2022-q1-bctc-rl.pdf - Nam A Bank

MIu s6: BO2a/TCTD(Ban hinh rheo TT sd 49/201{m-NHNN ngdy 3l i|2/201,1)

Doh ri tlnh: fieu d6ng VN

3 /12t2021

sANc cANoOI Kt roAN G[rA NItN DQ@nng dly dn)

Qui I n:lm 2022

T0i ngly 3l thdng 03 nlm 2022

Thuy6t minh 3t t03t2022

A. TAI SAN

I. Tiin mfl vlng bgc,.f{ quY

II. TiAn g&i tei NgSn hlng Nhl nu0clIL Tiao, vlirg gfri td c{c TCTD kh6c vt cho vry clc TCTD kh{cl. Tidn, vlng guir4i c6c TCTD kh6c

2. Cho vay cic t6 chfc iin dung kh6c

3. Dg phdng rui ro

IV. Chfng kho{n kinh doanh

L Chung kho6n kinh doanh

2. Du phdng rui ro chirng khodn kinh doanh

v. C6ng cV tli chinh ph6i sinh vt cic tii sin $i chinh khdc

VI. Cho vay kh{ch hlngl. Cho vay kh6ch hang

2. Dy phdng rui ro cho vay kh6ch hdng

VIL llott along mua nql. Mua nq

2. Ilu phdng rui ro hoat dong mua nq

vIIl, Chfng khotr diu tul. Chung kho6n dAu tu san sAng dii ben

2. Chung kho6n dau tu gi[ d6n ngey d6o hen

3. I)u phdng rui ro chung kho6n ddu tulX. G6p v6n, itdu tu dti hgn

l. I)Au tu vao c6ng ty con

2. V6n g6p li€n doanh

3. Diu tu vdo c6ng ty li€n k6t

4. Diu tu ddi han kh6a

5. Dv phdng giarn gi6 dAu ru dii hqn

x. Tli sen c5 dinh

l. Tai san c6 dinh hru hhha. Ngufrh g i tdi sAn cii dinh

b. Hao ndn tdi san cii dinh

2. Tdi sdn cii dinh thu€ tai chinh

o. Nguyen gia fii san cij dinh

b. Hao dn tdi sdn cii dinh

3. I'di san c6 dinh v6 hinh

a. Nguy,n gni hi sAn cij dinh

b. Hao mdn tdi sdn c6 dinh

xI. BAt rtong sAn diu tua. Yguy1n gid BDSDT

b. Hao ndn BDSDT

XII. Tii sin c6 khtc

l. Cdc khoan phai thu

2. C6c khoAn l6i, phi phdi thu

3. TAi sdn thu6 TNDN hoan lai

4. fdi san ci6 kh6c

- Trong d6 lqi th6 thuong m4i

5. C6c khoan du phdng rui ro cho c6c tAi sdn c6 nQi bang kh6c

TONG TAI SAN C6

v.t

v,2v.3

1.02?.935

6,002.21119.580.483

19.350.598

229.885

121.92t144.l4l(16.220)

127.921

114. l,l I(16.220)

107.390.471

108.122.882

(1.332.411)

101.370.504

t02.653.266

(1.282.162)

+

v.5

v.6

C

22,972.491

10.27 1.483

13.013.715(312.701)

215.280

100.000

22.858.438

9.990.857

13.113.551(305.976)

215.280

100.000

I15.280 5.280

960.755

487.833

1.022.117

(5 34.6t 4)

61.379

86.826

(25.417)

4l1.543556.091

(t 44.551)

98t.701

507.288

1.023.765

(5t6.177)

58.803

80.800(21.997)

415.610

556.091

(r10.481)

4.475,825

1.143.615

3.013.705

3.83t.705

686.860

2.81L443

335.049 349.916

(16.544) (16.544)

153.288.709

NAMABANKNAM A EANK - HQI SO201-203 C6ch M?ng Theng T6m, P.4, O.3, Tp.HCMm 028 39296699, [Fl 026 39296688lHotlinol 1900 6679 - [Wl w\M /[email protected]

1.001.628

5.t3t.29911.770.233

17.540.348

229.885

162.753.432

3I ^13t2022

3t/12t2021

B. Nq PHAI rR-i vA voN cHtr sd HtltlI. C{c khoin nq Chlnh phi v} Ngin htrg Nhl nutrc

II. Tiln griivi vay ctc TCTD kh{cl. Tidn eui cia cdc TCTD kh6c

2. Vay cec TCTD khAc

IlI. Ti6n giiicia kh{ch htngIV. C6ng cg tAi chtnh phdi sinh vt c{c khotn rq t}i chlnh kh{cV. V5n tii trq, ny th{c iliu tu, cho vry TCTD chiu rii roVI. Phdt htnh gidy td c6 gi6

VIL C6c khoio nq khicl. C6c khoan lai, phi phai trli2. Thud TNDN hoan lai phei tre

3. CAa khoa,n pheitrd vd c6ng ng kh6c

4. Du phdng rui ro kh6a (du phdng cho c6ng nq tidm An)

T6NG Nq PHAI TRi

v.7v.8

117

1E.526.71416.493.7 5t2.033.023

1t7.241.29223.892

463. r 89

l1.501.518

3.649.8t02.304.23t

99615.622.29513.07 L0472.551.248

I15.402.066

3.t l2464.623

10360.103

3.439.182

2.371.439

v.l0v.t I

\'.9

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1.345.579 1.061 .143

VI[. V6n chn sd htul. v6n cta rii chuc tin dung

a. ti5n diiu l(b. Viin diu ttt XDCB, mua sdn 'ISCD

c. Th4ng dt viin c6 phind. Lo pnrcu quy

e. Cd phidu uu ddi

f Viin khdc

2. Qui ctaTCTD3. Chenh lech ri gi{ h6i dord

4. Ch€nh lQch tl6nh gi6lai tai sen

5. Lqi nhuAn chua phen ph6i/Ld lgy k6

rONG Nq PrL{r rR i vA vON cHo sd HtnJ

cAc cHi Trtu NGoAr BANG cAN Dor Kt ToAN1. Bio ltrnh vay v6n

2. Cam k6t giro dich h6i dotia. Cam kd nua ngoqi t(b. Can kiir bdn ngoqi t(c. Cam kh giao dich hodn dliid. Cam kit giao dich tong tuong lai3. Cam k6t cho vay kh6ng hiy ngong,1. Cam k6t trong nghi(p vy L/C5. Bio llnh kh{c6. C{c crm k6t kh6c

Lap b:ing K6 to{n t

trNguyin ThiMi l,an

TP. HCM, osty)athlng0|nlm Zozz

T6ng Gitm d5c

Gi{m il6c

M46.t808.136.671

6.564.405

t01.572.231

t 5t.,t07.252 I t5.292.311

1.941.336

25

7 49.285

4.t4t

25

7 49.285

162.753.132

13.185.546

25 t 790

12.933.756

13.3,10.102

t 3.340.102

1.635.813

901.400

932.1l51.0.17.175

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NGAII

guy5n ThiThio

PaBe 2

y5t I',lga

151.268.709

1.996.332

5.305.71I

5.t34.105t0

17 t.271

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NAM A BANKiraM A EANK - Hor Sd201-203 Cdcn Menq Th6ng Iim. P 4. O 3. Tp.HCMm 028 39296699, [F|028 39296688lHotlinel 1900 6679 - [Wl wv/w namebank.com.vn

sl'1' CHi TIOU

I hu nhap lai vi cec khodn thu nhap tuqng tu( hi phi Ei vi crc khoan chi phi tuong tuThu nhap lii thuAr

l. thu nhap tt hoel dong dich uJ4. ( hi phi hoat dons dich Wll. t.nil06) thuin tir hogt itong dich vrl

lII. Lii/(16) thuin rir kinh dornh ngosi hdi

I\'. Lni(16) thuin tir mur b{n chimg khodn kinh dolnh

\'. l.ni/(16) thuin tir mue bln chfmg khodn diu tu

5 I hu nhap tu hoql dong kh6c

6. ( hi phi tt hoal d6ng khec

vl. Lni/(16) thuin tt hott dong kh6c

vll. Thu nhap ti g6p v6n, mua c6 phin

vlll. ( hi phi hoft ilong

Lqi nhuin thuAn lir hoQt dotlg kinh dosnh trutrc chi phll\' duphdne nii ro tin dunq

X. ( hi phi dgphdng rrii ro tin d$ng

Xt, T6ng lqi nhuin trutrc thu6

7 ( hiphi thu6 thu nhip doanh nghiQp hiQn hAnh

8 ( hiphi thu6 thu nhip doanh nghi€p hodn lqi

\ll, ( hi phi lhu6 thu nhip do.nh nghiep

XIll. t qi nhuan sau thu6

Miu s6: B0II/TCTD(Ban honh theo TT si 19/201m-NItN!,; ngnv 3l/12.'2011)

BAo CAo xET QUA HOAT DONG KINH DOANH GIOA NITN DQ(Deng iriy dn)

Quy I nim 2022

Thuy5tminh

euj IQui U2022 Qui u2021 3|0J/2022 3l/03/2021

Don vi tinh ir iiu ddng \'\Ki ba thing k6t thfc

'rgri\

I

lI.

14

t52.82t.864

( l.729.303)

1.092.561

2.583.022(1.6E6.420)

896.602

2.82t.864( 1.729.303)

1.092.561

2.583.022(1.686.420)

896.602

41.948(17.435)

30.511

86.034

(20.21t1

65.763

47.918( 17.435)

30.511

86.034

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NAMABANKNAM A BANK . HQI Sd201-203 C6ch Mang Th5n9 Tam, P 4 Q 3, Tp HCMlrl028 39296699 - [F]028 39296688lHollrn€] 1900 6679 - W www.namabank.com.vn

Miu s6r B04I/TCTD

(Ban Mnh tt eo IT si 49/2014/fT-NHNN ngay 3I /I2/20t 4)

BAo CAo LUU CHUYEN TIT,N TE GI TA NION DQ

(Theo phuong phtp trgc ti6p)

Qui I nlm 2022Don vi tinh: triqu ddng VN

3110312022 3uo3t202t

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LU U CHUyaN TrtN Tu HOAT DoNG SiX XUAT, XrXn OOAUU

Thu nhip lii vi cdc ktoin thu nhap ntong tg nhan duqc

Chi phi L-ri va cic chi phi tuong tU dn tniThu nhap nr ho dOng dich w nhAn duqc

Ch6nh lfch s5 tidn thqc thu/thuc chi ti hoat dong kinh doanh (ngoai t9, ving b?c,

chung kho6n)

Thu nhQp kh6c

IiCn lhu .ec khoan nq da duqc xu ly x6a, bt d6p bing ngudn rui ro

Tidn chi tri cho nhin vi6n vA hofll dong quan li, c6ng wTidn rhui thu nhip thyc nQp trong kj'Luu chul-6n tiAn thuAr tir hg.t atong kinh dornh trhtc nhtngtha) d6i ra tii sin vt v6n lrru itQng

.\'hing tlta), dlji ri hi sAn hogt dfng{Tdng),Ciam tian ving gui vi cho vay tqi cdc td chuc lin dung khac

(T6ng)/Ciem c6c khoan kinh doanh chimg khorin(Tdng)/Cidm c6c c6ng cq tii chinh ph6i sinh vA cec tei san lii chi khiic

(Teng)/Ciem cho vay dili vOi khech hAng

Gidm ngudn du phdng dA bn dip tiin th6t cec khoen

(Ting)/Cidm kh6c vd tdi sen ho?t dong

.\hting tha! al6i i c^ng nq hoq dAngTing(Ciam) c6c khoAn nq chioh phu vd Ngen hing Nhi nuoc

Teng/(Giam) tien gui ve vay cec td chuc tin dungTeng/tGrJm, tiEn gui cia kidch hdng (bao gdm ce Kho bec Nha nuoc)

Ting(Ciam) phet hinh gi6y to co giri

(ngoai tnr CTCC duqc tinh vdo hoqt dong tei chinh)

Tdng/(Ciim) c6c c6ng cg tdi chinh phrii sinh vli c6c ktoan nq tii chinh khAc

Teng/(Gidm) viin tii trq ty thic, ttiu nr, vA cho vay me TCTD chiu rui ro

Ting/(Ginm) kh6c vd c6ng nq hoat dQng

Chi tt cic Qui cua TCTDLU'U CIIUYTN TITN THUAN TT' HOAT DONG KINH DOANH

Luu chuy6n tidn tir hoft dQng dAu tuMua siD tdi sen c6 dinhtiin rhu rt thanh l!. nhuqng bdn tei sin c6 dinh

Iien chr rt rhanh li. nhuqng ban di stu c6 dinh

Mua sim bdt dgng sdn diu nrTidn thu tu b6n, thanh l! bit dQng sdn diu tuTiin chi rt b6n, thanh lj, bit dgng snn ttdu tu

Tidn chi rliu nr, g6p v6n vrio cic tlon vi kh6c (chi diu tu mua cdng ty con, g6p viin

li6n doarrh, IiCn k6t va cric khorin tliu ru ddi hao ktic)Tidn thu diu tu, g6p v6n vio cric rton vlkhric (thu ban, thanh li c6ng ty con, g6p v6n

li6n doanh. li€n k6t vi cnc khonn ddu tu ddi hqn khic)

Tidn thu cd nrc, lqi nhuan duqc chia tu cAc khodn dau tu, gdp v6n dei hen

2.611.555

( 1.796.900)

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Luu chuyin tidn tt holt ilong tii chinhI T6ng (Gilm) vi5n cd phin nr hoqt dQng g6p vtin vi/ ho[c ph6t hAnh cii phiiiu

2 Tian thu tu phat hnnh gi6y to ddi hpn dt didu kiQn tinh vdo v6n tg c6 vA cdc khorin vay

dii han khac

3 Tiin chi thanh toan gi6y lo drii hqn du diiu kign tinh vio v6n tg c6 vd cec khoen vay

ddi han khic

(r 9.397)

2.810.960

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) | ren chr m mua co phreu quy

6 Ti6n thu duqc do brin cii phi6u qu!III. LU,U CHUYIN TIIN THUAN T'],HOAT DONC TiI CHiNHIV. LU'U CHUYTN TItN THUAN TRONC Ki

TI.N VA CAC KHOAN TUONC DUONG TI'N TAI THOIv. DIEM DAU NAM

VI. DIIU CHiNH ANH HTIONG COA THAY DOI Ti GIAVII. TItN VA CAC KHOAN TT/ONG DUONG TItN CU6I Ki

r.ip bn g K6 toin trudng

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2.E30.793 (62)

2.703.-i88 (2.313.604)

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NAMABANK

rnuvEr Nrrxn sAo cAo rAr cuiNnQuf I nlm 2022

l. o4c ortrrr HoAT DQNG c0l 16 cnrlc rix nqxc

l. Gi6y ph6p thinh lfp vi hogt ttQng, thdi hgn c6 gi6 tri

Ngdn hang Nam A li Ngdn hdng thuong mqi c6 phin duqc thinh lfp t4i nu6c CQng hda Xn hQi Cht nghiaviqt Nam theo giay ph6p ho4t d6ng s6 00264.,1H-GP ngny 22 thing 08 nim i992; Gidy ph6p thdnh l{p s6463/GP-UB do Uy ban Nhin din Thdnh ph6 H6.Chi Minh c6p ngdy 0l th6ng 09 nim 1992 vd Gidy chungnh6n ding k! kinh doanh s6 03008723 15, sta cl6i linthtt 42, ngiry 26 thing 03 ndm 2022 do Sd K€ hoachva D6u tu Thinh ph6 H6 Chi Minh cdp. Thdi hqn ho4t dQng cira Ngdn hang li 99 nim.

Cric hoat dQng chinh cria Ngin hdng bao gdm ho4t dQng huy. tlQng v6n ngin hqn, trung h4n vd ddi han v6icirc hinh thuc ti6n gui c6 k! hAn, k}6ng k! hqn, chhg chi ti6n gti; ti6p nhln v6n ddu tu vir phiit tri6n. vayvtln c6c t6 chuc tin dung khiic; cho vay ngin hp, trung h4n, ddi han, chi€t kliu thuong phi6u, trrii phi6uva cric grAy to c6 gie; htn vdn vd li0n doanh, lim dich vu thanh toilm gita c6c khrich hrimg, kinh doanhngoai t6, virng bac, thanh torin qu6c ti5, huy dQng v6n tt nuoc ngoii vi dich vu ngan hdng kl6c trong quanh"^ vor nudc ngoiri.khi tluqc Ngan hang Nhi nudc cho ph6p; thUc hiQn hoat tlQng bao thanh to6n; cung imgdich vu qurin li tiCn mit, hr vin ngdn hing, tai chinh, bio quin tii sin, cho thu6 tu k6t, k6t an todn; muabin trai.phidu Chinl pht, trrii phi6u doanh nghiQp; riy th6c cho vay vd nhfn iry thric cho vay; d4i l! biohi6m; cdp tin dung duoi hinh thric brio linh ng6n hdng; hoqt dQng mua no; kinh doanh cung img dich vungoqi h6i tren thi truong trong nu6c vi tr€n thi truong qu6c t6 trong phqm vi do Ngin hdng Nhd nuoc quydinh; kinh doanh mua, brin vdng mi€ng; cho thu€ mQt ph6n try so kinh doanh chua st dung h6t thuQc sohiiu cta Ngdn hing.

2. Thinh phAn HQi ddng Qurfrn tri

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Ong Nguy6n Qulic Todn Chir tich HDQTOng Trin Ng6 Phric Vi Ph6 Chir tich HDQT6ng Phan Dinh T6n Ph6 Cht tich HDQTOng Nguy6n Quilc M! Ph6 Cht tich HDQTBe Vd Thi Tuy6t Nga Thdnh vi6nBd D6 Anh Thu Thdnh vi€n <lQc lip

3. Thinh phAn Ban T6ng Girim tl6c

NgiLy b6 nhi6m

86 nhiQm vdo ngay

86 nhiQm vio ngiy86 nhiQm vdo ngdy

86 nhiQm vdo ngdy

86 nhiQm vdo ngdy

86 nhiQm vdo ngiy

l5 th6ng 04 nim 2016

15 th6ng 04 ndm 20 I 6

l5 th6ng 04 ndm 2016

l5 th6ng 04 n6m 2016

15 thing 04 nim 2016

15 thring 04 nIm 2016

Hg vir t6n

6ng Trin Ngqc T6mOng Trin Khrii Hoin

Be V6 Thi Tuy6t Nga

Ong L6 Quang Qudng6ng Hoang ViQt CuongOng Nguy6n Danh ThititOng Hd Huy Cuong6ng L6 Anh TriOng Nguy6n \tnh Tuydn

Chric vg

-l -iI Ong ulam ooc

Ph6 T6ng Gi6m tl6cthudms trucPh6 T6ng Gi6m d6c

Ph6 T6ng Gi6m dticPh6 T6ng Gi6m d6cPh6 T6ng Gi6m d6cPh6 Tiing Girim d6cPh6 T6ng Girim <t6c

Ph6 T6ng Gi6m di5c

Ngiry b6 nhiQm

86 nhiQm vio ngdry I I th6ng 05 nim 2018

86 nliQm vio ngiy 0l th6ng I I nim 2019

Bii nhiQm vio ngiy 0l th6ng 04 ndm 2006BO nli6m vdo ngdy 28 thring 04 nim 2016

86 nhigm vio ngdy 0l thring ll ndm 201986 nhi6m vdo ngdy 0l thring I I ndm 201986 nliem vdo ngdy 25 thring 08 ndm 2020Bii nhiQm vdo ngdy 06 th6ng l0 nim 202086 nhiQm vdo ngiy I I thing I I ndm 2021

T,\t RCTC - 805a/TC7 D - Od 12022

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NAMABANK

4.. Trg sr& chinh: DAt Bi si5 201-203 Crirch Mang Th6ng Tim, Phuong 4, Quan 3, Thanh ph6 HO Cni uinh,g6m: 0l Trung tim kinh doanh, 107 chi nhrlnh vi phdng giao d!ch.

6. T6ng s6 crin bQ, c6ng nhin vi€n: 4.013 nhin vi6n.

II, K} Kf ToAN, DOI.{ q TIIN TE STIDUNG TRONG K6, TOAN

Kj, kti to6n quj cta Ng6n hdng bit tlAu tt ngdy 01/01/2022 vi kiit thric vio ngity 3110312022.

Don vi tiAn tQ su dgng trong c6ng tac k6 toan cta Ngin hdng li itdng ViQt Nam C'VND). Tuy nhi0n,

do quy m6 ho4t dQng cia Ng6n hing r6t lon, cho mgc tlich lip biio c6o tii chinh, cric s6 li6u duo. c ld.,rn

trdn d6n hdng tri6u vd trinh bdy theo tlon vi triQu ddng ViQt Nam.

rrr. CHUAN MrI. c vA cHt D0 xt roAr Ar oqxc

l. 86o crio v6 viQc tuin tht cric chuin myc k5 torin vir cn5 a6 t6 torln

Ban Tting Gi6m d6c dd tuAn thu diy tlt c6c y6u ciu cta cric ChuAn mgc kt! tori,n ve Ch6 dO theo quy ttlnhtrong viQc lip Brio c6o tii chinl.

2. ch6 dO vn hinh thrirc k6 toin dp dgng

. Ch6 dO k6 torin rip dung: NgAn hdng 6p dpng Ch6 dO k6 torin th5ng nh6t ban hdnh theo Quy6t ttinl s6

479/2004/QD-NHNN tgity 29104/2004 vd Th6ng tu s5 22/2017/TT-NHNN n giry 2911212017 b6 sung.

sta diii quy6t dinl s6 479/2004/QD-NHNN; Quy6t ainrr sii toizoozlqo-m+rN ngdy l8l04l2oo7;Th6ng tu 4912014/TT-NHNN sua d5i, bii sung mQt s5 tliiiu khoen cia Ch6 dO bao ceo tai chinh d6i vdic6c Td chuc tin dgng ban hdnh kdm Quyilt dfnh sO t OZZOOZ/QO-NIwN cta Ngin hing Nhd nu6c Vi€t

Nam vd c6c chudn mqc k6 to6n c6 li6n quan.. Hinh thttc k6 torin rip dung: Ngin hirng st dung hinl thuc phin m6m k6 toen dd ghi s6 c6c nghiQp 4r

kinh t6 ph6t sinh vi hinh thuc sii k6 toen ld nhnt kf sti cii.

3. Co s& tlo ludmg

Brio crio tdi chinh, ngo{ tru b6o ctio lrru chuy6n tidn tQ ttugc lip tr6n co so ddn tich theo nguydn tic gi6g6c. 86o c6o luu chuydn ti6n tQ tlugc lip theo phuong phrip t4rc ti€p.

rv. cHiNH sAcn xt roAx Ar nyxc r4r rO cHr/c riN DUNG

l. Chuy6no5itidntg

Nghiip w kinh 16 phrit sin} trong kj, bing ngoai 16. chu y6u la Dollar M! (USD) dugc qui ddi sang D6ngViCt Nam (VND) theo t:| giri mua vri brin giao ngay (gqi tnt ld t'.| gi6 giao ngay) cta d6ng ngo4i tQ d6 t4ithdi di6m phat sinh, crr th6:

IUSD

IGBP

IJPY

IAUD

22.890

29.964,s0

187,26

17. 135,50

\TND

VND

VND

VND

ICAD

IEUR

ICHI

IKRW

18.236

25.385

6.850.000

19,40

ICHF

lSGD

IHKD

24.732,00

16.871,00

2.92t,00

\TND

V}{D

VND

\,.I{D

VND

VND

VND

TM RCTC - RO5a,/TCTD - Oui 1.2022

PaEe 7

NAMABANKF'F

2. K6 todn thu nhap chi phi vi ngirng dq thu lii

Doanh thu dugc ghi nhin khi ng6n hang c6 khd nang thu dugc lqi ich kinh t6 tu giao dich vd doanh thu

tlugc x6c tllnh tuong d6i chlc chin. Trong do c6c khodn lii dugc ghi nhin vio thu nl{p d6i vdi ctic kioanno x6c tlinh ld c6 khi ning thu hdi ca giic lai dtng thcri h4n vd kh6ng phdi trich dy phdng rui ro cu thd theo

qui d!nh.ooi uOi s6 l6i phii thu de hach to6n thu nhfp nhung iliin kj hpn tri nq (g6c, l6i) kh6ch hang kh6ng tradugc tlirng hqn t6 chuc tin dung diiu chinh kiorin ldi tld hpch todn vi theo ddi ngopi bing ttd don d6c thu.

Khi thu tlggc thi h4ch torin vio thu hoqt <lQng kinh doanh. Cric khodn chi phi lii vay, ti6n gui duo. c hach

toin trdn co sd dg thu.

3. K6 torin cic khorin thu phi vl hoa hdng

Thu6 thu nhfp doanh nghiQp hiQn hinh duoc tam trich nQp hang qu! 20% tr6n lgi nhuin thuc t€ phrit sinh

trong kj theo quy dinh.inrE tf,, ntrap'hign hanh ld khorin thu6 dugc tinh dua tr6n thu nh{p chr.u thu6 trong. kj, voi thu6 suit ap

dung tqi ngiycu6i kj,. Thu nhlp chlu thu6 ch6nh l€ch so voi lgi nhuen k6 to6n lir do diiu chinh cdc khoan

ctren'n iqctr tam thoi gita thuii vn k6 toan cfrng nhu di€u chinh c6c khodn thu nh{p vd chi phi kh6ng phrii

chiu thu6 hay kh6ng duoc kh6u trt.

Phi vi hoa hdng bao grim phi nhin hr dlch vu thanh toAn, dlch vu ngdn qu!, phi hr ctic ktroin bio linh va

cac khoin phi kh6c duo. c ghi nhin khi ph;it sinh.

n. K6 todn d5i vri,i cho vay kh:ich hing, holt atong mua ng

Nguy6n tic ghi nhin khotin vay: phuong thuc cho vay d6i voi don vi vi cri nh6n duoi c6c hinh thuc:

cho vay trmg lin, theo hpn muc, theo du in diu tu, vay hqp v5n, vay tra g6p, cim c5 s6 ti6r kiQm,

chung tu c6 gi6 ... Hinh thuc <trim brio tidn vay li bing thi! ch6p, cim c6 tdi sin, brio linh ho4c duoi

hinh thuc tin chAp.

Nguydn tic phin to4i ng va drinh gi6 rui ro tin dpng vd co so trich l6p dv phdng rui ro tin dqng: 6p

dung Th6ng tus5 I l/202I/TT-NHNN ngdy 30 theng 7 nlm 2021 do NHNN ban hdnh.

5. K6 toin nghiQp vq kinh doanh vir diu tu chrimg khoin

cdc khoin kinh doanh ch(mg khodn, tliu tu vdo chimg khorin, c6ng ty con, c6ng ty li€n k6t vir co so kinlr

doanh ddng ki6m sodt dugc ghi nhin theo gi6 g6c.

Du phdng giim giri.chimg kho6n duoc l{p cho tung loqi chung khorin dugc tu do mua, b6n tr€n thr truong

-a iai tl6i-ai6rn kiiim ke, tap bao c6o tai'chinh c6 gi6 rh! truong girim xu6ng so v6i giri gtic ghi trdn s6 k6

toin. Chimg khorin kh6ng dugc mua b6n tu do tr6n thi truong thi kh6ng dugc l{p dy phdng

6. Tiin vi cric khoin trmng ttuong tidn

Tidn vir cic kloen tuong duong ti€n bao g6m ti6n m{t, vdng, ti€n gui tai NHNN, tidn gui.tal cric td chuc

rin dUng khic. cho vay cdc td chuc tin dung khdc voi k! h4n g6c kh6ng quii ba th6ng, tin phi6u Chinh phn

va crlc giiy to co gi6 ngin han k}6c di di6 kign chi6r kh6u voi NHNNVN. vd cdc khodn diu tu chung

k-horin c6 thdi han thu h6i hoic drio hqn kh6ng qu6 ba th6ng kd tt ngdy mua.

7. Nguy6n tic vi phuong phip ghi nh$n thu6 thu nh$p doanh nghiQp

2A--1

iNc0

I.rci(

W

Ti\t BCTC - B15a/TCTD - Oui l.2022

4."

NAMABANK

8, K6 torin cic khoin v6n vay, phft hinh chri,ng khoin ng, c6ng cg v5n

Chi phi tli vay dugc ghi nhdn theo du chi.

9. V6n chii sil hfru

Ngu6n vi5n kinh doanh cria NgAn hdng bao gdm:. Vdn tliu ru cta cht so hiru: tlugc ghi nhin theo s6 thuc t6 di dAu tu cira ciic c6 d6ng.. Thang du vi5n cii phin: ch6nh l€ch do ph6t hdnh c6 phiiiu cao hon m6nh gi5.. Von khac: hini thani do bo sung tu k6t qud hoat d6ng krnlr doanh, gi6 tri cric tdi san tluoc rdng. bi6u.

tdi tro vd d6nh gi6 lai tdi san.

Vi€c trich.lpp c6c qu! cin cu vio Nghi dinl s6 93/2017A{D-CP ngdy 07 thing 08 n6m 2017 cta Chin}rphri vi Dieu 16 cria Ngdn hdng.

v. THONG TIN BO SUNG CHo CAC KHOAN MUC TRiNH B.iY TRoNG BANG CAN DoTKE TOAN

l. Chfng kho6n kinh doanh

1.1. Chfrng khoin ng

. Chung klo6n chinh phir, chinh quyiin dia phuong

. Chung kho6n do ciic TCTD kh6c trong nuoc ph6t hdnh

. Chung khorin do c6c TCKT trong nuoc phrit hdnh

. Chimg khorin Ng nu6c ngodi

1.2. Chrirng khorin v6n. Chimg kho6n V6n do c6c TCTD kh6c phrit hdnh. Chimg khorln V6n do cric TCKT trong nudc phrt hdnl. Chimg khoan V6n nudc ngodi

1.3. DU phdng rii ro chri,ng khoin kinh doanhDu phdng gi6m giri chfng khoiin kinh doanh

103.36940.772

103.36940.'772

t44.t4t 144.141

(16.220) (16.220)

127 .921 127.921

Tll BCTC - B15a/TCTD - Oui 1.2022

3il03t2022 3lnzt202l

NAMABANK

2 Cic cdng cg tari chinh phdi sinh vA c6c tii sin/ tii chinh kh6c

T6ng giri tri cia hgp itdng(theo tj gi6 ngAy hifu lgc

hgp tt6ng)

523.4676.450.221

T6ng gid tri ghi sii k6 to6n(theo fi girl tgi ngiy

lfp bio crlo)Tiri sjin C6ng no

3.863(27.7s5)

'I'4i ngiy 3l thing 03 ndm 2022

' Giao dlch kj, h4n ti6n tQ

. Giao dlch hoen d6i tiAn te

'I4i ngiy 3l th6ng 12 nim 2021. Giao dich kj, han li€n t9. Giao dich hoan d6i ti6n t€

7.013.688 3.863 (21.75s)

913.2316.693.302

L489(4.60 r )

7.606.533

3. Cho vay khrich hing

Cho vay c6c TCKT, c6 nhin trong nuoc

Cho vay chi6t kh6u c6ng cq chuy6n nhugng vd cric gi6y to c6 gi6

Cho vay bing viin tdi trg, ty th6c dAu tu

PhAn tich du nq cho vay khrich hing theo nh6m nd

Ng dt ti6u chuinNq cin cht fNg duoi ti6u chuinNg nghi nghi ngd

.

Ng c6 khi nlng mAt v6n

PhAn tich du nq cho vay khrich hirng theo thM h4n cho vay nhu sau

Nq ng6n hqnNg trung h4nNq ddi han

1.489 (4.60 r )

31/0312022

108.718.3 l33.698

871

3vt2t202t

t02.635.52116.27 |

1.474rlt

A/.,o

10a.722.aa2 t02.653.266

3U03t2022 3Ul2t202t

106.s63.686

519.739165.382383.436

1.090.639

99.023.365

2.0t6.764321.506192.739

1.098.892

108.722.882 102.653.266

3u03t2022

53.460.35225.723.97029.538.560

T.\t BCTC - Bq'a/TCTD - Od 1.2022

108.722.882 102.653.266

3vt2t202t

49.743.60524.198.59128.111.070

+

NAMABANK

4. Dg phdng rii ro cho vay khich hing

Dg phdng rui ro cho vay kh6ch hang bao gtim:

Dy phdng chung

Du phdng cu th6

Cho k) ba thring k5t thfc ngiry 3110312022

s6 au aAu xyDu phdng rui ro trich lip trong kj, (Hodn nhip dgph6ng)

Su dung dq phdng rui ro trong ndm

1.332.411 1.282.762

Du ohdng chu ng Du phirne cu th6 T6ng

76r.658 521.104 1.2142.762

25.261 24.388 49.649

545.492 1.332.41I

Du phdne cu th6 T6ns

208.999 851.347

208.999 851.347

3u03t2022

786.919545.492

3Vt2t202t

761.658521 .104

s6 au cu6i t<y 786.919

Cho ki ba thing k6t thfc ngiry 3l/03/2021

Du ohdns chunq

s5 ouaAu t) 642.348D1r phdng rui ro trich lip trong kj (Hodn nlipds phdngl

Su dung du phong rui ro trong nim

Sii du cuiii ki 642.348

TM BCTC - B05a/TCTD - Otri 1.2022

PaBe 11

NAMABANK

Chri'ng khorin tliu tu

31t03t2022 3yl2t202t

5.1. Chri.ng khorin ttiu tu sin sing tt6 bin

Ch[,ng kho{n ng:. Chung kho6n chinl pht. Chung kho6n ng do c6c TCTD kh6c trong nuoc phit hinh. Chung khoan ng do ctic TCKT trong nudc ph6t hdnl. ChLrng klrodn no nuoc ngodi. Dg phong rui ro chung khoan sin sdng tl6 b6n

5.2. Chrl.ng khorin tliu tu gii ti6n ngiry d6o h4n

(kh6ng bao giim trrii phi6u itic bigt do VAMC phit hirnh)

Chung kho6n chinh phirChfug khorin ng do c6c TCTD klec trong nudc ph6t hdnhChung khorin do c6c TCKT trong nuoc ph6t hanhDu phdng rui ro chimg kho6n tl6u tu gil ddn ngdy tlSo h4n

5.3. Tr6i phi6u dic biQt do VAMC ph6t hinh

. Trai phi6u tt{c biQt do VAMC phrit hdnh

. Du phdng trii phi6u <l{c biQt

6. Grip v6n, ttiu tu diri h4n

5.207 .4362.400.0452.383.37 6

(35.768) (2e.037)

10.235.715 9.961.820

10.2 I 5.2011.242.t41

200.000( 1.500)

10.s22.9541.073.41 0

200.000( l .500)

I1.655.842 11.794.864 N

\

1.356.373(27s.43e)

1.377 .193(275.439)

1.080.934 1.101.75.1

22.972.491 22.858.438

31t03t2022

100.000

31n2l2o2t

100.000

I 15.280 I15.280

Dau tu vdo c6ng ty conCdc khoan tliu tu vdo c6ng ty li6n doanhC6c khodn diu tu vrio c6ng ty li6n kiitC6c khodn diu tu ddi hqn klacDu phdng giAm gi6 dAu tu ddi hqn

l.\l RCTC - B95a/TCTD - Oui 1.2022

215.280 215.2tro

+

3.901.0762.799.97 43.570.433

7. CAc khorin nq Chinh phri vir NHNN

NAMABANK

Vay NHNNVay 86 Tai chinhC6c khoan no khriLc

3U03t2022

777

3Ul2t202t

996

8. Tiin giri vir vay ciia t6 chric tin dpng khic

8.1. Tidn, ving gii'i cta cic TCTD khrlc

Tidn, ving gii'i kh6ng ki h3n:

777 996

9.06t.441 9.048.287B6ng \rNDBang ngo4i h6iTi6n, virng gff cr6 ki han:Bing \NDBing ngoai hdi

5.624.0001.808.310

2.235.000t.787 .7 60

16.493.751 13.071.047

8.2. Vay c:ic TCTD khric

. Bing VND

. Bang ngoai h6ir.361.896L 189.352

9

2.033.023 2.551 .2.18

18.526.714 t5.622.295

31t03t2022 3yt2t2021

Tidn gii'i cta khrich hirng

Theo loli tidn gfri

Tidn, ving gih kh6ng ki hgn:Bing \rNDBing ngoai h6i

TiAn, virng giiri c6 k! hln:Bing M\DBing ngoai h6i

-.1r ren gm ky quy:Bdng VNDBing ngoai h6i

9.743.5 88

126.237

105.825.7081.0s9.060

9.953.81t536.731

103.504.078t.046.47 5

TM BCT(. - R01a.TCTD - Oui 12022

302.417

3U03t2022 31n2t2021

730.7771.302.246

344.516

NAMABANK

Ti6n gri'i r'6n chuy6n dtng:. Bdng VND. Beng ngopi h6i

I0. Phdt hirnh giiy tir c6 gi:i

8132260.801

54.9603.534

117.241.292 5.402.066

3v0312022 3l 21202t

Chrirng chi tiAn griiChung chi ti6n gti ngdn hqnChtrng chi ti6n gti trung han

Chtrng chi ti6n gti ddi hqnI rar phreuTr6i phi6u c6 thdi han hr I d6n 5 ndmTrrii phi6u c6 thdi h?n tren 5 nem

3.0s0.000300.000

7.451.518

500.000200.000

3.150.000300.000

6.2 10. 103

500.000200.000

oNG

$udlt

02

=.t11.501.518 10.360.103

3l/03 12022 31fi2t2021

NI l. Cic khoiin ng khric

C6c khoin lni, phi phii triC6c khoan phdi trri vd c6ng ng kh6c- Cdc khoan phdi trti n6i bQ

- Cdc khoan phiti tra bAn ngodi- Qui khen throng, ph c lqi

56 dudAu k!

2.304.231

1.345.5795 5.7 30

t.276.95212.897

2.371 .439

1.067.743289.839765.007

t 2.897

J

Phrit sinh trong ki56 phni nQp S6 aa nqp

56 uucu6i t<y

4.68658. 140

t29.6291.021

(4.81e)(62.62e)(77 .216)

( l .408)

L99510.008

129.629361

9,t.589

4,

7'.\t BCTC - BOSaICTD - Oun 1.2022

193.476 (146.072') 141.993

Thu6 gia tri gia tengThu6 thu nhip cri nh6nThu6 thu nhip doanh nghiQp

C 6c loai thu€ kh6c

ll. Tinh hinh thgc hiQn nghia vg diii vr5,i Ngin srlch Nhir nurtc

3.649.810 3.439.r82

2.12814.49777.216

748

NAMABANK

13. Viin chri sd hiru

13.1. Tinh hinh thay atiii viin chi sd hfu

viin didu lQ

S5 Un t1i ngiy 0ll0l/2022

Phrit hnnh c6 phi6u bing ti€nChi phi li6nquan d6nrriQc phrithinh c6 phi6u bing.ti6nChi phi li6n quan d6n.vigc phrithdnh c6 phi€u bing c6 tucLoi nhuin thuin trong kj,Chenh l6ch ti gi6 hdi do6i

Trich lip c6c qu! du triTrich ldp qu! khcn thuong,phtc loi

5.134.405

1.430.000

Viin tliu tuXDCB vir mua

sim TSCD .rhi'q {"von co phan

17 t.27 t

t.430.000

(28.800)

(240)

Ch6nh lgch tfgid h6i tlodi

Cic qu! ciiaTCTD

Lqi nhu{nchua

ph6n phiiiV6n khic

25

Tiing

7.996.132

2.860.000

(28.800)

(240)

5t4.7474.t41

t0 7 49.285 1.941.336

4. 1,1 r

s6 Au tqi ngiy 31t0312022 6.564.405 l0 1.572.231 25 4.t4t 749.285 2.456.083 I t.346.180

1 \l lt('ll .R05d ll'7D-Qui1.2022

514.747

NAMA BANK

13.2. Cii phi6u

Sii tuqng c6 phiilu dang kyi ph6t hdnhSd. Iuqng c6 phi6u di b6n ra c6ng chirngC6 phi6u ph6 th6ngC6 phi6u tru tldi.56. luqng c6 phi6u tlugc mua lqiCd phi€u ph6 th6ngC6 phi6u uu tldi.56. luqng c6 phi6u dang luu hdnhC6 phi6u ph6 th6ngC6 phi€u m tlii

Thu nhip lai ti6n gui

Thu nhlp lii cho vay

Thu l6i tu kinh doanh, tliu tu chimg kho6n ng

Thu tu nghiQp vU bao linhThu khric tt hoat d6ng tin dung

15. Chi phi lii vir cfc kho:in chi phi tuong tq

Tri l6i tidn guiI ra lar tlen vav

Trri l6i phrit hdnh giay to c6 gi6

Tri lii tidn thu6 tii chinh

Chi phi host dQng tin dqng khAc

Thu nhip lii thuin

3t/03t2022 31fizt202t

656.440.500656.440.500656.440.500

656.440.5006s6.440.500

31.843

2.509.887

239.332

3.42837.374

5 I3.440.5005 l3.440.500513.440.500

513.440.500513.440.500

3U03t2021

12.009

2.360.814

t7 5.1142.810

32.275

MQnh giri c6 phiiiu dang luu hdnh: 10.000 VND

vI. TH6NG TIN BO SI,JNG CHo CAC KHOAN MUC TRiNH BAY TRONG BAO CAO X6T QUAHOAT DoNG KrNH DOANH

14. Thu nhip l6i vi cic khodn thu nhip tudng tU'

Kj ba thring k6t thric ngil

3U0312022

0

AI

I

-r

2.821.864 2.583.022

3U03t2022 3l t03/2021

(1.544.0/,4)(17.087)

(160.378)

(8s3)

(6.941)

(1.537 .294)( 13.2ee)

(127.420)

(750)(7.6s7)

(1.729.303) (1.686.420)

TM BCTC - B1|a/TCTD - Qui 12022

l.092.561

Ki ba thing k5t thric ngiry

896.602

-v

NAMABANK

16. LnV (6) thuin tir holt ttQng kinh doanh (mua bdn) chrimg khodn kinh doanh

Ki ba th{ng k6t ttrric ngiry

3|03t2022 3U03t2021

Thu nhip tt mua b6n chung khoin kinh doanh

Chi phi vd mua bdn chtng kho6n kinh doanh

Chi phi dq phdng rui ro chring kho6n kinh doanh

Lnil (16) thuan tir hoat tlQng mua bin chrimg khodn kinh doanh

17. Lni/ 06) thuAn tt hoqt trQng kinh doanh (mua b6n) chri,ng kho6n itiu tu

K) ba thring t<6t ttrric ngiry

31t03t2022 3u03t202t

Thu nhip tu mua b6n chimg khoiLn ddu tuTrich dg phdng chimg khoin diu tuChi phi vd mua bin chimg khorin cliu hr

Lnil 06) thuin ttr ho4t ilQng mua b{n chri,ng khodn dAu tu

18. Thu nhip tug6p v6n, mua c6 phin

C6 tuc niin duo. c/lgi nhuin duo. c chia tu:- Chimg. kho6n vdn kinh doanh- G6p v6n, tlAu tu dii hqn

43.470

(6.731)(s)

36.739 101.232

K! ba th6ng k6t tnfc ngiy

3110312022 3y03t2021

76

16

tot.237

IM BCTC - B15a/TCTD - Qui 1.2022

PaEe 17

19. Chi phi ho4t tlQng

K! ba thing kdt thfc ngiv

3U0312022 3U03t202t

NAMA BANK

(427\ (423)

(2s3.462) (341.064)

(231 .529)(18.003)

(122)

(3.808)

( 109.973)

(1.488)(3.817)

(r 21.680)

(28.304)

(34.242)

(313.055)

(17.087)

(42)

(10.880)

(l12.004)

/) tn) )

(3 080)

( l0l .818)

(26.691 )(30.294)

si

l{l.r{

I(519.784) (s8s.603)

PI

VII. CAC THONG TIN KHAC

20. Cric hogt itQng ngoli bring khic mA TCTD phii chiu rti ro at6ng k6 (trang y6u)

KI6ng phet sinl

21. Giao dlch vrii cric b6n li6n quan

Chi ti6t giao dich vfi cdc b6n li0n quan d6n thli tti6m cu5i quj nhusau:

sii. au cuiii tyTiin cho vayTi6n guiGiao dich ph6t sinh trong kiThu lai tiCn vayTre lei tiCn gtiThu kiricChi khric

sii ti6n

57.533797.450

1.02 t

24.125381

23.1t I

TM RCTC - Bq5a/TCTD - Qai 1.2022

^v

. Chi nQp thu6 vi c6c kloan phi, lQ phi

. Chi phi cho nhdn vi6n

Trong d6:

- Chi twng vd phqt ciip- Cdc khoan chi il6ng gdp theo hmng- Chi trq c.ip- Chi khdc cho nhdn viAn

. Chi cho hoat dQng quin lj'c6ng 4rTrong <16:

- C6ng tdc phi- L'hi vi cac hoqt dAng itoan rhd

. Chi vA tai san

Trong d6:- Chi phi Khdu hao TSCD

. Chi ndp phi brio hi6m, biio toin tiin gui cria lJuich hdng

. Chi phi duphdng (kh6ng tinh DP RRTD, DP RRCK)

NAMABANK22. Mric tl6 tip trung cia tii sin, no phdi trd vir cic cam k6t ngoai bdng theo khu vqrc rtla lf

Tqi ngiy 3l th6ng 03 nem 2022

Ti6n gri"i vi chovay cric TCTDkhric-g6p

Chf''ng kho:inkinh doanh-c0p

Cho vay khichhing-gQp

Ch[.ngkhoin iliutu-g0p

Tidn gii'ivir val tirTCTDkhric

Tiin gii'icia khichhing

Phit hinh gi61 Cic cam k5ttd c6 gi6 tin dqng

Trong nuocNuoc ngoii

t9.296.986283.497

t44.t4t 108.722.882 23.285.198 17.224.6t9l .302. r 55

tt7 .241.292 l1.501.518 2.537.2t3

r 9.580.483 l44.t4l 108.722.882 23.285.198 18.526.774 t17.241.292 I1.501.518 2.537.213

Tli ngiy 3l thing 12 nim 2021

Ti6n gri4 vi chovay cdc TCTDkhSc-gQp

Chri''ng kho:inkinh doanh-c0p

Cho vay khichhnng-gQp

(.h [.n gkhorin d6utu-g0p

Ti6n gri.ivi vay tirTCTI)kh6c

Tidn gri'icta khdchhing

Phdt hinh.t . , ..gray to co gra

Cic cam k6ttin dqng

Trong nuocNuoc ngodi

17.342.872427.361

t44.t4l 102.653.266 23.t64.414 l4_433.033 115.402.066t.189.262

10.360. r03 t.979.290

17.770.233 t14.l4l t02.65.1.266 23.161.4t4 15.622.295 I15.402.066 r0.360.103 I .979.290

TM BCTC - 805a,/rcTD - Qqt t.202)

NAMABANK

-ttr23. Rti ro tin dqng

Rui ro tin dung xudt ph6t tt cac hoat dQng tin dung khi khrich hing vi ph4m cric di6u kiQn cta hgp tldng tindung hodc do t6c dQng cta cac ytiu ti5 khich quan ldm rinh huong tliin ndng lgc tii chinh, ngudn trd ng cuakh6ch hdng, lem giam hoAc mat gi6 tri tni.san bao dam.Cric chinh. s6ch qudn l! rui ro tin dpng <16i voi cric rui ro tin dpng trgng y6u <lugc xdy dpg vd ph6 duyQtboi HQi tl6ng Qunn trf . Ngdn hing tli xdy dpg hQ th6ng ki6m soit vd qudn lf rui ro tin dpng, nhu sau:. C6c ilon vi kinh doanh duo. c t6ch ri6ng voi c6c tlon vi qudm U rui ro, tlinh gi6 tdi sdn bdo dim vdph€ duy6t tin dung.

. C6c tton vi kinh doanh dd xuit c6p tin dpng vd thgc hi€n tlinh giti so bQ tai sin bdo drim.

. Qe" don vi quan lf rui ro tlQc lip voi c6c tlon vi de xulSt ban dAu vd thqc hiQn rd sorit vd trii thim

dinh cric d€ xudt cira don vi kinh doanl.

. Ngo4i tru viCc phC duyQt cric giao dich c6 giri tri thip vd rui ro th6p, thim quyrin phd duyQt tindqng duo. c trip trung tqi HQi sd.. Cric chinh s6ch vd c6c quy dinh li6n quan d€n quan l! rui ro tin dgng tlugcphd duy€t tuong ung boi HQi tl6ng Qudn tri vi Ban T6ng Giri.rn d6c, bao g6m:

Chinh s6ch Tin dung;

Quy dinh v6 phin lo4i ng, trich lfp du phdng vd st dung dg phdng xu [j' rui ro tin dung;

Quy dinh v6 tii sin bdo dd,rn vd tlinh gi6 tdi sin bdo ddm;

Quy dinh v6 hQ th6ng x6p hqng tin dpng;Huong ddn hp muc tin dung cho drii tic;Quy trinh Tin dung;

Quy ttinh v6 quy trinh, nQi dung kidm ha vd girlrn s6t truoc. trong vd sau khi gia hqn tin dgng; vd

Quy ttlnh vd hopt dQng, chuc ndng vd nhiQm vq cta Uy ban Qurin lj' Rti ro.

VIII. QUAN L{,RUI Ro TAI CHiNH

. C6c . on vi quin lj'rui ro dinh ki grii 86o c6o. Rti ro d6n Ban Tting Ginm d6c, Uy ban Quin lyl

Rti ro, H6i d6ng Quin hl, b6o c6o ndy g6m b6o ciio v€ ting truong tin dfrng, chdt tuqng tin dpng, phinphdr tin dung theo hQ th6ng x€p h4ng rui ro tin dung m6i, dfr phdng tin dgng, tin dung c6 vin tl6, girirn srit

ri sodt kh6ch hdng, du ng theo ngnnh nghA, nh6m ng vri tfp trung tin dqng.

. Ki6m toin nQi bQ thyc hiQn ki6m torin vd ki6m tra thudng xuyen ddm bno sU tuan thri va tinhhi6u lyc cira ciic chinh srich vi quy trinh nghiQp q.

24. Rti ro thi truirng

24.1 Riii ro l5i suAt

l/A

'I10

Rui ro ldi suit ta rui ro ma gia tri hqp lf honc cric ddng tiiin cria c6ng cU tdi chinh bi6n dQng do thay tl6i laisuat thi truong. Ngin hing sE c6 th6 chiu rui ro l6i suit do sg kh6ng tuong xung hay ch6nh lQch giira ngdyd6o han hoic ngdy x6c ttlnh lai l6i suAt crla tdi sin vd ng phdi trd vdcric c6ng c[ ngoai bdng trong m6t giiidoan nhAt dinh. Ngin hdng quin l! rui ro ndy th6ng qua vi€c cin d6i ngdy xric tlinh lai lai su6t cria cdc taisin vd no phii tri.

Ki tlinn lai lii suit thuc t6 ln thdi han cdn lai tinh hr ngdy kiit thtc k1i k6 torin cho rdi ki dinl lai lii su6tgin nhtt hoic thdi.han diio han cta ciic khorin mpc tdi srin vd no phdi tri, tty theo y6u t6 ndo d6n ssm hon.Cdc gid dinh vd di6u ki6n sau diy tluoc 6p dung trong ph6n tich tiroi hen tlinh lai ldi suit thuc t6 cta c6c tdisdn vd no phrii trd cria Ngdn hdng:

TM BCTC - 805a/TCTD - Q0 1.2022

+

NAMABANK.

.Tidn mat, virng; chung khorin kinh doanh: c6c cdng cq tii chinh phrli sinh ve tii sd.,n tdi chinh kiiicl tniiphi€u <l{c biQt do VAMC phit hdnh; g6p v6n, ddu tu dai han; c6c tdi sdn khric (bao g6m tai sin c6 dinh vitii sin C6 khric) vi ciic khoin ng kh6c tluo. c xdp lo4i vdo khoin mgc kh6ng chiu lii.

. Ti6n grii tai NHNNVN ttugc xiip loai vdo tidn gui thanh to6n do d6 ki itinh lai lai suAt thyc tii tlugc xtiploqi vdo khoin muc tl6n mQt thri,ng.

. K, din) Iai l6i su6t.thuc t6 cta chung kio6n ng diu tu tlugc tinh dua tr€n thoi gian d6o han thuc t6 taingay ket thric kj kd to6n cia tung lopi chimg kho6n.

. Ki dinh lai l6i su6t thyc tii cta cric khoin tidn gui vi cho vay cric t6 chuc tin dung khic; cric khoiin chovay kh6ch hdng; ciic khorin ng ng Chinh pht vd Ngin hing Nhd nudc Viet Nam; c6c khoin tidn grii vdvay ciic t6 chric tin dUng kl6c vd khodn myc ti6n gui cria khrich hang tlugc xiic dinh nhu sau:

- C6c khodn muc c6 lei suit ci5 dinh trong suiit thoi gian cta hqp d6ng: thoi hpn dlnh lqi l6i suit thr,rc

t€ dya tr6n thoi gian cdn lai cira hgp <l6ng tinh O ngiy k6t thric kj, k€ torin.

- C6c khoin muc c6 lii su6t tha ndi: thoi.han dinh Iqi ldi su6t thgc t6 dua tr6n thdi han dlnh lai laisuat gan nhat tinh tu ngdy k6t thirc kj, k€ to6n.

. Ki dinl, lai lii sudt thuc t6 crla kloin myc ph6t hdnh giAy to c6 giti dlra tr6n thoi h4n tlinh lai lii suitgin nh6t tinh tt ngdy k6t thric kj, k6 torin cria trmg lo4i gi6y td c6 giri.

. Ki han tlinh giri lqi cira khoin mpc ngudn v6n tdi trq uj.th6c diu tu, cho vay mA t6 chric tin dung chiurui ro tlugc xiic dinh dua trCn thoi han dinh lqi lai su6t gin nh6t tinh tu ngdy k6t thric kj, k6 to6n.

' Kj, han dinh lai lni suAt cta khoiin mqc c6c khodn ng khtic tluoc x6p lopi vio khodn muc kh6ng chiulei.

Bing sau phdn tich tdi san, c6ng ng theo kj tlinh l6i su6t thgc t6 tai ttrol ai6m ttlt thfc ki, k6 toen:

TM ECTC - B05a/TCTD - yulN 1.2022

PaEe 2l

NAMABANKTAi ngi] 31 thing 03 ntm 2022

Tli sinTidn mqt, vdngTian gti rai NHNNVNTiin g&i vi cho vay cdc TCTD kh6cChring kho6n kinh doanh gQp

Cac c6ng cu tii chinh ph6i sinh vdcic tii sdn trii chinh khdcCho vay khrich hdng - g6pChring kho6n diu tu - gQp

G6p v6n,.<liu tu ddi hqn gQp

Tii sdn c6 dinhTdi srin C6 kh6c - gQp

Quri h4n

2.t59.196

Kh6ngchiu lni

t.02'7 .935

Dr(itiI th6rg

19.078.325

Tri' I d6n-l th:irg

3.383.180

t .o27 .9356.002.27 t

t9.580.483t44.t4t

TiI tron 3 Tt trGn 6d6n 6 thing ddr 12 thing

Tt tr6n Idtll 5 ttat[ I ron 5 nim

15.082.879

I irng

6.002.27115.967.418229.885

t44.t41

416.7931.356.373

215.280960.755

4.492.369

47.222.t681.671.000

14.'164.2193.149.465

892.4561.075.540

24.189.725949.941

108.722.88223.285.198

215.280960.755

4.492.369

T6ng tiri sin

Nq phii triTi6n grii vd vay tt NHNN vA c6cTCTD khricTi6n gti cta kh6ch hingC6c c6ng cs tdi chinh ph6i sinh vic6c khodn no uii chinh khricV6n tai trg, ty th6c d6u tu TCTDchlu rui roPh6t hrinh giSy td c6 gi6C6c khodn ns kh6c

2.159.196 8.ti43.531 41.048.014 52.276.348 25.t39.666 17.913.684 1.967.996 15.082.879 164.431.314

t4.099.4'14

36.308.267t.126

5.389

487 .290

3.540.695

19.340.4t53.917

343.350

2.452.585

350.351

28.343.065t .392

114.450

t.734.730

r8.527.551

I t7 .24t .29223.892

463.189

53t.772

4.849.35',7

7

28.398.604t't.450

1.584

3.649.8 l011.501.5183.649.810

T6ng nq phii tri

Mri.c chOnh nhay cim vddlii suet noi bingM[ac chenh nhqy cim vd,ilii su6t ngogi bingMtc ch6nh nhqy cim vddlei suit ooi, ngo?i bing

3.649.8t7 50.901.546 25.680.962 30.543.988 34.248.226 6.t81.t29 201.584 151.407.252

2.159.t96 s.193.714 (9.8s3.s32) 26.s9s.386 (s.404.322) (16.334.s42) (4.213.133) 14.8rr.29s 13.024.062

2.159.196 5.193.7t4 (9.853.532) 26.59s.386 (s.404.322) (t6.334.542) (4.2t3.t33) 14.8E1.295 13.024.062

P are 22

= o ./^-//

\E'At BCTC - B91a/TCTD - Qb4 t.2022

\\i\

5.259

5.826.913 800.000 200.000

NAMABANK

24.2. Rti ro fitn tQ

Rti ro ti€n tQ ld rui ro phet sini tu nhfrng thay diii va ry gi6 h6i do6i d6i voi <l6ng VND, di5ng ti6n h?ch to6n

ki toin cua NgAn hdng. giy dnh huong d6n gi6 tri cta c6c c6ng cu tiri chinh hoi-c co th6 g6y ra nhtng bi6n

dQng <liii voi thu nhip cta Ng6n hing. Ngin hdng qudn lj' rui ro ti6n tQ bing c6ch xiy dpng cec h?n muc ruiro vd trang th6i titin tQ. Nhring hqn muc niy bao gdm h4n muc trang thiii gioi hgn md, trnng th6i md theo tungloai ti6n t6.

D6ng ti6n giao dich chinh c a Ng6n hnng ld VND. C6c tdi sen tdi chinh vd no phrii tri tii chinh cta Ngdn hdng

chu y6u bing VND. mQt phin bing USD. EUR vd vang. Ng6n hdng dn thi6r lap m6t he th6ng h4n muc dd

qudn lj'trang thrii cria tung lo4i ti6n tQ. Tr4ng thai titin tQ tlugc qudn lj, hirng ngdy dd dam bao ring tr4ng thriicua cdc ddng tidn duo. c duy tri trong h4n muc di thi6t lip.

T1i ngiy 3l thrng 03 nnm 2022Tiri srinTidn m{t, vdngTi6n gui tai NHNNVNTi€n gui vd cho vay cric TCTD khric - g6pChung khorin kinh doanh - gQp

C6c c6ng cu tdi chinh phrii sinh vd ciic tiii siintrii chinh kh6cCho vay khdch lang gQp

Chung.kho6n ddu tu g6pGop v6n,.dau tu ddi hqn - g$pTdi sdn c6 dinhTii srin C6 kh6c ggp

T6ng tiri srin (l)

Nq phrii trd vir v6n cht s0 htuTi0n gti vd vay ti NHNN vd cric TCTD kh6cTi€n gti cua khrich hdngC6c c6ng cg tii chinh ph6i sinh vd c6c khodnno tai chinh khdcVdn tei tro, uy thric <l6u tu. cho vay TCTDchiu rui roPhdt hdnh gidy to c6 gi6Cric khoin no kh6cVdn vd c6c qu!

Tiing nq phni tri vi v6n cht srt htu (2)

'trlng thrii tidn t! nQi bring l(3)=(l)-(2)l

Trang thii tiAn ti ngoai bring (4)

Trgng thii ti6n te nQi, ogoei bdng

l(s)=(3)+(4)l

2.043

5.265

176.40897.888

2. t 15.651

187.65097.888

2.136.680

EUR tluqc qu1'.t6i

USD tluqc quyd6i

Cic ngoai h6ikh6c duqc qu!

.t6i

9.t99

| 5.'7 64

Tirn g

863.392

24.926

863.392

24.926

7.308 3.278.265 21.963 3.310.536

6.9773.1 10.555| .235.6't'7

( 1.803.732)

457.800

2,18.087

3.443| .827.624

3.1 10.555t.246.09',7

23.892

457.800

7.01l 3.2,{t.3 87 1.839.6-15 5.095.033

291 29.878

251.790

(1.814.672) (r.784.497)

- 251.790

291

TM BCTC - Rq'a/TCTD - Qu! 1.2022

28I .66tt (1.814.612\ (1.532.707)

34 8.568 256.689

NAMABANK

-ra-

Rui ro thanh khorin ld rui ro Ngin hirng khdng co khd ning thgc hifn cdc nghia nr tdi chinh khi d6n h4n hodc

Ngir hang co kha ning thgc hi6n nghia vu tdi chinh khi d6n h4n nhung phai chiu tdn thit lon di thuc hien

nghia vu tl6.

Di gram thidu rui ro lhanh khodn, Ngin hing duy tri co ciu tdi sdn ng vir tdi sin c6 pht hqp. tldng rhdi rangcuong khi ning huy dQng tu nhi6u ngu6n kh6c nhau. Ngdn hdng quan li tei sin c6 tinh thanh khodn cao, Iinhhoat. theo ddi ddng tidn tuong lai vi tinh thanh khodn hring ngdy. NgAn hdng cing d6nh giri ddng titin du ki6nvd kha nang sin c6 cta tdi sdn clim bdo hign tai trong truong hgp cin huy tlQng th€m ngudn ui5n.

Ngoiii ra, Ng6n hang duy tri m6t kioan ti6n gti tai Ngdn hang Nhd nudc Vi6t Nam thco quy dinh.hiQn hinhvi du'trt bit bu6c, d6ng thdi lu6n 9im bdo duy tri c6c tj, lQ khi nlng chi trd, tj, 16 ngudn v5n ng6n han chovay trung dii han vi cac gi6i han vd tj, l€ dnm bio an toin hoat ddng theo quy tlinh cta Ngdn hang Nhd nudcVi6r ).lam.

Duoi ddy ld bdng phin tich tdi srin vd ng phrii tre cta Ngan hdng theo nl6m dUa trdn thdi gian con lai tinh tungdy k6t thtic kj, k6 lo6n d6n ngdy diio han:

2{.-1. R[i ro thanh khoin

\o

\it{

g

1 M BC1C - B05aITCTD - Qtri 1.2022

W

NAM A BANK

T{i rgir- -l I thing 0-1 nim 2022

Tii siinlren mat. vangTir5n gui t4i NHNNVNTi6n gti v:i cho vay cdc TCTDkhric - gQp

Chfng khorin kinh doanh - gQp

C6c c6ng cr,r tdi chinh ph6i sinh vdcec tei sen tdi chinh khicCho vay kh6ch I'dng - gQp

Chung.kho6n d6u tu - gQp

G6p v6n,.tl6u tu ddi han - gQp

Tdi sdn c6 dinhTii sin Co khdc - gQp

I .027.9356.002.271

I 5.967.418

144. l4 t

L639.451 5t9.739 3.272.045

I .,1li l.2lt7

Tir tr6n I tl6n3 thing

3.3 83. I {r0

It5.544

Tir tr6n I tl6n5 nim 'l r6n 5 nim

229.8li 5

T6ng

t.027.9356.002.271

19.580.483

I I .007 .444400.000

39.3 54. l6 Il.870.974

I3.92 5.1r 564.906.3li6

1199..1.17 t.020.769

29.004. t80| 6. r07.83n

215 .280960.755

r.005.322

| 44.14 t

108.722.lt8223.285.t98

2 15.280960.755

4.492.369

Tiing tii sdn (l) t.6-r9.457

Nq ph6i tr6Ti6n gui vri vay tt NHNN vd cricTCTD khic

lren gur cua l(hach hang

C6c c6ng cU tai chinh ph6i sinh vdc6c khoin ng tdi chinh khricV6n tdi tro. riy thric tliu tu, chovay TCTD chiu rui roPhdt hdnh gidy to c6 gi6C6c khodn ng kh6c

14. t35.913

36.308.267

r.r34

l5

615.200l.798.226

3.5 17.016

19.340.415

3.9 t7

43

t.355.02053 1.735

343.860

56.741.669

I 8.841

278

1.487.360r.045.405

18.527.55 I

117 .24t.292

23.892

463.189

l r.501.5183.fl9.810

530.762

4.849.357 1.584

462.853

6.392.78320r.960

1.651.155'72.484

s2.858.755 24.748.146 59.637.413 l 2.{3 7.7 t 5 1.725.223 151.407.2s2T6ng nq phrii trri (2)

Mfc ch6nh thanh khodn rdngl(3)=( l )-(2)l

5r9.739 (24.96-1.658) (9.87r.978) (r7.s12.831)

I \l ll('71' ll|5o 1( 11t (-ttr' I )0))

t.639.457

17.6.15.18t 45.568.152 13.024.062

Qui hAn

'l'r6n 3 thing D6n 3 thring D6n I thing

'l rong hirn'l ri trtn -l d6n

l2 thing

s19.739 27.{t95.097 t4.876.r68 42.124.582 30.082.896 47.293.375 t64.431.3t4

NAMABANK

24.4. Rti ro gii cA thi truimg khric

Lip b6ng

. Rrii ro tir cic hoqt ilQng ngoqi bing

uiu htit cac khoin bio l6nh, c6c khoin Ngdn hing Nam A cam krlt cho vay dAu c6 tdi sin drim bio, do 116

khd nang ciic kloin n€u tr6n giy ra nhtng biiin ttQng inh huong tl6n tinh hintr tdi chinh cta NgAn hdng ld r6tthdp.

. Rti ro luit phrip

Ld c6ng ty dai ch0ng ho4t dQng trong linh rgc tii chinh+iAn tQ, NgAn hdng ryam A lu6n tuan tht cac quy dinhcta phrip luat liCn quan d6n ho4t dQng ngin hring tl6u rinh huong tryc ti6p tl6n hoat tl6ng cta Ng6n hang NamA. Tuy nhi6n, voi hu<rng phrit tri6n kinh doanh 6n tlinh, l6u dii; tinh hinh tii chinh minh bach; kinh nghiQmqurin tri, <li6u hdLnh, Ngin hing Nam A se thich img nhanh voi nltng thay tl6i vd c6c quy dinh.

. Riii ro khic (thiOn tai, dich hga, chfy n6....)

D6 h4n.ch6 t6n thdt khi xriy ra rui ro vd thi6n tai, dich hpa, chriy nii... Ngln hing Nam A da thqc hiQn bdohi6m ti6n gti theo qui dinh cria NHNN, xAy dpg phuong 6n bio toin^ dt [iQu trong truong hgp xdy ra rui rodo bdt khd kh6ng, x6y dlmg phuong 6n phdng chriy chta chriy, bio hi€m tdi s6n.

TP. HCM, ngiy/i'tnring E* nitm 2022

. Tiing Gi:lm <t6c

K6 toin trufingw Gi:lm tt6c

hi Tuy6t Nga\ gu]'6n Thi Thio Nguy6n Th! Mi Lan

NGAN HANG

flud{c i.lAlco'

NAM

PaBe 25

ill-

TM B(-TC - Bo5a/rcTD - Qlti 1.2022

2022-q1-bctc-rl.pdf - Nam A Bank

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