bao cao thuong nien nam 2012

VBSPAnual Report 2012 1

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VBSPAnnual Report 2012 1

VBSPAnnual Report 20122

C B DDC B

Trong nm 2012, cc iu kin kinh t v m ca Vit Nam n nh ng k so vi nm trc. Tuy nhin, nn kinh t trong nc vn cn nhng kh khn do kinh t th gii cha n nh, thin tai, dch bnh xy ra nhiu a phng, nh hng khng nh ti mt b phn dn c, nht l ngi ngho, ng bo dn tc

In 2012 the macroeconomic situation in Vietnam has become more stable than the last year. However, the domestic economy still has faced many difficulties and

challenges, such as unstable world economy, natural disasters and epidemics in many ar-eas, which affected seriously some segments of the population, especially the poor, ethnic


thiu s sng vng su, vng xa, vng kh khn. Trong bi cnh , vi phng chm hot ng coi thnh cng ca khch hng cng chnh l thnh cng ca ngn hng, Ngn hng Chnh sch x hi vn lun vng bc ng hnh cng ngi ngho v cc i tng chnh sch ti Vit Nam vt qua kh khn, vn ln thot ngho bn vng.

Vi mc tiu pht trin n nh, bn vng, trong nm 2012, Ngn hng Chnh sch x hi trin khai nhiu gii php c bn, ng b, nhm cng c nng cao cht lng hot ng, trng tm l cht lng tn dng chnh sch. Bn cnh , nhng n lc ca cc t chc chnh tr nhn y thc, T tit kim v vay vn v c bit l thc ca khch hng gip cng tc thu n cho vay quay vng t kt qu cao vi tng doanh s thu n trong nm t 22.787 t ng, tng doanh s cho vay t 33.027 t ng. Tng d n n 31/12/2012 t 113.921 t ng, tng 9,8% so vi nm 2011 vi 7.088 nghn h gia nh cn d n. D n tp trung vo chng trnh cho vay h ngho, cho vay hc sinh, sinh vin c hon cnh kh khn, cho vay h gia nh sn xut, kinh doanh ti vng kh khn, cho vay nc sch v v sinh mi trng nng thn.

n cui nm 2012, Ngn hng Chnh sch x hi gip hn 21,4 triu lt h ngho v i tng chnh sch c tip cn

minorities living in remote, isolated and dis-advantaged areas. Under these circumstanc-es, with the motto the customers success also means the success of the bank, VBSP has stepped steadily with the poor and other policy beneficiaries to help them overcome any difficulties and lift out of poverty sus-tainably.

At the aim of stable and sustainable development, Vietnam Bank for Social Poli-cies has carried out many basic and syn-chronous solutions to improve the quality of policy credit implementation in 2012. In addition, thanks to the borrowers efforts and cooperation, the rate of debt repayment for revolving is high, with the total repayment turnover being VND 22,787 billion, while total lending turnover reaching VND 33,027 billion.

Total outstanding loans as of 31 De-cember 2012 reached VND 113,921 billion with 7,088 thousand active borrowers, with main contribution of the lending to the poor households, disadvantaged students, busi-ness and production households living in ex-tremely disadvantaged areas and the lending for housing purposes, safe water and rural sanitation.

By the end of 2012, over 21.4 million poor households and beneficiaries accessed pol-


vn tn dng vi mc d n bnh qun t 16 triu ng/khch hng (tng 13,5 triu ng/khch hng so vi mc cho vay bnh qun t nhng ngy u i vo hot ng nm 2003), gp phn gip 2,9 triu h thot ngng ngho; thu ht v to vic lm cho gn 2,6 triu ngi lao ng, h tr trn 98 nghn lao ng i lm vic c thi hn nc ngoi; gip hn 3 triu lt hc sinh, sinh vin c hon cnh kh khn c vay vn hc tp; xy dng trn 4,2 triu cng trnh cung cp nc sch, cng trnh nh tiu hp v sinh nng thn, gn 484 nghn cn nh cho h ngho, Vn tn dng chnh sch h tr cc i tng th hng c vn sn xut, kinh doanh, to v tng thu nhp cho gia nh, ci thin iu kin sng, bo v mi trng.

Thnh qu ng ghi nhn l kt qu ca qu trnh n lc vt kh ca cn b, vin chc Ngn hng Chnh sch x hi cng vi s quan tm ca Chnh ph, Th tng Chnh ph; cc B, ngnh Trung ng; cp y, chnh quyn a phng; s phi hp cht ch, c hiu qu ca cc t chc chnh tr - x hi nhn dch v y thc. Ngoi ra, t c nhng thnh qu cng khng th khng nhc n vai tr ca gn 205.000 T tit kim v vay vn ng vai tr l cnh tay ni di ca Ngn hng Chnh sch x hi trn ton quc.

Sang nm 2013, pht huy nhng kt

icy credit with the average outstanding loans of VND 16 million per household, (making an increase of VND 13.5 million in comparison to the average amount of the first year of estab-lishment in 2003).

Thanks to these lending programs, there was 2.9 million poor households sur-passing the poverty line; nearly 2.6 million labors and more than 98 thousand migrant workers abroad for limited terms having jobs; over 2.9 million disadvantaged stu-dents accessing policy credit; more than 4.2 million safe water supply and sanitation fa-cilities and nearly 484 houses built for poor household, etc. Besides, VBSP has provided households funds for manufacturing, which generating and increasing borrowers in-come, bettering their living standards and environment protection.

Such remarkable achievements are results of incessant efforts of VBSPs staff to overcome difficulties and the special concern of the Government; the Prime Minister; min-istries and agencies at the central level; local committees and local governments; the close and effective coordination between mass or-ganizations and VBSP in entrusted lending service. In addition, VBSPs success would not have been possible without the effective operation of 2,045 savings and credit group nationwide, considered as extended arm


THNG C NGN HNG NH NCKIM CH TCH HI NG QUN TRGOVERNOR OF THE STATE BANK OF VIETNAMCHAIRPERSON OF THE BOARD OF DIRECTORS

NGUYN VN BNH

qu t c sau 10 nm hot ng, Ngn hng Chnh sch x hi tip tc khng nh vai tr, v tr v s mnh ca mnh trong vic thc hin mc tiu xo i, gim ngho, an sinh x hi thng qua vic trin khai cc chng trnh tn dng u i, tng quy m p ng nhu cu cc i tng th hng; ng thi, trin khai ng b nhiu gii php cng c, nng cao cht lng tn dng. Ngn hng Chnh sch x hi s tip tc tp trung t chc thc hin tt Chin lc pht trin Ngn hng Chnh sch x hi giai on 2011 - 2020 c Th tng Chnh ph ph duyt, khng nh nh hng pht trin n nh, bn vng trong thi gian ti.

of VBSP, proving the success of VBSPs pov-erty alleviation model.

Entering 2013, furthering its achieve-ments of 10-year operation, Vietnam Bank for Social Policies will continue to strength-en its position and role in poverty alleviation and social welfare in Vietnam through pref-erential lending programs and better satisfy the demand of beneficiaries, implement ba-sic and synchronous solutions to improve the quality of policy credit implementation. Moreover, Vietnam Bank for Social Policies will also continue to fulfill its development strategy for the period 2011-2020, approved by the Prime Minister, simultaneously affirm-ing the durable development orientation in the years to come.



Mr. Nguyen Van BinhGovernor - the State Bank of Vietnam

Chairperson



VBSPAnnual Report 20126 7VBSPAnnual Report 2012 7



A. B MY QUN TRNGN HNG CHNH SCH X HI

I. Hi ng qun tr

Hi ng qun tr Ngn hng Chnh sch x hi gm 14 thnh vin, trong 2 thnh vin chuyn trch gm: Tng gim c v Trng Ban kim sot; 12 thnh vin kim nhim l cc Th trng hoc cp tng ng, ca cc B, ngnh, cc t chc chnh tr - x hi ti Trung ng.

A.THE GOVERNANCE STRUCTUREOF VBSP

I. The Board of Directors

The Board of Directors (BOD) com-prises 14 members, among them the Gover-nor of State Bank of Vietnam is the Chair-person. The two fulltime members are the General Director and the Chief of Supervi-sion Board of VBSP. The twelve part-time members are Vice Ministers or equivalent-



Hi ng qun tr c chc nng qun tr Ngn hng Chnh sch x hi, ban hnh cc vn bn v ch trng, chnh sch, chin lc pht trin Ngn hng Chnh sch x hi hng nm v 5 nm, c cu t chc v hot ng ca Ngn hng Chnh sch x hi cc cp, Ngh quyt cc k hp Hi ng qun tr t xut, thng k hng qu, hng nm.

Ngoi cc nhim v trn, cc thnh vin kim nhim Hi ng qun tr cn trc tip ch o h thng ca mnh tham gia qun l, gim st hot ng ca Ngn hng Chnh sch x hi.

II. B my gip vic cho Hi ng qun tr gm

1. Ban chuyn gia t vn Hi ng qun tr: C chc nng t vn cho Hi ng qun tr trong vic thc hin chc nng qun tr Ngn hng Chnh sch x hi. Thnh vin Ban chuyn gia t vn Hi ng qun tr gm cc chuyn gia cao cp do cc B, ngnh, t chc chnh tr - x hi c Lnh o tham gia Hi ng qun tr c v mt s chuyn gia do Ch tch Hi ng qun tr la chn.

2. Ban Kim sot: C chc nng kim tra, gim st hot ng ca Ban i din Hi ng qun tr cp tnh, huyn v b my iu hnh ca Ngn hng Chnh sch x hi trong vic thc hin ch trng, chnh sch, php lut ca Nh nc,

ranking officials of relevant ministries, agen-cies and mass organizations.

The BOD is in charge of governing VBSPs activities; issuing directions, poli-cies, and the annual and five-year develop-ment strategies for VBSP; deciding the op-erational and organizational mechanism of VBSP at various levels; passing resolutions of the BOD on an ad-hoc, quarterly, and an-nual basis.

In addition, the part-time members of the BOD directly steer their own agencies to take part in managing and overseeing VB-SPs activities.

II. Supporting teams of BOD

1. BODs Advisory Team has the func-tion of advising BOD on the governance of VBSP. Members of the Advisory Team are senior experts nominated by ministries, agen-cies, and mass organizations that have their representatives on the BOD of VBSP. Other experts may be selected by the Chairperson of BOD.

2. BODs Supervision Board is re-sponsible for surveillance and supervision of the activities of the Representative Units of the BOD at the provincial and district levels and of the Management Board of VBSP with


iu l Ngn hng Chnh sch x hi v cc vn bn, Ngh quyt ca Hi ng qun tr. 3. Ban i din Hi ng qun tr cp tnh, huyn: L i din ca Hi ng qun tr Ngn hng Chnh sch x hi ti a phng, c chc nng gim st vic thc hin cc vn bn ch o, Ngh quyt Hi ng qun tr ti chi nhnh Ngn hng Chnh sch x hi cp tnh v Phng giao dch cp huyn, phi hp ch o vic gn tn dng chnh sch vi k hoch xo ngho v d n pht trin kinh t - x hi ti a phng nng cao hiu qu s dng vn.

B. B MY IU HNH NGN HNG CHNH SCH X HI

Ngn hng Chnh sch x hi c h thng mng li hot ng t Trung ng n tnh, thnh ph, qun, huyn theo a gii hnh chnh. iu hnh hot ng ca h thng Ngn hng Chnh sch x hi l Tng gim c, gip vic Tng gim c c mt s Ph Tng gim c, Vn phng v cc Ban chuyn mn nghip v ti Hi s chnh.

I. Ti Trung ng

Hi s chnh Ngn hng Chnh sch x hi t ti Th H Ni, bao gm: Vn phng v 11 Ban chuyn mn nghip v; Trung tm Cng ngh thng tin, Trung tm o to v S giao dch.

respect to the execution of the Governments directions, policies and laws, VBSPs char-ter, and BODs resolutions and decisions.

3. The Representative Units of the BOD at the provincial and district levels: as the representatives of the BOD in the local area, these units are tasked with supervising the implementation of BODs directions and resolutions by VBSPs provincial branches and district transaction offices. These units also jointly give directions on the linkage of poli-cybased credit provision, poverty reduction, and socio-economic development projects in local areas so as to better utilize capital source.

B. THE MANAGEMENT BOARD OF VBSP

VBSPs operating network stretch-es from the Headquarters down to prov-inces and districts. At the helm of VBSP is the General Director, who is assisted by a number of Deputy General Direc-tors and functional departments at the Headquarters. I. The central level

The Headquarters is located in Ha-noi (the Capital) with a Transaction Cent-er, an Information Technology Center and a Training Center.


II. Ti a phng

Chi nhnh Ngn hng Chnh sch x hi cp tnh: L n v trc thuc Hi s chnh, i din php nhn theo u quyn ca Tng gim c trong vic ch o, iu hnh cc hot ng ca Ngn hng Chnh sch x hi trn a bn. iu hnh chi nhnh cp tnh l Gim c, gip vic Gim c c mt s Ph gim c v cc Phng chuyn mn nghip v ti Hi s tnh. n 31 thng 12 nm 2012 c 63 chi nhnh Ngn hng Chnh sch x hi tnh, thnh ph.

Phng giao dch Ngn hng Chnh sch x hi cp huyn: L cc n v trc thuc chi nhnh Ngn hng Chnh sch x hi cp tnh, t ti cc qun, huyn, thnh ph, th x trc tip thc hin cc nghip v ca Ngn hng Chnh sch x hi trn a bn. iu hnh Phng giao dch qun, huyn l Gim c, gip vic Gim c c Ph gim c v cc t nghip v. n 31 thng 12 nm 2012 c 618 Phng giao dch Ngn hng Chnh sch x hi cp huyn.

II. The local level

VBSPs provincial branches are sub-ordinated units of the Headquarters. Under the authorization of VBSPs General Direc-tor, these branches direct and run VBSPs ac-tivities in local areas. A provincial branch is headed by a director, who is assisted by a number of deputy directors and op-erational divisions. At as December 31st 2011 there have been 63 VBSPs provin-cial branches. District transaction offices are sub-ordinated units of the provincial branches. These district offices directly conduct VBSPs

activities in the local area. A district transac-tion office is also headed by a manager, who

is assisted by a number of deputy managers and operational teams. As at December 31st 2012, there have been 618 district transac-tion offices.


Cho vay h ngho.

Cho vay hc sinh, sinh vin.

Cho vay gii quyt vic lm.

Cho vay i tng chnh sch i lao ng c thi hn nc ngoi.

Cho vay h gia nh sn xut, kinh doanh ti vng kh khn.

Cho vay tr chm nh cho h dn vng ngp l ng bng sng Cu Long.

Cho vay nc sch v v sinh mi trng nng thn.

Cho vay doanh nghip va v nh (KFW).

Cho vay d n pht trin ngnh lm nghip.

Cho vay h ng bo dn tc thiu s c bit kh khn.

Cho vay h gia nh, c s doanh nghip s dng lao ng l ngi sau cai nghin.

Cho vay h tr h ngho lm nh .

Cho vay h ng bo dn tc thiu s ngho, i sng kh khn.

Cho vay thng nhn hot ng thng mi ti vng kh khn.

Mt s chng trnh cho vay do nhn y thc ca cc t chc quc t; chnh quyn a phng.


Poor households program.

Disadvantaged students program.

Job creation program.

Program for migrant workers abroad forlimited terms.

Program for business and production households living in etremely disadvantaged areas and communes.

Program for extremely disadvantaged ethnic minority households in Me Kong river delta.

Safe water and rural sanitation program.

Small and medium enterprises program (KFW).

Forest sector development program(WB).

Extremely disadvantaged ethnic minority households program.

Business and production units, enterprises with drug-detoxified employees program.

Housing support program for the poor.

Credit program for disadvantaged ethnic households.

Credit program for traders doing business in disadvantaged areas.

Other credit program entrusted by interna-tional organizations; local authorities.


Nhm tng cng kh nng tip cn tn dng chnh sch u i ca Chnh ph i vi ngi ngho v cc i tng chnh sch khc, ng thi tit gim chi ph giao dch ca ngi vay, thc hin dn ch, cng khai vic s dng vn tn dng chnh sch v tng cng s ch o ca chnh quyn a phng, cc t chc chnh tr - x hi trong vic kim tra, gim st v gip ngi vay s dng vn c hiu qu, t thng 8 nm 2005, Ngn hng Chnh sch x hi chnh thc m cc im giao dch x (mi n v hnh chnh cp x c 01 im giao dch) c t ti tr s y ban nhn dn v thnh lp cc T giao dch x. T giao dch x c trch nhim n giao dch ti im giao dch x ti thiu 1 thng 1 ln vo 1 ngy c nh (k c ngy ngh cui tun, ngy l). T giao dch x gm 2 n 3 cn b do Gim c Ngn hng Chnh sch x hi ni cho vay phn cng, bao gm: Cn b tn dng lm T trng, k ton, th qu (trng hp T giao dch c 2 ngi th T trng kim th qu).

Ti cc im giao dch x, Ngn hng Chnh sch x hi nim yt cng khai: cc thng tin v ch trng, chnh sch tn dng u i ca Nh nc i vi ngi ngho v cc i tng chnh sch khc; li sut cho vay tng chng trnh; ni quy

With a view to increase the accessibility to preferential credits assiged by govern-ment to the poor and other beneficiaries, concurrently to reduce transaction expense for the borrower, as an effort to publicize the use of policy loans as well as to strengthen the steering of local au-thorities and cooperation in monitoring the loans and providing assistance to help the borrowers use the loans for the right purpose to maximize its efficiency,

the Vietnam Bank for Social Policies (VBSP) has of-ficially established fixed date transaction points at

communal level since August 2005. Under this initia-tive, each fixed date transaction point is located in the

office of communal peoples committee. On the fixed

dates of every month, working teams are sent to com-munes to deal with customers by VBSPs automobile. The teams are equipped with laptops, money coun-ters and printers. Those teams are named as mobile transaction teams. One mobile transaction team con-sists of 2 or 3 officers as assigned by the manager of

the VBSP local office, including one credit officer as

group leader, one accountant and one cashier. Trans-action at fixed date transaction office normally occurs

at least once per month on a particular day.

At each communal transaction units, fol-lowing information is publicized, including the information of Government policies and guide-lines on preferential credits for the poor and oth-er policy beneficiaries; interest rate of each loan

program; transaction regulars; list of house-


giao dch, danh sch h vay vn, s d n, thi hn tr n ca tng ngi vay, s d tin gi tit kim ca tng t vin T tit kim v vay vn.

Trong phin giao dch, T giao dch lu ng thc hin vic gii ngn, thu n, thu li, huy ng tin gi Tit kim ca t vin thng qua T tit kim v vay vn; chi tr tin hoa hng cho T tit kim v vay vn, tin th lao cho cn b x, phng, tip nhn h s vay vn, h s x l n... v giao ban vi cc t chc chnh tr - x hi nhn y thc, cc T trng T tit kim v vay vn nhm kim sot din bin, tnh hnh n vay, hot ng ca T tit kim v vay vn, ri ro v tn dng...

n 31 thng 12 nm 2012, ton h thng t 10.861 im giao dch x trn tng s 11.118 x, phng, th trn trong c nc. n nay, trn 85% hot ng nghip v ca Ngn hng Chnh sch x hi c thc hin ti x, phng, th trn thng qua hot ng ca T giao dch x.

holds with outstanding loans, loan amount, due date of the loans, interest amount payable to the bank of each borrower calculated to the transac-tion date, deposit of savings and credit group. The activities of mobile working team at communes include loan applications receipt, disbursement, debt and interest collection, sav-ing mobilization through savings and credit groups, commission payment to savings and credit groups and allowance to communal au-thority in charge. Additionally, an official meet-ing will be organized with representatives from communal mass organizations and savings and credit groups in order to control lending pro-cess, debt status, operation of savings and credit groups and credit risks, etc,.

At as December 31st, 2012, 10,861 mobile transaction points were established out of total 11,118 communes nationwide, which currently cover 85% banking trans-actions of VBSP.


VBSPAnual Report 2012 17


T CH C CN B

Accounting and Financial Management Department

TN D NG NG I NGHO Department of Credit to the Poor

K HO CH NGU N V N Capital Resources and Planning Department

KI M TRA KI M SOT N I B Internal Supervision and Auditing Department

H P TC QU C T International Cooperation Department

XY D NG C B N Department of Construction and Facilities Management

T I V Finance Department

V N PH NG

Internal Supervision and Auditing DepartmentSouthern Region

QU N L V X L N R I RO Department for Managing andHandling non - rforming loans

Department of Credit to the Disadvantaged Studentsand Other Target Groups

GeneraDirector

DeputyGeneralDirector Operational

Depart

l

ments

Personnel Department

pe


S T CHC S GIAO DCHOrganization Chart of Transaction Center

S T CHC S GIAO DCHOrganization Chart of Transaction Center

THANH TONPayment Department

Credit and Capital Planning Department

Administration and Personnel Department

Accouting - Treasury Department

Director DeputyDirector

OperationalDepartments


Training Management Department

Accouting Department


Director DeputyDirector



Sofware Technololyand Application Management Department

Network and Communication Department

Accouting Department

DirectorDeputyDirector



Accounting and Treasury Department

Information Technology Department

Training facilities


Internal Supervision andAuditing Department

Credit and Capital Planning Department

Director DeputyDirector Operational

Departments


Tng d n n 31 thng 12 nm 2012 t 113.921 t ng, tng 10.190 t ng (t l tng 9,8%) so vi nm 2011. Trong :

Cho vay h ngho: 41.560 t ng, chim 36,48% tng d n.

Cho vay hc sinh, sinh vin c hon cnh kh khn: 35.802 t ng, chim 31,43% tng d n.

Cho vay h sn xut, kinh doanh ti vng kh khn: 12.871 t ng chim 11,3% so vi tng d n.

Cho vay nc sch v v sinh mi trng nng thn: 10.631 t ng, chim 9,33% tng d n.

Cho vay gii quyt vic lm: 5.663 t ng, chim 4,97% tng d n.

Cho vay h ngho v nh : 3.833 t ng, chim 3,37% tng d n.

Cho vay i tng chnh sch i lao ng c thi hn nc ngoi: 560 t ng (trong 102 t ng cho vay theo Quyt nh s 71/2009/Q-TTg ca Th tng Chnh ph), chim 0,49% tng d n.

Cho vay mua nh tr chm: 743 t ng, chim 0,65% tng d n.

Total outstanding loans as at December 31st, 2012 is VND 113,921 billion, in-creasing by VND 10,190 billion (9,8%) compared to 2011. In which:

Poor households program: VND 41,560 billion, accounting for 36.48% of total outstanding loans.

Disadvantaged student program: VND 35,802 billion, accounting for 31.43% of total outstanding loans.

Business and production households living in extremely disadvantaged areas and communes: VND 12,871 billion, accounting for 11.3% of total outstanding loans.

Safe water and rural sanitation program: VND 10,631 billion, accounting for 9.33% of total outstanding loans.

Job creation program: VND 5,663 billion, accounting for 4.97% of total outstanding loans.

Housing for the poor program: VND 3,833 billion, accounting for VND 3.37%% of total outstanding loans.

Migrant workers program for social policy beneficiaries serving as migrant workers

abroad for limited terms: VND 560 billion (in which VND 102 billion is lending pursuant to Decision No. 71/2009/QD-TTg of the Prime Minister), accounting for 0.49% of total outstanding loans.


Cho vay h ng bo dn tc thiu s c bit kh khn: 496 t ng, chim 0,44% tng d n.Cho vay thng nhn hot ng thng mi ti vng kh khn theo Quyt nh s 92/2009/Q-TTg ca Th tng Chnh ph: 313 t ng, chim 0,27% tng d n.Cho vay chng trnh pht trin ngnh lm nghip (D n FSDP): 388 t ng, chim 0,34% tng d n.Cho vay h ng bo dn tc thiu s ngho, i sng kh khn vng ng bng sng Cu Long theo Quyt nh s 74/2008/Q-TTg ca Th tng Chnh ph: 460 t ng, chim 0,4% tng d n.Cho vay chng trnh pht trin doanh nghip nh v va (d n KFW): 176 t ng, chim 0,16% tng d n.Cho vay cc c s sn xut, kinh doanh, dch v v doanh nghip s dng ngi lao ng l ngi sau cai nghin ma ty t 1,4 t ng.Cho vay h ngho lm chi phng trnh l lt theo Quyt nh s 716/Q-TTg ca Th tng Chnh ph t 4 t ng.Cho vay mt s d n khc (vn nc ngoi): 74 t ng, chim 0,06% tng d n.Cho vay khc (Vn nhn u thc u t ti a phng) t 345,6 t ng, chim 0,31% tng d n.

Program for housing purpose with deferred payment: VND 743 billion, accounting for 0.65% of total outstanding loans. Extremely disadvantaged ethnic monority households program: VND 496 billion, accounting for 0.44% of total outstanding loans. Businessmen doing business in disadvantaged areas program in accordance to Decision 92/2009/QD-TTg of the Prime Minister: VND 313 billion, accounting for 0.27% oftotal outstanding loans. Forest sector development program (FSDP):VND 388 billion, accounting for 0.34% of total outstanding loans.Extremely disadvantaged ethnic minority households in Cuu Long river delta program in accordance to Decision No. 74/2008/QD-TTg of the Prime Minister: VND 460 billion, ac-counting for 0.4% of total outstanding loans.Small and medium enterprises program (KFW project): VND 176 billion, accounting for 0.16% of total outstanding loansBusiness and production units, enterprises with drug-detoxified employees program: VND

1,4 billion.Other loan projects (funded by foreign organizations): VND 74 billion, accounting for 0.06% of total outstanding loansOther lending (entrusted sources from local authorities): VND 345.6 billion, accounting for 0.31% of total outstanding loans.


H nghoPoor householdsGii quyt vic lmJob creationHc sinh, sinh vinDisadvantaged studentsNc sch v v sinh mi trng nng thnSafe water and rural sanitationXut khu lao ngMigrant workers abroad for limited termsH gia nh sn xut, kinh doanh ti vng kh khnBusiness and production households living in extremely disadvantaged areas and communesNh tr chmHousing with deffered pay ment

Doanh nghip va v nh (KFW)Small and medium enterprisesPht trin ngnh lm nghipForest sector developmentH ng bo dn tc thiu s c bit kh khnExtremely disadvantaged ethnic minority householdsH ngho lm nh Housing for the poorThng nhn hot ng thng mi ti vng kh khnTraders doing business in disadvantaged areasH ng bo DTTS ngho theo Quyt nh s 74Ethic monority household (Deision No74)D n nc ngoi Foreign projectsKhcOther purposes

4,97%31,43%

0,49% 11,3% 0,65% 0,16% 0,34% 0,44% 3,37% 0,27% 0,40% 0,06% 0,31%

36,48%9,33%

The Structure of Outstanding Loans


Tng ngun vn n 31 thng 12 nm 2012 t 122.260 t ng, tng 15.174 t ng (tng 14,17%) so vi 2011. Trong :

1. Ngun vn t ngn sch Nh nc: 26.903 t ng, chim 22,01% tng ngun vn, trong : 1.1. Vn do ngn sch Trung ng cp: 23.760 t ng, tng 2.344 t ng (t

Total capital as of December 31st, 2012 is VND 122,260 billion, increasing by VND 15,174 billion (14.17%) as compared to 2011. In which:

1. Funding from the State Budget: VND 26,903 billion, accounting for 22.01% of total capital, comprising: 1.1. Funding from the Central State Budget: VND 23.769 billion, increasing by

20.000

40.000

60.000

80.000

100.000

120.000

10,52515,529

20,21925,405

54,691

36,052

74,458

91,897

107,087

122,260140.000


l 10,95%) so vi nm 2011, trong : - Vn iu l: 10.000 t ng, tng 0 t ng (t l 0%) so vi nm 2011 - Vn ngn sch cp cho vay cc chng trnh: 13.760 t ng, trong : + Vn cho vay gii quyt vic lm: 4.287 t ng. + Vn cho vay chng trnh nh tr chm: 714 t ng. + Vn cho vay h ng bo dn tc thiu s c bit kh khn: 533 t ng. + Vn cho vay hc sinh, sinh vin: 5.495 t ng. + Vn cho vay theo Quyt nh s 74/2008/Q-TTg: 470 t ng. + Vn cho vay theo Quyt nh s 71/2009/Q-TTg: 207 t ng. + Vn cho vay theo Quyt nh s 167/2008/Q-TTg: 2.050 t ng. 1.2. Vn nhn y thc, u t t ngn sch a phng v t chc kinh t, c nhn: 3.143 t ng, tng 323 t ng (t l 11,44%) so vi nm 2011. 2. Vn vay: 33.114 t ng, gim 5.459 t ng, chim 27,09% tng ngun vn. 3. Vn huy ng: 52.098 t ng, chim 42,61% tng ngun vn, trong : - Nhn tin gi 2% ca cc t chc tn dng Nh nc: 20.318 t ng. - Huy ng th trng: 31.781 t ng, trong : + Huy ng tit kim ca ngi

2.344 billion (25%) as compared to 2011, in-cluding: - Charter capital: VND 10,000 billion, increasing 0 billion (0%) as compared to 2011. - Funding for loan programs: VND 13,760 billion, in which: + Funding for Job creation program: VND 4,287 billion. + Funding for Housing purpose with deferred payment: VND 714 billion. + Funding for Extremely disadvan-taged ethnic minority households program: VND 533 billion. + Funding for Disadvantaged students program: VND 5,495 billion. + Loan program in accordance to Deci-sion No. 74/2008/QD-TTg: VND 470 billion. + Funding for Loan program in ac-cordance to Decision No. 71/2009/QD-TTg: VND 207 billion. + Funding for Loan program in ac-cordance to Decision No. 167/2008/QD-TTg: VND 2,050 billion. 1.2. Entrusted capital from local state budget, economic organizations and individuals: VND 3,143billion, increasing by VND 323 billion (11,44%) as compared to 2011. 2. Borrowings assigned by the Government: VND 33,114 billion, decreasing by VND 5,459 billion, accounting for 27.09% of total capital. 3. Fund mobilized with- Two-percent mandatorydeposits of statedowned credit


institutions: VND 52,098 billion, accounting for 42.61% of total capital, in which: - Two-percent mandatory deposits of state-owned credit institutions: VND 20,318 billion - Fund mobilized from the public: VND 31,781 billion. In which: + Savings of the poor mobilized through savings and credit groups: VND 2,050 billion. + Bonds issued by VBSP under guaran-tee of the Government: VND 27,527 billion. 4. Other funds and capital: VND 10,144 billion, accounting for 8.29% of total capital.

ngho thng qua T tit kim v vay vn: 2.050 t ng. + Pht hnh tri phiu Ngn hng Chnh sch x hi c Chnh ph bo lnh: 27.527 t ng. 4. Ngun vn khc: 10.144 t ng, chim t trng 8,29% so tng ngun vn.

42,61% 8,29% 22,01% 27,09%


Trong tnh hnh kh khn chung ca nn kinh t th gii v t khi Vit Nam chnh thc thot khi danh sch cc nc ngho, nhiu nh ti tr c xu th gim dn quy m ti tr v rt khi Vit Nam. Theo , Vit Nam s dn dn phi tip cn nhng ngun h tr km u i hn, mang yu t th trng nhiu hn, c bit cc chng trnh ti tr s c thay bng cc chng trnh hp tc bnh ng theo nguyn tc th trng. Trong hon cnh , hot ng

Given the difficulties of the world economy and Vietnam officially out of the list of poor countries, many donors have tended to gradually decline their funding scale and withdraw from Vietnam. Accordingly, Vietnam will eventually have to access to supporting resources under less favorable and more commercial-oriented conditions, particularly the funding program will be replaced by the cooperative program on the market principles of equality. In this


hp tc quc t ca Ngn hng Chnh sch x hi vn lun ch ng, tch cc vn ng v tranh th c cc ngun lc t bn ngoi cho hot ng gim ngho v an sinh x hi ti Vit Nam. Nm 2012 ghi nhn nhiu thnh cng v bc tin trong cng tc i ngoi v qun l d n ca Ngn hng Chnh sch x hi.

Tnh n 31 thng 12 nm 2012, theo Ngn hng Pht trin chu (ADB), Ngn hng Chnh sch x hi thu ht c s tin ODA dnh cho tn dng vi m ln nht ti Vit Nam quy i ra la M tng ng 73,2 triu USD so vi s huy ng trong cng giai on 2003 - 2012 ca Qu Tn dng Nhn dn l 72,4 triu USD v Ngn hng Nng nghip v Pht trin Nng thn l 65,2 triu USD.

VN NG D N

Mc d, ngy cng gp nhiu kh khn trong vic thu ht ngun h tr t cc nh ti tr quc t, nhng cng tc vn ng d n vn t c mt s kt qu rt ng khch l. c bit, trong nm 2012 nhiu d n c khai thc, vn ng v tip cn trong nm 2011 chnh thc c ph duyt, bao gm: (i) Tip nhn 1.465 t trong s 2.500 t vn t chng trnh Tn dng H tr gim ngho (PRSC) ca cng ng cc nh ti tr Vit Nam do Ngn hng Th gii iu phi cp cho chng trnh tn

context, VBSP has always been proactive and aggressive in international cooperation to attract external resources for poverty re-duction and social welfare in Vietnam. The year 2012 recorded many achievements and progress in foreign affairs and project man-agement of VBSP.

According to the Asian Develop-ment Bank (ADB), as of December 31, 2012, VBSP attracted the largest amount of ODA for microfinance in Vietnam, equivalent to

USD 73.2 million, while , that amount of the Peoples Credit Fund was USD 72.4 mil-lion and the Bank for Agriculture and Rural Development was USD 65.2 million for the same period of 2003 - 2012

PROJECT DEVELOPMENT

Even though the international sup-ports become more and more limited, the project development still achieved consid-erable results. Specifically, in 2012, many

potential projects developed in 2011 were officially approved, including: (i) Project to receive VND 1,465 billion out of VND 2,500 billion from the capital source of the Poverty Reduction Support Credit (PRSC of the do-nor community in Vietnam, coordinated by the World Bank) for the disadvantaged stu-dents credit program via the state budget ; (ii) The sub-agreement to supplement about


dng hc sinh, sinh vin thng qua ngn sch; (ii) K Hip nh vay ph ca khon ti tr b sung tr gi khong 13.273.000 USD cho D n Pht trin ngnh Lm nghip giai on II ca Ngn hng Th gii; (iii) Thu ht c s tin ti tr tng ng 6.000.000 USD ca C quan Pht trin quc t Vng quc Anh (DFID) h tr cp b chi ph Chng trnh cho vay nc sch v v sinh mi trng nng thn, d kin to ra d n tng ng 1.000 t ng; (iv) D n M rng tip cn ti chnh cho ngi khuyt tt - Ti tr quy m nh cho cc c s sn xut, kinh doanh s dng, phc v hoc do ngi khuyt tt lm ch do Qu Nippon ti tr tr gi 600.000 USD; (v) D n V sinh h gia nh: Gn kt nhu cu ca ngi dn vi h tr vn vay u i do C quan pht trin Anh h tr Ngn hng Chnh sch x hi v B Y t trin khai tr gi 410.000 USD; (vi) D n ci thin v sinh cng ng da trn kt qu (CHOBA) do T chc ng Ty Hi Ng (EMW) ti tr, theo Ngn hng Chnh sch x hi s chu trch nhim qun l tin gi tit kim c ti tr thng cho h gia nh vay vn xy dng cng trnh v sinh mi trng nng thn ti 8 tnh thc hin d n. D kin s c t 100.750 n 125.750 cng trnh v sinh c EMW tr thng t ngun ti tr 56.420 triu ng n 70.420 triu ng (tng ng 2,8 - 3,5 triu USD). Ngn hng Chnh sch x hi phi hp vi Hi Lin hip Ph n Vit Nam chnh thc tip nhn d n.

USD 13,273,000 for the Forest Sector Devel-opment Project Phase II of the World Bank; (iii) The project to receive a total of USD 6,000,000 from the Department for Interna-tional Development (DFID) for subsidies to mobilize funds for RWSS lending program, which is expected to create the equivalent loan outstanding of some VND 1,000 billion; (iv) Project Inclusive finance: Small finance for businesses employing, serving or owned by persons with disabilities funded by the Nippon Foundation with total value of USD 600,000; (v) Project Rural household sani-tation: Linking demand with supply: the Department for International Development (DFID) granted USD 410,000 for VBSP and the Ministry of Health to implement the pro-ject. (vi) Community Hygiene Output-Based Aid (CHOBA) funded by the East Meets West Foundation (EMW), accrordingly VBSP will be responsible for managing savings accounts as the awarded amount for the households, who borrow money from VBSP to build sanitation facilities in 8 project provinces. Expectedly, around 100,750 to 125,750 sanitation facilities will be built with the support of total grant of VND 56,420 to 70,420 million (equivalent to USD 2.8 to 3.5 million). VBSP in collabo-ration with the Vietnam Womens Union of-ficially accepted the project.

In addition, in 2012 VBSP continued


Ngoi ra, trong nm 2012 Ngn hng Chnh sch x hi tip tc tip cn ngun h tr ODA b sung ngun vn thc hin cc chng trnh tn dng trng im do Chnh ph ch nh. ng thi, tch cc tip cn v lm vic vi cc nh ti tr tim nng khai thc v vn ng d n mi cng nh m rng cc d n thc hin th im thnh cng.

HOT NG I NGOI

Vi quy m v kt qu hot ng ngy cng c cng c v nng cao, Ngn hng Chnh sch x hi ngy cng khng nh r vai tr ca mnh trong hot ng ti chnh vi m ti Vit Nam ni ring v v th trong khu vc v trn th gii ni chung. Ngn hng Chnh sch x hi ngy cng cng c vai tr thnh vin trong cc hip hi v din n c uy tn v ti chnh vi m v tn dng nng thn trong khu vc v trn th gii: Hip hi Tn dng Nng nghip Nng thn Chu Thi Bnh Dng (APRACA), Hip hi Ngn hng Phc v ngi ngho (BWTP), Phong tro Tn dng vi m ton cu (MCS) v Din n Trao i thng tin Ti chnh vi m ton cu (The MIX).

Vic tr thnh thnh vin ca cc t chc ny a Ngn hng Chnh sch x hi hi nhp su rng hn vo hot ng ti chnh vi m quc t, gip Ngn hng Chnh sch x hi t c cc mc tiu v qung

access to ODA source to supplement funds for key credit programs designated by the Government. At the same time, VBSP has positive contact and work with potential donors to exploit and develop new projects and scale-up projects successfully piloted.

INTERNATIONAL RELATIONS The increase in scale and achieve-ments has highlighted VBSPs position in the microfinance industry in Vietnam in particular and in the world in general. Through active participation in inter-national events and the membership of prestigious international microfinance and rural credit organizations in the re-gion and in the world, VBSP is current-ly the member of the Asia-Pacific Ru-ral Agriculture and Credit Association (APRACA), the Banking with the Poor (BWTP), the Global Microcredit Summit (MCS) and the Microfinance Information Exchange (the MIX).

As the member of these organiza-tions, VBSP has opportunities to inte-grate deeply into the international micro-finance industry, and to introduce VBSPs operation and achievements to seek in-ternational organizations support and to exchange and share experiences among members.


b hnh nh v hot ng, tranh th s h tr ca t chc quc t, chia s, trao i kinh nghim v thng tin hot ng.

Vi vai tr l mt t chc ti chnh vi m hng u ti Vit Nam v t nhng ng gp tch cc vo thnh qu gim ngho ng ghi nhn ca Chnh ph Vit Nam, Ngn hng Chnh sch x hi tip tc c tip n nhiu on i biu quc t n tham quan v hc hi kinh nghim: (i) 02 on ca t chc Palli Karma Sahayaka (PKSF) - Bangladesh

As a leading microfinance organi-zation in Vietnam with the positive con-tribution to poverty reduction of Viet-nams Government, VBSP continued to receive many international delegates to visit and exchange experiences such as: (i) 02 delegations from Palli Karma Sahayaka (PKSF) - Bangladesh to learn about the lending program for the poor-est in Vietnam and the supporting policies for the small and medium enterprises of the Government of Vietnam (April and


sang tm hiu v: cc chng trnh cho vay nhm ngi ngho nht ti Vit Nam v cc chnh sch h tr doanh nghip va v nh ca Chnh ph Vit Nam (thng 4 v thng 6 nm 2012); (ii) 01 on cn b Ngn hng Chnh sch nc Cng ho Dn ch nhn dn Lo vi mc ch tm hiu v kinh nghim hot ng v mt s ni dung nghip v ca Ngn hng Chnh sch x hi (thng 5 nm 2012); (iii) 04 on cn b Ngn hng Nng nghip v Hp tc x Nng nghip Thi Lan tham quan v trao i kinh nghim v ti chnh vi m v Nng nghip nng thn ca Vit Nam (thng 11 v thng 12 nm 2012). Ngn hng Chnh sch x hi lun mong mun hc hi cc kinh nghim v bi hc thnh cng trn th gii v m rng quan h hp tc thng qua cc on cn b tham d cc cuc hi tho, hi ngh quc t: (i) on cng tc tham d cc cuc hp v s kin ca Hip hi APRACA ti Campuchia, ng thi chia s v hc hi kinh nghim h tr cc h ngho v h nng dn mt cch bn vng (thng 5 nm 2012); (ii) on cng tc sang lm vic ti n trong khun kh D n nng cp, hin i ho tin hc vi mc ch th nghim cc sn phm phn mm do cng ty i tc ti n cung cp (thng 6 nm 2012); (iii) on cn b tham d chuyn tham quan, hc tp v trao i kinh nghim ti Tp on tng h pht trin Nng nghip v nng thn (CARD MRI) - Philippines

June 2012); (ii) 01delegation of the Bank for Social Policies of Lao Peoples Demo-cratic Republic with the purpose of learn-ing experiences and a number of profes-sional contents of VBSP (May 2012); (iii) 04 Thailand delegations of the Bank for Agriculture and Agricultural Coopera-tives (BAAC) to have study visits to VBSP (November and December 2012)

VBSP always desires to learn the best practices and successful lessons in the world and expand co-operation through its delegations attending inter-national seminars and conferences such as: (i) The delegation attending meetings and events of APRACA, and sharing and learning experiences in supporting the poor farmers sustainably in Cambodia (May 2012); (ii) The mission to India for testing the software product developed by partner company in India in the frame-work of IT upgrade and modernization project (June 2012); (iii) The delegation to the Center for Agriculture and Rural Development (CARD MRI) - Philippines to learn and exchange experiences in the framework of the project Piloting microfinance services for HIV-infected and affected people and former drug us-ers (November 2012). In addition, VBSP also welcomed


trong khun kh D n Th im cung cp dch v ti chnh vi m v to vic lm cho ngi sng chung v chu nh hng bi HIV/AIDS v ngi sau cai nghin ma tu (thng 11 nm 2012).

Ngoi ra, Ngn hng Chnh sch x hi cng tip n nhiu t chc nh: Ngn hng Th gii (WB), Ngn hng pht trin Chu (ADB), Ngn hng Ti thit c (KfW), C quan Pht trin Anh (DFID), C quan pht trin Quc t Hoa K (USAID)... cc cuc gp g v tip xc ny l c hi Ngn hng Chnh sch x hi chia s thng tin v kinh nghim hot ng, ng thi tm kim cc c hi hp tc v ti tr.

QUN L D N NC NGOI

Chnh ph Vit Nam ni chung v Ngn hng Chnh sch x hi ni ring lun nh gi cao nhng n lc v ng gp ca cc nh ti tr trong thnh qu gim ngho v m bo an sinh x hi ti Vit Nam trong sut nhng nm va qua. Tuy Vit Nam chnh thc ra khi danh sch cc nc ngho nhng ngi ngho v i tng chnh sch ti Vit Nam vn lun rt cn nhng h tr hn na ca cc nh ti tr nhm gip h thot ngho bn vng v ci thin iu kin sng. Trong nm 2012, Ngn hng Chnh sch x hi tip tc thc hin hiu qu cc

many organizations such as the World Bank (WB), the Asian Development Bank (ADB), the German Bank for Reconstruction (KfW), the Department for International Develop-ment (DFID), and the United State Agency for International Development (USAID) etc, which are opportunities for VBSP to exchange information and working experi-ences, and more further to seek for potential collaboration and funding.

PROJECT MANAGEMENT

Vietnamese Government in general and VBSP in particular always highly ap-preciate the efforts and contributions from donors in poverty reduction and social welfare in Vietnam during the last years. Vietnam was officially removed from the list of poor countries; however, the poor and beneficiaries in Vietnam have still needed more support from donors to help them out of poverty sustainably and boost their living standards. In 2012, VBSP continued to effectively implement the projects and reached the expected ob-jectives of the donors. It confirms the fact that VBSP is a trustworthy bank in effectively implementating the entrusted capital sources.

1. The Forest Sector Development Project


d n ti tr v tng bc t c cc mc tiu ca nh ti tr, tip tc khng nh l a ch tin cy ca cc nh ti tr trong vic thc hin hiu qu cc ngun u thc.

1. D n pht trin ngnh lm nghip

Trong khun kh D n pht trin nghnh lm nghip gia Chnh ph Vit Nam v Ngn hng Th gii (WB), Ngn hng Chnh sch x hi tham gia thc hin hp phn trng rng sn xut vi mc tiu trng 56.000ha rng sn xut ti 4 tnh min Trung: Bnh nh, Qung Ngi, Qung Nam, Tha Thin Hu.

Nm 2005, Ngn hng Chnh sch x hi k Hip nh vay ph vi B Ti chnh tng ng 27,2 triu USD cho vay trng rng thng mi (trng rng sn xut) vi li sut 0,75%/nm.

Nm 2012, Ngn hng th gii ti tr b sung cho D n trng 25.000ha rng sn xut ti 06 tnh: Thanh Ho, Ngh An, Tha Thin Hu, Qung Nam, Qung Ngi, Bnh nh 2012 - 2015. Cc cu phn do Ngn hng Chnh sch x hi thc hin tr gi khong 13.273.000 USD gm vn tn dng u t trng rng, kinh ph mua xe ch tin v kinh ph o to trong nc.

D n n cui nm 2012 t gn 388 t ng vi tng s 15.003 khch hng cn d n.

Under the Forest Sector Support Program (FSSP) signed between the Vi-etnam Government and the World Bank (WB), VBSP is responsible for financ-ing Production Forest Plantation com-ponent. The goal of this component is to develop 56,000ha of production forest in four provinces of central Vietnam: Thua Thien Hue, Quang Nam, Quang Ngai and Binh Dinh.

In 2005, The Ministry of Finance (MOF), on behalf of Vietnamese Govern-ment, signed a sub-agreement with VBSP to give a sub-loan of USD 27.2 million for commercial forestation loans (production forestation) with the preferential lending rate of 0.75% per year.

In 2012, the WB gave the supple-mentary fund for this project to comple-ment 25,000ha of production forest planta-tion in 06 provinces, including Thanh Hoa, Nghe An, Thua Thien Hue, Quang Nam, Quang Ngai, Binh Dinh for the period of 2012 - 2015. The total capital allocated for VBSP is about USD 13,273,000, which is used for lending, for mobile banking vehi-cles, and for domestic training.

The total outstanding loans reached nearly VND 388 billion with 15,003 active borrowers.


2. D n a dng ha thu nhp nng thn tnh Tuyn Quang

Trong khun kh d n a dng ha thu nhp nng thn tnh Tuyn Quang (RIDP) gia Chnh ph Vit Nam v Qu pht trin Nng nghip Quc t (IFAD), Ngn hng Chnh sch x hi c Chnh ph cho vay li mt khon vay ph tr gi tng ng 1,43 triu USD vi li sut cho vay li l 0,75%/nm 2003 - 2022.

Mc tiu ca d n l ci thin tnh hnh kinh t - x hi ca cc nhm i tng d n l h ngho v cc h sn xut, kinh doanh nh; c s cung cp ging, vt t ti cc x vng II, III trong a bn d n. D n th nghim phng thc cho vay mi l cho vay bn bun thng qua cc nhm tit kim vay vn.

Tnh n cui nm 2012, d n ca d n l 24,5 t ng vi 670 khch hng cn d n.

3. D n cho vay doanh nghip va v nh (KFW)

Trong khun kh d n Chng trnh pht trin doanh nghip va v nh vay vn Ngn hng Ti thit c (KfW), Ngn hng Chnh sch x hi c Chnh ph Vit Nam chp thun cho vay li t ngun vay vn ca Cng ho Lin bang c thng qua Ngn hng Ti thit c (KfW). D n c

2. The Rural Income Diversification Project in Tuyen Quang province

Under an agreement between the Social-ist Republic of Vietnam and the International Fund for Agricultural Development (IFAD) to im-plement the Rural Income Diversification Project in Tuyen Quang province (RIDP), the Vietnamese Government gave VBSP a sub-loan of SDR 1,12 million (equivalent to USD 1,43 million) with the lending rate of 0.75% per year (2003-2022).

The project aims at socio-economic development of its target groups, who are the poor and small-scale business households, suppliers of seedlings and agriculture mate-rials at Region II and III in project area. New lending methodology of wholesale through the credit and savings groups is employed under the project.

By the end of 2012, the project had the total outstanding loans of VND 24.5 billion and 670 active borrowers.

3. Lending program for small and medium enterprises (KfW project)

Within the Small and Medium Enter-prises Development Programmes frame-work, VBSP was allowed by the Prime Min-ister to take out a loan of an amount equaling to EUR 10 million from the German Govern-


thc hin trong hai giai on vi tng s tin tng ng 10.000.000 EUR vi li sut cho vay li l 0,75%/nm v ph cam kt l 0,25%. Mc tiu ca d n l thit lp mt Qu cho vay quay vng h tr ti chnh cho cc doanh nghip va v nh ti 22 tnh, thnh ph. D n hin ti ca chng trnh l gn 176 t ng vi 515 khch hng cn d n l cc doanh nghip nh v va.

4. D n Ti chnh nng thn cho ngi ngho (OPEC)

Chnh ph Vit Nam cho Ngn hng Chnh sch x hi vay li ton b s vn vay tn dng tr gi 10 triu USD vi li sut cho vay li l 1%/nm t Qu pht trin quc t ca t chc cc nc xut khu du m (Qu OPEC) trong khun kh D n Ti chnh nng thn dnh cho ngi ngho vay vn trong khong thi gian t 1999 - 2016.

Mc tiu ca d n l: (i) H tr chng trnh tn dng xa ngho ca Vit Nam tng cng a v kinh t - x hi ca ngi ngho cc vng nng thn ti 20 tnh; (ii) Cng c v nng cao nng lc ca Ngn hng Chnh sch x hi trong vic cung cp dch v ti chnh cho ngi ngho.

Tnh n cui nm 2012, tng s khch hng d n l 1.061 h gia nh ngho vi tng d n t gn 8,2 t ng.

ment source, which is funded through the German Reconstruction Bank (KfW) in 2 phases with 0.75% interest rate and 0.25% commitment fees. The project aims at setting up a credit revolving fund to provide loans to small and medium enterprises (SMEs) in 22 project areas.Up to now, the total outstand-ing loans was nearly VND 176 billion and 515 active borrowers.

4. Fund for rural poor project (OPEC)

The Vietnamese Government lends the entire amount of USD 10 million with the in-terest rate of 1% per year from OPEC Fund to VBSP under Fund for rural poor Project period 1999-2016. The project aimed at two key objectives: (i) Supporting the poverty reduction credit pro-gram in Vietnam for strengthening socio-eco-nomic position of the rural poor in 20 provinc-es; (ii) Reinforcing and strengthening capacity of the Vietnam Bank for the Poor (now is the VBSP) in supplying the poor with financial ser-vices. By the end of 2012, the project report-edly had 1,061 active borrowers with total out-standing loans of over VND 8.2 billion. 5. Participatory Resources Man-agement Project in Tuyen Quang province (PRMP)


5. D n ton dn tham gia qun l ngun lc tnh Tuyn Quang

Chnh ph Vit Nam v Qu pht trin nng nghip quc t (IFAD) ng chuyn giao phn thc hin D n ton dn tham gia qun l ngun lc tnh Tuyn Quang vi tng s vn vay khong 3.724.000 USD cho Ngn hng Chnh sch x hi thc hin. Li sut cho vay li c tnh bng 2/3 ca hiu s gia li sut cho vay (bnh qun) ti h nng dn trong khu vc d n tr i tng chi ph nghip v v li nhun nh mc. Mc tiu ca d n l gp phn nng cao thu nhp v i sng ca nhng ngi dn tham gia d n c bit l nhng h nng dn ngho, dn tc thiu s, nhng ngi dn m trc cha c tip cn vi tn dng ngn hng.

Trong nm 2012, d n tip tc thc hin cho vay v thu hi n hiu qu. Tng d n ca d n t gn 44,5 t ng vi 3.538 khch hng d n.

6. D n Cho vay ngp nc ven bin min Nam Vit Nam (CWPD)

Ngn hng Chnh sch x hi nhn c mt phn ca khon vin tr DANIDA tr gi tng ng 650.000 USD t cu phn Qu h tr x hi (SSF) thc hin D n

The International Fund for Agricultural Development (IFAD) and the Government of Vietnam (GoV) has the consent to select VBSP to implement the Participatory Resources Management Project in Tuyen Quang province (PRMP) with an amount of USD 3,724,000. The interest rate is 2/3 of the calculated rate, which is equal to the average lending interest rate to VBSP borrowers minus the operation expenditure and the norm profit. The project has the goal to improving income and living standards of people in the project area, especially those who are the poor in ethnic communities and have limited access to banking services. In 2012, loan disbursement, principal and interest collection and fund revolving continued to be performed effectively and ef-ficiently. The total outstanding loans reached nearly VND 44.5 billion with 3,538 active borrowers.

6. Coastal wet land development project (CWPD)

VBSP received an amount from USD 650,000 of Supporting Social Fund of DA-NIDA grant to implement Coastal wet land development project (CWPD). The project objectives are to provide


Cho vay ngp nc ven bin min Nam Vit Nam (CWPD).

Mc tiu ca D n CWPD l cung cp cho h ngho vng d n khon tn dng nhm tr gip cc hot ng to thu nhp cho ngi vay nh: trng trt, chn nui, tiu th cng nghip, bun bn nh vi iu kin cc hot ng ny phi ph hp vi mc tiu chung ca d n l bo v rng ngp mn. Phm vi thc hin ca d n l ti 21 x ca 12 huyn ti 4 tnh: Tr Vinh, Sc Trng, Bc Liu v C Mau.

Kt qu thc hin d n tnh n 31 thng 12 nm 2012 l hn 3,2 t ng vi 694 khch hng cn d n.

7. D n khi phc v qun l rng bn vng KfW6

Trong khun kh d n khi phc v qun l rng bn vng cc tnh Qung Nam, Qung Ngi, Bnh nh v Ph Yn theo Hip nh ti chnh k gia Ngn hng Ti thit c v Chnh ph Vit Nam (d n KfW6), Ngn hng Chnh sch x hi m nhn phn m v qun l cc ti khon tit kim cho cc h gia nh v cng ng thn tham gia d n. Mi h tham gia d n nhn c mt khon tin h tr (khng hon li) qua ti khon ti Ngn hng Chnh sch x hi.

credit for the poor households in project area for income generation such as: plant-ing, animal husbandry, small scale in-dustry and small business that must be appropriate with the general target of wet forest protection. The project scope includes 21 communes of 12 districts in four provinces: Tra Vinh, Soc Trang, Bac Lieu and Ca Mau.

As of 31st December 2012, the total outstanding loans was VND 3.2 million with 694 active borrowers.

7. The Forestation and Sustainable Forestry Project (KfW6 Project)

Under the financial agreement signed between the German Reconstruction Bank (KfW) and the Socialist Republic of Vietnam to implement project the foresta-tion and sustainable forestry management of natural forests in Quang Nam, Quang Ngai, Binh Dinh and Phu Yen, VBSP takes charge of opening and managing deposit accounts for farming households and rural communities in the project ar-eas. Each project beneficiary receives a non-refundable grant through the deposit account opened at VBSP district office.

It aims to support the forestation an sus-tainable forestry management of 32,700 hec-


Mc tiu chung ca d n l h tr khi phc bn vng cho khong 32.700ha din tch rng t nhin hn hp ti 4 tnh thc hin d n. Tng tr gi ti tr cho cc hp phn ca d n l 3.712.710 EUR

Trong nm 2012, Ngn hng Chnh sch x hi phi hp vi cc bn lin quan thc hin chuyn thm gn 10 t ng cho cc tnh thc hin d n, tip tc m thm v qun l 1.540 ti khon trong tng s 14.640 ti khon cho khch hng th hng.

tare of natural forests in 4 project provinces. The total grant value for KfW6 projects com-ponents is EUR 3,712,710.

In 2012, VBSP closely collaborated with relevant organizations to transfer an ad-ditional amount of VND 10 billion into the ac-counts of project beneficiaries at VBSP branch-es, opened and managed 1,540 new deposit accounts out of 14,640 current accounts for project beneficiaries.

8. Project on providing microfi-


8. D n cung cp dch v th im ti chnh vi m v to vic lm cho ngi sng chung v chu nh hng bi HIV/AIDS v ngi sau cai nghin ma tu

D n th im do Qu cu tr Chnh ph M (USAID) ti tr 100% vn cp pht khng hon l 49.900 USD thng qua T chc sc khe gia nh quc t (FHI) ti 03 qun ca Thnh ph H Ch Minh. Tng s tin ti tr l 94.500 USD, trong h tr k thut: 27.500 USD, vn tn dng: 67.000 USD.

D n cng nhn c s quan tm, h tr t UBND Thnh ph H Ch Minh vi s tin h tr 7,5 t ng tip tc trin khai m hnh d n ra mt s qun khc trn a bn thnh ph. Kt thc d n c 88 i tng c th hng (thng 8 nm 2012). D n ang c cc bn tham gia nghin cu m rng mt s a phng khc.

9. D n Ford II - Nng cao nng lc cho Ngn hng Chnh sch x hi qua pht trin k nng qun l, pht trin dch v kiu hi v nghin cu kh nng ng dng cc ch s nh gi mc gim ngho ca Ngn hng Chnh sch x hi.

nance services for HIV-infected and af-fected people and former drug users.

The pilot project is funded by Unit-ed States Agency for International Devel-opment (USAID) with a non-refundable amount of USD 49,900 through Family Health International (FHI). The project is piloted in three districts of Ho Chi Minh city. The total amount of support was USD 94,500, in which, USD 27,500 for technical assistance and the rest for lending.

The project also received attention and support from the Peoples Committee of Ho Chi Minh City with the amount of VND 7.5 billion to replicate the model in other districts in the city.

By the end of the project, there have been 88 borrowers (August 2012). Project stakeholders are considering to scale up the model in other areas.

9. Project Ford II - Strengthening capacity of the Vietnam Bank for So-cial Policies through improving skills of district branch management, piloting a new overseas remittance service in rural communes and testing the Progressive Poverty Index as a targeting and evalu-ation tool


T thnh cng ca m hnh th nghim cung cp dch v chi tr kiu hi ti im giao dch x theo nh k ti tnh Thanh Ho trong khun kh d n pht trin sn phm mi do qu Ford Foundation ti tr, trong nm 2012, Ngn hng Chnh sch x hi xem xt nhn rng m hnh chi tr kiu hi ti 52 tnh thng qua vic thc hin i l ph chi tr kiu hi Western Union c k vi Ngn hng u t v Pht trin Vit Nam (BIDV).

10. D n m rng tip cn ti chnh cho ngi khuyt tt - ti tr quy m nh cho cc c s sn xut, kinh doanh s dng, phc v hoc do ngi khuyt tt lm ch

D n do Qu NIPPON - Nht Bn ti tr vi tng s tin ti tr l 600.000 USD, trong : 450.000 USD dng cho Qu quay vng cung cp cc khon vay ti chnh vi m cho cc c s sn xut, kinh doanh c s dng, phc v hay do ngi khuyt tt lm ch; 150.000 USD dnh cho hot ng o to ngi vay v cn b Ngn hng Chnh sch x hi.

D n c thc hin th im ti Thnh ph Nng vi mc tiu chnh l h tr cc c s sn xut, kinh doanh vi m c s dng, phc v hoc do ngi khuyt tt lm ch ngi khuyt tt c th khi nghip v m rng cng vic sn xut, kinh doanh nhm to thu nhp bn vng v c s c lp v kinh t.

Only after the success of pilot model of providing remittance service at mobile transaction points in Thanh Hoa province, in the framework of new product development funded by the Ford Foundation, in 2012, VBSP has decided to scale up the overseas remittance service in 52 provinces under the Western Union sub-agent agreement signed with the Bank for Investment and Develop-ment of Vietnam (BIDV).

10. Project: Inclusive finance: Small finance for businesses employing, serving or owned by persons with disabilities.

The project is funded by the Nippon Foundation of Japan with a total grant amount of USD 600,000, of which USD 450,000 for the revolving fund to provide mi-cro loans for businesses employing, serving or owned by persons with disabilities; USD 150,000 for training to VBSP loan officers and borrowers.

The project has been piloted in Da Nang city at the aim of supporting micro businesses employing, serving or owned by persons with disabilities to start and expand business, to create sustainable income and economic independence.

11. Project Give subsidies to VBSP to mobilize funds for its rural water supply and sanitation lending program funded


11. D n ti tr chi ph huy ng vn v cho vay Chng trnh Nc sch v v sinh mi trng nng thn ca Ngn hng Chnh sch x hi bng ngun vn ODA ca C quan Pht trin Vng Quc Anh (DFID)

Trong khun kh h tr ca cc nh ti tr h tr ngn sch chng trnh mc tiu i vi Chng trnh mc tiu Quc gia v Nc sch v v sinh mi trng nng thn, DFID ti tr cho Ngn hng Chnh sch x hi 4 triu Bng Anh tng ng 6 triu la M ng gp vo h tr cp b ca Chnh ph cho Ngn hng Chnh sch x hi huy ng ngun vn tng thm cho vay chng trnh ny theo quy nh hin hnh ca Ngn hng Chnh sch x hi trong giai on 2012 - 2013. u tin ca khon h tr ny dnh cho h ngho, c bit l h dn tc thiu s, vay vn lm nh v sinh.

n thng 12 nm 2012, hn 32 t chi ph b p to ra khong hn 900 t ng d n cho vay nc sch v v sinh trong 7 thng cui nm 2012.

12. D n h tr k thut V sinh h gia nh: gn kt nhu cu ca ngi dn vi h tr vay vn u i do C quan Pht trin Vng Quc Anh (DFID) ti tr

by ODA source of the UK Department for International Development (DFID)

Under the support of the target program budget support (TPBS) donors for the National Target Program on ru-ral water supply and sanitation (RWSS), DFID funded VBSP 4 million (equiva-lent to USD 6 million) to contribute to the Government subsidies for VBSP period 2012-2013, in order to increase funds for RWSS lending program in accordance with the banks current mechanism. This support prioritises the lending to the poor households, especially ethnic minority households, to build latrines.

By December 2012, more than VND 32 billion of subsidies generated more than VND 900 billion of outstand-ing loans of RWSS program for the last 7 months of 2012.

12. Technical assistance project Rural household sanitation: Linking de-mand with supply financed by the De-partment for International Development (DFID)

DFID funded USD 410,000 for the Ministry of Health and VBSP to carry out the technical assistance project, namely Rural household sanitation: Linking de-


DFID ti tr 410.000 USD cho B Y t v Ngn hng Chnh sch x hi thc hin d n h tr k thut V sinh h gia nh: Gn kt nhu cu ca ngi dn vi h tr vn vay u i. Cc hot ng o to, tp hun v truyn thng ca d n nhm tng t l h ngho v h cn ngho vng nng thn c vay vn Ngn hng Chnh sch x hi xy dng v s dng nh tiu hp v sinh ti 5 tnh: Ho Bnh, Ph Th, H Tnh, An Giang v Kon Tum.

mand with supply. The training and com-munication activities of the project are implemented to increase the percentage of the poor and near-poor households in rural areas borrowed money from VBSP to build and use hygienic latrines in 5 prov-inces, including Hoa Binh, Phu Tho, Ha Tinh, An Giang and Kon Tum.


Deploying the information technology modernization project and developing application software

Pht trin Ngn hng Chnh sch x hi theo nh hng tr thnh ngn hng hin i, hi nhp vi h thng ngn hng trong khu vc v trn th gii l mc tiu c th trong Chin lc pht trin Ngn hng Chnh sch x hi giai on 2011 - 2020 c Th tng Chnh ph ph duyt. V vy, trong nm 2012, Trung tm Cng ngh thng tin tip tc tp trung cao sc lc v tr tu trin khai d n Nng cp, hin i ha tin hc trong h thng Ngn hng Chnh sch x hi bn cnh vic cp nht, nng cp v bo tr h thng phn mm hin c nhm h tr cc hot ng nghip v, m bo cc giao dch nghip v khng b gin on.

Developing VBSP towards social orientation to become a modern bank and to integrate into banking system in the region and the world is a spe-cific target in the development strategy of VBSP during the stage of 2011 - 2020 which was approved by the Prime Minister. Thus, in 2012, the Information Technology Center continued to mobilize all resources to carry out the project Upgrading and moderniza-tion of information systems of VBSP be-side simultaneously updating, upgrading and maintaining the existing software sys-tems to support operation and ensure unin-terrupted transactions.


I. NHNG KT QU T C

1. Duy tr cc cng vic thng xuyn - Cp nht v nng cp cc chng trnh KTGD, GDXA, TTBC kp thi 5 Quyt nh v 18 Vn bn ch o nghip v ca Tng gim c vi 11 phin bn; Tip tc h tr, bo tr vn hnh h thng thanh ton ni, ngoi tnh; chng trnh Qun l nhn s, Website Ngn hng Chnh sch x hi. - Xy dng v trin khai thnh cng phn mm Truyn file Transfer qun l vic truyn nhn file qua h thng mng Ngn hng Chnh sch x hi, m bo s liu kp thi h tr cng tc qun l iu hnh. - Xy dng k hoch, trin khai thnh cng v a vo s dng chng trnh Qun l hnh chnh n 63/63 chi nhnh. Tip nhn, theo di v qun tr h thng qun l hnh chnh do cng ty ISE bn giao. - Bo tr v phi hp bo tr h thng thit b tin hc trn ton quc; H tr, tham mu cc Ban chuyn mn nghip v ti Hi s chnh v mua sm trang thit b cng ngh thng tin. - Thay th, bo tr v nng cp cc my ch p ng nhu cu s dng nh: My ch Mail, my ch mng LAN v Backup, my ch chuyn tin in t ngoi tnh, my ch Website. - Duy tr v vn hnh h thng mng LAN n nh, m bo h thng mng lun

I. THE ACHIEVEMENTS

1. Maintain regular tasks - Timely updating and upgrading the programs of transaction accounting, com-munal transaction, information reporting with 11 versions following 05 promulgated decisions and 18 professional directions of the General Director ; Supporting and maintaining the operation of internal and inter-province payment system , Human re-source management program, and the web-site of VBSP. - Developing and deploying success-fully the software of File Transfer to manage and transfer files via VBSPs net-work in order to ensure timely data to sup-port the executive management. - Mapping plan and deploying suc-cessfully the Administration management program to 63/63 branches. Monitoring and managing the administration manage-ment system transferred by ISE company. - Maintenance of information technol-ogy equipments throughout the whole opera-tion network, supporting and advising func-tional departments at the Headquarters on equipping information technology facilities. - Replacing and upgrading servers to meet users demands, such as Mail server, Backup and LAN server, inter-province e-money transfer system server, and Website server.


sn sng v an ton. Qun l cc vn bn, ti nguyn trn my ch truyn file. - Gim st, kim tra, x l s c h thng mng WAN kp thi, vn hnh hiu qu, m bo hot ng n nh.

2. Trin khai phn mm ng dng ngn hng Ngay sau khi hp ng gi thu Mua sm phn mm ng dng thuc d n Nng cp, hin i ha tin hc trong h thng Ngn hng Chnh sch x hi c k kt, Trung tm Cng ngh thng tin tp trung nhn lc tham gia xy dng cc ti liu xc nhn yu cu sn phm (PAD) vi nh thu, ng thi trin khai cc cng vic cn thit sm a phn mm ng dng ngn hng vo s dng chnh thc nh: - Hon thin vic xy dng v trin khai, o to cn b chi nhnh vn hnh phn mm chuyn i s liu DMS, p ng yu cu tng hp v kim tra d liu chuyn i trung gian ca chi nhnh chun b a d liu vo phn mm Corebanking. - Xy dng phn mm h tr ghi nhn li trong qu trnh kim th chp nhn ngi dng UAT. - Thnh lp on cng tc kim th phn mm ng dng ti nc cng ha n trao i, lm r cc yu cu logic trong x l nghip v vi nh thu. - Tng hp danh sch cu hnh sn phm tin vay theo ngun vn Trung ng

- Maintaining and operating LAN system stably, ensuring the network to be always secured and available. Managing documents and resources on the file trans-fer server. - Monitoring, testing, troubleshoot-ing WAN system timely to ensure stable and efficient operation.

2. Deploy Banking Applica-tions Software Right after the contract of the pack-age Purchasing applications software, under the project of Upgrading and modernization of information systems of VBSP was signed, the Information Tech-nology Center focused its personnel to participate in building the Product Adop-tion Document (PAD) with the contractor, and fulfil necessary tasks to ensure soon Go-live of the banking application soft-ware , such as: - Complete development and deploi-tation of training branch staff to operate data migration software DMS, in respond to requirements of synthesizing and testing intermediate data of the branch to prepare for data migration into the Core Banking software. - Developing the software to support recognition of error during user acceptance testing (UAT). - Establishing VBSPs team to test


v ngun vn do a phng nhn y thc lm c s chuyn i s liu v chuyn cho nh thu cu hnh h thng phc v giai on kim th v chy gi lp, ng thi m bo phn mm Corebanking hot ng tt khi a vo vn hnh. - Phi hp vi nh thu hon thin cu hnh cc tham s h thng, xy dng mi trng kim th UAT, mi trng o to i i vi vic tip nhn o to v chuyn giao h thng t nh thu - Thc hin kim th UAT trn cc chc nng tng ng vi yu cu nghip v theo ti liu xy dng.

3. Trin khai h thng mng - Trin khai ng Metronet kt ni trc backbone gia 03 Trung tm khu vc, ng Leaseline c thng lng thp c cu hnh lm ng truyn d phng, gp phn nng cao nng lc v kh nng d phng ca h thng mng. - Chuyn t ng quay s (Dial up) sang ng Metronet i vi ng truyn thng kt ni sang Ngn hng Nh nc, p ng yu cu bo co v thanh ton lin ngn hng. - Hon thnh trin khai h tng mng Metronet ngoi tnh tc cao trn ton quc, thay th cho ng truyn Megawan. - Tip nhn bn giao, tham gia ci t v chuyn thit b v cc chi nhnh trong ton h thng i vi gi thu Mua sm thit b v xy dng mng truyn thng.

the application software in the Republic of India to discuss and clarify the require-ments for handling business logically with the contractors. - Gathering the list of loan product configuration, in terms of products that re-ceive funding from the Central funds and that from local funds to serve data conver-sion and to transfer to the contractor for configuring the system for testing and vir-tual operation, and ensuring the Corebank-ing software to work well after go live. - Coordinating with contractors to complete the configuration of system pa-rameters, create the environment for UAT and training, and receive training and sys-tem transfer from the contractor.- Perform-ing UAT on the functions which were re-quired for VBSPs banking operations.

3. Deploy network system - Implement the MetroNet network to connect Backbone axle among the 03 region-al centers, the old Leaseline with low capac-ity is configured as backup links which con-tribute to improving the capacity and backup archiving of the network. - Switching from dialup connection (Dial up) to the MetroNet Communications in the connection to the State Bank of Viet-nam, to meet reporting requirements and in-terbank payments. - Completing the deployment of the Met-


4. Trin khai h thng my ch - Tham gia chun b cc th tc k kt hp ng vi nh thu, chun b tip nhn bn giao ci t v nghim thu i vi gi thu Mua sm my ch, cc thit b tin hc v phn mm tiu chun v gi thu Thu a im t my ch v cc thit b tin hc. - Thc hin mua sm 11 my ch chuyn tin in t theo thng bo vn ca Tng gim c cho cc chi nhnh di hnh thc u thu rng ri.

5. Cng tc o to, nghin cu khoa hc - Xy dng k hoch, ti liu o to, chng trnh tp hun v trc tip tp hun cho 63/63 n v trn ton quc v cng tc chun ha v chuyn i d liu. - Phi hp vi nh thu t chc o to 6 lp tiu gio vin thuc D n hin i ha tin hc vi tng s 205 hc vin n t 63 n v trn ton h thng. - T chc 01 lp o to cho tng s 12 hc vin l cn b Trung tm Cng ngh thng tin v cn b Ngn hng Chnh sch nc Cng ha dn ch Nhn dn Lo v qun tr c s d liu. - Hon thnh ti nghin cu khoa hc cp Trung ng m s DKH03A-2012 Xy dng chng trnh truyn nhn file d liu trong h thng Ngn hng Chnh sch x hi. - Thc hin ti nghin cu khoa

roNet network with high speed across the coun-try, replacing the transmission MegaWAN. - Taking over, installing and transport-ing equipments to all branches under the bid-ding package Procurement of equipments and building communication networks.

4. Deploying server system - Participating in the preparation for signing contracts with the contractor, preparing to take over installation and ac-ceptance of the package Procurement of servers, computer equipments and standard software and package Leasing location for servers and IT equipments. - Purchasing 11 servers for electronic money transfer system based upon the funds approval of the General Director for the branches, in the form of open tendering.

5. The training, scientific research - Developing plans, training materi-als, training programs and directly providing training for 63/63 branches over the country on the standardization and data conversion. - Coordinating with the contractor to hold 6 TOT classes with a total of 205 trainees from 63 branches throughout the system. - Organize 01 training course for 12 trainees of the Information technology center and staff of the Policy Bank of Lao PDR on database administration. - Completing the scientific research


hc cp Trung ng m s DKH04A-2012 Xy dng chng trnh qun l bo hnh, bo tr ti sn, cng c.

II. K HOCH, NHIM V NM 2013

1. Mc tiu - Xy dng h tng cng ngh thng tin ng b, hin i p ng nhu cu pht trin ca Ngn hng Chnh sch x hi. - Nng cao nng sut lao ng, gim cng lm vic cho cn b, tng hiu qu x l nghip v. - T chc tt vic thu thp, x l, lu tr thng tin phc v cng tc qun l, ch o iu hnh.

2. Nhim v - Tham mu cho Hi ng qun tr v Ban Tng gim c v ng dng cng ngh thng tin vo cc hot ng nghip v v cng tc qun l, iu hnh. - Thc hin trin khai thnh cng d n Nng cp, hin i ha tin hc trong h thng Ngn hng Chnh sch x hi, c th l cc gi thu Mua sm phn mm ng dng, Mua sm thit b v xy dng mng truyn thng, Mua sm my ch, cc thit b tin hc v phn mm tiu chun v gi thu Thu a im t my ch v cc thit b tin hc. - Xy dng, nng cp cc phn mm ng dng h tr p ng cc vn bn nghip

at central level, code DKH03A-2012 Build-ing the program for file transfer throughout VBSP system. - Performing the scientific research at central level code DKH04A-2012 Design-ing the administration management program for warranty and maintenance of assets and working facilities.

II. PLAN AND TASK OF THE YEAR 2013 1. Target - Develop a synchronous and mod-ern information technology infrastructure to meet the development requirements of VBSP. - Improve productivity, reduce inten-sity of work for staff, and increase efficiency of operation. - Ensure effective and efficient col-lection, processing and storage of informa-tion for management and governance. 2. Task - Consult to the Board of Management and the Board of Directors in application of information technology in business opera-tions and management and governance. - Implement successfully the project Upgrading and modernization of informa-tion systems of the VBSP, specifically the package Procurement of application soft-ware, Procurement of equipments and building communication networks , Pro-


v ca Ngn hng Chnh sch x hi. - Tng cng cc gii php bo mt trn mng WAN m bo an ton, an ninh mng. - Theo di, qun l trang thit b trong ton h thng. Xy dng k hoch mua sm trang thit b tin hc cho ton h thng p ng nhu cu hot ng trong giai on mi vi quy m ngy cng m rng. - Xy dng cc trung tm d liu; cc c s d liu Hi s chnh v c s d liu d phng m bo lu tr thng tin in t, chng t in t v cc thng tin cn c lu tr phc v cho cc mt hot ng ngn hng.

3. Gii php thc hini vi Ngn hng Chnh sch x hi

- Ch o quyt lit cc n v tp trung mi ngun lc y nhanh tin , trin khai thnh cng d n Nng cp, hin i ha tin hc trong h thng Ngn hng Chnh sch x hi. - Trin khai k hoch o to kin thc cng ngh thng tin cho ngi s dng v nng cao trnh i ng cn b chuyn trch cng ngh thng tin, m bo nng lc tip nhn chuyn giao cng ngh mi, c kh nng qun l, vn hnh v bo tr h thng. - Thng xuyn pht ng cc phong tro thi ua, kp thi khen thng ng vin

curement of servers, computer equipments and standard software and the package Leasing location for servers and IT equip-ments. - Develop and upgrade the applica-tion software to meet the professional written requirements of VBSP. - Enhance security measures for the WAN network. . - Monitoring and management of equipments in the system. Develop the pro-curement plan for IT equipments of the whole network to meet the operational requirements of the new stage with ever-expanding scale. - Construction of the data center, the database at the Head Office and database backup to ensure storage of electronic infor-mation, electronic documents and essential information for the activities of the bank.

3. Solutions for implementation For the VBSP - Require VBSPs branches to focus all resources on accelerating progress and implementing successfully the project Up-grading and modernization of information systems of the VBSP. - Provide training on information technology for users and improve the qual-ity of staff in charge of information technol-ogy, to ensure sufficient capacity to take over new technology transferred and to effectively manage, operate and maintain the system.


cc cn b hon thnh xut sc nhim v.

i vi Trung tm Cng ngh thng tin - Thng xuyn v ch ng nm bt cc thay i nghip v t cc Ban chuyn mn nghip v ti Hi s chnh, kin ngh ca cc chi nhnh nghin cu, nng cp cc phn mm ng dng, h thng cng ngh thng tin hin ti v c gii php h tr kp thi. - Phi hp vi Ban d n trin khai cc cng vic lin quan n h thng mng, my ch, phn mm giao dch, ng thi tip nhn chuyn giao cng ngh t pha nh thu h tr vn hnh, bo tr h thng. - Xy dng gii php pht trin phn mm Thng tin bo co ph hp vi c s d liu tp trung v nn tng truyn thng mi, p ng cung cp nhanh chng v chnh xc s liu phc v yu cu qun tr v ch o iu hnh. - Kho st nhu cu o to, trnh Tng gim c ph duyt kinh ph cho cn b Trung tm Cng ngh thng tin, cn b tin hc cc chi nhnh tham gia cc kha o to chuyn su, sn sng cho vic tip nhn h thng mi. - Thng xuyn pht ng cc phong tro thi ua ti n v, t chc bnh xt cc danh hiu thi ua v c hnh thc khen thng kp thi, ng vin cn b phn u hon thnh tt nhim v c giao.

- Regularly launching emulation movements, timely rewarding staff completed their tasks perfectly. For the Center for Information Technology - Frequently and actively update busi-ness changes from the functioning depart-ments at the Head Office, proposals from branches to study and upgrade the existing application software, information technol-ogy system and work out timely solutions. - To coordinate with the Project Man-agement Unit to implement tasks related to network systems, servers, transaction soft-ware, and acquire the technology trans-ferred from the contractor to support opera-tions and maintenance of the system. - To develop solutions for Reporting information software in accordance with the centralized database and new media plat-forms; provide quick response and accurate data required for management and govern-ance. - To assess training needs, to ask for approval of the General Director on provid-ing intensive training to staff of IT center, IT staff of branches to be ready for the new system - Regularly launched the emulation movements at IT center, selected eligible officers to receive titles of commendation, timely rewarded and motivated staff fulfilled the assigned tasks well.


o to v nghin cu khoa hc l mt trong nhng gii php quan trng hng u thc hin chin lc pht trin ngun nhn lc ni ring, chin lc pht trin bn vng Ngn hng Chnh sch x hi ni chung. Nm 2012, c s quan tm, to iu kin ca Hi ng qun tr, Tng gim c, cng tc o to v nghin cu khoa hc thu c nhng kt qu ng k, gp phn vo thnh tch chung ca ton h thng.

V CNG TC O TO

Trong nm 2012, Ngn hng Chnh sch x hi tp trung thc hin mt s chng trnh o to cho cc i tng ch yu sau y: Th nht, o to cn b lnh o qun l v cn b chuyn mn nghip v ca chi nhnh Ngn hng Chnh sch x hi c cht lng tn dng thp: y l chng trnh o to mi bt u c trin khai trong nm 2012. Trung tm o to ch tr, phi hp vi Ban Tn dng ngi ngho, Ban Qun l v x l n ri ro v Trung tm Cng ngh thng tin bin son ti liu o to ph hp vi tng khu vc c th. Ni dung o to c thit k theo 2 nhm i tng: nhm cn b lnh o qun l c s (Gim c, Ph gim c Phng giao dch cp huyn; Trng phng, Ph Trng phng chi nhnh cp tnh) v nhm cn b

T raining is always considered as one of the most important tools to im-plement the development strategy of human resources of VBSP in particular and the strategy for sustainable develop-ment of VBSP in general. In 2012, thanks to the concern and support of the Board of Directors and the Board of Management, the training and scientific research activi-ties of VBSP have had noticeable achieve-ments, in contribution to the success of the whole system.

TRAINING

In 2012, VBSP focused on imple-menting a number of training programs for the following target groups: Firstly, the training to management officers and key staff of branches with bad credit quality: this new training program was launched in 2012. The Training Cent-er has taken the chair and coordinated with the credit department for the poor, the department for managing and handling non-performing loans and the Information Technology Center to compile training ma-terials of particular fields. Training content was designed for 02 target groups, including: the group of management officers (directors and depu-ty directors of district transaction offices; heads and deputy heads of functioning de-


chuyn mn nghip v (cn b tn dng, cn b k ton). V phng php o to: cc ging vin vn dng phng php o to linh hot, kt hp gia thuyt trnh v t nhng cu hi, nu cc tnh hung cng tho lun. Vn dng k nng thuyt trnh hc vin trnh by ngay nhng tnh hung gp phi trong qu trnh thc hin nhim v ti n v, trn c s nh gi k nng thuyt trnh v tho lun nhng tnh hung c th xy ra, nht l i vi nghip v x l n. Kt qu o to: t chc 16 lp cho 645 hc vin ca 18 chi nhnh c xy dng n nng cao cht lng hot ng. Cui kha t chc thi nh gi v xp loi mt cch nghim tc: loi Gii chim 26,67%;

partments at provincial branches) and key staff (loan officers and accountants). Regarding training methods, the trainers have applied flexibly training methods, which are combined of presenta-tion, discussion and case study. When the trainees apply their presentation skills to play-act the situations in reality, their kills will be assessed and some situations likely to happen, especially in debt settlement, will be discussed. Training results: Holding 16 classes for 645 trainees of 18 branches which con-structed the projects to boost the quality of operations. By the end of the course, the final exams were held seriously: Excellent accounted for 26.67%, 61.86% of Good,


loi Kh chim 61,86%; loi Trung bnh chim 10,85%; loi Yu km chim 0,62%. Th hai, o to cn b mi tuyn dng: Ngn hng Chnh sch x hi t chc thnh cng 03 lp o to cho cn b mi tuyn dng vi tng s 117 hc vin trong ton quc. Kt qu: loi Gii chim 50,43%; loi Kh chim 46,14%; loi Trung bnh chim 3,43% Chng trnh o to gm 2 phn l thuyt v thc hnh. o to l thuyt c thc hin ti cc c s o to bao gm cc ni dung v kin thc chung, nghip v tn dng, k ton ngn qu v tin hc. Ti liu ging dy cho hc vin mi tuyn dng do Trung tm o to son tho. Phng php ging dy thng xuyn i mi nng cao cht lng ging dy v c hc vin nh gi cao. o to thc hnh c thc hin ti cc Phng giao dch di s hng dn ca cc cn b c kinh nghim nhm vn dng l thuyt vo cc hot ng nghip v c th. V phng php o to: Hu ht i tng o to ca Ngn hng Chnh sch x hi l cc cn b tri nghim qua thc tin cng tc. V vy, phng php ch yu c Trung tm o to p dng trong cc kha o to l: Phng php ly ngi hc lm trung tm. Phng php ny kt hp thuyt trnh vi cc bi tp tnh hung, bi tp thc hnh, tho lun nhm, c lng ghp mt s tr chi to mi trng hc tp nng ng,

10.85% of Average, 0.62% of Weak. Secondly, the training for newly-recruited staff: VBSP has successfully organized 03 training courses for 117 newly-recruited staff nationwide. Re-sults as follows: Excellent accounted for 50.43%; 46.14% of Good and , 3.43% of Average. The training program consists of 2 parts, including theory and practice. The trainees study theory on general knowledge, credit, accounting, treasury and IT at training units. The training materials are compiled by the Training Center. The training methods are frequently innovated and upgraded to improve the training qual-ity, which are also highly appreciated by the trainees. Practical training is done at the dis-trict transaction offices, where they apply theory to specific operations with the sup-port and guidance of experienced staff. Training method: As most of training targets have certain working experiences, the main method applied is Learner-cen-tered Teaching. This method is combined of presentation, practical exercises, case studies, group discussion, which incorpo-rated a number of games to create exciting learning environment, stimulate the partici-pation of learners in the training process to help them absorb the knowledge and work-ing skills at best.


kch thch s tham gia ca ngi hc vo qu trnh o to nhm gip hc vin tip thu tt ni dung bi hc v c c cc k nng lm vic sau kha o to.

V CNG TC NGHIN CU KHOA HC Cng tc nghin cu khoa hc nm 2012 t c mt s kt qu ng khch l. Trong nm, ton h thng trin khai nghin cu 8 ti khoa hc, trong c 6 ti cp Trung ng v 2 ti cp c s. T chc nghim thu 3 ti cp Trung ng v 1 ti cp chi nhnh. Trung tm o to trc tip trin khai thc hin v bo v thnh cng D n nghin cu khoa hc nh hng ca Chng trnh cho vay h ngho n i sng ca ngi dn vng nng thn v bo v thnh cng ti Hi ng nghim thu Ngn hng Nh nc, t loi: Gii. Hi ng khoa hc thm nh, nh gi 406 sng kin nm 2011 v 395 sng kin nm 2012 cho cc c nhn v tp th lm cn c Hi ng thi ua xt khen thng v phc v thi nng ngch lng cho cn b.

NH GI KT QU CNG TC O TO V NGHIN CU KHOA HC NM 2012

Th nht, cc kha o to gp phn quan trng vo vic nng cao cht lng

THE SCIENTIFIC RESEARCH ACTIVITY

Scientific research activity in 2012 achieved such significant results. During the year, the whole bank deployed eight scientific researches, including six re-searches at central level and two at branch level. The Training Center completed procedures to accept three researches at central level and one at branch level. The Training Center directly implement-ed the scientific research The impact of poor household lending program on lives of rural people and successfully got the acceptance of the Scientific Council of the State Bank of Vietnam, marking Excellent. The Scientific Council appraised and evaluated 406 initiatives of the year 2011 and 395 ones of the year 2012 for individu-als and groups. These results are used as the basis for the Board of emulation and com-mendation to consider commendations and salary upgrading examination.

ACHIEVEMENTS OF TRAINING AND SCIENTIFIC RESEARCH IN 2012 First of all, the training activities have contributed significantly to the im-provement of human resources quality in the whole system. Working skills of management of-ficers, professional staff at all levels were


ngun nhn lc trong ton h thng Ngn hng Chnh sch x hi. K nng lm vic ca cn b lnh o qun l, cn b chuyn mn nghip v cc cp c ci thin ng k. Cc cn b mi tuyn dng vo Ngn hng Chnh sch x hi sau khi c o to v a phng c th thc hin ngay cc phn hnh nghip v c giao. Th hai, thng qua vic t chc cc kha o to, nng lc cn b ca Trung tm o to c tng cng. Vic t chc cc kha o to i vo n np v c rt c nhiu kinh nghim v k nng ging dy trn lp. Cng tc t chc thi, kim tra ngy cng c hon thin t khu ra , chm thi v t chc thi, m bo nghim tc, cng bng, cng khai. Th ba, chi nhnh Ngn hng Chnh sch x hi cc tnh, thnh ph c nhiu c gng thc hin k hoch o to c duyt: c y cn b tham gia cc lp o to do Trung tm o to t chc v t chc tt cc lp tp hun cho cn b hi, Ban qun l T tit kim v vay vn v cn b Ban gim ngho cp x. Th t, cng tc nghin cu khoa hc c nhng chuyn bin tch cc: vic ph duyt cc ti nghin cu khoa hc v thm nh cc sng kin ci tin trong cng vic dn i vo n np. Cc vn bn quy nh cng tc t chc v qun l nghin cu khoa hc c hon thin.

significantly improved. The newly-recruited staff after practical training at branches can practise their knowledge in their daily as-signed tasks. Secondly, thanks to these training cours-es, the capacity of staff at the Training Center have been enhanced. The organization of train-ing courses has been put into order and many training experiences and skills are collected.The examination process is further improved in pre-paring exam question papers, marking exam pa-pers and organizing the exam to ensure fairness and transparency. Thirdly, VBSPs branches have made efforts to implement the training plan ap-proved: Sending its staff to participate in training courses held by the Training Center; Organizing training courses for its staff, the management board of the savings and credit groups and staff of the commune-level pov-erty reduction boards. Finally, scientific research activity has positive changes: the approval of scien-tific researches and the appraisal of inno-vations have been gradually put into place. The documents guiding the organization and management of scientific research activities have been completed.


Bo co ti chnh c trnh by bng ng Vit Nam, p dng ch k ton do Ngn hng Nh nc Vit Nam cng b ph hp vi chun mc k ton Vit Nam v cc nguyn tc k ton c chp nhn chung ti Vit Nam, quy ch qun l ti chnh Ban hnh theo Quyt nh s 180/2002/Q-TTg ngy 19/12/2002 ca Chnh ph v Thng t s 24/2005/TT-BTC ngy 01/4/2005 ca B Ti chnh v Hng dn thc hin Quy ch qun l ti chnh i vi Ngn hng Chnh sch x hi ban hnh km theo Quyt nh s 180/2002/Q-TTg ngy 19/12/2002 ca Th tng Chnh ph.

Nm ti chnh ca Ngn hng Chnh sch x hi bt u t ngy 01/01 v kt thc vo ngy 31/12 dng lch.

MT S NGUYN TC CH YU

1. Thu nhp Thu nhp ca Ngn hng Chnh sch x hi l ton b cc khon thc thu pht sinh trong hot ng nghip v v hot ng khc.

2. Chi ph Chi ph l cc khon chi ph hp l trong k.

3. Chuyn i ngoi t Cc nghip v pht sinh bng ngoi t c chuyn i sang ng Vit Nam theo t

Financial statements are presented in Vietnam Dong (VND), adopting the accounting regime stipulated by the State Bank of Vietnam (SBV), in consistent with Vietnams Accounting Standard and ac-counting principles generally accepted in Vi-etnam, with the financial management regu-lation issued in connection with Decision No 180/2002/QD-TTg by the Prime Minister on 19th December, 2002, and with Circulars No. 24/2005/TT-BTC, dated September 1st, 2005 by Ministry of Finance providing guid-ance on VBSPs financial management regu-lation, which was issued in connection with Decision No 180/2002/QD-TTg

bao cao thuong nien nam 2012

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