Báo cáo tài chính năm 2014 (đã kiểm toán) - Công ty Cổ phần Bảo hiểm Ngân hàng Nông nghiệp

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Báo cáo tài chính năm 2014 (đã kiểm toán) - Công ty Cổ phần Bảo hiểm Ngân hàng Nông nghiệp

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Báo cáo tài chính năm 2014 (đã kiểm toán) - Công ty Cổ phần Bảo hiểm Ngân hàng Nông nghiệp tài liệu, giáo án, bài giảng...

K PMG Cong ty Co phin Bao him Ngfin hang Nang nghqp Bao cao tai chinh cho nam ke't thuc 31 thang 12 narn 2014 Cong ty CO pha'n Bao him Ngfin hang N8ng nghi0 Thong tin ve Cong ty GiAy phép kinh doanh bao hiem S6 38/GPDC4/KDBH thang nam 2015 Giay phdp kinh doanh, bao hiem BO Tai chinh cap, c6 hieu lktc tir ngdy k2 va dã duvc dieu chinh nhieu lan, Ian diet' chinh gAn day nhat la GiAy phep dieu chinh s6 38/GPDC4/KDBH thang nam 2015 Hi dOng Quart tri Ong Dinh Viet Dong ChCi tich (b6 nhiem 30 thang 12 neim 2014) Ong Nguy6n Van Minh ChCitjch BA Hoang Thj Tinh Pho Chu tich :Ong Dang The Vinh Ong PhArn Dirc TuAn Ong Duvng Van Thanh Thanh vien Thanh vien Thanh vien Ban Kim sok Ong Mai Khanh Chung BA Luu Thi Viet Hoa BA To Thi Phumg Loan Truing ban Thanh vien Thanh vien Ban T6ng Clam dc BA Hoang Thi Tinh nhiem 30 thang 12 nam 2014) nhiem 15 thang nam 2014) T6ng Giam dc (b6 nhiem thang nom 2014) Ong Nguyn Van Minh Tang Giam doc (Mien nhiem thang nam 2014) BA Hoar-1g Thj Tinh Pho T6ng Giam dôc (Min nhiem thcing Om 2014) Ong D'6 Minh Hoang Ong Quach TA Khang Ong Mai Sinh Ong Nguyen Tien Hai Pho Tong Gam d6c Ph6 T6ng Giam doc Ph6 Tong Gam doc Pho T6ng Giam d6c (b6 nhiem thang neim 2014) Nguiri di din BA Hoang Thi Tinh T6ng Giam dc Try s& clang 14 TAng 6, T6a nhA chung cix 29T1, Duerng Hoang Do Trung Hoa, QuAn CAu GiAy Ha Ni, Viet Nam Cling ty kiem Wan Cong ty TNHH KPMG Viet Nam Cong ty Co Wan B.iio hiem Ngan hang NOng nghiep BA° cao ciia Ban Tong Clam doe Ban T6ng Giam dc Cong ty chju trach nh*n lap va trinh ‘bay bao cao tai chinh theo cac Chun muc Ke toan V* Nam, cac quy dinh có lien quan cia Che d6 Ke toan Doanh 4,114 V* Nam áp dung cho cac doanh nghilep bao him phi nhan th9 ban hanh theo Thong ttr so 232/2012/TTBTC 28 thang 12 nam 2012 dm B6 Tai chinh va cac quy dinh phap IS/ có lien quan den v* lap va trinh bay bao cao tai chinh Theo Si kien dm Ban T6ng Giam die Cong ty: (a) bao cao tai chinh duvc trinh bay tir trang den trang 50 da phan anh trung thuc va hgp 12 tinh hinh tai chInh cüa Cong ty tai 31 thang 12, nam 2014, ket qua hoot dOng kinh doanh va lixu chuyen tien t cüa Cong ty cho nam ket th6c ding ngay, phü hgp vài cac Chuan muc Ke toan Viêt Nam, cac quy dinh có lien quail cila Che d6 Ke toan Doanh ngh4 V* Nam áp dung cho cac doanh nghiO bao hiern phi nhan th9 ban hanh theo Thong ttr s6 232/2012/TT-BTC 28 thang 12 nam 2012 cUa B9 Tai chinh va cac quy dinh phap co lien quail den vie.c lap vã trinh bay bao cao tai chinh; va (b) tai lap bac) cao nay, khong cO gi de Ban Tang Giam d6c cho rAng C6ng ty khong the toan cac khoan ng phai tra den han Tai kap bao cao nay, Ban T6ng Giam de Cong ty dã phe duy't Oat hanh bao cao tai chinh CtiltgylAt T' _ Giam dc, CO PHA CA04-116A N N6 Tinh Tdng Giam dOc Ha Ni, 27 thang nam 2015 KPMG Limited 46' Floor, Keangnam Hanoi Landmark Tower, 72 Building, Plot E6, Pham Hung Street, Me Tri, Tu Liem, Hanoi city The Socialist Republic of Vietnam Telephone + 84 (4) 3946 1600 Fax + 84(4) 3946 1601 Internet www.kpmg.com.vn BAO CAO KET QUA KAM TOAN DOC L8P Kinh gui cac Co (tong Cling ty Co phan Bao hiem Ngan hang Nang nghi0 Chung Col dã kiem toan bao cao tai chinh dinh kern dm Cong ty C6 phan Bao him Ngan hang Ming nghiep ("Cong ty"), bao gôm bang can doi ké toan tai 31 thang 12 nam 2014, bac) cao ket qua hot dOng kinh doanh, bao,cao km chuyen tien te lien quan cho nam ket thuc ding va cac thuyet minh kern theo duvt Ban Tong Giam doc Cong ty phe duyet Oat hanh 27 thang nam 2015, duvc trinh bay tit trang den trang 50 Trach nhi@n ctia Ban Tong Clam d'oc Ban T6ng Giam d6c Cong ty chiu trach nhiem lap va trinh bay trung thtrc va h9p 19 bao cao tai chinh Che d6 Ke toan Doanh nghiep Via Nam theo cac Chuan mtrc Ke toan Viet Nam, cac quy dinh áp dpng cho cac doanh nghiep bao hi'em phi nhan th9 ban hanh theo Thong al s6 232/2012/TT-BTC 28 thang 12 nam 2012 cua B6 Tai chinh va,cac quy dinh phap 19 c6 lien quan den viec lap va trinh bay bao cao tai chinh, va chiu trach nhiem ye kiem soat n6i 136 ma Ban Tong Giam doc xac dinh la can thiet de darn bao viec lap bao cao tai chinh khong c6 sal sot tr9ng y'eu gian lan hay nham Ian Trach nhint cita kiem toan vien Trach nhiem cilia chung toi la dtra kin Af‘ bao cao tai chinh Oa tren, ke't qua kie'm toan cilia chimg toi Chting toi dã thtrc hien cong viec kiem toan theo cac Chuan mkrc Kiem toan Via Nam Cac chuan mtrc yeu cau chi:mg toi man thu chuan mtrc va cac quy dinh ye ciao dire nghe nghiep \fa lap ke hoach va thtrc hien cu6c kiem toan de dat duvc str dam bao hp 19 ye viec lieu bao cao tai chinh c6 sai sot tr9ng yeu hay khong Cong,viec kiesm toan bao gm viec thgc hien cac thu tpc nhAm thu thap cac bAng chang kiem toan ve cac so lieu va cac thuyet minh bao cao tai chinh Cac thir tic duvc ltra chon dtra ten xet doan cilia kiern toan viên, bao gOm danh gia rui ro c6 sal sot tr9ng yeu bao cao tai chinh gian Ian hoc nham Ian Khi thkrc hien cac danh gia rüi ro nay, kiem toan vien xem xet kiem soat n6i ID6cüa don, vi lien quan ti viec lap va trinh bay, bao cao tai chinh trung thtrc va h9p 19 nham thiet ,ke cac thñ tpc kiem toan phu hp voi tinh hinh thtrc te, nhien khong nham mpc dich dtra kien ye hi'eu qua cilia kiem sok n6i bi dm dun Nil Cong viec ki'em toan cuing bao gorn ‘viec danh gia tinh thich ho:p cilia cac chinh sach kê toan &rye áp dpng va tinh hgp 19 dm cac trot tinh ké toan dm ban giam doe, cling nhlr danh gia viec trinh bay tong the bao cao tai chinh Ching toi tin fang cac bang chlrng kiem toan ma chi:mg toi thu duvc la day va thich hcp lam co so cho kien kiem toan cilia chang toi 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 K PMG kin cüa kiem toan vien Theo kin cia chung toi, bao cao tai chinh dã phan anh trung dive va hgp I, tren cac khia canh tr9ng you, tinh hinh tai chinh cua Cong ty Co phan Bao hiem Ngan hang Wing nghiep tai 31 thang 12 nam 2014, ket qua hog Ong kinh doanh va km chuyen tien t cua Cong ty cho nam ket thlic ding ngay, Che d9 Ke toan Doanh nghiep Viet phi" hgp vó.i cac Chuan miyc Ke toan Viet Nam, cac quy dinh Nam áp dting cho cac doanh nghiep bao hiem phi nhan dig ban hanh theo Thong tu so 232/2012/TTBTC 28 thang 12 nam 2012 c6a 139 Tai chinh vã cac quy dinh phap có lien quail den viec lap va trinh bay bao cao tai chink Cong ty TNHH KPMG Viet Nam GiA nhAn dAu tu s9: 011043000345 n s9: 14-02-451 Tran inh Giay chi:mg nhAn [Yang k Hanh nghe' Ki&n toan s9 0339-2013-007-1 Pho Tong Giam cloc Nguyn Minh HiL Giay chang nhAn Dang14, Hanh ng1-1 Kiem toan s6 1572-2013-007-1 HA Ni, 27 thang nam 2015 Milu 1301 — DNPNT Ging ty Co phan 13iio hiem Ngfin hang Nong nghi"O Bang can (-16i ke twin tai 31 Mang 12 nam 2014 Ma so ThtlyCi.t minh 31/12/2014 VND 31/12/2013 VND (phan lo3i Ii) TAI SAN A TAI SAN NGAN HAN 100 I Tien va cac khoan tuvng (Wang tin TiL Cac khoan Wang throng tien 110 111 112 It Cac khoan dau ttr tai chInli ugan halt Dau ttr ngan hui 120 121 III I I 1.2 Cac khofin phai thu ngin h3n Phai thu cüa khach hang Pheti thu ye hop clong bao hiem Phai thu khac cita khach hang Tra nix& cho ngtreyi ban Cac khoan phai thu khac 1:116 d6i Dv phong phai thu ngan IV Hang ten kho Hang ton kho V 1.1 1.2 Tai san ng.a'n h4n Mille Chi phi tra truck ngan han Chi phi hoa hijng chula phan bd Chi phi tra trurk ngan han kit& Tai san ngan han khac VIII Tai san tai ha() hiem Du phong phi nhuviu,, tai bao hiem Du phongli thaolig nhuvng tai bac) hiem 130 131 131.1 131.2 132 135 139 1.009.764.485.637 942.998.189.410 215.685.410.954 50.185.410.954 165.500.000.000 475.018.018.342 39.518.018.342 435.500.000.000 552.500.000.000 552.500.000.000 143.521.566.749 143.521.566.749 140 141 150 151 151.1 151.2 158 190 191 192 17 122.421.771.622 217.257.829.835 105.127.553.463 198.876.567.367 85.745.126.129 /92.372.090.547 6.504.476.820 19.382.427.334 1.407.913.400 1.796.662.118 19.726.466.430 19.781.788.125 (4.284.232.084) (2.753.117.362) 1.492.794.996 1.492.794.996 1.049.965.195 1.049.965.195 57.369.820.085 55.012.500.606 55.012.500.606 1.992.568.395 13.692.613 2.357.319.479 13.692.613 1.978.875.782 60.294.687.980 28.504.275.547 104.158.240.894 27.690.818.337 31.790.412.433 76.467.422.557 Cac thuyit minh dinh kern be; phOn hop boo coo tai chinh Milt' B01 — DNPNT Cong ty CO phAn BA() hiêm Ngfin hang Ming nghiqo Bang can di k Wan ti ttgay 31 thing 12 nam 2014 (tip theo) Ma so Thuyet Minh 31/12/2014 VND 31/12/2013 VND (phan B TAI SAN DAI HAN I 4.1 4.2 Cac khofin phai thu dal 114n Phai thu dal han kliac Ki, quy bcro hiem Phai thu clai khcic II Ili san c dinh Tai sari cch) dinh hiru hinh - Nguyen gia - Giá tri hao mon luy kê Tai san cô dinh vo hinh - Nguyen gici - Giá tri hao mon luy ké 220 221 222 223 227 228 229 Cac khoan du tn tai chinh dai 114n Dau tu (-Jai 11411 Ude s Du phong giam gia dau tu tai chinh dai han 250 258 Tai san dai 11#11 khac Chi phi tra trtrac dai han 260 261 4.842.574.510 4.842.574.510 3.106.199.476 3.106.199.476 TONG CONG TAI SAN 270 1.145.268.557.599 1.071.034.597.316 IV I V Ccic thuyb 200 210 218 218.1 218.2 10 11 12 13 135.504.071.962 128.036.407.906 6.243.968.670 6.243.968.670 6.000.000.000 243.968.670 6.380.700.000 6.380.700.000 6.000.000.000 380.700.000 124.417.470.480 77.173.569.673 100.843.714.490 (23.670.144.817) 47.243.900.807 48.688.273.070 (1.444 372.263) 111.278.583.630 73.543.383.182 91.352.619.654 (17.809 236.472) 37.735.200.448 38.808.127.962 (1.072.927.514) 58.302 58.302 7.270.924.800 14.719.049.811 (7.448.125.011) 259 dinh kern la b() pkin hgp bao cao tai chinh Mau B01 — DNPNT Cling ty CO phan Bao hiCm Ngfin hang Nang nghi0) Bang can di k toan ti 31 thing 12 nam 2014 (tiep (two) Ma A SO Thuyet MI Oh 31/12/2014 VND 31/12/2013 VND (phan 10010) NGUON VON A NO PHAI TRA 300 No' non h4n 310 312 Phai tra cho nguei ban 312.1 Phai tra ye hop clong bao hie'm 312.2 Phai tra khac cho ngwai ban 314 Thue' va cac khoan phai np Nha ntro.c 315 Phai tra ngueyi lao dOng Cac khoan phai tra, phai np ngin hn 319 khac Doanh thu hoa h6ng chua ducyc huong 319.1 11 Quy khen thuang, phiic 323 329 13 Dkr phOng nghie'p via 13.1 DvphOng phi bao hiem gac va nhan tai 329.1 bao hi e'm 13.2 Dv phong bói th.trong bet° hihn gac va 329.2 nhan tai ha° hiem 13.3 Dtr phong dao d'Ong lc'yn 329.3 I 2.1 2.2 II Ncy dal Ilkin Phai tra dai han khac Doanh thu chua thkrc hien 330 333 338 B VON CHU SO HtlU VOn chti him Ngu6n vtin kinh doanh T1-,lang c;lu von c6 phAn Co phi,eu quy Quy dau phat trien Quy dkr phOri tai chinh Quy dir trir bat buOc bpi nhuan sau time cllira plian ph6i 400 410 411 412 414 417 418 419 421 TONG CONG NGUON VON 440 11 14 15 16 17 18 613.637.703.436 607.223.107.179 611.165.506.735 64.163.684.614 62.110.489.748 2.053.194.866 18.097.129.806 30.678.143.007 605.190.792.096 95.960.655.241 94.272.112.611 1.688.542.630 4.114.874.447 40.200.157.555 5.956.961.806 7.477.056.629 23.474.275.339 461.318.255.534 4.922.788.405 16.133.793.791 443.858.522.657 327.341.026.315 271.895.837.206 88.871.828.566 45.105.400.653 132.849.834.281 39.112.851.170 2.472.196.701 5.000.000 2.467.196.701 2.032.315.083 5.000.000 2.027.315.083 531.630.854.163 531.630.854.163 380.000.000.000 12.000.000.000 (13.898.400.000) 10.670.838.018 8.811.463.116 17.381.940.490 116.665.012.539 1.145.268.557.599 463.811.490.137 463.811.490.137 380.000.000.000 12.000.000.000 (13.898.400.000) 8.034.780.865 6.175.405.963 11.620.147.455 59.879.555.854 1.071.034.597.316 Ccic thuyit minh dinh kem la b(5 phan hop bac, cao tai chbih Ging ty Co phAn Bao him Ngfin hang Ming nghqp Bang can di k toán tii 31 thing 12 nam 2014 (tip theo) MAti B01 - DNPNT 31/12/2014 VND 31/12/2013 VND CAC CI TIEU NGOAI BANG CAN DO! Kt TOAN Hop d6ng bao hie'rn g6c chin Oat sinh trach nhiém Ngoai te cac loai - Do la m-y (USD) 24.178.274.128 44.722.092.726 831,28 52.490,74 Ngay 27 thang nam 2015 Ngtroi Ip Ngtreei soat xet 'r k Dao Duy Trung Phong KI loan Tai chinh Ph4rri Mirth Tri Trirang Phong Ké loan Tài chinh Hoang Thi Tinh Tong Giam doc Ccic thuyb minh clinh kern la 1.0 phOrr hop bao ceto tai chinh Mau B02 — DNPNT Cling ty CO phan Bao htem Nein hang Ming nghib Bao cao ket qua hot dOng kinh doanh tong hcrp cho narn ket thtic 31 thing 12 nam 2014 Chi tieu 2013 VND 2014 VND Ma so (phan Ioi hi) Doanh thu thu'in hoot dOng kinh doanh bac, hiem Doanh thu hoat d'(mg tai chinh Thu !Map khac Tong chi phi hoot Ong kinh doanh bao hiem Chi phi hoat dOng tai chinh Chi phi quan 1j/ doanh nghiep Chi phi khac 10 12 13 20 22 23 24 458.887.808.255 552.290.468.736 41.826.130.133 43.199.471.926 690.584.850 201.668.376 (253.537.339.465) (235.493.319.832) (7.099.376.860) 5.196.694.545 (199.764.282.486) (186.551.547.321) (329.029.147) (139.314.949) 10 t6ng 19i nhu4n k toan truck thufe 50 147.936.283.157 71.442.333.604 11 Chi phi thud TNDN hien hanh 12 Chi phi thu6 TNDN hoan 1ai 51 52 (32.700.422.447) (18.746.255.055) 25.064.513 13 Lcri nhu4n sau thue thu nh4p doanh nghib 60 115.235.860.710 52.721.143.062 14 Lai ca ban tren c phieu 70 3.128 1.431 Ngay 27 thang nam 2015 Nguai lap Ngtrai sok xet tu,K-3 \\‘; t? '/ ig Thi Tinh Tdng Gicim cloc - Dao Duy Trung Phong Ke toan Tel chinh Pham Minh Tri Truyi-ng Phong Ke toan Tai chinh Ccic thuyit minh clinh kem la 1)(5 phOn hcrp bap coo tai chinh lu B09 — DNPNT Cong ty CO phan 13do hiem Ngan hAng, N6ng nghiep Thuyet minh bao cdo tdi chinh cho nam Let thfic 31 thdng 12 niim 2014 (tiep theo) 19 Doanh thu Phi bao hiem 2014 VND 2013 VND Phi ha° hiem fi3 Oc 636.941.257.257 530.848.865.899 Bao hiem nguei Bao hiem tai san va k9 thudt Bao hiern hang hod Bao hiem xe ca Bao him chay no Bao hiem tau thuyen Bao hiem trach nhiem Bao hiem thiet hai kinh doanh Bao hiem Wong nghiep 415.129.908.968 82.818.765.470 4.581.737.881 109.368.083.322 12.799.367.185 9.612.891.136 718.091.320 1.429.018 1.910.982.957 310.500.654.395 84.943.141.153 4.284.455.043 103.219.201.941 9.261.767.496 15.346.022.035 234.069.846 2.690.000 3.056.863.990 Cfic khan gifim trir phi WO hem goe (4.247.536.118) (4.753.602.879) Bao him nvoi Bao hiem tai san va k thudt Bao hiem hang hod Bao him xe ca gjai Bao hiem chay no Bao hiem tau thuyen Bao hiem trach nhiem Bao him n6ng nghiep (114.803.583) (2.521.624.411) (130.143.619) (506.038.520) (26.549.907) (610.328.435) (118.856.613) (219.191.030) (144.839.673) (2.100.767.906) (17.085.325) (640.650.938) (80.790.455) (980.623.650) (13.636.364) (775.208.568) Phi nh4n tai bfio him 24.201.827.894 20.139.236.238 Bao him nguoi Bao hiem tai san vã k9 that Bao hiem hang hoa Bao him hang khong Bao hiem xe ca Bao hiem chay no Bao hiem tau thuyen Bao hiem trach nhiem Bao hiem thiet hdi kinh doanh Bao hiem nong nghiep 8.013.884 22.521.970.214 2.096.204 427.183.426 11.303.451 71.647.814 62.147.139 500.969.673 117.434.828 479.061.261 15.506.487 16.528.311.320 618.280.016 329.918.664 6.400.170 831.119.687 541.866.482 91.418.835 1.176.414.577 (Tang)Igiiim dt.r !Thong phi bao hieni goe bao hiem (55.445.189.109) (36.889.524.788) Bao him ngitai Bao hiem tai san va k thudt Bac, hiem hang hod Bao hiem hang khong Bao him xe ca giài Bao hiem chay no s Bao hiem tau thuyen Bao hiem trach nhiem Bao hiem thiet kinh doanh Bao hiem nong nghiep (52.325.899.030) (48.314.919.251) (1.724.213.353) 9.817.765.204 107.989.817 910.591.130 (48.632.381) 318.909.579 (3.147.398.628) (6.089.641.354) (1.828.543.941) (208.251.109) 3.059.229.717 4.685.340.649 (168.952.209) 1.412.139.474 (12.377.506) 11.507.143 643.608.405 567.033.747 Duluth thu phi bao hit'm 601.450.359.924 509.344.974.470 36 IVILu B09— DNPNT Cong, ty CO phan Bao hiOm Ngan hang Ming nghi4 Thuyet minh báo cao tài chinh cho n5m ket thtic 31 thang 12 min] 2014 (tiep theo) 20 Phi nhtrqng tai bac, hiem 2014 VND T6ng phi nhuvng tai bac) hiem 57.640.600.771 55.802.111.031 Bao hiem tai sari va kj, thuat Bao hie:m hang hoa Bao hiem xecagiâi Bao hiem chay no Bao hiem tau thuyen Bao hiem trach nhie‘m Bao hiep thiet hai kinh doanh Bao hiem Wong nghiep 39.236.894.134 1.264.099.339 1.683.020.188 7.839.838.280 5.826.364.486 74.622.948 108.558.946 1.607.202.450 37.443.961.748 840.948.705 968.875.742 5.666.186.409 8.531.725.458 34.916.159 85.569.710 2.229.927.100 (Giam)/tAng dkr phOng phi nittrqng tai bat) hiem 21 (813.457.210) Bao hiêm tai sari va kj% thuat Bao hiem hang hoa Bao hiem xe CC/ qiefi Bao hiem chay no Bao hiem tau thuyen Bao hiem trach nhiem Bao hiem thiet hal kinh doanh Bao hiem nOng nghiep (896.466.191) (105.787.659) (357.072.223) (1.086.825.936) 1.352.680.486 (19.853.394) (11.494.618) 311.362.325 Phi nhtnryng tai bao hiem 56.827.143.561 8.554.681.953 841.640.409 595.076.884 160.749.580 (98.367.449) 4.669.364.679 1.357.357.726 10.914.115 1.017.946.009 64.356.792.984 Tiing chi bOi thiroing Lo4i hinh bao hiem Bao hi'em ngtroi Bao hiem tai san va ky thot (i) Bao hiem hang hod Bao hiem hang khong Bao hiem xe ca giai Bao hiem chay no s Bao hiem tau thuyen Bao hiem Wong nghi'ep (i) 2013 VND 2014 VND 2013 VND 84.599.910.288 59.323.707.541 312.790.333 99.274.240 47.819.483.210 2.260.895.818 3.728.098.690 880.312.968 54.577.091.908 21.758.898.755 9.235.588.282 264.895.363 39.629.037.068 2.640.500.920 543.865.784.820 2.309.134.948 199.024.473.088 674.280.932.064 Khoan nwc bao gm chi phi b6i thuerng cüa Cong ty cho Cong ty c6,ph'an giay Viet Drc Anh theo hap dOng bao hiem rüi ro tai san so 00034/1 1AD/TS/002/KD3 vOi tong so tien dã boi thir6ng la 37.445.709.641 VND Tuy nhien, tai theci diem lap bao cao, Cong ty giay Viet thrc Anh chua chap thuan yeti s6 tien b6i thutrng va dã giri dan khi'eu nai len Ban lanh dao cüa Cong ty Tinh den thoi diem 31 thang 12 nam 2014, Cong ty Lrac tinh dira tren bao cao cüa mOt cOng ty giam dinh dc lap va trich lap them dv• phong b6i thtftg cho nghia vii toan voi s6 tien la 8.985.283.306 VND 37 • Mau B09 — DNPNT Ging ty Co phii‘ n Bao hiCm Nglin hang Non ng-hib Thuyet minh bao ea° tai chinh elm niim kel thtic 31 tilling 12 Mint 2014 (tip theo) 22 Thu Nil Unroll-1g nhuvng tai bac, hiem 1_,ihinli ha° hem Bao him tai sari va k thuat BA° hiem hang hoa Bao hiem xe cor gioi Bao hiem tau thuyen Bao hiem chay no 23 2014 VND 33.121.811.499 38.910.165 264.731.675 2.195.806.250 1.865.006.971 7.067.520.946 4.992.476.127 337.984.902 535.635.694.929 34.724.504 37.486.266.560 548.068.401.408 Chi phi Milk ho4t d(ing kinh doanh bao hiem 2014 VND Chi hoa h6ng Chi khae hoat Ong kinh cloanh bao hiem Trong do: Chi giam clinh to.n mei! Chi doi ngur31 thic ba Chi danh gia rui ro cüa dal hiving bac hiêm Chi de phong han che' rid ro ton thdt Chi khac 24 2013 VND 55.466.495.243 88.155.009.298 1.059.591.720 524.519.279 2.075.409.691 1.033.288.858 39.665.904.493 1.084.055.363 148.779.131 1.955.337.027 3.243.709.780 18.209.294.482 99.825.209.284 112.796.185.081 Doanh thu hokit dOng tãi chinh 2014 VND ngan hang Lai tin Lai chenh lech t gia Doanh thu hoat clOng tai chinh khde 25 2013 VND 2013 VND 41.732.256.237 356.153.063 1.111.062.626 34.809.687.342 3.076.861.969 3.939.580.822 43.199.471.926 41.826.130.133 Chi phi hot dOng tai chinh 2014 VND L-6 chenh lech ty gia (Hoan ,nhap)/trich lap chy phong dau tt.r chimg khoan (Thuyet minh 13) Chi phi Iiot cl(ing tai chinh khac 71.544.896 2013 VND 4.060.394.108 (7.448.125.011) 2.179.885.570 1.060.343.200 1.978.639.552 (5.196.694.545) 7.099.376.860 Jo •1 Win B09 — DNPNT COng ty Co phan 13ão hem Ngfin hiung NOng nghiep Thuyet mink bAo can tii chink cho nam ket thuc ngky 31 tilling 12 niim 2014 (tley then) 26 Chi phi quail doanh ngh4 2014 VND Chi phi nhan vien Chi phi nguyen vat lieu Chi phi ,dimg van phong Chi phi khau hao tai san cô dinh Chi phi thue va cac khoan re phi Trich lap/(hoan nhap) city phong cac khoan pliai thu kho doi (Thuy6t minh 8) Chi phi dich Nig mua ngoai Chi phi khac bang tidn 108.404.658.367 8.930.110.550 3.947.271.201 6.751.400.458 7.624.361.966 1.531.114.722 22.024.373.115 40.550.992.107 199.764.282.486 2013 VND 100.432.493.847 8.644.448.662 2.269.330.327 7.215.252.521 5.100.618.086 (1.003.366.368) 20.394.879.337 43.497.890.909 186.551.547.321 27 Chi phi thue' thu nhip doanh nghiep hien hanh (a) Doi chieu thue sullt tiny te' ghi nhn bao cao Let qua ho4t- Ong kinh doanh 2014 VND 147.936.283.157 71.442.333.604 Thud tinh theo thud suAt cCia Cong ty Chi phi khong duvc khAu trir thu6 Dr phong Neu cac nam truck 32.545.982.295 154.440.152 17.860.583.401 219.245.164 641.361.977 TOng chi phi thud thunli0 32.700.422.447 18.721.190.542 Lai nhuan truck thud (b) 2013 VND Thue suãt Ai) dying Cong ty có %dila vi nOp thud thu nhap doanh nghiep theo thus suAt bang 22% lqi nhuan chiu thug Vic tinh thue thu nhap doanh nghiep phi thuOc vao sr kiem tra va phe duyet cta co quan thue NO)/ 19 thang Warn 2013, Quoc hi dã phe duyet Luat Sira doi BO sung mOt so didu cOa Luat Thue Thu nhap Doanh nghiep Theo do, mix thud' suat thue thu nhap cao nhat ditot giam tit 25% xu6ng 22% cho nam 2014 va 2015, va së giam tidp xuOng 20% tir nam 2016 39 •, Mu B09 — DNPNT COng ty CO philn 13ao hem Ngan hang Nong ngh4 Thuye;t minh bao cao tai chinh cho nam Let attic 31 titling 12 nam 2014 (tiep theo) 28 Lai CO ban tren c phieu (a) Lqi nhu(in thuiln thu4 ve' dOng thong 2014 VND nhuan thuan nant (b) 2013 VND 115.235.860.710 , So co phieu thong binh quan gia quyen 2013 2014 SO cO phi6u ph O thong da Oat hanh clau nam 36.841.800 36.841.800 lugng binh quail gia quy& cüa cO phi6u phO thong cuoi nam 36.841.800 36.841.800 , (c) Lai co' ban tren cô phieu 2014 2013 VND VND 3.128 LAI ca ban tren co phial 29 52.721.143.062 1.431 Giao dich vã so (Itr vol cac ben lien quart Ciao dich Ngiin bang Ming nghiep va Plat trien Nong thon Viet Nam Doanh thu phi bac, hi6m Doanh thu lai ti& gcri Chi boa hong va cac khoan chi khac Oat sinh 2014 VND 22.687.911.556 42.301.758.470 107.686.550.320 2013 VND 21.492.374.649 35.047.965.478 68.328.011.430 Cong ty cho thue Tai chinh - Ng5n hang Nong nghiep va Phats tri& Mug them Viet Nam Doanh thu lai tien 240.592.566 Cong ty cho thue Tai chinh II- Ngfin hang Nang nghiep va Phat trien Nang than Viet Nam Doanh thu lai ti6'n gui 467.714.960 Ban Tang Giam DiSc Thu AO cila Ban Tong Giam dOc kS, 3.088.240.122 3.080.849.046 40 Mu B09 — DNPNT Cong ty Co phAn Bao hie'rn Ngan hang Ming nghi0 Thuyet minh bao cao tai chinh cho nam kOt thtic 31 titling 12 Want 2014 (tit!) theo) SO du Ngan hang Ming nghiep vã Phat triOn NOng thOn Viet Nam Tien giri toan Tien c6 I(ST han Dlat CQC k qu'y Lãiduthu Phai thu phi bao hiem goc Phai tra chi phi hoa h'6ng, chi phi cianh gia rtii ro va chi bao hiern goc phi 116 trg Cong ty Cho thue Tai chinh I Ngan hang Ming nghiep NIA Phat trien Ming them Viet Nam Dat c9c mua co phial Tien gui c6 kj/ liin Phai thu Iãí tien gui 31/12/2014 VND 48.420.127.771 724.000.000.000 6.115.518.670 19.382.427.334 797.960.575 37.568.581.883 576.500.000.000 6.000.000.000 6.158.497.267 2.669.900 7.862.394.915 3.570.063.096 18.025.000.000 18.025.000.000 2.521.566.749 123.836.945 Cling ty cho thue tai chinh II Ngan hang Nong nghiep va Phat trien Yong thon Viet Nam Phai thu rai tien giri Cong ty CO ph'An Cht'rng, khoan Ngan hang Ming nghiep va Phat trien Wing thon Viet Nam Mu us co phial — giá gOc 31/12/2013 VND 222.142.608 58.302 14.719.049.811 41 Mau B09 — DNPNT Cong ty Co phan Bao him Ngfin hang Nong nghip Thuyet minh bao ea° tãi chinh cho nam ket thac 31 thing 12 niim 2014 (tip theo) 30 Cie cling cy ti chinh (a) Quan 1Y riii ro tai chinh (i) Tong quoit Cac lo4i rii ro ma Cong ty phOi (16i mat viec sir clking cac cong cg tai chinh ciia minh bao g6m: • rOi ro tin clung; ro khoan; va • rUi ro thi twang Thuyet minh cung cap thong tin ye tirng loai rOi ro neu tren ma Cong ty có the gap phai va m6 tã cac rmic tieu, chinh sach va cac quy trinh C6ng ty sir ding de ltramg va quan l2 rii ro H6i dtmg Quan tri cCia Cong ty chiu trach nhiem kiem tra xem Ban T6(rig Giain dc giam sat viec tuan ro cüa Cong ty nhu the nao, va soat xet tinh thich hop cüa khung thu chinh sach va thii tgc guar' quail I)'/ rid ro lien quan den nhfing rOi ro ma Cong ty gap phai (ii) Khung quan Ij rüi ro Mgc dich chinhc6a khung quail rid ro \fa quail tai chinh la nham bac) vecô dOngs cita Cong ty tit cac sty,k* can tror Cong ty dat duvc cac !nue lieu tai chinh mot each on dinh HOi &Ong Quail tri va Ban Tong Giam doe nhan thay tarn quan ctla m6t he thong quail tri riii ro hieu qua Cong ty da thiet lap m6t b6 phan quan rui ro vai,cac,dieu khoan duvc themg nha't bâi Hi dng Quan tri B6 phan duvc bo sung them vai in6t cci cau to, chirc r6 rang bang cac van ban quy dinh trach nhiem va quyen han tir Hi (long Quail tri den Ban Tong Giam doc Mt khung chinh sach dã duvc Oat trien va áp dgng, chi nhirng rid ro chu yeti dm Gong ty, cac chuan awe ve quail tri rui ro, kiem soat va t6 chirc kinh doanh cho cac hog Ong dia Cong ty Moi chinh sach së duvc m6t vien Ban T6ng Gam doe chiu trach nhiem giam sat tinh tuan thu doi v&i chinh sach toan Cong ty (b) Rüi ro tin clking RUi ro tin clking la rid ro l tai chinh dia Cong ty nu m6t khach hang hoc ben di tic dm cong C1.1 tai chinh kh6ng dap Ong duvc cac nghia vi theo hop Tong, va phat shill chO yeu tir cac khoan tien gri va phai thu vài mirc d6ni ro tin dpng t6i da tai bao cao nhu sat!: Thuytt minh Tien va cac khoan Wang &rang ti'en Dau tu ngan hnn Phai thu khach hang va phai thuld-uic Tai san tai chinh khac (i) (I) (ii) (ii) 31/12/2014 VND 31/12/2013 VND 214.182.642.818 552.500.000.000 124.909.341.588 6.243.968.670 473.417.039.463 143.521.566.749 218.603.033.797 6.380.700.000 897.835.953.076 841.922.340.009 42 Cong ty CO phan Bao him Ngfin hang Ming nghiep Mu B09 — DNPNT Thuyet minh bao cao tli chinh cho nam ket thac 31 thing 12 nam 2014 (tiep theo) Tie,, cdc khodn clju trt tin gui có kJ) 119n Tien va cac khodn,dAu tkr vao tin girl ngan hang cUa Cong ty chü yeti duvc girl tai cac to chac taischinh clanh tieng Ban Tong Giam doc khong !than thay có rüi ro tin ding tr9ng yeu nao tit cac khoan tien giri N/A khong cho rang cac to chirc tai chinh cú the mat kha nang tra nỗi va gay ton that cho Cong ty (ii) Cac khotin phai thu bdo hdm va phtil thu khoc Rui ro tin dung dm Cong ty chiu anh hkrang yeu dc diem ciia tirrig khach hang DM pH, vai nhang rUi ro nay, Cong ty da thiet1ap mOt chinh sach tin citing ma theo moi khach hang mai se duvc kha nang tra nỗ truck Cong ty dkra cac dieu khoan va dieu danh gia rieng bit ye dlO tin cay kin cung cap dich vi va toan chuan cho khach hang Cac khoan phai thu khach hang chiu rOi ro tin dung g6m cac khoan phai thu ve bao him, tai bao him, tam ang cho khach hang va cac khoan phai,thu khac C6ng ty quan 1' rOi ro tin dking khach hang thong qua cac chinh sach, thf tic va quy trinh kiem sok dm Cong ty có lien quan den viec quan 1/ rui ro tin ch,ing khach hang Cac khoan phai thu khach hang va phai thu khac chtra qua hall hay chin bi giarn gia thu yeu tir cac Cong ty Ban Tong Giant doe tin rang cac khoan phai thu c8ng ty co lich sir trallg clang tin clay doi có chat lung tin dung cao Tu6i nq cua cac khoan phai thu qua han tai thM dim cuM nam nhu sau: 31/12/2014 VND Qua 11411 nhung khong suy giam Dkrai 90 91— 180 Qua h#n va bi suy giam 181 —360 Tren 360 Dkr phong phiii thu khe dolt (c) 31/12/2013 VND 6.344.201.585 803.470.189 9.416.564.757 7.147.671.774 9.416.564.757 374.085.051 5.815.273.696 629.561.795 3.532.802.890 6.189.358.747 4.162.364.685 4.284.232.084 2.753.117.362 Riii ro khoan Rui ro khoan la rcii ro Cong ty khong the toan cho cac,nghia vi i tai chinh den Phkrang thirc quail ljt tai chinh cCia C8ng ty la dam bao a mCrc cao nhat rang Cong ty mOn có (16 kith nang de toan,cac khoan na phai tra den han, diet" kin binh thuarng cling nhu diet' kin cang thang ye mat tai chinh, ma khong lam phat sinh cac mac ton that khong the chap nhan duvc hoc có nguy ca gay ton hai den danh tieng cOa Cong ty Cac khoan iiy phiti tra tai chinh có khoan todn c6 dinh hoac có the' xac dinh &nye có thoi gian ciao han theo hop (long nhu sau: 43 •, Mau B09 - DNPNT Cfing ty Co phalli BA° hiern Ngfin hang Ming nghiep Thuyet minh bao cao tai chinh cho nam ket thilc 31 tilling 12 nam 2014 (tip theo) Tai 31 thang 12 rairn 2014 Dtreri Min] VND Phai tra cho nguoi ban Cac khoan phai tra, phai n'gp ngan han khac Phai tra dai han khac 64.163.684.614 64.163.684.614 5.956.961.806 5.956.961.806 70.120.646.420 Tiing Ong VND 5.000.000 5.000.000 5.000.000 70.125.646.420 Ti 31 thang 12 nam 2013 Dtreri Wain VND Phai tra cho nguai ban Cac khoan phai tra, phai ngsp ngan hn khac Phai tra dal han khac 95.960.655.241 95.960.655.241 4.922.788.405 4.922.788.405 100.883.443.646 (d) Tit den nam VND Tir den nam VND Tong c(ing VND 5.000.000 5.000.000 5.000.000 100.888.443.646 Riii ro thi trtarng Rui ro thi trueng la rui ro ma nhung bie'n dOng ye gia thi truang, aux tS/ gia 116i doai, lai suAt va gia chi:mg khoan se anti hugng den ket qua kinh doanh cUa Cong ty hoc gia tri ciia cac cong cv tai chinh ma Gong ty nam gift Myc dich cita viec quan l rui ro thj twang la quail 1)"/ va kiem soat cac riii ro thi throng giói han có the chap nhan dugc, van toi da hoa Igi nhuan thu dugc 44 Cong ty CO phan 13äo hiem Ngan hang Nong nghi0 Mu B09 — DNPNT Thuyet minh bao cao tai chin!' cho nam ket thtic ngiy 31 thing 12 !tam 2014 (tip theo) (i) Rid ro tj gid Itni iloái Gong ty có cac khoan tai san \in n phai tra tin t thuan chiu anh hu•Ong cOa rüi ro ty gia hi doai iihts USD VND Tin va cac khoan Wang duang tien Phai thu cna khach hang Phai tra cho ittl,trei ban 31/12/2014 Ngo#i q kink VND 17.806.018 1.436.391.568 (1.222.669.051) 231.528.535 USD VND 31/12/2013 Ngo#i te khac VND 1.109.391.790 152.202.639 21.900.225.229 (5.070.800) (12.629.570.091) 147.131.839 10.380.046.928 1.187.802.829 (572.463.908) 615.338.921 Sau day la nhimg tS, gia ngoai t chinh duoc Cong ty Alp dking: gia t4i 31/12/2014 31/12/2013 USD 21.420 21.135 Duoi day la bang phan tich cac the Ong có the xay di voi 19.i nhan than dm Cong ty sau xem xet mirc hien ti cua tS/ gia hôi doai va sr bier' dOng qua kith ctIng nhu kS, v9ng cOa thi truamg Phan tich Oa tren gia dinh la tat ca cac bien so khac s khong thay dOi, dc bit la lai suat Anh loi nhuán thufin VND Nam ket tittle 31/12/2014 USD (manh them 2%) 3.611.845 Nam ket thtic 31/12/2013 USD (manh them 2%) 155.700.704 Bien Ong nguvc kti cna ty' gia cac dOng tin có the có ding mire d9 tac dOng nhung nguvc chiu di vói 19i nhuan thuan cOa Cong ty ti 31 thang 12 nam 2014 (ii) R,ii ro liii salt ROi ro lai suAt la rOi ro ma gia trj h9p hoc dong tin tuang lai cua cac cOng cu tai chinh cOa Cong ty se bien dOng sr thay doi cOa lai suat thi twang 45 Mu B09 — DNPNT Ging ty Co phAn Bao hiem Ngan hang Ming nghiep Thuyet minh bao cao tai chinh cho niim ket thtic 31 tilling 12 'Om 2014 (tiep theo) bao cao, cac cong cki tai chinh chiu I äỵ suit cna Cong ty nhu sau: Gin tri ghi so 31/12/2013 31/12/2014 VND VND Cac ding cy tai chinh co leti sudt ca dinh Tien va Wang &rang tien Diu to ngan ban khac 1(/ qu9 bao hie'rn 214.182.642.818 552.500.000.000 6.115.518.670 473.417.039.463 143.521.566.749 6.000.000.000 772.798.161.488 622.938.606.212 Do cac cong,cti tai chinh chiu lai suit du co läi suat c6 dinh va &rot hach toan theo gia g6c nen ski thay doi ye läi suat kh6ng cc') anh huang tói Icii nhtfan thuan cüa COng ty (d) Gia tri hop Gia tri hop 13'icüa cac tai san nq phai tra tai chinh, ciing vo,i cac gia tri ghi so dugc trinh bay tai bang can di k6 toan, nhu sau: 31/12/2013 31/12/2014 Gia 01 Gia tri hop IS, ghi so VND VND Gia tri ghi so VND Cac khoan cho vay va phai thu: Tien va cac khoan 215.685.410.954 215.685.410.954 475.018.018.342 tuang throng tien (*) 143.521.566.749 552.500.000.000 Diu tu ngan ban Phai thu ciia khach hang (*) 198.876.391.498 105.127.553.463 — gOP (*) 19.726.466.430 19.781.788.125 Cac khoan phai thu khac (*) 6.380.700.000 6.243.968.670 Cac tai san tai chinh khac Tai sin tni chinh sin sang a ban: - Dan ta dai han kliac (*) 58.302 58.302 7.270.924.800 No !Thai tra tai chinh duvc xac (filth theo gill tn phan bO: - Phai tra cho ngtroi ban 64.163.684.614 - Cac khoan phai tra, phai nOp ngan han khac 5.956.961.806 (*) 4.922.788.405 - (*) 5.000.000 Phai tra dai han khac 5.000.000 Gin tri hop 1,VND 475.018.018.342 (*) 09 (*) (*) 7.270.924.800 (*) 95.960.655.241 Cong ty chtra xac dinh gia trilw 1j, ca cac ding cki tai chinh de thuyet minh bac) cao tai chinh vi khong có gia Mem yet tren thi truong cho cac cong cki tai chinh va Chuan mtrc Ke toan Viet Nam, Che d6 Ke toan Vi'et Nam hien khong có huang dan ve cacti tinh gia tri hop 1/ sir dung cac 1(5-, that dinh gia Gia tri hgp 1)2 cüa cac ding cu tai chinh có the khac vói gia tri ghi so ' HI Cling ty Co phán 13äo hiem Ngfin hang Ming ngh4 M'au B09 — DN1INT Thuye't minh bao cao tai chinh cho nim ktt thtic ngny 31 thang 12 nam 2014 (tiep theo) 31 Rill ro bao hiem Quail 1Si von vit yeu cau theolu4t dinh a Mgc tieu dAu tien eCia Cong ty viec quart v6n la,luon luôii tri ngu6n v6n du mph b9 trg cho sr phat trien kinh doanh va dam bao yeu cau ye von phap dinh Cong ty nhan thirc duvc nhang tac dOng doi vol Igi nhuan cUa CO dong vói mac d6 von Op va tim each tri mu.c can bang than Yeu cu v v6n phap dinh phat sinh tr cac hog dOng nghiep Nig cüa COng ty va yeu cAu Cong ty phai giC nguon von vita di de trang trai ng va dap Ung cac quy dinh ye bien kha nang toan tai Viet Nam Cac yeu cau ye darn bao kha nang toan áp Ong cho C6ng ty dirge quy dinh Thong tu 125 Bang thrOi day neu ten bier' kha nang toan ti thitu va Nen kha nang toan cua Cong ty Nhirng nvoi lap chinh sach quan tam den viec bao v quyen Igi cüa ngtroi mua bao hiern va, theo d'Oi lien ttic de dam bao cac cong ty bao hiem boat d'9ng hieu ,qua vi lgi ich cUa ngtroi mua bao hiem; dong th6i, ciing,quan tam den viec darn bao cac cong ty bao hiem co the tri dugc trang thai khoan pliti h9p de ang ph6 vOi nhirng nghia vii bao him phat sinli ngoai dt:r bao suy giam kinh te hoac tham h9a tkr nhien Ngay 31 thang 12 nam 2014 Ngay 31 thang 12 nam 2013 Bien kha nang twin cita Ging ty 13ien khii Wang wan tOi thieu VND 358.122.939.252 322.177.178.308 VND 149.813.737.066 122.608.097.057 T5 Iê bien kha nang toan (%) 239% 263% 47 Milt, 1309 — DNI)NT Cling ty Co phAn Bao hiem Ngfin hang Nong nghiep Thuy& minh bao cat) tai chinh cho nam ket thtic 31 titling 12 nam 2014 (tiep theo) 32 SO lieu so sinh Mt st) s6 lieu so sanh duot dieu chinh 14i cho phii hcp voi each trinh bay cita ThOng tu 232 Bang so sanh s61iu nam tnrac va sau klii duqc plian loai nhu sau: 31/12/2013 Ma sO 31/12/2013 Mãsô VND VND ([)han loai lai) (d5 dtrov trinh bay truck (lay) Bang can dOi Bang can di k toin TAI SAN , TAI SAN 150 1.992.568.395 Tai sin ngan hqn khác 5.098.767.871 150 Tai San lull di)ng khac 151 13.692.613 Chi phi tra truck ngan han 1.963.475.782 151 Tam (mg 151.1 Chi phi hoa hang chzza phan bó 152 3.119.892.089 Chi phi tra truck , 151.2 13.692.613 Chi phi tra trithc ngein hgn khcic 15.400.000 154 Cac khoan cam co, 14 CLIVC, kji qu5"/ ngan 158 1.978.875.782 Tai san ngan hart khac 260 3.106.199.476 Tai sfin dai han 'chic 261 3.106.199.476 Chi phi tra truck dai han 5.098.767.871 5.098.767.871 NGUON VON Du phong nghi?p vii Dy• phong phi chtra &tor htremg Dy• phong boi thithng Dy' phang dao clang lan 330 331 333 334 (339.700.281.763) (244.205.018.869) (56.382.411.724) (39 112.851 170) TAI SAN Tai sin al bac) hem Du phong phi nhuvng tai bao hiem Du phong boi thuarng nhuvng tai bao hiern NGUON VON Dtr pilling nghiep vu Dr phong phi bao hiem gơc va nhcin tai bao hien? s Dy• phong boi thithng bao hiem goc va nhán tai bao hiEvn fAr phong dao clang lc'm (339.700.281.763) 190 191 192 104.158.240.894 27.690.818.337 76.467.422.557 329 (443.858.522.657) 329.1 (271.895.837.206) 329.2 329.3 (132.849.834.281) (39.112.851.170) (339.700.281.763) 48 Mu B09 — DNPNT Gong t-y Co pha' n Bao him Ngfin hang Yong nghi0 Thuyet minh bao cao tii chinh cho nam ket thfic 31 thang 12 nam 2014 (tiep theo) sofi Thu phi bao him giSc 01 03 530.848.865.899 20.139.236.238 (60.555.713.910) Thu phi nhan tai bao hiem Cac khoan giam trix: 02 04 06 (55.802.111.031) (4 753.602.879) Tang du phong phi Thu hoa h6ng nhugng tai bao hie'.111 08 09 (45.444.206.741) 13.689.676.769 Thu khac hog Ming kinh doanh bao him 10 209.950.000 Phi nhugng tai bao hiEin Ham phi bao hiem 2013 VND (phan loai I4i) Bio cao ket qua hot Ong kinh doanh theo ho4t di)ng Bao cao ket qua hot Ong kinh doanh - sO 2013 VND (dã dirge trinh bay truck day) Doanh thu phi bao him - Phi bao hiem goc - Phi nhan tai bao hiem - Tang dit phon& phi bao hiem goc bao hiem Phi nhuvng tai bao him - Tong phi nhuvmg tai bao hIAM - Tang du phong phi nhuvng tai bao hiem Hoa h6ng nhuvng tai bao him va doanh thu khac hog dOng kinh doanh bao hi6sm - Hoa hong nhuvng tai bao hiem - Doanh thu khac hog! &Ong kinh doanh bao hiem 458.887.808.255 01 509.344.974.470 01.1 01.2 526.095.263.020 20.139.236.238 01.3 (36.889.524.788) 02 (64.356.792.984) 02.1 (55.802 111 031) 02.2 (8.554.681.953) 04 13.899.626.769 04.1 13.689.676.769 04.2 209.950.000 458.887.808.255 49 Mau B09 — DNPNT Cong ty CO phttn Bat) hiem Ngfin hang Nang nghi0 Thuyet minh bao cao tai chinh cho thin] ket thtic 31 thang 12 nam 2014 (tiep theo) Ma set 2013 VND (da (lulyc trinh bay truck day) X , X A 15 16 17 10 Cac khoan giam trir (657.513.412.760) (16.767.519.304) 549.579.600.417 - Thu boi thwang nhuTmg tái bao hiem 18 548.068.401.408 - Thu cloi ngwoi thir ba bai hoan 19 845.294.737 Thu hang dii xir lj boi thwang 100% 12 Tang/(giam) du phong boi thu&ng 20 665.904.272 23 6.908.520.778 Chi b61 thtrong - Tong chi bai thuth2g - Cac khoan giam &et (Thu cloi ngufri thir boi hoan, thu hang dii xie lj boi thufmg 100%) Thu btii thuong nhuvng tai bao hiem 8., Giam du phong boi thtrong bao hiern goc va nhan tai bao hiern Tang du phong boi throng nhugng tai bao hiem 26 (107.584.042.916) 34 (5.212.142.165) 11 11.1 (672.769.733.055) (674.280.932.064) 11.2 1.511.199.009 12 548.068.401.408 13 559.092.634.633 14 (552.184.113.855) (117.792.810.869) (117.792.810.869) 14.1 Chi khac hogt clOng kinh doanh báohiêmgôc 14.2 Chi phi khac hag,' clOng kinh doanh nhan tai bao hum 2013 VND (pilau 1* 10) Bao cao ket qua hokit dng kinh doanh then hoo (10g Bac) cao Wet qua hot di)ng sari xuat kinh doanh o thuang bao h i m goc Chi bi Chi bi5i thifeng nhan tai bao hiem Ma si; - Chi hoa Wing bao hiem - Chi phi khac how clOng kinh doanh bac) hien? (112.796.185.081) 17.1 (88.155.009.298) 17.2 (24.641.175.783) (112.796.185.081) Ngiir 27 thang nam 2015 Ngtroi lap ' Dao Duy Trung Phong Ke tocin Tai chinh Ngtrai sok xet P1141-n Minh Tri Tnthng Phong Id wan Tai chinh 50

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