Báo cáo tài chính riêng lẻ giữa niên độ cho giai đoạn sáu tháng kết thúc ngày 30 tháng 06 năm 2016 tài liệu, giáo án, bà...
KPMG Ngfin hang Thwang m#i phAn Kien Long Bao cao tai chinh rieng gitta nien cho sat' thang ket thoc 30 thang nam 2016 Ngfin hang Thwang mai d phan Kiel' Long Thong tin ye Ngfin hang Giay phep Thinh Fep vã Hot tieing sti 0056/NH-GP 18 thang nam 1995 Gray phep ThAnh lap Nth Hon dOng ducc cap beri Ngan hang NhA nuac Viet Nam va c6 thai ban b 50 nam ke t& cap Giay Ch'ing nhem Bang ky' Doanh nghiep se 1700197787 10 thang 10 nam 1995 Giay Chling nhan Dang kY Doanh nghiep da duce dieu chinh nhieu Ian; vá Ian dieu ,chinh gan nhat la vao 22 thang 07 nam 2015 SO Ke hoach va Dan tu Tinh Kien Giang cap Hei ding Quin tri Ong VO Qu6c Thing Ong Mai Hat Tin Ong Pham Tran Duy Huyan Ong Bni Thanh Hai Ong Vo Van Chau BA Nguyen Thuy QuYnh Huang Chu tich Pilo Chit tich Thanh vien Thanh vien Thanh vien Thanh vien Ban Ping Giant dim Ong VO Van Chau Ong Nguyen Quang Toan Ong Vii Dire Can Ong L8 Trung Viet Ba Tran Tuan Anh Ong Nguyen Chau "{Ong Clam dc Phe Tong Giam doe Pho reng Giam id& Pho Tong Giam doe Ph6 Tong Giam d8c Pho T6ng Giam d6c (den thang nam 2016) Ban Kiem soit Ong Le Khaz Gia Bao Ong Nguyen Thanh Minh Ong Nguyen Van Phil Ong Dang Minh Quan Truemg Ban Kiem soat Thanh vien Ban Kiem soat Thanh viol) Ban Kiem soat Thanh vien Ban Kiem soat Try so clang 14 40 — 42 — 44 Pham Wong Thai Phuerng Vinh Thanh Van, Thanh ph6 Rach Gia Tinh Kien Clang, Viet Nam Ging ty kiem toin COng ty TNHH KPMG Viet Nam Ngfin hang Thirang mai Co phan KiEn Long Bao cao ctia Ban 'Ping Giam de Ban T6ng Giam dec Ngan hang Thucrng mai C6 phan Kien Long ("Ngfin hang") trinh bay bao cao va bao cao tai chinh ri8ng giaa Men dinh kern dm Ngan hang cho k9 sau thang ket thac 30 thang nam 2016 Ban T6ng Giam &tic Ngan hang chiu trach nhiem lap va trinh bay trung that va hgp 19 bao cao tai chinh rieng gift nien thee cac Chuan mire Ke toan Viet Nam, Che di) Ke toan Viet Nam áp dung cho cac To chat tin dung Ngan hang Nha nuac Viet Nam ban hanh \fa cac quy dinh phap 19 co lien quan den viec lap va trinh bay bao cáo tai chinh giita Men clO Theo kien dm Ban Tong Giam doe Ngan hang: (a) bao cao tai chinh ri6ng giaa nien dugc trinh bay tlr trang den trang 81 da phan anh trung thuc va hgp 19 tinh hinh tai chinh chua herp nhat cila Ngan hang tai 30 thang nam 2016, ket qua hoat dOng kinh doanh chin kip nhat Aã luu chuyen tien ,te chua hgp nhat elm Ngan hang cho k9 sau thang ket thin ding theo cac Chufin KE toan Viet Nam, Ch e d6 Ke toan Viet Nam áp dung cho cac TO chin tin dung Ngan hang Nha nu6c Viet Nam ban hanh va cac quy dinh phap 19 c6 lien quan den viec lap va trinh bay bao cao tai chinh giUa Men d0; va (b) tai lap bao cao nay, kh6ng c6 19 gi de Ban Teng Ginn d6c Ngan hang cho rang Ngan hang se kh6ng the toan cac khoan ng phai tra den Inn Tai lap bao cao nay, Ban Teng Gidm dc Ngan hang da phe duyet phat hanh bao cao tài chinh rieng girra nien dinh kern Thay mat Ban Tang Giam Mc an Chau, ng Giám doe Thanh ph6 1-la Chi Minh, 29 thang nam 2016 KPMG Limited Branch 10'" Floor, Sun Wah Tower 115 Nguyen Hue Street District 1, Ho Chi Minh City The Socialist Republic of Vietnam Telephone +84(8) 3821 9266 +84(8) 3821 9267 Fax Internet www.kpmg.com.vn BAO CAO SOAT 'CET THONG TIN TM CHINH GIIJA NIEN DO , Kinh gui cfic CO Tang Ngfin hang Thiromg m3i CO phAn Kien Long Chung fel da soat ?cot bao cao tai chinlyieng gita nien d dinh kern dm Ngan hang Thuong mai C6 phan Kiet Long ("Ngan hang"), bao gem bang can dei ke toan den* tai 30 thang nam 2016, bao can ket qua hog Ong kinh doanh rieng, bao cao km chuyen tien t rieng cho sau thkg ket than ding va can thuyet minh kern theo duce Ban Tema Giam dee Ngan hang phe duyet phat hanh 29 thang nam 2016, duce trinh bay tic trang den trang 81 Trick nhiem cfia Ban Tang Clam d6c Ban Tang Gam dee Ngan hang chiu trach, nhiem lap va trinh bay trung turn va hop ly bao cao tai chinh rieng gita nien d'e theo cac Chuan muc Ke toan Viet Nam, Cho dO Ke toan Viet Nam áp dung cho ck To,chirc tin dung Ngan hang Nha noon Viet Nam ban hanh va can quy dinh phap 19 co lien quart den viec lap va trinh bay bao cao tai chinh giUa nien de, va chiu trach nhiem ve kiern soat nei be ma Ban Tong Glen doe xac dinh IA can thiet &gam bao viec lap bao cao tai chinh rieng girth nien de khong co sal sot tong yeu gian Ian hay nham lAn Trach nhiem cüa kiem toán vien Trach nhiem eüa cluing t6i IA dua kat Wan ve bao cao tai chinh Hag &Cm nien dim tren ket qua soat xet cita chimg tOi Chung t6i da titre hien c6ng viec soat xet theo Chuan mut Viet Nam ye hop &mg dich vv sok xet so 2410 - Soat xet thong tin tai chinh gicra nMn di) Win lath, vien clOc lap cua clon vi thr hien Cong viec sodt xet theng tin tat chinh gita nien bao gem viec tare hien cac cuOc ph6ng van, chit yeu ph6ng van nhung ngueri chiu trach nhiem ve cac van de tai chinh ke toan, va thuc hien thil We phan tich va cac thit We sok xet khan MOt cuOc soat xet ye co ban cO pham vi hỗp met cuOc kiem toan duon thirc hien theo can Chuan mire Mem toan Viet Nam va vlay kheng cho phdp chung tei dat duet su darn bao rang chUng toi se nhan biet &rot tat ca can van de tong yeu có the duce phat hien met cuOc kiem toan Theo do, chimg raj kheng dua kien kiem toan KM luAn cila kiem tofin vien Can cir ten ket pia sok xet cUa citing t6i, chung tei kitting thAy c6 v'An d gi khien citing tei cho rang bac) cao tai chinlvieng glita nien de dinh kern da kitting phan anh trung thun va hop 19, tren cac khia canh tong yeu, tinh hinh tai chinh chua hop nhat cita Ngan hang Thucmg Mai CO phan Kith Long tai 30 thong nam 2016, ket qua hoat Ong kinh doanh chua hop nhat va km chuyen tin te chtm hop nhat sau thang ket thk cang ngay, phit hop veri can Chuan muc Ke toast Viet Nam, Ch e (TO Ke toan Viet Nam áp dung cho can TO chile tin dung Ngan hang Nha nuon Viet Nam ban hanh va cac guy dinh phap 19 co lien quan den vie lap va trinh bay bao cao tai chinh giia nien KPMG Limited a Vietnamese limited liability company and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative ("KPMG International"), a Swiss entity KPMG van dedn nhin In#nh Mc dñ khong dim két luan ngoai trir, chung tOi kru y den Thuyet minh s6 de cap tei Cong van sa 705/NHNN-TTGSNH Ngan hang Nha nu& Viet Nam ban hanh ngly thang nam 2016 ye viec phe duyet phtrong an phan loai no va trich lap dp pining doi vai cac khoan cho vay mat nhom khach hang yeti tai sari bao dam l c6 phial dm mat ngan hang khac Chi nhanh Gong ty TNHH KPMG ti Thanh phi; Hn Chi Minh Viet Nam Bao cao soat xet sa: 16-01-273/1 7f ang k9 Hanh nghe -2013-007-1 doc Thanh ph a H6 Chi Minh, 29 thang nam 2016 Ngfin hang Thirong mai Co phAn Kien Long 40 — 42 — 44 Pham H6ng Thai, Phutng Vinh Thanh Vfin Thanh 016 Hach Gia, Tinh Kien Giang, Viet Nam Bang can di ice than rieng ti 30 thang nam 2016 mfiu B02a/TCTD (Ban hanh the° Thong he so 49/20I4/TT-NHNN 31 !hang 12 nam 2014 clic Ngan hang Nha mak Viet Nam) Thuyet minh 30/06/2016 Trqu VND 31/12/2015 Trqu VND A TA! SAN I Tien mat 265.313 206.918 II Tien gui tyi Ngfin hang Nha nut Vqt Nam 1.067.053 721.384 III Tien girl va cho vay the te chat tin dyng khac Ti6n girl tai cac TCTD khac Cho vay cac TCTD khac 1.843.486 1.843.486 1.772.864 1.672.864 100.000 VI Cho vay khach hang Cho vay khach hang Dv phong rUi ro cho vay khach hang 16.687.088 16.839.974 (152.886) 16.080.186 16.217.984 (137.798) VIII Chain khoan dau tte Cht:mg khoan dau tu san sang ban Ch'ing khoan dau tu gift d6n dao han Du phong rai ro dau tu chirng khoan 3.606.280 3.318.108 438.630 (150.458) 3.478.285 3.140.122 416.461 (78.298) IX Gem van, tau tit dli hat Dau lir vao cong ty Dau ttr dai han khac 10 514.521 500.000 14.521 530.530 500.000 30.530 X a b a b TM sin cifi dinh Tai san co dinh hau hinh Nguyen gici Giá trj hao men lily Ice Tai san c6 dinh vo hinh Nguyen gia Giá Fri hao men Thy ke 1.129.574 460.758 566.742 (105.984) 668.816 699.532 (30.716) 1.041.285 372.458 461.487 (89.029) 668.827 695.831 (27.004) XII TM sin co khac Cac khoan phai thu Cac khoan lai, phi phai thu Tai san c6 khac 1.601.493 283.965 1.136.411 181.117 1.529.079 262.550 1.129.643 136.886 26.714.808 25.360.531 a TONG TAI SAN 11 12 13 14 Cac thuyet mink clink kern la be phen hqp thank cUa bao cao tat chinh rieng giihe nien Ngan hang Throng mai CO phOn Kien Long 40 — 42 — 44 Phan) Wing Thai, PhtrOng WW1 Thanh Van Thanh phi) Bach Gia, Tinh Kiel] Clang, Wel Nam Bang can doi ke than rieng ti 30 thang nam 2016 theo) MAu B02a/TCTD (Ban hanh theo Thong luso' 49/2014/TT-NHNN 31 thong 12 nom 2014 cita Ngiin hang Nha nut ViOt Nam) Thuyet minh 30/06/2016 Trieu VND 31/12/2015 Trieu VND NQ PHAI TRA VA VON CHt SO HIT B )? Hi NQ PHAI TRA I Cac khoan nq Ngfin hang Nha nut Viet.Nam II Tien giri Ira vay cac to ally tin dung khac Tien gni Tien vay 15 1.462.300 1.121.827 340.473 1.172.538 788.037 384.501 III Tien giri cUa khich hang 16 21.659.146 20.129.040 IV Cac ding cu tli chinh phai sinh ye cac khoan nq tli chinh khac VII Cfic khoan my khac Cac khoan lai, phi phai trá Cac khoan phai tra va c6ng ng khac 312.218 555 17 TONG NQ PHAI TRA 338.080 275 068 63 012 378.601 285.086 93.515 23.459.526 21.992.952 VON CHIJ Sei Him VIII a d Wit vl cat guy VOn Von dieu le CO phieru gay Cac quy Chenh lech ty gia h6i dodi Lgi nhuan chtra phan pito' 18 TONG VON CHO SO Htt TONG Ng PHitI TRA VON CHt SO miu 3, 3.255.282 2.965.800 3.000.000 (34.200) 264.636 (3.016) 27.862 3.367.579 2.965.800 3.000.000 (34.200) 240.435 161.344 3.255.282 3.367.579 26.714.808 25.360.531 Coc thuyit minh tlinh ken: la ba phein hop cilia bao cao tai chinh rieng nien Ngfin hang Thtrung mai Co plan Kien Long 40 — 42 — 44 Pham Hong Thai, Phutrig Vinh Thanh Van Thanh phi) Hach CIA, Tinh Kiev Giang, Vi0 Nam Bang can deu ice than rieng tai 30 thang nam 2016 (tiep theo) Mn B02a/TCTD (Ban hanh theo Thong or sa 49/2014/TT-MINN ngby 31 thcing 12 nom 2014 elm Ngcin hang Nha nu& Viet Nam) Thuyet 30/06/2016 31/12/2015 Tri0 VND minh TriO VND CAC CHI TIEU NGOAI BANG CAN DO! ICE TOAN I NGHIA VI) NO TIEM AN Cam ket giao dich he' doai Cam kit num ngogi te Cam kit ban ngoai te Cam ket nghiep Nit) thu tin clang Bao lath khac 33 33 33 33 91.690 45.216 47.404 44.286 11.635 5.540 6095 16.632 16.949 Ngay 29 thang nam 2016 Ngu • Nguai lap: D)y Thi Duyen Ke toan vien —111YC Pham Thi M9 Chi Ke Wan trufmg qy NGAN HANG DiGaNG MAI Co PHA KliN fr*p Lou • Van Chau gi din theo phap lu at Cac thuyit minh dinh kem la ba phan hap cita bdo cao tat chinh rieng gicra nien Ngan hang Thtrong mai C6 phan Klan Long 40 — 42 — 44 Pham Hang Thai, Phuung Vinh Thanh Van Thanh ph6 Bach Gin, Tinh Kien Giang, Viet Nam Bao cdo ket qua hoot clang kinh doanh rieng cho 1(31 sau thang ket thac 30 [hang nam 2016 Mau B03a/TCTD (Ban hanh theo Thong tie s 49/20 I4/TT-NHNN 31 thang 12 nom 2014 cita Ngon hang Nha nut Viet Nam) Thuyet minh sau thing ket thilc 30/06/2016 30/06/2015 Trieu VND TriO VND 1; lp Thu nhap Iai va cac khoan thu nhlap Wang to' Chi phi la' va cac chi phi Wong to 20 20 1.079.481 (704.323) 1.025.470 (618.275) I Thu Wrap lai thua'n 20 375.158 407.195 Thu nh5p tit hoot Ong dich Nip Chi phi hoot dOng dich Iry 21 21 4.402 (2.014) II Lai than tir hat dng dich vy 21 2.388 652 HI LAi than tir boat Ong kinh doanh ngoai 22 6.238 741 V (L6)/1ai than tir mua ban chting khan Tau tir 23 (44.996) 10.931 Thu nh5p tit hoot Ong khac Chi phi hoot Ong khac 24 24 9.798 (5.484) 10.626 (2.566) VI Lai than tir hoyt d(in g khac 24 4.314 8.060 VII Thu nhap tir g6p von, mua c6 phAn 25 11.063 9.287 VIII Chi phi hat d6ng 26 (300.062) (258.680) IX Lyi nhuan thuan tir hoat doting kinh doanh trot chi phi dy phong rüi ro tin dyng 54.103 178.186 (27.248) (18.090) 26.855 160.096 X Chi phi dy phi:mg rüi ro tin dyng XI Tiing 191 nhuan tray thud (mang sang trang sau) 27 3.043 (2.391) Cac thuyit minh clinh kern l ba phan hỗrp cita bcio ccio ten chinh rieng glace nien c/a Ngfin hang Thirang mai Co plan Kien Long 40 —42 —44 Pham Hang Thai, PhirOng Vinh Thanh Van ThAnh ph Rach Gia, Tinh Kien Clang, Viet Nam Bao cao ktt qua hot Ong kinh doanh rieng cho k3' san thang két dole 30 thang Ram 2016 (ti6p theo) Mau 803a/TCTD (Ban honk theo Thong lir so 49/2014/TT-NHNN ngery 31 thang 12 nam 2014 oda Ngdn hang Nha mrem Viet Nam) Thuyet minh XI Tiing hyi nhufinn trut thue (mang sang tir trang trink) Chi phi thu6 TNDN hi6n berth Chi phi thu& TNDN hodn14i XII Chi phi thue TNDN Ky san thang ket tit& ngity 30/06/2016 30/06/2015 Trieu VND Trieu VND 26.855 160.096 28 28 (5.104) (34.683) 28 (5.104) (34.683) 21.751 125.413 XIII Dyi nhu4n sau thue Ngay 29 thong nain 2015 Nguti lip: • Thi Duyen Ke loan Wen Pham Thi my Chi Ke loan Inking Nguai dui din theo phcip luat Cow thuyet mink dinh kern la ba phan hop cua brio coo tai chinh rieng gicra nien dO Ngfin hang Thwong mui a plan Kien Long 40 — 42 —44 Phum Sing Thai, Phuirng Vinh Thanh Van Thanh ph6 Ruch Gia, Tinh Kra Clang, Vi'Ut Nam Thuyet minh bao cao tai chinh rieng cho sau thang kA thtic 30 thong nam 2016 (tiep theo) MAu BO5a/TCTD (Ban honh theo Thong tu sot 49/2014/TT-NHNN 31 thong 12 nam 2014 cita Nglin hang Nha nuac VIP Nam) ALCO co trach nhiem xem xet danh gia cac bao cat) hang quY ve tinh hinh rUi ro khoan cha Ngan hang; de xuat dieu chinh kY han, lai suat, gia cac san pham, dich viii cüa ngan hang de rid it khoan nam pham vi cho phep va dap (nig cac mpc tieu kinh doanh; mua hoc ban chi:mg khan veri tinh nhat dinh de rui ro thanh,khoan nam cac giOi han cho phep va dap (mg cac mpc chat vá tieu kinh doanh; giant sat ky han cac nguon von vay; huy deng cha Ngan hang nham dam bao kha nang khoan cha Ngan hang Cac bao cao ve chi s8 kha nang khoan au duce quail ly hang dap ling yeu eau kiem soat rài ro thuemg xuyen nhu yen can chung cho khoan than he thong, yen can cho tri khoan hang ngay, yeu cau chung cho ph6ng khoan, xac dInh ke hoach khoan hang ngdy, cac twang hop can x& 1y xay tinh trang thieu hot khoan ngan hail, khan cap hay keo dai Ngoai cac bao cao dg doan chi tiet ye khh nang toan,ngay cling throe tinh toan doa vao nhiing so lieu cap nhht, de phong tranh nhiing rhi ro c6 the xá' doi yeti khoan cüa h th8ng Cáctjlfthanh khoiin then quy tlinh cita NHNIWN TI Ngan hang dam bao tri ty l t6i thieu bang 10% giita t6ng tai san c6 toan cao vá 'king no phai tra Ty le t6; 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