CONG HOA XA H<)! CHU NGHiA VI"¢T NAMDQc l~p - Tu do - Hanh phuc

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BIEN BAN HQP D~I HOI DONG CO DONG THUONG NIEN NAM 2016TONG CONG TY BAo HIEM BIDV

I. THCn GIAN vA DJA DIEM

Horn nay, ngay 27 thang 04 nam 2016, phien hop thirong nien nam 2016 cuaDai hoi d6ng c6 dong T6ng Cong ty C6 phan Bao hiem Ngan hang D~u nr va PhMtrien Viet Nam (sau day goi la Dai hoi) t6 chirc:

- Vao luc: 9 gio 00 phut.

- Dia diem: H(>itnrong t~ng 21 Thap A, Vincom, 191 Ba Tri~u, Ha N(>i.

II. THANH PHAN THAM DT! D~I HOI

1. Ban t6 chirc Dai hoi.

2. Cac c6 dong va dai dien c6 dong.

3. Cac khach moi tham du Dai hoi.

III. TIEN HANH D~I HOI

1. Cac thu tuc:

- Ong Vfi Dire Thang - thay mat Ban t6 chirc:

y' Tuyen b6 ly do.

y' Gioi thieu dai bieu va cac thanh phan tham du Dai hoi.

y' Gioi thieu Ban kiem tra tu each c6 dong tham du Dai hoi.

- Ong Pham Bach - Truong ban kiem tra nr each c6 dong tham dir Dai h(>ibao cao k~t qua kiem tra nr each c6 dong:

D~n thai di~m b~t d~u Dai hci, t6ng s6 c6 dong va dai dien thee uy quyencua c6 dong tham du la 21 nguoi, t6ng s6 c6 phan tham du la 101.383.025 c6 phan,chiem 86,4% t6ng s6 c6 phan co quyen bieu quyet cua Cong ty. Dai h(>i du di~ukien ti~n hanh thee quy dinh cua Luat Doanh nghiep va Di~u 1~.

(Bien him him tra t14each c6 dong dinh kem)- Ong Vfi Dire Th~ng thay mat Ban t6 chirc d~ xuat s6 hrong thanh vien

Doan chu tich gom 03 nguoi, Ban thtr ky gom 02 nguoi va Ban ki~m phieu gorn t6ithieu 02 nguoi,

- Bieu quyet thong qua s6 hrong Doan chu tich, Ban thu ky, Ban kiem phieu:100% tan thanh.

- Ong Vii Dire Th~ng doc danh sach Doan chu tich do Ban t6 chirc gioithieu, bao gorn:

+ Ong Pham Quang Tung - Chu tich Hoi d6ng quan tri T6ng Cong ty Baohiem BIDV.

BICIBB hQP DHDCD thuong nien 2016 1/8

, + Ong Gobinath Athappan - Uy vien HQi d6ng quan tri T6ng Cong ty BaohiemBIDV. .

+ Ong Tdn Hoai An - Uy vien HQi d6ng quan tri, T6ng Giam d6c T6ngCong ty Bao hiSm BIDV.

- BiSu quyet thong qua danh sach Dean chu tich: 100% tan thanh.

- Ong Vii Dire Th~ng doc danh sach Ban thir ky do Ban t6 chirc gioi thieu,,gem:

+ Ong H6 Vi~t Anh - Truong ban Thir ky HQi d6ng quan tri T6ng Cong tyBao hiSm BIDV, Truong ban.

+ Bit Nguy~n Th] Thanh Tu - Truong phong, Ban DAu nr tai chinh, T6ngCong ty Bao hiem BIDV, Thanh vien.

- BiSu quyet thong qua danh sach Ban tlnr ky: 100% tan thanh.

- Ong Vii Dire Thang doc danh sach Ban kiem phieu do Ban t6 chirc gioithieu va d~ nghi Dai hQi gioi thieu, irng ctr them, gorn:

+ Bit Nguy~n Thi Thu Thiiy - Giam d6c Ban Quan ly rui ro, T6ng Cong tyBao hiem BIDV, Truong ban.

+ Ong Pharn Du'c Thuj n - Truong phong, Ban Quan ly rui ro, T6ng Congty Bao hiSm BIDV, Thanh vien.

- Cac c6 dong tham dir khong gioi thieu them thanh phAn Ban kiem phieu.

- BiSu quyet thong qua danh sach Ban kiSm phieu: 100% tan thanh.

2. Trinh bay cac noi dung chinh cua Dai hoi

2.1. Ong Phqm Quang Tung tliay milt Doim Chu tjeh trinh bay chuang trinb tamvije cua Da! hpi

- BiSu quyet thong qua chuang trinh him viec cua Dai hQi: 100% tan thanh.

2.2. Ong Tran Hoai An thay milt Doan Chu tich trinb bay cdc npi dung:

2.2.1. Bao cao kSt qua kinh doanh nam 2015

TT Chi tieu KH 2015 TH 2015 %HTKH

1 T6ng doanh thu phi bao hi~m 1.305.000 1.478.775 113,3%

2 Doanh thu phi bao hiern g6c 1.159.000 1.280.643 110,5%

3 LQ'inhuan tnroc thue rieng BIe 115.000 115.886 100,7%

4 LQ'inhuan tnroc thu€ hQ'Pnhih 147.000 156.860 106,7%

5 Ty l~ b6i thuong 40% 41,9%

2.2.2. KS hoach kinh doanh nam 2016:

- T6ng doanh thu phi bao hiem: 1.750 tY d6ng, trong do doanh thu phi baohiem g6c la 1.570 ty dong.

- LQ'inhuan tnroc thuS rieng BIC: 185 tY dong.

BlCIBB hop f)Hf)Cf) tlurong nien 2016 2/8

- LQ'inhuan tnroc thue hQ'Pnhk 230 tY d6ng.

2.2.3. Phe duyet quyet toan bao cao tai chinh, phirong an phan phoi loi nhuan sauthue, chi tra c6 tire nam 2015 va k~ hoach c6 tire 2016

- Phuong an phan ph6i loi nhuan nam 2015:

STT Chi tieu s6 tj~n (d)

1 LQ'j nhu~n sau thu~ nam 2015 93.155.362.939

2 Quy du tni b~t buoc (2 = 1 * 5%) 4.657.768.147

3 Quy khen thuong phuc IQ'i 16.000.000.000

4 Trich guy du phong tai chinh (5% IQ'inhuan sau thue) 4.657.768.147

5 LQ·j nhuan nam 2015 con lal (4=1-2-3) 67.839.826.645

- Ty l~ chia c6 nrc nam 2015: 6%.

- K~ hoach phan phoi loi nhuan va chi tra c6 tire nam 2016:

+ Trich Quy dii trii b~t buoc: 5% loi nhuan sau thue;

+ Trich Quy du phong tai chinh: 5% loi nhuan sau thue;

+ Trich Quy khen thirong phuc loi 2016: du ki~n mire trich l~p la 1,3 thangthu nhap binh quan, urong duong 20 tY d6ng;

+ Dir kien ty l~ c6 tire nam 2016: 8%. Mire C\! thS se trinh Dai hQi dong c6dong phe duyet tren co So' k~t qua kinh doanh va loi nhuan thuc t~ nam 2016.

2.3. Ong Pham Quang Tung thay m{ltDoan Chit tjch trinb bay cdc n~i dung:2.3.1. Bao cao heat dong cua HQi d6ng Quan tri nam 2015. Muc tieu, phironghuang heat dong nam 2016.

2.3.2. Bao cao k~t qua chi tra thu lao, phu cftp cho thanh vien HQi d6ng quan tri,Ban kiem scat nam 2015 va Thong qua k~ hoach chi tra thu lao, phu cftp cho thanhvien HQi dong quan tri, Ban kiem soat nam 2016.

- T6ng ngan sach thu lao, phu cftp cho HQi d6ng Quan tri, Ban Ki~m scatnam 2015, thee phe duyet cua Dai hQi d6ng c6 dong thuong nien nam 2015:579.433.373 d6ng.

- T6ng thu lao, phu cftp thuc t~ chi tra cho HQi d6ng Quan tri, Ban Ki~m soatcho nam 2015: 538.000.000 d6ng.

- Ngan sach thu lao, phu cftp cho HQi d6ng Quan tri, Ban KiSm scat nam2016: 0,35% loi nhuan tnroc thu~ nam 2016 (theo bao cao Utichinh rieng cua BIC).Phu cftp Ban Thir ky nam 2016: 2 trieu d6ng/nguai/phien hop.

2.3.3. Thong qua viec chuyen d6i mo hinh heat dQng sang Cong ty me-con va cacnoi dung lien quan

HQi d6ng Quan tri trinh DHDCD phe duyet chuyen d6i T6ng Cong ty Baohiem BIDV hien nay thanh mo hinh Cong ty me - con va uy quyen HDQT BIC pheduyet cac nQi dung chi ti~t lien quan ct~n viec chuyen d6i nay, bao g6m nhungkh6ng gioi han: (1) Phe duyet, t6 chirc thirc hien phirong an chuyen d6i T6ng C6ngty Bao hi~m BIDV thanh Cong ty me hoat dQng thee Luat doanh nghiep voi ten goi

BICIBB hop DHDCD thuong nien 2016 3/8

du kien la Cong ty C6 phan Tai chinh Bao hiem BIDV, (2) Quyet dinh thanh l~p vaquyet dinh quy mo v6n cua Cong ty con voi ten goi du kien la Cong ty TNHHMTV Bao hiem BIDV va cac cong ty con, cong ty lien k~t phu hop voi cac quydinh cua phap luat va Dieu l~ T6ng Cong ty, (3) Chu dong quyet dinh, sua d6i tengoi cua Cong ty me va Cong ty con n~u dn thi~t, (4) Thirc hien cac thu tuc lienquan sua d6i DiSu I~, xin phep cac dp co th~m quyen thee quy dinh phap luat.

2.4. Ong Cao C~ Tri - Truong Ban Kiim sodt trinh bay Bdo cdo hoat dvng cuaBan Kiim sodt niim 2015, tham djnh bdo cdo tai chinh 2015, muc tieu, phuanghutmg hoat dvng niim 2016.

3. Thao luan va bi~u guy~t thong qua cac noi dung cua Dai hoi

3.1. Y kiin thii:o iuiin

3.1.1. Ong Dew Minh Tuan - dai dien cho Cong tv cd phlin Tai Viet (Mil cd dong:050816454):

- BIC d~t k~ hoach loi nhuan nam 2016 la 230 ty d6ng IQ'inhan tnroc thuehop nh~t - tang tnrong toi gfin 47% so voi nam 2015. Cung voi do la dinh huongd~y manh phat triSn ban le, viec nay se co thS lam tang ty l~ b6i thuong. T6ngCong ty da tinh d~n nguy co nay chira va co bien phap gi dS kiem soat tY l~ b6ithirong?

- DS nghi lam r5 tY l~ sa htru hien tai cua BIC tai CVI va c~p nh~t ti~n d9nhan chuyen nhirong cua BIC tai CVI.

- DS nghi lam r5 viec quan Iy von tai Cong ty me khi BIC chuyen d6i thanhmo hinh Holdings.

- BIC dinh hirong se vao Top 5 thi tnrong. BIC co nhtrng giai phap hay loith~ canh tranh nao dS thirc hien muc tieu nay?

Tra lo'i cila Do an Chil tich Dai hoi:

Ong Pham Quang Tung - Chu tich HDQT:

- Viec nhan chuyen nhu'!I1g v6n ~op tai CVI da diroc B~C bao cao DHDCDcac nam gan day. Do vuong mac mot so thu tuc phap Iy nen van chua hoan thanh.D~n thai diSm hien tai, B9 Tai chinh C!3.co van ban d6ng y va BIC dang phoi hopvoi ben chuyen nhirong xin phe duyet cua B9 K~ hoach Dfiu ill. Thirc t~, BIC dflducc uy quyen quan ly toan dien hoat dong cua CVI tir khi cong ty nay diroc thanhl~p vao narn 2009. Sau khi thu tuc chuyen nhirong hoan t~t, BIC se sa htru 51%von tai CVI. Ngoai BIC, CVI con co 01 co dong Ion ntra thuoc T~p dean CanadiaGroup (don vi sa hiru ngan hang Canadia Bank) dang nam giu 29% von, r~t thuanloi cho vi~c h6 tro, thuc d~y heat dong kinh doanh cua CVI.

- Viec chuyen d6i md hinh Cong ty me - con dfl duoc trinh bay r5 tai Daihoi, Cong ty me sau khi thanh I~p se k~ thira toan b9 cac quyen va IQ'iich hop phapcua T6ng Cong ty Bao hiSm BIDV tnroc do, tnr cac quyen nghia VI) va loi ich hopphap lien quan dSn heat dong kinh doanh bao hiSm se chuyen giao cho Cong tyTNHH MTV Bao hiem BIC. Cong ty :1'.( se quan ly toan b9 nguon v6n huy dong nrc6 dong va thuc hien chirc nang d~1Jr•..r V611vi cac cong ty con. Cong ty Me se xemxet phan b6 von phu hop cho cac cong ty con tren nguyen t~c hieu qua va kha nangsinh loi d€ d€ dam bao hieu qua heat dong chung toan h~ thong,

BlCIBB hQP DHDCD thuimg nien 2016 4/8

BICIBB hQP DHDCD thuong nien 2016 5/8

- VS muc tieu lot vao Top 5 d.Jn,.!ll nghiep bao hiSm phi nhan tho vS thi phan.Tir nam 2010, BIC dll dieu chinh chien hroc khong tang thi phan bing moi gia machi tan~ tnrong khi kiSm soat diroc rui ro va d~t muc tieu hieu qua kinh doanh }enhang dau. Muc tieu Top 5 luon la mong iroc cua BIC nhung chung toi cho rangBIC khong nh~t phai dat muc tieu nay bing moi gia, d~c biet khi kinh doanh linhV\IC bao hiem - kinh doanh rui roo BIC dang t~p trung triSn khai du an h6 tro kythuat voi Nha d~u ill chien luoc dS cai tien mo hinh kinh doanh va each thirc cungdp dich vu dS nang cao nang su~t lao dong, nang cao nang lire canh tranh, qua dotang thi ph~n bSn vfrng va hieu qua.

- Ngoai ra, BIC dang n6 hrc tiSp c?n cac chuan mire quoc tS trong quan tridiSu hanh thong qua: thuc hien dinh hang tin nhiem quoc tS; ap dung cac tieu chuanan toan tai chinh tien tien hon; l?p, danh gia va thuc hien kiem toan bao cao taichinh theo cac chuan mire quoc tS (IFRS), ...

Ong TriznHoai An - Thanh vien HDQT hem T6ng Giam d6c:

- KS hoach loi nhuan hop nhat nam 2016 BIC dang d~t ra la 230 ty d6ng baogom ca Ioi nhuan tang them ill hoat dQng d~u ill tai chinh sau khi tang v6n qua phathanh cho c6 dong chien lucc. Hien tai, BIC dang lam viec voi Fairfax dS xay dungdanh muc d~u ill phu hop, hieu qua.

- D6i voi kenh ban Ie, mac du co thS chi phi va ty l~ b6i thuong cao hennhimg co dong tiSn 6n dinh, phan tan rui ro, la co sa phat trien ben vfrng. BIC dathirc hien tinh toan hieu qua cho nrng nhorn san pham, kenh phan ph6i dS diSu hanhtang tnrong va co bien phap quan 1;' rui ro phu hop, dam bao kiem soat va giam tyl~ chi phi k~t hop. Chung toi kiem soat ch~t che viec dp don cac dong san pham cotY l~ b6i thirong cao.

3.1.2.Ba Nguyen HoangBao Le - Mil c6 dong 183641755

- DS nghi c~p nhat tinh hinh heat dQng cua Cong ty Lien doanh Bao hiernLao Viet (LVI), Cong ty Bao hiern Cambodia Viet Nam (CVI) va dong gop cuaLVI vao kSt qua chung cua BIC.

Tra loi cua ong Pham Quang Tung - Chu ticli HDQT BIC:

- Trong k~t qua hop nh~t bao cao tai chinh cua BIC, doanh thu va loi nhuancua LVI chiern khoang 25% k~t qua chung cua BIC. LVI dang co thi phan dungthir 2 tai thi tnrong Lao, ROE cac nam g~n day luon dat a rmrc 22-23%. Tai Lao,LVI dung d~u vS bao hiSm hang khong, r~t co thS manh trong viec bao hiSm cac duan thuy dien, ha t~ng va da gay dung diroc h~ thong mang hroi t~t ca cac tinh thanhcua Lao dS co thS d~y manh hon nfra mang kinh doanh ban le,

- Tai Campuchia, CVI co thi phan dirng cung vi tri thir 4 voi 1 cong ty khactren tong s6 8 cong ty bao hiSm phi nhan tho dang hoat dQng. CVI la nha bao hiemhang khong Ian nhat tai thi truong nay va dinh huang t~p trung vao nhom khachhang doanh nghiep, t6 clnrc. VS mang ban Ie, CVI t?P trung chu ySu qua kenhbancas tren co sa hop tac voi ngan hang thuoc nhom c6 dong va d6i taco

3.2. Kit qua biiu quyit

3.2.1. vi kit qua kink doanh flam 2015:Kit qua biiu quyit:

- Tong s6 phieu bin thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiem 100% s6 c6 phan bi€u quyet dir hop;

- T6ng s6 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chi€m0% s6 c6 phan bi€u quyet du hop;

- T6ng s6 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phan bieu quyet du hop.

3.2.2. vJ ki hoqck kinh doanh niim 2016:

K~t qua bi~u quy~t:

T6ng s6 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiern 100% s6 c6 phan bi€u quyet du hop;

- T6ng s6 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phdn bi€u quyet du hop;

- T6ng s6 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phan bi€u quyet du hop;

3.2.3. vJ vifC phe dUYft quyit todn bdo cdo tai chinh

K~t qua bdu quy~t:

T6ng s6 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiem 100% s6 c6 phan bieu quyet du hop;

- T6ng s6 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phan bieu quyet dir hop;

- T6ng s6 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiern0% s6 c6 phan bi€u quyet du hop.

3.2.4. Phuong an phiin ph8i loi nhu~n sau thui, chi tra c8 tuc niim 2015

K~t qua bi~u quy~t:

T6ng s6 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chi€m 100% s6 c6 phan bieu quyet du hop;

- T6ng s6 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiern0% s6 c6 phan bieu quyet dir hop;

- T6ng s6 phieu kh6ng co y kien: 0 phieu; dai dien cho 0 c6 phan, chi€m0% s6 c6 phan bi€u quyet du hop.

3.2.5. Ki hoacb phiin ph8i lr;i nhu~n va c8 tuc 2016

K~t qua bdu quy~t:

T6ng s6 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 ph~n,chiem 100% s6 c6 phan bieu quyet dir hop;

- T6ng s6 phieu kh6ng tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phan bieu quyet dtr hop;

- T6ng s6 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% s6 c6 phan bi~u quyet dir hop.

BICfBB hQP DHDCD thuimg nien 2016 6/8

t:

3.2.6. Bdo cdo hoat i/{Jng cua Jl{Ji mjng Quan tri niim 2015, muc tieu, phuonghU'ung hOf!t i/{Jng niim 2016

Kit qua biiu quyit:- T6ng 86 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,

chiem 100% 86 c6 phan bieu quyet du hQP;

- T6ng 86 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan bieu quyet du hQP;

- T6ng 86 phieu kh6ng co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 ph fin bi~u quyet d',r hQP.

3.2.7. Bao cdo hoat i/{Jng ciia Ban Kiim sodt niim 2015, muc tieu, phutmg hutrnghoat i/{Jng niim 2016

Kit qua biiu quyit:T6ng 86 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiem 100% 86 c6 phan bieu quyet du hop;

- T6ng 86 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phfin, chiSm0% 86 c6 phan bi~u quyet du hop;

- T6ng 86 phieu khong co y kiSn: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan bieu quyet du hQP.

3.2.8. Thong qua kit qua chi tra thu lao, phu cap H{Ji i/ang Quan tri, Ban Kiimsodt niim 2015

Kit qua biiu quyit:- T6ng 86 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,

chiem 100% 86 c6 ph~n bieu quyet du hop;

- T6ng 86 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan bi~u quyet du hQP;

- T6ng 86 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phdn, chiSm0% 86 c6 phan bieu quyet du hQP.

3.2.9. Thong qua ki hoacl« this lao, ph!! cap H{Ji i/ang Quan tri; Ban Kiim SOatniim 2016

Kit qua biiu quyit:

T6ng 86 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiem 100% 86 c6 phan bieu quyet du hQP;

- T6ng 86 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan biSu quyet du hQP;

- T6ng 86 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 ph~n bieu quyet du hQP.

3.2.10. Thong qua vifC chuyin ilJi mo binb hoat i/{Jng sang Ciing ty me-con vacdc n{Ji dung lien quan

Kit qua biiu quyit:

BICIBB hQP£>H£>C£>thuong nien 2016 7/8

- T6ng 86 phieu tan thanh: 21 phieu; dai dien cho 101.383.025 c6 phan,chiem 100% 86 c6 phfin bieu quyet du hQP;

- T6ng 86 phieu khong tan thanh: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan bi~u quyet dtr hop;

- T6ng 86 phieu khong co y kien: 0 phieu; dai dien cho 0 c6 phan, chiem0% 86 c6 phan bieu quyet du hop.

Bien ban nay va du thao Nghi quyet Dai hQi duoc Ban thir ky Dai hQi ghi laidfiy du, trung thuc, doc lai toan bQ nQi dung tnroc Dai hQi, duoc l?p bang ca TiSngAnh va TiSng Viet va duoc 100% c6 dong va dai dien c6 dong tham du Dai hQinh~t tri thong qua.

Dai hoi kSt thuc vao h6i 11 gio 00 phut cung ngay.

TM. ThO'ky D~i hQi

BICfBB hQP f)Hf)Cf) thuong nien 2016 8/8