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Báo Cáo Thường Niên 2008
NGÂN HÀNG TMCP KỸ THƯƠNG VIỆT NAM

1


2-3

4-7

8

8-9

10

11-12

13

16-21

22-27

30-31
 32-37

5 Tổng doanh thu 8.382    494
 Quỹ dự phòng 512 144   95
7 Lợi nhuận trước thuế 1.600    
 Lợi nhuận sau thuế 1.173    
9 Lợi nhuận thuần/Vốn cổ phần (ROE) (%) 25,87   45,19 31,71
 Lợi nhuận thuần/ Tổng tài sản (ROA) (%) 2,28 1,99   
(Đơn vị: tỷ VNĐ)
2 - 
- 3


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


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

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








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





4 - 
- 5










         

        














         
      

         









      

     
         



    









     
    









        












         

8 - 
- 9

 
 

 
 

 
 




 

 
 
           


 
 




 


  

 
 

 
 
 




           

 
 

        

         

 

        

 
 

 
          

 
 





10 - 

 
 
 
 

 
        



        



1 2 4 53

 
 


 
 
 

 

 
        






 


 
 
         



 
 


 

 
 

          

         

 
 

 


VĂN PHÒNG HĐQT
BAN TỔNG GIÁM ĐỐC
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- P. Nghiệp vụ

           







 
 


 

 
          















- 15
       
         
  





16 - 
- 17
       



       
         






         


         
       



yên trí trúng giải thưởng tiện nghi…










         




          


       











       






         phát
hành thẻ nhanh - hệ thống cung cấp dịch vụ ổn định
- phản ứng yêu cầu trợ giúp khách hàng linh hoạt và
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
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       


         







      










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
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
    





T




           




         







20 - 
- 21










       
















        





         




    



 



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
20082007

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

    




         





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
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        

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
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





















       

     



        
          


        


24 - 
- 25
2004 2005 2006

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






           
         













2004 2005 2006
2007 2008
Hỗ trợ vốn lưu động, kinh doanh, đầu tư

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
26 - 
- 27
     




















      

   

        


Phát hành bảo lãnh





         
      








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Kinh doanh ngoại tệ và giao dịch hàng hóa
tương lai

        



 


 





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

          
         



      





        

 


    
I




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

 
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 
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







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












 




34 - 
- 35


 


 



 

          


Cơ cấu của bảng cân đối được tạo bởi tỷ trọng các
loại tài sản và mức độ đa dạng của chúng là một trong
những yếu tố cơ bản gây ra tổn thất cũng như quyết
định mức độ lãi lỗ của Ngân hàng. Xu hướng tối đa











      

 
 

 

 
       

          

 

 
 

 

       


Rủi ro hoạt động của ngân hàng bắt nguồn từ việc
thiếu hoặc thực hiện sai lệch quy trình nội bộ, lỗi
của con người và hệ thống hoặc từ các sự kiện/yếu
tố bên ngoài.







    




 
      

 

 
 

 

 
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

 
 


 


 


 


 
 









38 - 
- 39
Hỗ trợ hệ thống thanh toán và thanh khoản


















         




















        












40 - 
- 41
15%
3%
82%
PTTH
        
       
         






         


           
































42 - 
- 43



thương hiệu vì
cộng đồng,   






        







      













       

      

    
















        

 
         



 




      
         



 



          







 


         

 


      


         

       









46 - 
- 47

 


 
       


Trích đoạn Tóm tắt các chính sách kế toán chủ yếu Bảng cân đối kế toán hợp nhất Báo cáo lưu chuyển tiền tệ hợp nhất

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