2. Bao cao cua Ban kiem soat va Bao cao kiem toan Doc lap

2. Bao cao cua Ban kiem soat va Bao cao kiem toan Doc lap tài liệu, giáo án, bài giảng , luận văn, luận án, đồ án, bài t...

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Doc Lap - Tu Do - Hanh Phuc

o0o Com kdt lor ich coo nhdt

s,{N KIEN{ soAr Tp.H6 Chi Minh, ngd.y )L gr6nt 03 ndn 2017

DAr HQr CO O6NC THLTONG lltN NAnr ZOrO

sAo cAo c0A BAN rltnl soAr

Kinh gui: Quf vi C6 a6ng.

- Cdn ct Diiu 45 LuQt Tli ch*c Tin d.ung ndm 2010 vi nhiQn tu, quyin hqn cio Ban kiim soit

- Cdn ah Diiu tQ ti chuc vd hoat dQng cia Ngdn hdng TMCP Phit Triik Tp.Hi Chi Minh (HDBanb

- Cdn ct tinh hinh hoat dAng cia HDBank, Bd.o crio cia Hfi ding Quon tri, Ban Diiu hinh vd kit

qud hoat d6ng cia Ban Kiim soat trong ndm 2016

Ban Ki,5m so6t b6o c6o D4i HQi tfdng Cri d6ng HDBank vi hoat dQng cta Ban Kidm so6t vir

k6t qua thim tra b6o c6o tai chinh hgp nh6t cta HDBank nlm 20 t6 nhu sau:

I CO CAU TO cHUc vA HoAT DQNG CHiNH cUA BAN KIEM soAT NAM 2016:

1 Co cAu tri chrirc vi nhiQm vg chinh:

Ban Ki6m soiit HDBank (BKS) trong ndrn 2016 bao gdm 03 thinh vi€n chuyEn triich Trong

nim 2016, Ban Ki€m so6t da hoan then! c6c nhi6m vu chinh sau ddy:

- Gi6m s6t tinh tuan thri tuong c6ng tec qudn tri diiu hinh, cin cri tr€n c6c quy dlnh crla Ph6p

ludt, quy dinh cia Ngdn hang Nhi nudc Vi€t Nam vi Didu 16 hoat dQng c0a HDBank.

- Dinh lcy <lrtrh giri tinh hiQu qui cria c6ng tiic qurin tri diiu hi,nh nhim dem bao Ngin hang

det duqc muc tiCu ho4t ddog di ra, ph6t tridn 6n dinh an toen vA hiQu qud

- Thyc hiQn chuc nAng ki6m to6n n$i b6 th6ng qua phong KiCm to6n NOi bO Gi6m s6t, d6LnI

gi6 hiQu qud cia hoat dong kiem torn noi bO theo kC hoech ho4t tl$ng d€ ra

- ThArn dinh b6o c6o tii chinh 6 thrturg vd b6o c6o nim 20t 6

2 C6ng tric ki6m todn n6i bO (KTNB) trong trnm 2016

Voi muc ti6u gi6m sdt hoat d6ng cia h€ th<ing Ban Ki6m soet da ph€ duyft kd hoach kidm

to6n n6i b$ ndm 2016 b6m s6t ydd ki! hoach kinh doanh cria hQ thi'ng, t4p trung ngudn lgc vio

viQc kidm sodt crinh bdo cdc rui ro trgng y€u

CAn crl kii hoqch ki6m toiin dd ra cho nam 2016, Ban kidm sodt lidn tuc chi dao vi thu&ng

xuydn gidm s6t c6ng tdc tridn khai nhifm vu cta KTNB, cu thi:

- Trong nAm 2016 Ban ki€m soit dd td chuc 4 phi6n hgp dinh k! hirng quy ddng thoi hing

th6ng hqp giao ban voi kidm torin ngi bQ nhim tong hqp vir d6nh giii c6c ghi nh{n, ph6t hi€n

crla KTNB, kip thdi niIn bit tinh hinh ho4t dQng cta h€ th6ng d6 chi d4o c6c hoat dong gi6m

s6t tii5p theo Thdng qua c6c cuQc hgp, Ban Ki6m sodt dan}r gi6 k6t qud hoat dQng cria KTNB

trong kj,, x6c dinh c6c chiit, c5c nQi dung chiDir yeu trong ttng ki, h5 tlq th6o gd crlc kt6 khnn

tong c6ng t6c kiiim tofui.

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l'6

Ban Ki6m so6t <td t6 chric c6ng tric gi6m s6t rlinh kj,hirng theng/qui tren cdc iinh ruc ddu

tu, kinh doanh v6n, tin dung, diu tu xiy dtrng co bdn va mua sim tai san, c6ng ngh€ th6ng tin, hach to6n k6 to6n, tu6n tht c6c tj 16 ddm b6o an todn hoat d6ng; Gi6m set thuong xuy€n viQc

thlrc hiQn cric Nghl quyCt, quy6t ainh cta Dqi Hoi dong C6 d6ng vir HQi tldng Qudn tri; Gi5m set viec thuc hi€n khuy6n nghi cua Ban Ki6m so6t vi c6c khuy6n nghi cta Co quan Thanl tra Giem s6t Ngan heng Nhd nudc; Thuc hidn thim dinh b6o cdo tiri chinh o th6ng vi brio c6o tdi

chinh nEm

- Tt c6c ghi nh6n cia KTNB, c6c v6a dd trgng ytiu tluoc Ban ki6m so6t xem x€t nhimdua ra

c6c ki6n nghi tai c6c phiCn ho.p HQi tlong quan tr! vA ban hirnh cic van b6n canh b6o rii ro tong toan hC thi5ng

K6t qui ho4t tlQng cu th6 cta KTNB nim 2016:

Phdng Ki6m torin N6i b6 tl6 hodn thinh tdt k6 hoach nim 2016: thuc hiQn ki6m to6n theo doAn 88 tlon vi, dat I I 1,4% k6 hoach; thuc hi€n 242 cu6c kidm tra ddt xuAt vd ki6m tra chuydn

dd, dat 108% k6 hoach Qua d6 tl6 ph6t hiQn c6c v6n dd cdn ttin t4i trong ho4t dQng, chua chat chE diy di trong vtrn ban qui dinh nQi bd vi co cdu to chuc tu do dua ra c6c cdnh bdo nii ro dd

ki6n nghi HQi dong Quan tri Ban Diiu hi,nh vi c6c c6p qurin ly cta ngiLn hirng rong viic khac

phuc sai s6t, chAn chinh vA b6 sung c6c quy dinh, quy trinh vd huong dan nghiep vU, tlng cudng c6ng tec ki6m so6t n6i b0 nhim ngan ngua vd han chc rui ro, ddm bdo an toan uong

hoat dQng

C6ng t6c tl6nh gi6 hQ thiing ki6m sodt nQi bQ cria HDBank.

Trong ndm BKS chi dao KTNB t{p trung kiCm tra hieu qui h€ th6ng kidm so6t ndi bQ ngdn

h2rng th6ng qua denh gi6 tirh tudn tht, hi€u que cia 2lang phong thu driu tien trong m6 hioh

qudn l;i rui ro hi€n hirnh ctia t6 chrtc: Tdng bdo vd diu tien li hd th6ng kiAm sodt nQi bO tai c6c don vi bO phrin c6 chuc ning kinh doanh Tling bdo vd rhu 2 lii cec don \ i truc lhudc Kh6i

quan l! rui ro vi c6c phdng ban khiic c6 chuc nang gi6m srt tai H6i sd Ddy 1A nhrng don vi co

thiing.

Trong ndm 2016, hE th6ng ki6m sorit n6i b6 HDBank hoat d6ng tuong ddi hi6u qud voi cdc

m6 hinl quan li tap trung c6c nghiQp vg trgng y6u nhu h6 tro tin dung (soan thAo, giii ngdn,

giem s6t tuan thi phe duyet vd quy dinh, quan li tdi san dam beo), giam set tt xa c6c giao dich

d6ng ngd ti6m dn rui ro, ngan qui Mac di con thi€u s6t trong rdc nghi€p nhrmg nhin chung cric ch6t ki6m sodt nny th phrit huy phrin ndo hifu qud trong viec ngaLn chin cilc sai s6t tong

tec nghi€p frong nam HDBank cing dd lhgc hien cong lAc chudn bi cho vi6c nien khai Basel II,

C6c t'-i le an todn trong hoAt dong lu6n duoc gi6m siit chat chE nhim dri.m bio h€ th6ng lu6n

van hantr an toin hi€u quri th6ng qua 0y ban Quan lj' Rii ro cta Ncdn hdnc

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rir euAruAu olNu nio cAo rAr cuiNH

Vd Bdo c6o tAi chinh:

Ban Ki6m soAt de thuc hien viec tham tla b6o c6o tiri chinh hqp Dl6t Mm 2016 cta HDBank

vd th6ng nh6t xric nh{n nhu sau:

- 86o c6o tdi chinh hqp nhit nam 2016 cta HDBank dd phan rinh diy dt, kip thoi tiih hinh

hoat dQng kinh doanh vd c6c bao cao tiri chinh cta ngdn hdng duo c 16p dfLng mAu biiu ban

hanh theo Quy ilinh.

- Vi€c ghi chep, luu trir chtng tir vd ldp s6 s6ch ki5 torin duqc ghi nhan- dAy dti, chinh x6c mqi

ho4t dong cta Ngan hing 86o c6o tiri chinh hqp nhAt de duo c COng ty TNHH KPMG kicm

toan, pht hqp voi c6c chuin mgc kii toan ViQt Nam vd c6c quy <linh hi€n hdnh

ve lal san va llguon von:

c6c s6 liQu vc tai san vd ngudn v6n thiS hign trcn Barg can di5i t6 toan hqp nh6t so vrfi s6

1i6u nim 2015 t4i HDBank nhu sau

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Ho4t dong mua ng

Chung kho6n dau tu

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Cac s6 licu chiDh th6 hiQn tr6n 86o c6o k6t qua kinh doanh hqp nh6t nam 2016 cta HDBank

nhu sau:

Don v

BC'TC RITNG Lt

AIIC HDSaison

HDBank tt

BCTC

NHAT

2016 2016

2016 2015

2016 CHi TItU

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3,245 4.678

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Huy d6ng thi truong I | 14,32',7 94,7 59 t20.6% 82,390 138.8%

Ti li nq x6u./Tdng du no (TT02) 1.60% <3Yo D?t t.32% 122v,

Phdt triCn mang luoi HDBank

Lqi nhuan sau thui T6ng tdi san

Lgi nhuan sau thu6 ,^r'6n didu lQ

III KIT QUA GIAM SAT HOAT DONG HOP NHATNATU ZOTO:

Trong ndm 2016, hoat d$ng kinh doanh cria NgAn hang vd c6c cdng ty con dat duoc nhirg k6t qud nhu sau:

Don v! tinh 'l'hrrc hi6n

nlm 2016

IV

Ghi chi: (+) Cho vay cua HDBank ri6ng ld ndm 2016 ld 82,t04 tj,d6ng.

V6 tr4ng th6i tdi chlnh: trong nam lu6n dim b6o an todn thanh khoan, duy hi c6c ti lC an todn v6n trong hoat dQng Ng6n hang d muc cho ph€p (tj 16 an toan v6n hqp nhit I2.5_]%) Du

ng cho vay HDBank ridng le ld 82.104 ty ddng, tang 30% so voi nim 20 t5

Tj l€ no x6u thoi didm 3ll12l2016 li 1.60%, hoan thinh chi ti€u tli ra vd tudn thi gioi han

cta NgAn hang nhd nudc ViCt Nam (chi ti6u d€ ra vrti t! l€ nq x6u t6i da 3%), tuy nhi6n tj l€ ney t?lng so voi thoi diem cui5i nAm 2015

CIn cri vdo chtc Mng nhiem vg cta Ban Kidm sodt phuong huolg hoat ttQng Ngdn hring nAm 2017, chi dao cia Ngdn hdng Nhi nuoc vA mqc ti€u, nhi€m vg, chinh s6ch tiin t€, bi6n ph6p dem bao hoat dong an toan, hieu qua ve dfug PhAp luet: Ban ki6m sorit t6p trung vio cic

c6ng viec co ban nhu sau:

- Gi6m s6t viCc tuan tht cdc quy dinh cta Phep tuat vd Diiu l€ HDBank trong vi6c qudn tri

<li6u hdnh, v{n hnnh hC th6ng HDBank.

5/6

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0.710/o

- Gi6m siit c6ng tic qudLn tri, didu hinh HDBank dugc rhuc hien theo Diau le, Nghi quyet D?t

h6i ddng cd d6ng ild bi6u quy6t th6ng qua, cu thi bim srit tri6n khai theo chuong trinh hdnh

dong nnm 2Ol7 cia Ban Diiu hdni theo 05 nQi dung trgng t6m: Tdng truong bin rung, tin

<tung hiQu qud, lqi nhuan tiii uu; Phdt triCn vi ung dqng dng ngh( th6ng tin trong c6ng ric qudn lj' vd vin hi,nh Ngin hing; Ting cuong quin li rui ro, gidm sdt kidm soir vi tlru hoino

xiu; X6y dgng vdn hoa doanh nghiQp, ndng cao chit luong nh6n su Phdt triin thuong hi0u

HDBank.

Tridn kaai c6ng tic kidm torin n6i b6 theo k6 hoach; thuc hien ddy m4nh tmg dqng c6ng

ngh€ vio c6ng tric kidm toen, d6i moi phuong thuc ung xt d6i voi ttng muc d6 nghi€m trqng

cta v6n di phdt hiCn, chir kong denh gi6 hieu qua hoat aloog cua phdng ban HQi sd trong hi thiing kirim sorit nQi bO hiQn hanh tu d6 c6 ki6n nghi kip thdi nhim h6 trg Ban diiu hinh dat

duoc 05 nQi dung trgng tdm trong k6 ho4ch hi,nh d$ng neu r6n

Tham tla Beo c6o tAi chinh hop nhat 6 thang nam 2017, 860 clio ai chinh cd ndm 2017 cia Ng6n hnng

- TriiSn khai phin c6ng nhiem w cu th.3 trong Ban Kidm so{t nhim thgc hiQn mqc ti6u rrim

2017

Tr6n tldy lA nhing n6i dung Ban Kidm so6t xin bao c6o D?i HOi ddng C6 d6ng, kinh diin$1 D4i hQi gop ! vi th6ng qua

Kinh chic Dqi hAi thdnh c6ng th dqP.

Tr,in trong c,1m on Qui v!!

KItrIlI SOAT

G BAN Noinhan:

- Ci d6,g HDBa"k

HDoT, RDH

- YPLD.

Ln BKS- t,

I,IGAN

ttar PH/iT

6i6

Bio cio KrtM roAN Doc LAP

Klnh sfi crc C6 d6rs

NgSn hlng Thuong mgi C6 phln Phd( tri6n Thnnh ph6 ttt Ctt frlinl,

Chnr,sr6i d! Ii6m toan b6o c{o tiichinh hqp nh{t dinh kam cis NB6D henS Thuong mgiC6 phln Phtrt

rri& Thnnh ph6 H6 Chi Minl' (-Ngin henS:') vi cic c6n8 ry con (gQi chung Li "T6p doan"), bro 86m bdng cin d6i k6lodn hqp nhir t4i ngny 3l tilng 12 nt n 2016 b{o cio ktr qui ho?t d0n8 kinh doGnh

hqp nMl vi bto cio luu chuyin lian ta hqp nh6t cho nlm && lhric cing ngay yA cic lhuy& mirh liam

rhc.o duqc Ban T6n8 Gi6nl d& NBin hnng ph6 duyfr phll hinh rgAy 3 | th6ng 3 nam 2017, drqt triDh biy li llan! 6 din trang 99.

Trdch nhiem cts Brn T6ng Gi{m d5c

Ban T6ng Gi6md6c Ngan hA[Bchiu trdch nhiem lip \s trinh bAy ltun8 lhuc vi hqp Ii b6o c6o dichinh

hqp nhat-nny rhm cdc Chuin mvc Kd roSn vigr N.m Ch6 dO Kd totn vift Nam 6p dung cho cAc T6

chric Tin dung do Ng6n hinS NId nrrdc viq Nam ban hAnh.vA c{c quy dinh PhdP li c6lien qurn dan

vifo hp vd trlnh bAy bao cio lii chinh vA chiu trAch nhiem v€ kiam soil noi ba md Ban T6ng CiAm 66c xdc di;h lA cln rhi& d6 dAm bAo viec l6p bio c6o lii chlnh hqp nhll kh6ng c6 sai s6r trgng y6u do gian I6n hay nhAm lAn.

T16cb nhi$m crir l<i6D todr vl6n

Trdch nhifm cts chring rdi lt dua ra y ki6n vd bro cdo t.Ai chlnh hqp nhlt nn) dua uen k& qud kiam

roen cta ching r6i Ching t6i d! (huc hien c6ng vioc ki€m rodn thco cec Chuin muc Ki6m loAn Vi(l Nam Cdc ch;in muc ndi yGu clu ching t6i tJAn thr) chuA, muc vi c6c quy dinh v6 dgo dtc nghA

nghiep vA l6p kl ho0ch vi rhuc hi(n cuoc litm rodn d6 del dugc 6u dAm beo hqp ly va vicc liiu bio cio

rei chlnh hqp

'lhl( ci sri s6r uon8 y6u hay kh6n8.

C6ng vigc kiim toin bao Sinr vifo thuc hifn c1c lhi tuc nhi tllu thip cdc bing chrng tiirn ronn vi

c6c s6 lieu vA cdc thuy& minh lrong bAo c6o tdi chinh Cdc tht luc duqc lus chor dtla lren xil doAn cria

kian loin vi6n, bso 8dm d6nh 8i6 rui ro cd sai s6t rrQng y6u trong b6o ceo iii chinh do Sian l6n holc nhim lln Khi drgc hi(n cdc d{nh EiA rui ro niy ki6m to{n vi6n rcm xdt li6n) so6l

'roi 1,0 cua Tip doin li€r qusn ldi viec I6p vA trlnh biy bAo cio ui chinh lrungdruc ve hgP li nhnrlr thi6lLa c6c lhti luc I'i6Dr

rolr phi hqp rdl llnh hlnh thFc id, luy nhiEn kh6n8 nhim mtrc dich dua ra j tiin vl hifu qui cria tiBrn so6r noi bOcnaTdpdoAn C6ng vifc kilnr to6n cong bao g6rn viec d6nh 8iA llnh lhich llqpcda cdc

chlnh sdch k6 lorn duqc ,p dung vd tinh h(lp li'cta cdc u6c llnh 16 lodn cria aAn T6nB Ci6m d6c N86rr hAng, ciinB

'lhu dA0h gi6 viqc lrlnlr bAy l6nS lhd b6o c6o rAi chlnh

Clring t6i lin ring ciic bing chrlng ki6nr toin ma chri g l6i thu duqc ld day dt vi thich hqp lim co sd cho j kidn ki6n to6n cta chUng t6i

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ban hinh vd crc qu) dirh phAp t! c6 ti6n quan ddn li(t IAP vi lrt'nr bay btro c6o lii chlnh

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