báo cáo thường niên ngân hàng thương mại cổ phần liên việt 2009

BAÁO CAÁO THÛÚÂNG NIÏN 2009 #e#h#)TS#"MQp%eo#!O#+OM)  www.lienvietbank.net "@"@ !D\BL"_"_!FD@\Da"_!F !D!XZB#BL!  F H_@!\D@"_XZ  (cn76\n:@5.g:58fn<  #4.g:5:45\q76:51;.:5  .V0?cn76\n:j.V:405AVEV:d9  !DbH?#ZX H@  "_5`:5@_r05cV00Am.#4f:5.g:4!6\:+6\n@:d9  "_5`:5@_r05cV0@.n6_n6?bm  "_5`:5@_r05cV0@.n656:5.V:5  !EV8a05@;V9@dJ@0Am..:8.W:5j.n;  _n6j_q:4&A.m:@>a  .: 6\r9?;.V@  .:i6\qA5.g:5  i_n6:4AW0.V:/_nB.g05]:5?.V05j_Y6BbV6:4cbg68.;j_n:4  (_Y8cbn:4.V:/_n:5f:B6\:  5\Yj_nj_Y6BbV6#4cbg68.;j_n:4  BA!"_@!\D@I  )_r:4@.g6?.m:  AEj_n:4B_Y:  c:bn@]:1An:4  !bn6:5Afn:@>cbV0@5A\Y  %5.V@@>6\r:0.V05;.n@j_n:41a05BAn # ? H@BL#Z@!\D@\Z!BbD@\Da # \FHG??!!BbI # ??!ZC # @HG?F Liùn kùởt Phaỏt triùớn BAO CAO THNG NIẽN 2009 # d9j.W752V<8.n6j.V:51fYA5.6:d9@>cbm:4@5.g:5B.gBcb:9`:50Am.#4f: 5.g:4!6\:+6\n@@>cbV0:5cW:4/6\Y:j_n:40Am.75Am:45;.m:476:5@\Y@.g605]:5@>\: <5.n9B6@;.g:0fqA!.g9_n@:4f:5.g:4:;:@>2m>.jbg6B.g@5.g:58fn<?.A7569.g@5a @>cbg:4+6\n@#.9j.W0;V>fY@:56\qA0.V0:4f:5.g:48bV:9.n:5j6@>cbV0#4f:5.g:4 !6\:+6\n@/ajdn@@>;:4@`:5@5\Y0.n:5@>.:54.E4dJ@B.g:56\qA@5cm@5.V058bV:)>;:4 /_Y60.m:5j;V/dX:4?cV09.n:5@fn<@5\rBbV6ja:55cbV:4B.g056\Y:8cbn0>;W:2V@46.m6 <5.V<jAV:4jdJ:0Am._n6j_q:4&A.m:@>a.: 6\r9?;.V@.:i6\qA5.g:50Ag:4?cn:_[8cn00_Y4dJ:4 0Am.@;.g:@5\rj_n6:4AW0.V:/_n:5f:B6\:#4f:5.g:4!6\:+6\n@j.Wj.n@jcbn0:56\qA@5.g:5@cnAj.V:4 7\r@>\:9;n68k:5Bcn0 5c.jfqE5.6:d9j6B.g;5;.n@j_n:4#4f:5.g:4!6\:+6\n@j.W75dZ:4ja:58.g9_n@:4f:5.g:4 05AE\::456\n<:d:4j_n:4j_r69bV6B.gAE@]:i\Y:@_r:4@.g6?.m:0Am.#4f:5.g:4 !6\:+6\n@j.n@@Emj_q:48bn6:5Afn:@>cbV0@5A\Yj.n@@Emj_q:45;.g:@5.g:5jbn@@d:4B_Y: j6\qA8\n@cg8\:@Emj_q:4jc.B.g;5;.n@j_n:4j6\r946.;1a05@>\:@;.g:=A_Y0@5cn0 56\n:jcbn05b:05cb:4@>`:5@cg@56\n:@.g6@>bnD.W5_n6BbV6:4f:?.V054fq:@Emj_q:4jcbn0 #4f:5.g:4#5.g:cbV005^ja:58.g:4f:5.g:4<5An0BAn1cn.V:F%5.V@@>6\r::d:48cbn:4@.V6@.n;B.g9bm >_n:40.m6@.n;8cbV6j6\n:05;0.V0D.WBAg:4?fABAg:4D.H1;#4f:5.g:4%5.V@@>6\r:05fAK@.g6@>bn )5cb:456\nA#4f:5.g:4!6\:+6\n@j.W@cg:4/cbV0jcbn075dZ:4ja:5j_Y6BbV60.V075.V055.g:4 #d98.g9_n@:d90;V:56\qA1cn/.V;75.V0:5.Aj_Y6BbV6?cn<5.V@@>6\r:0Am.:\q:76:5@\Y+6\n@ #.9B.g@5\Y46bV6@>;:45;.g:0.m:575;V75d:0Am.@5bg67EgjfqA9bV65_q6<5An0?.A0A_n075Am:45;.m:4 76:5@\Y)AE:56\:jfE0AW:48.g:d95cV.52n:0;V:56\qA0b5_n6@_Y@05;5;.n@j_n:40Am.#4f:5.g:4 !6\:+6\n@+bV6056\Y:8cbn05;.n@j_n:4@cg:d9@>bmj68.g ;+YM0]YM764U`6+%[0+/RL66410* 0+VK0*0*Y0+%[0*&%J0.)`+%[0*]Yc7#,OL6%/2+%J664,Od0/%L0+'%J'5%`02+Yd/(T'+87L&%J0 '+)J1-OM6+UL2&%J0&7R08%[-,0+(1%0+]%0W0*6+)1]7J0*37:]T0+'7`%2+%J2.7YL6=#4f: 5.g:4!6\:+6\n@D.V0ja:5:d98.g:d9>fY@=A.:@>;n:405;?cn/cV@<5.V@.n;@6\q:j\q05;B6\n0 <5fY:jfYA@>bm@5.g:59_n@:4f:5.g:45.g:4jfqA+6\n@#.9 +bV6<5cb:405f9 ;,O0-OM62+%J664,Od0=@5.E9dn@_n6j_q:4&A.m:@>a.:i6\qA5.g:5#4f: 5.g:4!6\:+6\n@@_6@6:@cbm:4?fA?dJ0BbV6?cnAm:45_n5bn<@.V00Am.&AEV75.V055.g:4&AEV0_rj_:4 0.V0j_Y6@.V0@>;:4B.g:4;.g6:cbV00Ag:4:5cW:4:_[8cn00_Y4dJ:475_:4:4cg:40Am.@;.g:@5\r0.V:/_n :5f:B6\:@>;:4:4f:5.g:4#4f:5.g:4!6\:+6\n@?2W5;.g:@5.g:5@_Y@:5cW:49An0@6\A7\Y5;.n05 056\Y:8cbn046.6j;.n:B.g7\Y5;.n051.g65.n:@>;:4@cb:48.6jc.Ba@5\Y0Am.#4f:5.g:4 !6\:+6\n@8\:@fq90.;9bV6 )>f:@>;n:4t THệNG IẽồP CUA CHU TếCH HệI ệèNG QUAN TRế TS#Q#"# 5Am@a05_n6j_q:4&A.m:@>a  www.lienvietbank.net #4f:5.g:4)5cb:49.n60_r<5fq:!6\:+6\n@ #4f:5.g:4!6\:+6\n@ !62:+62@;6:@(@;07;992>06.8.:7 !62:+62@.:7 (_Y#4AE\[:_:4)>cV<5cbg:4@5aD.W+a)5.:5 @^:5fnA6.:4 Q:4cb:4_:4"6:5 Q:4#4AE\[:icV0cbm:4  \r@cg:4.gE)_r:446.V9j_Y08.gQ:4!\ _q:4%5;:4   CCC862:B62@/.:7:2@ (_Y%###1;)5_Y:4j_Y0#4f:5.g:4#5.g:cbV0 +6\n@#.90fY<:4.gE 5.6@>cb:45;.n@j_n:4:4.gE@.n6@^:5fnA 6.:4  _:4@E)>.V05:56\n95cWA5.n: %" THÖNG TIN NGÊN HAÂNG LIÏN VIÏåT !O0]Yc:]7` !O0*1L,6W>6 !O0*,%1(T'+6,OM0*0+ !O08,OM66W>66,OM0*0+ \T%'+Q +7`6T'+\! !Rd0**,%J/]RM' \,OL06+1%L, %9 $)&5,6) ,YM:2+)J2+1%L6]RL0* %K5RM6+7OM R0*6:-,Od/61%J0 Liùn kùởt Phaỏt triùớn BAO CAO THNG NIẽN 2009 I. LếCH S HOAT ệNG CUA NGấN HANG VL-,OL06+%[0+.YL2 #4f:5.g:4)5cb:49.n60_r<5fq:!6\:+6\n@jcbn0@5.g:58fn<@52;6fYE<52V<5;.n@j_n:4?_Y %###1;)5_Y:4j_Y0#4f:5.g:4#5.g:cbV0+6\n@#.90fY<:4.gEB.gjcbn00fY< 6fYE05cV:4:5fn:jd:47EV76:51;.:5?_Y1;(bm \Y5;.n05B.gifqA@c@^:5fnA6.:4 0fY<:4.gE #4.gE!\[0_:4/_Y6fYE<52V<@5.g:58fn<B.g5;.n@j_n:4#4f:5.g:4)"%!6\:+6\n@ !\[7EV7\Y@BbV60.V0j_Y6@.V08bV:B.g!\[@>.;46.m60A_n0@56?.V:4@.V0!;4;B.g(8;4.: #4.gE 5.6@>cb:45;.n@j_n:4#4f:5.g:4)"%!6\:+6\n@@.n6@^:5fnA6.:4 *%[0+0*+Oc-,0+(1%0+ .V0:456\n<BAnB\q76:51;.:5:4f:5.g:4:5c 6#456\n<BAn5AEj_n:4B_Y:@cg5;.n@j_n:4:5fn:@6\q:4cm6<5.V@5.g:505cV:405^@6\q:4cm6@>.V6 <56\YAB.g46fYE@bg0;V46.VB.EB_Y:0Am.0.V0@_r05cV0@]:1An:4B.EB_Y::4dJ:5.n:0Am.#4f:5.g:4#5.g :cbV0B.g5`:5@5cV05AEj_n:4B_Y:75.V0@52;=AEja:5 66#456\n<BAnB\q0fY<@]:1An:405;@_r05cV00.V:5f:1cbV60.V05`:5@5cV0:5c05;B.E056\Y@75fYA @5cb:4<56\YAB.g46fYE@bg0;V46.V75.V0/.m;8.W:505;@5A\@.g605]:5B.g0.V05`:5@5cV00fY<@]:1An:4 @52;=AEja:5 666a05BAn@5.:5@;.V:B.g:4f:=AEW 6B.V05;.n@j_n:475.V0:5c4;V<B_Y:9A.0_r<5fq:0Am.0.V01;.:5:456\n<@5.946.@5a@>cbg:4 @6\q:@\n76:51;.:5@5.g:58fn<0_:4@E@>cn0@5A_n05;.n@j_n:4AmE@5.V0:5fn:AmE@5.V08.g9j.n68EV @>;:40.V08k:5Bcn086\:=A.:j\Y:5;.n@j_n:4:4f:5.g:40A:4cV:41a05BAn/.m;56\r9I #4;.g60.V0:456\n<BAn76:51;.:5@>\:#4f:5.g:4!6\:+6\n@0;g:jcbn0#4f:5.g:4#5.g:cbV0 05;<52V<76:51;.:5@>;:40.V05;.n@j_n:45;.n@j_n:40A:4cV:41a05BAn:4;.n65_Y6/.;4_q9 0A:4cV:40.V01a05BAn@5.:5@;.V:=A_Y0@\Y@5cn056\n:0.V046.;1a059A./.V::4;.n65_Y6@>\:@5a @>cbg:4:cbV0:4;.g65;.n@j_n:4jfqA@c@>\:@5a@>cbg:4=A_Y0@\YI  www.lienvietbank.net  5.6@>cb:4%5;g:446.;1a05!6\[A6.656:5.V:5.g#_n6  )6\Y<j;V:5Am@a05:cbV0#4AE\[:"6:5)>6\Y@@bV6@5d9B.g8.g9B6\n0BbV6#4f:5.g:4!6\:+6\n@  6\[:>.F!\[7EV7\Y@@5;m.@5Afn:5bn<@.V046cW.#4f:5.g:4%5.V@@>6\r:+6\n@#.9+ B.g#4f:5.g:4!6\:+6\n@B\qB6\n00fY</.m;8.W:5B.EB_Y:05;75.V055.g:41;.:5:456\n< @.n6!62:+62@.:7  )>.;@dn:4B.gAm:45_n&AEWs+`:4cbg6:452g;s@^:5&A.m:4#4.W6@Emj_q:4  )6\Y< j;V: %5;V)5_Y:4 j_Y0 ### #4AE\[: i_q:4)6\Y: @bV6 @5d9 B.g 8.g9 B6\n0 @.n6 #4f:5.g:4!6\:+6\n@  EV5bn<j_q:4@.g6@>bn46.m6@5cbm:4F)cn5.g;?cm+6\n@HBbV6@_r:476:5<5]4fq:@Emj_q:4  EV7\Y@5bn<@.V0@;.g:16\n:BbV6)>cbg:4i.n65;n0 6:5@\Y&A_Y01f:  EV7\Y@8\[@5;m.@5Afn:5bn<@.V0@;.g:16\n:46cW.#4f:5.g:4!6\:+6\n@BbV6)_r:40_:4@E _r<5fq:.m;56\r9fqA75]+6\n@#.9%+  )_r05cV08\[j_n:4@5_rDfE1cn:4)>cbg:49fq9:;:.m6&A\Y@dn:405;D.W.m6&A\Y 5AE\n:.m6!d:4@^:5&A.m:4)>a@>a46.V@Emj_q:4  5bm6 0_:4 DfE 1cn:4 F#5.g @>AE\q: @5_Y:4 B.g)5c B6\n:H)>cbg:4 %)) . i`:5 5AE\n:#4.(b:@^:5)5.:5;V.0;V@>a46.VcbV0@]:54fq:@Emj_q:4  )6\Y<j;V:)_r:4]@5c#_:4icV0".n:5@bV6@5d9B.g8.g9B6\n0@.n6#4f:5.g:4!6\:+6\n@  5.6@>cb:45;.n@j_n:4%5;g:446.;1a05)f:%5AV)5.n:5G(bm46.;1a05fnA6.:4 @5aD.W+a)5.:5@^:5fnA6.:4  Ag:4_:4@E%/fY@j_n:4?.m:.:28698.98.g98\[j_n:4@5_rDfE)>cbg:49fq9:;: @5_:!.)56\n:D.W).m:_q:45AE\n:.+`.g#_n6BbV6@_r:476:5<5]jfqA@c75;.m:4 @Emj_q:4  5.6@>cb:45;.n@j_n:456:5.V:5A:4&AfY@@5.g:5<5_Y&A.m:4#4.W6@^:5&A.m:4#4.W6  5.6@>cb:45;.n@j_n:456:5.V:55bn!bV:@5.g:5<5_Y_q5]"6:5  5.6 @>cb:4 5;.n@ j_n:4 %5;g:4 46.; 1a05 %5AV "EW c:4 B.g %5;g:4 46.; 1a05 `:5)5bV6@5.g:5<5_Y_q5]"6:5  )6\Y<j;V:%5;V)5Am@cbV:45]:5<5Am#4AE\[:)56\n:#5f:i.n6@cbV:4%5.n9+d:)>.g #4AE\:*lEB6\:_n5]:5@>a_n@>cbm:4_n&A_Y0<5;g:4j\Y:@5d9#4f:5.g:4 !6\:+6\n@  )5_Y:4j_Y0###/.:5.g:5&AE\Y@ja:5?_Y&i###05;<52V<<5.V@5.g:5 46fYE@bg0;V46.V1.g65.n:/dX:4+#:d9BbV6@_r:49\n:546.V@Emj_q:4  5.6@>cb:45;.n@j_n:456:5.V:5fq:)5b@5.g:5<5_Yfq:)5b  )_r 05cV0 !\[ 75bm6 0_:4 DfE 1cn:4)>A:4 @f9 6.V; 1An0 G - @\Y D.W)`:5 cb:4 5AE\n: fr9 5\ @^:5 %5AV )5;n 1; #4f: 5.g:4 !6\: +6\n@ B.g )_r:4 46.V9 j_Y0 #4AE\[:icV0cbm:4@.g6@>bnBbV6@_r:446.V@>acbV0@;.V:@Emj_q:4  %5_Y6 5bn< BbV6 *# 5AE\n: .m6 !d:4 &A.m:4 )>a @_r 05cV0 !\[ 75.V:5 @5.g:5 )>cbg:49fq9:;:.m6&A\Y@.n6D.W.m6&A\Y5AE\n:.m6!d:4@^:5&A.m:4)>aBbV6 @_r:4@>a46.V@Emj_q:4  )_r05cV0!\[75.V:5@5.g:5)>cbg:4@6\rA5;n0D.W#5f:;g.5AE\n:&A\Y+;W@^:5dJ0#6:5 %J'5VL-,OL0]%J0*'+7J:J0W/  Liïn kïët Phaát triïín BAÁO CAÁO THÛÚÂNG NIÏN 2009  )5.g:58fn<#4f:5.g:4!6\:+6\n@i6\n:@cm  5bm60_:4DfE1cn:4)>cbg:49fq9:;:05;fY<!.g;).V;)5cbn:4D.W)>A:4!fn<)5cbn:4 @5A_n0BAg:4jfY@Am56.:55Ag:4@<_q5]"6:5BbV6@_r:41cn@;.V:@Emj_q:4  #4f:5.g:4!6\:+6\n@B.g0_:4@E_r<5fq:69!.9j.W@_r05cV0!\[0_:4/_Y5bn<@.V0 jbWjfqA5AE\n:,]:"fq:@^:5.g6.:4B\q:_n61A:40b/.m:8.g46.;@5_:446.V;1An0B.g j.g;@.n;0.V:/_nj_q:4@5bg68.g!\[75bm60_:4DfE1cn:40fqA#.!.:5AE\n:,]:"fq:1;5.6 jb:Ba@.g6@>bn  #4f:5.g:4!6\:+6\n@@>cn0@6\Y<@dn:4=A.g0cVA@>bn05;j_q:4/.g;4dn<75;V75d:BbV6 ?_Y@6\q:@>6\nAj_q:4  EV7\Y@!\[@5;m.@5Afn:5bn<@.V046cW.#4f:5.g:4!6\:+6\n@B.g@>cbg:4i.n65;n0#4;.n6@5cb:4 .g#_n6  ;.g:@5.g:5jbn@@d:4B_Y:j6\qA8\n@cg@Em8\:@Emj_q:4  )>.;@6B605;0.V046.V;B6\:@5A_n0BAg:475;V75d:0Am.@^:5)5.:5;V.@56\Y@/a 1.nE5;n005;)>cbg:4)(D.W+k:5)6\Y:5AE\n:+k:5!_n0B.g;n0/_r:4#4AE\[:i.:&A\Y 05;0.V05;n0?6:556\YA5;n00Am.@^:5)5.:5;V.  5]:5@5cV0<5.V@5.g:505cV:405^@6\q:4cm64561.:5@>\:@;.g:5\n@5_Y:4BbV69\n:546.V @_Y6@56\rA8.g+#iB.g*(05cV:405^@6\q:4cm6  5.6@>cb:45;.n@j_n:4%5;g:446.;1a05)>6\nA+6\n@+cb:456:5.V:5)5d:4!;:4 @5.g:5<5_Y.g#_n6  #4f:5.g:4!6\:+6\n@@>6\r:75.6("(.:76:446.6j;.n:  )>.;<5fq:=A.g@>a46.V@>6\nAj_q:405;0.V005.VA5;n0?6:5@6\rA5;n0@>A:45;n00b?bm @.n6@<&AE#5b:B.g0.V0D.WBAg:4B2:/a.m:55cbm:4/bm60b:/.W;?_Y0Am.@^:5`:5ia:5  )6\Y<j;V:)5Am@cbV:4#4AE\[:)fY:AW:40Ag:4i.n6@cbV:4%5.n9+d:)>.g:4AE\:_n@>cbm:4 _n&A_Y0<5;g:4B.g)5_Y:4j_Y0####4AE\[:+d:6.gA  #4f:5.g:4!6\:+6\n@B.g)_r:40_:4@E!cb:4@5cn0"6\q:#.9+#$$8.g:5.g @.g6@>bn05]:50Am.!6\:5;.:2?@6B.88AV.4.n;+6\n@#.98fq:@5cV:5fY@:d9jcbn0 @_r05cV0@.n6@^:5fnA6.:4  i;.g:0.V:/_n#4f:5.g:4!6\:+6\n@1;)_r:446.V9j_Y0#4AE\[:icV0cbm:41f[:jfqAj.W 8\:jcbg:4?.:4_n:45;g.f:05Am#5f:1f:!.g;:cbV005Am:5.g(.92?j\r@>cn0 @6\Y<0_rBAWi;.g:@5\r@5.;+6\n@#.9B.g@>.;@5cbm:405;0.V0Bfn:j_n:4B6\:j;.n@46.m6DAfY@ ?dJ0BbV6@_r:446.V@>a4fq:@Emj_q:4  5.V:5@5.g:5#5.g)>AE\q:@5_Y:4B.g@5cB6\n:)>cbg:4%)).i`:5@5a@>fY:#4.(b:5AE\n: #4.(b:@^:5)5.:5;V.1;#4f:5.g:4!6\:+6\n@B.g)56\YA@cbV:4#4AE\[:cWA".n:5DfE @dn:4BbV646.V@>a4fq:@Emj_q:4  )_r05cV0#4.gE5_n646.j`:55.g;:d90AWi;V::d99bV6  )_r05cV0@>.;@5cbm:405;0.V0@fn<@5\rB.g0.V:5f:j;.n@46.m6@>;:40A_n0@56F(.V:476\Y:5.E B\q)fq9:5`:56\Y:8cbn0)cb:48.6;:jcbg:4<5].@>cbV0!62:+62@.:7HB.g@6\Y:5.g:5 7EV7\Y@)5;m.@5Afn:5bn<@.V046cW._:4j;.g:#4f:5.g:4!6\:+6\n@B.g_:4j;.g:.V;)6\q:<5;:4 #d9 (.m:<5fr9)]:1An:40Am.#4f:5.g:4!6\:+6\n@j.Wjcbn0:4cbg6@6\A1Ag:4@]::56\n9/`:5 05;n:8.g9_n@@>;:40.V01a05BAn@.g605]:55.g:4jfqA@.n6@5a@>cbg:4+6\n@#.9:d9  www.lienvietbank.net II. TÖÍ CHÛÁC VAÂ NHÊN SÛÅ R+S0+6Rd'+VJ''7`%*Y0+%[0*,O0#,OL60W/ R+S0+6Rd'+VJ'RL,5U` +d:<5;g:4 _n6j_q:4&A.m:@>a 5_Y6&A.m:8EV >Am6>; 5_Y6&A.:5\n &A_Y0@\Y 5_Y6 #4A_q:B_Y: 5_Y6 5.V055.g:4 .V056:5.V:5(bm6.;1a05#4f:5.g:4i6\n:@cm)6\Y@76\n9cAj6\n: %&A.m:8EV 'Am6>; %&A.:5\n B.g@5a@>cbg:4B_Y: &A_Y0@\Y %&A.m:8EVB_Y:% 5.V055.g:4 ;.:5:456\n< % 6\r9@>.76\r9 ?;.V@:_n6/_n 5_Y6 )5fr9ja:5 %)5fr9ja:5 %)5fr9ja:546.V % 6:51;.:5 B_Y: % 5.V055.g:4 .V:5f: i&A.m:8EV'Am6>; i!$ i5]:5?.V05)]: 1An:4B.g#4A_q:B_Y: iMQMiQo#QpiQ# RL,]Rc0*7%`064T %J'":`%0 %0!\  Liïn kïët Phaát triïín BAÁO CAÁO THÛÚÂNG NIÏN 2009 .V0_:4@E0;: )>A:4@f9 6:51;.:5 5_Y6#)) .V0jb:Ba_[@>bn %%5.V<05\Y %#5f:?cnB.gi.g;@.n; )0.V056:5.V:5 %#B.g%)(%9bV6 )>A:4@f9)5.:5@;.V: ;>2/.:76:4 +d:<5;g:4 %))=A_Y0@\Y .@.02:@2> %).g605]:5 \Y@;.V: %5fq:0cV:4 .>1C.>2 % \Y5;.n05 056\Y:8cbn0 %".n:48cbV6B.g ,fE1cn:40b/.m: %".>72@@6:4B.g &A.:5\n0_:405AV:4 .n@fq:49.n:4B.g /.m;9fn@ %))@>;:4:cbV0 6\r9@;.V::_n6/_n %0,Od/51%J6 i#5f:(cnB.g !cb:4 _:4:45\n@5_:4@6: B.g#4f:5.g:4i6\n:@cm DE!DbH?D@ G_XZ!B#BL!I  www.lienvietbank.net R+S0+6Rd'+VJ'+,0+%J0+ U`*,%1(T'+ ?\DA !Rd0*+UL2OM61%J0 *Y037:K 7%`0.:J6P0 (7L0* +%J'++%[0* 6\r9@>. 6\r9?;.V@ \Y@;.V:)5fr9ja:5 ).g6?.m:j.m9/.m; %5.V@@>6\r: 76:51;.:5 \Y5;.n05@_r:4 5bn<#4A_q:B_Y: )2882>&A.m:8EV@]: 1An:4 5.V055.g:4 ;.:5:456\n< .g:505]:5 #5f:?cn &AEW_[@>bn@]: 1An:4 5.V055.g:4 .V:5f: )5fr9ja:5 ).g6@>bn @5cb:49.n6 DE!DbH?? G_F XZ!B#BL!I [...]... nhấnh Lấng Hẩ; 2003 - 06 /2009: phố tưíng giấm àưëc Ngên hâng chđnh sấch xậ hưåi Viïåt Nam Hiïån lâ Tưíng Giấm àưëc Ngên hâng Liïn Viïåt 28 www.lienvietbank.net BẤO CẤO THÛÚÂNG NIÏN 2009 ưng Àoân Vùn Thùỉng pHỐ TưíNG GiẤm Àưëc TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Tđn dng - Trûúâng cao cêëp nghiïåp v Ngên hâng (nay lâ Hổc viïån Ngên hâng) – Tưët nghiïåp nùm 1986; Thẩc s chun ngânh Tâi chđnh lûu thưng... vúái chûác danh àẫm nhiïåm lâ ph trấch kïë toấn Hiïån lâ Thânh viïn ban Kiïím soất Ngên hâng Liïn Viïåt 22 www.lienvietbank.net BẤO CẤO THÛÚÂNG NIÏN 2009 ưng Nguỵn Vùn Hng cûúâng THÂNH ViÏN BAN KiÏím SOẤT TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Kïë toấn cấc ngânh - Àẩi hổc Tâi chđnh Kïë toấn thânh phưë Hưì chđ minh (nay lâ Àẩi hổc Kinh tïë thânh phưë Hưì chđ minh) - Tưët nghiïåp nùm 1990 QuẤ TRỊNH cƯNG... NIÏN 2009 ưng Nguỵn Àûác Hûúãng pHỐ cH TõcH Hưåi ÀưìNG QUẪN TRõ TRỊNH ÀƯå Hc VÊËN cûã nhên trûúâng cao cêëp nghiïåp v Ngên hâng – cú súã ii (nay lâ Àẩi hổc Ngên hâng thânh phưë Hưì chđ minh) – Tưët nghiïåp nùm 1993; Thẩc s Quẫn trõ kinh doanh (mBA), Àẩi hổc Touro, New York - Hoa K – Tưët nghiïåp nùm 2004; Tiïën s chun ngânh Tâi chđnh Lûu thưng tiïìn tïå – Hổc viïån Ngên hâng – Tưët nghiïåp nùm 2009. .. cao cêëp nghiïåp v Ngên hâng (nay lâ Hổc viïån Ngên hâng) - Tưët nghiïåp nùm 1985; Thẩc s chun ngânh Tâi chđnh lûu thưng tiïìn tïå - Àẩi hổc Kinh tïë qëc dên - Tưët nghiïåp nùm 1999; cûã nhên Låt - Àẩi hổc Låt Hâ Nưåi - Tưët nghiïåp nùm 1999; Tiến sỹ chun ngành Tài chính lưu thơng tiền tệ - Học viện Ngân hàng - Tốt nghiệp năm 2007 QuẤ TRỊNH cƯNG TẤc 1986 - 11/1991: cấn bưå phông Tđn dng khu vûåc i,... NIÏN 2009 ưng Nguỵn Àûác Hûúãng pHỐ cH TõcH Hưåi ÀưìNG QUẪN TRõ TRỊNH ÀƯå Hc VÊËN - cûã nhên Trûúâng cao cêëp nghiïåp v Ngên hâng – cú súã ii (nay lâ Àẩi hổc Ngên hâng thânh phưë Hưì chđ minh) – Tưët nghiïåp nùm 1993; - Thẩc s Quẫn trõ kinh doanh (mBA), Àẩi hổc Touro, New York – Hoa K – Tưët nghiïåp nùm 2004; - Tiïën s chun ngânh Tâi chđnh lûu thưng tiïìn tïå – Hổc viïån Ngên hâng – Tưët nghiïåp nùm 2009. .. minh Hiïån lâ Kïë toấn trûúãng Tưíng cưng ty Thûúng mẩi Sâi Gôn SATRA, Thânh viïn Ban Kiïím soất Ngên hâng Liïn Viïåt 24 www.lienvietbank.net BẤO CẤO THÛÚÂNG NIÏN 2009 Bâ Nguỵn Thõ Liïn THÂNH ViÏN BAN KiÏím SOẤT TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Ngên hâng - Trûúâng cao cêëp nghiïåp v ngên hâng - cú súã ii (nay lâ Àẩi hổc Ngên hâng thânh phưë Hưì chđ minh - Tưët nghiïåp nùm 1985) QuẤ TRỊNH cƯNG TẤc... TNHH Hiïåp Thõnh Hiïån lâ phố giấm àưëc cưng ty TNHH H-T-H, thânh viïn Hưåi àưìng Quẫn trõ Ngên hâng Liïn Viïåt 16 www.lienvietbank.net BẤO CẤO THÛÚÂNG NIÏN 2009 ưng Nguỵn Àònh Thùỉng THÂNH ViÏN Hưåi ÀưìNG QUẪN TRõ TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Xûã l thưng tin kinh tïë bùçng mấy tđnh àiïån tûã - Khoa Toấn kinh tïë - Trûúâng Àẩi hổc Kinh tïë kïë hoẩch (nay lâ Àẩi hổc Kinh tïë qëc dên) – Tưët nghiïåp... sẫn phêím dõch v Hiïån lâ phố Tưíng Giấm àưëc Ngên hâng Liïn Viïåt Liïn kïët Phất triïín 29 Bâ Nguỵn Thu Hoa pHỐ TưíNG GiẤm Àưëc TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Tâi chđnh Ngên hâng - Àẩi hổc Kinh tïë qëc dên - Tưët nghiïåp nùm 1998; Thẩc s ngânh Tâi chđnh ûáng dng - Àẩi hổc miïìn Têy Sydney Australia - Tưët nghiïåp nùm 2002 QuẤ TRỊNH cƯNG TẤc 2002 - 2006: Trûúãng phông Thêím àõnh - Ngên hâng Nưng... - Ngên hâng Tmcp An Bònh - chi nhấnh Hâ Nưåi Hiïån lâ phố Tưíng Giấm àưëc Ngên hâng Liïn Viïåt 30 www.lienvietbank.net BẤO CẤO THÛÚÂNG NIÏN 2009 ưng Tư Vùn chấnh pHỐ TưíNG GiẤm Àưëc KiÏm GiẤm Àưëc cHi NHẤNH THÂNH pHưë Hưì cHđ miNH TRỊNH ÀƯå Hc VÊËN cûã nhên chun ngânh Ngên hâng - Àẩi hổc Kinh tïë thânh phưë Hưì chđ minh - Tưët nghiïåp nùm 1985 QuẤ TRỊNH cƯNG TẤc 1977 - 1988: cưng tấc tẩi Ngên hâng Nhâ... Giấm àưëc chi nhấnh thânh phưë Hưì chđ minh - Ngên hâng Liïn Viïåt Liïn kïët Phất triïín 31 ưng Nguỵn minh Trđ pHỐ TưíNG GiẤm Àưëc TRỊNH ÀƯå Hc VÊËN K sû chun ngânh Khai thấc mấy tâu biïín – Àẩi hổc Hâng Hẫi - Tưët nghiïåp nùm 1992; cûã nhên chun ngânh Tâi chđnh tiïìn tïå Ngên hâng - Àẩi hổc Kinh tïë thânh phưë Hưì chđ minh - Tưët nghiïåp nùm 2000 QuẤ TRỊNH cƯNG TẤc 1992 - 1995: S quan mấy tâu biïín - . BAÁO CAÁO THÛÚÂNG NIÏN 2009 #e#h#)TS#"MQp%eo#!O#+OM)  www.lienvietbank.net "@"@ !DBL"_"_!FD@Da"_!F !D!XZB#BL! . FHG??!!BbI # ??!ZC # @HG?F Liùn kùởt Phaỏt triùớn BAO CAO THNG NIẽN 2009 # d9j.W752V<8.n6j.V:51fYA5.6:d9@>cbm:4@5.g:5B.gBcb:9`:50Am.#4f: 5.g:4!6:+6 @@>cbV0:5cW:4/6Y:j_n:40Am.75Am:45;.m:476:5@Y@.g605]:5@>: <5.n9B6@;.g:0fqA!.g9_n@:4f:5.g:4:;:@>2m>.jbg6B.g@5.g:58fn<?.A7569.g@5a @>cbg:4+6 @#.9j.W0;V>fY@:56qA0.V0:4f:5.g:48bV:9.n:5j6@>cbV0#4f:5.g:4 !6:+6 @/ajdn@@>;:4@`:5@5Y0.n:5@>.:54.E4dJ@B.g:56qA@5cm@5.V058bV:)>;:4 /_Y60.m:5j;V/dX:4?cV09.n:5@fn<@5 BbV6ja:55cbV:4B.g056Y:8cbn0>;W:2V@46.m6 <5.V<jAV:4jdJ:0Am._n6j_q:4&A.m:@>a.:. VIÏåT !O0]Yc:]7` !O0*1L,6W>6 !O0*,%1(T'+6,OM0*0+ !O08,OM66W>66,OM0*0+ T%'+Q +7`6T'+! !Rd0**,%J/]RM' ,OL06+1%L, %9 $)&5,6) ,YM:2+)J2+1%L6]RL0* %K5RM6+7OM R0*6:-,Od/61%J0 Liùn kùởt Phaỏt triùớn BAO CAO THNG NIẽN 2009 I. LếCH S HOAT ệNG CUA NGấN HANG VL-,OL06+%[0+.YL2 #4f:5.g:4)5cb:49.n60_r<5fq:!6:+6 @jcbn0@5.g:58fn<@52;6fYE<52V<5;.n@j_n:4?_Y %###1;)5_Y:4j_Y0#4f:5.g:4#5.g:cbV0+6 @#.90fY<:4.gEB.gjcbn00fY< 6fYE05cV:4:5fn:jd:47EV76:51;.:5?_Y1;(bm