Báo cáo tài chính ngân hàng thương mại cổ phần bưu điện liên việt 1596603883

NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN BƯU ĐIỆN LIÊN VIỆT CONG HOA xA HOI CHU NGHiA VIJ;:TNAM DOC L~P - TV DO - H~NH PHUC ** *._- Digitally signed by NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN BƯU ĐIỆN LIÊN VIỆT DN: C=VN, S=HÀ NỘI, L=TP HÀ NỘI, CN=NGÂN HÀNG THƯƠNG MẠI CỔ PHẦN BƯU ĐIỆN LIÊN VIỆT, OID.0.9.2342.19200300.100.1.1=MST: 6300048638 Reason: I am the author of this document Location: Date: 2019-04-19 19:03:37 Foxit Reader Version: 9.0.1 LlenVletPostBank NGAN HANG Bl1U OlEN LIEN vET I , , , • , BAO CAO TAl CHINH NGAN HANG BUU BIEN LIEN VIET QuY I NAM 2019 Ha nQi, thang 04 nam 2019 Mlu sA: B02affCTD (Ban hanh theo 'IT s6 4912014!ITNHNN 31/1212014) NGAN HANG TMCP BUU meN LItN VIeT Toa Dhi Capital Tower, 109 TrlD Hwg e,o, Phuang Cn Nllm, QU,D Hoin Ki~m, TP Ha N9i sa BANG CAN e61 Kt ToAN GlO'ANItN Tv,ingay 31 tltang 03 nlm 2019 eo Dan vj tlnh: tri~uVND STT cat rrtu TAl sAN TiAn mtt, vlng b,e, cIa quy I II Ti~n gUi ttl NHNN III Ti~D gUi vi eho yay cae TCTD khae TiSn girl tfi cac TCID khac Cho vay cac TCTD khae 011 phOng nli ro IV CbUng khoAn kinh doanh ChUng khoan kinh doanh Oil phlmg nii ro chling khoan kinh doanh Cae dng ey tii eb(nh pbal sinh vi de til sin V tii eh(nh khae VI Cho vay khaeb bang Cho yay khach hang Oil phOng nii ro eho vay khach hang VII Ho,t 40ng mua n9' MuanQ' Oil phong nli ro hoat dQngmua nq VII ChUng khoan alu til' Cheng lchoan dAutu sin sang de ban ChUng lchoan dAunr gin dan dao h~ Oil phOng nii ro chUng khoan dAutu VIII Gop v6n, du til' dil h,n DAutu VaGrong ty VAng6p liSn doanh BAu tu VBorong ty lien kit BAu tu dai hvn lchac O\( phong giam gia dAu tu dai h~ IX Tli sin e6 dlnh Tai san ~ djnh hnu hlnh a Nguyen gil TSCD b HaomonTSCD Tai san ~ dinh va hlnh a Nguyen giBTSCD HaomonTSCD b XI Til sin cO khlie Cae khoAnpbii thu Cae khoAnlAi,phi phai thu Tai san thu! TNON hom I~i Tai san c6 lchac Trong i/o: L¢ Ihllhuang m{li Cae khom dll phong nii ro eho cae tli san C6 n~i bing khae T6NG TAl sAN c6 Tbuyit minh 3110312019 181.900.548 A 1.199.100 5.869.801 6.379.748 5.229.748 1.154.634 (4.634) 278.400 278.400 3111212018 175.094.532 1.663.726 6.155.784 5.108.151 4.208.151 904.634 (4.634) 88.643 65.547 122.186.551 123.757.543 (1.570.992) 117.710.461 119.193.424 (1.482.962) ~ 36.098.665 35.650.415 1.175.212 (726.962) 314.731 35.665.848 35.180.371 1.175.212 (689.735) 314.731 324.731 324.731 1.442.523 970.103 1.945.021 (974.918) 472.420 579.275 (106.855) 7.032.285 2.761.057 3.598.940 1.461.119 985.638 1.913.835 (928.197) 476.581 577.220 (100.639) 6.838.064 2.301.735 3.805.901 672.288 155.962 730.428 173.038 181.900.548 175.094.532 !.( o ~ NGAN HANG TMCP BUll DlE:N LItN ~T Tl»a Dhl Capital Tower sA 109 TrAn Hunl DfO Phuitng Ctia Nam Qutn HoAn Kl~m TP HA N~I STT B I II III IV V VI VII VIII a b c IX Mlu sA: B01affCTD (Ban hanh theo IT sA 49120 14/IT· NHNN 3111212014) BANG CAN D6I Kt ToAN GIirA NIEN DQ (Tl~p theo) Tai 31 thing 03 nam 2019 Don vi tlnh: tri~u VND Thuyit 31/1212018 31/0311019 CHITItu minh 175.094.532 181.900.548 Ne} PHAI TRA VA V6N Hffu 7.345.046 2.602.140 Cae: khoin Df ChfDh phu vl NHNN 16.440.956 11.091.525 10 TI~D glii vl vay de: TCTD 12.048.343 15.450.860 Ti~n gUi cUa cac TCTD khac 4.392.613 5.640.665 Yay cac TCTD khac 114.948.075 125.843.171 11 Ti~n gUi eua kh'e:h hlng Cae: eODge:¥ tAl ehfoh phil sinh vA e:4e:khoiD nil tAl e:hfnh khae: V6n tAl tlV uy thlle: dAu til' e:ho vay TCTD 1.161.500 1.160.000 e:hiu nil ro 10.119.764 14.887.144 Ph't hlnh giAy e6 gii 11 4.878.299 Cae: khoin Of khac: 4.698.936 3.737.383 4.066.959 Cae khoan Il~ phl pluli tni Thue TNDN holln Iv.iphai tni 811.340 961.553 Cae khoan phti tni va c6ng nq khae 01,1' phong nli ro We 164.893.640 170.281.916 T6NG Ne} PHAI TRA 10.200.892 14 11.617.632 VAn chu So' hChi 7.563.325 8.944.772 VAncUaTCTD 7.499.994 8.881.441 VAneti~u I~ 63.331 63.331 Thtng du vAn phAn VOnkhae 1.205.138 1.205.138 QuS'cua TCTD Chenh Ie LOy U tir di aim t~DeuAi quy Tir Dlly Tir Dgay Pb't slnb troDg qat Tir agly Tir Dglly 0110111019d'D 0110111018d4D ncb 3110311019 ncb 3110311018 0110111019d'n 0110111018di_ ncb 3110311019 agly3110311018 (101.165) (89.988) (101.165) (89.988) XII Cbl pbl tbu TNDN (101.165) (89.988) (101.165) (89.988) XID Lvi Dbutn sa thu' 410.268 417.391 410.268 417.391 XN LqI feb cia c6 taDg tbiiu XV Lli ee bin tlin 544 557 S44 557 Lip biDg (Ky, hQt8n) s4 ripbliu Ki toan truc\'Dg (Ky hQ tan) s Mlu 54: B04atrCTD (Ban hAnhthea IT 56 4912014fIT-NHNN 31112120(4) NGAN lIANG TMCP BU'U BltN LltN ~T Tila nhi Capital Tower, 56 109 Trin HllIIg D,o, Ph,"",g Clia Nam Qu,n Holn Kllm, TP Hi NOt BAO CAO LU'U CHUV£N TJtN Te GIfI' A NltN (TheDplunmg phdp trvc tilp) eo Tv 01/0111019 dn nlay 31/0311019 Dan Thuy~t minh CHiTltU STT Luu c:huy~o tiAn tv ho,t 40ng kinh doanh Thu nhfp Iii vi de lchoin thu n~p wang tv nhto duqc Chi phi Iii va chi phi wang tv ttl tri cae (.) Thu nhfp rong til hOft d~ng dich V\l nhtn duvc: Chenh lech 56 ti~n thl,fC thulth\lc chi tir hoat d¢ng kinh doanh (ngofi te,ving b,c,chwg khoan) Thu~kMc Tien thu cAe khoan nq ttl duqc xu Iy x6a, M dip bing nguAn nii ro Ti~n chi tri cho nhin vibi va hoft d¢ng quAn lY.cang V\l (.) Tiln thu~ thu niltp th\lC n~p leY (.) LInI chllyl" tU" thuA" tit "o(lt 49"6 kin" doa,," trlde ",,/hIg thay 441Vi till sa" va vA" IIl'Uq"g 10 11 12 13 14 NhChlg tbay 4AI vI til sin bo,t 400g (Tilng)/Giam de lchoin vang va cho vay cae TCrn khae (Tilng)/Giim cae lchoin kinh doanh chwgkhoan (Tilng)/Giim dc cling C\l tii ch(nh ph!i sinh va de tii tii ch(nh khac (Tilng)/Giam cae lchoin cho vay lchaeh hang Giam nguAn d\l phong dA bUdip tAn thAt dc khoin (Tlng)/Giim khac ve tii hOft d¢ng tien va san san Nh/hlg thay 441vi c8"g IS 16 17 II' hDptiI~"g Tlngl(Giim) cae khoan nq ehinh phil va NHNN Tlngl(Giim) de khoin tien giri, tiAnvay deTCID Tlng/~iim) tiAn gUi eua khaeh hang (bao g m KBNN) ca vi tinh: trieu VND Tv 01/0111019 4~n ogay 311031l019 Tv ngly 011011l018 4~D ngly 31/0311018 3.965.785 2.987.133 (2.675.056) (1.690.954) 36.822 8.841 7.617 84.653 (116.021) (119.107) 20.690 (752.752) (623.119) (76.203) (93.008) 410.882 869.l90 (5.884.676) (13.303.651) (250.000) (609.972) (748.444) (4.875.930) (23.097) (41.6S7) (4.564.119) {7.51S.920) (24) (22.394) (298.992) (442.104) 5.672.427 5.671.746 (4.742.905) 993.209 4.650.569 (10.825.251) 895.096 16.073.933 ~ - lA Ie lit V - 18 Tlng/(Giim) phil hinh GTCG (ngofi trir GTCG phil hAnh 4uve tfnh vao hoft 4¢ng tii ehlnh) 4.767.380 (S.650) 19 Tlngl(Giim) v6n tii trq uy th!c dAu til cho vay rna TCTD chju nii fO (1.500) 1.650 NGAN HANG TMCP BOO tnt;N LIEN VIeT TOa nba Capital Tower, sA 109 Trio HIlIIKD,o, Pbuirng Clia Nam, Quln HOaDKlim, TP Ha NOI BAO CAO i.tru CHUYtN TItN Te GrUA NlEN DQ(flip tbeo) (Th~ophU'tlngphdp trve tllp) Til 0110111019"in 3110312019 Dan vi tinh: tri~uVND Tir 0110112018 Thuyit Til ogay 01/0112019 CIDTIEU 31/0311018 minb "in ogay 3110312019 SIT 20 21 22 I II Mlu s6: B04arrCm (Ban hanh theo TT 56 4912014fIT-NHNN 31/1212014) Tlng/(Giam) cac c()ng e\1 ill chfnh phai sinh va cac khoan nQ tai ehinh khae Tlng/(Giam) khAc va cOng nQ hoar dOng Chi tli qu9 clia TCTD (.) Luu chuyin tl~n tbulo tir bo,t "Ong kinbdoaob LIrU chllyln ti}n tU- hO{l14(Jng41mIIr Mua sAm TSCD (') Tieo thu tli ly, nhuQng ban TSCD Tien chi til Iy, nhuong ban TSCD (') Mua sAm BAtdOng san dAutu (.) Tien thu til b6n,thanh ly bAt dOng san dutu TiAn chi blin,thanh ly bAt dOng san du tu(') TiAn chi d4u nr, gop vAn vao cae dan vi khAc: (Chi d!u tu rnua c()ng ty con, gop vAn lien doanh, lien ket, va cac khoan ddu tu dai hQJlkh6c) (') TiAn thu du tu, gop vAn vao cae dan vi kMc (Thu ban, ly c()ng ty con, gop vAn lien doanh, lien kAt, cae khoan dAu tu dai hQJlkhlic) TiAn thu cO t(rc vi lQi nhl$ d~e chia tli cae dAu tu, gop vAn dai hQJl Luu ebuyin tlADtbuln tir bo,t "Ong41u til LJrU chllyin Ii}" tU- hO{lt4(Jngtal chl"h Tlng van cA phin til gop van va! ho~ phat banh cA phieu TiAn thu tli phlit hAnh GTCG c6 dll diAu kiert t{nh vao vAn l\f c6 va cae khoan vAn vay dai hQJlkhk Ti~n chi toan GTCG co dli diAu kiert tfnh vAn l\f co vi ck khoan vAn vay dai hQJlkhAc(.) t(rc tra eho cA dang, lqi nh$ dI chia 104.047 (260) (565.595) (550) (198.633) (7.181.791) (33.241) 894 (26.388) (1.669) Ie )1 ~ A E (34.016) (26.381) 1.006.472 1.039.994 co (1.033.597) (') TiAn chi rnua ~ phi~u qu9 (') Tien thu dUQcdo ban cA phieu qu)' III Luu ehuyi tiiD tbulo tv bo,t "ODItal chlob IV Luu c:huyin til thulo troog Icy 1.006.472 6.397 1.171.089 (7.301.776) NGAN HANG TMCP Bu'U DltN LltN VItT Toa obl Capital Tower, s4 109 Trln HlI'Dg9,0, PhlM'ng Clia Nam, Qut HoAn Kllm TP H1 NOI BAo cAo Mlu sA: B04arrCTD (Ban hAnhtheo IT sA 4912014m·NHNN 31/1212014) LlfU CHUYEN TIEN Tt GI(J'A NltN DQ (T1~p theo) (Th~oplurtmg phdp tf'(I'C tilp) Tit ncly 0110111019din ncay 3110311019 Dan vi tfnh: trieu VNf) cat neu STT V VI VII Tbuy4t Minh TI~nvi de khoin tvcmg duang tl~n"I tbin dl~m dlukY 91111chiob inb huang cua thay dal tt CIA Tiln va cae khoia tUO'O& dUO'llCtUn ttl thM dlim cu'l kY Til' ngly 0110111019 din 3110311019 Til' 01/0111018 din ngly 31/0312018 12.117.661 22.754.923 13.298.750 15.453.147 Ltp bing (Ky hQt!n) ~ • NGAN HANG TMCP BU'U meN LltN VIeT lA Nguyln Thl Minh Khat PhWnI Da Kao, QUID 1, TP HA ChI Minh sa: Mlu BOSaffCTD (Ban hanh theo TI s6 4912014nT-NHNN 31/1212014) THUYET MINH BAo cAo TAl CHiNH CHQN LQC Quy I nAm 2019 D~C DIEM HO~TDONG CUATCTD a) GlAy pbep thAnb Ifp vA ho,t dOng,thlri h,n c6 gi' trj Oi!y ph~p Ngin bing sA 91/0P-NHNN 28 thang nim 2008 Gi!y phep boat d~ng Ngb bang NgAn bing NhA nuac Vi~ Narn dp vi c6 thai han 99 nim tir dp NgAn hang Thuong m\li cO phAn BIN dien Licn Viet (NgAn hAng) Il ngAo hang thU'allg m~i cO phAn du9C thllnh lW ~i nuac C~ng hOa XII h~i Chu nghia Vi~t Narn vOi h~t d~ng chfnh la cung dp ck dich V\l ngAo hang va ck dich V\l tli chinh c6 lien quan a Vi~t Narn theo Oily phCp hoat d¢ng sA 91/GP-NHNN 18 thang 03 nim 2008, ThOng dAc NgAn hang Nhlnuac Vi~Nam (NHNNVN) dp vOi thai h\ln ho,t d~ng ta 99 n!ln, Quyet dinh 56 1633/QE>-NHNN 22 thang 07 nim 2011 v~ vi~ dOi ten NgAll hAng.Quy@tdjnh 1663/Ql)-NHNN vAvi~ trulg vOn 4i!u 1¢ cUa NgAn hAng Thco COng vAn 244nTg-DMDN 21 thang nAm 2011, Thil tuoog Chinh phu Vi~ Narn dIl phS duyet viec TAng Cong ty Buu dien Viet Narn ("VNPost") tham gia g6p van via NgAn bing Thllang Illfi c6 pbAn Lien Viet bAng gi! tri cUa COng ty Dich V\l Tiet kiem BIN di~ ("VPSC'1 vA vAn g6p them bAngtian T~ ngAy thang nim 20 II VNPost 41 hoan thAnh vi~ chuy&t giao gi! tri tli san va cang DC1cUa VPSC cho Ngan hing Ngan hing dIl nI$t ctllC1c ph! duy~ clia NHNNVN chinh thlic ct6i ten th8nh NgAn hang Thllang Mfic6 pbln BIN di~n Lien Viet vao 22 thang nim 2011 Ngay 11 th8ng 07 nim 2017, Ngan bing etAetll9c Ngan hang Nhl nuac chAp thutn vA vi~ tAng vAn cti~u Ie tfi COng vAn sA S408INHNN- TTGSNH Ngay 28 thang 02 nIl.m 2018, vAn di~u Ie cUaNgtn hang ~t 7.500 cy Thang 03 nim 2019 NgAllbAngthl,lC hien pUt hllnh thSm cA phi@uthOng qua hlnh th(rc tra cA tUc cho cA dang hien bQu vAphat hanh them cA phi@ura cOng chUng Theo d6, v6n diAu Ie cua Ngan hing tAng l~n thinh 8.881 cy b) Thanh pbAn HOI ctAnCQuin tri ke sa - 6ng Nguy~ E>lnhThing - Ong Plupn Dolln San CM tjch H¢i 4ang quADtri PM CM tich thllOng trvc H~i ctAngquADtrj - Ong Dilang C~ng ToAn tri Ph6 chu tich H~i dang quan tri (86 nhiem - 6ng U Hang Phong 0110412019) Thanh viSn H~j d6ng quADtri - Ba Chu Thi Lan Hilang ThAnh viSn H~i d6ng quADtri • Ong HuYnh NgQc Huy ThAnh viSn H~i dang quin tri - B! Dilong Hoii LiSn Thanh viSn HOi dAng quADtri d~c I~ • Ong Nguy~n E>1i'cCir Ph6 CM tich H~i dAng quan NGAN HANG TMCP BUll DleN LltN VItT Tila ahA Capital Tower, sA 109 Trla Hung BfO, Phuimg CVa NaRl, Quta Hoan Ki~m, TP H1 NOi Miu s~:B05alfCTD THUYET MINH BAo cAo TAl CHINH (fl~p theo) 11 TIEN Girl CVA KRACH HANG Thuy~t miDb tbeo 10,1 tlin gUi: trifu VNB 3111212018 trifu VNB Ti1n, ving gUi khaug 14.131.115 22.719.344 TiSn girl kMng 12.972.049 21.294.239 1.159.066 1.425.105 111.516.746 101.937.653 110.685.246 101.140.910 831.500 796.743 1.111 16.159 193.199 174.919 115.843.171 114.948.075 3110311019 ky h,n leY han bing VNO TiSn girl kMng leY han bing vsng, ngo\li ~ T~n, vang gUi c6 kY h,n TiSn gUi c6 IcY ~ bAng VNO TiSn girl c6 IcY han bAng vang va ngo\li ~ T~n gUi vAn chuyen di.lng TUn aUi Icy qu' TAng \ ) Tbuyit mlnb theo etAituvng khacb hang, Io,i hlnh doub nghifp: -c 3110311019 trifu VND 31/1112018 trifuVND Tien gUi cua TCKT 40.906.254 48.917.257 Tien girl cua ca nhAn 84.936.917 76.030.818 125.843.171 114.948.075 ) ! 'I Tien gUi clla KBNN Tien girl Clla doc dAi tuqng kMc TAng 11 cAc KHoAN NQ KHAc Cae khoan phai tri nQi bQ Cae khOBnl!i, ph( phii tri ban ngoai 3110312019 31/1212018 trifu VND trifu VND 78.387 3.801 4.558.671 4.812.359 61.878 62.139 4.698.936 4.878.299 011 pMng nii ro kh4c: 011 phOng dAi v6i c4c cam kat dua 011 phong cho cac dich V\l to4n 01,1'phong nii ro kh4c Qu5' khen thucmg, ph6c (vi TAng 31 NGAN HANG TMCP BUlJDI~N LItN VI~T Toa DbACapital Tower, Holln KJ~m,TP HANOt sa 109 Trin Hung D,o, PhU'angem Nam Quin 31/0311018 rmrver MINH BAo cAo TAl cHiNH (flip tbeo) 13 TiNH HiNH THt!C HI~N VOl NSNNVA TRUt THU NH~P ROAN L';'I Tlob bloh tbye hitn ngbla vv vOiNSNN Cbltieu Thu6GTGT Thu6tieu thy 4c bi~t Thu6TNDN Thu6 xu4t nhtp 01/0111019 tri~uVND PhAtsinh tronl k~ S6dl nt2 2bil D22 trieu VND tritu VND sa 31/0312019 trlfu VND 3.191 8.865 7.823 4.233 77.038 101.165 76.203 102.000 21.117 47.356 52.854 15.619 r.ut Llli khAu Thu6 sir dyng vAn NSNN Thu~tAi nguyen Thu6nhldit Ti~nthu~dit Cac lofi thu~khtc Ctc kholn phi l~ phi va cae kholn phii nOp khtc T6ngeQng 101.346 158.497 137.991 121.852 Tbu' thu nbJp bolD Ifi Ngio hing khang phMsinh cae khoan thua thu nh~phoan 1~ 32 ~ NGAN HANG TMCP aim BieN LltN VIeT TOa nhil Capital Tower, sA 109 Trin HIIDI B,o, Ph rong Cn TDUVtT 14 MINH BAo cAo V6N CHU MAu sa: BOSalfCTD Nam, Quin Hoiln Ki~m, TP D NQi TAl CHiNO (I'~p theo) sO HU'u B'o e'o tinb blnh tbay d61 vAn ehu se; hlhl If dU'v6n e6 phln Ifeh-l giA i do'i Qu, dAu til ph" t~D Trifu VND Trifu VND Trieu VND Trifu VND Trifu VND Qu,-:X tret sung vAn d~u~ Trieu VND 3.793 787.089 414.156 V6ngt VAnd' u sA dU'dAu kt Ting tronl kY + Tang vAn Icy 7.499.994 Thtna 63.331 Cbfnb Qu, d'l ph6ng till ehfnh 1.381.447 lu!ki TrifuVNB + Sir d\lflg Icy + Chia c/, tOe icy OIly 8.881.441 Lqi feh elia c6 d6n, T6ngeQng th~uso Trifu VND Trifu VND 1.432.419 10.100.892 410.168 1.791.715 1.381.447 kY sA dll cuAI kt Triju VND Lqinhuin sau tbu6 CbU'at.,hin ph IIlJ 1381.447 + Lqi nhufn tAng Icy Giim Quj khAe thuOe vA ehi So' hfhl 63.331 3.793 787.089 414.256 410.268 410.268 (374.975) (374.975) (374.975) (374.975) 1.467.722 11.617.632 33 // ·~U •./)" vrer NGAN HANG TMCP BUlJ DltN LItN To Dh~ Capital Tower, sA 109 TrAo Hung 0,0, Phuftng Cn QUiD Bob Kiim, TP Ba NOI THUVtT 14 MINH BAO V6N CHU cAo Miu s6: B05atrCTD Nam, TAl CHiNK (flip theo) Sa H01J (flip theo) Thuyit miDb vA de dog e¥ til cbioh phlK bqp: Tril phl4u chuyAn el81: - TAng gi! 3110311019 31/1112018 trifu VND trifuVND 3110311019 trlfuVND 31/1212018 tri + Gi! IIi eAu phAnN9 + Oi! tri cAuphAnVAn chu sa Mu ca pbliu uu ellll: tri + Oi' tri cAu phAnN9 + Oi! tri cAu phAn VAn cM 1- ~ 'I trituVND TI - TAng gii \ sa hlhl t ~ C6ph~u: • sa IIrqng • sa b'VOI cA pbl4u cA phlin 3110312019 31/1112018 ellng ky pUt b~nb 888.144.095 749.999.428 111ban dDg ChUDg 888.144.095 749.999.428 888.144.095 749.999.428 888.144.095 749.999.428 888.144.095 749.999.428 10.000 10.000 + cA phi&! ph6 thOng + c6 phi~u uu emi - sA lU'90gcA phi!u dU'Q'cmua lv,i + cs phiAuphA th6ng + cA phi~u uu dAi • sa loval ca phiiu clanglvo hbb + ca phi~u phA thOng + cs phi~u uu emi • Menh gii cA phi!u dang luu hinh: cA tlK: ca pbllu thll'img VND • cA tirc emtri/TAng s6 ca - cA tire emtrilcA phAn phin cA phliu uu elil VND 374.975 0,05 34 NGAN HANG TMCP BW meN LItN VJtT Tba DhACapital Tower, 109 TrAn Hung B,o, PhU'img Clla Nam, Qutn HoADKJAm, TP HA Ntl sa THUVtT 15 MINH BAo cAo TAl CHiNH (fl~p theo) THU NH~P LAI vA cAc KHOAN TU'ONG TV' trifu VND 3110312018 triju VND 39.871 3.132.206 566.029 42.206 2.614.629 524.880 566.029 15.847 524.880 10.879 3110312019 Thu n~ lai tien girl Thu nh4p lai cho yay khach hang Thu Iii tit kinh doanh, 4Aunr chUng khoM NQ': - Mlu sA: BOSaII'CTD Tbu 14itit chUng khOtfn kinh doanh Th" 14itit chUng khodn tid" tu Thu phl tit nghiep V\I bao 13nh Thu nh.P Iii cho thue tai chinh Thu nhJp llli tit nghiep V\l mua ban nQ' Thu khac tit hov.t 4~ng tin dung ~ b 3.753.959 TAng 16 CHI PHt LAI vA cAc KHoAN tien girl Tri Iii ti~n yay Trlllii Tri llli pMt hAnh giiy Tri IIi ta c6 git CHI PHi TU'ONG 3.191.599 Chi ph( hoa hAng TKBD TADg UI -, TV' 'I, :;; 3110312019 3110311018 tri~u VND trifu VND 1.849.907 111.180 210.948 1.693.325 24.163 123.246 6.898 173.855 4.307 152.257 2.352.788 1.997.298 tien thue tai chlnh Chi ph( heat 40ng tin dung khac /' 35 Mlu sA: B05arrCTD NGAN HANG TMCP BUU DltN Llt.N VItT Tlla aha Capital Tower, ~ 109 Tria Hwg B,o, Phuirng Clia Nam, Quia Hob Kl~m, TP Hi NOi THuvtT 17 MINH LAII BAo cAo L6 THUAN TAl CHiNH (T~p theo) Tit HO~T 9QNG KINH DOANH (MUA BAN) CHlrNG KHOAN KlNHDOANH 31/0312019 trifu VNB Thu nh~ 3110312018 trifu VND tit mua bml chUng lchoan kinh doanh Chi phi vA mua ban chUng lchoan kinh doanh Chi phi d\l phOng rili ro chUng khoan kinh doanh LlU (1.6) thuAD tV hOft 40ng mua ban cbUng kholin kiala dOIDh 18 LAII L6 THUAN Tit HO~T BQNG KINH DOANH (MUA BAN) CHlrNG 10 KHOAN N( BAuTU 3l, Thu nhtp tir mua ban chUng lchoan diu ur Chi phi ve mua ban chUng lchoan diu tu D\l phOng (hoan nhtp) nii ro chUng khoan dAu nr LlU (U) thulD tir hOft 40a& kinla dOlab chUng khoAn 4Au til 19 THU N~ Til' G6p V6N MUA 3110312019 3110312018 trifuVND trieuVND 7.085 40.856 (1.285) (2.103) (8.204) (19.038) 14.004 57.791 U co pHAN 31/0312019 3110312018 tritu VND trifuVNB CO roc nhGnduvc ky PhAn chia l1iII3 Cae khoan thu nh~ lchae TAng 36 ~~~ -~ ~~~~~~~~~~~~~~~~~~~~~- Mlu sA: BOSafl'CTD NGAN HANG TMCP BW BIeN LltN VIeT Toa nhi Capital Tower, 109TrAn OU'llgD,o, PhU'O'ngCira Nam, Quin Hob KI~ID,TP Hi Niji sa THUY£T MINH BAO CAO TAl CHINH (flip thea) 20 CHI PHf HO~ T DQNG Chi nOpthu~ vi de khoin ph(, If phi Chi ph( eho ohio vl~D: Trongd6: Chi IU'ongva phl,lcAp CAekhoAnchi d6ng g6p thea luang Chi trqc!p Chi khac cho nMn vien Chi v~ til sin : Trong d6 chi Wu hao tAi sin cA djnh Chi cho ho,t dtng quiD It cOngvy: Trongct6: COngtac phi Chi vAcae h~t dOngdoan the cUs Tcrn Chi BOPphi bio hiAm,bio toln t1~nlUi cua kh'eb hiDl Chi phi d., ph6DI kb'e Chi phi ho,t dfng kh'e Tang 3110311019 31J031l018 trifu VND 10.160 386.011 trlfu VND 17.853 328.795 215.612 190.660 37.150 32.692 74.232 31.211 155.335 54.390 107.121 99.244 34.006 169.935 57.778 113.864 ~ - l( \~ ~ U 2.879 2.123 51 1.636 29.695 21.754 4.997 4.283 724.663 635.141 37 r IE Mlu sA: B05arrCTD NGAN HANG TMCP BU'U DltN LltN V¢T Tita nha Capital Tower, s6 109Trin Hung B,o, Phlfimg Cva Nam, Quin Hoan Ki~m, TP Ha NOI THUvtT MINH BAa cAo TAl CHINH (l'i~p tbeo) esc HO~T BQNG NGO~I BANG KHAC MA TCTD PHAI CHIU Rin RO DANG Kt 21 3110311019 trifu VND 31/12/1018 trifu VND 3.965.806 5.971.601 Nq dli ti!u chuAn Nqc!nchUy Nq duai ti~uchuAn Nqnghi nga ~ ~ Nq cO khAnAngmAtvAn 3.831.157 22 m6NG 5.971.607 A TIN vt cAe BtN LltN QUAN E 31/03/1019 t~uVND TlAnllii kh3ng kY h,n 31/12/1018 tlifu VND ;; va eO ky h,n ttl Ngiu ,;: hlDg TAngcang ty Buu fo, Pbvlrng sa mUYET MINH BAo cAo TAl CHiNH (Tiip MAu Clia Nam, QuiD HoaD K-'m, sa: BOSalfCTD TP Ha NOI theo) RiJI RO LAI SUAT Chiti8u QuA b,n TrifuVND Tli sin Ti~n mtt vlng btc eta qui Tian gUi ~ NHNN Ti~ giri ~ va cho vay cae TCIDkMc(·) ChUng 1choin kinh doanh (.) cae cang C\I tAi chlnh phai sinh vAcac tAisan tAi chlnh khac Cho vay khieh hlDg (.) ChUng khoan dlu tv (') GOp vAn, dAu tlf ctai h~ (.) TSCD va bAt*g san dAu tu Tai san C6 khat (.) TiDg tli KhOagcblu Iii Trifu VND ~nl tbAng TrifaVND T"I-3 tbing Trifa VND suA a~i biDg Cae cam ket ngOfi bing cO tac dQng t6i mm: dQ nhi\lYelm v6i LiisuAt cIia cac Tli san va cang nQ (rong) Mlie c:b~Dbnb,y cim vM Iii suAt a~l alOfI bing T~uVND Tir6-11 T TrlfuVND Tir 1-5 aim TrifaVND Trh5 nim Trifu VND 4.010.762 1.818.986 6.384.382 550.000 278.400 278.400 88.643 88.643 1.017.694 431.112 34.610.271 81.896.239 4.229.234 1.996.491 1.439 6.175 123.757.543 1.646.000 458.526 2.300.513 6.846.883 10.066.696 15.075.897 36.825.627 324.731 324.731 1.442.523 1.442.523 7.032.285 7.032.285 1.012.328 11.796.894 TrlfuVND 5.869.802 5.869.802 4.634 Tang 2.199.200 2.199.200 46.136.835 84.173.751 7.079.747 1.843.374 10.068.135 15.08l.O71 184.l03.136 18.299.753 2.539.605 41.202 1.286.363 1.453.606 73.136 23.693.665 33.790.786 22.130.440 29.284.277 33.258.880 7.378.030 758 125.143.171 N9'phAi tri Ti~n giri cua va y til NHNN va dc TCTD kIuic Ti~n giri clia khich hang vAn tAilIV, uy thk dAu tlf cho vay mATCTD chiu nii ro Pilat bloh gi!y to cO gia cae kholn nil' We TAng a9' phii tri Mlie ebb ab,y dm vlH Iii Tir 3-6 tbaing 1.160.000 1.160.000 12.577 15.143 22.635 538.316 10.798.473 3.500.000 14.887.144 170.182.916 4.698.936 4.698.936 4.698.936 52.103.U6 24.685.188 29.348.114 35.083.559 10.790.109 3.573.894 1.022.318 7.097.959 (5.966.180) 59.488.563 (22.268.367) (16.l40.185) (10.711.974) 11.508.176 13.920.120 1.022.328 7.097.959 (5.966.280) 59.488.563 (22.268.367) (26.240.185) (10.721.974) 11.508.176 13.920.120 40 NGAN HANG TMCP BUlJ BIeN LltN VJtT TO ohi Capital Tower, sA 109Trio Hung D,o, Phuimg CVa Nam, Qutn HoAa Klim, TP Hi Nfi Mlu sA: BOSaffCTD THuvtT MINH BAo cAo TAl CHiNH (f~p tbeo) 26 QUANLY RiJI RO TAl CHfNH (fi~p theo) (Hi) Rii ro ti~n tf NgAn hAng chiu nii ro tien d~ng f)6 la te nhOng giao dich M9 va DAng Viet Nam cSeh~h bing ngo~ tet Ngan hing chu yeu sli tomcacho,t dOng cua mlnh Do cae bto cao ~~~_~~_~~~~cac~.~.~ hing bi inh huang boo nhOng bien cS~ngtY gii gill'a De, la M}' va DAng Viet Nam RUi ro cacgiao dich bing ngo~ te ella NgAn bing s! lim phit sinh Iii hote I~ ngo,i te vA cAc khoan Iii hay l~ ngo,i te duqc ghi nhin vAo bao doanh Rui ro nAy bao gAm ca de tAi sin va cang nq tien khang phil bing 10,i tien cao kat qua hoat ct~ng kinh te cUa NgAn bing te h~h toan cUa NgAn hAng PUn tfch cacdan co nguAn gAc vi tiAn te cua tien mJt "i qU}'ttiAnglii "i va cho vay cAe tA chli'c tCn d\U1gkMc, chling khoan ctAutu, tian gIii cactA chli'c tin d\U1gJch!c va tiAn Slii cUa JchAehhing tIlRg thAi ma de c6 the thu lilitil' bien d¢ng tY giA va tian vay NgAn bing ding tri 41 " A Mlu NGAN HANG TMCP BUlJ Dlf:N LltN VI~T TlJa nbi! Capital Tower, sA 109 Trin HU'IIgDto, Pharimg Ciia Nam, Quin Hoh Ki~m, TP Hi NOi mUYtT sa: Bos.rrCTD MINH BAo cAo TAl CHfNH (Ti4p tbeo) Rin RO TltN Tf: VND Cbltiea TrifuVND Tiisin TiAn rntt vang bae, da qui Ti~n gUi Ifi NHNN Ti~n gUi Ifi vi cho vay cae TCID khac (.) ChUng khoAnkinh doanh (.) cang c\I tai chfnh phlii sinh va cae tai san t!i chfnh khac (*) Coo vay kh6ch hang (.) ChUng khoan dAutu (.) G6p vAn,dAutu dii han (.) Tii san cA djnh va bAt dOng san dAu tu C6c t3i san C6 kh8c (.) Tang tlisin NV phil tri vA vin chi sa hlhl TiAngUi cua va vay tU cac TCTD khac Ti~n gUi Clla kh6ch hAng C6c rong c\l t!i chinh phai sinh va c8c khoin 09' tai chfnh khac vAn t3i trq uj'th6c dAu tu cho vay rna TCID chiu nii ro PMt h8nh gi4y to c6 gia Cae khoin nq kh6c TAng v6n chUsO hiN TiDg 8V phii tri vl vAn cbi T.-.ng th6 tiAn tf n~i bing Tiling th6i t'~n if ngo,1 biog Tiling th6 tl~n tf Dti, ngo,1 bing la hh 1.352.653 EURc1UVC gUI etAi TrifuVND Trifu VND C6c Dlo,i tf We c1!!E gUI Trifu VNI> Trifu VND 166 846.351 30 2.199.200 18.527 1.192.847 51.853 6.384.382 5.591.170 5.121.155 USD" gUI "it "A T~ng 5.869.802 278.632 278.400 278.400 6.260.539 123.757.543 88.643 88.643 117.497.004 36.825.627 36.825.627 324.731 324.731 1.442.523 6.976.692 175.220.198 18.693 18.549.230 123.834.502 55.585 1.442.523 7.032.285 8.912.354 51.891 184.200.136 18.267 125.843.171 5.144.435 18.514 1.971.888 23.693.665 1.160.000 1.160.000 14.887.144 14.887.144 4.669.590 21 29.175 ISO 11.617.632 173.558.098 18.535 1.662.100 158 1.817.218 3.479.318 4.698.936 11.617.632 1.305.498 18.417 181.900.548 606.856 33.474 2.302.588 33.474 2.391.231 88.643 (1.711.S75) 158 (1.111.719) 42 - - NGAN HANG TMCP BU'UD¢N LltN VIeT Tit Dba Capital Tower, s6 109 TriD HUDI D,o, PbU'lmg Cira Nam, QUiD Holn K~m TP H1 NOi mUY£T MINH BAo cAo 17 QuAN LV (lv) Rui ro thaDh khoin Mlu sa: BOSatrCTD TAl CHiNH (Ti~p tbeo) RID RO TAl CHiNH (T~p tbeo) Rtii ro khoan phit sinh qui trinh NgAn hang huy dOng v6n n6i chung va qua trlnh quan Iy cae lrfng thai tien ~ elia NgAn hang Rlli ro khoan bao gam nii ro viec khang 00 nAnghuy d~ng duqe tii sin theo cle thai diAm d40 han va Iii suAtphu hqp cling nhu nii ro viec kh6ng c6 kha nAngthanh Iy duqe m~t tii sin vai m~t gii cl bqp Ij va m~t khoing thai gian phu hqp Bang dum cUy trinh bAy phAn deb tli sin va cang nq tii chfnh eua NgAn hang theo cle nh6m IcY d40 h{Ulwang (Illg tfnh theo thai hlJ.l1oon 1,i tli' ket thue nien dO ke toan den phil toano Trong thl,fCt!, IcY dio bfR thl1e t! ella tii sin va cang nq tii ehfnh 00 th! kh6c thai hlJ.l1theo hqp dang theo cae thoa thl$ mieng gib cae ben hoJc ph\l l\1ehqp dang 00 thA00 43 NGAN HANG TMCP BU'U BIeN LItN VIeT 109 Trin Hvng D,o, Phuimg Cn TC\ nhA Capital Tower, sa mUVET MINH BAo cAo TAl cHiNH (nip RiJl RO THANH KHoAN Chi tieu TAl un Ti&t mJt v6ng bac, d! qul Ti&t giri ~i NHNN Ti&t gUi ~i va eho vay d.e TCTD khac (.) Chimg khoan kinh doanh (.) C6c c6ng C\l tAi chfnh phii sinh vi cac tAi san tAi ehinh IdW: (.) Cho vay kbach h6ng (.) Chimg khoan dAu tu (.) G6p van, 4!u tu «Ili hfO (.) Tli sin cA dinh va bAt cfQngsan cfAutu Tai san C6 khae (.) T6ng tilsin NVphiitri TiAn giri cua va vay til NHNN vA cae TClDkbAc Tien gUi eua kh8ch hAng C6c cOng cv tAi chinh phai sinh va c8c kho!n n9 tii ehinh kb6c VAn tai ttv uy thic dAu tu cho vay rna TCTD ehiu riai TO Phat hMh giiy c6 gia C6c kboan n9 kbic Tang pbil tri Mlic cbenh tbanb kboin ring MAu sA: BosarrCfD Nam, Quin HoAn K1~m, TP Hi Nii tbeo) Qa6 It,n ~.J TriD3 Th'DI: t"'1I1 Triju Trifu VND VND Trong",D DiD I tUng Til' 1-3 t '., Til'3-11 th6ag TrituVND TrifuVND TrifuVND Tir 1-5 Dim Tritu VND TriaS.lm Triju VND 2.199.200 4.010.762 5.869.802 1.818.986 550.000 6.384.382 278.400 88.643 228.380 2l8.38O 789.315 793.949 278.400 88.643 4.029.084 10.715.653 41.709.087 51.057.151 15.228.873 123.757543 731.112 1.269.450 8.461.396 9.458.778 16.904.891 36.825.627 324.731 324.731 1.442.523 1.442.523 7.032.285 7.032.285 l6.006.S42 13.804.089 50.720.483 60.515.919 32.133.764 184,lOJ.I36 18.299.752 2.539.605 1.327.566 1.457.765 68.977 23.693.665 33.790.786 22.130.440 62.543.156 7.378.030 759 125.843.17] 1.160.000 ta 12.577 15.143 560.951 10.798.473 1.160.000 3.500.000 4.698.936 2.28.380 793.949 TrifuVND 2.199.200 5.869.802 4.634 Ting 14.887.144 4.698.936 56.1Ol.O5l 24.685.188 (30.795.509) (10.881.099) 64.431.673 (13.711.190) 20.794,l68 3.569.736 170.282.916 39.721.661 28.564.018 13.920.220 44 NGAN HANG TMCP BUlJ mtN LltN VItT na nbl Capital Towcr, 56 109Trln HUDgD,o, Pb&rimgCu Nam, Qutn Holn ~m, TP Hl Nfi Mlu 56: BosrrCTD THUYET MINH BAo cAo TAl cHINH (nip thee) 18 NGHIA VV NQ TltM AN vA cAc CAM KtT DU'ARA Trong qua trlnh h.ofl dOng kinh doanh, Ngtn hing sli dung c6c ~ng C\I tii chfnh li!n quan d&t c8c Iehoin myc ngo3i bang cAn dAik~ toUt CAe c:6ng C\l t3i chfnh chu y~u bao gAm de cam kat baa IInh va thu tin d\IDg.Cae c&lg C\I cling tfo nhOng nii ro tin dl,lllgcho Ngtn hing ngo3i c8c nli 1'0 tin d\lng dAduqc ghi nh", n~i bang Rlii 1'0 tin d\U1gClla c8c cOna C\I t3i chInh ngo~ bang duve dinh nghia Iikha nAngNgtn bing phai tni thay Ichach hing Iehang th\((:hien hote th\((: hien khang dUng c8c nghla V\l di cam k& Cam Icet bl10 lInh la c8c cam kat rnA NgAn bing dp eho kbaeh hing cte giao dich vOi mOt ban tha ba, bao gAm nhiau lo,i nhu bl10 linh vay vAn, baa lAnh toan, bl10 lAnh th\lC hien hqp dOng, bl10 Ianh d\l thAu RUi 1'0 tin d\IDKdAi vOi b80 Yay vAn, baa lInh toUt v~ co bin giAng vOi nli 1'0 cho YayldW:h hAng; c8c lo~ baa lInh kh8c c6 mac dO nli 1'0 thAp hon Giao dich thu tfn dl,lllgthuong mti 11lo~ giao dieh d6 Ngtn hang cung dp cOng CI,l tii ehfnh cho Iehkh hing cUa MInh, thang thuang la ngum mualnha nh~ khAu hing hoa va b!n th\l huang IinguOi bWnha xuAtWu PhAn lo~ theo thm hJn toan, c6 lo~ Ii Thu tin d\1R8tni vi Thu tin d\IDgtni cl$n Rili 1'0 tin dyng d3i vOi nghiw V\l thu tfn d\ll1gthuOng thAD,vai di~u Id~n Ngin bing c6 the IdAmsoAt du(1CIWlg h6a Thu tin dl,lOgtni chtm c6 the tiem An nli 1'0 cao han thu tin dl,lllg tri Khi NgAn hang th\(Chien tni tiao theo thu tfn dI,lngfe8c cam k~t b80 lAnh rna khaeh bing khang ti~n hinh toUt cho Ngtn bing thl NgAll bing c6 quyao cho yay batb$ thea th6a thuin dAIcy k& eruac cUaNgAnhang va kh8ch hing NgAn hang tbuang yeu ciu Iehkh hing Icy qu~ de d!m b80 cho cae cang cy t3i chfnh c6 Ii~n quan d&t tin dyng cAn thiat Gm trj Icy qu~ dao dOng til 0% d&! 1000 git trj cam kat duqc dp, tiJythu~ vao mac d~ tin cf.y cUa khtch hing NgAn hing ctanh gill Ngo:ll ra, Ngin hang dua cae cam k~ c6 di~u kien duOi df,ng cam k~ giao dich hoan dAl Iii suAt,cam k& mua bingiAyta c6 git va c8c cam ket kh8c 29 S\)' KltN PnA T SINH SAU NGAY KH6A s6 Khang co bAt kY S\l ki~ phil sinh sau ket th6c nAm tii ehfnh hote trinh bAy baa cao tii chfnb cAn phii dieu chfnh HA NOi, 16 Chang04 nAm2019 LIp bini (Ky h(J tin)