Thuyết trình UNDERSTANDING BANKING SERVICES THROUGH FINANCIAL STATEMENTS OF VIET NAM COMERCIAL BANK

E- BankingPersonal Loan Deposits Savings Current account Currencies: VND, USD, EUR and other currencies Minimum balance: 50,000 VND/10 USD/10 EUR Demand deposit account Currencies:

FINANCIAL INSTITUTION

I FINANCIAL STATEMENT

1 WHAT IS FINANCIAL

STATEMENT?

 Financial statements for businesses usually include income

statements, balance sheets, statements of retained earnings and

cashflows

 It is standard practice for businesses to present financial statements that adhere to generally accepted accounting principles (GAAP) to maintain continuity of information and presentation across

international borders

 Financial statements are often audited by government agencies,

accountants, firms, etc… to ensure accuracy and for tax, financing or investing purposes.

2 Example Financial statements

of Viet Nam commercial bank

II INDIVIDUAL &

COPORATE SERVICES

1 Individual Services

E- Banking

Personal Loan

Deposits Savings

Current account

Currencies: VND, USD, EUR and other currencies

Minimum balance: 50,000 VND/10 USD/10 EUR

Demand deposit account

Currencies: VND, USD, EUR

Minimum balance: 100,000 VND; 10 USD; 10 EUR

Interest rates: Depending on policies of Branch.

E- Banking

Personal Loan

Deposits Savings

Fixed deposit account

 Currencies: VND, USD, EUR

Minimum balance:100,000 VND; 10 USD; 10 EUR.

Term: Up to 60 months.

Interest rate: fixed during deposit term

Interest payment method: Prepayment, Deferred payment and periodic interest payment

Promissory note/Certificate of short-term deposit in VND/USD

Currencies: VND/USD

Term: up to 12 months

Issuance type: Registered bonds, bearer bonds, book entry bonds.

E- Banking

Personal Loan

Deposits Savings

Tich luy Bao An Savings

Tich Luy Bao An Savings ( TLBA Savings) is a type of fixed deposit account, whereby a customer will

deposit a fixed amount steadily and periodically to their account for a certain time to have a large

amount for their future intentions such as buying houses, buying cars, studying abroad

E- Banking

Car loan

Home loan

T-day securities loan

Consumptions installment loan

Loan secured by the mortgage of Valuable

Papers/Certificate of fixed deposit - Discount of Valuable Papers

Unsecured overdraft

Deposits Savings

Personal Loan

Deposits

Savings

Personal Loan E- Banking

 BIDV Business Online

 BIDV Mobile

 BIDV Online

Deposits Savings

Personal Loan E- Banking

Deposits

Savings

Personal Loan E- Banking

•Loan loss provision 7.517.407

Deposits Savings

Personal Loan E- Banking

 Customer Deposits 564.583.061 – raise 28.2% ( 2014 - 440.471.589)

Deposits Savings

Personal Loan E- Banking

 Payable account on behalf of customer

25.515 – decrease 97.2% ( 888.175)

 Interest income from customer’s loan :

39.135.703 – raise 12.3% ( 2014 - 34.865.697 ）

Card Services

Electron

ic banking

Retail operatio

ns

 Retail operations are central to action development and

operational structure of the Bank

 In the period 2011-2015, the average growth rate of goods Net income in retail at 26%

 To 12.31.2015, collect Retail net income reached 8.600

billion, up 92.5% year on year In 2012, accounting for 41%

of total net income of the whole system

Card Services

Electron

ic banking

Retail operatio

ns

 Enough Credit debt reached 140.5 Retail trillion, an

increase of 2.66 times the 2011, accounting for nearly 23%

of total outstanding loans in the sector

 Raise capital population reached 355 trillion, an increase of 1.75 times compared to 2011, accounting 55% share of

Card Services

Electron

ic banking

Retail operatio

Card Services

Retail operatio

ns

Electroni

c banking

 Electronic banking service diversity, good growth the

number of customers as it aims to shift channel distribution

 BIDV has provided to the client a lot of services electronic banking diverse as BSMS, BIDV Online, BIDV Internet

Banking, Mobile BIDV, BIDV Business Online, bill payment, Electronic tax collection, BankPlus services are growth

over the years

 By the end of 2015, nearly 4 million customers use

electronic banking services of the Bank

Card Services

 Card services impressive growth of 43% over the previous year

 Male 2015, the Bank honored with many awards such as: the Bank is the only bank Indochina

Organization Card MasterCard International

awarded 4 awards in 2014-2015 for Bank card

products include breakthrough product approved

Card Services

 Credit Card is the first bank card products branding in the field of tourism with Vietravel; Top 3 banks goods number of international

co-debit cards largest; Top 3 banks sales had the largest merchant; Visa International

Organization awarded the leading bank

payment turnover averaged over Visa credit cards.

 BIDV is the pioneer in continuous innovation,

innovative products and services that provide the best personal financial services, most competitive for customers

 With the expansion of trading networks across the

country ( nearly 1,000 trading rooms) including

many retail trading meet international standards; nearly 24,000 connection points, ATM / POS, the Bank is one of the leading bank-wide network in Vietnam, serving nearly 8 million individual

customers with various financial services, utilities and modern.

2 Coporate Services

CREDIT GUARANTEE

INVESTMENT

DEPOSITS

III FINANCIAL INSTITUTION

Mobilized funds higher than the overall growth of the sector, ensures

a safe balance of liquidity associated with the optimal business

performance.

In 2015, mobilized capital from organizations and individuals reached 658,701 billion (34.7% growth over the previous year, of which 5.6% due

to the merger The market share reached 12.3% raise capital , up 2% from the previous year)

1 CAPITAL MOBILIZATION ACTIVITIES

o Customer deposits reached 564.6 trillion, growing

28.2% over the previous

Capital mobilized structure continues to move positively

o Deposits reached over 518.4 trillion VND,

accounting for 92% of total customer deposits

o The share of term deposits is 81% of total

customer deposits;

o Deposits population reached over 310 trillion, 25%, 55%

=> Total deposits from customers, strengthen its

position as market leader in terms of size and

population density deposits

2 GOLD AND FOREX TRADING ACTIVITIES