CONG TY CO PHAN BAO HIEM NGAN HANG MING NGHItP

(BCTT theo Min Phu Ivc s6 04- TT 155)

CONG HOA XA HO' CHU NGHTA VqT NAM Date lap - Tv do - Hanh phiic

s6AAG.T.72020/BC-ABIC-DT Ha Noi, ngay 25 thang 03 nam 2020

BAO CAO THU'UNG MEN Ten Cling ty: Cling 0) Co' phial Bdo hiJm Ngan hang Nang nghiep

Nam bao cao: 2019

I. Thong tin chung 1. Thong tin khai gnat

Ten tieng viet: Cong ty Ca phan Bao him Ngan hang Ming nghiep Ten giao dich: Bao him Agribank

- Ten vi6t tat: ABIC

Giay chUng nhan kinh doanh s6: Gidy phep dieu chinh gan nhAt s6: 38GP/GPDC4/KDBH do BO TM chinh cap ngay 07/01/2015.

V6n dieu le': 380.000.000.000 deng

Dia chi: Tang 6 nha 29T1, throng Hoang Dao Thay - Cu Giay- HA NOi S6 din thoai: 0246.2990.055

- S6 Fax: 0246.2580.055 - Website: Abic.com.vn

ma ce phieu: ABI Cong,ty C6 phan Ba.o him Ngan hang Nang nghiep (ABIC) dugc thanh lap theo

giAy phep s6: 38GP/KDBH do BO TM chinh cap ngay 18/10/2006, Clang ty chinh thirc khai truang hoat dOng ngay 08/08/2007. Tit nam 2009 den 2019 Cong ty luon dat t6c dO tang trueng doanh thu phi bao hiem cao han mat tang truemg binh quan ten thi truang. Nam 2012, sau 5 nam thanh lap, C6ng ty da dat doanh thu phi bao hiem 448,9 ty thing. Ngay 06/12/2016, Cong ty cid dat m6c 1.000 ty deng doanh thu phi bao hiem.

KM fink nam tai chinh nam 2019 C6ng ty dat doanh thu phi bao him g6c 1.742,5 tY dOng, lgi nhuan trutc thue 303,3 tY clang.

2. NgInh nghe vl dia ban kinh doanh Nganh nghe kinh doanh: Kinh doanh BA° hiem phi nhan thg; Du tu tai chinh va

nganh nee kinh doanh khac theo quy dinh cna pith!) luat. - Dia ban kinh doanh: C8ng ty dugc phep hoat dOng trong va ngoai nu& theo quy

dinh phap luat.

3. Thong tin yemô hinh quan tri, tO chat kinh doanh va b0 may quan 13'7 ABIC t6 chuc quart tri kinh doanh theo me, hinh cUa C6ng ty c6 phAn, ccr cAu t6

chirc va mang firai kinh doanh cüa Gang ty Mar sau:

3.1. Ca cu tJ chie c ctia Cling ty Dal hOi deng c4 don?: Dai hOi deng c6 &Ong la ca quan có tham quyen cao nhat

oda Cong ty. Dal hei dong co dong guy& dinh to chdc lai va giai the Clang ty, quyet dinh dinh Sang phat trien, 136 nhiem, min nhiem thanh vien HDQT, Ban lciem sok.

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,H(ii tiling Tian tri: 110i d6ng quan tri la ca quan c6 day dü quyen han de that hien tat ca cac quyen nhan danh Cong,ty trey nhcmg tham quyen thuOc ye Dai hOi dong c6 dong. HOi thing quan tri do Dai hOi (Tong c6 (tong bau ra. HOi doting quan tri cUa Cong ty g6m 6 thanh \nen (danh sach cac thanh \den HDQT tai mac V. Quail hi Cling ty).

, Ban kiem soat: Ban kiem sok do Dai hOi (long c8 dong ban ra, la to eh& thay mat co,dong de kiem sok m9i hoat dOng kinh doanh, quail tri ya diet' hanh ctia C8ng ty. Ban kiem soat cua C6ng ty Om 3 thanh yien (danh sach Ban kiem soft tai mac V. Quin tri Cling ty).

, Ban Tiong giant cltc: Ban T6ng, giam dac bao g6m 'Ring giam d6c va cac Ph6 Tong giam doe do HDQT quyet di/1h b6 nhiem, mien nhiem. Danh sach Ban T6ng giam di& tai diem 2. Myc II.

Cac Phong Ban Cong ty: Ban }Clem tra kiem sok noi b0;

- Ban Quan ly rUi ro; PhOng BH Tai san Icy thuat;

- Phang BH Hang hai; Ph6ng BH Phi Hang hai;

- Phong Tai bao hiem; Phong Quan IY dai 19 ya PTHT; Ph6ng Giam dinh bOi thuerng;

- Pheng Ke toan -Tai chinh; - Phong Dau fix v6n; - Phong TO chuc hanh chinh; - Phong Thu ky Phap che;

Pitting C6ng nghe thong tin; Phong Kinh doanh.

3.2. Mang Itcoi hop' ding ciia Cling ty 3.2.1 Try so. chinh ABIC

Dia chi: Tdng 6 nhith 29T1, throng Hodng Logo Pithy - Trung [Ida - Cdu Gidy - Ho NOi Dien thogi: 0246.2990.055 - Fax: 0246.2580.055

3.2.2 Chi nhanh ABIC TP H6 Chi Mirth Dia chi: 38 Phan Ring lieu - Phudwg 5 - Quart Phu Nhuan - TP HCM

- Dien thogi: 0283.8249.797 - Fax: 0283.8249.855 3.2.3 Chi nhanh ABIC Ha NOi

Dia chi: Tang 3- 343 DO Cdn - Ba Dinh - Hci NOi. - Dien thogi: 0243.7622.555 - Fax: 0243.7622.055 3.2.4 Chi nhanh ABIC EM Nang, -13/a chi: So I Tang Phut PhO - Qu Hai Chdu - TP N rcing - Dien thogi: 0236.3699.222 - Fax: 02363699.224 3.2.5 Chi nhanh ABIC Nghe An - Dia chi: SO 371A Nguyen Vein Cif - TP Vinh - Nghe An - Dien thogi: 0238.3833.366 - Fax: 0238.3837.766 3.2.6 Chi nhanh ABIC Dac Laic - Dia chi: So 06 Trdn Hitu Atm - Plurenig Thin Zvi - TP Buon Ma Thu& - Lcik - Dien thogi: 0262.3957.695 - Fax: 0262.3926.567 3.2.7 Chi nharth ABIC Hai PhOng

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- Dia chi: T6 sa 62-64 Ton Dire Thang - U Chan - Hai Phong Di en thogi: 0255.3637.555 - Fax: 0255.3719.555

3.2.8 Chi nhanh ABIC Khanh Hoa - Dia chi: SO 45 Lam San, Phtrong Phut Haa, TP 1Vha Trang, Khcinh Hoa.

Dien thogi: 0258.3510.066 - Fax: 0258.3510.077 3.2.9 Chi nhanh ABIC CAn Tha - Dia chi: So 481 throng 30/4, Phtrang Hung Lgi, Quan Ninh Kiêu, Can Tha

Dien thogi: 0292.3782.266 - Fax: 0292.3782.288 3.2.10 Chi nhanh ABIC Thanh 1-16a. - Dia chi: Tang 2 11 Phan Chu Chinh - Phuring Dien Bien - TP Thanh Hoa - Thanh 116a

Dien thogi: 0237.3718.456 - Fax: 0237.3717.718 3.2.11 Chi nhanh ABIC Phe Tho - Dia chi: SO 1674 dgi1a Hang Vtrang - Hwang Gia Cam - TP Viet Tri - Phth Th9

Dien thogi: 0210.3818.528 Fax: 0210.3818.529

4. Dinh hinkng Oat hien 4.1. vdpittit trian san plant dich vy:

V'e kenh phan phei bao him qua ngan hang: ABIC dat nitic tiéu tra thanh doanh nghiep bao hiem có mo hinh kenh phan phoi bao him qua ngan hang voi vi the hang dau tren thi truang bao him Viet Nam.

Th6ng qua cae Hen phap nghiep vo bao hiern, ABIC tich cot g6p phAn giam thieu rei ro, ten thAt ye v6n vá tai san cüa Agribank dac bit la khu voc ming nghie'p, nong thon.

- G6p phAn da dang hOa san pham kinh doanh, tang ngu6n thu nhAp dich vu tha heth6ng Agribank th6ng qua boat dOng Dich vo Dai ly BAo him.

- Hinh thanh kenh buy Ong von thleang xuyen, có tinh on dinh cüa Agribank thong qua nguen phi bao him thu duce ABIC.

- Ve‘ san pham: That trien cac san pham bao hiem lien ket yeti cac san pham Ngan hang d khai thac t6i da tiern na'ng cea Agribank; danh nguen lire hop lY phei hop nha Tai bao hiem quific te pith trien cac san pham bao hiem Wing nghiep bao ve van tin ding elm Agribank plow vi thu voc Wing nghiep, tieing then va nong dan.

4.2. 14 Itteu qud kinh doanh:

- Ngoai viec dap 1mg ca ban the chi tieu do Wang, danh gia vá x 'ep loai cüa Bo Tai chinh, ABIC xay dong cac chi tieu danh gia boat dOng theo nhom nghiep vii doi yeti teng dun vi lam ea sà cho ding the quan tri va diu hanh.

- Ve doanh thu, ABIC phAn dAu duy tri tee de tang tuang binh quan te 10-15%/na'm. - Ve Igi nhuan, phAn dAu tang traang thing binh te 3-10%/nam. - Ve c6 tat, dam bao ty I ngang bang \raj mire chi tra elm thi traang bao hiem

(khoang 10-14%/nam/1 e6 phAn). 4.3. Vid na ng lyr cynh tranh: Duy tri trong nit 10 doanh nghiep bao him kinh

doanh co hieu qua.

4.4. N qudn trj rid ro: Dam,bao, the hoat citing ducc,danh gia, kiem soat thuang xuyen bang quy trinh, de can b0 de kiem tra; thoc hien kiem soat tü xa; xay dong he thong danh gia rei ro nei be theo tang mang nghiep vo; !fang cao tinh than thu noi b0.

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4.5. Qur'an tri edit hank

- On dinh v t6 chirc, dieu chinh lai mo hinh t6 chirc tai Tin sâ chinh va Chi nhanh theo huong it gay 'cat) trOn; tach co/1g tac khai thac kh6i b6i thuOng; tach using tac quan I nghiep vii To khOi kinh doanh, tn,rc tiep; dam bao minh bach va kiem sok dugc riM ro; ap citing ciugc cac quy trinh chuan tCr khai thác, bed thuang, tai bao hiem.

- Dam baO Try set chinh c6 kha nang giant sat hoat Ong Mt daci veri Chi nhanh; ban hanh day do cac co che quy the nOi b0, phan cap phan quyen hop ly phâ hop veri nang lye dieu hanh cita timg chi nhanh ten co set danh gia hang nam.

- Thgc hien phan cAp phan quyen cho cac dun vi theo nhorn nghiep vy theo nang hit quan tang Chi nhanh. Cac tieu chi danh gia së dugc xem xet lai khi ktt thac nam tai chinh, lam co so cho viec phan cap va giao ke hooch kinh doanh nam tiep theo.

- Kien toan dii nhan sir cac cdp tir Ban dieu hanh den cac phong, ban nghiep vy cre' dap ung you cau phat trien.

4.6. 14 IN trirong Mach hang: ABIC trey thanh doanh nghiep di d'au trong phat tri'en hoat Ong kinh, doanh vao khu vizir /tong nghiep, nOng,thon. Phan dau, duy tri thuong xuyen dr 2 den 3 trieu ho noting dan dugc ban hiem gan v6i hoat dong cap tin dung cho khu vvc tieing nghiep, tieing than ciia Agribank.

5. Cac rid ro

Cong ty khai thac cac hop ding bao him phi nhan th9 nhu bao hiem hang h6a van chuyen, bao him tau thily, bao him k thuat, bao him haa hoan, bao him y nguyen va bao him con ngued, bao him trach nhiem chung va bao him xe cu glad. Phan 16n cac riM ro trong cac hop dang ban hiem phi nhan th9 thuong dugc bdo him trong thed hart 12 thang.

Cong ty phi" chiu rai ro tich lay phy thuOc vao tinh hinh phat trien kinh t6 ctia Viet Nam va clang v,n ciAu hi nu& ngoai trong san xuat va bat dOng san dc bit la tai cac trung tam kinh t'e lon nhu thanh pha Ha Chi Minh, Ha N0i, Hai Ph6ng va Da Nang.

D6i vai cac hop &Ping bao him phi nhan th9, riM ro tong yeu /Alai sinh tir thay dai moi tnrang va them hoa. then nhien. Viet Nam da phai chiu Mn that 16n nhu bao nhiet ded, 111 sang, mtra bao va 10 dAt. Bao nhiet dOi chr kien se anh huong thuang xuyen den Viet Nam ved mut dO nghiem trong ngay cang cao va Mn that dugc bao him ngay cang len De dua ra nhang bien phap giam thieu riM ro, Cong ty da thu xep cac hop dang tai bao him lien quan den the loai hinh bao hiem tai san, xe co giori, van chuyen hang Itha va tau thily, danh bat cá de han che cac Mn that do tham hoa gay ra nham t6i thieu hoa phan rai no gift lai cUa Cong ty.

Cong ty cling ap dung mire tech nhiem toi da doi ved met sa hop dong cy the, cling nhu thu x6p tai bao him de Ilan che riM no vOl cac sy kin tham hoa (vi dy nhu thiet hai do bac), Ili). Muc dich cita cac chin lugc cap dun va tai bao him la de giam rili no v6i cac tham h9a dira ten do thich img riM no elm C6ng ty dugc guy& dinh bed Ban Tang Giam (Mc. Ban Tang Giant Dc c6 the quy'et dinh tang hay giam kha nang chiu dyng t6i da dim tren cac dieu Icien thi tniOng va cac 'Than t6 khac.enfr

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Ve rid ro tai chinh: Toan 1-30 danh muc clau tit tien giri,cna °Ong ty c6 lAi suit c6 dinh do vay Cong ty khong c6 rQi ro ve thay doi !Ai silk Phan Ian cac tai san tai chinh cüa Cong ty la bang VND da giap giam thieu rin ro ve gia ngogi te.

II. Tinh hinh boat Ong trong nam 1. Tinh hinh hot Ong san xuAt kinh doanh

TT Chi nen Thyt hien 2018

' KR 2019 Thyt hien 2019

TL Min thanh KR

Tang truing

Gig tri ts7 le

V Doanh thu ban hang 1.509.960 1.691.155 1.863.782 110,2% 353.822 23,4% 1 Doanh thu phi BH glic 1.413.431 1.583.043 1.742.511 110,1% 329.080 23,3%

2 Doanh thu dAu tu TC 96.529 108.112 121.271 112,2% 24.742 25,6%

II/ Lui nhuAn tnrerc thua 214.806 229.566 303.171 132,1% 88.365 41,1% III/ Co tire 12% 12%

Nam 2019 ABIC da cry ban hoan thanh cac ch lieu ke hoach do DHDCD thuerng nien 2019 giao. Cu the: Doanh thu phi bao hiem gific dat 1.742.511 trie'u d6ng, tang truarng 23,3% so vori naim 2018, hoan thanh 110,1% Ice hoach; Doanh thu diu tu tai chinh thgc hien 121.271 trieu &ling, tang tnrang 25,6% so vol nam 2018, hoan thanh 112,2% ke hoach;

Lori nhuan fru& thue dux hien 303.171 trieu ding tang trtremg 41,1% so veti 2018, hoar} thanh 132,1% ke hoach.

2. TO chat rya nhan sus

2.1. Danh sach, torn tilt 11 4th vti 03 le se hill, cJphn cá nhan ola Ban dMu hanh:

TT HQ ya ten Chat danh Ghi chti TY le so' hat CP (%)

1 Hoang Thi Tinh Teng Giam dc Nghi huu theo che dO tir ngay 01/06/2019 0,11

2 Nguyen Tien Hai TOng Giam &c 0,16 B6 nhiem Teng giam

doe ke it ngay 01/06/2019 3 DO Minh Hang Ph6 T6ng giam d6c 0,18 4 Mai Sinh Ph6 Ping giam d6c 0,11 5 Quach Ta Khang Ph6 Ping giam d6c 0,09

T6m tit lY lich ban dieu hanh:

2.1.1 Ong Nguyen Tien Hai - Tang giant die Ngay thang nam sinh: 12/08/1975

- Trinh dO chuyen mon: Thac s Luit kinh t6 va quail 1Y chuyen nganh tai chinh, ngan hang, bao hiem

Trinh de ngoai Tieng Anh trinh dO C Qua trinh cong tac: 42"

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Tir 1997 den 4/1998: Can b0 Cong ty phan mm ke toan - Gong ty Bao Viet Ba Rja -VüngTâu;

1Cr 5/1998 den 9/1998: Can b0 Ph6ng giam dinh - Ging ty Bao hiem Nha Rang (Chi nhanh Ha NOi);

Tit 10/1998 den 12/2002: Can be: Phong ke toan, Phong Kinh doanh C6ng ty Bap Minh Ha NOi;

TU. 01/2003 den 10/2006: Phu bid phong Kinh doanh Bao hiam PJICO; Tit 11/2006 den 7/2007: Tnrang ph6ng Tai san - Bao Minh Than Long; TCr 25/7/2007 den 23/9/2012: Twang Phong Tai san k thuat ABIC; Tir 24/9/2012 den 30/6/2014: Giam dac Chi nhanh Ha NOi thuOc ABIC; Tir 01/7/2014 den 31/05/2019: Pho Tang Giam dac ABIC;

+ Tir 01/06/2019 den nay: Tang Giam dac ABIC.

2.1.2 Ong nil Minh HoIng- Ph6 Tiing giAm thic Ngay thang nam sinh: 01/08/1966 ,

- Trinh do chuyen m6n: Thac s9 kinh te chuyen nganh Tai chinh - Ngan hang Bao hiem; Ca nhan Luat; Kiem than vien nha nuore, chimg chi ciao tao cac nha lanh ciao DNBH,

Trinh do ngoai Tieng Anh trinh dO B. , - Chirc Iry c8ng tac hien nay: PM Tang giam doc ABIC. - Kinh nghiem cong tac:

Tir 1990 den 1994: TP Bao hiem Sec San - Bao hiem Ha NOi; + Tir 1994 den 1996: TP Bao hiem Hai BA Thing - Bao Viet Ha NOi;

Tir 1996 den 1997: Ph6 phOng Bao hiem Phi Hang Hai - Bao Mirth Ha NOi; Tit 1997 den 1998: Twang dai din Chi nhanh Bao Minh Hai Throng;

+ Tir 1998 den 2000: Pho ph6ng Phi Hang Hai - Bao Minh Ha NOi; + Tit 2000 den 2004: Truerng phong khu vvc 8 - Bao Minh Ha NOi; + Tit 2004 den 2006: Kiem toan vien Nha ntrac - CQ kiem toan Nha flute;

'Fa 5/2006 den 5/2007: Chuyen vien Ban tra bi thanh lap ABIC; + tir 5/2007 den 18/05/2010: Quyen Tang giam doe ABIC; + Tit 18/05/2010 den nay: Pho Tong giám dac ABIC.

2.1.3 Ong QuAch TA Khang - Ph6 Tong giam thic - Ngay thang Mm sinh: 06/06/1964. , - Trinh do chuyen mon: K9 six kinh te van tai sang, cao cap ly luan chinh tri. - Trinh do ngoai ngit:. Tieng Anh trinh do B. - Kinh nghiem cong the:

Tir 1988 den 12/1994: Can be) Phong lao dOng tien hang & PhOng ke toan tài Iry - Cong ty xay dvng cong trinh duang thuY 2;

+ TCr 01/1995 den 12/1995: Can b0 Phong tai chinh Ice toan - Gang ty van tai xang dau duemg thuy 1;

Tir 12/1995 den 3/2000: Tn.rang phong Ice than tang hgp - Chi nhanh Cong ty CO phan Bao hiem Petrolimex Hai Ph6ng;

lir 4/2000 den 3/2004: Tnrang ph6ng tai chinh kO toan - Chi nhanh Cong ty CO phan Bao hiem Petrolimex TP.HCM;

Tic 4/2004 den 9/2005: Ph6 Giam dac Chi nhanh C6ng ty CO phan Bao hiem Petrolimex Binh Ducrng;

+ Tir 10/2005 den 7/2008: Giam clac Chi nhanh Cong ty Co ph'an Bao hiem Petrolimex Binh Duang• vnie

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+ Tir thing 7/2008 den 7/2011: Giam dac Chi nhanh ABIC TP. FICM. + Tir thug 7/2011 den nay gift chirc Phe Tang Gam dac kiem Giam doe Chi

nhanh ABIC TP. HCM.

2.1.4 Ong Mai Sinh - Ph6 T6ng gum d6c Ngay thang nam sinh: 20/11/1961

- Trinh do chuyen mon: Thac sy kinh té Trinh do ngoai ngit: Tieng Anh trinh do B.

- Qua trinh cong tac: Tit 9/1986 den 11/1989: Can be Cong ty Bao hiem Ha Nei; T6 12/1989 den 7/1990: Ph6 pining Bao hiem phuang tin - Bao Viet Ha NOi; Tir 8/1990 den 11/1994: Ph6 ph6ng phi; trach PhOng Bao hiam phi hang hai -

Bao Viet Ha Noi; + Tir 12/1994 den 7/1995: Can b0 Quy tin dung nhan dan Trung acing;

Tir 8/1995 den 2/1996: Phe Giam doc ph trach phong Th6ng tin - Phap 19 va Quan h quac tê - Quy tin dung nhan dan Trung acing;

Tir 3/1996 den 7/1996: Can be C6ng ty Bao hiem TP. Ha Chi Minh - Bao Minh Chi nhanh Ha NOi;

Tir 8/1996 den 12/1997: PM ph6ng Phi hang hai phi tech be phan dai 19 - COng tac vien - Bao Minh Ha NOi;

+ Tir 01/1997 den 8/1998: Tnrerng pheng Dai din bao hiem Bao Minh Nghe An; Tit 9/1998 den 02/1999: PhO Giam dac phv trach Chi nhanh Bao Minh Nghe

An; + Tir 03/1999 den 4/2000: Twang ph6ng nghiep vçt Bao Minh Ha NOi;

Tir 7/2001 den 12/2004: Tnrerng ph6ng Cong nghe va dich vitt thong tin - Bao hiem tien giri Viet Nam;

Tir 1/2005 den 4/2005: Tnreng phong Thong tin Myer' truyen - Bao hiem flan giri Viet Nam;

Tir 4/2005 den 7/2006: Tnranig van ph6ng di din Bao Minh tai Ha NOi; Tir 8/2006 den 6/2007: Chuyen vien Ban till bi thanh lap ABIC;

+ Tir 6/2007 d'en 30/8/2012: Tnrang Pining Quan 19 Dai 19 & PTHT ABIC; + Tir 1/9/2012 den nay: Phe Tang Giam doe ABIC.

2.2. Nhang thay ddi trong Ban dieu hanh nam 2019 Mi'en nhiem chirc danh Tang Giam d& dai vâi Ba Hoang Thi Tinh k tir ngay

01/06/2019 (nghi huu theo che do).

Ba nhiem chirc danh Tang Giam dc den vai Ong Nguyen Tien Hai lee tir ngay 01/06/2019 (thay Ba bang Thi Tinh).

2.3. s.i hrayng can b0, nhan vien va chinh sack vol ngithi lao 65ng - Nhan six toan Deng ty tinh den 31/12/2019 la: 673 can 130 nhan vien.

C6ng ty thgc hien chi tra lacing cho ngueri lao dOng theo doanh thu phi bao him dux hien va hieu qua kinh doanh theo quy dinh nei,b0 ye Quy thu nhap trong toan Cang ty. Day la chinh sach nen tang dieu chinh eve ca the phan phai,tien lacing cho ngueri lao dOng, gan viec phan ph6i lien lacing yeti ket qua kinh doanh cued ding. Ngoai ra, cac che do BHXH, BHYT, BHTN Won &roc dam bao day du doi veri nguai lao dOng.

3. Tinh hinh dau ttr, tinh hinh that hqn cac dkr in 3.1. Cac khoan dau tir (khong co) 4.-)y

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3.2. Cac cOng ty con, c6ng ty lien ket: (Khong cO) 4. Tinh hinh tai chinh 4.1. Tinh hinh tâichinh

D071 Vi: Don

Ma s6 CET TIED Nam nay VND

. a Mm trut

VND 1 Doanh thu thuan boat clang kinh doanh bao Mara 1.450.008.550.796 1.230.766.275.335

2 Doanh thu hoat Ong tai chinh 121.271.186.255 96.529.386.360

3 Thu nhap lchac 569.052.615 442.705.714

4 Tang chi phi hoat clang kinh doanh bao him 791.218.946.575 703.941.180.032

5 Chi phi hoat clang tai chinh 56.741.793 43.870.940

6 Chi phi quan 19 doanh nghiap 477.374.335.287 408.897.068.564

7 Chi phi khac 27.492.766 50.648.970

a Dinghy' nhuan ice toan trut thu e 303.171.273.245 214.805.598.903

9 CM phi thue TNDN hien hinh 60.675.753.202 43.007.248.971

10 Lgi nhuan sau thu e thu flap doanh nghiep 242.495.520.043 171.798.349.932

4.2. Cat chi tieu tâi chinh yin

STT Chi tieu Dom vi tinh

Nam 2019

Nam 2018

Co cgu tai sin

- Tai san dai han/Tang tai san % 7,55 9,37 - Tai san hru clang/Tang tai san % 92,45 90,63

Co du ngutin von

- Ng phai tra/Tang nguen viin °A 65,32 65,02 - Nguan van chit so hcru/Tang nguan van % 34,68 34,98

Khil nang thanh twin

- Kha nang thanh toan nhanh Lan 1,18 1,17 - Kha nang thanh toan tang quat Lan 1,53 1.54 - Kha nang thanh toan ng ngan han Lan 1,42 1,39

Ty suAtIgi nhuan

- TS, suAt lui nhugn truck thug/T6ng tai san g4i 11,80 10,04 - 1'9 suAt lcci nhuan sau thua/Doanh thu thuan % 16,72 13,96 - T9 suat lgi nhuan sau thut/Nguan van chi" sã ham % 27,21 22,95

Co du c6 (long, thay Mit v6n dAu fir dm chit so' hint 5.1. Ca phan Ding s6 ca phan cüa C6ng ty: 38.900.000 CP menh gia 10.000 clang, trolls do: C6

phan pith th6ng: 38.000.000 CP, co phan tru (Chong có), co phan han che chuyen nhugng: (Khong

, Tang s6 ca phan clang km hanh: 36.841.800 CP, tang s6 c6 phAn chua hru hanh (C6 phieu qu5r): 1.158.200 CP.

5.2. Co citu cI (long: 12.1. C'd (long lOn:

Cac c6 clang Ian sa him: 22.700.000 CP chiem: 59,74% ca phan cña Cong ty. Danh sach cac ca tong Ign cüa Cong ty: - Ngan hang Nang nghiep & Phat trien N6ng than Viet Nam, dia chi so 2 Lang

Ba Dinh- Ha N0i, sec hitu 19.500.000 CP chiem 51,32% Van dieu le. - Tong Cang ty Tai bao hiem quoc gia Viet Nam, dia chi 141 Le Dun — Hoan

Kiem — Ha N0i, so. hat 3.200.000 CP, chiem 8,42% Van (lieu I. 5.2.2 Ca dong nh6 khac Tang se him cüa cac cot dong khac la: 15.300.000 CP, chiem: 40,26% c6 phAn coa

Cong ty. 5.2.3 Ca tong so. h feu nha nut:

Tang s6 hilt cita ca thing nha nugc la: 19.500.000 CP, chiem: 51,32% ca pha'n cüaCOngty.

Danh sach cac ca thing nha nugc:

TT Ton c6 thing CophAn Ty 10 %

1 Ngan hang N6ng nghiep va PTNT Viet Nam 19.500.000 51,32

5.3. Tinh kink thay dJi vein du Ur cat: chti so hay: (Mk 2019 van dau Ic1 cut, Cong ty kh6ng thay deli) 5.4. Giao dich ca phials guy" nom 2019: (khong phat sink) 5.5. Cac cherng khan: khtic: (Khong co) III. Bac) cao va danh gia dm Ban 'Ding giam d6c

Danh gia k6t qui hog Ong kinh doanh

1.1. Hogt d'Ong kink doanh bdo hant

Doanh thu phi bao hiem: Nam 2019 ning doanh thu bao hiem g6c dux hien: 1.742.511 trieu clang tang throng 23,3% so vgi nam 2018, tang cao hcm mix tang trugng chung cüa thi tnrerng BH phi nhan thy.

1.2. Hogt dg'ng dim tic till chink

Tang du Mu tu tien giri tai cac chi nhanh AGRIBANK den 31/12/2019 la 1.998.247 trieu clang chiem tY tryng 100% tiing s6 du Mu tu tai chinh, tang doanh thu d'Au vs tai chinh nam 2019 dux hien 121.271 trieu clang, tang truerng 25,6% so vari nam 2018, hail thanh 112,2% ke hoach nam.

1.3. Kit gun kink doanh

Lgi nhu4n truot thug nam 2019 Cong ty durc hien 303.171 trieu citing, tang truemg 41,1% so vgi nam 2018, dat 132,1% ke hoach.

Nhirng cal titn sTAco cAu tai chit, chinh sach quin 1ST Cong tag img dung cong nghe thong tin da dugc C6ng ty timg butc pith trien cid

el?"

nang cao dugc hieu qua trong clang taz quan trj doanh nghiep. Nam 2019 phat tnen cac Ung dung chuygn cloi so quy trinh tac nghiep:

Nghiep IN Phi Hang hai dã xay dung biz& dau cac img dung chuygn dôi so quy trinh kinh doanh nhu: cAp don BATD chit k9 só, cAp dun BH 0 to chit s6, giam dinh tra tien BH Bao an online, phat trien ling dung mobi chup anh gidm dinh hien trugng.

Nghiep vu TSKT da phat trign Ung dung phe duyet online pinning an cAp dun BH Tai san, ,nghiep vu Hang hdi da phat trier' img dung phe duyet phucmg an cap dun BH tau thuyen, hang h6a online va thit nghiem cap cluing thu s8 cho cac tai lieu phat sinh trong qua trinh tham dinh va phe duy'et.

K'e hooch Oat trien trong Won lai

3.1. Myc tieu dinh huying kinh doanh nom 2020

- Doanh thu phi bao him tang tnrOng ten thigu 12% so voi nam 2019

- Lgi nhuan twat thug pi-Ian dAu cao hcm so vol nam 2019 _ a the chi tra phAn d'Au dat 12%.

3.2. K'A hoych ph& triin trong ttro'ng lai

Tip tac khai thac thi truerng truyan tilting, tap tning ngugn luc phat trign mo hinh kenh phan phoi Bancassurance, lay khu vue nong nghiep, nOng them, ming dan lam thi trugng chü dao.

Niue tieu chign lugc la dua ABIC tra thanh mOt doanh nghiep bao higm c6 uy tin ve chat lugng va phong cach phc vg khach hang, chuyen nghiep trong cong the giam dinh ton that, giai quyet khieu nai,, chi tra tien bed thuomg thuan lgi, minh bach, nhanh ch6ng va chinh xac. Dam ban quyen Igi va lgi ich cüa khach hang, gap phan thuc day phat trign kinh te va an sinh xa hoi.

IV. Danh gia ella Hi)i ding quail till ye hoot dOng elm Con ty (161 yid Cling ty Co phan)

Dinh gia ella Hi dong Loan tri v hoat d'Ong dm Ban TOng Giam dew Cong ty

-pan 'fling Giam dgc cong ty gam 4 thanh vien (Tting Gam dgc va 3 Pho Teing Giam dc, trong do 1 PHI Tong Giam doc phu trach khu virc phia Nam), cac thanh vien dã thuc hien tot viec phan ding ding vi'ec, phdn cap \fa u9 quygn dam bao dieu hanh moi hog dOng kinh doanh cUa Cong ty, bao quat toan hi) cac Chi nhanh theo khu nrc dia ly.

- Ban Tgng Giam dgc de chi dao C6ng ty ta cline thin hien tot cac Nghi quygt, Quyet c/Inh cña Dai hOi thing c6 dong va ella HDQT C8ng ty, thuOng xuyen barn sat dia ban, nam bAt thuc tin hoat Ong kinh doanh de c6 quyet dinh dieu chinh phll hgp.

Hoat dOng dieu hanh dm Ban Tgng Giam dgc da dam bao than thu theo dung cac guy dinh ella phap luat, quy dinh dm Dieu 1 C6ng ty va theo dung dinh hueng cna HDQT, dive hien holn thanh va vugt müc kg hoach kinh doanh do HDQT giao.

Cac k hoach, dinh hirevng ella Hi ding (wan tri

Haat clang ella HDQT trong nam 2020 se tap trung vao mot s6 Rah vut sau:

- Nam 2020, HDQT trinh DHDCD thuong nien nam 2020 cac nOi dung can dirge thong qua va phe duye't theo quy dinh ella Phap luat va Dieu le.enfr,

10

- Duy tri nghiem tac hoat dOng cüa HDQT theo. quy dinh a Phap luat va Dieu le, nang cao nang Ivc, hieu qua giam sat HDQT doi \Teri cac hoat dOng dieu hanh kinh doanh thuting xuyen cüa ABIC.

Pith huy tinh chit clOng cüa cac thanh vier' HDQT trong viec quan 19, giam sat va 116 try cac don vi trong hoat dOng kinh doanh theo nhiem vv dugc phan ding.

- Tap trung ra soat, chinh sira, b6 sung he theng cac co che, quy che, quy dinh ve quan tri dieu hanh hoat dOng kinh doanh cUa ABIC, Oat huy vai tro cac b0 may &ID viec HDQT.

- Kien toan bt) may te chat tai Trv set chinh va cac chi nhanh theo huemg tinh gcn va hieu qua. Xay dung co che phat trien ngu6n nhan sir c6 trinh do chuyen mon dap img you cau thvc tin kinh doanh.

- Tip tvc chi dao Ban Tting giam dc hoan thien va t il trinh HDQT cac quy trinh qua tri, quan 19,n0i b0 nham Mc day hoat dOng kinh doanh va quan 19 rid ro nhu: Quy che ve phan ph6i tien lucmg, quy dinh ve clang k9 dv an....

- Tang cueing ding tac kiem tra kiem soat nOi b0 cac dun vi troll toan h tilting.

- Phat then them cac san phAm m6i, clac biet la cac san pham lien ket vad ngan hang.

- Tiep tvc chi dao thvc hien hoat dOng kinh doanh theo intic tieu giai doan 2017-2022 cña HDQT.

- Chi dao Ban T6ng giam oleic tip toc dAy manh viec img dung ding nghe thong tin vao kinh doanh, tiep tvc chi dao nghien dm, Iva chon san pham, dia ban de me rong theo 10 trinh phü hop viec cap giay chimg nhan bao hiem chit k9 s6 dOi vOi cac san pham bao hiem khac, cleng thoi xay dung de an va chuan bi cac dieu lcien can thiet de trier' khai stir thing hoa don dien tir trong toan he thong ABIC dap ung cac yeu cau ye quan tri, diéu hanh, hach toan k toan... nham tiet lciem thed gian, chi phi, nhanh gpn - chinh xac trong hoat dOng ke toan.

- Thtrc hien cac quyen va ngfila vi khac cüa HDQT theo Dieu le Cong ty va phap luat quy dinh.

V. Quitn trj Cling ty 1. Hi clang quart tri

/./. Thrinh vien va ca cu cfia Hi (tang qudn tri

Thanh vien HDQT và t9 1 se( hitu cO phan cá nh'an cüa thanh vien HDQT.

TT Hy va ten Chin danh Ghi chit TY le CP (%)

1 Dinh Viet Bong Chu tich HDQT 0

2 Hoang Thi Tinh Ph6 Chil tich HDQT Kiem TGD (Nghi him

theo the do dr ngay 31/05/2019)

0,11

3 Nguyen Tien Hai Thanh vien HDQT

Kiem TGD (B6 nhiem dr ngay

01/06/2019 thay ba Hoang Thi Tinh)

0,16

4 Bang Van Lieu Thanh vien HDQT Kiem GD CN 0,03

11

5 Ducmg Van Thanh Thanh vien HDQT 0

6 Le H6ng Quan Thanh vien HDQT chuyen trach 0

1.2. Cric tieu ban thui)c HDQT: - Ban kiem tra lciem goat nOi be; - Ban quan 1' rui ro.

1.3. Hogt Wing cfia IIjli dang qurin 1.3.1. Cac cutic hep cfia 111)i citing qurin tri

1. Cac cuOc h9p cüa Hoi d6ng quan tri:

SO TT

Thanh vien HDQT Clint vy

Ngay tiat dau/khong con la thinh vien HDQT

SO bad hyp tham

clv Tjr le

Lt do khong tham dv

1 Dinh Viet Deng Cho tjch

HDQT chuyen filch

B6' nhiem lai ngay 28/05/2017 4/4 100%

2 Hoang Thj Tinh Ph6 Chu tich HDQT kiem

TGD

BO nhiem lai ter ngay 28/05/2017 den

31/05/2019 (nghi hut theo che do)

2/4 50%

3 Nguyen Tien Hai Thanh vien Tham gia tit ngay

01/06/2019 thay ba Hoang Thj Titili

2/4 50%

4 Le Hong Quan Thanh vien chuyen trach

Bo nhiem Jai ngay 28/05/2017 , 4/4 100%

5 Duang Van Thanh Thanh vien BO nhiem lai ngay

28/05/2017 , 4/4 100%

6 ifang Van Lieu Thanh vien 136 nhiem lai ngay

28/05/2017 4/4 100%

1.3.2. Hogt d'eng giant sat cfia HDQT rtai vai Ting Grim &lc: ABIC th9c hien hot dong giam sat dm HDQT yeti TOng Giam dec theo dung cac

quy dinh cua phap luAt, c9 the nhu:

HDQT, Chit tich HDQT time hien trach nhiem giam sat, chi ciao TOng Giam d6c va ngueri quan 1' khac trong dieu hanh cong vieckinh doanh hang ngay cUa Cong ty. boat dOng giarn sat ea a HDQT,

, tich HDQT vai Tong Giam doc dugc th9c hie'n

theo cac cach thirc khac nhau nhu:

-,Thong qua trao tIM, tháo luAn, chat van girra HDQT, Chn tich HDQT va rang Giam Mc;

- Thong qua cac bao cao chi tit d'ay dü, kip Med dm fang Gam, d6c tin de dux hien, nhang kho khan wrong mac, phan tich nguyen nhan va xuat cac giai phap xfx 1;

- Thong qua Ban Kim tra, kiem soat nOi 1)0; Ban Quin 1' ro tr9c thuOc HDQT, phoi h9p \Teri Ban hem soat trong viec giam sat hoat dOng cna Tong Giam doe; mr

12

- Cac van ban do Ban rang Giam Mc ban hanh lien quan den nhan so, co cha kinh doanh, quan 15/ rui ro hoat dong...deu dtrac gin den cac thanh vien HDQT va Ban kiam soat COng ty.

- Hang thang cac thanh vien Ban Tiing Giam Mc nvc tip bao cao kat qua ding vie'c vói Chfi tich HDQT tai HOi nghi giao ban.

- Cac thanh vien HDQT chir dOng thoc hien hoat dOng kiam tra, giam sat trong pham vi dtrot phan c6ng, thoc hien cac hog dOng h6 trg cac don vi chi nhanh. KM qua hog dOng elm cac thanh vien HDQT dugc bao cao vói HDQT tai cac kST hop.

1.3.3. Hogt d'Ong ciia thank vien Hei d'Jng wan tri doe lp (Cong ty khong có thanh vien HDQT ct4c 16p)

1.3.4. Dank sack cac thank Wen HOi deng qua,, tri c6 chtiwg chi dao tgo ye quiin tri cling ty. Dank sack cac thank vien HOi (tong quan t4 tham gia cac chtrowg trinh ye quart tri Cling ty trong nam.

(Khong co)

2. Ban kiem soat 2.1. Thank vien vii cos cu et& Ban kiln, sotit

Ban kiem soar cfra Cong ty glim 3 thanh vien trong do co 1 Tnrang ban chuyen trach, 1 thanh vien chuyen trach vã 1 thanh vien khong chuyen trach.

2.2. Dank sack thank Wen Ban kiln, soat, tf if so hitu cd phim c6 quyen bieu quyet vii cac chtitng khoan khac do cling ty phat hank

TT HQ vi ten Choy danh Ghi chti 1157 10 sit him CP (%) 1 Truong Dinh Canh Tnroang ban 0,005 2 Nguyen Ng9c Kien Thanh vien 0,001 3 Luu Thi Viet Hoa Thanh vien 0

2.3. Hoyt d" Ong cact Ban kilns soat Can cir theo lug doanh nghie'p Ara diau le Cong ty ca phan Bao hiem, Ngan hang

Ming nghiep; Ban kiem sok da t6 chat dux hien tot nhiem vv do Dai hOi dong c6 dong giao, co the nhu sau:

- Tham do day dll cac cuOc hop dm HOi ding quail tri to chirc.

- Nam 2019 Ban kiem soar dä t6 chat hop 3 !An co the nhu sau:

Ngety 18/03/2019 Ban kilm soat hpp:

Thong bac) kat qua hog dOng kinh doanh Cong ty C6 phAn Bao him Ngan hang Wing nghiep nam 2018.

+ Danh gia hoat Ong dm Ban kiam sok nam 2018.

Phan ding nhiem vu cho cac thanh vier' kiem tra, giam sat va chuAn bi cho Bao cao trinh dai hOi eking co thing thuang nien 2019.

Chuan bi chuang trinh kiam tra giam sat dm Ban kiem soat sau dai hOi c6 thing thuong nien 2019.

+ Cac thanh vien Ban kiern soat bao cao ket qua hoat d'9ng elm tang thanh vien. Ngety 23/03/2019 Ban kilm soat hpp:

+ Thong qua kat qua hog dOng cna timg thanh vien Ban kiem soat.

13

+ Th6ng qua do thao bao cdo dm Ban kiam soat danh gia kat qua hoat dOng kinh doanh ala ding ty nalm 2018; Danh gia hoat dOng ala HOi thing quail trj va hoat Ong

a Ban T6ng giam doc cong ty tam 2018.

Thong qua do thao tham dinh Bao cao tai chinh nam 2018. + Lap bao cao cila Ban kiam soat pi-19c v9 ding tac lap bao cdo thuorng nien 2019.

Ti-Mn khai chuang trinh kiam tra giam sat dm Ban kiam soft sau dai hei Ong c6' Ong 2019. + Trian khai ding tac kiam tra, giam sat tai mOt sa don vi troc thuec ABIC. +,Trinh bao cao tham dinh bao cao tai chinh, bao cao kat qua kinh doanh len Dai hi Tong c6 clang thuang nien tai au& h9p Dai het dang c8 thing thuarng nien Mm 2019. + Kiam tra tinh hop hop phap, tinh trung Bloc va mire de cAn tong trong quan ly, diéu hanh hoat Ong kinh doanh, trong citing tac ke than, thong ke va lap bao cao tai chinh Mm 2019.

Ngety 20/12/2019 Ban kiln sodt hop:

+ Danh gia so be tinh hinh hoat dOng kinh doanh ding ty den Mori diam 30/11/2019.

+ Danh gia so 130 hoat Ong kiam tra giam sat dm Ban kiam goat trong 11 thang dau Mm 2019

G. + Ti-Mn khai ding tac xay dong ka hoach hoat clOng va ding tac Ici6m tra giam sat dm 10 Ban kiem soat nAm 2020.

Trong ky Ban kiam soat cIA:

Tham gia cac heir nghi so kat, tang kat va theo dal cac phong trao thi dua do c6ng ty va cac chi nhanh Ova thuOc phat Ong.

Trinh bao cao tham dinh bao cao tai chinh, bao cao ket qua kinh doanh len Dai hei clang cti doting thuong nien tai Dai hei thing c6 (tong thuOng nien tam 2019.

Kiam tra tinh hop hop phap, tinh trung Bloc va mire cle can tong tong quan diau hanh hoat Ong kinh doanh, trong &Ong tac ká than, thong ke va lap bao cao tai chinh dam 2019.

Ta chat kiam tra giam sat cac hoat Ong dei \rot 8/10 chi nhanh troc thuec cong ty trong fram 2019.

Tham gia cac bual giao ban dm cling ty d nAm bat tinh hinh trien khai acing tac kinh doanh cita toan c6ng ty.

Phai hop va kat hop chat che veri Ban Tang giam dac, Cac ban, phong nghiep vii Tin sar chinh va cac chi nhanh troc thuOc trong qua trinh kiem tra giarn sat de hoar] thanh nhiem v9.

3. Cfic giao dich, din lao vi cac khoan IQi ich ella H61 dang quan tri, Ban Giam dee vi Ban kiem soat 3.1. Liming, thwang, thii lao, các khocin 10 ich

TT Ho vl ten Chat danh se, thing Tien Itrang Thit lao

I HO &Ong Quail tri 5.149.034.400 180.000.000

14 ov

1 Dinh Viet Deng Chit tich HDQT 12 1.296.000.000

2 Hoang Thi Tith PM CT HDQT kiem TGD 5 540.000.000

3 Nguyen Tien Hai Thanh vien HDQT !dem TGD 7 756.000.000

4 Le Wing Quan Thanh vien chuyen trach 12 1.296.000.000

5 Ducmg Van ThAnh Thanh vien 12 180.000.000

6 Hang Van Lieu Thanh vien kiem GD CN 12 1.261.034.400

II Ban kiem wit 2.358.584.342 60.000.000

1 Thong Dinh Canh Tnrang ban 12 1.275.955.464

2 Nguyen Ngoc Kien Thanh vtrilnhchuyen 12 1.082.628.878

3 Luu Thi Viet Hoa Thanh vien 12 60.000.000

III Ban diet' hanh 4,359,514,501

1 Nguyen Tien HaiT , .: ong giam doc 5 531,648,110

2 De Minh Hoing PIM TGD 12 1,275,955,464

3 Mai Sinh Pho TGD 12 1,275,955,464

4 Quach Ta IChang PM TGD kiem GD CN 12 1,275,955,464

TOng ding 11,867,133,243 240,000,000

3.2. Giao dick cJpkilu cfia nguiri njii bq3 cling ty num 2019

STT H9 va ten Quan he yid c6 thing *136

SO c6 phieu ABIC se. hill

31/12/2018

sep c6 phieu ABIC s& WM 31/12/2019

Ly do tang, gram (mua, bin, chuyen

d6i, thwerng...)

1 HA Thi Mai Lan Va 6ng 136 Minh ' „ n Hoang Pho Tong

giam d6c

0 120.000 Mua

3.3 Khang can lei viral NE be') Ong ty - Ba Hoang Thi Tinh Teing Giam dac Nghi huu tit 01/06/2019 - • Ong TrAn Van Van ChOng Ba Hoang Thi Tinh

3.4. Hp clang hoc giao dich veil co thing qi be (Kitting phat sinh) VI. Ban can tai chinh 1.1' kr& kgm than Theo Y kin cüa chi:mg toi, bao cap tai chinh cid phan anh trung dux va hop 1y,

tren cac khia canh trong yau, tinh hinh tai chinh cUa COng ty tai ngay 31 thang 12 nam 2019, cling nhu kat qua hoat dOng kinh doanh va tinh hinh hru chuyen teen t cho nam tai chinh kat Mac cling ngay, phil hop vo•i cac chuan mire k toan, che dO k toan ap dung

15

cho cac doanh nghiep bao him Viet Nam va cac quy dinh phap ly cal lien quan den viec lap va trinh bay bat) cao tat chinh.

2. Bac, can tui chinh dirge kgm tofin

2.1. Bang din Si ki tocin

Dow vi: D'On

Ma s6 TAI SAN Thuyat mink

SO cad nam VND

_ SO du atm

VND

100 A. TAI SAN NGAN HAN 2.375.366.521.557 1.939.606.115.524

110 L Tian va ccic khodn twang throng tian 4 47.694.393.644 58.607.933.269

111 1. TiEn 47.694.393.644 58.607.933.269

112 2. Cac khocin tucmg throng tiEn 0 0

120 IL Dau tic IX chink ngan hgn 5 1.939.747.291.700 1.570.617.291.700

123 1. Dau ttr nam gill dEn ngay dao han 1.939.747.291.700 1.570.617.291.700

130 IIL Cdc khodn phdi thu ngan itgn 6 89.860.456.179 79.649.101.861

131 1. Phai thu dm khach hang 31.819.015.863 33.528.544.315

131.1 1.1. Phai thu vi hop (tang bcio hiim 31.819.015.863 33.528.544.315

132 2. Tra tn.roc cho ngtroi ban ngan han 1.015.730.687 1.649.546.637

136 3. Phai thu ngAn han khac 62.750.233.389 50.813.862.592

137 4. Dv pining phai thu ngin ban kho &pi (5.724.523.760) (6.342.851.683)

140 IV. Hang tan kho 2.852.348.591 3.461.175.901

141 1. Hang ton kho 2.852.348.591 3.461.175.901

150 V. Tai San nein hgn kit& 192.376.171.120 150.562.095.208

151 1. Chi phi tra tnr6c ngAn hart 192.376.171.120 150.562.095.208

151.1 1.1. Chi phi hoa hang chua phcin bá 7 192.376.171.120 150.562.095.208

151.2 1.2. Chi phi trci trut ngan kin khtic 0 0

190 VI. Tai sdn till bdo hiam 16.2 102.835.860.323 76.708.517.585

191 1. Dv pitting phi nhuvng tai bat) hiEm 43.620.819.454 38.120.964.499

192 2. Dv phong bni thuang nhuvng tai bac) hien' 59.215.040.869 38.587.553.086

200 B. TAI SAN PAL HAN 194.103.077.331 200.501.122.067

210 L Cdc khotin phial thu dai hgn 7.014.924.505 7.004.432.629

216 1. Phai thu dai han khac 7.014.924.505 7.004.432.629

216.1 1.1. K) qn9 bao hilm 8 6.000.000.000 6.000.000.000

216.2 1.2. Phcli thu dai km khac 1.014.924.505 1.004.432.629

220 IL Tid min co dinh 122.404.961.892 129.320.715.300

16

221 1. Tai sin cii dinh Hu hinh 9 62.202.443.706 68.652.860.891

222 - Nguyen gth 118.541.261.266 119.233.106.764

223 - Gia tri hao man Ittfr" ki (56.338.817.560) (50.580.245.873)

227 2. Tai san c6 dinh vo hinh 10 60.202.518.186 60.667.854.409

228 - Nguyen gia 65.634.778.877 65.634.778.877

229 - Gici tri hao man 47 Ici (5.432.260.691) (4.966.924.468)

250 111. Dini Uffizi chink diii hott 58.500.058.302 60.000.058.302

255 1. Diu tu nAm gill den ngay dao han 5 58.500.058.302 60.000.058.302

260 IV. Teti stin dai hgn kluic 6.183.132.632 4.175.915.836

261 1. Chi phi tra truerc dai han 11 6.183.132.632 4.175.915.836

270 TONG CONG TAI SAN 2.569.469.598.888 2.140.107.237.591

Ma si NGUON VON Thuy4t minh

Sa clad num VND

Sio dau nam VND

300 C. NQ PHAI TRA 1.678.394.782.837 1.391.427.506.851

310 I. Nv nglin km 1.678.394.782.837 1.391.427.506.851

311 1. Phai tra nguen ban ngan han 12 77.367.037.238 63.314.674.539

311.1 1.1. Phcii tra ve hop clang bao ham 74.511.145.383 62.205.879.327

311.2 1.2. Ph& Ird khcic cho ngtthi ban 2.855.891.855 1.108.795.212

313 2. Thue vá cac Idioan phai nOp Nha nuoc 13 15.619.057.670 17.462.788.121

314 Phai tra ngt.r6i lao Ong 66.171.064.281 98.992.012.849

318.1 Doanh thu chin thvc hien ngin han 15.491.016.734 11.661.563.486

318.2 Doanh thu hoa h6ng chura dixqc huOng 14 11.826.852.256 10.625.186.519

319 6. Phil tra ngin hp khac 15 19.226.667.738 12.786.385.837

322 Qup khen thuang. phitc Igi 65.118.826.129 37.142.924.990

329 Dv pilling nghiep va 16.1 1.407.574.260.791 1.139.441.970.510

329.1 „

8.1. 13t r phong phi bao hien: goc va nhan tali hew hiem 16.2.1 1.104.892.188.295 877.482672.877

329.2 8.2. Da- p/tong boi thwang bac) hiern gat vci nhan tat bcio hiem 16.2.1 197.724.673.267 173.504.918.920

329.3 8.3. Dte phang dao clang lem 16.3 104.957.399.229 88.454.378.713

400 D. VON CHU SO Het 891.074.816.051 748.679.730.740

410 1. Van chli so" him 17 891.074.816.051 748.679.730.740

411 I. Von ce pith 380.000.000.000 380.000.000.000

17

411a 1.1. C6 plume ph6 thong c6 quye'n bait guy& 380.000.000.000 380.000.000.000

412 Thang du von c6 phan 12.000.000.000 12.000.000.000

415 C6 phi6u qu9 (13.898.400.000) (13.898.400.000)

417 Qu9 dau tu. phat then 176.133.188.964 124.633.188.964

419 Quy dir trir bat bu6c 38.000.000.000 38.000.000.000

421 Lgi nhuan sau thu e chin phan phoi 298.840.027.087 207.944.941.776

440 TONG CONG NGUON VON 2.569.469.598.888 2.140.107.237.591

2.2. Brio ctio kit qua hoot ging kinh doanh •

Ma sa CHi NEU Nam nay

VND Nam fru&

VND

10 1. Doanh thu thuan hog dOng kinh doanh bao hi6m 1.450.008.550.796 1.230.766.275.335

12 2. Doanh thu hoat dOng tai chinh 121.271.186.255 96.529.386.360

13 3. Thu nhap khac 569.052.615 442.705.714

20 4. Tong chi phi hoat dOng kinh doanh bao • hiem 791.218.946.575 703.941.180.032

22 5. Chi phi boat dOng tai chinh 56.741.793 43.870.940

23 6. Chi phi quart 1ST doanh nghiep 477.374.335.287 408.897.068.564

24 7. Chi phi khitc 27.492.766 50.648.970

50 8. Tang lqi nhuen ke toin &trot thu e 303.171.273.245 214.805.598.903

51 9. Chi phi thud TNDN hien berth 60.675.753.202 43.007.248.971

60 11. Loi nhutin sau thu e thu nhep doanh nghiep 242.495.520.043 171.798.349.932

2.3. Belo cao lieu chuyin tian •

Ma ..c so CHi TIEU Thuyat

mink Nam nay

VND Nam Mak

VND

I. LUt CHUYEN TIEN Tir HOAT BONG KINH DOANH

1 1. Tien thu tir ban hang cung cap dich Am ' • va doanh thu khac 1.722.345.250.668 1.407.868.039.670

2.2 A Tien chi tra cho ngtreci cung cap hang

hoa. va dich vu (1.014.058.569.684) (851.404.055.883)

3 3. Tien chi tra cho nguai Lao dOng (270.675.909.935) (175.327.027.212)

4 4. Thu6 thu nhap doanh nghiep da nOp 13 (64.075.940.022) (26.989.404.784)

5 5. Tien thu khac tir hog dOng kinh doanh 15.916.169.932 5.158.478,538

6 6. TiEn chi khac cho hoat dOng kinh doanh (111.153.637.344) (80.129.401.197)

20 Tien than tir host Ong kinh doanh 278.297.363.615 279.176.629.132

18

NGU.61 031 DIN THEO PRAY LUAT

TONG GIAM DoC

eArroft- crifriet ciatri

Noi nhan: - Uy ban cluing khoan IVN (di b/c); - Sà GDCK Ha NOi (ctd b/c); - Cha Bch HDQT (cti b/c); - Trztong Ban Iciim soar (di b/c); - Ccic Pho TOD (di biAt); - Luu TCHC, DW.

GO GO PHAN

SAO HIN NG' NGHIV

II. LUIU CHUYEN TIEN Ti! Imo' BONG DAU TI!

21 1. Tien chi mua sam tai sin ce dinh (1.359.257.728) (9.915.159.445)

22 2. Tien thu tit thanh ly, nhucong ban tai san ce dinh va cac tai san dai han khac 411.000.000 241.500.000

23 3. Tien chi cho vay, mua cac c8ng cti nq cna don vi khac (598.000.000.000) (534.272.000.000)

24 Tien thu hoi cho vay, ban lai cac cong Cu ng cna don vi khac 245.568.000.000 237.500.000.000

27 Tien thu Lai cho vay, ea dm vã 1cri nhuan dug° chia 107.693.463.427 88.317.680.428

30 Tien thuAn mi. dung vac, hoot dOng dA u tir (245.686.794.301) (218.127.979.017)

III. Lift CHUAN TIEN Ti! BOAT BONG TAI CHINH

36 1. CA tic, lqi nhuan da tra cho chit so hem (43.524.108.939) (43.775.640.000)

40 Tien sir dung vac, hoot Ong tAi chinh (43.524.108.939) (43.775.640.000)

50 Lou chuyen titn thuAn trong aim (50 = 20 + 30 + 40) (10.913.539.625) 17.273.010.115

60 Titn vA ttrcrng dirtyng titn dAu nano ), .x A .

58.607.933.269 41.334.923.154

70 Tien ve tutmg throng ben cuoi nAm (70 = 50 + 60)

4 47.694.393.644 58.607.933.269

19