NamA_Annual2007 by Phan Thanh

BAÙO CAÙO THÖÔØNG NIEÂN Annual Report

2007 Baùo caùo thöôøng nieân 2007

06. 10. 14. 18. 24. 30. 32. 42. 44. 70.

Thoâng ñieäp cuûa Chuû tòch HÑQT Giôùi thieäu Ngaân haøng Nam AÙ Nhöõng söï kieän noåi baät trong naêm 2007 Giôùi thieäu Ban laõnh ñaïo Sô ñoà toå chöùc Baùo caùo cuûa Toång giaùm ñoác Toång quan tình hình taøi chính 2007 Ñònh höôùng phaùt trieån naêm 2007 Baùo caùo taøi chính naêm 2007 Baùo caùo kieåm toaùn

74. 78. 84. 86. 94. 96. 104. 106. 132. 134.

Message from the Chairman Overview of Nam A Bank Highlighted events in 2007 The Board of Directors General Director’s Report Financial Overview 2007 Development Orientations for 2007 Financial Statement 2007 Auditor's Report Branch Network 2007

Baùo caùo thöôøng nieân 2007

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

Baùo caùo thöôøng nieân 2007

Thoâng ñieäp cuûa Chuû Tòch HÑQT

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

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

Trong boái caûnh kinh teá soâi ñoäng ñoù, naêm 2007 Ngaân haøng Nam AÙ cuõng ñaït ñöôïc nhieàu thaønh töïu ñaùng khích leä, cuï theå: * Voán ñieàu leä ñaït 575.925 trieäu ñoàng, taêng 4,71% so vôùi naêm 2006.

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

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

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

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

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

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

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

* Tieáp tuïc boå sung voán ñieàu leä ñeán cuoái naêm 2008 ñaït 2.000 tyû ñoàng döôùi hình thöùc phaùt haønh coå phieáu môùi. * Ñieàu chænh cô caáu toå chöùc phuø hôïp vôùi nhu caàu phaùt trieån naêm 2008. * Tuyeån duïng, ñaøo taïo CBNV ñuû tieâu chuaån.

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

OÂng Nguyeãn Quoác Myõ Chuû tòch Hoäi Ñoàng Quaûn Trò

Baùo caùo thöôøng nieân 2007

Voán ñieàu leä

575

ñaït

Baùo caùo thöôøng nieân 2007

tyû ñoàng

Baùo caùo thöôøng nieân 2007

Quaù trình hình thaønh vaø phaùt trieån

Ngaân haøng TMCP Nam AÙ chính thöùc hoaït ñoäng töø ngaøy 21/10/1992 theo Quyeát ñònh soá 0026/NHGP ngaøy 22/08/1992 cuûa Ngaân haøng Nhaø nöôùc Vieät Nam treân cô sôû hôïp nhaát cuûa 3 Hôïp taùc xaõ tín duïng An Ñoâng, Thò Ngheø vaø Taân Ñònh. Khôûi ñaàu chæ vôùi soá voán ñieàu leä 5 tyû ñoàng cuøng 50 caùn boä coâng nhaân vieân, maïng löôùi ban ñaàu hoaït ñoäng chuû yeáu ôû caùc quaän ven, phaïm vi kinh doanh ñôn ñieäu. Sau 15 naêm hoaït ñoäng, Ngaân haøng Nam AÙ ñaõ coù nhöõng thay ñoåi raát lôùn vaø ñaõ coù nhöõng thaønh tích ñaùng khích leä. Trong voøng 5 naêm trôû laïi ñaây, toác ñoä taêng tröôûng cuûa Ngaân haøng Nam AÙ luoân ñaït möùc cao, cuï theå laø lôïi nhuaän sau thueá naêm 2007 taêng 92,07% so vôùi naêm 2006. Phaân phoái coå töùc naêm 2007 ñaït 10,15%. Maïng löôùi chi nhaùnh phaùt trieån roäng khaép, ñeán nay Ngaân haøng Nam AÙ ñaõ coù 45 ñòa ñieåm giao dòch treân toaøn quoác. Voán ñieàu leä taêng gaáp 115 laàn, cuï theå laø töø 5 tyû ñoàng ban ñaàu ñeán 31/12/2007 ñaõ ñaït möùc 575 tyû ñoàng, soá löôïng caùn boä nhaân vieân taêng gaáp 16 laàn so vôùi naêm 1992.

Hoaït ñoäng kinh doanh chính thöùc Thò tröôøng hoaït ñoäng

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

Tính ñeán cuoái naêm 2007, maïng löôùi hoaït ñoäng bao goàm 45 ñieåm giao dòch goàm 1 Hoäi sôû, 15 Chi nhaùnh, 29 Phoøng giao dòch taïi caùc vuøng kinh teá troïng ñieåm, 01 Coâng ty Quaûn lyù nôï vaø khai thaùc taøi saûn tröïc thuoäc Ngaân haøng Nam AÙ. Saûn phaåm dòch vuï cuûa Ngaân haøng Nam AÙ töông ñoái ña daïng vaø khoâng ngöøng ñöôïc caûi tieán veà chaát löôïng, höôùng ñeán laø moät Ngaân haøng ñieän töû ña naêng vôùi caùc saûn phaåm dòch vuï hieän ñaïi nhö: a. Saûn phaåm tieàn göûi goàm: · Tieàn göûi thanh toaùn. · Tieàn göûi tieát kieäm. b. Saûn phaåm tín duïng goàm: · Cho vay boå sung voán löu ñoäng. · Cho vay thöïc hieän döï aùn ñaàu tö. · Cho vay hôïp voán. · Cho vay theo haïn möùc thaáu chi. · Cho vay taøi trôï xuaát, nhaäp khaåu. · Cho vay tieâu duøng. · Cho vay caàm coá, chieát khaáu soå tieát kieäm, chöùng töø coù giaù. · Cho vay du hoïc. · Cho vay hôïp taùc lao ñoäng. · Cho vay trong khuoân khoå “Döï AÙn Taøi Chính Noâng Thoân 2” (RDF II) c. Dòch vuï baûo laõnh goàm: · Baûo laõnh vay voán. · Baûo laõnh thanh toaùn. · Baûo laõnh döï thaàu. · Baûo laõnh thöïc hieän hôïp ñoàng. · Baûo laõnh baûo ñaûm chaát löôïng saûn phaåm. · Baûo laõnh hoaøn traû tieàn öùng tröôùc. · Baûo laõnh ñoái öùng. · Xaùc nhaän baûo laõnh. · Caùc loaïi baûo laõnh khaùc phaùp luaät khoâng caám vaø phuø hôïp vôùi thoâng leä quoác teá.

Baùo caùo thöôøng nieân 2007

d. Dòch vuï chuyeån tieàn: · Chuyeån tieàn trong nöôùc. · Chuyeån tieàn nöôùc ngoaøi. · Dòch vuï nhaän tieàn. · Dòch vuï nhaän tieàn nhanh Western Union. e. Dòch vuï thanh toaùn quoác teá : · Thöïc hieän môû, tu chænh, thanh toaùn, thoâng baùo tín duïng thö. · Nhaän, gôûi, thanh toaùn theo phöông thöùc nhôø thu (DP, DA). f. Dòch vuï kinh doanh ngoaïi teä: · Giao dòch giao ngay (spot). · Giao dòch coù kyø haïn (forward). g. Dòch vuï Ngaân quyõ : · Chi hoä löông. · Caát giöõ hoä chöùng töø coù giaù, tieàn, kim loaïi. · Kieåm vaø ñeám hoä VND, USD, vaøng. · Thu chi tieàn maët taïi nôi khaùch haøng yeâu caàu. · Vaän chuyeån tieàn theo yeâu caàu cuûa khaùch haøng trong ñòa baøn TP. Hoà Chí Minh. h. Caùc dòch vuï khaùc: · Xaùc nhaän soá dö. · Thanh toaùn theû quoác teá (Master Card, Visa Card). · Tieáp nhaän caùc DN laøm ñaïi lyù thu ñoåi ngoaïi teä cho Ngaân haøng Nam AÙ.

Beân caïnh caùc hoaït ñoäng kinh doanh truyeàn thoáng, Ngaân haøng Nam AÙ ñaõ tieán haønh hoaït ñoäng ñaàu tö taøi chính, ñaàu tö thöông maïi thoâng qua vieäc ñaàu tö vaøo caùc doanh nghieäp, quyõ ñaàu tö, ñaàu tö döï aùn, ñaàu tö vaøo caùc TCTD khaùc döôùi hình thöùc goùp voán ñaàu tö, lieân doanh, lieân keát, mua baùn chöùng khoaùn. Nhöõng naêm gaàn ñaây, Ngaân haøng Nam AÙ ñöôïc bieát ñeán nhö laø moät trong nhöõng Ngaân haøng thöông maïi coå phaàn phaùt trieån oån ñònh vaø beàn vöõng, ñöôïc Ngaân haøng Nhaø nöôùc ñaùnh giaù xeáp loaïi A trong nhieàu naêm lieàn. Naêm 2007, Ngaân haøng coøn nhaän ñöôïc giaáy chöùng nhaän “Nhaõn hieäu noåi tieáng Quoác gia” do Hoäi sôû höõu Trí tueä Vieät Nam trao taëng, laø “Moät trong 500 doanh nghieäp lôùn nhaát Vieät Nam” do baûng xeáp haïng Top 500 doanh nghieäp lôùn nhaát Vieät Nam (VNR500) coâng boá, ñaït danh hieäu “Thöông hieäu vaøng” do Hieäp hoäi choáng haøng giaû vaø baûo veä thöông hieäu Vieät Nam trao taëng, danh hieäu “Top Trade Services” do Boä Coâng Thöông trao taëng. Ngaân haøng Nam AÙ coøn vinh döï ñoùn nhaän baèng khen cuûa Thuû Töôùng Chính phuû, baèng khen cuûa UBND TP. HCM nhaân dòp kyû nieäm 15 naêm thaønh laäp.

Lónh vöïc hoaït ñoäng khaùc Vò theá cuûa Ngaân haøng Nam AÙ

Vôùi nhaän thöùc raèng moät trong nhöõng lyù do chuû choát taïo neân thaønh coâng cho moät Ngaân haøng chính laø nieàm tin yeâu cuûa khaùch haøng, Ngaân haøng Nam AÙ ñaõ noã löïc phaán ñaáu, khoâng ngöøng nghieân cöùu vaø thöïc hieän nhieàu chính saùch ñoåi môùi veà nhaân söï, hieän ñaïi hoùa coâng ngheä thoâng tin, cuûng coá vaø môû roäng maïng löôùi hoaït ñoäng, lieân doanh - lieân keát vôùi caùc ñoái taùc nöôùc ngoaøi, ña daïng hoùa vaø naâng cao chaát löôïng dòch vuï. Thöïc hieän nhöõng ñieàu naøy, Ngaân haøng Nam AÙ mong muoán mang laïi lôïi ích cao nhaát cho khaùch haøng söû duïng caùc saûn phaåm - dòch vuï taøi chính do Ngaân haøng cung caáp. Söï tín nhieäm cuûa khaùch haøng theå hieän roõ qua keát quaû huy ñoäng vaø cho vay taêng tröôûng qua caùc naêm, cuï theå laø naêm 2007 huy ñoäng töø thò tröôøng 1 taêng 48,39% , dö nôï cho vay taêng 31,8% so vôùi naêm 2006. Khoâng chæ nhaän ñöôïc söï tin yeâu cuûa khaùch haøng maø ñoái vôùi caùc Ngaân haøng baïn, Ngaân haøng Nam AÙ ñaõ taïo döïng ñöôïc söï tin caäy vaø toác ñoä gia taêng nguoàn voán huy ñoäng töø thò tröôøng lieân ngaân haøng naêm 2007 (taêng 32,4% so vôùi naêm 2006). Veà quan heä quoác teá, Ngaân haøng Nam AÙ luoân thöïc hieän ñaày ñuû caùc cam keát. Vì vaäy, Ngaân haøng Nam AÙ ñaõ laø moät thöông hieäu quen thuoäc, uy tín treân thò tröôøng quoác teá vaø laø ñôn vò ñaïi dieän thanh toaùn tin caäy cho caùc DN Vieät Nam. Ñieàu naøy theå hieän qua soá lieäu veà doanh soá thanh toaùn quoác teá luoân taêng qua caùc naêm, cuï theå naêm 2007 doanh soá xuaát nhaäp khaåu ñaït 67,61 trieäu USD, taêng 73,64% so vôùi naêm 2006. Cuøng vôùi söï phaùt trieån chung cuûa neàn kinh teá, Ngaân haøng Nam AÙ ñang noã löïc xaây döïng vaø thöïc hieän nhöõng chieán löôïc, chieán thuaät nhaèm taïo ra nhöõng böôùc ñoät phaù, khaúng ñònh vò theá cuûa mình treân thò tröôøng trong nöôùc vaø quoác teá. · Vôùi naêng löïc taøi chính thuoäc loaïi baäc trung trong nhoùm caùc Ngaân haøng thöông maïi coå phaàn ñoâ thò, cho pheùp Ngaân haøng Nam AÙ giöõ vöõng vaø naâng cao heä soá an toaøn voán, taêng khaû naêng ñaùp öùng nhu caàu voán cuûa khaùch haøng; ñoàng thôøi taïo ñieàu kieän thuaän lôïi cho Ngaân haøng Nam AÙ trong vieäc ñaàu tö phaùt trieån heä thoáng coâng ngheä thoâng tin vaø maïng löôùi hoaït ñoäng. · Veà maïng löôùi hoaït ñoäng, Ngaân haøng Nam AÙ coù maïng löôùi hoaït ñoäng ôû nhieàu ñòa ñieåm trong thaønh phoá HCM cuõng nhö caùc ñòa phöông khaùc treân toaøn quoác. Ñieàu naøy taïo ñieàu kieän thuaän lôïi cho Ngaân haøng Nam AÙ trong vieäc môû roäng vaø phaùt trieån thò tröôøng, tieáp caän khaùch haøng môùi. · Veà hieäu quaû hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ hoaït ñoäng khaù toát vaø ñöôïc caûi thieän lieân tuïc. Caùc nhoùm veà chæ tieâu kinh doanh, khaû naêng thanh toaùn ñeàu ôû treân möùc trung bình vaø coù xu höôùng phaùt trieån tích cöïc. · Veà quaûn trò ñieàu haønh, heä thoáng quaûn trò ñieàu haønh vaø boä maùy kieåm soaùt ñöôïc caûi tieán lieân tuïc phuø hôïp vôùi caùc quy ñònh, chính saùch, chuaån möïc cuûa ngaønh ngaân haøng vaø caùc chuaån möïc quoác teá. Beân caïnh ñoù, cô caáu toå chöùc cuûa Ngaân haøng Nam AÙ cuõng ñöôïc caûi tieán ñeå ñaùp öùng yeâu caàu phaùt trieån, taêng khaû naêng caïnh tranh vaø hoäi nhaäp quoác teá. · Veà nguoàn nhaân löïc, ñoäi nguõ laõnh ñaïo cuûa Ngaân haøng Nam AÙ laø nhöõng ngöôøi coù kinh nghieäm laâu naêm trong ngaønh taøi chính - ngaân haøng vaø trong quaûn lyù ñieàu haønh. Theâm vaøo ñoù, ngaân haøng coøn coù ñoäi nguõ nhaân söï treû, ña soá toát nghieäp ñaïi hoïc, giaøu nhieät huyeát, coù thaùi ñoä phuïc vuï khaùch haøng taän taâm, chuyeân nghieäp. · Veà coâng ngheä thoâng tin, nhaän thöùc ñöôïc vai troø cuûa coâng ngheä thoâng tin trong hoaït ñoäng ngaân haøng, Ngaân haøng Nam AÙ ñang ñaàu tö xaây döïng heä thoáng Corebanking, ñaùp öùng yeâu caàu xöû lyù thoâng tin, naâng cao chaát löôïng quaûn lyù vaø laø tieàn ñeà cho vieäc öùng duïng, môû roäng caùc dòch vuï ngaân haøng ñieän töû vaø caùc dòch vuï ngaân haøng hieän ñaïi khaùc.

Baùo caùo thöôøng nieân 2007

Chieán löôïc phaùt trieån daøi haïn

Trong xu höôùng hoäi nhaäp neàn kinh teá theá giôùi hieän nay, cuøng vôùi vieäc naém baét caùc cô hoäi trong thu huùt voán ñaàu tö, chuyeån giao coâng ngheä, thì maët khaùc ngaønh ngaân haøng cuõng ñang ñöùng tröôùc nhöõng thaùch thöùc to lôùn khi caùc ngaân haøng nöôùc ngoaøi ngaøy caøng môû roäng hoaït ñoäng taïi thò tröôøng Vieät Nam. Trong boái caûnh ñoù, Ngaân haøng Nam AÙ ñaõ xaây döïng moät chieán löôïc phaùt trieån daøi haïn nhaèm cuûng coá vò theá treân thò tröôøng ngaân haøng, khoâng ngöøng naâng cao khaû naêng caïnh tranh thoâng qua vieäc môû roäng caùc hoaït ñoäng kinh doanh; ñoàng thôøi phaùt trieån heä thoáng dòch vuï ngaân haøng ña daïng, ña tieän ích, ñöôïc ñònh höôùng theo nhu caàu cuûa neàn kinh teá, treân cô sôû tieáp tuïc naâng cao chaát löôïng vaø hieäu quaû cuûa caùc dòch vuï ngaân haøng truyeàn thoáng. Maët khaùc, ngaân haøng nhanh choùng tieáp caän vaø phaùt trieån caùc loaïi hình dòch vuï môùi vôùi haøm löôïng coâng ngheä cao. Muïc tieâu toång quaùt cuûa Ngaân haøng Nam AÙ laø ñeán naêm 2020 seõ trôû thaønh moät trong nhöõng ngaân haøng baùn leû ña naêng, hieän ñaïi, coù chaát löôïng phuïc vuï ngang taàm vôùi caùc Ngaân haøng lôùn trong khu vöïc Ñoâng Nam AÙ. Phöông chaâm hoaït ñoäng cuûa Ngaân haøng Nam AÙ laø ñaûm baûo hoaït ñoäng cuûa ngaân haøng coù nhòp ñoä phaùt trieån nhanh vaø beàn vöõng, hoaït ñoäng theo nguyeân taéc thò tröôøng vôùi muïc tieâu chuû yeáu laø lôïi nhuaän, aùp duïng caùc thoâng leä vaø chuaån möïc quoác teá vaøo hoaït ñoäng kinh doanh cuûa ngaân haøng.

Nhöõng muïc tieâu cuï theå vaø caùc chöông trình troïng yeáu cuûa Ngaân haøng Nam AÙ ñeán 2020

Ngaân haøng Nam AÙ phaán ñaáu ñeán naêm 2020 baûo ñaûm caùc chæ tieâu hoaït ñoäng bao goàm voán ñieàu leä, toång taøi saûn, soá dö huy ñoäng voán, dö nôï cho vay, lôïi nhuaän tröôùc thueá ñaït toác ñoä taêng tröôûng cao. · Taêng cöôøng naêng löïc quaûn lyù thoâng qua cô caáu laïi toå chöùc vaø hoaït ñoäng, phaân bieät roõ raøng chöùc naêng, nhieäm vuï vaø quyeàn haïn cuûa Hoäi ñoàng quaûn trò vaø Ban ñieàu haønh, môû roäng quy moâ hoaït ñoäng ñi ñoâi vôùi taêng cöôøng naêng löïc töï kieåm tra, quaûn lyù ruûi ro, baûo ñaûm an toaøn vaø hieäu quaû trong kinh doanh, phaùt trieån heä thoáng quaûn lyù cuûa Ngaân haøng phuø hôïp vôùi caùc thoâng leä, chuaån möïc quoác teá vaø thöïc tieãn hoaït ñoäng cuûa Ngaân haøng Nam AÙ. · Taêng cöôøng naêng löïc taøi chính thoâng qua vieäc tieáp tuïc taêng voán ñieàu leä, taøi saûn, ñi ñoâi vôùi naâng cao chaát löôïng hoaït ñoäng vaø khaû naêng sinh lôøi, phoøng ngöøa vaø haïn cheá moïi ruûi ro trong kinh doanh. · Tìm kieám caùc ñoái taùc chieán löôïc thoâng qua vieäc cho pheùp caùc nhaø ñaàu tö nöôùc ngoaøi, nhaát laø caùc ngaân haøng coù tieàm löïc veà taøi chính, coâng ngheä, quaûn lyù vaø uy tín, ñöôïc mua coå phieáu vaø tham gia quaûn trò, ñieàu haønh Ngaân haøng. · Môû roäng maïng löôùi hoaït ñoäng taïi caùc khu vöïc kinh teá troïng ñieåm trong caû nöôùc theo keá hoaïch hoaït ñoäng haøng naêm. · Tieáp tuïc xaây döïng quy cheá quaûn lyù noäi boä, hoaøn chænh caùc quy trình nghieäp vuï nhaèm ñaûm baûo hoaït ñoäng kinh doanh thoáng nhaát vaø hieäu quaû. · Thu huùt, ñaøo taïo vaø phaùt trieån nguoàn nhaân löïc, naâng cao chaát löôïng tuyeån duïng, boá trí, ñaøo taïo ñoäi nguõ CBNV, ñaùp öùng nhu caàu phaùt trieån vaø môû roäng quy moâ, maïng löôùi hoaït ñoäng cuûa Ngaân haøng Nam AÙ trong töøng giai ñoaïn. · Thöïc hieän nghieâm tuùc caùc tyû leä baûo ñaûm an toaøn trong hoaït ñoäng ngaân haøng, ñaëc bieät laø duy trì möùc voán töï coù phuø hôïp vôùi quy moâ taøi saûn coù treân cô sôû thöïc hieän tyû leä an toaøn voán toái thieåu 8% theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc. · Ña daïng hoùa caùc saûn phaåm dòch vuï ngaân haøng, phaán ñaáu naâng daàn tyû troïng thu nhaäp ngoaøi cho vay chieám töø 40% treân toång thu nhaäp cuûa Ngaân haøng Nam AÙ.

Keá hoaïch hoaït ñoäng cuûa Ngaân haøng Nam AÙ töø nay ñeán 2012

Muïc tieâu hoaït ñoäng cuûa Ngaân haøng Nam AÙ: Xaây döïng vaø phaùt trieån Ngaân haøng Nam AÙ thaønh moät ngaân haøng ña naêng, ña lónh vöïc, hoaït ñoäng theo thoâng leä quoác teá. Vôùi muïc tieâu toái ña hoùa lôïi nhuaän, ñaûm baûo söï phaùt trieån nhanh vaø beàn vöõng, Ngaân haøng Nam AÙ khoâng ngöøng naâng cao chaát löôïng saûn phaåm dòch vuï, thoûa maõn ngaøy caøng toát hôn nhu caàu cuûa khaùch haøng, phaùt trieån ñoäi nguõ nhaân vieân coù trình ñoä cao nhaèm khoâng ngöøng naâng cao naêng löïc caïnh tranh cuûa Ngaân haøng. Caùc chæ tieâu hoaït ñoäng cô baûn giai ñoaïn töø 2008 – 2012: · Veà voán ñieàu leä: Tieáp tuïc phaùt haønh moät löôïng coå phieáu nhaát ñònh ñeå taêng voán ñieàu leä cuõng nhö taêng cöôøng naêng löïc taøi chính, ñaûm baûo muïc tieâu phaùt trieån beàn vöõng cuûa ngaân haøng. Döï kieán toác ñoä taêng tröôûng voán ñieàu leä seõ taêng töø 20 – 25% moãi naêm, phuø hôïp vôùi toác ñoä phaùt trieån cuûa ngaønh ngaân haøng, ñaûm baûo nguoàn voán töï coù ñeå ñaàu tö phaùt trieån haï taàng kyõ thuaät vaø caùc hoaït ñoäng kinh doanh cuûa Ngaân haøng.

Baùo caùo thöôøng nieân 2007

· Veà toång taøi saûn: Döï kieán toác ñoä taêng tröôûng bình quaân toång taøi saûn töø nay ñeán 2012 trung bình ñaït 80%/naêm. · Veà hoaït ñoäng huy ñoäng voán: Döï kieán toác ñoä taêng tröôûng bình quaân voán huy ñoäng töø nay ñeán 2012 trung bình ñaït 70%/naêm. · Veà hoaït ñoäng tín duïng: Toång dö nôï cho vay töø nay ñeán naêm 2012 döï kieán seõ ñaït toác ñoä taêng tröôûng bình quaân khoaûng 60%/naêm. · Veà lôïi nhuaän vaø caùc chæ tieâu taøi chính: Lôïi nhuaän tröôùc thueá döï kieán taêng bình quaân moãi naêm 50 - 60% so vôùi naêm tröôùc. Tyû suaát lôïi nhuaän/toång taøi saûn (ROA) vaøo naêm 2012 döï kieán seõ ñaït 1,7 - 1,8%/naêm. Caùc bieän phaùp thöïc hieän: · Ñieàu chænh cô caáu toå chöùc phuø hôïp vôùi chieán löôïc phaùt trieån trong töøng thôøi kyø, trong ñoù caàn chuyeân bieät hoùa caùc chöùc naêng, taùch chöùc naêng quaûn lyù ruûi ro ra khoûi chöùc naêng kinh doanh. · Ñieàu ñoäng, tuyeån duïng, ñaøo taïo caùn boä nhaân vieân ñuû tieâu chuaån boá trí vaøo caùc vò trí thích hôïp töø caùn boä ñieàu haønh caùc caáp ñeán nhaân vieân nghieäp vuï, ñuû söùc thöïc hieän nhieäm vuï ñeà ra theo keá hoaïch töøng naêm. · Ñaåy maïnh caùc hoaït ñoäng kinh doanh ngaân haøng, taêng cöôøng huy ñoäng voán töø caùc thaønh phaàn kinh teá ñoàng thôøi phaùt trieån cho vay, trong ñoù chuù troïng cho vay caùc döï aùn kinh teá coù tính khaû thi cao, cho vay caùc doanh nghieäp vöøa vaø nhoû ñeå phuïc vuï phaùt trieån kinh teá, cho vay caùc ñoái töôïng saûn xuaát noâng nghieäp töø nguoàn voán RDF II, cho vay tieâu duøng vaø caùc ñoái töôïng khaùc. Taäp trung nghieân cöùu, ñöa ra caùc saûn phaåm tín duïng môùi haáp daãn, thu huùt khaùch haøng. · Ñaàu tö, nghieân cöùu, trieån khai caùc dòch vuï ngaân haøng ngaøy caøng ña daïng, naâng cao tyû leä thu dòch vuï chieám treân 5% toång thu nhaäp cuûa Ngaân haøng. Ñaëc bieät laø khoâng ngöøng naâng cao chaát löôïng phuïc vuï vaø chaát löôïng dòch vuï cho khaùch haøng. · Taäp trung ñaàu tö, phaùt trieån caùc lónh vöïc kinh doanh môùi nhö kinh doanh theû, kinh doanh chöùng khoaùn, ñaàu tö taøi chính vaø moät soá hoaït ñoäng kinh doanh khaùc ñeå gia taêng lôïi nhuaän cho ngaân haøng. · Phaùt trieån maïng löôùi hoaït ñoäng roäng khaép, ñeán cuoái naêm 2012, naâng toång soá ñieåm giao dòch leân 150 ñieåm . · Ñaàu tö cô sôû vaät chaát ñaûm baûo phuïc vuï ngaøy caøng toát hôn caùc hoaït ñoäng ngaân haøng nhö: ñaàu tö xaây döïng Hoäi sôû môùi taïi 201-203 CMT8, Quaän 3, TP. HCM; ñaàu tö, mua saém, xaây döïng, söûa chöõa caùc truï sôû Chi nhaùnh taïi Haø Noäi, Haûi Phoøng, Quy Nhôn, Nha Trang, Caàn Thô,... · Tích cöïc ñaàu tö coâng ngheä thoâng tin ñeå taïo ñieàu kieän phaùt trieån caùc dòch vuï ngaân haøng phuø hôïp vôùi xu höôùng phaùt trieån cuûa ngaønh, hoäi nhaäp vôùi khu vöïc vaø quoác teá. · Ñaåy maïnh phaùt trieån thöông hieäu, xaây döïng chieán löôïc vaø toå chöùc thöïc hieän chieán löôïc Marketing Ngaân haøng Nam AÙ phuø hôïp vôùi keá hoaïch hoaït ñoäng trong moãi naêm, nhaèm ñaït lôïi nhuaän toái ña töø moïi hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ. · Ñaëc bieät, chuù troïng ñeán coâng taùc kieåm toaùn noäi boä, thoâng qua ñoù kieåm tra raø soaùt tính hieäu löïc, hieäu quaû cuûa heä thoáng kieåm tra kieåm soaùt noäi boä ñeå luoân chuû ñoäng haïn cheá moïi ruûi ro trong hoaït ñoäng kinh doanh, nhaèm ñöa Ngaân haøng Nam AÙ ngaøy caøng phaùt trieån beàn vöõng, an toaøn vaø hieäu quaû.

Baùo caùo thöôøng nieân 2007

Nhöõng söï kieän noåi baät naêm 2007

Naêm 2007 ñöôïc xem laø coät moác quan troïng ñaùnh daáu 15 naêm xaây döïng vaø phaùt trieån cuûa Ngaân haøng Nam AÙ. Ñaây cuõng laø naêm ngaân haøng tieáp tuïc naâng cao naêng löïc taøi chính ñeå môû roäng quy moâ hoaït ñoäng, ñaàu tö vaøo coâng ngheä vaø nguoàn nhaân löïc. Heä thoáng maïng löôùi phaùt trieån roäng khaép, cuï theå ngaân haøng ñaõ phaùt trieån theâm 14 Chi nhaùnh/Phoøng giao dòch môùi, naâng toång soá ñòa ñieåm giao dòch cuûa Ngaân haøng Nam AÙ leân 45 ñôn vò treân caû nöôùc. Voán ñieàu leä ñaït 575 tyû ñoàng, taêng gaáp 110 laàn so vôùi thôøi ñieåm thaønh laäp, lôïi nhuaän tröôùc thueá ñaït 107 tyû ñoàng, taêng gaáp 2 laàn so vôùi naêm 2006. Thu huùt, ñaøo taïo vaø phaùt trieån nguoàn nhaân löïc laø yeáu toá ñöôïc ban laõnh ñaïo Ngaân haøng Nam AÙ quan taâm haøng ñaàu nhaèm ñaùp öùng nhöõng yeâu caàu ngaøy caøng cao cuûa moät moâi tröôøng kinh doanh hieän ñaïi. Soá löôïng CBNV ngaân haøng ñaõ taêng leân ñaùng keå, töø 50 ngöôøi keå töø khi thaønh laäp leân ñeán 798 ngöôøi ñeán cuoái 2007.

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

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

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

* Ngaøy 5/7/2007, Ngaân haøng Nam AÙ ñaõ kyù keát thoûa thuaän hôïp taùc ñoàng haønh vôùi Ngaân haøng ñaàu tö vaø phaùt trieån Vieät nam (BIDV). * Ngaøy 10/7/2007, Ngaân haøng Nam AÙ toå chöùc thaønh coâng Ñaïi Hoäi Ñoàng Coå Ñoâng nhieäm kyø V (2007 – 2011). * Ngaøy 22/8/2007 Ngaân haøng Nam AÙ ñaõ kyù keát vôùi Ngaân haøng Phöông Nam thaønh laäp coâng ty Baûo hieåm Phöông Nam. * Ngaøy 18/10/2007, trong buoåi leã kyû nieäm 15 naêm thaønh laäp ngaân haøng (21/10/1992 – 21/10/2007) ñöôïc toå chöùc taïi Nhaø haùt Lôùn Thaønh Phoá, OÂng Huyønh Thaønh Chung - Chuû tòch

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

Baùo caùo thöôøng nieân 2007

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

* Ngaân haøng coøn nhaän ñöôïc giaáy chöùng nhaän “Nhaõn hieäu noåi tieáng Quoác gia” do Hoäi sôû höõu Trí tueä Vieät Nam trao taëng. * Ñaït danh hieäu laø “Moät trong 500 doanh nghieäp lôùn nhaát Vieät Nam” do baûng xeáp haïng Top 500 doanh nghieäp lôùn nhaát Vieät Nam (VNR500) coâng boá. * Nhaân dòp kyû nieäm 15 naêm thaønh laäp, Ngaân haøng Nam AÙ coøn vinh döï ñoùn nhaän Baèng khen cuûa Thuû Töôùng Chính Phuû, Baèng khen cuûa UBND TP. HCM vaø thö chuùc möøng cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc Vieät Nam.

Cô hoäi laãn thaùch thöùc vaãn coøn ôû phía tröôùc, song vôùi kinh nghieäm vaø noäi löïc ñaõ tích luõy ñöôïc qua moät quaù trình phaán ñaáu laâu daøi, chaéc chaén Ngaân haøng Nam AÙ seõ ñaït ñöôïc nhöõng thaønh coâng môùi.

Baùo caùo thöôøng nieân 2007

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Lôïi nhuaän tröôùc thueá ñaït

tyû ñoàng

Baùo caùo thöôøng nieân 2007

4 1

OÂng Nguyeãn Quoác Myõ

Chuû tòch Hoäi ñoàng quaûn trò Chairman

OÂng Huyønh Thaønh Chung

UÛy vieân Member

Baø Nguyeãn Thò Xuaân Loan

UÛy vieân Member

OÂng Phan Ñình Taân

UÛy vieân Member

Chuùng toâi tin töôûng truyeàn thoáng ñoaøn keát, phaùt trieån oån ñònh vaø beàn vöõng trong nhieàu naêm qua. Baùo caùo thöôøng nieân 2007

Ban laõnh ñaïo Ngaân Haøng Nam AÙ HOÄI ÑOÀNG QUAÛN TRÒ

OÂng Nguyeãn Quoác Myõ Chuû tòch Hoäi ñoàng quaûn trò

OÂng Huyønh Thaønh Chung UÛy vieân Hoäi ñoàng quaûn trò

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

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

OÂng Phan Ñình Taân UÛy vieân Hoäi ñoàng quaûn trò

Baø Nguyeãn Thò Xuaân Loan UÛy vieân Hoäi ñoàng quaûn trò

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

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

Baùo caùo thöôøng nieân 2007

BAN KIEÅM SOAÙT

OÂng Nguyeãn Vaên Daäu Tröôûng Ban Kieåm Soaùt

OÂng Trang Xuaân Töûng Thaønh vieân

Baø Trieäu Kim Caân Thaønh vieân

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

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

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

Baùo caùo thöôøng nieân 2007

BAN ÑIEÀU HAØNH

OÂng Tröông Minh Khai Toång Giaùm Ñoác

OÂng Laïi Quoác Tuaán Phoù Toång Giaùm Ñoác

Baø Voõ Thò Tuyeát Nga Phoù Toång Giaùm Ñoác

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

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

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

Baùo caùo thöôøng nieân 2007

OÂng Leâ Khaùnh Hieàn Phoù Toång Giaùm Ñoác

OÂng Nguyeãn Danh Thieát Phoù Toång Giaùm Ñoác

OÂng Traàn Ngoïc Taâm Phoù Toång Giaùm Ñoác

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

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

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

Baùo caùo thöôøng nieân 2007

Sô ñoà toå chöùc Ngaân Haøng Nam AÙ

ÑAÏI HOÄI ÑOÀNG COÅ ÑOÂNG Shareholder’s Meeting

HOÄI ÑOÀNG QUAÛN TRÒ Board of Management (B.O.M)

VAÊN PHOØNG HOÄI ÑOÀNG QUAÛN TRÒ B.O.M Office

Phoù Toång Giaùm Ñoác Vice General Director Giaùm Ñoác Khoái Marketing Director of Marketing Division

Phoù Toång Giaùm Ñoác Vice General Director Giaùm Ñoác Khoái Quaûn Lyù Ruûi Ro Director of Risk Management Division

TOÅNG GIAÙM ÑOÁC Genaral Director

Phoù Toång Giaùm Ñoác Vice General Director

Giaùm Ñoác Khoái Vaän Haønh Director of Operation Division

Giaùm Ñoác Khu Vöïc Phía Baéc Director of the Northern Area

Phoøng Phaùt Trieån Khaùch Haøng Customer Developing Dept.

Phoøng Quaûn Lyù Tín Duïng Credit Management Dept.

Phoøng Keá Toaùn Accouting Department

Chi Nhaùnh Haø Noäi Ha Noi Branch

Phoøng Marketing Marketing Department

Phoøng Phaùp Cheá & Thu Hoài Nôï Quaù Haïn Legal & Collection Dept.

Phoøng Thanh Toaùn Quoác Teá Trade Finance Department

Chi Nhaùnh Haûi Phoøng Hai Phong Branch

Phoøng Quaûn Lyù Ruûi Ro Risks Management Dept.

Phoøng Quaûn Lyù Theû Card Management Dept.

Chi Nhaùnh Laïng Sôn Lang Son Branch

Phoøng Ngaân Quyõ Cash Department

Caùc Chi Nhaùnh Khaùc Other Branches

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

Baùo caùo thöôøng nieân 2007

BAN KIEÅM SOAÙT Control Committee

BAN KIEÅM TOAÙN NOÄI BOÄ Audit Committee

Phoù Toång Giaùm Ñoác Vice General Director

Giaùm Ñoác Khoái Kinh Doanh I Director of the first Business Division

Giaùm Ñoác Khoái Kinh Doanh II Director of the second Business Division

Phoù Toång Giaùm Ñoác Vice General Director

Phoøng Keá Hoaïch Toång Hôïp Planning Department

Giaùm Ñoác Khoái Hoã Trôï Director of Supporting Division

Phoøng Tín Duïng Credit Department

Phoøng Nguoàn Voán Treasury Department

Phoøng Nhaân Söï Human Resourses

Caùc Chi Nhaùnh Branches

Phoøng Kinh Doanh Ngoaïi Hoái Foreign Exchange Dept.

Phoøng Coâng Ngheä Thoâng Tin IT Department

Caùc Phoøng Giao Dòch Transaction Offices

Phoøng Ñaàu Tö Taøi Chính Financial Department

Phoøng Haønh Chaùnh Quaûn Trò Administrative Department

Caùc Coâng Ty Tröïc Thuoäc Subsidiaries

Ban Nghieäp Vuï Coâng Ngheä Ngaân Haøng Board of Banking Technology

Baùo caùo thöôøng nieân 2007

Vai troø, traùch nhieäm vaø nhieäm vuï cuûa Hoäi ñoàng quaûn trò

Hoäi ñoàng quaûn trò: laø cô quan quaûn trò cuûa Ngaân haøng Nam AÙ, coù toaøn quyeàn nhaân danh Ngaân haøng Nam AÙ quyeát ñònh caùc vaán ñeà lieân quan ñeán muïc ñích, quyeàn lôïi cuûa Ngaân haøng Nam AÙ, tröø nhöõng vaán ñeà thuoäc thaåm quyeàn cuûa Ñaïi hoäi ñoàng coå ñoâng. Giuùp vieäc cho Hoäi ñoàng quaûn trò coù Vaên phoøng Hoäi ñoàng quaûn trò. Hoäi ñoàng quaûn trò giöõ vai troø ñònh höôùng chieán löôïc, keá hoaïch hoaït ñoäng haøng naêm; chæ ñaïo vaø giaùm saùt hoaït ñoäng cuûa Ngaân haøng thoâng qua Ban ñieàu haønh vaø caùc Hoäi ñoàng. Hoäi ñoàng quaûn trò coù nhieäm vuï hoaïch ñònh chuû tröông, ñöôøng loái, muïc tieâu, chính saùch vaø ban haønh caùc quy cheá, quy ñònh, ñoàng thôøi theo doõi quaù trình toå chöùc thöïc hieän cuûa boä maùy ñieàu haønh caùc caáp.

Caùc Ban, Hoäi ñoàng cuûa Hoäi ñoàng quaûn trò

Ban kieåm soaùt: laø cô quan kieåm tra hoaït ñoäng taøi chính cuûa Ngaân haøng TMCP Nam AÙ, giaùm saùt vieäc chaáp haønh cheá ñoä haïch toaùn, hoaït ñoäng cuûa heä thoáng kieåm tra, kieåm soaùt noäi boä cuûa Ngaân haøng TMCP Nam AÙ. Giuùp vieäc cho Ban kieåm soaùt coù Ban kieåm toaùn noäi boä. Ban coá vaán: coá vaán cho Hoäi ñoàng quaûn trò trong coâng taùc quaûn trò, ñieàu haønh hoaït ñoäng kinh doanh Ngaân haøng Nam AÙ, phaùt trieån caùc saûn phaåm dòch vuï ngaân haøng, phaùt trieån nguoàn nhaân löïc, hoaït ñoäng ñoái ngoaïi, hoaït ñoäng ñaàu tö, lieân doanh, lieân keát,... Hoäi ñoàng Tín duïng - Ñaàu tö: xeùt duyeät caùc khoaûn cho vay, baûo laõnh vöôït quaù 5% voán ñieàu leä; xeùt duyeät caùc phöông aùn ñaàu tö hôïp taùc, goùp voán lieân doanh vôùi caùc ñôn vò khaùc; giaùm saùt coâng taùc thu hoài nôï quaù haïn. Hoäi ñoàng xöû lyù taøi saûn: tham vaán, ñeà xuaát yù kieán cho Hoäi ñoàng quaûn trò, Toång Giaùm ñoác trong vieäc toå chöùc quaûn lyù, söû duïng, mua baùn coù hieäu quaû caùc taøi saûn cuûa Ngaân haøng Nam AÙ. Hoäi ñoàng Nhaân söï - Tieàn löông: xem xeùt caùc vaán ñeà lieân quan ñeán cheá ñoä tuyeån duïng, tieàn löông cuûa CBNV Ngaân haøng Nam AÙ. Hoäi ñoàng Thi ñua - Khen thöôûng: ñeà xuaát, ñaùnh giaù keát quaû coâng taùc thi ñua khen thöôûng taïi Ngaân haøng Nam AÙ. Hoäi ñoàng xöû lyù kyû luaät: tham vaán cho Hoäi ñoàng quaûn trò, Toång Giaùm ñoác trong vieäc quyeát ñònh xöû lyù kyû luaät caùn boä nhaân vieân vi phaïm kyû luaät trong toaøn heä thoáng Ngaân haøng Nam AÙ. Hoäi ñoàng xöû lyù ruûi ro: xem xeùt vieäc trích laäp döï phoøng ruûi ro, quyeát ñònh xöû lyù ruûi ro theo quy ñònh, giaùm saùt coâng taùc thu hoài nôï. Ban Taøi chính: giaùm saùt, theo doõi, kieåm tra nguoàn voán, söû duïng voán; tham vaán ñeà xuaát yù kieán cho Hoäi ñoàng quaûn trò trong vieäc quyeát ñònh keá hoaïch chi tieâu, mua saém taøi saûn. Vaên phoøng HÑQT: giuùp Hoäi ñoàng quaûn trò toång hôïp, quaûn trò hoaït ñoäng Ngaân haøng theo Nghò quyeát ÑHÑCÑ vaø chöông trình, keá hoaïch coâng taùc ñaõ ñöôïc Hoäi ñoàng quaûn trò thoâng qua; tham möu cho Hoäi ñoàng quaûn trò trong vieäc thöïc hieän chöùc naêng quaûn trò hoaït ñoäng Ngaân haøng Nam AÙ. Ban kieåm toaùn noäi boä: thöïc hieän coâng taùc kieåm toaùn hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ.

Baùo caùo thöôøng nieân 2007

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

Boä maùy quaûn lyù, ñieàu haønh

Phoù Toång Giaùm ñoác: laø ngöôøi giuùp Toång Giaùm ñoác ñieàu haønh moät hoaëc moät soá lónh vöïc hoaït ñoäng cuûa Ngaân haøng TMCP Nam AÙ theo söï phaân coâng cuûa Toång Giaùm ñoác, chòu traùch nhieäm tröôùc Toång Giaùm ñoác vaø tröôùc phaùp luaät veà nhieäm vuï ñöôïc Toång Giaùm ñoác phaân coâng. Giaùm ñoác Khoái: laø ngöôøi giuùp Toång Giaùm ñoác quaûn lyù, ñieàu haønh caùc hoaït ñoäng cuûa Khoái theo söï phaân coâng cuûa Toång Giaùm ñoác, chòu traùch nhieäm tröôùc Toång Giaùm ñoác vaø tröôùc phaùp luaät veà nhieäm vuï ñöôïc Toång Giaùm ñoác phaân coâng. Keá toaùn tröôûng: giuùp Toång Giaùm ñoác chæ ñaïo thöïc hieän coâng taùc keá toaùn, thoáng keâ cuûa Ngaân haøng TMCP Nam AÙ, coù caùc quyeàn vaø nhieäm vuï theo quy ñònh cuûa phaùp luaät vaø Ñieàu leä Ngaân haøng TMCP Nam AÙ. Boä maùy chuyeân moân nghieäp vuï: coù chöùc naêng tham möu, giuùp Hoäi ñoàng quaûn trò vaø Toång Giaùm ñoác trong quaûn lyù vaø ñieàu haønh coâng vieäc. Boä maùy chuyeân moân nghieäp vuï cuûa Ngaân haøng TMCP Nam AÙ bao goàm: · Khoái Vaän haønh: quaûn lyù, ñieàu haønh caùc hoaït ñoäng trong heä thoáng vaän haønh hoã trôï caùc hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Keá toaùn, Phoøng Thanh toaùn quoác teá, Phoøng Ngaân quyõ vaø Phoøng Quaûn lyù theû. · Khoái Khu vöïc phía Baéc: Quaûn lyù, ñieàu haønh caùc hoaït ñoäng Ngaân haøng TMCP Nam AÙ thuoäc khu vöïc phía Baéc, tröïc tieáp quaûn lyù Chi nhaùnh Haø Noäi, Chi nhaùnh Haûi Phoøng, Chi nhaùnh Laïng Sôn vaø caùc Chi nhaùnh khaùc. · Khoái Hoã trôï: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï cho moïi hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Nhaân söï, Phoøng Coâng ngheä thoâng tin, Phoøng Haønh chính - Quaûn trò vaø Ban Tifa. · Khoái Quaûn lyù ruûi ro: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm haïn cheá toái ña moïi ruûi ro coù theå xaûy ra trong hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Quaûn lyù tín duïng, Phoøng Phaùp cheá & Thu hoài nôï quaù haïn, Phoøng Quaûn lyù ruûi ro. · Khoái kinh doanh I: quaûn lyù, ñieàu haønh coâng taùc kinh doanh caùc Chi nhaùnh; tham möu, giuùp Giaùm ñoác Khoái quaûn lyù, ñieàu haønh coâng taùc kinh doanh coù Phoøng Tín duïng. · Khoái kinh doanh II: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï, phaùt trieån caùc hoaït ñoäng kinh doanh, goàm caùc phoøng: Phoøng Nguoàn voán, Phoøng Kinh doanh ngoaïi hoái, Phoøng Ñaàu tö taøi chính vaø Quaûn lyù coâng ty tröïc thuoäc. · Khoái Marketing: quaûn lyù, ñieàu haønh caùc hoaït ñoäng nhaèm hoã trôï, phaùt trieån caùc hoaït ñoäng kinh doanh, phaùt trieån thò tröôøng, phaùt trieån thöông hieäu, goàm caùc phoøng: Phoøng Phaùt trieån khaùch haøng, Phoøng Marketing. · Phoøng Keá hoaïch toång hôïp: Tham möu, giuùp Toång Giaùm ñoác trong coâng taùc keá hoaïch, toång hôïp, hoã trôï vaø chieán löôïc phaùt trieån moïi hoaït ñoäng trong Ngaân haøng.

Baùo caùo thöôøng nieân 2007

Coâng taùc quaûn lyù ruûi ro

Ruûi ro veà laõi suaát Ruûi ro veà laõi suaát xaûy ra khi coù söï bieán ñoäng veà laõi suaát thò tröôøng vaø noù taùc ñoäng ñeán thu nhaäp vaø chi phí hoaït ñoäng cuûa ngaân haøng. Ñeå coù theå kieåm soaùt ruûi ro veà laõi suaát, Ngaân haøng Nam AÙ ñaõ vaø ñang aùp duïng chính saùch quaûn lyù ruûi ro laõi suaát treân cô sôû phaân tích ñaùnh giaù cheânh leäch veà kyø haïn, laõi suaát cuûa caùc khoaûn muïc nguoàn voán vaø taøi saûn, töø ñoù ñöa ra caùc bieän phaùp xöû lyù cuï theå: ° Hoäi sôû thöïc hieän quaûn lyù, kinh doanh voán taäp trung; ° Thöïc hieän cho vay vôùi laõi suaát thaû noåi, ñieàu naøy cho pheùp Ngaân haøng coù theå thay ñoåi linh hoaït möùc laõi suaát cho vay phuø hôïp vôùi söï bieán ñoäng cuûa thò tröôøng; ° Duy trì cheânh leäch laõi suaát giöõa ñaàu vaøo, ñaàu ra moät caùch hôïp lyù, tuaân thuû quy ñònh veà an toaøn voán cuûa NHNN. Ruûi ro tín duïng Ruûi ro tín duïng laø khaû naêng xaûy ra toån thaát trong hoaït ñoäng Ngaân haøng Nam AÙ do khaùch haøng khoâng thöïc hieän hoaëc khoâng coù khaû naêng thöïc hieän nghóa vuï cuûa mình theo cam keát. Ñeå quaûn lyù ruûi ro tín duïng, Ngaân haøng Nam AÙ ñang aùp duïng moät soá bieän phaùp nhö sau: ° Tuaân thuû caùc quy ñònh cuûa NHNN veà coâng taùc tín duïng, tyû leä an toaøn voán; ° Thöïc hieän cheá ñoä ñaøo taïo, boài döôõng nhaèm naâng cao trình ñoä nghieäp vuï chuyeân moân cho caùc CBNV thöïc hieän coâng taùc tín duïng; ° Töøng böôùc xaây döïng vaø hoaøn thieän caùc chính saùch veà quaûn trò ruûi ro, ñaëc bieät laø ruûi ro tín duïng: quy ñònh veà phaân quyeàn, haïn möùc pheâ duyeät...; ° Xaây döïng chính saùch tín duïng theo höôùng ña daïng hoùa saûn phaåm; ° Chuaån hoùa quy trình tín duïng vôùi caùc quy ñònh chaët cheõ veà kieåm soaùt, aùp duïng caùc maãu bieåu thoáng nhaát trong toaøn heä thoáng; ° Phaân loaïi, quaûn lyù vaø xöû lyù caùc khoaûn nôï xaáu; ° Trích laäp döï phoøng ruûi ro theo quy ñònh. Ruûi ro veà ngoaïi hoái Ruûi ro veà ngoaïi hoái phaùt sinh khi coù söï bieán ñoäng veà tyû giaù hoái ñoaùi laøm cho giaù trò cuûa caùc loaïi “taøi saûn coù” vaø “taøi saûn nôï” baèng ngoaïi teä, vaøng giaûm ñi. Ñeå giaûm thieåu ruûi ro veà ngoaïi hoái, Ngaân haøng Nam AÙ ñaõ xaây döïng vaø thöïc hieän chính saùch quaûn lyù ruûi ro veà ngoaïi hoái nhö sau: ° Tuaân thuû caùc quy ñònh cuûa NHNN; ° Quaûn lyù traïng thaùi ngoaïi hoái môû; ° Kieåm soaùt ruûi ro thoâng qua caùc quy ñònh taùch baïch chöùc naêng cuûa caùc boä phaän; quy ñònh veà phaân quyeàn, haïn möùc giao dòch, haïn möùc döøng loã; ° Ña daïng hoùa caùc saûn phaåm phaùi sinh. Ruûi ro veà thanh khoaûn Hoaït ñoäng trong lónh vöïc raát nhaïy caûm tröôùc caùc bieán ñoäng cuûa thò tröôøng, caùc tin ñoàn thaát thieät coù theå aûnh höôûng ñeán hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ thöïc hieän caùc bieän phaùp nhaèm kieåm soaùt ruûi ro veà thanh khoaûn nhö sau: ° Ngaân haøng Nam AÙ thöïc hieän duy trì caùc tyû leä ñaûm baûo khaû naêng thanh khoaûn, baûo hieåm tieàn göûi theo quy ñònh cuûa NHNN. ° Hoäi sôû quaûn lyù nguoàn voán taäp trung, ñaûm baûo khaû naêng thanh khoaûn cho toaøn heä thoáng thoâng qua vieäc nghieân cöùu, phaân tích ñoä leäch kyø haïn; döï ñoaùn thôøi haïn, trò giaù caùc khoaûn chi chuû yeáu aûnh höôûng ñeán luoàng tieàn vaøo ra, töø ñoù ñöa ra caùc chæ soá giôùi haïn, caùc danh muïc ñaàu tö hôïp lyù vaø coù tính thanh khoaûn cao coù theå chuyeån ñoåi thaønh tieàn maët ñaùp öùng nhu caàu ruùt tieàn theo ñònh kyø, hoaëc ñoät xuaát cuûa khaùch haøng. ° Ngaân haøng Nam AÙ luoân theo doõi, phaân tích, ñaùnh giaù vaø coù traùch nhieäm chuû ñoäng coâng boá thoâng tin nhaèm giuùp khaùch haøng, coå ñoâng hieåu roõ moïi hoaït ñoäng cuûa Ngaân haøng, haïn cheá nhöõng tin ñoàn thaát thieät coù theå gaây aûnh höôûng ñeán hoaït ñoäng cuûa Ngaân haøng.

Baùo caùo thöôøng nieân 2007

Ruûi ro töø caùc hoaït ñoäng ngoaïi baûng: Haàu heát caùc khoaûn baûo laõnh L/C, caùc khoaûn Ngaân haøng Nam AÙ cam keát cho vay ñeàu coù taøi saûn ñaûm baûo, do ñoù khaû naêng caùc khoaûn neâu treân gaây ra nhöõng bieán ñoäng aûnh höôûng ñeán tình hình taøi chính cuûa Ngaân haøng Nam AÙ laø raát thaáp. Ruûi ro luaät phaùp Laø coâng ty ñaïi chuùng hoaït ñoäng trong lónh vöïc taøi chính - tieàn teä, Ngaân haøng Nam AÙ luoân tuaân thuû caùc quy ñònh cuûa Phaùp luaät, NHNN, Boä taøi chính, UBCKNN. Do vaäy vieäc thay ñoåi, boå sung caùc vaên baûn quy phaïm phaùp luaät lieân quan ñeán hoaït ñoäng ngaân haøng ñeàu aûnh höôûng tröïc tieáp ñeán hoaït ñoäng cuûa Ngaân haøng Nam AÙ. Tuy nhieân, vôùi ñònh höôùng phaùt trieån kinh doanh oån ñònh, laâu daøi; tình hình taøi chính minh baïch; kinh nghieäm quaûn trò, Ngaân haøng Nam AÙ seõ thích öùng nhanh vôùi nhöõng thay ñoåi veà caùc quy ñònh. Ruûi ro veà hoaït ñoäng Hoaït ñoäng ngaân haøng chòu nhieàu ruûi ro, ruûi ro chuû yeáu laø: ° Ruûi ro tín duïng; ° Ruûi ro thanh khoaûn; ° Ruûi ro thò tröôøng: laø nhöõng ruûi ro phaùt sinh khi coù söï thay ñoåi baát thöôøng veà: laõi suaát, tyû giaù hoái ñoaùi, giaù chöùng khoaùn, giaù caùc taøi saûn khaùc do Ngaân haøng naém giöõ trong quaù trình hoaït ñoäng kinh doanh; ° Ruûi ro taùc nghieäp. Trong caùc ruûi ro neâu treân thì ruûi ro tín duïng xaûy ra seõ aûnh höôûng raát lôùn ñeán hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ, vì hieän nay hoaït ñoäng chuû yeáu cuûa Ngaân haøng laø cho vay. Do ñoù Ban Laõnh ñaïo Ngaân haøng Nam AÙ ñaõ thöïc hieän chuû tröông ña daïng hoùa caùc saûn phaåm dòch vuï, ña daïng hoùa ñoái töôïng cho vay, trích laäp döï phoøng ñaày ñuû theo quy ñònh, xaây döïng quy trình tín duïng chaët cheõ, naâng cao trình ñoä nghieäp vuï cho caùn boä tín duïng... nhaèm haïn cheá toái ña nhöõng toån thaát khi ruûi ro tín duïng xaûy ra. Vôùi keá hoaïch ñaåy maïnh, ña daïng hoùa danh muïc ñaàu tö nhaèm taêng lôïi nhuaän vaø giaûm phuï thuoäc vaøo nguoàn thu töø hoaït ñoäng tín duïng, trong ñieàu kieän thò tröôøng chöùng khoaùn coù nhieàu bieán ñoäng, döï baùo trong thôøi gian tôùi laõi suaát seõ bieán ñoäng, ruûi ro veà thanh khoaûn, ruûi ro thò tröôøng coù theå xaûy ra, Ban Laõnh ñaïo ñaõ xaây döïng vaø thöïc hieän chính saùch quaûn lyù veà voán, löïa choïn, quaûn lyù chaët cheõ danh muïc ñaàu tö,... nhaèm chuû ñoäng xöû lyù vaø haïn cheá toån thaát khi xaûy ra ruûi ro. Ñeå kieåm soaùt ruûi ro taùc nghieäp Ngaân haøng Nam AÙ ñaõ xaây döïng heä thoáng kieåm tra kieåm soaùt chaët cheõ, ñaûm baûo caùc giao dòch ñeàu ñöôïc kieåm soaùt tröôùc khi thöïc hieän. Ruûi ro khaùc (thieân tai, ñòch hoïa, chaùy noå,...): Ñeå haïn cheá toån thaát khi xaûy ra ruûi ro veà thieân tai, ñòch hoïa, chaùy noå,... Ngaân haøng Nam AÙ ñaõ thöïc hieän baûo hieåm tieàn göûi theo quy ñònh cuûa NHNN, xaây döïng phöông aùn baûo toaøn döõ lieäu trong tröôøng hôïp xaûy ra ruûi ro do baát khaû khaùng, xaây döïng phöông aùn phoøng chaùy chöõa chaùy, baûo hieåm taøi saûn.

Baùo caùo thöôøng nieân 2007

Baùo caùo cuûa Toång Giaùm Ñoác

Naêm 2007, neàn kinh teá Vieät Nam tieáp tuïc phaùt trieån oån ñònh, ñaït möùc taêng tröôûng cao 8,48%, voán ñaàu tö nöôùc ngoaøi (FDI) ñaït 20,3 tyû USD, kim ngaïch xuaát nhaäp khaåu gia taêng. Tuy nhieân, moâi tröôøng kinh doanh cuûa caùc Ngaân haøng thöông maïi ñaõ gaëp moät soá yeáu toá khoâng thuaän lôïi nhö laïm phaùt taêng cao, giaù vaøng trong nöôùc bieán ñoäng khoù löôøng, Ngaân haøng Nhaø nöôùc ñieàu chænh taêng tyû leä döï tröõ baét buoäc. Trong boái caûnh ñoù, nhôø coù ñònh höôùng phaùt trieån ñuùng maø Ngaân haøng Nam AÙ ñaõ ñaït ñöôïc moät soá keát quaû ñaùng keå. Cuï theå nhö sau: * Naêm 2007, caùc chæ tieâu kinh doanh ñeàu taêng tröôûng so vôùi naêm tröôùc. Trong ñoù, lôïi nhuaän tröôùc thueá cuûa Ngaân haøng Nam AÙ ñaït hôn 107 tyû ñoàng, taêng 98,96% so vôùi naêm 2006, cao hôn toång lôïi nhuaän cuûa 3 naêm lieàn tröôùc. * Ñoái vôùi caùc chæ tieâu veà an toaøn trong hoaït ñoäng kinh doanh, Ngaân haøng Nam AÙ luoân ñaûm baûo theo ñuùng quy ñònh. * Thöïc hieän theo chuû tröông môû roäng maïng löôùi hoaït ñoäng, tính ñeán cuoái naêm Ngaân haøng Nam AÙ ñaõ coù maïng löôùi roäng khaép vôùi 45 ñieåm giao dòch. * Ngoaøi caùc baèng khen cuûa Thoáng ñoác Ngaân haøng nhaø nöôùc vaø caùc danh hieäu ñaõ ñaït ñöôïc trong caùc naêm qua, naêm 2007 Ngaân haøng Nam AÙ vinh döï ñoùn nhaän baèng khen cuûa Thuû töôùng chính phuû, baèng khen cuûa UÛy ban nhaân daân Thaønh phoá Hoà Chí Minh, ñaït danh hieäu “Thöông hieäu vaøng” do Hieäp hoäi choáng haøng giaû vaø baûo veä thöông hieäu Vieät Nam trao taëng, danh hieäu “Top Trade Services” do Boä Coâng Thöông trao taëng.

Nhöõng keát quaû ñaït ñöôïc trong naêm 2007 ñaõ khaúng ñònh vò trí cuûa Ngaân haøng Nam AÙ trong heä thoáng Ngaân haøng TMCP vaø cho thaáy tieàm naêng phaùt trieån cuûa Ngaân haøng Nam AÙ trong nhöõng naêm tôùi laø raát lôùn.

Baùo caùo thöôøng nieân 2007

Toång quan tình hình taøi chính naêm 2007

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

Soá lieäu (Tyû ñoàng) CAÙC KHOAÛN MUÏC CHÍNH

Tyû leä taêng/giaûm (%)

Naêm 2005

Naêm 2006

Naêm 2007

2007 so vôùi 2005

2007 so vôùi 2006

Huy ñoäng thò tröôøng I

1.185,20

1.894,75

2.811,55

137,22%

48,39%

Huy ñoäng thò tröôøng II

206,53

1.262,88

1.672,11

709,62%

32,40%

Dö nôï tín duïng

1.248,83

2.047,54

2.698,70

116,10%

31,80%

Toång taøi saûn

1.605,24

3.884,44

5.249,95

227,05%

35,15%

150,00

550,00

575,92

283,95%

4,71%

Voán ñieàu leä

Keát quaû kinh doanh

Lôïi nhuaän tröôùc thueá

29,12

53,96

107,36

268,68%

98,96%

Lôïi nhuaän sau thueá

20,97

39,14

75,18

258,51%

92,07%

Caùc chæ tieâu taøi chính

ROA (%)

2,11%

2,38%

2,40%

0,29%

0,02%

ROE (%)

23,70%

12,11%

18,28%

-5,42%

6,17%

Tyû leä coå töùc (%)

12,30%

11,12%

10,15%

-2,15%

-0,97%

Tyû leä an toaøn voán (%)

17,17%

32,63%

21,07%

3,90%

-11,56%

Toång taøi saûn cuûa Ngaân haøng Nam AÙ tính ñeán 31/12/2007 ñaït 5.249,95 tyû ñoàng, taêng 35,15% so vôùi cuoái naêm 2006, thöïc hieän ñöôïc 70,39% so vôùi keá hoaïch, ñieàu naøy cho thaáy quy moâ hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ ñöôïc môû roäng. Nhaèm taêng cöôøng naêng löïc taøi chính, khaû naêng caïnh tranh, ñaàu tö ñoåi môùi coâng ngheä, môû roäng maïng löôùi hoaït ñoäng, Ngaân haøng Nam AÙ ñaõ ñeà ra chæ tieâu keá hoaïch veà voán ñieàu leä ñeán cuoái naêm 2007 laø 1.350 tyû ñoàng. Ñeán cuoái naêm 2007, voán ñieàu leä cuûa Ngaân haøng Nam AÙ laø 575,92 tyû ñoàng vaø trong Quyù I/2008 Ngaân haøng tieáp tuïc phaùt haønh coå phieáu ñeå taêng voán ñieàu leä leân 1.252,83 tyû ñoàng, ñaït 92,08% so vôùi keá hoaïch naêm 2007.

Baùo caùo thöôøng nieân 2007

Phöông chaâm haønh ñoäng cuûa Ngaân haøng Nam AÙ laø

“An toaøn, phaùt trieån,

Baùo caùo thöôøng nieân 2007

hieäu quaû vaø beàn vöõng” Baùo caùo thöôøng nieân 2007

Hoaït ñoäng huy ñoäng voán

Chæ tieâu (tính ñeán 31/12/2007)

Soá dö (Tyû ñoàng)

(%) Taêng so vôùi ñaàu naêm

4.483,65

41,99%

Tieàn göûi caù nhaân & TCKT

2.811,55

48,39%

Tieàn göûi cuûa caùc TCTD khaùc

1.672,11

32,40%

Toång huy ñoäng Trong ñoù:

Vôùi heä thoáng maïng löôùi hoaït ñoäng ngaøy caøng môû roäng, laõi suaát huy ñoäng ñöôïc ñieàu chænh hôïp lyù, kòp thôøi vaø phong caùch phuïc vuï khaùch haøng cuûa nhaân vieân ngaøy caøng toát hôn ñaõ goùp phaàn taêng khaû naêng huy ñoäng voán cuûa Ngaân haøng Nam AÙ. Ñeán cuoái naêm 2007, toång nguoàn voán huy ñoäng cuûa Ngaân haøng Nam AÙ ñaït 4.483,65 tyû ñoàng, taêng 41,99% so vôùi ñaàu naêm, trong ñoù: - Voán huy ñoäng treân thò tröôøng 1 (daân cö vaø TCKT) ñaït 2.811,55 tyû ñoàng, taêng 48,39% so vôùi ñaàu naêm, chieám tyû troïng 62,71% treân toång voán huy ñoäng. Möùc taêng tröôûng voán huy ñoäng thò tröôøng 1 ñaõ taïo cô sôû ñeå Ngaân haøng Nam AÙ phaùt trieån hoaït ñoäng tín duïng vaø caùc hoaït ñoäng kinh doanh khaùc. - Voán huy ñoäng treân thò tröôøng 2 ñaït 1.672,11 tyû ñoàng, taêng 32,40% so vôùi ñaàu naêm, ñaït 122,34% so vôùi keá hoaïch. Voán huy ñoäng treân thò tröôøng 2 cuûa Ngaân haøng taêng lieân tuïc trong giai ñoaïn 2003-2007, cho thaáy Ngaân haøng Nam AÙ ñaõ môû roäng moái quan heä vôùi caùc ngaân haøng baïn nhaèm taïo ñieàu kieän thuaän lôïi trong vieäc giao dòch thanh toaùn, vaø cuõng daàn khaúng ñònh ñöôïc uy tín cuûa Ngaân haøng Nam AÙ treân thò tröôøng lieân ngaân haøng.

Huy ñoäng voán töø daân cö, TCKT

18,06%

Huy ñoäng voán töø caùc TCTD

Ngaén haïn Trung haïn

81,94%

ÑVT: tyû ñoàng 1.672

Cô caáu huy ñoäng theo kyø haïn 1.263 2.812 207 61 62

948

4,28%

1.895

1.185

VNÑ

658

2003

4,83%

90,90%

2004

2005

2006

USD Vaøng

2007

Taêng tröôûng huy ñoäng giai ñoaïn 2003-2007

Cô caáu huy ñoäng theo loaïi tieàn

Cô caáu huy ñoäng theo kyø haïn: Ngaân haøng Nam AÙ huy ñoäng voán baèng vieäc ña daïng caùc loaïi kyø haïn (töø khoâng kyø haïn, 1 thaùng ñeán 36 thaùng). Thôøi haïn ngaén töø 12 thaùng trôû xuoáng chieám tyû troïng 81,94%, trung haïn chieám 18,06% trong toång huy ñoäng. Cô caáu kyø haïn huy ñoäng voán ñöôïc Ngaân haøng Nam AÙ ñieàu chænh phuø hôïp theo keá hoaïch söû duïng voán. Cô caáu huy ñoäng theo loaïi tieàn: Ngaân haøng Nam AÙ huy ñoäng voán vôùi caùc loaïi tieàn khaùc nhau nhö: VND, vaøng vaø ngoaïi teä, trong ñoù tieàn göûi VND chieám tyû troïng cao, vaøng vaø ngoaïi teä chieám tyû troïng thaáp hôn. Ngaân haøng Nam AÙ ñaõ chuû ñoäng ñieàu chænh cô caáu voán huy ñoäng theo loaïi tieàn teä, qua coâng cuï laõi suaát, tyû giaù nhaèm ñaùp öùng nhu caàu vaø muïc tieâu kinh doanh ñaït hieäu quaû.

Baùo caùo thöôøng nieân 2007

Soá dö (Tyû ñoàng)

(%) Taêng so vôùi ñaàu naêm

Toång söû duïng voán kinh doanh

4.865,19

36,20%

Trong ñoù:

2.698,70

31,80%

306,79

179,38%

1.521,45

33,60%

338,25

22,55%

Ñaàu tö tín duïng Ñaàu tö chöùng töø coù giaù Tieàn göûi taïi caùc TCTD Voán thanh khoaûn

Toång söû duïng voán kinh doanh cuûa Ngaân haøng Nam AÙ tính ñeán cuoái naêm 2007 ñaït 4.875,19 tyû ñoàng, taêng 35,87% so vôùi ñaàu naêm. Trong ñoù, ñaàu tö tín duïng cuûa Ngaân haøng Nam AÙ ñaït 2.698,70 tyû ñoàng, taêng 31,80% so vôùi ñaàu naêm. Maëc duø, dö nôï tín duïng cuûa Ngaân haøng Nam AÙ coù söï gia taêng trong naêm 2007 vaø vieäc aùp duïng caùc quy ñònh cuûa Ngaân haøng Nhaø nöôùc veà phaân loaïi nôï chaët cheõ hôn, nhöng Ngaân haøng Nam AÙ vaãn khoáng cheá tyû leä nôï xaáu ôû möùc an toaøn 1,64%, thaáp hôn chæ tieâu Ñaïi hoäi ñoàng coå ñoâng ñeà ra (2%) vaø ñaõ thöïc hieän trích laäp döï phoøng ruûi ro tín duïng tính ñeán 31/12/2007 laø 8,06 tyû ñoàng. Ñaàu tö tín duïng chieám tyû troïng chuû yeáu trong hoaït ñoäng söû duïng voán cuûa Ngaân haøng Nam AÙ. Tuy nhieân, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ daàn quan taâm ñeán hoaït ñoäng ñaàu tö chöùng töø coù giaù, cuï theå tính ñeán cuoái naêm khoaûn ñaàu tö naøy ñaït 306,79 tyû ñoàng, taêng 179,38% so vôùi ñaàu naêm. Ñaây laø khoaûn ñaàu tö mang laïi lôïi nhuaän töông ñoái cao cho hoaït ñoäng kinh doanh cuûa Ngaân haøng Nam AÙ.

Hoaït ñoäng söû duïng voán

Chæ tieâu (tính ñeán 31/12/2007)

Taêng tröôûng ñaàu tö giai ñoaïn 2003-2007 338 1521

Voán thanh khoaûn Tieàn göœi taïi caùc TCTD 276

Ñaàu tö chöùng töø coù giaù

1139 307

Ñaàu tö tín duïng

2699

ÑVT: tyû ñoàng 110 2048

100 92 79 1249

64 186 62 794

53 112 9 608

2003

2004

2005

2006

2007

Baùo caùo thöôøng nieân 2007

0.77%

6.49%

2.41%

36.26% 38.08%

Cô caáu tín duïng naêm 2007

55.73%

7.20%

0.04%

Doanh nghieäp coù voán ñaàu tö nöôùc ngoaøi

Trung, daøi haïn

Vaøng

Coâng ty TNHH

Ngaén haïn

USD VNÑ

Doanh nghieäp tö nhaân Kinh teá nhaø nöôùc Kinh teá caù theå

Cô caáu tín duïng theo thaønh phaàn kinh teá

Cô caáu dö nôï tín duïng theo kyø haïn

Cô caáu dö nôï tín duïng theo loaïi tieàn

Ngoaøi ra, Ngaân haøng Nam AÙ luoân ñaûm baûo thöïc hieän ñuùng caùc quy ñònh veà an toaøn trong hoaït ñoäng kinh doanh theo quy ñònh cuûa Ngaân haøng Nhaø nöôùc. Tyû leä an toaøn voán toái thieåu, tyû leä khaû naêng chi traû, traïng thaùi ngoaïi teä döông so vôùi töï coù, tyû leä söû duïng voán cho vieäc ñaàu tö taøi saûn coá ñònh luoân ñöôïc ñaûm baûo. Toùm laïi, naêm 2007, Ngaân haøng Nam AÙ tieáp tuïc phaùt trieån oån ñònh vaø beàn vöõng, caùc chæ tieâu kinh doanh ñeàu taêng tröôûng so vôùi naêm tröôùc, vaø cô baûn Ngaân haøng Nam AÙ ñaõ hoaøn thaønh nhöõng nhieäm vuï lôùn do Ñaïi hoäi ñoàng coå ñoâng laàn thöù 15 ñeà ra. Tính ñeán 31/12/2007, dö nôï cho vay trung vaø daøi haïn cuûa Ngaân haøng Nam AÙ laø 1.027,56 tyû ñoàng, taêng 92,76% so vôùi naêm 2006, chieám 38,08% trong toång dö nôï. Ñieàu naøy cho thaáy Ngaân haøng Nam AÙ ñaõ môû roäng cho vay trung, daøi haïn phuø hôïp vôùi chuû tröông taêng cöôøng cho vay ñaàu tö phaùt trieån saûn xuaát vaø ñaàu tö phaùt trieån haï taàng kyõ thuaät. Dö nôï cho vay chuû yeáu cuûa Ngaân haøng Nam AÙ laø cho vay VND, chieám tyû troïng 91,10% trong toång dö nôï, cho vay USD chieám tyû troïng 6,49% vaø cho vay vaøng chieám 2,41%. Hoaït ñoäng thanh toaùn quoác teá: Doanh soá xuaát nhaäp khaåu cuûa Ngaân haøng Nam AÙ naêm 2007 ñaït 67,61 trieäu USD, taêng 73,64% so vôùi keát quaû thöïc hieän naêm 2006. Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ môû roäng nghieäp vuï thanh toaùn quoác teá taïi moät soá ñôn vò trong heä thoáng, maïng löôùi Ngaân haøng ñaïi lyù ñöôïc gia taêng, ñoàng thôøi Ngaân haøng Nam AÙ ñaõ caäp nhaät toát vaø kòp thôøi caùc quy ñònh môùi veà hoaït ñoäng thanh toaùn quoác teá nhö UCP 600, IBSP 2007. Hoaït ñoäng nguoàn voán: Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ caân ñoái toái öu nguoàn voán, ñaûm baûo toát thanh khoaûn cho hoaït ñoäng kinh doanh, thöïc hieän ñuùng quy ñònh veà vieäc ñaûm baûo khaû naêng chi traû trong toaøn heä thoáng. Hoaït ñoäng treân thò tröôøng lieân ngaân haøng trong naêm 2007 coù söï phaùt trieån ñaùng keå, Ngaân haøng Nam AÙ ñaõ môû roäng moái quan heä vôùi caùc Toå chöùc tín duïng khaùc,

91.10%

61.92%

Baùo caùo thöôøng nieân 2007

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

107.36

ÑVT: tyû ñoàng

53.96

29.12 20.44 14.75

2003

2004

2005

2006

2007

Lôïi nhuaän tröôùc thueá giai ñoaïn 2003-2007

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

Phaùt trieån maïng löôùi

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

Phaùt trieån nguoàn nhaân löïc

Ngoaøi ra, Ngaân haøng Nam AÙ coøn raát quan taâm ñeán coâng taùc ñaøo taïo nhaèm naâng cao trình ñoä nghieäp vuï cho caùn boä nhaân vieân. Trong naêm 2007, Ngaân haøng Nam AÙ ñaõ toå chöùc caùc khoùa ñaøo taïo ngaén haïn cuõng nhö cöû caùn boä tham gia caùc khoùa ñaøo taïo nghieäp vuï taïi tröôøng Ñaïi hoïc Ngaân haøng, tham gia caùc buoåi hoäi thaûo, taäp huaán do NHNN, Hieäp hoäi Ngaân haøng Vieät Nam toå chöùc. Trong xu theá hoäi nhaäp kinh teá quoác teá, coâng ngheä thoâng tin hieän ñaïi vaø caùc chöông trình öùng duïng ñaùp öùng nhu caàu quaûn lyù, toång hôïp, phaân tích döõ lieäu, giao dòch khaùch haøng seõ taïo ñieàu kieän cho hoaït ñoäng cuûa ngaân haøng ngaøy caøng hieäu quaû. Nhaän thaáy vai troø quan troïng cuûa coâng ngheä thoâng tin, trong naêm 2007 Ngaân haøng Nam AÙ ñaõ thöïc hieän hieän ñaïi hoùa coâng ngheä phuïc vuï cho hoaït ñoäng kinh doanh vôùi nhöõng keát quaû ñaït ñöôïc nhö sau:

Hieän ñaïi hoùa coâng ngheä Ngaân haøng

- Hoaøn taát vieäc nhaän chuyeån giao chöông trình loõi phaàn meàm Tifa töø TransInfotech vaø trieån khai söû duïng chöông trình Tifa trong toaøn Ngaân haøng. Beân caïnh ñoù, tieáp tuïc xaây döïng vaø phaùt trieån theâm caùc chöùc naêng quaûn lyù phuø hôïp vôùi nhu caàu phaùt trieån cuûa Ngaân haøng. - Hieän ñaïi hoùa corebanking vôùi muïc tieâu hoaït ñoäng kinh doanh an toaøn vaø ñem laïi tieän ích cho khaùch haøng. - Keát noái maïng heä thoáng (maïng WAN) trong toaøn Ngaân haøng nhaèm ñaùp öùng tieâu chuaån coâng ngheä thoâng tin veà thanh toaùn tröïc tuyeán vaø taäp trung döõ lieäu. - Hoaøn taát thöû nghieäm chöông trình quaûn lyù vôùi Tifa taïi Hoäi sôû.

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

Hoaït ñoäng Marketing

Naêm 2007 laø naêm Ngaân haøng Nam AÙ toå chöùc nhieàu söï kieän lôùn nhö: Ñaïi hoäi ñoàng coå ñoâng thöôøng nieân laàn thöù 15; Ñaïi hoäi coå ñoâng nhieäm kyø V; Leã kyù keát thoûa thuaän hôïp taùc ñoàng haønh giöõa Ngaân haøng Nam AÙ vôùi BIDV; Leã kyû nieäm 15 naêm thaønh laäp Ngaân haøng Nam AÙ. Qua caùc söï kieän lôùn naøy, thöông hieäu cuûa Ngaân haøng Nam AÙ ñaõ ñöôïc quaûng baù roäng raõi. Ngoaøi ra, naêm 2007 Ngaân haøng Nam AÙ tieáp tuïc thöïc hieän caùc hoaït ñoäng coäng ñoàng nhaèm ñöa hình aûnh Ngaân haøng Nam AÙ ñeán vôùi ñoâng ñaûo khaùch haøng nhö taøi trôï chöông trình “Ñi boä vì ngöôøi khuyeát taät ngheøo vaø hieán maùu nhaân ñaïo”; taøi trôï giaûi “Hole in One”; trao hoïc boång “Vì sinh vieân töông lai”; uûng hoä quyõ töø thieän. Vôùi muïc tieâu khoâng ngöøng phaùt trieån kinh doanh, gia taêng lôïi nhuaän moät caùch hieäu quaû vaø ñaûm baûo an toaøn trong heä thoáng, Ngaân haøng Nam AÙ ñaõ taäp trung naâng cao vaø hoaøn thieän heä thoáng kieåm tra, kieåm soaùt noäi boä. Chính nhôø söï kieåm tra, kieåm soaùt naøy ñaõ taïo ñieàu kieän cho hoaït ñoäng Ngaân haøng dieãn ra raát an toaøn.

Taêng cöôøng kieåm tra, kieåm soaùt hoaït ñoäng

Baùo caùo thöôøng nieân 2007

Keá hoaïch kinh doanh naêm 2008

Xaây döïng vaø phaùt trieån Ngaân haøng Nam AÙ nhaèm toái ña hoùa lôïi nhuaän, ñaûm baûo quyeàn lôïi coå ñoâng, ñaùp öùng ngaøy caøng toát hôn nhu caàu cuûa khaùch haøng, phaùt trieån ñoäi nguõ nhaân vieân chaát löôïng cao nhaèm khoâng ngöøng naâng cao naêng löïc caïnh tranh cuûa Ngaân haøng. Töøng böôùc ñöa Ngaân haøng Nam AÙ trôû thaønh ngaân haøng maïnh vôùi ñoäi nguõ caùn boä nhaân vieân chuyeân nghieäp vaø coâng ngheä ngaân haøng hieän ñaïi, höôùng ñeán moät ngaân haøng ña naêng vôùi toác ñoä phaùt trieån nhanh, beàn vöõng, an toaøn vaø hieäu quaû. Caùc chæ tieâu taøi chính: - Voán ñieàu leä ñeán cuoái naêm laø 2.000 tyû ñoàng. - Toång taøi saûn: 10.350 tyû ñoàng. - Toång huy ñoäng: 8.000 tyû ñoàng. Trong ñoù: Thò tröôøng 1: 5.900 tyû ñoàng. Thò tröôøng 2: 2.100 tyû ñoàng. Toång dö nôï: 5.000 tyû ñoàng. Lôïi nhuaän sau thueá: 210 tyû ñoàng. Caùc chæ tieâu veà hoaït ñoäng ñaàu tö taøi chính: - Ñaàu tö goùp voán thaønh laäp Coâng ty ñaàu tö - kinh doanh baát ñoäng saûn vaø Coâng ty baûo hieåm: 60 tyû ñoàng - Goùp voán mua coå phaàn, ñaàu tö taøi chính: 300 tyû ñoàng. - Ñaàu tö vaø kinh doanh chöùng khoaùn: 200 tyû ñoàng. - Ñaàu tö vaø kinh doanh caùc lónh vöïc khaùc: 400 tyû ñoàng. Chæ tieâu keá hoaïch phaùt trieån maïng löôùi : - Soá löôïng chi nhaùnh thaønh laäp môùi laø: 7 Chi nhaùnh, goàm caùc chi nhaùnh sau: Haûi Phoøng, Caàn Thô, Vuõng Taøu, Bieân Hoøa, Bình Döông, Phan Thieát, Ñaø Laït. - Soá löôïng phoøng giao dòch thaønh laäp môùi laø: 22 Phoøng Giao dòch. Ñaàu tö xaây döïng cô baûn vaø mua saém taøi saûn coá ñònh: - Tieán haønh xaây döïng Hoäi sôû môùi taïi ñòa ñieåm 201-203 Caùch Maïng Thaùng 8, Quaän 3, TP. HCM. - Ñaàu tö xaây döïng cho caùc Chi nhaùnh taïi caùc thaønh phoá lôùn nhö Haø Noäi, Haûi Phoøng, Nha Trang, Bình Phöôùc, Caàn Thô vaø moät soá nôi khaùc. - Söûa chöõa, mua saém trang thieát bò cho vieäc thaønh laäp caùc Coâng ty, Chi nhaùnh vaø Phoøng Giao dòch môùi. - Ñaàu tö hieän ñaïi hoùa coâng ngheä thoâng tin vaø ñaàu tö cho hoaït ñoäng kinh doanh theû. Chæ tieâu nguoàn nhaân löïc, toång quyõ löông: - Chæ tieâu nhaân söï ñeán cuoái naêm 2008 laø 1.305 ngöôøi. - Toång quyõ löông trong naêm 2008 taêng 86,48% so vôùi thöïc chi naêm 2007.

Chöông trình haønh ñoäng

Naâng cao naêng löïc taøi chính: - Tieáp tuïc boå sung voán ñieàu leä ñeán cuoái naêm 2008 ñaït 2.000 tyû ñoàng döôùi hình thöùc phaùt haønh coå phieáu môùi ñeå taêng voán. - Luoân ñaûm baûo tyû leä an toaøn voán toái thieåu lôùn hôn 8%. - Ñaûm baûo tyû leä nôï xaáu döôùi 1,8%, nhanh choùng xöû lyù caùc khoaûn nôï xaáu, nhaän daïng nhöõng khoaûn nôï coù daáu hieäu xaáu ñeå coù nhöõng giaûi phaùp xöû lyù hôïp lyù vaø kòp thôøi. - Nghieân cöùu ñeà ra phöông aùn phaùt haønh traùi phieáu nhaèm naâng cao naêng löïc taøi chính, taêng tính thanh khoaûn vaø naâng cao hieäu quaû hoaït ñoäng kinh doanh. - Tìm kieám cô hoäi hôïp taùc vôùi caùc ñoái taùc chieán löôïc trong vaø ngoaøi nöôùc nhaèm taïo ñieàu kieän cho Ngaân haøng Nam AÙ hoaït ñoäng maïnh hôn, goùp phaàn naâng cao thöông hieäu vaø naêng löïc hoaït ñoäng cho nhöõng naêm sau. Ñieàu chænh cô caáu toå chöùc: Nhaèm ñaûm baûo thöïc hieän keá hoaïch hoaït ñoäng kinh doanh naêm 2008, Ngaân haøng Nam AÙ seõ tieán haønh ñieàu chænh cô caáu toå chöùc taïi Hoäi sôû nhaèm xaây döïng heä thoáng toå chöùc coù ñaày ñuû caùc boä phaän tham möu, giuùp Ban ñieàu haønh thöïc hieän moïi hoaït ñoäng kinh doanh theo keá hoaïch ñaõ ñeà ra vôùi caùc thay ñoåi caàn thöïc hieän nhö sau: - Quaûn lyù taäp trung: ñoái vôùi caùc chi nhaùnh vaø coâng ty tröïc thuoäc, thanh toaùn vaø kieåm toaùn noäi boä. - Taùch bieät vaø chuyeân bieät hoùa caùc chöùc naêng: quaûn lyù ruûi ro vaø quaûn lyù kinh doanh, quaûn trò haønh chaùnh vaø quaûn lyù nhaân söï. - Cuûng coá vaø phaùt trieån maïnh caùc maûng hoaït ñoäng: marketing, ngaân quyõ, thu hoài nôï, quaûn trò nhaân söï. - Ña daïng hoùa keânh phaân phoái baùn leû, dòch vuï ngaân haøng hieän ñaïi.

Baùo caùo thöôøng nieân 2007

Ñoái vôùi phaùt trieån nguoàn nhaân löïc: Nguoàn nhaân löïc luoân ñöôïc xem laø taøi saûn quyù baùu nhaát ñoái vôùi ngaân haøng, laø nhaân toá goùp phaàn vaøo söï thaønh coâng vaø phaùt trieån beàn vöõng cuûa Ngaân haøng Nam AÙ. Do ñoù, coâng taùc keá hoaïch phaùt trieån nguoàn nhaân löïc naêm 2008 ñöôïc theå hieän ôû caùc noäi dung sau: - Xaây döïng quy trình tuyeån duïng ñeå ñaûm baûo yeâu caàu veà chaát löôïng cho caùn boä coâng nhaân vieân tuyeån môùi trong naêm 2008. - Xaây döïng höôùng daãn vaø loä trình phaùt trieån söï nghieäp caù nhaân, taïo moâi tröôøng vaø ñieàu kieän laøm vieäc toát nhaát ñeå nhaân vieân phaùt huy toái ña hieäu quaû laøm vieäc. - Xaây döïng baûng moâ taû coâng vieäc cho töøng chöùc danh cuï theå trong heä thoáng. - Ñaåy maïnh coâng taùc ñaøo taïo caùn boä coâng nhaân vieân phoái hôïp vôùi caùc ñôn vò ñaøo taïo chuyeân nghieäp beân ngoaøi nhaèm naâng cao trình ñoä chuyeân moân nghieäp vuï vaø naêng löïc quaûn lyù, ñieàu haønh cuûa caùn boä caùc caáp. - Thöïc hieän coâng taùc thi ñua - khen thöôûng tích cöïc, ñoäng vieân caùn boä nhaân vieân laøm vieäc vôùi traùch nhieäm cao vaø ñöôïc khen thöôûng chính ñaùng, kòp thôøi. Quaûn lyù heä thoáng: Ngaân haøng Nam AÙ tieán haønh xaây döïng quy ñònh veà phaân coâng, phaân caáp quaûn lyù ñieàu haønh minh baïch trong moïi hoaït ñoäng cuûa ngaân haøng, song song vôùi cô cheá kieåm soaùt, quaûn lyù ñöôïc ruûi ro. Vieäc phaân coâng cuï theå xaùc ñònh ñöôïc quyeàn haïn vaø traùch nhieäm caù nhaân, ñoàng thôøi phaùt huy tính saùng taïo trong coâng vieäc. Ñeå cô caáu toå chöùc ñieàu chænh nhö treân vaän haønh vaø hoaït ñoäng hieäu quaû, Ngaân haøng Nam AÙ seõ tieán haønh raø soaùt, ñieàu chænh vaø ban haønh caùc quy cheá, quy trình phuø hôïp theo yeâu caàu tình hình thöïc teá. Ñaëc bieät chuù troïng ñeán caùc quy cheá, quy trình veà saûn phaåm môùi, caùc quy ñònh veà ñaûm baûo an toaøn ñoái vôùi hoaït ñoäng tín duïng, ñaàu tö, kinh doanh theo quy ñònh Ngaân haøng nhaø nöôùc. Coâng taùc coâng ngheä thoâng tin: Vôùi muïc tieâu baûo ñaûm quaûn lyù, ñieàu haønh online tröïc tuyeán trong toaøn heä thoáng Ngaân haøng Nam AÙ vaø keát noái giao dòch ñöôïc vôùi taát caû heä thoáng trong noäi boä ngaønh ngaân haøng phuø hôïp vôùi yeâu caàu phaùt trieån vaø hoäi nhaäp, Ngaân haøng Nam AÙ seõ chuû ñoäng xaây döïng keá hoaïch ñaàu tö vaø phaùt trieån coâng ngheä thoâng tin töø nay ñeán naêm 2012, töø ñoù thaønh laäp döï aùn ñaàu tö phaùt trieån coâng ngheä thoâng tin trong töøng giai ñoaïn ñeå coù cô sôû thöïc hieän ñoàng boä, vöõng chaéc vaø hieäu quaû. Veà phaùt trieån maïng löôùi: Nhaèm naâng cao naêng löïc hoaït ñoäng vaø môû roäng thò phaàn, trong naêm 2008 Ngaân haøng Nam AÙ seõ phaùt trieån maïnh meõ maïng löôùi hoaït ñoäng, töøng böôùc höôùng ñeán muïc tieâu ñöa thöông hieäu Ngaân haøng Nam AÙ coù maët taïi caùc khu vöïc kinh teá troïng ñieåm cuûa caû nöôùc. Ñaàu tö xaây döïng cô sôû vaät chaát, trang thieát bò: Ñeå naâng cao naêng löïc hoaït ñoäng kinh doanh, xaây döïng cô sôû vaät chaát cuûa Ngaân haøng Nam AÙ ngaøy caøng khang trang vaø hieän ñaïi, trong naêm 2008 Ngaân haøng Nam AÙ seõ trieån khai maïnh meõ caùc döï aùn ñaàu tö xaây döïng cô sôû vaät chaát, trang thieát bò cho toaøn heä thoáng. Toång soá voán ñaàu tö taøi saûn coá ñònh luõy keá ñeán cuoái naêm 2008 cuûa Ngaân haøng Nam AÙ khoâng vöôït quaù 50% treân voán töï coù, ñaûm baûo tuaân thuû theo ñuùng quy ñònh cuûa Luaät caùc Toå chöùc Tín duïng. Hoaït ñoäng Marketing: Trong giai ñoaïn hieän nay, hoaït ñoäng Marketing laø hoaït ñoäng thöôøng xuyeân coù aûnh höôûng ñeán hoaït ñoäng kinh doanh cuûa ngaân haøng. Marketing ñöôïc xem nhö coâng cuï ñeå hoã trôï ngaân haøng trong vieäc thöïc hieän toát caùc chæ tieâu kinh doanh. Do ñoù, trong naêm 2008 Ngaân haøng Nam AÙ seõ taäp trung xaây döïng keá hoaïch phaùt trieån Marketing phuø hôïp vôùi tình hình thöïc teá, nhaèm thöïc hieän chính saùch khaùch haøng vaø quaûng baù hình aûnh cuûa Ngaân haøng Nam AÙ treân thò tröôøng taøi chính. Coâng taùc kieåm tra, kieåm soaùt noäi boä: - Khoâng ngöøng taêng cöôøng coâng taùc kieåm tra kieåm soaùt ñoái vôùi moïi hoaït ñoäng cuûa Ngaân haøng Nam AÙ, moïi ruûi ro quan troïng luoân ñöôïc nhaän daïng, ño löôøng, kieåm tra, kieåm soaùt moät caùch lieân tuïc. - Taùch bieät chöùc naêng quaûn lyù ruûi ro vaø quaûn lyù kinh doanh. - Tieán haønh saép xeáp, boá trí heä thoáng kieåm tra, kieåm soaùt noäi boä töông öùng, phuø hôïp vôùi cô caáu toå chöùc quaûn lyù theo chöùc naêng vôùi muïc tieâu quaûn lyù ruûi ro ngaøy caøng chaët cheõ, kòp thôøi vaø hieäu quaû.

Baùo caùo thöôøng nieân 2007

2007

Baùo caùo taøi chính

Baùo caùo thöôøng nieân 2007

Baûng caân ñoái keá toaùn hôïp nhaát ngaøy 31 thaùng 12 naêm 2007 Ñôn vi tính: VND Taøi saûn

Soá cuoái naêm

Soá ñaàu naêm

Tieàn maët, vaøng baïc, ñaù quyù

V.1

225.123.364.969

226.583.581.225

II.

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc

V.2

113.135.835.339

49.421.723.815

III.

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

V.3

1.521.453.321.652

1.138.799.665.119

Tieàn, vaøng göûi taïi caùc TCTD khaùc

1.521.453.321.652

1.138.799.665.119

Cho vay caùc toå chöùc tín duïng khaùc

Döï phoøng ruûi ro cho vay caùc TCTD khaùc

IV.

Chöùng khoaùn kinh doanh

197.000.000.000

Chöùng khoaùn kinh doanh

197.000.000.000

Döï phoøng giaûm giaù chöùng khoaùn kinh doanh

Coâng cuï taøi chính phaùi sinh vaø caùc taøi saûn taøi chính khaùc

VI.

Cho vay khaùch haøng

2.690.632.633.592

2.040.996.835.726

Cho vay khaùch haøng

2.698.695.346.080

2.047.540.759.227

Döï phoøng ruûi ro cho vay khaùch haøng

VII. Chöùng khoaùn ñaàu tö 1

Chöùng khoaùn ñaàu tö saün saøng ñeå baùn

Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn

Döï phoøng giaûm giaù chöùng khoaùn ñaàu tö

VIII. Goùp voán, ñaàu tö daøi haïn

V.4

V.5

V.6

(6.543.923.501) 109.806.944.450

32.550.111

31.861.119

109.757.583.327

109.775.083.331

15.857.326.808

Ñaàu tö vaøo coâng ty con

Voán goùp lieân doanh

Ñaàu tö vaøo coâng ty lieân keát

Ñaàu tö daøi haïn khaùc

15.857.326.808

Döï phoøng giaûm giaù ñaàu tö daøi haïn

78.321.418.096

61.436.067.752

34.235.307.842

25.809.748.654

IX.

Taøi saûn coá ñònh

Taøi saûn coá ñònh höõu hình

- Nguyeân giaù taøi saûn coá ñònh

- Hao moøn taøi saûn coá ñònh

V.7

(8.062.712.488) 109.790.133.438

V.8

53.948.434.132

39.847.967.700

(19.713.126.290)

(14.038.219.046)

Taøi saûn coá ñònh thueâ taøi chính

- Nguyeân giaù taøi saûn coá ñònh

- Hao moøn taøi saûn coá ñònh

Taøi saûn coá ñònh voâ hình

44.086.110.254

35.626.319.098

- Nguyeân giaù taøi saûn coá ñònh

44,850,925,516

36.020.492.762

- Hao moøn taøi saûn coá ñònh

(764.815.262)

(394.173.664)

V.9

304.932.502.397

241.580.605.907

Caùc khoaûn phaûi thu

Taøi saûn coù khaùc V.10

241.911.618.179

205.563.095.807

Caùc khoaûn laõi, phí phaûi thu

V.11

50.606.984.607

27.936.101.519

Taøi saûn thueá TNDN hoaõn laïi

Taøi saûn coù khaùc - Trong ñoù: Lôïi theá thöông maïi

Caùc khoaûn döï phoøng ruûi ro cho caùc taøi saûn coù noäi baûng khaùc Toång coäng taøi saûn

Thuyeát minh

Baùo caùo thöôøng nieân 2007

V.12

12.413.899.611

8.081.408.581

5.240.389.209.483

3.884.482.750.802

Nôï phaûi traû vaø nguoàn voán chuû sôû höõu I.

Caùc khoaûn nôï chính phuû vaø NHNN

II.

Tieàn göûi vaø vay caùc TCTD khaùc

Tieàn göûi cuûa caùc TCTD khaùc

2 3

Thuyeát minh

Soá cuoái naêm

Soá ñaàu naêm 11.000.000.000

1.640.000.000.000

1.227.240.423.800

1.640.000.000.000

1.081.896.500.000

Vay caùc TCTD khaùc

145.343.923.800

Vay TCTD ôû nöôùc ngoaøi

Nhaän voán cho vay ñoàng taøi trôï

III.

Tieàn göûi cuûa khaùch haøng

V.14

2.801.849.647.598

1.894.749.121.793

IV.

Coâng cuï taøi chính phaùi sinh vaø caùc khoaûn nôï taøi chính khaùc V.15

32.104.422.561

24.638.412.000

V.13

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

VI.

Phaùt haønh giaáy tôø coù giaù

VII. Caùc khoaûn nôï khaùc 1

Caùc khoaûn laõi, phí phaûi traû

Thueá TNDN hoaõn laïi phaûi traû

V.16

Caùc khoaûn phaûi traû vaø coâng nôï khaùc

Döï phoøng ruûi ro khaùc (döï phoøng cho coâng nôï tieàm aån vaø cam keát ngoaïi baûng)

V.17

Coäng nôï phaûi traû VIII. Voán vaø caùc quyõ

200.000

99.934.198.481

127.841.691.944

58.401.508.397

43.906.449.697

41.409.714.116

83.892.525.177

122.975.968

42.717.070

4.573.888.468.640

3.285.469.849.537

666.500.740.843

599.012.901.265

575.960.038.642

550.035.298.642

Voán cuûa toå chöùc tín duïng

Voán ñieàu leä

V.18

575.924.740.000

550.000.000.000

Voán ñaàu tö XDCB

V.18

10.126.842

Thaëng dö voán coå phaàn

Coå phieáu quyõ

Coå phieáu öu ñaõi

Voán khaùc

V.18

25.171.800

15.434.662.614

9.837.419.292

Cheânh leäch 2

Quyõ cuûa toå chöùc tín duïng

Cheânh leäch tyû giaù hoái ñoaùi

V.18,19

Cheânh leäch ñaùnh giaù laïi taøi saûn

Lôïi nhuaän chöa phaân phoái/Loã luõy keá

75.106.039.587

39.140.183.331

Lôïi ích cuûa coå ñoâng thieåu soá

5.240.389.209.483

3.884.482.750.802

V.18

Toång coäng nôï phaûi traû vaø nguoàn voán chuû sôû höõu

Chæ tieâu ngoaøi baûng caân ñoái keá toaùn hôïp nhaát Chæ tieâu I.

Nghóa vuï nôï tieàm aån

Baûo laõnh vay voán

Soá cuoái naêm

Soá ñaàu naêm

67.159.953.663

30.951.514.356

Cam keát trong nghieäp vuï L/C

52.769.626.439

26.059.777.673

Baûo laõnh khaùc

14.390.327.224

4.891.736.683

Caùc cam keát ñöa ra

Cam keát taøi trôï cho khaùch haøng

Cam keát khaùc

Ngöôøi laäp baûng

Nguyeãn Thuùy Hoàng

Keá toaùn tröôûng

Traàn Thò Baûo Traâm

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

Tröông Minh Khai

Baùo caùo thöôøng nieân 2007

Baùo caùo keát quaû hoaït ñoäng kinh doanh hôïp nhaát naêm 2007 Ñôn vi tính: VND Chæ tieâu

Thuyeát minh

Naêm nay

Naêm tröôùc

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï

VI.1

507.514.712.904

266.014.822.625

Chi phí laõi vaø caùc khoaûn chi phí töông töï

VI.2

356.197.601.435

170.818.096.514

151.317.111.469

95.196.726.111

6.835.529.165

6.417.832.420

Thu nhaäp laõi thuaàn Thu nhaäp töø hoaït ñoäng dòch vuï

2.775.460.413

1.539.702.466

Laõi/loã thuaàn töø hoaït ñoäng dòch vuï

Chi phí töø hoaït ñoäng dòch vuï VI.3

4.060.068.752

4.878.129.954

Laõi/loã thuaàn töø kinh doanh ngoaïi hoái

VI.4

1.931.519.391

3.075.826.326

Laõi/loã thuaàn töø mua baùn chöùng khoaùn kinh doanh

Laõi/loã thuaàn töø mua baùn chöùng khoaùn ñaàu tö

17.785.942.164

3.596.331.172

600.000

Thu nhaäp töø hoaït ñoäng khaùc

VI.5

Chi phí töø hoaït ñoäng khaùc Laõi/loã thuaàn töø hoaït ñoäng khaùc

17.785.342.164

3.595.731.172

Thu nhaäp töø goùp voán, mua coå phaàn

VI.6

22.700.000.000

6.390.000.000

Chi phí hoaït ñoäng

VI.7

80.645.136.084

51.156.900.219

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

117.148.905.692

Chi phí döï phoøng ruûi ro tín duïng Toång lôïi nhuaän tröôùc thueá Chi phí thueá thu nhaäp doanh nghieäp hieän haønh

VIII.2

Chi phí thueá thu nhaäp doanh nghieäp hoaõn laïi

61.979.513.344

9.862.492.001

8.017.359.962

107.286.413.691

53.962.153.382

32.180.374.104

15.148.902.947

Chi phí thueá thu nhaäp doanh nghieäp

32.180.374.104

15.148.902.947

Lôïi nhuaän sau thueá

75.106.039.587

38.813.250.435

Lôïi ích cuûa coå ñoâng thieåu soá Laõi cô baûn treân coå phieáu

VI.8

1.315

2.588

TP. Hoà Chí Minh, ngaøy 24 thaùng 01 naêm 2008 Ngöôøi laäp baûng

Nguyeãn Thuùy Hoàng

Baùo caùo thöôøng nieân 2007

Keá toaùn tröôûng

Traàn Thò Baûo Traâm

Toång Giaùm ñoác

Tröông Minh Khai

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

Naêm nay

Naêm tröôùc

107.286.413.691

53.962.153.382

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

6.048.482.168

4.893.569.889

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

9.159.706.281

7.511.060.549

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

(311.765.663.633)

(146.751.645.309)

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

220.033.442.083

131.560.828.644

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

(13.664.714.850)

(5.400.000)

(22.700.000.000)

(14.697.966.194)

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG SAÛN XUAÁT, KINH DOANH Lôïi nhuaän tröôùc thueá Ñieàu chænh cho caùc khoaûn:

(Laõi)/loã do thanh lyù baát ñoäng saûn ñaàu tö (Laõi)/loã do thanh lyù caùc khoaûn ñaàu tö/ goùp voán vaøo daøi haïn vaøo ñôn vò khaùc, laõi, coå töùc nhaän ñöôïc, lôïi nhuaän ñöôïc chia töø HÑ ñaàu tö, goùp voán daøi haïn Cheânh leäch tyû giaù hoái ñoaùi chöa thöïc hieän Caùc ñieàu chænh khaùc

(112.889.358)

(5.602.334.260)

36.359.711.603

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

(480.000.000.000)

(100.000.000.000)

(Taêng)/Giaûm caùc khoaûn kinh doanh chöùng khoaùn

(197.000.000.000)

(40.076.445.000)

(651.154.586.853)

(798.711.932.490)

289.094.780.545

125.070.515.440

Lôïi nhuaän kinh doanh tröôùc nhöõng thay ñoåi veà taøi saûn vaø coâng nôï hoaït ñoäng Nhöõng thay ñoåi veà taøi saûn vaø coâng nôï hoaït ñoäng Nhöõng thay ñoåi veà taøi saûn hoaït ñoäng

(Taêng)/Giaûm caùc coâng cuï taøi chính phaùi sinh vaø caùc taøi saûn taøi chính khaùc (Taêng)/Giaûm cho vay ñoái vôùi khaùch haøng (Taêng)/Giaûm laõi, phí phaûi thu (Giaûm)/Taêng nguoàn döï phoøng ñeå buø ñaép toån thaát caùc khoaûn

(7.560.658.396)

(2.628.043.848)

(40.681.013.402)

(189.736.892.772)

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

(11.000.000.000)

(8.000.000.000)

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

412.759.576.200 1.058.520.423.800

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

907.100.525.805

709.554.585.034

7.466.010.561

5.828.912.000

(205.538.383.383)

(109.699.845.914)

(47.142.928.863)

64.283.346.943

(29.259.012.046)

750.764.334.796

(27.520.256.302)

(10.426.844.602)

(Taêng)/Giaûm khaùc veà taøi saûn hoaït ñoäng Nhöõng thay ñoåi veà coâng nôï hoaït ñoäng

Taêng/(Giaûm) caùc coâng cuï taøi chính phaùi sinh vaø caùc khoaûn nôï taøi chính khaùc Taêng/(Giaûm) voán taøi trôï uûy thaùc, ñaàu tö, vaø cho vay maø TCTD chòu ruûi ro Taêng/(Giaûm) phaùt haønh giaáy tôø coù giaù (ngoaïi tröø GTCG ñöôïc tính vaøo hoaït ñoäng taøi chính) Taêng/(Giaûm) laõi, phí phaûi traû Taêng/(Giaûm khaùc veà coâng nôï hoaït ñoäng Löu chuyeån tieàn thuaàn töø hoaït ñoäng kinh doanh tröôùc thueá thu nhaäp doanh nghieäp Thueá thu nhaäp doanh nghieäp ñaõ noäp Chi töø caùc Quyõ cuûa TCTD Löu chuyeån tieàn thuaàn töø hoaït ñoäng kinh doanh

(7.470.873.201)

(4.126.015.924)

(64.250.141.549)

736.211.474.270

Baùo caùo thöôøng nieân 2007

Löu chuyeån tieàn teä naêm 2007 (tieáp theo) Chæ tieâu

Naêm nay

Naêm tröôùc

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG ÑAÀU TÖ 1. Mua saém taøi saûn coá ñònh

(27.067.917.662)

(7.438.699.950)

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

17.798.800.000

5.400.000

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

4. Mua saém baát ñoäng saûn ñaàu tö

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

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

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

(15.700.000.000)

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

15.726.811.012

9.000.000.000

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

22.700.000.000

14.697.966.194

29.157.693.350

564.666.244

Löu chuyeån tieàn thuaàn töø hoaït ñoäng ñaàu tö

Baùo caùo thöôøng nieân 2007

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

Thuyeát minh

Naêm nay

Naêm tröôùc

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

400.000.000.000

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

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

LÖU CHUYEÅN TIEÀN TÖØ HOAÏT ÑOÄNG TAØI CHÍNH

Coå töùc traû cho coå ñoâng, lôïi nhuaän ñaõ chia

(14.192.932.474)

Tieàn chi ra mua coå phieáu quyõ

Tieàn thu ñöôïc do baùn coå phieáu quyõ

Löu chuyeån tieàn thuaàn töø hoaït ñoäng taøi chính Löu chuyeån tieàn thuaàn trong naêm Tieàn vaø caùc khoaûn töông ñöông tieàn ñaàu naêm

VII.1

385.807.067.526

(35.092.448.199)

1.122.583.208.040

1.314.804.970.159

192.221.762.119

1.279.712.521.960

1.314.804.970.159

Ñieàu chænh aûnh höôûng cuûa thay ñoåi tyû giaù Tieàn vaø caùc khoaûn töông ñöông tieàn cuoái naêm

VII.1

TP. Hoà Chí Minh, ngaøy 04 thaùng 01 naêm 2008 Ngöôøi laäp baûng

Nguyeãn Thuùy Hoàng

Keá toaùn tröôûng

Traàn Thò Baûo Traâm

Toång Giaùm ñoác

Tröông Minh Khai

Baùo caùo thöôøng nieân 2007

Baûng thuyeát minh baùo caùo taøi chính hôïp nhaát Ñaëc ñieåm hoaït ñoäng

Hình thöùc sôû höõu voán: Ngaân haøng thöông maïi coå phaàn. Lónh vöïc kinh doanh: Ngaân haøng Toång soá coâng ty con: 01, trong ñoù: soá löôïng caùc coâng ty con ñöôïc hôïp nhaát: 01. Thoâng tin veà coâng ty con ñöôïc hôïp nhaát Teân Coâng ty Coâng ty Quaûn lyù nôï vaø khai thaùc taøi saûn – NH TMCP Nam AÙ

Naêm taøi chính, ñôn vò tieàn teä söû duïng trong keá toaùn

Ñòa chæ

Tyû leä lôïi ích

Quyeàn bieåu quyeát

97 Nguyeãn Thaùi Bình, Quaän 1, TP. HCM

100%

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

Chuaån möïc vaø cheá ñoä keá toaùn aùp duïng

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

Chính saùch keá toaùn aùp duïng taïi ngaân haøng

Cô sôû laäp baùo caùo taøi chính hôïp nhaát Baùo caùo taøi chính hôïp nhaát ñöôïc trình baøy theo nguyeân taéc giaù goác. Cô sôû hôïp nhaát Caùc coâng ty con ° Caùc coâng ty con laø ñôn vò chòu söï kieåm soaùt cuûa coâng ty meï. Söï kieåm soaùt toàn taïi khi coâng ty meï coù khaû naêng tröïc tieáp hay giaùn tieáp chi phoái caùc chính saùch taøi chính vaø hoaït ñoäng cuûa coâng ty con ñeå thu ñöôïc caùc lôïi ích kinh teá töø caùc hoaït ñoäng naøy. Khi ñaùnh giaù quyeàn kieåm soaùt coù tính ñeán quyeàn bieåu quyeát tieàm naêng hieän ñang coù hieäu löïc hay seõ ñöôïc chuyeån ñoåi. ° Keát quaû hoaït ñoäng kinh doanh cuûa coâng ty con seõ ñöôïc ñöa vaøo baùo caùo taøi chính hôïp nhaát keå töø ngaøy mua, laø ngaøy coâng ty meï thöïc söï naém quyeàn kieåm soaùt coâng ty con. Keát quaû hoaït ñoäng kinh doanh cuûa coâng ty con bò thanh lyù ñöôïc ñöa vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh hôïp nhaát cho tôùi ngaøy thanh lyù. ° Cheânh leäch giöõa chi phí ñaàu tö vaø phaàn sôû höõu cuûa Ngaân haøng trong giaù trò hôïp lyù cuûa taøi saûn thuaàn coù theå xaùc ñònh ñöôïc cuûa coâng ty con taïi ngaøy mua ñöôïc ghi nhaän laø lôïi theá thöông maïi. ° Soá dö caùc taøi khoaûn treân Baûng caân ñoái keá toaùn giöõa caùc ñôn vò trong cuøng Nhoùm Coâng ty, caùc giao dòch noäi boä, caùc khoaûn laõi noäi boä chöa thöïc hieän phaùt sinh töø caùc giao dòch naøy ñöôïc loaïi tröø khi laäp baùo caùo taøi chính hôïp nhaát. Caùc khoaûn loã chöa thöïc hieän phaùt sinh töø caùc giao dòch noäi boä cuõng ñöôïc loaïi boû tröø khi chí phí taïo neân khoaûn loã ñoù khoâng theå thu hoài ñöôïc. Chuyeån ñoåi ngoaïi teä Nghieäp vuï kinh teá phaùt sinh trong naêm baèng ngoaïi teä, chuû yeáu laø Dollar Myõ (USD), ñöôïc qui ñoåi sang Ñoàng Vieät Nam (VND) theo tæ giaù lieân ngaân haøng vaøo thôøi ñieåm cuoái thaùng, cuoái naêm. Cheânh leäch tyû giaù cuûa caùc nghieäp vuï ngoaïi teä phaùt sinh trong kyø vaø ñaùnh giaù laïi soá dö ngoaïi teä cuoái kyø ñöôïc ñöa vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh. Tyû giaù qui ñoåi taïi thôøi ñieåm ngaøy 31/12/2006: 16.061 VND/USD 31.034 VND/GBP 133,1 VND/JPY 13.604 VND/CAD 12.489 VND/AUD 21.111 VND/EUR Vaøng: 1.223.000 VND/chæ. Tyû giaù qui ñoåi taïi thôøi ñieåm ngaøy 31/12/2007: 16.012 VND/USD 31.794 VND/GBP 138,91 VND/JPY 16.225 VND/CAD 13.984 VND/AUD 23.432 VND/EUR 14.124 VND/CHF 2.929 VND/NOK Vaøng: 1.604.000 VND/chæ. Keá toaùn thu nhaäp laõi, ngöøng döï thu laõi vaø chi phí laõi Doanh thu ñöôïc ghi nhaän khi Ngaân haøng coù khaû naêng thu ñöôïc lôïi ích kinh teá töø giao dòch vaø doanh thu ñöôïc xaùc ñònh töông ñoái chaéc chaén. Trong ñoù caùc khoaûn laõi ñöôïc ghi nhaän vaøo thu nhaäp ñoái vôùi caùc khoaûn nôï xaùc ñònh laø coù khaû naêng thu hoài caû goác, laõi ñuùng thôøi haïn.

Baùo caùo thöôøng nieân 2007

Ñoái vôùi soá laõi phaûi thu ñaõ haïch toaùn thu nhaäp nhöng ñeán kyø haïn traû nôï (goác, laõi) khaùch haøng khoâng traû ñöôïc ñuùng haïn Ngaân haøng haïch toaùn vaøo chi phí hoaït ñoäng vaø theo doõi ngoaïi baûng ñeå ñoân ñoác thu. Khi thu ñöôïc thì haïch toaùn vaøo thu hoaït ñoäng kinh doanh. Caùc khoaûn chi phí traû laõi vay, tieàn göûi ñöôïc haïch toaùn treân cô sôû döï chi. Cho vay Tieàn vay ñöôïc ghi nhaän khi ngaân haøng vaø khaùch haøng kyù keát hôïp ñoàng vay, kheá öôùc nhaän nôï vaø ngaân haøng giaûi ngaân cho khaùch haøng. Phöông thöùc cho vay ñoái vôùi ñôn vò vaø caù nhaân döôùi caùc hình thöùc: vay töøng laàn, theo haïn möùc, theo döï aùn ñaàu tö, vay hôïp voán, vay traû goùp hoaëc caàm coá baèng soå tieát kieäm, chöùng töø coù giaù,... Hình thöùc ñaûm baûo tieàn vay laø baèng theá chaáp, caàm coá taøi saûn, baûo laõnh hoaëc döôùi hình thöùc tín chaáp. Nguyeân taéc phaân loaïi nôï vay vaø ñaùnh giaù ruûi ro tín duïng caên cöù vaøo quy ñònh taïi Ñieàu 6, Quyeát ñònh 493/2005/QÑ/NHNN ngaøy 22 thaùng 04 naêm 2005 vaø Quyeát ñònh soá 18 ngaøy 25 thaùng 4 naêm 2007 cuûa Thoáng ñoác Ngaân haøng Nhaø nöôùc Vieät Nam. Cô sôû trích laäp döï phoøng ruûi ro tín duïng caên cöù vaøo caùc khoaûn nôï vay ñaõ ñöôïc phaân loaïi. Vieäc tính toaùn döï phoøng caên cöù vaøo quy ñònh taïi Ñieàu 8 vaø tyû leä trích laäp caên cöù vaøo quy ñònh taïi khoaûn 4, Ñieàu 6 cuûa 2 Quyeát ñònh neâu treân. Tyû leä trích laäp cuï theå nhö sau: Nhoùm 1: 0% Nhoùm 2: 5% Nhoùm 3: 20% Nhoùm 4: 50% Nhoùm 5: 100% Möùc döï phoøng chung ñöôïc baèng 0,75% toång giaù trò caùc khoaûn nôï töø nhoùm 1 ñeán nhoùm 4, trích trong voøng 5 naêm vôùi tyû leä cuï theå nhö sau: Naêm thöù 1: 8% Naêm thöù 2: 32% Naêm thöù 3: 56% Naêm thöù 4: 80% Naêm thöù 5: 100% Vieäc xoùa soå caùc khoaûn nôï vay khoâng coù khaû naêng thu hoài caên cöù vaøo caùc quy ñònh cuûa 2 Quyeát ñònh neâu treân. Kinh doanh vaø ñaàu tö chöùng khoaùn Caùc khoaûn kinh doanh chöùng khoaùn, ñaàu tö vaøo chöùng khoaùn, coâng ty con, coâng ty lieân keát vaø cô sôû kinh doanh ñoàng kieåm soaùt ñöôïc ghi nhaän theo giaù goác. Döï phoøng giaûm giaù chöùng khoaùn ñöôïc laäp cho töøng loaïi chöùng khoaùn ñöôïc töï do mua, baùn treân thò tröôøng maø taïi thôøi ñieåm kieåm keâ, laäp baùo caùo taøi chính coù giaù thò tröôøng giaûm xuoáng so vôùi giaù goác ghi treân soå keá toaùn. Chöùng khoaùn khoâng ñöôïc mua baùn töï do treân thò tröôøng thì khoâng ñöôïc laäp döï phoøng. Taøi saûn coá ñònh voâ hình + Quyeàn söû duïng ñaát Quyeàn söû duïng ñaát laø toaøn boä caùc chi phí thöïc teá Ngaân haøng ñaõ chi ra coù lieân quan tröïc tieáp tôùi ñaát söû duïng, bao goàm: tieàn chi ra ñeå coù quyeàn söû duïng ñaát, chi phí cho ñeàn buø, giaûi phoùng maët baèng, san laáp maët baèng, leä phí tröôùc baï... Quyeàn söû duïng ñaát khoâng xaùc ñònh thôøi haïn neân khoâng tính khaáu hao. + Phaàn meàm maùy tính Phaàn meàm maùy tính laø toaøn boä caùc chi phí maø Ngaân haøng ñaõ chi ra tính ñeán thôøi ñieåm ñöa phaàn meàm vaøo söû duïng. Phaàn meàm maùy vi tính ñöôïc khaáu hao trong voøng 3 - 5 naêm. Taøi saûn coá ñònh höõu hình + Nguyeân taéc ñaùnh giaù ° Taøi saûn coá ñònh ñöôïc xaùc ñònh theo nguyeân giaù tröø (-) giaù trò hao moøn luõy keá. ° Nguyeân giaù taøi saûn coá ñònh bao goàm giaù mua vaø nhöõng chi phí coù lieân quan tröïc tieáp ñeán vieäc ñöa taøi saûn vaøo hoaït ñoäng. Nhöõng chi phí mua saém, caûi tieán vaø taân trang ñöôïc tính vaøo giaù trò taøi saûn coá ñònh. Rieâng nhöõng chi phí baûo trì söûa chöõa ñöôïc tính vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh. ° Khi taøi saûn ñöôïc baùn hay thanh lyù, nguyeân giaù vaø khaáu hao luõy keá ñöôïc xoùa soå vaø baát kyø caùc khoaûn laõi loã naøo phaùt sinh do vieäc thanh lyù ñeàu ñöôïc tính vaøo Baùo caùo keát quaû hoaït ñoäng kinh doanh. + Phöông phaùp khaáu hao aùp duïng Taøi saûn coá ñònh khaáu hao theo phöông phaùp ñöôøng thaúng ñeå tröø daàn nguyeân giaù taøi saûn coá ñònh theo thôøi gian höõu duïng öôùc tính, phuø hôïp vôùi höôùng daãn taïi Quyeát ñònh soá 206/2003/QÑ-BTC ngaøy 12 thaùng 12 naêm 2003 cuûa Boä Tröôûng Boä Taøi chính. Cuï theå nhö sau: - Nhaø cöûa, vaät kieán truùc: 5 - 25 naêm - Phöông tieän vaän taûi: 5 -10 naêm - Maùy moùc, thieát bò vaên phoøng: 3 - 8 naêm - Duïng cuï quaûn lyù: 3 - 5 naêm - Taøi saûn khaùc: 3 - 7 naêm Taøi saûn thueâ hoaït ñoäng Thueâ taøi saûn ñöôïc phaân loaïi laø thueâ hoaït ñoäng neáu phaàn lôùn ruûi ro vaø lôïi ích gaén lieàn vôùi quyeàn sôû höõu taøi saûn thuoäc veà ngöôøi cho thueâ. Chi phí thueâ hoaït ñoäng ñöôïc phaûn aùnh vaøo chi phí theo phöông phaùp ñöôøng thaúng cho suoát thôøi haïn thueâ taøi saûn, khoâng phuï thuoäc vaøo phöông thöùc thanh toaùn tieàn thueâ. Thueá thu nhaäp doanh nghieäp Ngaân haøng coù nghóa vuï noäp thueá thu nhaäp doanh nghieäp vôùi thueá suaát 28% treân thu nhaäp chòu thueá. Chi phí thueá thu nhaäp doanh nghieäp trong kyø bao goàm thueá thu nhaäp hieän haønh vaø thueá thu nhaäp hoaõn laïi. Thueá thu nhaäp hieän haønh laø khoaûn thueá ñöôïc tính döïa treân thu nhaäp chòu thueá trong kyø vôùi thueá suaát aùp duïng taïi ngaøy cuoái kyø. Thu nhaäp chòu thueá cheânh leäch so vôùi lôïi nhuaän keá toaùn laø do ñieàu chænh caùc khoaûn cheânh leäch taïm thôøi giöõa thueá vaø keá toaùn cuõng nhö ñieàu chænh caùc khoaûn thu nhaäp vaø chi phí khoâng phaûi chòu thueá hay khoâng ñöôïc khaáu tröø. Voán chuû sôû höõu Nguoàn voán kinh doanh cuûa Ngaân haøng bao goàm: ° Voán ñaàu tö cuûa chuû sôû höõu: ñöôïc ghi nhaän theo soá thöïc teá ñaõ ñaàu tö cuûa caùc coå ñoâng. ° Thaëng dö voán coå phaàn: cheânh leäch do phaùt haønh coå phieáu cao hôn meänh giaù. ° Voán khaùc: hình thaønh do boå sung töø keát quaû hoaït ñoäng kinh doanh, giaù trò caùc taøi saûn ñöôïc taëng, bieáu, taøi trôï vaø ñaùnh giaù laïi taøi saûn. ° Caùc quyõ ñöôïc trích laäp vaø söû duïng theo caùc quy ñònh taïi Nghò ñònh 146/2005/NÑ-CP ngaøy 23/11/2005 cuûa Chính phuû vaø Ñieàu leä cuûa Ngaân haøng. Beân lieân quan Caùc beân ñöôïc coi laø lieân quan neáu moät beân coù khaû naêng kieåm soaùt hoaëc coù aûnh höôûng ñaùng keå ñoái vôùi beân kia trong vieäc ra quyeát ñònh caùc chính saùch taøi chính vaø hoaït ñoäng.

Baùo caùo thöôøng nieân 2007

Thoâng tin boå sung cho caùc khoaûn muïc trình baøy trong baûng caân ñoái keá toaùn hôïp nhaát Tieàn maët, vaøng baïc, ñaù quyù Soá cuoái naêm

Soá ñaàu naêm

Tieàn maët baèng VND

71.346.901.200

40.179.047.799

Tieàn maët baèng ngoaïi teä

25.958.515.769

12.673.316.951

Vaøng

127.817.948.000

173.731.216.475

Coäng

225.123.364.969

226.583.581.225

Soá cuoái naêm

Soá ñaàu naêm

45.089.794.230

17.739.518.547

627.679.027

1.313.174.217

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc Chi Nhaùnh TP. HCM – VND Chi Nhaùnh TP. Haø Noäi Sôû giao dòch NHNN – USD (Hoäi sôû)

14.597.724.568

8.423.690.625

Sôû giao dòch NHNN – VND (Hoäi sôû)

39.859.348.413

15.914.789.781

Sôû giao dòch NHNN (CN Haø Noäi)

50.692.597

18.672.597

Chi nhaùnh Nha Trang

9.620.394.128

1.923.319.871

Chi Nhaùnh Quy Nhôn

2.491.479.713

3.955.802.333

Chi Nhaùnh Bình Phöôùc

354.158.147

132.755.844

39.609.875

Chi nhaùnh Thuû Ñöùc Chi nhaùnh Ñaø Naüng Coäng

404.954.641

113.135.835.339

49.421.723.815

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

Tieàn göûi taïi caùc toå chöùc tín duïng khaùc Soá cuoái naêm

Soá ñaàu naêm

21.305.120.605

9.303.603.447

10.864.543.371

7.335.107.498

Chi nhaùnh Haø Noäi

6.437.117.957

104.503.047

Chi nhaùnh Nha Trang

3.019.036.793

115.515.812

Chi nhaùnh Quy Nhôn

187.028.779

1.142.609.537

604.038.592

762.470.825

1.828.961

Tieàn göûi khoâng kyø haïn Hoäi sôû

Chi nhaùnh Vaïn Ninh Chi nhaùnh Bình Phöôùc Chi nhaùnh Ñaø Naüng Tieàn göûi khoâng kyø haïn taïi NH nöôùc ngoaøi Hoäi sôû Tieàn göûi coù kyø haïn

14.417.211.672

8.335.601.047

14.417.211.672

1.491.812.600.000

1.115.078.850.000

Hoäi sôû

617.009.000.000

782.956.850.000

CN Haø Noäi

874.803.600.000

332.122.000.000

1.521.453.321.652

1.138.799.665.119

Coäng

34.922.880 8.335.601.047

Baùo caùo thöôøng nieân 2007

Chöùng khoaùn kinh doanh Chöùng khoaùn do toå chöùc tín duïng trong nöôùc phaùt haønh (1) Chöùng khoaùn do toå chöùc kinh teá trong nöôùc phaùt haønh Coäng

(2)

Soá cuoái naêm

Soá ñaàu naêm

135.000.000.000

62.000.000.000

197.000.000.000

(1) Coå phieáu do Ngaân haøng TMCP Kyõ thöông Vieät nam phaùt haønh do Ngaân haøng Nam AÙ mua vaø seõ baùn laïi trong 6 thaùng sau cho chính ngöôøi baùn vôùi giaù baùn baèng giaù mua coäng vôùi laõi suaát laø 1,1%/thaùng. Soá löôïng coå phieáu vôùi meänh giaù 10.000 ñoàng laø 992.500, coøn coå phieáu meänh giaù 5 trieäu ñoàng laø 4.015 coå phieáu. (2) Coå phieáu cuûa Coâng ty Laâm thuûy saûn Beán Tre phaùt haønh, vôùi meänh giaù laø 10.000 ñoàng, soá löôïng laø 1 trieäu coå phieáu. Coå phieáu cuûa Coâng ty CP Ñaàu tö xaây döïng vaø khai thaùc coâng trình giao thoâng 584, vôùi meänh giaù laø 10.000 ñoàng, soá löôïng laø 600.000 coå phieáu.

Cho vay Cho vay caùc toå chöùc kinh teá, caù nhaân trong nöôùc Cho vay chieát khaáu thöông phieáu vaø caùc giaáy tôø coù giaù Cho vay baèng voán taøi trôï, uûy thaùc ñaàu tö

Soá cuoái naêm

Soá ñaàu naêm

2.669.424.153.425

1.682.594.735.410

2.825.172.491

338.502.680.817

26.250.270.164

25.464.493.000

Cho vay ñoái vôùi caùc toå chöùc, caù nhaân nöôùc ngoaøi Nôï cho vay ñöôïc khoanh vaø nôï chôø xöû lyù Coäng

195.750.000

978.850.000

2.698.695.346.080

2.047.540.759.227

Phaân tích chaát löôïng nôï vay Nhoùm nôï

Soá cuoái naêm

Soá ñaàu naêm

Nhoùm 1

2.603.568.871.835

1.892.749.960.970

Nhoùm 2

50.768.437.098

121.588.429.405

Nhoùm 3

10.394.709.000

3.060.898.500

Nhoùm 4

6.130.762.823

13.740.940.600

Nhoùm 5

27.832.565.324

16.400.529.752

2.698.695.346.080

2.047.540.759.227

Soá cuoái naêm

Soá ñaàu naêm

Nôï ngaén haïn

1.670.935.291.465

1.513.473.397.004

Nôï trung haïn

898.588.715.943

489.975.542.963

Nôï daøi haïn

128.975.588.672

43.112.969.260

195.750.000

978.850.000

2.698.695.346.080

2.047.540.759.227

Coäng

Phaân tích dö nôï theo thôøi gian

Nôï chôø xöû lyù Coäng

Baùo caùo thöôøng nieân 2007

Phaân tích dö nôï theo loaïi hình doanh nghieäp Dieãn giaûi Coâng ty TNHH Nhaø nöôùc

Soá cuoái naêm

Soá ñaàu naêm

337.780.407.690

Coâng ty coå phaàn khaùc

274.890.188.125

89.595.776.566

Coâng ty TNHH tö nhaân

681.031.272.851

385.019.467.007

20.818.293.399

15.600.213.126

1.007.537.050

1.748.283.575

Doanh nghieäp coù voán ñaàu tö nöôùc ngoaøi Doanh nghieäp Nhaø nöôùc Trung öông

190.049.995.268

113.117.420.000

Kinh teá caùc theå

Doanh nghieäp tö nhaân

1.525.898.059.387

1.099.679.191.263

Kinh teá taäp theå

5.000.000.000

2.698.695.346.080

2.047.540.759.227

TOÅNG COÄNG

Phaân tích dö nôï theo ngaønh kinh teá (trieäu ñoàng) Dieãn giaûi Hoaït ñoäng kinh doanh taøi saûn vaø dòch vuï tö vaán Coâng nghieäp cheá bieán Coâng nghieäp khai thaùc moû

Soá cuoái naêm

Soá ñaàu naêm

17.553.889.749

118.028.870.245

132.666.327.478

52.654.618.126

200.000.000

1.000.000.000

Giaùo duïc vaø ñaøo taïo

2.476.000.000

491.116.300

Hoat ñoäng caùc toå chöùc vaø ñoaøn theå Quoác teá

2.277.680.000

8.252.440.000

112.703.631.250

285.370.609.960

Hoaït ñoäng dòch vuï taïi hoä gia ñình Hoat ñoäng khoa hoïc vaø coâng ngheä Hoaït ñoäng phuïc vuï caù nhaân vaø coâng coäng

26.676.000.000

8.270.000.000

1.479.437.152.969

519.267.578.437

57.903.250.000

411.354.769.890

8.529.164.000

6.776.945.200

315.804.771.392

22.993.150.000

30.667.314.050

39.521.640.525

Hoaït ñoäng taøi chính Hoaït ñoäng vaên hoùa theå thao Khaùch saïn vaø nhaø haøng Noâng nghieäp vaø laâm nghieäp SX vaø PP ñieän khí ñoát vaø nöôùc Thöông nghieäp, söûa chöõa xe, ñoäng cô, xe maùy Thuûy saûn Vaän taûi, kho baõi, thoâng tin lieân laïc Xaây döïng Y teá vaø hoaït ñoäng cöùu trôï xaõ hoäi TOÅNG COÄNG

6.668.000.000

3.050.000.000

187.859.654.220

390.376.058.781

7.100.000.000

17.924.161.000

50.730.227.200

52.076.892.063

224.416.177.600

105.505.908.700

35.026.106.172

4.626.000.000

2.698.695.346.080

2.047.540.759.227

Döï phoøng ruûi ro tín duïng Kyø naøy Döï phoøng ruûi ro-cho vay

Soá ñaàu naêm

Taêng trong naêm

Giaûmtrong naêm

Soá cuoái naêm

6.425.429.867

17.190.177.253

15.660.265.491

7.955.341.629

Döï phoøng cuï theå

4.016.097.091

13.304.039.300

15.652.226.901

1.667.909.490

Döï phoøng chung

2.409.332.776

3.886.137.953

8.038.590

6.287.432.139

Döï phoøng ruûi ro-Chieát khaáu

66.578.396

344.457.634

408.735.772

2.300.258

Döï phoøng chung

66.578.396

344.457.634

408.735.772

2.300.258

Döï phoøng ruûi ro-Vay baèng voán taøi trôï, uûy thaùc

51.915.238

106.354.198

53.198.835

105.070.601

Döï phoøng cuï theå

25.435.000

56.330.860

46.840.860

34.925.000

Döï phoøng chung

26.480.238

50.023.338

6.357.975

70.145.601

Döï phoøng ruûi ro-Nôï chôø xöû lyù

TOÅNG COÄNG

6.543.923.501

17.640.989.085

16.122.200.098

8.062.712.488

Baùo caùo thöôøng nieân 2007

Chöùng khoaùn ñaàu tö Chöùng khoaùn ñaàu tö saün saøng ñeå baùn Traùi phieáu chính phuû Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn

(1)

Traùi phieáu chính phuû & ñoâ thò Coäng

Soá cuoái naêm

Soá ñaàu naêm

32.550.111

31.861.119

32.550.111

31.861.119

109.757.583.327

109.775.083.331

109.757.583.327

109.775.083.331

109.790.133.438

109.806.944.450

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

Goùp voán ñaàu tö daøi haïn Soá cuoái naêm

Soá ñaàu naêm

Ñaàu tö vaøo coâng ty lieân keát

Ñaàu tö daøi haïn khaùc

15.857.326.808

Döï phoøng giaûm giaù ñaàu tö daøi haïn

Coäng

15.857.326.808

Danh saùch caùc ñôn vò nhaän ñaàu tö Soá cuoái naêm

Soá ñaàu naêm

10.750.000.000

TMCP Gia Ñònh

10.750.000.000

Coâng ty

5.107.326.808

Ngaân haøng

CP Ñaïi Nam AÙ

157.326.808

Coâng ty CP chöùng khoaùn Vinasecurities

4.950.000.000

Toång coäng

15.857.326.808

Ngaân haøng ñaõ chuyeån nhöôïng voán coå phaàn nhö sau Ñôn vò TMCP Gia Ñònh CP chöùng khoaùn Vinasecurities Coäng

Soá coå phaàn

Giaù baùn

Giaù voán

Laõi

10.750

16.125.000.000

10.750.000.000

5.375.000.000

495.000

22.275.000.000

4.950.000.000

17.325.000.000

38.400.000.000

15.700.000.000

22.700.000.000

vaø xöû lyù voán goùp Ñôn vò CP Ñaïi Nam AÙ

Giaù trò thu hoài

Giaù voán

Cheânh leäch

10.000.000

157.326.808

(147.326.808)

Baùo caùo thöôøng nieân 2007

Taøi saûn coá ñònh höõu hình Chi tieát taøi saœn coá ñònh vaø khaáu hao taøi saœn coá ñònh: Nhaø cöûa, vaät kieán truùc

Chæ tieâu

Maùy moùc, thieát bò

Phöông tieän vaän taûi

Thieát bò, duïng cuï quaûn lyù

Taøi saûn coá ñònh höõu hình khaùc

Coäng

I.Nguyeân giaù TSCÑ 18.624.151.655

10.822.988.978

9.042.368.260

188.085.463

1.170.373.344

39.847.967.700

Taêng trong naêm

Soá ñaàu naêm

382.213.775

7.136.334.107

5.676.043.395

61.563.715

852.311.440

14.108.466.432

-Mua saém môùi

382.213.775

7.136.334.107

5.676.043.395

61.563.715

852.311.440

14.108.466.432

-Ñaàu tö XDCB hoaøn thaønh

-Taêng khaùc

Giaûm trong naêm

8.000.000

-Giaûm khaùc

8.000.000

19.006.365.430

17.951.323.085

14.718.411.655

249.649.178

2.022.684.784

53.948.434.132

5.392.873.322

5.278.523.992

2.812.506.319

93.006.662

461.308.751

14.038.219.046

737.682.473

2.952.402.635

1.644.340.177

69.271.782

274.143.503

5.677.840.570

2.933.326

6.130.555.795

8.227.993.301

4.456.846.496

162.278.444

735.452.254

19.713.126.290

Soá cuoái naêm II.Giaù trò hao moøn Soá ñaàu naêm Khaáu hao trong naêm Giaûm trong naêm Soá cuoái naêm III.Giaù trò coøn laïi Soá ñaàu naêm

13.231.278.333

5.544.464.986

6.229.861.941

95.078.801

709.064.593

25.809.748.654

Soá cuoái naêm

12.875.809.635

9.723.329.784

10.261.565.159

87.370.734

1.287.232.530

34.235.307.842

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

Taøi saûn coá ñònh voâ hình Chæ tieâu

Quyeàn söû duïng ñaát

Phaàn meàm keá toaùn

Coäng

Soá ñaàu naêm

34.518.467.749

1.502.025.013

36.020.492.762

Mua saém môùi

10.664.617.200

2.133.980.030

12.798.597.230

160.854.000

4.129.018.476

41.214.920.473

3.636.005.043

44.850.925.516

Soá ñaàu naêm

394.173.664

Taêng trong naêm

370.641.598

Giaûm trong naêm

Soá cuoái naêm

764.815.262

I.Nguyeân giaù TSCÑ

Ñaàu tö XDCB hoaøn thaønh Taêng khaùc Thanh lyù, nhöôïng baùn Giaûm khaùc Soá cuoái naêm II. Giaù trò hao moøn

III. Giaù trò coøn laïi

Soá ñaàu naêm

34.518.467.749

1.107.851.349

35.626.319.098

Soá cuoái naêm

41.214.920.473

2.871.189.781

44.086.110.254

Baùo caùo thöôøng nieân 2007

Caùc khoaûn phaûi thu Soá cuoái naêm

Soá ñaàu naêm

Khoaûn phaûi thu cuûa NH TMCP Nam AÙ

241.842.057.620

205.563.095.807

Chi phí xaây döïng cô baûn, mua saém taøi saûn

216.541.953.548

127.955.547.347

Chi phí xaây döïng nhaø 97 Bis Haøm Nghi Chi phí mua nhaø laøm truï sôû môùi 201-203 CMT8 Söûa chöõa taøi saûn coá ñònh Chi phí khaùc Caùc khoaûn phaûi thu Ñaët coïc tieàn thueâ nhaø

1.374.000.000

214.088.394.869

126.500.000.000

81.547.347

998.011.332

25.300.104.072

77.607.548.460

1.794.092.728

915.272.728

Taïm öùng noäp ngaân saùch nhaø nöôùc

32.534.524

32.757.274

Thueá giaù trò gia taêng ñaàu vaøo

12.145.098

28.729.321

Taïm öùng thöïc hieän hôïp ñoàng

5.542.011.214

Phaûi thu tieàn CN QSD ñaát Bình Chaùnh

5.798.800.000

Caùc khoaûn taïm öùng cho CBCNV

971.039.893

944.907.418

Taïm trích caùc quyõ cuûa ngaân haøng

5.507.179.053

3.384.262.529

Chi phí xöû lyù taøi saûn ñaûm baûo nôï

14.310.000

37.473.000

65.225.036.000

5.627.991.562

7.039.110.190

Phaûi thu veà vaøng nhaäp khaåu Caùc khoaûn phaûi thu khaùc Khoaûn phaûi thu cuûa CT quaûn lyù nôï & KTTS Coäng

69.560.559

241.911.618.179

205.563.095.807

Soá cuoái naêm

Soá ñaàu naêm

21.193.860.916

6.722.540.518

13.349.684

313.701.042

Caùc khoaûn phí vaø laõi phaûi thu Laõi phaûi thu töø tieàn göûi baèng VND Laõi phaûi thu töø tieàn göûi baèng ngoaïi teä Chöùng khoaùn saün saøng ñeå baùn

1.998.167

2.002.458

Chöùng khoaùn giöõ ñeán ngaøy ñaùo haïn

11.798.436.260

7.349.800.575

Laõi phaûi thu cho vay baèng VND

16.959.043.658

13.045.880.514

Laõi phaûi thu cho vay baèng ngoaïi teä Coäng

640.295.922

502.176.412

50.606.984.607

27.936.101.519

Soá cuoái naêm

Soá ñaàu naêm

1.309.667.384

77.502.585

Taøi saûn coù khaùc Vaät lieäu Taøi saûn gaùn nôï ñaõ chuyeån quyeàn sôû höõu cho TCTD, chôø xöû lyù Chi phí chôø phaân boå Coäng

208.050.000

10.896.182.227

8.003.905.996

12.413.899.611

8.081.408.581

Baùo caùo thöôøng nieân 2007

Tieàn göœi cuûa caùc toå chöùc tín duïng khaùc Tieàn göûi cuûa caùc TCTD trong nöôùc baèng VND Hoäi sôû Chi nhaùnh Haø Noäi

Soá cuoái naêm

Soá ñaàu naêm

1.640.000.000.000

977.500.000.000

465.000.000.000

555.500.000.000

1.175.000.000.000

422.000.000.000

Tieàn göûi cuûa caùc TCTD trong nöôùc baèng ngoaïi teä

104.396.500.000

Hoäi sôû

64.244.000.000

Chi nhaùnh Haø Noäi

40.152.500.000

1.640.000.000.000

1.081.896.500.000

Soá cuoái naêm

Soá ñaàu naêm

320.747.176.321

140.900.477.869

Coäng

Tieàn göœi cuûa khaùch haøng TG cuûa khaùch haøng trong nöôùc baèng VND TG cuûa khaùch haøng trong nöôùc baèng ngoaïi teä

7.925.389.652

15.730.178.522

2.069.160.461.322

1.349.699.008.977

389.324.141.948

369.859.599.576

439.739.734

2.698.626.350

TG cuûa khaùch haøng nöôùc ngoaøi baèng ngoaïi teä

3.941.675.319

6.568.148.030

Tieàn kyù quyõ baèng VND

3.489.782.056

2.944.899.065

Tieàn kyù quyõ baèng ngoaïi teä

6.821.281.246

6.348.183.404

2.801.849.647.598

1.894.749.121.793

Soá cuoái naêm

Soá ñaàu naêm

31.925.300.000

24.638.412.000

TG tieát kieäm baèng VND TG tieát kieäm baèng ngoaïi teä vaø vaøng TG cuûa khaùch haøng nöôùc ngoaøi baèng VND

Coäng

Voán taøi trôï uûy thaùc ñaàu tö, cho vay TCTD chòu ruûi ro Voán taøi trôï, uyû thaùc ñaàu tö, cho vay baèng VND Voán taøi trôï, uyû thaùc ñaàu tö, cho vay baèng ngoaïi teä Coäng

179.122.561

32.104.422.561

24.638.412.000

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

Caùc khoaûn laõi vaø phí phaûi traû Tieàn göûi baèng VND Tieàn göûi baèng ngoaïi teä

Soá ñaàu naêm

10.675.560.859

7.862.651.555

3.739.598

514.594.434

44.378.194.024

32.046.385.771

Tieàn göûi tieát kieäm baèng ngoaïi teä vaø vaøng

3.331.638.103

3.178.743.135

Tieàn vay cuûa toå chöùc tín duïng baèng VND

291.072.390

Tieàn göûi tieát kieäm baèng VND

Tieàn vay taøi trôï, uûy thaùc Coäng

Soá cuoái naêm

Baùo caùo thöôøng nieân 2007

12.375.813

13.002.412

58.401.508.397

43.906.449.697

Caùc khoaûn phaûi traû vaø coâng nôï khaùc Khoaûn phaûi traû cuûa NH TMCP Nam AÙ Tieàn giöõ hoä vaø ñôïi thanh toaùn

Soá cuoái naêm

Soá ñaàu naêm

41.201.664.116

83.892.525.177

7.260.571.526

15.869.000

15.456.244.150

10.693.850.190

Phaûi traû veà mua saém taøi saûn coá ñònh

97.323.701

86.605.325

Chuyeån tieàn phaûi traû baèng ñoàng VN

512.933.605

638.616.813

Thueá & caùc khoaûn phaûi noäp Nhaø nöôùc

Chuyeån tieàn phaûi traû baèng USD

15.131.340

15.177.645

Caùc khoaûn chôø thanh toaùn khaùc

15.236.089.467

70.132.876.174

Caùc khoaûn thanh toaùn cho CBCNV

114.450.000

58.450.000

3.528.793

173.169.190

Quyõ döï phoøng veà trôï caáp maát vieäc laøm

1.176.226.310

1.210.210.902

Doanh thu chôø phaân boå

1.329.165.224

867.699.938

Caùc khoaûn thanh toaùn khaùc

Khoaûn phaûi traû cuûa CT quaûn lyù nôï & KTTS Coäng

208.050.000

41.409.714.116

83.892.525.177

Voán vaø quyõ cuûa ngaân haøng Voán ñaàu tö cuûa chuû sôû höõu

Voán ÑTXDCB & khaùc

Lôïi nhuaän sau thueá chöa phaân phoái

Caùc quyõ

Coäng

Soá ñaàu naêm tröôùc

150.000.000.000

35.298.642

6.764.382.501

29.124.329.791

185.924.010.934

Taêng trong naêm tröôùc

400.000.000.000

Lôïi nhuaän trong naêm tröôùc

38.813.250.435

Noäp thueá TNDN

(7.732.344.602)

Chi traû coå töùc

(14.192.932.474)

Taêng khaùc

326.932.896

Caùc khoaûn chi quyõ vaø chi khaùc

(3.483.932.014)

(642.083.910)

(4.126.015.924)

Trích laäp caùc quyõ trong naêm

6.556.968.805

(6.556.968.805)

550.000.000.000

35.298.642

9.837.419.292

39.140.183.331

599.012.901.265

550.000.000.000

35.298.642

9.837.419.292

39.140.183.331

599.012.901.265

25.924.740.000

(26.094.994.662)

(170.254.662)

75.106.039.587

Soá dö cuoái naêm tröôùc

Soá dö ñaàu naêm nay Taêng trong naêm Lôïi nhuaän trong naêm Caùc khoaûn chi quyõ vaø chi khaùc

(6.382.018.539)

(1.065.926.808)

(7.447.945.347)

Trích laäp caùc quyõ trong naêm

11.979.261.861

(11.979.261.861)

575.924.740.000

35.298.642

15.434.662.614

75.106.039.587

666.500.740.843

Soá dö cuoái naêm nay

Baùo caùo thöôøng nieân 2007

Chi tieát voán ñaàu tö cuûa chuû sôû höõu Soá cuoái naêm

Soá ñaàu naêm

575.924.740.000

550.000.000.000

Thaëng dö voán coå phaàn

Coå phieáu quyõ

575.924.740.000

550.000.000.000

Voán goùp cuûa caùc coå ñoâng

Coäng

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

26.094.994.662

Taïm öùng coå töùc naêm nay

Coäng

26.094.994.662

Coå phieáu Soá löôïng coå phieáu ñaêng kyù phaùt haønh

Soá cuoái naêm

Soá ñaàu naêm

57.592.474

55.000.000

57.592.474

55.000.000

Soá löôïng coå phieáu ñaõ baùn ra coâng chuùng -

Coå phieáu phoå thoâng

Coå phieáu öu ñaõi

Soá löôïng coå phieáu ñöôïc mua laïi -

Coå phieáu phoå thoâng

Coå phieáu öu ñaõi

57.592.474

55.000.000

Soá löôïng coå phieáu ñang löu haønh -

Coå phieáu phoå thoâng

Coå phieáu öu ñaõi

° Meänh giaù coå phieáu cuûa ngaân haøng: 10.000 ñoàng. ° Trong naêm Ngaân haøng ñaõ taêng voán ñieàu leä leân 25.924.740.000 ñoàng töø lôïi nhuaän naêm 2006. ° Voán ñieàu leä ñeán ngaøy 31 thaùng 12 naêm 2007 cuûa Ngaân haøng laø 575.924.740.000 ñoàng ñaõ ñöôïc ñaêng kyù taïi Giaáy chöùng nhaän ñaêng kyù kinh doanh Coâng ty Coå phaàn soá 059027, ñaêng kyù thay ñoåi kinh doanh laàn thöù 19, ngaøy 02/03/2007 cuûa Phoøng ñaêng kyù kinh doanh - Sôû Keá hoaïch vaø Ñaàu tö thaønh phoá Hoà Chí Minh.

Baùo caùo thöôøng nieân 2007

Caùc quyõ cuûa toå chöùc tín duïng Quyõ döï tröõ boå sung voán ñieàu leä

Quyõ nghieân Quyõ ñaàu tö cöùu khoa hoïc phaùt trieån vaø ñaøo taïo

Quyõ döï phoøng taøi chính

Quyõ khen thöôûng

Quyõ phuùc lôïi

Coäng

Soá ñaàu naêm tröôùc

2.504.644.443

249.189.111

171.063.809

3.836.637.800

2.690.838

156.500

6.764.382.501

Taêng trong naêm tröôùc

1.037.495.064

35.482.331

1.971.240.622

3.193.409.807

283.858.650

6.556.968.805

(10.000.000)

(28.923.434)

(3.160.993.430)

(284.015.150)

(3.483.932.014)

Caùc khoaûn chi quyõ Soá dö cuoái naêm tröôùc

3.542.139.507

274.671.442

177.622.706

5.807.878.422

35.107.215

9.837.419.292

Soá dö ñaàu naêm nay

3.542.139.507

274.671.442

177.622.706

5.807.878.422

35.107.215

9.837.419.292

Trích laäp caùc quyõ trong naêm

1.895.452.826

64.824.487

3.601.360.370

5.185.958.931

1.166.840.760

11.979.261.861

Caùc khoaûn chi quyõ

(5.215.177.779) (1.166.840.760)

(6.382.018.539)

Soá dö cuoái naêm nay

5.437.592.333

339.495.929

242.447.193

9.409.238.792

5.888.367

15.434.662.614

- Vieäc trích laäp caùc quyõ caên cöù vaøo Nghò ñònh soá 146/2005/NÑ-CP ngaøy 23/11/2005 cuûa Chính phuû vaø ñaõ ñöôïc thoâng qua Ñaïi hoäi Coå ñoâng naêm 2006. - Lôïi nhuaän naêm 2006 ñöôïc phaân phoái nhö sau: ° Quyõ döï tröõ boå sung voán ñieàu leä: 5% treân lôïi nhuaän sau thueá ° Khoaûn lôïi nhuaän coøn laïi ñöôïc trích laäp vaøo quyõ döï phoøng taøi chính 10%. ° Trích caùc quyõ ñaàu tö phaùt trieån, quyõ nghieân cöùu khoa hoïc, quyõ khen thöôûng, phuùc lôïi tyû leä laø 20%. ° Lôïi nhuaän coøn laïi ñöôïc chia cho caùc coå ñoâng. Muïc ñích trích laäp quyõ ñaàu tö phaùt trieån, quyõ döï phoøng taøi chính vaø quyõ khaùc thuoäc voán chuû sôû höõu - Quyõ döï tröõ boå sung voán ñieàu leä ñöôïc duøng ñeå boå sung voán ñieàu leä cuûa Ngaân haøng. - Quyõ döï phoøng taøi chính ñöôïc duøng ñeå: ° Buø ñaép nhöõng toån thaát, thieät haïi veà taøi saûn, coâng nôï khoâng ñoøi ñöôïc xaûy ra trong quaù trình kinh doanh; ° Buø ñaép khoaûn loã cuûa Ngaân haøng theo quyeát ñònh cuûa Hoäi ñoàng quaûn trò.

Baùo caùo thöôøng nieân 2007

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï Naêm nay

Naêm tröôùc

Thu laõi tieàn göûi

105.750.053.716

32.832.386.699

Thu laõi cho vay

387.499.081.443

224.873.551.448

14.265.577.745

8.307.966.194

918.284

507.514.712.904

266.014.822.625

Thu laõi töø ñaàu tö chöùng khoaùn Thu khaùc töø hoaït ñoäng tín duïng Coäng

Chi phí laõi vaø caùc khoaûn chi phí töông töï Naêm nay

Naêm tröôùc

Chi traû laõi tieàn göûi

259.233.902.699

143.267.705.729

Chi traû laõi tieàn vay

5.591.028.853

2.939.433.063

Chi phí khaùc Coäng

91.372.669.883

24.610.957.722

356.197.601.435

170.818.096.514

Naêm nay

Naêm tröôùc

Laõi töø hoaït ñoäng dòch vuï Thu nhaäp töø hoaït ñoäng dòch vuï

6.835.529.165

6.417.832.420

Thu töø nghieäp vuï baûo laõnh

191.079.441

188.654.289

Thu phí dòch vuï thanh toaùn

3.512.176.795

2.237.005.273

71.530.236

46.694.790

Thu phí dòch vuï ngaân quyõ Thu töø nghieäp vuï uûy thaùc vaø ñaïi lyù Thu töø caùc dòch vuï khaùc Chi phí hoaït ñoäng dòch vuï Chi veà dòch vuï thanh toaùn vaø ngaân quyõ Chi töø nghieäp vuï uûy thaùc vaø ñaïi lyù Chi töø caùc dòch vuï khaùc Laõi töø hoaït ñoäng dòch vuï

49.921

73.644

3.060.692.772

3.945.404.424

2.775.460.413

1.539.702.466

2.686.436.095

1.336.457.065

3.387.287

5.396.855

85.637.031

197.848.546

4.060.068.752

4.878.129.954

Laõi töø hoaït ñoäng kinh doanh ngoaïi hoái Thu nhaäp töø kinh doanh ngoaïi hoái Thu veà kinh doanh ngoaïi teä

Naêm tröôùc 3.296.538.584

952.618.398

492.574.214

1.156.720.078

2.803.964.370

Chi phí töø kinh doanh ngoaïi hoái

177.819.085

220.712.258

Chi veà kinh doanh ngoaïi teä

139.168.684

183.875.381

38.650.401

36.836.877

1.931.519.391

3.075.826.326

Thu veà kinh doanh vaøng

Chi veà kinh doanh vaøng Laõi thuaàn töø kinh doanh ngoaïi hoái

Naêm nay 2.109.338.476

Baùo caùo thöôøng nieân 2007

Thu nhaäp töø hoaït ñoäng khaùc Thu thanh lyù TSCÑ Thu nôï ñaõ xöû lyù ruûi ro Caùc khoaûn thu khaùc

Naêm nay

Naêm tröôùc

13.669.781.524

5.400.000

2.161.298.260

340.072.600

1.954.862.380

3.250.858.572

17.785.942.164

3.596.331.172

Naêm nay

Naêm tröôùc

22.700.000.000

6.390.000.000

Naêm nay

Naêm tröôùc

Chi noäp thueá

239.618.153

326.355.459

Chi noäp caùc khoaûn phí, leä phí

418.430.663

246.742.924

Chi phí cho nhaân vieân

43.134.629.591

26.588.809.709

Chi hoaït ñoäng quaûn lyù vaø coâng cuï

16.478.325.448

10.266.349.525

Coäng

Thu nhaäp töø goùp voán, mua coå phaàn Laõi töø chuyeån nhöôïng coå phieáu cuûa caùc coâng ty, ngaân haøng nhaän ñaàu tö (1) (1) Xem thuyeát minh soá V.7.

Chi phí hoaït ñoäng

Chi khaáu hao cô baûn TSCÑ Chi khaùc veà taøi saûn Chi noäp phí baûo hieåm, baûo toaøn tieàn göûi cuûa khaùch haøng, chi boài thöôøng BHTG Chi phí döï phoøng cam keát Coäng

6.048.846.372

4.893.569.889

11.907.012.390

7.228.457.891

2.337.953.032

1.564.301.464

80.320.435

42.313.358

80.645.136.084

51.156.900.219

Laõi cô baûn treân coå phieáu Lôïi nhuaän keá toaùn sau thueá thu nhaäp doanh nghieäp

Naêm nay

Naêm tröôùc

75.106.039.587

38.813.250.435

75.106.039.587

38.813.250.435

57.123.698

15.000.000

1.315

2.588

Caùc khoaûn ñieàu chænh taêng, giaûm lôïi nhuaän keá toaùn ñeå xaùc ñònh lôïi nhuaän phaân boå cho coå ñoâng sôû höõu coå phieáu phoå thoâng: Coå töùc cuûa coå phieáu öu ñaõi Lôïi nhuaän phaân boå cho coå ñoâng sôû höõu coå phieáu phoå thoâng Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm Laõi cô baûn treân coå phieáu Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm ñöôïc tính nhö sau:

Coå phieáu phoå thoâng ñang löu haønh ñaàu naêm AÛnh höôûng cuûa coå phieáu phoå thoâng mua laïi AÛnh höôûng cuûa coå phieáu phoå thoâng phaùt haønh Coå phieáu phoå thoâng ñang löu haønh bình quaân trong naêm

Naêm nay

Naêm tröôùc

55.000.000

15.000.000

2.123.698

57.123.698

15.000.000

Baùo caùo thöôøng nieân 2007

Thoâng tin boå sung caùc khoaûn muïc trình baøy treân baùo caùo löu chuyeån tieàn teä Tieàn vaø töông ñöông tieàn Bao goàm tieàn maët taïi quyõ, tieàn göûi taïi Ngaân haøng Nhaø nöôùc, coäng theâm tín phieáu Chính phuû vaø caùc giaáy tôø coù giaù ngaén haïn khaùc ñuû ñieàu kieän taùi chieát khaáu Ngaân haøng Nhaø nöôùc, Chöùng khoaùn coù thôøi haïn thu hoài hoaëc ñaùo haïn khoâng quaù 3 thaùng keå töø ngaøy mua; tieàn göûi taïi caùc Toå chöùc tín duïng khaùc khoâng kyø haïn vaø ñaùo haïn khoâng quaù 3 thaùng keå töø ngaøy göûi. Soá cuoái naêm

Soá ñaàu naêm

Tieàn maët

225.123.364.969

226.583.581.225

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc

113.135.835.339

49.421.723.815

Tieàn göûi taïi caùc ngaân haøng khaùc Coäng

941.453.321.652

1.038.799.665.119

1.279.712.521.960

1.314.804.970.159

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

Caùc thoâng tin khaùc Tình hình thu nhaäp cuûa nhaân vieân Naêm nay

Naêm tröôùc

798

576

38.751.953.828

23.767.614.025

I. Toång soá nhaân vieân (ngöôøi) II.Thu nhaäp cuûa nhaân vieân (ñoàng) 1.Toång quyõ löông 2.Tieàn thöôûng

7.370.192.995

2.764.993.379

46.122.146.823

26.532.607.404

4.Tieàn löông bình quaân/ thaùng

4.046.779

3.438.602

5.Thu nhaäp bình quaân/ thaùng

4.816.431

3.838.630

3.Toång thu nhaäp

Tình hình thöïc hieän nghóa vuï vôùi Ngaân saùch nhaø nöôùc Chæ tieâu 1. Thueá giaù trò gia taêng

Soá coøn phaûi noäp ñaàu naêm

Soá phaûi noäp trong naêm

Soá coøn phaûi noäp cuoái naêm

79.995.623

756.876.439

727.771.302

109.100.760

10.336.543.517

32.180.374.104

27.520.256.302

14.996.661.319

131.035.910

1.287.536.657

1.275.162.205

143.410.362

131.035.910

1.103.459.602

1.091.085.150

143.410.362

+ Thueá nhaø thaàu

144.694.355

+ Thueá moân baøi

30.000.000

2. Thueá thu nhaäp doanh nghieäp 3. Thueá khaùc + Thueá thu nhaäp caù nhaân

+ Thueá khaùc Coäng

9.382.700

10.547.575.050

34.224.787.200

29.523.189.809

15.249.172.441

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

Soá ñaõ noäp trong naêm

Baùo caùo thöôøng nieân 2007

Thueá thu nhaäp doanh nghieäp 2006 Naêm tröôùc Toång lôïi nhuaän keá toaùn tröôùc thueá

53.962.153.382

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

Caùc khoaûn ñieàu chænh taêng

Caùc khoaûn ñieàu chænh giaûm

Toång thu nhaäp chòu thueá

53.962.153.382

Thueá suaát thueá thu nhaäp doanh nghieäp

28%

Thueá thu nhaäp doanh nghieäp döï tính phaûi noäp

15.109.402.947

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

39.500.000

Toång chi phí thueá thu nhaäp doanh nghieäp hieän haønh

15.148.902.947

Thueá thu nhaäp doanh nghieäp 2007 Thu nhaäp töø hoaït ñoäng kinh doanh Toång lôïi nhuaän keá toaùn tröôùc thueá

93.688.395.095

Thu nhaäp töø chuyeån quyeàn söû duïng ñaát 13.669.781.524

Naêm nay 107.358.176.619

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

Caùc khoaûn ñieàu chænh taêng

Caùc khoaûn ñieàu chænh giaûm

Toång thu nhaäp chòu thueá Thueá suaát thueá thu nhaäp doanh nghieäp Thueá thu nhaäp doanh nghieäp döï tính phaûi noäp

600.000

93.688.995.095

13.669.781.524

28%

26.232.918.627

3.827.538.827

30.060.457.454

2.119.916.650

5.947.455.477

32.180.374.104

Thueá thu nhaäp doanh nghieäp boå sung

107.358.776.619

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

26.232.918.627

Thueá thu nhaäp doanh nghieäp naêm 2007 taïi Coâng ty quaûn lyù nôï vaø khai thaùc taøi saûn Rieâng taïi Coâng ty Quaœn lyù nôï vaø khai thaùc taøi saœn bò loã neân khoâng döï phoøng thueá thu nhaäp doanh nghieäp.

Caùc khoaûn thueá, leä phí khaùc Ngaân haøng noäp theo caùc quy ñònh hieän haønh.

Loaïi hình vaø giaù trò taøi saûn theá chaáp cuûa khaùch haøng Chæ tieâu

Soá cuoái naêm

Soá ñaàu naêm

Taøi saûn theá chaáp, caàm coá

5.517.150.370.697

3.844.923.188.031

Vaøng baïc, kim loaïi, ñaù quyù

64.160.000

5.229.446.820.461

3.639.657.488.880

132.018.343.700

37.068.309.118

Nhaø cöûa vaø quyeàn söû duïng ñaát Phöông tieän vaän taûi Maùy moùc thieát bò

58.210.311.182

45.080.959.987

Vaät tö haøng hoùa

95.325.735.354

107.543.348.346

2.085.000.000

15.573.081.700

252.098.376.338

465.628.606.680

62.052.361.238

67.845.352.680

Caùc GTCG do TCTD phaùt haønh

176.866.000.000

386.953.254.000

Caùc GTCG do TCKT phaùt haønh

12.021.000.000

10.830.000.000

Taøi saûn khaùc Caùc GTCG caàm coá Caùc GTCG do Nam AÙ phaùt haønh

Caùc GTCG khaùc Toång coäng

1.159.015.100

5.769.248.747.035

4.310.551.794.711

Baùo caùo thöôøng nieân 2007

Nghóa vuï nôï tieàm aån vaø caùc cam keát ñöa ra Teân taøi khoaûn

Soá hieäu

Soá dö baûo laõnh

Soá dö kyù quyõ

Soá coøn laïi

Baûo laõnh thanh toaùn

9212

9.789.732.927

159.990.000

9.629.742.927

Baûo laõnh thöïc hieän hôïp ñoàng

9213

5.441.169.817

1.270.250.520

4.170.919.297

Baûo laõnh döï thaàu

9214

726.916.651

Cam keát trong nghieäp vuï L/C traû chaäm

9215

4.355.132.701

143.327.895

4.211.804.806

Cam keát trong nghieäp vuï L/C traû ngay

9216

55.235.774.984

6.677.953.351

48.557.821.633

Cam keát baûo laõnh khaùc

9219

631.488.915

41.823.915

589.665.000

76.180.215.995

9.020.262.332

67.159.953.663

Toång coäng

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

Soá ñaàu naêm

Cho vay cuûa Ngaân haøng

Tieàn göûi taïi Ngaân haøng

24.251.476.301

3.066.260.959

30.782.104.254

973.871.424

Thaønh vieân HÑQT & caùc coâng ty do hoï ñieàu haønh Caùc coå ñoâng lôùn & caùc coâng ty do hoï ñieàu haønh

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

Coäng

Cho vay cuûa Ngaân haøng

9.699.390.385

Tieàn göûi taïi Ngaân haøng

64.732.970.940

4.040.132.383

Cam keát thueâ hoaït ñoäng Naêm 2007 966.080.000

Caùc cam keát ñoái vôùi caùc thueâ hoaït ñoäng khoâng theå huûy ngang Trong ñoù:

- Ñeán haïn trong 1 naêm

966.080.000

- Ñeán haïn töø 2 ñeán 5 naêm

- Ñeán haïn sau 5 naêm

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

Toång tieàn göûi

CCTC phaùi sinh

Kinh doanh vaø ñaàu tö chöùng khoaùng

Trong nöôùc

2.698.695.346.080

2.801.849.647.598

306.790.133.438

Ngoaøi nöôùc

Quaûn lyù ruûi ro taøi chính Ruûi ro tín duïng

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

Baùo caùo thöôøng nieân 2007

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

EUR ñöôïc quy ñoåi

USD ñöôïc quy ñoåi

Caùc loaïi ngoaïi teä khaùc ñöôïc quy ñoåi

Giaù trò vaøng tieàn teä ñöôïc quy ñoåi

Toång

Taøi saûn I-Tieàn maët vaøng baïc ñaù quyù

198.000.400

25.600.017.624

127.817.948.000

160.497.870

153.776.463.894

14.597.724.568

1.303.924.018

34.357.549.971

366.460.666

36.027.934.655

IV-Chöùng khoaùn kinh doanh

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

VI-Cho vay khaùch haøng

175.069.032.492

64.930.918.971

239.999.951.463

VII-Chöùng khoaùn ñaàu tö

8.006.000.000

II-Tieàn göûi taïi NHNN III-Tieàn göûi taïi vaø cho vay caùc TCTD khaùc

VIII-Goùp voán, ñaàu tö daøi haïn IX-Taøi saûn coá ñònh vaø baát ñoäng saûn ñaàu tö X-Caùc taøi saûn Coù khaùc

717.663.764

173.125.494

890.789.258

1.501.924.418

258.347.988.419

192.921.992.465

526.958.536

453.298.863.838

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

II-Tieàn göûi cuûa khaùch haøng

216.230.228.253

191.782.260.000

408.012.488.253

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

179.122.561

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

V-Phaùt haønh giaáy tôø coù giaù

VI-Caùc khoaûn nôï khaùc

4.384.496.630

818.559.376

5.203.056.006

VII- Voán vaø caùc quyõ

Toång nôï phaûi traû vaø voán chuû sôû höõu

220.793.847.444

192.600.819.376

413.394.666.820

1.501.924.418

37.554.140.975

321.173.089

526.958.536

39.904.197.018

% Traïng thaùi tieàn teä noäi baûng so voán töï coù

0.25%

6.28%

0.05%

0.09%

6.67%

Traïng thaùi tieàn teä ngoaïi baûng

0.25%

6.28%

0.05%

0.09%

6.67%

Toång taøi saûn Nôï phaûi traû vaø voán CSH

Traïng thaùi tieàn teä noäi baûng

Traïng thaùi tieàn teä noäi, ngoaïi baûng

TP. Hoà Chí Minh, ngaøy 04 thaùng 01 naêm 2008 Ngöôøi laäp baûng

Leâ Truùc Phöông

Keá toaùn tröôûng

Traàn Thò Baûo Traâm

Toång Giaùm ñoác

Tröông Minh Khai

Baùo caùo thöôøng nieân 2007

Baùo caùo kieåm toaùn COÂNG TY TNHH KIEÅM TOAÙN VAØ TÖ VAÁN (A&C) Soá: 0400/2008/BCTC-KTTV VEÀ BAÙO CAÙO TAØI CHÍNH HÔÏP NHAÁT NAÊM 2007 CUÛA NGAÂN HAØNG THÖÔNG MAÏI COÅ PHAÀN NAM AÙ Chuùng toâi ñaõ kieåm toaùn Baùo caùo taøi chính hôïp nhaát naêm 2007 cuûa Ngaân haøng thöông maïi coå phaàn Nam AÙ goàm: Baûng caân ñoái keá toaùn hôïp nhaát taïi thôøi ñieåm ngaøy 31 thaùng 12 naêm 2007, Baùo caùo keát quaû kinh doanh hôïp nhaát, Baùo caùo löu chuyeån tieàn teä hôïp nhaát vaø Thuyeát minh baùo caùo taøi chính hôïp nhaát cho naêm taøi chính keát thuùc cuøng ngaøy, ñöôïc laäp ngaøy 04 thaùng 01 naêm 2008. Vieäc laäp vaø trình baøy Baùo caùo taøi chính hôïp nhaát naøy thuoäc traùch nhieäm cuûa Ban Toång giaùm ñoác Ngaân haøng. Traùch nhieäm cuûa chuùng toâi laø ñöa ra yù kieán veà caùc baùo caùo naøy döïa treân keát quaû coâng vieäc kieåm toaùn. Cô sôû yù kieán Quaù trình kieåm toaùn ñöôïc thöïc hieän theo höôùng daãn cuûa Chuaån möïc Quoác teá veà kieåm toaùn vaø caùc Chuaån möïc kieåm toaùn cuûa Vieät Nam. Caùc Chuaån möïc naøy yeâu caàu coâng vieäc kieåm toaùn phaûi laäp keá hoaïch vaø thöïc hieän ñeå coù söï ñaûm baûo hôïp lyù raèng caùc Baùo caùo taøi chính hôïp nhaát khoâng coøn chöùa ñöïng caùc sai soùt troïng yeáu. Chuùng toâi ñaõ thöïc hieän kieåm toaùn theo phöông phaùp choïn maãu vaø aùp duïng caùc thöû nghieäm caàn thieát, kieåm tra caùc baèng chöùng xaùc minh nhöõng thoâng tin trong Baùo caùo taøi chính hôïp nhaát; ñaùnh giaù vieäc tuaân thuû caùc chuaån möïc vaø cheá ñoä keá toaùn hieän haønh, caùc nguyeân taéc vaø phöông phaùp keá toaùn ñöôïc aùp duïng, caùc öôùc tính vaø xeùt ñoaùn quan troïng cuûa Ban Toång giaùm ñoác cuõng nhö caùch trình baøy toång theå Baùo caùo taøi chính hôïp nhaát. Chuùng toâi tin raèng coâng vieäc kieåm toaùn ñaõ cung caáp nhöõng cô sôû hôïp lyù cho yù kieán cuûa Kieåm toaùn vieân. YÙ kieán cuûa kieåm toaùn vieân Theo yù kieán chuùng toâi, Baùo caùo taøi chính hôïp nhaát ñeà caäp ñaõ phaûn aûnh trung thöïc vaø hôïp lyù treân caùc khía caïnh troïng yeáu tình hình taøi chính hôïp nhaát cuûa Ngaân haøng thöông maïi coå phaàn Nam AÙ taïi thôøi ñieåm ngaøy 31 thaùng 12 naêm 2007, keát quaû hoaït ñoäng kinh doanh hôïp nhaát vaø löu chuyeån tieàn teä hôïp nhaát cho naêm taøi chính keát thuùc cuøng ngaøy, ñoàng thôøi phuø hôïp vôùi caùc Chuaån möïc vaø Cheá ñoä keá toaùn thoáng nhaát cuûa Ngaân haøng Nhaø nöôùc Vieät Nam hieän haønh vaø caùc qui ñònh phaùp lyù coù lieân quan. Coâng ty TNHH Kieåm toaùn vaø Tö vaán (A&C)

TP. Hoà Chí Minh, ngaøy 07 thaùng 04 naêm 2008

Baùo caùo thöôøng nieân 2007

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

Annual Report 2007

Message from the President of the Board of Directors

Ladies & Gentlements, After officially acceding to the World Trade Organization (WTO), Vietnam continued to be elected as one of the two non-standing members of the U.N. Security Council in Asia, term 2008 - 2009. Last year, our national economy attained high and stable growth (8.48%), with a record in direct foreign investment capital (20.3 billion USD), greatly exceeding the plan … Beside the achievements already made, in 2007 Vietnam also had to confront with the situation of sudden increase of consumer goods prices, high import surplus and the quality of certain part of people’s living has not yet been enhanced corresponding to the economic growth. In such boisterous economic context in 2007 Nam A Bank did make encouraging achievements, specially as: * Registered capital amounted to 575,925 million dong, increased to 4.71% compared with that in 2006. * The network system was expanded with 01 Branch and 13 Transaction Offices, with total dealing units of the Bank amounted to 45 units. * As to the operating results, the Bank’s total assets was increased over 35%, total mobilization increased 42%, total lending balance increased 32%, and profit after tax increased over 92% compared with 2006. Over 15 years of building and growing up, overcoming so many difficulties to gain the sustainable development today, each shareholder, each officer and each employee of Nam A Bank, is proud of the Great Family of Nam A Bank. In the new and coming period, we shall have to face many difficulties and challenges. Deeming difficulty to be a test on its persistence and determination to develop and go ahead, Nam A Bank shall make incessant efforts of perfecting itself, building the firm confidence from customers, with commitment to respecting for our customers’ interests and increasing our shareholders’ values.

In 2008, Nam A Bank shall strive to fulfil the following orientations in its operations: * Build and develop the Bank, aiming to maximize the profit, better and better meet the customers’ needs, incessantly enhancing the Bank’s competitiveness. Step by step, Nam A Bank shall become a multi-purpose one with fast and sustainable growth... * Continue to supplement the registered capital to 2,000 billion dong in end 2008, by issuance of new shares. * Adjust the organizational structure to meet the developing requirements in 2008. * Recruit and train qualified officers and employees. * Speed up the Bank’s operations; strengthen the capital mobilization from different economic sectors; and at the same time develop safe and effective credit faciclities. * Develop new products, new banking services and apply such banking services as Internet Banking, Home Banking, Mobile Banking. * Expectedly, towards end 2008, Nam A Bank shall develop its widespread operating network with the increase of 7 branches and 22 Transaction Offices. * In addition, such operations as financial investment, commercial investment via the investments in different businesses, investment funds, project investment, investments in other credit organizations in form of investment capital contributions, joint ventures, affiliation, sale and purchase of securities… On behalf of the Board of Directors, I am heartily grateful to the State Bank on its different levels, the relevant ministries and departments for their kind attention and support for Nam A Bank during the past period. With the confidence, and close cooperation from our customers and partners, domestic and overseas, together with the great contributions from all the officers and employees of the Bank, I do believe that Nam A Bank shall outstandingly attain the goal for 2008, as set out by the Shareholders’ General Meeting. Best regards,

Mr. Nguyen Quoc My President of Board of Directors

Annual Report 2007

107

Profit before tax billion dong

Annual Report 2007

Nam A Bank’s development process

Nam A Commercial Joint-stock Bank officially entered its operations on October 21, 1992 under Decision No. 0026/NHGP dated August 22, 1992 by the State Bank of Vietnam, on the basis of merging the three Credit Cooperatives of An Dong, Thi Nghe and Tan Dinh. Starting with registered capital of only 5 billion dong and 50 officers and employees, its network began to operate mainly in the outlying districts with monotonous operating scope. After 15 years’ operations, Nam A Bank has made many great changes with encouraging achievements. Within the recent 5 years, Nam A Bank’s growth rate has been always high, particularly its profit after tax in 2007 was increased 92.07% compared with 2006. The distributed dividends in 2007 reached 10.15%. It network of branches was widely developed and to date Nam A Bank already has 45 dealing units nationwide. The Bank’s registered capital was increased 115 times, i.e. from 5 billion dong at the beginning amounted to 575 billion dong as at December 31, 2007, and the number of its officers and employee was increased 16 times compared with that in 1992.

Nam A Bank’s major operations Operating market

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

Up to end 2007, the Bank’s operating network consisted of 45 dealing units, i.e. 01 Head office, 15 branches, 29 Transaction Offices in key economic areas, 01 Debt and Assets Management Company belonging to Nam A Bank. Nam A Bank’s products and services are relatively diverse with continually improved quality, towards a multi-purpose e-bank with such modern products and services as: a. Bank deposits: · Payment deposits · Savings deposits b. Credits: · Lending to supplement working capital. · Lending to implement investment projects. · Lending for consolidated capital. · Lending with overdraft limit. · Lending to finance import, export. · Lending to consumers. · Lending for encumbrances, discounts of savings books and valuable documents. · Lending for foreign study. · Lending for cooperative employment. · Lending in the framework of “Rural Financial Project 2” (RDF II) c. Guarantee services : · Guarantee for borrowing. · Guarantee for payment. · Guarantee for bidding. · Guarantee for contract performance. · Guarantee for product quality warranty. · Guarantee for advance repayment. · Corresponding guarantee. · Confirmation of guarantee. · Other legal guarantees in accordance with international practices.

Annual Report 2007

d. Money transfer: · Domestic money transfer. · Remittance to abroad. · Money receipt. · Quick money receipt services of Western Union. e. International payment : · Open, correct, settle, notify Letters of Credit. · Receive, send, settle in mode of authorized payment (DP, DA). f. Foreign currency trade: · Spot dealing. · Forward dealing. g. Fund services : · Authorized payment of wages. · Custody of valuable documents, money, metals. VND, USD, gold checking and counting. · Cash receiving and spending at the address requested by Customers. · Money transport at customers’request, in HCMC. h. Other services: · Balance confirmation. · International payment (Master Card, Visa Card). · Accepting those foreign exchange agents for Nam A Bank.

In addition to its traditional operations, Nam A Bank has operated in financial investments and trading investments via the investments in different businesses, investment funds, projects, and in other credit organizations in form of investment capital contributions, joint venture, affiliation, securities trade. During the recent years, Nam A Bank has been known as one of the commercial joint-stock banks with stable and sustainable development, rated with Grade A by the State bank for many successive years. In 2007, the Bank received Certificate of “National Famous Brand” presented by Vietnam Association of Intellectual Property, and the title of “One of the 500 Largest Businesses in Vietnam” published in the list of Top 500 Largest Businesses in Vietnam (VNR500), title of “Golden Trade Mark” awarded by Vietnam Association of Trade Mark Protection; and title of “Top Trade Services” awarded by Ministry of Industry and Trade; on the occasion of the 15th anniversary of its establishment, Nam A Bank also had the honour to receive the Letter of Commendation from the Government Prime Minister, Letter of Commendation from Ho Chi Minh City People’s Committee.

Other fields of operations Nam A Bank’s position

Realizing that one of the key factors helping the Bank make success is the very confidence from its customers, Nam A Bank has striven with great efforts, continually doing research and implementing several policies on personnel renovation information technology (IT) modernization, consolidating and expanding its operating network, joint venture and affiliation with foreign partners, diversifying and enhancing the service quality. Having performed the foregoing, Nam A Bank longs for bringing about the highest benefits to those customers who utilize the financial products and services provided by the Bank. The customers’ trust has been clearly shown via the results of mobilization and lending growth over several years, particularly in 2007 the mobilization, from market 1 increased 48.39%, lending balance increased 31.8% compared with those in 2006. Not only having the confidence from its customers, in other banks Nam A Bank has created their trust and the growth of capital source mobilized from the inter-bank marker in 2007 (increased 32.4% compared with 2006). In international relations, Nam A Bank has always fulfilled its commitments. Therefore, Nam A Bank has been one of the familiar and prestigious trade marks in the international market, and a trustful settling agent for Vietnamese businesses. This is shown in data of international payment turnover always being increased over years, particularly in 2007 the import, export turnover reached 67.61 million USD, increased 73.64% compared with 2006. With the common development of the economy, Nam A Bank is making great efforts to build and perform those strategies and tactics, creating breakthroughs and asserting its position, in the domestic and international markets. · Having medium-size financial capacity among the group of urban commercial joint-stock banks, Nam A Bank can maintain and raise its capital safety coefficient, and increase the ability to meet customers’ needs of capital. At the same time, Nam A Bank shall make favourable conditions for investing in the development of its IT system and operating network. · Nam A Bank has an operating network with many dealing units in Ho Chi Minh City and in other localities nationwide, which facilitate its market expansion and development and access to new customers. · Operating efficiency: Nam A Bank’s operations are carried out quite well and continually improved. Those groups of business targets, and solvency are above average and tend to have positive development. · The Banks’ executive and managerial system and controlling machinery are continually improved in accordance with the banking regulations, policies and standards and international standards. Moreover, its organizational structure is also improved to meet the needs of development, increase of competitiveness and international integration. · Nam A Bank’s human resources and leadership are those with years’ experience in the fields of finance and banking, and executive management. In addition, the Bank also has a team of youthful workforce, most of them are university graduates, full of enthusiasm, rendering thoughtful and professional services to customers. · Recognizing the IT role in banking activities, Nam A Bank is investing in the building of Corebanking system, meeting the needs of information processing, enhancing the managerial quality, and paving the way for the application and expansion of e-banking services and other modern banking services.

Annual Report 2007

Nam A Bank’s long-term development strategy

In the current trend of integration into the world’s economy, and grasping opportunities of investment capital attraction, and technological transfer, the Bank, on of the other hand, is also facing great challenges when the foreign banks are making more and more expansive operations in Vietnamese market. In such context, Nam A Bank has established a long-term development strategy to consolidate its stand in the banking market, continually enhancing its competitiveness via the expansion of its operations, and at the same time developing a banking system, diversified with several utilities, and oriented towards the needs of the economy, on the basis of enhancing the quality and efficiency of the traditional banking services. On the other hand, the Bank also makes quick access to and develop those new forms of services with highly technological content. Nam A Bank’s general target is that up to 2020 it shall become one of the retail banks, multipurpose and modern, with service quality equal to that of the large ones in South-East Asia. Nam A Bank’s operating motto is to ensure its operations with fast and sustainable rate of growth, under the market principles, with main objective of profitability, and apply the international and standards to its operations.

Nam A Bank’s specific objectives and essential programs until 2020

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

Nam A Bank’s operating plan from present to 2012

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

· Strengthen its managerial capacity via re-structuring its organization and operations, clearly distinguishing between the functions, tasks and rights of the Board of Directors and the Executive Board; expand its operating scale parallel with strengthening ist self-control capacity, risk management; ensure business safety and efficiency, and develop its banking management system in accordance with the international practices and standards and the reality in its operations. · Strengthen its financial capacity via the continued increase of its registered capital, assets, plus the enhancement of operating quality and profitability, preventing and limiting any risks in doing business. · Look for strategic partners by allowing the foreign investors, particularly those banks with high financial potentialities, technologies, management and prestige, to purchase its shares and take part in the Bank’s management and executive activities... · Expand its operating network in those key economic areas nationwide, under its yearly operating plan. · Continue to build an internal managerial regulations, and complete its professional procedures to ensure unified and effective business activities. · Attract, train and develop human resources, enhancing the quality of recruitment, deployment and training of officers and employees, to meet the need of development and expand the Bank’s operating scale and network in each stage. · Seriously perform the rates of safety assurance in banking activities, particularly maintain the level of owned capital to suit the scale of credit assets on the basis of capital safety performance min. 8% as stipulated by the State Bank. · Diversify the products of banking services, striving to gradually increase the rate of non-lending revenues to 40% of the Bank’s total revenues...

Basis targets of operations during the period of 2008-2012: · Registered capital: Continued to issue certain amount of shares to increase the registered capital as well as strengthening the Bank’s financial capacity, and ensuring its sustainable development. Expectedly, the registered capital shall be increased 20 – 25% p.a., suitable to the high growth rate in banking field, ensuring the owned capital source to invest in developing the Bank’s infrastructure and business activities.

Annual Report 2007

· Total assets: The average growth rate of total assets from present to 2012 is expected to 2012 is expected to reach 80%/p.a. · Capital mobilization: The average growth rate of mobilized capital from present to 2012 is expected to reach 70%/p.a. · Credit activities: The total lending balance from present to 2012 is expected to reach average growth rate of approx. 60%/p.a. · Profit and financial targets: The profit before tax is envisaged to increase in average 50 - 60% p.a. compared with the previous year, and the rate of profit to total assets (ROA) in 2012 is expected to reach 1.7 - 1.8%/ p.a. Measures of performance: · Adjust the organizational structure to suit the development strategy in each period, wherein different functions should be differentiated, separating the risk management function from the business function. · Employ, recruit, and train qualified officers and employees and deploy them to suitable positions from different levels of executive officers to professional staff, capable of fulfilling their tasks as set out in the plan for each year. · Speed up the banking operations, strengthen the capital mobilization from different economic sectors and at the same time develop the lending services, wherein is emphasized the lending to highly feasible economic projects, medium-size and small-size businesses, in service to the economic development, to those farming producers from the capital source of RDF II; and to consumers and other borrowers. Focus on the studying and launching of those new credit products, attractive and appealing to customers. · Invest, research, and develop those banking services more and more diversified, increasing the rate of revenues from services to over 5% of the Bank’s total revenues; especially continue to enhance the quality of services to customers. · Focus on investing and developing such new fields of business as cards, securities, financial investments and certain other business activities to increase the Bank’s profit... · Develop a widespread operating network, to increase the number of total dealing units to 150 units up to end 2012. · Invest in material premises, ensuring better and better services in such banking activities as investment in building the new Head Office at 201-203 CMT8 St., District 3, Ho Chi Minh City; invest in the purchasing , building and repairing those branch offices in Ha Noi, Hai Phong, Quy Nhon, Nha Trang, Can Tho... · Actively invest in Information Technology (IT), making favourable conditions to develop those banking services suitable to the developing trend in the field, and the integration into regional and international markets. · Speed up the development of trade mark; establish strategy and organize the performance of Marketing Strategy of Nam A Bank suitable to each year’s operations, aiming to make maximal profit from all the operations of Nam A Bank. · Particularly emphasize the internal auditing, whereby inspecting and checking the effectiveness and efficiency of the internal inspecting and controlling system, so that the Bank can always proactively limit any risks in business activities, for a Nam A Bank with more and more sustainable, safe and effective development.

Annual Report 2007

575

Registered capital billion dong

Annual Report 2007

Highlighted events in 2007

The year 2007 saw an important milestone marking 15 years’ building and development by Nam A Bank. That was the time when the Bank continued to enhance its financial capacity to expand its operational scale, and invest in technologies and human resources, typical as follows: The year 2007 saw an important milestone marking 15 years’ building and development by Nam A Bank. That was the time when the Bank continued to enhance its financial capacity to expand its operational scale, and invest in technologies and human resources, typical as follows: With widespread developing network system, specifically the Bank already further developed 14 new Branches/Transaction Offices, with total dealing units of Nam A Bank amounted to 45 units nationwide.

* On August 22, 2007, Nam A Bank signed a contract with Southern Bank to establish Southern Insurance Co. The trade mark of Nam A Bank has been recognized by consumers, and the competent Authorities via such valuable rewards as: * “Top Trade Services” awarded by Ministry of Industry and Trade in December 2007.

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

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

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

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

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

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

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

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

Annual Report 2007

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

There are both opportunities and challenges on the way ahead; however, with its experiences and internal forces which have been accumulated for quite a long time, Nam A Bank shall certainly achieve new successes.

Annual Report 2007

Management of Nam A Bank BOARD OF MANAGEMENT

Mr. Nguyen Quoc My President of Board of Directors

Mr. Huynh Thanh Chung Member of Board of Directors

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

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

Mr. Phan Dinh Tan Member of Board of Directors

Mrs. Nguyen Thi Xuan Loan Member of Board of Directors

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

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

Annual Report 2007

BOARD OF SUPERVISORY

Mr. Nguyen Van Dau Chief of Controller Committee

Mr. Trang Xuan Tung Controller

Mrs. Trieu Kim Can Controller

Qualification: Bachelor of Economics Working process: Mr. Dau has had over 40 yearsâ&#x20AC;&#x2122; experience in banking and financial activities. Before working at Nam A Bank, Mr. Dau already worked at State Bank of Tuyen Quang Province and State Bank of Ninh Binh Province, Deputy Director of State Bank of Quang Duc Province, Specialist of Economic and Planning Department, Specialist of Monetary Circulation Department of Central State Bank at No. 17, Ben Chuong Duong St., Ho Chi Minh City; Monetary Specialist of State Bank Region I of No. 17, Ben Chuong Duong St., Ho Chi Minh City, and Chief of Monetary & Treasury Office of State Bank in Ho Chi Minh City. At Nam A Bank, Mr. Dau has assumed those offices of General Inspector of Nam A Bank, Deputy General Director, Chief of Internal Inspection & Control Office. Since March 1999, Mr. Nguyen Van Dau has been elected as Chief of Nam A Controller Committee.

Qualification: Bachelor of Economics Working process: Mr. Tung has had 17 yearsâ&#x20AC;&#x2122; experience in the field of banking. Mr. Tung began to worked at Nam A Bank since 2004, assumed those positions of Credit Officer, Chief of Internal Inspection & Control Office. Before working at Nam A Bank, Mr. Tung had worked at such Banks as Saigon Thuong Tin Commercial Joint-stock Bank, and Tan Viet Commercial Joint-stock Bank. In July 2007, Mr. Tung was elected as a Controller of Nam A Bank. Currently, Mr. Tung is also the Chief Internal Auditor of Nam A Bank.

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

Annual Report 2007

BOARD OF DIRECTORS

Mr. Truong Minh Khai General Director

Mr. Lai Quoc Tuan Deputy General Director

Mrs. Vo Thi Tuyet Nga Deputy General Director

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

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

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

Annual Report 2007

Mr. Le Khanh Hien Deputy General Director

Mr. Nguyen Danh Thiet Deputy General Director

Mr. Tran Ngoc Tam Deputy General Director

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

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

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

Annual Report 2007

Role, tasks and responsibilities of Board of Directors

Board of Directors: is the managerial body of Nam A Bank, having the full right to act in the name of Nam A Bank, making decision on those issues relating to the Bank’s purposes and interests, except those matters under the authority of the Shareholders’s General Meeting. The Board of Directors is assisted by its office, and plays the role of yearly strategic orientation and operating plan, and gives guidance and supervises the Bank’s operations via the Executive Board and the Councils. The Board of Directors has the tasks of planning the direction and lines, objectives, policies and promulgating the internal regulations and stipulations and monitoring the process of organizing and implementing of different levels of the executive machinery.

The Committees and Councils of the Board of Directors

Controller Committee: Is the body that controls the financial activities of Nam A Commercial Joint-stock Bank, supervising the compliance with the book keeping and accounting regime, activities of the Bank’s internal inspection & control system. The Controller Committee is assisted by the Internal Auditing Committee. Advisor Committee: Gives advice to the Board of Directors on the managing and running of Nam A Bank’s operations, the development of banking products and services, of human resources, external activities, investment activities, joint ventures, affiliations. Credit & Investment Council: Reviews those lendings or guarantees exceeding 5% of the registered capital; reviews schemes of investment and cooperation, joint-venture capital contribution to other units; and supervises the overdue debt recovery. Assets Handling Council: Consults, gives opinions to the Board of Directors, and General Director in effectively organizing the management, utilization, purchase and sale of Nam A Bank’s assets. Personnel & Wages Council: Considers those matters relating to the regime on recruitment and wages and salaries of Nam A Bank’s officers and employees. Emulation & Commendation Council: Proposes, assesses the results of emulation & commendation at Nam A Bank. Discipline Council: Consults the Board of Directors and General Director in making decision on disciplining those officers or employees with violations throughout Nam A Bank’s system. Risks Handling Council: Considers the appropriation for risk allowance, and makes decisions on risk handling as stipulated, and supervises the debt recovery. Financial Committee: Supervises, monitors, and inspects the capital source, and utilization of capital; consults and gives opinions to the Board of Directors in making decision on the plan of long-term spendings and asset procurement. Board of Directors Office: Assists the Board of Directors in the synthesis and management of the Bank’s operations under the resolution of the Shareholders’General Meeting, and the program, working plan already passed by the Board of Directors, gives advice to the Board of Directors on performing the functions of managing Nam A Bank’s operations. Internal Auditing Committee: Performs the auditing of Nam A Bank’s business activities.

Annual Report 2007

The General Director: is the one who is responsible to the Board of Directors, and to the Law for running the daily activities of Nam A Commercial Joint-stock Bank. The General Director is assisted by a number of Deputy General Directors, Bloc Directors, Chief Accountant and the professional machinery, specified as follows: Deputy General Director: Assits the General Director in running one of the fields in the Bank’s activities, as assigned by the General Director; is responsible to the General Director and to the Law for his/her tasks as assigned by the General Director.

Managerial & Executive Machinery

Bloc Director: Assists the General Director in managing and running the activities of his/her Bloc as assigned by the General Director. Chief Accountant: Assits the General Director in giving guidance on performing the accounting and statistics of Nam A Commercial Joint-stock Bank; and has those rights and tasks as stipulated by Law and the Charter of Nam A Commercial Joint-stock Bank. Professional Machinery: Has the functions of advising and assisting the Board of Directors and the General Director in managing and running the business. The professional machinery of Nam A Bank consists of: ° Operational Bloc: Manages and runs those activities in the operating system in support for the business activities, including those Departments of Accounting, International Payment, Funds, and Card Management. ° Northern Bloc: Manages and runs the activities of Nam A Bank in the North, directly manages Ha Noi Branch, Hai Phong Branch, and others. ° Supportive Bloc: Manages and runs the activities in support for all the business operations, including those Departments of Personnel, IT, Administration & Management, and Tifa Section. ° Risk Management Bloc: Manages and runs the activities to minimize any risks that may occur in the business activities, including those Departments of Credit Management, Legislation & Overdue Debts Recovery, and Risk Management. ° Business Bloc I: Manages and runs the business in different Branches; advises and assists the Bloc Director in managing and running the business of the Credit Department. ° Business Bloc II: Manages and runs the activities in supporting and developing the business activities, including those Departments of Capital Source, Foreign Exchange Trade, Financial Investment, and Affiliates Management. ° Marketing Bloc: Manages and runs the activities in supporting and developing the business activities, market & trade mark development, including Department of Customers Development, and Marketing Department. ° General Planning Office: Advises and assists the General Director in planning, synthesizing, supporting and making strategy to develop every activity in the Bank.

Annual Report 2007

Risk Management

Risks of Interest Rate The risks of interest rate occurs when there is many movements of market interest rates which has impact on the Bank’s revenue and operational costs. To control the risks of interest rate, Nam A Bank has been applying a policy on risks of interest rate management based on the analysis and assessment of the differences in term, interest rate of those entries in capital source and assets, wherefrom specific measures of handling are set out: ° The Head office makes the centralized management of capital trade. ° Make the lending with floating interest rates which allows the Bank to flexibly change the lending interest rate to suit the market movement; ° Maintain the reasonable interest rate difference between the input and output, and comply with the regulation on capital safety by the State Bank. Credit Risks Credit risks are the possibilities of loss occurring in Nam A Bank’s activities due to customers’ failure to fulfil or inability to fulfil their obligations as committed. To manage the credit risks, Nam A Bank is currently applying certain following measures: ° Comply with the State Bank’s Regulations on credit business, and capital safety rate; ° Perform the regime on training and refresher course to enhance the professional levels of those officers and employees who run the credit business; ° Build and perfect, step by step, those policies on risk management, particularly credit risks; stipulations on decentralization and approval limits,...; ° Build a credit policy towards products diversifying; ° Standardize the credit procedure with tight stipulations on checking, applying the unified tabulation systemwide; ° Classify, manage and handle bad debts; ° Make the appropriation for risk allowance as stipulated. Foreign Exchange Risks The foreign exchange risks arise when there is any movements of exchange rates reducing the values of those “Credit” and “Debits” in foreign currencies and gold. To minimize the foreign exchange risks, Nam A Bank has built and performed a policy on foreign exchange risks management as follows: ° Comply with the State Bank’s Regulations; ° Manage the open state of foreign exchange; ° Control risks via those stipulations clarifying the functions of different sections and departments; make stipulations on decentralization, transaction limit, limit of loss; ° Diversify the derivative products. Liquidation risks Operating in a field very sensitive to the market fluctuations, with false rumors possibly affecting the business activities, Nam A Bank implements such measures to control the liquidation risks as follows: ° Nam A Bank maintains those rates which can ensure its liquidity, and deposit insurance under the State Bank’s Regulations. ° The Head Office centrally manages its capital sources, ensuring the liquidity throughout the system, via the study, and analysis of term deviation, term predicting, evaluating those spendings mainly affecting the incoming and outgoing cash flow, wherefrom setting out those limitation indexes, list of reasonable investments with high liquidity which can be changed into cash to meet the needs of regular or irregular money draft by customers. ° Nam A Bank always follows up, analyse and assesses and has the responsibilities to make announcements helping its customers and shareholders well understand any of its activities, limiting those false rumours which possibly affect its operations.

Annual Report 2007

Risks from off-Balance-Sheet Activities Most L/C guarantees, and lending commitments by Nam A Bank have secured assets; therefore, the possibilities of the above items to cause movements affecting Nam A Bank’s financial conditions are very low. Legal risks As a public company operating in the financial and monetary field, Nam A Bank always complies with the provisions of Law, of the State Bank, and the State Committee for Securities. As a result, any amendments of those legal documents and norms relating to banking activities does directly affect Nam A Bank’s operations. However, in the orientation of stable and long-term business development, transparent financial conditions and managerial experiences, Nam A Bank shall quickly adapt to the change of regulations. Operating Risks The Bank’s operations are subject to many risks, mainly as: ° Credit risks; ° Liquidation risks; ° Market risks: are those risks arising when there is any extraordinary changes in interest rates, exchange rates, the prices of those securities held by the Bank, and the values of other assets owned by the Bank during the process of its business activities. ° Operational risks. Among the above-said risks, the credit risks when occurring would greatly affect Nam A Bank’s business activities, because its current major activities are lending. Consequently, Nam A Bank Leadership has performed a direction of diversifying its products and services, and its borrowers, making adequate appropriation as stipulated, building a tight credit procedure, and enhancing the credit officers’ professional levels... to minimize the loss when any credit risks occurs. ° With a plan of speeding up, and diversifying its list of investments to increase profit and reduce the dependence on those revenues from credit activities, in the conditions of the stock market with many fluctuations, and with a forecast of interest rate movements in the time to come, and possible occurrence of liquidation risks and market risks, the Leadership had built any performed a policy on capital management; careful choice and tight management of investment lists,... to proactively handle and limit losses when any risks occurs. ° To control operational risks, Nam A Bank has established a tight system of inspection and control, ensuring that all the transactions are checked prior to their performance. Other Risks (acts of God, acts of enemies, fire, explosion,...) To limit losses when any risks of acts of God, acts of enemies, fire, explosion… occurs, Nam A Bank already effected deposit insurance as stipulated by the State Bank, establishing a scheme of data safeguarding in any event of risks due to force majeure, and a scheme of fire control, and asset insurance.

Annual Report 2007

General Director’s Report

In 2007, the economy of Vietnam continued to have stable development, reaching high growth rate of 8.48%, with the foreign investment capital (FDI) of 20.3 billion USD, and increased import, export turnover. However, the business environment of commercial banks encountered certain unfavourable factors such as high rising inflation, unexpected movements of domestic gold prices, the mandatory rate of reserves was adjusted higher by the State bank. In such context, thanks to its rightful orientation of development, Nam A Bank already attained certain remarkable results as follows: * In 2007, all our business targets grew higher than those in previous year, of which Nam A Bank’s profit before tax reached over 107 billion dong, increasing 98.96% compared with that in 2006, and higher than total profit of the three consecutive previous years. * As to those safety targets in business activities, Nam A Bank always ensure compliance with the regulations. * Following the direction of expanding its operating network, up to the year end, Nam A Bank already had a widespread network with 45 dealing units. * In addition to the Letter of Commendation from the State Bank Governor and other titles it already received during the past year, in 2007 Nam A Bank had the honor to receive a Letter of Commendation from the Government Prime Minister, Letter of Commendation from the People’s Committee of Ho Chi Minh City, the title of “Golden Trade mark” awarded by Vietnam Association of Trade mark Protection and title of “Top Trade Services” awarded by Ministry of Industry and Trade.

The results attained in 2007 affirmed the position of Nam A Bank in the system of commercial joint-stock banks and shows that the developing potentialities of Nam A Bank in the years to come shall be great.

Annual Report 2007

Financial overview

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

MAIN ENTRIES IN BALANCESHEET

Amount (Billion dong) 2005

2006

Increase/Decrease(%) 2007

2007 vs 2005

2007 vs 2006

Mobilized from Market I

1,185.20

1,894.75

2,811.55

137.22%

48.39%

Mobilized from Market II

206.53

1,262.88

1,672.11

709.62%

32.40%

Credit loan balance

1,248.83

2,047.54

2,698.70

116.10%

31.80%

Total assets

1,605.24

3,884.44

5,249.95

227.05%

35.15%

150.00

550.00

575.92

283.95%

4.71%

Profit before tax

29.12

53.96

107.36

268.68%

98.96%

Profit after tax

20.97

39.14

75.18

258.51%

92.07%

ROA (%)

2.11%

2.38%

2.40%

0.29%

0.02%

ROE (%)

23.70%

12.11%

18.28%

-5.42%

6.17%

Dividend rate (%)

12.30%

11.12%

10.15%

-2.15%

-0.97%

Capital safety rate (%)

17.17%

32.63%

21.07%

3.90%

-11.56%

Registered capital

Operating results

Financial targets

Nam A Bankâ&#x20AC;&#x2122;s total assets as at December 31, 2007 amounted to 105,249.95 billion dong, increased 35.15% compared with that in end 2006, performed 70.39% compared with its plan, which shows that Nam A Bankâ&#x20AC;&#x2122;s operating scale has been expanded. To strengthen its financial capacity, competitiveness, investment in technological renovation, and expansion of its operating network, Nam A Bank already set out the targets and plan of increasing its registered capital to 1,350 billion dong in end 2007. Up to end 2007, Nam A Bankâ&#x20AC;&#x2122;s registered capital was 575.92 billion dong, and in the 1st quarter 2008, the Bank continued to issue shares for the increase of its registered capital to 1,252.83 billion dong.

Annual Report 2007

Capital mobilization

Balance (billion dong)

(%) Increased compared with the beginning

4,483.65

41.99%

Deposits from individual & organizations

2,811.55

48.39%

Deposits from other credit organizations

1,672.11

32.40%

Targets (as at December 31, 2007) Total mobilization Of which:

With the increasingly expanded operating network, the mobilized interest rate being reasonably and timely adjusted, and better and better services by the staff to customers, Nam A Bankâ&#x20AC;&#x2122;s ability of capital mobilization has been increased. Up to end 2007, total capital mobilized by Nam A Bank amounted to 4,483.65 billion dong, increased 41.99% compared with that at the beginning, of which: * The capital mobilized from market 1 (individuals and economic organizations) amounted to 2,811.55 billion dong, increased 48.39% compared with that at the beginning, accounting for 62.71% of total mobilized capital. The growth of capital mobilized from market 1 has created the basis for Nam A Bank to develop its credit activities and other business activities * The capital mobilized from market 2 amounted to 1,672.11 billion dong, increased 32.40% compared with that at the beginning, reaching 122.34% compared with the plan. The Bankâ&#x20AC;&#x2122;s mobilized capital from market 2 has been steadily increased during the period of 2003-2007, which shows that Nam A Bank has expanded its relationships with other banks, making favourable conditions in settling transactions, and gradually affirming the Bankâ&#x20AC;&#x2122;s prestige in the interbank market. Capital mobilized from people economic organizations

18,06%

Capital mobilized from credit organizations

Short term Midium term

81,94%

Unit: Billion dong 1.672

Structure of term mobilization 1.263 4,83% 4,28%

2.812 207 61 62

948

1.895

VND

1.185

658

2003

90,90%

2004

2005

2006

USD Gold

2007

Mobilization growth stage 2003-2007

Structure of term mobilization: Nam A Bank makes its capital mobilization by diversifying different kinds of term (from at call, 1 month to 36 months). Short-term deposits of 12 months or shorter account for 81.94%, those with medium-term account for 18.06%, of total mobilization. The structure of mobilized term: is adjusted by Nam A Bank to suit its plan of capital utilization. Mobilization growth stage 2002-2006: Nam A Bank mobilizes capital with different kinds of currency such as VND, gold and foreign currency, of which VND accounts for higher rate, while gold and foreign currency account for lower rates. Nam A Bank has proactively adjusted the structure of mobilized capital by kind of currency, to meet the needs and effectively reach its business goals.

Annual Report 2007

Total capital used in business

(%) Increased compared with the beginning

4,865.19

36.20%

2,698,70

31.80%

306.79

179.38%

1,521.45

33.60%

338.25

22.55%

Of which: Investment in credit Investment in valuable documents Deposits at credit organizations Liquidated capital

Capital usage

Balance (billion dong)

Targets (as at Dec. 31, 2007)

Total capital used by Nam A Bank in business up to end 2007 amounted to 4,875.19 billion dong, increased 35.87% compared with that at the beginning, of which Nam A Bank’s investment in credit reached 2,698.70 billion dong, increased 31.80% compared with that at the beginning. Although Nam A Bank’s credit loan balance was increased in 2007, and the State Bank applied tighter regulations on debt classification, Nam A Bank still controlled the bad debt rate at a safe level of 1.64%, lower than the target set out by the Shareholders’ General Meeting (2%) and already made the appropriation of allowance for credit risks of 8.06 billion dong, as at December 31, 2007. The investment in credit accounted for the major rate in the capital utilization by Nam A Bank. However, in 2007, Nam A Bank gradually paid attention to the investment in valuable documents, and specifically up to the year end this kind of investment reached 306.79 billion dong, increased 179.38% compared with that at the beginning. This is an investment bringing about relative high profit for Nam A Bank’s operations.

Growth of capital utilization during the period of 2003-2007 338 1521

Liquidity capital Deposits at credit organization 276

Investment in valuable documents

1139 307

Credit investment

2699

Unit: Billion dong 110 2048

100 92 79 1249

64 186 62 794

53 112 9 608

2003

2004

2005

2006

2007

Annual Report 2007

0.77%

6.49%

2.41%

36.26% 38.08%

Credit structure in 2007

55.73%

91.10%

61.92%

7.20%

0.04%

Business with foreign in investment capital

Medium & long term

Gold

Limited liability companies

Short term

USD VND

Private businesses State sector Individuals

Credit structure by economic sectors

Structure of credit loan balance by term

Structure of balance of credit loan by currencies

Furthermore, Nam A Bank always ensures the compliance with those regulations on safety in business operations as stipulated by the State Bank. The minimum rate of capital safety, rate of solvency, foreign currency conditions positive compared with owned capital, rate of capital utilization for investment in fixed assets… are always ensured. To sum up, in 2007, Nam A Bank continued to make stable and sustainable development, all of its business targets grew higher than those in previous year, and basically Nam A Bank already fulfilled those major tasks as set out by the 15th Shareholders’s General Meetiing. As at December 31, 2007, the balance of mediumterm and long-term lendings by Nam A Bank was 1,027.56 billion dong, increased 92.76% compared with 2006, accounting for 38.08% of total loan balance. This show that Nam A Bank has expanded its medium-term and long-term lendings suitable to the direction of increasing the lending to production development and investment in infrastructure development. Nam A Bank’s loan balance is mainly VND lending, accounting for 91.10% of total loan balance; USD for 6.49% and gold lending for 2.41%.. International payment: Nam A Bank’s import and export turnover in 2007 reached 67.61 million USD, increased 73.64% compared with the results attained in 2006. In 2007, Nam A Bank expanded the operation of international payment at certain units in the system, and increased the network of agency banks, and Nam A Bank already well and timely updated and coped with new regulations on international payment such as UCP 600, IBSP 2007. Capital source: In 2007, Nam A Bank made the optimal balance of capital source, well ensuring the liquidation for business activities, and complying with the regulations on ensuring the solvency systemwide. The activities in the interbank market in 2007 developed remarkably,

and Nam A Bank already expanded its cooperation with other credit organizations, and such organization also widened the limits for Nam A Bank. Profit before tax: In 2007, Nam A Bank’s profit before tax continued to grow higher, reaching 107.36 billion dong, increased 98.96% compared with the business results in 2006. These were due to the contribution from all aspects of the Bank’s operations, of which the rate of revenues from nonlending services accounted for 30.42% of total revenues, 9.13% higher than that in 2006, and exceeding 5.42% compared with that set out in the plan (25%). 107.36

Unit: billion dong

53.96

29.12 20.44 14.75

2003

2004

2005

2006

2007

Profit before tax Stage 2003-2007

100

Annual Report 2007

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

Network development

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

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

Human resource development

Facing the high rising of market prices, Nam A Bank has timely adjusted to raise the incomes of all the officers and employees to ensure their material living. Moreover, Nam A Bank also pays more attention to training work to enhance the professional level of its officers and employees. In 2007, Nam A Bank organized short-term training courses and dispatched officers to attend professional training courses at University of Banking, and participate in those seminars and workshops organized by Vietnam Banking Association. In the trend of international integration, modern IT and programs of managerial applications to meet the requirements of data management, synthesis, analysis and dealing with customers shall make favourable conditions for more and more effective banking operations. Realizing the important role of IT, in 2007 Nam A Bank carried out the technological modernization for business operations with the attained results as follows:

IT modernization

- Complete the receipt of the core program of Tifa software transferred from TransInfoTech and develop the application of Tifa program throughout the Bank. Besides, Nam A Bank continued to build and establish those managerial functions suitable to its needs of development. - Modernize the corebanking with purpose of safe business activities and bringing about utilities for customers. - Connect the systemic network (WAN) throughout the Bank to meet the IT standards of online payment and data concentration. - Complete the test on the managerial program with Tifa at the Head office.

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

Marketing activities

The year 2007 saw Nam A Bank organize many great events such as the 15th Annual Shareholders’ General Meeting; Shareholders’ General Meeting Term V; Ceremony to sign the Agreement of Companionship Cooperation between Nam A Bank and BIDV; the 15th anniversary of Nam A Bank’s establishment. Through such great events, Nam A Bank’s Trade mark have been widely publicized. In addition, in 2007 Nam A Bank continued to carry out those communal activities, presenting the image of Nam A Bank to a large number of customers, such as sponsoring program “Walking for the Poor Handicapped and Humanitarian Blood Donation”, sponsoring the prize “Hole in One”; awarding the scholarship “For the Future University Students”, and contributions to Charitable funds. With the objective of continued business development, effective increases of profit and ensuring the system safety, Nam A Bank focused on enhancing and perfecting the System of Internal Inspection and Control. It is such inspection and control that have helped bring about the Bank’s very safe operations.

System of Internal Inspection and Control

Annual Report 2007

101

102

Annual Report 2007

103

Business plan for 2008

Build and develop Nam A Bank aiming to profit maximizing, and ensuring the Shareholders’ interests, better and better meeting the customers’ needs, developing a team of employees with high quality, continually enhancing the Bank’s competitiveness. This shall step by step help Nam A Bank become a strong one with professional officers and employees and modern and safe technologies, towards a multi-purpose bank with fast, sustainable, safe and effective growth rate. Financial targets: - Registered capital of 2,000 billion dong as at the year end - Total assets: 10,350 billion dong . - Total mobilization: 8,000 billion dong, of which: From market 1: 5,900 billion dong From market 2: 2,100 billion dong Total loan balance: 5,000 billion dong Profit after tax: 210 billion dong Targets of financial investment activities: - Investment in capital contribution to the establishment of a Real estate investment & Trade company and an Insurance Company: 60 billion dong. - Capital contribution to share purchase and financial investment: 300 billion dong. - Investment and trade in securities: 200 billion dong - Investment and trade in other fields: 400 billion dong Targets and plan of network development: - The newly-established branches are 7 branches, including those in Hai Phong, Can Tho, Vung Tau, Bien Hoa, Binh Duong, Phan Thiet, Da Lat. - The newly-established transaction offices are 22 Transaction Offices. Investment in basic construction and purchase of fixed assets: - Start to build the new Head Office at No. 201-203 Cach Mang Thang Tam St., District 3, Ho Chi Minh City - Investment in building those Branches in such large cities as Ha Noi, Hai Phong, Nha Trang, Binh Phuoc, Can Tho and others. - Repair, purchase of equipment for the establishment of new Companies, Branches and Transaction Offices. - Investment in modernizing IT and in card services. Targets of Human Resources and Total Wage Fund: - Personnel target at the end of 2008 is 1,305 persons. - Total wage fund in 2008 is increased 86.48% compared with that actually performed in 2007.

Action Program

Financial capacity enhancement - Continue to supplement the registered capital to 2,000 billion dong in end 2008, in form of new share issuance for capital increase. - Always ensure the minimum rate of capital safety over 8%. - Ensure the rate of bad debts under 1.8%, quickly handle such bas debts, and identify those with bad signs for reasonable and prompt solutions to handling thereof. - Research and set out a scheme of bond issuance to enhance the financial capacity, the liquidity and the efficiency of business activities. - Look for opportunities of cooperation with strategic partners, domestic and overseas, making favourable conditions for Nam A Bank’s stronger operations, and contributing to the enhancement of the Bank’s trade mark and operating capacity in the following years. Adjustment of organizational structure: To ensure the performance of its operating plan for 2008, Nam A Bank shall make the adjustment of organizational structure at its Head Office to build an organizational system with adequate advising sections, helping the Executive Board carry out every business activity under the plan already set out with those changes to be made as follows: - Centralized management: For the branches and affiliated companies, internal payment and auditing. - Separated and specialized functions: Risk management and business management, administrative management and personnel management.. - Consolidate and strongly develop such activities as marketing, funds, debt recovery, personnel management. - Diversify the retail distribution channels, modern banking services.

104

Annual Report 2007

Human Resources Development: The Human Resources are always deemed to be the most precious assets of the Bank, a factor contributing to the success and sustainable development by Nam A Bank. Therefore, the Human Resources development plan for 2008 is embodied in the following contents: - Build a recruitment procedure to meet the quality requirements of the newly-recruited officers and employees, in 2008. - Build guidelines and itinerary of developing individual career, creating the best working environment and conditions for the employees to maximally enhance their working efficiency. - Make the job description for each specific title in the system. - Speed up the training of officers and employees combined with those professional training units outside, to enhance the professional qualification and managerial and executive capacities of officers on different levels. - Carry out the active emulation, praise and rewards, encouraging officers and employees to do their jobs with high sense of responsibility, and hence their rightful and prompt commendation. Systemic management: Nam A Bank proceeds to make regulations on transparent assignments and managerial and executive decentralization in every activity of the Bank, parallel to the mechanism of risk control and management. The specific assignments define each individual’s rights and responsibilities, and at the same time enhance the creativeness in work. For the effective operation of the adjusted organizational mechanism as mentioned above, Nam A Bank shall make the reviewing, adjusting and promulgating of its regulations and procedures to meet the requirements of practical situations, particularly emphasizing those regulations and procedures on new products, on ensuring the safety of credit, investment, and trading activities under the State Bank’s Regulations. IT work: With the objective of ensuring the online management and execution systemwide, connecting to and dealing with all the systems in the banking field suitable to the requirements of development and integration, Nam A Bank shall proactively make a plan of investment in and development of IT from present to 2012, wherefrom making a project of investment in the development of IT in each stage as a basis of synchronized, firm and effective performance. Network development: To enhance its operating capacity and expand its market share, in 2008 Nam A Bank shall strongly develop its operating network, step by step, towards the objective of making the presence of Nam A Bank’s Trade mark felt in different key economic areas nationwide. Investment in building material premises and equipment: - To enhance its operating capacity in business, and build its materials premises, more and more magnificent and modern, in 2008 Nam A Bank shall strongly develop those projects of investment in building the material premises, and equipment systemwide. - Nam A Bank’s total investment capital in fixed assets accrued up to end 2008 shall not exceed 50% of owned capital, ensuring the compliance with the provisions of Law on Credit Organizations. Marketing activities: During the present period, Marketing activities are those frequently affecting the Bank’s business operations. Marketing is deemed to be a tool of supporting the Bank in good performance of its business targets. Therefore, in 2008, Nam A Bank shall focus on building a plan of Marketing development suitable to practical situations, aiming to carry out the customers policy and publicizing the image of Nam A Bank in the financial market. Internal inspection and control - Incessantly strengthen the inspection and control over every activity of Nam A Bank; every material risk shall be continually identified, measured, inspected and controlled. - Separate the functions of risk management and business management from each other. - Proceed to arrange, and deploy the system of internal inspection and control corresponding to and suitable to the organizational structure of management by functions, aiming to the tighter and tighter risk management, prompter and more effective.

Annual Report 2007

105

2007

Financial report

106

Annual Report 2007

107

Consolidated balance sheet 2007 Unit: VND ASSETS

Ending balance

Beginning balance

Cash on hand, gold, gemstones

V.1

225,123,364,969

226,583,581,225

II.

Deposits at the State Bank of Vietnam

V.2

113,135,835,339

49,421,723,815

III.

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

V.3

1,521,453,321,652

1,138,799,665,119

Cash and gold and deposits at other credit organizations

1,521,453,321,652

1,138,799,665,119

Loans given to other credit organizations

Provisions for credit risks

IV.

Securities trading

197,000,000,000

Trading securities

197,000,000,000

Provisions for devaluation of securities

Financial derivatives and other financial assets

V.4

VI.

Loans given to customers

2,690,632,633,592

2,040,996,835,726

Loans given to customers

2,698,695,346,080

2,047,540,759,227

Provisions for loan losses

(8,062,712,488)

(6,543,923,501)

VII.

Investment into securities

109,790,133,438

109,806,944,450

Securities available for sale

Securities held to maturity dates

Provisions for devaluation of securities

VIII. Capital contribution and long-term investment

V.5

V.6

V.7

32,550,111

31,861,119

109,757,583,327

109,775,083,331

15,857,326,808

Investments in subsidiaries

Investment in join ventures

Investment in associates

Other long-term in investments

15,857,326,808

Provisions for devaluation of long-term investment

IX.

Fixed assets

Tangible fixed assets

- Historical costs

V.8

78,321,418,096

61,436,067,752

34,235,307,842

25,809,748,654

53,948,434,132

39,847,967,700

- Depreciation of fixed assets

(19,713,126,290)

(14,038,219,046)

Financial leasehold assets

- Historical costs

- Depreciation of fixed assets

Intangible fixed assets

- Initial costs

- Amortization of fixed assets

Other current assets

Accounts receivable

Interests and fees receivable

Deferred income tax assets

Other current assets

V.9

44,086,110,254

35,626,319,098

44,850,925,516

36,020,492,762

(764,815,262)

(394,173,664)

304,932,502,397

241,580,605,907

V.10

241,911,618,179

205,563,095,807

V.11

50,606,984,607

27,936,101,519

12,413,899,611

8,081,408,581

- In which: Goodwill

Other provisions for risks from other assets

5,240,389,209,483

3,884,482,750,802

Total assets

108

Note

Annual Report 2007

V.12

Note

II.

LIABILITIES AND OWNER'S EQUITY Account payable to State Bank of Vietnam and Government Deposits and loans from other credit organizations

Deposits from other credit organizations

V.13

Ending balance

Beginning balance 11,000,000,000

1,640,000,000,000

1,227,240,423,800

1,640,000,000,000

1,081,896,500,000

Loans from other credit organizations

145,343,923,800

Loans from overseas credit organizations

Capital received for co-sponsorship loans

V.14

2,801,849,647,598

1,894,749,121,793

V.15

32,104,422,561

24,638,412,000

III. Deposits from customers IV. Financial derivatives and other financial debts V.

Entrusted funds

VI. Issuance of valuable documents

200,000

99,934,198,481

127,841,691,944

V.16

58,401,508,397

43,906,449,697

V.17

41,409,714,116

83,892,525,177

122,975,968

42,717,070

4,573,888,468,640

3,285,469,849,537

666,500,740,843

599,012,901,265

VII. Other liabilities 1

Interests and fees payable

Deferred corporate income tax payable

Accounts payable and other debts Provisions for other credit risks (inherent liabilities and offbalance-sheet commitments) Total amount payable

VIII. Equity and funds 1

Equity of the credit organization

575,960,038,642

550,035,298,642

Prescribed capital

V.18

575,924,740,000

550,000,000,000

Construction investment fund

V.18

10,126,842

Share premiums

Treasury stocks

Preferred shares

Other funds

25,171,800

V.18

Difference 2

Funds of credit organization

V.18,19

15,434,662,614

9,837,419,292

Foreign exchange differences

Differences on revaluation of assets

Retained earning/ Accumulated loss

75,106,039,587

39,140,183,331

Interest of minority shareholders 5,240,389,209,483

3,884,482,750,802

V.18

Total liabilities and owner's equity

Off-consolidated balance sheet items Items I.

Inherent liabilities

Loan guarantees

Ending balance

Beginning balance

67,159,953,663

30,951,514,356

Commitments in transactions of L/C opening

52,769,626,439

26,059,777,673

Other guarantees

14,390,327,224

4,891,736,683

Commitments

Commitments on supports to customers

Other commitments

Ho Chi Minh City, 4 January 2008 Preparer

Nguyen Thuy Hong

Chief Accountant

Tran Thi Bao Tram

General Director

Truong Minh Khai

Annual Report 2007

109

Consolidated income statement 2007 Unit: VND Items

Note

Current year

Previous year

Interest income and similar income

VI.1

507,514,712,904

266,014,822,625

Interest expenses and similar expenses

VI.2

356,197,601,435

170,818,096,514

151,317,111,469

95,196,726,111

6,835,529,165

6,417,832,420

Net interest income Income from service provisions

2,775,460,413

1,539,702,466

Net gain from services

Expenses on services provisions VI.3

4,060,068,752

4,878,129,954

Net gain from foreign currency trading

VI.4

1,931,519,391

3,075,826,326

Net gain from dealings of trading securities

Net gain from dealings of investment securities

17,785,942,164

3,596,331,172

600,000

17,785,342,164

3,595,731,172

22,700,000,000

6,390,000,000

Gain from other activities

VI.5

Expenses on other activities Net gain from other activities Gain from capital contribution and purchases of shares

VI.6

Operating expenses

VI.7

80,645,136,084

Net operating income before provision for credit losses

117,148,905,692

Provision for credit losses

51,156,900,219 61,979,513,344

9,862,492,001

8,017,359,962

107,286,413,691

53,962,153,382

32,180,374,104

15,148,902,947

Corporate income tax

32,180,374,104

15,148,902,947

Profit after tax

75,106,039,587

38,813,250,435

1,315

2,588

Total profit before tax Current corporate income tax

VIII.2

Deferred corporate income tax

Interest of minority shareholders Earning per share

VI.8

Ho Chi Minh City, 4 January 2008 Preparer

Nguyen Thuy Hong

110

Annual Report 2007

Chief Accountant

Tran Thi Bao Tram

General Director

Truong Minh Khai

Consolidated cash flow statement 2007 Items

Current year

Previous year

107,286,413,691

53,962,153,382

Depreciation of fixed assets and investment property

6,048,482,168

4,893,569,889

Provisions for credit risks, devaluations, increases of investments/(reversals)

9,159,706,281

7,511,060,549

(311,765,663,633)

(146,751,645,309)

Interest and fees payable/(not yet paid actually)

220,033,442,083

131,560,828,644

(Gain)/loss from liquidation of fixed assets

(13,664,714,850)

(5,400,000)

(22,700,000,000)

(14,697,966,194)

Unrealized exchange gain

Other adjustments

(112,889,358)

(5,602,334,260)

36,359,711,603

(Increase)/Decrease of gold and deposits and loans given to other credit organizations

(480,000,000,000)

(100,000,000,000)

(Increase) /Decrease of trading securities

(197,000,000,000)

(40,076,445,000)

(651,154,586,853)

(798,711,932,490)

289,094,780,545

125,070,515,440

CASH FLOWS FROM OPERATING ACTIVITIES Profit before tax Adjustments:

Interest and fees receivable/(not yet received actually)

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

Operating profit before changes in current assets and liabilities Changes in current assets and liabilities Changes in current assets

(Increase)/Decrease of financial derivatives and other financial assets (Increase)/Decrease of loans given to customers (Increase)/Decrease of interests and fees receivable (Decrease)/Increase of provisions for losses

(7,560,658,396)

(2,628,043,848)

Other (increase)/decrease of current assets

(40,681,013,402)

(189,736,892,772)

Increase/(Decrease) of accounts payable to State Bank of Vietnam and Government

(11,000,000,000)

(8,000,000,000)

Increase/(Decrease) of deposits and loans from credit organizations

412,759,576,200 1,058,520,423,800

Increase/(Decrease) of deposits from customers (including State Treasury)

907,100,525,805

709,554,585,034

7,466,010,561

5,828,912,000

(205,538,383,383)

(109,699,845,914)

(47,142,928,863)

64,283,346,943

(29,259,012,046)

750,764,334,796

(27,520,256,302)

(10,426,844,602)

(7,470,873,201)

(4,126,015,924)

(64,250,141,549)

736,211,474,270

Changes in current liabilities

Increase/(Decrease) of financial derivatives and other financial debts Increase/(Decrease) of trust funds and other borrowed funds Increase/(Decrease) of issuance of valuable documents (except for valuable documents included into financing activities) Increase/(Decrease) of interest and fees payable Other increase/(decrease) of current liabilities Net cash flows from operating activities before corporate income tax Corporate income tax already paid Disbursement from funds of credit organizations Net cash flows from operating activities

Annual Report 2007

111

Consolidated cash flow statement 2007 (cont.) Items

Current year

Previous year

(27,067,917,662)

(7,438,699,950)

17,798,800,000

5,400,000

Expenses on liquidations and disposals of fixed assets

Purchases of investment property

Gains from liquidations and disposals of investment property

Expenses on liquidations and disposals of investment property

Investments into other entities (acquisition of subsidiaries, investments into joint venture, associates and other long-term investments)

(15,700,000,000)

Gain from investments into other entities (gain from sales, liquidations of subsidiaries, investments into joint ventures, associates and other long-term investments)

15,726,811,012

9,000,000,000

Receipts of dividends and profits shared from long-term investments and capital contributions

22,700,000,000

14,697,966,194

29,157,693,350

564,666,244

CASH FLOWS FROM INVESTING ACTIVITIES Purchases of fixed assets Gains from liquidations and disposals of fixed assets

Net cash flows from investing activities

112

Annual Report 2007

Consolidated cash flow statement 2007 (cont.) Items

Note

Current year

Previous year

Increase/(Decrease) of share capital from capital contribution and/or from share issuance

400,000,000,000

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

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

CASH FLOWS FROM FINANCING ACTIVITIES

Dividends paid to shareholders and profit shared

(14,192,932,474)

Purchases of treasury stocks

Gain from sales of treasury stocks

Net cash flows from financing activities Net cash flows during the year Beginning cash and cash equivalents

VII.1

385,807,067,526

(35,092,448,199)

1,122,583,208,040

1,314,804,970,159

192,221,762,119

1,279,712,521,960

1,314,804,970,159

Effects of fluctuations in foreign exchange rates Ending cash and cash equivalents

VII.1

Ho Chi Minh City, 4 January 2008 Preparer

Nguyen Thuy Hong

Chief Accountant

Tran Thi Bao Tram

General Director

Truong Minh Khai

Annual Report 2007

113

Notes to the consolidated financial statements Operation features of the bank and its subsidiary

Investment form: A joint stock company Operating field: Banking Number of subsidiary: 01, In which: number of subsidiary to be consolidated: 01. Information on subsidiary to be consolidated Subsidiary AMC – Nam A Bank

Fiscal year and standard currency unit used in accounting

Addresss

Benefit rate

97 Nguyen Thai Binh, District 1, Ho Chi Minh City

100%

Voting right 100%

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

Accounting standards and system

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

Accounting policies applied at the group of companies

Accounting convention All the consolidated financial statements are prepared in accordance with the historical cost convention. Consolidation bases Subsidiaries ° A subsidiary is an enterprise that is controlled by the parent company. The control exists when the parent company has the power to directly or indirectly govern the financial and operating policies of the subsidiary to obtain economic benefits from its activities. In determining the control power, the options that are currently valid or will be transferred should also be taken into consideration. ° The business results of a subsidiary are included in the consolidated financial statements from the date of acquisition, which is the date on which the control of the acquired subsidiary is effectively transferred to the buyer. The business results of a subsidiary disposed are included in the consolidated income statement until the date of disposal. ° The difference between the investment expenses and the ownership share of the bank in the fair value of the net recognizable assets of the subsidiary as of the acquisition date is recorded as a goodwill. ° Balances in the balance sheet and internal transactions and unrealized profits resulting from these transactions are eliminated when the consolidated financial statements are prepared. Unrealized losses resulting from internal transactions are also eliminated unless costs cannot be recovered. Foreign currency translation All the economic transactions generated during the year in foreign currencies (mainly in USD) are translated into VND at the inter-bank exchange rates ruling as at the month-end or at the year-end. The exchange differences during the period and those due to the revaluation of the ending balances in foreign currencies are posted into the income statement. The exchange rate used as of 31 December 2006: VND 16,061/USD VND 31,034/GBP VND 133.1/JPY VND 13,604/CAD VND 12,489/AUD VND 21,111/EUR Gold: VND 1,223,000/ one-tenth of a tael. The exchange rate used as of 31 December 2007: VND 16,012/USD VND 31,794/GBP VND 138.91/JPY VND 16,225/CAD VND 13,984AUD VND 23,432/EUR VND 14,124/CHF VND 2,929/NOK Gold: VND 1,604,000/one-tenth of a tael. Recognition of interests, estimated interests receivable and interest expenses Sales are recognized when the bank is able to gain economic benefits from the transaction and the revenue is determined rather reliably. In which, the interests on loans of which interest and principal amount are determined as being able to recover on due date will be recognized into income.

114

Annual Report 2007

For the amount of interests receivable already recorded into income but on which, the customer cannot pay interest and principal amount on due date, the financial institution has to make adjustment on these interests and trace these as off-balance sheet items in order to speed up its recovery. This amount of interest will be recorded into operating income upon the actual receipt. Interest on loans and deposits will be recorded on the basis of estimated amount. Loans given Loans are recognized when the loan agreement or loan receipt commitment is signed by the bank and customer and the loan amount is released to customer by the bank. Loans are given to individuals and entities under such forms as loans given by installments, loans given according to credit lines, loans given to investment projects, syndicated loans, loans repaid by installments, or loans secured by saving accounts and valuable documents, etc. Security forms are collaterals, guarantees or trust receipts. Loan classifications and credit risk assessments are done, based on the regulations of Article 6, Decision No. 493/2005/QÑ/NHNN dated 22 April 2005 and the Decision No. 18 dated 25 April 2007 of the Governor of the State Bank of Vietnam. Extractions for provisions of credit risks are made on the basis of overdue debts already being classified. The provisions are made, based on the regulations of Article 8, and the rates of provision are based on the regulations of Item 4, Article 6 of the two Decisions above. The rates of extraction are as follows: Group 1: 0% Group 2: 5% Group 3: 20% Group 4: 50% Group 5: 100% The rate to make general provision is 0,75% on total balance of loans specified from group 1 to group 4 for the period of 5 years. Details are as follows: First year: 8% Second year: 32% Third year: 56% Fourth year: 80% Fifth year: 100% The writing off of debts which are unable to recover will be done, based on the regulations of the two Decisions mentioned above. Trading securities and investing in securities Trading securities, investments into securities, subsidiaries, associates and jointly controlled entities are recorded at their original costs. Provision for devaluation of investment in securities is made for each particular type of securities in the market and for which the market value decreases in comparison with the book value as of the date of the bank’s physical counts and the preparation of financial statements. There are no provisions for those securities which are not freely traded in the market. Intangible fixed assets + Land use right Land use right includes all the actual expenses related to the land being used such as expenses to obtain the land use right, expenses for house removal and land clearance, expenses on ground leveling, registration fees, etc. The land use right is permanent, so it is not amortized. + Computer software Computer software includes all the expenses paid until the date the software is put into use. Computer software is amortized for the period from 3 years to 5 years. Tangible fixed assets + Evaluation principle ° The valuation of fixed assets is determined by their historical costs less accumulated depreciation. ° Historical costs of fixed assets include the buying prices and other directly related costs to put the fixed assets into use. The purchasing, renovation and renewal expenses are included in the historical costs of fixed assets while the costs on repairs and maintenance are posted into the income statement. ° When an asset is disposed or liquidated, its historical cost and accumulated depreciation are written off, then any profit/ (loss) from the liquidation is recorded into the income statement. + Depreciation method Fixed assets are depreciated in accordance with the straight-line method in order to gradually write off their historical costs over the estimated useful lives as stipulated in the Decision No. 206/2003/QÑ-BTC dated 12 December 2003 of the Minister of Finance. Details are as follows: - Buildings and structures: 5 – 25 years - Vehicles: 5 – 10 years - Machinery and equipment: 3 – 8 years - Office equipment: 3 – 5 years - Other assets: 3 – 7 years Operating leasehold assets A lease of asset is considered an operating lease in case most of the risks and rewards associated with the ownership of that asset belong to the lessor. The lease expenses are allocated in the bank’s operating expenses in accordance with the straight-line method over the leasing period and are not subject to the method of lease payment. Corporate income tax The group of companies is responsible to pay corporate income tax at the rate of 28% on taxable income. Corporate income tax during the period includes current income tax and deferred income tax. Current income tax is the tax amount computed based on the taxable income during the period at the tax rates applied as of the balance sheet date. Taxable income is different from accounting profit due to the adjustments of temporary differences between tax and accounting figures as well as those of non-taxable or non-deductible income and expenses. Capital The sources of capital of the bank include: ° The bank’s capital is recorded at the actual amounts of capital already invested by the shareholders. ° Share premiums are the difference between the issuance price and face value. ° Other sources of capital include the supplement from the business results, the value of the assets which are given to the bank and the revaluation of assets. The funds are extracted and used according to the regulations of the Decree No. 146/2005/NÑ-CP dated 23 November 2005 of the Government and the bank’s charter. Related parties A party is considered a related party of the bank in case that party is able to control the bank or to cause material effects on the financial decisions as well as the operations of the company.

Annual Report 2007

115

Additional information on the items of the consolidated balance sheet Cash on hand, gold and gemstone Ending balance

Beginning balance

VND

71,346,901,200

40,179,047,799

Foreign currency

25,958,515,769

12,673,316,951

Gold TOTAL

127,817,948,000

173,731,216,475

225,123,346,969

226,583,581,225

Ending balance

Beginning balance

Deposits at the State Bank of Vietnam Ho Chi Minh City Branch – VND Ha Noi Branch

45,089,794,230

17,739,518,547

627,679,027

1,313,174,217

Exchange of the State Bank – USD (head office)

14,597,724,568

8,423,690,625

Exchange of the State Bank – VND (head office)

39,859,348,413

15,914,789,781

Exchange of the State Bank (Ha Noi Branch)

50,692,597

18,672,597

Nha Trang Branch

9,620,394,128

1,923,319,871

Quy Nhon Branch

2,491,479,713

3,955,802,333

Binh Phuoc Branch

354,158,147

132,755,844

39,609,875

Thu Duc Branch Da Nang Branch TOTAL

404,954,641

113,135,835,339

49,421,723,815

These are mostly the current accounts and the compulsory reserves at the State Bank. In which, the compulsory reserves are determined in compliance with the regulations of the State Bank at the rates as follows: ° Under-12-month term deposits and demand deposits: 10% ° Deposits of which the periods are from 12 months to 24 months: 4%

Deposits in local and overseas credit organizations Ending balance Demand deposits

21,305,120,605

9,303,603,447

10,864,543,371

7,335,107,498

Ha Noi Branch

6,437,117,957

104,503,047

Nha Trang Branch

3,019,036,793

115,515,812

Quy Nhon Branch

187,028,779

1,142,609,537

604,038,592

762,470,825

1,828,961

Head office

Van Ninh Branch Binh Phuoc Branch Da Nang Branch Demand deposits at foreign banks Head office Time deposits

34,922,880

8,335,601,047

14,417,211,672

8,335,601,047

14,417,211,672

1,491,812,600,000

1,115,078,850,000

Head office

617,009,000,000

782,956,850,000

Ha Noi Branch

874,803,600,000

332,122,000,000

1,521,453,321,652

1,138,799,665,119

TOTAL

116

Beginning balance

Annual Report 2007

Trading securities Ending balance Securities issued by local credit organizations (1) Securities issued by local economic organizations

(2)

TOTAL

Beginning balance

135,000,000,000

62,000,000,000

197,000,000,000

(1) Stocks issued by Techcombank are purchased by Nam A Bank and they will be sold after 6 months back to the seller at the price of the buying price plus the interest rate of 1,1%/month. The number of stocks of which the face value is VND 10,000 is 992,500 and the number of stocks of which the face value is VND 5 million is 4,015. (2) These are the stocks issued by Ben Tre Forestry and Fishery Products Company, of which the face value is VND 10,000 and the number of stocks is 1 million and stocks from the Transportation Engineering Civil Building Investment Company No. 584, of which the face value is VND 10,000 and the number of stocks is 600,000.

Loans given Loans given to local economic entities and individuals Loans given in form of discounting bills and valuable papers Loans given from entrusted funds

Ending balance

Beginning balance

2,669,424,153,425

1,682,594,735,410

2,825,172,491

338,502,680,817

26,250,270,164

25,464,493,000

195,750,000

978,850,000

2,698,695,346,080

2,047,540,759,227

Ending balance

Beginning balance

Loan given to foreign entities and individuals Debts which are fixed by lump sum and debts which are waiting for treatment TOTAL

Loans specified Groups Group 1

2,603,568,871,835

1,892,749,960,970

Group 2

50,768,437,098

121,588,429,405

Group 3

10,394,709,000

3,060,898,500

Group 4

6,130,762,823

13,740,940,600

Group 5 TOTAL

27,832,565,324

16,400,529,752

2,698,695,346,080

2,047,540,759,227

Loans specified according to loan period Ending balance Short-term loans

Beginning balance

1,670,935,291,465

1,513,473,397,004

Medium-term loans

898,588,715,943

489,975,542,963

Long-term loans

128,975,588,672

43,112,969,260

195,750,000

978,850,000

2,698,695,346,080

2,047,540,759,227

Loans to be treated TOTAL

Annual Report 2007

117

Loans specified according to forms of business Ending balance

Beginning balance

Stated-owned limited liability companies

337,780,407,690

Other joint stock companies

274,890,188,125

89,595,776,566

681,031,272,851

385,019,467,007

20,818,293,399

15,600,213,126

Private limited liability companies

Foreign-invested companies

Central Stated-owned companies

Private enterprises

Individuals

Collective entities TOTAL

1,007,537,050

1,748,283,575

190,049,995,268

113,117,420,000

1,525,898,059,387

1,099,679,191,263

5,000,000,000

2,698,695,346,080

2,047,540,759,227

Loans specified according to the business sector Ending balance

Beginning balance

Assets trading and consulting services

Processing industry

Mine exploitation

Education & Training

2,476,000,000

491,116,300

Activities of international organizations and unions

2,277,680,000

8,252,440,000

Services serving families

112,703,631,250

285,370,609,960

Science & technology

26,676,000,000

8,270,000,000

1,479,437,152,969

519,267,578,437

57,903,250,000

411,354,769,890

8,529,164,000

6,776,945,200

315,804,771,392

22,993,150,000

30,667,314,050

39,521,640,525

Activities serving personal & public interests

Financial activities

Cultural and sport activities

Hotels & restaurants

Agriculture and forestry

Manufacturing & distributing of power and gas

Commerce & Repairing services

Aquaculture

Transportation, logistics and communication

Construction

Health care and donation activities TOTAL

17,553,889,749

118,028,870,245

132,666,327,478

52,654,618,126

200,000,000

1,000,000,000

6,668,000,000

3,050,000,000

187,859,654,220

390,376,058,781

7,100,000,000

17,924,161,000

50,730,227,200

52,076,892,063

224,416,177,600

105,505,908,700

35,026,106,172

4,626,000,000

2,698,695,346,080

2,047,540,759,227

Provisions for credit risks Beginning balance Provisions for risks - Loans given

Decreases

Ending balance

6,425,429,867

17,190,177,253

15,660,265,491

7,955,341,629

Particular provisions

4,016,097,091

13,304,039,300

15,652,226,901

1,667,909,490

General provisions

2,409,332,776

3,886,137,953

8,038,590

6,287,432,139

Provisions for risks â&#x20AC;&#x201C; Discounts

66,578,396

344,457,634

408,735,772

2,300,258

General provisions

66,578,396

344,457,634

408,735,772

2,300,258

Provisions for risks - Loans given from entrusted funds

51,915,238

106,354,198

53,198,835

105,070,601

Particular provisions

25,435,000

56,330,860

46,840,860

34,925,000

General provisions

26,480,238

50,023,338

6,357,975

70,145,601

6,543,923,501

17,640,989,085

16,122,200,098

8,062,712,488

Provisions for risks â&#x20AC;&#x201C; Debts waiting to be treated TOTAL

118

Increases

Annual Report 2007

Investment in securities Ending balance

Beginning balance

Securities available for sale

32,550,111

31,861,119

Government bonds

32,550,111

31,861,119

109,757,583,327

109,775,083,331

109,757,583,327

109,775,083,331

109,790,133,438

109,806,944,450

Securities held to maturity dates

(1)

Government bonds & urban bonds TOTAL (1)

These are mainly the government bonds and urban bonds of which the period is 5 years and the interest rates are from 8%/year to 9,05%/year. Particularly, the government bonds in foreign currency, of which the period is 5 years and the interest rate is 3,5%/year have the total value of USD 500 thousand and the face value of USD 10 thousand.

Capital contribution and long-term investments Ending balance

Beginning balance

Investments in business associates

Other long-term investments

15,857,326,808

Provision for devaluation of long-term investment

15,857,326,808

Ending balance

Beginning balance

Banks

10,750,000,000

Gia Dinh Commercial Joint Stock Bank

10,750,000,000

Companies

5,107,326,808

TOTAL

List of entities receiving capital

Dai Nam A

157,326,808

Vinasecurities

4,950,000,000

15,857,326,808

TOTAL

The bank has transferred its capital shares as follows Entities Gia Dinh Commercial Joint Stock Bank Vinasecurities TOTAL

Number of shares

Selling price

Cost

Interest

10,750

16,125,000,000

10,750,000,000

5,375,000,000

495,000

22,275,000,000

4,950,000,000

17,325,000,000

38,400,000,000

15,700,000,000

22,700,000,000

Bank has treated its capital contributions as follows Entities Dai Nam A

Value recovery

Costs

Difference

10,000,000

157,326,808

(147,326,808)

Annual Report 2007

119

Tangible fixed assets Details of tangible fixed assets and the depreciation of fixed assets are as follow Items

Buildings and structures

Machinery and equipment

Office equipment

Vehicles

Other fixed assets

Total

I. Historical cost 18,624,151,655

10,822,988,978

9,042,368,260

188,085,463

1,170,373,344

39,847,967,700

Increases

Beginning balance

382,213,775

7,136,334,107

5,676,043,395

61,563,715

852,311,440

14,108,466,432

-New purchases

382,213,775

7,136,334,107

5,676,043,395

61,563,715

852,311,440

14,108,466,432

- New constructions

-Other increases

Decreases

8,000,000

-Other decreases

8,000,000

Ending balance

19,006,365,430

17,951,323,085

5,392,873,322 737,682,473

8,000,000

14,718,411,655

249,649,178

2,022,684,784

53,948,434,132

5,278,523,992

2,812,506,319

93,006,662

461,308,751

14,038,219,046

2,952,402,635

1,644,340,177

69,271,782

274,143,503

5,677,840,570

2,933,326

6,130,555,795

8,227,993,301

4,456,846,496

162,278,444

735,452,254

19,713,126,290

II. Depreciation Beginning balance Depreciation Decreases Ending balance III.Net book values Beginning balance Ending balance

13,231,278,333

5,544,464,986

6,229,861,941

95,078,801

709,064,593

25,809,748,654

12,875,809,635

9,723,329,784

10,261,565,159

87,370,734

1,287,232,530

34,235,307,842

- The increases of fixed assets during the year are mainly due to new acquisitions of computers, equipment, and vehicles. - Other increases and decreases of fixed assets during the period are due to liquidation of computers and air conditioners.

Intangible fixed assets Items

Land use right

Accounting software

Total

Beginning balance

34,518,467,749

1,502,025,013

36,020,492,762

New purchases

10,664,617,200

2,133,980,030

12,798,597,230

160,854,000

160,854,000 4,129,018,476

I. Initial cost

New constructions Other increases

4,129,018,476

Other decreases

Disposals and liquidations

Ending balance

41,214,920,473

3,636,005,043

44,850,925,516

Beginning balance

394,173,664

Increases

370,641,598

Decreases

Ending balance

764,815,262

II. Amortization

III. Net book values Beginning balance Ending balance

120

Annual Report 2007

34,518,467,749

1,107,851,349

35,626,319,098

41,214,920,473

2,871,189,781

44,086,110,254

Accounts receivable Ending balance

Beginning balance

Accounts receivable of Nam A Bank

241,842,057,620

205,563,095,807

Construction and acquisition of assets

216,541,953,548

127,955,547,347

Construction of the building at 97 Bis Ham Nghi Purchases of the house for new office at 201-203 CMT8 Repairing fixed assets Other expenses Accounts receivable Deposits for house rental

1,374,000,000

214,088,394,869

126,500,000,000

81,547,347

998,011,332

25,300,104,072

77,607,548,460

1,794,092,728

915,272,728

Advance for payments to the State

32,534,524

32,757,274

Input VAT

12,145,098

28,729,321

Advance for performance of contract

5,542,011,214

Receivable for transfer of land use right at Binh Chanh

5,798,800,000

Advances given to employees

971,039,893

944,907,418

Temporary extraction for funds

5,507,179,053

3,384,262,529

Expenses on the treatment of assets used to secure loans Receivable from imported gold Other receivable Receivable of AMC â&#x20AC;&#x201C; Nam A Bank TOTAL

14,310,000

37,473,000

65,225,036,000

5,627,991,562

7,039,110,190

69,560,559

241,911,618,179

205,563,095,807

Ending balance

Beginning balance

21,193,860,916

6,722,540,518

13,349,684

313,701,042

Interest and fees receivable Interests on deposits in VND Interest on deposits in foreign currency Interests on securities available for sales

1,998,167

2,002,458

Interests on securities held to maturity date

11,798,436,260

7,349,800,575

Interests on loans given in VND

16,959,043,658

13,045,880,514

Interests on loans given in foreign currency TOTAL

640,295,922

502,176,412

50,606,984,607

27,936,101,519

Ending balance

Beginning balance

1,309,667,384

77,502,585

208,050,000

10,896,182,227

8,003,905,996

12,413,899,611

8,081,408,581

Other current assets Materials Assets given as payment for debts which are transferred to credit organizations for treatments Expenses to be allocated TOTAL

Annual Report 2007

121

Deposits from other credit organizations Deposits at local credit organizations in VND Head office Ha Noi Branch

Ending balance

Beginning balance

1,640,000,000,000

977,500,000,000

465,000,000,000

555,500,000,000

1,175,000,000,000

422,000,000,000

Deposits at local credit organizations in foreign currency

104,396,500,000

Head office

64,244,000,000

Ha Noi Branch

40,152,500,000

1,640,000,000,000

1,081,896,500,000

Ending balance

Beginning balance

320,747,176,321

140,900,477,869

TOTAL

Deposits from customers Deposits from local customers in VND Deposits from local customers in foreign currency

7,925,389,652

15,730,178,522

2,069,160,461,322

1,349,699,008,977

389,324,141,948

369,859,599,576

439,739,734

2,698,626,350

Deposits from foreign customers in foreign currency

3,941,675,319

6,568,148,030

Deposits in VND

3,489,782,056

2,944,899,065

Deposits in foreign currency

6,821,281,246

6,348,183,404

2,801,849,647,598

1,894,749,121,793

Ending balance

Beginning balance

31,925,300,000

24,638,412,000

Saving accounts in VND Saving accounts in foreign currency and gold Deposits from foreign customers in VND

TOTAL

Entrusted funds Loans given in VND from entrusted funds Loans given in foreign currency from entrusted funds TOTAL

179,122,561

32,104,422,561

24,638,412,000

This is the capital received from RDF II (Rural Financial Project) of World Bank through BIDV. The loan period in VND is from 1 - 3 years at the interest rate from 0,54%/month. The loan period in USD is 20 years at the interest rate from 0,75%/month. The bank has used this amount to give loans to individuals, households, co-operatives and non State-owned companies or to train human resources.

Interest and fees payable Deposits in VND Deposits in foreign currency Saving accounts in VND Saving accounts in foreign currency and gold Loans from credit organizations in VND Loans from entrusted funds TOTAL

122

Annual Report 2007

Ending balance

Beginning balance

10,675,560,859

7,862,651,555

3,739,598

514,594,434

44,378,194,024

32,046,385,771

3,331,638,103

3,178,743,135

291,072,390

12,375,813

13,002,412

58,401,508,397

43,906,449,697

Accounts payable and other liabilities Ending balance

Beginning balance

41,201,664,116

83,892,525,177

Payable of Nam A Bank Amount held on othersâ&#x20AC;&#x2122; behalf and to be settled

7,260,571,526

15,869,000

Taxes and other obligations to the State Budget

15,456,244,150

10,693,850,190

97,323,701

86,605,325

Transfer of amount payable in VND

512,933,605

638,616,813

Transfer of amount payable in USD

15,131,340

15,177,645

15,236,089,467

70,132,876,174

Purchase of fixed assets

Other amounts waiting to be paid off Payments to employees

114,450,000

58,450,000

3,528,793

173,169,190

Provisions for unemployment allowances

1,176,226,310

1,210,210,902

Revenue to be allocated

1,329,165,224

867,699,938

Other payments

Payable of AMC â&#x20AC;&#x201C; Nam A Bank TOTAL

208,050,000

41,409,714,116

83,892,525,177

Capital and funds of the bank Construction investment fund and other sources of capital

Capital

Retained earnings

Funds

Beginning balance of the previous year

150,000,000,000

35,298,642

6,764,382,501

Increases in the previous year

400,000,000,000

Profit of the previous year

Total

29,124,329,791

185,924,010,934

400,000,000,000

38,813,250,435

Corporate income tax paid

(7,732,344,602)

Dividends given

(14,192,932,474)

Other increases

326,932,896

Disbursement of fund and other disbursements

(3,483,932,014)

(642,083,910)

(4,126,015,924)

Extractions for funds during the year

6,556,968,805

(6,556,968,805)

Ending balance of the previous year

550,000,000,000

35,298,642

9,837,419,292

39,140,183,331

599,012,901,265

Beginning balance of the current year

550,000,000,000

35,298,642

9,837,419,292

39,140,183,331

599,012,901,265

25,924,740,000

(26,094,994,662)

(170,254,662)

Profit of the current year

75,106,039,587

Disbursement of funds and other disbursements

(6,382,018,539)

(1,065,926,808)

(7,447,945,347)

Extractions for funds during the year

11,979,261,861

(11,979,261,861)

575,924,740,000

35,298,642

15,434,662,614

75,106,039,587

666,500,740,843

Increases in the current year

Ending balance of the current year

Annual Report 2007

123

Details of capital are as follows Ending balance Capital contributed from shareholders

Beginning balance

575,924,740,000

550,000,000,000

Share premiums

Treasury stocks

575,924,740,000

550,000,000,000

TOTAL

Dividends Dividends given during the year are as follows: Dividends of the previous year

26,094,994,662

Advance for dividend distribution in the current year

26,094,994,662

TOTAL

Shares Ending balance Number of shares registered to be issued

Beginning balance

57,592,474

55,000,000

Number of shares already sold to the public -

Common shares

57,592,474

55,000,000

Preferred shares

Number of shares repurchased -

Common shares

Preferred shares

Number of outstanding shares -

Common shares

57,592,474

55,000,000

Preferred shares

째 Face value per share: VND 10,000. 째 During the year, the bank has increased its prescribed capital by VND 25,924,740,000 from its profit in 2006. 째 The prescribed capital of the bank as of 31 December 2007 is VND 575,924,740,000 which has been registered at the 19th amended business registration certificate No. 059027 dated 02 March 2007 granted by the Business Registration Section - the Service of Planning and Investment of Ho Chi Minh City.

124

Annual Report 2007

Funds of credit organizations Items

Reserve fund to supplement prescribed capital

Business promotion fund

Research and training funds

Financial reserved fund

Bonus fund

Welfare fund

Total

Beginning balance of the previous year

2,504,644,443

249,189,111

171,063,809

3,836,637,800

2,690,838

156,500

6,764,382,501

Increases in the previous year

1,037,495,064

35,482,331

1,971,240,622

3,193,409,807

283,858,650

6,556,968,805

(10,000,000)

(28,923,434)

(3,160,993,430)

(284,015,150)

(3,483,932,014)

3,542,139,507

274,671,442

177,622,706

5,807,878,422

35,107,215

9,837,419,292

3,542,139,507

274,671,442

177,622,706

5,807,878,422

35,107,215

9,837,419,292

1,895,452,826

64,824,487

3,601,360,370

5,185,958,931

1,166,840,760

11,979,261,861

(5,215,177,779) (1,166,840,760)

(6,382,018,539)

5,437,592,333

339,495,929

242,447,193

9,409,238,792

Disbursement of funds Ending balance of the previous year Beginning balance of the current year Extractions for funds during the year Disbursement of funds Ending balance of the current year

5,888,367

15,434,662,614

- The extraction for funds has been done in accordance with the Decree No. 146/2005/NÑ-CP dated 23 November 2005 of the Government and has been approved at the meeting of shareholders in 2006. - Profit of year 2006 is distributed as follows: ° Reserve fund to supplement prescribed capital: 5% on the profit after tax ° Financial reserved fund: 10% on the remaining profit ° Appropriation for business promotion fund, research and training funds, bonus and welfare funds: 20%. ° The remaining profit is distributed to shareholders. - Purposes of appropriation for business promotion fund, financial reserved fund and other funds - Business promotion fund is used to supplement the bank’s prescribed capital. - Financial reserved fund is used to: ° Compensate losses, damages of assets and accounts receivable unable to be recovered during the operations. ° Compensate the losses of the bank according to the decision of the Board of Management.

Annual Report 2007

125

Additional information on the items of the income statement Interest income and similar income Current year

Previous year

Deposit interest

105,750,053,716

32,832,386,699

Interest on loans given

387,499,081,443

224,873,551,448

14,265,577,745

8,307,966,194

918,284

507,514,712,904

266,014,822,625

Interest on investments into securities Other income from credit activities TOTAL

Interest expenses and similar expenses Interest on deposits Interest on loans Others TOTAL

Current year

Previous year

259,233,902,699

143,267,705,729

5,591,028,853

2,939,433,063

91,372,669,883

24.610,957,722

356,197,601,435

170,818,096,514

Current year

Previous year

Income from services provisions Income from service provisions

6,835,529,165

6,417,832,420

Receivable from guaranteeing services

191,079,441

188,654,289

Fees receivable from payment service

3,512,176,795

2,237,005,273

71,530,236

46,694,790

Fee receivable from cash service Receivable from entrustment and agency transactions Receivable from other services Expenses on service provisions Expenses on payment and cash services Expenses on entrustment and agency transactions Expenses on other services Income from service provisions

49,921

73,644

3,060,692,772

3,945,404,424

2,775,460,413

1,539,702,466

2,686,436,095

1,336,457,065

3,387,287

5,396,855

85,637,031

197,848,546

4,060,068,752

4,878,129,954

Income from foreign currency trading Income from foreign currency trading Foreign currency trading

Previous year 3,296,538,584

952,618,398

492,574,214

1,156,720,078

2,803,964,370

Expenses on foreign currency trading

177,819,085

220,712,258

Foreign currency trading

139,168,684

183,875,381

38,650,401

36,836,877

1,931,519,391

3,075,826,326

Gold trading

Gold trading Income from foreign currency trading

126

Current year 2,109,338,476

Annual Report 2007

Income from other activities Gains from liquidation of fixed assets Gains from debts of which the risks are already treated Others

Current year

Previous year

13,669,781,524

5,400,000

2,161,298,260

340,072,600

1,954,862,380

3,250,858,572

17,785,942,164

3,596,331,172

Current year

Previous year

22,700,000,000

6,390,000,000

Current year

Previous year

Tax payment

239,618,153

326,355,459

Fees and legal fees

418,430,663

246,742,924

Expenses for employees

43,134,629,591

26,588,809,709

Expenses on management

16,478,325,448

10,266,349,525

TOTAL

Income from capital contribution, buying shares Gains from transfer of stocks of the companies and banks invested by the bank (1) (1)

See Note V.7.

Operating expenses

Depreciation of fixed assets Other expenses on assets Insurance premiums, deposit assurance expenses, compensation for deposit insurance Provisions for commitments TOTAL

6,048,846,372

4,893,569,889

11,907,012,390

7,228,457,891

2,337,953,032

1,564,301,464

80,320,435

42,313,358

80,645,136,084

51,156,900,219

Earning per share Accounting profit after corporate income tax

Current year

Previous year

75,106,039,587

38,813,250,435

75,106,039,587

38,813,250,435

57,123,698

15,000,000

1,315

2,588

Current year

Previous year

55,000,000

15,000,000

Increase/(decrease) of accounting profit to determine profit attributable to ordinary equity holders: Dividends of preferred shares Profit attributable to ordinary equity holders Average ordinary shares outstanding during the year Earning per share Average ordinary shares outstanding during the year are calculated as follows:

Ordinary shares outstanding at the beginning of the year Effects of ordinary shares re-purchased during the year Effects of ordinary shares issued during the year Average ordinary shares outstanding during the year

2,123,698

57,123,698

15,000,000

Annual Report 2007

127

Additional information on the items of the cash flow statement Cash and cash equivalents Cash and cash equivalents include cash on hand, deposits in the State Bank, Government debentures and other short-term valuable papers which have enough conditions to be re-discounted at the State Bank, and securities of which the due dates cannot exceed 3 months from the purchasing date as well as demand deposits from other credit organizations of which the due dates can not exceed 3 months from the date of depositing. Ending balance

Beginning balance

Cash on hand

225,123,364,969

226,583,581,225

Deposits at State Bank

113,135,835,339

49,421,723,815

Deposits at other banks

941,453,321,652

1,038,799,665,119

1,279,712,521,960

1,314,804,970,159

TOTAL

Non-cash transactions During the year, the only non-cash transaction of the group of companies is to increase capital from remaining profit of the previous years for an amount of VND 25.924.740.000.

Other information Income of employees Items

Current year

Previous year

I. Total employees

798

576

38,751,953,828

23,767,614,025

II.Income of employees (VND) 1.Total salary fund 2.Bonus

7,370,192,995

2,764,993,379

46,122,146,823

26,532,607,404

4.Average salary/person/month

4,046,779

3,438,602

5.Average income/person/month

4,816,431

3,838,630

3. Total income

Obligations to the State Budget Items 1. VAT

Amount payable

79,995,623

756,876,439

727,771,302

109,100,760

10,336,543,517

32,180,374.104

27,520,256,302

14,996,661,319

131,035,910

1,287,536,657

1,275,162,205

143,410,362

131,035,910

1,103,459,602

1,091,085,150

143,410,362

+ Contractor tax

144,694,355

+ License duty

30,000,000

2. Corporate income tax 3. Other taxes + Personal income tax

+ Other taxes TOTAL

9,382,700

10,547,575,050

34,224,787,200

29,523,189,809

15,249,172,441

Value added tax (VAT): 째 VAT is paid in line with the deduction method: The tax rate applied to banking, guaranteeing, and payment services is 10% 째 VAT is paid in line with the direct method: The tax rate applied to foreign currency and gold trading is 10%.

128

Amount already paid

Annual Report 2007

Corporate income tax of year 2006 Previous year Total accounting profit before tax

53,962,153,382

Increase/(decrease) of accounting profit to determine profit subject to corporate income tax: - Increases

- Decreases

Total taxable income

53,962,153,382

Corporate income tax rate

28%

Estimated corporate income tax payable

15,109,402,947

Adjustments on the corporate income tax of the previous years

39,500,000

Total current corporate income tax

15,148,902,947

Corporate income tax of Nam A Bank in 2007 Income from operating activities

Items Total accounting profit before tax

Gains from transfer of land use right

93,688,395,095

13,669,781,524

Current year 107,358,176,619

Increase/(decrease) of accounting profit to determine profit subject to corporate income tax: - Increases

600,000

- Decreases Total taxable income Corporate income tax rate Estimated corporate income tax payable

93,688,995,095

13,669,781,524

28%

26,232,918,627

3,827,538,827

30,060,457,454

2,119,916,650

5,947,455,477

32,180,374,104

Additional corporate income tax

107,358,776,619

Adjustment on the corporate income tax of the previous years Total current corporate income tax

26,232,918,627

Corporate income tax of AMC â&#x20AC;&#x201C; Nam A Bank in 2007 Particularly, AMC - Nam A Bank has suffered from a loss; therefore, there is no provision for corporate income tax payable.

Other taxes and legal fees The bank has paid other taxes and legal fees in line with the prevailing regulations.

Forms and values of mortgaging assets of customers Items

Ending balance

Beginning balance

Assets mortgaged

5,517,150,370,697

3,844,923,188,031

Gold, silver, metal and gemstones Buildings and land use right Vehicles

64,160,000

5,229,446,820,461

3,639,657,488,880

132,018,343,700

37,068,309,118

Machinery and equipment

58.210.311.182

45,080,959,987

Supplies and merchandises

95.325.735.354

107,543,348,346

Other assets Valuable papers mortgaged Issued by Nam A Bank Issued by credit organizations Issued by economic organizations Other valuable papers TOTAL

2,085,000,000

15,573,081,700

252,098,376,338

465,628,606,680

62,052,361,238

67,845,352,680

176,866,000,000

386,953,254,000

12,021,000,000

10,830,000,000

1,159,015,100

5,769,248,747,035

4,310,551,794,711

Annual Report 2007

129

Inherent liabilities and commitment Accounts

Code

Guaranted balances

Deposited balances

Remaining balances

Guarantee for payment

9212

9,789,732,927

159,990,000

9,629,742,927

Guarantee for contract performance

9213

5,441,169,817

1,270,250,520

4,170,919,297

Guarantee for tendering participation

9214

726,916,651

Commitment on deferred L/C transactions

9215

4,355,132,701

143,327,895

4,211,804,806

Commitment on at – sight L/C transactions.

9216

55,235,774,984

6,677,953,351

48,557,821,633

Other commitments

9219

631,488,915

41,823,915

589,665,000

76,180,215,995

9,020,262,332

67,159,953,663

TOTAL

Transactions with related parties Transactions with related parties according to the Vietnamese accounting standard No. 26 – “Information on related parties” is as follows: Ending balance

Related parties

Beginning balance

Loan given

Deposits

24,251,476,301

3,066,260,959

30,782,104,254

973,871,424

The Board members and companies managed by them Major shareholders & companies managed by them

AMC – Nam A Bank (subsidiary)

Loan given

9,699,390,385

64,732,970,940

TOTAL

Deposits

4,040,132,383

Commitment on operating leases 2007 Commitment on irrevocable operating leases

966,080,000

In which: -

- The due date within 1 year

966,080,000

- The due date from2 years to 5 years

- The due date after 5 years

Concentration level according to the geographic areas of assets, accounts payable and receivable as well as off-balance sheet items Total balances of loan given

Total deposits

Financial derivatives

Trading and investing in securities

2,698,695,346,080

2,801,849,647,598

306,790,133,438

Local Overseas

Management of financial risks Credit risks

The bank has used consistently the following measures to manage the credit risks: ° Developing appropriate credit strategy and policies. ° Performing analyses on credit ability of customers. ° Performing the credit control procedures before, during, and after giving loans. ° Performing loan classification, making and using provisions for credit risks in line with the regulations.

130

Annual Report 2007

Risk on currency The bank has adjusted the ceiling level on foreign currency but has been in safety limit and within the bank’s capacity. At present, the bank’s risk management is done by controling the portion of foreign currency under 30% of the bank’s capital. All transactions in and out of the balance sheet items are included into the portion of the foreign currency right after generation. Converted from EUR

Items

Converted from USD

Converted from other foreign currencies

Converted from value of gold

Total

Assets I-Cash on hand, gold, silver and gemstones

198,000,400

25,600,017,624

127,817,948,000

160,497,870

153,776,463,894

14,597,724,568

1,303,924,018

34,357,549,971

366,460,666

36,027,934,655

IV-Trading securities

V-Financial derivatives and other financial assets

VI-Loans given to customers

175,069,032,492

64,930,918,971

239,999,951,463

VII- Investment in securities

8,006,000,000

VIII-Capital contribution and longterm investment

IX-Fixed assets and investment property

X-Other current assets

717,663,764

173,125,494

890,789,258

1,501,924,418

258,347,988,419

192,921,992,465

526,958,536

453,298,863,838

I- Deposits and loans from State Bank and other credit organizations

II-Deposits from customers

216,230,228,253

191,782,260,000

408,012,488,253

III-Financial derivatives and other financial debts

179,122,561

IV- Entrusted funds

V-Issuance of valuable papers

VI-Other liabilities

4,384,496,630

818,559,376

5,203,056,006

VII- Capital and funds

Total accounts payable and owner’s equity

220,793,847,444

192,600,819,376

413,394,666,820

1,501,924,418

37,554,140,975

321,173,089

526,958,536

39,904,197,018

0.25%

6.28%

0.05%

0.09%

6.67%

0.25%

6.28%

0.05%

0.09%

6.67%

II-Deposits at State Bank III-Deposits and loan given at other credit organizations

Total assets Accounts payable and owner’s equity

Currency situation in the balance sheet Portion (%) of the currency situation in comparison with the owner's equity Currency situation in the offbalance sheet Currency situation in and out of the balance sheet

Preparer

Le Truc phuong

Chief Accountant

Tran Thi Bao Tram

Ho Chi Minh City, 4 January 2008 General Director

Truong Minh Khai

Annual Report 2007

131

Auditor's report AUDITING AND CONSULTING COMPANY LIMITED (A&C) No.: 0400/2008/BCTC-KTTV ON THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE FISCAL YEAR ENDED 2007 OF NAM A BANK We have audited the accompanying consolidated financial statements of Nam A Bank including the consolidated balance sheet as of 31 December 2007, consolidated the income statement, the consolidated cash flow statement and the notes to the consolidated financial statements for the fiscal year then ended, which were prepared on 04 January 2008. The preparation and the presentation of these consolidated financial statements are the responsibility of the bank’s management. Our responsibility is to express an opinion on these financial statements based on our audit. Audit background Our audit is conducted in accordance with the International Auditing Standards as well as the Vietnamese Auditing Standards. These standards require that we plan and perform the audit procedures to obtain a reasonable assurance that the financial statements are free from material mistakes. The audit is developed on the basis of our performing the sampling method as well as applying the necessary examinations and tests of evidences supporting the amounts and the disclosures in the financial statements. The audit also includes our assessing the bank’s compliance with the prevailing accounting standards and system, the accounting principles and methods applied, the material estimates and judgment of the bank’s management as well as our evaluating the overall presentation of the financial statements. We believe that our audit has provided reasonable bases for our opinion. Auditor’s opinion In our opinion, the consolidated financial statements referred to above give a true and fair view, in all material respects, of the consolidated financial position as of 31 December 2007, the consolidated business results and the consolidated cash flows for the fiscal year then ended of Nam A Bank in conformity with the prevailing uniform accounting system and standards of the State Bank of Vietnam as well as other related regulations. For and on behalf of Auditing and Consulting Company Limited (A&C)

___________________________________ Bui Van Kha – Deputy General Director Audit Certificate No. Ñ.0085/KTV Ho Chi Minh City, 07 April 2008

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__________________________________ Ho Van Tung - Auditor Audit Certificate No. Ñ.0092/KTV

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2007

BRANCH NETWORK

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List of conresspodent Banks

Country ALGERIA ARGENTINA AUSTRALIA

AUSTRIA BAHRAIN

BANGLADESH BELGIUM

BOSNIA & HERZEGOVINA BRAZIL

BULGARIA CAMBODIA CANADA

CHINA

DANMARK EGYPT FRENCH GUIANA FRANCE

GERMANY

136

Bank’s name

Swift code

Bnp Parisbas El Djazair, Algiers

BNPADZAL

Bnp Paribas, Succursale De Buenos Aires

BNPAARBA

Australia And New Zealand Banking Group Ltd. Bnp Paribas Citibank N.A Commonwealth Bank Of Australia Korea Exchange Bank Australia Ltd Mizuho Corporate Bank Ltd. St. George Bank Ltd., Sydney Raiffeisen Zentralbank Oesterreich Ag, Vienna

Country

ANZBAU3M BNPAAU2S CITIAU CTBAAU KOEXAU2S MHCBAU SGBLAU

GREECE HONGKONG

RZBAAT

Bnp Paribas, Manama Korea Exchange Bank, Manama Woori Bank

BNPABHB KOEXBHBM HVBKBHBM

American Express Bank Ltd., Dhaka Woori Bank, Dhaka

AEIBBDDX HVBKBDDH

Ing Belgium, Brussels Bank Of New York, Brussels Bnp Paribas, Brussels Sumitomo Mitsui Banking Corporation, Brussels

BBRUBEBB IRVTBEBB BNPABEBB SMBCBEBB HUNGARY

Raiffeisen Zentralbank Oesterreich Ag, Sajajevo

RZBABA2S

American Express Bank Ltd., Sao Paulo Banco Keb Brasil S.A, Sao Paolo Bnp Paribas, Sao Paolo

AEIBBRSX KOEXBRSP BNPABRSP

Bnp Parisbas (Bulgaria) Ead, Sofia

BNPABGSX

Acleda Bank Plc, Phnom Penh Vattanac Bank, Phnom Penh

ACLBKHPP VBLCKHPP

Bnp Paribas, Montreal Korea Exchange Bank Of Canada Scotiabank (All Offices In Canada) China Construction Bank, Beijing Bank Of New York, Shanghai Bnp Paribas, Shanghai First Sino Bank, Shanghai Korea Exchange Bank Mizuho Corporate Bank Ltd., Shanghai Raiffeisen Zentralbank Oesterreich Ag, Beijing Scotiabank, Guangzhou Sumitomo Mitsui Banking Corporation, Guangzhou Woori Bank

BNPACAMM KOEXCATT NOSCCATT PCBCCNBJ IRVTCNSH BNPACN FSBCCNSH KOEXCN MHCBCN

INDIA

INDONESIA

IRAN IRELAND ITALY

JAPAN

RZBACNBJ NOSCCN22 SMBCCN HVBKCN

Sydbank A/S, H.O Aabenraa

SYBKDK22

American Express Bank Ltd., Cairo Bnp Paribas, Cairo

AEIBEGCX BNPAEG

Bnp Paribas, Cayenne

BNPAGFGX

JERSEY C.I

Bnp Paribas, Paris Korea Exchange Bank, Paris Mizuho Corporate Bank Ltd., Paris Sumitomo Mitsui Banking Corporation, Paris

BNPAFRPP KOEXFRPP MHCBFRPP SMBCFRPP

KOREA

American Express Bank, Frankfurt Bank Of New York, Franfurt Am Main Bhf - Bank Aktiengesellschaft, Franfurt Am Main

Annual Report 2007

AEIBDEFX IRVTDEFX BHFBDEFF

Bank’s name

Swift code

Bnp Paribas, Franfurt Am Main Dresner Bank Ag Korea Exchange Bank, Franfurt Am Main Kreissparkasse Heilbronn, Heilbronne Mizuho Corporate Bank Ltd., Duesseldorf Sparkasse Herford, Commercial And Saving Bank, Herford Sumitomo Mitsui Banking Corporation, Duesseldorf Sydbank A/S, Flensburg

BNPADEFF DRESDE KOEXDEFA HEISDE66 MHCBDEDD WLAHDE44 SMBCDEDD SYBKDE22

American Express Bank Ltd., Athens Bnp Paribas, Athens

AEIBGRAX BNPAGRAA

American Express Bank Ltd., Bank Of New York Bnp Paribas Citibank N.A Commonwealth Bank Of Australia Fubon Bank Hongkong And Shanghai Banking Corporation Ltd Korea Exchange Bank Mizuho Corporate Bank Ltd., Scotiabank, Hongkong Sumitomo Mitsui Banking Corporation Wachovia Bank N.A Woori Bank

AEIBHKHX IRVTHKHX BNPAHKHH CITIHKHX CTBAHKHH IBALHKHH HSBCHKHH KOEXHKHH MHCBHKHH NOSCHKHH SMBCHKHH PNBPHKHH HVBKHKHH

Bnp Paribas Hungaria Bank Rt, Budapest

BNPAHUHX

American Express Bank Ltd., New Delhi Bnp Paribas, Mumbai Mizuho Corporate Bank Ltd., Mumbai Sumitomo Mitsui Banking Corporation, Mumbai Woori Bank

AEIBINDX BNPAIN MHCBINBB SMBCINBB HVBKIDJA

Bnp Paribas, Jakarta Korea Exchange Bank Woori Bank, Jakarta

BNPAIDJA KOEXIDJA HVBKIDJA

Bank Melli Iran, Tehran

MELIIRTH

Bnp Paribas Ireland, Bublin Br.

BNPAIE2D

Banca Popolaire Dell’emilia Romagna, H.O Modena Bnp Paribas, Milano Citibank N.A, Milano Credito Artigiano Spa, Milano

BNPAITMM CITIITMX ARTIITM2

BPMOIT

American Express Bank Ltd., Tokyo Bank Of New York, Tokyo Bnp Paribas, Tokyo Commonwealth Bank Of Australia, Tokyo Korea Exchange Bank, Tokyo Mizuho Bank Ltd., Mizuho Corporate Bank Ltd. Scotiabank, Tokyo Sumitomo Mitsui Banking Corporation, Tokyo Bank Of Tokyo-Mitsubishi Ufj, Tokyo Wachovia Bank N.A, Tokyo Woori Bank, Tokyo

KOEXJPJT MHBKJP MHCBJPJ NOSCJPJT SMBCJPJT BOTKJPJT PNBPJPJX HVBKJPJT

Bnp Paribas, St.Helier

BNPAJESH

American Express Bank Ltd., Seoul Bank Of New York, Seoul Bnp Paribas, Seoul Hsbc, Seoul Kookmin Bank Korea Exchange Bank, H.O Seoul Mizuho Corporate Bank Ltd., Seoul National Federation Of Fisheries Cooperatives

AEIBJPJX IRVTJPJX BNPAJPJT CTBAJPJT

AEIBKRSX IRVTKRSX BNPAKRSE HSBCKRSE CZNBKRSE KOEXKRSE MHCBKRSE NFFCKRSE

Country

KUWAIT LAOS LUXEMBOURG

MACAO MALAYSIA

MARTINIQUE NETHERLANDS

NEW CALEDONIA NEW ZEALAND NORWAY PAKISTAN PANAMA PERU PHILIPPINES

POLAND PORTUGAL QATAR REUNION RUSSIAN FEDERATION SAUDI ARABIA SINGAPORE

Bank’s name Scotiabank, Seoul Sumitomo Mitsui Banking Corporation, Seoul Wachovia Bank N.A, Seoul Woori Bank, Seoul Bnp Paribas Banque Pour Le Commerce Exterieur Lao (Vientiane) American Express Bank Ltd., Luxembourg Banca Popolaire Dell’emilia Romagna, Luxembourg Bank Of New York, Luxembourg Bnp Paribas, Luxembourg

Swift code NOSCKRSE SMBCKRSE PNBPKRSX HVBKKRSE

COEBLALA

IRVTLULX BNPALULL

CITIMYKL HBMBMYKL MHCBMYKA NOSCMYKL

Bnp Paribas, Fort De France

BNPAMQMX

Bnp Paribas, Amsterdam Korea Exchange Bank, Amstelveen Mizuho Corporate Bank Ltd., Amsterdam

BNPANL2A KOEXNL2A MHCBNL2A

Bnp Paribas, Noumea

BNPANCNX

Australia And New Zealand Banking Group Ltd.

ANZBNZ22

Bnp Paribas, Oslo

BNPANOKK

BNPAPAPA KOEXPAPA

Bnp Paribas, Lima

BNPAPEPL

BNPAPLPX

Bnp Paribas, Lisbon

BNPAPTPL

Bnp Paribas, Riyadh American Express Bank Bank Of New York Bnp Paribas Citibank Singapore Commonwealth Bank Of Australia Korea Exchange Bank Mizuho Corporate Bank Ltd., Natexis Banques Populaires Raiffeisen Zentralbank Oesterreich Ag Scotiabank Sumitomo Mitsui Banking Corporation United Overseas Bank Ltd., Woori Bank

UNITED ARAB EMIRATES UNITED KINGDOM

UNITED STATES

AEIBPHMX BNPAPHMM KOEXPHMM MHCBPHMM

Bnp Paribas, Warszawa

Bnp Paribas, Moscow

THAILAND

AEIBPKKX

Bnp Paribas Korea Exchange Bank

Bnp Paribas, Saint Denis

TAIWAN

BPMOLULS

Citibank N.A, Berhad Hsbc, Kuala Lumpur Mizuho Corporate Bank Ltd., Labuan Scotiabank, Kuala Lumpur

Bnp Paribas, Doha

SWITZERLAND

AEIBLULX

BNPAMOMX

American Express Bank Ltd., Manila Bnp Paribas, Manila Korea Exchange Bank, Manila Mizuho Corporate Bank Ltd., Manila

SPAIN

BNPAKWKW

Bnp Paribas, Macau

American Express Bank Ltd., Karachi

Country

BNPAQAQA BNPARERX BNPARUMM BNPASARI AEIBSGSX IRVTSGSX BNPASGSG CITISGSG CTBASGSG KOEXSGSG MHCBSGSG BFCESGSG RZBASGSG NOSCSGSG SMBCSGSG UOVBSGSG HVBKSGSG

VIETNAM

Bank’s name

Swift code

Caja De Ahorros Del Maditerraneo, Alicante Bnp Paribas, Madrid Sydbank A/S, St.Gallen American Express Bank Ltd., Geneva Bipielle Bank, Lugano

CAAMES2A BNPAESMM SYBKCH21 AEIBCHGX BPLSCH22

American Express Bank Ltd., Taipei Bank Of New York, Taipei Bank Sinopac, Taipei Bnp Paribas, Taipei Mizuho Corporate Bank Ltd., Taipei Scotiabank , Taipei Sumimoto Mitsui Banking Corporation, Taipei Wachovia Bank N.A, Taipei

AEIBTWTX IRVTTWTX SINOTWTP BNPATW MHCBTWTP NOSCTWTP SMBCTWTP PNBPTWTP

Bnp Paribas, Bangkok Citibank N.A, Bangkok Mizuho Corporate Bank Ltd., Bangkok Scotiabank, Bangkok Sumimoto Mitsui Banking Corporation, Bangkok

BNPATHBK CITITHBX MHCBTHBK NOSCTHBK

Bnp Paribas, Abu Dhabi

BNPAAEAA

SMBCTHBK

American Express Bank Ltd. AEIBGB2X Bank Of New York, London IRVTGB2X Citibank N.A, London CITIGB2L Commonwealth Bank Of Australia, London CTBAGB2L Korea Exchange Bank, London KOEXGB2L Mizuho Corporate Bank Ltd., London MHCBGB2L Raiffeisen Zentralbank Oesterreich Ag, London RZBAGB2L Sumitomo Mitsui Banking Corporation, London SMBCGB2L Standard Chartered Bank, London SCBLGB2L Wachovia Bank N.A, London PNBPGB2L Woori Bank HVBKGB2L Abn Amro Bank N.V American Express Bank Ltd Bank Of New York Bnp Paribas Citibank N.A, New York Commonwealth Bank Of Australia Credit Industriel Et Commercial, New York Far East National Bank, New York Mizuho Corporate Bank Ltd. Sumitomo Mitsui Banking Corporation Wachovia Bank N.A Hongkong And Shanghai Banking Corporation, Ny Texas First National Bank, Houston Woori Bank Bnp Paribas, Hcm City Citibank N.A, Ha Noi Far East National Bank, Hcm City Housing Development Commercial J.S Bank, Hcm City Korea Exchange Bank, Ha Noi Mizuho Corporate Bank Ltd., Ha Noi Northern Asia Commercial Joint Stock Bank, Ha Noi Vietnam Asia Commercial Bank, Hcm City Woori Bank, Ha Noi

ABNAUS AEIBUS33 IRVTUS3 BNPAUS CITIUS33 CTBAUS33 CMCIUS33 FENBUS6L MHCBUS SMBCUS PNBPUS3 MRMDUS33 TFNBUS4H HVBKUS BNPAVNVX CITIVNVX FENBVNVX HDBCVNVX KOEXVNVX MHCBVNVX NASCVNVX VNACVNVX HVBKVNVX

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Branch Network

HO CHI MINH CITY District 1: Main Branch: 97 Bis Ham Nghi Str., Nguyen Thai Binh Ward, Dist 1, HCMC Switch board : (84-8) 8299 408 Fax: (84-8) 8299 402 - 8246 311 E-mail: nab@nab.com.vn, nabank@hcm.fpt.vn Tan Dinh Branch: 190 Bis Tran Quang Khai Str., Dist 1, HCMC Telephone: (84-8) 8484 257 - 8483 694 Fax: (84-8) 8438 655 E-mail: cn.tandinh@nab.com.vn Ben Thanh Branch: 240 Le Thanh Ton Str., Dist 1, HCMC Telephone: (84-8) 8224 740 Fax: (84-8) 8277 470 E-mail: cn.benthanh@nab.com.vn

District 12: Truong Chinh Branch: 191 – 191A Truong Chinh Str., Tan Thoi Nhat Ward, Dist 12, HCMC Telephone: (84-8) 5923 427 - 5923 426 Fax: (84-58) 5923 428 Email: cn.truongchinh@nab.com.vn

District 3: Cao Thang Transaction Office: 101 Cao Thang Str., Dist 3, HCMC Telephone: (84-8) 9290 257 - 8327 958 Fax: (84-8) 9290 257 Email: cn.caothang@nab.com.vn

Tan Binh District: Tan Dinh Transaction Office: 2651 Lac Long Quan Str., Ward 10, Tan Dinh Dist, HCMC Telephone: (84-8) 2935 972, 8640 068 Fax: (84-8) 2935 973 Email: cn.tanbinh@nab.com.vn Cong Hoa Transaction Office: 71 Hoang Hoa Tham Str., Ward 13, Tan Dinh Dist, HCMC Telephone: (84-8) 8124 916 - 8124 917 Fax: (84-8) 8124 918 E-mail: cn.conghoa@nab.com.vn

District 5: An Dong Branch: 11 An Duong Vuong Str., Dist 5, HCMC Telephone: (84-8) 8307 177 - 8350 090 Fax: (84-8) 8354 889 E-mail: cn.andong@nab.com.vn Hoa Binh Transaction Office: 726 Tran Hung Dao Str., Ward 2, Dist 5, HCMC Telephone: (84-8) 9244 002 Fax: (84-8) 9240 997 E-mail: cn.hoabinh@nab.com.vn District 6: Binh Tay Branch: 2G Le Quang Trung Str., Dist 6, HCMC ÑT (Telephone): (84-8) 9696 649 - 9691 031 Fax: (84-8) 9697 198 E-mail: cn.binhtay@nab.com.vn District 8: Rach Ong Transaction Office: 95 Nguyen Thi Tan Str., Dist 8. HCMC Telephone: (84-8) 8519 771 - 8519 778 Fax: (84-8) 8519 779 Email: cn.rachong@nab.com.vn

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District 11: Phu Tho Transaction Office: 522 Lac Long Quan Str., Ward 5, Dist 11, HCMC Telephone: (84-8) 9747 702 - 9747 704 Fax: (84-8) 9747 703 Email: cn.phutho@nab.com.vn

District 2: Dist 2 Transaction Office: 53 Nguyen Duy Trinh Str., Binh Trung Tay Ward, Dist 2, HCMC Telephone: (84-8) 7436 093 - 7437 214 Fax: (84-8) 7436 094 E-mail: cn.quan2@nab.com.vn

District 4: Dist 4 Transaction Office: 227 Hoang Dieu Str., Ward 6, Dist 4, HCMC Telephone: (84-8) 9434 138 - 9434 209 Fax: (84-8) 9434 139 E-mail:cn.quan4@nab.com.vn

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District 10: Nga Bay Branch: 461B Ly Thai To Str., Ward 9, Dist 10, HCMC Telephone: (84-8) 8348 206 - 8347 484 - 9272 855 Fax: (84-8) 8347 484 E-mail: cn.ngabay@nab.com.vn Hoa Hung Transaction Office: 531E, Cach Mang Thang Tam Str., Ward 13, Dist 10, HCMC Telephone: (84-8) 8680 205 – 8680 206 Fax: (84-8) 8680 192 E-mail: cn.hoahung@nab.com.vn

Binh Thanh District: Thi Nghe Barnch: 36A Xo Viet Nghe Tinh Str., Binh Thanh Dist, HCMC Telephone: (84-8) 8408 758 (ext: 11, 12 14, 15, 16, 17, 18) Fax: (84-8) 5140 282 E-mail: cn.thinghe@nab.com.vn Van Thanh Branch: 600 Dien Bien Phu Str., Ward 22, Binh Thanh Dist, HCMC Telephone: (84-8) 5127 116 - 5127 117 Fax: (84-8) 5127 120 E-mail: cn.vanthanh@nab.com.vn Ba Chieu Transaction Office: 380 Bui Huu Nghia Str., Ward 2, Binh Thanh Dist, HCMC Telephone: (84-8) 5511 984 - 5511 985 Fax: (84-8) 5511 986 E-mail: cn.bachieu@nab.com.vn Tan Phu District: Tan Phu Transaction Office: 572 (88D) Luy Ban Bich Str., Hoa Thanh Ward, Tan Phu Dist, HCM Telephone: (84-8) 9735 339 - 9735 340 Fax: (84-8) 9735 341 E-mail: cn.tanphu@nab.com.vn

Au Co Transaction Office: 637B Au Co Str., Hoa Thanh Ward, Tan Phu Dist, HCMC Telephone: (84-8) 9751 534 – 9751 553 Fax: (84-8) 9751 534 E-mail: cn.auco@nab.com.vn Go Vap District: Quang Trung Branch: 93 Quang Trung Str., Go Vap Dist, HCMC Telephone: (84-8) 9895 031 - 9894 339 Fax: (84-8) 9895 037 Email: cn.quangtrung@nab.com.vn Go Vap Transaction Office: 65 Nguyen Thai Son Str., Go Vap Dist, HCMC Telephone: (84-8) 8943 107 - 5886 406 Fax: (84-8) 9853 556 E-mail: cn.govap@nab.com.vn Xom Moi Transaction Office: 5/4 Le Duc Tho Str., Ward 13, Go Vap Dist, HCMC Telephone: (84-8) 916 5551 Fax: (84-8) 916 5552 E-mail:cn.xommoi@nab.com.vn Thu Duc District: Thu Duc Branch: 733 Kha Van Can Str., Linh Tay Ward, Thu Duc Dist, HCMC Telephone: (84-8) 8964 650 - 8969 971 Fax: (84-8) 8969 974 Email: cn.thuduc@nab.com.vn Nha Be District Nha Be Transaction Office: 312/6 Nguyen Binh Str., Hamlet 1, Phu Xuan Commune, Nha Be Dist, HCMC Telephone: (84-8) 777 0005 - 777 0007 Fax: (84-8) 777 0006 Email: cn.nhabe@nab.com.vn Hoc Mon District: Hoc Mon C: 1/11 Quang Trung Str., Hoc Mon Town, Hoc Mon Dist, HCMC Telephone: (84-8) 7106109 Fax : (84-8) 7106108 E-mail: cn.hocmon@nab.com.vn Binh Chanh District: Binh Chanh Transaction Office: D6/41 Hamlet 4, Binh Chanh Commune, Binh Chanh Dist, HCMC ÑT: (84-8) 4292 326 - 4292 327 Fax: (84-8) 7605 353 E-mail: cn.binhchanh@nab.com.vn BINH PHUOC PROVINCE Binh Phuoc Branch: 22 Plots, Highway 14, Tan Phu Ward, Dong Xoai Town, Binh Phuoc Province Telephone: (84-651) 888 235 - 888 236 – 888 589 Fax: (84-651) 888 237 Email: cn.binhphuoc@nab.com.vn Phuoc Binh Transaction Office: 143 Group 2, Quarter Ward, Phuoc Binh Town, Phuoc Long Dist, Binh Phuoc Province Telephone: (84-651) 773 326 - 773 325 Fax: (84-651) 773 327 Email: cn.phuocbinh@nab.com.vn

BINH DUONG PROVINCE

HANOI CAPITAL

Binh Duong Transaction Office: 284 Ward 1, Binh Duong Avenue, Phu Hoa Ward, Thu Dau Mot Town, Binh Duong Province Telephone: (84-0650) 830 367 – 830 365 – 830 366 Fax: (84-650) 842 108 E-mail: cn.binhduong@nab.com.vn

Ha Noi Branch: 20 Nguyen Thai Hoc Ward, Dien Bien Ward, Ba Dinh Dist, Hanoi Capital Switch board: (84-4) 7712 909 - 7710 046 Fax: (84-4) 7712 998 E-mail: cn.hanoi@nab.com.vn Giang Vo Transaction Office: D8 Giang Vo Str., Ba Dinh Dist, Hanoi Capital Telephone: (84-4) 8433 261 Fax: (84-4) 8236 385 E-mail: cn.giangvo@nab.com.vn Dong Tam Transaction Office: 242 Le Thanh Nghi Str., Hai Ba Trung Ward, Hanoi Capital Telephone: (84-4) 6283 470 - 6283 955 Fax: (84-4) 6283 966 Email: cn.dongtam@nab.com.vn Dong Do Transaction Office: 68 Nguyen Khuyen Ward, Van Mieu Ward, Dong Da Dist, Hanoi Capital Telephone: (84-4) 747 8368 Fax: (84-4) 747 8367 Email: cn.hoankiem@nab.com.vn Dong Xuan Transaction Office: 52 Hang Ga, Hoan Kiem Dist, Hanoi Capital Telephone: (84-4) 8244 819 - 8280 643 – 9233 318 Fax: (84-4) 8280 643 Email: cn.dongxuan@nab.com.vn Thang Long Transaction Office: 01 Floor, A3 Building Thang Long International Area, Tran Dang Ninh Street, Dich Vong Ward, Cau Giay Dist, Hanoi Capital Telephone: (84-4) 754 5855 – 755 4442 – 755 4440 Fax: (84-4) 754 5856 Email: cn.thanglong@nab.com.vn Thanh Xuan Transaction Office: 293 Nguyen Trai Str., Thanh Xuan Dist, Hanoi Capital Telephone: (84-4) 557 5848 – 557 5849 Fax: (84-4) 5575850 E-mail: cn.thanhxuan@nab.com.vn

KHANH HOA PROVINCE Nha Trang Branch: 41 Nguyen Thi Minh Khai Str., Nha Trang City, Khanh Hoa Province Telephone: (84-58) 527 672 - 524 272 Fax: (84-58) 524 656 Email: cn.nhatrang@nab.com.vn Cho Dam Transaction Office: B1 Cho Dam Apartment Building, Phan Boi Chau Str., Xuan Huong Ward, Nha Trang City, Khanh Hoa Province Telephone: (84-58) 820 548 – 818 869 Fax: (84-58) 820 593 Email: cn.chodam@nab.com.vn Binh Tan Transaction Office: 312 Apartment Building Da Tuong, Nha Trang City, Khanh Hoa Province Telephone: (84-58) 253099 – 731 117 – 253 088 Fax: (84-58) 253099 Email: cn.binhtan@nab.com.vn Van Ninh Transaction Office: 48 Hung Vuong Str., Van Gia Town, Van Ninh Dist, Khanh Hoa Province Telephone: (84-58) 911 740 – 246 467 Fax: (84-58) 911 741 Email: cn.vanninh@nab.com.vn Cau Dua Transaction Office: 23/10 Str., Phu Vinh Hamlet, Vinh Thanh Commune, Nha Trang City Telephone: (84-58) 254 135 - 254 133 - 254 132 Fax: (84-58) 254 135 Email: cn.caudua@nab.com.vn BINH DINH PROVINE: Quy Nhon Branch: SR18, SR 19, Quy Nhon Trade Centre 07 Nguyen Tat Thanh, Quy Nhon City, Binh Dinh Provine Telephone: (84-56) 525 842 - 525 049 Fax: (84-56) 525 877 Email: cn.quynhon@nab.com.vn Cho Lon Transaction Office: 19 Tang Bat Ho, Quy Nhon City, Binh Dinh Province Telephone: (84-56) 813 632 Fax: (84-56) 813 634 Email: cn.cholon@nab.com.vn An Nhon Transaction Office: 96 Ngo Gia Tu Str., Binh Dinh Town, An Nhon Dist, Binh Dinh Provine Telephone: (84-56) 736 336 Fax: (84-56) 736 337 E-mail: cn.annhon@nab.com.vn DA NANG PROVINCE Da Nang Branch: 65-67 Nguyen Van Linh Str., Hai Chau Dist, Da Nang City Switch board : (84-511) 3584 570 - 3584 571 Fax: (84-511) 3584 569 E-mail: cn.danang@nab.com.vn

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