I. Tong quan ve Ngan hang Dau tu va Phat trien Viet Nam:
g. sip xIp, Cling CO lai mang ludi boat ddng:
Tbuc bien boan thien mot each ddng bd, toan dien va triet de cdng tac sap xep lai mang ludi boat ddng trong pham vi toan he thdng; da thuc hien nang cap 21 Chi nhanh cip II thanh Chi nhanh cip I true thupc HSC, dong thdi chuyin 43 Chi nhanh cap II thanh PGD. Cac Chi nhanh mdi dugc nang cip da tung budc dn djnh bd may td churc va nhan sir, boat ddng budc diu cd bieu qua va khang djnh cho dung trong dia ban boat ddng.
Tilp tuc ra soat lai mang ludi cac Chi nhanh hien cd de tbuc bien viec dilu chinh nham dam bao su hgp ly (chuyen tru sd ciia 2 Cbi nhanh Hung Yen va Hau Giang), cung cd lai bd may td chuc, bd sung can bd chii chdt nham dam bao bd tri dii can bd dieu hanh, ddng thdi tiep tuc thuc hien cdng tac bd tri, luan chuyin can bd trong cac don vj de dam bao tinh tiep ndi, lien tuc ciia boat ddng ciia cac don vi.
h. Quan he ddi ngoai:
BIDV da chii trpng xay dung chinh sach hgp tac kinh doanh vdi cac djnb cbi tai chinh qudc te thdng qua viec danh gia, xet cap ban muc cbo 91 djnb che tai chinh, vdi tdng ban muc da cap nam 2006 la 2,7 ty USD, gdp phan nang cao bieu qua va toi uu
hoa ngudn vdn kha dung, ddng thdi thuc bien xay dung va hoan thien Quy trinh thiit
lap vd qudn ly han muc cho cdc DCTC, trong dd tach bach boat ddng ciia cac phdng
ban chuc nang budng theo md hinh ciia cac ngan hang hien dai vl quan ly riii ro. Cung vdi dd la viec phdi hgp vdi cdng ty tu vin quoc tl tbuc bien viec xay dung He thong xIp hang ndi bd cac DCTC theo chuin muc va thdng le quoc tl.
Tilp tuc Cling cd va md rdng quan he hgp tac ddi ngoai, duy tri quan be ngan hang dai ly vdi cac ngan hang, djnh chi tai chinh tren toan tbl gidi, ddng thdi khdng
ngimg tim kilm, md rdng quan he hgp tac, trao ddi va tilp xiic vdi cac ngan hang, tap doan tai chinh Idn tren tbl gidi: Morgan Stanley, JP Morgan, HSBC, Lehman Brothers, BHF...
Cung vdi viec diy manh giai ngan ngudn vdn tin dung, BIDV cung tang cudng boat ddng kiem tra giam sat tinh hinh quan ly va su dung vdn vay d cac dja phuong, dam bao ngudn vdn Du an dugc stir dung bieu qua theo diing cac muc tieu phat trien da dat ra cbo Du an. Ket qua la Du an TCNT II cd ty le thu hdi vdn dat muc rat cao. Khdng cd ng qua ban tir cac td chiic tin dung cho BIDV. Ng qua ban ciia ngudi vay vdn d cac td chuc tin dung d muc dudi 0,5% (thap hon so vdi ty le chung ciia cac ngan hang), cho thiy muc dp an toan va tinh hieu qua trong cho vay va su dung ngudn vdn Duan.
Ben canh dd, BIDV tiep tuc lam dau mdi lam viec vdi WB va cac bd nganh chuan bi xay dung Dir an tai chinh ndng thdn III. Hien nay, cac budc xiic tiln xay dung du an da va dang dugc cac ben lien quan tich cue thuc bien.
i. Ket qua kinh doanh
Co ciu thu nhap da cd budc thay ddi can ban, ty trpng thu nhap phi tin dung tSng nhanh hon thu nhap tir tin dung, dac biet la thu tu diu tu va thu tir djch vu.
Ta cd tbl so sanh theo cac bieu dd co cau ty trpng Igi nbuan ciia nam 2005 va nam 2006 nhu sau:
Biiu 2.5. Cor cdu loi nhuan ciia he thong BIDV- Nam 2005
Co* c i u lai nhu^n cua he thdng BIDV - Nam 2005