VWTPB. ank CONG HOA XA HOI CHU NGHIA VIET NAM DGe lp - Ty do- Hanh phic $6: 07/2023/TPB. HQT Ha Noi, ngay 19 thang 01 nim 2023 CONG BO THONG TIN TREN CONG THONG TIN BIEN TU CUA UY BAN CHUNG KHOAN NHA NUOC VA SGDCK TP.HCM Kinh giti: - Uy ban Chimg khodn Nha nude - So Giao dich Chimg khodn TP. HCM + Ten t6 chite: Ngan hang Thuong mai Cé phan Tién Phong + Ma-chiing khodn: TPB + Bja chi try so chinh: Toa nha TPBank, Sé 57, Phd Ly Thuong Kigt, Phuong Trin Hung Dao, Quén Hoan Kiém, Ha NOi Dign thog: 024 3768 8998 (= frase waied ~ Fax: 024.3768 8979 ; \*\ Tien PHC - Ngudi thyc hign cdng bé thang tin: Ong Lé Quang Tién Xs Chite vu: Phé Chit tich Hi ding Quan tri Loai théng tin cong bé: i inh ky O bat thudng [24h Litheo yéu cdu Ni dung théng tin cong bé: Bio cio tai chinh Quy 4 nam 2022. ‘Ngan hang TMCP Tién Phong (TPBank) xin giai trinh vé bién dng Igi nhudn sau thué so vi cling ky trén Bao edo tai chinh Quy 4 nim 2022 nhu sau: Loi nhugin sau thué Quy 4.2022 eva TPBank la 1.519 ty ding, ting 15,6% so véi cing kynim 2021 Neuvén uhdn: Loi nhuan sau thué Quy 4.2022 dat 1.519 ty ding, ting 205 ty déng (tuong duong 15.6%) so voi Quy 4.2021. Trong dé, dong gép chu yéu vao két qua Ii nhuan Quy 4.2022 van 1a thu nhap tir lai thudn voi két qua dat duye 1a 2.780 ty déng, giam 30 ty déng so voi cung ky nim 2022 do lai suit huy dng cudi ndm 2022 ¢6 chidu huéng ting Ién, Lai thuin tir hoat dng dich vy dat 816 4 d&ng, ting 326 ty déng so voi Quy 4.2021. Nam 2022, lam phat trén quy mé todn cdu khién ty gid ngoai t€ lién tue di lén, gy anh hudng t6i hoat dong kinh doanh ngoai hdi cia TPBank. Trong Quy 4.2022, két qua kinh doanh ngoai té cia TPBank dat 80 ty ddng. giim 180 ty ding so véi cing ky nam ngoai. Ngoai ra, chi phi trich dur phong rui ro tin dung trong Quy 4.2022 da gidm 445 ty déng so v6i cing ky nam truée cho thay TPBank da kiém soét tt hon ri ro tin dung tir khach hang, gia tng duge Igi nhuan cho ngan hang nhung vin ludn dim bao trich lp dy phong theo dung quy dinh eda Ngan hing Nha nude Vigt Nam. ‘Tinh hinh kinh doanh eta mot sé mang hogt dng tai TPBank trong Quy 4.2022 nhur sau’Don vi: Trigu déng, % SIT Chititu Quy 1v.2022 [ Quy 1V.2021 | TingiGiam | % TingiGiam 1 | Thu nhdp lai thudn 2.779.678] 2.810.324] __ - 30.646 ~ 109% 2; [AY Sthutn we host dime | greasy 489,876 | 326.298 65.61% dich vu | a sa ott ome 80.482) 260.820] - 180.338 -69,14% kinh doanh ngogi hdi 4 |B Dai du phong wit ro) 114.564] 559.570] - 445.006 -79,53% 4 | tin dung 5__| Tong loi nhugn trade thud | _1,902.743| 164.591 | 258.152 15,70% 6_| Loinhufn sau thud 1519328, _1.314222| 208.106 15,61% ‘Thong tin nay di duge céng bé trén trang théng tin dign tr ctie Ngan hing vio ngiy 19/01/2023 tai dung dn: https2/tpb.vn/nha-dau-tu/bao-cao-tai-chinh ‘TOi cam két cdc thong tin cOng b6 tren day ld ding sy that va hoan toan chju tréch nhigm trude phip luat vé ndi dung cde thong tin da cong b6./, gn 16 chire go Nguoi UQ CBIT CHU TICH HDOT SETS Tai liéu dinh kem: = Béo cio tai chink Quy 4 nam 2022 S Nat nha fz ~ Nhu Kinb git; \ ~ Lamu: VP. HBOT.Ng&n hang Thuong mai Cé phan Tién Phong Bao cdo Tai chinh Quy TV nam 2022 Thang 01 - 2023Ngan hang Thuong mai Cé phan Tién Phong 57 Lj Thacdng Kigt, Quén Hoin Kiém, Ha Noi BAO CAO TINH HINH TAI CHINI Méu sé: BO2a/TCTD (Ban has theo thong te sé 49/20 M/TT-NHIWN ngéy 21/122014 cia Thing abe Ngai hing Nha mide Viet Nam) Tal ugay 31 thang 12 nam 2022 ST chiuew ATALSAN 1 Tidn mgt ving bac dé quy UE Tién gi tgi NINN iy Tién ving gii tai cde TCTD Khe vi cho yay ede TCTD khic 1 Tidn vang got tei ede TCTD ihe 2 Cho vay ede t8 chite tin dyng khée 3 Duphing riiiro cho vay ce TCTD khée IV Chimg khoén kink doanh y Cae edng eu ti chinh phai sinh vi ede tai sin thichinh hae VI Cho vay khich hang 1 Cho vay khéch hang 2 Dyrphong rui ro cho vay khach hing VI Hoat dgng mua ng 1 Mua ng 2 Duphong ri ro hoat dong mue ng VIET Chimg khoin dau tr 1 Chimg khodn dau trsén sing a bén 2 Chimg khodn dau tu gitt dén ngay déo han 3 Dyrphong giam gia ching khodn dau tu IX Tai sin ¢6 ajah 1 Tai san od dinh hou hi 2 -Nguyén gié TSCD b Hao man TSCB 2 Tai sind dinh vé binh @ = Neuyén gié TSCD b= Hao mn TSCD X — Taisin C6 khae 1 Ce khodn phat thu 2 Cée hhodn li pht pha sha 3 Tai sin thué TNDN hotn lei 4 Thisin Cé khée Cc khan dur phing ri 10 cho ee rai sin C6 ndi bang khée at Hea AD Ta IND (Dai kiém tocin) 328.634.007 292.827.078 2.426.932 2.553.309 11,988.501 18,039,848 7 53.364.944 48.752.914 36.86.06 35,868.05 16.478.879 12.884.863 8 203.247 a 159,160,375 139.402.5065 9 160,092,953 141.227.8857 10 (1.832.588) (1.765.292) u 180.610 960.393 181.975 967.650 (1.365) (1.251) 12 74376644 62.404.584 74,520.673 62.735.195 44.700 44.700 (188.729) 875.211) 1.205.386 788.613 13 903.413 512.870 1.725.195 1.133.034 (822.382) (620.164) 4 301.973, 275.743 750811 620.296 (448.838) (344,553) 15 15.727.368 19,864.752 17545.725 3.140.657 5.046.097 1.650.611 6.091) 3.616) =" x WA! were eS‘Ngan hang Thuong mai Cé phan Tién Phong 57 Lf Thwong Kigt, Quan Hoan Kiém, Ha! SIT Chi tiéu BNQ PHAITRA VA VON Crit s6 HOU v VI vuL vit (Cae khodn ng Chinh pha va Ngin hang Nha née ‘Tin giti va vay Chinh phi, NHNN Giao dich ban va mua Ini tréi phiéu Chinh phd véi Kho bge Nha nurée Tién git va vay ede té chic tin dyng khse Tidn git eta ede t8 che tin dung Khe Vay cic t8 chic in dung khée Tien giti ea khach hing Cic cing cy tii chinh phai sin va falchinh hie Vin tai try iy thie du turcho vay TCTD ehju rit Phat hanh gidy 16 c6 gia Cie khofin ng khde (Cie khoan 1, phi phai tra Cite Khon phai tr va edng ng khéc Von chi sé hirw ic khodn ng Vin iat ent tin dng Von diéu 18 Thang dy vén cd phan é phiéu quy Quy cia 8 che tin dang Chénh Wgeh ty gia nb doa gi nhuan chu phn phi Thuyée mint 16 a 18 19 20 a 22 Méu sé: BO2W/TCTD (Ban hinh theo thong ne sé 49°2014/7T-NHNN ngiy 31/12/2014 ‘la Thdng dd Ngan hang Nha mde Viet Nam) 31/12/2022 Trigu VND 328,634,007 73.496.158 47.265.806 26,230,352 194,959,921 164.923 20.420.954 6.910.560 4.125.419 2.785.141 32.239.052 18,378,520 15.817.555 2.560.955 2.113.258 1.747.277 31/12/2021 Trigu VND (Da kiém toi 1292.827.078 564.074 508.074 87.015.960 53.315.464 3.700.496 139.562.262 77.108 401.664 35.408.147 3.813.196 2.583.032 1.230.164 25.987.070 1.388.879 0.218.671Ngan hang Thuong mai Cé phan Phong Miu sé: BO2WTCTD S7L} Thudng Kigs, Quan Hoan Kiém, Ha NOL (Ban hinh theo thine we s6-49/2014/TT-NHNN ngity 31/12/2008 ‘ia Trdng de Nein hing Nha rede Viet amy CHI TIBU NGOAI BAO CAO TINA HiNH TAI CHINE case ray lain 1 Bao Hanh vay van 455.706 2 Cam két giao dich hai doai Cam két mua véi ede ngoai t8 quy Adi 1.965.841 Cam két bin véi cée ngoai 1 quy adi 2507217 Cam két giao dich hoan 66% 93,630.916 3 Cam két tong nghiep vw LE 2.738.296 4 Bao lénh khic 32.222.084 S$ Cle cam két khdo 1.138.527 6 Liticho vay va phi phai thu chua thu duge 3441 570.973, 7 Nokhé dai a3 xir ly 312 12,054394 § Thi sdn vA chimng tir khic 313 55.195.704 (7) S6 liéu tai 31/12/2021 dtvce trinh bay bd swig theo yéu céu eta TT27/2021/1T-NHNN- 31/12/2021 Trigu VND eo 212.050 1.445.407 1.328.068 134.862.073 3.932.911 25,688,026 14,114.34 379.543 9.718.932 31-126.732 Ha Noi, ngayy 18 theing O1 nein 2023 LAP BIEU? KIEM SOAT. 2) LE CAMTU NGUYEN LAM HOANG Ké toxin trang Glam dbe Khét Tat chink ig Gidin decNgan hang Thuong mai Cé phan Tién Phong 57 Lj Thuong Kigt, Qudn Hoan Kiém, Ha Noi (Ban hah theo thing te 36 49/2014/TT-NHNN nga 31 Miu sé: BO3u/TCTD 014 ‘tia Thing dBc Ned hang Nha ace Vite Nam) str 1. site Vv. VL vil. vu. Ix. xi xi. XIU. Chi tieu ‘Thu ahip li va eée kho’n thu ohip tong Chi phi lai va eae chi ph song tr Thu abgp tai chun ‘Thu nhép tir hoat déng dich vw Chi phi hoat dong dich vy Lai/I8 thudn tir hogt ding dich vy Lai/18 thuan tr hogt ding iin dosnt ngogi Ndi Lai/1é thudn tir mua bain cining khoan kinh doanh Lai/1é thudn tir mua bin ching khodn du tr Thu nhap tir hoat dong khac Chi phi hoat dng khac. Lai/id udn tte hogt dong khie Thu nhgp ti gop vén, mua ed phan Chi phi hoat dong Lyinbugn thudn tirhogt ‘ng kinh doanh trude ehi phi dv phong rii ro tin dung Chi phi dy phong rai ro tin dung ‘Tong Igi nhugn true thug Chi phi thué thu nhip doanh nghigp tam tinh Loi nhugin san thud LAP BIEL) LE CAM TO Ki todn treang Thuyét ‘mink 5 26 27 28, Quyv Namnay Nam trude Trisu VND tritu VND 6.022.919 4.732.232 B.243.241) (1.921.908) 2.779.678 2.810.324 1.030.643 661.488 214.469) (171.612) 816.174 489.876 80.482 260.820 (121.875) (52.968) 324.561 188342 (215.648) (85.243) 108.913 103.099 (1.646.065) (1.406.990) 2.017.307 2.204.161 (114.564) (559.570) 1.902.743 1.684.591 (283.415) 830.369) 1.519.328 1.314.222 KIEM SOAT NGUYEN LAM HOANG idm lée Khéi Tai chink AO CAO KET QUA HOAT DONG Quy IV nim 2022 Lay ké tira nim oén cud uy nay Nam nay Nim crude an Trigu VND PrieuYND (pa hig ton) 21,811,015 17.426.817 (0.424.418) (7.480.768) 11.386.597 9.946.049 3.596.301 2.259.689 (904321) (717.233) 2.691.980 1.542.466 410.216 373.374 426.258 1.409.742 1.324.949 495.761 (622,808) (249.984) 702.141 248.777 (6.948.257) (4.570.696) 9.671.932 8.946.712 (2.843.644) (2.908.490) 7.828.288 6.038.222 (1.867.473) (1.209.033) 6.260.815 4.829.179 HaNOi, ngay 18 théng 01 naam 2023Ngan hang Thuong mai Cé phan Tién Phong, 57 Lj Thuong Kigt, Quéin Hoan Kiém, Ha Noi Mau sé: BO4a/TCTD (Ban hanh theo thang te 56 <92014TT-VHNN nga 31/12/2014 cia Théng de Ngén hing Nha mate Vids Nem) BAO CAO LUU CHUYEN TIEN TE Qui TV Ném 2022 Thuyét Tir 01/01/2022 smn cube y minh — én 31/12/2022 Trig VND LUU CHUYEN TIEN THUAN TU HOAT DONG KINH DOANE. 1 Thu nhgp lai va ede Khoan thu nhgp tuong ty niga duge 20.716.861 2 Chi phi lai vA ede khodin chi phi tuong ty da era (0.069.486) 3 Thu nhép tirhogt dng dish vp ahgn duge 2.691.980 4g Chénh Igch 36 tién thye thu/thye chi tir hogt dng kink aay oan (ngoal 8, ving bac, ehimg khoan) 1 5 Thumngp khie 79.516 Tika tha Sholhodning at digesdly nba budip tlhe e § nguin ri ro re 7 Tin chi wa cho nhin vien va hoat dong quan ly, cong va (5.737.475) 8 —Ti&n thud thu ah§p thye-ndp trong Ky (528.042) Lamu chuydn tn thud firhogt dag hinh doanh true nbing thay di vé tai sin va von hau dug poe Nhieng thay a8i v2 ti sin hogt ding (Tang)/ Gidm ede khoan tin, vang giri va cho vay cde t6 7 9 che tin dung khse GREG) 10 (Tng)/ Gim ede khoda v8 kinh éoenh ching khodn (10.785.405) (Tang)/ Giam cde cng cu tai chinh phai sinh va cée t8i 5 1) San tai chinh kde Corel). 12 (Tangy/ Giém ede khoan eho vay khich hang (19.011.699) >: Gli ngubnd phone dbx Wy rit rosa tg bh dpa c 15 tht cde khoan cho vay khch hing rent) 14 (Tang)/Giam khie vé wai sén hoat dong (4.080.441) Nhieng thay déi vé cong ug hoge dng 28.251.922 15. Ting/(Gidm) ede khodn ng chinh phi vaNgdn hang Nha (ates) nude “Ting/(Gidm) ede khodn tn git, ida vay obs tb chi tin 1S ae (14,382,698) 17. Ting (Gidm) tiéa gbi cba khéch hang 55397.659 ‘Tang/ (Giam) phat hanh gidy té 6 gid (ngoal tir gidy to 7 18 co gid phat hanh doe tinh vao hoat déng ti chinh) LBGI7) ‘Tang/ (Gidm) vén tai tro, ty thac déu tu, cho vay ma t6 a 19 hie tin dung chiu rai ro (236.741) 29 Tang’ (Giim) céc céng cy thi chinh phéi sinh va cde 20 chosing t8i ehinh Kkhée EELEDS) 21 Tang/ (Giam) khde vd céng ng hoat déng, 628.935, 22 Chi tir cde quy-cita té chite tin dung, - 1. Lau chuyén tign thudin tir hoat dgng kinh doanh 4.705.894) ‘Teo1/e12021 én 31/122021 Trigu VND a kiém tosn) 17.261.090 (7.560.853) 1.542.466 2.006.642 (2345) 247.956 (4.283.954) (1.273.872) 7.937.130 (8872347) (012.537.860) 77.344 (9.588.462) (3.101.468) (245.342) 70,560,262 (133.863) 37.803. 1 3.658.736 9.532.629 (286.912) 71.705 (01.254) 34.220.287 3Ngén hang Thuong mai C6 phan Tién Phong str cHiTiiu LUU CRUVEN TIEN THUAN TY HOAT DONG DAU TU Mua sim tai sin cf dinh ‘Tién thu tty thanh ly, nhugng ban tai sin ob din ‘Tin chi tt thant ty, nhugng bin ti sin: ‘Mua sim bét dng sin diu tu ‘Tién thu tir ban, thanh ly bat déng san dau tw Tidn chi ra do bén, than If bét dong san dd ur inh Tién obi alu tx, 6p vén vio cde don vj kh (Chi dd tr mua c6ng ty con, gop vén lién doanh, lién két va cde Khodn dau tu dai han khée} Tién tha dan t, gop vin vao cae don vi khée (Thu ban, 8 thanb If, eng ty con. gép von lién doanh, lign két, ede hod dau tur dai han khéc) Tin thu cé tite va loi nhugn duge chia tireéc khodn du 1, g6p vin di han UL Low chuyda tida thudn tiehogt dng dda tr Miu sb: BOda/TCTD 57 Lj Thudng Kigt, Quan Hoan Kiém, Ha Noi (Ban hah theo hong ne 50 49201477 F-NHINN gay 31/12/2014 aia Théng cde Nain hong Nia mde Vig Nam) Thuyét Tir 01/012022 minh dén 31/12/2022 LUU CHUYEN TIEN THUAN TU HOAT DONG TATCHINET 1 Tang vén ed phan tir gop vén vi/hoge phat hanh ‘Tién thu tir phat hanh gi Kig khéc é phi Tidn chi thanh todn gidy t-e6 gid ddi han 06 di did tin ao vén ty c6 va cae khogn vn vay’ dai han khde 4 li nhufin 6 chia $ —Tién chi ra mua cé phigu ngan quy 6 — Tién thu duge do ban c6 phiéu ngan quy TIL. Lams chuyda tin thuin tir hoot ang (Ai chfah, 1V. Luu chuyén tién thuan trong ky V. Tien va ede khodn twong dwong tién au ky Vi. Digu chinh anh hudng cia thay dBi ef gid Cé te tra cho of 48 VIL Tien va ede khodin tuong duong tién cudi ky Lar Bitug KiéM SOAT 18 cd gid dai han cé di didu tinh véo vin tt ¢6 va cde khodn vén vay dai han ign 30 NGUYEN LAM HOANG Ké toin truang Gidin déc Khdi Tai chink Trigu VND (426.031) as n) (428.443) (2.028 300} (2.028300) (4.159.637) 56.461.208 52.301.571 Ta OL/or2021 én 31/12/2021 Trigu UND (Da hig toxin) (629.215) 166 (629.049) 3.283.500 (1. $66,300) 1.134.993 2.852.193 36.452.401 20.008.807 56.461.208 x g e yNgan hang Thuong mai Cé phan Tién Phong Miu sé: BOSatCTD 57 Lj Thing Kiét, Qu@n Hoan Kiém, Ha Noi (Ban hiinh theo thang tw 95 492014/TT-NHNN rgity SU/22O1 cia Thing Ade Hin heng Nha rede Vigt Nam) THUYET MINH BAO CAO TAI CHINE én 31 thing 12 nam 2022 1, Dae digm hogt dong eda t8 ehuie tin dung Ngan 12 Thuong mai Cé phn Tien Phong (sau day goi tit 1a “Ngén hang”) 1a ngén hang thuong mai cé phin duge thanh lap tai nutéc Cong hda XB hol Chi nghtfa Viet Nam vio ngay 5 thing $ nam 2008 theo Gidy phép thinh fp s6 123/GP-NHNN cia Théng déc Ngdn hang Nha Nuse Vigt Nam NHNN"); Gify phép thanh lap ctia Nafin hang duge digu chinh, stra 481 va bd sung theo Quyét dinh sé 45/QB-NHNN ngay 17 thang 01 nam 2022 elia Théng déc NHNN. Thai han hogt dgng cia Ngin hing 1 99 nam ké tir ngay edp Gidy phép thanh lp s6 123/GP-NHNN. Gidy chin han dang ky kinh dosnh cia Ngdn hing duge ding jin diu ngay 12 thing 5 nam 2008 va dang ly shay i dn thi 29 vo may Ot thang 03 nm 2022, Hi dng Quin tr Ho tin Chie vy Ong 84 Minh Pat Chi tich Ong Lé Quang Tién Phé Chai tich Ong 85 Anh TO Ph6 Chi tien Ong Shuzo Shikata Phé Chi tich Ba Nguyén Thu Ha “Than vig ng Elichito So “Thanh vie BaDS Thi Nhung Than vien ds Kap Ban kiém soit Ho ten Chite va Ba Nguyén Th} Bao ‘Truong ban kiéin soit Ong Thai Duy Nehta “Thank vign chuyén wach Ba Navyn Thj Thu Nguyét “Thank vign khdng chuy8a tréch Ban Téng Glam dée, Giim ade Tai chinh va Ké tofin trudng Ho ten ‘Ong Newyo Hung (6ng Pham Déng Anh Ong Nguy€a Hang Quan Ong Newyéa Viet Anb ‘Ong Lé Hong Nam Phé Téng Gidm déc ‘Ong Khe Van Hoa. Pho Tong Giam dc Ba Trong Thj Hoang Lan Pho Téng Gidm déc ‘Ong Dinh Van Chié Phé Téng Gidm ade Ong Bai Quang Cuong: Phé ‘Téng Gidm dée Ong Neuya Lam Hoang Giém dée Khéi Tai chinh BaLé Cam Ti Ké tofn trang Von dieu le didu Ig cua Ngan hang tgi ngay 31 thang 12 nam 2022 Ia 15.817. nam 2021 1a 15.817.555 trigu dbng), 5 trigu ddng (‘ai ngy 31 th mee ew wkNgfin hang Thirong mai CA phan ién Phong Méu sé: BOSa/TCTD S7 LS Thieng Kigt, Quéu Hoan Kiém, Ha Noi (Ban hain theo thing tw sb 49201477-NANN ngdy 5122014 cia Théng #6 gin hang Nidimube Ves Namy ‘Try so chinh: Ngan hang od try so chinh tai Toa nha TPBank, 57 phd Ly Thuong Kigt, quan Hoan Kiém, Ha Noi, Viet ‘Nam, Tai ngay 31 thing 12 nim 2022, Ngén hing o6 8.983 cén b9 cong nbn vign (Tai 31/12/2021, Ngén hang 66 7.505 edn b6 cng nhén vién). hi nh: Tai ngdy 31 thang 12 nim 2022, Ngdn hing ¢6 mét (01) Héi sé chinb, mot (01) Vin phdng ¢ai dign tai TP Hé Chi Minh, nm muri ba (3) chi nhénh va bay muci mét (71) phong giao dich tai Thos cfc tinh va thanh phé trén c& nude €8| duge Ngfin hing Nha nuée edp phép, 2. Ky KS todn, don vj tién t@ sir dung trong ké toin « Kypké todn ndim: Ky ké toan nim bit Adin tr ngly 01 thing 01 va két thie: vao nay 31 thang 12. = Kiké todn bein qua: bat ddu vao ngiy 01 thang 10 va két thiic vo ngay 31 thang 12. + Bom vitidn 18 sti dung rong ké tod exta ngén hang: Bing, Vigt Nam (VND). Cho myc trinh bay ba ‘cdo tai chinh nay, cdc s6 ligu duoe Lim tra dén hang tru va trinh bay theo don vi trigu dng Viét Nam. 3. Chuiin mye va HG thong ké ton ap dung 3.1. Tuyén bd tun this Ban Téng Giam de Ngan hang khdng djah bao cdo tal chinh aurge lap pha hgp vai céc Chuan myc ké toan Vie Nam, He thng ké toan cae 1 chite tn dung Vigt Nam, tuan tha cée quy dinh cna Ngén hang Nha nude Ge NalnvA Ede quy din phap ly €6 lign quan fn viee 1gp vA trinh bay’ bdo cdo Al chin 3.2. Co sé lap bio edo tit ehink Bio cio tdi chinh eda Nein hing duge Ip pt hgp wi H¢ thing ké todn eds 08 chire tin dung Viet Nam theo Quyét dinh s6 479/004/QD-NHNN ngay 29 thing 4 ndim 2004, Théng te #6 10/2014/TT-NHNN nedy 20 thing 3 nam 2014 va Théng tu s6 22/9017/TT-NHNN ngay 29 thing 12 nim 2017 bé sung, sia €3i Quyét dinh s6 470/2004/QB-NHNN; Quyét dinh sé 16/2007/QD-NHNN ngay 18 thing 4 nim 2007. Théng ne sé 492.014(TT-NHNN stia di, bd sung m9t sé didu khodn cfia Ché dé bio céo ti chinh 461 véi ete t8 che tin dung ban hah kém theo Quyét dinh s6 16/2007/QD-NHNN va Hé thing tai Khoa ké tod eée 16 chite tin dung ban hanh kém theo Quyét dinh s6 479/2004/OD-NHNN cia Théng déc Ngan hang Nha nude Vigt Nam va Hé théng Chi fon Vigt Nam do B@ Tai chinh ban hanh bao gdm: = Quyét dinh s6 149/2001/QD-BTC ngay 31 thang 12 nam 2001 vé vige ban hanh bén Chudn myc ké toan it Nam (Dot 195 mye + Quyét dinh s6 165/2002/QD-BTC ngay 31 théng 12 nam 2002 vé vigc ban hanh sau Chudn myc ké toan Vigt Nam (Dot 2); Quyé dinh s6 234/2003/QD-BTC ngay 30 thang 12 ndm 2003 vé vige ban hénh séu Chudn myc ké toan gt Nam (Dot 3); dinh sé 12/2005/QD-BTC ngay 15 thing 2 ndm 2005 vé vige ban hah siu Chudn mye ké toan Vigt Nam (Dot 4); va += Quyét dinh 36 100/2005/QD-BTC ngy 28 thang 12 ndm 2005 v8 vige ban hanh bin Chudn myc ké toan Vigt Nam (Dot 5). Bio e&o tdi chinh durge lap trén co sé tuén thi ede nguyén the va thong Ie ké todn dirge chip nhdn tai Viet Nam. Do é, bo edo tai chinh nay cing nhw vige str dung bo edo nay Kidng danh cho nhting ai Khang théng higu ede thong Ie, thi ye va nguyén tic ké togn Vigt Nam va hon nita, béo céo nay Khéng. cho inh trinh bay tinh binh ti chinh, két qua hoat dong va tinh hinh hyu chuyén tién t@ cua Naan hang theo nhiing, nguyén tic va ‘thong 1¢ ké ton duge chip nhgn rong rai 6 cae quéc gia va thé ené ben ngoai Viet Nam. 8 ee eeNgan hang Thong mai Cé phan Tién Phong sé: BOSa/TCTD 57 Ly Thucing Kiét, Quin Hoan Kiém, Ha Ndi (Ban hari theo thang te 3b 492014/7P-NHNN mgay SI/A22O14 cia Thdng Ade Ngan hang Nha nude Vigt Narn) 2.3. Cle co ed idénh git vl che ne tel hE lade ip dang Vike trinh bay béo edo tii chinh duge thye hign ode wée tinh va gia dinh anh huring 4&n s6 ligu béo edo cba tai sn, ng phai tra efing nhur vige trinh bay ede céng ng tiém dn. Cfe wée tinh va gid dinh nay cing anh hydng dlén thu nhdp, ehi phi va kér qua 56 Wu du phang. Cc wée itnh nly dvge da trén cde gid dinh vd mot sé yéu 16 di cde mite 45 khic nau vé chit quan va tinh khdng chée chin. Do vy, céc két qua thyct& ed thé kha vei cée ude tinh din dén vige diéu chin cée Khodn myc e6 lién quan sau nay. 4, Tom tit cde chinh sich ké ton chi yéu Sau day 1 nhimng chinh sch ké toén cha yu duge Ngan hang ép dung trong vie lip céc béo céo ti chfnh: 4.1. Clie thay di trong chinh sich ké todn va thuyét minh CCée ehinh séch ké toan Ngan hang sit dung 48 1ap bao edo thi chinh Quy IV duge ap dyng nhft quan véi Voi ce chinh sach d2 dupe sit dng dé Isp béo céo tai chinh cho nam tai chinh két thie agay 31 thang 12 nam 2021 va cho giai doan tai chinh Quy IV két thie ngay 31 théng 12:nam 2021, ngogé tr: Thing tw s8 112021TT-NEINN Quy dink vé phan Toat ct sam ed, mac srich, plarong phdp itch tdp die hong rit ro va vige sie dung du phong a xie if réé ro wrong hoat ding ciia 13 chute tin dung, chi nhdnt ngan hing nude ngoai Théngtursé 11 26 higu Iyethi hanh ké tir ngdy 01 thang 10 nam 2021, thay thé cho Thong tw 02/2013/TT- NHNN (“Thang tu 02°) ngdy 21 théng 01 nim 2013 eda Théng abe Ngin hing Nha nude va Théng ww sd 09/2014/TT-NHNN ngiy 18 théng 03 nim 2014 cia Théng dc Ngén hang Nha nude sira di, b8 sung mot sd didu cha Thong tu 02. Thong tw sé 24/2022/TT-BIC ("Thing te s6 24”) ngéy 7 théng 4 ndim 2022 sita dét, bd sung mot s6 diéw cia Théng te 36 48/201 97TT-BTC (“Thing te s6 48") ngy 8 thing 8 ném 2019 cia B6 Tai chinh hung ain vige trich Idp va xit Ip edie Khoan dir phéng gidm gid héng tén kho, tn that cée khodn dé tr, ng phéé tha khé Diva bdo hanh sin phidm, hang hoa, dich vu, eéng mink xay dum fat doanh nehigp. Thong tw s6 24 co higu lye thi hanh we ngay 25 thang $ nam 2022 sta d6i, bd sung quy dinh vé 461 teong lip dy phong, theo d6, 46i tuong lap dy phong la céc Logi chiimg khodn do ede t6 chit kinh i trong ruse phat hint theo quy diah cia phép lust, thuge sé hitu ela doanh nghigp, dang duuge niém yét hose dang ky giao dich teén thj rudng ching khodn trong nuée, éuge ty do mua bin trén th] rudng va gid ching khoén thye té xen thj truéng tai thdi diém lip bio edo téi chinh nim thip hon gié tri cia khoan dau ter chimg khoin dang hgch toan trén sb ké toan. ‘Déi tuyng lap du phng khing bao gdm tréi phiéu Chinh phii, trai phiéu duge Chinh phi bao lanh, trai phiéu chinh quyén dia phurong. Thong tut 27/2021/TT-NHNN (‘"Théng tur s6 27") sita déi, bb sung mot sé diéw ciia hé thang tai khodn ké todin edie 15 chite tin dung ban héinh kbm theo guvét dinh sé 479/2004/0D-NHNN ngiy 29 thing 4 nim 2004 (Qué din 56.479") va ché d6 bdo cdo tdi chinh adi véi ede 16 chite tin dung ban hanh kdm theo quyéi dink 86 162007/0D-NHNN ngay 18 theng 4 nm 2007 ctia Thing déc Nedn hang Nho mede Viet Nam (*Quyéi dink s6 16°) HNN ban hanh Thong tw 27 ngay 31 thang 12 nam 202] co higu Iye thi hanh ngay | thang 4 nam 2022 4 ste di, b6 sung mot s6 didu eta he théng ti khodn ké toda cde TCTD va ché do bao cdo ti chinh abi voi ee TCTD ban hinh kém theo Quyét dinh 479 va Quyéi din 16. Cde thay di chin ed Thdng i 27 nhur sau: > Sirad8i, bS sung moe sb cic TCTD; i Khosin va ni dung hach toén tuomg img trong hg théng ti khodn ké tin ~ SS MATE.‘Ngan hing Thwong mai Co phan Tién Phong Méu sé: BOSa/TCD 57 Ly Thuong Kigt, Quin Hodu Kiém, Ha Not (Ban hank theo shdng tu 88 49/20/41 T-NANN pity 31/122614 cia Thdvg Ade Nac hing Nd nde Vi Nam) > Sita di, bS sung mét sé chi tigu bdo céo tii chinh va mt sé thuyét minh bao edo ti chinh thude cde mau biét BOQa/TCTD-HN, B03a/TCTD-HN, BOSe/TCTD-HN; > Thay thé tén goi cia ede miu biéu bdo cfo thi chinh va thay thé, bai bi mét s6 cum tir Khée 4X duge aquy din trrbe day tei Quy inh 16, 4.2. Tién vis ede khoan trong dieang tién Tién va cdc khoan tong duromg tién bao gdm tién mit tai qu, vang, tién gui tai Ngan hang Nha nude Vigt Nam, ede khodn tién giti thanh toén va tién gift tai edo 18 chi tin dung khde c6 tha aian dio han khdng qua ba théng ké tirngay gir, chimg khoan co thdi gian thu hdi hodc déo han kh6ng qué ba thang ké tirngay mua, c6 Kha nang chuyén é6i d& dang thanh mt lugng tién xc dinh va khOng cé rai ro trong vige chuyén d6i thanh tién tal tei diém bao cao. 4.3. Tién giti va cho vay edie TCTD kde CCéc Khoa tién gti va cho vay eée 18 chiie tn dung (TCTD) khae durge cong b& va trinh bay theo s6 dur ng aghe tal thot didm kit thtic ky bao cdo, Vigc phan logi 1hi ro tin dung d4i y6i cic khoan tién giri va cho vay cde TCTD khéc va trich lap dyrphong ‘wong ting duge thy hign theo quy ¢inh tel Thong tur 11/2021/TT-NHNN ban hanh ngay 30 thang 7 nna 2021 auy dink v8 vike phan logi cde ti sin ¢6, mii trich, phuomg pha trich Igp dy phéng ri ro va vige strdung dy phing x If r0i ro wong hogt dgng otis fe TCTD va chi nhénh ngdn hang née ngodi (“Thong tr 11") Theo dé, Naan hing trich lap dyr phdng eu thé cho efe khosn tin gir (tri tidn git thanh tofn ti 18 ch dung trong nuic vé chi nhénb nedn hang nue ngoai trén anh thé Vigt Nam) va cho vay cée TCTD khée theo phuong php néu tai Thupét minh 4.5. Theo Thong tur 11, Ngén hang khOng edn phai trich lép dir phong chung d6i v6i céc khodn tién gir va cho vay cée t6 chute tin dung khéc, 4.4. Cie hhoda cho vay va ting treo khdch hang va ede Khodn ng mua Cie khotin cho vay va ting tude khdeh hang éurge céng bé va trinh bay theo sé éurng géc tai thoi diém két thée ky ké todn erty di dy phdng rdi ro cho vay khdch hang. (Cfo tod nig mat ug wt bay sho ede pe’ wa hn ns a ma cha Khan g.irteel ay phon Ai ro heat ding mua ng. Ce khoan cho vay ngin han Id ede khodn ¢6 thbi hen cho vay dén duéi'l nim tinh tir ngly gidi ngdn. Céc Ikhoin cho vay trung hen ¢6 thai han cho vay trén 1 nim 4&n 5 nim tinh tir ngity gidi ngin. Cée khodn cho vay di han 06 thd’ han cho vay trén S nim tinh tr nay gid ng, Vie phan loai ng va Lap yr phang ni ro tin dung duge thye hign theo Théng ty 11 hur trinh bay trong, Thuyét minh 4.5 4.5. Phin logi ng vit Dye phong rit ro tin dung Vige phan loai ng di v6i cde Khoi tidn gti vi edp tin dung cho céc 16 chite ti chinh, ec TCTD khie. Imus vay thée mua tréi phiéu doanh nghiép (bao gém cd tréi phiéu do t6 che tin dung khée phat hanh) chura niém yét, cho vay khéch hang, uy thie cép tin dung, mua ky phiéu, tin phiéu, chimg chi tién gi do chic tin dung, chi nhanh ngan hang nuée ngoti khée phét hénh va ede khodn phai thu chjw ri ro tin dung khic (goi ‘chung la “ede Khon ng”) duge thy hign theo phutong phap dinh long durge quy dinh t@i Dieu 10 cua Thong wil 10 3 {Ngin hang Thwong mgi Co phan Tién Phong. Méu sé: BSwTCTD 57 LS Thuciing Kigt, Quin Hoan Kiém, Ha Ngi (Ban bin theo thang tie s6 49 201M T-NENN ngdy 51/2204 cx Thing dde Nev hang Nid mete Vt Naw) Dupreng cute [Ngan hang thye hign trich dy-phong cy thé hang thing. Dy phong cu thé tai ngay 31 thang 12 duge xée dinh bing durng sau khi trir di gid tr ai sén dém bio da durge khdu tris nnén v6i ty 1 dur phéng theo phin loai nhom rng tal ngay 31 thing 12. Cost nde dinh gid ti] va gid tr khdu tr cba ting loel 1Ai sn dém bio duoc quy dinh trong Thong tu 11. Ty Ie dy phong ey thé d6i voi ting nhém ng cu thé nur sau: Tye thom ny Dign giai pases z dy phing (@) No tong han va due dank gi 1a co Khé nang thu ndi diy au c4 no gbe va No di Jai ding hen; hoge tidu chun | (b) No qua han diréi 10 ngay vA doe dé gid 1 e6 kha ning thu hbi diy dine aghc va lai bj qu han va thu ndi dly du ng abe va lai con lei ding tho han. 0% Noes | @ No qui han t lO ngiy Gla 90 nalys fete chi | (B)No-didu ein khan tr ng dn 5% @ No qua han ti 91 ngAy dfn 180 ngiy; hake } (b) No gia han ng tin au; hoge (©) No duge min heSe gidm I8i do Khich hang khéng &% khé ning wi I8i diy dit theo hap déng tin dung, hoge (@) No thude met trong c&e tnrong hop sau dy chua thu hBi ditge trong thot sgian du6i 30 ngay ké tirngay 06 quyét dinh thu bi © Rhodn ng vi pham quy dinh tai cfc khodn 1, 3, 4, 5,6 Bidu 126 Lust | cée 16 chide tin dyng; hose No dus = Khodn ng vi pham quy dinh igi cde khodn 1, 2,3, 4 Bidu 127 Luit ete ‘iu chudn 18 chit tin dung: hoae = Khoan ng vi pharm quy dinh tai cac khoan 1,2, 5 Diéu 128 Lugt cdc 1b | cite tn dyng, (©) No wong thoi han thu héi theo két lua thanb tra, (9 No phat thu ndi theo quyét dinh thu héi ng trude hen céa Ngan hang do Which hang vi phar théa thutn véi Nef hang chira thu hdi duege trong thei lan dudi 30 ngay Kétlengay 6 quyét dinh thu hbis hoa (8) hie yéu ciucia NHNN dya wen két gua thank tra, gidm sit vé thong tin tin dung c6 lign quan 20%, (@ No qu han ti (81 ngiy dn 360 nga; Hoke (b)-No'co céu tai tho’ han ta ng tan du qua gn dn 99 ngay theo thet han wrt nig duge ev edu lai Tan du; hoge (© No-co edu lai thas ng ted ng ln thi ais hoe (@) Khodn ne quy dinh tei Diém (4) eva ng Nhém 3 chua tha hdi duge trong pe thoi gian tt 30 ngay dén 60 ngay ké tr ngay o6 quyét dinh thu hd howe £ | soni ngy | (©) No phi che hi sheo kt Tudn than a shuns qué thi an thu héi theo KE | 30% = Jain thanh tra én 60 ngay ma va cha thu hoi duge (D Ng pha thu néi theo quyét dian thu héiing tnsde hen eda Ngan hang do Ikhdch hang vi phem théa thun véi Ngda hang chua thu hai duge trong thei sian te 20 nay din 60 ngay ké te ngay 06 guy dinh thu hd hone (2) Khicd yucdu eta NHN din én két qua thanh tra gifm sit vi thong tin tin dung 06 lign quan. Bh a a n Wed on‘Ngfin hang Thuong mai C6 phan Tién Phong Méu sé: BOSa/TCTD 57 Lf Thing Kiét, Quan Hoan Kiém, Ha Noi (Ban hank theo théng tre $8 49220147 T-NANN ngay AVI22014 cia Thdng dB Nan hog Nad me Vet Nan) Nhém ng Dign giait He de phong (@) No qui han wen 360 ngiy; howe Ts (©) No-co cd la thoi han tra ng Han du qué han tir 91 ngiy t6 Hen theo {hi han a. ng duge co eu la dn du; noe (6) Norco edu lg hdi han wing Hin tht hai va qué hen theo thoi han | ny dupe eo edu Iai ln thi hat hode (@ No’ fw li thoi han ti ng Han th ba tle, KB e8 chua bj qu hen ode d& qué han; hoae: (¢) Khoan ng quy dinh tai Diém (4) ctia no Nhém 3 chua thu hi duoe ‘Ng e6 kha ‘trong thoi gian trén 60 ngy ké ti ngay co quyét dinh thu ndi; hoae i} 5 | mangmit | (Nephi thu hi theo két Tuan than tre nhung qué thoi hen thu hdi theo | 100% via kit lun than tra tn 60 ngay mi véin chu thu hdi dxoe; hode | (8) Khon ng phai thu hd theo quyé din thu bBi ng trade han cia Neda hing do khéich hang vi pham théa thuan véi Ne’n hing chia thu hai durgc 1rén 60 ngay ké tir ngay c6 quyét dinh thu hdi: hoge (H) No ct khach hang 1618 chic tin dung duge NHN céng b6 dit vio tinh trang kiém soa: de big, hoge chi nhénl ngén hang mide ngodi b} phong ta vén vit sin, (_Khicé yéu chueda NHNN da tren ké qu thanh ta, gidm dt va thong tin tin dung 6 1ién quan. ll ‘Béi v6i céc khodn tr thay cam két ngogi hing, Neén hing phin loai ng dya trén £6 ngdy qué hen tinh tir ngay Nedn hang thuc hign nghta vy theo cam két: > —Nh6m 3 ~ No durdi tigu chuan: néu qué han duéi 30 ngay: > Nhom 4 ~No nghi ngo: néu qua hen tir 30 ngay dén dudi 90 ngay: > Nh6m 5 —Ng co kha nang mat vin: néu qué han 90 ngay tré'lén. ‘Tru’mg hgp mt khéch hang ¢6 nhiéu hon mot khodn ng voi Ngén hang ma c6 bét ky khodn ng néo bi chuyén sang nhém ng rd ro cao hon thi Ngan hing phan loai cée Khodn ng edn lai ca khach hang 46 vio nnhém ng ri ro eao hon tueng img véri mire &6 ri ro. Tring hgp ng eta khich hing duige phan logi vo nhom ng cé mite 49 ri vo thép hon nlm ng theo danh sdch do CIC cung cdip, Ngfin hing phai diy chinh két qua phan logi ng theo nhém ng duge CIC cung cf, hi Ngén hang tham gia cho vay hgp vén khéng phai v6i vai trd li ngn hing déu mdi, Nef hing thye f én phan loai cae khodn ng (bao gdm ed kho’n vay hop vin) etia khéch hang dé vao nhém rii ro ceo hon gitta anh gid cia ngan hang diu mdi va danh gid cla Ngdn hang ‘Béi v6i cde kheén cho vay trong Iinh ve ndng nghigp, néng thén, Nedn hing due phép thye hign eo ef ng va gitt nguyén nhdm ng mdt lin theo quy dinh tai Théng nr sé 10/2015/TT-NHNN ngay 22 thing 7 nam 2015 hung dn thye hign mét s6 ndi ding cia Nghj dinh s 55/201 5/NB-CP ngay 9 thing 6 nim 2015 cia Chinh phi v8 chink sich tin dung phue vu phat trién néng nghigp, néng than. Tir ngay 13 thang 3 nam 2020, Nedn hang da ép dung Thong tur 01/2020/TT-NHNN (“Thong tr 01°) do NNHNN ban hanh quy dinn vé vige TCTD, chi nhanh ngan hang nude ngoai co cfu lei thoi hen tri no, mién, ‘gid Jai, phi, gid nguyén nhom ng nham hé tre khéch hang chju anh huéng do dich COVID-19. Theo 46, 61 Yow WlaAeaANgan haag Throng mai Co phan Tién Phong Méu sé: BOSa/TCTD 57 Lj Thuing Kige, Quin Hoan Kiém, Ha Np (Ban hank theo sheng te 96 49/2014°° -NHNN naar 31/122614 cia Théng Ade Ngén hing Nha mabe 141 Nem) Vi ee hich hing e6 efe khodn ng phi sinh nghia vw ted ag gbe vivhoge Iai rong Kod tho glan tt ngay 23 théng 1 nim 2020 én ngay lidn k& saw thang ké tir ngdy Thi tung Chinh phi céng bé hée djch COVID= 19, vi ete khéch hing nay ihdng c6 khi ming tri ng ding han ng gée vivhofe Idi theo hop ding, thoe than cho vay di ky do doanh thu, hy nhp syt gi&m bSi anh huéng eta dich COVID-19, thi Ngdn hang durge phép co edu Tai thd gian tr ner cho ede khodn ng nay va van git: nguy8n nhém ng nhu 4% duge phan logi ai thd didm gdn nhét trade ngiy 23 thang 1 nam 2020. Tinga 17 thang 5 ném 2021, Neén hang 4p dung Théng tu 03/2021/TT-NHNN ngdy 2 thang 4 nim 2021 (Thong tw 03") do NHN ban hanh sita 4éi, bé sung mbt s6 digu etia Thdng tu 01. Theo dé, di wei khach hang ¢6 cée khoan ng phat sinh tere ngay 10 thing 6 nam 2020 va phat sinh nghia vu tra ng gée vavhode lai trong thoi gian ti ngiy 23 théng | nm 2020 dn ngay 31 thang 12 n&m 2021, vi cée khéch hang nay khong co kha nang ra ng ding hen ng gée vashoae Iai theo hyp déng, thoa thudn cho vay d& k¥ do doanh thu. thu: nnh@p swt gidm béi anh hudng cia dich COVID-19, thi Ngan hang duge phép co cdu lai thoi hen tré no, mign, idm 18, phi va gio nguyen nhom ng. Tinga 7 thing 9 ndm 2021, Nan heng ép dung Thong ur 14/2021/TT-NHNN (“Thong tu 14°) cua NHNN ssia 48, bé sung mgt s6 diéu eta Thong tw 01 quy dinh v8 vide TCTD, chi nhnh ngan hang nuse ngodi co edu Iai thOi han trd.ng, min, gidm li, phf, gidenguyén nhSm ng nim hé trg khéch hing chu anh hudng bot dich COVID-19, ey thé nhur sau: ai véi sb du ng durge co edu ai thd hen tri ng, miga, gidm IB, gif¢nguyéa hom ng-qué hgn theo thoi han co cd Iai va khdng tiép tue duuge Naan hang cer ef link bien hanh, Nein hing thue hign phén loai ng va ‘Thong tu 03 yéu cu Ned hang thi hign trich lap du phang ou thé d6i voi khach hing c6 sé dur ne dupe o edu lai thbi han tra ng, mign, giém I8i durge thye hign phan log’ theo hai loei ng nhu sau: (1) phan Jogi no gittnguyén nhur tude khj thye hign co edu, mign giam Iai; (2) phan loai n-theo quy dinh cia NHN vé phan Jogi ng wong hoat dng cia TCTD. Trong trudng hyp chénh léch s6 tién dw phong cdn phai trich theo loai ng (2) s0-véi loai ng (1) la dvong, Ngan hang thye hign tric tap dy phong ey thé bd sung nh sau: tha han td ng va gilt nguyén nhém ng theo e&e quy rich lép dy phéng ri ro theo Théng tu 11 Due phong bd sung Thai han “Tei shidu 30% 56 tdn eye phng oy the ph rch bé sung. | Bn ngly 31 thdng 12 nam 2021 ‘Toi thigu 60% $6 tién dyr phong cy thé phai trich bé sung | Dén ngay 31 thang 12 nfm 2022 10% sb tdn dur phang cu thé phi wich Bd ang én ngiy 31 thing 12 nim 2023_| K& tir ngéy 1 thang | nm 2024, Ne@n hang can ei quy dinh ctia NHNN v8 trich Igp dy phéng ri ro tong hoat dong eta TCTD, dé bao gém cd s6 du ng duoc co céu lai thai han trang, mid ‘ThOng tw 03 Die phang chung ich lép dy phéng rai ro d6i véi to’n b} durng, cam két ngoi bang ca kinéch hing, giém Iti va gittnguyén nhdm ng theo quy dint tai Theo Théng ur 11, dy phong chung duge trich lap @ dye phong cho nintng t8n thét chua xée dink dure ‘rong, qué iriah phn loai ng vat trich fap dir phong cy thé va trong cde trutng hop kho kin v8 ti chin eta fe 18 che tin dng khi chit lugng ede khoan ng suy glam. Theo 46, Ngén hng phal thyc hign wich tgp va uy tri dyr phong chung bing 0,75% tng gia wr céc khoan ng duge phan loai vae tir nhom 1 dén nhom 4 (ngcai 6 gid vITCTD Khe; che trit ede khoan sau day: tian giti lin agin hing; khotn vay, mua o6 ky han gi khoin mua Kj phi, tin phigu, ching eh i gi, ii phiéu do TCTD Khde phit hinh trong nse: ede Khon 3 ae ee weNgin hang Thwong mai Cd phan Tién Phong Méu sé: BOSwTCTD 57 Ly Thwing Kiét, Quén Hodu Kiém, Ha Noi ‘(Ban tanh theo thong tu 86 4920i4° T-NHWN ngay 3I/22014.40 Thre. Nain ng Na mnie Vibt Nam) mus bain trai phiu ehinh phi theo quy'diah tai ifm 1 khodn 1 éibu 1 Thong te 11). Diephong duge trich lp hang thang dire ghi nhin vio két qui hogt 4éng ela Ngan hing, 4.6. Ohiing khodn du te sin sing dé bein 4.6.1 Phin logi Chimg khoin diu ty sin sing dé bin bao gm ef chimg khoén ng va chimg khoiin vin dutge Ngan hing nim git véi mue dich dau tir va sin sing d8 ban, khéng thuge loai chimg khoan mua vao bin ra thusdng xu nhumg c6 thé ban bat cir lic nao xét thay c6 loi. Déi véi chimg khodn vén, Ngin hing khing phai ld cd dng sang lap; hoe 1a d6i téc chién luge: hoge ¢6 kha ning chi phdi nhit dinh vac qué trinh lép, quyét dinh cic chinh séch tai chinh va hoat dong ca doanh nghiép nhan dau tir théng qua van ban théa thuan cir aban sirtham_ sa HOI dng Quan ty/Ban Tang Gidm abc. 406.2 Ghinhgn n hang ghi nbn ching Khodn du ts v2o agay nhgn chuyén phan lon ri 10 va lo ich eda vige sorhow cée ching khoan nay, CChimg khofn ng duge ghi nha ban du theo gid gbc, bao gim cic chi ph giao dich vi cde chi ph of ln quan trys ty Khe. Sau 46, ching khodn ng duge ghi nn theo gid ge duge phan bé (chiu te dOng cba vige phan b& gi tri chi khiu vi gid tr phy ti iri dyrphdng rt ro va dy phong gidm hig khoda, Gi tr phy tri vé gi tri chiét hu phée sinh tirvige mua ede ehting khoda ng duge phin b3 vao bao cdo két qua host B6i voi Khoan ng duge hac toan ndi bang: ‘+ Néu gid mua ban ng cxo hon gia tr ght sé cia khodn ng, phn chénh lech duge ghi nan vao két qua hoat dgng coa Ngan hing: 1 gid mua bin ng thép hon gi tr gh sd da khoan ng, phn chen Ig s& duge ba dép vo sé tin do mt cd nhin hode ngud bio lénh (rong tung hgp ¢@ nhn hog ngudi bao lanh dé duge xe dinh la chju tréch nhigm v8 thigt hai va nghia vp ¢8 bBithuéng theo quy dinh hign huh), hoge tidy bd thudmg cia doanh nghiGp bao hiém, hote cdc khoda dy phn 48 duge ghi nin vao chi pht truce day, $6 dir edn Iai (néu ¢6) sé duge ghi nhan nh chi phi hoat ding clia Nedin hang. » Daiv doe ghi nhgn nhur thu nhp khéc cia Ngfin hing. hoan ng di dirge xti IY ni ro va theo dBi ngogi bang, khoin thu duge wr vige nir if rill 10 5 Gia tr ghi sO cia khodn no mua/ban bao g6m gid tr ghi sb cia khoan géc, li va ede nghta vy tii chinh tign quan (néu c6) cia cde khodn ng duce ghi nhén nOi bang hose di xuit ngoai bang tai ngdy mua/bAn ng; hoge git] ghi sO tai thoi ciém xir ly rai ro; gif ti eki sé ota khodn ng di xi ly ri ro td true tai ngay mus/tsin ng. Gid mua/ban ng 1a Knodn tién ma bén mus ng phai tri cho bén ban no theo hop déng mua/bén ng. 44% Cae nghiep vy bing ngoatte ‘Theo he théng ké todn clia Ngin hang, tét c8 eae nghiép vy phat sinh cua Ngan hang durge hech todn theo nguyén 12. Tai thoi diém cudi ky, 1i san va cong ned ngudn gée ngoal té doc quy déi sang VND theo ty vid guy dinh vao ngay lap bdo edo tinh hinh tai chinh, Cae khoan thu nhap va chi phi bing ngoai «¢ cba Ngan hang duge quy di ra VND theo ty gi vio ngdy phat sinh giao dich. Chénh Igch wy gid do dan gid lol cae tai san va. céng nerbing ngoaité sang VND due ghi nn va theo dbitrén Khon mye “Cdn lech 9 gi dt doi tren tai Khodn “Vn ch tu’ va due kat chuyén vo bdo edo két qui hogt dng kinh doar igi cu6i mdm ei chinh, we x we)Ngin hang Thong mai C5 phan Tién Phong Miu sé: BoSw/TCTD 57 Lf Thwing Kiét, Quén Hodn Kiém, Ha Not (Ban hint theo shang te sé 49/2014 T-NHNN ngéry 31/12/2014 cia Thing Abe Ngan hing Nkd mide Vit Nam) 4.16, Cée khoin phai tra vi chi phi tech trwée (Cée Khon phai tra va chi phi trich true duge ghi nhén cho sé tin phai tré trong tvong lei lién quan dén hang héa va dich vy da nha duge khéng phu thuge vio vige Ngan hang 48 nhén doe héa don eta nha cung cp hay chur, 4.17. Tlin git cia cde t8 chic tin dung kde, ciia khdeh hang vi phat hanh gidy torcé gid (Céc khoan tign atti cia ede t6 chic tin dung hie, eiia khdch hing va phat hanh gidy ti-eé yia duge céng bb vatrinh bay theo 56 dir aée tai shi dim kétthite ky ké todn Tai thoi diém ghi nhan ban dau, phy trdi/chiét khéu phat sinh tir vige phat hanh trai phiéu durge ghi ting/giém 6 dur géc cia tri phigu, Ngdn hing thye hign phéin bé din céc chi phi ny vio “Chi phi lai va cée ehi phi tuong tu" theo phuong phap dung thang phit hop véi ky hen cha gidy to ¢6 gid. 4.18 Thad thu nhép doanh nghigp Thu thu nha hig enh ‘Tai san thué va thué phai np cho nam hign hanh va cac nam truée duge xéc dinh bang gi tr] dir kién phat nép cho (hoge duge thu hdi tt) co quan thué, 4p dung mie thud suft va cfc lug thu e6 higu lye vao ngay két thie nim tii chinh. ‘Thad thu nhdp hign hanh duge ghi nhin vio ét qua hoat d@ng ngoai tr truing hyp thué thu nhgp phat sinh fit quan dn mét khodn myo:dhrge hi t vio vén chit 56 hit, trong trutmg hp ndy, thu thu nh hig hanh efing duge ghi nhén tre tifp vio vén eh sé hu. Nedn hang chi due bit tiv cde tai sn thué thu nhp hign hainh va thué thu oh§p hin hanh phai tra khi Nain hang ¢6 quyén hop phap duc bi trir gitta ti sn thué thu nhap hign hanh véi thué thu nhép hign heinh phi ndp va Nein hang du dinh thanh todn thué thu nhdp hign hanh phai tré va ti sin thué thu nh§p hign hn wréa co sé thud Thud thu nhap hoan tet ‘Thué thu nhgp hoan Igi cuye xac dinh cho cdc khoan chénh Iéch tam thai tai ngay lap bao cao tinh hinh tai ehh gita eo 36 tinh thué shu nap cba cdc ti sin vA.ng pha a va gla tl ghi mune vA digu ha khong khi AAT (88 Pa | Cung eAp nude; oat déng quan If va xirly " Sd Tie tia 271017 0,17 579% 0,18 ay dung 10.423.584 648 7.765.761 550 Ban buén va bin Ié sta cha 6 t6, m6 t8, xe Tay aiseod dug on tile 9.482.537 5,89 9.034877 6.40 ‘Vain tai kho bai 7017374 4,36 7204518 5,12 Dich vy uu tré va én ubng, S71.411 035 441.270. 031 ‘Thong tin va trayén théng 605934 0,38 940985 0.67 Hogt dng kinh doanh ba: dng sin 10.165.315 6,31 9.762.749 691 tog ng chuyén man, khoa hoc va cing ies | ie aiid Dis Host dng hanh ehinn va deh vy ni try 280.964 0.18 386305 0.27 Gio due va ddo to 262,019 0,16 232436 17 Y té va hoat déng tro gitip xa hoi 148.164 0.09 81.769 0,05 Nahe thugt, vui choi v2 giai i 390558 0,24 338.160 0,24 Hoat dng kinh doanh ihe 1.884.222 117 2.858930 2,02 Hoat dng lim thu8 ee cng vige trong cée hi gia din, sdn xudt sén phim vat chét va 93,897.292 $832 76272243 54,02 dich vu turtigu ding ota gia dinh Tong 160,992,963 _ 100,00, 141.227.8857 _ 100,00 BNgin hang Thwong mai Cé phin 57 Ly Thuong Kiet, Qudn Hoan Kiém, Ha Not (Ban han theo tong te Méu so: BOSwWTCTD 6 $201 TENN gd 31/22014 cia Thing dbe Ngan hing Nhs mate Vibt Nom) 10. Déi vi sy thay di (Ling/ gidm) eita Dy phong rai ro tin dung Dy phing chung Dy phong cy thé Tong cdg Trigu VND Trigu VND Trigu FND 86 dw ddu ij t9i 01012022 1.066.540 698.782 1.768.292 Dy phong rif ro trich lp trong 43/ (Hoan nha dy phng trong 145911 1.703.625 1.849.536 ky) Dy phong giam do xirly cae Khoa ng khé thu hdi bang ngudn 2 (1.782.240) (1.782.240) aur phong S6 dur cudi ky tai 31/12/2022 620.137 1.832.588 11. Hoat dag mua ng 31/12/2022 3412/2021 Triu VND Trigu VND Mua ng bing VND 70.817 701.456 Mua ng bang ngoai t¢ 111.098 266.154 Dy phong niiro (7.357) Ting 960.393, ~ Gid ti gbe, i cia ete khodn ng dé mua 34/12/2021 (rig END cee khoan ngy mua 958.105 Gis wi phy tri eda muang : 9545 181.975 967.650 ~ Phan tich chdt begng dee ng ctv hoge ding mua ny 31/12/2022 31/12/2021 Trig VND rigu YN. No dit tigu chuén 181.975 967.650 181.975 967.650Ngin hing Thwong mai Cé phan Tién Phong 57 Ly Thuong Kigt, Quin Hoan Kiém, Hit Ni Méu sé: BOSa/TCTD (Ban han theo thong es 49/20 14/7T-NHNN ngiy 31/122014 cua Thing de Ned hang Nhd mabe Viet Nom) 12, Ching khod dau tur Ching kote shin stag ad bin @. Ching khodn ng + Chitng khoan Chinh phi + Ching khoin Ng do cfc 18 che tin dung khae trong nude phat hanh = Ching khoin Ng do che t cht: kinh trong nuée phe hanh 4, Chaim kod vén = Chime khosn Vn da eie th chie kinh trong nase phi kan ¢ Durphing nitro ching bhodn die ne sin sdny 08 bn ~ Durphong cy thé ~ Dyrphong chung. - Dy phong giam gid chung khodn *Téng ching khoin sin sing 48 bin Ching kioén dd te git dén ugdy dio han 4. Chiong khoda ng ~Chiing khodn No do ede 16 chire kinh 8 trong nurée phat hin Trong d6: Ching khodn ng do DATC ph hamh bs Dy phidngrii ro chitmg kiodn du ur gl dda ngay do han - Du phong chung téi phiéu DATC Tdag chéng khoin alu tw giv adn nghy ao ign Téng ching khoan du tw 31/12/2022 Trlgu VND 74,340,473 24,326,689 28.300.133 21,623.65! 180.200 180.200 (188.394) (164.427) (23.967) 74.332.279 44.700 44.700 44.700 (333) (335) 44.365 74.376.644 31/12/2021 18.849.337 25.128.995 18.576.663 180.200 180.200 (374.876) 4.205) (141.125) (252.545) 62360319 44.700 44,700 44.700 35) (335) woe ts Vea wetNgan hang Thuong mai Miu sé: BOSa/TCTD 57 Lj Thuong Kigt, Quéin Hoan Kiém, Ha Noi (Ban hank theo thing ue sé 49/2014/TT-NUINN ngiy 31/12/2014 eva Thong die Neda héang Nhis ucie VietNam) = Tink hinn bién dong die phong cde Khodn ching Khon dae ue ong hy Duephong clung — Durphong gidm gid Dee phong glém gia —dDuphdngeuhé Dur pling ebting ching Kiodn déu ching kiodin du tr chieng khoén déu chimng khoin dau, khodn dau te gitt ren, he sin sing até bein sam sing dé bin tesansang dé bén tie sdin sang, dé din dén ngay déo han ‘Ss (ching thodn ng) (crineg Hocin no) (ching Rhoda vén) (cha Mon ng) (Tréi phiéu DATC) Reader Tegwiléng Trigu dng Tidus Titiuding 85 dw dé ky ti 01/01/2022 141.125 232.546 2 1.205 335 375211 86 dy phong trich lip/{ hon Z m . aCe GD 23.302 (232.546) 23.967 (1.203) (185.482) $6 aw eubi ky t3131/12/2022 164.427 23.967 F 35 188.729 26 eeNein hang Thwrong mgi Cé phau Tién Phong Miu sé: BoswTCTD 57 Lf Thuong Kigt, Quin Hoan Kiém, Ha Noi (Ban hank theo théng te 96 492014.TT-NHNN ngioy 31/122014 cia Thdig de Nagin hang Ndi mse Viet Nam) Phan ich chit lugng Chieng hhodn cluca niém yétchege phat hanh bsi cde TCTD vis TCKT 31/12/2022 34/12/2021 Trigun YND Tridu VND_ No dia gu chuan 40305.111 No cé kha nang mat von ‘Tong 40,305.11 13. Tai sin e6 djnh hiiw hink Dom vi tinh: Triéu VNB bal Phuvng t Thiéebi, cl Koin mye By aes vantal, ——dyngey_—Tuisined cone ——truyén din _quam bp ST Nguyén gia 86 du dau ky 510.970 2.601 550.477 8.986 1.133.034 88 tang trong ky 447.323 11.438 136.869 1.443 597.073 imine #47323 1148 13880 las 597073 sé gan wonsly 633) 37) ao 312) + Thani Wy, nhurgng bin as 497) 4.312) séawvasiky 71.667 685.939 10229 _ 1.728.798 Gis rj hao man Ip ké 6 dur du ky 35.478 274.923, 620.164 Sé ting trong ky 7384 92.821 206.530, ~ Khdu hao trong kj 7.354 92.821 206,530 a $6 giam trong ky 372) (1.407) (4312) = Thani iy, nhugmg ban 2.372) a0 v 86 dur cudi k 40.460 366.337 w Gif tri con bai J Tal ngay ddu ky 207.970 27.123 Tai ngdy cudi ky $49,764 31.207 14. Tai sin 66 inh v6 hi Bon v¥ tink: Trigu VND Kein mye Phin mém may tinh Nguyen gi 6 dur dau ky 620.296 Sé ting trong ky 130.515 ~ Tang trong kp 130.515 130515 Sé gidm trong ky - : Sé dueudi Ky 750.811 Gli tri hao man tuy Ké Sé died ip 344.553 344,553 Sé tang rong ky 104.285 ~ Riba hao trong F) 104.285 sé ctr eudi ky 18.8585 Gis tr cou gi Taingay diu ky 275.743 275.743 Tai ngay eubi ky 301973 301973 2Ngin hing Thwong mgi Cé phan Tién Phong 57 Li Thong Kiét, Quin Hoan Kiém, Hit Noi 15. Tal sin C6 Khde Chi phi xay dung co ban do dang/Mua sém tai sin c6 inh (Céc khoan phai thu khée Céie Hhodin phat thu néi b6 Ce tod phi th bén ngodi (Cae khoan lai va phi phai thu Dy phing ri ra cho céc tai in 0 Khe ‘Tal sin Co khde Téng Du phong rai ro cdc ii sin Cé nl bang hide Sédw diu nim Trich lép trong ky 56 dy phong da st ung dé xj ly rbi ro wong ky 86 au cubiky 16, Cée khoin uy Chiah phi va NHINN Vay NHNN Vay theo hé so tin dung. Téng Méu sb: BOSa/TCTD (Bar hina theo théng nes 4922018.7T-NANN ngiy 31/122014 cia Thing dde Nex hing Nhi music Viet New) 31/12/2022 31/12/2021 TriguVND _‘Trigw VND_ 195.657 497.4 17,350.058 15.785.414 114.679 074 17.235.389 15.687.340 3.140.637 935.129 (5.091) 3.616) 5.046.097, 1.650.611 25,727,368 19,864,752 31/12/2022 31/122021 ‘Trigu VND Trigu VND 3.616 L475 1.003 (51.088) 091 3.616 31/12/2022 31/ii20at Trigu VND Triew IND. 433.439 564.074 533.39 364,074Ngan hang Thuong mai ‘Tién Phong 57 Lj Thuong Kige, Qudn Hoan Kiésn, Ma Noi Mau sé: BOSW/TCTD (Ban hin theo thong sd 4920147 P-NENN nga 31/12/2014 etia Thing de Nod hang Nhit mnie Vibe Nam 17. Tién, vang giti vi vay ede TCTD khie Tiga gui cde TCTD khae ‘Tién gi khong ky han - Bing PND Tid girio6 ky han = Ring VND - Baigngoatte Vay cic TCTD trong nu6v, cic nga hang nude ngoai, chi nhdinh agin hing mde ngodi khie tai Vigt Nam - Bang ¥ND = Bing ngoal 2 - Vaychiét thdu GTCG ding VND Vay cic TCTD tai muse ngoai ki - Bing ngooi ¢ ay t8 chite tai chinh quée 16— International Finance Corporation (“IFC”) ~ World Bank Group Jing ngoai 18 Vay cie TCTD trong nuée, cic ngan hang nude ngoai, chi nhdnh agin bing nude ngoai khie tgi Vigt Nam cho mye dich tal ry huang mal ~ Bing VND = Bing ngooi i Vay cie TCTD tai nude ngoai khde cho muc dich tai tro thuong mgi = Bing ngooi i ‘Tong 18, Tikn giti cia khich hing + Thuyét minh theo ky han vit log tién git ving gti khong ky han = Ti i Khéng ky han biing VND -Tifn gi Kiéng ky han bing vang, ngoaité Tidn, ving iti e6 ky han = Tién giri cd ky han bing VND. “Ti gili cd ky han bing vang, ngoai té ‘ida gh vbo chuyeh ding aus 47.265.800 19,317,006 19,317,006 27.948.800 27.948.800 1.897.464 1.897.464 4.177.150 1.177.150 672.657 672.657 13.318.071 1.026.478 2.20).503 9.168.010 9.165.010 73,496,158 31/12/2022 Trigu VND 32.25.1986 28.473.340 4.05 1.846 159.778.007 157.552,075 2.225.932 42.889 2.613.839 194,959,921 31/12/2021 a 59.315.404 14,026,784 14.026.784 30,288.680 31.29.0060 8.259.650 12.442.198 5.800.000 2.059.200 4.562.998 343.200 343.200 1.307429 1.307.429 13.168.100 8.842 4.325.178 6.439.569 6.439.569 $7.015.960 31/12/2021 TDrigu VND, 30.74.9098 28.991. 897 1.843.101 107.067.529 101.812.538 4.991 19,707 1,700,028 139,562.262.Ngin hing Thong mei C3 phin Tién Phong Mau sd: BoSWTCTD 57 Li Thuong Kiét, Quin Hoan Kiém, Ha Noi ‘Ban hisnh theo thing tesé 4920147 NNN ney 31/122014 cia Thing dBc Nein hing Nh mute Vee Nam) ~ — Thuyét minh theo déi trong khdch hang, iogi hinh doanh nghigp 31/12/2022 31/12/2021 Trigu VND. % Triu VND Céng ty TNHH MTV do Nha nue sé ha 9316599 479 5.740.143 100% vén digulé COngty TNHH hdc 29650186 15.21 25.437.676 Céng ty 28 phn c6 vén 08 phin ella Nha nude chiém tren 50% van diéu Ié hoge 1éng 86 c6 phan cb quyén biéu quyét; hod Nha 918.491 0,47 1.080.137 077 nude gitt quyén chi phéi di véi cing ty trong Biéu I¢ cla cong ty Céng ty ¢6 phn khée 62814760 32,22 43.76.18 3132 Cong ty hop dann 654 - 65.941 0.03 Doanh nghigp tr nhan $2,864 0,04 35.129 0.03 Deanh nghiép ¢5 vén dau tw nude ngodi 460.065 0.3 44524 032 Hp tde 28 va lign higp hop téc xi 93.671 0,05 2.673 : HO kinh doanh, c nhan 39974361 46,15 61.687299 44,20 Don yjhinh chink syrnghigp, Dang, doin ere 40 tide Ook thé va higp h@i Khée 71,508 0,04 39.375 0.03 Téng cong 194,959.921__ 100,00 139,562,262 _ 100,00 19, Vin tai trg, liy thie diiu tu, cho vay TCTD ehju riti ro 31/12/2022 3442021 Trigu ND ign VND ‘Vén nbn cia céc t6 cht, cd nhan trong nude khéc bing VND 164.923 172.864 ‘Vén niin ue tiép ia cd 16 chu tal chinh qude té bing ngoal t 238,800 ‘Tong 164.923 401.664 20. Phat hanh gidy 10° c6 gia + Thuyét mink theo logi tién 3122022 3422021 Trigu VND Trigu VND_ Bing VND 20.436.139 35,412,000 Chit khdu (6.185) Tong 20.429.954 + Thuyét mink ménh gid theo i} loan sunzn0r2 3unzw2) Trigu YND. Trig VND. Gily te 66 gid 6 ky han dén 366 nady 900.000 5.000.000 Gidy 18 6 gid c6 k) han th 367 ngay dén 1826 ngay 18.002.430 26312279 Gily t& 06 wid c6 ky) han trén 1826 ngay 1.533.709 4.099.721 Ting 20.436,139 35.412.000 21, Cée khodin ng khic suiza0n2 31202 Trigu YND Teigu VND. Ce khoan Iai, phi pha ta 4:125.419 2.583.032 Cc khon phai tra va cong no kha 2.785.141 1.230.164 Cie khodn pha td khde 2.780.139 1.230.162 Qu khon thueéng phate loi 5.002 2 Ting 6.910.560 3.813.196 30Méu sé: BOSw/TCTD Ngan hang Thuong mai Cé phan Tién Phong, 57 Ly Thuong Kiet, Quin Hoin Kiém, He Not (Ban hitnh theo thing we 88 4920147 T-NIND regay JU/122014 citar Thing dde Ngan hing Nes rvce Viet Na) 22. Vin vi qu cite TS chite tin dung Dan vi tink: Triéu YN iin gon lV ang die Sus De Sap Dare: hudin sé - A chinh ign i Be nll Sé durdiu ky 15.817. 2.560.965 1.050.536 338.343 6.219.671 25.987.070. Loi nhugn tang trong ky - : Z 6.260.815 6.260815 Trich quy trong ky (*) - - 482918 241.458 (724.376) Trich fap ede quy dy tra va quy z chen thuéng, phic loi () - a a C005 igu chinh kid - - : : 6.833) 6.833) ‘56 dureudi ky 15.817.555 2.560.965 1.533.454 579.801 11.747.277 32.239.052 (@) Thich quy trong ky duoe thu hign theo phong an phiin phéi loi nhudin va trich lap cde qui am 2021 due thing qua tai Nehi quyét Dai Hoi ding C6 dong sb 01/2022/NQ-TPB.DHDCD ngay 26 thang 4 nim 2022. 31 eamesNgan hang Thwong mai Cé phan Tien Phong 57 Lj Thuong Kigt, Quéin Hoan Kiém, Ha NOi Chi tide 06 phidu eiia Ngan hang nue sau: Sé lugmg c phiéu dang ky’ phat hinh 86 Iugng cé phiéu da ban ra cdng ching ~ C6 phi phd thong vu dat 6 tagng.b phidu due mua el - Cé phidu C4 phidu ph thong = C6 phidy wu dh 86 luong c6 phiéu dang lina hanh + C6 phiéu pho thing = C6 phd au daw Ménh gid cd phiu dang lwu hanh (Béng) 23. Thu nhép ll va cde khodn dhu nh4p tuong or Thu ahgp tir lai tién gu ‘Tha nh tw lai cho vay ‘Tha lai tir kinh doar, iu tw ching khodn Ng Thu kh te hoat dng tin dung Trong dé: Phi lidn quan aén tin dung Thu tirnghigp vu béo tanh ‘Thu nhdp lai tirnghigp vy mua bin ng Ting 24. Chi phi lai va ede khoan chi phi tuong ty Tra lain gi Tra lai tién vay Tri Chi phi hogt dng tin dung kiée ‘Tong at hind eidy 18 6 gid ‘Mau sb: BOSa/TCTD (Ban hank theo thing nr 03 49201/TP-NHNN nga 31/12/20) esa Théng dée Naan hing "ho rnde V4 Nan) 3112/2022 6 phigu 1.581.755.4905 1.581.755.495 1.581.755.4953 10.000 ‘Tir 01/01/2022 dén 31/12/2022 Trigun VND 156.992 16,420,009 4.079.043 362.212 529.600 359.407 33.352 21,811,015. ‘Tir 01/01/2022 aén 31/12/2022 Trigu VND 7.092.180 1.208.644 1.321.453, 802.141 10.42.4418 31/12/2021 ob phil TSB785.4 1.581.755.4958 1.381, 755,495 10.000 ‘Tir 01/01/2021 dén 31/12/2021 Trig VND 43.824 13.361.893 2.955.946 609.349 37.670 391.743 64.062 17,426,817 ‘Tir 01/01/2021 aén 31/12/2021 Trig VND 720 356.603 1.456.974 607.971 7.480.768Nein hang Thuong mai Cé phan Tién Phong S7.Lj Thing Kigt, Qudn Hoan Kiém, Ha Noi 5. Laild thuin tir hogt dng dich vy ‘Thu phi dich vy ~ Host déng thanh todn ~ Hogt déng ngan quy > Djch vy kinh doanh, dich vi bao hiém va tr van = Thu phi dich vy khde Chi phi ~ Hoat déng thanh toén ich vy lién quan = Cue phi buu dién vé mang vign théng. = Hoat déng ngan que ~ Dien vu vn, uy thae va dally Chi phi dich vy kc LaV/16 thudn ti hoxt dng deh va 26, Lai/lé to hogt dng kinh doanh ngoai héi Tha ohap tirhoat dong kinh doanh ngogi hdi + Thu ti kinh doanh ngoait@ giao ngay va ving, ~ Thu th ede cong cy tai chin phi sinh wen ve Chi phi host Agng kink doanh agogi Chi vé kinh doarh ngoai #8 giao ngay va vang = Chi vé cde eBng cu tai chinh phai sinh tién t@ ‘Lai/6 thudn tir hoat déng kink doanh ngogi hdi Mau sé: BOSa/TCTD (Ben hanh hoo thing te x6 49/2014 T-XINW ngey SI/12/2014 cite Thong dée Nein hime Nid made Viet Nam) ‘Tw 01/01/2022 dén ‘Ter 01/01/2021 aén 31/2/2022 31/12/2021 Trigu VND Tridu VND 3.596.301 2.259.689 1.829.389 703.008, 6307 ABB 816552 955.482 884.053 594.726 (904.321) (717.223) (411.465) (304.175) (158.980) (116.895) (17.350) 48.009) (2.340) (3.361) (614.185) (274.183) 2.691.980 1.542.460 THOLOL202 ain THrO1/01 2021 aéa 31/12/2022 3122021 Trig UND Trig VND. 2.046.490 1.681.844 1.058.757 772.655 987.733 909.189 (1.636.274) (1.308.470) (621.826) (364.800) (1.014.448) (943.670) 410.216 373.374 27. Laid ehudn tir hogt ding mua bin ching khoin du te “Tho nhip tir mua bén chimg khogn du tr Chi phi vé mua bén chimg khoén du tw Hodn nhéo(Chi phi) dir phdng shi ro ching khodn dn tr Lay 16 thudn te hogt agng mua ban etung khodn du ar 33 ‘Te 01/01/2022 aen Tero1o1/2021 dén 31/12/2022 31/12/2021 VND _____—‘Trigu VND. 345,507 1.791.044 (305.734) (153.585) 186.482 (228.317) 26.255 1.409.742 Madin hang Thuong mai Cé phan Tién Phong Mau sé: BOSa/TCTD 57 Lj Thing Kigt, Quan Hodn Kiént, Ha Noi (Bon hah theo thong te 30 49201417 -NEINN nga 3U/12/2014 ctta Théng die Ned hang Nha mine Vi6t Nam) 28. LaiN6 thuin ti hogt dng khie ‘Tir 01/01/2022 dén ‘Tir 01/01/2021 dén sui2r2022 31/12/2021 Trigu YND Trigu VND. Thu nhap tirhoat dong knae 1.324.949 95.761 oie khoan ng 48 duge xir fy x08, bt dap bing — hee ~ Thu tir than If, hung bia tai sin e8 ji 629 166 = Thu tir hogt dng kinh doanh khée 702.283 247.639 Chi phi én quan én hoat déng khse (@2.808) 249.084) ~ Chi ti thanh ly. nhurong ban t8i sén 6 dinh a) + Chi phi tign quan dén hogt dng kinh doanh khée (€22.767) (229.984) LaW/18 thudn ti ede hoat dng kinh doanh khac 702.141 248.771 29. Chi phi hogt dong ‘Tir 01/01/2022 dén ‘Tir 01/01/2021 dén 31/12/2022 31/12/2021 ‘Trigu END gu VND Chi np thud va cdc khodn phi, 1é pit 15 96 CChi phi cho nha vién 3.201.585 2.597.952 = Chi luong va phy dp 2.919.946 2.325.220 = Cae koa ett ding gop theo luong 150.330 123.997 = Chitra edp, y é cho CBNV 14.030 10.983 = Chi ktde cho nhan vien 117.239 80.152 Chi v8 tai sin 1.023.736 816.441 Tong dé: - Khdw hao t0i sin 4 dink 310.815 257.062 Cri cho hogt dong quan ly cong vy 1.613.286 1.426.074 Chi nop phi bdo hiém, bio dim tén gti ctakhéch hing 104.260 88.230 Chi phi dy phiing (khéng tinh chi phi dy phéng ri ro tin ung n6i va ngoai bang; chi phidu phong gigm gia ching 1475 1.003 khoan) Tang 5.945.257 4.570.090 30, Tién va tuong durang tién 31/12/2022 31/2021 Trigu YND Trigu VND ‘Tin mit v8 ede khosin tuomg dirong tin ti guy 2.426.932 2.593.309 Tin gti tai Ngén hang Nha nuse 11.988.501 18,030.48 pe aise 16 chate tin dung khée (gdm thong mien esau es, pola de atcha a 5500 000 yeess0-n00 Ching tne in au hoe thanked sania Ting 30571 36.461.208 USAT Bas,‘Ngan hang Thuong mai Co phan Tién Phong, 57 Lf Thing Kigy Qu@u Hoan Kiém, Ha Not Miu sb: BOSa/TCTD (en hanh theo thang nes6 4920-4.TT-NENN may 31/12/2014 cio Thdng die Ngin hing Nha nad Vie} Nom) 31. Cie cam Két dura ra 31.1 Laphi cho vay vi phil phéi thu cuca thu dege 31/2/2022 Trigw VND Lai cho vay chua thu durge 570.973 Téng 570.973 379.543 31.2 No khé di da xi 31/12/2022 31/13/2021 Trigu VND Trigu END Nog ge cia kho’in np/phai thu da si If rio dang trong esis Fire Neri fa dn ng xr) iro dang trang ti en aes sient Tang 12.054.394 9.718.932, 34.3 Tai sin va chitug tie kde 3412/2022 3122021 Trigu VND Trigu VND Kim loai guy, da quy git ho 573.020 585.00 Tal sin Khe git hp 163.513, 110,199 Tai sin thu ngoai 5.698.698 4.860.921 Cis ching tireé gi tri khée dang bao quan 48.760.473 45.570. Tang $5,195,704 126.732 + 32. Chiah sich quan ly rit ro Djah huréng ofa Ng’n hing [a tro thank m@t «6 chit tai chinh da nang. Do vay, vige sit dung ede eng cv Ai chin, bao gm huy éBng vin tt khéch hing (bing sin phim in gui va phathanh giéy 06 gid) va dau 1 vo chinh 66 chit lugng eo ui hanh hogt dong mang th then chot glap Ngan hang dat ge moe chénh leh ii sudt cin tid, Ket eka eaih quan If ni ro, Ngan hang phi duy wr co edu can myc tl sin, cong ng vi nguén vén (bao gbm ee khodn mye ngi bang va ngogl bing) vi mye teu an toda, glam thidu ri ro trongheat dng nan hing. Bén canh dé, Nein hing thye hign diu tu vio ede ching khofn hay dp tin cyngcho cite ngan hang khde. Nhiing ri co ign quan d&n tra di ngoa e va thay di lai sudt cue quan IY thong que ép dang han mie ri ro nhim hen ché sy tip trang qué mic, @Bng thoi ngén hing tham gia vio cdc hogt ding 66 tie dung can bing lin nhau dé gidm thi ero. Thong qua vige nin git nhiG thi sin 1 c&c cOng ey ti chin 6 chit luyng cao, eo edu bio eéo tinh hinh tai chinh cia Ngfn hing o6 di kha nang phong neta rai ro tong yu tong qué tein oat ng kink doanh vi im bio khé ning tanh khodn, Them vao db, Nedn any cone tham gia vao nhigu gieo dich phing ngia rio lin quan on ede ebng cy ta chin nh ee eam két hodn dBi cho mye dich quan ly rii ro, ‘Trong qué trinh quan Ly ri ro tin dung, Ngan hang da str dung e6 higu qua cde van ban quy dinh, wong 46 hi chi ti ede ehinh séch va thi tue cho vay cling ahur ode hubng dn thye hign 8 chudn hea ede hogt dgng tin dung ctia Ngan hang, Roi ro thanh khogn duge han ché théng qua vige ndm git mOt sé lugny tin mat va cle Kod tuong dro tidn dud ds fi Khon Nostro & imc d hop If, cdc khoan tién giritai Ngan hang Nha nude va cde tb chit tin ung khie va cde ty to o6 gid ro cing dupe st dng ai CORENgfin hang Thuong mai C6 phan Tién Phong. Méu sé: B0Sa/TCTD 57 Lf Thuing Kigt, Quan Hoan Kiém, Ha Noi (Ban hank theo thing we 36 49°2014/1T-NENN agiy 3122014 ita Théng tbe Nes hing Ni ds 6 Nan) dé quan 1¥ rai ro thanh Kod. Ngan hing thutng tién hanh dénh gia chénh isch tai suét, so sann voi cde thi truing trong nude va quée té dé co nhang didu chinh kip thd. Thém vio dé, vige ap dung cde quy trinh quan ly ri ro ndi 66 cling tré nén higu qua hon nho vige trién khai Hé théng Quan ly Vén Tap trung va Hé théng Thanh toén Tép tung, theo dé tod bO cde glao den vén va thanh ton eta Ngan hang edu do Hi s6 chinh thye hign. ‘Vige dé cho phéo Ngan hang gin séi higu qua hon edc bién di v8 vén va gidm cée sai sot co thé xay ra cling nih ning tha tuc phe tap khéng cdn tide 32.1 Rall ro tién te Rai ro sign 1€ [a rai ro ma gid tri clla cic cong ey tai chinh bj thay 461 xudt phat t nhong thay d4i vé ty gid, [Ngan hing due thénh I4p va hoat dgng tal Viet Nam v6i dBng tién bdo céo 1a VND. Trong ki a6 eo du tai sin-ngudn vén elie Ngan hang bao gdm mpt phan bang ngoai 1@ (bao gbm USD, EUR...) do 46 6 thé phat sinh rai ro tien tg Rui ro tida 1 d6i v6i Ngan hing bao gdm: + Rail ro és 1@ trong hogt dgng kinh doanh ngoai te + Roi ro #8148 trong hoat dgng huy dong vén va cho vay ~ Rita i@ trong hoat @dng db ur ‘Nean hang 43 dura ra mdt hé théng han mie 48 quan ly trang thai cha cdc dng tan. Trang thal ddng tién duge quin ly én co sorhang ngiy va chign luge phong ngte ri ro dupe Ngan hang sir dyng dé dain bao vdng, Map. trang thd cd oe dng tién €uge duy tr trong han me de thi 36 Yow ae goneNgan hing Thuong m Cb phan Titn Phong. 57 Lj Tht Kitt, Quin Hon Kido, Ht NGI 10 uw 2 B “4 TAISAN ‘Tién mgt, ving bae, dé quy ‘Tién gir tgi NUNN Tidu gir tai vi cho vay oie TCTD kehae (+) Cie cing cy tai chinh phai sinh ce tai sim tai ehinh Khe Cho vay khéeh hing vii mua ng (*) Ci tai san 06 kehae (*) TONG TALSAN NO PHAITRA VA VON CHU SO HOU ‘Tién gibi va vay eiia NUNN va TCTD khie Tin giti cia khich hang Von tai tro, dy thae ddu tu, echo vay TCTD chju rire Cie kon ng khiic TONG NQ PHAI TRA VA VON CHU S6 Hou TRANG THAI TIEN TE NOT BANG TRANG THAI TIEN TE NGOAL BANG TRANG THAI TIEN TE NOI, NGOAT BANG (*)KhGng bao gbm dur phong rai ro re Méu sé: BOSwTCTD (Ban tanh theo dng 01598 AOMUTTE-NINN nga 31/12:2014 cia Thdng dé Ngan hong Nid sie Viet Nam) Don vi tinh: Trigu VND USD duge quy EUR doe quy Gili ving da Ngoai t@ kde quy asi t@duge quy dai abi aoe 92.309 36.908 1.176.190 30.970 1.336.467 1.971.088 8377 1.979.435 866.562 93.825 - 211.392 1am 4.916.564 (12.610) - (74.346) 4.829.608 7.998.215 : - - 7.888.215 3.367.806 6241 : 141,520 3.515.567 19.102.604 w27at 176.190 309.536 20.724.071 13,158,681 6237 - 141.493 13.306.411 6.692.377 123.149 - 108.169 6.923.695 21.017 su : 464 221.992 0.072.075 129.897 : 250.126 20.452.098 (969.471) 2.844 1.176.190 59.410 268.973 1.269.364 - (616.758) (1.193.982) (541.376) 299.893 2.844 $50,432 134.572) (272.403)