Upload
vuongdan
View
218
Download
5
Embed Size (px)
Citation preview
I\IOAl\l htAtvt AHoi sd2il1-fO3 Cdch M?:i9 Ttiihg T6n, Quin 3, TP.HC:lll[iJ o6. 3929 669e .. (F] Os. 3929 66aa - [HoHtns] 19OO 6679[W: r{wN..namabank.com.vi - [swift Cod€] NAMAVIiVX
ST'T
I.
Iil.
l.2.
3.
lv.l.2.
V.
VI.l.2.
vil.l.2.
Vlll. Chri'ng khoin dAu trl. Chung kho6n d6u tu sin sing dd b6n
2. Chrlrng kho6n dAu tu gi& rtiin ngiy d6o hqn
3. Du phong rui ro chr?ng kho6n diu tu
IX. G6p v6n, diu tu dii hqnl. DAu tu viro cdng ty con2. Vdn g6p li€n doanh3. Ddu tu vio c6ng ty li6n kt5t
4. Dau tu dii hpn kh6c5. Dy phong giim gi6 diu tu dii hsn
X. Tiri sin c6 ogntrl. Tdi sAn cd dinh hriu hinho. Ngrydn gid tdi san cij dinhb. Hoo udn tdi sdn cij dinh2. Tdi san c6 dinh thu6 tii chinha. Ngty€n gid tdi sdn cti dinhb. Hao ntdn tdi sdn c6 dinh
BANG cAN u6r xt roAN 1rlgp NHAr) GrIIA NrtNDqng.Iiy.lt
Th6ng 03 Nam 201 5
Tqi ngdy j I thdng 03 ndm 20 I 5
Thuy6tminh
Mdu s6: BL2a/TCTD/HNBan hdnh rlreoT-fsi 49/20t4n-f-NttNN ngiy Jt/12/20t1
DO
56 cu6i thins
Don vi tinh: TriQu d6ng VN
-r .l50 (lilu nilm
illt l(::-lpr.Aruo
ll.
TAI SAN
Tiin m{t, ving bac, di quf
Tidn gii'i tgi Ngin hing NhA nu0c
Titn, virng gri'i t3i c6c TCTD kh6c vir cho vay cdcTCTD khdcTion, vdng gti tai c6c TCTD kh6c
Cho vay cric td chric tin dpng kh6c
Dy phdng nli ro
Chri'ng khoin kinh doanhChrlrng kho6n kinh doanh
Dy phdng rii ro ch&ng kho6n kinh doanh
C6ng cU tii chinh ph6i sinh vA c6c tii s6n tii chinhkhdc
Cho vay khdch hingCho vay khrich hingDy phdng rui ro cho vay khrlch hdng
Hoirt dQng mua nqMua ng
Dg phdng rii ro ho4t dgng mua ng
231,672
520,717
10,209,807
6,5 r 8,807
3,691 ,000
146,610
t49,346(2,736)
16,386,092
16,537,743
(l5r,6sr)
50,000
50,000
3,241,7193,090,536
162,862
(r r,67e)
383,530
386,280
(2,7s0)
852,762446,12t6t4,457
( r 68,336)
20,308
22,689(2,38 I )
178,919
423,277
14,g61,62;
9,986,972
4,8'.74,649
146,538
t49,345(2,807)
HCAH Ui
t5, ilar cr5,86
( rs4 ${Affi
767,761 rq767,764
2,6ll,lg72,453,984
t57,213
3 83,530
386,280
(2,7s0)
926,547
453,750
609,863
(rs6,il3)t5,278
16,83 r
( r,5s3)
NA8-COK| HN I?i.2015
\ll,p
STT TAISAN3. Tdi sdn c6 dlnh v6 hinha. Nguy,ln gid tdi sdn
"ti dinh
b. Hao nin tdi sdn c6 dinh
XI. n6t aEng sin dAu tua. Nguy6n gid BDSDTb. Hao ndn BDSDT
56 cu6i thfns 56 tlAu nirm
xil.l.2.
J.
4.
5.
Til sin c6 khdcC6c khoan phdi thu
Cdc khoan lii, phi phdi thu
Tii sAn thu6 TNDN hoin lpi
Tii sdn c6 kh6c
- Trong d6 lqi th6 thuong m4i
C6c khoan dp phdng rui ro cho c5c tdi san c6 nQi bang kh6c
386,333
425,281
(38,e48)
1,560,461'139,861
539,597
281,003
33,583,430
457,5t9494,235
(36,716)
1,2E6,78257'7,t86488,766
220,830-
37,293,006TONG TAI SAN CO
I.
II.l.2.
Ilt.
tv.
Nq PrrAr rRA vA vON cHUso H0'u
C6c khoin nq Chinh phi vi Ngin hing Nhi nu0c
Titn gii'i vi vay cdc TCTD kh6cTidn giri ctja cdc TCTD khdc
Vay cdc TCTD khdc
Titn gii'i ciia khdch hing
C6ng cg tii chinh phdi sinh vi c5c khoin nq tii chinhkh{c
V. V6n tii trg, iy thdc ttAu ttr, cho vay TCTD chiu r0i ro
VI. Phit hinh gi6y td c6 gi6
VII. Cic khoin nq kh6cL Cdc khodn ldi, phi phdi trd
2. Thuii TNDN hoin lai ph6i trd
3. Ciic khodn phdi tri vd c6ng nq kh6c
4. Dg phdng riri ro khdc (dg phdng cho c6ng nq ti6m an)
TONG NO PHAI TRA
UII. V6n chrl s0 hii'u1. V6n crla t6 chric tin dpng,,: ,.: ,^a. yon dteu le
b. V6n diu tu XDCB, mtn sdm TSCD':c. Thdngdrvdn cd phdn
d. C6 phidu qu!^: ,.:e. co phteu tu dat
f Vtin khdc
2. Qu! cita TCTD
3. Ch€nh lQch ti sie h6i do6i
56 cu6i ttr6ne 56 diu nrm
7,912,5036,061,606
I,850,897
21,777,194
500,421376,588
123,833
30,190,13;
3393,2933,002,s823,000,000
l02,547
2;169,553
(1 66)
13,161,827
9,765,927
3.39s,900
20,3r9,179
480,774
373,347
10'7,42'7
33,961,780
3,331,2263,002,582
3,000,000
t02,54'1
2;r69,553
l9
NAB.COKT HN T03.2015
rQ
s]"t.+.
5.
0.
b.
Nq PrrAr rRA vA vON cH0sO HU'UCh€nh lQch ddnh gi6 lai tdi sdn
Lsi nhudn chua phAn ptrOin-6 tly t6Lqi nhudn/ Ld ndm nayL(ri nhudn/ Ld lfry ki! ndm trudc
rONc Nq PrrAr rRA vA vON cHO sd Hrru
56 cu6i th6ng 56 diu nirnr
STI'
22132;62,233
159,09 t
33,583,430
56 cu6i ttrdng
159,09;159,09 r
37,293,00;
56 diu nrnr
l.
2.
{1.
b.
c.
d.
3.
1.
6.
cAc crri Trau NGoAr BANG cAN Dor KE ToAN
Thuy6tminhCHi TIEU
B:io linh vay v6n
Cam k6t giao dlch h6i do6iCom kdt mua ngoqi tQ
Conr kiit bdn ban ngogi tQ
Can kit giao dich hodn d6iCan kdt giao dich trong trong lai
Canr k6t cho vay kh6ng h0y ngang
Canr k6t trong nghiQp vp L/C
B:io linh khic
Cric cam k6t khdc
L{p bnngKj,, hp tdn)
Nguy'6n 'thi NlQng IIoii
r os,i: r
84,702
84,8-29
I 10,535
163,127
t75,02,1
263,532
${/Sitoan truong
TP. H6 Chi lr{inh, ngAy 06 th6ng 04 rrirrrr 201 !/I rii"gGifm d6c ,r.'
15q''d,ngdiiu) ,,
f/rucArunnnq\\^ tt A
Trin Thi Bio TrAm
NA'-CDKI HN T03.2015
0.\\9,\t'ot
--.-]r//U=--
i-ltUf\li:t:l
NoAN xiNe NAM AH6i sd20:-203 Cacn i{aoc Thir.J Tiirr, C!;n f, TPtlcl![T] 06. 39:9 669t - [i1 0e.39]9 66aa - lHoilinel i9CO 6673I i^,' ] vJlavj. ia ma bair ;{. co n:. vn - [ Srvift C.c e ] l.lAMA\r'tiVX
Mdu s6':B|3afiCTD-HN(Ban hdnh theo 7-f si 49/2014/ff-NHNN ngd.v 3t/t2/2014 )
BAo cAo xf,r euA HoAr oOxc KrNH DoANH (HOp NHAr) GrUA NIBN oOeuf r NAM 2ors
Don vi tinh: VN
s't-1' CITI TIIiUTIIUYET
IVIINII
quf r NAvr zorsLDy xB rtDEN CUOI
oAu NAlreuf NAv
NAU Nnv NAU rnudc ttAtvI Nay NANT TRtJdC
I Thu nhdp lli ',i cric khorin thu nhap tddng tLr v1.24 596.950 562.766 596.950 562.766Chi phi lii v) ciic chi phi td(rng t( vt.25 399.014 443 145 399.014 443.t45Thu nh{p lIi thuCn 197.936 lt9.62l t97.936 lt9.62lThu nh{p tU ho4t dQng dlch vtl t5.t64 t4.283 l5 t64 t4.283Chi phi ho4t dQng dich vu 5.968 4.353 5.968 4.3 53
II t-6i [6 ttrudn trY hoat ttQng dich vrg Yt.26 9.t96 9.930 9.r96 9.930III Lei n6 thuCn ti/ ho4t tlQng kinh doanh ngo4i hdi vt.27 2.477 3.023 2.477 3.023IV L5i /16 thudn til mua brin chrlng khoin kinh doanh vr.28 (l r.470) 86 fl 1.470) 86v Lii 16 thuCn til mua bdn chr?ng kho6n tldu trf vt.29 8.819 258 8.819 2s8
Thu nh{p tU hoat dQng khric 74.560 8.406 74.560 8.406Chi phi ho4t dQng khdc 70.120 l1.5 l0 70.t20 I 1.5 I0
VI Ldi /15 thuCn til hoat tlQng khdc VI.3I 4.440 (3. r 04) 4.110 (3.r04)VII 'l'hu nh{p tr} g<ip vdn mua cii phCn vt.30 l6tt I (rtl
VIII Chi phf hoqt dQng vt.32 134.007 97.576 t3.1.007 97.576
IX
Lr/i nhu{n thudn trI hoqt alQng kinh doanh tnhlc chi phi
dr/ phdng rii ro tin dr.rng77.559 32.238 77.559 32.238
x Chi phf dqr phdng rrii ro tin dr,rng (2.e73) 8.895 (2.e73 8.89sXI Idng l{i nhu{n trr.fdc thud 80.532 23.343 80.532 23.343
chi phi rhudTNDN hiQn hinh 18.299 5.621 18.299 5.62tChi phi thudTNDN hoin l4i
XII chi phi rhui'I'NI)N vI.33 l 8.299 5.62 r l 8.299 5.621XIII I-r/i nhu:in sau thui 62.233 17.722 62.233 l7 111
xIv I-rJi fch cria cii dOng thidu sdxv I-5i cri bin tr0n c6 phidu
LQp bdng
ucAn ttAuo
THuo{c uucdPnfu
NAM A
ngity 03 thdng 04 ndm 201 5
V0 ThiTuyet Nga
L6 NguySn Hdng Thiy TrAn Thi Bdo Trdm
2
I
r..---)lh\i|:3NeAN HiNs nrAru A
NI6u s6: B04a/TCTD-HN
(Ban hdnh rheo TT sd 49/201 4/fT-NHNNngdy 3t/12/2011 ea Thing dic NHNN)
HQi 56201-2O3 CSch Mang Thing Tim. Quan 3. TP.HCMlTl 08. 3929 6699 - [F.l 08. 3929 6688 - lHotlin€] 1900 6679[Wl vJww.,ramabank.conl.vn - lswift Cod€j NAMAVNVX
BAo cAo LtIu CHUYTN TITN TE HoP NHAT(fheo phu<rng ph6p rgc ti6p)
euV I NAM 2ots
Don vi tinh: Tr VN
,2
3'f HoAH ttA
TilUoNG ilAlC
\ NAM
e>o6
MAI
socui rrEu Thuy6t
minh
Lfiy k6 tir ttAu ntrm d6n cu6i quf niy
Ntrm nay NIm tru'fcLT]'U lUUyrxrtEnriruo+rM
0rThu nhflp ldi vi c6c khoan thu nhfptuons tu nhdn dusc 546.588 369.079
02 Chi phi l6i vi c6c chi phi tuong tU da tre (395.008 (366.507)03 Thu nhflp tir hgat dQng dich vu nh{n dugc 7.843 10.625
04Chdnh lQch s6 ti6n thgc thu/thgc chi tt hgat dQng kinh doanh(ngqai tQ, vdng b4c, chtug kh6an)
(246 3.367
05 Thu nh6p kh6c (603) I 1.403
06Ti6n thu c6c khoan ng di dugc xri Ij,x6a,bt dap bane nsudn rui ro
4.877 r 0.520
07Ti0n chi tr6 cho nhin vi€n vihoat dOng quan I'i, c6ns vu
(294.',t80) (r59.1il)08 Ti€n thu6 thu nhdp thuc nOp trone ki ( r s.4981 (5.e28)
Luu chuydn ti6n thuAn tir hgat ilQng kinh doanh trufc nhiingthay d6i vd tii sin vA v5n luu tl0ne
(146.827) (149.3se)
Nhftng thay d6i vii tdi sdn hoqt d)ng
09 (TAng)/Gidm tidn vdng gti vA cho vay tAi c6c tO chtc tin dung kh6c 67l.ll9 (r 14.500
l0 (Tang)/Gidm c6c kho6n kinh doanh chtug kho6n (630.s23) 2os.syfr
1t(T[ng/Gidm c6c c6ng cg tAi chlnh ph6i sinh vi c6c tAi san tii chlnhkh6c
-*
t2 (Tang)/Gidm cho vay d6i voi khach hAns 4t.613 ( r.283.6{ur3 Gidm ngu6n dg phdng Oe Ur: Oap t6n th6t c6c khoan
-=--\t4 (Tlng)iciam khdc v€ tdi san hoqt dQng 79.81 I 135.408Nhirng thay d6i vi c6ns no hoqt dons
l5 TAng(Giam) c6c khoan ng chinh pht vA Ngin hdng NhA nudc
16 Tang(Cidm) tiln gui vi vay c6c t6 chr?c tin {ung (5.255.055 471 .s83
17TAng/(Giam) ti€n gui cria kh6ch hdng (bao g6m ci Kho bgc Nhinudc) 1.458.0r 5 575.302
r8Tane(Giam) ph6t hinh gi6y td c6 gi6(ngo4i tru GTCG duqc tinh vdo hoat dOns tai chinh)
(300.000)
l9 Tang(Ciam) c6c cdng cg tai chinh ph6i sinh vi c6c khoan ng tiichinh kh6c l9 475
20TAng(Giam) v6n tii trg ty th6c, ddu tu, vi cho vay mi TCTD chiurui ro
21 Tang(Giam) kh6c vd c6ng ng hoat dQng 7.542 (s9.488)22 Chi tir c6c OuV cria TCTD (4.364 l l5l
L Luu chuv6n tidn thuAn tir hoat ddne kinh doanh (3.778.650) (st4.7s2')Luu ch qrylfiq. tnr h"?t d0.s dA, t
I Mua sam tii sriur c6 dinh (5.6es) (36.771)
2 Ti6n thu tt thanh lf, nhuqng b6n tii san cO Ointr 68.997 7.659
J Ti€n chi tt thanh l{', nhusne b6n tdi san c6 <tinh
4 Mua s6m b6t dQng san dAu tu5 Ti6n thu tt b6n, thanh lr, b6t dOne san <lAu tu6 Ti6n chi tir b6n, thanh lf b6t dOne san dAu tu
7
Ti6n chi d6u tu, g6p v6n viro c6c tlon vi kh6c (chi clAu tu mua c6ngty con, g6p v6n li6n doanh, li6n ktlt ve c6c khoan dAu tu dai hAn
8
Ti6n thu ddu tu, g6p v6n viro c6c clon vi kh6c (thu br6n, thanh lfc6ng ty con, g6p v6n li6n doanh, li6n k6t vi c6c khoan dAu tu dAi
h4n kh6c
Page 1 v
MEso
CHi TITU Thuy6tminh
Liiy k6 tt dAu ntrm d6n cu6i quf niy
NIm nay Ntrm tru'6c
9Ti€n thu cd tric, lqi nhufn dugc ctria tU@ddi han t68
II. Luu chuy6n ti6n thuin tir hoat d6ns aau tu 63.47t (29.112\Luu chuyAn tidn tir hogt ttQns tAi chinh
ITAng (Gidm) v6n cd phdn tir hopt <lQng g6p v6n vdl ho{c ph6t hinhc6 phii5u
2TiAn thu tir ph6t hanh gi6y td dAi han dn tli6u kiQn tinh vdo v6n tyc6 vir c6c khoan vay dii han kh6c
3Ti6n chi thanh to6n gi6y td dni nan OU ai6u tiQn tintr vaoidn tu cO
vd c6c khoan vay dAi han kh6c4 q6 ttc tra cho c6 d6ng, lgi nhuan dd chia 115.264 (88_950'5 Ti6n chi ra mua c6 phi€u qu!6 Ti€n thu dugc do b6n c6 phi€u quV
III. Luu chuy6n tidn thuAn tt hoat d0ne tii chinh (l 1s.264) (88.9s0)
!Y.!ttu chuy6n tidn thuAn trong k! (3.830.443) (632.814v.'l iCn vd cAc khof n tuong duong ti0n al6u ki 11.471.792 6.043.217VI. Di6u chinh inh hu0ng cria thay d6i $ si6VII. Ti6n vir c6c kho6n tuone duon-iian cu6i ki 1.641.349 5.410.404
L{p bnng15 thdng 04 n[m 2015
Gi6m d6c
iTuy6t Nga
PZ-''Nguydn ThUy Hi Linh Trin Th! 86o Trim
THu0{Gililcd
IIAM A
Page 2
p
NGITN NAM AHoi sd2Ol.-?03 C;ich l'1ang Thiing 15m, QuEn 3, TP.HCM;Tl 08. 3929 6699 - [F] 08. 3929 6688 - [Horline] 19OC 6679l!V] www.narnabank.corn.vn - lswift Code] NAMAVNVX
mL_::J
xarvgM6u s6' : I!OSa/I'CTD-IIN
(ktn hdnh theoTT s6'49/20l4|TT-NIINN nxdy 3l/12/2014)
Chfc vg
Chri tich HDQTPh6 chti tich HDQTPh6 chri tich HDQTThinh vi6nThinh vi6nThinh vi6n dQc l{p
Ngny bd nhiQm/ mi6n nhiQmBd nhiQm vio ngiy 27 thd,ng 03 nam 2014Bd nhi6m vio ngdy 26thdng03 ndm 201 IBdnhiQm vio ngiy 27 thdng03 ndm 2014Bd nhiQm vio ngiy 27 thdngO3 ndm 2014BdnhiQm vio ngiy 26thdngO3 ndm 201 IBd nhiQm vio ngiy 3l thring 03 ndm 2012
Ngny bd nhiQnr
Bd nhi6m vio ngiy 0l thring 04 nam 2013
Bd nhiQm vio ngiy 0l thrlng 04 nim 2006
Mi6n nhi€m vdo ngiy 24 thdngO3 nam 2015
Bd nhiQm vio ngdy 28 th6ng 02 nam 2008
Bd nhi6m vio ngdy 15 th6ng l0 ndm 2009
Bd nhiQm vio ngiy 02 thring 02 ndm 2015
Bd nhiQm vio ngiy l0 thring 01 ndm 2011
Bd nhiQm vdo ngiy 27 th6,ng0l nam 2014
Chtfc vg^2I ong Ulam doc
Ph6 Tdng Gi6m cldc
Phd Tdng Gidm ddc
Ph6 Tdng Gir{m <l6c
Ph6 Tdng Gi6m cldc
Ph6 Tdng GiSm ddc
Phd Tdng GiSm ddc
rHuydr MrNH BAo cAo rAl cuiNH (HOp NHAr)Quj I ndm 2015
r - DAc DnrM HoAr DONG cOl cAc rd curlc rfN DUNG
t. Gi6'y phdn thinh lAp vi hoat dOns. thdi han cd eid triNgdn hing Nam A li Ngdn hdng thuong mai cd phdn cluoc thdnh l6p theo gi6'y ph6p hoat clQng sd 0026AIH-GP ngriy22 th6,ng 08 ndm 1992 do Ngdn hing Nhi nr/dc ViQt Nam cdp vi Gi6'y ph6p thinh lQp sd+OllCp-UB ngiy 0l thring 09nitm 1992 do Uj ban Nhdn ddn thdnh phdHd Chi Minh c6p.
- Thtli han hoat d6ng : 99 ndm
2. Thlnh phdn I.IOi tldng Ouin triI{o vti tOn
0ng Nguy6n Quoc ToinOng Nguy6n QuOc M!Ong Phan Dinh T6nOng Trdn Ng6 Ph[c Vfr
BnV6 Thi Tuy6t Nga
Ong L0'['hanh Dam
3.'l'lrirnh phin Ilan Tdns Gi6m dOt
lltl vir tGn
Ong Trdn Ngd Phric Vfr
Bi VO Thi Tuy0i Nga
Ong'frdn Ngoc Tdm
Ong Nguy6n Danh Thidt
Ong Nguydn Binh Phrlong
Ong Nguy6n Vinh LoiBA L),'rhi HiinBi NgLryCn Thi Xudn Thriy Ph5 Tdng Gi6m d6c
Bi Lrrcrng Thi Cdm Tri Ph6 Tdng GiSm d6'c Bd nhiQm vho ngiy 23 thitng0T ndm 20144. Tru sd chfnh: Ddt tai sd ZOt-zOl CMT8, P.4, Q.3, TPHCM, gdm: 0l Trung rdm kinh doanh, 18 chi nhrinh vir 40phdng giao dich.
5. COng ty con: C6ng ty TNHH MTV Quin Ly Ng vi Khai th6c Tii sdn Ngdn Hing Nam A arrgc thdnh l0p rheoquy6i dinh so'ZAS/qo-NHNN cria NHNN vi Gi6'y chring nh{n dlng kf kinh doanh sdO:O+O9tg51 do Sd K6'hoach virEiiu ttr'Ihinh phci Hd Chi Minh cdp ldn cldu vio ngiy 0l th6ng 11 ndm 2006 vdi v6n di6u le le 300 t! d6ng vi c6 rhdigian hoat dOng li thdi gian ho4t dQng cdn lai cria Ngdn hing tr€n pham vi lSnh thd Vi6t Nam. Ngdn hing sd hfru100% v6n cta c6ng ty con.
6.I'dnq sd crin b0. cOng nh6n vi6n 1226 ngvdi
rr- KV xd roAN, DoN vI rr0N rD sit DUNG rRoNG xff r'oANl. Ki kdto6n bdt ddu rirngiy 0l/01 k€i thric vio ngiy 3ll122. Don vi ddn t0 sir dgng trong kd to6n: Ddng ViQt Nam (VND)
1'r\{r}(;TC-HN Q1.20 15 Page I
rrr - cHUdN MVc vA cuf, o0 rf roAN Ap oUNcl- Ii6o cdo vd viOc tu6n thri c6c chudn mrrc kd to6n vi chd tIO k0'to6nBan Tdng Gi6m rldc df; tuAn thri ddy chi cdc y6u cdu ctta cdc Chudn muc kd toiin va Chd dO theo quy <linh trong vi6c l{pBiio caio tz\i chinh.
2- Chi.l0 vDr hinh thtic kdto6n 5p duns- ChA'di kA'toein tip dqng,.
Ng1/in hi\ng dp dung Chd dO kd toi{n thting nhf,l ban hinh theo Quydt dinh sd 4971}O}4/QD-NHNN ngiy 291412004, Quydidinh sd 807/2005/eD-NHNN ngiy 0l/06/2005, Quydt clinh sd 29120061QD-NHNN ngiry 101712006 vi chd 06 biro cdo tiichinh <ldi vdi c6c Td chr?c rin dgng ban hinh theo Quydt dfnh ban hdnh theo Th6ng N s6 47|AOI4|TT-NHNN ngiy2Lll2l2}14 vi cdc chuifn mgc kd to6n c6 1i6n quan.
- Hinh ililc kA'nrin rip dyng.
+ Ifinh th['c sd srich kd to6n 6p dqng li Nhat ky chung.
+ Ngf,n hing td chri'c bd mdy kdtodn theo hinh thrl'c via tflp trung, vila phdn tdn. Cdng tdc kdtodn thUrc hiQn ri6ng biQt
cho I{Qi s6, ciic chi nh6nh vd phdng giao dich, sau d6 tdng hgp l4i toin ng6n hing.
3-Crl sii tlirnh gi6 6p dung trong viOc l6p 86o c6o tii chinhCtic chi ti6u cfia Biio ciio tii chinh duqc lap tr€n giri gdc.
rv- cHiNH sAcu xf roAN Ar oUNc rAI rd cHUc riN DUNGl.Chuydn tldi ti6n tO
- NghiQp vu kinh td ph6t sinh trong k! bXng ngo4i tQ, chri ydu li Dollar My (USD) itdQc qui ddi sang Edng ViQt Nam(VND) theo tf gi6 li€n ngdn hing vio thdi didm cuO'i k).
- Ciic loai ngoai t6, ving tlrrgc quy <ldi sang VND theo tf giri quy tlinh vio thdi clidm cudi k9', cU thd:
I USD = 21.458 VND ICAD = 16.877 VND ICHF = 22.073 VND
IGBI) = 31.722 VND IEUR =23.075 VND ISGD = 15.597 VND
IJPY = 178,87 VND 1CHI = 3.511.000 VND IHKD =2.756 VND
IAUD = 16.343 VND 1NOK =2.644 VND
2. K6'to6n thu nhAn chi phf vh nsilne drl thu l5iDoanh thu duoc ghi nh{n khi ngdn hing c6 khd nlng thu <ltIgc loi ich kinh td til giao dich vi doanh thu duoc xiic dinh
tUcrng cloi chdc chin. Trong d6 cdc khoin l6i cluqc ghi nhdn vio thu nh6p d6'i vdi cdc khoin nd xiic dinh li cd khd ning thu
hdi ci gdc l5i tlilng thdi hqn vi kh6ng ph6i trich dg phdng rii ro cq thd theo qui dinh.
Ddi v(,i sd tai pnii thu di h4ch to6n thu nh{p nhung ttdn k} h4n trii ng (g6'c, lfri) khr{ch hing kh6ng trd dtrgc dring han td
cht?c tin dung di6u chinh khodn lii <li hach todn vd theo ddi ngo4i bdng ad OOn ddc thu. Khi thu <ltrqc thi h4ch toiin vi\o thu
ho4t dQng kinh doanh.
Cdc khodn chi phi lfri vay, ti6n gr?i cluoc hach todn tr6n co sd dg thu.
3.Kd totin c6c khorin thu phi vh hoa hdnePhi vi hoa hdng bao gdm phi nh{n til dich vu thanh todn, dich vu ng6n qu}, phi til c6c khoin bio lfrnh vi ci{c khodn phikhiic droc ghi nhfln khi phdt sinh.
4. Ki torin ddi vrli cho vay kh6ch hhng- Ngut,An uic ghi nhAn khotin vay
PhrttJng thfrc cho vay ddi vdi ddn vi vd cii nhdn drrdi cdc hinh thr?c: cho vay tilng ldn, theo han mtlc, thco chl dn ddu trt, vay
hctp von, vay trd g6p, cdm cdsd tidt ki6m, chrl'ng tUc6 giri ... Flinh thrlc dim b6o ti6n vay li blng thdchdp, cdm co ti\i siin,
bdro lanh hoac dudi hinh thrlc tin chip.- Nguy6n tiic phin lo4i nQ vi cliinh gid rti ro tin dgng vi cd sd trich l6p dg phdng rrii ro tin dung: dp dgng theo Quyei dinhsd+9:/ZI.)OS/QD-NHNN ngdy22thdng4n5m2005viQuy€idinhsdIS/2007/QD-NHNN ngdy25 rhdng04nim2007.Tirngr\y 0l/06/2014 6p dsng theo Th6ng tusdozlzot3/TT-NHNN ngdy 2ll0l20l3 vd Th6ng ttrsdoglzoI4/TT-NHNN ngr\y
18t03t2014.
5. Kd to6n nghiOp vu kinh doanh vh ildu trl chrlng khodnCric kho;in kinh cloanh chfng khodn, ddu nr vio chrlng kho6n, cdng ty con, c6ng ty li6n kdt vi cd sd kinh doanh ddng kidmsoirt drlQc ghi nhlin thco gii{ gdc.
4Iilci
,l$\l
!,.\tll, )N
TMBCTC-HN Q1.2015 Pagc 2
Du phdng girim gi6 chrlng khoiin drrgc lip cho tUng lo4i chrlng khodn duqc tU do mua, biin rrdn thi trudng mi r4i thdi didmkiim k0, lAp biio c6o tii chinh c6 giri thi trtfdng gi6m xudng so vdi gid g6'c ghi tr6n sdkdtorin. Chrlng khorin kh6ng rlfcrcnrua brin trJ do trdn thi rudng thi kh6ng drrgc l6p dy phdng.
6. 'I'idn vd cric khodn tddng cltfcfnq tidn'fiin vi ci{c khoin tUdng drldng tidn bao g6m ti6n mdt, ti6n gfii ng6n hing, ti6n dang chuydn vir ciic khoiin ddu tu nglinhan thu tr6i hoac diio han kh6ng qu6 3 thdng kd tingiy mua, d6 ding chuydn ddi tnAnh mQt ltrong tidn xiic <1inh cting nhukh6ng c6 nhi6u rti ro trong vi6c chuydn ddi.
7. Nguy6n t6c vi phddns ph6p shi nhAn thudthu nh6p doanh nehi0nThud thu nh0p doanh nghiQp hi6n hinh trich nQp hing quy 227o lai nhu6n thuc td phrit sinh trong k!, rheo quy itinh.'fhuc thu nhdp hien hinh li khoiin thud<lrrgc tinh dr/a tr6n thu nh6p chiu thu6'trong k! vdi thudsu0i iip <lgng rai ngiy cudik!'. Thu nhip chiu thu6'chdnh lQch so vdi loi nhu{n kdtoiin li do didu chinh cdc khodn ch6nh l6ch tam rhdi giira thuf'viki trxirr cirng nht/ clidu chinh cric khodn thu nh{p vi chi phi khdng phii chiu thu6'hay kh6ng cluoc kht'u trir.tl. Kd todn c6c kho6n vdh vay. phr{t hinh chrlns kho6n nd. c0ng cu vdnChi phi di vay drrgc ghi nh6n theo th{c tdph6t sinh.
9. Vdn chi sd hituNgu6n von kinh cloanh cfia Ngdn hing bao g6m:- Von ddu tu cfia chri s6 hfru: dtrgc ghi nhdn theo sd thgc td Aa adu tt/ cria cric cd cl6ng.- 'fhang tltr vdn cd phdn: ch6nh l6ch do phdt hinh cd phidu cao hdn mdnh gi6.- Von khiic: hinh thinh do bd sung tU kdt qui hoat ddng kinh doanh, gi6 tri c{c tii sin ddQc tring, bir3u, tii rrd vi cldnh
giri lai tt\i sdn.
Vie c trich lip cdc qu! cin cfi vio Nghi dinh sd SZlZOtZfXrp-CP ngiy 20 thdng 07 ndm 2012 cfia Chinh phi vd Didu 16 ciiaNgiin hi\ng. ..:v- THONG TIN Rd suNG cHo cAc KHoAN MUC TRiNH rlAy rRoNG ri,Nc cAN prir xd'r'oAx U
riH
-=-c,i+ Diuki 'ilfil
,ftl
l.Chri'ng kho6n kinh doanh
l.l. Clrti'ng khoin n1r
- Chung kho6n chinh phu
- Ch(nrg kho6n do c6c TCTD kh6c trong nudc ph6t hinh- Chilng kho6n do c6c TCKT trong nudc phat hanh- Chfng kho6n Ng nuoc ngoii1.2. Cttri'ng kltodn v6n- Chirng kho6n V6n do cric t6 chric tfn dgng kh6c phAt henh- Chirng kho6n V6n do c6c t5 chfrc kinh t6 trong nudc ph6t hirnh- Chung kho6n Vdn nudc ngoiril.-1, Chtlcng khodn kinh doanh klttic1.4. Dr phbng girim gid chi'ng khodn kinh doonlt
-iI ong
2. Cric c6ng cg tii chinh phii sinh vi cdc tii sin tii chinh khdc (kh6ng ph6t sinh)
Tiri sirn
C6ng no
3. Cho vay khich hing
-1.1. Cho vay khich hhngCho vav c6c td ch&c kinh t6, c6 nhin trong nu6cCho vay chi6t kh6u thuong phi6u vd cAc gily td c6 gi6Cho v'ay bing v5n tii trg, iry th6c dAu tuNt2 cho vay dugc khoanh vi c6c khoin ng cho xi.r lf
T6ng
Q.736\ rZ.SOir
146.61 0 146.538
-----cur+ Diu ki
l9
cu5i t<V Diu ki
rP.
vg.tia105.13044.2t6
16.355.0304.399
178.314t653?J4J
ue.tis105.12944.2t 6
15,621.016
12.508
228.068
15.861.592
'llvlllC'lC-llN Q1.2015 Page 3
PhAn tfclt chilt tu.gng n( vayNh6rn ng'Nh6m l - Nq dU ti€u chu6nNh6m 2 - No cAn ch0 fNh6m 3 - Ng duditi€u chuAnNh6m4 - Ng nghingdNh6m 5 - Ng c6 kh6 ndng mit v5n_;
I ong
Phdn t[ch du.nq tlrco thdi gion
Ng rrgin h4n
Ncr- trung han
Ng ddi han^aI ong
3.2. Hqt tlQng mua ngM ua ns bdng \ZIrlD
Mua nq bdng ngoqitQ^ZI ong
.{. D5i \6'i s 9. thay d6i lteng/ gi6m) criaKi nrlry
s6 ou'oiu ti,Sti trictr lip trong kj,Xu lj ruiro trong kj,Di6u chinh kh6c
T6ng
Ki,tru'6'cS6 Ou'O6u k!Sd trich l6p trorrg ky
Xf lj rui ro trong h.i
Di€u chinh kh6c^ZI ong
Dg phdng rrii ro tfn dgng:Dy phdng chung
l2l.8l5(7.430)
DU'phdng cU thd
32.9464.320
Cuiii fy16.022.956
280.020
27.039r5.639
192.089
16.537 .7 43
Diiu kVt5.317.713
3l 1.078
19.568
2t.60719t.626
15.86 I .592
cu6i r<y
7.903.668
6. 1 98.1 82
2.435.893
16.537 .7 43
piu ki7.903.3466.076.808
1.881.438
t 5.86 t.592
50.000 767.7(A
50.000 761.764
T6ng c6n,r
154.7 6t(.1.1 l0)
I 14.385 37.266 l5t.65I='Jl
t
'N\l
\gt
'rtft
-P. k4
DrI phdng chung81.94639.870
Dq'phdne cU th664.09437.762
(68.91 r)
T6ng cOng
146.04077.632
(68.e 1 l)
l2 r.8l6 32.945 154.7 6t
5. Chring khoin du tu
5.1 Chi'ng kttdon tliiu tr sdn sdng ctd bdnu. Cltri'ttg kltoan ngCh[rng khoiin chinh phtCh[r'rrg khoiin Nqr do cdc TCTD kh6c ph6t hdnhChrlrng khoiin Ng do c6c TCKT khric phrit hdnhChi'ng kh6an Ng nudc ngodib. Ch{mg khodn Y6nChung khodn V6n do c6c TCTD khric ph6t hdnhChring kho6n V5n do c6c TCKT kh6c phdt hdnhClrring kh6an V5n nu6c ngodic. [)rr phong ruiro ch[r.ng kho6n sin sdng di! b6n5.2 Clti'ttg klt6otr ddu tu.gifi.etdn ngdy ittio hgnCh[nrg kJrodn chinh phti('hirng khoiirr No do c6c TCTD khdc rrong nudc ph6t hdnhCh[r'ng khoan No do c6c TCKT kh6c trong nudc phrit hdnhCht'ng kho6n Ng nudc ngodiDr,rphong ruiro ch(mg kho6n d6u tugi&cliin ngdy cl6o hgn
T6ng
cuiii t<i,
3.090.5363.090.5 3 6
1.42(t.747
t.663.789
Diu tri2.453.9842.4 5 3 .984
t.527.(A8
926.33(t
r5l.I83t.5005.U9
I 55.71 3
( I1.679r
157.2t31.500
155.713
2.61l.t1)7
TMBCTC-HN Q1.2015
3.24t.719
Pagc 4
6. G6p v6n, tliu tu dAi hirn:
l)riu trr'vao c6r-rg ty conCac khoan ddu tu viro c6ng ty li6n doanhCiic khoirn diu tu vdo c6ng ty li€n ktltGic khodn dAu tu ddi han kh6cDg ptrong gidrn gi6 dAu tu ddi han
^aI ong
- Danh s6ch c6c c6ng ty li€n k6t, li0n doanh:
cu5i t<v Diu ki
386.28;(2.7sO)
386.28;(2.7s0)
383.530 383.530
'l'0n
3r/03/20rs 3Ut2t20t4
(Jra goc Gi6 tr! hiQn taiTf phnn
.a .-nam gru
(o/" )
Giri giicCi6 trl hiQn
tit i
Tf phin.t ,-naln gru'("1' )
Diu tu'ddi hgn viro c6c t6 chri'c kinh t6 350.200 386.280 350.200 J86.280
C6ng ty C0 phdn chung kho6n Beta 44.000 74.800 11,00 ,14.000 74.800 I t,00
C6ng ty C6 phdn Dia 5c Hda Binh 35.200 40.480 11,00 35.200 40.480 I 1,00
C6ng ty CO phdn Thuong nrai du lichIIda Ciang
r 5.000 15.000 r0,00 t 5.000 r5.000 10,00
C6ng ty C6 phAn Ddu tu vd kinh doanhvdng VQt Nam
2.000 2.000 r0,00 2.000 2.000 10,00
C6ng ty TNHH Hodn Cdu Nha Trang 242.OOO 242.OOO 242.OOA 242.004
C6ng ty TNHH Y6n Nggc r2.000 12.000 t2.000 12.000
\)..1
rPt
h1,o,47. Cic khoin nq Chinh phn rA NHNN
Vay NHNNVay BQ Tiii chinhCdc khodn ng khiic
-lI ong
8. Ti6n, vlrng gii'i r.t)r ray cria tii chri'c tin dgng kh6c
8.t Ti6n, rang giii ciia cic TCTD kh6c.-. )o.'fidtr, vdttg gtri khdng ki hqn
- Iling VND- Bing vzing vd ngo.3i tQ. _.:b.Tiitt. t'ottg gtii co kjt hqtt- lling \ND- I-]iing vdng vd ngo4i tQ
_:! ong
8.2 Vay cr{c TCTD kh6c- Bdng VNDTrong <16: Vay chi6t ka6u, t6i chi6t kh6u
Vay cdm c6, thi5 ch5Lp
- lldng ngoSi h6i'l'rong d6: Vay chi6t kh6u, tdi chi6t kh6u
Vay cAm c6, thti ch6p_:I ong
T6ng ti6n, vAng giri vir vay c6c TCTD khSc
cutii ry Enu kI-
cuiii t<Y Diu ki'
1.754.830
r .754.8 r 0
204.306.776
3.877.616429.t60
6.06 t.606
r.850.7 r3
t84
t.850.89;
1.777.(A3
1.777.62t22
7.988.284
7.138.444849.840
9.765.927
3.395.718
182
3.39s.900t3.t6t.827
'rrvBCTC-HN Q1.2015
7.9 r 2.503
Page 5
9. Ti6n gii'i ciia kh6ch hing
' . .;I treo lo(u ltet, gttt
'f i6n, vdng gu'i khdng lcj, h4n- Ti6n gn'i kh6ng k! hsn bang VNE- Ti€n gui kh6ng lcj, h4nbing vdng, ngoqi tQ
Ti€n, vdng grii c6 hj, h4n- Ti6n gt'ic6 lcj h4n bing VND- Tidn grJri c6 lcj, h4n blng vdng vd ngo4i tQ
Ti6n giri v6n chuy6n dirngfi€n giri ky qu!
-3I ong
10. Ph6t hnnh gi6y td'c6 gi6
Phdt hdnh gi6y to c6 gi6 bang \AIDPh6t hdnh gi6y to c6 gi6 bdng vdng
^3,I ong
I l. C6c khoin nq kh6c
Cic kho:in Lli, phi ph:ii trdC:ic klro:in ph:ii tr:i vir c6ng ng kh6cCric khoin phdi tra nQib0Cdc khodn phdi tra b€n ngodiQu! drr phorrg trq c6p ndt vigc lamDoanh thu chd ph6n b6Dy phdng rfii ro kh6cDr,r phdng c6c cam k6t dua raDp phong cho ciic dlch vu thanh to6nDg phong nli ro khdc
^.;I ong
12. Tinh hinh thp'c hign nghia vg v6'i ngin s:ich nhi nurfc
t2.l Tinh hinh thq'c hign nghia vy v6'i NSNN
S5 cdn l3i phii nQp tliunim
Cu6i kV Diu kv777.187
763.47513.712
20.822.452
t9.968.639853.8 r 3
r.298176.257
1.518.43 r
t.509.(428.789
I 8.61 5. I 14
17.786.U8829.066
71818r'..916
2t.777.194 20.319.t7 9
cu6l t<l Diu t<i,
-
cuiii t<v Eiu ki,376.s88123.833
3.434n7.&3
2.756
373.347t07.427
5.02599.t54
3.248
500.42 t 480.771
,.[\
I;.*
56 phni nQp trongnim
Sii Oa ngp trong nlnr S5 cdn phii nQp cu6i
nEmThui5 giri tri gia tdng
Thutl thu nh6p doanh nghiQp
Thu6 thu nhip c6 nhAn
tnut5 kh6c
-,4I ong
t.075
1s.48 8
2.259
I
l.033
18.298
6.562
260
1.905
15.498
8. r56
260
203
I 8.28 8
665
I
18.823 26.t53 25.8 r 9 19.t57
l2.2.Thu6 thu nh{p hoSn l4i (kh6ng ph6t sinh)
'TMTJCTC-ilN Q1.2015 Page 6
13. Viin vh qui cria ngin hing
13.l B{o c{o tinh hinh thay O6i viin chri s6'hfi'u
Viin g6p/ V6n di6u
r9
'I-hIns du'v5n cO .. . t- Loi nhuAn sau thu6".'"o;- '.""'" ch6nh lQch tf gi6 h6i n.... -.?.- T^Th , -'""'-." ";'- -'.--
phin,V6n d6u tu' - - " -;^;," E------ Qu! cfia TCTD chua phin ph6i/ L6 lflyiocn vh v5n kh{c 'lodi k6
T6ng cQng
So du diu k!
TIng trong k!
Gidm trong k!
^1 . :...so clu cuol Kv
3.000.000 2.582
(r66)
169.553 r59.090
62.234
3.331.225
62.234
(r66)
3.000.000 2.582 (r66) r69.553 221.324 3.393.293
Bi6n dQng s6 du c6c quy dU trir trong quy nhu sau
SO au Aiu kj (Trinh bey lqi)
Tqm trich l{p c6c qu! dg tri}
Giim trong k!
SO au cuOi t<y
Qui dU'phdng tlichinh
Qui dV'trii'b6 sung
v6n tti6u lQQui iliu tu phit tri6n T6ng cQng
I I t.409 56.437 1.707 I 69.553
I I 1.409 56.437 1.707 r69.553
TMBCTC-HN Q1.2015 Page 7
133 C6 phi6u
56 lurrng cd phitiu dang hj ph6t hdnh56 lu'crng c6 phi6u dd b6n ra c6ng chring- Co phi6u ph6 th6ng- Cd phiilu u'u dai
56 luqng c6 phii5u dugc rnua l4i- Cd phiiSu phri th6ng
^: .,:- uo phrcu r.r'u oal
56 luqng c6 phi6u clang luu hdnh- C6 phi6u ph6 th6ng
^: ,.:- Lo pllleu uu oar
M0nh gi6 c6 phitiu cira TCTD: 10.000VND.
13.4 Cd tti'c (Ngdn hdng chi trinh bdy tr€n bdo cdo tdi chinh ndm hqp nhd\
l'lru nhiip lii tiCn gui'l lrrr nhrip lii cho vay't lru li'ri tri diiu tu chung kh6an'l-hu liri tu ho1t dQng tin dgngTlrLr lrli tu nglriQp \iu rnua l:6tt nglhu rir nilhiQp ru lruo llnh
T6ng
15. Chi phi liii vri c:ic khofrn chi phi tu'ong tU
, .^. .lLlil tfi.r lilr trcll gulChi tri lii ti6n vay
Tni lii phit hr\nh gi6y td c6 gi6Tra liri tiOn thuO tiri chinhChi phi khic
-xI ong
16. Lni/(16) thuin ti'hoirt itQng kinh doanh (mua b6n) chri"ng khoin kinh doanh:
'fhu nhirp tu nrua bdn chfng kho6n kinh doanh
CIri phi tir nrua brin clrtng khoin kinh doanhChi phi dy phdng giirm gi6 chfng khorin kinh doanhLiri thuin til hoflt tlQng mua bin chri'ng khodn kinh doanh
17. L:ii(16) thuin tr'r' ho4t tlQng kinh doanh (mua b6n) chring kho:ln tliu tu':
1'hu nh{p tir chfrng kho6n diu tuClri vd chrJrng khodn diu trr
Chi phi dp phdng gidm gi6 chring kho6n diu tul,iii thrrin tt'ho4t tt$ng mua b6n chri'ng khodn ttiu tu
cu6i xV l)iiu I<i
300
300
300
300
100300
300300
30;300
38.174
428.3 l695.518
24t
5t7
VI. THONG TIN I]o SUNG CTIO CAC KI{OAN MUC TRiNH BAY TRONG BAO CAO KET QUA ItOAl'DQNG I(INIIDOANil I-ONG HqP
l-l.l'hu rrhip Lii vi c:ic khojin thu nhf p tu'ong tU'Ki nirv Ki tru'ti'c53.725
502.40434.262
4843.7532.322
596.950
Ki niry367.297
31.352
36.5
562.766
Ki tru'6c320.3 89
3 8.8 89
8i.7tti84
399.0 t 4 .14J. t15
#NG
ilJ0ll
ti\.1O.\86
Ki nr\v
( I I .470)
__________l1rJ29)
Ki niyr2.3tt6
(3.567)
Ki tru'ri'c
l(i tru 6'c
25 tt
86
ti.8 I 9 258
TMBCTC-rrN Ql.2015 Page B
Itl.l'hu nhip ti'96p viin, mua c6 phin:
Cii tri'c nh$n dugc trong kj tir 96p vdn'fir chimg kho6n V5n kinh doanh (HT tr6n TK l4)'fir chirng kho6n V6n ddu tu (HT tr6n TK l5)Gtip v6n, diu tu dai han (HT tr€n TK 34)CIc khoiin thu nhip khic
Tdng
19. Chi phi ho:rt ilQng
L Chi nQp thu6 vd kh6c khoin phi, lQ phi
2. Chi phi cho nhin vien'lrong d6:
- Chi ltrrrng t d phu cdp
- Cdc khoon chi d6ng g6p theo luong: , ^. -^- Llil lr0 caP thot vtgc
3. Chi v6 tdi srin
- T'ong dti. Khitu hao tdi sqn c6 dirh.1. Chi cho hoat dQng qudn lf c6ng vp
Trong d6:
- C6ng tac phi- Chi v€ cdc hoqr dQng dodn th€ ciq TCTD
-i. Chi nQp brio hi6m, bdo toirn ti6n gui crla khdch hdng6. Chi plri dp phong (kh6ng tinh DPRR TD vi CK)7. Chi phi hoat d6ng kh6c
T6ng
Quan hQ
lhdnh vi€n quin l;i ch0 ch6t cua Ngdn hing
Ki niy I(i tru'rl'c
t68
t6;
r68
Ki ntiy Ki trur'r'c
200
52.t97
47.050
4.206
38
35.429
I 5.413
42.266
r.899
, r,l
293
40.825
35.8 r9
3.666
65
23.541
t2.43029.597
622
3.3 l4
\/II.CiC TIIONG TIN KITAC
20. Cric hout tlQng ngo4i bing kh6c nri TCTD phii chiu rrii ro dfng k6 (trqng vi5u) (kh6ng ph6t sinh)
21. Giao dich vrii cdc bOn li0n quan
Clti tiit giuo tllctt vti'i ctic hAn fiAn quu trong qu! I ndm 2015 nhr sou:
134.007 97 .57 6
Si tiitr
,%
in ul
,i,t$l
frMGiao dlch
.: ..Nnan tren gul
Rtlt ti6n grii
Tra laitiAn gtiChi luong thuong vd thi lao
Chi c6 tfc
re kl*i:
396.40,1
39n.659
236
3.330
r 3.956
I'14l](.'tc- t{N Q1.2015 Page 9
Cric b0n c6 li6n quan vdi Thdnh vi6n
qudn l;i chi ch6t cua Ngdn hdng
Clti tiit pttiti tltu/pttii tri vtii ciic b\n fiAn quon tgi thdi diAm cuii quj, rthn sou:
Quan hQ
'lhanh vi0n quin lli chu ch6t crira Ngdn hAng
Cdc b0n c6 lien quan vdi Thdnh vi6n
quin lj chu chdt cua Ngdn hdng
(r 8.2e r )
\/J.l
I.079.549
( l r i.378)
40.800
40.480
C6rrg cr.r tii clrinh l(inh tlounh vir tliunhrii sinh tu'clrri'ng khorin
NhAn tiOn grii
Rtt ti6n grii
Tra laiti6n grii
Cho vay.:.
I nu tren vay
Thu l6i tiin vay
Thu tt cho thud tdi sin
Chi thu6 tdi sin
Chi dich vu khric
2.921.186
2.893.704
800
3 78.054
t7 t.637
23.t73
4ll25i
2,853
Pltii tlr,
Giao dlch
I len gut
Phdi trd thud nhd
I len vay
Ti€n gti
D{t cac thuO nhd
G6p vr5n, dAu tu ddi han
22. i\'lri'c dQ tr,1p trung theo khu vg'c dia lf cfra tiisfrn, cdng ngvi cdc khoin mgc ngo:libing
Tdng du ng cho vay T6ng tiiin gfri
Kj,niy'f
rong nuoc
Ngodi rruoc
Ki'trurlcTrong nutrc
Ngodi nudc
vrrr- eu;,N l,f Rirt no rAI cHiNH
16.587.743
t6.629.356
21.777.194
20.319.119
l9 3,3 88.329
- L157.735 \llG
:i ptri
A
d23. ltiii ro tin dung
Itrii ro tin dung li khd ning xdy ra tdn th6l trong ho4t dQng Ngin hing Nam A do khrich hing kh6ng th\rc hie n hoac kh6ngl
c(r khli niing thdc hi6n nghia vu cia minh theo cam kdt.
I)d quf,n l! riri ro tin dung, Ngf,n hing Nam A dang iip dqng mQt sdUien phiip nhtr sau:
- Tulin thi'r cdc quy dinh cta NHNN vd c6ng tdc tin drlng, tf 16 an toin vdn;
- Thlrc hi0n chd clQ clio t4o, b6i dtrdng nhim ndng cao trinh dQ nghiQp vu chuyOn m6n cho cric CBCNV thrtc hiOn c6ngtiic tin dgng;
- Tirng bUtlc xiiy dlrng vi hoin thiQn cdc chinh s6ch v6 quin tri rti ro, rldc bi6t li rii ro tin clung: quy tlinh vd phf,n
quvdn. hnn mflc phO duyQt...
- Xliy chlrrg chirrh siich tin dgng theo hrrdng da dang h6a sin phdm;
rMBC',rC-HN Q1.2015 Pa;1c 10
- ClruCn hria cpry trinh tin rlqng vdi cdc quy clinh chat ch6 vd kidm sodt, dp dung ciic bidu miu thdng nhii't. trong roirn h0ttrrfng;
- PIrin ltxri, quirn l! vr'r xfr ly cdc khodn nq xdu;- Trich llip drl phdng rfii ro theo quy dinh.
24. Iliii ro thi trtirlng
24.1 Iffii ro l5i su01
ILiii xr liii suii xf,y ra khi c6 sg bidn tl6ng vd l6i sudi th! tnrdng vi n6 tdc clQng cldn thu nh0p vir chi phi hoat cl6ng cria Ngf;nhi\ng.'f lrr\'i han didu chinh liii su6i thuc td li thdi han cdn lai tinh til thdi <lidm $p Biio cdo rdi chinh cho tdi k! cliiu chinh lii suf,'t
gdn nhiii cfra ciic khodn muc trdn B{ng cdn ddi kd to6n cria NgAn hing.Cric giri dlnh vir didu kiQn sau dugc rip dung cldphdn tich thdi han didu chinh lii su6't thuc t6'cria ciic khoin nruc riri stin virc6ng ntJ [rOn bing cdn ddi kd toiin cria NgAn hing
. 'l'idn mat, viing bac dr{ quy, g6p vdn ttdu tu dii h4n vi ci{c tii sdn c6 khiic (bao gdm tii srin co dinh, biii <1dng siin
diu trr vi cric tii sin khric) cltrQc xdp vdo nh6m c6c khoin mgc kh6ng chiu lfri.
o 'fhdi han didu chinh lfri su6't thgc t€'cfia chrl'ng khoi{n cldu trr phu thudc vio quy clinh vd lii sut't cira td chrirc phi{t
hr'rnh rl6-i vrli tirng loai chfng khodn.
'l'htli han didu chinh lfri su6l thgc t6'ctia c6c kho6n tidn gfii vi cho vay cdc td chrlc tin dung, cho vay khrich hirng, ciic
khoiin ntj Chinh phti vii Ngdn hing Nhi nUdc, cdc kho6n ti6n gfii vi vay cdc td chf'c tin clung khiic vir tiin gi'ri ciia
khrich h:\ng dUQc xdc dinh nhu sau:
- Cdc khoin muc c6 lii sudi cd ainn trong su6't thdi gian cta hgp ddng: thdi han didu chinh lii sulit thttc rd cllra
trOn thdi gian diio h4n thr.rc td tinh til thdi didm $p biio c6o tii chinh.
- Cric khoin muc c6 lfri su6't thd ndi: thdi h4n di6u chinh l5i suii thuc tddya tr6n k! di6u chinh lai suiii grin
nhli't tinh til thdi rlidm lflp biio crio t:ii chinh."l'lrt'li lran diiu chinh lii sudi thuc tdcia ciic gidy td c6 gi6 cli phr{t hiinh cluclc x6c clinh clrrr tr6n thili gian cliio han
thtrc ticfra tilng loai giiy td c6 gid; phlr thuQc vio quy <linh vd ldi suAi cfia Ngiin hing ildi vtli tilng tltt pluir hiinh
I)C c6 thi kidm soiit rrii ro vd lAi sudi, Ngin hdng il5 vi clang rip dung chinh si{ch quin lf rti ro lai su6i tr6n co sr} phantich cLlnh giii ch0nh l6ch vd k) han, lfri sudi cfia ciic khoin mgc ngudn v6n vi tii s6n, tU<16 dtra ra ciic biOn phdp xrl ly cu \tlrC: e\- lloi sri llruc hiCn quin If , kinh doanh vdn t{p trung; ,);)i
- 'fhuc hiQn cho vay vdi lii sui't thi ndi, didu niy c6 thd cho ph6p Ngin hing ctl thd linh hoat nrfic lii suiii clro vuy phir i-*lhttp vtlibien Cl6ng cria thi trudng; Y
- Duy tri chdnh lQch ldi sudi giira ddu vdo, ddu ra mQt cdch hqp ly, tudn thti quy dinh vd an toin vdn cfia NHNN.Bring phiin tich tii sdn, c6ng nd vi c6c khoin mgc ngo4i bdng theo k) <linh lai su6't thuc td tai thdi clidm l{p I31ie czio tiichinh drltJc trinh bi\y nhusau:
6i{= iit
\
'iMBCTC-HN Q1.2015 Page 1 1
Kh6ng chiu inhhudtrg do dinh lai liii
Qu:ih4n sudt D6nlth{ng Tirl-llhing Tir3-6rhdng Tir6-t2thing Tirt-5nlm
231.672
520 17'1
5. l5 t.4l I
149.346
4.72t.496
Tr6n 5 nlm c0re
23t 672
520.777
r0.209.807
149.346
50.000
200.0c0
16.587.743
3.253.398
386.280
330.862 2.527.914 l 1.635.383 t.869.227
50.349
159.800
414.8 t I
I 4.558
2.588.238
386.280
Tii sin
I. Tidn mat, Vdng bac, & quli
II. Tidr gui rai NHNN
III.Tirin, v:ing gui tai ciic TCTD khdc
vd cho vay ciic TCTD khric(r)
IV.Chung khorin kinh doanh(r)
V.Cric c6ng cq tai chinh phdi sinh vd
cac lai s.in tei chinh khric(r)
VI.Cho vay khdch hdng vri mua nq(r)
VII.Chrimg khori,n diu r(r)VIII.G6p viin, aiu tu da,i han(.)
lx.Tai san c6 dinh & Bdt dOng san
ttiu tu
X.Tdi san c6 kh6c(.)
-lI Ong Ul sen c0
Nq phii triI.Ti&r gui vd vay tri NHNN vi cic
TCTD khic
II.Ti6n gui cua khrich hdng
III.Cdc c6ng cu tdi chinh phdi sinh vd
cdc khoin nq tai chinh ph6i sinh
IV Vi5n tdi trq, u! thdc, dlu ru, chovayTCTD chju rii ro
V.Ph6t hdnh gi6y td c6 gi6
VLCiic khoin ng khdc
T6ng ng phii tri
llfth ch6nh nhly cim v6i lli sudtnfi bring
852.762
1.456.787
2.927.50 I
852.762
t.560.46r
2.259.742 J3.752.246
184
s39t8t
4.479.871
7.006.995
2.448. I 56
4.586.54 I
9 I 1.579
4.278.348
57.000
4.399.30 I
15.7 r3
1.505.290
7.912.503
2t.777 .194
t9
500.42;
t9
500.421
50().1{u I t.{E6.866 7.0J{.697 5. I S9.e2? {..r56.10t 1.52 r.00.) 723 J0.t90.r37
330.68t 2.{27.062 (J.128.229) 9.J24.8tt (2.930.tt6) (J.tt61.30t ) l. l,l t.597 J.562. r 09
Chi chti: (') - Cdc khoan mpc nay khdng rinh din dt1 phdng nii ro.
TMBCTC-HN Q1.2015
//Yrog'8\*o\\Page 12
24.2P.ii ro ti6n tQIttii ro vd tidn td phrit sinh khi c6 subidn clQng vd tf gid hdi tlorii lim cho gid tri cria ciic lo4i "tii sdn c6" vi "tii sdn nQ"bling ngoai tQ, vdng bi bidn clQng ddn cldn rfii ro tdn th6't cho Ngdn hing.Ed girim thidu rtii ro vd ti6n t6, Ngdn hing ild xiy drlng vi th{c hi6n chinh srich quin lf rfii ro vd ngoai hdi nhu sau:- Tudn thri cric quy <tinh cria NHNN;- Qufrn lf tr4ng thr{i ngo4i hdi m6;- Kidm sodt rfii ro th6ng qua cdc quy tlinh t6ch bach chrtr'c ndng crta cdc b6 phdn, quy ilinh vd phdn quydn, han mfc giao
dich, h4n mfc dUng 16;
- Ea dang h6a cilc sdn phdm phdi sinh.
Moi giao dich nQi, ngoai bdng ddu dtrgc finh ngay vio trang thdi ngoai tC ngay khi phr{t sinh.oti cLinh giri rfii ro niy, Ngdn hing phdn loai tii sdn vi cdng nd theo loai ti6n te duqc quy ddi sang VND rqi thdi didm l{pBIo cdo trii chinh nhu sau:T{i ne:'ry 3l thdnq 03 nrlm 2015
EURetrr.ecqrryer6i USpetu'q'cquyd6i "t""tJiJI,-"t#1,, .iil"".X;it;l,lo c0ng
Tr)i siin9.384 32.33s
Tiin rrgt, vAng bpc, d6 qufTiiiin gui tqi Ng6n hdng - S@Nhi nuocTi€n gui tqivA cho vay c6c 13.832 740.757TCTD kh6cChung kho6n kinh doanhCdc c6ng cp tii chinh ph6i - 9.078s inh va c6c TSTC khScCho vay kh6chhdngChtng kho6ndau tuCxip vt)n d6u tu ddi hanTdi sdn cO alnnClic tiri srin co kh:ic
- 429.364
67 4.883
7.119 2.298 51.136
- 2.807
564
757.396
9.O78
- 229.78t t5.928 _ 245.709
I t2.192
-w- l,tH,
r!- 42936/ a=
i
3.948 880.104 iI
II-I
4.950
4 12. I e7 i,!Al-I'rirrg riri srirr _________232!1_ _____!_n24J.gJ_ __________?2!lJ___ rJ 09 I J?6r,S0 ]':-: i, RillrtBrl
Ng'plrrii trri rA v6nchir sii'hilu
--. II ren gut cua va vay tuNgdn hdng NhA nudc va'li€n gui cua khSch hdng 22.717 853.439Cdc cdng cp tdi chinh ph6isinh vd cac khoan ng tdiV5n tiritrg, uy th6c dAu tu,cho vay nri'I'CTD chiu ruiPhrit hinh gi6y tcr c6 gi6Cdc kho:irr ngkh6cV5n vd ciic quiTOng n<2'phrii trri vi v6nchii s6'lr0'u 22.7 84 1.2a7 .6a6 - 3.94s I .3 I 4.4 I 8
T.irng rhrii ti6n tf nQi tring 433 (262.9791 _ 23.047 l.16l (238.JJti)
TMBCTC-rrN Q1.2015 Page 13
24.3 ltiii ro thanh khoin
Ilrn( tlOng trong lTrth vUc r'f,i nhay cdm tr$6c cdc bi6'n d6ng crja thi tnfdng, c:ic tin ddn thlii thi6t cr'r thd rinh Iirr(11g c10ir 5eatilQng kinh cloanh, Ngin hr\ng Nam A dang thuc hi6n ciic bi6n phr{p nh}m kidm soit rfri ro vd rhanh kholin nhrt sau:
- NgAn hing Nam A thtrc hi6n duy tri ciic tf lQ ddm b6o khd ning thanh khoin bio hiim tidn gr'ri rhco cltry clirrh eiilNI-INN
- HOi sd quin l! ngudn vdn t{p trung, cl6m b6o kh6 nang thanh khoiin cho toin hQ thdng thdng qua vi0c nghien crinr,
phiin tich d0 lOch k!' hEn; dg <lodn thdi h4n, tri gi6 cdc khodn chi chri ydu 6nh hudng cldn ludng ridn viru ra, rrY c16 chra
ra ciltc chi sd gidi han, cdc danh mgc d6'u trr hQp lf vh c6 tinh thanh khofrn cao c6 rhd chuydn rldi thinn tidl mirt 4i1pr'lng nhu cdu rrit tidn theo clinh k! holc ilQt xu6l ctia khiich hdng;
- NgAn hiing Nam A lu6n theo d6i, phdn tich, drinh giri vi c6 trilch nhi6m chil rt6ng c6ng bd-r.h6ng rin nhim grrip khiiclrhirng, cd clting hidu 16 mgi hoqt dQng cria Ngdn hing, h4n ch6'nhfrng tin ddn thni lhier cri thi gtiy in5 lltillg rrli trelrddng cria Ngiin hing.
Bting ph6n tich tr4ng thiii thanh kho6n th6ng qua b6o cdo ph6n tich tii sdn vi ngudn v6n rheo k! clio han rhrtc td 11i thoidiim lip 86o ciio tli chinh duoc trinh bdy nhrr sau
\{
.NG
t0F
AH
\c'4
l.MBCTC-HN Q1.2015 Page 1 4
Qul han 1'rong han
Tr6n 3 th6ng DIn 3 rhring D6n I thing Tir l-3 thrlng Ti 3-6 th{ng Tir 6 - l2 thrlng Ttrl-5nim Tr6n 5 nlm c0ng
315 351 r5.5 l0
23t.672
520.777
5. I5l.4l I
149.346
323.086
1.465.97;
3 956.4%
t.902.648
2.64'1
2.194.644
50.349
3.26;
327.000
3.544.843
414.81I
17.388
5.928.285
2.588.238
386 280
s9.803
2.363.37s
200.000
852.762
I 1.380
231.672
520.777
10.209.807
t49.346
16.587.743
3.253.398
386.280
852.762
r.560.46 l
Tiri sin
I. TiCn mAt, Vang bnc, & quj'
II. Tirin gui tai NHNN
IILTidn, vang gui tai cric TCTD khric vri
cho vay cdc TCTD kh6(t)
IV.Chung khoin kinh doanh(r)
V.Ciic c6ng cp tiii chinh ph6i sinh vd cric
tdi sdn tdi chinh khd(i)VI.Cho vay khdc hdng vA mua ng(r)
VIl.Chung kho{n diu r(r)
Vlll.G6p v6r\ diu tu ddi hen(r)
IX.Tdi san c6 dinh & Bdt dQng sdn diu tu
X.Tdi sin c6 khdc(r)
T6ng Oi sin c6
Ng phii triI.Tidn gti vd vay trt NHNN vd c.ic TCTD
kh6c
II.Tien gui cua khrich hring
III.Cic c6ng cp td,i chinh phrii sinh vd cric
khoin nq tAi chinh ph6i sinh
IV.Viin tii rq, ui,thric, dAu tq cho vay
TCTD chiu rrii ro
V.Phdt hdnh gi6y td c6 gid
VLCac khoan nq khdc
Tiing nq phii tri
M'irc ch6nh lf{h thanh khoin rdng
Jr5.15r r 5.510 7.t12.268 5.6(11.792 3.023.r59 4.30{.012 8.e61.61t7 J..t27.51 7 J3.752.2,r6
4.479.871
7.006.995
l9
2.448.156
4.586.54 I
9l 1.579
4.278.348
57.000
4.399.301
Is.7l3
1 50s.290
184
539
7.9 12.503
21.777.t94
l9
soo.rz r204.393 99.347 99.418 87.320 9.920 IJ
I I.69r.278 7.rJ4.045 5.289.3{5 4.5{1.620 1.5J0.92J 716 10. l 90.137
3r5.35r 1s.329 (3.8{9.010) (1.272.2s3) (2.266.186) (239.579) 7.4J1.681 3.426.772 J.562.109
Ghi chi: (') - Cric khhn nac m! khtug tinh din dy phmg rii ru.
TMBCTC-HN Q1.2015 .Qra+#Y Page 15
77 4.900
l8r
24.,1 ltiii ro giri ci thi trudng khdc'F il.[ii ro tirci'rc hoilt dQng ngo4i bingIIiitr hc't ctic khoiin biio lInh, cdc khofrn Ngin hdng Nam A cam kdt cho vay tldu c6 tii siin dfrm biio, do dti khir ning cIckhiriin nCu tr'6n giiy ra nhitng bi6n clQng rinh hrrdng ddn tinh hinh tii chinh cia Nge n hirng k\ rat thiilr.
'r' lliri ro ludt phtip
Li cr3ng ty clai chfing ho4t clQng trong linh v{c tii chinh-tidn tQ, Ngdn hing Nam A ludn tu6n th[i cric quy clinlr r:iil phiilr
Iulit liOn cluan d0ir ho4t dQng ngdn hing tldu dnh hudng tnfc tidp cldn ho4t clQng cira Ngiin hing Nanr A. 1'uy nhiCn. r,di
hrrdng phdt triifn kinh cloanh dn clinh, l6u dii; tinh hinh tii chinh minh bach; kinh nghiQm qudn tri. clirju hirnh, Ngiin hiing
Nam A se thich ri'ng nhanh vdi nhfrng thay <ldi vd c6c quy <linh.
'r' l{iii ro khdc (thi6n tai, clich hqa, chr{y nd....)
Di lruu chi ton rhni khi xiiy ra rii ro vd thi€n tai, dich hoa, chdy nd....Ngdn hing Nam A c1fr thuc hiQn brlo hidrn tidn giri
rhco tlui dinh cira NHNN, xAy clyng phirdng rin bio toin dflliQu trong trudng hop xiy ra ririro do blii khri khrlng, xiiy cltnrg
phdcrng iin phirng chdy chta chriy, bio hidm tii sin.
TP. HCM, ngiry )y' thdng 04 ttcinr 2015
KT. Tdng Gi6m tldc
L:.pp bring vtlr/K6'torin tnIdng'--'n// I
Tdng (Jiirm cldc
LO Nguy6n H6ng Thfiy Trdn Thi 86o Trdm iTuydt Nga
rlll,o{cilflcd
FIAM }{
'rr\1BCTC-ilN Q1.2015 Ira..,c l6