/ He thong Y j tinh diem j
o Phat hien sam cac rui r tin dung
DSTTXK DSTTNK
nude, giam 14,3% ve doanh sd.
Bang 2-5
Doanh sd va thi phan thanh toan XNK cua Vietcombank 2004 - 2006
DSTTXK DSTTNK DSTTNK
To do tang so vol nam tru'o'c
2004 Gia tri Gia tri (ty USD) 6.97 9.41 Thi phan trong nuac 26,3% 29,5% 31,6% 2005 Gia tri (ty USD) 9.38 11.58 Thi phan trong nuo'c 28,9% 31,3% 27,9% 2006 Gia tri (ty USD) 12,70 10,10 Thj phan trong nuac 32,0% 22,8% 8,8%
(Ngudn: Bdo cdo thuang nien nam 2004, 2005 vd Bdo cdo kinh doanh nam 2006)
• Thanh todn tiin ngdn hdng
Hoat ddng thanh toan lien ngan hang da cd sir thay ddi quan trgng vdi viec Vietcombank thuc sir trd thanh trung tam xii ly giao dich VCB-Money ciia toan he thdng ngan hang, cung cip dich vu thanh toan dien tir cho cac ddi tugng khach hang la cac dinh che tai
chinh va cac doanh nghiep (kenh VCB-Money chilm 97% giao dich). Vdi viec thudng xuyen nang cao chit lugng dich vu, gia tang cac tien ich cho khach hang su dung nhu dich vu bao cd true tuyin, tra luang vdi sd lugng giao dich khdng ban chi, he thdng bao mat xac thuc OTP, cho din nay da cd 120 dinh chi tai chinh va 175 td chirc kinh tl sir dung djch vu thanh toan qua kenh nay. Trong nam 2006 da thuc hien 928.000 giao djch vdi tri gia len tdi 332.750 ty VND va 21 ty USD.
• Hoat ddng kinh doanh the
• Phat hanh the: Nam 2006, Vietcombank da phat hanh 20.907 the qudc tl, dua tong sd
the qudc tl dang lim hanh dat 72.500 the vdi tdng doanh sd sir dung the dat 1.012,6 ty VND, tang 36,5%) so vdi nam 2005. Trong dd, the ghi ng qudc tl - Vietcombank MTV sau 9 thang phat hanh (tir thang 03/2006) da dat 11.576 the. Cung trong nam 2006, Vietcombank da phat hanh 580.000 the Connect 24, tang 63% so vdi nam 2005 va dua tong sd the Connect 24 da phat hanh len tdi 1,5 trieu the.
- Thanh toan the: Doanh sd thanh toan the qudc tl nam 2006 dat 6.200 ty quy VND (-386,3 trieu USD), tang 22,8%) so vdi nam 2005. Doanh sd sir dung the Connect 24 dat muc rit cao: nit tiln mat gin 2.000 ty VND/thang (tang 64%o), chuyin khoan hon 335 ty
VND/thang (tang 67,5%) va thuc hien chi tieu hang hoa dich vu tai cac dan vi chap nhan
the han 1,5 ty VND/thang (tang 50%)). Sir tang trudng vugt bac ve doanh sd sir dung dich vu tai ATM nam 2006 (tang 73,3%)) la ket qua true tiep tir viec md rgng mang ludi ATM (750 may), day manh trien khai cac dich vu thanh toan billing vdi cac ddi tac cung cap dich vu la bao hilm, dien lire, buu dien, cac cdng ty vien thdng buu dien.
- Tang cudrng hgp tac va phat trien san pham dich vu: trong nam 2006 Vietcombank da phat hanh dugc mot sd loai the mdi nhu Vietcombank MTV MasterCard, Vietcombank
tien ciia Vietcombank trong ITnh vuc lien kit vdi cac doi tac trong va ngoai nude vdi mot loat cac chuang trinh hgp tac vdi Visa, MasterCard, American Express va Vietnam Airline, China Union Pay (CUP).
• Hoat ddng kinh doanh vdn
- Kinh doanh ngoai te trong nude: Tdng doanh sd mua ban ngoai te eua Vietcombank
trong nam 2006 dat 19,0 ty USD, tang 15% so vdi nam 2005.
- Kinh doanh ngoai te vdi nude ngoai: Trong nam 2006, tdng doanh sd mua ban ngoai te vdi nude ngoai dat 11,175 trieu USD. Trong dd, doanh sd mua dat 5.645 trieu USD, tang 52%, doanh sd ban la 5.530 trieu USD, tang 49% so vdi nam 2005.
- Kinh doanh trai phieu: Khdi lugng trai phieu cua Vietcombank tham gia bao lanh phat hanh va dau thau tang trudng vugt bac d mirc 5.200 ty VND, tang 320% so vdi nam 2005. Dac biet, de ddn dau xu hudng phat trien cua thi trudng, nam 2006 Vietcombank da md rgng kinh doanh them nhieu loai trai phieu nhu trai phieu Chinh phii, trai phieu dd thi chua niem yet va trai phieu doanh nghiep (EVN va Vinashin).
De dap ung nhu cau khach hang, ben canh cac nghiep vu kinh doanh ngoai te truyen thdng, Vietcombank da phat trien mot sd san pham phai sinh nhu quyen chgn, tuang lai, kinh doanh chimg chi quy dau tu, hgp ddng lai suat ky han.