Báo cáo tài chính công ty mẹ quý 4 năm 2015 - Ngân hàng Thương mại Cổ phần Việt Nam Thịnh Vượng

NGAN IrANG TrrItoI'{G MAI cO PHAN

VIET NAM TIIF'IH

vt'qNc

B6o c6o tdi chinh ri6ng
Qriy IV nlm 2015 vd n6m

tii

chlnh k6t thric n giry

3l '12'2015


Ngdn hdng TMGP ViQt Nam Thinh VuEng

rn6nc lt't vE HcAu rAHo
la ngan
Viet
Nam.
nghTa

Noan hanq TMCP Viet Nam Thinh VuEng ("Ngan hang" ho+c
c6'otrAn duoc thAnh lfp vA dang ky tei nudc Cong hda Xa nol

s6 oo42lNH-GP
nhan Deng kY
9 ndm 1993, sfta
99 nem kg tl,

thuong mal
NgAn hAng
n doanh so
lAn

tho 34

12 theng

I

nam 1993.

heng bao gbm huY t
n; cho vay ng5n, han,

i
thuc hiCn c6c giao dich ngoai te, cac dich vU Hi trq thuong
trai ptri6u vi c-c giAy tit c6 gie khAc, vA c6c dich vu ngan

ndng"ng'u6n v6n c

qu6c t6, chi6t khiu
khac duqc Ngan

va nhan
han va
NgAn hAng;

rong phi€u,
Nha nudc

cho phep.

v6n gidu

lQ

trieu
V6n di6u le cia Ngan hang tai ngay 31 thang 12 nem 2015 le 8.056.466
dong).
trieu
ld6.347.410
thdng 12 nam zOM
M?ng

lttrt

(tai ngay

31

ho?t dang
tl

II

n

iei

)(

Phudng
Tai ngay 31 thdng 2 nam 2015,
tu (164)
nhdnh, mOt tr6m sau

06, s6 72 TrAn Hung

HQID_ONG AUAN TRI
Cdc thanh vien HOi dEng Quen tri cua Ngan heng trong nem
nnu sau:

Ong Ngd Chl D0ng
Onq Biii Hdi QuAn

On! Lo elng Giang
Ong Nguy6n

Vin Hdo

Ong NgO Phuong Chl
Ong Luong Phan Son
Ong Nguy6n D*c Vinh

vao ngay

lfp b6o cdo

chlnh rleng

Chrl tich
Ph6 Chi tich
Ph6 Chtl tich

Thanh vien doc lap
Bd nhigm ngay 20 th6ng 4 ndm 2015
Thenh vien doc lap
Mi6n nhiem ngay 20 thang 4 nem 2015
Thdnh vi€n
ThAnh vi€n

BAN KIEM SOAT
bao
cac thanh vien Ban Ki6m so6t cria NgAn hang trong ndm ve veo ngay lap
nhu sau:
Ha va rcn
BA Nguyen QuYnh Anh
Ba Nguygn Thi Blch ThUY
BA Nguy6n Thi Mai Trinh

Tru&ng Ban Ki6m so6t
Thenh vlen chuyen trach
Thanh vien

1

tai chlnh tieng

BAN TONG

GdM DOC

Cec thenh viCn Ban T6ng Gi6m tt6c crla NgAn hdng
rigng nhu sau:

nem va vao ngay

tai chlnh

HQ ve rcn

T6ng Gi6m
Ph6 T6ng {

Ong V0 Minh Trudng

d6c

Ph6 T6ng

tl6c
d6c
d6c
tl6c
d6c
tl6c

96 nhi€m
Ph6 T6ng

6 th6ng 7 nem 2015

Mi6n

d6c
ngay 9 theng 5 nem 201

.)


Ngdn hdng TMCP Vi6J Nam Thinh Vugng
B02lTCTD

BANG cAN D6I KE ToAN RIENG

tai ngey 31 thang 12 nam 2015
Ngey 31 theng 12
I

Ngey

theng 12
ndm 2014

ninh

ndm 2015
Tri€u ddng

5

1.632.425

1.357.719

6

2.094.220

3.7o',t.129

7

15.152.432
9.282.502

13.186,367
1.562.416
11.630.402
(6.451)

nuyet

TAI sAN

Tian mit, vang bgc, dA quf

Tidn grli tai Ngan heng Nhe

nufc

ViCt Nam

Ti6n grli vir cho vay cAc t6 chr?c tln dgng khdc
Ti6n grlitai cdc TCTD khec

5.870.661
(731)

Cho vay c6c TCTD khdc
DlJ phong rii ro

Ghrlng khoin kinh doanh

2.043.847

2.046.735

ChOng khoen kinh doanh
DF phong rii ro chong khoen kinh doanh

Cho vay kh5ch hang
Cho vay kh6ch hang

11

95.429,155

96.596.303
(1.167,148)

74.903.573
(1124.302)

12

47,729.481

47.939.680

12.1

43.950.62,|

44j90,929

10

Du phdng rii ro cho vay kh6ch hAng

cho
han

G6p v5n, ttAu tu dAi hqn
Dau tu vao c6ng ty con
DAu tu ddi han khac
Du phdng giem gid dAu tu

(3.088)

dii

12.2
12.3

4.520.639
(741.77e)

13

2.153.291

13.1

1.839.035

13.2

314.729
(473)

hqn

Tai sen c6 dinh

14

Tdi sen c6 {rnh hhu hlnh

Nguyen gia iai sin_c6 dinh
Hao mdn tii sdn c6 tlinh
Tei sen c6 {!nh v6 hlnh
Nguyen gia tAi sdn-c6 dinh
Hao mdn tAi sen cO dinh

Tai san c6 khac
C6c khoan phai thu
Cec khoan l6i, pht phdi thu
Tai san C6 kh6c
Drj phdng r0i ro cho cac tai san C6 nQi beng

khac
TONG TAt SAN

3.824,461
3.839.440
(14.979)
73.779.271

3.956.097
(197.346)
2.201.611
2.139.035
63.049

(473)

388.506

540.438

213.975

241.054
527.375

57'2.676
(358.701)

(286.321)

174.531
320.430
(145.899)

(107.008)

2,895,116

,t2,083.578

15.1

o.,Jt,u.ooo

5.276.092

15.2
,tE 2

3.6t|4.739
3.140.943

2.945.420

15.4

ev.224)

14.2

15

't

179,518.273

299.384

406.392

3.968.452

58,614.254


NgAn hAng TMCP Viet Nam Thlnh VuEng
BANG cAN Dor Ke ToAN R|ENG (ti6p theo)

BO2/TCTD

t?i ngay 31 thdng 12 nEm 2015

Ngdy 31 theng 12
t

Ngay

theng 12

ndn 2014

nuyet

nam 2015

minh

TriQu ddng

trE

4.82r.063

832.555

Ng PHAI TRA
CAc khoan nq Chlnh phrl vir

Ngin hing
nu6c
Tidn grli vir vay cic t6 chrlc tin dgng khdc
Tidn grli cia c6c t6 chrirc tln dr;ng kh6c
Vay cAc t6 chr?c ttn dung kh{c
Ti6n grli crla kh6ch hing
Nha

Cdc c6ng cU Ht chinh phei sin va cec khoan

tii chinh kh6c
V6n tii trq, 0y th{c diu tu, ch
tin d|Jng chlu rii ro
Phit hinh gidy td c6 gii
nq

17

17.580.782

27.101,782

17.1

9.696. 130

17.2

7.es4.652

15.568.510
11.533.272

18

129,237.126

07 ,7 52,423

I

127.785

215,333

19

383,188

125,246

20

11,364.259

10.809.544

21
21.1

3.708.207

3.090.508

z.cco.J/0

1.917.301

21.2

1.151.831

1.173.207

167.222,390

49.927.391

vay t6 ch&c

Gdc khoin ng phai tre khAc
Cdc khodn l5i, pht phii trd
C5c khoin phdi kd vA c6ng nq khdc

TONG Nq PHAI TRA
VON cHU sd HOU
V6n diAu l€
Thfng du v6n c6 phAn

8.056.466

1.288.863
713.560
2.236.994

6.347.410

Sd HOU

12,295.883

8.686.863

TONG Ng PHAI TRA VA vON cHU sO HOU

179.518,273

58,614,254

CAc qu! dr,r ktr
Lqi nhuAn chua phdn ph6i

TONG VON CHU

23

ZJ
ZJ

z,t

1.369

452.200
1.885.884


Ngdn hdng TMCP Viet Nam Thinh VuEng
BANG cAN o0r KE roAN RIENG (ii6p theo)
tai ngay 31 thang 12 ndm 2015

BO2iTCTD

cHITIEU NeoAI sANo cAru o6I rE roAru ruEHC
Ngey 31 theng 12

nem 2015
neu oong

I

1.371.115
36.295.411

37.660.630

924.626

t.006

926.765

35.809.239
2.610.856
6.459.637
1.680.163

53,716,846

48.411,286

36.295.411
Cam k6t trong nghiCp vU LiC
Bdo lSnh khic

o.Jzo.Yoo
8.550.326

cec cam k6t khac

1

NSuOirap:Q/

BA Nguy6n

ThiThu Hlng

K6 todn Tru&ng

Ngudi kiem soat:

Bd

Lfu Thi Th6o

Ph6 Tdng Gidm d6c

Kiem Giam ddc Tei chlnh

Ha Noi. Vigt Nam
Ngey 29 thang 1 ndm 2016

.17

T6ng Gi6m d6c


Ngdn hAng TMCP ViQt Nam Thinh Vuqng
EAO cAo KET oUA HoAT ooNG KINH DoANH RIENG
QUy lV nem 2015
va nem tai chlnh kei thuc ngay 31 theng 12 nem 2O1S

t

BO3/TCTD

nuyel

Lay k6

dAu

ndn d6n

minh

Ndm2015
Trieu

Thu nhfp lai va cdc khoan thu nhap
tuong

tLP

Chi phl laiva cec chi phl tuong

tu

24
Zs

Thu nhap lel thuin
Thu nhap

til

hoat dong dich vu
Chi pht hoAt dong dich vu

LiithuAn tU hoqt 6Qng dich
L6 thuen tu holt dQng kinh

doanh ngoSi

h6i

Lii thuin t&

mua ben

khoen kinh
LEi

vU

VND

Ndm 2014
Tneu VNt)

3.654.871
(2.027,805)

(1.ee8.298)_

3.637.879

1.827,066

1.639.5811

Nem

TriAu

14.437.1
7A{ aa

TriAu VND

12,175.359
(6.e6e.575)
5.205.784

Eaa

212.605
(84.47e)

(141.583)

26

128,126

119.894

2t

(200.342)

(33.180)

ZA

32.030

(33,817)

3.730

29

(71.163)

31.87!)

465.573

301.229
(10.245)

70.368
(20.755)

(36.845)

30

290.984

49.613

90.530

3t

221.837

1.663

67.392

2.028.538

1.775.633

6.{03.367

(1.163.087)_

(3.496.385)

261.47 tl

412.1

698.415
(338.050)
360.365

(290

(8e.e47)

chfng

doanh

thuin tb mua bin chrlng

khoan dau

tu

Thu nhap tt hoAt dong khdc
Chi phl hoat dong khac

Lii thuin

tD hotrt dQng

khec

Thu nhap tb g6p v6n mua c6

phin

TONG THU NHAP HoAT oQNG

TONGcHI

PHIHoAToONG

32

(1.2?2.3s2l,

127.375

Lii thuin tU hoSt dQng kinh doanh
tnr6c chl pht dF phdng rii ro tln
dung

Qllpj|l

796,146
Qs plols_rllr_o

llr d_u.ns-_ _€_

rONG Lq| NHUAN TRtrOc rHUE

183.81

812,327

612,541i

462.570

149.97ti

4.'11
1

1.997

1,536.854

Chi phl thu6 thu nhflp doanh nghiQp
hiQn

hAnh

Tdng chi phl thu6 TNDN

Lql

NHUAN SAU THUE

Nsudi Ep:

S/

BA Nguy6n

ThiThu Hlng

K€ todn Trudng

HA NOi. Vi9t Nam

Ngdy 29 th6ng 1 nim 2016

22.1

(223.863)

(5e.540)

(323.540)

(223.863)

(5s.540)_

(323.540)

388.464

90.436

1.213.314

Ph6 T6ng Gi6m d6c
Ki6m Gidm d6c TAi chtnh


Ng6n hdng TMCP ViQt Nam Thinh Vusng
BAo cAo LLTU CHUYEN TIEN TE RIENG
cho nem tai chfnh k6t thuc ngAy 31 th6ng 12 n6m 2015

t

BO4/TCTD

nuyet
minh

2015
Tri€u d6ng

Luu cHUyEN nEH rtr Ho4rogHc
KINH DOANH
Thu nhap l6i vA c5c khodn thu nhap tuong tH
nhan dugc

Chl phl lai ve c6c chi pht tuong

14.543.551

trd
vU nhan duEc

189.092

1.319.678
037)
360.421

(26.241',)

289.075

721.987

20.302

204.733

69.994

(7.077.162)

tr.r dA

tfi hoat dong kinh
?c, ngo?i te

TiAn thu6 thu nhap thpc nop trong

1

(3.457.205)

nem

22

769)

(244.4441

474.78

4.854,311

1,366.877

5.759.742
109,354
(25.360.734)

1.433.477)

(1.146.074)
941.209

(707.090)
1.065.104)

3.988.508

1.052.902)

(9.521.000)

13.967.730

21.484.703

23.091.697

554.715

6.308.789

257.942

61.509

(87.568)

164.482

Luu chuydn tiBn thuln t& ho?t dQng kinh doanh
tru6c nhirng thay tl6i vd tirl srin va nq phal tre
hoEt tlQng

Gidm ngu6n dH phdng ttg bU d5p t6n thAt c6c
khoan (tln dUng,
duns, ch*ng
chrlnq khoen,
khodn. dAu tu ddi han)
han
Giem/ffenq) khdc ve tdi
Giem/Oeng)
tai sdn
san hoat dOng
it6no

Nhting thay dil vA nq phei te hoet dlng

Teng/(Gidm) c5c khoin nE Chtnh phu vA Ngen
hang Nha nudc

A (ngogi trU giSy

hoAt dong

tii

76.769)

748.852)

td c6

chtnh)

tu, cho vay md t6

rii ro
(Gidm)/Teng cec c6ng cq tAi chtnh phdi sinh vd c6c
khoan nE tei chlnh khac
Giim khSc vA cong nq hoet dong

(45?f3e)

Luu chuyBn tidn thuen t& ho?t atQng kinh doanh

1.382.469

5,463.390

(129.010)

(93.753)
oo,t

chl?c ttn dung chiu

155.249
(837.733)
1.110.500
156.779

Luu chuy6n tidn tU/(sr! dgng vao) ho?t dQng

tliu tu

455,785

1

1.224.03s1_

67.332


NgAn hdng TMCP ViQt Nam Thinh Vuong
B,Ao

gAg.lqg cHUyEN IEN rE RteNG (ti6p theo)
t<6t ttroc ngay si *rang ri n-i;2Es

BO4ITCTD

cho ndm tdi chinh

Thuydt
minh

luucnuvElr ilEN
TAI CHINH

ff

ng.y6n c6 phAn
cd ohi6u

tr:r

_TiQu

2015
ddng

2014
Tri€u d6no

TU HoATDQNG
96p v6n vA/hoAc phet henh

23,1

Luu chuy6n tidn thuAn tr) hoqt ttQng
Luu chuy6n fiBn thuin trong nim

tii

chlnh

vi cic khoan tlpong duong tidn itiu nim
Ti6n vi cic khoan tuong ttuong ti6n
cutii nem
TiAn

2.0 19.690

2.019.690
3.857.944

4.213.587

9.151.203

4.937.616

13.009.147

9.151.203

glg.g.!4-o,plcH pHtrrEN rF rRgNG y€u

TRONG NAM

PhdtfrAnh. c6 phi6u thudng tu quy
dH
von dieu le
Ting v6n ttr tEi nhuan d6 tai

Nguoi

trf

b6 sung

Ep:Q/

BA Nguy6n Thi Thu
KC toen

Hino

Truang

BA L'uu Thi Thdo
Ph6 T6ng Gidm d6c

Kiem Giam d6c Tai chtnh
Ha Noi. ViCt Nam
Ngdy 29 thdng 1 ndm 2016

44.350

932.510

27.526
549.884


NgAn hdng TMCP Viet Nam Thlnh VuEng
THUYET MINH BAo cAo TAI oHINH RIENG
tai ngey 31 theng 12 ndm 2015 va cho nem tai chtnh k6t th[c cung ngey
1.

BOs/TCTD

DAc DIEM HoAr ooNG cUa noAru nAnc

Ngin hAng. TMCP Viet Nam Thinh Vuqng (,NgAn hAng', hofc ,,VpBank',) t{ ngan hang
thuong mai c0 phan duqc thanh lap va deng ky tai nu6c Cong hda XA hQi Chi nghia ViCt
Nam.

Ngan hang iluqc thAnh lfp theo GiAy ph6p
heng NhA nudc ViCt Nam ("NHNN") cAp n
Ddng ky Kinh doanh s6 0,100233583 do'S0
ntrm 1993, srla e6i tAn th* 34 ngay I the
ph6p la 99 nem ke ttr ngay 12 thang I nem
Ngen heng 6uEc th6nh lap nhlm thr3c hign cdc giao dich ngan hAng bao gdm huy dQng vd
nn?n ren gur ngan han, trung han va dei han tir cac t6 chrlc vd cd nhan: cho vav noin han.
trynS
|tal.vq d?i.hqn d6i vdi.c6c ti choc ve ce nhan tren co sd tfnh chet va kha ne,ig ngudn
v6n cr)a NgAn hAng; thuc. hien c6c giao dich ngoai tC, cec dich
oicr, vU

uu Bi trg thuong mai "q;;;
qu6c
te, chiet khau thuglS p.!16-u,trii phi6u vd cac gi6y td c6 gie khec, va cacdich vu-ngan n'eng
khec duqc Ngan hAng NhA nuoc cho phep.

iailiEln"d;;ii

v6n ai6u

lQ

V6n didu

N-g-al'.|''.?n_S
Le_c0,a
Jqi_ng?y 31 th6ng 12 nem 201s ta 8.056.466 tnieu ddng (tei ngay
31 th6ng 12 n5m 2014la 6.347.410 trieu d6ng).

Mgng

lttri

hopt.6Qng

Ngan heng.c6 trlr s& chlnh dit tai TAng 1 - 7, T6a nha ThU D6,
Phudng TrAn Hung Oao, euan Hodn Ki6m, Thinh ph6 Ha NOi,
thang 12 nem 2015, Ngen hang c6 mot (1) H ,i sA chlnh, b6n muoi
trem seu muoitu (164) phdng giao dich tr€n cd nudc.
CEng ty con

Tai ngay 31 thdng 12 ndm 2015, Ngin hing c6 hai (02) c6ng ty con s& hii,u
sau:

TEn cang

ty

COng ty TNHH
Quin lf tAi sdn

Ngan hang TMCP
Vigt Nam Thinh
Vuqng (VPBank
AMC)
COng ty Tai chtnh

TNHH MTV Ngen
hdng Vi9t Nam

Duqq thdnh lQp theo

Ngdnh hoat d1ng

lhin Ddng kl Qudn lf n9 vA
Kinh doanh s6
khai thec tai san
0105837483 do S0 K6
ho?ch vi DAu tu HA NQi
cap ngay 15 thAng 4 nem
2013

GiAy Chrlng

dich

GiAy Chung n_han Ddng ky Hoqt dQng
Kinh doanh s6
v1r tii chtnh
0102180545 do Sd Kd

Thinh Vuqng (VPB hoqch vd 9Au tu Ha NOi
rv,
cap ngay 1 th6ng 6 ndm
2015

khdc

trtc

v646rJf_
115

t|

ti6p nhu

% sd

tt6ng

hftu

1oO%

Vigt Nam

1500 ty
tl6ng ViQt
Nam

Nhdn vi6n

ang tai ngay 31 thdng 12 n5m 2015 ta 6.561
9.035 nhAn vi6n). Trong quy 1 nem 201S, do
sang VPB FC, 3.713 nhAn vi€n oia Kh6i Ttn
n chuy6n sang VPB FG.


NgAn hdng TMCP ViQt Nam Thinh VuEng
THUYET MINH BAo cAo TA CHINH RIENG (ii6D theo)
tai ngay 31 thAng .12 ndm 2015 vA cho nam tdithinh l6ittrUc
cung ngay

2.
2.1

BOs/TCTD

KY KE ToAru vA ooI,I vJ TIEN TF sT} DuNG TRoNG
KE ToAN
Ndm At chtnh

Nem tei chrnh crla NgAn hang b5t 6Au vao ngay 1
th6ng 1 va k6t thuc vao ngay 3,r thang 12.

2.2

Don vi ti6n tQ stt dyng trong k6 todn

3,

cuuAu rupc vA

3,1

Tuyan b6 tuen th&

HF TH6NG

rE roAru Ae oqlrue

Ban T6

hd^
',vp
thrl

tii chlnh ri6ng aflnh kem duqc laD ohit
6ns k6 toan cZc TC'I'D vief iririltlin
va cac quy alnn pr,ap ly Jilid,

r,Ar

vu

cdc

Cq

lt"il',

sd lflp beo ceo ht chtnh

nudc viet Nam vd He rh6ng chuAn m,rc 16 toan

>
>

v6i

r.i"'.n

t iiiiiiiir;;"#

;Hi ;::

Quy6t dinh s6 149/2OO1ieD-BTC. ngiy 31 thAng 12 nem
2OO1vg viec ban hdnh b6n
Chudn mpc k6 toen ViCt Nam (DEt ij; '
Quy6t dinh s6 16S/2002/eD-BTC. ngay 31 thang

n

>

auy{t dlnh s6 122005/QD-BTo

2 nem 2oo5 vd vieo ban hanh seu

>

ouyft dinh s6 1oo/2005/QD-BTC ngay 28 thang 12 n6m 2005 v6
vigc ban
'
ChuAn msc k6 todn

>

nem 2OOZ vd vipc ban henh s6u
chudn mlpc kd to6n ViQt Nam (DEt zj; '
Quy6t dinh s6 234l2003/Qo-!]c,ryay 30 theng 12 nem
2oo3 vA ri'iqc ban hanh sdu
Chu6n mqc kd toen Vigt Nam (OEt Sj; '
ngey

ChuAn mrxc k6 toen ViCt Nam (DEt.i); va_15

theng

Met Nam (DEt 5j.

heo duEc lap tr6n co sd tuan

o?t dong kinh doanh ri

tic

vA th0ng t€ k6 toan

am.

10

hAnh b6n


Ngdn hdng TMCP Vi€t Nam Thinh VuEng
THUYET MINH BAo cAo TAI CHINH RIENG (ti6D theo)
tqi ngdy 31 theng 12 ndm 2015 vA cno nam tai bhtnn k6ithrlc ctrng ngAy

3.
3.2

GHUAN

BO5/TCTD

Mqc vA cHE oQ KE TOAN Ap DUNG (ii6p theo)

Ce s& lflp bdo ceo EI chinh (ti6p theo\

s6
31

Cdc co sd d^nh gid ve c6c tp6r tinh k6 toen ep dgng

quan sau nay,

4,

T6M TAT cAc cHiNH sAcH KE ToAN cHU YEU

4.1

CAc thay ddi trong

chtnh sdch k6 toen va thuydt minh

chlnh sech k6 toen Ngan heng sr? dung dd lap b6o c6o tai chlnh rieng ilugc dp dung
vfi cdc chlnh sdch da duEc srl dung dd lap b6o c6o tai chlnh rieng cho nim tii

nhAt qu4n

li6n quan tf6n cAc righipp vq iau:

P\e!t2li.nTth??..9y!
sO 092,014/TT-NHNN

{!!h tai Th6ng.tu

sd

(ThAng tu 09,)

th
20
nguyen

D6ng
nam

02nus/rr-NHNN (.Th6ns tu 02,) ve

Th6ns

tu

02 chtnh thoc h6t hieu lr,rc tir ngey 1 th6ng 4
c_lfrlc hien co c6u tqi thdi hanird ncrui tirt
Di6u 10.

khodn ciit Chd dO beo ceo

.,{!;h,il,:i:!,T;ii{ll
NHNN ("Thong

tu

ndn 2004 ala

4g')
11

Th6ng d6c


Ngdn hdng TMCP Vipt Nam Thinh Vugng
THUYET MINH BAo cAo TAI oHINH RIENG (ti6D theo)
tai ngey 31 theng 12 ndm 2015 va cho nam tdibhinh k6ithrlc cung ngdy

BOs/TCTD

4.

TOM

4.1

cec thay d6i tong chfnh sech k6 todn ve thuy*t minlr (ti6p theo)

TAr cAc cHiNH sAcH xE roAH cnO vEu (ti6p theo)

0o4/QD-NHNN ngay 29 theng
Theo d6, mau bi6u beo ceo tai chinh
sau:

>
>

4 n5m 2OO4

cia Ngan hang s6 c6 mot s6 thay d6i

cUa

chr) y6u nhu

86 sung cdc mau bi6.u bdng cen d6i k6 toen, beo cao k6t qua hoqt dQng
kinh doanh vd
b?o ceo tuu chuyBn riAn tdtheo cec srla e6i u6 sung tai Tn6ng
t,, oz,itorgilijij
Thong tu 10;
"e

86 sung mot s6 thuy6t minh bao cao tai chtnh phu hqp voi viec sira d6i
beo c6o tai
chlnh, bao g6m bdng cAn d6i kC toAn, bdo c6o k6t qud hoat dong
kinh doanh va bAo
cao tuu chuyen tiCn te.

Thons tu s6 2OO/2014/TT-BT} -,Thay th6 Ch6 dO k6 ben doanh nghiep
ban hdnh
dinh sd l woo6/eD
BTc (Th6ng iu 200;)

-

tqi euy6t

gtus6
cho bao

ffirig

>

>

Dr.r phdng

.

hqn:

v
duqc
crta c

D6i

c6 phi6u ni€m y6t no4c gie tri hqp tf khodn dAu tu
dr,r phOn_g dugi thyc nien orra tre.n
fiia tri tf,i. tr"Ong
phong giam gia chung tihoan rcnn odannj;
"

'

vigc lap-dH phdng duqc thuc h-ien can co vao inoan
phong ton that dAu tu vao don vi khec).
Trlnh bay bdo ceo k6t qua ho?t dong kinh doanh:

'
>

giim gi6 dAu tu ddi

c0a btn duEc dau tu (dH

Thu nhap kh6c vA chi pht kh6c: Ktri thanh ly, nhuEng bdn tdi s6n
c6 dinn, bAt dono
sdn ilAu tu, ch6nh t€ch siria khoan phei rhii tD
chi phfthanh tf duqc trlnh bay theo i6 thuAn

ilaito.s;il;ilii'ti:i'#'lii"X

Cec luu y vd phan ph6i tqi nhuan:

cAn cdn nh8c tt6n c6c khodn muc phi tien te
han ph6i c6 rhC anh huans a6n iu6iig t'6; vj
Ngan hang.

12


NgAn hdng TMCP Vigt Nam Thinh VuEng
THUYET MINH BAo cAo TAI oHINH RIENG (ti6D theo)
tai ngAy 31 thdng 12 nem 2O1A va cho nem tdi cntn[ k6itnUc
cirng ngay

rAr cAc

4,

r6n,l

4,1

Cec thay dAI trong chfnh sdch k6 to6n va

BOs/TCTD

cHiNH sAcu xE roAru cHo yEu (tidp theo)

thuy,t minh

Th6ng ttr sd 14/201s/T
mjt s6 Adu cha Th6no
crta cong ty Quen ry

Ti6n vd c{c khoAn

t

(ti6p theo)

il5
vd

tiii

cda NHNN s&a d6i, n6 sung
mua, b6n vA xtl g nq xAu

iei

Nan ("Th6ng

tv

14,)

itrng d.tvng tidn

Cho vay khech heng

cdc khodn cho vav khdch hano duEc c6ng b6 va trrnh biy theo
s6 du nq g6c tqi thdi di6m
ket thuc nam tai
chtnh.

I

Dlr phdng

r

l ro tln dung

I

c t6 chuc fln dqng khec, mua vA iv
vay khach hAng vd iy thec c5p fln
eo phuong ph6p dinh tuEng eiugc

cu

ffi Tii;il,1H?l'#'lifl f;i jli?
n*iii'ir"gr.':iiliii$,ui:?iitffi
rl lg drr phdng *rE e6i voi rr:r'ns-nhil ilil
ilE ;'#
thens 1 1.

cu

""r,

Tinh tr?ng qua h?n
(a) Ng trpng-h?n vA duqc d6nh gi6 In c6 khd neng thu
h6i tlAy dr) cA nq g6c vd lti drtng han; hoflc
y va duqc ddnh gie la c6
nq g6c vA l5i bi que han va
tei cdn tAi dung

thdi h?n.

(a) Nq qua hqn tt 10 ngdy ddn 90 ngey; ho{c
(b) N9 di6u chinh kl han kd nE tAn dAu.

13


NgAn hdng TMCP ViQt Nam Thinh Vusng
THUYET MINH BAO CAO TAI CHINH RIENG (ti6O thEO)
tai ngay 31 theng 12 ndm 2015 vd cho nam tai'cfrfin

t6ithUc cUng ngay
4.

roM rAr cAc cHiNH sAcH xE roAru cHU yEu

4.4

D1r phdng

ril

BOsiTCTD

(ti6p theo)

ro tin dgng (ti6p theo)

ry

Tlnh trqng qud hqn
Nq duoi
ti6u
chuAn

tc

dp phdng

(a) Nq que han tir 91 ngdy d6n 180 ngay; hoAc
(b) Nq gia hqn ns tAn dAu; ho{c

'
.

Khoan

nqvi ph?mquydinhtai cdc khoAn 1,g,4,5,

holc'-' '-'
1,2, 3, 4
hoic ' -' -' '

6 DiEu 126 Lirat cac td ch0c tin aung;
Kh.odn nE vi pham quy dinh t?i c6c khodn
DiAu 127 Lu4i cAc td cirlc iln dung;

vi phqm-quv dinh t?i c5c khoan 1, 2, s
' Ditu
[!pal128lqLuflt
cdc t6 chrtc ttn OUng.
Nq
nghi ngd

(e) Nq kong thdi han thu hdi theo kgt luan thanh
tra.
(a) Ng qua han tu 181 ngiy cf6n 360 ngAy; hoac
(b) Nq. co cdu laj thdi ha! h6 nE rAn dAu_qud
hqn du6i 90
ngey theo thdi h?n tra nE dugc co cArj tai tAn AAu;

Gc

(c) Nq co cdu lai thdi han trd nq lAn thrl hai; hoic
(d) Khodn nq quy dinh tqi di6m (d) cria ng Nh6m
3 chua thu
nor suEc trong
gian tir 30 ngAy Cf6n O0 ngay kE ttr
-thoi
ngay c0 quyet dinh thu hdi; hodc
(e) Nq phAi thu hditheo kdt luAn thanh tra nhuno qud
thdi
rufn rhanh rra d6n 60 nsiymA v5n

lf,ljiilli'JiT*:r

kha
na.ng .

(b)

mat v6n
(c)
(d)
(e)

(D

(g)

Trudng hqp mot khech hano c6.nhi6u h-gn mot khodn ng

voi Ngen hang ma c6 bat kv
khodn nq. nio bj chuy6n san! nhom nq;ii
il;'ihi'i,rg;
nang phin toai cdo khoAir
nq cdn hi c0a khdch hing d6 vAo nhom nq nii ro cao tron'tuJnj
Ong-voi

;";;

14

,,i,;;b;i;'--"


Ngdn hdng TMCP ViQt Nam Thinh Vugng
BAo cAo rA cHtNH RrENc (ti6p theo)
Iluy.qylll
tai ngay 31 theng n ndm 201o va
"rro
4"

r6u rAr cAc

4.4

Dr,t

nimiaiit'rirr

BOsNCTD

k?-t'thric cirng ngay

cHirus sAcH xE roAru cHU yEu (ti6p theo)

phdng rdi ro fin dgng (ti6p theo)

ffifi ,srd#tffi }l"#H;ffi
Theo Didu 10, Khoen 3a

Ltfi

c'a Th6ng tu 09,.ceckhodn ng duqc co c6u tai thdi hAn
ut auEi pnan roii ir"o. rr'i li,i rai thdi hqn trd nqtra nE va
khi n5p
fl"lr}t'J::;!:T,J.or:ll

*

> Khoan nE vA vipc c5p ttn dung kh6ng vi phAm c6c quy dinh c0a phep luat;
t
thdi han trd nq ld phu hEp vdi mqc drch cria dr,r
an vay v6n trons hqp
}||"nil":iiJ?i
> Khdch hAng sr? dgng v6n dung muc dlch;
> Khach hang c6 phuong en tra nE m6i kha thi, phu hEp vdi tii6u kiQn kinh doanh;
han, t9 lg. bdo ctdm an toAn
n9u0n von ngen han duqc
cau lai khoan nq ngdn hqn

I

ff'.tn!

ilfti]tt

Theo Th6ng

sid hi va si6 hi khSu trir cia tirns toai rai san ddm bdo duEc quy
dinh hons

i

tu 02, mot khoan

f l?:,s_:ly.'g^t1

sr}i va
:.i:
-cho "rv.a"O
vao Il?TjiA.
nhom nE c6 khe ndng
mAt von.

lsa{

ir,oil. jffi

9

1

lha

rp_

1

? ndm

:201

s crins duEc

ve cec khoan ng duEc phen loai

Chth|g khoen klnh doanh
Chung khoen kinh doanh lA ch|tng, khodn nq,
chfng kho6n v6n va cdc chr?ng kho6n kh6c
gio't;"g"r6iis;oi
nham thu r'i nhuan do
chenh lech gie.

duqc mua va Nsan henq co v oiitr nem

;!r

duqc ghl.!!li? ban dAu theo gi6 g6c. Sau d6,
ch*ng khoen kinh
nguyen tec thap hon gioa SiA h tren s6 s6ch

vd Sia iri
ons kho6n kinh doanh nuqc ghi nnan tren-uao

thit.;;.

&i i.biil;il;i

TiAn lai

ghi

I

vi cd. trlc bing tiAn thu

gir chrl
doanh duqc
uors kinh doanh ,iens t en .o .3st*,Xl6nj{nh

dLpqc trong thdi gian n5m

nhanva;b;;#'iEidl,i'tJa,

oanh nghiep ch.u€ niem y6t tren thi trudng
ch[rng khoen hoac chua ddno
i trudng giao dich c0a qic c6ng tv'eai
rui ro theo Th6ng tu 02 va Th-6rig ti, "r,[ng
os ni""r,,i"
a"q" hi;fi

;il

15

;6ithil#;#H

#tGiil;3;


NgAn hdrng TMCP Vi6t Nam Thinh VuEng

If ulqryrlNf

eAo cAo rAt cHtNH RteNe (ti6p rheo)
tli'chrin t-6iti,u" ct ng ngay

BOSiTCTD

tai ngey 31 thdns 12 nem 2o1s va cno nem

rAr cAc

4.

r6n/l

4.6

Chrhng khoAn dAu

csir.rH sAcH KE ToAN cHu vEu (ti6p theo)

tu

sdn sdng d6 b6n

v6n duEc shi
9lflg,khpe?
lrrii,!!r;9_s13stc
tneo gla
trong
gian
96c

thdi

n5m gi0,ti6p theo

vao nsey siao dlch ve tu6n duec phdn dnh

,l

I
Dinh k|, chong khodn s5n sdng ti6 bAn s6 duEc
xem x6t v6 khe nang giem gie.

Ch*ng khoen duq_c tap dH phdng giAm gid khi

hep

tri ghi s6 cao hon

ii

s
ng du

oons

i"l.Juf{:T
ft1ii{
Thon
nM
ro theo

4,7

duqc

"'

JHi:iftTiHi''iii:

nhu du'gc trinh bay tai

Chtlng khodn diu tu giti" C!6n ngey ddo h?n
Cl|ung khoen dAu tu gi0 d6n ngdy d6o hqn

16

chT bao

g6m trdi phieu dAc biet do VAMC ph6t


NgAn hdng TMCP ViQt Nam Thinh Vugng
THUYET M|NH BAo CAO TAt cntrug nrEruo (ti6o theo)
tai ngay 31 thang 12 n6m 201S va cho nam tdithinh t<6itiruc
cUng ngay
4.

r6M TAr cAc cHiNs sAcn xE roAru cHU yEu (ti6p theo)

4.7

Ch*ng khodn ddu tu gi? d6n ngdy cldo han (ti6p theo)

s6

Theo Th6ng tu
trudc nqav tuono

;iy";,i':ti#";li

FT,

,j!11,1i,:ii

duqc tlnh theo c6n

xot=

*

lrg,nS

BO5/TCTD

thdi han 5 ngay tam viQc tidn k6

33%!l-hi'-',iiil,if,li1lf"JJil!

xm-(zn+xtul)

Trong d6:

-

x(') la s6 tiAn dH phdng cu th6 t6r thi6u phdi trtch

-

x*r

la

rap d6i vdi trdi phi6u dac bict tai nem

s6 tidn dr,r ph6ng cu th6 da trtch tap d6i v6i tr6i phi6u dic
bi€t tuy k6 e6n h6t nam

rnu m-1:

- Y lA mgnh gid tr6i phi6u dflc biet;
- n lA thdi han cia tr6i phi6u df,c bi€t (ilnh blng ndm);
- m lA s6 nim ke tU thdi di6m ph6t hAnh h6i phi6u oic bi€t d6n thdi di6m klch t{p;
- lf l? s6 tiAn tnu h6i n9 cria ktroln nq.xdu t0y k6 n6n thdi di6m trtch tap (nem thf m).
'ty
t" dqns b6n nE ph6i hEp
voi cong

18,;:t :

I#i;?r!*
Dr

phdng cu

(Z'

+

X*r) > (Y/n x m) thl s6

th6
I

h6n

doanh ri€ns

kh6ng phei trtch
Ddu

tu

vdo c6ng

oudn

ry ial

id"

ai!

ili",iilii ;ii ti#

il,,j

tiAn trtch lap d$ phdns cu thC (x(,')) duEc trnh ta

!i
"cl.i-lh

u a.i9

chuno.

nhfn vdo bao ceo k6t

;ii;'i;iiiJl

quE- ho?t

dons kinh

rr.aipr,G"E"ijibi'iiv

ty con

ghi
bu6c

Cdc khoen dAu tu vdo c6c c6ng g co,n_ tiuqc
c6o tai chtnh.rieng
9!a Ngen naiSi. c6 tt}c
con duqc ghi nhan la thu nh?p tren beo c6o k6i q

17

6c h6n b6o
cec c6ng ty


Ngdn hdng TMCP ViQt Nam Thinh Vugng
THUYET M|NH BAo cAo rAr cHtNH RTENG (ti6p
rheo)
tai ngay 31 th6ng 12 nem 2015 va cno nimiaiirr-litr'l-6itruc

4,

ToM TAr cAc cslruH sAcu xE roAru csU vEu (ti6p
theo)

4,9

Deu

tu

dei

BOSiTCTD

ct ng ngay

h?n khec

c6c khoan deu tu dai han khec th6 hicn c6c khoan
dau tu g6p v6n vao c6c cton vi khec tu
11.%.quy6n bi6u quy6t tr0 xu6ng
irr"an aa,
rh;"';5,
hqp tec kinh doanh.
ca" ri,o'an erEJjn'.ll, alol"djirhan
"a "ec
theo
tqi troi ei6m jaloill

i;

sid s6c

u,fll,'iul!',3i,ii,t

Ai
gie

bao ceo, dLP phdns
kinh te (theo mgnh

cfrU sa fiuu
"- - i"nuc
"'"'
Sia
ki;h t6.
DU phdng
khi c6c
khi tdp dri
;;i-^
dinh khong
ng nao

n hAng (theo menh

n

ehis6cia ffi;;

4,10

Cec

4.10.1

Cec khoen

?

sau

ru!

khoen phet thu
ng phdi thu drryc ph6n

IoBi

td

Ei

sen c6 n)i ro ttn

drtng

Ia tai sen c6

nli ro tin dqng duqc ghi nhpn theo oid q6c.
ng thuc hien phan toqi nE ya hfch

np i,r Jnrrn_"ql:"i-.
tap vA s& duns dr,r phdng d6 xr} ty rii'roi;u.Ec
iii"n Uau

4.10.2

Cec khoen

thu khdc

3::!?;AAit''

thu kh6c kh6ng ttuqc phan loai ld tai san c6
rui ro un duns duEc shi nhan

D6i vdi cec khoan nq phei thu o
tai rh6ns tLr s6

228l2oberrr-rtdil',Xijl?"n

Tir

T}

toen' mrc hlch lap du phdns ttuEc quv dinh

Mrn trlch drt phdng
t nam

30o/o

50%
70%

Tfr
TU ba nem tra len

100%

18


NgAn hdng TMCP Vi0t Nam Thinh Vugng
BAo cAo rA
I-fyy.Elyll,Jl
tai ngay 31 th6ng
12 nem

rAr cAc

4.

rOM

4.11

Chi phi

4.12

cHtNH RTENG (ti6p theo)

20ls va ci'o

nam

BOsiTCTD

iaiir.tiirr'tl?thr:c cung ngay

cHiNH sAcH KE ToAN csU yEu (ti6p
theo)

te tu6c

vd chi

phf ch& philn b6

i#Jj H .#

FJ,*

chi phi trd trudc dai han tren
giln tra hudc hodc thdi gian

Tei sen c6 dinh

Tai sen c6 dinh duEc th6 hien theo
nguyen

gii trtr di gid tri kheu

gia Ei sdn c6 dinh Ia toan bO
cac chi pht ma Noan hano
fguvfn
san
c0 dinh trnh d6n thoidi6m au" taiJjn

jJ'6; ffi;ih?i.il:

tai

Ccc chi pht mua sim, ndng cAp vA
d6i m6i tai san c6 dinh duoc
bao tir, srla choa a'q" r'i,Jr,l"a'i''i'""fai

tai

;3lr"iri'Jf1ijl1,f,ht
Khi tei sen c6

nh

dugc bdn hay thanh ly, nguyen gie ve gie
tri
phdt sinh do thanh'rr tiiia"
E*E"
;ililffr-liffii.'ei/r6

4.13

-dinh

ri#'l

Khdu hao ve hao m6n
rdn,cria tdi sdn c6 dinh hFu hlnh va v6 hinh
5li:ll:,:11""
du
ouong rneng trong su6t thdi gian
sD dung uoc trnrr crja

NhA c*a, v4t ki6n truc
phuong tign van

5-40nem

Mey m6c thi6t bi
PhAn m8m m6y vi nh

3-10nem
3-7nem

tdi

4.14

I

uisjn lE

ttnh theo phuong ph6p
n nnu sau:

nem

Thue hoet dgng

ik:d;ffi".d,1'#;ilffi .ff- fl 531fl .XT;

eu^ons tt a n ; ;a;
doanh rieng trong su6t thoi han thu€
tdi sdn.

4,15

Ghi nhln thu nhilp ve cht phl

Il: $tl5j

ti,"hi

Hil,:o:"on
d6n
nh6m 5
hoet dgng
khoin

phl lEi duqc shi nhan trons bdo

cdo k6t qui hr
thu. du chi t ri .r'-,16u
pnai.ini
."u p
ar D ||r tu
u-r cac Knoan cho

Jid;d;il;" \

ki
nanai

['!TJr]l;1ffi

;rvq

quee sn'|

Thong tu 09 sa khons duoc otti nl
r,r"thu cfia cdc khodn nq nay duqc

"r'aii

"il-uil-iffiEili'i?#

Cdc khodn pht dich vu va hoa hdng
duqc hach toen tren co sd du

dU chi.

nhQn theo euy6t dinh s6

ban nq c0a c6c t6 chrtc
phl. bdn nq duqc ghi

ve hoAt dong mua, b6n
t?i Quy6t dinh s9/2006/eo-NHNN va
rh6nq tu
tan nq va gia iiiihi ib'ii,tai

Ilg", lyqts.gal
chenh
tech sioa sid mua',
sau:

0

ilHr";."

19

dqng. Kd tr) ngAy

1

theo Th6ng tu s6
cOa cac t6 dhrtc tfn
15/TT-NHNN, phAn
nq Ouqc X* ly nhu

NgAn hdng TMCP Vigt Nam Thinh Vuqng
THUYET MINH BAo cAo TAI CHINH RIENG (ti6o theo)
tai ngAy 31 theng 12 nem 201S va cho nam taithinh k6ittrUc cUng
ngay

4.

ToM TAT cAc cnlun

4.15

Ghl

nhln thu nhAp

>

O6i vOi cdc kho6n nE itang cluEc h?ch to6n nQi bAng:

.

.

sAct

KE ToAN

cs0 yEu

(ri6p theo)

ye chi pht (ti6p theo)

hqp gie ben ng cao hon giA tri ghi s6 khodn nq thl phAn ch
6uEc hAch todn vao thu nhQp trong nlm tAi chtnh c0a Ngan hang;

Jru{S
hon

lech cao

Trudng hqp gi6.mua. b6n nE thAp hon gia tri khoen nE
bir qap
d5p ru
tir len
tiBn Dot
y_*y" uu
b6i rnuong
thudns ola
ci; ca
ce;han.
nhan. tap
iail
lq! q,"q"
:1",'l
that de duqc x6c dilh do ce nhan. tap the gay ra vd phii
tidn bdo hiBm crla t6 chrlc bdo ti6m va quy tir pr,Jri-g rUi
cnr pnt. pnan con thieu duEc hach todn vAo chi phl

l0ch thdp

hqp t6n
uy dinh).
lAp trong

hang

trong nam.

>

DOi

vdi cdc khoin ng dang theo d6i ngoAi bdng. khoan nE d xuAt to6n
ra
rhoin nEbuq" ia"hiojn;a"
nhap kh6o

can d6i k6 ro6n. thl s6 tidn-oan
heng.

b6ng
Ngen

6c. du nE lei
khodn
d6n thdi di6m
bdn
holic gie

theo d6i
r

mua, b6n
Gie mua. bdn n9 lA s6 tidn ben mua nE phdi thanh toen cho
mua. ban no.

4.16

Cdc nghiQp

vy bing

h.6i.

kinh doanh ri6ng tqi thdi di6m cu6i ndm tai chlnh

CAc khodn phdl trd ve chi

Ti6n

g&i cda

c6c

CuEc ghi nhan cho so
an duqc kh6ng phU
y chua,

td chttu tfn dpng khdc. cha khech

heng ve

crla c6cr6.choc iln dung khec. crra kh6ch hdns
9i"-ll"jlllCl-gpi
duqc cong b6 vA trtnh bAy theo s6
g6c
gra

k6t chuy6n vdo b6o cdo

pht trich tt fic

6i
h
a
4.18

b6n nq theo hEp ti6ng

ngoVi tQ

l]!l lggji olavao nsey phet.sinh siao aicn. che-nn'ieirr E;aj"
ty-.sE
doer ien ai khoa; ;i,n ;ii ;d;a,/ V;'dl]q
:gl2r!
F"h.
Ket qua hoat dong
4.17

00t vol

du

20

tal thdi di6m k6t thU;

phai trrl hong tuong lai
vao vieo Ngan hang de

hanh gi6y td c6 gie
phet hanh si6 ytdc6
n tai chinh.


NgAn hdng TMCP ViQt Nam Thinh Vugng
THUYET MIINH EBAo
tqi ngiy 3 11thangq tz

BOsffCTD
cUng ngey

4.

T6M TAr cAc cnlruH sAcx xE

4.19

Thu6thu nhQp doanh nghiep

roAt

cHU yeu (ti6p tneo)

Thud thu nhAp hie.n hdnt,

duqc btr
gan heng
thu nhap
I

i

ign hanh vi thud thu nhapthien hanh
hir giFa ta sdn thu6 thu nhap hien
ng dq dinh
toan tnu$ tnLi nnip
en co s0 ti

tra va tai

thu6. Do vi€b 6o duno
c6 thd duqc gidi ttrici
chtnh ri6ng c6 th6 s6 bi
I

Thud thu nhAp hoen lai

Jlu6.llg llaP hoen lai duqc xec dinh cho c6c khodn chrnh

3l'^91.F
l".il lie-ns sir?a co s6 unn thr6 th, ilA;;,il'#
shi sd crta chrlns o"s; trtn[ bjy ti;;'d#d; # ffr;i

t6ch

ili:

Thu6 thu nhap hoen bi phdi trd duqc ghi
nhan cho tAt ce nh&no

lCch tAm thdi chiu thu6.

Tdi sdn thu6 thu nhap ho6n lgi cluqc
ahi nh6n cho tAt ca nh0,no

sli tl Eqc
r.?u ddi rhu6

crruy6;"?rsE;;;;; ;li; H"
ihj lh#"d;;
tuong lai sE

rrrdu trrr
chua srl du"s,

fk!-oen
li1^,lY:.

I

sr!.oqng niy..iaisdn thu6 thu-nhap noan'rai
va'ltrr]6
ds
trnh
se
ap
a'qng
cho
ilirn
tjil-nr',iiiririjTii
llll.tl":.11"{:rAt
to6n' dpahen

lgf[#Hil.t
4.20

Phen !o?i

n?cho cflc cam

il;;a';
"ic '*-"inucs,et; ftiiile;;

l$ch tqm thdi duoc
16 ffnh thu6 va cic
tfnh thu6 da

I lai pha tre dugc xdc
duqc thr h6i hay cdng

I lgc veo ngay ket thUc

k6t ngofi bdng
r|}c tln dung thUc hi€n
k€t cho vay khdng h0y
le ic khodn cam t<6t nooii
ly, giam set chat tu;no
loai :heo cdc m*c d0 rrli r5
nghi ng! vA Nq c6 khe

4,21

Bn

n

Tdi sdn vA nq phai tra tai chrnh uy,qc

gqo {gy1An
||e1s.:li9l|'_qT
th€nh.toan
Eisen va nq prrei'tA
dong thdi,

gir yi tnA hien gi6 rri r6ns

phdp d6 thgc
hep"AT

hien"tec;;

treiidt i'niil #!.:,;iil tli[H,.i

21


Ngdn hdng TMCP ViQt Nam Thinh VuEng
THUYET MINH BAo cAo TAI 0HINH RIENG (ti6o theo)
tai ngay 31 th6ng 12 nem 2O1S va cho nam tdi'chtnh k6ithric cUng
ngay

4.

r6M rAr cAc ctlrun sAcs rE roAru cHU yEu

4.22

Cdc c6ng c1t phdi sinh
NgAn

hing^k
chuyEn
muc

(ti6p theo)

h6i kV

hdng
phuc vU

iro

tr6i

n hAng

lch ctte nhen vi6n

4.23

LEi

4.23.1

Trq cdp nghl huu

nghi huu s6
binh Xe hoi
g co bdn hd

4.23.2 Try c5p th6i viec
1 th4ng 5 nam 2013,

o m6i ndm
thEng duqc,tfnh dd thanh.to6n trq c6p thoi-vi6c G
.,1]i'r""sau rnang gan nhat ttnh den thdi di6m ngudi tao dQng
"a"n
th6i viQc.

, muc t!

blnh quAn

'c luong blnh quAn

cia

4.23.3 Tp cep th't nghiep
Theo

hi6m

nghi€
"e',,e

ls,Td
thet n

jtlt-onq'aln Nghi dinh s6 27l2008/ND-Cp vA beo
ticn c6ng d6ng bdo h
, ,',a'''n;!iStlili!31',J
tircn r"z ri6nl"""nJ, tign
aong ct

22

nl

ruc

vaoUy

i


Ng6n hdng TMCP ViQt Nam Thinh VuEng
uyFr-\,tlNH

BAo cAo rAt CHINH RteNG (ti6p rheo)
Jf
tai ngay 31 thens 12 nem 201s va cno nam
tai'dr,rit l?itnU" cr,ng ngay

4.

rOM TAT cAc

4,U

Cec qug

cniw

sAcH xE

BOs/TCTD

roAf cuu yEu (ti6p rheo)

cttrtr&bjltbulc

rygP^l .h-a.lq Jf uc hign trtch tap cdc quy dH ho sau d6y rheo Luat
47t2010teH12va Nghi dinh d6 szlzor'zrub_Cp ua
tnEi iliE, re

fln dung s6
4nu sau:

Ii

QUI dU hft b6 sung v6n dt6u
Quy du phdng tei chtnh

tQ

5% lEi nhu€n sau thu5
10% lql nhuan sau thu6

cec quy khdc duEc htch tap theo nghi quy6t
crla oai

Ngtn hAng sE thr,fc hien trich lar
quy
doanh rieng vdo ou6i ndm o, .,;il,Lt"

dLP

HOt

d6ns c6

tro neu h6n dr,ra

Ing.

k6t qgp hoaf itons kinh


Ngdn hdng TMCP ViQt Nam Thinh Vueng
THUYET M|NH BAo cAo TAt CHINH RTENG (tidp rheo)
tai ngdy 31 th6ng 12 nem 201b va cho nEm tdibhinh k6ith(c ctrng ngay

5,

805/TCTD

TIEN MAT,VANG BAC, DA QUY
Ngey 31 th6ng 12
ndm 2014
liiQu ddng

1

5

_

Tidn m{t bAng VND
Ti6n m{t blng ngogi tg

709.148
555.826

VAng tiAn tQ

92.745
'1,357.719

TEN cr)t TAt NGAN HANG NHA NuOc

vEr

NAM
Ngey 31

12

Ngey 31 theng 12
ndm 2014
Tii€u ddng

Tidn grli thanh toen t?i NHNN

it.701.129

Ti6n grli tqi NHNN Viet Nam bao g6m tiAn srli thanh to6n va du
thdi diem 31.theng 12 ndm 2010, c6c khoan tiAn gfti dU tre bti
thanh todn blng nsoqi rQ auqc rr'uOns iai irdi
,i.J

ngay 31 th6ng 12 nem 2014: 1 ,2To/otnlm vd 0,os%/nEm).-

irinl

ial

bet buoc tai NTHNN. Tai
: blng VND va tiAn grii
ve 0,050r;/nem (tai

tro nhat dinh i?i NHNN
1 bat buoc te 3,00% va
6ch hang binly VND

tlng la

vd ngoai tg c6

7.

vi

1,00o/d va 6,00%

k!

hqn tfr

rrEN GrItT4r cAc T0 cHrlc TiN DUNG KHAC

Ngdy 3rl thdng 12

1

nem

5

_
Tidn grll kh6ng'ky h?n

-

k|

714

917,653
83.963
833.690

8,466,
5.395.

1VY,ZZV

3.071.

435.543

101.

Beng ngo?i tg

Tidn qrli c6

-

8t

BEng VND

hqn

Bing VND
Bing ngoqitQ

Dq phdng nii ro

644.763

_--_

24

hen 2014
Ti€u ddng

1,562.418
(5.720)

1,556.696