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AR+2017+ENG Com.Pdf 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 ..
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