I. Tong quan ve Ngan hang Dau tu va Phat trien Viet Nam:
237 ty a, chiim 30%
3.3 Ddnh gid hoat dong kinh doanh khoi chi nhdnh:
Trong n t o qua, khdi chi nhanh ludn the hien dugc vai trd va vj tri dac biet quan trpng ddi vdi boat ddng cua toan he thdng; da cd nhirng ddng gdp tich cue mang tinh quylt djnb ddi vdi cac ket qua boat ddng, cac muc tieu tang trudng, muc tieu co cau lai boat dpng, la noi trien khai, kiem nghiem cac san phim, djch vu BIDV cung cap ra thi trudng.
Biiu 2,7. Kit qud hoat dpng kinh doanh khoi cdc Chi nhdnh BIDV
'§ 1,000
Ket qua hoat dong kinh doanh khdi cac Chi nhanh Ngan hang BIDV
1,427 1,437
Thuc hi?n 2005 Ki hoach 2006 Thuc hi$n 2006
% Thu tic tin dung MThu dich
vu D Z,<r/ nhuan
Iru&c thue
(Kem bdng 2-Ket qud hoat dpng kinh doanh khoi chi nhdnh- Phu luc)
Cac cbi nhanh da co ban hoan thanb nhiem vu kl hoach dugc giao va dat muc tang trudng cao nhu: huy ddng vdn cudi ky tang 36,5%, huy ddng vdn binb quan tang 30,3%. Du ng tin dung tang 14,6%), thu dich vu rdng tang 62,2%o, lgi nbuan trudc thul
tang 72%, ty le ng qua ban giam tir 3,2 xudng cdn 1,2%, trich du du phdng rui ro theo ke hoach giao.
Da chap hanh nghiem tuc cac chi dao cua he thong vl phuong hudng, nhiem vu, CO ciu lai khach hang, co ciu lai boat dpng. Tich cue, chu ddng, sang tao trong td chuc thuc hien ke hoach kinh doanh, cac nhiem vu dugc giao. Nhirng cd gang dd da gdp phan to Idn de be thdng hoan thanh muc tieu, kl hoach kinh doanh nam.
Da phdi hgp vdi tinh thin trach nhiem cao trong viec sip xIp lai boat ddng cac chi nhanh cap 2 theo quy dinh ciia quyet djnh 888, lam tdt cdng tac chinh trj, tu tudng de can bd, CNV cac chi nhanh dugc chuyin thanh phdng giao dich yen tam cdng tac, chuan bj nhan sir, co sd vat chat chu dao de cac chi nhanh dugc nang cap nhanh chdng dn djnh mpi mat, di vao boat ddng ngay tir khi khai truong.
Tich cue, chii ddng trong viec md rdng, sap xep lai mang ludi boat ddng theo djnh budng phat trien be thdng Ngan hang ban le, gdp phan quan trpng tao ra be thdng mang ludi giao djcb hgp ly, boat dpng cd bieu qua cho toan he tbdng.
Thuc hien nghiem tiic cac quy djnh ve phan loai khach bang, phan loai ng dk ap
dung chinh sach khach hang hgp ly, thuc bien kiem soat tin dung, co ciu lai va nang cao chit lugng khach hang, chat lugng du ng; Phan loai no nghiem tuc lam co sd dang tin cay de xac djnb chinh xac sd phai trich du phdng nii ro.
Tich cue chii ddng trong trich lap quy du phdng rui ro va xir ly ng xiu ndi bang, trong nam da xu ly ng xiu va dua ra bach toan ngoai bang 3.229 ty ddng. Ben canh dd cdng tac thu ng bach toan ngoai bang, thu lai treo ciing dugc tich cue trien khai bing nhilu giai phap, bien phap quylt liet va da thu hdi dugc tren 600 ty ddng ng bach toan ngoai bang, cac kit qua nay gdp phan quan trpng lam tang nang lire tai chinh, nang cao gia trj doanh nghiep va tao cho BIDV cd nbii*ng cbi sd tdt khi djnb gia cd phan hda.
Cd nhilu ddng gdp cd y nghTa trong viec xay dung va ban hanh cac quy chi boat dpng cua nganh (quy chi quan ly vdn tap trung, quy chi xIp hang tin dung ndi bd, sira ddi sd tay tin dung...) gdp phin dua cac quy djnh nay gin giii va thilt thuc hon.