Báo cáo tài chính ngân hàng thương mại cổ phần bắc á1658254959

Ngan hang Th Trv 800chlnh: 117 BACABAN~ ! n : flTllII lllCCIZr : lL' MVC LVC Trang Bang can cJoik~ toan hop nhat giCPani~n de;; 1- Bao cao k~t qua heat de;;ngkinh doanh hop nhat giCPanien de;; 3-4 Bao cao lU'uchuy~n ti~n t~ hoopnhat giCPani~n de;; 5-6 Thuy~t minh bao cao tai chinh hop nhat giCPani~n de;; TIV so chlnh: 117 - 38 Ngan hang Thuonq mal Co phan B~c A Bi~u s6: B02aITCTD·HN 3110312022 3111212021 SANG CAN £)01 K~ roAN HO'P NHAr GICrA NI~N £)0 t~i 31 thang 03 nam 2022 Thuy~t minh triCu dOng 644.742 649.952 tri~u dOng TAl SAN Tiin m~t, vimg bac, da quy 599.843 1.023.135 Tiin glPi va eho vay cac TCTD khac Ti~n gui tal TCTO khac Cho yay cac TCTO khac 01,1'pheng rui ro cho yay cac TCTO khac 5.1 8.526.146 5.927.380 2.598.766 10.596.053 8.680.350 1.915.703 Chling khoan kinh doanh Ch(rng khoan kinh doanh 01,1'pheng rui ro ch(rng khoan kinh doanh 7.209.778 7.209.778 8.528.001 8.528.001 Cae eong e TC phai sinh va cae tai san TC khae· 11.451 5.097 Cho vay khach hang Cho yay khach hang 01,1'phOng rui ro cho yay khach hang 85.911.885 86.979.544 (1.067.659) 83.538.267 84.598.379 (1.060.112) 10.162.720 10.179.220 11.865.780 11.882.280 (16.500) (16.500) 147.032 147.032 162.845 (15.813) 162.845 (15.813) 766.063 759.258 181.304 453.430 (272.126) 174.474 439.063 (264.589) 584.759 676.543 (91.784) 584.784 674.463 (89.679) 14.461 14.461 14.461 14.461 3.083.747 191.174 2.857.314 83 35.176 2.664.770 191.405 2.438.595 83 34.687 117.077.868 119.791.806 Tiin glPi t~i Ngan hang Nha nLl'c)leVi,t Nam (UNHNN") Chling khoan d~u tLl' Ch(rng khoan c:Jautll' san sang c:Jllban Ch(rng khoan c:Jautll' gil) c:J~nngay c:Jaohan 01,1'phOng rui ro eh(rng khoan c:Jautll' 10 Gop v6n, dau tLl' dai han £>autll' vao cong ty V6n g6p lien doanh £>autu vao cong ty lien k~t £>autll' dai h~n kMc 01,1'pheng giam gia c:Jautll' dai h~n 11 Tai san e6 dinh Tai sim cO dinh h[J'uhinh Nguyen gia tai san cOc:Jinh Hao men tai san cOdinh Tai san cO r1inhthue tai chinh Nguyen gia tai san cOc:Jinh Hao men tai san cOc:Jinh Tai san c6 rJinhva hinh Nguyen gia tai san cOc:Jinh Hao men tai san cOc:Jinh BAt dQng san dau tLl' Nguyen gia bat dong san c:Jautll' Hao men bat c:Jongsan c:Jau tll' Tal san Co khae Cac khoan phai thu Cac khoan lai, phi phai thu Taj san thu~ TNON hoan I~j Taj san C6 kMc Trong d6: LQ'itM thl.J'O'ngmgi 01,1'pheng ruj ro cho cac tai san C6 noj bang khac T6NGTAI SAN 12 12.1 12.2 Cac thuy~t minh dinh kem til'ml,lc d~n 29 la mQtphBn cua cac bao cao tai chinh hQ'pnh~t Co phan B~c A Ngan hang ThU'O'ng mal BANG CAN 801 K~ ToAN HOOPNHAT GICYANI~N tal 31 thimg 03 narn 2022 Bi~u 56: B02aITCTD·HN £)0 (ti~p theo) 3110312022 3111212021 tri~u aOng tri~u dOng 84.155 95.504 14 14.1 14.2 4.902.690 4.874.997 27.693 9.086.568 9.060.479 26.089 Ti~n gll'i cua khach himg 15 95.031.417 93.440.398 cae cong CI,I TC phai sinh va cac khoan nQ'TC khac 3.671 3.671 rhuy~t minh NQ'PHAI TRA Cac khoan nQ'Chinh phLiva NHNN 13 Ti~n ~lI'i va vay eac TCTD khac Tien glii cua cac TCTD khac Vay cac TCTD khac VOntai trQ',uy thac d&u tu, cho vay TCTD chju rui ro Phat hanh giAy tOo co gia 16 Cac khoan nQ'khac Cac khoan lai, phi phai tra Thu~TNDN hoan lal phai tra Cac khoan phal tra va cong no khec Dl,I'phOngcho ceng nO'ti~m an va cam k~t ngolilibang 17 TONG NQ'PHAI TRA VON CHO 5.219.549 5.313.965 2.588.627 2.464.932 2.800.557 2.540.562 123.695 259.995 107.830.109 110.740.663 9.247.759 9.051.143 sa HO'U VOn eM 500 hiPu VOndi~u Ie VOnd&utu XDCB Th~ng dl1 vOncOphAn COphi~uquy COphi~u l1Udai VOnkhac 19 19 7.538.753 7.531.355 7.538.753 7.531.355 19.1 7.398 7.398 Quycua rCTD 19.1 686.254 686.254 19.1 1.022.752 826.136 19.1 9.247.759 9.051.143 117.077.868 119.791.806 Vc5ncua rCTD CMnh I~ch ty gia hc5iaoai CMnh I~ch aanh gia l{Ji tiJi san LQ'inhu~n chlJ'BpMn phc5il(L6 luy k~) LQ'iieh ella cll dong thi~u sO TONGVON CHO Sa HO'U TONG NQ'PHAI TRA vA VON CHO sa HO'U Ki~m soat i>~1k~ Ke toan ; Lfu Giam dOc Ban rai chinh Ngh~ An, Vi~t Nam Ngay d,fi thang ()4 nam 2022 Cac thuyet minh dfnh kern t{J'rnl,lc den 29 la mQt pMn cua cac Mo cao tai chfnh hQ'pnh~t Ngan hang Thuonq mal C6 phan B~c A Bi~u 56: B03a/TCTD-HN sAo cAo K~T QuA HOAT 80NG KINH DOANH HOP NHAT GICrA NI~N 80 cho Quy k~t thuc 31 tMng 03 narn 2022 LOyke tiPafw ky aen Thuyet minh Thu nh~pliii va cac khoanthu nhaptLYO'ng tv tv Chi phi liii va cac khoan chi phi tLYO'ng 20 21 Thu nh~p lai thuan Ouy 112022 tri~u aang Ouy 112021 tri~u aang 3110312022 tri~uaang 31/03/2021 tri~u aang 2.411.362 (1.880.466) 2.378.112 (1.924.931) 2.411.362 (1.880.466) 2.378.112 (1.924.931) 530.896 453.181 530.896 453.181 Thu nhaptCrhoat dong dich VI,J Chi phi hoat dong djch VI,J 22 22 22.984 (6.434) 23.288 (7.598) 22.984 (6.434) 23.288 (7.598) Laif(lo) thuan tiP heat dQng dlch v\I 22 16.550 15.690 16.550 15.690 (9.676) (1.013) (9.676) (1.013) 6.744 31.104 6.744 31.104 2.687 (1.150) 5.168 (976) 2.687 (1.150) 5.168 (976) 1.537 4.192 1.537 4.192 Lai/(lo) thuan tiP hoat dQng kinh doanh ngo\li hbi 23 Lai/(lo) thuan tiP mua ban ch(rng khoan kinh doanh 24 Lai/(lo) thuan tiP mua ban ch(rng khoan dau tU' 24 Thu nhaptCrhoat dong khac Chi phi heat dong khac Uif(lo) thuan tiP hoat dQng khac Thu nh~p tiP gop vbn, mua ell phan TONGTHU NH~P HO~T DQNG 546.051 503.154 546.051 503.154 (157.285) (10.362) (124.992) (140.753) (8.963) (123.591 ) (157.285) (10.362) (124.992) (140.753) (8.963) (123.591) (292.639) (273.307) (292.639) (273.307) LQ'inhupn thuan tiP hO\lt dQng kinh doanh trooc chi phi d phong rui ro tin d\lng 253.412 229.847 253.412 229.847 Chi phi dV ph6ngrui ro tin dl,Jng (16.982) (16.982) 9.435 9.435 Chi phi nhanvieln Chi phi khau hao va khau trCr Chi phi hoat dong khac 25 25 25 TONGCHI PHI HO~TDQNG Hoannh~pdl,J'ph6ng rui ro tin dl,Jng TONG LQ'INHU~N TRU'OCTHU~ 245.865 229.847 245.865 Cac thuyei minh dinh kem tiPm~c den 29 fa m(Jtph§n cua cac bao cao tai chinh hQ'pnhlit 229.847 Ngan hang Thuonq rnai ce phan B~c A Billu s6: B03a/TCTO-HN BAo cAo K~T QuA HOAT 80NG KINH DOANH HOOPNHAT GILrA NI~N 80 (ti~p theo) cho Quy k~t thuc 31 thang 03 narn 2022 LOyk~ tif d~u ky d~n Ouy 112022 Ouy 112021 tri~ud6ng tri~u d6ng (49.249) (46.033) (49.249) (46.033) Chi phi thue TNDN (49.249) (46.033) (49.249) (46.033) LQ'I NHU~N SAU THU': 196.616 183.814 196.616 183.814 Thuy~t minh 18 Chi phi thul! TNDN hii;m hanh Chi phi thue TNDN hoan 19i 3110312022 tri~u d6ng Kj~m soat NglJ'cyjI~p ~~-0 (tiep theo) tal 31 tharng 03 narn 2022 va cho Ouy narn 2022 k€!tthuc cunq 19 VON vA cAc QUY COA TO CHlfC TiN Dl,JNG 19.1 Bao cao tinh hinh thay d6i vc5nchu 50> h{J'u Tinh hinh thay dEliv6n cua Ngan hang tlr d~u narn d€!n h€!tOuy nam 2022 dU'Q'cthll hi~n bang dU'6'iday: Dan vi: tr;~u d6ng 56 dll'd~uky Ouy dl,J'phOng ta; Ouy dl,J'triF b6 _:c:.:_:h:::_in:.: :._h sung van d;{!u I~ V6n Th~ng dll' v6n Ouy dfw til' phat :.: d;-'-{!u_I_,_~ co ,· pc_h_.§_n tr;~n 7.531.355 7.398 215.056 470.634 564 Ouy khac thuQc van cM sa hiFu Tang ky Tang vOn ky LQ'i nhuan tang ky LQ';nhu~n sau thutJ chU'a phan pM;/ L6 tay ktJ T6ng cQng ''' '~ 826.136 9.051.143 196.616 196.616 196.616 196.616 Trich bO sung cac quy cho ky truoc Tarn trich I~p cac quy dl,l' trCrcho ky Cac khoan tang khac Giam kY SLY dl,lng ky Mua cO phi~u quy Chia cO tuc nam trll'cYc T~m ung cO tuc nam Cac khoan giam khac 56 dll'cu6i ky 7.531.355 =~= ;.7.;.;.3;.;;,9.;,8 ~=~~5; ;.6_;.4 == _ _;4,;,.70;; 6.;.;3~4 _= ;;;2.;,,15;; 0; ,;5;_;_6 =_=_== 26 ;, I , _ V IWIi =_=,;.;1.,;;.;02;;;;2;;;,,;.7 ,;;5,;.;.2 =_=.;,.9._2_47;; 7.;,.5;.,;,.9 Ngan hang Thuonq rnai Co phan Bac A Bi6u 56: B05aITCTD·HN THUY~T MINH cAc BAo cAo TAl CHiNH HOOPNHAT GICrA NIE:N£>0(ti~p theo) tal 31 thang 03 nam 2022 va cho Quy nam 2022 k~t thuc cung vA cAc 19 VON QU"YCUA TO CHlfC TiN DI,lNG (ti~p theo) 19.1 Baa eao tinh hinh thay d6i v6n chu sO-hiPu (ti~p theo) Chi ti~t phan vOn dau tU' cua Ngan hang nhu sau: 3110312022 _ TOng vOn g6p (cOdong, vien) V6n g6p c6 ph~n 31112/.2021 tr. 'i~'_u_G_o_n""'_g , :_tr.: : ;i~c ::u: :G:.:o::_:nE!._g 7.531.355 7.531.355 7.531.355 7.531.355 7.398 7.398 Th~ng duovOn cO phan CO phi~u quy ~_~_7;"';',;;,;53; ;;8 ;,,;.7 ;.5 ;.3 7.: : • =.;53:.;:8:.:.;.7:.=5~3 Chi ti~t cO phi~u cua Ngan hang nhu sau: 3110312022 3111212021 c6 phi~u s6 lU'Q'ng c6 phi~u s6 lU'Q'ng c6 phi~u dang ky pMt da ban CO phi~u phOthOng CO phi~u uu dai s6 lU'Q'ng c6 phi~u dwc CO phieu phOthong CO phi~u uu dai hanh cong chung THU NH~P LAI 753.135.500 753.135.500 753.135.500 753.135.500 753.135.500 - ( 753.135.500 753.135.500 753.135.500 753.135.500 10.000 10.000 Cho giai do9n tai chinh k~t thUc Cho giai do~n tai chinh k~t thUc dang Ivu hanh CO phi~u phO thong CO phi~u U'udai 20 753.135.500 mua '9i s6 lU'Q'ng c6 phi~u M~nh gia c6 (dong/c6 phi@u) c6 phi~u = :: L~-=- phi~u vA cAc dang IU'U hanh KHOAN THU NH~P TU'O'NG TI,I' 3110312022 _ Thu nh~p lai ti~n gli'i Thu nh~p lai cho vay kMch hang Thu lai tCJokinh doanh, dflu tU' chling khoan Thu lai tt) chCFng khoan kinh doanh Thu lai tt) chCFng khoan d~u tv Thu phi tCJo nghi~p Vl.lbao lanh Thu khac tCJo hot;lt d¢ng tin dl.lng 27 311031.2021 tn '·~'_u_G_o_n>:: g _::tr,: : ;iflc ::u: :G:.:o::_:nE!._g 16.690 2.090.931 13.264 2.049.930 278.160 292.052 95.437 182.723 100.235 191.817 2.278 23.303 2.215 20.651 2_._41_1_.3_6_2 ;2;:';' : ;37: ;8;.;.,;.1: ;1~2 Ngan hang ThU'O'ng rnai Co phan Bac A Bi6u 56: B05a/TCTD-HN THUY~T MINH cAc BAo cAo TAl CH[NH HOP NHAT GICrA NII~N £>0 (ti~p theo) tal 31 thang 03 narn 2022 va cho Quy narn 2022 k~t thuc cung 21 CHI PHI LAI KHOAN CHI PHI TU'O'NG TV' Cho giai do~n tai chinh k~t tnuc Cho giai do~n tei chinh k~t thuc 3110312022 3110312021 tri~u dang tri~u dang 1.787.126 1.809.973 70.028 23.312 94.293 20.665 1.880.466 1.924.931 Cho giai do~n tai chinh k~t tnuc Cho giai do~n tai chinh k~t tMc 3110312022 3110312021 tri~u dang tri~u dang 22.984 7.372 257 9.295 183 5.877 23.288 6.754 230 9.508 1.756 5.040 Chi phi hoat dQng djch vI;! (6.434) (7.598) Ho~t d¢ng toan BU'udi$n, vi~n thong Ho~t d¢ng ngan quy Dich Vl,l uy thac va d~i Iy Dich Vl,l tU' v~n Dich Vl,l khac (2.456) (2.782) (825) (1.659) (1.269) (225) (623) (1.599) (1.907) (687) 16.550 15.690 Tra Tra Tra Chi 22 vA cAc lai ti~n glii lai ti~n vay lai phat hanh gi~y to' c6 gia phi heat d¢ng tin dl,mg khac LAI/(LO) THUAN TO' HO~T £lONG D!CH VI,I Thu nh~p t(P hoat dQng dlch VI;! Ho~td¢ngthanhtoan Hoat d¢ng ngan quy Djch VI;! uy thac va d~i Iy Djch VI;! tU' v~n Djch vu khac Uii/(Lo) thu~n t(P ho~t dQng dich VI;! 28 j , '" ~ ' \, ~ ".\ ~ Ngan hang Thuonq mal Co phan Sac A Bi6u 56: B05a/TCTD·HN THUY~T MINH cAc BAo cAo TAl CHiNH HOP NHAT GIO'A NI~N £)0 (ti~p theo) tai 31 thang 03 narn 2022 va cho Quy narn 2022 k~t thuc cung 23 LAI/(LO) THUAN TO' HO~T £lQNG KINH DOANH NGO~I HOI Cho giai do;;m tsi chinh k~t tnuc Cho giai do~n tai ehinh k~t thuc 3110312022 3110312021 tri~u d(Jng :;_;_~: ::: : :~ tri~u d(Jng Thu nh~p tl» hoat dQng kinh doanh ngo;;!i h6i Thu tCJ> kinh doanh ngo cac cong CI,J tal chinh phai sinh ti~n t~ 23.354 6.737 23.354 6.737 Chi phi hoat dQng kinh doanh ngo;;!i h6i (33.030) (7.750) Chi v~ kinh doanh ngo mua ban chlmg khoan dau tU' Chi phi v~ mua ban chung khoan dau tU' (Chi phl)/Hoan nh~p dl,J'ph6ng giam gia chung khoan dau tU' Lai/Lo thuan tl» mua ban chli'ng khoan dau tlJ' 29 16.707 (9.963) 25.746 (267) 5.625 ~= 6.; 7_44= ~~_31.:.; 1.;,.0; ;.4 Ngan hang Thuonq mal Co phan Bac A Bi~u s6: B05aITCTD·HN THUY~T MINH cAc sAo CAD TAl CHiNH HOP NHAT GICrA NII~N £)0 (ti~p theo) tal 31 thang 03 nam 2022 va cho Quy narn 2022 k~t thuc cung 25 CHI PHI HO~T £lONG Chi nQp thu~ va cac khoan phi, I~ phi Chi phi cho nhan vien Chi lU'ang va phu c~p Cac khoan chi 06ng g6p theo lU'ang Chi tro cap Chi khac cho nhan vien Chi v6 tili san Trang d6: Kh~u hao tiJi san e6 djnh Chi cho hoat oQng quan Iy cong vl,l Cong tac phi Chi v~ cac heat oQng dean thll cLla TCTD Chi nQp phi bao hi~m, bao toan tien gu.i cua khach himg Cho giai dot;ln tiJi ehinh k~t tnuc ngiJy Cho giai dot;ln tai ehinh k~t tnac 3110312022 3110312021 tri~u dang tri~u dang 1.282 1.047 157.285 140.753 124.275 18.285 956 13.769 111.968 15.709 479 12.597 43.113 45.843 10.362 8.963 948 1.442 850 1.363 98 79 33.265 31.269 / ~ ~ Chi phi dl,l' phong giam gia dau tlP dai hiiln Chi phi hoat dQng khac 26 TI~N vA cAc 56.746 52.953 292.639 273.307 KHOAN TU'O'NG £lU'O'NG TI~N Ti~n va cac khoan tU'ang oU'ang ti~n thu~n thll hi~n tren bao cao lU'u chuylln ti~n t~ hQ'p nh~t giCPanien oQ bao gbm cac khoan tren bang can dOi k~ toan hQ'pnh~t giCPanh~ndQ sau oay: Ti~n va cac khoan tU'ang oU'ang ti~n t~i quy Ti~n gui t~i Ngan hang Nha nU'0 (ti~p theo) tai 31 thanq 03 narn 2022 va cho Quy narn 2022 k~t thuc cung 28 RUI RO THI TRU'ONG (ti~p theo) 28.2 RiJi ro ti~n t~ (ti~p theo) Phan loai tai san va cong no theo loai ti€!nt~ oa duoc quy ooi sang VND vao 31 thang 03 nam 2022 nhu' sau: Dan Cec ngo~i t~ khac USD dU'Q'cquy d6i dU'Q'cquy d6i = -'-~- EUR dU'Q'cquy d6i Taisan Tien mat, vang bac, da quy Tien gtri tai NHNN Tien gtri va cho vay cac TCTD khac (*) Ch(rng khoan kinh doanh (*) Cho vay khach hang (*) Ch(rng khoan dau tu (*) Gop vbn, dau tu dal han (*) Tal san cb dinh va bat d¢ng san dau tu Cac tal san Co khac (*) 31.784 13.269 1.047.406 8.399 6.175 _ T6ng tai san NQ'phal tra va von chu sa hfru Ti€!ngtri, vay tll' NHNN va cac TCTD khac Tien gtri ciia khach hang Cac cong Cl,J tai chinh phai sinh va cac khoan nQ'tai chinh khac (*) Vbn nh~n tai trQ', iiy thac oau tU', cho vay ma TCTD chiu riii ro Phat hanh giay terco gia Cac khoan nQ'khac Vbn va cac quy 1_.2_9_1 1: :4.: :.5: :.7: :.4 1.173.132 479.018 103.942 5.544 d6ng T6ng c(>ng ~-= -'='- 353.295 40.183 13.269 1.406.876 79.382 79.382 _ vi: trteu 4_1_2 3_5_3_.7_0_7 11 1_.7_0_3 -=1 : 5: :4: :.1: ;.4: :.1 : 479.018 109.497 1.969.605 1.969.605 1.513 22 1.543 T6ng nQ'phai tra va van chu sa hfru 5.552 2.554.078 33 2.559.663 Tr~ng thai ti~n t~ nQibang 9.022 (1.380.946) 353.674 (1.018.250) 1.007.755 85.150 1.092.905 (373.191) 438.824 74.655 Tr~ng thai ti~n t~ ngo~i bang 9.022 Tr~ng thai ti~n t~ nQi,ngo~i bang (*): khOng bao g6m dl,l' phOng rui ro 35 _ , ~~' Ngan hang Thuonq mal ell phan B~c A BiAu 56: B05aJTCTD-HN THUY~T MINH cAc sAo cAo TAl CH!NH HOOPNHAT GIO'A NI~N £)0 (ti~p theo) tal 31 thanq 03 narn 2022 va cho Quy narn 2022 k~t thuc cung 28 ROI RO THI TRU'CYNG(ti~p theo) 28.3 Reiiro khoan Rui ro khoan la rui ro Ngan hang g~p kh6 khan vi¢c thuc hi¢n nhQ>ngnghTavu cho cac cong nc tal chinh Rui ro khoan phat sinh Ngan hang c6 th~ khOng du kha nang thuc hi¢n nghia vu tra nc nhQ>ngcong no d~n han nhQ>ngthai di~m blnh thU'ang hoac kh6 khan £)~ giam thi~u rui ro khoan, Ngan hang phai huy dQng tll' nhieu nguOn da d~ng khac nqoai nguOn v6n cooban cua Ngan hang £)Ongthai, Ngan hang c~n co chinh sach quan Iy tai san c6 tinh khoan linh heat, theo doi dong ti~n tU'O'nglai va tinh khoan hang Ngan hang cOng c~n danh gia dong ti~n dl,l' ki~n va kha nang san c6 cua tai san dam bao hi¢n t~i trU'ang hO'pc~n huy dQng them nguOn v6n a Thai gian dao h~n cua cac tai san va cong nO'th~ hi¢n thai gian I~i cua tai san va cong nO'tinh tll' I~p bao cao tai chinh d~n toan theo quy djnh hO'pdOng ho~c di~u khoan phat hanh Cac gia djnh va di~u ki¢n sau dU'O'cap dl,lng phan tich thai gian d~n h~n cua cac tai san va cong nO'cua Ngan hang: Ti~n gLPit~i Ngan hang Nha nU'6c Vi¢t Nam dU'O'cx~p lo~i ti~n gLPithanh toan, d6 bao gOm ti~n gLPidl,l' trQ>bat buQc s6 dU' cua ti~n gLPidl,l' trQ>bat bUQCphl,l thuQc vao phan va ky h9n cua cac khoan ti~n gLPikhach hang cua Ngan hang; Thai gian dao h9n cua ch(J'ng khoan d~u tU' dU'O'ctinh dl,l'a tren dao h~n cua tCmg 109ich(J'ngkhoan; Ch(J'ngkhoan kinh doanh dU'O'cx~p vao lo~i ky h~n d~n thang; Thai gian d~n h9n cua cac khoan ti~n gLPiva cho yay cac TCTD va cac khoan cho yay khach hang dU'O'cxac djnh dl,l'a vao d~n h~n cua hO'p dOng quy djnh Thai gian d~n h~n thl,l'c t~ c6 th~ thay dOi cac kh~ U'6c cho yay dU'O'cgia h~n Ngoai ra, cac khoan cho vay khach hang dU'O'cth~ hi¢n bang gia trj g6c khong bao gOm dl,l' phong rui ro; Thai gian d~n h~n cua cac khoan d~u tU' g6p v6n mua cO phan dU'O'ccoi la hO'n mQt nam cac khoan d~u tU' khong c6 thai gian dao h~n xac djnh; Cac khoan ti~n gLPi,ti~n vay cua cac to ch(J'ctin dl,lng va cac khoan ti~n gLPicua khach hang dU'O'cxac djnh dl,l'a vao tinh chat cua cac khoan ho~c thai gian dao h~n tren hO'p dOng Tai khoan Vostro va ti~n gLPithanh toan dU'O'cthl,l'c hi¢n giao djch theo yeu c~u cua khach hang va d6 dU'O'cx~p lo~i khong ky h9n Thai gian dao h~n d6i v6i cac khoan yay va ti~n gLPiky h9n dU'O'Cxac djnh dl,l'a tren d~n h~n theo hO'pdOng Trong thl,l'c t~, cac khoan c6 th~ dU'O'cquay vong va d6 tri thai gian dai hO'nthai gian dao h~n ban dau; Thai gian d~n h~n cua tai san c6 djnh dU'O'cxac djnh dl,l'a vao thai gian SLPdl,lng hQ>u ich 19icua tai san 36 Ngfm hang Thuonq mal Co phan Bc'icA Bi~u s6: B05aJTCTO-HN THUY~T MINH cAc BAa cAo TAl CHINH HOP NHAT GICrA NI~N 80 (tlep theo) tal 31 thang 03 narn 2022 va cho Quy narn 2022 k~t thuc cung 28 RUI RO TH! TRU'ONG (ti~p theo) 28.3 Rui ro khoim (ti~p theo) Don vi: tri~u d6ng Quah?n Den (hang Tren (hang Taisan Ti~n mat vang bac, da quy Ti~n gui tai NHNN Ti~n gui va eho vay cac TCTD khac (*) Chung khoan kinh doanh (*) Cac eong el,ltai ehinh phai sinh va cac tai san tal ehinh khac Cho vay khach Mng (*) Chung khoan aau tu (*) G6p vOn,dau tLl'dai han (*) Tal san cOdinh va bat dQngsan dau tLl' Tai san C6 khac (*) T6ng tai san Den (hang Til' 1- (hang 644.742 599.843 4.927.380 1.014.701 329.012 329.012 493.518 493.518 NQ'phai tra Ti~n gui, vay tCYNHNNva cac TCTD khac Ti~n gui cua khach Mng Cac eong el,l tai chinh phai sinh va cae khoan eong nQ'tai ehinh khae VOn nh~n tai trQ',uy thae dau tLl',eho vay rna TCTD chiu rui ro Phat Mnh giay tcyc6 gia Caekhoan nQ'khae T6ng nQ'phai tra MlI'c chenh khoan rong Trong 329.012 493.518 nen Til' - 12tMng Til' 1- nam Tren 5nam T6ngc(lng 644.742 599.843 8.526.146 7.209.778 1.000.000 2.010.425 197.792 3.877.657 1.101.885 306.995 1.299.089 11.451 12.071.930 136.500 11.239.384 17.493.504 1.499.863 31.818.544 6.292.004 162.845 205.687 13.533.652 2.250.853 308.374 1.233.499 1.541.874 19.714.921 15.483.308 24.610.690 39.887.960 17.658.431 118.177.840 3.903.170 12.837.926 1.000.207 11.987.994 3.461 23.675.230 80.007 30.354.100 16.176.167 4.986.845 95.031.417 900.000 283.683 3.671 5.219.549 2.588.627 574.837 11.451 86.979.544 10.179.220 162.845 780.524 3.083.747 19.549 246.024 221.630 233.869 3.671 4.300.000 1.603.421 17.006.669 13.209.831 23.912.560 36.341.199 17.359.850 107.830.109 2.708.252 2.273.477 698.130 3.546.761 298.581 10.347.731 (*): KhOng bao gam dl,l'phOng rlii ro 37 1/,",,1 _ 1'""\ :::t ~ \ -'_\\ Ngan hang Thuonq mal Co phan Sac A Bi~u s6: BOSaJTClD·HN THUY~T MINH cAc sAo cAo TAl cHiNH HOP NHATGICYANI~N £)0 (ti~ptheo) t~i 31 thang 03 nam 2022 va cho Ouy narn2022 k~t thuc cung 29 cAc SI,J' KleN SAU NGAy L~P BANGCAND61K~ loAN Kh6ng co SI,I' ki~n quan trQngnao xay kl! tCrngay I~p bang can aOik~ toan yeu cau phai co cac ai~u chinh hoacthuyet minhtrong cac bao cao tai chinh hop nhat giCfanlen a9 NgU'Cl'i I~p Ki~msoat maoc PHO TONG GIAM [fe uf9fJc ~ Ngh~An, Vi~t Nam Ngay1fthang o.4nam2022 38 DOC uflujt