nhaùnh + Soá phoøng giao dòch: 29 Phoøng giao dòch

Phaùt trieånnguoàn nhaân löïc

Ñeå ñaùp öùng yeâu caàu veà nhaân löïc phuïc vuï cho vieäc môû roäng quy moâ hoaït ñoäng cuõng nhö thöïc hieän loä trình phaùt trieån ñeán naêm 2010, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ tuyeån duïng theâm 294 caùn boä nhaân vieân. Nhö vaäy, tính ñeán 31/12/2007, toång soá caùn boä nhaân vieân toaøn heä thoáng Ngaân haøng laø 798 ngöôøi. Tröôùc tình hình giaù caû taêng cao, Ngaân haøng Nam AÙ ñaõ kòp thôøi ñieàu chænh taêng thu nhaäp cho taát caû caùn boä nhaân vieân ñeå ñaûm baûo ñôøi soáng vaät chaát cho caùn boä nhaân vieân.

Ngoaøi ra, Ngaân haøng Nam AÙ coøn raát quan taâm ñeán coâng taùc ñaøo taïo nhaèm naâng cao trình ñoä nghieäp vuï cho caùn boä nhaân vieân. Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ toå chöùc caùc khoùa ñaøo taïo ngaén haïn cuõng nhö cöû caùn boä tham gia caùc khoùa ñaøo taïo nghieäp vuï taïi tröôøng Ñaïi hoïc Ngaân haøng, tham gia caùc buoåi hoäi thaûo, taäp huaán do NHNN, Hieäp hoäi Ngaân haøng Vieät Nam toå chöùc.

Hieän ñaïi hoùacoâng ngheä Ngaân haøng

Hoaït ñoäng Marketing

Trong xu theá hoäi nhaäp kinh teá quoác teá, coâng ngheä thoâng tin hieän ñaïi vaø caùc chöông trình öùng duïng ñaùp öùng nhu caàu quaûn lyù, toång hôïp, phaân tích döõ lieäu, giao dòch khaùch haøng seõ taïo ñieàu kieän cho hoaït ñoäng cuûa ngaân haøng ngaøy caøng hieäu quaû. Nhaän thaáy vai troø quan troïng cuûa coâng ngheä thoâng tin, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ thöïc hieän hieän ñaïi hoùa coâng ngheä phuïc vuï cho hoaït ñoäng kinh doanh vôùi nhöõng keát quaû ñaït ñöôïc nhö sau:

- Hoaøn taát vieäc nhaän chuyeån giao chöông trình loõi phaàn meàm Tifa töø TransInfotech vaø trieån khai söû duïng chöông trình Tifa trong toaøn Ngaân haøng. Beân caïnh ñoù, tieáp tuïc xaây döïng vaø phaùt trieån theâm caùc chöùc naêng quaûn lyù phuø hôïp vôùi nhu caàu phaùt trieån cuûa Ngaân haøng.

- Hieän ñaïi hoùa corebanking vôùi muïc tieâu hoaït ñoäng kinh doanh an toaøn vaø ñem laïi tieän ích cho khaùch haøng.

- Keát noái maïng heä thoáng (maïng WAN) trong toaøn Ngaân haøng nhaèm ñaùp öùng tieâu chuaån coâng ngheä thoâng tin veà thanh toaùn tröïc tuyeán vaø taäp trung döõ lieäu.

- Hoaøn taát thöû nghieäm chöông trình quaûn lyù vôùi Tifa taïi Hoäi sôû.

Vôùi muïc tieâu khoâng ngöøng phaùt trieån kinh doanh, gia taêng lôïi nhuaän moät caùch hieäu quaû vaø ñaûm baûo an toaøn trong heä thoáng, Ngaân haøng Nam AÙ ñaõ taäp trung naâng cao vaø hoaøn thieän heä thoáng kieåm tra, kieåm soaùt noäi boä. Chính nhôø söï kieåm tra, kieåm soaùt naøy ñaõ taïo ñieàu kieän cho hoaït ñoäng Ngaân haøng dieãn ra raát an toaøn.

Hoaït ñoäng Marketing coù vai troø quan troïng trong hoaït ñoäng kinh doanh cuûa ngaân haøng. Vì theá, trong naêm 2007 Ngaân haøng Nam AÙ tieáp tuïc xaây döïng caùc chöông trình vaø töøng böôùc phaùt trieån thöông hieäu Ngaân haøng Nam AÙ.

Naêm 2007 laø naêm Ngaân haøng Nam AÙ toå chöùc nhieàu söï kieän lôùn nhö: Ñaïi hoäi ñoàng coå ñoâng thöôøng nieân laàn thöù 15; Ñaïi hoäi coå ñoâng nhieäm kyø V; Leã kyù keát thoûa thuaän hôïp taùc ñoàng haønh giöõa Ngaân haøng Nam AÙ vôùi BIDV; Leã kyû nieäm 15 naêm thaønh laäp Ngaân haøng Nam AÙ. Qua caùc söï kieän lôùn naøy, thöông hieäu cuûa Ngaân haøng Nam AÙ ñaõ ñöôïc quaûng baù roäng raõi.

Ngoaøi ra, naêm 2007 Ngaân haøng Nam AÙ tieáp tuïc thöïc hieän caùc hoaït ñoäng coäng ñoàng nhaèm ñöa hình aûnh Ngaân haøng Nam AÙ ñeán vôùi ñoâng ñaûo khaùch haøng nhö taøi trôï chöông trình “Ñi boä vì ngöôøi khuyeát taät ngheøo vaø hieán maùu nhaân ñaïo”; taøi trôï giaûi “Hole in One”; trao hoïc boång “Vì sinh vieân töông lai”; uûng hoä quyõ töø thieän.

Taêng cöôøng kieåm tra, kieåm soaùt hoaït ñoäng



Xaây döïng vaø phaùt trieån Ngaân haøng Nam AÙ nhaèm toái ña hoùa lôïi nhuaän, ñaûm baûo quyeàn lôïi coå ñoâng, ñaùp öùng ngaøy caøng toát hôn nhu caàu cuûa khaùch haøng, phaùt trieån ñoäi nguõ nhaân vieân chaát löôïng cao nhaèm khoâng ngöøng naâng cao naêng löïc caïnh tranh cuûa Ngaân haøng. Töøng böôùc ñöa Ngaân haøng Nam AÙ trôû thaønh ngaân haøng maïnh vôùi ñoäi nguõ caùn boä nhaân vieân chuyeân nghieäp vaø coâng ngheä ngaân haøng hieän ñaïi, höôùng ñeán moät ngaân haøng ña naêng vôùi toác ñoä phaùt trieån nhanh, beàn vöõng, an toaøn vaø hieäu quaû.

Caùc chæ tieâu taøi chính: - Voán ñieàu leä ñeán cuoái naêm laø 2.000 tyû ñoàng.- Toång taøi saûn: 10.350 tyû ñoàng.- Toång huy ñoäng: 8.000 tyû ñoàng. Trong ñoù: Thò tröôøng 1: 5.900 tyû ñoàng. Thò tröôøng 2: 2.100 tyû ñoàng. Toång dö nôï: 5.000 tyû ñoàng. Lôïi nhuaän sau thueá: 210 tyû ñoàng.

Caùc chæ tieâu veà hoaït ñoäng ñaàu tö taøi chính:- Ñaàu tö goùp voán thaønh laäp Coâng ty ñaàu tö - kinh doanh baát ñoäng saûn vaø Coâng ty baûo hieåm: 60 tyû ñoàng- Goùp voán mua coå phaàn, ñaàu tö taøi chính: 300 tyû ñoàng.- Ñaàu tö vaø kinh doanh chöùng khoaùn: 200 tyû ñoàng. - Ñaàu tö vaø kinh doanh caùc lónh vöïc khaùc: 400 tyû ñoàng.

Chæ tieâu keá hoaïch phaùt trieån maïng löôùi : - Soá löôïng chi nhaùnh thaønh laäp môùi laø: 7 Chi nhaùnh, goàm caùc chi nhaùnh sau: Haûi Phoøng, Caàn Thô, Vuõng Taøu, Bieân Hoøa, Bình Döông, Phan Thieát, Ñaø Laït.- Soá löôïng phoøng giao dòch thaønh laäp môùi laø: 22 Phoøng Giao dòch.

Ñaàu tö xaây döïng cô baûn vaø mua saém taøi saûn coá ñònh: - Tieán haønh xaây döïng Hoäi sôû môùi taïi ñòa ñieåm 201-203 Caùch Maïng Thaùng 8, Quaän 3, TP. HCM.- Ñaàu tö xaây döïng cho caùc Chi nhaùnh taïi caùc thaønh phoá lôùn nhö Haø Noäi, Haûi Phoøng, Nha Trang, Bình Phöôùc, Caàn Thô vaø moät soá nôi khaùc.- Söûa chöõa, mua saém trang thieát bò cho vieäc thaønh laäp caùc Coâng ty, Chi nhaùnh vaø Phoøng Giao dòch môùi. - Ñaàu tö hieän ñaïi hoùa coâng ngheä thoâng tin vaø ñaàu tö cho hoaït ñoäng kinh doanh theû.

Chæ tieâu nguoàn nhaân löïc, toång quyõ löông:- Chæ tieâu nhaân söï ñeán cuoái naêm 2008 laø 1.305 ngöôøi.- Toång quyõ löông trong naêm 2008 taêng 86,48% so vôùi thöïc chi naêm 2007.

Naâng cao naêng löïc taøi chính:- Tieáp tuïc boå sung voán ñieàu leä ñeán cuoái naêm 2008 ñaït 2.000 tyû ñoàng döôùi hình thöùc phaùt haønh coå phieáu môùi ñeå

taêng voán.- Luoân ñaûm baûo tyû leä an toaøn voán toái thieåu lôùn hôn 8%.- Ñaûm baûo tyû leä nôï xaáu döôùi 1,8%, nhanh choùng xöû lyù caùc khoaûn nôï xaáu, nhaän daïng nhöõng khoaûn nôï coù daáu hieäu

xaáu ñeå coù nhöõng giaûi phaùp xöû lyù hôïp lyù vaø kòp thôøi.- Nghieân cöùu ñeà ra phöông aùn phaùt haønh traùi phieáu nhaèm naâng cao naêng löïc taøi chính, taêng tính thanh khoaûn vaø

naâng cao hieäu quaû hoaït ñoäng kinh doanh.- Tìm kieám cô hoäi hôïp taùc vôùi caùc ñoái taùc chieán löôïc trong vaø ngoaøi nöôùc nhaèm taïo ñieàu kieän cho Ngaân haøng Nam AÙ

hoaït ñoäng maïnh hôn, goùp phaàn naâng cao thöông hieäu vaø naêng löïc hoaït ñoäng cho nhöõng naêm sau.

Ñieàu chænh cô caáu toå chöùc:Nhaèm ñaûm baûo thöïc hieän keá hoaïch hoaït ñoäng kinh doanh naêm 2008, Ngaân haøng Nam AÙ seõ tieán haønh ñieàu chænh cô caáu toå chöùc taïi Hoäi sôû nhaèm xaây döïng heä thoáng toå chöùc coù ñaày ñuû caùc boä phaän tham möu, giuùp Ban ñieàu haønh thöïc hieän moïi hoaït ñoäng kinh doanh theo keá hoaïch ñaõ ñeà ra vôùi caùc thay ñoåi caàn thöïc hieän nhö sau:- Quaûn lyù taäp trung: ñoái vôùi caùc chi nhaùnh vaø coâng ty tröïc thuoäc, thanh toaùn vaø kieåm toaùn noäi boä.- Taùch bieät vaø chuyeân bieät hoùa caùc chöùc naêng: quaûn lyù ruûi ro vaø quaûn lyù kinh doanh, quaûn trò haønh chaùnh vaø quaûn

lyù nhaân söï.- Cuûng coá vaø phaùt trieån maïnh caùc maûng hoaït ñoäng: marketing, ngaân quyõ, thu hoài nôï, quaûn trò nhaân söï.- Ña daïng hoùa keânh phaân phoái baùn leû, dòch vuï ngaân haøng hieän ñaïi.

Keá hoaïch kinh doanhnaêm 2008

Chöông trình haønh ñoäng



Ñoái vôùi phaùt trieån nguoàn nhaân löïc:Nguoàn nhaân löïc luoân ñöôïc xem laø taøi saûn quyù baùu nhaát ñoái vôùi ngaân haøng, laø nhaân toá goùp phaàn vaøo söï thaønh coâng vaø phaùt trieån beàn vöõng cuûa Ngaân haøng Nam AÙ. Do ñoù, coâng taùc keá hoaïch phaùt trieån nguoàn nhaân löïc naêm 2008 ñöôïc theå hieän ôû caùc noäi dung sau:- Xaây döïng quy trình tuyeån duïng ñeå ñaûm baûo yeâu caàu veà chaát löôïng cho caùn boä coâng nhaân vieân tuyeån môùi trong

naêm 2008.- Xaây döïng höôùng daãn vaø loä trình phaùt trieån söï nghieäp caù nhaân, taïo moâi tröôøng vaø ñieàu kieän laøm vieäc toát nhaát ñeå nhaân

vieân phaùt huy toái ña hieäu quaû laøm vieäc.- Xaây döïng baûng moâ taû coâng vieäc cho töøng chöùc danh cuï theå trong heä thoáng.- Ñaåy maïnh coâng taùc ñaøo taïo caùn boä coâng nhaân vieân phoái hôïp vôùi caùc ñôn vò ñaøo taïo chuyeân nghieäp beân ngoaøi nhaèm

naâng cao trình ñoä chuyeân moân nghieäp vuï vaø naêng löïc quaûn lyù, ñieàu haønh cuûa caùn boä caùc caáp.- Thöïc hieän coâng taùc thi ñua - khen thöôûng tích cöïc, ñoäng vieân caùn boä nhaân vieân laøm vieäc vôùi traùch nhieäm cao vaø

ñöôïc khen thöôûng chính ñaùng, kòp thôøi.

Quaûn lyù heä thoáng:Ngaân haøng Nam AÙ tieán haønh xaây döïng quy ñònh veà phaân coâng, phaân caáp quaûn lyù ñieàu haønh minh baïch trong moïi hoaït ñoäng cuûa ngaân haøng, song song vôùi cô cheá kieåm soaùt, quaûn lyù ñöôïc ruûi ro. Vieäc phaân coâng cuï theå xaùc ñònh ñöôïc quyeàn haïn vaø traùch nhieäm caù nhaân, ñoàng thôøi phaùt huy tính saùng taïo trong coâng vieäc.

Ñeå cô caáu toå chöùc ñieàu chænh nhö treân vaän haønh vaø hoaït ñoäng hieäu quaû, Ngaân haøng Nam AÙ seõ tieán haønh raø soaùt, ñieàu chænh vaø ban haønh caùc quy cheá, quy trình phuø hôïp theo yeâu caàu tình hình thöïc teá. Ñaëc bieät chuù troïng ñeán caùc quy cheá, quy trình veà saûn phaåm môùi, caùc quy ñònh veà ñaûm baûo an toaøn ñoái vôùi hoaït ñoäng tín duïng, ñaàu tö, kinh doanh theo quy ñònh Ngaân haøng nhaø nöôùc.

Coâng taùc coâng ngheä thoâng tin:Vôùi muïc tieâu baûo ñaûm quaûn lyù, ñieàu haønh online tröïc tuyeán trong toaøn heä thoáng Ngaân haøng Nam AÙ vaø keát noái giao dòch ñöôïc vôùi taát caû heä thoáng trong noäi boä ngaønh ngaân haøng phuø hôïp vôùi yeâu caàu phaùt trieån vaø hoäi nhaäp, Ngaân haøng Nam AÙ seõ chuû ñoäng xaây döïng keá hoaïch ñaàu tö vaø phaùt trieån coâng ngheä thoâng tin töø nay ñeán naêm 2012, töø ñoù thaønh laäp döï aùn ñaàu tö phaùt trieån coâng ngheä thoâng tin trong töøng giai ñoaïn ñeå coù cô sôû thöïc hieän ñoàng boä, vöõng chaéc vaø hieäu quaû.

Veà phaùt trieån maïng löôùi:Nhaèm naâng cao naêng löïc hoaït ñoäng vaø môû roäng thò phaàn, trong naêm 2008 Ngaân haøng Nam AÙ seõ phaùt trieån maïnh meõ maïng löôùi hoaït ñoäng, töøng böôùc höôùng ñeán muïc tieâu ñöa thöông hieäu Ngaân haøng Nam AÙ coù maët taïi caùc khu vöïc kinh teá troïng ñieåm cuûa caû nöôùc.

Ñaàu tö xaây döïng cô sôû vaät chaát, trang thieát bò:Ñeå naâng cao naêng löïc hoaït ñoäng kinh doanh, xaây döïng cô sôû vaät chaát cuûa Ngaân haøng Nam AÙ ngaøy caøng khang trang vaø hieän ñaïi, trong naêm 2008 Ngaân haøng Nam AÙ seõ trieån khai maïnh meõ caùc döï aùn ñaàu tö xaây döïng cô sôû vaät chaát, trang thieát bò cho toaøn heä thoáng.

Toång soá voán ñaàu tö taøi saûn coá ñònh luõy keá ñeán cuoái naêm 2008 cuûa Ngaân haøng Nam AÙ khoâng vöôït quaù 50% treân voán töï coù, ñaûm baûo tuaân thuû theo ñuùng quy ñònh cuûa Luaät caùc Toå chöùc Tín duïng.

Hoaït ñoäng Marketing: Trong giai ñoaïn hieän nay, hoaït ñoäng Marketing laø hoaït ñoäng thöôøng xuyeân coù aûnh höôûng ñeán hoaït ñoäng kinh doanh cuûa ngaân haøng. Marketing ñöôïc xem nhö coâng cuï ñeå hoã trôï ngaân haøng trong vieäc thöïc hieän toát caùc chæ tieâu kinh doanh. Do ñoù, trong naêm 2008 Ngaân haøng Nam AÙ seõ taäp trung xaây döïng keá hoaïch phaùt trieån Marketing phuø hôïp vôùi tình hình thöïc teá, nhaèm thöïc hieän chính saùch khaùch haøng vaø quaûng baù hình aûnh cuûa Ngaân haøng Nam AÙ treân thò tröôøng taøi chính.

Coâng taùc kieåm tra, kieåm soaùt noäi boä:- Khoâng ngöøng taêng cöôøng coâng taùc kieåm tra kieåm soaùt ñoái vôùi moïi hoaït ñoäng cuûa Ngaân haøng Nam AÙ, moïi ruûi ro quan troïng luoân ñöôïc nhaän daïng, ño löôøng, kieåm tra, kieåm soaùt moät caùch lieân tuïc.- Taùch bieät chöùc naêng quaûn lyù ruûi ro vaø quaûn lyù kinh doanh. - Tieán haønh saép xeáp, boá trí heä thoáng kieåm tra, kieåm soaùt noäi boä töông öùng, phuø hôïp vôùi cô caáu toå chöùc quaûn lyù theo

chöùc naêng vôùi muïc tieâu quaûn lyù ruûi ro ngaøy caøng chaët cheõ, kòp thôøi vaø hieäu quaû.


Baùo caùo taøi chính 2007



Baûng caân ñoái keá toaùn hôïp nhaát ngaøy 31 thaùng 12 naêm 2007

Taøi saûn Thuyeát minh Soá cuoái naêm Soá ñaàu naêmI. Tieàn maët, vaøng baïc, ñaù quyù V.1 225.123.364.969 226.583.581.225 II. Tieàn göûi taïi Ngaân haøng Nhaø nöôùc V.2 113.135.835.339 49.421.723.815

III. Tieàn, vaøng göûi taïi caùc TCTD khaùc vaø cho vay caùc TCTD khaùc V.3 1.521.453.321.652 1.138.799.665.119

1 Tieàn, vaøng göûi taïi caùc TCTD khaùc 1.521.453.321.652 1.138.799.665.119 2 Cho vay caùc toå chöùc tín duïng khaùc - - 3 Döï phoøng ruûi ro cho vay caùc TCTD khaùc - - IV. Chöùng khoaùn kinh doanh V.4 197.000.000.000 - 1 Chöùng khoaùn kinh doanh 197.000.000.000 - 2 Döï phoøng giaûm giaù chöùng khoaùn kinh doanh - - V. Coâng cuï taøi chính phaùi sinh vaø caùc taøi saûn taøi chính khaùc - - VI. Cho vay khaùch haøng V.5 2.690.632.633.592 2.040.996.835.726 1 Cho vay khaùch haøng 2.698.695.346.080 2.047.540.759.227 2 Döï phoøng ruûi ro cho vay khaùch haøng (8.062.712.488) (6.543.923.501)VII. Chöùng khoaùn ñaàu tö V.6 109.790.133.438 109.806.944.450 1 Chöùng khoaùn ñaàu tö saün saøng ñeå baùn 32.550.111 31.861.119 2 Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn 109.757.583.327 109.775.083.331 3 Döï phoøng giaûm giaù chöùng khoaùn ñaàu tö - -

VIII. Goùp voán, ñaàu tö daøi haïn V.7 - 15.857.326.808 1 Ñaàu tö vaøo coâng ty con - - 2 Voán goùp lieân doanh - - 3 Ñaàu tö vaøo coâng ty lieân keát - - 4 Ñaàu tö daøi haïn khaùc - 15.857.326.808 5 Döï phoøng giaûm giaù ñaàu tö daøi haïn - - IX. Taøi saûn coá ñònh 78.321.418.096 61.436.067.752 1 Taøi saûn coá ñònh höõu hình V.8 34.235.307.842 25.809.748.654 a - Nguyeân giaù taøi saûn coá ñònh 53.948.434.132 39.847.967.700 b - Hao moøn taøi saûn coá ñònh (19.713.126.290) (14.038.219.046)2 Taøi saûn coá ñònh thueâ taøi chính - - a - Nguyeân giaù taøi saûn coá ñònh - - b - Hao moøn taøi saûn coá ñònh - - 3 Taøi saûn coá ñònh voâ hình V.9 44.086.110.254 35.626.319.098 a - Nguyeân giaù taøi saûn coá ñònh 44,850,925,516 36.020.492.762 b - Hao moøn taøi saûn coá ñònh (764.815.262) (394.173.664)X. Taøi saûn coù khaùc 304.932.502.397 241.580.605.907 1 Caùc khoaûn phaûi thu V.10 241.911.618.179 205.563.095.807 2 Caùc khoaûn laõi, phí phaûi thu V.11 50.606.984.607 27.936.101.519 3 Taøi saûn thueá TNDN hoaõn laïi - - 4 Taøi saûn coù khaùc V.12 12.413.899.611 8.081.408.581

- Trong ñoù: Lôïi theá thöông maïi - - 5 Caùc khoaûn döï phoøng ruûi ro cho caùc taøi saûn coù noäi baûng khaùc - - Toång coäng taøi saûn 5.240.389.209.483 3.884.482.750.802

Ñôn vi tính: VND


Chæ tieâu ngoaøi baûng caân ñoái keá toaùn hôïp nhaát

Nôï phaûi traû vaø nguoàn voán chuû sôû höõu Thuyeát minh Soá cuoái naêm Soá ñaàu naêmI. Caùc khoaûn nôï chính phuû vaø NHNN 11.000.000.000II. Tieàn göûi vaø vay caùc TCTD khaùc 1.640.000.000.000 1.227.240.423.8001 Tieàn göûi cuûa caùc TCTD khaùc V.13 1.640.000.000.000 1.081.896.500.0002 Vay caùc TCTD khaùc - 145.343.923.8003 Vay TCTD ôû nöôùc ngoaøi - - 4 Nhaän voán cho vay ñoàng taøi trôï - - III. Tieàn göûi cuûa khaùch haøng V.14 2.801.849.647.598 1.894.749.121.793IV. Coâng cuï taøi chính phaùi sinh vaø caùc khoaûn nôï taøi chính khaùc V. Voán taøi trôï uûy thaùc, ñaàu tö, cho vay TCTD chòu ruœi ro V.15 32.104.422.561 24.638.412.000VI. Phaùt haønh giaáy tôø coù giaù 200.000 200.000VII. Caùc khoaûn nôï khaùc 99.934.198.481 127.841.691.9441 Caùc khoaûn laõi, phí phaûi traû V.16 58.401.508.397 43.906.449.6972 Thueá TNDN hoaõn laïi phaûi traû - - 3 Caùc khoaûn phaûi traû vaø coâng nôï khaùc V.17 41.409.714.116 83.892.525.177

4 Döï phoøng ruûi ro khaùc (döï phoøng cho coâng nôï tieàm aånvaø cam keát ngoaïi baûng) 122.975.968 42.717.070

Coäng nôï phaûi traû 4.573.888.468.640 3.285.469.849.537VIII. Voán vaø caùc quyõ 666.500.740.843 599.012.901.265

1 Voán cuûa toå chöùc tín duïng 575.960.038.642 550.035.298.642a Voán ñieàu leä V.18 575.924.740.000 550.000.000.000b Voán ñaàu tö XDCB V.18 10.126.842 10.126.842c Thaëng dö voán coå phaàn - - d Coå phieáu quyõ - - e Coå phieáu öu ñaõi - - f Voán khaùc V.18 25.171.800 25.171.800

Cheânh leäch - - 2 Quyõ cuûa toå chöùc tín duïng V.18,19 15.434.662.614 9.837.419.2923 Cheânh leäch tyû giaù hoái ñoaùi - - 4 Cheânh leäch ñaùnh giaù laïi taøi saûn - - 5 Lôïi nhuaän chöa phaân phoái/Loã luõy keá V.18 75.106.039.587 39.140.183.331IX Lôïi ích cuûa coå ñoâng thieåu soá - -

Toång coäng nôï phaûi traû vaø nguoàn voán chuû sôû höõu 5.240.389.209.483 3.884.482.750.802

Chæ tieâu Soá cuoái naêm Soá ñaàu naêmI. Nghóa vuï nôï tieàm aån 67.159.953.663 30.951.514.3561 Baûo laõnh vay voán - - 2 Cam keát trong nghieäp vuï L/C 52.769.626.439 26.059.777.6733 Baûo laõnh khaùc 14.390.327.224 4.891.736.683II Caùc cam keát ñöa ra - - 1 Cam keát taøi trôï cho khaùch haøng - - 2 Cam keát khaùc - -

Ngöôøi laäp baûng Keá toaùn tröôûng Toång Giaùm ñoác

Nguyeãn Thuùy Hoàng Traàn Thò Baûo Traâm Tröông Minh Khai

TP. Hoà Chí Minh, ngaøy 31 thaùng 12 naêm 2007


Baùo caùo keát quaû hoaït ñoäng kinh doanh hôïp nhaát naêm 2007




Chæ tieâu Thuyeát minh Naêm nay Naêm tröôùc

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï VI.1 507.514.712.904 266.014.822.625

Chi phí laõi vaø caùc khoaûn chi phí töông töï VI.2 356.197.601.435 170.818.096.514

Thu nhaäp laõi thuaàn 151.317.111.469 95.196.726.111

Thu nhaäp töø hoaït ñoäng dòch vuï 6.835.529.165 6.417.832.420

Chi phí töø hoaït ñoäng dòch vuï 2.775.460.413 1.539.702.466

Laõi/loã thuaàn töø hoaït ñoäng dòch vuï VI.3 4.060.068.752 4.878.129.954

Laõi/loã thuaàn töø kinh doanh ngoaïi hoái VI.4 1.931.519.391 3.075.826.326

Laõi/loã thuaàn töø mua baùn chöùng khoaùn kinh doanh - -

Laõi/loã thuaàn töø mua baùn chöùng khoaùn ñaàu tö - -

Thu nhaäp töø hoaït ñoäng khaùc VI.5 17.785.942.164 3.596.331.172

Chi phí töø hoaït ñoäng khaùc 600.000 600.000

Laõi/loã thuaàn töø hoaït ñoäng khaùc 17.785.342.164 3.595.731.172

Thu nhaäp töø goùp voán, mua coå phaàn VI.6 22.700.000.000 6.390.000.000

Chi phí hoaït ñoäng VI.7 80.645.136.084 51.156.900.219

Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh tröôùc chi phí döï phoøng 117.148.905.692 61.979.513.344

Chi phí döï phoøng ruûi ro tín duïng 9.862.492.001 8.017.359.962

Toång lôïi nhuaän tröôùc thueá 107.286.413.691 53.962.153.382

Chi phí thueá thu nhaäp doanh nghieäp hieän haønh VIII.2 32.180.374.104 15.148.902.947

Chi phí thueá thu nhaäp doanh nghieäp hoaõn laïi - -

Chi phí thueá thu nhaäp doanh nghieäp 32.180.374.104 15.148.902.947

Lôïi nhuaän sau thueá 75.106.039.587 38.813.250.435

Lôïi ích cuûa coå ñoâng thieåu soá - -

Laõi cô baûn treân coå phieáu VI.8 1.315 2.588

Ñôn vi tính: VND


Baùo caùo löu chuyeån tieàn teä hôïp nhaát naêm 2007(theo phöông phaùp giaùn tieáp)

Chæ tieâu Naêm nay Naêm tröôùc

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG SAÛN XUAÁT, KINH DOANH

Lôïi nhuaän tröôùc thueá 107.286.413.691 53.962.153.382

Ñieàu chænh cho caùc khoaûn:

Khaáu hao taøi saûn coá ñònh, baát ñoäng saûn ñaàu tö 6.048.482.168 4.893.569.889

Döï phoøng ruûi ro tín duïng, giaûm giaù, ñaàu tö taêng theâm/(hoaøn nhaäp) trong naêm 9.159.706.281 7.511.060.549

Laõi vaø phí phaûi thu trong kyø/(thöïc teá chöa thu) (311.765.663.633) (146.751.645.309)

Laõi vaø phí phaûi traû trong kyø/(thöïc teá chöa traû) 220.033.442.083 131.560.828.644

(Laõi)/loã do thanh lyù taøi saûn coá ñònh (13.664.714.850) (5.400.000)

(Laõi)/loã do thanh lyù baát ñoäng saûn ñaàu tö - -

(Laõi)/loã do thanh lyù caùc khoaûn ñaàu tö/ goùp voán vaøo daøi haïn vaøo ñôn vò khaùc, laõi, coå töùc nhaän ñöôïc, lôïi nhuaän ñöôïc chia töø HÑ ñaàu tö, goùp voán daøi haïn (22.700.000.000) (14.697.966.194)

Cheânh leäch tyû giaù hoái ñoaùi chöa thöïc hieän - -

Caùc ñieàu chænh khaùc - (112.889.358)

Lôïi nhuaän kinh doanh tröôùc nhöõng thay ño åi veà taøi saûn vaø coâng nôï hoaït ñoäng (5.602.334.260) 36.359.711.603

Nhöõng thay ñoåi veà taøi saûn vaø coâng nôï hoaït ñoäng

Nhöõng thay ñoåi veà taøi saûn hoaït ñoäng

(Taêng)/Giaûm tieàn vaøng göûi vaø cho vay taïi caùc toå chöùc tín duïng khaùc (480.000.000.000) (100.000.000.000)

(Taêng)/Giaûm caùc khoaûn kinh doanh chöùng khoaùn (197.000.000.000) (40.076.445.000)

(Taêng)/Giaûm caùc coâng cuï taøi chính phaùi sinh vaø caùc taøi saûn taøi chính khaùc - -

(Taêng)/Giaûm cho vay ñoái vôùi khaùch haøng (651.154.586.853) (798.711.932.490)

(Taêng)/Giaûm laõi, phí phaûi thu 289.094.780.545 125.070.515.440

(Giaûm)/Taêng nguoàn döï phoøng ñeå buø ñaép toån thaát caùc khoaûn (7.560.658.396) (2.628.043.848)

(Taêng)/Giaûm khaùc veà taøi saûn hoaït ñoäng (40.681.013.402) (189.736.892.772)

Nhöõng thay ñoåi veà coâng nôï hoaït ñoäng

Taêng/(Giaûm) caùc khoaûn nôï chính phuû vaø Ngaân haøng Nhaø nöôùc (11.000.000.000) (8.000.000.000)

Taêng/(Giaûm) tieàn göûi vaø vay caùc toå chöùc tín duïng 412.759.576.200 1.058.520.423.800

Taêng/(Giaûm) tieàn göûi cuûa khaùch haøng (bao goàm caû Kho baïc Nhaø nöôùc) 907.100.525.805 709.554.585.034

Taêng/(Giaûm) caùc coâng cuï taøi chính phaùi sinh vaø caùc khoaûn nôï taøi chính khaùc - -

Taêng/(Giaûm) voán taøi trôï uûy thaùc, ñaàu tö, vaø cho vay maø TCTD chòu ruûi ro 7.466.010.561 5.828.912.000

Taêng/(Giaûm) phaùt haønh giaáy tôø coù giaù (ngoaïi tröø GTCG ñöôïc tính vaøo hoaït ñoäng taøi chính) - -

Taêng/(Giaûm) laõi, phí phaûi traû (205.538.383.383) (109.699.845.914)

Taêng/(Giaûm khaùc veà coâng nôï hoaït ñoäng (47.142.928.863) 64.283.346.943

Löu chuyeån tieàn thuaàn töø hoaït ñoäng kinh doanh tröôùc thueá thu nhaäp doanh nghieäp (29.259.012.046) 750.764.334.796

Thueá thu nhaäp doanh nghieäp ñaõ noäp (27.520.256.302) (10.426.844.602)

Chi töø caùc Quyõ cuûa TCTD (7.470.873.201) (4.126.015.924)

Löu chuyeån tieàn thuaàn töø hoaït ñoäng kinh doanh (64.250.141.549) 736.211.474.270


Löu chuyeån tieàn teä naêm 2007(tieáp theo)

Chæ tieâu Naêm nay Naêm tröôùc

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG ÑAÀU TÖ

1. Mua saém taøi saûn coá ñònh (27.067.917.662) (7.438.699.950)

2. Tieàn thu töø thanh lyù, nhöôïng baùn taøi saûn coá ñònh 17.798.800.000 5.400.000

3. Tieàn chi töø thanh lyù, nhöôïng baùn taøi saûn coá ñònh - -

4. Mua saém baát ñoäng saûn ñaàu tö - -

5. Tieàn thu töø baùn, thanh lyù baát ñoäng saûn ñaàu tö - -

6. Tieàn chi töø baùn, thanh lyù baát ñoäng saûn ñaàu tö - -

7. Tieàn chi ñaàu tö, goùp voán vaøo caùc ñôn vò khaùc (chi ñaàu tö mua coâng ty con, goùp voán lieân doanh, lieân keát vaø caùc khoaûn ñaàu tö daøi haïn khaùc) - (15.700.000.000)

8. Tieàn thu ñaàu tö, goùp voán vaøo caùc ñôn vò khaùc (thu baùn, thanh lyù coâng ty con, goùp voán lieân doanh, lieân keát vaø caùc khoaûn ñaàu tö daøi haïn khaùc) 15.726.811.012 9.000.000.000

9. Tieàn thu coå töùc, lôïi nhuaän ñöôïc chia töø caùc khoaûn ñaàu tö, goùp voán daøi haïn 22.700.000.000 14.697.966.194

Löu chuyeån tieàn thuaàn töø hoaït ñoäng ñaàu tö 29.157.693.350 564.666.244


Baùo caùo löu chuyeån tieàn teä naêm 2007(tieáp theo)

Chæ tieâu Thuyeát minh Naêm nay Naêm tröôùc

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG TAØI CHÍNH

Taêng (Giaûm) voán coå phaàn töø hoaït ñoäng goùp voán vaø/ hoaëc phaùt haønh coå phieáu - 400.000.000.000

Tieàn thu töø phaùt haønh giaáy tôø daøi haïn ñuû ñieàu kieän tính vaøo voán töï coù vaø caùc khoaûn vay daøi haïn khaùc - -

Tieàn chi thanh toaùn giaáy tôø daøi haïn ñuû ñieàu kieän tính vaøo voán töï coù vaø caùc khoaûn vay daøi haïn khaùc - -

Coå töùc traû cho coå ñoâng, lôïi nhuaän ñaõ chia (14.192.932.474)

Tieàn chi ra mua coå phieáu quyõ - -

Tieàn thu ñöôïc do baùn coå phieáu quyõ - -

Löu chuyeån tieàn thuaàn töø hoaït ñoäng taøi chính - 385.807.067.526

Löu chuyeån tieàn thuaàn trong naêm (35.092.448.199) 1.122.583.208.040

Tieàn vaø caùc khoaûn töông ñöông tieàn ñaàu naêm VII.1 1.314.804.970.159 192.221.762.119

Ñieàu chænh aûnh höôûng cuûa thay ñoåi tyû giaù - -

Tieàn vaø caùc khoaûn töông ñöông tieàn cuoái naêm VII.1 1.279.712.521.960 1.314.804.970.159




Cô sôû laäp baùo caùo taøi chính hôïp nhaátBaùo caùo taøi chính hôïp nhaát ñöôïc trình baøy theo nguyeân taéc giaù goác.Cô sôû hôïp nhaátCaùc coâng ty con° Caùc coâng ty con laø ñôn vò chòu söï kieåm soaùt cuûa coâng ty meï. Söï kieåm soaùt toàn taïi khi coâng ty meï coù khaû naêng

tröïc tieáp hay giaùn tieáp chi phoái caùc chính saùch taøi chính vaø hoaït ñoäng cuûa coâng ty con ñeå thu ñöôïc caùc lôïi ích kinh teá töø caùc hoaït ñoäng naøy. Khi ñaùnh giaù quyeàn kieåm soaùt coù tính ñeán quyeàn bieåu quyeát tieàm naêng hieän ñang coù hieäu löïc hay seõ ñöôïc chuyeån ñoåi.

° Keát quaû hoaït ñoäng kinh doanh cuûa coâng ty con seõ ñöôïc ñöa vaøo baùo caùo taøi chính hôïp nhaát keå töø ngaøy mua, laø ngaøy coâng ty meï thöïc söï naém quyeàn kieåm soaùt coâng ty con. Keát quaû hoaït ñoäng kinh doanh cuûa coâng ty con bò thanh lyù ñöôïc ñöa vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh hôïp nhaát cho tôùi ngaøy thanh lyù.

° Cheânh leäch giöõa chi phí ñaàu tö vaø phaàn sôû höõu cuûa Ngaân haøng trong giaù trò hôïp lyù cuûa taøi saûn thuaàn coù theå xaùc ñònh ñöôïc cuûa coâng ty con taïi ngaøy mua ñöôïc ghi nhaän laø lôïi theá thöông maïi.

° Soá dö caùc taøi khoaûn treân Baûng caân ñoái keá toaùn giöõa caùc ñôn vò trong cuøng Nhoùm Coâng ty, caùc giao dòch noäi boä, caùc khoaûn laõi noäi boä chöa thöïc hieän phaùt sinh töø caùc giao dòch naøy ñöôïc loaïi tröø khi laäp baùo caùo taøi chính hôïp nhaát. Caùc khoaûn loã chöa thöïc hieän phaùt sinh töø caùc giao dòch noäi boä cuõng ñöôïc loaïi boû tröø khi chí phí taïo neân khoaûn loã ñoù khoâng theå thu hoài ñöôïc.

Chuyeån ñoåi ngoaïi teäNghieäp vuï kinh teá phaùt sinh trong naêm baèng ngoaïi teä, chuû yeáu laø Dollar Myõ (USD), ñöôïc qui ñoåi sang Ñoàng Vieät Nam (VND) theo tæ giaù lieân ngaân haøng vaøo thôøi ñieåm cuoái thaùng, cuoái naêm.Cheânh leäch tyû giaù cuûa caùc nghieäp vuï ngoaïi teä phaùt sinh trong kyø vaø ñaùnh giaù laïi soá dö ngoaïi teä cuoái kyø ñöôïc ñöa vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh.Tyû giaù qui ñoåi taïi thôøi ñieåm ngaøy 31/12/2006:16.061 VND/USD 31.034 VND/GBP 133,1 VND/JPY 13.604 VND/CAD 12.489 VND/AUD 21.111 VND/EURVaøng: 1.223.000 VND/chæ.Tyû giaù qui ñoåi taïi thôøi ñieåm ngaøy 31/12/2007:16.012 VND/USD 31.794 VND/GBP 138,91 VND/JPY 16.225 VND/CAD 13.984 VND/AUD 23.432 VND/EUR14.124 VND/CHF 2.929 VND/NOKVaøng: 1.604.000 VND/chæ.Keá toaùn thu nhaäp laõi, ngöøng döï thu laõi vaø chi phí laõi Doanh thu ñöôïc ghi nhaän khi Ngaân haøng coù khaû naêng thu ñöôïc lôïi ích kinh teá töø giao dòch vaø doanh thu ñöôïc xaùc ñònh töông ñoái chaéc chaén. Trong ñoù caùc khoaûn laõi ñöôïc ghi nhaän vaøo thu nhaäp ñoái vôùi caùc khoaûn nôï xaùc ñònh laø coù khaû naêng thu hoài caû goác, laõi ñuùng thôøi haïn.

Hình thöùc sôû höõu voán: Ngaân haøng thöông maïi coå phaàn.Lónh vöïc kinh doanh: Ngaân haøngToång soá coâng ty con: 01, trong ñoù: soá löôïng caùc coâng ty con ñöôïc hôïp nhaát: 01.Thoâng tin veà coâng ty con ñöôïc hôïp nhaát

Naêm taøi chính Naêm taøi chính cuûa Ngaân haøng baét ñaàu töø ngaøy 01 thaùng 01 vaø keát thuùc ngaøy 31 thaùng 12 haøng naêm. Ñôn vò tieàn teä söû duïng trong keá toaùnÑôn vò tieàn teä söû duïng laäp Baùo caùo taøi chính laø Ñoàng Vieät Nam (VND).

Cheá ñoä keá toaùn aùp duïngNgaân haøng aùp duïng Cheá ñoä keá toaùn thoáng nhaát ban haønh theo Quyeát ñònh soá 479/2004/QÑ-NHNN ngaøy 29/4/2004, Quyeát ñònh soá 807/2005/QÑ-NHNN ngaøy 01/6/2005, Quyeát ñònh soá 29/2006/QÑ-NHNN ngaøy 10/7/2006 vaø cheá ñoä baùo caùo taøi chính ñoái vôùi caùc Toå chöùc tín duïng ban haønh theo Quyeát ñònh soá 16/2007/QÑ-NHNN ngaøy 18/4/2007 cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc Vieät nam vaø caùc chuaån möïc keá toaùn coù lieân quan.Tuyeân boá veà vieäc tuaân thuû chuaån möïc keá toaùn vaø cheá ñoä keá toaùnBan Toång Giaùm ñoác ñaûm baûo ñaõ tuaân thuû ñaày ñuû yeâu caàu cuûa caùc Chuaån möïc keá toaùn vaø Cheá ñoä theo quy ñònh trong vieäc laäp Baùo caùo taøi chính. Hình thöùc keá toaùn aùp duïngHình thöùc soå saùch keá toaùn laø Nhaät kyù chung.Cô sôû ñaùnh giaù aùp duïng trong vieäc laäp Baùo caùo taøi chínhCaùc chæ tieâu cuûa Baùo caùo taøi chính ñöôïc laäp treân cô sôû giaù goác.

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97 Nguyeãn Thaùi Bình, Quaän 1, TP. HCM 100% 100%

Baûng thuyeát minh baùo caùo taøi chính hôïp nhaát



Ñoái vôùi soá laõi phaûi thu ñaõ haïch toaùn thu nhaäp nhöng ñeán kyø haïn traû nôï (goác, laõi) khaùch haøng khoâng traû ñöôïc ñuùng haïn Ngaân haøng haïch toaùn vaøo chi phí hoaït ñoäng vaø theo doõi ngoaïi baûng ñeå ñoân ñoác thu. Khi thu ñöôïc thì haïch toaùn vaøo thu hoaït ñoäng kinh doanh. Caùc khoaûn chi phí traû laõi vay, tieàn göûi ñöôïc haïch toaùn treân cô sôû döï chi.Cho vayTieàn vay ñöôïc ghi nhaän khi ngaân haøng vaø khaùch haøng kyù keát hôïp ñoàng vay, kheá öôùc nhaän nôï vaø ngaân haøng giaûi ngaân cho khaùch haøng.Phöông thöùc cho vay ñoái vôùi ñôn vò vaø caù nhaân döôùi caùc hình thöùc: vay töøng laàn, theo haïn möùc, theo döï aùn ñaàu tö, vay hôïp voán, vay traû goùp hoaëc caàm coá baèng soå tieát kieäm, chöùng töø coù giaù,...Hình thöùc ñaûm baûo tieàn vay laø baèng theá chaáp, caàm coá taøi saûn, baûo laõnh hoaëc döôùi hình thöùc tín chaáp. Nguyeân taéc phaân loaïi nôï vay vaø ñaùnh giaù ruûi ro tín duïng caên cöù vaøo quy ñònh taïi Ñieàu 6, Quyeát ñònh 493/2005/QÑ/NHNN ngaøy 22 thaùng 04 naêm 2005 vaø Quyeát ñònh soá 18 ngaøy 25 thaùng 4 naêm 2007 cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc Vieät Nam. Cô sôû trích laäp döï phoøng ruûi ro tín duïng caên cöù vaøo caùc khoaûn nôï vay ñaõ ñöôïc phaân loaïi. Vieäc tính toaùn döï phoøng caên cöù vaøo quy ñònh taïi Ñieàu 8 vaø tyû leä trích laäp caên cöù vaøo quy ñònh taïi khoaûn 4, Ñieàu 6 cuûa 2 Quyeát ñònh neâu treân. Tyû leä trích laäp cuï theå nhö sau:Nhoùm 1: 0% Nhoùm 2: 5% Nhoùm 3: 20% Nhoùm 4: 50% Nhoùm 5: 100%Möùc döï phoøng chung ñöôïc baèng 0,75% toång giaù trò caùc khoaûn nôï töø nhoùm 1 ñeán nhoùm 4, trích trong voøng 5 naêm vôùi tyû leä cuï theå nhö sau:Naêm thöù 1: 8% Naêm thöù 2: 32% Naêm thöù 3: 56% Naêm thöù 4: 80% Naêm thöù 5: 100%Vieäc xoùa soå caùc khoaûn nôï vay khoâng coù khaû naêng thu hoài caên cöù vaøo caùc quy ñònh cuûa 2 Quyeát ñònh neâu treân.Kinh doanh vaø ñaàu tö chöùng khoaùnCaùc khoaûn kinh doanh chöùng khoaùn, ñaàu tö vaøo chöùng khoaùn, coâng ty con, coâng ty lieân keát vaø cô sôû kinh doanh ñoàng kieåm soaùt ñöôïc ghi nhaän theo giaù goác. Döï phoøng giaûm giaù chöùng khoaùn ñöôïc laäp cho töøng loaïi chöùng khoaùn ñöôïc töï do mua, baùn treân thò tröôøng maø taïi thôøi ñieåm kieåm keâ, laäp baùo caùo taøi chính coù giaù thò tröôøng giaûm xuoáng so vôùi giaù goác ghi treân soå keá toaùn. Chöùng khoaùn khoâng ñöôïc mua baùn töï do treân thò tröôøng thì khoâng ñöôïc laäp döï phoøng.Taøi saûn coá ñònh voâ hình+ Quyeàn söû duïng ñaátQuyeàn söû duïng ñaát laø toaøn boä caùc chi phí thöïc teá Ngaân haøng ñaõ chi ra coù lieân quan tröïc tieáp tôùi ñaát söû duïng, bao goàm: tieàn chi ra ñeå coù quyeàn söû duïng ñaát, chi phí cho ñeàn buø, giaûi phoùng maët baèng, san laáp maët baèng, leä phí tröôùc baï... Quyeàn söû duïng ñaát khoâng xaùc ñònh thôøi haïn neân khoâng tính khaáu hao.+ Phaàn meàm maùy tínhPhaàn meàm maùy tính laø toaøn boä caùc chi phí maø Ngaân haøng ñaõ chi ra tính ñeán thôøi ñieåm ñöa phaàn meàm vaøo söû duïng. Phaàn meàm maùy vi tính ñöôïc khaáu hao trong voøng 3 - 5 naêm.Taøi saûn coá ñònh höõu hình+ Nguyeân taéc ñaùnh giaù° Taøi saûn coá ñònh ñöôïc xaùc ñònh theo nguyeân giaù tröø (-) giaù trò hao moøn luõy keá.° Nguyeân giaù taøi saûn coá ñònh bao goàm giaù mua vaø nhöõng chi phí coù lieân quan tröïc tieáp ñeán vieäc ñöa taøi saûn vaøo hoaït ñoäng. Nhöõng chi

phí mua saém, caûi tieán vaø taân trang ñöôïc tính vaøo giaù trò taøi saûn coá ñònh. Rieâng nhöõng chi phí baûo trì söûa chöõa ñöôïc tính vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh.

° Khi taøi saûn ñöôïc baùn hay thanh lyù, nguyeân giaù vaø khaáu hao luõy keá ñöôïc xoùa soå vaø baát kyø caùc khoaûn laõi loã naøo phaùt sinh do vieäc thanh lyù ñeàu ñöôïc tính vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh.

+ Phöông phaùp khaáu hao aùp duïng Taøi saûn coá ñònh khaáu hao theo phöông phaùp ñöôøng thaúng ñeå tröø daàn nguyeân giaù taøi saûn coá ñònh theo thôøi gian höõu duïng öôùc tính, phuø

hôïp vôùi höôùng daãn taïi Quyeát ñònh soá 206/2003/QÑ-BTC ngaøy 12 thaùng 12 naêm 2003 cuûa Boä Tröôûng Boä Taøi chính. Cuï theå nhö sau:- Nhaø cöûa, vaät kieán truùc: 5 - 25 naêm - Phöông tieän vaän taûi: 5 -10 naêm- Maùy moùc, thieát bò vaên phoøng: 3 - 8 naêm - Duïng cuï quaûn lyù: 3 - 5 naêm - Taøi saûn khaùc: 3 - 7 naêmTaøi saûn thueâ hoaït ñoängThueâ taøi saûn ñöôïc phaân loaïi laø thueâ hoaït ñoäng neáu phaàn lôùn ruûi ro vaø lôïi ích gaén lieàn vôùi quyeàn sôû höõu taøi saûn thuoäc veà ngöôøi cho thueâ. Chi phí thueâ hoaït ñoäng ñöôïc phaûn aùnh vaøo chi phí theo phöông phaùp ñöôøng thaúng cho suoát thôøi haïn thueâ taøi saûn, khoâng phuï thuoäc vaøo phöông thöùc thanh toaùn tieàn thueâ.Thueá thu nhaäp doanh nghieäpNgaân haøng coù nghóa vuï noäp thueá thu nhaäp doanh nghieäp vôùi thueá suaát 28% treân thu nhaäp chòu thueá. Chi phí thueá thu nhaäp doanh nghieäp trong kyø bao goàm thueá thu nhaäp hieän haønh vaø thueá thu nhaäp hoaõn laïi.Thueá thu nhaäp hieän haønh laø khoaûn thueá ñöôïc tính döïa treân thu nhaäp chòu thueá trong kyø vôùi thueá suaát aùp duïng taïi ngaøy cuoái kyø. Thu nhaäp chòu thueá cheânh leäch so vôùi lôïi nhuaän keá toaùn laø do ñieàu chænh caùc khoaûn cheânh leäch taïm thôøi giöõa thueá vaø keá toaùn cuõng nhö ñieàu chænh caùc khoaûn thu nhaäp vaø chi phí khoâng phaûi chòu thueá hay khoâng ñöôïc khaáu tröø.Voán chuû sôû höõuNguoàn voán kinh doanh cuûa Ngaân haøng bao goàm:° Voán ñaàu tö cuûa chuû sôû höõu: ñöôïc ghi nhaän theo soá thöïc teá ñaõ ñaàu tö cuûa caùc coå ñoâng.° Thaëng dö voán coå phaàn: cheânh leäch do phaùt haønh coå phieáu cao hôn meänh giaù.° Voán khaùc: hình thaønh do boå sung töø keát quaû hoaït ñoäng kinh doanh, giaù trò caùc taøi saûn ñöôïc taëng, bieáu, taøi trôï vaø ñaùnh giaù laïi taøi saûn.° Caùc quyõ ñöôïc trích laäp vaø söû duïng theo caùc quy ñònh taïi Nghò ñònh 146/2005/NÑ-CP ngaøy 23/11/2005 cuûa Chính phuû vaø Ñieàu leä

cuûa Ngaân haøng.Beân lieân quanCaùc beân ñöôïc coi laø lieân quan neáu moät beân coù khaû naêng kieåm soaùt hoaëc coù aûnh höôûng ñaùng keå ñoái vôùi beân kia trong vieäc ra quyeát ñònh caùc chính saùch taøi chính vaø hoaït ñoäng.


Soá cuoái naêm Soá ñaàu naêm

Chi Nhaùnh TP. HCM – VND 45.089.794.230 17.739.518.547

Chi Nhaùnh TP. Haø Noäi 627.679.027 1.313.174.217

Sôû giao dòch NHNN – USD (Hoäi sôû) 14.597.724.568 8.423.690.625

Sôû giao dòch NHNN – VND (Hoäi sôû) 39.859.348.413 15.914.789.781

Sôû giao dòch NHNN (CN Haø Noäi) 50.692.597 18.672.597

Chi nhaùnh Nha Trang 9.620.394.128 1.923.319.871

Chi Nhaùnh Quy Nhôn 2.491.479.713 3.955.802.333

Chi Nhaùnh Bình Phöôùc 354.158.147 132.755.844

Chi nhaùnh Thuû Ñöùc 39.609.875 -

Chi nhaùnh Ñaø Naüng 404.954.641 -

Coäng 113.135.835.339 49.421.723.815


Tieàn göûi khoâng kyø haïn 21.305.120.605 9.303.603.447

Hoäi sôû 10.864.543.371 7.335.107.498

Chi nhaùnh Haø Noäi 6.437.117.957 104.503.047

Chi nhaùnh Nha Trang 3.019.036.793 115.515.812

Chi nhaùnh Quy Nhôn 187.028.779 1.142.609.537

Chi nhaùnh Vaïn Ninh - 604.038.592

Chi nhaùnh Bình Phöôùc 762.470.825 1.828.961

Chi nhaùnh Ñaø Naüng 34.922.880 -

Tieàn göûi khoâng kyø haïn taïi NH nöôùc ngoaøi 8.335.601.047 14.417.211.672

Hoäi sôû 8.335.601.047 14.417.211.672

Tieàn göûi coù kyø haïn 1.491.812.600.000 1.115.078.850.000

Hoäi sôû 617.009.000.000 782.956.850.000

CN Haø Noäi 874.803.600.000 332.122.000.000

Coäng 1.521.453.321.652 1.138.799.665.119


Tieàn maët baèng VND 71.346.901.200 40.179.047.799

Tieàn maët baèng ngoaïi teä 25.958.515.769 12.673.316.951

Vaøng 127.817.948.000 173.731.216.475

Coäng 225.123.364.969 226.583.581.225

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc

Tieàn göûi taïi caùc toå chöùc tín duïng khaùc

Tieàn maët, vaøng baïc, ñaù quyù

Chuû yeáu phaûn aùnh caùc taøi khoaûn tieàn göûi thanh toaùn vaø tieàn göûi döï tröõ baét buoäc taïi Ngaân haøng Nhaø nöôùc theo quy ñònh. Trong ñoù, tieàn göûi döï tröõ baét buoäc ñöôïc xaùc ñònh tuaân thuû theo qui ñònh cuûa Ngaân haøng Nhaø nöôùc, vôùi tæ leä döï tröõ laø:° Tieàn göûi khoâng kyø haïn & coù kyø haïn döôùi 12 thaùng: 10%° Tieàn göûi coù kyø haïn töø 12 thaùng ñeán döôùi 24 thaùng: 4%

Thoâng tin boå sung cho caùc khoaûn muïc trình baøy trong baûng caân ñoái keá toaùn hôïp nhaát



Chöùng khoaùn do toå chöùc tín duïng trong nöôùc phaùt haønh (1) 135.000.000.000 -

Chöùng khoaùn do toå chöùc kinh teá trong nöôùc phaùt haønh (2) 62.000.000.000 -

Coäng 197.000.000.000 -


Cho vay caùc toå chöùc kinh teá, caù nhaân trong nöôùc 2.669.424.153.425 1.682.594.735.410

Cho vay chieát khaáu thöông phieáu vaø caùc giaáy tôø coù giaù 2.825.172.491 338.502.680.817

Cho vay baèng voán taøi trôï, uûy thaùc ñaàu tö 26.250.270.164 25.464.493.000

Cho vay ñoái vôùi caùc toå chöùc, caù nhaân nöôùc ngoaøi - -

Nôï cho vay ñöôïc khoanh vaø nôï chôø xöû lyù 195.750.000 978.850.000

Coäng 2.698.695.346.080 2.047.540.759.227

Nhoùm nôï Soá cuoái naêm Soá ñaàu naêm

Nhoùm 1 2.603.568.871.835 1.892.749.960.970

Nhoùm 2 50.768.437.098 121.588.429.405

Nhoùm 3 10.394.709.000 3.060.898.500

Nhoùm 4 6.130.762.823 13.740.940.600

Nhoùm 5 27.832.565.324 16.400.529.752

Coäng 2.698.695.346.080 2.047.540.759.227


Nôï ngaén haïn 1.670.935.291.465 1.513.473.397.004

Nôï trung haïn 898.588.715.943 489.975.542.963

Nôï daøi haïn 128.975.588.672 43.112.969.260

Nôï chôø xöû lyù 195.750.000 978.850.000

Coäng 2.698.695.346.080 2.047.540.759.227

Cho vay

Phaân tích chaát löôïng nôï vay

Phaân tích dö nôï theo thôøi gian

Chöùng khoaùn kinh doanh

(1) Coå phieáu do Ngaân haøng TMCP Kyõ thöông Vieät nam phaùt haønh do Ngaân haøng Nam AÙ mua vaø seõ baùn laïi trong 6 thaùng sau cho chính ngöôøi baùn vôùi giaù baùn baèng giaù mua coäng vôùi laõi suaát laø 1,1%/thaùng. Soá löôïng coå phieáu vôùi meänh giaù 10.000 ñoàng laø 992.500, coøn coå phieáu meänh giaù 5 trieäu ñoàng laø 4.015 coå phieáu.

(2) Coå phieáu cuûa Coâng ty Laâm thuûy saûn Beán Tre phaùt haønh, vôùi meänh giaù laø 10.000 ñoàng, soá löôïng laø 1 trieäu coå phieáu. Coå phieáu cuûa Coâng ty CP Ñaàu tö xaây döïng vaø khai thaùc coâng trình giao thoâng 584, vôùi meänh giaù laø 10.000 ñoàng, soá löôïng laø 600.000 coå phieáu.


Dieãn giaûi Soá cuoái naêm Soá ñaàu naêm

Coâng ty TNHH Nhaø nöôùc - 337.780.407.690

Coâng ty coå phaàn khaùc 274.890.188.125 89.595.776.566

Coâng ty TNHH tö nhaân 681.031.272.851 385.019.467.007

Doanh nghieäp coù voán ñaàu tö nöôùc ngoaøi 20.818.293.399 15.600.213.126

Doanh nghieäp Nhaø nöôùc Trung öông 1.007.537.050 1.748.283.575

Doanh nghieäp tö nhaân 190.049.995.268 113.117.420.000

Kinh teá caùc theå 1.525.898.059.387 1.099.679.191.263

Kinh teá taäp theå 5.000.000.000 5.000.000.000

TOÅNG COÄNG 2.698.695.346.080 2.047.540.759.227

Phaân tích dö nôï theo loaïi hình doanh nghieäp

Phaân tích dö nôï theo ngaønh kinh teá (trieäu ñoàng)

Döï phoøng ruûi ro tín duïng

Dieãn giaûi Soá cuoái naêm Soá ñaàu naêm

Hoaït ñoäng kinh doanh taøi saûn vaø dòch vuï tö vaán 17.553.889.749 118.028.870.245

Coâng nghieäp cheá bieán 132.666.327.478 52.654.618.126

Coâng nghieäp khai thaùc moû 200.000.000 1.000.000.000

Giaùo duïc vaø ñaøo taïo 2.476.000.000 491.116.300

Hoat ñoäng caùc toå chöùc vaø ñoaøn theå Quoác teá 2.277.680.000 8.252.440.000

Hoaït ñoäng dòch vuï taïi hoä gia ñình 112.703.631.250 285.370.609.960

Hoat ñoäng khoa hoïc vaø coâng ngheä 26.676.000.000 8.270.000.000

Hoaït ñoäng phuïc vuï caù nhaân vaø coâng coäng 1.479.437.152.969 519.267.578.437

Hoaït ñoäng taøi chính 57.903.250.000 411.354.769.890

Hoaït ñoäng vaên hoùa theå thao 8.529.164.000 6.776.945.200

Khaùch saïn vaø nhaø haøng 315.804.771.392 22.993.150.000

Noâng nghieäp vaø laâm nghieäp 30.667.314.050 39.521.640.525

SX vaø PP ñieän khí ñoát vaø nöôùc 6.668.000.000 3.050.000.000

Thöông nghieäp, söûa chöõa xe, ñoäng cô, xe maùy 187.859.654.220 390.376.058.781

Thuûy saûn 7.100.000.000 17.924.161.000

Vaän taûi, kho baõi, thoâng tin lieân laïc 50.730.227.200 52.076.892.063

Xaây döïng 224.416.177.600 105.505.908.700

Y teá vaø hoaït ñoäng cöùu trôï xaõ hoäi 35.026.106.172 4.626.000.000

TOÅNG COÄNG 2.698.695.346.080 2.047.540.759.227

Kyø naøy Soá ñaàu naêm Taêng trong naêm Giaûmtrong naêm Soá cuoái naêm

Döï phoøng ruûi ro-cho vay 6.425.429.867 17.190.177.253 15.660.265.491 7.955.341.629

Döï phoøng cuï theå 4.016.097.091 13.304.039.300 15.652.226.901 1.667.909.490

Döï phoøng chung 2.409.332.776 3.886.137.953 8.038.590 6.287.432.139

Döï phoøng ruûi ro-Chieát khaáu 66.578.396 344.457.634 408.735.772 2.300.258

Döï phoøng chung 66.578.396 344.457.634 408.735.772 2.300.258

Döï phoøng ruûi ro-Vay baèng voán taøi trôï, uûy thaùc 51.915.238 106.354.198 53.198.835 105.070.601

Döï phoøng cuï theå 25.435.000 56.330.860 46.840.860 34.925.000

Döï phoøng chung 26.480.238 50.023.338 6.357.975 70.145.601

Döï phoøng ruûi ro-Nôï chôø xöû lyù - - - -

TOÅNG COÄNG 6.543.923.501 17.640.989.085 16.122.200.098 8.062.712.488


Chöùng khoaùn ñaàu tö

Goùp voán ñaàu tö daøi haïn

Danh saùch caùc ñôn vò nhaän ñaàu tö

Ngaân haøng ñaõ chuyeån nhöôïng voán coå phaàn nhö sau

vaø xöû lyù voán goùp


Chöùng khoaùn ñaàu tö saün saøng ñeå baùn 32.550.111 31.861.119

Traùi phieáu chính phuû 32.550.111 31.861.119

Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn (1) 109.757.583.327 109.775.083.331

Traùi phieáu chính phuû & ñoâ thò 109.757.583.327 109.775.083.331

Coäng 109.790.133.438 109.806.944.450


Ñaàu tö vaøo coâng ty lieân keát - -

Ñaàu tö daøi haïn khaùc - 15.857.326.808

Döï phoøng giaûm giaù ñaàu tö daøi haïn - -

Coäng - 15.857.326.808


Ngaân haøng - 10.750.000.000

TMCP Gia Ñònh - 10.750.000.000

Coâng ty - 5.107.326.808

CP Ñaïi Nam AÙ - 157.326.808

Coâng ty CP chöùng khoaùn Vinasecurities - 4.950.000.000

Toång coäng - 15.857.326.808

Ñôn vò Soá coå phaàn Giaù baùn Giaù voán Laõi

TMCP Gia Ñònh 10.750 16.125.000.000 10.750.000.000 5.375.000.000

CP chöùng khoaùn Vinasecurities 495.000 22.275.000.000 4.950.000.000 17.325.000.000

Coäng 38.400.000.000 15.700.000.000 22.700.000.000

Ñôn vò Giaù trò thu hoài Giaù voán Cheânh leäch

CP Ñaïi Nam AÙ 10.000.000 157.326.808 (147.326.808)

(1) Chuû yeáu laø Traùi phieáu chính phuû vaø traùi phieáu ñoâ thò. Thôøi haïn ñaùo haïn laø 5 naêm, laõi suaát laø töø 8%/naêm ñeán 9,05%/naêm. Rieâng traùi phieáu chính phuû baèng ngoaïi teä coù toång giaù trò laø 500 ngaøn USD vôùi meänh giaù cuûa traùi phieáu laø 10 ngaøn USD , thôøi haïn ñaùo haïn laø 5 naêm, laõi suaát laø 3,5%/naêm.


Taøi saûn coá ñònh höõu hìnhChi tieát taøi saœn coá ñònh vaø khaáu hao taøi saœn coá ñònh:

Taøi saûn coá ñònh voâ hình

Chæ tieâuNhaø cöûa, vaät

kieán truùcMaùy moùc,

thieát bòPhöông tieän

vaän taûiThieát bò, duïng

cuï quaûn lyùTaøi saûn coá ñònh höõu hình khaùc

Coäng

I.Nguyeân giaù TSCÑSoá ñaàu naêm 18.624.151.655 10.822.988.978 9.042.368.260 188.085.463 1.170.373.344 39.847.967.700Taêng trong naêm 382.213.775 7.136.334.107 5.676.043.395 61.563.715 852.311.440 14.108.466.432-Mua saém môùi 382.213.775 7.136.334.107 5.676.043.395 61.563.715 852.311.440 14.108.466.432-Ñaàu tö XDCB hoaøn thaønh - - - - - --Taêng khaùc - - - - - -Giaûm trong naêm - 8.000.000 - - - 8.000.000-Giaûm khaùc - 8.000.000 - - 8.000.000Soá cuoái naêm 19.006.365.430 17.951.323.085 14.718.411.655 249.649.178 2.022.684.784 53.948.434.132II.Giaù trò hao moønSoá ñaàu naêm 5.392.873.322 5.278.523.992 2.812.506.319 93.006.662 461.308.751 14.038.219.046Khaáu hao trong naêm 737.682.473 2.952.402.635 1.644.340.177 69.271.782 274.143.503 5.677.840.570Giaûm trong naêm - 2.933.326 - - - 2.933.326Soá cuoái naêm 6.130.555.795 8.227.993.301 4.456.846.496 162.278.444 735.452.254 19.713.126.290III.Giaù trò coøn laïiSoá ñaàu naêm 13.231.278.333 5.544.464.986 6.229.861.941 95.078.801 709.064.593 25.809.748.654Soá cuoái naêm 12.875.809.635 9.723.329.784 10.261.565.159 87.370.734 1.287.232.530 34.235.307.842

Chæ tieâu Quyeàn söû duïng ñaát Phaàn meàm keá toaùn Coäng

I.Nguyeân giaù TSCÑSoá ñaàu naêm 34.518.467.749 1.502.025.013 36.020.492.762 Mua saém môùi 10.664.617.200 2.133.980.030 12.798.597.230 Ñaàu tö XDCB hoaøn thaønh - - - Taêng khaùc 160.854.000 - 160.854.000 Thanh lyù, nhöôïng baùn 4.129.018.476 - 4.129.018.476 Giaûm khaùc - - - Soá cuoái naêm 41.214.920.473 3.636.005.043 44.850.925.516II. Giaù trò hao moønSoá ñaàu naêm - 394.173.664 394.173.664 Taêng trong naêm - 370.641.598 370.641.598 Giaûm trong naêm - - - Soá cuoái naêm - 764.815.262 764.815.262 III. Giaù trò coøn laïiSoá ñaàu naêm 34.518.467.749 1.107.851.349 35.626.319.098 Soá cuoái naêm 41.214.920.473 2.871.189.781 44.086.110.254

- Trong naêm, taøi saûn coá ñònh taêng leân chuû yeáu do mua saém maùy vi tính, thieát bò vaø xe chuyeân chôû.- Taøi saûn coá ñònh taêng vaø giaûm khaùc trong kyø laø do thanh lyù maùy vi tính, maùy laïnh.


Caùc khoaûn phaûi thu

Caùc khoaûn phí vaø laõi phaûi thu

Taøi saûn coù khaùc


Khoaûn phaûi thu cuûa NH TMCP Nam AÙ 241.842.057.620 205.563.095.807Chi phí xaây döïng cô baûn, mua saém taøi saûn 216.541.953.548 127.955.547.347Chi phí xaây döïng nhaø 97 Bis Haøm Nghi 1.374.000.000 1.374.000.000Chi phí mua nhaø laøm truï sôû môùi 201-203 CMT8 214.088.394.869 126.500.000.000Söûa chöõa taøi saûn coá ñònh 81.547.347 81.547.347Chi phí khaùc 998.011.332 -Caùc khoaûn phaûi thu 25.300.104.072 77.607.548.460Ñaët coïc tieàn thueâ nhaø 1.794.092.728 915.272.728Taïm öùng noäp ngaân saùch nhaø nöôùc 32.534.524 32.757.274Thueá giaù trò gia taêng ñaàu vaøo 12.145.098 28.729.321Taïm öùng thöïc hieän hôïp ñoàng 5.542.011.214 - Phaûi thu tieàn CN QSD ñaát Bình Chaùnh 5.798.800.000 Caùc khoaûn taïm öùng cho CBCNV 971.039.893 944.907.418Taïm trích caùc quyõ cuûa ngaân haøng 5.507.179.053 3.384.262.529Chi phí xöû lyù taøi saûn ñaûm baûo nôï 14.310.000 37.473.000Phaûi thu veà vaøng nhaäp khaåu - 65.225.036.000Caùc khoaûn phaûi thu khaùc 5.627.991.562 7.039.110.190Khoaûn phaûi thu cuûa CT quaûn lyù nôï & KTTS 69.560.559 -Coäng 241.911.618.179 205.563.095.807


Laõi phaûi thu töø tieàn göûi baèng VND 21.193.860.916 6.722.540.518Laõi phaûi thu töø tieàn göûi baèng ngoaïi teä 13.349.684 313.701.042Chöùng khoaùn saün saøng ñeå baùn 1.998.167 2.002.458Chöùng khoaùn giöõ ñeán ngaøy ñaùo haïn 11.798.436.260 7.349.800.575Laõi phaûi thu cho vay baèng VND 16.959.043.658 13.045.880.514Laõi phaûi thu cho vay baèng ngoaïi teä 640.295.922 502.176.412Coäng 50.606.984.607 27.936.101.519


Vaät lieäu 1.309.667.384 77.502.585Taøi saûn gaùn nôï ñaõ chuyeån quyeàn sôû höõu cho TCTD, chôø xöû lyù 208.050.000 -Chi phí chôø phaân boå 10.896.182.227 8.003.905.996Coäng 12.413.899.611 8.081.408.581


Tieàn göœi cuûa caùc toå chöùc tín duïng khaùc

Tieàn göœi cuûa khaùch haøng

Voán taøi trôï uûy thaùc ñaàu tö, cho vay TCTD chòu ruûi ro

Caùc khoaûn laõi vaø phí phaûi traû


Tieàn göûi cuûa caùc TCTD trong nöôùc baèng VND 1.640.000.000.000 977.500.000.000 Hoäi sôû 465.000.000.000 555.500.000.000 Chi nhaùnh Haø Noäi 1.175.000.000.000 422.000.000.000 Tieàn göûi cuûa caùc TCTD trong nöôùc baèng ngoaïi teä - 104.396.500.000 Hoäi sôû - 64.244.000.000 Chi nhaùnh Haø Noäi - 40.152.500.000Coäng 1.640.000.000.000 1.081.896.500.000


TG cuûa khaùch haøng trong nöôùc baèng VND 320.747.176.321 140.900.477.869TG cuûa khaùch haøng trong nöôùc baèng ngoaïi teä 7.925.389.652 15.730.178.522TG tieát kieäm baèng VND 2.069.160.461.322 1.349.699.008.977TG tieát kieäm baèng ngoaïi teä vaø vaøng 389.324.141.948 369.859.599.576TG cuûa khaùch haøng nöôùc ngoaøi baèng VND 439.739.734 2.698.626.350TG cuûa khaùch haøng nöôùc ngoaøi baèng ngoaïi teä 3.941.675.319 6.568.148.030Tieàn kyù quyõ baèng VND 3.489.782.056 2.944.899.065Tieàn kyù quyõ baèng ngoaïi teä 6.821.281.246 6.348.183.404Coäng 2.801.849.647.598 1.894.749.121.793


Voán taøi trôï, uyû thaùc ñaàu tö, cho vay baèng VND 31.925.300.000 24.638.412.000 Voán taøi trôï, uyû thaùc ñaàu tö, cho vay baèng ngoaïi teä 179.122.561 -Coäng 32.104.422.561 24.638.412.000


Tieàn göûi baèng VND 10.675.560.859 7.862.651.555Tieàn göûi baèng ngoaïi teä 3.739.598 514.594.434Tieàn göûi tieát kieäm baèng VND 44.378.194.024 32.046.385.771Tieàn göûi tieát kieäm baèng ngoaïi teä vaø vaøng 3.331.638.103 3.178.743.135Tieàn vay cuûa toå chöùc tín duïng baèng VND - 291.072.390Tieàn vay taøi trôï, uûy thaùc 12.375.813 13.002.412Coäng 58.401.508.397 43.906.449.697

Ñaây laø khoaûn voán vay töø Quyõ RDF II (Döï aùn taøi chính noâng thoân) cuûa World Bank thoâng qua Ngaân haøng Ñaàu tö vaø Phaùt trieån laøm ñaàu moái. Thôøi haïn vay ñoái vôùi VND töø 1 - 3 naêm, laõi suaát töø 0,54%/thaùng. Thôøi haïn vay ñoái vôùi USD töø 20 naêm, laõi suaát töø 0,75%/thaùng. Ngaân haøng duøng nguoàn voán vay naøy ñeå cho vay caùc tieåu döï aùn cuûa caù nhaân, hoä gia ñình, hôïp taùc xaõ vaø doanh nghieäp khoâng phaûi laø doanh nghieäp Nhaø nöôùc hoaëc ñaøo taïo nguoàn nhaân löïc.


Caùc khoaûn phaûi traû vaø coâng nôï khaùc


Khoaûn phaûi traû cuûa NH TMCP Nam AÙ 41.201.664.116 83.892.525.177Tieàn giöõ hoä vaø ñôïi thanh toaùn 7.260.571.526 15.869.000Thueá & caùc khoaûn phaûi noäp Nhaø nöôùc 15.456.244.150 10.693.850.190

Phaûi traû veà mua saém taøi saûn coá ñònh 97.323.701 86.605.325

Chuyeån tieàn phaûi traû baèng ñoàng VN 512.933.605 638.616.813Chuyeån tieàn phaûi traû baèng USD 15.131.340 15.177.645Caùc khoaûn chôø thanh toaùn khaùc 15.236.089.467 70.132.876.174Caùc khoaûn thanh toaùn cho CBCNV 114.450.000 58.450.000Caùc khoaûn thanh toaùn khaùc 3.528.793 173.169.190Quyõ döï phoøng veà trôï caáp maát vieäc laøm 1.176.226.310 1.210.210.902Doanh thu chôø phaân boå 1.329.165.224 867.699.938Khoaûn phaûi traû cuûa CT quaûn lyù nôï & KTTS 208.050.000 -Coäng 41.409.714.116 83.892.525.177

Voán ñaàu tö cuûa chuû sôû höõu

Voán ÑTXDCB & khaùc

Caùc quyõ Lôïi nhuaän sau thueá

chöa phaân phoái Coäng

Soá ñaàu naêm tröôùc 150.000.000.000 35.298.642 6.764.382.501 29.124.329.791 185.924.010.934

Taêng trong naêm tröôùc 400.000.000.000 - - - 400.000.000.000

Lôïi nhuaän trong naêm tröôùc - - - 38.813.250.435 38.813.250.435

Noäp thueá TNDN - - - (7.732.344.602) (7.732.344.602)

Chi traû coå töùc - - - (14.192.932.474) (14.192.932.474)

Taêng khaùc - - - 326.932.896 326.932.896

Caùc khoaûn chi quyõ vaø chi khaùc - - (3.483.932.014) (642.083.910) (4.126.015.924)

Trích laäp caùc quyõ trong naêm - - 6.556.968.805 (6.556.968.805) -

Soá dö cuoái naêm tröôùc 550.000.000.000 35.298.642 9.837.419.292 39.140.183.331 599.012.901.265

Soá dö ñaàu naêm nay 550.000.000.000 35.298.642 9.837.419.292 39.140.183.331 599.012.901.265

Taêng trong naêm 25.924.740.000 - (26.094.994.662) (170.254.662)

Lôïi nhuaän trong naêm - - 75.106.039.587 75.106.039.587

Caùc khoaûn chi quyõ vaø chi khaùc - - (6.382.018.539) (1.065.926.808) (7.447.945.347)

Trích laäp caùc quyõ trong naêm - - 11.979.261.861 (11.979.261.861) -

Soá dö cuoái naêm nay 575.924.740.000 35.298.642 15.434.662.614 75.106.039.587 666.500.740.843

Voán vaø quyõ cuûa ngaân haøng



Voán goùp cuûa caùc coå ñoâng 575.924.740.000 550.000.000.000

Thaëng dö voán coå phaàn - -

Coå phieáu quyõ - -

Coäng 575.924.740.000 550.000.000.000

Coå töùc Coå töùc ñaõ chi traû trong naêm nhö sau:

Coå töùc naêm tröôùc 26.094.994.662

Taïm öùng coå töùc naêm nay -

Coäng 26.094.994.662

Chi tieát voán ñaàu tö cuûa chuû sôû höõu

Coå phieáu Soá cuoái naêm Soá ñaàu naêm

Soá löôïng coå phieáu ñaêng kyù phaùt haønh 57.592.474 55.000.000

Soá löôïng coå phieáu ñaõ baùn ra coâng chuùng

Co- å phieáu phoå thoâng 57.592.474 55.000.000

Co- å phieáu öu ñaõi - -

Soá löôïng coå phieáu ñöôïc mua laïi

Co- å phieáu phoå thoâng - -


Soá löôïng coå phieáu ñang löu haønh

Co- å phieáu phoå thoâng 57.592.474 55.000.000


° Meänh giaù coå phieáu cuûa ngaân haøng: 10.000 ñoàng. ° Trong naêm Ngaân haøng ñaõ taêng voán ñieàu leä leân 25.924.740.000 ñoàng töø lôïi nhuaän naêm 2006.° Voán ñieàu leä ñeán ngaøy 31 thaùng 12 naêm 2007 cuûa Ngaân haøng laø 575.924.740.000 ñoàng ñaõ ñöôïc ñaêng kyù taïi Giaáy chöùng nhaän

ñaêng kyù kinh doanh Coâng ty Coå phaàn soá 059027, ñaêng kyù thay ñoåi kinh doanh laàn thöù 19, ngaøy 02/03/2007 cuûa Phoøng ñaêng kyù kinh doanh - Sôû Keá hoaïch vaø Ñaàu tö thaønh phoá Hoà Chí Minh.


Caùc quyõ cuûa toå chöùc tín duïng

Quyõ döï tröõ boå sung voán

ñieàu leä

Quyõ ñaàu tö phaùt trieån

Quyõ nghieân cöùu khoa hoïc vaø ñaøo taïo

Quyõ döï phoøng taøi

chính

Quyõ khen thöôûng Quyõ phuùc lôïi Coäng

Soá ñaàu naêm tröôùc

2.504.644.443 249.189.111 171.063.809 3.836.637.800 2.690.838 156.500 6.764.382.501

Taêng trong naêm tröôùc

1.037.495.064 35.482.331 35.482.331 1.971.240.622 3.193.409.807 283.858.650 6.556.968.805

Caùc khoaûn chi quyõ

(10.000.000) (28.923.434) (3.160.993.430) (284.015.150) (3.483.932.014)

Soá dö cuoái naêm tröôùc

3.542.139.507 274.671.442 177.622.706 5.807.878.422 35.107.215 - 9.837.419.292

Soá dö ñaàu naêm nay

3.542.139.507 274.671.442 177.622.706 5.807.878.422 35.107.215 - 9.837.419.292

Trích laäp caùc quyõ trong naêm

1.895.452.826 64.824.487 64.824.487 3.601.360.370 5.185.958.931 1.166.840.760 11.979.261.861

Caùc khoaûn chi quyõ

- - - - (5.215.177.779) (1.166.840.760) (6.382.018.539)

Soá dö cuoái naêm nay

5.437.592.333 339.495.929 242.447.193 9.409.238.792 5.888.367 - 15.434.662.614

- Vieäc trích laäp caùc quyõ caên cöù vaøo Nghò ñònh soá 146/2005/NÑ-CP ngaøy 23/11/2005 cuûa Chính phuû vaø ñaõ ñöôïc thoâng qua Ñaïi hoäi Coå ñoâng naêm 2006.

- Lôïi nhuaän naêm 2006 ñöôïc phaân phoái nhö sau: ° Quyõ döï tröõ boå sung voán ñieàu leä: 5% treân lôïi nhuaän sau thueá ° Khoaûn lôïi nhuaän coøn laïi ñöôïc trích laäp vaøo quyõ döï phoøng taøi chính 10%. ° Trích caùc quyõ ñaàu tö phaùt trieån, quyõ nghieân cöùu khoa hoïc, quyõ khen thöôûng, phuùc lôïi tyû leä laø 20%. ° Lôïi nhuaän coøn laïi ñöôïc chia cho caùc coå ñoâng.

Muïc ñích trích laäp quyõ ñaàu tö phaùt trieån, quyõ döï phoøng taøi chính vaø quyõ khaùc thuoäc voán chuû sôû höõu- Quyõ döï tröõ boå sung voán ñieàu leä ñöôïc duøng ñeå boå sung voán ñieàu leä cuûa Ngaân haøng.- Quyõ döï phoøng taøi chính ñöôïc duøng ñeå: ° Buø ñaép nhöõng toån thaát, thieät haïi veà taøi saûn, coâng nôï khoâng ñoøi ñöôïc xaûy ra trong quaù trình kinh doanh; ° Buø ñaép khoaûn loã cuûa Ngaân haøng theo quyeát ñònh cuûa Hoäi ñoàng quaûn trò.

Naêm nay Naêm tröôùc

Thu laõi tieàn göûi 105.750.053.716 32.832.386.699

Thu laõi cho vay 387.499.081.443 224.873.551.448

Thu laõi töø ñaàu tö chöùng khoaùn 14.265.577.745 8.307.966.194

Thu khaùc töø hoaït ñoäng tín duïng - 918.284

Coäng 507.514.712.904 266.014.822.625


Chi traû laõi tieàn göûi 259.233.902.699 143.267.705.729

Chi traû laõi tieàn vay 5.591.028.853 2.939.433.063

Chi phí khaùc 91.372.669.883 24.610.957.722

Coäng 356.197.601.435 170.818.096.514


Thu nhaäp töø hoaït ñoäng dòch vuï 6.835.529.165 6.417.832.420

Thu töø nghieäp vuï baûo laõnh 191.079.441 188.654.289

Thu phí dòch vuï thanh toaùn 3.512.176.795 2.237.005.273

Thu phí dòch vuï ngaân quyõ 71.530.236 46.694.790

Thu töø nghieäp vuï uûy thaùc vaø ñaïi lyù 49.921 73.644

Thu töø caùc dòch vuï khaùc 3.060.692.772 3.945.404.424

Chi phí hoaït ñoäng dòch vuï 2.775.460.413 1.539.702.466

Chi veà dòch vuï thanh toaùn vaø ngaân quyõ 2.686.436.095 1.336.457.065

Chi töø nghieäp vuï uûy thaùc vaø ñaïi lyù 3.387.287 5.396.855

Chi töø caùc dòch vuï khaùc 85.637.031 197.848.546

Laõi töø hoaït ñoäng dòch vuï 4.060.068.752 4.878.129.954


Thu nhaäp töø kinh doanh ngoaïi hoái 2.109.338.476 3.296.538.584

Thu veà kinh doanh ngoaïi teä 952.618.398 492.574.214

Thu veà kinh doanh vaøng 1.156.720.078 2.803.964.370

Chi phí töø kinh doanh ngoaïi hoái 177.819.085 220.712.258

Chi veà kinh doanh ngoaïi teä 139.168.684 183.875.381

Chi veà kinh doanh vaøng 38.650.401 36.836.877

Laõi thuaàn töø kinh doanh ngoaïi hoái 1.931.519.391 3.075.826.326

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï

Chi phí laõi vaø caùc khoaûn chi phí töông töï

Laõi töø hoaït ñoäng dòch vuï

Laõi töø hoaït ñoäng kinh doanh ngoaïi hoái




Thu thanh lyù TSCÑ 13.669.781.524 5.400.000

Thu nôï ñaõ xöû lyù ruûi ro 2.161.298.260 340.072.600

Caùc khoaûn thu khaùc 1.954.862.380 3.250.858.572

Coäng 17.785.942.164 3.596.331.172


Laõi töø chuyeån nhöôïng coå phieáu cuûa caùc coâng ty, ngaân haøng nhaän ñaàu tö (1) 22.700.000.000 6.390.000.000


Chi noäp thueá 239.618.153 326.355.459

Chi noäp caùc khoaûn phí, leä phí 418.430.663 246.742.924

Chi phí cho nhaân vieân 43.134.629.591 26.588.809.709

Chi hoaït ñoäng quaûn lyù vaø coâng cuï 16.478.325.448 10.266.349.525

Chi khaáu hao cô baûn TSCÑ 6.048.846.372 4.893.569.889

Chi khaùc veà taøi saûn 11.907.012.390 7.228.457.891

Chi noäp phí baûo hieåm, baûo toaøn tieàn göûi cuûa khaùch haøng, chi boài thöôøng BHTG 2.337.953.032 1.564.301.464

Chi phí döï phoøng cam keát 80.320.435 42.313.358

Coäng 80.645.136.084 51.156.900.219


Lôïi nhuaän keá toaùn sau thueá thu nhaäp doanh nghieäp 75.106.039.587 38.813.250.435

Caùc khoaûn ñieàu chænh taêng, giaûm lôïi nhuaän keá toaùn ñeå xaùc ñònh lôïi nhuaän phaân boå cho coå ñoâng sôû höõu coå phieáu phoå thoâng:

Coå töùc cuûa coå phieáu öu ñaõi

Lôïi nhuaän phaân boå cho coå ñoâng sôû höõu coå phieáu phoå thoâng 75.106.039.587 38.813.250.435

Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm 57.123.698 15.000.000

Laõi cô baûn treân coå phieáu 1.315 2.588


Coå phieáu phoå thoâng ñang löu haønh ñaàu naêm 55.000.000 15.000.000

AÛnh höôûng cuûa coå phieáu phoå thoâng mua laïi - -

AÛnh höôûng cuûa coå phieáu phoå thoâng phaùt haønh 2.123.698 -

Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm 57.123.698 15.000.000

Thu nhaäp töø hoaït ñoäng khaùc

Thu nhaäp töø goùp voán, mua coå phaàn

Chi phí hoaït ñoäng

Laõi cô baûn treân coå phieáu

Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm ñöôïc tính nhö sau:

(1) Xem thuyeát minh soá V.7.


Thoâng tin boå sung caùc khoaûn muïc trình baøy treân baùo caùo löu chuyeån tieàn teä

Caùc thoâng tin khaùc

Tieàn vaø töông ñöông tieàn

Caùc giao dòch khoâng baèng tieàn

Bao goàm tieàn maët taïi quyõ, tieàn göûi taïi Ngaân haøng Nhaø nöôùc, coäng theâm tín phieáu Chính phuû vaø caùc giaáy tôø coù giaù ngaén haïn khaùc ñuû ñieàu kieän taùi chieát khaáu Ngaân haøng Nhaø nöôùc, Chöùng khoaùn coù thôøi haïn thu hoài hoaëc ñaùo haïn khoâng quaù 3 thaùng keå töø ngaøy mua; tieàn göûi taïi caùc Toå chöùc tín duïng khaùc khoâng kyø haïn vaø ñaùo haïn khoâng quaù 3 thaùng keå töø ngaøy göûi.

Trong naêm Nhoùm coâng ty coù nghieäp vuï phaùt sinh khoâng baèng tieàn maët laø taêng voán töø lôïi nhuaän ñeå laïi cuûa caùc naêm tröôùc laø 25.924.740.000 ñoàng.

Thueá giaù trò gia taêng:° Thueá giaù trò gia taêng theo phöông phaùp khaáu tröø: Thueá suaát aùp duïng cho hoaït ñoäng dòch vuï ngaân haøng, baûo laõnh vaø thanh toaùn laø 10%° Thueá giaù trò gia taêng theo phöông phaùp tröïc tieáp: Thueá suaát laø aùp duïng cho hoaït ñoäng kinh doanh ngoaïi teä vaø vaøng 10%.


Tieàn maët 225.123.364.969 226.583.581.225

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc 113.135.835.339 49.421.723.815

Tieàn göûi taïi caùc ngaân haøng khaùc 941.453.321.652 1.038.799.665.119

Coäng 1.279.712.521.960 1.314.804.970.159


I. Toång soá nhaân vieân (ngöôøi) 798 576

II.Thu nhaäp cuûa nhaân vieân (ñoàng)

1.Toång quyõ löông 38.751.953.828 23.767.614.025

2.Tieàn thöôûng 7.370.192.995 2.764.993.379

3.Toång thu nhaäp 46.122.146.823 26.532.607.404

4.Tieàn löông bình quaân/ thaùng 4.046.779 3.438.602

5.Thu nhaäp bình quaân/ thaùng 4.816.431 3.838.630

Tình hình thu nhaäp cuûa nhaân vieân

Tình hình thöïc hieän nghóa vuï vôùi Ngaân saùch nhaø nöôùc

Chæ tieâu Soá coøn phaûi noäp ñaàu naêm

Soá phaûi noäptrong naêm

Soá ñaõ noäptrong naêm

Soá coøn phaûi noäp cuoái naêm

Thueá giaù trò gia taêng1. 79.995.623 756.876.439 727.771.302 109.100.760

Thueá thu nhaäp doanh nghieäp2. 10.336.543.517 32.180.374.104 27.520.256.302 14.996.661.319

Thueá khaùc3. 131.035.910 1.287.536.657 1.275.162.205 143.410.362

+ Thueá thu nhaäp caù nhaân 131.035.910 1.103.459.602 1.091.085.150 143.410.362

+ Thueá nhaø thaàu - 144.694.355 144.694.355 -

+ Thueá moân baøi - 30.000.000 30.000.000 -

+ Thueá khaùc - 9.382.700 9.382.700 -

Coäng 10.547.575.050 34.224.787.200 29.523.189.809 15.249.172.441


Rieâng taïi Coâng ty Quaœn lyù nôï vaø khai thaùc taøi saœn bò loã neân khoâng döï phoøng thueá thu nhaäp doanh nghieäp.

Ngaân haøng noäp theo caùc quy ñònh hieän haønh.

Thueá thu nhaäp doanh nghieäp 2006Naêm tröôùc

Toång lôïi nhuaän keá toaùn tröôùc thueá 53.962.153.382

Caùc khoaûn ñieàu chænh taêng, giaûm lôïi nhuaän keá toaùn ñeå xaùc ñònh lôïi nhuaän chòu thueá thu nhaäp doanh nghieäp:

Caùc khoa- ûn ñieàu chænh taêng -

Caùc khoa- ûn ñieàu chænh giaûm -

Toång thu nhaäp chòu thueá 53.962.153.382

Thueá suaát thueá thu nhaäp doanh nghieäp 28%

Thueá thu nhaäp doanh nghieäp döï tính phaûi noäp 15.109.402.947

Ñieàu chænh chi phí thueá thu nhaäp doanh nghieäp cuûa caùc naêm 39.500.000

Toång chi phí thueá thu nhaäp doanh nghieäp hieän haønh 15.148.902.947

Thueá thu nhaäp doanh nghieäp 2007

Thueá thu nhaäp doanh nghieäp naêm 2007 taïi Coâng ty quaûn lyù nôï vaø khai thaùc taøi saûn

Caùc khoaûn thueá, leä phí khaùc

Thu nhaäp töø hoaït ñoäng kinh doanh

Thu nhaäp töø chuyeån quyeàn söû duïng ñaát Naêm nay

Toång lôïi nhuaän keá toaùn tröôùc thueá 93.688.395.095 13.669.781.524 107.358.176.619

Caùc khoaûn ñieàu chænh taêng, giaûm lôïi nhuaän keá toaùn ñeå xaùc ñònh lôïi nhuaän chòu thueá thu nhaäp doanh nghieäp:

Caùc khoa- ûn ñieàu chænh taêng 600.000 600.000

Caùc khoa- ûn ñieàu chænh giaûm

Toång thu nhaäp chòu thueá 93.688.995.095 13.669.781.524 107.358.776.619

Thueá suaát thueá thu nhaäp doanh nghieäp 28% 28%

Thueá thu nhaäp doanh nghieäp döï tính phaûi noäp 26.232.918.627 3.827.538.827 30.060.457.454

Thueá thu nhaäp doanh nghieäp bo å sung 2.119.916.650 2.119.916.650

Ñieàu chænh chi phí thueá thu nhaäp doanh nghieäp cuûa caùc naêm tröôùc

Toång chi phí thueá thu nhaäp doanh nghieäp hieän haønh 26.232.918.627 5.947.455.477 32.180.374.104

Loaïi hình vaø giaù trò taøi saûn theá chaáp cuûa khaùch haøngChæ tieâu Soá cuoái naêm Soá ñaàu naêm

Taøi saûn theá chaáp, caàm coá 5.517.150.370.697 3.844.923.188.031

Vaøng baïc, kim loaïi, ñaù quyù 64.160.000 -

Nhaø cöûa vaø quyeàn söû duïng ñaát 5.229.446.820.461 3.639.657.488.880

Phöông tieän vaän taûi 132.018.343.700 37.068.309.118

Maùy moùc thieát bò 58.210.311.182 45.080.959.987

Vaät tö haøng hoùa 95.325.735.354 107.543.348.346

Taøi saûn khaùc 2.085.000.000 15.573.081.700

Caùc GTCG caàm coá 252.098.376.338 465.628.606.680

Caùc GTCG do Nam AÙ phaùt haønh 62.052.361.238 67.845.352.680

Caùc GTCG do TCTD phaùt haønh 176.866.000.000 386.953.254.000

Caùc GTCG do TCKT phaùt haønh 12.021.000.000 10.830.000.000

Caùc GTCG khaùc 1.159.015.100 -

Toång coäng 5.769.248.747.035 4.310.551.794.711

Nghóa vuï nôï tieàm aån vaø caùc cam keát ñöa ra

Giao dòch vôùi caùc beân lieân quan

Cam keát thueâ hoaït ñoäng

Möùc ñoä taäp trung theo khu vöïc ñòa lyù cuûa caùc taøi saûn, coâng nôï vaø caùc khoaûn muïc ngoaïi baûng

Teân taøi khoaûn Soá hieäu Soá dö baûo laõnh Soá dö kyù quyõ Soá coøn laïi

Baûo laõnh thanh toaùn 9212 9.789.732.927 159.990.000 9.629.742.927

Baûo laõnh thöïc hieän hôïp ñoàng 9213 5.441.169.817 1.270.250.520 4.170.919.297

Baûo laõnh döï thaàu 9214 726.916.651 726.916.651 -

Cam keát trong nghieäp vuï L/C traû chaäm 9215 4.355.132.701 143.327.895 4.211.804.806

Cam keát trong nghieäp vuï L/C traû ngay 9216 55.235.774.984 6.677.953.351 48.557.821.633

Cam keát baûo laõnh khaùc 9219 631.488.915 41.823.915 589.665.000

Toång coäng 76.180.215.995 9.020.262.332 67.159.953.663

Beân lieân quan


Cho vay cuûa Ngaân haøng

Tieàn göûi taïi Ngaân haøng

Cho vay cuûa Ngaân haøng

Tieàn göûi taïi Ngaân haøng

Thaønh vieân HÑQT & caùc coâng ty do hoï ñieàu haønh - 24.251.476.301 3.066.260.959

Caùc coå ñoâng lôùn & caùc coâng ty do hoï ñieàu haønh - 30.782.104.254 973.871.424

Coâng ty Quaûn lyù nôï vaø Khai thaùc taøi saûn (coâng ty con) - 9.699.390.385 -

Coäng 64.732.970.940 4.040.132.383

Naêm 2007

Caùc cam keát ñoái vôùi caùc thueâ hoaït ñoäng khoâng theå huûy ngang 966.080.000

Trong ñoù:

- Ñeán haïn trong 1 naêm -

- Ñeán haïn töø 2 ñeán 5 naêm 966.080.000

- Ñeán haïn sau 5 naêm -

Toång dö nôï cho vay Toång tieàn göûi CCTC phaùi sinh Kinh doanh vaø ñaàu tö chöùng khoaùng

Trong nöôùc 2.698.695.346.080 2.801.849.647.598 - 306.790.133.438

Ngoaøi nöôùc - - - -

Quaûn lyù ruûi ro taøi chínhRuûi ro tín duïngNgaân haøng söû duïng ñoàng boä caùc bieän phaùp ñeå quaûn lyù ruûi ro tín duïng:° Xaây döïng chieán löôïc tín duïng vaø chính saùch tín duïng phuø hôïp.° Thöïc hieän phaân tích khaû naêng tín duïng cuûa khaùch haøng.° Thöïc hieän quy trình kieåm soaùt ruûi ro tín duïng tröôùc, trong vaø sau khi cho vay.° Thöïc hieän phaân loaïi nôï, trích laäp vaø söû duïng döï phoøng ruûi ro tín duïng ñuùng quy ñònh.

Caùc giao dòch vôùi caùc beân lieân quan theo Chuaån möïc keá toaùn Vieät Nam soá 26 – Thoâng tin veà caùc beân lieân quan.



Chæ tieâu EUR ñöôïc quy ñoåi

USD ñöôïc quy ñoåi

Giaù trò vaøng tieàn teä ñöôïc quy ñoåi

Caùc loaïi ngoaïi teä khaùc ñöôïc quy ñoåi

Toång

Taøi saûn

I-Tieàn maët vaøng baïc ñaù quyù 198.000.400 25.600.017.624 127.817.948.000 160.497.870 153.776.463.894

II-Tieàn göûi taïi NHNN - 14.597.724.568 - - 14.597.724.568

III-Tieàn göûi taïi vaø cho vay caùc TCTD khaùc

1.303.924.018 34.357.549.971 - 366.460.666 36.027.934.655

IV-Chöùng khoaùn kinh doanh - - - - -

V-Caùc coâng cuï taøi chính phaùi sinh vaø caùc TSTC khaùc

- - - - -

VI-Cho vay khaùch haøng - 175.069.032.492 64.930.918.971 - 239.999.951.463

VII-Chöùng khoaùn ñaàu tö - 8.006.000.000 - - 8.006.000.000

VIII-Goùp voán, ñaàu tö daøi haïn

IX-Taøi saûn coá ñònh vaø baát ñoäng saûn ñaàu tö - - - -

X-Caùc taøi saûn Coù khaùc - 717.663.764 173.125.494 - 890.789.258

Toång taøi saûn 1.501.924.418 258.347.988.419 192.921.992.465 526.958.536 453.298.863.838

Nôï phaûi traû vaø voán CSH

I- Tieàn göûi cuûa vaø vay töø NHNN vaø caùc TCTD khaùc

- - - - -

II-Tieàn göûi cuûa khaùch haøng - 216.230.228.253 191.782.260.000 - 408.012.488.253

III-Caùc coâng cuï taøi chính phaùi sinh vaø caùc khoaûn nôï taøi chính khaùc

- 179.122.561 - - 179.122.561

IV-Voán taøi trôï, uûy thaùc ñaàu tö, cho vay maø TCTD chuïi ruûi ro

- - - - -

V-Phaùt haønh giaáy tôø coù giaù -

VI-Caùc khoaûn nôï khaùc - 4.384.496.630 818.559.376 - 5.203.056.006

VII- Voán vaø caùc quyõ - - - - -

Toång nôï phaûi traû vaø voán chuû sôû höõu

- 220.793.847.444 192.600.819.376 - 413.394.666.820

Traïng thaùi tieàn teä noäi baûng 1.501.924.418 37.554.140.975 321.173.089 526.958.536 39.904.197.018

% Traïng thaùi tieàn teä noäi baûng so voán töï coù

0.25% 6.28% 0.05% 0.09% 6.67%

Traïng thaùi tieàn teä ngoaïi baûng - - - - -

Traïng thaùi tieàn teä noäi, ngoaïi baûng

0.25% 6.28% 0.05% 0.09% 6.67%

Ruûi ro tieàn teäNgaân haøng ñieàu chænh traïng thaùi môû veà ngoaïi teä naèm trong giôùi haïn an toaøn trong khaû naêng chòu ñöïng cuûa Ngaân haøng. Hieän nay, Ngaân haøng quaûn lyù ruûi ro chuû yeáu thoâng qua haïn möùc traïng thaùi ngoaïi teä khoâng vöôït quaù 30% voán töï coù.Moïi giao dòch noäi, ngoaïi baûng ñeàu ñöôïc tính ngay vaøo traïng thaùi ngoaïi teä ngay khi phaùt sinh.


Leâ Truùc Phöông Traàn Thò Baûo Traâm Tröông Minh Khai



Baùo caùo kieåm toaùn

Soá: 0400/2008/BCTC-KTTV VEÀ BAÙO CAÙO TAØI CHÍNH HÔÏP NHAÁT NAÊM 2007 CUÛA NGAÂN HAØNG THÖÔNG MAÏI COÅ PHAÀN NAM AÙ

Chuùng toâi ñaõ kieåm toaùn Baùo caùo taøi chính hôïp nhaát naêm 2007 cuûa Ngaân haøng thöông maïi coå phaàn Nam AÙ goàm: Baûng caân ñoái keá toaùn hôïp nhaát taïi thôøi ñieåm ngaøy 31 thaùng 12 naêm 2007, Baùo caùo keát quaû kinh doanh hôïp nhaát, Baùo caùo löu chuyeån tieàn teä hôïp nhaát vaø Thuyeát minh baùo caùo taøi chính hôïp nhaát cho naêm taøi chính keát thuùc cuøng ngaøy, ñöôïc laäp ngaøy 04 thaùng 01 naêm 2008.

Vieäc laäp vaø trình baøy Baùo caùo taøi chính hôïp nhaát naøy thuoäc traùch nhieäm cuûa Ban Toång giaùm ñoác Ngaân haøng. Traùch nhieäm cuûa chuùng toâi laø ñöa ra yù kieán veà caùc baùo caùo naøy döïa treân keát quaû coâng vieäc kieåm toaùn.

Cô sôû yù kieánQuaù trình kieåm toaùn ñöôïc thöïc hieän theo höôùng daãn cuûa Chuaån möïc Quoác teá veà kieåm toaùn vaø caùc Chuaån möïc kieåm toaùn cuûa Vieät Nam. Caùc Chuaån möïc naøy yeâu caàu coâng vieäc kieåm toaùn phaûi laäp keá hoaïch vaø thöïc hieän ñeå coù söï ñaûm baûo hôïp lyù raèng caùc Baùo caùo taøi chính hôïp nhaát khoâng coøn chöùa ñöïng caùc sai soùt troïng yeáu. Chuùng toâi ñaõ thöïc hieän kieåm toaùn theo phöông phaùp choïn maãu vaø aùp duïng caùc thöû nghieäm caàn thieát, kieåm tra caùc baèng chöùng xaùc minh nhöõng thoâng tin trong Baùo caùo taøi chính hôïp nhaát; ñaùnh giaù vieäc tuaân thuû caùc chuaån möïc vaø cheá ñoä keá toaùn hieän haønh, caùc nguyeân taéc vaø phöông phaùp keá toaùn ñöôïc aùp duïng, caùc öôùc tính vaø xeùt ñoaùn quan troïng cuûa Ban Toång giaùm ñoác cuõng nhö caùch trình baøy toång theå Baùo caùo taøi chính hôïp nhaát. Chuùng toâi tin raèng coâng vieäc kieåm toaùn ñaõ cung caáp nhöõng cô sôû hôïp lyù cho yù kieán cuûa Kieåm toaùn vieân.

YÙ kieán cuûa kieåm toaùn vieân Theo yù kieán chuùng toâi, Baùo caùo taøi chính hôïp nhaát ñeà caäp ñaõ phaûn aûnh trung thöïc vaø hôïp lyù treân caùc khía caïnh troïng yeáu tình hình taøi chính hôïp nhaát cuûa Ngaân haøng thöông maïi coå phaàn Nam AÙ taïi thôøi ñieåm ngaøy 31 thaùng 12 naêm 2007, keát quaû hoaït ñoäng kinh doanh hôïp nhaát vaø löu chuyeån tieàn teä hôïp nhaát cho naêm taøi chính keát thuùc cuøng ngaøy, ñoàng thôøi phuø hôïp vôùi caùc Chuaån möïc vaø Cheá ñoä keá toaùn thoáng nhaát cuûa Ngaân haøng Nhaø nöôùc Vieät Nam hieän haønh vaø caùc qui ñònh phaùp lyù coù lieân quan.

Coâng ty TNHH Kieåm toaùn vaø Tö vaán (A&C)

COÂNG TY TNHH KIEÅM TOAÙN VAØ TÖ VAÁN (A&C)



Annual Report 200772

“...Over 15 years of building and growing up, overcoming so many difficulties to gain the sustainable development today, each shareholder, each officer and each employee of Nam A Bank, is proud of the Great Family of Nam A Bank. In the new and coming period, we shall have to face many difficulties and challenges. Deeming difficulty to be a test on its persistence and determination to develop and go ahead, Nam A Bank shall make incessant efforts of perfecting itself, building the firm confidence from customers, with commitment to respecting for our customers’ interests and increasing our shareholders’ values...”

Annual Report 2007 73



In 2008, Nam A Bank shall strive to fulfil the following orientations in its operations:

* Build and develop the Bank, aiming to maximize the profit, better and better meet the customers’ needs, incessantly enhancing the Bank’s competitiveness. Step by step, Nam A Bank shall become a multi-purpose one with fast and sustainable growth...

* Continue to supplement the registered capital to 2,000 billion dong in end 2008, by issuance of new shares.

* Adjust the organizational structure to meet the developing requirements in 2008.

* Recruit and train qualified officers and employees.* Speed up the Bank’s operations; strengthen the capital mobilization

from different economic sectors; and at the same time develop safe and effective credit faciclities.

* Develop new products, new banking services and apply such banking services as Internet Banking, Home Banking, Mobile Banking.

* Expectedly, towards end 2008, Nam A Bank shall develop its widespread operating network with the increase of 7 branches and 22 Transaction Offices.

* In addition, such operations as financial investment, commercial investment via the investments in different businesses, investment funds, project investment, investments in other credit organizations in form of investment capital contributions, joint ventures, affiliation, sale and purchase of securities…

On behalf of the Board of Directors, I am heartily grateful to the State Bank on its different levels, the relevant ministries and departments for their kind attention and support for Nam A Bank during the past period. With the confidence, and close cooperation from our customers and partners, domestic and overseas, together with the great contributions from all the officers and employees of the Bank, I do believe that Nam A Bank shall outstandingly attain the goal for 2008, as set out by the Shareholders’ General Meeting.

Best regards,

Mr. Nguyen Quoc MyPresident of Board of Directors

Ladies & Gentlements,

After officially acceding to the World Trade Organization (WTO), Vietnam continued to be elected as one of the two non-standing members of the U.N. Security Council in Asia, term 2008 - 2009. Last year, our national economy attained high and stable growth (8.48%), with a record in direct foreign investment capital (20.3 billion USD), greatly exceeding the plan … Beside the achievements already made, in 2007 Vietnam also had to confront with the situation of sudden increase of consumer goods prices, high import surplus and the quality of certain part of people’s living has not yet been enhanced corresponding to the economic growth.

In such boisterous economic context in 2007 Nam A Bank did make encouraging achievements, specially as: * Registered capital amounted to 575,925 million dong, increased

to 4.71% compared with that in 2006.* The network system was expanded with 01 Branch and 13

Transaction Offices, with total dealing units of the Bank amounted to 45 units.

* As to the operating results, the Bank’s total assets was increased over 35%, total mobilization increased 42%, total lending balance increased 32%, and profit after tax increased over 92% compared with 2006.

Over 15 years of building and growing up, overcoming so many difficulties to gain the sustainable development today, each shareholder, each officer and each employee of Nam A Bank, is proud of the Great Family of Nam A Bank. In the new and coming period, we shall have to face many difficulties and challenges. Deeming difficulty to be a test on its persistence and determination to develop and go ahead, Nam A Bank shall make incessant efforts of perfecting itself, building the firm confidence from customers, with commitment to respecting for our customers’ interests and increasing our shareholders’ values.

Message from the President of the Board of Directors



Profit before tax

107billion dong


Nam A Commercial Joint-stock Bank officially entered its operations on October 21, 1992 under Decision No. 0026/NHGP dated August 22, 1992 by the State Bank of Vietnam, on the basis of merging the three Credit Cooperatives of An Dong, Thi Nghe and Tan Dinh. Starting with registered capital of only 5 billion dong and 50 officers and employees, its network began to operate mainly in the outlying districts with monotonous operating scope.

After 15 years’ operations, Nam A Bank has made many great changes with encouraging achievements. Within the recent 5 years, Nam A Bank’s growth rate has been always high, particularly its profit after tax in 2007 was increased 92.07% compared with 2006. The distributed dividends in 2007 reached 10.15%. It network of branches was widely developed and to date Nam A Bank already has 45 dealing units nationwide. The Bank’s registered capital was increased 115 times, i.e. from 5 billion dong at the beginning amounted to 575 billion dong as at December 31, 2007, and the number of its officers and employee was increased 16 times compared with that in 1992.

Nam A Bank mainly operates in: Capital mobilizing and lending, short-term, medium-term, and long-term; Discounts of commercial documents and valuable papers. Investments in securities and economic organizations. Settling agency for customers; fund services; expatriate money transfer and express domestic money transfer; and payment guarantee. Bullion and foreign currency trade.

Up to end 2007, the Bank’s operating network consisted of 45 dealing units, i.e. 01 Head office, 15 branches, 29 Transaction Offices in key economic areas, 01 Debt and Assets Management Company belonging to Nam A Bank.

Nam A Bank’s products and services are relatively diverse with continually improved quality, towards a multi-purpose e-bank with such modern products and services as:

a. Bank deposits:· Payment deposits· Savings deposits

b. Credits:· Lending to supplement working capital.· Lending to implement investment projects.· Lending for consolidated capital.· Lending with overdraft limit.· Lending to finance import, export.· Lending to consumers.· Lending for encumbrances, discounts of savings books and valuable documents.· Lending for foreign study.· Lending for cooperative employment.· Lending in the framework of “Rural Financial Project 2” (RDF II)

c. Guarantee services :· Guarantee for borrowing.· Guarantee for payment.· Guarantee for bidding.· Guarantee for contract performance. · Guarantee for product quality warranty.· Guarantee for advance repayment.· Corresponding guarantee.· Confirmation of guarantee.· Other legal guarantees in accordance with international practices.

Nam A Bank’s development

process

Nam A Bank’s major operations

Operating market

d. Money transfer: · Domestic money transfer. · Remittance to abroad.· Money receipt.· Quick money receipt services of Western Union.

e. International payment :· Open, correct, settle, notify Letters of Credit.· Receive, send, settle in mode of authorized payment (DP, DA).

f. Foreign currency trade: · Spot dealing.· Forward dealing.

g. Fund services :· Authorized payment of wages.· Custody of valuable documents, money, metals. VND, USD, gold checking and counting.· Cash receiving and spending at the address

requested by Customers.· Money transport at customers’request, in HCMC.

h. Other services:· Balance confirmation.· International payment (Master Card, Visa Card).· Accepting those foreign exchange agents for

Nam A Bank.


In addition to its traditional operations, Nam A Bank has operated in financial investments and trading investments via the investments in different businesses, investment funds, projects, and in other credit organizations in form of investment capital contributions, joint venture, affiliation, securities trade.

During the recent years, Nam A Bank has been known as one of the commercial joint-stock banks with stable and sustainable development, rated with Grade A by the State bank for many successive years.

In 2007, the Bank received Certificate of “National Famous Brand” presented by Vietnam Association of Intellectual Property, and the title of “One of the 500 Largest Businesses in Vietnam” published in the list of Top 500 Largest Businesses in Vietnam (VNR500), title of “Golden Trade Mark” awarded by Vietnam Association of Trade Mark Protection; and title of “Top Trade Services” awarded by Ministry of Industry and Trade; on the occasion of the 15th anniversary of its establishment, Nam A Bank also had the honour to receive the Letter of Commendation from the Government Prime Minister, Letter of Commendation from Ho Chi Minh City People’s Committee.

Realizing that one of the key factors helping the Bank make success is the very confidence from its customers, Nam A Bank has striven with great efforts, continually doing research and implementing several policies on personnel renovation information technology (IT) modernization, consolidating and expanding its operating network, joint venture and affiliation with foreign partners, diversifying and enhancing the service quality. Having performed the foregoing, Nam A Bank longs for bringing about the highest benefits to those customers who utilize the financial products and services provided by the Bank. The customers’ trust has been clearly shown via the results of mobilization and lending growth over several years, particularly in 2007 the mobilization, from market 1 increased 48.39%, lending balance increased 31.8% compared with those in 2006.

Not only having the confidence from its customers, in other banks Nam A Bank has created their trust and the growth of capital source mobilized from the inter-bank marker in 2007 (increased 32.4% compared with 2006). In international relations, Nam A Bank has always fulfilled its commitments. Therefore, Nam A Bank has been one of the familiar and prestigious trade marks in the international market, and a trustful settling agent for Vietnamese businesses. This is shown in data of international payment turnover always being increased over years, particularly in 2007 the import, export turnover reached 67.61 million USD, increased 73.64% compared with 2006.

With the common development of the economy, Nam A Bank is making great efforts to build and perform those strategies and tactics, creating breakthroughs and asserting its position, in the domestic and international markets.

· Having medium-size financial capacity among the group of urban commercial joint-stock banks, Nam A Bank can maintain and raise its capital safety coefficient, and increase the ability to meet customers’ needs of capital. At the same time, Nam A Bank shall make favourable conditions for investing in the development of its IT system and operating network.

· Nam A Bank has an operating network with many dealing units in Ho Chi Minh City and in other localities nationwide, which facilitate its market expansion and development and access to new customers.

· Operating efficiency: Nam A Bank’s operations are carried out quite well and continually improved. Those groups of business targets, and solvency are above average and tend to have positive development.

· The Banks’ executive and managerial system and controlling machinery are continually improved in accordance with the banking regulations, policies and standards and international standards. Moreover, its organizational structure is also improved to meet the needs of development, increase of competitiveness and international integration.

· Nam A Bank’s human resources and leadership are those with years’ experience in the fields of finance and banking, and executive management. In addition, the Bank also has a team of youthful workforce, most of them are university graduates, full of enthusiasm, rendering thoughtful and professional services to customers.

· Recognizing the IT role in banking activities, Nam A Bank is investing in the building of Corebanking system, meeting the needs of information processing, enhancing the managerial quality, and paving the way for the application and expansion of e-banking services and other modern banking services.

Other fields of operations

Nam A Bank’s position

In the current trend of integration into the world’s economy, and grasping opportunities of investment capital attraction, and technological transfer, the Bank, on of the other hand, is also facing great challenges when the foreign banks are making more and more expansive operations in Vietnamese market.

In such context, Nam A Bank has established a long-term development strategy to consolidate its stand in the banking market, continually enhancing its competitiveness via the expansion of its operations, and at the same time developing a banking system, diversified with several utilities, and oriented towards the needs of the economy, on the basis of enhancing the quality and efficiency of the traditional banking services. On the other hand, the Bank also makes quick access to and develop those new forms of services with highly technological content.

Nam A Bank’s general target is that up to 2020 it shall become one of the retail banks, multipurpose and modern, with service quality equal to that of the large ones in South-East Asia.

Nam A Bank’s operating motto is to ensure its operations with fast and sustainable rate of growth, under the market principles, with main objective of profitability, and apply the international and standards to its operations.

Nam A Bank strives to ensure, up to 2020, those operating targets of registered capital, total assets, capital mobilization balance, lending balance, and profit before tax reaching high growth rates.

· Strengthen its managerial capacity via re-structuring its organization and operations, clearly distinguishing between the functions, tasks and rights of the Board of Directors and the Executive Board; expand its operating scale parallel with strengthening ist self-control capacity, risk management; ensure business safety and efficiency, and develop its banking management system in accordance with the international practices and standards and the reality in its operations.

· Strengthen its financial capacity via the continued increase of its registered capital, assets, plus the enhancement of operating quality and profitability, preventing and limiting any risks in doing business.

· Look for strategic partners by allowing the foreign investors, particularly those banks with high financial potentialities, technologies, management and prestige, to purchase its shares and take part in the Bank’s management and executive activities...

· Expand its operating network in those key economic areas nationwide, under its yearly operating plan.· Continue to build an internal managerial regulations, and complete its professional procedures to ensure unified

and effective business activities.· Attract, train and develop human resources, enhancing the quality of recruitment, deployment and training of

officers and employees, to meet the need of development and expand the Bank’s operating scale and network in each stage.

· Seriously perform the rates of safety assurance in banking activities, particularly maintain the level of owned capital to suit the scale of credit assets on the basis of capital safety performance min. 8% as stipulated by the State Bank.

· Diversify the products of banking services, striving to gradually increase the rate of non-lending revenues to 40% of the Bank’s total revenues...

Nam A Bank’s operating objectives: To build and develop Nam A Bank into a multipurpose bank, operating in many fields and under international practice. With the objective of maximizing profit, ensuring its fast and sustainable development, Nam A Bank continues to enhance the quantity of products and services, better and better meet the needs of customers, and developing a high-qualification staff to continually strengthen the Bank’s competitiveness.

Basis targets of operations during the period of 2008-2012:

· Registered capital: Continued to issue certain amount of shares to increase the registered capital as well as strengthening the Bank’s financial capacity, and ensuring its sustainable development. Expectedly, the registered capital shall be increased 20 – 25% p.a., suitable to the high growth rate in banking field, ensuring the owned capital source to invest in developing the Bank’s infrastructure and business activities.

Nam A Bank’s long-term

development strategy

Nam A Bank’s specific objectives

and essential programs until

2020

Nam A Bank’s operating plan

from present to 2012



· Total assets: The average growth rate of total assets from present to 2012 is expected to 2012 is expected to reach 80%/p.a.

· Capital mobilization: The average growth rate of mobilized capital from present to 2012 is expected to reach 70%/p.a.

· Credit activities: The total lending balance from present to 2012 is expected to reach average growth rate of approx. 60%/p.a.

· Profit and financial targets: The profit before tax is envisaged to increase in average 50 - 60% p.a. compared with the previous year, and the rate of profit to total assets (ROA) in 2012 is expected to reach 1.7 - 1.8%/ p.a.

Measures of performance:

· Adjust the organizational structure to suit the development strategy in each period, wherein different functions should be differentiated, separating the risk management function from the business function.

· Employ, recruit, and train qualified officers and employees and deploy them to suitable positions from different levels of executive officers to professional staff, capable of fulfilling their tasks as set out in the plan for each year.

· Speed up the banking operations, strengthen the capital mobilization from different economic sectors and at the same time develop the lending services, wherein is emphasized the lending to highly feasible economic projects, medium-size and small-size businesses, in service to the economic development, to those farming producers from the capital source of RDF II; and to consumers and other borrowers. Focus on the studying and launching of those new credit products, attractive and appealing to customers.

· Invest, research, and develop those banking services more and more diversified, increasing the rate of revenues from services to over 5% of the Bank’s total revenues; especially continue to enhance the quality of services to customers.

· Focus on investing and developing such new fields of business as cards, securities, financial investments and certain other business activities to increase the Bank’s profit...

· Develop a widespread operating network, to increase the number of total dealing units to 150 units up to end 2012.

· Invest in material premises, ensuring better and better services in such banking activities as investment in building the new Head Office at 201-203 CMT8 St., District 3, Ho Chi Minh City; invest in the purchasing , building and repairing those branch offices in Ha Noi, Hai Phong, Quy Nhon, Nha Trang, Can Tho...

· Actively invest in Information Technology (IT), making favourable conditions to develop those banking services suitable to the developing trend in the field, and the integration into regional and international markets.

· Speed up the development of trade mark; establish strategy and organize the performance of Marketing Strategy of Nam A Bank suitable to each year’s operations, aiming to make maximal profit from all the operations of Nam A Bank.

· Particularly emphasize the internal auditing, whereby inspecting and checking the effectiveness and efficiency of the internal inspecting and controlling system, so that the Bank can always proactively limit any risks in business activities, for a Nam A Bank with more and more sustainable, safe and effective development.


billion dong

Registered capital

575


billion dong

Registered capital


Highlighted events in 2007

The year 2007 saw an important milestone marking 15 years’ building and development by Nam A Bank. That was the time when the Bank continued to enhance its financial capacity to expand its operational scale, and invest in technologies and human resources, typical as follows:

With widespread developing network system, specifically the Bank already further developed 14 new Branches/Transaction Offices, with total dealing units of Nam A Bank amounted to 45 units nationwide.

Registered capital reaching 575 billion dong, increased 110 times higher than that upon the date of establishment, and profit before tax reaching 107 billion dong, double that in 2006.

Attracting, training and developing human resources are those factors being given the first priority by the Bank’s leadership, to meet the needs of a modern business environment. The number of the Bank’s employees has been remarkably increased, from 50 persons upon its establishment to 798 persons in end 2007.

* In January 2007, Nam A Bank’s Debts & Assets Management Co. (AMC) officially entered operations.

* On July 05, 2007, Nam A Bank entered into an agreement on companionship cooperation, with Bank of Investment & Development in Vietnam (BIDV).

The year 2007 saw an important milestone marking 15 years’ building and development by Nam A Bank. That was the time when the Bank continued to enhance its financial capacity to expand its operational scale, and invest in technologies and human resources, typical as follows:

* On July 10, 2007, Nam A Bank successfully organized its Shareholders’ General Meeting, term V (2007-2011).

* On August 22, 2007, Nam A Bank signed a contract with Southern Bank to establish Southern Insurance Co.

The trade mark of Nam A Bank has been recognized by consumers, and the competent Authorities via such valuable rewards as:

* “Top Trade Services” awarded by Ministry of Industry and Trade in December 2007.

* “Golden Trade Mark” awarded by Ministry of Industry and Trade and Vietnam Association of Trade Mark Protection (VATAP) in November 2007.

* The Bank also received the Certificate of “National Famous Brand” presented by Vietnam Association of Intellectual Property.

* The title of “One of the 500 Largest Businesses in Vietnam” published in the list of Top 500 Largest Businesses in Vietnam (VNR500).

* On the occasion of the 15th anniversary of its establishment, Nam A Bank also had the honour to receive the Letter of Commendation from the Government Prime Minister, Letter of Commendation from Ho Chi Minh City People’s Committee and Letter of Congratulation form the Governor of State Bank of Vietnam.


There are both opportunities and challenges on the way ahead;

however, with its experiences and internal forces which have been

accumulated for quite a long time, Nam A Bank shall certainly achieve

new successes.


Management of Nam A Bank

Mr. Nguyen Quoc MyPresident of Board of Directors

Mr. Phan Dinh TanMember of Board of Directors

Mr. Huynh Thanh ChungMember of Board of Directors

Mrs. Nguyen Thi Xuan LoanMember of Board of Directors

BOARD OF MANAGEMENT

Qualification: Bachelor of EconomicsWorking process: Before investing in Nam A Bank, Mr. Nguyen Quoc My already undertook the offices of Managing Director at Hai Vuong Co., Ltd, and Sao Mai Co., Ltd. In 2001, Mr. My was elected by the Shareholders’s General Meeting as a member of Nam A Bank’s Board of Directors. Later, he was elected to the office of President of Nam A Bank’s Board of Directors. Mr. Nguyen Quoc My is also the Chairman of Credit and Investment Council, Chief of Managing Section of IT Network Establishment Project, and Chairman of Nam A Bank’s Risk Handling Council.

Qualification: Associate of Economic Management Working process: Mr. Tan has been the General Director of Hoan Cau Co., Ltd since 1990. In 2003, Mr. Tan was elected as a member of Board of Directors, and later he was elected to the office of President of Board of Directors, and currently he is also Chairman of Nam A Bank’s Discipline Council.

Qualification: BaccalaureateWorking process: Mr. Chung began his work at Nam A Bank in 2007 as a Member of Nam A Bank’s Board of Directors. Previously, Mr. Chung went through many different positions as Chief Accountant of Thang Loi Garment Enterprise, Deputy Director of Hong Ngoc Co., Ltd, Director of Thanh Cong Co., Ltd. From 1997 to present, he was General Director of Hai Vuong Joint-stock Co., and President of Board of Directors of Thanh Cong Joint-stock Co.

Qualification: Master of Business Administration Working process: Mrs. Loan received her MBA Diploma at Richmond International College – Canada. Before joining the Board of Directors of Nam A Bank, Mrs. Loan was once President of Son Hai Co., Ltd. Mrs. Loan is currently President of Board of Directors of Thanh Yen Joint-stock Co., General Director of Indochina Stone Vietnam Co. Besides, Mrs. Loan is also Chairperson of Assets Handling Council, and Chief of Nam A Bank’s Financial Section.


Mr. Nguyen Van DauChief of Controller Committee

Mr. Trang Xuan Tung Controller

BOARD OF SUPERVISORY

Qualification: Bachelor of EconomicsWorking process: Mr. Dau has had over 40 years’ experience in banking and financial activities. Before working at Nam A Bank, Mr. Dau already worked at State Bank of Tuyen Quang Province and State Bank of Ninh Binh Province, Deputy Director of State Bank of Quang Duc Province, Specialist of Economic and Planning Department, Specialist of Monetary Circulation Department of Central State Bank at No. 17, Ben Chuong Duong St., Ho Chi Minh City; Monetary Specialist of State Bank Region I of No. 17, Ben Chuong Duong St., Ho Chi Minh City, and Chief of Monetary & Treasury Office of State Bank in Ho Chi Minh City. At Nam A Bank, Mr. Dau has assumed those offices of General Inspector of Nam A Bank, Deputy General Director, Chief of Internal Inspection & Control Office. Since March 1999, Mr. Nguyen Van Dau has been elected as Chief of Nam A Controller Committee.

Mrs. Trieu Kim CanController

Qualification: Bachelor of Economics Working process: Mrs. Can has been elected as a Controller of Nam A Bank since 2003. Before working at Nam A Bank, Mrs. Can had worked at Personnel Office of State Bank of Tay Ninh Procince, Monetary Office of State Bank of Tay Ninh Province, and Financial Department of Material Provision Co. of Union of Irrigation Building Enterprises 4.

Qualification: Bachelor of Economics Working process: Mr. Tung has had 17 years’ experience in the field of banking. Mr. Tung began to worked at Nam A Bank since 2004, assumed those positions of Credit Officer, Chief of Internal Inspection & Control Office. Before working at Nam A Bank, Mr. Tung had worked at such Banks as Saigon Thuong Tin Commercial Joint-stock Bank, and Tan Viet Commercial Joint-stock Bank. In July 2007, Mr. Tung was elected as a Controller of Nam A Bank. Currently, Mr. Tung is also the Chief Internal Auditor of Nam A Bank.


Mr. Truong Minh KhaiGeneral Director

Mr. Lai Quoc TuanDeputy General Director

Mrs. Vo Thi Tuyet Nga Deputy General Director

BOARD OF DIRECTORS

Qualification: Bachelor of EconomicsWorking process: Mr. Khai began to work at Nam A Bank in 2005 in the position of Standing Deputy General Director, and then appointed to the title of General Director of Nam A Bank since November 2007 up to present. Before working at Nam A Bank, Mr. Khai has had many years’ experience in the role of a manager, running a business, such as Chief of Planning and Import-Export Department, United Company of Import & Export, Nghia Binh Province; Chief of Commercial Department, Managing Director, Director of Khanh Hoa Beer Co., Ltd; Member of Board of Directors cum Deputy General Director of Rong Vang Beer Joint-venture Co., Director of Suoi Tien Co., Ltd cum Director of Managing Committee of Investment Project of Suoi Tien Beverages Factory, Khanh Hoa Province; and First Deputy General Director of Hoan Cau Co., Ltd.

Qualification: Bachelor of EconomicsWorking process: Mr. Tuan has had nearly 17 years’ working experience in banking and finance. Before working at Nam A Bank, Mr. Tuan already worked at certain agencies such as Representative Office of Vietnam Marine Department, Foreign Currency Expert at Marine Commercial Joint-stock Bank, Financial Director of Ha Noi-Fortuna Joint-venture Co., in charge of Credit Department and Investment & Securities Department at Postal Finance Co., Chief of Capital Source Office of VIBANK, Deputy General Director of Eastern Commercial Joint-stock Bank, Ha Noi Branch. Currently, Mr. Tuan is undertaking the position of Deputy General Director in charge of Northern Bloc cum Director of Ha Noi Branch, Nam A Bank.

Qualification: Bachelor of EconomicsWorking process: Mrs. Nga has had nearly 20 years’ working experience in finance and banking. Mrs. Nga began to work at Nam A Bank in 1992 and already assumed many titles such as Chief Accountant of Branch, Secretary of Board of Directors Office, Controller, Chief of Accounting Department cum Chief Accountant of Head Office, and Branch Director. Currently, Mrs. Nga is undertaking the position of Deputy Director in charge of Operational Bloc, Nam A Bank.


Mr. Nguyen Danh Thiet Deputy General Director

Mr. Tran Ngoc TamDeputy General Director

Mr. Le Khanh Hien Deputy General Director

Qualification: Master of EconomicsWorking process: Mr. Hien received his diploma of Master of Economics, specialized in Finance & Banking at Academy of Banking, graduated from Program of Advanced Financial Management and a member of American Academy of Financial Management (AAFM). At present, Mr. Hien is a learner of the British Association of Chartered Certified Accountant (ACCA). Before working at Nam A Bank, Mr. Hien has had 10 years’ working experience at Ho Chi Minh City State Bank, in the positions of Foreign Exchange Management Expert; Banking Management Expert; member of Supervision Group and special controlling group at certain commercial joint-stock banks in Ho Chi Minh City. Mr. Hien has been in the offices of Chief of Board of Directors Office; Asst. Chief of Regulation & Professional Procedure Building Committee; Member of Credit & Investment Council, and currently in the position of Deputy General Director in charge of Risk Management Bloc of Nam A Bank.

Qualification: Bachelor of EconomicsWorking process: Mr. Thiet has had over 10 years’ working experience in finance and banking. Before working at Nam A Bank, Mr. Thiet already took charge of fisheries import & export business at Viet Thanh Trading Co. and Representative Office of S.I.2A Group (France) in Vietnam; Short-term Credit Expert of Vietnam Investment & Development Bank, Ho Chi Minh City Branch. Mr. Thiet began to work at Nam A Bank in July 2003 in the position of Internal Controller, Director of Nga Bay Branch, Chief of Credit Section at Head office of Nam A Bank. Currently, Mr. Thiet is appointed to the position of Deputy General Director in charge of Business Bloc I, Nam A Bank.

Qualification: Bachelor of EconomicsWorking process: Mr. Tam has had over 10 years’ working experience in finance and banking. Before working at Nam A Bank, Mr. Tam had been a credit officer at Dai Nam Bank, Southern Bank. Mr. Tam began to work for Nam A Bank in October 2003 in the role of a Credit Expert. After that, he undertook such titles as Director of Quang Trung Branch, Director of Nam A Bank’s Debt & Assets Management Co.. Currently, Mr. Tam is appointed as Deputy General Director in charge of Business Bloc II, Nam A Bank.


Board of Directors: is the managerial body of Nam A Bank, having the full right to act in the name of Nam A Bank, making decision on those issues relating to the Bank’s purposes and interests, except those matters under the authority of the Shareholders’s General Meeting. The Board of Directors is assisted by its office, and plays the role of yearly strategic orientation and operating plan, and gives guidance and supervises the Bank’s operations via the Executive Board and the Councils.

The Board of Directors has the tasks of planning the direction and lines, objectives, policies and promulgating the internal regulations and stipulations and monitoring the process of organizing and implementing of different levels of the executive machinery.

Controller Committee: Is the body that controls the financial activities of Nam A Commercial Joint-stock Bank, supervising the compliance with the book keeping and accounting regime, activities of the Bank’s internal inspection & control system. The Controller Committee is assisted by the Internal Auditing Committee.

Advisor Committee: Gives advice to the Board of Directors on the managing and running of Nam A Bank’s operations, the development of banking products and services, of human resources, external activities, investment activities, joint ventures, affiliations.

Credit & Investment Council: Reviews those lendings or guarantees exceeding 5% of the registered capital; reviews schemes of investment and cooperation, joint-venture capital contribution to other units; and supervises the overdue debt recovery.

Assets Handling Council: Consults, gives opinions to the Board of Directors, and General Director in effectively organizing the management, utilization, purchase and sale of Nam A Bank’s assets.

Personnel & Wages Council: Considers those matters relating to the regime on recruitment and wages and salaries of Nam A Bank’s officers and employees.

Emulation & Commendation Council: Proposes, assesses the results of emulation & commendation at Nam A Bank.

Discipline Council: Consults the Board of Directors and General Director in making decision on disciplining those officers or employees with violations throughout Nam A Bank’s system.

Risks Handling Council: Considers the appropriation for risk allowance, and makes decisions on risk handling as stipulated, and supervises the debt recovery.

Financial Committee: Supervises, monitors, and inspects the capital source, and utilization of capital; consults and gives opinions to the Board of Directors in making decision on the plan of long-term spendings and asset procurement.

Board of Directors Office: Assists the Board of Directors in the synthesis and management of the Bank’s operations under the resolution of the Shareholders’General Meeting, and the program, working plan already passed by the Board of Directors, gives advice to the Board of Directors on performing the functions of managing Nam A Bank’s operations.

Internal Auditing Committee: Performs the auditing of Nam A Bank’s business activities.

Role, tasks and responsibilities of

Board of Directors

The Committees and Councils

of the Board of Directors


The General Director: is the one who is responsible to the Board of Directors, and to the Law for running the daily activities of Nam A Commercial Joint-stock Bank. The General Director is assisted by a number of Deputy General Directors, Bloc Directors, Chief Accountant and the professional machinery, specified as follows:

Deputy General Director: Assits the General Director in running one of the fields in the Bank’s activities, as assigned by the General Director; is responsible to the General Director and to the Law for his/her tasks as assigned by the General Director.

Bloc Director: Assists the General Director in managing and running the activities of his/her Bloc as assigned by the General Director.

Chief Accountant: Assits the General Director in giving guidance on performing the accounting and statistics of Nam A Commercial Joint-stock Bank; and has those rights and tasks as stipulated by Law and the Charter of Nam A Commercial Joint-stock Bank.

Professional Machinery: Has the functions of advising and assisting the Board of Directors and the General Director in managing and running the business. The professional machinery of Nam A Bank consists of:

° Operational Bloc: Manages and runs those activities in the operating system in support for the business activities, including those Departments of Accounting, International Payment, Funds, and Card Management.

° Northern Bloc: Manages and runs the activities of Nam A Bank in the North, directly manages Ha Noi Branch, Hai Phong Branch, and others.

° Supportive Bloc: Manages and runs the activities in support for all the business operations, including those Departments of Personnel, IT, Administration & Management, and Tifa Section.

° Risk Management Bloc: Manages and runs the activities to minimize any risks that may occur in the business activities, including those Departments of Credit Management, Legislation & Overdue Debts Recovery, and Risk Management.

° Business Bloc I: Manages and runs the business in different Branches; advises and assists the Bloc Director in managing and running the business of the Credit Department.

° Business Bloc II: Manages and runs the activities in supporting and developing the business activities, including those Departments of Capital Source, Foreign Exchange Trade, Financial Investment, and Affiliates Management.

° Marketing Bloc: Manages and runs the activities in supporting and developing the business activities, market & trade mark development, including Department of Customers Development, and Marketing Department.

° General Planning Office: Advises and assists the General Director in planning, synthesizing, supporting and making strategy to develop every activity in the Bank.

Managerial & Executive Machinery


Risks of Interest RateThe risks of interest rate occurs when there is many movements of market interest rates which has impact on the Bank’s revenue and operational costs. To control the risks of interest rate, Nam A Bank has been applying a policy on risks of interest rate management based on the analysis and assessment of the differences in term, interest rate of those entries in capital source and assets, wherefrom specific measures of handling are set out:° The Head office makes the centralized management of capital trade.° Make the lending with floating interest rates which allows the Bank to flexibly change the lending interest rate

to suit the market movement;° Maintain the reasonable interest rate difference between the input and output, and comply with the regulation

on capital safety by the State Bank.

Credit RisksCredit risks are the possibilities of loss occurring in Nam A Bank’s activities due to customers’ failure to fulfil or inability to fulfil their obligations as committed. To manage the credit risks, Nam A Bank is currently applying certain following measures:° Comply with the State Bank’s Regulations on credit business, and capital safety rate; ° Perform the regime on training and refresher course to enhance the professional levels of those officers and

employees who run the credit business;° Build and perfect, step by step, those policies on risk management, particularly credit risks; stipulations on

decentralization and approval limits,...;° Build a credit policy towards products diversifying;° Standardize the credit procedure with tight stipulations on checking, applying the unified tabulation systemwide;° Classify, manage and handle bad debts;° Make the appropriation for risk allowance as stipulated.

Foreign Exchange RisksThe foreign exchange risks arise when there is any movements of exchange rates reducing the values of those “Credit” and “Debits” in foreign currencies and gold.

To minimize the foreign exchange risks, Nam A Bank has built and performed a policy on foreign exchange risks management as follows:

° Comply with the State Bank’s Regulations; ° Manage the open state of foreign exchange;° Control risks via those stipulations clarifying the functions of different sections and departments; make stipulations

on decentralization, transaction limit, limit of loss;° Diversify the derivative products.

Liquidation risksOperating in a field very sensitive to the market fluctuations, with false rumors possibly affecting the business activities, Nam A Bank implements such measures to control the liquidation risks as follows:

° Nam A Bank maintains those rates which can ensure its liquidity, and deposit insurance under the State Bank’s Regulations.° The Head Office centrally manages its capital sources, ensuring the liquidity throughout the system, via the

study, and analysis of term deviation, term predicting, evaluating those spendings mainly affecting the incoming and outgoing cash flow, wherefrom setting out those limitation indexes, list of reasonable investments with high liquidity which can be changed into cash to meet the needs of regular or irregular money draft by customers.

° Nam A Bank always follows up, analyse and assesses and has the responsibilities to make announcements helping its customers and shareholders well understand any of its activities, limiting those false rumours which possibly affect its operations.

Risk Management


Risks from off-Balance-Sheet ActivitiesMost L/C guarantees, and lending commitments by Nam A Bank have secured assets; therefore, the possibilities of the above items to cause movements affecting Nam A Bank’s financial conditions are very low.

Legal risksAs a public company operating in the financial and monetary field, Nam A Bank always complies with the provisions of Law, of the State Bank, and the State Committee for Securities. As a result, any amendments of those legal documents and norms relating to banking activities does directly affect Nam A Bank’s operations.

However, in the orientation of stable and long-term business development, transparent financial conditions and managerial experiences, Nam A Bank shall quickly adapt to the change of regulations.

Operating RisksThe Bank’s operations are subject to many risks, mainly as:° Credit risks;° Liquidation risks;° Market risks: are those risks arising when there is any extraordinary changes in interest rates, exchange rates,

the prices of those securities held by the Bank, and the values of other assets owned by the Bank during the process of its business activities.

° Operational risks.

Among the above-said risks, the credit risks when occurring would greatly affect Nam A Bank’s business activities, because its current major activities are lending. Consequently, Nam A Bank Leadership has performed a direction of diversifying its products and services, and its borrowers, making adequate appropriation as stipulated, building a tight credit procedure, and enhancing the credit officers’ professional levels... to minimize the loss when any credit risks occurs. ° With a plan of speeding up, and diversifying its list of investments to increase profit and reduce the dependence

on those revenues from credit activities, in the conditions of the stock market with many fluctuations, and with a forecast of interest rate movements in the time to come, and possible occurrence of liquidation risks and market risks, the Leadership had built any performed a policy on capital management; careful choice and tight management of investment lists,... to proactively handle and limit losses when any risks occurs.

° To control operational risks, Nam A Bank has established a tight system of inspection and control, ensuring that all the transactions are checked prior to their performance.

Other Risks (acts of God, acts of enemies, fire, explosion,...)To limit losses when any risks of acts of God, acts of enemies, fire, explosion… occurs, Nam A Bank already effected deposit insurance as stipulated by the State Bank, establishing a scheme of data safeguarding in any event of risks due to force majeure, and a scheme of fire control, and asset insurance.



In 2007, the economy of Vietnam continued to have stable development, reaching high growth rate of 8.48%, with the foreign investment capital (FDI) of 20.3 billion USD, and increased import, export turnover. However, the business environment of commercial banks encountered certain unfavourable factors such as high rising inflation, unexpected movements of domestic gold prices, the mandatory rate of reserves was adjusted higher by the State bank.

In such context, thanks to its rightful orientation of development, Nam A Bank already attained certain remarkable results as follows:

* In 2007, all our business targets grew higher than those in previous year, of which Nam A Bank’s profit before tax reached over 107 billion dong, increasing 98.96% compared with that in 2006, and higher than total profit of the three consecutive previous years.

* As to those safety targets in business activities, Nam A Bank always ensure compliance with the regulations.

* Following the direction of expanding its operating network, up to the year end, Nam A Bank already had a widespread network with 45 dealing units.

* In addition to the Letter of Commendation from the State Bank Governor and other titles it already received during the past year, in 2007 Nam A Bank had the honor to receive a Letter of Commendation from the Government Prime Minister, Letter of Commendation from the People’s Committee of Ho Chi Minh City, the title of “Golden Trade mark” awarded by Vietnam Association of Trade mark Protection and title of “Top Trade Services” awarded by Ministry of Industry and Trade.

General Director’s Report

The results attained in 2007 affirmed the position of Nam A Bank in the system of

commercial joint-stock banks and shows that the developing potentialities of Nam A Bank

in the years to come shall be great.


Financial overview

MAIN ENTRIES IN BALANCESHEET

Amount (Billion dong) Increase/Decrease(%)

2005 2006 2007 2007 vs 2005 2007 vs 2006

Mobilized from Market I 1,185.20 1,894.75 2,811.55 137.22% 48.39%

Mobilized from Market II 206.53 1,262.88 1,672.11 709.62% 32.40%

Credit loan balance 1,248.83 2,047.54 2,698.70 116.10% 31.80%

Total assets 1,605.24 3,884.44 5,249.95 227.05% 35.15%

Registered capital 150.00 550.00 575.92 283.95% 4.71%

Operating results

Profit before tax 29.12 53.96 107.36 268.68% 98.96%

Profit after tax 20.97 39.14 75.18 258.51% 92.07%

Financial targets

ROA (%) 2.11% 2.38% 2.40% 0.29% 0.02%

ROE (%) 23.70% 12.11% 18.28% -5.42% 6.17%

Dividend rate (%) 12.30% 11.12% 10.15% -2.15% -0.97%

Capital safety rate (%) 17.17% 32.63% 21.07% 3.90% -11.56%

In 2007 the financial and monetary market had active development, attracting more capital to meet the needs of investment in economic development. To enhance their competitiveness in the trend of international integration, the domestic commercial banks have supplemented their respective capital, renovated their technologies and expanded their scales, wherefrom an environment of effective competition was established, creating proactive conditions in business. In such context, Nam A Bank has, step by step, asserted its position in the system of commercial joint-stock banks, and got remarkable results in 2007.

Nam A Bank’s total assets as at December 31, 2007 amounted to 105,249.95 billion dong, increased 35.15% compared with that in end 2006, performed 70.39% compared with its plan, which shows that Nam A Bank’s operating scale has been expanded.

To strengthen its financial capacity, competitiveness, investment in technological renovation, and expansion of its operating network, Nam A Bank already set out the targets and plan of increasing its registered capital to 1,350 billion dong in end 2007. Up to end 2007, Nam A Bank’s registered capital was 575.92 billion dong, and in the 1st quarter 2008, the Bank continued to issue shares for the increase of its registered capital to 1,252.83 billion dong.



With the increasingly expanded operating network, the mobilized interest rate being reasonably and timely adjusted, and better and better services by the staff to customers, Nam A Bank’s ability of capital mobilization has been increased. Up to end 2007, total capital mobilized by Nam A Bank amounted to 4,483.65 billion dong, increased 41.99% compared with that at the beginning, of which:

* The capital mobilized from market 1 (individuals and economic organizations) amounted to 2,811.55 billion dong, increased 48.39% compared with that at the beginning, accounting for 62.71% of total mobilized capital. The growth of capital mobilized from market 1 has created the basis for Nam A Bank to develop its credit activities and other business activities

* The capital mobilized from market 2 amounted to 1,672.11 billion dong, increased 32.40% compared with that at the beginning, reaching 122.34% compared with the plan. The Bank’s mobilized capital from market 2 has been steadily increased during the period of 2003-2007, which shows that Nam A Bank has expanded its relationships with other banks, making favourable conditions in settling transactions, and gradually affirming the Bank’s prestige in the interbank market.

Structure of term mobilization: Nam A Bank makes its capital mobilization by diversifying different kinds of term (from at call, 1 month to 36 months). Short-term deposits of 12 months or shorter account for 81.94%, those with medium-term account for 18.06%, of total mobilization. The structure of mobilized term: is adjusted by Nam A Bank to suit its plan of capital utilization.

Mobilization growth stage 2002-2006: Nam A Bank mobilizes capital with different kinds of currency such as VND, gold and foreign currency, of which VND accounts for higher rate, while gold and foreign currency account for lower rates. Nam A Bank has proactively adjusted the structure of mobilized capital by kind of currency, to meet the needs and effectively reach its business goals.

Mobilization growth stage 2003-2007 Mobilization growth stage 2003-2007

Structure of term mobilization

Targets (as at December 31, 2007) Balance (billion dong) (%) Increased compared with the beginning

Total mobilization 4,483.65 41.99%

Of which:

Deposits from individual & organizations 2,811.55 48.39%

Deposits from other credit organizations 1,672.11 32.40%

2003

Capital mobilizedfrom credit organizations

Capital mobilizedfrom people economicorganizations

658

62948

61

1.185

1.895

2.812

207

1.263

1.672

2004 2005 2006 2007

Unit: Billion dong

VND

Short termMidium term

USDGold

4,83%4,28%

90,90%

18,06%

81,94%

Cap

ital m

obili

zatio

n


Total capital used by Nam A Bank in business up to end 2007 amounted to 4,875.19 billion dong, increased 35.87% compared with that at the beginning, of which Nam A Bank’s investment in credit reached 2,698.70 billion dong, increased 31.80% compared with that at the beginning. Although Nam A Bank’s credit loan balance was increased in 2007, and the State Bank applied tighter regulations on debt classification, Nam A Bank still controlled the bad debt rate at a safe level of 1.64%, lower than the target set out by the Shareholders’ General Meeting (2%) and already made the appropriation of allowance for credit risks of 8.06 billion dong, as at December 31, 2007.

The investment in credit accounted for the major rate in the capital utilization by Nam A Bank. However, in 2007, Nam A Bank gradually paid attention to the investment in valuable documents, and specifically up to the year end this kind of investment reached 306.79 billion dong, increased 179.38% compared with that at the beginning. This is an investment bringing about relative high profit for Nam A Bank’s operations.

Targets (as at Dec. 31, 2007) Balance (billion dong)

(%) Increased compared with the beginning

Total capital used in business 4,865.19 36.20%

Of which:

Investment in credit 2,698,70 31.80%

Investment in valuable documents 306.79 179.38%

Deposits at credit organizations 1,521.45 33.60%

Liquidated capital 338.25 22.55%

Growth of capital utilization during the period of 2003-2007

2003

Liquidity capital

Deposits at credit organization

6089

11253 794

62186

64 12497992

100

2048110

1139

276

2699

1521

307

338

2004 2005 2006 2007

Investment in valuable documents

Credit investment

Unit: Billion dong

Capital usage


As at December 31, 2007, the balance of medium-term and long-term lendings by Nam A Bank was 1,027.56 billion dong, increased 92.76% compared with 2006, accounting for 38.08% of total loan balance. This show that Nam A Bank has expanded its medium-term and long-term lendings suitable to the direction of increasing the lending to production development and investment in infrastructure development.Nam A Bank’s loan balance is mainly VND lending, accounting for 91.10% of total loan balance; USD for 6.49% and gold lending for 2.41%..

International payment: Nam A Bank’s import and export turnover in 2007 reached 67.61 million USD, increased 73.64% compared with the results attained in 2006. In 2007, Nam A Bank expanded the operation of international payment at certain units in the system, and increased the network of agency banks, and Nam A Bank already well and timely updated and coped with new regulations on international payment such as UCP 600, IBSP 2007.

Capital source:In 2007, Nam A Bank made the optimal balance of capital source, well ensuring the liquidation for business activities, and complying with the regulations on ensuring the solvency systemwide. The activities in the interbank market in 2007 developed remarkably,

Furthermore, Nam A Bank always ensures the compliance with those regulations on safety in business operations as stipulated by the State Bank. The minimum rate of capital safety, rate of solvency, foreign currency conditions positive compared with owned capital, rate of capital utilization for investment in fixed assets… are always ensured.

To sum up, in 2007, Nam A Bank continued to make stable and sustainable development, all of its business targets grew higher than those in previous year, and basically Nam A Bank already fulfilled those major tasks as set out by the 15th Shareholders’s General Meetiing.

Profit before tax Stage 2003-2007

Cre

dit s

truct

ure

in 2

007

and Nam A Bank already expanded its cooperation with other credit organizations, and such organization also widened the limits for Nam A Bank.

Profit before tax:In 2007, Nam A Bank’s profit before tax continued to grow higher, reaching 107.36 billion dong, increased 98.96% compared with the business results in 2006. These were due to the contribution from all aspects of the Bank’s operations, of which the rate of revenues from non-lending services accounted for 30.42% of total revenues, 9.13% higher than that in 2006, and exceeding 5.42% compared with that set out in the plan (25%).

Limited liability companies

Business with foreign in investment capital

Private businesses

State sector

Individuals

Gold

USD

VND

Medium & long term

Short term

55.73% 61.92% 91.10%

38.08%

0.77% 2.41%6.49%

36.26%

7.20%

0.04%

107.36

Unit: billion dong

53.96

29.12

20.44

14.75

2003 2004 2005 2006 2007

Structure of balance ofcredit loan by currencies

Credit structure byeconomic sectors

Structure of credit loanbalance by term


Network development

The expansion of its branch network in 2007 made favourable conditions for Nam A Bank to enlarge its customer scale, expand its business operations, and launch its products to a large number of people. In 2007, Nam A Bank further established 01 branch and 13 Transaction Offices, with total number of its dealing units amounted to 45 units in end 2007, of which:

+ Head office: 01 + Branches: 15 + Transaction Offices: 29

Human resource development

To meet the needs of human resources in service to expanding its operating scale as well as performing its development itinerary up to 2010, in 2007, Nam A Bank further recruited 294 officers and employees. Thus, as at December 31, 2007, total number of the Bank’s officers and employees is 798 persons.

Facing the high rising of market prices, Nam A Bank has timely adjusted to raise the incomes of all the officers and employees to ensure their material living.

Moreover, Nam A Bank also pays more attention to training work to enhance the professional level of its officers and employees. In 2007, Nam A Bank organized short-term training courses and dispatched officers to attend professional training courses at University of Banking, and participate in those seminars and workshops organized by Vietnam Banking Association.

IT modernization

Marketing activities

In the trend of international integration, modern IT and programs of managerial applications to meet the requirements of data management, synthesis, analysis and dealing with customers shall make favourable conditions for more and more effective banking operations. Realizing the important role of IT, in 2007 Nam A Bank carried out the technological modernization for business operations with the attained results as follows:

- Complete the receipt of the core program of Tifa software transferred from TransInfoTech and develop the application of Tifa program throughout the Bank. Besides, Nam A Bank continued to build and establish those managerial functions suitable to its needs of development.

- Modernize the corebanking with purpose of safe business activities and bringing about utilities for customers.

- Connect the systemic network (WAN) throughout the Bank to meet the IT standards of online payment and data concentration.

- Complete the test on the managerial program with Tifa at the Head office.

With the objective of continued business development, effective increases of profit and ensuring the system safety, Nam A Bank focused on enhancing and perfecting the System of Internal Inspection and Control. It is such inspection and control that have helped bring about the Bank’s very safe operations.

The Marketing activities played an important role in the Bank’s business activities. Therefore, in 2007 Nam A Bank continued to build different programs and develop Nam A Bank’s Trade mark, step by step.

The year 2007 saw Nam A Bank organize many great events such as the 15th Annual Shareholders’ General Meeting; Shareholders’ General Meeting Term V; Ceremony to sign the Agreement of Companionship Cooperation between Nam A Bank and BIDV; the 15th anniversary of Nam A Bank’s establishment. Through such great events, Nam A Bank’s Trade mark have been widely publicized.

In addition, in 2007 Nam A Bank continued to carry out those communal activities, presenting the image of Nam A Bank to a large number of customers, such as sponsoring program “Walking for the Poor Handicapped and Humanitarian Blood Donation”, sponsoring the prize “Hole in One”; awarding the scholarship “For the Future University Students”, and contributions to Charitable funds.

System of Internal Inspection and Control



Build and develop Nam A Bank aiming to profit maximizing, and ensuring the Shareholders’ interests, better and better meeting the customers’ needs, developing a team of employees with high quality, continually enhancing the Bank’s competitiveness. This shall step by step help Nam A Bank become a strong one with professional officers and employees and modern and safe technologies, towards a multi-purpose bank with fast, sustainable, safe and effective growth rate.

Financial targets: - Registered capital of 2,000 billion dong as at the year end- Total assets: 10,350 billion dong .- Total mobilization: 8,000 billion dong, of which: From market 1: 5,900 billion dong From market 2: 2,100 billion dong Total loan balance: 5,000 billion dong Profit after tax: 210 billion dong

Targets of financial investment activities:- Investment in capital contribution to the establishment of a Real estate investment & Trade company and an

Insurance Company: 60 billion dong.- Capital contribution to share purchase and financial investment: 300 billion dong.- Investment and trade in securities: 200 billion dong- Investment and trade in other fields: 400 billion dong

Targets and plan of network development: - The newly-established branches are 7 branches, including those in Hai Phong, Can Tho, Vung Tau, Bien Hoa,

Binh Duong, Phan Thiet, Da Lat.- The newly-established transaction offices are 22 Transaction Offices.

Investment in basic construction and purchase of fixed assets: - Start to build the new Head Office at No. 201-203 Cach Mang Thang Tam St., District 3, Ho Chi Minh City- Investment in building those Branches in such large cities as Ha Noi, Hai Phong, Nha Trang, Binh Phuoc, Can Tho and others.- Repair, purchase of equipment for the establishment of new Companies, Branches and Transaction Offices. - Investment in modernizing IT and in card services.

Targets of Human Resources and Total Wage Fund:- Personnel target at the end of 2008 is 1,305 persons.- Total wage fund in 2008 is increased 86.48% compared with that actually performed in 2007.

Financial capacity enhancement- Continue to supplement the registered capital to 2,000 billion dong in end 2008, in form of new share issuance

for capital increase.- Always ensure the minimum rate of capital safety over 8%.- Ensure the rate of bad debts under 1.8%, quickly handle such bas debts, and identify those with bad signs for

reasonable and prompt solutions to handling thereof.- Research and set out a scheme of bond issuance to enhance the financial capacity, the liquidity and the efficiency

of business activities.- Look for opportunities of cooperation with strategic partners, domestic and overseas, making favourable

conditions for Nam A Bank’s stronger operations, and contributing to the enhancement of the Bank’s trade mark and operating capacity in the following years.

Adjustment of organizational structure:To ensure the performance of its operating plan for 2008, Nam A Bank shall make the adjustment of organizational structure at its Head Office to build an organizational system with adequate advising sections, helping the Executive Board carry out every business activity under the plan already set out with those changes to be made as follows:- Centralized management: For the branches and affiliated companies, internal payment and auditing.- Separated and specialized functions: Risk management and business management, administrative management

and personnel management..- Consolidate and strongly develop such activities as marketing, funds, debt recovery, personnel management.- Diversify the retail distribution channels, modern banking services.

Business planfor 2008

Action Program



Human Resources Development:The Human Resources are always deemed to be the most precious assets of the Bank, a factor contributing to the success and sustainable development by Nam A Bank. Therefore, the Human Resources development plan for 2008 is embodied in the following contents:- Build a recruitment procedure to meet the quality requirements of the newly-recruited officers and employees, in 2008.- Build guidelines and itinerary of developing individual career, creating the best working environment and conditions

for the employees to maximally enhance their working efficiency.- Make the job description for each specific title in the system.- Speed up the training of officers and employees combined with those professional training units outside, to enhance

the professional qualification and managerial and executive capacities of officers on different levels.- Carry out the active emulation, praise and rewards, encouraging officers and employees to do their jobs with high

sense of responsibility, and hence their rightful and prompt commendation.

Systemic management:Nam A Bank proceeds to make regulations on transparent assignments and managerial and executive decentralization in every activity of the Bank, parallel to the mechanism of risk control and management. The specific assignments define each individual’s rights and responsibilities, and at the same time enhance the creativeness in work.

For the effective operation of the adjusted organizational mechanism as mentioned above, Nam A Bank shall make the reviewing, adjusting and promulgating of its regulations and procedures to meet the requirements of practical situations, particularly emphasizing those regulations and procedures on new products, on ensuring the safety of credit, investment, and trading activities under the State Bank’s Regulations.

IT work:With the objective of ensuring the online management and execution systemwide, connecting to and dealing with all the systems in the banking field suitable to the requirements of development and integration, Nam A Bank shall proactively make a plan of investment in and development of IT from present to 2012, wherefrom making a project of investment in the development of IT in each stage as a basis of synchronized, firm and effective performance.

Network development:To enhance its operating capacity and expand its market share, in 2008 Nam A Bank shall strongly develop its operating network, step by step, towards the objective of making the presence of Nam A Bank’s Trade mark felt in different key economic areas nationwide.Investment in building material premises and equipment:- To enhance its operating capacity in business, and build its materials premises, more and more magnificent and

modern, in 2008 Nam A Bank shall strongly develop those projects of investment in building the material premises, and equipment systemwide.

- Nam A Bank’s total investment capital in fixed assets accrued up to end 2008 shall not exceed 50% of owned capital, ensuring the compliance with the provisions of Law on Credit Organizations.

Marketing activities: During the present period, Marketing activities are those frequently affecting the Bank’s business operations. Marketing is deemed to be a tool of supporting the Bank in good performance of its business targets. Therefore, in 2008, Nam A Bank shall focus on building a plan of Marketing development suitable to practical situations, aiming to carry out the customers policy and publicizing the image of Nam A Bank in the financial market.

Internal inspection and control- Incessantly strengthen the inspection and control over every activity of Nam A Bank; every material risk shall be

continually identified, measured, inspected and controlled.- Separate the functions of risk management and business management from each other. - Proceed to arrange, and deploy the system of internal inspection and control corresponding to and suitable to the

organizational structure of management by functions, aiming to the tighter and tighter risk management, prompter and more effective.


FinanciaL RePoRt 2007



Consolidated balance sheet 2007

ASSETS Note Ending balance Beginning balance I. Cash on hand, gold, gemstones V.1 225,123,364,969 226,583,581,225 II. Deposits at the State Bank of Vietnam V.2 113,135,835,339 49,421,723,815

III. Gold and deposits at other credit organizations and loans given to other credit organizations V.3 1,521,453,321,652 1,138,799,665,119

1 Cash and gold and deposits at other credit organizations 1,521,453,321,652 1,138,799,665,119 2 Loans given to other credit organizations - - 3 Provisions for credit risks - - IV. Securities trading V.4 197,000,000,000 - 1 Trading securities 197,000,000,000 - 2 Provisions for devaluation of securities - - V. Financial derivatives and other financial assets - - VI. Loans given to customers V.5 2,690,632,633,592 2,040,996,835,726 1 Loans given to customers 2,698,695,346,080 2,047,540,759,227 2 Provisions for loan losses (8,062,712,488) (6,543,923,501)VII. Investment into securities V.6 109,790,133,438 109,806,944,450 1 Securities available for sale 32,550,111 31,861,119 2 Securities held to maturity dates 109,757,583,327 109,775,083,331 3 Provisions for devaluation of securities - - VIII. Capital contribution and long-term investment V.7 - 15,857,326,808 1 Investments in subsidiaries - - 2 Investment in join ventures - - 3 Investment in associates - - 4 Other long-term in investments - 15,857,326,808 5 Provisions for devaluation of long-term investment - - IX. Fixed assets 78,321,418,096 61,436,067,752 1 Tangible fixed assets V.8 34,235,307,842 25,809,748,654 a - Historical costs 53,948,434,132 39,847,967,700 b - Depreciation of fixed assets (19,713,126,290) (14,038,219,046)2 Financial leasehold assets - - a - Historical costs - - b - Depreciation of fixed assets - - 3 Intangible fixed assets V.9 44,086,110,254 35,626,319,098 a - Initial costs 44,850,925,516 36,020,492,762 b - Amortization of fixed assets (764,815,262) (394,173,664)X. Other current assets 304,932,502,397 241,580,605,907 1 Accounts receivable V.10 241,911,618,179 205,563,095,807 2 Interests and fees receivable V.11 50,606,984,607 27,936,101,519 3 Deferred income tax assets - - 4 Other current assets V.12 12,413,899,611 8,081,408,581

- In which: Goodwill - - 5 Other provisions for risks from other assets - - Total assets 5,240,389,209,483 3,884,482,750,802

Unit: VND


Off-consolidated balance sheet items

LIABILITIES AND OWNER'S EQUITY Note Ending balance Beginning balance

I. Account payable to State Bank of Vietnam and Government 11,000,000,000

II. Deposits and loans from other credit organizations 1,640,000,000,000 1,227,240,423,8001 Deposits from other credit organizations V.13 1,640,000,000,000 1,081,896,500,0002 Loans from other credit organizations - 145,343,923,8003 Loans from overseas credit organizations - - 4 Capital received for co-sponsorship loans - - III. Deposits from customers V.14 2,801,849,647,598 1,894,749,121,793IV. Financial derivatives and other financial debts - -V. Entrusted funds V.15 32,104,422,561 24,638,412,000VI. Issuance of valuable documents 200,000 200,000VII. Other liabilities 99,934,198,481 127,841,691,9441 Interests and fees payable V.16 58,401,508,397 43,906,449,6972 Deferred corporate income tax payable - - 3 Accounts payable and other debts V.17 41,409,714,116 83,892,525,177

4 Provisions for other credit risks (inherent liabilities and off-balance-sheet commitments) 122,975,968 42,717,070

Total amount payable 4,573,888,468,640 3,285,469,849,537VIII. Equity and funds 666,500,740,843 599,012,901,265

1 Equity of the credit organization 575,960,038,642 550,035,298,642a Prescribed capital V.18 575,924,740,000 550,000,000,000b Construction investment fund V.18 10,126,842 10,126,842c Share premiums - - d Treasury stocks - - e Preferred shares - - f Other funds V.18 25,171,800 25,171,800

Difference - - 2 Funds of credit organization V.18,19 15,434,662,614 9,837,419,2923 Foreign exchange differences - - 4 Differences on revaluation of assets - - 5 Retained earning/ Accumulated loss V.18 75,106,039,587 39,140,183,331IX Interest of minority shareholders

Total liabilities and owner's equity 5,240,389,209,483 3,884,482,750,802

Items Ending balance Beginning balanceI. Inherent liabilities 67,159,953,663 30,951,514,3561 Loan guarantees - - 2 Commitments in transactions of L/C opening 52,769,626,439 26,059,777,6733 Other guarantees 14,390,327,224 4,891,736,683II Commitments - - 1 Commitments on supports to customers - - 2 Other commitments - -

Preparer Chief Accountant General Director

Nguyen Thuy Hong Tran Thi Bao Tram Truong Minh Khai

Ho Chi Minh City, 4 January 2008


Consolidated income statement 2007

Items Note Current year Previous year

Interest income and similar income VI.1 507,514,712,904 266,014,822,625

Interest expenses and similar expenses VI.2 356,197,601,435 170,818,096,514

Net interest income 151,317,111,469 95,196,726,111

Income from service provisions 6,835,529,165 6,417,832,420

Expenses on services provisions 2,775,460,413 1,539,702,466

Net gain from services VI.3 4,060,068,752 4,878,129,954

Net gain from foreign currency trading VI.4 1,931,519,391 3,075,826,326

Net gain from dealings of trading securities - -

Net gain from dealings of investment securities - -

Gain from other activities VI.5 17,785,942,164 3,596,331,172

Expenses on other activities 600,000 600,000

Net gain from other activities 17,785,342,164 3,595,731,172

Gain from capital contribution and purchases of shares VI.6 22,700,000,000 6,390,000,000

Operating expenses VI.7 80,645,136,084 51,156,900,219

Net operating income before provision for credit losses 117,148,905,692 61,979,513,344

Provision for credit losses 9,862,492,001 8,017,359,962

Total profit before tax 107,286,413,691 53,962,153,382

Current corporate income tax VIII.2 32,180,374,104 15,148,902,947

Deferred corporate income tax - -

Corporate income tax 32,180,374,104 15,148,902,947

Profit after tax 75,106,039,587 38,813,250,435

Interest of minority shareholders - -

Earning per share VI.8 1,315 2,588

Unit: VND





Consolidated cash flow statement 2007

Items Current year Previous year

CASH FLOWS FROM OPERATING ACTIVITIES

Profit before tax 107,286,413,691 53,962,153,382

Adjustments:

Depreciation of fixed assets and investment property 6,048,482,168 4,893,569,889

Provisions for credit risks, devaluations, increases of investments/(reversals) 9,159,706,281 7,511,060,549

Interest and fees receivable/(not yet received actually) (311,765,663,633) (146,751,645,309)

Interest and fees payable/(not yet paid actually) 220,033,442,083 131,560,828,644

(Gain)/loss from liquidation of fixed assets (13,664,714,850) (5,400,000)

(Gain)/loss from liquidation of investment property - -

(Gain)/loss from liquidation of long-term investments/capital contributions into other entities, interest and dividend received, profit shared from long-term contracts of investment and capital contributions

(22,700,000,000) (14,697,966,194)

Unrealized exchange gain - -

Other adjustments - (112,889,358)

Operating profit before changes in current assets and liabilities (5,602,334,260) 36,359,711,603

Changes in current assets and liabilities

Changes in current assets

(Increase)/Decrease of gold and deposits and loans given to other credit organizations (480,000,000,000) (100,000,000,000)

(Increase) /Decrease of trading securities (197,000,000,000) (40,076,445,000)

(Increase)/Decrease of financial derivatives and other financial assets - -

(Increase)/Decrease of loans given to customers (651,154,586,853) (798,711,932,490)

(Increase)/Decrease of interests and fees receivable 289,094,780,545 125,070,515,440

(Decrease)/Increase of provisions for losses (7,560,658,396) (2,628,043,848)

Other (increase)/decrease of current assets (40,681,013,402) (189,736,892,772)

Changes in current liabilities

Increase/(Decrease) of accounts payable to State Bank of Vietnam and Government (11,000,000,000) (8,000,000,000)

Increase/(Decrease) of deposits and loans from credit organizations 412,759,576,200 1,058,520,423,800

Increase/(Decrease) of deposits from customers (including State Treasury) 907,100,525,805 709,554,585,034

Increase/(Decrease) of financial derivatives and other financial debts - -

Increase/(Decrease) of trust funds and other borrowed funds 7,466,010,561 5,828,912,000

Increase/(Decrease) of issuance of valuable documents (except for valuable documents included into financing activities) - -

Increase/(Decrease) of interest and fees payable (205,538,383,383) (109,699,845,914)

Other increase/(decrease) of current liabilities (47,142,928,863) 64,283,346,943

Net cash flows from operating activities before corporate income tax (29,259,012,046) 750,764,334,796

Corporate income tax already paid (27,520,256,302) (10,426,844,602)

Disbursement from funds of credit organizations (7,470,873,201) (4,126,015,924)

Net cash flows from operating activities (64,250,141,549) 736,211,474,270


Consolidated cash flow statement 2007(cont.) Items Current year Previous year

CASH FLOWS FROM INVESTING ACTIVITIES

Purchases of fixed assets (27,067,917,662) (7,438,699,950)

Gains from liquidations and disposals of fixed assets 17,798,800,000 5,400,000

Expenses on liquidations and disposals of fixed assets - -

Purchases of investment property - -

Gains from liquidations and disposals of investment property - -

Expenses on liquidations and disposals of investment property - - Investments into other entities (acquisition of subsidiaries, investments into joint venture, associates and other long-term investments) - (15,700,000,000)

Gain from investments into other entities (gain from sales, liquidations of subsidiaries, investments into joint ventures, associates and other long-term investments) 15,726,811,012 9,000,000,000

Receipts of dividends and profits shared from long-term investments and capital contributions 22,700,000,000 14,697,966,194

Net cash flows from investing activities 29,157,693,350 564,666,244


Consolidated cash flow statement 2007(cont.)

Items Note Current year Previous year

CASH FLOWS FROM FINANCING ACTIVITIES

Increase/(Decrease) of share capital from capital contribution and/or from share issuance - 400,000,000,000

Gain from issuance of long-term valuable documents which have enough conditions to be included into capital and other long-term loans - -

Payments for long-term valuable documents which have enough conditions to be included into capital and other long-term loans - -

Dividends paid to shareholders and profit shared (14,192,932,474)

Purchases of treasury stocks - -

Gain from sales of treasury stocks - -

Net cash flows from financing activities - 385,807,067,526

Net cash flows during the year (35,092,448,199) 1,122,583,208,040

Beginning cash and cash equivalents VII.1 1,314,804,970,159 192,221,762,119

Effects of fluctuations in foreign exchange rates - -

Ending cash and cash equivalents VII.1 1,279,712,521,960 1,314,804,970,159




Accounting conventionAll the consolidated financial statements are prepared in accordance with the historical cost convention.Consolidation basesSubsidiaries° A subsidiary is an enterprise that is controlled by the parent company. The control exists when the parent

company has the power to directly or indirectly govern the financial and operating policies of the subsidiary to obtain economic benefits from its activities. In determining the control power, the options that are currently valid or will be transferred should also be taken into consideration.

° The business results of a subsidiary are included in the consolidated financial statements from the date of acquisition, which is the date on which the control of the acquired subsidiary is effectively transferred to the buyer. The business results of a subsidiary disposed are included in the consolidated income statement until the date of disposal.

° The difference between the investment expenses and the ownership share of the bank in the fair value of the net recognizable assets of the subsidiary as of the acquisition date is recorded as a goodwill.

° Balances in the balance sheet and internal transactions and unrealized profits resulting from these transactions are eliminated when the consolidated financial statements are prepared. Unrealized losses resulting from internal transactions are also eliminated unless costs cannot be recovered.

Foreign currency translationAll the economic transactions generated during the year in foreign currencies (mainly in USD) are translated into VND at the inter-bank exchange rates ruling as at the month-end or at the year-end.The exchange differences during the period and those due to the revaluation of the ending balances in foreign currencies are posted into the income statement.The exchange rate used as of 31 December 2006: VND 16,061/USD VND 31,034/GBP VND 133.1/JPY VND 13,604/CAD VND 12,489/AUD VND 21,111/EUR Gold: VND 1,223,000/ one-tenth of a tael.The exchange rate used as of 31 December 2007: VND 16,012/USD VND 31,794/GBP VND 138.91/JPY VND 16,225/CAD VND 13,984AUD VND 23,432/EUR VND 14,124/CHF VND 2,929/NOK Gold: VND 1,604,000/one-tenth of a tael.Recognition of interests, estimated interests receivable and interest expenses Sales are recognized when the bank is able to gain economic benefits from the transaction and the revenue is determined rather reliably. In which, the interests on loans of which interest and principal amount are determined as being able to recover on due date will be recognized into income.

Investment form: A joint stock companyOperating field: BankingNumber of subsidiary: 01, In which: number of subsidiary to be consolidated: 01.Information on subsidiary to be consolidated

Fiscal year The fiscal year of the bank is from 01 January to 31 December annually.Standard currency unitThe standard currency unit used is Vietnam Dong (VND).

Accounting systemThe group of companies has been applying the uniform Accounting System issued together with the Decisions No. 479/2004/QÑ-NHNN dated 29 April 2004, No. 807/2005/QÑ-NHNN dated 01 June 2005 and No. 29/2006/QÑ-NHNN dated 10 July 2006 and the Regime on Financial Statements for credit organizations issued together with the Decision No. 16/2007/QÑ-NHNN dated 18 April 2007 of the Governor of the State Bank of Vietnam and other relevant accounting standards.Statement on the compliance with the Vietnamese accounting system and standardsThe Directors ensure to follow all the requirements of the prevailing Vietnamese accounting system and standards in the preparation of these financial statements. Accounting formGeneral journal recording.Accounting conventionAll the items of the financial statements are prepared in accordance with the historical cost convention.

Accounting standards and

system

Accounting policies applied at the group of

companies

Operation features of the

bank and its subsidiary

Fiscal year and standard currency unit

used in accounting

Subsidiary Addresss Benefit rate Voting right

AMC – Nam A Bank97 Nguyen Thai Binh,

District 1, Ho Chi Minh City100% 100%

Notes to the consolidated financial statements



For the amount of interests receivable already recorded into income but on which, the customer cannot pay interest and principal amount on due date, the financial institution has to make adjustment on these interests and trace these as off-balance sheet items in order to speed up its recovery. This amount of interest will be recorded into operating income upon the actual receipt. Interest on loans and deposits will be recorded on the basis of estimated amount.Loans givenLoans are recognized when the loan agreement or loan receipt commitment is signed by the bank and customer and the loan amount is released to customer by the bank. Loans are given to individuals and entities under such forms as loans given by installments, loans given according to credit lines, loans given to investment projects, syndicated loans, loans repaid by installments, or loans secured by saving accounts and valuable documents, etc. Security forms are collaterals, guarantees or trust receipts. Loan classifications and credit risk assessments are done, based on the regulations of Article 6, Decision No. 493/2005/QÑ/NHNN dated 22 April 2005 and the Decision No. 18 dated 25 April 2007 of the Governor of the State Bank of Vietnam. Extractions for provisions of credit risks are made on the basis of overdue debts already being classified. The provisions are made, based on the regulations of Article 8, and the rates of provision are based on the regulations of Item 4, Article 6 of the two Decisions above. The rates of extraction are as follows:Group 1: 0% Group 2: 5% Group 3: 20% Group 4: 50% Group 5: 100%The rate to make general provision is 0,75% on total balance of loans specified from group 1 to group 4 for the period of 5 years. Details are as follows:First year: 8% Second year: 32% Third year: 56% Fourth year: 80% Fifth year: 100%The writing off of debts which are unable to recover will be done, based on the regulations of the two Decisions mentioned above.Trading securities and investing in securitiesTrading securities, investments into securities, subsidiaries, associates and jointly controlled entities are recorded at their original costs. Provision for devaluation of investment in securities is made for each particular type of securities in the market and for which the market value decreases in comparison with the book value as of the date of the bank’s physical counts and the preparation of financial statements. There are no provisions for those securities which are not freely traded in the market.Intangible fixed assets+ Land use rightLand use right includes all the actual expenses related to the land being used such as expenses to obtain the land use right, expenses for house removal and land clearance, expenses on ground leveling, registration fees, etc. The land use right is permanent, so it is not amortized.+ Computer softwareComputer software includes all the expenses paid until the date the software is put into use. Computer software is amortized for the period from 3 years to 5 years.Tangible fixed assets+ Evaluation principle° The valuation of fixed assets is determined by their historical costs less accumulated depreciation.° Historical costs of fixed assets include the buying prices and other directly related costs to put the fixed assets into use. The purchasing,

renovation and renewal expenses are included in the historical costs of fixed assets while the costs on repairs and maintenance are posted into the income statement.

° When an asset is disposed or liquidated, its historical cost and accumulated depreciation are written off, then any profit/ (loss) from the liquidation is recorded into the income statement.

+ Depreciation methodFixed assets are depreciated in accordance with the straight-line method in order to gradually write off their historical costs over the estimated useful lives as stipulated in the Decision No. 206/2003/QÑ-BTC dated 12 December 2003 of the Minister of Finance. Details are as follows:- Buildings and structures: 5 – 25 years - Vehicles: 5 – 10 years - Machinery and equipment: 3 – 8 years- Office equipment: 3 – 5 years - Other assets: 3 – 7 yearsOperating leasehold assetsA lease of asset is considered an operating lease in case most of the risks and rewards associated with the ownership of that asset belong to the lessor. The lease expenses are allocated in the bank’s operating expenses in accordance with the straight-line method over the leasing period and are not subject to the method of lease payment.Corporate income taxThe group of companies is responsible to pay corporate income tax at the rate of 28% on taxable income. Corporate income tax during the period includes current income tax and deferred income tax.Current income tax is the tax amount computed based on the taxable income during the period at the tax rates applied as of the balance sheet date. Taxable income is different from accounting profit due to the adjustments of temporary differences between tax and accounting figures as well as those of non-taxable or non-deductible income and expenses. CapitalThe sources of capital of the bank include:° The bank’s capital is recorded at the actual amounts of capital already invested by the shareholders. ° Share premiums are the difference between the issuance price and face value.° Other sources of capital include the supplement from the business results, the value of the assets which are given to the bank and the

revaluation of assets.The funds are extracted and used according to the regulations of the Decree No. 146/2005/NÑ-CP dated 23 November 2005 of the Government and the bank’s charter.Related partiesA party is considered a related party of the bank in case that party is able to control the bank or to cause material effects on the financial decisions as well as the operations of the company.


Ending balance Beginning balance

Ho Chi Minh City Branch – VND 45,089,794,230 17,739,518,547

Ha Noi Branch 627,679,027 1,313,174,217

Exchange of the State Bank – USD (head office) 14,597,724,568 8,423,690,625

Exchange of the State Bank – VND (head office) 39,859,348,413 15,914,789,781

Exchange of the State Bank (Ha Noi Branch) 50,692,597 18,672,597

Nha Trang Branch 9,620,394,128 1,923,319,871

Quy Nhon Branch 2,491,479,713 3,955,802,333

Binh Phuoc Branch 354,158,147 132,755,844

Thu Duc Branch 39,609,875 -

Da Nang Branch 404,954,641 -

TOTAL 113,135,835,339 49,421,723,815


Demand deposits 21,305,120,605 9,303,603,447

Head office 10,864,543,371 7,335,107,498

Ha Noi Branch 6,437,117,957 104,503,047

Nha Trang Branch 3,019,036,793 115,515,812

Quy Nhon Branch 187,028,779 1,142,609,537

Van Ninh Branch - 604,038,592

Binh Phuoc Branch 762,470,825 1,828,961

Da Nang Branch 34,922,880 -

Demand deposits at foreign banks 8,335,601,047 14,417,211,672

Head office 8,335,601,047 14,417,211,672

Time deposits 1,491,812,600,000 1,115,078,850,000

Head office 617,009,000,000 782,956,850,000

Ha Noi Branch 874,803,600,000 332,122,000,000

TOTAL 1,521,453,321,652 1,138,799,665,119


VND 71,346,901,200 40,179,047,799

Foreign currency 25,958,515,769 12,673,316,951

Gold 127,817,948,000 173,731,216,475

TOTAL 225,123,346,969 226,583,581,225

Deposits at the State Bank of Vietnam

Deposits in local and overseas credit organizations

Cash on hand, gold and gemstone

These are mostly the current accounts and the compulsory reserves at the State Bank. In which, the compulsory reserves are determined in compliance with the regulations of the State Bank at the rates as follows:

° Under-12-month term deposits and demand deposits: 10%° Deposits of which the periods are from 12 months to 24 months: 4%

Additional information on the items of the consolidated balance sheet



Securities issued by local credit organizations (1) 135,000,000,000 -

Securities issued by local economic organizations (2) 62,000,000,000 -

TOTAL 197,000,000,000 -


Loans given to local economic entities and individuals 2,669,424,153,425 1,682,594,735,410

Loans given in form of discounting bills and valuable papers 2,825,172,491 338,502,680,817

Loans given from entrusted funds 26,250,270,164 25,464,493,000

Loan given to foreign entities and individuals - -

Debts which are fixed by lump sum and debts which are waiting for treatment 195,750,000 978,850,000

TOTAL 2,698,695,346,080 2,047,540,759,227

Groups Ending balance Beginning balance

Group 1 2,603,568,871,835 1,892,749,960,970

Group 2 50,768,437,098 121,588,429,405

Group 3 10,394,709,000 3,060,898,500

Group 4 6,130,762,823 13,740,940,600

Group 5 27,832,565,324 16,400,529,752

TOTAL 2,698,695,346,080 2,047,540,759,227


Short-term loans 1,670,935,291,465 1,513,473,397,004

Medium-term loans 898,588,715,943 489,975,542,963

Long-term loans 128,975,588,672 43,112,969,260

Loans to be treated 195,750,000 978,850,000

TOTAL 2,698,695,346,080 2,047,540,759,227

Loans given

Loans specified

Loans specified according to loan period

Trading securities

(1) Stocks issued by Techcombank are purchased by Nam A Bank and they will be sold after 6 months back to the seller at the price of the buying price plus the interest rate of 1,1%/month. The number of stocks of which the face value is VND 10,000 is 992,500 and the number of stocks of which the face value is VND 5 million is 4,015.

(2) These are the stocks issued by Ben Tre Forestry and Fishery Products Company, of which the face value is VND 10,000 and the number of stocks is 1 million and stocks from the Transportation Engineering Civil Building Investment Company No. 584, of which the face value is VND 10,000 and the number of stocks is 600,000.



1 Stated-owned limited liability companies - 337,780,407,690

2 Other joint stock companies 274,890,188,125 89,595,776,566

3 Private limited liability companies 681,031,272,851 385,019,467,007

4 Foreign-invested companies 20,818,293,399 15,600,213,126

5 Central Stated-owned companies 1,007,537,050 1,748,283,575

6 Private enterprises 190,049,995,268 113,117,420,000

7 Individuals 1,525,898,059,387 1,099,679,191,263

8 Collective entities 5,000,000,000 5,000,000,000

TOTAL 2,698,695,346,080 2,047,540,759,227

Loans specified according to forms of business

Loans specified according to the business sector

Provisions for credit risks


1 Assets trading and consulting services 17,553,889,749 118,028,870,245

2 Processing industry 132,666,327,478 52,654,618,126

3 Mine exploitation 200,000,000 1,000,000,000

4 Education & Training 2,476,000,000 491,116,300

5 Activities of international organizations and unions 2,277,680,000 8,252,440,000

6 Services serving families 112,703,631,250 285,370,609,960

7 Science & technology 26,676,000,000 8,270,000,000

8 Activities serving personal & public interests 1,479,437,152,969 519,267,578,437

9 Financial activities 57,903,250,000 411,354,769,890

10 Cultural and sport activities 8,529,164,000 6,776,945,200

11 Hotels & restaurants 315,804,771,392 22,993,150,000

12 Agriculture and forestry 30,667,314,050 39,521,640,525

13 Manufacturing & distributing of power and gas 6,668,000,000 3,050,000,000

14 Commerce & Repairing services 187,859,654,220 390,376,058,781

15 Aquaculture 7,100,000,000 17,924,161,000

16 Transportation, logistics and communication 50,730,227,200 52,076,892,063

17 Construction 224,416,177,600 105,505,908,700

18 Health care and donation activities 35,026,106,172 4,626,000,000

TOTAL 2,698,695,346,080 2,047,540,759,227

Beginning balance Increases Decreases Ending balance

Provisions for risks - Loans given 6,425,429,867 17,190,177,253 15,660,265,491 7,955,341,629

Particular provisions 4,016,097,091 13,304,039,300 15,652,226,901 1,667,909,490

General provisions 2,409,332,776 3,886,137,953 8,038,590 6,287,432,139

Provisions for risks – Discounts 66,578,396 344,457,634 408,735,772 2,300,258

General provisions 66,578,396 344,457,634 408,735,772 2,300,258

Provisions for risks - Loans given from entrusted funds 51,915,238 106,354,198 53,198,835 105,070,601

Particular provisions 25,435,000 56,330,860 46,840,860 34,925,000

General provisions 26,480,238 50,023,338 6,357,975 70,145,601

Provisions for risks – Debts waiting to be treated - - - -

TOTAL 6,543,923,501 17,640,989,085 16,122,200,098 8,062,712,488


Investment in securities

Capital contribution and long-term investments

List of entities receiving capital

The bank has transferred its capital shares as follows

Bank has treated its capital contributions as follows


Securities available for sale 32,550,111 31,861,119

Government bonds 32,550,111 31,861,119

Securities held to maturity dates (1) 109,757,583,327 109,775,083,331

Government bonds & urban bonds 109,757,583,327 109,775,083,331

TOTAL 109,790,133,438 109,806,944,450


Investments in business associates - -

Other long-term investments - 15,857,326,808

Provision for devaluation of long-term investment - -

TOTAL - 15,857,326,808


Banks - 10,750,000,000

Gia Dinh Commercial Joint Stock Bank - 10,750,000,000

Companies - 5,107,326,808

Dai Nam A - 157,326,808

Vinasecurities - 4,950,000,000

TOTAL - 15,857,326,808

Entities Number of shares Selling price Cost Interest

Gia Dinh Commercial Joint Stock Bank 10,750 16,125,000,000 10,750,000,000 5,375,000,000

Vinasecurities 495,000 22,275,000,000 4,950,000,000 17,325,000,000

TOTAL 38,400,000,000 15,700,000,000 22,700,000,000

Entities Value recovery Costs Difference

Dai Nam A 10,000,000 157,326,808 (147,326,808)

(1) These are mainly the government bonds and urban bonds of which the period is 5 years and the interest rates are from 8%/year to 9,05%/year. Particularly, the government bonds in foreign currency, of which the period is 5 years and the interest rate is 3,5%/year have the total value of USD 500 thousand and the face value of USD 10 thousand.


Tangible fixed assetsDetails of tangible fixed assets and the depreciation of fixed assets are as follow

Intangible fixed assets

ItemsBuildings and

structuresMachinery and

equipmentVehicles

Office equipment

Other fixed assets

Total

I. Historical costBeginning balance 18,624,151,655 10,822,988,978 9,042,368,260 188,085,463 1,170,373,344 39,847,967,700Increases 382,213,775 7,136,334,107 5,676,043,395 61,563,715 852,311,440 14,108,466,432-New purchases 382,213,775 7,136,334,107 5,676,043,395 61,563,715 852,311,440 14,108,466,432- New constructions - - - - - --Other increases - - - - -Decreases - 8,000,000 - - - 8,000,000-Other decreases - 8,000,000 - - 8,000,000Ending balance 19,006,365,430 17,951,323,085 14,718,411,655 249,649,178 2,022,684,784 53,948,434,132II. DepreciationBeginning balance 5,392,873,322 5,278,523,992 2,812,506,319 93,006,662 461,308,751 14,038,219,046Depreciation 737,682,473 2,952,402,635 1,644,340,177 69,271,782 274,143,503 5,677,840,570Decreases - 2,933,326 - - - 2,933,326Ending balance 6,130,555,795 8,227,993,301 4,456,846,496 162,278,444 735,452,254 19,713,126,290III.Net book valuesBeginning balance 13,231,278,333 5,544,464,986 6,229,861,941 95,078,801 709,064,593 25,809,748,654Ending balance 12,875,809,635 9,723,329,784 10,261,565,159 87,370,734 1,287,232,530 34,235,307,842

Items Land use right Accounting software Total

I. Initial costBeginning balance 34,518,467,749 1,502,025,013 36,020,492,762 New purchases 10,664,617,200 2,133,980,030 12,798,597,230 New constructions - - - Other increases 160,854,000 - 160,854,000 Disposals and liquidations 4,129,018,476 - 4,129,018,476 Other decreases - - - Ending balance 41,214,920,473 3,636,005,043 44,850,925,516II. AmortizationBeginning balance - 394,173,664 394,173,664 Increases - 370,641,598 370,641,598 Decreases - - - Ending balance - 764,815,262 764,815,262 III. Net book valuesBeginning balance 34,518,467,749 1,107,851,349 35,626,319,098 Ending balance 41,214,920,473 2,871,189,781 44,086,110,254

- The increases of fixed assets during the year are mainly due to new acquisitions of computers, equipment, and vehicles.- Other increases and decreases of fixed assets during the period are due to liquidation of computers and air conditioners.


Accounts receivable

Interest and fees receivable

Other current assets


Accounts receivable of Nam A Bank 241,842,057,620 205,563,095,807Construction and acquisition of assets 216,541,953,548 127,955,547,347Construction of the building at 97 Bis Ham Nghi 1,374,000,000 1,374,000,000Purchases of the house for new office at 201-203 CMT8 214,088,394,869 126,500,000,000Repairing fixed assets 81,547,347 81,547,347Other expenses 998,011,332 -Accounts receivable 25,300,104,072 77,607,548,460Deposits for house rental 1,794,092,728 915,272,728Advance for payments to the State 32,534,524 32,757,274Input VAT 12,145,098 28,729,321Advance for performance of contract 5,542,011,214 -Receivable for transfer of land use right at Binh Chanh 5,798,800,000 -Advances given to employees 971,039,893 944,907,418Temporary extraction for funds 5,507,179,053 3,384,262,529Expenses on the treatment of assets used to secure loans 14,310,000 37,473,000Receivable from imported gold - 65,225,036,000Other receivable 5,627,991,562 7,039,110,190Receivable of AMC – Nam A Bank 69,560,559 -

TOTAL 241,911,618,179 205,563,095,807


Interests on deposits in VND 21,193,860,916 6,722,540,518Interest on deposits in foreign currency 13,349,684 313,701,042Interests on securities available for sales 1,998,167 2,002,458Interests on securities held to maturity date 11,798,436,260 7,349,800,575Interests on loans given in VND 16,959,043,658 13,045,880,514Interests on loans given in foreign currency 640,295,922 502,176,412

TOTAL 50,606,984,607 27,936,101,519


Materials 1,309,667,384 77,502,585Assets given as payment for debts which are transferred to credit organizations for treatments

208,050,000 -

Expenses to be allocated 10,896,182,227 8,003,905,996TOTAL 12,413,899,611 8,081,408,581


Deposits from other credit organizations

Deposits from customers

Entrusted funds

Interest and fees payable


Deposits at local credit organizations in VND 1,640,000,000,000 977,500,000,000 Head office 465,000,000,000 555,500,000,000 Ha Noi Branch 1,175,000,000,000 422,000,000,000 Deposits at local credit organizations in foreign currency - 104,396,500,000 Head office - 64,244,000,000 Ha Noi Branch - 40,152,500,000

TOTAL 1,640,000,000,000 1,081,896,500,000


Deposits from local customers in VND 320,747,176,321 140,900,477,869Deposits from local customers in foreign currency 7,925,389,652 15,730,178,522Saving accounts in VND 2,069,160,461,322 1,349,699,008,977Saving accounts in foreign currency and gold 389,324,141,948 369,859,599,576Deposits from foreign customers in VND 439,739,734 2,698,626,350Deposits from foreign customers in foreign currency 3,941,675,319 6,568,148,030Deposits in VND 3,489,782,056 2,944,899,065Deposits in foreign currency 6,821,281,246 6,348,183,404

TOTAL 2,801,849,647,598 1,894,749,121,793


Loans given in VND from entrusted funds 31,925,300,000 24,638,412,000 Loans given in foreign currency from entrusted funds 179,122,561 -

TOTAL 32,104,422,561 24,638,412,000


Deposits in VND 10,675,560,859 7,862,651,555Deposits in foreign currency 3,739,598 514,594,434Saving accounts in VND 44,378,194,024 32,046,385,771Saving accounts in foreign currency and gold 3,331,638,103 3,178,743,135Loans from credit organizations in VND - 291,072,390Loans from entrusted funds 12,375,813 13,002,412

TOTAL 58,401,508,397 43,906,449,697

This is the capital received from RDF II (Rural Financial Project) of World Bank through BIDV. The loan period in VND is from 1 - 3 years at the interest rate from 0,54%/month. The loan period in USD is 20 years at the interest rate from 0,75%/month. The bank has used this amount to give loans to individuals, households, co-operatives and non State-owned companies or to train human resources.


Accounts payable and other liabilities


Payable of Nam A Bank 41,201,664,116 83,892,525,177Amount held on others’ behalf and to be settled 7,260,571,526 15,869,000Taxes and other obligations to the State Budget 15,456,244,150 10,693,850,190

Purchase of fixed assets 97,323,701 86,605,325

Transfer of amount payable in VND 512,933,605 638,616,813Transfer of amount payable in USD 15,131,340 15,177,645Other amounts waiting to be paid off 15,236,089,467 70,132,876,174Payments to employees 114,450,000 58,450,000Other payments 3,528,793 173,169,190Provisions for unemployment allowances 1,176,226,310 1,210,210,902Revenue to be allocated 1,329,165,224 867,699,938Payable of AMC – Nam A Bank 208,050,000 -

TOTAL 41,409,714,116 83,892,525,177

Capital

Construction investment fund

and other sources of capital

Funds Retained earnings Total

Beginning balance of the previous year 150,000,000,000 35,298,642 6,764,382,501 29,124,329,791 185,924,010,934

Increases in the previous year 400,000,000,000 - - - 400,000,000,000

Profit of the previous year - - - 38,813,250,435 38,813,250,435

Corporate income tax paid - - - (7,732,344,602) (7,732,344,602)

Dividends given - - - (14,192,932,474) (14,192,932,474)

Other increases - - - 326,932,896 326,932,896

Disbursement of fund and other disbursements - - (3,483,932,014) (642,083,910) (4,126,015,924)

Extractions for funds during the year - - 6,556,968,805 (6,556,968,805) -

Ending balance of the previous year 550,000,000,000 35,298,642 9,837,419,292 39,140,183,331 599,012,901,265

Beginning balance of the current year 550,000,000,000 35,298,642 9,837,419,292 39,140,183,331 599,012,901,265

Increases in the current year 25,924,740,000 - (26,094,994,662) (170,254,662)

Profit of the current year - - 75,106,039,587 75,106,039,587

Disbursement of funds and other disbursements - - (6,382,018,539) (1,065,926,808) (7,447,945,347)

Extractions for funds during the year - - 11,979,261,861 (11,979,261,861) -

Ending balance of the current year 575,924,740,000 35,298,642 15,434,662,614 75,106,039,587 666,500,740,843

Capital and funds of the bank



Capital contributed from shareholders 575,924,740,000 550,000,000,000

Share premiums - -

Treasury stocks - -

TOTAL 575,924,740,000 550,000,000,000

Dividends Dividends given during the year are as follows:

Dividends of the previous year 26,094,994,662

Advance for dividend distribution in the current year -

TOTAL 26,094,994,662

Details of capital are as follows

Shares Ending balance Beginning balance

Number of shares registered to be issued 57,592,474 55,000,000

Number of shares already sold to the public

Common shares- 57,592,474 55,000,000

Preferred shares- - -

Number of shares repurchased

Common shares- - -


Number of outstanding shares

Common shares- 57,592,474 55,000,000


° Face value per share: VND 10,000. ° During the year, the bank has increased its prescribed capital by VND 25,924,740,000 from its profit in 2006.° The prescribed capital of the bank as of 31 December 2007 is VND 575,924,740,000 which has been registered at the 19th

amended business registration certificate No. 059027 dated 02 March 2007 granted by the Business Registration Section - the Service of Planning and Investment of Ho Chi Minh City.


Funds of credit organizations

Items

Reserve fund to supplement

prescribed capital

Business promotion

fund

Research and training funds

Financial reserved fund

Bonus fund Welfare fund Total

Beginning balance of the previous year

2,504,644,443 249,189,111 171,063,809 3,836,637,800 2,690,838 156,500 6,764,382,501

Increases in the previous year

1,037,495,064 35,482,331 35,482,331 1,971,240,622 3,193,409,807 283,858,650 6,556,968,805

Disbursement of funds

(10,000,000) (28,923,434) (3,160,993,430) (284,015,150) (3,483,932,014)

Ending balance of the previous year

3,542,139,507 274,671,442 177,622,706 5,807,878,422 35,107,215 - 9,837,419,292

Beginning balance of the current year

3,542,139,507 274,671,442 177,622,706 5,807,878,422 35,107,215 - 9,837,419,292

Extractions for funds during the year

1,895,452,826 64,824,487 64,824,487 3,601,360,370 5,185,958,931 1,166,840,760 11,979,261,861

Disbursement of funds

- - - - (5,215,177,779) (1,166,840,760) (6,382,018,539)

Ending balance of the current year

5,437,592,333 339,495,929 242,447,193 9,409,238,792 5,888,367 - 15,434,662,614

- The extraction for funds has been done in accordance with the Decree No. 146/2005/NÑ-CP dated 23 November 2005 of the Government and has been approved at the meeting of shareholders in 2006.

- Profit of year 2006 is distributed as follows: ° Reserve fund to supplement prescribed capital: 5% on the profit after tax ° Financial reserved fund: 10% on the remaining profit ° Appropriation for business promotion fund, research and training funds, bonus and welfare funds: 20%. ° The remaining profit is distributed to shareholders.- Purposes of appropriation for business promotion fund, financial reserved fund and other funds- Business promotion fund is used to supplement the bank’s prescribed capital.- Financial reserved fund is used to: ° Compensate losses, damages of assets and accounts receivable unable to be recovered during the operations. ° Compensate the losses of the bank according to the decision of the Board of Management.

Current year Previous year

Deposit interest 105,750,053,716 32,832,386,699

Interest on loans given 387,499,081,443 224,873,551,448

Interest on investments into securities 14,265,577,745 8,307,966,194

Other income from credit activities - 918,284

TOTAL 507,514,712,904 266,014,822,625


Interest on deposits 259,233,902,699 143,267,705,729

Interest on loans 5,591,028,853 2,939,433,063

Others 91,372,669,883 24.610,957,722

TOTAL 356,197,601,435 170,818,096,514



Receivable from guaranteeing services 191,079,441 188,654,289

Fees receivable from payment service 3,512,176,795 2,237,005,273

Fee receivable from cash service 71,530,236 46,694,790

Receivable from entrustment and agency transactions 49,921 73,644

Receivable from other services 3,060,692,772 3,945,404,424

Expenses on service provisions 2,775,460,413 1,539,702,466

Expenses on payment and cash services 2,686,436,095 1,336,457,065

Expenses on entrustment and agency transactions 3,387,287 5,396,855

Expenses on other services 85,637,031 197,848,546



Income from foreign currency trading 2,109,338,476 3,296,538,584

Foreign currency trading 952,618,398 492,574,214

Gold trading 1,156,720,078 2,803,964,370

Expenses on foreign currency trading 177,819,085 220,712,258

Foreign currency trading 139,168,684 183,875,381

Gold trading 38,650,401 36,836,877

Income from foreign currency trading 1,931,519,391 3,075,826,326

Interest income and similar income

Interest expenses and similar expenses

Income from services provisions

Income from foreign currency trading

Additional information on the items of the income statement




Gains from liquidation of fixed assets 13,669,781,524 5,400,000

Gains from debts of which the risks are already treated 2,161,298,260 340,072,600

Others 1,954,862,380 3,250,858,572

TOTAL 17,785,942,164 3,596,331,172


Gains from transfer of stocks of the companies and banks invested by the bank (1) 22,700,000,000 6,390,000,000


Tax payment 239,618,153 326,355,459

Fees and legal fees 418,430,663 246,742,924

Expenses for employees 43,134,629,591 26,588,809,709

Expenses on management 16,478,325,448 10,266,349,525

Depreciation of fixed assets 6,048,846,372 4,893,569,889

Other expenses on assets 11,907,012,390 7,228,457,891

Insurance premiums, deposit assurance expenses, compensation for deposit insurance 2,337,953,032 1,564,301,464

Provisions for commitments 80,320,435 42,313,358

TOTAL 80,645,136,084 51,156,900,219


Accounting profit after corporate income tax 75,106,039,587 38,813,250,435

Increase/(decrease) of accounting profit to determine profit attributable to ordinary equity holders:

Dividends of preferred shares

Profit attributable to ordinary equity holders 75,106,039,587 38,813,250,435

Average ordinary shares outstanding during the year 57,123,698 15,000,000

Earning per share 1,315 2,588


Ordinary shares outstanding at the beginning of the year 55,000,000 15,000,000

Effects of ordinary shares re-purchased during the year - -

Effects of ordinary shares issued during the year 2,123,698 -

Average ordinary shares outstanding during the year 57,123,698 15,000,000

Income from other activities

Income from capital contribution, buying shares

Operating expenses

Earning per share

Average ordinary shares outstanding during the year are calculated as follows:

(1) See Note V.7.


Additional information on the items of the cash flow statement

Other information

Cash and cash equivalents

Non-cash transactions

Cash and cash equivalents include cash on hand, deposits in the State Bank, Government debentures and other short-term valuable papers which have enough conditions to be re-discounted at the State Bank, and securities of which the due dates cannot exceed 3 months from the purchasing date as well as demand deposits from other credit organizations of which the due dates can not exceed 3 months from the date of depositing.

During the year, the only non-cash transaction of the group of companies is to increase capital from remaining profit of the previous years for an amount of VND 25.924.740.000.

Value added tax (VAT):° VAT is paid in line with the deduction method: The tax rate applied to banking, guaranteeing, and payment services is 10%° VAT is paid in line with the direct method: The tax rate applied to foreign currency and gold trading is 10%.


Cash on hand 225,123,364,969 226,583,581,225

Deposits at State Bank 113,135,835,339 49,421,723,815

Deposits at other banks 941,453,321,652 1,038,799,665,119

TOTAL 1,279,712,521,960 1,314,804,970,159

Items Current year Previous year

I. Total employees 798 576

II.Income of employees (VND)

1.Total salary fund 38,751,953,828 23,767,614,025

2.Bonus 7,370,192,995 2,764,993,379

3. Total income 46,122,146,823 26,532,607,404

4.Average salary/person/month 4,046,779 3,438,602

5.Average income/person/month 4,816,431 3,838,630

Income of employees

Obligations to the State Budget

Items CF Amount payable Amount already paid BF

VAT1. 79,995,623 756,876,439 727,771,302 109,100,760

Corporate income tax2. 10,336,543,517 32,180,374.104 27,520,256,302 14,996,661,319

Other taxes3. 131,035,910 1,287,536,657 1,275,162,205 143,410,362

+ Personal income tax 131,035,910 1,103,459,602 1,091,085,150 143,410,362

+ Contractor tax - 144,694,355 144,694,355 -

+ License duty - 30,000,000 30,000,000 -

+ Other taxes - 9,382,700 9,382,700 -

TOTAL 10,547,575,050 34,224,787,200 29,523,189,809 15,249,172,441


The bank has paid other taxes and legal fees in line with the prevailing regulations.

Particularly, AMC - Nam A Bank has suffered from a loss; therefore, there is no provision for corporate income tax payable.

Corporate income tax of year 2006Previous year

Total accounting profit before tax 53,962,153,382

Increase/(decrease) of accounting profit to determine profit subject to corporate income tax:

Increases- -

Decreases- -

Total taxable income 53,962,153,382

Corporate income tax rate 28%

Estimated corporate income tax payable 15,109,402,947

Adjustments on the corporate income tax of the previous years 39,500,000

Total current corporate income tax 15,148,902,947

Corporate income tax of Nam A Bank in 2007

Other taxes and legal fees

Corporate income tax of AMC – Nam A Bank in 2007

Items Income from operating activities

Gains from transfer of land use right Current year

Total accounting profit before tax 93,688,395,095 13,669,781,524 107,358,176,619

Increase/(decrease) of accounting profit to determine profit subject to corporate income tax:

Increases- 600,000 600,000

Decreases-

Total taxable income 93,688,995,095 13,669,781,524 107,358,776,619

Corporate income tax rate 28% 28%

Estimated corporate income tax payable 26,232,918,627 3,827,538,827 30,060,457,454

Additional corporate income tax 2,119,916,650 2,119,916,650

Adjustment on the corporate income tax of the previous years

Total current corporate income tax 26,232,918,627 5,947,455,477 32,180,374,104

Forms and values of mortgaging assets of customers Items Ending balance Beginning balance

Assets mortgaged 5,517,150,370,697 3,844,923,188,031

Gold, silver, metal and gemstones 64,160,000 -

Buildings and land use right 5,229,446,820,461 3,639,657,488,880

Vehicles 132,018,343,700 37,068,309,118

Machinery and equipment 58.210.311.182 45,080,959,987

Supplies and merchandises 95.325.735.354 107,543,348,346

Other assets 2,085,000,000 15,573,081,700

Valuable papers mortgaged 252,098,376,338 465,628,606,680

Issued by Nam A Bank 62,052,361,238 67,845,352,680

Issued by credit organizations 176,866,000,000 386,953,254,000

Issued by economic organizations 12,021,000,000 10,830,000,000

Other valuable papers 1,159,015,100 -

TOTAL 5,769,248,747,035 4,310,551,794,711

Inherent liabilities and commitment

Transactions with related parties

Commitment on operating leases

Concentration level according to the geographic areas of assets, accounts payable and receivable as well as off-balance sheet items

Accounts Code Guaranted balances Deposited balances Remaining balances

Guarantee for payment 9212 9,789,732,927 159,990,000 9,629,742,927

Guarantee for contract performance 9213 5,441,169,817 1,270,250,520 4,170,919,297

Guarantee for tendering participation 9214 726,916,651 726,916,651 -

Commitment on deferred L/C transactions 9215 4,355,132,701 143,327,895 4,211,804,806

Commitment on at – sight L/C transactions. 9216 55,235,774,984 6,677,953,351 48,557,821,633

Other commitments 9219 631,488,915 41,823,915 589,665,000

TOTAL 76,180,215,995 9,020,262,332 67,159,953,663

Related partiesEnding balance Beginning balance

Loan given Deposits Loan given Deposits

The Board members and companies managed by them - 24,251,476,301 3,066,260,959

Major shareholders & companies managed by them - 30,782,104,254 973,871,424

AMC – Nam A Bank (subsidiary) - 9,699,390,385 -

TOTAL 64,732,970,940 4,040,132,383

2007

Commitment on irrevocable operating leases 966,080,000

In which:

- The due date within 1 year -

- The due date from2 years to 5 years 966,080,000

- The due date after 5 years -

Total balances of loan given Total deposits Financial derivatives Trading and investing in securities

Local 2,698,695,346,080 2,801,849,647,598 - 306,790,133,438

Overseas - - - -

Management of financial risksCredit risksThe bank has used consistently the following measures to manage the credit risks:° Developing appropriate credit strategy and policies.° Performing analyses on credit ability of customers.° Performing the credit control procedures before, during, and after giving loans.° Performing loan classification, making and using provisions for credit risks in line with the regulations.

Transactions with related parties according to the Vietnamese accounting standard No. 26 – “Information on related parties” is as follows:



Items Converted from EUR

Converted from USD

Converted from value of gold

Converted from other foreign

currencies Total

Assets I-Cash on hand, gold, silver and gemstones

198,000,400 25,600,017,624 127,817,948,000 160,497,870 153,776,463,894

II-Deposits at State Bank - 14,597,724,568 - - 14,597,724,568

III-Deposits and loan given at other credit organizations

1,303,924,018 34,357,549,971 - 366,460,666 36,027,934,655

IV-Trading securities - - - - -

V-Financial derivatives and other financial assets

- - - - -

VI-Loans given to customers - 175,069,032,492 64,930,918,971 - 239,999,951,463

VII- Investment in securities - 8,006,000,000 - - 8,006,000,000

VIII-Capital contribution and long-term investment

- - - - -

IX-Fixed assets and investment property

- - - - -

X-Other current assets - 717,663,764 173,125,494 - 890,789,258

Total assets 1,501,924,418 258,347,988,419 192,921,992,465 526,958,536 453,298,863,838

Accounts payable and owner’s equity

I- Deposits and loans from State Bank and other credit organizations

- - - - -

II-Deposits from customers - 216,230,228,253 191,782,260,000 - 408,012,488,253

III-Financial derivatives and other financial debts

- 179,122,561 - - 179,122,561

IV- Entrusted funds - - - - -

V-Issuance of valuable papers -

VI-Other liabilities - 4,384,496,630 818,559,376 - 5,203,056,006

VII- Capital and funds - - - - -

Total accounts payable and owner’s equity

- 220,793,847,444 192,600,819,376 - 413,394,666,820

Currency situation in the balance sheet 1,501,924,418 37,554,140,975 321,173,089 526,958,536 39,904,197,018

Portion (%) of the currency situation in comparison with the owner's equity

0.25% 6.28% 0.05% 0.09% 6.67%

Currency situation in the off-balance sheet

- - - - -

Currency situation in and out of the balance sheet

0.25% 6.28% 0.05% 0.09% 6.67%

Risk on currencyThe bank has adjusted the ceiling level on foreign currency but has been in safety limit and within the bank’s capacity. At present, the bank’s risk management is done by controling the portion of foreign currency under 30% of the bank’s capital.All transactions in and out of the balance sheet items are included into the portion of the foreign currency right after generation.


Le Truc phuong Tran Thi Bao Tram Truong Minh Khai



Auditor's report

No.: 0400/2008/BCTC-KTTV ON THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE FISCAL YEAR ENDED 2007 OF NAM A BANK

We have audited the accompanying consolidated financial statements of Nam A Bank including the consolidated balance sheet as of 31 December 2007, consolidated the income statement, the consolidated cash flow statement and the notes to the consolidated financial statements for the fiscal year then ended, which were prepared on 04 January 2008.The preparation and the presentation of these consolidated financial statements are the responsibility of the bank’s management. Our responsibility is to express an opinion on these financial statements based on our audit.

Audit backgroundOur audit is conducted in accordance with the International Auditing Standards as well as the Vietnamese Auditing Standards. These standards require that we plan and perform the audit procedures to obtain a reasonable assurance that the financial statements are free from material mistakes. The audit is developed on the basis of our performing the sampling method as well as applying the necessary examinations and tests of evidences supporting the amounts and the disclosures in the financial statements. The audit also includes our assessing the bank’s compliance with the prevailing accounting standards and system, the accounting principles and methods applied, the material estimates and judgment of the bank’s management as well as our evaluating the overall presentation of the financial statements. We believe that our audit has provided reasonable bases for our opinion.

Auditor’s opinionIn our opinion, the consolidated financial statements referred to above give a true and fair view, in all material respects, of the consolidated financial position as of 31 December 2007, the consolidated business results and the consolidated cash flows for the fiscal year then ended of Nam A Bank in conformity with the prevailing uniform accounting system and standards of the State Bank of Vietnam as well as other related regulations.

For and on behalf ofAuditing and Consulting Company Limited (A&C)

___________________________________ __________________________________Bui Van Kha – Deputy General Director Ho Van Tung - AuditorAudit Certificate No. Ñ.0085/KTV Audit Certificate No. Ñ.0092/KTV

Ho Chi Minh City, 07 April 2008

AUDITING AND CONSULTING COMPANY LIMITED (A&C)



BRanch netWoRK 2007


BRanch netWoRK


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HUNGARYBnp Paribas Hungaria Bank Rt, Budapest BNPAHUHX

INDIAAmerican Express Bank Ltd., New Delhi AEIBINDXBnp Paribas, Mumbai BNPAINMizuho Corporate Bank Ltd., Mumbai MHCBINBBSumitomo Mitsui Banking Corporation, Mumbai SMBCINBBWoori Bank HVBKIDJA

INDONESIABnp Paribas, Jakarta BNPAIDJAKorea Exchange Bank KOEXIDJAWoori Bank, Jakarta HVBKIDJA

IRANBank Melli Iran, Tehran MELIIRTH

IRELANDBnp Paribas Ireland, Bublin Br. BNPAIE2D

ITALYBanca Popolaire Dell’emilia Romagna,H.O Modena BPMOIT

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KOREAAmerican Express Bank Ltd., Seoul AEIBKRSXBank Of New York, Seoul IRVTKRSXBnp Paribas, Seoul BNPAKRSEHsbc, Seoul HSBCKRSEKookmin Bank CZNBKRSEKorea Exchange Bank, H.O Seoul KOEXKRSEMizuho Corporate Bank Ltd., Seoul MHCBKRSENational Federation Of Fisheries Cooperatives NFFCKRSE

ALGERIABnp Parisbas El Djazair, Algiers BNPADZAL

ARGENTINABnp Paribas, Succursale De Buenos Aires BNPAARBA

AUSTRALIAAustralia And New Zealand Banking Group Ltd. ANZBAU3M

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KUWAITBnp Paribas BNPAKWKW

LAOSBanque Pour Le Commerce Exterieur Lao (Vientiane) COEBLALA

LUXEMBOURGAmerican Express Bank Ltd., Luxembourg AEIBLULXBanca Popolaire Dell’emilia Romagna, Luxembourg BPMOLULSBank Of New York, Luxembourg IRVTLULXBnp Paribas, Luxembourg BNPALULL

MACAOBnp Paribas, Macau BNPAMOMX

MALAYSIACitibank N.A, Berhad CITIMYKLHsbc, Kuala Lumpur HBMBMYKLMizuho Corporate Bank Ltd., Labuan MHCBMYKAScotiabank, Kuala Lumpur NOSCMYKL

MARTINIQUEBnp Paribas, Fort De France BNPAMQMX

NETHERLANDSBnp Paribas, Amsterdam BNPANL2AKorea Exchange Bank, Amstelveen KOEXNL2AMizuho Corporate Bank Ltd., Amsterdam MHCBNL2A

NEW CALEDONIA

Bnp Paribas, Noumea BNPANCNXNEW ZEALAND

Australia And New Zealand BankingGroup Ltd. ANZBNZ22

NORWAYBnp Paribas, Oslo BNPANOKK

PAKISTANAmerican Express Bank Ltd., Karachi AEIBPKKX

PANAMABnp Paribas BNPAPAPAKorea Exchange Bank KOEXPAPA

PERUBnp Paribas, Lima BNPAPEPL

PHILIPPINESAmerican Express Bank Ltd., Manila AEIBPHMXBnp Paribas, Manila BNPAPHMMKorea Exchange Bank, Manila KOEXPHMMMizuho Corporate Bank Ltd., Manila MHCBPHMM

POLANDBnp Paribas, Warszawa BNPAPLPX

PORTUGALBnp Paribas, Lisbon BNPAPTPL

QATARBnp Paribas, Doha BNPAQAQA

REUNIONBnp Paribas, Saint Denis BNPARERX

RUSSIAN FEDERATION

Bnp Paribas, Moscow BNPARUMMSAUDI ARABIA

Bnp Paribas, Riyadh BNPASARISINGAPORE

American Express Bank AEIBSGSXBank Of New York IRVTSGSXBnp Paribas BNPASGSGCitibank Singapore CITISGSGCommonwealth Bank Of Australia CTBASGSGKorea Exchange Bank KOEXSGSGMizuho Corporate Bank Ltd., MHCBSGSGNatexis Banques Populaires BFCESGSGRaiffeisen Zentralbank Oesterreich Ag RZBASGSGScotiabank NOSCSGSGSumitomo Mitsui Banking Corporation SMBCSGSGUnited Overseas Bank Ltd., UOVBSGSGWoori Bank HVBKSGSG


Branch Network

HO CHI MINH CITY

District 1:Main Branch:97 Bis Ham Nghi Str., Nguyen Thai Binh Ward, Dist 1, HCMCSwitch board : (84-8) 8299 408Fax: (84-8) 8299 402 - 8246 311E-mail: [email protected], [email protected] Dinh Branch: 190 Bis Tran Quang Khai Str., Dist 1, HCMCTelephone: (84-8) 8484 257 - 8483 694 Fax: (84-8) 8438 655E-mail: [email protected] Thanh Branch:240 Le Thanh Ton Str., Dist 1, HCMCTelephone: (84-8) 8224 740Fax: (84-8) 8277 470E-mail: [email protected]

District 2:Dist 2 Transaction Office:53 Nguyen Duy Trinh Str., Binh Trung Tay Ward, Dist 2, HCMCTelephone: (84-8) 7436 093 - 7437 214Fax: (84-8) 7436 094E-mail: [email protected]

District 3:Cao Thang Transaction Office:101 Cao Thang Str., Dist 3, HCMCTelephone: (84-8) 9290 257 - 8327 958Fax: (84-8) 9290 257Email: [email protected]

District 4:Dist 4 Transaction Office:227 Hoang Dieu Str., Ward 6, Dist 4, HCMCTelephone: (84-8) 9434 138 - 9434 209Fax: (84-8) 9434 139E-mail:[email protected]

District 5:An Dong Branch:11 An Duong Vuong Str., Dist 5, HCMCTelephone: (84-8) 8307 177 - 8350 090Fax: (84-8) 8354 889E-mail: [email protected] Binh Transaction Office:726 Tran Hung Dao Str., Ward 2, Dist 5, HCMCTelephone: (84-8) 9244 002Fax: (84-8) 9240 997E-mail: [email protected]

District 6:Binh Tay Branch:2G Le Quang Trung Str., Dist 6, HCMCÑT (Telephone): (84-8) 9696 649 - 9691 031Fax: (84-8) 9697 198E-mail: [email protected]

District 8:Rach Ong Transaction Office:95 Nguyen Thi Tan Str., Dist 8. HCMCTelephone: (84-8) 8519 771 - 8519 778Fax: (84-8) 8519 779Email: [email protected]

District 10:Nga Bay Branch:461B Ly Thai To Str., Ward 9, Dist 10, HCMCTelephone: (84-8) 8348 206 - 8347 484 - 9272 855Fax: (84-8) 8347 484E-mail: [email protected] Hoa Hung Transaction Office:531E, Cach Mang Thang Tam Str., Ward 13, Dist 10, HCMCTelephone: (84-8) 8680 205 – 8680 206 Fax: (84-8) 8680 192E-mail: [email protected]

District 11:Phu Tho Transaction Office:522 Lac Long Quan Str., Ward 5, Dist 11, HCMCTelephone: (84-8) 9747 702 - 9747 704Fax: (84-8) 9747 703Email: [email protected]

District 12:Truong Chinh Branch:191 – 191A Truong Chinh Str., Tan Thoi Nhat Ward, Dist 12, HCMCTelephone: (84-8) 5923 427 - 5923 426Fax: (84-58) 5923 428Email: [email protected]

Tan Binh District:Tan Dinh Transaction Office:2651 Lac Long Quan Str., Ward 10, Tan Dinh Dist, HCMCTelephone: (84-8) 2935 972, 8640 068Fax: (84-8) 2935 973Email: [email protected] Cong Hoa Transaction Office:71 Hoang Hoa Tham Str., Ward 13, Tan Dinh Dist, HCMCTelephone: (84-8) 8124 916 - 8124 917Fax: (84-8) 8124 918E-mail: [email protected]

Binh Thanh District:Thi Nghe Barnch:36A Xo Viet Nghe Tinh Str., Binh Thanh Dist, HCMCTelephone: (84-8) 8408 758 (ext: 11, 12 14, 15, 16, 17, 18)Fax: (84-8) 5140 282E-mail: [email protected] Thanh Branch:600 Dien Bien Phu Str., Ward 22, Binh Thanh Dist, HCMCTelephone: (84-8) 5127 116 - 5127 117 Fax: (84-8) 5127 120E-mail: [email protected] Ba Chieu Transaction Office:380 Bui Huu Nghia Str., Ward 2, Binh Thanh Dist, HCMC Telephone: (84-8) 5511 984 - 5511 985Fax: (84-8) 5511 986E-mail: [email protected]

Tan Phu District:Tan Phu Transaction Office:572 (88D) Luy Ban Bich Str., Hoa Thanh Ward, Tan Phu Dist, HCMTelephone: (84-8) 9735 339 - 9735 340Fax: (84-8) 9735 341E-mail: [email protected]


Au Co Transaction Office:637B Au Co Str., Hoa Thanh Ward, Tan Phu Dist, HCMCTelephone: (84-8) 9751 534 – 9751 553 Fax: (84-8) 9751 534E-mail: [email protected]

Go Vap District:Quang Trung Branch:93 Quang Trung Str., Go Vap Dist, HCMCTelephone: (84-8) 9895 031 - 9894 339Fax: (84-8) 9895 037Email: [email protected] Go Vap Transaction Office:65 Nguyen Thai Son Str., Go Vap Dist, HCMCTelephone: (84-8) 8943 107 - 5886 406Fax: (84-8) 9853 556E-mail: [email protected] Moi Transaction Office:5/4 Le Duc Tho Str., Ward 13, Go Vap Dist, HCMCTelephone: (84-8) 916 5551Fax: (84-8) 916 5552E-mail:[email protected]

Thu Duc District:Thu Duc Branch:733 Kha Van Can Str., Linh Tay Ward,Thu Duc Dist, HCMCTelephone: (84-8) 8964 650 - 8969 971Fax: (84-8) 8969 974Email: [email protected]

Nha Be DistrictNha Be Transaction Office:312/6 Nguyen Binh Str., Hamlet 1, Phu Xuan Commune, Nha Be Dist, HCMC Telephone: (84-8) 777 0005 - 777 0007Fax: (84-8) 777 0006Email: [email protected]

Hoc Mon District:Hoc Mon C:1/11 Quang Trung Str., Hoc Mon Town, Hoc Mon Dist, HCMCTelephone: (84-8) 7106109Fax : (84-8) 7106108E-mail: [email protected]

Binh Chanh District:Binh Chanh Transaction Office:D6/41 Hamlet 4, Binh Chanh Commune, Binh Chanh Dist, HCMCÑT: (84-8) 4292 326 - 4292 327Fax: (84-8) 7605 353E-mail: [email protected]

BINH PHUOC PROVINCE

Binh Phuoc Branch:22 Plots, Highway 14, Tan Phu Ward, Dong Xoai Town, Binh Phuoc Province Telephone: (84-651) 888 235 - 888 236 – 888 589Fax: (84-651) 888 237Email: [email protected] Binh Transaction Office:143 Group 2, Quarter Ward, Phuoc Binh Town, Phuoc Long Dist, Binh Phuoc Province Telephone: (84-651) 773 326 - 773 325Fax: (84-651) 773 327Email: [email protected]

BINH DUONG PROVINCE

Binh Duong Transaction Office:284 Ward 1, Binh Duong Avenue, Phu Hoa Ward, Thu Dau Mot Town, Binh Duong ProvinceTelephone: (84-0650) 830 367 – 830 365 – 830 366Fax: (84-650) 842 108E-mail: [email protected]

KHANH HOA PROVINCE

Nha Trang Branch:41 Nguyen Thi Minh Khai Str., Nha Trang City, Khanh Hoa ProvinceTelephone: (84-58) 527 672 - 524 272Fax: (84-58) 524 656Email: [email protected] Cho Dam Transaction Office:B1 Cho Dam Apartment Building, Phan Boi Chau Str., Xuan Huong Ward, Nha Trang City, Khanh Hoa ProvinceTelephone: (84-58) 820 548 – 818 869Fax: (84-58) 820 593Email: [email protected] Binh Tan Transaction Office:312 Apartment Building Da Tuong,Nha Trang City, Khanh Hoa ProvinceTelephone: (84-58) 253099 – 731 117 – 253 088Fax: (84-58) 253099Email: [email protected] Van Ninh Transaction Office:48 Hung Vuong Str., Van Gia Town, Van Ninh Dist, Khanh Hoa ProvinceTelephone: (84-58) 911 740 – 246 467Fax: (84-58) 911 741Email: [email protected] Cau Dua Transaction Office:23/10 Str., Phu Vinh Hamlet, Vinh Thanh Commune, Nha Trang CityTelephone: (84-58) 254 135 - 254 133 - 254 132Fax: (84-58) 254 135Email: [email protected]

BINH DINH PROVINE:

Quy Nhon Branch:SR18, SR 19, Quy Nhon Trade Centre07 Nguyen Tat Thanh, Quy Nhon City, Binh Dinh ProvineTelephone: (84-56) 525 842 - 525 049Fax: (84-56) 525 877Email: [email protected] Cho Lon Transaction Office:19 Tang Bat Ho, Quy Nhon City, Binh Dinh ProvinceTelephone: (84-56) 813 632Fax: (84-56) 813 634Email: [email protected] An Nhon Transaction Office:96 Ngo Gia Tu Str., Binh Dinh Town, An Nhon Dist, Binh Dinh ProvineTelephone: (84-56) 736 336Fax: (84-56) 736 337E-mail: [email protected]

DA NANG PROVINCE

Da Nang Branch:65-67 Nguyen Van Linh Str., Hai Chau Dist, Da Nang CitySwitch board : (84-511) 3584 570 - 3584 571Fax: (84-511) 3584 569E-mail: [email protected]

HANOI CAPITAL

Ha Noi Branch:20 Nguyen Thai Hoc Ward, Dien Bien Ward, Ba Dinh Dist, Hanoi CapitalSwitch board: (84-4) 7712 909 - 7710 046 Fax: (84-4) 7712 998E-mail: [email protected] Vo Transaction Office:D8 Giang Vo Str., Ba Dinh Dist, Hanoi CapitalTelephone: (84-4) 8433 261Fax: (84-4) 8236 385E-mail: [email protected] Dong Tam Transaction Office:242 Le Thanh Nghi Str., Hai Ba Trung Ward, Hanoi CapitalTelephone: (84-4) 6283 470 - 6283 955Fax: (84-4) 6283 966Email: [email protected] Dong Do Transaction Office:68 Nguyen Khuyen Ward, Van Mieu Ward, Dong Da Dist, Hanoi CapitalTelephone: (84-4) 747 8368Fax: (84-4) 747 8367Email: [email protected] Xuan Transaction Office:52 Hang Ga, Hoan Kiem Dist, Hanoi CapitalTelephone: (84-4) 8244 819 - 8280 643 – 9233 318Fax: (84-4) 8280 643Email: [email protected] Long Transaction Office:01 Floor, A3 Building Thang Long International Area, Tran Dang Ninh Street, Dich Vong Ward, Cau Giay Dist, Hanoi CapitalTelephone: (84-4) 754 5855 – 755 4442 – 755 4440Fax: (84-4) 754 5856Email: [email protected] Xuan Transaction Office:293 Nguyen Trai Str., Thanh Xuan Dist, Hanoi Capital Telephone: (84-4) 557 5848 – 557 5849Fax: (84-4) 5575850E-mail: [email protected]

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Documents

NamA_Annual2007