2.1 BAO CAO BAN KIEM SOAT NAM 2015

CONG HoA

Tu Do - Hanh Ph[c
-------o0o-------

HDBanK
lqi

-

l(h (oo nh6t

Com k6t

slx

xA HOI cHU NGHIA VIET NAM

DQc L6p

xIEN,t

soAf

Tp.HiChi Minh, ngay 06 rhdng 05 ndn 20t6.

DAI HoI cO DoNc rHr.loNG

xrtx

xArvr zors

nAo cAo c0,l BAN KrtM soAr
Klnh gi'i: Quy vi C6 d6ng.

-

Cdn

ct Diiu

45

Luit

Tij

chtc Tin dyng nin 2010 vi nhi€n vy, quyin h1n cia Ban kiiin

sotil.

-

Cdn

c* Diiu l4 ii chttc vd host

dQng

cin Ngin hitng TMCP Phttt Triin

Thdnh phij

Hi

Chi

Minh (HDBank).

-

ct

tinh hinh hoqt ilQng cia HDBank Bdo cdo cia HOi il6ng qu,in tri, Ban diiu hdnh
vd kit qwi hoqt il\ng cia Ban ki6m sodr trong ndm 2015.
Cdn

Ban ki6m sorit b6o crio Dgi hQi ddng c6 ddng HDBank

kiit que

ft6n m

beo c{6o tai chinh hqp nhdt

vi

ho4t
cia HDBank nIm 20l5 nhu

sau:

co cAu rO cHUc v,i. HoAr DoNG cHiNH ctrA BAN KrtM soAr

NAM

2015:

1.

Co c6u t6 chrirc

vl

nhiQm vq chinh:

NIm 2015, Ban ki6m so6t HDBank gdm 03 thinh vi€n chuy€n [rich. BO phAn t6c nghiep
truc thuoc Ban ki6m sorit ld Ki6m torin noi b0 (KTNB) voi doi ngi ki6m totu vien ngdy
cAng kiQn todn vd s6 luqng vd ch6t lugng. C6c ki6m roiin vi€n noi b0 c6 nhidu n6m kinh
nghiQm trong linh rgc tai chinh ngdn hnng vd thudng xuy6n ndng cao hi$u qui cong t6c.
Th6ng qua KTNB, Ban ki6m so6t thgc hiQn nhiQm vU gitun set tinh tuan tho cria c6ng t6c
quan trl vd Nam, c0a Didu lg td chtc hoet dQng HDBank, nhim ddm brio cho Ng6n hang dflt duqc
mUc tieu dA ra, phet rii3n 6n rtinh, an toan vd hieu que.

2.

C6ng t{c gi6m s6t hott along ngan hing cia Ban ki6m soit trong nim 2015

Vdi msc ti€u gi6m set hoat ttQng cria hQ thting, Ban kiiim so6t da phe duyet ki! hoach
kirim to6n nQi bQ nam 2015 bitn s6t vdi ki! hoach kinh doanh cria hQ thiing. tip trung
ngudn lgc vdo viQc ki6m so6t. c{inh beo c6c rui ro trgng y6u.

(


CIn cu kii hoach ki6m to6n di ra, Ban ki6m sorit li6n tgc chi dao vd thudng xuydn gi6m
sat cdng tdc tridn khai nhidm vu gidm siit, ki,-lm tla, ki6m to6n ho4t dQng Ng6n hang cria
KTNB, cu thd:
Trong ntrm 2015, Ban kiiim so6t dA t6 chric 4 phien hAp dinh ki hang qu!, tl6ng thoi
hdng thring ho.p giao ban voi ki6m b6n nQi bQ nhim t6ng hqp vd ttiurh gi6 cric ghi nhAn,
ph6t hiQn cia KTNB, tU d6 c6 su didu chinh ho{c b6 sung mgc ti€u vd kii hoqch hdnh
ilQng ti6p theo nilu xdt thAy cen thiiit, kip thoi h6 trq cho KTNB nhim dam bao kha nang
hoan thanh k6 hoach kidm torin
-

Th6ng qua KTNB, Ban kiiim so6t

tfi t6 chrtc c6ng t6c gi6m s6l dinh k,

hdng th6ng/quf

tr6n c6c linh vgc ddu tu, kinh doanh v5n, tln dung, ddu tu x6y dgng co bin vd mua sim

tai san, cOng nghe th6ng tin, h4ch torin kii to6n, tuan thi c{4c ti le dem bao an toan hoat
dQng; girim s6t thudng xuy€n viQc thyc hiQn c6c Nghl quyilt, quy6t ai*r cia Dai hQi
d6ng c6 d6ng va u$i d6ng quan tri; gi6m s6t yiec thuc hiQn khuyiin ngh! cia Ban kiilm
so6t vd c6c khuyi5n nghi cria Co quan thanh tla gi6m s6t ngan hang nhe nu6c; thgc hiQn

th6m dinh b6o crio tdi chinh 6 th6ng vd b6o c5o tdi chinh ndm.

-

Can cu kdr qud tu hoqt dQng kidm toen n$i bO. Ban kidm sodt
c6c phi€n hqp HQi d6ng quan

di

dua ra c6c kiiin nghi rai

tri va ban hdnh c6c vin bin cinh b6o rui ro trong toan

hC

thong.

2.1 ci6m set

vi tlinh

gi6 tinh hiiu quA cia c6ng

tic

quen

tri dilu htnh ngln

hAng.

HQi d6ng Quan tri HDBank giim c6 09 thdnh vi€n dugc phAn c6ng phu tftich trgc tiiip
rui ro. Uy ban nhrin su. Uy
vdo 5 Uy ban ltuc lhuQc HDQT bao giim: Uy ban QuAn

lj

ban Tin dung, Uy ban C6ng nghQ, Alco. C5c riy ban duy

tri ho4t tlQng thudng xuy€n,

hoat dQng theo Quy chii t6 chric vd hoqt dQng do HDQT ban hanh.

-

Ban kii3m soiit tham dg cdc phi6n hgp cria HQi tliing Quan tri; HOi ngh; so k6t. tiing kit.
Trong c6c phi6n hgp, Ban kidm sorit dE th6ng b6o vd hoat dQng, tham gia thao luen- Yd
dong gop ki6n vio nQi dung cia timg phiCn ho.p, ddng thdi c6 nhtng kitin nghi voi HQi

i

il6ng Qu6n tri, Ban T6ng Gi6m diic, cric ki6n nghi tap trung vdo nhnng nQi dung nhu
sau:

r'

Vd nha{r sy: xdy dqng c6ng t6c quy hoach crin b0 cap cao, c6ng

tu6n chuy€n c6n bQ,

r'

ki luat, tr6ch nhiQm cri nhdn.
Va Isi nhu{n: khai thric hiqu qud tii sdn c6 sinh loi, c6c khoin aiu u. t,5 chric l4i hoat
dQng c{ic don vi c6 hiQu qui th6rp, cring c6 quan l! hiQu qud c6c ngudn thu.

/

Ldp kii hoech l.tgAn s6ch tlii c6 co sd girim sdt, ki6m so6t t6t chi phi hoet d0ng vd quan


thdi chAn chinh

ki

ric

cuong,

l)'

/

Tdng cudng hiQu qui c6ng t6c quin 1ri: xdy dgng c6c biQn ph6p crJ th6 neng cao ch6t
lugng Oi sin, chdt luqng tin dung, quen ly ng qu6 han, xri lj ng x6u, thuc hien an todn
kho qu! vd hQ thling ki6m ra ki6m sorit nQi bQ.


Xdy dyng nnng luc cqnh tranh, ti.rng budc n6ng cao ch6t lugng dich vu.

C6c kiit quri girim s6t, ki6m to6n crta Ban ki6m sodt, Kidm todn n$i b9 dAu dugc th6ng
b6o cho HQi ddng Qudn tri. Tring Gidun tiic va c6c b€n c6 lien quan. Ban ki6m sodt co
ki6n nghi cu th6 vdi c6c truong hqp aqng y6u.

2.2 K6t

qui ho{t

atong c0a Ki6m to6tr noi bO.

Phdng Ki(im toan noi bO da hoan thenh ttit k6 hoach nam 2Ot5: thqc hifn kidm rodn theo

doen 77 don vi, det t l0% k6 hoach; thuc hi€n 240 cuoc kiAm tra dor xudt va kidm tra
chuy€n

di. det

dQng, trong

vin

l04olo ke hoach. Qua d6 da phdt hifn cdc vin

ban qui tlinh nQi bQ vd co c6u tii chric, d6ng thoi ttua ra c6c cdnh b6o rui

ro dd kiiin nghi HQi tt6ng qurin trl. Ban di€u hanh vd cdc cdp qurin lf cia ngdn hdng
trong viQc khic phUc sai s6t, chin chinh vi bd sung cdc quy ttinh, quy trinh vd huong
dan nghigp vu, tang cudng cdng uic kidm sorit ngi bg nhim ngan ngLa vd h4n chd rui ro.
dem beo an toe,n uong ho4t dong.

II.

KIT QUATHAM DINH BAocAoTAIcHiNH
l. Va 860 c6o tAi chinh

:

Ban kidm so6t dA rhuc hien viQc thim tra b6o c6o tai chinh hqp nh6t nam 2015 crla
HDBank va thiing nh6t xiic nh6n nhu sau:
Beo c6o Gi chinh hgp nh6t nam 2Ol5 cua HDBank tla phin rinh day dn, kip thoi tinh
hinh hoat biiiu ban hanh theo Quy dinh.
ViQc ghi chdp, luu

trt chfng tir vd lflp sii srich ki! to6n duqc ghi nhfln diy dri, chinh x6c

mgi ho4t dQng cria Ng6n hdng. Brio cdo di chinh hqp nhir dd duqc COng ty TNHH E&Y
kiiim to6n, phri hgp vdi cric chuin myc k6 to6n ViQr Nam vd cdc quy dinh hien henh.
Vd Tiri sin

vi

Ngudn v6n:

CAc s6 lieu vE tdi srin

ngudn v6n thd hien rren Bang can ddi kd toA,n hgp nh6rt so voi
sii lieu nam 2014 tai HDBank nhu sau:
Don vi tinh: tri(u ding

7t

-I/t212r)t5

2t20t1

TAI SAN
Ti6n m{t, vang b4c, dri quj

t.472

819

TiEn gui tai Ng6n hang NhA nudc ViCt Nam

2;142

2,409

I 1,994

16,835

9t6

931

l9

.l

55,853

41,376

56.559

1l.u60

-706

-181

Ti€n, vdng gui vd cho vay c6c t6 chuc tin dgng
("TCTD) kh6c
Chung khorin kinh doanh
C6c c6ng cq rai chinh phrii sinh vA cric TSTC
kh6c

Cho vay khach hAog
Cho voy tJuich hdng
Du ph6ng

rii

ro cho vay khdch hdng

[6,ix ]

/

our
pt{trr,

txitn

vi

CHi TIOU

^1006

r

HocHir

g


Hoat d6ng mua nq

Mua nq
D1t

rii

phdng

ro hoqt d6ng mua nq

Ching khorin diu ttt s1n sdng di hdn

t6.705

2 t

5.012

ro

.319

3,307

-519

l9

229

530

250

.l

Diu ttt diti hqn khac

fu

ll5

24.472

diu tu ddi hqn

G6p viin,

ti

21.198

Chimg khodn diu tu giir diin ngay dAo hqn

rii

115

-3

Chtng khorin iliu tu

Dy phdng

)

phdng gidm gid tidu tlt ddi hsn

-21

Tdi san c6 dinh

521

1305

B:it dQng sdn ddu tu

65

TAi saII c6 khec

TONG TAI sAN

10.976

I t.7'12

l{r6.{ll6

99,525

Nq PH,{I TRi.
Cric khoin ng Chinh phri vd

NHNN

ll.l

1.488

I

(r.595

19,507

74.513

65.412

2.823

13

Phdt hanh gi6y to c6 gia

7.84'l

l.5ll0

Cric khoan ng khric

2.3.19

1.600

96.644

90.326

9.842

9.t99

Ti€n gui vd vay crc TCTD kh6c

Tiin gtri

cua khich

V6n tdi tlg,
rui ro

ui

hing

thric ddu tu, cho vay mA

Ntl chiu

TdNG NO PHAI TRA
Tdng v6n chir so

hiu

Trong d6 Vtin diiu

8.100

lQ

Loi fch cia c6 d6ng thi6u s6
ToNG Ng PHAI rRri VA

.149

voN CHU So

106.{lt6

HUtr
V6 k5t

qui hogt

r25

ttQng:

C6c sii lieu chinh thii hien hen Beo cao kiit qud kinh doanh hqp nhit nam 2015 cia
HDBank nhu sau:

Donvitinh: ding
BCTC RIENG LE

BCTC HOP NHAT
CHI TIEI]
2015
Thu nh{p

lii

thuin

Lei thui! tir ho?t dQng
dich vr,r

201.1

HDBank

HD Snison

AI\tc

20t5

2015

2015

3.245

t.629

2.048

188

127

210

I,233

.]

5


Lai thuiD tir hoat d6ng
KD ngoai h6i

25

12

32

-1

8{)

-1

.19

475

-19

20

47

5

Thu nh{p tir g6p v6n,
mua c6 phen

610

499

621

TONG THU NHAP
HOAT DONG

{,t l-1

2,899

2,961

1,196

2,.t I {)

I,ti20

1,695

726

Loi nhu.in thu.ln tu hoat
dQng kinh doanh truoc
chi phi du phdng rui ro
tin dung

1.723

1.079

1.266

4'71

Chi phi dU phdng rui ro
tin dung

935

,156

761

-170

LO. I NHUAN

TRUdC THUT

7lJ8

622

502

-r00

Tdng chi phi rhui: TNDN

158

l,l5

91

6.t

6-10

171

.t08

2-16

Laill6

Oru6n tn mua b6n

CK kinh doanh
Ldi thudn tu mua brtr CK

diu tu
Lai thu"an tu ho4t dong
khric

T6NG CHI PHi HoAT
DQNG

TONG

LgI NIIUAN SAU
TIIT]f,
t.

-3't

5

-l
,S)

rfr qui crArvr sAr HoAT DoNG Hqp NHAr NAM 201s:

,iil,,

Trong ntrm 2015, hoat dQng kinh doanh coa Ng6n hdng yd c6c c6ng ty con dat dugc

nhftng k6t quii nhu sau:

Eon vi tinh: Ty dttng
Thuc
Chi tiCu

'I hr,'c
hiqn

K6 hoqch

nirnr 2(ll5

DHCD

hiQn
so

ki!

Thuc

ThFc hiCn

nim

201,1

ho4ch
( 1.)

Tdng rai srin
V6n di6u

16

T6ng Hul d6ng

(2)

(3)

106.486

8.100

9t,473

120.882

8.100

t000/0

so ndm

truoc
(5)

88%

hiQn

99.525

(6)

t07vo

8,r00

100%

88,682

103vo

)0P
rrEn

.ad

4


Huy d6ng thi truong I

82.390

76,950

t07%

68.992

T6ng du ng

67.188

6l.l9l

11,0%

54.013

Du nq cho vay
CN,TCKT
Du nq tnii phi6u DN

Ti

l€ no xdu,/Tdng du

nq (TT02)

I-oi

nhudn truoc thu6

Lgi nhuQn sau thu€

Ph{t trien mqng luoi
HDBank
56 luong CBNV

r0,621

I

t9%

41.860

t150/o

l2.l5l

87%

1.3to/o

<3Yo

788

830

95%

700

lti%

630

617

97%

555

t 14%

220 diiim

221 di6m

t,42vo

-l
Cltem

209 cli6m

8.464

6,815

ll
olcm

t.649

Lgi nhufln sau

thu€/
long lar san hrnn quan

(RoA)
Lqi nhu-ar sau thue
,rr'iin didu 16 binh quAn
(RoE)
H9 s6 an toen (CAR)

Thu nhQp birth qudn
thrlng CBNV

Ghi

o.6l%

0.58%

0.6%

8.28%

8,r.n

6.9%

10.6 trieu

8.2

ditng

chi: Cho vay cia HDBank ri1ng k

VA tr?ng

10.74%

13.420h

rieu
ddng

ndm 2015 ld 63,092

t) ding.

thii tii chinh: trong nam ludn ddm bdo an toan thanh khoan,

duy tri cec

ti

lC

an toan v6n trong hoat dong Ngan heng d mric cho phdp. Du ng cho vay HDBank riCng

t!

il6ng, ting 21.8% so vdi ndm 2014, trong girii han tAng tru&ng Ngan h,rng
nhd nudc d{t ra. Tj l€ no xdu thdi di6m 3l/l2l2}l5 ld 1.32%, hodn thanh chi tidu di ra
va tuan th0 gioi han cia Ngdn hing nhd nuoc Vift Nam (chi tieu di ra voi $ l€ nq xiu
ld ld 63,092

riii da 3%1. Tuy nhidn- ngdn hdng vin cin phei tich c1rc thu hdi nq que han vd ki€m sodt
hiQu qu6 hon noa tong cdng tdc cho vay, cdi thi€n hiQu qud mang tai trCn chi phi hoat
dQng cia tiing don vi trong hQ th6ng, nhim ddm bdo lqi nhuan va rang dnh an todn trong
hoat dong ngen hdng.

lv.

NHrEM vU NAM 2016 cuA BAN

KrtM

SOAT:

Cin cf vdo chric ndng nhi€m vu cia Ban kidm soiit. phuong huong ho4

tlQng Ng6n

hdng ndm 2016. chi dao cria Ng6n hdng Nhd nuoc vi muc tidu, nhidm vU, chinh srich
tidn t€, biCn ph6p dam bio hogt dQng an todn, hiQu qui vd .l[ng Phrip lu{t: Ban kidm soit
tep trung vao cec c6ng viQc co b6n nhu sau:

quyit
Gi6m s6t cOng t6c quan tri, Dei hQi ttdng c6 et6ng trinh hdnh ttQng n6m 2016 c0a Ban Diiiu hanh theo 04 n$i dung trqng tam: l)iy manh
tlng rruong tln dtmg gin vrii hifu quA, van hAnh an toin. ch6t luo. ng dich vu' kicim soit
chi phi.
Tri6n khai c6ng t6c Ki6m toan noi bO theo k6 ho+ch, h6 trg Ban diiu hAnh ki6m sodt cdc
rui ro, kip thdi ph6r hiQn c6c sai ph4m nhim girip d4t dugc 04 nQi dung trQng tem trong
kii hoOch hAnh ro gita
Hq tt iSng kidm ua kiim sorit noi b0 do Ban didu hinh thi6t lAp,
nghi cu th6 nhim kien toan hC th6ng na).
cOa

tii do co ciic kiin

Gi6m s6t hogt dQng KTNB vi cn lur.rng vA ch6t nhim dat k6 hoach tli ra; dinh hud'ng vd
ph€ duy€t kii hogch ki6m toen ntrm 20161 xriy dung bqi mAy td chuc. phe duyQt quv dinh
cg dd cuong c6ng viQc cria Ki6m torin nQi b0 nhdm vin hirnh hi(u qud'
nEi U6,
"Ong
phuc vu tiit nhit cho mgc tieu cia Ban kidm sorit trong nrm 2016.

Thim lra 860 ceo tei chinh hgp nh6t 6 thtiu:rg nlm 20t6, Brio crio tiri chinh cri ntrtn 2016
cia Ngan hdng va Brio c6o tei chinh hqp nhdt vdi cric C6ng ty truc thu0c'
Triiin khai ph6n cOng nhiQm vg cu th6 trong Ban kidm so6t nhim thyc hien mlrc lieu
ntrm 2016.

Tr6n d6y lA nhtng nOi dung Ban

nghi Dsi hQi g6p ! va thong qua.

Kinh chic Dqi hAi thdnh c6ng

6t

kiim soiit xin biio crio Dai h(li d6ng

ctr dOng' kinh

di

deP.

Trdn trpng cdm on Qui, v! !

rM.
zq3j99!99-

xttrrrsorrf,f

BAN
Trrrd ng bun

,r,fr

/."

5Ao ouv
Noi nh6n:

.
-

C6 .tOng HDBank.

HDQT, BDH.
vP/ HDQT.
Luu BKS.

tu0xc

D