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Bằng đam mê xây dựng một định chế tài chính vững mạnh, mang lại giá trị đích thực cho khách hàng, cổ đông, nhân viên và toàn xã hội, Hội đồng quản trị, Ban điều hành và toàn thể cán bộ nhân viên Ngân hàng luôn nỗ lực phát triển vì một TPBank bền vững và hiệu quả. Với tuyên ngôn thương hiệu “Vì chúng tôi hiểu bạn”, TPBank mong muốn lấy nền tảng của “sự thấu hiểu” khách hàng để xây dựng phong cách chất lượng dịch vụ ngân hàng hàng đầu. Dựa trên nền tảng công nghệ tiên tiến và trình độ quản lý chuyên sâu, TPBank là ngân hàng luôn tiên phong trong các xu hướng dịch vụ ngân hàng hiện đại, hướng tới mục tiêu trở thành Ngân hàng số hàng đầu tại Việt Nam. Pioneering in digitalizing banking services & taking customers under- standing as the platform for all activities, TPBank has always been aiming to become the number one digital bank of Vietnam. TPBank’s digitalized products and services has been more and more diversified and user – friendly, by which we aim to build a manner of continuous and superior quality services. The Board of Directors, Board of Management and all TPBank staff always work towards the goal of building TPBank into a strong, stable and efficient bank so that we can bring sustainable values to our customers, shareholders and investors. Pioneering in digitalizing banking services & taking customers under- standing as the platform for all activities, TPBank has always been aiming to become the number one digital bank of Vietnam. TPBank’s digitalized products and services has been more and more diversified and user – friendly, by which we aim to build a manner of continuous and superior quality services. The Board of Directors, Board of Management and all TPBank staff always work towards the goal of building TPBank into a strong, stable and efficient bank so that we can bring sustainable values to our customers, shareholders and investors. CONTENT
Message from the Chairman 06 - 07
Overview 09 - 23
2017 Activity Report 24 - 35
2017 Financial Statements 38 - 65
2017 Corporate Governance 66 - 73
2018 Business Plan 74 - 81
Branch Network 82 - 83
Correspondent & Agent Banks 84 - 86 CONTENT
Message from the Chairman 06 - 07
Overview 09 - 23
2017 Activity Report 24 - 35
2017 Financial Statements 38 - 65
2017 Corporate Governance 66 - 73
2018 Business Plan 74 - 81
Branch Network 82 - 83
Correspondent & Agent Banks 84 - 86 MESSAGE FROM THE CHAIRMAN
Ladies and Gentemen,
In 2017, the Banking and Finance sector strongly marked with an average profit growth of over 44.5% along with a positive picture of Vietnam economy. In that context, TPBank has achieved a great success exceeding all financial targets assigned by the General Meeting of Shareholders: achieving the growth of 70% and the profit of VND 1,206 billion, joining in the group of trillion-profit banks in Vietnam for the first time. This sweet fruit is the result of not only the work of the Board of Management (BOM), the Board of Directors (BOD) and thousands of hearts and minds with sweat and efforts of TPBank’s employees but also the support of our Shareholders, Customers and Partners. On behalf of BOM and BOD, I would like to send my gratitude to all of you.
In 2017, TPBank has done important work in developing internal resources and welcoming a new shareholder, bringing new strength to the Bank. TPBank accepted an additional foreign investor, PYN Elite Fund, enhancing the power of its foreign capital and presenting its prestige to investors. In the big progress on digital banking, TPBank has continued to build and complete an ecosystem of digitalized and close-linked products and services including mPOS, eBank, LiveBank, QuickPay, Savy as well as dynamic and modern card products, bringing more convenience to customers.
From its inception to the restructuring period and achieving successes as of today, TPBank has taken a long step in its business and operation. For the first time, we are ranked among the top 10 banks in Vietnam, the Top 500 strongest banks in Asia Pacific (AB500) according to the independent evaluation of The Asian Banker, an Asian prestigious financial and banking organization. This is not only an acknowledgment and a challenge, but also a prerequisite for TPBank to get ready for 2018, continuing "Tien Phong outreaching", celebrating two most important events in the path of TPBank development: 10th anniversary and the stock-market-listing.
To inherit and promote the foundation and experience gained in 2017, on the road to build a strong financial institution, TPBank identifies that 2018 will be the year of five key objectives: superior product, adept profession, teamwork, discipline, and efficiency.
I believe that, under the direction of BOD and BOM, the support of Shareholders, Customers, Partners and the persistence of nearly 5.000 employees of TPBank, we will continue to innovate and seize new opportunities to get ready to conquer the peak and reach new heights in the future.
Chairman, Board of Directors Do Minh Phu
6 tpb.vn MESSAGE FROM THE CHAIRMAN
Ladies and Gentlemen,
In 2017, the Banking and Finance sector strongly marked with an average profit growth of over 44.5% along with a positive picture of Vietnam economy. In that context, TPBank has achieved a great success exceeding all financial targets assigned by the General Meeting of Shareholders: achieving the growth of 70% and the profit of VND 1,206 billion, joining in the group of trillion-profit banks in Vietnam for the first time. This sweet fruit is the result of not only the work of the Board of Management (BOM), the Board of Directors (BOD) and thousands of hearts and minds with sweat and efforts of TPBank’s employees but also the support of our Shareholders, Customers and Partners. On behalf of BOM and BOD, I would like to send my gratitude to all of you.
In 2017, TPBank has done important work in developing internal resources and welcoming a new shareholder, bringing new strength to the Bank. TPBank accepted an additional foreign investor, PYN Elite Fund, enhancing the power of its foreign capital and presenting its prestige to investors. In the big progress on digital banking, TPBank has continued to build and complete an ecosystem of digitalized and close-linked products and services including mPOS, eBank, LiveBank, QuickPa y, Savy as well as dynamic and modern card products, bringing more convenience to customers.
From its inception to the restructuring period and achieving successes as of today, TPBank has taken a long step in its business and operation. For the first time, we are ranked among the top 10 banks in Vietnam, the Top 500 strongest banks in Asia Pacific (AB500) according to the independent evaluation of The Asian Banker, an Asian prestigious financial and banking organization. This is not only an acknowledgment and a challenge, but also a prerequisite for TPBank to get ready for 2018, continuing "Tien Phong outreaching", celebrating two most important events in the path of TPBank development: 10th anniversary and the stock-market-listing.
To inherit and promote the foundation and experience gained in 2017, on the road to build a strong financial institution, TPBank identifies that 2018 will be the year of five key objectives: superior product, adept profession, teamwork, discipline, and efficiency.
I believe that, under the direction of BOD and BOM, the support of Shareholders, Customers, Partners and the persistence of nearly 5.000 employees of TPBank, we will continue to innovate and seize new opportunities to get ready to conquer the peak and reach new heights in the future.
Chairman, Board of Directors Do Minh Phu
ANNUAL REPORT 2017 7 Tien Phong Commercial Joint Stock Bank (TPBank) was founded on May 5 2008 with strategic shareholders that own expertise and financial strength including: Doji Gold and Gems Group FPT Corporation, Vietnam National Reinsurance Corporation (Vinare), SBI Ven. Holdings Pte.Ltd (Singapore), International Finance Corporation - IFC (a member of World Bank) and PYN Elite Fund. With an initial charter capital of over VND 2,000 billion, TPBank has grown steadily, achieved outstanding business results and repeatedly been recognized as a prestigious financial institution as the Best Bank in Vietnam. After 10 years of operation, TPBank’s total assets have exceeded VND124 trillion; It has joined the group of medium-sized banks with the 2017 profit of over VND1.2 trillion.
TPBank always strives to offer the most effective banking and financial solutions and products, targeting young and dynamic segment, aiming at being the pioneer in setting trends in modern banking services and becoming the Leading Digital Bank in Vietnam. With its current technology infrastructure, TPBank has many advantages in applying advanced technology to automatically implement banking services, product development, and high-technology based e-banking services. It provides a digital transaction enviroment with services such as: TPBank eBank, eBank Biz, TPBank QuickPay ...etc. that have been appealed to customers by their convenience, quickness, safety, and efficiency, developing cash-free payment habits for a large number of customers. TPBank is also the first bank in Vietnam that successfully launched model of 24/7 Automatic Bank called TPBank LiveBank, allowing customers to make almost all basic transac- tions as they can do at a bank counter and especially customers can interact with remote tellers via video call and this model has received many positive feedbacks. In 2017, TPBank also launched TPBank QuickPay - a money transfer mobile app using QR code, bringing a variety of benefits to customers of different ages.
With such efforts, TPBank has received multiple rewards: Certificate of Merit by Hanoi People's Committee, Best Auto-Loan Product in Vietnam, Vietnam Strong Brand Award, Best Internet Bank Vietnam and Best Retail Bank Vietnam ... etc. In 2017, TPBank was ranked as one of the 10 strongest banks in Vietnam by The Asian Banker and among the top 50 most profitable enterprises by Vietnam Report. With the slogan "A deeper understanding", TPBank desires to use the foundation of "understanding” of its customers to build a leading service quality. Understanding to share, understanding to accompany its customers, to create the best and most suitable products and services that bring the highest value added. This is also the compass for a sustainable development that TPBank is aiming for.
8 tpb.vn Tien Phong Commercial Joint Stock Bank (TPBank) was founded on May 5 2008 with strategic shareholders that own expertise and financial strength including: Doji Gold and Gems Group FPT Corporation, Vietnam National Reinsurance Corporation (Vinare), SBI Ven. Holdings Pte.Ltd (Singapore), International Finance Corporation - IFC (a member of World Bank) and PYN Elite Fund. With an initial charter capital of over VND 2,000 billion, TPBank has grown steadily, achieved outstanding business results and repeatedly been recognized as a prestigious financial institution as the Best Bank in Vietnam. After 10 years of operation, TPBank’s total assets have exceeded VND124 trillion; It has joined the group of medium-sized banks with the 2017 profit of over VND1.2 trillion.
TPBank always strives to offer the most effective banking and financial solutions and products, targeting young and dynamic segment, aiming at being the pioneer in setting trends in modern banking services and becoming the Leading Digital Bank in Vietnam. With its current technology infrastructure, TPBank has many advantages in applying advanced technology to automatically implement banking services, product development, and high-technology based e-banking services. It provides a digital transaction enviroment with services such as: TPBank eBank, eBank Biz, TPBank QuickPay ...etc. that have been appealed to customers by their convenience, quickness, safety, and efficiency, developing cash-free payment habits for a large number of customers. TPBank is also the first bank in Vietnam that successfully launched model of 24/7 Automatic Bank called TPBank LiveBank, allowing customers to make almost all basic transac- tions as they can do at a bank counter and especially customers can interact with remote tellers via video call and this model has received many positive feedbacks. In 2017, TPBank also launched TPBank QuickPay - a money transfer mobile app using QR code, bringing a variety of benefits to customers of different ages.
With such efforts, TPBank has received multiple rewards: Certificate of Merit by Hanoi People's Committee, Best Auto-Loan Product in Vietnam, Vietnam Strong Brand Award, Best Internet Bank Vietnam and Best Retail Bank Vietnam ... etc. In 2017, TPBank was ranked as one of the 10 strongest banks in Vietnam by The Asian Banker and among the top 50 most profitable enterprises by Vietnam Report. With the slogan "A deeper understanding", TPBank desires to use the foundation of "understanding” of its customers to build a leading service quality. Understanding to share, understanding to accompany its customers, to create the best and most suitable products and services that bring the highest value added. This is also the compass for a sustainable development that TPBank is aiming for.
ANNUAL REPORT 2017 9 Mr. Vice Chairman Mr. Chairman
Mr. Do Anh Tu was elected as Vice Chairman of TPBank for the term 2013-2018. Mr. Do Minh Phu was elected as Chairman of Tien Phong Commercial Joint Stock Bank (TPBank) for the term Currently, Mr. Tu is also Chief Executive Officer of Diana 2013-2018. Unicharm JSC, a member of Unicharm Corporation, Japan. As one of the leading experts in brand management and Mr Phu is the founder of DOJI Gold & Gems Group – Vietnam’s marketing, Mr. Tu has made enormous contributions in No. 1 private enterprise according to VNR500. Besides, Mr building TPBank brand footprint to the public as of today. Phu is also Vice Chairman of Vietnam Gold Traders Association (VGTA); Member of Vietnam Chamber of In 2013, Mr. Tu was honored to receive the Certificate of Commerce and Industry (VCCI)’s standing committee; Merit from the Governor of the State Bank of Vietnam for Ambassador of the International Colored Gemstone exceptional contributions and achievements in Association (ICA) in Vietnam. implementing the project “Restructuring the system of credit institutions in the period of 2011-2015”; Certificate With his outstanding achievements and contributions to the of Merit from the Governor of the State Bank of Vietnam economy and society, Mr. Do Minh Phu was honored to be for “Outstanding contributions to banking activities in awarded several merits from the Government and senior Vietnam” (in 2014 & 2015). leaders of the states, such as Third-class Labor Medal (2013 & 2014); Certificate of Merit from the Prime Minister for Mr. Tu earned an Associate Ph.D at Czech Technical exceptional contributions and achievements in implementing University in Prague, Czech Republic. the project “Restructuring the system of credit institutions in the period of 2011-2015”; Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to banking activities in Vietnam” (in 2013, 2014 & 2015); Thanh Giong Cup for “Top 100 outstanding entrepreneurs” (2010 & 2016). Mr. Do Minh Phu graduated with Bachelor Degree in Radio & Electronics at Hanoi University of Science & Technology. HỘI ĐỒNG QUẢN TRỊ
Mr. Vice Chairman
Mr. Le Quang Tien was elected as Vice Chairman of TPBank for the term 2013-2018. Currently, Mr. Tien is also a member of FPT Founder Committee. In 2013, Mr. Tien was honored to receive the Certificate of Merit from the Governor of the State Bank of Vietnam for exceptional contributions and achievements in implementing the project “Restructuring the system of credit institutions in the period of 2011-2015”; Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to banking activities in Vietnam” (in 2014 & 2015). Mr. Tien graduated with a Bachelor Degree in Physics, Kishinev State University and earned his Executive MBA at Amos Tuck University (USA).
10 tpb.vn Mr. Do Anh Tu Vice Chairman
Mr. Do Anh Tu was elected as Vice Chairman of TPBank for the term 2013-2018. Currently, Mr. Tu is also Chief Executive OfΩcer of Diana Unicharm JSC, a member of Unicharm Corporation, Japan. As one of the leading experts in brand management and marketing, Mr. Tu has made enormous contributions in building TPBank brand footprint to the public as of today. In 2013, Mr. Tu was honored to receive the CertiΩcate of Merit from the Governor of the State Bank of Vietnam for exceptional contributions and achievements in implementing the project “Restructuring the system of credit institutions in the period of 2011-2015”; CertiΩcate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to banking activities in Vietnam” (in 2014 & 2015). Mr. Tu earned an Associate Ph.D at Czech Technical University in Prague, Czech Republic.
BOARD OF DIRECTORS
Mr. Le Quang Tien Vice Chairman
Mr. Le Quang Tien was elected as Vice Chairman of TPBank for the term 2013-2018. Currently, Mr. Tien is also a member of FPT Founder Committee. In 2013, Mr. Tien was honored to receive the CertiΩcate of Merit from the Governor of the State Bank of Vietnam for exceptional contributions and achievements in implementing the project “Restructuring the system of credit institutions in the period of 2011-2015”; CertiΩcate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to banking activities in Vietnam” (in 2014 & 2015). Mr. Tien graduated with a Bachelor Degree in Physics, Kishinev State University and earned his Executive MBA at Amos Tuck University (USA).
ANNUAL REPORT 2017 11 Ms. gu en Thu a Independent Board Member
Ms. Nguyen Thu Ha was appointed as Independent Board Member of TPBank for the term 2013-2018. Currently, Ms. Nguyen Thu Ha is also Independent Board Member of Smartlink Card Services JSC. Ms. Ha used to hold key positions at key Financial institutions like: Deputy CEO of Vietcombank; Chairwoman of Vietcombank Securities; Chairwoman of Vietnam Card Association, a member of Vietnam Bank Association. Ms. Nguyen Thu Ha earned an MBA Degree from Georgetown University, Washington D.C., USA.
Mr. Phan Tuan Anh Board Member
Mr. Phan Tuan Anh was appointed as TPBank’s Board Member for the term 2013-2018. Currently, Mr. Phan Tuan Anh is also Head of Finance, Mobifone Telecommunication BOARD Corporation. MEMBERS Mr. Phan Tuan Anh earned a Master Degree in Economics, National Economics University. Mr. Pha ong Tu Board Member
Mr. Pham Cong Tu has been the TPBank’s Board Member since its establishment. Mr. Tu is a senior expert in finance and insurance sector. Currently, he is also CEO of Vietnam National Reinsurance Corporation (Vinare). Mr. Tu earned his MBA at United Business Institutes, Belgium and Bachelor of Finance (Accounting) at University of Finance and Accountancy, Hanoi.
Mr. hu o hi a a Vice Chairman Mr. a ong i Board Member
Mr. Shuzo Shikata was appointed as Vice Chairman of TPBank from 04/2016 for the term 2013-2018. Mr. Ha Hong Sik was appointed as TPBank’s Board Member since April 2015. Currently, Mr. Shuzo Shikata is also Head of Foreign Business Mr. Ha Hong Sik has more than 15 years of experiences in banking and finance sector. Development (Financial Services) at SBI Holdings, Inc. and Board He used to hold key positions at various credit institutions such as: Managing Director Member of FPT Capital. of Phnom Penh Commercial Bank; Chief Executive Officer cum Chief Operation Officer With his rich and advanced management experiences at of SBI Royal Securities. Since October 2010, he has been Advisor of FPT Capital. international banks, Mr. Shuzo Shikata, together with SBI Holdings, Mr. Ha Hong Sik graduated with Master Degree at Manchester Business School, UK and Inc., has been supporting TPBank strongly in building and earned his Bachelor Degree in International Relations at Gyeongsang National deploying the strategic development plan. University, Korea. Mr. Shuzo Shikata graduated with a Bachelor Degree in Economics, Ritsumeikan University, Japan.
12 tpb.vn Ms. Nguyen Thu Ha Independent Board Member
Ms. Nguyen Thu Ha was appointed as Independent Board Member of TPBank for the term 2013-2018. Currently, Ms. Nguyen Thu Ha is also Independent Board Member of Smartlink Card Services JSC. Ms. Ha used to hold key positions at key Financial institutions like: Deputy CEO of Vietcombank; Chairwoman of Vietcombank Securities; Chairwoman of Vietnam Card Association, a member of Vietnam Bank Association. Ms. Nguyen Thu Ha earned an MBA Degree from Georgetown University, Washington D.C., USA.
Mr. Phan Tuan Anh Board Member
Mr. Phan Tuan Anh was appointed as TPBank’s Board Member for the term 2013-2018. Currently, Mr. Phan Tuan Anh is also Head of Finance, Mobifone Telecommunication BOARD Corporation. MEMBERS Mr. Phan Tuan Anh earned a Master Degree in Economics, National Economics University. Mr. Pham Cong Tu Board Member
Mr. Pham Cong Tu has been the TPBank’s Board Member since its establishment. Mr. Tu is a senior expert in finance and insurance sector. Currently, he is also CEO of Vietnam National Reinsurance Corporation (Vinare). Mr. Tu earned his MBA at United Business Institutes, Belgium and Bachelor of Finance (Accounting) at University of Finance and Accountancy, Hanoi.
Mr. Shuzo Shikata Vice Chairman Mr. Ha Hong Sik Board Member
Mr. Shuzo Shikata was appointed as Vice Chairman of TPBank from 04/2016 for the term 2013-2018. Mr. Ha Hong Sik was appointed as TPBank’s Board Member since April 2015. Currently, Mr. Shuzo Shikata is also Head of Foreign Business Mr. Ha Hong Sik has more than 15 years of experiences in banking and finance sector. Development (Financial Services) at SBI Holdings, Inc. and Board He used to hold key positions at various credit institutions such as: Managing Director Member of FPT Capital. of Phnom Penh Commercial Bank; Chief Executive Officer cum Chief Operation Officer With his rich and advanced management experiences at of SBI Royal Securities. Since October 2010, he has been Advisor of FPT Capital. international banks, Mr. Shuzo Shikata, together with SBI Holdings, Mr. Ha Hong Sik graduated with Master Degree at Manchester Business School, UK and Inc., has been supporting TPBank strongly in building and earned his Bachelor Degree in International Relations at Gyeongsang National deploying the strategic development plan. University, Korea. Mr. Shuzo Shikata graduated with a Bachelor Degree in Economics, Ritsumeikan University, Japan.
ANNUAL REPORT 2017 13 BOARD OF SUPERVISORS
Mr. ento Tokimo i Non-specialized Member of Board Of Supervisors
Mr. Kento Tokimori was appointed as non-specialized member of Board of Supervisors in April 2016, for the term 2013-2018. Prior to joining TPBank, Mr. Kento Tokimori has been holding various positions at SBI Holdings. He is currently Head of Foreign Business Management at SBI Holdings ( Japan). Mr. Kento Tokimori earned his Bachelor of Laws from Sophia University, Japan.
Ms. Nguyen Thi ao Head of Board Of Supervisors
Ms. Nguyen Thi Bao was elected as Head of Board of Supervisors for the term 2013-2018. Ms. Nguyen Thi Bao has also been a senior advisor to TPBank Board of Directors since April 2012. She used to hold key positions at various financial institutions such as Vice Director of Main Operation Center at Vietcombank; Head of Investment & Stock Appraisal Department at Vietcombank. Ms. Nguyen Thi Bao earned her MBA at Université Libre de Bruxelles (ULB) in Hanoi.
Mr. Thai uy Nghia Member of Board Of Supervisors
Mr. Thai Duy Nghia was appointed as Member of Board Of Supervisors for the term 2013-2018. Mr. Thai Duy Nghia joined TPBank from June 2008 and used to hold various positions, such as: Head of Internal Supervision and Quality Control; Head of Direct Supervision; Deputy Head of Internal Audit. He is currently specialized member of Board of Supervisors. Mr. Thai Duy Nghia graduated from Banking Academy, majoring in Finance and Credit.
14 tpb.vn BOARD OF SUPERVISORS
Mr. Kento Tokimori Non-specialized Member of Board Of Supervisors
Mr. Kento Tokimori was appointed as non-specialized member of Board of Supervisors in April 2016, for the term 2013-2018. Prior to joining TPBank, Mr. Kento Tokimori has been holding various positions at SBI Holdings. He is currently Head of Foreign Business Management at SBI Holdings ( Japan). Mr. Kento Tokimori earned his Bachelor of Laws from Sophia University, Japan.
Ms. Nguyen Thi Bao Head of Board Of Supervisors
Ms. Nguyen Thi Bao was elected as Head of Board of Supervisors for the term 2013-2018. Ms. Nguyen Thi Bao has also been a senior advisor to TPBank Board of Directors since April 2012. She used to hold key positions at various financial institutions such as Vice Director of Main Operation Center at Vietcombank; Head of Investment & Stock Appraisal Department at Vietcombank. Ms. Nguyen Thi Bao earned her MBA at Université Libre de Bruxelles (ULB) in Hanoi.
Mr. Thai Duy Nghia Member of Board Of Supervisors
Mr. Thai Duy Nghia was appointed as Member of Board Of Supervisors for the term 2013-2018. Mr. Thai Duy Nghia joined TPBank from June 2008 and used to hold various positions, such as: Head of Internal Supervision and Quality Control; Head of Direct Supervision; Deputy Head of Internal Audit. He is currently specialized member of Board of Supervisors. Mr. Thai Duy Nghia graduated from Banking Academy, majoring in Finance and Credit.
ANNUAL REPORT 2017 15 BOARD OF MANAGEMENT
Mr. Nguyen ung Chief Executive Officer
Mr. Nguyen Hung has nearly 30 years of experience in senior business management in banking and finance sector. He graduated from Banking Academy and earned his MBA, specializing in e-commerce, at North Central University, USA. He was appointed as Chief Executive Officer at Tien Phong Commercial Joint Stock Bank (TPBank) from 04 July 2012. Prior to joining TPBank, Mr. Nguyen Hung used to hold high-ranking management positions such as CEO of Vietnam Prosperity Bank (VPBank) from April 2009 to June 2012; others senior management positions at Vietnam Technological and Commercial Joint Stock Bank (Techcombank) from 2000 to 2009. With his exceptional contributions in building TPBank as one of the most transparent and effective banks in Vietnam, Mr. Nguyen Hung was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for excellent achievements in banking activities.
Ms. Bui Thi Thanh uong Deputy CEO cum Head of Strategic Planning
Ms. Bui Thi Thanh Huong joined TPBank from 9/2012 as Chief Financial Officer and was appointed as Deputy CEO cum Chief Financial Officer in September 2014. From July 2017 until now, Ms. Bui Thi Thanh Huong has been Deputy CEO cum Head of Strategic Planning. Previously, Ms. Huong had years of experiences in banking and finance sector. She used to hold key management positions at various financial institutions such as: Deputy Head of Finance Division, Chief Accountant at Southeast Asia Commercial Joint Stock Bank (SeABank); Auditor at Auditing and Accounting Financial Services Company (AASC), Ministry of Finance. Ms. Huong earned her MBA from The French, Vietnamese Center of Management (CFVG); CPA (Australia) and CPA (Vietnam). She graduated from National Economics University majoring in Audit and Accounting.
Mr. ham Dong nh Deputy CEO cum Head of Operations Division
Mr. Pham Dong Anh joined TPBank since 2007. In 2010, Mr. Pham Dong Anh was appointed as Senior Director of Operations Division. In April 2011, he was appointed as Deputy CEO, in charge of Operations Division, Human Resources & Network Development Division. From August 2012 until now, Mr. Pham Dong Anh has been Deputy CEO cum Head of Operations Division. In September 2014, Mr. Pham Dong Anh was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to the completion of banking tasks in 2012-2013”. Graduating from National Economics University, majoring in Banking and Finance; and Hanoi University, majoring in English language, prior to joining TPBank, Mr. Pham Dong Anh had 14 years of experiences working at VID Public Bank with senior management positions such as: Director of VID Public Bank, Hai Phong Branch; Director of Main Operation Center of VID Public Bank, Hanoi.
16 tpb.vn BOARD OF MANAGEMENT
Mr. Nguyen Hung Chief Executive Officer
Mr. Nguyen Hung has nearly 30 years of experience in senior business management in banking and finance sector. He graduated from Banking Academy and earned his MBA, specializing in e-commerce, at North Central University, USA. He was appointed as Chief Executive Officer at Tien Phong Commercial Joint Stock Bank (TPBank) from 04 July 2012. Prior to joining TPBank, Mr. Nguyen Hung used to hold high-ranking management positions such as CEO of Vietnam Prosperity Bank (VPBank) from April 2009 to June 2012; others senior management positions at Vietnam Technological and Commercial Joint Stock Bank (Techcombank) from 2000 to 2009. With his exceptional contributions in building TPBank as one of the most transparent and effective banks in Vietnam, Mr. Nguyen Hung was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for excellent achievements in banking activities.
Ms. Bui Thi Thanh Huong Deputy CEO cum Head of Strategic Planning
Ms. Bui Thi Thanh Huong joined TPBank from 9/2012 as Chief Financial Officer and was appointed as Deputy CEO cum Chief Financial Officer in September 2014. From July 2017 until now, Ms. Bui Thi Thanh Huong has been Deputy CEO cum Head of Strategic Planning. Previously, Ms. Huong had years of experiences in banking and finance sector. She used to hold key management positions at various financial institutions such as: Deputy Head of Finance Division, Chief Accountant at Southeast Asia Commercial Joint Stock Bank (SeABank); Auditor at Auditing and Accounting Financial Services Company (AASC), Ministry of Finance. Ms. Huong earned her MBA from The French, Vietnamese Center of Management (CFVG); CPA (Australia) and CPA (Vietnam). She graduated from National Economics University majoring in Audit and Accounting.
Mr. Pham Dong Anh Deputy CEO cum Head of Operations Division
Mr. Pham Dong Anh joined TPBank since 2007. In 2010, Mr. Pham Dong Anh was appointed as Senior Director of Operations Division. In April 2011, he was appointed as Deputy CEO, in charge of Operations Division, Human Resources & Network Development Division. From August 2012 until now, Mr. Pham Dong Anh has been Deputy CEO cum Head of Operations Division. In September 2014, Mr. Pham Dong Anh was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding contributions to the completion of banking tasks in 2012-2013”. Graduating from National Economics University, majoring in Banking and Finance; and Hanoi University, majoring in English language, prior to joining TPBank, Mr. Pham Dong Anh had 14 years of experiences working at VID Public Bank with senior management positions such as: Director of VID Public Bank, Hai Phong Branch; Director of Main Operation Center of VID Public Bank, Hanoi.
ANNUAL REPORT 2017 17 BOARD OF MANAGEMENT
Mr. Nguyen Hong uan Deputy CEO cum Head of Risk Management Division Mr. Nguyen Huu Thanh Head of Legal and Compliance Mr. Nguyen Hong Quan was appointed as Deputy CEO cum Head of Risk Management Division since 01 February 2012. Prior to Mr. Nguyen Huu Thanh joined TPBank since May 2011 and was appointed as Head of Legal and Compliance in May 2015. joining TPBank, Mr. Quan had 15 years of experiences in Banking Mr. Thanh has 18 years of experiences in banking legal. Prior to joining TPBank, Mr. Thanh used to work at the State Bank and Finance sector and used to hold important positions at of Vietnam; and then became Deputy Head of Legal and Compliance at Techcombank. various commercial banks and investment banks. He used to be Mr. Thanh earned his Master of Laws at the State Institute of Laws, Hanoi and Master of Public Policies at Tsukuba Head of Risk Management, Deputy Head of Internal Compliance University, Japan. & Control Division at Citibank Vietnam; Acting CEO of An Binh Mr. Dinh an hien Securities. Mr. Nguyen ie Anh Deputy CEO cum Head of Retail Banking Mr. Quan earned his Executive MBA at Asian Institute of Technology (AIT). Previously, he earned a Bachelor Degree in Deputy CEO cum Head of Treasury and Capital Market International Trade at Foreign Trade University, Hanoi and Mr. Dinh Van Chien has held the position of Head of Retail Banking Bachelor Degree in Economics at University of Transport and of TPBank sine December 2013. In April 2016, Mr. Chien was Communications. Mr. Nguyen Viet Anh was appointed as Deputy CEO cum Head of Treasury and Capital Market in March 2011. appointed as Deputy CEO cum Head of Retail Banking. Mr. Nguyen Viet Anh earned his MBA from Washington University, USA. Previously, he graduated from Vietnam National University, Hanoi and Diplomatic Academy of Vietnam. Prior to joining TPBank, Mr. Chien had more than 18 years of Prior to joining TPBank, Mr. Viet Anh has more than 10 years of experiences working at Techcombank and held important experience in banking and finance, as well as marketing. He held positions, such as Head of Treasury and Financial Market; CEO of Techcom Capital; Director of Foreign Exchange and various positions at both local and international institutions, such Derivative Products Center; Director of the Commodity Exchange Center; Head of Currency and Forex Trading Division. as Deputy Head of Card Center, Director of Visa & MasterCard Project at Vietcombank; Head of Marketing at Johnson & Johnson Vietnam; Senior Manager at OCBC (Singapore), in charge of Global Personal Financial Services; Director of Product Development Mr. hu an Hoa Center, Retail Banking at VPBank since 2011. Deputy CEO cum Head of Corporate Banking In 2015, Mr. Chien was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding Mr. Khuc Van Hoa was appointed as Deputy CEO cum Head of Sales and Distribution in September 2012. From June 2015, contributions to the completion of banking tasks in 2014-2015”. Mr. Hoa was appointed as Deputy CEO cum Head of Corporate Banking. Mr. Chien earned his Bachelor Degree from Foreign Trade Mr. Hoa earned his MBA from The French, Vietnamese Center of Management (CFVG). Prior to joining TPBank, Mr. Hoa University; Master of Banking and Finance at Notre Dame, Indiana, used to hold key management positions at Technological and Commercial Bank (Techcombank) and Military Bank (MB) USA under Fulbright Scholarship Program. such as: Deputy Head of Risk Management; Director of SME Credit Center; Regional Director of Techcombank; Deputy Head of Big Corporations of MB.
18 tpb.vn BOARD OF MANAGEMENT
Mr. Nguyen Hong Quan Deputy CEO cum Head of Risk Management Division Mr. Nguyen Huu Thanh Head of Legal and Compliance Mr. Nguyen Hong Quan was appointed as Deputy CEO cum Head of Risk Management Division since 01 February 2012. Prior to Mr. Nguyen Huu Thanh joined TPBank since May 2011 and was appointed as Head of Legal and Compliance in May 2015. joining TPBank, Mr. Quan had 15 years of experiences in Banking Mr. Thanh has 18 years of experiences in banking legal. Prior to joining TPBank, Mr. Thanh used to work at the State Bank and Finance sector and used to hold important positions at of Vietnam; and then became Deputy Head of Legal and Compliance at Techcombank. various commercial banks and investment banks. He used to be Mr. Thanh earned his Master of Laws at the State Institute of Laws, Hanoi and Master of Public Policies at Tsukuba Head of Risk Management, Deputy Head of Internal Compliance University, Japan. & Control Division at Citibank Vietnam; Acting CEO of An Binh Mr. Dinh Van Chien Securities. Mr. Nguyen Viet Anh Deputy CEO cum Head of Retail Banking Mr. Quan earned his Executive MBA at Asian Institute of Technology (AIT). Previously, he earned a Bachelor Degree in Deputy CEO cum Head of Treasury and Capital Market International Trade at Foreign Trade University, Hanoi and Mr. Dinh Van Chien has held the position of Head of Retail Banking Bachelor Degree in Economics at University of Transport and of TPBank sine December 2013. In April 2016, Mr. Chien was Communications. Mr. Nguyen Viet Anh was appointed as Deputy CEO cum Head of Treasury and Capital Market in March 2011. appointed as Deputy CEO cum Head of Retail Banking. Mr. Nguyen Viet Anh earned his MBA from Washington University, USA. Previously, he graduated from Vietnam National University, Hanoi and Diplomatic Academy of Vietnam. Prior to joining TPBank, Mr. Chien had more than 18 years of Prior to joining TPBank, Mr. Viet Anh has more than 10 years of experiences working at Techcombank and held important experience in banking and finance, as well as marketing. He held positions, such as Head of Treasury and Financial Market; CEO of Techcom Capital; Director of Foreign Exchange and various positions at both local and international institutions, such Derivative Products Center; Director of the Commodity Exchange Center; Head of Currency and Forex Trading Division. as Deputy Head of Card Center, Director of Visa & MasterCard Project at Vietcombank; Head of Marketing at Johnson & Johnson Vietnam; Senior Manager at OCBC (Singapore), in charge of Global Personal Financial Services; Director of Product Development Mr. Khuc Van Hoa Center, Retail Banking at VPBank since 2011. Deputy CEO cum Head of Corporate Banking In 2015, Mr. Chien was honored to receive Certificate of Merit from the Governor of the State Bank of Vietnam for “Outstanding Mr. Khuc Van Hoa was appointed as Deputy CEO cum Head of Sales and Distribution in September 2012. From June 2015, contributions to the completion of banking tasks in 2014-2015”. Mr. Hoa was appointed as Deputy CEO cum Head of Corporate Banking. Mr. Chien earned his Bachelor Degree from Foreign Trade Mr. Hoa earned his MBA from The French, Vietnamese Center of Management (CFVG). Prior to joining TPBank, Mr. Hoa University; Master of Banking and Finance at Notre Dame, Indiana, used to hold key management positions at Technological and Commercial Bank (Techcombank) and Military Bank (MB) USA under Fulbright Scholarship Program. such as: Deputy Head of Risk Management; Director of SME Credit Center; Regional Director of Techcombank; Deputy Head of Big Corporations of MB.
ANNUAL REPORT 2017 19 BOARD OF MANAGEMENT
Mr. Nguyen uan Thanh Head of Human Resource Management Division
Mr. Nguyen Xuan Thanh has joined TPBank since June 2014 as Head of Human Resource Management Division. Previously, Mr. Thanh had more than 14 years of experiences in human resources management at Techcombank and VPBank with senior management positions, such as: Head of Human Resources Management; Head of Training & Development. Most recently, Mr. Thanh was Head of Human Resources Management at Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank). Mr. Thanh earned his Bachelor of Economics at National Economics University.
Mr. Nguyen a Hoang Head of Direct Sales
Mr. Nguyen Lam Hoang was appointed as Head of Direct Sales and Alternative Channels in 04 December 2013. Previously, he had years of experiences in banking and finance sector and held important management positions at Techcombank, such as Head of Planning Department, Sales Director in Northern region, Personal Finance and Services Division; 2 Ms. T uong Thi Hoang an Mr. e Hong Na SSP Project Manager in the North cum Vice Director of SSE Center, S&D Division; Head of Sales Center, S&D Division. Head of Investment and Big Corporate Banking Deputy CEO cum Chief Credit Officer Mr. Hoang graduated from National Economics University, majoring in Banking and Finance; and earned his MBA from The French, Vietnamese Center of Management (CFVG). Ms. Truong Thi Hoang Lan joined TPBank since February 2011. Mr. Le Hong Nam joined TPBank since 2009 as Director of TPBank After holding several senior management positions at TPBank, Ho Chi Minh Branch. Since March 2012, Mr. Nam was appointed she was appointed as Head of Investment and Custodian as Deputy CEO in charge of Southern region. Later, he was Mr. ui Quang Cuong Banking in May 2015. In December 2016, Ms. Lan was appointed as Deputy CEO cum Chief Credit Officer. Head of Information Technology Division appointed as Head of Investment and Big Corporate Banking. Graduating as Master of Banking and Finance, Mr. Nam has more In September 2014, Ms. Truong Thi Hoang Lan was honored to than 20 years of experience in the field and held important Mr. Bui Quang Cuong joined TPBank since the establishment project’s early phase in May 2007. receive Certificate of Merit from the Governor of the State positions at credit institutions such as: Head of Credit & Mr. Cuong used to hold key positions, such as: Head of Information Technology Center; Acting Director of Card Center and Digital Bank of Vietnam for “Outstanding contributions to the Investment at Head Office, Shinhan Vina Joint Venture Bank; Bank of TPBank. Currently, Mr. Cuong holds the position of Head of Information Technology Division. completion of banking tasks in 2012-2013”. Director of GPBank Ho Chi Minh Branch; Deputy CEO of Mekong In September 2014, Mr. Bui Quang Cuong was honored to receive Certificate of Merit from the Governor of the State Bank of Ms. Lan has more than 12 years of experiences in banking and Development Commercial Joint Stock Bank. Vietnam for “Outstanding contributions to the completion of banking tasks in 2012-2013”. finance sector. Prior to joining TPBank, she used to be CEO of In 2016, Mr. Nam was honored to receive Certificate of Merit Mr. Cuong has 22 years of experiences in banking and IT sectors. Prior to joining TPBank, he used to hold the positions of Director Viet Tin Securities Joint Stock Company. from the Governor of the State Bank of Vietnam for “Outstanding of Software Center, 3C Company; Head of IT Department, VID Public Bank. Ms. Lan graduated with a Bachelor Degree in Management contributions to the completion of banking tasks in 2014-2015”. Mr. Cuong earned his Bachelor of Science at College of Natural Science, Vietnam National University. Science at Thang Long University.
20 tpb.vn BOARD OF MANAGEMENT
Mr. Nguyen Xuan Thanh Head of Human Resource Management Division
Mr. Nguyen Xuan Thanh has joined TPBank since June 2014 as Head of Human Resource Management Division. Previously, Mr. Thanh had more than 14 years of experiences in human resources management at Techcombank and VPBank with senior management positions, such as: Head of Human Resources Management; Head of Training & Development. Most recently, Mr. Thanh was Head of Human Resources Management at Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank). Mr. Thanh earned his Bachelor of Economics at National Economics University.
Mr. Nguyen Lam Hoang Head of Direct Sales
Mr. Nguyen Lam Hoang was appointed as Head of Direct Sales and Alternative Channels in 04 December 2013. Previously, he had years of experiences in banking and finance sector and held important management positions at Techcombank, such as Head of Planning Department, Sales Director in Northern region, Personal Finance and Services Division; 2 Ms. Truong Thi Hoang Lan Mr. Le Hong Nam SSP Project Manager in the North cum Vice Director of SSE Center, S&D Division; Head of Sales Center, S&D Division. Head of Investment and Big Corporate Banking Deputy CEO cum Chief Credit Officer Mr. Hoang graduated from National Economics University, majoring in Banking and Finance; and earned his MBA from The French, Vietnamese Center of Management (CFVG). Ms. Truong Thi Hoang Lan joined TPBank since February 2011. Mr. Le Hong Nam joined TPBank since 2009 as Director of TPBank After holding several senior management positions at TPBank, Ho Chi Minh Branch. Since March 2012, Mr. Nam was appointed she was appointed as Head of Investment and Custodian as Deputy CEO in charge of Southern region. Later, he was Mr. Bui Quang Cuong Banking in May 2015. In December 2016, Ms. Lan was appointed as Deputy CEO cum Chief Credit Officer. Head of Information Technology Division appointed as Head of Investment and Big Corporate Banking. Graduating as Master of Banking and Finance, Mr. Nam has more In September 2014, Ms. Truong Thi Hoang Lan was honored to than 20 years of experience in the field and held important Mr. Bui Quang Cuong joined TPBank since the establishment project’s early phase in May 2007. receive Certificate of Merit from the Governor of the State positions at credit institutions such as: Head of Credit & Mr. Cuong used to hold key positions, such as: Head of Information Technology Center; Acting Director of Card Center and Digital Bank of Vietnam for “Outstanding contributions to the Investment at Head Office, Shinhan Vina Joint Venture Bank; Bank of TPBank. Currently, Mr. Cuong holds the position of Head of Information Technology Division. completion of banking tasks in 2012-2013”. Director of GPBank Ho Chi Minh Branch; Deputy CEO of Mekong In September 2014, Mr. Bui Quang Cuong was honored to receive Certificate of Merit from the Governor of the State Bank of Ms. Lan has more than 12 years of experiences in banking and Development Commercial Joint Stock Bank. Vietnam for “Outstanding contributions to the completion of banking tasks in 2012-2013”. finance sector. Prior to joining TPBank, she used to be CEO of In 2016, Mr. Nam was honored to receive Certificate of Merit Mr. Cuong has 22 years of experiences in banking and IT sectors. Prior to joining TPBank, he used to hold the positions of Director Viet Tin Securities Joint Stock Company. from the Governor of the State Bank of Vietnam for “Outstanding of Software Center, 3C Company; Head of IT Department, VID Public Bank. Ms. Lan graduated with a Bachelor Degree in Management contributions to the completion of banking tasks in 2014-2015”. Mr. Cuong earned his Bachelor of Science at College of Natural Science, Vietnam National University. Science at Thang Long University.
ANNUAL REPORT 2017 21 ORGANIZATION Annual General Meeting STRUCTURE (AGM)
Board of Supervisors Board of Directors (BOS) (BOD) Operations Human Resources Sound Head Office (OP) (HR) Internal Audit (IA) Chief Excutive Officer Information PR & Marketing Technology (IT) (PRM) (CEO)
Finance & Accounting Risk Management (FA) (RM) Excutive Committee (EXCO)
Credit Legal & Compliance (CR) (LC) Normination & Remuneration Audit and Risk Committee (NORCO) Committee (ARCO)
Assets and Liabilities Credit Committee Committee (ALCO) (CRCO)