NGAN HANG THIJONG MAI CO PHAN A CHAU BAo cAO TAI CH|NH HOP NHAT GIUA NIEN D9 oUY I NAM 2017 NGAN HANG THUONG MAI CO PHAN A CHAU BAo cAo TAI cHiNH HgP NHAT GIUA NIEN D9 OUY I NAM 2017 NOI DUNG TRANG 1-2 Bdng cdn d6ike loan hqp nhet gi0a niCn d0 B5o cao k6t qu, ho?t dong kinh doanh hgp nhdt gi0a nien 86o c6o luu chuy6n ti6n te hqp nh6t giira nien dO Thuy6t minh b6o cao tei chinh chan lqc hqp nhat dO 4-5 6-29 NGAN HANG THI.}oNG MAI CO PHAN A CHAU Mau Bo2a/TCTD- HN (Ban hanh theo Th1ng 49n01 4/TT-NH NN ngAy BANG cAN o0r KE roAN Hqp NHAT GruA N|EN TAI NGAY 31 THANG NAM 2017 31 /1 lus6 2nA1 4) oe Thuy6t minh 31t3t2017 Trigu ddng 31t12t2016 I neu oong 3.797.320 3.541.38E 5.119.306 8.,t52.027 6.443.182 TAI SAN I It vt v I tx x xt x mit, ving b?c, di qui gipi Tian t?i Ngan hang Nhl nud.c Tian gi,i va cho vay cec TCTD khec Tien guit?icac TCTD khac Cho vay cac TCTD kh6c Du phdng rii ro TiAn Chung khoen kinh doanh Chung kho6n kinh doanh Du phdng riiro chung kho6n kinh doanh c6c c6ng cu tii chinh phli sinh vl c6c tai san tiichinh khec Cho vay khach hing Cho vay kh6ch hang Dq phdng nli ro cho vay khrch hdng Chrrng khoen diu tu Chung kho6n dau tu s5n sang de b6n Ch0ng kho6n areu lu gio d€n dao h?n Du phdng rii ro chrhg kho6n irau tu c6p v6n, diu tu dai h4n V6n 96p licn doanh Deu tu c6ng ty li6n kitt Eau tu daihan khac Du phdng giam gie deu tu daihan Taisan c6 dinh Tai sdn c6 dinh hou hinh a Nguycn gie tea sdn c6 dinh b Hao mdn taisan c6 dinh Tai s,n c6 dinh vo hinh a Nguy€n gi6 taisan c6 dinh b Hao mdn tai sen c6 dinh Bit dong san areu tu a Nguyon gia b5t dong san dau lu b Hao mdn b6t dong s6n dau tu Teisen C6 khec Cac khoan ph,ithu C6c khodn lei, phi phei thu Taisan thu6 TNDN hoan lai Tei sen c6 kh6c Cec khoan du phdng rii ro cho c6c tai san C6 nOi bdng khec TONG CQNG TAI SAN 4.324.502 7.953_345 083.046 4.074.060 v.3 V,5 v.6 A80.725 (203.761) 519.8s7 542.981 r.r83.306 \23.124) (28.008) 30.700 175.r04,00E 177 413.536 (2.309.528) 48.529.908 12.318.408 39.269.431 (3.057.931) 192.011 280 346 199.537 (9.152) 2.902.958 2.398.753 3.800.060 (1 401.307) 504.205 725.791 (221 s86) 266.E47 268.019 (171.880) 1.2'11.314 16.065 '161.604./r26 163.401.221 (1.796.795) 42.801.465 10.962.613 34.824.159 (2.985.307) 190.194 1.280 ^^:i:,""@ lvv.)3t //nr l 116 95gl o -1ptAN( I z.iso.sqfrf ,i-.c*o ?r", 2.338.722r L\r\ a -, (^r!, j\ rrl 3.682.372 o' ('1.343.650) -ary.,- -; 511.836 722.821 (210.985) 211.a72 212.954 (1.172) 7.9t 5.19 t 5.148 816 2.725 000 E.010.270 4.620.331 675.062 666 881 (647.002) (518.166) 251.536.647 (1.082) 241 224 233.680.877 NGAN HANG THI,,oNG IVIAI CO PHAN A GHAU r iu Bo2a/TCTD- HN (Ban hanh heo Th1na lu s6 49t2Al 4/TT-NH N N ng Ay 31 /1 2nA1 4) BANG cAN DOI KE ToAN HgP NHAT GIOA NIEN DQ TAI NGAY 31 THANG NAM 2017 3't3r2017 Thuy6t minh B I Nq PHAITRA VA VON CH[' Nha nutc Tian gi,i vA vay c{c TCTO khac lren gurcua cac lu I u knac Vay cac TCTD kh6c t Tian gl}i cia kh6ch hlng CAc c6ng cg tei chinh phai sidh va c6c khoan nq tai chlnh khac v6n tei trq, iy thac atiu tu, cho vay c6c t6 choc tin dqng chiu roi ro Phet henh giSy td c6 gie vlt C{c kho,n nq khac Cac kho,n l6i, phi phditrd Thu6 TNDN hoan lai phaika C6c khodn phiitre va c6ng nq khac Dr/ phdng rij ro kh6c v t T a d v.8 v.9 554.636 4.299.19'1 v.10 v.3 13't.297 4.246.520 570 531 1.675 989 6.5'15.000 3.594.080 2A1 452 462 1.312.166 236.9E0.600 219.618.'t61 14.556.047 14.062.716 8.711.240 9.376.965 (665.725) 590 181 v.14 I607.514 von dreu le uo pnreu quy 1A 273 239 (665.725) 583.754 Quy 15.165 2.349.614 478.166 1.871.448 251.536.647 rONG Ng PHA| rRA vA voN cHU sO HUU cAc cAM 122.697 6.404_000 v.11 v.12 N9 PHAI TRA VON cHU sd HUU V6n cia T6 chuc tin dung 2.23s.',t15 1.735.365 499.750 207.051.269 948.275 350.916 221.244.954 cia T6 chrc tin dung Chenh lech tY gie h6i do6i Lgi nhuan chua phan ph6i a Lqi nhuan ndm b Lei nhuan loy k6 n5m truoc 31t12t2016 raeu oong 00ng SO HUU Cic khoan nq Chinh phi va Ngan hang TONG rneu v[.1 KET BAo LANH 10.004.,159 2.761295 1.109.317 1.651.978 233.680.877 10.057.434 ay 28 thdng ndm 2017 Lip bang [r Nguy6n ThiD6ng Theo Giem d6c fr;;*' Nguyen Ven Hda i.N Hii \c\ ffiaul Q);;"fj gd&dn g/,nl PH6 T6NG GIAM E6c NGAN HANG THUONG MAI CO PHAN A CHAU Miu BO3a/TCT0- HN (Ban hdnh theo Thdng lusd 49 20 4/f T -N H N N ng Ay I /1 2n01 ) BAo cAo KET aUA HOAT OQNG KINH DOANH HgP NHAT GIUA NIEN OO auf r NAM 2017 Qui tu deu nim d5n cu6l qu, I NAm 2017 Nim 2016 L[y I Thuy6t minh Nim 2017 Trieu ddng Thu nhAp lai va cac khoan thu nhap tuong tu Chi phi lSiva cac chiphituong tu Thu nhap Iai thuan I ll t vl.1 vt.2 66.684 42.564 66.684 42.564 Vl 39.679 (4.005) 39.679 (4 00s) Vl4 45.285 rhlan tu hoar dong kinh Lai/(16) lhuan ttr mua ban chong doanh li tu mua b6n chung 365.781 Thu nhap iu hoat dong khac (3.077) Chi phi hoat dong kh6c Vl Lai thuan t& hoat dong khec Vll Thu nhap tug6pv6n, mua c6 phan Vlll Chi phi hoat dong 362.704 v!.s vt.6 5.553 11.473.788) Lqi nhuan thuan tO hoat dong kinh doanh tru6c chi phl d(l, phdng nii ro tln dqng 1.202.',t09 ChiphidU phong rii ro tin dung (607.321) T6ng lqi nhuan trlrtc thua 594.788 (130.399) 13.777 (116.622) ch xll 268.709 247.925 khoan d5u X xl 709 335.144 L6ithuan tu ho?t dong dich vlr Lai/(6) thuen lx 3.735.096 4.647.28S 735.096 12 53.526) (2.739.222) 12.153.s26) '1.581.570 1.908,067 1.581.570 (67.438) \87 215) 201.271 247.925 kho6n kinh Trieu d6ng 335.144 (87.219) Lai/(16) v 2016 Trieu d6ng TriC! d6ng Nlm Thu nhap trr hoal dong dlch vq Chi phi ho?t dong dich vu doanh ngo?ih6i tV 4.647.289 \2.739.222) 1.90E.067 k6 phi thu6 TNDN h Cn hanh Chi phi thui! TNDN hoan la chi phi thuii TNDN xlll Lqi nhuan sau thu6 tx 478.166 268 (183.604) 45.285 (67 438) 201.271 (183.604) 265 365.781 (3.077) (1 318) 59.947 362.704 5.553 61 265 (1.318) 61 (1.075 047) (1.473.788) 59.947 (1.075.047) 622.697 1.202.109 622.697 (233.447) (607.321) (233.447) 389.250 594.788 (78.974) (130.399) - 389.2s0 i.78.974J 13.777 {1r6.622) (78.974) 310.276 478.166 310.276 178.9741 TP.HCM, 28lh5ng ndm 2017 Llp beng K6 toSn ffi 6x:;'-'^-$ -1-."{OB=-i-s-T /,."t *6G"ii1li,n," Tiing ciem diic trudng Nguyen Ven Hda k&4P {a%idn 9/utt px6 rdruo orAu e6c NGAN HANG THUONG MAI CO PHAN A CHAU BAo cAo MAu BO4aITCTD- HN (Ban hdnh lhoo Th1ng lu sd 49,201 4/TI-NHNN 31 /1 2n01 4) LUU GHUYEN TIEN TE HgP NHAT GIOA NIEN OO OUY I NAM 2017 (Theo phuons ph6p truc ti6p) Loy kii til.deu n5m diin cu6iqui Nim lreu 20',7 oonq I Nem 2016 lfleu oong LUU CHUYEN TIEN TU HOAT OQNG KINH DOANH 01 Th! nhap lei va c6c khoan thu nhap tuong tu nhan duqc 02 Chi phi l5i va cac chi phi tuong da ke 03 Thu nhap tu hoat itong dich vu nhan iruqc 04 ChCnh lCch s6 ti&n thqc thu/(thuc chi) tu hoal dong kinh doanh (ngo?itC, vang bac chung kho6n) 05 Th! nhap/(chi phi) khac 06 Tidn thu cec khoan ng de dlrqc xi li'x6a, bir d6p bang ngudn riiro 07 TiAn chitra cho nhan vien ve ho?t dong quAn li, cong vu 08 Ti6n thuC thu nhap lhuc nop hong ki Luu chuy6n tidn thuln ti, ho?t dOng kinh doanh trudc nha}ng thay at6i coa tai san va c6ng nq ho?t atong Nhang thay ir6i v6 tei sen ho?t dlng (Tdng)/giam cac khoen tidn gli vA cho vay c6c TCTD khac 1O (Teng)/giem cac khoen va kinh doanh chung khoan 11 (Tdng)/gi,m c6c c6ng cV tai chinh ph6i sinh va c6c lei san tai 09 chinh khac 12 (Teng)/giam cec khoan cho vay kh6ch hang 13 Giam ngudn du phdng d6 bn ddp t6n th6t cac khoin 14 (Teng)/giem kh6c vd taisan hoat dong Nhang thay arAi vA c,ng nq ho?t atQng 15 Tdng/(giam)cdc khoen nq chinh phi ve NHNN 16 Tdng/{gidm) cec khoan lian g}i, ti6n vay c6c TCTD 17 TAng/(gi.im) tiCn gii cia kh6ch haog 18 Tdng/(giiim) phat hanh giay to c6 gi6 '19 Tdng/(giem) v6n Ei trq, iy thac dau tu, cho vay ma TCTD 20 21 22 I chiu niri ro Tdng/(qiam) cec c6ng cu tei chinh ph6i sinh va cAc khoan nq taichinh kh6c Tang/(giem) khac ve c6ng nq ho?t dong ChitLP c6c quY cia TCTD LUU CHUYIN TIEN THUAN TL/ HOAT O9NG KINH DOANH 5.164.208 (2.450.143) 4.245.998 (1.783802) 247.925 201.271 9.489 156.681 3s3.600 9.133 (1.536.096) 23.437 (1.268.188) (30 399) (26.088) 1.919.220 ,t.428.559 (2.168.336) (5.132.734) (14.635) (14.012.315) (560.129) 654.638 2.064.076 14.193.685 (211.000) 973.138 (678 179) , !ie d6: €[ + q ! d? N o ,i Ps' E ;,,E q c o; I.E ,> E o,+ o.6 \ o ,&< f5, z o- I E z E q oo E I o o o F + E F I l sl J z o I o (o :b > o I z? 1.3 ,4 q ! r i; l (, z o o> < (!F o z -: 2& IF I z o z =E tro ,15 rO E E = tr \o I \o o E F :g o ! \o NGAN HANG THUoNG MAI cO PHAN A CHAU MAu BO5a/TCTD- HN (Ban henh thea Thbng tus6 49/241 THUYET MINH BAo ouv I NAM 2oi7 /TT-NHN N 31 /1 2/201 4) cAo TAI cHiNH CHQN L9c HoP NHAT VI THONG TIN BO SUNG CHO CAC KHOAN MUC TR|NH BAY TRONG BAO CAO KET OUA HOAT DQNG KINH DOANH THU NHAP LAI VA CAC KHOAN THU NHAP TUONG lhu Thu Thu Thu Thu Thu lar lren gur lei cho vay laitu kinh doanh, dau tu chung kho6n nq phi tu nghiep vu bao lenh lei cho thue taichinh kh6c tu ho?l dong tln dung TI,T: oiin D6n 31t312017 31t312016 TriQu ddng TriQu d6ng s2.604 3.797.130 729.108 48.524 18.726 1.197 65.215 2.990 047 610.675 48.992 19 223 4.647.2A9 3.735.096 CHI PHi LAIVA CAC KHOAN CHI PHiTUONG TU: Tra 6itidn gii Tre lei ti6n vay Tre lei phet hanh gi6y to c6 gid Tra di tidn thu6 tai chinh Chi phi hoAt dong tin dlrng kh6c Diin Diin 31t3t2017 31/3i2016 Trigu d6ng rne! oong 2.514.178 29.454 171 515 1.964.905 24.475 7.683 2.739.222 944 78.411 102 527 2.153.526 LAU(LO) THUAN T.f HoAT oONG MUA BAN CHUNG KHoAN KINH ooANH: o6n 31t3120,17 rneu oong Thu nhap tu mua beh chung khoen kinh doanh Chi phive mua b6n chung kho6n kinh doanh Hoan nhap/(Trich lap) du phdng rii ro chung khoen kinh doanh 22 D6n 31t3t2016 Tri6u d6ng 43.150 (8.3ss) 1.040 4.884 (4.888) 39.679 (4.005) (1s7) NGAN HANG THUONG MAI GO PHAN A CHAU Meu BO5a/TCTD- HN (Ban hdnh thea ThOns tusd 49n01 4/TT-NHNN ngey 31 /1 21201 4) THUYET MINH BAO CAO TAI CHiNH CH9N LQC HgP NHAT ouY r NAM 2017 LAU(LO) THUAN Tu HOAT oQNG MUA BAN CHUNG KHoAN DAU Tu: Orin oiin 311312017 31t3t2016 rne! oong TriCu d6ng ti Thu nhap mua ben chung khoan dau tu Chi phi ve mua bAn chung khoan deu lu Hodn nhep/(Trtch lap) dq phohg rii ro chung khoan dau THU NHAP TI P iu 56.985 (38.156) \202.433) 45.285 _1I1f9! Oi6n o6n 31t3t2017 rn9u oong 3',l.t3t2016 5.231 s.553 GOP VON, MUA CO PHAN: Ti chung kho6n v6n kinh doanh Tu chung khoen v6n deu tu Tu gdp v6n deu tu dai h?n Phan ch a leil16 theo phuong ph6p v6n chi sd hiru khodn dau tu vao c6ng ty liCn doanh, lien k6t 59.205 (4.003) (9.917) neu oong cia CHr PHiHOAT OQNG: Chi nop thu6 va cec khoan phi, Chi phi cho nh6n vi6n: tC phi Diin Diin 31t3t2017 Trieu d6ng 31t3t20.16 2.243 - Chi luong va phq cAp - C6c khoan chi d6ng g6p theo luong - ChitrE c6p - Chikh6c Chi ve Gisen: - Trong d6 kh6u hao lai san c6 dinh Chi cho ho?t along quan ry'cOng vU: Trong d6: - Cong tec phi - Chi vc cdc ho?t dong doan the cia TCTD Chi nOp phi bao hiCm, beo toan tAn g0i crla kh6ch hang Chi du phdng giem gid dau tu dei h?n va rai ro taisan khdc 782.670 173.127 36.224 545 572.774 220.824 69.865 280.139 4.311 2.009 557.987 168.999 34.564 462 353.S62 60.8S3 214.572 61.094 273.764 5.223 123 48.967 127.419 (22.252) 93 1.473.788 23 TriCu d6ng 1.075.047 NGAN HANG THUONG MAI C6 PHAN A CHAU It eu BO5aITCTD- HN (Ban hanh theo lhdnq tu s6 49/201 4/TT-NHNN ngAy 31 /1 2,201 4) THUYET MINH BAO CAO TAI CHiNH CHQN LQC HgP NHAT ouf r NAM 2017 VII CAC THONG TIN KHAC: I cAc cAM KET BAo LANH: Thu Thu Beo Bao Beo Beo Beo 3113t2017 3't t't2t2016 lr eu oonq Tri6u d6n9 2.677.882 2.744.367 1.682.503 1.699 47E 1.524.962 471 212 1.634.20s 1.568.472 tin dung tre tin dung ka cham lenh lhanh lodn lSnh thuc hien hqp d6ng lSnh du thAu lanh vay v6n lanh khac 252.640 53 857 2178110 10.004.159 258.337 60.862 2.254.706 10.057.434 GIAO DICH VOI CACBENLIENQUAN: Ti6n gari tar c6ng ty liCn doanh ve liCn k6t Ti6n g&itu cdc ben lien quan kh6c Cho cec ben liCn quan kh6c vay 31t312017 31112t2016 !areu oong TriCu dijng 15.547 655.026 351.001 21.783 19.932 Lel dp thu tu cbc khoan cho vay cec bon lien quan khdc g0itir crc c6ng ty liCn doanh va tien kel LAi du chi cho tiCn giri tu c6c bCn lien quan kh6c Lai dU chi cho tidn Tian nhAn iy thdc dau tu tu c6c b6n liCn quan khec 24 491 153 5.602 2.677 9.500 9.500 NGAN HANG THUoNG MAI cO PHAN A GHAU MAu BO5a/TTCTD- HN @an hanh thea Th6ng tu s6 49n01 4/TT-NHNN ngey 31 /1 2201 4) THUYET MINH BAo CAO TAI CHINH CHQN LOC HqP NHAT auf r NAM 2017 SV TAP TRUNG CUA TAI SAN VA C6NG N9 THEO V|'NG DIA LfI Don vi: lriCu ddng Nsav 3'13t2017 Trong nudc -Ncqe T6ng du nq cho vay 181.487.596 r ohg uen Cec cam k6t tin dung goi va ti6n 225.387 957 legql 156.188 Cong cV tei chlhh ph6i Kinh doanh sinh ch0ng khoAn 5.344.365 4.659.794 3.903.271 vi dlu tu 52 130 B2A 2.178.899 T6ng du nq cho vay bao gbm du nq cho vay kh6ch hang va du nq cho vay t6 chLrc tin dung khac T6ng tien gi?i va tien vay bao gdm s6 du huy dong tien va tr6n vay lu cdc t6 chuc tin dung khac gii tu khach hang va s6 du tien gli VIII AUAN LV RUI RO TAI CHINH Hoat dong kinh doanh cua Tap doan bao g6m viec ch5p nhan rii ro c6 x6c dinh muc ti6u rii ro mot c6ch chuyen nghiep Cdc bO phan quan V r0i ro ndng c6t cia Tap doan sd xec dinh mei rii ro treng y6u d6a vOi Tap doan, tuong rii ro, quan ry rii cV the ve qudn ly ro va quy6t irinh phan b6 v6n Tap doen thudng xuyen soAt cec chinh s6ch va hC th6ng quen V rii ro cia Tap doan nh,m phan 6nh c6c thay d6i vB thi truong, sdn phem va lh6ng lC thitrudng t6t nhet gioa rii ro ve tqi nhuAn, ddng thoi hAn ch6 den muc th6p nhSt nhong hau qua x5u tiem tang anh hudng d6n k6t qud hoat d6ng Muc tiCu cia Tap dodn la hurng toi sr,r can bang tai chinh c0a Tap doen Tap doan dinh nghia nli ro te khe neng xay t6 hodc tqi nhuan bi rnet, xuet ph6t tu c6c nhan t6 b6n lrong hoac bCn ngoai Tap doan Viec quen Y r0i ro b0 phan quen V rii ro thlpc hiCn theo cac chinh s6ch duoc HOi t!6ng Qudn ki phC duyet BO phan quen ty nli ro se xec dinh, denh gia va phdng ngr.ra cec nli ro tai chinh vdi sU hqp t6c chat ch6 coa c5c don vi hoal dong cia Tap doen Ban T6ng Gi6m t 6c dC cec chinh sSch quan ry rii ro t6ng th6, c0ng nhu c6c chinh s6ch cho c6c linh vuc cu the nhu rii ro ngo?i h6i nli ro lei suet, rii ro tin dqng, c6ng cu tai chlnh ph.ii sinh Ngoai ra, Ban Ki6m todn nOi b6 chiu trdch nhi6m so6t x6t doc tap viCc qudn li rui ro va m6r trudng ki(im so6r Cec rii I rii ro tai chinh ma Tap doan phai chiu bao g6m nji ro tin dung, ro hoet dong ROI RO THI TRUdNG: 25 rii ro thi truong va & o-t O a ,o .a z, :r I rn : ! =6 o c,G o'Pc F n q': o? \ v|.q': q': \d)':6 9c?N.:q F= 66 ;; oai 99 si al ts +- l!5: sh a '9' fi ! 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