2007 - HD Bank Lyù Kim Vaân Tröôûng Ban Kieåm Soaùt Traàn ... 30/06/2007: Khai tröông PGD...

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Baùo caùo thöôøng nieân 2007

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Thoâng ñieäp cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò

Hình aûnh Hoäi ñoàng Quaûn trò vaø Ban Toång Giaùm Ñoác

Nhöõng söï kieän chính 2007

Moät soá söï kieän noåi baät cuûa HDBank naêm 2007

Muïc tieâu phaùt trieån

Keát quaû taøi chính

Keát quaû hoaït ñoäng kinh doanh

HDBank ñoåi môùi coâng ngheä

Coâng taùc quaûn trò nguoàn nhaân löïc

YÙ nghóa bieåu töôïng logo HDBank

Phong traøo ñoaøn theå

Baùo caùo taøi chính 2007

Maïng löôùi hoaït ñoäng cuûa HDBank

Noäi Dung


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Thoâng Ñieäp cuûa Chuû tòch Hoäi Ñoàng Quaûn Trò

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Kính thöa Quý vò coå ñoâng, Quý khaùch haøng cuøng toaøn theå Caùn boä nhaân vieân HDBank!

Sau moät naêm hoäi nhaäp neàn kinh teá theá giôùi vôùi vieäc gia nhaäp WTO, naêm 2007 Vieät Nam ñaõ giöõ vöõng ñöôïc möùc taêng tröôûng ngoaïn muïc trong nhieàu naêm lieàn, chæ soá GDP ñaït 8,5%, taêng tröôûng toaøn dieän trong haàu heát caùc lónh vöïc, cao nhaát trong 10 naêm trôû laïi ñaây, ñöôïc caùc chuyeân gia kinh teá theá giôùi ñaùnh giaù laø nöôùc coù moâi tröôøng ñaàu tö an toaøn nhaát Chaâu AÙ vaø thöù hai treân theá giôùi. Tuy nhieân, nhöõng khoù khaên cuõng song haønh toàn taïi: giaù xaêng daàu taêng chöa töøng thaáy, giaù vaøng cao nhaát trong voøng 30 naêm qua, chæ soá laïm phaùt taêng cao, thò tröôøng baát ñoäng saûn phaùt trieån noùng trong khi thò tröôøng chöùng khoaùn suy yeáu vaø chöa coù daáu hieäu hoài phuïc; doøng voán ñaàu tö nöôùc ngoaøi ñaït möùc kyû luïc gaây söùc eùp lôùn ñeán vieäc ñieàu haønh tyû giaù vaø vieäc kieåm soaùt toång phöông tieän thanh toaùn. Ngoaøi ra, Vieät Nam laø moät trong nhöõng nöôùc höùng chòu lôùn nhaát caùc taùc ñoäng töø söï bieán ñoåi moâi tröôøng, laøm aûnh höôûng lôùn tôùi söï phaùt trieån kinh teá - xaõ hoäi.Tuy nhieân, vôùi söùc treû cuûa löïc löôïng CB-NV tri thöùc vaø taâm huyeát, cuøng vôùi söï taän taâm taän löïc cuûa Ban Ñieàu haønh, söï quan taâm ñònh höôùng saâu saùt cuûa HÑQT, vôùi cô caáu môùi, ñònh höôùng môùi HDBank vaãn ñaït ñöôïc caùc chæ tieâu khaù thuyeát phuïc nhö sau:

So vôùi naêm 2006, naêm 2007 HDBank ñaõ ñaït ñöôïc haàu heát caùc chæ tieâu hoaït ñoäng maø Ñaïi hoäi coå ñoâng thöôøng nieân 2006 ñaõ ñeà ra. Cuï theå: voán ñieàu leä 500 tyû ñoàng toång taøi saûn cuûa HDBank ñaït gaàn 14.000 tyû ñoàng, taêng 244%; voán huy ñoäng ñaït 12.456 tyû ñoàng, taêng 284%; toång dö nôï ñaït 8.912 tyû ñoàng, taêng 233%; tyû leä nôï xaáu ñöôïc kieåm soaùt toát ôû möùc döôùi 0,3%/toång dö nôï; lôïi nhuaän tröôùc thueá ñaït 168 tyû ñoàng, taêng 78%; chi coå töùc naêm 2006 ñaït möùc 16%. Maïng löôùi hoaït ñoäng cuûa HDBank lieân tuïc ñöôïc môû roäng vôùi hôn 20 ñieåm treân caû nöôùc; nhaân söï ñaït 675 CB-NV. Döï aùn hieän ñaïi hoùa coâng ngheä Ngaân haøng - Core Banking ñaõ hoaøn taát vaø chôø thôøi ñieåm thích hôïp ñöa vaøo vaän haønh treân toaøn HDBank.


Thoâng Ñieäp Cuûa

Chuû Tòch Hoäi Ñoàng Quaûn Trò

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Nguyeãn Höõu Thaønh

Chuû tòch Hoäi Ñoàng Quaûn Trò

Hieän taïi ñang laø thôøi ñieåm maø nhöõng ngaøy cuoái cuøng cuûa naêm 2007 troâi qua vaø ñoùn chaøo naêm môùi 2008. Thò tröôøng taøi chính - tieàn teä vaãn ñang coù nhöõng dieãn bieán heát söùc baát ñònh, ñoâi khi vöôït quaù taàm kieåm soaùt cuûa caùc ngaân haøng thöông maïi: nguoàn voán vaø laõi suaát khoâng oån ñònh; laïm phaùt taêng daãn ñeán döï tröõ baét buoäc cuûa caùc TCTD taêng cao, aùp löïc caïnh tranh giöõa caùc ngaân haøng ngaøy caøng gay gaét, khuûng hoaûng thieáu veà nguoàn nhaân löïc quaûn lyù gioûi vaø coù trình ñoä chuyeân moân cao, caùc chính saùch haïn cheá cuûa nhaø nöôùc veà dö nôï cho vay chöùng khoaùn, caûnh baùo nhöõng ruûi ro tieåm aån töø thò tröôøng Ñòa oác ...

Böôùc vaøo naêm 2008, vôùi chieán löôïc “Xaây döïng HDBank trôû thaønh ngaân haøng ña naêng vaø hoaït ñoäng hieäu quaû”, HDBank ñaõ saün saøng tinh thaàn ñöông ñaàu vôùi thöû thaùch, phaûi noã löïc hôn nöõa ñeå tieáp tuïc naâng cao naêng löïc taøi chính vôùi muïc tieâu taêng voán ñieàu leä toái thieåu 2.000 tyû ñoàng, quaûng baù thöông hieäu, ña daïng hoùa caùc saûn phaåm dòch vuï treân neàn coâng ngheä hieän ñaïi, quaûn lyù theo chuaån möïc quoác teá…; taêng taøi saûn sôû höõu, naâng cao giaù trò vaø tính thanh khoaûn coå phieáu…; choïn löïa ñoái taùc chieán löôïc nhaèm taêng naêng löïc caïnh tranh, môû roäng hoaït ñoäng theo höôùng oån ñònh vaø beàn vöõng; phaùt trieån nguoàn nhaân löïc, thu huùt vaø ñaõi ngoä nhaân taøi, chuù troïng coâng taùc ñaøo taïo noäi boä nhaèm phaùt hieän nhaân toá môùi. Naêm 2008, HDBank tieáp tuïc cam keát ñaûm baûo quyeàn lôïi coå ñoâng vôùi möùc coå töùc toái thieåu 12%/naêm.

Nhieäm vuï ñaët ra cho HDBank trong naêm 2008 laø raát naëng neà. Tuy vaäy, Hoäi Ñoàng Quaûn Trò, cuøng taäp theå Caùn boä - nhaân vieân HDBank luoân tin töôûng raèng vôùi söï ñoàng thuaän cuûa Quyù vò coå ñoâng, söï quan taâm chæ ñaïo saâu saùt vaø kòp thôøi cuûa NHNN, vaø ñaëc bieät laø söï tín nhieäm, uûng hoä cuûa Quyù khaùch haøng, HDBank seõ vöôït qua moïi thaùch thöùc, tieáp tuïc vöõng böôùc treân con ñöôøng phaùt trieån, khaúng ñònh vaø naâng cao uy tín thöông hieäu HDBank treân thöông tröôøng.

Thay maët Hoäi Ñoàng Quaûn Trò, Ban Ñieàu Haønh HDBank, toâi xin göûi thoâng ñieäp naøy ñeán Quyù vò coå ñoâng, caùc ñoái taùc trong vaø ngoaøi nöôùc, Quyù khaùch haøng cuøng toaøn theå caùn boä coâng nhaân vieân nhö moät lôøi cam keát vôùi noã löïc cao nhaát ñeå cuøng xaây döïng vaø phaùt trieån HDBank leân taàm cao môùi. Traân troïng!

6 Baùo caùo thöôøng nieân 2007

Hoäi Ñoàng Quaûn Trò

Nguyeãn Höõu Thaønh

Chuû tòch Hoäi Ñoàng Quaûn Trò

Nguyeãn Thò Phöông Thaûo

Phoù Chuû tòch Hoäi Ñoàng Quaûn Trò

Traàn Höõu Thaùi


Ñoã Thò Hoàng Dung

UÛy vieân Hoäi Ñoàng Quaûn Trò

Cao Duy Ñoâng


Ñoaøn Traàn Phöông Lan


Traàn Vaên Vónh


Leâ Chí Hieáu


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Ban Ñieàu Haønh

Phan Quoác Tieán

Phoù Toång Giaùm Ñoác

Nguyeãn Ñoaøn Duy AÙi


Phaïm Thò Myõ Chi


Traàn Anh Tuaán

Toång Giaùm Ñoác

Nguyeãn Höõu Ñaëng


Nguyeãn Thò Tích


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Ban Kieåm Soaùt

Lyù Kim Vaân

Tröôûng Ban Kieåm Soaùt

Traàn Thò Ngoïc Haïnh

TV Ban Kieåm Soaùt

Leâ Thò Tuyeát Anh

TV Ban Kieåm Soaùt

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Nhöõng Söï Kieän Chính Naêm 2007

04/01/2007: Kyû nieäm 17 naêm thaønh laäp HDBank.

10/01/2007: Nhaän danh hieäu “Cuùp vaøng topten thöông hieäu Vieät uy tín chaát löôïng”.

09/03/2007: Kyù keát hôïp ñoàng cung caáp Core-Banking vôùi haõng Sungard System Access.

02/04/2007: Ñaïi Hoäi Coå Ñoâng thöôøng nieân naêm 2006.

14/04/2007: Khai tröông Chi nhaùnh An Laïc.

25/06/2007: Khai tröông PGD Caàu Giaáy.

30/06/2007: Khai tröông PGD Bình Thoï, Nguyeãn Oanh.

04/07/2007: Khai tröông PGD Hoøa Bình.

10/07/2007: Khai tröông PGD Coâng Lý.

31/07/2007: Khai tröông PGD Hoaøn Kieám.

12/09/2007: Khai tröông PGD Ñoáng Ña.

20/09/2007: Ñaïi Hoäi Coå Ñoâng baát thöôøng naêm 2007.

05/10/2007: Ký keát hôïp taùc vôùi Coâng ty Coå phaàn Long Haäu vaø Coâng ty Coå phaàn 3D.

01/11/2007: Ký keát hôïp taùc toaøn dieän vôùi Coâng ty Coå phaàn Chöùng khoaùn TP. HCM (HSC).

20/11/2007: Khai tröông PGD Baïch Ñaèng.


Söï Kieän Noåi Baät Naêm 2007

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Cuûng coá noäi löïc, saün saøng hoäi nhaäp, taïo ñoät phaù trong coâng ngheä

vaø nhaân toá con ngöôøi ñeå ñöa HDBank qua giai ñoaïn môùi - giai

ñoaïn phaùt trieån oån ñònh vaø beàn vöõng.

Muïc Tieâu Phaùt Trieån

Chöông Trình Haønh Ñoäng 2008Taêng voán ñieàu leä leân 2.000 tyû ñoàng vaø naâng cao thò giaù coå phieáu HDBank.

Ñaåy maïnh huy ñoäng voán töø daân cö vaø toå chöùc kinh teá, tieáp tuïc phaùt trieån oån

ñònh caùc nghieäp vuï truyeàn thoáng vaø saûn phaåm môùi.

Phaùt trieån nguoàn nhaân löïc, taùi caáu truùc boä maùy toå chöùc.

Hieän ñaïi hoùa coâng ngheä ngaân haøng.

Ñaåy maïnh taêng nguoàn thu töø dòch vuï, giaûm tyû troïng nguoàn thu töø tín

duïng, ñaûm baûo caùc chæ soá an toaøn trong hoaït ñoäng.

Phaùt trieån maïng löôùi toái thieåu ñaït 50 ñieåm hoaït ñoäng.

Xaây döïng môùi Truï sôû chính.

Thaønh laäp caùc Coâng ty tröïc thuoäc hoaëc goùp voán thaønh laäp

caùc coâng ty coå phaàn do HDBank vaø caùc coå ñoâng chieán löôïc

cuøng HDBank naém quyeàn chi phoái nhö: Coâng ty cho thueâ

taøi chính, Coâng ty chöùng khoaùn, Coâng ty quaûn lyù quyõ.

Phaùt trieån thöông hieäu HDBank.

Ñaåy maïnh coâng taùc phaùp cheá - thu hoài nôï.

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Keát Quaû Taøi Chính Naêm 2007

13.823 tyû ñoàng

650 tyû ñoàng

12.456 tyû ñoàng

8.912 tyû ñoàng

0,3 %

777 tyû ñoàng

609 tyû ñoàng

168 tyû ñoàng

121 tyû ñoàng

19,21%

1,47%

16%

11 tyû ñoàng

Toång taøi saûn

Voán ñieàu leä vaø caùc quyõ

Toång voán huy ñoäng

Toång dö nôï cho vay

Nôï xaáu / toång dö nôï

Toång thu nhaäp

Toång chi phí

Lôïi nhuaän tröôùc thueá

Lôïi nhuaän roøng

Tyû suaát lôïi nhuaän roøng / voán töï coù bình quaân (ROE)

Tyû suaát lôïi nhuaän roøng / taøi saûn coù bình quaân (ROA)

Tyû leä chia coå töùc

Döï tröõ coå töùc

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Naêm 2007, vôùi söùc treû cuûa löïc löôïng CB- CNV tri thöùc vaø taâm huyeát cuøng vôùi söï taän tình, taän löïc cuûa Ban Ñieàu Haønh, söï quan taâm, ñònh höôùng saâu saéc cuûa HÑQT. Vôùi cô caáu môùi, ñònh höôùng môùi ñaõ taïo ra söï thay ñoåi ngoaïn muïc theå hieän ôû caùc con soá bieát noùi nhö sau:

Lôïi nhuaän tröôùc thueá ñaït 168 tyû, taêng 78% so vôùi naêm 2006. Lôïi nhuaân roøng ñaït 121 tyû. Tyû leä chia coå töùc 16%.

Toång thu: 777 tyû, trong ñoù thu laõi cho vay 433 tyû, chieám 55,8%, thu töø hoaït ñoäng phi tín duïng 339 tyû (43,6%), thu khaùc 5 tyû (0,6%).Toång chi tröôùc thueá: 609 tyû, trong ñoù, chi nghieäp vuï 490 tyû, chieám 80,8%, chi quaûn lyù 81 tyû (13,4%), chi döï phoøng ruûi ro 27 tyû (4,4%), chi khaùc 10 tyû (1,7%).

Cô caáu chi phí(Ñ/v: tyû ñoàng)

Chi khaùc 10 tyû (1,7%)

Chi nghieäp vuï490 tyû (80,5%)

Chi döï phoøng27 tyû (4,4%)

Chi quaûn lyù 81 tyû (13,4%)

Cô caáu thu nhaäp(Ñ/v: tyû ñoàng)

Thu laõi cho vay433 tyû (55,8%)

Thu dòch vuï194 tyû (25%)

Thu khaùc5 tyû (0,6%)

Thu laõi tieàn göûi 145 tyû (18,7%)

Keát Quaû Hoaït Ñoäng Kinh Doanh

2005

Keát quaû kinh doanh(Ñ/v: tyû ñoàng)

100

200

300

400

500

600

700

800

170

298

777

121

204

609

4994

168

Thu Chi Lôïi nhuaän tröôùc thueá

2006 2007


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Huy ñoäng voán ñoùng vai troø then choát ñaùp öùng nhu caàu voán hoaït ñoäng cuûa HDBank. Naêm 2007 toång voán huy ñoäng trong toaøn heä thoáng ñaït 12.456 tyû ñoàng, taêng 284% so vôùi naêm 2006. Ñaït ñöôïc möùc ñoä taêng tröôûng Voán huy ñoäng aán töôïng naøy laø do HDBank aùp duïng chính saùch laõi suaát linh hoaït gaén vôùi thò tröôøng, khoâng ngöøng caûi tieán, naâng cao chaát löôïng dòch vuï, môû roäng maïng löôùi giao dòch thoâng qua vieäc thaønh laäp caùc ñieåm giao dòch treân caû nöôùc, taïo thuaän lôïi cho khaùch haøng trong vieäc söû duïng caùc hoaït ñoäng dòch vuï cuûa HDBank.

Taêng tröôûng voán huy ñoäng(Ñ/v: tyû ñoàng)

2005 2006 2007

1.8712.000

Voán huy ñoäng Khoâng kyø haïn Trung-daøi haïn

4.000

6.000

8.000

10.000

12.000

14.000

Ngaén haïn

3.244

12.456

410 465 1.263 1.0232.128

9.421

438 650 1.772

Cô caáu huy ñoäng theo loaïi tieàn(Ñ/v: tyû ñoàng)

VNÑ 11.131 tyû (89%)

Ngoaïi teä363 tyû (3%)Vaøng

962 tyû (8%)

Cô caáu huy ñoäng theo kyø haïn(Ñ/v: tyû ñoàng)

Ngaén haïn 9.421 tyû (76%)

Khoâng kyø haïn1.263 tyû (10%)

Trung-daøi haïn1.772 tyû (14%)

Huy Ñoäng Voán

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Cô caáu taøi saûn coù:

Thanh khoaûn 5,95%Toång dö nôï 64,48%Ñaàu tö taøi chính 11,47%Kinh doanh voán 11,54%Taøi saûn coù khaùc 6,08%

Cô caáu taøi saûn nôï:

Voán ñieàu leä vaø caùc quyõ 4,70%Voán huy ñoäng 90,11%Lôïi nhuaän chöa phaân phoái 0,66%Taøi saûn nôï khaùc 4,53%

Naêm 2007, toång taøi saûn cuûa HDBank coù söï taêng tröôûng vöôït troäi ñaït 13.823 tyû, taêng 75% keá hoaïch vaø 244% so vôùi naêm 2006.

Taøi saûn coù(Ñ/v: tyû ñoàng)

Toång dö nôï8,912 tyû (64,48%)

Ñaàu tö taøi chính1,585 tyû (11,47%)

Kinh doanh voán1,595 tyû (11,54%)

Thanh khoaûn823 tyû (5,95%)

Taøi saûn coù khaùc841 tyû (6,08%) P/tieän

hoaït ñoäng67 tyû (0,48%)


Toång Taøi Saûn

Taøi saûn nôï(Ñ/v: tyû ñoàng)

Voán huy ñoäng12,456 tyû (90,11%)

Taøi saûn nôï khaùc626 tyû (4,53%)

Voán ñieàu leä vaø caùc quyõ

650 tyû (4,70%)

Lôïi nhuaän chöa phaân phoái (*)91 tyû (0,66%)

(*) Lôïi nhuaän sau thueá ñaõ khaáu tröø 30 tyû coå töùc naêm 2007 do taïm öùng 6% coå töùc ñôït 1 naêm 2007 (toång lôïi nhuaän sau thueá 120.969 trieäu).

17

Voán ñieàu leä cuûa HDBank naêm 2007 vaãn ôû möùc 500 tyû ñoàng. Vì coù söï thay ñoåi veà caùc thuû tuïc xin taêng voán ñoái vôùi caùc NHTM, vaø moät soá caùc yeáu toá khaùch quan khaùc maø HDBank chöa ñaùp öùng ñöôïc kòp thôøi. Do ñoù loä trình taêng voán ñaït 1000 tyû trong naêm 2007 cuûa HDBank ñaõ ñöôïc Ñaïi hoäi Coå ñoâng chaáp thuaän dôøi laïi ñeán thaùng 1 naêm 2008.

Taêng tröôûng toång taøi saûn vaø voán ñieàu leä (Ñ/v: tyû ñoàng)

2005 2006 2007

300

Toång taøi saûn Voán ñieàu leä

2.000

4.000

6.000

8.000

10.000

12.000

14.000

0

500 500

2.307

4.015

13.823

Voán Ñieàu Leä

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Hoaït Ñoäng Tín Duïng

Cô caáu theo kyø haïn Cô caáu theo loaïi tieàn

Taêng tröôûng dö nôï cho vay(Ñ/v: tyû ñoàng)

Dö nôï cho vay Nôï xaáu

2003 2005 2007

1.000

2.000

3.000

4.000

5.000

6.000

7.000

8.0009.000

8.9122.6781.3751.065627

2004 2006

28

8

125

Toång dö nôï ñeán 31/12/2007: 8.912 tyû ñoàng, chieám 71,6% voán huy ñoäng, taêng 233% so vôùi naêm 2006, vöôït keá hoaïch 95%.Trong ñoù, nôï xaáu chæ chieám 0,3%/ toång dö nôï (27,9 tyû ñoàng), soá nôï xaáu coù khaû naêng maát voán chieám 9,65 tyû (0,1%/ toång dö nôï).

Vaøng(8%)

Ngoaïi teä(3%)

VNÑ(89%)

Trung-daøi haïn(35%)

Ngaén haïn(65%)


19

Treân thöïc teá, cho ñeán nay, nguoàn lôïi nhuaän cuûa HDBank töø caùc nghieäp vuï tín duïng vaãn chieám tyû troïng cao vaø HDBank vaãn chuû tröông ñaåy maïnh dö nôï cho vay. Tuy nhieân, HDBank quaùn trieät vieäc taêng tröôûng tín duïng phaûi ñi ñoâi vôùi vieäc kieåm soaùt ñöôïc ruûi ro, ngaøy caøng naâng cao chaát löôïng tín duïng. HDBank chuû ñoäng taêng cöôøng coâng taùc kieåm tra kieåm soaùt noäi boä, thöïc hieän ñuùng quy trình quy cheá ñaõ ban haønh, ñònh kyø ñaùnh giaù vaø phaân loaïi khaùch haøng. - Thöïc hieän toát vieäc phaân loaïi nôï vaø trích laäp döï phoøng ruûi ro theo quy ñònh 493 cuûa NHNN.- Sôùm ñaûm baûo yeâu caàu cuûa NHNN veà vieäc cho vay kinh doanh chöùng khoaùn. Ñeán cuoái 2007, tyû leä cho vay kinh doanh chöùng khoaùn chæ chieám 0,95% treân toång dö nôï cho vay cuûa HDBank.- Toång dö nôï naêm 2007 taêng ñeán 233% so vôùi naêm 2006, nhöng tyû leä nôï xaáu chæ chieám 0,3% treân toång dö nôï.

• Taêng tröôûng tín duïng nhöng vaãn ñaûm baûo an toaøn

Nhaèm höôùng tôùi muïc tieâu phuïc vuï toái ña nhu caàu khaùch haøng, naêm 2007 HDBank ñaõ cho ra ñôøi caùc saûn phaåm tín duïng môùi nhö: - Cho vay mua xe oâtoâ “Coâng thöùc 1%” (F1%) cho pheùp khaùch haøng vay ñeán 100% giaù trò xe vôùi laõi suaát trong haïn 1%/thaùng.- Chöông trình khuyeán maõi mang teân: “Chaøo möøng Quoác Khaùnh - Öu ñaõi cho vay” vôùi toång soá tieàn taøi trôï leân ñeán 1.500 tyû ñoàng. - Cho vay mua nhaø Phuù Myõ Höng vôùi thôøi haïn töø 25 ñeán 30 naêm.- Cho vay mua nhaø, söûa chöõa nhaø caùc ñoái töôïng coù thu nhaäp thaáp (Chöông trình ADB) do caùc Ngaân haøng Nhaät Baûn taøi trôï, cho vay taøi trôï caùc doanh nghieäp vöøa vaø nhoû (Chöông trình JBIC),…- Ngaøy 05/10/2007, HDBank ñaõ ký keát hôïp taùc vôùi khu Coâng nghieäp Long Haäu vaø Coâng ty Coå phaàn 3D ñeå taøi trôï voán cho taát caû caùc Doanh nghieäp ñaët taïi khu Coâng nghieäp Long Haäu.- HDBank cuõng ñang ñaåy maïnh vieäc hoã trôï voán cho caùc Doanh nghieäp naèm trong caùc khu Coâng nghieäp nhö: KCN Hieäp Phöôùc II (Nhaø Beø ), KCN Vieät Höông (Bình Döông), cuïm coâng nghieäp Huyeän Ñöùc Hoøa (Long An ),…- HDBank coøn môû roäng ñaàu tö vaøo caùc lónh vöïc môùi nhö: Nhaø maùy Thuûy ñieän Ñak U cuûa Coâng ty Naêng löôïng Phuù Taân, taêng cöôøng hôïp taùc vôùi caùc Ngaân haøng baïn ñeå ñoàng taøi trôï caùc döï aùn lôùn nhö: döï aùn giaøn khoan bieån 112m nöôùc (ñoàng taøi trôï vôùi Coâng ty Taøi chính daàu khí), döï aùn ñaàu tö taøu bieån chôû haøng khoâ troïng taûi 60.000 DWT (Ngaân haøng VIB - CN Saøi Goøn).

• Caùc saûn phaåm tín duïng

20

Vôùi vieäc chuù troïng taêng tyû troïng khoaûn thu phi tín duïng trong toång thu, toång thu dòch vuï phi tín duïng chieám tyû troïng khaù cao trong toång thu giuùp giaûm thieåu ruûi ro khi söû duïng ñoàng voán kinh doanh. Naêm 2007 tyû troïng naøy ñaït möùc 44% töông öùng 339 tyû ñoàng, taêng 316% so vôùi naêm 2006. Trong ñoù moät soá hoaït ñoäng mang laïi khoaûn thu vôùi möùc taêng vöôït baäc nhö: nghieäp vuï chieát khaáu, ñaàu tö traùi phieáu vaø chöùng töø coù giaù cuûa Toå chöùc tín duïng, goùp voán lieân doanh mua coå phaàn, nghieäp vuï baûo laõnh...

Dòch Vuï Ngaân Haøng

• Thanh toaùn quoác teáNaêm 2007 HDBank tieáp tuïc thöïc hieän thanh toaùn quoác teá thoâng qua maïng SWIFT vôùi caùc soá lieäu baùo caùo cuï theå nhö sau:- Toång giaù trò thanh toaùn ñaït 195 trieäu USD, taêng 129% so vôùi naêm 2006. - Toång thu caùc dòch vuï thanh toaùn quoác teá ñaït treân 4,5 tyû ñoàng, taêng 77% so vôùi naêm 2006.- Soá löôïng ngaân haøng ñaïi lý maø HDBank thieát laäp laø 118 ngaân haøng taïi haàu heát caùc nöôùc treân theá giôùi.

Thanh toaùn quoác teá(Ñ/v: trieäu ñoàng)

1.000

4.509

2004

2.000

3.000

4.000

5.000

2005 2006 2007

43

928

2.543


Thu töø hoaït ñoäng ñaàu tö taøi chính (39%)

Thu laõi tieàn göûi(43%)

Thu dòch vuï khaùc(18%)

Cô caáu thu phi tín duïng

21

Naêm 2007, HDBank tieáp tuïc phaùt trieån caùc saûn phaåm dòch vuï thanh toaùn trong nöôùc vaø ngaân quyõ nhö chuyeån tieàn thanh toaùn, thu - chi hoä, chi traû löông hoä cho caùc doanh nghieäp… ñoàng thôøi naâng cao chaát löôïng phuïc vuï khaùch haøng cuûa ñoäi nguõ nhaân vieân trong toaøn heä thoáng. Keát quaû ñaït ñöôïc giuùp HDBank khoâng chæ duy trì ñöôïc caùc khaùch haøng cuõ maø coøn thu huùt theâm löôïng lôùn khaùch haøng môùi, ñöa toång thu dòch vuï thanh toaùn trong nöôùc vaø ngaân quyõ ñaït 1,4 tyû ñoàng, gaáp 1,7 laàn so vôùi naêm 2006.

• Thanh toaùn trong nöôùc vaø ngaân quyõ

• Kinh doanh voán treân thò tröôøng lieân ngaân haøngKinh doanh voán treân thò tröôøng lieân ngaân haøng naêm 2007: - Doanh thu naêm 2007 ñaït 145 tyû ñoàng, taêng 174% so vôùi naêm 2006, ñaït 19%/toång thu.- Löôïng tieàn giao dòch laø 1.595 tyû ñoàng chieám 11,5% toång nguoàn voán, taêng 228% so vôùi naêm 2006, vöôït keá hoaïch 12%.- Kinh doanh voán ngoaøi vieäc taïo ra lôïi nhuaän coøn phaûi ñaûm baûo caân ñoái nguoàn vaø thanh khoaûn toaøn heä thoáng. Beân caïnh ñoù, kinh doanh voán coøn hoã trôï tích cöïc trong vieäc ñaåy maïnh caùc hoaït ñoäng khaùc, cuï theå laø ñaàu tö giaáy tôø coù giaù, chöùng chæ tieàn göûi/kyø phieáu ngaân haøng vaø ñaëc bieät laø chieát khaáu GTCG/soå tieát kieäm,…

• Kinh doanh ngoaïi teäDoanh thu töø hoaït ñoäng kinh doanh ngoaïi teä taêng 242% so vôùi naêm 2006, ñaït 2,5 tyû ñoàng. Hoaït ñoäng kinh doanh ngoaïi teä chuû yeáu laø phuïc vuï nhu caàu thanh toaùn quoác teá vaø ñieàu hoøa traïng thaùi ngoaïi teä.

• Kinh doanh vaøngHoaït ñoäng kinh doanh vaøng naêm 2007 khaù hieäu quaû. Vieäc nhaäp khaåu vaøng nguyeân lieäu ñöôïc thöïc hieän toát, tranh thuû toái ña nhöõng thôøi ñieåm coù bieán ñoäng giaù trong nöôùc vaø theá giôùi. Doanh soá nhaäp khaåu vaøng nguyeân lieäu ñaït 1.750 kg. Doanh thu hoaït ñoäng kinh doanh vaøng naêm 2007 ñaït 3,6 tyû ñoàng.

22

Naêm 2007, nhaèm taêng cöôøng tyû troïng voán ñaàu tö sinh lôøi cao maø ñaûm baûo caùc tieâu chí an toaøn voán, HDBank ñaõ taêng 111,6 tyû ñoàng goùp voán thaønh laäp 6 doanh nghieäp môùi nhö: Coâng ty CP baûo laõnh Tín duïng, Coâng ty Quaûn lý Quyõ ñaàu tö Chöùng khoaùn, Coâng ty Coå phaàn 3D, Coâng ty Coå phaàn Haøng khoâng VIETJET, Coâng ty Coå phaàn Dòch vuï Theû, Coâng ty Coå phaàn Ñòa oác HDReal, naâng toång soá doanh nghieäp maø HDBank ñaàu tö leân 14 ñôn vò.Ngoaøi ra, HDBank coøn ký hôïp ñoàng hôïp taùc toaøn dieän vôùi Coâng ty Coå phaàn Chöùng khoaùn TP.HCM (HSC) vaø laø ñoái taùc chieán löôïc cuûa coâng ty naøy, ký hôïp ñoàng hôïp taùc vôùi Coâng ty Coå phaàn Khu Coâng Nghieäp Long Haäu.Toång soá tieàn ñaàu tö taøi chính ñaït 1.585 tyû, chieám 11,4% toång voán, taêng 13% so keá hoaïch vaø 390% so vôùi naêm 2006. Trong ñoù:Ñaàu tö traùi phieáu vaø chöùng töø coù giaù cuûa TCTD: 1.456 tyû, taêng 21% so vôùi keá hoaïch vaø 427% so vôùi naêm 2006.Huøn voán, lieân doanh, mua coå phaàn: 129 tyû, ñaït 65% keá hoaïch vaø taêng 169% keá hoaïch so vôùi naêm 2006.Hieäu quaû hoaït ñoäng ñaàu tö taøi chính: Toång doanh thu hoaït ñoäng ñaàu tö taøi chính naêm 2007 cuûa HDBank laø 128,7 tyû ñoàng, taêng 11 laàn so vôùi naêm 2006.

Hoaït Ñoäng Lieân Keát Ñaàu Tö Taøi Chính

Naêm 2007, dòch vuï chieát khaáu taïi HDBank coù möùc taêng kyû luïc, taêng hôn 56 laàn so vôùi naêm 2006, dö nôï chieát khaáu bình quaân taêng 556 tyû ñoàng. Nghieäp vuï chieát khaáu ñaït lôïi nhuaän 44 tyû ñoàng. Caùc dòch vuï chieát khaáu maø HDBank thöïc hieän nhö: chieát khaáu soå tieát kieäm, giaáy tôø coù giaù do caùc TCTD khaùc phaùt haønh, Traùi phieáu Chính phuû, chieát khaáu boä chöùng töø haøng xuaát khaåu…

Trong naêm 2007, HDBank, ñeå naâng cao phaïm vi vaø naêng löïc hoaït ñoäng trong lónh vöïc ñòa oác, taêng cöôøng hieäu quaû toái ña, HDBank ñaõ taùi cô caáu toaøn boä Phoøng Dòch vuï Ñòa oác vaø goùp voán thaønh laäp coâng ty Coå phaàn Ñòa oác Phaùt Trieån Nhaø (HDReal) - laø coâng ty thaønh vieân cuûa HDBank.

• Chieát khaáu

• Dòch vuï ñòa oác


23

Naêm 2007 HDBank ñaõ ñaàu tö 5 trieäu USD ñeå thöïc hieän Döï aùn hieän ñaïi hoaù coâng ngheä Ngaân haøng - Core Banking. Vaøo thôøi ñieåm keát thuùc naêm 2007, döï aùn ñaõ hoaøn taát vaø chôø thôøi ñieåm thích hôïp ñöa vaøo vaän haønh treân toaøn HDBank. Döï kieán ngay sau khi ñöa vaøo thöïc hieän, HDBank seõ trieån khai haøng loaït caùc saûn phaåm dòch vuï ngaân haøng hieän ñaïi vaø tieän ích daønh cho khaùch haøng.

Coâng ngheä hieän ñaïi cuõng seõ giuùp HDBank quaûn trò caùc hoaït ñoäng theo höôùng toái öu hoaù hieäu quaû, ñaûm baûo an toaøn döõ lieäu, hoã trôï caùc coâng taùc döï baùo vaø hoaïch ñònh hieäu quaû hôn, kieåm soaùt ruûi ro toát hôn...

Döï aùn naøy ñöôïc xem laø neàn taûng cô baûn giuùp thöïc hieän chieán löôïc xaây döïng vaø phaùt trieån HDBank trôû thaønh moät ngaân haøng ña naêng, hieän ñaïi phuïc vuï khaùch haøng ngaøy moät toát hôn, mang laïi cho khaùch haøng caùc giaù trò gia taêng ngaøy caøng lôùn hôn.

HDBank Ñoåi Môùi Coâng Ngheä

24

Trong thôøi gian qua, ñaëc bieät laø naêm 2007, cuøng vôùi söï phaùt trieån “buøng noå” vaø taêng tröôûng nhanh, saâu vaø roäng cuûa caùc ñònh cheá taøi chính Vieät Nam, “thò tröôøng” nhaân löïc trong lónh vöïc taøi chính - ngaân haøng heát söùc soâi ñoäng. Thöïc teá hoaït ñoäng cho thaáy, lónh vöïc taøi chính ngaân haøng ñang khuûng hoaûng thieáu toaøn dieän veà nguoàn nhaân löïc, ñaëc bieät laø ñoái vôùi nhaân löïc caáp quaûn lyù gioûi vaø coù trình ñoä cao. Khoù khaên naøy ñang laø moät trong nhöõng yeáu toá taïo ra söï phaùt trieån thieáu beàn vöõng vaø taïo ra söï caïnh tranh nhaân söï khaù quyeát lieät giöõa caùc ñònh cheá taøi chính. Nhaän ñònh ñöôïc khoù khaên treân, HDBank ñaõ xaùc ñònh möùc ñoä öu tieân haøng ñaàu ñoái vôùi chieán löôïc phaùt trieån nguoàn nhaân löïc laø xaây döïng ñöôïc caùc keá hoaïch tuyeån duïng quy moâ, ñaàu tö chính saùch thu huùt nhaân löïc cuõng nhö vieäc taøi trôï cho caùc sinh vieân caùc tröôøng ñaïi hoïc, phaùt hieän vaø ñaøo taïo nhaân toá môùi. Tính ñeán ngaøy 31 thaùng 12 naêm 2007, toång soá caùn boä nhaân vieân laø 675, taêng 68% so vôùi naêm 2006; trong ñoù toång soá caùn boä nhaân vieân coù trình ñoä Ñaïi hoïc vaø treân ñaïi hoïc laø 69%.

Veà coâng taùc ñaøo taïo, HDBank ñaõ töï ñaøo taïo cuõng nhö hôïp taùc vôùi caùc trung taâm nhö PACE, BTC, Hieäp hoäi ngaân haøng, Ñaïi hoïc kinh teá Tp.HCM, Ñaïi hoïc ngaân haøng… ñeå ñaøo taïo veà kieán thöùc veà kyõ naêng quaûn lyù cuõng nhö nghieäp vuï chuyeân moân cho 818 löôït CBNV trong 41 khoaù hoïc. Ngoaøi ra, HDBank coøn cöû 03 ñoaøn CB caáp quaûn lyù ñi hoïc taäp kinh nghieäm ôû Ngaân haøng nöôùc ngoaøi nhö Myõ, Singapore, Nhaät.

Luoân laáy “yeáu toá con ngöôøi” laøm giaù trò coát loõi ñeå phaùt trieån, HDBank luoân tin töôûng vôùi nguoàn nhaân löïc treû, naêng ñoäng, tri thöùc vaø taâm huyeát seõ ñöa HDBank phaùt trieån leân taàm cao môùi treân neàn taûng vôùi nhöõng giaù trò vöõng beàn.

Coâng Taùc Quaûn Trò Nguoàn Nhaân Löïc


25

Ngaøy 04/01/2008, taïi khaùch saïn Sheraton, HDBank ñaõ toå chöùc leã coâng boá bieåu töôïng môùi cuûa HDBank, taêng voán ñieàu leä leân 1.000 tyû ñoàng ñuùng vaøo ngaøy kyû nieäm 18 naêm thaønh laäp vaø phaùt trieån. Bieåu töôïng môùi chính laø quyeát taâm tieáp tuïc quaù trình ñoåi môùi toaøn dieän vaø saâu saéc dieän maïo cuûa HDBank, ñöa thöông hieäu “HDBank” trôû thaønh moät thöông hieäu vöõng maïnh, coù uy tín treân thò tröôøng taøi chính. ÑÔN GIAÛN VAØ DEÃ NHÔÙ - ñoù laø tieâu chí yù töôûng thieát keá cuûa bieåu töôïng “HDBank”!

Vôùi saéc ñaëc tröng laø hai maøu: naâu ñoû beân traùi vaø ghi baïc beân phaûi, toång theå maøu saéc logo taïo cho löïc thò giaùc coù höôùng nhìn töï nhieân töø traùi sang phaûi, taïo ra caûm giaùc logo ñang chuyeån ñoäng tieán veà phía tröôùc, qua ñoù, HDBank muoán taïo ra hình aûnh môùi cho Ngaân haøng, ñoù laø söï naêng ñoäng maø vaãn sang troïng, treû trung maø ñaày tin caäy.

Ñieåm nhaán cuûa logo chính laø maøu naâu ñoû vôùi chöõ “HD”. Naâu ñoû laø maøu cuûa ñaát - bieåu töôïng cuûa söï tröôøng toàn. Ñaây laø gam maøu maïnh, taïo aán töôïng vaø thu huùt söï chuù yù, mang yù nghóa taïo neân söï sung tuùc vaø may maén, naêng ñoäng vaø tin caäy. Ñaây cuõng laø ñieåm mang yù nghóa ñoät phaù trong vieäc ñoåi môùi heát söùc naêng ñoäng cuûa HDBank.

Maøu ghi saùng baïc cuûa chöõ “Bank” laø maøu cuûa nöôùc - laø khôûi nguoàn cuûa cuoäc soáng, laø bieåu töôïng cuûa taøi loäc vaø giaøu sang, taïo neân ñoái troïng cho söï caân ñoái vaø haøi hoøa cuûa logo. Neùt khuyeân vaùt höôùng leân cuûa chöõ “K” theå hieän yù chí vöôn leân, vaø nhö lôøi môøi khoaùng ñaït ñaày thieän chí maø HDBank traân troïng göûi ñeán khaùch haøng vaø ñoái taùc.

Vôùi boá cuïc thieát keá khaù töï do, coù hai taàng thoâng tin. Treân laø doøng chöõ vieát taét teân Ngaân haøng, döôùi laø doøng chöõ veà phöông chaâm hoaït ñoäng, caùc neùt chöõ thanh tao maø chaéc chaén, Logo HDBank taïo ra hình aûnh töôïng tröng cho söï phaùt trieån beàn vöõng vaø khoâng ngöøng. Nhö vaäy, HDBank mong muoán göûi ñeán moïi ngöôøi thoâng ñieäp veà söï ñoåi môùi, moät ngaân haøng hieän ñaïi phaùt trieån ña naêng, thaân thieän vaø côûi môû, phuø hôïp cho moïi taàng lôùp khaùch haøng. HDBank mang ñeán cho khaùch haøng caûm giaùc cuûa tieän nghi vaø sang troïng, caûm giaùc cuûa söï chu ñaùo vaø aân caàn, cuûa söï luoân luoân naêng ñoäng vaø phaùt trieån.

YÙ Nghóa Bieåu Töôïng Logo

26

Phong Traøo Ñoaøn Theå

27

Naêm 2007 Coâng Ñoaøn vaø Ñoaøn Thanh Nieân HDBank ñaõ coù 1 naêm hoaït ñoäng soâi noåi vaø tích cöïc, hoaøn thaønh xuaát saéc nhieäm vuï chính trò, ngaøy moät cuûng coá vai troø noøng coát cuûa mình.

Coâng Ñoaøn HDBank ñaõ trôû thaønh choã döïa vöõng chaéc cuûa taát caû Ñoaøn vieân Coâng Ñoaøn. Ban chaáp haønh Coâng Ñoaøn luoân quan taâm, chaêm lo toaøn dieän ñôøi soáng CBNV baèng nhieàu hình thöùc nhö: toå chöùc khaùm söùc khoûe ñaày ñuû cho CBNV toaøn Ngaân haøng vaø toå chöùc thaønh coâng 2 ñôït nghæ maùt trong thaùng 8/2007 (taïi Khu du lòch Moûm Ñaù Chim-Bình Thuaän). Beân caïnh ñoù Coâng Ñoaøn coøn trích Quyõ phuùc lôïi ñeå thöôûng cho CBNV vaøo moãi dòp kyû nieäm caùc ngaøy leã: 30/4, 1/5, 2/9… Veà coâng taùc nöõ coâng, toång keát vaø phaùt thöôûng cho 102 chò ñaït danh hieäu trong phong traøo thi ñua “Phuï nöõ 2 gioûi” naêm 2006, ñoàng thôøi phaùt ñoäng tieáp phong traøo “Phuï nöõ 2 gioûi” naêm 2007, taëng quaø vaø toå chöùc kyû nieäm cho caùc chò NV nhaân ngaøy 8/3, trích Quyõ Coâng ñoaøn taëng quaø cho caùc chaùu thieáu nhi ngaøy 1/6…

Veà phong traøo noäi boä, trong quyù III/2007, Ban Chaáp Haønh Coâng Ñoaøn ñaõ toå chöùc thaønh coâng caùc giaûi theå thao nhö: Giaûi quaàn vôït HDBank cup 2007, Giaûi Karaoke truyeàn thoáng 2007, Giaûi boùng chuyeàn baõi bieån... Ngoaøi ra, vieäc phaùt trieån ñoaøn vieân Coâng ñoaøn cuõng ñöôïc quan taâm thöïc hieän: Keát naïp theâm 165 ñoaøn vieân, naâng toång soá ñoaøn vieân coâng ñoaøn leân 454 ngöôøi / toång soá 596 CBNV. Trong quyù III/2007 coù 2 caùn boä coâng ñoaøn ñöôïc nhaän Kyû nieäm chöông vì söï nghieäp coâng ñoaøn: Baø TRAÀN THÒ KIM ANH vaø OÂng LEÂ THANH TUØNG.

Khoâng chæ quan taâm chaêm lo ñôøi soáng vaät chaát vaø tinh thaàn cho CBNV cuûa Ngaân haøng, Coâng Ñoaøn cuõng raát chuù troïng ñeán caùc coâng taùc xaõ hoäi, caùc hoaït

ñoäng höôùng veà coäng ñoàng. BCH Coâng ñoaøn ñaõ uûng hoä 10.000.000 ñoàng cho chöông trình Hoäi traêng raèm thaùng 8/2007 vaø tham gia phaùt quaø cho treû em ngheøo taïi Dinh Thoáng Nhaát (ñeâm 22/09/2007 do Baùo Yeâu treû toå chöùc), phoái hôïp vôùi Ñoaøn thanh nieân cô sôû toå chöùc hieán maùu nhaân ñaïo ñôït 2, keâu goïi toaøn theå CBNV Ngaân haøng uûng hoä ñoàng baøo baõo luït phía Baéc vaø caùc tænh Mieàn Trung.

Vôùi söï noã löïc ñoù, naêm 2007 Coâng ñoaøn HDBank ñaõ ñaït ñöôïc thaønh tích xuaát saéc trong phong traøo thi ñua lao ñoäng gioûi vaø xaây döïng toå chöùc Coâng ñoaøn vöõng maïnh naêm 2007 do Toång lieân ñoaøn lao ñoäng VN coâng nhaän.

Veà hoaït ñoäng cuûa Ñoaøn thanh nieân HDBank cuõng ñaõ ñaït caùc keát quaû khaû quan.Ñoaøn thanh nieân HDBank thöïc söï laø dieãn ñaøn cuûa Ñoaøn vieân thanh nieân ñang coâng taùc taïi HDBank.

Ñoaøn ñaõ toå chöùc chuyeán daõ ngoaïi cho ñoaøn vieân thanh nieân. Thöïc hieän quyeân goùp uûng hoä chöông trình “Vì phöôøng xaõ ngheøo”, uûng hoä treû em ngheøo vaø mua veù soá gaây quyõ uûng hoä chöông trình “Vì Tröôøng Sa thaân yeâu”, cöùu trôï gia ñình naïn nhaân bò thieân tai taïi Mieàn Trung. Toå chöùc ñoùng goùp quyõ tình thöông, coâng taùc xaõ hoäi thöôøng xuyeân.

Toå chöùc giaûi boùng ñaù mini, giao löu boùng ñaù vôùi caùc ñôn vò baïn nhaèm taïo tinh thaàn ñoaøn keát, gaén boù vaø giao löu hoïc hoûi. Toå chöùc cuoäc thi thôøi trang bieån, theå duïc theå thao trong chuyeán nghæ maùt truyeàn thoáng cuûa ngaân haøng taïo khoâng khí vui töôi vaø taïo cô hoäi giao löu cho ñoaøn vieân thanh nieân.Toå chöùc Teát trung thu vaø trao quaø cho caùc treû em khuyeát taät taïi Trung taâm nuoâi döôõng treû khuyeát taät Quaän 4.

28

Baùo Caùo Taøi Chính


Veà caùc baùo caùo taøi chính toùm taét cuûa Ngaân haøng Thöông maïi Coå phaàn Phaùt trieån Nhaø Thaønh phoá Hoà Chí Minh cho naêm taøi chính keát thuùc ngaøy 31 thaùng 12 naêm 2007.

Baùo Caùo Kieåm Toaùn

Kính göûi: Hoäi ñoàng Quaûn trò vaø Ban Toång Giaùm ñoác Ngaân haøng Thöông maïi Coå phaàn Phaùt trieån Nhaø Thaønh phoá Hoà Chí Minh

Chuùng toâi ñaõ kieåm toaùn caùc baùo caùo taøi chính cuûa Ngaân haøng Thöông maïi Coå phaàn Phaùt trieån Nhaø Thaønh phoá Hoà Chí Minh (sau ñaây ñöôïc goïi taét laø “Ngaân haøng”) cho naêm keát thuùc ngaøy 31 thaùng 12 naêm 2007 theo caùc Chuaån möïc Kieåm toaùn Vieät Nam vaø Quoác teá ñöôïc aùp duïng taïi Vieät Nam maø töø ñoù baûng caân ñoái keá toaùn vaø baùo caùo keát quaû hoïat ñoäng kinh doanh trình baøy töø trang 2 ñeán trang 4 ñaõ ñöôïc laäp ra (sau ñaây ñöôïc goïi laø “caùc baùo caùo taøi chính toùm taét”). Baùo caùo kieåm toaùn cuûa chuùng toâi ñöôïc laäp vaøo ngaøy 05 thaùng 03 naêm 2008 ñaõ ñöa ra yù kieán laø caùc baùo caùo taøi chính maø töø ñoù caùc baùo caùo taøi chính toùm taét ñöôïc laäp, ñaõ phaûn aùnh trung thöïc vaø hôïp lyù tình hình taøi chính cuûa Ngaân haøng vaøo ngaøy 31 thaùng 12 naêm 2007 vaø keát quaû hoaït ñoäng kinh doanh vaø tình hình löu chuyeån tieàn teä cho naêm taøi chính keát thuùc cuøng ngaøy theo caùc Chuaån möïc Keá toaùn vaø Heä thoáng Keá toaùn caùc Toå chöùc Tín duïng Vieät Nam vaø tuaân thuû theo caùc quy ñònh cuûa Ngaân haøng Nhaø nöôùc Vieät Nam.

YÙ kieán Kieåm toaùnTheo yù kieán chuùng toâi, caùc baùo caùo taøi chính toùm taét keøm theo ñaõ phuø hôïp, nhaát quaùn vôùi caùc baùo caùo taøi chính maø töø ñoù caùc baùo caùo taøi chính toùm taét naøy ñöôïc laäp ra vaø chuùng toâi ñaõ ñöa ra yù kieán chaáp nhaän toaøn phaàn ñoái vôùi caùc baùo caùo taøi chính ñoù.

Ñeå coù theå hieåu saâu saéc hôn veà tình hình taøi chính cuûa Ngaân haøng vaø keát quaû hoaït ñoäng kinh doanh trong nieân ñoä cuõng nhö veà phaïm vi cuûa coâng vieäc kieåm toaùn, caùc baùo caùo taøi chính toùm taét phaûi ñöôïc xem xeùt cuøng vôùi caùc baùo caùo taøi chính naêm maø töø ñoù caùc baùo caùo taøi chính toùm taét naøy ñaõ ñöôïc laäp ra cuøng vôùi baùo caùo kieåm toaùn töông öùng.

Traàn Ñình Cöôøng Phoù Toång Giaùm ñoác Kieåm toaùn vieân coâng chöùng Soá ñaêng kyù: 0135/KTV Thaønh phoá Hoà Chí Minh, Vieät NamNgaøy 05 thaùng 03 naêm 2008

Nguyeãn Xuaân Ñaïi Kieåm toaùn vieân phuï traùchKieåm toaùn vieân coâng chöùng Soá ñaêng kyù: 0452/KTV

31

Baûng Caân Ñoái Keá ToaùnNgaøy 31 thaùng 12 naêm 2007

Naêm 2007 Naêm 2006

TAØI SAÛN

Ñ/v: trieäu ñoàng

Cho vay khaùch haøng

Cho vay khaùch haøng

Döï phoøng ruûi ro cho vay khaùch haøng

Chöùng khoaùn ñaàu tö

Chöùng khoaùn ñaàu tö saün saøng ñeå baùn

Chöùng khoaùn ñaàu tö giöõ ñeán ngaøy ñaùo haïn

Döï phoøng giaûm giaù chöùng khoaùn ñaàu tö

Goùp voán, ñaàu tö daøi haïn

Ñaàu tö daøi haïn khaùc

Taøi saûn coá ñònh

Taøi saûn coá ñònh höõu hình

Nguyeân giaù taøi saûn coá ñònh

Hao moøn taøi saûn coá ñònh

Taøi saûn coá ñònh voâ hình

Nguyeân giaù taøi saûn coá ñònh

Hao moøn taøi saûn coá ñònh

Tieàn maët, vaøng baïc, ñaù quyù

Tieàn göûi taïi Ngaân haøng Nhaø nöôùc Vieät Nam

Tieàn, vaøng göûi taïi vaø cho vay caùc TCTD khaùc

Taøi saûn coù khaùc

Caùc khoaûn laõi, phí phaûi thu

Xaây döïng cô baûn dôû dang

Taøi saûn coù khaùc

328.913

80.119

525.817

2.659.057

2.677.532

(18.475)

275.849

-

275.849

-

47.524

47.524

55.561

46.377

53.739

(7.362)

9.184

9.274

(90)

42.463

28.032

6.059

8.372

TOÅNG TAØI SAÛN 4.015.303

319.552

388.351

1.709.527

8.877.033

8.912.366

(35.333)

1.450.599

30.150

1.425.849

(5.400)

128.929

128.929

66.454

53.452

64.626

(11.174)

13.002

13.314

(312)

882.107

208.884

46.912

626.311

13.822.552


Baûng Caân Ñoái Keá ToaùnNgaøy 31 thaùng 12 naêm 2007Ñ/v: trieäu ñoàng


NÔÏ PHAÛI TRAÛ

791

Tieàn göûi vaø vay cuûa caùc TCTD khaùc

Tieàn göûi cuûa caùc TCTD khaùc

Vay caùc TCTD khaùc

8.154.143

8.154.143

-

Tieàn göûi cuûa khaùch haøng 3.539.895

Caùc khoaûn nôï khaùc

Caùc khoaûn laõi, phí phaûi traû

Caùc khoaûn phaûi traû vaø coâng nôï khaùc

Döï phoøng chung cho caùc cam keát ngoaïi baûng

626.203

133.742

489.009

3.452

Caùc khoaûn nôï Chính phuû vaø Ngaân haøng Nhaø nöôùc

Phaùt haønh giaáy tôø coù giaù 760.786

TOÅNG NÔÏ PHAÛI TRAÛ 13.081.818

VOÁN CHUÛ SÔÛ HÖÕU

500.000

119.777

29.988

90.969

Voán vaø caùc quyõ

Voán ñieàu leä

Thaëng dö voán coå phaàn

Quyõ döï tröõ

Lôïi nhuaän chöa phaân phoái

TOÅNG NÔÏ PHAÛI TRAÛ VAØ VOÁN CHUÛ SÔÛ HÖÕU 13.822.552

TOÅNG VOÁN CHUÛ SÔÛ HÖÕU 740.734 703.632

CAÙC CHÆ TIEÂU NGOAØI BAÛNG CAÂN ÑOÁI KEÁ TOAÙN

390,658

16.000

1.230.049

1.219.928

10.121

1.576.872

67.923

31.823

35.104

996

420.827

3.311.671

500.000

119.777

15.977

67.878

4.015.303

128,943Nghóa vuï nôï tieàm aån

Ngöôøi laäp

Baø Trònh Thò Thu ThaûoPhoù phoøng Keá toaùn taøi chínhThaønh phoá Hoà Chí Minh, Vieät NamNgaøy 05 thaùng 03 naêm 2008

Ngöôøi pheâ duyeät

Baø Phaïm Thò Myõ ChiKeá toaùn Tröôûng kieâmPhoù Toång Giaùm ñoác


OÂng Traàn Anh TuaánToång Giaùm ñoác

33

Keát Quaû Hoaït Ñoäng Kinh Doanh


THU NHAÄP HOAÏT ÑOÄNG

697.349

(486.748)

Cho naêm keát thuùc ngaøy 31 thaùng 12 naêm 2007Ñ/v: trieäu ñoàng

Thu nhaäp laõi thuaàn

Thu nhaäp töø hoaït ñoäng dòch vuï

Chi phí hoaït ñoäng dòch vuï

Thu nhaäp thuaàn töø hoaït ñoäng dòch vuï

Laõi thuaàn töø hoaït ñoäng kinh doanh ngoaïi hoái

Laõi thuaàn töø mua baùn chöùng khoaùn ñaàu tö

Thu nhaäp hoaït ñoäng khaùc

Thu nhaäp töø goùp voán, mua coå phaàn

210.601

55.535

(2.904)

52.631

5.606

-

2.514

3.563

Thu nhaäp laõi vaø caùc khoaûn thu nhaäp töông töï

Chi phí laõi vaø caùc chi phí töông töï

TOÅNG THU NHAÄP HOAÏT ÑOÄNG 274.915 150.301

Chi phí hoaït ñoäng

Chi phí tieàn löông

Chi phí khaáu khao vaø khaáu tröø

Chi phí hoaït ñoäng khaùc

(48.041)

(4.095)

(36.346)

Lôïi nhuaän thuaàn töø hoaït ñoäng kinh doanh

Chi phí döï phoøng ruûi ro tín duïng

186.433

(18.878)

TOÅNG LÔÏI NHUAÄN TRÖÔÙC THUEÁ

Chi phí thueá thu nhaäp doanh nghieäp hieän haønh

Chi phí thueá thu nhaäp doanh nghieäp hoaõn laïi

Chi phí thueá thu nhaäp doanh nghieäp

167.555

(46.586)

-

46.586

LÔÏI NHUAÄN SAU THUEÁ 120.969 67.878

Laõi cô baûn treân coå phieáu (ñoàng)

(meänh giaù 10.000 ñoàng/coå phieáu) 2.419

269.949

(143.546)

126.403

6.468

(1.737)

4.731

9.878

156

8.821

312

(30.308)

(2.130)

(16.083)

101.780

(7.626)

94.154

(26.276)

-

(26.276)

2.242

(88.482) (48.521)TOÅNG CHI PHí HOAÏT ÑOÄNG

Ngöôøi laäp

Baø Trònh Thò Thu ThaûoPhoù phoøng Keá toaùn taøi chínhThaønh phoá Hoà Chí Minh, Vieät NamNgaøy 05 thaùng 03 naêm 2008


Baø Phaïm Thò Myõ ChiKeá toaùn Tröôûng kieâmPhoù Toång Giaùm ñoác


OÂng Traàn Anh TuaánToång Giaùm ñoác

34

KHU VÖÏC MIEÀN BAÉCChi Nhaùnh Haø NoäiChi Nhaùnh Caàu GiaáyChi Nhaùnh Hoaøn KieámPhoøng Giao Dòch Ñoáng ÑaPhoøng Giao Dòch Thaùi ThònhPhoøng Giao Dòch Hai Baø TröngPhoøng Giao Dòch Taây Ñoâ

KHU VÖÏC MIEÀN TRUNG

Chi Nhaùnh Ñaø NaüngPhoøng Giao Dòch Leâ Duaån

KHU VÖÏC MIEÀN NAM

Chi Nhaùnh Caàn Thô Chi Nhaùnh Bình DöôngChi Nhaùnh Phuù NhuaänChi Nhaùnh Laõnh Binh ThaêngChi Nhaùnh Nguyeãn TraõiChi Nhaùnh An LaïcChi Nhaùnh Coäng HoøaChi Nhaùnh Hieäp PhuùChi Nhaùnh Phuù ThoïPhoøng Giao Dòch Phuù Myõ HöngPhoøng Giao Dòch An LaïcPhoøng Giao Dòch Nguyeãn OanhPhoøng Giao Dòch Bình ThoïPhoøng Giao Dòch Hoøa BìnhPhoøng Giao Dòch Coâng LyùPhoøng Giao Dòch Baïch ÑaèngPhoøng Giao Dòch Ngoâ Gia TöïPhoøng Giao Dòch Long HaäuPhoøng Giao Dòch Duy TaânPhoøng Giao Dòch Laïc Long Quaân

Maïng Löôùi Hoaït Ñoäng Cuûa HDBank

35

Annual Report 2007

36

37

40

43

44

46

47

48

57

58

59

60

62

68

Chairman’s message

Board of Directors

2007 Milestones

2007 Prominent events

HDBank Mission

2007 Financial results

2007 Business Results

IT Breakthrough

Human resources management

Meanings of HDBank logo

Social & community activities

2007 Financial Summary

HDBank network

Contents

37

Chairman’s Message

38

Chairman’s Message

Ladies and Gentlemen,

After one year of world economic integration by joining into WTO, in 2007, Vietnam obtained many fantastic achievements, GDP reached 8.5%, the highest growth in all fields for the last ten years. According to the world economic experts, Vietnam was ranked as the most safety country to investment in Asia, and as the second in the world. Along with those advantages, still existing difficulties such as the unprecedented oil price, the highest gold price for the last 30 years, high inflation rate and “hot” development of real estate market; meanwhile, the declined stock market has not fully recovered, the recorded foreign investment flow which enforced the control over the currency rate and its liquidity. Moreover, Vietnam also obtained the highest effectiveness from the environment changes, which influenced to the socioeconomic development. With the young, high educated and enthusiastic HDBank’s staff; in full support of Executive Board and in great attention of Board of Management in common with new structure and orientation, HDBank has gained the persuadable targets as follow:

In 2007, HDBank accomplished all tasks appointed by the Annual Shareholders’ Meeting 2006. The chartered capital was VND 500 billion; total assets of HDBank approx. reached VND 14,000 billion, equivalent to 244% rise; the mobilized capital gained VND 12,456 billion,with a rise of 284%; the total liabilities reached VND 8,912 billion of the 233% increase. With the good control, the bad debt was under 0.3% of total liabilities. The profit before tax was VND 168 billion equivalent to 78% rise. The dividend rate in 2006 was 16%. The HDBank’s network was continually opened over 20 business locations nationwide. The staff in total is up to 675. The technology modernization project - CORE BANKING is going to the end stage - the “GO LIVE” launch - at the right time.

39

2008 is coming, the finance and monetary market is extremely indefinite happening, even exceeding the commercial banks’ control, the fluctuant capital and interest sources; the high inflation is the cause of the high compulsory reserves among the credit organizations, higher and higher competition among banks, talents’ deficiency especially for the management and skilled workforce, the limited policies of the government on the liability to the securities trade, warnings potential risks of real estate market.

To the year 2008, with the defined strategy “Building HDBank to be a leading diverseand operative bank”, HDBank is well prepared to keep pace with all the challenges, taking the most efforts to enhance the financial capacity in which the focus is to increase its chartered capital to VND 2000 billion, popularizing HDBank’s brand name, diversifing the services and products based on CORE BANKING, enhancing the management in accordance with the international standard, increasing the owned assets, value and the liquidity of HDBank’s shares. Besides, it’s also vital to look for the strategic partner to upgrade the competition capacity, expanding the business performance in the tendency of stable and sustainable development, developing Human resources in conjunction with the policies of motivation and encouragement, aiming at accomplishing all training programs and development policies. In 2008, HDBank will continuously commit to ensure the shareholder interests at the minimum dividend rate of 12% per year.

The assignment of HDBank in 2008 is really challenging. Nevertheless, the Management Board and all staff have strong belief in the shareholders’ concurrence, theintensive and in-time guidance of the Vietnam State Bank, and especially in the great trust and support from customers to overcome challenges, to develop continually,to affirm and improve the HDBank’s name in the market.

On behalf of the Management Board and the Executive Board, to the esteemed shareholders, distinguished guests and all the staff who accompanied with HDBank, may we express this statement as our pledge with the highest and best possibility in developing HDBank to higher stature. Best regards,

Nguyen Huu Thanh

Chairman of Management Board

2007 Annual report

40

Board of Directors

Nguyen Huu Thanh

Chairman

Nguyen Thi Phuong Thao

Vice Chairman

Tran Huu Thai

Vice Chairman

Do Thi Hong Dung

Member

Cao Duy Dong

Member

Doan Tran Phuong Lan

Member

Tran Van Vinh

Vice Chairman

Le Chi Hieu

Member

41

Board of Executives

2007 Annual report

Phan Quoc Tien

Deputy General Director

Nguyen Doan Duy Ai


Pham Thi My Chi


Tran Anh Tuan

General Director

Nguyen Huu Dang


Nguyen Thi Tich


42

Board of Controllers

Ly Kim Van

Chief Controller

Tran Thi Ngoc Hanh

Controller

Le Thi Tuyet Anh

Controller

43

2007 Milestones

04 January 2007: Celebrating the 17th anniversary of the HDBank’s establishment.

10 January 2007: Attaining the “Topten Gold Cup for Prestige & Quality Products -

Trademark”.

09 March 2007: Signing The Core-Banking Supply Contract with Sungard System

Access.

02 April 2007: Annual Shareholders’ Meeting of the year 2006.

14 April 2007: Opening An Lac Branch.

25 June 2007: Opening Cau Giay Transaction Office.

30 June 2007: Opening Binh Tho and Nguyen Oanh Transaction Offices.

04 July 2007: Opening Hoa Binh Transaction Office.

10 July 2007: Opening Cong Ly Transaction Office.

31 July 2007: Opening Hoan Kiem Transaction Office.

12 September 2007: Opening Dong Da Transaction Office.

20 September 2007: Extraordinary Shareholders’ Meeting of the year 2007.

5 October 2007: Signing Cooperation contracts with Long Hau Corp and 3D Corp.

1 November 2007: Signing the Cooperation contract with HSC Corp.

20 November 2007: Opening Bach Dang Transaction Office.

2007 Annual report

44

2007 Prominent Events

45 2007 Annual report

46

Achieving the internal reinforcement, well-prepared integration,

technology breakthrough and human resource development for

HDBank to a new stage – the stage of sustainable development.

HDBank Mission

Objectives 2008Increasing the chartered capital to VND 2000 billion and improving the market

value of HDBank share.

Promoting the capital mobilization from the individual and economic

organizations, going on gaining the sustainable development of the

traditional and new services / products.

Developing the human resources and restructuring the organization

management.

Modernizing the banking IT.

Promoting the revenue of the services, decreasing the revenue ratio

of credit operation and ensuring the operational safety index.

Spreading out the business locations to the minimum of 50

nationwide.

Building the Head Office in Ho Chi Minh more spacious than

the existing one.

Establishing sub-companies controlled by HDBank,

or contributing its capital into the joint stock corps by

HDBank and strategic partners on the same rights

of management such as Finance Leasing Corp,

Securities Corp and Capital Management Corp.

Popularizing the HDBank’s brand name.

Promoting the legal and debt collection issues.


VND 13,823 billion

VND 650 billion

VND 12,456 billion

VND 8,912 billion

0.3 %

VND 777 billion

VND 609 billion

VND 168 billion

VND 121 billion

19.21 %

1.47 %

16 %

VND 11 billion

Total Assets

Chartered capital and funds

Total of Mobilized capital

Total credit loans

Bad debts / total credit loans

Total income

Total expenses

Profit before tax

Net profit

Return on Average Equity (ROE)

Return on Average Assets (ROA)

Rate of Dividend

Dividend reserve

2007 Financial Results

48

Expense structure(Unit: VND billion)

Other expenses 10 billion (1,7%)

Operation expense490 billion(80,5%)

The provision of credit losses27 billon(4,4%)

Management expense 81 billion(13,4%)

Income structure(Unit: VND billion)

Loan interest433 billion (55,8%)

Service income194 billion (25%)

Other incomes5 billion (0,6%)Deposit interest

145 billion (18,7%)

Operation Results

Income - Expense(Unit: VND billion)

2005

100

200

300

400

500

600

700

800

170

298

777

121

204

609

4994

168

Income Expense Profits before tax

2006 2007

In 2007, with young, high educated and enthusiastic staff as well as Executive Board’s full supports and considerable attention of Board of Management, HDBank’s operation gained great results by its new management structure, orientation and changes showed as follow:

The profit before tax reached VND 168 billion, equivalent to 178% rise compared to that of the year 2006. Net income reached over VND 121 billion. The dividend distribution rate was 16%.

Total income: 777 billion, such as Loan interest 433 billion for 55.8% of total income, Non-Credit income 339 billion (43.6%), Other incomes 5 billion (0.6%).Total Expenses: 609 billion, such as Operation expense 490 billion for 80.8% of total expenses, Management expense 81 billion (13.4%), The provision of credit losses 27 billion (4.4%), other expenses 10 billion (1.7%).


Growth of Mobilized Capital(Unit: VND billion)

2005 2006 2007

1,8712.000

Mobilization Capital Demand deposits Mid-long term deposits

4.000

6.000

8.000

10.000

12.000

14.000

Short-term deposits

3,244

12,456

410 465 1,263 1,0232,128

9,421

438 650 1,772

Structure based on Currency(Unit: VND billion)

VND 11,131 billion(89%)

Foreign currency363 billion (3%)Gold

962 billion (8%)

Structure based on term(Unit: VND billion)

Short-term deposits 9,421billion (76%)

Demand deposits1,263 billion (10%)

Mid-long term deposits1,772 billion (14%)

Capital Mobilization

The capital mobilization played the key role to meet the capital needs of HDBank. In 2007, the total capital mobilization in HDBank’s network gained VND 12,456 billion, increase by 284% compared to 2006. This achievement was from the application of flexible interest rates in the market, service quality enhancement, network openings nationwide which made the customers satisfied and comfortable with HDBank’s services.

50

In 2007, HDBank reached a great development in total assets to VND 13,823 billion, a 75% rise of its plan and 244% rise compared to that of the year 2006, shown:

Total liabilities structure (Unit: VND billion)

Mobilized capital 12,456 billion (90,11%)

Other liabilities 626 billion (4,53%)

Chartered capital and funds

650 billion (4,70%)

Retained earnings (*)91 billion (0,66%)

Total assets structure(Unit: VND billion)

Loans8,912 billion (64,48%)

Investments 1,585 billion (11,47%)

Deposit with credit institutions 1,595 billion(11,54%)

Liquidity823 billion (5,95%)

Other assets 841 billion (6,08%) Medium Operate

67 billion (0,48%)

Total Assets

Total assets structure:

Liquidity 5,95%Loans 64,48%Investments 11,47%Deposit with credit institutions 11,54%Other assets 6,08%

Total liabilities structure:

Chartered capital and funds 4,70%Mobilized capital 90,11%Retained earnings 0,66%Other liabilities 4,53%

(*) The above-mentioned Net profit was discounted 30 billion of shares in 2007 (deposited 6% shares in the first time of 2007).

51

Due to the legal changes of chartered capital in increasing procedures to the commercial banks and other causes, HDBank’s chartered capital remained at VND 500 billion. Therefore, the roadmap to increase chartered capital to 1,000 billion in 2007 was approved to postpone to January 2008 in the Meeting of Shareholders.

Growth of Total Assets & Chartered Capital(Unit: VND billion)

2005 2006 2007

300

Total Assets Chartered Capital

2.000

4.000

6.000

8.000

10.000

12.000

14.000

0

500 500

2,307

4,015

13,823

Chartered Capital

2007 Annual report

52

Credit Operations

Structure on a term basis Structure on a currency basis

Growth of loan outstanding debts(Unit: VND billion)

Loan outstanding debt Bad debt

2003 2005 2007

1.000

2.000

3.000

4.000

5.000

6.000

7.000

8.0009.000

8,9122,6781,3751,065627

2004 2006

28

8

125

Gold(8%)

Foreign currency(3%)

VND(89%)

Medium and long-term(35%)

Short-term(65%)

The credit operation reached 56% of total income. The total outstanding debts by 31 December 2007 reached VND 8,912 billion, equivalent to 71.6% of mobilized capital, an increase of 95% of the plan and 233% rise over 2006, in which the bad debt was 0.3% for VND 27.9 billion, and the bad debt with loss possibility was VND 9.65 billion for 0.1%.


• Credit growth under good control

To maximize the customers’ needs satisfaction, in 2007, HDBank had launched out marketing programs for some of new credit services like:- The program of Loan to buy Car “F1% to extend loans 100% of the car value at the monthly interest rate of 1%”.- The promotion program named “Welcome to the National day - Loan Favor” with the total amount of support up to VND 1,500 billion.- The program to buy Phu My Hung houses termed from 25 to 30 years.- The credit program to the low income people under the ADB sponsored programs, SME projects, etc…- In addition, on 5 October 2007, HDBank had signed cooperation contracts with the Long Hau Industrial Park and 3D Corp to fund all the enterprises in Long Hau IP.- A program was promoted for the capital support to the enterprises which located in the other industrial parks. - HDBank had been also promoting credits to the enterprises located in the Industrial Parks such as the second Hiep Phuoc IP (Nha Be), Viet Huong IP (Binh Duong Province) and IP group in Duc Hoa (Long An Province)…- Some investments were also extended to new fields like the Dak U hydroelectric plant of Phu Tan Power Corp; cooperation with other banks to support to the big projects such as the 112 meter off-shore drilling platform (co-sponsored with Petroleum Finance Corp), the 60,000 DWT bulk carrier project (HDBank and VIBank - Saigon Branch).

• Other credit services

Until now, the credit services provided the main source of profit in the mainstream of business run in HDBank. However, along with the credit growth, HDBank did manage well its risk potentials and daily quality of services, also actively promoted the activities of checking, internal controlling, with strict following of issued procedures and regulations, with periodical classifying for customers.As stated in the regulation No. 493 of Vietnam State Bank, HDBank had done excellently debt classifications and the risk provisions.Also based on the regulation of Vietnam State Bank stipulated on the loan of securities business, HDBank had soon followed. At the end of the year 2007, the rate of securities business was only at 0,95% of total liabilities of HDBank.The total liabilities in 2007 increase 233% over that in 2006 with the bad debt ratio of 0,3% in the liabilities.

54

International settlements(Unit: VND million)

1.000

4,509

2004

2.000

3.000

4.000

5.000

2005 2006 2007

43

928

2,543

Together with the increase in investment capital to the non-credit accounts, the total revenue on these non-credit services occupied a high rate in the total income to prevent the loss potential on running the capital. In 2007, this rate was 44%, equivalent to VND 339 billion, a 316% rise compared to 2006. Some of the following services included to gain the marvelous achievements such as documentary discounting, bonds’ investment, valuable papers of other credit organizations, equity investments and guarantee services, etc...

Banking Services

• International settlementsIn 2007, HDBank has executed the whole service of international settlements through SWIFT network as the following specific report figures:- The total value reached USD 195 million, an increase of 129% beside 2006.- The total income from these services obtained VND 4.5 billion, an increase of 77% beside 2006.- 118 correspondent banks were established in most of the countries worldwide.

Income from investments(39%)

Income from monetary market(43%)

Other income(18%)

Non-credit services income structure


In 2007, HDBank continued to develop services on domestic payment and treasury service which had been always considered as the bank’s strength. These services included authorized collection - payment, money transfer, settlement services and so forth. Besides, HDBank also enhanced the customer services through friendly staff to the point of a number of customers using these services which had increased more and more as a result. The total income from domestic payment and treasury services accomplished VN 1.4 billion, marking an increase of 1.7 time over the year 2006.

• Domestic payment and treasury service

• Capital deal in the interbank marketThe followings were the results of the capital deal in the interbank market of the year 2007:- The total revenue fulfilled by VND 145 billion, an increase of 174% over 2006 for 19% of the total income.- The amount of money dealed was VND 1,595 billion for 11.5% of the total capital, a 12% rise as planned and 228% increase over 2006.- Dealing capital was not only for making profit but assuring the capital source and liquidity for the whole HDBank as well. Moreover, many activities gained and promoted such as investment of valuable papers, deposit/share certificates and especially for the documentary discounting or saving books.

• Forex operationsThe revenue of Forex operations increased 242% compared to the year 2006, equivalent to VND 2.5 billion achievement. Main activities were to meet the requirements of international settlements and foreign currency adjustment.

• Gold tradingHDBank has successfully achieved huge profit with the gold trade services in 2007 through the improved gold import, and good opportunities of boosting the service of gold trading business. HDBank imported 1,750 kg for business. The total revenue was up to VND 3.6 billion.

56

In 2007, to promote the high profitable ratio of investment capital for the capital safety, HDBank invested VND 116.6 billion to the six new established corps such as the Credit Guarantee Corp, Security Fund Management Corp, 3D Corp, VIETJET Airlines Corp, Card Services Corp and HDReal of which raised HDBank’s members to be 14 with the HDBank’s investment.In addition, HDBank signed a cooperation contract with HSC Security Corp and became a strategic partner of HSC. Besides, the cooperation contract was signed between HDBank and Long Hau industrial Park.The total financial investment reached to 1,585 billion for 11.4% of the total capital, increasing 13% as planed and 390% higher than that of 2006, including:Investments to Government’s bonds and valuable papers of other credit institution gained to VND 1,456 billion, increasing 21% as planed and 427% higher than that of 2006.The capital contribution, investments and share dealing went up to VND 129 billion at 65% as planned and increasing to 169% over 2006. And for the result of the financial cooperation and investment activities, the total revenue in 2007 was VND 128.7 billion, 11 times higher than the year 2006.

Financial Cooperation and Investment Activities

The documentary discounting at HDBank had the recorded achievement of 56 times higher than that of 2006; an increase of the average discounting liabilities of VND 556 billion and the profit of this service went up to VND 44 billion. Documentary discounting services had been applied by HDBank on the saving books, valuable papers issued by other credit organizations, government bonds, and import - export documents and so on…

To improve the business scope and operation capacity for real estate services that aimed to maximize the efficiency, in 2007, HDBank restructured the real estate department and contributed the capital to establish the new corporation named HDReal - a member of HDBank.

• Documentary discounting

• The real estate services


In 2007, USD 5.0 million were invested in the project of modernization of the banking technology; named – Core Banking. At the end of 2007, the project has been nearly completed and was waiting to “GO LIVE” in all HDBank offices nationwide. Included in the launch; many products and services would be planned to send to the customers for their satisfactions.

The new technology will help HDBank’s management more effective and efficient in protecting sensitive data. This development also supports a more effective forecast plan with the high control ofrisk management… The investment for this project was a major step for HDBank to become a diverse and modern institution with better services to the customers.

IT Breakthrough

58

During the last time, especially in the year 2007, the “booming” development and quick growth of the “labour” market in the financial and banking sectors had reached the peak. In reality; there was the deficiency of skilled talents in the financial markets; especially at management level. This in turn caused unstable development and increases competition among the financial institutions. For this consequence;

HDBank confirmed its first priority to be the policy for human resource development. This strategy is a part of the overall master plan drawn up for the policy implementation as well as student sponsorship programs which included finding and training programs for new staff. By 31 December 2007, HDBank staff reached 675, an increase of 68% compared to that in 2006 including 69% of the graduates and the post graduates. For T&D activities, HDBank promoted and conducted its own training courses and outsourced to 818 bank staff to the well-known training organizations such as PACE, BTC, Vietnam Banker Association, Ho Chi Minh City University of Economics, and the Banking University… Also included was a serie of 41 managementt and professional training courses which were available to enhance management capacity, strengthen and improve banking operation skills. In addition, 3 delegates were sent out to gain the management experiences from USA, Singapore, and Japan.

Considered “Human Resources” as core values for the development and growth, HDBank always put believes on the young, dynamic, and well-educated personnel as a priority to ensure its foundation, and to reach a sustainable future.

Human Resources Management

59

On 4 January 2008, HDBank held a grand opening ceremony to announce the new logo of HDBank and the increase of chartered capital up to VND 1.000 billion on the occasion of the 18th anniversary of HDBank establishment. The new logo expresses the determination of the continual full and intensive renovation in HDBank appearance and to raise HDBank brand name to the new level of prestige in the financial and banking market.

SIMPLE & EASY TO REMEMBER is the criteria while designing the HDBank’s logo.

With the main colors of the reddish brown on the left and the grey on the right, they will naturally attractthe human visibility from the left to the right. As a result, HDBank new logo is aimed at the dynamic, the young and the influential.

The key point of Logo is the color of reddish brown with characters “HD”. The reddish brown is the color of soil (land), aiming to the perpetuality. This is a strong line of color which creates the impression and the attraction for the meanings of property and the wealthy. This is the breakthrough period of a highly dynamic innovation from HDBank.

The bright grey of the word “BANK” is to express the color of water - not only for the start of the life but also for the meanings of good fortune and the wealth, which builds balance and harmony. The marking line in K is not only shown the high-aimed will but considered the goodwill invitation of HDBank sent to the honor customers and business partners as alike.

With the free style layout, 2 separate levels of information are included. The wording above the line is written the name of “Bank”, and the under line is the HDBank business motto which is refined and solid. HDBank’s logo creates a sustainable and everlasting image. HDBank intention is to send out a defined message about the bank to its customers - the new and the old - with good innovation, multi-functionality, friendship and warmth. Moreover, with the sense of comfort, this logo coveys the image to consolidate the heart full feeling for dynamic and the everlasting development which is also portrayed in the HDBank.

Meanings of Logo

2007 Annual report

60

Social and Community Activties


In 2007, the community and movement activities of HDBank took place ebulliently and actively to affirm the key role of the Labour Union and The Youth Union in the great fulfillment of political task and professional operation as well.

As a moral support of all members, HDBank Trade Union had paid full attention to social lives of HDBank’s staff by many activities such as organizing the health checks for all staff, holding 2 travels in August 2007. Moreover, the bonus pointed out from benefit fund made to all staff on the occasions of April 30, May 1, September 2, etc…

For the women’ activities, HDBank also rewarded to 102 women for the program named “Excellent Woman for 2 duties in 2006”, launched new program of “Excellent Woman for 2 duties in 2007”; celebrated a ceremony with presents on the woman day, offered gifts to children on the 1 June (Day of Children) withdrawn from the fund of Trade Union.

Further internal movements were also well organized, in quarter IV of 2007, the Executive Board of Trade Union successfully held the sporting movements like HDBank Tennis Cup 2007, HDBank Karaoke Vocal Contest 2007, HDBank Seaside Volleyball champion… Additionally, the member development was concerned by new admittance of 165 members which upgraded the number of members to be 454 over 596 staff. Also in quarter III of 2007, 2 members Ms. Tran Thi Kim Anh and Mr. Le Thanh Tung won the Campaign Medals for Union Achievements.

Together with care and improvement of the material and spiritual conditions to the staff, the Trade

Union and the Youth Union paid great attentions to the social and community activities by supporting of VND 10,000,000 to the Full Moon Festival in August of 2007, delivering gifts and fund raising to the poor and street children at Reunification Palace organized by YEU TRE magazine on 22 September 2007, holding the Second Humanitarian Blood Donors’ day, donating to the People in Flood areas in the North and Middle regions.

With the above-mentioned achievements, HDBank’s communities were honorably conferred awards for Great Performance and Well-built Trade Union in 2007 by Vietnam General Trade Union.

In HDBank, Youth Union’s activities also gained satisfactory results. The Youth Union is really a forum for all the members in HDBank.

The following activities were also well organized by The Youth Union such as the donation to the “For the Poor Wards”; to the poor children and the lucky lottery servicing program to the “For Loveful Truong Sa Island”, the “Relief to victims of the natural Calamity in the Middle of Vietnam”, the “Funding program for the Love” and many other social activities.

Besides, the mini soccer champions, the exchange soccer program with other organizations were successfully held to recreate unity, close and friendship. To have the happiness and study exchanges among members, the Youth Union created a Seaside fashion contest in the travels.Moreover, the full moon festival was organized to deliver gifts the handicapped children at the District 4 Nursing Center for the Handicapped.

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2007 Financial Summary

64

on the Summarized Financial Statements of Housing Development Commercial Joint-Stock Bank of Ho Chi Minh Cityfor the year ended 31 December 2007

Auditors’ Report

To: The Board of Management and Directors of Housing Development Commercial Joint-Stock Bank of Ho Chi Minh City

We have audited the financial statements of Housing Development Commercial Joint-Stock Bank of Ho Chi Minh City (“the Bank”) as at 31 December 2007 in accordance with Vietnamese and International Standards on Auditing applicable in Vietnam from which the accompanying balance sheet and statement of income as set out on pages 2 to 4 have been prepared (hereafter referred as “the summarized financial statements”). In our auditors’ report dated 5 March 2008, we expressed an opinion that the financial statements gave a true and fair view of the financial position of the Bank as at 31 December 2007 and the result of its operations and cash flows for the year then ended in accordance with the Vietnamese Accounting Standards and System for credit institutions and relevant regulations of the State Bank of Vietnam.

Audit opinionIn our opinion, the accompanying summarized financial statements are consistent with the financial statements from which they have been prepared and on which we have expressed an opinion.

For a better understanding of the financial position of the Bank and the result of its operation for the year and of the scope of our audit, the summarized financial statements should be read in conjunction with the financial statements from which they have been prepared and our audit report thereon.

Nguyen Xuan Dai Auditor In-chargeRegistered Auditor Certificate No. 0425/KTV

Tran Dinh Cuong Deputy General Director Registered Auditor Certificate No. 0135/KTV Ho Chi Minh City, Vietnam5 March 2008

65

Balance Sheetas at 31 December 2007

Year 2007 Year 2006

ASSETS

319,552

388,351

1,709,527

328,913

80,119

525,817

Unit: VND million

Loans and advances to customers

Loans and advances to customers

Provision for loan losses

8,877,033

8,912,366

(35,333)

2,659,057

2,677,532

(18,475)

Investment securities

Available-for-sale investments

Held-to-maturity investments

Provision for impairment of investment securities

1,450,599

30,150

1,425,849

(5,400)

275,849

-

275,849

-

Capital contributions and long-term investments

Other long-term investments

128,929

128,929

47,524

47,524

Fixed assets

Tangible fixed assets

Cost

Accumulated depreciation

Intangible fixed assets

Cost

Accumulated amortization

Cash on hand, gold, silver and precious stones

Balances with the State Bank of Vietnam

Balances with and loans to other credit institutions

66,454

53,452

64,626

(11,174)

13,002

13,314

(312)

55,561

46,377

53,739

(7,362)

9,184

9,274

(90)

Other assets

Accrued interest, fees receivable

Uncompleted basic constructions

Other assets

882,107

208,884

46,912

626,311

42,463

28,032

6,059

8,372

TOTAL ASSETS 4,015,30313,822,552

2007 Annual report

66

Balance Sheet

Year 2007 Year 2006

LIABILITIES

16,000

Deposits and loans from other credit institutions

Deposits from other credit institutions

Loans from other credit institutions

1,230,049

1,219,928

10,121

Customer deposits 1,576,872

Other liabilities

Accrued interest and fees payable

Accounts payable and other liabilities

General provision for contingent liabilities and

off balance sheet commitments

67,923

31,823

35,104

996

Borrowings from the Government and State Bank of Vietnam

Issuance of valuable papers 420,827

TOTAL LIABILITIES 3,311,671

OWNERS’ EQUITY

500,000

119,777

15,977

67,878

Capital and reserves

Chartered capital

Share premium

Reserves

Retained earnings

TOTAL LIABILITIES AND OWNERS’ EQUITY 4,015,303

TOTAL OWNERS’ EQUITY 740,734 703,632

as at 31 December 2007Unit: VND million

OFF BALANCE SHEET ITEM

791

8,154,143

8,154,143

-

3,539,895

626,203

133,742

489,009

3,452

760,786

13,081,818

500,000

119,777

29,988

90,969

13,822,552

390.658 128.943Contingent liabilities

Prepared by

Ms Trinh Thi Thu ThaoDeputy Accounting ManagerHo Chi Minh City, Vietnam5 March 2008

Approved by

Ms Pham Thi My ChiChief Accountant andDeputy General Director

Approved by

Mr Tran Anh TuanGeneral Director

67

Statement of Income

Year 2007 Year 2006

OPERATING INCOME

697,349

(486,748)

269,949

(143,546)

Net interest and similar income

Fee and commission income

Fee and commission expenses

Net fee and commission income

Net gain from dealing in foreign currencies

Net gain from purchase and sale of investment securities

Other operating income

Gains from capital contributions and long-term investments

210,601

55,535

(2,904)

52,631

5,606

-

2,514

3,563

126,403

6,468

(1,737)

4,731

9,878

156

8,821

312

Interest and similar income

Interest and similar expenses

TOTAL OPERATING INCOME 274,915 150,301

Operating expenses

Salaries and remunerations

Depreciation and amortization

Other operating expenses

(48,041)

(4,095)

(36,346)

(30,308)

(2,130)

(16,083)

Net Operating Profit

Loan loss provision expense

186,433

(18,878)

101,780

(7,626)

NET PROFIT BEFORE TAX

Current enterprise income tax

Deferred enterprise income tax

Enterprise income tax expenses

167,555

(46,586)

-

46,586

94,154

(26,276)

-

(26,276)

NET PROFIT AFTER TAX 120,969 67,878

Basic earnings per share (VND)

(par value of VND 10,000 per share) 2,419 2,242

(88,482) (48,521)TOTAL OPERATING EXPENSES

2007 Annual report

for the year ended 31 December 2007Unit: VND million

Prepared by

Ms Trinh Thi Thu ThaoDeputy Accounting ManagerHo Chi Minh City, Vietnam5 March 2008

Approved by

Ms Pham Thi My ChiChief Accountant andDeputy General Director

Approved by

Mr Tran Anh TuanGeneral Director

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NORTHERN AREAHa Noi BranchCau Giay BranchHoan Kiem BranchDong Da Transaction OfficeThai Thinh Transaction OfficeHai Ba Trung Transaction OfficeTay Do Transaction Office

CENTRAL AREADa Nang BranchLe Duan Transaction Office

SOUTHERN AREACan Tho BranchBinh Duong BranchPhu Nhuan BranchLanh Binh Thang BranchNguyen Trai BranchAn Lac BranchCong Hoa BranchHiep Phu BranchPhu Tho BranchPhu My Hung Transaction OfficeAn Lac Transaction OfficeNguyen Oanh Transaction OfficeBinh Tho Transaction OfficeHoa Binh Transaction OfficeCong Ly Transaction OfficeBach Dang Transaction OfficeNgo Gia Tu Transaction OfficeLong Hau Transaction OfficeDuy Tan Transaction OfficeLac Long Quan Transaction Office

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2007 - HD Bank Lyù Kim Vaân Tröôûng Ban Kieåm Soaùt Traàn ... 30/06/2007: Khai tröông PGD...

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