Phát triển kinh doanh dịch vụ thẻ flexicard của ngân hàng thương mại cổ phần xăng dầu petrolimex

6406 LV ThS DHKTQD — I 5s.' u TRUONG DAI HOC KINH TE QUOC DAN TRAN THI• VAN — - —- -DAI HOC KTQD TT THONG TIN THlfVIEN \ PHONGLUAN AN-TVLIEU PHAT TRIEN KINH DOANH DICH VU • • THE FLEXICARD CUA NGAN HANG TMCP XANG DAU PETROLIMEX CHUYEN NGANH: THUONG MAI (QUAN TRI KINH DOANH THUONG MAI) LUAN VAN THAC SY QUAN TRI KINH DOANH Nguoi hud'ng dan khoa hoc: PGS.TS Nguyen Van Tuan HA NOI, NAM 2011 ^■2- [f Ldl CAM DOAN Toi xin cam doan luan van thac sy la cua rieng toi, khong chep va chira tung dirge cong bo tren cac cong trinh nghien cun nao khac Luan van dugc nghien curu dua tren nen tang ly luan cua cac thay co va tren co so tac nghiep thirc tien tai Ngan hang TMCP Xang dau Petrolimex Toi xin cam doan nhtrng dieu tren la hoan toan dung su that Toi xin hoan toan chiu trach nhiem ve lcri cam doan cua minh Tac gia luan van Tran Thi Van MaHV: CH 181011 MUC LUC • • LOI CAM DOAN DANH MUC HINH VE, SO DO, BANG, BIEU DANH MUC CHIT VIET TAT TOM TAT LUAN VAN LOI MO DAU CHUONG 1: LY LUAN CO BAN VE PHAT TRIEN KINH DOANH DICH VU THE CUA CAC NGAN HANG THlTONG MAI 1.1 Khai niem, ban chat, vai tro kinh doanh dich vu the cua Ngan hang thuong mai [1] 1.1.1 Khai niem ve the 1.1.2 Khai niem kinh doanh dich vu the [1] 1.1.3 Vai tro cua viec phat trien kinh doanh dich vu the Flexicard cua ngan hang thuong mai 1.2 Noi dung co’ ban va he thong danh gia chi tieu phat trien kinh doanh dich vu the cua ngan hang thuong mai 10 1.2.1 Noi dung co’ ban cua phat trien kinh doanh dich vu the cua ngan hang thuong mai .10 1.2.2 He thong chi tieu danh gid phat trien kinh doanh dich vu the cua ngan hang thuong mai[l] 15 1.3 Cac nhan to anh huong den phat trien kinh doanh dich vu the cua ngan hang thuong mai 18 1.3.1 Thoi quen sic dung the nen kinh te 19 1.3.2 Cac chu truong, chinh sach cua co quan quan ly Nha nude doi vai boat dong kinh doanh the 21 1.3.3 Sy phat trien cua khoa hoc cong nghe 21 1.3.4 Chat lupng cong tac thdm dinh khach hang 22 1.3.5 Hoat dong Marketing 22 1.3.6 Chat lupng nguon nhan lyc 23 1.4 Nhung bai hoc kinh nghiem ve phat trien kinh doanh dich vu the cua mot so ngan hang thucng mai : 24 CI1 LONG 2: THUC PHAT TRIEN KINH DOANH DICH VU• THE • TRANG • • FLEXICARD CUA NGAN HANG THUONG MAI CO PHAN XANG DAU PETROLIMEX (PG BANK) 26 2.1 Tong quan ve Ngan hang TMCP xang dau Petrolimex 26 2.1.1 Qua trinh hinh va phat trien cua Ngan hang TMCP Xang dau Petrolimex 26 2.1.2 Ca cau to chuc cua Ngan hang TMCP Xang dau Petrolimex 27 2.1.3 Tinh hinh kinh doanh Ngan hang TMCP Xang dau Petrolimex giai doan 2008 - Thang nam 2011 30 2.1.4 Giai thieu Trung tarn the PG Bank va the Flexicard 33 2.2 Thue trang phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP Xang dau Petrolimex 36 2.2.1 Thue trang boat dong the Flexicard 36 2.2.2 Ket qua kinh doanh dich vu the Flexicard 48 2.2.3 Hieu qua kinh doanh dich vu the 49 2.2.4 Cong nghe va nhan lire thuc hien phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP Xang dau Petrolimex 51 2.2.5 Ung dung Marketing de phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP Xang dau Petrolimex 54 2.2.6 Str phoi hap va kiem tra viec phat trien kinh doanh dich vu the Flexicard cr ngan hang TMCP Xang dau Petrolimex 56 2.3 Nhan xet chung ve phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP Xang dau Petrolimex 58 2.3.1 Nhicng ket qua dat duqc phat trien kinh doanh dich vu the Flexicard cua ngan hang TMCP Xang dau Petrolimex 58 2.3.2 Nhung han che trongphat trien kinh doanh dich vu the Flexicard cua ngan hang TMCP Xang dau Petrolimex 59 CHtTONG 3: GIAI PHAP PHAT TRIEN KINH DOANH DICH VU THE FLEXICARD CUA NGAN HANG TMCP XANG DAU PETROLIMEX .62 3.1 Phuong huong hoat dong kinh doanh tai Ngan hang TMCP Xang dau Petrolimex 62 3.1.1 Sy canh tranh ve dich vu the giua cac ngan hang doi vai Ngan hang TMCP Xang dau Petrolimex 62 3.1.2 Phuang huang phat trien kinh doanh dich vu the thoi gian tai cua ngan hang TMCP Xang dau Petrolimex 66 3.2 Giai phap phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP xang dau etrolimex 67 3.2.1 Tang cuang hoat dong Marketing ve dich vu the 67 3.2.2 Phat trien mang luai kenh phan phoi 72 3.2.3 Phat trien san pham dich vu the 73 r \ \ 3.2.4 Tang cuang chat luqng ve nguon nhan lyc 75 3.2.5 Tiep tuc hien dai hod ca sa vat chat cong nghe 75 3.2.6 Tang cuong quan ly va phong ngua rid ro 76 3.2.7 Phat trien cac moi quan he vai cac to chicc kinh te - tai chinh tao tien de de phat trien dich vu the 78 3.3 Nhung kien nghi nham phat trien kinh doanh dich vu the Flexicard cua Ngan hang TMCP xang dau Petrolimex 78 3.3.1 Kien nghi doi vai chinh sach cua Nha nuac 78 3.3.2 Kien nghi doi vai ngan hang Nha nuac, cac Bo, nganh co lien quan 79 KET LUAN 81 DANH MUC TAI LIEU TH AM KHAO 82 PHU LUC DANH MUC SO DO, BANG, BIEU, HINH VE HINH VE Hinh 2.1 Bieu tang truong von huy dong 30 Hinh 2.2 Bieu tang truong tong tai san 32 Hinh 2.3 Bieu tang truong loi nhuan PG Bank 32 Hinh 2.4 Bieu tang truong tin dung giai doan 2008-2010 33 Hinh 2.5 Bieu ty cac tien ich dich vu thePG Bank nam 2011 43 Hinh 2.6: Danh gia cua khach hang ve muc nhan biet thuong hieu the Flexicard 46 SO DO So 1.1 Hoat dong kinh doanh the PG Bank 10 So 2.1: Co cau bo may to chuc cua PGBank 29 So 2.2 So to chuc bo may cua Trung tarn the PG Bank 34 BANG BIEU Bang 2.1: Cac chi tieu tai chinh PG Bank giai doan 2008 - 2010 30 Bang 2.2: So luong phat hanh the den thang 6-2011 37 Bang 2.3: So sanh so luong phat hanh the tra trudc giai doan 2010-2011 38 Bang 2.4: So sanh so luong phat hanh the ghi no giai doan 2010-2011 38 Bang 2.5: Thong ke doanh so giao dich qua the giai doan 2010-2011 39 Bang 2.6: So sanh tong huy dong binh quan qua the nam 2010 40 Bang 2.7: So luong tai khoan the giao dich tinh den thang dau nam 2011 41 Bang 2.8: Cong tac tra soat the Flexicard 42 Hinh 2.5 Bieu ty cac tien ich dich vu the PG Bank nam 2011 43 Bang 2.9: Su ua thich cua khach hang vdi cac tinh nang cua the Flexicard 44 Bang 2.10 Muc hai long cua KH ve su phuc vu cua nhan vien 47 Bang 2.11: Ket qua kinh doanh dich vu the Flexicard ttr 2008-2011 48 Bang 2.12: Bang ty suat loi nhuan theo chi phi quan ly kinh doanh 50 Bang 2.13: Bang ty suat loi nhuan theo doanh thu 51 DANH MUC CHU * VIET TAT Dien giai Chu’ viet tat BCKQKD Bao cao ket qua kinh doanh BDH Ban dieu hanh CHXD Cua hang xang dau CSCNT Ccr so chap nhan the DVNHBL Dich vu ngan hang ban le DVCNT Don vi chap nhan the HDQT Hoi dong quan tri LN Lqi nhuan NHPH Ngan hang phat hanh NHNN Ngan hang nha nude NHTM Ngan hang thuong mai PGD Phdng giao dich PG Bank Ngan hang Thuong mai co phan xang dau Petrolimex QD Quyet dinh TCT Tong cong ty TCTQT To chuc the quoc te TMCP Thuong mai co phan TTT Trung tarn the TRUONG DAI HOC KINH TE QUOC DAN TRAN THI VAN PHAT TRIEN KINH DOANH DICH VU • • THE FLEXICARD CUA NGAN HANG TMCP XANG DAU PETROLIMEX TOM TAT LUAN VAN THAC SY • • HANOI, NAM 2011 ! i LOI MO DAU I Tinh cap thiet cua de tai A Trong moi trucmg canh tranh toan cau hien nay, xa hoi phat trien, A cang co nhieu phuong thuc toan nhanh chong, tien dung va hien dai hon doi Them vao viec giao dich toan bang the mua xang dau rat Z A bien b cac nunc phat trien - mot hinh thuc toan khong dung tien mat hien dai va van minh dang dupe khuyen khich vi nhung lpi ich to Ion tu viec phat trien dich vu the mang lai Tren co sb nhan thuc dupe tinh cap thiet cua van de tren, cung vbi qua trinh lam viec va tham gia trien khai dich vu the tai Ngan hang TMCP xang dau Petrolimex,' toi da chon vu • de tai: “Phat trien kinh doanh dich • • the FlexiCard A cua ngan hang TMCP xang dau Petrolimex ” cho luan van thac sy cua minh II Muc tieu cua de tai r Z A A - He thong hoa va lam ro cac van de ly luan co ban ve phat trien kinh doanh dich vu the Flexicard hoat dong kinh doanh cua NHTM Xang dau Petrolimex - Phan tich thuc trang kinh doanh dich vu the FlexiCard cua PG Bank, tu neu bat cac qua dat dupe cung nhu van de ton tai va lam ro Z A nguyen nhan cua nhung han che ton tai - Dua vao ket qua phan tich thuc trang phat trien kinh doanh dich vu the FlexiCard, nhung co hoi va thach thuc, cac dieu kien thuan lpi va kho khan, xu the phat trien dich vu the va de xuat mot so giai phap phat trien kinh doanh dich vu the FlexiCard cua PG Bank thoi gian toi z Doi III tuong va pham vi nghien cuu z - Doi tuong nghien cuu: Nghien cuu thuc trang phat trien kinh doanh dich vu the Flexicard (the ghi no va the tra trudc) cua PG Bank - Pham vi thoi gian nghien cuu: kinh doanh dich vu the Flexicard tu 2009 den thang nam 2011 cua PG Bank Vi tri cong tac STT Nhu cau giai (loan Nhu cau giai doan II Tieu chuan can bo Don gia tien luong Thanh tien Tot nghiep dai hoc loai kha tro len cac truong khoi kinh te Uu tien nam gibi 3,500,000 Co kha nang chiu ap luc cong viec 3,500,000 Su dung vi tinh van phong thao 3,500,000 3,500,000 Bo phan Quan ly dai ly gian tiep Co kha nang doc, viet, trao doi bang tieng Anh Bo phan Cap phep 3,500,000 10,000,000 3,500,000 10,000,000 5,000,000 5,000,000 5,000,000 5,000,000 BQ phan QL&PT CSCNT Bo phan QL&PB ATM Bq phan ho try CSCNT&Chi nhanh 3,500,000 oi ngniep uai nyc iuai Kira tru ien cac uuong khoi kiiir ie \uu nen truong uat nyc ivguai Can bo Chuan chi Thuong) Co kha nang lam viec doc lap va chiu ap luc cong viec Su dung vi tinh van phong thao Co kha nang tieng anh tot (doc, viet, trao doi bang tieng Anh) Can bo Canh bao rui ro Uu tien can bo co kinh nghiem lam viec linh vuc kinh doanh the Bo phan quan ly nghiep vu chap nhan toan Phong ky thuat va phat hanh 11 3,500,000 17,500,000 - Tot nghiep dai hoc chuyen nganh cong nghe thong tin, dien tu vien thong, tin hoc he chinh quy loai kha tro len Uu tien da co bang thac si hoac dang theo hoc cao hoc Co it nhat nam kinh nghiem quan ly va trien khai cac du an cong nghe thong tin Tieng Anh thao Pho phong - Uu tien nhung ung vien co kinh nghiem quan ly lTnh vuc cong nghe ngan hang, tai chinh, co cac chung chi quoc te ve lap trinh, CSDL, quan tri mang Bo phan ky thuat Can bo quan tri he thong Truong phong Can bo quan ly thiet bi toan & ho tro ky thuat Can bo NC&PT cong nghe Bo phan Phat hanh va xu' ly du lieu Tot nghiep dai hoc chuyen nganh cong nghe thong tin, dien tu vien thong, tin hoc he chinh quy loai kha tro len Tieng Anh trinh c tro len - Uu tien nguoi co kinh nghiem lTnh vuc cong nghe ngan hang, co cac chung chi quoc te ve lap trinh, CSDL, quan tri mang Can bo phat hanh Can by xu ly du lieu phat hanh va toan 57,000,000 10,000,000 10,000,000 8,000,000 8,000,000 15000000 49,000,000 Co kha nang lam viec dQc lap va phoi hop nhom 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 8000000 I ot nghiQp dai hoc RfioTkinh te Cn Wnh nahiem tni thien Chin chan, can than nam trnno viee rman Iv rar nohi’Pn vii thp 15,000,000 12,000,000 4,000,000 4,000,000 4,000,000 8,000,000 STT Vi tri cong tac Nhu cau giai doan I Nhu cau giai doan II Tieu chuan can bo Don gia tien luong Thanh tien Yeu cau ve trudng bo phan: Bo phan In dap noi Co kinh nghiem tuong duong tir 02 nam tro len Am hieu ve thiet bi in dap noi the Phong quan Iv rui ro va kiem soat Trudng phong Pho phong Bo phan quan ly rui ro va giai quyet tranh chap Can bp quan ly rui ro Can bp phat hipn gian lan gia mao I Co kha nang tieng anh tot (dpc, viet, trao ddi bang tieng Anh) Can bp giai quyet tranh chap Uu tien can bp co kinh nghipm lam viec linh vuc kinh doanh the Bq phan kiem tra&kiem soat (QA) ' Phong tin dung va dich vu khach hang 0 Pho phong Bo phan Tin dung va thu hoi ncr Can bo Quan ly tin dyng & thu hoi np tai Trung tam the Can bp Quan ly tin dung & thu hoi no tai Chi nhanh Bq phan dich vu khach hang Su dyng tieng Anh thao Tot nghiep dai hpc loai kha trd len cac trudng khoi kinh te (uu tien trudng dpi hpc Ngoai Thuong) Cd kinh nghiem linh vuc tuong duong Tot nghiep dai hpc loai kha trd len cac nganh kinh te Cd kien thuc ve phap luat, hieu biet sau sac cac quy trinh nghiep vu the Tieng Anh trinh dp C trd len (Rieng ddi vdi Td trudng, yeu cau phai cd kinh nghiem tir 02 nam trd len linh vyc tuong duong) Tot nghiep dai hpc loai kha trd len cac trudng khoi kinh te Co kinh nghiem auan lv can bo tir 03 nam trd len Cd kien thuc va kinh nghiem ve cong tac cham soc khach hang va hieu biet ve nghipp vy the Tieng Anh trinh dp B trd len - Vu tien ngudi da co kinh nghiem linh vyc tin dung Can bp Dong goi va gui the Can bp cham soc khach hang VIP 45 8,000,000 8,000,000 20,000,000 5,000,000 10,000,000 5,000,000 5,000,000 5,000,000 5,000.000 8,000,000 16,000,000 - 12,000,000 10,000,000 12000000 0 10,000,000 43000000 0 54,000,000 10,000,000 15000000 Tot nghipp dai hpc loai kha trd len cac trudng khoi kinh te Chin chan can than Can bp Dich vy khach hang Tong cong 41000000 9,000,000 Tot nghiep dai hpc loai kha tru len cac trudng khoi kinh te Uu tien nam gioi Cd kien thuc, trinh va kinh nghiem tdi thieu 02 nam linh vuc quan ly rui ro the Co kha nang phan doan va tu quyet doan Trudng phong Can bp kiem soat 3,000,000 Tot nghiep tu cao dang trd len cac nganh kinh te Co kha nans su dung tin hoc van nhona Tieng Anh giao tiep - 4,000,000 4,000,000 4,000,000 9,000,000 - 3,000,000 3,000,000 3,000,000 257,000,000 DU' kien chi phi lien quan den ho at dong kinh doanh the Don vi tinh: USD TT Noi dung Trong nam Trong nam Luy ki Nam thu Nam thu Nam thu’ Nam thu Nam thu Luy ki Trong nam Trong nam Luy ki Nam thu Trong nam Luy ki Luy ki Chi phi dau tw ban dau Tong chi phi dau tu ban dau 21,887 4,377 4,377 4,377 8,755 4,377 13,132 500 500 4,377 17,510 4,377 21,887 II Chi phi hoat dong Chi phi bao tri bao duong 350 350 200 Marketing 560.57 561 886.19 1/47 1,465.09 2,912 2,068.45 4,980 2,892.35 7,873 Chi luong 841 841 1,329 2,170 4,395 6,565 3,103 9,668 3,103 12,771 CF chung va chi khac 1,121 1,121 1,772 2,894 2,930 5,824 4,137 9,961 5,785 15,745 2,873 2,873 4,188 7,060 9,291 Tong chi hoat dong III TdNG CONG (l+ll) 21,887 7,250 8,565 13,668 16,351 500 500 9,308 13,685 25,659 11,780 16,157 37,439 NGAN HANG TMCP XANG DAU PETROLIMEX Bieu B02/TCTD (Ban hanh theo QB s6 16/2007/QB-NHNN 18/04/2007 cua Thong d6c NHNN) Dia chi: VP5 Nha 18T1-18T2 Trung Hda Nhan Chinh HN BANG CAN Ddi Klz TOAN PG BANK Thang 06 nam 2011 Toan ngan hang dv tinh: vnd CHi TIEU STT A I II III IV V VI VII VIII IX a b a b a b X a b XI thuy£t MINH IV V VI VII KY TRUCTC S6 DAU NAM TAI SAN Tien mat, vang bac, da quy Tien gui tai NHNN Tidn, vang gui tai cac TCTD va cho vay cac TCTD khac va cho vay cac TCTD khac V.01 194,245,009,666 195,724,390,551 194,340,569,732 V.02 208,511,726,310 396,606,465,423 64,737,768,121 V.03 4,779,980,310,957 6,930,653,085,687 1,788,385,034,019 4,779,980,310,957 6,930,653,085,687 1,788,385,034,019 Tien, vang gui tai cac TCTD khac Cho vay cac TCTD khac Du phdng rui ro cho vay cac TCTD khac (*) Chung khoan kinh doanh V.04 Cac cdng cu tai chinh phai sinh va cac TS tai chinh khac Cho vay khach hang Cho vay khach hang Du phdng rui ro cho vay khach hang (*) Chung khoan dau tu Tai san co khac - - - 222,822,997 11,583,973,245,982 1,724,955,120 10,781,226,644,314 V.07 11,882,970,694,790 (135,613,898,138) 11,718,657,540,727 (134,684,294,745) 10,886,497,072,935 (105,270,428,621) 1,989,259,615,667 2,021,730,735,821 1,941,704,728,817 2,000,759,524,213 2,033,230,644,367 1,953,204,637,363 V.08 - V.09 V.10 V.11 V.12 V.13 Nguyen gia BDSDT Hao mon BDSDT Cac khoan phai thu C-ac khoan lai, phi phai thu Tai san thue TNDN hoan lai Tai san Cd khac - Trong do: Lai th6 thuong mai Cac khoan du phdng rui ro cho cac tai san Co noi bang khac (*) - 7,765,644,639 11,747,356,796,652 Tai san cd dinh Bat dong san dau tu - V.05 V.06 Dau tu vao cdng ty Von gop lien doanh Dau tu vao cdng ty lien ket Dau tu dai han khac Du phdng giam gia dau tu dai han (*) Tai san co dinh huu hinh Nguyen gia TSCD Hao mon TSCD (*) Tai san co dinh thue tai chinh Nguyen gia TSCD Hao mon TSCD (*) Tai san cd dinh vo hinh Nguyen gia TSCD Hao mon TSCD (*) - a Chung khoan dau tu san sang de ban Chung khoan dau tu giu den dao han * phong giam gia chung khoan dau tu (*) Du Gop von, ddu tu dai han - Chung khoan kinh doanh Du phdng giam gia chung khoan kinh doanh (*) V.14 V.14.2 V.22.1 V.14 V 15 - - (11,499,908,546) (11,499,908,546) (11,499,908,546) 92,565,599,105 - 92,566,325,055 - 91,016,641,088 - 94,653,191,563 (2,087,592,458) 94,653,917,513 (2,087,592,458) 93,104,233,546 (2,087,592,458) 154,174,530,651 149,800,279,387 150,284,147,438 121,409,785,291 178,908,055,202 (57,498,269,911) 122,109,227,606 176,951,170,008 (54,841,942,402) 125,102,877,542 167,191,928,937 (42,089,051,395) - - - - - - 32,764,745,360 46,921,027,498 (14,156,282,138) - 27,691,051,781 41,154,759,718 (13,463,707,937) - 25,181,269,896 35,782,759,718 (10,601,489,822) - 1,205,595,439,105 1,217,766,403,999 1,555,444,621,108 920,851,136,593 228,326,866,777 901,258,066,951 255,093,784,122 1,331,666,944,501 173,780,566,932 - 56,417,435,735 - - 61,414,552,926 - - 49,997,109,675 - V.14.3 Tdng tai san co B I II III KY NAY 20,379,454,672,752 22,589,043,754,902 400,000,000,000 5,436,170,450,142 9,452,829,241,942 3,228,776,452,944 5,436,170,450,142 9,452,829,241,942 3,228,776,452,944 16,568,865,109,757 NO PHAI TRA VA VON CHU SO7 HUU Cac khoan ng Chinh phu va NHNN Tidn gui va vay cac TCTD khac V.16 V.17 Tien gui cua cac TCTD khac Vay cac TCTD khac - Tidn giri cua khach hang V.18 Cac cdng cu tai chinh phai sinh va cac khoan ng tai chinh khac V.05 Von tai tra, uy thac dau tip , cho vay TCTD chiu rui ro V.19 Phat hanh giay to- cd gia V.20 Cac khoan ng khac V.22 315,348,455,714 - - - - 9,977,456,498,670 10,704,750,380,539 171,683,500,000 74,747,500,000 481,094,591,572 431,940,000,000 275,838,109,699 61,473,102,431 - 11,175,878,953,964 283,195,749,783 Toan ngan hang STT VIII DV tinh: VND CHi TIEU Cac khoan lai, phi phai tra Thue TNDN hoan lai phai tra Cac khoan phai tra va cong no khac Dir phong rui ro khac ( Dir phong cho cong no tiem An va cam ket ngoai bang) Tdng na phai tra Von va cac quy V6n cua TCTD Von dieu le Von dau tu- XDCB Thang dir von co phan C6 phieu quy (*) C6 phieu tru dai Von khac Quy cua TCTD Chenh lech ty gia hoi dodi Chenh lech danh gia lai tai san Loi nhuan chua phan phoi/ Lo luy ke IX Loi ich cua co dong thieu s6 a b c d e idng na phai tra va vdn chu sd hu>u THUYET MINH V.22.2 V.21 KY NAY KY TRUDC 158,065,153,158 146,749,190,919 137,259,031,609 127,270,848,904 S6 DAU NAM 102,856,830,927 169,133,638,901 V.21 10,534,111,637 11,308,229,186 11,205,279,955 20,212,811,350,311 14,278,195,685,697 V.23 17,980,175,951,391 2,399,278,721,360 2,376,232,404,591 2,290,669,424,060 2,000,000,000,000 2,000,000,000,000 2,000,000,000,000 2,000,000,000,000 41,451,420,351 6,440,495 334,774,543,745 - 2,000,000,000,000 2,000,000,000,000 41,451,420,351 18,313,909,327 230,904,094,382 - 22,589,043,754,902 16,568,865,109,757 41,451,420,351 (4,709,594) 357,832,010,603 20,379,454,672,752 Ha noi, Ngay 05 thang 07 nam 2011 LAP BANG K£ TOAN TRU’b'NG tOng giam dOc Ngan hang TMCP Xang d^u Petrolimex Dia chi: VP5 Nha 18T1-18T2 Trung Hoa Nhan Chinh HN Mau so : B03/TCTD Ban hanh theo QB so 16/2007/QB-NHNN 1S/04/2°07 cua Thong doc NHNN BAO CAO KET QUA HOAT BONG KINH DOANH Thang 06 nam 2011 BV tinh: VND Toan ngan hang STT Chi tieu Thuyet minh Ky Luy ke tu dau nam 15 Thu nhap lai va cac khoan thu nhap toong tu1 (VI.24) 523,645,564,425 2,737,882,319,147 Chi phi lai va cac chi phi toong tu (VI.25) 452,877,147,134 2,242,620,487,734 I Thu nhap lai thuan 70,768,417,291 495,261,831,413 Thu nhap tu hoat dong dich vu 5,156,085,188 42,842,535,711 Chi phi hoat dong dich vu 7,501,433,463 28,280,152,726 II Lai/lo thuan tu hoat dong dich vu (2,345,348,275) 14,562,382,985 (VI.26) III Lai/lo thuan tu hoat dong kinh doanh ngoai hOi (VI.27) IV Lai/lo thuan tu mua ban chung khoan kinh doanh (VI.28) V Lai/lo thuan tu mua ban chung khoan dau tu (VI.29) Thu nhap tu hoat dong khac 9,835,774,615 42,059,039,394 Chi phi hoat dong khac 6,897,653,601 17,521,059,819 2,938,121,014 24,537,979,575 VI Lai/lo thuan tu hoat dong khac (VI.31) VII Thu nhap tu gop von mua co ph£n (VI.30) VIII Chi phi hoat dong (VI.32) IX Loi nhuan thuan tu hoat dong kinh doanh truoc chi phi du phong rui ro tin dung X Chi phi du phong rui ro tin dung XI Tong loi nhuan truoc thue Chi phi thu£ TNDN hien hanh Chi phi thue TNDN hoan lai 490,167,786 - 4,620,944,361 1,252,457,719 - - 312,000,000 31,266,576,731 176,531,748,399 40,584,781,085 364,015,847,654 7,527,314,226 40,623,049,083 33,057,466,859 323,392,798,571 10,000,000,000 79,208,318,991 - XII Chi phi thue TNDN (VI.33) XIII Loi nhuan sau thue - 10,000,000,000 79,208,318,991 23,057,466,859 244,184,479,580 XIV Loi ich cua co dong thieu so - XV Lai co ban tren co phi4u - Ha noi, 05 thang 07 nam 2011 Lap bang Ke toan truong Tong giam doc NGAN HANG TMCP XANG DAU PETROLIMEX Bieu B02/TCTD (Ban hanh theo QD so 16/2007/QB-NHNN 18/04/2007 cua Thong ddc NHNN) Dia chi: VP5 Nha 18T1-18T2 Trung Hoa Nhan Chinh HN BANG can dOi k£toan PGBANK Nam 2010 Toan ngan hang A ii CHI TIEU 1- STT 31/12/2010 1/1/2010 TAI SAN I II Tidn mat, vang bac, da quy Tidn gui tai NHNN III Tifen, vang gu *i tai cac TCTD va cho vay cac TCTD khac va cho vay cac TCTD khac Tien, vang gui tai cac TCTD khdc Cho vay cac TCTD khac Dir phong rui ro cho vay cac TCTD khac (*) IV Chung khoan kinh doanh - Chung khoan kinh doanh - - Du phong giam gia chung khodn kinh doanh (*) Cac cong cu tai chinh phai sinh va cac TS tai chinh khac Cho vay khach hang Cho vay khach hang Du phong rui ro cho vay khach hang (*) Chung khoan ddu tu Chung khodn dau tu san sang de ban Chung khoan dau tu giu den dao han Du phong giam gia chung khoan dau tu (*) Gop vdn, dau tu dai han Dau tu vao cong ty Von gop lien doanh Ddu tu vao cong ty lien ket Dau tu dai han khac Du phong giam gia dau tu dai han (*) Tai san cd dinh Tai san co dinh huu hinh Nguyen gia TSCD Hao mon TSCD (*) Tai san co dinh thue tai chinh Nguyen gia TSCD Hao mon TSCD (*) Tai san co dinh vo hinh Nguyen gia TSCD Hao mon TSCD (*) BSt dong san ddu tu Nguyen gia BDSDT Hao mon BDSDT Tai san cd khac Cac khoan phai thu Cac khoan lai, phi phai thu Tai san thue TNDN hoan lai Tai san Co khdc - - V VI VII VIII IX a b a b a b X a b XI - Trong i cua khach hang IV Cac cong cu tai chinh phai sinh va cac khoan ng tai chinh khac V VI VII VIII a b c d e g IX Tdng Vdn tai trg, uy thac ddu tir , cho vay TCTD chiu rui ro Phat hanh gidy td co gia Cac khoan ng khac Cac khoan lai, phi phai tra Thue TNDN hoan lai phai tra Cac khoan phai tra va cong ng khac Dir phdng rui ro khac ( Du phdng cho cong ng tiem an va cam ket ngoai bang) Tdng ng phai tra Vdn va cac quy Vdn cua TCTD Vdn dieu le Vdn dau tu XDCB Thang du vdn cd phan Co phieu quy (*) Co phieu uu dai Von khac Quy cua TCTD Chenh lech ty gia hoi doai Chenh lech danh gia lai tai san Loi nhuan chua phan phoi/ Lo luy ke Lgi ich cua cd dong thidu sd ng phai tra va vdn chu sa hti’u THUY^T MINH 31/12/2010 1/1/2010 - 3,228,776,452,944 3,228,776,452,944 - 180,596,921,861 1,965,421,074,357 1,965,421,074,357 - 10,704,750,380,539 6,896,041,537,588 61,473,102,431 - 332,398,424 - 283,195,749,783 102,856,830,927 - 50,000,000,000 232,633,737,446 94,645,422,832 - 169,133,638,901 133,045,907,448 11,205,279,955 14,278,195,685,697 2,290,669,424,060 2,000,000,000,000 2,000,000,000,000 - 4,942,407,166 9,325,025,669,676 1,093,484,694,173 1,000,000,000,000 1,000,000,000,000 41,451,420,351 18,313,909,327 - 25,926,947,745 12,600,781,921 - 230,904,094,382 - 54,956,964,507 - 16,568,865,109,757 10,418,510,363,849 Ha noi, Ngay 10 thang 01 n5m 2011 LAP BANG K£ TOAn TRUONG TdNG giamdOc I Ngan hang TMCP Xang ddu Petrolimex Dia chi: VP5 Nha 18T1-18T2 Trung Hda Nhan Chinh HN Mau so : B03/TCTD Ban hanh theo QD so 16/2007/QD-NHNN 18/04/2007 cua Thong doc NHNN BAO CAO KET QUA HOAT DONG KINH DOANH Nam 2010 DV tinh: VND Toan ngan hang STT Chi tieu Thuydt minh Nam 2010 Nam 2009 Thu nhap lai va cac khoan thu nhap tuong tu (VI.24) 1,463,968,787,507 836,293,981,758 Chi phi lai va cac chi phi tuong tu (VI.25) 949,742,855,551 541,671,680,802 I Thu nhap lai thuan 514,225,931,956 294,622,300,956 Thu nhap tu hoat dong dich vu 126,735,016,125 63,878,333,237 Chi phi hoat dong dich vu 54,016,693,140 26,598,219,985 II Lai/ld thuan tu hoat dong dich vu (VI.26) 72,718,322,985 37,280,113,252 III Lai/lo thuan tu hoat dong kinh doanh ngoai hoi (VI.27) 17,278,046,679 44,072,113,244 IV Lai/ld thuan tu mua ban chung khoan kinh doanh (VI.28) V Lai/lo thuan tu mua ban chung khoan ddu tu (VI.29) Thu nhap tu hoat dong khac Chi phi hoat dong khac - 1,459,600,000 11,184,836,990 19,891,346,031 50,471,508,602 23,958,282,751 7,240,769,617 70,371,857 VI Lai/ld thudn tu hoat dong khac (VI.31) 43,230,738,985 23,887,910,894 VII Thu nhap tu gop von mua co phan (VI.30) 7,763,906,900 11,116,030,000 VIII Chi phi hoat dong (VI.32) 284,627,267,836 158,105,824,704 381,774,516,660 274,223,589,673 88,903,694,145 43,966,570,133 292,870,822,515 230,257,019,540 76,802,990,024 55,300,055,033 IX Lgi nhuan thuan tu hoat dong kinh doanh trudc chi phi du phong rui ro tin dung X Chi phi dy phong rui ro tin dung XI Tong lai nhuan trudc thud Chi phi thue TNDN hien hanh Chi phi thue TNDN hoan lai - XII Chi phi thud TNDN (VI.33) XIII Lgi nhuan sau thud - 76,802,990,024 55,300,055,033 216,067,832,491 174,956,964,507 XIV Lgi ich cua co dong thieu sd - - XV Lai ca ban tren co phidu - - Ha noi, 10 thang 01 nam 2011 Lap bang Ke toan truong Tong giam ddc NGAN HANG TMCP XANG DAU PETROLIMEX Bieu B02/TCTD (Ban hanh theo Q£) s6 16/2007/QB-NHNN 18/04/2007 cua Thdng phdng rui ro tin dung X Chi phi dir phdng rui ro tin dung XI Tong lgi nhuan trird’c thue 230,270,298,646 91,613,754,488 Chi phi thue TNDN hien hanh 57,493,274,320 26,077,257,777 Chi phi thue TNDN hoan lai - - XII Chi phi thud TNDN XIII Lgi nhuan sau thud XIV Lgi ich cua co ddng thieu so - - XV Lai ca ban tren co phidu - - (VI.33) 57,493,274,320 26,077,257,777 172,777,024,326 65,536,496,711 £)6ng Thap, 20 thang 01 nam 2010 Lap bang Kd toan trird’ng Tong giam doc JGAN HANG TMCP XANG DAU PETROLIMEX Bieu B02/TCTD (Ban hanh theo QD so 16/2007/QD-NHNN 32-134 Nguyln Hue- P2- TP Cao Lanh- Ddng Thap BANG can dOi k£toan PG BANK Nam 2008 foan ngan hang STT A CHl TIEU THUY^T MINH KY NAY s6 dAu NAM TAI SAN I II Tidn mat, vang bac, da quy Tien gu’i tai NHNN III Tidn, vang gu’i tai cac TCTD va cho vay cac TCTD khac va cho vay cac TCTD khac Tien, vang gu’i tai cac TCTD khac Cho vay cac TCTD khac Dy phdng rui ro cho vay cac TCTD khac (*) IV 153,953,546,683 64,396,747,146 24,806,541,852 239,142,004,797 1,931,611,833,143 1,931,611,833,143 - 1,090,474,675,641 1,090,474,675,641 - Chung khoan kinh doanh 146,877,850,000 50,018,860,101 Chung khoan kinh doanh Dir phdng giam gid chung khoan kinh doanh (*) Cac cong cu tai chinh phai sinh va cac TS tai chinh khac Cho vay khach hang Cho vay khach hang Dy phdng rui ro cho vay khdch hang (*) Chii’ng khoan ddu tip Chung khoan dau tir s§n sang de bdn Chung khoan dau tu gift den dao han Du phdng giam gia chung khoan ddu tu (*) Gop vdn, ddu tu dai han Ddu tu vao cong ty Von gop lien doanh Dau tu vao cong ty lien ket Dau tu dai han khac Du phdng giam gia ddu tu dai han (*) Tai san co dinh Tai san co dinh huu hinh Nguyen gia TSCD Hao mon TSCD (*) Tai san cd dinh thue tai chinh Nguyen gia TSCD Hao mon TSCD (*) Tai san co dinh vo hinh Nguyen gia TSCD Hao mon TSCD (*) Bdt dong san ddu tu Nguyen gia BDSDT Hao mon BDSDT Tai san co khac Cac khoan phai thu Cac khoan lai, phi phai thu Tai san thud TNDN hoan lai Tai san Cd khac 146,877,850,000 - 50,018,860,101 - V VI VII VIII IX a b a b a b X a b XI - Trong 36: Loi th6 thuong mai Cac khoan dy phdng rui ro cho cac tai san Cd noi bang khac Tdng tai san cd 1,992,000,000 2,347,554,848,677 2,365,281,759,643 (17,726,910,966) 1,013,351,608,417 1,029,594,682,640 - 84,479,271,695 (2,457,315,000) 62,404,113,235 48,576,894,808 57,566,958,678 (8,990,063,870) 13,827,218,427 15,002,907,306 (1,175,688,879) 425,939,797,123 345,074,459,486 64,855,928,721 - 1,913,681,838,577 1,917,569,241,960 (3,887,403,383) 779,115,357,922 779,115,357,922 40,800,000,000 40,800,000,000 30,181,491,257 25,530,290,972 27,598,673,385 (2,068,382,413) 4,651,200,285 4,653,699,970 (2,499,685) 513,034,462,415 320,665,379,867 40,293,176,533 - 16,009,408,916 - 152,075,906,015 - (16,243,074,223) 82,021,956,695 - 6,230,104,301,119 - 4,681,255,232,561 roan ngan hang STT CHi TIEU THUYET MINH KY NAY S6 DAU NAM B I II NO PHAI TRA VA V6N CHU SO HU’U Cac khoan ncr Chinh phu va NHNN Tidn gu’i va vay cac TCTD khac Tien gui cua cac TCTD khac Vay cac TCTD khac 2,684,518,256,255 2,684,518,256,255 - 2,768,096,980,000 2,768,096,980,000 - III Tien gu’i cua khach hang 2,199,038,932,980 1,311,882,005,505 IV Cac cong cu tai chinh phai sinh va cac khoan ng tai chinh khac 167,579,483,282 97,008,860,679 56,484,524,320 40,372,315,796 57,891,650,952 36,393,794,566 21,439,807,564 152,020,563 5,148,145,533,196 1,081,958,767,923 1,000,000,000,000 1,000,000,000,000 10,390,451,034 71,568,316,889 6,230,104,301,119 58,048,822 4,137,870,636,457 543,384,596,104 500,000,000,000 500,000,000,000 V VI VII VIII a b c d e g IX Tdng Vdn tai trg, uy thac ddu tu>, cho vay TCTD chiu rui ro Phat hanh giiy td co gia Cac khoan ng khac Cac khoan lai, phi phai tra Thue TNDN hoan lai phai tra Cac khoan phai tra va cong ng khac Du phong rui ro khdc ( Du phong cho cong ng tiem an va cam kdt ngoai bang) Tong ng phai tra Vdn va cac quy Von cua TCTD Von didu le Vdn dau tu XDCB Thang du von co phan Co phieu quy (*) Co phieu uu dai Vdn khac Quy cua TCTD Chenh lech ty gia hoi doai Chenh lech danh gia lai tai san Lgi nhuan chua phan phoi/ Ld luy ke Lgi ich cua cd dong thidu so ng phai tra va vdn chu sd hu’u E)6ng Thap, Ngay LAP BANG k£ toAn truong 2,427,068,708 4,086,571 40,953,440,825 4,681,255,232,561 thang 01 nam 2009 T6NG giAm dOc Ngan hang TMCP Xang d3u Petrolimex Dia chi:! 32-134 Nguyen Hue - P2 - Cao lanh - Ddng Thap Mau so : B03/TCTD Ban hanh theo QB s6 16/2007/QD-NHNN n°®y 18/04/2007 cOa Thong doc NHNN BAO CAO KEzT QUA HOAT DONG KINH DOANH (HOP NHAT) Nam 2008 Toan ngan hang STT Chi tieu Thuyet minh Sd nam Sd nam trub’c 1 Thu nhap lai va cac khoan thu nhap tifong tu (VI.24) 559,463,513,275 171,430,193,537 Chi phi lai va cac chi phi tuong tu (VI.25) 425,043,885,857 98,380,252,397 134,419,627,418 73,049,941,140 16,072,468,867 1,839,644,779 9,634,771,705 1,513,998,576 Thu nhap lai thuan Thu nhap tir hoat dong dich vu Chi phi hoat dong dich vu II Lai/ld thuan tir hoat dong dich vu (VI.26) 6,437,697,162 325,646,203 III Lai/lo thuan tir hoat dong kinh doanh ngoai hdi (VI.27) 71,723,521,889 10,227,224,051 IV Lai/ld thuan tir mua ban chirng khoan kinh doanh (VI.28) (13,594,793,389) V Lai/ld thu£n tir mua ban chirng khoan dau tir (VI.29) Thu nhap tir hoat dong khac Chi phi hoat dong khac VI Lai/lo thuan tir hoat dong khac VII VIII - 5,688,957,022 - 2,202,168,441 1,039,224,078 74,176,287 296,577,361 (VI.31) 2,127,992,154 742,646,717 Thu nhap tir gop vdn mua cd phdn (VI.30) 741,298,862 Chi phi hoat dong (VI.32) 97,409,153,223 23,663,840,333 110,135,147,895 60,681,617,778 - IX Loi nhuan thuan tir hoat dong kinh doanh trub’c chi phi dir phdng rui ro tin dung X Chi phi du phdng rui ro tin dung 16,043,755,760 3,747,542,918 XI Tong lgi nhuan trub’c thud 94,091,392,135 56,934,074,860 Chi phi thue TNDN hien hanh 22,523,075,246 16,013,741,953 Chi phi thue TNDN hoan lai XII Chi phi thud TNDN XIII Lgi nhuan sau thud XIV Lgi ich cua co ddng thieu sb XV Lai co ban tren cd phidu (VI.33) 22,523,075,246 16,013,741,953 71,568,316,889 40,920,332,907 1,540 Ddng Thap, Ngay Lap bang - - Ke toan trucrng thang nam 2009 Tong giam doc