Nq phAi trA trpc ti6p cria bQ phan
Nq phni tri phdn b6 cho bQ phan
N.o ph6i tri kh6ng phdn bO-theo bQ phfln
T6ng nq pftrti nd
56 dAu nlm
. , 4
Iar san ffuc flep cua 0o
Ph0n
Tdi sin ph4n b6 cho b0 Ph0n
C6c tdi s6n khdng phdn b6 theo b0 ph0n Tdng tdi sdn
3.
cOne w cd pnAru soMEco s6ruc oA
Dia chi: Tdng 15 khu B, tda nhd S6ng Dd, dudng Ph4m Hing, xd M! Dinh, huyQn eAo cAo rar cuixs r6Nc uQp
Cho n6m tai chinh kiit tflic ngdy 3l thhng 12 ndm 2013 Bfin thuy6t minh B6o cdo tiri chinh t6ng ho'p (ti6p theo)
Til Li6m, thdnh phd Ha NQi
c6 kh6 n6ng thgc hiQn tlugc
thu kh6ch hdng, ti6n gfti ngAn
Rfii ro tin dgng
Rrii ro tin dung li rfi ro md mQt b6n tham gia trong ho. p dOng nghia vp cria minh d6n d6n t6n th6t vA tdi chfnh cho C6ng ty.
C6ng ty c6 c6c rrii ro tin dr;ng ph6t sinh chri y6u tu c6c khoin phi hdng vd cho vay.
nhAn vi€n kd to6n cdng ng thudng xuydn theo ddi nq phAi thu d6 cl6n thu hdi.
Phdi thu khdch hdng
C0ng ty giar,n thi6u rui ro tin dqng bAng c6ch chi giao dich vdi c6c
Khoin phii thu kh6ch hdng cria C6ng ty li6n quan eltin nhiAu eton v tfp trung ddi v6i khodn phii thu kh6ch hdng ld thdp.
TiAn gui ngdn hdng " . . ) .
Cdc khodn ti€n gfri ngdn hing c6 kj'lpn vd kh6ng hirng c6 uy tin do vfy rfii ro tin dung <l6i vdi ti6n gui
vi c6 khn n[ng tdi chinh t5t, vd
vd c6 nhAn n€n rfii ro tin dpng
c6 lci,han cria g ty tlugc gri'i tAi c6c ngAn ngdn hdng lA
khoALn cho vay ndy d6u trong
shi s6 cria c6c tdi sin tdi chinh Cdc khodn cho vay
C6ng ty cho c6c c6ng ty con vay v5n luu cfQng. C6ng ty d6nh gi6 h4n vi khdng b! suy gi6,m.
Mric dQ rrii ro tin dpng t6i da ddi vdi c6c"tii sdLn tdi chinh lir gi6 tri (xem thuy6t minh s6 rril.4 vO gi6 tri ghi s6 cria c6c tdi sin tdi chinh)
Bing phdn tich vA thdi gian qu6 h4n vd gi6m gi5 cira c6c tdi
Chua qud h4n Chua qud hay chua bi h4n nhung
giim gi6 biginm gi6 sd cudi nim
Ti6n vd c6c khoin. . r 2.550.6'.13.355 tuong duong tten
Phdi thu khSch hdng 216.607.969.3'77 C6c khoan cho vay 822'l'75.665 Cdc khodn phii thu 2.os4.2rs.r.,s kh6c
D5 quri h4n nhung
kh6ng gid
Tdi s6n tii chinh sdn
. - i , ,
sang oe Dan
c0ng
Sii tliu nam TiAn vd ci4rc khoin
. . , ) . tuong duong tlen PhAi thu kh6ch hdng Cric khoin cho vay C6c khoAn phAi thu kh6c
Tdi sdn tdi chinh sin
. - 1 , ,
sang oe Dan
c0ng
tdi chinh nhu sau:
Dl quf h4n vir/ho{c bi
giflm gi6 CO+g_
5.s70.000.000 2.550.(;73.355 216.607 :169 .3',77 822.1.75.665 2.054.tt15.r'79 5.857.200.000 11.42'1.:200.000 233.462.t233.576 tt.l'14.'0'13.788 214.751.627.209 34.265.r80.258 4.897.254.850 10.277.200.000 275.365.336.105 \ : ) r '\ r H ,{ JU rrJ : 0 1 4 227.605.033.576 tt.t'74.073.788 2r4;7sl.627.209 34.26s.r80.2s8 4.897.254.850 r0.277.200.000 275.365.336.105
c6nc w cd pnhru soMEco s6ttc oA
Eia chi: TAng 15 khu B, tda nhd S6ng Ed; tluong Ph4m Htng, xfl M! Einh, huyQn
nAo cAo rar cHiNH r6Nc uop
Cho ndm tdi chinh k6t thric ngdy 3l th6ng 12 n6m 2013 Bin thuy6t minh 86o c6o tiri chinh tiing hg'p (ti6p theo)
Tt Li6m. thdnh ohO Hd NOi
Rrti ro thanh khodn
Rrii ro thanh khoan ld riri ro COng ty gap kh6 khdn khi thpc hi-6n nghla tAi chinh do thi6u ti6n. Rrii ro thanh khoin cria C6ng ty chri y6u ph6t sinh ttr viQc c6c tdi
chinh c6 c6c thd'i dii5m d6o han l6ch nhau.
tdi chinh vd ng ph6i trA tdi
xuydn theo d6i c6c ydu criu vd
. X
len cung nnu cac Knoan ''/ay (I hdm giAm thi6u 6nh huctng do
bi6n d$ng cria lu6ng ti6n.
Thcri hpn thanh to6n cria c6c khoin ng ph6i trA tdi chinh phi ph6i s
r x
theo hgp d6ng vd chua tlugc chi6t khdu nhu sau:
duatr6n thdi han thanh to6n
COng ty qu6n lli rrii ro thanh khoin th6ng qua c6c biQn ph6p: thuonl thanh to6n hiQn tai vd du kiOn trong tucrng lai dd duy tri mQt lugng mri'c phtr ho.p, gi6m s6t ciic lu6ng tiAn ph6t sinh thlrc tii v6i du kiiln
S5 cudi nim Vay vd ng
Phii tri ngudi bin C6c khoin phii tri kh6c C0ttg
56 tIAu nlm Vay vd ng
PhAi tri ngudi b6n C6c khoAn phai tre kh6c
c0ng t74.2r0.3s9.559 230.62s.000 t74.2r0.3s9.559 230.62s.000 5t.927.269.853 25.914.728.101 3 3 . 1 1 5 . 9 8 6 . 3 8 1 7 . 6 5 1 . 0 6 4 . 8 1 0 259.253.615.793 33.796.417.911 192.219.400.391 7 .899.395.7 40 60.020.3s0.1 13 26.669.82s.36r 36.729.20r.805 5.781.652.430 288.968.952.309 40.350.873.s31 (174.440984, Tir 1 nim tr&
xuong TrGn 1 nlm - A den f, nam r c0ng 174.440.984.559 77.84t.997.954 40.767.0s1.191 293.050.033.704 2 0 0 . 1 1 8 . 7 9 6 . 1 3 1 86.690.t1',5.47 4 42.510.85;4.235 3293r9.8215.840
Ban T6ng Gi6m d6c cho ring mri'c dO riri ro cl6i vdi viQc hA ng ld
C6c cdng cp tdi chinh c6 ldi sudt thA ndi cria Cdng ty nhu sau:
Sd cudi nrm
C5c khodn cho vay Vay vd ng
Ng phii tri thuin
ung binh. Nq phei tr6 tdLi chinh hiQn ildm ph6n dO gia h4-n thdi
dang l6n hcrn tdi sAn tdi chinh, tuy nhi€n, Cdng ty dang vi sd thltc gian tr6ng cria c6c kho6n vay. Ban T6ng Gi6m d6c.tin tu6ng r6ng t i6" nnudn v5n d6 c6 th6 thanh toan c6c kho6n ng di5n h4n.
Rrti ro th! trudng
Rrii ro thi trucrng ld rui ro md gi6 tri hqp lf hoac c6c ludng ti6n chinh sd bi6n dQng theo nhtng thay d6i cria gi6 thitrudng.
Riri ro thi truong li6n quan d6n hoat d6ng cria Cdng ty chi g6m rui Riti ro ldi sudt
Rrii ro ldi su6t ld rti ro md gi6 tri hqp li hoac c6c ludng tidn tronl s€ bi6n dQng theo nhirng thay tl6i cria ldi su6t thitrudng.
Rrii ro l6i suSt cria Cdng ty chri y6u li6n quan di5n c6c kho6n vay vi cho Cdng ty qudn ly rui ro l6i su6t bing c6ch phdn tich tinh hinh thitru'hl trong viec chgn thd'i di6m vay vd ki'h4n vay thfch hqp nhim c6 dugc
6ng ty c6 dri khi n6ng ti6p c{n
ng tuong lai cria c6ng cp tdi
tuong lai cria c6ng cp tdi chinh
c6 l6i su6t th6 nt5i,
d6 dua ra c6c quy6t dlnh ho.p lli Hi su6t c6 lqi nh6t. ) Sii tIAu nlm (VND) 5 34.265,r80.2s8 ( 2 o o . l 1 8 . 7 9 6 . 1 3 1 ) o\ \ 1 l t i l /t t: ,//
minh niry ld mil bA phqn hgP thdnh vd phai dugc dpc cing voi Bdo cdo tdi chinh
5e)
c6r,rc w cd pnAru soMEco s6ne oA
Dfa chi: TAng l5 khu B, tda nhd S6ng Dd, ducrng Ph4m Hing, xd M! Dinh, huyQ
eAo cAo rar csfiNs r6Nc uop
Cho ndm tdi chinh t<tit ttuic ngdy 3 1 thdng 12 n6m 2013 Bf,n thuy6t minh B6o c{o t}i chinh t6ng hqp (tii5p theo)
Tir Li6m, thdnh ph6 HeNQi
Tpi ngdy 3l th6ng 12 ndm20l3,vli gid dinh c6c bi6n s6 kh6c
khoin vay VND c6 ldi su6t thd ndi tdn{ giim 2% thi loi nhuAn sau 5 thay d6i, n6u lai su6r c6c
vdL v6n chri sd lrtu nim nav
cria Cdng ty s€ giAm/tdng2.604.282.133 M{D (n[m trudc giAm/t[ 2.487.804.238 VND). Tdi srtn ddm brto
C6ng ty kh6ng c6 c6c don vi kh6c tai
Gi6 tri hqp ly cria tiri sin vir ng phii tri tii chinh Tdi sdn tdi cldnlt
G i r i t r ! g h i s 0 Si5 cuiii nlm
Gi6 gdc Dg phdng
tAi s6n tii chinh th6 chAp cho c6c dcrn vi kh6c cfi nhu nhin tdi sAn th6 chAp tu' ngdy 31 th6ng 12 ndm 2013 vd tai ngdy 01 th6ng I ndm 2013.
Ti6n vd cfc khoin tucng duong tiAn Phii thu kh6ch hang
Cac kfioan cho vay C6c khodn phdi thu kh6c Tdi sin tdi chinh sin sdng AC Uan c0ng 2550.673355 216.607969.377 822.17s.665 2.0s4.215.r79 1r.427 200.000 233.62.233576 (3.891.689.s4t 27s.36s.336.10s Sd dffu n5m tt.1'74.073;788 214.751.627209 34.265.t80.258 4.89't.254.850 (3.891.689.s4s) 10277.200.000 G i d tr i h g p l j i ^ A ^ . - ^ i - i D O C U O | n a m 5 0 o a u n a m 2.5s0.6',73.3ss 11.1'74.073.788 216.607.969.377 214.7 51.47 .209 822.r75.66s 342'6s"180.2s8 2.054.215.179 4.897.254.850 7.s35.510.455 10277.200.N0 229.57 0-544.031 27536s.336.105 Nq phdi trd tdi chfnh Vay vi ng
Phdi tri nguoi b6n C6c khoan phai bakhac
c0rg
Gi6 trighi sd
^ t x . - ^ ^
SO cu6i n[m S0 dAu n[m
Gi6 tri hgp ly
o5i nim Si5 ttAu n[m
t7 4.440.984.559 200.rr8.796.13r 77.84r.997.9s4 86.690.175.474 40.767.0s1.r91 42.510.854.235 0 . 9 8 4 . 5 s 9 2 0 0 . 1 1 8 . 7 9 6 . 1 3 1 r.997.9s4 86.690.I',l5.474 40 67.05r.191 42.510.854.235 293.0s0.033.704 329.319.825.840 29 033.704 329.319.825.840 t 7 4 . 7 7 .
Gi6 tri hqp ly cria c6c tdi sin tdi chinh vd ng phii tri tdi chinh dugc
' A - 4 . , | ! F . -
chuy€n tl6i trong mgt giao dich hiQn t4i gita c6c b6n c6 ddy elt hi6u C6ng ty u6c tinh giri tri ho.p $ cria ti6n vi c6c khoAn tuong clucrng ti c6c khoin phdi thu kh6c, vay., ph6i tri ngudi ban vd c6c khoin phr sSch (dd trir dU phdng cho phAn u6c tinh c6 khi ndng kh6ng thu h6i
Cdng ty chua thyc hi€n d6nh gi6 chinh thric ciic tdi s6n tdi chinh khdng c6 gi6 giao dich cria 3 c6ng ty chring khoSn c6ng b6. Tuy
gi6 gi|tri hqp lli cria c6c tdi sdn tdi chinh niy khdng c6 sg
Nguni lfp bi6u Kti toin tru&ng
Mai ThiNa Edm Trung Ki6n
c6 thti tluo. c iao dlch. ng, cho vay, I ng gn trl so mpc ndy. A . nlem yet va m tl6c: i tri gh 3 nim nh theo gi6 t mong muon i thu kh6ch I L6c tucrng du ;ia c6c khoi ; tl6 b6n chu ban T6ns G
Bdn thuy& minh ndy Id m\t bO phfin hqp thdnh vd phdi duEc dqc cilng voi Btio cdo tdi chinh t6ng