IIIIII

Ml,JC Ll,JC

I Sang can doi ke toan riemg Ie giCl'anien doII

Sao cao ket qua heat dong kinh doanh rieng Ie giCl'anien doSao cao IlJ'U chuyen tien te rieng Ie giCl'anien do

Thuyet minh bao cao tai chinh rieng Ie giCl'a nien do

IIIIIIIIIII

BACABANK

Trang

1 - 2

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I. r ~. - - . -,

Trll so. chlnh: 117 OLYtmgQuang Trung, P. Quang Trung, TP. Vin~'7,"lgM An iOT: (84-238) 3844 2771 Fax: (84-238Y3841 757 IWebsite: www.baca-bank.vn

I

II

Nqan hang ThU'O'ng rnai Co phan Bac A Bi~u s6: B02a/TCTDBANG CAN 801 Kt: ToAN RII~NG LE GICrA NIEN 80tai ngay 30 thang 06 narn 2020

3010612020 3111212019Thuyet (trinh My I?i)minh trieu dong tri?u dong

TAl SAN

Ti~n mat, vang bac, da quy 3 594.808 568.389

Ti~n gu-i tCiliNgan hang Nha nU'

I

INgan hang Thuonq rnai Co phan Bac ABANG cAN £>01K~ ToAN RI~NG LE GIO'A NI~N £>0 (tiep theo)t

Nqan hang Thuonq rnai Co phan Bac ABAo cAo KET QuA HOAT m)NG KINH DOANH RII~NGLE GIO'ANIEN80cho Quy 2 ket thuc nqay 30 thanq 06 narn 2020

Bieu so: B03a/TCTD

- - -LOyke ur dau ky den ngay

Thuyet Ouy 212020 Ouy 212019 3010612020 3010612019minh Iri~ud6ng trieu d6ng Iri~u d6ng tri~u d6ng

Thu nhap Ifli va cac khoan thu nhap tU'O'ng11,.1' 20 2.265.809 2.261.283 4.857.787 4.285.202

Chi phi Ifli va cac khoan chi phi ttronq tl! 21 (1.756.487) (1.721.916) (3908.992) (3.345.425)

Thu nhap lai thuiin 509.322 539.367 948.795 939.777

Thu nhap 1Iyheat d(>ngdich vu 22 34.438 29.134 49.353 73.112

Chi phi heat d(>ngdich vu 22 (5.810) (8.290) (13.294) (19.452)

Uiil(lo) thuan tll' hoat d9n9 dlch V\l 22 28.628 20.844 36.059 53.660

Lail(lo) thuan tll' hoat d9n9 kinh doanh ngo~i hoi 23 (22.434) 1.186 (13.563) 7.281

Lail(lo) thuiin tll' mua ban chlfng khoan kinh doanh

Lail(lo) thuan tll' mua ban chlfng khoan dau tU' 24 15.476 7.373 22.498 (819)

Thu nhap II;' heat d(>ngkhac 30.158 787 31.065 22.308

Chi phi hoat d(>ngkhac (10.412) (4030) (10.948)(4.671)

Uiil(lo) thuan tll' hoat d9n9 khac 19.746 (3.243) 20.117 17.637

Thu nhi)p tll' gop von, mua co phan 5.772 5.772

TONG THU NHAP HO~T DQNG 550.738 571.299 1.013.906 1.023.308

Chi phi eho nhan vien 25 (138.486) (157.637) (257.192) (254.949)Chi phi khau hao va khau tny 25 (7.851) (7.689) (15.029) (15.197)

Chi phi h09t d(>ngkhac 25 (112.874) (103.004) (228.075) (206.194)

TONG CHI PHi HO~T DQNG 25 (259.211) (268.330) (500.296) (476.340)

LQ'i nhui)n thuan tll' hO

--------------------Nqan hang ThU'O'ng rnai Co phan Bac ABAo cAo K~T QuA HOATDONG KINH DOANH RIt.NG LE GIO'A NIENDO (tiep theo)cho Quy 2 ket thuc nqay 30 thanq 06 narn 2020

BiElUso: B03a/TCTD

LOyke ter c1fw ky den ngay

Thuy6t Ouy 212020 Ouy 212019 3010612020 3010612019minh trieu d6ng tri~u d6ng tri¢u d6ng tneu dong

Chi phi thue TNDN hien hanh 18 (34.746) (36.779) (70.330) (85.579)

Chi phi thue TNDN hoan lai

Chi phi thue TNDN (34.746) (36.779) (70.330)(85.579)

LQ'INHU~N SAU THUt 138.985152.888 281.321 348.087

NglfOi I~p

Giarn doc Ban Tai chinhKe toan I

Vinh, Vit';!tNam

Ngay .d5thang O:r-nam2020

NglfOi phe duyet

- ~? '

. iirl1Ka TONGGIAM DOC

:Be ./V?ttc J&", .HlH$t

Cac thuyet minh c1inh kem tir muc 1 c1en28 fa m(Jt phEW cue cac beo cao tai chinh rieng fe nay

4

I Ngan hang Thuonq rnai ce phan 8~c A Bi~u s6: B04a/TCTDBAo cAo LU'U CHUY~N TIEN TI; RIENG LE GIVA NIEN £)0cho Quy 2 ket thuc nqay 30 thang 06 narn 2020

Lay k@ tt) rJauky rJenngay

Thuyet 3010612020 30/0612019minh tri~u rJong tri~u rJong

LU'U CHUY~N TltN TLr HO~T DONG KINH DOANHThu nhap lai va cac khoan thu nnap tU'O'ngtl,l' nhan duoc 4.319.009 3.232.093Chi phi lai va cac chi phi tU'O'ngtl,l' da tra (3.764.355) (3.212.214)Thu nhap tLf heat dong dich VI,! 36.059 53.660Chenh I$ch so tien thl,l'Cthu/thvc chi tLf heat dong kinhdoanh ch(mg khoan, vanq bac, nqoai t$ 745.376 816.248

Thu nh$p khac (10.418) 3.120Tien thu cac khoan no da dU'Q'cXLrIy xoa, bu d~p b~ngnquon dl,l' ph6ng rui ro 30.535 14.578Tien chi tra cho nhan vien va heat dong quan Iy, cong vu (598.863) (496724)

Tien thue thu nhap thu'c nop trong ky 18 (91.368) (100.423)

Lu'u chuyen tien thuan tu. ho~t dQng kinh doanhtrU'o>cnh[l'ng thay doi ve tai san va von lU'u d¢ng 665.975 310.338

NhCPngthay 00; ve ta; san ho?t oC>ng(Tang)/giam cac khoan tien gLri va cho vay cac TCTDkhac (61.518) (356.586)(Hng)/giam cac khoan ve kinh doanh ch(mg khoan (3.242.224) (2.632.054)(Tang)/giam cac cong Cl,!TC phai sinh va cac tai san TCkhac 8.267 73.535

(Tang)/giam cac khoan cho vay khach htmg (1.081.738) (5.254.234)

ITang/(giam) nguan dl,l' ph6ng de bv dap ton that cikkhoan (tin dl,mg, chling khoan, dau tU' dai hi;ln) 5.625(Tang)/giam khac ve tai san hOi;ltdong (11.119) (34.561)

NhCPngthay odlve cong n9' ho?t oC>ng

I Hing/(giam) cac khoan nQ'Chinh phu va NHNN (16.894) 62.544Hng/(giam) cae khoan tien gLri, tien vay cac TCTD (5.982.508) (2.856.245)Tang/(giam) tien gLri cua khach hang (bao gam caKBNN) 8.118.376 4.500.935

I Hing/(giam) phat hanh giay tcyco gia (ngoi;li trLf giay tcyco gia phat hanh dU'Q'ctinh vao hOi;ltdong tai chlnh) 598.743 2.854.145Hing/(giam) von tai trQ', uy thac d~u tU', cho vay maTCTD chiu rui ro (2.467) (6.880)Tang/(giam) cac cong Cl,!TC phai sinh va cae khoan nQ'TC khacTang/(giam) khac ve cong nQ'hOi;ltdong 36.082 (101.172)

Tang/(giam) cac quy cua TCTD 101.569

I LU'u chuyen tien thuan tu. ho~t d¢ng kinh doanh (965.400) (3.338.666)LU'U CHUY~N TltN TLr HO~T DQNG DAu TU'Mua sam tai san co dinh (67.019) (5.902)

Tien thu tLf thanh Iy, nhU'Q'ngban TSCDTien chi ve thanh Iy, nhU'Q'ngban TSCD (2.130)

Mua sam bat dOng san dau tU'Tien thu tLf ban,thanh Iy bat dong san dau tU'Tien chi ra do ban, thanh Iy bat dOng san dau tU'Tien chi dau tU', gop von vao cac do'n vi khacTien thu dau tU', gop von vao cac dO'nvi khacTien thu co tlic va lQ'inhu$n dU'Q'cchia tLf cac khoan dau 5.772tU',gop von dai hi;ln

LU'u chuyen tien thuan tu. ho~t d¢ng dau.tll'(69.149) (130)

Cac thuy~l minh c1inhkem tif m(Jc 1 c1~n28 /a m¢l phfJn cua cac baa cao tai chinh rieng Ie nay

5

------- . -- ~-------------

Nqan hang Thu'onq rnai C6 phan Sac ABAocAo LVU CHUY~N TIEN TI; RIENG LE GILYANIEN 80 (tiep theo)eho Quy 2 ket thuc nqay 30 thang 06 nam 2020

III1

Thuy~tminh

LU'U CHUYEN TII~N TLYHO~T DONG TAl CHINH

Tang von dieu 1$Tlen thu tv phat nann giay t6' co gia dai han co du dieukien tinh vao von tl,l' co va cac khoan von vay dai hankhac .Tien chi thanh toan giay t6' co gia dai han co du dieuki$n linh vao von 11,1'co va cac khoan von vay dai hankhacC6 tIYCIra cho c6 dong, lo'i nhuan da chiaTien chi ra mua c6 phieu quyTiem thu duoc do ban c6 phieu quyLU'u chuy~n tiEln thuan t(J'hoat dQng tal chinh

LU'u chuyen tiEln thuan trong ky

Tien va cac khoan tU'O'ng dU'O'ng tit~n tal tho-i di~mdau ky

Dieu chinh anh hU'o-ngcua thay dbi tY giaTien va cac khoan tU'O'ng dU'O'ng tien tai tho-i di~mcuoiky

III

III·

NgU'cYi kiem soatNgU'cYi I~p

Giam d6c Ban Tai chinh

IVinh, Vi~t Nam

IIIIII

Bi€!u 56: B04a/TCTD

LOy k~ tt) rJ~u nam rJ~n ngay

3010612020 3010612019____ ::..:tn.L·~u::....::.rJ6::..:n:..;:z.g __;t:::.riL:~u::...:rJ::.:6::.:..:·n",-g

(1.034.549) (3.338.796)

13.126.239 12.699.282

26 _~ __ 12_._09=1=.6~9_0_~~_9;,; ..:..36;;.;0;,;..4,;,;;8..:..6

NgU'cYi phe duy~t

6

Cac (huye( minh cIinh kem (if ml,lC 1cIen 28 la m¢( phan cua cac bao cao (ai chinh rieng Ie nay

Nqan hang Thuonq mai C6 phan Bac ATHUYET MINH cAc BAo cAo TAl CHINH RIENG LE GIO'A NIEN 80t

Nqan hang Thuonq rnai Co phan Sac A Bi€!u 56: B05a/TCTDTHUYET MINH cAc BAo cAo TAl CHiNH RIENG LE GIO'A NIEN 80 (tiep theo)t

Ngan hang Thuonq rnai ce phan B~c A Bi~u 56: B05a/TCTDTHUYET MINH cAc BAo cAo TAl CHINH RIENG LE GIO'A NIEN DO (tiep theo)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

2. cAc CHiNH SACH KE ToAN CHI) Y~U (tiep theo)

2.3 Ky beo cao

Narn tai chinh cua Ng2ln hang b~t dEwvan ngay 01 thang 01 va ket tnuc van ngay 31 thanq12.

Bao cao tai chinh rieng Ie giCl'anien dQnay dU'Q'cI$p cho Quy 2 narn 2020 b~t dau van nqay01 thanq 04 narn 2020 va ket thuc van ngay 30 thanq 06 narn 2020.

2.4 Cae khoan cho vay va (Pngtnroc knect: hang

Cac khoan cho vay va u'ng truoc khach hang duoc cong bo va trlnh bay theo so dU'nc goctai thoi diem ket thuc ky bao cao.

2.5 Df!' phong rui ro tin dl,lng

Rui ro tin dl,mg thuan cua cac khoan cho vay khach hang dU'Q'ctfnh bang gia trj con I?i cuakhoan cho vay trl) gia trj cua tai san bao dam da du'Q'cchiet khau vai cac ty 1$theo cac quydjnh hi$n hanh cua Ngan hang Nha nU'ac.

Dl! phong Cl,lthe dU'Q'Ctrich I$p tren rui ro tin dl,lng thuan cua cac khoan cho vay theo cac ty1$tu'o'ng ung vO'itCrngnh6m nhU'sau:

Nhom

12345

Lo?i'

NQ'du tieu ChU2lnNQ'can chu yNQ'dU'&i tieu chulmNQ'nghi ngO'NQ'c6 kha nang mat von

, Tj1~;d:!J!~1f(frib~6ZfJM~~~0%5%20%50%100%

Thea quy djnh, dl! phong chung dU'Q'ctrich I$p de dl! phong cho nhCl'ngt6n that chUladU'Q'cxac djnh trong qua trlnh phan lo?i nQ'va trich I$p dl! phong Cl,lthe va trong cac tmO'ng hQ'pkh6 khan v§ tai chinh cua cac t6 chuc tin dl,lng khi that 1U'Q'ngcac khoan nQ'5Uygiam. Theod6, Ngan hang phai thl!c hi$n trich I~p va duy trl dl! ph6ng chung bang 0,75% t6ng gia trjcac khoan nQ'dU'Q'cphan IO

Ngan hang ThU'O'ng rnai Co phan Bac A Bi~u 56: B05a/TCTDTHUY~T MINH cAc BAa cAo TAl CHINH RIENG LE GICYANIEN £)0 (tiep theo)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cLing ngay

2. cAc cHiNH SACH KE ToAN CHU YEU (tiep theo)

2.7 Ch(mg khoan alw ur

2.7.1 Ch&ng knoet: giif den ngay dao nen

Chung khoan giCPden ngay dao han la cac chung khoan no dU'O'cNg21nhang mua han vairnuc dich d~lUtu de hU'ang lai suat. Chung khoan giCPden ngay dao han co gia tri dU'O'Cxacdinh va co nqay dao han cu the.

Cac chung khoan nay dU'O'cghi nhan theo rnenh qia tal thai diem mua, phan chiet khau/phl,ltro: la chenh lech am/du'O'nggiCPagia goc voi qia tri cua khoan ti€!ngom menh gia cong (+)lai don tich truce khi mua (doi voi chung khoan nO'tra lai sau) ho$c trv (-) lai nh~n trU'accha phan bE>(doi v&i chung khoan nO'tra lai trU'ac), dU'O'cphan b6 vao bao cao ket qua kinhdoanh rieng Ie giO'anien do theo phU'o'ngphap dU'ang th~ng trong suot thai gian con l

Nqan hang ThU'O'ng rnai ce phan B~c A Bi4u 56: B05a/TCTDTHUY~T MINH cAc BAo cAo TAl CHiNH RIENG LE GICrA NIEN 80 (tiep theo)tai ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq ngay

2. cAc cHiNH SACH KE ToAN CHU YEU (tiep theo)

2.9 oso tIP gop von dai hen khec .

Cac khoan d§u tU' g6p von dai han khac the hien cac khoan dau tu von vao cac don vi khacrna Ngan hang n~m dU'6'i20% quyen bieu quyet va d6ng thai Ngan hang la co dong sangI~p; hoac la doi tac chien 1U'Q'c;hoac c6 kha nang chi phoi nhat dinh vao qua trinh lap, quyetdinh cac chinh sach tai chinh va hoat d¢ng cua doanh nghi$p nhan dau tU' thong qua vanban thea thuan CLrnhan sv tham gia H¢i d6ng Ouan tri/Ban 8iI~u hanh.

Cac khoan dau tu nay dU'Q'cghi nhan theo gia goc, sau d6 dU'Q'cphan anh theo gia g6c trLPdv' phong neu c6. Dl,l' phong giam gia dU'Q'cghi nh~n vao bao cao ket qua hO

Nqan hang ThLPO'ng rnai Co phan Bac A Bi€!u so: B05a/TCTDTHUYET MINH cAc BAo cAo TAl CHiNH RIENG LE GILYANIEN 80 (tiep theo)tai ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

I 2. cAc cHiNH SACH KE ToAN CHU YEU (tiep theo)2.12 Khau haoKh2!Uhao cua tai san co djnh hO'u hinh va vo hinh dU'Q'ctinh theo phuonq phap dU'angth~ng trong suet thai gian SLPdunq uoc tinh cua tai san co dlnh nhu sau:

Nha cira, vat kien trueMay moe thiet biPhu'O'ngtien van taiThiet bi van phongQuyen su' dunq d~t co thoi han (*)Ph~lnrnern may tinh

08-38 narn03-13 nam06-11 narn03-05 narn

theo thoi han thue03-08 narn

(*): Ouyen SLP dl"mgdtlt cua Ngsn hang duo'c Nha nuoc giao khong thai han khong duoctrich kh~u hao. Ouyen SLPdl"mgd~t co thai han dU'Q'Ckhau hao theo thoi gian thue.

2.13 Ghi nh~n doanh thu va chi phi)

Doanh thu tCPlai cho vay va chi phi tra lai vay dU'Q'cghi nhi;ln trong bao cao ket qua ho?td¢ng kinh doanh rieng Ie giO'anien d¢ tren cO'sOodl,J'thu, dl,J'chi. Lai phai thu phat sinh tCPcac khoan cho vay phfm lo?i tCPnh6m 2 den nhom 5 theo cac quy dinh hii;!n hanh cua Nganhang Nha nU'Q>cse khong dU'Q'cghi nhi;ln vao bao cao ket qua ho?t d¢ng kinh doanh riengIe giO'a nien d¢. Uii phai thu cua cac khoan nQ'nay dU'Q'cchuy~n ra theo doi & tai khoanngo?i bang va dU'Q'Cghi nhi;ln vao bao cao ket qua ho?t d¢ng kinh doanh rieng Ie giO'aniend¢ khi Ngtm hang thl,J'cnhi;ln.

Cac khoan phi djch Vl,Jva hoa hong dU'Q'ch?ch toan tren cO'sOothl,J'cthu, thl,J'cchi.

Co tuc nhi;ln dU'Q'ctll' ho?t d¢ng dau tU' dU'Q'cghi nhi;ln vao bao cao ket qua ho?t d¢ng kinhdoanh rieng Ie giO'anien d¢ khi quyemnhi;ln co tuc cua Ngan hang dU'Q'cxac li;lp.

2.14 Cae nghi~p Vll bang ngo?i t~

Theo hi;! thong ke toan cua Ngan hang, tat ca cac nghi$p vl,Jphat sinh cua Ngan hang dU'Q'ch

Nqan hang Thu o'ng rnai Co phan Bac A Bi~u so: B05afTCTDTHUY~T MINH cAc BAo cAo TAl CHiNH RIENG LE GIO'A NIEN 80 (tiep theo)tai ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

2. cAc cHiNH SACH K~ ToAN CHU Y~U (tiep theo)

2.15 Thu~ thu nh~p doanh nghi~p (tiep theo)

Ng{m hang chi duoc bu tnr cac tai san thue thu nhap hien hanh va thue thu nhap hien hanhphai tra khi Ngan hang c6 quyen hop phap dU'Q'cbu trLf giiJa tal san thue thu nhap hienhanh voi thue thu nhap hien hanh phai nop va Ngan hang dt,J'dinh thanh toan thue thu nhaphien hanh phai tra va tai san thue thu nhap hien hanh tren cc sa thuan.

Cac bao cao thue cua Ngan hang se chiu st,J'kiem tra cua CO' quan thue. Do viec ap dl,Jngluat va cac quy dinh ve thue doi vai cac 10ctin dl,Jngphai tht,J'chi$nph~m10

II Ngan hang Thu'onq rnai ce phan B~c A Bi~u s6: B05a/TCTDI

THUYET MINH cAe BAo cAo TAl CHiNH RIENG LE GIO'A NIEN 80 (tiep theo)tai nqay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung nqay

IIII

2. cAc cHiNH SACH Kt: ToAN CHU YEU (tiep theo)

2.19 Can tnr

rai san va cong no tai chinh duoc can tn) va th~ hien gia tr] rang tren bang can d6i ke toanrieng Ie giiYa nien d¢ chi khi Ngan hang co quyen hO'Pphap de thuc hien viec can trtY vaNgan hang dl,J'djnh thanh toan tai san va cong no theo gia trj rang hoac viec tat toan tai sanva cong no xay ra d6ng thai.

2.20 Ditw chinh dtw ky

I

8au narn 2020, Ngan hang thuc hien mot so but toan dieu chinh theo yeu cau cua kiemtoan d¢c lap cho narn tai chinh ket thuc ngay 31 thang 12 nam 2019. Anh hU'cYngcua vi$cdieu chinh nay den sOli$u nam 2019 cua cac bao cao tai chfnh rieng Ie giiYa nien d¢ cho kybao cao Quy 2 nam 2020 nhU'sau:

Trich ttYbang can dOi ke toan rieng Ie t;;li ngay 31 thang 12 nam 2019:

Anh hU'&nqdo; va; f6nq ta; san:

3111212019

tr;~u rJong tr;~u rJong

3111212019(trinh bay /ng d6i v6>i tbng taisan

(652.914)

(14.512) 3.5882.988.252 ('-4_57....!.-)

(1.831) (654.745)

(10.924)2.987.795

II

1.301

Anh hU'&nqdo; va; t6nq nO'pMi tdJ va v6n eM sa hCfu:

3111212019 £);euehinh

tr;~u d6ng

3111212019(trinh bay /hCPu

283.736 261 283.997

810.648 1_.0_4_0 811.688

1.301

II

14

I

II Nqan hang Thuonq rnai ce phan Bac A Bi~u 56: B05a/TCTDI

THUYET MINH cAc BAo cAo TAl CHiNH RI~NG LE GIO'A NIEN 80 (tiep theo)tai nqay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 k~t thuc cung nqay

I

3. TII~N M~T, VANG BAC, nA QUY

3010612020 3111212019tri~u cJong tri~u cJong

Ti~n mat bang VN8 517.222 494.460Ti~n mat bang nqoai t$ 77.586 73.929

594.808 568.389

4. TI~N GlYI TAl NGAN HANG NHA NU'OC VII;T NAM ("NHNN")

3010612020 3111212019trie« cJong tri~u cJong

Ti~n gLri thanh toan tai NHNN 259.428 495.075Ti~n gLriphong tea (neu co)

259.428 495.075

5. TIEN GO'I vA CHO VAY cAc TCTD KHAc

3010612020 3111212019trieu cJong tri~u cJong

Ti~n gLri tai cac TCTD khac 11.037.455 12.062.775Cho vay cac TCTD khac 719.299 457.781DI,J'ph6ng rui ro

11.756.754 12.520.556

5.1 tu« giPi t~i eac TCTD khac

3010612020 3111212019trieu cJong irieu cJong

Tien 9lPi khong ky han 1.066.096 1.450.028

Bang VN8 55.356 315.611Bang nqoa: t$ 1.010.740 1.134.417

Tien 9lPi co ky han 9.971.359 10.612.747Bang VN8 9.940.000 10.600.000

Bang nqoai t$ 31.359 12.747

11.037.455 12.062.775

II

II

IIIIIIIIIIII

15

II Ngi:in hang Thuonq rnai Co phan B~c A Biflu so: B05a/TCTDI THUY~T MINH cAc BAo cAo TAl cHiNH RI~NG LE GIO'A NI~N DO (tiep theo)tai ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung nqayII

6. CHO'NG KHOAN KINH DOANH

3010612020 3111212019trieu cJ6ng tri~u cJ6ng----__::_:_;:_::_~-"'!...

IChLPngkhoan n9'Ch(fng chi tien guiKy phieu

ChLPngkhoan vonCh(fng khoan von do cac TCTO khactrong nuoc phat hanhCh(fng khoan von do cac TCKT trongnuoc phat hanh

ChLPngkhoan kinh doanh khac

DI,I' phong giilm gia chLPng khoan kinhdoanh . ,

5.494.7025.494.702

3.000.0003.000.000

136.500 136.500

I 136.500 136.500

II 5.631.202 3.136.500~--~-~~I 7.

cAc CONG Cl,JTAl CHiNH PHAI SINH vA cAc TAl SAN TAl CHiNH KHAc

IT6ng gia tri cue

hQ'pcJ6ng(theo tygia ngay hi~u tire

hQ'pcJ6ng)trieu cJ6ng

Tong gia trj ghi so ke teen (theaty gia tei ngay I~pMo ceo)

II

Taisantri~u cJ6ng

Congnotri~u cJong

I

T~i ngay 30/06/2020Cong c~ tai chinh phai sinh tien t~Giao dich hoan d6i tien te

Cong c~ tai chinh pMi sinh khac

T~i ngay 31/12/2019Cong c~ tai chinh phai sinh tien t~Giao dich hoan d6i tien te

Cong c~ tai chinh phai sinh kMc

19.37319.373

19.37319.373

27.64127.641

27.64127.641

IIII

16

I Nqan hang Thuonq rnai Co phan Sac A Bieu so: B05a/TCTDI THUYET MINH cAc sAo cAo TAl cHINH RI~NG LE GICrA NIEN 80 (tiep theo)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 k~t thuc cunq ngayII

8. CHO YAY KHAcH HANG

3010612020 3111212019tri?u 60ng tri?u 60ng

Cho vay cac t6 chuc kinh te, ca nhantrong nuoc 74.012.521 72.930.750Cho vay chi~t kh~1Uthuonq phieu va cacgiay to co giaCho vay bang v6n tai tro uy thac d~lUtU' 500 500Cho vay khac d6i voi cac t6 chuc kinh te,ca nhan trong nuoc 2.030 2.062

74.015.051 72.933.312II

Cho vay thu>o'ngmai gem cac khcan cho vay ng~n, trung va dai han, bao gem ca cac khoanvay dong tai tro rna Ngan hang lam dau mol, bang VN8 va d6 la My.

8.1 Phan tich chat 1U'9'T1gnCJ' cho vay

3010612020 3111212019tri?u 60ng tri?u 60ng

INQ'du tieu chuan 73.364.754 72.385.261NQ'can chu y 55.711 48.025NQ'dU'cYilieu chuan 271.029 264.743NQ'nghi ngo 29.135 17.576

I NQ'co kha nang mat v6n294.422 217.707

74.015.051 72.933.312

I 8.2 Phan tich dt» nCJ' theo thiYi gian 3010612020 3111212019trieu 60ng trieu 60ng

I NQ'ngan hph6ng Cl,JtheDl,J>ph6ng chung

176.512548.391

724.903

III 17

I

Ngan hang Thironq rnai Co phan Bac A Bieu so: B05a/TCTDTHUYET MINH cAc sAo cAo TAl CHINH RIENG LE GICrA NIEN £)0 (tiep theo)tai ngay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

9. THAY DOl (TANG/GIAM) COA Dl,J'PHONG ROI RO TiN Dl,ING (tiep theo)

Thay d6i dl,l' ph6ng rui ro tin dl,mg den het Quy 2 narn 2020 bao gem cac khoan sau:

Di» phOng Cl,J th~ Of! phOng chung Tong eOngtrieu rJ6ng trieu rJ6ng trieu rJ6ng

So dU' dau ky 121.502 533.243 654.745

Dl,l' ph6ng rui ro trich I$ptrong ky 55.024 18.958 73.982s6 hoan nh$p dl,l' ph6ngtrong ky (14) (3.810) (3.824)se dU'ph6ng da stYdl,mg deXLRR trong ky

So dU' cuoi ky 176.512 548.391 724.903

Thay d6i dl,l' ph6ng rui ro tin dl,mgtrong narn 2019 bao gem cac khoan sau:

Of! phOng cu th~ Of! phOng chung Tong cOng~u~g ~u~ng ~u~~------~~~=-------~--~

471.284122.395 593.679So dU' dau kyDl,l' ph6ng rui ro trich laptrong kyse hoan nhap dl,l' ph6ngtrong kyse dl,l' ph6ng da stYdunq deXLRR trong ky

2.489 62.542 65.031

So dU' cuoi ky

(1.257) (583) (1.840)

_____ (;_2_.1-=-25:..!..) .!.::(2~.1~2.::.!...5)

121.502 533.243 654.745---------=----------------10. CHUNG KHOAN DAu TU'

3010612020 3111212019trieu rJ6ng tri~u rJ6ng

15.371.278 14.629.381

15.384.028 14.636.5068.260.270 8.266.224

7.123.758 6.370.282

5.420.475 5.420.282

1.703.283 950.000

Chu.ng khoan dau tU' san sang de ban

Chvng khoan n(YChLfng khoan nQ'Chinh phuChLfng khoan nQ' do cac TCTD khactrong nU'oc phat hanh

Ch&ng kho{m n9' eua cae TCTOrJU'Q'cChinh pM baa tanhChu'ng khoan n9' eua cae TCTOkhae

ChLfng khaan nQ' do cac TCKT trongnU'oc phat hanhDU' ph6ng giam gia chLfng khoan sansang de ban

Chu.ng khoan dau tU' giCPden ngaydao hC;lnTrai phieu dac bi$t do VAMC phat hanhDl,l' ph6ng giam gia trai phieu d~c bi$tdo VAMC pMt hanh

(12.750) (7.125)

8.682 100.483473.078 473.078

(464.396) (372.595)

15.379.960 14.729.864

18

NgEIn himg Thuonp rnai Co phan Bac A Bi~u so: B05a/TCTDTHUY~T MINH cAc BAo cAo TAl CHINH RIENG LE GILrA NIEN 8

II

III

I

III

NgEln hang Thuonq rnai Co phan Bac A Bi~u so: B05a/TCTDTHUY~T MINH cAc BAa cAo TAl cHiNH RI~NG L~ GIO'A NIEN eo (ti§p theo)tai ngay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq ngay

12. TAl SAN co KHAc (tiep theo)

12.2 Tai san Co khiic

3010612020 3111212019trieu aong trieu aong

Oy thac dau tuChi phi cho phan bo 18.058 20.136Hi san gan no cho XIYIyHi san co khac 19.117 19.648

37.175 39.784

13. cAc KHOAN NO' CHiNH PHU vA NHNN

3010612020 3111212019tri~u aong tri~u aong

Vay NHNN 179.153 196.047

Vay theo ho so tin dl,mg 179.153 196.047Vay chiet khau, tai chiet khau cac giay toco giaVay cam co cac giay to co gia

Vay BQ rai chinhCac khoan nQ' khac

179.153 196.047

14. TIEN GLrI vA VAY cAc TCTD KHAc

3010612020 3111212019trieu dong trieu dong

Tien glYicac TCTD khac 8.445.932 13.067.379Vay cac TCTD khac 230.010 1.591.069

8.675.942 14.658.448

14.1 tu« giPi cua cac TCTD khiic

3010612020 3111212019tri~u dong tri~u aong

Tien 9wi kh6ng ky hanBang VN£>Bang nqoai t$

Tien gwi co ky hanBang VN£>Bang nqoai t$

8.445.932 13.067.3797.702.604 12.302.604

_____ 7;,_4;,_:3;,_.3:.,_2::..::...8 7;__6_4_.7_7...:..,5

8.445.932 13.067.379~--~--~=

20

I Nqan hang ThU'O'ng rnai Co phan Bac A Bieu so: B05a/TCTDI THUY~T MINH cAc sAo cAo TAl cHiNH RIENGLE GIO'ANIEN80 (tlep theo)ti;li ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

14. TIEN GO'I vA VAV cAc TCTD KHAc (tiep theo)

14.2 Vay cue cac TeTD khae

Bang VNDTrang r:JD:Vay chief khau, fai chief khau

Bang nqoai t~Trang r:JD:Vay chiet khau, fai chiet khau

3010612020 3111212019fri~u r:Jong trieu r:Jong

229.000 1.590.0621.360.562

1.010 1.007

230.010 1.591.069

II

15. TIEN GO'I CLlA KHAcH HANG

3010612020 3111212019tri~u r:Jong tri~u r:Jong____ .....::_.::....::.__::.,:__.2.,

983.673 1.358.589967.258 1.335.923

I

TiE!ng(vi khOng ky hanTiEmgLYikh6ng ky han b~ng VN8Tien gLYi ti~t ki¢m kh6ng ky han bangVN8Tien gLYikh6ng ky han b~ng nqoai tt\'!Tien gLYitiet kiem khOng ky han bangnqoai t$

TiE!ng(vi eo ky hanTien gLYico ky han bang VN8Tien gLYitiet kiern co ky han bang VN8Tien gLYico ky han bang nqoai t$Tien 9LYitiet ki$m co ky h~n Qang ngo?i t$

TiE!ng(vi von chuY€!n dung

Tien ky quyTiemgLYiky quy bang VN8Tien gLYiky quy bang ngoi;li t$

4716.368

4722.619I

I 83.372.2402.269.72281.018.018

74.848.1071.420.400

73.342.523

84.500 85.184

1.631 3.481

36.372 65.36336.358 65.349

14 14--------84.393.916 _;.7~6',;;;.27;",.;5;....5;_4..;..0

16. PHAT HANH GIAV TO' co GIA THONG THU'ONG

Kyh?n

TLP 12 thang d~n 05 namTLP 05 nam tr& len

3010612020 3111212019tri~u r:Jong tri~u r:Jong----.....::_;__:;_:_-'!...5.282.997 5.184.254

_____ 1~.4_5:...:0_.0~0~0 9_5_o_.o_0_o

6.732.997 6.134.254--~-----IIIII

21

Ng2ln hang Thuonq mai Co phan Sac A Bieu so: B05a/TCTDTHUYET MINH cAc BAo cAo TAl CHiNH RII~NG LE GILrA NIEN 80 (tiep theo)tai ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

17. cAc KHOAN PHAI TRA vA CONG NO' KHAc

3010612020 3111212019tri(w cJong tri~u cJ6ng----~'-:..__-"'-

Cac khoan pha: tra noi beCac khoan phai tra ben nqoaiQuy khen thLl'o'ng, phuc IQ'i

112.313 190.45367.222 86.5575.908 6.987--------

185.443 283.997----~;:",;;";,;;,,,:;..;_

18. TiNH HiNH THl,I'C HII~N NGHTAVl,Jval NGAN SACH NHA NU'acDan vi: tri~u cJ6ng

s6 dir Phat sinh trong ky s6 dircJfJUky s6 phai n9P So cJan9P cuoikY

Thue GTGT 3.110 7.265 7.618 2.757Thue TNDN (*) 55.784 70.330 91.368 34.746Cac khoan phainop khac va cackhoan phi, 1$phi 20.619 53.660 51.104 23.175

79.513 131.255 150.090 60.678

(*) Can CLYNghi dinh 218/20 13/N8-CP ban hanh ngay 26/12/2013 hLl'ong dan thi hanh t.uatthue thu nhap doanh nghi$p ngay 03/06/2008 va t.uat sua doi, bo sung mot so dieu cuat.uat thue thu nhap doanh nqhiep ngay 19/06/2013, Ngan hang co nghTa vu nop thue thunhap doanh nqhiep 20% tren tong thu nhap chiu thue k~ ttYngay 01/01/2016.

Cac bao cao thue cLla Ngan hang se chiu SI,!' kiem tra cLla cO'quan thue. Do vi$c ap dl,mglu

- - - - - - - -Nqan hang Thuonq rnai ell phan Bac A Bieu so: B05aITCTD

THUYET MINH cAc BAo cAo TAl cHiNH RIENG LE GIO'A NIEN £)0 (tiep theo)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

19. VON vA cAc au? CLIA TO CHUC TiN Dl)NG

19.1 Beo cao tinh hinh thay d6i von chu so. luru

Tinh hinh thay d6i von cua Ngan hang tLYdau narn den het Quy 2 narn 2020 dU'Q'Cthe hien trong bEmgduoi day:

Don vi: tri~u a6ng

LQ'inhui[ln sau

Von TIli;ing dU'von Ouy aau u» pMt Ouy dvph6ng Ouy dv trli' bc5 Ouy kMe thuQe thue cnue phanah~uI~ ec5 f!_han trh~n tiJi ehinll sung vein aieu If; von eM s&hiru pheii! La lOy ke Tong eQng

So du' dau ky 6.500.000 7.398 564 337.471 148.474 811.688 7.805.595Tiing trong ky 281.321 281.321

Tang vbn trong kyLQ'i nhuan tang trongky 281.321 281.321Trich b6 sungcac quycho ky truceTam trieh lap cac quydl,l'trli' choky nayCac khoantang khac

Giam trong kySlr dl,mgtrong kyMuaeb phieuquyChia e6t(Joenam tmaeTam (Jonge6 t(JocnamnayCaekhoimgiam khac

56 dll' cu6i ky 6.500.000 7.398 564 337.471 148.4741.093.009 8.086.916

23

I Ngan hang Thu'onq rnai Co phan B~1cA BiElUso: B05a/TCTD

I THUY~T MINH cAc BAo cAo TAl CHiNH RII~NG LE GIO'A NIEN £)0 (tiep theo)thiPu (tiep theo)

Chi tiet phan von d~u tu cua Ngan hang nhv sau:

Tong von gop (eo dong, thanh vien)

V6n g6p c6 ph/wTh~ng dU'von eo ph~lnCo phieu quy

3010612020 3111212019tri~u cJong tri~u cJong

6.500.000 6.500.000

6.500.000 6.500.0007.398 7.398

6.507.398 6.507.398

Chi tiet eo phieu cua Ngan hang nhv sau:

I3010612020 3111212019

c6 phieu c6 phieu-------'---

II

s6 /U'c;mgc6 phieu cJang ky pMt hc!lnhs6 /U'Q'ngc6 phieu cJaban ra cong chungCo phieu pho thongCo phieu uu di3i

s6 /U'Q'ngc6 phieu cJU'Q'cmua /?iCo phieu pho thOngCo phieu uu di3i

s6 /U'Q'ngc6 phieu cJang iuu hc!lnhCo phieu pho thongCo phieu U'udai

M~nh gia c6 phieu cJang lU'u hanh(d6ng/co phieu)

650.000.000

650.000.000

650.000.000

650.000.000

650.000.000

650.000.000

I 650.000.000650.000.000 650.000.000650.000.00010.000 10.000

I 20. THUNH~PL~vAcAcKHOANTHUNH~PTVO'NGTVI

Cho giai cJo?n tai Cho giai cJo?n faichfnh kef fhuc ngay chfnh kef thuc ngay

3010612020 3010612019tri~u cJong tri~u cJong-------''----'''-

I Thu nh$p li3itien guiThu nh$p lai cho vay khach hangThu li3i tLl' kinh doanh, dau tU' chungkhoanThu phi tLl'nghi$p Vl,lbao li3nhThu khac tLl'hO

II Nqan hang Thironq rnai Co phan Bac A Bieu so; B05a/TCTDI THUYET MINH cAc sAo cAo TAl cHiNH RIENG LE GICrA NI~N 80 (tiep theo)tal ngay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngayII

21. CHI PHi LAI vA cAc KHOAN CHI PHi TU'O'NG TV'

Tra lai tien g&iTra lai tien vayTra lai phat hanh giay tc c6 giaChi phi hoat dong tin dl,mg khac

III

22. LAI/(LO) THUAN TO' HO~T DQNG D!CH vu

IThu nhap tll>hoat dQng dlch vu

Heat dong thanh toanHeat dong nqan quyDich Vl,l uy thac va d~i IyDich vu tll' V~1nDlch vu khac

Chi phi hoat dQng djch vuHo~t dong thanh toanSu'u di$n, vi~n thongHO

Nqan hang Thu onq mai Co phan Bac A Bi~u so: B05a/TCTDTHUY~T MINH cAc BAo cAo TAl CHINH RIENG LE GICrA NIEN 80 (tiep thee)tai nqay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq ngay

23. LAl/(LO) THUAN TIJ HOAT DONG KINH DOANH NGOAI HOI

Cho giai iioen tai Cho giai doen taichfnh ket tbuc ngay chfnh ket tnuc ngay

3010612020 3010612019trieu cl6ng trieu cl6ng____ ~~=-=-:E..

Thu nhap tll' heat d9n9 kinh doanhngoC;lihoiThu tLl'kinh doanh nqoai t$ giao ngayThu tLl' cac cong C\) tai chinh phai sinhtien t$

Chi phi hoat d9n9 kinh doanh nqoaihoiChi ve kinh doanh nqoai t$ giao ngayChi ve cac cong C\) tai chinh phai sinhtien t$

Uii/(Lo) thuan tll' heat d9n9 kinh doanhnqoai h6i

48.563

48.563

33.468

33.468

(62.126)

(62.126)

(26.187)

(26.187)

= (:...1.,;.3.;.;;,.5.,;_63;.:,.)~= __ ~_7..;;.2;;,;;8..:.1

24. LAI/(LO) THUAN TlJ MUA BAN CHUNG KHOAN

24.1 Lail(Lo) thuan tIPhoet dgng mua ban ch(Fng knoen dau tU'

Thu nhap tLl'mua ban chLmg khoan dau tU'san sang de banChi phi ve mua ban chLrng khoan dau tU'san sang de banChi phi dl.,l'ph6ng giam gia chung khoandau tU'san sang de ban

Uii/(Lo) thu§n tll' mua ban ch(fng khoandau tU'

Cho giai aoen tai Cho giai tioen te!chfnh ket tnuc ngay chfnh ket tbuc ngay

3010612020 3010612019tri~u clang trieu clang----~~-~

34.440 11.687

(6.317)

________ ~(~5.~6~25~) __

(12.506)

22.498 (819)=-====-===~~

26

- -- - -------

Ngan hang Thu-o'nq rnai Co phan Bac A Bieu 56: B05a/TCTD

I THUY~T MINH cAc sAo cAo TAl CHiNH RIENG LEGICYANIEN 80 (tiep thee)tai ngay 30 thang 06 narn 2020 va che Quy 2 narn 2020 ket thuc cunq ngayI 25. CHIPHiHOAT DONG

Cho giai aoen tai Cho giai ao?n leiehfnh ket thUengay ehinh ket thUengilY

3010612020 3010612019trieu aong tri~u aong

2.067 2.112

257.192 254.949185.029 188.33026.155 25.235

839 54845.169 40.836

83.148 78.254

15.029 15.197

3.817 4.7573.697 4.395

120 362

57.867 53.016

96.205 83.252

500.296 476.340

Chi nQp thue va cac khoan phi, I~ phi

Chi phi cho nhan vienChi IU'O'ngva phu capCac khoan chi dong gop theo IU'O'ngChi tro capChi khac cho nhan vien

Chi ve tal sanTrang a6:

Khiw hao tei san co ajnhChi cho heat dQng quan Iy cong vuCong tac phiChi ve cac hoat dong doan the cuaTCTD

Chi nQp phi bao hi~m, bao toan tien glPicua khach hang

Chi phi hoat dQng khac

I 26. TIENVAcAcKHOANTVONGDVONGTIENTien va cac khoan tU'O'ngdU'O'ngtien thuan the hien tren bao cao lU'u chuyen tien t~ rieng IegiCfanien do bao gom cac khoan tren bang can doi ke toan rieng Ie giCfanien do sau day:

3010612020 3010612019tri~u aong tri~u aong

I Tien va cac khoan tU'O'ngoU'O'ngtien tc;liquy 594.808 503.561Tien glii t

Nqan hang Thuonq mal Co phan Bac A Bieu 56: B05a/TCTDTHUYE:T MINH cAc BAo cAo TAl CHINH RIENG LEGIO'A NIEN 80 (tiep theo)tai nqay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

27. RUI RO TH! TRU'ONG

27.1 Rul ro fa; su~t

Thoi han dinh lai lai suat thvc te la thoi han con lai tinh tLPthoi di~m I?p bao cao tai chinhcho toi ky djnh lai lai suat gan nhat cua cac khoan rnuc tai san va nguon von.

Cac gia dinh va dieu kien sau duoc ap dunq trong phan tich thai han dinh lai lai suat thuc tecua cac tai san va conq no cua Ngan hang:

~ Tien mat, vanq bac da quy; g6p von dau tu dai han va cac tai san c6 khac (bao gom taisan co dinh, bat dong san dau tU' va tai san c6 khac, trLPuy thac dau tU') dU'Q'c xep 10

- - - - - - - - - -Nqan hang Thuonq rnai Co phan Sac A Bieu so: B05a/TCTDTHUYET MINH cAc BAo cAo TAl cHiNH RIENG LE GILYA NIEN £)0 (tiep thea)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

27. RUI RO TH! TRU'CYNG (tiep thea)

27.1 Rui ro lai suat (tiep thea)Don vi: tri~u dong

Khong bi anhhwng do c1inh

Qua hen f?; fa; suJt f)~n 1 thang TIJ>1- 31hang TCP3 - 6 thang Til' 6 - 12 [hang Til' 1- 5 nam Tten 5 nam Tong c{jng

TaisanTieln mat, vanq bac, da quy 594.808 594.808

Tien gCPitai NHNN 259.428259.428

Tien gCPitai va cho vay cac TCTD 5.237.455 6.000.000 519.299 11.756.754khac (*)Chung khoan kinh doanh (*) 136.500 210.300 5.284.402 5.631.202

Cac conq CI,J tai chinh phai sinh va 19.373 19.373cac tai san tai ehinh khac (*)Cho vay khach hang (*) 650.297 3.944.963 3.338.046 10.621.054 11.791.509 14.602.306 29.066.876

74.015.051

Chung khoan dtlU tu (*) 473.078 10.834.908 4.549.12015.857.106

G6p von, d~u Ill' dai han (*) 397.660 397.660

T~i san co dinh va bat dong san 720.073 720.073dautLl'rai san C6 khac (*) 2.980.296

2.980.296

Tong tai san 650.297 5.165.915 9.597.719 9.338.046 10.621.054 12.001.80930.721.616 34.135.295 112.231.751

NQ' phai traTien gCPi va vay tLl' NHNN va cac 3.145.932 4.500.000 1.029.000 13.797 166.366 8.855.095TCTD khacTien gCPicua khach hang 61.080 5.762.101 4.793.574 9.283.331 11.477.573 23.301.160 29.715.097

84.393.916

Cac eong cu tai ehinh phai sinh vacae khaan eong nQ'tai ehinh khaeVon nhi;in tai trQ', uy thae d~u tLl', 3.120 3.120eho vay rna TCTD ehiu rui roPhat hanh giay tcyco gia 210.585 507.954 5.514.458 500.000

6.732.997

Cae khoim nQ'khae 2.946.7342.946.734

T6ng nQ' phai tra 3.007.814 8.908.033 9.293.574 10.522.916 11.985.52728.832.535 30.381.463 102.931.862

M(Joeeh{mh nh~y cam v6>i Iilisuat 650.297 2.158.101 689.686 44.472 98.138 16.2.82 1.889.081 3.753.832 9.299.889nQibang

(*J: khOng baa gam dl,l'phOng ru; ro

29

'IIIIIIIIIIIIIIIIIIIII

- - - ------------------

Nqan hang Thuo'nq mai Co phan B~c A Billu so: B05a/TCTDTHUY~T MINH cAc BAo cAo TAl CHINH RI~NG LE GICrA NI~N DO (tiep theo)tai nqay 30 thanq 06 nam 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

27. RUI RO TH! TRU'O'NG (tiep theo)

27.2 Ru! ro ti~n t~

Rui ro til~n t$ la rui ro rna gia tri cua cac c6ng cu tai chinh bi thay doi xuat phat tLPnhCrngthay doi ve ty gia.

Ngan hang duoc thanh lap va heat d¢ng tai Vi$t Nam voi dong tien bao cao la VND. Dongtien giao dich chinh cua Ngan hang cOng la VND. Cac khoan cho vay va LPngtruce khachhang cua Ngan hang chu yeu bang VND, mot phan bang d6 la My. Tuy nhien, mot so taisan khac cua Ngan hang tal bang cac dong tien khac nqcai VND va d6 la My. Ngan hang dacua ra mot h$ thong h

Nqan hang Thuonq mai Co phan Bac A Bieu so: B05a/TCTDTHUYET MINH cAc BAo cAo TAl CHiNH RIENG LEGIO'A NIEN 80 (tiep theo)tai nqay 30 thanq 06 narn 2020 va cho Quy 2 nam 2020 k~t thuc cunq nqay

27. RUI RO TH! TRU'ONG (tiep theo)

27.2 Rui ro t;{m t~ (tiep theo)

PhEWloai tai san va conq no theo loai tien t$ df:ldU'Q'Cquy doi sang VN8 tai nqay 30 thanq 06 narn 2020 nhu sau:Don vi. tri~u oang

Tai sanTien mat, vanq bac, da quyTien gui tai NHNNTien gLl'it'phai tra va von ehu sa hfruTien gui cua va vay tLl'NHNN va cac TCTO khaeTien gui eua khach hangCac eong el,l tai chinh phai sinh va cae khoan eongnQ'tai ehinh khaeVon nh

---:=----------- - ---

Ngtm hang ThLPO'ngrnai ce phan Bac A Bi~u so: B05a/TCTDTHUY~T MINH cAc sAo cAo TAl CHiNH RIENG LE GIO'A NIEN co (tiep theo)tai nqay 30 thang 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cung ngay

27. RUI ROTH! TRU'aNG (tiep theo)

27.3 Rui ro thanh khotw

Rui ro thanh khoan 113rui ro Ngtm hang 9c;lPkh6 khan trong viec thuc hien nhCrngnghia Vl,lcho cac conq no tai chinh. Rui ro thanh khoan phat sinh khi Ngan hanq co th~ khong du khanang thuc hi$n nghia vu tra no khi nhCmg cong no nay den han (y nhCmgthai di~m binhthu'ang noac kh6 khan. £l~ qiarn thi~u rui ro thanh khoan, Ngan hang phai huy dQng tli'nhieu ngu6n da danq khac nqoai ngu6n von CO' ban cua Nqan hang. £long thai, Ng'an hangcan c6 chinh sach quan Iy tai san c6 tinh thanh khcan linh heat, theo doi dong tien tU'ang laiva tinh thanh khoan hang nqay, Ngan hang cOng can danh gia dong tien dl,l' kien va khanang san c6 cua tai san dam bao hi$n t

- ... - -- .. - - - - - --Nqan hang Thironq rnai Co phan Bac A Bieu so: B05a/TCTDTHUYET MINH cAc sAo cAo TAl CHiNH RIENG LEGILrA NIEN 80 (tiep thea)tai nqay 30 thanq 06 nam 2020 va cho Quy 2 narn 2020 k~t thuc cunq nqay

27. RUI RO TH! TRU'O'NG (tiep thea)

27.3 Ru; ro thanh khoan (tiep thea)

EJO'nvi: tneu cJ6ngQua hen Trang hen

Tri'm31Mng Den 31Mng Den 1 tMng Tu' 1- 3 IMng TCr3 - 121Mng TiI'1 - 5 nem Trer: 5 n8m T6ng c¢ng

Tai sanTielnmat, vanq bac, da quy 594.808 594.808

Tieln gCritai NHNN 259.428 259.428

Tien 9Criva cho vay cac TCTD khac (*) 8037.455 3.200.000 519.299 11.756.754ChCrngkhoan kinh doanh (*) 346.800 750.944 3.147.764 1.385.694 5.631.202

Cac conq cu tai chfnh phai sinh va cac tai 19.373 19.373san tai chinh khacCho vay khach Mng (*) 260.119 390.178 7.586.467 9.407.220 12.701.886 32.333.099 11.336.082 74.015.051

Chlfng khoan dtlu tU' (*) 7.319.676 3.988.311 4.549.119 15.857.106

G6p von, di=.tutty dai han (*) 270.660 127.000 397.660

Tai san co dinh va bat dong san dau tu 196.647 523.426 720.073

Tai san C6 khac (*) 298.029 1.192.119 1.490.1482.980.296

T6ng tai san 260.119 390.17817.142.360 14.550.283 24.659.474 38.174.411 17.054.926 112.231.751

Ng phai traTien gCriva vay tu' NHNN va cae TCTD khae 5.646.422 3.029.000 116.592 63.081 8.855095

Tien gCrieua kMch Mng 7.595.452 10.971.209 20.254.540 30.381.810 15.190.905 84.393.916

Cae eong el) tai ehfnh pMi sinh va caekhoan cong nO'tai ehinh khacVbn nh

IIIIIIf

Ngan hang Thuonq rnai Co phan Bile A BiElUso: B05a/TCTDTHUYET MINH eAe sAo cAo TAl CHiNH RIENG LE GIO'A NIEN 80 (tiep theo)tai ngay 30 thtlng 06 narn 2020 va cho Quy 2 narn 2020 ket thuc cunq nqay

28. cAc SI)' KleN SAU NGAv LAP BANGCANeOI K~ ToAN

Khong co Sl,I' ki$n quan trong nao xay ra ke tLPngay I~p bang can doi ke toan yeu cau phaico cac dieu chlnh hoac thuyet minh trong cac bao cao tai chinh rieng Ie giQ>anien d9.

NgU'cYiphe duyet

III

Vinh, Vi$t Nam

NgayAS" thang Qtnam 2020

.~~~G GIAM DOC

$e j{ff'tC CJ&~ Jlk$t

IIIIIIIIIII

34

2020-07-20T09:11:51+0700