cONc r.roA xA HQI HDBANK rh.oo nf6t (om kol Doc lo cllu Nc}llA vlDl'NAM Ld-p lq Do - Ilon} Pltic *o0o nan xrtm soAl Tp.Hi Chi Minh, Ngdy 18 thdng 04 ndrn 2015 o4r ngr cO oollc THITdNG NItN NAM 2or4 BAo cAo ctrA BAN KrEM soAT K,rh grii : Qu, vi cd d6ng Cdn ci Diiu 45 LuAt Td chttc Tin dvng ndn 2010 vi nhi(m vv, quyin hqn cia Ban Kidm sodt Cdn cti Diiu l€ rd chtic vd hoqt d\ng citd Ngdn hdng TMCP Phdt Tritn Thdnh phd Hi Chi Minh (HDBank) Cdn ci tinh hinh hod d|ng cia HDBank, Bdo cdo cio HQi ding qudn tri' Ban Dilu hdnh vd kit qia hogt d$ng c:ita Ban Kidm sodt ndm 2014 Ban Ki6m so6t Mo c6o Dei Hoi Ddng c6 d6ng HDBank v| hoet d0ng da Ban Kiom so6t vi K6t qui rAm tra 86o cdo tAi chlnh Ha'p nh6t ct8 HDBar* ntrm 2Ol4 nhu sau: I HOAT EQNG CI'A BAN KItM SOAT: N[m 2014 Ban Ki6m sodt gdm thAnh YiCn chuyen kAch vi bQ ph$n tAc nghiQp Ki0m to6n noi bO, dugc kiOn todn vdi d$i ngo kiem to6n vi€n dugc ttAo tqo vA c6 nhiou ntrm kinh nghieln linh vuc tai chlnh Ngan hAn8 Ban Ki6m sodt thuc hien nhiem vu gi6m sdt vioc tu6n thri cdc quy dinh crla ph6p lu$t, crla NgAn hAng nhe nudc Viet N'm ia pidu te t6 chtc vA hool d0ng cia NgAn hAng qudn ti ve didu henh nhim dim beo cho Ng6n herg Phdt tri6n 6n dinh, an todn vA hiQu qud' D6 bdm sdt vdi k6 hoech ho8t ttong n6m 2ol4 cUa Dai hoi ddng c.6 d6ng dA cong nhu cAc chuqng trtnh henh d$ng nhim thnc dAy tlnh hlnh kinh doanh tren todn he ih6ng' Ban KiCm so6t dE ph€ duygt k6 hoqch ki0m to6n ve tridn khai nhiQm vu gi6m s6t, kiAm tra, kiCm to6n thUc hiQn thudng xuy€n lien tuc ce n6m Cln ct k6t quA ki6m to6n rlrra c6c ki6n nghi t6i cAc phi6n hgp I{EQT vd bon hinh cdc vdn bAn cAnh b6o rui ro loan hQ th6ng Trong ninr 2014 Ban KidIr so6t t6 chuc phi6n hgp dinh kj'vA hAng thdDg hQP giao ban kidm todn nQi b0 T6 chuc c6ng tAc giAnr s6l dinh ki hang th6ng/ qui lr€n cdc linh vuc diu tu kinh doanh v6n, 1in dung, diu lu xay d\mg co ban vd mua s6m tiii sin, c6ng nghe th6ng lin, hach lorn k6 toAn, luen thrl cec ti le ddln beo an lo,n; gidr)) sel thu,ng xuy€n vi€c thvc hi|n cdc Nghi quy6t, quv6t dinh cia Dai hQi ddng c6 d6ng vtr lloi d6ng quAn trj; gi6m sAt viec rhuc hien khuy6n nghi cia Ban Kidm soAt; thuc hien rhim dinh bro c6o lai chinh lhAng vd b6o c6o tei chinh nem Phdng Ki6m toAD noi bO de hoan t6t ke hoach nam 2014, thpc hiQn ki6m todn theo doin 73 don vi det lOl% kC hoach , kidm tla dot xuAt thuc hi'n240 cloc dqt 120% k6 hoech vA ki6m tra chuy€n dd qua d6 dr dua nhtng cAnh b6o nli ro, ph61 hien cdc vdn dd cdn tdn tgi ho+t dQng, vdn b4n qui dinh n$i b0 vi co cCu ld chtc dd ki6n nehi IIQi ddng qudn tri, Ban didu hAnh vA cAc cAp quAn ly' c0a ng6n hdng vipc khfc phgc sai s6t, chdn chtnh vA b6 sung c6c quy dinh, quy trlnh vA hudng d6n nghiep vu,- teng ouUng c6ng tAc kiCm so6t nQi bQ nhim ngln ngira vd hqn ch6 nii ro dam beo an toAn hogt d$ng xir u I euA rnAu DINB BAo cAo rAI crdNH I vA B{o c6o tii cbfrh : Ban Ki6m so6t d! thuc hiQn viQc thAm tra beo c6o lAi chlnh nlm 2014 cia HDBank vA tlr6ng nh6t x6c nhfin nhu sau: B60 c{o tAi chtnh ntun 2014 ota HDBank da phAn 6nh day d0, kip thdi tlnh hlnh hott dQng kinh doanh vA c6c b6o c6o tAi chfnh c0a ng6n hdng ttugc l$p d0ng m6u bi6u ban hAnh theo Quy dinh vi0o ghi ch6p, luu trfr chirng tt vA l$p s6 s6ch kd todn dugc ghi nh6n dAy tlu, ch(nh x6c moi hoet ctong crla NgAn hAng 860 cdo tAi chlnh da dugc C6ng ty TNHII E & Y kiom toAn phir hgp vdi cAc chuAn muc kd to6n viQt Nam vA cAc quy dinh hlon hAnh vC Tii sin vi ngudn v6u: C6c s6 liQu vd tAi sdn vA ngudn v6n thd hiQn hen Beng c6n d6i k6 toAn hqp nhAt so vdi s6 lieu nem 20l3 tei I{DBank nhu sau: Don t,i titth: rj ding CHi ltiirl 1tn2/2013 3yt2t20t4 TAI sAN Tidn m{t, ving fuc, dd quj Tidn gui lqi Ng5n hing Nha nudc viet NaD vay c6c t6 chric tin T;E;vang g,il vA "ho dunq ("TCTD") kiec Clruug kJrodn kinh doanh phei siDh va cAc tl Cd" "r, "hilh "6rg TSTC kh6c Cho vay ki6ch hang rii ,q' khq!! lrllg ro cho Chung khoan d6u tu cn'vtg-66i7du tv git di" ngav aao 632 2,409 r,595 6,835 t 1,341 931 668 ,509 43,333 4r Cho vay khach hdng Dy phdng r 8r9 ),993 -484 pnra eid,r, gA "hring c6p;6;!A"- t" dat hen Ddu tv ddi hgtr khdc O1, pnang ga^ gia adu Tet Tii khodn ddu rtr 21,349 12,033 3,307 1,6t 184 -t87 229 95 250 137 i6Ei mA NH Cdc khoen ng khdc T6NcNoFffiIrRA ,d htr, "hi t€ r,",c ddV4;iii" I-oi t.I cll,a aonffi, t5 "6 T6NG NO-TilafMvA voN Sd HIfu qru ffi, iroitl x 527 s90 I1,784 99,s25 14,515 PHAl' 86,221 \ Hii cP /r, 184 t28 t9,507 I1,289 65,412 62,384 43 116 3,580 2,501 1,600 1,2t9 90,326 ?'t,639 8,8?4 8,587 8,100 I,t00 325 99,525 86,227 rni r.ro l,nAt Cdc khoAn ng Chlnh Phti vd NHNN Tilr, g,:,i ,a *y a", rcm H{q cta u,ach irang V5, lei trq, u, tlr6c(t4, hr, cho vay chiu rti ro Ph6t henh giAy t0 c6 giA - - -42 sAn c6 khdc Tffi;" -698 13,456 tul!44! rAr;5 dl,rt ToNc rAr sAx 4,03 24,472 hen Ov ,Ud{Gtll lHil[l v J vi k6r qni Ioir( dong: Cac s6 lieu chinh $6 hien tren B6o'cro kdt guA kinh doanh hqp nhit nlm 2ol4 cia I.IDBank nhu sau: Eon vi rinh: rj' ding BCTC HqP cHl reu 1014 fiu nhflp Lai rhuAn dich vq llithu]n ti hoet dong L6 fiuAn ti, hoat dong KD ngoei hdi Lli rhuAn tt mua b6n CK kinh doanh L[ithuAn dAu tu t] mu bdn CK L[i ti thuAn hont dong klr{c BCTC RITNG MriT 2013 L[ IIDB!l I l( IlDFinrrcc AMC 2014 2014 2014 t,629 325 930 ?t2 l 126 44 144 42 -54 46 80 62 80 4',75 682 415 -4 43 -17 I 47 Thu nh$p tir g6p v6n mua c6 phdn 499 l4l s70 TONG TI{U NHAP HOAT DONG 2,899 1,443 2,287 695 1,820 1,010 1,405 -41.1 ),019 432 883 274 456 192 358 -99 LoI NITUAN TRI-TdC TITUT 62X 240 T6ng chi ph, rhu6 TNDN 145 23 LqI NHUAN TI{Ut 477 cI PHI HoAT TONG DONG Lqi nhuln thuen tt hott d0n8 kinh doanh trudc chi phf dg phdng nli ro !l! dttlS Chi phl dg phdng rni ro tln dUng TONG SAU r75 r06 -t9 419 r35 ' f r, Klir QUA GIAM sAl' llo4'l' l)oN(; NAM 2014: nen) 2014, hoal dong kil)h doanh crla Ng6n hADB liong v' cdc c6ng lv dal dugc nhling kCt qul nhu sau: Don vi rlnh: Ti, ding Tltgc Tlryc Chl ti€u (t) Tdng di Niint 2014 (2) 99,525 sdn K6 hoach hiQn DIICE so kC a) hoach (4) 104,607 95% hi0n so nAm Nan] 2013 lrudc (6) o) 86,227 5% 8,100 100% 6,104 I 8,r00 8,r00 88,682 0% 68,992 76,000 9r% 64,887 r060/o T6ng du ng 54,t46 53,700 l0lo/o 49,331 110% Du ng cho vay CN,TCKT 4r,993 47,200 89% 44,030 9s% Du nq trAi phi6u DN 12,153 6,500 t8't% 0l 2290/0 lj t,400/o < v6n diAu l€ T6ng Huy d$ng Huy dong thl whng I l0 nq xAu/T6ng du nq (TT02) Lqi nhuon trudc thug Lqi nhu0n sau thu6 FhAt tridn m8ng ludi HDBank s5 luqng cBlw Lgi nhu$n sau thu€/Tdng tAi sAn btnh qu6n (ROA) Lgi nhu{n sau lhue /V6n didu le bhh ou6n ROE) HQ s6 an roen (cAR) r 00% 't 5,3 t6% lYo 00/o 3,6'tvo 0% 700 r,028 68% 396 171% 555 17 t 209 di6m 220 di6m 6,815 72% -l I di6m 283 l960/o 190 19 prci di6m diCm ttrl s,49r 1,324 0,8t% 0,57% 6,9vo 9,52% 5,66% t2,21 o/o chlnh: ntrm lu6n dAm bAo an roAn khoAn, td cAc tl le an toan v6n hogt dong NgAn hang d mrlc cho phdp, nhi6n tl lp qud fun vA nq xdu cAn phdi tlch cgc thu hdi vd ki6m sodt hiQu qu[ Vt rr0rg thdl tli IO PHIT rrEtt 0'60/o t0,700/o e> o!ix / r'.\t I GriM SAr HOATl)oN(; QI)AN TRI v^ Dl/iu IJANII: \/ - lJQi d6ng QuAn tri lJDBank g6n c6 09 thenh vi6n dugc ph6rr c6ng ph9 trdch tluc tidp vdo Uy ban trgc thuQc IIDQT bao gdm: Uy ban QuAn lj rii to, Uy ban nh6n sv, Uy ban Tin dpng, Uy ban C6ng nghe, Alco C6c iy ban tti hoat dQng thudng xuyen, hoal dQng lheo Quy ch6 td chtrc vd ho4t dQng I-IEQT ban hdnh - Ban Kidm sodt tham dtr cec phi€n hqP cr]a IJ0i ddng Qudn l.l; HOi nghi So k6t, T6ng kdt Trong cdc phi€n hgp, Ban Ki6m sodt da lh6ng beo vd hoal d$ng, Oam Bia thAo luAn vA d6ng g6p ki6n vAo nQi duDg cia ting phi0n hqp, ddng thdi c6 nhtng ki6n nghi v6i j r' HOi ddng QuAn tri, Bal T6lg Gi{m d6c, c6c ki6n nghi tflp trung vdo nhing n$i dung nhu sau: Vl nhan su : x6y d\mg c6ng l6c quy ho0ch cdn bQ c6p cao c6ng tdc luen chuydn cdn bO ddng thdi chdn chlnh ki cucrn8, ki lu6t, trdch nhiem cd nhen VC Lqi r lu{n: khai thAc hieu que tdi sAn c6 sinh ldi, c6c khoAn dAu lu, t6 chrlc lgi ho6t r' quin U hiQu qta c6c ngu6n thu d$ng cdc don vi c6 hipu qud thAp, cfing r 0p kC hotch Ng6D sAch dA c6 co s& Bi6m s6t, kiam so6t t6t chi Phl host dong vA qudn / d , Itg r' r' - quA c6ng lAc quAn tri: xey dvng c6c bien phdp cv tht n6ng cao ch6t ng qud hqn, xrt l! nq xiu, thgc hiQn un toAn luqng $i sAn, chAt lu@g ttn dvog, quAn kho qug vi hQ th6ng ki6m tra kigm soAt noi b0 orun, hiqu li XAy dung n6ng luc cgnh tmnh, ttng budc nAng cao ctrCt lugng dich vu Dilu chlnh, chlnh sta c6c v6n bAn quy ch6, quy dinh phn hqp vdi cA quy dinb mdi Lu$t Doanh nghiPp 2014, ThOnB nr 36 Cdc k& qud giAm s6t, ki6m toAn cia Ban Ki6m so6t, Ban Ki6m to6n n$i b$ dAu duqc th6ng bAo cbo HOi ddng QuAn tri, T6ng Gi6m d6c vA c6c bOn c.6 liOn quan NIilPM W N,4,M 2or5 ct A BAN KItM soAr : l C&r cri vdo chfc n6ng nhioln vu crlo Ban Ki6m aodt, phuong hudmg ho6t dpg Ng6n ng nim 20t5, chl dto cria Ngen hang NhA nudc vE mgc ti€u, nhiQm vg chlnh s6ch fln t€, bign ph6p ttAm bAo hqt dQng an toAn, hipu quA vA d0ng PMp lu$t: Ban KiCm soAt t{p tlung vAo c6c c6ng viec co ben nhu sau: GiAm sAt viQc tu6n thri c6c quy dinh coa PhAp luAt vA DiAu lQ HDBank viQc quAn tri didu hAnh hQ th6ng HDBank: ci6m s6t c6ng t6c quAn tri, didu hAnh HDBank thuc hien thco Ditu lS, Nghi quyCt Dgi HOi Edng c6 d6ng da bidu quydt th6ng qua Cu thd bAm sAt tri6n khai theo chuong lrlnh hAnh d0ng nam 2Ol5 crla Ban Didu hAnh theo noi dung trQng t6m: DAy mqnh tang trulmg tin dung g6n v&i hiQu qutr vln hAnh an toAn, ch6t lugng dich vq, ki6m soAt chi phl 'lridnkhai c6ng t6c Ki6rr todn nQi bQthcok6hoach Chi trqng dAnh giA Ph6i hgp c6ng l6c quAn tri rii ro gi[a dqn vi kin]r dolnlr vir c,c kh6i PhdnB baD, x6c dinh nruc dQ sai phaD da d6nh gi6 tech nhiem cA nhan Tlrdm tra Bdo c6o tii chinh hqp n}61 thdng ntrm 2015, 86o c6o Ui chlnh ce nlm 2015 cria Ng6n hAng vi DAo c6o tai chinh hqp nh6t vdi cdc C6ng ty rryc thuQc' 1'r0n d6y ld nhtng nQi dung Bon Kidm sodt xin bdo cdo l)gi h$i d6ng c6 d6ng' k'nh nghi Dqi hoj g6p Y va thOng qua Kinh chic Dqi h1i c6ng kir dsp Trdn trpng cdm on Quy vi! TM BAN KItM SOAT Tru&ng ban VePook /^+z'rcir na$) Yrrrl*s rat c!ft{ DI'Y TUdNG Noi nh6n: - C6 d6ng HDBank HEQT, BDH, vP/HDQT Lrru BKS dA ... BAo cAo rAI crdNH I vA B{o c6o tii cbfrh : Ban Ki6m so6t d! thuc hiQn viQc thAm tra beo c6o lAi chlnh nlm 2014 cia HDBank vA tlr6ng nh6t x6c nhfin nhu sau: B60 c{o tAi chtnh ntun 2014 ota HDBank... dong L6 fiuAn ti, hoat dong KD ngoei hdi Lli rhuAn tt mua b6n CK kinh doanh L[ithuAn dAu tu t] mu bdn CK L[i ti thuAn hont dong klr{c BCTC RITNG MriT 2013 L[ IIDB!l I l( IlDFinrrcc AMC 2014 2014...Trong ninr 2014 Ban KidIr so6t t6 chuc phi6n hgp dinh kj'vA hAng thdDg hQP giao ban kidm todn nQi b0 T6 chuc c6ng tAc giAnr s6l dinh ki hang th6ng/ qui lr€n cdc linh vuc diu tu kinh doanh v6n,