Tải bản đầy đủ (.pdf) (100 trang)

báo cáo thường niên ngân hàng thương mại cổ phần liên việt 2009

Bạn đang xem bản rút gọn của tài liệu. Xem và tải ngay bản đầy đủ của tài liệu tại đây (4.43 MB, 100 trang )

BAÁO CAÁO
THÛÚÂNG NIÏN
2009
#e#h#)TS#"MQp%eo#!O#+OM)

www.lienvietbank.net
"@"@
!D\BL"_"_!FD@\Da"_!F
!D!XZB#BL!
 F H_@!\D@"_XZ
 (cn76\n:@5.g:58fn<
 #4.g:5:45\q76:51;.:5
 .V0?cn76\n:j.V:405AVEV:d9
 !DbH?#ZX H@
 "_5`:5@_r05cV00Am.#4f:5.g:4!6\:+6\n@:d9
 "_5`:5@_r05cV0@.n6_n6?bm
 "_5`:5@_r05cV0@.n656:5.V:5
 !EV8a05@;V9@dJ@0Am..:8.W:5j.n;
 _n6j_q:4&A.m:@>a
 .: 6\r9?;.V@
 .:i6\qA5.g:5
 i_n6:4AW0.V:/_nB.g05]:5?.V05j_Y6BbV6:4cbg68.;j_n:4
 (_Y8cbn:4.V:/_n:5f:B6\:
 5\Yj_nj_Y6BbV6#4cbg68.;j_n:4
 BA!"_@!\D@I
 )_r:4@.g6?.m:
 AEj_n:4B_Y:
 c:bn@]:1An:4
 !bn6:5Afn:@>cbV0@5A\Y
 %5.V@@>6\r:0.V05;.n@j_n:41a05BAn
# ? H@BL#Z@!\D@\Z!BbD@\Da


# \FHG??!!BbI
# ??!ZC
# @HG?F

Liùn kùởt Phaỏt triùớn
BAO CAO
THNG NIẽN
2009
#
d9j.W752V<8.n6j.V:51fYA5.6:d9@>cbm::5B.gBcb:9`:50Am.#4f:
5.g:4!6\:+6\n@@>cbV0:5cW:4/6\Y:j_n:40Am.75Am:45;.m:476:5@\Y@.g605]:5@>\:
<5.n9B6@;.g:0fqA!.g9_n@:4f:5.g:4:;:@>2m>:58fn<?.A7569.g@5a
@>cbg:4+6\n@#.9j.W0;V>fY@:56\qA0.V0:4f:5.g:48bV:9.n:5j6@>cbV0#4f:5.g:4
!6\:+6\n@/ajdn@@>;:4@`:5@5\Y0.n:5@>.::56\qA@:)>;:4
/_Y60.m:5j;V/dX:4?cV09.n:5@fn<@5\rBbV6ja:55cbV:4B.g056\Y:8cbn0>;W:
<5.V<jAV:4jdJ:0Am._n6j_q:4&A.m:@>a.: 6\r9?;.V@.:i6\qA5.g:50Ag:4?cn:_[8cn00_Y4dJ:4
0Am.@;.g:@5\rj_n6:4AW0.V:/_n:5f:B6\:#4f:5.g:4!6\:+6\@jcbn0:56\::4
7\r@>\:9;n68k:5Bcn0
5c.jfqE5.6:d9j6B.g;5;.n@j_n:4#4f:5.g:4!6\:+6\:4ja:58.g9_n@:4f:5.g:4
05AE\::456\n<:d:4j_n:4j_r69bV6B.gAE@]:i\Y:@_r:4@.g6?.m:0Am.#4f:5.g:4
!6\:+6\@@Emj_q:48bn6:5Afn:@>cbV0@5A\Yj.n@@Emj_q:45;.g:@5.g:5jbn@@d:4B_Y:
j6\qA8\n@cg8\:@Emj_q:4jc.B.g;5;.n@j_n:4j6\r946.;1a05@>\:@;.g:=A_Y0@5cn0
56\n:jcbn05b:05cb:4@>`:5@cg@56\n:@.g6@>bnD.W5_n6BbV6:4f:?.V054fq:@Emj_q:4jcbn0
#4f:5.g:4#5.g:cbV005^ja:58.g:4f:5.g:4<5An0BAn1cn.V:F%5.V@@>6\r::d:48cbn:4@.V6@.n;B.g9bm
>_n:40.m6@.n;8cbV6j6\n:05;0.V0D.WBAg:4?fABAg:4D.H1;#4f:5.g:4%5.V@@>6\r:05fAK@.g6@>bn
)5cb:456\nA#4f:5.g:4!6\:+6\@cg:4/cbV0jcbn075dZ:4ja:5j_Y6BbV60.V075.V055.g:4
#d98.g9_n@:d90;V:56\qA1cn/.V;75.V0:5.Aj_Y6BbV6?cn<5.V@@>6\r:0Am.:\q:76:5@\Y+6\n@
#.9B.g@5\Y46bV6@>;:45;.g:0.m:575;V75d:0Am.@5bg67EgjfqA9bV65_q6<5An0?.A0A_n075Am:45;.m:4
76:5@\Y)AE:56\:jfE0AW:48.g:d95cV.52n:0;V:56\qA0b5_n6@_Y@05;5;.n@j_n:40Am.#4f:5.g:4
!6\:+6\n@+bV6056\Y:8cbn05;.n@j_n:4@cg:d9@>bmj68.g ;+YM0]YM764U`6+%[0+/RL66410*

0+VK0*0*Y0+%[0*&%J0.)`+%[0*]Yc7#,OL6%/2+%J664,Od0/%L0+'%J'5%`02+Yd/(T'+87L&%J0
'+)J1-OM6+UL2&%J0&7R08%[-,0+(1%0+]%0W0*6+)1]7J0*37:]T0+'7`%2+%J2.7YL6=#4f:
5.g:4!6\:+6\:5:d98.g:d9>fY@=A.:@>;n:405;?cn/cV@<5.V@.n;@6\q:j\q05;B6\n0
<5fY:jfYA@>:59_n@:4f:5.g:45.g:4jfqA+6\n@#.9
+bV6<5cb:405f9 ;,O0-OM62+%J664,Od0=@5.E9dn@_n6j_q:4&A.m:@>a.:i6\qA5.g:5#4f:
5.g:4!6\:+6\n@@_6@6:@cbm:4?fA?dJ0BbV6?cnAm:45_n5bn<@.V00Am.&AEV75.V055.g:4&AEV0_rj_:4
0.V0j_Y6@.V0@>;:4B.g:4;.g6:cbV00Ag:4:5cW:4:_[8cn00_Y4dJ:475_:4:4cg:40Am.@;.g:@5\r0.V:/_n
:5f:B6\:@>;:4:4f:5.g:4#4f:5.g:4!6\:+6\n@?2W5;.g:@5.g:5@_Y@:5cW:49An0@6\A7\Y5;.n05
056\Y:8cbn046.6j;.n:B.g7\Y5;.n051.g65.n:@>;:4@cb:48.6jc.Ba@5\Y0Am.#4f:5.g:4
!6\:+6\n@8\:@fq90.;9bV6
)>f:@>;n:4t
THệNG IẽồP CUA CHU TếCH HệI ệèNG QUAN TRế
TS#Q#"#
5Am@a05_n6j_q:4&A.m:@>a

www.lienvietbank.net
#4f:5.g:4)5cb:49.n60_r<5fq:!6\:+6\n@
#4f:5.g:4!6\:+6\n@
!62:+62@;6:@(@;07;992>06.8.:7
!62:+62@.:7
(_Y#4AE\[:_:4)>cV<5cbg:4@5aD.W+a)5.:5
@^:5fnA6.:4
Q:4cb:4_:4"6:5
Q:4#4AE\[:icV0cbm:4
 \r@cg:4.gE)_r:446.V9j_Y08.gQ:4!\
_q:4%5;:4


CCC862:B62@/.:7:2@
(_Y%###1;)5_Y:4j_Y0#4f:5.g:4#5.g:cbV0

+6\n@#.90fY<:4.gE
5.6@>cb:45;.n@j_n:4:4.gE@.n6@^:5fnA
6.:4

_:4@E)>.V05:56\n95cWA5.n: %"
THÖNG TIN NGÊN HAÂNG LIÏN VIÏåT
!O0]Yc:]7`
!O0*1L,6W>6
!O0*,%1(T'+6,OM0*0+
!O08,OM66W>66,OM0*0+
\T%'+Q
+7`6T'+\!
!Rd0**,%J/]RM'
\,OL06+1%L,
%9
$)&5,6)
,YM:2+)J2+1%L6]RL0*
%K5RM6+7OM
R0*6:-,Od/61%J0

Liùn kùởt Phaỏt triùớn
BAO CAO
THNG NIẽN
2009
I. LếCH S HOAT ệNG CUA NGấN HANG
VL-,OL06+%[0+.YL2
#4f:5.g:4)5cb:49.n60_r<5fq:!6\:+6\n@:58fn<@52;6fYE<52V<5;.n@j_n:4?_Y
%###1;)5_Y:4j_Y0#4f:5.g:4#5.g:cbV0+6\n@#.90fY<:4.gEB.gjcbn00fY<
6fYE05cV:4:5fn:jd:47EV76:51;.:5?_Y1;(bm \Y5;.n05B.gifqA@c@^:5fnA6.:4
0fY<:4.gE

#4.gE!\[0_:4/_Y6fYE<52V<@5.g:58fn<B.g5;.n@j_n:4#4f:5.g:4)"%!6\:+6\n@
!\[7EV7\_Y6@.V08bV:B.g!\[@>.;46.m60A_n0@56?.V:4@.V0!;4;B.g(8;4.:
#4.gE 5.6@>cb:45;.n@j_n:4#4f:5.g:4)"%!6\:+6\n@@.n6@^:5fnA6.:4
*%[0+0*+Oc-,0+(1%0+
.V0:456\n<BAnB\q76:51;.:5:4f:5.g:4:5c
6#456\n<BAn5AEj_n:4B_Y:@cg5;.n@j_n:4:5fn:@6\q:4cm6<:505cV:405^@6\q:4cm6@>.V6
<56\YAB.g46fYE@bg0;V46.VB.EB_Y:0Am.0.V0@_r05cV0@]:1An:4B.EB_Y::4dJ:5.n:0Am.#4f:5.g:4#5.g
:cbV0B.g5`:5@5cV05AEj_n:4B_Y:75.V0@52;=AEja:5
66#456\n<BAnB\q0fY<@]:1An:405;@_r05cV00.V:5f:1cbV60.V05`:5@5cV0:5c05;B.E056\Y@75fYA
@5cb:4<56\YAB.g46fYE@bg0;V46.V75.V0/.m;8.W:505;@5A\@.g605]:5B.g0.V05`:5@5cV00fY<@]:1An:4
@52;=AEja:5
666a05BAn@5.:5@;.V:B.g:4f:=AEW
6B.V05;.n@j_n:475.V0:5c4;V<B_Y:9A.0_r<5fq:0Am.0.V01;.:5:456\n<@5.946.@5a@>cbg:4
@6\q:@\n76:51;.::58fn<0_:4@E@>cn0@5A_n05;.n@j_n::5fn:
@>;:40.V08k:5Bcn086\:=A.:j\Y:5;.n@j_n:4:4f:5.g:40A:4cV:41a05BAn/.m;56\r9I
#4;.g60.V0:456\n<BAn76:51;.:5@>\:#4f:5.g:4!6\:+6\n@0;g:jcbn0#4f:5.g:4#5.g:cbV0
05;<52V<76:51;.:5@>;:40.V05;.n@j_n:45;.n@j_n:40A:4cV:41a05BAn:4;.n65_Y6/.;4_q9
0A:4cV:40.V01a05BAn@5.:5@;.V:=A_Y0@\Y@5cn056\n:0.V046.;1a059A./.V::4;.n65_Y6@>\:@5a
@>cbg:4:cbV0:4;.g65;.n@j_n:4jfqA@c@>\:@5a@>cbg:4=A_Y0@\YI

www.lienvietbank.net
 5.6@>cb:4%5;g:446.;1a05!6\[A6.656:5.V:5.g#_n6
 )6\Y<j;V:5Am@a05:cbV0#4AE\[:"6:5)>6\Y@@bV6@5d9B.g8.g9B6\n0BbV6#4f:5.g:4!6\:+6\n@
 6\[:>.F!\[7EV7\Y@@5;m.@5Afn:5bn<@.V046cW.#4f:5.g:4%5.V@@>6\r:+6\n@#.9+
B.g#4f:5.g:4!6\:+6\n@B\qB6\n00fY</.m;8.W:5B.EB_Y:05;75.V055.g:41;.:5:456\n<
@.n6!62:+62@.:7
 )>.;@dn:4B.gAm:45_n&AEWs+`:4cbg6:452g;s@^:5&A.m:4#4.W6@Emj_q:4
 )6\Y< j;V: %5;V)5_Y:4 j_Y0 ### #4AE\[: i_q:4)6\Y: @bV6 @5d9 B.g 8.g9 B6\n0 @.n6
#4f:5.g:4!6\:+6\n@
 EV5bn<j_q:4@.g6@>bn46.m6@5cbm:4F)cn5.g;?cm+6\n@HBbV6@_r:476:5<5]4fq:@Emj_q:4

 EV7\Y@5bn<@.V0@;.g:16\n:BbV6)>cbg:4i.n65;n0 6:5@\Y&A_Y01f:
 EV7\Y@8\[@5;m.@5Afn:5bn<@.V0@;.g:16\n:46cW.#4f:5.g:4!6\:+6\n@BbV6)_r:40_:4@E
_r<5fq:.m;56\r9fqA75]+6\n@#.9%+
 )_r05cV08\[j_n:4@5_rDfE1cn:4)>cbg:49fq9:;:.m6&A\Y@dn:405;D.W.m6&A\Y
5AE\n:.m6!d:4@^:5&A.m:4)>a@>a46.V@Emj_q:4
 5bm6 0_:4 DfE 1cn:4 F#5.g @>AE\q: @5_Y:4 B.g)5c B6\n:H)>cbg:4 %)) . i`:5
5AE\n:#4.(b:@^:5)5.:5;V.0;V@>a46.VcbV0@]:54fq:@Emj_q:4
 )6\Y<j;V:)_r:4]@5c#_:4icV0".n:5@bV6@5d9B.g8.g9B6\n0@.n6#4f:5.g:4!6\:+6\n@
 5.6@>cb:45;.n@j_n:4%5;g:446.;1a05)f:%5AV)5.n:5G(bm46.;1a05fnA6.:4
@5aD.W+a)5.:5@^:5fnA6.:4
 Ag:4_:4@E%/fY@j_n:4?.m:.:28698.98.g98\[j_n:4@5_rDfE)>cbg:49fq9:;:
@5_:!.)56\n:D.W).m:_q:45AE\n:.+`.g#_n6BbV6@_r:476:5<5]jfqA@c75;.m:4
@Emj_q:4
 5.6@>cb:45;.n@j_n:456:5.V:5A:4&AfY@@5.g:5<5_Y&A.m:4#4.W6@^:5&A.m:4#4.W6
 5.6@>cb:45;.n@j_n:456:5.V:55bn!bV:@5.g:5<5_Y_q5]"6:5
 5.6 @>cb:4 5;.n@ j_n:4 %5;g:4 46.; 1a05 %5AV "EW c:4 B.g %5;g:4 46.; 1a05
`:5)5bV6@5.g:5<5_Y_q5]"6:5
 )6\Y<j;V:%5;V)5Am@cbV:45]:5<5Am#4AE\[:)56\n:#5f:i.n6@cbV:4%5.n9+d:)>.g
#4AE\:*lEB6\:_n5]:5@>a_n@>cbm:4_n&A_Y0<5;g:4j\Y:@5d9#4f:5.g:4
!6\:+6\n@
 )5_Y:4j_Y0###/.:5.g:5&AE\Y@ja:5?_Y&i###05;<52V<<5.V@5.g:5
46fYE@bg0;V46.V1.g65.n:/dX:4+#:d9BbV6@_r:49\n:546.V@Emj_q:4
 5.6@>cb:45;.n@j_n:456:5.V:5fq:)5b@5.g:5<5_Yfq:)5b
 )_r 05cV0 !\[ 75bm6 0_:4 DfE 1cn:4)>A:4 @f9 6.V; 1An0 G - @\Y D.W)`:5 cb:4
5AE\n: fr9 5\ @^:5 %5AV )5;n 1; #4f: 5.g:4 !6\: +6\n@ B.g )_r:4 46.V9 j_Y0
#4AE\[:icV0cbm:4@.g6@>bnBbV6@_r:446.V@>acbV0@;.V:@Emj_q:4
 %5_Y6 5bn< BbV6 *# 5AE\n: .m6 !d:4 &A.m:4 )>a @_r 05cV0 !\[ 75.V:5 @5.g:5
)>cbg:49fq9:;:.m6&A\Y@.n6D.W.m6&A\Y5AE\n:.m6!d:4@^:5&A.m:4)>aBbV6
@_r:4@>a46.V@Emj_q:4
 )_r05cV0!\[75.V:5@5.g:5)>cbg:4@6\rA5;n0D.W#5f:;g.5AE\n:&A\Y+;W@^:5dJ0#6:5

%J'5VL-,OL0]%J0*'+7J:J0W/

Liïn kïët Phaát triïín
BAÁO CAÁO
THÛÚÂNG NIÏN
2009
 )5.g:58fn<#4f:5.g:4!6\:+6\n@i6\n:@cm
 5bm60_:4DfE1cn:4)>cbg:49fq9:;:05;fY<!.g;).V;)5cbn:4D.W)>A:4!fn<)5cbn:4
@5A_n0BAg:4jfY@Am56.:55Ag:4@<_q5]"6:5BbV6@_r:41cn@;.V:@Emj_q:4
 #4f:5.g:4!6\:+6\n@B.g0_:4@E_r<5fq:69!.9j.W@_r05cV0!\[0_:4/_Y5bn<@.V0
jbWjfqA5AE\n:,]:"fq:@^:5.g6.:4B\q:_n61A:40b/.m:8.g46.;@5_:446.V;1An0B.g
j.g;@.n;0.V:/_nj_q:4@5bg68.g!\[75bm60_:4DfE1cn:40fqA#.!.:5AE\n:,]:"fq:1;5.6
jb:Ba@.g6@>bn
 #4f:5.g:4!6\:+6\n@@>cn0@6\Y<@dn:4=A.g0cVA@>bn05;j_q:4/.g;4dn<75;V75d:BbV6
?_Y@6\q:@>6\nAj_q:4
 EV7\Y@!\[@5;m.@5Afn:5bn<@.V046cW.#4f:5.g:4!6\:+6\n@B.g@>cbg:4i.n65;n0#4;.n6@5cb:4
.g#_n6
 ;.g:@5.g:5jbn@@d:4B_Y:j6\qA8\n@cg@Em8\:@Emj_q:4
 )>.;@6B605;0.V046.V;B6\:@5A_n0BAg:475;V75d:0Am.@^:5)5.:5;V.@56\Y@/a
1.nE5;n005;)>cbg:4)(D.W+k:5)6\Y:5AE\n:+k:5!_n0B.g;n0/_r:4#4AE\[:i.:&A\Y
05;0.V05;n0?6:556\YA5;n00Am.@^:5)5.:5;V.
 5]:5@5cV0<5.V@5.g:505cV:405^@6\q:4cm64561.:5@>\:@;.g:5\n@5_Y:4BbV69\n:546.V
@_Y6@56\rA8.g+#iB.g*(05cV:405^@6\q:4cm6
 5.6@>cb:45;.n@j_n:4%5;g:446.;1a05)>6\nA+6\n@+cb:456:5.V:5)5d:4!;:4
@5.g:5<5_Y.g#_n6
 #4f:5.g:4!6\:+6\n@@>6\r:75.6("(.:76:446.6j;.n:
 )>.;<5fq:=A.g@>a46.V@>6\nAj_q:405;0.V005.VA5;n0?6:5@6\rA5;n0@>A:45;n00b?bm
@.n6@<&AE#5b:B.g0.V0D.WBAg:4B2:/a.m:55cbm:4/bm60b:/.W;?_Y0Am.@^:5`:5ia:5
 )6\Y<j;V:)5Am@cbV:4#4AE\[:)fY:AW:40Ag:4i.n6@cbV:4%5.n9+d:)>.g:4AE\:_n@>cbm:4
_n&A_Y0<5;g:4B.g)5_Y:4j_Y0####4AE\[:+d:6.gA

 #4f:5.g:4!6\:+6\n@B.g)_r:40_:4@E!cb:4@5cn0"6\q:#.9+#$$8.g:5.g
@.g6@>bn05]:50Am.!6\:5;.:2?@6B.88AV.4.n;+6\n@#.98fq:@5cV:5fY@:d9jcbn0
@_r05cV0@.n6@^:5fnA6.:4
 i;.g:0.V:/_n#4f:5.g:4!6\:+6\n@1;)_r:446.V9j_Y0#4AE\[:icV0cbm:41f[:jfqAj.W
8\:jcbg:4?.:4_n:45;g.f:05Am#5f:1f:!.g;:cbV005Am:5.g(.92?j\r@>cn0
@6\Y<0_rBAWi;.g:@5\r@5.;+6\n@#.9B.g@>.;@5cbm:405;0.V0Bfn:j_n:4B6\:j;.n@46.m6DAfY@
?dJ0BbV6@_r:446.V@>a4fq:@Emj_q:4
 5.V:5@5.g:5#5.g)>AE\q:@5_Y:4B.g@5cB6\n:)>cbg:4%)).i`:5@5a@>fY:#4.(b:5AE\n:
#4.(b:@^:5)5.:5;V.1;#4f:5.g:4!6\:+6\n@B.g)56\YA@cbV:4#4AE\[:cWA".n:5DfE
@dn:4BbV646.V@>a4fq:@Emj_q:4
 )_r05cV0#4.gE5_n646.j`:55.g;:d90AWi;V::d99bV6
 )_r05cV0@>.;@5cbm:405;0.V0@fn<@5\rB.g0.V:5f:j;.n@46.m6@>;:40A_n0@56F(.V:476\Y:5.E
B\q)fq9:5`:56\Y:8cbn0)cb:48.6;:jcbg:4<5].@>cbV0!62:+62@.:7HB.g@6\Y:5.g:5
7EV7\Y@)5;m.@5Afn:5bn<@.V046cW._:4j;.g:#4f:5.g:4!6\:+6\n@B.g_:4j;.g:.V;)6\q:<5;:4
#d9 (.m:<5fr9)]:1An:40Am.#4f:5.g:4!6\:+6\n@j.Wjcbn0:4cbg6@6\A1Ag:4@]::56\n9/`:5
05;n:8.g9_n@@>;:40.V01a05BAn@.g605]:55.g:4jfqA@.n6@5a@>cbg:4+6\n@#.9:d9

www.lienvietbank.net
II. TÖÍ CHÛÁC VAÂ NHÊN SÛÅ
R+S0+6Rd'+VJ''7`%*Y0+%[0*,O0#,OL60W/
R+S0+6Rd'+VJ'RL,5U`
+d:<5;g:4
_n6j_q:4&A.m:@>a
5_Y6&A.m:8EV
>Am6>;
5_Y6&A.:5\n
&A_Y0@\Y
5_Y6
#4A_q:B_Y:
5_Y6

5.V055.g:4
.V056:5.V:5(bm6.;1a05#4f:5.g:4i6\n:@cm)6\Y@76\n9cAj6\n:
%&A.m:8EV
'Am6>;
%&A.:5\n
B.g@5a@>cbg:4B_Y:
&A_Y0@\Y
%&A.m:8EVB_Y:% 5.V055.g:4
;.:5:456\n<
% 6\r9@>.76\r9
?;.V@:_n6/_n
5_Y6
)5fr9ja:5
%)5fr9ja:5
%)5fr9ja:546.V
% 6:51;.:5
B_Y:
% 5.V055.g:4
.V:5f:
i&A.m:8EV'Am6>;
i!$
i5]:5?.V05)]:
1An:4B.g#4A_q:B_Y:
iMQMiQo#QpiQ#
RL,]Rc0*7%`064T
%J'":`%0
%0!\

Liïn kïët Phaát triïín
BAÁO CAÁO

THÛÚÂNG NIÏN
2009
.V0_:4@E0;: )>A:4@f9 6:51;.:5
5_Y6#))
.V0jb:Ba_[@>bn
%%5.V<05\Y
%#5f:?cnB.gi.g;@.n;
)0.V056:5.V:5
%#B.g%)(%9bV6
)>A:4@f9)5.:5@;.V:
;>2/.:76:4
+d:<5;g:4
%))=A_Y0@\Y
.@.02:@2>
%).g605]:5 \Y@;.V:
%5fq:0cV:4
.>1C.>2
% \Y5;.n05
056\Y:8cbn0
%".n:48cbV6B.g
,fE1cn:40b/.m:
%".>72@@6:4B.g
&A.:5\n0_:405AV:4
.n@fq:49.n:4B.g
/.m;9fn@
%))@>;:4:cbV0
6\r9@;.V::_n6/_n
%0,Od/51%J6
i#5f:(cnB.g
!cb:4

_:4:45\n@5_:4@6:
B.g#4f:5.g:4i6\n:@cm
DE!DbH?D@ G_XZ!B#BL!I

www.lienvietbank.net
R+S0+6Rd'+VJ'+,0+%J0+ U`*,%1(T'+
?\DA
!Rd0*+UL2OM61%J0
*Y037:K
7%`0.:J6P0
(7L0*
+%J'++%[0*
6\r9@>.
6\r9?;.V@
\Y@;.V:)5fr9ja:5
).g6?.m:j.m9/.m;
%5.V@@>6\r:
76:51;.:5
\Y5;.n05@_r:4
5bn<#4A_q:B_Y:
)2882>&A.m:8EV@]:
1An:4
5.V055.g:4
;.:5:456\n<
.g:505]:5
#5f:?cn
&AEW_[@>bn@]:
1An:4
5.V055.g:4
.V:5f:

)5fr9ja:5
).g6@>bn
@5cb:49.n6
DE!DbH?? G_F
XZ!B#BL!I

Liïn kïët Phaát triïín
BAÁO CAÁO
THÛÚÂNG NIÏN
2009
n D0*VU0*R0*,0+ 5Am@a05i&)
n D0**7:ON0\VJ'VU`0* %5;V05Am@a05i&)
n D0*!4Yc0#W0!^0+ )5.g:5B6\:i&)
n D0**7:ON0\VJ'V` )5.g:5B6\:i&)
n %[#1K!+T,/1%[0* )5.g:5B6\:i&)
n D0**7:ON0\S0+!+W>0* )5.g:5B6\:i&)
n D0*!4Yc0#,OL6!470* )5.g:5B6\:i&)
n D0*\RN#,OL67[0* )5.g:5B6\:i&)
:J.T'+61J/6W>6'7`%%0.%K0+]%L1
RL,]Rc0*37%`064T

www.lienvietbank.net
Q:4 cb:4_:4"6:5
*l)RQMiQo#&*l#)'R
!E\D@@#XA
cm:5f:05AE\::4.g:5+fn@46.Vi.n65;n0 6:5@\Y7\Y5;.n05
:.E8.gi.n65;n0 6:5@\Y=A_Y01f:)_Y@:456\n<:d9
"?!ED!?
(EW=A.:_:4@E,AfY@:5fn<75frA_n&A_Y0
<5;g:40.V:/_n_:4@E,AfY@:5fn<75frA0.g<5\@5A_n0_n

#_:4:456\n<B.g_:4:456\n<@5cn0<5fr9
6.V9j_Y0,]:456\n<DfE1cn:4_:4@E
)5.:5`:5G_n&A_Y0<5;g:4
6\n:8.g5Am@a05_n6j_q:4&A.m:@>a_:4@E0_r<5fq:69
!.95Am@a05_n6j_q:4&A.m:@>a#4f:5.g:4!6\:+6\n@

Liïn kïët Phaát triïín
Q:4 #4AE\[:icV0cbm:4
%$K*l)RQMiQo#&*l#)'R
!E\D@@#XA
cm:5f:)>cbg:4.;0fY<:456\n<BAn#4f:5.g:4G0b?bm
:.E8.gi.n65;n0#4f:5.g:4@5.g:5<5_Y_q5]"6:5G
)_Y@:456\n<:d9
)5.n0?EW&A.m:@>a76:51;.:5"i.n65;n0);A>;#2C
-;>7G;. EgG)_Y@:456\n<:d9
)6\Y:?EW05AE\::4.g:5).g605]:58cA@5_:4@6\q:@\nG;n0
B6\n:#4f:5.g:4G)_Y@:456\n<:d9
"?!ED!?
<
_:4@.V0@.n6#4f:5.g:4#5.g:cbV0G56:5.V:5@5aD.W ;:
)A9BbV60.V005cV01.:5)>cbm:4<5;g:4)_r:45bn<)>cbm:4
<5;g:4)]:1An:4%5;V46.V9j_Y0
<
_:4@.V0@.n6#4f:5.g:4#_:4:456\n<B.g%5.V@@>6\r:#_:4
@5_:+6\n@#.9G56:5.V:5@^:5 ;:)A9BbV60.V005cV0
1.:5)>cbm:4<5;g:4)]:1An:4%5;V46.V9j_Y06.V9j_Y0

%5;V46.V9j_Y06.V9j_Y0(bm46.;1a05:.E8.g56:5.V:5
)5d:4!;:4G#4f:5.g:4#_:4:456\n<B.g%5.V@@>6\r:
#_:4@5_:+6\n@#.9

6\n:8.g%5;V05Am@a05_n6j_q:4&A.m:@>a#4f:5.g:4!6\:
+6\n@
BAÁO CAÁO
THÛÚÂNG NIÏN
2009

www.lienvietbank.net
Q:4 )>fq:+d:)k:5
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
cm:5f:!Afn@)>cbg:4i.n65;n0!Afn@@5.g:5<5_Y_q5]
"6:5)_Y@:456\n<:d9
"?!ED!?
)>bn8EV+fn@@c)>A:4j;.g:G&Af:75A
5;n0B6\:)>cbg:4(EW=A.:!An0=Af:0.V:/_n)>cbg:4.;
jdZ:4+6:529<6050fY</fn0)56\YA@.V
_:4@.V0@.n6_:4@E)#)5cb:49.n6
69!.9:.E8.g_:4@E0_r<5fq:69!.9BbV60.V005cV0
1.:5%5;V6.V9j_Y06.V9j_Y0j6\qA5.g:5
6\n:8.g)_r:446.V9j_Y0_:4@E0_r<5fq:69!.9@5.g:5
B6\:_n6j_q:4&A.m:@>a#4f:5.g:4!6\:+6\n@

Liïn kïët Phaát triïín
Q:4 #4AE\[:icV0cm
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
cm:5f:i.n65;n0)5cb:4:456\n<:.E8.gi.n65;n0)5cb:4
9.n6)_Y@:456\n<:d9
"?!ED!?
6.m:4B6\:)>cbg:4)5cb:49.n6fq:)5b

5AE\:B6\:05]:5?.V05G_n#_n6@5cb:4
:.E8.g_n_:4)5cb:4
5AE\:B6\:76:5@\Y(bm)5cb:49.n6.g#_n6
6\n:8.g6.V9j_Y0_:4@E)# 5.m6c:4@5.g:5B6\:
_n6j_q:4&A.m:@>a#4f:5.g:4!6\:+6\n@
BAÁO CAÁO
THÛÚÂNG NIÏN
2009
www.lienvietbank.net
.g +;W)5a 69;.g:4
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
cm:5f:!Afn@i.n65;n0!Afn@@5A_n0+6\n:i.n65;n0(.g6;g:
:.E8.gi.n65;n0 6:5@\Y@5.g:5<5_Y_q5]"6:5)_Y@
:456\n<:d9
cm:5f: 6:5@\Yi.n65;n0 6:5@\Y@5.g:5<5_Y_q5]"6:5
)_Y@:456\n<:d9
"?!ED!?
6.m:4B6\:)>cbg:4)5cb:4:456\n<!;:4
:
6.m:4B6\:)>cbg:4+fn@46.V)>A:4cb:4
:.E8.gi.n65;n0".>72@6:4@5.g:5<5_Y_q5]"6:5
 \Y@;.V:@>cbm:4_:4@E)#+6\n@%5AV0
_:4@E)#6\n<)5a:5
6\n:8.g%5;V46.V9j_Y0_:4@E)#)@5.g:5B6\:
_n6j_q:4&A.m:@>a#4f:5.g:4!6\:+6\n@

Liïn kïët Phaát triïín
BAÁO CAÁO
THÛÚÂNG NIÏN

2009
Q:4 #4AE\[:i`:5)5dJ:4
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
cm:5f:05AE\::4.g:5,cm8EV@5_:4@6:76:5@\Y/dX:49.VE
@]:5j6\n:@cm 5;.);.V:76:5@\Y)>cbg:4i.n65;n0 6:5@\Y
7\Y5;.n05:.E8.gi.n65;n0 6:5@\Y=A_Y01f:G)_Y@:456\n<
:d9
"?!ED!?
  6.m:4 B6\:)>cbg:4 i.n6 5;n0 6:5 @\Y 7\Y
5;.n05:.E8.gi.n65;n0 6:5@\Y=A_Y01f:
 .V:/_n(cj;.g:&Af:75A)5Amj_
)>bn8EV7\Y5;.n05%5;g:4)5.99cA6:5
j;.g:&Af:75A
)>cbm:4%5;g:4)6:5;n0_:4@E".VE@]:5
"+6\n@#.9
6cW0.V0Ba@>]=A.:@>;n:4@>;:4:4.g:5)6:5;n0+6\n@#.9
:5c%5;V5Am@a05_n6@6:5;n0+6\n@#.9:56\n97Eg+%5;V
5Am@a056\n<5_n6;.:5:456\n<<5fq:9\q9+6\n@#.9
+##(:56\n97Eg
6\n:8.g5Am@a05_n6j_q:4&A.m:@>a76\9)_r:446.V9j_Y0
_:4@E)#)6:5;n0B.g)5cb:49.n6_q:4b)5.g:5
B6\:_n6j_q:4&A.m:@>a#4f:5.g:4!6\:+6\n@

www.lienvietbank.net
Q:4 )>fq:+6\n@)>A:4
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
cm:5f:05AE\::4.g:5);.V:i.n65;n0)_r:45bn<
A1.<2?@A:4.>E)_Y@:456\n<:d9

cm:5f:&A.m:@>a76:51;.:5)>cbg:4&A.m:@>a76:5
1;.:59;?)A07@5A_n0i.n65;n0.>@59;A@5;. EgG
)_Y@:456\n<:d9
"?!ED!?
i.n6AVE@5A_n0%5f:B6\n:i6\n:@cm EW@5Afn@
=Af:?c
.V: /_n _:4 @E 86\: 1;.:5 2:<.06360
@5A_n0)_r:40An0i6\n:@cm@6:5;n0+6\n@#.9
6.V9j_Y0)>A:4@f9<5fq:9\q9_:4@E
_r<5fq:".VE@]:5@>AE\q:@5_:4i6\qA756\r:
  *lEB6\: _n6j_q:4&A.m:@>a#4f:5.g:4
)"%#4;.g6=A_Y01;.:5+6\n@#.9+%.:7
6\n:8.g5Am@a05_n6j_q:4&A.m:@>a_:4@E_r<5fq:,6
9d:4+6\n@)>A:4)_r:446.V9j_Y0_:4@E0_r<5fq:ifqA@c
@.g605]:5/fY@j_n:4?.m:)Q@5.g:5B6\:_n6j_q:4=A.m:
@>a#4f:5.g:4!6\:+6\n@

Liïn kïët Phaát triïín
Q:4 i_[+6\n@Ag:4
)h#+O#QMiQo#&*l#)'R
!E\D@@#XA
EW?c;V.5;n0)>cbg:4 EW?c.;jdZ:4B\q+fn@8EVB.g;V.
5;n00_:4:456\n<@.n6%.>6?%5.V<)_Y@:456\n<:d9
EW?c)5d91;gB.g 5.6@5.V01fqA@5_G)>cbg:4 EW?c.;
jdZ:4fqA75]B.gi_n:40b5;n0%5.V<)_Y@:456\n<:d9

)5.n0?EW&A.m:@>a76:51;.:5";n0B6\n:&A.m:@>a
6:51;.:55fAeA)_Y@:456\n<:d9
"?!ED!?
 0_:4@.V0@.n6%5.V<BbV60.V0Ba@>] EW?cDcm8EV

=AE@>`:5?.m:DAfY@@>;:4:4.g:51fqA75])#%%.>6?
+6\n:;V.1fqA%5.V< EW?c:456\:0cVA%5;g:4#456\:0cVA
@5d91;gB.g75.6@5.V0+6\n:;V.1fqA%5.V<6.V9j_Y0i6\qA
5.g:5!6\:1;.:546cW.!=A6@.6:2);@.8%B.g+6\n:
;V.1fqA%5.V<
6.V9j_Y0i6\qA5.g:5"0 6:?2E;9<.:E
:0%5.V<B.g"EW
)>cbm:4j.n616\n:_:4@E&A.m:8EV&AEWifqA@c
+62@#.9+2?@@.n6+6\n@#.9
6.V9j_Y0i6\qA5.g:5_n6?bm75ABcn0i_:4
#.9K"0 6:?2E;9<.:E:0B.g) 2.>:2E%@2!@1
 i_q:4?.V:48fn<B6\:76\9)_r:446.V9j_Y0
_:4@E&A.m:8EV).g6?.m:B.g@cBfY:);:?;:.<6@.8)5.V6
!.:
6\n:8.g5Am@a05_n6j_q:4&A.m:@>a76\96.V9j_Y0_:4
@E_r<5fq:&A.m:8EVifqA@c!;:4+f:)5.g:5B6\:_n6j_q:4
&A.m:@>a#4f:5.g:4!6\:+6\n@
BAÁO CAÁO
THÛÚÂNG NIÏN
2009

n Q:4+%L/1%K0 U0 )>cbm:4.: 6\r9?;.V@
n Q:4!4Yc0!+%0+!7[0* )5.g:5B6\:.: 6\r9?;.V@
n Q:4*7:ON0#W07[0*VU[0* )5.g:5B6\:.: 6\r9?;.V@
n .g\1%[0!4Yc0+VU0*%0 )5.g:5B6\:.: 6\r9?;.V@
n .g*7:ON0!+T,O0 )5.g:5B6\:.: 6\r9?;.V@
%0,Od/51%J6

Liïn kïët Phaát triïín
BAÁO CAÁO

THÛÚÂNG NIÏN
2009
Q:4 %5.n9;.W:(b:
)'TSl## Op"($K)
!E\D@@#XA
cm:5f:)>cbg:4i.n65;n0).g605]:5 \Y@;.V:.g#_n6:.E8.g
;n0B6\n:).g605]:5)_Y@:456\n<:d9
)5.n0?EW&A.m:@>a76:51;.:5")>cbg:4i.n65;n0
9<.0;. EgG)_Y@:456\n<:d9
"?!ED!?
 .V:/_n_:4@E,AfY@:5fn<75frA)5AmE?.m:
.g#_n6
<_:4@.V0@.n6 6\r9@;.V:#5.g:cbV0BbV60.V0Ba
@>] 6\r9@;.V:B6\: 6\r9@;.V:1;.:5:456\n<#5.g:cbV0
%5;V)>cbm:4<5;g:4@5A_n0 6\r9@;.V:1;.:5:456\n<#5.g
:cbV0)>cbm:4<5;g:4@5A_n0 6\r9@;.V:0.V0@_r05cV0@.g6
05]:5G#4f:5.g:4
6\n:8.g)>cbm:4/.: 6\r9?;.V@#4f:5.g:4!6\:+6\n@

www.lienvietbank.net
Q:4 )>fq:)5.:5)Ag:4
)h#+O## Op"($K)
!E\D@@#XA
cm:5f:05AE\::4.g:5).g605]:5#4f:5.g:4G;n0B6\n:
#4f:5.g:4)_Y@:456\n<:d9
"?!ED!?
_:4@.V0@.n6 5;/.n0#5.g:cbV0@^:5!.g;
.6
 _:4@.V0@.n6#4f:5.g:4)"%%5cb:4
#.956:5.V:5fqA6fYE56:5.V:5.g#_n6B.g56

:5.V:5!;:46\:BbV605cV01.:5j.m9:56\n98.g%5An@>.V05
7\Y@;.V:
6\n:8.g)5.g:5B6\:/.: 6\r9?;.V@#4f:5.g:4!6\:+6\n@

Liïn kïët Phaát triïín
!E\D@@#XA
cm:5f:05AE\::4.g:5 \Y@;.V:0.V0:4.g:5i.n65;n0).g6
05]:5 \Y@;.V:@5.g:5<5_Y_q5]"6:5:.E8.gi.n65;n0
6:5@\Y@5.g:5<5_Y_q5]"6:5)_Y@:456\n<:d9
"?!ED!?
 \Y@;.V:@_r:45bn<_:4@E,fE8dJ<
  \Y@;.V: _:4 @E ,d:4 1fqA 5A Bcn0 
)>cbm:4<5;g:4).g605]:57\Y@;.V:,]:456\n<+fn:@.m6Dd:4
1fqA@5A_n0_:4@E,d:41fqA75ABcn0
 _:4@.V0@.n6_:4@Ea05BAn5.g:475_:4
(f:/.E)f:(b:#5fY@(($BbV60.V005cV01.:5%5;V
<5;g:4 \Y5;.n05).g6BAn)>cbm:4<5;g:4 \Y5;.n05).g6BAn
%5;V<5;g:4).g605]:5=AE\q:)>cbm:4<5;g:4).g605]:5 \Y
@;.V:@>cbm:4
6\n:8.g \Y@;.V:@>cbm:4_:4@Ea05BAn5.g:475_:4(f:
/.E)f:(b:#5fY@(($)5.g:5B6\:.: 6\r9?;.V@
#4f:5.g:4!6\:+6\n@
BAÁO CAÁO
THÛÚÂNG NIÏN
2009
Q:4 #4AE\[:+d:Ag:4cbg:4
)h#+O## Op"($K)

www.lienvietbank.net
!E\D@@#XA

cm:5f:05AE\::4.g:5).g605]:5_:4:456\n<i.n65;n0
).g605]:5 \Y@;.V:@5.g:5<5_Y_q5]"6:5:.E8.gi.n65;n0
6:5@\Y@5.g:5<5_Y_q5]"6:5)_Y@:456\n<:d9
"?!ED!?
 _:4@.V0@.n6(bm).g605]:5@5.g:5<5_Y_q5]
"6:5
 \Y@;.V:@_r:45bn<_:4@E'.A=A.m@5.g:5
<5_Y_q5]"6:5
 \Y@;.V:@_r:45bn<(bm)5cb:49.n6@5.g:5
<5_Y_q5]"6:5
6\n:8.g \Y@;.V:@>cbm:4)_r:40_:4@E)5cb:49.n6(.g6;g:
()')5.g:5B6\:.: 6\r9?;.V@#4f:5.g:4!6\:+6\n@
.g i;.g:)>fq:%5cb:4!.:
)h#+O## Op"($K)

Liïn kïët Phaát triïín
BAÁO CAÁO
THÛÚÂNG NIÏN
2009
.g #4AE\[:)5a!6\:
)h#+O## Op"($K)
!E\D@@#XA
cm:5f:05AE\::4.g:5#4f:5.g:4)>cbg:4.;0fY<
:456\n<BAn:4f:5.g:40b?bm:.E8.gi.n65;n0#4f:5.g:4
@5.g:5<5_Y_q5]"6:5)_Y@:456\n<:d9
"?!ED!?
_:4@.V0@.n6#4f:5.g:4+AW)5cG)5.V6`:5
 \Y@;.V:@.n6#4f:5.g:4&A_Y046.+6\n@#.9
 \Y@;.V:@.n6#4f:5.g:4_:4@5cb:456
:5.V:5@5.g:5<5_Y_q5]"6:5

 5AE\:B6\:)5.:5@>.###56:5.V:5
@5.g:5<5_Y_q5]"6:5
 _:4@.V0@.n6#4f:5.g:4)"%+%.:7BbV6
0.V0 05cV0 1.:5 <5An @>.V05 %5;g:4 6\r9 @;.V: :_n6 /_n
)5.g:5B6\:.: 6\r9?;.V@
6\n:8.g)5.g:5B6\:.: 6\r9?;.V@#4f:5.g:4!6\:+6\n@
  
   

×