BẢN CÔNG BỐ THÔNG TIN - abs.vn of Ban cong bo thong tin.pdf · Rủi ro về luật ... CP ban hành Quy chế quản lý tài chính của Công ty ... hình thành từ sự

TP ON IN LC VIT NAM (EVN) KHUYN CO CC NH U T TIM NNG NN THAM

KHO BN CNG B THNG TIN NY V QUY CH BN U GI TRC KHI QUYT NH

NG K THAM GIA U GI MUA C PHN DO EVN S HU TI CNG TY C PHN BO

HIM TON CU (GIC). VIC CHO BN C PHN NY KHNG PHI L T CHO BN

HUY NG VN CHO CNG TY M CH LM THAY I T L S HU TRONG C CU C

NG V KHNG LM THAY I MC VN IU L NG K CA CNG TY

BN CNG B THNG TIN

BN U GI C PHN CA

TP ON IN LC VIT NAM TI

CNG TY C PHN BO HIM TON CU

T CHC CHO BN C PHN

TP ON IN LC VIT NAM

Tr s chnh: s 18 ph Trn Nguyn Hn, phng L Thi T, qun

Hon Kim, thnh ph H Ni.

in thoi (84-4) 2.2201371 Fax: (84-4) 2.2201369

T CHC PHT HNH


Tr s chnh: Tng 16, Ta nh Nam . S 201- 203 Cch Mng

Thng 8, phng 4, qun 3, Tp. H Ch Minh.

in thoi: (08)3 9293 555 Fax: (08)3 9293 666

T CHC T VN

CNG TY C PHN CHNG KHON AN BNH (ABS)

Tr s chnh: 101 Lng H, ng a, Thnh ph H Ni

in thoi: (04)3 5624626 Fax: (04)3 5624628

Website: www.abs.vn

Bn cng b thng tin bn u gi c phn ca EVN ti GIC

T chc T vn 2 | P a g e

THNG TIN V T BN U GI C PHN CA

TP ON IN LC VIT NAM TI


Tn t chc pht hnh Cng ty C phn Bo him Ton Cu (GIC)

Vn iu l 400.000.000.000 ng Vit Nam

Ngnh ngh kinh doanh Bo him phi nhn th

Tn t chc cho bn Tp on in lc Vit Nam (EVN)

S lng c phn bn u gi: 1.000.000 c phn, tng ng 2,5% vn iu l

ca GIC

Loi c phn C phn ph thng

Gi khi im 26.000 ng/c phn

Phng thc bn u gi u gi cng khai theo l ln 1.000.000 c phn

(bn ton b c l 1 triu c phn, khng bn l) ti

S Giao dch Chng khon H Ni (HNX)

Chuyn quyn s hu Ti Cng ty C phn Bo him Ton Cu



MC LC

I. CN C PHP L CA T CHO BN ........................................................................ 6

II. CC NHN T RI RO......................................................................................................... 6

1. Ri ro kinh t ............................................................................................................................... 6

1.1. Ri ro v tc tng trng kinh t .................................................................................... 6

1.2. Ri ro v lm pht ............................................................................................................... 8

1.3. Ri ro v li sut .................................................................................................................. 9

2. Ri ro v lut php ...................................................................................................................... 9

3. Ri ro c th ngnh bo him .................................................................................................... 9

4. Ri ro khc ................................................................................................................................ 10

III. NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN CNG B THNG TIN ......................................................................................................................... 10

1. T chc pht hnh ..................................................................................................................... 10

2. T chc cho bn c phn ......................................................................................................... 10

3. T chc t vn bn u gi ....................................................................................................... 11

IV. CC KHI NIM V T VIT TT ................................................................................ 11

V. TNH HNH V C IM CA CNG TY C PHN BO HIM TON CU ... 12

1. Gii thiu v Cng ty C phn Bo him Ton Cu ................................................................. 12

1.1 Qu trnh hnh thnh v pht trin ...................................................................................... 12

1.2 Gii thiu v Cng ty ......................................................................................................... 12

2. C cu t chc v b my qun l Cng ty .............................................................................. 14

3. C cu vn iu l ca GIC ...................................................................................................... 14

4. Danh sch nhng cng ty m v cng ty con ca GIC, nhng cng ty m GIC ang nm gi

quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim sot hoc c phn chi

phi i vi GIC........................................................................................................................ 15

5. Hot ng kinh doanh ............................................................................................................... 15



5.1. Cc sn phm bo him ..................................................................................................... 15

5.2. Hot ng ti chnh ........................................................................................................... 18

6. Gi tr dch v qua cc nm ....................................................................................................... 19

6.1. Hot ng kinh doanh bo him ........................................................................................ 19

6.2. Hot ng ti chnh ........................................................................................................... 22

6.3. Chi ph hot ng kinh doanh ca GIC ............................................................................. 24

6.4. Tnh hnh nghin cu v pht trin sn phm mi ............................................................ 25

6.5. Tnh hnh kim tra cht lng sn phm dch v .............................................................. 26

6.6. Hot ng Marketing ......................................................................................................... 26

7. Bo co kt qu hot ng kinh doanh trong 3 nm gn nht .................................................. 26

7.1. Tm tt mt s ch tiu v hot ng sn xut kinh doanh ca GIC ................................. 26

7.2. Nhng nhn t nh hng n hot ng sn xut kinh doanh ca GIC trong nm 2012 27

8. V th ca GIC so vi cc doanh nghip khc trong cng ngnh ............................................. 28

8.1. V th ca GIC trong ngnh............................................................................................... 28

8.2. Trin vng pht trin ca ngnh bo him phi nhn th ................................................... 30

8.3. nh gi v s ph hp nh hng pht trin ca cng ty vi nh hng ca ngnh,

chnh sch ca Nh nc, v xu th chung trn th gii. ...................................................... 30

9. Chnh sch i vi ngi lao ng ........................................................................................... 31

9.1. S lng ngi lao ng trong cng ty ............................................................................. 31

9.2. Chnh sch o to, lng thng, tr cp ........................................................................ 31

10. Chnh sch c tc ca GIC ........................................................................................................ 31

11. Tnh hnh hot ng ti chnh ................................................................................................... 32

11.1. Cc ch tiu c bn ...................................................................................................... 32

11.2. Cc ch tiu ti chnh ch yu ..................................................................................... 35

12. Hi ng qun tr, Ban gim c, Ban kim sot, Gim c Ban Ti chnh k ton .............. 36

12.1. Danh sch Thnh vin Hi ng qun tr ................................................................... 36



12.2. Danh sch Thnh vin Ban Tng Gim c ............................................................... 36

12.3. Danh sch Thnh vin Ban kim sot ......................................................................... 37

12.4. Gim c Ban Ti chnh K ton ................................................................................ 37

13. Ti sn ....................................................................................................................................... 37

14. K hoch sn xut kinh doanh, li nhun v c tc trong nm tip theo .................................. 38

14.1 K hoch doanh thu v li nhun ca GIC giai on 2013 2016 ................................... 38

14.2 Cn c t c k hoch doanh thu v li nhun ....................................................... 39

15. nh gi ca t chc t vn v k hoch li nhun v c tc .................................................. 40

16. Thng tin v nhng cam kt nhng cha thc hin ca Cng ty .............................................. 41

VI. C PHN BN U GI .................................................................................................... 41

1. Loi chng khon ...................................................................................................................... 41

2. Mnh gi .................................................................................................................................... 41

3. Tng s c phn bn u gi ..................................................................................................... 41

4. Cc hn ch lin quan n chuyn nhng c phiu ................................................................ 41

5. Gi khi im bn u gi ........................................................................................................ 41

6. Phng thc phn phi ............................................................................................................. 41

7. i tng tham gia u gi ....................................................................................................... 41

8. Thi gian t chc u gi v cc quy nh lin quan ................................................................ 42

9. Gii hn v t l nm gi i vi nh u t nc ngoi ......................................................... 42

10. Cc loi thu c lin quan ......................................................................................................... 42

11. Ngn hng phong ta nhn tin mua c phn ........................................................................... 42

VII. KHUYN CO CA N V T VN ............................................................................. 42



NI DUNG BN CNG B THNG TIN

I. CN C PHP L CA T CHO BN

Ngh nh 09/2009/N-CP ban hnh Quy ch qun l ti chnh ca Cng ty Nh nc

v qun l vn Nh nc u t vo doanh nghip khc;

Thng t s 117/2010/TT-BTC ngy 05/08/2010 ca B Ti Chnh hng dn c ch

ti chnh ca cng ty TNHH MTV do Nh nc lm ch s hu;

Ngh quyt s 234/NQ-HTV ngy 10/04/2013 ca Hi ng Thnh vin Tp on

in lc Vit Nam v vic thng qua phng n bn u gi c phn ca EVN ti

Cng ty C phn Bo him Ton Cu (GIC);

Cng vn s 5214/BTC-TCDN ngy 26/04/2013 ca B Ti chnh hng dn EVN

chuyn nhng c phn ti GIC;

Hp ng dch v t vn s 07/2013/ABS.TCDN-2013 k ngy 12/04/2013 gia Tp

on in lc Vit Nam v Cng ty C phn Chng khon An Bnh (ABS) v vic t

vn bn u gi c phiu GIC do EVN s hu.

II. CC NHN T RI RO

Cng ty C phn Bo him Ton Cu (GIC) l mt cng ty hot ng trong lnh vc kinh

doanh bo him, ti bo him phi nhn th v u t ti chnh. Hot ng kinh doanh ca

GIC chu nh hng bi nhng yu t ri ro sau y.

1. Ri ro kinh t

Nhng ri ro v kinh t c hnh thnh t s bin ng ca cc nhn t c bn ca nn kinh

t nh tc tng trng kinh t, lm pht, li sut, t gi hi oi L mt cng ty c

phn hot ng trong lnh vc bo him, hot ng kinh doanh ca GIC cng khng nm

ngoi nhng nh hng v tc ng t thay i ca cc nhn t y.

1.1. Ri ro v tc tng trng kinh t

Vit Nam c xem nh mt c hi th trng to ln khi quc gia c s chuyn mnh mnh

m v kinh t v pht trin. Cng cuc i Mi ton din bao gm nhng ci cch kinh t

quan trng c khi xng vo nm 1986 gip Vit Nam chuyn t nn kinh t k

hoch ha tp trung sang nn kinh t th trng nh hng x hi ch ngha, trong s

dng c ch th v k hoch ha ch dn. T nm 1990 n 2008, nn kinh t Vit Nam



tng trng vi tc trung bnh hng nm t 7% - 8%, thu nhp bnh qun u ngi tng

gn gp nm ln. Tuy nhin, cuc khng hong kinh t ton cu nm 2008 cng vi nhng

yu t ni ti mt cn i ca kinh t Vit Nam li nhng nh hng nng n ti tng

trng ca Vit Nam nhng nm gn y. Tc tng trng kinh t cao trc nm 2008

chuyn sang mc thp hn nhiu, ch cn 5% - 6% trong giai on 2008 2012, cng vi

l thm ht thng mi, tht nghip gia tng, th trng chng khon v th trng bt ng

sn suy gim mnh, n xu gia tng do tng trng qu ph thuc vo tn dng ngn hng.

(Ngun: c tng hp t s liu ca Tng cc Thng k)

Bc sang nm 2013, tng trng kinh t Vit Nam din ra trong bi cnh kinh t th gii

tip tc chu nh hng ca suy thoi kinh t, nht l khu vc ng Euro v hu ht cc nc

trong khu vc. Mt s nc iu chnh gim tng trng nm 2013 do tnh hnh kinh t

nhng thng cui nm 2012 khng c nh mong i. Th trng tiu th hng ha thu

hp, nhu cu tiu dng gim st dn n s tr tr ca nhiu nn kinh t ln. trong nc,

mc d mt s cn i v m c nhng ci thin nhng hot ng sn xut kinh doanh ca

cc doanh nghip tip tc i mt vi nhiu kh khn, thch thc. Hng tn kho vn cn cao.

Tnh trng n xu cha c gii quyt. Ngh quyt v K hoch pht trin kinh t - x hi

nm 2013 c Quc hi kha XIII, k hp th t thng qua. Theo , mc tiu tng

qut l vic tng cng n nh kinh t v m; lm pht thp hn, tng trng cao hn nm

2012, trong ch tiu GDP nm 2013 tng khong 5,5%. Theo s liu ca Tng cc Thng



k, tng sn phm trong nc GDP qu I/2013 c tnh tng 4,89% so vi cng k nm

2012, cao hn mc tng 4,75% ca qu I/2012.

1.2. Ri ro v lm pht

Trong kinh t hc, lm pht l s tng ln theo thi gian ca mc gi chung ca nn kinh t.

Trong mt nn kinh t, lm pht l s mt gi tr th trng hay gim sc mua ca ng tin.

Lm pht s gy ra s gia tng chi ph u vo, gim sc mua ca ngi tiu dng t nh

hng trc tip n hiu qu kinh doanh ca cc doanh nghip. Thc o mc lm pht

thng c biu hin thng qua Ch s gi tiu dng (CPI).

.

(Ngun: c tng hp t s liu ca Tng cc Thng k)

Nhng nm gn y, Vit Nam c t l lm pht rt cao, y l hu qu ca vic tng trng

qu nng v ni lng tn dng. Trong giai on hin nay, n nh kinh t v m, kim ch

lm pht l mc tiu hng u ca vic iu hnh chnh sch. Chnh ph Vit Nam c

nhng ch o, iu hnh kp thi kim ch lm pht vi mc tiu l lm pht nm 2013

s thp hn 2012.

i vi hot ng kinh doanh ca Cng ty C phn Bo him Ton Cu (GIC), lm pht

gim s to iu kin cho Cng ty qun l cc chi ph tt hn, nng cao hiu qu hot ng

ca GIC.

http://vi.wikipedia.org/wiki/Kinh_t%E1%BA%BF_h%E1%BB%8Dchttp://vi.wikipedia.org/w/index.php?title=M%E1%BB%A9c_gi%C3%A1&action=edit&redlink=1http://vi.wikipedia.org/w/index.php?title=Gi%C3%A1_tr%E1%BB%8B_th%E1%BB%8B_tr%C6%B0%E1%BB%9Dng&action=edit&redlink=1http://vi.wikipedia.org/wiki/S%E1%BB%A9c_mua



1.3. Ri ro v li sut

Bn cnh mc tiu hng u l n nh kinh t v m v kim ch lm pht, iu hnh ca

Chnh ph cng hng n tng trng kinh t, to iu kin thun li cho kinh doanh ca

cc doanh nghip. Thc t hin nay, Chnh ph c nhng iu hnh chnh sch cc

doanh nghip tip cn c vi cc ngun vn vi li sut thp doanh nghip c th u

t m rng sn xut, gii phng hng tn kho, tng tng cu cho nn kinh t. Vi c th

kinh t Vit Nam l vn cho sn xut kinh doanh phn ln l t vn tn dng ngn hng nn

s bin ng ca li sut c nh hng rt ln n hot ng u t kinh doanh v hiu qu

ca doanh nghip.

Vi c th ngnh kinh doanh bo him, li nhun k vng ca cc doanh nghip bo him

c th b nh hng nhiu bi xu hng gim mnh li sut tin gi trong nm nay bi l cc

khon li t tin gi ngn hng u chim 60 80% doanh thu hot ng ti chnh cho cc

nh bo him v li nhun ti chnh ang chim t trng ln trong tng li nhun ca cc

doanh nghip bo him. Tuy nhin, bn cnh hot ng tin gi, cc doanh nghip bo him

cn to li nhun t hot ng u t ti chnh bao gm cc loi c phiu, tri phiu. V vy,

gc nhn tch cc, bn cnh mt tiu cc th li sut tin gi h s gip gi tr danh mc

u t, c bit l danh mc u t tri phiu ca cc cng ty bo him tng.

2. Ri ro v lut php

L doanh nghip c phn hot ng kinh doanh bo him, hot ng ca GIC chu nh

hng bi cc quy nh php lut v Lut Doanh nghip, Lut Chng khon v lut chuyn

ngnh l Lut Kinh doanh Bo him. Cc vn bn hng dn cc lut ny c ban hnh

nhng vn ang trong qu trnh sa i, hon thin. V vy, s thay i quy nh ca php

lut lin quan s nh hng n hot ng ca Cng ty.

3. Ri ro c th ngnh bo him

Ngnh kinh doanh bo him l mt ngnh cn mi Vit Nam, v vy nhn thc ca ngi

dn vn cha c thi quen s dng cc sn phm bo him. y l yu t thi quen tiu dng

tc ng ln n cc doanh nghip bo him ni chung v GIC ni ring.

Bn cnh , cc cng ty bo him thng xuyn phi i mt vi ri ro trc li bo him

nu quy trnh qun l bi thng khng tt. Trc li bo him l hnh vi kim li bt hp

php trong kinh doanh bo him v thng c din ra di cc dng sau: khai tng gi tr

tn tht; mua bo him sau khi xy ra tn tht; bo him trng; c gy tn tht cho i

tng bo him; to hin trng gi . Hnh vi trc li bo him thng gy ra nhng tn



tht ln cho cc cng ty bo him, trc li bo him c th n t ngi mua bo him hoc

chnh nhn vin ca cng ty bo him khi h thng ng vi ngi mua bo him. y l ri

ro o c ngh nghip m Cng ty C phn Bo him Ton Cu (GIC) lun phi ch .

4. Ri ro khc

Bn cnh nhng yu t ri ro nu trn, cn c cc yu t ri ro xy ra do hin tng thin

nhin khch quan, mang tnh bt kh khng nh thin tai (bo, lt, hn hn, dch bnh, ng

t...), chin tranh hoc ha hon... Nhng ri ro ny nu xy ra s gy tn tht cho cc i

tng bo him lm pht sinh chi ph bi thng ca Cng ty.

III. NHNG NGI CHU TRCH NHIM CHNH I VI NI DUNG BN

CNG B THNG TIN

1. T chc pht hnh


i din: ng Phan Hong Chung Thy Chc v: Tng Gim c

Tr s: Tng 16, Ta nh Nam . S 201- 203 Cch Mng Thng 8, Q.3, Tp. H Ch Minh.

in thoi: (08)3 9293 555 Fax: (08)3 9293 666

Chng ti xc nhn rng Tp on in lc Vit Nam (EVN) l c ng c quyn s hu

y v hp php i vi s c phn cho bn v m bo rng cc thng tin v s liu

trong Bn cng b thng tin ny l ph hp vi thc t m chng ti c bit, hoc iu

tra, thu thp mt cch hp l. Vic cho bn c phn ny khng phi l t cho bn huy

ng vn cho Cng ty m ch lm thay i t l s hu trong c cu c ng v khng lm

thay i mc vn iu l ng k ca Cng ty.

2. T chc cho bn c phn

TP ON IN LC VIT NAM

i din: ng Phm L Thanh Chc v: Tng Gim c

Tr s chnh: s 18 ph Trn Nguyn Hn, qun Hon Kim, thnh ph H Ni.

in thoi (84-4) 2.2201371 Fax: (84-4) 2.2201369



3. T chc t vn bn u gi

CNG TY C PHN CHNG KHON AN BNH (ABS)

i din: ng Nguyn Thanh Hi Chc v: Tng Gim c

Tr s chnh: 101 Lng H, ng a, Thnh ph H Ni

in thoi: (04)3 5624626 Fax: (04)3 5624628

Website: www.abs.vn

Bn cng b thng tin ny l mt phn ca h s bn c phn ca Tp on in lc Vit

Nam (EVN) ti Cng ty C phn Bo him Ton Cu (GIC) do Cng ty C phn Chng

khon An Bnh (ABS) tham gia lp v cng b trn c s Hp ng dch v t vn s

07/2013/ABS.TCDN-2013 k ngy 12/04/2013 gia EVN v ABS. Chng ti m bo rng

vic phn tch, nh gi v la chn ngn t trong Bn cng b thng tin ny c phn nh

trung thc da trn c s cc thng tin v s liu do Tp on in lc Vit Nam v Cng ty

C phn Bo him Ton Cu cung cp. Bn Cng b thng tin ny ch c gi tr tham

kho.

IV. CC KHI NIM V T VIT TT

EVN Tp on in lc Vit Nam

EAB Ngn hng ng

GIC Cng ty C phn Bo him Ton Cu

Cng ty Cng ty C phn Bo him Ton Cu

HC i hi ng c ng

HQT Hi ng Qun tr

BKS Ban Kim sot

UBCKNN y ban Chng Khon Nh nc

S GDCK S Giao dch Chng khon

HNX S Giao dch Chng khon H Ni

http://www.abs.vn/



V. TNH HNH V C IM CA CNG TY C PHN BO HIM TON CU

1. Gii thiu v Cng ty C phn Bo him Ton Cu

1.1 Qu trnh hnh thnh v pht trin

Cng ty C phn Bo him Ton Cu (GIC) c thnh lp theo Giy php thnh lp v hot

ng s 37 GP/KDBH ngy 19/06/2006 do B trng B Ti chnh cp. Vn iu l ca

GIC khi thnh lp l 80.000.000.000 ng Vit Nam. Thi hn hot ng ca Cng ty l 99

nm.

Ngy 11/07/2008, Cng ty c B trng B Ti chnh cp Giy php iu chnh s

37/GPC2/KDBH, theo vn iu l ca Cng ty c nng ln 300.000.000.000 ng

Vit Nam.

Ngy 28/02/2011, Cng ty c B trng B Ti chnh cp Giy php iu chnh s

37/GPC6/KDBH, theo vn iu l ca Cng ty c nng ln 400.000.000.000 ng

Vit Nam.

1.2 Gii thiu v Cng ty

Tn Cng ty Cng ty C phn Bo him Ton Cu

Tn giao dch Cng ty Bo him Ton Cu

CNKKD Chng nhn ng k kinh doanh

ABS Cng ty C phn Chng Khon An Bnh

. Du dng tch cc n v hng chc, hng trm... trong

cc con s

CP C phn

BCTC Bo co ti chnh

TSC Ti sn c nh

PGD Phng giao dch



Tn Ting Anh Global Insurance Company

Tn vit tt GIC

Logo

Tr s chnh Tng 16, Ta nh Nam . S 201- 203 Cch Mng Thng 8,

phng 4, qun 3, Tp. H Ch Minh

in thoi (08)3 9293 555

Fax (08)3 9293 666

Giy php thnh lp v

hot ng

Giy php thnh lp v hot ng s 37 GP/KDBH ngy

19/06/2006 do B trng B Ti chnh cp

Ngnh ngh kinh

doanh (theo Giy php)

Kinh doanh bo him gc: Bo him sc khe v bo him

tai nn con ngi; Bo him ti sn v bo him thit hi;

Bo him hng ha vn chuyn ng b, ng bin,

ng sng, ng st v ng khng; Bo him Hng

Khng; Bo him xe c gii; Bo him chy n; Bo him

thn tu v trch nhim dn s ca ch tu; Bo him trch

nhim chung; Bo him tn dng v ri ro ti chnh; Bo

him thit hi kinh doanh; Bo him nng nghip;

Kinh doanh ti bo him: Nhn v nhng ti bo him i

vi tt c cc nghip v bo him phi nhn th;

Tin hnh cc hot ng u t theo quy nh ca php lut;

Cc hot ng khc theo quy nh ca php lut.

Vn iu l hin ti 400.000.000.000 ng Vit Nam



2. C cu t chc v b my qun l Cng ty

3. C cu vn iu l ca GIC

Vn iu l hin ti ca GIC l 400.000.000.000 ng Vit Nam. C ng sng lp ca GIC

bao gm: Tng Cng ty C phn Ti bo him Quc gia Vit Nam, Cng ty C phn u t

pht trin th v Khu cng nghip Sng , Ngn hng Thng mi c phn ng v

mt s c ng c nhn khc. C cu vn iu l hin ti ca GIC nh sau:



Bng 1: C cu vn iu l ca GIC

Stt i tng c ng S vn s hu

(VN)

T l s hu

(%)

1 C ng sng lp 129.690.500.000 32,42

2 C ng s hu trn 10% vn iu l 190.000.000.000 47,5

2.1 Cng ty ERGO International AG 100.000.000.000 25

2.2 Tp on in lc Vit Nam 90.000.000.000 22,5

3 C ng khc 80.309.500.000 20,08

Tng cng 400.000.000.000 100

(Ngun: Giy php iu chnh s 37/GPC6/KDBH ca GIC)

Tng s c ng ca GIC ti ngy 30/04/2013 l 98 c ng, Cng ty cha thc hin cho

bn c phiu ra cng chng v cng cha nim yt c phiu ti cc S Giao dch chng

khon. Theo nh quy nh ca php lut hin hnh, Cng ty C phn Bo him Ton Cu

(GIC) cha phi l cng ty i chng.

4. Danh sch nhng cng ty m v cng ty con ca GIC, nhng cng ty m GIC ang

nm gi quyn kim sot hoc c phn chi phi, nhng cng ty nm quyn kim

sot hoc c phn chi phi i vi GIC

Danh sch cng ty m v cng ty con ca GIC: Khng c

Nhng cng ty m GIC ang nm gi quyn kim sot hoc c phn chi phi: Khng

c

Nhng cng ty nm quyn kim sot hoc c phn chi phi i vi GIC: Khng c

5. Hot ng kinh doanh

5.1. Cc sn phm bo him

Kinh doanh trong lnh vc bo him phi nhn th, cc sn phm bo him ca GIC bao gm:



Bo him t c cc dng sn phm

Bo him vt cht xe

Bo him trch nhim dn s

Bo him li xe, ph xe v ngi ngi trn xe

Bo him trch nhim dn s ca ch xe i vi

hng ha vn chuyn trn xe

Bo him xe my c cc dng sn phm

Bo him trch nhim dn s ch xe i vi ngi

th 3

Bo him tai nn ngi ngi trn xe

Bo him chy/ha hon, n xe

Bo him Nh t nhn

GIC nhn trch nhim bi thng cho ti sn c

bo him bi nhng ri ro ha hon, st nh, n ni

hi phc v sinh hot, hi t phc v sinh hot, thp

sng hoc si m trong nh

Bo him Du lch quc t

GIC s chu trch nhim bi thng cc chi ph y t

pht sinh t vic iu tr cho thng tt thuc phm

vi bo him bao gm:



Cc khon chi ph nm vin, phu thut, xt nghim chn on, khm bnh, thuc c

k theo n, tin phng v tin n trong bnh vin.

Chi ph pht sinh cho vic iu tr cc bin chng thai sn cn phi c nhp vin

iu tr.

Chi ph iu tr ngoi tr, bao gm chi ph khm bnh v thuc c k theo n, chp

x-quang, xt nghim chun on.

Ngoi ra, khch hng s ch hng tr cu y t: Cng ty Cu tr s thc hin dch v tr

cu y t khn cp v dch v h tr du lch cho khch hng khi s dng nhng dch v lit

k di y:

Vn chuyn cp cu

Hi hng

Bo lnh vin ph

a thn nhn i thm

Chi ph a tr em hi hng

Vn chuyn hi ct/mai tng

Bo him An ton c nhn

Phm vi bo him:

Cht do tai nn

Thng tt thn th do tai nn

Cc trng hp tai nn xy ra do c hnh ng

cu ngi, cu ti sn ca Nh nc, ca nhn

dn v tham gia chng cc hnh ng phm

php.



Bo him Doanh nghip

GIC cung cp cc loi hnh bo him ti sn a dng

cho khch hng doanh nghip nh sau:

Bo him Ti sn

Bo him K thut

Bo him Trch nhim

Bo him Hng Khng

Bo him Tu

Bo him Hng ha Vn chuyn

5.2. Hot ng ti chnh

Bn cnh mng kinh doanh chnh l kinh doanh bo him, hot ng ti chnh cng em li

thu nhp ng k cho GIC, trong ch yu l t li tin gi ngn hng. Hot ng ti chnh

ca GIC bao gm: Tin gi ngn hng; Cho vay theo quy nh; u t chng khon.

6. Gi tr dch v qua cc nm

6.1. Hot ng kinh doanh bo him

Doanh thu ph bo him gc

Bng 2: Doanh thu ph bo him gc ca GIC giai on 2010 - 2012

n v tnh: triu ng

Loi hnh bo him Nm 2010 Nm 2011 Nm 2012

Gi tr T trng Gi tr T trng Gi tr T trng

Bo him Ti sn v thit hi 104.284 28% 149.771 32% 140.704 29%

Bo him Xe C gii 98.576 26% 121.254 26% 131.113 27%

Bo him Sc khe v Tai nn 37.791 10% 55.629 12% 71.203 14%

Bo him Chy n 38.779 10% 40.525 9% 57.785 12%

Bo him Tu v trch nhim dn s Ch Tu 63.162 17% 61.676 13% 39.368 8%

Bo him Hng ha 18.741 5% 31.850 7% 30.594 6%

Bo him Hng khng - 0% 8.493 2% 14.799 3%

Bo him Trch nhim chung 8.370 2% 2.469 1% 4.365 1%

Bo him Nng nghip 5.697 2% - 0% 1.015 0%

Bo him Tn dng v Ri ro ti chnh - 0% 116 0% 192 0%





Bo him Thit hi Kinh doanh 1.292 0% 642 0% - 0%

Tng doanh thu ph bo him gc 376.692 100% 472.423 100% 491.138 100%

(Ngun: Bo co ti chnh nm 2011 v 2012 c kim ton ca GIC)

Trong c cu doanh thu ph bo him gc ca GIC th loi hnh Bo him ti sn v thit hi; Bo him xe c gii thng chim t trng cao v ng

gp nhiu vo doanh thu bo him ca Cng ty, y cng l nhng loi hnh bo him truyn thng mang tnh ph thng ca cc doanh nghip bo

him. Tuy nhin, mc li nhun bin ca cc loi hnh bo him ny thng khng cao do nhiu cng ty bo him cnh tranh dn n ph bo him

thp.



C cu doanh thu bo him gc ca GIC nm 2011

C cu doanh thu bo him gc ca GIC nm 2012

Doanh thu ph nhn ti bo him

Bng 3: Doanh thu ph nhn ti bo him ca GIC giai on 2010 - 2012

n v tnh: triu ng



Bo him Ti sn v thit hi 3.382 15% 5.043 26% 3.796 16%

Bo him Xe C gii 101 0% 206 1% 1.154 5%

Bo him

Ti sn v

thit hi, 32%

Bo him Xe C gii, 26%

Bo him Sc khe v Tai nn,

12%

Bo him Chy n,

8%

Bo him Tu v trch nhim dn s Ch Tu, 13%

Bo him Hng ha, 7%

Bo him Hng khng, 2%

Bo him Trch nhim

chung, 0% Bo him Nng

nghip, 0%

Bo him Tn dng v Ri ro ti chnh, 0%

Bo him Thit hi Kinh doanh,

0%

Bo him Ti sn v thit hi, 29%

Bo him Xe C gii, 27%

Bo him Sc khe v Tai nn,

14%

Bo him Chy n, 12%

Bo him Tu v trch nhim dn s Ch Tu, 8%

Bo him Hng ha, 6%

Bo him Hng khng, 3%

Bo him Trch nhim chung, 1%

Bo him Nng nghip, 0%

Bo him Tn dng v Ri ro ti

chnh, 0%

Bo him Thit hi Kinh doanh,

0%





Bo him Sc khe v Tai nn 143 1% - 0% 126 1%

Bo him Chy n 5.148 23% 3.062 16% 7.559 31%

Bo him Tu v trch nhim dn s Ch Tu 5.303 24% 5.498 29% 3.769 16%

Bo him Hng ha 5.570 25% 4.597 24% 4.562 19%

Bo him Hng khng 1.955 9% 563 3% 2.497 10%

Bo him Trch nhim chung 504 2% 274 1% 310 1%

Bo him Nng nghip - 0% - 0% 362 1%

Bo him Tn dng v Ri ro ti chnh 40 0% 45 0,2% 23 0,1%

Tng doanh thu ph ti bo him 22.147 100% 19.289 100% 24.159 100%

(Ngun: Bo co ti chnh nm 2011 v 2012 c kim ton ca GIC)

6.2. Hot ng ti chnh

Bng 4: Doanh thu hot ng ti chnh ca GIC giai on 2010 - 2012



Hot ng ti chnh

Nm 2010 Nm 2011 Nm 2012 Qu I/2013

Gi tr

(triu

VN)

T

trng

Gi tr

(triu

VN)

T trng

Gi tr

(triu

VN)

T

trng

Gi tr

(triu

VN)

T

trng

Thu nhp t li tin gi ngn hng 18.346 44% 64.227 73% 49.954 83% 11.255 84%

Thu nhp t li cho vay 9.442 22% 4.875 6% 6.286 10% 249 2%

Thu nhp t li u t tri phiu 1.244 3% 1.450 2% 1.556 3%

Li t chnh lch t gi thc hin 2.355 6% 8.995 10% 1.412 2% 218 2%

Thu nhp t li u t chng khon 2.467 6% 741 1% 473 1% 992 7%

Li t chnh lch nh gi li ti sn 236 1% 4.637 5% 468 1% 430 3%

Thu nhp c tc c chia 8.052 19% 3.623 4% 253 0% 192 1%

Tng cng 42.141 100% 88.548 100% 60.402 100% 13.336 100%

(Ngun: Bo co ti chnh kim ton nm 2011, 2012 v Qu I/2013 do GIC t lp)



Thu nhp t hot ng ti chnh l ngun thu kh ln ca GIC, trong chim t trng cao

nht l doanh thu t li tin gi ngn hng, vi t trng tng ng l 73% cho nm 2011 v

83% trong nm 2012. Trong xu hng li sut tin gi gim nh hin nay, thu nhp tin gi

ca GIC c th s b nh hng mnh.

6.3. Chi ph hot ng kinh doanh ca GIC

Bng 5: Chi ph hot ng ti chnh ca GIC giai on 2010 - 2012

Khon mc chi

ph

Nm 2010 Nm 2011 Nm 2012 Qu I/2013

Gi tr

(triu

VN)

% DT

thun

Gi tr

(triu

VN)

% DT

thun

Gi tr

(triu

VN)

% DT

thun

Gi tr

(triu

VN)

% DT

thun

Chi bi thng bo

him gc 95.627 41% 132.249 45% 198.309 58% 49.003 55%

Chi bi thng

nhn ti bo him 8.356 4% 6.832 2% 13.674 4% 378 0%

Bi thng thuc

phn trch nhim

gi li

77.569 33% 96.237 33% 129.716 38% 49.380 55%

Chi khc hot ng

kinh doanh bo

him

37.933 16% 53.737 18% 56.358 16% 10.632 12%

Chi ph bn hng 881 0,4% 226 0,1% 55 0,02% 12.811 14%

Chi ph qun l

doanh nghip 105.105 45% 145.820 50% 149.990 44% 19.988 22%

Chi ph khc 1.335 1% 1.486 1% 1.047 0,3% 10 0%

(Ngun: Bo co ti chnh c kim ton nm 2011, nm 2012 v qu I/2013 do GIC t lp)



Trong c cu chi ph hot ng ca GIC th chi ph bi thng bo him gc thng chim

t trng cao nht so vi doanh thu thun, vi t l tng ng l 45% v 58% cho nm 2011

v 2012. Ngoi ra, chi ph qun l doanh nghip ca GIC hng nm cng chim t trng ln

so vi doanh thu, iu ny i hi GIC phi tp trung qun l chi ph tt hn na nng

cao hiu qu kinh doanh ca mnh.

6.4. Tnh hnh nghin cu v pht trin sn phm mi

Trong thi gian ti, tip tc xy dng mng li v pht trin kinh doanh, GIC c k

hoch trin khai mt s sn phm sau:

i vi Bo him Ti sn K thut, bn cnh cc sn phm bo him hin c, GIC s

pht trin cc sn phm mi p ng nhu cu ca th trng.

i vi cc sn phm mi GIC ang xy dng nh Bo him trch nhim ngh

nghip; Bo him cy trng; Bo him bo lnh, tn dng: GIC s nghin cu thm v

phm vi bo him, s liu thng k, k thut nh gi ri ro, xy dng biu ph v tm

nh ti bo him cho sn phm.

Xy dng Knh Bancassurance: y l mt knh phn phi m GIC c gng xy

dng nhm m rng knh bn l theo nh hng ca Cng ty. n Knh

Bancassurance ang c GIC xy dng v ban u s hp tc vi Ngn hng ng

. Vi tim nng v h thng khch hng c nhn hin c ca Ngn hng ng ,

GIC rt k vng vo s thnh cng ca knh phn phi ny, c tnh t l doanh thu

cho n nm 2016 qua knh Bancassurance chim khong 13% tng doanh thu.

Chi bi thng

bo him gc, 30%

Chi bi thng nhn ti

bo him, 2%

Bi thng thuc

phn trch nhim gi li, 22%

Chi khc hot ng

kinh doanh

bo him, 12%

Chi ph bn hng, 0%

Chi ph qun l doanh

nghip, 34%

Chi ph khc, 0%

Chi ph hot ng kinh doanh ca GIC nm 2011

Chi bi thng

bo him gc, 36%

Chi bi thng nhn ti

bo him, 3%

Bi thng thuc phn trch nhim

gi li,24%

Chi khc hot ng kinh

doanh BH,10%

Chi ph bn

hng, 0%

Chi ph qun l doanh

nghip, 27%

Chi ph khc, 0%

Chi ph hot ng kinh doanh ca

GIC nm 2012



6.5. Tnh hnh kim tra cht lng sn phm dch v

GIC thc hin nghim tc cng tc kim tra, kim sot ni b theo k hoch thng xuyn

v t xut. Bn cnh , GIC cng thng tin hnh o lng s hi lng ca khch hng,

pht hin kp thi nhng thiu st trong hot ng kinh doanh v c bin php khc phc kp

thi, m bo cc quy nh ca Cng ty v chnh sch php lut ca Nh nc c tun th,

m bo li ch tha ng v kp thi ca khch hng.

Mi khiu ni, phn nn ca khch hng u c GIC tip nhn v x l thng qua ng

giy nng ca Trung tm dch v khch hng.

6.6. Hot ng Marketing

Mng li hot ng tri di gn 60 tnh thnh trn ton quc vi i ng cn b nhn vin

c nng lc chuyn mn cao, GIC v ang phc v gn 35.000 khch hng doanh nghip

v trn 50.000 khch hng c nhn.

Ngay t khi thnh lp, GIC c nh hng tr thnh mt trong nhng cng ty bo him

phi nhn th hng u Vit Nam vi danh mc sn phm a dng, c thng hiu uy tn.

Mc tiu ca GIC trong nhng nm ti l cng c c cu t chc, nng cao nng lc cnh

tranh thng qua nng cao cht lng cc dch v v qun l bi thng, pht trin h thng

mng li, knh phn phi nhm nng cao hiu qu trong kinh doanh bo him v a Cng

ty tr thnh mt trong nm cng ty bo him phi nhn th c doanh thu ln nht Vit Nam.

7. Bo co kt qu hot ng kinh doanh trong 3 nm gn nht

7.1. Tm tt mt s ch tiu v hot ng sn xut kinh doanh ca GIC

Bng 6: Mt s ch tiu v hot ng ca GIC trong giai on 2010 - 2012

n v tnh: t ng

Ch tiu Nm 2010 Nm 2011 Nm 2012

% tng

gim 2012

so vi 2011

Tng gi tr ti sn 698 1.484 1.450 -2,27%

Doanh thu thun 236 293 343 17,22%

Li nhun gp hot ng KDBH 104 123 153 20,39%



Ch tiu Nm 2010 Nm 2011 Nm 2012

% tng

gim 2012

so vi 2011

Li nhun khc -0,28 -1,25 -0,92 26,4%

Li nhun trc thu 32,45 47,86 46,36 -3,15%

Li nhun sau thu 26,05 36,46 34,46 -5,49%

(Ngun: Bo co ti chnh kim ton nm 2011, nm 2012 ca GIC)

Doanh thu thun hot ng kinh doanh bo him ca GIC nm 2012 c tng trng 17,22%

so vi nm 2011 to iu kin cho li nhun gp hot ng kinh doanh bo him nm

2012 tng 20,39% so vi nm 2011 v t con s 153 t ng. Tuy nhin, xu hng gim li

sut huy ng tin gi ca ngn hng trong nm 2012 lm cho li nhun hot ng ti

chnh ca GIC gim i kh nhiu. Kt thc nm 2012, Cng ty t 34,46 t ng li nhun

sau thu, gim 5,49% so vi kt qu t c trong nm 2011.

7.2. Nhng nhn t nh hng n hot ng sn xut kinh doanh ca GIC trong nm 2012

Nhng yu t thun li

GIC c i ng cn b v ngun nhn lc ng o, vi mng li kinh doanh rng

khp c phn b trn c nc;

Ban lnh o GIC l nhng cn b c b dy kinh nghim, cng tc lu nm trong

ngnh bo him phi nhn th, c mi quan h rng vi cc ban ngnh qun l Nh

nc v cc khch hng ln;

S hp tc chin lc gia GIC v ERGO- mt trong nhng tp on bo him ln

nht Chu u vo thng 3/2011 mang li cho GIC c hi nng cao hn na cht

lng sn phm v dch v n vi khch hng.

Nhng yu t bt li

Tnh hnh kh khn chung ca kinh t ton cu to nn nhng tr ngi ln i vi

ngnh bo him ni chung v bo him phi nhn th ni ring. Hot ng ca GIC

cng khng nm ngoi s kh khn chung y;



Nm 2011 v 2012 l nhng nm c nhiu tn tht do cc thm ha t nhin, hn na

cng vi s cnh tranh gay gt v th trng, tng trng doanh thu trn th trng

thp nn dn n mt s doanh nghip khai thc bt chp ri ro nhm t k hoch

nm, iu ny gy kh khn hn cho vic tng trng doanh thu v cnh tranh ca

GIC

8. V th ca GIC so vi cc doanh nghip khc trong cng ngnh

8.1. V th ca GIC trong ngnh

Cc i th cnh tranh ca GIC

Nhm cc i th cnh tranh hng u ca GIC l Bo Vit, Bo Minh, PVI, PJICO,

nhng doanh nghip dn u th trng bo him phi nhn th v doanh thu, c

tn tui, thng hiu trn th trng nhiu nm, c mi quan h khch hng ln, lu

i, n nh, c nng lc ti chnh hn hn GIC. Th mnh ca cc i th cnh tranh

ny cn l mng li phn phi rng khp, hoc c quan h trong ngnh (h thng

Tp on Du kh, Xng du ); c mi quan h lu i vi cc tng cng ty ln, chi

phi cc hot ng xut nhp khu v ngnh hng (Vinamilk, VinaFoods) nn c

kh nng dnh c nhiu dch v, dch v ln, t doanh thu rt cao. Ngoi ra, cc

doanh nghip i th cnh tranh ny cn c lc lng khai thc vin bo him ng,

chuyn nghip; h thng qun l, h thng IT h tr khch hng tt; qun l ri ro tt

hn, gim nh tn tht v x l bi thng kh nhanh chng, kp thi.

Nhm cc i th cnh tranh tip theo ca GIC cn l nhng cng ty bo him ra i

sau ny, gn nh cng thi gian vi GIC, ang c doanh thu v th phn bo him

tng i cao nh PTI, BIC, Bo Long, ABIC, MIC Nhng cng ty bo him ny

nhn c s h tr rt cao t cc c ng chin lc trong ngnh ca h nh ngnh

Bu in, ngn hng BIDV, ngn hng Nng nghip, ngn hng Qun i to nn

mng li khai thc bo him kh rng ln.

Ni chung, cc i th cnh tranh ca GIC u sn sng v tim lc ti chnh h

tr cho vic cho chi ph thp, cnh tranh m rng iu khon bo him, b min

thng hoc min thng rt thp, chi ph khai thc, hoa hng cao hn.

im mnh ca GIC



Ban lnh o GIC l nhng ngi c nhiu kinh nghim trong ngnh bo him, c

mi quan h rng vi cc ban ngnh qun l Nh nc cng nh khch hng. Cc cn

b nghip v ch cht c nhiu nm kinh nghim t cc cng ty bo him khc

chuyn qua;

GIC c c ng chin lc l Tp on in lc Vit Nam (EVN) v Ngn hng

ng (EAB), nn c iu kin tip cn bo him cho cc d n u t, bo him

ti sn, hng ha ca cc n v thuc EVN, bo him cho ti sn ca EAB hay thng

qua h thng ca EAB bn bo him, v pht trin m hnh Bancassurance sau

ny. C ng chin lc ERGO l tp on bo him ln, c kinh nghim bn l sn

phm bo him, c kh nng h tr GIC pht trin v mng kinh doanh ny;

Ti nay, GIC trin khai y cc dng nghip v, cc sn phm bo him chnh

yu c mt trn th trng. Qua 5 nm hot ng, GIC cn tham gia vo mt s d

n, dch v ln ca EVN, thu ht v thit lp quan h tt vi nhiu khch hng ln

trong cc nghip v, qua tch ly thm nhiu kinh nghim v nng lc, nng cao v

tr ca mnh trn th trng bo him.

GIC thit lp c mng li 18 chi nhnh (k c Hi s pha Bc v S giao dch

pha Nam) v 52 phng kinh doanh c mt ti 48 tnh thnh, phn b ch yu cc

a bn kinh t trng im.

im yu ca GIC

Mc d c quan h chin lc vi EVN v EAB, tuy nhin khng phi tt c cc

a phng GIC u nhn c s h tr khai thc tt li th ny. S lng khch

hng tim nng v khch hng s dng dch v bo him ca GIC cn t;

H thng mng li kh nhiu nhng khu qun l cn nhiu bt cp, khng ng

u. Mt s chi nhnh qu ti khi phi qun l a bn ln gm nhiu tnh, thnh ph

xa;

Nhn s ca GIC cn thiu v nhn chung u yu v cc lnh vc qun l, kinh

doanh, cha c o to tt v nghip v, cha lc lng khai thc vin chuyn

nghip, c kinh nghim trin khai bo him. Do vn ha t chc cha nh hnh

nn tnh tun th quy trnh, tnh k lut, kh nng phi hp nhm cha cao;



Nhn vin cc Ban nghip v ti tr s chnh cha c kh nng c lp hng dn

cc chi nhnh, b my khai thc cng nh nhn s bo him cha c chuyn mn

ha, mt ngi khai thc nhiu nghip v hoc mt ngi va khai thc va gim

nh, bi thng;

Cha xy dng c h thng IT h tr cho cng tc qun l, khai thc, bi thng

trong ton Cng ty.

8.2. Trin vng pht trin ca ngnh bo him phi nhn th

Th trng bo him c d bo cn nhiu tim nng pht trin trong thi gian ti t

nhng du hiu tch cc ca nn kinh t, ngnh v chnh sch qun l ca Nh nc.

Nhng chuyn bin tch cc ca nn kinh t s to iu kin cho s phc hi ca hot

ng kinh doanh bo him, ph bo him s tng trng mnh hn c bit l cc

th trng bo him mi nh Chu , Chu M Latinh v mt s loi hnh bo him

nh bo him sc khe, xe c gii, bo him bo lnh v bo him k thut

Nhu cu s dng bo him s tng trong tng lai do nhn thc v sn phm bo

him ngy cng c nng cao v mc thu nhp trung bnh ngy mt c nng cao.

Theo d on ca hng nghin cu Business Monitor International (BMI) th mc

tng trng bnh qun ca th trng bo him phi nhn th Vit Nam trong 5 nm ti

l 18%/nm;

Tim nng ca th trng bo him Vit Nam cn rt ln khi tng doanh thu ph bo

him ch chim khong 2,3% GDP trong khi t l ny ti cc nc trong khu vc nh

Hng Kng, Singapore l 6-7% GDP.

8.3. nh gi v s ph hp nh hng pht trin ca cng ty vi nh hng ca ngnh, chnh sch ca Nh nc, v xu th chung trn th gii.

Vit Nam ang trong thi k hon thin khung php l v nng cao nng lc qun l th

trng bo him, cng vi vic ban hnh hoc ang trong giai on d tho mt s vn

bn quan trng nh Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him (s

61/2010/QH12), Ngh nh ca Chnh ph quy nh chi tit thi hnh mt s iu ca Lut

sa i, b sung mt s iu ca Lut Kinh doanh bo him Vic xy dng, hon thnh v

i vo hiu lc ca cc vn bn ny v phng din qun l nh nc s c nh hng su



sc n ton b th trng bo him Vit Nam, trong c GIC. iu t ra thch thc

mi cho cc doanh nghip bo him, i hi phi tun th ng cc quy nh php lut ca

Nh nc, phi nng cao nng lc cnh tranh chun b thch ng vi vic cho php cc

doanh nghip bo him nc ngoi c cung cp dch v bo him qua bin gii, thnh lp

chi nhnh doanh nghip bo him nc ngoi ti Vit Nam. ng thi s hon thin mi

trng php l cng to iu kin hon thin v n nh, m rng nhu cu v th trng bo

him, to ra c hi cc doanh nghip bo him khai thc tim nng bo him trong nhng

lnh vc cn cha c quan tm ng mc nh bo him nng nghip, bo him tn dng

xut khu, bo him trch nhim ngh nghip, trch nhim sn phm; hay lnh vc hon ton

mi nh bo him nng lng nguyn t.

9. Chnh sch i vi ngi lao ng

9.1. S lng ngi lao ng trong cng ty

n thi im ngy 01/01/2013, tng s nhn s ca GIC l 533 ngi, trong ti tr s

chnh c 100 ngi, chi nhnh c 433 ngi. T l nhn s kinh doanh trn tng s nhn

s l 69,6%. Hin nay, t l nhn s c bng cp trn i hc l 1,5%; i hc 61%; cao

ng 10,3%; trung cp v ph thng 27,2%.

9.2. Chnh sch o to, lng thng, tr cp

Cng ty c mt s hot ng, chng trnh nhn vin thng tin ngh nghip thng qua

o to ni b, mi ging vin bn ngoi o to, c ngi i hc

Mc lng thng v tr cp cho cn b nhn vin trong Cng ty c thc hin theo cc

quy nh ca Cng ty v quy nh ca php lut. Mc lng bnh qun ca GIC nm 2012 l

7.189.045 ng/ngi/thng

10. Chnh sch c tc ca GIC

Chnh sch c tc c Cng ty thc hin chi tr theo cc quy nh ca php lut v theo

iu l ca Cng ty. C tc c GIC chi tr cho cc c ng sau khi Cng ty hon thnh

cc ngha v np thu, trch lp cc qu bt buc v cc ngha v ti chnh khc theo quy

nh.

Bng 7: T l chi tr c tc ca GIC trong cc nm qua



Mc c tc Nm 2010 Nm 2011 Nm 2012

T l tr c tc (% trn vn iu l) 8,0% 9,0% 6,0%

(Ngun: GIC)

11. Tnh hnh hot ng ti chnh

11.1. Cc ch tiu c bn

Trch khu hao TSC

Khu hao TSC c trch theo phng php khu hao ng thng trong sut thi gian

hu dng c tnh ca cc ti sn nh sau:

Nh ca, vt kin trc 25 nm

Phng tin vn ti 6 8 nm

Thit b, dng c qun l 3 6 nm

Ti sn khc 3 5 nm

Bng 8: Khu hao TSC trong nm 2011 v 2012

n v tnh: ng

Gi tr hao mn ly k Ti 31/12/2011 Ti 31/12/2012

TSC hu hnh 8.860.619.767 11.478.815.918

TSC v hnh 70.555.403 98.973.041

(Ngun: bo co ti chnh kim ton nm 2011 v 2012 ca GIC)

Mc lng bnh qun:

Mc lng bnh qun ca GIC mc trung bnh trong ngnh

Bng 9: Mc lng bnh qun ca GIC

Nm 2010 Nm 2011 Nm 2012

Mc lng bnh qun

(ng/ngi/thng)

8.385.237 8.131.480 7.189.045

(Ngun: GIC)

Thanh ton cc khon n n hn



GIC thc hin thanh ton y v ng hn cc khon n n hn tr. Cn c bo co kim

ton nm 2012, Cng ty khng c cc khon n n hn tr b qu hn.

Cc khon phi np theo lut nh

n thi im hin nay, Cng ty thc hin tt vic thanh ton cc khon phi np theo lut

nh. Cc khon ny bao gm: thu gi tr gia tng; thu thu nhp doanh nghip; thu nh

thu; thu thu nhp c nhn

Trch lp cc qu theo lut nh

Theo quy nh ti iu l Cng ty, sau khi hon thnh ngha v np thu, trch lp qu d

tr bt buc v cc ngha v ti chnh khc theo quy nh ca php lut, Cng ty s trch lp

cc qu v s dng s li nhun cn li nh sau:

Qu pht trin kinh doanh;

Qu phc li;

Qu khen thng; v

Tr c tc cho cc c ng.

Tnh hnh cng n

Cc khon phi thu

Bng 10: Cc khon phi thu ca GIC

n v tnh: triu ng

Khon mc Ti ngy

31/12/2010

Ti ngy

31/12/2011

Ti ngy

31/12/2012

Phi thu ca khch hng 259.353 661.286 660.594

Tr trc cho ngi bn 630 630 2.550

Thu GTGT c khu tr 232 362 65

Cc khon phi thu khc 34.187 163.836 206.972

D phng cc khon phi thu kh i (5.727) (23.614) (54.245)

Tng cc khon phi thu 288.674 802.500 815.936




Cc khon phi tr

Bng 11: Cc khon phi tr ca GIC trong nm 2011 v 2012

n v tnh: triu ng

TNG N PHI TR

Ti ngy

31/12/2010

Ti ngy

31/12/2011

Ti ngy

31/12/2012

329.802 813.699 729.613

I. N ngn hn 175.125 299.691 256.118

1. Phi tr ngi bn 134.336 201.656 210.495

2. Thu v cc khon phi np Nh nc 9.570 5.775 13.654

3. Phi tr ngi lao ng 7.466 6.837 6.687

4. Cc khon phi tr, phi np ngn hn

khc 23.753 85.423 25.282

II. N di hn 2 60 668

1. Qu d phng tr cp mt vic lm 1,82 59,96 668

III. D phng 154.402 512.387 472.613

1. D phng ph 74.841 101.414 102.388

2. D phng bi thng 64.774 388.345 354.672

3. D phng dao ng ln 14.787 22.629 15.553

IV. N khc 274 1.561 215

1. Thu thu nhp hon li phi tr 266 1.536 187

2. Qu khen thng, phc li 8 25 28




Cn c vo cc bo co ti chnh kim ton nm 2011 v 2012, GIC khng c cc khon n

qu hn phi tr.

11.2. Cc ch tiu ti chnh ch yu

Bng 12: Cc ch tiu ti chnh ch yu ca GIC

Cc ch tiu n v Nm

2010

Nm

2011

Nm

2012

1. Ch tiu v kh nng thanh ton

+ H s thanh ton ngn hn Ln 3,50 4,67 7,04

+ H s thanh ton nhanh Ln 3,50 4,67 7,03

2. Ch tiu v c cu vn

+ H s N/Tng ti sn Ln 0,47 0,55 0,50

+ H s N/Vn ch s hu Ln 0,89 1,21 1,01

3. Ch tiu v nng lc hot ng

+ Vng quay hng tn kho Ln 255,08 196,24 238,54

+ Doanh thu thun/Tng ti sn Ln 0,38 0,27 0,23

4. Ch tiu v kh nng sinh li

+ H s Li nhun sau thu/Doanh thu

thun % 11,06% 12,46% 10,05%

+ H s Li nhun sau thu/Vn ch s hu % 7,30% 7,02% 4,95%

+ H s Li nhun sau thu/Tng ti sn % 4,25% 3,34% 2,35%

+ H s Li nhun t hot ng kinh

doanh/Doanh thu thun % 13,89% 16,79% 13,49%



(Ngun: S liu c tnh t bo co ti chnh kim ton nm 2011 v 2012 ca GIC)

Cc h s kh nng thanh ton ca GIC u c trin vng kh tt, qua th hin Cng ty

hin khng gp kh khn trong vic thanh ton cc khon n ngn hn. Kh nng sinh li t

hot ng kinh doanh ca GIC cng c Cng ty duy tr trong thi gian va qua, vi mc

trung bnh trn 11%/nm, tuy nhin hiu sut s dng ti sn ca Cng ty c du hiu i

xung, th hin qua h s Li nhun sau thu/Tng ti sn ang c du hiu gim qua cc

nm. iu ny i hi GIC phi c gng v c phng n kinh doanh hiu qu hn na i

vi cc ngun lc ti sn ca mnh.

12. Hi ng qun tr, Ban gim c, Ban kim sot, Gim c Ban Ti chnh k ton

12.1. Danh sch Thnh vin Hi ng qun tr

H v tn Chc v

ng H Nam Thng Ch tch Hi ng qun tr

ng Trnh Quang Tuyn Ph Ch tch Hi ng qun tr

ng Phan Hong Chung Thy Thnh vin Hi ng qun tr

B Nguyn Th Kim Xuyn Thnh vin Hi ng qun tr

ng Andreas Matthias Kleiner Thnh vin Hi ng qun tr

ng Cheong Yue Loon Thnh vin Hi ng qun tr

ng Nguyn Xun Nam Thnh vin Hi ng qun tr

B Lu Th Vit Hoa Thnh vin Hi ng qun tr

12.2. Danh sch Thnh vin Ban Tng Gim c

H v tn Chc v

ng Phan Hong Chung Thy Tng Gim c

ng Dng Ngc Ln Ph Tng Gim c



ng Cung Trng Ton Ph Tng Gim c

ng Lee Seng Tong Gerard Ph Tng Gim c

12.3. Danh sch Thnh vin Ban kim sot

H v tn Chc v

ng Nguyn Nh Thu Trng Ban Kim sot

ng Arno Frank Fehler Thnh vin Ban Kim sot

ng Nguyn Quc Huy Thnh vin Ban Kim sot

B Nguyn Th D Lan Thnh vin Ban Kim sot

ng Trng Minh Hong Thnh vin Ban Kim sot

12.4. Gim c Ban Ti chnh K ton

H v tn Chc v

ng Trn Bng on Gim c Ban Ti chnh k ton

13. Ti sn

Bng 13: Gi tr cc ti sn c nh

n v tnh: triu ng

Danh mc Ti ngy

31/12/2010

Ti ngy

31/12/2011

Ti ngy

31/12/2012

Ti sn c nh hu hnh 9.395 8.231 13.844

Nguyn gi 15.563 17.092 25.323

Gi tr hao mn ly k (6.167) (8.861) (11.479)



Danh mc Ti ngy

31/12/2010

Ti ngy

31/12/2011

Ti ngy

31/12/2012

Ti sn c nh v hnh 57 39 152

Nguyn gi 109 109 251

Gi tr hao mn ly k (52) (71) (99)

Ti sn c nh 9.453 8.270 13.996


Bng 14: Ti sn l Gi tr quyn s dng t m GIC ang s dng

Stt V tr t Hnh thc Din tch

(m2)

Mc ch

s dng

1

S 50 L Vn Gi, t

3, phng Ching L,

TP. Sn La, tnh Sn

La

t thu 50 nm, tr tin

hng nm do UBND tnh

Sn la cp Giy chng

nhn quyn s dng t

759 m2

Vn phng chi

nhnh GIC

Ty Bc

2

Tng 16, ta nh

Nam , Cch Mng

Thng 8, P4, Q3, Tp.

HCM

Thu t tr tin hng

nm 655 m2

Vn phng tr

s chnh ca

GIC

(Ngun: Cng ty C phn Bo him Ton Cu)

i vi nhng a im khc lm vn phng v chi nhnh ca GIC, cc a im ny c

GIC thu v tr tin thu hng nm.

14. K hoch sn xut kinh doanh, li nhun v c tc trong nm tip theo

14.1 K hoch doanh thu v li nhun ca GIC giai on 2013 2016

n v tnh: T ng



(Ngun: K hoch kinh doanh ca GIC giai on 2012 2016)

14.2 Cn c t c k hoch doanh thu v li nhun

thc hin tt cc mc tiu chin lc ra, GIC xy dng k hoch kinh doanh di

hn cho nhng nm tip theo. Trong GIC xc nh cc nghip v c nh gi l

trng tm, u tin pht trin trong giai on 2012 2016, xp theo th t u tin l:

Bo him ti sn k thut, xy dng v lp t, bao gm nhng sn phm chnh nh:

bo him ti sn v thit hi, bo him chy n v mi ri ro ti sn.

Bo him xe c gii v con ngi, bao gm bo him xe c gii, bo him sc khe

v tai nn con ngi.

Bo him hng hi trong u tin c bit pht trin bo him hng ha

K hoch khai thc v pht trin cc knh phn phi



Trong nhng nm ti, xy dng v pht trin h thng phn phi l mt trong nhng mc

tiu quan trng m Cng ty t ra. Trong , Cng ty nh hng pht trin mnh cc

knh phn phi h tr bn l nh knh phn phi bancassurance, knh i l, c bit l h

thng i l ca EVN.

Knh khai thc trc tip: y vn l knh phn phi ch o v rt quan trng. Cng

ty s tip tc duy tr pht trin knh khai thc trc tip thng qua tip tc gi mi

quan h tt vi cc khch hng truyn thng ca Cng ty, ng thi nng cao nng

lc cc chuyn vin khai thc bn hng. Cc nghip v ln nh nghip v bo him

ti sn v thit hi, chy n v bo him thn tu, P&I s vn ch yu da vo knh

khai thc ny.

Knh i l: tp trung pht trin knh i l, c bit l mng li ca Evn v tim

nng ca knh ny l rt ln.

Knh mi gii: Cng ty s tip tc duy tr mi quan h tt vi cc cng ty mi gii

bo him, s dng th mnh ca cc cng ty mi gii bo him v d liu khch hng

bo him v cc d n bo him ln.

15. nh gi ca t chc t vn v k hoch li nhun v c tc

Di gc v vai tr ca n v t vn, Cng ty C phn Chng khon An Bnh (ABS)

tin hnh thu thp v phn tch cc thng tin v hot ng kinh doanh ca Cng ty C phn

Bo him Ton Cu (GIC).

Mc d trong nm 2012, GIC c li nhun thun t kinh doanh bo him tuy nhin trong

thi gian va qua cng nh nhng nm tip theo, li nhun t hot ng ti chnh c th s

vn l ngun chnh trong tng li nhun ca Cng ty. Hot ng kinh doanh bo him l

hot ng kinh doanh ri ro da trn s ng b s t. Doanh nghip bo him ch kinh

doanh hiu qu khi t c mt s lng khch hng ln vi d liu v ri ro ca khch

hng lm c s cho vic xc nh ph bo him. V vy, GIC s phi cn trng trong vic

nh gi ri ro trc khi chp thun bo him gim thiu ri ro tn tht, nng cao hiu

qu kinh doanh.

Trn c s cc s liu hin ti cng nh k hoch kinh doanh ca GIC, ABS cho rng t

c k hoch doanh thu v li nhun nh ra i hi s n lc v quyt tm cao ca

ton th Ban Lnh o v cc cn b nhn vin ca GIC. K hoch ny l kh thi nu nhng

d bo v th trng ca Ban Lnh o Cng ty l chnh xc v khng c nhng bin ng

bt thng nh hng xu n hot ng ca GIC.



16. Thng tin v nhng cam kt nhng cha thc hin ca Cng ty

Khng c

VI. C PHN BN U GI

1. Loi chng khon

C phn ph thng ca Cng ty C phn Bo him Ton Cu (GIC)

2. Mnh gi

10.000 ng/c phn

3. Tng s c phn bn u gi

Thc hin bn u gi cng khai theo l ln (bn c l 1.000.000 c phn, khng bn l)

ti S GDCK H Ni vi s lng 1.000.000 c phn ca GIC theo Ngh quyt s

234/NQ-HTV ngy 10/04/2013 ca Hi ng Thnh vin Tp on in lc Vit Nam

v vic thng qua phng n bn u gi c phn ca EVN ti GIC. S lng 1.000.000

c phn bn u gi tng ng 2,5% vn iu l ca GIC.

4. Cc hn ch lin quan n chuyn nhng c phiu

S lng 1.000.000 c phiu bn u gi thuc s hu ca EVN c t do chuyn

nhng theo quy nh ca php lut v iu l ca GIC.

5. Gi khi im bn u gi

Gi khi im: 26.000 ng/c phn

6. Phng thc phn phi

Bn u gi cng khai theo l ln 1 triu c phn (bn ton b c l 1 triu c phn,

khng bn l) ti S GDCK H Ni.

7. i tng tham gia u gi

Cc nh u t tha mn iu kin tham d u gi theo nh Quy ch bn u gi do S

GDCK H Ni (HNX) ban hnh.

Cc nh u t lu gii hn s hu c phn ca GIC c quy nh ti iu 17 iu l

Cng ty C phn Bo him Ton Cu nh sau:

Mt c ng l c nhn c s hu ti a 10% vn iu l



Mt c ng l t chc c s hu ti a 20% vn iu l

C ng v nhng ngi c lin quan ca c ng c s hu ti a 20% vn

iu l

Vic s hu c phn vt t l nu trn phi c B trng B Ti chnh chp thun

trn c s li ch quc gia.

Ngoi ra, theo quy nh ti khon 2 iu 9 Thng t s 125/2012/TT-BTC ngy

30/07/2012 ca B Ti chnh hng dn ch ti chnh i vi doanh nghip bo

him, doanh nghip ti bo him, doanh nghip mi gii bo him v chi nhnh doanh

nghip bo him phi nhn th nc ngoi quy nh trc khi c ng chin lc thc

hin vic gp vn trn 20% vn iu l, doanh nghip bo him phi np B Ti chnh

01 b h s ngh v phi c s chp thun ca B Ti chnh.

8. Thi gian t chc u gi v cc quy nh lin quan

Theo nh Quy ch bn u gi do S GDCK H Ni (HNX) ban hnh.

9. Gii hn v t l nm gi i vi nh u t nc ngoi

Thc hin theo nh quy nh ca php lut v t l tham gia ca nh u t nc ngoi

trn th trng chng khon Vit Nam.

10. Cc loi thu c lin quan

Cng ty c ngha v ng thu thu nhp doanh nghip theo cc quy nh hin hnh vi

thu sut 25%. Cc loi thu khc c Cng ty thc hin nghim chnh theo cc quy

nh ca php lut.

11. Ngn hng phong ta nhn tin mua c phn

Theo nh Quy ch bn u gi do S GDCK H Ni (HNX) ban hnh.

VII. KHUYN CO CA N V T VN

Bn cng b thng tin c cung cp nhm mc ch gip nh u t c th nh gi chung

v tnh hnh hot ng v tnh hnh ti chnh ca Cng ty C phn Bo him Ton Cu (GIC)

trc khi ng k mua c phn. Bn cng b thng tin ny c chng ti xy dng vi s

liu do GIC v EVN cung cp v mong mun thng bo ti Nh u t v tnh hnh doanh

nghip v cc thng tin lin quan n doanh nghip.

Chng ti khuyn ngh nh u t trc khi tham gia u gi cn tm hiu thm thng tin v

doanh nghip, bao gm nhng khng gii hn nh iu l doanh nghip, cc Ngh quyt i



hi ng c ng, cc Ngh quyt Hi ng qun tr, cc Bo co ca Ban Kim sot, cc

Bo co ti chnh, Bo co kim ton, tnh hnh doanh nghip cng nh vic tham gia phi

bo m rng vic ng k mua hay thc hin giao dch c/s c thanh ton bng

ngun tin hp php, ng thm quyn, m bo cc quy nh v cng b thng tin, giao

dch ca c ng ln, c ng ni b, t l s hu, cho mua cng khai... ph hp vi quy

nh ca php lut hin hnh.

Chng ti khuyn co cc nh u t nn tham kho Bn cng b thng tin ny trc khi

tham d u gi mua c phn.

H Ni, ngy thng nm 2013

I DIN T CHC PHT HNH


I DIN T CHC CHO BN

TP ON IN LC VIT NAM



I DIN T CHC T VN

CNG TY C PHN CHNG KHON AN BNH

Documents

BẢN CÔNG BỐ THÔNG TIN - abs.vn of Ban cong bo thong tin.pdf · Rủi ro về luật ... CP ban hành Quy chế quản lý tài chính của Công ty ... hình thành từ sự