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N~~oAI V6N c6 PHAN COA

CONG TV TNHH MTV VANG B~C fJA QU)' sAl GCN - SJC

T~I NGAN HANG TMCP VI~T A THONG QUA fJAU GIA

(Theo Ouyet dlnh so 51/2014/0£)-TTg ngay 15/09/2014 cua Thu tU'ang chfnh phu quy dinh

ve mot so n<)idung ve thoai von, ban co phan ve dang ky giao dich, niem yet tren th]

trU'ang chung khoan cua doanh nghi~p nha nuoc)

Ban cOngbo thong tin nay va tai Ii~u bo sung sa dl1<;1Ccung cap tal:

1. CONG TV TNHH MTV VANG B~C £>A QUY sAl GON - SJC

£)!achi: 418 - 420 Nguyen Th] Minh Khai, Phuong 5, Ouan 3, TP.HCM

£)i~nthoai: (84.8) 3929 3388 Website: www.sjc.com.vn

2. CONG TV c6 PHAN CHUNG KHOAN R~NG VieT

£)!achi: Tang 1-2-3-4, Toa nha Viet Dragon 141 Nguyen Du, Ouan 1, TP.HCM

£)i~nthoai: (84.8) 62992006 Fax: (84.8) 6291 7986 Website: www.vdsc.com.vn

.-----------------------------------------------------------------

- Cong ty TNHH MTV Yang bac Da quy Sai Gon - SJC thl/c hi~n thoal v5n theo Quyet

d!nh sO'51/2014/00-TTg;

- Ngh! quyet HQidong thanh vien sO' 20/NQ -HDTV ngay 07/01/2016 cua Cong ty TNHH

MTV Yang bac Da quy Sai Gon - SJC va vi~c thl/C hi~n thoal v5n theo Quyet d!nh sO'51/2014/00-TTg;

- Diau ki~n thoal v5n: Thea Dieu 2 Quyet dinh so 51/2014/QD-TTg;

- Hinh thCtcthoal v5n: Thea Khoan 1Dieu 8 Ouyet dinh so 51/2014/0D-TTg.

• T~n cO phi~u: C6 phi~u NgAnhang TMCP Vi~t A

• L09i co phieu: Co phieu pho thong

• M$nh gia: 10.000 dong/co phieu

• Tong solU'<;mgco phieu dt,t'kien ban: 12.303.979 co phieu

• Tong gia tr] thoal von (theo rnenh gia): 123.039.790.000 dong.

• Gia khai diem: 11.800 dong/co phieu

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T6 CH(Ic TlJ VANCONG TV c6 PHAN CHO'NGKHOAN R~NG VieT

Tang 1-2-3-4, Toa nha Viet Dragon141 Nguyen Du, Ouan 1, TP.HCM

Tel: (84.8) 62992006 Fax: (84.8) 6291 7986 Website: www.vdsc.com.vn

T6 CH(lC KI~M TOAN

CHINHANHCONGTV TNHH KPMGT~ TP.HCMLau 10, Toa nha Sun Wah, 115 DU'ong Nguyen Hu$, Ouan 1, TP.HCM

Tel: (84.8) 3821 9266 Fax: (84.8) 3821 9267 Website: www.kpmg.com.vn

C6NG TY TNHH MTV VANG BAC f)A QUY sAl GON - SJC I

MVC LVC

I. NHONG NGLJOICH!U TRAcH NHleM cHfNH f)61 VOl NOI DUNG BAN CONG B6THONG TIN 5

1. To chuc truro hi$n thoai von 5

2. To chuc tu' van 5

II. cAc KHAI NleM 6

III. GIOI THleU V~ T6 CH(JCTHl,J'CHleN THOAI V6N 7

1. T6m tat qua trlnh hlnh thanh va phat trien 7

2. Moi quan h$ vai to chuc c6 co phieu dU'9c thoai von 8

3. Ty 1$sCihO'uco phieu thoai von/tong solU'9ng co phieu dang luu hanh: 8

4 T ' IA A' h·A' th " A' / A' h·A' d J. hl..l'- 8. Y E;l co p leu oai von co p leu ang so U ..

IV. TINH HINH vA f)~C £)I~M COA NGAN HANG co c6 PHI~U £)LJQCTHOAI V6N 9

1. "T6m tat qua trlnh hlnh thanh va phat trien 9

2. Co cau b(>may to chtrc cua Ngan hang TMCP Vi$t A 11

3. Bao cao ket qua heat d(>ng san xuat kinh doanh narn 2013 va narn 2014 14

4. Cac chi tieu tal chfnh chu yeu 22

5. Ke hoach san xuat kinh doanh, 19inhuan narn 2015 23

6. Thong tin ve nhO'ng cam ket nhU'ng chua thuc hi$n cua to chirc c6 co phieu dU'9c

thoai von 25

7. Cac thong tin, tranh chap ki$n tL..mg lien quan toi Ngan hang rna c6 the anh hU'Cingden" , A' hiA' th " ~ 25gla ca co p leu oal von ..

,631

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V. PHLJONGAN THOAI V6N 26

1. LO<:3ico phieu 26

2. M$nh gia 26

3 TA' A' A' h·A' d k'~ th " A'. ong so co p leu l/ len oal von 26

4. Gia khCiidiem dau gia 26

5. PhU'ong phap tfnh gia 26

6. PhU'ong thuc thoai von 26

7. To chuc thl/c hi$n dau gia co phan 27

8. Thai gian thl/c hi$n thoai von 27

9 Th ;..·· dV k' A' h' N '27. ul glan ang y mua co p leu .

vBAN CONG B6 THONG TIN

CONG TV TNHH MTV VANG BAC eA QUY sAl GON - SJC

10. Giai han ve ty 1$narn giG'd6i vai ngU'oiruroc nqoai 27

11 C ' h hA' I'A dA" A h A' hue 28. ac ~n c e len quan en VI~C c uyen n .ng .

12. Cac loai thue c6 lien quan 28

VI. MI.)CerCH THOAI V6N 28

VII. cAc £>61TAc L1~NQUAN TOI £><;1T THOAI V6N 29

1. To chuc tu' van 29

2. To chtrc kiem toan 29

VIII. BAo cAo COA T6 CHUC co co PHI~U £>UQCTHOAI V6N V~ cAc THONG TINL1~NQUAN £>~NT6 CHUC NAy 29

IX. PHI.)LI.)C 29

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BAN CONG B6 THONG TIN

CONG TV TNHH MTV VANG B~C eA QUY sAl GON - SJC

-==~Gt...n•••.\]Jr..::::

I. NH(fNG NG1101CH!U TRAcH NHIt;M CHfNH £)61Val NOI DUNG BAN CONG B6THONG TIN

1. To ch(tc thl/c hi~n thoai von:

CONG TY TNHH MTV VANG B~C eA QUY sAl GON - SJC

6ng £)6Cong Chfnh - Crurc vu: Tong giam doc

Chung toi dam bao rang cac thong tin va so Ii$u trong Ban cong bo thong tin nay la

chfnh xac, trung thirc va cam ket chiu trach nhiern ve tfnh trung thuc, chfnh xac cuanhung thong tin va so li$u nay.

2. To chCtchI v§n:

CONG TY c6 PHAN CHUNG KHOAN R~NG VIt;T

6ng: Nguyen Hieu - Chuc vu: Tong giam doc

Ban cong bo thong tin nay la mot phan cua Ho sa dang ky thoai von nha mroc

thong qua ban dau gia co phan do Cong ty Co phan Chung khoan Rong Vi~t thamgia I~p tren co so hop dong tu van vai Conq ty TNHH MTV Vang Bac £)a Quy Sai

Gon - SJC. Chung toi dam bao rang viec phan tfch, danh gia va Il,I'achon ngon Wtren Ban cong bo thong tin nay da dU'<;1cthl,l'c hi~n m9t cach h<;1pIy va can tr9ng

dl,l'a tren ca so cac thong tin va so li~u do Cong ty TNHH MTV Vang B~c £)a QuySai Gon - SJC cung cap.

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C(>NG TV TNHH MTV vANG B~C eA QUY sAl GON - SJC

-="8, '_"

11-;t~,"I~,GIe-~

II. cAc KHAI NleM

TCINGO, KHAI NI~M

Ban cong bo thong tin

Coph~m

Co phieu

Co dong

CotU'c

Von dieu 1$

DI~N GIAI

Ban cong bo thong tin cua Ngan hang ve tlnh hinh tai

chfnh, hoat d¢ng kinh doanh nharn cung cap cho cac

nha dau tu danh gia va dua ra cac quyet dinh dau tu.

Von dieu 1$duqc chia thanh nhleu phan bang nhau.

Chung khoan xac nhan quyen va Iqi fch hop phap cua

nguai sCihCi'udoi voi mot phan von co phan.

To chirc hoac ca nhan sCi hCi'uco phan da phat hanhcua Ngan hang.

Khoan Iqi nhuan rang duqc tra cho m6i co phan bang tien

miflt hoac bang tal san khac tu nquon Iqi nhuan can 19icua

Ngan hang sau khi thuc hi$n cac nghTavu ve tai chfnh

So von do tat ca co dong d6ng g6p va duqc ghi vao

£>ieu1$cLla Ngan hang.

hi$n thoai von

Cong ty, to chuc thl/cCong ty TNHH MTV Vang Bi?c £>aOuy Sai Gan - SJC

Ngan hang, Vi$t A Ngan hang TMCP Vi$t A

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To chuc tu van, Rong Vi$t Cong ty Co phan Chung khoan Rong Vi$t

UBCKNN

£>H£>C£>

H£>OT

BKS

BTG£>

TMCP

£>KKD

TNHH

MTV

NHNN

TCTD

DNNN

Uy ban Chung khoan Nha nuoc

£>i?ih¢i dong co dong

H¢i dong quan tr!

Ban Kiem soat

Ban Tong Giam doc

Thucmg m9i co phan

£>ang ky kinh doanh

Trach nhi$m hCi'uh9n

M¢t thanh viE~n

Ngan hang Nha nuoc

To chuc tin dl:mg

Doanh nghi$p nha nuoc

'.lHI(

BAN C(>NGB6 TH(>NGTIN

C6NG TV TNHH MTV VANG BAC £>AQU)' sAl GON - SJC

III. GIOI THleU v~T6 CHUC THl)'C HIeN THOAI V6N

1. T6m tat qua trlnh hlnh thanh va phat tri~n1.1. ThOngtin chung

Ten Cong ty: C6NG TV TNHH MOT THANH VI~N VANG BAC £>AQU)'

sAl GON-SJC

SAIGON JEWELRY COMPANY LIMITED

SJC

Ten tieng Anh:

Ten viet tc3t:

Logo:

Tn:J sCi chfnh: 418- 420 Nguy~n Thl Minh Khai, PhU'ong 5, Ouan 3, TP.

Ho Chi Minh

So di(3n thoai:

So fax:

Website:

(84-8) 39 293 388

(84-8) 39 293 377

www.sjc.com.vn

Von dieu 1(3: 1.233.050.000.000 (M(>t nghin hai tram ba rmroi ba tjkhong tram nem mot» trieu) dong

Giay chung nhan dang ky doanh nghi(3p so 0301045759

do SCi Ke hoach va Bau tu TP.HCM cap dang ky Ian dau

ngay 12/08/2010 va dang ky thay doi I~m thCJ'12 ngay

08/07/2015.

Giay Chung nhan

BKKD so:

Nganh nghe san xuat kinh doanh chu yeu:

+ Ban Ie vang bac da quy, mua ban vang trang sire va vanq mieng;

+ Ban buon da quy, da ban quy;

+ Heat d(>ng trung gian tiEmt(3khac (dich vu kieu hoi, thu doi ngoCilit(3, ban vang

bac da quy thu ngoCilit(3);

+ San xuat do kim hoan va chi tiet lien quan.

1.2. Qua trlnh hlnh thanh va phat tri~n cua t5 chLl'cthl/c hi~n thoai von

Cong ty TNHH M(>t thanh vien Vang bCilCda quy Sai Gon - SJC dU'<;1cthanh I~p W nam 1988

tien than la Cong ty Vang bCilcthanh pho co chCJ'cnang nhi(3m VI,J chfnh la kiem gia vang bCilC

va chong dau co buon I~u vang tren d!a ban thanh pho.

Ben nam 2004, Cong ty dU'<;1cdoi ten thanh Cong ty Vang bCilCda quy Sai Gon - SJC. La

doanh nghi(3p nha nU'ac tn!c thu(>c Uy ban Nhan dan TP.Ho Chi Minh, Cong ty hOCiltd(>ng

theo mo hinh cong ty mf? - cong ty con nhU' m(>tTong cong ty kinh doanh da nganh, da ITnh

vl,J'c.Nganh kinh doanh chu dCilOcua Cong ty la san xuat, gia cong, kinh doanh vang mieng,

vang trang suc, dau tU'vaG bat d(>ng san, dau tU' tai chfnh va thU'ong mCilid!ch vl,J.

tAL=

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BAN C6NG B6 TH6NG TIN

CONG TV TNHH MTV VANG BAC DA au)' sAl GCN - SJC

8en ngay 25/6/2010, Cong ty Vang bac 8a quy Sai Gon - SJC doi ten gQi mai thanh Cong ty

TNHH M(>t Thanh Vien Vanq bac 8a quy Sal Gon - SJC. Vai su' chuyen doi ve ten gQi mai

nay, SJC da san sang phat trien thanh mot tap dean kinh te dau nqanh ve vang bac, da quy

cua qucc gia va phat trien W mot thliC1nghieu qucc gia tro thanh thliC1ng hi$u qucc teo Tfnh

den thai diem hi$n nay, SJC da c6 06 cong ty con, 19 cong ty lien ket, 01 xi nghi$p san xuat

vang va nO' trang hi$n dai theo tieu chuan quoc te, 14 chi nhanh tren khap ca ruroc. M~ng

lliai kinh doanh phan phoi cua Cong ty gam 125 cua hang va diem ban Ie, 43 dai Iy chinh

thirc c6 mat tal 22 tlnh thanh. Ngoai ra, c6 tren 3.000 cua hang ban Ie va h$ thong cac ngan

hang thliC1ngm~i, co phan tren ca nliac dang giao d!ch va kinh doanh san pham cLla SJC.

Trai qua 26 nam ho~t d(>ng va phat trien, thliC1nghi$u SJC dli<;1Cngliai tieu dung, b~n hang,

doi tac trong nliac va nliac ngoai danh gia rat cao va d~t dli<;1Cnhieu danh hi$u nhli: Oanh

hi$u ThliC1nghi$u Quoc gia, xep h~ng thu 07 trong top 500 Ooanh nghi$p Ian nhat Vi$t Nam,

Giai Vang - Top 500 nha ban Ie hang dau chau A - Thai Binh OliC1ng,Top xep h~ng 500 ON

tang trliong nhanh nhat nam 2010 & 2011 (FAST500 Top), Topten 2012 - Nhan hi$u noi

tieng Vi$t Nam, Cup chat Ili<;1ngQuoc te, 14 nam lien d~t danh hi$u Hang Vi$t Nam Chat

Ili<;1ngCao - dung dau nganh vang b~c da quy ... Ben c~nh d6, SJC con d6ng g6p tich cl/c

vao vi$c phat trien kinh te, cong tac xa h(>i, c(>ng dong tren d!a ban thanh pho va ca nU'ac.

Nam 2013, SJC da vinh dl/ dli<;1CThLl tliang Chinh phLl, Uy ban Nhan dan TP.Ho Chi Minh

trao t~ng Huan chliC1ng lao d(>ng h~ng I, II, III cung nhieu Bang khen, Ca Thi dua vi nhO'ng

thanh tich xuat sac trong cong tac W thi$n, ho~t d(>ngxa h(>i,hien mau nhan d~o ...

2. Moi quan h~ v"i tISch(tc c6 c5phieu dLf<;1Cthoai von:

Cong ty TNHH MTV Vang b~c da quy Sai Gon - SJC 113co dong nha nliac cLla Ngan hang

TMCP Vi$t A, so hO'u 12.303.979 co phan, tliC1ngdU'C1ngvai 3,51 % tong so Ili<;1ngco phan

dang IliU hanh cLla Cong ty tfnh den thai diem 31/12/2015.

3. Ty I~ SCIhC'tuc5 phieu thoai von/t5ng so ILfC;1ngc5phieu dang ILfUhanh:Solli<;1ng co phieu Ngan hang TMCP Vi$t A ma Cong ty TNHH MTV Vang b~c 8a Quy

Sai G6n - SJC dang nam giO' t~i thai diem 31/12/2015: 12.303.979 co phan (tinh theo

m$nh gia 10.000 dong/co phan).

Solli<;1ng co phieu Ngan hang TMCP Vi$t A ma Cong ty TNHH MTV Vang b~c 8a Quy

Sai Gon - SJC dl/ kien thoai von: 12.303.979 co phan.

So lliqng c5 phieu Ngan hang TMCP Vi$t A dang IliU hanh t~i 31/12/2015:

349.999.047 co phan tU'C1ngdliC1ng von dieu 1$ hi$n t~i 1133.499.990.470.000 dong;

Cong ty khong c6 co phieu quy.

Ty 1$co phieu thoai von/tong solli<;1ng co phieu dang IliU hanh: 3,51 %.

4. Ty I~ c5phieu thoai vonlc5 phieu dang SCIhC'tuTy 1$co phieu thoai von leo phieu dang so hO'ut~i thai diem 31/12/2015: 100%.


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CONG TY TNHH MTV VANG B~C DA QUY sAl GCN - SJC

IV.

1.T1NH H1NH vA £lAc £l1~M COA NGAN HANG co c6 PHI~U £lLJOC THOAI V6N. .T6m tat qua trlnh hlnh thanh va phat tri~n

1.1. ThOng tin chung

Ten Ngan hang:

Ten Tieng Anh:

Ten giao dich:

Tru so chlnh:

So di~n thoal:

So fax:

NGAN HANG THLJONG M~ c6 PH~ VI~T A

VIETNAM ASIA COMMERCIAL JOINT STOCK BANK

VIETABANK

34A - 34S Pho Han thuyen,P.Ph9m 8inh Ho, Q.Hai Sa TrU'ng,

Ha N¢i.

(84.4) 3933 3636

(84.4) 3933 6426

Von dieu I~ hi~n tal: 3.499.990.470.000 (Sa ngan bon tram chln mU'C1ichin ty chln tram

chln mU'C1itrleu bon tram bay chuc ngan) dong (Trongnern 2015

VietABankda co d¢ tang von ttr nguon von chu sa htJ'u

(170.690.270.000 dong) va chao ben co' phieu rieng Ie(231.300.200.000 dong) nang von dieu I~ tang tLl

3.098.000.000.000donglen 3.499.990.470.000dong).Nganh nghe kinh doanh chu yeu:

+ Huy d¢ng von ngan han, trung han va dai han dU'oi cac hinh thuc tien glii c6 ky han,

khong ky han, tiep nhan von uy thac dau tu va phat trien cua cac to chtrc trong ruroc,

vay von cua cac to chirc tln dl,lng khac:

+ Cho vay ngan han, trung han, dai han: chiet khau thU'C1ngphieu, trai phieu va giay taco gia; hun von va lien doanh theo lu~t d!nh;

+ Lam d!ch vl,l thanh toan giO'a cac khach hang;

+ Kinh doanh ngo9i t~, vang b9c va thanh toan quoc te;

+ Mua ban ho~c lam d9i 19 mua ban cac I09i chung khoan bang ngo9i t~;

+ Sao lanh cac khoan vay trong nU'oc va nU'oc ngoai bang ngo9i t~;

+ Phat hanh ho~c lam d9i 19 phat hanh cac giay ta co gia bang ngo9i t~;

+ Chiet khau, tai chiet khau, cam co cac thU'C1ngphieu va GTCG khac bang ngo9i t~;

+ Cung ung cac d!ch vl,l tU'van cho khach hang ve ngo9i hoi.

1.2. Qua trlnh hlnh thanh va phat tri~n

Ngfm hang TMCP Vi~t A dU'c;1cthanh I~p theo Quyet d!nh so 440/2003/Q8-NHNN ngay

09/05/2003 cLla Thong doc Ngan hang Nha nU'oc Vi~t Nam tren CC1so hc;1Pnhat 02 To chuc

Un dl,lng da c6 nhieu nam h09t d¢ng hi~u qua la Cong ty tai chlnh co phan Sai Gon va Ngan

hang TMCP Nong thon 8a Nang.

Trai qua hC1nhC1n12 nam xay dl,fng va h09t d¢ng, den nay VietABank da phat trien Ion m9nh

theo mo hinh Ngan hang ban Ie voi m¢t m9ng lU'oi h09t d¢ng r¢ng khap ca nU'oc. 8en thai

"

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CONG TV TNHH MTV VANG B~C £>AOUy sAl GON - SJC

diem 31/12/2014, voi rmrc von dieu I~ vao khoang 3.098 ty dong, VietABank dU'qc danh gia

la Ngan hang TMCP co quy mo vua va nho tal Vi~t Nam ve von dieu I~, ve rnanq lU'oi heat

d(>ng cOng nhU' ve toc d(>tang trU'ang trong heat d(>ng kinh doanh. VietABank luon kien d!nh

voi chien luoc phat trien cua rnlnh, tl/ tin ma ra nhG'ng loi di rieng va tra thanh nqan hang tien

phong trong nhleu ITnh vue, Ngoai ra, voi phU'C1ngcham "£>~ng hanh cLIng khat vonq",

VietABank luon dong hanh voi cac Doanh nghi~p trong su' nghi~p phat trien kinh te ruroc nha

ngay canq ben vG'ng va phat trien.

1.3. Co ~u cO c76ng:Danh saeh cO c70ngnam girt tll 5% tra len von cO ph~n cUa NgAn hang

Tal thai diem 31/12/2015, so lU'qng co dong va Danh sach co dong nam giG' tLl'5% von co

phan cua Ngan hang nhU' sau:

SolU'qng co dang Ngan hang t~i thai diem 31/12/2015: 1916 co dong.

Danh sach co dong nam giG' tU' 5% tra len von co phan cua Ngan hang:

SLCP (cO phan)SLCP (co

phan)

Uy127 Tn/C1ng£>inh,0.3, TP.HCM

tInh Bac Ninh

3, X.Khac Ni~m, TP.Bac32.009.333

37.983.600

CC1cau co dong Ngan hang den thai diem 31/12/2015:

Ty I~ nam giCi .

Nguon: VIETABANK


CCNG TY TNHH MTV VANG BAC £>A QU)' sAl G6N - SJC

2. Cd cau b¢ may to eh(tc cua NgAnhang TMCP ViEjlt A

f)~1 HOIV6NG c6DONG

'VP H£JOT• IJI3 Till cun9 v,l O:""J tv, USOuan 'Y (\;, ro I

& un CI'"'.(~(i IV(:f\:" 'I,) Nt.,~n "",lr

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H¢ I f)('m G QUAN TAl !

r6NG GIAMeoc

·I~.tntt(lly I* P Ph.)p eht' ~,;G~ tu.:.1n1hu•P OUJn h~ conq chunq• P KH v,1N( (/)".1) IwfC

• UyB,mALCO• HOIdong Tin dung• HOI 1$1)119Xli ry I'lq• Ban DlJ an

Nguon: VietABank

B¢ may quan Iy cua Ngan hang nhanh nhay trong to chirc, chat che trong quan Iy, giamsat, cac b¢ phan c6 su' phoi hop nhlp nhanq cLIngnhau xay dl,J'ngdoanh nghi~p phat trienvung manh.

• £>~i h¢i d~ng eo dOng

Dai h¢i dong co dong la co quan c6 tham quyen cao nhat cua VietABank, quyet dinh

nhung van de thuoc nhlem Vl,Jva quyen han duoc Luat phap va Dieu I~ VietABankquy dinh.

• H¢i d~ng quan trj

H¢i dong quan tr] la co quan quan tri cLla VietABank, c6 toan quyen nhan danh

VietABank de quyet dinh cac van de lien quan den ml,Jc dfch, quyen Iqi cLlaVietABank, tru nhung van de thu¢c tham quyen cLla£><;iih¢i dong co dong.

H£>QTgiu vai tre dinh hU'angchien lU'qc,ke hO<;ichhO<;itd¢ng hang nam; chi d<;iOva

giam sat hO<;itd¢ng Ngan hang thong qua Ban dieu h~mhva cac Uy ban va H¢i dong.

.~..

G~N'Jl\G ~

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BAN CCNG 86 THCNG TIN

CONG TV TNHH MTV VANG B~C £lA QUY sAl GON - SJC

• Ban Ki~m soat

Ban Kiem soat la co quan giam sat heat d¢ng VietABank nharn danh gia chfnh xac

heat d¢ng kinh doanh, trnrc tranq tal chfnh cua VietABank.

Ban Kiem soat thuc hien kiem toan n¢i b¢, kiem soat, danh gia vi$c chap hann quy

dinh cua Phap luat, quy dinh n¢i b¢, £lieu 1$va nghi quyet, quyet dinh cua Dai h¢idong co dong, H¢i dong quan trio

Nhiern Vl,Jva quyen han cua Ban Kiem soat thuc hi$n theo quy dinh cua £lieu 1$vaphaplu$t.

• Cac BanlOy Ban thuec H£>QT:

Do HDQT thanh lap, lam tham rnuu cho H£lOT va Tong giam doc trong viec quan tr]

ngan hang, thuc hlen chien 1U'c;1c,ke hoach kinh doanh; dam bao su phat trien hi$u qua,an toan va dung muc tieu da de ra. Hien nay, Ngan hang c6 cac Ban/Uy ban, bao gam:

Oy Ban Trn dl,Jngva £>~utu: c6 chtic nang tU'van cho Ngan hang trong vi$c ban

hanh cac quy trinh, chfnh sach lien quan den hO'iltd¢ng Tfn dl,Jngva £lau tU'theoquy dinh cua Phap lu$t va Dieu 1$Ngan hang.

Oy Ban Chi~n luc;:ICva NhAnSI!: c6 chtic nang tU'van cho Ngan hang cac van de ve

chien 1U'c;1cphat trien ngan hang ngan - trung va dai h'iln, chien 1U'c;1cquan Iy va phat

trien nguon nhan II,I'Cde phat huy cao nhat stic m'ilnh cua nguon nhan Il,I'c,phl,Jcvl,Jhi$u qua cho nhu cau phat trien cua Ngan hang.

Oy Ban ve quan Iy rui ro: c6 chtic nang tU' van cho Ngan hang trong vi$c ban

hanh cac quy trinh, chfnh sach lien quan den quan tri rui ro trong hO'iltd¢ng Ngan

hang theo quy dinh cua Phap lu$t va £lieu 1$Ngan hang. Quan Iy cac rui ro tronghO'iltd¢ng Ngan hang.

• T6ng giam c7oc:

La nguai chiu trach nhi$m trU'ocH£lQT, trU'ocphap lu$t ve hO'iltd¢ng hang ngay cua

Ngan hang. He>trc;1cho Tong Giam doc la cac Ph6 Tong giam doc, Ke toan trU'angva b¢may chuyen man nghi$p vl,J.

• Cac Phong ban nghi~p vI:!NgAn hang

Oy ban quan Iy tai san n<;1& Tai san c6 (ALCO): Thong qua vi$c quan Iy cac rui ro

trong hO'iltd¢ng cua ngan hang nhU':rui ro ve lai suat, rui ro thanh khoan, rui ro

ngo'ili hoi, rui ro Un dl,Jng,rui ro ve thanh toan, va nhung rui ro khac c6 the xay ra.

Uy ban ALCO c6 trach nhi$m dU'ara cac quyet dinh chien 1U'c;1cve quan Iy tai san

Nc;1,tai san C6 rna ngan hang c6 the chap nh$n tren co so d6 chu d¢ng dieu chInh

ke hO'ilchva phU'ongan kinh doanh phu hc;1Pvoi bien d¢ng cua thi trU'angtai chfnh


CONG TV TNHH MTV VANG B~C £>A QUY sAl GON - SJC

tien t~ nharn dam bao toi uu h6a Iqi nhuan nhlfng van phal tuan thu cac quy dinhphap Iy dlfqc HDQT phe duyet.

Ban DII an Core Banking: Dlfqc I~p ra de xay dl/ng va lien tuc duy trl, phat triencac ung dunq cho Core Banking System cua ngan hang.

H¢i "~ng tfn dl:'ng: H9i dong c6 crurc nang xem xet, quyet dinh phe duyet trong viec

cap tin dunq, mien giam lai tien vay trong tharn quyen theo quy dinh hi~n hanh cua

VietABank trong Wng thai ky va chi dao kiem tra, kiem soat vi~c quan Iy cac khoan

tin dunq, tham rnuu, tu van cho HDQT trong hoat d9n9 dau tu, kinh doanh.

H¢i "~ng XLI Iy n<;l: Dlfqc thanh I~p nharn tham rmru cho HDQT va Tong giam doc

trong heat d9n9 quan tr! va heat d9n9 xu Iy nc c6 van de theo tham quyen dlfqc

quy dinh trong h~ thong va phe duy~t cac phlfang an xu Iy nq doi vai cac khoan nqc6 van de phat sinh trong ho~t d9n9 cua VietABank.

Phong Phap ch~ & Giamsat TuAnthu: Tham mlfu cho Ban Tong giam doc nhCi'ngvan

de ve phap lu~t lien quan den ho~t d9n9 cua Ngan hang, tham dinh tinh hqp phap cua

tat ca cac van ban do Ngan hang (Ph6ng/Bancua H9i Sd) ban hanh. Dong thai, thl/C

hi~n cac thu tl:'c phap Iy lien quan den mua/ban tai san co dinh (nha, dat), md r9ng

m~ng Ilfai, bo sung, sua doi chuc nang kinh doanh cua Ngan hang va cac chuc nang,nhi~mvI:'khac do BanTong Giamdoc quy d!nh theo tU'ngthai kYoPhong Quan h~ cOng chung: Thl/C hi~n chuc nang quan Iy va phat trien thlfang

hi~u VietABank, tham gia vao qua trinh nghien cuu, xay dl/ng va trien khai tren

thl/c te cac san pham, dich vI:'mai, thl/c hi~n cac chlfang trinh truyen thong tiep thi

de quang ba cho cac san pham va d!ch vI:' cua cac khoi, h6 trq ho~t d9n9marketing cho cac chi nhanh va cac ngan hang thanh vien va quan Iy h~ thongnh~n di~n thlfang hi~u cua VietABank tren toan h~ thong...

Phong KH & NC chi~n IlI<;Ie:Tham mlfu eho Tong Giam Doc ve Cong tac xay dl/ng

va thl/C hi~n chien Ilfqc cua Ngan hang, Bao cao tong hqp va phan tich ho~t d9n9

eua VietABank va cac dan vi kinh doanh, dong thai h6 trq cac dan vi phat trien kinhdoanh thong qua cac khuyen ngh!.

Ban tr<;lly: Thl/C hi~n theo d6i.tien d9 thl/C hi~n cac chi d~o cua Ban Tong Giam

Doc va bao cao thong tin phan hoi W cac dan vi trl/c thu9C cho Ban Tong Giam

Doc biet, thl/c hi~n chuc nang hanh chfnh va cac cong vi~c khac do Ban Tong giamdoc quy dinh.

Va Cae phong ban nghi~p v~ khae c6 lien quan.

BAN CONG 86 THONG TIN

CCNG TV TNHH MTV VANG BAC DA QUY sAl GON - SJC

3. Bao cao ket qua hoat CfQngsan xucttkinh doanh narn 2013 va narn 2014

3.1. Hoat dQngkinh doanh narn 2013 va nam 2014

3.1.1. san ph§m, dich vl:l cua NgAnhang

.. ~ hoat dQng huy dQngvon:

Ngan hang thuc hien huy d(mg von ngan, trung va dal han theo cac hinh thirc nhan tiem

gui tiet kiem, tien gui thanh toan, chung chi tien gUi; tiep nhan von uy thac dau tu: nhanvon W cac to chuc tin dl:'ng trong va ngoai nU'C1c.Nguen von huy d9n9 bao gem:

Nguen huy d9n9 W cac To chirc kinh te va dan cu. bao gem:

+ Tien gui thanh toan ca nhan va doanh nghi~p: ta leal tien gui khong ky han, dU'qc

hU'dnglai suat khong ky han va dU'qcsu dunq de thuc hi~n cac giao dich chuyen

tien thanh toan qua Ngan hang bao gem cac IOCilitien gui bang VND, USD va vang.

+ Tien gui c6 ky hCiln:la IOCilitai khoan tien gui dU'qcsu dl:'ng vC1iml:'c dich chu yeu

de hU'dng lai can cu vao ky hCilngUi, gem cac IOCilitiet ki~m VND, USD va vang.

+ Tiet ki~m dt! thU'dng: Tuy vao nhu cau nguen von hOCiltd9n9, VIETABANK c6 the

to chuc huy d9n9 von dU'C1ihinh thuc tiet ki~m dt! thU'dng, khi d6 ngU'ai gui tienngoai khoan lai tien gui dU'qchU'dngcon c6 cac Cdh9i trung thU'dngmay man.

+ Cac chung chi tien gui khac: la cac IOCilihinh san pham tiet ki~m khac ma Nganhang cung cap tCilOdieu ki~n ti~n fch nhat cho khach hang.

Nguen von vay NHNN va cac To chuc tin dl:'ng khac.

Nguen von tien gui cho Kho bCilCNha nU'C1cva cac To chuc tin dl:'ng khac.

dII ~ ho~t dQng trn dl:lng

Chu yeu la cac san pham ve cho vay ngan, trung va dai hCiln;chiet khau thU'dng phieu,cong trai va giay to c6 gia. Cac nghi~p vI:' tin dl:'ng chfnh bao gem:

Cho vay phat trien san xuat, kinh doanh: la tai trq von cho khach hang nham dapung nhu cau von cho san xuat, kinh doanh hang h6a va dich vI:'.

Cho vay dau tU'dt! an nhU':cho vay den bu giai toa, cho vay xay dt!ng Cdsd hCiltang(di~n, nU'C1c,dU'angxa, cau, cau cong).

Cho vay xay dt!ng nha xU'dng, mua sam may m6c thiet bi, cho vay xay dt!ng cao ocvan phong, chung CU'.

Cho vay phat trien kinh te nang nghi~p: la tai trq cho khach hang d khu vt!c nang

than nham dap ung nhu cau cho san xuat nang nghi~p, cac nganh nghe kinh doanhhang h6a va dich vI:' nang nghi~p.

Cho vay tieu dung: la tai trq von cho khach hang nham dap ung nhu cau sinh hOCilt

tieu dung nhU':mua sam v$t dl:'ng sinh hOCiltgia dinh, d6ng h9c phi du lich, ...

-i;]-c:;fl-

BAN CCNG B6 THCNG TIN

CONG TY TNHH MTV VANG B~C £>A QUY sAl GON - SJC

Cho yay mua bat d9n9 san: la tal tro v6n cho khach hang nharn bo sung phan v6n

thieu hut trong xay dl/ng, sua chO'a nha cira, vat kien true, thanh toan tien mua bat

d¢ng san.

Tai tro nhu cau v6n ngan han,

Tal tro xuat nhap khau.

4, va hoat <19n9bao lanh:

Bao tanh thuc hien hop dong: Bam bao kha nang va ke hoach thuc hlen hop dong

cua khach hang neu hop dong dU'c;1cky ket.

Bao lanh du' thau: ta bao lanh cho doanh nghi$p dang chuan b] tham gia vao dot dau

thau, giup cho doanh nghi$p co du dieu kien tham gia vao mot giao dich dau thau

rna vlec phai co bao tanh cua Ngan hang la bat bU9C theo yeu cau cua chu thau.

Bao lanh thanh toan: Bao lanh voi ben th(f ba ve vi$c cam ket S8 thanh toan thay

cho khach hang trong trU'ang hc;1Pkhach hang khong thl/c hi$n ho~c thl/c hi$n khong

day du nghTa vl,l cua mlnh khi den h<;ln.

Bao lanh yay v6n: la phat hanh bao lanh cho ben th(f ba khac ve vi$c cam ket tra nc;1

thay cho khach hang trong trU'ang hc;1Pkhach hang khong tra nc;1,ho~c khong tra nc;1day du, dung h<;ln.

.. Cac dich vl:f chuyen ti"en:

Chuyen tien trong nU'oc: Thl/c hi$n d!ch vl,l chuyen va nh$n tien theo yeu cau cua

khach hang t<;licac tTnh thanh tren lanh tho Vi$t Nam;

Chuyen tien trong cLIng h$ th6ng;

Chuyen tien ngoai h$ th6ng;

Chuyen tien ngan hang lien ket d!ch vl,l;

Chuyen tien ra nU'oc ngoai: Thl/c hi$n cac d!ch vl,l nham ho trc;1khach hang chuyen

tien, ngo<;li t$ ra nU'oc ngoai de su dl,lng vao ml,lc drch cong tac, thanh toan tien

hang, du h<;>c,...

Chuyen tien W nU'oc ngoai ve Vi$t nam: nh$n tien chuyen ve cua khach hang dang

sinh s6ng, lam vi$c 0 nU'oc ngoai cho ngU'ai than thong qua cac cong ty kieu h6i,

cong ty chuyen tien.

Nghi$p vl,l kinh doanh yang, ngo<;li t$.

D!ch Vl,l the ATM, d!ch vl,l chi h9 lU'ong, d!ch vl,l SMS banking.

Cac nghi$p vl,l Ngan hang khac: lam d!ch vl,l thanh toan giO'a cac khach hang, cung

cap cac d!ch vl,l ve dau tU'...


Nf

'G,~Ip.

,V

CONG TV TNHH MTV VANG BAC f)A au)' sAl GON - SJC

3.1.2. Cac mang hoat d¢ng kinh doanh ehu y~u

3.1.2.1. Hoat d¢ng huy d¢ng von

Don v] tfnh: tri$u dong

Khoan rnuc31/12/2013

So dU'

31/12/2014 30106/2015

Cac khoan nq Ngan hang

Nha nU'C1c ~ 109.436 0,35%

So dU'

Von tai. tro, .uy thac dau

tU' cho vay TCTD

Tien gui va vay To chrrc

tin dl:lng khac4.280.650 18,48% 11.636.501 36,90%

KH (to62,72% 21.493.155

I

64.490 12.431

23.167.214

Nguon: BGTGKT nem 2014 va BCTG 06 thfmg aau nem 2015 cue VIETABANK

T9i thai diem cuoi narn 2013, tong nguon von huy d9n9 cua VIETASANK dat 23.167 ty dong.

Trong d6, nguon von huy d(>ng ttl to clurc kinh te va dan cu dat rmrc 18.822 ty dong, chiern

ty tronq 81,24% trong tong nguon von huy d9n9. Ngan hang da han che huy d9n9 von ttlTCTD khac cOng nhU' huy d(>ng von thong qua phat hanh giay ta c6 gia, hoat d(>ng nay chi

cniern 18,76%1 tong nguon von huy d(mg. Narn 2014, so duohuy d(>ng cua VIETABANK dat

31.538 ty dong, tang 8.370 ty dong so VC1inarn 2013, vuot chi tieu ke hoach la 18%; trong d6

huy d9ng ttl to chtrc kinh te va dan cU' d9t 19.779 ty dong, tang 5% so vC1inam 2013. Nhln

chung, tinh hinh thanh khoim cLla Ngan hang nam 2014 kha tot, luon dam bao ty 1$an toan

trong thanh khoan theo quy d!nh cLla NHNN.

T9i thai diem 30106/2015, nguon von cLla VIETASANK tiep tl:lCduy tri dU'qc muc tang trU'dng,

co cau theo hU'C1ngduy tri huy d(>ng ttl tien gui va vay TCTD khac, tang tien gui cLla to chuc

kinh te va dan cU'.

Cd cau von huy d¢ng tlt cae kenh thj tnll1ng

---,RI"'=

Nguon von huy d(>ng

DOn v! tinh: ty dong

31/1212014.,I

Nguon: BGTGKT nam 2013,2014 cua VIETABANK

SAN CONG s6 THONG TIN

CCNG TV TNHH MTV VANG B~C fJA QUY sAl GON - SJC

Hoat d9n9 huy d9n9 von cua VIETABANK chu yeu tap trung a th! trU'ang 1 thong qua cacloai hinh tien gui cua khach hang. fJ~c biet, VIETABANK tiep tuc day rnanh huy d9n9 W th]

trU'ang nay vao narn 2014, gia tr] huy d9n9 W khach hang tang dan qua cac narn. Sl,I'giatang nay cOngcho thay hoat d9n9 huy d9n9 von cua VIETABANK da phat trien theo chieuhU'angben vO'ngva an toan han.

3.1.2.2. Hoat dQng tln dl;Jng

oon vi tfnh: tri~u dongKhoan muc 31/12/2013 31/1212014 %+,- 30/06/2015[Iong dU'no cho yay f~,388.442 15.821.970 9,96% 16.979.795.1

"q" ,,"""'II' "c.

(1'92.885)Dl,I'phong .1J'1l (188.786) (2,13)% (209.349), ~~DU'n<;1cho yay thuan I 14.195.556 15.633.183 10,13% 16.770.446

DIJ'n<;1cho vayNon huy <19n9 62;11% 50,17% (19,22)% 1~50,97%LDl!.;!_n<;1.chovaylTong tai san ,

53,23% 44,46% (16,48),,%11 :J! 45,34%~.TYI~ n<;1x~.u(NPL) ~_ll2,88% 2,3~%][ (19,1)% -'_1,7J2%.J

Nguon: BGTGKT nem 2014 va BCTG 06 thang dau nem 2015 cue VIETABANK

TongdU'nil cho vay thuan bien d9n9 kha on d!nh trong giai dean 2013 - 2014 va mra daunarn 2015 vai toc d9 tang trU'ang tin dl,lng thap. Nguyen nhan chu yeu ta do anh hU'angW

tinh hinh kh6 khan chung cua nen kinh te khi ma ty I~ n<;1xau toan h~ thong tang cao c9n9

them 51/ c~nh tranh gay gat W cac ngan hang khac. T~i thai diem 31/12/2014, tong dU'nq

cho yay sau dl/ phong rui ro d~t 15.633 ty dong tang 1.437 ty dong, tU'angung 10,13% so

vai nam 2013, chiem 44,46% tong tai san va 50,17% tong nguon von huy d9n9. Vao cuoi

thang 6/2015, ty I~ tren van chU'ac6 sl,l'bien d9n9 nhieu, vai ty I~dU'n<;1cho yay trElnvon huyd9n9 d~t 50,97% va ty I~ dlJ'nq cho yay tren tong tai san la 45,34%.

Ho~t d9ng tfn dl,lng cua VIETABANK phat trien theo hU'angngan hang ban Ie khi ty tn;>ng

cho yay ca nhan va h9 kinh doanh ca the tang dan qua cac nam. Ho~t d9n9 tin dl,lng eua

Ngan hang eOngngay cang ehuy€mmon h6a trong cho yay cac to chuc kinh te, ca nhan

trong nU'ac va trong nam 2014. DU'nq eho yay t~p trung chu yeu vao cac nganh tr9ng diem

nhU'nganh go, di~n W, ca khf va d!ch Vl,l,bat d9n9 san..Xet ve co cau dU'n<;1,dU'n<;1bang

VND chiem 93% va tang 2.084 ty dong so vai nam 2013, dU'n<;1bang USD chiem 3,7% vagiam 22 ty dong so vai nam 2013.

T~i thai diem 31/12/2014, ty I~ nq xau eua VIETABANK ehl chiem 2,33%, giam 0,55% so vai

nam 2013 nha vi~c gia tang xu Iy nq bang quy dl! phong, nh~n tai san can tni nq, va ban bOt

m9t phan nq xau. fJieu nay da lam ty I~ n<;1xau eua Ngan hang giam dan trong thai gian qua.De kiem soat nq xau, VIETABANK tiep tl,lCthl,l'chi~n nghiem tuc Thong tU' so 02/20141TT

NHNN va Thong tlJ'so 09/20141TT-NHNNve vi~c phan lo~i n<;1doi vai nq dU'qcdieu ehlnh kyh~n tra n<;1,gia h~n nq va tlch el/Cca cau I~i n<;1,m~t khae ho tr<;1khaeh hang tiep e~n tin dl,lng

~N.'cor 1

,-l'


CONG TV TNHH MTV VANG BAC £>A QUY sAl GON - SJC

voi Iai suat thap han va tiep toe m(1r¢ng tfn dl,lng theo rmrc tang trU'(1ngrna NHNN quy d!nh.

Den thol diem 30106/2015, khoan trfch I~p dl/ phong cho cac khoan yay dua tren ket qua

phan loai no cua VIETABANK dat 209.349 trieu dong, tang 10,89% so voi 56 du trfch I~p

cu6i narn 2014 chu yeu do ngan hang gia tang cac bien phap XLrIy no trong thC1igian qua.

3.1.2.3. H09t ~¢ng kinh doanh v6n tr6n thj tn/~ng 1i6n ngAn hang

Tfnh den thC1idiem 31/12/2014, Tong 56 du' tie!n gLri tai cac TCTD khac cua VIETABANK

dat han 2.069 ty dong. Day la khoan tie!n gLri de phuc vu cho rnuc dfch thanh toan bu tnr

giG'a cac ngan hang. Ty I~ HemgLri cac to chirc tfn dl,lng khac chi chiern 5,81 % tren tong

tal san narn 2014. Day la rmrc an toan, dLfqc chap nhan trong heat d¢ng thanh toan bu

tnr giG'a cac ngan hang. Trong narn 2014,VietABank da can d6i l<;Iidanh ml,lc tien gLri lien

ngan hang theo hLfong dieu chinh tang nh~ quy mo hO<;ltd¢ng tren th! trLfC1nglien ngan

hang nhLfng van bao dam cac chi 56 kha nang chi tra (1muc an toan va hqp Iy cOng nhLf

thl/c hi~n tuan thu day du theo quy d!nh cua NHNN ve dl/ trG' bat bu¢c.

Vao thC1idiem 30106/2015, hO<;ltd¢ng kinh doanh cua Ngan hang van tiep tl,lC dLfqc duy

trion d!nh voi cac chi 56 ve kha nang chi tra luon d<;lt(1muc an toan va h<;1pIY.

Chi tiet 56 dLf cac khoan tien gLri va cho yay t<;liTCTD khac:

£Jonvi tfnh: tri~u dongKhoan ml,lc 3111212013 31/1212014 % (+1-) 30/06/2015Tien"lbui t<;li-iCTD 'I~ ~~'-~

2.069.023-1'!VH_~

1.826.~1.255.826IJ 64,75%r Cho yay cacTCTD k~ac - -I - 281.749lTy I., tr6n T6pg tai san I 5,81% 1 16;'2% I~ -5% 5,63%

Nguon: BCTCKT nam 2014 va BCTC 06 thang aau nam 2015 cua VIETABANK3.1.2.4. HO<;lt~¢ng djch vl:I

Voi d!nh hLfong nham tang t6c phat trien hO<;ltd¢ng dich Vl,l de t<;lOnen tang thu nh~p on

d!nh, VIETABANK da t~p trung toan Il/c cho cac dl/ an lon, tang cLfC1nglien ket voi cac T~p

doanlTong cong ty trien khai cong tac ban hang tn;>ng6i, Lfu tien phat trien cac san pham

hi~n d<;li,dap ung t6t xu the th! trLfC1ngva giam phl,l thu¢c vao hO<;ltd¢ng tfn dl,lng bang cac

chLfang trlnh khuyen mai phu h<;1pd~c tfnh vung/mien gia tang cac hO<;ltd¢ng thanh toan

khong dung tien m~t, tiet ki~m chi phf giao d!ch t<;liquay.

i. H09t ~Qng the

M~c du kinh doanh the van con g~p nhieu kh6 khan nhU'ng VIETABANK van quyet tam chu

tr9ng den cong tac phat trien the, khong ngung tang thu hut ILf<;1ngkhach hang tham gia va

tang doanh 56 thanh toan qua the bang nhieu giai phap. Cac d!ch vl,l the ngay da d<;lnghan

nhLf thu phf truyen hlnh cap, tien di~n, cac the dong thLfang hi~u ... Tfnh den ngay

31/12/2014, 56 the hO<;ltd¢ng la 14.990 the, d<;lt96% so voi ke hO<;lchde ra, tang 4.739 the

so voi 56 ILf<;1ngphat hanh trong nam 2013.

r\II

Ii


CONG TY TNHH MTV VANG BAC £)A auy sAl GON - SJC

ii. Heat dQngthanh toan qu6e t~

Doanh sO'thanh toan qu6e te trong nuoc dat gan 81 trieu U8D, tang 2 trieu U8D so vai narn

2013 tU'angung vai mire tang 2,53%.Tuy neat d(mg L/C giam bdi kh6 khan ttl cac doanhnghi$p nhU'ngnha cac chlnh sach phi linh hoat, thu phi thanh toan qu6c te cua VIETABANKv~n tang 26% so vai narn 2013.

iii. Hoat dQngngAn hang di~n tll

Dich vu Ngan hang di$n tU dang phat trien rnanh me vai sO'lU'c;mgkhach hang IB tang han

han so vai cunq ky narn tnroc, H09t d¢ng c6 nhieu buoc doi mai, t90 buoc ngo~t phat triencho San pham dich vu trong thai dai cong ngh$ sO'h6a. Dt! an eBanking da hoan thanh tren

ca 3 kenh: Internet Banking, Mobile Banking va 8M8 Banking, trien khai crurc nang eLC.

Trong vong chua den 02 narn, VIETABANK da trien khai nhieu tien ich vuot tr¢i ve D!ch vl,l

ngan hang hi$n d9i va vinh dt! dU'qcbinh ch9n vao Top 10 Ngan hang di$n tU dU'qcquan

tam nhat 2014 trong sO'29 Ngan hang tham gia trong chU'angtrinh binh ch9n My Ebank dot9p chi VN Express to chuc.

3.1.2.5. Ho~t dQngdau tll

31/1212013

£)anv! tfnh: tri$u dong

30/06/2015

S6dll

Nguon: BCTGKT nam 2014 va BCTG 06 (hang dau nam 2015 cua VIETABANK

T9i 31/12/2014, Tong s6v6n VIETABANK su dl,lng cho h09t d¢ng dau tU'chung khoan va

g6p v6n dau tU'la 12.032 ty dong, chiem 33,80% tong tai san cua Ngan hang t9i 31/12/2014.

T9i thai diem 31/12/2014, chung khoan dau tU' chiem ty tr9ng Ion nhat trong danh ml,lc

chung khoan dau tU'cua VIETABANK vai ty 1$la 100% (vai 88% chung khoan dau tU'sansang de ban va 13% chung khoan dau tU'giG'den ngay dao h9n).

Tfnh den thai diem 30106/2015, Tong s6v6n VIETABANK su dl,lng cho h09t d¢ng dau tU'

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I'chung khoan va g6p von dau tu la 12.041 ty dong, chiern tY tronq 32,15%/tong tal san. Nhin

chung, cac khoan dau tu chung khoan tal VIETABANK tap trung chu yeu vao chung khoan

no, rna d~c biet la chung khoan no do cac TCTD khac trong ruroc phat hanh,

Heat d(mg g6p von, dau tU'dai han cua VIETASANK chiern ty tronq rat thap trong heat d9n9dau tu; tap trung CJ m9t so nganh nghe nhU' chung khoan, dlch vu, tal chfnh, kinh doanh bat

d9n9 san. Trong d6, chu yeu la cac khoan dau tu g6p von vao ITnhvue chung khoan. Ty I~

g6p von dau tu' dal han vao cac cong ty cua VIETABANK tuan thu quy d!nh cua Thong tu13/2010m-NHNN ve giai h~n g6p von.

3.2. Ket qua ho~t <1Qngkinh doanh nam 2013 va 2014 cua VIETABANK

T6m tat chi tieu ve hO;;it<1Qngsan xu§t kinh doanh cua NgAn hang nam 2013 va 2014

£Jon vj ffnh: fritJu Gong

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Nguon: Be TeKT nam 2014 va BeTe 06 thang dau nam 2015 cua VIETABANKYkien nhan m€1nhcus kiem loan

Trong Sao cao tai chfnh kiem toan hc;1Pnhat nam 2014 cua Ngan hang TMCP Vi~t A, Tochuc kiem toan c6 dU'a ra cac van de can nhan m~nh nhU' sau:

T~i thai diem 31/12/2014, Ngan hang c6 m9t so khoan nc;1nam trong de an tai co cau da

dU'c;1cNHNN phe duy~t 19trinh xli 19den het nam 2015. Trong d6, m9t so khoan nc;1dU'c;1c

ban cho VAMC vao ngay 22/04/2015 va m9t so tai khoan nc;1dU'c;1cban cho m9t dan v! c6

chuc nang mua ban nc;1vao ngay 05/01/2015. Do d6, Ngan hang khong ap dl,lng chfnh

sach phan lo~i nc;1va trfch I~p dl! ph6ng rui ro cho cac khoan nc;1nay theo chfnh sach ke toan

dU'c;1ctrinh bay trong thuyet minh khi I~p bao cao tai chfnh hc;1Pnhat nay.

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Tfnh den 31/12/2014, voi nhieu n6 luc heat d(mg de duy trl su tang trU'ang tai san, tong

tal san cua VietABank dat 35.590 ty dong, tang 31,66% so voi narn 2013. Tang tnfang

cua tong tal san chu yeu tap trung a chung khoan dau tu voi rrurc tang 5.657 ty dong,tang 96,6%/nam so voi narn 2013 va khoan rnuc tien gU'iva cho yay cac to chirc tin dl,lng

khac tang 64,75%/nam so voi narn 2013. Tai thai diem 30106/2015, tong tal san v~n

trong xu hU'ongtang nhe, dat 37.452 ty dong. M~c du tong tal san deu gia tang qua cacnarn nhU'ng toc d(>tang trU'ang trong tung khoan muc tal san thap so voi cunq ky narnngoai chu yeu la do tin dl,lng tang trU'angthap.

Thu nh?p kinh doanh cua VietABank phan Ion den W cac heat d(>ngchiu lai (blnh quan

den 2014 chiern khoang 87,0% tong thu nh~p hoat d(>ng)phu hop voi co cau tal san. Tai

thai diem 30106/2015, thu nh~p lai thuan d~t 251 ty dong, tang 66,23% so voi cung ky

nam ngoai. Thu nh~p W cac ho~t d(>ngd!ch vl,l blnh quan chiem khoang 12,4% trong

nam 2014. Cac khoan thu nh~p/(16)W kinh doanh ngo~i hoi va dau tU'tai chlnh chiem tytr<;mgnh6 trong co cau thu nh~p.

Chi ph! hOljltd9ng cLla VIETABANK phan Ion la chi phi nhan vien, chi phi khau hao va

cac chi phi ho~t d(>ngkhac nhU'chi phi thue van phong, chi phi quang cao thU'ong hi$u,

chi phi sU'a chG'a cac don v! ho~t d(>ng. Vi$c ma r(>ngm~ng lU'oi bang cach thue van

phong thay VI mua dat xay van phong dU'<;1cxem la hU'ongphat trien phu h<;1pnham ml,lc

dlch nang cao hi$u qua vi$c sU'dl,lng dong von kinh doanh, giam chi phi dau tU' Ion vathu hoi von trong thai gian ngan.

VB L¢ nhu?n sau thue:Tlnh den 31/12/2014, l<;1inhu~n sau thue cua Ngan hang d~t 47,49

ty dong, giam 20,98% so voi nam 2013. Nguyen nhan chlnh cua vi$c giam l<;1inhu~n sau

thue nam 2014 la do tran lai suat huy d(>ngnam 2014 ma Ngan hang Nha nU'occong bo Sl,lt

giam, d~n Wi lai suat huy d(>ngva cho vay treln th! trU'ang sl,lt giam khoang 1% - 1,5%;

VietABank cOngda tien hanh dieu chTnhlai suat huy d(>ngva cho yay; Trong khi cac khoan

vay phai dieu chTnhngay lai suat thl cac khoan tien gU'iky h~n dai v~n giG'nguyen lai suat

den dao h~n lam cho chenh I$ch lai suat dau vao va dau ra giam thap. Dong thai, vi$c miE§n

giam lai cho khach hang de tich cl,J'cxU'Iy n<;1qua h~n cOngnhU'vi$c tang trlch I~pdl,J'phong

rui ro cho cac khoan n<;1trong nam 2014 da thuc day nhanh qua trlnh tai co cau, la m(>ttrong

cac nguyen nhan lam l<;1inhu~n giam sut trong nam. Tuy nhien, trong 06 thang dau nam

2015, l<;1inhu~n sau thue t~i VIETABANK c6 sl,J'tang trU'angm~nh. Dieu nay do sl,J'gia tang

l<;1inhu~n 33 ty dong W khoan ml,lcchung khoan dau tU',d~c bi$t la cac chung khoan n<;1do

cac TCTD khac trong nU'ocphat hanh.


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CCNG TV TNHH MTV VANG BAC £>A QUY sAl GCN - SJC

3.3. Nhrtng nhAn t6 anh hl1C1ngden hoat d¢ng san xu§t kinh doanh cua NgAn hang trongnam bao cao

Kinh te vi mo narn 2014 dien bien theo hU'dngtlch Cl/C, GOP dat rrurc tang trU'dng5,98%

cao hen so vdi narn 2013 va vuot ke hoach de ra, CPI duoc kism soat va chi tang 1,84%,

thap nhat trong vonq hon 10 narn qua, chi so san xuat cong nghi$p tang, tong mire ban

Ie hang h6a va doanh thu dich vu toan xa h9i dU'qccai thlen, tin dunq tang trU'dng dung

rnuc tieu da de ra, mat bang lai suat da giam W 1,5-2% so vdi narn 2013, ty gia dU'qc

kism soat tang d mire 2%, du' tru nqoai t$ tang rnanh, thanh khoan VNO cua toan h$thong ngan hang tiep tuc dU'qcdam bao va du thira.

Tuy nhien, tinh hinh kinh te v~n con c6 nhung kh6 khan nhat dinh do la: th] trU'ang bat

d9ng san v~n chU'ac6 dau hi$u khdi sac, suc hap thl:! von cua nen kinh te chU'acao, ho~t

d9ng san xuat kinh doanh cua hau het cac doanh nghi$p con nhieu kh6 khan, nq xauchU'adU'qcgiai quyet tot.

SI/ h9i nh$p va md cua cua nganh ngan hang t~o dieu ki$n cho cac to chuc tin dl:!ngnU'dc

ngoai phat trisn t~i Vi$t Nam. Nguon von W cac to chuc tin dl:!ngnU'dcngoai gay ap II/c e~nh

tranh len toan b9 h$ thong tin dl:!ngeua Vi$t Nam va t~o ra m9t so kh6 khan trong m9t somang ho~t d9n9 eua cac Ngan hang e6 quy mo vaa va nhe nhU'VIETABANK.4. Cac chi tieu tai chfnh chu yeu

31/1212013

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(sO' dU' cac khoan cho vay va ung trU'ockhaeh hang + cac khoan cho vay cac tochuc tin dl:!ngkhac)[J;ongtai.san

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5.2. Cac giai phap thl/c hi~n ke hoach:

5.2.1. Thl/c hi~n c1e an tal co c8U toan h~ thong:

Tri~t <16xli Iy nc;lx§u

- Tang cU'angtrlch I~p dl,f phonq va su dl,mgquy dl,f phong rui ro de xu Iy nq xau;

- Phoi hop vdi cac flon v] kinh doanh ngan chan cac khoan no xau phat sinh them;

- Cac Den v! kinh doanh chu d¢ng day nhanh tien d¢ giai quyet ho so da khai kien, thi

hanh an tal toa an va co quan thi hanh an cac cap.

COngtac phap che, ki6m tra, ki6m toan va quan t~ rui ro

- Tiep tuc thuc hlen cong tac kiem tra, kiem toan n¢i b¢ dlnh ky va d¢t xuat cac hoat

d¢ng nham dam bao heat d¢ng kinh doanh cua VietABank an toan;

- Tiep tI,Jcra soat, c~p nh~t va sua doi cac chfnh sach, van ban nghi$p vl,Jcua VietABank

cho phu hqp vdi hOi?td¢ng kinh doanh Ngan hang va thay doi cua moi trU'angkinh

doanh, phap IY,...nham dam bao cong tac phap che dU'qcxay dl,fngva thl,fChi$n nghiem

a tat cac m~t hOi?td¢ng kinh doanh cua VietABank, an toan va tuan thu,... ;

Khoi Quan tr! rui ro da trien khai thanh cong cac hOi?td¢ng ho trq tin dl,Jng,ti?Odieu

ki$n flon v! Kinh doanh t~p trung tiep th! khach hang va phat trien kinh doanh:

+ Hoan thi$n cac van ban, hqp dong, mau bieu lien quan den cap tin dl,Jng;

+ Kiem soat va dam bao flon v! Kinh doanh thl,fc hi~mtuan thu dung quy d!nh, quytrlnh cua VietABank khi thl,fc hi$n cac nghi$p VI,J cap tin dl,Jng.

COngtac phat tri6n kinh doanh va phat trian m~ng IUdi

- T~p trung vao phan khuc khach hang Ooanh nghi$p Idn, khach hang Ooanh nghi$p

vua va nhe c6 hOi?td¢ng san xuat kinh doanh, thU'ongmi?i, d!ch VI,J; Ma r¢ng lien ket

vdi H¢i doanh nghi$p tre va cac hi$p h¢i nganh nghe; khach hang ca nhan vdi hOi?t

d¢ng cho vay tieu dung, ket hqp nhieu san pham lien ket vdi cac doi tac; U'u tien khai

thac va phat trien tin dl,Jng10 nganh tr9ng tam cua Khoi Khach hang doanh nghi$p;

- Tham gia tai trq cac dl,f an theo cac chU'ongtrlnh phat trien tin dl,Jngcua Chfnh phu vaNgan hang Nha nU'dc;

- Tang cU'angti$n fch thanh toan, phat trien d!ch VI,J thanh toan de tang lU'qnghuy d¢ng

khong ky hi?nva tang thu d!ch vl,JNgan hang;

- U'utien khai thac va phat trien tin dl,Jng10 nganh tr9ng tam cua Khoi Khach hang ON;

- VietABank tiep tl,JCtoi U'uh6a hi$u qua hOi?td¢ng cua cac mi?ng lU'diphan phoi, dongthai thiet ke Ii?imo hlnh Chi nhanh, Phong Giao d!ch phu h<;1pvdi cac d6i tU'<;1ngkhachhang. Ol,fkien nam 2016, VietABank se rna mdi them 5 diem, nang tong 56 diem hOi?t

d¢ng len 90 diem khi c6 dieu ki$n thu~n Iqi va dU'qccap phep bai NHNN ti?i m¢t so

Tinhl Thanh pho, Trung tam kinh te chfnh tr! Idn nhU':Hai Phong, Bac Ninh, Ha N¢i...

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CONG TV TNHH MTV VANG BAC £)A QUY sAl GON - SJC

~ t6 chU'cva quan Iy t1aotao nguon nhAnh!c

Tiep tuc ki~n toan b9 may to chuc theo rno hinh quan Iy tap trung, trien khai thanh

cOngcCI cau to chirc hoat d9n9 chuyen mOnh6a theo mOhinh Khoi;

- Quy hoach nhan Sl,fke thU'atren toan h~ thong bao gom: 19trinh cOngdanh; lieu chuan

cho tU'ngchirc danh; ke hoach dao tao phat trien de dap Cl'ngtieu chuan chCl'cdanh;

- Nang cap h~ thong chi tieu KPls toan hang nharn nang cao hieu suat lao d9n9; Ap

dl:lng h~ thong IU'Clng,thU'etng,quy che thi dua khen thU'etngnham thuc day tfnh chu

d9n9, hang hai cua CBNV trong cOngtac ban hang;

- Tiep tuc to chirc dao tao va dao tao lal doi voi tat ca cap d9 CBNV W can b9 thira

hanh den Can b9 quan Iy cap trung va cap cao; Dl,f kien khoang 90 - 100 cac kh6adao t~o n9i b9 va ben ngoai.

5.2.2. Hoan thi~n h~ th6ng cOngngh~ va hi~n t1~ih6a NgAn hang

- Kiem soat tot an ninh an toan thOngtin, chuan b! san sang cho vi~c lay chCl'ngchi anninh ISO 27001 trong nam 2016;

- Day m~nh trien khai d!ch vl:I,san pham cho ca nhan, doanh nghi~p thOngqua Internetva Mobile, nham d!nh v! thU'Clnghi~u VietABank la Ngan hang hi~n d~i.

5.2.3. COngtac Marketing

- T~p trung chuan h6a b9 nh~n d~ng thU'Clnghi~u VietABank lam CCI settrien khai chan

chinh, nang cap toan b9 bien hi~u, CCI setv~t chat W quay giao d!ch, dong phl:lCgiaod!ch, Van h6a Doanh nghi~p... voi 19trinh thfch hc;1P;

- To chCl'ccac ho~t d9n9 c9n9 dong nhU'ChU'Clngtrinh tU'thi~n, lien ket voi H9i cl,fuchienbinh phU'ongnhamgan ket Sl,fthan thi~nva se chia giO'angU'oidan va VietABank;

- Xay dl,fng van h6a va gia tr! con ngU'aiVietABank; Phoi hc;1Pvoi COng doan, Doan

thanh nien to chCl'ccac ho~t d9n9 phat huy tfnh sang t~o cua CBNV va tang cU'ongdoan ket n9i b9 trong toan h~ thong VietABank.

6. ThOng tin v~ nhCtngcarn k~t nhung chua thl/c hi~n clla t6 ch(tc c6 co phieu dU<;1cthoai v6n

KhOngc6

7. Cac thOngtin, tranh chap ki~n tl:Jnglien quan tC1iNgAn hang rna c6 the anh hUC1ngt1engia cci c6 phieu thoai v6n

KhOngc6

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Lich trlnh thuc hien thoai von cho nha dau tu dl,l' kien nhU' sau:

I~~l ~rlnhb!~~b)c· - _- -- : :~d~~~~~i -..- ---- __.._ _ __ ..1. - __ - 1

SJC nhan dU'c;1cCong van thong bao nhan dU'c;1Che 0

1._.~c:Il_n:'!.e~~n__c!~u_ll~ --1 _. -i:..2. J..g~~~~~th~~~.!i~y~9~!h<?~iy~~ J g!~ + 0+7! I Nhan dang ky va tien coc cua cac nha dau tu; nhap

3. I va phat phi"u <lau gia cho nha d~u ttl _~ _~:1__, .~:~I:~::lg~Q9.~§.~_~i::q~i_~~Q9~~:::~~~9.i~ P!?? _ ___j! J' 0 ( 0+30 iL?· ! ~h~~ ~~i.~ - --_......... 1.................................... _... _ _ ]

16 .. j Thong .._baoket qua dau ~ia _ .. j 0+~9. J __l:?~311- 7 j..§9.:!~~!q~?q~~~i~~h<?_~~g!!q!~~_li.~ ..~_..q~9!1.........................J q!~Q _j._. __ I?_~_~? ]1·······8... j Ij<??!1..!~?.!.i~~~9g.~h<?~h?q?.~.J~~h~~~.!r.9..~.~.9~~ ; g!~Q , I?!.~? J

Gt~~~~;~~~g~~~~~~~~~~-~==~~~jLich trlnh thuc hien thoai von 58 dU'c;1ccong bo chfnh thirc khi SJC nhan dU'c;1cThong

bao nhan he sa cong bo thong tin ve vi~c thoai von nha ruroc cua UBCKNN.

9. Thai gian dang kY mua cO phieu

Viec dang ky mua co phieu cLia Nha dau tU' 58 dU'c;1Cthl,l'c hi~n theo quy d!nh tCiliQuy

che ban dau gia co phan do Sa Giao d!ch chung khoan (SGDCK) TP.HCM ban hanh.

SJC 58 phoi hc;1Pvai SGOCK TP.HCM thl,l'Chi~n cong bo thong tin ve vi~c trien khai

ban dau gia tren cac phU'ang ti~n thong tin dCilichung va to chuc cho Nha dau tU' tham

gia dang ky dau gia mua co phan sau khi SJC nh~n dU'c;1cThong bao nh~n ho sa cong

bo thong tin ve vi~c thoai von nha nU'ac cLia UBCKNN.

£>6itU'<;1ngva dieu ki~n dang kY tham gia mua cO phsn cLla Nha dau tU'

La tat ca cac to chuc, ca nhan trong va ngoai nU'ac dap ung dLi dieu ki~n tham dl,l' dau

gia theo quy d!nh tCiliQuy che ban dau gia co phan do SGOCK TP.HCM ban hanh.

Rieng doi vai trU'ang hc;1Pcac to chuc, ca nhan tham gia dau gia mua co phan cLla

VietABank dan den vi~c to chuc, ca nhan do tra thanh co dong Ian cLia VietABank (sa

hCt'utrl,l'c tiep, gian tiep ttl 5% von co phan co quyen bieu quyet tra len cLia VietABank)

ho~c to chuc, ca nhan do dang 113 co dong Ian cLia VietABank phai thea man cac dieu

ki~n theo quy d!nh tCiliCong van so 1821/NHNN-TTGSNH ngay 25/03/2015 ve vi~c

thoai von cLia ONNN tCilicac TCTO, cl,1the:

);;> £)6i vai to chuc:

Doanh nghi~p hOCiltd¢ng co lai nam trU'ac lien ke; khong co 16 lOy ke;

Co cam ket ve kha nang tai chfnh de mua co phan (khong dung tien vay, von LlYthac cLia cac to chuc, ca nhan khac de mua co phan);

GANG

n:

j~01NCJNI

BAN CCNG 66 THCNG TIN

- -- . --------

CONG TV TNHH MTV VANG BAC £>AQUY sAl GON - SJC

Chap hanh dung quy dinh cua phap luat ve sd hCt'uco phan va chuyen nhU'qng

co phan cua TCTD.

~ D6i vai ca nhan:

C6 nang luc hanh vi dim su va nang luc phap luat dim su:

Cam ket ve kha nang tai chfnh de mua co phan (khong dung tien vay, v6n uy

thac cua cac to chtrc, ca nhan khac de mua co phan):

Chap hanh dung quy d!nh cua phap luat ve sd hCt'uco phan va chuyen nhU'qng

co phan tal TCTD.

Tren co so ket qua dau gia, tnrcnq hop Nha dau tu' neu tren trung gia SJC S6 lap ho so

theo quy d!nh t9i Thong tU' s6 06/2010ITT-NHNN nqay 26/02/2010 cua NHNN kern tai

li$u chung minh viec dap ung cac dieu kien cua Nha dau nr neu tren, de ngh! Ngan

hang Nha nU'ac xem xet, chap thu$n vi$c chuyen nhU'qng co phan trU'ac khi thy'c hi$n

chuyen nhU'qng cho Nha dau tU' .

10. GiOi h9n va tY I~ mlm gilt doi vOi ngLlC1inLiOcngoai

Ty 1$ nam giCt'cua nha dau tU' nU'ac ngoai tham gia mua ban chung khoan tren th!

trU'ang chung khoan Vi$t Nam dU'qc quy d!nh t~i Ngh! d!nh s6 60/2015/ND-CP ngay

26/06/2015 sua doi, bo sung m9t s6 dieu cua Ngh! d!nh s6 58/2012/ND-CP ngay

20107/2012 cua Chfnh Phu quy d!nh chi tiet va hU'ang dan thi hanh m9t s6 dieu cua

Lu$t chung khoan va Lu$t sua doi, bo sung m9t s6 dieu cua Lu$t chung khoan; va cac

quy d!nh hU'ang dan khac c6 lien quan.

Ty 1$nam giCt'cua co dong nU'ac ngoai t~i VIETABANK den thai diem hi~mnay la: 0%.

11. Cac h9n che lien quan den vi~c chuyen nhLl<;1ng

Tat ca cac co phieu thoai von dqt nay deu dU'qc ty' do chuyen nhU'e;1ng.

12. Cac I01ilithue c6lien quan

Trong ho~t d9n9, Ngan hang can thy'c hi$n cac nghTa vl:l tai chinh doi vai nha nU'ac

nhU' thue TNDN, thue GTGT ... phl:l thu9C cac ITnhvy'c kinh doanh, dau tU' cua Ngan

hang va tuan thu theo chinh sach cua Nha nU'ac trong Wng thai kyo

VI. MVC £>rCHTHOAI V6N

Ml:lc dich cua vi$c thoai von co phan Ngan hang TMCP Vi$t A dqt nay nham co cau I~i ty 1$

sd hCt'ucua Nha nU'ac do Cong ty TNHH MTV Vang b~c Da quy Sai G6n - SJC quan Iy nham

nang cao tinh ty' chu cho Ngan hang, tren co sd d6 giup Ngan hang c6 dieu ki$n de t$p trung

dau tU' VaG cac dy' an trqng diem khac theo yeu cau ho~t d9n9 kinh doanh trong giai do~n

hi$n nay. Vi$c thoai v6n co phan cua Cong ty TNHH MTV Vang b~c £>aquy Sai G6n - SJC

t~i Ngan hang TMCP Vi$t A Ian nay chi lam thay doi ty 1$sd hCt'utrong co cau co dong ma

khong lam thay doi muc von dieu 1$da dang kyo

56 tien thu dU'qc sau dqt thoai v6n S6 dU'qc su dl:lng theo cac quy d!nh cua phap lu$t hi$n

hanh ve quan Iy tai chinh cua doanh nghi$p nha nU'ac.


:16

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CONG TV TNHH MTV VANG B~C £>AQUY sAl GCN - SJC

VII. cAc £>61TAc LI~N QUAN TOI £>01" THOAI v6N

1. TISchCtctLl' v§n

CONG TV c6 PHAN CHUNG KHOAN RONG VieT

HQiSCJ

8!a chi: Tang 1-2-3-4, Tea nha Viet Dragon, 141 Nguyen Du, 0.1, TP. HCM

8i~n thoai: 84.8.6299 2006 - Fax: 84.8.6291 7986

Website: www.vdsc.com.vn - Email: [email protected]

Chi nhanh Ha NQi

8!a chi: 2C Thai Phien, Ouan Hai Ba Tnrnq, Ha N9i

8i~n thoai: 84.4.6288 2006

Chi nhanh Nha Trang:

- Fax: 84.4.62882008

8!a chi: 50 Bis Yersin, TP. Nha Trang, Khanh Hoa

8i~n thoai: 84.58.3820006

Chi nhanh C~n Tho:

- Fax: 84.58.3820 008

8!a chi: 08 Phan 81nh Phung, TP. Can Tho

8i~n thoai: 84.71.381 7578

2. TISchCtcki~m toan

CONGTVTNHH KPMGT~ THANHPH6 HOCHrMINH

- Fax: 84.71.3821916\N";0 f,A

8!a chi: Lau20, Toa nhaSunWah So 115NguyenHue,Qu~n 1,TP.HCM~..\.':::?

8i~n fhoal. 84.83821 9266 - Fax:84.83821 9267

VIII. BAo cAo COA T6 CHUC co c6 PHI~U euoc THOAI V6N V~ cAc THONG TINLI~N QUAN £>~NT6 CHUC NAy

Chung toi, Ngfm hang TMCP Vi~t A dam bao cac thong tin va so Ii~u trong Ban cong

bo thong tin nay 113chfnh xac, trung thuc va cam ket chlu trach nhiem ve tfnh trungthuc, chfnh xac cua nhung thong tin va soli~u nay.

IX. PHV LVC

1. Phu luc I: 8ieu I~ hoat d9n9 cua Cong ty TNHH MTV Vang bac 8a Quy sal Gon - SJC.

2. Phu luc II: Giay chung nhan sCi huu co phan cLlaSJC t<;liVIETABANK.

3. Phl:JIl:JcIII: Bao cao tai chfnh kiem toan nam 2014 cLlaVIETABANK.

4. Phl:JIl:JcIV: Ngh!quyet so 20/NQ - H8TV ngay 07101/2016 cLlaH9i dong thanh vie!nCong

ty TNHH MTV Vang B~c 8a Quy Sai Gon - SJC ve vi~c thoai von cLla SJC t~iVIETABANK.

T'.~r:iC

~/~~BAN CONG B6 THONG TIN

CONG TY TNHH MTV VANG SJ;\CDA QUY sAl GON - SJC

Tp. Ho Chi Minh, nqay .l.t.. thanp ..?....nam .b.t}CHO'KY

DJ;\IDI~N TO CHUC THOAI VON

DO CONG CHfNH

DJ;\IDI~N NGAN HANG TMCP VI~T A

KT.TONG GIAM DOC

PHO TONG GIAM DOC THU'ONG TRL!C

DJ;\IDI~N TO CHUC TU' VAN

SAN CONG SO THONG TIN

bo cap - bvsc.com.vn. nganhang... · n~~oai v6n c6phancoa congtvtnhhmtvvangb~cfjaqu)' sal...

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