Deloitte. NGAN HANG THUONG Mal C6 PHAN DAU TU VA PHAT TRIEN VIET NAM. (Thanh lép toi nuréc Céng ho’ Xa hi Chi nghta Viét Nam) BAO CAO TAI CHiNH HOP NHAT \ DA DUG KIEM TOAN X Cho nam tai chinh két thic ngay 31 thang 12 nam 2020 uge lip theo céc Chun myc ké toén, ché d6 ké todn dp dung. cho céc té chit tin dung tal Vigt Nam va cdc quy dinh php If 6 lién quan én vige Ip va trinh bay béo céo tai chinh hop nhétNNGAN HANG THUONG Mal C6 PHAN DAU TU'VA PHATTRIEN VIET NAM Thap BIDV, 35 Hang V6i, Ly Thai T6, Hoan Kiém Ha Ni, CHXHCN viet Nam myc Luc NOI DUN BAO CAO CUA BAN DIEU HANH BAO CAO KIEM TOAN 06C LAP. BANG CAN 061 KE TOAN HOP NHAT BAO CAO KET QUA HOAT DONG KINH DOANH HOP NHAT BAO CAO LUU CHUYEN TIEN TE HOP NHAT THUYET MINH BAO CAO TAI CHINH HOP NHAT Hane deNGAN HANG THUGNG MAI CO PHAN DAU TU VA PHATTRIEN VIET NAM. ‘Thép BIDV, 35 Hang Véi, Ly Thi T6, Hoan Kiém 8 NGi, CHXHCN Vigt Nam BAO CAO CUA BAN DIEU HANH Ban iby hinh Ngan hang Thuong mai Cé phan Ou tu va Phat trién vigt Nam (goi tét la "Ngan hang”) dé trinh bdo cdo nay cing véi Bao co t8i chinh hop nhat cla Ngan hang cho ném tai chinh két thie ngay 31 thang 12 im 2020. CCée thanh vién cia HOi dng Quan tri, Ban Kiém soat va Ban Bigu hanh Ngén hang d3 didu hanh Ngan hang trong nim v8 dén ngay lap bao céo nay gdm: ‘HOi dng Quan tr ‘Ong Phan dé Ti Chi tich a Phan Thi Chinn Uy vien ‘Ong Ng6 Van Dang Uyvién ‘Ong Tr3n Thanh Van by vien Ong Yoo Je Bong Uyvien Ong Le viet Cudng Uy vien 6c lap ‘Ong Pham Quang Ting. Uy vin Ba Nguyén Thi Thu Huong by vien (Ong Ten Kuan Ho’ng Uy vidn (bd nhiém ngay 07 thang 3 nm 2020) Ong Lé Kim Hea Uy vign (b8 nhigm ngay 07 thing 3 nm 2020) Ban Kiém sost 8 V6 Bich Ha ‘Trubing Ban Kim soat ‘Ong C20 Cy Tri Thanh vign chuyén tréch a Nguyén ThiTaM ‘Thanh vign chuyén tréch (nghi ch 66 ti ngdy 02 théng 11 nldm 2020) ‘Ban Diu hanh va Ké ton trvéng Ong Le Ngoc Lam Ph6 Téng Gidm dc phy tréch Ban ibu hanh Ong Quach Hing Hiép: Phé Téng Gidm dc Ong Tran Xudn Hoang, Phd Téng Gidm dc (min nhiém ngy 07 théng 3 nm 2020) Ong Tn Phuong Ph6 Téng Gidm dBc ‘Ong Lé Kim Hoa Phé Téng Giam d6c (mién nhiém ngay 07 thang 3 ndm 2020) ‘Ong Sung Ki Jung ‘Thanh vién Ban Biéu hanh ng té Trung Thanh Phé Téng Gidm dBc Ong NeuyEn Thién Hoang Pho Téng Giém 66 ‘Ong Tran Long. Phé Téng Gidm Bc (bé nhiém ngay 12 thang 3 nm 2020) B3 Nguyn Thi Quynh Giao——_—Phé Téng Gide dic (bé nhiém ngay 12 théng 3 nim 2020) ‘Ong Phan Thanh Phe Téng Gidm dBc (b8 nhiém ngay 12 thang 3 nm 2020) (Ong Hoang Vit Hing Pho Téng Gidm déc (bé nhiém ngay 12 thang 3 ndm 2020) Ba Ta Thi Hanh Ké ton trudngINGAN HANG THUONG mal C6 PHAN OU TU VA PHAT TRIEN VIET NAM ‘Thap BIDV, 35 Hang Véi, Ly Thai TS, Hoan Kiém +H NOI, CHKHCN Vigt Nam BAO CAO CUA BAN DIEU HANH theo) TRACH NHIEM CUA BAN DIEU HANH Ban Difu hanh Ngin hang ¢é tréch nhigm Igp Bo céo t8i chinh hyp nhét phin énh mot céch trung thy va hgp ly tinh hinh t8i chinh hgp nhét eda Ngan hang tai ngay 31 théng 12 nm 2020 cOng nhur két qui hoat dng kinh doanh hgp nbét va tinh hinh lu chuyén tién t@ hgp nhat cla Ngén hang cho nim t8i chinh két thuc cling nady, phi hop v6i chun myc ké ton, ché 46 ké todn Sp dung cho céc t6 chitc tin dung tai Vigt Nam va cdc quy dinh php I €6 lién quan én viéc I8p va trinh bay béo céo tal chinh hop nhit. Trong vic lap Béo céo tai chinh hop hat nay, Ban di@u hanh duge yeu cau pha ‘© Lya chon cfe chinh sch ké toa thich hop va ap dung cdc chinh sich a6 mot céch nhat quan; = bura,a céexét dodn va ude tinh mot céch hop ly vathan trong: ‘© NOU 16 efe nguyén téc kf ton thich hop e& duge tun thi hay khéng, c6 nhirng dp dung sai léch trong yu cin dugc cng b6 va gil thich trong Bo céo tal chinh hap nhit hay khong; ‘+ Lap Béo céo t8ichinh hop nhat trén ca sé hoat déng lia tuc tris trug hop kh6ng thé cho rng Nein hing. 8 tip tuc host déng kinh doanh; va + Thiétké va thye hign hg théng kiém sot nl b@ mét cich hit higu cho mye dich lp v8 trinh bay Béo céo tal chinh hgp nhat hop ly shim han ché rh ro v8 gian Ibn. Ban Diu hnh Ngdn hang chiu trach nhigm dim bio réng s8 ké ton dug ghi chép mét céch phi hgp a phin nh m@t ech hgp ly tinh hinh tai chinh hgp nhat cia Ngan hang & bat ky thot diém nao va dém bio ring Béo cio t&l chinh hgp nhat tuan thd chun migc k& todn, ché dé ké todn dp dung cho céc t6 chite tin dung tai Viet Nam v8 ce quy dinh phép Wy 6 lién quan dn vic lap va trinh bay béo cdo tai chin hgp nhat. Ban biéu hanh cling chiu tréch nhigm dim bio an todn cho tal sin cla Ngan hang va thy hién cic bign phap thich hop dé ngin cch8n v8 pht hign cdc hanh vi gian Id va sai pham khéc. Ban Diu hanh xéc nhan ring Ngan hang 4 tun thi: céc yéu chu néu trén trong vigc Ip Béo céo tai chinh hop nat. Phan Thanh Hai Phé Téng Gidm dBc (Theo Thu Uy quyn sé 451/00-10V ingiy 15 théng 6 ndm 2020 cia Chi tich HBT) Ha Ni, ngay 04 thing 3 ném 2021a Céng ty TNHH Deloitte Viét Nam_ eloitte. ee ahwanes aaa 56: O65F punza-Hn-8c BAo CAo KIEM TOAN BOC LAP Kinh gti Cac C6 dong Hi dng Quan tri va Ban Digu hanh [Ngan hang Thong mai C6 phn Bau tu va Phat trign Viet Nam ‘Chiing tdi 3 kiém todn B40 co tai chinh hgp nhit kém theo cia Ngin hang Thuong mai C5 phin OBu tu va Phat ‘ign Viet Nam (goitét a "Ngdn hing”), urge lp ngdy 04 théng 3 nm 2021, ti trang 05 dén trang 64, bao gbm Bang can d6i KE toén hop nhdt tai ngdy 31 théng 12 nm 2020, B40 cdo két qué hoat dng kinh doanh hop nha, Bao céo lutu chuyén tin té hop nhdt cho nam tai chinh két thc cling ngay va Ban thuyét minh B40 cdo tai chinh hop nhat. Trach nhigm ciia Ban Bigu hank Ban Bieu hanh Ngan hang chiu tréch nhiém v8 viéc lap va trinh bay trung thyc v8 hap ly Béo céo tai chinh hop inhét cia Ngan hang theo chun mutc ké ton, ché 46 ké ton dp dung cho céc t6 chitc tin dung tai Vigt Nam va cc quy dinh phép ly cé lin quan dn vic Ip va trinh bay bso céo tai chinh hgp nh va chiu tréch nhigm vé kiém sodt ndi bé ma Ban Di8u hanh xdc dinh Ia cBn thiét 48 dm béo cho viéc lp v8 trinh bay Bo céo tai chinh hop nt khéng 06 sai st trong yu do gian lan hodc nh’im Ian, Trach nhiém ciia Kiém toén vién Trich nhigm céa ching t6i fa dua ra ¥ kin vé Béo cdo tai chinh hop nhat dia trén két qua cla cudc kiém toén. CChiing tai di tién hanh kiém ton theo céc chun mire kiém toan Viét Nam. Cac chuan mute nay yéu cau-ching 161 tun thd chudn myc va céc quy dinh v8 dao dite nghé nghiép, lap KE hoach va thytc hién cudc kiém tosn dé at duge su dim bao hop I ve viéc liu Béo co t8i chinh hgp nhst cia Ngan hang cé con sai sét trong yéu hay khong. Cong vigc kiém todn bao gm thu‘ hién céc thd tuc nm thu thap céc bang chimng kiém todn v8 céc 36 lidu va thuyét minh trén Bo cfo t8i chinh hop nhat. Céc thd tuc kiém ton duxgc iva chon dya trén xét dosn cba Kiém ton vién, bao gdm dénh gis ri ro c6 sal sét trong yéu trong 840 céo tai chinh hgp nhdt do gian lén ho&c nha ln. Khi thyc hign dan gid céc rd ro nay, Kiém todn vién 68 xem xét kiém sodt néi bd ca Ngan hang lién quan {n vig lap va trinh bby Bo co tai chinh gp nha trung thy, hop ly nh thiét ké cdc thd tye kiém ton phi hop véi tinh hinh thy té, tuy nhién khéng nhdm mye dich dura ra y kién v8 higu qué cia kim sodt ngi bo cla Ngan hang. Céng viéc kiém toan cfing bao gdm Génh gié tinh thich hop cia céc chinh séch ké toén dec ép dung va tinh hop Ij cla cdc wée tinh Ké todn cla Ban Digu hanh cing nh dénh gid viéc trinh bay téng thé Béo cdo tai chinh hep nha. CChung t61 tin tuéng rng cée bing ching kiém toSn ma chuing ti d3 thu thap due la day dé va thich hop lam co’ séscho ¥ kién kiém toan cia ching to ‘Ten Detoie au dung och mac nade nhibu than vin ca Delete Touche Tohmatsu Limited, v8 mang Lt ie hing thanh in - Bi tha wer la mgt che dcp v8 ma phap i. Oeiotte Touche Tohmatsu Livted (hay “Deote Toda cB) Kn cng cp dich w cho cB Kh Mang. ul org ee tl websie oe deote com/about a8 bi thé thing tin ch ti, 3Deloitte. BAO CAO KIEM TOAN BOC LAP (Tiép theo) Y kién cde Kiém toén vién Theo y kién ca chiing ti, Bdo co tai chinh hop nha da phn anh trung thyc va hgp ly, ttn cdc Khia canh trong yéu, tinh inh tai chinh hgp nhat cia Ngén hang tai ngay 31 théng 12 nm 2020, cing nhu két qua hoat déng kinh doanh hop nhat va tinh hinh lu chuyén tién t@ hop nhét cho nam tai chinh két thu cling ngay, phi hop vét chun myc ké todn, ché 66 ké toan dp dung cho céc t6 chit tin dung tai Viét Nam va cc quy éinh phap ly c6 ién ‘quan dn viéc ip va trinh bay bdo cSo ta chinh hop nhit. 0 ‘DoMong Ovong Phé Téng Gidm dc Kiém todn vion Gidy chding nhan dng ky hanh nghé Giy chirmg nh§n dng ky hanh nghé kiém todn s6 0031-2018-001-1 kiém todn 56 2393-2021-001-1 CONG TY TNHH DELOTTE VIET NAM Nady 04 thing 3 nm 2021 1 Ni, CHXHEN Vit Nam A Ss a is Ant 2M vit netNNGAN HANG THUONG Mal CO PHAN DAU TU VA PHAT TRIEN VIETNAM mu B02/TCTD-HN Thap BIDV, 35 Hang Voi, Ly Thal T6, Hoan Kiém Ban hanh theo Th6ng tu s6 49/2014/TT-NHNN Ha N6i, CHXHCN Viét Nam gay 31 théng 12 nam 2014 cla Ngén hang Nha nude BANG CAN DOI KE TOAN HOP NHAT Toi ngay 31 thang 12 ndm 2020 ‘Bom vi: Triéu VND Thuyét srt cuiTiéu minh $6 cubi nim $6 daunam A TALSAN L.Tién mit, ving bac, 68 qui 6 12.294.193, 14.116.720 I. Tien gir tai Ngdn hang Nha nuGe(*NHNN’) = 7 as.a32.344 135.255.429 Tian gir v8 cho vay c&e TCTD khée 8 85.347.858, 54,290,180 1. Tien gir tai TCTO kde 62191227 423.718.6083, 2 Cho vay ede TCTD kde 2.295.457 10.717.768 3. Dy phang ir tin gui tei va cho vay cic TCTO kde 9 (138.826) (146.192) WV. Ching khodn kinh doanh 10 30.169.711 6.346.190 1. Ching khoan kinh doanh 10.384.436 6.380.379 2 Dyphang ri ro chimng khoan kinh doanh (14.725) (34.189) V. Cc cdg ey tai chinh phi sinh va cfc tai sin ‘i chinh khée u 167.833 92.130 Vi chovvay keh ning 1195239968 1.102:365.849 ) 1. Chovay khéch hang 2 1214295916 ——-1.116.997.985 2. Dy phang rill ro cho vay khach hang B (29.055.948) (14.632.136) // | VIL Chung khon dau tu “ 125,114,962 138,284.42 1. Chimng khodn dau tu sin sing dé ban 312.192.338 121.819.089 2. Chimg khoén du tu git dén ngiy dio han 13501317 73.262.431 3. Dy phang ri ro ching khodn du tu (578.693) (6.797.039) VIL Gép vén, dau ty dai han 15 2.760.622 2.737.661 a 1. Vén g6p lién doanh 151 2.038.869 2.020.226 a 2 Dau tu vo céng ty ign két 352 603.605 605.550 = 3, Gépv6n, dbu tw dai han kind 215.470 214.679 a 4. Dyphang gidm gié du tu dai han 153 (08322) (102.794) & K Thisined éinh 16 10.422.121 10.608.686 1A 1. Tai sdne8 éinh hou hinh 16 6.162.330 6.294.519 ©. Nguyen gié te sé od din 13.353.310 12,784,828 b, Hoo man tai sin oS inh (7.190.380) (6.490.308) 2 Tai sin eB dinh vé hin 162 4.258.791 4.310.167 2 Nguyén gié tai sim 6 dink 6.007.344 5.866.116 6. Hao man tai séa 6 dink (1.747.553) (1555,949) X Tai sin C6 khde v 25,736.20 25.864.027, 1. Céekhoan phai thu 9.784.393 9.159.704 2 Céc khodn isi, phi phi thu 12.821.354 12.846.132 3. Tai sin thué thu nhp doanh nghiép hodn lai 37.087 38.579 4, Taisin C6 khée 3.707.796 4.460.435, 5. Dy phing ii ro cho céc ti sin C6 n6i bang (614.430) (640.823) TONG TAISAN $16.685.712 __1489.957.293 ‘Cac thuyét minh kém theo Ib mBt b6 phén hop thanh cia Bo cdo tai chinh hop nhét nay 5NGAN HANG THUONG MA\ C6 PHAN BAU TU VA PHAT TRIEN VIET NAM Au 802/TCTD-HN, ‘Thép BIDV, 35 Hang V6i, Ly Thi T6, Hoan Kiém Ban hank theo Théng tu s6.49/2014/TT-NHNN Ha N6i, CHKHCN vigt Nam nngdy 31 thang 12 ném 2014 cia Ngén hang Nha nude. BANG CAN 061 KE TOAN HOP NHAT (Tiép theo) Tal ngay 31 thing 12 nm 2020 ‘Bon vi: Trigu VND Thuyét sm cHimitu minh ___SScuSinim _s6 diundm_ BL NOPHAITRA VA VON CHU soHOU L Cac khodn ng Chinh phi va NHNN 18 17.222.797 108.760.008 I. Tiin git va vay cic TCTD kha 19 82.260.848 76.683.179 1. Tin git cia cde TCTD khée 0.828.386 28,908,853 2. Vay ede TCTD kde 41.432.462 47.78.36 MW, Tian gir ea khaéch hang 20 1.226.673.9482 © ‘1.116.162.624 IV. V6n tai tre, dy thée du tu, cho vay TCTD chiu alo a 12.853.270 12.386.421 V. Phat hanh gly ty c6 etd 2 63.236.692 62.772.362 Vi. Céckhodn ng khdéc 23 34,791.551 37.539.718 1 Cac khoan Iai, phi phai tra 22.428.269 24.695.986, z ‘Thué TNON hodn lai phai tra 113.813 111.935 3. Cac khoan phai tra va céng ng khac 12.249.469 12.731.797, TONG NG PHAITRA 37.039.100 ___4.412.308.312 Vi V6n va cdc quy 3 1. Vén cia Ngan hang 54.780.413 54.780.413 2 Vondituié 40.220.180 40.220.180 b. Thing de vin e8 phan 4.202.382 14,292.382 Vin khéc 267.851 267.851 2 Qui cia Ngan hang 8.064.281 5.755.410 3. Chénh léch ty gid héi doai 49.915 129.783 4. gi nhuan cha phan phdi 13.517.408 13.856.938 5. Lgiich cé déng khdng kiém soat 3.234.595 TONG VON CHU Se HOU TONG NG PHAITRA VA VON cHU So HOU 3516605712 ‘Géc thayét minh Kem theo Ib mét 86 phn hap thanh cla Bao cBo tai chinh hop aht nay 6 sw KENNGAN HANG THUONG MAI C6 PHAN BAU TU'VA PHAT TRIEN VIET NAM Au 802/TCTD-HN ‘Thap BIDV, 35 Hang V6l, Ly Thai T6, Hoan Kiém Ban hanh theo Théng tu s6 49/2014/TT-NHNN Ha Néi, CHXHCN viet Nam gay 31 thang 12 ndm 2014 cla Ngan hang Nha nude BANG CAN B61 KE TOAN HOP NHAT (Tiép theo) Tai ngdy 31 théng 12 ném 2020 on vi: Trig VND CAC CHi TIEU NGOAI BANG CAN ®61 KE TOAN HOP NHAT Thuyét srt cui TEU minh ___SScubindm __sS@3unim_ 2. Bao linh vay vén 33 4.085.688 5.353.955 2. Camkét gi2z0 dich hdi doi 39 2.723.799 3.274.646 2. Cam két mua ngogi té 1.581.271 1.647.813, b. Cam két bén ngooi t8 1.142.528 1.626.833 3. Camiét trong nghiép ww UC 39 79:827.914, 68,683,562 4, BBo lénh khdc 39 155.955.887 145.684.887 5. Camkét khéc 39 22,696.460 8.771.607 Nguoi lap Nguoi phe duyét ‘ ‘Vuong Thi Thanh Hoa ‘Ta Thi Hanh ‘Trwéng phong Ké toan treéng Pho Téng Glim d6c (Theo Thu Dy quya sé Ban Ké toan 451/QD-BIDV ngay 15 thang 6 Nady 04 théng 3 ndm 2022 ‘nm 2020 cia Chi tich HPQ) Céc thuyét minh kém theo 18 mot bé phan hop thanh cio Béo cdo tai chinh hop nha nay 7 4a horNGAN HANG THUONG Mal CO PHAN DAU TU’ VA PHAT TRIEN VIETNAM ‘Thép BIDV, 35 Hang Vl, LY ThAIT6, Hoan Kiém Ha NGi, CHRHCN Viet Nam MAU B03/TCTD-HN Ban hanh theo Théng tu s6 49/2014/TT- NHNN gay 31 thang 12 ném 2014 cba Ngén hang Nha nue x 10. 1, xi Neudi lap BAO CAO KET QUA HOAT DONG KINH DOANH HOP NHAT (Cho nim tdi chinh két thic ngay 31 théng 12 ném 2020 cuitieu Thu nhap Iai va cfc khodn thu nhap tuong ty CChi pht 131 va cdc cht phi tuong ty ‘Thu nhgp 181 thuan ‘Thu nhép tir hoat dong dich vy Chi phé hoat dng dich vy Lai thulin tir hoat ddng dich wy LSI thulin tir hogt déng kinh doanh ngoai héi Ll thulin tir mua bén ching khodn kin doanh Bi thulin tir mua ban ehting khodn Bu tur Bl thuln tir mua ban ehiing khosn Thu nhgp tirhoat dong khac Chi phi tur hogt dong khac Ll thun tir host dong khéc Thu nhgp tir g6p vn, mua o6 phn Téng thu nhép hoat déng. Chi phi nhan vien Chi ph Khu hao va khdtu teer Chi ph hoat dong khéc Téng chi phi hoat dong Loi nhugn thuln tir hoat dong ‘truée chi phi du phang rii ro tin dung Chi phi dy phong ri ro tin dung Tong igi nhudn tnd thué Chi phi thué TNDN hign hanh Chi phi thu TNON hon Iai Chi phi thué TNON Lgt nhugn sau thu Phan bé (13) cho 6 dng khong kiém sost gi nhugn thuln eda Ngan hing me Lal co bin trén m&i ¢& phiéu (dong/cd phiéu) Nawot phé duvet Born vj: Trigu VND Thuyét minh Nam nay Nim tude 26 1100.887.502 100,747.225 7 (6.890.703) (64.769.417) 5.796.799 35.977.808 8.618.090 7.871.837 (3.351.709) (3.605.506) 28 5.266.381 4.256.331 29 1.732.324 1.498.696 301 478.68 325.524 302 1.516.137 481.222 1.994.805, 306.746 7.992.789, 6.517.869 2.900.221) 1.156.695) 31 ‘5.092.568 5.361.174 32 154.267 21a.a8s 0.037.144 4a.121.240 (20.117.321) (9.722.449) (980.093), (2.023.773) (6.595.546) (6.510.883) 33 (17.692.960) (a7.257.115) 32,.344.184 30.864.125 9,33, 146 (23.317.941) (20.131.916) 9.026.243, 0.732.209 (1.799.378) (2.162.657) (3.300) (21.795) 4 (2.802.678) (2.184.452) 7.223.565 8.547.757 (279.266) 368.491 Vuong Thi Thanh Hoa Ta Thi Hanh ‘Trung phong KE toan truéng Ban Ké toan Nady 04 thang 3 nm 202 Ph Téng Giém dc (Theo Thu Dy quyn 56 4S1/Q0-8IDV ngay 15 thang 6 nm 2020 cia Chi tich HBQT) (Ge thuyét minh Kem theo le mét b6 phén hop than cia Bao cho ti chinh hop nhét nay 8 & evel 1k 7 ge htNGAN HANG THUONG MAI CO PHAN DAU TU VA PHAT TRIEN VIET NAM MAU B04/TCTD-HN ‘Thap BIDV, 35 Hang VOI, Ly Théi T6, Hoan Kiém Ban hanh theo Théng tu s6 49/2014/TT-NHNN Ha NOI, CHRHCN viet Nam. gay 31 thing 12 nm 2014 cla Ngan hang Nha nude BAO CAO LUU CHUYEN TIEN TE HOP NHAT Cho nam tai chink két thi ngay 31 thdng 12 ndm 2020 on vi: Trigu VND Thuyét minh Nim nay Nim truge LU'U CHUYEN TIEN TU HOAT DONG KINH DOANH ‘Thu nhép lai va céc Khodn thu nhép twong ty nhin durge 102,790,502 300.233.777 CChi phi lai v8 cde chi phi tuong ty 3 tr8 (67.158.420) (60,799.870) Thu nhdp tis hoat déng dich wy nhan dg 5.266.381 4.266.331 CChénb lech 36 tin thu thu tir host déng kinh 4,085,385 2.689.112 doanh ngoai té va ching khodn Chi hoat déng khae (2.050.717) (409.071) Tién thu céc kho’n ng 68 dug xir ij xéa, bu dp 7.135.895 5.777.810 bing ngudn dy phong di ro Tin chi tré cho nhén vign va host dng quin Wy, (19.160.792) (25.665.395} cong wi Tin thué thu nhép doanh nghigp thyc nop trong 24 (2.109.973) (1.871.343) nam Luu chuyén tin thuiin tir hoat dng kinh doanh ‘ruréc nhitng thay di vB tai sin va vén lu 66ng seareee ae NG —_____ NH Nhiing thay d6i v8 tai sin host déng or ry (Tang)/Gidm cée khodn tién, vang git va cho vay cic (14,905.62) 9.972.481 TCTD khde Gidm/(Ting) cic khoan v8 kinh doanh ching khosn 12,505.590 (10.084.536) (Tne) cdc céng cu t3i chinh phai sinh va cdc tal s8n (75.803) (12375) tai chinh kde (Ting) cic khodn cho vay khach hing (97.297.933) (128.259.205) (Gidm) ngudn dy phong éé bu éép tén that cdc——13, 145, (25.17.78) (9.686.295) khoan ng xéu, tréi phiéu doanh nghigp va téttoan 146 tri phigu die bigt Gidm/(Tang) khdc v8 t2i sin hoat é6ng 2.327.520 (712.579) ) hing thay d6i v8 céng ng hoot d6ng (Gidm) cde khodn ng Chinh phi va NHN (4.130532) (14.945.095) Tang/(Giam) cdc khoan tin gt, tiBn vay cde TCTD khée 5.577.669 (2.514.970) Tang tin eit ca khach hang (bao gdm cd KBNN) 25.104.641, 142.899.173 Tang phat hanh gly t8 cé eid (ngoai trix eidy to 464.330 22.781.001, 6 gia phat hanh dugc tinh vao hoat dong tai chinh) “Tang céc ngubn vén tai tra, dy thie dBu tu, cho vay 465,850 90.225 ma TCTD chiu ri ro (Gidm) khac v8 céng no hoat dong (2.288.773) (24.928) (Chi tir quY cia 6 chit tin dung (198) (379) Luru chuyén tin thud tir hoat é@ngkinh doanh (67512810) 33:746.863 (Gde thuyét minh kém theo 1d mét b6 phén hgp thanh ciia Bao cao tai chinh hep nhat nay 9NGAN HANG THUONG Mal C6 PHAN DAU TU VA PHAT TRIEN VIET NAM MAU B04/TCTD-HN Thap BIDV, 35 Hang Véi, LY Thai 76, Hoan Kiém Ban hanh theo Thong tu s6 49/2014/TT-NHNN Ha NGi, CHXHCN Viet Nam ngay 31 thang 12 nim 2014 cla Nedn hang Nha nue BAO CAO LUU CHUYEN TIEN TE HOP NHAT (Tiép theo) Cho néim tai chinh két thic ngay 31 thang 12 ndm 2020 Bon vi: Trigu VND Thuyét minh Nam nay Sry LWU CHUYEN TIEN TU HOAT BONG BAU TU Mua sém tai sin ¢8 din (1.061.633) (432.570) “in thu ti thanh Iy, nhurgng bén TSCO 8.545 5.299 Tin chi tirthanh Wy, nhwgng ban TSCD (2.154) (12864) “Tin chi du tur, e6p vn vao céc don vi khée - (1.358) ibn thu c6 tite vi loi nhuin 6urge chia tis cdc khoSn 134.987 311.061 au tu, e6p von dai han luzu chuyén tin thufin tir hogt dng du tur (919.255) (330.433) uu cHUYEN TIEN TU HOAT BONG TAI CHINH ‘Tang vén e8 phn tir gép vén va/hode phat hanh cB 20,295.103, phigu C6 tc tr8 cho 6 dng, Iol nhuan 68 chia (2.669.086) (4.844.230) Luu chuyéi tin thuiin tir hoat €6ng tai chinh (2.669.096) 15.450.873 lau chuyéin tin thun trong nm (71.501.161) 48,865,303 Vo Tien va cde khodn tung durong tién éu nam 170,272,402 321.407.099Ayy Tin va cdc khoan tong dvong tién cudi nim 36 98.771.241, 170.272.402 we Nguislip gui phé duyét y w / i ‘a Uy ( oh 8 Vuong Thi Thanh Hoa Ta ThiHenh Truéng phone K6todn trong Phé Téng Gidm a6 (Theo Thur By quyén sé Ban Ké ton 451/Q0-BIDV ngay 15 thing 6 gay 04 thing 3 ném 2021 ‘rim 2020 clia Chi tich HOQT) (Céc thuyét minh kém theo 18 mBt b6 phén hop thanh cia Béo cdo thi chinh hop nha nay 10NGAN HANG THUONG MAI C6 PHAN DAU TU'VA PHAT TRIEN VIET NAM. MAU B05/TCTD-HN ‘Thap BIDV, 35 Hang V6i, Ly Thai T8, Hoan Kiém Ban hanh theo Théng tu’ sé 49/2014/TT-NHNN. Ha NGI, CHXHCN Vigt Nam_ rngay 31 thang 12 nm 2014 ciia Ngan hang Nha nude ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT ac thuyét minh nay 1a mét 66 phén hop thanh ve cin duoc doc ding thé vei Béo cto tai chinh hep nhét Kem theo i ‘THONG TIN KHAI QUAT VE NGAN HANG ‘Thanh lp va hoat dong [Ngan hang Thuong mai CS phn Ou tu va Phat trign Viét Nam (sau éay goi tét 18 “BIOV” hode “Ngan hang”) duc thanh lap theo GiSy phép Thanh Igp va Hoat déng sé 84/GP-NHNN ngay 23 thing 4 nim 2012 do Ngan hang Nha nude Viét Nam cp (43 dugc siva d6i theo céc Quyét dinh: () Quyét dinh sé 2021/QB-NHN ngay 13 thang 20 nm 2035, (i) Quyét dinh s6 2266/Q-NHNN ngay 27 thang 10 nim 2017, i) Quyét dinh sé 842/Q5-NHNN ngay 20 thang 4 ndm 2018, (v) Quyét dinh s6 1166/Q8-NHNN rngay 30 thang 5 nm 2018, (v) Quyét dinh s6 103/Q0-NHNN ngay 21 théng 01 ndm 2020) va Giy chung rnhan Bang ky Doanh nghip s6 0100150619, dng ky thay d6i fin thir 25 do Sd KE hoach va Dau ty ‘Thanh phé H8 NOI c&p ngay 20 théng 02 nm 2020. 'Ngin hang due thanh lép nhm thyc hign céc hoat dng nga hang theo Gidy phép Thanh lap va Hoat dong va Gidy chime nhgn Bing ky Doanh nghigp, bao gdm nhin tibn gir khéng ky han, tién gu cb ky tran, tidn git tit kigm va cdc lai tn git khéc; phit hinh chiing chi ign git, Ky phiéu, tin phiéu, tri phidu 88 huy é6ng vén trong née va nude ngodi; cBp tin dung; mé tai Khodn than toén cho khéch hang; cung ting cdc phuong tién than toén; cung tng céc dich vy than todn; vay vén cla Ngén hang Nha nude dudi hin thi tai cip vén; vay vn cia t8 chitc tin dung, t6 chic tai chinh trong nude ‘nutéc ngoai; mé tai khodn; t6 chic va tham gia hé th6ng than todn; gép von, mua c6 phan cia doanh\ rnghigp va t6 chic tin dung khac; tham gia du thu tin phiéu Kho bac, mua, ban cong cy eh nnhurone, trdi phiu Chinh phi, tin phiéu Kho bac, tin phiéu Ngan hang Nha nude va céc gidy ti cb gig = Kinde trén thi trang tién t@; kinh doanh, cung ting dich vu ngoai hdl trén thi trug trong nude v8 quit 18 trong pham vi do NHNN Viét Nam quy éinh; kinh doanh, cung tig sin phém phdi sinh 18i sus; thac, nhén Gy thac, dail trong finh we lién quan dn hoat déng ngén hang, kinh doanh bio hiém, quai by t&i sén theo quy dinh cia NHNN Vigt Nam; céc hoat dng kinh doanh khaéc cla ngén hang thong mai hu dich vy quan ly tién mat, tu vin ngén hing, ti chinh; cdc dich vy quBn I, bBo quan tai s8n, cho thué ti, két an todn; tu vn tai chinh doanh nghiép, tw vn mua, bén, hop nhét, sép nhép doanh nghiép vva tu’ vn du tu; mua, bén trai phiu Chinh phd, trai phiéu doanh nghiép theo quy dinh cia phép luét; ‘cung cp dich vy m6i gid tin 16; lau ky chiang khodn, kinh doanh ving; host déng mua ng; Bu tur hop ‘ng twong lal ti phiéu Chinh phé; cung ting sin phém phai sinh gid chang héa v8 céc hoat déng kinh, PUp1 Buop 804 Jud 149 (c60°086) : 2 (era (su6) (ez) (as6's96) ‘AA EWP en omy MBL Ie 1 (eearon —_oesee (ssoTt) (revert) —(vo'esz)—(eev'e)—_—eas'v69'6) ain ue sud HD wero Taste) Hew Tssese _ eaceva covery __LWeT@Y ONO AVON ayHN AHL ONOL sacest (soon) - v998 e606 5 ore'ect Leu 99 emus ‘ugn doa nm deuu mi 957605 (sr9'92) zw cer) Tas eu0% eeeeor's 20uy Hup reow mM URNA 1 S08 ¥66 seve : racos use wots ugouy sunyo ued enus a uenus ier weezeet soe sxeweet 194 1e08u en Buen yueop yup Sugp ye0y Ugnas HET (00699) 06'99 20101 uoud 09 299 199 yap O06 299 24 - 1905 “ sos 7 ree99e's (e990) 06 eerest 986 s 0959s sseecrastelerctele rae99e's eearte) 06 fvest seesss ts orseroy fin vale uop ve04 2 URN - rere - - - Were) 2014 uoud 6 262 10a Uap Oo p08 : - rss69¢ecvor eoc'ecse = ete ores reser on 200 verse igh warpraaieee esrssse 9656 ore wewt —ssear © buvort © ezoter'se ugnyy et deuu m4 NA neu ONAN@HL — ONAN@LL GNAN@L _ GNAN@HL ANANDA __NAnOUL uyouH TURD ee Bago es 2 us ‘uuu 12 3u91 anor 01 suny> ora ane eu ua ‘Ocoee yueop yupy af yuy coun Ubud @q OF OFe NH-a1D1/soa nyw (ooqy deus) 2yHN OH HNJHO IY OVD OYA HIN IZANHLL WN 131A NJRIL AYA WA AL NYG NYHd 99 IVA ONOAHL ONYH NYDNwu ign Agau gud ou Bupt urpu gn Ae@u 121 ups 1e1 BUD), gud 64 queop yury enb r9¥ tupu jon AeBu te gan youd Ou BupL uupu fon Aggu ye ugs 13 UPL ‘ueud 4 yueop yun} enb 494 CLE vOE TIFT (€08"906'2T) teg'ses'ee €Sb'SZ79'T6E'T E67°LS6°680T (sse"rez'02) T9z'996'0 O6E'SEZ'E9r'T eseevs's (t69"8T2) 868 esr 1898 GNA ML GNA Pua QNA MUL ONA MME ‘Budo Bug neo 1eodu290N dpnu Buouy rae WEN Oot 6EOLEr'T (ste’ste'et) SOE TES'SE ees 22S Tle T TLLS89 OTST (vav'ozt'tz) SOL'ES6'ED Tev'ess'e6v'T SOSETL (eze"er) ‘svz's9 ‘Le9' 900% GNA MUL GNA n9HL NA QuL (GNA M@HL mpm TOT ROTTS AANT apna BuorL OO WEN NH-a1D1/so8 ny. Aelp2An my oom ugud dq oysora 76 (024s dau) 2yHN dOH HNIHD Ty OYD Oy HNIW 4ZANHL WYN JIA NgRL LyHd WA AU NYG NYHd 99VW SNONHL ONYH NYONNGAN HANG THUONG MAIC6 PHAN DAU TU VA PHAT TRIEN VIET NAM ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) ‘Au B05/TCTD-HN 6 TIEN MAT, VANG Bac, BA QUY $6 cudi nam S65 dau nm ‘Trigu VND ‘Trigu VND Tién mat bang VND 9.465.082 9.123.222 Tién mat bang ngoai té 2.819.616 4.972.954 CChiing tir gla tri ngoal t@ 9.495 12.298.193, 7. TEN GUITAINGAN HANG NHA NUGC ("NHN") ____S6.cudinam_ __$6 daunm_ ‘Trigu VND ‘Trigu VND Tién gti tai Ngan hang Nha nu6c Viet Nam 45,571.911 132.327.499 ~ Bang VND 41.560.918 119.223.882 - Bang ngooi té 4.010.993 413.103.617 Tién git tai Ngan hang Quéc gia Campuchia 1.323.498 1.240.291 - Bing ngoai 1.323.498 4.240.291 ‘Tién gi tai Ngén hang Trung vong Lao. 2.536.735 1.687.639 ~ Béng ngoal 2.536.735 1.687.639 4943210 135.255.4829 ‘Tién Uf tal Ngan hang Nhd nude nhim myc dich thanh togn, thyc hign dy tra bat bude va key quy tai NHN Vigt Nam, Ngan hang Quéc gia Campuchia va Ngan hang Trung wang Lao theo quy dinh. N N oO ct 8. TIEN GUNITAI CAC TCTD KHAC VA CHO VAY CAC TCTD KHAC $6 cuéi nim $6 dau nim Trigu VND Trigu VND i Tigh gir tal cdc TCT khde 62.191.227 43.718.603, ih Tin givi khong ky han 14.478.998 32.097.114 - Béng VND 866.324 2.750.220 WY Béing ngogi té 13.612.674 9346894 ye Tin gir ky han 47.712229 31621489 0 = Béng VND 1.241.787 28.006.032 x ~ Béng ngogi té 6.470.442 3.615.457 ‘Cho vay cde TCTD khdc 23.295.457 10.717.769 Che vay cde TCTD khdc bing VND 2.776.601 10.240.569 Trong 6: chiét khGu, tt chiét khEu 7.863.459 - CCho vay cdc TCTD khéc bing ngoai té 518.856 477.200 Dy phong ri ro tién giti va cho vay ede TCTD khde (338.826) (146.192) 5.347858 54,290.80. 32NGAN HANG THUONG MAI C6 PHAN DAU TU VA PHAT TRIEN VIET NAM THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) MAu B05/TCTO-HN Phan tich chét luvgng du ng ti8n gli tai cdc TCTD khac (khong bao gdm tién giri thanh ton tal TCTD trong nuéc, chi nhanh ngin hang nuéc ngoai tai Viét Nam theo Théng tu 02) va cho vay céc TCTD khéc: Ng di tiéu chugn Ng can chi y Ng dé’ tigu chudin No nghi ne’ No cé kha nang mat vn $6 cudi nim $6 dau nim Trigu VND Trigu VND 82.835.669 51.915.034 1.023 1.026 2.836.692 51,916.060 DY PHONG RUI RO TIEN GiNI TAI CAC TCTD KHAC VA CHO VAY CAC TCTD KHAC Dy phangcythé Dy phangchung __Téng cbng_ Trigu VND 56 du tai ngay 01/01/2019 1.033 (Hoan nh3p}/Trich lap du phong trong nam 2019 © $6 du tal ngay 31/12/2019 1.027 (Hoan nhgp) dy phong trong nim 2020 Q Tang khac : 6 dur tai ngay 31/12/2020 10. CHUNG KHOAN KINH DOANH Chieng khoan No CChizng khodn Chinh phi, chinh quyén dia Ching khodn do cdc TCTD khéc trong nude phat anh Chirng khoan Von Ching khodn Vn do cdc TCTD kh trong nurse phat hanh. CChitng khoan VEn do cde TCKT trong nude phat hanh ‘Ching khon Vén do cdc TCTD nuréc ngoai phat hanh Dy phang ri ro ching khodn kinh doanh Trigu VND ——_‘Trigu VND 108.609 109.642 36.556 36.550 145.165 146.192 (7.409) (a1) 45 45 137.802 138.826 $6 cudi nim. $6 du nim ‘Trigu VND 9.793.887 5.667.929 9.495.520 5.667.929 298.367 . 390.549 712.450 73.878 149.497 316.182 562.430 489 523 (34.189) 6.346.190 3 i 4"NGAN HANG THUG MAI C6 PHAN DAU TU VA PHAT TRIEN VIET NAM ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) ‘Thuyét minh ve tinh trang niém yét cia céc chiing khodn kinh doanh nhu sau: MAU B05/TCTD-HN ___SBeu8t nim aunim ‘Triéu VND ‘Trigéu VND ‘Chirng khoan Ny 9.793.887 5.667.929 ‘DS niém yét 9.495.519 5.667.929 Chua niém yét (298.368 - Chirng khoan V6n 390.549 712.450 ‘Da niém yét 321.550 654.378 Chua niém yét 68.999 58.072 10,184.436 6.380.379 11, CACCONG CU TAI CHINH PHAISINH VA CAC KHOAN TAI SAN/(CONG NO) TAI CHINH KHAC (Chi tiét cdc cOng cu tai chinh phai sinh tai ngay 31 théng 12 ndm 2020 nhv sau: Téng gid tri ghi s6 ké ton Tai san Céng ng Gié tri thudn ‘Trigu VND Trigu VND ‘Trigu VND (Céng cy tal chinh phai sinh tien te 50.144.104 (49.980.238) 163.866 Giao dich ky han tién té 7.419.184 (7.394.060) 25.128 Giao dich hoan d6i tién té 42.724.920 (42.586.178) 138.742 Cong cy tai chinh phai sinh khéc 1.284.432 (1.280.365) Hodn déi Iai suat 1.284.432 (2.280.365) 51.428.536 (51.260.603) Chi tit cde céng cy t8l chinh phil sinh tai ngdy 31 thang 12 nim 2019 nhu sau: (theo ty gid tai ngay Ip bao cdo. h_ hyp nhat) alsin Congng Gis thn Tabu VND Tribu ND Trigu VND (Cong cy EM cnt hy 29.033.785 (28.939.809) 93.976 ibn te Gizo dich ky han tién te 3.398.812 (3.365.181) (33.631 Gao deh hod 6 Bate asaors (2557428) oes ing cu tl sie hl oh aassa74 (487320) as) todn 66 aaes27e (4487120) aes) Ba.059 3.426529) 2350 ‘Téng gié tri ghi s6 ké todnNGAN HANG THUONG Mal CO PHAN BAU TU VA PHAT TRIEN VIET NAM ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) 12, CHOVAY KHACH HANG Miu 805/TCTD-HN $6 cudi nam Trigu VND CCho vay cc té chite kinh té,c4 nhan trong née 1.174,770.629 1.076.979.856 Cho vay chiét khSu cing cu chuyén nhugng va cdc gidy ta 06 gid o 10.000 Céckhon phal thu ti cho thué tai chinh 2.407.251 1.418.497 Cac khodn phai tr thay khéch hang 726.281 533.940 Cho vay d6i véi cic t6 chur, cd nhan nuéc ngoai 36.691.755 38.055.692 1.214.295.916 1.116.997.985 Phin tich chét lrgng ng cho vay S8 cudi nam sauna Trigu VND % ‘Trigu VND % No dé tiéu chuan 1.179.268.926 97,12 1.072.557.727 96,02 Ng cin chi y 13.657.572 412 24.943.852 2,23 Ng dudi tiéu chudn 2.382.136 0,20 3.835.155 0,34 No nghingo- 2.462.228 0,20 4.305.007 0,39 Ng €6 kha ning mat vn 16.525.054 1,36 11356244 102 700,00 —_4416.997.985 100,00 Phan tich dur ng theo thé’ gian géc cia khoan vay No nein han (Dvd 3 nm) No trung han (Tir 1 t6i 5 nm) Ng dai han (Trén § nm) 35 $6 cu6i nim Trigu VND 763.667.195 70.036.253, 380.592.468 1.214,295.916 $6 du ai ‘Trigu VND* 699.730.5634 73.226.488 348.040.862 1.116.997.985NGAN HANG THUONG MAI C6 PHAN DAU TU'VA PHAT TRIEN VIET NAM. ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) Phan tich during cho vay theo di tugng khéch hang va theo logi hinh doanh nj Céng ty Nha nue Ong ty TNH trén mot thanh vién Véi vn Nha nud trén S056 Céng ty TNHH khac Céng ty ¢6 phn vn Nha nude trén 50% Cong ty of phn khéc Céng ty hep danh Doanh nghiép 06 von dau tu nut goa Hop tacxa va lin higp hop téc x3 Doanh nghiép tu nhin, cd nhan ‘Bon vi hanh chinh su nghiéo, Ding, doan thé va hiép hdl Khae $6 cuéi nim ‘Trigu VND 27.061.345 3.541.739 308,543,368, 60.682.631 349,789.97 998 20.842,782 679.198 442520980 632900 1214.29: Phan tich dur ng’ cho vay theo nganh nghs kinh té Nong, lém nghigp va thiyy sin Khai khoang Cong nghiép ché bién, ché tao ‘Sén xuat va phan phi dién, khi dt va murde Xay dung Ban buén va ban 18; sita chia 6 t8, xe may va xe 6 dong co khée Van t8i kho bai Djch wy Hoat déng kinh doanh bat dong sn Nganh khéc $6 cu6i nim ‘Trigu VND 3.932.759 13,848.23 195.480.485 68,298.32 108.049.8382 373.938.373 47.280.184 143,556.862 29,791,513 180.119.353 1.214.295.916 36 2,23 0,29 25,41 5,00 28,81 72 0,06 36,43 4,44 114 16,10 5.62 8,90 30,79 3,89 1482 2,45, 14,85 100,00 MAU B05/TCTO-HN 56 dau nim Trigu VND % 723.265.1589 2,08 3.416995 0.31 277.606.6571 24,85 65,658,222 5,88 331.609.672 29,69 ns 21.626.375 1,94 991905 9.08 391,959.180 35,08 763.831 0,07 99.240 001 1.116.997.985 _ 100,00 $6 dau nim ‘VND % 47.248.686 4,23 11824738 1,06 184,205,141 16,49 54226819 4.85 105612427 9,46 340021921 30,44 45.798.432 4,10 145.510.899 13,03 29.960325 2,68 152.592.597 13,66 1.116.997.985 _ 100,00 A ot mae asNGAN HANG THUONG Mal C6 PHAN BAU TU VA PHAT TRIEN VIET NAM. ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tiép theo) MAU 805/TCTD-HN B. DY PHONG RUI RO CHO VAY KHACH HANG Dy phng ri ro cho vay khdch hang tai Vigt Nam Dy phong ri ro cho vay khdch hang tal céc thi trudng nuréte ngoai $8 cu6i nim $6 unm Trigu VND Trigu VND 18.368.762 13,923,743, 687.186 708.383, 19.055.948 18.6: Bién dong dy phong trong nam tai chinh két thic ngay 31 thang 12 nim 2020 nhu sau: $6 du du nim Trich lap du phong rii ro trong nam Xir ly rai ro trong nim (Gidm) khdctrong nam $6 du cui nim Dy phong Dy phong ey thé chung, Téng cong. Trigu VND ‘Trigu VND ‘Trigu VND 6.602.261 8.029.875 14.632.136 20.752.273 514.286 21,266.559 (26.802.855) - (26.802.855) (39.587) (205) (39.892) 0.512.092 856 19.055.988 Bign é6ng dy phong trong nam tai chinh két thic ngay 31 thang 12 nfm 2029 nh sau: $6 dur dau nam 1p dy phang ri ro trong nm Xir lyri ro trong nim Tang/(gidm) khac trong nim $6 dur cui nim 37 Dy phony Dy phon a vee ung Toren Trigu VND Trigu VND_ 5.288.082 7.116.267 112.404.3093 17.265.868 913.687 18.179.555 (26.019.008) - (6.019.008) 67.359 (73) 67.280 6.602.261 8.029.875 14,632,136 Now Wee 29NGAN HANG THUONG MAI C6 PHAN DAU TU VA PHAT TRIEN VIET NAM ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tigp theo) 14. CHUNG KHOAN BAU TU 14.1 Ching khodn dau tu sn sang a8 bin (Cheng khodn No CChiing khosn Chinh pha, CChiing khoan No’ do ce TCTD khac trong nude phat hanh CChiing khodn Ng do cc TCKT trong nud phat hanh Ching khodn VEn CChiing khodn V6 do cic TCTO khéc trong nude phat hanh CChiing khodn Vén do cic TCKT trong nuréc phat hanh CChiing khodn Vén nude ngoai Dy phang rii ro ching khodn ng ching khodn sin sing a6 ban Dy phong glém gl Dy phong chung 112,00.886 $6 cubi Trigu VND 112.091.031 78.805.292 26.621.204 6.664.535 101.307 23.064 67.491 10.752 (151.452) (25.992) (125.460) iu B05/TCTD-HN $6 Gaunsm Trigu VND 121.749.386 29.443.691 23,283.715 9.021.980 69.703, 24.489 34.067 31.147 (183.552) (28.107) (255.445) 121.635.537 14.2. Chimng khodn dau tu git dn ngay do han (khong bao gdm Trdi phiu dc bigt do VAMC phét hinh) $6 cudi nim CChizng khodn Ng" ‘Ching khodn Chinh phi ‘Ching khodn Ng do cde TCTD khdc trong nutéc phat hanh ‘Ching khodn Ng do céc TCKT trong nutée phat hanh CChizng khoda Ng nusde ngoai Dy phang ri ro chiéng khoan ng dau tu gid? dén ngay 60 han Dy phong chung Dy phang cy thé 14.3 Trai phiGu dic bigt do VAMC phat hinh $8 cudinim Ménh giétréi phiéu dic bi Dy phong trai phigu dic biet 38 ‘Trigu VND 13.501.317 1.602.418 563,714 9.608.051 1.727.134 (427.281) (59922) 57319) Trig VND 13.074.076 $6 dau nam ‘Trigu VND 13.950374 1.872.744 642.348 10,797,538 937.748 (314.422) (73.330) (241.092) 13,635,952 $6 dau nim Trigu VND 9.312.087 (6.299.125) 3.012.932 ‘SN lis ap EKNGAN HANG THUONG MAI CO PHAN DAU TU VA PHAT TRIEN VIET NAM ‘THUYET MINH BAO CAO TAI CHINH HOP NHAT (Tip theo) Au Bos/TcTo-HN 14.4 14s 146 Phan tich chat lrgng chirng khosin dug phan logi la tai sin cé ri ro tin dung theo ménh gi (khng bao gdm trai phiéu djc bidt) ‘$6 cudi nim $6 du nim Tribu VND % TatuyND Ng i tiéu chugn 20.070.608 75,89 28.668.358 97,43 Ng can chi ¥ 5.876.000 22,22 - - Ng dudi tiéu chugn - - - le No aghi ne - : : : Ng 06 kha nang mat vén 499.389 757.000 2,57 eas 97 asap 2525358 — 100,00 ign 66ng dy phdng ril ro ching khodn au tu (khang bao gdm tral phiGu dic biét) Ching khodn dau tu Chang khodn du tu sin sing a8 bin sit’ dén ngay 60 han Dyphéng Dy phing Dyphong Dy phing Dyphong gidm gid chung ___cu thé chung ___cythé __Téngcong Trigu VND Trigu VND Trigu VND = Trigu VND TriguVND —Trigu VND $6 dur dau nim 28.107 155.445 - 73330 2a40s2 «497.974 (Hoan nhap)/ Trich lap (xem Thuyét minh 6 302) (2.115) (29.985) - (13.408) 383.227 337.719 Xir ly ro trong nam . : 3 = (257.000) (257,000) $6 du cubi nim 25992 125.460 = 59522367319 578.693 Bign dng dy phang ri ro trii phiéu dic bigt $6 cudi nm $6 dau nim ‘Trigu VND ‘Trigu VND $6 du dau nam 6.299.125 7.631.601 gp trong nm 2.058.793, 1.915.811 Sir dung dy phong tat ton trdi phi6u trong nim. (8.357.918) (3.248.287) 6 dur cubi nim 5 6.299.125, 39 Ne NE on en 2 3 * te.