Annual Report 2013 TV (BCTC) View

Tng quan v TPBank
Hot ng ngn hng

K hoch kinh doanh 2014
Qun tr ngn hng
Bo co ca Ban iu hnh v Ban T
chc c kim ton
H thng mng li
Danh sch Ngn hng lin kt
04-25
26-35
36-37
38-41
42-65
66-67
68-69
03
TNG QUAN
V TPBANK
Mc lc
THNG IP CA CH TCH HQT
S KIN NI BT
HI NG QUN TR
Y VIN HI NG QUN TR
BAN KIM SOT
BAN IU HNH
S T CHC
06-07
08-11
12-13
14-15
16-17
18-23
24-25
BO CO THNG NIN 2013
04 05 www.tpb.vn
THNG IP
CH TCH HQT
Tha Qu v,
Nm 2013 nh du chng ng 5 nm TPBank bc
chn vo th trng ti chnh, si ng nhng cng y
cnh tranh khc lit. Nm 2013 cng l mt nm cc k
kh khn thch thc vi ngnh Ti chnh Ngn hng trong
bi cnh nn kinh t th gii v Vit Nam phi vt ln vn
ln sau khng hong.
Vt qua kh khn l mt cam go th thch, nhng
qun tr v pht trin TPBank nhanh chng v vng chc l
mt thch thc ln hn nhiu.
Do ra i trong khng hong, ngay sau li phi ti c cu,
TPBank tch ly c nhng Bi hc v Kinh nghim qu
gi. Bng s u t, h tr c lc ca cc c ng, cng
vi s ch o quyt lit, st sao ca HQT, s n lc khng
ngng ngh ca Ban iu hnh, ton th CBNV v s quan
tm, ch o h tr ca NHNN, TPBank hon thnh trc
thi hn 2 nm n T ti c cu. Hot ng ca Ngn
hng ang dn i vo qu o n nh, an ton.
Kt thc nm 2013, TPBank t c bc pht trin
ngon mc, gt hi nhiu thnh cng, tng ti sn tng gp
2 ln so vi nm 2012, li nhun t 381 t vt 21% k
hoch ra, s lng khch hng t ti 245.000 gp 3
ln so vi thi im ti c cu, t l n xu gim t 6,4%
xung ch cn 1,97%, s CBNV ln ti gn 1.200 ngi
tng gn gp i so vi thi im thng 04/2012. TPBank
ly c nim tin v c nh gi cao ca cng ng
cc Ngn hng TMCP, ca khch hng t cc Tp on, Tng
cng ty ln n cc n v v Khch hng C nhn. C th
ni, TPBank vt ln kh khn thch thc, ln mnh,
da thm tht tng ngy, TPBank to c nn tng
vng chc hng ti mc tiu tr thnh 1 trong 15 ngn
hng hng u Vit Nam.
HQT lun st cnh vi Ban iu hnh, thng xuyn bm
st hot ng ca Ngn hng trong tng thi im, tng
hon cnh ca nn kinh t a ra nhng quyt sch hp
l, nm bt c hi to t ph trong nhng lnh vc c
coi l mi nhn ca TPBank: Kinh doanh vng, Ti tr cc
doanh nghip cng ngh cao, Phc v lnh vc cng nghip
ph tr v Pht trin dch v Ngn hng in t v Khch
hng u tin.
Song song vi nhim v y mnh hot ng kinh doanh,
nm 2013 TPBank hon thin cng tc qun tr ni b,
m hnh t chc, hon thin tt c cc quy ch, quy trnh
nghip v.
Vi thnh cng ca nm 2013, HQT TPBank xc nh
nm 2014 s l nm bn l quan trng vi chin lc tng
cng mnh m nng lc v hiu qu kinh doanh, ci tin
cng ngh v cht lng dch v tt nht, to ra nhng sn
phm khc bit trn th trng. TPBank cng t t ra th
thch ln hn vi k hoch tng trng li nhun 15%, tng
ti sn t mc 50 ngn t ng, lng khch hng tng
gn gp i, tip tc kim sot cht ch cht lng ti sn
v n xu.
TPBank thay i thng hiu v nhn din mi vi mu
Tm ca s tin cy, trung thnh v mu Cam nhit huyt, tr
trung, thn thin v y bn sc. Vi tuyn ngn thng
hiu V chng ti hiu bn - Hiu s chia, hiu cng
ng hnh, hiu n tn cng mi nhu cu v vng mc ca
khch hng sng to ra nhng sn phm dch v ph hp
v tt nht, em li gi tr gia tng cao nht cho khch hng.
chnh l nn tng TPBank pht trin bn vng lu di.
Vi nim tin vo con ng pht trin c vch ra,
TPBank chc chn s tip tc vt qua kh khn th thch
chinh phc nhng mc tiu chin lc v vn ti nhng
tm cao mi.
Trn trng,
ng Minh Ph - Ch tch HQT
Minh Ph
Ch tch HQT
BO CO THNG NIN 2013
06 07 www.tpb.vn
S KIN
NI BT
Phong cch mi trong vn
ha phc v khch hng
Nhn din thng hiu mi,
khc bit v chuyn nghip
Mng li m rng, ting tt
vn xa
i hi thnh cng,
m chn tri mi
Nhn s cht lng,
b phng thnh cng
Kinh doanh vt tri,
thnh cng hn mong i
04
06
05
01 03
02
Ngy 12/4/2013, TPBank t chc thnh cng i hi c
ng nhim k 2013 - 2018. i hi nht tr v thng
qua nhiu chin lc quan trng cho giai on 5 nm tip
theo 2013 - 2018 vi mc tiu tr thnh ngn hng c li
nhun 1.000 t VND v lt vo top 15 ngn hng hng u
Vit Nam.
ng Minh Ph tip tc m nhim v tr Ch tch HQT
TPBank nhim k 2013 - 2018 vi s phiu bu tuyt i.
Nm 2013 c xc nh l nm bn l, l bc ngot quan
trng TPBank thc hin chin lc 5 nm tip theo - giai
on bt ph, pht trin nhanh v mnh m.
Nhm vn hnh hiu qu, ti u ha b my, tp trung
ngun lc pht trin cc lnh vc ct li nng cao hiu
qu hot ng kinh doanh, nm 2013, TPBank thc hin
vic kin ton s t chc, chc nng nhim v ca cc
khi, phng ban, trung tm thuc Hi s chnh theo hng
tinh gin, gn nh, tng cng kh nng hp tc, phi hp,
rt ngn thi gian tc nghip v nng cao cht lng dch
v khch hng. Bn cnh vic xy dng h thng nn tng,
c s h tr ca HQT, TPBank cng xy dng c
cc Gi tr ct li Lim - Sng - Hon - Hp - Bn truyn
thng v gio dc nng cao o c ngh nghip cho CBNV
ca Ngn hng.
Nm 2013 cng l nm TPBank t c nhng thnh tch
ng ghi nhn trong vic thu ht nhn ti t cc ngun
khc nhau pht trin t chc n mt qui m ln hn vi
1.183 CBNV - tng trng hn 44% so vi nm 2012.
Ngy 31/7/2013, TPBank chnh thc ra mt Gii php cng
ngh eCounter - eGold v Th tiu dng a tin ch. y l
m hnh dch v tip cn khch hng hon ton mi, tn tin
nht, chu o nht, chm cht tng chi tit mi nhu cu ca
khch hng, to nn mt phong cch mi trong vn ha phc
v khch hng.
Bng cng ngh nh danh khng tip xc tm xa (Wide range
contactless RF identification), h thng TPBank c kh nng
nhn bit ngay khi khch hng bc vo phng giao dch,
cng lc bo cho giao dch vin v Gim c dch v khch
hng n tip khch hng chu o v m bo cht lng
dch v tt nht.
Mt thnh phn quan trng ca gii php ny l h thng xp
hng thng minh c o do i ng chuyn gia cng ngh
thng tin ca TPBank t pht trin, hon ton t ng khng
cn ly s, tch hp vi ng dng giao dch ca h thng Core
Banking, m bo tt c khch hng c phc v nhanh
nht, chnh xc nht, ng thi m bo u tin cho khch
t hn trc cng nh cc Khch hng Cao cp.
H thng cng c thit k ti u cho my tnh bng
vi mn hnh cm ng a im, kt ni khng dy, ng
thi tch hp cng ngh bo mt bng vn tay, u c m
vch v cng ngh khng tip xc tm xa. TPBank cng t
pht trin h thng my ng k dch v (Service Booking)
v quy giao dch t phc v (Self Service) vi thit k giao
din thn thin, d dng, ph hp vi mi i tng khch
hng, gip khch hng c nhng tri nghim cha tng c,
ty chn c phc v theo cch truyn thng hoc t
thc hin quy trnh mua vng, rt tin, gi tin vo ti
khon, ti u ha cc giao dch ln.
c bit, thun tin ti a khi giao dch, khch hng c th
ty chn xc thc bng vn tay thay cho vic phi nhp mt
khu hay m s token ngu nhin. Thm vo , vic ng
dng m vch a chiu QR code gip gin tin th tc, y
nhanh tc giao dch, hn ch sai st nhp d liu, m bo
s an ton, bo mt v phng chng gi mo, gian ln.
M hnh giao dch mi ca TPBank c thit k ti u cho
vic s dng Th tiu dng a tin ch. Tm th ny tch hp
chc nng ca c ba loi Th: Th ATM thng thng, Th
khch hng thn thit v Th nhn din khch hng vi cng
ngh khng tip xc (contactless). Khch hng cn c ty
chn in nh c nhn ln th nu c nhu cu.
Thng 12/2013, Ngn hng Nh nc Vit Nam (NHNN)
chp thun cho TPBank m mi 3 chi nhnh ti H Ni, TP. H
Ch Minh v Bnh Dng.
TPBank l ngn hng u tin c m chi nhnh ti H Ni
v TP. H Ch Minh k t khi Thng t s 21/2013/TT-NHNN
quy nh v mng li hot ng ca ngn hng thng mi
c hiu lc. Ba chi nhnh mi c thnh lp s gip TPBank
m rng mng li hot ng phc v khch hng tt hn,
hiu qu hn. S kin ny cho thy Ngn hng Nh nc
c nhng nh gi tch cc v nng lc qun tr iu hnh
cng nh kt qu kinh doanh kh quan ca TPBank trong thi
gian qua.
Ngy 10/12/2013, ti H Ni, Ngn hng TMCP Tin Phong
(TienPhong Bank) long trng t chc L ra mt nhn din
thng hiu mi v L n nhn bng khen ca Th tng
Chnh ph v thnh tch xut sc trong cng tc ti c cu.
S kin ny ghi du n quan trng trong chng ng 5 nm
pht trin ca Ngn hng.
TienPhong Bank c i thnh TPBank. TPBank s dng
mu tm ca sng to, s tin cy v mu cam thn thin, tr
trung y nhit huyt cho thng hiu ca mnh.
Biu tng ca TPBank l mt ng xon bt tn hnh tam
gic, cch iu nh mt vin kim cng c mi da tinh
xo; th hin thng ip v mt ngn hng lun vn ng
pht trin khng ngng da trn nn tng minh bch, bn
vng v sng to, ly khch hng lm trng tm theo ng
tuyn ngn thng hiu ca TPBank: V chng ti hiu bn.
Hiu s chia, hiu cng ng hnh, hiu n tn cng
mi nhu cu v vng mc ca khch hng sng to ra
nhng sn phm dch v tt nht v ph hp nht em li
nhng gi tr gia tng cao nht cho khch hng. chnh l
nn tng TPBank pht trin bn vng lu di.
n 31/12/2013, TPBank t 381 t ng li nhun. c
bit, vn huy ng dn c tng thun trn 55% so vi cng
k nm trc, tng trng tn dng tng trn 90% so vi
2012, n xu gim xung di 2%.
n 31/12/2013, c s khch hng ca TPBank cn mc
245 nghn khch hng, tng gp 3 ln so vi nm 2012,
lng khch hng s dng a dch v v t l ti khon hot
ng tng ng k. iu ny cho thy TPBank ngy cng
n gn hn vi khch hng, c khch hng tin tng gi
gm ti sn v tm kim cc gii php ti chnh ph hp.
BO CO THNG NIN 2013
08 09 www.tpb.vn
Ti c cu thnh cng, in
hnh tiu biu ca ngnh
ngn hng
Nhn bng khen ca Th
tng, n lc vt bc c
ghi nhn 07 08
TPBank c coi l in hnh trong cng tc t ti c cu,
vt qua kh khn n nh pht trin trong bi cnh
khng hong kinh t giai on va qua. T thng 7/2012,
sau khi phng n ti c cu TPBank c Ngn hng Nh
nc chp thun n nay, TPBank t c nhiu thnh
qu ni bt. Ngn hng nhanh chng kin ton b my
t chc, pht trin m hnh qun tr iu hnh hin i v
chuyn nghip. Vn iu l ca TPBank tng t 3.000 t
ln 5.550 t ng, tng ti sn tng hn hai ln. K t khi
ti c cu n nay, Ngn hng to ra gn 500 t ng li
nhun. c bit vn huy ng dn c tng 2 ln, tng trng
tn dng gp i, n xu gim t 6,4% xung di 2%. S
lng khch hng ca TPBank tng gp 3 ln, gn 400 nhn
s cht lng cao c tuyn mi, h thng mng li Ngn
hng khang trang chuyn nghip hn, cht lng dch v
c ci thin v c khch hng nh gi cao.
Vi n lc xut sc trong cng tc t ti c cu, TPBank v
c nhn ng Minh Ph - Ch tch HQT - vinh d c
Th tng Chnh ph tng Bng khen do c nhiu thnh
tch xut sc trong vic trin khai thc hin n C cu
li h thng cc T chc tn dng giai on 2011 - 2015.
Thng c NHNN Vit Nam cng quyt nh trao tng bng
khen cho cc Ph Ch tch HQT - ng L Quang Tin, ng
Anh T, Tng Gim c - ng Nguyn Hng, Gim c Ti
chnh - B Bi Th Thanh Hng, v mt s tp th, c nhn
TPBank c thnh tch xut sc trong vic trin khai thc
hin n C cu li h thng cc T chc tn dng giai
on 2011 - 2015.
Trong nm 2013, TPBank cng vinh d c cc t chc,
cng ng, x hi trao nhiu gii thng uy tn.
BO CO THNG NIN 2013
10 11 www.tpb.vn
HI NG
QUN TR
ng Minh Ph hin l Ch tch HQT kim Tng Gim c Tp on Vng bc qu
DOJI, mt tp on c tim lc ti chnh mnh. ng Ph tng m nhim nhiu v tr quan
trng nh Ch tch HQT Cng ty C phn Vng bc qu SJC H Ni, Ch tch HQT
Cng ty C phn Vng bc qu SJC Nng, Ch tch Hi ng Qun tr Cng ty C
phn Diana, Ph Ch tch Hip hi Kinh doanh Vng Vit Nam, i s ca Hip hi qu
quc t ti Vit Nam, Ph Ch tch Din n Doanh nghip Vit Nam - Hoa K.
ng Ph l C nhn i hc Bch Khoa H Ni, khoa V tuyn in t.
ng Minh Ph
Ch tch Hi ng Qun tr
ng Anh T hin l Tng gim c Cng ty c phn Diana. ng T cng anh trai,
ng Minh Ph, l nhng ngi sng lp v xy dng cng ty Diana. Trong nm 2011,
thng v mua bn c phn Diana vi t chc Unicharm ca Nht Bn c nh gi l
thng v nh m ca Chu v mua bn, sp nhp (M&A) do tp ch Asia Asset bnh chn.
ng T bo v thnh cng Lun n Ph Tin s ti i hc K thut Praha, Cng ha Sc.
ng Anh T
Ph Ch tch Hi ng Qun tr
ng L Quang Tin l c ng sng lp ca Ngn hng Tin Phong v l mt chuyn gia
ti chnh cp cao. ng Tin tng l Gim c Ti chnh ca tp on FPT t ngy thnh
lp, t nn tng cho h thng qun tr ti chnh FPT. ng Tin nguyn l Ph Ch tch
HQT Tp on FPT v hin l thnh vin Hi ng sng lp FPT.
ng Tin tt nghip khoa Vt l, i hc Tng hp Kishinhov (Cng ha Moldova) v khoa
Qun tr Kinh doanh Cao cp ti i hc Amos Tuck (Hoa K).
ng L Quang Tin
BO CO THNG NIN 2013
12 13 www.tpb.vn
Y VIN
HI NG QUN TR
B Nguyn Thu H hin l thnh vin HQT c lp ca Cng ty C phn dch v th
Smartlink. Trc y, b H tng m nhn cc v tr quan trng nh Ph Tng Gim c
Ngn hng Ngoi thng Vit Nam, Ch tch Cng ty chng khon Vietcombank (VCBS),
Ch tch hi Th Ngn hng Vit Nam thuc Hip hi ngn hng Vit Nam.
B H l Thc s Qun tr kinh doanh, i hc Georgetown, Washington DC, Hoa K.
ng Phan Tun Anh hin l thnh vin HQT Cng ty c phn u t quc t VNPT. ng
cng l Trng Ban kim sot ni b Cng ty Thng tin di ng, VMS - Mobifone.
ng Phan Tun Anh l Thc s Kinh t, i hc Kinh t quc dn H Ni.
ng Phm Cng T c bu vo HQT Ngn hng TMCP Tin Phong t cui nm 2007
thi im tr b thnh lp Ngn hng. ng T l chuyn gia cao cp trong lnh vc ti chnh
v bo him. Hin nay, ng ang l Tng Gim c Tng cng ty Bo him Vit Nam (Vinare).
ng T l Thc s Qun tr kinh doanh, Hc vin Kinh doanh, Vng quc B v C nhn Ti
chnh k ton, i hc Ti chnh k ton, H Ni.
ng Kenichi Abe c bu vo HQT Ngn hng TMCP Tin Phong thng 04/2011. ng
Abe hin ang l Trng Vn phng i din ti H Ni ca Tp on SBI Holdings, Inc. tp
on ti chnh hng u ca Nht Bn. Trc , ng Abe cng m nhim cc chc v
Gim c Ban u t Nc ngoi ca SBI Holdings, Inc. Trng phng, Phng u t, Cng
ty Hikari, P.E., Inc. v Chuyn vin u t, Vn phng Tng Gim c, Cng ty Rakuten.
Vi kinh nghim qun tr tin tin v hin i ca Nht Bn, ng Abe cng Tp on SBI
Holding, Inc hin ang h tr tch cc cho Ngn hng Tin Phong trong vic xy dng v
thc hin chin lc pht trin Ngn hng.
ng Abe tt nghip Khoa Kinh t, i hc Soka, Nht Bn.
B Nguyn Thu H
y vin Hi ng Qun tr c lp
ng Phan Tun Anh
y vin Hi ng Qun tr
ng Phm Cng T
Thnh vin Hi ng Qun tr
ng Kenichi Abe
y vin Hi ng Qun tr
ng Megumu Motohisa gia nhp TPBank k t thng 05/2012 vi chc danh Gim c
Khi Kinh doanh c th - PTG. Hin ng l Ph Ch tch HQT Ngn hng Tin Phong.
Trc khi gia nhp TPBank, ng Motohisa c hn 25 nm kinh nghim trong lnh vc ti
chnh chng khon ca Nht Bn, Thi Lan. ng tng gi v tr ch cht nh Gim c
iu hnh, Tng Gim c v Ch tch ca cc cng ty Matsui Securities, Handson Create
Company, Unimat Yamamaru Securities. c bit, ng ng gp rt ln vo s pht
trin ca Matsui Securities, mt trong nhng cng ty chng khon trc tuyn ni ting
ti Nht Bn. Hin ti, ng Motohisa cng l Gim st trng ca Tp on Ti chnh SBI
Holdings ti Vit Nam.
ng tt nghip C nhn trng i hc Tokyo, Nht Bn v l Thc s Qun tr kinh
doanh ti trng Boston University, Hoa K. Ngoi ra, ng Motohisa cn l thnh vin ca
Hip hi chng khon ti Nht Bn v thnh vin ca Hip hi k ton ti Washington, Hoa K
vi chng ch CPA.
ng Megumu Motohisa
BO CO THNG NIN 2013
14 15 www.tpb.vn
BAN KIM SOT
B Nguyn Th Bo l C vn cao cp HQT Ngn hng TMCP Tin Phong t thng
04/2012. Trc y b tng m nhim nhiu v tr quan trng nh Ph Gim c S
giao dch Ngn hng Ngoi thng Vit Nam, Trng phng Thm nh u t v chng
khon Ngn hng Ngoi thng Vit Nam.
B Nguyn Th Bo l Thc s Qun tr kinh doanh, Trng i hc T do Bruxelle, Vng
quc B.
B Nguyn L Hng hin l Chuyn vin cao cp - Vn phng i din Cng ty c phn
tp on SBI Holdings, Inc. ti H Ni. Trc y b Hng tng l chuyn vin phn tch
chng khon, ti chnh doanh nghip v th trng ti chnh Vit Nam - Cng ty Vietnam
Partners LLC.
B Hng l Thc s Qun tr Kinh doanh, Trng i hc Ohio, Fisher College of Business,
Hoa K.
ng Thi Duy Ngha gia nhp Ngn hng TMCP Tin Phong t thng 06/2008 v tng
m nhn nhiu v tr: Trng phng KSNB v Qun l cht lng, Trng phng Kim
sot trc tip, Ph trng ban KTNB. Hin ti ng ang l Ph phng Kim ton Mng li
bn hng v Knh phn phi, Trung tm KTNB, Ngn hng Tin Phong.
ng Ngha tt nghip khoa Ti chnh, Tn dng, Hc vin Ngn hng.
B Nguyn Th Bo
Trng Ban Kim sot
B Nguyn L Hng
y vin Ban Kim sot
ng Thi Duy Ngha
y vin Ban Kim sot
BO CO THNG NIN 2013
16 17 www.tpb.vn
BAN IU HNH
ng Nguyn Hng c b nhim lm Tng Gim c Ngn hng TMCP Tin Phong t
ngy 04/07/2012. ng Hng c hn 20 nm kinh nghim lm vic trong lnh vc Ti
chnh - Ngn hng, tng m nhim nhiu v tr quan trng nh Tng Gim c Ngn
hng Vit Nam Thnh Vng (VPBank) t 04/2009 n 06/2012, gi nhiu chc v qun
l ch cht ti Ngn hng K Thng Vit Nam (Techcombank) trong thi gian t nm
2000 n nm 2009.
ng Hng tt nghip Hc vin Ngn hng H Ni v c bng MBA chuyn ngnh Thng
mi in t ti i hc Northcentral, Arizona, Hoa K.
B Bi Th Thanh Hng c b nhim Gim c Khi Ti chnh Ngn hng TMCP Tin
Phong t ngy 17/09/2012. Trc , b Hng c nhiu nm kinh nghim trong lnh
vc ti chnh ngn hng v tng m nhim nhiu v tr qun l quan trng. B Hng
tng l Ph Gim c Khi Ti Chnh, K ton trng ti SeABank.
B Hng tt nghip i hc Kinh t Quc dn khoa K ton - Kim ton v c bng Thc
s Qun tr kinh doanh ti Trung tm Php Vit o to v qun l (CFVG), Chng ch kim
ton vin (CPA) do B Ti chnh cp.
ng Nguyn Hng
Tng Gim c
B Bi Th Thanh Hng
Gim c Khi Ti chnh
ng Phm ng Anh gia nhp Ngn hng TMCP Tin Phong t nm 2007 vi cng v
Gim c Trung tm Thanh ton. Nm 2010, ng ng Anh c b nhim Gim c Cao
cp ph trch Nghip v v thng 04/2011, c b nhim Ph Tng Gim c, kim
Gim c Cao cp Khi Nghip v, kim Gim c Khi Ngun lc v Pht trin Mng li.
Hin ti, ng ng Anh l Gim c Khi Vn hnh - PTG Ngn hng Tin Phong. Trc
, ng ng Anh c 14 nm lm vic ti Ngn hng VID Public Bank v gi cc v tr
Qun l Cp cao nh Gim c Chi nhnh VID Public Bank Hi Phng, Gim c S Giao
dch VID Public Bank H Ni.
ng ng Anh tt nghip Khoa Ti chnh Ngn hng, i hc Kinh t Quc dn.
ng Phm ng Anh
Gim c Khi Vn hnh - PTG
BO CO THNG NIN 2013
18 19 www.tpb.vn
BAN IU HNH
ng Nguyn Thnh Long gia nhp v c b nhim Gim c Khi Gim st v x l
n - PTG Ngn hng TMCP Tin Phong t ngy 01/06/2013. L chuyn gia trong lnh
vc php lut ngn hng, vi bng Thc s lut hc, hn 17 nm kinh nghim lm vic v
php lut ngn hng v tr Ph v trng, Ngn hng nh nc Vit Nam v hn 5 nm
kinh nghim chuyn trch php lut ti v tr Ph Tng Gim c, Gim c Khi Php Ch,
Ngn hng TMCP K thng Vit Nam.
ng Nguyn Vit Anh c b nhim Gim c Khi Ngun vn & Th trng tin t -
PTG Ngn hng TMCP Tin Phong t thng 03/2011. Trc , ng Vit Anh c hn
10 nm kinh nghim lm vic ti Ngn hng TMCP K Thng Vit Nam (Techcombank)
v m nhim cc v tr quan trng nh Quyn Gim c Khi Qun l Ngun vn v Giao
dch Th trng Ti chnh; Tng Gim c cng ty Qun l qu K Thng; Gim c Trung
tm Ngoi hi v Sn phm Phi sinh; Gim c Trung tm Giao dch Hng ha v Qun l
Sn Giao dch; Trng Phng Qun l v Kinh doanh Tin t, Ngoi hi.
ng Vit Anh l Thc s qun tr kinh doanh i hc tng hp bang Washington, Hoa K.
Trc ng tt nghip Khoa Quan h Quc t, Hc vin Quan h Quc t v Khoa Kinh
t i ngoi, i hc Quc gia H Ni.
ng Nguyn Thnh Long
Gim c Khi Php ch, Gim st & X l n - PTG
ng Nguyn Vit Anh
Gim c Khi Ngun vn & Th trng tin t - PTG
ng L Hng Nam gia nhp Ngn hng TMCP Tin Phong t nm 2009 vi v tr Gim
c chi nhnh TP. H Ch Minh, Ph Tng Gim c ph trch khu vc pha Nam. T thng
04/2013, ng Nam c b nhim l Ph Tng Gim c kim Gim c Khi Tn dng.
Trc , ng Nam c nhiu nm kinh nghim lm vic trong lnh vc Ti chnh - Ngn
hng v m nhim nhng chc v quan trng nh: Gim c Chi nhnh TP. H Ch
Minh, Ngn hng TMCP Du kh Ton cu; Ph Tng Gim c ph trch khi Khch hng
Doanh nghip, Ngn hng TMCP Pht trin Mekong; Trng phng Tn dng & u t Hi
s, Ngn hng lin doanh ShinhanVina.
ng Nam l Thc s Ti chnh Ngn hng, i hc Ngn hng TP. H Ch Minh.
ng L Hng Nam
Gim c Khi Tn dng - PTG
ng Nguyn Hng Qun c b nhim Gim c Khi Qun tr ri ro - PTG Ngn hng
TMCP Tin Phong t ngy 01/02/2012. Trc khi gia nhp TPBank, ng Qun c 15
nm kinh nghim lm vic trong lnh vc Ti chnh - Ngn hng, m nhim cc v tr quan
trng trong cc ngn hng thng mi v ngn hng u t. ng tng l Gim c Qun
tr Ri ro, Ph Gim c v Tun th v Kim sot ni b Citibank Vit Nam; Quyn Tng
Gim c Cng ty Chng Khon An Bnh.
ng Qun l Thc s Qun tr kinh doanh cao cp - EMBA ti Hc vin Cng ngh Chu
(AIT). Trc , ng tt nghip ngnh Thng mi Quc t, i hc Ngoi Thng H Ni
v l K s kinh t, khoa Kinh t vn ti, i hc Giao thng H Ni.
ng Khc Vn Ha c b nhim Gim c Khi Bn hng v Knh phn phi - PTG
Ngn hng TMCP Tin Phong t ngy 15/09/2012. Trc khi gia nhp TPBank, ng Ha
tng m nhim nhiu chc v qun l quan trng ti Ngn hng K thng Vit Nam
(Techcombank) v Ngn hng Qun i (MB) nh Ph Gim c Khi Qun tr ri ro, Gim
c Trung tm tn dng SME, Gim c Vng ca Techcombank, Ph Gim c Khi Khch
hng doanh nghip ln ca MB.
ng Ha l Thc s Qun tr kinh doanh ti Trung tm Php Vit o to v Qun l
(CFVG).
ng Nguyn Hng Qun
Gim c Khi Qun tr Ri ro - PTG
ng Khc Vn Ha
Gim c Khi Bn hng v Knh phn phi - PTG
BO CO THNG NIN 2013
20 21 www.tpb.vn
BAN IU HNH
ng inh Vn Chin c b nhim Gim c Khi Ngn hng C nhn Ngn hng TMCP
Tin Phong t ngy 04/12/2013. Trc khi gia nhp TPBank, ng Chin c b dy hn
18 nm kinh nghim lm vic trong cc lnh vc Ti chnh ngn hng v Marketing, m
nhim nhiu v tr khc nhau ti cc t chc trong nc v ngoi nc gm 7 nm lm vic
ti cc v tr Ph Gim c Trung tm Th/ Gim c D n Th Visa, Master (Vietcombank),
Gim c Marketing ti Cng ty Johnson & Johnson Vit Nam, Qun l cao cp ti Ngn
hng OCBC (Singapore) mng Dch v T vn ti chnh c nhn ton cu. Gn y nht ng
Chin m nhim chc v Gim c Trung tm Pht trin Sn phm thuc Khi Ngn hng
bn l ti VPBank t nm 2011.
ng Chin l c nhn i hc Ngoi thng, Thc s Ti chnh Ngn hng ti trng Notre
Dame, Indiana, Hoa K theo chng trnh hc bng Fulbright.
ng inh Vn Chin
Gim c Khi Ngn hng C nhn
ng inh Vit Cng c b nhim Gim c Khi Ngn hng Doanh nghip Ngn hng
TMCP Tin Phong t 05/07/2012. Trc , ng Cng c nhiu nm kinh nghim
trong lnh vc ti chnh ngn hng v tng m nhim nhiu v tr qun l quan trng
ti Techcombank: Trng phng Dch v Ngn hng Bn l, Gim c chi nhnh Chng
Dng, Ph Gim c Khi Bn l, Gim c Cng ty AMC.
ng Cng l Thc s Qun tr kinh doanh, i hc Kinh t Quc Dn.
ng inh Vit Cng
Gim c Khi Ngn hng Doanh nghip
B o Thy Vn c b nhim Gim c Khi Qun tr Ngun nhn lc Ngn hng TMCP
Tin Phong t ngy 01/04/2013. B Vn c hn 17 nm kinh nghim lm vic trong
lnh vc qun tr nhn s ti cc cng ty v t chc nc ngoi ti Vit Nam nh: Ph trch
nhn s ti Cng ty Coca - Cola Vit Nam, Metro Cash & Carry Vit Nam; Gim c Hnh
chnh Nhn s Cng ty Shell Gas Hi Phng & Shell Gas (LPG) Vit Nam Ltd.; Gim c Nhn
s Ngn hng TMCP Bo Vit v gn y nht l v tr Gim c Nhn s ca Cng ty AON
Vit Nam.
B Vn l C nhn Kinh t trng i hc Kinh t quc dn v c nhn ngoi ng trng
i hc H Ni.
ng Bi Quang Cng gia nhp Ngn hng TMCP Tin Phong t thi gian u thnh lp,
thng 05/2007. Hin ti, ng Cng m nhim v tr Gim c Khi Cng ngh Thng tin.
ng Cng tng gi cc chc v quan trng: Gim c Trung tm Cng ngh Thng tin,
Gim c Trung tm Cng ngh Thng tin kim Quyn Gim c Trung tm Th v Ngn
hng in t ca Ngn hng Tin Phong. ng Cng c 22 nm kinh nghim trong c 17
nm lm vic trong lnh vc ngn hng v 5 nm trong lnh vc Cng ngh Thng tin. Trc
khi gia nhp Ngn hng Tin Phong, ng tng m nhim cc v tr nh Gim c Trung tm
phn mm, Cng ty 3C, Trng phng tin hc Ngn hng VID Public Bank.
ng Cng l c nhn Khoa hc, i hc Tng hp.
B o Thy Vn
Gim c Khi Qun tr ngun nhn lc
ng Bi Quang Cng
Gim c Khi Cng ngh Thng tin
ng Nguyn Lm Hong c b nhim l Gim c Khi Ngn hng C Nhn Ngn hng
TMCP Tin Phong t ngy 01/10/2012. Hin ng Hong ang l Gim c Khi Bn trc
tip v Knh thay th. Trc , ng c nhiu nm kinh nghim trong lnh vc ti chnh
ngn hng v m nhim nhiu chc v qun l quan trng ti Techcombank: Trng
phng K hoch Tng hp, Gim c Bn l min Bc thuc Khi Dch v khch hng Ti
chnh c nhn, Trng D n SSP min Bc kim Ph Gim c Trung tm SSE - Khi S&D,
Gim c Trung tm Bn - Khi S&D.
ng Hong l Thc s Qun tr kinh doanh, Trung tm Php Vit o to v qun l (CFVG).
ng Nguyn Lm Hong
Gim c Khi Bn trc tip v Knh thay th
BO CO THNG NIN 2013
22 23 www.tpb.vn
Khi
Vn hnh
Khi
Qun tr
Ngun
nhn lc
Khi
CNTT
Trung tm
Truyn
thng,
QLTH v
Marketing
Khi
Ti chnh
Khi
QTRR
Khi
Tn dng
Cc Chi nhnh
Khi
Php ch,
Gim st
v X l n
Khi
Bn hng
v Knh
phn phi
(S&D)
Khi
Ngn hng
C nhn
(RB)
Khi
Ngn hng
Doanh
nghip
(CB)
Trung tm
u t v
Ngn hng
Lu k
KHI H TR VN HNH KHI H TR QUN TR KHI KINH DOANH
Khi
Bn
trc tip
v Knh
thay th
Khi
Ngun vn
v
Th trng
Ti chnh
(CM)
Trung tm Kim ton Ni b
Ban iu hnh
(BOM)
y ban iu hnh
(EXCO)
Hi ng Qun tr
y ban Qun tr Ri ro
(ARCO)
y ban Tn dng
(CRCO)
y ban u t
(INCO)
y ban Nhn s
(NORCO)
ybanTi snc- Ti snn
(ALCO)
Ban Kim sot
i hi ng
C ng
(AGM)
(BOD)
S T CHC
Giai on 2013 - 2014
BO CO THNG NIN 2013
24 25 www.tpb.vn
HOT NG
NGN HNG
Nm 2013, kinh t th gii c nhng du hiu tch cc
nhng mc tng trng vn thp hn so vi nm 2012. Th
trng ti chnh ton cu din bin tng i n nh, nhiu
nc tip tc duy tr chnh sch tin t ni lng h tr
tng trng kinh t trong iu kin lm pht mc thp.
trong nc, kinh t v m din bin theo ng xu hng k
vng ca cc gii php iu hnh Chnh ph ra t u nm.
Lm pht c kim sot mc thp hn nm ngoi, ch s
CPI thng 12/2013 tng 6,04% so vi thng 12/2012; bnh
qun nm 2013, CPI tng 6,6% so vi nm 2012. Tng trng
kinh t c nm t 5,4%, sn xut cng nghip chuyn bin
tch cc, hng tn kho tng chm, tnh hnh pht trin doanh
nghip c ci thin. T gi v th trng ngoi hi v c bn
n nh, mt bng li sut tip tc gim nhng vn m bo
mc tiu kim sot lm pht v n nh th trng tin t,
thanh khon ca cc t chc tn dng c ci thin, n xu
tng bc c x l. Mc d vy, tng cu v sc mua ca
nn kinh t cn yu, hot ng sn xut kinh doanh vn cn
nhiu kh khn, lm pht c kim sot nhng khng th
ch quan vi nguy c gia tng tr li.
Vi TPBank, nm 2013 nh du mt bc ngot quan
trng trong hot ng ca Ngn hng. Mc d pht trin v
ti c cu trong bi cnh nn kinh t chung cn nhiu kh
khn nhng TPBank li t c nhiu thnh cng vt bc.
y l nn tng quan trng TPBank tip tc pht trin
trong nhng nm ti.
STT Ch tiu Nm 2012 Nm 2013
K hoch
2013
So vi k hoch
So vi
2012
+/- %
1 Tng Ti sn 15.120 32.088 30.000 2.088 107% 212%
2 Vn iu l 5.550 5.550 5.550 - 100% 100%
3 Tng huy ng vn, trong 10.785 28.067 25.000 3.067 112% 260%
3.1 Tin gi ca Khch hng 9.270 14.332 19.000
(4.668)
75% 155%
3.2 Tin gi, vay ca cc TCTD khc 1.515 13.735 6.000 7.735 229% 906%
4 D n cho vay, u t trong : 8.617 16.365 16.500
(135)
99% 190%
4.1 Cho vay khch hng 6.083 11.926 11.500 426 104% 196%
4.2 Tri phiu DN 2.534 4.439 5.000
(561)
89% 175%
5 T l n xu 3,66% 1,97% <3,5% 144% 54%
6 Li nhun trc thu 116 381 316 65 121% 328%
7 CAR 19,81% >9%
8 ROE (*) 10,89% 9,09% 1,80% 120%
Ghi ch (*): ROE = Li nhun/Vn ch s hu bnh qun
Tng ti sn ca TPBank cui nm 2013 t 32.088 t ng, t 107% so vi k hoch v tng gp i so vi cui nm 2012.
Tng huy ng hn 28.000 t ng t 112% k hoch, trong huy ng t khch hng l 14.332 t ng, tng 55% so
vi nm 2012. Tng d n (bao gm c Tri phiu DN) l 16.365 t ng, tng 90% so vi nm 2012. Trong d n cho vay
khch hng l 11.926 t ng, tng 96% so vi nm 2012. Cht lng n c ci thin r rt, t l n xu gim t 3,66%
nm 2012 xung cn 1,97% tnh ti cui nm 2013. Li nhun trc thu t 381 t ng, cao hn k hoch 65 t ng, v
tng gp 3 ln li nhun nm 2012.
VT: T ng, %
BO CO THNG NIN 2013
26 27 www.tpb.vn
Xu hng huy ng, d n th trng 1 v s lng khch hng qua cc nm
0
50,000
100,000
150,000
200,000
250,000
300,000
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
2008 2009 2010 2011 2012 2013
S l ng KH
Huy ng TT1
D n TT1
Nhng thnh tu quan trng t c nh trn l kt qu ca qu trnh ti c cu mnh m t ni ti TPBank, cng nh nh
c nhng chnh sch h tr kp thi, khuyn khch pht trin linh hot t pha NHNN.
2. S dng vn hiu qu, an ton
2.1 Hot ng tn dng
Cng xu hng vi hot ng huy ng, hot ng tn dng
cng t c nhng bc tng trng ng k. D n cho
vay khch hng t 11.926 t ng, tng hn 5.800 t ng
tng ng vi tng 96% so vi nm 2012. Trong cho
vay ngn hn t hn 8.200 t ng chim 69% tng d n
cho vay khch hng v cho vay trung, di hn t hn 3.600
t ng chim 31% tng d n cho vay khch hng. Ngn
hng khng phi s dng vn ngn hn cho vay trung di
hn, y l yu t tch cc gip Ngn hng ch ng trong
thanh khon v iu chnh c li sut cho vay khch hng
kp thi theo th trng.
Kt qu hot ng tn dng phn nh n lc ca Ngn hng
trong vic bm st mc tiu pht trin bn vng, an ton,
lnh mnh. Cc sn phm tn dng ca Ngn hng rt phong
ph v y , tp trung vo khch hng mc tiu l cc
doanh nghip va v nh, khch hng c nhn c thu nhp
trung bnh kh tr ln.
Cng vi vic hnh thnh Khi Php ch, Gim st v X l
n, cng tc gim st, n c v x l n c tng
cng. Tnh n cui nm 2013, Phng X l n thu hi
c 123 t ng n qu hn v n xu; bn c hn 135
t ng n xu kh c kh nng thu hi cho Cng ty Qun
l Ti sn ca cc T chc Tn dng Vit Nam (VAMC), gip
Ngn hng ci thin c cht lng tn dng v ch ng
hn trong hot ng x l n ca Ngn hng.
Vi nhng n lc trong vic x l n xu tn ng v tng
trng tn dng mi c cht lng tt, cht lng tn dng
c ci thin r rt, t l n xu gim t 3,66% cui nm
2012 xung cn 1,97% vo cui nm 2013.
2.2 Hot ng ngun vn: u t, qun l vn kh dng,
kinh doanh ngoi t v vng
Danh mc u t ca TPBank c qun l theo hng m
bo kh nng sinh li, kh nng thanh khon v tun th
ng quy nh ca NHNN.
Ti thi im cui nm 2013, tng u t vo tri phiu
chnh ph v tri phiu cc t chc tn dng khc t hn
7.700 t ng chim 42% tng danh mc u t, nhm m
bo kh nng thanh khon ca Ngn hng, cng nh a dng
ha c cu danh mc u t. u t hn 4.400 t ng vo
tri phiu cc doanh nghip ln c uy tn v tnh hnh ti
chnh lnh mnh. Tin gi, cho vay ti cc t chc tn dng
khc t hn 6.000 t ng, chim 33% tng danh mc.
Hot ng kinh doanh vng v ngoi t t c nhiu
thnh qu ng khch l trong bi cnh th trng c nhiu
kh khn, theo : tng thu nhp thun t kinh doanh ngoi
t v vng t 11,7 t ng, ng gp ng k vo thu nhp
v li nhun ca Ngn hng.
1. Huy ng vn tng nhanh - ch ng
thanh khon, khng nh uy tn
Nm 2013, TPBank pht trin cc sn phm, dch v
ring cho tng phn khc khch hng song song vi vic ci
tin nhiu dch v tin ch, dch v gia tng; nng cao cht
lng dch v cung cp cho khch hng; cng vi chnh sch
linh hot, cc chng trnh thc y bn hiu qu gip y
mnh huy ng t khch hng, m bo tnh thanh khon
ca Ngn hng.
Huy ng t khch hng ca TPBank t 14.332 t ng,
tng 55% so vi nm 2012, cao hn nhiu so vi mc
tng huy ng chung ca ton ngnh, mc 15,61%. Trong
tin gi khng k hn ca khch hng t hn 2.200
t ng, chim 15% tng huy ng t khch hng v tng
69% so vi nm 2012. y l mt trong nhng ngun huy
ng quan trng gip gim chi ph vn v gia tng li nhun
cho Ngn hng. Huy ng bng ngoi t nm 2013 tng hn
4,7 ln so vi nm 2012, chim 14% trong tng ngun huy
ng, y cng l hot ng gip Ngn hng tng giao dch
ngoi t vi cc t chc tn dng v khch hng, tng thu ph
v a dng ha hot ng kinh doanh ca mnh.
1,307
2,205
7,916
12,127
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
2013 2012
KKH
CKH
T ng C cu huy ng theo k hn
8,787
12,266
436
2,066
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
VND
Ngo i t
T ng C cu huy ng theo loi tin
2013 2012
2013 2012
Cho vay ngn hn
Cho vay TDH
T ng Hot ng cho vay nm 2013
4,413
8,229
1,682
3,697
-
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
24%
13%
29%
33%
1%
% C cu u t nm 2013
TPDN
TP TCTD Khc
TP CP
y thc u t
Cho vay, tin gi TT2
BO CO THNG NIN 2013
28 29 www.tpb.vn
3. m bo tnh tun th trong qun tr
ri ro
Nm 2013 h thng qun tr ri ro ca TPBank c tng
cng, nng cao cht lng kim sot, qun l v t c
mc tiu. Vic nhn bit ri ro c gii php qun l, nng
cao hiu qu h thng kim tra, kim sot ni b cng nh
cng tc kim ton ni b ca Ngn hng c Ban lnh o
Ngn hng c bit ch trng. Cng tc phng chng ra
tin v ti tr khng b c cao, nghim tc thc hin
theo ng yu cu ca Ngn hng Nh nc.
T nm 2008 n nay, cc quy nh v m bo an ton vn
ca Ngn hng Nh nc c TPBank tun th cht ch. C
th theo cc yu cu ca Thng t s 13/2012/TT-NHNN
v cc vn bn lin quan, t l an ton vn ti thiu lun
c duy tr mc trn 19% (quy nh khng di 9%), t
l thanh ton nhanh duy tr trn 20% (quy nh khng di
15%), t l thanh ton trong 7 ngy tip theo ca tng loi
tin lun duy tr trn 200% (quy nh khng di 100%).
Tnh n cui nm 2013, cc t l ny nh sau:
- T l thanh ton nhanh 20,8%;
- T l thanh ton trong 7 ngy tip theo i vi VND l
212%.
4. Tip tc khng nh thng hiu Ngn
hng Cng ngh
Da trn nn tng cng ngh sn c, cng ngh thng tin
TPBank lun c quan tm pht trin theo hng tn tin,
chuyn mn cao, ph hp vi m hnh ca cc ngn hng
pht trin trn th gii, qua khng nh tn tui Ngn
hng Cng ngh ca TPBank.
Hai trong nhng sn phm mang tnh t ph ca TPBank
c khch hng nh gi cao l sn phm eCounter v
eGold. y l hai sn phm c u t bi bn v tp trung
nhiu ngun lc pht trin. Cc sn phm ny tch hp cng
ngh hin i nh RFID, QR code, vn tay v mn hnh cm
ng vi nhng ng dng c o, gip khch hng c nhng
tri nghim mi l khi giao dch vi TPBank nhng rt thn
thin v d tip cn.
Lin tc ci tin rt ngn thi gian thao tc v gim thi gian
ch i ca khch hng, tng cng cht lng dch v ti
quy cng l mt u tin ca TPBank. Trin khai thnh cng
d n FCC-VMS h tr nhn vin giao dch gim c trn
50% thao tc khi phc v khch hng ng thi cng chun
ha cc mu biu, h tr in thng tin t ng cho khch
hng khi n giao dch ti TPBank.
m bo cc tiu chun v trung tm d liu d phng cng
l mt yu cu khng th thiu trong pht trin bn vng.
Trong nm 2013, Ngn hng trin khai vic chuyn trung
tm d liu d phng v Trung tm d liu Lng Ha Lc.
Vic chuyn trung tm d liu d phng p ng c 2 tiu
ch quan trng l khong cch an ton gia cc trung tm
d liu v nng cao tiu chun k thut ca trung tm d
phng, tun th theo ng yu cu ca Ngn hng Nh nc
cng nh p ng cc chun mc quc t.
Trong nm, Ngn hng tin hnh nng cp ton b
my ch chnh, ng thi nng cp m rng thnh cng
h thng in ton m my cho dng my ch Pseri. H
thng bo mt cng c tng cng cc thit b hin i
h tr ngn chn ri ro v kim sot an ninh thng tin trn
ton h thng.
5. Tng gp 3 c s khch hng, a dng
ha sn phm dch v
Nm 2013, Ngn hng trin khai nhiu sn phm dch v
a dng, phc v cho cc phn khc khch hng khc nhau
nh chng trnh lin kt i tc; kt ni cng thanh ton vi
Payoo, Smartlink, FPT Online, Viettel; m thm nhiu dch v
mi trn eBank nhm gia tng tin ch ti khch hng.
Cc sn phm Th tn dng v ghi n quc t, kt hp nhiu
u i cho ch th cng c pht trin rng ri, a tng
s th VISA pht hnh ca TPBank t gn 12.000 th, tng
gp 5 ln so vi nm 2012.
Vi nhng chnh sch sn phm linh hot, cnh tranh, cht
lng dch v c ch trng, s lng khch hng ca
TPBank tng mnh t gn 250.000 khch hng vo thi
im cui nm 2013. Mng li khch hng su rng l yu
t v cng quan trng gip TPBank hon thnh cc ch tiu
k hoch v quy m v li nhun c giao.
6. Mng li m rng: chuyn nghip,
ng b
Trong nm 2013, TPBank tp trung nh gi hin trng
cc im giao dch, c k hoch nng cp, ci to, di di ph
hp. Cc im giao dch ca TPBank c ci to ng b
theo tiu chun, thu ht, thun tin cho vic giao dch ca
khch hng. Trong nm qua, TPBank tin hnh di di thay
i cho 12 n v kinh doanh, trong c 7 n v a bn
H Ni, 4 n v a bn TP. H Ch Minh v 1 n v Hi
Phng. Tnh n cui nm 2013, TPBank c 10 Chi nhnh,
19 Phng Giao dch, 4 Qu Tit kim.
Ngy 27/12/2013, Ngn hng Nh nc chp thun cho
TPBank m thm 3 chi nhnh ti cc a bn trng im l:
H Ni, TP. H Ch Minh v Bnh Dng. Vic c chp thun
m thm chi nhnh gip Ngn hng m rng mng li hot
ng, gp phn nng cao v th ca TPBank trn th trng
v tng kh nng tip cn khch hng, nng cao quy m v
hiu qu hot ng cho Ngn hng.
Trong qu 1 nm 2014 TPBank m thm 3 Chi nhnh,
qu 2 m thm 2 Chi nhnh theo vn bn chp thun ca
Ngn hng Nh nc s 1464/NHNN- TTGSNH v s 1465/
NHNN- TTGSNH v 5 Trung tm Kinh doanh ti cc a bn
trng im H Ni, TP. H Ch Minh. Trong nm 2014, theo
k hoch pht trin mng li, TPBank s tin hnh ci to,
di di 8 im giao dch theo quy chun nng cao hnh nh,
h tr hot ng kinh doanh, tng th phn ca TPBank trn
th trng.
7. Pht trin thng hiu hin i v
chuyn nghip
Nm 2013, TPBank thc hin nhiu chng trnh truyn
thng nhm qung b hnh nh, sn phm, dch v ca Ngn
hng n th trng v khch hng, cc kt qu ca cng tc
truyn thng c nh gi tch cc. Tng cng hn 2.600
tin, bi c ng ti trn cc phng tin truyn thng,
trong bo in chim 32%, bo in t chim 58% v 10%
l truyn hnh v truyn thanh. c bit thng 12/2013
TPBank ra mt Nhn din Thng hiu mi, hin i v
chuyn nghip, khc su mt hnh nh TPBank nng ng,
sng to, tin cy vi cng chng.
Hot ng truyn thng thng hiu, marketing sn phm
v cc chng trnh u i s tip tc c y mnh, a
TPBank n gn hn vi khch hng v nh v r nt hnh
nh TPBank trn th trng.
BO CO THNG NIN 2013
30 31 www.tpb.vn
8. Ngun nhn lc cht lng,
lim chnh
Tng s CBNV ca ton h thng ti 31/12/2013 l
1.183 ngi, tng 352 CBNV so vi nm 2012. Phng
n ti c cu c thc hin thnh cng vi chnh sch
thu ht nhn s; chnh sch phc li, i ng cnh tranh,
chnh sch nh gi, o to pht trin nhn vin, tng
cng s gn kt ca CBNV vi Ngn hng.
Trong nm 2013, TPBank thc hin 110 kha o to
tng ng vi 1.665 gi cho 3.373 lt CBNV tham
gia, trong c 69 kha o to sn phm - nghip v,
25 kha o to k nng, hi tho v 32 kha o to
bn ngoi. Chng trnh o to c t chc chuyn
nghip, bi bn v ton din v cc mt nh hng cho
nhn vin mi, o to nghip v chuyn ngnh v o
to k nng mm.
TPBank cng xy dng c cc Gi tr ct li ring,
l: Lim - Sng - Hon - Hp - Bn (Lim chnh, Sng to,
Hon ho, Hp lc v Bn b) truyn thng v gio dc
nng cao o c ngh nghip cho CBNV ca Ngn hng.
Ngoi ra, TPBank cng ch trng vic tuyn dng ni b,
to iu kin cho CBNV c c hi c lun chuyn v
pht trin ngh nghip. Trong nm 2013 c 421 lt
CBNV c iu chuyn, b nhim, min nhim, trong
c 54 trng hp l Cn b qun l.
H thng Qun l hiu qu lm vic v lng thng l
mt trong nhng sng kin nhn s trng tm, c
truyn thng v trin khai rng ri trong nm 2013.
im khc bit ln nht ca H thng qun l hiu qu
lm vic mi c trin khai khng ch to s cam kt ca
mi c nhn vi t chc thng qua vic xy dng cc mc
tiu chun (KPIs/ Balance Scorecard), c lin h cht ch
vi mc tiu chin lc ca cc n v v ton Ngn hng,
m cn cho php nh gi hiu qu lm vic n tng c
nhn trong cc chu k hot ng (gia nm v cui nm)
mt cch cng bng. Tt c cc cp t Tng Gim c ti
cc Giao dch vin (Tellers) u c bn m t cng vic
(JDs) v bn mc tiu cng vic (KPIs).
Trong nm 2013, TPBank cng s dng dch v t vn
ca HAY Group hon thnh D n Xy dng H thng
thang bng lng, ph hp vi thng l ca ngnh Ngn
hng - Ti chnh, tham chiu vi cc thng tin ca th
trng v ca ngnh. H thng Lng thng mi tip
cn theo hng a ra cc gii php cnh tranh tng th
v cc ch i ng: bng tin mt - lng tr cho v tr
cng vic (c chia thnh lng c nh v lng hiu
qu gn vi vic hon thnh cc ch tiu KPIs), thng
thnh tch kinh doanh, cc loi tr cp theo tnh cht
cng vic hay bng cc chng trnh phc li ngn v di
hn (cho CBNV v gia nh).
Nm S lng nhn s
2008 252
2009 404
2010 668
2011 751
2012 831
2013 1.183
9. Qun l, ci tin quy trnh v cht
lng dch v ton din
T khi thnh lp TPBank c cp chng nhn H thng
qun l cho Ngn hng t chun ISO 9001:2008. Ton b
CBNV TPBank u c ph bin, o to v tng quan h
thng cht lng v cc quy nh, quy trnh nghip v c lin
quan gp phn duy tr tt chun ISO 9001:2008.
TPBank cng thnh cng trong vic xy dng H thng
cht lng tp trung, ban hnh y cc quy trnh, quy
ch qun l mi mt hot ng ca Ngn hng. H thng
vn bn c r sot, sa i, b sung theo hng cht ch,
ng quy nh, chun mc ca Ngn hng Nh nc nhng
n gin, hiu qu, d p dng, d theo di v kim tra, m
bo khng b chng cho.
H thng vn bn c cu trc theo cc mng nghip v, m
bo tnh n nh cao, khng b ng theo c cu t chc.
Vn bn c kim sot cht ch trc khi ban hnh, m
bo tnh h thng, nht qun v th thc, hiu lc cng nh
cng tc bo mt.
H thng kho lu tr ti liu tp trung online (eISO) c
nng cp, cung cp thng tin vn bn phc v cng vic ca
CBNV nhanh chng, chnh xc, kp thi.
TPBank cng xy dng H thng cam kt cht lng ni b
SLAs (Service Level Agreements), gp phn nng cao s
chuyn nghip trong cng vic, nng cao cht lng phc v
ng thi gip Ngn hng c thm knh nh gi nng lc,
hiu qu vn hnh ca n v.
Nm 2013 TPBank trin khai thnh cng D n nng cao
cht lng dch v ton din trong o to, hun luyn
nng cao, kim gia gim st hot ng giao dch, gip y
mnh ton din cht lng dch v ca Ngn hng.
10. Trin khai nhiu d n trng im
Hng lot cc d n c trin khai tp trung vo vic
nng cao cht lng dch v, chun ha cc quy trnh ni b
trong hot ng ca Ngn hng, tng cng nn tng cng
ngh. Cc d n c trin khai thnh cng phi k n
D n mPOS; D n Omniflows chun ha cc quy trnh, kim
sot cht lng dch v; D n FCC-VMS gip giao dch vin
gim thi gian thao tc, h tr vic in thng tin khch
hng t ng.
% Biu c cu nhn s theo gii tnh
Nam
N
57%
43%
Ngi Biu c cu nhn s theo tui
392
457
235
64
20
8 7
0
50
100
150
200
250
300
350
400
450
500
20-25 26-30 31-35 36-40 41-45 46-50 51-63
S lng Nhn s Ngi
BO CO THNG NIN 2013
32 33 www.tpb.vn
11. Hot ng cng ng v
cc gii thng
HOT NG CNG NG
Gn s pht trin ca mnh vi nhng li ch chung ca x
hi, CBNV TPBank v Ngn hng thng xuyn tham gia
cc hot ng thin nguyn, h tr nhng ngi c hon
cnh km may mn vn ln trong cuc sng.
Cng on TPBank thnh lp Qu t thin mang tn
Heart in Hands, thng xuyn thc hin cc hot ng
tnh nguyn, cu tr, v ngun mang tnh t chc v hiu
qu cao.
Mt s hot ng cng ng
2012 - 2013: Tham gia Chng trnh Chp cnh c
m, vt sng h tm ch do Trung ng Hi khuyn
hc Vit Nam phi hp vi i Truyn hnh Vit Nam
t chc
2011 - 2013: 03 nm lin tip ti tr Gii thng
Chim n tn vinh cc c nhn v tp th hot ng
tnh nguyn xut sc nht trn c nc
08/2013: Trao 40 sut hc bng cho hc sinh Trng
tiu hc Cao Vn Ngc trong chuyn cng tc ca
on cn b phng vin bo Php lut Vit Nam ra
thm Cn o
07/2013: ng hnh cng Ban chp hnh Trng i
hc Ngoi Thng, i hc Kinh t Quc dn v Hc
vin Ngn hng trong chng trnh Tip sc ma thi
v Ma h xanh

CC GII THNG
Thng hiu mnh Vit Nam 2013 - Thi bo kinh t Vit
Nam trao tng
Bng khen ca Th tng Chnh ph v thnh tch xut sc
trong cng tc ti c cu cho TPBank v Ch tch HQT
Minh Ph - 10/12/2013
Ngn hng c sn phm dch v sng to tiu biu (Vietnam
Outstanding Banking Awards 2013) - Gii thng bnh chn
trong khun kh din n Ngn hng ng Nam 2013 do
Hip hi Ngn hng Vit Nam phi hp cng Tp on D
liu quc t IDG ASEAN t chc
Dch v Tin & Dng Vit Nam 2013 - Thi bo kinh t Vit
Nam trao tng cho dch v Ngn hng in t
Thng hiu mnh Vit Nam 2012 - Thi bo kinh t Vit
Nam trao tng
Dch v Tin & Dng Vit Nam 2012 - Thi bo kinh t Vit
Nam trao tng cho dch v Ngn hng in t
Doanh nghip Vit Nam vng 2010 - B Cng thng v
Hip hi Doanh nghip nh v va trao tng
Thng v pht hnh ring l tiu biu Vit Nam 2011 - 2012:
Thng v gia DOJI v TPBank - Din n M&A Vit Nam
trao tng
Chng nhn Ngn Hng Thanh Ton t Chun Cao 2009 -
STP Awards - Wells Fargo trao tng

BO CO THNG NIN 2013
34 35 www.tpb.vn
K HOCH
KINH DOANH 2014
1. Mc tiu, nh hng pht trin
nh hng trong 5 nm ti, trn c s cng c ngun lc trong nm 2013, TPBank s bc vo giai on bt ph, pht trin
nhanh v mnh m, mc tiu n nm 2017 tr thnh 1 trong 15 ngn hng mnh nht Vit Nam. Mi nhn pht trin ca
Ngn hng c xc nh tp trung vo cc lnh vc sau:
M rng hot ng Kinh doanh vng, cng vi mt s cc ngn hng khc tham gia bnh n th trng vng; cung cp
cc dch v chuyn nghip cho khch hng trong lnh vc kinh doanh vng bc, qu;
y mnh ti tr, h tr cc cng ty, n v ng dng cng ngh cao v mt ti chnh v kinh nghim qun tr;
Tp trung phc v lnh vc cng nghip h tr, c bit cc doanh nghip va v nh;
Tip tc khai thc Dch v Ngn hng in t v Ngn hng u tin vi s mnh i u trong vic ng dng cng ngh
thng tin v mang li nhng gii php ti chnh tin tin nht cho khch hng, tn dng th mnh ca cc c ng ln
v cc i tc chin lc.
Cc mi nhn c Ngn hng xc nh u l nhng lnh vc trng tm, c u tin pht trin Vit Nam, ha hn s l
mnh t giu tim nng cho s pht trin ca Ngn hng. Cng vi s h tr to ln t pha cc c ng chin lc, y cng
chnh l nhng lnh vc TPBank c u th cnh tranh ni tri so vi cc ngn hng khc.
2. Cc mc tiu ti chnh c th
K hoch kinh doanh 2014
STT Ch tiu Nm 2013 K hoch 2014
1 Tng ti sn 32.088 50.000
2 Vn iu l 5.550 5.550
3 Tng huy ng 28.067 42.000
3.1 Tin gi khch hng 14.332 25.000
3.2 Tin gi & vay ca TCTD khc 13.735 17.000
4 D n cho vay v u t 16.365 25.000
4.1 Cho vay khch hng 11.926 19.580
4.2 u t tri phiu TCKT 4.439 5.420
5 T l n xu 1,97% <2,5%
6 Li nhun trc thu 381 438
7 CAR >9% >9%
8 ROE (*) 10,89% 11,17%
9 S lng khch hng 245.269 400.000
Tng trng huy ng KH 55% 74%
Tng trng cho vay KH 96% 53%
(*): ROE = Li nhun sau thu/ Vn ch s hu bnh qun nm
Nh vy, vi k hoch ra, nm 2014 TPBank s t quy m tng ti sn 50.000 t ng; li nhun trc thu 438 t
ng; s lng khch hng d kin t 400.000 khch hng; t l n xu trong tm kim sot v di 2.5%; cc t l an ton
trong hot ng ngn hng lun c m bo; thanh khon lun tt.
D bo nm 2014 nn kinh t s c nhiu chuyn bin tch cc, Ngn hng s n lc phn u hon thnh mc tiu kinh doanh
2014, tr thnh mt nh ch ti chnh hot ng bn vng, minh bch v hiu qu; ng gp tch cc vo s pht trin chung
ca H thng ngn hng.
BO CO THNG NIN 2013
36 37 www.tpb.vn
1. nh gi ca Hi ng qun tr v hot ng ca Ban iu hnh
Nm 2013 l mt nm kinh t trong nc v th gii c nhng du hiu tin trin tch cc nhng mc tng trng vn
thp. Trong bi cnh , Ban iu hnh c th ha cc ch trng c i hi ng c ng, HQT thng qua bng nhng
chng trnh hnh ng c th, linh hot ph hp vi din bin mi trng kinh doanh. Ban iu hnh hon thnh mi ch
tiu HQT t ra, c bit TPBank khng ch kinh doanh c li m t li nhun vt k hoch, h thng b my hot ng
vn hnh ng b, hiu qu.
Ban iu hnh TPBank tun th mi quy nh, quyt nh ca Cc c quan Qun l Nh nc, c nh gi cao. c bit,
cui nm 2013, Tp th v c nhn xut sc ca TPBank c nhn bng khen ca Th tng Chnh ph, ca Thng c
Ngn hng Nh nc.
Ban iu hnh TPBank cng n nh, nng cao c i sng vt cht, tinh thn ca ngi lao ng, to ng lc mnh
m gip CBNV hng say cng hin v s pht trin ngy mt ln mnh ca ngn hng.
Nhn chung, cc thnh vin Ban iu hnh c gng hon thnh tt chc trch, nhim v ca mnh, lun hnh ng v li ch
ca c ng, li ch ca Nh nc v ca TPBank.
2. Qun tr ngn hng
Qun tr Ngn hng hiu qu v theo tiu chun cao l yu t quyt nh cho s thnh cng trong di hn.
2. 1. S Qun tr Ngn hng
HQT c trch nhim th hin vai tr lnh o trong vic gim st, kim tra hot ng ca TPBank bng cch a ra cc
hng dn cng vi vic ra nh hng chin lc v cung cp gi tr di hn cho c ng v nhng ngi c li ch lin quan.
HQT a ra cc quyt nh ch ng giao ph phm vi cng vic rng hn n cc y ban. Ch tch v cc Ph Ch tch
trc tip tham gia v dn dt cc hot ng ca tt c y ban.
QUN TR
NGN HNG
y ban Ti s n C -
Ti s n N
(ALCO)

y ban Tn d ng
(CRCO)
y ban Nhn s
(NORCO)
y ban u t
(INCO)

Qun tr y ban

R i ro
R (A CO)
i hi ng C ng
thng nin
(AGM)
Ban Kim sot
Kim ton
Ni b
Ban iu hnh
(BOM)
y Ban
iu hnh
(EXCO)
Hi ng
Qun tr
(BOD)
BO CO THNG NIN 2013
38 39 www.tpb.vn
2.2. Cc thnh tu t c trong Qun tr Ngn hng
nm 2013 v Chin lc nm 2014
2.2.1. Cc thnh tu t c nm 2013
2013 l nm TPBank ti cu trc thnh cng, cng c cc
h thng qun tr ri ro, nng cao cht lng iu hnh v
qun l cc hot ng, t c mc tiu ra. HQT quan
tm c bit ti vic nhn din ri ro, l gii php h tr cho
vic qun l v ci thin tnh hiu qu ca h thng kim
sot ni b cng nh kim ton ni b ca Ngn hng.
Vi nh hng ng n v ph hp cng kh nng qun l
ca HQT, TPBank vt qua nhiu kh khn, thch thc
do bin ng ca th trng gy ra v hon thnh sm k
hoch ti cu trc, bt u gt hi c nhng thnh cng
v thnh tu kinh doanh ng t ho.
Tnh hnh kinh t 2014 c d bo s c nhng thay i
tch cc, TPBank s theo ui mc tiu kinh doanh 2014
tr thnh mt nh ch Ti chnh hiu qu, minh bch v bn
vng, ng gp vo s pht trin chung ca H thng Ngn
hng ti Vit Nam. TPBank t mc tiu tr thnh mt
trong 15 ngn hng dn u ti Vit Nam n nm 2017.
2.2.2. Chin lc nm 2014
a. m bo nn tng cho mt m hnh Qun tr Ngn
hng hiu qu
Vai tr ca Ch tch v HQT
Tip tc tp trung vo tnh hiu qu tng th ca HQTv
cc thnh vin;
Ch tch HQT ng vai tr trng yu trong vic m bo
tnh hiu qu tng th ca Hi ng Qun tr. Ch tch v
Hi ng Qun tr, cng vi nhau, l hnh mu quan trng
to ra vn ha v gi tr doanh nghip cho ngn hng,
thit lp tinh thn ch o, xuyn sut trong t chc
m bo vic Hi ng tip tc tp trung vo cc ch
chin lc chnh ca ngn hng.
Ban Kim sot, Kim ton ni b
Tip tc thc hin nhim v gim st tun th quy nh
php lut, iu l ngn hng v ngh quyt ca HQT
trong vic iu hnh v qun l ngn hng;
Tip tc gim st vic thc hin h thng cc ch tiu gim
st ti chnh, nhm m bo an ton cho hot ng v m
bo thc hin cc mc tiu kinh doanh ca ngn hng.
Qun tr Ri ro
u tin vic tng cng kh nng qun tr ri ro, c bit
l tp trung vo h thng cnh bo ri ro tn dng, gim
st tn dng; p dng cc m hnh v cc cng ngh v
tin hc trong qun tr Ti sn C - Ti sn N, ri ro thanh
khon v qun tr ri ro th trng.
Tip tc chun ha cc quy trnh qun tr ri ro, xy dng
m hnh o lng ri ro theo chun mc quc t Basel II;
xy dng k hoch hot ng lin tc v gii quyt cc vn
v gin on kinh doanh; xy dng vn ha ngn hng
v phng chng ri ro bng cch tng n v ch ng
tun th quy trnh qun l ri ro mt cch hiu qu, tng c
nhn c tinh thn phng chng v nhn din ri ro.
Vn ha ngn hng
Xy dng v nh hng vn ha ca ngn hng hng
ti s Lim (chnh), Sng (to), Hon (ho), Hp (lc), Bn
(b), v tun theo o c ngh nghip.
b. Li ch c ng
Bo v v h tr thc thi cc quyn li ca c ng, m
bo i x cng bng, thch ng vi tt c cc c ng
c. Mi quan h ca cc nhm li ch lin quan (nhn vin,
nh u t, khch hng, chnh quyn v cng ng)
Tn trng quyn li ca cc nhm li ch lin quan c
thit lp bi lut hoc bi cc tha thun song phng.
Nhn din thng hiu mi ca TPBank th hin cam kt
chn tht ti tt c cc nhm li ch c lin quan.
d. Cng b thng tin v S minh bch
m bo vic cng b thng tin chnh xc v ng thi
hn v cc vn quan trng ca ngn hng, bao gm
tnh trng ti chnh, kt qu hot ng, s hu v qun tr
ngn hng.
Nguyn tc 1 Tm quan trng ca o c Kinh doanh
Nguyn tc 2
Hng ti mc tiu chung - xc nh mc tiu kinh doanh ph hp vi k vng
chung ca cc nhm li ch
Nguyn tc3 Tm quan trng ca Qun l c chin lc
Nguyn tc 4 Tnh hiu qu v c cu t chc ngn hng
Nguyn tc 5 Tm quan trng ca Giao tip Doanh nghip
5 nguyn tc vng c p dng trong Qun tr Ngn hng:
BO CO THNG NIN 2013
40 41 www.tpb.vn
BO CO CA
BAN IU HNH V
BO CO TI CHNH
C KIM TON
MC LC
Thng tin chung
Bo co ca Ban iu hnh
Bo co kim ton c lp
Bng cn i k ton
Bo co kt qu hot ng kinh doanh
Bo co lu chuyn tin t
Thuyt minh bo co ti chnh
44-45
46
47
48-51
52-53
54-55
56-65
Ngy 31 thng 12 nm 2013
BO CO THNG NIN 2013
42 43 www.tpb.vn
THNG TIN
CHUNG
NGN HNG TMCP TIN PHONG
Ngn hng Thng mi C phn Tin Phong (sau y gi tt l Ngn hng) l ngn hng thng mi c phn c thnh lp
ti nc Cng ha X hi Ch ngha Vit Nam vo ngy 5 thng 5 nm 2008 theo Giy php thnh lp s 123/GP-NHNN ca
Thng c Ngn hng Nh Nc Vit Nam (NHNN); Giy php thnh lp ca Ngn hng c iu chnh, sa i v b sung
theo Quyt nh s 2132/Q-NHNN ngy 27 thng 9 nm 2011 ca Thng c NHNN. Thi hn hot ng ca Ngn hng
l 99 nm k t ngy cp Giy php thnh lp s 123/GP-NHNN. Giy chng nhn ng k kinh doanh ln u ca Ngn hng
c ng k ln u ngy 12 thng 5 nm 2008 v ng k thay i ln th 19 vo ngy 27 thng 11 nm 2013.
Hot ng chnh ca Ngn hng l thc hin cc giao dch ngn hng Vit Nam bao gm huy ng v nhn tin gi ngn hn,
trung hn v di hn t cc t chc v c nhn; cho vay ngn hn, trung hn v di hn i vi cc t chc v c nhn trn
c s tnh cht v kh nng ngun vn ca Ngn hng; thc hin cc giao dch ngoi t, cc dch v ti tr thng mi quc
t, chit khu thng phiu, tri phiu v cc giy t c gi khc, kinh doanh vng v cc dch v ngn hng khc c Ngn
hng Nh nc Vit Nam (c gi tt l NHNN) cho php.
Tr s v mng li hot ng
Ngn hng c tr s chnh ti To nh TTC, ph Duy Tn, phng Dch Vng Hu, qun Cu Giy, H Ni, Vit Nam.
Ti ngy 31 thng 12 nm 2013, Ngn hng c 1.183 cn b nhn vin. ( Ti 31/12/2012, Ngn hng c 831 cn b nhn vin)
Tng s chi nhnh: Gm 01 Hi s chnh, 13 chi nhnh (trong c 3 chi nhnh c Ngn hng Nh nc Vit Nam cp php
thnh lp vo ngy 27/12/2013 nhng cha i vo hot ng trong nm 2013), 19 phng giao dch v 4 qu tit kim ti
cc tnh v thnh ph trn c nc (Ti ngy 31 thng 12 nm 2012, Ngn hng c 01 Hi s chnh, 10 chi nhnh, 19 phng
giao dch v 4 qu tit kim ti cc tnh v thnh ph trn c nc).
HI NG QUN TR
Cc thnh vin Hi ng Qun tr trong nm ti chnh kt thc ngy 31 thng 12 nm 2013 v cho ti thi im lp bo co
ny gm:
BAN KIM SOT
Cc thnh vin Ban Kim sot trong nm ti chnh kt thc ngy 31 thng 12 nm 2013 v cho ti thi im lp bo co
ny gm:
H tn Chc v Ngy b nhim/ Ngy ht nhim k
ng Minh Ph Ch tch
B nhim cho nhim k 2013-2018 theo Ngh quyt s 01/2013/NQ-TPB.HC ngy
12/04/2013 v Ngh quyt s 10/2013/NQ-TPB.HQT ngy 12/04/2013
ng L Quang Tin Ph Ch tch
ng Anh T Ph Ch tch
ng Megumu Motohisa Ph Ch tch
B Nguyn Thu H y vin c lp
ng Phm Cng T y vin
ng Phan Tun Anh y vin
ng Kenichi Abe y vin
ng L Huy Cn y vin c lp Ht nhim k ti ngy 12/04/2013
ng Yoshinori Kimura y vin Ht nhim k ti ngy 12/04/2013
B Phan Th Hoa Mai y vin Thi gi chc v y vin ngy 27/02/2013 theo Quyt nh s 284/Q-VMS-TCHC
H tn Chc v Ngy b nhim/ Ngy ht nhim k
B Nguyn Th Bo Trng ban
B nhim cho nhim k 2013-2018 theo Ngh quyt s 01/2013/
NQ-TPB.HC ngy 12/04/2013 v Ngh quyt s 10/2013/NQ-TPB.
HQT ngy 12/04/2013
ng Thi Duy Ngha Thnh vin chuyn trch
HQT ngy 12/04/2013
B Nguyn L Hng Thnh vin khng chuyn trch
HQT ngy 12/04/2013
ng V Ngc Tng Trng ban Ht nhim k ti ngy 12/04/2013
B Nguyn Th Thu Nguyt Thnh vin Ht nhim k ti ngy 12/04/2013
ng Yoshimi Takahashi Thnh vin Ht nhim k ti ngy 12/04/2013
THNG TIN CHUNG (tip theo)
NGI I DIN THEO PHP LUT
Ngi i din theo php lut ca Ngn hng trong nm ti chnh kt thc ngy 31 thng 12 nm 2013 v ti ngy lp bo
co ny l ng Minh Ph, chc danh Ch tch Hi ng Qun tr.
Ngi k Bo co Ti chnh nm 2013 l ng Nguyn Hng, chc danh Tng Gim c theo y quyn s 111/2012/Q-TPB.
HQT ngy 10 thng 8 nm 2012 ca ng Minh Ph.
KIM TON VIN
Cng ty TNHH Ernst & Young Vit Nam l cng ty kim ton ca Ngn hng.
BAN IU HNH V K TON TRNG
Cc thnh vin Ban iu hnh v K ton trng trong nm ti chnh kt thc ngy 31 thng 12 nm 2013 v cho ti thi
im lp bo co ny gm:
H tn Chc v Ngy b nhim/ Ngy min nhim
ng Nguyn Hng Tng Gim c B nhim ngy 04/07/2012
ng Phm ng Anh Ph Tng Gim c B nhim ngy 08/04/2011
ng Nguyn Hng Qun Ph Tng Gim c B nhim ngy 01/02/2012
ng Nguyn Vit Anh Ph Tng Gim c B nhim ngy 07/03/2011
ng L Hng Nam Ph Tng Gim c B nhim ngy 02/03/2012
ng Khc Vn Ha Ph Tng Gim c B nhim ngy 15/09/2012
ng Nguyn Thnh Long Ph Tng Gim c B nhim ngy 01/06/2013
ng Megumu Motohisa Ph Tng Gim c T nhim ngy 12/04/2013 theo Quyt nh s 09/2013/NQ-TPB.HQT
B Bi Th Thanh Hng Gim c Ti chnh B nhim ngy 17/09/2012
B L Cm T K ton trng B nhim ngy 26/04/2013 Quyt s 11/2013/NQ-TPB.HQT
ng Trn Vn Chin K ton trng Thi vic ngy 25/04/2013 theo Quyt nh s 76/2013/TB-TPB.QTNL
BO CO THNG NIN 2013
44 45 www.tpb.vn
Ban iu hnh ca Ngn hng Thng mi C phn Tin Phong (Ngn hng) trnh by bo co ny v bo co ti chnh ca
Ngn hng cho nm ti chnh kt thc ngy 31 thng 12 nm 2013.
TRCH NHIM CA BAN IU HNH I VI BO CO TI CHNH
Ban iu hnh ca Ngn hng chu trch nhim m bo bo co ti chnh phn nh trung thc v hp l tnh hnh hot ng,
kt qu hot ng kinh doanh v tnh hnh lu chuyn tin t ca Ngn hng cho tng nm ti chnh. Trong qu trnh lp bo
co ti chnh ny, Ban iu hnh cn phi:
la chn cc chnh sch k ton thch hp v p dng cc chnh sch ny mt cch nht qun;
thc hin cc nh gi v c tnh mt cch hp l v thn trng;
nu r cc chun mc k ton p dng cho Ngn hng c c tun th hay khng v tt c nhng sai lch trng yu
so vi nhng chun mc ny c trnh by v gii thch trong bo co ti chnh; v
lp bo co ti chnh trn c s nguyn tc hot ng lin tc tr trng hp khng th cho rng Ngn hng s tip
lc hot ng.
Ban iu hnh chu trch nhim m bo vic cc s sch k ton thch hp c lu gi phn nh tnh hnh ti chnh ca
Ngn hng, vi mc chnh xc hp l, ti bt k thi im no v m bo rng cc s sch k ton tun th vi h thng
k ton c ng k. Ban iu hnh cng chu trch nhim v vic qun l cc ti sn ca Ngn hng v do phi thc
hin cc bin php thch hp ngn chn v pht hin cc hnh vi gian ln v nhng vi phm khc.
Ban iu hnh cam kt tun th nhng yu cu nu trn trong vic lp bo co ti chnh cho nm ti chnh kt thc ngy
31 thng 12 nm 2013.
CNG B CA BAN IU HNH
Theo kin ca Ban iu hnh, bo co ti chnh km theo phn nh trung thc v hp l tnh hnh ti chnh ca Ngn hng
vo ngy 31 thng 12 nm 2013, kt qu hot ng kinh doanh v tnh hnh lu chuyn tin t cho nm ti chnh kt thc
cng ngy ph hp vi cc Chun mc K ton v H thng K ton cc T chc Tn dng Vit Nam v tun th theo cc quy
nh ca Ngn hng Nh nc Vit Nam c lin quan n vic lp v trnh by bo co ti chnh.
Thay mt Ban iu hnh:
H Ni, Vit Nam
BO CO CA
BAN IU HNH
Knh gi: Cc c ng
Ngn hng Thng mi C phn Tin Phong
Chng ti kim ton bo co ti chnh ca Ngn hng Thng mi C phn Tin Phong (Ngn hng) c lp ngy 20
thng 3 nm 2014 v c trnh by t trang 6 n trang 68, bao gm bng cn i k ton ti ngy 31 thng 12 nm 2013,
bo co kt qu hot ng kinh doanh v bo co lu chuyn tin t cho nm ti chnh kt thc cng ngy v cc thuyt minh
bo co ti chnh i km.
Trch nhim ca Ban iu hnh
Ban iu hnh Ngn hng chu trch nhim v vic lp v trnh by trung thc v hp l bo co ti chnh ca Ngn hng
theo Chun mc K ton v H thng K ton cc T chc Tn dng Vit Nam v cc quy nh ca Ngn hng Nh nc Vit
Nam c lin quan n vic lp v trnh by bo co ti chnh v chu trch nhim v kim sot ni b m Ban iu hnh xc
nh l cn thit m bo cho vic lp v trnh by bo co ti chnh khng c sai st trng yu do gian ln hoc nhm ln.
Trch nhim ca Kim ton vin
Trch nhim ca chng ti l a ra kin v bo co ti chnh da trn kt qu ca cuc kim ton. Chng ti tin hnh
kim ton theo cc Chun mc kim ton Vit Nam. Cc chun mc ny yu cu chng ti tun th chun mc v cc quy
nh v o c ngh nghip, lp k hoch v thc hin cuc kim ton t c s m bo hp l v vic liu bo co
ti chnh ca Ngn hng c cn sai st trng yu hay khng.
Cng vic kim ton bao gm thc hin cc th tc nhm thu thp cc bng chng kim ton v cc s liu v thuyt minh
trn bo co ti chnh. Cc th tc kim ton c la chn da trn xt on ca kim ton vin, bao gm nh gi ri ro c
sai st trng yu trong bo co ti chnh do gian ln hoc nhm ln. Khi thc hin nh gi cc ri ro ny, kim ton vin
xem xt kim sot ni b ca Ngn hng lin quan n vic lp v trnh by bo co ti chnh trung thc, hp l nhm thit
k cc th tc kim ton ph hp vi tnh hnh thc t, tuy nhin khng nhm mc ch a ra kin v hiu qu ca kim
sot ni b ca Ngn hng. Cng vic kim ton cng bao gm nh gi tnh thch hp ca cc chnh sch k ton c p
dng v tnh hp l ca cc c tnh k ton ca Ban iu hnh cng nh nh gi vic trnh by tng th bo co ti chnh.
Chng ti tin tng rng cc bng chng kim ton m chng ti thu thp c l y v thch hp lm c s cho
kin kim ton 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, tnh hnh ti chnh
ca Ngn hng vo ngy 31 thng 12 nm 2013, kt qu hot ng kinh doanh v tnh hnh lu chuyn tin t cho nm ti
chnh kt thc cng ngy ph hp vi cc Chun mc K ton v H thng K ton cc T chc Tn dng Vit Nam v tun th
theo cc quy nh ca Ngn hng Nh nc Vit Nam c lin quan n vic lp v trnh by bo co ti chnh.
H Ni, Vit Nam,
BO CO
KIM TON C LP
S tham chiu: 60849753/16547188
BO CO THNG NIN 2013
46 47 www.tpb.vn
BNG CN I
K TON
ti ngy 31 thng 12 nm 2013
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
TI SN
Tin mt, vng bc, qu 2 294.799.238.485 65.320.769.847
Tin gi ti Ngn hng Nh nc Vit Nam 3 226.461.114.920 364.312.238.382
Tin, vng gi ti v cho vay cc TCTD khc 4 5.855.657.092.577 2.188.579.540.838
Tin, vng gi ti cc TCTD khc 4.1 4.709.214.236.243 1.894.442.040.838
Cho vay cc TCTD khc 4.2 1.330.160.800.000 515.000.000.000
D phng ri ro cho vay/ tin gi ti cc TCTD khc (183.717.943.666) (220.862.500.000)
Chng khon kinh doanh 5 174.361.159.453 21.572.710.001
Chng khon kinh doanh 212.816.649.813 34.328.094.136
D phng gim gi chng khon
kinh doanh
(38.455.490.360) (12.755.384.135)
Cc cng c ti chnh phi sinh v cc ti sn ti chnh khc 7.965.500.225 -
Cho vay khch hng 11.809.048.776.524 5.990.357.682.851
Cho vay khch hng 6 11.925.991.430.338 6.083.030.002.893
D phng ri ro cho vay khch hng (116.942.653.814) (92.672.320.042)
Chng khon u t 7 12.183.871.217.431 5.453.320.269.504
Chng khon u t sn sng bn 11.776.267.873.922 5.540.302.142.409
Chng khon u t gi n ngy o hn 437.603.343.509 200.000.000.000
D phng gim gi chng khon u t (30.000.000.000) (286.981.872.905)
Gp vn, u t di hn 10.000.000.000 10.000.000.000
Vn gp lin doanh - -
u t vo cng ty lin kt - -
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
u t di hn khc 10.000.000.000 10.000.000.000
D phng gim gi u t di hn - -
Ti sn c nh 68.365.474.042 69.065.687.663
Ti sn c nh hu hnh 55.109.714.333 50.853.140.844
Nguyn gi ti sn c nh 127.687.896.827 116.746.798.458
Hao mn ti sn c nh (72.578.182.494) (65.893.657.614)
Ti sn c nh thu ti chnh - -
Nguyn gi ti sn c nh - -
Hao mn ti sn c nh - -
Ti sn c nh v hnh 13.255.759.709 18.212.546.819
Nguyn gi ti sn c nh 47.340.203.328 44.852.628.743
Hao mn ti sn c nh (34.084.443.619) (26.640.081.924)
Ti sn c khc 1.457.509.243.290 957.840.783.898
Cc khon phi thu 1.307.300.483.743 812.873.453.251
Cc khon li, ph phi thu 526.497.387.671 359.133.836.871
Ti sn thu TNDN hon li - -
Ti sn C khc 595.168.758.187 703.323.108.684
Trong : Li th thng mi - -
D phng ri ro cc ti sn C ni bng khc (971.457.386.311) (917.489.614.908)
TNG TI SN 32.088.038.816.947 15.120.369.682.984
BNG CN I K TON (tip theo)
BO CO THNG NIN 2013
48 49 www.tpb.vn
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
N PHI TR
Cc khon n Chnh ph v Ngn hng Nh nc Vit Nam - 833.787.253.030
Tin gi v vay cc TCTD khc 8 11.393.516.645.604 762.944.387.317
Tin gi ca cc TCTD khc 6.678.191.105.604 35.476.387.317
Vay cc TCTD khc 4.715.325.540.000 727.468.000.000
Tin gi ca khch hng 9 14.331.681.384.239 9.269.925.440.111
Cc cng c ti chnh phi sinh v cc cng n ti chnh khc - 7.436.054.809
Vn ti tr, u thc u t, cho vay m TCTD chu ri ro - -
Pht hnh giy t c gi 2.341.440.000.000 752.248.000.000
Cc khon n khc 320.730.394.833 175.021.793.493
Cc khon li, ph phi tr 234.940.889.017 151.158.193.436
Thu TNDN hon li phi tr - -
Cc khon phi tr v cng n khc 77.565.018.359 19.205.637.101
D phng ri ro khc 8.224.487.457 4.657.962.956
TNG N PHI TR 28.387.368.424.676 11.801.362.928.760
VN CH S HU
Vn v cc qu
Vn 4.527.197.780.000 4.527.197.780.000
Vn iu l 5.550.000.000.000 5.550.000.000.000
Vn u t xy dng c bn - -
Thng d vn c phn (1.019.998.660.000) (1.019.998.660.000)
C phiu qu (2.803.560.000) (2.803.560.000)
C phiu u i - -
Tri phiu chuyn i - -
Vn khc - -
Cc qu d tr 42.132.785.732 42.132.785.732
ti ngy 31 thng 12 nm 2013 ti ngy 31 thng 12 nm 2013
BNG CN I K TON (tip theo) BNG CN I K TON (tip theo)
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
Chnh lch t gi hi oi - -
Chnh lch nh gi li ti sn - -
L luy k (868.660.173.461) (1.250.323.811.508)
TNG VN CH S HU 3.700.670.392.271 3.319.006.754.224
TNG N PHI TR, VN CH S HU 32.088.038.816.947 15.120.369.682.984
CC CH TIU NGOI BNG CN I K TON
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
Ngha v n tim n
Bo lnh vay vn - -
Cam kt trong nghip v L/C 120.605.374.535 133.083.983.235
Bo lnh khc 902.126.385.232 576.254.075.730
Cc cam kt a ra
Cam kt ti tr cho khch hng - -
Cam kt khc 2.490.000.000.000 -
3.512.731.759.767 709.338.058.965
H Ni, Vit Nam
BO CO THNG NIN 2013
50 51 www.tpb.vn
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
Thu nhp li v cc khon thu nhp tng t 12 1.666.866.081.736 1.380.295.709.283
Chi ph li v cc chi ph tng t 13 (1.069.425.914.340) (1.105.678.079.315)
Thu nhp li thun 597.440.167.396 274.617.629.968
Thu nhp t hot ng dch v 44.780.142.360 17.592.294.173
Chi ph hot ng dch v (14.704.908.788) (27.937.854.552)
Li thun t hot ng dch v 14 30.075.233.572 (10.345.560.379)
Li thun t hot ng kinh doanh ngoi hi 15 11.716.516.984 5.664.387.624
Li thun t mua bn chng khon kinh doanh 16 20.378.756.269 6.818.746.329
Li thun t mua bn chng khon u t 17 21.023.896.432 (3.303.417.854)
Thu nhp t hot ng khc 212.066.551.891 280.292.478.520
Chi ph hot ng khc (6.856.462.001) (41.128.451.790)
Li t hot ng khc 18 205.210.089.890 239.164.026.730
Thu nhp t gp vn, mua c phn 3.462.425.773 1.879.152.229
TNG THU NHP HOT NG 889.307.086.316 514.494.964.647
Chi ph tin lng (192.265.425.756) (124.570.957.846)
Chi ph khu hao (27.146.820.692) (27.325.684.984)
Chi ph hot ng khc (203.723.039.263) (173.654.944.877)
TNG CHI PH HOT NG (423.135.285.711) (325.551.587.707)
Li nhun thun t hot ng kinh doanh trc chi ph d
phng ri ro tn dng
466.171.800.605 188.943.376.940
Chi ph DPRR cho cc khon cho vay khch hng v cc cam kt
ngoi bng
(80.826.522.852) (68.728.252.078)
BO CO KT QU
HOT NG KINH DOANH
cho nm ti chnh kt thc ngy 31 thng 12 nm 2013
Thuyt
minh
31/12/2013
VN
31/12/2012
VN
Chi ph d phng ri ro cho vay cc t chc
tn dng
(3.960.027.000) (3.862.500.000)
TNG LI NHUN TRC THU 381.385.250.753 116.352.624.862
Chi ph thu TNDN hin hnh - -
Chi ph thu TNDN hon li - -
Tng chi ph thu TNDN - -
LI NHUN SAU THU 381.385.250.753 116.352.624.862
Li c bn trn c phiu 10 688 386
BNG CN I K TON (tip theo)
H Ni, Vit Nam
BO CO THNG NIN 2013
52 53 www.tpb.vn
Thuyt
minh
Nm 2013
VN
Nm 2012
VN
LU CHUYN TIN T HOT NG KINH DOANH
Thu nhp li v cc khon thu nhp tng t nhn c 1.499.502.530.936 1.679.761.621.490
Chi ph li v cc chi ph tng t tr (985.643.218.759) (1.581.192.454.178)
Thu nhp t hot ng dch v nhn c 30.075.233.572 (10.345.560.379)
Chnh lch s tin thc thu/thc chi t hot ng kinh doanh chng
khon, vng bc, ngoi t
50.192.825.158 4.541.555.585
Thu nhp khc 17.263.277.959 39.423.605.332
Tin thu cc khon n c x l xo,
b p bng ngun d phng ri ro
21.000.000 3.280.378.804
Tin chi tr cho nhn vin v hot ng
qun l, cng v
(365.988.465.019) (304.925.902.723)
Tin thu thu nhp thc np/c hon trong k 67.432.270.864 -
Lu chuyn tin thun t hot ng kinh doanh trc nhng thay
i v ti sn v vn lu ng
312.855.454.711 (169.456.756.069)
Nhng thay i v ti sn hot ng (12.911.365.735.306) 4.830.775.018.246
(Tng)/Gim cc khon tin, vng gi v cho vay cc TCTD khc 120.209.166.667 1.375.518.917.269
(Tng)/Gim cc khon v kinh doanh chng khon (6.652.057.630.699) 2.888.426.452.137
(Tng)/Gim cc cng c ti chnh phi sinh v cc ti sn ti chnh khc (7.965.500.225) -
Tng cc khon cho vay khch hng (5.842.961.427.445) (2.418.559.064.288)
Gim ngun d phng b p tn tht cc khon (tn dng, chng
khon, u t di hn)
(80.673.410.390) (31.951.507.716)
(Tng)/Gim khc v ti sn hot ng (447.916.933.214) 3.017.340.220.844
Nhng thay i v cng n hot ng 16.468.934.663.128 (10.932.892.428.837)
Tng/(Gim) cc khon n Chnh ph v NHNN (833.787.253.030) 496.866.218.313
Tng/(Gim) cc khon tin gi, tin vay cc TCTD 10.630.572.258.287 (12.118.644.444.062)
Tng tin gi ca khch hng (bao gm c KBNN) 5.061.755.944.128 3.027.698.117.571
Tng/(Gim) pht hnh giy t c gi (ngoi tr giy t c gi pht hnh
c tnh vo hot ng ti chnh)
1.589.192.000.000 (1.692.718.796.881)
Tng/(Gim) vn ti tr, u thc u t, cho vay m TCTD chu ri ro - (107.662.000.000)
Gim cc cng c ti chnh phi sinh v cc khon n ti chnh khc (7.436.054.809) (42.099.470.507)
Tng/(Gim) khc v cng n hot ng 28.637.768.552 (496.332.053.271)
Chi t cc qu ca TCTD - -
Lu chuyn tin thun t hot ng kinh doanh 3.870.424.382.533 (6.271.574.166.660)
BO CO
LU CHUYN TIN T
Thuyt
minh
Nm 2013
VN
Nm 2012
VN
LU CHUYN TIN T HOT NG U T
Mua sm ti sn c nh (32.117.301.058) (23.459.264.105)
Tin thu t thanh l, nhng bn TSC - 212.949.891
Tin chi t thanh l, nhng bn TSC - (253.036.288)
Mua sm bt ng sn u t - -
Tin thu t bn, thanh l bt ng sn u t - -
Tin chi ra do bn, thanh l bt ng sn u t - -
Tin chi u t, gp vn vo cc n v khc - -
Tin thu u t, gp vn vo cc n v khc - -
Tin thu c tc v li nhun c chia t cc khon u t, gp vn
di hn
3.462.425.773 1.879.152.229
Lu chuyn tin thun t hot ng u t (28.654.875.285) (21.620.198.273)
LU CHUYN TIN T HOT NG TI CHNH
Tng vn c phn t gp vn v/hoc pht hnh c phiu - 1.530.000.000.000
Tin thu t pht hnh giy t c gi di hn c iu kin tnh vo vn
t c v cc khon vn vay di hn khc
- -
Tin chi thanh ton giy t c gi di hn c iu kin tnh vo vn
t c v cc khon vn vay di hn khc
- -
C tc tr cho c ng, li nhun chia - -
Tin chi ra mua c phiu ngn qu - -
Tin thu c do bn c phiu ngn qu - -
Lu chuyn tin thun t hot ng ti chnh - 1.530.000.000.000
Lu chuyn tin thun trong nm 3.841.769.507.248 (4.763.194.364.933)
Tin v cc khon tng ng tin ti thi im u nm 2.682.075.049.067 7.445.269.414.000
iu chnh nh hng ca thay i t gi - -
Tin v cc khon tng ng tin ti thi im cui nm 19 6.523.844.556.315 2.682.075.049.067
BO CO LU CHUYN TIN T (tip theo)
H Ni, Vit Nam
BO CO THNG NIN 2013
54 55 www.tpb.vn
1. C IM HOT NG CA NGN HNG
ti nc Cng ha X hi Ch ngha Vit Nam.
Thnh lp v Hot ng
ti nc Cng ha X hi Ch ngha Vit Nam vo ngy 5 thng 5 nm 2008 theo Giy php thnh lp s 123/GP-NHNN ca
Thng c Ngn hng Nh Nc Vit Nam (NHNN); Giy php thnh lp ca Ngn hng c iu chnh, sa i v b sung
theo Quyt nh s 2132/Q-NHNN ngy 27 thng 9 nm 2011 ca Thng c NHNN. Thi hn hot ng ca Ngn hng l
99 nm k t ngy cp Giy php thnh lp s 123/GP-NHNN. Giy chng nhn ng k kinh doanh ca Ngn hng c ng
k ln u ngy 12 thng 5 nm 2008 v ng k thay i ln th vo 19 vo ngy 27 thng 11 nm 2013.
Hot ng chnh ca Ngn hng l thc hin cc giao dch ngn hng bao gm huy ng v nhn tin gi ngn hn, trung hn
v di hn t cc t chc v c nhn; cho vay ngn hn, trung hn v di hn i vi cc t chc v c nhn trn c s tnh
cht v kh nng ngun vn ca Ngn hng; thc hin cc giao dch ngoi t, cc dch v ti tr thng mi quc t, chit khu
thng phiu, tri phiu v cc giy t c gi khc, kinh doanh vng v cc dch v ngn hng khc c Ngn hng Nh nc
Vit Nam (c gi tt l NHNN) cho php.
Vn iu l
S vn iu l ca Ngn hng ti thi im ngy 31 thng 12 nm 2013 l 5.550.000.000.000 ng (ti thi im ngy 31
thng 12 nm 2012: 5.550.000.000.000 ng).
Mng li Hot ng
Ngn hng c tr s chnh t ti To nh TTC, ph Duy Tn, phng Dch Vng Hu, qun Cu Giy, H Ni, Vit Nam. Vo thi
im 31 thng 12 nm 2013, Ngn hng c mt (1) Hi s chnh, mi ba (13) chi nhnh (trong c 3 chi nhnh c NHNN
Vit Nam cp php thnh lp vo ngy 27 thng 12 nm 2013 nhng cha i vo hot ng trong nm 2013), mi chn (19)
phng giao dch v bn (4) qu tit kim ti cc tnh v thnh ph trn c nc.
Nhn vin
Tng s cn b cng nhn vin ca Ngn hng vo ngy 31 thng 12 nm 2013 l 1.183 ngi (ti ngy 31 thng 12 nm
2012: 831 ngi).

THUYT MINH
BO CO TI CHNH
ti ngy 31 thng 12 nm 2013 v cho nm ti chnh kt thc cng ngy
2. TIN MT, VNG BC, QU

31/12/2013
VN
31/12/2012
VN
Tin mt bng VN 179.939.296.000 51.588.047.400
Tin mt bng ngoi t 80.205.584.985 13.732.722.447
Vng 34.654.357.500 -
294.799.238.485 65.320.769.847
3. TIN GI TI NGN HNG NH NC VIT NAM

31/12/2013
VN
31/12/2012
VN
Tin gi ti NHNN
- Bng VN 225.531.467.817 363.047.147.328
- Bng ngoi t 929.647.103 1.265.091.054
226.461.114.920 364.312.238.382
4. TIN, VNG GI TI V CHO VAY CC TCTD KHC
31/12/2013
VN
31/12/2012
VN
Tin, vng gi ti cc TCTD khc 4.709.214.236.243 1.894.442.040.838
Cho vay cc TCTD khc 1.330.160.800.000 515.000.000.000
6.039.375.036.243 2.409.442.040.838
D phng ri ro cho vay/ tin gi ti cc TCTD khc (183.717.943.666) (220.862.500.000)
5.855.657.092.577 2.188.579.540.838
4.1 Tin, vng gi ti cc TCTD khc
31/12/2013
VN
31/12/2012
VN
Tin, vng gi khng k hn
- Bng VN 443.597.033.516 1.616.351.410.134
- Bng ngoi t, vng 191.979.969.394 75.090.630.704
Tin, vng gi c k hn
- Bng VN 3.812.790.833.333 203.000.000.000
- Bng ngoi t, vng 260.846.400.000 -
D phng ri ro tin, vng gi ti cc TCTD khc (18.395.416.666) (59.500.000.000)
4.690.818.819.577 1.834.942.040.838
ti ngy 31 thng 12 nm 2013 v cho nm ti chnh kt thc cng ngy
THUYT MINH BO CO TI CHNH (tip theo)
BO CO THNG NIN 2013
56 57 www.tpb.vn
4.2 Cho vay cc TCTD khc
31/12/2013
VN
31/12/2012
VN
Bng VN 535.000.000.000 515.000.000.000
Bng vng, ngoi t 795.160.800.000 -
D phng ri ro cho vay cc TCTD khc (165.322.527.000) (161.362.500.000)
1.164.838.273.000 353.637.500.000
5. CHNG KHON KINH DOANH
u t vo chng khon kinh doanh ti ngy 31 thng 12 bao gm:

31/12/2013
VN
31/12/2012
VN
Chng khon N - -
Chng khon Chnh ph - -
Chng khon do cc TCTD khc trong nc
pht hnh
- -
Chng khon do cc TCKT trong nc pht hnh - -
Chng khon n nc ngoi - -
Chng khon Vn 212.816.649.813 34.328.094.136
Chng khon vn do cc TCTD khc pht hnh - -
Chng khon vn do cc TCKT trong nc pht hnh 212.816.649.813 34.328.094.136
Chng khon vn nc ngoi - -
Chng khon kinh doanh khc - -
D phng gim gi chng khon kinh doanh (38.455.490.360) (12.755.384.135)
174.361.159.453 21.572.710.001

Theo lut cc t chc tn dng 47/2010/QH12, c hiu lc t ngy 1 thng 1 nm 2011, cc TCTD khng c php t kinh
doanh chng khon. Trong nm 2013, danh mc chng khon kinh doanh ca Ngn hng tng ln l do Ngn hng nhn li
danh mc c phiu hnh thnh t cc hp ng y thc u t k kt gia Ngn hng vi Cng ty C phn Qun l Qu
u t FPT t nm 2010.
Thuyt minh v tnh trng nim yt ca cc chng khon kinh doanh nh sau:
31/12/2013
VN
31/12/2012
VN
Chng khon N
nim yt - -
Cha nim yt - -
Chng khon Vn
nim yt 161.779.816.482 34.328.094.136
Cha nim yt 51.036.833.331 -
Chng khon kinh doanh khc
nim yt - -
Cha nim yt - -
212.816.649.813 34.328.094.136
6. CHO VAY KHCH HNG
31/12/2013
VN
31/12/2012
VN
Cho vay cc t chc kinh t, c nhn trong nc 11.778.244.885.909 6.043.645.126.205
Cho vay chit khu thng phiu v cc giy t c gi 105.934.741.108 38.331.320.005
Cc khon tr thay khch hng - 1.053.556.683
N tn ng khng c Ti sn m bo v khng cn i tng thu
hi n 41.811.803.321 -
11.925.991.430.338 6.083.030.002.893
6. 1 Phn tch cht lng n cho vay
31/12/2013
VN
31/12/2012
VN
N tiu chun 11.397.651.912.424 5.610.740.066.767
N cn ch 251.032.950.042 249.498.827.298
N di tiu chun 15.305.178.046 31.954.945.539
N nghi ng 29.904.964.968 104.370.037.828
N c kh nng mt vn 190.284.621.537 86.466.125.461
N tn ng khng c Ti sn m bo v khng cn i tng thu n 41.811.803.321 -
11.925.991.430.338 6.083.030.002.893
ti ngy 31 thng 12 nm 2013 v cho nm ti chnh kt thc cng ngy ti ngy 31 thng 12 nm 2013 v cho nm ti chnh kt thc cng ngy
THUYT MINH BO CO TI CHNH (tip theo) THUYT MINH BO CO TI CHNH (tip theo)
BO CO THNG NIN 2013
58 59 www.tpb.vn
6. 2 Phn tch d n theo thi gian cho vay gc
31/12/2013
VN
31/12/2012
VN
N ngn hn 8.229.418.502.334 4.413.048.051.984
N trung hn 1.772.438.962.321 793.805.694.712
N di hn 1.924.133.965.683 876.176.256.197
11.925.991.430.338 6.083.030.002.893
7. CHNG KHON U T
31/12/2013
VN
31/12/2012
VN
Chng khon u t sn sng bn
Chng khon N
Chng khon Chnh ph 5.000.169.104.788 2.272.903.267.638
Chng khon N ca cc TCTD khc trong nc 2.491.440.000.000 733.248.000.000
Chng khon N ca cc TCKT trong nc 4.284.658.769.134 2.534.150.874.771
Chng khon N nc ngoi - -
11.776.267.873.922 5.540.302.142.409
D phng gim gi chng khon u t sn sng bn (30.000.000.000) (286.981.872.905)
11.746.267.873.922 5.253.320.269.504
Chng khon u t gi n ngy o hn
Chng khon Chnh ph 283.333.300.000 200.000.000.000
Tri phiu Cng ty Qun l Ti sn ca cc TCTD Vit Nam 109.570.043.509 -
Tri phiu Cng ty mua bn n v ti sn tn ng ca doanh nghip 44.700.000.000 -
437.603.343.509 200.000.000.000
D phng gim gi chng khon u t gi n ngy o hn - -
437.603.343.509 200.000.000.000
12.183.871.217.431 5.453.320.269.504
8. TIN GI V VAY CC TCTD KHC
31/12/2013
VN
31/12/2012
VN
Tin, vng gi cc TCTD khc
- Bng VN 159.916.632.843 33.702.210.135
- Bng ngoi t, vng 1.794.472.761 1.774.177.182
Tin, vng gi c k hn
- Bng VN 6.306.120.000.000 -
- Bng ngoi t, vng 210.360.000.000 -
Vay cc t chc tn dng
- Bng VN 4.220.138.100.000 696.226.000.000
- Bng ngoi t, vng 495.187.440.000 31.242.000.000
11.393.516.645.604 762.944.387.317
9. TIN GI CA KHCH HNG
31/12/2013
VN
31/12/2012
VN
Tin gi khng k hn bng VN 1.986.096.453.938 1.291.536.478.708
Tin gi tit kim khng k hn bng VN 3.605.398.884 4.799.102.665
Tin gi khng k hn bng ngoi t 155.902.626.595 62.336.064.340
Tin gi tit kim khng k hn bng ngoi t 47.029.703 792.113
Tin, vng gi c k hn
Tin gi c k hn bng VN 3.520.558.726.511 3.082.610.648.457
Tin gi tit kim c k hn bng VN 6.710.200.431.727 4.450.570.549.899
Tin gi c k hn bng ngoi t 468.963.655.821 32.865.133.793
Tin gi tit kim c k hn bng ngoi t 1.427.461.397.788 330.818.349.099
Tin gi vn chuyn dng
Tin gi vn chuyn dng bng VN 1.050.421 1.036.058
Tin gi vn chuyn dng bng ngoi t 2.103.600 -
Tin k qu
Tin gi k qu bng VN 45.753.213.655 4.741.399.541
Tin gi k qu bng ngoi t 13.089.295.596 9.645.885.438
14.331.681.384.239 9.269.925.440.111

BO CO THNG NIN 2013
60 61 www.tpb.vn
10. LI/ (L) C BN TRN C PHIU
Li c bn trn c phiu c tnh bng s li nhun thun phn b cho cc c ng ca Ngn hng chia cho s lng bnh
qun gia quyn ca s c phiu ph thng ang lu hnh trong nm. Chi tit li c bn trn c phiu ca Ngn hng nh sau:
2013
VN
2012
VN
Li/(l) thun t hot ng kinh doanh 381.385.250.753 116.352.624.862
S c phiu u nm (c phiu) 554.719.644 299.719.644
nh hng ca c phiu ph thng pht hnh trong nm (c phiu) - 255.000.000
nh hng ca c phiu Qu mua li trong nm (c phiu) - -
Bnh qun gia quyn ca s c phiu ph thng sau nh hng (c
phiu) 554.719.644 301.809.808
Li c bn trn mi c phiu 688 386
11. C TC
n thi im lp bo co ti chnh ny, Hi ng Qun tr Ngn hng TMCP Tin Phong khng c quyt nh no v t l v
hnh thc chi tr c tc nm 2013 do Ngn hng vn ang trong tnh trng c l ly k.
12. THU NHP LI V CC KHON THU NHP TNG T
2013
VN
2012
VN
Thu nhp li tin gi 93.302.677.873 102.599.857.147
Thu nhp li cho vay khch hng 783.402.041.468 545.315.515.009
Thu li t chng khon u t 785.806.733.134 730.287.947.146
Thu khc t hot ng tn dng 4.354.629.261 2.092.389.981
1.666.866.081.736 1.380.295.709.283
13. CHI PH LI V CC KHON CHI PH TNG T
2013
VN
2012
VN
Tr li tin gi 808.176.055.055 991.490.744.110
Tr li tin vay 211.986.406.089 70.089.515.824
Tr li pht hnh giy t c gi 47.640.753.429 43.973.087.501
Chi ph hot ng tn dng khc 1.622.699.767 124.731.880
1.069.425.914.340 1.105.678.079.315
14. LI/ (L) THUN T HOT NG DCH V
2013
VN
2012
VN
Thu nhp t hot ng dch v
Thu t dch v thanh ton 22.679.494.280 9.830.060.428
Thu t dch v bo lnh 13.137.962.631 4.038.732.466
Thu t dch v ngn qu 894.098.394 476.336.442
Thu t dch v y thc v i l - -
Thu t dch v t vn 378.494.404 816.975.829
Thu t kinh doanh v dch v bo him 1.295.280 4.504.878
Thu khc 7.688.797.371 2.425.684.130
Chi ph hot ng dch v
Chi v dch v thanh ton (9.925.472.769) (7.595.820.834)
Chi v ngn qu (3.750.883.397) (1.298.114.376)
Chi v nghip v y thc v i l (68.204.268) (6.584.942.891)
Chi v dch v t vn (18.705.079) (10.002.205.000)
Chi v hoa hng, mi gii (105.751.800) (1.964.401.331)
Chi khc (835.891.475) (492.370.120)
Li thun t hot ng dch v 30.075.233.572 (10.345.560.379)
15. LI/ (L) THUN T HOT NG KINH DOANH NGOI HI
2013
VN
2012
VN
Thu nhp t hot ng kinh doanh ngoi hi
Thu t kinh doanh ngoi t giao ngay v vng 23.242.313.937 6.016.066.642
Thu t cc cng c ti chnh phi sinh tin t 38.980.553.076 14.375.041.776
Chi ph hot ng kinh doanh ngoi hi
Chi v kinh doanh ngoi t giao ngay v vng (25.388.681.341) (5.890.184.192)
Chi v cc cng c ti chnh phi sinh tin t (25.117.668.688) (8.836.536.602)
Li thun t hot ng kinh doanh ngoi hi 11.716.516.984 5.664.387.624
BO CO THNG NIN 2013
62 63 www.tpb.vn
16. LI/ (L) THUN T HOT NG KINH DOANH (MUA BN) CHNG KHON KINH DOANH
2013
VN
2012
VN
Thu nhp t mua bn chng khon kinh doanh 5.502.341.188 2.967.026.328
Chi ph v mua bn chng khon kinh doanh (988.465.960) -
Chi ph/ Hon d phng gim gi chng khon kinh doanh 15.864.881.041 3.851.720.001
Li thun t hot ng kinh doanh (mua bn) chng khon kinh doanh 20.378.756.269 6.818.746.329
17. LI/ (L) THUN T HOT NG KINH DOANH (MUA BN) CHNG KHON U T
2013
VN
2012
VN
Thu nhp t mua bn chng khon u t 35.058.290.760 -
Chi ph v mua bn chng khon u t (192.521.422) (3.303.417.854)
Chi ph d phng gim gi chng khon u t (13.841.872.906) -
Li thun t hot ng kinh doanh (mua bn) chng khon u t 21.023.896.432 (3.303.417.854)
Thu nhp t mua bn chng khon sn sng bn 35.058.290.760 -
Chi ph v mua bn chng khon sn sng bn (192.521.422) (3.303.417.854)
D phng gim gi chng khon sn sng bn (13.841.872.906) -
Li/(L) thun t hot ng kinh doanh chng khon sn sng bn 21.023.896.432 (3.303.417.854)
Li/(L) thun t hot ng kinh doanh chng khon gi n ngy
o hn - -
Li/(L) thun t hot ng kinh doanh chng khon u t 21.023.896.432 (3.303.417.854)
18. LI/(L) THUN T HOT NG KHC
2013
VN
2012
VN
Thu nhp t hot ng khc 212.066.551.891 280.292.478.520
Thu nhp t n xu c x l (gc) 21.000.000 3.280.378.804
Thu t thanh l ti sn 59.995.454 212.949.891
Thu t cc cng c ti chnh phi sinh khc 5.564.118.358 23.008.688.421
Thu t hon nhp d phng 187.925.811.931 196.688.227.163
Thu nhp khc 18.495.626.148 57.102.234.241
Chi t hot ng khc (6.856.462.001) (41.128.451.790)
Chi t cng c ti chnh phi sinh khc (4.430.940.256) (10.776.278.564)
Chi v hot ng kinh doanh khc - (16.810.203.105)
Chi ph khc (2.425.521.745) (13.541.970.121)
Li/(l) thun t hot ng khc 205.210.089.890 239.164.026.730

19. TIN V CC KHON TNG NG TIN
Tin v cc khon tng ng tin thun th hin trn bo co lu chuyn tin t bao gm cc khon trn bng
cn i k ton sau y:
31/12/2013
VN
31/12/2012
VN
Tin v cc khon tng ng tin ti qu 294.799.238.485 65.320.769.847
Tin gi ti Ngn hng Nh nc 226.461.114.920 364.312.238.382
Tin gi thanh ton ti cc TCTD khc 635.577.002.910 1.691.442.040.838
Tin gi ti v cho vay cc TCTD khc c k hn di 3 thng 5.367.007.200.000 561.000.000.000
6.523.844.556.315 2.682.075.049.067
20. TNH HNH THU NHP CA CN B CNG NHN VIN
2013
VN
2012
VN
I. Tng s cn b, cng nhn vin bnh qun (ngi) 1.000 737
II. Thu nhp ca cn b, cng nhn vin (VN)
1. Tng qu lng 180.643.846.612 117.693.165.230
2. Tin thng - -
3. Thu nhp khc - -
4. Tng thu nhp (1+2+3) 180.643.846.612 117.693.165.230
5. Tin lng bnh qun 180.568.610 159.692.220
6. Thu nhp bnh qun 180.568.610 159.692.220
H Ni, Vit Nam
BO CO THNG NIN 2013
64 65 www.tpb.vn
H THNG
MNG LI
THNH PH H NI
TPBank Hon Kim
S 17 L Thng Kit, Qun Hon Kim
TPBank Nam H Ni
S 236 L Thanh Ngh, Qun Hai B Trng
TPBank inh Tin Hong
S 7 inh Tin Hong, Qun Hon Kim
TPBank L Ngc Hn
S 44 L Ngc Hn, Qun Hai B Trng
TPBank Hai B Trng
S 300 - 302 Trn Kht Chn, Qun Hai B Trng
TPBank Khm Thin
S 158 Khm Thin, Qun ng a
TPBank H Ni
Ta nh TL, s 22 Lng H, Qun ng a
TPBank ng
Tng 1, ta nh LICOGI 13, Khut Duy Tin,
Qun Thanh Xun
TPBank Trung Ha Nhn Chnh
Tng 1, ta nh 24T, Khu th mi
Trung Ha Nhn Chnh, Qun Thanh Xun
TPBank H Thnh
S 2 Cha Bc, Qun ng a
TPBank Ba nh
S 37 Phan nh Phng, Qun Ba nh
TPBank ng a
L 1+16 khu B, Hong Cu, Qun ng a
TPBank Thng Long
S 129 - 131 Hong Quc Vit, Qun Cu Giy
TPBank Phm Hng
Ta nh FPT, ph Duy Tn, Qun Cu Giy
TPBank Nguyn Tri
S 501 Nguyn Tri, Qun Thanh Xun
TPBank Linh m
Bit th 10BT1, KT Bc Linh m, Nguyn Hu Th,
Qun Hong Mai
TPBank M nh
Tng 1 C3, M nh I, Nguyn C Thch, Qun T Lim
TPBank Thnh
S 7 Trn Ph, Qun H ng
THNH PH HI PHNG
TPBank Hi Phng
S 8-10 Cu t, Qun Ng Quyn
TPBank T Hiu
S 312 T Hiu, Qun L Chn
TR S CHNH
Tng 3 - 4, Ta nh TTC, Ph Duy Tn, Qun Cu Giy, H Ni
THNH PH NNG
TPBank Nng
S 155 Nguyn Vn Linh, Qun Thanh Kh
THNH PH H CH MINH
TPBank H Ch Minh
S 153 Nguyn nh Chiu, Phng 6, Qun 3
TPBank Nguyn Oanh
S 112 - 114 Nguyn Oanh, Phng 7, Qun G Vp
TPBank Cng Ha
S 77 Cng Ho, Phng 4, Qun Tn Bnh
TPBank Gia nh
S 481 - 483 Bch ng, Phng 2, Qun Bnh Thnh
TPBank Bnh Ty
S 224 Hi Thng Ln ng, Phng 14, Qun 5
TPBank Ty Si Gn
S 290 Lnh Binh Thng, Phng 11, Qun 11
TPBank T Hin Thnh
S 136 T Hin Thnh, Phng 16, Qun 10
TPBank Tn Bnh
S 301 Nguyn Vn Tri, Phng 1, Qun Tn Bnh
TPBank Si Gn
S 164B - 166 L Hng Phong, Phng 3, Qun 5
TPBank Ph M Hng
Broadway C, s 150 Nguyn Lng Bng,
Phng Tn Ph, Qun 7
TPBank Bn Thnh
S 385B Cch Mng Thng 8, Phng 13, Qun 10
TNH NG NAI
TPBank ng Nai
S 264A, khu ph 2, Phm Vn Thun, TP. Bin Ha
THNH PH CN TH
TPBank Cn Th
S 135 Trn Hng o, Phng An Ph, Qun Ninh Kiu
TNH AN GIANG
TPBank An Giang
Ta nh 204-204A, Trn Hng o, Phng M Bnh,
TP. Long Xuyn
TNH BNH DNG
TPBank Bnh Dng
S 309A - 311 i l Bnh Dng, Phng Chnh Ngha,
TP. Th Du Mt
BO CO THNG NIN 2013
66 67 www.tpb.vn
DANH SCH
NGN HNG LIN KT
An Binh Commercial Joint Stock Bank, Vit Nam
Asia Commercial Bank, Vit Nam
Australia and New Zealand Banking Group Ltd, Vng quc Anh
Australia and New Zealand Banking Group Ltd, c
Bank of Tokyo-Mitsubishi UFJ, Ltd, Nht Bn
Bank of Tokyo-Mitsubishi UFJ, LTD, Singapore Branch, Singapore
Banque Internationale A Luxembourg S.A, Luxembourg
BaoViet Joint Stock Commercial Bank, Vit Nam
Bayerische Hypo-Und Vereins Bank Paris, Php
BHF-BANK Aktiengesellschaft, c
BNP-Paribas SA (formerly Banque Nationale de Paris) Head Office, Php
Chengdu Rural Commercial Bank, Trung Quc
China Construction Bank Corporate, HCM Branch, Vit Nam
Citibank Europe Plc, Hungarian Branch, Hungary
Citibank Europe Plc, Organizacni Slozka, Cng ha Sc
Citibank International PLC, an Mch
Citibank International PLC, Norway Branch, Na Uy
Citibank N.A, Vng quc Anh
CitiBank N.A, Vit Nam
Citibank South Africa, Nam Phi
CitiBank Taiwan Ltd., i Loan
CitiBank, N.A, Hoa K
CitiBank, N.A.,
CitiBank, N.A.,Singapore Branch, Singapore
Commerzbank AG,
Deutsche Bank AG, c
DongA Bank, Vit Nam
First Bank, Hoa K
Hochiminh City Development Joint Stock Commercial Bank, Vit Nam
Hua Nan Commercial Bank, Ltd, HCMC Branch, Vit Nam
Hypo Alpe-Adria-Bank D.D., Slovenia
Industrial & Commercial Bank of China, Hoa K
Industrial & Commercial Bank of China, Singapore
Industrial & Commercial Bank of China (Moscow), Nga
Industrial & Commercial Bank of China Ltd, Dubai (DIFC) Branch, Cc tiu
Vng quc Rp thng nht
Industrial & Commercial Bank of China, Hanoi Branch, Vit Nam
Industrial & Commercial Bank of China, Head Office, Trung Quc
Industrial & Commercial Bank of China, Karachi Branch, Pakistan
Industrial & Commercial Bank of China, Seoul Branch, Hn Quc
Industrial Bank Co., Ltd, Trung Quc
Industrial Bank of Korea, Vit Nam
Intesa Sanpaolo SPA Head Office,
Joint Stock Commercial Bank for Foreign Trade of Vietnam, Vit Nam
Joint Stock Commercial Bank for Investment & Development of Vietnam,
Vit Nam
JPMorgan Chase Bank (China) Company Ltd, Trung Quc
JPMorgan Chase Bank Berhad, Kuala Lumpur, Malaysia
JPMorgan Chase Bank, N.A.,Hoa K
JPMorgan Chase Bank, N.A., Indonesia
JPMorgan Chase Bank, N.A., (European Headquaters), Vng quc Anh
JPMorgan Chase Bank, N.A., Singapore Branch, Singapore
JPMorgan Chase Bank, N.A., HongKong Branch, Hng Kng
JPMorgan Chase Bank, N.A., Mumbai Branch, n
JPMorgan Chase Bank, N.A., Philippines Branch, Philippines
JPMorgan Chase Bank, N.A., Seoul Branch, Hn Quc
JPMorgan Chase Bank, N.A., Taipei Branch, i Loan
JPMorgan Chase Bank, N.A., Thailand Branch, Thi Lan
JPMorgan Chase Bank, N.A., Tokyo Branch, Nht Bn
JPMorgan Chase Bank, N.A., Vit Nam
KBC Bank NV, B
Landesbank Baden-Wuerttemberg, c
Lien Viet Post Joint Stock Commercial Bank, Vit Nam
MCB Bank Limited, Sri Lanka
Military Commercial Joint Stock Bank, Vit Nam
Mizuho Bank, Ltd., Nht Bn
Mizuho Bank, Ltd., Hanoi Branch, Vit Nam
Mizuho Bank, Ltd., Singapore Branch, Singapore
Mizuho Bank, Ltd., Sydney Branch, c
Mizuho Bank, Ltd., Manila Branch, Philippines
Mizuho Bank, Ltd., Taipei Branch, i Loan
Mizuho Bank (Malaysia) Berhad, Malaysia
Orient Commercial Joint Stock Bank, Vit Nam
Petrolimex Group Commercial Joint Stock Bank, Vit Nam
Public Bank Bhd, Malaysia
Sai Gon - Ha Noi Commerical Joint Stock Bank, Vit Nam
Sai Gon Thuong Tin Commercial Joint Stock Bank, Vit Nam
Saigon Commercial Bank, Vit Nam
Shanghai Commercial & Savings Banking, Ltd., i Loan
Shinhan Bank, Hoa K
Skandinaviska Enskilda Banken, Thy in
Skandinaviska Enskilda Banken AB, Hng Kng
Skandinaviska Enskilda Banken AB (PUBL), Singapore Branch, Singapore
Southeast Asia Commercial Joint Stock Bank, Vit Nam
Standard Chartered Bank (Vietnam) Limited, Vit Nam
Standard Chartered Bank Ltd., Vng quc Anh
Sumitomo Mitsui Banking Corporation, Nht Bn
Svenska Handelsbanken Hongkong Branch, Hng Kng
Towa Bank Ltd, Nht Bn
UkrsotsBank, U-crai-na
Unicredit Bank AG (Hypovereins Bank), c
Unicredit Bank AG Singapore Branch (Hypovereins Bank AG Singapore
Branch), Singapore
UniCredit S.P.A,
United Overseas Bank Ltd. HCMC Branch, Vit Nam
United Overseas Bank Ltd. Head Office, Singapore
Vietnam Bank for Agriculture & Rural Development, Vit Nam
Vietnam International Commercial Joint Stock Bank, Vit Nam
Vietnam Joint Stock Commercial Bank for Industry & Trade, Vit Nam
Vietnam Technological & Commercial Joint Stock Bank, Vit Nam
Vietnam Thuong Tin Commercial Joint Stock Bank, Vit Nam
Wells Fargo Bank, N.A. Hoa K
Wells Fargo Bank, N.A. Shanghai Branch, Trung Quc
Wells Fargo Bank, N.A. Hongkong Branch, Hng Kng
Wells Fargo Bank, N.A. London Branch, Vng quc Anh
Wells Fargo Bank, N.A. Seoul Branch, Hn Quc
Wells Fargo Bank, N.A. Taipei Branch, i Loan
Wells Fargo Bank, N.A. Tokyo Branch, Nht Bn
Woori America Bank, Hoa K
Woori Bank, Hanoi, Vit Nam
Woori Bank, Hochiminh, Vit Nam
Woori Bank, Seoul, Hn Quc
Zao CitiBank, Moscow, Nga
BO CO THNG NIN 2013
68 69 www.tpb.vn

Annual Report 2013 TV (BCTC) View

Enviado por

Dados do documento

Título original

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Annual Report 2013 TV (BCTC) View

Enviado por

Direitos autorais:

Formatos disponíveis

Tng quan v TPBank

Hot ng ngn hng

Você também pode gostar