Báo cáo tài chính ngân hàng thương mại cổ phần việt nam thịnh vượng 1603698248

'lr'VPBank tlB*R ltdns Wt Nsm Thhh Vuvng Ngin hing Thuong mai C6 phin ViQt Nam Thlnh Vuqng 86o c5o tdi chinh hEp nh6t gi0a ni6n d6 Qui lll ndm 2020 vd k! k6 todn th6ng k6t thric ngdy 30 th6ng nim 2020 Ngin hdng Thuong mqi C6 phAn ViQt Nam Thinh Vugng MUC LUC Trang 1-2 Th6ng tin chung Bing cAn o6i 16 toan hqp nhAt gioa ni6n dQ 3-5 ,( ,/ I B5o cdo k6t qud hoat dOng kinh doanh hqp nh6t gi0a ni6n d0 BAo c5o luu chuy6n ti6n te hqp nh6t giira ni6n dq Thuy6t minh b6o c6o tdi chinh hgp nn5t gioa ni€n d0 -8 -72 r.J I Ii \ )4 \ NgAn hdng TMCP ViQt Nam Thinh Vugng THONG TIN CHUNG THONG TIN vE NGAN HANG NgAn hdng Thuong mai C6 phAn Vi€t Nam Thinh Vuqng ("NgAn hdng' hoic "VPBank") ld ngAn hdng thuong mai c6 phAn dugc thdnh lflp vd ding kf tqi nudc CQng hda Xa hQi Chri nghTa Vigt Nam Ngdn hdng tluEc thdnh l6p theo GiAy ph6p Hoat dong NgAn hAng s6 OO+ZruU-GP Ng6n hing Nhd nuOc Viet-ruam ("NHNN") c6p ngdy l2th6ng ndm 1993 vd GiSy ch0ng nh?n Ddng kf Kinh doanh s6 0,l00233583 Sd K6 hoach viDAu tu Hd NQi c6p ngAy th6ng ndm 1993, srla d6i lAn th0 41 ngdy 27 thilng 11 ntm 2018 Thdi gian hoqt dQng theo giSy ph6p ld 99 nim k6 tir ngdy 12 thdng nim 993 C6c hoat dOng chinh cia Ngin hing bao g6m thqrc hiQn c6c giao dich ngdn hdng bao gdm huy dQng vd nh?n tidn g}i ngSn han, irung hqn va Oli nan tu c6c t6 chfc vd c6 nhSn; cho vay ngin han, trung hqn vd ddri han O6i vOi c6c t6 ch0c vA c6 nhdn; thUc hi€n c6c giao dlch ngoai te, c6c dich vu tdi trq thuong mqi qu6c t6, chi5t kh6u thuong phi6u, trSi phi6u vA c6c giSy td c6 gi5 kh6c; dAu tu ch0ng tnoan]tr6i pn16u; cung c5p dich vu thanh'to6n, vi didn tiv; dAulu hgp ddng tuong laitr6i phi6u Chinh phfi; dich vr; quin I tal sin; c6p tin dr,rng dudi hinh thOc tai chi6t khAu c6n9 cr; chuy6n nhuqng vd gi6y td c6 gi6 khSc vd c6c dich vr,r ngdn hdng kh6c dugc NHNN cho ph6p V6n didu lQ 12 ndm 2019 la 25.299.680 trigu ddng) ltfri 1( C ;N ,I lr V6n diAu tQ cria NgAn hAng tqi ngdy 30 th5ng ndm 2020 la 25.299.680 tri€u d6ng (tai ngdy 31 th6ng Mqng , hoEtdQng Ngin hdng c6 trq sd chinh dat tai 56 89 L6ng Hq, Phudng L6ng Hq, Qu?n D6ng Da, Thdnh ptr6 Ha (0t ) NOi, ViCt tiam Tai ngdy 30 th6n9 nam 2020] Ng'An hdng cO mO[ (1) Hgi s& chinh, s6u muoi m6t chi nh6nh, mqt trdm i6u muoi lim (165) phdng giao dlch tr6n ci nudc vd hai (2) c6ng ty Ho ooNG OUAN rR! C6c thdnh vi6n Hqi ddng Quin tri crla Ng6n hdng k!' vd vdo ngAy lflp b6o c6o tdi chinh hqp nhAt gi0a ni6n dQ nhu sau: Hq vd tdn Chttc vu Ong Ng6 Chi D0ng Ong Biri HiiQuAn Ong L6 Bdng Giang Ong Nguy6n DOc Mnh Ong Nguy6n Vin Ph(c Ch0 tich Ph6 Ch0 tich Ph6 Ch0 tich Thinh vi6n Thinh vi6n dOc l6P \ Ngdn hdng TMCP ViQt Nam Thlnh VuEng THoNG TIN CHUNG (ti6p theo) aaN xrEnrsoAr C5c thAnh vi6n Ban Ki6m so5t cria NgAn hdng k!' vd vAo ngiy lQp b5o c6o tdi chinh hgp nh6t girla niOn dQ nhu sau: Hg vd tdn Bi Nguy6n Thi MaiTrinh Bd Trinh ThiThanh Hing Bd Kim Ly Huydn Ong V0 Hdng Cao Ch0c Trudng Ban so6t chuy€n tr6ch Thdnh vi6n chuy6n tr6ch Thdnh vi6n Thdnh vi€n BAN TONG GIAM DOC C6c thdnh vi6n Ban T6ng Gi6m d6c nnAt giOa ni6n d0 nhu sau: cia Ng6n hdng k!' vd viro ngAy lQp b6o c6o tii He vd tdn Chttc vtl Ong Nguy6n DOc Vinh Bd Luu Thi Thio Ong Nguy6n Thanh Binh Ong Phan Nggc Hda Bd Duong Thi Thu Th0y Ong Nguy6n Thdnh Long Ong Phqm Phri KhOi Ong Dinh V5n Nho Ong Phirng Duy Khuong Ong Fung KaiJin -^ -rlong uram ooc Ph6 T6ng Gi6m d6c Ph6 T6ng Gi6m d6c Ph6 T6ng Gi6m d6c Ph6 T6ng GiSm d6c Ph6 T6ng Gi6m d6c Ph6 T6ng Gi6m d6c Ph6 T6ng Gi6m d6c Ph6 T6ng GiAm d6c Ph6 T6ng Gi6m d6c (ddn ngdy 13 thdng ndm 2020) chinh hqp NGUOTDAT DrEN THEO PHAP LUAT Nguoi dai dien theo ph6p lu?t crla NgAn hdng k!, k6 to6n chin thSng k6t thyc 1g9y 30 th6ng nim 202b vi vio ngAy tip bbo c6o t5i cninn nqp nh6i gi0a ni6n d0 ld Ong Ng6 Chi D0ng - Chri tich HQiddng Qudn tri Ong Nguyln DOc Vinh - T6ng Gi5m d6c tluEc Ong Ng6 Chi DUng ty quydn ki b6o cao_ !!i chinh hqp nhj-t gi-Oa ni6n d0 kdm theo Ino fy t6 to6n chin th6ng k6t th[c ngdy 30 th6ng ndm 2020 theo Vdn bdn Uy quydn s6 09120121UQ-CT ngdy th6ng ndm 2012 Ng0n hdng Thuong mai C6 phAn ViQt Nam Thlnh VuEng aANrc cAN sOr xE roAN Hgp runAr orUn rurEu BO2a/TCTD-HN o0 tai ngdy 30 th6ng nim 2020 Thuy6t minh ndm 2020 : t n?u oong Ngdy 31 thdng 12 ndm 2019 -i t nqu oong 2.798.877 2.459.321 5.120.560 3.454.138 26.917.855 20.097.553 Ngdy 30 thdng TAt SAN Tiiin mit ving bqc, tl6 quf Tiiin gui tgi Ngdn hing Nhi nu6c ViQt Nam Titin gui vi c5p tin dgng cho cic t6 ch0c tin dgng khic Tidn g0i t?i cdc t6 chrlc tin dung kh6c 7.1 19.215.220 15.482.986 Cdp tin dr;ng cho cdc t6 ch0c tin dung kh6c 7.2 7.702.635 4.614.567 100.400 1.566.s92 100.400 1.571.141 Ghurg kho6n kinh doanh Ch0ng kho6n kinh doanh (4.549) Dq phong nii ro chOng kho6n kinh doanh Cho vay kh6ch Cho hing 2s3.099.865 10 278.025.352 257.1 83.959 11 (4.860.904) (4.084.0%) 78.349.657 68.729.363 12.1 77.730.489 67.786.907 12.2 963.373 1.094.329 12.3 (344.205) (151 873) wy kh6ch hdng DU phdng nli ro cho Churng kho6n wy kh6ch hing ttiu tu Ch0ng khoSn dAu tu sin sing dA b6n Chfng khodn dAu tu gi0 d6n ngdy ddo hqn Dr,r phdng rti G6p v5n, ttiu hr dii hqn DAu 273.164.48 ro ch0ng kho6n dAu tu 13 tu ddi han kh6c dlu tu ddi han Dq phdng Tii san cti alnn rai srin cd ainn h&u hinh 14.1 Nguy6n gi6 Hao mdn I rat san co Olnn vo nnn 14.2 174.124 164.425 238.602 238.602 (64.478) (74.177) 1.824.043 1.922.972 1.227.037 1.342.690 2.382.308 2.380.108 (1.155.271) (1.037.418) 597.006 580.282 Nguy6n gi5 1.245.875 1102.483 Hao mdn (648.869) (522.201) 25.U2.066 25.709.897 15.1 17.529.694 16.925.460 15.2 5.660.772 6.032.377 15.3 2.289.010 2.780.703 15.4 (37.410) (28.643) Tii sin C6 kh6c Cdc khoin phii thu C5c khoin l6i, phi phdi thu Tdi sin C6 kh5c Du phong r0i ro cho c6c tdi sin C6 nqi bing kh6c rOne rll sAtt 4t3.892.030 377.204.126 NgAn hdng Thuong mai C6 phdn ViOt Nam Thinh VuEng B02alTCTD-HN eANo cANro0r xE roAN Hgp ruHAr orUn urEN DO (ti6p rheo) tqi ngdy 30 th5ng nim 2020 Ngay 30 thdng ndm 2020 Thuy6t I minh t neu dong Ngay 31 thdng 12 ndm 2019 -l r nQu oong Nq PHAI TRA C6c khoAn nq Chinh phri nu0c ViQt Nam vt Ngin hdng Nhi t6 15.626 vi vay c6c t6 chuc Hi chinh, t6 chuc tin dqng kh6c 19.492 Ti6n gui 50.867.989 17.1 49.543.378 5.348.308 17.2 4.195.070 38.723.618 cta khich hing Cic c6ng cg tAi chinh phii dnh vi c6c khoin nqtii chinh khic V5n tai trq, riy thic dAu tu, cho vay t6 chunc 18 241.657.962 213.949.568 123.635 45.670 tin dqng chlu rui ro t9 220.291 291.823 Ph6t hinh giSy to c6 gi6 20 58.952.160 57.s99.723 Ti6n grli crla c5c t6 chOc tin dqng kh6c 12.',t4.371 Vay c5c t6 ch0c tdi chinh, t6 chr?c tin dqng khdc Ti6n gui khoin nq khic 13.652.705 12.220.119 C5c khodn lai, phiphditrd 21.1 6.941.653 7.911.819 C6c khodn phdi trd rld c6ng nq kh5c 21.2 6.711.052 4.308.300 364.165.757 334.994.384 G5c TONG NE PHAI TRA vON cHU SO HOU ,1 *l von oreu le Thfng du ron c6 phAn 25.299.680 692.720 692.720 C6 phi6u qu! (2.6e6.030) (2.696.030) 8.710.260 7.107.405 17.719.U3 11.805.967 49.726.273 42.209.742 413.892.030 377.204.126 C6c qu! c0a t6 chuc tin dpng Lgi nhu?n chua ph6n ph6i TONG VON GHU SO HI/U 23 TONG NE PHAr rRA vA vON cHU sO Hlru : 25.299.680 NgAn hdng Thuong mai C6 ph6n Vi€t Nam Thinh VuEng B02alTCTD-HN anNc cAt{ s6t xE roAru ugp ruuAr orue ulEr'r oO (ti6p theo) tqi ngdy 30 th6ng ndm 2020 cnlrEu NGoAt BANG cAr'r s6rrE roAru xge tnAr Thuy1t minh -r NGHIA vU Ng TIEM AN Bio l6nh my lon Ngdy 30 thdng ndm 2020 : t neu dong 25.000 Cam ket giao dich h6i doai 106.006.621 - Cam k1t mua ngoai t€ - Cam k1t bdn ngoai te - Cam k1t giao dich hodn d6i Cam k6t nghiOp w UC C5c cam kCt khac 1.577.709 2.660.957 22.116.713 17.826.899 16.156.865 254.527.530 140.437.112 n -10- 2020 F rJAi l"il VtET I+A Tilil,tH Ha NQi, Viet Nam 3, , NGA\ -t uram ooc lar cnrnn \ ? Nguoi ki6m so6t: Bd LB HoAng Kh6nh An 716.899 97.962.804 20.466.952 j lrU0NG ffig Ke todn Tru&ng 25.262 101.257.412 3.101.009 100.244.655 BAo l6nh kh6c Nguoilap:V Ngay 31 thdng 12 nam 2019 : I neu dong (Trinh bdy lai) VUO NgAn hdrng Thucrng mai C6 phAn Vi€t Nam Thlnh Vuqng B03a/TCTD-HN aAo cno xEr ouA HoAT DoNG KINH DoANH Hgp NHAI orUn rurEru sO Quf lll ndm 2020 vd k! k6 to6n chln th5ng k6t thric ngdy 30 th6ng ndm 2020 LAy kG Thuyilt minh Thu nhQp ldi tuong tqr t lii G cdc khoin Thu nhdp lii thuin chi phltuong Thu nhfp tu hoat d6ng dich Chi phi hoqt dgng dlch W Lii thuin tu hoqt tr,r doanh ngoai 12.883.536 12.969.112 39.013.218 36.459.656 26 (4.gee.6e1) (4.992.144) (1s.407.393) (14.031.380) 7.883.845 7.976.958 23.605.825 1.605.722 1.459.510 4.447.580 vr1 dQng dlch vu (66s.201) h5i thuin tu mua b6n chrlng Lai/(t6) thuin tir mua b6n ch&ng kho6n tliu tu 30 cl6ng 255.196 899.436 (378.581 kh6c Thu nhdp tir g6p v5n mua c6 phin 33 Chi phi dr7 phdng nli ro tin dqrng TRI/oc 34 26.333.510 (8.624.610) (9.141.8ocr) (e.se2.6e2) 2.812.644 2.856.407 9.397.517 7.199.018 (s61.1s0) (573.805) (1.880.e86) (1.445.264) (s73.805) (1.880.e86) (1.U5.2641 2.282.602 7.516.531 5.753.754 (s61.130) 22 24 3.083 : N THU(]NG I,1A] CC VIET I hJAM ViJON ? Bi L6 Hodng Kh6nh An Gi6m d6c Tdri chinh Ha NQi, Viet Nam -10- ?020 2.635 2.536 (10.303.483) Nguoiki6m so6t: He-ng 1.400.082 (3.522.665) IH INH 1.833.540 (433.4s8) (3.872.1s1) * K6 todn Trudng (72s.663) 2.635 2.2s1.s14 tr6n c6 phiriu (VND) t\gurEn-hiThu 2.237.634 17.'.191.710 > Bd 636.584 (87.715) 19.701.000 LOI NHUAN SAU THUE aJ,/' 476.082 6.379.072 THUE TOng chi phi thuii thu nhf p doanh nghiQp Nguoi l6p 871.748 6.684.835 Chi phi thu6 thu nh6p doanh nghigp hi6n hdnh Lii co bin 200.255 (2.786.691) (3.122.2211 Lii thuAn tr) hoat dQng kinh doanh truryc chi phi dr,r phdng rtli ro tin dgng NHUAN 201.568 2.536 32 (117.ss6) 230.385 9.471.526 9.501.293 28.325.610 TONG cH] PHi HoAT DoNG 1.942.163 14s.4s8 520.855 548.869 1.511.971 31 TONG THU NHAP HoAT DQNG LoI 708.524 2.323.086 (4.6M1 Thu nhAp tu hoat dong khdc Chi phi cho hoqt d6ng khdc Lii thuin tr) ho4t 3.946.460 (2.004.297) (126.783) (81.416) (21s.s411 ZB 29 22.428.276 (2.124.494) (750.e86) 940.s21 27 doanh TONG 25 Lai(16) thuAn tr) hoat dgng kinh Lai/(16) d\n G cdc khoin thu nhdp Chi phi kho6n kinh dAu ndm cuot quy Ndm Ndm tnnc TriQu ddng TnQu d6ng Ndm tnnc -l t neu dong Ndm I neu oong t* Qui ttt DOc Vinh -! ^ -lrong Ljram ooc 2.342 ,-\ \ I ii, / I >,1 NgAn hdng Thuong mqi C6 phAn ViQt Nam Thlnh VuEng B04a/TCTD-HN BAo cAo luu cnuvEru rrEru TE Hgp NHAI orUn rurEru o0 Quf lll ndm 2020 vd k! k6 to6n chin th6ng k6t th0c ngiy 30 th5ng ndm2020 Thuydt minh Lr.Pu cHUyEN TIEN Tr/ Cho ky k6 bAn thdng kdt thuc 30 thdng ndm 2020 nQu OOng Cho ky kd ben thdng kdt th1c ngdy 30 thdng ndm 2019 -) t neu oong 39.462.997 (16.374.769) 35.400.640 (12.297.017) I : HOAT DQNG KrNH DOANH Thu nhfp ldi G c6c khodn thu nhQp tuong tu nhin dugc Chi phi l5i rd c6c chi phituong d5 tri Ihu nhQp tu hoat dQng dich W nh?n duqc Ch6nh lech s6 ti6n thUc thu/thuc chi tu hoat d0ng kinh doanh ch0ng kho5n, Gng bgc, ngoaite Thu nh?p khdc Ti6n thu c5c khodn nE dd duqc xrl li x6a, bir dip bang ngu6n dy phdng r0i ro Ti6n chi tri cho nhin r,i6n vdr hoat d0ng quin lV c6ng 4r Tlen thu6 thu nh?p thuc nOp 2.288.575 1.920.289 1.023.522 (52.786) 4r'.1.357 1.553.043 1.253.725 145.002 hoai k! 22 (7.925.835) ( 1.005.802) (8.542.539) (1.495.222) 18.968.945 16.826.235 (3.088.068) (8.341.885) (20.841.3e3) (595.079) (8.876.831) (29.593.485) (e.526.921) (284.398) (9.e10.080) (1.963.206) (3.866) (1.761.375) (1.324.612) 27.708.395 (14.128.887) 1.352.437 9.875.716 dgng Cdc khoin ti6n g0i G c6p tin dqng cho c6c t6 ch0c tin dUng kh6c C6c khodn r,€ kinh doanh ch0ng kho6n C6c khodn cho wy kh6ch hdng Ngudn dy phong d6 bir d5p t6n thSt c5c khodn (cho ray khach hdng, ch0ng kho5n, d6u tu ddi han) Thay tl6i kh5c G tdi sdn hoat dong cl6i vd nq phii tri hoat itflng C6c khoin nE Chinh phi vd Ngdn hdng Nhd nu0c Nhhg Any Viet Nam C5c khodn tidn grli, ti6n ray tu c6c t6 chuc tdi chinh, t6 chr?c tin dung kh6c Tidn grli cria kh6ch hirng Phdt hirnh giSy to c6 gi5 (ngogi tru GTCG phdt hdnh dugc tinh Go hoat dOng tdi chinh) VOn tai trg, iy th5c, cho wy t6 chuc tin dung chiu rui ro C6c c6ng cu tdi chinh ph6i sinh G c6c khodn nq tdi chinh kh6c Thay tt6i khac G c6ng ng hoat dOng Lmr chuy6n ti6n thuin trrr(si, dgng i I ,I + Lrnr chuy6n titin thuin t& hoEt dQng kinh doanh trtroc nh0ng thay d6i vC Ai san vi nE phii tri hoqtdQng Nhhg thay d6i vd Ei Cn \l 34.734.509 (71.532) (24.752) 77.965 't.109.276 (6.518) (471.325) 5.734.343 (5.8e5.078) vio) hoqt dQng kinh doanh I NgAn hing Thuong mai C6 phAn ViQt Nam Thinh Vugng B04a/TCTD-HN BAo cAo Luu cxuyEru rrEN TE Hgp ruHAr orUn NrEr.ro0 (ti6p theo) QuV lll ndm2O2O vd k! k6 toAn chf n th6ng k6t th0c ngdy 30 th6ng ndm 2020 Thuy1t minh nQu oong Cho ki'kd todn thdng kilt thlc ngity 30 th6ng ndm 2019 : I neu dong (16.875) (33.%e) 18.208 1.940 2.536 2.635 3.869 (2s.3741 Cho ki'X6 todn thdng kdt th1c ngdy 30 thdng ndm 2020 t : LUU CHUYEN TrEN Tr/ HOAT D9NG DAU Tr/ sim tii sAn Mua cO Oinn ll6n thu tu lf , nhuEng b5n tdi sin cO Oinn ll6n thu c6 t0c G lqi nhuin duoc chia tir c6c khodn dAu tu, g6p r,6n ddi han Luu chuy6n ti6n ttp/(su drlng vio) hoqt dQng tliu tu \ l Lr/u cHUyEN TIEN THUAN Tr/ HOAT D9NG TAr CHiNH < I lr ll6n chi to6n GTCG dai han c6 di di6u ki€n tinh Go v6n tU c6 G c5c khoin u5n ray dii han )., (1.000.000) (1.000.000) kh6c Luu chuyrin tiiin srl dgng vio hoqt dgng Gi chinh Luu chuyiin ti6n thuin k!' Tidn vi cic khoin tuong tluong tiiin diu ki Tidn vi c6c khoin tuong duung tiiin cu5i ,*/ Nguoi lQp: fy 35 5.738.212 {6.s24.4s2! 21.396.U5 28.021.672 27.134.657 21.097.220 nn? Nguoiki6m so6t: IlU0Ntt iii Y'EI iC i,JA i ,r/iilH yu0 il Bi Nguy6n Thi Thu Hing K6 toan Trudng Bir L6 Hodng Kh6nh An \ Gram Ooc lar cnrnn Ha NOi, Viet Nam -10- 2020 I Oc Vinh , -,lo ng GiSm ooc / Ngdn hdng Thucrng mai C6 phAn Viet Nam Thinh Vugng BO5/TCTD-HN rHuYEr M|NH BAo cAo rAt cHlrun nop ruHAr ctun NrEru DO (ti6p theo) vi cho fy t6 toan chin th6ng f6t tnUc cirng ngdy tqi ngAy 30 th6ng nim 2020 41 cniu 41.1 Rii to tin dqtng (ti6p theo) M(rc sAcH ouAN LY RUr Ro rAr ctir,rx (ti6p theo) rii ro tin dqtng t6i da chua tinh d6n tiii siin th6 chdp hof,c cdc biQn phdp gidm thi6u rhi ro tin dyng Mrlc r0i ro tin dr,rng t6l Oa A6ivdi m6i nh6m tii sin bdng vdigi5 tri ghi s6 gQp cia nh6m tdis6n tii chinh d6 tr6n bing c6n 06i t6 toan hqp nh6t gi0a ni6n d0 duqc trinh bdy nhu sau: Dd qud han Chwa t Ti6n grli c6p tin dung cho c6c TCTD kh6c Ti6n ghi tqiTCTD - khdc - Cdp tin d(ng cho cdc TCTD Khdc ChOng kho6n kinh doanh Cho wy kh6ch - neu oong tnQu cnng T6ng cQng neu ctong t : : neu oong 19.215.220 19.215.220 - 7.702.635 100.400 78.693.862 cang t 26.917.855 tu - I lQp dq phdng 26.9',17.855 253.1 3.636 Chung kho6n dAu tu sdn sdng dd ban Chung kho6n dAu tu giT den ngdy d6o hAn Tdi sAn C6 kh5c -t!ong b!gidm gid hdng ChOng kho5n dAu fich nhtmg chu,a qud hAn : Dd qud hqn vd dd 3.039.254 7.702.635 100.400 21.872.462 278.025.352 - 78.693.862 77.730.489 77.730.489 963.373 963.373 25.428.219 3U.253.972 3.039.254 5',1.257 25.479.476 21.923.719 409.216.945 Bing tr6n th6 hiCn trudng hop x6u nnSt vOi moc d0 mAt v6n t6i da coa NgAn hdng tqi ngdy 30 th6ng nlm2020, chua tinh O6n OAt k! c5c tiisdn th6 ch6p duqc nim gi0 hay c6c bi6n ph6p gidm thi6u rOi ro tin dr,rng ndo Cdc tdi s6n qu6 han crla Ng6n hdng duEc ph6n loai theo tung tl6i t6c c6 nli ro tin dgng theo phuong ph6p dlnh luong duoc hudng dan theo Th6ng tu s6 02/2013/TT-NHNN vi Th6ng tu s6 lr,potgnr-BTC sin tdi chinh il6 qu6 hqn nhung chua bi gi6m gi6 ld Ngdn hing vd c6c c6ng ty dang n5m gi0 cdc tdri sin tldm bdo tti bn dip c6c t6n th6t tin dung theo quy dinh hi€n hdnh hoic tdri sdn tdi chinh qu6 han nhung chua cAn trich lfp dr,r phdng theo quy dinh c0a phSp luQt C6c tdri nim giu c6c tdi sin dim bAo li b6t dQng sin, dQng sin, c5c gi6y td c6 dim bio kh6c cho c6c tdi sin ndy NgAn hdng chua x6c dinh duqc dAy dri gi6 tri hqp lf crla cdc tii sin tldm bdo nAy chua c6 c5c hudng d5n cU thd cUng nhu NgAn hing hiQn dang gi5 vd c6c loai tdi sin chua c6 c6c th6ng tin th! trudng cAn thi6t 58 Ngin hdng Thuong mai C6 phAn ViOt Nam Thinh VuEng eos/rcrD-HN rHuvEr M|NH BAO CnO rAr CHirrrH Hgp ruHAr crun NrEru oO (ti6p theo) tai ngdry 30 th6ng ndm 2020 vd cho fy f6 toan chin th6ng t