GiaDinh_Annual2007 by Phan Thanh

BAÙO CAÙO THÖÔØNG NIEÂN

2007 ANNUAL REPORT

PHAÀN I

LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 1. Nhöõng söï kieän quan troïng 2. Quaù trình phaùt trieån 3. Ñònh höôùng phaùt trieån

7 7 8 9

PHAÀN II

BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ 1. Nhöõng neùt noåi baät cuûa keát quaû hoaït ñoäng trong naêm 2. Tình hình thöïc hieän so vôùi keá hoaïch 3. Nhöõng thay ñoåi chuû yeáu trong naêm 4. Trieån voïng vaø keá hoaïch trong töông lai

11 11 11 11 11

PHAÀN III

BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC

1. Baùo caùo tình hình taøi chính 2. Baùo caùo keát quaû hoaït ñoäng saûn xuaát kinh doanh 3. Nhöõng tieán boä Ngaân haøng TMCP Gia Ñònh ñaõ ñaït ñöôïc 4. Keá hoaïch phaùt trieån trong töông lai

12 12 13 14

PHAÀN IV

BAÙO CAÙO TAØI CHÍNH

PHAÀN V

BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 1. Kieåm toaùn ñoäc laäp 2. Kieåm toaùn noäi boä

18 18 19

PHAÀN VI

TOÅ CHÖÙC VAØ NHAÂN SÖÏ

PHAÀN VII

THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 1. Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt 2. Caùc döõ lieäu thoáng keâ veà coå ñoâng

26 26 30

MAÏNG LÖÔÙI HOAÏT ÑOÄNG

PART I

OPERATIONAL HISTORY OF THE BANK 1. Important events 2. Development process 3. Development orientation

37 37 38 39

PART II

REPORT OF THE BOARD OF DIRECTORS 1. Highlights in 2007 performance 2. Performance in comparison with plan targets 3. Major changes during the year 4. Prospect and plan in the future

41 41 41 41 41

PART III

REPORT OF THE GENERAL DIRECTOR 1. Financial position 2. Business performance 3. Achievements of Gia Dinh Bank 4. Business plan developing in the future

42 42 42 43 44

PART IV

FINANCIAL STATEMENTS

PART V

NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 1. Independent auditor’s report 2. Internal auditor’s report

48 48 49

PART VI

ORGANIZATION AND HUMAN RESOURCE

PART VII

INFOMATION ON SHAREHOLDERS AND BANK MANAGEMENT 1. The Board of Directors and the Supervisory Board 2. Statistics data on shareholders

56 56 60

OPERATION NETWORK (AS OF MARCH 2008)

PHAÀN I

LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 1. Nhöõng söï kieän quan troïng 2. Quaù trình phaùt trieån 3. Ñònh höôùng phaùt trieån

7 7 8 9

PHAÀN II

11 11 11 11 11

PHAÀN III

BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC

12 12 13 14

PHAÀN IV

BAÙO CAÙO TAØI CHÍNH

PHAÀN V

BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 1. Kieåm toaùn ñoäc laäp 2. Kieåm toaùn noäi boä

18 18 19

PHAÀN VI

TOÅ CHÖÙC VAØ NHAÂN SÖÏ

PHAÀN VII

THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 1. Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt 2. Caùc döõ lieäu thoáng keâ veà coå ñoâng

26 26 30

MAÏNG LÖÔÙI HOAÏT ÑOÄNG

PART I

OPERATIONAL HISTORY OF THE BANK 1. Important events 2. Development process 3. Development orientation

37 37 38 39

PART II

REPORT OF THE BOARD OF DIRECTORS 1. Highlights in 2007 performance 2. Performance in comparison with plan targets 3. Major changes during the year 4. Prospect and plan in the future

41 41 41 41 41

PART III

REPORT OF THE GENERAL DIRECTOR 1. Financial position 2. Business performance 3. Achievements of Gia Dinh Bank 4. Business plan developing in the future

42 42 42 43 44

PART IV

FINANCIAL STATEMENTS

PART V

NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 1. Independent auditor’s report 2. Internal auditor’s report

48 48 49

PART VI

ORGANIZATION AND HUMAN RESOURCE

PART VII

INFOMATION ON SHAREHOLDERS AND BANK MANAGEMENT 1. The Board of Directors and the Supervisory Board 2. Statistics data on shareholders

56 56 60

OPERATION NETWORK (AS OF MARCH 2008)

THOÂNG ÑIEÄP

Söùc soáng

CUÛA CHUÛ TÒCH HOÄI ÑOÀNG QUAÛN TRÒ

cho haønh trình môùi

Kính thöa quyù vò! Toâi raát vui möøng vaø cuøng chia seû vôùi quyù coå ñoâng veà nhöõng thaønh coâng maø Ngaân haøng thöông maïi coå phaàn Gia Ñònh (Gia Ñònh Ngaân haøng) ñaõ ñaït ñöôïc trong naêm 2007. Ñoái vôùi hoaït ñoäng kinh doanh, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát caùc chæ tieâu do Ñaïi hoäi ñoàng coå ñoâng ñeà ra vôùi keát quaû sau cuøng laø vöôït möùc keá hoaïch lôïi nhuaän tröôùc thueá. Vaø cuõng trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ toå chöùc kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), taïo theâm cô sôû vöõng chaéc cho söï phaùt trieån cuûa Gia Ñònh Ngaân haøng. Nhieäm vuï ñaët ra trong naêm 2008 laø heát söùc naëng neà nhöng vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, caùn boä nhaân vieân cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa coå ñoâng chieán löôïc, Gia Ñònh Ngaân haøng seõ phaùt trieån thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam. Trong naêm 2008 vaø nhöõng naêm tieáp theo, Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån coù ñònh höôùng, luoân taïo moâi tröôøng laøm vieäc thuaän lôïi, chuù troïng caûi tieán heä thoáng quaûn lyù Ngaân haøng töøng böôùc theo tieâu chuaån ISO vaø xaây döïng thöông hieäu maïnh GiaDinhBank. Ñeå ñaït nhöõng muïc tieâu treân, Hoäi Ñoàng Quaûn Trò luoân coù söï quan taâm, chæ ñaïo saâu saùt cuøng vôùi Ban Ñieàu haønh trong hoaït ñoäng cuûa ngaân haøng, thöïc hieän toát caùc nghò quyeát Ñaïi hoäi coå ñoâng ñeà ra. Thay maët Hoäi Ñoàng Quaûn Trò, toâi xin chaân thaønh caûm ôn söï quan taâm vaø hoã trôï cuûa Laõnh ñaïo Ngaân haøng Nhaø nöôùc, Laõnh ñaïo chính quyeàn caùc caáp, söï ñoùng goùp vaø uûng hoä voâ cuøng quyù baùu cuûa quyù coå ñoâng, ñaëc bieät laø söï tín nhieäm cuûa quyù khaùch haøng ñaõ coäng taùc vaø gaén boù vôùi Gia Ñònh Ngaân haøng hôn 15 naêm qua. Ñaây chính laø nhöõng ñoäng löïc vaø nieàm tin ñeå Gia Ñònh Ngaân haøng vöõng vaøng tieáp böôùc haønh trình môùi. Do ñoù, trong thôøi gian tôùi, chaéc chaén chuùng toâi raát caàn ñeán söï uûng hoä, giuùp ñôõ nhieàu hôn nöõa cuûa quyù vò ñeå ñöa Gia Ñònh Ngaân haøng nhanh choùng phaùt trieån thaønh moät trong nhöõng ngaân haøng coù khaû naêng caïnh tranh cao taïi Vieät Nam. Ngoaøi ra, toâi cuõng xin caûm ôn söï gaén boù vaø noã löïc trong coâng vieäc cuûa caùn boä coâng nhaân vieân Gia Ñònh Ngaân haøng trong nhöõng naêm qua vaø nhaát laø trong naêm 2007.

CHUÛ TÒCH HÑQT

OÂng NGUYEÃN VAÊN SEÕ

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

THOÂNG ÑIEÄP

Söùc soáng

CUÛA CHUÛ TÒCH HOÄI ÑOÀNG QUAÛN TRÒ

cho haønh trình môùi

CHUÛ TÒCH HÑQT

OÂng NGUYEÃN VAÊN SEÕ

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN I

LÒCH SÖÛ HOAÏT ÑOÄNG CUÛA NGAÂN HAØNG 1. NHÖÕNG SÖÏ KIEÄN QUAN TROÏNG 1.1 Vieäc thaønh laäp Ngaân haøng thöông maïi coå phaàn Gia Ñònh (döôùi ñaây ñöôïc goïi laø Gia Ñònh Ngaân haøng) ñöôïc thaønh laäp vaø hoaït ñoäng theo giaáy pheùp soá 0025/NH-GP ngaøy 22/08/1992 do Thoáng ñoác Ngaân haøng Nhaø nöôùc caáp, giaáy pheùp soá 576/GP-UB ngaøy 08/10/1992 do UÛy Ban Nhaân Daân TP. HCM caáp. 1.2 Caùc söï kieän khaùc Thaùng 5/1994: Taïi Gia Ñònh Ngaân haøng xaûy ra vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn”, moät soá nhaân vaät chuû choát trong HÑQT, Ban TGÑ cuõ bò khôûi toá vaø baét giam do vi phaïm phaùp luaät veà quaûn lyù, ñieàu haønh hoaït ñoäng ngaân haøng, ñaåy Gia Ñònh Ngaân haøng ñöùng tröôùc nguy cô phaù saûn vôùi toån thaát taøi chính treân 63 tyû ñoàng cuøng nhieàu khoù khaên lôùn khaùc phaûi ñoái maët nhö Voán ñieàu leä chæ coù 20,104 tyû ñoàng nhöng voán khoáng ñaõ laø 19,644 tyû ñoàng, soá voán coøn laïi cuõng khoâng coøn do toån thaát quaù lôùn, dö nôï tín duïng khoáng chieám treân 95%, quyõ tieàn maët khoâng coøn, caùc truï sôû hoaït ñoäng ñeàu ñi thueâ, aùp löïc ruùt tieàn oà aït cuûa daân, nhaân vieân xin nghæ vieäc. Thaùng 8/1994: Ban Laõnh ñaïo môùi (laø caùc caùn boä coù chuyeân moân cao ñöôïc ñieàu ñoäng töø caùc Ngaân haøng thöông maïi treân ñòa baøn TP. HCM) chính thöùc tieáp quaûn Gia Ñònh Ngaân haøng vôùi nhieäm vuï heát söùc naëng neà laø vöøa phaûi giaûi quyeát haäu quaû cuûa vuï aùn ñeå laïi, vöøa phaûi ñaûm baûo oån ñònh vaø phaùt trieån hoaït ñoäng Ngaân haøng. Naêm 1994 - 2004: Thôøi kyø 10 naêm kieän toaøn cuûng coá hoaït ñoäng. Ñöôïc söï chæ ñaïo kòp thôøi cuûa Thaønh UÛy, UBND TP.HCM vaø Ngaân haøng Nhaø nöôùc cho pheùp aùp duïng moät soá bieän phaùp tình theá, trong ñoù coù khoaûn vay ñaëc bieät cuûa NHNN 26 tyû ñoàng cuøng söï hoã trôï cuûa 16 Ngaân haøng thöông maïi goùp voán coå phaàn 25,5 tyû ñoàng vaø söï noã löïc heát mình cuûa taäp theå Ban Laõnh ñaïo môùi, CBNV ñaõ töøng böôùc ñöa Gia Ñònh Ngaân haøng vöôït qua ñöôïc khoù khaên, oån ñònh hoaït ñoäng cho tôùi ngaøy hoâm nay. Naêm 2005: Naêm baûn leà, vôùi voán ñieàu leä laø 80 tyû ñoàng ñaõ ñaùnh daáu moät coät moác quan troïng cho söï tröôûng thaønh cuûa Gia Ñònh Ngaân haøng: voán ñieàu leä khoáng ñöôïc xoùa, voán ñieàu leä hieän höõu cao hôn möùc voán phaùp ñònh theo qui ñònh cuûa Nhaø nöôùc. Naêm 2006: Baét ñaàu phaùt trieån ° Taêng voán ñieàu leä leân 210 tyû ñoàng ° Xoùa toaøn boä maát caân ñoái vaø laàn ñaàu tieân Gia Ñònh Ngaân haøng chia coå töùc 7% ° Khaùnh thaønh truï sôû chính taïi 135 Phan Ñaêng Löu, Q. PN, TP. HCM ° Ñöôïc xeáp haïng 19/29 Ngaân haøng thöông maïi treân caû nöôùc veà möùc ñoä saün saøng cho phaùt trieån vaø öùng duïng coâng ngheä thoâng tin do Hoäi Tin hoïc Vieät Nam baàu choïn.

Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), theo ñoù VietcomBank luoân duy trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân haøng thöông maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Naêm 2007: Tieáp tuïc phaùt trieån coù ñònh höôùng ° Taêng Voán ñieàu leä leân 444,623 tyû ñoàng ° Kyù keát Thoûa thuaän ñaàu tö vaø hôïp taùc chieán löôïc vôùi Ngaân haøng Ngoaïi thöông Vieät Nam (Vietcombank), theo ñoù VietcomBank luoân duy trì tyû leä sôû höõu voán coå phaàn 30% vaø trôû thaønh coå ñoâng chieán löôïc duy nhaát cuûa Gia Ñònh Ngaân haøng, cuøng nhöõng cam keát hoã trôï toaøn dieän nhaèm ñöa Gia Ñònh Ngaân haøng trôû thaønh ngaân haøng thöông maïi coù khaû naêng caïnh tranh cao taïi Vieät Nam ° Môû roäng maïng löôùi hoaït ñoäng taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân. ° Ñöôïc Hieäp hoäi Doanh nghieäp nhoû vaø vöøa Vieät Nam, Lieân minh caùc HTX Vieät Nam, Hoäi Khoa hoïc Ñoâng Nam AÙ phoái hôïp vôùi maët traän toå quoác Vieät Nam trao taëng “Cuùp vaøng thöông hieäu vaø nhaõn hieäu” laàn 2 naêm 2007.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN I

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

° Ñöôïc Hieäp hoäi Ngaân haøng Vieät Nam taëng giaáy khen naêm 2007. ° Ñöôïc Vieän quaûn lyù tri thöùc vaø coâng ngheä, Trung taâm nghieân cöùu Chaâu AÙ Thaùi Bình Döông, Toøa soaïn thoâng tin QCA Thöông maïi chöùng nhaän danh hieäu doanh nghieäp Vieät Nam uy tín, chaát löôïng 2007. ° Gia Ñònh Ngaân haøng töï ñaùnh giaù xeáp loaïi A theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc.

LÔÏI NHUAÄN

Trieäu ñoàng 215783

2. QUAÙ TRÌNH PHAÙT TRIEÅN 2.1 Ngaønh ngheà kinh doanh Huy ñoäng voán ngaén haïn, trung haïn, daøi haïn döôùi caùc hình thöùc tieàn göûi coù kyø haïn, khoâng kyø haïn, chöùng chæ tieàn göûi; tieáp nhaän voán ñaàu tö vaø phaùt trieån; vay voán caùc toå chöùc tín duïng khaùc; cho vay ngaén haïn, trung haïn, daøi haïn; chieát khaáu thöông phieáu, traùi phieáu vaø giaáy tôø coù giaù; huøn voán vaø lieân doanh theo phaùp luaät hieän haønh; laøm dòch vuï thanh toaùn giöõa caùc khaùch haøng; kinh doanh ngoaïi teä, vaøng baïc; thanh toaùn quoác teá; huy ñoäng caùc loaïi voán töø nöôùc ngoaøi vaø caùc dòch vuï ngaân haøng khaùc trong quan heä vôùi nöôùc ngoaøi khi ñöôïc Ngaân haøng Nhaø nöôùc cho pheùp. Dòch vuï caàm ñoà. 2.2 Tình hình hoaït ñoäng Trong suoát 15 naêm hình thaønh vaø phaùt trieån, ñieàu ñaùng ghi nhaän laø Gia Ñònh Ngaân haøng vöøa hoaøn toaøn khaéc phuïc ñöôïc nhöõng haäu quaû töø vuï aùn “Thaùi Kim Lieâng vaø ñoàng boïn” vöøa töøng böôùc oån ñònh hoaït ñoäng vaø phaùt trieån. Ñieàu naøy ñöôïc theå hieän baèng caùc chæ soá taøi chính cuûa Gia Ñònh Ngaân haøng qua caùc naêm nhö sau:

Trieäu ñoàng

2500000 2036415

1500000

444623

400000 300000

1000000

210000

200000

783873

150000

502687

100000

80000

50000 Naêm 2005

Naêm 2006

Naêm 2007

Naêm 2005

Naêm 2006

Naêm 2007

DÖ NÔÏ TÍN DUÏNG

HUY ÑOÄNG VOÁN Trieäu ñoàng

Trieäu ñoàng

1200000

1400000 1257161

1200000

1051172

1000000

2007

Chi phí giai ñoaïn 2005-2007

600000

521006

533490

400000

389470

200000

Naêm 2005

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Naêm 2006

Naêm 2007

390211

Naêm 2005

Naêm 2006

3. ÑÒNH HÖÔÙNG PHAÙT TRIEÅN 3.1 Caùc muïc tieâu chuû yeáu cuûa naêm 2008 Toác ñoä taêng so vôùi naêm 2007 - Toång taøi saûn : 3.110 tyû ñoàng 53% - Voán huy ñoäng : 1.920 tyû ñoàng 53% - Dö nôï tín duïng : 1.800 tyû ñoàng 71% (Möùc dö nôï tín duïng thöïc teá coù theå ñöôïc ñieàu chænh cho phuø hôïp vôùi qui ñònh cuûa Ngaân haøng Nhaø nöôùc). - Keát quaû kinh doanh: + Toång thu nhaäp : 326,8 tyû ñoàng 51% + Toång chi phí : 229,8 tyû ñoàng 100% + Lôïi nhuaän tröôùc thueá: 97,0 tyû ñoàng 130% - Soá löôïng nhaân vieân : 490 ngöôøi 127% 3.2 Chieán löôïc phaùt trieån trung vaø daøi haïn Vôùi lôïi theá coù caùc coå ñoâng phaùp nhaân laø caùc Ngaân haøng thöông maïi, ñaëc bieät coù coå ñoâng chieán löôïc laø Vietcombank cam keát hoã trôï thieát thöïc vaø laâu daøi, Gia Ñònh Ngaân haøng ñònh höôùng chieán löôïc phaùt trieån thaønh moät Ngaân haøng baùn leû vôùi maïng löôùi roäng khaép, phaùt trieån saûn phaåm, dòch vuï vaø cung caáp nhieàu tieän ích Ngaân haøng döïa treân neàn taûng öùng duïng coâng ngheä thoâng tin tieân tieán. Ñaûm baûo taêng tröôûng nhanh nhöng vaãn trong taàm kieåm soaùt vôùi ñoäi nguõ caùn boä coù ñaïo ñöùc, ñuû naêng löïc hieåu vaø thöïc thi chieán löôïc, keá hoaïch kinh doanh moät caùch toát nhaát. Vôùi ñònh höôùng chieán löôïc taêng tröôûng cao coù söï tham gia goùp voán cuûa nhaø ñaàu tö chieán löôïc Ngaân haøng Ngoaïi thöông Vieät Nam, hieäu quaû hoaït ñoäng kinh doanh cuûa Gia Ñònh Ngaân haøng ñeán naêm 2010 döï kieán ñaït ñöôïc nhö sau:

800000

2006 Thu nhaäp giai ñoaïn 2005-2007

450000

250000

400000

42103

Trieäu ñoàng

350000

63565

51210

500000

2000000

500000

117239

2005

VOÁN ÑIEÀU LEÄ

TOÅNG TAØI SAÛN

114751

+ Voán ñieàu leä

: 4.000 tyû ñoàng

+ Toång taøi saûn

: 19.500 tyû ñoàng

+ Voán huy ñoäng

: 15.000 tyû ñoàng

+ Dö nôï tín duïng

: 12.000 tyû ñoàng

Naêm 2007

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

LÔÏI NHUAÄN

Trieäu ñoàng 215783

Trieäu ñoàng

2500000 2036415

1500000

444623

400000 300000

1000000

210000

200000

783873

150000

502687

100000

80000

50000 Naêm 2005

Naêm 2006

Naêm 2007

Naêm 2005

Naêm 2006

Naêm 2007

DÖ NÔÏ TÍN DUÏNG

HUY ÑOÄNG VOÁN Trieäu ñoàng

Trieäu ñoàng

1200000

1400000 1257161

1200000

1051172

1000000

2007

Chi phí giai ñoaïn 2005-2007

600000

521006

533490

400000

389470

200000

Naêm 2005

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Naêm 2006

Naêm 2007

390211

Naêm 2005

Naêm 2006

800000

2006 Thu nhaäp giai ñoaïn 2005-2007

450000

250000

400000

42103

Trieäu ñoàng

350000

63565

51210

500000

2000000

500000

117239

2005

VOÁN ÑIEÀU LEÄ

TOÅNG TAØI SAÛN

114751

+ Voán ñieàu leä

: 4.000 tyû ñoàng

+ Toång taøi saûn

: 19.500 tyû ñoàng

+ Voán huy ñoäng

: 15.000 tyû ñoàng

+ Dö nôï tín duïng

: 12.000 tyû ñoàng

Naêm 2007

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN II

BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ

Phieân hoïp ñònh kyø cuûa HÑQT 1. NHÖÕNG NEÙT NOÅI BAÄT CUÛA KEÁT QUAÛ HOAÏT ÑOÄNG KINH DOANH TRONG NAÊM Naêm 2007 Gia Ñònh Ngaân haøng ñaït ñöôïc keát quaû khaû quan nhö sau: Chæ tieâu

Ñôn vò : trieäu ñoàng

naêm 2006

naêm 2007

% taêng tröôûng

Toång taøi saûn

783.873

2.036.415

160

Dö nôï

521.006

1.051.172

102

Huy ñoäng

533.490

1.257.161

136

19.323

101.03

423

05 ñôn vò

20 ñôn vò

300

Lôïi nhuaän tröôùc thueá Maïng löôùi

2. TÌNH HÌNH THÖÏC HIEÄN SO VÔÙI KEÁ HOAÏCH Chæ tieâu

Ñôn vò : trieäu ñoàng

Keá hoaïch

Thöïc hieän

So vôùi keá hoaïch (%)

2.036.415

Voán huy ñoäng

586.000

1.257.161

215

Dö nôï tín duïng

782.000

1.051.172

134

101.032

42.000

42.202

100,5

58.830

Toång taøi saûn

Lôïi nhuaän tröôùc thueá - Töø hoaït ñoäng kinh doanh - Töø baùn ñaát Vuõng Taøu

3 NHÖÕNG THAY ÑOÅI CHUÛ YEÁU TRONG NAÊM

Trong xu theá chung caùc toå chöùc, taäp ñoaøn kinh teá caàn coù söï lieân keát, hôïp taùc ñeå phaùt trieån. Nhaän thöùc ñöôïc vaán ñeà naøy, Hoäi Ñoàng Quaûn Trò ñaõ thoáng nhaát trình vaø ñaõ ñöôïc Ñaïi hoäi coå ñoâng Gia Ñònh Ngaân haøng thoâng qua vieäc löïa choïn Vietcombank laø coå ñoâng chieán löôïc duy nhaát vôùi soá voán goùp duy trì ôû möùc 30%/toång soá voán ñieàu leä cuûa Gia Ñònh Ngaân haøng cuøng nhöõng cam keát hoã trôï thieát thöïc vaø laâu daøi, tröôùc maét ñaõ cöû 03 thaønh vieân tham gia Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt nhaèm boå sung vaø taêng cöôøng söùc maïnh cho Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt.

4. TRIEÅN VOÏNG VAØ KEÁ HOAÏCH TRONG TÖÔNG LAI

Vôùi söï noã löïc cuûa taäp theå Laõnh ñaïo, CBCNV cuûa Gia Ñònh Ngaân haøng cuøng vôùi söï hoã trôï thieát thöïc vaø laâu daøi cuûa Vietcombank – Coå ñoâng chieán löôïc vaø vieäc chuù troïng caûi tieán heä thoáng quaûn lyù, hoaït ñoäng Ngaân haøng theo tieâu chuaån ISO, Gia Ñònh Ngaân haøng chaéc chaén phaùt trieån nhanh trôû thaønh moät Ngaân haøng thöông maïi coù ñuû söùc caïnh tranh taïi Vieät Nam trong töông lai gaàn. Hoäi Ñoàng Quaûn Trò luoân keà vai saùt caùnh vôùi Ban Ñieàu haønh ñeå thöïc thi toát nhaát ñònh höôùng chieán löôïc ñeà ra nhaèm xaây döïng thöông hieäu maïnh GiaDinhBank.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN II

BAÙO CAÙO CUÛA HOÄI ÑOÀNG QUAÛN TRÒ

Ñôn vò : trieäu ñoàng

naêm 2006

naêm 2007

% taêng tröôûng

Toång taøi saûn

783.873

2.036.415

160

Dö nôï

521.006

1.051.172

102

Huy ñoäng

533.490

1.257.161

136

19.323

101.03

423

05 ñôn vò

20 ñôn vò

300

Lôïi nhuaän tröôùc thueá Maïng löôùi

2. TÌNH HÌNH THÖÏC HIEÄN SO VÔÙI KEÁ HOAÏCH Chæ tieâu

Ñôn vò : trieäu ñoàng

Keá hoaïch

Thöïc hieän

So vôùi keá hoaïch (%)

2.036.415

Voán huy ñoäng

586.000

1.257.161

215

Dö nôï tín duïng

782.000

1.051.172

134

101.032

42.000

42.202

100,5

58.830

Toång taøi saûn

Lôïi nhuaän tröôùc thueá - Töø hoaït ñoäng kinh doanh - Töø baùn ñaát Vuõng Taøu

3 NHÖÕNG THAY ÑOÅI CHUÛ YEÁU TRONG NAÊM

4. TRIEÅN VOÏNG VAØ KEÁ HOAÏCH TRONG TÖÔNG LAI

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN III

BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 1. BAÙO CAÙO TÌNH HÌNH TAØI CHÍNH 1.1 Khaû naêng sinh lôøi CHÆ TIEÂU

Naêm 2005

Naêm 2006

Naêm 2007

Lôïi nhuaän sau thueá treân voán ñieàu leä bình quaân

18,03%

9,83%

24,14%

Lôïi nhuaän sau thueá treân voán CSH bình quaân (ROE)

15,21%

9,15%

23,05%

1,66%

1,52%

3,16%

Lôïi nhuaän sau thueá treân toång taøi saûn (ROA)

Trong naêm 2007 maëc duø toác ñoä taêng tröôûng cao veà toång taøi saûn (taêng 160%) vaø voán ñieàu leä (taêng 112%) nhöng caùc tyû leä phaûn aùnh khaû naêng sinh lôøi ñeàu ñaït ôû möùc taêng tröôûng khaù cao. Ñieàu naøy cho thaáy hoaït ñoäng cuûa Gia Ñònh Ngaân haøng ñang ngaøy caøng phaùt trieån. 1.2 Khaû naêng thanh toaùn CHÆ TIEÂU Tyû leä khaû naêng chi traû (laàn) Tyû leä nguoàn voán ngaén haïn söû duïng ñeå cho vay trung daøi haïn (%)

Naêm 2005

Naêm 2006

Naêm 2007

4,25

3,04

2,32

Qua soá lieäu treân cho thaáy, Gia Ñònh Ngaân haøng luoân duy trì khaû naêng thanh toaùn ôû möùc heát söùc an toaøn. 1.3 Phaân tích caùc heä soá an toaøn trong hoaït ñoäng Ngaân haøng Tyû leä an toaøn voán tính ñeán thôøi ñieåm 31/12/2007 laø 77,90%.Tyû leä an toaøn voán cuûa Gia Ñònh Ngaân haøng luoân ñaûm baûo ñuùng quy ñònh. Maëc duø dö nôï tín duïng cuûa Gia Ñònh Ngaân haøng naêm 2007 coù toác ñoä taêng tröôûng maïnh so vôùi naêm 2006 (taêng 102%) nhöng tyû leä nôï xaáu chæ chieám 0,44%/toång dö nôï. Taát caû caùc khoaûn nôï xaáu naøy ñeàu ñöôïc ñaûm baûo baèng taøi saûn theá chaáp hôïp phaùp vaø ñeàu coù khaû naêng thu hoài. 1.4 Phaân tích nhöõng bieán ñoäng-nhöõng thay ñoåi lôùn so vôùi döï kieán vaø nguyeân nhaân daãn ñeán bieán ñoäng Trong naêm 2007, Gia Ñònh Ngaân haøng döï kieán phaùt haønh 500 tyû ñoàng traùi phieáu chuyeån ñoåi nhöng khoâng thöïc hieän ñöôïc do khi ñöôïc Ngaân haøng Nhaø nöôùc vaø UÛy Ban Chöùng khoaùn Nhaø nöôùc chaáp thuaän thì ñaõ gaàn heát naêm 2007, khoâng ñuû thôøi gian ñeå thöïc hieän. 1.5 Nhöõng thay ñoåi veà voán coå ñoâng Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ thöïc hieän 02 ñôït taêng voán nhaèm taêng khaû naêng taøi chính vaø ñaùp öùng taêng tröôûng hoaït ñoäng. Voán ñieàu leä cuoái naêm 2007 ñaït 444,623 tyû ñoàng (trong ñoù voán goùp cuûa coå ñoâng chieán löôïc Vietcombank chieám 30% voán ñieàu leä). 1.6 Soá löôïng coå phieáu ñang löu haønh Gia Ñònh Ngaân haøng chæ phaùt haønh coå phieáu phoå thoâng vaø tính ñeán thôøi ñieåm 31/12/2007 toång soá coå phieáu phoå thoâng ñang löu haønh laø 44.462.300 coå phieáu. 1.7 Coå töùc Gia Ñònh Ngaân haøng chia coå töùc cho caùc coå ñoâng baèng tieàn maët vaø tyû leä ñöôïc chia nhö sau: - Coå ñoâng naém giöõ coå phieáu phaùt haønh ñeán ngaøy 18/07/2005: 59,24%. - Coå ñoâng naém giöõ coå phieáu phaùt haønh sau ngaøy 18/07/2005 ñeán 31/12/2007: 12,59%.

2. BAÙO CAÙO KEÁT QUAÛ HOAÏT ÑOÄNG

Caùc chæ tieâu hoaït ñoäng naêm 2007 cuûa Gia Ñònh Ngaân haøng ñeàu taêng cao so vôùi naêm tröôùc, cuï theå nhö sau: ° Toång taøi saûn ñeán 31/12/2007 ñaït 2.036.415 trieäu ñoàng, taêng 1.252.542 trieäu ñoàng so 31/12/2006 (tyû leä taêng 159,8%). ° Toång soá dö huy ñoäng voán ñeán 31/12/2007 ñaït 1.257.161 trieäu ñoàng, taêng 135,6% so vôùi naêm 2006 vaø ñaït 215% so vôùi keá hoaïch. Soá dö huy ñoäng bình quaân ñaït 764.686 trieäu ñoàng, taêng 71,3% so vôùi bình quaân naêm 2006. ° Toång dö nôï tín duïng ñeán 31/12/2007 ñaït 1.051.172 trieäu ñoàng, taêng 101,8% so vôùi naêm 2006 vaø ñaït 134% so vôùi keá hoaïch. Dö nôï tín duïng bình quaân ñaït 716.870 trieäu ñoàng, taêng 70,8% so vôùi bình quaân naêm 2006.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Ban Toång Giaùm Ñoác ° Keát quaû kinh doanh naêm 2007 : Lôïi nhuaän tröôùc thueá ñaït 101.032 trieäu ñoàng, taêng 81.709 trieäu ñoàng, (tyû leä taêng 423%) so vôùi naêm 2006. ° Caùc heä soá an toaøn nhö tyû leä an toaøn voán toái thieåu, tyû leä khaû naêng chi traû, tyû leä cuûa nguoàn voán ngaén haïn söû duïng ñeå cho vay trung daøi haïn,… ñaûm baûo thöïc hieän ñuùng theo qui ñònh cuûa NHNN.

3. NHÖÕNG TIEÁN BOÄ ÑAÕ ÑAÏT ÑÖÔÏC 3.1 Nhöõng caûi tieán veà cô caáu toå chöùc, chính saùch, quaûn lyù ° Ñaùp öùng nhu caàu taêng tröôûng môû roäng hoaït ñoäng, trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ cô caáu laïi caùc Phoøng Ban taïi Hoäi sôû cho phuø hôïp vôùi tình hình môùi, theo ñoù ñaõ taùch vaø thaønh laäp môùi Phoøng Ban chuyeân traùch nhö Phoøng Thaåm ñònh taøi saûn, Marketing, Phaùp cheá, Ñaàu tö... Ñoàng thôøi toå chöùc tuyeån duïng, ñaøo taïo, boå nhieäm, saép xeáp vaø boá trí nhaân söï vaøo nhöõng vò trí thích hôïp ñaûm baûo hoaït ñoäng hieäu quaû nhaát. Toång soá löôïng CBCNV cuûa naêm 2007 taêng gaáp ñoâi naêm 2006. ° Phaùt trieån saûn phaåm, dòch vuï luoân ñöôïc Gia Ñònh Ngaân haøng quan taâm. Trong naêm 2007, Gia Ñònh Ngaân haøng ñaõ nghieân cöùu naâng caáp, caûi tieán caùc saûn phaåm, dòch vuï hieän coù vaø phaùt trieån theâm saûn phaåm, dòch vuï môùi nhaèm ña daïng hoùa saûn phaåm, dòch vuï phuïc vuï toát nhaát cho nhu caàu cuûa khaùch haøng nhö: heä thoáng MobileBanking, PhoneBanking, bao thanh toaùn, tín duïng döï aùn, tieát kieäm linh hoaït coù thöôûng...ngoaøi ra Gia Ñònh Ngaân haøng coøn ñang xuùc tieán vieäc gia nhaäp lieân minh theû cuûa coå ñoâng chieán löôïc -Vietcombank vaø döï kieán phaùt haønh theû GiaDinhBank trong naêm 2008.. ° Trong naêm 2007 Gia Ñònh Ngaân haøng ñaõ ñöôïc Ngaân haøng Nhaø nöôùc chaáp thuaän cho pheùp môû caùc Chi nhaùnh môùi taïi caùc thaønh phoá lôùn cuûa caùc khu vöïc Mieàn Baéc, Mieàn Nam, Mieàn Taây vaø Taây Nguyeân cuøng moät soá Phoøng Giao dòch tröïc thuoäc nhaèm tieán ñeán môû roäng maïng löôùi hoaït ñoäng treân phaïm vi toaøn quoác. 3.2 Caùc bieän phaùp kieåm soaùt ° Quaûn lyù ruûi ro trong hoaït ñoäng ngaân haøng laø vaán ñeà luoân ñöôïc Laõnh ñaïo Gia Ñònh Ngaân haøng heát söùc quan taâm. Gia Ñònh Ngaân haøng ñaõ thaønh laäp Toå Quaûn lyù ruûi ro tröïc thuoäc Toång Giaùm ñoác vôùi nhieäm vuï theo doõi thöôøng xuyeân vaø ñaùnh giaù caùc tyû leä an toaøn trong hoaït ñoäng ngaân haøng ñeå coù nhöõng ñeà xuaát kòp thôøi nhaèm ngaên ngöøa vaø phoøng traùnh ruûi ro cho ngaân haøng. ° Trong coâng taùc tín duïng, maëc duø ñaõ phaân caáp haïn möùc tín duïng pheâ duyeät cho töøng Laõnh ñaïo Phoøng Kinh doanh, caùc Chi nhaùnh, Phoøng Giao dòch nhöng tuøy theo quy moâ vaø möùc ñoä ruûi ro ñoái vôùi töøng khoaûn vay seõ ñöôïc xeùt duyeät thoâng qua Hoäi ñoàng tín duïng. ° Gia Ñònh Ngaân haøng luoân taäp trung naâng cao vaø hoaøn thieän heä thoáng kieåm tra, kieåm soaùt noäi boä. Ngoaøi Ban Kieåm soaùt ñaõ phaùt huy tích cöïc chöùc naêng, nhieäm vuï cuûa mình coøn coù Phoøng Kieåm tra kieåm soaùt noäi boä chòu traùch nhieäm chính trong vieäc giaùm saùt vaø kieåm tra tröïc tieáp hoaït ñoäng cuûa caùc ñôn vò trong heä thoáng Gia Ñònh Ngaân haøng. ° Ban Phaùp cheá luoân caäp nhaät, raø soaùt, chænh söûa vaø boå sung caùc quy cheá hoaït ñoäng vaø quy trình nghieäp vuï cuûa Gia Ñònh Ngaân haøng phuø hôïp vôùi tình hình thöïc teá vaø ñaûm baûo an toaøn trong hoaït ñoäng Ngaân haøng, thoáng nhaát vôùi heä thoáng phaùp quy cuûa phaùp luaät hieän haønh.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN III

BAÙO CAÙO CUÛA BAN TOÅNG GIAÙM ÑOÁC 1. BAÙO CAÙO TÌNH HÌNH TAØI CHÍNH 1.1 Khaû naêng sinh lôøi CHÆ TIEÂU

Naêm 2005

Naêm 2006

Naêm 2007

Lôïi nhuaän sau thueá treân voán ñieàu leä bình quaân

18,03%

9,83%

24,14%

Lôïi nhuaän sau thueá treân voán CSH bình quaân (ROE)

15,21%

9,15%

23,05%

1,66%

1,52%

3,16%

Lôïi nhuaän sau thueá treân toång taøi saûn (ROA)

Naêm 2005

Naêm 2006

Naêm 2007

4,25

3,04

2,32

2. BAÙO CAÙO KEÁT QUAÛ HOAÏT ÑOÄNG

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

4. KEÁ HOAÏCH PHAÙT TRIEÅN TRONG TÖÔNG LAI ° Naêm 2007, Gia Ñònh Ngaân haøng ñaõ hoaøn thaønh toát nhieäm vuï do Ñaïi hoäi ñoàng coå ñoâng ñeà ra, taïo tieàn ñeà ñeå Gia Ñònh Ngaân haøng tieáp tuïc phaùt trieån vôùi phöông chaâm an toaøn, hieäu quaû vaø beàn vöõng: taêng tröôûng cao, chæ soá taøi chính duy trì ôû möùc an toaøn cao cuõng nhö quy moâ vaø maïng löôùi khoâng ngöøng ñöôïc môû roäng. Naêm 2008 voán ñieàu leä cuûa Gia Ñònh Ngaân haøng seõ ñöôïc naâng leân 1.000 tyû ñoàng, ñaûm baûo möùc voán phaùp ñònh theo quy ñònh cuûa Nhaø nöôùc. ° Veà coâng taùc phaùt trieån saûn phaåm, dòch vuï: treân cô sôû hoaøn thieän vaø naâng cao chaát löôïng saûn phaåm, dòch vuï hieän coù, Gia Ñònh Ngaân haøng seõ taäp trung phaùt trieån nhieàu saûn phaåm öùng duïng coâng ngheä hieän ñaïi nhaèm taêng thu nhaäp töø dòch vuï. Song song ñoù tieáp tuïc thöïc hieän chieán löôïc Marketing, ñaåy maïnh quaûng baù hình aûnh, thöông hieäu cuûa Gia Ñònh Ngaân haøng ngaøy caøng gaàn guõi vôùi khaùch haøng trong vaø ngoaøi nöôùc.

Lôïi nhuaän tröôùc thueá

101.032 trieäu ñoàng

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Ngaâ Ngaân n haø haøn ng g Thöông Thöông maï maïii Coå Coå phaà phaàn n Gia Gia Ñònh Ñònh

15 15

Lôïi nhuaän tröôùc thueá

101.032 trieäu ñoàng

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Ngaâ Ngaân n haø haøn ng g Thöông Thöông maï maïii Coå Coå phaà phaàn n Gia Gia Ñònh Ñònh

15 15

PHAÀN IV

BAÙO CAÙO TAØI CHÍNH 2007

BAÙO CAÙO KEÁT QUAÛ KINH DOANH 2007

BAÛNG CAÂN ÑOÁI KEÁ TOAÙN

Ñôn vò : trieäu ñoàng

CHÆ TIEÂU

TAØI SAÛN

Tieàn maët, vaøng baïc, ñaù quyù

II.

Tieàn göûi taïi NHNN

III.

Tieàn, vaøng göûi taïi caùc TCTD khaùc vaø cho vay caùc TCTD khaùc

IV.

Chöùng khoaùn kinh doanh

84.564

Chöùng khoaùn kinh doanh

Döï phoøng giaûm giaù chöùng khoaùn kinh doanh

VI.

Cho vay khaùch haøng

1.049.078

520.728

Cho vay khaùch haøng

1.051.172

521.006

Döï phoøng ruûi ro cho vay khaùch haøng

(2.094)

(278)

VII.

Chöùng khoaùn ñaàu tö

19.350

Chöùng khoaùn ñaàu tö saün saøng ñeå baùn

19.250

Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn

100

IX.

Taøi saûn coá ñònh

40.566

6.184

Taøi saûn coá ñònh höõu hình

23.609

1.203

- Nguyeân giaù

25.887

2.513

- Giaù trò hao moøn luõy keá

(2.278)

Taøi saûn coá ñònh voâ hình - Nguyeân giaù

- Giaù trò hao moøn luõy keá

Naêm 2007

Naêm 2006

6.980

7.257

49.651

19.021

727.865

131.184

Naêm 2007

Naêm 2006

110.481

62.182

Chi phí laõi vaø caùc chi phí töông töï

55.735

35.142

Thu nhaäp laõi thuaàn

54.746

27.040

Thu nhaäp töø hoaït ñoäng dòch vuï

2.105

855

92.158

Chi phí hoaït ñoäng dòch vuï

384

120

(7.594)

II.

Laõi / loã thuaàn töø hoaït ñoäng dòch vuï

1.721

735

III.

Laõõi / loã thuaàn töø hoaït ñoäng kinh doanh ngoaïi hoái

(92)

205

4.362

949 53.048

Chi phí hoaït ñoäng khaùc

28.651

11.800

VI.

Laõi thuaàn töø hoaït ñoäng khaùc

62.110

41.247

VII.

Chi phí hoaït ñoäng

19.892

46.957

IX.

Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh tröôùc chi phí döï phoøng ruûi ro tín duïng

102.955

23.220

(1.310)

Chi phí döï phoøng ruûi ro tín duïng

1.923

3.897

16.957

4.981

XI.

Toång lôïi nhuaän tröôùc thueá

101.032

19.323

17.010

5.009

Chi phí thueá TNDN hieän haønh

36.654

7.403

(53)

(28)

Chi phí thueá TNDN hoaõn laïi

Caùc khoaûn phaûi thu

45.563

73.702

Caùc khoaûn laõi, phí phaûi thu

10.291

5.747

Taøi saûn Coù khaùc

2.507

700

2.036.415

783.873

NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU

Caùc khoaûn nôï Chính phuû vaø NHNN

II.

Tieàn göûi vaø vay caùc TCTD khaùc

840.000

168.000

III.

Tieàn göûi cuûa khaùch haøng

417.162

332.188

VII.

Caùc khoaûn nôï khaùc

23.801

20.626

Caùc khoaûn laõi, phí phaûi traû

10.345

8.354

Caùc khoaûn phaûi traû vaø coâng nôï khaùc

33.302

13.456

12.272

1.280.963

554.115

III.

Voán vaø caùc quyõ

755.452

229.758

Voán cuûa TCTD

688.634

210.001

Voán ñieàu leä

444.623

210.000

Voán ñaàu tö XDCB

Thaëng dö voán coå phaàn

Quyõ cuûa TCTD

Lôïi nhuaän chöa phaân phoái

Cam keát trong nghieäp vuï L/C

Baûo laõnh khaùc

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

XII.

Chi phí thueá TNDN

36.654

7.403

XIII.

Lôïi nhuaän sau thueá

64.378

11.920

XV.

Laõi cô baûn treân coå phieáu – ñoàøng (meänh giaù 10.000ñoàøng/coå phieáu)

2.457

TP. Hoà Chí Minh, ngaøy 02 thaùng 02 naêm 2008 Ngöôøi laäp baûng Keá toaùn tröôûng Phoù Toång Giaùm Ñoác (Ngöôøi coâng boá thoâng tin)

Traàn Thò Thu Trang

Nguyeãn Thò Phöông Thu

Phaïm Vaên Ñaït

244.010 2.439 64.378

19.756

2.036.415

783.873

CAÙC CHÆ TIEÂU NGOAØI BAÛNG CAÂN ÑOÁI KEÁ TOAÙN CHÆ TIEÂU

90.761

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï

Laõi / loã thuaàn töø mua baùn chöùng khoaùn kinh doanh

80.149

TOÅNG NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU

Thu nhaäp töø hoaït ñoäng khaùc

58.361

Toång nôï phaûi traû

CHÆ TIEÂU

IV.

Taøi saûn Coù khaùc

TOÅNG TAØI SAÛN COÙ

XI.

Ñôn vò : trieäu ñoàng

Naêm 2007

Naêm 2006

1.401 354

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN IV

BAÙO CAÙO TAØI CHÍNH 2007

BAÙO CAÙO KEÁT QUAÛ KINH DOANH 2007

BAÛNG CAÂN ÑOÁI KEÁ TOAÙN

Ñôn vò : trieäu ñoàng

CHÆ TIEÂU

TAØI SAÛN

Tieàn maët, vaøng baïc, ñaù quyù

II.

Tieàn göûi taïi NHNN

III.

Tieàn, vaøng göûi taïi caùc TCTD khaùc vaø cho vay caùc TCTD khaùc

IV.

Chöùng khoaùn kinh doanh

84.564

Chöùng khoaùn kinh doanh

Döï phoøng giaûm giaù chöùng khoaùn kinh doanh

VI.

Cho vay khaùch haøng

1.049.078

520.728

Cho vay khaùch haøng

1.051.172

521.006

Döï phoøng ruûi ro cho vay khaùch haøng

(2.094)

(278)

VII.

Chöùng khoaùn ñaàu tö

19.350

Chöùng khoaùn ñaàu tö saün saøng ñeå baùn

19.250

Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn

100

IX.

Taøi saûn coá ñònh

40.566

6.184

Taøi saûn coá ñònh höõu hình

23.609

1.203

- Nguyeân giaù

25.887

2.513

- Giaù trò hao moøn luõy keá

(2.278)

Taøi saûn coá ñònh voâ hình - Nguyeân giaù

- Giaù trò hao moøn luõy keá

Naêm 2007

Naêm 2006

6.980

7.257

49.651

19.021

727.865

131.184

Naêm 2007

Naêm 2006

110.481

62.182

Chi phí laõi vaø caùc chi phí töông töï

55.735

35.142

Thu nhaäp laõi thuaàn

54.746

27.040

Thu nhaäp töø hoaït ñoäng dòch vuï

2.105

855

92.158

Chi phí hoaït ñoäng dòch vuï

384

120

(7.594)

II.

Laõi / loã thuaàn töø hoaït ñoäng dòch vuï

1.721

735

III.

Laõõi / loã thuaàn töø hoaït ñoäng kinh doanh ngoaïi hoái

(92)

205

4.362

949 53.048

Chi phí hoaït ñoäng khaùc

28.651

11.800

VI.

Laõi thuaàn töø hoaït ñoäng khaùc

62.110

41.247

VII.

Chi phí hoaït ñoäng

19.892

46.957

IX.

Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh tröôùc chi phí döï phoøng ruûi ro tín duïng

102.955

23.220

(1.310)

Chi phí döï phoøng ruûi ro tín duïng

1.923

3.897

16.957

4.981

XI.

Toång lôïi nhuaän tröôùc thueá

101.032

19.323

17.010

5.009

Chi phí thueá TNDN hieän haønh

36.654

7.403

(53)

(28)

Chi phí thueá TNDN hoaõn laïi

Caùc khoaûn phaûi thu

45.563

73.702

Caùc khoaûn laõi, phí phaûi thu

10.291

5.747

Taøi saûn Coù khaùc

2.507

700

2.036.415

783.873

NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU

Caùc khoaûn nôï Chính phuû vaø NHNN

II.

Tieàn göûi vaø vay caùc TCTD khaùc

840.000

168.000

III.

Tieàn göûi cuûa khaùch haøng

417.162

332.188

VII.

Caùc khoaûn nôï khaùc

23.801

20.626

Caùc khoaûn laõi, phí phaûi traû

10.345

8.354

Caùc khoaûn phaûi traû vaø coâng nôï khaùc

33.302

13.456

12.272

1.280.963

554.115

III.

Voán vaø caùc quyõ

755.452

229.758

Voán cuûa TCTD

688.634

210.001

Voán ñieàu leä

444.623

210.000

Voán ñaàu tö XDCB

Thaëng dö voán coå phaàn

Quyõ cuûa TCTD

Lôïi nhuaän chöa phaân phoái

Cam keát trong nghieäp vuï L/C

Baûo laõnh khaùc

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

XII.

Chi phí thueá TNDN

36.654

7.403

XIII.

Lôïi nhuaän sau thueá

64.378

11.920

XV.

Laõi cô baûn treân coå phieáu – ñoàøng (meänh giaù 10.000ñoàøng/coå phieáu)

2.457

TP. Hoà Chí Minh, ngaøy 02 thaùng 02 naêm 2008 Ngöôøi laäp baûng Keá toaùn tröôûng Phoù Toång Giaùm Ñoác (Ngöôøi coâng boá thoâng tin)

Traàn Thò Thu Trang

Nguyeãn Thò Phöông Thu

Phaïm Vaên Ñaït

244.010 2.439 64.378

19.756

2.036.415

783.873

CAÙC CHÆ TIEÂU NGOAØI BAÛNG CAÂN ÑOÁI KEÁ TOAÙN CHÆ TIEÂU

90.761

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï

Laõi / loã thuaàn töø mua baùn chöùng khoaùn kinh doanh

80.149

TOÅNG NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU

Thu nhaäp töø hoaït ñoäng khaùc

58.361

Toång nôï phaûi traû

CHÆ TIEÂU

IV.

Taøi saûn Coù khaùc

TOÅNG TAØI SAÛN COÙ

XI.

Ñôn vò : trieäu ñoàng

Naêm 2007

Naêm 2006

1.401 354

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN V

BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 1. KIEÅM TOAÙN ÑOÄC LAÄP

Soá: 87/BCKT-AAC

Ñaø Naüng, ngaøy 27 thaùng 02 naêm 2008

BAÙO CAÙO KIEÅM TOAÙN Kính gôûi: Hoäi ñoàng quaûn trò vaø Ban Toång Giaùm ñoác Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh Chuùng toâi, Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC ñaõ kieåm toaùn caùc Baùo caùo taøi chính cho naêm taøi chính keát thuùc ngaøy 31/12/2007 cuûa Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh (sau ñaây goïi taét laø “Ngaân haøng”) ñính keøm töø trang 04 ñeán trang 27. Caùc Baùo caùo taøi chính naøy ñöôïc laäp theo Cheá ñoä keá toaùn Vieät nam 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 vaên baûn khaùc coù lieân quan trong lónh vöïc Tín duïng - Ngaân haøng nhö ñaõ ñöôïc trình baøy taïi Muïc soá 04 cuûa Thuyeát minh Baùo caùo taøi chính. Traùch nhieäm cuûa Ban Toång Giaùm ñoác vaø cuûa Kieåm toaùn vieân Vieäc laäp caùc Baùo caùo taøi chính naøy laø traùch nhieäm cuûa Ban Toång Giaùm ñoác Ngaân haøng. Traùch nhieäm cuûa Kieåm toaùn vieân laø döïa treân caùc baèng chöùng kieåm toaùn ñeå ñöa ra yù kieán ñoäc laäp cuûa mình veà tính trung thöïc vaø hôïp lyù cuûa caùc Baùo caùo taøi chính ñaõ ñöôïc kieåm toaùn.

2. KIEÅM TOAÙN NOÄI BOÄ Treân cô sôû soá lieäu naêm 2007 cuûa Phoøng Keá toaùn ñaõ ñöôïc kieåm toaùn bôûi Coâng ty TNHH Kieåm toaùn vaø Keá toaùn AAC. Ban Kieåm soaùt coù nhaän ñònh nhö sau: - Keát quaû hoaït ñoäng kinh doanh: + Toång thu nhaäp: 215,783 tyû ñoàng, taêng 84% so vôùi naêm 2006. + Toång chi phí: 114,751 tyû ñoàng, taêng 81% so vôùi naêm 2006. + Lôïi nhuaän sau thueá ñaït 64,378 tyû ñoàng, taêng 440% so vôùi naêm 2006. - Tình hình nguoàn voán: + Toång taøi saûn ñaït 2.036,415 tyû ñoàng, taêng 160% so vôùi naêm 2006. + Nguoàn voán hoaït ñoäng: Toång nguoàn voán huy ñoäng töø tieàn göûi cuûa daân cö vaø caùc toå chöùc ñaït 1.257,161 tyû ñoàng, taêng 136% so vôùi naêm 2006. Voán ñieàu leä trong naêm taêng töø 210 tyû ñoàng leân 444,623 tyû ñoàng. - Veà söû duïng voán: Toång dö nôï cho vay laø 1.051,172 tyû ñoàng trong ñoù dö nôï cho vay ngaén haïn chieám 72,3%; dö nôï cho vay trung vaø daøi haïn chieám 27,7%; dö nôï xaáu laø 4,6 tyû ñoàng, chieám tyû leä 0,44%, taêng so vôùi cuøng kyø naêm tröôùc 0,06%; dö nôï nhoùm 5 khoâng coù. Dö nôï tín duïng bình quaân laø 716,870 tyû ñoàng, ñaït 110,3% so vôùi chæ tieâu keá hoaïch vaø taêng 71% so vôùi naêm 2006. NHAÄN XEÙT Qua moät naêm hoaït ñoäng vôùi nhöõng khoù khaên, thaùch thöùc cuøng vôùi söï phaán ñaáu lieân tuïc khoâng ngöøng cuûa taäp theå CBCNV döôùi söï chæ ñaïo cuûa Hoäi Ñoàng Quaûn Trò vaø Ban Ñieàu haønh, Gia Ñònh Ngaân haøng ñaõ ñaït nhöõng thaønh töïu ñaùng khích leä. Ngoaøi nhöõng chæ tieâu vöôït keá hoaïch naêm 2007, Gia Ñònh Ngaân haøng cuõng ñaõ thöïc hieän ñöôïc vieäc taêng voán ñieàu leä tuy chöa ñaït ñöôïc theo keá hoaïch leân 500 tyû ñoàng (444,623 tyû ñoàng/ 500 tyû ñoàng) nhöng cuõng coù theå khaúng ñònh ñöôïc tieán trình naâng cao naêng löïc taøi chính nhaèm môû roäng maïng löôùi hoaït ñoäng, phaùt trieån heä thoáng coâng ngheä thoâng tin, heä thoáng dòch vuï khaùch haøng ñeå taïo lôïi theá caïnh tranh vaø ñieàu kieän toát cho tieán trình phaùt trieån vaø hoäi nhaäp cuûa Gia Ñònh Ngaân haøng vaø taïo ñoäng löïc thuùc ñaåy cho loä trình phaùt trieån cuûa Gia Ñònh Ngaân haøng naêm 2008 – 2010.

Cô sôû ñöa ra yù kieán Chuùng toâi ñaõ tieán haønh coâng vieäc kieåm toaùn theo caùc Chuaån möïc Kieåm toaùn Vieät Nam. Theo ñoù, chuùng toâi ñaõ thöïc hieän vieäc kieåm tra theo phöông phaùp choïn maãu vaø aùp duïng caùc thöû nghieäm caàn thieát, caùc baèng chöùng xaùc minh nhöõng thoâng tin trong Baùo caùo taøi chính; ñaùnh giaù vieäc tuaân thuû caùc nguyeân taéc vaø phöông phaùp keá toaùn ñöôïc aùp duïng, caùc öôùc tính vaø xeùt ñoaùn quan troïng cuûa Ban Toång Giaùm ñoác Ngaân haøng cuõng nhö caùch trình baøy toång quaùt caùc Baùo caùo taøi chính. Chuùng toâi tin raèng, coâng vieäc kieåm toaùn cuûa chuùng toâi ñaõ ñöa ra nhöõng cô sôû hôïp lyù ñeå laøm caên cöù cho yù kieán cuûa mình. YÙ kieán cuûa Kieåm toaùn vieân Theo yù kieán chuùng toâi, xeùt treân moïi khía caïnh troïng yeáu thì caùc Baùo caùo taøi chính ñaõ phaûn aûnh trung thöïc vaø hôïp lyù veà tình hình taøi chính cuûa Ngaân haøng taïi thôøi ñieåm 31/12/2007 vaø keát quaû hoaït ñoäng kinh doanh cuõng nhö tình hình löu chuyeån tieàn teä trong naêm taøi chính keát thuùc ngaøy 31/12/2007.

Giaùm ñoác

Kieåm toaùn vieân

Phan Xuaân Vaïn (Chöùng chæ Kieåm toaùn vieân soá Ñ.0102/KTV)

Nguyeãn Thò AÙnh Nga (Chöùng chæ Kieåm toaùn vieân soá 0809/KTV)

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN V

BAÛNG GIAÛI TRÌNH BAÙO CAÙO TAØI CHÍNH VAØ BAÙO CAÙO KIEÅM TOAÙN 1. KIEÅM TOAÙN ÑOÄC LAÄP

Soá: 87/BCKT-AAC

Ñaø Naüng, ngaøy 27 thaùng 02 naêm 2008

Giaùm ñoác

Kieåm toaùn vieân

Phan Xuaân Vaïn (Chöùng chæ Kieåm toaùn vieân soá Ñ.0102/KTV)

Nguyeãn Thò AÙnh Nga (Chöùng chæ Kieåm toaùn vieân soá 0809/KTV)

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN VI

TOÅ CHÖÙC VAØ NHAÂN SÖÏ 1. CÔ CAÁU TOÅ CHÖÙC SÔ ÑOÀ TOÅ CHÖÙC GIA ÑÒNH NGAÂN HAØNG ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNG

VAÊN PHOØNG HÑQT

TOÅ KINH DOANH

PHOØNG HAØNH CHAÙNH TOÅ CHÖÙC

PHOØNG KIEÅM TRA KIEÅM SOAÙT NOÄI BOÄ

PHOØNG QUAÛN LYÙ TOÅNG HÔÏP

HOÄI ÑOÀNG QUAÛN TRÒ

BAN KIEÅM SOAÙT

BAN ÑIEÀU HAØNH

UB KIEÅM TOAÙN NOÄI BOÄ

PHOØNG KEÁ TOAÙN

PHOØNG NGAÂN QUYÕ

PHOØNG KINH DOANH

PHOØNG COÂNG NGHEÄ THOÂNG TIN

PHOØNG THAÅM ÑÒNH TS & MAKETING

BAN PHAÙP CHEÁ

PGD ÑA KAO PGD TAÂN PHUÙ

PGD HOAØN KIEÁM PGD THANH XUAÂN

CHI NHAÙNH HAØ NOÄI

CHI NHAÙNH BAÏCH ÑAÈNG

PGD CAÀU GIAÁY

PGD PHUÙ THUAÄN PGD PHUÙ MYÕ HÖNG PGD VUÕNG TAØU

PGD ÑOÁNG ÑA

PGD GOØ VAÁP

PGD HAI BAØ TRÖNG

PGD BÌNH HOØA PGD THUÛ ÑÖÙC CHI NHAÙNH CHI NHAÙNH ÑAØ NAÜNG BAÏCH ÑAÈNG

CHI NHAÙNH HAØNG XANH

PGD BÌNH DÖÔNG ÑIEÅM GIAO DÒCH SOÁ 1 PGD ÑOÀNG NAI

CHI NHAÙNH CAÀN THÔ

CHI NHAÙNH SAØI GOØN

PGD QUAÄN 5 PGD LONG AN PGD TAÂY NINH

CHI NHAÙNH BUOÂN MA THUOÄT

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN VI

TOÅ CHÖÙC VAØ NHAÂN SÖÏ 1. CÔ CAÁU TOÅ CHÖÙC SÔ ÑOÀ TOÅ CHÖÙC GIA ÑÒNH NGAÂN HAØNG ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNG

VAÊN PHOØNG HÑQT

TOÅ KINH DOANH

PHOØNG HAØNH CHAÙNH TOÅ CHÖÙC

PHOØNG KIEÅM TRA KIEÅM SOAÙT NOÄI BOÄ

PHOØNG QUAÛN LYÙ TOÅNG HÔÏP

HOÄI ÑOÀNG QUAÛN TRÒ

BAN KIEÅM SOAÙT

BAN ÑIEÀU HAØNH

UB KIEÅM TOAÙN NOÄI BOÄ

PHOØNG KEÁ TOAÙN

PHOØNG NGAÂN QUYÕ

PHOØNG KINH DOANH

PHOØNG COÂNG NGHEÄ THOÂNG TIN

PHOØNG THAÅM ÑÒNH TS & MAKETING

BAN PHAÙP CHEÁ

PGD ÑA KAO PGD TAÂN PHUÙ

PGD HOAØN KIEÁM PGD THANH XUAÂN

CHI NHAÙNH HAØ NOÄI

CHI NHAÙNH BAÏCH ÑAÈNG

PGD CAÀU GIAÁY

PGD PHUÙ THUAÄN PGD PHUÙ MYÕ HÖNG PGD VUÕNG TAØU

PGD ÑOÁNG ÑA

PGD GOØ VAÁP

PGD HAI BAØ TRÖNG

PGD BÌNH HOØA PGD THUÛ ÑÖÙC CHI NHAÙNH CHI NHAÙNH ÑAØ NAÜNG BAÏCH ÑAÈNG

CHI NHAÙNH HAØNG XANH

PGD BÌNH DÖÔNG ÑIEÅM GIAO DÒCH SOÁ 1 PGD ÑOÀNG NAI

CHI NHAÙNH CAÀN THÔ

CHI NHAÙNH SAØI GOØN

PGD QUAÄN 5 PGD LONG AN PGD TAÂY NINH

CHI NHAÙNH BUOÂN MA THUOÄT

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

HOÄI ÑOÀNG QUAÛN TRÒ

BAN KIEÅM SOAÙT

OÂng NGUYEÃN VAÊN SEÕ Chuû tòch HÑQT

OÂng TRAÀN KIEÂN BINH Tröôûng ban

OÂng PHAN SUM Thaønh vieân

Baø NGUYEÃN THÒ MÖÔØI Phoù Chuû tòch HÑQT

OÂng NGUYEÃN THEÁ HIEÅN Thaønh vieân

Baø VUÕ THÒ HOÀNG Thaønh vieân

Baø TRAÀN THÒ KIM ANH Phoù Toång Giaùm Ñoác

OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm Ñoác

BAN ÑIEÀU HAØNH

Baø TRAÀN THÒ VIEÄT THU Thaønh vieân

OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân

OÂng NGOÂ QUANG TRUNG Thaønh vieân

OÂng NGUYEÃN VAÊN CÖÏU Thaønh vieân

Baø TRAÀN THÒ VIEÄT THU Toång Giaùm Ñoác

OÂng PHAÏM VAÊN TAÂN Thaønh vieân

OÂng ÑINH NGOÏC CHAÂU Phoù Toång Giaùm Ñoác

Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

HOÄI ÑOÀNG QUAÛN TRÒ

BAN KIEÅM SOAÙT

OÂng NGUYEÃN VAÊN SEÕ Chuû tòch HÑQT

OÂng TRAÀN KIEÂN BINH Tröôûng ban

OÂng PHAN SUM Thaønh vieân

Baø NGUYEÃN THÒ MÖÔØI Phoù Chuû tòch HÑQT

OÂng NGUYEÃN THEÁ HIEÅN Thaønh vieân

Baø VUÕ THÒ HOÀNG Thaønh vieân

Baø TRAÀN THÒ KIM ANH Phoù Toång Giaùm Ñoác

OÂng PHAÏM VAÊN ÑAÏT Phoù Toång Giaùm Ñoác

BAN ÑIEÀU HAØNH

Baø TRAÀN THÒ VIEÄT THU Thaønh vieân

OÂng NGUYEÃN VAÊN TUAÂN Thaønh vieân

OÂng NGOÂ QUANG TRUNG Thaønh vieân

OÂng NGUYEÃN VAÊN CÖÏU Thaønh vieân

Baø TRAÀN THÒ VIEÄT THU Toång Giaùm Ñoác

OÂng PHAÏM VAÊN TAÂN Thaønh vieân

OÂng ÑINH NGOÏC CHAÂU Phoù Toång Giaùm Ñoác

Baø NGUYEÃN THÒ PHÖÔNG THU Keá toaùn tröôûng

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

2. TOÙM TAÉT LYÙ LÒCH CAÙ NHAÂN TRONG BAN ÑIEÀU HAØNH 1

6/ THAY ÑOÅI THAØNH VIEÂN HOÄI ÑOÀNG QUAÛN TRÒ, BAN KIEÅM SOAÙT, BAN TOÅNG GIAÙM ÑOÁC VAØ KEÁ TOAÙN TRÖÔÛNG

Baø TRAÀN THÒ VIEÄT THU

Toång Giaùm ñoác

Naêm sinh

1953

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Tieán só Kinh teá, Cöû nhaân Luaät

OÂng ÑINH NGOÏC CHAÂU

Phoù Toång Giaùm ñoác

Naêm sinh

1960

Trình ñoä vaên hoùa

Trung caáp

Trình ñoä chuyeân moân

Trung caáp Ngaân haøng

Baø TRAÀN THÒ KIM ANH

Phoù Toång Giaùm ñoác

Naêm sinh

1951

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Ñaïi hoïc Ngaân haøng

Traàn Kieân Binh

OÂng PHAÏM VAÊN ÑAÏT

Phoù Toång Giaùm ñoác

Phan Sum

Thaønh vieân

Boå nhieäm ngaøy 06/3/2007

Naêm sinh

1969

Trình ñoä vaên hoùa

Ñaïi hoïc

Nguyeãn Theá Hieån

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

Trình ñoä chuyeân moân

Ñaïi hoïc Baùch khoa Ñaø Naüng, khoái kinh teá, ngaønh ngaân haøng.

Baø NGUYEÃN THÒ PHÖÔNG THU

Keá toaùn tröôûng

Naêm sinh

1968

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Ñaïi hoïc Kinh teá

Stt

Hoï vaø Teân

Chöùc danh

Thay ñoåi

* Thaønh vieân Hoäi Ñoàng Quaûn Trò 1

Leâ Khaùnh Hieàn

Thaønh vieân

Töø nhieäm ngaøy 15/01/2007

Traàn Thò Kim Anh

Thaønh vieân

Töø nhieäm ngaøy 17/4/2007

Traàn Thò Vieät Thu

Thaønh vieân

Boå nhieäm ngaøy 06/3/2007

Nguyeãn Vaên Tuaân

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

Ngoâ Quang Trung

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

* Ban Kieåm soaùt Tröôûng Ban Kieåm soaùt

Boå nhieäm 18/01/2007

* Ban Toång Giaùm ñoác 1

Traàn Thò Kim Anh

Phoù Toång Giaùm ñoác

Boå nhieäm ngaøy 07/5/2007

* Keá toaùn tröôûng (khoâng thay ñoåi)

3/ THAY ÑOÅI TOÅNG GIAÙM ÑOÁC ÑIEÀU HAØNH TRONG NAÊM Khoâng thay ñoåi. 4/ QUYEÀN LÔÏI CUÛA BAN TOÅNG GIAÙM ÑOÁC Tieàn löông, thöôûng vaø caùc quyeàn lôïi khaùc cuûa Ban Toång Giaùm ñoác theo quy cheá tieàn löông vaø quy cheá thi ñua khen thöôûng cuûa Gia Ñònh Ngaân haøng. 5/ SOÁ LÖÔÏNG CBCNV VAØ CHÍNH SAÙCH ÑOÁI VÔÙI NGÖÔØI LAO ÑOÄNG Toång soá löôïng nhaân vieân ñeán cuoái naêm 2007 laø 216 ngöôøi, taêng 102 ngöôøi so vôùi naêm 2006. Song song vôùi vieäc töøng böôùc ñieàu chænh tieàn löông hôïp lyù, chuù troïng chính saùch phuùc lôïi vaø thöïc hieän cheá ñoä khen thöôûng kòp thôøi nhaèm oån ñònh ñôøi soáng CBCNV; Gia Ñònh Ngaân haøng luoân coù chính saùch tuyeån duïng, ñaøo taïo, boå nhieäm kòp thôøi, thích hôïp nhaèm thu huùt nguoàn nhaân löïc. Maët khaùc, Gia Ñònh Ngaân haøng luoân chuù troïng taïo moâi tröôøng laøm vieäc thuaän lôïi ñeå nhaân vieân an taâm coâng taùc laâu daøi, phuïc vuï cho söï nghieäp phaùt trieån Gia Ñònh Ngaân haøng.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

2. TOÙM TAÉT LYÙ LÒCH CAÙ NHAÂN TRONG BAN ÑIEÀU HAØNH 1

6/ THAY ÑOÅI THAØNH VIEÂN HOÄI ÑOÀNG QUAÛN TRÒ, BAN KIEÅM SOAÙT, BAN TOÅNG GIAÙM ÑOÁC VAØ KEÁ TOAÙN TRÖÔÛNG

Baø TRAÀN THÒ VIEÄT THU

Toång Giaùm ñoác

Naêm sinh

1953

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Tieán só Kinh teá, Cöû nhaân Luaät

OÂng ÑINH NGOÏC CHAÂU

Phoù Toång Giaùm ñoác

Naêm sinh

1960

Trình ñoä vaên hoùa

Trung caáp

Trình ñoä chuyeân moân

Trung caáp Ngaân haøng

Baø TRAÀN THÒ KIM ANH

Phoù Toång Giaùm ñoác

Naêm sinh

1951

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Ñaïi hoïc Ngaân haøng

Traàn Kieân Binh

OÂng PHAÏM VAÊN ÑAÏT

Phoù Toång Giaùm ñoác

Phan Sum

Thaønh vieân

Boå nhieäm ngaøy 06/3/2007

Naêm sinh

1969

Trình ñoä vaên hoùa

Ñaïi hoïc

Nguyeãn Theá Hieån

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

Trình ñoä chuyeân moân

Ñaïi hoïc Baùch khoa Ñaø Naüng, khoái kinh teá, ngaønh ngaân haøng.

Baø NGUYEÃN THÒ PHÖÔNG THU

Keá toaùn tröôûng

Naêm sinh

1968

Trình ñoä vaên hoùa

Ñaïi hoïc

Trình ñoä chuyeân moân

Ñaïi hoïc Kinh teá

Stt

Hoï vaø Teân

Chöùc danh

Thay ñoåi

* Thaønh vieân Hoäi Ñoàng Quaûn Trò 1

Leâ Khaùnh Hieàn

Thaønh vieân

Töø nhieäm ngaøy 15/01/2007

Traàn Thò Kim Anh

Thaønh vieân

Töø nhieäm ngaøy 17/4/2007

Traàn Thò Vieät Thu

Thaønh vieân

Boå nhieäm ngaøy 06/3/2007

Nguyeãn Vaên Tuaân

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

Ngoâ Quang Trung

Thaønh vieân

Ñöôïc Ñaïi hoäi coå ñoâng ngaøy 29/12/2007 baàu boå sung

* Ban Kieåm soaùt Tröôûng Ban Kieåm soaùt

Boå nhieäm 18/01/2007

* Ban Toång Giaùm ñoác 1

Traàn Thò Kim Anh

Phoù Toång Giaùm ñoác

Boå nhieäm ngaøy 07/5/2007

* Keá toaùn tröôûng (khoâng thay ñoåi)

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN VII

THOÂNG TIN COÅ ÑOÂNG VAØ QUAÛN TRÒ NGAÂN HAØNG 1. HOÄI ÑOÀNG QUAÛN TRÒ VAØ BAN KIEÅM SOAÙT 1.1 Thaønh vieân vaø cô caáu cuûa Hoäi Ñoàng Quaûn Trò Hieän nay Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng coù 07 thaønh vieân (goàm 01 Chuû tòch, 01 Phoù Chuû tòch vaø 05 thaønh vieân), trong ñoù coù 06 thaønh vieân ñoäc laäp khoâng ñieàu haønh. 1

OÂng NGUYEÃN VAÊN SEÕ Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân Baø NGUYEÃN THÒ MÖÔØI Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân Baø TRAÀN THÒ VIEÄT THU Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân OÂng PHAÏM VAÊN TAÂN Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân OÂng NGUYEÃN VAÊN CÖÏU Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân OÂng NGUYEÃN VAÊN TUAÂN Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân

OÂng NGOÂ QUANG TRUNG Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân

Chuû tòch 1950 Ñaïi hoïc Ñaïi hoïc Ngaân haøng, Ñaïi hoïc Ngoaïi ngöõ Phoù Chuû tòch 1950 Ñaïi hoïc Ñaïi hoïc Taøi chính Thaønh vieân 1953 Ñaïi hoïc Tieán só Kinh teá, Ñaïi hoïc Luaät Thaønh vieân 1960 Ñaïi hoïc Ñaïi hoïc Kinh teá Thaønh vieân 1972 Ñaïi hoïc Ñaïi hoïc Kinh teá, Ñaïi hoïc Luaät Thaønh vieân 1973 Ñaïi hoïc Ñaïi hoïc Ngoaïi ngöõ, Thaïc syõ Ñaïi hoïc Libre De Bruxelles (Bæ) Thaønh vieân 1969 Ñaïi hoïc Ñaïi hoïc Kinh teá, Thaïc syõ Ñaïi hoïc New South Wales (UÙc)

1.2 Thaønh vieân vaø cô caáu cuûa Ban Kieåm soaùt Hieän nay Ban kieåm soaùt Gia Ñònh Ngaân haøng coù 04 thaønh vieân (goàm 01 Tröôûng ban, 03 thaønh vieân), trong ñoù coù 02 thaønh vieân ñoäc laäp khoâng ñieàu haønh. 1

OÂng TRAÀN KIEÂN BINH Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân OÂng PHAN SUM Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân OÂng NGUYEÃN THEÁ HIEÅN Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân Baø VUÕ THÒ HOÀNG Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân

Tröôûng ban 1954 Ñaïi hoïc Ñaïi hoïc Kinh teá Thaønh vieân 1951 Ñaïi hoïc Ñaïi hoïc Kinh teá Thaønh vieân 1971 Ñaïi hoïc Ñaïi hoïc Kinh teá Thaønh vieân 1947 Ñaïi hoïc Ñaïi hoïc Ngaân haøng

1.3 Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt Gia Ñònh Ngaân haøng döïa treân caùc quy ñònh chung nhö sau: - Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; - Quy ñònh veà toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Toång Giaùm ñoác Ngaân haøng TMCP cuûa Nhaø nöôùc vaø nhaân daân ban haønh theo Quyeát ñònh soá 1087/2001/QÑ-NHNN ngaøy 27/8/2001 cuûa Thoáng ñoác Ngaân haøng nhaø nöôùc; - Ñieàu leä Gia Ñònh Ngaân haøng; Ngoaøi ra coøn theo nhöõng quy ñònh cuûa Gia Ñònh Ngaân haøng nhö sau: - Quyeát ñònh soá 35/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Hoäi Ñoàng Quaûn Trò. - Quyeát ñònh soá 36/GDB-HÑQT ngaøy 25/6/2002 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng veà vieäc ban haønh quy cheá toå chöùc vaø hoaït ñoäng cuûa Ban Kieåm soaùt. 1.4 Hoaït ñoäng cuûa caùc tieåu ban trong Hoäi Ñoàng Quaûn Trò Vaên phoøng Hoäi Ñoàng Quaûn Trò ñöôïc thaønh laäp, toå chöùc vaø hoaït ñoäng theo Quyeát ñònh soá 102/GDB-HÑQT ngaøy 10/10/2006 cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò. Cô caáu toå chöùc vaø hoaït ñoäng cuûa Vaên phoøng Hoäi Ñoàng Quaûn Trò nhö sau: 1. Tröôûng Vaên phoøng Hoäi Ñoàng Quaûn Trò. 2. Chuyeân vieân quaûn lyù coå ñoâng, chuyeån nhöôïng coå phaàn. 3. Chuyeân vieân phaùp lyù. 1.5 Keá hoaïch taêng cöôøng hieäu quaû trong hoaït ñoäng quaûn trò ngaân haøng. Nhìn chung, trong naêm 2007, Hoäi Ñoàng Quaûn Trò Gia Ñònh Ngaân haøng ñaõ coù nhieàu hoaït ñoäng mang laïi hieäu quaû tích cöïc. Hoäi Ñoàng Quaûn Trò hoïp ñònh kyø tröôùc ngaøy 15 haøng thaùng vaø tuøy thuoäc nhöõng dieãn bieán quan troïng seõ toå chöùc caùc phieân hoïp baát thöôøng ñeå baøn baïc vaø thaûo luaän ñeå giaûi quyeát caùc vaán ñeà phaùt sinh. Ngoaøi ra, Hoäi Ñoàng Quaûn Trò cuõng ñaõ chæ ñaïo Ban Ñieàu haønh Ngaân haøng saùt sao vaø hieäu quaû trong hoaït ñoäng ñieàu haønh, kinh doanh, phaùt haønh coå phieáu taêng voán ñieàu leä…… 1.6 Thuø lao, caùc khoaûn lôïi ích khaùc vaø chi phí daønh cho thaønh vieân Hoäi Ñoàng Quaûn Trò vaø Ban Kieåm soaùt Gia Ñònh Ngaân haøng quy ñònh möùc thuø lao cho caùc thaønh vieân HÑQT vaø ban kieåm soaùt döïa treân caùc quy ñònh sau: - Ñieàu 117 vaø Ñieàu 125 cuûa Luaät doanh nghieäp do Quoác Hoäi thoâng qua ngaøy 29/11/2005; - Ñieàu leä Gia Ñònh Ngaân haøng; - Nghò quyeát Ñaïi hoäi coå ñoâng thöôøng nieân naêm 2006.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

PHAÀN VII

OÂng NGOÂ QUANG TRUNG Naêm sinh Trình ñoä vaên hoùa Trình ñoä chuyeân moân

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

1.7 Thaønh vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Toång Giaùm ñoác ñaõ coù chöùng chæ ñaøo taïo veà quaûn trò coâng ty 1. OÂng Nguyeãn Vaên Tuaân: baèng thaïc syõ quaûn lyù do tröôøng Ñaïi hoïc Libre De Bruxelles caáp ngaøy 25/01/1999 2. OÂng Ngoâ Quang Trung: baèng thaïc syõ thöông maïi veà quaûn lyù nguoàn taøi chính do tröôøng Ñaïi hoïc New South Wales caáp ngaøy 27/10/2000. 3. OÂng Phan Sum: Giaáy chöùng nhaän khoùa hoïc veà chính saùch kinh teá veà Quaûn trò Ngaân haøng 4. Baø Traàn Thò Vieät Thu: Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Ngaân haøng do Nanyang Technological University-Singapore caáp naêm 1997 vaø Giaáy chöùng nhaän khoùa hoïc veà Quaûn trò Heä thoáng do ATTF Luxembourg caáp naêm 2005. 5. Baø Traàn Thò Kim Anh: Giaáy chöùng nhaän ñaøo taïo veà Giaùm ñoác ñieàu haønh do PACE caáp ngaøy 04/10/2007.

1.8 Tyû leä sôû höõu coå phaàn vaø nhöõng thay ñoåi trong tyû leä naém giöõ coå phaàn cuûa caùc thaønh vieân Hoäi Ñoàng Quaûn Trò

Soá löôïng CP Stt

Hoï teân

Chöùc danh

Tæ leä (%)

Caù nhaân

Ñaïi dieän voán toå chöùc

Toång

Chuû tòch

189.900

758.800

948.700

2,134

Nguyeãn Vaên seõ

Nguyeãn Thò Möôøi

Phoù Chuû tòch

96.300

3.225.000

3.321.300

7,470

Nguyeãn Vaên Cöïu

Thaønh vieân

2.661.600

5,986

Phaïm Vaên Taân

Thaønh vieân

532.500

200.000

732.500

1,647

Traàn Thò Vieät Thu

Thaønh vieân

381.700

0,858

Nguyeãn Vaên Tuaân

Thaønh vieân

6.500.000

14,619

Ngoâ Quang Trung

Thaønh vieân

6.500.000

14,619

1.9 Thoâng tin veà caùc giao dòch coå phieáu/ chuyeån nhöôïng phaàn voán goùp cuûa ngaân haøng cuûa caùc thaønh vieân Hoäi Ñoàng Quaûn Trò, Ban Kieåm soaùt, Ban Ñieàu haønh, coå ñoâng lôùn vaø nhöõng ngöôøi lieân quan

Stt

Hoï teân

Choát DS vaøo ngaøy 31/12/2006 SL CP

Choát DS vaøo ngaøy 31/12/2007

Ghi chuù

Tæ leä %

SL CP

Tæ leä %

69.600

0,331

189.900

0,427

Theå nhaân

505.900

2.409

758.800

1,707

ÑD phaùp nhaân

297.800

1,418

96.300

0.217

Theå nhaân

2.150.000

10,238

3.225.000

7,253

ÑD phaùp nhaân

1.755.400

8,359

2.661.600

5,986

Theå nhaân

192.200

0,915

532.500

1,198

Theå nhaân

505.900

2,409

200.000

0,449

ÑD phaùp nhaân

101.800

0,485

381.700

0,858

Theå nhaân

1. Hoäi Ñoàng Quaûn Trò 1

Nguyeãn Vaên Seõ

Nguyeãn Thò Möôøi

Nguyeãn Vaên Cöïu

Phaïm Vaên Taân

Traàn Thò Vieät Thu

Nguyeãn Vaên Tuaân

6.500.000

14,619

ÑD phaùp nhaân

Ngoâ Quang Trung

6.500.000

14,619

ÑD phaùp nhaân

2. Ban Kieåm soaùt 1

Traàn Kieân Binh

35.700

0,17

50.800

0,114

Theå nhaân

Vuõ Thò Hoàng

17.100

0,081

22.800

0,051

Theå nhaân

Phan Sum

5.100

0,024

12.400

0,28

Theå nhaân

Nguyeãn Theá Hieån

338.700

0,762

ÑD phaùp nhaân

3. Ban Giaùm ñoác ñieàu haønh 1

Traàn Thò Vieät Thu

101.800

0,485

381.700

0,858

Toång GÑ

Ñinh Ngoïc Chaâu

40.700

0,194

59.200

0,133

Phoù Toång GÑ

Phaïm Vaên Ñaït

20.500

0,098

44.800

0,101

Phoù Toång GÑ

Traàn Thò Kim Anh

22.800

0,109

28.500

0,064

Phoù Toång GÑ

4. Coå ñoâng lôùn (Sôû höõu treân 5% voán coå phaàn)

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Ngaân haøng TMCP Saøi Goøn Coâng Thöông

2.150.000

10,238

3.225.000

7,253

Phaùp nhaân

Nguyeãn Vaên Cöïu

1.755.400

8,359

2.661.600

5,986

Theå nhaân

Traàn Thò Laâm

1.745.300

8,311

3.270.900

7,357

Theå nhaân

Ngaân haøng TMCP Ngoaïi Thöông Vieät Nam

758.800

3,613

4.890.853

11,000

Phaùp nhaân

Cty LDQL Quyõ ÑTCK Vietcombank

8.447.847

19,000

Phaùp nhaân

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

1.8 Tyû leä sôû höõu coå phaàn vaø nhöõng thay ñoåi trong tyû leä naém giöõ coå phaàn cuûa caùc thaønh vieân Hoäi Ñoàng Quaûn Trò

Soá löôïng CP Stt

Hoï teân

Chöùc danh

Tæ leä (%)

Caù nhaân

Ñaïi dieän voán toå chöùc

Toång

Chuû tòch

189.900

758.800

948.700

2,134

Nguyeãn Vaên seõ

Nguyeãn Thò Möôøi

Phoù Chuû tòch

96.300

3.225.000

3.321.300

7,470

Nguyeãn Vaên Cöïu

Thaønh vieân

2.661.600

5,986

Phaïm Vaên Taân

Thaønh vieân

532.500

200.000

732.500

1,647

Traàn Thò Vieät Thu

Thaønh vieân

381.700

0,858

Nguyeãn Vaên Tuaân

Thaønh vieân

6.500.000

14,619

Ngoâ Quang Trung

Thaønh vieân

6.500.000

14,619

Stt

Hoï teân

Choát DS vaøo ngaøy 31/12/2006 SL CP

Choát DS vaøo ngaøy 31/12/2007

Ghi chuù

Tæ leä %

SL CP

Tæ leä %

69.600

0,331

189.900

0,427

Theå nhaân

505.900

2.409

758.800

1,707

ÑD phaùp nhaân

297.800

1,418

96.300

0.217

Theå nhaân

2.150.000

10,238

3.225.000

7,253

ÑD phaùp nhaân

1.755.400

8,359

2.661.600

5,986

Theå nhaân

192.200

0,915

532.500

1,198

Theå nhaân

505.900

2,409

200.000

0,449

ÑD phaùp nhaân

101.800

0,485

381.700

0,858

Theå nhaân

1. Hoäi Ñoàng Quaûn Trò 1

Nguyeãn Vaên Seõ

Nguyeãn Thò Möôøi

Nguyeãn Vaên Cöïu

Phaïm Vaên Taân

Traàn Thò Vieät Thu

Nguyeãn Vaên Tuaân

6.500.000

14,619

ÑD phaùp nhaân

Ngoâ Quang Trung

6.500.000

14,619

ÑD phaùp nhaân

2. Ban Kieåm soaùt 1

Traàn Kieân Binh

35.700

0,17

50.800

0,114

Theå nhaân

Vuõ Thò Hoàng

17.100

0,081

22.800

0,051

Theå nhaân

Phan Sum

5.100

0,024

12.400

0,28

Theå nhaân

Nguyeãn Theá Hieån

338.700

0,762

ÑD phaùp nhaân

3. Ban Giaùm ñoác ñieàu haønh 1

Traàn Thò Vieät Thu

101.800

0,485

381.700

0,858

Toång GÑ

Ñinh Ngoïc Chaâu

40.700

0,194

59.200

0,133

Phoù Toång GÑ

Phaïm Vaên Ñaït

20.500

0,098

44.800

0,101

Phoù Toång GÑ

Traàn Thò Kim Anh

22.800

0,109

28.500

0,064

Phoù Toång GÑ

4. Coå ñoâng lôùn (Sôû höõu treân 5% voán coå phaàn)

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Ngaân haøng TMCP Saøi Goøn Coâng Thöông

2.150.000

10,238

3.225.000

7,253

Phaùp nhaân

Nguyeãn Vaên Cöïu

1.755.400

8,359

2.661.600

5,986

Theå nhaân

Traàn Thò Laâm

1.745.300

8,311

3.270.900

7,357

Theå nhaân

Ngaân haøng TMCP Ngoaïi Thöông Vieät Nam

758.800

3,613

4.890.853

11,000

Phaùp nhaân

Cty LDQL Quyõ ÑTCK Vietcombank

8.447.847

19,000

Phaùp nhaân

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

2. CAÙC DÖÕ LIEÄU THOÁNG KEÂ VEÀ COÅ ÑOÂNG 2.1 Coå ñoâng trong nöôùc Coå ñoâng

Soá löôïng coå ñoâng

Soá löôïng coå phaàn

Tyû leä coå phaàn

20.278.800

45,61

Theå nhaân

571

24.183.500

54,39

Toång coäng

585

44.462.300

100,00

Phaùp nhaân

* Thoâng tin chi tieát veà töøng coå ñoâng lôùn (sôû höõu treân 5% voán coå phaàn) Stt

Hoï teân

Ñòa chæ lieân laïc

Ngheå nghieäp/ Ngaønh ngheà hoaït ñoäng

SL CP

Tæ leä %

2C Phoù Ñöùc Chính, Q.1, TP HCM

Ngaân haøng

3.225.000

7,253

250 Toâ Hieán Thaønh, Q.10, TP HCM

Kinh doanh

2.661.600

5,986

41 Nguyeãn Thoâng, Q.3, TP HCM

Kinh doanh

3.270.900

7,357

Ngaân haøng TMCP Saøi Goøn Coâng Thöông

Nguyeãn Vaên Cöïu

Traàn Thò Laâm

Ngaân haøng TMCP Ngoaïi Thöông Vieät Nam

198 Traàn Quang Khaûi, Haø Noäi

Ngaân Haøng

4.890.853

11,000

Cty LDQL Quyõ ÑTCK Vietcombank

198 Traàn Quang Khaûi, Haø Noäi

Chöùng khoaùn

8.447.847

19,000

2.2 Coå ñoâng nöôùc ngoaøi: Theo danh saùch coå ñoâng choát vaøo ngaøy 31/12/2007, Gia Ñònh Ngaân haøng khoâng coù coå ñoâng nöôùc ngoaøi.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

2. CAÙC DÖÕ LIEÄU THOÁNG KEÂ VEÀ COÅ ÑOÂNG 2.1 Coå ñoâng trong nöôùc Coå ñoâng

Soá löôïng coå ñoâng

Soá löôïng coå phaàn

Tyû leä coå phaàn

20.278.800

45,61

Theå nhaân

571

24.183.500

54,39

Toång coäng

585

44.462.300

100,00

Phaùp nhaân

* Thoâng tin chi tieát veà töøng coå ñoâng lôùn (sôû höõu treân 5% voán coå phaàn) Stt

Hoï teân

Ñòa chæ lieân laïc

Ngheå nghieäp/ Ngaønh ngheà hoaït ñoäng

SL CP

Tæ leä %

2C Phoù Ñöùc Chính, Q.1, TP HCM

Ngaân haøng

3.225.000

7,253

250 Toâ Hieán Thaønh, Q.10, TP HCM

Kinh doanh

2.661.600

5,986

41 Nguyeãn Thoâng, Q.3, TP HCM

Kinh doanh

3.270.900

7,357

Ngaân haøng TMCP Saøi Goøn Coâng Thöông

Nguyeãn Vaên Cöïu

Traàn Thò Laâm

Ngaân haøng TMCP Ngoaïi Thöông Vieät Nam

198 Traàn Quang Khaûi, Haø Noäi

Ngaân Haøng

4.890.853

11,000

Cty LDQL Quyõ ÑTCK Vietcombank

198 Traàn Quang Khaûi, Haø Noäi

Chöùng khoaùn

8.447.847

19,000

2.2 Coå ñoâng nöôùc ngoaøi: Theo danh saùch coå ñoâng choát vaøo ngaøy 31/12/2007, Gia Ñònh Ngaân haøng khoâng coù coå ñoâng nöôùc ngoaøi.

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

MAÏNG LÖÔÙI HOAÏT ÑOÄNG HOÄI SÔÛ 135 Phan Ñaêng Löu, Quaän Phuù Nhuaän, Thaønh phoáù Hoà Chí Minh Ñieän thoai: (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn

TP. HOÀ CHÍ MINH Chi nhaùnh Baïch Ñaèng

473C Baïch Ñaèng, Quaän Bình Thaïnh Ñieän thoaïi: (08) 8412146 Fax: (08) 8413656

Chi nhaùnh Haøng Xanh

68 Baïch Ñaèng, Quaän Bình Thaïnh Ñieän thoaïi: (08) 8991567 Fax: (08) 8995441

Chi nhaùnh Saøi Goøn

119 Nguyeãn Thaùi Hoïc, Quaän 1 Ñieän thoaïi: (08) 8385550 Fax: (08) 8385553

Phoøng giao dòch Bình Hoøa

187 Nguyeãn Vaên Ñaäu, Quaän Bình Thaïnh Ñieän thoaïi/ Fax: (08) 8411367

Phoøng giao dòch Thuû Ñöùc

42 Leâ Vaên Ninh, Quaän Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 8966081

Phoøng giao dòch Taân Phuù

430 Luõy Baùn Bích, Quaän Taân Phuù Ñieän thoaïi: (08) 4067295 Fax: (08) 4067296

Phoøng giao dòch Ña Kao

66 Traàn Quang Khaûi, Quaän 1 Ñieän thoaïi: (08) 8483591 Fax: (08) 8483592

Ñieåm giao dòch soá 01

01 Hoøa Bình, Quaän Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 7225536

Leã khaùnh thaønh Hoäi Sôû môùi Ngaân Haøng TMCP Gia Ñònh

HAØ NOÄI Chi nhaùnh Haø Noäi

55 Ñaøo Taán, Quaän Ba Ñình Ñieän thoaïi: (04) 7667336 Fax: (04) 7667335

Phoøng giao dòch Hoaøn Kieám

24B Toân Ñaûng, Quaän Hoaøn Kieám Ñieän thoaïi: (04) 9366677 Fax: (04) 9367596

Phoøng giao dòch Thanh Xuaân

96 Nguyeãn Traõi, Quaän Thanh Xuaân Ñieän thoaïi: (04) 5543869 Fax: (04) 5543785

Phoøng giao dòch Caàu Giaáy

25 Nguyeãn Phong Saéc, Quaän Caàu Giaáy Ñieän thoaïi: (04) 7549828 Fax: (04) 7549818

Phoøng giao dòch Hai Baø Tröng

107 Phoá Traàn Ñaïi Nghóa, Phöôøng Baùch Khoa, Quaän Hai Baø Tröng

Phoøng giao dòch Ñoáng Ña

39A Ñeâ La Thaønh (ñöôøng Kim Lieân môùi). Quaän Ñoáng Ña Ñieän thoaïi: (04) 5738203 Fax: (04) 5738194.

Chi nhaùnh Ñaø Naüng

386 Hoaøng Dieäu, Quaän Haûi Chaâu Ñieän thoaïi: (0511) 3584600 Fax: (0511) 3584601

Chi nhaùnh Caàn Thô

135Y-135H Traàn Höng Ñaïo, Quaän Ninh Kieàu Ñieän thoaïi: (0710) 733740 Fax: (0710) 733745

Chi nhaùnh Buoân Ma Thuoät

186 Leâ Duaån, Thaønh phoá Buoân Ma Thuoät Ñieä n thoaï i : (0500) 843192 Fax: (0500) 843193

Phoøng giao dòch Quaän 5

136 Nguyeãn Tri Phöông, Quaän 5

Phoøng giao dòch Phuù Myõ Höng

SD-06, Loâ H25-2 Khu phoá Myõ Ñöùc, Quaän 7

Phoøng giao dòch Phuù Thuaän

1 Loâ G, Khu phoá 1, Nguyeãn Vaên Quyø, Quaän 7

Phoøng giao dòch Goø Vaáp

296 Nguyeãn Vaên Nghi, Quaän Goø Vaáp

Phoøng giao dòch Bình Döông

16-17 Loâ C2 Laøng Chuyeân gia Ruby Land, Khu ñoâ thò Myõ Phöôùc II, Huyeän Beán Caùt, Tænh Bình Döông 9Q Löông Theá Vinh, Thaønh phoá Vuõng Taøu

ÑAØ NAÜNG CAÀN THÔ ÑAÉCLAÉK Hoaït ñoäng trong naêm 2008 TP. HOÀ CHÍ MINH

Leã khai tröông Phoøng Giao Dòch Hoaøn Kieám - Haø Noäi

Ngaân Haøng TMCP Gia Ñònh - chi nhaùnh Ñaø Naüng

KHU VÖÏC ÑOÂNG NAM BOÄ

Phoøng giao dòch Vuõng Taøu

KHU VÖÏC TAÂY NAM BOÄ

Phoøng giao dòch Ñoàng Nai

A4/443 Buøi Höõu Nghóa, Phöôøng Taân Vaïn, Thaønh phoá Bieân Hoøa, Tænh Ñoàng Nai

Phoøng giao dòch Taây Ninh

A11 Khu phoá Thöông Maïi, Ñöôøng 30-4, Khu phoá 1, Phöôøng 3 , TXTaây Ninh

Leã khai tröông Phoøng Giao Dòch Thanh Xuaân - Haø Noäi Phoøng giao dòch Long An

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

13-15 Ñöôøng soá 5B, Thò xaõ Taân An, Tænh Long An Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

TP. HOÀ CHÍ MINH Chi nhaùnh Baïch Ñaèng

473C Baïch Ñaèng, Quaän Bình Thaïnh Ñieän thoaïi: (08) 8412146 Fax: (08) 8413656

Chi nhaùnh Haøng Xanh

68 Baïch Ñaèng, Quaän Bình Thaïnh Ñieän thoaïi: (08) 8991567 Fax: (08) 8995441

Chi nhaùnh Saøi Goøn

119 Nguyeãn Thaùi Hoïc, Quaän 1 Ñieän thoaïi: (08) 8385550 Fax: (08) 8385553

Phoøng giao dòch Bình Hoøa

187 Nguyeãn Vaên Ñaäu, Quaän Bình Thaïnh Ñieän thoaïi/ Fax: (08) 8411367

Phoøng giao dòch Thuû Ñöùc

42 Leâ Vaên Ninh, Quaän Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 8966081

Phoøng giao dòch Taân Phuù

430 Luõy Baùn Bích, Quaän Taân Phuù Ñieän thoaïi: (08) 4067295 Fax: (08) 4067296

Phoøng giao dòch Ña Kao

66 Traàn Quang Khaûi, Quaän 1 Ñieän thoaïi: (08) 8483591 Fax: (08) 8483592

Ñieåm giao dòch soá 01

01 Hoøa Bình, Quaän Thuû Ñöùc Ñieän thoaïi/ Fax: (08) 7225536

Leã khaùnh thaønh Hoäi Sôû môùi Ngaân Haøng TMCP Gia Ñònh

HAØ NOÄI Chi nhaùnh Haø Noäi

55 Ñaøo Taán, Quaän Ba Ñình Ñieän thoaïi: (04) 7667336 Fax: (04) 7667335

Phoøng giao dòch Hoaøn Kieám

24B Toân Ñaûng, Quaän Hoaøn Kieám Ñieän thoaïi: (04) 9366677 Fax: (04) 9367596

Phoøng giao dòch Thanh Xuaân

96 Nguyeãn Traõi, Quaän Thanh Xuaân Ñieän thoaïi: (04) 5543869 Fax: (04) 5543785

Phoøng giao dòch Caàu Giaáy

25 Nguyeãn Phong Saéc, Quaän Caàu Giaáy Ñieän thoaïi: (04) 7549828 Fax: (04) 7549818

Phoøng giao dòch Hai Baø Tröng

107 Phoá Traàn Ñaïi Nghóa, Phöôøng Baùch Khoa, Quaän Hai Baø Tröng

Phoøng giao dòch Ñoáng Ña

39A Ñeâ La Thaønh (ñöôøng Kim Lieân môùi). Quaän Ñoáng Ña Ñieän thoaïi: (04) 5738203 Fax: (04) 5738194.

Chi nhaùnh Ñaø Naüng

386 Hoaøng Dieäu, Quaän Haûi Chaâu Ñieän thoaïi: (0511) 3584600 Fax: (0511) 3584601

Chi nhaùnh Caàn Thô

135Y-135H Traàn Höng Ñaïo, Quaän Ninh Kieàu Ñieän thoaïi: (0710) 733740 Fax: (0710) 733745

Chi nhaùnh Buoân Ma Thuoät

186 Leâ Duaån, Thaønh phoá Buoân Ma Thuoät Ñieä n thoaï i : (0500) 843192 Fax: (0500) 843193

Phoøng giao dòch Quaän 5

136 Nguyeãn Tri Phöông, Quaän 5

Phoøng giao dòch Phuù Myõ Höng

SD-06, Loâ H25-2 Khu phoá Myõ Ñöùc, Quaän 7

Phoøng giao dòch Phuù Thuaän

1 Loâ G, Khu phoá 1, Nguyeãn Vaên Quyø, Quaän 7

Phoøng giao dòch Goø Vaáp

296 Nguyeãn Vaên Nghi, Quaän Goø Vaáp

Phoøng giao dòch Bình Döông

16-17 Loâ C2 Laøng Chuyeân gia Ruby Land, Khu ñoâ thò Myõ Phöôùc II, Huyeän Beán Caùt, Tænh Bình Döông 9Q Löông Theá Vinh, Thaønh phoá Vuõng Taøu

ÑAØ NAÜNG CAÀN THÔ ÑAÉCLAÉK Hoaït ñoäng trong naêm 2008 TP. HOÀ CHÍ MINH

Leã khai tröông Phoøng Giao Dòch Hoaøn Kieám - Haø Noäi

Ngaân Haøng TMCP Gia Ñònh - chi nhaùnh Ñaø Naüng

KHU VÖÏC ÑOÂNG NAM BOÄ

Phoøng giao dòch Vuõng Taøu

KHU VÖÏC TAÂY NAM BOÄ

Phoøng giao dòch Ñoàng Nai

A4/443 Buøi Höõu Nghóa, Phöôøng Taân Vaïn, Thaønh phoá Bieân Hoøa, Tænh Ñoàng Nai

Phoøng giao dòch Taây Ninh

A11 Khu phoá Thöông Maïi, Ñöôøng 30-4, Khu phoá 1, Phöôøng 3 , TXTaây Ninh

Leã khai tröông Phoøng Giao Dòch Thanh Xuaân - Haø Noäi Phoøng giao dòch Long An

Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

13-15 Ñöôøng soá 5B, Thò xaõ Taân An, Tænh Long An Ngaân haøng Thöông maïi Coå phaàn Gia Ñònh

Vitality

MESSAGE FROM THE CHAIRMAN OF THE BOARD OF DIRECTORS

for a new stage Ladies and Gentlemen, First of all, I would like to share with you â&#x20AC;&#x201C; the respected shareholders of Gia Dinh Commercial Joint Stock Bank (Gia Dinh Bank) the achievements obtained during the year 2007. For business activities, Gia Dinh Bank has fulfilled successfully all the targets set by the General Meeting of Shareholders with the ultimate result being the profit before tax exceeded the planned figure. And also in the year 2007, Gia Dinh Bank has signed an agreement on strategic investment and co-operation with Vietcombank, further creating a solid foundation for the development of Gia Dinh Bank. Hence, although having to face a lot of hard and challenging tasks set for the year 2008; I do believe that, with the great effort from the Board of Directors, the Board of Management and all the bank staff along with the practical and long-term support from the strategic shareholders, Gia Dinh Bank will be developed into a strong commercial bank being highly competitive in the banking industry in Vietnam. In 2008 and in the coming years, Gia Dinh Bank will continue its oriented development plan, always create a favourable working environment and focus on step-by-step improving the banking management according to ISO standards and developing Gia Dinh Bank into a strong brand name. To achieve these targets, the Board of Directors has always had proper care for and provided close guidance to the Board of Management about the bankâ&#x20AC;&#x2122;s operations in order to efficiently implement the resolutions set out by the General Meeting of Shareholders. On behalf of the Board of Directors, I would like to express my sincere thanks for the kind attention and help from the State Bank of Vietnam and the local government at all levels; for the valuable contribution and support from respected shareholders; and especially for the trust of distinguished customers having co-operated and closely attached to Gia Dinh Bank during the past 15 years. Such kind confidence and support are surely the strong motivation and belief leading our Gia Dinh Bank to steadily move forward on its new itinerary. Therefore, in the coming time, your further support and co-operation will be the essential factor that fosters the development of Gia Dinh Bank to a highly competitive bank in Vietnam. In addition, I also would like to express my special thanks to the whole-hearted effort and strong attachment of all the bank staff during the past years and especially in the year 2007.

CHAIRMAN

NGUYEN VAN SE

Gia Dinh Bank

Vitality

MESSAGE FROM THE CHAIRMAN OF THE BOARD OF DIRECTORS

CHAIRMAN

NGUYEN VAN SE

Gia Dinh Bank

PART I

OPERATIONAL HISTORY OF THE BANK 1/ IMPORTANT EVENTS 1.1 Establishment Gia Dinh Commercial Joint Stock Bank (hereinafter called “Gia Dinh Bank”) was incorporated and operated under the license No. 0025/NH-GP dated 22 August 1992 granted by the Governor of the State Bank of Vietnam and the license No. 576/GP-UB dated 08 October 1992 granted by the Ho Chi Minh City People’s Committee. 1.2 Other events May 1994: In Gia Dinh Bank the case of “Thai Kim Lieng and her accomplices” took place. Some key persons of the former Board of Directors and the Board of Management were prosecuted and imprisoned for their serious violations of regulations on control and management of the bank’s operations. Such an important event pushed Gia Dinh Bank to face the brink of bankruptcy and many other great challenges and difficulties as follows: its financial loss was more than VND 63 billion while its chartered capital was only VND 20.104 billion, of which VND 19.644 billion was “unreal”; the remaining capital was also nothing left due to such a great loss; the “unreal” outstanding loans accounting for over 95% of the total outstanding loans; the cash fund was empty; almost all of its operating offices were rented; the great pressure of a “bank run” and moreover, the mass job leave of quite a few bank employees... August 1994: The new Management of the bank (being the cadre of high-level banking background transferred from some other commercial banks in Ho Chi Minh City area) officially took over Gia Dinh Bank and was assigned with both challenging and burdensome tasks at the same time: solving the serious consequences of such a crisis and ensuring the stabilization and development of the bank. From 1994 - 2004: ten years of consolidating and strengthening the operations of the bank. Thanks to the timely guidance of the Party Committee and the People’s Committee of Ho Chi Minh city, the approval of the State Bank of Vietnam (SBV) to apply some situation-solving measures, especially a special loan of VND 26 billion from SBV along with the valuable support of 16 commercial banks which contributed VND 25.5 billion of capital as well as the whole-hearted effort of all the bank’s staff and the new Management, Gia Dinh Bank gradually overcame such challenging difficulties and stabilized its operations. 2005: The turn-around year, with its chartered capital of VND 80billion, marked an important milestone in the development history of Gia Dinh Bank: the “unreal” charted capital was cleared, the existing one was higher than the legal capital stipulated by the State.

In this year, Gia Dinh Bank signed an agreement on strategic investment and co-operation with Vietcombank. Accordingly, Vietcombank committed frequently maintaining its shareholding capital rate at 30%, becoming the only strategic shareholder of Gia Dinh Bank and providing comprehensive support in order to turn Gia Dinh Bank into a highly competitive commercial bank in Vietnam.

Gia Dinh Bank

2006: Starting the development ° The chartered capital was increased to VND 210 billion. ° The imbalances of the financial situation were completely eradicated and for the first time, Gia Dinh Bank distributed its dividends at the rate of 7%. ° The new Head office of the bank at 135 Phan Dang Luu, Phu Nhuan District, HCMC was inaugurated. ° In the year 2006, the bank was ranked 19th over 29 commercial banks in the whole country in terms of being ready for development and application of information technology in banking voted by the Vietnamese Association of Information Technology. 2007: Continuing its oriented development ° In the year 2007, the bank’s chartered capital was increased to VND 444.623 billion. ° In this year, Gia Dinh Bank signed an agreement on strategic investment and co-operation with Vietcombank. Accordingly, Vietcombank committed frequently maintaining its shareholding capital rate at 30%, becoming the only strategic shareholder of Gia Dinh Bank and providing comprehensive support in order to turn Gia Dinh Bank into a highly competitive commercial bank in Vietnam. ° The bank’s operation network was expanded to the big cities in the North, the South, the West and the Western Highlands of the country ° The bank was also awarded “The golden cup of brand and trademark” for the second time in 2007 by the Vietnam Medium and Small Enterprises Association, the Union of Vietnamese Co-operatives and the Southeast Asia Sciences Association ° In the year 2007, the bank was awarded the certificate of merit by the Vietnam Banks Association. ° The bank was also recognized the title of “Vietnamese enterprises having high prestige and quality in 2007” by the Institute of Knowledge and Technology management, the Asia-Pacific Research Center, the Vinexad ° Gia Dinh Bank rated itself at the ‘A’ class as stipulated by the State Bank of Vietnam.

Gia Dinh Bank

PART I

Gia Dinh Bank

PROFIT 2. DEVELOPMENT PROCESS

215783

2.1 Main business operations Mobilizing short-term, medium-term and long-term funds: demand deposit, term deposit, certificate of deposit; receiving the capital for investment and development; borrowing from other credit organizations; granting shortterm, medium-term and long-term loans; discounting commercial papers, bonds and valuable papers; contributing capital and entering into joint venture in accordance with the prevailing regulations; providing domestic and international payment services to customers; trading in gold and foreign currency; mobilizing foreign capital and providing other banking services in co-operation with foreign banks when being approved by the State Bank; providing pawning services. 2.2 Operation performance Over its 15 years of establishment and development, Gia Dinh Bank has obtained remarkable achievements when it successfully resolved the serious consequences of the case of â&#x20AC;&#x153;Thai Kim Lieng and her accomplicesâ&#x20AC;? and at the same time step-by-step stabilized its operation and growth. And the most convincing evidence for these achievements has been the astonishing financial ratios of Gia Dinh Bank during the latest years:

CHARTERED CAPITAL

TOTAL ASSETS Million

2500000 2000000 1500000

42103

2005

450000 400000

210000

150000

502687

100000

80000

50000 2005

2006

2007

2005

2006

2007

OUTSTANDING LOANS

MOBILIZED CAPITAL Million

Million

1200000

1400000 1257161

1200000

1051172

1000000

800000

600000

521006

533490

400000

389470

Income from 2005-2007

0 2005

2006

2007

3.1 Key objectives for 2008 Growth rate compared with the year 2007 - Total assets : VND 3,110 billion 53% - Mobilized capital : VND 1,920 billion 53% - Outstanding loans : VND 1,800 billion 71% (The actual outstanding loans can be adjusted in line with the regulations of the State Bank). - Business performance : + Gross income : VND 326.8 billion 51% + Total expenses : VND 229.8 billion 100% + Profit before tax : VND 97 billion 130% - Number of employees : 490 people 127% 3.2 Medium and long-term development strategy With the advantage of having some commercial banks as legal person shareholders, especially its strategic shareholder-Vietcombank-committed providing the comprehensive support, Gia Dinh Bank has strategically oriented to become a retail bank with a widespread network, develop a wide range of banking services, products and provide more banking facilities based on the application of advanced information technology. The bank shall ensure a fast, safe and controlled growth realized by an enthusiastic staff who have ethical and professional qualifications to carry out its development strategy and business plan in the best way. With such a high-growth-rate development strategy and with the capital support from its strategic shareholder, Vietcombank, the business performance of Gia Dinh Bank by 2010 will have been estimated as follows:

390211

200000

2007

3. DEVELOPMENT ORIENTATION

200000

783873

2006 Expenses from 2005-2007

300000

1000000

400000

63565 51210

444623

250000

117239

Million

350000

500000

114751

500000 2036415

Million

+ Chartered capital : VND 4,000 billion + Total assets 2005

2006

2007

: VND 19,500 billion

+ Mobilized capital : VND 15,000 billion + Outstanding loans : VND 12,000 billion

Gia Dinh Bank

PROFIT 2. DEVELOPMENT PROCESS

215783

CHARTERED CAPITAL

TOTAL ASSETS Million

2500000 2000000 1500000

42103

2005

450000 400000

210000

150000

502687

100000

80000

50000 2005

2006

2007

2005

2006

2007

OUTSTANDING LOANS

MOBILIZED CAPITAL Million

Million

1200000

1400000 1257161

1200000

1051172

1000000

800000

600000

521006

533490

400000

389470

Income from 2005-2007

0 2005

2006

2007

390211

200000

2007

3. DEVELOPMENT ORIENTATION

200000

783873

2006 Expenses from 2005-2007

300000

1000000

400000

63565 51210

444623

250000

117239

Million

350000

500000

114751

500000 2036415

Million

+ Chartered capital : VND 4,000 billion + Total assets 2005

2006

2007

: VND 19,500 billion

+ Mobilized capital : VND 15,000 billion + Outstanding loans : VND 12,000 billion

Gia Dinh Bank

PART II

REPORT OF THE BOARD OF DIRECTORS

The Periodic Meeting of Board of Directors

1/ HIGHLIGHTS IN 2007 PERFORMANCE

During 2007, Gia Dinh Bank has obtained some remarkable results as follows: Targets

Unit: VND million

2006

2007

Growth (%)

Total assets

783,873

2,036,415

160

Outstanding loans

521,006

1,051,172

102

Mobilized capital

533,490

1,257,161

136

Profit before tax

19,323

101,03

423

05 units

20 units

300

Operation network

2. PERFORMANCE IN COMPARISON WITH PLAN TARGETS Items

Unit: VND million

Plan

Performance

Comparison (%)

2,036,415

Mobilized capital

586,000

1,257,161

215

Outstanding loans

782,000

1,051,172

134

101,032

42,000

42,202

100.5

58,830

Total assets

Profit before tax - From operating activities - From sales of land in Vung Tau

3. MAJOR CHANGES DURING THE YEAR

In the general trend of integration, it is essential for economic groups and organizations to co-operate for survival and development. Acknowledging this trend, the Board of Directors has unanimously submitted to the General Meeting of Shareholders of Gia Dinh Bank for approving the selection of Vietcombank as the only strategic shareholders with its capital contribution rate maintained at 30% of the total chartered capital of Gia Dinh Bank. Vietcombank has also committed to provide Gia Dinh Bank with practical and long-term supports and, in the shortterm has appointed 3 members to the Board of Directors and the Supervisory Board in order to supplement and enhance the power of these Boards.

4. PROSPECT AND PLAN IN THE FUTURE

With the whole-hearted effort of the Management and all staff members of Gia Dinh Bank along with the practical and long-term support from its strategic shareholder, Vietcombank, and by the focus on improvement of theits banking management and operation in line with ISO standards, it is surely that Gia Dinh Bank will rapidly develop into a highly competitive commercial bank in Vietnam in the near future. The Board of Directors always stands shoulder to shoulder with the Board of Management to implement successfully the set development strategy and turn Gia Dinh Bank into a powerful brand name.

Gia Dinh Bank

PART II

REPORT OF THE BOARD OF DIRECTORS

The Periodic Meeting of Board of Directors

1/ HIGHLIGHTS IN 2007 PERFORMANCE

During 2007, Gia Dinh Bank has obtained some remarkable results as follows: Targets

Unit: VND million

2006

2007

Growth (%)

Total assets

783,873

2,036,415

160

Outstanding loans

521,006

1,051,172

102

Mobilized capital

533,490

1,257,161

136

Profit before tax

19,323

101,03

423

05 units

20 units

300

Operation network

2. PERFORMANCE IN COMPARISON WITH PLAN TARGETS Items

Unit: VND million

Plan

Performance

Comparison (%)

2,036,415

Mobilized capital

586,000

1,257,161

215

Outstanding loans

782,000

1,051,172

134

101,032

42,000

42,202

100.5

58,830

Total assets

Profit before tax - From operating activities - From sales of land in Vung Tau

3. MAJOR CHANGES DURING THE YEAR

4. PROSPECT AND PLAN IN THE FUTURE

Gia Dinh Bank

PART III

REPORT OF THE GENERAL DIRECTOR 1. FINANCIAL POSITION 1.1 Profitability Items

Year 2005

Year 2006

Year 2007

Profit after tax/average chartered capital

18.03%

9.83%

24.14%

Return on equity (ROE)

15.21%

9.15%

23.05%

1.66%

1.52%

3.16%

Return on total assets (ROA)

During 2007, despite the strong growth in its total assets (increasing by 160%) and chartered capital (increasing by 112%), the profitability ratios of Gia Dinh Bank still remained at a quite high growth rate. Such a performance shows that the operations of Gia Dinh Bank has more and more developed. Board of General Directors

1.2 Liquidity Items Current ratio (times) Ratio of short-term funds used for medium and long-term loans (%)

Year 2005

Year 2006

Year 2007

4.25

3.04

2.32

These statistical figures show that Gia Dinh Bank has always maintained its liquidity at a highly secure level. 1.3 Analysis on safety ratios in the bank’s operation The Capital adequacy ratio (CAR) of Gia Dinh Bank as of 31 December 2007 stood at 77.90%. The bank’s CAR has always been ensured to abide by the regulation stipulated by the State Bank. Although the outstanding loans of Gia Dinh Bank in 2007 made a considerable increase in comparison with those of the year 2006 (increase of 102%), the proportion of bad debts only accounted for 0.44% of total outstanding loans. However, all these bad debts have been secured by legal collaterals and are very likely to be recovered. 1.4 Analysis on major changes compared with plan and causes of these changes In 2007, Gia Dinh Bank planned to issue VND 500 billion of convertible bonds. However, this plan was unable to be realized due to not having enough time for implementing (it was approved nearly at the end of 2007 by the State Bank and the State Securities Commission of Vietnam). 1.5 Changes in share capital In the year 2007, Gia Dinh Bank increased its capital in 02 series in order to enhance its financial capacity and to meet its operation growth. Its chartered capital as at the end of 2007 was VND 444.623 billion (in which, the share capital of the strategic shareholders, Vietcombank, accounting for 30%). 1.6 Number of outstanding shares Gia Dinh Bank has only issued common shares and as of 31 December 2007, the total number of outstanding shares was 44,462,300. 1.7 Dividends Gia Dinh Bank has distributed dividends to its shareholders in cash at the rate as follows: - Shareholders holding shares issued before and on 18 July 2005: 59.24%. - Shareholders holding shares issued after 18 July 2005 to 31 December 2007: 12.59%.

2/ BUSINESS PERFORMANCE

The operation ratios of Gia Dinh Bank in the year 2007 increased in comparison with those of the previous year, with details as follows: ° The total assets as of 31 December 2007 were VND 2,036,415 million, increasing by VND 1,252,542 million as compared with those as of 31 December 2006 (i.e. 159.8% up). ° The total capital mobilized as of 31 December 2007 was VND 1,257,161 million, increasing by 135,6% against that of the year 2006 and reached 215% compared to the plan. The average mobilized capital balance reached VND 764,686 million, 71.3% up as compared to that of the year 2006.

Gia Dinh Bank

° The total outstanding loans as of 31 December 2007 were VND 1,051,172 million, increasing by 101.8% as compared with those of the year 2006 and reaching 134% of the plan. The average outstanding loans were VND 716,870 million, 70.8% up in comparison with those of 2006. ° Business results of the year 2007: Profit before tax was VND 101,032 million, increasing by VND 81,709 million, (423% up) as compared to that of 2006. ° The safety ratios including the capital adequacy ratio (CAR), liquidity ratio , the proportion of short-term capital used for medium and long-term loans, etc, have been strictly performed in compliance with the regulations of the State Bank.

3/ ACHIEVEMENTS OF GIA DINH BANK 3.1 Renovations on bank organization structure, policy and management ° To meet the demand of expanding its operation, Gia Dinh Bank, in the year 2007, has restructured its organization at the head office to satisfy the requirements of new conditions. The bank has split and established some new specially responsible departments and sections: Asset Valuation, Marketing, Legal, Investment... At the same time, the bank has also recruited, trained, arranged and appointed the right staff to the right assignment to ensure the highest effective operation of the bank. The total number of staff in the year 2007 has doubled the number of the year 2006. ° Additionally, developing new products and services has always been the top-priority concern of Gia Dinh Bank. In 2007, the bank has, on one hand, improved its existing products and services, and on the other hand, developed new products and services, including Mobile Banking, Phone Banking, factoring, project lending, flexible promotion savings deposit, etc. to diversify its range of products and services and, ultimately, to best serve customers. Moreover, Gia Dinh Bank has been performing necessary procedures to join the card alliance system of its strategic shareholder, Vietcombank, and plans to issue “Gia Dinh Bank Card” in the year 2008. ° In 2007, Gia Dinh Bank has been approved by the State Bank to open branches in big cities in the North, South, West and West Highlands as well as to open some other transaction offices, which will help to realize the objective of expanding its operation network all over the country. 3.2 Controlling measures ° The risk management in banking operations has always been the top priority concern of the Management of Gia Dinh Bank. Therefore, the Risk management section, under the direct supervision of the General Director, has been established with the responsibilities of regularly monitoring and assessing the safety ratios in banking operations to give timely proposals where necessary to prevent and minimize risks for the bank. ° The authority to approve credit lines has been assigned to each manager of department, branches and transaction offices. However, depending on the scale and risk of each loan given, the related credit line will be considered and approved by the Credit committee. ° Gia Dinh Bank has always focussed on upgrading and improving its internal control and supervision system. On one hand, the Supervisory Board has actively developed its function and operation; on the other hand, the internal control and supervision department is mainly responsible for directly supervising and controlling the operations of all units in the network of Gia Dinh Bank. ° The Legal Section keeps updating, reviewing, amending and supplementing the regulations on operation and transaction procedures of the bank to ensure the appropriateness with the real situation, the safety in operation and the compliance with the prevailing legal regulations.

Gia Dinh Bank

PART III

REPORT OF THE GENERAL DIRECTOR 1. FINANCIAL POSITION 1.1 Profitability Items

Year 2005

Year 2006

Year 2007

Profit after tax/average chartered capital

18.03%

9.83%

24.14%

Return on equity (ROE)

15.21%

9.15%

23.05%

1.66%

1.52%

3.16%

Return on total assets (ROA)

1.2 Liquidity Items Current ratio (times) Ratio of short-term funds used for medium and long-term loans (%)

Year 2005

Year 2006

Year 2007

4.25

3.04

2.32

2/ BUSINESS PERFORMANCE

Gia Dinh Bank

4/ BUSINESS PLAN DEVELOPING IN THE FUTURE ° In the year 2007, Gia Dinh Bank has successfully performed the tasks assigned by the General Meeting of Shareholders. This has created a solid pre-condition for Gia Dinh Bank to continue moving forward under the motto of“ Safety, Efficiency, Sustainability”: high growth rate, maintaining its financial ratios at a highly safe level and keeping expansion of the operation scale and network. In 2008, the bank’s chartered capital is planned to increase to VND 1,000 billion, ensuring the legal capital requirement as stipulated by the State Bank of Vietnam. ° Beside upgrading and improving its existing products and services, Gia Dinh Bank will focus on developing new products and services by applying modern banking technology to further increase its fee-based income. At the same time, Gia Dinh Bank will continue implementing its marketing strategy, enhancing the promotion of its image and brand, bringing the name of Gia Dinh Bank closer and closer to customers inside and outside the country.

Profit before tax

101.032 VND million

Gia Dinh Bank

Ngaân haøng Thöông maïi Coå Gia phaànDinh GiaBank Ñònh

45 45

Profit before tax

101.032 VND million

Gia Dinh Bank

Ngaân haøng Thöông maïi Coå Gia phaànDinh GiaBank Ñònh

45 45

PART IV

FINANCIAL STATEMENTS BALANCE SHEET

Unit: VND million

Items

ASSETS

Cash on hand, gold and gemstone

II.

Deposits at the State Bank of Vietnam

III.

Gold and deposits at other credit organizations and loans given to other credit organizations

IV.

Trading securities

Provisions for devaluation of securities

VI.

Loans given to customers

1,049,078

520,728

Loans given to customers

1,051,172

521,006

Provisions for loan losses

(2,094)

(278)

VII.

Investment securities

19,350

Securities available for sale

19,250

Securities held to maturity dates

100

IX.

Fixed assets

40,566

6,184

Tangible fixed assets

23,609

1,203

VII.

Operating expenses Net operating income before loan loss provisions

Year 2007

Year 2006

6,980

7,257

49,651

19,021

727,865

131,184

For the fiscal year ended 31 December 2007 No.

Items

Interest income and similar income

84,564 92,158 (7,594)

110,481

62,182

Interest expenses and similar expenses

55,735

35,142

Net interest income

54,746

27,040

Fee and commission income

2,105

855

Fee and commission expenses

384

120

II.

Net fee and commission income

1,721

735

III.

Net gain/(loss) from foreign currency trading

(92)

205

IV.

Net gain from dealings of trading securities

4,362

949

Other activities income

90,761

53,048

Other activities expenses

(28,651)

(11,800)

VI.

Net gain from other activities

62,110

41,247

25,887

2,513

- Accumulated depreciation

(2,278)

(1,310)

Loan loss provisions

Intangible fixed assets

16,957

4,981

XI.

Total profit before tax

- Historical costs

17,010

5,009

Current corporate income tax

(53)

(28)

Deferred corporate income tax

Other Assets

58,361

80,149

Accounts receivable

45,563

73,702

Accrued interests and fees receivable

10,291

5,747

Other assets

2,507

700

2,036,415

783,873

TOTAL ASSETS B.

LIABILITIES AND OWNER'S EQUITY

Borrowings from the State Bank of Vietnam and Government

II.

Deposits and borrowings from other credit organizations

840,000

168,000

III.

Deposits from customers

417,162

332,188

VII.

Other liabilities

23,801

20,626

Accrued interests and fees payable

10,345

8,354

Accounts payable and other liabilities

13,456

12,272

Total liabilities

33,302

1,280,963

554,115

VIII.

Equity and funds

755,452

229,758

Equity of the credit organization

688,634

210,001

Chartered capital

444,623

210,000

Construction investment fund

Share premium

Funds of the credit organization

Retained earnings TOTAL LIABILITIES AND OWNER'S EQUITY

No.

Items

Commitments in transactions of L/C opening

Other guarantees

19,892

46,957

102,955

23,220

1,923

3,897

101,032

19,323

36,654

7,403

XII.

Corporate income tax

36,654

7,403

XIII.

Profit after tax

64,378

11,920

XV.

Earning per share - VND (Face value: VND 10,000/share)

2,457

Preparer Chief Accountant

Tran Thi Thu Trang

Ho Chi Minh City, 02 February 2008 Deputy General Director (Information discloser)

Nguyen Thi Phuong Thu

Pham Van Dat

244,010 2,439 64,378,

19,756

2,036,415

783,873

OFF-BALANCE SHEET ITEMS

Gia Dinh Bank

NaĂŞm 2006

- Historical costs

XI.

Unit: VND million

NaĂŞm 2007

IX.

- Accumulated amortization

INCOME STATEMENT

No.

Unit: VND million

Year 2007

Year 2006

1,401 354

Gia Dinh Bank

PART IV

FINANCIAL STATEMENTS BALANCE SHEET

Unit: VND million

Items

ASSETS

Cash on hand, gold and gemstone

II.

Deposits at the State Bank of Vietnam

III.

Gold and deposits at other credit organizations and loans given to other credit organizations

IV.

Trading securities

Provisions for devaluation of securities

VI.

Loans given to customers

1,049,078

520,728

Loans given to customers

1,051,172

521,006

Provisions for loan losses

(2,094)

(278)

VII.

Investment securities

19,350

Securities available for sale

19,250

Securities held to maturity dates

100

IX.

Fixed assets

40,566

6,184

Tangible fixed assets

23,609

1,203

VII.

Operating expenses Net operating income before loan loss provisions

Year 2007

Year 2006

6,980

7,257

49,651

19,021

727,865

131,184

For the fiscal year ended 31 December 2007 No.

Items

Interest income and similar income

84,564 92,158 (7,594)

110,481

62,182

Interest expenses and similar expenses

55,735

35,142

Net interest income

54,746

27,040

Fee and commission income

2,105

855

Fee and commission expenses

384

120

II.

Net fee and commission income

1,721

735

III.

Net gain/(loss) from foreign currency trading

(92)

205

IV.

Net gain from dealings of trading securities

4,362

949

Other activities income

90,761

53,048

Other activities expenses

(28,651)

(11,800)

VI.

Net gain from other activities

62,110

41,247

25,887

2,513

- Accumulated depreciation

(2,278)

(1,310)

Loan loss provisions

Intangible fixed assets

16,957

4,981

XI.

Total profit before tax

- Historical costs

17,010

5,009

Current corporate income tax

(53)

(28)

Deferred corporate income tax

Other Assets

58,361

80,149

Accounts receivable

45,563

73,702

Accrued interests and fees receivable

10,291

5,747

Other assets

2,507

700

2,036,415

783,873

TOTAL ASSETS B.

LIABILITIES AND OWNER'S EQUITY

Borrowings from the State Bank of Vietnam and Government

II.

Deposits and borrowings from other credit organizations

840,000

168,000

III.

Deposits from customers

417,162

332,188

VII.

Other liabilities

23,801

20,626

Accrued interests and fees payable

10,345

8,354

Accounts payable and other liabilities

13,456

12,272

Total liabilities

33,302

1,280,963

554,115

VIII.

Equity and funds

755,452

229,758

Equity of the credit organization

688,634

210,001

Chartered capital

444,623

210,000

Construction investment fund

Share premium

Funds of the credit organization

Retained earnings TOTAL LIABILITIES AND OWNER'S EQUITY

No.

Items

Commitments in transactions of L/C opening

Other guarantees

19,892

46,957

102,955

23,220

1,923

3,897

101,032

19,323

36,654

7,403

XII.

Corporate income tax

36,654

7,403

XIII.

Profit after tax

64,378

11,920

XV.

Earning per share - VND (Face value: VND 10,000/share)

2,457

Preparer Chief Accountant

Tran Thi Thu Trang

Ho Chi Minh City, 02 February 2008 Deputy General Director (Information discloser)

Nguyen Thi Phuong Thu

Pham Van Dat

244,010 2,439 64,378,

19,756

2,036,415

783,873

OFF-BALANCE SHEET ITEMS

Gia Dinh Bank

NaĂŞm 2006

- Historical costs

XI.

Unit: VND million

NaĂŞm 2007

IX.

- Accumulated amortization

INCOME STATEMENT

No.

Unit: VND million

Year 2007

Year 2006

1,401 354

Gia Dinh Bank

PART V

NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 1. INDEPENDENT AUDITOR’S REPORT

No.: 87/BCKT-AAC

Danang City, 27 February 2008

AUDITORS’ REPORT To: Board of Directors and Management Gia Dinh Commercial Joint Stock Bank We, Auditing and Accounting Co., Ltd, have audited the financial statements for the year ended 31 December 2007 of Gia Dinh Commercial Joint Stock Bank (“the Bank”) as set out on pages 4 to 27. These financial statements have been prepared in accordance with the Vietnamese Accounting System applicable to credit institutions issued under Decision No.16/2007/QD-NHNN dated 18/4/2007 of the Governor of the State Bank of Vietnam and other relevant regulations on Credit Banking presented in Item No.04 of Notes to the financial Statements. Respective responsibilities of Management and Auditors These financial statements are the responsibility of the Bank’s Management. Our responsibility is to express an independent opinion based on our audit. Basis of opinion We conducted our audit in accordance with the Vietnamese Auditing Standards. Accordingly, we planned and performed the audit to obtain reasonable assurance about whether the financial statements are free of any material misstatement. An audit includes examination, on a test basis, of evidences supporting the amounts and disclosures in the financial statements. The audit also includes assessing the accounting principles used and significant estimates made by the Bank’s Management, as well as evaluating the overall presentation of financial statement. We believe that our audit provides a reasonable basis for our opinion. Auditors’ opinion In our opinion, the financial statements present fairly, in all material respects, the financial position of the Bank as of 31 December 2007 and the results of its operations and its cash flows for the year then ended.

General Director

Auditor

Phan Xuan Van (CPA’s certificate No.D.0102/KTV)

Nguyen Thi Anh Nga (CPA’s certificate No.D.0809/KTV)

Gia Dinh Bank

2. INTERNAL AUDITOR’S REPORT On the basis of the figures in 2007 provided by the Accounting Department and audited by Auditing and Accounting Company Limited, the Supervisory Board has the following comments: - Regarding the business results: + Gross income: VND 215,783 billion, increasing by 84% against that of 2006. + Total expenses: VND 114,751 billion, increasing by 81% compared to those of 2006. + Profit after tax : VND 64,378 billion, increasing by 440% in comparison with that of 2006. - Regarding assets and liabilities: + Total assets: VND 2,036,415 billion, increasing by 160% compared to those of 2006. + Source of funds: Total amount of mobilized capital from inhabitants and organizations reached VND 1,257,161 billion, increasing by 136% compared to that of 2006. The chartered capital during the year has increased from VND 210 billion to VND 444.623 billion. - Use of funds: Total outstanding loans were VND 1,051,172 billion, in which short-term loans accounting for 72.3%, medium and long-term loans accounting for 27.7%. The proportion of bad debts was VND 4.6 billion, accounting for 0.44%, increasing by 0.06% in comparison with that of the same period in the previous year; especially, the bank did not have the loans classified in Group 5. The average outstanding loans were VND 716.870 billion, reaching 110.3% of the set plan and increasing by 71% compared to those of 2006. COMMENTS The year 2007 was an operation year of great challenges and difficulties. However, Gia Dinh Bank obtained very encouraging achievements thanks to the sharp guidance of the Board of Directors and the Board of Management along with the enduring efforts of all bank’s employees. In 2007, beside exceeding most of the planned targets, Gia Dinh Bank also implemented the increase of its chartered capital. Despite the fact that such an increase could not reach the planned amount ( VND 444.623 billion / VND 500 billion), such a move has affirmed the continual effort of Gia Dinh Bank in the process upgrading its financial capacity in order to expand the operation network, develop the IT system and the customer service system. All of these will help Gia Dinh Bank enhance its competitive ability and a solid foundation for the further development and international integration of Gia Dinh Bank in the period 2008-2010.

Gia Dinh Bank

PART V

NOTES TO THE FINANCIAL STATEMENTS AND AUDITOR’S REPORT 1. INDEPENDENT AUDITOR’S REPORT

No.: 87/BCKT-AAC

Danang City, 27 February 2008

General Director

Auditor

Phan Xuan Van (CPA’s certificate No.D.0102/KTV)

Nguyen Thi Anh Nga (CPA’s certificate No.D.0809/KTV)

Gia Dinh Bank

PART VI

ORGANIZATION AND HUMAN RESOURCE 1. ORGANIZATION STRUCTURE ORGANIZATION CHART OF GIA DINH BANK GENERAL MEETING OF SHAREHOLDERS

BOD SECRETARIAT

TRADING SECTION

AMINISTRATION AND ORGANIZATION DEPT.

INTERNAL CONTROL DEPT.

GENERAL MANAGEMENT DEPT.

BOARD OF DIRECTORS

SUPERVISORY BOARD

BOARD OF MANAGEMENT

INTERNAL AUDIT COMMITTEE

ACCOUNTING DEPT.

CASH DEPT.

SALES DEPT.

IT DEPT.

ASSET LEGAL VALUATION SECTION & MARKETING DEPT.

DA KAO TRANS. OFFICE TAN PHU TRANS. OFFICE

HOAN KIEM TRANS. OFFICE THANH XUAN TRANS. OFFICE CAU GIAY TRANS. OFFICE

HA NOI BRANCH

BACH DANG BRANCH

PHU THUAN TRANS. OFFICE PHU MY HUNG TRANS. OFFICE VUNG TAU TRANS. OFFICE

DONG DA TRANS. OFFICE

GO VAP TRANS. OFFICE

HAI BA TRUNG TRANS. OFFICE

BINH HOA TRANS. OFFICE THU DUC TRANS. OFFICE DA NANG CHI NHAÙNH BRANCH BAÏCH ÑAÈNG

HANG XANH BRANCH

BINH DUONG TRANS. OFFICE EXCHANGE NO. 1 DONG NAI TRANS. OFFICE

CAN THO BRANCH

SAI GON BRANCH

DISTRICT 5 TRANS. OFFICE LONG AN TRANS. OFFICE TAY NINH TRANS. OFFICE

BUON MA THUOT BRANCH

Gia Dinh Bank

PART VI

ORGANIZATION AND HUMAN RESOURCE 1. ORGANIZATION STRUCTURE ORGANIZATION CHART OF GIA DINH BANK GENERAL MEETING OF SHAREHOLDERS

BOD SECRETARIAT

TRADING SECTION

AMINISTRATION AND ORGANIZATION DEPT.

INTERNAL CONTROL DEPT.

GENERAL MANAGEMENT DEPT.

BOARD OF DIRECTORS

SUPERVISORY BOARD

BOARD OF MANAGEMENT

INTERNAL AUDIT COMMITTEE

ACCOUNTING DEPT.

CASH DEPT.

SALES DEPT.

IT DEPT.

ASSET LEGAL VALUATION SECTION & MARKETING DEPT.

DA KAO TRANS. OFFICE TAN PHU TRANS. OFFICE

HOAN KIEM TRANS. OFFICE THANH XUAN TRANS. OFFICE CAU GIAY TRANS. OFFICE

HA NOI BRANCH

BACH DANG BRANCH

PHU THUAN TRANS. OFFICE PHU MY HUNG TRANS. OFFICE VUNG TAU TRANS. OFFICE

DONG DA TRANS. OFFICE

GO VAP TRANS. OFFICE

HAI BA TRUNG TRANS. OFFICE

BINH HOA TRANS. OFFICE THU DUC TRANS. OFFICE DA NANG CHI NHAÙNH BRANCH BAÏCH ÑAÈNG

HANG XANH BRANCH

BINH DUONG TRANS. OFFICE EXCHANGE NO. 1 DONG NAI TRANS. OFFICE

CAN THO BRANCH

SAI GON BRANCH

DISTRICT 5 TRANS. OFFICE LONG AN TRANS. OFFICE TAY NINH TRANS. OFFICE

BUON MA THUOT BRANCH

Gia Dinh Bank

THE BOARD OF MANAGEMENT (BOM)

BOARD OF SUPERVISORY

Mr. NGUYEN VAN SE Chairman

Mr. TRAN KIEN BINH Chief Supervisor

Mr. PHAN SUM Member

Ms. NGUYEN THI MUOI Vice Chairman

Mr. NGUYEN THE HIEN Member

Ms. VU THI HONG Member

Ms. TRAN THI KIM ANH Deputy General Director

Mr. PHAM VAN DAT Deputy General Director

BOARD OF DIRECTORS

Ms. TRAN THI VIET THU Member

Mr. NGUYEN VAN TUAN Member

Mr. NGO QUANG TRUNG Member

Mr. NGUYEN VAN CUU Member

Ms. TRAN THI VIET THU General Director

Mr. PHAM VAN TAN Member

Mr. DINH NGOC CHAU Deputy General Director

Ms. NGUYEN THI PHUONG THU Chief Accountant

Gia Dinh Bank

THE BOARD OF MANAGEMENT (BOM)

BOARD OF SUPERVISORY

Mr. NGUYEN VAN SE Chairman

Mr. TRAN KIEN BINH Chief Supervisor

Mr. PHAN SUM Member

Ms. NGUYEN THI MUOI Vice Chairman

Mr. NGUYEN THE HIEN Member

Ms. VU THI HONG Member

Ms. TRAN THI KIM ANH Deputy General Director

Mr. PHAM VAN DAT Deputy General Director

BOARD OF DIRECTORS

Ms. TRAN THI VIET THU Member

Mr. NGUYEN VAN TUAN Member

Mr. NGO QUANG TRUNG Member

Mr. NGUYEN VAN CUU Member

Ms. TRAN THI VIET THU General Director

Mr. PHAM VAN TAN Member

Mr. DINH NGOC CHAU Deputy General Director

Ms. NGUYEN THI PHUONG THU Chief Accountant

Gia Dinh Bank

2. PROFILE OF THE MEMBERS OF THE BOARD OF MANAGEMENT (BOM) 1

Ms. TRAN THI VIET THU

General Director

Year of birth

1953

Education level

University

Professional degree

Doctor of Economics, Bachelor of Law

Mr. DINH NGOC CHAU

Deputy General Director

Year of birth

1960

Education level

College

Professional degree

College of Banking

Ms. TRAN THI KIM ANH

Deputy General Director

Year of birth

1951

Education level

University

Professional degree

Banking University

Mr. PHAM VAN DAT

Deputy General Director

Year of birth

1969

Education level

University

Professional degree

Da Nang Polytechnics University, Economic Sector, Banking Faculty

Ms. NGUYEN THI PHUONG THU

Chief Accountant

Year of birth

1968

Education level

University

Professional degree

University of Economics

6/ CHANGES OF THE MEMBERS OF THE BOARD OF DIRECTORS, SUPERVISORY BOARD, BOARD OF MANAGEMENT AND CHIEF ACCOUNTANT No

Full name

Positions

Changes

* Members of BOD 1

Le Khanh Hien

Member

Resigned from 15 January 2007

Tran Thi Kim Anh

Member

Resigned from 17 April 2007

Tran Thi Viet Thu

Member

Being appointed from 06 March 2007

Nguyen Van Tuan

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

Ngo Quang Trung

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

* Supervisory Board 1

Tran Kien Binh

Phan Sum

Chief Supervisor Member

Being appointed on 18 January 2007 Being appointed on 06 March 2007

Nguyen The Hien

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

* BOM Members 1

Tran Thi Kim Anh

Deputy General Director

Being appointed on 07 May 2007

* Chief Accountant (no change)

3/ CHANGE OF THE GENERAL DIRECTOR DURING THE YEAR No change. 4/ INTERESTS OF THE MEMBERS OF THE BOARD OF MANAGEMENT The salary, bonus and other benefits of the members of the Board of management are based on the regulations on salary and those on emulation and reward of Gia Dinh Bank. 5/ STAFF NUMBER AND POLICIES ON EMPLOYEES At the end of the year 2007, the total number of employees was 216 people, increasing by 102 people in comparison with that of 2006. Gia Dinh Bank, on one hand, has applied a step-by-step-modifying salary policy and paid great attention to a timely welfare and rewarding regulation for stabilizing the living of the employees and on the other hand, always carried out a right policy on recruiting, training, appointing to attract the qualified human resource to the bank. Moreover, Gia Dinh Bank has always attached great importance to create a favourable working environment where employees can find it a good and safe place to work for a long time with purpose to serving the mission of developing Gia Dinh Bank.

Gia Dinh Bank

2. PROFILE OF THE MEMBERS OF THE BOARD OF MANAGEMENT (BOM) 1

Ms. TRAN THI VIET THU

General Director

Year of birth

1953

Education level

University

Professional degree

Doctor of Economics, Bachelor of Law

Mr. DINH NGOC CHAU

Deputy General Director

Year of birth

1960

Education level

College

Professional degree

College of Banking

Ms. TRAN THI KIM ANH

Deputy General Director

Year of birth

1951

Education level

University

Professional degree

Banking University

Mr. PHAM VAN DAT

Deputy General Director

Year of birth

1969

Education level

University

Professional degree

Da Nang Polytechnics University, Economic Sector, Banking Faculty

Ms. NGUYEN THI PHUONG THU

Chief Accountant

Year of birth

1968

Education level

University

Professional degree

University of Economics

6/ CHANGES OF THE MEMBERS OF THE BOARD OF DIRECTORS, SUPERVISORY BOARD, BOARD OF MANAGEMENT AND CHIEF ACCOUNTANT No

Full name

Positions

Changes

* Members of BOD 1

Le Khanh Hien

Member

Resigned from 15 January 2007

Tran Thi Kim Anh

Member

Resigned from 17 April 2007

Tran Thi Viet Thu

Member

Being appointed from 06 March 2007

Nguyen Van Tuan

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

Ngo Quang Trung

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

* Supervisory Board 1

Tran Kien Binh

Phan Sum

Chief Supervisor Member

Being appointed on 18 January 2007 Being appointed on 06 March 2007

Nguyen The Hien

Member

Being additionally elected by the General Meeting of Shareholders on 29 December 2007

* BOM Members 1

Tran Thi Kim Anh

Deputy General Director

Being appointed on 07 May 2007

* Chief Accountant (no change)

Gia Dinh Bank

PART VII INFORMATION ON SHAREHOLDERS AND BANK MANAGEMENT 1. THE BOARD OF DIRECTORS AND SUPERVISORY BOARD 1.1 Members and structure of the Board of Directors (BOD) At present, the bank’s BOD has 07 members (including 01 Chairman, 01 Vice Chairman and 05 Members), of which 06 are independent members – non-executive directors. 1

Mr. NGUYEN VAN SE Year of birth Education level Professional degree Ms. NGUYEN THI MUOI Year of birth Education level Professional degree Ms. TRAN THI VIET THU Year of birth Education level Professional degree Mr. PHAM VAN TAN Year of birth Education level Professional degree Mr. NGUYEN VAN CUU Year of birth Education level Professional degree Mr. NGUYEN VAN TUAN Year of birth Education level Professional degree

Mr. NGO QUANG TRUNG Year of birth Education level Professional degree

Chairman 1950 University Banking University, Foreign Language University Vice Chairman 1950 University University of Finance Member 1953 University Doctor of Economics, University of Law Member 1960 University University of Economics Member 1972 University University of Economics , University of Law Member 1973 University University of Foreign Languages, MA of Libre De Bruxelles University (Belgium) Member 1969 University University of Economics , MA of New South Wales University (Australia)

1.2 Members and structure of the Supervisory Board Now, the Supervisory Board of Gia Dinh Bank has 04 members (including 01 Chief Supervisor and 03 members), of which 02 are independent members (non-executive officers) 1

Mr. TRAN KIEN BINH Year of birth Education level Professional degree Mr. PHAN SUM Year of birth Education level Professional degree Mr. NGUYEN THE HIEN Year of birth Education level Professional degree Ms. VU THI HONG Year of birth Education level Professional degree

Chief Supervisor 1954 University University of Economics Member 1951 University University of Economics Member 1971 University University of Economics Member 1947 University Banking University

1.3 Operation of the Board of Directors and the Supervisory Board The operations of the Board of Directors and the Supervisory Board of Gia Dinh Bank are based on the following regulations: - Corporate Law passed by the National Assembly on 29 November 2005; - Regulations on organization and operation of the Board of Directors, the Supervisory Board and the General Director of commercial joint stock banks owned by the State and people, issued together with the Decision No. 1087/2001/QÑ-NHNN dated 27 August 2001 of the Governor of the State Bank; - Charter of Gia Dinh Bank; And the following regulations of Gia Dinh Bank: - Decision No. 35/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of regulations on organization and operation of the Board of Directors. - Decision No. 36/GDB-HÑQT dated 25 June 2002 of the Chairman of the BOD of Gia Dinh Bank on issuance of regulations on organization and operation of the Supervisory Board. 1.4 Operation of subcommittees under Board of Directors The Secretariat of the Board of Directors was established, organized and operated according to Decision No. 102/ GDB-HÑQT dated 10 October 2006 of the BOD Chairman. The organization structure and operation of the BOD Secretariat are as follows: 1. Head of BOD Secretariat 2. Officer in charge of shareholder management and share transfer. 3. Legal officer 1.5 Plan to enhance the efficiency in banking management In general, in 2007, the bank’s Board of Directors has had a lot of effective and efficient results. The Board’s regular meeting has been held before 15th day of every month; and in case of occurring any important events, the Board of Directors has held irregular meetings to discuss and give out solutions to the incurred issues. Besides, the Board of Directors has also given effective and close guidance to the Board of Management on activities relating to banking management, business operations and issuing shares to increase its chartered capital…. 1.6 Remuneration, other benefits and expenses used for the members of the Board of Directors and the Supervisory Board Gia Dinh Bank has stipulated the remuneration level used for the members of the Board of Directors and the Supervisory Board, based on the following regulations: - Article 117 and Article 125 of the Corporate Law passed by the National Assembly on 29 November 2005; - Charter of Gia Dinh Bank; - Resolution of the annual General Meeting of Shareholders in 2006.

Gia Dinh Bank

Mr. NGO QUANG TRUNG Year of birth Education level Professional degree

Chief Supervisor 1954 University University of Economics Member 1951 University University of Economics Member 1971 University University of Economics Member 1947 University Banking University

Gia Dinh Bank

1.7 Members of the Board of Directors, Supervisory Board, Board of Management already having a certificate of business administration training 1. Mr. Nguyen Van Tuan: MBA granted by Libre De Bruxelles University (Belgium) on 25 January 1999 2. Mr. Ngo Quang Trung: MA specializing on Financial Source Management granted by New South Wales University (Australia) on 27 October 2000. 3. Mr. Phan Sum: Certificate on completing the course of Economic Policies on Banking Management. 4. Ms. Tran Thi Viet Thu: Certificate on completing the course on Banking Management granted by Nanyang Technological University-Singapore in 1997 and Certificate on completing the course of System Management granted by ATTF Luxembourg in 2005. 5. Ms. Tran Thi Kim Anh: Certificate on CEO training granted by PACE on 04 October 2007.

Nguyen Van Se

Position

Individuals

Rep of organizationâ&#x20AC;&#x2122;s capial

Total

Rate (%)

Full name

Closing list on 31 December 2006 Number of shares

Closing list on 31 December 2007

Notes

Rate (%)

Number of shares

Rate (%)

69,600

0.331

189,900

0.427

Natural person

505,900

2.409

758,800

1.707

Representative of legal entity

297,800

1.418

96,300

0.217

Natural person

2,150,000

10.238

3,225,000

7.253

Representative of legal entity

1,755,400

8.359

2,661,600

5.986

Natural person

192,200

0.915

532,500

1.198

Natural person

505,900

2.409

200,000

0.449

Representative of legal entity

381,700

0.858

Natural person

1. Board of Directors

Number of shares Full name

No.

1.8 Shareholding rate and changes in shareholding rate of BOD members

No.

1.9 Information on stock transactions/capital contribution transfer of the bank of the BOD members, the Supervisory Board, the BOM, major shareholders and other related individuals

Nguyen Van Se

Nguyen Thi Muoi

Nguyen Van Cuu

Pham Van Tan

Chairman

189,900

758,800

948,700

2.134

Nguyen Thi Muoi

Vice Chairman

96,300

3,225,000

3,321,300

7.470

Tran Thi Viet Thu

101,800

0.485

Nguyen Van Cuu

Member

2,661,600

5.986

Nguyen Van Tuan

6,500,000

14.619

Pham Van Tan

Member

532,500

200,000

732,500

1.647

Representative of legal entity

Tran Thi Viet Thu

Member

381,700

0.858

Ngo Quang Trung

6,500,000

14.619

Representative of legal entity

Nguyen Van Tuan

Member

6,500,000

14.619

Ngo Quang Trung

Member

6,500,000

14.619

2. Supervisory Board 1

Tran Kien Binh

35,700

0.17

50,800

0.114

Natural person

Vu Thi Hong

17,100

0.081

22,800

0.051

Natural person

Phan Sum

5,100

0.024

12,400

0.028

Natural person

Nguyen The Hien

338,700

0.762

Representative of legal entity

3. Board of Management 1

Tran Thi Viet Thu

101,800

0.485

381,700

0.858

General Director

Dinh Ngoc Chau

40,700

0.194

59,200

0.133

Deputy General Director

Pham Van Dat

20,500

0.098

44,800

0.101

Deputy General Director

Tran T.Kim Anh

22,800

0.109

28,500

0.064

Deputy General Director

4. Major shareholders (holding over 5% of share capital)

Gia Dinh Bank

Saigon Bank

2,150,000

10.238

3,225,000

7.253

Legal entity

Nguyen Van Cuu

1,755,400

8.359

2,661,600

5.986

Natural person

Tran Thi Lam

1,745,300

8.311

3,270,900

7.357

Natural person

Vietcombank

758,800

3.613

4,890,853

11.000

Legal entity

VCBF

8,447,847

19.000

Legal entity

Gia Dinh Bank

Nguyen Van Se

Position

Individuals

Rep of organizationâ&#x20AC;&#x2122;s capial

Total

Rate (%)

Full name

Closing list on 31 December 2006 Number of shares

Closing list on 31 December 2007

Notes

Rate (%)

Number of shares

Rate (%)

69,600

0.331

189,900

0.427

Natural person

505,900

2.409

758,800

1.707

Representative of legal entity

297,800

1.418

96,300

0.217

Natural person

2,150,000

10.238

3,225,000

7.253

Representative of legal entity

1,755,400

8.359

2,661,600

5.986

Natural person

192,200

0.915

532,500

1.198

Natural person

505,900

2.409

200,000

0.449

Representative of legal entity

381,700

0.858

Natural person

1. Board of Directors

Number of shares Full name

No.

1.8 Shareholding rate and changes in shareholding rate of BOD members

No.

1.9 Information on stock transactions/capital contribution transfer of the bank of the BOD members, the Supervisory Board, the BOM, major shareholders and other related individuals

Nguyen Van Se

Nguyen Thi Muoi

Nguyen Van Cuu

Pham Van Tan

Chairman

189,900

758,800

948,700

2.134

Nguyen Thi Muoi

Vice Chairman

96,300

3,225,000

3,321,300

7.470

Tran Thi Viet Thu

101,800

0.485

Nguyen Van Cuu

Member

2,661,600

5.986

Nguyen Van Tuan

6,500,000

14.619

Pham Van Tan

Member

532,500

200,000

732,500

1.647

Representative of legal entity

Tran Thi Viet Thu

Member

381,700

0.858

Ngo Quang Trung

6,500,000

14.619

Representative of legal entity

Nguyen Van Tuan

Member

6,500,000

14.619

Ngo Quang Trung

Member

6,500,000

14.619

2. Supervisory Board 1

Tran Kien Binh

35,700

0.17

50,800

0.114

Natural person

Vu Thi Hong

17,100

0.081

22,800

0.051

Natural person

Phan Sum

5,100

0.024

12,400

0.028

Natural person

Nguyen The Hien

338,700

0.762

Representative of legal entity

3. Board of Management 1

Tran Thi Viet Thu

101,800

0.485

381,700

0.858

General Director

Dinh Ngoc Chau

40,700

0.194

59,200

0.133

Deputy General Director

Pham Van Dat

20,500

0.098

44,800

0.101

Deputy General Director

Tran T.Kim Anh

22,800

0.109

28,500

0.064

Deputy General Director

4. Major shareholders (holding over 5% of share capital)

Gia Dinh Bank

Saigon Bank

2,150,000

10.238

3,225,000

7.253

Legal entity

Nguyen Van Cuu

1,755,400

8.359

2,661,600

5.986

Natural person

Tran Thi Lam

1,745,300

8.311

3,270,900

7.357

Natural person

Vietcombank

758,800

3.613

4,890,853

11.000

Legal entity

VCBF

8,447,847

19.000

Legal entity

Gia Dinh Bank

2. STATISTICS DATA ON SHAREHOLDERS 2.1 Local shareholders Number of shareholders

Number of shares

Shareholding Rate (%)

20,278,800

45.61

Natural person

571

24,183,500

54.39

Total

585

44,462,300

100.00

Shareholders Legal entity

* Detailed information on each major shareholder (holding over 5% of share capital) No.

Full name

Contact address

Operating field

Number of shares

Shareholding Rate (%)

Saigon Bank

2C Pho Duc Chinh Street, District 1, HCMC

Banking

3,225,000

7.253

Nguyen Van Cuu

250 To Hien Thanh Street, District 10, HCMC

Trading

2,661,600

5.986

Tran Thi Lam

41 Nguyen Thong Street, District 3, HCMC

Trading

3,270,900

7.357

Vietcombank

198 Tran Quang Khai Street, Ha Noi

Banking

4,890,853

11.000

VCBF

198 Tran Quang Khai Street, Ha Noi

Securities

8,447,847

19.000

2.2 Foreign shareholders: According to the list of shareholders closed on 31 December 2007, Gia Dinh Bank has no foreign shareholders.

Gia Dinh Bank

2. STATISTICS DATA ON SHAREHOLDERS 2.1 Local shareholders Number of shareholders

Number of shares

Shareholding Rate (%)

20,278,800

45.61

Natural person

571

24,183,500

54.39

Total

585

44,462,300

100.00

Shareholders Legal entity

* Detailed information on each major shareholder (holding over 5% of share capital) No.

Full name

Contact address

Operating field

Number of shares

Shareholding Rate (%)

Saigon Bank

2C Pho Duc Chinh Street, District 1, HCMC

Banking

3,225,000

7.253

Nguyen Van Cuu

250 To Hien Thanh Street, District 10, HCMC

Trading

2,661,600

5.986

Tran Thi Lam

41 Nguyen Thong Street, District 3, HCMC

Trading

3,270,900

7.357

Vietcombank

198 Tran Quang Khai Street, Ha Noi

Banking

4,890,853

11.000

VCBF

198 Tran Quang Khai Street, Ha Noi

Securities

8,447,847

19.000

2.2 Foreign shareholders: According to the list of shareholders closed on 31 December 2007, Gia Dinh Bank has no foreign shareholders.

Gia Dinh Bank

OPERATION NETWORK (AS OF MARCH 2008) HEAD OFFICE

HO CHI MINH CITY

135 Phan Dang Luu, Phu Nhuan District, Ho Chi Minh City Tel. (08) 9956001/ 02 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn Bach Dang branch Hang Xanh branch Saigon branch Binh Hoa transaction office Thu Duc transaction office Tan Phu transaction office Da Kao transaction office Exchange No. 01

HA NOI CITY Ha Noi branch Hoan Kiem transaction office Thanh Xuan transaction office Cau Giay transaction office Hai Ba Trung transaction office Dong Da transaction office

DA NANG CITY CAN THO CITY

473C Bach Dang Street, Binh Thanh District Tel. (08) 8412146 Fax: (08) 8413656 68 Bach Dang Street, Binh Thanh District Tel. (08) 8991567 Fax: (08) 8995441 119 Nguyen Thai Hoc Street, District 1 Tel. (08) 8385550 Fax: (08) 8385553 187 Nguyen Van Dau Street, Binh Thanh District Tel./ Fax: (08) 8411367 42 Le Van Ninh Street, Thu Duc District Tel./ Fax: (08) 8966081 430 Luy Ban Bich Street, Tan Phu District Tel. (08) 4067295 Fax: (08) 4067296 66 Tran Quang Khai Street, District 1 Tel. (08) 8483591 Fax: (08) 8483592 01 Hoa Binh Street, Thu Duc District Tel./ Fax: (08) 7225536 55 Dao Tan Street, Ba Dinh District Tel. (04) 7667336 Fax: (04) 7667335 24B Ton Dang Street, Hoan Kiem District Tel. (04) 9366677 Fax: (04) 9367596 96 Nguyen Trai Street, Thanh Xuan District Tel. (04) 5543869 Fax: (04) 5543785 25 Nguyen Phong Sac Street, Cau Giay District Tel. (04) 7549828 Fax: (04) 7549818 107 Tran Dai Nghia Street, Bach Khoa ward, Hai Ba Trung District 39A De La Thanh Street (Kim Lien street) Dong da District Tel. (04) 5738203 . Fax: (04) 5738194

Da Nang branch

386 Hoang Dieu Street, Hai Chau District Tel. (0511) 3584600 Fax: (0511) 3584601

Can Tho branch

135Y-135H Tran Hung Dao Street, Ninh Kieu District Tel. (0710) 733740 Fax: (0710) 733745

Buon Ma Thuot branch

186 Le Duan Street, Buon Ma Thuot City Tel. (0500) 843192 Fax: (0500) 843193

DAKLAK PROVINCE Transaction offices operate in the early 2008: HO CHI MINH CITY

IN SOUTH- EAST AREA

District 5 transaction office Phu My Hung transaction office Phu Thuan transaction office Go Vap transaction office

136 Nguyen Tri Phuong Street, District 5 SD-06, Lot H25-2, My Duc Quarter, District 7 1 Lot G, Quarter 1, Nguyen Van Quy, District 7 296 Nguyen Van Nghi Street, Go Vap District

Binh Duong transaction office

16-17 Lot, C2, Ruby Land Village, My Phuoc II, Ben Cat District, Binh Duong Province

Vung Tau Transaction office Dong Nai Transaction office

9Q Luong The Vinh Street, Vung Tau City A 4/443 Bui Huu Nghia, Tan Van Ward, Bien Hoa City, Dong Nai Province

Tay Ninh transation office

A11 Business quarter, 30-4 Street quarter 1, ward 3, Tay Ninh Town

Long An Transaction office

13-15 Road No. 5B, Tan An Town, Long An Province

IN SOUTH - WEST AREA

Gia Dinh Bank

The inauguration ceremony of new Head Office Gia Dinh Bank

The Opening of Hoan Kiem Transaction Office - Haø Noäi

Giadinh Bank - Da Nang branch

The Opening of Thanh Xuan Transaction Office - Haø Noäi

Gia Dinh Bank

OPERATION NETWORK (AS OF MARCH 2008) HEAD OFFICE

HO CHI MINH CITY

HA NOI CITY Ha Noi branch Hoan Kiem transaction office Thanh Xuan transaction office Cau Giay transaction office Hai Ba Trung transaction office Dong Da transaction office

DA NANG CITY CAN THO CITY

Da Nang branch

386 Hoang Dieu Street, Hai Chau District Tel. (0511) 3584600 Fax: (0511) 3584601

Can Tho branch

135Y-135H Tran Hung Dao Street, Ninh Kieu District Tel. (0710) 733740 Fax: (0710) 733745

Buon Ma Thuot branch

186 Le Duan Street, Buon Ma Thuot City Tel. (0500) 843192 Fax: (0500) 843193

DAKLAK PROVINCE Transaction offices operate in the early 2008: HO CHI MINH CITY

IN SOUTH- EAST AREA

District 5 transaction office Phu My Hung transaction office Phu Thuan transaction office Go Vap transaction office

136 Nguyen Tri Phuong Street, District 5 SD-06, Lot H25-2, My Duc Quarter, District 7 1 Lot G, Quarter 1, Nguyen Van Quy, District 7 296 Nguyen Van Nghi Street, Go Vap District

Binh Duong transaction office

16-17 Lot, C2, Ruby Land Village, My Phuoc II, Ben Cat District, Binh Duong Province

Vung Tau Transaction office Dong Nai Transaction office

9Q Luong The Vinh Street, Vung Tau City A 4/443 Bui Huu Nghia, Tan Van Ward, Bien Hoa City, Dong Nai Province

Tay Ninh transation office

A11 Business quarter, 30-4 Street quarter 1, ward 3, Tay Ninh Town

Long An Transaction office

13-15 Road No. 5B, Tan An Town, Long An Province

IN SOUTH - WEST AREA

Gia Dinh Bank

The inauguration ceremony of new Head Office Gia Dinh Bank

The Opening of Hoan Kiem Transaction Office - Haø Noäi

Giadinh Bank - Da Nang branch

The Opening of Thanh Xuan Transaction Office - Haø Noäi

Gia Dinh Bank

135 Phan Ñaêng Löu, Phöôøng 2, Quaän Phuù Nhuaän, Thaønh phoáù Hoà Chí Minh, Vieät Nam. Ñieän thoai: (08) 9956001 Fax: (08) 9956003 Email: giadinhbank@hcm.fpt.vn Website: www.giadinhbank.com.vn