Báo cáo tài chính công ty mẹ quý 1 năm 2016 - Ngân hàng Thương mại Cổ phần Việt Nam Thịnh Vượng

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Cdc ce s& d6nh gid va cec uc/c ttnh

an

k6 to6n dp dgng

4.

T6M TAT cAc cHiNH sAcH KE ToAN cHO
YEU

4.1

Cec thay d6l trong chinh sech

k6 toen ve thuyfit minh

I
I

':&yu'H;:"iy?^i"T';i'#ix,:glx:::!s!,s^,8-il!, ?up cna NHNN s,)n d6i, b6 suns
fi#Z{:fl'::^':3i9,'!^:i",!,::i-:;ni!i!;;, w,ii,",e" ^x:';':,nX:;,i',;#!,
q19!!s_t!_9!e,Jy,Z:y"l:"'i":1ory4;:sV;;;i;E;''ryiilli;?iili
Theo quy
qu y d
tlinhrciac ia Th6ng
'ram, trong
4, heng rnam,
tg thdi
loiih4n
han
rn 5
5 ngdy
lgdyy lam viec
vi€c lidnr kd trr
trufc
ngay tuong
tucrng fng
ng voi
voi ngey do hqn c0a tei
tr6i phi6u

rdAct
r
c
biet
do Cong
d
g ty C
I
)ong
udn
Quan
lli
tAi
ii
sdn
n
crla
cdc t6 ch
cirr?c
r?c tln
n oung
c Ung Vi6t
rm ('vAMC')
("V/
ph6t
6t hanh,
hanl
nh, td chfc
)I phd
chrlc

ipc tl
tln
dung
dun
ng
ben
be
phdi
t
ng
no
ii
trich
;h
'
lap
dAy di
drirl s6
s6 tiAn
ti rdqpf
d r phdng ( thai t6i thi6ur ciae nam
ndmn tlhlch
ch tap
lfp
) (d6
d6i vdi ttuno
tr.rng
phi6u
tr6i
hdi

uddcl
o
biet
I
theo tl
thdi hqn c0
c0ar trd
trdi phi6 C6ng
,ng thoc tfnh toan d!
phdng
cdq pl'
hdngg ct
cr,r thd ccuni
cung duE
duEc
qu]ry dinh
lc quy
rh tai
Khoan
Khodn 2 Di6u 46 c|ja Th6n tu. The
Th6ng tu c6 hi6u
hieu lfc
lu
lwc k6 ttr
tir n(
noA
ngay 15 tlthdno
theng 10 ndm
nem 22l
n

2015.
1

1

eng 6
theng
nhAp

Thdng tu s6 200/2014/TT-BTC ngey 22

theng
- rl"y thd Ch6 dO k6 toen'doanh nqhi\n
U)
erc ap auig cioia"iii'iailinil;!i;;';';;;

chtnh ("Th6ng tLr

;6n1:l:l:6/aD

>

Trlnh bay beo cao k6t qua hoat d$ng kinh
doanh:
Thu nhap khec va chi phl khdc:
l{,
Tli.tl311
l]tunns b6n.tai san c5 oinrr, udt crpns sdn dAu
thu tt hoqi dsns
nlv uoi giiiii

rai va chi pht thanh ry
3:l,15$,or"Juliu'

tt-"Jilji

"on

lt

e/


Thuong msi C6 phin ViQr Nam Th
1\.sa1hi1S
t huyet minh b{o c6o tii chinh ri6ng 16
Quf I nnm 2016 (ri6p theo)

4.
4.2

4.3

T6M TAT cAc cHiNH sAcH KE ToAN cHU yEu
(ti6p theo)
Ti6n vd c6c khodn tuong cluvng ti6n

Cho vay khdch heng

:iffi;il;!",":XI
4.4

Dtpphdng

khech hens duEc cons b6 vd trlnh batl theo
s6 du no s6c tai thoi di6m

rti rottn dgng

viec phan roai nE cho cdc khodn tidn grli vd cho
vay c6c t6 choc tin dr,rng khec, mua ve rry
thac mua tr6i phi6u doanh nghipp,chri;.ifi
Gi;#;av khech hdng.vd riv thdc cdp trn
dung (g'i chung rd "cec knoan nq"; auqc
flrrrc irid'n tnio quy o;nn tai Dieu 10 crra Th6ng
tu
DH ph6ng cu th6 tai nqey 31 thang 3 duqc
xdc dinh bdng ou no sau khi tru di gi6 tri tdi
sdn
fa.m oio de duqc khAu'trrtr nhen-vdi tt'6
nh6m nq tai nsav 2e
thang z. rv ie Ju pr'ln?"u tr'e ooi
t,i,il ;;6il'il'd,"r?

;;;il;ffi:

;i

ililr:T

F'(a) Nq que han trtr 10 ngdy d6n 90 ngay; hoec

(b) Nq di6u chinh klr hqn trd nq tAn dAu.
No dudi
ti6u
chuE n

(a) NE qud han tu 91 ngdy d6n 180 ngAy;
ho{c
(b) No gia han ns IAn dAu; hof,c

' f:;il1*",!'.pilfi #J,g:xfi ill?il"l". .
' fHSt Itiitiig:,g3i*l?l:i",'[l?:?J , ,
ffi

'

SliX'i,t"'-L?:2T,3?,flii,jil,'T

khoan 1, 2, s

(e) NE trong thdi han thu hdi theo k6t tuan
thanh tra.

1.)


m4i C5 phln Vifr Nam Thinh Vugmg
(Bin hdn

tAi chinh ri6ng

theo)

4.

rOM

4.4

Dt! phdng

rAr cAc

fit

16

NIILbf ngay 3

cHiNH sAcH KE roAN cHU yEu (ti6p
theo)

ro tfn dgng (ti6p theo)

Nq
nghi ngd

(a) NE que h?n ttr 181 ngdy n6n 360
ngAy; hodc
(b) N^q co cdu tai thdi h?n trd nq lAn
dAu qud hqn dudi

eojsay theo thdi han tr6 nc euqc;lar'6iia]iiar;

(e) Nq.phai thu hdi theo kdt tuan thanh
tra nhung qu6
k6t ruan thanh tra e6n
md v5n chua thuITT
h6i duq;.

Igl,lil1:1.?

Nq c6
khe
neno
mat v6n

NE qud han tren 360
NE co cdu hi thoi

o-oi[ly
'"

ha
ngey.trd tcn theo thd
d6u;

dAu orr

;6;';

hodc

(")Il3"","#ilJi','l,llil5::3:T,'[1,H'il?1,:1,nu'
I

t)

|fl*:'iilJiiil$J!;H

e)r

firho

ba trd rdn' kd cd

dla=rlq Nh6m
n 60 ngay kd

3ctilt'{_

tir ngdy

iiigii{i?$iiiiE?::t3ii.fl l&i,??"T:ffi
;"j;#'tffi ,"l;ilfff ,L*,ili;1ffi

jx

t,'i'fi
nq cdn lqi cria khdch hAng d6-Go nh6m
:
nc ili

r:rng vdi mri,c dO rii ro.
Khi NgAn hang tham oia cho vay hgp v6n
kh6ng phai vdi vai tro td ngan heng
CAu m6i,
NgAn hdng thqc hien phan toai
fi*,lp'ai";'kh;"n
vay
nep
51"a1."g
von)
crta
kh6ch
-cdc
nh6m roiro cao hon sioa ttdni
di6
aa" m6i ve denh sie cia
l,??sn

;r:"';ffi tlig

iil1"

f,ff[ ffii]"'

gi6 tri va gie tr! khdu hu

cia ttlns loai tai san ddm bdo duEc
tfting

3

crl

2016
khodn

n

quy dinh trons

rap voi moc

i,noan tign
nE c6

"nh6m


n4i C6 phdn

V_igr

tii chinlI rreng le
theo)

4.

rOM

4.5

Ch(tng khodn kinh doanh

rAr cAc cHiNH sAcH

KE

Nam Thlnh Vuo-ng

,r#r":r:;i

roAN cHrj yEu

(ri6p theo)

Ch*ng kho6n kinh doanh tA.cl.rqS. kho6n
nq, chung kho6n-v6n vd cdc ch*ng
khodn khdc
hang c6 I dfih
;;' ;;ft'""#l
nam nhim thu rei nhuen do
.r"rH [ffi JA.tn'n

ffi'

'n.

duqc.ghi.nhan ban dAu theo giA g.6c.
Sau d6, ch0ng kho6n kinn
hon sirra sidi4.tren s6 s6ch va
,?9l)/,e.l_,i-"

il{p
si6 iri.tni truons.
ung Knoan kinh doanh duEc
Ahi nhAn trCn Oa" &" iiili'qr'i
t

Ilfll1-"i:6,19" bdng tian thu duqc hons.rhdi gian n6m
snr nhan vao bdo cao k6t qud hoqt argng ki;n 6a;;[

"a,

siii chung khoen kinh doanh duoc

ii;is'd'ti#

Jo so tnuc tnu.

iep chua. niem y6t tren tnl kudn"g
ch0ng khoen hoac chua deng

lJ?","'fi:JffT,3??l,TflR f;

4.6

Ch&ng khoen cti,u

tu siin

,"lll$:*:

lnn

i,t

ll

sdng d6 bdn

-

.;
Chr?ng.khodnv6n euqc ghi nfrj- .,
vAo ngav giao dich vd lu6n duqc phan
rneo gra goc trong thdi gian r5,
enh
!'ff3Jifl"n":c

Dinh ky, ch0ng kho6n san seng d6 ben
s6 duEc xem x6t v6 kha nang gidm gid.

14

e/


m4i C6 phin Vigt Nam Thlnh Vuqng
chinh ri6ng le
(Bin hanh theo

tii

theo)

NHAtNngdy 3il12D,
n

4.

T6M TAT cAc cHiNH sAcH KE ToAN
cHU yEu (ti6p theo)

4.6

chong khoen ddu fu sdn siing d6 6.r, (ti6p
theo)
vdi tr6i phi6u doanh nghiep chua

P6i
kf giao dich tren thi trudnd giLL

khoan hodc chua dSnq
q,ctru-a niem.vet ttti ti6i

oicn

ffir;"iilj;';ui';,n"o
s6 4.4.

1i'h.tri"[
rnuyetmnh

4.7

nhu duqc tr)nh bdy tqi

Ch(mg khodn dAu tu giF CI6n ngdy CIeo hen
Trei phi6u

dlc

biet do VAMC

phet henh

Theo Th

truoc
aav

ns

ai

i

T..g-

eu'ec:inn-tneoconsihoc

ie:l'

llo,ng -1hdi

han.s ngav IAm vi6c lian kd

,:3i?11,#,',ff"1**pl?l,il.llii
ttrns raiphi6u da; bHt
"lillT tl:! 9l-161yo'
sau:- &T,l!*i['f

Xn=

-i

xn_(Zn+Xtul)

Trong d6:

-

ilflH,tU

tidn du phdng cq thA t6i thi6u

X*rjA s6 tidn drj phdng

phii trrch

tap d6i voi hei phi6u dac biet t?i nem

cU th6 de htch tap d6i vdi hdi phi6u

ddc bi€t toy k6 O6n h6t ndm

Y le menh gie tr6i phi6u ndc biet;
n ta thdi han

cia tr6i phi6u d6c

biQt

(

nh bdng ndm);
m tA s6 ndm kd tr:/ thdi di6m phet hanh kai phi6u
dic bi€t d6n thdi didm trtch tAp;
ZnE s6 ti6n thu hdi no crla khodn nq xiu loy k6 d6n
thdi di6m trtch tep (nem thf m).
duns ben nE ph6i hqp
co.g iy'o*;'ri'iii'ran d€ x6c ctinh s6 tidn tnl
I3,;:g:
",ii

I#iJ?r!*

*

(Z'

+

X''r) > (Y/n x m) thi s6 tian hich

lap dq phdns cu th6 (x(m)) duoc trnh ta

Dr'r phdng cr,r th6 cho trdi phi6u d6c
bi€t duEc ghi nhan veo b50 c60 k6t qud
hoat donq kinh
doanh riens 16 tr6n khodri nu"
kh6ng phai hich tap du phdng chung.

"bniinriiiiiig'ili.";r";;r;,. ilri,iit"?Jiitft]ilv
i)

Q1/


NgAn,hing Thuong m4i C6 phAn ViQt Nam
Th

'I huyet minh
brio crio

tii

chinh ri6ng

Quf I nim 2016 (ti6p theo)

4.
4.7

16

ToM TAT cAc GHINH sAcH KE roAN
cHU yEu (ti6p theo)
Chttng kho6n

CId,u

Cht:png khoen ctAu

9l9s_!1.fl

tu giT d6n ngriy ddo hpn (ti6p theo)

tu gi? c!6n ngey deo han khec

sio

tr-6n ngdy

ddo han rtuqc shi nhan \,
tuong to nhu chong
Ei rhuyilt ninfJ"rlHorn

kho6n nq s5n sEng d6 ban ouoc trtnh bey

4.8

DAu

tu

dAi

hgn kh6c

Cac khoan dAu tu ddi hal kh?c th6 hien
cec_khoan dAu tu g6p v6n vdo c6c don
vi khac tu
tid xu6ns ua
ii,ojn oEu
hsp
tdc
kinh
doanh.
cac dro'an aauiu'nli alq" gni nhen "j"
theo sid s6c r?i thd;?"#!fl"ilr:
11.% quy6n bi6u quy6t

ff
3;3

ilii

lllllliif"6J';l,'fiil:ft.,Jii",:ffiUi?j:',,il?iliil"i,,i$,l3tfl
sd hou'thrrc c6 nhan (xfvdit!.tt,a:r,crr-liu" rGa#r;
iiffi ililii
6i c0a kho6n dAu tu tdng h0 t?i sau
n nhap trong pham vi sao cho
oiA tri

so cua cec khodn dAu tu nay khi gia

4.9

Cec khoen phei thu

4.9.1

Cec khoen nq pheithu dupc phdn loAi td

ft3"Jl::iifffi

theo quy dinh
iai

"
i;;i6i';;ir;

4.9.2

tei

sen c6 rhi ro un drJng

td tdisdn c6

flli ro fln dqng duEc shinhan theo

sie s6c.
th{c hign phan loai nE-va trlci pn i,r

r.,ii ..o
nnJ,[
lf p va s& duns dH phdns ad xrl ty rrli'ro
ou'q.liin6 la,,

ng

C6c khodn phdithu kh6c

fi::[i;i!i^t'

thu khdc kh6ns tluec phan lo?i la tai san c6

rii

ro trn duns duqc shi nhan

l6

Qv


N.g6n,hing Thuong m4i Cii phAn ViQt Nam
Th

'I huy€t minh
b6o crio tAi chinh ri6ng
I
nIm
2016

(ti6p theo)
Quf

16

4.
4.9

rOM TAr cAc cHiNH sAcH KE ToAN cHU yEU
(ti6p theo)

4.9.2

Cdc khodn phdithu kh6c (ti6p theo)

Cec khoen phei thu (ti6p theo)

D6i voi cec khodn no phaithu qle han thanh
toen,
tai Th6ng r.r s622gt2odgnr_arb nni; s;u:

mfc trtch

tap dU phdng ctuEc quy dinh

M(rc trtch dlr phdng

Tu trCn sdu thdng d6n dudi mot nam
I u mQt nam d6n duoi hai nem
Tr:"P hai ndm d6n dudi ba ndm

Ttr ba nem trd len

4.10

30o/o

50%
70%
1O0o/o

Chi pht trd

tru6c ve cH phi chd ph6n b6

chi phr tre trudc bao o6m

ca-c chi phl ha trudc ngSn han hoac
phr tra rudc dai han tren
bdns can d6i k6 toen-riens B vt d;;;;ii;6d'i1lng'irio.ng chi
thdi sian ha trudc
!evv hodc
!'
gian cec lqi ich kinh t6 tuong ong duEc'tao
"vev thdi
ra tr:r cal"cni prrriau.

"- i-

4.11

Tei sdn c6 dinh
Tai san c5 dinh duEc th6 hign theo nguyen gie
tri/ di gie hi khau hao hay hao mdn

r'y

k6.

Nguyen gid tAi sdn c6 dinhla toan bO cec chi pht
ma Ngan hang phai b6 ra d6 c6 duEc tdi
sdn c6 dlnh flnh d6n thdi di6m dua tai .a" Jj,ij"
iriig'fnar san sAng srl duns.

c6c chi phimua s5m, nang c.p va.d,6i m6i tAi sdn
c6 dinh.dugc ghi_teng nguyen gid cria tai
tir' soa chita duqc rraCtrioa'i vao k6t qud nolt oo;g
rinh doann
;EL'|ai'il'Tri|J'll.beo
Khi tai san c6

-dinh

;ililffr-liffi
4.12

dyqcten_F{-tl3lh,ti,.
gi6 ve si6 tri hao mdn toy k6 duEc
x6a
io thanh'rf lgyycn
t;i6an t"e't nicn ti:ln-va" l6iirririJui"u6"s

l5ilr6 phdt sinh

Khdu haovd hao m6n
KhAu hao vd hao mdn cia.tai san c6 Olntr
hou hinh va v6 hlnh

dudng th5ng trong su6t thdi gia.

;;;;h

.,] durs

Nhd cl}a, vat ki6n truc

5-40

Phuong tipn v{n t6i
M6y m6c thi6t bi
PhAn mdm m6y vi ttnh

4.13

",i"

duff tinh theo phuong
tii .an c6 dinh nhu sau:

phap

nem
nem

I
3-10nim
3-7nem

Thue hoet irAng

thi;;
I

Cdc kho6n ti

d;ils

doanh ri6ng

4.14

i!3,f?lt:,rfl.X"ffi'JT8?;H",'SHfi,Tii[
san.

ehi nh|nthu nhQpvdchi phi

17


Ngdn,hdrng Thuonc rn?i.gq phin
Vifr Nam Thinh Vuqng

Thuy6t minh brio cnio tii chinh ri6ng
16
@an hdn
Quy I nnm 2016 (tiiip rheo)
NHNN ngdy 3

4.

roM rAr cAc cHiNH sAcH

4.14

KE ToAN cHU

yEu (ti6p theo)

Ghi nhan thu nhAp va chi phi (ti6p
theo)
Cdc khodn pht dich vu vd hoa hdng
duqc hach toAn tr6n co sd drl thu, du
chi.

?.ffi ;T!

>

til"x li""l,x,il.: ?:l l'ffi )i

)#

iilfi,!

D6i vdi c6c khodn no dang duoc
hach toan noi beng:

.

Trudng hEp gie b6n nq cao hon gid
tri ghis6 kho6n nE thl phAn ch6nh, t6ch
hon duoc h?ch to6n vdo thu nhdp
cao
iront't"y te toan
r.r!j;,#jil, ",,",,

",i"

>

D6i vdi c5c khodn.nq dang theo d6i
ngoai bangr khgar nq. dd xuSt to6n
ra kh6i bang
nu todn' thl s6 tian-uin-t1"in n?EJ"'l
na"n tosn vao thu nhfp kna"
;3ifu'
r.rsan

",:"

R'f"i:X jan

4.15

4.16

Cdc nghiQp

nv ta s6 tian b6n mua nE phii thanh todn
cho bcn b6n nE theo hEp d6ng

vg bdng ngofi

tQ

Cdc khodn phdi trd vd chi phi trfch

tru*c

c6c khoan phai ke va chi.phr trrch trudc duoc ghi
nhin cho s6 ti6n phai tra trong tuqng rai
p,,u thud" ;iJuib. i',rdi'.'ti'';
ifil,f1fll3ili?l',':n
aa

*l*l,hii

4.17

Ti6n g&i

cta

cdc t6

'-''i'i'";i'ii 'liiu's

chtu *n dgng khec, cria khech

heng ve phet henh giey tu c6 gie
Cdc khoan tidn orli crlarcdc.t6 chuc ttn
dr;ng khdc, crla kh6ch heng va ph6t hanh qidv
gie duoc cong b6 vd trinh bdy
td c6
theo s6 du gdc iaiir., jio,e, ket thrjc
ky k6 todn.
18


m4i Ci5 phAn ViQt Nam Th
tdi chfnh ri6ng 16
theo)

4,

r6M TAT cAc cHiNH sAcH

4.18

Thud thu nhAp doanh nghiQp

KE ToAN

cH0 yEu (ti6p theo)

Thue thu nhap hien henh
TAi

hi6n hdnh ve cdc ndm trufc duqc xdc dinh
bang
nOp cho) co.quan thu6, ap dqng inuc
tnu" sraiui

gid

cac

c nam tai chtnh.

duEc,ghi nhan.veo kdt qu€ hoat dong kinh
doanh ri€ng L6 ngqqi
hap phAt sinh li6n.quan A6n mdt tiroan mqc
duqc ghi theng
..rii,iti""
vao
dns hsp ndy, thu6 thu nh6p hi€n hdnh ctng duqc
6ni
thu.nhap hien hAnh
thuC thu nhap hiCn
toen thu6 thu nhsp
quan thu6. Do viec ep duno

3i:i;.#i.l[T:i'il!'S!
Thu6 thu nhAp hoen

hi

Thu6

jffi

tfii

4.19

ai duoc

Phen lo?i nq cho cdc cam k6t

:i:"llliH,l3,lil;fl3r,80,!?s

ngoli bdng

Bd trd
Tei san

vd- nq phai tra tei chinh duo. c
ri€ng 16 chi khi Ngan hang .O quvdi
th€nh to6n tAi sdn vd nq ilai tr"'tt
dong

thdi.

i
uo

6n
nh
ra

19


m4i C6 phin ViQt Nam Thlnh
Vugng
tdi chinh ri6ng 16
(Ban hdnh theo
rheo)
NHNNngay 3Ul2/2
h

4.
4.21

T6M TAT cAc cHiNH sAcH KE
ToAN cHU yEu (ti6p theo)
Cec c6ng cg phei sinh
Ngan hang-kli k6t
lsoar' h6i ky han vd hodn.d6i nhdm tao diAu ki€n cho khdch
nans chuyen, di6u "a",l"qpi9ns
chinh_hofc s.a;r
r'rli ro r,6i

pnuc vq mqc dlch kinh doanh
'.-" "a"l.,:i r." iiii.tr.jig"fiE;,ijr! *o,
c-ria NgAn hen;.---

eiii-i#.

4.22

L?i lch cda nhen vi6n

4.22.1

TrE cdp nghl

huu
nghi huu s6 duqc nhAn ko c6p.uA-huu
tir Bdo hidm XA hoi thuoc
Nsan hdng s6 phEi d6ns oa" nie,
_biil
Ig
loj
#'r,Oi'Ji" ,ai
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