ngân hàng thương mại cổ phiếu đại dương thuyết minh báo cáo tài chính quý 2 năm 2013

Ngan hnng TMCP
Dai Duong
199 Nguyan
Luong Bing TP
Hai Duong
B60 c6o Tei chinh
Qui
rr nim 20rl
BAN THUYET
MINH BAo
CAo TAI CHINH
Cho
Quj
11 nih2013
TH6NG TIN
cHUNc
Ngan
hang Thuong
mai C6
phrin
Dai Duong
1ggi
tit ld'\lgan heng') ld m6t
ngan hang rhuorr8
r?i
cd
phAn
duoc rh;nh
.;p lqi nudc
Cong
hia X,

hvi
(
.ru nghr.
\
i"-r \arr
lhco
QL)er
dinh
.6
257lQD,4,lH5
ngdy 30 theng
12 nim 1993 crla Ngan hdrlg
NhA ntr6s ViCl Naln
v6i thdi
gian
loat
dins lA 5u nam.
Theo Giil chimg nhan dlng
ki doalrll nghiep s6
0800006039 ngat 30
rhdng5nam20lldoSarKihorch!aDiurtriinh1]AiDuongcip.v6ndiaulCcnaNganhnngln
,1.000
tn \ND
chinh
cia Ngan hang dugc dAt
qi
s6
199
Nguy6n Luong Bing, tinh
Hai Ducng, ViCt

HOi sd
Nam.
2,
Nsanl nghA kinh
doanl cia Ngen hdng
bao
gdmi
- Kinh
doanhtian iC, huy d6ng
v6n d6 cho vay;
- Kinh
doanl vang bac d6
qu)t,
ngoai
ii
(k\i
duocNgan hing Nhd.u6c
cho
ph6p);
-
l.,ir),h doarh c;c o'ch
w lh"ni
roin
chi
rri
riir I n"nh
d6i
ro:
U a(h h;iC:
- Uy

ih6c vd an ny rhac v6n de
cho vay;
-
Cnc dich ru kh6c
khi duoc Ngan hang NhA nuoc
clo
ph6p;
-
Ldm dai ii thu
d6i ngoai h6i cho cac tii chrlc tin
dung kh6c;
- Kinh doanh
vang theo
quy
dinh hien hdnl cira
ph6p
luat;
- Hoat
dong cung rlng cac dich \r] ngoai h6i (cung
cip dlch v! ihanh
roan
quiic
tii; rhgc
hi6n cac
giao
dich mua- b6n ngoai
te
ten thi
rudng nu6c ngoei).
Tai ngdy

i0 ih6ng 06 nim 2013, s6 nhAn vien tai
Ngan hnns li 2.278 ngudi
(ll
lhang 03 ndm
2013:2.261
nguoi).
cO
sO
LAp Bio
c,io Tqt c iNH \
A
tai
Kt ToAN
Ccrs'iHp bio cno
tii chinh
B;oc;or; crr,nh kim
!}eo dJoc h:n\
bay binr
Dong \
iei
\an,V\Dr.rhconSLrirr;cgi;goc.
phi
hqp v6i cAc Chudn
muc K6 to6n ViCt Nam, H!- th6rg
KE roin dp dlrng
cio cac tt ctruitirr
dung tai Vjet Narn, vA
cac
quy
dinh lien

hdnh c6 lien
quan
dp dung
cho cAc td chic tin dr,rng tai
Vi6tNam.
K, k6 to6n
NAm tai chinh
cua Ngan hdng bit diu
flr
ngdy
0l th6ng 01 vi k6t thirc
vao ngdy 31 thans 12.
Ngan heng TMCP D?i Duong
199 NguyEn Luong B6ng TP Hai Dtrlng
Bro cio
Tii chinh
Qui
II nim 2013
3.
ToM T;.T
CAC C}IiNH
SACH Ki TO,iN CHi] YEU
Sau
dey h cec chinh s6ch k6 to6n chn
yi:u
duqc Ngan hang Ap dung
trong viCc lap b6o cno tai
chinhl
U6c tinh k6 to6n
Viec lap b6o clo rai chiih tuan

thn theo cic Chuan muc K6 torn Viet
Narn, I Iq thiins K6 toan
6p dpng cho cic td chnc tin dqng t+i ViCt Nan]
ve cec
quy
dinh hiCn hdnl1.c6 li6n
quan ycu
ciu
Ban T6ng Gidm d6c
phai
c6 nhiing u6c tinh vd
gid
dinh anh
huong d€n s6 lieu b6o c6o
ve
cac
kioan c6ng no.
,
tii sar vi viec ti l bd] cac
khoan c6ng nq vd i:ii san dCn1 rang tai ngdy lap bdo
ci;o
rai
chrnh
crlng
nhrr
c6c so
li u b;o c;o rE doanh thu vd chi
phi
trong nim tdl
chirh. Mic

dn
cac utic
rir\
ke roln duoc l;p b,lnj
lir
(l .r
n';u o'e cu-
Ban lorg uiir d6c.
"o
liu lnuc ]i
phat
sinll c6 L\6 kIAc v6i cac u6c tinh.
eia
dinl
d4t ra.
Chi nhin ban diu
Tai ngdy
shi
nhan ban diu, tei sAn tdi chirll duqc
ghi
rlr{n
theo
gi6 g6c
c6ng cic cli
phi giao
dich c61i6n
quan
truc ti6p d& viQc
mua sim tdi srir tai chi d6.
Tri .an lli chini cLa

\u:n
h:ug bao
liim
r:en n4r. rien
gii rri
NHN\. l:in
rri
v;
clo \a) c;c
TCTD khec, cho
vay kh6ch hAng, chfng klorn kinh doanh chLmg
khoin dAu tu, cic kloan
phai
thu, cec khoan leivAphi
phai
thu, c6c c6ng cutii
cljnl
phdi
sinl
va cic tdi san c6lhdc.
Cing n.:/
hi
chhh
Tai ngd,v
shi
nhan ban ddu, c6ns nq tii chinl duqc
ghi
ntAn theo
gi6 giic
trn di cAc chi

phi giao
dich c6licn
quan
lrgc d6p d6n viec
phet
hAnh c6ng nqtai chiil d6.
C6ng n9 tai chinh cia Ngnn hang bao
gdrr
cic khoan chii:t khau
gi6y
rd c6
gi6
v6i NIINN, ti.:n
gui
vd
vay c6c
TCTD khic, v6n t:ii trq, Liy thic diu tu, cho
vay TCTD chiu rni ro, c6ng cu tdi
chinh
phii
sinh, cAc khoar lii.
phi phii
ta vd
cec khoan
phai
tri vi c6ng nq khtic.
Dinh
gii
l+i
sau

lin
ghi
nhAn ban diu
Hiin tii. c\ur co
qu)
di.lh
!i
dJnI
g:;
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cu
lai cl
Ih
.au
91.
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orn diu.
Tiar vi cic khoin tuong ducrng tian
Tian va cdc Lhoan tumu dLrong tiin bao
gdm
ti€n mat tai
qxj.
cdc khodn tian
gni
knong
lq lan,
cic klod r dd . ru ngan h,I . co rinh rhxnl kho;1
t"o.
Ji d.ng
c\uIen doi

rh:nh r
e.l
\;
rr r.li ro
liin
quar
din riic bien d!,ng
eia
tri.
Cnc khoAn dau tu
Cht?ns khodn kinh doahh fi cht?ns khonn niu tu
rl
.,11
D
t
Ngan hing
TMCP E+i Du@s
199 Nguyan Luorg Bins TP
HiiDumg
860 c6o Tii chinh
Qui
Il ndm 2013
Chimg khoAn kinl doaDh va ch!,"ng
khoAn diutu bao
sdn1
chLng
khoen v6n kh6ns c6 muc dich
kiinsoatdoanhnghi+p!"c\rirgUroannvdoClilhpLL.c.icro.h:c:rJJrgrlC,D)rd,tcri
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roch:c

ki \ re,TCKl,
pni' dr,.t ic loai .hlnr Moin.
r',. \g; r h. ,t nam
"iu
r r;,r
mlrc dich hLrolg ch6nl lech
gi6
ve nim
gin
trong thdi
gian
kh6ng
qui
1 nim duoc
phan-loqi
li
chtng
kho6n kinh doanh; c6c loai chrltrg kho6n
mn Ngan hang c6
i
dinh vA kha nlng ndm
gia
d6n
ngdy d6o h4 duoc
phan
loai ld chtng
kho6n
git
d6D ngdy dro
hqn; c6c chirig

kho6n khi€
dJgc
phAn
lo4i l; chmg
klo"1
.;n .ins
di b:r.
Chmg kho6n kinh doanh
vn chfng klo6n diu tu
duqc
phao
loqi theo hoong din
tqi C6ng vdn s6
260I,NHNN-TCKT ngdy
I4
th6ng
4 nrm 2009 cua Ngan
heng Nhi mi6c va dugc
trlnh biy theo
gi6g6c.
Dgphdng
giam gi6cho
crc chmg
khoin ndy duoc trich lAp
theo
quy
dinl1 tqi C6ng lan
tr6n vd theo hu6ng dan tai Th6ng tu s6
228/2009/TT-BTC ngdy 07
th6ng 12 nim 2009 do

B0
Tdi chinh ban
hlnh. Theo d6, d6iv6i chring khotu
v6n da niCm
y6t,
Ngan hdng
se danh
si6 sia
tri khoan diu tu theo
si6
thi trLrong vdo
niny lap b6o cAo tai chinh;
d6i v6i chfng kho6n
von
chua niCm
y6t
vd c6
gi;o
dich
tren thifudng. Ngan hang
de thuc hien thu thap bao
gie
ir.uc tidp
cna ba c6ng ty chnU klo6n c6 v6n
diau lC 16r hm 300 1i
\rND tqi thdi diCm kat
thlic ni6n dO
k6 to6n da lam co sd
dinh
giA gi6

tri khoan
diu tLr. Khi
giA
thi lrLrong
ting lCn, lqi uAn sc
dugc bir trir n]1mg kh6ng
duqc vrrgt
qu6
klodn
dlr
phdng
di duqrc
trich lap tru6c d6.
Phin
chCnl lech sc kh6ng
duo. c
ghi
nhannhu ldthunhap
cho t6i kli cht"ng
kho6n dxqc brn.
Di'u tu dni hqn
Ddu tLr dai h?n bao
gdm
ctu chung kho6n v6n
vd clc khoen diu tLr vao cac
DLI en c6 thdi han
rir
gii.
rl , roi h.r?i tl
jrh

ro"r rrer I nin. C"c
k,orr o,L I a.i
,n
ur.'c
pl
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rteo gid
eoc.
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phons giirn
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d I
-
rai
I horrg lu
'6
228/2009rI-B1C nsiy 07 th6ng
12 n.m 2009 do DO Tdi chinh
ban hnM I]1j NgAn
hnng danh
g;a
augc t6n th5t co th6 xay
ra cna ho1 dQng ddu
tu. Theo d6, d6i
v6j
cac

khoAn diu tri ddi han
ia a;., tlq ,.r1
gii,n
S:;
r,i.
\g;n
h;'lg
rhuahiin 1u rh;p
rhorg
Lin Li cl,1h
cla cic knoan o,u
tu d6n thdi diam
phnt
henh bio cao tdi chinh
vd x6c dinh
gia
tri
tdi san rdng cua cec khoin
dau
tu tuong rlng v6i
;han
v6n
g6p
Ngen hnng n6m
git
tai cdc
khoin diu tLi ndy, cnng
v6i xet dodn,
danh
gid

r6n
Ih;' co rle \a1 ra din h6r
nan r"i ch Lh oa .;,m co'o
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plor;
gian g
i
cric
"hoan
di- ru. 1 rong trL/org
hgp khong co l\o,
g
-i
r r:; chi ih cui r"c kno"1
d;r rJ din rhoi
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m .
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tinJ Lo
r\c rhr
rl
6p
duqc dd xem x6t lap ds
phdng
iai thdj diam

Ep
beo ceo
tdi chinh.
Ghi nhin
NgAn
hing
ghi
nhAn chrtng Hloan di,u
tu ve c6c knoaD diu tLr
kl6c tai nsiy Ngan hang
hj kiit va
thsc hjen iheo
dlau khoan hgp ddng c6 hieu
]$c
(k6
toantheo ngiy
giao
dich).
Do lrdng
Chrng klo6n diu tu duqc
ghi
nh{n ban diu theo
gid g6c.
sau d6, chtmg lho6n dau
tu dugc
ghi
nlan
theo nguy€n tic th6p hon
giiia
gid

tri lrcn
s6 sech vn
gin
thi trLrong. Gie
tri
ph!
troi vA
gla
trl chiit khAu;hat sinh tn viQc irua bln
c6c chLmg klo6n dAu iu
duo. c
phan
bd vdo bro c6o
ket
qua
hoat dong
kinh
doanh
theo
phuong
ph6p
dudng thang tinh tii ngdy mua
chung kho6n dCn
ngdy d6o han cta ch0ng kloan d6.
C6c khoan dau tu duqc
ghi
nhan theo
si6
g6c
irU di ds

phdng giam gi6
ddu tu. Gi6
g6c
dLrgc
tini lheo
phuong ph6p
binh
quan
gia quyen.
Dint<
t<hi
nh|tl
j
t
I
I
Nsan h:'ng TMCP Dqi Duong
199 Nsuyan Ltr(n1g Bing TP
HAi Duon-q
B:io cio
Tii chinh
Qui
tr nam 2013
C6c
khoan dau tLr chung klloan bi dnng
ghi
nlan k'ri
qulin
rhin du9c cic
luone tjin tv cAc

kno.m .r r ru bi .
h"m dui lo?cl,h'\J;;h;ngd;.luldnciro
phnn l,.r nr ro
rc
loi ,chg"rliin
v6i
quyan
sd hitu cna c6c khoan diu tu.
Uy thic vn ngudn v6n ny thic
Ho
dang u) thdc cux Ng;n hang bao
gom
(rc
hi r thtc: Uy
th6c v6n toan bd
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khoan
ghi
trons hL.p d6ng
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khoin cho vay
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khoan cho vay dLroc triill bdy theo
s6 dunq
g6c
trir c6c
khoAo ng di x6a vd duphdng
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cho vay tai rhdi di6m
k6t thic nicn dO kd toen.
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ngdy ll

thnns 12 nan 2001
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hans
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Quv
ch6 cho vav cna t6
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g gia
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trong
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dinh 193 ve
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dinl
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phdng
cq tha duqc trich
lap trcn rui ro tin dung drnan
cua cec kloan cho
vay theo c6c ti le
tuong tng
vdi
tmg nh6m
nhu sau:
Nh6m Nh6m dllNq
Ti lC d{
phdng
I Nq dt tiCu chuan 0%
2 Nq cin chn
1'
3
Nq duoi iiCu chudn
I Nqnghl
ngd
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Kha nang mrr
\on
5%
20%
50%
100%
Ngan heng TMCP
Dai Dtiong
199 Nguyan
Luong Bing
TPHaiDuore
B60 cio Tii
chinh
Qui
lI nem 2013
Theo
Quy6t
dinh 493,
c6c khoen ns
sc atuoc thLrc hiQn phnn
toai vno thni
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quj
cho
ba
qui
dau nftn
vd vno ngAy
30 th6ng l1 cho
qui

b6n trons nin]
tdi chinh.
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Quy6t
dinl 491,
du
phdng
chung
duoc
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hp d;
du
ptrong
cho nhiing
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phong
cu rhi
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phong
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nlu nor knorn
chi
phi
rren bao
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qui
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ri dlr
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li cdc kh^an
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DU

phdng
cho
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bing
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dinh
t8 cna Ngan hdng
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cric nh6m iheo
quy
dinn
qi
Di.ju 6 \a
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oinl- int,
k]l:c cr I
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o,n c,1
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Dr
phdng
chung duqc
trich 1np bing
0,75% torg
gia
tri cdc rhoal
bio t,nh. chap
nltin thanh
toAn
vd cam ket
cho vai, kh6ng huy
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duoc
phrn
toai tu
nlom I den nhdm 4
lai ngdy 31
th6ng 3. Du
phdng
cu tha cho cAc carn
ker ngoai
bdng duoc
rrnh
tuong

hr ntrLr du
phong
cJc khoan
cho
\dy
(1;.h
hang r?,
rhr)er
rn:rfi
rrer.
(
n:
ttr
dr
phorg
duqr t-acn
rod,l
vdo
kltoin muc "Chi phi
du
phdng
riri ro tin dung rren
bao cio ker
qua
hoa!
d6ng kinh doanh
vd s6 du duoc
theo dditren
kloaD muc cac kloan
no kndc cria bdng

can d6i k6 ro6n.
Tii sin c6
dlnh hnu hinh
vn l,]l:iu hao
Tdi sar c6 dinh
htu hinh duqc
lrinl biy rheo nguy€n
gi6
trir
gi6rri
hao mdn
lny k6. NsuyCn
gid
tai san c6
dlni htu hlnh
bao
gdm giri
mua r,d toin
b6 cAc chi
phi
khdc
li6n
quan
rnrc ti6p
den
viec dua
tdi san vdo tqng
thfi san sdng
sn dung. C6c chi
phi ptdt

sinh sau khi rni
san c6 didl
hi"u hinh
dA duoc dua
vao hoat dong
nhu chi
phi
sta chiia,
bao duang vd
dAi ru thLrdng duo. c
hach toAn
vdo b6o c6o
k6t
qua
hoat dong
kiDl doann tai thdi
di6m chi
phi phdr
sinh Tnrdng hgp
c6 thC chlmg
minh mot
c6ch rd ring cec
chi
phi
ndy lim
tang loi ich kinh t6
trong tuong lai du
tinh
thu duoc tu viec
sir dung tai

sdn c6 dinh hnu hinh
vlrot rrCn mtc hoat
d6ng tiCu chudn
da
duoc denh
gi6
ban ddu thi
cric chi
phi
rly
duoc rcin hoa nhu mot
kho;n ngu)in
gia
raru them
cna ti;
sen c6 dinh hn"u
hinh.
lfl'
.,r
r cd
dir r hrru lrnh
d roc Ur;r tao
rrco
pnuo-g plio
duo|g
rh,ne
o.ra
rrdn $o,giar hir
duns u6c iinh
crla tai san. cii

rii! rhu sau:
.,1
j)
t
Nsan
hang TMCP
D?i
DrroDA
199
NguyEn
Luong
Bins
Tp FIei Duonq
Bro
c6o Tii
chinh
Qui
ll iem
2013
Loai
tii
siin
Nhd cna,
vat ki6n
tnic
MAy m6c,
dn&
bj
Phuong
tien

van
rai
Thiiit bi
lin
phdng
Tai san
c6 dinh
kkic
Thdi
eian
hiru
dung urc
tinh
(nim)
10-20
0i-08
06,
10
03-05
05
Tni
sen c6
dlnh
v6 hinh
vd khiiu hro
Tdi
san c6 dinh
v6 hini
thii hieD gie
ri

quyan
sLi
dung
d6t,
phdn
trim mey
tint vi
rai san c6
dinl
v6.hinh
khac
duoc
ghi
nian theo
ngu],en
giA
tri
gi,
tri hao
lndn tny
k6. Gi, tri
quyan
sa
dung
dAt
v6 thdi lan
kh6ng
duoc kh6u
hao.
ci6 tri

phan
mam
m6y rtnt
a,roc t tii,
frao tt *
phuong
ph6p
duong
thing
trong thdi
gian
li
08 nam.
Gi6 tri tii
san v6 hinh
tl6c du(]c
k116u hao
theo
phuong
ptuip
duong
th;ng
trong thoi
gian
li 03
nim.
C6c kho:in
chi
phl
trA tru6c

Chi
phi
tm
lrudc bao
gdm
khoan
tre
tnr6c ti6n fiu6
\an phong
\a
cac klodn
chi
phr
rra !ro6c
khAc.
Tian
thuC vAn phdng
th6 hiCn
s6 tidn
thu€ vin
phdng
de
duoc tra
tru6c. Tian
i\u€ vin
phdng
rrd
trlr6c duoc phen
b6 vdo
bro c6o

k6t
qua
hoat
d6ns kini
doanh
theo
phuors
phep
d;g tiins
tuong
tug vdi
thdi
giar
thxe.
C6c
hoan
chi
phi
tla trlr6c
kh6c bao
gdm
chi
phi
sLia chnA
bao duong
tij
san,
gie
iri
c6ng oH,

dung cu
da xu6t
dirng vd
duoc coi
td c6 khd
nang dem
tai Iqi
ich ki;
16 fonftuo:,g
tui"lo
Ngen
hang-
Cnc chi
phi
nay duqc
v6n
h6a dudi hinh
thric
c6c kloan
tA tru6c
vd duoc
phan
b6
vdo
bao c6o
kiit
qua
ho?r d6ng
kinh doani,
sn dung phuorrg

phAp
dudng
rhing
trong vdng
tir f
ddn 36 thang
theo
c6c
quy
dinh k6 totu
hiCn hanh.
Du phdng
cho
cdc khoin
!h:ii
lhu Lh6
it6i
DU
phdng
cho cec
kloan
phai
rhu kh6
ddi
da
qud
han
thanh roan (cic
khoan
nh6n

Tra cham
u)
thdc dau
tu, Tian
giri
tai
cnc t6
chnc fn
duu kn;c.
U) rhdc
diiu ru. Dnu
tu trrii phieu,
ph;
thu
hgp ddng
ben
ki hqn
chring
khodn, Tam
nng,
Ung trudc )
duoc-rhuc
hio,
th*
Th;;;;
sd
228/2009/TT-BTC
ngdy 07
th6ng t2
ntun 2009.

Theo
d6,
du
phdng
cho c6c
kioao
phai
rhu kh6
ddi tat
thdi di6m
kiit thnc
ki hoat
d6ng duo.
c x6c
dinl dua
nCn
viCc si dung
c6c
ti 1€ dU
phdng
sau
day diii
v6i cec khoan phai
thu tqi
ngdy ket
thrlc Li
hoat dong
sau
khi da trir
di

g;e
td tai san th6
chip
da duoc
diDh
gi6.
II
il
Ngen hing TMCP Dai Duong
199 Ngulgn Luong Bing TPHdiDLrmg
860 cro Tiri chinh
Qui
1I ndn2013
Ihan
girn
qunh?n
Ti lC du
phdng
Tn 6 th6ng dCn du6i 1 ndm
3CrP/"
5r}/o
7U/,
140%
Ti! l ramddn duoi2 nim
Tir 2namddn du6i3 nim
Ti 3 nimtro
len
Lqi ich cna nhin vi6n
Thco BO lue.t Lao dong
viet

Nam,
khi nhan vi6n lim viec tir 12 thing ud lan
(
nlan vi€n dLi
didu kien") tu nguyQn ch6,.n dft hqp ddng lao
do.g cna minl thl ben sil dung lao dong
phai
raanl'ro:n rie-
nnc"p
rhoi
ri";c o-ra r-in,o
.l;m
lam
\iec
'a
mu. .tlong
1i rl(, di;T rh6' \iec
da
nhan
vien d6.
Du
phdng
trq cip th6i vi'Ac duqc lqp rrin co sd io o
qLri
luong dong bao hiem
xa l6i cia Ngan hang trongnim.
Theo LuAt BaLo
hi6m xe hoi, ka til ngny 0l thAng 01 nam 2009,
Ngan hing vi c6c nl1an vidn
phai

d6ng vdo
qui
bao hi6m rh6! ngliep do
Bno hiam Xa hoi Vi* Nam
quan
li.
Mnc d6ng boi
n6i bCn drqc
tinh
bing
1% cria mric thip hor
giira
lumg co ban
cia nhan vi6n ho4c 20 lan
mLic luong t6i thi6u chung dLrac
Chinh
phn qu)
dinh trou trmg lha,i
hi. Vdi viQc ip dqng ch6
dO bdo hiam th6t
nghiep, Ngan hnng kh6ng
phdi
lAp d$
phdng
trq cip th6i
viec cho thdi
giao
tim viec cira an vi6n sau ngiy 01 thing
0l ndn 200q. Tu) u,hi6n,
rrq

cdp tloi
liec phai
ht
cho cac nhan viCn dn diau kien se duqc x6c dlnh
dqa tr€n s6 nim tnm viec cia nhan
viCn dugc
tinh diln ngny 31 rhang 12 nin 2008 vd nrlic
luong
blnh
quan
cira hQ tong vdng s6u
thing
tnrdc thdi di&n th6i
viec.
Viin vn c5c
qu!
Lo
lltle rtn
tfiolg
C6
phi6u ph6
th6ng dLrqc
phdn
loqi ld
v6n
chn
sd hi'Lr.
Cec
chi
phi phit

sinh trsc dap
lien
quan
d6n vi6c
phAt
hdnh
c6
phiiiu ph6
th6ns dusc
ghi
nhan ld mol
khodn
giAm
tn]
vio
v6n chi sr:r
hi:u.
rh{ng du uin ci
phin
Khi nlqn v6n tn c6 d6ng, ch€nh
lech
giaa gia phii
henl
\i
minh
gia
cua c6
phiiu
dusc
ghi

n-h{n vno th{ng du v6n c6
phar
trong v6n chi
sd hiru.
Khi mua 1fl c6
phiiiu
da
ph6t
hinh, t6ng s6 tih
tha
todn, b.ro
g6,n
cic chr
phi
len
quan
trlrc
tii,ip cho viQc mua l{ c6
phi6u,
sau kl trii c6c
loqi
!hu6, se duqc
ghi giim
vno v6n chn si hru.
C6
phi6u
mua
lai
duqc
ghi

nh{n le c6
phiiiu qu!
vd duqc trinh bay
ld moi khoen
si:im
tru lrong
v6n chir sd h[u.
Ctic
qui
dU tY
C;c
qli
du
rru
ouoc
.u
d| rp c\o c;c nuc dilr
cl,n< \a o.roc rr cl . ro rhuin
-
rlnr e ci-
NgAn hnng dua tr6n cacti lC
quy
dinhtheo tridl ls sau:
Nsen heng
TMCP
Dai Duong
199
N-qu]6n Luong
Bing
TP HaiDtrons

860
c6o Tii
chinh
Qui
rrnem20l3
-
Qu!
b6
srmg v5n
diiu l€:
5% loi nhuen
sau thu5,
16i da kh6ng
vuor
quA
v6n diAu lQ
cna
Ngan hdng.
-
Qui
du
phdng
tai chinh:
1 0% loi nh
an sau rhu6,
t6i da kh6ng ruclt que
25%
v6n diAu
li cna
Ngan hang.

- CAc
Qui
dau
hr
phfi
tri6n,
Quy
khen thuong, phric
loi va cec
eu,
kt6c: aich
16p theo
quldt
djnh
cna D4i
h6i ddng C6
d6ns cna
NgAn hang. Ti
1e rich lap
crc
eui
nAy
do Eai h6i ;dng
Cd d6ng cna
Ngan hnng
quy
dint,
phir
hop vdi
c6c

quy
dinh
cia
p1fip
luet
Cec
quy
du rr.ii
nAy se
duoc rrich lap
vao thdi diem
cu6; n;Cn
dO tii toan.
PhAn
loi nhuAr
cdn
lai sau khi
trir cAc
khoan trich tep
c6c
qui
n6i rrCn vd
chja c6 tirc
cho co
d6ng duoc ghi
vao
loi nhuan
sau rhu6
chuaphen
ph6i

cria
NgaD hing.
NSo?i te
Cic nghitp
vu
phar
sinh bing
c6c lo?i
tian t€ kh6c v6i
VND dLroc
chuy€n d6i
sang VND
rheo ri
gia
tai
ngdy
phet
sirh nghiep
vu. ChCnh
lech r!
gi6 ph6t
sinh
tir cnc nghiep
vu niy
duoc hach
to6n
vdo b6o
c6o k6t
quA
hoar dong

kinh doanh.
56 du
c6c iii
sen vA c6ng
no c6
g6c
tidn t6 khAc
vrii \,t\JD
tai ngdy k6r
drLic nien
d6 duo. c
chuyCn
d6i sang
\4,{D theo
ri
gie
tai
ngiy niy.
Ch6nh lech
r!
giA ph6r
sinl1 do dinh
giA
l4i cac
tai khoan
niy
dlroc hach
totu vAo khoan
mlc
Cheuh

lech
li
gin
h6i doAi"
tr€n mLrc
V6r chn so
lnu.
Cuiii nnm
€i chi.l,
ch€nh
lCch ti
gii
duoc k6t chuy6n
vdo
b6o cro k6t
qud
hoat d6ng kini
doanh.
Doanh
thu
I-hu
h4p
hi
Thu
tn lai duqc
ghi
nhan
duar6n
phuong
ph6p

du
thu d6i \r6i
c6c khoAn
no xAc dint
ld c6 Hra
nang
thu h6j
ca
g6c,
Iei
d[ng rhdi lan
vi kh6ng
phai
trich
du
phdng
ni] ro
cu th6 ilco quy
dinh
hi6n
ha .
Sit lai
phdi
rhu da hech
ro6n thu nhap nlung
d6n k! Ian rd
no
(s6c,
tai)
kIAc; hens

kl6ng trd
duoc dnng
han, rd chnc
dn dung
hach to6n
vdo chi
phi
hoar
d6ng kinh
doanh vd
theo
d6i ngoai
bang dd d6n
d6c thu.
K]1i thu duoc
thi hach todro
vio rhu hoat
d6ng kinh
doanh.
56 hi
phaithu phit
sinlnongnam
cua cec khodn
nqqu6han
khdng phai
hach
to6nrhu nhap,
t6
chtc
tir dung

theo d6i
ngoai bang
d6 d6n d6c
fiu, klirhu
duoc thi
hach toAn
vdo thu hoat
d6ng
kinh doar
r.
l-hu
hip
ti tlich
yu
Doanl
thu
cua
giao
dich
vd cung
ciip dich vg
dLroc
ghi
nhan
khi k6r
qua
cna
giao
dich d6 du!,o
xec

dini rrrQt
c6ch deng
tin cay. Trulrrlg
hop
giao
dich
vA cung
cip dich vu
liCn
quan
d6n nnieu
h,
rhi doanh
thu duqc
ghi
nhen
ffong ki theo
k6t
qunphdn
c6ng vi{c
dahoin ttdnh
tai ngAy
ctn
bang can
d6i kij
to6n cna hr'
d6. Ki:r
qua
cna
giao

dich
cung c6p
dich \.u duo"
*A" ai"fr
lf,i tr.,a"
man
t6t cab6n
(4)
d;aukien
saui
,l
Nsan hing
TMCP Eai
Duons
199 Nguy6n
LumgBAng-TP
Hdi
Dumg
B60 cio Tii
chinh
Qui
rr
nam2013
(a)
Doanl thu duoc
x6c dinh tucmg
d6i chic chin;
(b)
C6 kha ning thu
duoc lgi ich kinh

t6 tn
giao
dich
cung cdp dich l,u
d6:
(c)
X6c dinh
duoc
phin
cdng
vi6c da hoan rhanh
tai nsdy cia
bdng can d6i k6 to6n;
vd
(d)
Xac dinh
duoc chi
phi phAt
sinl cho
giao
dich
vd chi
phi
d6 holn
thtuh
giao
dich cung
cAp djch
vu d6.
Chi nhir

c6 ttlc
C6 tfc nhan
duoc bing
tiin lnit iir hoar
d6ng diu ru duQc
ghi
nl1an vio
bro cio k6t
qua
hoar
d6ng kinh
doann khi
quydn
6n
c6 tirc cira Ngan hang
duoc x6c d1nh.
D6i v6i c6 ruc
nhan
dlr6i dang
c6
phi6u,
c6c khodn duqc
chia bing c6
pli6u
ti! loi nhuan
cna c6c c6ng ty c6
phan
kh6ng
duoc
ghi

nhan
rong
bAo c6o tai chinh theo
Th6ng tu
s6
244/2009/TT-BTC
ngdy
3t
thing
12 nem 2009.
Chi
phi
yay
Chi
phi
ray
duoc
ghi
nhan
ld khoan
chi
phi
trong kj, khi
cac chi
phi
nAy
pt6t
sinll va dugc
ghi
nhen tu6n

bdo ceo k5t
qudhoat
ddng
kinn doanhtheo
phu(nlg
ph6p
ddn tich.
Thue hoBt
il6ng
C6c khodn
thuC md
va ban chat iAt
ca cnc
quyan
lqi
vd rni ro vd
quyain
sc, htu cac tdi sen \an
thuoc \,4
ben cho
thue dugc hach
to6n la thuC hoat dong.
Chi
phithuC
hoar
d6ng dugc
ghi
nhan
vao brio ceo k6t
qun

hoat dong
kinl doanh khi
ph6t
sintl trong su6r
thdi
gianrhue.
Thu6 thu
fiap doanh nghiep
th€ hi€n t6ng
giA
tri cia s5 thu6
phai
tra hiCn tai
vd s6 thu6 hoan
lai.
56 thu6
phai
tra hicn
tai duoc tinh
dua tlor thu nlap chiu
thu6 trong narn.
Thu 6p chiu
tlue
Llac
!di
ldi nhu.n rh-in
d ,oc
-rr1 ba) rri- bio cao kdl q
r; ro" d g ti
rlr do]| 1

vr
rhLr
nnip
chiu thu6
kh6ng bao
gdln
cAc khodn
rhu nhap hay chi phi
tirh rtu6
loac duoc khru
trir trol8
c6c kj, kl6c
(bao gdm
ci 16
mang sang, n6u
c6)
vd
ngoii ra
kl6ng bao
96rr
c6c chi rj6u kh6ng
chiu thu6
hodc kh6ng
duoc knAu
tru.
Thu6 thu
nlap hoen
lai droc rinh
rren cAc tdoan chenh
lCch

gifi.a gid
tri
ghi
s6 vi co
sd iinll
thu6
thu nlap cua
cAc kAoan muc
tdi san hoac c6ng
no tren b6o
cAo tdi chinh ve duoc
ghi
nl1an
theo
phlrong
ph6p
barg can d6i
k6 to6n. Thu6 rhu nnap
hoAn lai
phai
trA
phai
duoc
ghi
nhan
cho
tat ca c6c khoan
chCnh lech
tam thdi cdn tii
sAn rhu.i thu nhAp

hoan tai chi duoj
ghi
nMn khi
chic chin
c6 dir loi nhu{n
tinl thu6 rong
tumg lai de kh6u
un c6c khoan ch6nn
lechtam thoi.
1
i
i
(
\
Ngan
hnng TMCP
Dai Duong
199 NguyEn Luong
Bing
TP Hai Duone
B:io
c6o TAi chinh
Qui
II nam 20ll
Thu6 thu
nlap hoan
lai du'oc xec dinh
theo thu6 sudt
du tinl sE Ap dung
cho kt tei san duqc

rhu
hdi
hay no
phai
td duqc thanh
to6n. Thu6 rhu nhAp
hoan tai duqc
glri
.han vio beo c6o
k6t
qua
hoAt
d6ng kinh
doanl vi
cli
ghi
vno v6n chn
so hitu khi khodn
thu6 .16 c6 li6n
quan
d6n cac
kloin
muc duoc
ghi
thing vdo v6n
chn sd htru.
Tai san thu6
thu nlap hoan
lai va no thu6
thu

nhap
hoen 1At
phai
ra duoc bn
dr
khi
Ngan hdrg
c6
quyan
hqp
ph6p
dC
bn t r
gitra
tdi
san thu6 thu nhep
hien hanh v6i thu6
rhu nl1ap hi6n tlnh
phai
nop
va khi cic
tdi san rhu6 thu
nhap hoan tai vd
no rhu6 thu nhAp
hoan tai
phii
rn
li6n
quan
t(ii thu6 thu

rfiap doanh nghiep
duoc
quan
li
bdi cirng mot
co
quan
rhu6 vd
Nean hang co
dU
dinh
rhanh
lo; lhuE thL nh;p
n en hanh nen
co so
rlurn.
Viec
x6c dinh
thu6 thu nhAp
cna Ngan hing cen
c.l v:io cec
quy
dinir hien hAnh
va rhu.i. Tuy
nlien.
nhi.ng
quy
dinll nny thay
d6i theo $ng rtdi
ki ve vi6c x6c

diln1 sau cnng
vd thu6 thu
nhap
doanh nghi6p
dy thuoc
lio k6t
quakiAln
ta
cnacoquan
thLrd c6 thdm
quydn.
Cic loairhu6Ur6c
duoc
rip dung theo
c6c luat thu.i hiCn hafi
tai ViCr Nam.
Cic
cam L6t
ri
b:io lnnh ngoii
b:ing c;n d6i k6 to:in
Trong qu6
trlnh
hoat d6ng kinh
doann, tai bAt kj'
thdi didm nao Ngan
hang tx6n c6
cAc khoAn
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o dul,i d g c"c.,roan
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cu6i
ki
\ND
172.337
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24,506,519,280
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ki
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gui
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1,7 65,919,189,607
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l.r 85.r42.179.568
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Tien g&i
tai Ngan
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sti
drr trl
bfu bu6c ve tai khoan
thant
toan. Theo
quy
dinh cria
Ngan hang NhA nu6c vA
dLr trii bit
bu6c, c6c NgAn hdng
duoc
phep
t0
Ngan
hlns TMCP D?i Duong
199Nguyan
Luons Bing TP H,!i Dsong
Bro
cno Tni chinh
Qui
II nnm 2013
duy rd mot s6 dLr tha ndi tai tai khodn
du tr[ bit buoc. Cu tha.
theo
Quy6t
dinh sii
379/QD-
NHNN ngdy 24 theng
02 oam 2011,
Quy6t

dinh
s6 1209/QD-NHNN
nga.v 0l thang 6 ndm
2011
vn
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dinh s6 1972/QD-NHNN
nsdy31ltdng
I nim 2011:
Ti I,a dutrtr bit buoc d6i roitiin
gLii
bing rlirg
Vier Nam 6p dqng cho
cec t6 chfc iin dllng
tii
nsiy 31 thAng 03 ndm 201i
ld:
Ti lC ds tr0 bit buoc
d6i v6i tian
gni
kh6ng lqi han vn c6 kr'tan duoi
12 thing bing
ddng ViCt Nam
ld 3% d6i v6i s6 dr.r dan
grii
binh
quan
thang tru6c
(tai
ngiy 3l th6ng 12

ndrn 2012: 3%);
Ti lC du trft bit buoc d6i vdi tiir
gni
tn 12 rh6ng trd len bing
ddng ViCt Nam la
1% d6i
vdi s6 du ti.jn
gni
binh
quanthing
trLrdc
(ta;
ngiy 31 thAng 12
nrn 2012: l%)
Ti lC dlr tre bit buoc d6i v6j
tiAn
sLli
bang ngoai
tC 6p duns cho cnc
td chtu tin dlng tai
ngiy
l0 thrng
06 nim 20i3 In:
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diii v6i tian
gni
khong hi hrd
!a
co
lq h4n dudi t2 thdng

biog
ngoaj te Ie 8% d6i vdi s6 du tian
gii
binl
quan
thang
tnr6c
(tiri
l1gdy 31
thing 12 ntun
2012 8Y,);
Ti lC dlr
rrt bit buoc d6i v6i tiAn
gni
hr 12 th6ng 116 lon bing
nsod tC h 6% d6i
v6i s6
du tian
gti
binh
quen
thing tru6c
(tqi
ngly
31 theng 12 nirn
2012: 6%).
Ti le dstrn b6! buoc
d5i v6i c6c t6 chnc
fin dung 6p dqng cho
ti.jn

gti
bi{u ngoai
te cua
ciic t6 cbic tin du g o
n'6c ngoni lA l %
r6n
s6
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i
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TIE\ C I
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cho vay vn
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khic
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gni
kh6ns ki

h?n
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-
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tE,
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-
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cu6i kj,
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s40,ss2,282,330
44,322.t78,502
496.230,103,828
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3,120.470.750.000
926,130,936,000
Diu k!
\ND
694,093,231,329
61
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632,891,231.594
10,218,701,278,000

8,361,470,750.000
1.854,231,s28,000
,1,587,1s3,968,330
10,912,797,s09,329
Nean hins TMCP Dai Duonr
199 NsuyEn
Luong
Biing TP Hdi Duong
Bro c:io Tii chinh
Qui
II nim
2013
Cho vrv cic TCTD kh6c
- BAng
\ND
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tg, \ang
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vay
cac
tO
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khac
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7. CH{ING KHoiN KINH DOANI{
cu6i ki
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9,107,003.075,556
(318.011,203,067)
Ddu k!

\ND
4,424,581,000,000
(212.395,060.000)
8,788,961,872,489
4,2
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88,9,10,000
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Chfng
khonn
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-
trn
phreu
klro bac nhx ruoc
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cu6i ki
\\D
20,001
,216,664
20,007.216,664
8,918,152,533
18,099.022,337
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oiu k!
\,ND
20,019,689,019
20.0r9,689,049
28,s28,388,871
41,219,113,26t
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28,925,199,197
48,548,077,920
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I
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29,173,955,814,829 27,941,149,189.853
12
Nsan hinlr TMCP Dai Duong
199NguyEn
Luong Bins
-
TP Hni Duong
B60 c6o
Tii chinh
Qui
II nam 2013
PltAn ticl ch6t luqng nr,- cho
vay:
Ng dLi tieu chudn
Nq cdn

chri
i
Nq nghi
ngd
NO co lJla nang mat von
16ng
Phin tich dr
nq theo thdi
gian:
oAu k!
\ND
25.693.573.5 I 5,160
1,252,r
38,955,089
r 34,154,459,557
139.208,50s,696
722,013.754,051
Cu6i
ki
VND
27,803,i72.988,397
|
,401,29'.1 .412,312
81,529,209,696
229,1t7
,173,883
355,139,030,sr
I
29,473,955,814,829
27,911,'49,r89,853

Nq ngan han
Nq t ung han
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16ng
-
Phin tich dungtheo d6i tuong
kh6ch hing:
C6ng ty nid nudc
C6ng
iyTNHH I thad viCn do
nhdnu6c sd hiiu
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Colg r\ TN}IH 2 Lhanlr
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14,592,083,959,529
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27,911,119,189,853
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923.110,518,866
1,397.106.175,156
3,959.800,000
6,082,639.481.086
585,085,769,690
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31,282.176,680
261,781,431.905
6,825,216,000
3,337,125,405,r05
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965,769,055,772
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5,2r3,600,000
4,018.865,988,184
573,592,733,822
16,349,903,261,149
27
,435,302,13
7
251,548,136,869
305,812,071,750
3,426,93 9.5
l 8,752

614,683,318,562
lt
27,941,149,189,853
Nsan hdng
TMCP
Dai Duong
I99 Nguygn
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II nam 20 I
l
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256,233,427
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612,041,912,819
296.2',7',7.07
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479,813,539,496
219,871,087,781
36,362,339,762
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179.210.680.000
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phn
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11,377,801
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ching
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13,8s2,020,158,76s
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1,472,783,569.978
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504,435,294.000
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13,s2r,598,134r24
6.900.940,990,830
1.797.840.9
71.691
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21,351,990,000
513,985,464,000

14
14,234,115,2b2,16s
13,8sr,5{5!738,22,1
Ngnn hang TNICP D?i Duong
199 NguyED Lumg Bing TPHeiDuons
Bio c6o Tii chinh
Qui
Il nnm 2013
b. Chtng
khoin dau tu
giir
d6n ngiy dio
hqn
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cec t6 chfc tin dung
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trong
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den
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ty CP DAu tu PT nld vd
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phin
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68,',756,761,146
523,803,967,709
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68,1s6.161
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523,803,967,709
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ri
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13,000,000,000
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40.000,000,000
23,360,761,808
15,508,2i5,000
15,569,125,000
12,384,859,803
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2,200,000,000 6%
1,696,000,000
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15,569.125,000
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68.756,76',7,146
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t
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Ngen h:'ng TMCP Dai Duong
199 Nsuygn Luong Bing TPHdiDuong
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20ll
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goc
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ph.",
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100/.
3%
10%
2%
2%
2%
2%
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2%
1%
3%
t0%
10%
t%
5%
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C6ngty Cii
phan
Tu vin XD
DAu tLr Ddu
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C6ngtyThny san vdDich vqtThumg
mqi
HnNoi
C6ngty CP Ddu tu Phtit triCn GiaDinh
C6ngty CP Tu vdnDu an Dien
lqc Diu
kti
C6ngty CP Thi c6ng co
gitri
vn lip miy
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C6ngty CP Xny lip Diu khi HdNQi
C6ngty CP Xny l6p Diuk}t
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C6ng
ty CP Kinh doanhDich vu cao c5p
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ty CP D.iu tu xay dung Vinaconex
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ty CP Xdng diu Diu kli Th6i Binh
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VND
3,000,000,000
1.817.961.500
57,200,000,000
4,000.000,000
20.000.000,000
10.000,000,000
25,000,000,000
i3,000,000,000
5,500,000,000
6,500,000,000
2,500,000,000
2.400,000.000
10,000,000,000
4,000,000,000
5,600,000.000
5,000,000,000
1,300,000,000
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10,000,000,000
800,000,000
7,355.000,000
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26,090,000,000
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1,000,000,000
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20,000,000.000
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10,000.000,000
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25.000.000,000
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11.000,000,000
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5,500,000,000
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6,500.000,000
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2,500,000,000
5%
2,400,000,000
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10,000.000,000
2%
4,000,000,000
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5,600,000,000
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5,000,000,000
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40,000,000,000 t0%
800,000,000
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7,35s,000,000
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1,100,000,000
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26,090,000,000 5%
7,063,221,598 1r%
Ngan hing TMCP D?i DuonA
199 NguyEn
Luong Bing
TP HaiDuoog
B:io cio Tni chinh
Qui
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niv
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cin
gi6c
VND
22,000,000,000

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10,413,800,000
21.000.000.000
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33,915,000,000
r 1%
10,4D,800,000
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21,000,000,000
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goc
VND
fi
ph.a;
nrq
giir
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.,''.2
.!
zO
Z'E
q.E
o
=
p
dy
Ngan hang TMCP Dqi Duong
199 NsulAi LucngBing TP Hai Duons
860 cro Tdi chinh
Qui
II nam 2013

13. TAI
SAN CO
EINH
vO HiNH
Ting,
giirn
tni san cii dinh v6 hinh
Qui
lI nnm 2013
Quyin
si;
dr.rng ddt
Dan
ri
til1h
\anD
Kho6tr nlc
Phin mlm
k6 toin
TS v6
hinh
c0ns
Nguycn
sin
s6 du diu k]'
Thdnh li, nhao
s
bdh
77,r05,900!000
46,92',7,031,639 1,817,853,667 126,150,788,306

aaa,000
33,000,000
31,819,144 4,744_000
56 du cu;i Li 77,,105,900,000
.16,933,t85,239
I.773.151.667 126.112.238.9t6
Gi, t4 hao ma,n luy k6
s6 du diu ki
Sii tang trons ki
56
giam
trong ki
-
Thdnh li, nhuqns b,in
25,6.18,819,83,1
2,542,905,492
1,491,234,216 27,1.13,05,1,080
t14,305,570
2,637,211,062
31,819,14t
4,700,444 76,5.19,444
s6 du cu6i ki
28,159,875,926 1,s93,839,816 29,753,715,712
Tai nqil iliu ki 323.619.42r 99,007.734.22677,40s,900,000 21,278,214,805
Tai ngny cu6i kl 77,405,r00,000 l8!773,309!3I3
179,313,8s1 96,358,523,164
I
I
,l
11. TAI S,iN C6 KHAC

Chiphixay dung coban do dang
Cec khonn phni ihu
-
PhAi th! bCn nsodi
- Ph.ii thu n1i bi
Lai vn phi phni thu
Tii san C6 khAc
Dsphdns rir;ro cho cnc taisin C6 khec
16ng
cu6i ki
VND
786.995,889,007
55s,376,590.340
160,171,388,795
391,945)01,515
2,910.020,194.318
462.244,527.t 25
(56,055,682,053)
Diu k!
1,'IID
785,03,9,822,9 70
898,208,392,199
170,621,801,760
427,5U6,587,439
3,020,085,761.733
464,09.1,712,558
(46.187.066.395)
,{,678,581,718,737
5.121.241.623.065
Ngan hang TMCP D?i

Duong
199 Nguygn Lumlg Bing TP Hdi Duong
B,io c:io Tii chinh
Qui
II nam
2013
i. Thuy6t minh
\aChiphi
\6) d,,rDgcdbdndo
dang
-
M6J
phan
QSDD
tai
16 HH, khu D6ns Nam,
IrAo Duy Hung
-
Du An khu d6
thi Nam An Khtnh Pham
Hnng, Hn NOi
-
'l
runa ldm dao Lao c6n ba OJB
!; \
P
rru
d chi
r\:nh rren
^jrL

d.il rri
xa Trung Vdn
-
DU An K}lu chr.uu cu Ha Dlnh,
Thanh Xuan
-
Ddu tlr Dlr 6n Binh Ph[, Phnng
xli
DF ar Trung tam lhuong
mai, siCu thi, van
phdng
SSG
MuaQSDD
vdtii san tr6r d6t tai LO
Quang
DinI
-
Mua sim khac
b. Thuy6t
minh va Cnc kho:in
phii
thu b6n ngoii:
- Kj
qu!,
th6 ch6p,
cAm c6
- Phai thu ban
TSDB dA thu na
- Tam ung thanh toan
hqp ddng

-
Phai thu bcn nso;i khAc
c. Thuy6t minh
va Tni sin c6 kh6cl
- Uy thec
dAu tlr, cho vay
- Chi
phi
chdphan b6
-
C6ng cp lao d6.11g vd vat
UCU khic
s6 tiin
\,ND
430,000,000,000
1i9,000,000,000
100,000,000,000
12,990,700,000
37,785.000,000
24,650,t29,088
16.134.222,168
6,135.617,151
786,995,889,007
r,'l\ID
1,051.800,000
51.472,849,045
4'1
,459,852,525
3,103,370.0r5
55,383,517.2r0

160,,r?1,388,795
s6
iian
VND
398,557,800,000
57,7,10,068,512
5,9,16,658,6r3
L
1
J
162,241,527
,t2s
20
Ngan h:ng TMCP
D?iDuong
199 Nguyan Luong Bdng TP
HAiDuong
B60 c:io
Tii chinh
Qu,
lI nam
20]3
15. TIiN C I]I V,i. VAY CIC TCTD
KHAC
Tiin, virng
gui
cua cic t6 chnc tin d
{ng
kh:ic
Tian, vins

gni
kh6ng ki h?n
-
BinS
\rND
-
B;!s vnns va ngo?i tC
Tian, vins
sni
c6 kJ han
- Bins vND
-
Bang vang vd ngoqite
16ng
Vay cnc t6 chnc
dn drtng khnc
- BinS U{D
- Bnng vnng vA ngo?itC
16ng
Tiog tiin.
rnng
gui r ir
ray
crc t6 chn.
rin
dgng
khdc
I6. TIEN CI]I CUA KHACH
HANG
TiAn,

vnng
gni
kh6ng
ki h?n
- Tian
gui
kh6ng k, han bing
\4.1D
-
Tian
grii
kh6ng k' han bing
v?ins, ngoai 1e
Tian,
vnng
sni
c6 ki hqn
-
Tidn
grii
c6 k! hsn bang VND
- Tian
gui
c6 ki han bing
vang, ngoai !e
Tidn
siri
v6n chuy6n
dnng
r rcn

gur
ky
qu]
T6ng
cu6i k"
VND
302,034,803,217
79.6t4,593.788
222,400,209,129
1,620,301,63,r,9s3
1.199,581,634,951
420,720.000,000
oiu ki
\,ND
253,691
,103,462
23,935,081,473
229.762.421,989
6,0,{5,080,8,18,620
4,691,260,848,620
r.353,820,000,000
r.922,336,,138,170
6,298,777
,9s2,042
cu6i k!
10,904,,192,711,882
1,9,19,012,000.000
Deu k!
'7
,622,A08.A86,22',7

1,770,380.000.000
I2.853,s04.711,882
9.392.388.086,227
14,775,811,I50,0s2
15,691,166,038,309
cu6i
kj,
VND
5,965,149,005,603
4,316,0,17,3,15,214
1,649,r01,660,389
37
,838,714,161,132
34.839,212,10',1
,552
2,999.501,953,880
353,13a,271-273
159,252,927,699
Diu
kj
\,ND
7,604,s6s,905,554
s,391,042.i65.981
35,517,538,767,151
32,679,397
,500,14I
2,838,141,266,453
410,341,656,123
41
,790,831,663

21
1{,3I 6,884,3
66,007
13,610,237,161,094
Ngen hnng TMCP Dai Duong
199 NguyEn Luong Bang TP Hiii Dumg
860 cio Tii chinh
Qui
II nam 2013
17. CiC KIIOAN
Nq KHiC
CAc ](]1oan 1ai
va
phi phai
fa
Cnc khodn
phei
re noib0
Cac
khoan
phei
tra ben ngodi
Doanh ihu chd
phan
b6
Dq
phdng
rLii ro kh.ic:
- D.r
phnns

ddi fii cd!
can kit d'ta ra
T6ng
cu6i k,
\,.IID
13,404,522,613,630
'7
.717 ,319 .111 ,211
282,696,144,186
1,925,517.979,880
666,319,136,740
7887949732
2,381,255,139
t,450,604.419,94',7
1,271,r88.079,799
r3,2r8,173,122,654
r.67419E+il
165,042,170.615
14,316,1r84,366,007
cu6i
kri,
VND
194,715,716.103
20.818.923.574
370,346.368,822
4A),.397
,225
(28,594,297,777)
oiu
(r

VND
r0.r 83,137,567,535
8.069.142.354.384
31,377,593,11,1
1
,202,782,085,3
l 4
1
.431,775,4T,648
5,r6r,517.509,502
7,734,080,711
12,521,911,625
3.533,962,138,183
2,r 05,917,65,1.954
11,,193,588.536,418
158,,189,033,735
218,091,621
,912
43,610,237
,161,194
Diu
lci
\ND
5',78,672.1
12,516
20,396,036,385
r54,t66,606,408
785,819,970
o3,249,814,867)
Thuy6t ninh

tian
grid
theo lo?i hinh doanh nghiOp
Doanh
nghiep nhi nu6c
C6ng ty TNHH 1 thinl vien do ntra nudc sd
hiiu
100% v5n diau
1e
C6ng
r) TN}IH 2 Lhini
\
iin tr<r len
co
phin
r rln eop
cia nid nu6c trcn 50% v6n diiu
1Q hoic nhi nunc
giil
quydn
chi
phOi
C6ns ty TNHH kkic
t
jns
ry c6
ph" co
r
cir
co

phin
cra.nli r;o.
c r err
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5000
ron
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pl
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ar
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phoi
d6i
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le
cna
c6ng ty.
Long
ry
co
pLran
Knxc

C6ng ty hqp danh
Doanh
nghiCp tlr nl1an
Doanh
nghiQp c6 v6n diu lu
nudc ngoii
Hap
tAc xE vi liCn higp hon
iAc xa
H0 kiffi doanh, c6
nhan
Dm vihAnh
chinh suluhiap,
dAng, do:in th€ va
hiCp
h0i
Khec
22
914,878,"03,501 782,4',71,t20,706
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Ngan hdDg TMCP
DaiDuong
199 NsuyEn Luong Bang TP
HaiDuons
rq. THU
\[LAp
LAt
vA
c,ic
xHoer rHU\Hlpruu\ctU
Thu
-h;rp
h: l:en
gLii va
cfo
\a)
\ rch l'alg
Thu lai tir

kinh doanh, ddu lu chtng
khoAn Nq:
- Thu lai ti chLi
skhad
kinh doanh
-
lhu
lut ltr Lhung Khodn dau
to
Thu lei cho
vay khac
r
ong
20. cHr
pHi
L.ir
v.i. clc CIII
pHi
rIJo
j,,tc
rI/
lra
rxl nen
gm
Trn lei tian
vay
Ch;
phi
kh6c
T6ng

21. LAr@o) rHU.i.N
rtl Ho4r
DoNc DICH
vv
Thu
phi
dich v'I
-
Hoat
dong thanl to6n
-
Ho4t dong
bao la.l
-
HoEt dong ngan
quY
-
Dich
w
dd
li
-
Thu
phi
dich vu kh6c
Chi
phi
dich vq li6n
quan
- Hoat dong thanh

to6n
-
Hoat dong
ngAn
qui
- Chi
phi
dlch
vu khac
Lnil 16 thuin tir
hoat dong dich
vtr
l.+J4.6q3.8J8.2
4 I
I
,442,J75,540,405
Ki ndy
\,'llD
I
.044.067.7
80.08
l
384,376,925,034
381,376,925,031
6.249.133
,126
Ki fudc
\ND
1,033,905"310,328
400,597,894,215

141,722,087
400,153,172,128
'7.8',72,335,862
K, nd]
\D{D
8s1,171,286.601
172,01i,495,182
41.611,1,11,483
K, tru6c
\ND
910,546,653,911
113,110,758,256
282,352,200
1,070,828,925,269
1,024,599,761,389
Ki nd]
\TND
10,832,580,026
5
,33',7 ,019,35',7
4,3t9,492,17',7
711.181,673
368.582,989
35,913.810
6,615,269,707
3,038.540,536
1,085,175,781
2,491,553,390
K, iru6c
V}'ID

9,902,719,859
4,871,181,990
3,529,106.036
594,502,099
868,461,875
16,487,859
6,593,8?0,482
3.660.t23.226
'729
,405.',t00
2,201,311,556
)4
4,2r7,310,1tS
3,308,869,377
Ngan hang TMCP
Dai Drong
I
99
Ngu,v6n Luo,ns B;'ng TP
Hai Dmng
22.
LAy@6) THUAN TI, Ho4.T DONG
KINI{ DOANH NGO4I
IIOI VA D,{NH
GLd Tf GI,i
NGO4r r{
Ihu nhip tn toil dong kinh doanh
ngoqi hdi
-
Thu tir kinh doanl ngo+;

tC
giao
ngay
-
I
jl
che-h lech l) c,ld 0o 0.
n
gla
4'
cuol
"an'
-
Thu
IU
ca( cong
(
u
ld
clii h
ph;i.i
r I:en
li
Chi
phi
ho4t dqng
kinh doanh ngo?i h6i
-
(tu
\e

Krnn
doann ngo?r 19
glao
nga)
-( ri
\ec;ccongcu.ich'nhpl-ai s:nlliin
i
Leii
16 thuin rn ho:]l d9ng
kinh doanh ngo:ti
h6i
Thu nhap tu
mua btu chrmg
kho6n kinl doanh
Chi
phi
v.] mua bin
chmg khodn
kinh doadl
Chi
phi
dlr
phdng
giam g;6
chmg khoarn
kinh
doani
Thu hoan
qui
dlr

phdng
giam gi6
chmg khoan
kinh doanh
Lai/
l5 thuin
Thu nhap lu mua
btu chr.mg
khonn diu tu
chl
phr !e
mua ban chrm8
Rrocn oau
ru
Chi
phi
duphdng
giam gi,
chimg
khoan dAu tu
Thu hodn
qui
dlr
phdng
giam gii
chlng khoan
dau ff
L[i/ 16 thuin
Ki ndy
\AID

7
,1t7
,716,121
7,011,889.988
701,826,136
t,050,62't
,621
42,739,291
1,007,8E8,333
Ki trudc
VND
s,8r5,s99,033
5,513,295,462
272,303,511
4,561,039,518
40,1,639,518
4,156.400,000
6,667,088,497
23,
L,4.v@O) THUAN
TfI },IUA DAN CIII]NG
KHOIN KINH DOANH
1,254,559,515
K,
ndy
VND
578.073,482
(1,817,585.508)
(r00,000,000)
1.494,305,799

Ki'trudc
\,.ND
1,331,864,640
(1,505,448,631)
(s39,856,604)
1,354,950,834
124,'793,713
641,510,239
24. LAUGO)
TIIUAN
TTT MUA BAN CIITING
KIIOIN DAU TU,
Ki ndy
VND
20.616,',l31,236
58r,1I8,400
3,703,000,000
21,010,500,000
Ki trudc
\,ND
10,831,989,773
12.165.',l56
2,737,000,000
6.003,000,000
17,312,915,836
11,085,824,017
25