Kh6i. Ngoai ra HDQT dil thanh l?p 10 Dy ban chuyen trach v~ cac mang CDyban

Chi~n hroc, Dy ban Kinh doanh, Dy ban D6i ngoai, Dy ban Tin dung, Dy ban Xir

ly rui ro va Xir ly no, Dy ban Nhan su, Dy ban Quan Iy Chi phi, Dy ban ALCO,

Phap che, QLRR&PCRT, Uy ban Cong nghe va Dy ban Ph6i hQ'PNgan hang -

BUll dien) d~ true ti~p tham gia di~u hanh giup HDQT luon sat sao voi toan bQ

heat dong kinh doanh cua Ngan hang. Chinh vi vay cac kh6 khan vuong mic JuanI

kip thoi duoc thao gc, X11ly triet ci~.

Nang cao nang luc qUM tri nguon nhan hrc va dao tao:, , , ,

+ Dau tu X<lYdung V3.1103.nthien phan mem quan tri nhan S17 nham nang eao nang

luc qUM tri nhan sir va S11dung nguon nhan luc hieu qua.

+ D~y manh cong tic dao tao, phat trien ky nang nh~m xay dung dQi ngfi nhan Sl,I

chuyen nghiep, gioi nghiep vu tao nen tang nguon nhan hrc chat hrong cao, b~n

vtrng. Cu the:

./ D~u tu v~ mat cong nghe thong tin cho cong tac dao tao, da dang h6a cac hinhthirc dao tao thong qua h~ thong E-Leaming, buoc d~u trien khai dil dern laithanh cong dang k~. Van h6a, thoi quen hoc tap cua CBNV thay d6i d§.n tir bidong thanh chu dong, ti~t kiem nhi~u chi phi, thoi gian dao tao va hieu quanang cao r6 ret.

./ Ti~p tuc d~y rnanh dao tao cho cap quan ly, cho giang vien nQi bQtai don vi d~nang cao nang 11,1'cdao tao, kern c~p cho CBNV tai don vi. Thuc day va giamsat viec thuc hien dao tao noi bQ tai don vi.

+ Cai tien, rut ngan quy trinh tuyen dung nhan su moi, sip x~p nhan Sl,Inoi bQ h9P

ly theo yeu du cong viec d~ S11dung hieu qua nguon nhan luc dang eo. Ti~p tuc

ra soat nang lire di~u hanh heat dong cua cac Giarn d6c Chi nhanh, Phong Giao\

dich, thuc hien mi~n nhiem, di~u chuyen va thay th~ bang cac nhan S1,1'moi c6

nang hrc hon.

+ Di~u chinh phuong phap xay dung dinh bien nhan S1,1'cho cac DVKD theo mo

hinh tang cirong nhan su cho cong tac ban hang, tinh toan va do hrong chi ti~t

nang suat lao dong tai cac vi tri cua f)VKD, lam eo sa tuyen dung va danh gia

nhan S1,1'.

+ Xay dung va tri~n khai h~ thong KPIs, phan giao chi tieu d~n nrng CBNV nham

tao dong luc, khuyen khich CBNV lam viec. Narn 2016, Ngan hang se tiep tuc cai

tien, dong b9 KPIs voi Khoan tai chinh, k~ hoach kinh doanh d~ hoan thien CO' ch~

luong kinh doanh thuc d§.yCBNV tang nang su~t va ban hang hieu quit h0'11.

Chu trong nang cap, kien roan cong tac qUM tri rui ro, ki~m scat ch~t IUQngtin dung:

+ Tai Lien VietPostBank, Quan tri rui ro la mot trong nhirng heat dong trong tarn

duce duy tri thuong xuyen, lien tuc va dam bao khong tach roi voi heat dong kinh /I).. u~

21

doanh Ngan hang. HDQT da thuc hien ca C&U lai Uy ban ALCO, Phap che, Quan

1y rui ro & Phong, chong nra tien va phan cong thanh vien HDQT true tiep phu

trach. Uy ban chiu trach nhiem tham muu cho HDQT cac v<in d~ lien quan d~n

viec hoach dinh chien hroc kinh doanh nharn quan 1y sir phat trien va t5c d(>tang

tnrong cua Tai san NQ' - Tai san eo; chinh sach lai suat, phi, ty gia phu hop theo

tirng thoi ky; hoach dinh chien hroc quan ly rui ro, cong tac phong, chong nra

tien; dira ra cac canh ban rui ro, giam sat viec twill thu cac chinh sach, quy dinh

quan 1y rui ro trong toan M thong gan hang ...

+ Nam 2015 cling danh d~u biroc chuyen bi~n tich cue trong cong tac Quan tri rui ro

tai Lien VietPostbank voi viec thay d6i rno hinh Quan tri rui ro theo thong 1~quoc

t~ v~ Quan tri rui ro hien dai, HDQT phe duyet chi~n hroc va dinh hirong cho toan

b(>hoat dong Quan 1y rui ro cua toan h~ thong. Uy ban ALCO, Phap che, Quan 1y

rui ro va Phong, chong nra ti~n tnrc thuoc HDQT chiu trach nhiem chi dao t6

chirc hoat dong Quan 1y rui ro theo dung chien hroc va dinh hirong rna HDQT cia

d~ ra. H~ thong Quan 1y rui ro cua Lien VietPostBank diroc xay dung theo trier 1y

"Ba vong kiem so at" voi vai tro dQc l~p cua cac Phong/Ban/Don vi tham gia thtrc

hien quan 1y rui ro. Tai vong mot, cac don vi thuc hien nghiep v1,1(DVKD, ki~m

scat tham dinh, giai ngan ... ) chiu trach nhiem nhan dien, ki~m scat, xir 1y rui ro

toan dien ci5i voi hoat dong nghiep V1,lcua don vi. T<;1ivong hai, Kh5i/b(> phan

quan ly rui ro ciQc l~p tai hQi sa cua Ngan hang chiu trach nhiem xay dung khung

quan ly rui ro, thiet l~p cac nguyen t~c va chinh sach quan ly rui ro va giam sat

dQc l~p hoat dong ki~m soat rui ro. Kh5i/bQ phan kiem toan noi bQ duce tang

cirong va chiu trach nhiem kiem soat d(>c l~p a vong ba.

+ Quan 1y rui ro tin dung ti~p t1,1Cduce chuyen d6i theo huong t~p trung chuyen

mon hoa tai HQi sa d~ dam bao tinh dQc lap va hieu ,\ua v~ mat ki~m soat rui ro

thirorig xuyen tnroc, trong va sau giai ngan. V oi nhirng n6 lire cua HDQT va Ban

T6ng Giam d5c trong cong tac quan 1y ch~t hrong tin dung, ne qua han va no x~u

cua Ngan hang vfu1 nam trong tfun ki~m scat. Thai cii~m 31112/2015, ty l~ no x~u

cua LienVietPostBank la 0,88% (giarn 0,35% so voi nam 2014) va cac khoan no

x~u nay d~u eo tai san bao dam nen kha nang thu h6i cao, it eo thiet hai cho Ngan

hang.

+ C6ng tac quan 1y rui ro hoat dong va Phong, chong nra ti~n cia eo nhi~u chuyen

bien voi viec trien khai dong bQ cac c6ng cu chinh ci5i voi hoat dong quan 1)1 rui

ro hoat dong va Q~U tu v~ c6ng nghe quet 1Qc giao dich va nhan biet khach hang

cho heat dong phong chcng nra tien.

22

+ Quan 1y rui ro thi truong vfu1diroc theo dei, ki~m scat chat che. Cac chinh sach v~

Hii suat, ty gia cua Ngan hang thuong xuyen duce oi~u chinh phu hQP voi bien

dong cua thi tnrong va kh~u vi rui ro. Viec nhan dien, 00 IUCmgrui ro thi tnrong

oUQ'Cthirc hien thirong xuyen, dinh ky thong qua cac bQ d~u hieu rui ro va/hoac S11

dung cac c6ng C\1m6 hinh noi bQ.

+ Heat dong quan ly.rui ro thanh khoan 1u6n diroc theo doi thuong xuyen, danh gia

mire cIQnhay cam rui ro thanh khoan va kip thoi eo nhtrng dieu chinh hop 1Y.

Ti~p t\1Co~u tu cho c6ng nghe va phat tri~n san pham, dich V\1:

+ B~y rnanh c6ng tac phat hanh the, ti~n hanh ket n6i voi cac lien minh the trong

mroc va quoc t~ o~ thuc hien giao dich duce tai hon 14.000 may ATM, POS tren

toan quoc va thuc hien tri~n khai the tin dung quoc t~ Master Card. Cac dich vu

SMS banking, Internet Banking cling oil diroc cai tien, nang dp va ngay cang

duce khach hang tra chuong, tin dung.

+ Tap trung xay dung tri~n khai cac san pham bin le (cho vay htru tri, cho vay uu

dili - giam lili h~t narn, ..), huong toi d6i nrong khach hang la ea nhan, doanh

nghiep nho va vira, Ti~p tuc d~y rnanh tri~n khai cac dich vu thu chi ho, thu tiep

quy, thu hut nguon v6n huy dong gia re va tang them t)T trong thu dich V1,l trong

nguon thu cua ngan hang.

+ H~ thong c6ng nghe thong tin kh6ng ngirng duoc nang dp dap irng nhu eau rno

rong mang hroi va tang khoi luong, chat hrong giao dich trong toan h~ thong, dap

irng duoc yeu eau quan trio

Chu trong d~u tu phat trien mang hroi:

+ Trong nam 2015, LienVietPostBank dil khai truang di vac heat dong them 2 Chi

nhanh va 7 Phong Giao dich. Tinh o~n 31112/2015, LienVietPostBank oil eo 58

chi nhanh, 43 Phong giao dich, 1.081 Phong giao dish Buu dien va quyen khai

thac hon 10.000 di~m giao dich tren he thong Btru cue/Diem buu dien van hoa xil

cua T6ng c6ng ty Biru chinh Viet Nam dang trong qua trinh trien khai cung cap

san pharn dich V\1.

+ Theo k~ hoach trong nam 2016, Lien VietPostBank se xin dp phep va khai twang

7 Chi nhanh cung voi khoang 100 Phong giao dich va tren 50 Phong giao dich

Buu dien. D1,l· ki~n o~n h~t nam 2016, Lien VietPostBank se eo cac Chi

nhanh/Phong giao dich tai 63 tinh/thanh va d~n nam 2020, mang luoi

Lien VietPostBank se phu rong d~n t~t ea cac Quan, Huyen tren toan quoc.

3. Cac ki hoach, dinh hU:071gcua H6i (/6ng quan tri:

Trong nhfrng narn qua, Ngan hang xac dinh m6 hinh heat dong kinh doanh la: "Ban

buon - Ban Ii - Dicit v!' - Kinh doanh da niing" voi d.m nhin "Trd tltanh Ngiin

~.b;-::~Hue

L,v,~

IUlng ban le bang ttim Vi~tNam - Ngiin liang cua moi nguiri". Voi rnuc tieu lau dai

nhu vay, LienVietPostBank tiep tuc t~p trung huong d~n phat tri~n d6i tUQTIgkhach

hang ea nhan, h9 gia dinh, SME va cung cap cac dich vu ngan hang nhir thu chi ho,

thanh toan ... nhfun phat huy iru th~ v~ rnang hroi. Cu th~ dinh hirong heat dong kinh

doanh va cac giai phap thuc hien narn 2016 d6i voi cac mang cong viec nhtr sau:

+ Khong ngirng cung c6 nang cao nang lire quan tri di~u hanh, kip thoi xir ly cac

van d~ b~t c~p d~ b9 may dieu hanh luon 1<'1 diu tau d~n d~t Ngan hang hoan thanh

t6t cac muc tieu dinh huong da:d~ ra.

+ D6i voi heat dong ban le, LienVietPostBank t~p trung phat tri~n d6i tUQTIgkhach

hang ea nhan, h9 gia dinh, SME va xac dinh day la nhom khach hang tiern nang.

mang 19-iS1,1'phat trien 6n dinh va b~n virng cho gan hang, cu th~:

v" f)~y manh heat dong ban le tren M thong Phong Giao dich Biru dien, dac biersau khi Thong tu 43/20I5/TT-NHl'\TN quy dinh v~ t6 chirc va heat dong cuaPhong giao dich Biru dien tr1,1'Cthuoc Lien VietPostBank duce ban hanh thiLien VietPostBank eo loi th~ vo cling to Ion v~ mang hroi, diroc phep mo Chinhanh, phong giao dich toi t~t ea quan, huyen tren toan quoc. Viec trien khaicung dp san pham, dich vu Ngan hang tren h~ thong Phong giao dich Birudien giup Ngan hang ti~t kiem duoc nhieu thoi gian, chi phi trong viec d~u tuv~ eo sa vat ch~t giup nang cao hieu qua heat dong kinh doanh d6ng thoi c6th~ mang duce cac san pharn Ngan hang dSn t~ cac vung sau, vung xa.

v" Tap trung huy d9ng va phat tri~n cac dich vu tin dung nho le nhir tin dung huutri, cho vay can b9 Cong clnrc vien chirc, hrc lUQTIgvii trang ... Ngan hang clingse huong toi cho vay h9 gia dinh voi dinh hirong chon loc khach hang, la:isuata rmrc vua phai, thu tuc nhanh gon va rui ro a mire chap nhan duce nham dambao an toan va hieu qua kinh doanh.

+ D6i voi mang khach hang doanh nghiep Ion, Lien VietPostBank tiep tuc duy tri

phuc vu va phat tri~n them cac khach hang Ion (nhtr Bao hi~m xa:h9i Viet Nam ..),,

cac d1,1'an lon trong diem theo dinh huong iru tien cua Chinh phu von la 19i th€

cua Ngan hang trong sudt thoi gian vira qua, dong thoi tang cuong quan M hop

tac voi cac B9 nganh, Co quan Nha mroc va cac dinh che tai chinh trong va ngoai

mroc d~ ti~p c~ voi cac nguon von uu da:id6ng thoi phuc vu giai ngan cac d1,1'an.

+ PMt trien rnanh hoat dong thu chi hQ, huong d~n phuc vu cac dich vu dai chung

nhir thu chi bao hi~m xa hoi, cac dich vu tien ich nh~m thu hut nguon v6n huy

dong gia re va tang tY trong thu hoat dong dich vu trong eo du thu nhap cua ngan

hang.

+ Hu611gd~n ngan hang s6, d~y manh irng dung cong nghe d~ phat trien san pharn

dich V1,1,tiSt giam chi phi nh~t la cac giao dich nho le, phuc VI,lkhach hang nhanh

24

ch6ng. Truce mat hoan thien va dua ra tr'i~n khai san pham Vi Vi~t trong nam

2016.

+ Cac heat dong nguon von, dich V1,l phai g~n chat xoay quanh bQ ba khach hang

chi~n hroc: Bao hi~m xa hoi Viet Nam, r6ng Cong ty BUll chinh Vi~t Nam, Tap

'doan Vi~n thong Quan o9i.

+ Ti~p tuc kien roan h~thong quan tri rui ro, d~c biet d5i voi tin dung ban le bao

gorn cac h~ thong canh bao sorn, nhac ne va thu no tu dong, cc ch~ va cac bien

phap xu 1y rui ro khi phat sinh ne xiu a cac khoan nho le.

+ Nang cao chit hrong dQi ngii can bo, nhan vien nhim dap ling nhu du phat tri~n

heat dong kinh doanh, nang cao chit hrong dich V1,l va kha nang canh tranh cua

Ngan hang.

V. Quan tr] cong ty

Hoi i16ng quan tri:

Thanh vien va eo du cua HQi d6ng quan tri:!GjiNGsu:E

Ty I~ sO' hfru CP t?i

STT Ten cB dong Chrrc VI}Ngan hang TMCP

ea nhan BU'u di~n Lien Vi~t(%)

DUONGCONG MINH - 0%

1 Dai dien quan ly phan v5n cso tich HDQTg6p cua Cong ty cs phan 14,980%Him Lam

2 NGUYEN DUC HU6NG Pho Chu tich thuong true HDQT 3,369%

NGUYEN cue cu , 1,468%

3 Giam d5c Cong ty TNHH Pho Chu tich HDQT

Khai Hung2,864%

NGUYEN VAN HUYNH 0,700%

4 Chu tich TV Con a ty Thanh vien HDQT=:> 4,954%

TNHH H.T.H

5 NGUYEN DiNH THANG Thanh vien HDQT 0,645%

6 LE HONG PHONG Thanh vien HDQT 0,008%

7 CHU THJ LAN HUONG Thanh vien HDQT . 0%_ .. -- _ .. _. - . -.

25

I TiT l~ scr hfru ep tai

ISTT Ten c6 Gong Chirc VlJ-Ngan hang TMCP

ea nhan Biru di~n Lien Vi~t(%)

Dai dien quan 1y phan vongap cua T6ng cong ty 12,539%Biru di~n Viet Nam

8 PHA-M DOAN SON Tha.nh vren HDQT 0,021%

9 DO THJ NHIEN Thanh vien HDQT oQc I?p 0,015% II

b) Cac ti§u ban thuoc HQi d6ng quan tri:

Tinh d~n thoi diem ngay 31112/2015, Ngan hang eo 10 0y ban true thuoc HQi dong

Quan tri la: 0y ban Chi~n hroc; Kinh doanh; D6i ngoai; Tin dung; Xir 1), rui ro va xir

1y no'; Nhan S1,l'; Quan 1y chi phi; ALCO, Phap ch~, Quan 1y rui ro va Phong, chong nra

tien; Cong nghe; Ph6i hop Ngan hang-Biru dien,

c) Hoat dong cua HQi dong quan tri:

T6ng s6 cuoc hop cua HQi d6ng quan tri trong nam 2015 la 07 cuoc hop,

Danh sach cac N ghi quyet cua HQi dong quan tri trong nam 2015 nhu sau:

8tt 86 Nght quy~t Ngay NOi dunz• e

Chuyen d5i dia diem Tru sa giao dich va ten goi

1 515/2015/NQ-HDQT 13/07/2015 Phong Giao dich Ba Dinh tnrc thuoc Chi nhanh HaNQi thanh PGD Phuc D6ng thuoc CN Thang Long

2 551/2015/NQ-HDQT 23107/2015Bau Pho-Chu tich HDQT Ngan hang Biru dienLien Vi~t

.., 680/2015/NQ-HDQT 10108/2015Chuyen dia diem tru se)'PGD CMu Doe true thuoc

..)

CN An Giang

4 693a/20 15/NQ-HDQT 12/08/2015Gap von vao Cong ty Co phan Cc hoi Dau tuChirng khoan Chi~n hrec Viet Nam

5 694a/2015/NQ-HDQT 14/08/2015 Mua c6 phan cua Cong ty Chirng khoan Lien Vier

6 76112015/NQ-HDQT 19/0812015Phat hanh eo phieu rieng 16 cho c5 dong hien hfrud§ tang v6n di~u l~

7 792/2015/NQ-HDQT 01/09/2015 D6i ten va dia chi PGD Dong San

8 796/20 15/NQ- HDQT 03/09/2015 Thay dbi dia chi Phong Giao dich Long Bien

Nghi quyet thay doi dia diem tru sa PGD Que V6,

9 804/2015/NQ-HDQT 07109/2015 PGD Tu San true thuoc Ngan hang Biru dien LienVi~t - CN B~c Ninh

10 835a/20 1§/NQ-HDQT 19109/20151 Nghi quyethopHf.Q'Lnhiemky ITphien thir 14

842aJ2015/NQ-HDQT 2110912015Phat hanh Trai phieu Ngan hang Buu dien Lien

11 Vi~t nam 2015

26

Stt s6 N gill quySt Ngay N6i duns. e

12 . 852/2015/NQ-HDQT 23/09/2015 Thay d6i ten goi va dia chi PGD Le Nin

13 882/2015/NQ-HDQT 10110/2015Thay dei dia chi CN Bac Kan - Phong Giao dichBa B&

883/2015/NQ-HDQT I 10110/2015Thay dei ten goi va dia chi CN Dak Lak - PGD Cir

14 M'gar, PGD Krong Nang, PGD Eo H'leo

884/20 15/NQ-HDQT 10110/20 15Thay dei ten goi va dia chi CN Gia Lai - PGD

15 Trk Phu, PGD Chu Se

16 I 893a12015/NQ-HDQT 14110/20 15Nghi quyet lay y ben co dong ve so lUQTIgthanhvien b~u vao HDQT, BKS

908/2015/NQ-HDQT 19110/2015De cir bau bo sung Thanh vien HDQT va bo

17 nhiern T6ng Giarn d6c

18 915/2015/NQ-HDQT 23110/2015Chuyen doi dia diem tru so CN An Giang - PGDTho?i San

- 19 940/2015/NQ-HDQT 1211112015Thay dei ten goi va dia diem tru sa NHBD LienViet Chi nhanh ChQ'Lon - PGD Ly Thuong Kiet

20 959/20 15/NQ-HDQT 2511112015Thay dei ten goi va dia chi Phong Giao dich DireXuan

21 968/20 15/NQ- HDQT 30/11/2015Thay doi dia diem tru se CN Khanh Hoa - PGDCamRanh

22 971/20 15/NQ-HDQT 04112/2015 Nghi quyet HDQT nhiern ky II phien hQPthir 15

23 1001l2015/NQ-HDQT 14/12/2015 Nghi quyet hQPHDQT nhiem ky II phien thir 16

24 1025/20 15/NQ-HDQT 30112/2015 T?-ITlling c6 tire dot 1 nam 2015

)0

p

d) Heat dong cua thanh vien H9i dong Quan tri d9C l~p khong di~u hanh: Heat dong theo

Quy ch~ cua Ngan hang TMCP BUll dien Lien Vi~t va thee quy dinh cua Phap lu~t.

e) Heat dong cua cac tieu ban trong H9i d6ng quan tri:

Uy ban Tin dung: Tham rmru, giup viec cho H9i d6ng Quan tri trong cong tac hoach

dinh duong l6i, dinh huong chien luoc tin dung cua Ngan hang, danh gia k~t qua thuc

hien, d~ xu~t thay d6i, thuc d~y viec thuc hien chien hroc tin dung cua Ngan hang;

Quan ly, giam sat thirc hien cac chu tnrong, chinh sach, quy che, quy dinh cua Ngan

hang v~ tin dung; N ghien ciru, tham rmru, tu v~ cac v~ d~ thuoc tham quyen lien

quan d~n cong tac tin dung Ngan hang; Thay mat H9i d6ng Quan tri thirc hien phe

duyet tin dung va rnoi v~ a~lien quan d~n heat d9ng dp tin dung cua Ngan hang

trong pham vi thk quyen diroc H9i d6ng Quan tri giao ...

~) ban Nhdn SI!: Nghien ciru, tham muu, tu van giup H9i dong Quan tri quyet dinh

cac v~ d~ thu9_ctP~ .quyen lien quan d~Jl.congtac nhan sucua Ngan hang; Thk

dinh d~ trinh H9i d6ng Quan tri phe duyet, quyet dinh cac v~ d~ theo phan quyen v~

{Y27

------- ---

nhan sir vuot tham quyen cua 0y ban; Quyet dinh cac van d6 v6 nhan su trong pharn

vi tharn quyen diroc phan cong.

Uy ban C6ng ngh?: Tham rmru, giup viec HQi d6ng Quan tri trong cong tic hoach

dinh duong 16i, dinh hu6ng chien luoc phat trien v~ cong nghe cua Ngan hang (bao

gem cong nghe ngan hang va cong nghe thong tin), danh gia k~t qua thirc hien, d~ xu~t

thay d6i v~ chien hroc cong nghe; Thirc hien thfun quyen phe duyet, quyet dinh cac

van de lien quan d~n cong nghe cua Ngan hang trong pham vi th§.rn quyen; D~u moi t6

chirc, chi dao cong tac xay dung va ban hanh van ban do HQi d6ng Quan tri ban hanh

va cac quy dinh lien quan khac ...

~) ban Kinn doanh: Tham rmru, giup viec cho HQi dong Quan tri trong cong tac

hoach dinh dirong 16i, dinh hu6ng chi~n hroc kinh doanh cua Ngan hang, danh gia k~t

qua thirc hien, d6 xuat thay d6i, thuc d~y viec thirc hien chien hroc kinh doanh cua

Ngan hang; Nghien ciru, tham rmru, 06 xuat HQi d6ng Quan tri v~ chien hroc kinh

doanh phu hop voi dinh hu6ng heat dong nrng thoi ky cua Ngan hang, phe duyet trien

khai cac san pham (phi tin dung), phe duy~t cac van ban dinh ch~ v6 chien 1U9·Ckinh

doanh; Thay m~t HQi d6ng Quan tri thirc hien phe duyet tin d\1I1gva moi van de v~

kinh doanh vuot tharn quyen cua 0y ban hoac quyet dinh trong pham vi tharn quyen

dU9·Cphan cong ...

~J ban n6i ngoai: Tham rmru, giup viec cho HQi d6ng QUa..l1tri trong cong tac hoach

dinh dirong 16i, dinh hirong chien hroc d6i ngoai cua Ngan hang, danh gia k~t qua thuc

hien, d6 xu~t thay d6i, thuc d~y viec thirc hien chien hroc d6i ngoai cua Ngan hang;

Dku moi t6 chirc viec tham dinh va phe duyet ban hanh h~ thong van ban quan tri noi

bQ thuoc tham quyen cua HQi d6ng Quan tri trong linh virc d6i ngoai; Th~m dinh d~

trinh HQi d6ng Quan tri phe duyet, quyet dinh cac vilil d6 V1I9t tham quyen cua 0y

ban; Thay mat HQi d6ng Quan tri quyet dinh cac vilil d6 lien quan dSn heat dong d6i,ngoai trong pharn vi duce HQi d6ng Quan tri giao ...

~) ban Ph6i hop Ngdn hang - Buu ai?n: Tham rmru, giup viec cho HQi d6ng Quan tri

trong cong tac hoach dinh dirong 16i, dinh hirong hop tac, phoi h9P, phat trien voi

Vietnam Post nham qU3I11)' va phat trien h~ thong PGDB:8; Nghien ciru, tham rmru, tu

v~ giup HDQT quyet dinh cac vk d6 thuoc tharn quyen lien quan dSn cong tac quan

1;'po?t dong ngan hang tren M thong PGDBD, dinh hu6ng phat trien heat dong ngan

hang tren mang hroi BUll dien, trong viec t6 chirc trien khai va me rong cac hinh thirc

hop tac gifra Ngan hang va Vietnam Post tren CO" sa cac Hop d6ng khung da diroc hai

ben ky k~t; D~u moi t6 chirc thirc hien xay ?vng hethong van bcfu1quan 1)' heat dong

ngan hang trien khai cac heat dong ngan hang tren h~ thong PGDBD; Thay mat HQi

d6ng Quan tri lam viec voi Vietnam Post d~ thong nh~t cac vilil d~ nay sinh trong qua

28

- -- --~-==-===-'"

trinh hop tac, quyet dinh cac van d~ thuoc th~m quyen d~ dai dien cac bo phan nghiep

vu cua Ngan hang va Vietnam Post trien khai thirc hien hoac trinh H9i dong Quan tri

quyet dinh theo th~m quyen; D§.u moi phoi hop veri cac Uy ban khac chi dao T6ng

Giam d6c va cac Kh6i nghiep vu, Chi nhanh Ti~t kiem Biru dien, Chi nhanh/Phong

Giao dich 16'n duoc giao quan Iy cac PGDBD t6 chirc trien khai chuong trinh,k~

hoach, heat dong ngan hang tren h~ thong PGDBD ...I

Uy ban ALeO, Phap che, Quan I)) rui ro VG Phong chong rica tien: Tham rmru, giup

viec cho H9i dong Quan tri trong viec hoach dinh chi~n hroc kinh doanh nh~m quan ly

sir phat tri~n va t6c Q9 tang tnrong cua Tai san NO' - Tai san Co, bao dam heat dong

kinh doanh cua Ngan hang an toan, hieu qua, phu hop veri Quy dinh cua Phap Iuat; Tu

van, tham muu cho Hoi dong Quan tri v~ chinh sach lai suat, phi, ty gia, hoach dinh

chi~n hroc rui ro, t6 chirc chi dao viec xay dung va thong qua cac chinh sach quan ly

rui ro cua Ngan hang; Thuc hien phe duyet, quyet dinh cac v~n d~ theo chirc nang,

nhiern vu; Phan tich, dira ra canh bao v~ mire de) an toan cua Ngan hang tnroc nhfrng

nguy cc, rui ro tiern ~n va bien phap phong ngira d6i veri cac rui ro nay trong ngan han

va dai han; Xem xet, danh gia tinh phu hop va hieu qua cua cac quy dinh, chinh sach

quan tri rui ro hien hanh d~ dira ra cac khuyen nghi, d~ xu~t d6i veri HDQT; Tham

muu cho HDQT trong viec quyet dinh phe duyet cac khoan d§.u tu, cac giao dich eo

lien quan, v~ cong tac phong, chong nra ti~n trong toan h~ thong ngan hang.

Uy ban Quan 1)) chi phi: Nghien ciru, tham muu, tu van giup HDQT quyet dinh cac

v~n d~ thuoc th~m quyen lien quan d~n cong tac quan ly chi phi cua Ngan hang; Th~m

dinh d~ trinh HDQT phe duyet, quyet dinh cac van d~ quan ly chi phi trong pham vi

tham quyen duce phan cong ...

Uy ban Xl} I)) rui ro VG XU' ly no: Tham rmru, giup viec cho Hoi d6ng Quan tri trong

viec xay dung va thong qua cac chinh sach xu' Iy rui ro va xir ly no cua Ngan hang

dam bao phu hop veri chi~n hroc kinh doanh, cac quy dinh cua Phap luat va Di~u I~

Ngan hang, trong cong tac quan ly, thuc hien giam sat viec tuan thu cac chinh sach,

quy dinh xir ly rui ro va xu' ly ne trong toan h~ thong, trong viec phe duyet phU011gan

xir ly rui ro, xir ly no trong pham vi chirc nang, nhiern vu duce HDQT giao; Thirc hien

th~m quyen phe duyet, quyet dinh cac v~ dS lien quan d~n xir ly rui ro va xir 1)' no;

Xem xet, danh gia tinh phu hop va hieu qua cua cac chinh sach, quy dinh v~ xir ly rui

ro va xir ly no hien hanh cua Ngan hang d~ dira ra cac khuyen nghi, d~ xuat d6i voi

HDQT; Tham muu cho HDQT trong viec phe duyet cac khoan d§.u tu, cac giao dich

eo lien quan va phuong an xtr 1)1 rui ro, xir ly qO'trong pharn vi chirc nang, nhiem vu

duoc giao; Ph6i hop voi cac Uy ban khac d~ tham muu, tu vfln viec xay dung, ban

29

HAI.Iel)I~V]

hanh cac van ban dinh che, chinh sach lien quan nhim dam bao rnuc dich quan tri, tinh

twill thu va phong ngira rui ro toan dien d6i voi cac heat dong cua Ngan hang ...

uj; ban Chdn luac: Tham rmru, giup viec cho HQi dong Quan tri trong c6ng tac

hoach dinh dirong I6i, dinh hirong chien hroc phat trien, danh gia k~t qua thirc hien, va

d~ xu~t thay d6i chi~n hroc phat trien, thuc d~y thirc hien chi~n hroc phat trien Ngan

hang, quan ly, giam sat thirc hien chu tnrong, chinh sach, quy che, quy dinh cua Ngan

hang v~ chi~n hroc, xay dung cac van ban dinh ch~ v~ chib hroc; Thay mat HDQT

phe duyet moi van d~ mang tinh chi~n hroc v~ phat trien t6 chirc cua toan M thong;

Nghien ciru, d~ xu~t v~ giai phap nham nang cao hieu qua hoat dong trong cong tac

quan tri, di~u hanh va tri~n khai nghiep vu Ngan hang ...

2. Ban Kidm soat:

a) Thanh vien va eo du cua Ban ki~m soat:

Ten cB dong Ty I~ sO' hfru CP t~i NganSTT ea nhan Chrrcvl! hang TMCP Bu'U di~n

Lien Vi~t (%)" ,

1 PHAMHAIAU Tnrong BKS 0,01%

2 NGUYEN THl LAN ANHThanh vien BKS khong

0%chuyen trach

TRAN THANH rUNG Thfmh vien BKS,.,0,007%.J

chuyen trach

b) Heat dQng cua Ban ki~m scat:Ban Ki~m scat d1lchi dao Kh6i Ki~m toan noi bQ thirc hien k~ hoach ki~m toan narn d1l

duce HQi dong Quan tri phe duyet va di~u chinh k~ hoach dam bao sat V01 thirc t~ hoat

dong trong nam cua Ngan hang. Tren ca so do, narn 2015 Kh6i Kiem toan nQi bQ d1l

thuc hien 80 cuoc ki~m toan (trong d6 71 cuoc theo k~ hoach va 09 cuoc ki~m toan

ngoai k~ hcach) tren cac mat heat dong tin dung; heat dong thanh toan; k~ toan tai

chinh; heat dong phong, chong nra tien; k~ toan - giao dich, kho quy; The ATM, cong

tac quan 1)'1 tai chi nhanh, heat dong cung dp dich vu ti~t kiem biru dien.

K~t qua cac cuoc ki~m toan diroc bao cao len HQi d6ng Quan tri, T6ng Giam d6c d~ c6

nhirng chi dao kip thoi trong viec ban hanh cling nlnr chinh sua cac chinh sach, quy dinh

cho phu hopvoi thirc t~ hoat dong kinh doanh cling nhu hoan thien he thong kiern scat

nQi bo. HQi d6ng Quan tri, T6ng Giam d6c d1lchi dao cac don vi diroc ki~m toan kh~c

phuc, chan chinh nhfrng sai s6t nhim giam t6i da rui ro cho Ngan hang; xir ly k)! Iu?t cac

ea nhan lien quan theo nrng rmrc dQ vi pham nhim ran de tren toan M thong, giup cho

hoat dong cua cac bQphan nghiep vu di vao n~ n~p, c6 y thirc tuan thu dung. d~y du cac

quy dinh cua Phap luat n6i ehung va cua Tganhang n6i rieng,

30

Kh6i Ki~m toan noi b<5cling d:a thirc hien t6t viec theo dei, ki~m tra c6ng tac chinh sira

sau ki~m toan, darn bao h~u het cac sai sot d:~u diroc khac phuc. Rieng d:6i voi k~t qua

ki~m toan dich vu ti~t kiern biru dien, ngoai viec giri van ban cho T6ng C6ng ty Buu

dien Vi~t Nam d:~ chk chinh nhfmg sai sot .trong qua trinh cung dp dich vu tai cac

Phong giao dich biru dien, Kh6i Ki~m toan n<5ib<5con eo cac cuoc hQP voi Tong Cong

ty Buu dien Viet Nam nham trao d:6i v~ nhtrng t6n tai cling nhir cac kh6 khan. vuong

mic trong viec tri~n khai cac nghiep vu tren M thong cac PGDBD d:~ cling T6ng Cong

ty BUll dien Viet Nam eo bien phap xir ly kip thoi.

3. Cac giao dich, thu lao va cac khoan 19'i ich cua H9i dong quan tri, Ban T6ng Giam

dr5c VG Ban kidm soat:

a) Lirong, thuong, thu lao, cac khoan loi ich: Nam 2015, Ngan hang TMCP Buu dien

Lien Vier d:a ti~p tuc khang dinh vi th~ va uy tin cua minh trong nganh tai chinh ngan

hang Viet Narn, dirng vfmg va phat tri~n trong b6i canh kinh t~ kh6 khan. C6 duce

thanh qua tren la cong sire tap th~ cua H<5idong Quan tri, Ban Ki~m soat, Ban T6ng

Giarn d:6c va toan th~ d:<5ingii Can bo Nhan vien Ngan hang, trong do H<5idong Quan

tri va Ban Ki~m scat dong vai t1"O het sire quan trong, quyet dinh sir thanh cong n6i

tren cua Ngan hang. Dai h9i d:6ng c6 dong thuong nien nam 2016 cua Ngan hang

TMCP BUll dien Lien Viet aa thong qua tong mire thu lao cua cac thanh vien H<5i

dong quan tri va Ban ki~m scat trong nam 2016 la 40 tY dong, s6 thuc chi trong nam

2015 la 26,31 ty d:6ng.

b) Giao dich c6 phieu cua c6 dong noi Q<5:

Tu thoi diem tu ngay 01/0112015 d:~n ngay 30106/2015:

se cB phieu sO'hiru s& cB phieu sO'hfru Ly do

d~u kY cu&i ky tang,giamN gu'oi th l!c Quan h~ v6i ,(mua,Stt hi~n giao cB dong ni}i

djch bi} s6 cB tY l~ S& cB tY l~ ban,(%) chuyen

phieu (%) (*) phieu (**) dBi,thu'O'ng;... )

VG Onz. b

VG THJ KIMNguyen Van

Mua, banJ

HOANGHuynh - 2.081.350 0,32 1.646.204 0,25 cb phanThanh vienHDQT

Em ruot Ong

NGUYENNguyen D(IC

2 KHAC Huong- Pho150 0,06002 102.302 0.02

Mua coSANG

Chu tich ph§nth uon a trueb .

HDQT

31

Tu thoi di~m ngay 01107/2015 dSn ngay 31/12/2015:

s6 cBphieu sir hfru ss cB phieu sO' him Ly do

gU'Olthuc d~u kY cu6i kY tang, giam

Stt hi~n giao Quan h~v6i (Ngay 01/0.7/2013) (Ngay 31/12/2013) (mua, ban,cB dong nQi bQ chuy~ndjch se ca Tyl~ se ca Ty l~ dai,

phieu (%) phieu (%) thmmg ...)

Bur THIChi dau Ong

1 THANHDirong Cong

422.510 0,065 682.510 0,106 MuaHUYEN

Tofm -Ph6T6ng Giam G6cEm ruot Ong

NGUYEN Nguyen Dinh0 0 186.660 0,029 Mua2

THIHOA Thang - ThimhvienHDQTEm ruot Ong

NGUYEN Nguyen DLrc3 KHAC Hirong - Ph6 102.302 0,016 128.410 0,020 Mua

BANG Chu tich thuongtn,rcHDQT

c) Hop d6ng hoac giao dich voi c6 dong noi bo:

Tu thoi di~m ngay 01101/2015 dSn ngay 30106/2015:

se cB phi~u sir him se cB phieu sO' htru Ly do tang,

d~u kY cu6ikY giam (mua,ban,

NgU'oi thuc Thanh chuyen (f6i,Stt vienhi~n giao djch )IDQT s6 ca tY l~ s6 cB tY l~ thuong ...)

phi~u (%) phi~u (%)(*) (**)

NGUYEN DINHThimh

1 THANGvien 2.713.528 0,42 3.221.543 0,50 Mua c6 phanHDQT .

DVONG CO G c6 Gong 91.004 0,01 324.004 0,05 Mua c6 ph§n2 TO AN nQibQ

NGUYEN c6 Gong125.503 0,02 133.083 0,02 Mua c6 phan.,

.JTHA HTUNG nQibQ

TRAN LVONGc6 Gong 3.356.477 0,52 4.310.364 0,67 Mua c6 phan4 DUNG

Er thoi di~m ngay 01/07/2015 d§n ngay 31/12/2015:

32

------------------------------ -

cA aong s6 cA phieu sO' hfru ss cA phieu sO' hfru Ly do tang,

NgU'Ol thuc hi~n nQi bQ/ dftu ky cu6ikY giam (mua,Stt ban,giao djch cA dong se cB Ty I~ ss cB Ty I~ chuyen dBi,

IOn phi~u (%) phieu (%) thuong ...)

NGUYEN DINHThimh

1 THANGvien 3.221.543 0,499 4.097.691 0,634 MuaHDQT

NGUYEN C6 dong 20.137.000 3,117 0 0 Ban2 TRUNG HA

T~t..NLUONG C6 dong 4.310.364 0,667 4.570.748 0,708 Mua"I.J

DONG

NGUYENHONG C6 dong 2.636.379 0,408 3.767.192 0,583 Mua4 HA

5 VAN HUYTl) C6 dong 7.514.374 1,163 0 0 Ban

DAONGUYEN C6 dong ° ° 29.698.836 4,597 Mua6 vOd) Viec thirc hien cac quy dinh v~ quan tri c6ng ty: H9i dong Quan tri thirc hien nghiern

tuc vs. sat sac viec giam sat hoat dong cua T6ng Giarn d6c thee dung quy dinh cua

Phap luat, f)i~u l~ Ngan hang vs. Quy che Quan tri vs. £)i~u hanh Ngan hang TMCP

BUll dien Lien Viet.

.1

VI. Bao cao tai chinh:

1_ Y kdn kdm toan:

13,-\0 c~o KJE;\f To/it\; O(>C Lid'

C~i(-et; etl'!I1~

f I'~ri 'it~ng ()~It\n Ir-i \'t\ !':an rtln Ci~'IIU {1i,t-f\.~.:"Hl hilll;:! I"hln:m'~ mu! C{. p!,,"n It~J11dii'n Lien \ l~-'

CI1LJ'1: tl'/ l_.. Lj~':li 1.1,1'1' r·.;lC" \.~;r:-f ~~ rhmh ~;("n-l!l~'~\ 1..1••':\ PfUI i;!,"; '\hu:r\!:; fT'il! '.".' r~lj,· _-t./uccr; •..1''::' \. r:'! I:' :

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IJ .~; ~ :: 1 tl ..U:~t i~ 1:~:'ln :0 15. H.I!~l"':::t' k~' '[1.I~1J1 :I~db'll,d kidr d£llh. B.I(I :".1" IL,Ll 0..::11';,,:'I r.i~1 I: .1.1' I;!" ;:1

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34

2. Bao cao tai chinh duac kidm todn :

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