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- 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