C0NG HOA XA HOI CHU NGHlA VlT NAM C\,t U D A MIC ^^Doc lap-tudo-hanh phuc DAI HQI DONG C6 DONG THU*QnG NIEN EXIMBANK NAM 2018 (DAI HQI DONG CO DONG LAN THU"34) mj thao BAO CAO HOAT DQNG CUA HQI DONG QUAN TRJ ("HDQT"), HOAT DQNG CUA CAC HQI DONG, UY BAN TRQC THUQC HDQT NAM 2017 VA PHlTONG HlTQNG HOAT DQNG HDQT NAM 2018 Kinh trinh: DAI HQI DONG CO DONG Nam 2017 mac du chita het kho khan nhung Eximbank da co nhung quyet sach dung dan va tan dung co hoi thi trudng de hoan thanh ke hoach dat ra. Hoi dong quan tri kinh bao cao Dai hoi ddng C6 dong ("DHDCD") kst qua hoat dpng cua HDQT trong nam 2017 va phuong hudmg hoat dpng nam 2018 nhu sau: I.Tdng ket cac cuqc hqp va cac quyet dinh cua HDQT n^m 2017: Ve cong tac quan tri ngan hang, HDQT da hoat dpng tich c\rc, to chiic cac phien hop va liy y ki^n nhanh b^ng van ban ds dua ra cac quy^t djnh quan trpng, kip thai ho tra Ban disu hanh trong cac mat ho^t dong cua Eximbardc. Theo do, cac thanh vien HDQT nhi^m ky VI (2015-2020) trong nam 2017 da true ti^p tham du 38 phien hop HDQT, va 109 lin cho y ki6n bang van ban, thong qua 206 Nghi quyet HDQT ve cac noi dung quan trpng lien quan cac llnh v\rc hoat dpng kinh doanh, nhan s\r, xay d\mg co ban, nh^n dien thuong hipu, xu ly np, quan ly rui ro, quy trinh, qu^ che lam CO so cho Ban di^u hanh trien khai thuc hipn. HDQT cung da giai quyet cac ton dpng trong qua khu ve tai chinh, tiep tuc khac phuc chinh sura theo c&c kien nghi cua Thanh tra Ngan hang Nha nude. II.Kit qua danh gia cua thanh vien dpc lap HDQT ve hoat dpng cua HDQT: 1. Ve quan trj dieu hanh: Theo ki hoach hoat dpng cua HDQT giai doan 2017-2020, trong nam 2017 HDQT da hoan thanh cac npi dung sau: 1.1.Thpc hipn cac nghta vy cua HDQT theo Dieu lp Eximbank va phap luat quy dinh trong tung thai ky. 1.2.Ra soat, cdp nhat Dieu lp ngan hang theo cac quy dinh cua phap lu^t hipn hanh trinh DHDCD thong qua. 1.3.Chi dao xay dpng h thong xep h^ng tin dpng npi bp. 1/6
1.4.Tai ciu true toan dien cac mang hoat dpng Pong ngan hang thong qua dinh hudng, chi dao, ho Pp va giam sat vipc trien khai tai cau true theo de an cua Ban quan ly dp an "New Eximbank", bao gim: i. To chuc lai Uy ban, Hpi dong Ppc thupc HDQT. ii. Sip xip lai nhan sp Ban Ting giam die cho phu hpp vdi ca ciu ti chuc mdi cua dp an t&i cau true va chien lupc Eximbank. iii. Sap xep lai cac Khoi tai Hpi sp. iv. Chi dao danh gia hieu suit lam viec cua nhan vien thong qua nghien cuu va ap dpng bp Chi so do ludng hipu suat cong vipc (KPI). v. Thong qua chu truang tap Pung phat Pien the manh cua Eximbank la tai Pp thuong m^i va thanh toan. 1.5.Dinh hudng, chi dao va giam sat kit qua thpc hien cua Ban diiu hanh lien quan den ke hoach kinh doanh hang nam phu hpp mpc tieu va lp trinh cua dp an Tai ciu true va chiin lupc Eximbank, chii Pong chit lupng ting tai san va giai quyet cac van de ton dpng ve tai chinh. 1.6.Ho Pp Ban diiu hanh tich epe xu ly np xiu, va np co vin di. 1.7.Chi dao trien khai phuong phap quan Pi von va rui ro theo chuan Basel II. 1.8.Thong qua ki hoach diu tu nang cip va phat Piin mdi he thing ATM phu hpp chien lupc md rpng mang ludi. 1.9.Thong qua phuong an hpp tac trien khai dp an so 7 Le Thi Hong Gam, Quan 1, Tp. Hi Chi Minh. 1.10.Theo doi, don doc va ho Pp chuyen doi he thong Corebanking de hien dai hda cong nghf ngan hang. Trong nam 2017, HDQT Eximbank da thpc hien day du Pach nhipm theo quy dinh cua Luat Doanh nghiep, Luat Cac to chuc tin dung, Dieu le Eximbank va cac quy dinh phap luat co lien quan. 2. Vi hoat dpng kinh doanh: Vdi dinh hudng dung dan va no lpc cua toan hp thong, Eximbank vupt qua nhieu khd khan va dat cac kit qua kha quan. Mpt si chi tiep chu yiu din 31/12/2017 nhu sau: Tong tai san: 149.370 ty dong, tang 16% so vdi nam 2016. Huy dpng von tur to chuc kinh te va dan cu: 117.540 ty dong, tang 14,8% so vdi nam 2016. Ting du np cap tin dung: 101.399 ty dong, tsng 14,6% so vdi nam 2016, Pong do du np cho vay: 101.324 ty dong, tang 16,6% so vdi nam 2016. Ty le np xdu/ting du np: 2,27%, tuan thu quy djnh cua Ngan hang Nha nude va giam so vdi nam 2016. Ty 1? np xau/tdng du np nam 2016 la 2,95%. Lpi nhuan Pudc thui nam 2017 dat 1.018 ty ding, tang 160% so vdi nam 2016. 2/6
3. Ve tr^ch nhiem moi trir^ng v4 x3 hpi: Trong nam 2017, ben canh hoat ddng kinh doanh cua ngan hang thi trach nhipm ddi vai moi truang va xa hoi cung dupe HBQT quan tarn va ban hanh cac chu truang dd Ban didu hanh tridn khai thuc hien. Cu the trong nam qua, toan the can bp nhan vien Eximbank dupe ngan hang mua them goi bao hiem sue khde ben canh goi bao hiem y te theo quy dinh cua Nha nude Vift Nam. HBQT cung thong qua chu truong thue cong ty tu van lucmg de ho trp tu vin cho ngan hang vd chinh sach luong, thudng canh tranh dam bao thu hut nhan tai cung nhu giu dupe cac nhan sp gidi. Eximbank con cd cac phuc lpi khac cho can bp nhan vien nhu tham quan, nghi mat, to chuc sinh ho^t tap the, hoi thi the thao, van nghd, de tap the can bp nhan vien gan gui, doan ket nhau hem va cung chia se kinh nghipm trong cdng viec cung nhu trong cupc song. Hoat dpng dao tao, tai dao tao cho can bp nhan vien ludn dupe ngan hang chu trpng nham muc dich cap nhat kien thuc nghipp vp, chinh sach cua Ngan hang va cua Nha nude, dam bao nang lpc thpc hien cong vipc cung nhu nang cao chit lupng dich vp phuc vp khach hang, va phat trien hoat dpng kinh doanh. Tiep noi truyen thong tvr nhung ngay dau thanh lap den nay, Eximbank khuyen khich can bp nhan vien cung nhu tao dieu kipn cho Ban chip hanh cong doan va Boan thanh nien tham gia vao cac hoat dpng xa hoi nhu: trao qua cho cac tre em cd hoan canh khd khan, chucmg trinh tiep sue cho cac hpc sinh ngheo cd hoan canh khd khan, va cac chucmg trinh tai trp hpc bong cho sinh vien cac trudng Dai hpc... Cong tac an sinh xa hoi cung dupe Eximbank ung ho nhu: ung hp Uy ban nhan dan thanh pho Can Tho xay dpng nha dai doan kit cho cac ho ngheo; ho trp xay dpng nha dai doan kit xa Long Vinh, Go Cong Tay, Tien Giang; ung hp Bao ngudi lao dpng thuc hien chiin dich "Ky nghi Hdng", ting hp Vp T6 chuc can bp Ngan hang Nha nude ddng gdp Quy hpc bong Ngan hang nam 2017. HI. Hoat dpng cua cac Hoi dong, Uy ban trpc thupc HDQT nam 2017: Trong nam 2017, HDQT da tien hanh sap xep lai cac Hoi ddng, Uy ban true thupc HDQT nham tang cudng hieu qua hoat dpng cua Hpi ddng, Uy ban trong cac Hnh vpc chuyen biet cua ngan hang, phti hpp vdi cac quy dinh cua phap lupt. Tu 15 Hpi ddng, Uy ban true thupc, HDQT da tinh gpn con 8 Hpi ddng, Uy ban tren ca sd cham dut mpt so Hpi ddng, Uy ban, gpp mpt so chtic nang, nhiem vp tucmg tp tai cac Hpi ddng, Uy ban, loai bd nhung chtic nang khdng con phti hpp, ddng thai bd sung mpt sd chuc nang theo yeu cau thuc ti va quy dinh hipn hanh. Cac Hpi ddng, Uy ban da hoat ddng tich epe trong nam qua va hoan thanh nhipm vp theo Quy che hoat ddng cua Hpi ddng, Uy ban. Hoat dpng nam 2017 cua cac Hpi ddng, Uy ban trpc thupc HDQT sau khi nit gpn va tinh gian nhu sau: 1.Hpi dong tin dung trung uang: da to chuc 46 phien hpp va xti ly 283 hd so tin dung. 2.Hoi dongxu ly rui ro va ngan chan n<? qua han: da to chtic 29 phien hpp, 17 lin liy y kien bang van ban, va xir ly 175 hd sa theo tham quyen. 3.Hpi dong dau tu tai chinh: da to chuc 05 phien hpp thao luan ve phucmg an kinh doanh trai phieu; tinh hinh hoat dpng ciia cac doanh nghiep ma Eximbank gdp vdn va dinh hudng cho giai doan sap tdi. 3/6
4.Uy ban nhdn su: da to chuc 24 phien hpp thao lu^n va thong qua cac npi dung quan trpng ve nhan su, bao gdm: -Ke hoach dinh bien nhan s^ hp thong; -Tieu chuan hoa mo ta cong vipc va ap dung chi so danh gia hieu qua cong vipc (KPI); -Ket qua danh gia nhan su va quyet dinh theo tham quyen lien quan tiep nhan, bo nhiem, mien nhipm, bai nhipm, luan chuyen, dieu dpng nhan sp trong he thong. 5.Uy ban quan ly rui ro: da to chiic 05 phien hpp de bao cao hien Pang va quan ly rui ro tdng the tai Eximbank, dong thai kien nghi HDQT mpt so npi dung bao gom: danh muc tin dung, khau vi rui ro hoat dpng va tham quyen tin dpng theo san pham 6.Ban chi &ao du an tai cdu true vd chien lucre Eximbank: da to chiic 08 phien hpp. Tuy tung npi dung, cac phe duyet cua Ban chi dao mang tinh dinh hudng de Ban quan ly dp an tai cau tnic va chien lupc Eximbank phoi hpp voi Ban Tong giam doc trien khai hoac trinh HBQT phe duyet theo tham quyen bao gom: -Binh huang tong quat vh tai ca ciu sa d6 t6 chiic cua Eximbank; -Thanh lap mpt so phong tai Hpi sd theo ca cau to chiic mai; -Cai tien quy Pinh nghipp vp ciia Eximbank; -Chuin hoa mo hinh chiic nang va nhiem vp mpt so Phong/Ban tai Hpi sd va Chi nhanh; 7.Ban chi dao du an thay the Korebank: da to chiic 08 phien hpp va 04 Ian lay y kien bang van ban de cap nhat hipn Pang, tien dp xvr ly, cac vudng mac va chi phi dp phong lien quan trien khai dp an thay the Korebank. 8.Ban chi dao phong chong tham nhung vd toi pham: da to chiic 02 phien hpp thao luan kg hoach phong chong tham nhung va tpi pham nam 2017 tai Eximbank, giao Ban Tdng giam doc ban hanh van ban nhic nhd can bp nhan vien vd viec td giac tham nhung, tpi pham tai dan vi, va nhic nhd cac dan vi Pong he thong hoan tat cac quy trinh, quy dinh npi bp lien quan cong tac phong chong tham nhung va tpi pham tai dan vi, chi dao tang cudng cong tac quan Pi rui ro lien quan tin dung, tien gui, rui ro hoat dpng, phong chong nia tien v.v... Ben canh cac Hpi dong, Uy ban, Ban neu Pen, Eximbank cung cd Ban chi dao ho Pa xu ly kien nghi cua Boan Thanh Pa. Trong nam 2017, Ban nay da to chuc 05 phien hpp xem xet, thpc hien cac phuang an va bien phap de thuc hien chinh sira theo cac kidn nghi cua Thanh Pa Ngan hang Nha nude tai cac Ket luan thanh Pa con ton dpng. IV. Ket qua giam sat cua HDQT doi vdi Ban Tong giam doc: Trong nam 2017, HBQT da quyet dinh budc dpt pha d cap cao nhat do la viec td chuc lai Hpi sd chinh de hoan thanh sir mpnh cua Eximbank nham "tao ra gia Pi cho tat ca cac ben lien quan bao gom khach hang, co dong, nhan vien va cpng dong thong qua tang trudng lien tuc Pong hoat dpng kinh doanh". Mpc tieu cua quyet dinh nay la tinh gpn bp may quan ly tu 15 thanh vien thanh 07 thanh vien Ban Tdng giam doe va nang cao hieu qua cua qua trinh ra quyet dinh. 4/6
Vf quan tri: Vif c kifm tra, giam sat d6i vai Ban T6ng Giam d6c vf vifc thpc hifn Nghi quyft ciia Dai hoi dong co dong, cac Nghi quyft, chi dao cua HDQT dupe cac thanh vifn HDQT thuc hien thuang xuyen thong qua cac hoat dpng cua HDQT va cac Hpi dfng, Uy ban true thuoc HDQT dupe neu tren. Kft qua hoat dpng cua Eximbank nam 2017 da co nhifu khai s^c. Lpi nhuan truac thue vupt kf hoach dupe DHDCD giao, tang trudng 6n dinh, cac chi tifu an toan tai chinh dupe tuan thu, nhifu khoan np xau dupe xir ly, np qua han dupe kiem soat tft, ho^it dpng tai co cau tiep tuc va mang lai mpt so ket qua dang khich If. V.Thu lao, chi phi hoat dpng vk cac lpi ich khac cua HDQT: Trong nam qua, HDQT Eximbank da co nhung chii truong, dinh huong dung dan va cac chi dao sat sao, kip thai, dem den nhung ket qua hoat dpng kha quan cho ngan hang, the hien thong qua ede chi tieu tai chinh ca ban nhu tong tai san, v6n huy dpng, du np cho vay deu dat va vupt ke hoach. Lpi nhuan truac thue nam 2017 theo bao cao hop nhat da ki^m toan dat 1.018 ty dfng, vupt 69,6% ki hoach da dupe DHDCD thuang nien thong qua ngay 21/4/2017. Mac du vfy, HDQT vln duy tri thu lao va chi phi hoat dpng a muc hap ly va tiet kiem, cp the nhu sau: -T6ng muc thu lao cua HDQT nam 2017 dupe DHDCD thong qua la 2% lpi nhufn truac thue, tuang duang 20,4 ty dong; miic HDQT da chi la 20 ty dong. -Ngan sach hoat dfng cua HDQT nam 2017 dupe DHDCD thong qua la 5,5 ty d6ng; thuc tf HDQT da chi cho cac hoat dpng trong nam 2017 la 5,012 ty dong. VI.Cac ke hoach hoat dpng cua HDQT nam 2018: Nam 2018 Eximbank se ti6p tuc gap cac thach thuc mai. HDQT da dinh huang va chi dao Ban T6ng giam d6c tiep tpc thpc hifn cac nhiem vu, k^ hoach hopt dpng ciia HDQT trong nam 2018 vai cac uu tien sau day: 1.Hoan thanh kf hoach kinh doanh nam 2018 vai mpt s6 chi tieu chu yf u sau: T6ng tai san: 178.000 ty d6ng, tang 19% so vai nam 2017 Huy dpng vdn: 148.000 ty dong, tang 26% so vai nam 2017 Du np cap tin dpng: 113.560 ty ddng, tang 12% so vai nam 2017.Ty If np xau/tong du np: < 3% Lpi nhuan truac thue: 1.600 ty d6ng, tang 57% so vai nam 2017 2.Trinh DHDCD siia d6i, b6 sung Difu If, Quy chf t6 chiic va hoat dpng cua HDQT va Quy chf quan tri npi bp phu hpp vai cac quy dinh phap luat hifn hanh va thuc tien vpn hanh cua to chuc. 3.Thpc hifn hifn dpi hoa c6ng nghf ngan hang thong qua vifc chuyen doi thanh cong hf thdng ngan hang loi (Core-bank System). 4.Xay dung hanh lang phap ly npi bp thong qua chi dao ra soat, sua d6i, cap nhat, ban hanh quy trinh quy chf df quan ly rui ro: rui ro thanh khoan, rui ro tin dung, rui ro thi truang, rui ro hoat dpng; rui ro danh tif ng. 5.Xay dung thuang hifu, hinh anh Eximbank theo huang df nhpn difn, than thifn, bai ban va chuyfn nghifp. 5/6
6.Hoan thipn mo hinh to chiic, t6 chiic l^i cac phong ban Hpi so thupc Kh6i va hoan thien mo hinh kinh doanh t^i dcm vj. 7.Tiep tuc tap trung hoa tac nghipp v^ v^n hanh. 8.Danh gia l^ii mang ludi hoat dong, phan b6 m^ng luoi theo tinh hinh th\rc t8 va phu hop chi^n lupc kinh doanh cua Eximbank. 9.Thuc hien vi^c tim kiem doi tac chien lupc de trien khai d\i an s6 7 Le Thi Hong Gam, Quan 1, Thanh ph6 H6 Chi Minh. 10.Chi dao va giam sat cac hoat dpng cua ngan hang gin li^n vdi d6 4n tdi co ciu va xu ly np xau. 11.Thuc hien c^c nghla v\i cua HDQT theo Dieu 1? Eximbank va phap lu Lt quy dinh trong timg thai ky. Vai npi dung tren, HDQT kinh trinh DHDCD xem xet thong qua. Tran trpng, TM. HQI DONG QUAN TRI CHU TICH Le Minh Quoc 6/6