GI I THI U N GN HNG TMCP NG NAM Thng i p c a Ch tch H i ng Qu n Tr Gi i thi u v Ngn hng Gi i thi u v Ban T ng Gim c Bo co c a T ng Gim c Cc s ki n n i b t nm 2007 Chi

7 Chi n l c pht tri n khch hng K T QU HO T NG KINH DOANH NM 2007 11 12 13 14 15 16 17 18 19 20 - 21 03 04 - 05 06 07 08 - 09 10

Cc ch s ti chnh nm 2007 Cng tc Huy ng v n Ho t ng Tn d ng Ho t ng Thanh ton Qu c t Cng tc Pht tri n s n ph m Cng ngh thng tin Ho t ng c a Trung tm th Cng tc Nhn s Ho t ng Quan h cng chng Cng tc Pht tri n m ng l i

K HO CH KINH DOANH NM 2008 M c tiu ho t ng kinh doanh nm 2008 M t s ch tiu k ho ch chnh nm 2008 22 23

BO CO TI CHNH NM 2007 Thng tin Ngn hng Bo co ki m ton B ng cn i k ton Bo co k t qu ho t ng kinh doanh 25 26 27 - 29 30

BO CO TH NG NIN 2OO7

GI ITHI U V SEABANK

C A CH T CH H I NG QU NTR
Nm 2007 l m t nm c nhi u chuy n bi n i v i ngnh ti chnh ngn hng ni chung v SeABank ni ring. S bi n ng c a th tr ng ch ng khon v th tr ng b t ng s n, s xu t hi n c a cc nh ch ti chnh n c ngoi, cng nh s c nh tranh b ng s n ph m thay th c a cc t ch c phi ngn hng, s ch y ua c nh tranh gi a cc t ch c tn d ng trong vi c cung c p cc s n ph m dch v ti chnh cho khch hng, t o ra nh ng ng l c pht tri n m nh m v m t s c c nh tranh m i y th thch. Trong s pht tri n v bi n ng chung, SeABank c s chu n b k l ng v m i m t v t c k t qu h t s c thuy t ph c v ng b c trong l h v c ti chnh ngn hng. SeABank t c nhi u n thnh qu l n trong m i m t, hon thnh v t m c cc ch tiu k ho ch i h i ng c ng ra, tr thnh m t trong ba Ngn hng c ph n c v n i u l cao nh t v gi v ng l m t trong s cc Ngn hng c ph n c t c tng tr ng cao nh t Vi t Nam. Nh ng m c tiu pht tri n r rng v s v ng vng, quy t on c a Ban lnh o cng s on k t, c ng hi n c a cc thnh vin Ban i u hnh v cn b nhn vin ngn hng t o nn m t v th m i cho SeABank. Trong nm qua, SeABank th c hi n thnh cng vi c h p tc v i hai i tc chi n l c trong nc l Tng Cng ty Thng tin Di ng (VMS - MobiFone) thuc Tp on Bu chnh Vin thng Vit Nam v Tng Cng ty Kh Vit Nam (PV Gas) thuc Tp on Du kh Vit Nam, cng vi vic tng vn i u l ln 3.000 t ng v pht hnh thnh cng 2.000 t ng tri phi u chuy n i, a d ng ha cc s n ph m, dch v v cc knh phn ph i m i, th c hi n t t cc d n l n v cc chi n l c kinh doanh t ng th tng c ng s c m nh ti chnh v ti m nng pht tri n cho SeABank. Trn n n t ng cng ngh m i, bn c nh nh ng s n ph m truy n th ng, cc s n ph m dch v ngn hng hi n i, nhi u ti n ch c ra i ph c v khch hng. Vi c pht tri n nhn s , t o ngu n l c cho pht tri n b n v ng, m b o tnh k th a nhng v n i m i m nh m p ng nhu c u pht tri n c SeABank c bi t ch tr ng. Nm 2007 cng l nm thng hi u SeABank c kh ng nh r nt v n t ng t i Vi t Nam. V i cc ch s k t qu ho t ng, t c tng tr ng v nh ng thnh cng m SeABank t c trong nm 2007, cng vi k hoch pht trin 5 nm (2005-2010) tr thnh mt trong nhng Ngn hng thng m i c ph n hng u Vi t Nam, SeABank i c nh ng b c c b n. Ch ng ng ti p theo l nm 2008, v i nh ng kh khn, th thch l n hn, SeABank s th c hi n chng trnh h p tc v i nhng yu t mi v ci tin su rng. Chng ti mong tip tc nhn c s tn nhim ca khch hng, s ng h ca cc c ng, s hp tc h tr ca cc i tc v cng vi s tp trung tr lc ca ca Hi ng Qu n Tr nhi m k i, chung tay gp s c c a i ng i u hnh cng ton th cn b nhn vin, m SeABank s v t qua nh ng kh khn v thch th c hon thnh m c tiu tr thnh m t trong nh ng Tp on Ti chnh Ngn hng a nng, c gi tr ni bt ti Vit Nam. Thay mt cho Hi ng Qun Tr, ti xin gi ti cc c quan qun l Nh nc, cc Qu v c ng, cc i tc, cc khch hng v ton th cn b nhn vin l i c m n chn thnh cng l i chc s c kh e, thnh cng v t t p nh t.

THNG I P

B Nguyn Th Nga Ch tch Hi ng Qun Tr

NGUY N TH NGA Ch tch Hi ng Qu n Tr

BO CO TH NG NIN 2OO7

GI ITHI U V SEABANK

GI I THI U CHUN G Ngn hng TMCP ngNam - SeABank, c thnh lp t nm 1994 v l mt trong nhng Ngn hng thng mi c phn c mt sm nht ti Vit Nam. Tri qua nhiu giai on thng trm, SeABank khng ngng n lc hon thin pht trin cng nn kinh t Vit Nam trong giai on hi nhp vi mong mun tr thnh mt tp on ngn hng bn l a nng, hin i. T nm 2001, SeABank th c hi n k ho ch ti c c u ngn hng v i nh ng nh h ng r t r rng v ti chnh, nhn l c v cng ngh B ng vi c tng v n i u l t 50 t ng, cho n nay, c c u c ng c a SeABank c s thay i c b n, l s tham gia c a cc nh u t, cc t ch c php nhn c ti m l c ti chnh m nh v kinh nghi m lu nm trong l h v c kinh doanh c a mnh t i Vi t Nam. n Nm 2005 l c t m c h t s c quan tr ng trong lch s pht tri n, khi SeABank th c hi n cng lc 2 b c i chi n l c, l chuy n H i s chnh t H i Phng v th H N i v t b c chn u tin vo th tr ng giu ti m nng nh t, thnh ph H Ch Minh. Sau th i i m ny, SeABank chuy n mnh m nh m v i nh ng ch s ti chnh nh y v t m t cch n t ng v ch t l ng ho t ng b n v ng. c bi t l t nm 2001 n 2005, SeABank khng pht sinh n qu h n v l ngn hng c ch t l ng tn d ng lnh m nh nh t v i t l n x u ( PL) lun c kh ng ch N m c d i 0.3%. V i nh ng h s an ton lun t m c quy nh nn trong 4 nm lin ti p, t 2003 n 2007, SeABank c Ngn hng Nh n c x p lo i A v c nh gi l ngn hng c t c pht tri n nhanh nh t v b n v ng nh t. Trong nm b n l 2007, SeABank c r t nhi u thnh t u ng ch , th hi n r nt chi n l c tr thnh m t ngn hng bn l hng u, khi cng lc tri n khai thnh cng giai o n 1 ph n m m qu n tr ngn hng T24 c a hng Temenos Th y S v k k t H p ng H p tc v H tr k thu t ton di n v i c ng chi n l c trong n c l Cng ty Thng tin Di ng VMS - MobiFone. Bn c nh , SeABank ti p t c th c hi n chi n l c m r ng m ng l i ho t ng, p d ng m hnh qu n tr hi n i t ng b c ti c u trc, i m i quan ni m kinh doanh, t p trung nhi u hn vo cng tc qu n l chm sc khch hng. M ng l i ho t ng c a SeABank bao g m cc chi nhnh, phng giao dch khng ng ng c thnh l p m i, pht tri n nhanh nhng v n m b o hi u qu ho t ng v kh nng qu n l. Trong nm 2007, bn c nh ti p t c m r ng m ng l i t i cc a bn c s n, SeABank tp trung pht trin mng li ng u c 3 vng Bc - Trung - Nam cc tnh Qu ng Ninh, B c Ninh, H i Dng, Nha Trang, V ng Tu, V i 50 i m giao dch hi n t i, trong nm 2008, SeABank d ki n pht tri n thm

GI ITHI U NGN HNG

BO CO TH NG NIN 2OO7

GI ITHI U V SEABANK

m ng l i ho t ng t i cc a bn m i nh: H Ty, V h Phc, L ng Sn, n Thi Nguyn, Ninh Bnh, Hng Yn, Qu ng Nam, Bnh nh, Bnh Thu n, k Lk, C n Th, An Giang, C Mau, nh m nng s i m giao dch t i cc tnh thnh c a c n c ln 85 i m. Nm 2007 c nh gi l nm g t hi nhi u thnh cng c aSeABank v i cc thnh tch ng ghi nh n nh: - Ln th t lin tip c Ngn hng Nh nc xp loi A, - t gi i th ng dch v thng m i hng u TOP TRADE SERVICES 2007 do B Cng thng trao t ng, - Cc gii thng thanh ton quc t xut sc nht: ACHIEVING A HIGH STRAIGHT-THROUGH RATE FOR PAYMENT PROCESSING do Wachovia - mt trong bn ngn hng hng u ti M trao tng v GLOBAL TRANSACTION BANKING AWARD 2007do H SBC trao t ng, - Gii Cu Vng Vi t Nam 2007 THE BEST BANKERdo Ngn hng Nh N c trao t ng... C ng trong nm 2007 SeABank k H p ng chuy n giao ph n m m Gi i php Chuy n m ch v Qu n l th phin b n m i nh t Way4 v i cng ty cung c p gi i php cng ngh hng u v th Openway (B), h ng t i m c tiu chnh th c pht hnh s n ph m th thanh ton u tin c a SeABank vo cu i qu I/2008.

S M NH
SeABank phn u s tr thnh Tp on Ti chnh Ngn hng (SeABank Group) vi cc gi tr ni bt v uy tn thng hiu v cht lng ti sn ti th trng Vit Nam v t ng b c vn t i th tr ng khu v c. Theo , SeABank cam k t cung c p mt tp hp cc sn phm c tnh chuyn nghip cao, t ngn hng thng mi truy n th ng n cc s n ph m ngn hng u t v dch v ti chnh cao c p cho cc phn khc khch hng m c tiu, t i u ho cc gi tr cho khch hng, l i ch c ng v s pht trin bn vng ca tp on, ng gp vo s pht trin chung ca c ng ng v x h i.

T M NHN
Pht tri n m nh h th ng theo c u trc c a m t ngn hng bn l a nng c hi u qu cao, tng bc to lp m hnh ca mt ngn hng u t chuyn doanh. Pht trin y theo m hnh ca mt Tp on Ti chnh Ngn hng a nng, hin i, c gi tr ni bt v tnh cnh tranh, cht lng v uy tn thng hiu.

GI ITHI U NGN HNG

BO CO TH NG NIN 2OO7

GI ITHI U BAN T NG GIM C

NG L VN CH Tng Gim c
Nm sinh: 1945 Trnh chuyn mn: C nhn ngn hng, chuyn ngnh ti chnh tn d ng. Ngo i ng : Ti ng Anh ng L Vn Ch c trn 40 nm kinh nghi m trong l h v c ti chnh, ngn hng. ng Ch t ng l cn b n ti Ngn hng Nh nc Qung Ninh trc khi cng tc ti SeABank nm 1996 v m nhim chc v Tng Gim c SeABank t ngy 01/4/1996 n nay.

NG L TU N ANH Ph Tng Gim c

Nm sinh: 1979 Trnh chuyn mn: C nhn Ti chnh - ngn hng. Ngo i ng : Ti ng Anh ng L Tu n Anh c trn 7 nm kinh nghi m t i SeABank v n m gi cc v tr quan tr ng trong ban lnh o nh Ph ch tch Hi ng Qu n Tr v c b nhi m gi ch c Ph T ng Gim c SeABank t nm 2001 n nay.

NG L QU C LONG Ph Tng Gim c

Nm sinh: 1965 Trnh chuyn mn: C nhn Ti chnh k ton, C nhn Lu t. Ngo i ng : Ti ng Anh ng L Qu c Long c b nhi m lm Ph T ng Gim c SeABank t thng 02/2005. Trc ng tng gi cc chc v qun l ti Ngn hng Si Gn Thng Tn nh Gim c chi nhnh B c Ninh, Ph Gim c chi nhnh H Ni.

NG NGUY N M NH QUN Ph Tng Gim c

Nm sinh: 1973 Trnh chuyn mn: C nhn ngo i ng , C nhn k ton, Th c squ n tr kinh doanh (Asian Institute of Technology). Ngo i ng : Ti ng Anh ng Nguyn Mnh Qun c hn 12 nm lm vic ti Citibank v HSBC Vit Nam, gi cc v tr nh Trng phng kim sot v m bo cht lng (Kim sot ni b), Trng phng Qun l ri ro T nm 2006 n nm 2007, ng l thnh vin Ban Kim sot Hi ng Qun Tr ca Techcombank. ng c b nhim lm Ph T ng Gim c SeABank t thng 11 nm 2007.

BO CO TH NG NIN 2OO7

GI ITHI U V SEABANK

C A T NGGIM C
Nm 2007, ho t ng c a ngnh ti chnh ngn hng Vi t Nam c nhi u bi n ng, cc ngn hng c thm nhi u c h i pht tri n nhng cng ph i i m t v i khng t kh khn. V t qua nh ng thch th c , SeABank vn pht trin mnh m v n nh tt c cc mt t vn iu l, li nhun, qun tr ri ro, pht tri n m ng l i, s n ph m dch v v ng d ng cng ngh ... SeABank lun c nh gi l m t trong nh ng ngn hng c t c tng tr ng nhanh v n nh nh t trn th tr ng. So vi kt qu kinh doanh nm 2006, trong nm 2007, vn iu l ca Ngn hng t 3.000 t ng, li nhun trc thu tng 300%, t trn 408 t ng; tng ti sn tng 258%, t 26.241 t ng; tng huy ng t gn 20.249 t ng, tng 243%; tng d n hn 11.041 t ng, tng 329% v t l cho vay ch ng khon c kh ng ch th p hn so v i m c quy nh c a Ngn hng Nh n c. Trong nm qua, SeABank a ra nhi u s n ph m, dch v m i ng th i c i ti n cc s n ph m dch v c v nng cao ch t l ng ph c v khch hng c m th y tin t ng v tho i mi nh t khi giao dch t i Ngn hng. c bit, vic ko di thi gian giao dch lin tc t 7h30 n 19h00 trn ton h thng l mt bc t ph l n nh m p ng nhu c u c a r t nhi u khch hng khng c i u ki n giao dch t i Ngn hng trong gi hnh chnh. Khng ng ng pht tri n v m r ng m ng l i, nm 2007 v a qua SeABank c m t thm nhi u vng kinh t trng im ca t nc nh: B Ra - Vng Tu, Bc Ninh, Qung Ninh, Nha Trang... nng t ng s i m giao dch c a ngn hng ln g n 50 i m trn c n c. Bn c nh , Ngn hng chnh th c ng d ng thnh cng giai o n I ph n m m qu n tr ngn hng Temenos T24 c a Th y S , nh d u b c pht tri n ton di n c a SeABank trong vi c ng d ng cng ngh hi n i trong ho t ng kinh doanh hng ngy, m b o nhanh chng, an ton v tnh chnh xc cao. ng th i, Ngn hng cng t ng b c xy d ng hon thi n n n t ng cng ngh th Th ATM SeABank c mt trn th trng vo cui Qu I/2008. Trong nm 2008, mc tiu ca SeABank s m thm cc chi nhnh, phng giao dch nng tng s im giao dch c a ngn hng ln 85 i m trn ton qu c, ng th i ti p t c nng v n i u l ln 5.000 t ng, phn u a tng ti sn t 40.000 t, tng d n 27.800 t, huy ng vn 31.900 t, khng ch t l n qu hn mc di 0,5% v d kin li nhun t 852 t ng, pht hnh thnh cng th ATM, em l i nhi u ti n ch cho khch hng. V i nh ng thnh t u t c trong nm 2007, cng i ng nhn s nng ng, sng t o, on k t, trn n n t ng c s h t ng cng ngh hi n i v h th ng m ng l i cc i m giao dch tr i di trn khp c nc, cng s tin tng ca Qu khch hng, ti tin rng SeABank s hon thnh tt mi mc tiu ra trong nm 2008 v i phng chm pht tri n ton di n, an ton, hi u qu v b n v ng.

BO CO

L VN CH V VN T ng Gim c

BO CO TH NG NIN 2OO7

Gii THiU v seABANk

s kiN Ni Bt

1
1. Ngy 24/9/2007, seABank vinh d c Ngn hng Nh nc vit Nam nh gi xp loi A trong khi Ngn hng thng mi c phn. y l ln th 4 lin tip seABank c Ngn hng Nh nc vit Nam nh gi xp loi A.

3
3. Ngy 06/8/2007, seABank ng thi cng b C ng chin lc trong nc l vMs MobiFone v k kt Hp ng Hp tc & H tr k thut ton din vi vMs - MobiFone.

2
2. Cht lng dch v ca seABank c ghi nhn v khng nh qua Gii Cu vng vit Nam 2007 (THe BesT BANker) do Ngn hng Nh nc trao tng ngy 05/5/2007 v gii thng Qu Cu vng 2007 ngy 20/01/2008.

4
4. Thc hin chin lc pht trin thng hiu ng b v mnh m trn cc phng tin thng tin i chng. Tiu biu l ti tr cc chng trnh truyn hnh c cht lng v mang tnh cht x hi su rng nh: chng trnh Tm hiu chng khon; Bn tin Ti chnh trn vTv1 & vTv3; Trin khai cc hnh thc qung co hin i ti cc sn bay trn c nc v tham d cc hi tr trin lm c uy tn trong nc v quc t.

5. T ngy 16 - 18/11/2007, seABank vinh d l nh ti tr vng cho Hi ngh thng nh v kinh doanh v u t AseAN ln th 5 (2007 AseAN Bis) ti singapore - 11/2007 v l doanh nghip vit Nam duy nht ti tr t chc cho Hi ngh Quc t quan trng c Th tng ca 10 nc ng Nam tham d.

Bo co thng nin 2oo7

s kiN Ni Bt

Gii THiU v seABANk

6
6. Ngy 7/12/2007 nh du thi im seABank chnh thc gia nhp vo th trng th ngn hng vi vic k kt Hp ng chuyn giao phn mm Gii php Chuyn mch v Qun l th phin bn mi nht Way4 vi Cng ty Openway (B) - nh cung cp phn mm ton cu v nhng gii php trong vic thc hin thanh ton th h mi WAY4, hng ti mc tiu s chnh thc pht hnh th ATM seABank u Qu i/2008.

8
8. seABank cng khng ngng y mnh cc hot ng x hi t thin: i b t thin, ng h cc nn nhn cht c da cam, tr em khuyt tt cng nh tham gia cc trin lm chuyn ngnh: Banking, Finance & insurance expo 2007, Autotech 2007; Ti tr Golf Club Championship kings island Golf 2007

7
7. Ngy 06/01/2008 ti H Ni, thng hiu seABank tip tc c vinh danh khi l mt trong rt t doanh nghip c trao gii thng Thng mi dch v - Top Trade services 2007 do B Cng thng t chc trong lnh vc Dch v Ti chnh.

9. Ngy 28/12/2007, seABank chnh thc tng vn iu l ln 3.000 t ng, pht hnh thnh cng 2.000 t ng tri phiu chuyn i c k hn 1 nm v 2 nm v tr thnh mt trong ba ngn hng c vn iu l ln nht vit Nam vi t l n qu hn c khng ch mc thp nht (nh hn 0,5%).

10. vi cc ch s kinh doanh n tng nm 2007: Li nhun trc thu t trn 408 t ng, tng gn 200% so vi nm 2006; Tng ti sn t 26.241 t ng; Tng huy ng t 20.249 t ng; tng d n trn 11.041 t ng, tng trn 300% so vi nm 2006; M rng gn 50 im giao dch trn ton quc ... seABank c nh gi l mt trong nhng ngn hng c tc pht trin nhanh v n nh nht trn th trng.

10

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Gii THiU v seABANk

cc sn phm dch v ca SeABank hng n ng o i tng khch hng nh khch hng c nhn, h kinh doanh c th, cc loi hnh Doanh nghip t nhn, trch nhim hu hn, c phn thuc khu vc Kinh t t nhn v Quc doanh, Doanh nghip c vn u t nc ngoi... trong nhng i tng khch hng , nhm khch hng mc tiu hin nay ca SeABank bao gm: khch hng c nhn l cc c th tp trung ti cc khu th ln c nhu cu v cc giao dch ngn hng nh gi tit kim, vay vn tiu dng & kinh doanh c bit ch trng phn khc c gi tr cao thuc tng lp trung v thng lu, cc h gia nh, c s sn xut - kinh doanh, doanh nghip t nhn quy m nh c tnh cht c nhn (Small - Business Banking). khch hng Doanh nghip bao gm khch hng truyn thng l cc doanh nghip va v nh (SMEs), cc thnh phn kinh t hot ng trong cc lnh vc kinh doanh nng ng & hiu qu nh sn xut cng nghip, dch v phc v c nhn & cng ng, dch v gii tr Ngoi cc i tng khch hng trn, seABank cn m rng thm nhiu khch hng ln l cc tng cng ty, tp on ln ca vit Nam (Corporation/Holdings). vi mi i tng khch hng, ngn hng u c chin lc pht trin ring ph hp vi nng lc, nhu cu i vi khch hng c nhn, seABank tiu chun ho i vi tng nhm phn khc; Hp l ho quy trnh thao tc t im bn hng (Point of Sale) n cc trung tm x l tp trung (Centralised Processing Center); T ng ho x l giao dch vi cc dch v gn lin vi ti khon thanh ton da trn h tng cng ngh cao (cng c ghi n trc tip, lin kt ti khon t ng) to c s pht trin cng nghip ho tn dng tiu dng; kt hp qun l tp trung sn phm v dch v khch hng hon ho. Chin lc pht trin dnh cho khch hng doanh nghip bao gm: Tip cn, pht trin danh mc khch hng bn vng, phn tn ri ro; H thng qun l quan h khch hng (CRM) vt tri trn c s c nhn ho cc gii php ti chnh i vi tng khch hng/ nhm khch hng; sn phm dch v trn gi, a dng; dch v u tin i vi cc cng ty quan h thng xuyn c doanh thu dch v v dng tin lun chuyn cao. c bit, p ng ti a nhu cu ca khch hng, ngoi cc sn phm dch v c bn, seABank c nhng sn phm dch v thit k ring cho tng nhm khch hng. Dnh cho khch hng c nhn c cc sn phm ca khch hng thng lu nh: Ti tr bt ng sn, ng sn gi tr cao; Ti tr ti sn ti chnh (mua c phn doanh nghip, kinh doanh chng khon...); Ti tr u t doanh nghip (gp vn thnh lp mi, mua li c phn l c ng chi phi, gp vn kinh doanh vo doanh nghip); Dch v qun l ti chnh c nhn (Private banking); Dch v h tr (lut s, k ton, thu, t vn u t...). vi khch hng trung lu, c cc sn phm: Ti tr nh (mua, sa nh, xy nh, cc dch v lin quan n nh phc v kinh doanh hoc ); Ti tr mua t; Kinh doanh, u t (kinh doanh chng khon, thung mi, sn xut...); Sinh hot (Mua sm vt dng c gi tr, cho vay tiu dng, du hc, du lch...); Xc lp cc bo co qun l ti chnh c nhn... vi cc khch hng i chng c Ti tr nh trung v di hn; Kinh doanh quy m nh (tiu thng, sn xut th cng, thng mi dch v...); Ti tr chi ph sinh hot, mua sm tiu dng; Tin gi tit kim Cc sn phm dch v c thit k ring cho i tng khch hng doanh nghip cng c phn chia thnh nhng nhm: Doanh nghip ln/tp on (CMs, Cho vay ti tr d n, Cc dch v ti chnh trn gi); Doanh nghip va v nh (Cho vay b sung vn lu ng, Cho vay u t ti sn c nh, my mc trang thit b ). Chnh nh nhng chin lc pht trin khch hng chuyn nghip, lng khch hng giao dch ti seABank khng ngng gia tng c v s lng v gi tr giao dch. Cc s liu so snh 2005/2006/2007 v cng tc pht trin khch hng: S lng khch hng nm 2005 l 17.827 khch hng, S lng khch hng nm 2006 l 24.451 khch hng, S lng khch hng hin ti khong 46.000 khch hng. SeABank c nhiu khch hng ln nh: MobiFone, VINACONEX, COTEC Group, Tp on Vina MegaStar, Constrexim, PV Gas,

CHiN LC PHT TriN

khch hng

10

Bo co thng nin 2oo7

K T QU HO T NG KINH DOANH NM 2OO7

n v: t ng CH TIU V n i u l T ng ti s n T ng huy ng v n T ng d n T l n qu h n (%) L i nhu n tr c thu 2005 250 6.125 5.117 1.350 0,42 50,63 2006 500 10.200 8.346 3.363 0,23 136,88 2007 3.000 26.241 20.249 11.041 0,24 408,75

CC CH S
30.000

QUY M

CC CH S
n v : t ng 26.241
25.000

KINH DOANH
20.249

n v : t ng

25.000

20.000

15.000

10.200
10.000

5.000

3.000 250
2005

5.000

500
0

2006

2007

2005

1.350

2006

3.363

6.125

5.117

10.000

8.346

15.000

2007

V n i u l T ng ti s n

T ng huy ng v n T ng d n

L I NHU N TR C THU
n v : t ng
450 400 350 0,3 300 0,25 250 0,2 200 150 100 50 0 0,45 0,4 0,35

T L N QU H N
n v : % 0,42%

408,75

11.041 0,23% 0,24%

2005 2006 2007

20.000

136,88 50,63

0,15 0,1 0,05 0

2005

2006

2007

BO CO TH NG NIN 2OO7

11

kT QU HOT NG kiNH DOANH NM 2OO7

huy ng vn l mt cng tc quan trng, lun c ch trng ti SeABank. cng vi nhng chng trnh khuyn mi, cc chnh sch li sut linh hot, cng tc huy ng vn trong nm 2007 ca ngn hng thu c nhng thnh qu nht nh. Vi vic lin tc iu chnh li sut huy ng nhm p ng vi tnh hnh th trng nhiu bin ng, trong nm qua, SeABank lun nm trong tp nhng ngn hng c li sut huy ng vn u i nht trn th trng ti chnh, ngn hng Vit nam v l mt a ch gi tin tit kim tin cy ca cc khch hng c nhn. Trong nm 2007, cng tc huy ng vn ca seABank c tc tng trng ng k. Tnh n ngy 31/12/2007 tng ngun vn huy ng t gn 20.249, tng 243% so vi tng vn huy ng nm 2006, t 110% k hoch nm 2007. Trong , vn huy ng t cc t chc kinh t v dn c chim t l tng i trong tng huy ng ca seABank vi gn 10.744 t ng, gp 244% so vi nm 2006 . Hot ng kinh doanh lin ngn hng cng c mc tng trng mnh m, s d huy ng trn th trng lin ngn hng t gn 9.505 t ng, tng 197% so vi nm 2006. so vi mc tng trng vn ca nm 2006 v k hoch nm 2007, hot ng huy ng vn trong nm 2007 ca seABank c bc pht trin mnh m c v quy m v loi hnh, hon thnh vt mc k hoch c giao. vi cc chng trnh khuyn mi trong nm nh: Li cm n u nm; Bo an mi ngy, nhn ngay qu tng; Li sut bc thang seABank nhiu ln tng li sut huy ng vn nhm thu ht thm nhiu khch hng ng thi to ngun vn di do phc v cho hot ng tn dng khng ngng gia tng trn ton h thng. vi cc qu tng hp dn nh: m bo him Protec (km kha chng mt m), o ma, c nhn, mc eo cha kha cng li sut tit kim u i, cc chng trnh huy ng vn c s hng ng nhit tnh ca cc khch hng. ng gp vo s thnh cng chung trong hot ng huy ng vn ca ngn hng l s pht trin vt bc ca cc chi nhnh trong ton h thng. c bit, cc chi nhnh mi thnh lp cng n lc thu ht khch hng nh chi nhnh Bc Ninh, Qung Ninh, Nha Trang... Bn cnh vic a dng ha sn phm, seABank cng thng xuyn m rng quan h vi cc t chc, nh ch ti chnh trong v ngoi nc nhm tip cn ngun vn mi, tng lng vn huy ng cho ngn hng.

CNG TC huy ng vn
35.000

24.000
30.000

25.000

7.900 10.744

20.000

15.000

10.000

9.505 4.834 2.805 2.312

12

Bo co thng nin 2oo7

5.000

3.512

Th trng 2 Th trng 1

0 2005 2006 2007 k hoch 2008

kT QU HOT NG kiNH DOANH NM 2OO7

hot ng tn dng l mt trong nhng khu quan trng gp phn vo s thnh cng ca SeABank thi gian qua. trong nm 2007, i tng khch hng m SeABank hng ti trong hot ng tn dng l cc doanh nghip va v nh, cc khch hng c nhn. tnh n 31/12/2007, tng d n ca SeABank l hn 11.041 t ng, tng 329% so vi tng d n nm 2006 v t 106% k hoch nm 2007. seABank cung cp a dng cc sn phm vay theo cc hnh thc khc nhau v thi hn, mc ch vay nh: tiu dng, vay mua t, vay mua v sa cha nh, vay sn xut kinh doanh c th, vay b sung vn lu ng doanh nghip; vay ti tr xut nhp khu, vay ti tr d n Bn cnh , seABank cng trin khai nhiu chng trnh khuyn mi, gim li sut cho vay thu ht thm nhiu khch hng c nhn v doanh nghip vi ngun vn v chi ph hp l mua sm tiu dng, nng cao cht lng cuc sng v u t tng nng sut lao ng , m rng sn xut kinh doanh, tng kh nng cnh tranh ca doanh nghip c bit trong nm 2007, vic Thng c Ngn hng Nh nc ra Ch th 03 v vic yu cu cc ngn hng khng ch d n vn cho vay u t chng khon mc di 3% tng d n tn dng, nh hng rt ln n hot ng tn dng ca cc ngn hng. khi Ch th 03 ca Ngn hng Nh nc c hiu lc, seABank nghim tc thc hin ch trng trn v c gng khng ch t l cho vay u t chng khon cng nh thu hi cc khon vay m bo ng yu cu v thi gian quy nh. n thi im 10/12/2007, t l cho vay u t chng khon ca ngn hng khng ch mc 2,78%, y l mt thnh cng ln ca seABank. Trong sut qu trnh hot ng, seABank lun tun th tuyt i cc quy nh v hot ng tn dng do Ngn hng Nh nc ban hnh v cc Quy ch ca ngn hng v cho vay v m bo tin vay. Cng tc phn loi v nh gi khch hng, phn loi khon vay, h thng ph duyt v kim sot tn dng c ban lnh o ngn hng c bit ch trng, tng cng v hin i ha cc cng c kim sot tn dng, xy dng h thng xp hng tn dng Cht lng tn dng ca seABank lun mc an ton vi t l n qu hn rt nh, lun c khng ch mc di 0,5% trn tng d n.

Cng trong nm 2007, seABank bt u xu hng cho vay bn l tiu dng, cc sn phm mi p ng nhu cu ca x hi, bn cnh cc sn phm truyn thng lin tc c lm mi v rt thnh cng thi gian qua.

L k kt hp ng thnh lp cng ty TNHH Bo him Nhn th VIETCOMBANK - CARDIF

HOT NG Tn dng
30.000

7.800
25.000

20.000

8.585

20.000

15.000

10.000

11.041 3.317

5.000

3.877 3.363 1.350

Th trng 2 Th trng 1
2007 k hoch 2008

Bo co thng nin 2oo7

13

0 2005 2006

kT QU HOT NG kiNH DOANH NM 2OO7 nm 2007 l nm ghi nhn nhiu thnh cng ca SeABank trong c hot ng thanh ton Quc t. thnh cng khng ch dng li kt qu kinh doanh v cht lng dch v m cn c khng nh uy tn ca SeABank trn trng Quc t. Tnh n ht 31/12/2007, doanh s thanh ton quc t ca seABank t 4.026 t ng, tng 213% so vi nm 2006, trong L/C nhp khu l hn 2000 t ng v doanh thu ph t gn 7 t ng, tng 180% so vi nm 2006, t l in chun ca seABank t hn 95%. Cc iu kin v c s h tng nh: mng thanh ton, h thng ti khon Nostro, nhn s cng nh mng li ngn hng i l ca seABank khng ngng m rng ra khp cc nc trn th gii v hn mc tn dng cp cho seABank lin tc c nng ln, trong mn chuyn tin c gi tr ln nht ln ti 16 triu UsD, m L/C nhp khu tr gi gn 6 triu UsD cht lng dch v thanh ton quc t ca seABank lun c khch hng tin cy v nh gi cao. Cng vi s tng trng c v s lng v quy m ca giao dch thanh ton quc t l s cng c vng chc nim tin ca cc khch hng trong nc v ca cc Ngn hng i l nc ngoi i vi seABank. Ngn hng c nhng khch hng ln vi nhng giao dch Thanh ton Quc t ln ti hng chc triu UsD. Thm vo , hng lot cc ngn hng hng u th gii nh CitiBank UsA, Wachovia UsA, Bank of Nova scotia, t xut tng hn mc tn dng (Clean line) cho seABank c th m c nhng L/C xc nhn ln ti gn chc triu UsD. vi nhng thnh cng , seABank c Wachovia, mt trong 4 ngn hng ln nht ca M trao gii thng Ngn hng c hot ng thanh ton quc t xut sc nht nm 2007, tip Ngn hng k tha thun hp tc trong hot ng thanh ton quc t vi Bank of China, mt trong nhng ngn hng ln nht Trung Quc v tip tc nhn Gii thng Thanh ton quc t xut sc nm 2007 do HsBC trao tng Hin nay seABank c quan h i l vi hng trm ngn hng v cc chi nhnh ca h trn khp th gii ng thi m rng sang c nhng nc chu Phi Trong thi gian ti seABank s tip tc m rng thm quan h i l vi cc ngn hng, c bit l cc ngn hng bn a cc quc gia trn th gii.

THANH TON quc T

i din ban lnh o SeABank nhn gii thng Ngn hng c hot ng thanh ton quc t xut sc nht nm 2007 do Ngn hng Wachovia - USA trao tng ngy 10/03/2008.

14

Bo co thng nin 2oo7

kT QU HOT NG kiNH DOANH NM 2OO7 trong bi cnh cnh tranh ngy cng gia tng, vi s tham gia ca hng chc thng hiu ngn hng uy tn khc nhau, SeABank xc nh tm n vi khch hng mc tiu ca mnh bng chin lc A DnG ho Sn PhM V cc Sn PhM cn Phi xy DnG trn c S hnG n nhu cu cA Khch hnG. Sn phm mi l tr ct thit yu c th m rng thng hiu SeABank khi m nhm khch hng mc tiu ca ngn hng l khch hng c nhn v cc doanh nghip va & nh (SMEs) nhng khch hng rt nhy cm v chi ph, cht lng v hnh thc ca sn phm cng nh ch khuyn mi. T ch ch thc hin cc nghip v truyn thng n thun l huy ng vn v cho vay, n nay seABank c th cung cp tt c cc dch v ti chnh ngn hng hin c ti vit Nam. Cc sn phm tn dng ca ngn hng ngy cng a dng v chuyn mn ha cao, th tc c ci tin, thay i ph hp vi tng i tng khch hng. nu sn phm c xem l nn tng c bn ca thng hiu th SeABank c mt nn tng kh vng chc, to s khc bit ha r nt v hnh nh trc cc i th cnh tranh. Trong huy ng vn, ngn hng trin khai nhiu dch v c o v tin ch: Giao dch ngn hng ti nh - HomeTeller, dch v Ti chnh c nhn/ phng V.I.P ti ni giao dch, bn cnh thi gian giao dch lin tc c ko di lin tc t 7h30 n 19h00 hng ngy (tr th 7, Ch nht v cc ngy l). Nhng dch v ny lun to ra nhng bt ng th v v to iu kin thun tin nht i vi cc khch hng khi n vi seABank. Ngoi ra, vi cc khch hng c nhu cu v vn khi n vi seABank s c cung cp cc sn phm tn dng u i c bit nh: ng hnh cng Honda v Xe hi mi. khch hng c nhu cu mua xe t tr gp s c hng mc li sut linh hot, mc ti tr ti a t 90 - 95% gi tr chic xe. Hay nh gi sn phm cho vay mua nh tr gp An Ph C vi thi hn cho vay ko di ti a ln ti 15 nm, mc ti tr ti a t 70 - 85% gi tr ti sn cng cc mc li sut linh hot, cnh tranh v u i cho cc khch hng lu nm ca ngn hng. Ngoi ra, khch hng cn c th la chn cc dch v gia tng km theo trn gi nh: Dch v thanh ton tin mua bn nh qua ngn hng; Cho vay mua nh mi km ni tht, tin nghi gia nh; Cho vay sa cha nh; Cho vay hon i nh; T vn php l v nh t; H tr dch v t vn thit k ni tht Hng ti nhm i tng cho vay mc tiu l cc doanh nghip va v nh (SMEs), seABank pht trin nhng sn phm rt c th, ph hp vi nhm i tng ny nh: Tiu dng cng doanh nhn - sn phm cho vay tn chp vi mc vay ln ti 200 triu ng c thit k dnh ring cho cc cn b qun l, iu hnh cp cao ti cc t chc, doanh nghip; Ngun nng lng vng t SeABank - c nhn nh l mt sn phm mi m v mang tnh x hi su rng thng qua vic h tr ti chnh cho cc d n tit kim nng lng c hiu qu cho nn kinh t vit Nam, nm trong chng trnh Tit kim Nng lng Thng mi th im (CeeP) do WorldBank (WB) ti tr. Trin khai dch v Bao Thanh ton - mt hnh thc cp tn dng, trong , seABank sn sng mua li cc khon phi thu ca Bn bn hng (vi thi hn cn li khng qu 180 ngy) pht sinh t quan h mua - bn hng ha c Bn bn hng v Bn mua hng tha thun trong hp ng mua bn hng ha tr chm; qua doanh nghip c th s dng khon phi thu nh ti sn m bo khon vay cho ngn hng, ng thi ngn hng c th ti tr vn ln ti a t 70% - 85% gi tr ha n. sn phm Doanh nghip vng - gi sn phm u i v ph dch v v li sut dnh cho cc khch hng ln u tin giao dch vi seABank s linh hot trong chnh sch cho vay kt hp vi s tn tnh, chuyn nghip ca i ng cn b nhn vin gip cc doanh nghip va v nh tip cn c ngun vn vi chi ph hp l. Ngoi ra l cc sn phm th d kin trin khai u qu ii nm 2008 vi nhiu gi tr gia tng ni bt cho khch hng, cng dch v ng tin mt th quc t cho cc khch hng s hu th visA, MAsTer v JCB qua my c th eDC vi th tc n gin, ng tin thanh ton phong ph (vND, UsD, eUrO), mc ph hp l v phng thc thu ph linh hot. H thng seABank cng ang hng ti cc dch v ngn hng u t nh Qun l Danh mc u t, Qun l ti sn, cc dch v phi ti chnh thng qua cc cng ty Chng khon, Bo him Nhn th c vn ca seABank nh Cng ty Chng khon seABank (seABs), Cng ty Bo him Nhn th vietcombank - Cardif, cng nh xc tin pht trin cc knh u t hi ngoi cho khch hng c nhn.

CNGTC phTTrin sn phm

i din SeABank nhn Gii thng Thanh ton quc t xut sc nm 2007 do HSBC trao tng ngy 05/5/2008

Bo co thng nin 2oo7

15

kT QU HOT NG kiNH DOANH NM 2OO7

chin lc pht trin cng ngh l mt trng tm trong chin lc pht trin nhng nng lc cnh tranh ct li ca ngn hng. thi gian qua, SeABank khng ngng n lc i mi, ci tin cng ngh. Mt trong nhng mc tiu ca ngn hng hin nay l nhanh chng tip cn v ng dng cc sn phm cng ngh hin i nhm ti u ho h thng cng ngh thng tin ca ngn hng cng nh ti a ho tin ch cho khch hng, mang li hiu qu kinh doanh ni bt, gp phn vo s pht trin chung ca ngn hng. Thng 8/2005, seABank chnh thc kt ni mng thanh ton sWiFT y l mng thng tin kt ni thanh ton ton cu ca cc Ngn hng, phc v nhu cu thanh ton a dng ca khch hng m bo tnh nhanh chng v chnh xc. Tham gia vo mng sWiFT, seABank nng cao uy tn v nng lc ca mnh trn trng quc t. Bn cnh , mng chuyn tin nhanh (Western Union) cng c ci t gp phn a dng ho sn phm dch v thanh ton quc t cho seABank. u nm 2006, ngn hng bc u nghin cu, trin khai d n nng cp phn mm li (Core-Banking) bng phn mm T24 ca cng ty cung cp gii php cng ngh hng u th gii - Temenos Thu s - v l ngn hng c tc trin khai T24 nhanh nht ti vit Nam. T24 l mt cng ngh phn mm vi nhiu u th hin i, vt tri to thun li cho cng tc giao dch vi khch hng, qun tr, iu hnh ngn hng theo cc chun mc quc t. Phn mm T24 ca Temenos c kh nng thc hin ti 1.000 giao dch/giy, cng lc cho php ti 110.000 ngi truy cp v qun tr ti 50 triu ti khon. H thng phn mm cng ngh mi ny s lm nn tng seABank pht trin thm nhiu dch v ngn hng bn l v trin khai c hiu qu cc dch v ngn hng in t gp phn tng thu t dch v cho ngn hng. Phn mm cng ngh ngn hng mi Temenos - T24 l cn c xy dng cu trc h thng mng nhm p ng cho h thng Core Banking mi ng thi cng p ng c vic kt ni ATM, POs sau ny. vic tr thnh mt trong s t ngn hng ni a trin khai thnh cng phn mm li hin i ny cho php seABank trin khai hng lot cc dch v tin ch khc phc v khch hng nh: Home Banking, Internet Banking, Tit kim in t, Mobile Banking c ra mt khch hng vo cui Qu i/2008.

CNG NGH thNGtiN

16

Bo co thng nin 2oo7

K T QU HO T NG KINH DOANH NM 2OO7

Th trng th thanh ton ngy cng khi sc v y tnh cnh tranh. Theo thng k ca Ngn hng Nh nc, n cui thng 08/2007 c nc c trn 6 triu ti khon th thanh ton do trn 20 ngn hng pht hnh, gn 4.000 my ATM v 21.000 im chp nhn thanh ton th trn c nc. Tc tng trng lun t trn 100% mi nm. Vi nh hng c nc c 1,5 triu th vo nm 2010 vi 70% cc a im thng mi, dch v s dng dch v thanh ton phi tin mt v ln lt l 30 triu th v 95% vo nm 2020, mt ln na khng nh tc tng trng y ha hn trong thi gian ti ca th thanh ton. Trong b i c nh , SeABank c nh ng b c i nhanh chng, m nh m tham gia m t cch tch c c vo th tr ng si n i v y ti m nng ny. V i vi c thnh l p Trung Tm Th trong nm 2007 v y nhanh ti n u t h th ng cng ngh th hi n i v i nhi u tnh nng u vi t cho th y m t h ng i ng n v c nh h ng r rng c a ngn hng. Nm 2008 s l nm b n l c a ho t ng kinh doanh th , gp ph n xy d ng hnh nh, thng hi u v em l i nhi u l i ch cho khch hng c aSeABank. Ngy 07/12/2007 v a qua, SeABank k h p ng mua gi i php cng ngh th Way4 c a cng ty Openway (B), m t nh cung c p dch v danh ti ng c uy tn v kinh nghi m tri n khai thnh cng t i nhi u qu c gia trn ton th gi i. Ph n m m Way4 s cho php SeABank linh ho t trong vi c thi t k cc lo i s n ph m th v cho php khch hng c th chuy n ti n ngay gi a cc ti kho n trong SeABank c ng nh chuy n ti n n cc ti kho n c a cc Ngn hng khc trong th i gian s p t i. V i phng chm t o ra nhi u s n ph m dch v a d ng, v i m c an ton cao, p ng nhu c u c a t ng nhm khch hng c th cc s n ph m dch v th c a SeABank s c tri n khai xuyn su t t cc dng s n ph m dnh cho sinh vin, h c sinh cho n cc s n ph m c th h ng n cc i t ng nh ph n , doanh nhn, nh ng c nhn thnh t trong x h i... T cc s n ph m th t cho n cc dng s n ph m EMV v i b o m t cao cho php tch h p nhi u ng d ng tin ti n, em l i nhi u ti n ch cho khch hng trong qu trnh s d ng. Bn c nh vi c a d ng ha s n ph m dch v th , SeABank c ng v ang

tch c c xy d ng h th ng h t ng s d ng th b ng vi c tham gia k t n i v i cc lin minh, t ch c th trong v ngoi n c song song v i vi c tri n khai h th ng ATM v POS c a ring mnh. Ngn hng c ng nh h ng cng k t h p v i cc c nhn, t ch c, doanh nghi p khc m ra cc i m cung c p dch v u i dnh cho cc ch th c aSeABank. Ngay ti p sau SeABank s pht hnh th tn d ng qu c t th a mn nhu c u c a khch hng giao dch v i ngn hng c ng nh xy d ng m t k ho ch h p tc v i cc trung tm phn ph i v m ng l i bn l trn c n c nh m pht tri n doanh thu t cc dch v phi tn d ng. B ng s n l c c a mnh, Trung tm th SeABank a s n ph m th ra m t khch hng vo qu I/2008 v i cc ti n ch n i b t v cng ngh tin ti n nh t. S n ph m dch v th c a SeABank h a h n s mang l i nhi u l i ch cho c khch hng l n ngn hng, ng th i s m xy d ng c v th ring c a mnh trn th tr ng th thanh ton.

HO T NG C ATRU TMTH NG

BO CO TH NG NIN 2OO7

17

kT QU HOT NG kiNH DOANH NM 2OO7

hn 10 nm qua, trn chng ng xy dng v pht trin ca mnh, mi thnh cng ca SeABank u ghi nhn du n cng sc v s cng hin ca nhng th h nhn vin ngn hng. SeABank lun cao yu t con ngi, sc mnh tp th thng qua chnh sch o to v trng dng nhn ti. Ban lnh o SeABank xy dng h thng chnh sch nhn s linh hot, ch i ng v phc li tha ng, cng bng v hiu qu. Tnh n 31/12/2007, tng s nhn s ti seABank l 831 ngi tng 67% so vi nm 2006 trong trnh i hc & trn i hc chim 72% tng s cn b nhn vin ton Ngn hng. Chnh sch Tuyn dng: c Ngn hng s dng kh linh hot vi nhiu cch thc tuyn dng khc nhau nh: t chc cc chng trnh Ngy hi ngh nghip ti cc trng i hc; tham gia cc din n vic lm; t chc tuyn dng vi nhng tiu ch tuyn dng cng khai, minh bch vi thng ip seABank - Cho n nhn ti, trong thi gian qua, cng tc tuyn dng ca seABank gt hi c nhng thnh cng nht nh vi s lng nhn s u vo c cht lng cao mc d th trng nhn s trong lnh vc ti chnh ngy cng khan him. Chnh sch o to: Cng tc o to lun c seABank ch trng. vic o to c tin hnh nh k vi nhng chng trnh o to v ti o to c xy dng v cp nht thng xuyn thng qua cc hnh thc nh: o to ni b; gi i o to cc Trung tm o to trong nc & quc t... . k hoch o to c xy dng trn c s xc nh khong cch m Nv hin ti ang c v tiu ch c th ca ngn hng i vi mi v tr, chc danh trong nhng thi im nht nh. Chnh sch duy tr ngun lc: Nhng nhn vin ti nng ca seABank c th cc b phn, v tr khc nhau. Nhn vin ti nng c xc nh da trn nhng tiu ch nh tnh nht nh. khi mt c nhn c xc nh l ti nng ca seABank, nhn s s c ng trong hng ng o to lnh o tim nng, c hng ch i ng u i, ng thi h s c bi dng kin thc & bn lnh m nhn nhng v tr qun l cp cao trong tng lai. Nhm trao c hi cho tt c cc thnh vin ca seABank trn ton h thng, Ngn hng thng xuyn t chc cc cuc thi nh: i tm th lnh, Tm kim kim sot vin ti nng, Best Teller... Qua nhng cuc thi ny, nhn vin seABank th hin kh nng sng to & khng nh mnh bng nhng bc tin vng chc trong cng vic.

CNG TC nhn s
Nhn vin SeABank t vn ti chnh cho khch hng ti Trin lm Thng mi Vit Nam WTO 2007

18

Bo co thng nin 2oo7

kT QU HOT NG kiNH DOANH NM 2OO7

c th khng nh, trong nm 2007, cng tc quan h cng chng v pht trin thng hiu ca SeABank t c nhng bc pht trin ng k, thng hiu v hnh nh ca SeABank lin tc xut hin trn cc phng tin truyn thng i chng v mang li hiu qu truyn thng rt ln, t h tr c lc cho hot ng kinh doanh ca ngn hng, lng khch hng bit n v giao dch ti SeABank. Trong nm 2007, hot ng truyn thng v quan h cng chng h tr c lc cho vic qung b hnh nh v thng hiu ca seABank n vi nhiu i tng khch hng v cng chng. Cc chin dch truyn thng, marketing lin tc trn mi loi phng tin truyn thng: bo giy, bo in t, truyn hnh, qung co, ti tr Bn cnh vic cp nht hng tun cc thng tin v hot ng kinh doanh, sn phm - dch v, pht trin mng li ca ngn hng trn cc phng tin truyn thng v lng nghe cc kin phn hi t pha ngi tiu dng, seABank cng tham gia vo rt nhiu cc hot ng h tr cng ng, nh t chc i b quyn gp tin lm t thin, ti tr pht sng cc chng trnh truyn hnh nh: Bn tin Ti chnh pht sng hng ngy trn vTv1, Tm hiu Chng khon pht trn vTv1, vTv3 y u l nhng chng trnh thit thc mang n lng thng tin b ch v kinh t, ti chnh, chng khon cho cng chng v c nh gi rt cao v cht lng thng tin. Cng trong nm 2007, ngn hng tham gia cc hi ch, trin lm c uy tn: Trin lm Ngn hng - Bo him - vin thng, Autotech 2007, Hi ch Made in vietnam, expo 2007 t chc chng trnh i b t thin cho ton th CBNv ca ngn hng trn ton quc, tham gia ti tr nhiu hi ngh, hi tho trong nc v quc t uy tn nh: Hi ngh Thng nh Thng mi & u t AseAN 2007, Hi tho Tin ti hon thin Lut Ngn hng Nh nc vit Nam, Lut Cc t chc tn dng seABank cng ot c nhiu gii thng, bng khen danh gi, trong c gii thng uy tn nh Cu vng 2007 ca Ngn hng Nh nc, gii thng Thng mi dch v hng u - Top Trade services 2007 ca B Cng thng, Qu cu vng 2007

QUAN H cng chng

Ban lnh o SeABank tham gia ng h t thin ti cuc thi i b do SeABank t chc ti H Ni ngy 03/11/2007

Bo co thng nin 2oo7

19

kT QU HOT NG kiNH DOANH NM 2OO7

Vic pht trin, m rng mng li l bc i tt yu, ph hp vi s pht trin khng ngng ca SeABank v vn, sn phm - dch v, cc chnh sch tn dng v huy ng vn thng hiu SeABank c ngy cng nhiu i tng khch hng bit n, lng khch hng thc hin giao dch ti ngn hng lin tc gia tng. chnh v vy, vic m rng quy m, mng li cc chi nhnh, phng giao dch lun c tp trung u t pht trin v s lng cng nh cht lng. Trong nm 2007, seABank m thm c 20 chi nhnh, phng giao dch trn ton quc ti cc a phng, bao nh: Qung Ninh, Bc Ninh, khnh Ha. Trong nhng thng cui nm 2007 tc pht trin mng li ca seABank rt n tng, c 15 chi nhnh, phng giao dch c thnh lp ti cc tnh, thnh ph trng im trn c nc nh: Tp. H Ch Minh, H Ni, Hi Dng, Cn Th, H Ty, Bnh Dng, Nng, vng Tu a tng s im giao dch ca ngn hng ln gn 50 im giao dch ti cc thnh ph ln, trung tm th, khu cng nghip, vng kinh t trng im trn c nc. Trong qu trnh thnh lp cc chi nhnh, im giao dch mi, seABank lun tun th ng cc yu cu ca Ngn hng Nh nc vit Nam.

PHT TriN mng li

L khai trng SeABank Cu Giy ngy 22/02/2007

20

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kT QU HOT NG kiNH DOANH NM 2OO7

c bit, trong nm 2007 seABank trin khai th nghim ko di thi gian giao dch lin tc t 7h30 n 19h00 cc ngy trong tun t th 2 n th 6 ti cc im giao dch ln trn c nc v trin khai trn ton h thng k t u nm 2008. Cc Chi nhnh, Phng giao dch mi thnh lp ca seABank u hot ng rt hiu qu v c cc khch hng tin tng, t thng hiu seABank cng khng ngng vn xa, v tr nn quen thuc vi nhiu i tng khch hng. vi s gia tng khng ngng v s lng im giao dch, cht lng sn phm - dch v v phc v, seABank ang c nhng bc i vng chc tr thnh ngn hng bn l hng u vit Nam, p ng a dng nhu cu ca mi i tng khch hng. c bit, khng ngng nng cao cht lng dch v, ngn hng trin khai nhiu chng trnh thi ua nhm khch l cc chi nhnh hon thnh k hoch ng thi trin khai cng tc nh gi cht lng dch v, cht lng giao dch vin

PHT TriN mng li

L khai trng SeABank Nha Trang ngy 17/8/2007

Bo co thng nin 2oo7

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k HOCH kiNH DOANH NM 2OO8

trong nm 2008, t c nhng ch tiu k hoch m i hi ng c ng thng qua, SeABank s n lc pht huy nhng li th sn c ca mnh v tp trung hon thnh cc nhim v trng tm trong thi gian sp ti nh sau: (1) Xy dng chnh sch khch hng ng b c tnh cht nh hng cho ton h thng nhng vn m bo s pht trin a dng ca tng a phng v s trng kinh doanh ca tng n v, bao gm: (a) nh hng th trng mc tiu ca dch v ngn hng c nhn v dch v ngn hng doanh nghip, (b) Chnh sch tip th v qun l quan h khch hng, (c) Chnh sch phn loi khch hng theo tng nhm c c s iu hnh gi v qun l quan h. (2) Pht trin mng li d kin t 85 im trn ton quc n ht thng 12/2008.

(3) y mnh pht trin cc dch v ngn hng c nhn vi tn sut cao v giao dch. Pht trin c s khch hng i chng thng qua cc knh phn phi v im giao dch mi vi sn phm bn l lm trng tm trong khu tip th v qun l sn phm. Ch trng phn khc khch hng trung lu i vi cc sn phm mua nh, mua xe cng nh dnh s quan tm chm sc c bit cc khch hng c nhn kinh doanh, u t ti sn. C cu khch hng c nhn duy tr mc 55 - 60% cc chi nhnh khu vc v khong 70 - 80% cc phng giao dch. (4) y mnh cc dch v ngn hng doanh nghip. Ch trng cc doanh nghip va v nh, cc doanh nghip nhp khu, cc cng ty ln c doanh s hot ng cao thuc cc ngnh nh xi mng, vt liu xy dng, nhin liu, nguyn liu cng nghip, cc cng ty phn phi hng tiu dng, thc phm, i l t; cc cng ty xut khu h thng cng ngh, than, khong sn, thu sn, cao su, ht iu, thu sn... Tng bc tip th cc cng ty c vn u t nc ngoi trong khu cng nghip, khu ch xut. v c cu, khch hng doanh nghip chim khong 40% cc chi nhnh v 10 - 20% cc phng giao dch. Pht trin mnh cc dch v thanh ton quc t, ti tr xut nhp khu, bo lnh... (5) V qun l v pht trin sn phm: r sot, ban hnh cc quy trnh vn hnh i vi cc sn phm/ dch v ang thc hin v cn nng cp, chun ha hn na cc dch v c th ca seABank. Bn cnh , tp trung pht trin cc sn phm p dng cng ngh v phn mm mi. i vi cc sn phm mi nh th (d kin cui qu i/2008) s l chng trnh u tin trong dch v ngn hng bn l ca ton h thng. (6) Qun l ri ro a) Nng cao nng lc nhn bit, gim st, phng nga v khc phc ri ro tn dng. Tng cng vai tr cnh bo sm bng h thng phn loi n v cc quy nh gim st, thu hi n. b) m bo cc t l an ton trong hot ng kinh doanh. c) a dng ho danh mc tn dung, phn tn ri ro tn dng, ng dng cc k thut qun l ri ro th trng. d) Tng cng kim sot sau T24 v tng bc thit lp h thng qun l ri ro iu hnh.

MC TiU HOT NG kiNh doaNh NM 2008

i Hi ng C ng thng nin Ngn hng TMCP ng Nam nm 2008 ngy 28/3/2008

22

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K HO CH KINH DOANH NM 2OO8

M TS
Tng ti sn Vn iu l Tng huy ng Th trng 1 Th tr ng 2 Tng d n Th trng 1 Th tr ng 2

CH TIU K HO CH N M 2008
n v: t ng

40.000 5.000 31.900 24.000 7.900 27.800 20.000 7.800 Di 0,5% 852 85 im giao dch ton quc 20.000 th 125.000 khch hng

N qu hn t nhm 2 5 Li nhun trc thu Mng li hot ng S lng th ATM pht hnh S lng khch hng qun l

BO CO TH NG NIN 2OO7

23

BO CO TI CHNH 2007

24

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BO CO TI CHNH 2007

THNG TIN V NGN HNG

Gi y php ho t ng Giy php hot ng s 0051/NH-GP ngy 25 thng 03 nm 1994 Giy php hot ng do Ngn hng Nh nc Vit Nam cp Thi hn hot ng ca Ngn hng l 99 nm k t ngy cp giy php u tin.

Thnh vin H i ng Qu n Tr, Ban Ki m sot, Ban T ng Gim c t i th i i m cng b Bo co th ng nin bao g m: H i ng Qu n Tr B Nguyn Th Nga, Ch tch ng Hong Minh Tn, Ph Ch tch ng on Vn Tin, y vin ng Bi Trung Kin, Trng ban B Nguyn Th Ngc Anh, Kim sot vin B Nguyn Th Phng, Kim sot vin ng L Vn Ch, Tng Gim c ng L Tun Anh, Ph Tng Gim c ng Nguyn Mnh Qun, Ph Tng Gim c ng L Quc Long, Ph Tng Gim c S 16 Lng H, Ba nh, H Ni , Vit Nam Cng ty TNHH Dch v T vn Ti chnh K ton v Kim ton (AASC)

Ban Ki m sot

Ban T ng Gim c

Tr s chnh Ki m ton vin

BO CO C A BAN T NG GIM
H Ni, ngy 20 thng 1 nm 2008

Ban T ng Gim c chu trch nhi m l p cc bo co ti chnh trnh by h p l tnh hnh ti chnh c a Ngn hng t i ngy 31/12/2007 v k t qu ho t ng kinh doanh v lu chuy n ti n t c a nin k t thc ngy . Trong vi c so n l p cc bo co ti chnh ny, Ban T ng Gim c c yu c u ph i:

t c ho t ng khng cn thch h p. Chng ti, Ban T ng Gim c chu trch nhi m b o m r ng cc s sch k ton c thi t l p v duy tr m t cch ng n th hi n tnh hnh ti chnh c a Ngn hng v i chnh xc h p l t i m i th i i m v lm c s so n l p cc bo co ti chnh ph h p v i ch k ton c nu Thuy t minh s 2 cho cc bo co ti chnh. Ban T ng Gim c chu trch nhi m b o m vi c tun th cc Chu n m c K ton Vi t Nam v cc qui nh hi n hnh p d ng cho ngn hng v cc t ch c tn d ng khc ho t ng t i n c CHXHCN Vi t Nam. Ban T ng Gim c c ng chu trch nhi m i v i vi c b o v cc ti s n c a Ngn hng v th c hi n cc bi n php h p l ngn ng a v pht hi n cc gian l n v cc vi ph m qui nh khc. PH CHU NCC BO CO TI CHNH Theo y, chng ti ph chu n n i dung cc bo co ti chnh. Cc bo co ti chnh ny trnh by h p l tnh hnh ti chnh c a Ngn hng t i ngy 31 thng 12 nm 2007 v k t qu ho t ng kinh doanh, lu chuy n ti n t c a Ngn hng cho nin k t thc vo th i i m , ph h p v i cc Chu n m c ton Vi t Nam v cc qui nh K hi n hnh p d ng cho ngn hng v cc t ch c tn d ng khc ho t ng t i n c CHXHCN t Nam. Vi Thay m t Ban T ng Gim c,

L VN CH T ng Gim c

BO CO TH NG NIN 2OO7

25

BO CO Ti CHNH 2007 s: 196 /2008/BC.TC-AAsC.kT2

Bo Co kiM toN
V bo co ti chnh cho nm ti chnh kt thc ngy 31/12/2007 ca Ngn hng Thng mi C phn ng Nam Knh gi: Ban Tng Gim c Ngn hng Thng mi C phn ng Nam Chng ti kim ton cc bo co ti chnh ca Ngn hng Thng mi C phn ng Nam (Ngn hng) gm: Bng cn i k ton ti ngy 31/12/2007, bo co kt qu hot ng kinh doanh, bo co lu chuyn tin t ca nm ti chnh kt thc vo ngy nu trn v bng tm tt cc chnh sch k ton ch yu cng cc thuyt minh bo co ti chnh km theo. vic lp v trnh by bo co ti chnh ny thuc trch nhim ca Ngn hng. Trch nhim ca chng ti l a ra kin v cc bo co ny cn c trn kt qu kim ton ca chng ti. C s kin Chng ti thc hin cng vic kim ton theo cc Chun mc kim ton vit Nam v cc Chun mc kim ton Quc t c chp nhn ti vit Nam. Cc chun mc ny yu cu cng vic kim ton phi c lp k hoch v thc hin c s m bo hp l rng cc bo co ti chnh khng cn cha ng cc sai st trng yu. Chng ti thc hin vic kim tra theo phng php chn mu v p dng cc th nghim cn thit, cc bng chng xc minh nhng thng tin trong bo co ti chnh; nh gi vic tun th cc chun mc v ch k ton hin hnh, cc nguyn tc v phng php k ton c p dng, cc c tnh v xt on quan trng ca ban lnh o Ngn hng cng nh cch trnh by tng qut cc bo co ti chnh. Chng ti cho rng cng vic kim ton ca chng ti a ra nhng c s hp l lm cn c cho kin ca chng ti. kin ca kim ton vin Theo kin ca chng ti, Bo co ti chnh phn nh trung thc v hp l trn cc kha cnh trng yu v tnh hnh ti chnh ca Ngn hng Thng mi C phn ng Nam ti ngy 31/12/2007, cng nh kt qu kinh doanh v cc dng lu chuyn tin t ca Ngn hng trong nin kt thc vo ngy nu trn, ph hp vi cc Chun mc k ton vit Nam v cc quy nh hin hnh p dng cho cc ngn hng v cc t chc tn dng khc hot ng ti nc CHXHCN vit Nam.

H Ni, ngy 20 thng 3 nm 2008 CNG TY TNHH DCH v T vN Ti CHNH k TON v kiM TON Ph Tng Gim c kim ton vin

NGUYN THANH TNG Chng ch KTV s: D0063/KTV

PHM ANH TUN Chng ch KTV s: 0777/KTV

26

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BO CO TI CHNH 2007

B NG CN I K TO N
n v: VND STT A I II III 1 2 3 IV 1 2 V VI 1 2 VII 1 2 3 VIII 1 2 3 4 5 IX 1 Ti s n T Ti n m t, vng b c qu Ti n g i t i Ngn hng Nh n c T Ti n, vng g i t i ccTCTD khc v cho vay cc TCTD khc Ti n, vng g i t i cc TCTD khc Cho vay cc t ch c tn d ng khc D phng r i ro cho vay cc TCTD khc Ch ng khon kinh doanh Ch ng khon kinh doanh D phng gi m gi ch ng khon kinh doanh Cc cng c ti chnh phi sinh v cc ti s n ti chnh khc Cho vay khch hng Cho vay khch hng D phng r i ro cho vay khch hng Ch Ch Ch D ng khon u t ng khon u t gi s n sng bn ng khon u t gi n ngy o h n phng gi m gi ch ng khon u t 7 8 9 3 4 5 119.369.487.964 511.669.044.400 8.584.976.686.661 8.584.976.686.661 759.110.424.667 759.110.424.667 10.994.812.441.436 11.041.087.365.182 (46.274.923.746) 3.968.000.000.000 1.820.000.000.000 2.148.000.000.000 44.900.000.000 44.900.000.000 65.056.184.339 29.260.451.760 41.404.959.632 (12.144.507.872) 35.795.732.579 39.403.258.830 (3.607.526.251) 72.765.233.614 214.771.997.907 3.317.688.433.120 3.317.688.433.120 263.488.000.000 263.488.000.000 3.353.998.641.372 3.363.048.538.661 (9.049.897.289) 2.040.000.000.000 250.000.000.000 1.790.000.000.000 27.500.000.000 27.500.000.000 32.655.350.953 24.700.201.584 31.388.963.985 (6.688.762.401) 7.937.201.300 10.600.404.000 (2.663.202.700) 17.948.069 Ch tiu Ghi ch 31/12/2007 01/01/2007

Gp v n, u t di h n u t vo cng ty con Gp v n lin doanh u t vo cng ty lin k t u t di h n khc D phng gi m gi u t di h n Ti s n c nh Ti s n c nh h u hnh - Nguyn gi - Gi tr hao mn ly k Ti s n c nh thu ti chnh - Nguyn gi - Gi tr hao mn ly k Ti s n c nh v hnh - Nguyn gi - Gi tr hao mn ly k Ti s n khc B t ng s n u t - Nguyn gi - Gi tr hao mn ly k

10

11

12

4 X

BO CO TH NG NIN 2OO7

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BO CO TI CHNH 2007

B NG CN I K TO N
n v: VND STT XI 1 2 3 4 5 B I II 1 2 III IV V VI VII 1 2 3 4 5 Ch tiu Ti s n C khc Cc kho n ph i thu Cc kho n li, ph ph i thu Ti s n thu TNDN hon l i Ti s n C khc D phng r i ro cho ti s n C n i b ng khc T ng ti s n C N ph i tr v v n ch s h u Cc kho n n Chnh ph v Ngn hng Nh n c Ti n g i v vay cc t ch c tn d ng khc Ti n g i c a cc t ch c tn d ng khc Vay cc t ch c tn d ng khc T Ti n g i c a khch hng Cc cng c ti chnh phi sinh v cc kho n n ti chnh khc V n ti tr , u thc u t, cho vay TCTD chu r i ro Pht hnh gi y t c gi Cc kho n n khc Cc kho n li, ph ph i tr Thu thu nh p doanh nghi p hon l i ph i tr Cc kho n ph i tr v cng n khc D phng r i ro khc (D phng cho cng n ti m n v cam k t ngo i b ng) Ti s n n khc T ng n ph i tr VIII 1 V n v cc qu V n c a t ch c tn d ng - V n i u l - V n u t xy d ng c b n - Thng d vn c phn - C phiu qu - C phiu u i - V n khc Qu c a t ch c tn d ng Chnh l ch t gi h i oi Chnh l ch nh gi l i ti s n L i nhu n cha phn ph i/L lu k T ng n ph i tr v v n ch s h u 19 16 17 18 14 9.504.696.433.766 9.504.696.433.766 10.744.177.803.665 30.000.000 2.000.000.000.000 625.724.989.388 212.096.353.321 413.628.636.067 22.874.629.226.819 3.366.458.339.607 3.046.300.859.081 3.000.000.000.000 32.300.000 46.245.957.081 22.602.000 21.309.823.337 298.847.657.189 26.241.087.566.426 4.834.293.686.879 4.633.004.186.879 201.289.500.000 3.511.683.088.735 798.904.238.310 98.197.609.397 83.561.923.691 617.144.705.222 9.144.881.013.924 1.055.536.446.993 950.054.902.000 500.000.000.000 32.300.000 450.000.000.000 22.602.000 6.989.965.557 98.491.579.436 10.200.417.460.917 Ghi ch 13 31/12/2007 1.193.193.296.959 854.808.954.073 298.793.230.824 39.591.112.062 26.241.087.566.426 01/01/2007 877.549.803.951 129.371.869.440 133.208.298.724 614.969.635.787 10.200.417.460.917

15

2 3 4 5

28

BO CO TH NG NIN 2OO7

BO CO TI CHNH 2007

CC CH TIU NGOI B NG CN I K TO N
n v: VND STT I 1 2 3 II 1 2 Ch tiu Ngha v n ti m n B o lnh vay v n Cam k t trong nghi p v L/C B o lnh khc Cc cam k t a ra Cam k t ti tr cho khch hng Cam k t khc Ghi ch S cui k S u k

861.429.417.493 132.892.786.856 23.061.857.730

2.000.000.000 196.903.988.816 47.597.519.386 -

H Ni, ngy 20 thng 01 nm 2008

Ng i l p

K ton tr ng

T ng Gim c

TR N THU HUY N

BI TH THANH H NG

L VN CH

BO CO TH NG NIN 2OO7

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BO CO TI CHNH 2007

BO CO K T QU HO T NG KINH DOANH
cho nm ti chnh kt thc ti ngy 31/12/2007 n v: VND STT 1 2 I 3 4 II III IV V 5 6 VI VII VIII IX X XI 7 8 XII XIII XIV XV Ch tiu Thu nh p li v cc kho n thu nh p tng t Chi ph li v cc chi ph tng t Thu nh p li thu n Thu nh p t ho t ng dch v Chi ph ho t ng dch v Li/ l thu n t ho t ng dch v Li/ l thu n t ho t ng kinh doanh ngo i h i Li/ l thu n t mua bn ch ng khon kinh doanh Li/ l thu n t mua bn ch ng khon u t Thu nh p t ho t ng khc Chi ph ho t ng khc Li/ l thu n t ho t ng khc Thu nh p t gp v n, mua c ph n Chi ph ho t ng L i nhu n thu n t ho t ng kinh doanh tr c chi ph d phng r i ro tn d ng Chi ph d phng r i ro tn d ng T ng l i nhu n tr c thu Chi ph thu thu nh p doanh nghi p hi n hnh Chi ph thu thu nh p doanh nghi p hon l i Chi ph thu thu nh p doanh nghi p L i nhu n sau thu Li c b n trn c phi u T l tr c t c 28 25 26 27 22 23 24 Ghi ch 20 21 Nm 2007 1.474.716.936.909 1.005.701.966.868 469.014.970.041 10.810.170.750 4.118.124.284 6.692.046.466 1.421.051.405 27.523.621.369 28.241.252 6.592.641 21.648.611 47.659.392.000 103.920.782.320 448.411.947.572 39.657.742.810 408.754.204.762 109.906.547.573 109.906.547.573 298.847.657.189 2.098 17,24% Nm2006 595.310.858.980 419.164.297.533 176.146.561.447 10.662.173.051 2.425.809.808 8.236.363.243 (12.985.937.900) 24.442.500.837 6.826.616 6.826.616 52.126.086.728 143.720.227.515 6.843.228.865 136.876.998.650 38.325.559.622 38.325.559.622 98.551.439.028 2.638 20,82%

H Ni, ngy 20 thng 01 nm 2008 Ng i l p K ton tr ng T ng Gim c

TR N THU HUY N

BI TH THANH H NG

L VN CH

30

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M NG L

INGN HNG IL

USA Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC Woori Bank HSBC Bank U.S.A Bank of Nova Scotia Rabobank International American Express Bank Far East National National City Bank Cleveland ARGENTINA Wachovia Bank Citibank, NA American Express Bank AUSTRALIA Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC Commonwealth Bank American Express Bank BAHRAIN Wachovia Bank Citibank, NA Korea Exchange Bank Woori Bank American Express Bank BANGLADESH Citibank, NA Woori Bank American Express Bank BRAZIL Wachovia Bank Citibank, NA Korea Exchange Bank American Express Bank BELGIUM Fortis Bank BNP Paribas Commerzbank CAMBODIA Canadia Bank Plc CANADA Wachovia Bank Citibank, NA Korea Exchange Bank Bank of Nova Scotia American Express Bank CHILE Wachovia Bank American Express Bank CHINA Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC

Woori Bank Bank of Nova Scotia American Express Bank China Everbright Bank Co.,LTD DNB Nor Bank ASA EGYPT Wachovia Bank Citibank, NA Korea Exchange Bank American Express Bank FRANCE Wachovia Bank Citibank, NA Korea Exchange Bank BNP Paribas American Express Bank Intesa SanPaolo S.P.A Commerzbank GERMANY Wachovia Bank Citibank, NA Korea Exchange Bank BHF Bank Dustche Bank American Express Bank Intesa SanPaolo S.P.A Bayerische Hypo-UND Vereinsbank AG BNP Paribas Commerzbank HONGKONG Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC Woori Bank Bank of Novascotia American Express bank BNP Paribas HSBC INDIA Wachovia Bank Citibank, NA Bank of Nova Scotia American Express Bank Indonesia Wachovia Bank Citibank, NA Korea Exchange Bank Woori Bank OCBC IRELAND Citibank, NA Korea Exchange Bank ITALY Wachovia Bank Citibank, NA Iccrea Banca Korea Exchange Bank Credito Cooperativo Intesa SanPaolo S.P.A Banca Apuana Bayerische Hypo-UND Vereinsbank AG

BNP Paribas Commerzbank Unicredito Italiano S.P.A JAPAN Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC Woori Bank Bank of Nova Scotia American Express Bank Bayerische Hypo-UND Vereinsbank AG BNP Paribas KOREA Wachovia Bank Citibank, NA Korea Exchange Bank Mizhuho Corporate Bank, LTD OCBC Woori Bank Bank of Nova Scotia American Express Bank BNP Paribas MALAYSIA Wachovia Bank Citibank, NA Bank of Nova Scotia BNP Paribas American Express Bank Mexico Wachovia Bank Citibank, NA BNP Paribas NETHERLAND Citibank, NA Banque Artesia Nederland N.V Korea Exchange Bank Fortis Bank (Nederland) N.V Intesa SanPaolo S.P.A BNP Paribas Commerzbank PANAMA Citibank, NA Korea Exchange Bank Bank of Nova Scotia Philipines Wachovia Bank Citibank, NA Korea Exchange Bank DNB Nor Bank ASA RUSSIA Wachovia Bank Citibank, NA Woori Bank Intesa SanPaolo S.P.A SINGAPORE Fortis Bank CitiBank OCBC Bank of Nova Scotia American Express Bank Bayerische Hypo-UND Vereinsbank AG

BNP Paribas DNB Nor Bank ASA Fortis Bank South Africa Wachovia Bank Citibank, NA Banco Bilbao Vizcaya Argentaria S.A. BNP Paribas SPAIN Citibank Banco De Sabadell Intesa SanPaolo S.P.A Caja De Ahorros Commerzbank Taiwan Wachovia Bank Citibank, NA Mizhuho Corporate Bank, LTD OCBC Bank of Nova Scotia American Express Bank BNP Paribas DNB Nor Bank ASA THAILAND Wachovia Bank Citibank, NA Bangkok Bank Plc Mizhuho Corporate Bank, LTD OCBC American Express Bank BNP Paribas Thanachart Bank TURKEY Wachovia Bank Intesa SanPaolo S.P.A BNP Paribas Commerzbank UNITED KINGDOM BNP Paribas OCBC Woori Bank Standard Chartered Bank American Express Bank Intesa SanPaolo S.P.A Korea Exchange Bank Mizhuho Corporate Bank, LTD Wachovia Bank Citibank, NA Commerzbank VIET NAM An Binh Joint Stock Bank Bank of China ANZ Bank Industrial & Commercial Bank of Vietnam Bank For Investment and Development of Vietnam Vietnam Technological & Commercial Joint Stock Bank HSBC Military Commercial Joint Stock Bank Bank for Foreign Trade of Vietnam

BO CO TH NG NIN 2OO7

31

16 Lng H , Ba nh, H N i Tel: 04. 7723616 Fax: 04. 7723615

H IS

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