Tieu Luan Qtnh Camel Bidv

TIU LUN: NG DNG M HNH CAMEL TRONG PHN TCH NH GI HIU QU HOT NG KINH DOANH TI NGN HNG U T V PHT TRIN BIDV NHM : LP: FIN20A 07 BUI HC: SNG TH 4 CA 2 PHNG: H410

[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL

Mc lc:Li ni u: ................................................................................................................................................ 3 ABI1. 2. 3. II1. 2. 3. 4. III1. 2. 3. IV1. 2. V1. 2. 3. 4. 5. 6. VIC. I. II. MC TIU DI HN .......................................................................................................................... 4 PHN TCH KT QU HOT NG KINH DOANH THEO M HNH CAMEL....................... 5 PHN TCH KH NNG T CN I VN (C-CAPITAL) .............................................................. 5 CAR: .................................................................................................................................................. 5 T s t ti tr .................................................................................................................................... 6 C cu ngun vn huy ng: ............................................................................................................. 6 CHT LNG TI SN (A- ASSETS)............................................................................................. 8 Tng trng tng ti sn .................................................................................................................... 8 C cu cc khon vay: ....................................................................................................................... 9 Phn loi n:.................................................................................................................................... 10 C cu cc khon mc u t: ......................................................................................................... 11 CHT LNG QUN L (M- MANAGEMENTS) ........................................................................ 12 M hnh qun l t chc v cc chnh sch qun l chung: ............................................................ 12 Kim ton ni b: ............................................................................................................................. 13 Pht trin ngun nhn lc: .............................................................................................................. 13 KH NNG SINH LI (E - EARNINGS STRENGTH).................................................................. 16 Kt qu hot ng kinh doanh ......................................................................................................... 16 C cu thu nhp:.............................................................................................................................. 17 TNH THANH KHON (L LIQUIDITY) ..................................................................................... 18 Tng trng tin gi: ....................................................................................................................... 18 Tin gi Khch Hng:...................................................................................................................... 20 Ch tiu d n/ tin gi: ................................................................................................................... 20 Ch tiu TM/ Tng n phi tr: ........................................................................................................ 21 Ti sn thanh khon/ Tng NPT: .................................................................................................... 21 T l v kh nng chi tr: ................................................................................................................. 21 NHY (S SENSITIVITY) ....................................................................................................... 22 Phn tch ROA, ROE v NIM da trn cng thc: .............................................................................. 23 Phn tch ROA , ROE thng qua phng php dupont: .................................................................. 25

M HNH PHN TCH KT QU TI CHNH CA NGN HNG ................................................... 23

NGAN HANG AU T VA PHAT TRIEN BIDV

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Li ni u:Nhng nm va qua l nhng nm y th thch vi h thng Ngn Hng ti Vit Nam. Nhng tn tch ca cuc khng hong kinh t vn cha hon ton c khc phc th cc nh qun tr Ngn Hng tip tc phi au u tm li gii cho nhiu bi ton kh nh p lc huy ng vn, kim sot cht ch tn dng, chy ua li sut, xu hng bin ng khn lng ca t gi ri nhng p lc nng cao cht lng dch v ti chnh Ngn Hng mnh. Trong nhng nm gn y, nhng kh khn trong ngnh Ngn Hng ngy cng tr thnh vn ni cm. Trong nm 2010, tng trng tn dng t 27.65%, vt qua mc cn ca NHTW l 25%. Khng ch nng v tng trng tn dng, m n cui nm NHTW cng phi gia hn tng vn iu l gim thiu p lc tng vn cho nhiu Ngn Hng. Hng v nhng giai on pht trin trong tng lai, mt khi nn kinh t Vit Nam tr nn m hn th sn chi khng ch dnh ring cho nhng Ngn Hng trong nc m cn phi n nhn nhng v khch vi ngun vn khng l v dy dn kinh nghim v ti chnh ngn hng. Ngnh Ngn Hng chc chn s tr nn pht trin v lut chi cng cng bng hn nhng bn cnh s cnh tranh th phn cng s khc lit hn. V cng chnh l mt nguyn nhn khin cho vic nh gi chnh xc hiu qu hot ng ci thin nhng tn ti, nhng thiu st trong h thng Ngn Hng ni chung v mi Ngn Hng ni ring li tr thnh vn cp thit hn bao gi ht. Vic phn tch, nh gi hot ng ca mi Ngn Hng khng ch xa i nhng mng ti m cn to ci ni nui dng nhng tng sng to cng xy dng 1 bc tranh ca ngnh ti chnh Ngn Hng Vit Nam ti sng hn, p hn. Bi nhng l do , chng ti s dng m hnh CAMELS nh gi hiu qu hot ng kinh doanh ca mt ngn hng i din trong khi Ngn Hng ln l BIDV. Khng phi ngu nhin m chng ti chn BIDV. Chng ti chn BIDV bi h l mt nh ch ti chnh tm c quc gia v khu vc, mt mt xch quan trng trong h thng Ngn Hng, c kh nng nh hng ln n c h thng. Hn na, BIDV l mt ngn hng hot ng di m hnh cng ty trch nhim hu hn mt thnh vin m Nh Nc lm ch s hu ang trong tin trnh c phn ha, cng vi Agribank l trung gian Nh nc thc hin nhiu chnh sch tin t v cc n an sinh x hi. BIDV khng phi l ngn hng s hu nhng ch s p nht ngnh chng t h cn nhng thiu st hoc nhng kh khn no . Bi vy, chng ti mun phn tch nh gi hot ng kinh doanh tm ra nhng kh khn ca BIDV v liu vi pht trin nh vy, liu h c ng vng trn th trng khi c phn ha thnh cng hay khng v h s lm g ginh git th phn khi phi tip nhng b gi n t cc nn vn ha khc.


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL A- MC TIU DI HN

Trong bi cnh nn kinh t trong v ngoi nc din bin phc tp, mc tiu ca BIDV l tip tc khng nh v th nh ch ti chnh hng u ca t nc, lun theo st din bin th trng ti chnh tin t a ra nhng sch lc nhm t hiu qu kinh doanh cao nht, gp phn thc thi hiu qu chnh sch tin t, chnh sch kinh t v m, thc hin ch trng thc y tng trng, chng suy gim kinh t v m bo an sinh x hi. thc hin thnh cng nhng mc tiu a hoch nh, BIDV s tp trung vo mt s ni dung trng yu sau: Th nht, m bo an ton hot ng ca h thng, gia tng ngun vn p ng nhu cu pht trin kinh t t nc, gp phn c hiu qu trong vic kim ch lm pht, bnh n tin t, n nh kinh t v m. Th hai, hon thnh ng b, ton din tt c cc ch tiu k hoch 2011, to nn tng vng chc cho vic thc hin k hoch chin lc nm 2011 - 2015, tm nhn 2020. Th ba, chuyn dch mnh c cu k hn ca ngun vn theo hng tng trng huy ng vn trung di hn; c cu li v nng cao cht lng ti sn n-c; y mnh hn na hot ng ngn hng bn l trn nn tng cng ngh thng tin hin i; phn u ci thin hn na xp hng nng lc ti chnh ca BIDV. Th t, tip tc thc hin cc cng vic trong l trnh c phn ha BIDV, chun b nhng iu kin tt nht cho NHTMCP BIDV hot ng v hng ti xy dng Tp on Ti chnh Ngn hng BIDV theo m hnh Cng ty m - con. Th nm, thng qua hot ng u t hp tc kinh t, u t thng mi, kt ni c hiu qu th trng ti chnh Vit Nam vi cc th trng cc nc trong khu vc, nng tm nh hng v v th ca BIDV ti cc th trng nc ngoi.


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL B- PHN TCH KT QU HOT NG KINH DOANH THEO M HNH CAMEL

I- Phn tch kh nng t cn i vn (C-Capital): Cc ch tiu s dng phn tch: - CAR - H s t ti tr VCSH/TTS - C cu tin gi Ni dung phn tch: 1. CAR:CAR(VAS)

11% 9.16% 8.94% 9.53% 9.32%

2006

2007

2008

2009

2010

VN CH S HU Vn iu l Vn mua sm ti sn c nh (TSC) Vn khc Cc qu d tr Qu chnh lch t gi do chuyn i bo co ti chnh Chnh lch nh gi li ti sn Qu nh gi li ti sn ti chnh sn sng bn L ly k TNG VN CH S HU

2009 10,498,568 1,916,096 3,921,879 165,449 (351,703) (2,173,041) 13,977,248

2010 14,599,713 1,916,971 43,175 5,895,916 287,720 11,227 (265,632) (1,906,523) 20,582,567

Thay i 4,101,145 875 43,175 1,974,037 122,271 11,227 86,071 266,518 6,605,319 -24.47% -12.26% 47.26% 50.33% 73.90% 39.06% 0.05%

Bng 1-1: C cu vn ch s hu nm 2009 v nm 2010 (n v: Triu VND)NGAN HANG AU T VA PHAT TRIEN BIDV Page 5


- BIDV duy tr tng i tt tt yu cu m bo an ton vn cho hot ng ca mnh: H s CAR ca BIDV lun m bo theo quy nh ti thiu v h s an ton vn. H s CAR 2010 theo tiu chun VAS t 9.32% ( quy nh ti thiu ca ngn hng nh nc l 9%- thng t 13).Vi h s CAR nh trn gip BIDV c th m bo c vic h tr thanh ton cc khon n n hn , cng nh h tr thm cc hot ng kinh doanh ca Ngn hng. H s CAR ca BIDV c xu hng tng, n 2010 c gim so vi 2009 nhng khng ng k (2009 : 9.53%) l do hot ng tn dng ca BIDV ngy cng m rng vi cc danh mc u t ri ro. T uy nhin h s CAR ca BIDV vn t trn mc ti thiu theo quy nh - Nhng nm gn y, hot ng ca BIDV ngy cng m rng vi vic m rng ngy cng nhiu loi hnh dch v ngn hng cng nh ngy cng i su vo cc lnh vc chp nhn ri ro( cc danh mc cho vay) chnh v th vn t c ng vai tr ht sc quan trng. Kt lun: H s an ton vn c m bo an ton, tiu chun l do: tc tng trng ca vn t c lun c m bo cng vi vic tng trng v m rng cc danh mc ri ro 2. T s t ti tr

400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000 VCSH/Tng ti sn VCSH Tng ti sn 2005 2.67% 3,150 117,976 2006 2.80% 4,428 158,165 2007 4.17% 8,405 201,382 2008 4.11% 9,969 242,316 2009 4.78% 13,977 292,198 2010 5.69% 20,583 361,954

Biu 1-2: Quy m tng trng ca t s t ti tr (n v: Triu VN) n 31.12.2010, vn ch s hu ca ngn hng t 14,559,713 triu ng, tng 39,06% so vi nm 2009, a t l vn ch s hu/ tng ti sn t mc 4,78% nm 2009 ln ti 5,69% nm 2010, gp phn nng co nng lc ti chnh ca ngn hng. t c kt qu ny l ch yu do vn iu l tng 4,101,145 triu ng (39.06%) v qu d tr tng mnh 1,974,037 triu ng (50.33%). Bn cnh , kt qu li nhun trong nm t mc cao khin cho l ly k ca ngn hng gim xung. 3. C cu ngun vn huy ng:Page 6

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Huy ng vn tng trng 24% so vi nm 2009( bo co thng nin 2010). Trong , khon mc tin gi huy ng ca cc cc nhn khng ngng tng trng v quy m v t trng.T trng Ch tiu 2007 75,318 52,004 8,014 135,336 2008 88,256 58,007 17,134 163,397 2009 89,804 74,232 23,244 187,280 2010 2007 2008 54.01% 35.50% 10.49% 100.00% 2009 47.95% 39.64% 12.41% 2010 49.25% 41.01% 9.73% 120,525 100,364 23,811 244,701 55.65% 38.43% 5.92% 100.00%

Tin gi ca TCKT Tin gi ca c nhn Tin gi ca cc i tng khc Tng

100.00% 100.00%

Bng 1-3: Phn loi tin gi theo i tng khch hng (n v: Triu VND)

140,000,000 120,000,000 100,000,000 80,000,000 60,000,000 40,000,000 20,000,000 2007 2008 2009 2010

Tin gi ca TCKT Tin gi ca c nhn Tin gi ca cc i tng khc

Biu 1-4: Biu v c cu tin gi phn loi theo i tng khch hng (n v: Triu VND)

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Tin gi c nhn c xu hng tng nhanh c v s tuyt i ln t trng qua 2 nm t 2007 n 2010. Nm 2010 cng l nm nh du bc tin vt bc trong hot ng bn l ca BIDV, gp phn nng cao tnh n nh v ti sn v ngun thu ca h thng.


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II- CHT LNG TI SN (A- ASSETS) Ch tiu nh gi: - Tng trng tng ti sn - C cu cc khon vay - Phn loi n - C cu cc khon u t Ni dung phn tch: 1. Tng trng tng ti sn - n 31.12.2010 Tng ti sn ca BIDV theo VAS t 366.268 t ng, theo IFRS t 361.954t ng. Vi quy m tng ti sn nh trn, BIDV vn gi v tr th 2 trn th trng ni a, sau Ngn hng Nng Nghip & Pht trin nng thn Vit Nam.

Bng 2-1: Tng trng tng ti sn qua cc nm 2006-2010 (n v: T VND)

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Tng ti sn nm nm 2010 tng 24% so vi nm 2009 ln hn tc tng tng ti sn nm 2009 so vi nm 2008 ( 20,5%) v gim nh so vi tc tng trng bnh qun 25% trong giai on 2005 - 2009 do quy m tng ti sn ngy mt tng cao v dn phc hi sau khi chu tc ng bt li t mi trng kinh doanh nhiu bin ng trong nm 2008-2009.


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL 2. C cu cc khon vay:

Ccuchovay 2010 % 2009 % 2008 % 233,807 155.12% 193,962 128.69% 150,725 100% CV thng mi 2,830 113.15% 2,878 115.07% 2,501 100% Cho thu ti chnh 14,780 245.96% 8,268 137.59% 6,009 100% Cho vay ODA Cho vay theo ch nh ca nh 445 35.71% 755 60.59% 1,246 100% nc 2,330 466.00% 539 107.80% 500 100% Cho vay y thc Cho vay v ng trc khch 206,402 128.21% 160,982 100% 254,192 157.90% hng rng Bng 2-1: C cu v t trng cc khon vay ca BIDV (n v: T VND) Chim t trng ln nht trong tng ti sn l hot ng tn dng vi t trng 69% (2009), 68.4% (2010). y l hot ng mang li thu nhp ch yu cho ngn hng BIDV. Tng d n c xu hng tng so vi nm 2008 c th nm 2009 tng 28%, nm 2010 tng 58%; chim t trng ln nht l cho vay thng mi sau n cho vay ODA, c bit cho vay theo ch nh ca nh nc c xu hng gim t 61% (2009) cn 38% (2010). Lnh vc cho vay rt a dng t c s h tng, cng nghip ch bin,thng nghip, dch v, du lch. nng lm thy sn., cho vay doanh nghip quc doanh (21%), doanh nghip ngoi quc doanh (TNHH, c phn) chim 65%, doanh nghip c vn nc ngoi (3%), t nhn v c th (10%). iu th hin kh nng tm kim v thu ht khch hng ca BIDV ngy cng c ci thin


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3. Phn loi n:Phn loi n N tiu chun N cn ch N di tiu chun N nghi ng N c kh nng mt vn T l n xu Tng s % n xu 2010 202,574 28,083 3,598 820 2,008 6,426 237,083 2.71% 2009 % 2008 % 159,918 134.6% 118,837 100% 32,108 102.1% 31,452 100% 3,531 124.6% 2,833 100% 865 209.4% 413 100% 1,173 125.2% 937 100% 5,569 4,183 197,595 154,472 2.82% 2.71% Bng 2-2: Phn nhm cc khon n (n v: T VND) % 170.5% 89.3% 127.0% 198.5% 214.3%

T l n tt (n nhm 1) tng ln ng k so vi nm 2008 c th nm 2009 tng 35% v nm 2010 tng 70%.

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T l n xu tip tc c khng ch mc thp (di 3%): nm 2009 t l n xu c kim sot mc 2,82%, c tng nh so vi 2008 (2.709 %) song l mc thp so vi mt bng chung trong bi cnh kinh t khng thun li, c bit tip tc xu hng gim trong nm 2010 (2.71%). Kt lun:

Nh vy, mc d nhng du hiu suy thoi kinh t ton cu cng nh nhng bt n kinh t v m trong nc nh hng rt ln n tnh hnh ti chnh ca khch hng v hot ng kinh doanh ngn hng, song cht lng tn dng ca BIDV c ci thin ng k. c c kt qu kh quan trn l do: cng tc qun l cht lng tn dng v cng tc x l n xu tip tc c pht huy v ch trng, ton h thng n lc va kim sot khng pht sinh n xu, va gim n xu hin hu. Danh mc tn dng c r sot thng xuyn pht hin kp thi cc khch hng c biu hin yu km v ti chnh v c tnh hnh t bin c nguy c khng tr c n chuyn xung nhm n xu v ng thi ln ngay k hoch, bin php x l. Tuy nhin t l n c kh nng mt vn tng ng k, ngn hng cn c bin php khc phc tnh trng ny. T l b p ri ro (qu d phng ri ro/n xu) m bo >1, c xu hng gim cho thy qu d phng ri ro tn dng m bo b p tn tht n xu, cht lng tn dng c m bo nn t l trch lp/n xu c xu hng gim.NGAN HANG AU T VA PHAT TRIEN BIDV Page 10


Bng 2-3: Thng tin xp hng Moodys

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Quy m, c cu v cht lng tn dng cho thy ngn hng thc thi tt cc chnh sch tn dng: kim sot cht lng, a dng ha khch hng, nng cao qun l ri ro va m bo tng trng song vn kim sot tt cht lng tn dng.

4. C cu cc khon mc u t:Chtiu Chng khon n Chng khon vn Tng 2010 2009 Gi gc Gi hp l Gi gc Gi hp l 887,098 901,977 330,362 309,468 480,364 459,706 758,824 629,970 1,367,462 1,361,683 1,089,186 939,438 Thuyt minh v tnh trng nim yt chng khon kinh doanh

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Chng khan kinh doanh v chng khan u t chim t trng nh v c xu hng gim 2010 (8.8%), 2009 (10.94%). Nguyn nhn chnh l do tnh hnh kh khn chung ca nn kinh t cng nh th trng chng khon Vit Nam v vi quy nh mi v gii hn u t ca NHNN, hot ng u t ca ngnh ngn hng ni chung v ca BIDV ni ring gp nhiu kh khn. Trong thi gian gn y, hot ng u t ca BIDV ch yu tp trung vo cng tc c cu li, nng cao cht lng danh mc u t v hiu qu cng tc qun l n v u t, kt hp vi tng cng nng lc ti chnh cho cc n v lin doanh ng thi trin khai u t cc d n trng im theo ch o ca Chnh ph.


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL IIICHT LNG QUN L (M- MANAGEMENTS):

Cc ch tiu nh gi: M hnh qun l t chc v cc chnh sch qun l chung Kim ton ni b H thng thng tin Pht trin ngun nhn lc Ni dung phn tch: 1. M hnh qun l t chc v cc chnh sch qun l chung:

Hi ng qun tr Hi ng x l ri ro Hi ng CNTT Ban Tng gim c v K ton trng Hi ng ALCO Ban Kim sot Cc y ban/H Hi ng qun l tn dng Cc y ban, Hi ng

Hi ng tn dng

Khi Ngn Khi Vn & Khi Bn l Kinh doanh hng bn & Mng li bun vn

Khi Qun l ri ro

Khi Tc nghip

Khi Ti chnh - K ton

Khi H tr

Bng 3-1: S b my t chc

Tip tc thc hin chuyn i m hnh hot ng theo tiu ch ngn hng hin i tin tin hi nhp su rng vo nn kinh t th gii v nng cao sc cnh tranh, BIDV chuyn i ton din, ng b t m hnh ngn hng truyn thng sang m hnh ngn hng thng mi hin i, a nng theo hng m rng hot ng ngn hng bn l.


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Xc lp m hnh kinh doanh hng ti khch hng, thc hin qun l tp trung theo khi chc nng chuyn su t Hi s chnh n cc n v thnh vin, theo dng sn phm, theo chiu dc, trin khai qun l vn tp trung, khai thc hiu qu cc tim lc phc v cho chin lc m rng pht trin kinh doanh v qun tr ri ro theo m hnh ca mt ngn hng hin i; Xy dng h thng qun tr chuyn nghip ph hp vi thng l quc t. c bit, a tp trung y mnh chuyn i hot ng ngn hng bn l mt cch ng b v ton din t chin lc, nh hng, c ch, chnh sch, m hnh n trin khai hot ng. Chnh sch quan l v tp trung pht trin ca BIDV rt ngn gn m sc tch gn lin vi slogan BIDV - Chia s c hi, hp tc thnh cng Ch tch HQT BIDV Trn Bc H tc gi ca cu khu hiu - cho rng: Chia s v hp tc chnh l b quyt lm nn thnh cng ca doanh nghip, nht l trong iu kin cnh tranh gay gt nh hin nay, nu khng c s lin kt pht huy th mnh ca mi bn, chng ta kh lng m tn dng tt cc thi c trong kinh doanh. Kt lun: Chuyn i ton din hot ng theo m hnh ngn hng hin i, tp trung pht trin ngn hng bn l.

2. Kim ton ni b:15 nm lin tc thc hin kim ton quc t c lp v cng b kt qu bo co ti chnh theo c hai chun mc VAS v IFRS. L ngn hng u tin ch ng thc hin xp hng tn nhim theo tiu chun quc t k t nm 2006. BIDV cng l ngn hng thng mi tin phong trong vic trin khai xy dng v p dng h thng xp hng tn dng ni b v thc hin phn loi n theo iu 7 Quyt nh 493/Q-NHNN ca Thng c NHNN Vit Nam ph hp vi chun mc quc t, c NHNN cng nhn. Kt lun: Tip tc minh bch cng khai su rng cc hot ng kinh doanh theo thng l v chun mc quc t.

3. Pht trin ngun nhn lc:V s lng: n cui nm 2010, BIDV c mt i ng nhn s ln mnh vi 16.475 ngi, trong ti Tr s chnh v cc chi nhnh l 15.342 ngi, khi cc cng ty, trung tm, Vn png i din l 1.133 ngi. V cht lng: cng vi vic tr ha cn b (tui i b nh qun nm 2010 l 32,8), i ng cn b BIDV nm qua cng c tin b ng k trn c 02 b nh din: Bng cp v nng lc thc t.


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S cn b c tnh i hc v trn i hc t 85,29%,tng 2,69% so vi nm 2009. V c bn, cc cn b u c trang b cc k nng v ngoi ng, vi tnh m bo phc v cho cng vic chuyn mn. Kh nng qun tr iu hnh, kh nng nm bt cng ngh ngn hng hin i, kh nng thch ng v hot ng trong th trng cnh tranh a c ci thin r rt. Cng tc tuyn dng : a c s ci tin v ni dung v hnh thc thi tuyn, m bo tnh cng bng, minh bch, khch quan gp phn nng cao cht lng cn b, tm kim, thu ht nhng cn b c kinh nghim, nng lc, trnh chuyn mn tt. Cng tc o to: i ng nhn s ca BIDV thng xuyn c o to v o to li; cp nht kin thc v thc tin kinh doanh mi; rn luyn k nng nghip v; nng cao trnh chuyn mn, ngoi ng Tng kho hc u xc nh r mc ch, yu cu ca chng tnh o to; ni dung c thit k, iu chnh ph hp vi tnh hnh thc t ca BIDV, c bit m bo p ng yu cu phc v trong trin khai cc nhim v cp bch, quan trng ca h thng. Thc trng i ng nhn vin ca Ngn hng u t v Pht trin Vit Nam qua nh gi ca khch hng Hnh nh ca ngn hng ph thuc rt ln vo nhng hot ng ca nhn vin giao dch, ngi tip xc trc tip vi khch hng. Qua iu tra cho thy, khch hng nh giv cht lng phc v ca i ng nhn vin nh sau:

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4.


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Qua bng s liu trn cho thy, a s khch hng nh gi i ng nhn vin ca BIDV mc bnh thng. Mt b phn KH nh gi tt, khong 40%, c bit l v tnh nhanh nhn, nng ng (56,26%). Bn cnh , KH cng nh gi kh tt v trnh chuyn mn nghip v, kh nng to dng nim tin v s an tm cho khch hng; nhit tnh, nim n, lch thip trong giao tip. Tuy nhin, cng cn nhiu kin nh gi cha tt v i ng nhn vin v tt c cc mt chim t trng xp x 15%, nht l v ngoi hnh v trang phc (34,73%). Nhiu KH phn nn v trnh nghip v, kh nng t vn ca nhn vin cn yu, thi phc vcha c tnh chuyn nghip, cha tht s quan tm n khch hng. V vy, khch hng cm thy thoi mi khi giao dch, BIDV cn phi ch trng n cng tc o to, bi dng v chnh n tc phong lm vic ca nhn vin, ng thi tng cng vn ha doanh nghip trong NH.

4. Pht trin h thng thng tin:H thng cng ngh thng tin ng b, hin i, an ton, hiu qu, c trin khai p dng trong cc lnh vc qun tr ngn hng, kim sot ri ro, pht trin sn phm dch v hin i, tin ch. Pht trin cc h thng cng ngh thng tin nh: ATM, POS, Internet banking, Mobile banking, Contact Center, Core banking L ngn hng thng mi duy nht trong h thng ngn hng Vit Nam 4 nm lin tc (20072010) gi v tr hng u Vietnam ICT Index (ch s sn sng cho ng dng cng ngh thng tin); BIDV cng nm trong Top CIO tiu biu khu vc ng Nam . Ngoi ra BIDV cn k tho thun vi IBM,IBM s gip BIDV pht trin h thng cng ngh thng tin, cng c, i mi m hnh kinh doanh v h tr BIDV thc hin cc k hoch chin lc vi nhiu d n khc nhau. Ni dung c th hp tc bao gm: t vn, o to, chuyn giao cng ngh v cho thu ti chnh. IBM s xy dng chng trnh o to chuyn gia cng ngh thng tin, m rng hp tc o to k nng v pht trin ngun nhn lc cng ngh thng tin cho BIDV.

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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL IVKH NNG SINH LI (E - EARNINGS STRENGTH):

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Cc ch tiu nh gi: Kt qu hot ng kinh doanh C cu thu nhp 1. Kt qu hot ng kinh doanh2010 366.267.769 24.219.736 (5.545.615) 5.942.184 (1.316.616) 4.625.568 3.760.715 2009 296.432.087 17.639.336 (4.536.214) 5.617.751 So snh Tuyt i 69,756,047 6,605,319 (1.009.401) 324.433 Tng i 24% 37% 22% 6%

Ch tiu 1.Tng ti sn 2.Vn ch s hu 3.Chi qun l kinh doanh 4.Chnh lch thu chi trc DPRR 5.Chi ph DPRR 6.Li nhun trc thu 7.Li nhun rng trong nm

(2.012.282) 695.666 35% 3.605.469 1.020.099 28% 2.817.501 943.214 33% Bng 4-1: Kt qu hot ng kinh doanh Cc ch tiu v hiu qu kinh doanh u t mc tng trng cao so vi nm 2009, trong : Cng vi s tng trng 24% ca tng ti sn, 37% ca vn ch s hu tng, li nhun rng trong nm t tng trng 33%, cao hn tc tng trng tng ti sn.iu ny th hin c vic qun l tt ti sn ca BIDV. Chnh lch thu chi trc DPRR t 5.942 t tng 6%. Tng chi ph hot ng 2010 l 5.546 t ng tng 22%, ch yu l do chi ph nhn vin( chim trn 50% tng chi ph hot ng ) th hin n lc ca ngn hng trong vic chi tr lng cho nhn vin m bo mt bng thu nhp so vi cc NHTMCP khc. Li nhun trc thu t 4.626 t, tng 28%, hon thnh 100% k hoch nm. Tc tng ca li nhun ln hn tc tng ca chi ph hot ng. iu ny th hin BIDV qun l tt chi ph . Kt lun: Trc p lc tng gi, din bin cc ch s ch cht ca nn kinh t trong nc v th gii nh lm pht, li sut, t gi, gi vngtip tc c nhiu bin ng tc ng trc tip v nh hng n hot ng kinh doanh ca ngn hng, BIDV vn kim sot tt chi ph hot ng m bo hiu qu hot ng 2010 Ch tiu S tin (triu ng) 9.023.757 1.776.528 288.678 T trng (%) 77,4 17,5 2,8 S tin (triu ng) 6.948.255 1.404.126 208.866 2009 T trng (%) 73 17,2 2,6

1.Thu nhp rng t li 2.Thu nhp rng phi li - Hot ng dch v - Hot ng kinh doanh ngoi hi


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL 721.642 7,56 Hot ng mua bn CK (290.740) kinh doanh 1,3 233.998 1,48 - Hot ng gp vn mua 134.601 c phn 387.349 1,0 610.941 0,97 - Hot ng khc 11.356.125 100 9.517.314 100 3. Tng thu nhp hot ng Bng 4-2: Ch tiu v kh nng sinh li, c cu thu nhp thay i theo hng tch cc: -

2. C cu thu nhp: - Khng ch t s tng trng v quy m m trong c cu thu nhp t cc hot ng cho thy s chuyn bin tch cc. - Cn c vo bng trn, ta c thy phn ln li nhun ca BIDV c c ch yu l thu nhp t li chim trn 70%, sau l thu nhp t cc hot ng dch v trn 17%, tip l hot ng kinh doanh ngoi hi vi trn 2%, thu nhp t cc hot ng khc chim t l rt nh. iu ny c th d hiu bi hot ng chnh ca BIDV l cc hot ng huy ng, cp tn dng nn thu nhp t li chim mt t l cao. Thu nhp ny gp phn lm hnh thnh thm vn cho BIDV v l mt du hiu tt bi vic tng vn y l thu li t hot ng chnh ca Ngn hng. - C cu thu nhp t cc hot ng c ci thin, c th: Cc khon mc ng gp ch yu vo tng thu nhp thun ca Ngn hng bao gm:thu nhp li thun, thu nhp t hot ng dch v, thu nhp t kinh doanh ngoi hi u c xu hng tng c v tuyt i v tng i. Vic tng t trng thu nhp ca cc hot ng ny l mt du hiu tt i vi NH. Thu n hch ton ngoi bng n 2010 ch cn 4,2% trong tng thu nhp (nm 2009 l 5,7%), cc hot ng gp vn mua c phn, kinh doanh chng khon chim t l nh. S suy gim ca th trng chng khon nh hng n kt qu kinh doanh ca BIDV qua vic trch lp d phng gim gi chng khon, u t vi vic tun th nguyn tc thn trng.Trong nm 2010 Ngn hng thc hin trch lp ton b d phng gim gi i vi 100% chng khon v u t theo mt bng gi ca th trng ti thi im31/12/2010(theo yu cu ca Quyt nh 493/2005/Q-NHNN) Kt lun: Mc d gp nhiu kh khn trong mi trng kinh doanh, song BIDV vn m bo hiu qu kinh doanh nm 2010 trn cc ch tiu ti chnh.t c kt qu trn, bn cnh tng trng thu nhp t cc hot ng, cn k n cht lng tn dng c kim sot tt, d phng ri ro pht sinh trong nm gim, qua gp phn nng cao li nhun ca Ngn hng.


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[NG DNG CAMELS TRONG NH GI HIU QU HOT NG BIDV] M HNH CAMEL VTNH THANH KHON (L LIQUIDITY):

Cc ch tiu nh gi: 1. Tng trng tin gi 2. D n/ Tin gi 3. Tin mt/ NPT 4. Ti sn thanh khon/ NPT 5. T l v kh nng chi tr Ni dung phn tch: 1. Tng trng tin gi:

Tng trng tin gi so vi 2007250.00% 200.00% 150.00% 100.00% 50.00% 0.00% Tng trng tin gi so vi 2007 2007 100.00% 2008 127.30% 2009 184.22% 2010 228.73%

Ch tiu D n TG KH v Pht hnh GTCG Tin mt Tng NPT Ch s D n/ tin gi Ti sn thanh khon/Tng NPT Tin gi khch hng/ Tng NPT

2008 150,724,951 141,857,460 2,303,873 222,028,223 2007

2009 193,960,704 205,290,549 2,875,773 278,220,486 2008 83.2%

2010 233,511,757 254,883,235

T l tng trng 2010/2009 20.4% 24.2%

3,253,384 13.1% 341,221,787 22.6% Bng 3-1: T l tng trng d n v tin gi 2009 94.48% 7.1% 73.79% 2010 91.61% 7.13% 74.7%

6.6% 70.3%

7.9% 79.4%


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Tng trng tin gi TM/ tng NPT

27.1% 1.026%

27.3% 0.99%

11.2% 1.03%

23.73% 0.953%

Bng 3-2: Cc ch s v thanh khon - Thanh khon l 1 ch tiu quan trng bi cc NH huy ng mt lng tin gi v d tr ngn hn t CN, DN v cc t chc cho vay khc sau chuyn thnh cc khon tn dng di cho nhng ngi i vay. Chnh v vy, hu ht cc NH u mt cn i gia k hn ca ti sn v k hn ca ngun vn. Hn na, NH s nh mt lng tin ca khch hng nu khng thc hin tt thanh khon.

Ch s D n/tin gi Tin gi/ tng NPT Tng trng tin gi TS thanh khon/ Tng NPT

2009 2010 BIDV CTG VCB BIDV CTG VCB 94.48% 102.72% 82.94% 91.61% 114% 84.23% 73.79% 67.95% 71% 74.7% 62.02% 72.66%

23.73% 38.03% 8% 7.13% 3.9% 9.3%

Bng 3-2: So snh ch s v kh nng thanh khon BIDV vi Viettinbank v Vietcombank -

Nh vy, mt NH c kh nng thanh khon hp l s l du hiu u tin cho NH c tnh

hnh ti chnh tt. Cn c vo bng s liu, ta c th thy BIDV vn lun m bo an ton thanh khon. Nm 2008 l nm nn kinh t Vit Nam chu tc ng ca khng hong kinh t th gii v vi vai tr huyt mch ca nn kinh t, ngnh Ngn Hng ni chung v mi NH ni ring u phi ng u vi nhng kh khn nht nh. Trong khi cc ch s v thanh khon ca phn ln cc NH u gim st th BIDV vn duy tr ch tiu thanh khon m bo an ton.-

Lng tin gi KH c xu hng tng t 2008 2010. c bit, nm 2010, TGKH tng gn

49600 t ng, tng 23.7% so vi nm 2009. T s tng trng tin gi ca BIDV thp hn Viettinbank, cao hn Vietcombank nhng nhn chung t l tng trng tin gi tng phn no th hin c hot ng huy ng vn ang ngy cng pht trin. Cung ng tin tng l mt du hiu ban u cho thy thanh khon tng i kh quan.


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2. Tin gi Khch Hng: Chim mt t trng tng i ln trong tng n phi tr. T 2007 - 2010, chim trn 70% tng NPT. Nh vy c th thy rng tin gi khch hng ng mt vai tr ht sc quan trong trong cung thanh khon

Nm 20105% 2% 11% 8% Cc khon n Chnh ph v NHNN Tin gi ca cc TCTD khc 74% 6%

Nm 200910% 8% 6% Cc khon n Chnh ph v NHNN Tin gi ca cc TCTD khc 70%

3. Ch tiu d n/ tin gi: Ch s ny phn nh trong s lng tin huy ng c t KH v pht hnh GTCG, NH s dng bao nhiu cp tn dng cho KH, ng thi phn nh mc ph thuc ca vic cp tn dng vo ngun vn nhy cm vi ri ro. D n bao gm cc khon: cho vay thng mi v cc khon cho vay m NH phi chu hon ton ri ro (khng bao gm cc khon cho vay theo ch nh ca CP, BTC v cc khon cho vay t vn ODA).

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C th d dng nhn thy ch s ny BIDV u c xu hng tng. T 2008 2010, t s

ny < 100% v c xu hng tng t 83% nm 2008, n 2010 l 91.61. Mc d t s ny c tng ln nhng vn mc

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