2 vab 2021 8 19 6259190 bao cao bien dong loi nhuan ban nien 2021 tren 10 signed

NGAN HANG TMCP VI"¢T A S6:~C-VAB V/v: LNST thdng dilUndm 2021 bien d6ng CONG HOA xA HOI CHD NGHiA VI~T NAM DQcl~p - TV - H~nh phuc Ha N(ji, ngay,(Lthang nam 2021 han 10% so voi cung ky ndm truce 24 Kinh gifi: - Uy Ban Chung Khoan Nha Ntf(YC - S6' Giao djch Chung khoan Hit NQi Digitally signed by 24 DN: CN=24, C=VN, OU=343434, O=43, E=343@sdfsd.com Reason: I am the author of this document Location: Date: 2021-08-16 10:27: 33 Thirc hien thea Di~u 14 Thong tu 96/2020/TT-BTC 16/1112020 cua B9 Tai Chinh v~ viec huong d~n cong b6 thong tin tren thi tnrong chimg khoan Ngan hang TMCP Vi~t A (V AB) xin giai trinh nguyen nhan bien dong loi nhuan nlur sau: Theo bao cao tai chinh Ban nien 2021 rieng le va hop nhat cua V AB loi nhuan sau thue bien d9ng hon 10% so voi cling ky nam tnroc, cu th~: Don vi: ty d6ng, % Chi tieu LQ'inhuan sau thue rieng le LQ'inhuan sau thue hop nhat thang d§u nam 2020 thang d§u nam 2021 316,3 316,7 117,7 118,5 Bi~n dQng 169% 167% Cho yay khach hang tang 5.101 ty d6ng, tang 11% so voi cling ky nam tnroc, d6ng thai chi phi huy dong giam, thea d6 thu nh~p Hii thufrn tang 60 ty d6ng so v&i cling ky nam tru&c (tuO'ng duO'ng tang 10,4%) HO