Báo cáo tài chính công ty mẹ quý 4 năm 2014 - Ngân hàng Thương mại cổ phần Quốc Dân

Công bố Thông tin BCTC hợp nhất và mẹ Quý IV/2014
1. Tên TCNY: Ngân hàng TMCP Quốc Dân
2. Mã CK: NVB
3. Nội dung CBTT:
- BCTC Hợp nhất và mẹ Quý IV/2014 bao gồm: Bảng cân đối kế toán, Bảng kết quả kinh
doanh, Báo cáo lưu chuyển tiền tệ và Thuyết minh BCTC.


cO PHAN QUOC DAN

NGAN HANG THl1aNG M~I

Mlu

s6 :-B02affCTD

(BanhBnh theo QEJ s6 1612007IQE)-NHNN nglly 181412007 cua
Th6ng c16c NHNN

BANG CAN eOI K~ ToAN
Quy IV nam 2014
£)00

STT

Chitieu

Thuy6t
minh

(1)

(2)

(3)

s6cu6i

kY

S6dlu

vi:VND

kY

(5)

(4)

A

TAl SAN

I

Tiin m,t, vang bfc, di quy

V.1

220,380,213,732

177,719,138,648

II

Tiin glri tfl NHNN

V.2

840,907,145,366

1,080,116,284,019

III

Tlin, vang glri tfl cic TCTDkhac va cho vay cac
TCm khac

V.3

6,656,016,655,436

4,953,087,637,118

1

Tilm, yang gui tal cac TCTD khilc

4,160,705,624,186

4,332,580,772,534

2

Cho yay cac TCTO khilc

2,500,000,000,000

625,195,833,334

3

01,1'phOngrui ro cho yay cac TCTO khac

(4,688,968,750)

(4,688,968,750)

IV

Chling khoin kinh doanh

1

Chung khoan kinh doanh

°
0

°

2

01,1'phOnggiam gia chung khoan kinh doanh (*)

0

0

V

Cic c6ng c\l til chlnh phil sinh va cic tii san til
chlnh khic

VI

Cho vay khich hang

1

Cho yay khilch hang

2

V.4

01,1'phOngrui ro cho yay khach hang(*)

VII Ch(mg khoin diu tLP

0

3,407,125,092

3,354,992,208

16,409,350,878,360

13,266,269,639,456

16,640,656,545,729

13,475,390,082,499

V.5

(231,305,667 ;369)

(209,120,443,043)

V.6

5,235,408,089,638

3,786,178,681,170

1

Chung khoan dau tll' san sang de ban (2)

3,764,611,835,756

1,644,975,377,772

2

Chung khoan dau tll' giCrd~n ngay dao han

1,470,796,253,882

2,141,203,303,398

3

01,1'ph6ng giam gia chung khoan dau tll' (*)

0

VIII G6p vAn, diu tLP dai hfn

V.7

0

664,727,944,565

1,022,542,944,565

50,000,000,000

50,000,000,000

1

£)au tll' vao c6ng ty con

2

V6n g6p lien doanh

0

0

3

£)au tll' vao c6ng ty lien kat

0

0

4

£)au tll' dai h;;tnkhac

5

01,1'ph6ng giam gia dau tll' dai h;;tn(*)

IX

Til san cO djnh

1

Til san

c6 djnh h(;U hlnh

V.8
Page 1

619,400,000,000

977,215,000,000

(4,672,055,435)

(4,672,055,435)

1,147,549,909,891

1,044,255,476,574

219,087,515,726

211,080,292,394

M~us6:-B02arrCTD

NGAN HANG THl1CYNG M~I cO PHAN QUOC DAN

(BanhBnh fhfIo QD s6 1612007IQE)-NHNN ng~ 181412007cua
Th6ng dOc NHNN

BANG CANeOI Kt: ToAN
Quy IV nam 2014
f)an vi:VND

STT

Chitieu

Thuy6t
minh

(1)

(2)

(3)

s6cu6i

kY

s6alu

kY

(5)

(4)

a

Nguyen gia TSC£>

295,578,416,075

272,665,419,047

b

Hao men TSC£> (*)

(76,490,900,349)

(61,585,126,653)

2

Tal san c6 djnh thue til chinh

0

0

a

Nguyen gia TSC£>thue tei ehinh

0

0

b

Hao mon TSC£>thue tei ehinh (*)

0

0

3

Tal san c6 djnh vo hlnh

a

928,462,394,165

833,175,184,180

Nguyen gia TSC£> VQ hinh

937,163,494,011

840,290,199,321

b

Hao men TSC£>VQ hinh (*)

(8,701,099,846)

(7,115,015,141)

X

Bit dOng san diu tU'

0

0

a

Nguyen gia B£>S£>T

0

0

b

Hao men B£>s£>T(*)

0

0

XI

Tal san C6 khac

1

V.9

5,659,324,543,491

3,740,126,133,025

Cae khoan phai thu

1,181,607,765,417

854,470,156,277

2

Cae khoan lai, phi phai thu

3,430,590,353,895

2,231,536,690,185

3

Tai san thue TNON hoan li;li

4

V.10

0

rai san C6 khae

1,069,626,424,179

- Trong 116:Lt;1i the thlJ'O'ng m~i

5

Cae khoan dl,l' phOng rui ro eho cac tei san C6 nOi·
bang khae(*)

T6ng tai san co

0
654,119,286,563

0

0

(22,500,000,000)

0

36,837,072,505,571

29,073,650,926,783

B NQ' PHAI TRA vA VON CHO so' Hliu
I

Cac khoan nQ'Chfnh phu va NHNN

V.11

II

Tlin glii vi vay cac TCTDkhac

V.12

1

0

0

8,698,793,901,245

5,008,553,588,509

Ti~n glii eua cac TCTO khae

4,364,872,401,245

4,000,944,388,509

2

Vay cac TCTO kMe

4,333,921,500,000

1,007,609,200,000

III

Tiin gLri cua khach hang

24,444,783,528,038

18,376,936,452,995

V.13

Page 2


NGAN HANG THl1O'NG M~

co PHAN QUOC DAN

Mlu

s6 :- B02a!TCTD

(BanhBnh Iheo Qf) s6 1612007IQfJ-NHNN ngay 181412007cue
Th6ng dOc NHNN

BANG CAN eOI Ka: loAN
Quy IV nam 2014
Dan vi:VND

STT

Chi tieu

Thuy6t
minh

s6 cu6i kY

S6dAu kY

(1)

(2)

(3)

(4)

(5)

IV

Cac cong c'_' til chinh phal sinh va cac khoan nQ'
til chinh khac

V

V6n til trQ', uy thac diu
nil ro

VI

Phat hanh glAy

VII

Cac khoan nQ' khac

tll, cho vay TCTD chiu

to c6 gia

V.14
V.15
V.16.

1

Cac khoan lai, phi phai tra

2

Thu~ TN ON hoan I~i phai tra .

3

Cac khoan phai tra va c6ng nQ' kMc

4

01,1'ph6ng rui ro kMc( 01,1'ph6ng cho c6ng nQ' ti~m
an va cam k~t ngo~i bang)

0

0

71,653,245,348

96,769,845,348

0
411,126,702,853

261,637,198,431

389,715,412,324

191,555,545,185

0

0

21,411,290,529

68,863,290,038

0

TOngn9' phii tri
V.17

2,127,182,931,198

1,218,363,208

33,626,357,377,484

25,871,080,016,481

3,210,715,128,087

3,202,570,910,302

VIII

V6n vi cac quy

1

V6ncua TCTO

2,980,571,140,030

2,980,571,140,030

a

V6n di~u I~

3,010,215,520,000

3,010,215,520,000

b

V6n dau tU' XDCB

c

Th~ng dU' v6n

d

CO phi~u quy (*)

e

CO phi~u uu dai

0

0

9

V6n kMc

0

0

2

QuycuaTCTO

142,133,430,192

123,342,300,530

3

Chenh I~h

0

0

4

Chenh I~ch danh gia I~i tai san

0

0

5

LQ'i nhu$n chU'a pMn ph6il LO lOy k~

a

LQ'i nhu$n1 LO nam nay

b

LQ'i nhu$n1 LO lay k~ nam trU'ac

IX

LQ'i ich cua cO dong thl6u s6

cO phan

0

0

0

0

(29,644,379,970)

tY gia h6i doai(3}

88,010,557,865

98,657,469,742

8,144,217,785

18,431,360,197

79,866,340,080

80,226,109,545

0

TOngn9' phii tri va v6n chu sOt hliu

36,837,072,505,571

Page 3

(29,644,379,970)

0
29,073,650,926,783


MAu 86 ;- B02afTCTD

NGAN HANG THl1O'NG M~I c6 PHAN QU6C DAN

(BanMnh thea Of) 56 1612007~NHNN

ngtt 181412007CUB
ThOngc16c NHNN

BANG CAN £)01 Kt: loAN
Quy IV nam ·2014
£)an vi:VND

STT

Chitieu

Thuyit
minh

s6 cu6i kY

S6dAu kY

(1)

(2)

(3)

(4)

(5)

s6 cu6i kY

S6dAu kY

cAc CHI liEU NGOAIBANG CAN £)01 KE loAN
STT

Thuyit
minh

Chitieu

I

Nghia VI.! n9" t1im An

1

Sao lanhvay v6n

2

Cam k~t trongnghi~pVI,! UC

3

Sao lanhkMc

II

Cae cam kit dlJ'l ra

L,pBing

VlII.26

Ki toantl'lJ'Ong

Page 4

1,118,333,489,794

566,989,760,525

0

0

66,645,906,614

19,670,342,880

1,051,687,583,180

547,319,417,645


co pHAN QUOC DAN

NGAN HANG THl10NG ~

I.Ilu s6;- B03sITCTD
(Ban h8nh theo Of) s6 1612007/QEJ-NHNNngay 181412007
WIl TIr6ng c16c NHNN

BAo cAo KET QUA HO~T eONG KINH DOANH
Quy IV nam 2014
£)cmv;:VND
STT

Chiti6u

(2)
Thu nh~p iAiva cac khoan thu nh~p tlPO'ng
1
tl,l'
2 Chiphi IAiva cac chi phi tlPO'ngtl,l'

(i)

LOyk6 tll diu nam dAn culli kY

QuylV

ThuyAt
minh

Nimnay

Nam trlJ'6oc

Nimnay

Nim trlJ'6oc

(3)

(4)

(5)

16)

(7)

VI.18

583,253,189,365 514,818,175,127 2,454,329,075,929 2,144,235,683,778

VI.19

455,536,061,084 390,646,335,733 1,854,097,086,321 1,548,236,557,098
127,717,128,281 124,171,839,394

I Thu nhtp Iii thuin

VI.20
VI.21

6 Chiphi hoat dl'>ngkhae
VI LiU 10 thuAn tll ho,t d~ng khac
VII Thu nhtp tll g6p vOn, mua cO phin
VIII Chi phi hOft d~ng
LQ'inhutn thuin tll hOit dOng kinh
IX doanh trlJ'6occhi phi d....phong nii ro tin
dl,lng
X Chi phi d.., phong rui ro
XI TOng 1Q'inhutn trlJ'6octhuA

595,999,126,680

4,759,972,508

15,744,774,457

16,315,458,631

8,485,704,969 6,796,387,325
(3,744,957,905) (2,036,414,817)

22,647,156,493
(6,902,382,036)

16,617,843,189
(302,384,558)

4,740,747,064

3 Thu nh~p tCrhoat dl'>ngdlch Vl,l
4 Chiphi hOliltdl'>ngdich Vl,l
II LiU 10 thuAn tll hOit d~ng d!ch Vl,l
LiU 10 thuin tll ho,t d~ng kinh doanh
III
ngo,i h6i
LiU 10 thuin tll mua ban chCmg khoan
IV
k1nhdoanh
LiU 10 thuin tll mua ban ch(rng kho~n
V
diu tll'
5 Thu nh~p tCrhoet dl'>ngkhae

600,231,989,608

VI.22
VI.23

4,865,289,891

4,482,505,594

(766,968,029)

9,455,438,427

0

0

0

0

40,335,518,268

10,268,807,233

72,780,217,110

293,237,554

11,057,096,217

95,964,628,956

11,254,002,685

96,151,323,979

1,440,831,695

37,424,533,718

6,922,473,468

39,435,286,549

9,616,264,522 58,540,095,238
0
0
175,282,314,944 191,260,223,288

4,331,529,217
2,400,000,000
597,211,915,013

56,716,037,430
4,292,990,000
618,092,683,749

4,166,609,354

74,862,470,857

48,361,761,783

5,594,967,465 (13,729,200,139)
(2,088,039,352) 17,895,809,493

65,098,089,082
9,764,381,775

24,484,526,070
23,877,235,713

3,506,928,113

7 Chiphi thu6 TNDNhi$n hanh

0

4,473,952,373

1,620,163,991

5,445,875,516

8 Chiphi thu6 TNDNho&nllili
XII Chi phi thuA TNON

0

0

0

0

0

4,473,952,373

1,620,163,991

5,445,875,516

(2,088,039,352)

13,421,857,120

8,144,217,784

18,431,360,197

XIII LQ'inhutn 5au thuA
XIV LQ'iich cua cO d6ng thiAu 56
XV LAIcO' ban tr6n cO phiAu

ngay "fO thang
. -\1Q Q 1 ~i

LtpBang

V

KA toantnpang
J

J~. NGAN

Giamd~
HANG

.~

,; THUdNG~';"";~

*

J
...

IV

.,

.~

o·

,

Page 5

A

OC DAN .~
~tvkiEM_~

~

.

-


NGAN HANG THl10NG M~

co PHAN QUOC DAN
BAa cAo

Mlu sO ;- B04a1TCTD
(Ban Mnh thea Qf) sO 16/20071QfJ-NHNN
ngay 181412007cua ThOngdOc NHNN

LU'UCHUY~NTI~N Te

(Theo phLPO'I1gphap tr\I'C tl6p)

Quy IV nam 2014
£)VT: £)On9
STT

Chitleu

Thuy6t
mlnh

(1)

(2)

(3)

LI.N chuy'n ti6n til' hOflt

Nim2014

Nim 2013
(4)

(5)

cJ~ng kinh doanh

1

Thu nh$p lsi va cac khoan thu nh$p tuung tv nh$n dl..fr:;1C

2

Chi phf lsi va cac chi phi tl..l'CJl1g
tv ds tra (*)

3

1,255,275,412,219

1,237,602,882,164

(1,655,937,219,182)

(1,524,136,556,751)

Thu nh$p til' hOfift dOng dich VI,Jnh$n dl..fr:;1C

(6,902,382,036)

(302,384,558)

4

Chenh I~ch s6 ti~n thl,fC thuAhl,fCchi til' hOfift dOng kinh
doanh (ngofifi t~, vang bfifC,chCmg khoan)

72,013,249,081

9,748,675,981

5

Thu nh$p khac

4,293,729,217

56,708,337,430

6

Ti~n thu cac khoan
ngu6nniiro

30,300,000

6,500,000

7

Ti~n chi tra cho nMn vit§nva hOfiftdOng quan IY,c6ng VI,J
(*)

(577,798,990,910)

(602,795,657,747)

8

Ti~n thue thu nh$p thl,fC nOp trong

no ds dl..fr:;1C
xu

Iy x6a, bti d4p, Mng

kY (*)

-

LI.N chuydn ti6n thuAn til' hOflt cJ~ng kinh doanh trur6c
nhling thay cJaivet tai san vi vein

(909,025,901,611 )

0
(823,168,203,481 )

NhQlng thay dOi vi tii sin hO\lt dOng

9

(Tang)/ Giam cac khoan ti~n, vang gtii va cho vay cac to
ch(Fc tfn dl,Jngkhac

10 (Tang)/ Giam cac khoan v~ kinh doanh chCmgkhoan
11 (Tang)/ Giam cac c6ng CI,Jtai chlnh pMi sinh va cac tai
san fai chfnh khac

12 (Tang)/ Giam cac khoan cho vay khach hBng
13 Giam ngu6n dV phong dd bti d4p tOn tMt cac khoan
14 (Tang)/ Giam khac v~ tai san hOfift dOng

(1,874,804,166,666)
(1,449,229,408,468)

(1,275,976,232,616)

(52,132,884)

(3,102,842,143)

(3,165,266,463,230)

(589,734,689,004)

(11,631,227,964)

(32,228,702,210)

(480,030,148,499)

812,046,258,531

NhQlng thay dOi vi c6ng nQ' hO\lt dOng

15 Tang! (Giam) cac khoan n(l chfnh phu va NHNN
16 Tang! (Giam) cac khoan ti~n gtiiV8 vay cac TCTD

3,690,240,312,736

Page 6

(732,185,695,526)
4,912,921,437,363


NGANHANGTHlIaNG M~I

co PHANQUOCDAN

Mlu s6 :- B04afl"CTD
(Ban h8nh theo QD s6 16120071Q£J-NHNN
ngay 181412007cua Th6ng d6c NHNN

BAo cAo LU'UCHUY~NTI~N Te
( Theo phlJ'O'I1gphap tr.,c tl6p)

Quy IV nam 2014
£lVT: £lOng

STT

Chiti~u

ThuyAt
minh

(1)

(2)

(3)

Nam2014

Nim 2013
(4)

(5)

17

T~ng! (Giam) ti~n gu; cua khBch hBng (bao gOm ca Kho
b9c NhB nl.l'&c)

6,067,847,075,043

6,104,070,053,585

18

T~ng! (Giam) phat hBnh giay to cO gia (ngo9i trv GTCG
(l1.J'flCtfnh vao h09t (lOng tai chinh)

(2,127,182,931,198)

(2,678,509,956,504)

19

Tang! (Giam) vOn tai ttv, uy th8c"(lSu tu; cho vay ma
TCTD phai chiu rui ro

(25,116,600,000)

(195,638,701,789)

20

T~ng! (Giam) cac cong C(l TC phBi sinh va cac khoan n(,)'
tai chinh khac

21 T~ng!(Giam) khBc v~ cOngn(,)'h09t (lOng
22 Chi tv
I

(47,451,999,509)

cac quy cUa TCTD (*)

0
36,987,611,269
0

LlIU CHUY~NTI~N THUANTlI HO~TaQNG KINH
DOANH

(331,703,592,250)

5,535,480,337,476

LU'Uchuyfin ti~n tt) hOlt aijng aAu tIP

1

Mua s~mTSCf) (*)

2

Ti~n thu tt) thanh Ii, nhU'Q'T1g
ban TSCf)

3

Ti~n chi tvthanh

4

Mua s~mMt (lOng san (lSu tLl (*)

0

5

Ti~n thu tv ban, thanh Ii Mt (lOng san (lSu tLl

0

6

Ti~n chi ra do ban, thanh Ii bat (lOng san (lSu tLl (*)

0

7

Ti~n chi (lSu tU', g6p vOn vao cac (100 vi khBc (Chi (lSu tLl
mua cOng ty con, g6p vOn li~n doanh, li~n k~t, va cac
khoan (lSu tLl dai h9n khBc) (*)

8

Ti~n thu (lSu tU', g6p vOn vao cac (100 vi khac (Thu ban,
thanh Ii cOng ty con, g6p vOn Ii~n doanh, liM k~t, cac
khoan (lSu tLl dai h9n khac)

9

Ti~n thu cd t(fc VB1Q'inhu~n (l1.J'flCchia tv
tU', g6p vOn dai h9n

(123,242,119,667)

(908,928,058,517)

7,500,000

1,200,000

Ii, nhU'Q'T1gban TSCf) (*)

0

cac khoan (lSu

LlIU CHUY~NTI~N TlI HO~T aQNGaAu TlI
LU'Uchuyfin ti~n tt) hOlt aijng til chfnh

"

tv g6p vOn vB! h~c

1

T~ng vOn cd phSn
phi~u

phat hBnh cd

2

Ti~n thu tif phat hBnh giay ta cO gia dsi h9n (lu (/j~u ki~n
tlnh vao vOn tv cO va cac khoan vOn vay dai h9n khac
Page 7

-

(276,700,000,000)

84,115,000,000

0

2,400,000,000

4,292,990,000

(36,719,619,667)

(1,181,333,868,517)


NGAN HANG THl10NG ~I

cO PHAN QUOC DAN

Mlu s6 :_B04affCTD
(Ban ht}nh thea Qf) s6 1612007IQ£J-NHNN
ngay 181412007cua Th6ng d6c NHNN

BAo cAo

LU'UCHUY~NTI~N Te

(Theo phlPO'ng phip tr1!C116p)

Quy IV nam 2014
£lVT: £lOng
STT

Chitl6u

(1)

(2)

3

Thuy6t

minh

Nim2014

Nim2013

(3)

(4)

Tien chi thanh toan gi§y ta c6 gia dai h~n (fu (fjeu ki~n
tinh vao vOntv c6 va cac khoan vOnvay dai h~n khac i)

CO t{!C tra cho cd (fOng,/c;7i nhu~n (fa chia (*)
5 Tien chi fa mua cO phi~u quy i) .

4

6

0

-

0

-

0

Tien thu (f1..lVCdo ban cd phi~u quy

III Luu chuyjn tiln tUr hO(lt t1~ng tai chlnh
IV Luu chuyjn tiln thuin trong IcY
V

(5)

Tiln VI
t1iu IcY

cac Ichoan tuong

(368,423,211,917)

t1uong tiln t(ll thC1lt11;m

4,354,146,468,959

5,590,416,195,201

1,861,465,559,576

5,221,992,983,284

6,215,612,028,535

VI Di.u chlnh anh hll"l1ng cu. thay t161tY gia
VII

Tiln VI cac Ichoan tuong t1uong tiln t(li thC1lt1/;m
cu6iIcY

Ki toan trlJ'c7ng

PageS


NGAN HANG THU'ONG ~

Blius6· B05a'TCm

cO PHAN QUOC DAN
Ban hiInh Iheo

ae s6 16.120071Qf)-NHNN

BAN THUYET MINH BAo cAo TAl CH(NH
Quy IV nam 2014
I.
1

£)~c diAm ho,t d~ng cua T6 ch(rc Tin dvng
GiAy phep thanh I,p va ho,t d~ng
NganhangThl1O'ngm~i COphan QuOcDandl1Q'cdOiten tll Ngan hangThl1O'ngmal CO phan Nam Vi~t vao ngay06
thang 05 nam 2014.Tnroc day Ngan hangc6 tsn gQila Nganhang TMCPNTSongKisn, la ngan hang cOphan dl1Q'c
thanh I~p theo Giay phep 50 00057/NH-GPngay 18thang 09 nam 1995do Nganhang Nha nl16'c Vi~t Namcap va Giay
phepthanh I~p cOngty sO 1217/GP-UBngay 17thang 10 nam 1995do Oy BannMn dan tinh Kisn Giangcap. Nganhang
heat dOngkinh doanhtheo Giay chCrngnh~n dang kY kinhdoanh 501700169765 clla Sa k~ noach va dau tl1 thanhphO
HOChi Minh(dang ky Ian dau theo Giay chCrngnh$n dang kinh doanh 50 050046Angay 02 thang 11 nam 1995clla Uy

ban k~ ho~chtinh Kisn Giang).

2

Hinh th(rc sa hCruv6n: COphan

3

Thanh phAn H~i dOng quin tri:·
Ch(rc danh
STT HQvatin
Chll tich
1. Ong VOHOngNam
Thanhvisn
2. BaTran Hai Anh
Thanhvien
3. Ba Nguy~nThi Mai
Thanhvien
4.
BaB~ng Thi Xuan HOng
Thanhvien dOcI$p .
5. Ong MukeshLalitshankerSharda
Thanh phAn Ban T6ng Giam d6c:
STT HQva tin
Ch(rc danh
1. Ba TrAn Hii Anh
T6ng giam d6c
2. Ong B~ng Quang Minh
Ph6tOnggiam dOc
3. Ba Nguy~nThi Mai

Ph6tOnggiam dOc
4.
Ong Nguy~n Chi Trung
Ph6tOnggiam dOc
5. Ong Nguy~n Giang Nam
Ph6tOnggiam dOc
6. Ong Nguy~n Cao H(iu Tri
Ph6tOnggiam dOc
7. OngVo Van Cl1C7ng
Ph6tOnggiam dOc
8. OngVOM~nh Ti~n
Ph6tOnggiam dOc
9. Ong Bui QuOcKhanh
Ph6t6ng giam dOc
10. BaB5 Thi Thanh Hl1C7ng
K~ toantruang
Trv sa chinh : s6 28C· 280 Ba TrU)u, PhlJ'cmg Hang Bai, Qu,n Hoan Kiim, Ha N~i
- SOchi nhanh : 20
- SOcOngty con : 1
Cong ty con
GOngty TNHH Quan Iy NQ'va Khai thac Tai san Ngan hang QuOc Dan theo Giay chung nh$n dang kY kinh doanh 50
0304767745thay dOi IAn thCr3 ngay 25/08/2014 do Sa kil ho~ch va £>autl1 TP. HCM cap v6'i tY I~ g6p vOnella Ngan
hang TMCP QuOeDan (NCB) la 100%. Nganh ngha kinh doanh chll yilu la tiilp nh$n, quan Iy cae khoan nQ'tOn dQng
clla Ngan hang TMCP QuOeDan·va tai san dam bao nQ'vay lien quan diln cae khoan nQ'd~ xl) Iy, thu hOiv6n nhanh
nhat.
T6ng s6 can b~, cong nhin viin : 1.494
Ky k6 toan va dem vi tiin t. Sll' dvng trong ki toan:
- Ky kil toan nam: b~t dau tll ngay 01 thang 01 va kilt thuevao ngay 31 thang 12 hang nam.
- Boonvi tian t~ 51)dl,mgtrong kil toan la BOngVi~t Nam (VN£».
Chuan mlfC va chi d~ ki toan ap dvng :

- Baocao tai ehinh dl1Q'eI$p va trlnh baytheo chuan mllc kil toan Vi~t Nam 56 21 - Trinh bay Bao cao tai ehinheOng
nhl1 caechuan mllC kil toan khae.

4

5

6

7
II.

III.

Page 9


NGAN HANG THl1C7NG ~

'*

cO PHAN QUOC DAN

sO' B05&1CTD
Ban h8nh theo QfJ sO 16.12OO7lQEJ-NHNN

BAN THUYET MINH BAo cAo TAl CH[NH
Quy IV nam 2014
- Bao cao ke toan ap dl,mg theo Che dO ke toan thOng nhat ban hanh theo Quyet dinh sO 479/2004/00-NHNN ngay
29/4/2004, ThOngtU' 10/2014m-NHNN ngay 20103/2014va che dO bao cao tal chlnh dOl val cac TO ch(rc tin dl,mg ban

hanh theo Quyet djnh sO 16/2007/00-NHNN ngay 18/04/2007 cLla ThOng dOc Ngan hang Nha nllac Vi~t Nam.
IV. Chinhsach k&toan ap d\lng t,1 to ch(rc tin d\lng
1 ChuyAndOiti&n tt :
Nghi~p vI,! kinh te pMt sinh trong quy bang ngo;;!it~ khac vai dOng Vi~t Nam dllO'c quy dOi sang dOng Vi~t Nam theo tY
gia thl,l'c te tal ngay pMt sinh. SO dU' cuOi ky cua cac khoan rnuc c6 g6c ngot;lit~ dllO'c quy dOi sang £)OngVi~t Nam
(VN£))theo tY gia ap dl,!ng vao cu6i thang.
Chenh I~ch tY gia cLla cac nghi~p Vl,l ngot;li t~ phat sinh trong ky va danh gia It;li sO dll ngot;li t~ cuOi kY dU'O'cdlJ'a vao
Bao cao ket qua hot;lt dOng kinh doanh.
2 Nguyentic thl/C hltn hQ'pnhAt baocaotil chinh:

sa

Bao cao dllO'c lap tren cO' hO'p nhat bao cao cLla cong ty m~ va cac c6ng ty con theo quy dinh tt;ll cac chuan mllC ke
toan Vi~t Nam, h~ thOng ke toan VI~t Nam, va cac quy dinh hl~n Mnh ap dl,lng cho ngan hang va cac TO ch(rc tin dl,!ng
kMc.
3 K&toan thu nhtp Iii, chi phi Iii vi ngimg d., thu Iii:
Ngan hang ghi nhan thu nhap lai va chi phi lai theo phllO'ng phap dl,l' thu, dl,l' chi. Lai cLla cac khoan cho vay qua ht;ln
khong dllO'c dl,l' thu ma dU'O'cghi nhan tren cO' sa thl,l'c thu. Khi mOt khoan cho vay tra thanh qua ht;ln thi sO lai dl,l' thu
dU'O'cxuat toan va ghi nhan ngo;;!i bang. Thu nhap lai cLla cac khoan cho vay qua h~n dllO'c ghi nhan vao bao cao ket
qua kinh doanh khi thu dllO'c.
4 K&toan cac khoan thu t(r phi vi hoa hOng
£)lIO'c ghi nhan khi pMt sinh. Thu nhap tl) phi va hoa hOng, bao gOm phi nhan dllO'c tl) dich VI,!thanh toan, dich Vl,l
ngan quy, phi tl) cac khoan dich VI,!bao lanh, phi tl) cac dich VI,!moi giai ch(rng khoan va cac dich Vl,l khac. Thu nhap
phi tl) cac khoan bao lanh va dich VI,!moi giai ch(rng khoan dllO'c ghi nhan theo phllO'ng phap trich trllac. Thu nhap phi
hoa hOngnhan dllO'c tl) dich VI,!thanh toan, dich VI,!ngan quy va cac dich VI,!kMc dllO'c ghi nhan khi thl,l'c hi~n.
5

K6 toan d61vc7icho vay khach hing :
- Nguyen tac ghi nhan khoan vay: theo phllO'ng phap dinh 11IO'ng.
- Cac nguyen tac phan lo~i nO'va,tnch lap dl,l' phong rui ro tin dl,!ng: Ngan Mng ap dl,lng vi~ phan IQainO', trich lap dl,l'

phOngnO'phai thu kh6 doi va xu Iy rui ro theo cac hllang dan tt;li Quyet djnh sO 493/2005/00-NHNN ngay 2214/2005 cLla
ThOng dOc ngan hang NM nllac Vi~t Nam, ThOngtll 02120131TT-NHNNngay 21/01/2013 cLla ThOng dOc Ngan Mng
Nha nllac Vi~t Nam quy dinh v~ phan lo~i tal san c6, m(rc trich, phllO'ng phap trich lap dl,l' phOngrLli ro va vi~ su dl,!ng
dl,l' phong d~ xu 15'rui ro trong hot;lt dOng cua to ch(rc tin dl,!ng va ThOngtll 09/20141TT/NHNNv~ vi~c sua dOi, bO sung
mOt sO di~u cLla ThOngtll 02120131TT-NHNN. Cac khoan nO'dllO'c phan lot;li chLl yeu theo thai ht;ln nO'cLla khach hang
va dl,l' ph6ng dllO'c trich lap theo tY I~ Quy dinh tt;li Quyet djnh tren.

6 K&toan tal san c6 djnh:
- Nguyen tac ghi nhan: Nguyen gia tai san cO dinh bao gOm gia mua va nhO>ngchi phi c6 lien quan trI,I'c tiep den vi~
dlla tai san vao hot;lt dOng. nhO>ngchi phi mua sam, cai tien va tan trang dllO'c tinh vao gia trj tai san cO dinh. Rieng
nhO>ngchi phi bao tri sua chO>adllO'c tinh vao Bao cae ket qua ho;;!tdOng kinh doanh.

7

- PhllO'ng phap va thai gian khau hao: Tai san cO djnh khau hao theo phllO'ng phap dllang thAng d~ trlr dan nguyen
gia tai san cO djnh theo thai gian hO>udl,!ng lIac tinh, phUhO'pvai hllang dan tt;li ThOngtll sO 45/20131TT-BTC ngay 25
tMng 04 nam 2013 cLla BO Tai Chinh.'
Ti&nvi cac khoan tlPO'IlgdlPO'Ilgtll!n

Page 10


NGAN HANG THl1C7NG ~

Bl6u ,6, B05affCTD

cO PHAN QUOC DAN

*******

Ban hllnh theo QE) ,6 16.12OO71OD-NHNN

BAN THUYET MINH BAo cAo TAl CHINH
Quy IV nam 2014
Bao gOmtitm m~t tal quy; tilln gui tal Ngan hang Nha ntrac; c¢ng them tin phiau Chinh phu va cac giay ta c6 gia ngAn
han khac du dillu ki~n tai chiat khau Ngan hang Nha nU'ac, chling khoan c6 thai han thu hOiho~c dao han khOngqua 3
thang k~ tll' ngay mua; tilln gui t~i cac t6 chlic tin dl,lng khac khOngkY h~n va dao han khOngqua 3 thang k~ tll' ngay
gui.
8

NguyentAc va phU'O'I1gphap ghi nh*n thu' thu nh*p doanh nghitp va chi phi thu' thu nh*p doanh nghitp

Thl,l'chi~n theo chuAn ml,l'Cka to~n Vi~t Nam s617 - Thua thu nh~p doanh nghi~p va quyat djnh s6 29/2006/00-NHNN
ngay 101712006cua Th6ng d6c ngan hang nha nU'ac Vi~t Nam.
9 V6n chu sa hfru :
- Trich I~p va
dl,mgcac quy tl) lQ'inhu~n sau thua: dU'Q'cthl,l'c hi~n theo nghj djnh 57/20121N£)-CP ngay 20107/2012
cua chinh phu.
V. Thong tin b6 sung cho cac khoan m\Jctrinh bay trong Bang can d6i k'toan
1 Ti6n mft, yang b,c, da quy

su

31-12-2014

2

DOng
173,843,939,900
45,117,963,832

1,418,310,000
220,380,213,732

Tilln m~t bang VNO
Tilln m~t bang ngo~i t~
Kim lo~i quy, da quy khac
T6ng
Ti6n glri t,i NHNN

31-12-2014

3

4

Tilln gui thanh toan t~i NHNN
-B~ngVND
- B~ng ngo~i t~,vang
T6ng
Ti6n, yang glri ~i cac TCTDkhac va cho yay cac TCTDkhac

3.1 Ti6n, yang glri t,i cac TCTD.khac
Tilln, vang gui khong kY h~n
-B~ngVND
- B~ng ngo~i t~, vang
Tilln, yang gui c6 kY h~n
-B~ngVND
- B~ng ngo~i t~, vang
T6ng
3.2 Cho yay cac TCTDkhac

- Bang VNO
- Bang ngo~i t~, vang
- 01,1'phOngrui ro cho vay cac TCTO khac
T6ng
T6ng ti6n, yang glri t,1 cac TCTDkhac va cho yay cac
TCTDkhac
Cho yay khach hang

Page 11

31-12-2013
DOng

134,791,018,800
41,926,959,848
1,001,160,000
177,719,138,648
31-12-2013
DOng

DOng
840,907,145,366
576,831,208,311
264,075,937,055
840,907,145,366

1,080,116,284,019
316,319,876,243
763,796,407,776
1,080,116,284,019

31-12-2014

31-12-2013

DOng

DOng

2,460,705,624,186
2,334,137,203,574
126,568,420,612
1,700,000,000,000
1,700,000,000,000

332,580,772,534
19,750,854,769
312,829,917,765
4,000,000,000,000
4,000,000,000,000

4,160,705,624,186

4,332,580,n2,534

2,500,000,000,000

625,195,833,334

(4,688,968,750)

2,495,311,031,250
6,656,016,655,436

(4,688,968,750)
620,506,864,584
4,953,087,637,118

31-12-2014

31-12-2013


NGAN HANG THlIONG

~

cO PHAN QUOC DAN

Bi6usO' B05alTCTD
Ban hanh thea QEJ sO 16.12007IQEJ-NHNN

BAN THUYET MINH BAo cAo TAl CH(NH
Quy IV nam 2014
f)6ng

Cho vay cac t6 choc kinh t~, ca nMn trong nU'ac
Cho vay chi~t khau thU'O'ng phi~u va cac giay tOo c6 gia
Cho thue tai chinh
Cho vay b~ng v6n tai tro, uy tMc dau tU'
Cho vay d6i v6'i cac t6 chuc, ca nhan nuoc ngoai

TOng
• Phin tich chAt hJ'9'ng n9' cho vay

16,523,198,930,629
571,496,154

13,291,061,730,825
616,060,296

116,886,118,946

183,712,291,378

16,640,656,545,729

13,475,390,082,499

31·12·2014
f)6ng

31·12·2013
f)6ng

15,931,913,204,477
288,628,530,309
38,020,655,606
51,470,141,221
330,624,014,116
16,640,656,545,729

NQ'du tieu chuan
NQ'can chiJy
NQ'dU'6'i tieu chuan
NQ'nghi ngOo
NQ' c6 kha nang mat v6n
TOng
• Phin tich dLPn9' theo thai gian

f)6ng

12,486,271,250,09io
171,527,671'319~.A

260,246,819,23~..'N .~
119,024,274,471 *
438,320,067,382 ~....
13,475,390,082,499~

31·12·2014
f)6ng

6,752,875,847,940
4,555,265,264,302
5,332,515,433,487
16,640,656,545,729

NQ'ng~n han
NQ'trung han
NQ'dai han
TOng

5

06i vai s\I' tang, giam ella DPRRtin d\lng
DU' phong chung
Kynay
s6 du dau ky

98,884,778,258

01,1'phong rui ro trich I$p, hoan nh$p trong kY
01,1'phOnggiam do xl) Iy cac khoan no kh6
thu hOi b~ng nguOn dl,l' phong
s6 dU' cu6i kY
KytrLPac
s6 dU' dau ky
01,1'phOngrui ro trich I$p, hoan nh$p trong ky
01,1'phOnggiam do xl) Iy cac khoan nQ' kh6 thu h6i bang
nguon dl,l' phong
s6 du cu6i ky

6

34,397,564,785
(11,631,227,964)
121,651,115,079

114,343,521,040

105,972,251,422
25,141,229,046

112,561,411,594
2,363,221,941

(32,228,702,210)
98,884,778,258

114,924,633,535

31·12·2014
f)6ng

31·12·2013
f)6ng

Ch(mg khoan diu tLP

6.1 Ch(mg khoan diu tlJ' san sang di ban
3,687,996,835,756
3,687,996,835,756

a. Chung khoan nQ'
• Chung khoan chinh phu
Page 12

1,644,975,377,772
1,644,975,377,772


NGAN HANG THU'ONG ~

B!6us4; BOMClD
Ban hflnh theo Of) s6 16.120071QfJ.NHNN

cO PHAN QUOC DAN

BAN THUYET MINH BAo cAo TAl CH(NH
Quy IV nam 2014
76,615,000,000

b. Chung khoan v6n
c. DII phong giam gia chung khoan dAu tll'
giCrdan ngay oao h~n
TOng
6.2 Chling khoan dau tU' giCrden ngay dao h,n

7

- Chung khoan no do cac TCKT trong nll'ac phat hanh
TOng
G6p vOn. Dau tU' dai h,n
• Phsn tich gia trj dau tU'theo 10,1hinh dau tU'

3,764,611,835,756

1,644,975,377,772

1,470,796,253,882

2,141,203,303,398

1,470,796,253,882

2,141,203,303,398

31-12-2014

31·12-2013

f)6ng

50,000,000,000
619,400,000,000
(4,672,055,435)
664,727,944,565

t>au tll' vao c6ng ty con (*)
cac khoan dAu tLFdai han kMc
DII phOnggiam gia dAu tLFdai han
TOng
8 Tal san cO djnh hCruhinh
8.1 Tai san cO djnh hCruhinh kY nay

f)6ng

50,000,000,000
977,215,000,000
(4,672,055,435)
1,022,542,944,565

:JVT: Tri~u d6ng

Khoan mlrlc
NGUY~NGIA
SOdU'dAu kY
Mua trong ky
Thanh Iy
t>i~u chinh giam TT45
S6_dU' c~i kY
HAOMON
SOdU'dAu kY
Tang trong kY
Giam do thanh Iy
t>i~u chinh giam TI45
t>i~u chinh giam kMc
SOdU' cuOi kY
GIA TRI CONLAI
Ngaydau kY
NgaycuOi kY

Nhaelia, vtt
ki6n trUe

PhU'O'l'lgtltn
Maym6cthl6t
Thilt bl d\lng e\l
vtntil,
bj
quinly
truyAndin

139,437
1,228
(2)

41,223
23,289
(295)

51,041
41

140,663

64,217

868
3,584

15,566
4,435

-

-

rsce khae

38,179
1,814

(2,954)

2,786

51,082

37,038

2,578

20,765
7,765
(2,012)

22,826
2,873
(1,886)

1,560
177

(208)

TOnge~ng

272,665
26,372
(3,459)
295,578

(30)

61,585
18,834
(3,928)

4,452

20,001

26,518

23,813

1,707

76,491

138,569
136,211

25,657
44,216

30,275
24,564

15,353
13,226

1,226
871

211,080
219,088

-

8.2 Tai san cO djnh hCruhinh kY trU'c7c

31·12·2013
n u dOng
fNT : 7i'~

Khoan mlrlc
NGUYENGIA
SOdU'dAu kY
Mua trong kY
Thanh Iy

Nhaelia, vtt
ki6n trUe
2,858
136,657
0

PhU'O'l'lgtltn
Miy m6c thllt
Thi6t bj d\lng e\l
vtntil,

quin Iy
bl
truyAndin
52,807
829
-177

Page 13

51,056
0
0

45,750
2,199
-1,098

Tsca khae

3,348
433
-43

TOnge~ng

155,819
140,119
·1,318

NGAN HANG THl1C7NG ~

cO PHAN QUOC DAN

Bl6u sQ. B05sITCm
Ban h8nh thea Qf) s6 16.flOO7IQf).NHNN

BAN THUYET MINH BAo cAo TAl CHINH
Quy IV nam 2014
£)ieu chinh giam TI45
s6 dl1 cu6i kY
HAOMON
S6dl1dAu kY
Tang trong ky
Giam do thanh Iy
£)i~u chinh giam TI45
£)i~u chinh giam khac
s6 dl1 cu6i kY
GIA TRI CONLAI
NgaydAu kY
Ngaycu6i kY
9

-78
139,437

-12,236
41,223

-16

51,041

-8,672
38,179

-952
2,786

796
96

15,692
5,078

-24

17,620
4,497
-145
-6,407

-5

23,369
4,530
-635
-4,441

1,803
340

-43
-540

868

15,566

20,765

22,826

1,560

2,062
138,569

35,186
25,657

35,364
30,275

22,380
15,353

1,545
1,226

-21,954
272,665

0
59,280
14,541
-822
-11,417
0
61,585
0
96,538
211,080

rai san c6 dlnh vo hinh
9.1 rai san c6 dlnh vo hinh kY nay
:>VT· Tri~u 116ng

Khoan m\lc
NGUY~NGIA
dU'dAu ky
Tang trong ky
Thanhly
£)i~u chinh giam thea TI 45
se dU' cu6i ky
HAOMaN
se dU' dAu kY
Trich khau hao trong kY
Tang do di~u chinh khac
Giam do thanh Iy
Giam do di~u chinh theo TI45
Giam do di~u chinh kMc
s6 dU' cu6i kY

GIA TRI CON ~I
Ngay dAu ky
Ngaycu6i ky

ss

9.2 rai san cO dinh vo hinh kY trl16tc

Khoan m\lc
NGUY~NGIA
s6 dl1 dAu ky
Tang trong kY
Thanhly
£)ieu chinh giam thea TI45

Quy6n Slr Ban quy6n,
PhAnm6mvi
d\lng dAt c6 bing sang
tinh
thai h,n
ch&
817,015
116,323
(19,898)
913,439

689

840,290

-

116,n2

23,035

689

937,163

6,868
1,512

157
50

7,115
1,586

22.586
449

-

90
24

-

TSC£)vo hinh

T6ngcQng
khac

-

-

(19,898)

-

-

113

-

8,380

208

8,701

816,925
913,326

-

15,718
14,655

532
482

833,175
928,462

-

31-12-2013
f)VT : 1i'~
n u ciO ng
Quy6n Slr Ban cjuy6n,
PhAnm6mvi
d\lng dAt c6 bing sang
tinh
thc71h,n
ch&
48,334
768,681

TSC£)va hinh
T6ngcQng
khac

24,024

580
129

(1,438)

(20)

72,938
768,809

Page 14

(1,458)


NGAN HANG THlIONG

~

B!6u 84: B05tflCTD

cO PHAN QUOC DAN

Ban Mnh thea QD 86 16.12OO71Qf)-NHNN

SAN THUYET MINH sAo cAo TAl CHiNH
Quy IV nam 2014
SO dU' cuOi ky

817,015

.

22,586

689

840,290

5,819
1,512
38

155
46

6,039
1,582
38

(501)

(5)
(38)
157

7,115

426
532

66,899
833,175

HAOMON

SO du dau kY
Trich khAu hao trong kY
Tang do di~u chinh kMc
Giam do thanh Iy
Giam do di~u chinh theo TI45
Giam do di~u chinh khac
s6 du cuOi kY
G[A TRI CON LAI
Ngaydau ky
NgaycuOi kY

66
24

.
.
90

.

6,868

(50S)
(38)

.
48,268

816,925

18,205
15,718

10 Tai san co khac
1. Chi phi xay dl,l'ng co ban do dang
2. cac khoan phai thu
3. Lai va phi phai thu
4. Tai san c6 kMc
5. 01,1'ph6ng rui ro tai san c6
TOng
11 Cac khoan nQ' chinh phu va NHNN

31·12·2014
E>6ng

31-12·2013
E>6ng

300,254,859,036
881,352,906,381
3,430,590,353,895
1,069,626,424,179
(22,500,000,000)

427,052,195,616
427,417,960,662
2,231,536,690,185
654,119,286,563

5,659,324,543,491

3,740,126,133,025

31·12·2014
E>6ng

31·12·2013
E>6ng

31·12·2014
E>6ng

31·12·2013
E>6ng

2,309,906,401,245

944,388,509

2,309,904,398,385
2,002,860

944,388,509

2,054,966,000,000

4,000,000,000,000

2,054,966,000,000

4,000,000,000,000

4,364,872,401,245

4,000,944,388,509

4,333,921,500,000

750,970,000,000
256,639,200,000

4,333,921,500,000
8,698,793,901,245

1,007,609,200,000
5,008,553,588,509

1.VayNHNN
Yay cam cO cac giAy tOo c6 gia
TOng

12 Tilm, yang glPi va yay cac TCTD khac
12.1 Ti6n, yang glPi cua cac TCTD khac
a. Ti~n, yang gui khong kY han
• Bang VNO
• Bang vang va ngo~i t~
b. Ti~n, vang gui c6 kY han
• Bang VNO

• Bang vang va ngo~i t~
TOng
12.2 Yay cac TCTD khac
• Bang VNO
• Bang vang va ngo~i t~
TOng
TOng ti6n, yang glPi cua va yay TCTD khac
13 Ti6n gLl'i cua khach hang
• Thuy6t minh theo 10,1tlen gli'i
Page 15


NGAN HANG THU'ONG ~

cO PHAN QUOC DAN

B/6u s6' B05af[CTO
Banh8nh Iheo 00 s6 16.12OO7IQf).NHNN

BAN THUYET MINHBAo cAo TAl CHfNH
Quy IV nam 2014

Ti~n, yang gui khong kY han
- Ti~n gin khOngkY h~n B§ng VND
- Ti~n gin khOngky h~n b§ng wing, ngo~i t~
Ti~n, yangQui co ky han
- Ti~n gifi e6 ky h/~mMng VND
- Ti~n gin e6 kY h/~mb§ng vang va ngo~i t~
Ti~n gui v6n ehuyendung
Ti~n gui kY quy

TOng

31-12-2014

31·12-2013

f)6ng
958,448,525,029
943,135,281,304
15,313,243,725
23,453,664,142,569
21,544,235,890,859
1,909,428,251,710
212,383,156
32,458,477,284

f)6ng
530,990,547,312
518,097,200,215
12,893,347,097
17,830,441,491,516
16,166,051,029,653
1,664,390,461,863
13,881,285
15,490,532,882

24,444,783,528,038

18,376,936,452,995

• ThuyAt minh theo 10,1 hinh doanh nghltp

Ti~n gui cua TCKT
Ti~n gui cua ca nhan
Ti~n gui eua cac d6i tllQ'ng khae
TOng

31-12-2014

31-12-2013

f)6ng
2,996,785,154,904
21,447,998,373,134

f)6ng
2,640,142,745,684
15,734,519,392,644
2,274,314,667

24,444,783,528,038

18,376,936,452,995

14 VOn til trQ', uy thac dAu tll', cho vay TCTD chlu rul ro

V6n nhan tai tro, uy thae dau tll, eho yay bang VNO
V6n nhan tai trQ',uy thae dau tll, eho yay
bang yang, ngo~i t~
TOng

31-12-2014

31·12-2013

f)6ng
71,653,245,348

f)6ng
96,769,845,348

71,653,245,348

96,769,845,348

15 Phat hanh giAy ta co gl8 thong thll'ang
31-12-2014

31·12-2013

£)6ng

f)6ng
1,900,728,578,945
226,454,352,253

Ky phi6u ng~n h~n bang VNO
Ky phi6u ng~n h~n bang ngo~i t~
TOng
16 Cac khoan nQ' khac

2,127,182,931,198

Cae khoan phai tra nOibO
Cae khoan phai tra ben ngoai
Uli va phi phai tra
01,1'phOngrui ro khae
- DV phOngd6i v(1icae cam k6t dlJ'8fa
TOng
17 V6n va quy cua TO ch(rc tin dQng
17.1 Bao cao tinh hinh thay dOl v6n chu sa h(lu

Page 16

31-12-2014

31·12·2013

£)6ng
291,574,171
21,119,716,358
389,715,412,324

f)6ng
1,607,417,174
67,255,872,864
191,555,545,185
1,218,363,208
1,218,363,208

411,126,702,853

261,637,198,431


NGAN HANG THl10NG

~

cO PHAN QUOC DAN

Bl4us6' !!05&'TCTD
Ban h8nh thea Of) ad 16.12OO7JtlfJ-NHNN

SAN THUYET MINH sAo cAo TAl CHINH
Quy IV "am 2014
EJVT : 7i'~
n u dOng

17.2 Chiti

v n d u tlP cua TCTD
NOi dung

Kynay
V6nCP
thU'eYng

TOng 56

V6nCP
U'Udai

TOng 56

Ky tJ'U'ac
V6nCP
thlfeYng

V6nCP
lfU dai

V6n dflU tlf cua nM neoc
V6n gop
Th~ng dlf v6n cO phan
CO phiau Qu9
Tang

3,010,216

(29,644)
2,980,571

3,010,216
(29,644)
2,980,571

-

3,010,216

-

(29,644'
2,980,571

3,010,216

-

(29,644)
2,980,571

17.3 co phi6u
31·12·2014

- se IU'O'ngcO phiau dang kY pMt hanh
- se IU'O'ngcO phiau dU'O'cban ra cong chung
+ CO phiau phO thOng
+ CO phiau lfU dai
- s6 IlfO'ng cO phiau dlfO'C mua lilli
+ CO phiau phO thOng
+ CO'phiau U'Udai
- s6 IU'O'ngcO phiau dang IlfU hanh
+ CO phiau phO thOng
+ CO phiau lfU dai
* M~nh gia cO phiau dang IlfU hanh: (dOng)

350,000,000
301,021,552

301,021,552

3,352,000
3,352,000

3,352,000
3,352,000

297,669,552
297,669,552

297,669,552
297,669,552

10,000

10,000

VI. Thong tin bO sung cho eae khoan mue trinh bay trong bao caa k6t qua ho,t dOng kinh doanh
18 Thu nh$p Iii va cac khoan thu nh,p tlPang til
D~n 31/1212014
EJOng
146,585,693,615
Thu nhap lai ti~n glii
2,006,861,745,423
Thu nhap lai cho vay kMch hang
292,201,864,276
Thu lai tlr kinh doanh, dau tlf ch(J'ng khoan
nO'
•Thu fai til' chCfng khoan kinh doanh

292,201,864,276
-Thu fai til' chCfng khoan d§u til'
Thu nhap lai cho thue tai chinh '
8,679,772,615
Thu kMc tlr hOilltdOng tin dl,lng
2,454,329,075,929
TOng
19 Chi phi Iii va cac khoan chi phi tlPang til:
D~n 31/1212014
EJOng
1,724,968,371,914
Tra lai ti~n glii
111,761,011,265
Tra lai ti~n vay
13,214,346,203
Tra lai pMt Mnh giAy teYcO gia
Tra lai ti~n thue tai chinh
4,153,356,939
Chi phi hOilltdOng tin dl,lng khac
Page 17

31·12·2013

350,000,000
301,021,552
301,021,552

D~n 31/1212013
EJOng

63,335,149,608
1,739,350,828,062
341,457,469,159

341,457,469,159
92,236,949
2,144,235,683,778
D~n 31/1212013
BOng

1,277,648,103,890
34,948,402,581
223,687,541,875
11,952,508,752


NGAN HANG THU'ONG ~

cO PHAN QUOC DAN

BI6u ,6, f¥J5aI[CTD

***-

Ban him theo 00,6 16.12OO7lQE)..NHNN

BAN THUY~T MINH BAo cAo TAl CHINH
Quy IV nam 2014
TOng
20 Lii 10thuAn tCr ho,t dQng djch V\I

20.1 Thu nh.p tCr ho,t dQng djch V\I

Thu tl) djeh VI,! thanh toan
Thu tl) nghi~p VI,! bao lanh
Thu tl) djeh VI,! ngan quy
Thu khae
TOng
20.2 Chi phi ho,t dQng djch V\I

Chi djeh VI,! thanh toan
Chi va nganquy
Chi va uy thae va ct;ti Iy
ChikMe
TOng
20.3 Lii 10thuan tCr ho,t dQng djch v\I

1,854,097,086,321

1,548,236,557,098

f)~n 3111212014

f)~n 3111212013

£)6ng

£)6ng

10,592,407,097
934,053,224

4,218,314,136

10,192,437,576
3,071,829,643
814,412,598
2,236,778,814

15,744,774,457

16,315,458,631

f)~n 3111212014

f)~n 3111212013

£)6ng

£)6ng

3,078,219,729
3,220,652,896
1,881,002,864
14,467,281,004

2,603,562,900
3,161,627,337
10,852,652,952

22,647,156,493
(6,902,382,036)

16,617,843,189
(302,384,558)

21 Lii 10thuan tCr ho,t dQng kinh doanh ngo,1 hOI
f)~n 3111212014

Thu nh.p tCr ho,t dQng kinh doanh
ngo,i hOi
- Thu tl) kinhdoanh ngot;tit~ giao ngay
- Thu tl) kinhdoanh vang
- Thu tl) eMnh I~eh canh gia I~i ngot;tit~
kinh doanh
- Thu tl) cac cOngcu tai ehinh phal sinh
tian t~
Chi phi ho,t dQng kinh doanh ngo,i hOi
- Chi tl) kinhdoanh ngot;tit~ giao ngay
- Chi tl) kinhdoanh vang
- Chi tl) eMnh I~h danh gia It;tingot;tit~
kinh doanh
- Chi va cac cOngCI,! tai chinh pMi sinh tian
t~
LiilLO thuan tlr ho,t dQng k1nhdoanh
ngo,i hOI

f)~n 3111212013

£)6ng

£)6ng

228,046,526,345

37,006,448,241

144,772,424,971
259,749,159
81,234,343,168

24,512,855,247
174,486,588
12,319,106,406

1,780,009,047
228,813,494,374

27,551,009,814

115,957,817,587
322,246,759
112,263,418,599

7,917,271,960
128,296,458
19,505,441,396

270,011,429

(766,968,029)

9,455,438,427

3111212014
£)6ng

f)~n 3111212013

22 Thu nh.p tlr g6p vOn, mua cO phan
f)'"

COtuc nh$n Cl1Q'ctrong kY tl) g6p vOn,
muacO ohan

2,400,000,000
Page 18

£)6ng

4,292,990,000


NGAN HANG THU'C7NG ~

B!4u ,6,B05aO"CTD

cO PAAN QUOC DAN
BM".",

theo Qf) 56 16.12OO7lQEJ-NHNN

BAN THUYET MINH BAo cAo TAl CHINH
Quy IV nam 2014
- T(f g6p vOn, dau tU'dai hl;in
Cae khoan thu nh$p khae
TOng

2,400,000,000

4,292,990,000

2,400,000,000

4,292,990,000

23 Chlphiho,tdOng

1. Chi nOpthu~ va cac khoan phi I~ phi
2. Chi phi eho nh~n vien
.
Trong d6: - Chi IU'O'T1gva phr; cSp
- Cac khoan chi dong g6p theo IU'O'T1g
- Chi trt;1csp
- Chi cong tac X8 h¢i
3. Chi va tai san
- Trong d6 khSu hao tai san cO dinh
4. Chi eho heat dOng quan Iy oong VI,!
Trongd6:
- GOngtac phi
- Chi v~ cac hot;Jtd¢ng doan the cua TCTD
5. Chi nOp phi bao hi!m, bao toan tian gui

ella kMeh hana
7. Chi phi dl,l' phOng
TOng

f)~n 3111212014

f)~n3111212013

f)Ong

f)Ong

2,896,575,614

10,416,194,128
204,637,879,825
175,398,362,481
17,218,745,849
850,783,708

117,714,379,112
19,412,924,103
225,298,077,591

115,996,927,247
16,125,801,836
264,906,316,549

4,161,979,538

4,978,757,036
19,198,000

9,087,684,543
218,126,243,100
184,786,490,981
18,718,972,087

95,800,000
26,985,530,667

22,135,366,000

597,211,915,013

618,092,683,749

VIII. Cae thong tin khae
24 TInh hinh nhu nh.p eua can bO eong nhin vlin

f)VT : 1i'~
n util 6ng
f)~n 3111212013

f)~n 31/1212014

Chitliu
I. TOng 56 can b6, CNV
II. Thu nhap cua can bO
1.TOngquvlllO'na

2.Tian thllana
3. Thu nh$p khae
4. TOna thu nhaD
5. Tian 11I0'nablnh Qu~n
6. Thu nhap binh qu~n
25 TInh hinh thvc hitn nghia Vial v6i ngin saeh nhi nt.rbc

1,494

1,573

184,786

163,713

-

-

13,354
198,140
10.31
11.05

9,954
173,667
8.64
9.17

f)VT : 1i'~

n u dOng
Phit sinh trong IcY
31/1212014
S6din6p
S6phil n6p
8
1,485
1,465
28
(26,318)
5,446
(31,605)
(159'
393
11,652
11,086
959

Chitiiu

31·12·2013

1. Thu~GTGT
2. Thu~TNDN
3. Cae IOC"(ii thu~ khae
4. Cae khoan Dhi, I~ Dhiva cae khoan phai

T
Page 19

NGAN HANG THl10NG

~

cO PHAN QUOC DAN

8!6u,6: BQ5&'TCTD
Ban Mnh thea QE} s6 16.12007IQf)..NHNN

BAN THUYET MINH BAo cAo TAl CHiNH
Quy IV nam 2014
T6ng c~ng
26

(30,618}1

18,5831

(25,918}1

Nghia VI:! nQ'tiAm an vi eae cam k't dU'ara

Nghia VI:! nQ'tiAm an
Bao lanhvayvOn
Camk't trong nghi~p VI,! LC
Bao lanhkhac
27

12,3911

31·12·2014

31-12·2013

£)Ong
1,118,333,489,794

£)Ong
566,989,760,525

66,645,906,614
1,051,687,583,180

19,670,342,880
547,319,417,645

M(rc dOt,p trung theo khu v.,c dia Ij cua cac tii san, cong nQ'vi cac khoan mue ngo,i bang
TOngtlAn
g{ri

T6ng dlP nQ'
chovay

TrongnU'&c
NU'&cngoai

19,140,657

£)VT: tri~u dOng

Caccam CCTCphai sinh Kinh doanh vi
dautlP
k'ttin dl:!ng
chCrngkhoan

5,001,613

1,118,333

3,407

5,235,408

IX Quan Ij rui ro tii chinh
28 Rui ro thi trlPc7ng
28.1 Rui ro tiAn tt
28.2 Rui ro thanh khoan
28.3 Rui ro Iii suit
L,p bang

K' toan trlPc7ng

;(

J

Page 20


17.1 Bdo cdo tinh hlnh thay 46; v6n chi sO-hihl

NQi dung

Sc3duddukY

V6n g6p/V6n di~u
I~

3,010,215,520,000

Caphi~u quy

(29,644,379,970)

1,104,851,822

-

Tang trong kY
Giam trong kY

Sc3ducu8i kY

Quy dAu til' phst
tri@n

3,010,215,520,000

(29,644,379,970)

1,104,851,822

Quy d" phong
tai chinh

61,107,134,914
9,455,526,408

70,562,661,322

Page 21

Quy d" trfi' ba
sung v6n di~u I~

Quy khae thuQc
v6n chii sO'hfi'u

30,985,933,824
9,335,603,254

30,144,379,970

-

40,321,537,078

30,144,379,970

Lqi nhu.n sau

thu~ chll'll philn
ph6i/ L~ luy k~

98,657,469,742
8,144,217,785
18,791,129,662
88,010,557,865

T3ngcQng

3,202,570,910,302
26,935,347,447
18,791,129,662
3,210,715,128,087


NGAN lIANG TMCP

ouoc DAN
28.1 Rill RO TmN

sA liiu

Chi tieu
Taisin
1- TiBnrn~t vang bac, da quy
11- Tien gtii NHNN
ill- TiBngtii tai va cho vay cac TCTD khac (*)
IV-ChUng khoan kinh doanh (*)
V- Cong cu tlli chinh phai sinh va cac tlli san tlli chfnh khac (*)

VI- Cho vay khach hang (*)
VII- Chirng khoan dAuttl (*)
Vlll- G6p v6n, dAuttl dai han (*)
IX- Tai san c6 dinh va bAtdQngsan dAuttl
x- Cac tlli san C6 khac (*)
T6n2 tai sin
Nf phii tra va v6n chi sO'hitu
1-TiBngui cua NHNN va til vay TCTD khac
11-Tien giri cua khach hang
ill- Cong cu tai chinh phai sinh va cac khoan no tai chfnh khac
IV- V6n tlli tro, uy tMc dAuttl, cho vay rna TCTD chiu nii ro
V- PMt h8.nhgiAyto c6 gia
VI- Cac khoan nQ'khac
VII- V6n va cac quy
T6n2 nO'phii tra va v6n chi sO'hitu

bao cao

Tt;

ngay 31/1212014

EURdUV'C
quy d6i
98

2,634

USDdUV'c
quy d~·

01
44,735
264,076
123,349

-

-

-

271,532
1,282,932

-

-

-

-

-

2,732

-

239,970
2,226,593

-

945

-

1,930,212

-

-

4

2,508

949

1,932,720

-

Page 22

-

Gia trj vang
ti@ntf dUV'c
quyd6i

1,418

: rieu ong
Cac ngo,i tf
T6ng
khac dUV'C
quy d6i
279

-

-

-

545

46,531
264,076
126,528

-

-

271,532
1,287,845

4,913

-

-

-

-

-

-

-

2
6,334

-

-

824

-

-

-

-

-

-

239,972
2,236,483

7

-

1,931,164

-

-

-

2,512

7

1,933,676


28.2 RiJI RO THANH

s6 Iifu bio

KHoAN

clio d~n ngly 31/1212014

DVT: Tr/iu iJ6ng
Qui htn
Chi tit!u
TAl sAN
Tien mJt, vamgbac, eta quy
Tien girl t!li NHNN
Tien, vamggUi t!li va cho vay cac TCTD khac
ChUngkhoan kinh doanh
Cac cOngcu ti\i chfnh phAisinh va cac ti\i samtIli chfnh khac
Cho vay khach hamg
ChUngkhoamdAutu
GOpvOn,dAutu dai han
Tai samcO dinh va bat dOngsamdAutu
Tai samC6 khac
T6ngTli sin

Tr@n3thing

Trong htn

f)~n 3 thing

420,115
-

288,629
-

420,115

288,629

f)~n 1 thing

Til' 1 - 3 thing

220,380
840,907
4,760,706

3,365,757
476,615

-

1,400,000
1,225,643
-

Til' 3 - 6 thing

1,737,197
58,173

420,115

288,629

500,000
1,191,762
150,000

-

5,018,011.66
14,682,377

19,838
2,645,481

34,728
1,830,098

63,846
1,905,608

4,705,772

2,522,984

1,470,038

9,587,455
-

4,897,345
-

3,132,224
-

14,293,227
389,150

7,420,329
(4,774,847)

NQPaAITRA.
Tien girl cua va vay til cac TCTD khac
VayNHNN
Tien girl caa khach hamg
Cac cOngcu tIli chfnh phai sinh va cac khoa\nn~ tIli chfnh khac
VOnti\i tr~,uy thac d40 tu, cho vay TCTD ehiu riJi ro
PhAtha\nhGTCG
Cae khoa\nn~ khac
T6ng nCTphii tri
Mlh: ch@nhlech thanh khoin rimg

Til' 6 - 12 thing

Page 23

6,334,821

7,804,858

(5,974,760)

3,132,224
(1,226,616)

Tr@nl nlm

-

T6ngcOng

220,380
840,907
6,660,706

-

3,407
8,411,553
4,550,620
669,400
1,147,550
545,401
15,327,931

3,407
16,640656
5,235,408
669,400
1,147,550

5,681,825
37,100,239

492,939
71,653
-

8,698,794

411,127
975,719
14,352,212

24,444,784
71,653

411,127
33,626,357
3,473,882


NGAN HANG TMCP QUOc

DAN
28.3

Rin RO LAI SUAT

sA Iifu bao cao d~n ngAy3111212014
EJVT: Trifu d, ng

Chi til!u

Qui htn

TA.ISAN
Ti& mJt, vang bac, da quj
Ti& gIii q,i NHNN
Ti&, vang girl q,i va cho yay cac Tern kMc
Chtmg khoan kinh doanh
Cac cang cu tBichlnh pMi sinh va cac bli sin tBichlnh khac
Cho yay khach hang
Chtmg khQin diu tv
GOpvOn,diu tv dai h~
Tai san cO djnh va bAtdOngsan diu tv
TIlisin COkhac
Tang Tli sin
NCIpmI TRA
Tien girl cua va yay tir cac Tern khac
VayNHNN
Ti& girl cUakhich hang
cae cang cu tBichlnh pMi sinh va cac khoan nil tBichlnh khac
VOntBitrq, Uy thac diu tv, cho YayTern chju rui ro
PMt h8nh GTCG
cae khoan nil khic '
Tang ntTphii tri
M6-cchl!nh I~ch nhu cam v6i Iii suAt n6i binI!
cae cam ket ngO\libang cO tic dOngtai mfrc dOnh1.lYcam vm
Iii suAtcUac8c tBisin va canl!:nil (mng)
M6-cchl!nh lech nhu cim v6i Iii suit n6i bin!, n!otli bin!

708,743

-

-

708,743

708,743

708,743

Khang chiu
Iii

D~n 1 thang

220,380
840,907
2,460,706

-

2,300,000
6,280,164
476,615

-

1,400,000

6,481,777
-

Til' 3 -6 thing

1,548,491
58,173

-

TiI'6-12
thing

Til' 1- 5 Dim

500,000
1,398,987
150,000

-

195,601
4,525,584,

-

Tren5 nim'

220,380
840,907

6,660,706

3,407
26,892
25,036

3,407
16,640,656
5,235,408
669,400
1,147,550
5,681,825
37,100,239

-

9,056,779

7,881,777

1,606,664

2,048,987

4,721,186

55,335

2,309,906

2,395,866

2,522,984

1,470,038

991,1l9
-

8,596,335
-

9,467,045
-

492,887
-

52
71,653
-

9,467,045
(7,418,058

492,887
4,228,299

411,127
3,712,152

7,308,615

10,992,201
0,935,422

-

-

7,308,615

(1,935,422)

4,897,345

7,420,329
461,448

1,470,038
136,626

-

461,448

136,626

(7,418,058)

-

4,228,299

Tang cOng

-

669,400
1,147,550
5,681,825
11 020.767

Page 24
'~

Til' 1- 3
thing

71,705
(16,370)

(16,370)

-

8,698,794

71,653
-

24,444,784

411,127
33,626,357
3,473,882

3473,882