Eib - Bcb Niem Yet

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NGN HNG TMCP XUT NHP KHU VIT NAM(Giy chng nhn KKD s 0301179079 (s c: 059023) do S K hoch v u t Tp. H Ch Minh cp, ng k ln u ngy 23/07/1992, ng k thay i ln th 15 ngy 10/08/2009)

NIM YT C PHIU TRN S GIAO DCH CHNG KHON TP. HCMTn c phiu: Loi c phiu: Mnh gi: C phiu Ngn hng C phn Xut Nhp Khu Vit Nam C phiu ph thng 10.000 ng/c phiu

Tng s lng nim yt: 876.226.900 c phiu Tng gi tr nim yt: 8.762.269.000.000 ng (theo mnh gi).

T CHC KIM TON CNG TY TNHH PRICEWATERHOUSECOOPERSa ch: Lu 4, Ta nh Saigon Tower, 29 L Dun, Q.1, TP. H Ch Minh T: (84.8) 3823 0796 Fax: (84.8) 3825 1974

T CHC T VN CNG TY C PHN CHNG KHON RNG VIT (VDSC)Tr s: Tng 3 4 5, Estar Building, S 147 - 149 V Vn Tn, Q. 3, TP. HCM T: (84.8) 62992006 Fax: (84.8) 62992007

Email: vdsc@vdsc.com.vn Web: www.vdsc.com.vn

NGN HNG TMCP XUT NHP KHU VIT NAM

MC LC

I. 1. 2. 3. 4. 5. 6. 7. 8. II. 1. 2. III.

CC NHN T RI RO ............................................................................................ 3 Ri ro v li sut...................................................................................................... 3 Ri ro v tn dng .................................................................................................... 3 Ri ro v ngoi hi ................................................................................................... 3 Ri ro v thanh khon .............................................................................................. 4 Ri ro t cc hot ng ngoi bng ........................................................................... 5 Ri ro hot ng ...................................................................................................... 5 Ri ro lut php ....................................................................................................... 5 Ri ro khc ............................................................................................................. 6 NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH ... 7 T chc nim yt ..................................................................................................... 7 T chc t vn ........................................................................................................ 7 CC KHI NIM ...................................................................................................... 8

IV. TNH HNH V C IM CA T CHC NIM YT .............................................. 10 1. 2. 3. 4. 5. Tm tt qu trnh hnh thnh v pht trin ................................................................ 10 C cu t chc ca Ngn hng ............................................................................... 15 M hnh t chc ca Ngn hng TMCP Xut Nhp khu Vit Nam ............................ 16 Danh sch c ng nm gi t trn 5% vn c phn ca ngn hng; Danh sch c ng sng lp v t l c phn nm gi; C cu c ng (tnh n ngy 28/09/2009) .......... 18 Danh sch nhng cng ty m v cng ty con ca Ngn hng, nhng cng ty m Ngn hng ang nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi phi i vi Ngn hng: ................................................. 19 6. 7. 8. 9. 10. 11. 12. 13. Hot ng kinh doanh ............................................................................................ 19 Bo co kt qu kinh doanh nm 2007, 2008 v 06 thng u nm 2009 ................... 47 V th ca Ngn hng so vi cc ngn hng cng ngnh........................................... 52 Chnh sch i vi ngi lao ng .......................................................................... 61 Chnh sch c tc.................................................................................................. 63 Tnh hnh ti chnh ................................................................................................. 64 Hi ng qun tr, Ban kim sot, Ban Tng gim c, K ton trng ....................... 65 Ti sn ................................................................................................................. 961

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NGN HNG TMCP XUT NHP KHU VIT NAM 14. 15. 16. 17. V. 1. 2. 3. 4. 5. 6. 7. K hoch li nhun v c tc .................................................................................. 99 nh gi ca t chc t vn v k hoch li nhun v c tc .................................. 101 Thng tin v nhng cam kt nhng cha thc hin ca Ngn hng ......................... 104 Cc thng tin, cc tranh chp kin tng lin quan ti Ngn hng m c th nh hng n gi c c phiu nim yt ................................................................................ 104 C PHIU NIM YT ........................................................................................... 105 Loi c phiu Mnh gi : c phiu ph thng ..................................................................... 105

: 10.000 ng/c phn ....................................................................... 105

Tng s c phiu nim yt : 876.226.900 c phiu................................................. 105 S lng c phiu b hn ch chuyn nhng theo qui nh ca php lut hoc ca t chc nim yt...................................................................................................... 105 Phng php tnh gi ........................................................................................... 106 Gii hn v t l nm gi i vi ngi nc ngoi ................................................. 108 Cc loi thu c lin quan .................................................................................... 108

VI. CC I TC LIN QUAN N VIC NIM YT................................................... 111 VII. PH LC............................................................................................................. 112

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NGN HNG TMCP XUT NHP KHU VIT NAM

I.

CC NHN T RI RO 1. Ri ro v li sut

Ri ro li sut pht sinh khi c s chnh lch v k hn ti nh gi gia ti sn n v ti sn c ca ngn hng do cc bin ng ca li sut th trng, gy nh hng trc tip n thu nhp ca mt ngn hng. hn ch ri ro, Eximbank lun quan tm cht ch n vic iu hnh li sut theo hng ch ng v linh hot: li sut cho vay, li sut huy ng i vi tng loi hnh sn phm, dch v trong tng thi k, thu hp chnh lch k hn bnh qun gia ti sn c v ti sn n, thi im v cc a bn khc nhau trn c s m bo tnh hiu qu cao nht. c bit i vi cc khon vay trung v di hn, vn l sn phm thng gp ri ro nhiu v li sut, Eximbank p dng chnh sch li sut th ni linh hot theo li sut th trng trong tng thi k, t gim thiu ri ro v li sut. Hot ng ca y ban Qun l Ti sn n - Ti sn c (ALCO) trong mi quan h tng tc vi cc phng ban chc nng khc trong m hnh qun tr ri ro hng n vic tip cn cc thng l quc t cng gip nng cao hiu qu qun tr ri ro li sut ca Eximbank. 2. Ri ro v tn dng Ri ro tn dng l loi ri ro dn n tn tht ti sn trong trng hp khch hng vay vn/c cp tn dng khng c kh nng thc hin mt phn hoc ton b nhng cam kt nu ti Hp ng tn dng k vi Ngn hng. Ri ro ny bao gm c ri ro thanh ton khi mt bn th ba (bn bo lnh) khng thc hin cc ngha v ca mnh i vi ngn hng. qun l ri ro trong hot ng tn dng, Eximbank thc hin cc bin php sau: Thc hin chnh sch phn tn ri ro theo ngnh, khng tp trung vn vo mt hoc vi ngnh kinh t m tri u trn nhiu ngnh t sn xut n thng mi, dch v, tiu dng c nhn. Qui nh c th hn mc tn dng i vi tng chi nhnh, ng thi ban hnh y cc qui nh hng dn chi tit qu trnh cp tn dng v qun l sau cho vay. Ch ng trch lp Qu d phng ri ro theo qui nh ca php lut nhm m bo an ton cho hot ng tn dng ca ngn hng. Thng xuyn kim tra trc, trong v sau khi cho vay. 3. Ri ro v ngoi hi Ri ro v ngoi hi pht sinh khi c s chnh lch v k hn, v loi tin t ca cc khon ngoi hi nm gi, qua c th lm cho ngn hng phi gnh chu thua l khi t gi ngoi hi bin ng. gim thiu ri ro ngoi hi, Eximbank tun th cc bin php m bo an ton nh sau:

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NGN HNG TMCP XUT NHP KHU VIT NAM Lun duy tr mt t l cn xng gia ti sn n v ti sn c ngoi t, duy tr trng thi ngoi hi rng mc hp l; C chnh sch o to i ng cn b c chuyn mn cao, c kh nng phn tch v d bo tnh hnh bin ng t gi ca cc loi ng tin, v ra quyt nh mua, bn cc hp ng ngoi t ng n. S dng cc cng c ti chnh c kh nng phng nga ri ro nh hp ng forwards, futures, swap hay option trong hot ng kinh doanh ngoi hi. Hot ng ngoi hi ca Eximbank ch yu nhm phc v thanh ton quc t cho cc khch hng doanh nghip v hot ng mua bn ngoi t trn th trng quc t. Qun l ri ro ngoi hi tp trung vo qun l trng thi ngoi hi rng v cc trng thi kinh doanh vng (khng c dng hoc m qu 30% vn t c ca ngn hng), tun th ng cc quy nh hin hnh ca NHNN. 4. Ri ro v thanh khon Ri ro v thanh khon l kh nng ngn hng khng th p ng cc nhu cu rt tin thng xuyn hoc t xut ca ngi gi tin cng nh khng chi tr c kp thi cc ngha v ti chnh khc. Ri ro thanh khon bt ngun t s khng ph hp v quy m v k hn gia cc ti sn n v ti sn c ca ngn hng ti thi im hin ti hay trong tng lai. Ngoi ra, yu t tm l, nim tin ca khch hng cng l mt nhn t quan trng c th gy nn ri ro thanh khon. Do vy, ri ro thanh khon lun hin hu thng trc trong hot ng kinh doanh ngn hng. hn ch ri ro thanh khon, Eximbank thc hin cc bin php sau: Tun th nghim ngt cc quy nh ca NHNN v t l an ton vn v thanh khon trong hot ng ngn hng. Cn c vo c s d liu qu kh v nh hng hot ng tnh ton chnh xc nhu cu thanh ton tng thi im nhm m bo d tr hp l, ng thi hn ch lng ph vn nh hng n li nhun hot ng; Xy dng danh mc u t hp l vi t trng u t vo cc loi chng khon, giy t c gi, cc loi ti sn c kh nng chuyn i nhanh sang tin mt vi chi ph thp; Tng cng hiu qu qun l ti sn, thc hin c ch iu hnh cng khai, minh bch, d bo kp thi nhu cu rt tin ca khch hng trong tng thi k, xy dng chnh sch to lng tin i vi ngi gi tin c th ch ng thu xp ngun vn chi tr theo yu cu. Qun l ri ro thanh khon ti Eximbank c thc hin trong mt k hoch tng th v qun l ri ro thanh khon v ng ph vi cc s c ri ro thanh ton.

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NGN HNG TMCP XUT NHP KHU VIT NAM 5. Ri ro t cc hot ng ngoi bng y l loi ri ro ch yu xut pht t cc hot ng cam kt cho vay, cam kt bo lnh cho khch hng v khi khch hng khng thc hin c ngha v ti chnh th Eximbank phi thc hin ngha v thanh ton thay. Cc hot ng ngoi bng ca Eximbank ch yu bao gm cc khon cam kt cho vay v cc hnh thc bo lnh. T trng cc cam kt giao dch ngoi hi nh cam kt mua/bn ngoi t c k hn (forward) v quyn chn mua/bn ngoi t c t l rt nh. Eximbank thc hin chnh sch bo lnh thn trng, phn ln cc khon bo lnh u c ti sn th chp. 6. Ri ro hot ng Ri ro hot ng xut pht t nhng bin c xy ra t chnh bn thn Ngn hng trong qu trnh iu hnh hot ng nh: sai st t vic p dng quy trnh nghip v, h thng cng ngh thng tin b li, tc ng ca con ngi phng chng ri ro ny, Eximbank trin khai tch hp cc bin php qun l ri ro hng ngy t cc phng ban, c nhn, chun ha ton b cc quy trnh nghip v v cc quy trnh trong qun l bao gm: tuyn dng, o to, nh gi ni b, thit k v pht trin sn phm, qun l ti sn khch hng ng thi h thng cng ngh thng tin ca ngn hng thng xuyn c ci tin nng cao tnh n nh, an ton v bo mt. Vic qun l ri ro hot ng ca Eximbank cn c kim tra v gim st bi h thng kim tra, kim ton ni b ca ngn hng. H thng kim tra, kim ton ni b thung xuyn nh gi tnh y , ph hp ca quy trnh, quy ch hot ng nghip v v tnh tun th; cnh bo ri ro ca cc b phn nghip v i vi quy trnh, quy ch ny. Thng qua h thng kim tra, kim sot, kim ton ni b ny, Eximbank c th pht hin ra nhng sai st, l hng trong qu trnh tc nghip a ra cc cnh bo v gii php khc phc ph hp Bo co kim tra, kim ton ni b uc gi ti Ban iu hnh, Ban kim sot v Hi ng qun tr. 7. Ri ro lut php Ri ro lut php l ri ro pht sinh do vic khng p dng kp thi, khng ng cc vn bn php lut i vi hot ng ngn hng. Eximbank l doanh nghip hot ng trong lnh vc ti chnh, tin t, do bn cnh nhng quy nh chung ca php lut v doanh nghip, hot ng ca Eximbank cn chu s iu chnh bi cc quy nh ca Ngn hng Nh nc. hn ch nhng ri ro lut php pht sinh trong qu trnh hot ng, Eximbank thc hin cc bin php sau:

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NGN HNG TMCP XUT NHP KHU VIT NAM C th ha cc quy nh ca php lut thng qua vic ban hnh cc quy ch, quy nh v quy trnh nhm iu chnh v hng dn cc hot ng ca Eximbank m bo tun th php lut. Eximbank lun ch ng trong vic nm bt v cp nht cc quy nh ca php lut, thng xuyn t chc cc t tp hun ph bin v hng dn cc vn bn, chnh sch mi ca Nh nc v ca Ngn hng cho ton h thng Eximbank. Tng cng vai tr ca b phn php ch v kim sot ni b trong vic h tr v php l v kim tra kim sot vic tun th php lut trong ton h thng Eximbank. 8. Ri ro khc Ri ro khc lin quan n cc trng hp bt kh khng nh: thin tai, lt li, chy, n Ti Eximbank, trn ton h thng t Hi s n cc chi nhnh, phng giao dch v cng ty trc thuc, tt c ti sn bao gm nh v thit b lm vic (h thng my tnh, cc thit b vn phng,) u c mua bo him chng ri ro chy n. Ngoi ra, do c trng ca hot ng ngn hng, tin v cc ti sn gi h ca khch hng trong kho v tin vn chuyn trn ng i u c mua bo him y .

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NGN HNG TMCP XUT NHP KHU VIT NAM II. NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CO BCH 1. T chc nim yt NGN HNG THNG MI C PHN XUT NHP KHU VIT NAM ng Nguyn Thnh Long ng Trnh Cng L ng Trng Vn Phc ng Nguyn H Hong V - Chc v : Ch tch HQT - Chc v : Trng Ban kim sot - Chc v : Tng Gim c - Chc v : K ton trng

Chng ti m bo rng cc thng tin v s liu trong Bn co bch ny l ph hp vi thc t m chng ti c bit, hoc iu tra, thu thp mt cch hp l.

2. T chc t vn CNG TY C PHN CHNG KHON RNG VIT i din theo y quyn : ng Nguyn Min Tun - Chc v : Tng Gim c

(Theo Giy y quyn s 01/2006/GUQ ngy 19/12/2006 ca ng Nguyn Thnh Long, Ch tch Hi ng qun tr, ngi i din theo php lut ca Cng ty c phn chng khon Rng Vit).Bn co bch ny l mt phn ca H s ng k nim yt do Cng ty c phn chng khon Rng Vit tham gia lp trn c s Hp ng t vn vi Ngn hng thng mi c phn Xut nhp khu Vit Nam. Chng ti m bo rng vic phn tch, nh gi v la chn ngn t trn Bn co bch ny c thc hin mt cch hp l v cn trng da trn c s cc thng tin v s liu do Ngn hng thng mi c phn Xut nhp khu Vit Nam cung cp.

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NGN HNG TMCP XUT NHP KHU VIT NAM III. CC KHI NIM Trong Bn co bch ny, cc t ng di y c hiu nh sau: Bn co bch Bn cng b thng tin ca Ngn hng thng mi c phn Xut Nhp khu Vit Nam v tnh hnh ti chnh, hot ng kinh doanh nhm cung cp thng tin cho cng chng u t nh gi v a ra cc quyt nh u t chng khon. Ngn hng C phn C ng C phiu Ngn hng thng mi c phn Xut Nhp khu Vit Nam. Vn iu l c chia thnh nhiu phn bng nhau. T chc hoc c nhn s hu mt hoc mt s c phn ca EIB. Chng ch do EIB pht hnh xc nhn quyn s hu mt hoc mt s c phn ca EIB. C phiu ca EIB c th ghi tn v khng ghi tn theo quy nh ca iu l v qui nh php lut lin quan. C tc iu l Vn iu l Nm ti chnh Ngi lin quan S tin hng nm c trch t li nhun sau thu ca EIB chia cho c ng. iu l ca EIB c i hi ng c ng ca Ngn hng thng qua v c Ngn hng Nh nc Vit Nam ph chun. S vn do tt c c ng ng gp v c ghi vo iu l ca EIB hoc giy chng nhn ng k kinh doanh. nm mi hai thng tnh t 00 gi ngy 01 thng 01 n 24 gi ngy 31 thng 12 nm dng lch hng nm. C nhn hoc t chc c quan h vi nhau trong cc trng hp sau y: Cha, cha nui, m, m nui, v, chng, con, con nui, anh, ch em rut ca c nhn; T chc m trong c c nhn l nhn vin, Gim c hoc Tng gim c, ch s hu trn mi phn trm s c phiu lu hnh c quyn biu quyt; Thnh vin Hi ng qun tr, Ban kim sot, Gim c hoc Tng gim c, Ph Gim c hoc Ph Tng gim c v cc chc danh qun l khc ca t chc ; Ngi m trong mi quan h vi ngi khc trc tip, gin tip kim sot hoc b kim sot bi ngi hoc cng vi ngi chu chung mt s kim sot; Cng ty m, cng ty con. Quan h hp ng trong mt ngi l i din cho ngi kia.

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NGN...