Báo cáo tài chính ngân hàng thương mại cổ phần á châu 1701369208

l' l' n ~ n 0 n () () () 0 Ngan hang ThU'O'ng mcili Co ph&n A Chau Bao cao tai chfnh hqp nhat cho nam tai chfnh ket thuc 31 thang 12 nam 2022 0 0 0 u 0 u u u u NGAN HANG THU'O'NG M~I CO PHAN A CHAU BAO cAo TAI CHINH HO'P NHAT CHO NAM TAI CHINH K£T THUC NGAY 31 THANG 12 NAM 2022 0 n 0 0 0 0 {) u u () u u u Lt u NQI DUNG TRANG Thong tin ve Ngan hang Bao cao cua Ban Tong Giam d6c Bao cao kiem toan doc I$p Bao cao tlnh hlnh tai chfnh hqp nhat (Mau B02/TCTD-HN ban hanh theo Thong tll' s6 49/2014/TT-NHNN 31 thang 12 nam 2014 va da OU'Q'C sua doi, bo sung b&i Thong tll' s6 27/2021/TT-NHNN 31 thang 12 nam 2021 ("Mau B02/TCTD-HN")) Bao cao ket qua ho~t dong hqp nhat (Mau B03/TCTD-HN ban hanh theo Thong tll' s6 49/2014/TT-NHNN 31 thang 12 nam 2014 va da dU'Q'C sua doi, bo sung b&i Thong tll' s6 27/2021/TT-NHNN 31 thang 12 nam 2021 ("Mau B03/TCTD-HN")) Bao cao IU'u chuyen tien t$ hqp nhat (Mau B04/TCTD-HN ban hanh theo Thong tll' s6 49/2014/TT-NHNN 31 thang 12 nam 2014 va da 0U'Q'C sua doi, bo sung b&i Thong tll' s6 27/2021/TT-NHNN 31 thang 12 nam 2021 ("Mau B04/TCTD-HN")) Thuyet minh bao cao tai chfnh hqp nhat (Mau B05/TCTD-HN ban hanh theo Thong tll' s6 49/2014/TT-NHNN 31 thang 12 nam 2014 va da 0U'Q'C sua doi, bo sung b&i Thong tll' s6 27/2021/TT-NHNN 31 thang 12 nam 2021 ("Mau B05/TCTD-HN")) 11 NGAN HANG THU'O'NG M~I C6 PHAN ACHAU r THONG TIN VE NGAN HANG So 91/GP-NHNN 19 thang nam 2018 Gi~y phep ho~t dc}ng Ngan hang Giay phep hoc;1t dong cua Ngan hang Ngan hang Nha nll'&c Viet Nam cap Theo giay phep hoc;1t dong, Ngan hang c6 th6'i hc;1n hoc;1t dong la 50 24 thang nam 1993 nam kE§ tu Gi~y chll'ng nh~n dang doanh nghi~p () Hc}i d6ng Quan trj n So 0301452948 cap 19 thang nam 1993 Giay chll'ng nhc;1n dang ky doanh nghiep da dll'Q'C dieu chinh nhieu Ian va Ian dieu chinh gan nhat la vao thang nam 2022 Giay chU'ng nhc;1n dang ky doanh nghiep Ian dau va dieu chinh dU'Q'C cap b&i S& Ke hoc;1ch va Bau tll' Thanh Ho Chf Minh Ong Tran Hung Huy Ong Nguyen Thanh Long Ong Dominic Timothy Charles Scriven Ba flinh Thj Hoa Ba fl~ng Thu Thuy Ong flam Van Tuan Ong Hiep Van Vo Ong Huang Yuan Chiang 0 ky Ban Tbng Giam d6c Ong Tu Tien Phat 0 Ong 80 Minh Toan Ong flam Van Tuan Ong Bui Tan Tai Ong Nguyen 8U'C Thai Han Ba Nguyen Thj Hai Ba Nguyen Thj Tuyet Van Ong Nguyen Van Hoa Ba Nguyen Ngc Nhll' Uyen (.) Ong Nguyen Kh~c Nguyen u u (J Ong Ngo Tan Long Ban Ki~m soat V (J u Ngu>O'i d~i di~n theo phap lu~t Tong Giam doc (tu 14 thang nam 2022) Ph6 Tong Giam doc (den 13 thang nam 2022) Tong Giam d6c (den 13 thang nam 2022) Ph6 Tong Giam doc Ph6 Tong Giam doc Ph6 Tong Giam doc Ph6 Tong Giam doc Ph6 Tong Giam doc Ph6 Tong Giam doc Ph6 Tong Giam doc (den 31 thang 10 nam 2022) Ph6 Tong Giam doc (tu 15 thang nam 2022) Ph6 Tong Giam doc (tu 12 thang nam 2023) Ong Huynh Nghia Hiep Ba Hoang Ngan Ba Phung Thj Tot Ba Nguyen Thj Minh Lan TrU'O"ng ban Thanh vien chuyen trach Thanh vien Thanh vien chuyen trach Ong Tu Tien Phat Tong Giam doc (tu 14 thang nam 2022) Tong Giam d6c (den 13 thang nam 2022) Ong v u Chu tjch Ph6 Chu tjch Thanh vien (den 29 thang nam 2022) Thanh vien Thanh vien Thanh vien Thanh vien doc lc;1p Thanh vien doc lc;1p f)o Minh Toan TrlJ s6' chinh 442 Nguyen Thi Minh Khai, Phll'6"ng 5, Quc;1n 3, TP Ho Chf Minh, Viet Nam Ki~m toan vien Cong ty TNHH KPMG (Viet Nam) r r NGAN HANG THU'O'NG M~I CO PHAN A CHAU BAO CAO C0A BAN TONG GIAM E>6C TRACH NHIEM COA BAN TONG GIAM E>6C NGAN HANG THU'O'NG MAI CO PHAN A CHAU E>61 VO'I BAO cAo TAI CHiNH HQ'P NHAT Ban T6ng Giam d6c cua Ngan hang ThU'O'ng m~i C6 ph~n A Chau ("Ngan hang") chiu trach nhi$m I$p bao cao tai chfnh hqp nhat the hi$n trung thl,l'c va hqp ly tinh hinh tai chfnh hqp nhat cua Ngan hang va cac c6ng ty (gQi chung la "T$p doan") t~i 31 thang 12 nam 2022 va ket qua ho~t dong hQ'p nhat va tinh hinh IU'u chuyen tien t$ hqp nhat cho nam tai chfnh ket thuc cung Trong vi$c so~n I$p bao cao tai chfnh hQ'p nhat nay, Ban T6ng Giam d6c dU'Q'C yeu c~u phai: • • • () 0 0 0 chqn I1,l'a cac chfnh sach ke toan phu hqp va ap d1,mg chung mot each nhat quan; thl,l'c hi$n cac danh gia va U'O'C tfnh mot each hQ'p ly va th$n trQng; va so~n I$p bao cao tai chfnh hqp nhat tren CO' s& T$p doan ho~t dong lien t1,1c tn) gia djnh T$p doan ho~t dong lien t1,1c la kh6ng phu hqp Ban T6ng Giam d6c chiu trach nhi$m bao dam r~ng cac s6 sach ke toan thfch hqp da dU'Q'C thiet 1$p va tri de the hi$n t1nh h1nh tai chfnh hqp nhat cua T$p doan v6'i chfnh xac hqp ly t~i mQi thai diem va de lam CO' s& so~n I$p bao cao tai chfnh hqp nhat tuan thu theo che ke toan dll'Q'C trinh bay O' Thuyet minh s6 cua bao cao tai chfnh hqp nhat Ban T6ng Giam d6c cOng chju trach nhi$m d6i v6'i vi$c bao v$ cac tai san cua T$p doan va thl,l'c hi$n cac bi$n phap hQ'p ly de ngan ngll'a va phat hi$n cac gian I$n va cac vi ph~m khac PHE ouveT BAO CAO T Al CHINH HQ'P NHAT Theo day, t6i, Tll' Tien Phat, thay mc;1t Ban T6ng Giam d6c cua Ngan hang, phe duy$t bao cao tai chfnh hqp nhat dfnh kem tll' trang den trang 96 Bao cao tai chfnh hQ'p nhat phan anh trung thl,l'c va hQ'p ly tinh h1nh tai chfnh hqp nhat cua T$p doan t~i 31 thang 12 nam 2022, cOng nhU' ket qua ho~t dong hqp nhat va tinh h1nh IU'u chuyen tien t$ hqp nhat cho nam tai chfnh ket thuc cung phu hqp v6'i cac Chufln ml,l'c Ke toan Vi$t Nam, Che Ke toan Vi$t Nam va cac quy djnh phap ly c6 lien quan den vi$c 1$p va trinh bay bao cao tai chfnh hqp nhat ap d1,1ng cho cac t6 chU'c tfn d1,1ng ho~t dong t~i Vi$t Nam 0 (J u TU' Tien Phat ' T6ng Giam d6c l.> TP H6 Chf Minh, Vi$t Nam Ngay 28 thang nam 2023 u ~ NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU (J u L.,., l Digitally signed by NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU DN: C=VN, S=HỒ CHÍ MINH, L=Quận 3, CN=NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN Á CHÂU, OID.0.9.2342.19200300.100.1.1 =MST:0301452948 Reason: I am the author of this document Location: your signing location here Date: 2023-03-09 08:46:07 Foxit Reader Version: 10.0.0 r [' :::::: ·-o :Al !T KPMG Limited Branch 10th Floor, Sun Wah Tower 115 Nguyen Hue Street, Ben Nghe Ward District 1, Ho Ch i Minh City, Vietnam +84 (28) 3821 9266 I kpmg.com.vn BAO cAo KIEM TOAN E>QC L~P Kinh gLI'i cac Cb dong Ngan hang ThU'O'ng m~i 0 Cb phin A Chau Chung toi da kiem toan bao cao tai chinh hQ'p nhat dinh kem cua Ngan hang ThU'ang m~i C& phan A Chau ("Ngan hang") va cac cong ty (gQi chung la "T$p doan"), bao gom bao cao tlnh hlnh tai chfnh hQ'p nhat t~i 31 thang 12 nam 2022, bao cao ket qua ho~t dong hQ'p nhat va bao cao IU'u chuyen tien t$ hQ'p nhat cho nam tai chinh ket thuc cung va cac thuyet minh kem theo dU'Q'C Ban T6ng Giam doc Ngan hang phe duy$t phat hanh vao 28 thang nam 2023, dU'Q'C trlnh bay tll' trang den trang 96 0 0 0 u CJ J u L Trach nhi~m cua Ban Tbng Giam d6c Ban T6ng Giam doc Ngan hang chju trach nhi$m I$p va trlnh bay trung thl,l'c va hQ'p ly bao cao tai chfnh hQ'p nhat theo cac Chu~n ml,l'c Ke toan Vi$t Nam, Che Ke toan Vi$t Nam ap d1,mg cho cac t& chll'c tfn d1,mg Ngan hang Nha nU'&c Vi$t Nam ban hanh va cac quy dinh phap ly c6 lien quan den vi$c I$p va trlnh bay bao cao tai chinh , va chju trach nhi$m ve kiem soat noi bo ma Ban T6ng Giam doc xac djnh la can thiet de dam bao vi$c I$p bao cao tai chfnh hQ'p nhat khong c6 sai s6t trqng yeu gian I$n hay nham Ian Trach nhi~m cua ki~m toan vien Trach nhi$m cua chung toi la dU'a ray kien ve bao cao tai chfnh hQ'p nhat dl,l'a tren ket qua kiem toan cua chung toi Chung toi da thl,l'c hi$n cong vi$c kiem toan theo cac Chu~n ml,l'c Kiem toan Vi$t Nam Cac chu~n ml,l'c yeu cau chung toi tuan thu chu~n ml,l'c va cac quy djnh ve d~o dll'c nghe nghi$p va I$p ke ho~ch va thl,l'c hi$n cuoc kiem toan de d~t dU'Q'C SI,/' dam bao hQ'p ly ve vi$c li$u bao cao tai chinh hQ'p nhat c6 sai s6t trqng yeu hay khong Cong vi$c kiem toan bao gom vi$c thl,l'C hi$n cac thu tl,1c nham thu th$p cac bang chll'ng kiem toan ve cac so li$u va cac thuyet minh bao cao tai chfnh Cac thu t1,1c dU'Q'C I1,i'a chQn dl,l'a tren xet doan cua kiem to~n vi~n, bao gom danh gia rui ro c6 sai s6t trqng yeu bao cao tai chfnh gian I$n hoc;ic nham Ian Khi thl,l'c hi$n cac danh gia rui ro nay, kiem toan vien xem xet kiem soat noi bo cua T$p doan lien quan t&i vi$c I$p va trlnh bay bao cao tai chfnh trung thl,l'c va hQ'p ly nham thiet ke cac thu t1,1c kiem toan phu hQ'p v&i tlnh hlnh thl,l'c te, nhien khong nham m1,1c dich dU'a y kien ve hi$u qua cua kiem soat noi bo cua T$p doan Cong vi$c kiem toan cCmg bao gom vi$c danh gia tfnh thich hQ'p cua cac chfnh sach ke toan dU'Q'C ap d1,1ng va tfnh hQ'p ly cua cac U'O'C tfnh ke toan cua Ban T6ng Giam doc cCmg nhU' danh gia vi$c trlnh bay t&ng the bao cao tai chfnh Chung toi tin rang cac bang chll'ng kiem toan ma chung toi thu dU'Q'C la day du va thfch hQ'p lam CO' cho y kien kiem toan cua chung toi sa KPMG Limited Branch, a branch of KPMG Limited, a Vietnamese one member limited liability company and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Umited, a private English company limited by guarantee, All rights reserved , , ,, ,, Y ki~n cua ki~m toan vien Theo y kien cua chung t6i, bao cao tai chfnh hqp nhat da phan anh trung thl,fc va hqp ly, tren cac khfa c~nh trc;>ng yeu, tlnh hlnh tai chfnh hqp nhat cua Ngan hang ThU'ang m~i C6 phan A Chau va cac c6ng ty t~i 31 thang 12 nam 2022, ket qua ho~t dong hqp nhat va ILI'u chuy~n tien t$ hqp nhat cua Ngan hang va cac c6ng ty cho nam tai chfnh ket thuc cung ngay, phu hqp v6'i cac Chu~n ml,fc Ke toan Vi$t Nam, Che Ke toan Vi$t Nam ap d1,mg cho cac t6 chll'c tfn d1,mg Ngan hang Nha nU'6'c Vi$t Nam ban hanh va cac quy djnh phap ly c6 lien quan den vi$c l~p va trlnh bay bao cao tai chfnh Vind~ khac Bao cao tai chfnh hqp nhat cua T~p doan cho nam tai chfnh ket thuc 31 thang 12 nam 2021 dU'Q'C ki~m toan b&i mot c6ng ty ki~m toan khac va c6ng ty ki~m toan da dU'a y kien chap nh~n toan phan doi v6'i bao cao tai chfnh hqp nhat d6 bao cao ki~m toan 24 thang nam 2022 0 Chi nhanh Cong ty TNHH KPMG t~i Thanh ph6 HO Chi Minh Vi$t Nam Bao cao ki~m toan so: 22-01-00353-23-1 0 0 ' -ti: z Casihan Giay " nh~n 0ang ky Hanh nghe Ki~m toan so 2225-2023-007-1 Ph6 T6ng Giam a6c Tran 01nh Vinh Giay Chll'ng nh~n 0ang ky Hanh nghe Ki~m toan so 0339-2023-007-1 Thanh H6 Chf Minh, 28 thang nam 2023 u (J () J u u ( NGAN HANG THU'O'NG M~I CO PHAN A CHAU Miu 802/TCTD-HN BA.O cAo TINH HINH TAI CHINH HQ'P NHAT Thuy~t minh A C Tfinga~ 31.12.2022 31.12.2021 Tri~u VND Tri~u VND TAI SAN Ti~n m~t, vang b~c, da quy 8.460.892 7.509.877 II Ti~n guii t~i Ngan hang Nha nu,6'c 13.657.531 32.349.574 Ill Ti~n guii va cho vay cac t6 chLPc tfn d1,mg khac Tien gui t~i cac to chU'c tfn d1,mg khac Cho vay cac to chll'c tfn dt,mg khac Dl,J' phang rui ro 6.1 6.1 6.3 85.971.313 82.338.762 3.682.551 (50.000) 49.818.776 43.713.230 6.105.546 IV Ch(i,ng khoan kinh doanh Chll'ng khoan kinh doanh Dl,J' phang rui ro chll'ng khoan kinh doanh 1.131.327 7.4 1.320.941 (189.614) 11.259.731 11.325.371 (65.640) V Cac cong Cl} tai chfnh phai sinh va cac tai san tai chfnh khac 100.072 226.545 Cho vay khach hang Cho vay khach hang Dl,J' phang rui ro cha vay khach hang 408.856.508 9.7 413.706.244 (4.849.736) 356.050.950 361.912.538 (5.861.588) ChLPng khoan dau tu, Chll'ng khoan dau tll' s~n sang all ban Chll'ng khoan dau tll' giCr den dao h~n DI! phang rui ro chll'ng khoan dau tll' 10 10.1 10.1 10.4 75.534.794 59.474.604 31 854.915 43.679.879 9.739.539 49.743.071 (8.006) IX G~p vim, dau tll' dai h~n Dau tll' dai h~n khac DI! phang giam gia dau tll' dai h~n 11 11.2 11.3 146.814 303.387 (156.573) 171.925 299.317 (127.392) X Tai san cf> dinh Tai san c6 djnh hCru hlnh Nguyen gia tai san c6 djnh Hao man tai san c6 djnh 12 12.1 3.981 376 a b 2.849.732 5.523.787 (2.674.055) 3.762.548 2.685.070 5.123.414 (2.438.344) () a b Tai san c6 djnh v6 hlnh Nguyen gia tai san c6 d!nh Hao man tai san c6 djnh 12.2 1.131.644 1.709.488 (577.844) 1.077.478 1.579.813 (502.335) (J XI a b Bat dc}ng san dau tll' Nguyen gia b~t dong san dau tll' Hao man b~t dong san dau tll' XII Tai san C6 khac Cac khoan phai thu Cac khoan lai, phf phai thu Tai san thue thu nhc;1p doanh nghi$p hoan l~i Tai san C6 khac Cac khoan dl,J' phang rui ro cha cac tai san C6 noi bang khac 0 0 u u VI VIII 13 TONG TAI SAN ( 177.005 216.027 216.027 9.857.553 6.929.387 14.2 14.3 4.756.992 4.089.550 63.966 1.143.212 3.023.499 3.171.877 44.370 869.602 14.4 (196.167) 14.1 177.005 607 875.185 (179.961) 527.769.944 Cac thuyet minh tll' trang 11 den trang 96 la mot phan hQ'p bao cao tai chfnh hQ'p nhfit r r, ~ NGAN HANG THU'O'NG M~I CO PHAN A CHAU Mau 802/TCTD-HN BAO CAO TINH HINH TAI CHiNH HO'P NHAT (ti~p theo) · Thuy~t minh vA VON CHO s6' HU'U B NQ' PHAI TRA Cac khoan nQ' Chfnh phu va Ngan hang Nha nlJ'6'c Tien gLYi va vay Chfnh phu, Ngan hang Nha nU'6'c 15 II Ti~n gll'i va vay cac t6 chwc tfn d\mg khac Tien gLYi cua cac to chU'c tfn dl,mg khac Vay cac to chU'c tfn dl,mg khac 16 Ill Ti~n gll'i cua khach hang V 67.840.840 54.393.939 41.380.571 13.013.368 17 413.952.789 379.920.669 V6n tai trQ', uy thac dau tlJ', cho vay t6 chwc tfn dI,mg chju rui ro 18 60.188 86.066 19 44.304.367 30.547.883 22.772.462 17.920.478 5.564.271 17.208.191 4.637.581 13.282.897 549.436.522 482.869.035 58.438.663 44.900.909 34.046.1 30 33.774.351 271 779 9.220.125 15.172.408 27.291.260 27.019.481 271.779 7.164.297 10.445.352 11.632.365 3.540.043 180.532 2.264.820 58.438.663 44.900.909 607.875.185 527 769.944 VI Phat hanh gi.iy ta co gia VII Cac khoan nQ' khac Cac khoan lai, phf phai tra Cac khoan phai tra va c6ng nq khac 505.876 505.876 60.002.732 7.838.108 0 T~ingay 31.12.2022 31.12.2021 Tri~u VND Tri~u VND 20 TONG NQ' PHAI TRA VIII a C V a b VON CHO S6' HU'U V6n cua to chU'c tfn dL,Jng V6n dieu le Th(mg dU' v6n co philn Quy cua to chll'c tfn dL,Jng Lqi nhu$n chU'a phan ph6i Lqi nhu~n nam Lqi nhu~n /Oy k6 nam tfl fOc 21 s6' HU'U (J TONG VON CHO u TONG NQ' PHAI TRA vA VON CHO s6' HU'U () u u Gae thuyet minh tll' trang 11 den trang 96 la m(lt phan hQ'p bao cao tai chfnh hQ'p nhat ' r ,NGAN HANG THU'O'NG M~I CO PHAN A CHAU Miu 802/TCTD-HN B~O cAo TINH HINH TAI CHINH HQ'P NHAT (tiep theo) cAc CHi TIEU NGOAI BAO cAo TINH HINH TAI CHINH T~ingay 31 12.2021 31.12.2022 Tritu VND Tritu VND Thuy~t minh 39.1 39.1 Bao lanh vay v6n Cam ket giao dich h6i doai Cam ket mua ng0r;ii t~ Cam ke t ban ngo;;i i t~ Cam ket giao dfch hoan a6i Cam ket nghi$p Vl,J UC Bao lanh khac Cac cam ket khac Lai cho vay va phf phai thu chU'a thu dLI'Q'c NQ' kh6 doi da XU' ly khac Tai san va chung 39.1 39.1 39.1 40 41 42 tu 55.386 62.044.742 62.456 77.700.895 946.516 1.178.698 59.919.528 568.404 579.774 76.552.717 2.777.938 9.579.729 6.490.910 1.170.894 6.757.296 968.751 4.005.740 389.456 4.655.536 1.893.418 6.909.849 804.375 Q Nguyen Van Hoa Ke toan trLI'ang ~ T6ng Giam d6c NgLI'ai dt;1i di$n theo Phap lu$t ~:::Ftf1ng Huy Chu tjch Hqi d6ng Quan tri Ngay 28 thang nam 2023 (J () u (J u l) v Cac thuyet minh Ill' !rang 11 den !rang 96 la m(>t phan hQ'p bao cao tai chfnh hQ'p nhflt r NG.AN HANG THU'O'NG M~I CO PHAN A CH.AU Miu 803/TCTD-HN BAO cAo KET QUA HO~T OQNG HQ'P NHAT Thu nhc;1p lai va cac khoan thu nhc;1p tll'ang tl,I' Chi phf lai va cac chi phf tll'ang tl,I' Thuyet minh Nam 2022 Tri~u VND Nam 2021 Tri~u VND 22 23 40.698.834 (17.165.305) 33.713.810 (14 769.018) 23.533.529 18.944.792 Thu nh~p lai thuan Thu nhc;1p tll' ho~t dong dich Vl,J Chi phf ho~t dong djch Vl,J 24 25 5.057.559 (1 531.315) 4.026.460 (1.132.497) II Lai thuan tll' hocllt dc;,ng dich Vl;J 3.526.244 2.893.963 Ill Lai thuan t(I' hocllt dc;>ng kinh doanh ngoclli h6i 26 1.048.369 871.556 IV (L6)/lai thuan t(I' mua ban ch(J,ng khoan kinh doanh 27 (387.873) 449.960 V Lai thuan tll' mua ban ch(J,ng khoan dau tu, 28 20.648 244.051 Thu nhc;1p tll' ho~t dong khac Chi phf ho~t dong khac VI Lai thuan tll' hocllt dc;,ng khac VII 1.110.494 (120.800) 703.159 (563.696) 29 989.694 139.463 Thu nh~p tll' g6p v6n, mua c6 phan 30 59.456 20.212 VIII Chi phi hocllt dc}ng 31 IX LQ'i nhu~n thuan tll' hocllt dc}ng kinh doanh tru,6'c chi phi dl;I' phong rui ro tin d1;1ng X Chi phi d\J' phong rui ro tin d1;1ng XI T6nglQ'inhu~ntru,6'cthue Chi phf thue thu nhc;1p doanh nghiep hien hanh Thu nhc;1p/(chi phf) thue thu nhc;1p doanh nghiep hoan l~i XII Chi phi thue thu nh~p doanh nghi~p XIII LQ'i nhu~n sau thue XV Lai 32 (11.605.045) (8,229.776) 17.185.022 15.334.221 (70.814) 17.114.208 33.1 33.2 33 (3.445.611) (3,336.109) 11 998.112 (2,389.079) 19.596 (6.287) (3.426.015) (2,395.366) 13.688.193 9.602.746 u u co ban tren c6 phieu (VND/c6 phieu) 2.799 LJit_ - - ,.J Nguyen Van Hoa Ke toan trll'&ng TU' ~ Tong Giam doc Ngll'6'i d~i dien theo Phap luc;1t Tran Hung Huy Chu tich Hoi dong Quan tr! Ngay 28 thang nam 2023 Cac thuyl!t minh Ill' trang 11 dl!n trang 96 la mot ph~n hqp bao cao tai chfnh hQ'p nh~t = - 204 INI GT :Pl ci' r C ' ' C C \ ,' o C NGAN HANG THU'O'NG M~I CO PHAN 0 0 0 J ) ) A CHAU Mau 805/TCTD-HN THUY~T MINH BAO cAo TAl CHINH HO'P NHAT CHO NAM TAI CHINH K~T THUC NGAY 31 THANG 12 NAM 2022 LY ROI RO TAI CHINH (tiep theo) 45 QUAN (b) Rui ro th! truiO'ng (tiep theo) (i) Rui ro /iii suat (tiep theo) Lai suat tren cac khoan ml,lc tien te tc;ii ket thuc ky ke toan nhll' sau: DLP6'i thang Tll' thang d~n thang Tll' tr~n thang den thang Tll' tren thang d6n 12 thang Tll' tren nam d6n nam Tren nam 0,05% (*) (*) (*) (*) (*) 0,00% - 9,00% 0,00% - 4,55% 6,50% - 11 ,00% 4,05% - 4,94% 8,20% (*) 5,00% - 8,00% (*) 5,00% (*) (*) (*) 0,00% - 29,00% 3,20% - 6,30% 1,25% - 23,00% 2,50% - 7,25% 6,00% - 15,00% 2,00% - 5,80% 3,79% - 20,31% 3,00% - 5, 10% 3,70% - 29,19% (*) 3,79%-15,10% (*) (*) (*) (*) 3,50% - 10,50% 2,90% - 5,50% 1,40% - 9,10% 0,20% (*) (*) (*) (*) (*) 0,00% 6,40% (*) (*) (*) (*) 0,00% - 6,80% 0,00% - 4,60% 7,10%-8,70% 4,00% - 4,80% 6,30% - 8,00% 0,80% - 5,99% (*) (*) (*) (*) (*) (*) 0,00% - 4,20% 0,00% 0,00% - 6,00% 0,00% 0,00% - 10,50% 0,00% 0,00% - 10,80% 0,00% 0,00% -10,50% 0,00% (*) (*) (*) (*) 3,78% - 4,33% (*) (*) (*) (*) (*) (*) (*) (*) 1,91 % (*) (*) (*) 4,00% - 10,50% 3,10% - 7,10% 7,35% - 8,50% (*) (*) 7,10% 7,10%-8,20% 7,50% - 8,00% (*) T~i 31 thang 12 nam 2022 Taisan Ti€!n gui t,;1i Ngan hang Nha nU'&e Ng~i t(I Ti€!n gui va eho vay eae TCTD khae VND Ng~i t(I Cho vay khaeh hang VND Ng~i t(I Chung khoan dflu tll' VND Tai san C6 khae VND Ng phai tra Gae khoan nq Chfnh phu va NHNN VND Ti€!n gui va vay eae TCTD khae VND Ng~it(I Tii§n gui eua khaeh hang VND Ng~i t(I V6n tai trq, uy thae dflu tll', eho vay TCTD ehju rui ro VND Ng~it(I Phat hanh gifly e6 gia VND Nq phai tra khae VND ta (*) Gae khoan m1,1e e6 s6 dU' b~ng o t,;1i k~t thue ky k~ toan 83 ::=-i - I ~ ~ r ccc.)cccc\o ') 000000 ) ,') NGAN HANG THU'O'NG M~I C6 PHAN A CHAU Miu 805/TCTD-HN THUY~T MINH BAO cAo TAI CHINH HO'P NHAT CHO NAM TAI CHINH K~T THUC NGAY 31 THANG 12 NAM 2022 LY ROI RO TAI CHINH (tif!p theo) 45 QUAN (b) Rui ro th! trlJ'ong (tif!p theo) (i) Rtii ro lai suat (tiep theo) Lai suat tren cac khoan m1,1c tien t$ tc;1i ket thuc ky ke toan nhU' sau: Dl.PO'i thang Tll' thang d~n thang TU' tren thang d~n 6thang Tll' ~en thang den 12 thang Tll' tren nam d~n5 nam Tren 5nam 0,00% - 2,80% 0,00% - 0,22% 0,80% - 3,00% 0,10% - 0,40% (*) (*) 3,70%- 5,10% (*) 4,90% - 5, 10% (*) (*) (*) 8,00% - 29,00% 4,00% - 4,80% 3,63% - 23,50% 1,80% - 6,25% 4,00% - 13,00% 1,70% - 5,60% 3,70% - 22, 15% 2,80% - 7,50% 4,04%-29,19% (*) 4,04% - 13,00% (*) (*) (*) (*) 2,20% - 7,03% 2,90% - 6,00% 2, 10% - 11 ,10% 0,10% (*) (*) (*) (*) (*) 0,00% - 2,50% 0,00% - 0,20% 0,70% - 7,50% 0,15% - 1,12% 1,10% - 7,80% 0,80% - 1,28% 1,16%- 1,85% 0,90% -1,10% (*) (*) (*) (*) 0,00% - 5,10% 0,00% 0,00% - 5,30% 0,00% 0,00% - 8,00% 0,00% 0,00% - 7,30% 0,00% 0,00% - 8,30% 0,00% (*) (*) (*) (*) 3,83% - 3,91% (*) (*) (*) (*) (*) (*) (*) (*) 1,91 % (*) (*) (*) 2,45% - 7,80% 3,10%-7,80% 7,35% - 8,50% (*) (*) 5,90% - 6,40% 6,30% - 7,50% 7,00% - 7,50% (*) T~i 31 thang 12 nam 2021 Taisan Tien gui va cho vay cac TCTD khac • VND • Ng~i t~ Cho vay khach hang • VND • Ng~i t~ Chfrng khoan dau tll' • VND Tai san C6 khac • VND N9' phai tra Tien gui va vay cac TCTD khac • VND • Ngo?i t~ Tien gui cua khach hang • VND • Ng~i t~ V6n tai trQ', uy thac dau tll', cho vay TCTD chju rui ro • VND • Ng~i t~ Phat hanh giay c6 gia • VND NQ' phai tra khac • VND ta (*) Gae khoan mt,Jc c6 s6 dlJ' bang t,;1i ket thuc ky ke toan 84 ~ ~ ~"S,J ) r NGAN HANG THU'O'NG M~I CO PHAN A CHAU Miu 805/TCTD-HN THUYl:T MINH BAO cAo TAI CHINH HO'P NHAT CHO NAM TAI CHINH KET THUC NGAY 31 THANG 12 NAM 2022 ( LY RUI RO TAI CHINH (ti~p theo) 45 QUAN (b) Rui ro th! trU'6'ng (ti~p theo) (ii) Riii ro tien t~ Rui ro tien t$ (hay gc;>i la rui ro ngo