I. Tong quan ve Ngan hang Dau tu va Phat trien Viet Nam:
C<y c iu du' no* tin dung cua he thong BID
Thwc hien 2005 Ke hoach 2006 Thuc Men 2006
Thuc hien manh me viec co cau lai nen khach hang, khoan vay bang viec dam phan va ky kit hop tac tboa thuan toan dien vdi cac khach bang la cac TCT Idn, cac tap doan kinh te hang diu cd tiem lire tai chinh manh va boat ddng minh bach; Ddng thdi tiep tuc thuc bien co cau lai du ng theo budng nang cao ty trpng du ng ngoai quoc doanh (tang tu 48% nam 2005 len 58% nam 2006), tang ty trpng du ng cd TSDB (tu 66% nam 2005 len 70% nam 2006), giam ty trpng du ng trung dai han tu 42% xuong 41,1%; Day cung la nam BIDV trien khai ddng bd, toan dien viec co cau lai du ng cua
cac khach hang la cac TCTy, dac biet la cdc TCTy thi cdng xay lap, dam bao rang budc
nghTa vu, trach nhiem cam kit cua TCTy vdi cac don vj thanb vien TCTy dk thuc hien
nghTa vu thanh toan cdng ng cho ngan hang, ddng tbdi cd cac giai phap mang tinh xay dung de tao dieu kien cho cac dan vj khdi phuc san xuat, tao ngudn thu hdi ng.
Thuc bien viec ra soat lai toan bd be thdng van ban che dp cua BIDV cd lien quan den cdng tac tin dung, ddng thdi xay dung Id trinh va ke hoach thuc hien chinh sua cac ndi dung van ban nay, dam bao tinh nhat quan va phu hgp vdi cac quy djnh cua phap luat. Thuc hien chinh sua Sd tay tin dung nham dap ung tot nhat nhu cAu hoat ddng trong tinh hinh mdi; xay dung chinh sach khach bang, xac dinh khach hang muc tieu, khach hang cbien luge...
Day manh viec trien khai cac san phAm tin dung tieu dung nhu san pham cho vay mua dtd, cho vay mua bote sua cb&a nha; ddng thdi tbiic ddy boat dpng tin dung
tai trg xuat nhap khau ddi vdi mot sd mat hang xuat khau mui nhpn la gao, thuy san, do
gd, triln khai djch vu mua ban san pham xuit khiu trong tuong lai.
Tang cudng tinh tuan thii, ky cuong, ky luat trong dilu hanh boat ddng tin dung, dam bao viec dieu hanh tin dung theo pham vi va gidi ban da dugc giao, kjp thdi chan chinh va cd bien phap xii ly nghiem tiic ddi vdi cac don vj vi pham gidi ban tin dung hoac cd bieu hien vugt rao, khdng tuan thii cac quy djnb trong hoat ddng.
Triln khai cdng tac xu ly ng xiu gin liln vdi cdng tac thu hdi ng xiu ca ndi bang va ngoai bang bing cac bien phap va giai phap quylt liet, triet dL Nam 2006 la
nam cd tinh chit dot pha trong cdng tac xu ly ng vdi viec xur ly chuyin toan ngoai bang 3.283 ty ddng, co ciu lai ng 2.565 ty ddng. Gdp phan giam ty le ng xiu ciia toan he thdng xudng cdn 1/3 so vdi cudi nam 2005 (tir muc 12.5% xudng cdn < 4%, tinh theo Dilu 6 - Q D 493).
Bieu 2.4. Cdc chi tieu phan anh an toan von cua BIDV
Cac chi tieu phan anh an toan von cua BIDV
Thuc Men 2005 Ke hoach 2006 Thuc hien 2006 Lp-i nhugn sau thue binh quan dau ngu-b-i Ty 1^ an toan v6n (CAR) D R O E Ty 10 no* qu^ hgn
(So lieu kem theo Bdng I- Phu luc)
Di ddi vdi viec xu ly ng xau ndi bang, cdng tac thu ng bach toan ngoai bang dS dugc cbi dao trien khai quyet liet, toan he thong trong nam da thu hdi dugc g^n 625 ty ng bach toan ngoai bang.
Phdi hgp chat che vdi don vj tu van trien khai xay dung va ap dung thuc hien Dilu 7 - QD 493; Hoan thien toan bd bd hd so trinh va dugc su chip thuan ciia NHNN va Bd tai chinh vl viec cho phep BIDV ap dung chinh thuc Dilu 7 - QD 493 trong boat ddng. Tao kenh quan ly va giam sat tin dung mdi, bieu qua va sat vdi cbu^n muc
quoc te. Ty !e ng xau cua BIDV tai thdi dilm 31/12/2006 theo Dieu 7 - QD 493 d muc 9,1%.