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CQNG HOA XA MB Ugr CHU NGHIA VrpT NAM DQc l6p - Tg - H4nh phric THE SOCIALIST REPABLIC OF VIETNAM Independence - Freedom - Happiness s6/No:49.03 i.U9-HS V/v: c6ng b6 thdng tin b6o c6o tdi chinh hgp nh6t quf Intun2}2l Re: disclosure of information of Consolidated Hd N1li, Z?thdngOlndm 2021 Ha Noi, ZGApril 2021 Financial Statements for first quarter of 2021 Kinh gitilTo: - NgAn hang Nhd nu6c Vi6t Nam The State Bank of Vietnam - Uy ban Chung kho6n Nhd nudc The State Securities Commission; - So giao dfch chrmg kho6n Thanh ptrO HO hi Minh Hochiminh Stock Exchange ; - Sd giao dich chrmg khoiln Thdnh ptrO Ha 0i; Hanoi Stock Exchange; NgAn hdng TMCP Qudn dQi Cdng tylCompony: / Military Commercial Joint Stock Bank Md chimg kho6n/ Securities symbol MBB Dia chi tru sd chint/ Head office address SO tS LC Vdn Luong, Phudng Trung Hda, Qudn CAu Gi6y, HeNgi No l8 Le Van Luong, Trung Hoa Ward, Cau Giay District, Hanoi Di0n tho4i/Telephone: 024.6266.t088 Fax: 024.6266.1080 Nguoi thUc hiqn c6ng b6 th6ng tinl Submitted by: Ong/Mr Luu Trung Th6i Chric vq/Position: Ph6 Cht tich HDQT kiOm TOng Gi6m d6c / HAI THUONC ^t BOD Vice Chairman & Chief Excecutive b6/ M dinh kylperiodic Information | 24 gidl hours Lo4i th6ng tin c6ng Type of disclosure tr QuAxpr fficer b6t thudnglirregular E theo yd,t ci,,'ilon demand NQi dung th6ng tin c6ng b6: 86o c6o tdi chinh hqp nhAt quf I ndm 2021 Content of Information disclosure: Consolidated Financial Statements of 202 for I't Quarter I Thdng tin tr6n d[ dugc cdng bO tr€n trang th6ng tin diqn - Muc Nhd dAu tu - h ^t COPHA tt MB www.mbbank.com.vn PhAn Th6ng b6o The above information was disclosed on MB website ot www.mbbank.com.vn Investors Relation - Announcement Heod office Contoct us rucAru unNc rvce ouAN oQt Sd 18 La Vdn Lrrong, Phuong Trung Hdo Qudn Cdu Gidy, Ho NQi Di6n thooi: lO24) 62661088 Fox: (024) 62661O8O www.m bbo n k.com.vn 112 - *NgAn hang TMCP Qudn dQi xin cam k6t c6c th6ng tin c6ng b6 tr6n ddy ld rhing sU th4t vd hoin toan chiu tr6ch nhiQm tru6c ph6p luat vC nQi dung c6c th6ng tin dE c6ng bti MB declares that all information provided above is true and accurate and we shall take full responsibility before the law for the disclosed information Tr6n trgng cdm on! 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TONG GIAM D6C Noi nhQn/ Recipients: - Nhu tr€n/As above; - HDQT, BKS (b/c) / BOD, SB (for reporting purpose); - Luu: VT, VP IIDQT/ Archive at Admin Ofice, BOD Ofice 6/, >/ *t |'CAN nnNc' t'r l'HUONC MAI copnnru v\ QUAN oQr uu Trung Th6i Chief Excecutive Ol/icer Contoct us Heod office rucAu uaruc rvcp ouAtt oQt 56 18 Le V6n Luong, PhLrong Trung Hdo Qu6n Cdu Gidy, Hd N6i Di6n thooi: (024]1 6266 1088 Fox: (024) 62661O8O www mb bo n k.com.v n 2t2 Ngdn hdrng Thuong m4i G6 phAn Quin dQi Dia chi: 56 18 Leven Luong -Trung Hda -CAu GiSy-Hn B02alTCTD-HN Noi BANG cAN D6I KE TOAN HOP NHAT T?i 31 th5ng 03 nem 2021 ,AI SAN mit, vdng bqc, iti quf grli t?i Ngan hing Nhd nu6c ("NHNN") , ving gtli vi cho vay c6c t6 chrlc tin dqng ("TCTD") khoin kinh doanh kho6n kinh doanh rii chfng khoen kinh doanh c6ng cU tai chinh ph5i sinh vd cac tai san tai chinh phong ro vay khdch hdng vay khech hang phdng rii (4.354.21 ro cho vay kh6ch hdng \ dQng mua nq n9 phdng rii ro hoat dong mua ng khodn tliu tu ilt.8.1 rng kho5n ttAu tu s5n sang de ban kho6n dAu tu gi0 d6n ngdy d6o hqn 3.374.241 |t.7.2 phdng rrii ro chrlng kho5n dAu tu vi5n, tLr ttiu tu dii hqn ilt.9 t.9.1 dai han khac (141.331 phong gidm gi5 dAu tu dai han san cii dinh 'ai t.10 sdn c6 dinh hou hinh gie tai san c6 dinh mdn tai san c6 dinh I 1.271.754 at san co dtnn vo ntnn 2.414.591 gia tai san c6 dinh m6n tar san co otnn dQng sdn tl6u |t.'12 tu gie b6t dong s6n dAu tu mdn bAt dQng sdn dAu tu san C6 khac khoan phaithu khoin ldi, phi phai thu san thu6 TNDN hoan di sin hi C6 khdrc Trong d6: Lqi thd thwng m?i phdng rii ro cho cec tai san C6 nQi TAI SAN CO 6( bing kh6c (141.331 hing Thuong mqi GO phin Quin NgAn Dia chi: Sii 18 L6 V{n Luong BANG cAr,r - Trung Hda - Ciu Giey o6r xE roAru Hgp NHAr - dgi BO2alrcrD-HN Ha NOi (ti5p theo) T?i 31 thang 03 ndm2021 31/03/2021 31/12/2020 ild ki6m toen tneu dong triQu dOng ilt.15 93.085 15.383 il.16 45.138.386 50.876.472 [t.17 327.926.697 310.960.354 Thuy6t minh nqpHArM phi Cric khoiin nq Chinh v?r NHNN Tiiin g&i vir vay cdc TCTD kh6c Tien grli cria khich hing Ciic c6ng cU tai chinh phSi sinh khac V6n tii vi cic khoin nqtii tro, rly thic dAu tu, cho vay TCTD chiu Phat henh giSy td c6 gi6 rii ro chinh ilt.18 127.008 ilt.19 683.809 207 341 l[.20 50.229.524 50.923.563 33.035.222 31.899.554 4.706.344 4.765.7 44 4.651 4.651 Cac khoan nE kh6c C6c kho6n ldi, phiphdi trd Thu6 TNDN hoan tai phai tra Cdc khodn phdi trd vi c6ng nq khac |1.21 TONG Ng PHA TRA VON cHU cia 11.22 TCTD 457.233.73',1 4M.882.667 28.981.841 28.725.680 27 Thfng du v6n c6 phAn 987.569 27 987 569 869.327 t.l//.coJ (564.397) uo pnreu quy V6n khdc cia 129.159 qu! V6n didu l€ Qur, 27 Sd HOU V6n vir c6c V6n 28.324.227 TCTD LEi nhuQn ch.ra phen ph6i Lgr icH cUA c0 DoNG rHrEu s0 TONG VON cHU Sd HUU TONG Ng PHA TRA VA VON CHU SO HUU 124.945 124.945 6.197.s23 6.224.836 16.238.689 12.955.988 2.305.712 2.'.t92.991 s3.723.765 s0.099.495 510.957.496 494.982.162 Ngdn hdrng Thuong mqi G0 Dia chi: Si5 18 LC VAn Luong BANG cAN D6t KE - Trung Hda phin Qudn dQi - Ciu GiSy - roAN Hcrp NHAr B02aiTCTD-HN Ha NOi (ti6p theo) Tqi ngiy 31 th5ng 03 ndm 2021 cAc cHi rEu NGoAt BANG cAru s6r xE roAru Hgp NHAT 31/12/20m Thuydt minh NGH|A VU Ng T|EM AN de ki6m hi6u d6ng ben triQu ddng v.'t 86o linh vay v6n cam k6t giao dich h6i doai - Can k6t mua ngoqi tQ - Cam k& ben ngoaiG - 31/03/2021 Cam ket mua giao dich hodn ddi ngoqi t6 Cam k& ben giao dich ho1n ddi ngoaiG 152.138 162.968 316.877.242 238.836.419 2.649.535 1.648.660 765.136 156.150 966 621 915 18.705.065 156.428.081 18.744.303 Cam k6t nghiQp vu LC 34.417.501 29.182.376 Bao lanh khac 82.873.703 84.636.987 cam k6t khac 76.856.003 511.176.587 NgLrdi lap: 72.544.232 425,362.9821 Ngudi soat x6t: e/ s Quydn TP 16 todn t6ng trqp Hd N0i, Vi9t Nam Ngay26thang 04nem2021 Bd Ddng Thtiy Dung Bd Nguy6n Thi Thanh Nga K6 todn tru&ng utam ooc tar cnrnn ,'Y.nr.rzlv \ Trung Th5i Ngdn hing Thuong mqi C6 phAn Qudn dQi Dla chi: 56 18 LeVen Luong-Trung Hda -Ciu Gidy- B03a/TCTD-HN Hn NQi BAo cAO KET QUA HOAT DoNG KINH DoANH HoP NHAT v2021 Thuydt 56 phdtt sinh qui I Ndm Ndm tn& heu d'ng fieu d5ng 9.013.087 8.080.293 (3.385.082) 4.695.211 1.616.446 (871.560) 744.886 minh Thu nhap lai va c6c khoen thu nhap tuong tU Chi phi lai va cec khoan chi phi tuong tu (3.061 0s1) Thu nhap lii thudn Thu nhap tu ho?t dong dich vu Chi phi hoat dong dich vu Lii thuin tD hoat dong dlch vg Lii thuin tir ho?t atong kinh doanh ngoai hiSi Lai thuan tU mua ban chung khoan kinh doanh, ch@ng kho6n ttAu tu vir g6p vi5n, diu tu dii hqn Lii thuin tU ho?t alOng kinh doanh khec Thu nhap tu g6p v5n, mua c6 phin TONG THU NHAP HOAT DQNG TONG CHI PHi HOAT DONG Loi nhuin thuan tip hoat dQng kinh doanh truoc chi phi du phdng rti ro Chi phi dqr phOng nli ro TONG LgI NHUAN TRUOC THUE chi phi thu6 TNDN hien hanh Chi phi thu6 TNDN hoan lai chi phi thuii TNDN kY LgI NHUAN SAU THUE tv.2 tv.3 5.952.036 2.568.758 (1.5O2.792) 1.065.966 236.534 tv.4 159.443 690.537 216.935 497.858 240.163 1.221 tv.7 30.856 9.192.864 (2.803.949) 6.338.782 (2.050.500) tv.9 6.388.915 (1.809.057) (2.092.6251 tv.5 tv.6 |v.11 Loi ich crla c6 d6ng thi6u sii LqI NHUAN SAU THUE COA NGAN HANG Iap: IV.1 Lfry k6 tb dAu ndm d6n cu6i qu! Ndm Ndm tntu ltiiu ddng Meu d6ng 9.013.087 (3.061.0s1) 5.952.036 2.568.758 (1 502 792\ 1.065.966 236.534 8.080.293 (3.38s.082) 4.695.211 1.616.446 (871.560) 744.A86 690.537 216.935 497.858 240.163 30.856 9.192.864 (2.803.949) 6.338.782 (2.050.s00) 4.288.282 6.388.915 (1.809.057) 4.579.858 (e 15 498) 2.195.657 (407 402) 4.579.858 (915 4e8) 972 (5 395) 972 1412.7e71 1.782.860 (e13.526) 3.666.332 70.609 1'.t3-s23 (s13.526) 3.666.332 113.523 3.552.809 3.552.809 Ngudi soat xet: phc I Quy6n TP K6 todn t6ng hqp Ha NOi, ViCt Nam Nsay 26 thang 04 nem 2021 Be Dang ThUy Dung BA Nguy6n Thi Thanh Nga K6 toan trudng utam doc I at chrnh - 19: Luu Trung Thai r ong Gtam ooc 159.M3 1.221 Ngdn hing Thuong mai C6 phin Quan Dia chi: Sii 18 Le VAn Luong BAO - Trung Hda -C6u cAo LUU cHUyEN T|EN TE ci6y-Ha tlQi Bo4a/rcrD-HN N6i Hqp NHAT (phuong ph6p trrpc tiiip) Tai 31 thang 03 nem 2021 Thuy6t minh cHUyeN TIEN Tr,r HoAT DoNG KINH DoANH Thu l5i va cAc khoan thu tuong tu nhan duoc Chi lai vd cdrc kho6n chi tuong tu da tre Thu nhap tr.r hoat dong dich vu nhan duoc Gta, cloan tu 01/01/2021 ir6n 31/03/2021 01/01/2020 d6n 31/03/2020 triQu dong tieu d6ng 8.798.904 8.360 764 (3.168.852) (3.287.290) 1.065.966 744 886 996.987 629.077 109.363 54.080 1.107 053 186 082 (3.188.233) (2.206.208) (s48.258) (490.871) GEi aIOAn tu Lr.pu Chenh lCch sO tien thuc thu/(chi) tD hoat cl6ng kinh doanh (ngoAi tC, vang bac, chung khoan) Thu nhap/(Chi phi) khac Ti6n thu cec khoan no de duoc x& ly, xoa, bu ddp bang ngu6n rrl i ro Ti6n chi trd cho nhan vien va hoat dOng qudn 11i,, TiAn thu6 thu nhfp doanh nghiCp thuc nOp c6ng vq k! Luu chuy6n tiiin thuAn tt) hoqt tl6ng kinh doanh truoc nhOng thay d6i vii tii sdn va viln luu al6ng lv.10 5.172.930 3.990.520 (34.576.998) 4.604.999 (Teng)/Giam cac khodn tiAn gl}i va cho vay cec TCTD kh6c (Tang)/Giam cac khoan vA kinh doanh chung khoan (Ting)/Giim c6c c6ng cu tai chinh phai sinh va c6c tai san tai chinh khdc (2.838.019) 1.800.672 468.911 856 820 37.106 (113.36s) (Teng)/Giam cec khodn cho vay khach hang va mua no Gidm ngu6n dq phdng d6 bi dip t6n thAt c6c kho6n (tin dung, chung kho6n, dAu tu) (27.456.213) 2.350 916 (814.867) (1 593.e96) (Tdng)/Giam khac v6 tai san hoat dOng (3 973.916) (1.696 048) Nhhng thay il6i vA cdng n? ho?t CI6ng 12.625.458 (8.569.872) Nhbng thay cf,i va Ai sen ho?t al1ng Tdng/(Giam) c6c khodn no Chinh ph0 va NHNN ang(Gram) cac Knoan tren gul, tten vay cac I c I D khac Ting/(Giem) ti6n gti c0a khdch hdng (bao gdm ca Kho bac Nhe nuoc) l ISng/(Giam) phat henh giAy to co gi6 Tdng/(Gidm) v6n tai trq, uy th6c d6u tu, cho vay ma TCTD chiu _ (5.738.086) 17 i ro Tdng/(Gidm) cdc cOng cu tai chinh phai sinh va cac tai san tai chinh kh5c Chi tu cac quy ct]a TCTD Luu chuy6n tiiin thuin tr) hoqt crgng kinh doanh (31.938.468) (694.039) 5.085.000 476.468 rrl Ting/(Gidm) kh6c vd cOng no hoat d6ng ,044.045 19 426.448 (17 1le) 127 008 440.498 (1 109.449) (30.436) (16.284) (16.778.510) 25.647 (295,131) (288 920) 519 19 LUU CHUYEN TIEN TU HOAT EONG DAU TIJ Mua s5m tdi s6n c6 dinh Tien thu tu ly, nhuqng ben tai san c6 dinh lren tnu(cnr) Dat 09ng san oau lu z.ov I Tidn thu/(chi) dAu tu, gop v6n vdo cac don vi kh6c Ti6n thu c6 trlc va lEi nhuan duEc chia tu cac khoan dau tu, g6p v6n ddi han 30.856 1.221 Luu chuy6n tiiin thuin sr) dung hoat d6ng dAu tu (261.149) (287.580) I s ,( t \ Ngdn hing Thuong mqi C6 phAn Quin tlgi Oia chi: Sii '18 L6 B04a/TCTD-HN Vin Luong - Trung Hda - Ciu ciay - Ha NOi BAo cAo Luu cHUyEN TIEN TE HEp NHAr (ticp theo) Tai 31 thang 03 nem 2021 Giai do?n Thuy6t minh LLTU CHUYEN TIEN tb cr6n 31/03/2021 triQu ddng tri6u ddng T[/ HOAT DQNG TAI CH|NH Ting v6n c6 phAn tu g6p v6n va/hoac phet hinh cd phi6u C6 tuc tri t* Giai doVn 01/01/2020 i!6n 31/03/2020 01/01/2021 1.820.668 cho c6 dong TiAn thu/(chi) tu ben/(mua) c6 phi6u qu! 472.315 Luu chuydn tidn thuin tr) hoSt ifQng tai chinh 2.292.983 Luu chuy6n tidn thuin k! Iidn vi cric khoin tuong duong tiarn t?i thdi di6m ttiu k! Iiiin vd cic khoan tuong duong ti6n t?i thdi di6m cu6i ki tv.'12 (17.039.759) 2.030.950 62.326.334 46.o',t2.273 45.286.575 48.043.223 Be Le Thi HuyAn Trang Ba Oang ThUy Dung Bd Nguy6n Thi Thanh Nga' Quydn TP K6 to6n t6ng hqp K6 to6n trudng Gi6m d6c Tiri chinh Ha N6i, Viet Nam Ngay26 thang 04 nem2021 Trung Thei Don v! b5o c6o: Ng6n hing TMCP Quin D6i Dia chi: SO 1S LG Vdn Luong - Trung Hoa - Ciu GiSy THUYET MINH BAo Miu s6: B0Sa/TCTD-HN - Ha Ngi cAo TAIcHiNH HoP NHAT QUY t/2021 t- oAc DIEM HoAr oQNG cOl GiSy ph6p r0 cHrrc riN DUNG thinh lip vi hoqt clgng, thcri han c6 gi6 tri Ngdn hdng Thuong mai C6 phAn Qu6n dQi ld ng6n hdng thuong mqi c6 voi ph6p ("NH 11994, vd c6 thoi han lA 99 Ch0 nghTa Vi6t Nam 6n quan theo GiSy Nhd nuoc ViQt Nam phin duqc thinh lAp tai ld thUc hiOn c6c dich vu ng6n O/NH-GP ngAy 17110t2018 y th6 Gi6y phep hoat tt6ng s6 141911994 sd hii,u viin; C6 phAn Hinh thtlc Thinh phin hgi ddng quin tri a il Ho vd tln Chuc vt1/Ngay b6 nhiem/tdi b6 nhiOm Ong LO Hiru Duc Ong Luu Trung Th6i Ba V0 Thi Hdi Phuong Ong o6 Minh Phuong Bd Nguy6n Thl Th0y Bd Nguy0n Th! Ngqc ong L€ Vi6t Hai Ong Kidu D{ng HUng Ba Vu Thai Huydn Ong Ng6 Minh Thu5n Ong TrAn Trung Tin Ch0 tich Pho Ch0 tich Ph6 Ch0 tich Pho Cht] tich Thdnh vi6n ThAnh viOn Thinh vi6n Thinh vi6n Thinh vi6n Thdnh vi6n ThAnh vien HDQT dQc lAp \r Thinh phin Ban kiiim soit Ho vd tln Chuc vt1/Ngay b6 nhiem/tdib6 nhiem Ba LO Thi LEi Bd Nguy6n Thi An Binh Ong D6 Vdn Hung Ba D6 Thi Tuyet Mai Bd Pham Thu Ngqc Trudng ban Ki6m so6t Pho trudng ban Ki6m sodt Thdnh vi6n Thinh vi6n Thinh vi6n Thinh phin Ban di6u hinh Hq vd tdn Ngey b6 nhiem Ong Luu Trung Th6i -llong Bd Nguy6n Minh Chiu Bd Pham Th!Trung Ha Ong Tr6n Minh Dqt Ong Ha Trgng Khi6m Ong L6 QuOc Minh Ong Le XuAn V0 Ba Tr6n Thl Bdo Qu6 Ong Phqm Nhu Anh Ong VU Hong Ph0 Ong V0 Thdnh Trung Bir Nguy6n ThiThanh Nga -t uram ooc PhO T6ng Gi6m Pho T6ng Gi6m Pho T6ng Giam Ph6 T6ng Gi6m Ph6 T6ng Gi6m d6c d6c d6c d6c d6c vi6n ban di6u hdnh vien ban di6u hanh vi6n ban di6u hanh vi6n ban di6u hinh Thdrnh vi6n ban di0u hdnh -l Gtam 00c lar cnlnn Thdnh Thdnh Thdnh Thdnh Jt )C $ tq Trg sd chinh: 56 18 Lc Van Luong, Trung Hod, CAu GiAy, Ha Noi, Vict Nam 56 chi nh6nh: Hgi sA chinh, 101 Chi nhanh (trong d6 c6 chi nhanh nu6c ngoai) vd 198 phdng Giao dich (trong d6 c6 Phdng giao dich nuoc ngoai), Ven phdng dai dien tai Nga Tai ngey 31 thang 03 ndm 2021 , Ngan hang cO sau (6) cong ty nhu sau: Tite%sd vuc hoAt dong LTnh STT Ten c1ng '1 ty GiSy phdp hoat l), TMCP Cong ty TNHH Quan No va Khai thac tai san NgSn hdng Quan dQi (-MB AMC') COng ty C6 phAn MB Chung khoan ('MBS') s6 d\ng hhu cda NgAn hAng ll hoach 0105281799 thang9 Qudn l! novi nim 2002 Sd kC thac tai san vd DAu tu Hir N6i cdp lAn khai 100,00% va Up4% dAu thang 116/GP-UBCK 12 nilm 2013 Uy Chung khoan Nha nuoc lan dau ban c6p Cong ty C6 ph6n Qudn 21IUBCK-GPoCQLQ l! au! OAu tu MB ("MB 15 thdng 11 nim 2007 Uy Ban Chung kho6n Nha nuoc cap MOi gidi, dau tu kinh doanh chong khoan Qudn l! qu! dAu tu 9O,77lo Capital") chinh Shinsei ("Mcredit") C6ng ty Tii TNHH MB 27IGP-NHNN thang Tai chinh tieu ding 50,00% nim 20'16 NgAn hdng Nhd nudc ViQt Nam cAp l5n oau COng ty TNHH b6o nhan thA MB hi6m Ageas ('MBAL) T6ng cong ty C6 Bdo hi6m Quan ('MlC") phAn doi nhin 74IGP/KDBH 21 thang 86o hi6m nem 2016 Bq Tai Chinh thQ, bao hi6m lien kdt chung, bao c5p lAn hi6m suc kh6e vd dau tu tai ch inh ddu thang Tai 43/GP/KDBH 10 nem 2OO7 BO Chinh c6p lAn clAu Bdo hi6m phi thq nhAn NgSn hdng va cec cong ty sau day g9i chung la "MB" 61,00% Tiing sii c6n b9 c6ng nhan vian TInh tl6n 31 thang 03 nrm 2021, Ngan hang va cac cong ty c6 15.380 nhdn vi6n 68,37oh Thu nhip tir g6p v5n, mua c6 phin Tit 01/01/2021 d1n 31/03/2021 : t neu dong Tit 01/01/2020 den 31/03/2020 -i t nQu oong 4.353 26.503 1.221 30.856 1.221 TA U/01/2021 d1n 31/03/2021 : t neu dong Tu 01/01/2020 d1n 31/03/2020 : t nQu dong 23.475 18.545 1.717 934 1.257.935 Chi vd tdi sdn 484.747 320.934 - Chi phi khdu hao vd khAu tru - Chi khdc v€ tdi sdn 238.041 246.706 20'1.986 Chi cho hoat d6ng qudn lf cOng vu - COng tdc phi - Chi v6 cdc hoat dOng doan thO cla TCTD - Chi khdc cho hoAt dOng qudn ly 524.988 19.875 993 416.596 504.120 387.174 52.805 36 490 2.803.949 2.050.500 Thu c6 tuc Thu kh6c tu g6p v6n mua cd phan Chi phi hoqt dgng Chi nQp thu6 vd c6c khodn phl, l0 phi Chicho nh6n vi6n 18.948 27.933 1.489 Chi nQp phi bdo hi6m, b6o todrn ti6n gtli cua kh6ch hdng I Tinh hinh thu nhf p c6n bQ cong nhin vi6n Giaitloqn TV 0110112021 ditn 3110312021 Tri6u VND 56 luqng can b0, cOng nhdn viOn binh qu6n klr (nguoi) Thu nhfp c0a c5n bQ, cong nhdn vi6n Thu nhfp blnh quAn th6ng 15.316 1.469.598 31,98 JI Ghi phi/(hoin nhgp) du phong rrli ro Tir 0l/01/2021 ddn 31/03/2021 t : nQu dong Tir 01/01/2020 d1n 31/03/2020 : t nQu oong Chi phi/(Hoan nhap) dqr phong rOi ro cho vay kh6ch hdng Chi phi/(Hodn nhQp)dqr phong mua no Chi phi/(Hodn nhQp) dqr phong cdc kho6n ro kh6c 10 1.790.690 17.353 2.078.803 1.014 13.822 1.809.057 2.092.625 rOi Tinh hinh thpc hiQn nghia vg v6i NSNN Phdt sinh ki, s6 ou : oau Ky phdi nQp SO sd ou dd nQp cu6i *9, 543.357 97.998 136.233 921.517 456.606 (14e.025) (548.258) (478.867) 60.320 916.616 75.737 714.467 1.514.356 (1.176.1s0) 1.052.673 Thue GTGT 73.112 Thue TNDN C6c loqithue khac SO ( Ir I i 38 11 Thuii thu nhdp doanh nghiQp 11.1 Chi phithu6 Tt:t 01/01/2021 d€n 31/03/2021 : I neu dong Tit 01/01/2020 d1n 31/03/2020 : lrpu dong Chi phi thu6 tfru nhdp hi6n hinh 915.498 407.402 Nim 915.498 407.402 Chi phi/(hoin nhqp) thu6 thu nhip hoin lai (1.s72l- 5.395 Chi phi/(thu nhQp) thu6 thu nhSp ho6n lai (1.e72) 5.395 913.526 412.797 hiOn hdnh Ghi phl thu6 thu nhAp 11.2 Thu6 thu NgAn nhQp doanh nghiQp hing co nghTa vU nQp thu6 thu nhQp doanh nghiQp 20%tAn thu nhQp chlu thu6 31/03/2021 : t neu oong 31/03/2020 : I neu dong 4.579.858 2.195.657 (4e5.6e2) (247.796) 1.162 545 T6ng lqi nhuQn theo k6 to6n tru6c thuii hqp nhit Di6u chinh cho cdc khodn: Thu nhQp kh6ng chlu thu6 (bao gom c6 tuc, Loi nhu6n tu c6c dcvn vi, c6c khodn diAu chinh hgp nh6t kh0ng chiu thue) C6c chi phi kh6ng duoc kh6u tru crja ri6ng Ng6n hdng - - Thu nhqp chiu thu6 u6c tinh crla Ng6n hdng Chi phithu6 TNDN hi6n hanh (20%) ct]a Ngdn hang (i) Chi phithu6 TNDN chi nh6nh nuoc ngodri (ii) Chi phi thue TNDN cia cdc c6ng ty (iii) Chi phlthue TNDN ho6n lqi (iv) chi phi thuii TNDN (i+ii+iii+iii+iv) '12 4.085.328 1.948.406 817.066 389.681 4.805 1.226 I 93.627 16.495 a (1.e72) 5.395 913.526 412.797 ) ,t Tiiin vir c5c khoin tuong ducrng tidn Ti6n vA c6c khodn tuong duong ti6n thuAn th6 hien tr6n b6o c6o luu chuy6n tien te hqp nhAt bao g6m cac khodn tren bdng cAn d6i xe toan hqp nhAt sau dAy: Ti6n vd c6c khodn tuong duong tiOn tqiqu! grlitqi NgAn hdng Nhd nuoc TiAn giri tai TCTD k!, hqn g6c kh6ng Tidn th6ng 31/03/2021 t neu oong 31n42020 t nQu o)ng 2.771.244 3,109.230 8.751.971 17.277.605 33.763.360 41.939.499 45.286.575 62.326.334 qu6 39 v- cAcrnOrucnN xHAc C6c hoat d6ng ngoai bdng kh6c mi TCTD phdi chiu rui ro d5ng k6 Bdo ISnh vay v6n C6c cam kiSt giao dlch h6i doai - Cam k6t mua ngoai tO - Cam fet Oan ngoai t0 152.138 162.968 316.877.242 238.836.419 2.649.535 765.136 1.648.660 - Cam k6t mua giao dich hodn d6i ti6n t0 - Cam Xet Oan giao dich ho6n d6i ti6n t0 Cam k6t nghiQp vu LC 621.915 156.150.966 156.428.081 118.744.303 18.705.065 34.417.501 29.182.376 khSc 82.873.703 84.636.987 Cam kilt khec 76.856 003 72.544.232 Bdo linh Nghia vU ng tiiim in vi c5c cam k6t dua Trong qu6 trinh hoat dQng kinh doanh, Ngdn hdng thuc hi6n c6c cOng cU tdi chinh li6n quan d6n c6c khodn muc ngodi bdng c6n d6i ke to6n hqp nh6t Cac c6ng cqr tdi chinh ndy chri y6u bao gom cdc cam fet Odo lSnh vd thu tin dung Cdc cOng cqr niry cUng tao nhirng rii ro tin dqng cho NgAn hdng ngodi c6c r0i ro tin dqng d5 duqc ghi nhQn nQi bdng Rtii ro tin dqrng c0a c6c c6ng cqr tdi chinh ngoEi bdng duqc dinh nghia ld khd ning mang tl6n rrii ro tin dr;ng cho Ngan hdng mQt c6c bOn liOn quan cl6n cOng cU tii chlnh khOng thUc hiQn c6c di6u kho6n crJa hqp d6ng Bdo lSnh tdri chlnh ld c5c cam k6t co di6u ki6n mdr Ng6n hdng c5p cho kh6ch hdng d6 giao dich v0i mQt b6n thu ba c5c hoat dOng ve bdo lSnh vay v6n, bdo l6nh to6n, bio lSnh thuc hien hqp d6ng vd bdo lSnh dU thAu R0i ro tin dung li0n quan dOn viOc cAp bio lSnh vO co bdn gi6ng rrji ro cho vay kh6ch hdng I t, U Giao dich thu tin dqrng thuong mqi trd lir loqi giao dich d6 NgSn hdng cung c5p tai chinh cho khdch hdng cria minh, thong thuong nguoi mua/nha nhap khAu hirng ho6 v?r b6n thU hudng ld nguoi b6n/nhir xu6t khAu R0i ro tin dung thu tin dqng trd thuong th5p hang hoa nhap khSu dugc dung O6 tne ch5p cho loai giao dlch niry Giao dich thu tin dUng tr6 ch4m s6 ph6t sinh rOi ro hqp dOng d5 duqc thwc hiOn mdr khach hAng khOng todn cho b6n thU hudng Cdc thu tin dUng trd chim khOng dugc kh6ch hdng to6n duqc NgAn hdng ghi nhQn ld khodn cho vay Oit Ougc vdr cOng nE tuong ung th6 hien nghia vu tdi chinh cOa Ngdn hang phdi to6n cho b6n thu hudng vd thuc hiQn nghia vq c[a Ng6n hdng viec b6o lSnh cho kh6ch hdng NgAn hdng thudng yOu c6u kh6ch hang k! qu! d6 ddm bdo cho c6c cOng cu tdri chinh co li6n quan d6n tln dUng khicAn thiet Gia tri k! quy dao dOng tu 0% d6n 100% gi6 trlcam kOt dugc cAp, thuOc viro muc dO tin cAy crla kh6ch hdng Ngdn hdng danh gi6 40 ( I Giao dlch v6ic5c b6n lien quan Giao dich v0i c6c b6n li6n quan la c6c giao dich duoc thUc hien voi cdc b6n c6 li6n quan voi Ngin hdng MQt b6n duqc coi lir b6n c6 ll6n quan voi Ng6n hirng n6u: (a) Truc ti6p hoqc gian tiep qua mQt hay nhieu bOn trung gian, b0n ndy cac cOng ty me, cOng ty con); > c6 v6n gop (sd h0u tu 5% v6n dieu le hoic v6n c6 phAn c6 quy6n bi6u quyOt trd len) vdo Ng6n hdng vd do c6 dnh hudn I d6ng k6 tOi rugan hang; > c6 quyen dOng ki6m so6t NgAn hirng; (b) Ben liOn quan la cOng ty li6n doanh, li6n k6t md NgAn hdrng lir mOt b6n li6n doanh, li6n ket (s& h0u tr6n 11% v6n di6u 16 hoac v6n c6 ph6n co quy6n bi6u quy6t, nhung kh6ng ph6i la c6ng ty (c) BOn li6n quan co thdnh vien la nh6n su chinh HQi dong qu6n tri hoic Ban Di6u hdnh cia Ngdn hdrng; (d) Ben li6n quan hoic ldr thdrnh viOn gia dinh c0a b6t ky c6 nh6n ndo dd n6u di6m (a) (c); (e) B6n li6n quan ld mQt don vi truc ti6p ho{c gidn ti6p chiu sU ki6m so6t, d6ng ki6m so6t hoic chiu 6nh hu&ng d5ng k6, hoic co quy6n bi6u quy6t bAi b6t ky c5 nh6n ndo duqc dO cdp den di6m (c) hoqc (d) T6ng s6 du ph6i thu vd phdi trd crja Ng6n hdng voi mOt s6 c6 d6ng chinh (chi6m tu 5% v6n di6u lO c0a NgAn hdng) nhu sau: 31/03/2021 t nQu oong 31/1 2/2020 Loqi giao dich Giao dich tiOn gfri tai MB 16.395.731 17.428.686 16.395.731 17.428.686 I -t neu Oong Thr) lao c0a thdnh vi6n HOi d6ng Qudn tri, thdnh vi6n Ban Ki6m sodt vd tiOn luong cOa Ban di6u hdnh ph6t sinh nhu sau: Tu ddn 01/01/2021 Tir 0l/01/2020 d€n 31/03/2020 31/03/2021 : Tri€u dOng TriQu d6ng Thdnh viOn HOi dong Qu6n tri (11 vi6n), Ban Ki6m so6t (5 vi6n) vd Ban di6u hanh (11 thirnh vi6n) phin hqp nhdt theo khu vpc dia 10611 10.383 10.611 10.383 Bio 3.1 M(rc dQ tQp trung theo khu vtTc dia $,cita cdc tdi sdn, c6ng nq vd c6c khodn myc ngoqi bdng cAo bq ly T6ng du nq cho.vay kh6ch hang, t6ng ti6n grli c0a kh6ch hdng, c6c cam k6tthu tin dqrng, kinh doanh vd dAu tu chung khofrn theo khu vqrc dia lV dugc trinh bdy duoi bdng t6ng hqp sau: t ong tren gur cOa kh6ch hdng -tI [-1ong nuoc Nucyc nqoai 320.492.853 3.514.522 326.688.043 1.238.654 34.417.501 102.714.206 68.518 41 3.2 Beo ceo bQ phAn hW nhAt theo khu vW irla It 31 theng 03 nam 2021 I Mi€n Bdc neu oong Tai san 352.523.773 olaitla- !q I ar san co otnn 370.455.269 4.226.364 Doanh thu Chi phi Loi nh uan trucrc thu6 31 theng 12 nem 2020 19.396.884 16.342.158 3.O54.726 Mi€n Bdc I nQU OOng I ar san No phai tre Tei sen cd dinh Doanh thu Chi phi Loi nhudn truoc thue Mi6n Trung I neu oong Mi6n Nam neu oong t Khu vvc khec I neu oong 36.217.180 18.068.208 21 624 132.623.233 77 293.034 64.832 4.795.311 2.157.042 1.067.068 892.796 4.315.552 2.994.225 123.764 94.231 29.533 174.272 Mi€n Tru.ng TriAu ddng 353.682 856 364.911.820 4.206.622 34 965.617 17.403.468 68.700.353 62.148.179 6.552.174 4.781 490 24.006 4.390.957 390.533 321 327 Mi€n Nam neu oong I Loai tru TriQu d6ng (15.202.001) (1o 739.822] 510.957.496 457.233.731 4.322.258 (10.580.750) (10.580.750) 14.322.518 9.742.660 4.579.858 9.438 Khu vtlc khac I neu dong Loai tru Tri€u d6ng 745.926 2.466.563 10.263 (14.820.8221 70.499.389 70 028 14.363 228 10.709.947 525 533 433.245 (40.896 902) (40 896 902) 3.653.2 81 92.288 116.408 585 t ong cQng TnQu d6ng (10.398.573) T6ng cOng I neu dong 494 982.162 444 882.667 4.310.919 47.473.702 36 785.426 10 688 276 42 3.3 Beo ceo bO phAn 31 th6ng 03 nim hW nhat theo khu vtrc kinh doanh 2021 ' Tai sen Plai tla- Ig I ar san co dtnn Doanh thu Chi phi Loi nhuan truoc thue 31 thang 12 nem 2O2O Tii sdn Nq phai tF, I at san co Olnh Doanh thu Chi phi Loi nh uan truOc thue Tdi chinh Ngen hang Tri1u ddng ChLtng khoan Bio hi6m I neu oong Khai thac no l!^ tdi,sdn t neu dong 506.462.845 454.951 122 3.949.650 L468.222 5.824.423 59.037 9.933.074 6.782.607 270.638 1.295.356 415.401 22.531 873 406.863 767 650 18.273.Oa3 271.448 135.415 642 036 196.882 136.843 60.039 4.258.790 Tai chinh Ng6n hdng Trieu d0ng Quin l1i qu! Trieu ddng 491 465.182 443.320.932 3.981.953 506.289 008.207 58.457 80 255.977 70 632.145 1226.761 849 407 377 354 I 623 832 Bdo hi6m I neu oong I neu oong 2O2 O01) (10.7 39.822) (1 42 933 't25.614 Chung khoan Loai trar Qudn Khai th6c no lyi- tai-sdn I neu oong (10.s80.750) (10.580.750) Qudn I Loai tru neu dong 214.396 (14.820.8221 382.472 43.792 (10.398.573) 6.282.136 s.800.084 605.730 400.692 (40.896.902) (40.896.902) 482 052 20s.038 ong cong 510.957.496 457.233.731 4.322.258 6.s69.629 226.717 9.617 1',t7 r TriQu c!6ng 14.322.518 9.742.660 4.579.858 rong cong Tri6u ddng 494.982.162 444.882.667 4.310.9'19 47 473 702 36 785 426 10 688.276 43 Thuyiit minh vd bien dQng toi nhuAn: Loi nhudn trucvc thu6 hqp nh6t c0a MB quf I ndm 2021 so voi qu;7 2.384.201tri6u tl6ng tuong duong muc 108,59o/o cdc nguyOn nhAn sau: I ndm 2O2O titng Anh huong Lgi nhufn truoc thu6 Khoin mgc co bi6n d6ng lon TriOu cl6ng Ting lEi nhuin thu nhAp lai thuAn ting T6ng lEi nhuQn ting l6i thuAn tu hoat dOng dich vu Ting lEi nhuQn tdng lai thudn tu hoat dQng kinh doanh 1.256.825 321.080 ngoai h6i 77.091 Ting lqi nhuQn gidm lai thuAn tu ch0ng kho6n kinh doanh, chung kho5n d5u tu va gop v6n, d6u tu ddri han Tdng lqi nhuan tdng l6i thu6n tu hoat dOng kh5c Tdng lqi nhu?n tdng thu nhQp tu gop v6n mua c6 phin Gi6m lqi nhuQn ting chi phi hoat d6ng ' Tdng loi nhudn gidm chi phi dq 192.679 976.772 29.635 (753.44e) 283.568 phong T6ng ting/(giim) inh huong tl6n k6t qui kinh doanh Chinh sich qudn If rui ro li6n quan d6n c6c c6ng cg tii 2.384.201 chinh Dinh huong cOa Ngdn hirng ldr tr& thdnh mOt t6p dodn tdi chinh da ndng Do vdy, vi6c sfr dung c6c cOng c.u tiri chlnh, bao g6m huy dQng v6n tu kh6ch hang (bing sdn ph6m ti6n grli vd phdt hinh gi6y to co gid) vd d6u tu vdo c6c tdri sdn tdri chinh c6 chAt tugng cao d5 trO thdnh hoEt dQng mang tlnh then cn6t girip NgAn hirng dat duqc muc ch6nh l6ch 15i su6t can thi6t Xet tu khia cqnh qu6n l! nii ro, Ng6n hdng phdi tri co c5u danh muc tdi sdn, cOng nE vd nguon v6n (bao gdm cdc kho6n mqrc n6i bdng vir ngoai bdng) vi muc ti6u an toirn, gi6m thi6u r0i ro hoat dOng ngAn hdng B6n canh d6, Ngdn hdng thqc hi6n tlAu tu vdo c5c chung kho5n hay cAp tin dung cho c6c ngdn hdng kh6c Nh0ng r0i ro liOn quan d6n trao tl6i ngoai tO vi thay d6i lai su5t duoc qudn l! thOng qua dp dung han muc trang th6i nhdm han ch6 sU tQp trung qu6 m0c d6ng thoi tham gia vdo c6c hoat tl6ng co tdc dqrng c6n bdng l5n Ct6 gidm thi6u rOi ro ThOng qua vi6c nim giu nhi6u tai sdn lir c6c cOng cU tiri chinh co chAt luqng cao, co c6u bdng cAn d6i te to6n hop nh6t 16 cia Ngdn hdng co d0 khd ning phong ngua r0i ro trgng y6u qu6 trinh hoqt dQng kinh doanh vd tldm bdo khd ning khodn ThOm vao do, Ng6n hdng c0ng tham gia viro nhi6u giao dich phong ngua rii ro li6n quan d6n c6c cOng cu tiri chinh nhu c6c cam k6t ho6n d6i ngoai t0 cho mqc dich qu6n lf rii ro ldi suAt Trong qu6 trinh qudn l! r0i ro tin dqrng, Ng6n hirng d5 sfr dqng co hieu qud CAm nang Tin dqrng ghi chi tiet c6c chlnh s6ch vd thi tUc cho vay c0ng nhu c6c huong d5n thuc hiQn d6 chu6n h6a c6c hoat d0ng tln dqng cia NgAn hang R0i ro kho6n duqc hAn ch6 th6ng qua viQc n5m giO mQt s6 luong tien mit vd c6c khodn tuong duong tiOn duoi dang tai khodn Nostro d muc d9 hqp lf, cac kho6n tiOn g&i co ky hqn tai Ngdn hang Nha nuoc vd c6c t6 chuc tin dqng kh6c vd cac giSy to co gi6 C6c t! l0 an todn co tlnh den y6u t6 rii ro c0ng duqc sr? dUng d6 qudn l1i rtli ro khodn Ng6n hdng thuo.ng ti6n hanh d6nh gi6 ch6nh lech lai su6t, so sdnh vcyi cAc th! trucrng nuoc vd qu6c te O6 co nh0ng dieu chinh kip th0i, Th0m vdo d6, viQc ap dqng cAc quy trinh quan ly r0i ro nQi b0 c0ng trO nOn hiQu qud hon nho viQc tri6n khai H0 th6ng Quin lf V5n TQp trung vd HQ th6ng Thanh to6n T?p trung, theo d6 todn bO c6c giao dich v6n vir to6n cia NgAn hdng d6u Hgi s0 chinh thqrc hi6n Viec d6 cho phep NgAn hirng giSm sdt hieu qu6 hon c6c bien d6i v0 v6n vd gi6m c6c sai s6t co th6 xdy c0ng nhu nhung th0 tuc phuc tqp khOng cAn thiet 44 5.1 Rii ro tin dgng Rr} ro tin dqng ld r0i ro v6n co hoat dong kinh doanh li ndng xdy t6n thAt kh6ch hang khong nghTa vu cia minh theo cam ket cia c6c ngan hang Rii ro tin dung thuc hien hoac kh6ng c6 kh? ning thuc hi€n Ngan hang da tri mot chlnh sAch quan ly nli ro tin dung ddm b5o nhirng nguyOn > > > > tic co bdn Thi6t lap m6t m6i truong qudn ly rrli ro tin dung phi hop, Hoat dong theo mot quy trlnh c6p tin dung ldnh manh; Duy tri mot quy trinh qudn l!, luong vd gi6m sat tin dung phir hop; vi Ddm bdo ki6m so5t ttdy dri d6i voi rdi ro tin dung NgAn hirng tiSn xem x6t mot han moc tin hinh xet duyet tin dung qua nhi6u c6p d6 dam bao mot khoan tin dung duoc ce du dqng cria Ngdn cec khoan vay aluEc th\.pc hien tren co sd uydn BOn canh do, mO hinh phe duyet tin In dung d6 ddm bdo hoat d6ng phe duyet tin dung duoc t Ngan hang dang srl dung he th6ng xdp hang tin dung nOi bo duoc Ngin hdng Nha nuoc chep thuan nhu mQt c6ng cu qudn lf d6 qu6n tri x6p loAi d mot muc d0 rii ro Muc d0 rii ro niy Du lieu va ket qud x6p hang crla khech hang tap trung tai Hoi sA chinh Day la co sd cho vi6c ang cong nhu viec trich lap du phong rii ro tin dung theo quy dinh r0i c6 tren c5 '1 I i 45 5.2 Rii ro thi trudng 5.2.1 Rii ro Ei sudt Cac hoat dQng cria MB chiu r0i ro vd bien dong tai su6t cac tai san thu tai vd no phdi trd chiu lei d6o han tai nhilng thoi di6m khAc hoec vdi nhilng gia tri khec MOt s6 tai s6n khong cO ki,han cu th6 hoec r6t nhay cdm voi tei suet va tnOng tuong ung voi tung khodn c6ng no cu th6 Bang dudi day trinh bay c6c tai san va ng phai tre crla MB duoc phiin toai theo thoi han dinh lai l5i suAt thuc t6 tinh tu bao ceo cho toi kj/ dinh tai tai su6t gAn nhAt hoac tu b6o cao cho tdi dao han cia cAc khoan muc tai sdn vd no phdi trd Cec gia dinh vd di6u ki6n sau alugc ep dung phan tlch thoi han dinh lai lai su6t thuc te crla cac tai sdn vd c6ng no cia MB: Ti6n mdt, vang bac dd quy; g6p v6n ttAu tu dai han va cec tdi san c6 kh5c (bao gdm tiri san c6 dinh vir mdt s6 tai san co khac) duqc xep loai khoan muc khong bi dnh hudng 0rn n lat lat suat, Tidn g&i tal Ngan hang Nha nuoc Vi€t Nam duoc x6p loai ti6n grli toan d6 ki, han dinh lai lai suAt duoc xep loai den m6t theng: Chtrng khoan nq kinh doanh duqc x6p vdo loai d6n m6t thang; Thdi han atinh lai l5i su6t crla chung kho6n dAu tu va chung kho6n v6n kinh doanh duoc xec dinh nhu sau: Cac khoan muc co lai su5t c6 dinh su6t thdi gian crja hop d6ng: Thoi han dinh lai lai suat dua tren thoi gian dao han tinh tu thdi dr6m lap bdo c6o tei chlnh hqp ntr6t; - CAc khodn mr,rc c6 lai suAt tha n6i: Thoi han dinh lai lai su6t dua tr6n klr (linh lai t5i su6t gAn nh5t tinh tu thoi di6m tap beo ceo iei ctrinrr hop nhAt; C-rc chung khoan dAu tLp ve chung khoen kinh doanh la chung khoan v6n duoc x6p vao khoan muc khdng bi dnh hudng dinh lai lai su6t Thdi han dinh lai 15i suAt crla cdc khodn ti6n giri vi cho vay cAc TCTD; c5c khodn cho vay khach hang, cAc kho6n 0y thac va nhan 0y thdc; no Chinh phri vd NHNN; c5c khodn ti6n grli vd vay c6c t6 chuc tin dung khec; cac khodn ti6n giri cria kh6ch hang; cac khoan v6n tai tro, riy thdc ddu tu, cho vay ma TCTD chiu rl]i ro va phat hanh giAy td cO gie duqc xac dinh nhu sau: CAc khodn muc cO lai suat c6 dinh su6t thor gian cia hop d6ng: Thdi lai lai su6t dua tran thoi gian dao han thuc te tinh tu thoi di6m lep bang can d6i ke toan hop nhat; > I han d nh Cdc khoin muc c6 lai su5t tha n6i: Thoi han dinh lai lai su6t d\ra tr6n klr dinh lai l5i suAt gAn nh5t tinh tu thoi di6m lap bao cao tai chinh hop nhet; Cac khoan no khac du,oc x6p vdo khodn muc kh6ng bi dnh hudng dinh lai lai suet 4b ' Ph6n loai tdri sdn vd c6ng nq vdo ngiry 31 th6ng 03 nim 2021 nhu sau: Don vi: triQu dOng Ldi sudt ' Khdng bidinh gi6 tqi l1i sudt Qud han D6n dupc dinh gil lqi vdng l thdng Titl -3th6ng Ttr3-6thdng Ttr6-12thdng -, tong Tr€n ndm Tii sin Ti6n mat, virng bqc, cla quf 8.771.043 Ti6n grlitai NHNN Ti6n, vdng grlit4ivd cho vay cAc TCTD khdc Chfng kho5n kinh doanh (*) Cho vay khdch hirng vd mua ng (*) Chung kho5n d6u tu (*) Gop v6n, d6u tu ddi hqn (-) Tdi sdn cO olnfr, O5t oOng sdn dAu 498.112 5.670.741 50.000 T6ng Nq tii sdn 8.77',|.O43 28.426.774 3.154.342 10.661.868 86.202.685 6.762.114 131.321.286 23.040.813 1.298.258 1.114.611 1.049.000 42.550.511 3.652.454 42.157.175 6.159.368 32.850.790 10.109.545 27.550.519 53.008.430 325.753.1 96 99.130.270 1.023.813 1.023.813 4.568.634 4.568.634 47.656 28.692.207 28.739.863 5.768.397 37.554.010 tu Tdi s6n Co khdc (-) 2.771.244 2.771.244 133.316.9s8 165.023.967 49.614.801 44.074.946 81.607.949 516.961.028 93.085 20.627.154 183.018.689 16.471.291 44.422.345 3.494.659 45.082.883 4.444.507 32.325.192 100.775 23.077.588 93.085 45.138.386 327.926.697 1.701.979 1.606.611 682.1 81 (1.630.796) (2.232.967) 127.OO8 2.273.O09 2.424 4.399.762 681.385 3.846.699 36.236.908 3.473.146 683.809 50.229.524 phiitri Nq phditr6 NHNN Viet Nam vi Chinh phi Ti6n grli vd vay c5c TCTD kh5c Tien giri cia kh6ch hdng C6c c6ng cr,r tdi chinh Ph6i sinh vd c6c khoin nq tdi chinh khiic V6n tdi trg, iy th6c cl6u tu, cho vaY TCTD chlu rrli ro Ph6t hdnh gi5y to co gi6 C6c kho6n nq kh6c (*) 33.O35.222 T6ng n9 phii trd 33.O35.222 Mr?c ch6nh nhqy cim v6i l6i suSt nEi uang (*): Cdc khoAn mqc nity khOng 5.768.397 4.518.788 33.O35.222 207.713.916 66.902.433 lz gg!!ql 9u4.934 53.787.807 71.375.811 24.418.542 (4.173.006) (27.300.865) s7.18e.407 457.233.731 5s.727.2s7 bao gOm dOn dq phong rhi ro- 47 rra \ E 5.2.2 Rdi ro tien e ng xuet phat tU bi6n dong ty gid Ngen hang duqc hp va ho?t dong t?i Viet hinh cia Ngen hang cilng E ddng Vigt Nam C6c khoan cho vay khdch hang crla kh6c cia Ngan heng beng ngoai te kh6c ngoai ddng Vie,t Nam va 06 b My Ngan g lo?i tian tg dua tren he th6ng denh gie nli ro noi b0 cia Ngan hang va cac quy dinh c0a NHNN Trang i6n lu?c phdng ng(Ia nli ro atuqc NgAn hang sO dung dg dem bao tr?ng thai ddng ti6n duoc ki PhAn toaitirisdn vd cOng nq theo loaiti6n te d5 duqc quy tl6isang triQu d6ng vdro ngiry 31 th6ng 03 ndm2021nhu sau: EUR dupc quy |JSD dupc quy d6i Tdi sin Tidn mat, vdng bgc, d6 TiAn g0itai qu! NHNN Tidn, v2rng glitai vd cho vay cAc TCTD khac Cho vay kh6ch hdng Ch0ng kho5n dAu tu G6p v6n, dAu tu ddi han Tdi sin c6 oinn va b5t dQng sdn dAu tu c6c tdi san d6 rnac 177.031 1.283.727 6.676.090 27.101.696 4.617.000 -2 oot Don vi: fieu dong Cdc ngoqi t0 kh6c dugc quy d6i -2 t ong 42.305 83.785 303.121 3.122 138.274 1.425.123 476.930 215.291 7.368.311 629.881 27.731.577 4.685.518 2.714 68.518 2.714 8.182 6.378.364 1.256 9.438 249.063 72.157 6.699.584 46.242.090 774.134 1.209.162 48.225.386 30.675.512 18.615.632 30.488 4.506.977 318.500 446.636 31.024.500 23.569.245 3.820.942 (3.763.536) 93.498 150.904 402.317 10.038 25.632 437.987 T6ng nq ph6itri 53.514.403 783.967 884.266 ss.182.636 Trqng th6iti6n t0 nOi bdng (7.272.313) (e.833) 324.896 (6.es7.250) 52.446 1.000.876 377.342 (s.ss6.374) T6ng tirisdn Nq phiitrd Tidn gliri vd vay cOa c5c TCTD khac Ti6n grli cria kh6ch hdrng COng cu t2ri chinh ph6i sinh vir c5c khodn no tdi chinh kh5c C6c khodn ng kh6c 948.430 Trqng th6itidn tQ ngoqi bdng Trang th5itiGin tQ nQi, ngoqi bing (6.323.883) (s.833) 48 5.2.3 Rii ro khodn Rii ro khoan phat sinh qua trtnh MB huy dOng v6n noi chung va qua trinh quan ly cec trang thei tiAn te crla MB Rrli ro khoan bio g6m rrii ro viOc khong c6 khd n5ng huy dong duoc tai san theo cdc thoi didm deo han ve tei suat phu hqp c0ng nhu rrli ro vipc kh6ng cO kha n5ng ly duoc m6t tai sen voi m6t gia cd hop l1i' va m6t khoang thoi gian phU hop MB s& dung phuong phap luong rrii ro phU hop vOi quy mO hoat dong vd su s5n c6 crla he th6ng thong tin, dam beo dap ung yeu cAu gidm thi6u rrli ro Rrji ro thinh khodn dugc ludng th6ng qua viQc srl dung cac chi s6 tien quan toi dong tien, kha nang huy dQng v6n, khd neng khodn tai sdn crla MB Ngoai ra, MB c0ng c6 cec bO phan chuyCn tr6ch cap nhat cac thong tin.kinh td va ngoai nuoc cO anh hudng truc ti6p toi 56 kinh doanh (Tiading book) va chi6n luoc kinh doanh cda l\48 cung nhu d, beo bi5n d6ng cia c6c y6u t6 ttii trudng: ti gie lai suAt, gi:i vang d6 co.nhOng cdnh b5o rdi ro kip thdi MB c0ng xiy dung vZr ep dUng he th6ng han muc, thdm quyOn phen quyet tlng c6p dya tr6n t6t qui Oo tuOng rii ro cho ting danh muc day trlnh bay phan tich tai san vd nq ph6i tra cia MB theo cac nh6m ki, d6o han tlnh theo thdi han cdn lai tu k6t thuc nam tai chinh d6n ngdy phai thuc t5, ky deo han thuc te crla t5i san va ns phai tra c6 th6 kha; thoi han theo Cac gia dinh va di6u ki6n sau dLpqc ap dung phan tich thoi gian d6n han crla cac tai san va cong nq > > cia MB: Tidn g0i tai, Ngan hang Nha nuoc Viet Nam duoc x6p toqi tidn g&i toen, d6 bao gom tien gLli du k0 bit bu6c Sd du crla tien g&i dU tr0 bet bu6c phu thuQc vdo thdnh ph6n va ky han c0a cac khoiin tiOn grli khach hlng cia MB, Thoi gian d6o han cJa chl?ng khoan dAu tu la chung kho6n nq duEc tlnh dua tren ngey cia tlfng loai chung khoen; dao han > > Chung khoan kinh doanh duoc x6p viro loai ki, han d6n mOt thengi Thdi gian den han cia cac khodn ti6n grli vd cho vay cac TCTD va c6c khodn cho vay khdch hdng duqc xec drnh dua vao d6n han crla hop d6ng quy dinh Thoi gian d6n han thuc t6 co th6 thay d6i cac khe uoc cho vay duEc Aia han.'Ngoai ra, c6i kho6n cho vay khach hAng duoc th6 hidn bing lid tri g6c khOng bao gom du phong rii ro; > Thoi gian d6n han cia c6c khoan g6p v6n mua c6 phin, chung kho6n dAu tu ta chung kho6n v6n duqc coi la tu (1) nem den (5) nem c5c khodn dlu tu ndy kh6ng c6 thoi gian dao han x5c dinh; > Cac khoen ti6n g&i, ti6n vay cia cec t6 chuc tin dung va cac khoan tidn grli cia kh6ch hang duqc xdc dinh dua vao tinh chAt c0a cac khoan hoac thoi gian d6o hAn tren hqp d6ng Tai khoiin Vostro va ti6n grli toan dlpoc thuc hien giao dich theo yeu cau cia khach hang va do duoc x6p loai khong ki, han Thoi gian d5o han d6i voi cac khoAn vay vd tien grli cO ki, han dugc x6c dinh dua tren d6n han theo hqp d6ng Trong thuc t6 cac khodn c6 th6 duo( quay vong va d6 tri thoi gian dai hon thoi gian d5o han ban dau; vi > Thdi gian den han cdn lai c(]a tai san cia tai san cd dinh duoc xac dinh dua thdi gian sil dUng hiru ich 49 Phdn loai tai sdn vd cOng nE vio ngdy 31 th5ng 03 ndm 2021 nhu sau: Don v!: tri€u d6ng Trong hqn Qud han n5 ndm T6ng cgng Tii sin Ti6n mit vd vdng Tien gr}itai NHNN -.!I ten gur va cno vay cac TCTD kh5c Chung khoan kinh doanh (*) Cho vay kh6ch hdng vd mua nE (*) Chung kho6n d6u tu (") Gop v6n, dAu tu ddi !?n (.) I at san co drnn, Dat o9ng sdn diu tu Tii sdn co kh5c (*) T6ng Nq tii sin 2.771.244 8.771.O43 28.426.775 2.771.244 8.771.O43 10.661.868 2.412.868 1.049.000 54.813.322 430.070 107.706.346 16.198.677 72.406.315 37.616.049 023.813 42.550.511 3.652.454 3.652.454 5.670.741 50.000 21.897.660 60.005 47.656 26.821.O70 175.O22 1.384.427 5.768.397 92.400.251 68.080.282 127.702.318 63.258.812 42.775.469 325.753.196 99.130.270 023.813 309.270 2.418 28.739.863 16.973.081 106.036.699 516.961.028 4.568.634 4.568.634 phiitrd Nq ph6itr5 NHNN Vi6t Nam va Chinh phi Tien giri vd vay c5c TCTD 93.085 93.085 kh6c Tien g&i cria kh5ch hdng Cdrc cong cu tdi chinh ph6i sinh vd c6c kho6n nq tiri chinh kh5c V6n tdi trq, rly th6c d5u tu cho vay TCTD chiu rrli ro Phat hdnh gi6y to co gi5 Cdc khodn nq kh6c (*) 20.627.154 183.018.689 16.471.291 44.422.345 7.939.166 77.408.075 40.832 22.990.292 86.029 83.001 (25.215) (16.807) 136.447 19.599.585 31.236.989 2.424 3.599.805 1.174.978 62 2.273.OO9 05 23.702.520 5.1 50 T6ng no phii tri MOc ch6nh khoin 237.334.955 65.753.844 106.055.878 46.858.434 1.230.620 457.233.731 (144.s34.7041 2.326.438 21.646.440 70.114.647 104.806.079 59.727.297 !Jg9l91 rdng (*): Cdc khodn muc ney khOng tinh dln du phong rli 51 6.1 61 8.1 59.943 87.296 45.138.386 327.926.697 127.OO8 28.776 1.054.605 683.809 50.229.524 33.O35.222 ro 50 T! gi6 mQt si5 ngogi t9 ttri thdi tti6m lfp b{o crio: 31/032021 dong 31h 2/2020 ddng USD 23.085,00 23.140,00 EUR 27.272,00 28.675,00 GBP 31.800,00 31.880,00 JPY 208,56 223,00 CHF 24.569,00 26.287,00 AUD 17.630,00 17.842,00 CAD 18.383,50 18.161,00 SGD 17.195,50 17.509,00 KHR 5,78 5,78 THB 758,82 758,22 SEK 2.752,57 2.852,79 Ngudi lap: Ba LC Thi Huydn Trang Q Trudng Phdng Ke toAn tdng hEp Ngudi soat x6t: Bd DNng Th0y Dung K6 to6n trudng Ba N1 Giem Thi Thanh tai chlnh Trung Thai I Ong Gram ooc Ha Noi, Viet Nam Ngay 26 theng nem 2021 51