CONG TY CP BAO HIEM NGAN HANG NONG NGHIE,P

SO:0,5-/2016/BC-ABIC-DT

CQNG HOA XA HQI CHU NGHiA VIET NAM Dc 1p — Tv do — 14.nh pink

Ha nói, ngay thang 04 nam 2015

I. 1.

BAO CAO THUbNG NIEN/ANNUAL REPORT Ten Cong tylNarne of Company: Cling ty ca phan btio hiêm Nglin hang Nong nghiep

Nam bao cao/Year: 2015

Thong tin chung/ General information Thong tin khai gnat/ General information Ten tieng viet: Cong ty cô phan bao hiem Ngan hang Nong nghiep Ten giao dich: Bao hiem Agribank Giay chirng nhan kinh doanh so: Giay phep dieu chinh gan nhat so: 38GP/GPDC4 /KDBH do B9 tai chinh cap ngdy 07/01/2015. VOn dieu le: 380.000.000.000 dong Dia chi: Tang 6 nha 29T1, dung Hoang Dao Thily Cau Giay- Ha Ni So din thoai:

04.62990055 SO FAX:

04.62580055 Website:

Abic.com.vn Ma ce) phieu:

ABI

Cong ty chinh thirc khai trirang hoat dOng ngay 08/08/2007, nam 2008 la nam dau Cong ty di vao hog dOng va da dat doanh thu phi bao hiem gtSc 132.000 trieu d6rig. Tr nam 2009 den 2015, Cong ty luon dat tOc d9 tang doanh thu phi bao hiem cao han mire tang trizOng binh quan tren thi truang, nam 2015 Cong ty d dat Doanh thu phi bao hiem 824.802 trieu dng, trong do doanh thu phi bao hiem gOc 784.452 trieu d6ng, doanh thu nhan tai bao hiem 40.351 trieu dong.

Ke hoach nam 2016 Cong ty dal mOc doanh thu 1.000.000 trieu dOng phi bao him.

2. Nganh ngq va ilia ban kinh doanh/ Lines, and locations of the business: - Nganh nghe kinh doanh: Kinh doanh bao hiern phi nhan th9, dau tu tai chinh và kinh

doanh khac theo quy dinh cüa phap luat. - Dia ban kinh doanh: Trong lanh th9 Viet Nam.

3. Thong tin v mo hinh quan tri, to chin kinh doanh va 1345 may quail 1ST/

Information about governance model, business organization and managerial apparatus

3.1 Co. eau to chin clia Cong ty

Dai hi diing cO

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Dai hOi d6ng c6 dong la c quan quyen luc cao nhAt cUa Cong ty. Dai hi d6ng dong quyet dinh to chirc lai và giai the C6ng ty, quyet dinh dinh hirong phat trien, bô nhiem min nhiem thanh vien HDQT, Ban kiem soat.

Hi diing coin tri:

Hi &Ong quan tri la cci quan quan tri cao nhat eüa Cong ty, có day quyen htn de thay mg Dai hi (Jong co dong quyet dinh the van de lien quan den muc tieu va cüa Cong ty, ngoai trir cac van de thoe quyen han cfia 0ai hi (tong co &Ong. Hi d8ng quail tri do Dai hOi clang co dong bau ra.

Ban ki6m snit:

Ban kiem soat do Dai hi d6ng ce) dong bAu ra, la tifi chirc thay iit ce) &mg de kiem soat m9i hog &Ong kinh doanh, quan tri va dieu hanh eüa Cong ty.

Ban T6ng gram d6c:

Ban T6ng giam de bao grn T6ng giam d6c va cac PhO Tng giam d6c,do HDQT quyet dinhbo nhiem, mien nhiem. Tong giam doe la ngueci dieu hanh cao nhat moi hog d6ng kinh doanh hang ngAy cüa C6ng ty.

Cac Pilling Ban C6ng ty: Ban kiem tra kiem soat n6i b6 Ban quan ro Phang Tai san ky thuAt Phong Hang hai PhOng Phi Hang hai PhOng Tai bao hiem Phang Quán l di l và PTHT PhOng Giam dinh b6i thuong Ph6ng Ke toan -Tai chinh Phang Dau tu von PhOng T6 chirc hanh chinh PhOng Thu kY phap ehê Phong C6ng nghe th6ng tin

3.2 Mpg hroi ho#t Ong ciia Cong ty 3.2.1 Tr sa chinh — ABIC Dia chi: TAng 6 nhA 29T1, dixOng Hoang Dao Thily - Trung Hoa - CAB Giay HA Ni Dien thoai: 04.37622555 Fax: 04.37622055 3.2.2 Chi nhanh ABIC — HA Ni Dia chi: 343 Di Can — Ba Dinh — HA Ni Dien thoai: 04.62754455 Fax: 04.62754466 3.2.3 Chi nhanh ABIC — TP H6 Chi Minh

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Dia chi: 38 Phan Dang Luu - Phuong57 - Quan Phü Nhuan - TP HCM Dien thoai: 08.38249797 Fax: 08.38249855 3.2.4 Chi nhanh ABIC - Da Nkg Dia chi: S6 1 T6ng phuac Ph6 - Quan hai Chau - TP Da Nkg Dien thoai: 05.113699222 Fax: 05.112699224 3.2.5 Chi nhanh ABIC - Nghe An Dia chi: S6 371A Nguy6n Van Cur - TP Vinh - Nghe An Dien thoai: 0383.837177 Fax: 0383.837766 3.2.6 Chi nhanh ABIC - Dac Lak Da chi: S6 06 Tr'an Hau Duc - Phuemg Tan Ii - TP Buom Ma Thu6t - Dak Läk

Dien thoai: 05.003.957.697 Fax: 05.003.957.695 3.2.7 Chi nhanh ABIC - Hai Pheng Da chi: T6 s6 62-64 Ton Dix Thang - Le Chan - Hai PhOng Dien thoai: 0313.637.555 Fax: 0313.719.555 3.2.8 Chi nhanh ABIC - Khanh H6a Dia chi: S6 66 Nguygn Thi Minh Khai - TP Nha Trang -Ithanh flea Dien thoai: 058.3510.066 Fax: 058.3510.077 3.2.9 Chi nhanh ABIC - Can Thu Dia chi: S6 146 Tran Van Hoai - Phu6ng Xuan Khanh -Q. Ninh Kieu-TP Can Tha Dien thoai: 0710.3782.266 Fax: 0710.3782.288 3.2.10 Chi nhanh ABIC - Thanh H6a Dia chi: T2 Khu nha 11-Phan Chu Chinh- Phuang Dien Bien-TP Thanh H6a Dien thoai: 0373.718.456 Fax: 0373.717.718 3.2.11 Chi nhanh ABIC- Phil Th9 Dia chi: S6 1674 dai 16 Hung Vuang - PhuOng Gia Cam -TP Viet Tri - Phü Th9 Dien thoai: 0210.3818.528 Fax: 0210.3818.529

4. Dinh htrerng Oat trin/ Development orientations

Muc tieu chin lugc la dua ABIC tra thanh m6t doanh nghiep bao hiem co uy tin ye chat luang va phong each phpc vu khach hang chuyen nghiep, nhat la d‘at uys tin hang du trong cong tac giam dinh ton that, giai quyet khieu nai, chi tra tien boi thuOng nhanh chOng, minh bach va chinh xac cho khach hang. ,

Ngoai viec tham gia cung cap cac san pham bao him nhu cac doanh nghiep bao him khac tren thi tnrOng, ABIC se tap trung vao nhang san pham bao him mai huOng ve khu vuc nong nghiep nong thon, day manh phat trien cac dich vi tai chinh, tang cuong cbia se ro cho khu vue nong th6n, gop phan xay dung nong thon mai theo duOng loi cüa Dang va Nha

5. Cae riii ro/ Risks: , Kinh doanh bao him la dux hien kinh doanh rin ro, trong dO nhan cac rüi ro tham

h9a tir nguoi mua bao him sau dO thgc, hien phan tan va chuyen giao ro cho thi trueing tai bao him trong ntrac va quoc te, cOng viec dOi hOi k thuat chuyen mon nhat dinh, nu thuc hien khong Mt sê anh huong den hieu qua boat d6ng doanh nghiep

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IL Tinh hinh hog Ong trong nAm/ Yearly Operations 1. Tinh hinh hoot d(ing san xuAt kinh doanh/ Situation of production and

business operations •

STT Chi tieu I(H 2015 TH 2015 T. H/ICH I. Doanh thu ban hang 816,500 872,663 106.9% 1 Phi Bao him g6e 746,500 784,452 105.1% 2 Phi nh;an tai bao him 25,000 40,351 161.4% 3 Doanh thu d'au tu tai chinh 45,000 47,524 105.6% 4 Thu nhap khde 336 -

II. Loi nhu4n truov thut 100,000 105,081 105.1%

2. Tti chtiv va nhan sty/Organization and Human resource 2.1 Danh sach, torn tt ly lich va t 14 si him co phân Ca nhan dm Ban diki hanh: TT HQ va ten Chtic danh Ghi chti TST le sir hfru CP (%) 1 Hoang Thi Tinh Tong giam doe 0,11 2 DO Minh Hoang Pho Tong giam dc 0,18 3 Mai Sinh Pho T6ng giam dc 0,11 4 Quach Ta Khang Pho Tong giam dov e ,. 0,09 5 Nguyen Tien Hai 13--ho T6ng giam' dc 0,15 Tom tat 1 lich ban dial hanh: a) Ba Hoang Thi Tinh — T6ng giarn die.

Ngay thang narn sinh: 03/05/1964. Trinh dO chuyen mon: Th4c sy kinh te, chimg chi b6i duifing K toan truing Trinh dO ngoiai ngit: Ting Anh trinh dO B. Kinh nghiem Cling tac: + Tir 1985 den 1991: Nhan vien k toan NHNo huyen Giao Thuy — Nam Dinh;

+ Tir 1991 den 1992: Giam dinh vien NHNo huyen Giao Thily —Nam Dinh;

+ Tir 1992 den 1997: Pho truing phong K'e toan NHNo huyen Giao thily — Nam

Dinh; + Tir 4/1997 den 7/1998: Truing phong K toan NHNo Giao Thily —Nam Dinh;

+ Tir 8/1998 den 11/1999: Can b0 k toan Si kinh doanh HOi doai NHNo&PTNT

VN; +

Tir 12/1999 den 7/2004: Phi True'mg phong K toan Ngan quy-Si giao dich

NHNo&PTNT VN; + Tr 8/2004 den 9/2006: Kim tra truing S giao dich NHNo&PTNT VN; + tir 10/2006 den 5/2007: Thanh vien ban trii bi thanh lap ABIC; + Tix 5/2007 den 11/2007: Truing phong k toan tai chinh Cong ty CP Bao hiem

NHNo;

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+ Tir 11/2007 den 12/09/2010: Ke toan trtrong — Trirang phong k toan tài chinh Cong ty c6 phAn bao hiem Ngan hang Nong nghiep; + Tir 13/09/2010 den 08/06/2014 Ph6 T6ng giam dc Cong ty c6 phAn bao him Ngan hang N6ng nghiep. + Tir 09/06/2014 den nay: T6ng giam d6c Cong ty ce phAn bao him Ngan hang Nong nghiep.

b) Ong D8 Minh Hoang- PhO Tang giam d6c: Ngay thang nam sinh: 01/08/1966 Trinh dO chuyen mon: Thsc sy kinh t chuyen nganh Tai chinh- Ngan hang Bao him; Cir nhan Lust; Kim toan vien nha nuac, chirng chi dao to cac nha lanh ciao DNBH, trinh dO ngosi nga: Ting Anh B. Chirc vii c6ng tac hi'en nay: Pho T6ng giam d6c Cong ty c6 phAn Bao him Ngan hang Nong nghiep; Kinh nghiem c6ng tac: + Tr 1990 den 1994: TP Bao him SOc San — Bao him HN; + Tir 1994 den 1996: TP Bao him HBT- Bao Viet Ha NOi; + Tir 1996 den 1997: PhO phong Bao hiem Phi Hang Hai — Bao Minh Ha NOi; + Tir 1997 dan 1998: Twang dsi din Chi nhanh Bao Minh Hai Throng; + Tir 1998 den 2000: Ph6 pheng Phi Hang Hai — Bao Minh Ha Ni; + Tir 2000 den 2004: TrtrOng phong khu vvc 8- Bao Minh Ha Ni; + Tir 2004 den 2006: Kim toan vien Nha nix& — CQ kiem Wan Nha rnrOc; + Tir 5/2006 den 5/2007: Chuyen vien Ban tra bi thanh lap ABIC; + tir 5/2007 den 18/05/2010: Quyen T6ng giam &tic C6ng ty ce phan bao hiem Ngan hang Wing nghiep. + Tir 18/05/2010 den nay: PhO Teng giam dc C6ng ty c6 phAn bao him Ngan hang Nong nghiep.

c) Ong Quach Ta Khang- PhO T6ng giam d6c Ngay thang nsam sinh: 06/06/1964. Trinh dO chuyen mon: Ksi six kinh te van tai song, cao cAp 13'T 1ua.n chinh tri, Trinh dO ngoai ngir: Ting Anh trinh di) B. Kinh nghiem c6ng tac: + Tir 1998 den 12/1994: Can bO Phang lao dOng tin Krung & Phong k toan tai vt.1 - C.ty )(Ay (11,mg cong trinh duong thus, 2; + Tir 01/1995 den 12/1995: Can 13,0 Pheng tai chinh k Wan - Cong ty van tai xang du dung thuST 1; + Tir 12/1995 den 3/2000: Truong phong k toan t6ng hop - Chi nhanh C.ty CP Bao him Petrolimex Hai Phong; + Tir 4/2000 den 3/2004: TrtrOng pheng tai chinh kê toan - Chi nhanh C.ty CP Bao him Petrolimex TP.HCM;

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+ Tir 4/2004 den 9/2005: Pho Giam dc Chi nhanh Cong ty CP Bao hien' Petrolimex Binh Throng; + Tr 10/2005 den 7/2008: Giam doe Chi nhanh Cong ty CP Bao him Petrolimex Birth Duang; + Tilt thang 7/2008 den 7/2011: Giam dc Chi nhanh ABIC TP. HCM. + Tir . thang 7/2011 den nay gift. chirc Ph6 Tang Giam d6c kiem Giam d6c Chi nhanh ABIC TP. HCM.

d) Ong Mai Sinh — Pho TOng giam dc Ngay thang nam sinh: 20/11/1961 Trinh dO chuyen mon: Th4c sy kinh t re Trinh d6 ngoai ngfr: Qua trinh cong tac: + Tir 9/1986 den 11/1989: Can bO Cong ty Bao him Ha NOi; + Tit 12/1989 den 7/1990: PhO phOng Bao him phuang tin - Bao Viet Ha NOi; + Tilt 8/1990 den 11/1994: PhO phong phi trach phOng Bao him phi hang hai - Bao Viet Ha NOi; + Tilt 12/1994 den 7/1995: Can 1:16 Quy tin dung nhan dan Trung uang; + Tilt 8/1995 den 2/1996: Pho Giam d6c phu trach phong Thong tin - Phap 1S7 va Quan h qu6c th - Quy tin dung nhan dan Trung uang; + Tit 3/1996 den 7/1996: Can b6 Cong ty BH TP. 1-16 Chi Minh - Bao Minh Chi nhanh Ha NOi; + TV 8/1996 den 12/1997: Pho phong PHH phu trach b6 ph:an MIS/ - COng tac vien - Bao Minh Ha NOi; + Tilt 01/1997 den 8/1998: Twang phong DDBH Bao Mirth Nghe An; + Tir 9/1998 den 02/1999: Pho Giam dc phu trach Chi nhanh Bao Minh Nghe An; + 'fir 03/1999 den 4/2000: Truong ph6ng nghiep vu Bao Minh Ha NOi; + Tilt 7/2001 den 12/2004: Truong phong Cong nghe va dich vu thong tin - Bao him tin giri Viet Nam; + Tilt 1/2005 den 4/2005: Throng phOng Thong tin tuyen truyen - Bao him tin gilri Viet Nam; + Tit 4/2005 den 7/2006: Tnrang van phOng dti din Bao Minh t4i Ha NOi; + Tilt 8/2006 den 6/2007: Chuyen vien Ban trii bi thanh lap Cong ty CP Bao him Ngan hang Nong nghiep; + Tit 6/2007 den 30/8/2012: Tru Ong PhOng Quan 1ST Dai 1 & PTHT Cong ty CP Bao him Ngan hang Nong nghiep. + Tit 1/9/2012 den nay: PhO T6ng Giam d6c C6ng ty CP Bao him Ngan hang Nang nghiep.

e) Ong Nguygn Tien Hai — Pho T6ng giam dc Ngay thang nam sinh: 12/08/1975

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Trinh d6 chuyen mon: Thac sy kinh t6 lust kinh t6 quail I chuyen nghh tai chinh, ngan hang, bao hiem Trinh d6 ngoai nga: Qua trinh cong tac: + Tir 1997 den 4/1998: Can b6 Cong ty phan mm ke toan -Cong ty Bao viet Ba Rja - Viing Tau; + RI 5/1998 den 9/1998: Can b6 PhOng giam dinh - Cong ty Bao him Nha remg (Chi nhanh Ha Ni); + Tit 10/1998 den 12/2002: Can b6 Ph6ng k toan, PhOng Kinh doanh Cong ty Bao Minh Ha Ni; + Tir 01/2003 den 10/2006: Phv trach phong Kinh doanh Bao hiem PJICO; + Tir 11/2006 den 7/2007: Trtrong ph6ng Tai san - Bao Minh Thang Long; + Tit 25/7/2007 den 23/9/2012: Truang PhOng TSKT Cong ty CP Bao hiem Ngan hang N6ng nghiep; + Tir 24/9/2012 den 30/6/2014: Giam dc Chi nhanh Ha Ni thu'6c C6ng ty CP Bao hiem Ngan hang Ming nghiep; + Tir 01/7/2014 den nay: Ph6 Tiing Giarn d6c Ong ty CP Bao hiem Ngan hang Nong nghiep;

2.2 Nhang thay di trong Ban dieu hanh nam 2015 (K;hong thay

2.3 S6 hrong can b0, nhan vien va chinh sach vai ngtr6i lao d6ng - Nhan sr toan C6ng ty tinh den 31/12/2015 la: 528 can b6- nhan vien.

Cong ty tlArc hien chi tra ltrcmg cho ngtred lao d6ng theo doanh thu phi bao hiem thvc hien va hieu qua kinh doanh theo quy dinh van ban s6: 1899/2014/QD-ABIC-KTTC quy dinh ve Quy thu nhap trong toan Cong ty. Day la van ban nen tang dieu chinh v ca che phan ph6i tin ltrang cho ngtr6i lao dOng, gn viec phan ph6i tin hrang vai ket qua kinh doanh cu6i cimg. Ngoai ra cac cite dO BHXH, BHYT, luon dtrac dam bao day dU di vai ngu6i lao d6ng.

3. Tinh hinh dau tir, tinh hinh time hin cac thy an a) Cac khoan dau talon: (khong c6) b) Cac cong ty con, c6ng ty lien ket: (Khong co) 4. Tinh hinh tai chinh/ Financial situation a) Tinh hinh tai chinh/ Financial situation

Chi tieu MA se; Nam 2015 Nam 2014

1. Doanh thu thuLi hog clOng KDBH 10 699.409.449.505 552.290.468.736

2. Doanh thu hoat dOng tai chinh 12 47.524.269.244 43.199.471.926

3. Thu nhap khac 13 335.787.675 690.584.850

4. T6'ng chi phi hoat Ong KDBH 20 (385.075.237.427) (253.537.339.465)

Dan vi: D'ong

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5. (Chi phi)/thu nhAp hog Ong tai chinh 22 (64.834.352) 5.196.694.545

6. Chi phi quan IS, doanh nghiSp 23 (256.952.134.672) (199.764.282.486)

7. Chi phi khac 24 (95.487.072) (139.314.949)

8. Tiing lqi nhu4n ic' than triferc thu t 50 105.081.812.901 147.936.283.157

9. Chi phi thus TNDN hiSn hanh 51 (23.254.269.288) (32.700.422.447)

10. Lqi nhu4n sau thud thu nhOp DN 60 81.827.543.613 115.235.860.710

11. Lai ca ban ten ce) phiSu 70 1.903 3.128

b) Cac chi tieu tai chinh chit y8.1

STT Chi tieu Dun vi tinh 2015 2014

1. Co' du tai san , - Tai san dai han/Tong tai san % 28,97 11,83 - Tai san luu Ong/Tong tai san % 71,03 88,17

2. Ca ciu ngu6n v6n s ,

- Ng phai tra./Tong nguon von s , % 56,93 53,58 - Nguon von chn so. hiru/Tong ngu6n von % 43,07 46,42

3. Kha nang thanh than - Kha nang thanh toan nhanh Lin 1,595 2,186 - Kha nang thanh toan hiSn hanh Lan 1,598 2,189

4. TksuAt lqi nhu4n - TS, suit Igi nhuin truck thuS/T6ng tai san % 8,12 12,92 - TS, suit Igi nhuAn sau thuS/Doanh thu thuin % 11,70 20,87 - TS, suit Igi nhuAn sau thuS/NguOn v6n chu sey hal % 14,69 21,68

5. Co. cu c (long, thay di von du ttr ctia chit sr htlru/Shareholders structure, change in the owner's equity.

a) Co phAn/Shares: ,Tong s6 c6 phAn cUa C6ng ty: 38.000.000 CP menh gia 10.000 ding, trong do: Co

phan ph6 thong: 38.000.000 CP, c6 phAn tru dai: (Khong co), c6 ph'an han che chuyen nhtivng: (K:hopg co).

Tong so co phan dang kru hanh: 36.841.800 CP, tong s6 c6 plfan chua ltru hanh (Co phieu quy): 1.158.200 CP. b) Ca cau co ding: • Co Tong lan: - Cac c6 Tong lan s6 hilu: 22.700.000 CP chiem: 59,74% c6 phAn cüa C6ng ty Danh sach cac c6 (tong 16n dm Cong ty: - Ngan hang Mktg nghiep &PTNT Viet Nam, dia chi s6 2 Lang Ha, Ba Dinh- Ha Ni,

sa halt 19.500.000 CP chiem 51,32% V6n dieu le. - T6ng c6ng ty Tái bao hiem qu6c gia Viet Nam, dia chi 141 Le Du'an — Hoan Kiem —

Ha Ni, sa hint 3.200.000 CP, chiem 8,42% V6n dieu le. • C6 ding nhO: T6ng so him cUa cac c6 dong nh6 la: 14.141.800 CP, chiem: 37,22% c6 phAn cita Cong ty.

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• CO clang sa him nha ntroe: - T'Ong sa him cüa ctS (long nha nu& la: 19.500.000 CP, chilem: 51,32% c6 phAn cüa

Cong ty. - Danh sach cae ea don nha mrac: TT Ten c6 (long Co phan TST le % 1 Ngan hang Nang nghiep va PTNT Viet Nam 19.500.000 51,32 c) Tinh hinh thay doi von du tu cüa chit' sâ

(Nam 2015 ,von clieu le cita Gong ty khOng thay doi) d) Giao dich c6 phieu quy nam 2015:

(khong co) e) Cac chimg khoan khac:

(Khong co)

III. Ban cao va danh gia ctia Ban Tiing giam dc/Report and assessment of the Board of Management:

1. Danh gia ket qua hog dOng kinh doanh/Assessment of operating results 1.1 Hoat dOng kinh doanh bao higm • Doanh thu phi bao him: Tinh dgn ngay 31/12/2015 t6ng doanh thu bao him toan

C6ng ty dat 824.803trieu dOng, trong do: - Doanh thu BH gOe 784.452 trieu dong tang truang 24,0% so voi nam 2014. - Doanh thu nhan tai BH 40.35 ltrieu tang twang 66,7% so \Teri nam 2014.

1.2 Hog dOng thu tu tai chinh • TOng dau tu tai chinh 861.725 trieu dOng, trong do:

- Tin gfri kST han 13 thang 228.000 trieu dog; Tien gift kST han 12 thang 633.725 trieu dong.

• Doanh thu clau tu tài chinh thve hien 47.524 trieu dOng dat 105,6 % kg hoach. 1.3 IC& qua kinh doanh

Lçvi nhuan tnrac thug nam 2015 cong ty thuc hi'en 105.081 trieu deg, so \TM nam 2014 giam 29%, dat 105,1% kg hoach.

(Loi nhudn Int& thue 2015 giam 29% la do: Nr2771 2014 la nam cldu tien thur hien hach wan chi phi hoa hang cher phan bd theo Thong tu. 232/2013/TT-BTC nen dã lam tang lcri nhudn 47.540 trieu clang, neu loii &Er yeu tá nay thi Zvi nhudn nam 2015 tang 4.685 trieu clang (Ica mire tang trui'mg 4,7% so vol nam 2014).

2. Nhang cai tin v ca cu t chirc, chinh sach quan 1ST C6ng ty da dan hoan thin xay °twig m6 hinh kenh phan ph6i san pham qua he thong

Dai 1' Ngan hang Nang nghiep buck thu phat tri6n thanh c6ng san pham Bao An Tin &gig, ma ra huang phat triL the san pham phvc vv khu vvc Nang nghiep N6ng th6n.

Ca che quan 1ST thong qua eong tat khoan kinh doanh da throe COng ty tirng buck hohn thin va dã phat huy duge hieu qua trong cong tac quart tri doanh nghiep. 3. Ke hoach phat trien trong Mang lai 3.1 Mvc tieu dinh huong kinh doanh nam 2016:

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- Doanh thu phi bao hi'em tang truong 18% so vai nam 2015 - Lgi nhuan tru6c thue phan du tang truang 10% so v6i nam 2015 - C6 tire chi tra phan du dat 12%. 3.2 Ke hoach phat tri6n trong ttrang lai:

Tip tiic Ichai tithe thj tnreng truyen thong, tap trung nguon luc phat trien mo hinh kenh phan phi Bancassurance, lay khu vuc nong nghiep nong them, nong clan lam thi tnrong chU dao.

Muc tieu chin lugc la dua ABIC tr6 thanh m6t doanh nghiep bao hiem co uy tin ye chat lugng va phong each phuc vu khach hang, chuyen nghiep trong ding tac giam dinh ton that, giai guy& Ichieu nai, chi tra tin b6i thuong thuan lgi, minh bach, nhanh chOng va chinh xac. Dam bao quyen lgi va lgi ich cüa khach hang, g6p phan thfic day phat then kinh th va an sinh xa hi. IV.Dinh gia cüa 118i d8ng quail tri v hoat Ong ciia Cling ty (di vol cong ty c8

phan)/Assessments of the Board of Management on the Company's operation (for joint stock companies)

1. Dinh gii cüa Hi (tong plan tri ye ho#t Ong ciia Ban Giim (Ric ding ty/Assessment of Board of Directors on Board of Management' performance Ban T6ng Giam d6c cong ty g6m 5 thanh vien (Tong Giam d6c va 4 Ph6 T6ng Giam d6c, trong dO 1 Pho T6ng Giam doe phi trach khu vuc phia Nam) a thuc hien tot viec phan cong cong viec, phan cap va uSi guy& dam bao dieu hanh m9i hoat &Ong kinh doanh cüa ding ty, bao quat toan b6 cac chi nhanh theo khu vijc dia 1S7. Ban T6ng Giam dc dã chi dao Cong ty t6 chirc thuc hien ttSt cac Nghi quyet, guy& dinh cüa Dai hOi 'Jong c dong va cüa Hi &mg quan trj cong ty, thueng xuyen barn sat dia ban, nam bat awe tin hog dOng kinh doanh a co guy& dinh dieu chinh phü hop. Hoat dOng dieu hanh dm Ban T6ng Gi 'am d6c dä dam bao tuan thu theo dung cac quy dinh cüa phap luat, quy dinh dm Dieu le ding ty va,theo dung dinh huang cüa HOi d6ng quan trj, thuc hien hoan thanh va vuot mire k hoach kinh doanh do HOi (Tong quan trj giao.

2. Cic k4' hoach, djnh hirerng cfia Hi d'ong quin tri/ Plans, orientations of the Board of Directors

Hoat d6ng cüa HDQT cOng ty trong nam 2016 se tap trung vao m6t s6 linh vuc sau: Na'm 2016, HDQT trinh DHDCD thuong nien nam 2016 cac nOi dung can dugc th6ng qua va phe duyet theo quy dinh eña Phap luat va Dieu le C6ng ty.

Duy tri nghiem Plc hoat Ong cüa HDQT theo quy dinh cüa Phap luat va Dieu le cong ty, nang cao nang luc, hieu qua giam sat dm HDQT di vai cac hoat dOng dieu hanh kinh doanh thuOng xuyen cña cong ty. Phat huy tinh chü d6ng cüa cac thanh vien HDQT trong viec quan 1, giam sat va h6" trg cac don vj trong hoat d6ng kinh doanh theo nhiem vu throe phan ding.

10

Kién toan b6 may t6 chdc tai Tru sa chinh va cac chi nhanh theo huang tinh gon va

hieu qua. Xay dkmg ca cha pith trian ngu6n nhan su c6 trinh d6 chuyen mOn dap

yeu cu thgc tin kinh doanh.

Nang cao kha nang canh tranh cüa san phlam bao him hien dang phan ph6i tren thi truong, phat trian mOt s6 san phdm bao hiam phn hop \Teri d4c thn kinh doanh cna he th6ng Agribank.

Tip tgc ra soat, chinh sfra va ban hanh mai cac quy cha, quy dinh, quy trinh ...v6

nghiep vu bao hiam va ding tac quan tri, cong tac kiam tra giam sat, tang cuang vai

trO ding tac kiam tra kiam soat nOi b6.

Tip tuc chi dao cong ty thgc hien hoat d6ng kinh doanh theo dinh huang chin lugc

kinh doanh 5 nam (2012-2017) dal dugc DHDCD ndm 2012 phe duyet. V. Quan‘tri coin tylCorporate governance 1. Hi dong quail trii,Board of Directors a) Thanh vien va ca cu cUa Hi dong quan trilMembers and structure of the Board

ofDirectors: Thanh vien HDQT va tS, 1e sa hfru Co phAn ca nhan elm thanh vien HDQT

TT HQ va Ten Chdc danh Ghi chit TST 1 sa hau

e

co phan (%) 1 Dinh Viet DOng Chn tich HDQT 0 2 Hoang Thi Tinh Pho Chn tich HDQT Kiem TGD 0,11

3 D4ng The Vinh Thanh vien Khong diau hanh 0 4 Duang Van Thanh Thanh vien Khong diau hanh 0

5 Le H6ng Quan Thanh vien chuyen trach 0

b) Cac tiau ban thu6c HDQT/The committees of the Board of Director: (Khong co)

c) Hoat d6ng elm Hi d6ng quan trilActivities of the Board of Directors: • tri•

st) TT

__

Thanh vien HDQT

_.. 1 .

CUT vi

Ngay bit dau/khfing

con la thanh vien HDQT

So buOi hop

tham thy

TST le 14 do Wing

tham thy

1 Dinh Viet Dong Chu tich HDQT

4/4 100%

2 Hoang Thi Tinh Pho CH. tich HDQT kiem

TGD

4/4 100%

3 Le H'Ong Quan Thanh vien 12/10/2015 2/4 Pham Dire Tuan Thanh vien 12/10/2015 2/4

4 Dang Tha Vinh Thanh vien 4/4 100% • 5 Duong Van Thanh Thanh vien 4/4 100%

11

• Hog dOng giam sat dm HDQT d6i vai Tong Giam doe:

Cong ty ABIC thuc hien hog d6ng giam sat dm HDQT vOi TO'ng Giam clo'c thee dung cac quy dinh cUa Phap luat, cp the nhtr:

HDQT, Chit tich HDQT thuc hien trach nhiem gign sat, chi dao Ding giam d6c va nguen quan 1 khac trong dieu hanh cong vic kinh doanh hang ngay cUa Cong ty. Hoat dOng giam sat dm HDQT, ChU tich HDQT doi yeti Tong giam dc clugc thuc hien quan the each thirc khac nhau nhu:

Thong qua trao d6i, thao luan, chit \Tin gala HDQT, Chü tich HDQT va T6ng giam doe;

- Th6ng qua cac bao cao chi tit day dñ, kip thoi cüa T6ng giam,doc ves tin dO thuc hien, nhang khO khan vuong mac, phan tich nguyen nhan va de xuat cac giai phap xir VT;

- Thong qua Ban Kiem tra, kiem sok n6i b6; Ban Quan ro true thu6c HDQT, Phi hop voi Ban kiem sok trong viec giam sat hog dOng cUa T6ng giam doc;, Cac van ban do Ban T6ng Giam doe ban hanh lien quan den than su, ca eh& kinh doanh, quan VTrüi ro hoat d'Ong....deu dugc gi den cac thanh vien HDQT va BKS ding ty. Hang thang cac thanh vien Ban T6ng Giam d6c true tie'p bao cao Ic'et qua cong vic voi Chu tich HDQT tai HOi nghi giao ban. Cac thanh vien HDQT chü dOng thuc hin hog d'Ong kiern tra, giam sat trong pham vi dugc phan c6ng, thuc hien cac hog Ong ho trg cac don vi chi nhanh. Ket qua hog d'Ong cüa cac thanh vien HDQT dugc bao cao vai HDQT tai cac kST hop.

• Hog dOng cüa thanh vi'en Hi dong quail tri dc lap! Activities of independent members of the Board of Directors (Cling ty khong co thanh vien HDQT d'Oc lap)

• Danh sach cac thanh vien Hi dong quail tri cif) chimg chi dao tao ve quan tri cong ty. Danh sach cac thanh vien Hi d6ng quan tri tham gia cac chtrang trinh ye quail tri cong ty trong namIList of members of the Board of Directors possessing certificates on corporate gorvenance. List of members of the Board of Directors participating in corporate governance training programs in the year. (khong

2. Ban Klein soat/ Board of Supervisors a) Thanh vien va co cau dm Ban kiem soatIMembers and structure of the Board of

Supervisors: Ban kiem soat cña Cong ty Om 3 thanh vien trong do có 1 Truong ban chuyen

trach, 1 thanh vien chuyen trach va 1 thanh vien khong chuyen trach. b) Danh sach thanh vien Ban kiem soat, t le s& hiru Co phan co quyen bieu guy& va

cac chUng khoan khac do cong ty phat hanh/ (list of members of the Board of Supervisors, percentages of ownership in voting shares and other securities issued by the corn van v).

TT HQ Va ten Chirc danh Ghi chii TS, le s& hall CP (%) 1 2 3

Mai Khanh Chung Tru&ng ban 0,13 Luu Thi Viet Hoa Thanh vien 0,014 Nguy'en Ngoc Kien Thanh vien 0,001

12

c) Hog dOng ciia Ban kie'rn,soat/Activities of the Board of Supervisors: • Cac cuOc hgp dm ban kiem sok:

Nam 2015 Ban kiem sok da to chirc hop 5 lan cu the nhu sau: Ngay 04/03/2015 Thong bao ke't qua hog dOng kinh doanh Cong ty C phAn Bao hiem Ngan hang N6ng nghiep na'm 2014 \fa phan c6ng cac thanh vien kiêm tra &III sat Bao cao tai chinh ,nam 2014, lap bao cao trinh di hOi citing c6 &Ong thuong nien na'm 2015. Trien khai cong tac hoat dOng dia. Ban kiem soat narn 2015. Ngay 08/04/2015 Ban kie'm sok hop a th6ng nhk th6ng qua nOi dung du thao Bao cao dm Ban kiem sok ABIC trinh dai hOi &mg c6 ;long thuong nien nam 2015. Ngay 18/06/2015 Hop th6ng bao kk qua hog dOng kinh doanh C6ng ty C ph'an Bao hiem Ngan hang N6ng nghiep 5 thang dau nam 2015; Phan cong lai nhiem vu cho thanh vien Ban kiem sok; chuan bi cho bao cao kiem tra giam sat hog dOng kinh doanh 6 thang dâu nam 2015. Ngay 27/08/2015 Hop th6ng qua du thao Bao cao danh gia hoat Ong cüa ABIC nam 2014 va 6 thang narn 2015. Ngay 06/11/2015 Ban ki6m soat hop tri6n khai cong tac ki6m traya giam sat hoat dOng kinh doanh tai cac chi nhanh true thuOc Cong ty Co phan Bao hiem Ngan hang Yong nghiep 10 thang dau nam 2015

• Hoat dOng khac dm ban kiem sok Tham gia cac hOi nghi sa kk, tong ,ket va theo dOi cac phong trao thi dua do cong ty va cac chi nhanh truc thuOc to chirc phat dOng thi dua. Trinh,bao cao tham dinh bao cao tai chinh, bac) cao ket qua kinh doanh len Dai hOi ding co dong thuemg nien tai cac et* hop DO hOi citing co dOng thuong nien nam 2015. Kim tra tinh hop 1Si, hop phap, tinh trung thuc va mire dO ca'n,trong trong quan 1St, diau hanh hog dOng kinh doanh, trong cong tac kê toan, thong ke va lap bao cao tai chinh na'm 2014. Tham du thong qua cac bien ban ki&n tra cüa doan kiêm tra kie'm toan nOi b0 na'm 2015. To chirc kiêm tra kie'm sok cac hoat Ong d6i vài cac chi nhanh truc thuOc cong ty trong nam 2015. Tham gia cac buoi giao ban dm c6ng ty de nam bat tinh hinh trien khai c6ng tac kinh doanh cüa toan cong ty. Ph6i hop va ket hgp chat che vai Ban Tong giam doe, Cac phong nghiep vu tru sâ chinh \id cac chi nhanh true thuOc trong qua trinh ki6m tra giam sat a hoan thanh nhiem

3. Cac giao dich, din lao va cac khoin lçri ich cüa 110i dong quail tri, Ban giam deic va Ban ki'e'm soat/ Transactions, remunerations and interests of the Board of Directors, Board of Management and Board of Supervisors

a) Luang, thugng, thu lao, cac khoan lgi ich/Salary, rewards, remuneration and benefits:

13

Don vi: d6n

TT HQ va ten Chirc danh s6 thdna I,

Tien limn° ,,, Thu lao

I Hi ang Quail tri 1,434,409,091 495,000,000

1 Dinh V* Wang Chil tich HDQT chuyen trach

12 757,500,000

2 Hoang Thi Tinh Pho Chi' tich HDQT kiern Tong Giarn d6c 12 596,000,000

3 Le H Quan Thanh vien6ng

chuyen trach 3 80,909,091

4 Ding The' Vinh Thanh vien 12 180,000,000

5 Duang Van Thanh Thanh vien 12 180,000,000

6 Pham Dix Tan Thanh vien 9 135,000,000

II Ban kiem soat 653,354,167 60,000,000

1 Mai Khanh Chung Truang ban 12 446,000,000

2 Nguygn Ngoc Kien Thanh vien chuyen trach 7 207,354,167

3 Luu Thi Viet Hoa Thanh vien 12 60,000,000

III Ban dieu hanh 1,768,456,000

1 D.6 Minh Hoang Ph6 T6ng Giam dc 12 518,500,000

2 Mai Sinh Ph6 T6ng Giam d6c 12 482,250,000

3 Nguygn Tin Hai Pho T6ng Giarn dc 12 446,000,000

4 Quach 11 Khang Ph6 T6ng Giam dc 12 321,706,000

Tang Ong _ 139 3,856,219,258 555,000,000

b) Giao dich co phiêu dm co dông n0i b0/ Transactions of internal shareholders:

STT Ngtrai thkrc In0 giao dich

, u. Q an he vol co thing nOi bO

SO cti phieu ABIC sr hen

31/12/2014

SO cO phieu ABIC s& him

31/12/2015 14 do

tang/giam

SO cii phieu Se; cO phieu

1Ch6ng Tran Van Van

ba Hoang Thi Tinh

88.000 153.000 Mua 65.000

Tang 88.000 153.000

c) Hgp dong hoc giao dich vdi c6 Tong n0i b0/ Contracts or transactions with internal shareholders: (Khong co)

d) Vic thvc hin cac quy dinh y6' quail tri c6ng ty/ Implementation of regulations on corporate governance:

VI.Bao cao tai chinh/ Financial statements 1. Y kien kiem toan/ Auditor's opinions

14

Theo kin cüa chimg t6i, bao cao tai chinh dã phan anh trung thtrc va hop 1, tren cac khia canh tr9ng yeu, tinh hinh tai chinh cüa Cong ty Co phan Bao hiem Ngan hang N6ng nghiep tai ngay 31, thang 12 nam 2015, ket qua hot d'On kinh doanh va hru chuyen tien t cho narn ket thiic ding ngay, phit h9p vài cac Chuan moc Ke tor Viet Nam, Ch e d6 Ke tor Doanh nghiep Viet Nam, Th6ng tu s6 232/2012/TT—BTC ngay 28 thang 12 nam 2012 do BO Tai chinh ban hanh ve huang clan ke toan áp ding dorsi voi doanh nghiep,bao him phi nhan th9, doanh nghiep tai bao hiem va chi nhanh ,doanh nghiep bao hiem phi nhan th9 ntrOc ngoai vã cac quy dinh phap 15, co lion quan den vi'c lap va trinh bay bao cao tai chinh. 2. Bao cao tai chinh cluvc kiem toan/Audited financial statements 2.1 Bang can dOi ke toan

TT Danh imp Ma So

Thuytt minh

31/12/2015 31/12/2014 (phan lo#i l#i)

TAI SAN A TAI SAN NGAN HAN 100 918.658.283.520 1.009.764.485.637

I Teen vã cac khan twang dtrung 110 5 82.764.644.878 178.685.410.954

1 Tin 111 44.764.644.878 50.185.410.954

2 Cac khoan tuang throng tiL 112 38.000.000.000 128.500.000.000

II Cac khan din ttr TC ngin 11#11 120 6 633.725.291.700 589.500.000.000

1 Dau tu nam giir de'n ngay dao han 123 633.725.291.700 589.500.000.000

III Cac khan phai thu ngin lipi 130 66.385.217.925 122.421.771.622

1 Phai thu dm khach hang 131 7 51.063.378.504 105.127.553.463

1.1 Phai thu v'd hap clang bcio hie'rn 131 .1

29.530.802.265 85.745.126.129

1.2 Phai thu khcic ctia khach hang 131 .2

21.532.576.239 19.382.427.334

2 Tra tan cho ngtroi ban 132 791.759.309 1.796.662.118

4 Phai thu ngan han 136 8 19.219.199.012 19.781.788.125 5 Du phong phai thu ngan han kh6

doi 137 9 (4.689.118.900) (4.284.232.084)

IV Hang din kho 140 1.638.542.877 1.492.794.996

1 Hang tOn kho 141 1.638.542.877 1.492.794.996

V Tai sat' ngin h#n khac 150 70.511.764.836 57.369.820.085 1 Chi phi tra tru6c ngan han 151 10 68.513.084.331 55.012.500.606

1.1 Ch i phi hoa hang chtea phan ba 1 51 .1

68.513.084.331 55.012.500.606

5 Tai san ngan han khac 155 1.998.680.505 2.357.319.479 VH I Tai sin tai bao hiem 190 18 63.632.821.304 60.294.687.980

1 Du phOng phi nhuong tai bao him 191 26.222.178.235 28.504.275.547

2 Du phOng bOi thueng nhuong tai BH

192 37.410.643.069 31.790.412.433

B TAI SAN DAI HAN 200 374.754.785.374 135.504.071.962 I Cac khan phai thu daili#n 210 11 6.240.968.670 6.243.968.670 1 Phai thu clai han kha.c 216 6.240.968.670 6.243.968.670

Don vi: DOn

15

1.1 1C), quji.' bao hi 216

em .1 6.000.000.000 6.000.000.000

1.2 Phai thu dai han khac 216 .2 240.968.670 243.968.670

II Tai sin c6 dinh 220 134.508.815.821 124.417.470.480 1 Tai san ce) dinh hitu hinh 221 12 72.721.598.562 77.173.569.673

- Nguyen gia 222 103.676.959.945 100.843.714.490 - Gici tri hao man luy ke 223 (30.955.361.383) (23.670.144.817)

3 Tai san co' dinh vo hinh 227 13 61.787.217.259 47.243.900.807 - Nguyen gici 228 63.938.089.433 48.688.273.070 - Gia tri hao mon lup ke 229 (2.150.872.174) (1.444.372.263)

V Cic khoin din ttr tai chinh dai hp 250 14 228.000.058.302 58.302

1 DL ttr nirn gift an ngay dao han 255 228.000.058.302 58.302 VI Tai sin dai livi khac 260 6.004.942.581 4.842.574.510 1 Chi phi tra tuft dai han 261 6.004.942.581 4.842.574.510

TONG CONG TAI SAN 270 1.293.413.068.894 1.145.268.557.599

NGUON VON A Nci PHAI TRA 300 736.372.929.606 613.637.703.436 I No ngin hp 310 734.560.455.657 611.165.506.735 1 Phai tra cho ngtrOi ban 311 15 47.407.501.311 64.163.684.614

1.1 Phai tra ye hop clang bao hiem 311 .1 47.104.339.798 62.110.489.748

1.2 Phai trth khac cho nguy31 ban 3112 . 303.161.513 2.053.194.866

3 Thuo' va cac khoan phai nOp NN 313 16 8.696.808.168 18.097.129.806 4 Phal tra. ngtreyi lao dOng 314 57.932.348.237 30.678.143.007

8 DT hoa hOng chtra dugc hu 318

O•ng .1 6.811.898.273 7.477.056.629

8 Phai tra ng'a.'n han khac 319 17 7.989.623.249 5.956.961.806 10 Quy khen thuong, phiac loi 322 30.916.283.827 23.474.275.339

13 Dkr phong nghi4 vg. 329 18 574.805.992.592 461.318.255.534

13 DP phi BH gac va nh -dn trii BH 329 .1

411.527.688.580 327.341.026.315

13 DP BT BH gac va nhan tai BH 329 .2

110.459.619.718 88.871.828.566

13 Dv phong dao d Ong lOn 329 .3

52.818.684.294 45.105.400.653

II. Ng clai hp 330 1.812.473.949 2.472.196.701 1 Phai tra dai han khac 337 5.000.000 5.000.000

8 Doanh thu chtra thgc h* 338 1.807.473.949 2.467.196.701

B VON CHU SO III:TIJ 400 557.040.139.288 531.630.854.163 'Win chi' so' hitu 410 19 557.040.139.288 531.630.854.163

1 \Mit Au tu dia chit so. him 411 380.000.000.000 380.000.000.000

2 Tha'ng du vo'n cli pliln 412 12.000.000.000 12.000.000.000

16

4 COA phi6u quY 414 (13.898.400.000) (13.898.400.000) _

3 Quy au tu phat tritn 417 36.767.680.241 19.482.301.134

4 Quy chr trir bat buOc 419 21.473.317.671 17.381.940.490_

116.665.012.539 5 Lgi nhu4n sau thu6 chua phan phi 421 120.697.541.376

TONG CONG NGU6N VON 440 1.293.413.068.894 1.145.268.557.599

CAC CHI TIEU NGOAI BANG CAN DO! Kt TOAN

1 Hop dang bac hiem go'c chtra phat

• sinh trach nhirri 49.1 52.621.817 24.178.274.128

_ 2 Ngoai t the 1* 998,26 831,28

2.2 Bao cao ke't qua hog dOng kinh doanh Dan vi: D6'n

Chi tieu h

MA so 2015 Thuyet minh 2014

1. Doanh thu phi bao hiem 1 20 740.616.376.286 601.450.359.924

- Phi bao him gac 1.1 784.451.781.752 632.693.721.139

- Phi nhein tai bcio Min? 1.2 40.351.256.799 24.201.827.894

- Tang cly• phong phi bao him gac va nhan tai BH 1.3 18 (84.186.662.265) (55.445.189.109)

2. Phi nhuvng tai bao him 2 21 (55.756.771.537) (56.827.143.561)

- Tang phi nhuvng tai bcio him 7. 1 (53.474.674.225) (57.640.600.771)

- (Tang)/giam dy• phong phi nhuvng tai bao hie'rn 2.7 18 (2.282.097.312) 813.45 7.210

3. Doanh thu phi bao hiim thuan 3 684.859.604.749 544.623.216.363

4. Hoa h6ng nhtrgng tai BH va DT khac HDKD BH 4 14.549.844.756 7.667.252.373

- Hoa hang nhuvrg tai bao him 4.1 14.536.644.756 7.667.252.3 73

- Doanh thu khac hoat clang kinh doanh bao h4m 4.2 13.200.000 -

5. Doanh thu thuAn hot dOng kinh doanh BH 10 699.409.449.505 552.290.468.736

6. Chi 196i thu6ng 11 (189.170.271.332) (184.506.842.849)

- Tang chi bai thithng 11.1 22 (193.382.869.952) (199.024.473.088)

'- Khocin girl»? tric (Doi ngu•Ori tide 3,hang xic1.), BT) 11.2 4.212.598.620 14.517.630.239

7. Thu 196i tha6ng nhugng tai bao him 12 23 10.029.755.069 37.486.266.560

8. (Tang)/giam dtr ph6ng BT BH g6c va nhan tai BH 13 18 (21.587.791.152) 43.978.005.715

9. Tang/(giam) dtr ph6ng 1961 thtr6ng nhupng tai BH 14 18 5.620.230.636 (44.677.010.124)

10. Wing chi blii thu*ng bao hiim 15 (195.108.076.779) (147.719.580.698)

11. Tang dtr phong dao dt)ng Ian 16 18 (7.713.283.641) (5.992.549.483)

12. Chi phi khac hog dOng kinh doanh bao hi&ri 17 24 (182.253.877.007) (99.825.209.284)

- Chi hoa hang bao him 17.1 (123.669.824.340) (55.466.495.243)

- Chi phi khcic hoat Ong kinh doanh bao hiim 17,2 (58.584.052.667) (44.358.714.041)

13. Tiing chi phi hot depg kinh doanh bao him 18 (385.075.237.427) (253.537.339.465)

14. 1.91 nhuAn Op hog dOng kinh doanh bao him 19 314.334.212.078 298.753.129.271

15. Doanh thu hog clOng tai chinh 23 25 47.524.269.244 43.199.471.926

16. (Chi phOithu nhap hog dOng tai chinh 24 26 (64.834.352) 5.196.694.545

17. Lgi nhuAn gp hot dOng tai chinh 25 47.459.434.892 48.396.166.471

18. Chi phi quan 1/ doanh nghiCp 26 27 (256.952.134.672) (199.764.282.486)

19. Lyi nhuAn thuAn tir hot dOng kinh doanh 30 104.841.512.298 147.385.013.256

17

20. Thu nhap khac 31 335.787.675 690.584.850

21. Chi phi khac 32 (95.487.072) (139.314.949)

22. 1,9i nhOn khic 40 240.300.603 551.269.901

23. T6ng 19i nhu4n kt than truliv thud 50 105.081.812.901 147.936.283.157

24. Chi phi thu 6 TNDN hie,n hanh 51 28 (23.254.269.288) (32.700.422.447)

26. LIYi nhOn sau thud thu nhOp doanh nghib 60 81.827.543.613 115.235.860.710

30. Lai ca ban teen c6 phi6u 70 29 1.903 3.128

2.3 Bac) cao luu chuyen tin t

Don vi: Devi

Danh Muc MA s6 2015 2014

(phan loai lai)

I— Ltru chuyen tin tir hoat do;ng kinh doanh

1. Tin tir cac khoan ng phi va hoa h6ng 2 808.191.087.663 625.900.407.332

2. Tin thu tir cac khoan thu dtrgc giam chi 3 22.990.273.023 9.852.460.574

3. Teen thu tir cac hoat dOng kinh doanh khac 4 1.238.905.156.436 655.305.846.237

4. Tra tin b6i thirong bao him 5 (177.599.710.544) (160.763.930.499)

5. Tra tin hoa h6ng va cdc khoan ng khac dm KDBH 6 (180.176.239.467) (135.130.878.971)

6. Tra tiSn cho ngtroi ban, ngtroi cung cap dich vi 7 (100.181.567.255) (81.052.946.843)

7. Tra tin cho can bo cling nhan vien 8 (99.779.835.801) (102.610.115.173)

8. Tra tin nOp thus va cac khoan ngNha ntrac 9 (55.773.970.087) (41.537.744.030)

9. Teen tra cho cac khoan phai tra khac 10 (1.278.035.562.109) (822.614.224.637)

10.Teen irng trtrac cho ngtroi ban va tam dng cho CBNV 11 (59.403.059.350) (51.853.800.984)

Ltru chuyen tin thuAn tir hoat Ong sin xuAt ICD 20 119.136.572.509 (104.504.926.994)

II— Ltru chuyen tin tir hoat dOng du fir

1. Tin thu dr Tau ar vao tin giri có ki han 21 98.500.000.000 12.549.274.581

2. Teen thu tir Val du ttr 22 45.126.254.933 28.854.305.723

3. Tin chi cho du ttr vao tin giri có ki han 23 (296.725.291.700) (153.963.482.390)

5. Tin chi a mua sam tai san cij. dinh 25 (18.083.061.818) (19.890.287.308)

Luu chuyen tin thuAn tir hoat ding du ttr 30 (171.182.098.585) (132.450.189.394)

III— Ltru chuyen lien dr hoat Ong tai chinh

3. Tin lai dã tra cho cac nha dAu tix 36 (43.875.240.000) (37.377.500.000)

Luu chuyen tin thu'an tit. hoat Ong tai chinh 40 (43.875.240.000) (37.377.500.000)

Ltru chuyen tin thuAn trong nam 50 (95.920.766.076) (274.332.616.388)

Tien va twang &rung tin du nam 60 178.685.410.954 453.018.018.342

Tien va tuung throng tien cu6i nAm 70 82.764.644.878 178.685.410.954

(Thuyet minh 5)

Thuyect minh 5:

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Tin mat tai quy 3.125.314.411 1.502.768.136 Ti6n gfri ngan hang 41.639.330.467 48.682.642.818 Cac khoan Mang duang ti& (i) 38.000.000.000 128.500.000.000

82.764.644.878 178.685.410.954

(i) Day la khoan tin gai co ky han dueyi 3 thang bang VND tai cac chi nhanh ctia Ngan hang Nong nghi0 va Phat trien Wing them Vi't Nam ("Agribank"),huong lai suatnam tir 4% d6n 6% (31/12/2014: tir

7,5%). IWAIX0,1 DA! DIEN THEO PHAP LUAT • • • • \ ONG TV c' C6 PHA'N

CAO HIE-M NGAN

f;'IONG N

TONG GIAM o6c

eIeoeng cX4 'rind

Noi - fly ban chimg khoan NN (d6 b/c); - Sâ GDCK Ha NOi (d6 b/c); - Cpc GSBH-BTC (d6 b/c); - Luu TCHC,DTV.

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