NGAN HANG TMCP CQNG BOA XA HQI CHU NGH1A VIFT NAM KIEN LONG Dc Ip — Tr do — I14nh phtic

s6: 15 /BC-BKS Rgch Gio, ngay 12 thong 4 main 2019

BAO CAO CUA BAN MEM SOAT NAM 2018 (Trinh P31 hOi diing ci) clong thuirng nien dam 2019)

Kinh girl: Pi hi dang cO (long

Can cur Dieu le Ngein hang TMCP Kien Long;

Can cir Boo coo tài chinh hQp nheit niim 2018 cz,ia Ngan hang TMCP Kien Long cid cluvrc kiem toen bat Gang ty .TNHH KPMG Viet Nam;

Can c& tinh hinh hog t ,clang cilia Ngon hang TMCP Kien Long, ,belo cao cOa Hai clang quail tri, Ban Dieu hanh va ket qua hogt clOng cilia Ban Kiem soot trong that gian qua,

PHAN I: BAO CAO HOAT BONG CiJA BAN MEM SOAT NAM 2018

Thoc hien chirc rang Ira nhiem vo, Ban Kim soat cid trien khai k hoach boat dOng nam 2018 nhu.sau:

I. Thoc hien the Bao cao gui Ngan hang Nha nuot Via Nam (NI-INN) va Ca quan Thanh tra Giam sat NI-INN theo luat dinh. .

Thoc hien nhiem vo kiem tra, giam sat viec tuan th6 cac quy dinh cUa pita') luat \fa Dieu lé cUa Ngan hang TMCP Kien Long trong via quart tri, diêu hanh.

Thkrc hien chirc nang chi ciao va giam sat 1104 Ong Kim loan nOi b0 nham phat hien, ngan chan kip thai‘nhang sai sot va xtr IY cac cá than, tap the c6 lien quan tai cac dun vi toe thuOc (Bao gôm cac Chi nhanh, Phong giao dich va Phong, Ban, Trung tam HOi so).

Tham tra bao cao tai chinh (BCTC) hang guy, ban nien va BCTC nam de phan tich, (faith gia tinh hop ly cña cac chi tieu WI chi so an toan tai chinh theo quy dinh cila NI-INN.

PhOi hop, h8 tra Ban Dieu hanh lam viec vai C8ng ty kiem toan a lp trong qua trinh kiem toan BCTC ban nien, BCTC nam nham xem xet anh htrang ella the van de trong yen lien quan den ding viec kiem toan va lap bao cao tat chinh nam.

Cap nhat, nghien dru cac van ban phip luat, chinh sach cita Nha nuac lien quan den boat Ong, ngan hang. Tir do, thkrc hien cong lac ra soat, soat xet cac quy che, quy dinh nOi b0; kien nghi sita doi, bo sung cac quy dinh nOi 110 cho pita hop.

Tham do cac cuec hop cua HOi 'Sang quan tri va Ban Dieu hanh theo dinh va dOt xuat nham nam bat tinh hinh boat Ong kinh doanh dux te dlla ngan hang vá clang gop kien vài HOi dong quail tri va Ban Dieu hanh trong viec thkrc hien cac mvc tieu ke hoach ducfc Dai hei 'Jong co (long thong qua.

Thkrc hien met sO chirc nang va nhiem vu khac theo quy dinh.

Viec kiem tra, kiem soat va giam sat &roc phan cong cho cac thanh vien Ban Kiem soat thkrc hien met each true tiep,,phoi hop \Jai Kiem toan nOi b0, thong qua hinh tit& kiem tra ho so chung tir va gian tiep thong qua bao cao theo dinh k5i cita Ban Dieu hanh.

1/4Trang 1/7

Ban Kim soat Ngan hang TMCP Kien Long (Kienlongbank) bac) ea° QuY c6 (long ye tinh hinh hoat dOng va ket qua kinh doanh nam 2018, nhu saw

I. TINH HINH TAI CHINH VA KET QUA KINH DOANH NAM 2018

Truac h&, Ban Kiem soat nhat tn vOi Bao cao lc& qua hoat dOng kinh doanh nam 2018 dm Ban Dieu hanh da trinh tai Dai hOi.

ye tinh hint' tai chinh da the hien dAy dü, rO rang trong Bao cao tai chinh hyp nhit nAm 2018 dm Kienlongbank va da dugc Cong ty TNHH KPMG Viet Nam thuc hien kiem toan, dugc dinh kern trong Bao cao thu6ng nien nam 2018 va tai lieu hop. Ban Kiem soat xin dugc bao cao mOt so chi tieu tai chinh quan trong, nhu sau:

1. Ket qua kinh doanh nAm 2018

DVT: Ty d6ng

STT Chi tieu Nam 2017

Nam 2018

TAng/giam so \Tel 2017

SO tien TST le (%)

I. Thu nhap lai thuan 1.041,63 974,87 (66,76) (6,41)

2 T6ng chi phi hoat Ong 806,20 928,44 122,24 15,16

Chi phi du pheng rid ro tin dung 68,76 37,64 (31,12) (45,25)

Tting lgi nhuAn truck thu6 252,19 290,08 37,89 15,03

Thud TNDN 50,50 58,19 7,69 15,23

T6ng Igi nhuAn sau thue 201,69 231,89 30,20 14,97

2. ye chi hen tai chinh co • bin:

DVT: TST d6ng

TT Chi tieu

Thtyc hi'en nAm 2017

Ke hooch nAm 2018

Thlyc hien nAm 2018

0/0

Roan thanh

ke hoich nAm 2018

TAng/giam so vtil 2017

sii tih Ts, l'e (0/0)

V6n dieu 1'e 3.000 3.236 3.237 100,03 237 7,90 T6ng tai sari 37.327 44.000 42.310 96,16 4.983 13,35

Tong huy Ong vtin 33.152 39.500 37.499 94,93 4.346 13,11

Du ncy cAp tin dung 24.686 30.206 29.472 97,57 4.786 19,39

S. TY le ng xAu (%) 0,84 <2,50 0,94 - - -

Lgi nhulan trait thue 252,19 405,00 290,08 71,62 37,89 15,02 Mang bred Chi nhanh

Aid PhOng giao dich 117 134 134 100,00 17 14,53

ROA (%) 0,54 - 0,55 - - ROE (%) 5,68 - 6,18 - -

Trang 2/7

Nhin chung cac chi so tai chinh ca ban kha tot va tang truerng cao trong nam 2018 so,voi nam 2017 khi tong tai san.tang 13,35%, tong huy dOng von tang 13,1,1% va du ng cap tin dung tang 19,39% lai nhuan,truoc.thue tang 15,02%. Ve tY le ncr xau nam - • 2018 van darn bao duai 3%.

1.

Vai co cdu tai san c6 va tY le tang truang neu troll chang to su phat trien ben yang cüa Kienlongbank.

3. Cac chi s an toan tinh den ngay 31/12/2018

STT CHI TIEU Don

vi tin'h

Thyt hitn Nam 2018

Quy dinh NHNN (/0)

TY le an toan von toi thieu % 16,62 >9

Ty le du ng cap tin dung d&vai 1 khach hang so vai Von tu c6

% 10,52 <15

Ty' le du rig cap tin dung doi vai I nhOm khach hang so vai Von tkr c6

% 10,52 < 25

TY le du trir thanh khoan % 11,82 > 10

Ty le tOng mac dau tu, gOp vOn mua co phan so vai VDL va quy DTBSVDL

% 15,84 < 40

S6 lugng TCTD Kienlongbank mua cox phan

s6 lugng -

< 2 TCTD ma Kienlongbank

dau tu, gOp von mua co phan

Ty le nguon von ngan han cho vay %

33,31 <45 trung dai han

8.

.

TY le du ng cho vay so vai tong tien giii

% 78,29 < 80

, Qua cac tieu chi danh giã tOng the, Kienlongbank tfing buoy tang,truang va phat trien on dinh, ben yang, luon tuan thn va chap ,hanh tat ty lean toan von, giai han tin dung, kha nang chi tra, gioi han gOp von mua co phan,,tY le daup tai san co dinh, t5' le nguon von ngan han cho vay trung dai ty le ng xdu luon kiem soat er mire clued 3%.

Kienlongbank da thuc hien Mt viec duy tri cac tY le an toan vOn tai ding thai diem boat dOng diing theo quy clinh cUa NHNN Ira cac pita]) luat co lien quan.

II. CONG TAC QUAN Lit VA DIEU HANH

1. Hot &mg cfia 110i clang quan

a. Trong nam 2018,,HOi dOng quail tri da tin hart 108 phien hop (Bao gem hop dinh kY, dot xuat va lay-Y-kien bang van ban). Trong do, HOi docrig quan tri nhiem ky 2013 - 2017 c6 29 phien hop va Hi dong quan tri nhiem ky 2018 - 2022 c6 79 phien hop. NOi dung cac phien hop nham trien khai thkic hien k8 hoach kinh doanh dirge Dai hOi dong co dong giao; tap trung giai quyet va did° gä flitting lath khan cho Ban Dieu hanh \id ban hanh kip thai cac chinh sach kinh doanh linh boat; thAnh lap Chi nhanh, Phong,giao,dich theo phuang An phat trien mpg luoi; xay dung ca che, chinh sach >dr ly ng xau; dau hi

mua sant tai san, xay dung co sa vat chat mOt s6 dart vi kinh doanh; bo nhiem va tai 136 nhiem it* sO nhan sir chit' chôt dm Ban Dieu hanh; thong qua phuong an tai ca cau

oo,

AN irom 5' Pr

N L

Trang 3/7

.Kienlongbank giai doan 2016— 2020, dOng thOi thong qua mOt só vAn d'e quan tryng lchac trong quan tri va dieu hanh. Cy the:

Giam sat thitc day viec thvc hien ke hoach kinh doanh hang thang, quy va co chi ciao cu the, sat thkrc de tang tinh kha thi, hieu qua trong boat &ling ngan hang.

- Phan ding nhiem vi thanh vien HOi d6ng quan tri nhiem ky 2018 — 2022.

- Tie') tyc hoan thin co che quart tri dieu hanh; dieu chinh, b6 sung va ban hanh moi cac quy che, quy dinh n'Oi be cho phi' hop veri quy dinh cüa phap luat va tinh hinh thkrc ti6n.

Quyet dinh tier, tyc dau tu thy dung co sa vat chat cho cac Chi nhanh va Pheng giao dich.

- Quyet dinh thay dOi mOt s6 dia diem try so. cilia Chi nhanh, Pheng giao dich tai cue vi tri thuan lgi.

Quyet dinh cac chinh sach kinh doanh, chinh sach mien giam lai win vay, lai phat doi voi khach hang kilo khan va cac giai phap xü lY no qua han.

Quyet dinh thanh lap Chi nhanh, Pheng giao dich theo phuong an phat trier' mang hied.

, • - Thyc hien phat hanh c6 phieu tang vo'n dieu l theo Nghi quyet cüa Dai hOi thing co tong nam 2018.

Co eau tei chirc lai va chuan boa cac Phong, Ban chIrc nang Fthi sâ theo huang chuyen mon, chuyen nghiep.

Bo nhiem Tong Giam doe va tai be nhiem nhan sr cap cao.

VA quyet dinh nit s6 van de quan trong khac.

b. Cac boat clOng cüa Kienlongbank dtryt giam sat chat che, chi tieu fiat kiem, citing quy dinh.

2. Hot 'gong ciia Ban Kie"m seat

Veri chIrc nang,,nhiem vi duqc giao, Ban Klein soat da thvc hien hieu qua. cong Mc nam 2018, gOp phan dam bao an toan trong hoat Ong kinh doanh Ngan hang. Cy the nhu sau:

Tham dkr, giam sat \TA c6 kin d cong tac th chat hyp/lay kin bang van ban va ban hAnh Nghi quyet cüa HOi dong quan tri &roc thvc hien pha hop guy dinh phap luat, Dieu le Kienlongbank. Deng thai, giam sat viec trien khai, thkrc hien cac Nghi quyet cua Dai hci &mg c6 'Jong, càa HOi (long .quan tri va Ban Dieu harth.

Thvc hien cac Bao cao cho NHNN va Co quan Thanh tra Giam sat NHNN theo luat dinh..

Tham tra cac bao cao tai chinh hang quy, ban nien d phan tichva danh gia tinh hop ly cna cac chi tieu và chi so an toan tai chinh; phoi hop lam viec vOi kiem toan dc lap trong qua trinh kiem toan nham xem xet anh hutng ella cac van de tryng yeu lien quan den ding viec kiem toan NM lap bao cao tài chinh.

Trkrc tip chi dao Kim toan rthi b thkrc hien nhiem vv kiem toan tai cac don vital HO so v6 cac don vi kinh doanh trong he thong. Viec kiem•toan nOi b0 da g6p phan hO tra hieu qua cho HOi deng quan tri, Ban Dieu hanh trong viec hoan thien he thong kiem tra, kiem soett nOi b0, citing !heti cha dOng phat hien, ngan ngfra va xfr ly flitting sai pham trong he thong, Op phan dam bao sv an toan vã hieu qua boat dOng dm he thong, cy the:

Trang 4/7 Out/

- Kiem toan nOi b0 da thuc hien three 09 cuOt kiem toan, bao 05 cuOc kiem toan tai Chi nhanh, Phong giao .dich true thu0c; vii 04 cuOc kiem toan chuyen de tai cac PhOng, Ban, Trung tam nghiepliu Hoke.

To chac giant sat tir xa lien quan den hog dOng cap tin dung, tren ca se do do luemg va xep loai mire dOni ro cac dcrn vi, sam phat hien vii ngan than cac hanh vi, dau hieu bat thueng de,yeu cau giai trinh, chinh sa va thong bao teri cac ben cO lien quan phoi hop giai quyet, kip thei ngan chan cac ru ro phat sinh.

- Giam sat, danh gia viec thue hien cac quy trinh, quy dinh phap 1114, cac ty le an toan yen, ty le trich lap du phOng theo quy dinh cita NI-INN ding nhu cila Kienlongbank.

Thueng xuyen theo dOi, don dee viec khac plum cila cac don vi sau kiem thanh tra, dam bao cac ton tai, khuyen nghi dtrec xii 1 triet de, nhanh chong. Doi

yeti cac van de can ton tai, chua khac plum kip uteri deu dirge thong tin, bao cao day da len cac cap c6 tham quyen de phoi hop giai quyet.

e. Trong qua trinh hoat Ong kiem Moan, theo dOi khAc plum, gum sat cac don vi, Kiem toan nOi b0 da cO nhieu khuyen nghi ye situ dei cac quy dinh, quy trinh, bin phap,quan 132 tti ro, &mg theri,tham gia &Mg gem kien xay dung cac quy trinh nghiep \Ty de giam thieu cac nil ro, bat cap trong cac quy che, quy trinh ala Kienlongbank.

3. Nhan sv Ban Kiem snit

Trong nam 2018, nhan sr Ban Kiem soat co sty thay d6i nhu sau:

Ban Kiem sok nhiem kY 2013 —2017 (co 04 thanh vien) da ket thee nhiem sau khi Ban Kiem soat nhiem kY 2018 —2022 duce Di hOi &Ong co (long thueng

nien nam 2018 bau tai hop thueng nien vao ngdy 26/4/2018:

Tinh den ngay 31/12/2018 Ban Kiem sok co 3 thanh vien, gem:

Ong Nguyten Cao Cueng — Truerng ban (Thanh vien chuyen trach).

Ong Dang Minh Quart — Thanh vien chuyen trach.

Ong Nguyetn Thanh Minh — Thanh vien khong chuyen trach.

4. V6n di'eu té

VOn dieu l ala Kienlongbank tai ngay 31/12/2018 la 3.236.957.960.000 dOng, tang 236.957.960.000 dOng so Arai nam 2017.

III. TiNH HINH THVC HIgN TUAN THIJ CAC CHINH SACH, QUY DINH

1. Ve cling Mc tai chinh ke toan

- Kienlongbank da tuan that day du yeu eau ciia cac Chuan nurc ke toan Ara Chez dO ke than hien hanh theo quy dinh ala NHNN trong viec hach toan va lap Bao cao tai chinh.

Kienlongbank trich lap day du cac khoan du phOng theo quy dinh hien hanh.

Tinh hinh se ,sach, chimg tfr, bao cao tai chinh r0 rang, luu tni dAy

Cong tac kiem ke tai san, citing cv dung cu, hang hoa, kho qu'y then mat vii cong tac di chieu ding nor dirge num hien dung theo quy dinh.

2. Cling tac chip berth phi!) Mal ctia Nha ntr6c vi Dieu le

Trong ding tic quan ly va dieu hanh host &Ong kinh doanh, Kienlongbank da chap hanh dAY dit cac quy dinh ala cac Luat: Lust Cac TO chirc tin dung, Lust Doanh

•

;1ANC-a MA

ONC

Trang 5/7

k/i/

nghiep, Be luat Lao ding, Lust Thu, Luat Thuong mai, Lust Chang khoan va cac luat khac...va thoc hien day flack quy dinh theo Dieu le Kienlongbank.

Theo Dieu le, cac Thanh vien .HDQT, Ban Dieu hanh da thgc hien nhiem vg coa minh vi lqi ich cao nhat cna Kienlongbank.

PHAN 11: KE HOACH HOAT BOG GOA BAN KIEM SOAT NAM 2019

1. NhiOn vv trvng tam

Giam sat viec tuan thu cac quy dinh cna phap luSt va Dieu I Kienlongbank trong viec quan tri, dieu hanh.

- Thoc hien chirc 'fang chi dao va dinh twang cong tac kiem toan nOi be chuyen trong nam 2019.

Thkrc hien chi ciao Ara theo dOi khac phc sau thanh tra, kiem tra tai cac don vi.

Chi dao thkrc hien kiem toan h theng ki'em soat nei be v nghiep vu tin dung; an toan kho quy; tinh hinh xir ly no xau tai cac don vi; chinh sach an ninh mpg va Oat trien ang dung ceng nghe thong tin; hoat dOng dau tu xay Ong ca ban; cong tac phOng cheng Kra tien va quan lY rüi ro;

- Chi dao thoc hien kiem toan viec trien khai thvc hien phuung an cu cdtt lai Kienlongbank.

Tang cuOng cong the kiem tra giam sat ve quan lY se het kiem nham dam bao an toan ti'en gni cüa khach hang.

- Kiem soat che do thu chi tai chinh, dAu tu mua sam tai san cüa Kienlongbank.

Xac dinh cac linh voc rni ro va tfurc hien kiem Loan nOi b6 tren ca sa xac dinh rüi ro float deng cna ngan hang.

- Tham dinh bao cao tai chinh dinh quy, ban nien va bao cao tai chinh nam.

Kim tra viec, dux hien nghi quyet, guy& dinh cüa Hei deng quail tri; giam sat hog dOng cnal-10i (long quan tri, Tong Giam dec.

- Kim tra hog dOng tài chinh, giam sat viec chap hanh che do ke toan, phan phoi thu nhap, sir dyng cac guy, giam sat an toan trong hog dOng cüa ngan hang.

Tip nhan, giai guy& theo tham quyen ve khieu nai, t6 cao cia lien quan den hog dOng cna ngan hang.

2. Cong tac kim Wan n(il b nam 2019

Ke hoach kiem toan nei be nam 2019 da dugc Ban Kim soat phe duyet bao g6m: 10,cuOc kiem toan tai cac Chi nhanh/PhOng giao dich, Phong Ban, Trung tam HOi ser va kiem toan chuyen de.

Ngodi ra, trong qua trinh thkrc hien, khi c6 cac vAn d phat sinh, Ban Kim sok së tien hanh chi dap be phan Kiem toan nei be thkrc hien them cdc et* kiem toan ngoai ke ho4ch de dap ling phU hcrp voi tinh hinh thkrc te.

PHAN HI: KIEN NCH!

1. Kienlongbank can quan tam thuOng xuyen hon dOi ngii nhan skr; cei chinh sach dai ng0 pha hop de gill nguai lao Ong ce nang Ivy và thu lint nhan tai; c8ng tac dao tao can chuyen sau, cO danh gia nghiep vy dinh ky, nham nang cao trinh dO chuyen mon nghiep vu cho nhan vien va cac cap quail ly.

Trang 6/7 WI/

Nguyen Cao Cuomg

Nab NAN THUMP KV

CO' PHA'

Kik LO 0

N KIEM SOAT ONG BAN

Kienlongbank can thuOng‘xuyen xay dgng cac chinh sach kinh doanh linh hoat dé on dinh khach hang truyeiFthongya mOi goi them khach hang tiem nang.

Kienlongbank can tang ctrangcang,tac giam sat tinh hinh thgc hien ke hoach kinh doanh, thu hoi no cña cac don vi; day manh hem nita six phoi hgp, ho trg giüa cac PhOng, Ban, Trung tam TIOi sâ \Pa clic don vi kinh doanh.

Kienlongbank can thuiyng xuyen ra sok, chuhn boa he thong quy che, quy dinh n01130 cho phü hgp yeti quy dinhuphap luat va thgc tiên kinh doanh.

Kinh thuia QuYc &mg,

Ban Kiem sok vira trinh bay Bao cao hoat &ling Wain 2018 \id Ke hoach hoat Ong nam 2019 dm Ban Kiem soat Kienlongbank.

Kinh trinh Quy ce) (long xem xet, guy& dinh.

Tran trong.

Noi nh411: - Nha tit; - Luu: VP. HDQT, BKS.

Trang 7/7

136V