1I

TONG CONG TY CO PHAN BAO IDEM HANG KHONG(Thanh l(Ip t(Ii mrac Cr;5nghOGxa h(Ji Chi; nghTa Vi~t Nam)

BAO CAO TAl CHINH GIUANIEN DQCho ky ho~t oQng 9 thang k~t thue ngay 30 thang 9 nam 2016

Tba:lg 10 n8.m :2016

Bao cao tai chinh giull nien oQCho k5"ho~t d9ng 9 thangk€t thue ngay 30 tllang 9 n~m 2016

TONG CONG TY CO PHAN BAa HlEM HANG KHONGrAng 15~ toa nha Geleximco, 56 36 Hoang elmD6ng Da, Ha N(>L CHXHCN Vi~t Nam

B..\NG d,N DOl KE TOAN GIUA NIEl'IDQ

Tc;i11gby 30 thang 9 nam 2016MAU SO B 0Ia-DNPNT

Dan vi: VNDrAI SAN Mils6 rhuy~t S6 cu6i quS' S6 ddu Ram

minhA. rAI sAN NGAN ~N 100 887.692.953.636 740.946.496.883I. ri~n vA cae !illoau to'o'ng dU'Ollg ti~n 110 5 62.647.000.072 212.146.243.1331. Tibn 111 62,647,000.072 97.146.243.1332. Ca; khoan tuang duang ti~n 112 115,000.000.000II. CAe khoan dh to' tAi ehinh ngin h~n 120 6 316.706.972.904 291.457.840.0931.£)~utu ngin h~ 121 318.961.028.707 296.518.665.9602. Du phimg giam gia diu tu ngin hen(*) 129 (2.254.055.803) (5.060.825,867)Ill. Cae khoan phai Ihu ngin h~n 130 334.627.812.961 108.786.773.7411. Pha; thu cua khach hang 13 I 125,725.274.018 146.579.981.3921.1. Pha; thu vb hqp d6ng bao hi~m 131.1 7 59.893.490.310 79.308.118.449 =1.2. Pha; thu !illae Clla khaeh hang 131.2 8 65.831.783.708 67.271.862.9432, r ra truae cho ngum ban 132 2.256.002.413 1.379.731.256 ,~

4, Cae khoan phai thu khae 136 9 247.358.402.527 1.407.535.642 ~(

5. DV phOng phai thu ngin h1J1khO dai(*) 139 10 (40.711.865.997) (40.580.474.549) II

V. Tai san ngin h~n khac 150 12.860.780.658 10.345.595.357 :1

1. Cb phi tra tmae ngin hen 151 11 12.188.394.528 9.407.640.509 -1.1, Chi phi hoa h6ng chIlO pMn b6 151.1 10.747.126.310 8.692.614.003 '\.=1,2. Chi phi Ira tmae eh"a phdn b6 151.2 1,441.268.218 715.026.5062. Thu~ GTGT duge khiu trir 152 81.512.4233. Thu~ va cae khoan khac phai thu Nha nuac 154 17 590,873.707 937.954.848VIII. Tai san lai baD bi~m 190 12 160.850.387.041 118.210.044.5591. Dv phong phi nhugng tai baa hi~m 191 66.541.797.366 69.978.903.2042. Du phong b6i thuang nhu.;mg tai baa hi~m 192 94.308.589,675 48.231.141.355B- rAJ SA.N DAI H~N 200 216.678.757.722 240.841.347.1511- Cae khoan phai thu dAi b~n 210 9 9.1 10.097.112 7.179.875.9284, PMi thu dai han khac 218 9.110.097112 7.179.875.9284.1. Ky quy baa hi~m 218.1 7.000.000,000 6.000,008.0004,2. PMi thu dai han khae 218.2 2.110.097.112 1.179.875.928II. Tili sau e6 djnh 220 6.909.152.982 5.088.927.3531. Tai san c6 dinh hUu hinh 221 13 6,834.237.316 4.967.416,617• Ngu.vel1 gia 222 2J.J 44. 068 041 17.958,638.951- Gia tri hao man lily kJ (*) 223 (14.309.830725) (12.991,222.334)3. Tai san e6 dinh 1'6 hinh 227 14 74.915.666 121.510.736- Ngtlyen gici 228 1.310.350.000 1.310.350.000- Gd /ri hao mon lily kJ ( ') 229 (1,235.434334) (1. 188.839.264)IV. Cae khoan diu lu tal eh.nh dAi h~n 250 6 197.563.640.069 227.990.000.0003. Diu tu dai hen khac 258 197.563.640.069 227.990.000,000V. Tai san d.i han khae 260 3.095.867.559 582.54.1.870I. Chi phi tra truG' d,,; han 261 3.095.867.559 582.543.870rONG CQNG TAl S..\N 270 I.l04.371. 711.358 981.787.844.034

Baa cao tai chinh gill1l nien 09Cho ky hoat d\>ng 9 thang kit thUc ngay 30 thang 9 nam 2016

TONG CONG TY CO pHAN BAG HlEM HANG KHONGr1ng 15, toa nhi Geleximco, s6 36 HoangC~uDbng Da, Ha N\>;, CHXHCN V;~t Nam

T~an TrQng ~iin~/-Tong Giam ooc'

j1t\_~Nguyen Hoimg MaiKf loan tru-o'ng

Nguy~n Thj Thu Hu'o'ngNgn'i\'i l~p bi~u

Ha N(Ji. ngay 20 thang 10 nam 2016

BANG CAN DOl ICETO..\N GnJA NrEN DO (fi~pthea)

Tr;ll'I1gby 30 t/uing 9nam 2016MAD SO B 0Ia-DNPNT

Dan vi: VNDNGUONVOl" Masll Thuy~t s6 cu5i qU)' Sil dAu nam

minh

A- NO' PHAITM 300 592.715.810.774 465.943.377.7231. Ng ng~n han 310 591.760.174.918 463.717.296.947I. Vay vang ng~n han 3ll 15 67.000.000.0002. Phai tra cho ngum ban 312 92.832.674.358 129.784.410.6962.1. Pha; tra v~ hQP d6ng bac hi~m 312.1 16 87.481.970.958 129.083.400.0862.2. Phai tra khac cho nguai ban 312.2 5.350.703.400 701.010.6103. Nguai Olua tri tiSn truac 313 6.867.914.460 7.927.703.4414. Thui va cae khoan phai n\>, Nhil nuae 314 17 7.770.513.482 5.226.920.4705. Phai tra eho ngnm lao dQng 315 9.115.378.110 7.450.715.9758. Cae khoan phili tra, phai nQp ng~n han khae 319 18 2.083.682.572 21.408.397.1659. Doanh thu hoa himg chua duge huang 319.1 18 7.350.768.253 5.861.510.364 ,II. QU)' khen thuang phue Igi 323 677.419.806 715.883.635 I

13. D~ phong nghi~p v~ 329 19 3\8.061.823.877 285.341.755.201 )

13.1. DI,fphongphi bao hiam g6c va nh(m tai bao hdm 329.1 207.556.077.131T

163.563.162.57013.2. DI,fphong b6i thuimg Mo Mam g6c va nhan tai

• .1

bao hMm 329.2 156.76i.028.367 90.347.042346 d

13.3. DI,fphong daD Q(mgMil 329.3 33.i38.718.379 31.431.550.285Il.Ng dai han 330 955.635.856 2.226.080.776 ;;;

3. Phai tra dai han khac 333 51.000.000 1.000.0008. Doanh thu chua th~c hifn 338 904.635.856 2.225.080.776B-VON CHU s6 HUU 400 511.655.900.584 515.844.466.311Vbn chiI sa huu 410 20 5 i1.655.900.584 515.844.466.3111. V<in dAu tu Clla chiI sa hiiu 411 500.000.000.000 500.000.000.0009. Qui' d¥ tru b~t bUQc 419 9.980.736.662 9.892.570.14011. Lgi nhu~n sau thui chua phan phb; 421 1.675.163.922 5.951.896.171

TONG CQNG NGUON VON 440 981. 787.844.034

2

Bao cao tai chinh gifi'3 nien d{)Cho k)' ho~t d<)ng9 thang k~t thuc ngay 30 thang 9 llam 20]6

TONG CONG TY CO pRAN BAO HIE!I1 HANG KRONGTbng is, toa nhil Geleximc'J, 56 36 Hoang cbuD6ng £la, Hi! NQi, CHXHCN Vi~t Nam

BAO CAO KET QuA HO~ T DONG KINH DOANH GIU A NrEN DO

Cho ic)' h091 a(mg 9 thang kit thue ngay 30 Ih!1I1g9 nam 2016

MAu SO B 02a-DNPNTDOl1 vi,' VND

PHAN I: BAo cAo KET QuA HO.;\.T DQNG KINH DOANH TONG HQPCbi tieu Ma sa Quj'J Quj'J Lir~'k~d~uDam Luy ki aAu nam ain

nam 2016 nam 2015 ain cnai Quj' 312016 cuai Quj' 312015(Pbin loa 1I,i) (Pbin lo,i 1,i)

1, DO~lb tbu Ibuin hoal aOng kinb doanb baD 10 75,604.704.591 47,76;'919,955 195.511.023.259 137,885,182,948biim3. Doanb tbu hoal dong tii cbinb 12 10,165.248,840 1;'021.323.233 31.522,846,185 34,796.590,6764, Tbu nbap kbac 13 31.002.269 2;'713.107 105,861.066 4 ;'225.7985, Tang chi pbi boal dong kinb doanb baa biim 20 73,848,404.584 48,706,154.716 195.142,209.763 122,064,137.925

7, Cbi pbi boat dong lai cbinb 22 4.376,591.394 5,697.323,877 6.56;'728,132 16,669,860.3148, Cbi pbi quan 1j doanb nghi~p 23 8.350.778,126 6.401.316.550 23.281.207.797 21.32;,202,1l09.Cbi phi kbiic 24 37,08;'951 (50,975.352) 44,173.233 226.378.36310, T6ng 19i nhu~n ki toan troVctbui 50 (811.900.355) (1.9~8.863.496) 2.1 I 0.411.585 12.4~1.420.iI0(50=10+11+ 12+ 13-20-21-22-23-24)1;' Cbi pbi tbui TNDN bi~n banh 51 (217.519,836) (244,255,732) 34i.081.141 2,911.090.15012, Cbi phi Ihui TNON hoan 1ai 5213. Lgi nbu~n sau thu! thu nb~p doanb 60 (594.380.519) (I. 70~.607. i64) l.i63.330.4~~ 9.530.330.560n£bilr (60=50-51)

3

TONG CONG TY CO pHAN BAO HIE!I1 HANG KHONGT~ng 15, toa nha Geleximci), 56 36 Hoang Cfru Bao cao tili chinh giU'a nien i1QD6ng Da. Ha NQi, CHXHCN Vie! Nam Cho kS' hoat i1Qng 9 thang kt\t thUe ngay 30 thang 9 n~m 20 J 6

BAO CAO KET QuA HO~T D<)NG KINH DOANH GWA NIEN D<) (Ti~p theo)

Cho A)) ho~t a(mg 9thang Mt thue ngay 30 thang 9nam 2016

MAU SO B 02a-DNPNT£JO'17 vj: VND

PH •.\N II: BAo cAo KET QUA HO~T DQNG KINH DOANH THEO HO.:\T DQNG

Chiti,u Ma ,6 Thuyll QuiJ nam 2016 QuiJ nam2m5 Luy II diunam din Luy kI diu ,am dinminh (ph,n In,i I,i) cuii quy3nOl6 cu6i quy 312015

(ph" lo,i I,i)1. Doanh Ihu phi bio hilm 21 113.712.661384 94.458.:15333 304.11l.058389 273,120.996.777(01=01.1+01.2-013). Phi bi, hilm g6c 1.1 1;1.499.283.083 84.371.;30588 32i.652529.174 2J5824799.965. Phi nh1fi tai bio hilm 1.2 8.477.470.776 5.386.661.074 22.452.443.176 21.204.172.469. Ting(~am) dV phong phi bao hilm gil va nhin tai bao 1.3 :2164.092.475 (4.694313.671) 43.992.914.561 (16.092.024.343)hilm2. Phi nhu\ll1g tai bao hilm(02=02.1.0;.2) 2 22 42390.584.671 52.083393.538 120.824,970.414 146,966.lI7.463. Ting phi nhugug tai bio hilm 2.1 !J.764.646.529 41.293AJ7.391 111.387.864576 121.719.634555. Tang (giim) dVphong phi nhugug Iii tao hilm 2.2 (625.938.142) (10.789.956.147) (3.437.105.838) (25146.482.908)3. Doanh thu phi bao hilm thuln (03=01.02) 3 71322.076,7lJ 42.l74.!2l.795 183.287.087,9)5 126,154.8793144. Hoa hlng nh"\llig t:li hio hilm vi ooanh thu khac 4 4.282.627.878 5.387.1$8.160 12.223.935.284 11.130.303.634ho!t dQng hinh doanh hao hi1m (04=01.1+04,2)

. Hoo h6ng nhugug Iii rna hi1m 4.1 4.154.577.514 5.365309.781 11.520.728.049 11.694.398.859

. Doanh Ihu khie ho?t dang kinh doanh bio hilm 4.2 128.0iO.364 21.788.379 703.207.235 35.904.775 :5, Doanh thu thuln ho!t dQng kinh doonh hin hilm 10 75,604.704.591 47,761.919,955 195,511.023.259 137.885.182,948(10=03+04)6. Chi boi thuimg (11.1-111) II 32.577.869107 22.702.18i.604 69.429.745.792 54691.677.883. Ting chi boi Ihuimg 11.1 32577.869.107 22.702.285.604 69.429.745.792 54.691.677.8837. Thu illi thuimg nhugug tii hio hi1m 12 15.410.449.058 7.941.879.712 21.151.368.628 16.425.560.1188. nng (giam) dVphong hoi Ihuang bic hi1m gic vi nhjn ]J 32.584.032.018 7.876.880.638 66.419.986.021 13.835.621.884TBH9. Tang (giim) dVphong boi thuang MUgug!Ai bio hilm 14 25.835.437.744 2.356.466.396 46.077.448.320 6.210.335.941

10, Ting chi bli Ihmg bio hilm 15 23 23,916,014.323 20.28Q820.134 68.620.914.865 45,891.403.708(15= 1I.Il+lJ.14)11. Tang (giam)dV phOng dao dQng 16n 16 942.121.04i 484.104.527 2.307.168.09, 1.278.477.92812. Chi Jhi khic ho?t d(,ng kinh doanh lao 17 24 48.990.269.216 27.940.630.055 124.214.126.80L 74.894.256.289hi1m(l7=17.1+171). Chi hoo hong bio hilm 17.1 i.603.943.16J 4.257.196.105 15.381.567.682 14.399.684.012. Chi phi khie ho?t dQng kinh doanh ba~ hilm 17.2 43386.326053 2J.683.B3.9iO 108.832.559.122 60.494.572.27713. Tlng chi phi ho!t dQng kinh doanh hao hi1m 18 73.848.404.584 48.706.154.716 195.142.209,763 122.064.137.925(18;15+16+17)14. 10nhu~n gQP ho!t dQng kinh domh bio hilm 19 1.756.300.007 (94t2J4.761) 368,813.496 15J21.045.023(19"10-18)

4

Bao cao tal chinh gili'a nlen u(\Cho kv hoat u(\ng 9 th{mg k~t thue ngav 30 thang 9 nam 2016

TONG CONG TV CO PH ..••.N BAO H1EM H..\NG KHONGrfing 15~toa nha GeleximcD, s6 36 Hoang ciuf)6ng f)a. Ha N(\i. CHXHCN Vi~t Nam .

BAO C~O KET QuA HO~T D<)NGKINH DOANH GIUA NIEN D<) (Ti~p theo)

Cho kj; hog! a(mg 9 thang kit thue ngay 30 thang 9 nlim 2016

MAu SO B 02a-DNPNTD(Jn vi: VND

PHAN II: BAo cAo KET QuA HO~ T DQNG KINH DOAI'iH THEO HO~ T DQNG (TI~p theo)

Chili,u Ma,i Thuyll Qui J nam 2OJ6 Qui J n3. 2015 Lal kl diu nam dl. L" k'di - d'D)' 'e ullam enminh (phin I'll 111) ,.il qupnOJ6 cu61 qui Jn015

(phin 101i111)18.Doanh thu h011dQngtii ,hlnh 23 25 10.165.248.840 I 1.021.!23.233 J 1.522.846.185 34.796.590,67619.Chiphi h011ding lai ,hinh 24 26 4.376.591.394 5,697323,817 6.561.728.132 16,669,860.31420.L9; nhu,n g9P hO!1d9ng Iii ,hi.b 25 5.78~657.446 5323.l99356 24.961.118.053 18.126,730362(25=23.24)21, Chiphi quan Ij doalh nghi~p 26 27 8.350,778,126 6.401316.550 23181.207.79' 21.321.202.11022.L9' nhu,n thul. tich.!1 d9.g kinh 30 (805,820,673) (2.021.551.955) 2.048,723.752 1l.626,573.27523, The nhip kha, 31 31.002169 21.713.107 105.861.066 41.22579824. Chi phi khac 32 37.081.951 (50.m.352) 44.17J.233 226.378.36325, L~ .huin khi, (40=31-32) 40 (6.079.682) 72.688.459 61.687.833 (185.152,565)26, Ting I~ nhuin kil.i. Irute thuf (50=30+40) 50 (811.900355) (1.94U63.496) 2.110.411.585 1l.441.420,7I027. Chi phi Ihul TNDKhi~n hanh 51 28 (217.519.836) (244,255.732) 347.081.141 2,911.090.15029, ~ nhui' sau Ihui thu .hip d"nh nghi~p (60=511- 60 (594380.519) (1.70H07.764) 1.763330.444 9,530.330.56051.52)

Nguy~n Thi Thu Hu'ongNgu'()'i I~p bi~u

HiI N(Ji, ngay 20 thang 10 nlim 2016

_G~Ngny~n Hoang MaiK~ toan tru-o'ng

5

Bao cao tal chinh giii'a nien OQCho k\' ho"t o(>ng 9 thang k~t tMc ngay 30 thang 9 nam 2016

TONG CONG TV CO PHA.N BAO HlEM HANG KHONGT~ng 15, toa nha Geleximco, 55 36 Hoang C~u!)5n~ !)a, Ha N(>i, CHXHCN Vi~t Nam

BAa cAa LUU CHUYEN TlEN TJ):GIUA NIEN DQCho £y ho~1 a9ng 9 thang kdt tlnic ngay 30 thang 9 nam 2016

Chi tieu Mli s6

MAu SO B 03a-DNPNTDanvj: VXD

Lii~'k€ til' l1~uDam d~ncu6i 9°\' 32016 2015

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98.586.004.940

(56.141.815.846)

154.727.820.786

(2.056.224.076)

(489.000.000.022)428.697.638.92223.077.000.313

(39.281.584.863)

335.047.135.327(302.380.127.915)(22.885.791.781)(7.274.972.676)9.645.711.156

(29.012.185.094)(16.860.230.983)

90.000.000.000(23.000.000.000)(26.000.000.000)41.000.000.000

(149.220.702.057)

212.146.243.133(278.541.004)

72.~'0

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(4.416.338.182)4.000.111

(531.919.609.827)546.654.251.93\20.434.916.32630.757.220.359

415.739.847. \96(328.836.070.618)(40.797.252.759)

\29.444.896.897(396.529.343.132)(220.977.922.416)

333436

212223242730

12356720

40

50606170

Nguy~n Thi Thu Hu'O'ngNgu'lri I?p bl~u

1. L~u chuyin tiin tfr ho~t i1Qn~kinh doanhI. Tiln thu tir ban hang, cung cip djch v~ va doanh tim khac2. Til, chi tra cho nguO'i cung cip hang h6a va djch \'\1

3. Tiln chi tra cho nguoi lao dQng5. Thu~ thu nh~p doanh nghiip d! n(lp6. Tiln thu khac tir ho"t dQng kinh doanh7. Ti/n chi khac cho ho"t dQngkinh doanhLflU chuyill tibr thu&n lit hog/ dpllg kinh doollhn. Luu chu)'~nti~n ttl' ho~t dQng (fAD tlrI.Ti/n chi di mua sfim, xay dVJg TSCEl va cae tai san dai h~n khac2.Ti/n tim tu thanh Iy, nhuqng ban TSCEl va cac tai san dai h"n kMc3.Ti~nchi cha vay, mua cae cong C\l ng CUi!. dan vi khac4.Tiin thu h6i cho vay, ban I"i eac c6ng e~ ng elia don vi khae7.Tiin thu Iai eho vay, e6 tlie \'a lqi nhu~n duge ehiaLllu ellUyln ti€n tllUrm tit itoFt ilrng dau IIIIII. Lu'u ehuyin ti/u tir' ho~t i1Qn~ti,; chiuh3. Ti/n thu tu di \~y4.Ti~ntra ng g6c vay6. C6 tlie, Igi nhu~ d. tra eho ehli sa hUuLlfu cituybl ti€nlituan lit 11011ilrng tai cillnit

Luu ehuyin tiin thuftn troni ky (50 = 20+30+40)

Ti~n\'3 tlro'ng dU'011g ti~ndau k)'Anh huang eua thay d6i t)' giaTiin va t~O'llg i1~o'ng tiin eu61 ky' (70 = 50+60+61)

HiJN9i. ngay 20 thang 10 nam 2016

6

TONG CONG TY CO PHAN BAa HIEM HANG KRONGT~ng 15, toa nhil Ge-leximco, s6 36 Hoang c~u BaD CaD {iii chinh giu'a DieD OQB6ng Ba. Ha NQi, CHXHC~ Vi~t Nam Cho ki' hoat aQng 9 (hang k€t thue ngay 30 thang 9 n~m 2016

THUYET MINH BAa CAO TAl cHlr.'H GlvA NIEN DQ MAU so B 09a-DNPNTCae thuyJr minh nay JQ I11QfC9 phgn h(Jp thanh va can QW;Jc d9C d6ng thai vai bao cao ted chinh giua nien d(J kCm thea

L THONG TIN KHAI QuAT

Hinh thu'c so' hll'U ,,6n

T6ng Cong ty c6 ?him Baa hi€m Hang khong Ia doanh nghi~p e6 phftn augc thanh I~p l?i Vi~t Nam theaGi~y phep thanh I;ip vii hoat aQng s6 49 GP/KDBH do BQ Tili chinh rip llin aliu ngily 23 thang 4 n~m2008 vii cae Gi~y phep ai€u ehinh. Thea Gi~y phep ai€u ehinh s6 49/GPDDCI5/KDBH, tit ngay 01thang 7 nam 2016, Cong ty c6 phlin Baa hi€m Hang khOng a6i ten thanh T6ng Cong ty c6 phlin Biw

hi~m Hfmg khong (gQi t~tla HT6ng C6ng ty"). V6n di8u l~ eiIa T6ng Cong ty t~ingay 30 thang 9 nam2016 lil500 tYVND.

T6ng s6 nhan vien eua T6ng Cong ty!;li ngay 30 thang 9 n~m 2016 Ii. 470 nguai (ngily 31 thang 12 n~m2015: 276 nguai).

LTnh v~'c kinh doanb

Linh v\fe kinh doanh eua T6ng Cong ty g6m kinh doanh djeh v~ bio hi€m vi kinh doanh djeh v~ taiehinh

Nganh ngh@ kinh doanh

Nganh ngh€ kinh doanh ehlnh eua T6ng Cong ty Iii kinh doanh djch ~ biw hi€m phi nhan thQ, caenghi~p ~ v€ tai baa hiem vii dliu lU till ehinh.

Cbu ky kinb doanh thOng tbuimg

Chu ky kinh doanh thong thuang cua T6ng Cong ty duge thl'e hi~n tmng thai gian khong qua 12 thang.

Cftn truc doanb nghlfp

T6ng Cong ty co tr~ s6 ehlnh d?t tai tling 15, Toa nha Geleximeo, 36 Hoang cliu, phuang 0 Chg DiIa,qu~n D6ng Ba, thilnh ph6 Ha NQi vii hai mum m6t (21) Cong ty lr\fc thuQe, baa g6m: Cong ty Baa hiemHilng khong Ha NQi, Cong ty Baa hiem Hang khong Thanh ph6 H6 Chi Minh, Cong ty Bilo hiem Hilngkhong Bil Nang, Cong ty Bilo hiem Hang khong Ngh~ An, Cong ty Bilo hi€m Hilng khong Hai Phong,Cong ty Baa hi/m Hang khong Hai Duong, Cong ty Baa hi€m Hang khong Tily Nguyen, Cong ty Baahiem Hilng khong Nam Himg Hi!, Cong ty Baa hiem Hang khong Th~ng Long, Cong ty Bilo hi€m Hangkhong Quang Ninh, Cong ty Baa hiem Hang khOng Dong Bo, Cong ty Baa hiem Hang khong QuangBlnh, Cong ty Bilo hiem Hang khong B~e Giang, Cong ty Bilo hie!l1Hilng khong Thanh H6a, Cong tyBaa hiem Hang khong Vinh Phue, Cong ty Bilo hiem Hang khong Binh Djnh, va Cong ty Baa hiem Hangkhong Bong Nam BQ, Cong ty Bao hiem Hilng Khong Sai Gon, C6ng ty Bao hi€m Hang khong KhanhHoa, Bao hiem Hang khong Nam Til)' Nguyen, S6 Giao dleh.

Thuy@t minh ,.S khli nang so sanh thong tin tren baa cao tai chinh gifra nien ali

s6 li~u so sanh ,ren Bang can d6i k@toan gifra nien dQ Iii s6 li~u cua baa cao tai ehinh eho nam tai chinhk€t tMe ngay 31 thang 12 nam 2015 dil dugc ki€m toano s6 li~u so sanh tren Baa cao k@tqua hoat dQngkinh doanh gifr, nien dQ va Baa eao luu ehuyen tib t~ giCianien dt) la s6 li~u cua bilo cao tili chinh giUanien dQeho k-y hoat dQng 9 thang k€t thuc ngay 30 thang 9 nilm 2015.

7

Baa eao tili ehinh gifi.• nien dQCho ky ho"t di)ng 9 thang kettMe ngily 30 tMng 9 nam 2016

TONG CONG TY CO PHAN R.\O HtEM HANG KHONGT~ng 15. toa nha Geleximco, 56 36 Hoang CfruD6n'g D~, Hil Ni)i, CHXHCN Vi~t Nam

THUVET MINH BAa CAO TAl CHfNH GIUA NIEN DO (Tiep thea) MAV SO B 09a-DNPNTCae thuyh mil1h nO')'Iii m(Jl DQph(in Ju;rplhanh n1 c6n au(J'c a.Qc dtmg thiri "m baa caD lai chinh giua nien 0(1 lim thea

2. CO SO L~P BAa cAo TAl CHiNH GIU A NIEN DO VA KY Kt TOAN

Co' sii'l~p baa cao tili ehloh giG.• nien d(l

Baa CaDtili chinh giira nien di) kern thea dugc trinh bay b~ng Dilng Vi~t Nam (VND), thea nguyen tilcgia g6c va phil hgp vai cac ehuAn m\lC ke toan, che di) ke toan ap d\ll1g cho cac doanh nghi~p baa hi€mVi~t Nam va cac guy djnh pMp l)i co lien quan d€n vi~c I~p va trinh bay baa cao tai ehinh gifta nien di).

Baa cao tili chinh gifta nien di) kern thea khong nh~m phim imh tinh hinh tili chmh, ket qua hoat di)ngkinh doanh va tinh hinh luu chuy€n tii:n t~ thea cac nguyen tic vil thong I~ k€ toan dugc chip nh~n chungbfi cae nuoe khac ngoai Vi~t Nam.

Ky k€ toan

Ky ke toan nam cua T6ng Cong ty bilt diiu til ngay 01 thang 01 vil ket thuc VilOngay 31 thang 12.

3. Ap DTJNG WONG DAN KE ToAN Mal

Ngay 21 tMng 3 nam 2016, Bi) Tili chinh d. ban hanh Thong tu 56 53/2016/TT-BTC ("ThOng tu 53")sua d6i, b6 sung mi)t 56 dii:u cua Thong tu 56 200/20 14/TT.BTC ngay 22 thang 12 nam 2014 cua Bi) Tilichinh huang diln che di) ke toan doanh nghi~p. ThOng tu 53 co hi~u l\lc cho nam tai ehinh bilt diiu VilOho~e sau ngay 01 thang 01 nam 2016. T6ng Cong ty d. ap d\ll1g ThOng tu 53 trong vi~c I~p va trinh baybaa cao tai ehinh gifta nien di) cho ky hoat di)ng til ngay 01 thimg 01 nam 2016 tm ngay 30 thimg 9 nam2016 eua T6ng Cong ty.

4. TOM TAT cAc cHiNH SACH Kt ToAN CHU YEV

Sau d2)' 13cae chinh 53ch ke toim chli y~u dugc T6ng Cong ty lip d\lng trong vi~c l?p baa cao Utichinh:

Uo'e tinb k€ toan

Vi~c I~p baa cao tid ehinh gifta nien di) lUim thu thea chuiln m\le ke toan, che di) ke toan ap d~ng eho caedoanh nghi~p baD hi€m Vi~t Nam va cac quy dinh phap l)i co lien quan den vi~c I~p va trinh bay baa eaotai ehinh gifta nien di) yeu c!iu Ban T6ng Giam d6c phai co nhfrng u~e tinh va gia dinh anb huang den 56li~u baa cao v~ (.ang ng, till san va vi~c trlnh bay cae khmin cong ng va tai san ti€rn tang t~i ngay l~p baacao tai chinh giira nien di) ding nhu cae 56 li~u baa eao vi: doanh thu va chi phi trong su6t ky hoat di)ng.M~c diI cae trae tinh k€ toan dugc l~p b~ng tilt ca S\l hi"u bi"t eua Ban T6ng Giam d6e, 56 th\le te pMtsinh co th€ khac vai cae uae dnh giil, djnh d~t ra.

Cong cl} tai chinh

Gizi Itlzplt bait dall

TiIi san tid chfn/1

Tai ngay ghi nh~ ban diiu, tai sim tai ehinh duge ghi nh~n thea gia g6c ci)ng cac chi phi giao djch co lienquan lr\lc tiep din vi~e mm silm tai sin tai chmh do.

Tai san tai ehinh ella T6ng Cong ty baa g6m ti~n va cae khoan tucmg duang tibn, cae khmin dftu tu nginhan va dai han, cae khoan phai thu khaeh hang, cae khoan phai thu khae, d\I phimg bili thuang nhugng taibilo hi€m va tai san tai chinh khac.

Tili theri di€m ngay 30 thang 9 nam 2016, T6ng Cong ty ehua xae dinh gia tri h91' l)i tai san tai cbinh cuaT5ng Cong ty do Chuftn mve k~ toan Vi~t Naill cling nha cae quy (lnh hi~n hfmh chua c6 huang d~n elfth~ v~ vi~c xac dinh ghi trj hqp I;':ella tai san tii chinh.

8

TONG CONG TY CO PIL.\N BAO HIEM H.•••.NG KHONGTilng 15, toa nha Geleximco, 56 36 Hoang cilu Bao eao titi ehinh giu-a n;en d(>D6ng Da, Ha N~,i, CHXHCN Vi~t Nam - Cho ky hoat d(Jng 9 tMn)! k~t thUe nga)' 30 thang 9 n~m 2016

THUYET MINH BAo c. •••O TAr cHiNH GrUA NIEN DO (Ti~p theo) MAU s6 B 09a-DNPNTCdc thuyil minh nay iiI mt?!b(Jph4n h(7p (himh va c6n au9'c a(JCaimg ihOi va; baa caD tai chinh giua /lien d(J kem theo

4. TOM TAT cAc CID/litI SACH Jet ToAN CHI') VEU (Ti~p theo)

Cong ev tili chink (Ti~p theo)

Glti "ltr." ba" d,)u (Tilp theo)

C6ng n9' fiJi c!tlnh

Tai nga)' ghi nhan ban dilu, eong nc;rtai ehinh duc;reghi nhan theo gia g6e e(Jng cae chi phi giao dieh e6lien quan t'Ve ti~p d~n vi~e pMt hanh eong nc;rtai ehinh d6.

Cong n~ tai ehinh eua T{mg Cong t)' bao glim ea~ khoan va)', pMi tra ngumban va pMi tra khae va d\lphong hoi thubng bao hiem goc va nh~ntai baG hiern.

fJa,,1t gia '(Ii sau ,,),, glti nltr." ban d,)u

Hi~n tai, chua e6 qu)' dinh v€ danh gia lai eong eu tili ehinh sau ghi nhan ban dilu.

Ti~n va cae khoan to'o'ng dU'lmg ti€n

Ti€n va ,cae kho.an luang duang ti~n bao glim ti~n m~t tai quy, cae khoim ti~n giri kh6ng Icy han, caekhoan dilu lu ngoo han e6 kha n~ng thanh khoiln eao, dil dang ehu)'iln d6i thanh ti€n va it rui TO lien quanden vi~e bien d(Jng gia tti.

Cae khoan dilu to' tili chinh

Cll/ing kltoan ki,,1t doanlt

Chirng khoan kinh doanh lil cae khoan ehirng khoan duge T6ng Ci'mg ty n~m gift vai mue dieh kinhdoanh. Chirng khmin kinh doanh duc;reghi nhan b~t dilu tir nga)' T6ng Cong ty e6 qu)'~n sir hfru va dugexae dinh gia tri ban dilu theo gia tri hqp Iy eua cae khoan !hanh toan t;li thiYidi~m giao dieh pMt sinhe(Jng cae chi phi lien quan d~n giao dieh mua ehirng khoan kinh doanh.

Tai cae kj k~ toan ti~p theo, eae khoan dilu tu ehirng khoan duge xae dinh theo gia g6e trir cae khoangiam gia ehirng khoan kinh doanh.

D\I phong giam gia ehirng khoan kinh doanh duc;retrieh laP theo cae qu)' dinh k~ toan hi~n hanh.

Cdc khoiin ildu til' 114m gia- dillllgiIy dao "{Ill

Cae khoan dilu ill nAm gifr d~n nga)' dao han bao glim cae khoan dilu tu rna T6ng Cong ty e6 y dinh vakha nang gill dfu nga)' dao han. Cae khoan dilu lu n~m gill d~n ngl)' dao han bao glim: cae khoan ti~ngiri ngan hang co ky han (bao glim ca cae 10ai tin phi~u, ky phi~u), trai phi~u. va cae khoan dilUtu n~mgilt d~n nga)' dao han khae.

Cae khoan dilu ill n~m gill d~n nga)' dao han duge ghi nhan b~t dilu tir ngay mua va duc;rexae dinh gia triban dilu theo gia mua va cae ehi phi lien quan d~n giao dieh mua cae khoan dilu lu. Th~ nhaP liii tir eaekhoim d~utu nAm gili dSn ngay dao h~nsau ngay mua dugc ghi rJ1~ntren Bao eao k~tqua ho?t dQngkinh doanh gifra nien di) tren CO' sir d\l thu. Lai duc;rehUCrngtrlIae khi T6ng Cong ty n~m gill duc;reghigiam ttir vao giz g5c t?i thai dj~mmua.

Cae khoan dilu tu n~m gill dE'nngay dao han duge xae dinh theo gia g6e tril di d\l phOng phai thu kh6dili.

D\I phOng phai tim kho doi eua cae khoan dilu tu n~m gill dE'n nga)' dao han du,!e trieh lap theo cae qu)'djnh kE'toan hi~n hanh.

lJliu tu vao cong ql win cila dOll vi kltdc

D~uill VaG cong CI) v5n eua don vi khac pharr{mh cae khoan d~utu. cO,ngC\l v5n nhung, T6ng C6ng tykhong co quy~nkiSm soat~d6ng ki€m soat ho~cco flnh huang dang ke d6i vai ben dugc dau til.

Khoan dftu tu vao cong C\l v5n cae don vi khac dUQ'cpharr anh thea nguyen gia tru cae khoan d\I phonggiarn gia dAu tt:.

9

TONG CONG TY CO pKAN B.4.0 IDEM HANG KHONGTiing 15, toa nM GeleximeD, s6 36 Hoang cliu Baa cao tal ehinh giii'a nlen oQD6ng Da. Ha N(Ji, CHXHCN Viet Nam Cho k\' ho"t o(mjr 9 thilng ket tlnie ngay 30 thang 9 nam 2016

THUYET MINH BAo cAo TAl CHiNH GnJA NltN DO (Ti~p thea) MAu SO B 09a-DNPNTCac tlntyJ, minh ncry lG 1110109 ph4n hrlP rhanh va cdn aU(Jc a(Jc c16ng th&i vol bao cao tal chfnh giiia niel1 Q9 kem thea

4. TOM TAT cAc cHiNH sAcH KE ToAN CHU YEU (Ti~p thea)

NQ'pha; thu

Ng phai thu la s6 ti,jn co the thu h6i eli. khaeh hang hoae cae a6i tuqng khile. Ng phili thu auge trinh baythea gia trj ghi s6 trir al cae khoim d\! phOng phai thu kh6 doi.

D\! phong phai thu kh6 doi auge trieh laP eho nhung khoan ng phili thu aa qua h"n thanh toan til sauthang trir len hoae cae khoan ng phili thu rna ngual ng kh6 co kha nang thanh toan do bi thanh 1y,phil sanhay cae kh6 khan tuang 1\1'.

Till san e6 djnh him hlnh vii kh;\u hao

Tai san e6 djnh h"" hlnh dU<;Tetrinh bay thea nguyen gla trir gia tri haDmon liiy k~. Nguyen gia tili san e6djnh hfru hlnh baD g6m gia mua va toan bli cae chi phi khae lien quan lr\fe ti~p den vice dua till siln vaotr£lngthai s~n sang sir d\mg.

Tai san e6 ainh hfru hlnh aU<;Tekh:lu hao thea phuang philp auang th~ng d\!a tren thai glan hfru dVng uaetinh, C\l th@nhu sau:

Phuang tien Vantill

Thiet bi van phOng

Tid san c6 djnh v6 hloh va khAn haa

Tir ngily 0110112016o~n ngilv 30/9/2016

(Nam)8

3 - 5

Tai san e6 djnh vo hinh dU<;Tetrinh bay thea nguyen gla trir gili tri hao mon liiy k~. Tal san e6 dinh vohinh la phlin m,jm may vi tlnh. Phiin m,jm may Hnh dU<;Tepharr b6 vao chi phi thea phuang phap duangthing d\fa tren thti gian hfru d\lng uae tinh Iii 5 nam.

Ngo"i t~

T6ng Cong ty ap dVng xu Iy ehenh lech tY gla thea huang dlin elia Chu:ln m\!e ke toan Viet Nam s6 10(VAS 10) "AM huang elia yiee thay d6i ty gia h6i doal". Thea d6, cae nghleP vv phat sinh b~ng ngo"i teauge ehuyen a6i theo ty gia t;ti ngay phat sinh nghieP Y\l. s6 du cae khoan mve tibn t~ e6 g6e ngo,,1 te t"ingay k@tthUeki k@lOan aU<;Teehuybn a61 theo ty gia t"i ngay nay. CMnh leeh 1)' gia philt sinh dU<;Teh"ehtoan vao Bao eao k@tqua ho"t aling kinh doanh giua nien dQ. Lal ehenh leeh tY gia do danh gia I"i cae 56du t"i ngay ket thue ki ke toan khong dU<;Tedung de ehia eho e6 dong.

Cae tilloan dl! phOng pha! tra

Cae khoim d\! phimg phili tra aU<;Teghi nhan khi r6ng Cong ty co nghTayv ng hien t"i do ket qua til mlits\! kien da xay ra, va r6ng Cong ty e6 kha nang phai thanh toan nghia vv nay. Cae khoan d\! phOng dugexae djnh tren ca sir uoe tinb elia Ban T6ng Giam d6e y,j cae khoan chi phi dn thiet de thanh toan nghiaV1,1 ng nay t"i nga)' k~t thile ky kb toano

10

TONG CONG TY CO PH ..••.N BAO HIEM HANG KHONGTang 15, [oa nha Geleximco, 56 36 Hoang C~u Bao dio tili chinh gifrll nien oQD6n? Da, Ha N(\i, CHXHCN Vi~t Nam Cho k)' hoat d(\np;9 thangk~t thUc ngay 30 thang 9 nam 2016

THUYET MINH BAO cAo T ..••.I CHiNH GIl) A NIEN DO (Ti~p theo) MAu SO B 09a-DNPNTCac tl1uytl minh nay IGmQ! 69 phlj11 Iu;:p thanh va cdn QU{Ycarc d6ng thui v6'i baa :-60 tili chinh giiia nien ao kem theo

4, TOM TAT cAc cHiNH SACH KE TO AN CHU YEU (Ti~p theol

DI;I' phong nghi~p V1}

T6ng Ccng ty da lh\lc hi~n I'i~e trieh I?p d\l phOng nghi~p 1'\1theo quy dinh tai Di~u 96 Lu?t Kinh doanhBao hi~m va Nghi dinh 56 46!2007/ND-CP ngay 27 thang 3 nam 2007 eua Chinh phu, Thong tIr 56125!2012/TT-BTC do B(\ Tai ehinh ban hanh ngay 30 thang 7 nam 2012 va ThOng ill 56 232!2012/IT-BTC do B(\ Tai ehinh ban hanh ngay 28 thang 12 nam 2012, thea do:

DI! phong phi chra au(!c htrimg: D\l phbng phi g6e va nh?n tai bao hi~m ducle tinh bing 25% phi baohi~m g6e va phi "han tai bao hi~m trir di cae khoan giam trir phi bao hi~m g6e va phi nhan tai baa hi~md6i vai cae loai hinh baa hi~m v?n ehuy~n hang hoa va bing 50% d6i vai cae loai hinh bao hi~m khae.

D\l phbng phi nhm;mg tai bim hi~m duge tinh bing 25% phi nhuqng tai d6i vai cae loai hinh baa hi~mVanehuy~n hang hoa va bing 50% d6i vai cae loai hinh baa hi~m kh<ic.

DI! phong b6i thro-n$: D6i.vOi cae tb~thilt.da thong baa, duge T6ng Ccng ty th\le hi~n t:feh I?p theaphuong phap timg ho sa doi vai cae ton that thu(\e pharo vi baa hiem kMeh himg da khieu nai nhungchua giai quy~t. Mire trich l?p d\la tren uae tfnh t6n thit phat sinh, baa g6m phin traeh nhi~m eua TbngCong ty va phin pMi thu do i nha tal.

Dbi vOi cae tbn thdt da phat sinh thu(\e traeh nhi~m bim hi~m nhung khaeh hang chua thong baa (lBl\TR),T6ng Cong ty trich I?p d\l phOng b6i thuemg g6c va nh?n tai bao hi~m thea tY I~ bing 3% doanh thu phibaa hi~m g6e va phi nh?n tai baa hi~m d6i vai tirng nghi~p 1'\1bim hi~m, d\l phimg b6i thuemg nhuqngtai bao hi€m thea tY l~ bing 3% phi nhuqng tai baa hl~m theo tirng nghi~p 1'\1baa hl€m. Phuong pMptrich I?p d\l phOng b61 thuimg dbi 1'0-1cae tbn thit da phat sinh thu(\e trach nhi~m baa hl~m nhung khaehhang chua thong bao da duge B(\ Tal ehinh chip thu?n tal Cong van sb 112IIBTC-QLBH ngay 22 thang01 nam 20 13 v~ "I~e dang ky phuong phap meh I?p d\l phOng nghl~p 1'\1.

DI! phong dao a(mg I&n:Mirc trich d\l phOng dao d(\ng 160 duge ap dVng thbng nhit d61v<'licae loai hinhnghi~p vv la I% phi piii lai va dugc trich cho d~n khl bing 100% phi g.lii lai da dugc B(\ Tai chinh chipthu?n tal Cong van so 112IIBTC-QLBH ngay 22 thang 01 nam 2013 ve vi~c dang kYphuong pMp trichl?p d\l phOng ngti~p vv.

Ngay 28 thang 12 nam 2005, B(\ Tili ehinh ban hanh Chuin m\lc K~ toan Vi~t Nam 56 19 "Hgp d6ng Baohi€m" kern thea Quy~t dinh sb 100!2005IQD-BTC ap dVng tir nam 2006. Theo quy dinh eua chuh m\lcnay, tai th"i di€m I?p Bao eao tai chinh, doanh nghi~p baa hi€m khcng duge trich I?p eac 10al d\l phongd€ b6i thuemg trong lUong lai n~u cae yeu du doi b6i thuemg phat sinh tir cae hgp d6ng nay khong t6n taitai th"i di~m khoa sb I?p Bao cao tai ehinh, trang d6 bao g6m ca d\l phimg dao d(\ng 160. Tuy nhien, theaNghi dinh ,6 46!2007/ND-CP do Chinh phu ban hanh ngay 27 thang 3 nam 2007 va Thong ill 56125!2012ITT-BTC do B(\ Tal ehlnh ban Mnh ngay 30 thang 7 nlim 2012, cae doanh nghl~p baa hi€m viinphal trieh I?p d\l phOng dao d(\ng Ian.

Tbng Ccng ty khcng dugc biJ tm cae khoim d\l phOng eho hoat d(\ng kinh doanh bao hi€m g6c va nh?ntai bao hi€m voi d\l phong cho hOat d(\ng nhuqng tai baa hl€m. Cae khoan d\l phimg nay pMi duge trinhbay rlong bi~t tren eac chi lieu cua Bang can d6i k~ toan giiia nien d(\, trong do cae khoan d\l phong phichua augc huang va d\l phong b6i tllUemgcua hoat d(\ng kinh doanh bao hl€m g6c va nMn tai baa hi€m,d\l phbng dao dQng 160 dugc phan anh la ng phai tra; d\l phbng phi nhuqng tai bao hi€m chua dugehu60g va d\l phong b6i thuemg nhugng tal baa hi~m dugc phan anh lil tai san tal bao hi€m.

K)' quy baa hi~m

Tbng Cong ty ph.i ky quy bao hi~m bing 2% v6n phap dinh. khoan ky guy nay duge hu60g lal thea thoathu~ vOi ngan hang noi k~' guy va dUQ"cthu h6i khi chim dill hO{lt dQng. Ti~n k)' quy chi duqc sir dl,mga€ dap irng cae cam k~t d6i vai ben mua bao hi~m khi kha nang thanh toim bi Thi~uhvt va phai duqc B(\rai ehinh chip thu?n bing van ban.

11

TONG CONG TY CO pHAN BAa HI EM HANG KHONGTimg 15, toa nha Geleximco, 56 36 Hoang du Bao cao tili chinh giu'a nien d(lD6ng Da, Ha Noi, CHXHCN Vi~t Nam Cho ky hO\Itdon!, 9 thang k~t thUc ngay 30 thang 9 nam 2016

THUYET MINH BAa cAo TAJ cHiNH GIUA NIEN DQ (Ti~p theo) MAu SO B 09a-DNPNTCae thuyh mil1h nay lG mOl b(5 phQn h9'P themh va c6n aur;c G9C a6ng thai vai bao cao (ai chinh giim nien do kern theo

4. TOM TAT cAc cHiNH SACH KE ToAN CHU YEU (Ti~p theoj

Ghi nh~n doanh thu

Db; Veli Ilghi~p V{lbao hiim gbc

Doanh thu phi bilo hi~m g6c dugc ghi nh~n theo quy dinh t\Ii Thong tu 56 125nO 12/TT-BTC do Bo Taichinh ban hanh ngay 30 thang 7 nam 2012 va Thong ttl 56 194/20 14/TT-BTC do Bo Tai chinh ban hanhngay 17 thang 12 nam 2014 v€ sira d6i, b6 sung mot 56 di€u cua Thong ttl 125. Cv th€, doanh thu phi bilohi€m g6c dugc gill nh~n khi dap img cae di€u kien sau: (1) hqp d6ng d. dugc giao k€t gifla doanh nghiePbilo hi€m va ben mua bilo hi€m va (2) ben mua bao hi€m d. tr:i phi bao hi€m hoac co thoa thu~ cho benmua bilO hi€m nQ phi bilo hi€m nhung khOng qua 30 ngay k€ tit ngiJy hqp d6ng bao hi€m co hieu Il'c,Rieng khoan phi bilO hi€m cua ky dong phi bao hi€m dftu tien (d6i vo; truimg hqp dong phi theo ki')dugc h\Ich toan khi hqp d6ng bilo hi€m co hieu Il'e,

J)6i viii Ilg1li?p v¥ /iii bao 1Ii111l

Doanh thu phi nh~n tli bao hi€m dugc ghi nh~ khi pMt sinh traeh nhiem, theo 56 pMt sinh dl'a trenbang thong bao tal bao hi€m eua cae nM nhuqng tli bilo hi€m giri eho T6ng C6ng ty va dugc xac nh~biri T6ng Cong ty.

T6ng Cong ty ghi nh~n phi nhuQl1g tai bao hi€m tren co sir 56 phi pMi nhuqng cho eac nha tai bilo hi€m,ttlang img vai doanh thu phi bao hi€m g6e d. ghi nh~n trong kyo

Doanh thu hoa hOng nhuqng tai bao hi€m duge gbi nh~n d6ng thai vai phi nhuqng tli bao hi€m pMtsinh. Trang nam, toan be>doanh thu hoa h6ng nhuqng tai bilo hi€m dugc philn anh vao khoiln mvc"Doanh thu hoa h6ng nhuqng tai bilo hi€m". Cu6i ky k€ toan, T6ng Cong ty phai xae djnh doanh thu hoah6ng nhuqng tai bao hi€m chua duge huirng tuang img vai khoan phi nhuqng tai bilo hi€m chua dugcghi nh~n trong ky d€ ehuy€n sang phan b6 vao cac ky sau theo ty Ie 25% d6i vai 10\Iihinh bao hi€m viJnehuy€n hang hoa va 50% d6i vai 10\Iihlnh bao hi€m khac.

J)6i vlio; cae 1Io~t rt{illg k1lac

Doanh thu tit cae ho"t de>ngkhac cua T6ng Cong ty nhu lai ti€n giri ngan hang, cb phi€u, trai phi€u, dugeghi nhiin khi phat sinh.

Ghi nh~n chi phi

Chi phi bbi thuang bao hi€m g6c dugc ghi nh~n tren ecr sO phat sinn khi Tbng Cong ty ehi.p thuiJn b6ithuimg theo thong bao b6i thuang.

Cae khoim chi b6i thuirng nhiJn tai bao hi€m duge ghi nh~ khi phil sinh, tren co sir bang thOng bao taiella cae nha tai bED hi8m gui cho T6ng Cong ty va Tdng C6ng ty chap thu~ b6i thuang.

Cac khoan thu doi b6i thuimg nhuqng tal bao hi€m dugc ghi nhiJn tren ecr sir pMt sinh theo 56 phai thuwang frng v6i chi phi b6i thubng di! ghi nh~n trong nitm va 1)' I~ nhuyng tai.

Chi phi hoa h6ng bao hi€m va cac chi phi khac duge ghi nhiJn khi th\ICt~ phat sinh. Trang kY, lOan bo chiphi hoa h6ng g6e va nhiJn tal bao hi€m duge phan anh vao khoan mvc "Chi phi hoa h6ng bao hi€m g6c"va "Chi phi hoa h6ng nhiJn tai bao hi€m". Cubi k)' k~ toan, Tbng Cocg ty phai xac dinh chi phi hoa h6nggbe va nhIJn tai bao hi€m chua dugc tfnh vaG chi phi ky nay ttlang ling vo; khoiln phi bao hi€m g6e vanh~n tii bilc hiem ChlI8 dlIgC huang ky nety de chuy6n sang phfm b3 vao cac k)' ke toan sau thea cy l~25% d6i voi lo~i hinh bao hi€m v~n chuy~n hang h6a va 50% d6i voi lo~i hinh bao hiem khac.

Cac chi phi khiie dugc ghi nhiJn khi thl'C t~ phat sinh.

12

TONG CONG TY CO pHAN BAa RIEl\'! HANG KHONGTing 15, toa nM Geleximca, 56 36 Hoang citu Baa cao tai chinh giii'a nien di)D6ng £la, Ha N(ii, CHXHCN Viet Nam Cho k\ hoat dong 9 thang ki!t thuc ngav 30 thang 9 nam 2016

THUYET MINH BAa cAo TAl CHiNH GIO'A NIEN DO (Ti~p thea) MAu SO B 09a-DNPNTCae thu)'tf minh nay la 1JJ(J' 09 piujn Iwp thanh l'a can GZt(JC Q9C d6ng thai v&i bao cao tai chinh gifi'a nfen a(J kern thea

4. TOM TAT cAc CHfNH sAcH KE TO AN CHi) YEU (Ti~p thea)

Thui!

Thui! thu nh?p doaOOnghieP thi! hien t6ng gia tri cua 56 thui! pMi tra hien t?i va 56 thui! hoan I?i.

S6 thui! phai tra hien t?i du,!c tinh d\fa tren thu nh?p chiu thui! trong kyo Thu OO?Pchi" thui! khac vai I"iOOu?n thuin du,!c trinh bay tren Baa cao ki!t qua ho?t d(ing kinh doanh gifta nien d(i vi thu nh?p chi"thui! khang baa g6m cac khoan thu nh?p hay chi phi tinh thui! hOac du"c khftu trir trang cac ky khac (baag6m di 16mang sang, n~u c6) va ngoai ra khong baa g6m cae chi tieu khong chju thu~ ho~c kh6ng duQ'ckh:lu trir.

Thui! thu nh?p hoan I?i du,!c tinh tren cac khaan chenh Iech gifta gia trj ghi 56 va ccr sa tinh thui! thunh?P cua cac khoim m\Jc tai san hOac cang nqtren baa caa tai chinh gifta nien d(i va du"c ghi OO?ntheaphuang ph:\p Bang ciln d6i ki! toan. Thui! thu nh?P haan I?i phai tra phai du,!c ghi nh?n cho tit ca cackhaan chenh Iech l?m thlYicon tai san thui! thu nh?p haan I?i chi du"c ghi OO?nkhi ch~c chan c6 du Iqinhu?n tinh thui! trang luang lai di! khftu trlr cac khaan chenh Iech t?m thlYi.Trang ky, do khang c6 cackhaan cheOOIech t;un thlYitr9ng yi!u naa nen T6ng Cang ty khang phan anh khaan thui! thu OO?PdoaOOnghieP haan I~i naa tren baa caa tai chinh gifta nien d(i nay.

Thu~ thu nh?p haan I~i du,!c xac djnh thea thui! suftt d\f tinh so ap d\Jng cha k1 tili san du,!c thu h61 haynil' phai tra duqc thaOOtaan. Thu~ thu OO?Phaan I?i duqc ghi nh?n vila Baa caa ki!t qua ha?t d(lng kinhdaanh gifta nien d(i va chi ghi vao v6n cM sa hfru khi khoan thui! d6 c6 lien quan di!n cac khoan mucdugc ghi th&ng vaa v6n chti sa hihl.

Tili san thui! thu OOaPhoan I?i va nil' thui! thu nhaP haan Ial phal tra duqc bu trir khi T60g Cang ty c6quy€n hqp phap d€ biJ trir gifta tai san thu~ thu nhaP hien himh vai thu~ thu OOaPhien Moo phal n(ip vakhi cac tai san th"~ thu nh?P hoan lai va nil' thu~ thu OOaPhaan I?i pMi tra lien quan tai thu~ thu OO?PdaaOOnghieP dugc quan 19bai cung m(it ccr quan thu~ va T6ng Cang ty c6 d\f djnh thanh to.an thu~ thuOOaPhien Mnh tron C(1 sa thuftn.

Viec xac djnh thui! tim nhaP cua T6ng Cang ty can Cll vaa cac quy dinh hien haOOv€ thu~. Tuy OOien,OOfrngquy dinh r,ay thay d6i thea timg thlYik)' va viec xae djnh sau cung v€ thu~ thu nhaP daanh nghiePilly thu(ic vao k~t qua ki~m tra cua ccr quan tbu~ c6 th:lm quy€n.

Cac loal thui! khac duqc ap d\lllg thea cac Iu?t thu~ hien hanh t?1 Viet Nam.

5. TIEl" VA cAe KROAN TU'ONG mfONG TIEl"

Ti€n mat tai quyTi6n glii ngan hangTi~n dang chuy~nCac khaan lUang duang ti~n (i)

s6 cu6i qui'VND

1.356.443.10961.191.828.324

98.728.639

62.647.000.072

s6 dftu namVNO

813.983.12296.332.260.011

115.000.000.000212.146.243.133

(i) Cae khoim tuong duang tiSn 18ti~n gui co k-y h~n g6c kh6ng qua 3 thang k~ ill ngay diu tu t<;li caengan hang thU"{mgm~i trong nuac.

13

MAv s6 B 09a-DNPNT

B:io colo b\i chinh giuoa nicn (10Cho ky ho~t dilng 9 thang ket thue ngay 30 thang 9 oam 2016

TONG CONG TV CO pHAN BAo HI EM HANG KHONGTling 15, toa nha Uelexlmeo, s6 36 Hoang cliu, D6ng DalIa Nili, CHXHCN Vi~t Nam

TIIVVET MINH BAo cAo TAl cHiNH GluA NIEN Dc) (Ti~p theo)Cae thuydt min!J nay IiI m(jt b(Jph';n hvp thimh va can auvc dQc a6ng thir; va; baa cuo liii chinh gii'i:a nien do khn theo

6. cAc KHOAN DAv TV' TAl CHiNH

D~uhr ng~nh~na) Chu'ng khoan kinh doanh- T6ng gia trj c6 phi@ub) Dliu tlT ngin h~n nim giif a~n ngily aao h~n- Tien girl co 1.-yhan ngan han (i)- Tnli phleu (iii)

30/09/2016 31/12/2015Gill gGe Du' phimg Gia gOe Du' phong

VND VND VND VND318.961.028.707 (2.254.055.803) 296.518.665.960 (5.060.825.867)37.961.028.707 (2.254.055.803) 34.518.665.960 (5.060.82S.867)37.961.028.707 (2.254.055.803) 34.518.665.960 (5.060.825.867)281.000.000.000 - 262.000.000.000245.000.000.000 262.000.000.00036.000.000.000

Dliu tlT dili h~na) Dliu tlT dai h~n nim giii' i1~n ngily aao h~n- Tian giri co ky h~n dai h~n (ii)- Tnli phi~u (iii)

197.563.640.0692.000.000.0002.000.000.000

227.990.000.000226.000.000.000190.000.000.00036.000.000.000

b) uliu ttl' gop viln vilo i1o'n vi khae- Dliu tu vao don vi kIlae (iv)- Cae kho,," dliu tu khae (iv)

195.563.640.0691.990.000.000

193.573.640.069

1.990.000.0001.990.000.000

(i) Phan anh cae kIloan tian giri co thili h~n gbe tren 3 thang va thili gian dao h~n con I~i den 12 thang ke tir ngay I~p bao cao tai ehlnh t~i cae ngan hang t!urongm~i trongmrac.

(ii) Phan anh cae khoan tian giri co ky h~n t~i cae ngan hang TMCP trung nuac vai ky han con I~i tren 12 thang ke til thili dialll bao cao.

(iii) Bao g6m khoan dliu tu vao trai phieu T6ng Cong ty Lip may Vi~t Nam vai lIl~nh gia 36.000.000.000 VND, thili h~n 10 n~lIl. Tnli phii\u dao lwn tai ng,iy 06thang 6 nam 2017, liii suat danh ngh!a 9,2%/nillll.

(iv) The hi~n khoim gop v6n thanh I~p Cong ty C6 phlin Song Da Tay Do, s6 tian 1.990.000.000 VND (ty l~ so huu tuong duong 3,3% v6n diau 19) viri thai Iwnnfrm gifr tren 01 nam va khoan dliu tu mua 2.751.000 eb phl~u OTC eua T6ng Cong ty cb phlin Co di9n Th6ng Nhat v"i 56 tian 134.860.850.069 VND; khoandliu hr mua 1.276.365 c6 phi,ju OTC cua C6ng ty CP Armephaeo val s6 tian 58.712.790.000 VND.

T~i ngay 30 thang 9 nam 2016, T6ng C6ng ty chua xac djnh gia tri hqp 1)'ella die khorm dau tu tai chfoh do Cllllfln mvc k~ toan Vi~t Naill cfing nhu die quy djnh hi~11htmh chua c6 huang dfin qt th@v~ vi~c xac djnh gift trj hgp ly ella cac khoan dfru tu Uti chinh.

16

TOKG CONG TY CO PH AN BAo mEl\I HANG KHONGT~ng 15, toa nhil Geleximco, 56 36 Hoang dn Bao cao tai chinh giii .• nien aliD6ng Da, Hi! Noi, CHXHCN Viet Nam Cho ki' hOet aon¥ 9 than¥ k~t thuc ngay 30 thang 9 nam 2016

THUYET MINH BAO c..i.o TAl CHINH GIU'A NIEN flO (Ti~p theo) MAu so B 09a-DNPNTCdc thu.vtf minh nay la flU)! b(Jp!ujn IUJp thimh va can aur;rc arc i16ng rh&i ,,6'1baa cao fai c11il1hgiiia nien 0(>kblllheo

7. PHAI THU VE HQ'P flONG BAO HtEM

s6 cu8i qui' sA dftu namVND VND

a)Phai thu phI hao hi~m gile 23.<144.993.752 43.783.748.704Trang d6:- Phai thu ella ben mua bac hi~m 18.514.333.769 14.120.199.858- Phai thu ella cae doanh nghieP d6ng bilo hi~m: 4.530.659.983 29.663.548.846

+C6"g ty bao hidm PVJ 3.835.764.093 29.050.314.098+C6ng ty bao hidm khac 694.895.890 613.234.748

b)Phai thu ho~t agng nh~n tai bao hi~m 16.873.245.125 12.559.434.710e)Phai thu ho"t d'ing nhlfQ1lg tai bao hi~m 18.551.726.392 20.894.249.464d)phai thu hai th~lrng tif cae doanh nghilp diJog bao i59.793.160 1.473.338.932e)Phai thu khae 663.731.881 597.346.639

59.893.490.310 79.308.118.449

8. PHAI THU KHic CVA KHACH HANG

sA cu6i quy s6 ltftu namVND VND

Phili tim liii ti~n giri tei cae t6 chire tin dung chua d~n ngay 17.855.827.775 18.731.541.665Gao henPhai thu lai trai phi~u r6ng Cong ty Lilp may Viet Nam 1.313.360.812 1.876.800.000

Phai thu g6c valai trai phi~u COng ty C6 Ph~n Song Da- 46.662.595.121 46.662.595.121Thang Long (i)Phili thu khac 926.157

65.831. 783. 708 67.271.862.943

(i) Th€ hien khoim g6c va liii phili thu cua khoim d~u tu trai phi~u Cong ty c6 ph~ Song Da - ThangLong, trai phi~u co thiJi hen 3 nam, bilt dliu tif ngay 19 thang 10 nam 2009 va dao h~n vao ngay 19 tMng10 nam 2012. Timg mlnh gia ban alia cua 56 trai phi~u nily lil50.000.000.000 \'NO. Tei ngay 30 tMng 9nam 2016, T6ng Cong ty chua thu h6i dugc khoan tibn g6c villai v6i gia trj llin luQ'lla 30.251.110.969VND va 16.411.484.152 VND. T6ng Ceng ty aa trich I~p dlf ph6ng phai thu kho dbi theo quy d,nh teiThong tu 56 228i2009fTT-BTC do B(\ Tili chinh ban hilnh ngily 07 thang 12 nam 2009 vb viec huang dfuJch~ d(\ trich I~p va 5ir d\lng cac khoan dlf ph6ng (Thuy~t minh 56 10).

17

TONG CONG TY CO PRAN BAO HIl~M fLi.NG KHO!\GT~ng15. toa nhil Geleximco. s6 36 Hoang Cfru Bao CaD tai chinh giu'a nien dQEltmg El~.Ha Nili. CHXHCN Vi~t Nam - Cha kv haat dong 9 thang k~t thUe ngay 30 thang 9 n~m 2016

THUYET MINH BAo CAO TAl CHiNH GIUA NIEN DQ (Ti~p thea) MAD SO B 09a-DNPNTCae thuytt minh nay la 11191 b9 ph(m h'1Pthanh va cdn aU(Jc a(Jc t/6ng thIYival bao CaD rai chinh giiia nien d(1 kem theo

9. cAc KHOAN PHAI THU KHAc

a) Ngin h~nK)' eu9C.k)' qui' ngimhan• C6ng ty c6 phdn chung khod" sai G6n-Ha N(Ji (ij- Ong Le Minh Th6ng (ii)- KhdcT~m(mg cho can bQKhacb) Dili hanKy qui baa hi6mciun c6, k1quy. kj' euqc kbac

s.i cutii quyVND

247.358.402.527240.055.391.49190.00-7.000.000

150. OO?,000. 00055.391.4916,S{)6.492,734396.518.302

9.110.097.1127,000,000,0002,110.097.112

256.468.499.639

s6 diu namVND

1.407.535.64253,000.000

53.000.0001.006.157.665348.377.977

7.179.875.9286.000.000.0001.179.875,9288.587.411.570

(i) Tb~ hi~n khoful d~t c"c con lai cha Cong ty c6 ph/m Chung khaan Sai Gon - Ha Noi thea Hqp d6ngmoi gicri tnii phiiu s6 01.2016/MGTPlVN1-SHS c6 thai han tir ngay 29 thang 4 n~m 2016 d6n ngay 31thang 12 n~m 2016, phi giu CQC Ia 8,5%/n~m tren t6ng s6 li';n th\Tcgift.

(ii) Th'; hien khoim d~t CQC cha ong Le Minh Th~ng thea ThOa thu~n tim ki~m trv scr V~n phong 560112016/TTElCIVNI-LE MINH THANG vcri IhOi han tim ki~m dia di6m trv sat6i da d~n ngay 31 thang12 n~m 2016. Khaan d~t c"c nay kbOng c6 tai san dam baa hay ngh!a Y\l baa lilnh nao tu ong Le MinhTh~ng.

18

T()NG CONG TV CO pHAN uAo HIEM HANG KHONCTftng 15, toa nhft Gelcximco, s6 36 Hoang Cftu, D5ng Da Bao cao tai chinh giiht niell iJi}Hil Nqi, CHXHCN Vi.;t Nam Cho ky hoat dqng 9 thang k6t thile ngily 30 thang 9 nr.1l12016

nWVET MINH lIAo cAo TAl cHiNH GIUA NIEN D(> (Ti@"theo) MAu so II 09a-J)NI'NTCdc thuydt mil1h ndy LiJmOl hf} ph{in hVp thimh va cdn dU{1c iJ(JC et6ng theli vai biw ella tai chin" gii'ia nW" a(J kem theo

10, NQxAu

31/1212015Dlf phong Gi~ -

VND VNJ)40.711.865.997 58.683.240.707- TOng ghl tl'j cnc khmin "hai

tlllI, cho yay qua han thanh toanho~c ehua qun han nhung kh6Cong ty cO "h5n Song Da -Thang LongCae dOi tuqng kMe

30/0912016Chi gilcVNJ)

58.940.22 1.890

46.662.595.121

12.277.626.769

33.272.401.590

7.439.464.407

46.662.595.121

12.020.645.586

Drr phongVND

40.58U.474.54~

33.272.401.590

7.308.072.959

Chi ti@tcae dOi tuqng khac theo thiYigian qua han lai ngay 30 thang 9 nam 2016:

N{ii tlungPhi b"lO hi8m g0cPhfti thu tai bflo hi6mC{mg

Til' 6 thang d@ndU"tl'i 1 nam147.946.449

4.161.314.0314.309.260.480

Til' 1 nam d~n du'6"i2 nihn

496.353.5242.253.002.6402.749.356.164

Tir 2 lIam d~ndu'o'j3 lIilm

600.349.073889.657.407

1.490.006.480

Ti•.3 nam tro'len

2.939.678.230789.325.415

3.729.003.645

C(\ng nq

4.184.327.2768.093.299.49312.277.626.769

Theo Thong tlf sO200/2014/TT-BTC do Bq Tai chinh ban I"inh ngay 22 thang 12nam2014 hm'rng dfrn Chi! dq k@toan Do.nh nghi.;", nq xiiu la eac khoill1 phai thu,cho yay qua han thanh toan hoac chua qua han nlmng kh6 c6 kha nang thu hbi. Tai ngay 30 thang 9 nam 2016, Tbng Cong ty e1ma xac djnh gia tl'j co tht1 tim hE,i elmC,1ekhOlin phai thu do Chu~n Im)'c k~ tm1nVj~tNaill cling )llur cac quy djnh hi~n hanh chua co huang dftn C\J tll6 v8 vj~c xac ujnh gia trj co th~ thu hOi elm dic kho~1II

ph"i tlllI.

19

TONG CONG TY CO PH.tN BAa HIEM HANG KHONGTang 15, toa nhk Gelexirnc,:), s6 36 Hoang Cftu BaD CaD Hli chroh giU:a niell OQDilng Da, Hi! N<)i, CHXHCN Vi~t Nam Cho ky hoat o<)ng 9 thang kit thue ngay 30 thang 9 nam 2016

THUYI'T MINH B.••.a cAa TAl CHiNH GIO'A NIEN D(> (Ti€p theo) MAu SO B 09a-DNPNTCae thuydt minh nay Iii 1I19f 09 phqn h(Jp thimh va can OI'(fC Q9C tllmg thai veri baa cao 10; chinh giua niell arj kem thea

II. CHI PHi TR.~ TRU'OC NcAN H~

Tir 01/01/2016d€n 30/09/2016 Nam 2015

VND VNDI. Chi phi hoa hling ehu'a phon bli

s6 du diu nam 8,692.614,003 10,084.462,832Chi phi hoa h6ng chua phon b6 phat sinh trong n~m 8.621.508.897 8.693.718.912Chi phi hoa hilng da ph.n bil vao chi phi trong n~m (6.566.996.590) (10.085.567.741 )S5 du cu6i k')' 10,147,126,310 8.692.614.0032. Chi phi tra tm •.e ng~n h~n khae sa cuOi quy S6 cu6i nam

VND VNDChi phi tra trucJc ng~n h~n 1.441.268.218 715.026.506

1.441.268.218 715,026.50611.199.394.528 9.407.640.509

12. TAl SAN TAl BAa HIEM

sA cu6i quy S6 dAu namVND VND

I. DV phong phi lL1uqng tar bao hiim 66.541.797.366 69.978.903.2042. DV phong bili thuang nhuqng tai bao hi~m 94.308.589.675 48.231.141.355

160.850.387.041 118.210.044.559

13. TAl SAN CO Il!NH HO'U HINH

Phlr~ng ti~n v~n ta! Thi€t bi van pbong Tang ei)ngVND VND VND

Nguyen gias6 du t~i ngay 01:01/2016 7.785.453.232 10.173.185.719 17.958.638.951rang (rong ky 2.592.601.818 592.827.272 3.185.429.090Giam trong kys6 du!{ii ngay 30'09/2016 10.378.055.050 10.766.012.991 21.144.068.041

Gia tri hao mon lfiy k€s6 du t~i ngay 01101/2016 4.275.874.375 8.715.347.959 12.991.222.334Kh:iu hao trang lei' 856.954.080 461.654.311 1.318.608.391Giam (rong ki's6 du t~i ngay 30'09/2016 • 5.132.828.455 9.177.002.270 14.309.830.725

Ghi tri con I{lisb du !{iingay 0 I/O 1/2016 3.509.518.857 1.457.837.760 4.967.416.617sb du t~i ngay 3G/09/2016 5.245.226.595 1.589.010.721 6.834.231.316

Nguyen gia cae tai san e6 dinh hitn hinh da h~t kh:iu hao nhung viin con sir d\lllg t~i ngay 30 thang 9 nam2016 Ia 9.174.298.009 VND (T~i ngay 31 thang 12 nam 2015: 1.240.378.718 VND).

20

Bao cao tili chinh giii .• nien dQCha kv haat clim!! 9 thang k~t thue ngaV 30 thang 9 n~m 2016

TONG CONG TY c6 pHAN BAa HIEM HANG KHONGTcing 15, toa nhil Geleximco, 56 36 Hoang C~uD6ng Da, Ha N(ii, CHXHCN Vi~t Nam

THUYET MINH BAa cAa TAl CHINH GIUA NIEN DO (Ti~p theo) MAD s6 B 09a-DNPNTCae Ihurd! minh /lay fa 11191br phqn h(Jp thimh va can aU9'c a(Jc t16ng thai v6'i biw cao fai chinh gifia nien aq kem thea

14. TAl SAN CO D!'iH VA HiNH

Ph~nm~m T6ng cqngmay vi tinal website

VND VNDNguyen giaS6 du tai ngay 01/0112016 1.310.350.000 1.310.350.000Hng tmng ''Y 0Thanh Iy, nhUgllg ban 0 0S6 du tai ngay 30/09/2016 1.310.350.000 1.310.350.000

Gia tr! haD mon lu)' k~S6 du tai ngay 01/01/2016 1.188.839.264 1.188.839.264Tang trong I..-y 46.595.070 46.595.070Giilm trang ky 0S6 du tai ngily 30/0912016 1.235,434.334 1.235.434.334

Gill tr! con I~iS6 du tei ngay 01/01/2015 111.510.736 121.510,736

Sb du tai ngay 30/09/2016 74.915.665 74.915.666

Nguyen ghi cae tii sfm c6 dinh vo hinh oil h~t khfru hao nhung v&n con Slr d\lng t?-i ngay 30 thang 9 nam20161.1.000.000.000 VND (Tai ng.y 31 thang 12 nam 2015: 1.1.000.000.000 VND).

15. VAY VA NQTHUE TAl CHINHNGANH~N

3010912016 3111212015

NganhangTMCP SaiGon. HaN(>i('j

Gia triVND

67.000.000.000

So co kha n~ngtril noVND

67.000.00D.000

Gi; trj

VNDSo co kha nang

tm no

67.000.000.000 67,000.000,000

(*) Th~ hien khaim rut vbn Irong h'!ll mirc thdu chi tir Ngan hang TMCP Sili Gon - Hil N(ii, Chi nhanh HilN(ii thea Hqp clang tin d\ll1g s6 0206/2016/HDHMTC-PNiSHB-II0200 ngily 02 thang 6 nam 2016. Thaihan cua khoiln val' tiI ngily 08 thang 6 nam 20 16 d~n ngay 03 thang 01 nam 2017. Khoan val' dugc baadam hOi cac Hqp clbng ti€n giri co ky h~n t~i Ngiin hang TMCP Sili Gon - Hil N(\i, va chiu liii su~t7,67%/nam. Liii val' clugc tril kill k~t thuc thai han val'. D~n 30/9/2016, T6ng Cang ty d. Ira g6c tmacthai han 23.000.000.000 dimg.

21

TONG CONG TY CO PH..\N BAa HIEM HANG KHONGT~ng 15, toa nha Geleximco, 56 36 Hoang C~u Bao cao tili chinh gHi'a nien oQDano Da, Ha N(>i. CHXHCN Vi~1 Nam Cho ky hoal d(mg 9 Ihang k~1 !hue ngay 30 Ihang 9 n~m 2016

THUYET MINH BAo cAo TAl CHiNH GIUA NIEI'\ DO (Ti~p theo) MAU s6 B 09a-DNPNTCae ihuyit 111i1711nay IG n1Q( b<;5ph(m h(fp rhimh wi c6n aWlC ape ii6ng [h&i va; bao cao teli chinh giira nien d(J kent thea

16. PHAI TRA. VE HQP DOI'\G RAo HlEM

sa cu6i qU)' S6 dAn namVND VND

a) Phai tra phi nhLrQng tai bao hi€m 62.729.665.913 93.626.466.127Cong ty Willis Singapore 34.474.772.786 38.459.444.987Cong ty Willis London 9.052.830.334 38.710.706./46Cdc cong ly biw him khac 19.202.062.793 /6.456.3/4.994b) Phai tra doanh nghi~p tham gia dllOg bao hi~m 2.950.329.211 4.809.925.988c) Phai Ira blli Ih~lmg bao hi~m 16.763.482.412 26.007.942.265T6ng cong 0' hang khong Vi?!Nam 0 16.479.512.561r6ng cong ty tai bdo hiim Vift Nam 3.776.707.771 3.839,394.133Cdc khdeh hOng khdc 12.986.774,641 5.689,035,571dj Phoi tra hoa h3ng bao hi~m 2.003.115.519 1.553.063.443e) Phai tra khac 3.035.377.903 3.086.002.263

87.481.970.958 129.083.400.086

17. THUE V..\ cAe KHOA.N PHAI NOP NHA NU'OC

sA cufli qU)' sA dAu namVND VND

a. s6 phai thu 590.873.707 937.954.848Thu~ thu nh~p doanh nghi~p 590.873.707 937.954.848

b. s6 phai tra 7,770.513.482 5.226.920.470 ~Thu~ gia Irj gia IMg 6,041.035.389 3.180.596.261Thu~ Ihu nMp ca nhan 246.583.687 198.103.505Thu~ khae 38.249.737 928.455Thu~. phi phai n(>pkhac 1.444.644.669 1.847.292.249 'f

18. cAc KHOA.N PH AI Tlu., PHA.I NOP NGAN H~N KHAC ;

9 Ihang nam 2016 Nam 2015VND VND

(I) Doanh thu hoa hllng chLra dU'Q'chtrOngs6 du d&uky 5.861.510.364 9.722.136.820

. Doanh Ihu hoa h6ng chua duqc huimg phal sinh Irong nam5.583.098.113 5.861.510.364

- Doanh thu hoa h6ng dii phan b6 vao Ihu nh~p lrong n~m (4,093.840.224) (9.722.136.820)s6 du cu6i kj' 7.350.768.253 5.861.510.364

(2) Cac khoan phai tra, phai n(>p ng~n h~n khac Sa cubi quy s6 dh namPhili Inl Baa hi~m xa h(>i 125.824.424 3.155.778Phai Ira Baa hibm y t~ 16.366.331 2.213.798Pha; Ira kinh phi C6ng doan 388.367.194 268.481.365Phai Ira eho eae e6 d6ng 214.413.900 20.714.413.900Phai Ira khae 1.338.710.723 420.132.324

2.083.682.572 21.408.397.1659.434.450.825 27.269.907.529

22

TONG CONG TY CO PH AN BAa HIEM H.4.NG KHONGTlmg 15, toa nhit Ge1eximco, .6 36 Hoang clm Baa cao tili chinh giii'a nien 0(>D6ng Da, Ha Niii, CHXHCN Viet Nam Cho ky hoat o(>ng 9 than. k~t thUc Doay 30 ,hang 9 n~m 2016

THUYET MINH BAa cAa TAl CHiNti GIU A NIEK DO (Ti~p thea) MAu SO B 09a-DNPNTCae {huyit minh nay fa nujt bq plu,in h(/JJ 1122mhva c6n Olf9'C Q9CtJ6ng thai rfli baa cao iiIi chinh giua Ilien aq kem thea

19. D\fPHONG NGHIi):P VI)

I. DIf phong b6i thrriYngTrong do:• Dl! phong cho CQ~yeu cdu QOI bai lhlfcmgchuG Kiai quyit.- D~phimg eho eJe Ibn 1116/tid phQI sinhnhung chua lhOng baa 1BNR2. DIf phong phi chrra drr'lc hrrong

CQng

Trong do chi tiSt:

I. DIf phong b6i tbrriYng

s6 du l{lingay 0 lIO1/2016s6 trich laP them/(hoan nhaP) trong n~mS6 drr t~i ngay 30,\)9/2016

2. DI! phong phi C'htra dlfgC bring

s6 du tal ngay O!l'll /2015s6 trich laP them/(hoan nhaP) trong nams6 drr t~i ngay 3010912016

[J071 vj: VND30/09/2016

DIf phong bao hi~m DIf phimg nhrrQ1lg tai DIf phong bao hi/mg6c va nh~ntai bao bao hi/m gac va nh~n t:H bao

hi/m hi~rnthu~n1 2 3=1-2

156.767.028.367 94.308.589.675 62.458.438.692

143.948.749.079 90.074.884.180 53.873.864.899

12.818.279.288 4.233.705.495 8.584.573.793

207.556.077.13 I 66.54 I. 797 .366 141.014.279.765364.323.105.498 160.850.387.041 203.472.718.457

Tir ngay 0110112016 d~n 30/0912016DIf phong ban hi/m DIf phGng nhrr911g tai DIf phOng baa hi/mgilc ya nb~n !Ai bao bao hi~m gilc va nh~n tAi hao

hi/m hi~m thuAn1 2 3=1~

90.347.042.346 48.231.141.355 42.115.900.99166.419.986.021 46.077.448.320 20.342.537.701156.767.028.367 94.308.589.675 62.458.438.692

Tir ngav 0110112016 d~n 30/0912016DIf phong bao hi/m DIf phOng nhrrQ1lg taj DIf phong bao hi/mgilc va nh~n ta, bao bao hi/m g6c va nh~n tal bao

hi~m hi~rn thuan1 2 3=1-2

163.563.162.570 69.978.903.204 93.584.259.36643.992.914.561 (3.437.105.838) 47.430.020.399207.556.077.131 66.541.797.366 141.014.279.765

;

3. DIf phong dao dQng 16'n

s6 du ddu kys6 trich I~p them/(hoan nh~p) !rang n~mS6 dlf cu6i k)'

23

9 thang nAm 2016VND

31.43l.i50.2852.307.168.09433.738.718.379

Nam 2015VND

29.607.597.7101.823.952.57531.431.550.285

515.844.466,311(5.500.000.000)1.163.330.444

TONG CONG TY CO PHAN BAa HIEM HANG KHONGT~ng 15, toa nhil Geleximco, 56 36 Hoang c~u Bao cao tid chinh gHi'a nH~n0.1}B6ng Ba, Ha N<)i,CHXHCN Vi~t Nam Cho ky ho~t d<)ng9 thang k6t thUc ngay 30 thang 9 n~m 2016

THUYET MINH BAac.~oTAl CHlNH GIUA NIEN DQ (Ti6p thea) MAU SO B09a-DNPNTCae thuy6t minh nay la 11191 Jt) plu;in hrp thimlt va C611 aU(Jc Qf)C d6ng th&i v6'i hew cao tcd chinh gifia nien do kem thea

20, VON CHU s6 HO'U

Van Dl{trlr L9i nhuin sau thu! Tang C9ng<1i~uI~ bit hU9C cblI1l pbi. ph6i\'ND \ND VKD VND

ClIOkj" 11O~1~ng 9 than: k& Ih.c JOI9,Q015S6 drr t!i OliOlI2015 500,000,000,000 9,519,312.4lJ 2W1,508.493 536,100.820.940

Lginhuio 9 thang nim 201i 9.530.330.i60 9.i30.330.i60T rich qui dg trtl bit bU9' (i) 416.i 16.i18 (416.i16.i28)

S6 d. t!i 30109/2015 500.000.000.000 10.055.828.915 36.175.322.525 546.231.151,500

ClfO I)' IfO~1~n: 9Olangkit Ih.c JOMOl6

S6 drr~iOllOll2016 500.000.000.000 9.892,510.140 5.951.896.111Chi tci c6 tUcch. c6 d6~ (5.500.000.000)Lginhujn nim 2016 1.163.330.444Trich qui dg trtl bit buo' (i) 88.166.522 (88.166.522)Trich qui khen thuimg, rhuc 19i (451.896.111) (451.896.111)

S6 drr~i30/9/2016 500.000.000.000 9.980.136.662 1.615.163.922 511.655.900,584(i) Quy dll tril b&tbu(ic dugc trich tir Igi nhu~n sau thu6 thu nMp doanh nghi~p voi tY I~ 1a 5% cho tojkhi biing 10% v6n di~u I~ thea quy dinh t~i J)i~u 30, Nghi dinh s6 46/2007/NB-CP ngay 27 thang 3 n~m2007.

Chi ti~t ngu6n v6n kinh doanh:

v6n gop t~i nga)' 30/9/2016_____ VN_'D_ TYl~

viln gop t~i ngay 31112/2015VND ryl~

Cang ty c6 phin HUMCang ty c6 ph&nh6a chit Cang nghi~pTan LongOno PhamN~ocUrn:::. . .....Cang ty TNHH Djchv~Thuong rn~iHaN(iiCang ty c6 ph&nl\am Vi~tc6 dang khac

4i.080.000.00045.000.000.00045.000.000.00045.000.000.000

320.000.000.000500.000,000,000

9%9%9%9%

64%100%

4i.000.000.00045.000.000.00045.000.000.00045.000.000.00040.000.0'10.000280.000.0'10.000500.000.000.000

9%9%9%9%8%56%100%

Ngay 06 thang 5 n~m 2016, Cong ty c6 phin Nam Vi~l d. thoiti loan b(i s6 v6n gop vila T6ng Cong tyc6 ph&nBaa hi€m Hang khong cho cac nh:l diu ill.

24

I

TONG CONG TY CO PH.A.N BAO HIEM HANG KHONGTimg 15, toa nM GeleximcD, 56 36 Hoang du BaD cao tai chinh gifi'a nien d(\D6ng Da, Ha N<ji, CHXHCN Viet Nam Cho!-1 hoat d(\ng 9 than¥ k~t thue ngay 30 thang 9 n~m 2016

THUYET MINH BAo c.~O TAl CHINH GIUA NIEN DQ (Ti~p theo) MAu so B 09a-DNPNTCac thuyh min17 nay la 1119' br ph(m hr;p tl1lmh va c6n aU(Jc ape d6ng thOi vai baa eao ted chinh giiia nien dQ kem thea

21. DOANH THU PHi BAa HIEM

Thu phi baa hi~m gAcBaD hi~m hang kh6ngBao hi~m sue kh6e \'a baa hi~m tai n~mcon nguaiBao hi~m tai san va bim hi~rn thi~t h?iBaohi~mhanghoa v~ chuy~nBao hi~m xe co giaiBaD hi~m ehay, n6BaD hi~m than tau va trach nhiem dan sg chi! tauBaD hi~m trach nhiem chungBaD hi~ thiet hai kinh doanhCae khoan giiim phi baD hi~m gAcPhi nhin tai baD hi~mBaD hi~m hang kh6ngBao hi~m sue khoe va baa hi~m tai nq.ncon ngumBaDhi~m tai san va baD hi~m truet haiBaD hi~m hang hoa v~n ehuy~nBaD hibm chay, n6BaD hiim than tilUva trach nhiem dan sg eha tauBaD hi~m traeh nhii.m chungBaD hi~m thiet h~i kinh donnhcae khoan giam trir phi nh~n tai bao hiim (Ciam ph~ ho,mphi nh~n tai bao hiim)(Ting)lgbim dlf pbong phi baa hi~m gac "a nh~n hii baa hi~rnC9ng

25

Lfiy k! d~u nam d~neu5i quI" 3/2016

VND325,859.734.34374.928.601.01310.474.734.37017.053.650.82716.371.869.505186.517.370.63512.479.769.4902.511.000.6785.468.283,669

54.454,156(207.204.570)

22.612.990.77538.567.453

;.428.806.2519.262.599.684169.642.561

4.099.853.560.498.1 04.1 0463.125.26852.291.894

(160.547.598)

(43.992.914.561)304.112.058.389

Lily k! d~u nam d!ueu6i quI" 3/2015

VND235.940.665.30186.620.994.7327.200.308.88510.720.78U.62810.248.467.424103.884.514.0259.503.992.7202.431.719.8255.297.225.507

32.661.555(115.865.336)

21.209.386.7634.529.154.749

o10.220.229.552

108.419.7573.694.122.2752.509.832.085138.767.8608.860.485

(5.214.294)

16.092.024.343273.120.996.777

)I

TONG CONG TY CO PHAN BAa HIEM HANG KHONGTftng 15, toa nha.GeleximcD, s6 36 Hoang C~u Bao cao tai chinh giila nieD OQD6n" Da, Ha NQi, CHXHCN Vi$t Naill Cho kv hoet dQn~ 9 thing k~t (hUe ngaV 30 thang 9 n~1ll2016

THUYET MINH BAa cAo TAl CHiNH GIO'ANlEN DO (Ti~p theo) MAU s6 B 090-DNPNTCae thUY&lminh nay la mot Qr phcjn h9"Plhanh va crin aur;rc G<)Ct1bng th&i rai baD cao tai chillh giiia nien d(j kem theo

22. PHi NHu'<;INGTAl BAa HIEM

Tbng phi nhlfQng Iii bao bi~mBaa hi~mhang khongBao hi~m sue kh6e ya bim hiSm tai n~n e-on ngumBaa hi~m(ai san va baa hi~mthi~lheiBaa hi~mhang bOa\'~ chuy~nBao hi~mxe co gi6iBaa hi~mchay, nliBaa hi~mthan tau va trach nhi~mdan sg eM tauBaa hi~mIrach nhi~mchungBaa hiim thi~t h~ikinh doonh(Tang)!giam dlf philUgphi nhlfQng tai bao hi~mC{mg

23. TONG CHI BOI TWONG BAa HIEM

Chi b6i IhlfimgBaa hi~mhang khangBaa h&msue khoeva baa hi~mtai n~ can ngumBaa hi~mtai san va baa hi~mthi~lh~iBaa hi~mhang ho, v~ chuy~nBao hi~mxe ca giQiBaa hi~mchay, nliBaa hi~mthan tau va Irach nhi~mdan sg chll tauBaa hi~mIrach nhi~mchungBaa hi~mthi~thei kinh doanhThu blii thlfimg nhlfQnglai bao hilmTang/(giam) dlf phong blii Ihlfimg bao hilm gac ,'a nh~n taibao hi~m(Tang)/giam dlf phong blii thlfong nhtrQnglai bao hi~mC9ng

26

Liiy k~ dfiu nam d~ncuai quy 312016

VND117.387,864.57672.204.943.754

111.971.70415381.539,9581l.077.693.0562.731.933.15311.980.382.692L561.374.7812.270.547.769

67.477.7093.437.1 05.838

120.824.970.414

Liiy k~ d~u nam d~ncual qui' 312016

VND69.429.745.79216.543.642.7943.578.933.2861.349.691.115595.363.605

3!.689.917.6324.057.290.2921.331.278.345283.628.723

(21.151.368.628)66.419.986.021

(46.077.448.320)68.620.914.865

Liiy k~ dh nam d~ncuai quy 3/2015

VND121.719.634.55587.790.668.220

299.295.97510.059.128.6725.992.809.6331.401.282.73811.678.603.8291.999.987.6022.465.135.244

32.722.64225.246.482.908146.966.117.463

Liiy k~ dAo nam d~ncuai quy 312015(phan lo"i I"i)

VND54.691.677.88312.730.870.1262.567.621.4815.653.706.7542.046.748.27229.198.844.558

685.251.3821.401.988.656392.057.95214.588.702

(16.425.560.118)13.835.621.884

(6.210.335.941)45.891.403.708

TONG CONG TY CO PHAN BAo Hlt~l HANG KHONGrimg 15, toa nha GeleximcD, ,6 36 Hoang cliu Baa cao tili chinh giii'a nien <19D6n" Da, Ha N(ii, CHXHCN Vi~t Nam eha k", hoat <I(mg 9 (himg k~t thUe ngav 30 (hang 9 nfim 2016

THUYET MINH BAo cAo TAl cHiNH GIUA NlEN DO (Ti~p thea) MAu SO B 09a-DNPNTCae thuy&r minh /Jay fa 11191 b(i ph4n h9P thanh va cdn au9'c Q9Cd6ng tlu)'i "oj bao cao fai chillh giiia /lien Q(J kbn theo

CHI KHAc HO.F DONG KINH DOAi'<rI BAo HIEMLiiy k~ <lftu nam d~n

cubi quy 312016

24.

Chi hoa h6ng baa hiimChi doi ngum thir 3Chi danh gia rui ro eua dlii tuqng baa hi&mChi d&phong han ch€ rili ro, tlin lhillChi phi lien quan d€n hOal d(mg ban hangChi phi luong, chi phi phuc vv kha; lhac BHCac khoan lrich lap bilt bu(ic theo quy dinhChi phi khacCQng

VND15.381.567.682

135.635.48811.359.428

699.599.70055.453.913.41251.067.196.575\.242.550.060222.304.459

124.214.126.804

Liiv k~ dftu nam d~n• cubi quy 312015

(ph.n loai lai)VND

14.399.684.012

29.386.363992.422.375

34.413.029.87923.935.698.546

877.954.949246.080.165

74.894.256.289

25. DOANH THU HO~T D(lNG TAl CHiNH

Liiy k~ <I~u nam d~n Liiy k~ dftu nam d~ncubi quy 312016 cubi quy 312015

VND VND

Lai ti~n gfri ngan hang 15.694.349.276 30.039.407.236

Thu Wi dliu lu c6 phi€u, lrai phi€u 11.246.870.287 3.725.973.005Lai frai phiiu 3.483.709.694 3.474.509.694Thu llii adu t~c6 phiiu 7.763.160.593 251.463.311C6 tire dugc chia 1.062.762.000 743.481.913Lai chenh lech Iy gia 260.531.289 287.686.328Lfji chenh I?ch tY gid ali tJwe hi?" 260.531.289 287.686.328Doanh Ihu hoat d(ing tal chinh khac 3.258.333.333 42.194

31.522.846.185 34.796.590.676

26. CHI PHi HO~T D(lNG TAl CHiNH

~Liiy k~ dAu nam d~n Liiy k~ dftu nam d~n

cu5i quy 312016 cubi quy 312015VND VND

L6 chenh lech Iy gia 217.020.754 658.851.382Chi phi kinh doann chirng khoan 7.113.736.716 8.766.442.926Chi phi du phOng dliu tu tai chlnh (2.806.770.064) 5.576.051.400Chi phi liii yay 1.759.199.722Chi phi ho~1 d(ing tili chlnh khac 0 1.668.514.606L6 chenh lech ty gia chua thuc hi~n 278.541.004

6.561.728.132 16.669.860.314

27

TONG COl\G TY CO pHAN B".\O HIEM H."'-NG KHONGTbg 15, toa aha Geleximco. 56 36 Hoang C~u BaD caD tid chinh gHi'anien d\)£limg £la, Hi! NOi. CHX'lCN VI~t Nam Cho ky' hoat dong 9 thang t~t thlle n"av 30 thang 9 nam 2016

THUYET MINH BAO CAO TAl CHiNH GIUA NIEN DQ (Ti~p theo) MAU s6 B 09a-DNPNTCae Ihuyh minh nay fa mot b6 ph4n h9'p thanlt vi cdn c1u'(;rcarc a6ng tlu7i voi baa ma tai chinh giua nien a(j kem thea

27. CHI PHi QUAN vi' DOANH NGHI~P

Liiy ki aiiu nam din Liiy ki dftn nam aincu5i qui'J12016 cuM qupl2015

(Phon loal lailVND VND

Chi phi nhan vien quan I)' 13.050.790.978 10.712.379.645Chi phi djch Vl,l aua ngoai 7.717.590.560 6.757.081.182Chi phi d~ phong ng phii thu tho doi 131.391.448 77.962.33~Chi phi thiu haa tili san 06 dinh 515.571.825 L504.938.685Chi phi d\ll1gc~ ,an phong 142.520.366 82.393.821Chi phi \'~tli~u quan I)' 720.887.660 396.702.194Thui, phi va I~[hi 267.123.380 939.785.494Chi phi H{li d6ng qulm trio Ban ki~m soat, cb dong 445.049.976 798.337.572Chi phi quan I) thac 190.281.604 51.621.182

23.281.207.797 21.321.202.110

28. THUE THU NH~P DOANH NGHI~P

Liiy k@diu nam d~n Liiy ki aftu uam aincuili quy 3/2016 cuili quy 3/2015

VND VNDLqi nhu~ntruac thu~ 2.110.411.585 12.441.420.710f)i~u chJnh cho thu nh~p chiu thuSTric: Thu nhaP thong chiu illui (1.062.762.000) (743.481.913)Ci)ng: cae tho," chi phi thong dugc khiu lric 687.756.121 1.534.289.158

Thu nh~p chiu thoi 1.735.405.706 13.232.227.955Tr,u6 su&tthan, illuimg 20% 22%Tho. tho nh~p do.nh nghi~p 347.081.141 2.911.090.150

29. BIEN KHA NANG THANH TO".\N

Tir 01/1012015 TirOl/0112015 1d~n 30/0912016 a~n 31/1212015

,VND VND .,

L Bien kh3niing thanh tmin (l = (1)-(2) -(3» 355.790.729.159 450.788.366.648 :J

I. Chenh I~chgilia gia trj tai san va cae khOiin "g pMi tra 511.655.900.584 515.844.466.311 ~"2. Tai san bj lo~.i tro toim hI>gia trj hi;1ch to{lO 36.027.950.296 24.863.701.102

3. Cae tm s{m bj lOi;1itrir m9t phfin gia tri hi;1ch to{m 119.837.221.129 40.192.398.561

n. Bien khi nang thanh tmio tbi thi!u(Gi. tri 1611hun giira (a) v. (b)) 71.316.143.658 47.464.201.034

(a). 25% t6ng phi baa hi~m gift li;1i 71.316.143.658 47.464.201.034

(b). 12~5%t6:lg phI him hi~m g6c va phi nh~n tai baa hibm 53.075.138.128 41.690.638.063

III. So ,.nh [I) v. (ll)Theo so tuyft doi 284.474.58;.501 403.324.165.613Theo tj, I~phao tram 499% 950%

28

TONG CONG TY CO PHAN BAO HIEM HANG KHONGT~ng ]5, toa nhil Gele.ximco, 5636 Hoang cAu Baa cao tai chinh gifi'a Dien dQE>5ngDa, Hi! N(>i,CHXHCN Vi~t Nam Cho ky hoat o(>ng9 thang k~t thue ngay 30 thang 9 nam 2016

THUYET MINH BAO CAO TAl CHINH GIVA NIEN DO (Ti~p theo)' MAU SO B 09a-DNPNTCdc lhuyJ( minh flay til m(Jt;'9 p/ujn hrp thil11hva cdn aU(lC doc d6ng thr3'i vai baa ,ao ted chinh giiia nien ii(J kem theo

30, s6 LItU SO SA'l/H

S6 li~uso sanh elia Bang can c.16i k~ toan gifra nien d9 va cae thuy€t minh tuang lrng la s6 Ii~ut?i ngay31 thimg 12 nam 2015 oa ollge ki~m toan.

sf> li~u so sanh ella Bao diD k~t qua ho~t dQng kinh doanh giua nien d{J va Baa CaD luu chuy~n ti~n t~

gifra nien de> va cae thuy~tminh tUOTIg ling 1ft56 li~utir bac cao tiii chinh gifra nien de> cho ky ho;;!tdQng 9thang k~t thUe ngay 30 thimg 9 nam 2015 oa olIQ'esoat xet

M(>ts5 s5 li~u ella 1<)'bAo eao tnrae ollge T5ng Cbng ty phan loa1 lai o~ phil hgp vai vi~e so simh v&i 55li~u eua ky nay, c~ th~ nhlI sau:

NQi dung M! s6Tir 0110112015 din 30/0912015

So do bao cao Phon 10ai lai s.\ san pMn 10ai laiVND VND VND

1. Chi phi khac hoat dQng kiuh doanh bao hiim- Chi phi khic hoat d~ng kinh doanh bao hiim

2, Cbi phi qnau Iy doanh ngbilp

3. Chi pbi khac

1717.2

26

32

73,004.250.47558.604.566.463

23.400.004.057

37.582.230

1.890.005,8141.890.005.814

(2.078.80\.947)

188.796,133

74,894.256.28960.494.572.277

2J.321.202,1I0

226.378.363

NGuv~n Thi Thu HU'O'n'OJ'. .• eo

NglfiJ; I~p bieu

HiJN9i. ngay 20 Ihang 10 nam 2016

29