Annual Report 2009 - CBBANK · Key performance in 2009 34 The highlighted events in 2009 36 ... focuses on training and managing human resources, ensuring to have young, dynamic and

2 | Annual Report 2009



CONTENTS

Message from the Chairmain of BOD 07Message from General Director 09Overview of Trustbank 10Board of Directors 14Board of supervisors 16Board of Management 17Organizational Chart 18Business Performance Report in 2009 21Other activities 24Network Expansion in 2009 26Auditors’ report 28Consolidated Balance Sheet 30Consolidated Income Statement 32Key performance in 2009 34The highlighted events in 2009 36Awards in 2009 38Business for Community Award in 2009 40Social and charity activities in 2009 42Business Plan 2010 44Branch Network 46



“2010 is considered as the year of challenges for Vietnam economy in

general and Great Trust Joint Stock Commercial bank – TRUSTBank

in particular, but I believe that with broad consensus and strong

determination of all of you, Great Trust Joint Stock Commercial bank

– TRUSTBank will reach a new peak of success.”


Best regards,Chairmain of BOD

HOANG VAN TOAN

MESSAGE FROM THE CHAIRMAN OF BOD

To: Partners, shareholders, clients and The whole staffs of Great Trust Joint Stock Commercial bank – Trustbank !

Ladies and Gentlemen,

On behalf of BOD, I would like to express my frank thanks to all those who have trusted us and been along with us to build the reputation of Great Trust Joint Stock Commercial bank – Trustbank for a long time

2009 is closed, it has been two years from the day Great Trust Joint Stock Commercial bank – Trustbank transformed its organizational structure from Joint stock commercial rural bank to Joint stock commercial urban bank, I am very glad because we has proudly made a good start. In last two years, though global finance crisis directly impacted serious consequence to our economy, Vietnam has overcomed and accomplished the plans.

As a growing bank, we have encountered few initial problems, but with efforts and consensus of the Board of Directors, Board of Management and all staffs, Great Trust Joint Stock Commercial bank –TrustBank has achieved remarkable achievements such as expanding network to 61 branches nationwide with growth rate reached to 259% in comparison with 2008, total assets increased by 185% over 2008 with the firm and safe structure. Thanking to investing in banking technology and human resources effectively, the reputation and brand of Trustbank are obviously improving. On behalf of Great Trust Joint Stock Commercial bank – TrustBank, I would like to acknowledge all efforts, by all members in the recent time. I hope to continue being in support of all members in developing the brand “TrustBank – Trust and Success we share” sticking to the target we have outlined previously.

During the formation and development, Great Trust Joint Stock Commercial bank – TrustBank always takes interest in the benefits of customers, employees and shareholders. For our customers, we guarantee the service quality with brand name Great Trust Joint Stock Commercial bank – TrustBank. For staffs, we create a fairly working environment and preferential treatment policy. For shareholders, we ensure to use the capital effectively and transparently, consider and make a reasonable between immediate and long–term benefit which aims to increase the benefits of shareholders.

2010 is considered as the year of challenges for Vietnam economy in general and Great Trust Joint Stock Commercial bank – TRUSTBank in particular, but I believe that with broad consensus and strong determination of all of you, Great Trust Joint Stock Commercial bank – TRUSTBank will reach a new peak of success. All challenges and difficulties will be resolved in the best way in order to obtain the best reputation, increasingly strong faith for partners, shareholders, customers and all staffs of the Bank.

On behalf of TrustBank I would send my sincere greetings and wishes of health, success and happiness to all of you!


“ TRUSTBank focuses on training management & human resources

to ensure prudent management of the leadership team with the

dynamic and dedication in order to navigate the bank to the best

business results. ”


To: Board of Director , Shareholders, Partners, Customers, and all staffs of Trustbank Dear Board members, shareholders, customers and all staffs of TRUSTBank

Ladies and Gentlemen,

On behalf of the Board of Director, may I convey our sincere thanks to the Board of Members and the shareholders for having entrusted me with the leadership of the entire system of TRUSTBank during the past time .

In the context of world fluctuating economy, as a developing country, Vietnam is affected by financial crisis and global recession. However, the in time macro–regulation policy of the Government and the State Bank has somehow limited the affects on the economy of Vietnam. By the end of 2009, the world economic showed the signs of recovery and return prosperity, it is also advantages for developing countries like Vietnam to face new opportunities and fortune.

In the general context, 2009 was the year marked the boom of the TRUSTBank. Branches and transaction offices have been expanded to 61 points nationwide, located in many large cities and key economic regions in the country. In 2009, total assets of TRUSTBank increased 185% compared to 2008 with solid and safe growth mechanism. The main target of the BOD is thriving, but must ensure the safety of the system, bad debt must be controlled not exceeding 2% of total outstanding loans. TRUSTBank also focuses on training and managing human resources, ensuring to have young, dynamic and professional leaders to achieve the highest productivity.

In recent years, thanks to great management capability and right decisions of the Board of Directors, TRUSTBank has attained remarkable achievements which show precise strategy, paving the way for the next development stages in the coming years.

The strong efforts that our leaders always focus on have accomplished the following objectives:For customers: Always offer innovative solutions to maximize customers’ satisfaction with complete service packages to maintain available customers as well as attract potential ones.For employees: Keep on developing TRUSTBank’s business culture, create an inspiring work environment, gain higher productivity, optimize the income for staffs so that they can devote entirely to TRUSTBank.For Board of Directors and shareholders: Always bring trust, appealing and steady value.For the brand TRUSTBank: Continue to facilitate TRUSTBank to become one of the leading retailer bank in Vietnam, appropriate to the slogan “TRUSTBank – TRUST AND SUCCESS WE SHARE”.

MESSAGE FROM GENERAL DIRECTOR

Best regards,General Director

TRAN SON NAM


OVERVIEW OF TRUSTBANK

Great Trust Joint Stock Commercial Bank, formerly Rach Kien Joint

Stock Rural Bank, was formed on September 1, 1989 – the first

joint stock commercial bank in Long An province. TRUSTBank’s

charter capital has reached VND 1,500 billion since 31 December

2009 with its 61 operation points nationwide.



EstablishmentGreat Trust Joint Stock Commercial Bank, formerly Rach Kien Joint Stock Rural Bank, was founded on September 1, 1989 – the first joint stock commercial bank in Long An province. As of late 2009, TRUSTBank’s charter capital reached VND 1,500 billion its operation points were 61 nationwide.

VisionTo be a professional and modern retail banking, one of the stable financial institutions with efficient management capacity and striving for a financial group that meets international standards.

MissionOptimize and promote management capacity, effectively and safely use capital;Modernize banking technology to better serve the management, administration which will be the foundation for the development of modern and diversified banking services that can meet customer requirements;Establish synchronized, efficient and professional risk management system to ensure the sustainable growth;Develop suitable human resources, rational policies to attract and train more staff with high skills and dedication;Continue to expand the network covering 63 provinces in the country;Diversify investment porfolios through TRUSTBank’s subsidiaries such as fund management companies, securities firms, insurance companies, real estate companies, etc.Build and maintain TRUSTBank brandname throughout its system.

OVERVIEW OF TRUSTBANK (cont)

Our Motto“Security – Efficiency – Development – Sustainability”

Corporate cultureThanks to the experienced leaders and proffessional staffs with their spirit of solidarity and cohesion in all circumstances, TRUSTBank has gained great development and achievements in the past 20 years.

All activities of TRUSTBank are oriented to the customer satisfaction, the expectation from shareholders and the consensus of the entire staff.

TRUSTBank also takes its vital role in the community through delivering its social activities to helpunlucky pepole in life.

TRUSTBank achieves its success today, thanks to each member always

follow the motto:

“SECURITY – EFFICIENCY – DEVELOPMENT – SUSTAINABILITY”


Mr. Nguyen Vinh MauVice Chairmain

Mr. Hoang Van ToanChairmain

“Trustbank promptly responds to the innovation with remarkable

adaptability. In the year of 2010, TRUSTBank will further expand its

operational network, increase investment in technology, improve its

banking services and strengthen financial activity to strive to become

a solid financial institution. These orientations will create a new era of

TRUSTBank – the era of success and glory”

BOARD OF DIRECTORS


Mr. Hua XuongMember

Mr. Tran Son NamMember

Ms. Ngo Kim HueMember

Ms. Lam Hong TrinhMember

Ms. Hoang Thi TamMember


Mr. Le Huu MangMember

Ms. Le Thi LyChief Supervisor

Ms. Tran Thi BichMember

The Board of Supervisors has performed well its task of

supervision for 2009 as entrusted by the shareholders and the

board of Directors the supervisors has made timely warnings and

recommendations in order to ensure the safety and the efficiency

of the bank’s operations with respect to the compliance of rules

and regulations of the State Bank of Vietnam.

BOARD OF SUPERVISORS


Mr. Vo Van ChauAdvisor Board of Directors

Mr. Tran Son NamGeneral Director

Mr. Nguyen Van TungVice General Director

Mr. Do Hoang LinhVice General Director

Ms. Ngo Tri Đuc Vice General Director

Ms. Huynh Thi DoVice General Director

Ms. Lam Hong TrinhVice General Director

Ms. Ngo Kim HueVice General Director

BOARD OF MANAGEMENT

Board of Management of Great Trust Joint Stock Commercial Bank

– TRUSTBank is of the same mind to strive together for common

objectives of the Bank to build TRUSTBank to become a strong

finacial institution.


FINACIAL ACCOUNTING UNITBUSINESS UNIT

FINANCIAL ACCOUTING DEPT

PAYMENT CENTER

COPORATE BANKING DEPT

INVESTMENT & PROJECTMANAGEMENT DEPT

INDIVIDUAL BANKING DEPT

FOREX & INTERNATIONALPAYMENT DEPT

PRODUCT DEVELOPMENT DEPT

VIP SERVICE DEPT

MAIN TRANSACTION OFFICE /BRANCHSES/ SUBSIDIARIES

B.O.D DEPTSUPERVISORY COMMITTEE

INTERNAL AUDIT DEPT

ORGANIZATIONAL CHART


GENERAL SHAREHOLDERS

BOARD OF DIRECTORS

BOARD OF MANAGEMENT

MANAGEMENT UNIT HR ADMINISTRATION UNIT COMMUNICATION TECHNOLOGY UNIT

IT DEPTHUMAN RESOURSE DEPTGENERAL PLANNING DEPT

INTERNAL CONTROL DEPT

CARD CENTERADMINISTRATION DEPTLEGAL & DEBT HANDLING DEPT

NETWORK DEVELOPMENT DEPT

MARKETING DEPTTRAINING CENTEREVALUATION AND RISKMANAGEMENT DEPT

COMMITTEE COUNCIL


TRUSBank has maximized the effectiveness of the use of funds,

ensured its safety ratios and liquidity, diversified its products and

services, improved its professional procedures, restructured its

organization, developed its network and human resources.


Overview

Vietnam economy in 2009 has incurred the serious impacts of global financial crisis and recession. Although Vietnam economy has got the positive growth rate but in 2009 was the year which has the lowest growth rate within 10 years. Economic growth and the growth of industry, agriculture and services in 2009 were lower than the previous year. Total export turnover decreased by 9.3%, import surges up to 21.6% of total export turnover. The mobilization of capital for investment was difficult …

With the determination to prevent the decrease, maintain growth, stabilize macroeconomic, ensure social security, Government and the State Bank have carried out the monetary policy and the credit policy thoroughly and flexibly, the economic stimulus package of government has significantly contributed to the recovery and growth Vietnam Economy in the last months of the year. GDP reached to 5.32%, CPI increased by 6.52% over early 2009. Securities market has gradually recovered and liquidity is getting better.

Accordingly, Trustbank has executed financial guidelines and solutions issued by Government and the State Bank. Moreover we have appropriately adjusted our business plans, balanced treasury and the way to ultilize it, ensured liquidity and safety ratios, rechecked the market and expanded more various fields, implemented new programs, products and applications. Additionally, we keep improving the operation process, organization structure, recruiting more skilled and experienced labour, opening more branches throughout Vietnam...After all, we have retained stabilizing the operations and achieved remarkable effects on business

BUSINESS PERFORMANCE REPORT IN 2009


Total assetsTotal asset till 31/12/2009 reached VND 8.516 Billions, that was an increase of VNĐ 5.526 Billion (185%) in comparison to early 2009. We achieved 118% of our business goals

Charter capitalTill 31/12/2009, charter capital reached VND 1,500 billion, that was an increase of VND 996 billion (198%) in comparison to early 2009, equivalent to 18% of the total capital. This increasing is a good condition of strengthening financial capacity, innovating technology, expanding network, improving competitiveness and our brand

Capital accumulated from economic organization and individualsIn 2009, although it was not easy for local banks to raise capital, Trustbank has still maintained the capital accumulated from economic organization and individuals stably and growingly. That’s the result of issuing the appropriate and flexible interest rates in time in order to create the flexibility for corporations in business; carrying out many mobilization programs with attractive interest ratesTotal capital accumulated from economic organizations and individuals reached VND 30.412 billion. Total capital which was credited to accounts of organization and individuals in 2009 reached VND 27.794 billion, 4 times as much as last year The balance of deposit accounts of economic organizations and individuals was 4.634 billion VND till December 31, an increase of 2.618 billion VND (130%) compared to early year.

Charter capital Total assets

Charter capital & Total assets (VND billion)

31/12/07

31/12/08

31/12/091.500

8.538

1.130504

2.990504

Capital accumulated from economic organization and individuals (VND billion)

31/12/07

31/12/08

31/12/09 4.631

311

2.016

Working Capital

Vốn huy động từ TTCTD và vốn tài trợ ủy thác đầu tưCapital accumulated fromeconomic

organization & individuals 55% 27%

18% Charter capitalCơ cấu nguồn vốn hoạt động đến 31/1/2009

BUSINESS PERFORMANCE REPORT IN 2009 (cont)


Credit operationsIn 2009, TRUSTBank’s credit operation aimed to improve the quality, maintain and expand credit line to Small and Medium Enterprises (SMEs) based on balancing capital resources and capital performance. Besides, TRUSTBank always follows the State Bank of Vietnam’s guidelines and policies of managing monetary market, ensuring safety ratios in operation

Loan Turnover in 2009 reached VND 8.858 billion, collected debt turnover reached VND 5.268 billion, four times greater over the previous year. Total outstanding loans till 31/12/2009 which is 75% of total earning assets reached VND 5.124 billion, up VND3.590 billion (221%) compared to early 2009In the past years, TRUSTBank concentrated on improving credit quality, making great efforts in debt collection, carrying out standby risk policies, ensuring bad debt ratios as stipulation. Outstanding bad debt till 2009/12/31/ was 2.3 billion VND, equivalent to 0.04% of total outstanding loans

Investment operationsTill December 31, 2009, the investment balance reached VND711 billion, an increase of VND 708 billion in comparison with early year, as follows:– Balance of investment was 68 billion VND – Balance of investment, trading securities was VND643 billion, an increase of VND640

billion compared to early year. It divided into 3 groups: + Investment in treasury was 3.8 billion VND + Investment in securities was 600 billion VND + Trading securities was 39 billion VND.

Capital ultilization

Outstanding loan balance (VND billion)

31/12/07

31/12/08

31/12/09 5.214

831

1.624

Investment operations (VND billion)

31/12/07

31/12/08

31/12/09 711

7

4

BUSINESS PERFORMANCE REPORT IN 2009 (cont)

Capital accumulated from State Bank Of Vietnam and other credit organizationsCapital mobilized from inter–bank market in 2009 has made a significant distribution to the total working capital of Trustbank. TillDecember 31, Capital accumulated from State Bank of Vietnam and other credit organizations reached VND 2.186 billion, 6 times greater over early year.

Commissioned investment capitalThe balance till 2009/12/31 was 43 billion VND, increased by 10% compared to early year


Consolidation and improvements (to the) organizational structureIn 2009 TrustBank has continually consolidated, improved organizational structure, carried out banking restructure project, reinforcing operating management, research, adjusted and supplemented regulations, statute, modus operandi timely and appropriately.

Products and services developmentTRUSTBank focused on carrying out our goals to attract customers and expand market share by accomplish the followings:

• Mobilization of products: carrying out actracttive interest rates policies, and promotion programs.

• Credit products: carrying out Loans for consumption, Loans for house construction and renovation, Loans for house, house–foundation purchase, Automobile loan, Loans for small traders, Consumption loans for employees, and Loans secured by deposit slip and valued papers.

• Issuing International Settlement Trade Fee Table, developing supplement products supporting export–import with preferential export fee to ultilize the available source of foreign currency

• Deploying SMS Banking.

Inspecting and Internal supervisingTRUSTBank has continued to improve the banking system, reinforced inspecting and supervising internality, monitored the compliance of operations; ensured safely banking activities as well as supplementing human resources and enabling supervisors to improve their competence.

Recruitment and trainingTrustBank has formulated as well as improved policies and regulations for smoother banking operations. TRUSTBank has continued focusing on recruitment competent staffs; holding internal training programs in order to enhance their ability and administration competence at all levels.

OTHER ACTIVITIES


74

Pre–tax profit (VND billion)

31/12/07

31/12/08

31/12/09

32

29

Modernizing the banking infrastructure TrustBank continue to improve SmartBank program in order to meet the demand of our operating management and product diversification, especially modern banking services. Installed SWIFT to implement international settlement service, upgraded the website to new version and deploy the search tool, the internal data storage in overall banking system. On going researching and preparing for project of building Data Center, Back–up Center; E – Banking; Video Conference, Contact Center…

Informative activities and business promotions TrustBank has popularized new products, new operating branches and business, etc…through mass media channels such as local and national newspapers, telecommunication broadcasters, and the Internet. TRUSTBank has celebrated its 20th anniversary of establishment (01/9/1989 – 01/9–2009) and sponsored miserable children, victims of agent orange/dioxin, the poors in rural areas …aiming to enhance TRUSTBank brand name.

Networking developmentTrustBank opened 4 branches including Cần Thơ, Đà Nẵng, Vũng Tàu, Đồng Nai and 40 transaction offices, operating units of TRUSTBank nationwide currently is 61, including head office, 8 branches and 52 transaction offices.

Business resultsTotal revenue in 2009 reached VND699 billion, an increase of VND 503 billion (257%) over the year 2008.

Total expense in 2009 reached VND637 billion, an increase of VND 470 billion (282%) compared to the year 2008.

Pre–tax profit in 2009 reached VN62 billion, up 116% against the year 2008.

The year 2009 came with tough challenges for TrustBank and our peers, however, TRUSTBank has attained stable and firm developments thanks to our safety first, innovative, and proactive management. TrustBank focus on carrying out timely product programs, expansion of operations, step by step advancing of customer service quality… together with deep guidance by Board of Directors and Board of Management.

Trustbank has been honored with “Brand and firm development” Cup and the title “Enterprise for the community” in 2009 for the efforts in the operation as the achievements and encouragement.

Not only business , TrustBank has also shown responsibility to the community through practical social activities in 2009 such as donating 20 houses of gratitude and affection; 5000 wheelchairs for the disabled; scholarships, notebooks, bicycles, rice for poor students; participating in the charity programs of Vietnam Fatherland Front, Vietnam Association of Victims of Agent Orange/Dioxin, Education Fund; Sponsoring Programs “The flower of life”, “Beliefs and light”, “Affection Melody”, “Dong Thap Gratitude ‘, “Southern Melody” ... the total amount contributed and supported by employees and welfare funds is 21 billion


NETWORK EXPANSION 2009

01/2009 Open Can Tho Branch

01/2009 Open Nguyen Tri Phuong transaction ofice

01/2009 Open Dist.6 transaction office

01/2009 Open Go Den transaction office (Long An

02/2009 Open Moc Hoa transaction office (Long An)

04/2009 Open Le Dai Hanh transaction office (HCM City)

04/2009 Open Cong Hoa transaction office (HCM City)

04/2009 Open Hao Nam transaction office (Hanoi)

04/2009 Open Hoai Duc transaction office (Hanoi)

05/2009 Open Tran Hung Dao transaction office (HCM City)

05/2009 Open Dist.12 transaction office (HCM City)

06/2009 Open Vung Tau Branch

06/2009 Open Can Dot transaction office (Long An)

06/2009 Open Hai Ba Trung transaction office (Can Tho)

06/2009 Open Ninh Kieu transaction office (Can Tho)

06/2009 Open Tu Liem transaction office (Ha Noi)

07/2009 Open Thu Duc transaction office (HCM City)

07/2009 Open Minh Phung transaction office (HCM City)

07/2009 Open Vinh Hung transaction office (Long An)

07/2009 Open Hau Nghia transaction office (Long An)

CAN THOBRANCH

DA NANGBRANCH

TRUNG HOATRANSACTION

OFFICE

CHO TRAMTRANSACTION

OFFICE

08/2009 Open Da Nang Branch

08/2009 Open Dong Nai Branch


08/2009 Open Hoang Dieu transaction office (Da Nang)

08/2009 Open Son Tra transaction office (Da Nang)

08/2009 Open Le Do transaction office (Da Nang)

08/2009 Open Son Dong transaction office (Ha Noi)

08/2009 Open Cau Voi transaction office (Long An)

08/2009 Open Truong Dinh transaction office (Long An)

08/2009 Open Ba Ria transaction office (Ba Ria – Vung Tau)

08/2009 Open Binh Chanh transaction office (HCM)

08/2009 Open Dist.4 transaction office (HCM)

09/2009 Open Cho Tram transaction office (Long An)

10/2009 Open Go Vap transaction office (HCM)

10/2009 Open Thu Thua transaction office (Long An)

11/2009 Open Long Huu transaction office (Long An)t

11/2009 Open Phu Nhon transaction office (Long An)

11/2009 Open Trung Hoa transaction office (Ha Noi)

12/2009 Open Ly Tu Trong transaction office (HCM)

12/2009 Open Cu Chi transaction office (HCM)

12/2009 Open Tan Phu transaction office (HCM)

12/2009 Open Duc Hue transaction office (Long An)

12/2009 Open Dong Thanh transaction office (Long An)

12/2009 Open Chau Thanh transaction office (Long An)

12/2009 Open Sao Mai transaction office (Vung Tau)

VUNG TAUBRANCH

DONG NAIBRANCH

THU DUCTRANSACTION

OFFICE

HOAI DUCTRANSACTION

OFFICE


AUDITORS’ REPORT

Our audit is conducted in accordance with Vietnamese Auditing

Standards and the current regulations on independent auditing

in Vietnam. Those standards and regulations require that we plan

and perform the audit to obtain reasonable assurance that the

financial statements are free of material misstatements.


ON THE FINANCIAL STATEMENTS OF GREAT TRUST JOINT STOCK COMMERCIAL BANKAs at and for the year ended 31 December 2009

To: Board of Management and Board of Directors of Great Trust Joint Stock Commercial Bank

We have audited the financial statements of Great Trust Joint Stock Commercial Bank which comprise the Balance Sheet as at 31 December 2009, Income statement, Cash flow statement and Notes to the financial statements for the fiscal year ended 31 December 2009 set out from page 4 to page 29 attached.

The preparation of these financial statements is the responsibilities of the Bank’s Director. Our responsibility is to express an independent opinion on these financial statements based on our audit.

Basis of opinionOur audit is conducted in accordance with Vietnamese Auditing Standards and the current regulations on independent auditing in Vietnam. Those standards and regulations require that we plan and perform the audit to obtain reasonable assurance that the financial statements are free of material misstatements. The audit includes examination, on a test basic, of evidence relevant to the amounts and disclosures in the financial statements. It also includes assessments of compliance with the current accounting standards and system, of accounting principles and methods used and of significant estimates and judgment made by the management as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

Auditor‘s opinionIn our opinion, the accompanying financial statements give a true and fair view of the financial position of Great Trust Joint Stock Commercial Bank as at 31 December 2009, and of the results of its operations and its cash flows for the fiscal year ended 31 December 2009. These financial statements are prepared and presented in accordance with the Vietnamese Accounting Standards and System for Credit Institutions and with other relevant financial and accounting regulations stipulated by the State Bank of Vietnam and the Ministry of Finance.

Auditor

TRAN NGOC HUNGAuditor licence No. 1084/ KTV

issued by The Ministry of Finance

Ho Chi Minh City, 29 March 2010 Deputy Manager

DANG NGOC TUAuditor licence No.0213/ KTV

issued by The Ministry of Finance

Unit: VND

ITEM 31/12/2009 01/01/2009

A. ASSETS

I. CASH AND CASH EQUIVALENTS 82.573.995.174 41.724.685.341

II. DEPOSITS AT STATE BANK OF VIETNAM 62.992.385.122 590.982.935.725

III. DEPOSITS AND LOANS TO RELATED CREDIT INSTITUTIONS 1.053.059.471.455 339.909.356.801

1. Deposits to credit institutions 1.052.859.471.455 339.909.356.801

2. Loans to credit institutions 200.000.000 –

3. Provision for credit losses (*) – –

IV. TRADING SECURITIES 35.939.813.668 –

1. Trading securities 39.780.882.611 –

2. Provisions for devaluation of securities (*) (3.841.068.943)

V. DERIVATIVES AND OTHER FINANCIAL ASSETS

VI. LOANS TO CUSTOMERS 5.188.280.323.147 1.622.172.946.532

1. Loans to customers 5.213.995.810.177 1.624.279.861.368

2. Provision for credit losses (*) (25.715.487.030) (2.106.914.836)

VII. INVESTMENT SECURITIES 603.800.000.000 3.513.182.500

1. Available–for–sale securities 600.000.000.000 –

2. Held–to–maturity securities 3.800.000.000 3.513.182.500

3. Provisions for devaluation of securities (*) – –

VIII. EQUITY INVESTMENT AND LONG – TERM INVESTMENT 67.863.900.000 –

1. Investments in subsidiaries – –

2. Investments in joint–ventures

3. Investments in associates

4. Investments in other business undertakings 67.863.900.000

5. Provisions for devaluation of long–term investments (*)

IX. FIXED ASSETS 462.271.461.997 151.672.946.615

1. Tangible fixed assets 62.904.859.128 43.880.740.890

a. Cost 72.834.811.551 48.685.941.069

b. Accumulated depreciation (*) (9.929.952.423) (4.805.200.179)

2. Financial leased assets

a. Cost

b. Accumulated depreciation (*)

3. Intangible fixed assets 399.366.602.869 107.792.205.725

a. Cost 399.547.670.450 108.370.597.592

b. Accumulated amortisation (*) (181.067.581) (578.391.867)

X. INVESTMENT PROPERTIES

a. Cost

b. Accumulated depreciation (*)

XI. OTHER LONG–TERM ASSETS 970.950.510.464 240.423.382.067

1. Accounts receivable 856.142.345.164 161.655.496.011

2. Accrued interests receivable 80.615.549.219 33.656.993.252

3. Deferred tax assets

4. Other assets 34.192.616.081 45.110.892.805

– In which: goodwill

5. Other provision (*)

TOTAL ASSETS 8.527.731.861.027 2.990.399.435.581

CONSOLIDATED BALANCE SHEET As at 31 December 2009

Long an, dated 31, December 2009 Prepared by Chief Accountant General Director

TRAN NGUYEN NHAT LINH PHAM THI THANH THUY TRAN SON NAM

CONSOLIDATED BALANCE SHEET (cont) As at 31 December 2009Unit: VND

ITEM 31/12/2009 01/01/2009

B. LIABILITIES AND OWNERS’ EQUITY

I. BORROWINGS FROM THE STATE BANK OF VIETNAM

II. DEPOSITS AND BORROWINGS FROM OTHER CREDIT INSTITUTIONS 2.185.821.783.739 320.687.790.211

1. Deposits from other credit institutions 2.006.411.783.739 320.687.790.211

2. Borrowings from other credit institutions 179.410.000.000 –

III. DEPOSITS FROM CUSTOMERS 3.896.487.496.581 2.015.543.685.452

IV. DERIVATIVES AND OTHER FINANCIAL LIABILITIES 47.500.000 –

V. ENTRUSTED FUNDS 43.141.156.981 39.045.156.827

VI. VALUABLE PAPERS 737.357.728.080 –

VII. OTHER LIABILITIES 106.517.795.610 32.741.943.783

1. Interests, fees payable 69.712.479.033 26.940.042.999

2. Deferred tax liability

3. Accounts payable and other liabilities 36.218.201.260 5.801.900.784

4. Provision for other losses (for off – balance sheet contingencies and commitments) 587.115.317

TOTAL LIABILITIES 6.969.373.460.991 2.408.018.576.272

VIII. OWNERS’ EQUITY 1.558.358.400.036 582.380.859.309

1. Equity 1.502.815.333.852 552.715.293.852

a. Contributed chartered Capital 1.500.000.000.000 504.077.000.000

b. Basic construction investment fund 1.018.893.852 1.018.893.852

c. Share premium 1.796.440.000 47.619.400.000

d. Treasury shares (*)

e. Preferred shares

g. Others

2. Reserves 9.693.748.953 6.367.667.080

3. Foreign exchange differences

4. Difference upon assets revaluation

5. Retained earnings 45.849.317.231 23.297.898.377

IX. MINORITY INTEREST

TOTAL LIABILITIES AND OWNER’S EQUITY 8.527.731.861.027 2.990.399.435.581

OFF BALANCE SHEET ITEMS

ITEM 31/12/2009 01/01/2009

I. CONTINGENCIES 87.784.181.569 302.522.301.001

1. Capital loan guarantees

2. Letters of credit –

3. Other guarantees 87.784.181.569 302.522.301.001

II. COMMITMENTS

1. Customers funding

2. Others


“In 2010, TRUSTBank will keep enhancing financial capability,

increase charter capitals as stipulated, develop and promote all

business operations, diversify product lines and facilities to serve

the best for customers, focus on developing network distribution,

carry out banking restructure, increase investments in technology

renovation…so as to improve the bank’s operational efficiency. ”

CONSOLIDATED INCOME STATEMENT

Unit: VND

ITEM YEAR 2009 YEAR 2008

1. Interest and similar income 452.598.148.156 188.484.416.337

2. Interest expense and similar charges 354.030.862.772 120.298.792.430

I. Net interest and similar income 98.567.285.384 68.185.623.907

3. Fees and commissions 2.745.901.343 3.075.874.221

4. Expenses incurred 2.631.174.313 1.235.981.368

II. Net fees and commissions 114.727.030 1.839.892.853

III. Net gain/loss from dealing in foreign currencies (842.954.142) 613.188

IV. Net gain/loss from dealing in trading securities (7.565.886.986)

V. Net gain/loss from dealing in investment securities – 16.180.000

5. Income from other operating activities 222.213.120.935 4.220.693.502

6. Expenses incurred 107.698.260.616 35.892.782

VI. Operating Expenses 114.514.860.319 4.184.800.720

VII. Income from equity investments

VIII. Operating Expenses 105.979.857.002 43.497.487.697

IX. Net operating income before provision for credit losses 98.808.174.603 30.729.622.971

X. Provision for credit losses 24.645.578.614 1.899.664.000

XI. Profit before tax 74.162.595.989 28.829.958.971

7. Current corporate income tax expense 28.475.992.094 8.072.388.512

8. Deferred corporate income tax expense

XII. Corporate income tax 28.475.992.094 8.072.388.512

XIII. Net profit after tax 45.686.603.895 20.757.570.459

XIV. Minority interest

XV. Earnings per share 430 412

For the fiscal year ended 31 December 2009

Long an, dated 31, December 2009 Prepared by Chief Accountant General Director

TRAN NGUYEN NHAT LINH PHAM THI THANH THUY TRAN SON NAM


Charter capitals 1.500 billion

Assets 8.528 billion

Total fund mobilization 4.634 billion

Total outstanding loans 5.214 billion

Investments 711 billion

Operational network 61 points

Total incomes 946 billion

Total expenses 872 billion

Pre–tax profit 74 billion


KEY PERFORMANCE IN 2009


Date of establishment 01/9/1989 – 01/9/2009

The establishment of branches and sub branches in 2009

made its nation wide points

The anniversary

The bank raised ít charter capital from

to billion VND

THE HIGHLIGHTED EVENTS IN 2009


Receiving certificate of merit from Mr. Nguyen Van Giau –The governor of The State bank of VN

Receiving certificate of merit from Mr. Duong Quoc Xuan – Chairman of Long An Province People’s committee

Receiving certificate of merit from Ms. Nguyen Thi Hong – Vice chairwoman, HCMC People’s committee

Giving campaign medal to the people who contribute positive to developing in TRUSTBank on the occasion of the 20th anniversary.



AWARDS IN 2009

IN BANKING INDUSTRY

Certificate of Merit 01/08/2009The Governor of VietnamNational Bank

Bank of achievement in 20 years of construction and development (1989 –2009) contributed to the development of Vietnam’s banking.

Certificate of Merit 22/07/2009The people committeeof Long An province

Bank has a good track record in business 20 yearperiod (1989 –2009).

Commemortive flag 09/01/2009

The people committeeof Long An province Celebrates 20 years in credit bank (1989 –2009).

Golden cup 24/03/2009 Ministry of Industry and Trade Typical enterprises in Vietnam 2009.

CHARITABLE ACTIVITIES IN SOCIETY

Golden cup 25/07/2009 Ministry of Industry and Trade Enterprise for Community 2009.

Certificate of Merit 11/03/2009The people committeeof Long An province

Enterprise contribution “fund for the poor inLong An Province in 2008”

Certificate of Merit 24/03/2009The people committee ofHo Chi Minh city

The enterprise has many achievements in organizing“for the poor 2008”

Certificate of Merit 20/07/2009The people committee ofHo Chi Minh city

The enterprise have many excellent contribution in“Give strength for Examinaiton season 2009”

Certificate of Merit 05/08/2009The Father land front of Long An province

Enterprise support actively cultural program“The melody of love” and fund “for the poor 2009”

Certificate of Merit 24/06/2009The Sponsorial Assosiation for poor patients of HoChiMinh city

Enterprise contribute positively in the charity programin 2006 –2009


Besides the business growing gradually, community activities have long become a

traditional beauty, expressing TRUSTBank Corporate culture characters.

TrustBank has shown responsibility to the community in nationwide from caring

for life, building houses of gratitude for the beneficiary of social welfares, the poors,

supporting victims of Agent Orange, giving gifts to poor people’s on holidays, New

Year ... to contributing to the development of future generations as given thousands of

scholarships, donated millions of notebooks for poor pupils – students...

To fund the implementation of the above, besides sharing the profits from business

activities, TRUSTBank calls for consensus contributions from shareholders, partners and

our own staff.

The efforts of TRUSTBank received the commendation of the people’s committees of

provinces in nationwide, honored with the title “Enterprise for the community” awarded

by the Ministry of Industry and Trade, TRUSTBank brand has become familiar where

TRUSTBank was, is and will be available.


BUSINESS FOR COMMUNITY AWARD 2009

25th july 2009, TRUSTBank has the honor to receive golden trophy

for “Business for community Award 2009” giving by Ministry of

Industry & trade. This award is to acknowlege positive contribution

to develop the communityof TRUSTBank during the past 20 years.


SOCIAL AND CHARITY ACTIVITIES IN 2009

04/04/2009 Sponsored program Greeting Southern liberation and country reunification 30 / 4 “Country Full Of happiness” (11.000.000d)

26/05/2009 Sponsored the final round of the Young Pioneer newspaper National Football League age 15 (40.000.000d)

26/05/2009 Supported Study Encouragement Fund of Ly Tu Trong specialist highschool – Can Tho 10 scholarships (5,000,000 VND)

06/06/2009 Sponsored program “Give strength for Examinaiton season” rate of rice for 50,000 students launching by The City Communist Youth Union (600.000.000d)

24/06/2009 Awarded 100 scholarships and 2000 notebooks for the Study Encouragement Association Ba Ria – Vung Tau on the occasion of opening a branch Vung Tau (60.000.000d)

01/07/2009 Supported the Fund for Victims of Agent Orange of HoChiMinh City and financial support for families of victims of Agent Orange (100.000.000đ)

01/07/2009 Awarded 200 scholarships and 2000 notebooks for the Study Encouragement Association Thu Duc on the occasion of opening Thu Duc transaction office (100.000.000đ)

17/07/2009 Sponsored the Sponsorial Association for Poor Patients Ho Chi Minh city 5000 wheelchairs and 2,000,000 notebooks on the occasion of celebrating 20th anniversary of the bank

23/07/2009 Donated 20 gifts to 20 merit families and the ones which have revolutionary martyr. (10,000,000)

25/07/2009 Donated gifts to 110 poor students Tan Xuan commune, Ba Tri district, Ben Tre province (9.350.000d)

29/07/2009 Supported the victims of Agent Orange Can Gio (50.000.000d)

07/08/2009 Sponsored program “Flower in life” on HTV9, Ho Chi Minh City Television. (472.000.000d)

11/08/2009 Sponsored The Father land front of DaNang city 15 compassion houses for poor families on the occasion of opening Son Tra and Le Do transaction office. (300.000.000đ)

21/08/2009 Supported the victims of Agent Orange CuChi (50.000.000d)

22/08/2009 Sponsored the show “DongThap gratitude” to raise funds for The poor of Dong Thap Province (500.000.000d)

23/07/2009 Donated 10,000 notebooks, 7,026 gymnastic uniforms and 242 scholarships to Study Encouragement Association – People Committee of Can Duoc – Long An (151.000.000d)

29/09/2009 Awarded 20 scholarships for Banking faculty – HCM City Economic University on the occasion of “Banking faculty career day 6th” (40.000.000d)

03/10/2009 Donated 5000 Autumn festival gifts for needy children in Hochiminh city (VND 100,000,000)

01/10/2009 Sponsored Vietnam Encouragement Study Accosiation – walking companion program causing Study Encouragement Fund (300.000.000d)

02/10/2009 All the staffs TRUSTBank contribute a day’s wages to help people flooded in the central (157.000.000d)

16/10/2009 Sponsored program “Faith Lights” powered by (800.000.000d)

22/10/2009 Sponsored charity music night “Southern tunes’ cause the Fund to support central people after the storm (100.000.000đ)

07/11/2009 Donated 100 wheelchairs and 15,000 notebooks for The Sponsorial Accosiation for poor patients of Vinh Long province (517.500.000d)


Is not only “a place where we share trust & success” ,

but also “TRUSTBank is a place of gold hearts”.


Charter capitals 3.000 billion

Total Assets 16.000 billion

Total fund mobilization 10.400 billion

Total outstanding loans 7.800 billion

Investments 1.000 billion

Operational network 95 points

Total incomes 1.600 billion

Total expenses 1.310 billion

Pre–tax profit 290 billion

BUSINESS PLAN 2010


“In 2010, TRUSTBank will keep enhancing financial

capability, increase charter capitals as stipulated,

develop and promote all business operations,

diversify product lines and facilities to serve the

best for customers, focus on developing network

distribution, carry out banking restructure, increase

investments in technology renovation…so as to

improve the bank’s operational efficiency. ”


BRANCH NETWORK

HA NOI BRANCH

DA NANG BRANCH

HO CHI MINH BRANCH

LONG AN HEAD OFFICE

Hoang Sa

Truong Sa

NORTH AREAHA NOI BRANCH96 Ba Trieu St, Hang Bai Ward, Hoan Kiem Dist, Ha Noi City

Tel: (04) 6278 0086 – Fax: (04) 6278 0089

Cau Giay Transaction Office126 Nguyen Phong Sac St, Cau Giay Dist, Ha Noi City

Tel: (04) 6281 1517 – Fax: (04) 6281 1523 Dong Da Transaction Office163 Dang Tien Dong St, Trung Liet Ward, Dong Da Dist, Ha Noi City

Tel: (04) 3537 8724 – Fax: (04) 3537 8725

Thach That Transaction OfficeBlock 8 Kim Khi IZ, Phung Xa Commune, Thach That Dist, Ha Noi City

Tel: (04) 3392 7918 – Fax: (04) 3392 7919

Hao Nam Transaction Office165 Hao Nam St, O Cho Dua Ward, Dong Da Dist, Ha Noi City

Tel: (04) 3512 3262 – Fax: (04) 3512 3263

Hoai Duc Transaction OfficeKm 6, Road 419, Chua Tong, La Phu, Hoai Duc Dist, Ha Noi City

Tel: (04) 3365 6816 – Fax: (04) 3365 6826 Tu Liem Transaction Office6 Xuan La St, Xuan Dinh, Tu Liem Dist, Ha Noi City

Tel: (04) 3750 2108 – Fax: (04) 3750 2109

Son Dong Transaction Office62 Son Dong Road, Hoai Duc Dist, Ha Noi City

Tel: (04) 3399 5480 – Fax: (04) 3399 5481

Trung Hoa Transaction Office30 Nguyen Thi Dinh St, Trung Hoa Ward, Cau Giay Dist, Ha Noi City

Tel: (04) 3556 2709 – Fax: (04) 3556 2719

MIDDLE AREADA NANG BRANCH130 Ly Thai To St, Thac Gian Ward, Thanh Khe Dist, Da Nang City

Tel: (0511) 3745 111 – Fax: (0511) 3745 544 Hoang Dieu Transaction Office403 Hoang Dieu St, Hoa Thuan Ward, Hai Chau Dist, Da Nang City

Tel: (0511) 3575 123 – Fax: (0511) 3575 124

Le Do Transaction Office38 Le Do St, Thanh Khe Dist, Da Nang City

Tel: (0511) 3773 777 – Fax: (0511) 3773 770 Son Tra Transaction Office536 Ngo Quyen St, An Hai Tay Ward, Son Tra Dist, Da Nang City

Tel: (0511) 3941 778 – Fax: (0511) 3941 777

HOCHIMINH CITY SAI GON BRANCH426 Nguyen Thi Minh Khai St, Ward 5, Dist 3, HCM City

Tel: (08) 3929 1295 – Fax: (08) 3929 1296

Cho Lon Transaction Office1–3–5 Cao Xuan Duc St, Dist 8, HCM City

Tel: (08) 3951 5902 – Fax: (08) 3951 5900 Phu My Transaction OfficeB28–29–30–31 Nguyen Huu Tho St, Tan Phong Ward, Dist 7, HCM City

Tel: (08) 6262 4934 – Fax: (08) 6262 4936

HEAD OFFICE 145–147–149 Hung Vuong St, Ward 2,

Tan An City, Long An Province

Tel: (072) 3524 639 – Fax: (072) 3524 900


Ho Hao Hon Transaction Office75 Ho Hao Hon St, Co Giang Ward, Dist 1, HCM City

Tel: (08) 3920 8504 – Fax: (08) 3920 8501

Ben Thanh Transaction Office139G Nguyen Trai St, Ben Thanh Ward, Dist 1, HCM City

Tel: (08) 3925 1273 – Fax: (08) 3925 1272

Ham Nghi Transaction Office107–109 Ham Nghi St, Thai Binh Ward, Dist 1, HCM City

Tel: (08) 3915 2026 – Fax: (08) 3915 2025

Nguyen Tri Phuong Transaction Office269 Nguyen Tri Phuong St, Ward 5, Dist 10, HCM City

Tel: (08) 3957 4021 – Fax: (08) 3957 4022

Quan 6 Transaction Office34 Kinh Duong Vuong St, Ward 13, Dist 6, HCM City

Tel: (08) 3877 9770 – Fax: (08) 3877 9771

Cong Hoa Transaction Office450 Cong Hoa St, Ward 13, Tan Binh Dist, HoChiMinh City

Tel: (08) 3812 2436 – Fax: (08) 3812 2435

Le Dai Hanh Transaction Office413 Le Dai Hanh St, Ward 11, Dist 11, HCM City

Tel: (08) 3965 0849 – Fax: (08) 3965 0847

Thu Duc Transaction Office6 Cong Ly St, Binh Tho Ward, Thu Duc Dist, HCM City

Tel: (08) 3722 5824 – Fax: (08) 3722 5825

Minh Phung Transaction Office159A Minh Phung St, Ward 9, Dist 6, HCM City

Tel: (08) 3969 8830 – Fax: (08) 3969 8829

Quan 4 Transaction Office155 Khanh Hoi St, Ward 3, Dist 4, HCM City

Tel: (08) 3941 0628 – Fax: (08) 3941 0546

Binh Chanh Transaction OfficeA16/6 Highway 1, Binh Chanh Dist, HCM City

Tel: (08) 3760 8296 – Fax: (08) 3760 8295

Tran Hung Dao Transaction Office57B – 59A Tran Hung Dao St, Ward 6, Dist 5, HCM City

Tel: (08) 3924 5746 – Fax: (08) 3924 5747

Quan 12 Transaction OfficeB74, To Ky St, Dong Hung Thuan Ward, Dist 12, HCM City

Tel: (08) 3715 3211 – Fax: (08) 3715 3210

Go Vap Transaction Office718 Quang Trung St, Ward 8, Go Vap Dist, HCM City

Tel: (08) 3921 2300 – Fax: (08) 3921 2301

Cu Chi Transaction OfficeRoad 8, Tan Thanh Dong Commune, Cu Chi Dist, HCM City

Tel: (08) 3735 5377 – Fax: (08) 3735 5378

Ly Tu Trong Transaction Office10 Ly Tu Trong St, Ben Nghe Ward, Dist 1, HCM City

Tel: (08) 3823 6720 – Fax: (08) 3823 6722

Tan Phu Transaction Office306–308 Kim Hong Building, Vuon Lai St, Phu Tho Hoa Ward,

Tan Phu Dist, HCM City

Tel: (08) 2229 5100 – Fax: (08) 2227 8761

SOUTHEAST AREA DONG NAI BRANCH253 Block D1 Pham Van Thuan, Tan Mai Ward,

Bien Hoa City, Dong Nai Province

Tel: (061) 3918 306 – Fax: (061) 3918 307

VUNG TAU BRANCH8H3 Nguyen Thai Hoc St, Ward 7, Vung Tau City,

Ba Ria Vung Tau Province

Tel: (064) 3576 906 – Fax: (064) 3576 907

Ba Ria Transaction Office1215C – 1215D Bach Dang St, Phuoc Trung Ward,

Ba Ria Town, BRVT Province

Tel: (064) 3717 783 – Fax: (064) 3717 782

Sao Mai Transaction Office510 Street 30/4, Rach Dua Ward, Vung Tau City,

Ba Ria Vung Tau Province

Tel: (064) 3616 283 – Fax: (064) 3616 284

MEKONG DELTA LONG AN BRANCH145–147–149 Hung Vuong St, Ward 2,

Tan An City, Long An Province

Tel: (072) 3524 789 – Fax: (072) 3524 787

RACH KIEN BRANCH01 Long Hoa Town, Can Duoc Dist, Long An Province

Tel: (072) 3880 126 – Fax: (072) 3880 447

CAN THO BRANCH109 – 111 Tran Hung Dao St, An Phu Ward,

Ninh Kieu Dist, Can Tho City

Tel: (0710) 6250 347 – ax: (0710) 6250 233

Duc Hoa Transaction Office502E/1, Area 5, Duc Hoa Town, Duc Hoa Dist, Long An Province

Tel: (072) 3761 678 – Fax: (072) 3761 679

Moc Hoa Transaction Office92 Tran Hung Dao St, Moc Hoa Town,

Moc Hoa Dist, Long An Province

Tel: (072) 3843 768 – Fax: (072) 3843 767

Can Dot Transaction Office516, Highway 62, Tan An City, Long An Province

Tel: (072) 3525 585 – Fax: (072) 3525 595

Vinh Hung Transaction Office46 CMTT St, Vinh Hung Town, Vinh Hung Dist, Long An Province

Tel: (072) 3971 969 – Fax: (072) 3971 968

Hau Nghia Transaction Office75, Road 8, Hau Nghia Town, Duc Hoa Dist, Long An Province

Tel: (072) 3814 969 – Fax: (072) 3814 959

Cau Voi Transaction Office51/104, Highway 1A, Nhi Thanh Commune,

Thu Thua Dist, Long An Province

Tel: (072) 3591 166 – Fax: (072) 3591 155

Truong Dinh Transaction Office105–106 Truong Dinh St, Ward 1, Tan An Town, Long An Province

Tel: (072) 3553 272 – Fax: (072) 3553 262

Phu Nhon Transaction Office76 Quốc lộ 1A, Khu phố Phú Nhơn, P.5, TP.Tân An, T.Long An

76, Highway1A, Phu Nhon Ward, Long An Province

Tel: (072) 3526 123 – Fax: (072) 3526 124

Duc Hue Transaction Office29, Street 838, Dong Thanh Town, Duc Hue Dist, Long An Province

Tel: (072) 3898 979 – Fax: (072) 3898 969

Chau Thanh Transaction Office275, Area 2, Tam Vu Town, Chau Thanh Dist, Long An Province

Tel: (072) 3676 789 – Fax: (072) 3676 787

Can Duoc Transaction Office Highway 50, Area 1A, Can Duoc Town, Can Duoc Dist, Long An Province

Tel: (072) 3881 303 – Fax: (072) 3881 217

Ben Luc Transaction Office 98–100 Nguyen Huu Tho St, Ben Luc Town,

Ben Luc Dist, Long An Province

Tel: (072) 3633 425 – Fax: (072) 3633 426

Can Giuoc Transaction Office 71, Area 3, Can Guoc Town, Long An Province

Tel: (072) 3894 620 – Fax: (072) 3874 146

Go Den Transaction Office 2, 1A Highway, My Yen Commune, Ben Luc Dist, Long An Province

Tel: (072) 3644 039 – Fax: (072) 3644 040

Cho Tram Transaction Office 97, 50 Highway, My Le Commune, Can Duoc Dist, Long An Province

Tel: (072) 3745 777 – Fax: (027) 3745 666

Thu Thua Transaction Office 1/55, Cau Xay Area, Thu Thua Town, Thu Thua Dist, Long An Province

Tel: (072) 3638 666 – Fax: (072) 3638 555

Long Huu Transaction Office Cho Area, Long Huu Dong Commune, Can Duoc Dist, Long An Province

Tel: (072) 3728 777 – Fax: (072) 3728 666

Dong Thanh Transaction Office Tay Area, Dong Thanh Commune, Can Giuoc Dist, Long An Dist

Tel: (072) 3747 777 – Fax: (072) 3747 666

Ninh Kieu Transaction Office 118/9/43A–118/9/43K Tran Van Kheo St,

Cai Khe Ward, Ninh Kieu Dist, CT City

Tel: (0710) 3759 555 – Fax: (0710) 3759 556

Hai Ba Trung Transaction Office 116 Hai Ba Trung St, Tan An Ward, Ninh Kieu Dist, Can Tho City

Tel: (0710) 3759 666 – Fax: (0710) 3759 667


GREAT TRUST COMMERCIAL JOINT STOCK BANK

Head Office: 145 - 147 - 149 Hung Vuong Street., Ward 2, Tan An City, Long An Province Viet NamTel: (072) 3524 639 - Fax: (072) 3524 900 - Call Center: (08) 3838 5555

Email: [email protected] - Website: www.trustbank.com.vn

Documents

Annual Report 2009 - CBBANK · Key performance in 2009 34 The highlighted events in 2009 36 ... focuses on training and managing human resources, ensuring to have young, dynamic and