Báo cáo tài chính hợp nhất quý 3 năm 2015 - Ngân hàng Thương mại Cổ phần Việt Nam Thịnh Vượng

'{l',UpBan AbGn Fl*ng V{gt }.la|n Thinh ( t\ \ 86o c6o trii thring {hdnh lhdnh lhdnh m tliSc { Ph6ld Tpng Ph6 T'6 plh6 16 PII6 T6 Prl6 T6: Ph6 T5 Pt16 T6r theo Cfri ticl g Trdn Hrtrrg E tri tA f\tem l';TJ.llx?llTn-#lm,il,"":l;:"Tfif; MAu B02aITCTD-IIN th theo Th6ng ta s6 qstzol q[f_ _T#i J"** (Ban 3.1/I2D0I4 hdng Nhd Thuy6t l5 minh A rAr sAN I Tidn m{t vd vdng T 37/72/2074 \4YD Trigu MyD 1,688.s56 r.3s8.034 2.7s7,779 3.701.393 6.246,364 8.298.547 13,924.797 2.300.846 8.169.368 fV kh6c Chring khorin kinh a.,l.r r 630.402 (221.ss1) (6.4s1) J 4.243,718 4.260.016 (16.298) 488.958 (2.820) 68.529 Vj I Yt I cw Thilng d.ic wdc ViQt"Nan CIo vay khrich hdng uho vay kh6ch hAne phdng rdi ro cho- vay kiuich D! I ll hrinp (l Ho4r tlQng mua nq lvlua ng Du'phdng rrli ro hoat d6nt mua no 1.082 77,255,692 78.378.832 (r 123.140) 044.783 83.701) - 47,960.783 44.189.329 4.022.686 (2s1.232) 7I.831 72.304 (473) Ng.ryEn b Gid tri hao mdn Ifiv kii Tdi s6n c(j dinh v6iinh a NguyAn b Gid tri hao ndn tfqt ki! IX gid I Bdt dQng sin tIAu tu Nguydn giri cje tri hao nidn tfiy krl x Tii I 28.775 29.96s (t.790) sdn c6 kh{c C6c khoan phii thu Cdc khoAn lai, phi phAi rhu r ar sdn co kh6c TrolF 602.947 291.025 596.927 (3 05 e02) 311.922 437.365 (t 2s.443) gid d6: th6 thu.ctng mqr , , Lqi LrF ^.- pnong rui ro c6c 1di srin cg r4.094,008 3.9 kl6c 722 +.) i 889 3.64 833 69 ss9) TONG TAI SAN 060.7 t6 4.114.405 3.174.284 62.42I (25s.397) 763,241.378 Cdc thuyilt minh dinh kifi Id bQ phQn hop thdnh btio rdi chinh nhtit ndy i I_*:"13lgln"ong todn ,Tt!-,|ffi ff s :Ii m4i cii prrln \/i6r Nam Thinh sp n r'iif 4i ngav ro h ;;;;;;';# l{qpHArrR,( vA t6Ncn0sdrretr I 10 _ 832.ss5 II 7l I III 1t IV _ v 215333 378.762 Phrit hAnh gi6y td c6 gi{ vII I ns.246 20.F17.s33 72.409"s44 |$l:;; ilfl"lll rdwcNgrnlrrna 154,26t.083 v6wcnOsdnrru v,ttt va cec |?n oui 8.980.290 6.348.779 6.347.410 I Loi nhudn chua phrin phtii rONG vON cHri sorrltr Lorfcu cd EdNc 369_ 541.381 2.090.130 8.980.290 rOwcngrur:irrM 763.241.378 uqng M6u B82aITCTD_HN theo Th6ng tu st; 49/20 I ngdy 3)/t2/2014 cua Thijne d6c Ngdn hdng Nhd nuoc tti€t"Nanl ripu \4yD 37/12/20r4 Tri6u MyD 1.500.857 51.s00.731 1.549.963 L 548.727 402.04l ,t 37.660.630 924.626 926.765 5.809.2 39 EanE 6i41.2;1 6.934.3)3 3.094.341 2.610.856 6.464.7)8 r t 680.163 t I \ Ngui Nguy6n Th! Thu Hane K€ totin Tru.ottg Lrrl Thi Tirio Ph6 Tdng Gidnt ddc ki€m Gidm diic Tdi chinh Eric Vinh T6ng Gidn d6c | *:i.nllg rllorg o"u hosr "t;;;lrlu, m4i Cti phAn vigt Nam Thinh kinh a*"1, i"p _ trQng "i?, 6ry MAu B03a/TCTD_HN (Ban theo Th6ng ru sd 49/2014/TTThrjns dic Vi(r Nanl lcdy NgAn Lny t6 tri,ttdu nnm diln NEm i I LEi tu l8 5.101 l8 Q.212 18 2.889 tt thuin tn.hoat tlQng 444 (181 Tripu 2.816 ().71s 1.1 253 r75 5{ diih vq Lai(L6) rhuan tn.kinh doinh r[ ngoqi hoi ve IV vI c chi phi trl.one vd Tri6u hoet dQng dicl vu Lnr phiho4t d6ng dich vu IT Chi phi ldi Thu nh?p ciic khodn rhu nido Thu nh{p tai thudn U ldi Thu nhfp ru ong tU Ndm ving 77,86t (L6)4ei thuin tr).mua bdn khodn kinh doanh [lhfng Lai thuin tri.mua bdn chi.rte r(horn aleu - tu 19 (930) Z0 2l.gi7 (3 2s2.r24 Thu nhrlp rr} hoqt dQng kh:ic chi phi hoat dOne rr,a- Lai thudn rt hoat dQng - 13.409.482 ,*r_ 592.654 Z Chi phi dql phdng riii ro tin qgng T6ng tqi nhufn tru.ric thu6 Chi p]l1thu6 thu nhap doani hren hani (j58.682) 1.216.907 uJhi€p { 182.6 r s) r9.388 8.656.749 (6.1)2.2691 $.132.256) 7.297.213 1.083.969 3.524.493 s9'1.102 (206.108) (493.064) 590.905 391.594 (e2.030) ,16.728) 17.230 99.129 9.636 / 433.587.', 79.402 (87.293) (3s.302) 536.929 44.100 4.787 6"902 (3.666.227)" IX X Nim tru.dc Tri€u VND 624.222 i^tir?ri khdf cu6i quf ndy TriQu VND N{m Q.4ss.294) 4.181.930 I.898.290 (2.4s3.404) (ss1.940) 2.32,8.526 1.346.3s0 (429.581) Q7 6.00e) 264 (429.317) (17 6.009) 1.070.341 Vinh Gidnt dtic ( Miu B04a/TCITD-IIN theo Th6ng ta sd 49/2014/TT_ 31/12/2014 c a Thdns dajc Ngin hdng Nhd na.dc ViQt-Nan) Giai tlopn til ngdy 1/1/2015 ditn ngiy LI,t]CHUYTN 0l 02 03 04 05 Thu nh{p ldi vd cric Chi phi lai vii cric chi Thu nh6p til hoat ddn! ich vu nh6n du'o-c Chenh i6clr sti tidn thur thu/(thuc chi) tu hoat d6ng doanh ngoai h6i vd c Chdnh l6ch s5 fi6n rhu,c thuAn tr) hoat d6ng kinh chung khorin kin h d Ti6n thu cric kho6n no ngu6n rrli ro 07 08 09 vd chtnrg kho6n dAu tu c xrl' l1l x6a, bn dip bing Lu'u chuyi6n ti6n thuAn :it ho4t tlQng kinh doanh trufc nhfrng thay v6 tii srln vd nq hogt tlQng hogt 09 10 CAc c6ng cu trii chinh p 12 Cho vay kh6ch hdng Sri dung du phdng d6 bi chLing kho6n, dAu tu d Tdi sin hoat d6ng khric t3 t4 15 16 Ilr.ne lhay t6i vi uac nq h khoan no Chinh phti Ti6n gri i vd vay tn c6c td 17 khorirr kinh doanh sinh vd ciirc c6ng cu tdi chinh t6n thAt cric kho6n tin r hAn tlong NHNN \Ii6t NAM tin dung khric t8 19 20 2\ 22 I ddu tu ciro vay t6 chric Cric c6ng u tdi chinh phrii sinh vd no- tdi chinh kh6c Cric khoa; no hoat dQng kl Chi tir c6c qu! "H#TJlNfrEN ngiy 30/9/2Q14 Tri6u VIr{D Trigu VND 12.858.800 (s.303.442) 8.200.s54 (s.431 s41) 592.221 392.912 47.990 (e4.421) 93.082 448637 ...S),\SSf{B rvcAr: HAxc rHU'oNG u4r co pnAN sal coN - HA Nor 7l Trin Hung Dao - QLran Hoan Kiern - Ha N6i 86o c6o tii chinh hqp nh61 Quf III nIm 2011 N{Au sii: Q-01a Tel: 04.39423388 Fax 04.39410942 Chi ti€u TD - BANG cAx ool KE ToAN M5 chi ti6u ThuyOt minh Sii cu6t t5, Don vi tinh; Vl\rI) 56 oiu nam TAI SAN Tidn m5t, vbng bac, tI6 quf Tidn grii t4i NI{NN Ti6n, vhng gii tai c6c TCTD kh6c vA cho vay c6c TCTD kh6c Tien. vang gui tlr cac TCTD khric Cho vay cric TCTD khric Dr,t phdng rui ro cho vay ciic TCTD kh6c Chfng kho6n kinh doanh Chnng klroan kirrh doanh Du phdng gidrn giri chung khodn kinh doanh C5c c0ng cg thi chinh ph6i sinh vi c6c thi srin thi chinh khdc Cho vay.kh6ch hing Cho vay khiich hing DU phdng rui ro cho r.,ay khdch hing Chring kho6n tlAu tu' Chung khoin daLr ru sin sang dd ban Chung khoiin dALr tu giir d6n ngiry d6o han Dr,r phbng giam gi:r chunc khoin dau ru III G6p v6n, tlAu tu dhi han , ^l r taLl nJ vao coltg t) con 2 Vdn g6p liOn doanh 3 EAu tu vbo c6ng ty li€n kOr ,1 DAu tu dhi han khiic 5 Du phbng giam gia dau tu dai han IX Tii sen c6 dinh I I ai san co dinh huu hlnh a Ngu1,€n gid TSCD hilu hinh b Hao mbn TSCD hfr,u hinh ; _. , 2 I al san co dinh rhuc tai chinh a NgutAn gid TSCD b HaomdnTSCD ; , 3 -l'ui san co dinh r o hlnh a NguyAn giti TSCD vb hinl't b Hao mdn TSCD v6 hinh X n6r Oqng san rlau tu' a Nguyen gir{ BDSDT b Hao mbn BDSDT XI Thi sdn C6 kh6c I C6c khoan phrii thu 2 Cdc khodn ldi, phi phdi thu 3 Tii san thu€ TNDN hoin iai 4 Tii srin C6 khdc - Trong do. Loi tlrt; thLrrng mai < il^ t-L^1 -1, ,r-\ J u e Nrv4u uu pilulig rul tu ullu cac lal sall r_o nol oang Knac TONG TAI SAN CO A. I II III I 2 3 Iv I 2 V VI I I 15 l6 t7 110 t20 130 131 IJL t39 140 t41 149 150 160 l6l r69 t70 171 172 179 2t(l 211 zt2 213 2t1 219 220 221 ^ 222 223 aa / 225 226 22'l 228 225 24(l 241 24) 250 251 252 253 251 255 259 300 18 312,041,555,960 599,69r,351,22r 19,470,095,722,999 19,470.095.722"888 39,734,939,419 40.418,41r,187 (683.472,068) 8,712,466,949 27,958,61.6,951,359 28.267 .266.631.476 (308,649,680, I I 8) 12,142,510,442,769 8,311,537.779,569 3.844,340.000,000 ( 13,367.336.800) 1,560,404,000,000 I .560,404,000.000 2,187,573,379,301 L38,052,217,112 208.556,361 .788 (70,504.114.616) 2,049,527,I62,L99 2,058.899,1r8,391 (9,3',77 ,956.2-02) 5,472,189,495,579 I ,906,591 .071,481 2.72I ,330,599.985 841,261.814,\t3 69.7sr.570.298,243 201,670,991"695 505,232,494,764 I1,636,740,990,717 il ,636.710.990.7 t7 98,828,39tt,041 99,5 1 1,870,1 09 (683,472,06E) 24,103.032,795,683 24.375.5 88,493,5 62 -272,555.697 ,8'79 8,767,942,245,709 7,481,361 ,1 19.909 1.300,000,000.000 (13.418,874,tt00) 333,389,000,000 333.389.000,000 1,526.153,919,690 L26.554,397,690 17 6.7 65.4'l6.626 (50,21 1.078,936) 1,399,599,422,00(l 1.406,365,498.441 (6;t66.016.44t) 3,859,970.637,496 2,030.461 .983.684 957.082.854.329 817,325.799.483 51,032.861.262,594 2 VT 19 20 2l 'r) 23 25 Chi tiOu l\{A chi Thu5'6t tiOu minh 56 cudi kj 56 tldu nim B NOpnAr rnA vAvoN cHUSoHUU I C6c khoin ng Chinh phri vh NHI{N II Ti6n gfri vh vay ciia c6c TCTD trh6c I Ti€n grii c0a cdc TCTD kh6c 2 Yay cdc TCTD khric III Tidn giii cria kh6ch hing IV C6c c6ng cu thi chinh ph6i sinh vh c6c khoin ng'tii chinh kh6c V Viin tiri tro. , uy th6c tliu tu', cho vay mi TCTD phfri chiu rti ro VI Ph6t hnnh gi6y td'c6 gi6 \-II C6c khoin No kh6c I Ciic khoan lai. phi phai tra 2 Thu6 TNDN hodn l4i phai tra 3 Cdc khoan phai tr a r a cong no khac 4 Du phbng rui ro khdc Tdng Nq'phdi lra VIII \r6n v]r cdc qu! I V6n cLla TCTD ,,; z.) a I on dleu le b Ydn dau tU XDCB ' ; . ': c I hanp au t'un co pnan d Ca pitiau qut ^^ . ': e Lo phteu 101 SHB SODA par , flexible sertullOns NGAN HANG THLAING MAI CO PHAN SAI GON - HA NQI 77 Tran Hung Dao - Quart Hoan Kiem - Ha N6i Bao cao tai chinh hup nhilt Quj , III nam 2013 MAu so: Q-Ola Tel: 04.39423388  Fax: 04.39410942 TD - BANG CAN DOI ICE TOAN Ma chi Thuyet Chi tieu tieu  minh SO cuOi ky Dan vj tinh: VND SO dau nam A. TAI SAN I  Tien met, yang byc, da quj , 110 15 623,083,804,931 484,886,843,676 II  Tien gill tyi NHNN 120 16 1,784,359,826,247 3,031,869,478,896 III Tien, yang girl tai cac TCTD khfic va cho vay cac TCTD khfic 130 17 18,961,441,701,651 29,862,247,689,870 1  Ti&t, yang girt tai cac TCTD khac 131 5,857,046,281,215 20.996,607,849,870 2  Cho vay cac TCTD khac 132 13,144,085,001,951 8,890,044,000,000 3  Dv ph6ng rut ro cho vay cac TCTD khac 139 (39,689,581,515) (24,404,160,000) IV Chirng khoan kinh doanh 140 18 36,137,812,839 13,387,278,997 1  Chirng khoan kinh doanh 141 60,076,686,487 40,564,341,662 2  Dv ph6ng giam gia chUng khoan kinh doanh 149 (23,938,873,648) (27,177,062,665) V  Cie cong cy tai chinh phai sinh va cac tai san tai chinh khac 150 19 5,846,612,060 VI Cho vay khach hang 160 63,744,039,590,515 55,689,293,497,804 1  Cho vay khach hang 161 20 65,487,354,474,974 56,939,724,328,665 2  Dv phong rui ro cho vay khach hang 169 21 (1,743,314,884,459) (1,250,430,830,861) VII Chun khoan dAu ttr 170 22 14,669,905,849,834 12,699,275,940,349 1  Chimg khoan dau to sari sang de' ban 171 8,918,837,200,346 8,418,595,920,125 2  Chimg khoan au to giu d6n ngay dao hart 172 5,760,197,088,505 4,790,543,803,540 3  Dv ph6ng giam gia chimg khoan au to 179 (9,128,439,017) (9,863,783,316) VIII GO von, dau ttr did han 210 23 358,872,725,396 391,703,076,159 1  Dau to vao ding ty con 211 2  V6n Op lien doanh 212 3  Dau to vao cong ty lien ket 213 4  Dalt to dai han khac 214 410,841,525,375 435,325,959,557 5  Du ph6ng giam gia dau to dai hart 219 (51,968,799,979) (43,622,883,398) IX Tai san co dinh 220 4,058,534,993,267 4,127,126,715,658 1  Tai san c6 dinh hCru hinh 221 24 337,026,192,366 398,882,910,853 a  Nguyen gici TSCD hiru hinh 222 630,549,369,890 700,243,028,124 b  Hao mon TSCD hiru hinh 223 (293,523,177,524) (301,360,117,271) 2  Tai san c6 dinh thug tai chinh 224 a Nguyen gia TSCD 225 b Hao mon TSCD 226 3  Tai san co dinh vO hinh 227 25 3,721,508,800,901 3,728,243,804,805 a  Nguyen gia TSCD v6 hinh 228 3,835,262,095,139 3,817,078,738,298 b  Hao mon TSCD vO hinh 229 (113,753,294,238) (88,834,933,493) X  Ilk Ong san dau ttr 240 83,787,448,216 85,456,213,521 a  Nguyen gia BDSDT 241 83,787,448,216 85,456,213,521 b Hao mon BDSDT 241 XI  Titi san Co 'iliac 250 26 12,444,145,777,722 10,146,519,975,976 1  Cac khoan phai thu 251 2,095,147,103,430 1,494,164,515,889 2  Cac khoan lai, phi phai thu 252 5,613,745,705,749 4,460,580,779,664 3  Tai san thue TNDN holt lai 253 11,977,838 109,916,033 4  Tai san Co khac 254 4,806,740,948,361 4,256,392,881,058 - Trong do: Lai the thtrang mpi 255 5  Cac khoan du phong rui ro cho cac tai san Co nOi bang khac 259 (71,499,957,656) (64,728,116,668) TONG TAI SAN CO 300 116,764,309,530,618 116,537,613,322,966 Ninh THE Lan Phtrang Ha nOi, Ngity thong nom 2013 s \ Tang Giant DOc MA chi Thuyet tieu  minh B NO PHAI TRA VA VON CHU SO HIV I  Cite khoan nq Chinh phu va NHNN II Tien OH va vay cua cac TCTD khic 1  Ti6'n gui cua cac TCTD khac 2  Vay cac TCTD khac III Tien girl cua khach hang IV Cie cong cy tai chinh phai sinh va cac khoin nq tai chinh khac V  Van tai try, uy thac dau ttr, cho vay ma TCTD phai chin rui ro VI Ph& hanh giAy to ce gia 310 320 321 322 330 340 350 360 VII Cac khoan Nq khac 370 1  Cac khoan lai, phi phai tra 371 2  Thud TNDN hoan 14i Chi tieu A. TAI SAN I Tien m#t, yang bac, di quy II Tien ph tai NHNN III Tien, yang girl tai cac TCTD khac va cho vay cac TCTD khac 1 Tien, yang gfri tai cac TCTD khdc 2 Cho vay cac TCTD khdc 3 Dv phong rid ro cho vay cac TCTD khdc IV Chungkhoan kinh doanh 1 Chung khan kinh doanh 2 Dv phoang giam gia chimg khan kinh doanh V Cfic ding ca tai chinh phai sinh NT?' cac tai san tai chinh khac VI Cho vay khach hang 1 Cho vay khach hang 2 Dv phong rui ro cho vay khdch hang VII Charng khoan dAu tn. Chung khan dAu tu sgri sang a ban Chi'mg khan au tir gig . den ngay dao han phong giam gid cluing khoan dau tu Op vim, dAu trr dhi han Dfiu tu vao Ong ty con 2 Von Op lien doanh 3 DAu tu vao cling ty lien ket 4 DAu tu dai han khdc 5 Dv phong giam gid dau tu dai han IX Thi san co dinh 1 Tai sari c6 dinh huu hinh a Nguyen gici TSCD hiru hinh b Hao mon TSCD halt hinh 2 Tai san c6 dinh thue tai chinh a Nguyen gia TSCD b Hao mon TSCD 3 Tai san c6 dinh v6 hinh a Nguyen gia TSCD v6 hinh b Hao mon TSCD vo hinh X BAt ding san dill tit' a Nguyen gid BDSDT b Hao mon BDSDT XI Thi san CO khac 1 Cdc khan phai thu 2 Cat khan lai, phi phai thu 3 Tai sari thue TNDN hi:An lai 4 Tai san C6 khac - Trong do: LQI the thwang 5 Cac khan dv phong rui ro cho cac tai san CO nOi bang khde TONG TAI SAN CO HANG CO " PHA ' fi Ndi SHB ;K1  ners flexible solutions NGAN HANG TH1.CONG MAI CO PHAN SAI GON - HA NQI 77 Trail Hung Dao - Quan Han Kiem - Ha NOi Tel: 04.39423388  Fax: 04.39410942 TD - BANG CAN DOI la TOAN Bio cao tai chinh hqp nhAt Quy III tam 2012 MAu Q-Ola Ma chi Thuyet tieu  minh SO cool kST Dan vi tinh: VND SO dAu nam 110 15 656,869,462,476 425,218,979,260 120 16 1,666,848,123,213 35,111,525,637 130 17 26,064,764,559,902 18,845,174,632,855 131 26,064,764,559,902 18,845,174,632,855 132 139 140 18 138,878,102,135 17,804,172,427 141 170,863,556,880 36,165,293,695 149 (31,985,454,745) (18,361,121,268) 150 19 2,434,936,718 4,035,834,699 160 45,249,713,851,940 28,806,884,090,215 161 20 47,082,254,769,228 29,161,850,639,905 169 21 (1,832,540,917,288) (354,966,549,690) 170 22 13,512,389,921,384 15,097,394,499,737 171 7,911,063,771,482 12,501,240,153,537 172 5,717,151,754,367 2,610,840,000,000 179 (115,825,604,465) (14,685,653,800) 210 23 1,264,074,571,909 333,313,240,893 211 212 77,000,000,000 213 214 1,216,818,717,588 334,289,000,000 219 (29,744,145,679) (975,759,107) 220 3,612,596,741,142 2,254,982,825,323 221 24 391,243,370,640 167,781,341,002 222 673,645,000,121 252,783,546,659 223 (282,401,629,481) (85,002,205,657) 224 225 226 227 25 3,221,353,370,502 2,087,201,484,321 228 3,293,173,921,165 2,106,146,460,886 229 (71,820,550,663) (18,944,976,565) 240 70,551,999,441 241 70,551,999,441 241 250 26 11,546,251,980,885 5,169,621,880,976 251 2,890,102,541,064 2,599,670,439,052 252 3,980,705,738,526 1,645,443,688,789 253 254 4,675,443,701,295 924,614,419,802 255 259 (106,666,667) 300 103,785,374,251,145 70,989,541,682,022 Chi tieu B NO PHAI TRA VA VON CHI . ) Sd HirEJ I Cic khoin nq Chinh phii va NHNN II Tien giri va vay ciia cac TCTD khic 1 Tien gin cna cac TCTD khac 2 Vay cac TCTD khac III Tien giri cua khach hang IV Cac ding cy tai chinh phii sinh va cac khoin nq tai chinh kink ✓ Vim tai trq, us , thac dku fir, cho vay ma TCTD phai chiu riii ro VI Phat hanh giAy tb . c6 gia VII Cac khan Nq khac 1 Cac khoan lai, phi phai tra 2 Thud TNDN hoan lai phai tra 3 Cac khoan phai tra va cong no khac 4 Dv phong rdi ro khac TOng Nq phai tra VIII VOn va cac quy 1 Von cua TCTD a Van cli"Ju re b Vein clau to XDCB • Thang du van ca phan d Co phi& qui", e Co phi& teu dai g rsTkizac TCTD 7 . 4 ) 7q4411 le'ch tSr gid hOi dodi :41, citkpAch danh gia lai tai san \ pi Ottan chua phan phOi 4 taieua co ~(()JA\fi'i)IHI fi'i)~IHIII~~ VOl NGAN HA.NG Bao cao tal chinh hq'p nhat DUOIGOCNHiNCUANGANHANGTHUONGMAl TS Ph~m Quang Trung * I s~ cANTHIEt.CUAH~ THONG KE ToANHI;JP NHATTRONG T4PDOAN dLIqcxemxettreng6cdQkhacvai cac KINHDOANH giao dich kinhte ben ngoait~p doan ThlfctienquanIyva ki~msoath09t Cac phLIongphapki~msoattal chfnh dccac nh6mgiao dich n('>ib('>nhlI sau: muabancachanghoa,dichvI,! 5- Nghi~pvI,!xuc tien ban hang, phoihqptieuthl,!vataitrqchoquatrinh tieu thl,! san ph~m,ch~ng hl\ln nhlI: Congty thanhvienA banotochokhach hangvacongty thanhvienB (thlIangla m('>tcong ty tai chfnh)se cho khach hang d6 vay tien d~ thanhtoan cho congty A, ho~ccongty tai chfnhB n6i trenc6th~thl!chi~ncacnghi~pvI,!cho thue(leasing)ho~ctai trq muatrag6p PhlIangthuc phoi hqp bien trongcact~pdoanotova congnghi~p n~ngnhlI Ford MotorCorp.,General Motor (GM), Toyota,HyundaiCorp., 1- HOl\ltd('>ng dautlI vonva rutvon MitsubishiCorp 6- Nghi~pvI,!tai trq ho~cho trq Un dautlI cuacongty m~doivaicaccong b('>, trongd6m('>t congtythanh ty thanhvientrongt~pdoan.Nghi~pvI,! dl,!ngn('>i naycOngthu('>c nh6mhOl\ltd('>ng dautlI vien (c6 th~ la m('>tcongty tai chfnh) nhlIngdlIqcthl!c hi~nbai congty m~, cungcap von cho m('>tcongty d6 c6quanh~ m~tthietvai sl! ki~m vienkhacho~cgiuacaccongty c6cac soatcuacongty m~va chienIlIqcphat giaodjchtaitrqd~cbi~tnhamthl!chi~n tri~ncuaTDKD thanhcongnhungdl! an ho~cchlIang 2- Nghi~pvI,!dau tlI von cua m('>t trinhcl,!th~ 7- CacgiaodichcungcapnhLrngIqi cong ty VaGm('>tcong ty thanhvien khac,ch~nghl\lnnhlI m('>t congty mua fch d~c bi~t, ch~nghl\lnm('>tcong ty co phieucua congty khactrong t~p thanhvien chuyenmonhoatrongITnh doan.NglIqcIl\Iivai giaodjchnaycOng vl!c marketingto chucchiendjchquang c6 10l\lihOl\ltd('>ng rutvondautlI (disin- caochungchocat~pdoanvacaccong vestment).Do moiquanh~ dautlI nen ty thanhvien kMc dlIqc therahlIang conphat sinhnghi~pvI,!trava nh~nIqi nhung tac d('>ngcua quang cao ma tuc co phangiuacacchuth~trongt~p khongphaitra tientrl!c tiep doan 8- Nghi~pvI,!thanhtoancackhoan 3- Quanh~muabanhanghoa,dich pMi thuvacackhoanpMi tragiuacac vI,! ho~c trao doi hang hoa dich vI,! chuth~trongt~pdoan,dayla cachOl\lt Nghi~pvI,!mua ban,trao doi cac ban d('>ngtai chfnh pMt sinh m('>tcach solol\li ph~m, linh ki~n, chlIa hoan thlIangxuyen.Ngoaira,conm('>t thanhquatrinhchetl\lOdoc6sl! tiepnoi nghi~pvI,!khaccandlIqcxemxet ve quytrinhcongngh~.LOl\ligiaodich III MOT SO Guil PHAP NHAM xAY DI!NG d~c bi~t bien cac t~p vA UNGDUNGKETOANHIJPNHAT doan che tl\lOcong ngh~ Ian nhlI 'VI~T NAM Mitsubishi, Toyota, General Motor, Samsung,LG, Doc6sif lienket theo ThO'nhlt: Cacngan hang thllang chieudQcve m~tcongngh~nenthong mqi can cJitienphongtrangnh?ntMc thlIangcaccongtythanhvienthl!chi~n ve bao cao tai chinh hqp nMt Vi~c chuyenmonhoa,damnh~nm('>tkhau ki~msoat va quyetdjnh cungcap Un sanxuatchebienxacdinh,do d6 giua dl,!ng,quyetdinhdautlI cuanganhang cac congty thanhvien phai mua ban doi vai m('>tdoanhnghi~pc6 cau truc cac banthanhph~m,cac linh ki~nd~ "m~ - con"phaidl!atrencacbaocaotai lap raprathanhph~mhoc'mchinh chfnhchfnhxacvaminhbl\lchmachic6 4- Cac hOl\ltd('>ngmua ban ho~c ketoanhqpnhatmaic6th~ cungcap traodoitaisancodinhgiuacaccongty Da c6 trlIang hqp ngan hangthlIang thanhvien.M('>tcongty c6 th~ muatai ml\likhOngc6dukhanangchuyenmon sancodjnhcuam('>t congty thanhvien d~th~mdinhtinhhinhtai chfnhcuacac khac;giaodjchnaycOngtlIangtl! nhlI doanh nghi~pdi vay cac dOi;!nh '-60 nghi~pd6 dlIqc "nap b6ng"duai"* cautruc"m~- con" phuc t9p nhuC6n~ ty MinhPhl,!ng Trongnhungnamveraqua,m~cdu maichi c6 m('>tso ft cacdoanhnghi~~ thfdi~mmohinhTDKDva m('>t s6t6ng congty tlI nhlI (nhlI HuyHoang,Minh Phl,!ng)c6cautrucphuchqp;nhung da pMt sinhnhieukh6khanvequanIyva ki~msoat tinh hinh tai chfnhcuacac I TCTc6 quymeIan.M('>t nhung nguyennhan cua tinh trl\lngd6 las~ thieuvangcua bao cao tai chinhhqp nMt DungtrlIacdoi h6i mai,trlIClC het nhungcan b('>lanh dl\lOcap caonhat cuaTCTphai thl!c sl! nh~nthucduqc sl! canthietsongconcua ketoanhqp nhat doi vai TCl SI! nh~nth(rcdung [...]... Cric khoin no- / 31 11212014 TrriQu VND 832 ,55 5 khric 832 .5ss 21 , dt r/ ^i phAr g mgi Cd o tdi chinh hqp Vuo TD-HN g 0.14/TT) Qt Nantl , 7 , cac to cnu'c 11 3u1212074 10/9/20ls 'Ilri6u \tND t9 TriQu VND 96.1 43 51.9 43 82.1 60 41 458 3. 9 83 4.485 1s.9 03. 840 13. 838 .440 14.6 43, 034 2.065.400 6.07 5. 034 1 8.568.000 12.568.77r rr. 533 .272 3. 487 ,34 8 VND 1 30 4.147 4.715.540 2.0 53. 351 't 028.072 s,5t3.58s 26.228.249... chric kinh td chua ni6m y6t / 3r/12/2014 TriQu \t{D 218.214 38 .36 1 33 . 937 278.214/ 72 .30 4 // zo Q,",, oYt o cao Danh s6ch cdc klioAn dAu [u ddi han kh6c: 30 /9 Gi6 gtlc TriQu 5 31 1 r 38 .36 7 0,08% 64% 2l 0,64% 00% 5.000 t0,00% 18% 31 1 4.1BVo 5 ,35 6 t 1% 15 .35 6 1,67% 3. 934 3 % 3. 934 3, 93% 705 5 105 s,50% 550 1t,00% 000 t0,00% 7 550 7 1l 1 ) 85.27'l 7 72 .30 4 10 an hirng ViQt Nann t2015 VND Vay NHNN Ti6n g0i... s,5t3.58s 26.228.249 12 7 rid 30 19t2015 3t/12t2014 TriQu VND TriQu VND Ti6n Tidn 11.5 13. 416 10.659.012 854.404 7.869. 933 1.0s6,9 13 I tel'l rr5 .36 0.890 104. 838 .s32 Ti6n 10.522 .35 8 98.689, 035 89. 83 r.886 8.857.149 Ti6n Ti6n 276.758 1. 439 .r97 Jt )3. f ,3 / 35 5.500 Ti6n Tiin te 127.516.0.21 8 / t3,020 108.3s3.665 / Qy MAu B0SaiTCTD-HN (Ban hdnh rheo Th6ng nsil t9/2A14/TT) NI{llN ngdy 31 /t2/2014 c a Tltiingd6c... 78.128.770 10.7 93 20.92s 4.590 4.679 421 .30 6 7.120 216.s06 7.952 707.044.7 83 78 .37 8. 832 PhAn tich du ng cho vay theo chAt luo3g nhu sau: 30 /9/2075 TriQu VND Nh6m I - No dd ti6u chuAn 99.897.r74 4.006.548 1.099.856 37 /r2/20r4 Tripu \T.,lD 93, 32% 3, 74% 74. 230 .191 Yo 2.159.699 94,70% 2,76% 766. 633 098% 477.980 1, 03% 0,45% '106.4 43 5 63. 225 0,90% 1,46% 515.866 0,660/o 107.044,7 83 1000h 78 .37 8. 832 l00vo 1 24... (60, 43 0) 9.672 (3 l 3. 364) 125.798 t89.696 44 .33 6 (499.s92) 2 43. 704 30 zsF +'p-s N €O COFN > r.5 ra.is e^;\ ct \.x ,rd i< i! -E.:: F,E *,'B ; ;i -i a 7 B i ' C't a \O FF- Or i | X >e A < : 6D 6 -C ,itr o,b Z ;:.^h - {o Z o! ,s '.:> Fer.; ,: d -, 19 4 : F=J= 'lY,Q Q '>'e; cN E.!l c! ^ t: E ,F ,1 e >- v1 00 E ,9 e, q 6 Z d :< - I .- 'i -= " "3 eF F FF >E ,! "3' ,1 a> - l- o- 'F'g "o ,qg \