VTPBank

Ngan hang Thmmg mai C6 phk Ti^n Phong

Bao cao Tai chinh Hop nhit Quy I nam 2024

Thdng 04 -2024
 Ngta hflng Thuong myi Co phttn Tittn Phong
57 Lf Thudng Kift, Qufin Hoan Kifim, Hd Nfi

Thttng tin vtt Ngta hflng

Ngta Mng Thuong myi Ctt phttn Tittn Phong (sau dfly gyi fit 14 "Ngta Mng") Ifl ngta Mng thuong myi ctt phttn
duyc thtah lfp tyi nude Cfng hfta Xfi hfi Chu nghia Vift Nam vflo ngfly 5 thfing 5 Mm 2008 toeo Gitty phfip thfinh
lfp stt 123/GP-NHNN ctia Thttng dttc Ngta Mng Nhfl Nude Vift Nam ("NHNN"); Gitty phfip thflnh lfp ctia Ngta
htag duyc dittu chinh, stia dtti vfl btt sung toeo Quyttt djnh stt 1868/QD-NHNN ngiy 03 thfing 10 nfim 2023 ctia
Thttng dttc NHNN. Thfti hyn hoyt dfng ctia Ngta Mng 14 99 nfim ktt tti ngfly cttp Gitty phfip thflnh lfp stt 123/GP-
NHNN. Gitty chting nhfn dflng ty kinh doanh ctia Ngta Mng duyc dfing ty ittn dttu ngfly 12 thfing 5 nfim 2008 vi

dtag ty tMy dtti ittn thti 30 vflo ngfly 25 thfing 08 nfim 2023.

Hfi dttng Qufln tej NGI

Ong Do Minh Phu Chi tich

6ng Lfi Quang Tittn Phft Chti tjch
6ng Dtt Anh Tti Phft Chti tjch
Ong Shuzo Shikata
Phft Chti tjch
Bfl Nguyin Thj Mai Suong Thfinh vifin
Thfinh vifin dfc lfp
BflVaBichHfl
Ban kittm sofit

Bfi Nguyin Thj Thu HuongTruftng ban kittm sofit

6ng Thfii Duy NghiaThfinh vifin chuyfin tifich

Bfi Nguyin Thj Thu NguyftThfinh vifin khfng chuyfin tifich

Ban Tttng Gifim dttc, Gifim dttc Tfii chinh vfi Kl tofin touting

Tttng Gifim dttc

Ong Nguyin Hung
Phft Tttng Gifim dttc
6ng Phym Dring Anh
Phft Tttng Gifim dttc
6ng Nguyin Httng Quta
Phft Tttng Gifim dttc
Ong Nguyin Vift Anh
Phft Tttng Gifim dttc
6ng Lfi Httng Nam
Phft Tttng Gifim dttc
6ngKhticVtaHya
Phft Tttng Gifim dttc
Bfi Truong Thj Hofing Lan
Phft Tttng Gifim dttc
6ng Dinh Vta Chiln
Phft Tttng Gifim dttc
dng Bui Quang Cuong

6ng Nguyin LSm Hofing Gifim dttc Khtti Tfii chinh

BfiLfiCttmTti Kl tota truong

Try sft chinh

Tria nM TPBank, Stt 57 Lf Thuftng Kift, Phuftng Trfn Hung Dyo, Qufin Hofin Kiim, Thfinh phtt Hfl Nfi, Vift

Nam.
 Mfiu si: B02a/TCTD-HN
Ngta hflng Thutrag myi Ctt phttn Tien Phong (Ban hdnh Mo Mng tu sfi 49/2014/TT-NHNN ngdy 31/12/2014
57 Ly Thudng Kift, Qufin Hodn Kifim, Hd Nfi

BAO CAO TiNH HINH TAI CHINH H<^fP NHAT

Tqi ngdy 31 thdng 03 ndm 2024
31/12/2023
31/03/2024 Trifu VND
Thuylt Trifu VND
(DS kiim toftn)
minh
STT Chitiriu 356.633.972
355.870.488
2.338.561 :
atAisAn 1.789.390
5 9.213.809
Tiin mft vflng bye di qty 11.378.128
I 6
II Tiin gui tyi NHNN 52.353.119
Tiin vfing gtii tyi cfic TCTD khic vfl cho 56.447.319
7
33.889.232
m vay cic TCTD khfic 41.430.265
Tiin vfing gtii tyi cfic TCTD khfic 18.463.887
l 15.017.054
Cho vay cfic ttt chtic tot dyng khfic •i
2 -
Dy phftng rti ro cho vay cfic TCTD khfic -
3 3.898
8
Chting khofin kinh doanh
IV
Cic cring cy tfli chinh phfii sinh vfl cic tii
9
Yv sin tfli chinh khic 202.586.102
198.127.997
Cho vay khfich hflng 205.262.092
VI 200.829.487
10 (2.675.990)
Chovaykhfichhflng (2.701.490)
l 11
Dy phftng rtii ro cho vay khfich hflng 92.062
2 805.010
12 92.757
Hoyt dfng mna ny 811.093
VH
Muany (6.083) (695)
1
Dy phftng rtii ro hoyt dfng mua ny 65.335.805
2 62.151.600
Chting khofin dttutu
13 65.391.552
vin 62.199.375
Chting khota dttu tu sta sfing dl bta 44.700
l 44.700
Chting khota dttu to gift dttn ngfiy dfio hyn (100.447)
2 (92.475)
Dy phftng rti ro chting khota dttu tu 1.058.905
3 998.703
Tii s&n eft djnh 729.429
K 685.595
14 1.785.660
Tfli sta ctt djnh htiu hinh 1.796.194
1
-Nguyen gia TSCD (1.056.231)
a (1.110.599)
329.476
• HaomdnTSCD 313.108
ft 15 886.455
Tfli sta ctt djnhvri hinh 895.216
2
-Nguyin gii TSCD (556.979)
a (582.108)
-HaomdnTSCD 23.655.609
ft 24.168.443
16 15.196.087
X Tii sin Cti khfic 16.107.004
Cflc khota phfli tou 3.867.722
3.554.458
I
2
Cfic khofin lfii phi phfii tou
-
j
Tfii sta tou! TNDN hota lyi 4.681.800
3 4.597.009
Tfii sta Cft khfic (90.000)
4 Cflc khota dy phftng rtii ro cho cflc tfli sta (90.028)
5 C6 nfi bfing khfic
 Mfiu sfi: B02a/TCTD-HN
Ngan hing Thuftng myi Co phttn Tiin Phong (Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngiy 31/12/2014
57 Lf Thudng Kift, Quqn Hoan Kifim, Hd Nfi cua Thfing Sic Ngdn hdng Nhd nude Vift Nam)

31/03/2024 31/12/2023
Thuylt Trifu VND
Trifu VND
minlt (Da kiim loan)
nun ii
STT Chitiriu
356.633.972
355.870.488
B NQ PHAl TRA VA V6N CHt SQ HtTU 338.420
340.781
Cfic khoin ny Chinh phti vfl Ngfn hflng Nhi nutic 17
338.420!
I 340.781
Tiin gtii vfl vay Chinh phti, NHNN
1 Giao djch bfin vfi mua lyi ttii phittu Chinh phti vdi
Lo . Kho bye NM nutic 83.965.697
92.480.852
Tiin gtii vfl vay cic ti chtic tin dyng khic 18
62.399.297
H 66.911.903
Tiin gtii ctia cfic ttt chtic tin dyng khfic 21.566.400
1 25.568.949
Vay cfic ttt chtic tot dyng khfic 208.261.560
2 190.827^58
19
Tiin gtii ctia khich hflng 66.150
m Cflc cring cy tfli chinh phfli sinh vfl cfic khoin ny tfli 268.349
9
IV /•Itfnlt
cniDa lrlt^i*
Knac 75.569
74.311
Vttn tfli toy tiy thic dttu tu cho vay TCTD chju rtii 20
V 24.216367
31.811364
21
Phfit hfinh gitty tft cti gifi 5.876.002
6.968.650
VI 22
Cfic khoin ny khic 4.978.734
VH 4.209.375
Cfic khota 19i, phi phfii tifi 1.989.916
1 1.666.627
Cfic khota phfii ttfl vfl cong ny khfic 32.742.917
2 34.190313
23
Vttn chti sti htia 22.016.350
vin 22.016.350
Vttn ctia ttt chtic tot dyng 22.016.350
l 22.016.350

a
Vttn diiu lf -
-
Thfng du vttn ctt phln -
b -
Ctt phiiu qty 3.052367
c 3.052.367

2 Quy ctia ttt chtic tot dyng 6.866 -

Chenh lfch ty gifi hoi dofii 9.114.476
7.674.200
3
Lyi nhufn chua phta phtti -
4 154
Lyi ich ctt dong khong kiim sofit
5
Ngfin hflng Thirong myi Ctt phttn Tiin PhongMfiu sfi: B02a/TCTD-HN
57 Lf Thudng Kift, Qufin Hodn Kifim, Hd Nfi (Ban hank theo Mng tusfi 49/2014/n-NHNNngdy 31/12/2014
cua Thong die Ngdn hdng Nhd nude Vift Nam)

CHI TI&U NGOAl BAO CAO TtNH HINH TAi CHfNH HQP NHAT
31/03/2024 31/12/2023
Thuyet
Trifu VND Trifu VND
STT minh
1.577.621
1.241.07p
1 BSo Utah vay vttn
1.552.6^0
1.925.355
Cam kttt mua vtii cfic ngoyi tf quy dtti 1.387.911
860.633
Cam kttt bta vtii cfic ngoyi tf quy dtti 68.370.480
100.706.188
Cam kttt giao djch hofin dtti 2.232.344
2.992.201
3Cam kttt trong nghifp vyLC 50.773.538
51.527.208
4BfiolSnhkhfic 19.943.134
16.917.717
5Cficcamktttkhfic 1.186.580
1.192.153
6LSi cho vay vfl phi phfii tou chua tou duyc 34.1
18.698.748 17.224.835
34.2
7Nykh6 dfti dS xti If 63.539.855
57.174. 876
34.3
8Tfli sta vi chting tti khfic

Hd Nfi, ngdy 25 thdng 04 ndm 2024

LAPBDfcU

g
ngOThinh Giam ddc Khdi Tai chinh
Kfi todn trudng
TP.Phong Bao cao tdi chinh
 NgSn hflng Thuung myi Ctt phttn Tiin PhongMfiu sfi: B03a/TCTD-HN
57 Lf Thudng Kift, Qufin Hoan Kiim, Hd Nfi (Ban hdnh theo Mng tu si 49/2014/TT-NHNN ngdy 31/12/2014
cua Thfing die NgSn hdng Nhd nude Vift Nam)

bAo cAo k^t quA hoat bQng hqp nhAt

Quf I ndm 2024 Lfiy k! tft dttu nim dttn cutti
Qtyl qtyniy
Thuyttt Nim nay Nim trutic
NSm nay Nfim trutic
STT Chi tilu minh Trifu VND Trifu VND
Trifu VND Trifu VND (Trbitbdylqi)
(Trinhbdylqi)
6.533.452 6.899.345
Thu nhfp ISi vfl cfic khota tou 6.533.452 6.899.345
24
1 nhfptuangty (3.978.389)
(3.978.389) (3.106.066)
Chi phi lai vfl cfic chi phf tuong 25 (3.106.066)
2 ty 3.427.386 2.920.956
3.427.386 2.920.956
Thu nhfp ISi thuttn 946.834 704.765
L 946.834 704.76S
Thu nhfp to hoyt dfng djch vy (231.708) (193.108)
3 (231.708) (193.108)
4 Chi phi hoyt dfng djch vy 511.657
511.657 715.126
Lfii/ ltt thuttn tti hoyt dfng 26 715.126
H.
djch vy 83.243 150.989
Lfii/ ltt thuttn tft hoyt dfng 83.243 150.989
m. kinh doanh ngoyi htti
27
Lfii/ ltt thuttn tft mua bfin 697 j
28 697
iv. chftng khofin kinh doanh
475.154 34.218
Lfii/ ltt thuttn tft mua bin 475.154 34.218
29
v. chftng khofin dttu tu 222.614 185.811
222.614 185.811
Thu nhfp to hoyt dfng khfic (239.053) (144.565)
5 (239.053) (144.565)
6 Chi phi hoyt dfng khfic 41.246
LSI/ltt thuttn tft hoyt dfng 41.246 (16.439)
30 (16.439)
VL khfic
Thn nhfp tft gfip vttn, mna ctt
VH.
phttn 31 (1.675.773) (1.579.089) (1.675.773) (1.579.089)

VHL Chi phf hoyt dfng

Lyi nhufn thuan tft hoyt dfng 3.009.394 2.079.977
3.009.394 2.079.977
kinh doanh trutic chi phi dy
DC
phftng rtii ro tfn dyng (314.976)
(314.976) (1.180.800)
Chi phi dy phftng rui ro toi (1.180.800)
X.
32
dyng 1.828.594 1.765.001
1.828.594 1.765.001
Tttng lyi nhufn trutic thu!
XL (365.797) (351.759)
Chi phf thu! thu nhfp doanh (365.797) (351.759)
XH.
nghifp tym tinh (351.759)
Chi phi tou! tou nhfp doanh (351.759) (365.797)
(365.797)
7 nghifp hifn hfinh I
. Thu nhfp tou! tou nhfp doanh !
nghifp hota lyi 1.462.797 1.413.242
1.462.797 1.413.242
XHL Lyi nhufn sau thu!
XIV. Lyi Ich ctia ctt dfng thiiu stt
1.462.7971.413.242
Lyi nhufn thuttn ctia ctt dfng 1.462.797 1.413.242
XV. m2024
ngfn hfing

NG
NGdTHjANHTUYfcT Giftm die Khoi Tea chinh
Ki toftn trudng
TP.Phdng Bfto cao tdi chinh
 Mfiu sfi: B04a/TCTD-HN
Ngfin hing Thuong myi Co phttn Tiin Phong
(Ban hdnh too thdng tu si 49/2014/TT-NHMngdy 31/12/2014'
57 Lf Thudng Kift, Qufin Hodn Kifim, Hd Nfi
cua Thfing die NgSn hdng Nhd nude Vift Nam)

BAO CAO LtfU CHUYEN TIEN Tf HQIP NHAT

Quf I ndm 2024
Thuyet Tft 01/01/2024 Tft 01/01/2023
minh dttn 31/03/2024 dttn 31/03/2023
STT CHlTlfcU
Trifu VND
Trifu VND (Trinh bdy lqi)

LUU CHUYfcN TtilN THUAN Ttf HOT DQNG KINH DOANH

6.837.096 6.777.404
1Thu nhfp lfii vfl cfic khota tou nhfp tuong ty nhfn duyc
(3.777.982) (2.861.659)
2Chi phi lfii vfl cfic khota chi phi tuong ty 6fi tri
715.126 511.657
3Thu nhfp tft hoyt dfng djchvy nhfn diryc
. Chrinh lfch stt tittn toyc tou/toyc chi tft hoyt dfng kinh 463.485 136.962
doanh (ngoyi tf, vfing bye, chting khota)
(104.459) (41417)
5 Thu nhfp khfic
, Tittn tou cfic khota ny dfi duyc xti l^xfia, bti dfip btag 87.921 45.663
nguttn rtii ro
(1.771.907) (1.693.916)
7Tittn chi trfi cho nhta vita vfi hoyt dfng quta ty, cfing vy
(712.723) (1.288.504)
8Tittn toutt tou nhfp thyc nfp trong ty
Luu chuyttn tittn thuttn tti hoyt dfng Idnh doanh 1.736.557 1.623.190
trutic nhftng thay dtti v! tfli sin vfl vttn luu dfng

(Tang)/ Gifim cfic khota tittn, vtag gtii vfl cho vay cfic ttt 3.436.834 (1.028.684)
9 chtic tin dyng khfic
3.188.272 (5.294.724)
(Ttag)/ Gifim cfic khota vk kinh doanh chting khota
10
(Tang)/ Gifim cfic cring cy tfii chinh phfii sinh vfl cfic tfii (79.050)
11 sta tfii chinh khfic (10.805.737)
3.714.269
(Tfing)/ Gifim cfic khota cho vay khfich Mng
12
Gifim nguttn dy phftng dtt xti ly toi ro, xti ly, bti dfip tttn (1.149.912) (53.583)
13 thttt cfic khota cho vay khfich Mng
(595.501) (2.413.372)
(Tfing)/ Gifim khfic vtt tfii sta hoyt dfng
14
Nhftng thay dii vi cfng nff hoqt dfng
Ttag/(Giim) cfic khota ny chinh phti vflNgta Mng NM 2.361 (20.372)
15 nutic
Ttag/(Gifim) cfie khota tittn gtii, tittn vay cfic ttt chftc tot 8.337.179 12.890.213
16 !
dyng
(17.434.203) 6.038.153
17 Tfing/ (Gifim) tittn gtii ctia khfich Mng
I
Ttag/ (Gifim) pMt hfinh giiy tri cft gifi (ngoyi tto gitty tri 7.600.097 (917.745)
18 cft gifi phfit Mnh duyc toto vfio hoyt dfng tfii chinh)
Ttag/ (Gifim) vttn tfii try, tiy tofic dttu tu, cho vay mfi ttt 1.258 jll.449)
19 chtic tin dyng chju toi ro
Ttag/ (Gifim) cfic cring cy tfii chinh phfii sinh vi cfic 202.199
20 khota ny tfii chinh khfic
198.980 (520.907)
21
Chi to cfic qujt ctia ttt chtic tin dyng
22 9.238.390 (594.067)
Luu chuyln tiin thuttn tft hoyt dfng kinh doanh
L
 Mfiu si: B04a/TCTD-HN
Ngfin hing Thirong myi Ctt phttn Tiin Phong
(Ban hdnh too Mng tu si 49/2014/TT-NHNN ngdy 31/12/2014)
57 Lf Thudng Kift, Quqn Hoan Kiem, Ha Nfi
ciia Thfing die Ngdn hdng Nhd nude Vift Nam);

Thuyet Tft 01/01/2024 Tft 01/01/2023

STT CHITrfHJ din 31/03/2024 dttn 31/03/2023
minh
Trifu VND Trifu VND

LlTU CHUYto Tito THUAN Tf HOT DQNG DAu Tf

(71.651) (109.495)
1Mua sfim tfii sta ctt djnh
2Tien thu tti thanh ly, nhuyng bfin tfii sfin co djnh
3Tiin chi to thanh ty, nhuyng bta tfii sta ctt djnh (3)
4Mua sttm bttt dfng sta dttutu
5Tien thu to bfin, thanh ^^ bttt dfng sfin dau tu
6Tiin chi ra do bfin, thanh ty bttt dfng sta dttu to
Tiin chi dttu tu, gdp vttn vfio cic don vj khfic (Chi dttu
7to mua cring ty con, grip vttn lirin doanh, lirin kttt vfi cfic (22.420)
khota dttutu dfii hyn khfic)
Tittn tou dttu to, gftp vttn vfio cfic don vj khfic (Thu bfin,
8thanh ty cftng ty con, grip vttn lirin doanh, lirin kttt, cfic
khota dau to dfii hyn khfic)
. Tittn tou ctt ttic vfi lyi nhufn duyc chia tti cfic khota dttu

to, gdp vttn dfii hyn

(94.074) (109.495)
H. Luu chuyen tien touttn tti hoyt dfng dttutu

LfU CHUYto Tl^^N THUAN Tf HO^T DQNG TAi CHlNH

1Ttag vttn ctt phttn to g6p vttn vfi/hofc phfii Mnh ctt phittu
Tittn tou tti phfit hfinh gitty tri cri gii dfii hyn cri dii dittu
2kifn tinh vfio von to cri vfi cfic khofin vttn vay dfii hyn

khfic
, Tittn chi thanh tota gitty tried gifi dfii hyn cft dti dittu kifn (5.000) (426.300)
tinh vfio vttn ty cri va cfic khota vttn vay dfii hyn khfic
4Ctt tftc trfi cho ctt dring, lyi nhufn dfi chia
5Tittn chi ra mua co phittu ngta qujt
6Tittn tou dupe do bfin ctt phittu ngta quy
(5.000) (426300)
HL Luu chuyttn tien touttn tti hoyt dfng tii chinh
9.139316 (1.129.862)
IV.Luu chuyttn tiin touttn teong ty
45.441.602 52301.571
V.Tiin vfi cfic khoin terong duong tiin dttu ty
6.866 10.070
VL Diiu chinh inh huting ctia thay dtti ty gifi
54.587.784 51.181.779
VU. Tiin vfi cfic khoin tuong duong tiin cutti ty33

Hd Nfi, ngdy 25 thftng 04 nftm 2024

Kl

ng&thjAnhtuyt L
TP.Phong Bao cfto tdi chinh Kf
 Ngfin hing Thirong myi Co phttn Tifin PhongMfiu sfi: BOSafTCTD-HN
57 Lf Thudng Kift, Quqn Hodn Kifim, Hd Nfi(Banhdnhtheoth6ngtusi49/2014/rr-NHNNngdy
31/12/2014 da Thfing die Ngdn hdng Nhd nude Vift Nam)

THUY^T MESH BAO CAO TAi CHINH HQIP NHAT

Tqi 31 thing 03 ndm 2024
1. Dfc dittm hoyt dfng ctia ttt chftc tfn dyng
Ngta Mng Thuong myi Co phttn Tiin Phong (sau dfiy gyi tfit lfi "Ngta hfing") lfi ngta htag touong myi ctt
phttn duyc thfinh lfp tyi nude Cfng hfta Xfi hfi Chu nghia Vift Nam vfio ngfiy 5 thfing 5 nfim 2008 toeo Gitty
phrip thfinh lfp stt 123/GP-NHNN ctia Thttng dttc Ngta Mng Nhi Nude Vift Nam ("NHNN"); Gitty phrip thfinh
lfp cua Ngta Mng dupe dittu chinh, stia dtti vfi btt sung toeo Quyttt djnh stt 1868/QD-NHNN ngfiy 03 thting 10
n9m 2023 cua Thttng dttc NHNN. Thdi hyn hoyt dfng ctia Ngta Mng lfi 99 nfim ktt to ngfiy cttp Gitty phrip thfinh
lfp stt 123/GP-NHNN. Gitty chting nhfn dfing ty kinh doanh ctia Ngta Mng duyc dfing ty ittn dttu ngfiy 12 thfing

5 Mm 2008 vi dfing ty toay dtti ittn toti 30 vfio ngfiy 25 thfing 08 nfim 2023.
Hoyt dfng chinh cua Ngta htag lfi tope hifn cfic giao djch ngta Mng bao gttm huy dfng vfi nhfn tittn gtii
ngta hyn, trung hyn vfi dfii hyn tti cfic ttt chtic vfi cfi nhta; cho vay ngta hyn, trung hyn vfi dfii hyn dtti vdi cfic ttt

chtic vfi cfi nhta trrin co sd tinh chttt vfi khfi nfing nguttn vttn ctia Ngta htag; tope hirin cfic giao dich ngoyi tf;
dttu tu trfii phittu; cung cttp cfic djch vy tfii tiy touong myi quttc ttt; toyc hifn chittt khttu touong phittu, trfii phittu
vfi cfic gitty tri cd gifi khfic, kinh doanh vfing vfi cfic djch vy ngta htag khfic duyc NHNN cap phrip.

Vttn dieu lf:

Stt vttn dittu lf ctia Ngta hfing tyi ngfiy 31 thing 03 nfim 2024 lfi 22.016.350 trifu dttng (tyi ngfiy 31 thfing 12

nfim 2023 lfi 22.016.350 trifu dttng).

Try sti chinh vfi myng lutii hoyt dfng:

Ngta hfing cd try sti chinh tyi Tria nM TPBank, 57 phtt Lf Thuring Kift, qufn Hota Kittm, Hfi Nfi, Vift

Nam.
Tttng stt chi nhfinh: Tyi ngfiy 31 thing 03 Mm 2024, Ngta Mng cd mft (01) Hfi sd chinh, mft (01) Vta
phftng dyi difn tyi TP Htt Chi Minh, Mm muoi tfim (58) chi nhfinh vfi My muoi tu (74) phftng giao djch tyi cfic
tinh vfi thfinh phtt trfn cfi nude dfi duyc Ngta Mng NM nude cttp phrip.

Cring ty con:
Tyi ngfiy 31 tofing 03 Mm 2024, Ngta htag cd mft (01) cring ty con nhu sau:

to hoyt dftt^

Cring ty Co Gitty phrip tofinh lfp Lfp vfi quta ty quy dttutu chting 100 ty dttng
J 99,9%
phttn Qufin ty vfi hoyt dfng stt khofin, quta ty danh myc dttu tu Vift Nam
qtyViftCfit 28/UBCK-GP ngfiy chting khofin, tu vttn dttutu chting
25/1/2008 do UBCK khota vfi thyc hifn cfic hoyt dfng
nM nude cttpkinh doanh cd lirin quan khfic phti

hyp vdi quy djnh ctia phfip lufl

Ngta hfing vfi Cring ty con sau dfiy gyi tfit 14 "TPBank".

Nhfin virin:
Tyi ngfiy 31 thfing 12 Mm 2023, TPBank cd 7.477 cta bf cringnhtavirin(Tyi31/12/2023, TPBank cd 7.939

cta bf cring nhta virin).j

 Ngfin hflng Thirong myi Ctt phttn Tiin Phong Mfiu sfi: B05a/TCTD-HN
57 Lf Thudng Oft, Qufin Hodn Kifim, Hd Nfi (Ban hdnh too Mng tusi 49/2014/TT-NHNN ngdy
ift Nam)

2.Kf ktt tofin, don vj tiin tf sti dyng trong ktt tofin
-Kf ke todn nftm-.Kf ktt tofinntai bttt dttu ttingfly 01 thfing 01 vflktttthtic vflo ngfly 31 thing 12,
-Don vj tifn tf su dqng trong ke todn cua TPBank: Dttng Vift Nam (VND). Cho myc trinh bfly bfio cfio tfli
chinh My, cfic stt lifu duyc lfim tiftn dttn Mng trifu vfi trinh My toeo don vj trifu dttng Vift Nam.

3.Chuttn myc vl Hf thttng ktt tofin fip dyng

3.1.Tuyfn bfi tudn thft
Ban Tttng Gifim dttc TPBank khttng dinh bfio cfio tfii chinh duyc lfp phti hyp vdi cfic Chuttn myc ktt tota Vift
Nam, Hf tottng ktt tota cfic ttt chtic tin dyng Vift Nam, tuta ftti cfic quy ditto ctia Ngta Mng NM nude Vifts
Nam vfl cfic quy djnh phfip ty cd lirin quan dttn vifc lfp vfl trinh My bfio cfio tfli chinh.

3.2.Or sdlfp bdo cdo tdi chinh

Bfio cfio tfii chinh ctia TPBank duyc lfp phti hyp vdi Hf tottng ktt tofin cfic ttt chtic tin dyng Vift Nam thec
Quyttt djnh stt 479/2004/QD-NHNN ngfiy 29 thfing 4 Mm 2004, Thring tu stt 10/2014/IT-NHNN ngfiy 20 thfing
3 Mm 2014 vfi Thring tu stt 22/2017/TT-NHNN ngfiy 29 thfing 12 Mm 2017 btt sung, stia dtti Quyttt dinh stt
479/2004/QD-NHNN; Quyttt dinh stt 16/2007/QD-NHNN ngfiy 18 ftfing 4 Mm 2007, Thring tu stt 49/2014/TTJ
NHNN stia dtti, btt sung mft stt diiu khota ctia Chtt df bfio cfio tfii chinh dtti vdi cfic ttt chtic tin dyng ban hfinh
krim toeo Quyttt djnh stt 16/2007/QD-NHNN vfi Hf tottng tfii khota ktt tota cfic ttt chftc tin dyng ban hfinh krim
toeo Quyttt djnh stt 479/2004/QD-NHNN ctia Thttng dttc Ngta Mng NM nude Vift Nam vfi Hf tottng Chuttn
myc ktt tofin Vift Nam do Bf Tfii chinh bta Mnh bao gttm:j
-Quyttt djnh stt 149/2001/QD-BTC ngfiy 31 thing 12 Mm 2001 vk vifc ban Mnh bttn Chuttn myc ktt tofin
Vift Nam (Dyt 1);|
-Quyttt djnh stt 165/2002/QD-BTC ngfiy 31 thfing 12 Mm 2002 v! vifc ban Mnh sfiu Chuttn myc ktt tota
Vift Nam (Dyt 2);j
-Quyttt ditto stt 234/2003/QD-BTC ngfiy 30 thing 12 Mm 2003 vk vifc ban hfinh sfiu Chuttn myc ktt tota
Vift Nam (Dyt 3);j
-Quytttdjnhsttl2/2005/QD-BTCng4yl5totag2Mm2005vttvifcbanMnhstaChuttnmycktttotaVift

Nam(Dyt4);vfi
-Quyttt djnh stt 100/2005/QD-BTC ngfiy 28 ftfing 12 Mm 2005 vk vifc ban hfinh bttn Chuttn myc ktt tofo
Vift Nam (Dyt 5).|
Bta cta tfii chinh duyc lfp tirin co sd tuta thu cfic nguyen tfic vfi thong lf ktt tota duyc chttp nhfn tyi Vift
Nam. Do dd, bta cta tfii chinh My cQng nhu vifc sti dyng bta cta nfiy khfng dfinh cho nhting ai khfng thong

hittu cfic thong lf, toti tyc vfi nguyrin tttc ktt tota Vift Nam vfi hon ntta, bfio cta My khring chti djnh trinh My tinh
hinh tfii chinh, kttt qM hoyt dfng vi tinh hinh luu chuyttn tiin tf ctia TPBank toeo nhting nguyrin tttc vfi Hiring lf

ktt tota duyc chttp nhfn rfng rfii ti cfic quttc gia vfi to! chtt bfn ngofii Vift Nam.
3.3.Cdc ca sdtonh gift vd cdc udc tinh ki todn dp dqng
Vifc trinh My bta cta tfii chinh duyc thyc hifn cfic udc tinh vfi gii djnh finh hudng dttn stt lifu bta cta ctia
tii sfin, ny phfii tifi cting nhu vifc trinh My cfic cring ny tilm ttn. Cfic udc tinh vfi gifi djnh My cting finh hudng
dttn tou nhfp, chi phi vfi kttt qufi stt lif u dy phftng. Cfic udc tinh My duyc dya trrin cfic gifi djnh v! mft stt yttu ttt
vdi cfic mtic df khfic nhau v! chti quan vfi tinh khring chttc chttn. Do vfy, cfic kttt qM toyc ttt cd tott khfic vdi cfic

udc tinh din dttn vifc diiu chinh cfic khota myc cd lirin quan sau My.
 Ngin hflng Thirong myi Co phttn Tirin PhongMfiu si: BOSa/TCTD-HN
57 Lf Thudng Kift, Quqn Hoan Kifim, Hd Nfi(Ban hdnh Mo Mng tu sfi 49/2014/TT-NHNNngdy i
31/12/2014 cua Thfing dfio Ngdn hdng Nhd nude Vift Nam)

3.4. Or sd hffp nhit

Bfio cfio tfii chinh hyp nhttt bao gttm cfic bta cta tfii chinh ctia Ngta hfing my vfi cfic cdng ty con. Cfic cring
ty con duyc hyp nhttt tota bf htt tti ngfiy mua, lfi ngfiy Ngta Mng Mm quyin kittm sofit cring ty con, vfi tittp tyc
duyc hyp nhttt cho dttn ngfiy Ngta Mng my toyc sy chttm dirt quyin kiim sofit dtti vdi cdng ty con. Trong tiuftng
hyp Ngta Mng thofii vttn dttu tu vfio cring ty con din dttn mttt quyin kiim sofit, Ngfin Mng chi hyp nhttt kttt qM
kinh doanh tti dttu Mm dttn todi dittm thofii vttn mfi khring hyp nhttt tota bf tfii sta touttn ctia cring ty con. Ngofii
ra, tirin bta cta luu chuyttn tiin tf hyp nhttt, Ngta Mng diiu chinh finh hudng gifin tittp ctia cfic giao djch bta
cring ty con dttn cfic luttng tiin trong bfio cfio luu chuyln tiin tf hyp nhat.
Bta cfio tfii chinh ctia Ngta Mng my vfi cfic cfng ty con sti dyng dtt hyp nhttt duyc lfp cho cting mft lty ktt
tota vfi duyc fip dyng cfic chinh sfich ktt tota mft cfich tottng nhttt.i
Stt du cfic tfii khota trrin bfio cta tinh Mnh tfii chhto gifta cfic cring ty con vfi Ngta Mng, cfic khota tou nhta
vfi chi phi, cfic khota lfii hofc 15 nfi bf chua thyc Mfn phit sinh tti cfic giao djch My duyc loyi tto hota tota. j
Lyi ich ctia ctt dring khring kittm sofit lfi phln lyi ich trong lfii, hofc lo, vfi ttong tfii sta touttn ctia cring ty con
khring duyc nfim gift bdi Ngta Mng vfi duyc trinh bfly rieng bift tirin bta cta kttt qufi hoyt dfng hyp nhttt vfi
ttong vttn chti sd hftu trrin bta cta tinh Mnh tfii chinh hyp nhttt.j

4. Tdm tttt Me chfnh sich ktt tofin chti yttu,

Sau dfiy lfi nhftng cMnh sfich ktt tota chti yttu duyc TPBank ip dyng bong vifc lfp cfic bta cta tfii chinh hyp

nhttt:
4.1.Cdc thay doi trong chinh sich ki todn vd thuyit minh;
Cta chinh sfich ktt tota TPBank sft dyng dtt lfp Mo cta tfii chinh Quy I duyc fip dyng nhttt quta vdi vdi cta
chinh sflch dfi duyc sti dyng dtt lfp bta cta tfii chinh cho nfim tfii chinh kttt Otic ngfiy 31 thing 12 Mm 2023 vfi
cho giai doyn tfii chinh Quy I kttt Otic ngfiy 31 thing 03 nfim 2023.
4.2.Tifin vd cdc khodn tuffng duong tifin
Tittn vfi cta khota tuong duong tittn bao gom tittn mft tyi qtty, vfing, tien gtii tyi Ngta Mng NM nude Vift

Nam, cta khota tittn gtii thanh tota vfi tittn gtii tyi cta ttt chtic tin dyng khta cd tofti gian dta hyn khring qufi ba
thing ktt tti ngfiy gtii, chting khota cd todi gian tou htti hofc dfio hyn khring qufi M thfing ktt tti ngfiy mua, cft kM
Mng chuyttn dtti dtt dtag thfinh mft luyng tittn xta dinh vfi khflng cd toi ro ttong vifc chuyttn dtti thfinh tittn tyi

todi dittm bta eta.

4.3.Tiin gfti vd cho vay cdc TCTD khdc
Cta khota tittn gtii vfi cho vay cta ttt chtic tin dung (TCTD) khfc duyc cflng btt vfi trinh bfiy toeo stt du ny

gttc tto di dy phftng toi ro tin dyng cy thtt (nttu cd) tyi todi dittm kttt Otic lty bta cta.
Vifc phfa loyi rti ro tin dyng <ttti vdi cta khota tittn gtii vfi cho vay cta TCTD khta vfi trich lfp dy phftng
tuong ting duyc toyc Mfn toeo quy djnh tyi Thring tu 11/2021/TT-NHNN ban hfinh ngfiy 30 thfing 7 Mm 2021
quy djnh vk vifc phta loyi cta tfii sta cd, mtic trich, phuong phfip trich lfp dy phftng toi ro vfi vifc sti dyng dy
phftng dtt xft ty rtii ro ttong hoyt dfng ctia cta TCTD vfi cM nhtah ngta Mng nude ngofii ("Thring toll"). Theo

dd, TPBank trich lfp dy phftng cy thtt cho cta khota tittn gtii (tto tittn gtii thanh tota tyi ttt chtic tin dyng bong
nude vfi cM nhfinh ngta hfing nude ngofii trrin Mnh tott Vift Nam) vfi cho vay cta TCTD khta theo phuong phfip
nfxttl^ Thuyit minh 4.6..j
Theo Thring toll, TPBank khring cln phfii trich lfp dy phftng chung dtti vdi cta khota tittn gtii vfi cho vay

cta ttt chtic tin dyng khta.

10
 Ngin hing Thirong myi Co phln Tiin PhongMfiu sfi: BOSa/TCTD-HN
57 Lf ThudngKift, Qufn Hodn Kifim, Hd Nfi(BanhdrittooMngtusi49/2014/n-NHNNngdy
31/12/2014 da Thfing die Ngdn hdng Nhd nude Vift Nam)

4.4. Chftng khodn kinh doanh

4.4.1.Phdn loqi vd ghi nhfn
Chting khota kinh doanh bao gttm chting khota ny vfi chting khofin vttn duyc mua vdi myc dich kinh
doanh. Chting khofin kinh doanh duyc ghi nhfn ban diu toeo gifi gttc.
4.4.2.Do ludng'

Chting khota ny kinh doanh niem yet duyc ghi nhfn toeo gifi gttc tto di dy phftng toi ro vfi dy phftng

Dy phftng gifim gifi chftng khofin duyc lfp dya trrin quy dinh tyi Thring to so 48/2019/TTNHNN ngfiy 8
tiling 8 nfim 2019 ("Thong ta 48") vfi Thong to stt 24/2022/TT-BTC ngfiy 7 thfing 4 Mm 2022 ("Thring ta

24").
Dy phftng chung khofin kinh doanh duyc dl cfp ti tifn sri duyc hofin nhfp khi vifc ting Irin sau dd ctia
gifi trj cd toe tou htti ctia chting khofin kinh doanh lfi do sy kifn khflch quan xfiy ra sau khi khofin dy phftng
duyc ghi nhfn. Khofin dy phftng chi duyc hofin nhfp dttn muc ttti da bfing gifi trj ghi stt ctia cta chting

nfiy khi chua lfp dy phftng.

Lfii hofc IS to vifc bfin chting khofin kinh doanh duyc ghi nhfn trfn bfio cio kttt qM hoyt dfng hyp nhit

4.4.3 Dftng ghi nhfn

Chting khofin kinh doanh duyc dting ghi nhfn khi cta quyen lyi nhfn cta luttng tittn tti cta chting khofin
My dfi chim dtit hofc TPBank dfi chuyttn phan Idn rtii ro vfi lyi ich ctia vifc sti htiu cta chting khofin My.
4.5.Cdc khoin cho vay vd ftng truftc khich hing vd cdc khoftn nff mua|
Cta khota cho vay vfi ting trudc khflch Mng duyc cong btt vfi trinh My toeo stt du ny gttc tyi todi dittm kttt
touc ky ktt tota tto didy phftng rti ro cho vay khfich Mng.I
Cta khota ny mua duyc trinh My toeo gifi gttc duyc xfic djnh bfing gifi mua ctia khota ny tto di dy phftng toi
ro hoyt dfng mua ny.I
Cta khota cho vay ngin hyn lfi cta khota cd tofti hyn cho vay dttn dudi 1 Mm tinh to ngfiy gifii ngta. Cta
khota cho vay trung hyn cd tofti hyn cho vay tifn 1 Mm dttn 5 Mm tinh to ngfiy gifii ngta. Cta khota cho vay
dfii hyn cd tofti hyn cho vay trfn 5 nfim tinh to ngfiy gifii ngta.I
Vifc phta loyi ny vfi lfp dy phftng rtii ro tin dyng duyc toyc Mfn theo Thring to 11 nhu trinh bfly trong Thuyfit

minh 4.6.

4.6.Phdn loqi nff vd Dqphdng rdi ro tin dqng

Vifc phta loyi ny dtti vdi cta khota tittn gfti vfi dp tin dyng cho cta t& chftc tfii chinh, cta TCTD khfic, mua

yttt, cho vay khfich Mng, tiy thfic dp tin dyng, mua lty phittu, tin phittu, chting cM tittn gtii do ttt chtic tin dyng,
cM nhfinh ngta Mng nude ngofii khta phfit Mnh vfi cta khota phfii tou chju rtii ro tin dyng khta (gyi chung lfi
"cta khota ny") duyc toyc Mfn toeo phuong phfip djnh luyng duyc quy djnh tyi Dittu 10 ctia Thring to 11.

Ngta Mng toyc Mfn trich dy phftng cy fak hfing thflng. Dy phftng cy fd tyi ngfiy 31 toflng 3 duyc xta djnh
bfing du ny sau kM tto di gifi ttj tfii sta dim Mo (M duyc khiu tto nhta vdi ty lf dy phftng toeo phta loyi nhdm
ny tyi ngfiy 31 thing 3. Co sd xta djnh gifi tij vi gii tij khiu tto ctia tting loyi tfii sta dim Mo duyc quy djnh

bong Thong tu 11, Ty lf dy phftng cy fttk dtti vdi tting nhdm ny cy (bfi nhu sau:
 Mfiu sfi: B05a/TCTD-HN
Ngin hing Thuong myi Ctt phln Tifin Phong
57Lf ThudngKift, Qufn Hoan Kifim, Hd Nfi (Ban hdnh theo Mng tu sfi 49/2014/TT-NHNN ngdy!
31/12/2014 ciia Thfing dfic NgSn hdng Nhd nude Vift Nam) i

Ttylf
Nhfim ny
Diin gill dy phftng
(a) Ny trong hyn vfi duyc dfinh gifi lfi cfi khfi nfing tou htti dly dti cfi ny gttc

vfi lfii dting hyn; hofc

Nydti (b) Ny qufi hyn dudi 10 ngfiy vfi duyc dfinh gifi lfi cd kM nfing tou htti dly 0%
1 tieu chuln i
dti ny gttc vfi Mi bj qufi hyn vfi tou htti day dti ny gttc vfi lfii cdn lyi dting i
todi hyn.
Nycln (a) Ny quti hyn tti 10 ngfiy dttn 90 ngfiy; hofc
5% j
2 (b) Ny dittu cMnh lty hyn ttfiny lln diu.
chti^
(a) Ny qufi hyn O 91 ngfiy dttn 180 ngfiy; hofc
(b) Ny gia hyn ny lln diu; hofc
(c) Ny duyc mien hofc giflm lai do khfich htag khong du kM Mng trfi Mi
dly dti toeo hyp dttng tin dyng; hofc
(d) Ny thuflc mft trong cta trudng hyp sau dfiy chua thu htti duyc ttong tofti
gian dudi 30 ngfiy ktt tti ngiy cd quyttt djnh tou htti:
• Khotanyviphymquy dinh tyi cta khofin 1,3,4,5,6Dittu 126 Lufit

cta ttt chtic tin dyng; hofc

• Khota ny vi phym quy djnh tyi cta khota 1,2,3,4 Dittu 127 Luft
Nydudi 20%
3 tifu chuln cta ttt chtic tin dyng; hofc
• Khota nyvi phym quy ditto tyi cfc khota 1,2,5 Dittu 128 Luft cta

ttt chtic tin dyng.

(e) Ny trong tofti hyn tou htti toeo kttt lufin thanh tra.
(f) Ny phfii tou htti toeo quyttt dinh thu htti ny trudc hyn ctia Ngta Mng do
khfich htag vi phym toda toufn vdi Ngta Mng chua tou htti duyc trong
tofti gian dufti 30 ngfiy ktt tti ngfiy cd quyttt djnh tou htti; hofc
(g) KM cd yfu ciu ctia NHNN dya tifn kttt quf thanh tra, gifim sfit vfi toring
tin tin dyng cd tifn quan.
(a) Ny qufi hyn tti 181 ngfiy dttn 360 ngfiy; hofc
(b) Ny co ciu lyi todi hyn trfi ny lln diu qufi hyn dttn 90 ngfiy toeo tofti hyn
tifi ny duyc co ciu lyi lln diu; hofc
(c) Ny co ciu lyi tofti hyn tifi ny lln thti hai; hofc
(d) Khota ny quy djnh tyi Dittm (d) ctia ny Nh6m 3 chua tou htti duyc trong
tofti gian tti 30 ngfiy dttn 60 ngfiy ktt tft ngfiy c6 quyttt ditto tou htti; hofc
Ny (e) Ny phfi tou htti toeo kttt lufn thanh tta nhung qM tofti hyn tou htti toeo 50%
4
ngMngftt kttt lufn thanh tra dttn 60 ngfiy mfi vln chua tou htti duyc.
(f) Ny phfii tou htti toeo quyttt djnh tou htti ny trade hyn ctia Ngta Mng do
khtah Mng vi phym toda toufn vdi Ngta Mng chua tou htti duyc trong
todi gian tti 30 ngfiy dttn 60 ngfiy ktt tti ngfiy c6 quyttt djnh tou htti; hofc
(g) Khi c6 yriu ciu ctia NHNN dya tifn kttt qufi toanh tra, gifim sfit vfi O6ng

tin tin dung cri lirin quan. i

12
 Mfiu sfi: BOSa/TCTD-HN
Ngin hfing Thtrang myi Co phln Tien Phong
(Ban hdnh theo Mng tu sfi 49/2014/TT-NHNN ngdy
57 Lf Thudng Kift, Quqn Hodn Kifim, Hd Nfi
31/12/2014 cua Thfing tfic NgSn hdng Nhd nude Vift Nam)

Ttylf
Dien gifii dy phftng
Nhdm ay
(a) Ny qufi hyn trrin 360 ngfiy; hofc
(b) Ny co ciu lyi todi hyn tif ny lln diu qufi hyn tti 91 ngfly trd Irin theo j
i
tofti hyn tifi ny duyc co du lyi lln diu; hofc
(c) Ny co du lyi tofti hyn ttfiny lln toft hai vfi qufi hyn theo tofti hyn
trfi ny duyc co du lyi lln thft hai; hofc
(d) Ny co du lyi tofti hyn ttfi ny lln thti ba trd lrin, ktt ci chua bj qufi

hyn hofc dfi qufi hyn; hofc

(e) Khota ny quy dinh tyi Dittm (d) ctia ny Nhdm 3 chua tou htti duyc
trong todi gian tifn 60 ngiy ktt to ngiy cd quyttt djnh tou htti; hota
NycftkM (f) Ny phfii tou htti toeo kttt lufn thanh tra nhung qufi tofti hyn tou htti 100%
Mng mit
5 toeo kttt lufn tiianh tra tifn 60 ngfiy mfi vin chua tou htti duyc; hota
vttn
(g) Khota ny phfii tou htti toeo quyttt djnh tou htti ny trade hyn ctia
Ngta Mng do khfich Mng vi phym thfta toufn vdi Ngta Mng chua
tou htti duyc trfn 60 ngfiy ktt tti ngfiy cfi quyttt djnh tou htti; hofc
(h) Ny ctia khtah Mng 14 ttt chtic tin dyng duyc NHNN cftng btt dft
vfio tinh tryng kittm sofit dfc bift, hofc cM nhfinh ngta Mng nude

ngofii bj phong tda vttn vfi tfii sfin.

(i) KM cd yfu du ctia NHNN dya trfn kttt qufi thanh tea, gifim sfit vi

thftng tin tin dyng cd lifn quan.

Dtti vdi cta khota ttfi tMy cam kttt ngoyi btag, Ngta Mng phta loyi ny dya trfn stt ngiy qufi hyn Huh tti ngfiy

Ngta Mng toyc Mfn nghia vy toeo cam kttt:

?Nhdm 3 - Ny dudi tifu chuln: nttu qufi hyn dudi 30 ngfiy;
v Nhdm 4 - Ny nghi ngd: nttu qufi hyn tti 30 ngfiy dttn dudi 90 ngfiy;
^Nhdm 5 - Ny cd kM Mng mit vttn: nttu qufi hyn 90 ngfiy ted lfn.
Truftng hyp mft khtah Mng cd ttoittu hon mft khota ny vdi Ngta Mng mi cd bit lty khota ny nfio bj chuyttn
sang nhdm ny rtii ro cao hon 01 Ngta hfing phta loyi cta khota ny cftn lyi ctia khtah hfing dd vfio nhdm ny toi

ro cao hon tuong ting vdi mtic df rti ro.

Truftng hyp ny ctia khtah Mng duyc phta loyi vfio nhdm ny cd mtic df rtii ro thlp hon nhdm ny toeo danh
sfch do CIC cung dp, Ngta Mng phfii dittu chinh kttt qM phta loyi ny toeo nhdm ny duyc CIC cung dp.

KM Ngta Mng tham gia cho vay hyp vttn khring phfii vdi vai trft 14 ngta Mng diu mtti, Ngta Mng toyc Mfn
phta loyi cta khota ny (bao gttm cfi khofin vay hyp vttn) ctia khtah Mng dd vta nhdm rtii ro cao hon gitta dfinh

Phdn loqi nff cho cdc khodn nff duffc ca cfiu tqi thdi hqn trd nff cho cdc khodn vay trong ttnh vqc ndng

nghifp, ndng thdn\

Dtti vdi cta khota cho vay ttong linh vyc nring ngMfp, nring ftrin, Ngta Mng duyc phrip toyc Mfn co du

ny vfi gitt nguyrin nhdm ny mft lln toeo quy ditto tyi Thring tu stt 10/2015/TT-NHNN ngfiy 22 thfing 7 Mm 2015

hudng din toyc Mfn mft stt nfi dung ctiaNghj ditto stt 55/2015/ND-CP ngfiy 9 thfing 6 Mm 2015 cfia Chinh

phti vl chinh sfich tin dyng phyc vy phfit triln nring ngMfp, nring torin.

13
 Ngan hfing Thirong myi Co phan Tien PhongMfiu sfi: B95a/TCTD-HN
57 Lf Thudng Kift, Qufn Hoan Kifim, Hd Nfi(Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy
31/12/2014 da Thfing die NgSn hdng Nhd nude Vift Nam)

Phdn loqi nff cho cdc khodn nff duffc ca cfiu lqi thdi hqn tri nff, mifin, giim ldi, phi nhdm hfi trff khich \
hdng chju dnh hudng do djch Covid -19I

Tti ngfiy 13 thtag 3 Mm 2020, Ngta Mng dfi fip dyng Thring tu 01/2020AT-NHNN ("Thring tu 01") do
NHNN ban hfinh quy djnh v! vifc TCTD, cM nhfinh ngta Mng nude ngofii co du lyi tofti hyn tifi ny, miln, gifim
lli, pM, giti nguyfn nhdm ny nhlm htt tiy khtah Mng chju finh hudng do djch COVID-19. Theo dd, dtti vdi eta

khtah hfing cd cta khota ny phfit sinh nghia vy trfi ny gttc vfi/hofc lai trong khofing tofti gian tti ngfiy 23 thfing 1

Mm 2020 dttn ngfiy littn ktt sau 3 thing ktt tti ngfiy Thu tuftng Chinh phti cring btt httt djch COVID-19, vfi cta
khtah Mng My khring cd kM Mng tifi ny dting hyn ny gttc vfi/hofc lai toeo hyp dttng, thfta toufn cho vay da lty
do doanh tou, tou nhfp syt gifim bdi finh hudng ctia dich COVID-19,01 Ngta Mng duyc phrip cy du lyi todi
gian tifi ny cho cta khota ny My vfi vln giti nguyrin nhdm ny nhu da duyc phta loyi tyi tofti dittm gin nhit trade

ngfiy 23 thfing 1 Mm 2020.I

Tft ngfiy 17 fttag 5 Mm 2021, Ngta Mng fip dung Thring tu 03/2021/TT-NHNN ngfiy 2 thtag 4 Mm 2021
("Thring tu 03") do NHNN ban hfinh stia dtti, btt sung mttt stt dittu ctia Thring tu 01. Theo dd, dtti vdi khtah Mng
cd cta khota ny phfit sinh trade ngfiy 10 thfing 6 Mm 2020 vfi phfit sinh nghia vy trfi ny gttc vfi/hofc lai ttong

thdi gian tti ngfly 23 thfing 1 Mm 2020 dttn ngfiy 31 thfing 12 Mm 2021, vfi cta khtah Mng My khring cd kM
ntag trfi ny dting hyn ny gttc vfi/hofc lai toeo hyp dttng, toda thufn cho vay da lty do doanh tou, tou nhfp syt
gifm bdi finh hudng ctia djch COVID-19,41 Ngta Mng duyc phrip co ciu lyi tofti hyn trfi ny, miln, gifim ffi,

pMvi giti nguyrin nhftm ny.

Tti ngfiy 7 thtag 9 Mm 2021, Ngta Mng fip dyng Thring tu 14/2021/TT-NHNN ("Thring tu 14") ctia NHNN
stia dtti, btt sung mft stt dittu ctia Thring tu 01 quy djnh vk vifc TCTD, cM nhfinh ngta Mng nude ngofii co ciu

lyi tofti hyn trfi ny, miln, gifim ffi, phi, gift nguyrin nhftm ny nhlm htt tiy khtah Mng chju finh huftng bdi dich
COVID-19, cy thtt nhu sau: Dtti vdi stt du ny duyc co ciu lyi tofti hyn trfi ny, miln, gifim ffi, gift nguyrin nhdm
ny qufi hyn toeo tofti hyn co ciu lyi vfi khring tittp tyc duyc Ngta htag co ciu lyi todi hyn tifi ny vfi gift nguyrin
nhdm ny toeo cta quy djnh hifn Mnh, Ngta Mng toyc hifn phta loyi ny vfi trich lfp dy phftng rtii ro toeo Thring

toll.i

ciu lyi tofti hyn trfi ny, miln, gifim ffi duyc toyc hifn phta loyi toeo hai loyi ny nhu sau: (1) phta loyi ny giti
nguyrin nhu trade khi toyc hifn co ciu, miln gifim ffi; (2) phta loyi ny toeo quy djnh ctia NHNN v! phta loyi

ny bong hoyt dfng ctia TCTD. Trong tradng hyp chrinh lfch stt tiin dy phftng cln phfii trich toeo loyi ny (2) so

vdi loyi ny (1) lfi duong, Ngta hfing thyc hifn trich lfp dy phftng cy ink btt sung nhu sau:

Thai hqn
Dqphong bo sung
Ttti thittu 30% stt tittn dy phftng cy ink phfii trich btt sung Dttn ngfiy 31 thtag 12 Mm 2021

Ttti thittu 60% stt tittn dy phftng cy thtt phii trich btt sung Dttn ngfiy 31 thtag 12 Mm 2022

Dttn ngfiy 31 thing 12 Mm 2023

100% stt tittn dy phftng cy toi phfii trich btt sung
Tti ngfiy 1 thtag 1 Mm 2024, Ngta hfing cta cti quy ditto ctia NHNN ve trich lfp dy phftng rtii ro trong hoyt
dfng ctia TCTD, dtt trich lfp dy phdng rtii ro dtti vdi tota bf du ny, cam kttt ngoyi bfing ctia khfich Mng, bao
gttm cfi stt du ny duyc co ciu lyi tofti hyn trfi ny, miln, gifim ffi vfi gitt nguyrin nhftm ny theo quy djnh tyi Thong

to 03.

14
 Ngfn hfing Thirong myi Co phln Tien PhongMfiu sfi: B05a/TCTD-HN
57 Lf Thudng Kift, Qufn Hoan Kifim, Hd Nfi(Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy
31/12/2014 ciia Thfing tfic Ngan hdng Nhd nude Vift Nam)

Phdn loqi nff cho cdc khoin nff duffc ca cfiu lqi thdi hqn trd nff, mtfin, gidm ldi, phi nhfim hfi trff khdeh

king
Ttigfp khft
ngfiy 24khiln
thtag 4 Mm 2023, Ngta Mng fip dyng Thdng to stt 02/2023/IT-NHNN (Thring to 02) do NHNN
ban Mnh quy djnh ve vifc ttt chtic tin dyng, chi nhfinh ngta Mng nude ngofii co ciu lyi tofti hyn trfi ny vfi gitt
nguyrin nhftm ny nhlm htt try khfich hfing gfp khft khta. Theo dft, Ngta Mng duyc phrip co ciu lyi tofti hyn trfi
ny vfi gitt nguyrin nhftm ny nhu nhdm ny tyi todi dittm gin nhit trudc khi cy ciu lyi tofti hyn trfi ny dtti vdi stt du

ny gttc vfi/hofc ffi ctia cfic khota ny toda mta cfic dittu kifn sau:
-Cd du ny gttc phfit sinh trade ngfiy 24 thfing 4 Mm 2023 vfi tti hoyt dfng cho vay, cho thuri ffi chinh;
-Phfit sinh nghia vy tifi ny gttc vfi/hofc ffi ttong khotag todi gian tti ngfiy 24 thtag 4 Mm 2023 dttn httt ngfiy

30 thtag 6 Mm
-Stt du 2024;
ny ctia khota ny duyc co ciu lyi todi hyn tifi ny cftn bong hyn hofc qufi hyn dttn 10 (mufti) ngfiy ktt

tti ngfiy dttn hyn thanh tofin, tofti hyn tifi ny toeo hyp dttng, thfta toufn; duyc Ngta Mng dfinh gifi khfich Mng

gifim so vdi doanh tou, tou nhfp ffi phuong ta tif ny gttc vfi/hofc ffi toeo hyp dttng, toda toufn; duyc Ngta Mng

dfinh gifi cd kM Mng trfi ny dly dti ny gttc vfi/hofc ffi theo tofti hyn trfi ny duyc co ciu lyi;

- Khdng vi phym pMp luft,

TCTD, chi nhtah ngta Mng nude ngofii toyc hifn trich lfp dy phftng dtti vdi khfich Mng cd stt du ny duyc

co ciu lyi tofti hyn trfi ny toeo hai phta loyi ny nhu sau: (1) phta loyi ny gill nguyrin nhu trade khi toyc hirin co
ciu; (2) phta loyi ny toeo quy djnh ctia NHNN vk phta loyi ny bong hoyt dfng ctia TCTD. Trong ttuftng hyp
chrinh lfch stt tittn dy phftng cln phfii trich toeo loyi ny (2) so vdi loyi ny (1) 14 duong, Ngta Mng toyc hifn trich

lfp dy phftng cy thtt btt sung nhu sau:

Thdi hqn
Dq phong bo sung
Ttti thittu 50% stt tittn dy phftng cy (lik phfii trich btt sung Dttn ngfiy 31 thtag 12 nfim 2023

Trich torim stt cftn lyi dtt dti 100% stt tittn dy phftng cy ink Dttn ngfiy 31 totag 12 nfim 2024
phfii trich btt sung
Dttn 31/03/2024, Ngta Mng dfi toyc hifn trich lfp 100% stt dy phftng cy i^ btt sung nriu trfn.

Dq phdng
Theo chung
Thftng ty 11, dy phftng chung duyc trich lfp dtt dy phftng cho nhting tttn thlt chua xfic djnh duyc bong
qufi trinh phta loyi ny vfi trich lfp dy phftng cy ink vfi ttong cfic truftng hyp khd khta vktbi chinh ctia cfic ttt chtic

tin dyng khi chit luyng cfic khota ny suy gifim. Theo dfi, Ngta htag phfii toyc hifn trich lfp vfi duy tri dy phftng

chung bfing 0,75% tttng gifi trj cfic khota ny duyc phta loyi vta tti nhdm 1 dttn nhdm 4 (ngoyi tto cfic khota sau

dfy: tittn gtii vfi cho vay lirin ngta htag; khota vay, mua cd lty hyn giiy tft cd gifi vdi TCTD khfic; cfic khota
mua lty phittu, tin phittu, chftng chi tittn gtii, trfii phittu do TCTD khfic phfit hfinh bong nude; cfic khota mua bta
lyi trfii phittu chinh phu toeo quy djnh tyi dittm 1 khota 1 dittu 1 Thong tu 11). Dy phftng duyc trich lfp hfing
thflng duyc ghi nhfn vflo kttt qufi hoyt dfng ctia Ngta hfing.j
Xftlfnffxfiu^
Theo Thong tu 11, cfic khota cho vay khfich Mng sri duyc xti ty bing nguttn dy phftng khi duyc phta loyi
vfio Nhdm 5 hofc khi khfich Mng vay tuyrin btt pM sta hofc gifii thtt (dtti vdi tiuftng hyp khfich Mng vay lfi ttt
chtic), hofc khi khfich Mng vay chttt hofc mit tich (dtti vfti tiuftng hyp khfich Mng vay lfi cfi nhta).

15
 Ngin hfing Thuong myi Co phln Tirin PhongMfiu sfi: B05a/TCTD-HN
57 Lf ThudngKift, QufnHodn Kifim, Hd Nfi(Ban hdnh too Mng tu sfi 49/2014/TT-NHNNngdy
31/12/2014 da Thfing tic Ngtn hdng Nhd nude Vift Nam)

Cfic khota ny dfi duyc xti ty rtii ro bfing nguttn dy phftng duyc ghi nhfn vfio ffi khota ngoyi btag phti hyp

dtt theo dfti vfi tou ny. Stt tittn tou htti duyc tti ny dfi xft ty rtii ro duyc ghi nhfn vfio bfio cfio kttt qufi hoyt dfng

rieng khi tou duyc.

Phdn loqi vd dq phdng dfii vdi cdc cam kit ngoqi bdng
Theo Thftng tu 11, vifc phta loyi cfic khota cam kttt tin dyng ngoyi bfing duyc toyc hifn chi nhlm myc dich
quta ty, gifim sfit chit luyng hoyt dfng dp tin dyng. Khftng trich dy phftng cho cfic khota cam kttt tin dyng ngoyi

bfing, tto khi Ngta Mng duyc yriu ciu phfii toyc hirin nghia vy trfi toay toeo hyp dttng Mo Iflnh, trong tiuftng hyp
dd, khota trfi thay duyc phta loyi vfi trich lfp dy phftng toeo chinh sfich ktt tofin duyc trinh My tyi Thuyttt minh

4.6 My.:

4.7. Chftng khodn diu tu sin sdng dfi bin

4.7.1Phdn loqi vddiu

Chting khota ghitunhfn
sta stag dtt bta bao gttm cfic chting khota ny vfi chting khota vttn duyc TPBank nfim
gift vdi myc dich diu tu vfi sfin stag dtt bfin, khdng thufc loyi chting khota mua vfio bta ra touftng xuyrin nhung
cd fttk bta bit cft lie nfio xrit thly cd lyi. Dtti vdi chting khota vttn, TPBank khftng phfii 14 ctt dring sfing lfp;

hofc lfi dtti tfic chittn luyc; hofc cd khfi Mng chi phtti nhit ditto vta qufi trinh lfp, quyttt djnh cfic chinh sfich ffi
chinh vfi hoyt dfng ctia doanh nghifp nhfn diu tu thong qua vfin bta toda toufn cti nhta sy tham gia Hfi dttng

Quta ttj/Banghi
TPBank Tttng Gifim
nhfn dttc.
chting khota diu tu vfio ngfiy TPBank tto thfinh mft brin tham gia cfic dittu khota hyp dttng

ctia cfic chting khota My (ktt tota toeo ngfiy giao dich).
4.7.2Do ludng,
Chftng khodn vfin sin sdng dfi bdn j

lirin quan tryc tittp nhu chi phi mrii gidi, giao djch, cung cip thong tin, phi ngta htag (nttu cd). Sau dd, cfic chting
khota My duyc ghi nhfn toeo gifi trj thap hon gifta gifi dang ghi nhta terin so sfich vfl gifl toj tradng vdi stt ltt

Dtti vdi chting khota Von dfi nirim yet, gifi thj tiuftng duyc xfic djnh toeo gifi ddng ctia ffi ngfiy gin nhit cd

giao djch tinh dttn ngfiy kttt Otic ky ktt tofin.j

Dtti vdi cfic loyi chting khota vttn chua nittm yet nhung dfi dtag lty giao djch trrin thj tiuftng giao djch chting
khota ctia cfic cftng ty dyi chting chua nirim yttt ("sta UPCOM"), gifi toi truftng duyc xfic ditto 14 gifi tham chittu

binh quta trong 30 ngfiy giao dich tittn ktt gin nhit trade ngfiy kttt Otic lty ktt tofin.j
Dtti vdi chting khota chua nirim yttt khfic, bong tradng hyp gifi thj tradng ctia chting khota khring cd hofc

khring thtt duyc xfic dinh mft cfich dfing tin cfy, cfic chting khota nfiy duyc ghi nhfn toeo gifi gttc.

Chftng khoin nff sin sing di bin

Chting khota ny sin stag dtt bta duyc ghi nhfn ban diu toeo gifi gttc, bao gttm gifi mua cfng cfic chi phi cd
tirin quan tryc tittp chi phi mfi gidi, giao djch, cung dp toting tin, phi ngta Mng (nttu cd). Sau dd, chting khota

ny duyc ghi nhfn toeo gifi gttc duyc phta btt (chiu tfic dfng ctia vifc phta btt gifi tej chittt khiu vfi gifi tij phy tifi)
tto di dy phftng rui ro tin dyng vfi dy phftng gifim gifi chting khota. Gifi trj phy trfti vfi gifi tij chittt khiu phfit sinh
tti vifc mua cfic chting khota ny duyc phta btt vfio bta cta kttt qM hoyt dfng toeo phuong pMp duftng thing

L8i sau khi mua ctia chting khota ny dn sfing dtt bta duyc ghi nhfn trrin bta cta kttt qufi hoyt dfng tirin co

sti dttn tich.

16
 Ngfn hfng Thirong myi Co phln Tirin PhongMfiu sfi: B05a/TCTD-HN
57 Lf Thudng Kift, Qufin Hoan Kifim, Hi Nfi(Ban hdnh too Mng tu si 49/2014/TT-NHNN ngdy
31/12/2014 cia Thing tfic Ngtn hdng Nhd nude Vift Nam)

Chting khota ny sin sfing dtt bta dfi nirim yttt duyc ghi nhfn toeo gifi gttc tto di dy phftng gifim gifi chting
khota bing cfich tham khfio giao djch gin nhat tyi Sft Giao dich chting khota ttong vdng 10 ngfiy tinh dttn ngfiy

kttt Otic lty ktt tofa. Truftng hyp khring cri giao dich bong vring 10 ngfiy tinh dttn ngfiy kttt thtic lty ktt tofin, Ngta
Mng khring trich lfp dy phring cho cfic chting khota My. Ngta hfing khring trich lfp dy phring cho tifii phittu

Chinh phu, trfii phittu duyc Chfnh phti bta Utah, trfii phittu chinh quyttn dja phuung duyc phta loyi lfi chting

khota diu tu.

Chting khofin ny sin sfing dtt bta chua nirim yttt duyc ghi nhfn toeo gifi gttc tto di dy phring rtii ro tin dyng

ctia tifii phittu doanh nghifp (bao gttm cfi trfii phittu, lty phittu vfi chting chi tittn gtii do TCTD khta phfit Mnh)
chua nirim yttt tirin thj traftng chting khota hofc chua dtag lty giao djch ttrin hf tottng giao djch UPCoM tuta
toti toeo Thring tu 11 duyc mri tfi ffi Thuyfit minh so 4.6.j
4.8. Chftng khodn dfiu tu gift dfin ngdy ddo hqnI

Chting khota diu tu gift dttn ngfiy dfio hyn bao gttm tifii phittu dfc bift duyc phfit Mnh brii CSng ty Mua bfin

ny vfi Tfii sta tttn dyng ctia doanh nghifp ("DATC").

Trfii phittu DATC duyc ghi nhfn toeo mfnh gifi tyi ngfiy mua tifii phittu. Trong khofing tofti gian Mm gift tittp

toeo, cfic trfii phittu nfiy tittp tyc duyc ghi nhfn toeo mfnh gifi. So tittn ffi phft sinh sau tofti dittm mua duyc ghi

Djnh lty, tifii phittu DATC sri duyc phta loyi ny vfi trich lfp dy phftng toeo chinh sfich ktt tota d! cfp ft Thuyet

minh 4.6 toeo Quy djnh tyi Thring tu 11.

4.9.Cic hffp dfing mua lqi vi bin lqi
Nhftng chting khota duyc bta dttng tofti duyc cam kttt sri mua lyi vfio mft tofti dittm nhit djnh bong tuang
lai vin duyc ghi nhfn trrin bfio cta ffi chinh. Khota tittn nhta duyc toeo thria thuyn My duyc ghi nhta ihu mft
khota ny phfii tifi trrin bta cfio tinh hinh ffi chinh vfi phln chrinh lfch gifta gifi bta vfi gifi mua duyc phta btt toeo
phuong phfip during thing toeo ffi suit trrin hyp dttng vfio bta cta kttt qM hoyt dfng bong suttt tofti gian hifu

lye cua hyp

Nhftng dttng.
chting khota duyc mua dttng tofti duyc cam kttt sri bta lyi vfio mft tofti (Gttm nhit djnh trong tuong lai
khfng duyc ghi nhfn terin bta cfio ffi chinh. Khota tittn thanh tota toeo thria toufn My duyc ghi nhfn nhu mft

ffi sta trrin bta cta tinh hinh ffi chinh vfi phln chrinh Ifch gifta gifi bta vfi gifi mua duyc phta btt toeo phuong
phfip during thing toeo ffi suit trrin hyp dong vfio bta cfio kttt qua hoyt dfng bong suttt tofti gian hifu lye ctia

hyp dttng.
4.10.Tii sin cfi djnh
Tfii sta ctt djnh duyc thtt hifn toeo nguyrin gifi tto di gifi trj khln hao My Mo mftn luy ktt.
Nguyrin gifi ban diu ctia ffi sin ctt djnh hftu hinh gttm gifi mua ctia ffi sfin, bao gttm cfi toutt nhfp khiu, cfic
loyi toutt diu vfio khring duyc hota lyi vfi chi phi lirin quan tryc tittp dttn vifc dua ffi sta vfio tryng thfii vfi vj tri
hoyt dfng cho myc dfch sti dyng dy kittn.|

Cfic chi phi mua slm, ntag dp vfi dtti mtii ffi sta ctt djnh duyc ghi ttag nguyrin gifi ctia ffi sta ctt dinh; chi
phi bfio tri, stia chfta duyc hych tofin vfio kttt qufi hoyt dfng khi phflt sinh.j
Khi ffi sta ctt djnh duyc bta My thanh ty, nguyrin gifi vfi gifi trj hao mftn luy ktt duyc x6a stt vfi cfic khota

ffi/ltt phfit sinh do thanh ty ffi sta duyc hych tota vfio kttt qufi hoyt dfng.

4.11.Khiu hao
Khiu hao vfi vi
haohao min
mftn ctia ffi sta ctt ditto httu hinh vfi vri hinh duyc tinh toeo phuong phfip during thing ttong

suttt tofti gian sft dyng uftc tinh cua ffi sta ctt djnh nhu sau:

17
 Mfiu sfi: B05tdTCTD-HN
Ngfn hfing Thuong myi Co phin Tien Phong
(Ban hdnh too Mng to sfi 49/2014/TT-NHNN ngdy •
57 Lf Thudng Kift, Qufin Hoan Kifim, Hi Nfi
31/12/2014 ciia Thfing tic Ngdn hdng Nhd nude Vift Nam),

4-8Mm
Mfiy mric thittt bj
8 nfim
Phuong tifn vfn tfii
3-8nfim
Thittt bi dyng cy quta ty 4-6 nfim
Tfii sta ctt djnh hftu hinh khfic 5-8Mm
Phln mttm mfiy tinh
4.12. Thud hoqt dfng

myc "Chi phi hoqt dpng" terin bta cto kit qM hoyt dfng trong suttt tofti hyn touri ffi sfin.

4.13. Cic khoin phai thu

4.13.1 Cic khoin nff phai thu duffc phdn loqi li tii sin ci rfti ro tin dqng

duyc Ngta hfing toyc hifn phta loyi ny vfi trich lfp dy phftng rui ro toeo quy dinh ctia phfip luft vk trich lfp vfi sti

dyng dy phftng dtt xft ty rtii ro duyc trinh My tyi Thuyfit mirth sfi 4.6.

4.13.2 Cic khoin phii thu khic

Cfic khota pMi tou khfic khring duyc phto loyi 14 ffi sta cft rtii ro tin dyng duyc ghi nhfn theo gifi gttc vfi luftn

ny hofc theo dy kittn tttn thlt cri tott xfiy ra trong truftng hyp khota ny chua dttn hyn thanh tota nhung ttt chtic kinh

luft tray ttt, xrit xft hofc dang thi hfinh ta hofc da chttt. Chi phi dy phftng phfit sinh duyc hych tota vflo "Chi phi

hoqt dqng" trrin Mo cfio kttt qufi hoyt dfng.I

Dtti vfti cfic khofin ny phto tou qufi hyn thanh tofin, mtic trich lfp dy phftng duyc quy djnh ffi Thong tu stt

48/2019/TT-BTCnhusau:
Thfti gian qufi hynMtic trich dy phftng

30%
Tti sta toflng dttn dufti mft Mm
50%
Tti mft Mm dttn dufti Mi Mm
70%
Tti Mi Mm dttn dufti ba Mm
100%
Tti ba Mm trd Irin

4.14.Chi phi tri trudc vi chi phi chdphdn bi

Chi phi trfi truftc bao gttm cfic chi phi tifi truftc ngfin hyn hofc chi phi trfi truftc dto hyn trrin bfio cta tinh hinh

ffi chinh vfi duyc phta btt bong khofing tofti gian tri truftc hofc tofti gian cfic lyi ich kinh ttt tuong ting duyc tyo

ra tti cfic chi phi My.

4.15.Cic cdng cq phii sinh
Ngta Mng lty kttt cfic hyp dttng ngoyi htti lty hyn vfi hota dtti nhlm tyo dittu kifn cho khfich Mng chuyttn,
dittu chinh hofc gifim rtii ro htti doto hofc cfic rtii ro thj ttuftng khfic, dttng todi phyc vy myc dich kinh doanh ctia

Ngta Mng.
4.15.1 Cic hffp dfing kf hqn ngoqi if
Cfic hyp dttng lty hyn tiin tf 14 cfic cam kttt dtt thanh tota bing tittn mft ffi mft ngfiy ttong tuong lai dya ttrin
chrinh lfch gitta cfic ty gifi duyc xfic djnh truftc, duyc tinh trta stt tiin gttc danh ngMa. Cfio hyp dttng lty hyn duyc
ghi nhfn theo gifi tij danh nghia ffi ngfiy giao djch vfi duyc dfinh gifi lyi cho myc dich lfp bfio cta ffi chinh toeo
ty gifi giao ngay tyi tofti dittm kttt toitcky ktt tota vfi duyc trinh bfly toeo gifi trjtouln bfio cfio tinh hinh tfii chhth.

18
 Ngfn hfing Thirong myi Co phln Tirin PhongMfiu sfi: BOSa/TCTD-HN
57 Lf Thudng Kift, Qufin Hoan Kifim, Hd Nfi .(Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy
31/12/2014 cia Thfing tic Ngdn hdng Nhd nude Vift Nam):
r
Chrinh lfch do dfinh gifi lyi cutti lty duyc ghi nhfn vfio khota myc "Chrinh lfch ty gifi htti doto" ttrin bta cta tinh
hinh ffi chinh mtti thfing vfi duyc kttt chuyttn vfio bfio cta kttt qufi hoyt dfng kinh doanh vfio cutti Mm ffi chinh.

Chrinh lfch gitia gifi trj VND ctia stt luyng ngoyi tf cam kttt mua/bta toeo ty gifi ky hyn vfl ty gifi giao ngay duyc
phta btt vfio bta cta kttt qM hoyt dfng toeo phuong pMp duftng thfing trong tofti gian hifu lye ctia cfic hyp dttng

My.
4.15.2Cic hffp dfing hoin dfii tifin tf
Cfic hyp dttng hota dtti tittn tf lfi cfic cam kttt mua vfi bta cting mft luyng ngoyi tf (chi cft hai dttng tiin duyc
sti dyng ttong giao djch) vfti cting mft dtti tfic, trong dft mft giao dich cri tofti hyn thanh tota giao ngay vfi mft
giao djch cf tofti hyn thanh tota xfic djnh trong tuong lai vfi ty gifi ctia hai giao djch duyc xfic djnh dttng tofti tyi

tofti dittm xfic nhfn giao djch giao ngay. So tiin phy trfi hofc chittt khiu do chrinh lfch ty gifi giao ngay tyi ngfiy
hifu lye ctia hyp dttng vfi ty gifi ky hyn niy sS duyc ghi nhfn ngay ffi ngfiy hifu lye ctia hyp dttng nhu mft khota
myc ffi sta nttu duong hofc khota myc ny phfii trfi nttu tat tifn bfio cta tinh hinh ffi chinh. Chrinh lfch My si
duyc phta btt toeo phuong phfip duftng thing vfio bta cfio kttt qufi hoyt dfng bong suttt tofti hyn ctia hyp dttng.
4.15.3Cic HffpSng hoin dfii ldi suiti

Cfic hyp dttng hota dtti Iii suit lfi cfic cam kttt thanh tota khota tittn lii tinh toeo ffi suit thfi noi My ffi suit
ctt djnh duyc tinh trrin cting mft khota tittn gttc danh nghia. Cfic khota tou nhfp vfi chi phi ffi phfit sinh ttrin gifi

trj khota vttn danh nghia duyc ghi nhfn vfio bfio cfio kttt qM hoyt dfng trrin cy sft dttn rich.
4.16.Tifin gfti cia cic ti chftc tin dqng khic, cfta khich hdng vi phit hinh giiy td ci gii
Cfic khota tittn gtii ctia cfic ttt chtic tin dyng khfic, ctia khfich Mng vfi phfit Mnh glly tft cft gifi duyc cring btt

vfi trinh My toeo stt du gttc ffi tofti dittm kttt Otic lty ktt tota.
Tyi tofti dittm ghi nhfn ban diu, phy tifi/chittt khiu phfit sinh tti vifc phfit Mnh trfii phittu duyc ghi ttag/gifim
stt du gttc ctia trfii phittu. TPBank toyc hifn phta btt din cfic chi phi My vfio "Chi phi ffi vfi cfic chi phi tuang
ty" toeo phuong pMp duftng thing phti hyp vfti lty hyn ctia giiy tft cft gifi.

4.17.Cic khoin phii Ui vi chi phi trich trudc

Cfic khota phfii trfi vfi chi phi trich trade duyc ghi nhfn cho stt tien phfii trfi bong tuong lai Grin quan dttn Mng
hfta vfi djch vy dfi nhfn duyc khring phy thufc vfio vifc TPBank dfi nhta duyc hfta don ctia nM cung dp My

chua.

4.18.Von vide quf

4.18.1Cfi phiiu phfi thdng
Ctt phittu phtt thong duyc phta loyi lfi vttn chti sft htiu vfi duyc ghi nhfn toeo mfnh gifi. Cfic chi phi phfit sinh
Grin quan bye tittp tfti vifc phfit Mnh ctt phittu phtt thong duyc ghi nhta 14 tuft khota gifim tto vfio thfng du vttn

ctt phln trong vttn chti sd htiu.I

4.18.2Thing du vfin cfi phin

Khi nhta duyc vttn tti cfic ctt dring, phln chrinh lfch gitta gifi phfit Mnh vfi mfnh gifi ctia ctt phittu duyc ghi
nhfn vta thfng du vttn ctt phln trong vttn chti sft htiu.j
4.18.3Cic quy dq trftj

Cic quf dqtrit cda Ngdn hing

Theo Nghj djnh stt 93/2017/ND-CP do Chinh phti Vift Nam ban Mnh ngfiy 7 thtag 8 Mm 2017 vtt chtt df ffi
chinh dtti vfti cfic ttt chtic tin dyng, hfing Mm Ngta Mng phfii trich lfp cfic qtty nhu sau trutic khi phta phtti lyi

nhufn:

19
 NgSn hfing Thirong myi Co phan Tirin PhongMfiu sfi: BOSa/TCTD-HN
57 Lf Thudng Kift, Qufn Hoin Kifim, Hi Nfi(Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy
3111212014 cua Thing tie Ngtn hdng Nhd nude Vift Nam)

T? If trich lfp hing nfimSo du ttti da

Qujt dp tto btt sung vttn dittu lf5% lyi nhufn sau toutt100% vttn ctt phln

Qttydy phring ffi chhto10% lyi nhufn sau touttKhring quy djnhj
Quy dy phring ffi chinh dting dtt bti dip phln crin lyi ctia nhting tttn that, thift hyi vk ffi sta xiy ra trong qufi
trinh kinh doanh sau khi dfi duyc bti dip bfing tittn btti touftng ctia cfic ttt chtic, cfi nhta gfy ra tttn thlt, ctia ttt
chtic bfio hittm vfi sti dyng dy phftng trich lfp bong chi phi; sti dyng cho cfic myc dich khfic toeo quy djnh ctia
pMp lufL Cfic qu? dy tto bit buflc My khring duyc phrip phta phtti vfi duyc ghi nhfn nhu mft phln ctia vttn chti
sft htiu.j
Cfic qujf khfic thuflc nguttn vttn chti sd htiu duyc phta btt tti lyi nhufn sau toutt. Vifc trich lfp cfic qu? My do

Ngta htag ty quyttt djnh.

Vifc phta btt tti lyi nhufn sau toutt cho cfic qujl My phfii duyc Dyi hfi dttng Co dring phi duyft

Cic quf dq trft cda Cingty Cfi phdn Quin If quf Vift Cit
Ngfiy 17 tofing 12 Mm 2021, Bf Tfii chinh ban Mnh thring tu stt 114/2021/TT-BTC dtt Mi bri thring tu stt
146/2014/TT-BTC ctia Bf trudng Bf Tfii chinh hudng din chtt df ffi chinh dtti vfti cring ty chting khofin, cring
ty quta ty qu?, toeo dri:j
?Qttydy trtt btt sung vttn dittu lf: trich lfp theo quy dinh tyi Thring tu stt 146/2014/TT-BTC: Sti dyng dtt
btt sung vttn dittu lf toeo quy djnh hifn MnhI
?Qu? dy phring ffi chinh vfi rti ro nghifp vy: trich lfp toeo quy dinh ffi Thring tu stt 146/2014/TT-BTC:

Sti dyng dtt btt sung lyi nhufn chua phta phtti
4.18.4Qqf khen thudng viphftc Iff!
Qu? khen touftng vfi phuc lyi duyc phta btt tti lyi nhufn sau toutt toeo quyttt djnh ctia cfic ctt dring tyi cufc
hyp Dyi hfi dttng ctt dring touftng nien vfi chti yttu duyc dting dtt chi tifi cho cta bf, cring nhta virin ctia TPBank.
4.18.5Co phiiu qufj
Ctt phittu qu? chi duyc ghi nhfn dtti vfti vifc mua lyi cfic ctt phittu Iri phfit sinh khi phfit Mnh ctt phittu dtt trfi
ctt tic hofc phfit Mnh ctt phittu tti nguttn vttn chti sd htiu toeo phuong ta dfi duyc thong qua, hofc mua lyi ctt

phittu Id Iri toeo yriu ciu ctia ctt dring. Cri phittu Iri lfi ctt phittu dyi difn cho phln vttn ctt phln hinh thfinh do gfp
cfic phln Iri ctt phln chia toeo ti lf cho nM diu tu. Trong tit cfi cfic tiuftng hyp khfic, khi mua lyi ctt phittu mfi
trade dft dfi duyc ghi nhfn lfi vttn chti sd htiu, mfnh gifi ctia cfic ctt phittu mua lyi phfii duyc ghi gifim tto vfio vttn

ctt phln. Chrinh lfch gitia mfnh gifi ctia ctt phittu mua lyi vfi gifi trj khota thanh tota bao gttm cfic chi phi Grin
quan tryc tittp, tto di toutt, duyc ghi nhta vfio thfng du vttn ctt phln.j
4.19. Cic nghifp vq bfing ngoqi tf!
Theo hf tottng ktt tota ctia Ngta htag, tit cfi cfic nghifp vy phfit sinh cia TPBank duyc hych tofin toeo nguyttn
tf. Tyi tofti dittm cutti ky, ffi sfln vfi cring ny cft nguttn gttc ngoyi tf duyc quy dtti sang VND toeo ty gifi quy djnh
vfio ngfiy lfp bfio cfio tinh hinh ffi chinh. Cfic khota tou nhfp vfi chi phi bing ngoyi tf ctia TPBank duyc quy dtti

ra VND toeo ty gifi vfio ngfiy phfit sinh giao djch. Chfnh lfch ty gifi do dfinh gifi lyi cfic ffi sta vfi cflng ny bfing
ngoyi tf sang VND duyc ghi nhfn vfi toeo drii tirin khota myc "Chinh Ifch tf gift hfii doftT ttrin ffi khota "Vin

chu sd Mitt.\

20
 Ngfin hfing Thirong myi Co phln Tirin PhongMfiu sfi: BOSa/TCTD-HN
57 Lf Thudng Kift, Quqn Hoan Bent, Hd Nfi(Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy i
31/12/2014 ciia Thfing tfic Ngtn hdng Nhd nude Vift Nam)

4.20. Ghi nhfn thu nhfp vd chi phi'

4.20.1Thu nhfp IH vi chi phi Mi

Thu nhfp lfii duyc ghi nhta teong bta cfio kttt qufi hoyt dfng terin co sd dttn tich dtti vfti cfic khota ny duyc
phta loyi lfi ny dti tieu chuln khring phfii trich lfp dy phring rtii ro cy thtt. Dtti vfti cfic khota ny cftn lyi, lfii duyc

ghi nhta terin bta cfio kttt qufi hoyt dftng khi TPBank toyc nhta.
Chi phi lfii duyc ghi nhfn vfio bfio cta kttt qufi hoyt dfng toeo co sd dttn tich.

4.20.2Phi djch vqvd hoa hfing

Cfic khota phi djch vy vfi hoa httng duyc hych tota terin co sft dttn tich.

4.20.3Cfi tftc
Ctt tic bfing tittn nhfn duyc tti hoyt dfng diu tu duyc ghi nhfn lfi tou ttoflp khi quyttn nhfn ctt tic ctia TPBank
duyc xfic lfp. Ctt tic bfing ctt phittu vfi cfic ctt phittu toudng nhta duyc khdng duyc ghi nhfn lfi tou nhfp ctia

TPBank mfi chi cfip nhft stt luyng ctt phittu.

4.20.4Thu nhfp/chi phi tit mua bin nff
Theo Quyttt djnh stt 59/2006/QD-NHNN, Thring tu stt 09/2015/TT-NHNN vfi Thring tu stt 18/2022/TT-
NHNN stia dtti, btt sung mft stt dittu ctia TT09/2015/TT-NHNN, phln chrinh lfch gitia gifi ctia khota ny mua

bta vfi gifi trj ghi stt ctia khota ny duyc hych tota nhu sau:

? Dtti vfti khota ny duyc hych tota nfi btag:

Vifc xti ty tou htti ny duyc thyc hifn toeo nguyrin tic: tou htti ny gttc truftc, ny lfii sau. Truftng hyp gifi bfin
ny cao hon hofc bfing gifi trj ghi stt nfi btag ctia khota ny duyc mua bta: Sau khi tou htti stt ny gttc, ny lfii ctia

khota ny dfi bfin, phln chrinh lfch (nttu cft) gitia gifi bfin ny vfl gifl trj ghi stt nfi bfing ctia khota ny duyc mua

bta duyc ghi nhta vfio kttt qufi hoyt dfng ctia Ngta hflng.
Truftng hyp gifi bta ny thap hon gifi trj ghi stt nfi btag ctia khota ny duyc mua bta: Ngofii stt tittn tou duyc

tti bta ny, TCTD sti dyng tittn btti touftng (trong truftng hyp bj tttn that ve ffi sfin do nguyrin nhta chti quan vfi

phfii btti touftng toeo quy djnh vk chtt df ffi chinh dtti vfti ttt chtic tin dyng, chi nhfinh ngta Mng nuftc ngofii),
tittn bta hittm (nttu cft) dtt tou hoi ny. Sau khi sti dyng httt stt tittn tou duyc tti bta ny, tittn btti touftng, tittn bfio
hittm nriu trrin dtt tou htti ny mfi vln thittu, TCTD toyc hifn nhu sau:|
-Dtti vdi stt ny gttc khring tou duyc: TCTD sti dung dy phring duyc trich lfp teong chi phi, traftng hyp
thittu duyc bti dip bfing qu? dy phring ffi chinh ctia ngta Mng. Traftng hyp qu? dy phring ffi chinh khring dti bti
dip toi phln thittu duyc hych tota vfio chi phi khfic trong ky. Sau khi hota thfinh vifc xti ty ffi chinh nriu terin,

Ngta Mng thyc hifn xult tota dtti vdi stt ny gttc khfng tou duyc.I
-Dtti vfti stt ny lfii khong tou duyc: Truftng hyp, stt ny lfii dang duyc ghi nhfn nfi bfing dfi hych tota
vfio thu nhfp, TCTD thyc hifn hych tota gifim tou nhfp hofc hych tota vfio chi phi toeo quy djnh v! chi df ffi
chinh dtti vfti ttt chtic tfn dyng, chi nhfinh ngta Mng nuftc ngofii. Traftng hyp, stt ny lfii dang duyc ghi nhfn ngoyi
btag, TCTD toyc hifn xult tota stt ny 191 ctia khota ny dfi bta.j

bfing vfi ghi nhfn stt tiin bfin no (toeo gifi bfin no) vfio tou nhfp ctia Ngta Mng.I
? Dtti vdi khofln ny dfi xult tofin rakhrii ngoyi bflng: Stt tittn bta no duyc ghi nhta vfio tou nhfp cua Ngta hflng.

Gifi tej ghi stt nfi btag ctia khota ny duyc mua bta: gttm gifi trj ghi stt stt du ny gttc, du ny lfii ctia khota ny
vfi cfic nghia vy ffi chinh khfic Grin quan dttn khofin ny (nttu cft) dttn tofti dittm mua, bta ny dang duyc hych tota

Gifi mua/bta ny lfi khota tittn mfi brin mua ny phfii trfi cho brin bta ny toeo hyp dttng mua/bta ny.

21
 Ngfin hing Thuong myi Co phln Tiin PhongMfiu si: B05a/TCTD-HN
57 Lf Thudng Kift, Qufn Hoan Kifim, Hd Nfi(Ban hdnh too Mng tu sfi 49/2014/TI-NHNN ngdy
31/12/2014 cua Thfing tfic Ngtn hdng Nhd nude Vift Nam)

4.21. Thufi thu nhfp doanh nghifp

Thufi
Tfii thu
sta nhfp
toutt vfi hifn hdnhnfp cho Mm hifn Mnh vfi cfic nfim trade duyc xfic djnh bfing gifi tei dy kittn phfii
toutt phfii
nfp cho (hofc duyc tou htti tti) co quan toutt, fip dyng mtic toutt suit vfi cfic luft toutt cft hifu lye vfio ngfiy kttt

OticThutt
Mmtouffi chinh.
nhfp hifn hfinh duyc ghi nhfn vfio kttt qM hoyt dfng ngoyi tto traftng hyp toutt tou nhfp phfit sinh
Ufn quan dttn mft khota myc duyc ghi thing vfio vttn chti sd htiu, trong traftng hyp My, toutt tou nhfp hifn Mnh

cting duyc ghi nhfn tryc tittp vta vttn chti sd httu.
TPBank chi duyc bti tto cfic ffi sta toutt tou nhfp hifn hfinh vfi toutt tou nhfp hifn hfinh phii trfl khi TPBank
cft quyttn hyp phfip duyc bti tto gitta ffi sta toutt tou nhfp hifn hfinh vfti toutt tou nhfp hifn Mnh phfii nfp vfi
TPBank dy djnh thanh tota ftutt tou nhfp hifn Mnh phfii trfi vfi ffi sta toutt tou nhfp hifn Mnh trrin co sft touln.

Thufi tou
Thutt thu nhfp
nhfphota
hodnlyi
lqiduyc xfic djnh cho cfic khota chrinh lfch tym tofti ffi ngfiy lfp Mo cfio tinh hinh ffi
chinh gitta co sft tinh toutt tou nhfp ctia cfic ffi sta vfi ny phfii trfi vfi gifi trj ghi stt ctia chting duyc trinh My trrin

bfio cfio ffi chinh.|

Thutt tou nhfp hota lyi phfi trfl duyc ghi nhfn cho tit cfi nhting chrinh lfch tym thfti chju toutt.I
Tfii sta toutt tou nhfp hota lyi duyc ghi nhfn cho tit cfi nhttng chfnh lfch tym thfti duyc khiu tto, gifi tej duyc
khiu tto chuyttn sang cfic Mm sau ctia cfic khota ltt tinh toutt vfi cfic khota uu dfii toutt chua sti dyng, khi chic
chin bong tuong lai si cti lyi nhufn tinh toutt dtt sti dyng nhttng chrinh lfch duyc khiu tto, cfic khota ltt tinh toutt

vfi cfic uu dfii toutt chua stt dyng My. Tfii sta toutt tou nhfp hota lyi vfi toutt tou nhfp hota lyi phfii trfi duyc xic
djnh toeo toutt suit dy tinh sri fip dyng cho Mm ffi chinh khi ffi sta duyc tou htti My cring ny duyc thanh tofin,

dya trfn cfic mtic toutt suit vfi luft thutt cri hifu lye vfio ngfiy kttt Otic nfim ffi chinh.

4.22.Tii sin uy thic qudn If gift hf

Cfic ffi sta gitt cho myc dich tiy thfic quta ty gitt hf khring duyc xem 14 ffi sta ctia TPBank vfi duyc trinh

My trong myc Tfii sta ngoyi btag bong bta cta ffi chinh.

4.23.Lqi ich cda nhdn vidn

4.23.1Trff cfip nghi huu
Nhta vifn TPBank khi nghi huu sri duyc nhfn try cip v! huu tti Bta hittm Xfi hfi thufc Bf Lao dfng vfi
Thuong binh Xfi hfi. TPBank sri phfii dring bta hittm x9 hfi cho mtti nhta virin bfing 17,5% luong co bta Mng
thtag, phy cip luong vfi cfic khota btt sung khfic. Ngofii ra, TPBank khring phfii cri mft nghia vy nfio khta. j

4.23.2Trff cfip thoi vifc

Theo Bf Luft Lao dfng, TPBank cf nghia vy chi trfi tiy dp torii vifc cho ngufti lao dfng dfi lfim vifc touftng
xuyrin cho Ngta Mng ttt dti 12 thtag tto lfn truftc khi nghi vifc vfi chim dtit hyp dttng lao dfng toeo dting quy djnh
ffi cfic khota 1,2,3,4,6,7,9,10 Dittu 34 Bf luft Lao dfng 2019 mtti nfim lfim vifc bing mft ntia thfing luong.
Thfti gian lfim vifc dtt tinh try dp Of1 vifc, tittn luong dtt tinh try dp Ofi vifc duyc xfic djnh toeo khota 2,
3 Dittu 46 Bf luft Lao dfng 2019, khofin 3,5 Nghi ditto 145/2020/ND-CP, trong dft:|
Thfti gian lfim vifc dtt tinh try dp torii vifc lfi tttng tofti gian ngufti lao dring dfi lfim vifc toyc ttt cho ngufti

vk bfio hittm thlt nghifp vfi tofti gian lfim vifc dfi duyc ngufti stt dyng lao dfng chi trfi try dp thoi vifc.
Tittn luong dtt tinh tiy dp torii vifc lfi tittn luong binh quta ctia 06 thfing littn k! toeo hyp dttng lao dfng trade

khi ngufti lao dfng torii vifc.

22
 Mfiu sfi: B05a/TCTD-HN
NgSn hfing Thuong myi Co phln Tirin Phong
(Ban hdnh too Mng tu si 49/2014/TT-NHNN ngdy
57 iy Thudng Kift, Quqn Hoin Kifim, Hi Nfi
31/12/2014 cua Thfing tfic Ngtn hdng Nhd nude Vift Nam)

4.23J Trff
Theo cfip thk
Thring nghifp
tu stt 28/2015/TT-BLDTBXH huftng din toyc hifn Diiu 52 ctia Luft Vifc lfim vfi mft stt diiu
ctia Nghj djnh stt 28/2015/ND-CP ngfiy 12 thtag 3 Mm 2015 ctia Chinh phti quy ditto chi tittt thi Mnh mft stt

1% qu? tittn luong, tittn cdng dring bta hittm that nghifp ctia nhting ngufti tham gia bfio hittm thlt nghifp vfi trich
1% tiin luong, tiin cflng thfing dftng bio hiim thlt nghifp ctia tting ngufti lao dfng d! dftng cting lie vfio Qu?

4.24Tfii
Cfinstatrft
vfi(Bd trft) trfi ffi chinh duyc cln tto vfi to! hifn gifi tij tong trrin bfio cfio tinh hinh ffi chinh chi khi
ny phfii
TPBank c6 quyin hyp phfip d! toyc hirin vifc dn tto vfi TPBank dy ditto thanh tota ffi sta vfi ny phfli tifi thejo

gifi tij tong hofc vifc tit tota ffi sta vfi ny phfii trfi xiy ra dttng tofti.

5. Tiin mft, vfing bye dfi qu? 31/12/2023

31/03/2024
Trie u VND
Trifu VND
1.176.750 1.088.471
Tiin mft bfing VND 235.980
184.096
428.544 1.014.110
Vfing 2338.561
1.789.390
Tttng
i
[
6. Tiin gtii tyi NgSn hfing nhfi nutic
31/03/2024 31/12/2023
Trie VND Trifu VND

10.477.753 7.382.081
Tiin gtii thanh tota ffi Ngta Mng NM nutic bfing VND
900.375 1.831.728
Tilngi 9.213.809
11378.128
Tttng

7. Tiin ving gtii tyi cfic TCTD khfic vfi cho vay cfic TCTD khficc
31/03/2024 31/12/2023
Trie u VND Trifu \ND
41.430.265 33.889.232
Tiin, vtag gtii ffi cfic TCTD khfic 18.463.887
15.017.054
Cho vay cfic TCTD khfic 52353.119
56.447319
Tttng
- Tifin ving gfti tqi cic TCTD khic
i
31/03/2024 31/12/2023
Trifu VND Trifu VND
17.767.920 15.039.232
Tiin, vfing gtii khring lty hyn 16.707.409 13.769.428
-Btag VND 1.060.511 1.269.804
-Btagngoyi ffi vtag 18.850.000
23.662345
Tiin, vfing gtii cti ky hyn 18.850.000
20.640.000
-Btag VND 3.022.345 m
- Btag ngoyi tf, vtag 33.889.232
41.430365
Ting

23
 Mfiu sfi: BOSa/TCTD-HN)
NgSn hfing Thuong myi Ctt phln Tirin Phong (Ban hdnh too thdng to sfi49/2014/TT-NHNNngdy)
57 Lf Thudng Kift, Qufn Hoin Kifim, Hd Nfi 31/12/2014 cua Thing tfic Ngtn hdng Nhd nude Vift Nam)

- Cho vay cic TCTD khic 31/12/2023

31/03/2024
Trifu VND
Trifu VND
14.840.995 18.463.887
-Btag VND
160.021
TVong dd: Chiit khau, tfti chifit khau
176.059
-Bfing ngoyi tf, vfing 18.463.887
Tttng~ 15.017.054
- Phdn tich chfit luffng du nff cho vay, tiin gfti cikf hqn tqi cic TCTD khic
31/03/2024 31/12/2023
Trifu VND
Trifu VND

Ny dti tifu chuln 18.850.000

- Tiin gii co ky hqn tqi cdc TCTD Hide23.662.345
18.463.887
-Cho vay cftc TCTD khftc15.017.054
38.679399 37313.887
Tttng
8. Chting khoin kinh doanh
31/03/2024 31/12/2023
Trieu VND Trifu VND

3.904
Chting khota vttn do cfic TCKT phfit Mnh
Dy phftng rtii ro chung khota kinh doanh (6)
Dq phong giam gii
(6)
3.898
Tttng
Dy phring
Trifu VND

Stt du diu ky tyi 01/01/2024

Stt dy phftng trich lfp/ (hota nhfp trong lty)
Stt du cuoi ky tyi 31/03/2024
- Thuyit minh vi tinh trqng nittm yfit cfta cic chftng khoin kinh doanh

31/03/2024 31/12/2023
Trifu VND
Trieu VND
3.904
Chting khota vttn dfi nirim yttt
3.904
Tttng
9. Cfic cring cy tfii chinh phii sinh vfi cfic khoin ny tfii chinh khic
Tttng gifi trj hyp dttng
-Gifi tijtouln(*4)
P
D-igu dong Trifu ddng

Tyi ngfiy 31 thfing 03 Mm 2024 (393.251)

Giao djch k? hyn tittn tf44.724.212
Giao djch hota dtti tittn tf50.005.804 (85.388)
210.290
Giao djch hota dtti lfii suit6.282.748
Tttng101.012.764 (268349)

Tyi ngfiy 31 thing 12 nfim 2023 (103.326)

Giao dich lty hyn tien tf70.648.231
Giao djch hota dtti tittn tf33.598.605 (137.775)
174.951
Giao dich hota dtti lai suit6.646.925
(66.150)
110.893.761
Tttng
(•) Tttng gii trj ctia hyp dttng 14 gifi tei duyc quy dtti toeo ty gifi ngfiy hifu lye hyp dttng.

24
 Mfiu si: B05a/TCTD-HN)
NgSn hfing Thirong myi Co phln Tifn Phong (Ban hdnh too thdng tu si 49/2014/IT-NHNN ngdy I
57 Lf Thudng Kift, Qufn Hoan Kifim, Hd Nfi 31/12/2014 cua Thfing tfic Ngtn hdng Nhd nude Vift Nam) j

10. Cho vay khfich hfing 31/03/2024 31/12/2023

Trifu VND
Trifu VND
203.278.992
199.150.532
Cho vay cfic ttt chtic kinh ttt, cfi nhta trong nuftc
781.568
549.070
Cho vay chittt khiu touong phittu vfi cfic giiy tft cft gifi
156.176
60.969
Cfic khota trfi thay khfich Mng 1.361
1.080
Cho vay bfing vttn ffi tiy, tiy thfic diu to
1.067.836 1.043.995
Cho vay dtti vfti cfic ttt chtic, cfi nhta nude ngofii
205.262.092
200.829.487
Tttng
-Phin tich chfit luffng nff cho vay 31/12/2023
31/03/2024
Trifu VND
Trifu VND
195.297.952
190.950.797
Ny dti tiriu chuln 5395.174
5.763.793
Ny cln chti? 1.585.540
1.659.094
Ny dufti tiriu chuln 1.426.187
1.495.060
Ny nghi ngft 1.115.066
1.402.916
Ny cft kM Mng mit vttn 205.262.092
200.829.487
Tttng
-Phdn tich du nff theo thdi gian 31/12/2023
31/03/2024
Trifu VND Trifu VND
81.998.643
77.488.342
Ny ngfin hyn 32.031.909
32.894.584
91.231.540
90.446.561
Ny dfii hyn 205.262.092
200.829.487
Tttng
thick hang va theo loqi hinh doanh nghifp
31/12/2023
31/03/2024
Trifu VND %
Trifu VND %
820.630 0,40
Cring ty TNHH MTV do NM nude sd htiu 803.008 0,40
100% vttn dittu lf 30.229.423 14,73
31.479.602 15,67
Cring ty TNHH khfic
Cring ty ctt phln cri vttn ctt phln ctia NM
nude chittm tirin 50% vttn dittu lf hofc tttng stt 1.205.393 0,59
980.675 0,49
ctt phln cft quyttn bittu quyttt; hofc NM nude
gitt quyen chi phtti dtti vrii cring ty trong Dittu
If ctia cring ty 63.967.853 31,16
64.384.517 32,06
Cring ty ctt phln khfic 2.444 0,00
3.028 -
Cring ty hyp danh 24.060 0,01
29.247 0,02
Doanh nghifp to nhta 586.959 0,28
565.096 0,28
Doanh nghifp cri vttn diu to nuftc ngofii 33.971 0,02
40.558 0,02
Hyp tfic xfi vfi Grin hifp hyp tfic xfi 108.371.153 52,80
102.528.863 51,05
Hf kinh doanh, cfi nhta 0,01
Don vj Mnh chinh sy nghifp, Dflng, dofln itik 0,01 20.206
14.893
vihifphfi 205.262.092 100,00
200.829.487 100,00
Tttng

25
 Mfiu sfi: BOSttiTCTD-HN
NgSn hfing Thirong myi Co phln Tirin Phong (Ban hdnh theo Mng tu sfi 49/2014/TT-NHNN ngdy)
57 Ly Thudng Kift, Qufin Hoan Kifim, Hd Nfi 31/12/2014 cua Thing tic Ngin hing Nhd nude Vift Nam))

- Phdn tich du nff theo ngdnh nghi kinh tfi cia khdeh hdng
31/12/2023
31/03/2024
Trifu VND
Trifu VND
8.399.094 4,09
4.926.037 2,45
Nring nghifp, lfim nghifp vfi thuy sta 2.891.187 1,41
379.448 0,19
Khai khofing 13.976.647 6,81
15.843.248 7,89
Cring nghifp chtt bittn, chtt tyo
Sta xult vfi phta phtti difn, khi dttt, nude 2,39 4.991.892 ?,43
4.794.719
nring, hoi nuftc vfi dittu hfta khring khi 17.170.358 8,37
16.573.049 8,25
10.872.346 5,30
Bta burin vfi bta Iri; stia chtta ri tri, mri tri, xe 14.771.329 7,36
mfiy vfi xe cd dfng co khfic 10.384.611 5,06
12.297.280 6,12
Vfln ffi kho bfii 1.623.304 0,79
1.685.285 0,84
Thring tin vfi tiuyttn thring 14.622.261 7,12
16.216.788 8,07
Hoyt dfng kinh doanh bit dfng sta 11.952.150 5,82
10.808.771 5,38
Hoyt dfng kinh doanh khfic
Hoyt dfng lfim thue cfic cring vifc ttong cfic 108.378.242 '. 2,80
102.533.533 51,06
hf gia dinh, sta xult sta phim vft chit vfi
djch vy ty tiriu dting ctia hfl gia ditto 205.262.092 100,00
200.829.487 100,00
Tttng
11. Dtti vfti sy thay dtti (ting/ giim) cia Dy phring rtii ro tfn dyng
Dy phring cy the Tttngcfng
Dy phringchung Trifu VND
Trifu VND Trifu VND
1.144.888 2.675.990
1.531.102
Stt du diu lty tyi 01/01/2024
1.210.815 1.175.412
Dy phring toi ro trich lfp bong ky/ (Hota (35.403)
nhfp dy phring trong ky) i
(1.149.912)
Dy phring gifim do xti ty cfic khota ny khft (1.149.912)
tou htti bfing nguttn dy phring 2.701.490
1.495.699 1.205.791
Stt du cutti ky tyi 31/03/2024

12. Hoyt dfng mua ny

31/03/2024
Trifu VND Trifu VND
92.757
811.093
Mua ny bfing VND (6.083) (695)
Dy phdng rui ro 92.062
805.010
Tttng
- Gii trj gic, Ml cia cdc khodn nff dd mua
31/03/2024 3 1/12/2023
Trifu VND Yifu VND
92.757
811.093
Ny gttc ctia khota ny mua 92.757
811.093

31/03/2024 1/12/2023
Trifu VND
811.093
P| •rifuVND
92.757
Ny dti tiriu chuln 92.757
811.093

26
 Mfiu sfi: B05a/TCTD-HN
NgSn
57 Lf hing Thuong
Thudng myi Co
Kift, Qufin phln
Hoan TirinHd
Kifim, Phong
Nfi (Ban hdnh too Mng tu sfi 49/2014/TT-NHNN ngdy
31/12/2014 cia Thfing tfic Ngta htag Nhd nude Vift Nam)

- Phdn tich mua nq theo thdi gian 31/12/2023

31/03/2024
7>if VND Trifu VND
92.757
811.093
Ny dfii hyn 92.757
811.093
Tttng
13. Chting khoin din tu 31/03/2024 31/12/2023
Trifu VND
Trifu VND

Chftng khodn sin sdng di bdn 65.211.352

62.019.175
a. Chftng khodn nq 18.483.207
20.609.031
- Chftng khofin Chinh phft 34.571.946
- Chftng khota Ny do cfic ttt chftc tin dyng khfic trong nuftc phfit 32.104.845

hfinh 12.156.199
9.305.299
- Chftng khota Ny do cfic ttt chftc kinh ttt teong nuftc phfit Mnh
180.200
180.200
b. Chftng khodn vfin 180.200
180.200
- Chftng khota Vttn do cfic ttt chftc kinh ttt bong nuftc pMt Mnh
(69.790) (91.172)
c Dqphbng rii ro chftng khodn diu tu sdn sdng de bdn
(69.790) (91.172)
-Dy phring chung 65.300.380
62.129.585
Tttng chftng khofin sfin sing de bfin
Chftng khodn diu tu gift dttn ngdy dio hqn 44.700
44.700
a. Chftng khoin nq 44.700
44.700
- Chftng khota Ny do cfic ttt chftc kinh ttt bong nuftc phat hflnh
44.700
44.700
Trong do: Chftng khoftn nq do DATC phftt hanh
(22.685) (9.275)
b. Dqphbng rui ro chftng khoin dfiu tu gift dttn ngdy dio hqn
(335) (335)
- Dy phring chung trfii phittu DATC (8.940)
(22.350)
- Dy phring cy thtt tefii phittu DATC 35.425
22.015
Tttng chftng khofin diu tu giti dttn ngfiy dfio hyn 65.335.805
62.151.600
Tttng chting khofin diu tu

- Tinh hinh bittn dfng dqphbng cftc khoin chftng khodn dfiu tu trong kf

Dqphdng
Dqphdng Duphdngcq
chung chftng
chung chftng the chung
khoan ddu tu I TAntr
khoin dftu tu khoin dau tu j long
sdn sing df giu dttn ngay garden ngdy
bftn (chftng dfto hqn (Trdi dio hqn (Trii
khodn nq) phiiu DATC) phittu DATC)
Trifu
Trifu ding ding
Trifu ddng Trifu ddng

00.447
Stt dtt diu k? tyi m 335
01/01/2024 9U111 8V
^.972)
Stt dy phring
(hofin tttch ky)
nhfp ttong lfp/ ^213823
(21382) 13 410
1341U -

92.475
Stt du cutti lty tyi
31/03/2024 , 79fl
69-790 22350
22-35 335

27
 Mfiu sfi: B05ttiTCTD-HN)
NgSn hing Thuong myi Ctt phln Tirin Phong (Bta hdnh too ,htagnrsfi49/2014/rr-NHNNned^
Nfi •^^ _ _ • ^ in. a. g- - T/tttt ntnttnlk

-
31/03/2024 31/12/2023
Trifu VND Trie u VND
36.782.945
31.950.088
Ny dft tiriu chuln
44700
Nydttoi tiriu ehuln
44.700
Ny nghi ngft 36.827.645
31.994.788
Tttng

14. TH sin ctt djnh hftu hinh

BanvjtinkTrifuVND
Phuong tifn Thittt bj, TH sin ctt
Mfiy mric, .„ jjt miyen dyngcy
Cflng
djnh khfic
Khoin myc *d!

Nguyrin gii

Stt tfing trong k?

-Tftngtrongkf

-Tftngkhftc

- Thanh lf, nhuqng bin

Stt du cutti lty

Gii trj hao mftn lu? kt

Stt tfing trong k?

-Khau hao trong ky

-Tiing khdc

Stt gifim trong k?

-Thanh If, nhuqng b

Stt du cutti lty

Gifi trj crin lyi

Tyi ngfiy diu lty

Tyi ngiy cutti lty

28
 Mfiu sfi: BOSa/TCTD-HN
NgSn hfing Thuong myi Ctt phin Tirin Phong (Ban hdnh too Mng tu stt 49/2014/TT-NHNN ngdf
57 Ly Thudng Kift, Qufin Hoin Kiim, Hd Nfii 31/12/2014ciaThttngtttcNganhtagNhdnudcViftNam)

15. THsfin ctt djnh vri hinh Dan vj tinh: Trifu VND

Phln mem mfiy tinh Cflng

Khoin myc
886.455
Nguyrin gifi 886.455
sttdudluk? 8.761
8.761
8.277 8277
-Ting trong kf 490 4<fO
-Ting khftc
Stt giflm trong k? 895.216
895.216
Stt du cutti ky
Gifi trj hao mrinlu? ktt 556.979
556.9f79
Sttdudluk? 25.129
25.129
Stt ttag trong k? 24.977
24.977
- Khiu hao trong kf 752 752
-Tiing Hide 582.108
582.108
Stt du cutti lty
Gifi trj crin lyi 329.476
329.476
Tyi ngiy diu lty 313.108
313.108
Tyi ngfiy cutti lty

31/12/2023
16. TH sin Cri khic 31/03/2024
Trifu VND
Trifu VND
482.374
535.023
Chi phi xfiy dyng co h
14.713.713
djnh 15.571.981
Cfic khota phfii tou khfic 79.119
90.836
Cic khoftn phai thu nfi bd 14.634.594
15.481.145
Cic khoan phai thu ben ngofti 3.867.722
3.554.458
Cic khota lfii vfi phi phfli tou (90.028) (90.000)
Dy phring rfti ro cho cfic ffi sfin c6 khfic 4.681.800
4.597.009
Tfii sta Cri khfic 23.655.609
24.168.443
Tttng
- Dqphbng rtii ro cftc til sin Cft nfi bang khdc
Dy phring
Trifu VND
90.000
Stt du diu lty tyi 01/01/2024 28
Ttag khfic ttong k? 90.028
Stt dn cutti ky tyi 31/03/2024
17. Cic khoin ny Chinh phfi vfi NHNN
31/03/2024 31/12/2023

Trifu VND Trifu VND

24.604 145
Tittngfti 24.604 745
Tittn gui bfing VND 316.177
38.275

Tittnvay 338.275
316.177
Vay theo hi satin dqng 338.420
340.781
Tttng
29
 Miu sfi: B05ttiTCTD-HN
NgSn hfing Thuong myi Co phln Tirin Phong
(Ban hdnh too Mng to si 49/2014/TT-NHNN ngdy i
57 Lf Thudng Kift, Qufin Hoan Kiim, Hd Nfii 31/12/2014 ctta Thttng dttc Ngta hdng Nhd mric rift Nam)

18. Tiin, ving gfti vi vay cfic TCTD khic

31/03/2024 31/12/2023
Trifu VND
Trif u VND
66.911.903 62.399.297
Tiin gtii cfic TCTD khfic 13.456.597
16.347.643
Tiin gfti khring k? hyn 73.456.597
76.347.645
-Bfing VND 48.942.700
50.564.260
Tiin gfti cri k? hyn 49.571.700 48.942.700
-Bfing VND i-
992.560
Bfing ngoqi tf
Vay cic TCTD trong nuftc, cfic ngSn hfing nuftc ngofii, chi 1.744.086 1.484.422
nhfinh ngfin Mng nutic ngofii khfic tyi Vift Nam
1.634.422 1.484.422
-Bfing VND
109.664 -
-Vay chittt khfiu GTCG bfing VND 1.213.000
930.525
Vay cfic TCTD tyi nutic ngofii khic 1.213.000
930.525
-Bfing ngoqi tf
Vay cic TCTD trong nutic, cfic ngSn hfing nutic ngofii, chi 11.699.449
11.827.161
nhfinh ngSn hfing nutic ngofii khfic tyi Vift Nam cho myc
dich tii try thuong myi 6.042.454
5.630.622
-BfingVND 5.656.995
6.196.539
-Bfing ngoqi tf
Vay cfic TCTD tyi nutic ngofii khic cho myc dich tfii try 11.067.177 7.169.529

thuong myi 11.067.177 7.769.529

-Bfing ngoqi tf 83.965.697
92.480.852
Tttng
19. Tiin gtii ctia khfich bfing
- Thuyttt minh theo kf hqn vdloqi tittn gfti
31/03/2024 31/12/2 923
Trifu VND Trifu VND

43.684.196 44.038.415
Tiin, vfing gtii khring ky hyn 38.829.393
37.602.533
-Tiin gtii khring k? hyn bing VND 5.209.022
6.081.663
144.167.752 161.027.834
Tiin, ving gtii cri lty hyn 158.800.197
142.284.513
- Tiin gfti cft k? hyn bing VND 2.227.637
1.883.239
26.643 14.269
Tiin gtii vttn chuyfin dftng 3.181.042
2.948.767
Tiin gfti lty qu? 208.261.560
190.827.358
Tttng

30
 Mfiu si: BOSa/TCTD-,•fflVl
NgSn hfing Thirong myi Co phln Tirin Phong (Ban hdnh too Mng to stt 49/2014/TT-NHNN ngdj
57 iy Thudng Kift, Qufin Hodn Kifim, Hd Nfi 31/12/2014 da Thing die Ngta htag Nhd rnrdc Viit Nam)

Thuyit minh theo dii tuqng khdeh hdng, loqi hinh doanh nghifp
31/12/2023
31/03/2024
Trifu VND %
Trifu VND %
8.971.409 4,31
C5ng ty TNHH MTV do NM mtoc 9.382.632 4,92
sft httu 100% vttn diiu lf 29.794.176 14,31
29.604.219 15,51
Cring ty TNHH khta
Cring ty ctt phln cft vttn ctt phln cfta
^M nuftc chittm tirin 50% vttn dieu ty
1.270.285 0,61
lofic tttng stt ctt phln cft quyttn bittu 1.556.010 0,82
quyttt; hofc NM nude gift quyttn chi
phtti dtti vdi cring ty trong Dittu lf cia
55.979.219 26,88
cring ty 38.517.255 20,18
Cring ty ctt phln khfic 0,00 2.271 -
580 ojio
Cring ty hyp danh 0,11 212.489
204.048
Doanh nghifp to nhta
1,78 3.307.782 1J59
Doanh nghifp cft vttn diu to nuftc 3.390.108
456.751 0,22
ngofii 468.666 0,25
Hyp tfic xfi vfi lirin hifp hyp tfic xfi 106.757.017 51,26
106.361.250 55,74
Hf kinh doanh, cfi nhta 0,71
0,68 1.483.926
Don vj hfinh chinh sy nghifp, Dfing, 1.288.685
dota thtt vfi hifphfi 26.235 0,01
53.905 0,03
Khfic 208.261.560 100,00
190.827.358 100,00
Tttng cfng
20.Vttn tii try, fly thfic din tu, cho vay TCTD chju rui ro
31/03/2024 31/12/2023
Trifu VND Trifu VND

75.569 74311
Vttn nhfn cfta cta ttt chftc, cfi nhta trong nude khfic bfing VND
75.569 74.311
Tttng
21.Phfit hfinh giiy trir cft gifi
31/03/2024 31/12/2023
Trifu VND Trifu VND

31.811.700 24.216.700

Bfing VND (433)

(336)
Chitttkhiu 24.216367
31.811364
Tttng
|
- Thuyet minh mfnh gid theo kf hqn Tttng
Trfii phittu ghi stt Chftng chi tien gfti

7Vifu VND Trifu VND

Trifu VND
Giiy tft cft gifi c6 k? hyn dttn 366 ngfiy 10.600.000
10.600.000
. •
-Bfing VND I
Giiy tft cft gifi c6 k? hyn tft 367 ngfiy dttn i
1826 ngfiy 14.249.000
14.249.000 -
-Bfing VND j
Giiy tft cft gifi c6 k? hyn trrin 1826 ngfiy 6.962.700
6.962.700 -
• Bfing VND 10.600.000 31.811.700
21311.700
Tttng

31
 Mfiu si: BOSu/TCTD-HN
NgSn hftng Thirong myi Co phln Tirin Phong
(Ban hdnh theo Mng to stt 49/20I4/IT-NHNN ngfiy
57 Ly Thudng Kift, Qufin Hoan Kifim, Hd Nfii 31/12/2014 cia Thttng dttc Ngta hdng Nhd nude Vift Nam)

22. Cic khoin ny khftc 31/12/2023

31/03/2024
Trifu VND Trifu VND
4.978.734.
4.209375
Cta khota lfii, phi phfii trft 1.989.916J
1.666.627
Cta khota phfii trft vft cring ny khta 1.979.914)
1.656.425
Cac khoan phai tra khac w.ooi
10.202
Quf khen thudng phuc lqi
5.876.002 6.968.650
Tttng

32
 a
i
l^
Nil
•PI
•N
1
ft*
Ii
I.
2
3
•a8
Sf
•fr
11 tt
ftT c *
IIs
^ 1ft
v
1 ttn
V
11 s
4^
Z, <n
is •o
 Mfiu sfi: BOSa/TCTD-HN
NgSn hftng Thirong myi Co phln Tirin Phong
(Bta hdnh too Mng to stt 49/2014/IT-NHNN ngdy i
57 Iy Thudng Kift, Qufin Hodn Kifim, Hd Nfi 31/12/2014 cua Thttng dttc Ngta htag Nhd nude Vift Nam);

- Chi tifii ci phiiu cda Ngdn hdng nhu sau:

1
31/03/2024 31/12/2023
ctt phittu
ctt phittu
2.201.635.009
2.201.635.009
Stt luyng ctt phittu Mng ky phfit Mnh 1
Stt luyng ctt phittu dfi bta ra cring chftng 2.201.635.009
2.201.635.009
-Cd'p/iittup/idr/idng
r
-
-Cd phiiu uudai j
Stt luyng ctt phittu duyc mua lyi TO
-
- Cd phifu phi thdng
f-
-
-C6phiiu uudai i
Stt luyng ctt phittu dang luu Mnh 2.201.635.009
2.201.635.009
-Co phieu phi thdng -
-
-C6 phieu uudSi 10.000
10.000
Mfnh gifi ctt phittu dang luu hfinh (dttng)

24. Thu nhfp UU vft cftc khoin thu nhfp tuong ty

Tti 01/01/2024 dttn Tti 01/01/2023 dttn
31/03/2023
31/03/2024
Trifu VND
Trifu VND
(Trinh bay lqi)
62.281
65.757
Thu nhfp tft ISi tittn gfti 5.296389
5.125.720
Thu nhfp tft lfii cho vay 1.081.862
871.043
Thu lfii tft kinh doanh, diu to chftng khota Ny 328.898
281368
Thu khta tft hoyt dfng tin dyng 320.978
281.368
Trong dd: Phi lien quan din tin dqng 126.417
186.576
Thu tft nghifp vy bta lfinh 3.598
2.988
Thu nhfp lfii to nghifp vy mua bta ny 6.899.345
6.533.452
Ting
25. CM phi IH vft cic khoin chi phi tuong ty
Tti 01/01/2024 dttn Tti 01/01/202.Idttn
31/03/2023
31/03/2024
Trifu VND
Trifa VND
3.196.721
2.130.850
Trft lfii tiin gtii 412.383
347.816
Tri lfii tiin vay 206.870
378.841
Trfi ISi phfit hfinh giay tft cft gii 162.415
248.559
Chi phi hoyt dfng tin dyng khta 3.978389
3.106.066
Tttng

34
 Mfiu si: BOSa/TCTD-HN
Ngftn hftng Thuong myi Co phln Tirin Phong (Ban hdnh too Mng to stt 49/2014/TT-NHNN ngdy
57 Lf Thudng Kift, Qufin Hoan Kifim, Hd Nfi 31/12/2014 cua Thttngdttc Ngta htagNhd nuta Vift Nam)

26. LJt/lo thuin tti hoyt dfng djch vy Tti 01/01/2023 dttn
Tti 01/01/2024 den
31/03/2023
31/03/2024
Trifu VND
Trifu VND (Trinh bay lqi)
704.765
946.834
288.918
Thu phf djch vy 405.602
-Hoyt dfng thanh tota 1.457
1.436
-Hoyt dfng ngta qu? 116.625
-Dich vy kinh doanh, djch vy bta hittm vft to vln 123.132
297.765
416.664
-Thu phi djchvy khta (193.108)
(231.708)
Chi phf djch vy lien quan (118.606)
(142.100)
-Hoyt dfng thanh tota (33.934)
(26.590)
-Cuftc phi buu difn vh myng viin thong (2.884)
(3.916)
-Hoyt dfng ngta qu? (1.100) (111)
-Djch vy to vln, fly tota vft dyi ty (37.573)
(58.002)
-Chi phi djchvy khta 511.657
715.126
Ui/ ltt thuin tti hoyt dfng djch vy
1
27. Ui/ltt tti hoyt dfng kinh doanh ngoyi htti
Tti 01/01/2023 dttn
Tti 01/01/2024 dttn
31/03/2023
31/03/2024
Trifu VND
Trifu VND
366.555
Thu nhfp tti hoyt dfng Mnh doanh ngoyi htti 317.336
89.819
1.213
-Thu tft Mnh doanh ngoyi tf giao ngay vft vtag 276.736
316.123
-Thu to cta cring cy ffi chinh phfii sinh tittn tf
(215.566)
Chi phi hoyt dfng Mnh doanh ngoyi htti (234.093)
(10.208) (146)
(215.420)
- Chi vtt cta cring cy ffi chinh phfii sinh tittn ty (223.885)
150.989
Ui/ ltt thuin tti hoyt dfng Mnh doanh ngoyi htti 83.243

I
28. Ui/lo thuin tti mua bin chting khoin Mnh doanh
Tti 01/01/2023 dttn
Tti 01/01/2024 dttn
31/03/2023
31/03/2024
Trifu VND Trifu VND
719 -
Thu nhfp tft mua bta chting khota kinh doanh
-
CM pM vh mua bta chting khota kinh doanh
(16)
Hota nhfp/(CM phi) dy phftng toi ro chting khota kinh (6) -

doanh
Lfii/ ltt thuin tti hoyt dfng mua bin chting khofin 697
kinh doanh
29. Ui/lo thuin tti hoyt dfng mua bfin chting khoin diu tu
u
Tti 01/01/2023 dttn
Tti 01/01/2024 dttn
31/03/2023
31/03/2024
Trifu VND Trifu VND
43.793
524.967
Thu nhfp tti mua bta chting khota diu to
(57.785) ( 8.209)
CM pM vh mua bta chting khota diu to 8.634
Hota nhfp/(CM phi) dy phftng rti ro chting khota diu to 7.972
Ui/ ltt thuin tti hoyt dfng mua bfin chting khofin diu 34.218
475.154

tu

35
 Mfiu sfi: B05u/TCTD-HN
NgSn hftng Thirong myi C& phin Tirin Phong
(Ban hdnh too thtag to stt 49/2014/TI-NHNN ngdy
57 Lf Thudng Kift, Qufin Hodn Kifim, Hd Nfii 3111212014 cua Thttng dttc Ngta htag Nhd nude Vift Nam)

I
30. Ui/lo thuan tti hoyt dfng khfic Tti 01/01/2023 dttn
Tir 01/01/2024 den
31/03/2024 31/03/2023
Trifu VND Trifu VND
185.811
222.614
Thu nhfp tti hoyt dfng khic
- Thu tti cta khota ny dfi duyc xti ty xofi, bft dip bing 45.663
87.921
nuufnrtii ro 140.148
ii^^vi^ ^ux iv 134.693
- Thu tti hoyt dfng kinh doanh khta (144.565)
(239.053)
Chi phi Grin quan dttn hoyt dfng khfic -
- CM tti thanh ty, nhuyng bta ffi sta ctt djnh (3)
(239.050) (144.565)
- CM pM lirin quan dttn hoyt dfng kinh doanh khta
41.246
(16.439)
Lfii/ ltt thuin tti cfic hoyt dfng Mnh doanh khfic

31. Chi phf hoyt dfng

Tti 01/01/2024 dttn
1
Tti 01/01/2023 drin
31/03/2024 31/03/2023
Trifu VND
Trifu VND
199 841
CM nfp toutt vfi cta khota pM, ty pM 951.337
1.093.879
CM pM cho nhta virin 892.767
1.024.334
- Chi luong vd phq cfip 30.977
41.866
- Cdc khodn chi dong gftp theo luong 72.384
7.094
- Chi trq cfip, y ti cho CBNV 75.875
20.585
- Chi khdc cho nhftn vifn 260.166
271.150
Chive tfii sfin 86.214
79.205
Trong dft: - Khfiu hao tfti sftn cfi dinh 333.446
270.766
CM cho hoyt dfng quta ty cdng vy 33.299
39.779
CM nfp pM bfio Mttm, bfio dfim tittn gtii ctia khtah Mng
1.579.089
1.675.773
Tttng
1
32. Chi phi dy phring rtii ro tta dyng Tti 01/01/2023 dttn
Tti 01/01/2024 dttn
31/03/2024 31/03/2023
Trifu VND Trifu VND
315.473
1.175.412
Trich lfp dy phftng cho vay khtah Mng (497)
5.388
Trich lflp/(Hofin nhfp) dy phftng cho hoyt dfng mua ny 314.976
1.180.800
Tttng
33. Tiin vfi tuong duong tiin
31/03/2024 31/12/2023
Trifu VND
Trifu VND
3.421.333
1.789.390
Tiin mft vfi cta khota tuong duong tiin ffi qu?
8S82.501
11.378.128
Tiin gtii ffi Ngta hfing NM nutic
Tiin, vfing gfti ffi cta ttt chtic tin dyng khta (gttm khftng kf 23.127.945
17.767.921

hqn)
Tiin, vtag gtii ffi cta ttt chtic tta dyng khta (cd ky hqn 23.652.345
15.650.000

khftng quft 92 ngay)

Chting khota cti thfti hyn tou htti hofc dfio hyn khftng qufi
i
90 ngfiy ktt tti ngfiy mua 54.587.784
51.181.779
Tttng

36
 Mfiu sfi: BOSaTCTD-HN
NgSn hftng Thuong myi Co phln Tirin Phong (Ban hdnh too thtag to stt 49/2014/TT-NHNN ngdy I
57 Lf Thudng Kift, Qufin Hoan Kifim, Hd Nfi 31/12/2014 cua Thttng die Ngta htag Nhd nude Vift Nam)

34. Cic cam kttt Sira ra

34.7 Ui/phicko vay vi phiphai thu chua thu duqc
31/12/2023
31/03/2024
Trifu VND
7>if VND
1.146.797
1.152.370
Lii cho vay chua tou duyc 39.783
39.783
Lfii tifii phieu chua tou duyc 1.186.580
1.192.153
Tttng
34.2 Nq khi dbidd xft 7? 31/12/2023
31/03/2024
Trifu VND 7Wf VND
9.672.909
Ny gttc ctia khota ny/phfil tou dfi xti ty toi ro dang trong 10.757.327

tofti gian toeo drii 7.551.926

Ny lfii ctia khota ny di xti ty rtii ro dang trong tofti gian 7.941.421

toeo drii 17.224.835

18.698.748
Tttng
34J Tdt sin vd chftng tit khdc
31/12/2023
31/03/2024
Trifu VND Trifu VND
572.904
529.896
Kim loyi qu?, dfi qu? gift hf 108.973
94.733
Tfii sta khta giti hf 6.041.541
5.920.109
Tfii sta touri ngofii 50.451.458
56.995.117
Cta chting tft c6 gifi tij khta dang bta quta
57.174.876
63.539.855
Tttng
35. Chtah sich quftn ty rfti ro;
Djnh hudng cfta TPBank lft trft thflnh mft ttt chtic ffi chtah da nfing. Do vfy, vifc sti dyng cta cfng cy ffi

chinh, bao gttm huy dfng vttn tti khtah Mng (bfing sta phim tittn gtii vfi phfit Mnh giay tft cft gifi) vfi diu to vflo
cta ffi sta ffi chinh cft chit luyng cao dfi tift thflnh hoyt dfng mang tinh then chttt gitip TPBank dyt duyc mtic
chfnh lfch lfii suit cln toittt. Xrit tti kMa cynh quta ty rtii ro, TPBank phii duy tri co ciu danh myc ffi sfln, cfing

ny vfl nguttn vttn (bao gttm cta khota myc nfi btag vft ngoyi btag) vl myc tiriu an tofln, giflm toittu toi ro ttong
hoyt dfng ngta Mng. Brin cynh dft, TPBank toyc hifn diu to vfio cta chting khota My dp tin dyng cho cta ngta

Mng khta. Nhting rtii ro lirin quan dttn trao dtti ngoyi tf vfi toay dtti lfii suit duyc quta ty thong qua fip dyng hyn

bfing iin nhau dtt gifim titittu rtii ro. Thfng qua vifc nfim gift nhittu ffi sta lfi cta cring cy ffi chinh cft chit luyng

cao, co ciu bta cta tinh Mnh ffi chinh hyp nhit ctia TPBank cri dti kM ntag phring ngfta rtii ro tiyng yttu bong
qufi trinh hoyt dfng Mnh doanh vfi dfim bta kM nfing toanh khofln. Thrim vfio dri, TPBank cting tham gia vflo nMttu

giao djch phftng ngtia rtii ro Grin quan dttn cta cring cy ffi chinh nhu cta cam kttt hota dtti cho myc dich quta ty
rtiiro.|

Trong qufi trinh quta ty toi ro tin dyng, TPBank dfi sti dyng cri Mriu qufi cta vfin bta quy djnh, teong dft gM cM
tittt cta chinh sfich vfi toti tyc cho vay cftng nhu cta hudng din toyc hifn dtt chuln hfta cta hoyt dfng tin dyng ctia

TPBank. Rtii ro toanh khota duyc hyn chtt thong qua vifc nfim gift mft stt luyng tittn mft vfi cta khota tuong

37
 Mfiu sfi: B05a/TCTD-HN
NgSn hftng Thuong myi Co phln Tirin Phong
(Ban hdnh too Mng to si 49/2014/TT-NHNN ngdy
J 7 Ly Thudng Kift, Qufin Hodn Kifim, Hd Nfi 31/12/2014 cua Thttng die Ngta hdng Nhd nude Vift Nam)

duong tittn dutii dyng ffi khota Nostro ti mtic df hyp ty, cta khota tittn gtii tyi Ngta Mng NM nutic vft cta ttt
chtic tin dyng khta vft cta giiy tti cti gifi. Cta ty ty an tota cti tinh dttn yttu ttt toi ro cftng duyc sti dyng dtt quta ty
toi ro thanh khofin. TPBank touting tittn hfinh dfinh gifi chrinh lfch lfii suit, so sfinh vdi cta thj truting teong nutie

vfi quttc ttt dtt cti nhftng dittu chinh kjp toil. Thrim vfio dti, vifc fip dying cta quy trinh quta ty rtii ro nfi bf cftng
tto nrin Mfiu qui hon nhti vifc trittn khai Hf tottng Quta ty Vttn Tfp trang vfi Hf tottng Thanh tota Tfp trang, toeo
d6 tofin bf eta giao djch vttn vfi thanh tota ctia Ngta Mng dttu do Hfi sti chinh toyc Mfn. Vifc dti cho phrip
TPBank gifim sfit Mfu qufi hon cta bittn dtti vh vttn vfi gifim cta sai stit cti thtt xfiy ra cftng nhu nhftng thu tyc phtic

35.1 RAiro tifin tf\

Rui ro tittn ty 14 rfti ro mfi gifi trj ctia cta cring cy ffi chtah bj tMy dtti xult phfit tft nhftng tMy dtti v! ty gii
TPBank duyc tofinh lfp vfi hoyt dfng tyi Vift Nam vtii dttng tittn Mo cta 14 VND. Trong kM dti co ciu ffi

sta-nguttn vttn ctia Ngta hfing bao gttm mft phln bing ngoyi ty (bao gttm USD, EUR...), do dti cti tott phfit sinh

rtii ro tittn ty.\

-Rtii ro tittn ty trong hoyt dfng huy dfng vttn vfi cho vay

-Rtii ro tittn ty trong hoyt dfng diu tu

TPBank df dua ra mft hf tottng hyn mtic dtt quta ty tryng thfii ctia cta dttng tittn. Tryng thfii dttng tittn duyc

ctia cta dttng tittn duyc duy tri trong hyn mtic (^^ toittt lfp.

38
NgSn hfing Thuong myi Ctt phln Tirin PhongMfiu sfi: BOSa/TCTD-HN
57 Lf Thudng Kift, Qufin Hoan Kiim, Hd Nfii(Bm hdnh too Mng to stt 49/2014/TT-NHNN ngdy
31/12/2014 cua Thttng die Ngta htag Nhd nude Vifl Ntmj)

35.2 Rfliro Hi suit

Rtii ro lfi suit lfi rtii ro kM ntag tou nhfp hofc gift trj ffi sta ctia TPBank bj finh huftng kM Hi suit trrin thj

truftng
Rtiibittn
ro ISidfng.
suit ctia TPBank cft to! xult phfit tti hoyt dfng diu tu vfi hoyt dfng huy dfng vttn vfi cho vay.
Thfti hyn djnh lyi ISi suit toyc ttt lfi tofti hyn cftn lyi tinh tti tofti dittm lfp bta cta ffi chinh cho tfti k? djnh lyi
ISi suit gin nhit ctia cta khota myc ffi sta vfi nguttn vttn. Cfic gifi djnh vfi dittu kifn sau duyc fp dyng trong
phta tich tofti hyn xta djnh lyi lai suit toyc ttt ctia cta ffi sta vfi cring ny ctia TPBank:|
-Tittn mft, vfing bye, dfi qu? vfi cta ffi sta cri khta (bao gttm ffi sta ctt djnh, bit dfng sfin din tu vfi ffi sta 06

khta) duyc xttp loyi 14 khota myc khring chju ISi;!

-Tittn gtii ffi Ngta Mng NM nuftc Vift Nam duyc xttp loyi lfi tittn gtii thanh tofin, do dft k? hyn djnh ffi ISi
suit toyc ttt duyc xttp loyi dttn mft thtag;i
-Thfti hyn djnh ffi ISi suit ctia chftng khota diu tu duyc tinh dya trrin thdi gian dfio hyn toyc ttt tinh tft tofti

-Thfti hyn djnh ffi ISi suit thyc ttt ctia khota myc pMt hfinh giiy tft cft gift duyc tinh dya trrin tofti gian dfio
hyn toyc ttt ctia tting loyi giiy tft cft gifi nttu giiy tft cft gifi c6 ISi suit ctt djnh hofc dya terin tofti hyn djnh gifi
ffi lai suit nttu lfi ISi suit tMntti;!
-Thfti hyn dinh ffi ISi suit toyc ttt ctia cta khota tittn gtii vfi cho vay cta TCTD; cta khota cho vay khtah
Mng; cta khota ny Chinh phti vfi Ngta Mng NM nuftc Vift Nam; cta khota tittn gtii vfi vay cta TCTD vfi
khota myc tittn gtii ctia khtah hfing, khota myc phfit Mnh giiy tft cft gifi, cta khota myc nguttn vttn ffi try,

tiy thta diu tu, cho vay TCTD chju rtii ro duyc xfc djnh nhu sau:I
•Cta khota myc cft Hi suit ctt djnh trong suttt tofti gian cfta hyp dttng: Thfti hyn djnh ffi ISi suit toyc ttt
dya trrin tofti gian dta hyn toyc ttt tinh tti tofti dittm lfp bta cta ffi chinh;|
•Cta khota myc cft ISi suit tMntti: Thfti hyn djnh ffi ffi suit toyc ttt dya trrin k? djnh ffi ISi suit gin nhit

tinh tti tofti dittm lfp bta cta ffi chinh.

Chinh sach Wx sufit cua TPBank
Ban Diiu Mnh djnh k? rfi sofit rtii ro tittm tfing ctia Ngta Mng teong btti cfinh Mnh ttt vf dittu kifn kinh doanh
Mfn Mnh, tfp trung vfio toi ro ffi suit vfi rtii ro thj traftng. Ban Dittu Mnh cln co ciu ffi sta - nguttn vttn vfti

hyn mtic vfi quy djnh dft ra.

Do Thfng tu 210 khong huftng din cy thtt vi cfich touc toyc Mfn phta tich df nhyy ffi suit nrin TPBank chua

toyc Mfn vifc trinh My cta thong tin My.

40
 ;s 8 8 9!
i 13*3
vi ri pi oi
8 <s is ^
^^. ^3
© '
3 ^^ ^ s
1^ >Oty
m© vi
•S
•s
•I
3 O 3\ N
Vl 00 CS
Oi
&t
^i ^ I
r- v— v)
o it o "^ S
S SS ^ ^
^ 3^ ^J IP
I3
fl s
o
96.
g
U m
I
"8 "2
U,
S^
bo k.
i
•i -s-sl
• 1 33
I^i 1 e g^
^f •5
^!•!
le ^ s e s m .8 o .8 ". „ 8 Si „ s e „ •^ as = ?
•5 51
fa O H
li^^iiii ^ f ^a
Ngan hftng Thuong myi Co phan Tirin PhongMfiu si: B05a/TCTD-HN
57 Lf Thudng Kift, Qufin Hoan Kifim, Hd Nfi(Ban hdnh too Mng to si 49/2014/IT-NHNN ngdy
31/12/2014 cia Thing die Ngta htag Nhd nude Vift Nam)

35^ Rfti rotoanh

Rui ro thanhkhota
khoin14 rti ro TPBank gfp khfl khta teong vifc toyc Mfn nhting ngMa vy thanh tota cho cta

cdng ny ffi chinh. Rfti ro thanh khota phfit sinh kM Ngta htag cri thtt khring dft kM ntag toyc Mfn nghia vy tef
ny kM nhting cring ny My dttn hyn ft nhting tofti dittm Mnh touftng hofc khft khfin hofc Ngta hfing phfii chip

TPBank dS ban hfinh Quy dinh vfi quy trinh vk quta ly rfti ro thanh khota trong dft tMttt lfp quy djnh vk

vifc quta 1? khe hd thanh khota toeo cta thang k? hyn, cta cht stt do luring nii ro toanh khofin, cta kjch bta

cfing thing thanh khofin, xay dyng ktt hoych dy phftng thanh khota dtt chft dfng cta bifn phfip xti ty trong tinh
huttng thj traftng cft bittn dfng. Dtt gifim toittu rui ro thanh khofin, TPBank chti traong da dyng hfta nguttn vttn

huy dfng cung nhu xfiy dyng hf tottng bta cta cta dtti vttn dtt tinh tota tryng thfii thanh khota Mng ngfiy ctia
TPBank, dttng tofti touftng xuyrin cft bta cta phta tich, dy bta vk tinh Mnh thanh khota teong tuang ffi, tMttt

lfp khiu vj vfi hyn mtic toi ro thanh khofin.|

Djnh ky Mng thfing, ffi cufc hyp Hfi dttng ALCO, tinh Mnh cta dtti vttn vfi thanh khota ctia TPBank lfi
mft teong nhting nfi dung tryng tfim duyc tofio lufn. Dttng tofti, ffi cufc hyp Hfi dttng QLRR Mng tuln, tinh

Mnh tuta toti cta cM stt hyn mtic toi ro thanh khota duyc rfi sofit vfi bta cta. Trrin co sft phta tich, dfinh gifi, Hfi

dttng ALCO/Hfi dttng QLRR dua ra khuyttn nghi tfti Ban ISnh dyo dtt cft cM dyo trong tofti gian tfti dfim bta duy

tei ttti uu kM nSng cta dtti thanh khota an tofin vfi Mfu qufi cua TPBank.
Ngofii ra, TPBank cftn duy tri danh myc Tfii sta dy tto toti dp lfi tefii phittu Chinh phti, cft tott bta hofc repo
vfti Ngta Mng NM nuftc, dfiy lfi nguttn vttn toti dp dtt phftng traftng hyp ctag thing thanh khota (nttu phfit
sinh), dttng tofti lfi nhftng khota diu tu sinh lrii, gftp phln ffi tiy vttn cho cta dy ta tryng dittm quttc gia. Thfti

gian dta hyn ctia cta ffi sta vfi cring ny tott Mfn tofti gian cdn ffi ctia ffi sta vfi cring ny tinh tti ngfiy lfp bta cta
ffi chinh rieng dttn kM thanh tota toeo quy djnh trong hyp dttng hofc bong dittu khota phfit Mnh.|

Cta gifi djnh vfi dittu kifn sau duyc fip dyng bong phta tich tofti gian dta hyn ctia cta ffi sta vfi cdng ny

ciia Ngta hfing:I

ll

-Cta khota tittn gtii vfi cho vay cta TCTD khta, cta khota cho vay khtah Mng, cta khota chting khota diu

tu, cta khota vay tti Chinh phti vfi Ngta hfing NM nuftc, cta khota tittn gtii vfi vay cta TCTD khta, cta
khota phfit Mnh giiy tft cft gifi, cta nguttn vttn ffi tiy, tiy thta diu tu mfi TCTD chju rtii ro: Thfti gian dttn

hyn duyc xta djnh dya vta ngfiy dttn hyn toeo hyp dttng quy djnh;I
-Thfti gian dttn hyn ctia chting khota kinh doanh duyc tinh trrin cy sd tofti gian kM toi dtt chuyttn dtti tefii phittu

thfinh tittn mft do danh myc My bao gttm cta trfii pMttu cft tinh thanh khota cao;
-Thfti gian dttn hyn ctia tittn gtii khtah Mng duyc xta djnh dya trrin tofti hyn dttn hyn toyc ttt ctia khtah Mng

vfl cta dy bfio vecMnh sfich lfii suit vfl cfic yttu to kinh ttt vl mo.

42
11
35
I %
VY •^ S3S
fa VI 2 C^^IN
©c^t-
a1 ^ci©
I
^I
b gftg
© -- Oi
tei HI N
^- Cl00
SS i
00 ^ ^^
22 I iSI
^ta OB ^" ^ ^ r^
a
11 -si s
&
I! Jfl
-^ t
fafro
"S' ^.iJ!^•
CT" ••;
& 1 • ^^
^ -O on B
i 1 -2
it Is 1
^••Hos
^ Hi^
^^
IS
 Mfiu sfi: BOSa^^CTD-HN
Ngftn hftng Thuong myi Co phin Tirin Phong
(Ban hdnh too thtag to si 49/2014/TT-NHNN ngdy
577.? Thudng Kift, Qufin Hoan Kifim, Hd Nfi
31/12/2014 cua Thttng dttc Ngta hdng Nhd nude Vift Nam)

36. Hyp nhit kinh doanh

Ngfty 30 thfing 01 nfim 2024, Ngta Mng dfi g6p vttn, mua tota bf 7.500.000 ctt phln tti dyt phfit Mnh

tiring Iri cfta Cring ty Ctt phln Quta ty qu? Vift Cfit vdi gift 10.000 dttng/ctt pMttu, tuong duong vdi ty lf sd
hOu 75%. Theo dft, Cfng ty Ctt phln Quta ty Qu? Vift Cfit chinh totic tto thfinh cring ty con cia Ngta Mng
ktt tft ngfty 30 thtag 01 nSm 2024 toeo luft djnh. Vifc My cri finh taring tfti ffi sta vfi ny phfii trfi cfta TPBank

ffi ngfiy mua nhu sau:

Cftc diin chinh Gift trj ghi nhfn tyi
Gift trj ghi sri tyi
gift trj hyp ty thfti diem mua
thfti diem mua Trifu VND Trifu VND
Trifu VND

33
Tittn mft, vfing bye, dfi qu? 33
95.380
Tittn gtii vfi cho vay cta ttt chtic tin 95.380
dyng khta (•)
102 4.231
4.231
Chting khota kinh doanh
| 31
Tfii sta ctt djnh htiu hinh 31
330
Tfii sta ctt djnh vri Mnh 330
722
722
TH sta cri khta
(651)
Cta khota ny khta (651)
TH sta vfi ny pMi trfi thuin 102 100.177
100.075
cri tott xta djnh duyc
LH phfit sinh tti vifc mua ffi 133
25.044
Lyi ich ctia ctt dring thittu stt
75.000
Giofin tittn thanh tota thuan
(*) Sft tiin da bao gftm khodn 75.000 trifu dftng Ngftn hang chuyin tiin gftp von, mua cfi da Cftng ty Cft

phfin Quftn if quf Vift Cdt tqi Ngftn hdng Dau tu vd Phdt trifin Vift Nam tqi ngdy 30/01/2024.j

tu
qu? Vift Cftt ffi ngfiy mua lfi 133 trifu VND duyc hych tota teong tou nhfp khta.j
Ngfy 28 thtag 03 Mm 2024, Ngta htag mua ffi 2.490.000 ctt phln tti cta ctt dring Mfn httu ffi Cring ty
Ctt phln Quta ty qu? Vift Cfit, ntag stt luyng ctt phln nim gitt lfn 9.990.000 ctt phln, tuong duong vfti ty lf

sft httu 99,9%.

44
 Mfiu si: BOSa/TCTD-HN
Ngfn hing Thuomg myi Co phln Tirin Phong
(Ban hdnh too Mng to stt 49/2014/tT-NHNN ngdf
57Lf Thudng Kift, Qufin Hodn Kifim, Hd Nfi
31/12/2014 cua Thing dttc Ngta htag Nhd nude Viit Nam,

37. Ty gift mft stt ngoyi ty vio thfti dilm cutti k?

31/03/2024 31/12/2023
Loyi tiin VND VND
16.206 16.572
AUD 18.308 18.413
CAD 27.814 29.159
CHF 3.471 3.453
CNY 26.865 26.982
EUR 31.293 30.997
GBP 3.203 3.13J
HKD 17E
164
3PY 18.390 18.3 IS
SGD 24.814 24.260
USD 8.000.000 7.520.000
XAU

Phri duyft bio cfto tii chfnh

Bta cta ffi chinh duyc Ban Diiu Mnh phf duyft vfio ngfiy 25 toflng 04 Mm 2024.

nguySnlAmhoAng
NG6THjANHTUY^T LficAMTti
Gidm doe Khoi Tdi chinh
TP.Phong Bdo cfto tdi chinh Ki toftn truang

45