01 Nội dung 02 Nội dung 03 FINANCIAL STATEMENT INDIVIDUAL & COPORATE SERVICES FINANCIAL INSTITUTION I FINANCIAL STATEMENT 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 Example Financial statements of Viet Nam commercial bank II INDIVIDUAL & COPORATE SERVICES Individual Services Deposits Savings Personal Loan E- Banking 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 Retail Electroni operatio c ns banking Card Services  Electronic banking service diversity, good growth the number of customers as it aims to shif 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 million customers use electronic banking services of the Bank Retail operatio ns Electroni c banking 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 awards in 2014-2015 for Bank card products include breakthrough product approved Retail operatio ns Electroni c banking Card Services  Credit Card is the first bank card products cobranding in the field of tourism with Vietravel; Top banks goods number of international debit cards largest; Top 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 million individual customers with various financial services, utilities and modern Coporate Services CREDIT GUARANTEE INVESTMENT DEPOSITS III FINANCIAL INSTITUTION CAPITAL MOBILIZATION ACTIVITIES 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) o Customer deposits reached 564.6 trillion, growing 28.2% over the previous year o Inssuance of valuable papers of over 65.5 trillion, more than times compared to 2014 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 GOLD AND FOREX TRADING ACTIVITIES ...  By the end of 2015, nearly million customers use electronic banking services of the Bank Retail operatio ns Electroni c banking Card Services  Card services impressive growth of 43% over the... investing purposes 2 Example Financial statements of Viet Nam commercial bank II INDIVIDUAL & COPORATE SERVICES Individual Services Deposits Savings Personal Loan E- Banking Current account  Currencies:... Electroni c banking Card Services  Credit Card is the first bank card products cobranding in the field of tourism with Vietravel; Top banks goods number of international debit cards largest; Top banks