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CONG TY CO PHAN BAO MEM ONG ROA XA HO CHU NGHIA VItT NAM NGAN HANG NONG NGHltP Dc 14p - Ty. do - Hanh pinic
Sto: 1170/2017/BC-ABIC-DT Het Ni, ngety 18 thang 04 nain 2017
BAO CAO THIfONG MEN Ten Cong ty: Cong ty c phtn brio him Ngtin hang Ming nghi0
Nam bac) cao: 2016
I. Thong tin chung
1. Thong tin khai gnat
- Ten tieng viet: C6ng ty C8 phan Bao hiem Ngan hang Nong nghiep - Ten giao dich: Bac, hiem Agribank - Giay chung nhan kinh doanh se): Giay phep dieu chinh gall nhat
38GP/GPDC4 /KDBH do 138 tai chinh cap ngay 07/01/2015. - V8n dieu lg: 380.000.000.000 dtmg - Dia chi: Tang 6 nha 29T1, cluerng Hoang Dao Thity - Cau Giay- Ha Ni - dien thoal: 04.62990055 - S8 Fax: 04.62580055 - Website: Abic.com.vn - Ma co phieu: ABI
COng ty C phan Bao him Ngan hang Nong nghiep (ABIC) dugc thanh lap theo giay phep sty 38GP/KDBH do BO tai chinh cap ngay 18/10/2006, Cong ty chinh thirc Ichai twang hoat Ong ngay 08/08/2007. lir dam 2009 dgn 2016 C6ng ty luon dg tlac dO tang tnrang doanh thu phi bao higm cao hart mix tang tru'ang binh quan ten thi tnxing. Nam 2012, sau 5 nam thanh lap, COng ty da dat doanh thu phi bao him 448,9 tY' d'ong. Ngay 06/12/2016, Cong ty dã dat In& 1.000 tST ang doanh thu phi bao him, kgt thUc nam tai chinh nam 2016 Cong ty dat 1.086 tS, ding doanh thu phi bao him. Nam 2017, Cong ty chuan bi th chirc ICS/ niem 10 nam ngay thanh 1p, mix tieu trong nam 2017 Cong ty phan du dat doanh thu phi bao him eac 1.282 tS7 ding, Igi nhuan truck thug 153,5 -IS/ &zing.
2. Nganh nght va dia ban kinh doanh
- Nganh nghe kinh doanh: Kinh doanh Bao higm phi nhan thg; DL tu tai chinh va kinh doanh khac theo quy dinh cüa phap luat.
- Dia ban kinh doanh: Trong lanh the) Viet Nam.
3. Thong tin N4 mo hinh quail tr, to chtic kinh doanh va 1)0 may quan 1ST
ABIC t chirc quan tri kinh doanh theo m6 hinh cna Cong ty c phan, ca cu t8 chirc va mpg luoi kinh doanh cüa Cong ty nhu sau:
3.1. Co' eau di char ciia Cong ty Di hi dtng cO dong: Dai hi d8ng c Tong la co quan quyen lc cao nhat cüa
Cong ty. Dai hi (long co (long quyet dinh t6 chic lai va giai the Cong ty, quyet dinh dinh Wing Oat trien, bo nhiem, min nhigm thanh vien HDQT, Ban kiern sok.
Hi ding quan tri: II8i d8rig quan tri la ca (pan quan tri cao nhat cüa Cong ty, có day dü quyen han de thay mat Dai hi &lig co clang quyet dinh cac van de lien quan den mix tieu va lgi ich cüa Cong ty, ngoai trU cac van de thuOc quyen han cüa Dai hi (long CO &mg. 1-18i Tong quail tri do Dai hOi dong , dong bau ra. Hi Tang
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quan tri cüa Cong ty g6m 5 thanh vien (danh sach cac thanh vi'en HDQT tai muc V. Quail tri Cong ty).
,Ban ki6m snit: Ban kiem soat do Dg hi d6ng c6 dong bAu ra, la 6' chirc thay mt CO (long de kiem soat mei hog dOng kinh doanh, quan tri va diêu hanh cüa Cong ty. Ban kiem soat eUa C'Ong ty g6m 3 thanh vien (danh sach Ban kiem soat tai invc V. Quin tri Cong ty).
, Ban Tang giam dirk: Ban T6ng giam d6c bao gm T6ng, giam dc va cac PhO Tong giarn doc do HDQT quyet dinh be, nhiem, min nhiem. Tong Om doc la nguei diet' hanh cao nhat mei hog Ong kinh doanh hang ngay cüa Cong ty (danh sach ban T6ng giam doe tai diem 2. Muc II.)
Cac Phong Ban Cong ty: - Ban Kim tra kiem sok nOi loO; - Ban Quan 1 ro; - PhOng Tai san k thuat; - Pheng Hang hai; - PhOng Phi Hang lig; - Phong Tai bao hiem;
- Ph6ng Quan 1) di 1 va PTHT; - PhOng Giam dinh b6i thueng; - Phang K toan -Tai chinh; - PhOng tu v6n; - PhOng T6 chirc hanh chinh;
- Ph6ng Thu 14 Phap che; - Ph6ng Cong nghe thong tin; - PhOng Kinh doanh.
3.2. Iligng hroi hogt d'Ong cüa Gong ty
I. `fru sO chinh ABIC - Dia chi: Tang 6 nha 29T1, cluo'ng Hoang Dgo Thzy - Trung I-16a - Cu Giay -
Ha Neji - Dien thogi: 04.37622555 - Fax: 04.37622055
2. Chi nhanh ABIC Ha NOi
- Dia chi: 3432901 Can - Ba Dinh - Ha NJ.
- Dien thogi: 04.62754455 - Fax: 04.62754466
3. Chi nhanh ABIC TP 1-16 Chi Minh
- Dia chi: 38 Phan Deing Latu - Phteemg 5- Quan Phz Nhuein - TP HCM
- Dien thogi: 08.38249797 - Fax: 08.38249855 4. Chi nhanh ABIC Da 1\l'ang - Di a chi: S a I Tang Phu& Pha - Qugn Hai Chau - TP Da Nang
- Dien thogi: 05.113699222 - Fax: 05.112699224
5. Chi nhanh ABIC Nae An - Did chi.. So 371A Nguyen Vein Cir - TP Vinh - Nghe An -Dien thogi: 0383.837177 - Fax: 0383.837766
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6. Chi nhanh ABIC — Dc Lak - Dia chi: So; 06 Trdn Hth4 Dzic - Phuthig Tan loi - TP Buon Ma Thu.ot - Dak Lak -Dien thogi: 05.003.957.697 - Fax: 05.003.957.695
7. Chi nhanh ABIC — Hai Phong - Dia chi: T6 sa 62-64 Ton Dc Thang - Le Chan - Hai Phong - Dien thogi: 0313.637.555 - Fax: 0313.719.555
8. Chi nhanh ABIC Khanh H6a - Dia chi: Sc4 45 Lain San, Plucong Phu& Hda, TP Nha Trang, Khanh Boa. - Dien thogi: 058.3510.066- Fax: 058.3510.077
9. Chi nhanh ABIC Can Tha - Dia chi: Sa 481 dziong 30/4, Phuy3ng Hung Lcri, Quan Ninh Kiu, dzn Thu.
- Dien thogi: 0710.3782.266 - Fax: 0710.3782.288
10. Chi nhanh ABIC Thanh H6a
- Dia chi: T2 Khu nha 11 Phan Chu Chinh - Phtrang Dien Bien - TP Thanh Hog - Thanh I-16a
- Dien thogi: 0373.718.456- Fax: 0373.717.718 11. Chi nhanh ABIC- Phft Th9 - Dia chi: S els 1674 clgilO Hitng Vuong - Phwang Gia Cdm - TP Viet Tri - Phz. Tho
- Dien thogi:• 0210.3818.528 Fax: 0210.3818.529
4. -Dinh hir&ng phat triên
4.1. rd phdt tri61 san pheim dich vu:
- V kenh phan ph& bao hi .6m qua ngan hang: ABIC at muc tieu tro• thanh doanh nghiep bao hiem c6 mo hinh kenh phan phoi bao hiem qua ngan hang voi vi the hang dau teen thi truOrng bao hiem Vi'et Nam.
- Thong qua cac bin phap nghiep vii bao him, ABIC tich cuc g6p phAn giam thieu rüi ro, ton that ye von va tai san cüa Agribank ac bit la khu vuc nong nghiep, nong thon.
- Gop phAn da clang h6a san phAm kinh doanh, tang ngu6n thu nh4p dich vit cua he thong Agribank thong qua hoat dOng Dich vu Dai 1 Bao him.
- Hinh thanh kenh huy dOng von thlthng xuyen, co tinh on dinh cUa Agribank thong qua ngu'on phi bao hiem thu duvc tir ABIC.
- V6 sari phAm: Phat tri6n cac san phAm bào hi6m lien ke't vai cac san r ph'am Ngan hang nOi chung; tao ra it nhat 2 san pham rnüi nh9n ,lien ket trgc tiep vOi Agribank; khai thac t6i da tiem nang cüa Agribank; cac san,pham khong c6 kha nang canh tranh sê ph6i hgp vó.i doanh nghiep bao hiem khac de khai thac; khong de bao hie'm khac khai thac tai Agribank.
4.2. rd hieu qua kinh doanh:
- Ngodi viec dap irng ca ban cac chi tieu do lung, danh gia \id xp loai dm B6 Tai chinh, ABIC së xay dung cac chi tieu danh gia hoat dOng di vOi ding pheng nghiep vu lam ca sO• cho b6 chi tieu hoat dOng chinh lam co. SO cho cong tac quail tri \id di'eu hanh.
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- Ve doanh thu, ABIC phAn du duy tri t6c dO tang truong binh quan tr 10-15%/1 nam.
- Ve lgi nhu4n, phan dau tang truong trung binh tCr 5-10%/nam. - V c tdc, dam bao ngang bang vâi mix chi tra cüa thi truong bao him
(khoang 8-12%/nam/1 c6 ph 'an). 4.3. Vd nang 1rc cgnh tranh: Duy tri trong nhom 10 doanh nghiep bao him
kinh doanh c6 hieu qua. 4.4. tie' quan tri rai ro: Dam bao cac ,hoat &Ong dugc danh gia, kiem soat
thuong xuyen bang quy trinh, da. can bO de kiem tra; thvc hien kiem sok ttr xa; xay dung he thong danh gia rai ro ni bO theo tUng mang nghiep vy, nang cao tinh tuan tha nib.
4.5. Quiin tri dedu hanh: - On dinh v t6 chirc, dieu chinh lai mO hinh t6 chirc tai Try se( chinh va Chi
nhanh theo Inrang it gay xao trOn; tach ding tac khai thac khoi 136i thuong; tach cling tac quan ly nghiep vg ra khoi kinh doanh ttvc tip; dam bao minh bach va kiem sok dugc rai ro; áp dyng dugc cac quy trinh chuan tü khai thac, boi thuomg, tai bao hiem.
- Dam bao Try so chinh c6 kha nang giam sat hog dOng t6t di voi Chi nhanh; ban hanh day dU cac co che quy che nOi bO, phan cap phan quyen hop lY phi' hop voi nang lvc dieu hanh cUa tirng chi nhanh tren co sâ danh giá hang nam. Xay dung lai th6ng phan cap phan quyen cho Urn nghiep vii theo nang Arc quan lY caa timg Chi nhanh. Cac tieu chi danh gia se dugc xem xet lai khi lc& thYc nam tai chinh, lam ca sa, cho viec phan c lap va giao k hoach kinh doanh nam tiep theo.
- Kien toan dU nhan sir cac cap ter Ban dieu hanh den cac phong, ban nghiep vi de dap Ung yeu cau phat trien.
4.6. V thi trtr'ong khach hang: ABIC to' thanh doanh nghiep di dau trong phat trien hog dOng kinh doanh vex) khu vvc nOng nghiep, Ming then. Ph'An du den nam 2020, duy tri thuong xuyen tir 2 den 3 trieu 110 'long clan dugc bao hiem gàn voi hog &Ong cap tin dyng cho khu voc ming nghiep, nong thon cUa Agribank.
5. CácrUiro C6ng ty khai thac cac hop dOng ,bao hiem phi nhan th9 nhu bag him hang hoa
van chuyen, bao him tau thay, bao him ICY thuat, bao him hOa hoan, bao hiem y te tv nguyen va bao him con nguai, bao him trach ,nhiem chung va bac) hiem xe co giai. Phan lam cac rai ro trong cac hop dong bao him phi nhan tho thuong dugc bao him trong thoi han 12 thang.
Cong ty phai chiu, raj ro tich lay phy thuOc vao, tinh hinh pith trier' kinh tecUa Viet Nam va dong von dau tu nuafc ngoai trong san xuat va bat dOng san, dc bit là tai cac trung tarn kinh te lem nhu thanh ph ii HO Chi Minh, HI Ni, Hai Phong, va DI
Di vOi dc hop emg bao him phi nhan thg, rüi ro tr9ng yeti phat sinh tir thay di moi tnrerng va tham h9a thien nhien. Viet Nam dl phal chiu ton that lon nhu bac) nhiet dai, la song, mua bao va lo. dat. Bao nhiet dai du kin së anh huong thuong xuyen den Viet Nam veri mire dO nghiem trong ngdy Gang cao va ton that dugc bao hiem ngay cang lan. De dua ra nhüng bin phap giam thieu rUi ro, Cong ty dl thu xep cac h9p &mg tai bao him lien quan den dc loai hinh bao him tai sIn, xe co. gigi, vlan
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chuyen,hang h6a va tau thay, danh bat cá a hp che cac ten that do tham h9a gay ra nham ti thieu hóa phan rüi ro gii lai cüa Cong ty.
Rüi ro bao him cüa COng ty bao gem hau het cac loai rüi ro bao him phi nhan th9 nhu rüi ro hang h6a van chuyen, rñi ro tau thay, raj ro hang khong, rai ro du khi, rai ro tai san, rai ro con ngu6i, ro k5", thuat... Do vay, ngoai rüi ro tich ti ding loai rài ro, Cong ty con di mat vai rai ro tich tçi cac loai rai ro lien quan, chang han nhu bao him &Ong thed tau va hang, bao hiem dong thoi tai ,san vã. con nguOi... Cong ty dä c6 quy dinh ve quan 1ST rai ro tich tii va mua cac hop dong tai bao hiem bao ve de giai han mire tech nhiem khi xay ra sr kin rai ro tich ta hoac tha'm h9a.
Ve rai ro tai chinh: Toan bO danh rnic dau tu tin gui cüa Cong ty c6 lai suit c6 dinh do vay Cong ty khong c6 rai ro ve thay di lai suit. Phan Ian cac tai san tai chinh caa Cong ty la bang VND da- giap giam thieu rai ro ve tSt gia ngoai te.
H. Tinh hinh hot &Ong trong nam
1. Tinh hinh hot dOng san xuat kinh doanh Dan vi: Trieu d6n
STT Chi tieu KFI 2016 TH 2016 TH/KH
I/ Doanh thu ban hang 976.000 1.154.640 118,3% 1 Phi Bao him g6c 926.000 1.086.529 117,3% 2 Phi nhan tai bac) him o 4.996 - 3 Doanh thu du hr tai chinh 50.000 63.115 126,2%
II/ Dyi nhu4n truck thug 115.000 139.003 120,9%
(Sa lieu bao cao dã chfcrc kiem toan)
2. T6 chtic va nhan sty 2.1. Danh stich, torn kit 135 lich và t33 re set hiku ed philn cá nhan ctia Ban
dMu hanh:
TT HQ va ten Chtirc danh Ghi chti T5,. le set heti CP (/0)
1 Hoang Thi Tinh T6ng giam dc 0,11 2 Dil Minh Hoang Pho T6ng giam dc 0,18
3 Mai Sinh Pho T6ng giam d6c 0,11 4 Quach TA 'Clang Pho TOng giam dc 0,09 5 Nguyen Tien Hai Pho T6ng giam dc 0,15
T6m tat 1T lich ban dieu hanh:
2.1.1. Ba Hoang Thi Tinh - Tiing giant doc - Ngay thang nam sinh: 03/05/1964.
- Trinh dO.chuyen mon: Thac sy Kinh te, chang chi bei duang K toan truong.
- Trinh de ngoai ngit: Ting Anh trinh de B.
- Kinh nghiem cong tac:
+ T 1985 den 1991: Nhan vien ke toan Agribank huyen Giao Thay - Nam Dinh;
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+ Tir 1991 den 1992: Giam dinh vien Agribank huyen Giao Thily - Nam Dinh;
+ T* 1992 den 1997: Pho tnrang placing Ke toan Agribank huyen Giao thily - Nam Dinh;
+ Ti 4/1997 den 7/1998: Tracing phOng Ke toan Agribank huyen Giaoiy - Nam Dinh;
+ Tir 8/1998 den 11/1999: Can 136k toan Sec kinh doanh Hi doai Agribank;
+ T* 12/1999 den 7/2004: Ph6 Triremg phong Kë toan Ngan guy - So' giao dich Agribank;
+ Tir 8/2004 den 9/2006: Kim tra twang Sâ giao dich Agribank;
+ Tir 10/2006 den 5/2007: Thanh vien ban tril bi thanh lap ABIC;
+ Tr 5/2007 den 11/2007: Throng phong ice toan tai chinh ABIC;
+ Tir 11/2007 den 12/09/2010: Ke toan truang - Truang phong k toan tai chinh ABIC;
+ Tir 13/09/2010 den 08/06/2014 Pho TOng gam dc ABIC;
+ Tir 09/06/2014 den nay: T6ng giam d6c ABIC.
2.1.2. Ong D8 Minh Hoang- Pho Ding giam dôc
- Ngay thang nam sinh: 01/08/1966
- Trinh d6 chuyen mon: Thac s-Y kinh -Le chuyen nganh Tai chinh - Ngan hang Bao him; Cir nhan Luat; Kiem man vien nha ntrac, chimg chi dao tao cac nha lanh do DNBH,
- Trinh d6 ngoai Ting Anh trinh d6 B.
- Chirc vii ding tac hien nay: Ph6 T6ng giam d6c ABIC.
- Kinh nghiem cong tac:
+ Tit 1990 den 1994: TP Bao hiem S6c Scm - Bao him HA N6i;
+ Tir 1994 den 1996: TP Bao him Hai Ba Tnmg - Bao Viet Ha Ni;
+ Tir 1996 den 1997: Ph6 ph6ng Bao him Phi Hang Hai - Bao Minh Ha Ni;
+ Tir 1997 den 1998: Tnrong dai din Chi nhanh Bao Minh Hai Duang;
+ Tir 1998 den 2000: Pho phong Phi Hang Hai - Bao Minh Ha Ni;
+ T* 2000 den 2004: Tnrong phong khu vvc 8 - Bao Minh Ha Ni;
+ Tir 2004 den 2006: Kim toan vien Nha rarac - CQ kiem toan Nha nuac;
+ Tir 5/2006 den 5/2007: Chuyen vien Ban tru bi thanh lp ABIC;
+ t 5/2007 den 18/05/2010: Quyen TOng giam dc ABIC;
+ Tir 18/05/2010 den nay: Pho Teing gam dc ABIC.
2.1.3. Ong Quach TA Khang - Phó Ding giam dc
- Ngay thang ram sinh: 06/06/1964.
- Trinh clO chuyen mon: KST- su kinh t van tai song, cao cAp 1' luan chinh tn.
- Trinh d6 ngoai ngit: Ting Anh trinh dO B.
- Kinh nghiem cong tac:
+ Tir 1988 den 12/1994: Can t:45 Phong lao clOng tin luang & Phong ke toan tai vu - COng ty xay dung cong trinh cluerng thu9 2;
+ Tir 01/1995 den 12/1995: Can bO Phong tai chinh k toan - Cong ty van tai xang d.0 throng thu9 1;
+ Tr 12/1995 den 3/2000: Throng phong k toan teng hop - Chi nhanh Cong ty CO phan Bao him Petrolimex Hai PhOng;
+ TIT 4/2000 den 3/2004: Truong ph6ng tai chinh ice toan - Chi nhanh Cong ty phan Bao him Petrolimex TP.HCM;
+ Tir 4/2004 den 9/2005: Pho Giam dc Chi nhanh Cong ty CO phan Bao him Petrolimex Binh Duong;
+ Tr 10/2005 den 7/2008: Giam clOc Chi nhanh COng ty CO phan Bao hi8m Petrolimex Binh Duong;
+ Tir thang 7/2008 den 7/2011: Clam dc Chi nhanh ABIC TP. HCM.
+ Tir thang 7/2011 den nay giiT chirc PhO TOng Giam dc ki8m Giant dc Chi nhanh ABIC TP. HCM.
2.1.4. Ong Mai Sinh - Pho 'Ding giam Mc - Ngay thang nam sinh: 20/11/1961
- Trinh dO chuyen mon: Thac s9 kinh t
- Trinh dO ngoai Tien Anh trinh di) B.
- Qua trinh cong tac:
+ Tir 9/1986 d'en 11/1989: Can 130 Citing ty Bao him Ha Ni;
+ Tir 12/1989 den 7/1990: Ph6 ph6ng Bao him phuang tin - Bao Vi8t Ha Ni;
+ Tir 8/1990 den 11/1994: Ph6 phOng phiri trach Phong Bao him phi hang hal - Bao Vilet Ha Ni;
+ Tr 12/1994 den 7/1995: Can bO Qu.9 tin dung nhan clan Trung trang;
+ Tir 8/1995 den 2/1996: Ph6 Giam dc phi trach phong Th6ng tin - Phap 19 va Quan h qu6c te - Qu'9 tin dung nhan dan Trung ucmg;
+ Tir 3/1996 den 7/1996: Can 1)0 Cong ty Bao him TP. HO Chi Minh - Bao Minh Chi nhanh Ha Ni;
+ Tir 8/1996 den 12/1997: Pho ph6ng Phi hang hai pinj trach 13, 0 ph0 dai 19 - COng tac vien - Bao Minh Ha Ni;
+ Tir 01/1997 den 8/1998: Truong phOng Dai din bap him Bao Minh Ngh8 An;
+ Tir 9/1998 den 02/1999: Pho Giam citic phu trach Chi nhanh Bao Minh Ngh8 An;
+ Tir 03/1999 den 4/2000: Tnrong phong nghi8p viii Bao Minh Ha Ni;
+ Tir 7/2001 den 12/2004: Trung phOng COng ngh8 va dich vu thong tin - Bao him tin giri Vi8t Nam;
+ 1/2005 den 4/2005: Tnremg phong Thong tin tuyen tnlyen - Bao hiem tin Vi8t Nam;
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+ Tü 4/2005 den 7/2006: Truing van phong dai din Bao Minh tai Ha Ni;
+ Tit 8/2006 den 6/2007: Chuyen vien Ban tra bi thanh lap ABIC;
+ Tir 6/2007 den 30/8/2012: Twang PhOng Quan 1' DO 1S, & PTHT ABIC;
- Tir 1/9/2012 den nay: Pho T6ng Giam d6c ABIC.
2.1.5. Ong Nguygn Tin Hai - Phe Ping giam dc
- Ngay thang nam sinh: 12/08/1975
- Trinh d6 chuyen mon: Thac s9 Lust kinh te va quan 1S, chuyen nganh tai
chinh, ngan hang, bao him
- Trinh d6 ngoai Tien Anh trinh d6 C
- Qua trinh c6ng tac:
+ Tir 1997 den 4/1998: Can b'() COng ty ph'an mem Ice toan - Cang ty Bac) V*
Ba Ria - Vang Tau;
+ Tir 5/1998 den 9/1998: Can 1)0 PhOng giam dinh - Cong ty Bao him Nha R.6ng (Chi nhanh Ha Ni);
+ Tit 10/1998 den 12/2002: Can b6 PhOng k toan, Phong Kinh doanh Cong ty Bac) Minh Ha Ni;
Tir 01/2003 den 10/2006: Phij trach ph6ng Kinh doanh Bao hiem PJICO;
+ Tr 11/2006 den 7/2007: Twang phOng Tai san - Bao Minh Thang Long;
+ Ti 25/7/2007 den 23/9/2012: Tnrong Ph6ng Tai sank thuat ABIC;
+ Tir 24/9/2012 d'en 30/6/2014: Giam dc Chi nhanh Ha N6i thu6c ABIC;
+ Tir 01/7/2014 den nay: Pho T6ng Giam dc ABIC.
2.2. Nhling thay dJi trong Ban ctr.eu himh num 2016
(Khong thay cle'fi)
2.3. S4 Itrvng can bi), nhtin viên và chinh scich nguiti lao dOng
- Nhan sly toan Cong ty tinh den 31/12/2016 la: 579 can b6 nhan vien.
- Cong ty thlyc hien chi tra luang cho nguai lao &ling theo doanh thu phi bao him dive hien va hieu qua lcinh doanh theo quy dinh tai van ban so: 1899/2014/QD-ABIC-KTTC quy dinh ve Qu9 thu nhap trong toan Cong ty. Day la van ban nen tang dieu chinh ve ca che phan phi den lucmg cho nguai lao cl6ng, gan viec phan phoi tin Wang vai ket qua lcinh doanh cuoi ding. Ngoai ra, cac che d6 BHXH, BHYT; luon duvc dam bao day dü d6i vai ngtx6i lao dOng.
3. Tinh hinh dau ttr, tinh hinh thkrc hin cac city an 3.1. Cac khoan d'au tu lon: (khong co)
3.2. Cac cong ty con, cong ty lien ket: (Khong co)
4. Tinh hinh tai chinh 4.1. Tinh hinh teti chinh
Don vi: D6ng Chi deli Ma so Nfim 2016 Yam 2015
1. Doanh thu thuan boat dOng KDBH 10 924.666.335.875 699.409.449.505
2. Doanh thu boat ciOng tai chinh 12 63.114.972.269 47.524.269.244
8
3. Thu nhap khac 13 882.818.255 335.787.675
4. 'fling chi phi hoat Ong KDBH 20 -534.890.614.314 -385.075.237.427
5. (Chi phi)/thu nhap boat Ong tai chinh 22 -90.874.287 -64.834.352
6. Chi phi quan 1' doanh nghip 23 -314.648.827.047 -256.952.134.672
7. Chi phi Ichac 24 -30.653.195 -95.487.072
7. to'ng lyi nhuan Ic6' toan truot thut 50 139.003.157.556 105.081.812.901
8. Chi phi thuê TNDN hisn hanh 51 -27.854.631.511 -23.254.269.288
9. Lqi nhuan sau thue' thu nhap DN 60 111.148.526.045 81.827.543.613
10. Lai co ban ten cei, phiL 70 1.819 1.309
4.2. Ccic tieu tai chinh
STT Chi tieu Dun vi
tinh Cuoi Liam Dau nam
1. Co eau tai san - Tai san dai han/T6ng tai sari % 11,49 28,97
- Tai san lin clOng/Tng tai san % 88,51 71,03
2. Cu cu nguiin von - Ng phai tra/T6ng ngutm v611 % 61,06 56,93
- Ngui'5n von chili se( hiku/T6ng ngutm v6n % 38,94 43,07
3. Kha nang thanh toan - Kha nang thanh toan nhanh Lan 1,205 1,595
- Kha nang thanh toan h*-i hanh LAn 1,45 1,598
4. TST suat 10 nhuan - TST suat loi nhuan truck thu&Teing tai san % 8,99 8,12
- TST suit loi nhuan sau thu&Doanh thu thuan % 12,02 11,7
- TST suat loi nhuan sau thu&Ngui5n v6n chii so. hfru % 18,47 14,69
5. Co. cu cô [long, thay di yem dau ttr cüa chii s& hfru
5.1. Ca phan
T6ng se) c6 ph'an cfia Cong ty: 38.000000 CP menh gia 10.000 d6ng, trong do: Co phan pho thong: 38.000.000 CP, co phan tru (Khong co), cO phan hgn che chuyen nhugrig: (Khong co).
Tong s6 co phan clang lull hanh: 36.841.800 CP, tong so co phan chtra hru hanh (Co phieu qu9): 1.158.200 CP.
5.2. Go. cau cô dong:
5.2.1. Co dong lon:
Cac cô (long s6' hdu: 22.700.000 CP chi6m: 59,74% c'o' phAn cüa Cong ty.
Danh sach cac c 'Jong lam cüa Cong ty:
- Ngan hang Nag nghi'ep & Phat trien Nang thon Viet Nam, clia chi so 2 Lang Ha, Ba Dinh- Ha Ni, so hdu 19.500.000 CP chi6m 51,32% Vc'm di'eu re.
- Tong Cong ty Tái bao hiem quoc gia Viet Nam, clia chi 141 Le Duan — Hoan Kie'm — Ha Ni, se). hdu 3.200.000 CP, chie'm 8,42% Von diêu l.
5.2.2 Co clang nho:
Tong, sCI hdu cfia cac co don<2 nhO la: 14.141.800 CP, chiem: 37,22% co phan cfia Cong ty.
5.2.3. CO clOng s& hiht nha war:
Tong sd• hdu cfia co clOnc,, nha nu& la: 19.500.000 CP, chiem: 51,32% co phan cfia C 'Ong ty.
9
Danh sach cac c dong nha nuot:
TT Ten et) (long 7, X Co phan TS, re' %
1 Ngan hang Nong nghigp va PTNT Vigt Nam 19.500.000 51,32
5.3. Tinh hinh thay dji yin dim tie cua chi"' so' him: (Nam 2016 van dieti le cilia Gong ty khong thay crth)
5.4. Giao dich ca' phiiu quf "tam 2016: (khong phat sinh)
5.5. Ctic chti.ng khocin kheic: (Khong co)
III. Bao cao va dinh gii cfia Ban Tiing
1. Dinh gii Wet qua hot dOng kinh doanh
1.1. Ho9t d'Ong kinh doanh biio hiêm
Doanh thu phi bao him: Tinh dgn ngay 31/12/2016 t6ng doanh thu bao him g6c day 1.086.529 trigu cl6ng tang truong 38,5% so voi nam 2015; Doanh thu nhan tai BH 4.996 trigu &Ong giam so vai dip hign nam 2015 (nam 2016 Cong ty chn tracing quan 1' chat che nghigp vi nha.n tai BH de dam bao higu qua kinh doanh).
1.2. Hogt Ong diu tie tài chinh Tling du dau tu tin gri tai cac chi nhanh AGRIBANK an 31/12/2016 la
1.156.556 trigu demg chigm tY' tong 100% t6ng s6 du dau ttx tai chinh (Thang 12 nam 2016 dã hoan thanh thu doi khoan no• 18.025 trigu d6ng tai Cong ty ALC I).
T6ng doanh thu clau tu tai chinh nam 2016 dat 63.115 trigu ci6ng, tang truong 32,8% so voi nam 2015, hoan thanh 126,2% kg hoach nam 2016.
1.3. Kit qua kinh doanh Lqi nhuan tnrac thug nam 2016 COng ty thgc hign 139.003 trigu d6ng, tang
twang 32,3% so voi nam 2015, dat 120,9% kg hoach.
2. Nheng cai Wen NT'' ca can to chin, chinh sich quan 1ST
Cong ty dã dAn hoan thin xay ding m6 hinh kenh phan ph& san pham qua lig th6ng Dai 1SINgan hang Nong nghigp, buoy da.'u phat trign thanh cong san pham Bao an tin ding, mof ra hiving phat trien cac san pham phvc \Tv khu vi,rc ming nghigp, !long thon.
C'Ong tac img dyng cong nghg thong tin dã dugc Cong ty tang buck phat tri& dã nang cao dirge higu qua trong ding tac quail tri doanh nghigp.
3. Ke ho4ch phit trien trong ttrang lai
3.1. Nlyc tieu dinh hiro'ng kinh doanh aim 2017
- Doanh thu phi bao higm tang truang 18% so voi nam 2016.
- Lgi nhuan tnrac thug phan dau tang truemg 10% so vOi nam 2016.
- C6 tire chi tra phan dau dat 12%.
3.2. Ki hoych pitch trim n trong ttarng lai
Tip tvc khai thac thi truong truygn th6ng, tap trung ngu6n hrc phat trign m6 hinh kenh phan phi Bancassurance, lay khu vgc nOng nghiep, nong thOn, nOng dan lam thi traOng chil ciao.
10
Miic tieu chin hroc la dua ABIC tra thanh mOt doanh nghiep bao him có uy tin ve chat ltrong va phong cach phkic vu khach hang, chuyen nghiep trong &Ong tac giam dinh ton that, giai quyet khieu nai, chi tra tin boi thueing thuAn 1i, minh bach, nhanh chong va chinh xac. Dam bao quyen lqi va lqi ich cüa khach hang, gop phan thilc dAy phat trien kinh t va an sinh xã hi.
IV. Dinh gia ciia Hi ding quan tri v hoat ding cilia Cong ty (di veri Cong ty CO phan)
1. Danh gia ciia Hi dOng quail tri v boat dOng dm Ban Tang Giam dc Cong ty
- Ban T6ng Giam d6c c6ng ty gm 5 thanh vien (Tang Giam dc va 4 Pho T6ng Giam d6c, trong do 1 Pho Tong Giam doe phi trach khu vuc phia Nam) dã thkrc hien tot viec phan c6ng cong viec, phan cap va quyen dam bao dieu hanh m9i hog Ong kinh doanh cüa Cong ty, bao quat toan b6 cac Chi nhanh theo khu \rue dia 1Y.
- Ban T6ng Giam dc dã chi dao Cong ty t6 chirc thkrc hien t6t cac Nghl quyet, Quyet dinh cna Di hi c16ng co dong va cña HDQT Cong ty, thuomg xuyen barn sat dia ban, nam bait thkrc tin hoat d6ng kinh doanh de co quyet dinh dieu chinh phi hop.
Hoat d6ng dieu hanh dm Ban T6ng Giam dc cla dam bao tuan thn theo dung cac quy dinh cna phap luat, quy dinh cna Dieu 1" Cong ty va theo dUng dinh huang cüa HDQT, thkrc hien hoan thanh va vuot mirc ke hoach kinh doanh do HDQT giao.
2. Cac kO hoach, dinh inromg caa Hi dOng quan tr Hog d6ng cüa HDQT Cong ty trong nam 2017 se tap trung vao in6t s6 linh vuc
sau: - Nam 2017, HDQT trinh DH-DCD thuo'ng nien nam 2017 cac n6i dung cAn
&roc thong qua va phe duyet theo quy dinh cUa phap luat va Dieu 1 Cong ty.
- Duy tri nghiem tfic hoat d6ng cüa HDQT theo quy dinh cüa phap luAt va Dieu le Gong ty, nang cao nang luc, hieu qua giam sat cia HDQT (raj vài cac hoat dOng diet' hanh kinh doanh thueyng xuyen cda Gong ty.
- Phat huy tinh chn d6ng cia cac thanh vien HDQT trong viec quan 1Y, giam sat va hiS try cac don vj trong ho?.t dOng kinh doanh theo nhiem vu duoc phan ding.
- Kin toan b6 may t6 chdc, tai Try so chinh va cac Chi nhanh theo huo•ng tinh g9n va hieu qua. Xay dung co che phat trien nguon nhan sir có trinh d chuyen mon dap irng yeu cau thkrc tin kinh doanh.
- Nang cao kha nang canh tranh cüa sa.n pham bao hiem hien dang phan ph6i teen thi truong, Oat then mOt so san pham bao hiem phn hop vori dc thu kinh doanh cna he thong Agribank.
- Tip tgc ra soat, chinh sira va ban hanh mOi cac quy che, quy dinh, quy trinh ...ye nghiep vii bao hien' va cong tac quan tri, c6ng tac Iciem tra giam sat, tang cuorng vai trô ding tac kiem tra kiern sat n6i b6.
- Tip tic chi ciao ding ty thuc hien hoat dOng kinh doanh theo dinh Inrong chin luoc kinh doanh 5 nam (2012-2017) dã &roc DHDCD nam 2012 phe duyet.
V. Quin tri Cong ty 1. HO ding quit] tri 1.1. Thanh vien va co can cfia 1-112i deing quail hi Thanh vien HDQT va ty 1 so' hau c6 phAn ca nhan cüa thanh vien HINT.
11
T T
Ho va ten ChIrc danh Ghi chti
TS7 Ires ser hum CP (%)
1 Dinh V* Dong Chu tich HDQT 0
2 Hoang Thi Tinh Pho Chu' tich
HDQT Kiem TGD 0,11
3 D4ng Van Li6u Thanh vien HDQT
Kiem GD CN Dok LAk 0,03
4 Dtrang Van Thanh Thanh vien HDQT 0
5 Le H6ng Quan Thanh vien HDQT
chuyen trach 0
1.2. Cac ti&" ban thuOc HDQT: (Khong co)
1.3. Hoot dOng cfia Hi)i ding quern tri:
1.3.1. Clic cuOc hpp cfia Hi d ;ong quan
ST T
Thanh vien HDQT Chtit vt)
Ngay bat dau/khong con la thanh vien
HDQT
So' bad hop
tham d‘r
TST l
14 do
kheing tham du
1 Dinh Viet Dong ChU tich
HDQT chuyen trach
BO Tai chinh ph& chuan tir
ngdy 30/12/2014
4/4 100 %
2 Hoang Thi Tinh Pho Chu tich HDQT kiem
T6ng giam d6c NO.)/ 21/7/2014 4/4
100
%
3 Le H6ng Quan Thanh vien
chuyen trach
Tham gia dr 12/10/2015 thay
the Ong Pham Dim TuAn
4/4 100
%
4 Dang The Vinh Thanh vien
Thoi khong tham gia thanh vien HDQT ke
dr ngay 08/4/2016 do có
don tir nhiesm
0/4 0%
Ktiong con tham gia thanh
yien
HDQT ke tir ngdy
08/4/2016
5 Dtrang Van Thanh Thanh vien Ngay
31/12/2012 4/4
100
%
6 Dang Van Li6u Thanh vien
Tham gia t-fr ngay 20/7/2016
thay the Ong Dam; The Vinh
2/4 50%
Moi tham
Gia tit b thanh vien HDQT tir 20/7/2016
12
1.3.2. Hoot d'Ong giant sat cult HDQT d6i yeti T6ng Giam chic:
ABIC thuc hien hog d6ng giam sat cüa HDQT \Teri T6ng Giam dc theo dung the quy dinh cia phap 1u.t, cu the nhtr:
HDQT, ChU tich HDQT thuc hien trach nhi'em giam sat, chi do Tling Giam dc \fa ngtrai quan 1r khac trong dieu hanh cOng viec kinh doanh hang ngay cua Cong ty. Hog Ong giam sat dm HDQT, Chiii tich HDQT di vai Tong Giam doc dugc thtrc hien theo cac each thirc khac nhau nhtr:
- Thong qua trao di, thao Wan, chat van gifia HDQT, Chu tich HDQT và T6ng Giárn d6c;
- Thong qua cac bao cao chi tit day dñ, kip thai dm Tang Giam dc v tin d6 thuc hien, nhüng kh6 khan wang mac, phan tich nguyen nhan va a xuat cac giai phap xir 1;
- Thong qua Ban Kim tra, lciem soat n6i b6; Ban Quail 1 rñi ro tivc thu'gc HDQT, phi hçp voi Ban hem sok tong viec giam sat hoat d6ng cita Tong Giam doc;
- Cac van ban do Ban T6ng Giam dc ban hanh lien quan den nhan sir, co che kinh doanh, quan 1 rCii ro hog d6ng...deu dirgc giri den cac thanh vien HDQT va Ban kiem soat Cong ty. ta
- Hang thang the thanh vial Ban T6ng Giam d6c trgc tip bao cao ket qua citing viec vâi Chit tich HDQT tai Hi nghi giao ban. .v
- Cac thanh vier' HDQT chü Ong thuc hien hog d6ng kiem tra, giam sat trong pham vi dugc phan ding, thtic hien cac hog d6ng hO trg cac clan vi chi nhanh. Kt qua hoat d6ng cña cac thanh vien HDQT dugc bao cao vâi HDQT tai cac ky hgp.
1.3.3. Hoot d'Ong caa thanh vien H5i dang qudn tri d'Oc kip (Cong ty khong c6 thanh vien HDQT dOc 14p)
1.3.4. Dank sach ccic thanh vien H'Oi dang quiin,tri có chit' ng chi dao too ye quail trf cling ty. Danh scich cac thanh vien ITOI itOng qucin tri tham gia cac chtrang trinh v quoin tri Cong ty trong nam.
(Khong co)
2. Ban kie'm sok 2.1. Than!, vien va co ciut cact Ban kiem socit
. Ban kiem soat cUa C6ng ty gm 3 thanh vien trong do c6 1 Trirgrig ban chuyen trach, 1 thanh vien chuyen trach va 1 thanh vien lchong chuyen trach.
2.2. Danh scich thetnh vien Ban kiem socit, tj 1 so hfru c phiin có quyen Neu quyet va các chirng khocin khcic do cong ty phat hank
TT HQ va ten Chirc danh Ghi chi' TS, le so' him CP (%) 1 Trugng Dinh Canh Tnreing ban Bau 01/09/2016 0,005 2 Nguyen Ngoc Kien Thanh vien 0,001 3 Ltru Thi Viet Hoa Thanh vien 0
2.3. Hoot d'Ong clia Ban Mem soat: 2.3.1. Ctic cu'Oc hop cart Ban kiem soak Nam 2016 Ban kiem soat dã to chirc hop 4 lan cu th'e nhu. sau:
- Ngay 02/03/2016 Ban kiem soat hop: 13
+ Thong bao ket qua hog dOng kinh doanh cüa Cong ty nam 2015.
+ Danh gia boat dOng cila Ban kiem sok nam 2015.
+ Phan ding nhiem vu cho cac thanh vien kiem tra giam sat va chuan bi Bao cao trinh dai hi dOng ce) (Jong throng nien.
+ Chuan bj chuang trinh kiem tra giam sat caa Ban kiem soat sau DHDCD thuong nien.
+ Cac thanh vien Ban kiem soat bao cao ket qua hog dOng dm ding thanh
- Ngay 24/03/2016 Ban kiim socit hop: + Thong qua ket qua hoat dOng cüa tirng thanh vier' Ban kiem sok.
+ Thong qua du dia.() bao cao dm Ban kiLn soat danh gia ket qua hog dOng kinh doanh cüa Cong ty nam 2015; danh gia hog Ong cüa HDQT vã. hog &Ong dm Ban TOng Giam dc Cong ty nam 2015.
+ Thong qua du thao thin dinh Bao cao tai chinh nam 2015.
+ Lap bao cao ciia Ban kiem soat phuc vu ding tac 1p bac) cao thuerng nien.
- Ngay 01/09/2016 Ban kijni socit hop: +.Bau truang Ban kiem sok tiled gian con lai cUa nhim kr 2012-2017.
- Ngay 14/10/2016 Ban Mani socit hop: + Thong bao ket qua thIrc hiOn cac chi tieu ke hoach kinh doanh cüa ABIC 9 thang
du nam 2016.
+ Danh gia hog dOng dm Ban kiem soat 9 thang dau nam 2016.
+ Phan ding nhi'em yin cho cac thanh via Ban kiem soat trong thi Pian con
cüa nhibn 2012-2017.
+ Trien khai chuang trinh kiem tra giam sat dm Ban kiem soat trong quSi IV/2016.
2.3.2. Hoot Ong khac clia Ban kia'm sorit
- Tham gia cac hi nghi so ket, tOng ket va theo doi cac phong trao thi dua do Gong ty \fa cac Chi nhanh true thuOc th chirc phat dOng thi dua.
- Trinh bao cao tham dinh bao cao tai chinh, bao cao ket qua kinh doanh len DHDCD thuerng nien tai cuOc hop DHDCD thuong nien nam 2016.
- Kim tra tinh hop 1/, hop phap, tinh trung thuc va mirc dO can trong trong quan 1S/, dieu hanh hog dOng kinh doanh, trong cong tac ke toan, thong ke va lap bao cao tai chinh nam 2015.
- Tham dr th6ng qua cac bien ban kiem tra cüa doan kiem tra kiem toan nOi 130 nam 2016.
- T chirc kiem tra kiem soat cac hog Ong doi vi cac Chi nhanh truc thuOc Cong ty trong nam 2016.
- Tham gia cac buOi giao ban dm Cong ty d nam bat tinh hinh trien khai cong tac kinh doanh cua toan. Gong ty.
- PhM hop vá ket hop chat che voi Ban TOng Giam dc, cac phong nghiep vii Trk.i so chinh va cac Chi nhanh tut thuOc tong qua trinh kiem tra giam sat de hoan thanh nhi'em vu.
14
3. Cac giao dich, thu lao và cac khoan lçri ich cilia Hi d4ng quan tr.!, Ban TOng Giam dtoc NIA Ban kiem soat
3.1. Lirang, thscong, this lao, ccic khodn 4ri ich Dan vi: dn
TT II9 va ten Chtiv danh soc
thang Tien luvng nil Lao
I Hi dling quail tri 2.035.636.364 285.000.000
1 Dinh Viet Dag Chii tich HDQT
12 805.772.727
2 Hoang Thi Tinh Ph6 Chi" tich HDQT kiern
TGD 12 678.545.455
3 Le W Quan Thanh vien
ong chuyen trach 12 551.318.182
4 Dang Th6 Vinh Thanh vien 3 45.000.000
5 throng Van Thanh Thanh vien 12 180.000.000
6 Dang Van Ligu Thanh vien 5 60.000.000
11 Ban kiem soat 930.409.091 60.000.000 1 Mai Khanh Chung Trirong ban 8 288.000.000
2 Truang Dinh Canh Truong ban 4 175.909.091
3 Nguye-n Ngoc Kien Thanh vien
chuyen trach 12 466.500.000
4 Diu Thi Viet Hoa Thanh vien 12 60.000.000
III Ban dieu hanh 2.028.527.744 1 D'O' Minh Hoang Ph6 TGD 12 593.727.273 2 Mai Sinh Ph6 TGD 12 551.318.182
3 Nguygn Tin Hai Pho TGD 12 504.000.000
4 Quach I'd Khang Pho TGD 12 379.482.289
Tiing Ong 4.994.573.199 345.000.000
3.2. Giao dich ci phiêu cries n sr& nôi bô con
STT NguiYi ditty MO
giao dich Quan 14 vdi cif)
(long nOi hi)
SO cO phieu ABIC so.
him 31/12/2015
SO cophieu ABIC so.
him 31/12/2016
LS7do fang, giam (mua,
ban , - z. chuyen dm,
thuirng...)
1 Lim Thi Viet Hoa Thinh vien BKS 5.400 0 Ban
2 Tiln Ngoc Ttl'an Nguoi thv,c hien Congbo TT 368.000 340.900 Ban
TOng 373.400 340.900
3.2.1. Hop d'Ong hoc giao dich \Jai cO Tang* bC5 (Khong có) 3.2.2. Vic thix hien cac quy clinh .\,/& quan tri cong ty
15
VI. Bao cao tai chinh
1. Y kiên kim toan
Theo kin cüa chnng toi, bao cao tai chinh dã phan anh trung thqc và h9p ly, tren cac khia canh tr9ng yeu, tinh hinh tai chinh cüa Cong ty tai ngay 31 thang 12 nam 2016, ciing nhu ket qua hoat dOng kinh doanh va tinh hinh luu chuyen tin te cho nam tai chinh ket thlic cling ngay pith h9p vói cac Chuan nwc ke toan Viet Nam, Ch e d6 toan doanh nghiep Viet Nam, cac huang dan k toan áp dung di vOi doanh nghiep bao hiem va cac quy dinh phap 1' cc') lien quan den viec lap va trinh bay bao cao tai chinh.
Vein clJe kluic
Bao cao tài chinh cUa C6ng ty cho nam tai chinh kt thnc ngay 31 thang 12 nam 2015 clugc kiem toan bOi mOt cong ty kiem toan khac va cong ty kiem toan nay dã dua ra kin chap nhan toan phan doi va(i bao cao tai chinh noi tren trong Bao cao kiem toan ky ngdy 23 thang 3 nam 2016.
2. Bao cao tai chinh duvc kiêm toan
2.1. Bang can dill k toan Dan vi: D6n
Ma s6 TAI SAN Thuy6t minh
S6 cu6i nam S6 clau Liam
100 A. TAI SAN NGAN HAN 1.367.901.815.250 918.658.283.520
110 I. Tien va cac khoan twang (twang den 4 114.314.382.947 82.764.644.878
111 1. Ti&i 21.814.382.947 44.764.644.878
112 2. Cac khoan urang throng tin 92.500.000.000 38.000.000.000
120 II. Du tu• tai chinh ngiin hyn 5 1.023.056.541.700 633.725.291.700
123 1. Du tu n'am gill den ngdy clao han 1.023.056.541.700 633.725.291.700
130 III. Ccic khocin phiii Mu ngiin lign 6 60.674.776.343 68.383.898.430
131 1. Phal thu cna lchach hang 29.963.822.276 29.530.802.265
131.1 1.1. Filth thu v" hop deng bao hi'm 29.963.822.276 29.530.802.265
132 2. Tra truot cho ngtroi ban nga'n han 944.024.671 791.759.309
136 3. Phai thu nga.n han khac 34.902.590.606 42.750.455.756
137 4. Dv phong phai thu ngAn han kilo dot (5.135.661.210) (4.689.118.900)
140 IV. Hang tan kho 1.750.457.246 1.638.542.877
141 1. Hang t6n kho 1.750.457.246 1.638.542.877
150 V. Tai san ngiin Ilan kink 88.846.821.440 68.513.084.331
151 1. Chi phi tra truac ng.an ha.n 88.846.821.440 68.513.084.331
151.1 1.1. Chi phi hoa heng chua phan b' 7 88.787.289.622 68.513.084.331
151.2 1.2. Chi phi tra truer ngan lion lchac 59.531.818 -
190 VI. Tai sail tai bao hi'em 16.1 79.258.835.574 63.632.821.304
191 1. Dv phong phi nhvong tai bio hiem 24.106.789.083 26.222.178.235
192 2. Dv phong b6i thuong nhuong tai BH 55.152.046.491 37.410.643.069
200 B. TAI SAN DAI HAN 177.538.358.740 374.754.785.374
210 1. Cac khoan phai thu clai hp 6.260.262.630 6.240.968.670
216 1. Phai thu clai hp Ichac 6.260.262.630 6.240.968.670
216.1 1.1. KS, qu9 bao hi'm 8 6.000.000.000 6.000.000.000
216.2 1.2. Phai thu clai han khac 260.262.630 240.968.670
220 II. Tai san c6 clinh 132.435.443.315 134.508.815.821
221 1. Tai sari c6 clinh him hinh 9 70.189.204.048 72.721.598.562
16
222 - Nguyen gia 107.315.482.582 103.676.959.945 223 - Gia tri hao mon 1119 k6' (37.126.278.534) (30.955.361.383) 227 2. Tai san c6 dinh vo hinh 10 62.246.239.267 61.787.217.259
228 - Nguyen gia 65.298.744.887 63.938.089.433
229 - Gia tri hao mon 1u9 ke' (3.052.505.620) (2.150.872.174)
250 III. D'au tu tai chinh dai ban 35.000.058.302 228.000.058.302
255 1. 1D4su ta nAm giti. an ngdy dao han 5 35.000.058.302 228.000.058.302
260 IV. Ili san dai han khac 3.842.594.493 6.004.942.581
261 1. Chi phi tra truck dai han 11 3.842.594.493 6.004.942.581
270 TONG CONG TAI SAN (270 = 100 + 200)
1.545.440.173.990 1.293.413.068.89
4
Ma s6 NGUON VON Thuytt minh
S6 cu6i nam S6 dill nam
300 C. NO PHA! TRA 943.689.071.873 736.372.929.606 310 I. Nv ngiin hgn 943.684.071.873 736.367.929.606
311 1. Phai tra. nguoi ban ngAn han 12 48.436.343.529 47.407.501.311
311.1 1.1. Phai trci ve hop crdng bao hi6n 47.392.852.500 47.104.339.798
311.2 1.2. Phai tra khac cho nguleri ban 1.043.491.029 303.161.513
313 2. Thu6 \fa cac khoan phai nOp Nha ntrov 13 8.538.978.032 8.696.808.168
314 3. Phai tra nguoi lao d6ng 65.116.252.595 57.932.348.237
318.1 4. Doanh thu chua thuc hi'n ngAn han 3.510.180.724 1.807.473.949
318.2 5. Doanh thu hoa h6ng chua dugc huerng 15 5.953.398.721 6.811.898.273
319 6. Phali tra ngAn han khac 14 9.540.871.280 7.989.623.249
322 7. Qu9 khen thuOrng, pink loi 31.508.460.920 30.916.283.827
329 8. Du phong nghi0 vu 771.079.586.072 574.805.992.592
329.1 9.1. DP phi BH gjc va nhrcin tai BH 16.1.1 544.878.400.278 411.527.688.580
329.2 9.2. DP bai thuerng BH gac va 'than tai BH 16.1.2 162.957.710.043 110.459.619.718
329.3 9.3. Dv phong dao Ong lor 16.2 63.243.475.751 52.818.684.294
330 II. Arcr did lign 5.000.000 5.000.000
337 1. Phai tra dai han khac 5.000.000 5.000.000
400 D. VON CHIJ SO HiTh 601.751.102.117 557.040.139.288
410 I. Win cha so hfiu 17 601.751.102.117 557.040.139.288
411 1. V6n Co phAn 380.000.000.000 380.000.000.000
411a 1.1. C6 phle'u phO thong có quAi bldu quye't 380.000.000.000 380.000.000.000
412 2. ThAng du von c6 ph'an 12.000.000.000 12.000.000.000
415 3. C6 phieu qu9 (13.898.400.000) (13.898.400.000)
417 4. Qu9 d'au tu phat tri6sn 53.133.188.964 36.767.680.241
419 5. Qu9 d‘r tit bAt buOc 27.030.743.973 21.473.317.671
421 6. Lgi nhuan sau thu chua phan ph6i 143.485.569.180 120.697.541.376
421a 6.1. Lai nhuan sau thue chua phan phoi lily
.: • .t. ' ... , ke den cum' nam truac 32.337.043.135 42.879.208.319
421b 6.2. Lai nhuan sau thil diva phan ph di nam 11 ay
111.148.526.045 77.818.333.057
440 TONG CONG NGUON VON (440 = 300 + 400)
1.545.440.173.990 1.293.413.068.894
2.2. Bdo cdo két qua hoyt di)ng kinh doanh
Dan D'C')n
Mii sa CHI TIELT Thuyet minh
Mtn nay Nam trtrov
01 1. Doanh thu phi bao hiem (01 = 01.1 + 01.2 + 01.3) 18 958.174.204.764 740.616.376.286
17
Trong do:
01.1 - Phi bao hi'LigOc 1.086.529.127.840 784.451.781.752
01.2 - Phi nhan tai bac) hie'rn 18.2 4.995.788.622 40.351.256.799
01.3 - Tang dtr phong phi bao hie'rn g'Oc va nhan tai bao hie'm (133.350.711.698) (84.186.662.265)
02 2. Phi nhulyng tai bao hiem (02 = 02.1 + 02.2) 19 (51.161.159.851) (55.756.771.537)
Trong do:
02.1 - TOng phi nhtrcrng tai bac. hi 'e'm (49.045.770.699) (53.474.674.225)
02.2 - Tang dtr phong phi nhtrcrng tai bao hin-i (2.115.389.152) (2.282.097.312)
03 3. Doanh thu phi bao him thuAn (03 = 01 + 02) 907.013.044.913 684.859.604.749
04 4. Hoa hiing nhuvng tai bao hiem va doanh thu khac ho5t Ong kinh doanh bao hiem (04 = 04.1 + 04.2)
17.653.290.962 14.549.844.756
Trong do:
04.1 - Hoa hOng nhtrong tai bao hi&rn 20 12.977.227.349 14.536.644.756
04.2 - Doanh thu khac hoat Ong kinh doanh bao hi'm 4.676.063.613 13.200.000
10 5. Doanh thu thu'an ho5t dOng kinh doanh BH (10 = 03 + 04)
924.666.335.875 699.409.449.505
11 6. Chi biii thuifng (11 = 11.1 + 11.2) (247.383.657.707) (189.170.271.332)
Trong do:
11.1 - TOng chi b6'i Muting 21 (248.082.797.881) (193.382.869.952)
11.2 - Cac khoan giam nil. 699.140.174 4.212.598.620
12 7. Thu biii thuimg nhuvng tai bao hiem 2.010.175.891 10.029.755.069
13 8. Tang di, phong blii thirang bac) hiem gOc va nh5n tai bio hiem
(52.498.090.325) (21.587.791.152)
14 9. T5ng di) phong bt)i thu*ng nhuvng tai bao hiem 17.741.403.422 5.620.230.636
15 10. Tong chi bill thtrOng bao him (15 = 11 + 12 + 13 + 14)
(280.130.168.719) (195.108.076.779)
16 11. T5ng dty plying dao ding lern 16.2 (10.424.791.457) (7.713.283.641)
17 12. Chi phi khic ho5t dOng kinh doanh bao hiem (17 = 17.1 + 17.2)
22 (244.335.654.138) (182.253.877.007)
Trong do:
17.1 - Chi hoa hOng bao hie'm (157.449.613.575) (123.669.824.340)
17.2 - Chi phi khac hog Ong kinh doanh bao Iti'm (86.886.040.563) (58.584.052.667)
18 13. Tong chi phi ho5t Ong kinh doanh bao hiem (18 = 15 + 16 + 17)
(534.890.614.314) (385.075.237.427)
19 14. LiYi nhu5n Op ho5t Ong kinh doanh bao hiEm (19 = 10+ 18)
389.775.721.561 314.334.212.078
23 15. Doanh thu hot Ong tai chinh 23 63.114.972.269 47.524.269.244
24 16. Chi phi hoat Ong tai chinh 24 (90.874.287) (64.834.352)
25 17. Lgi nhu5n ho5t dOng tai chinh (25 = 23 + 24) 63.024.097.982 47.459.434.892
26 18. Chi phi quail 1.7doanh nghiEp 25 (314.648.827.047) (256.952.134.672)
30 19. Loyi nhu5n thuan tir ho5t gong kinh doanh (30 = 19 + 25 + 26)
138.150.992.496 104.841.512.298
31 20. Thu nhap khac 882.818.255 335.787.675
32 21. Chi phi khac (30.653.195) (95.487.072)
40 22. Lqi nhu5n khic (40 = 31 + 32) 852.165.060 240.300.603
50 23. TOng byi nhu5n ke toan trtarc thue (50 = 30 + 40) 139.003.157.556 105.081.812.901
51 24. Chi phi thu e",'"' TNDN hi ri hanh 26.1 (27.854.631.511) (23.254.269.288)
60 25. Lcli nhu5n sau thus thu nhcip doanh nghiEp (60 = 50+ 51 + 52)
111.148.526.045 81.827.543.613
70 26. Lai co • ban tren CO phieu 29 1.819 1.309
2.3. Bao ccio Itru cht0,-'e'n tr'en tê Dan
Ma so
CHi T1EU Thuyet mirth
N5in nay VND
Nam trulk VND
I. La': CHUYEN TIEN Tiff-10AT KING KINI-I DOANI-I
18
01 I. Ti8n thu tir ban hang, cling cap dich vp va doanh thu khac
1.123.318.581.495 808.191.087.663
02 2. Tien chi tra cho ngtrai cung cAp hang hoa va dich vv (594.819.779.518) (457.957.517.266
)
03 3. Tin chi tra cho ngagi lao deng (150.836.759.159) (99.779.835.801)
04 4. Thud thu nh0p doanh nghiep cla nep 13 (55.535.489.572) (55.773.970.087)
05 5. Ti8n thu khac tir hog Ong kinh doanh 381.555.698.164 398.623.562.579
06 6. Tin chi khac cho hoat dOng kinh doanh (438.682.506.245) (474.166.754.579
)
TVen thuAn tir hot dOng kinh doanh 264.999.745.165 119.136.572.509
II. LUt CHUYEN TIEN Tif HOAJ DONG DAU TV
21 1. Tien chi mua s'am tai san c6 dinh (4.999.178.091) (18.083.061.818)
23 2. Tien chi cho vay, mua cac cong cv ng dm dcm vi khac (379.700.000.000) (296.725.291.700
)
24 3. Tien thu hoi cho vay, ban 10i cac cong cv nor dm dun vi khac
144.500.000.000 98.500.000.000
27 4. Ti8n thu !al cho vay, Co tirc va lgi nhu0n clirgc chia 51.142.210.995 45.126.254.933
Tin thu'an sii• dung vao hot Ong du ttr (189.056.967.096) (171.182.098.585)
III. L'Ut CHUYEN TIEN TIir Haq DQNG TAI CHINH
36 1. CO tirc, lgi nhu0n dã tra cho chil ser hitu (44.393.040.000) (43.875.240.000)
TVen sir dung vac) hot Ong tai chinh (44.393.040.000) (43.875.240.000)
50 Ltru chuy6n tin thu'in trong nam (50 = 20 + 30 + 40) 31.549.738.069 (95.920.766.076)
60 Titn va ttrcrng duvng tin Au nam 82.764.644.878 178.685.410.954
70 Tin va ttrang cltrung tin cu6i nam (70 = 50 + 60) 4 114.314.382.947 82.764.644.878
NGU' I DIN THEO PHAP LOT Noi nhan: - Uy ban chUng khoan NN (d6 b/c); - SO GDCK Ha N",)i b/c),
- Cuc GSBH-BTC (d6 b/c); - Chu tich HDQT (c16 b/c);
- Trtreing Ban kirn sok (cle b/c); - Cac Pho TGD bi6t); - Luu TCHC, DTV.
TONG GIAM soc Yeethffty cg4 cr6d
19
