CaNG TV rAI cHiNHcO PHAN TiN VieT

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CONG HOA x'A HQI CHO NGHiAVleT NAM

.ec}c I~p - TY' do - H~nh phClc

He NQi; ngiw j,ff. thang. Ii. nem 2@t9

CONG B6 THONG TIN TREN CO'NGTHONG TIN ereN TO'C'OAOY BAN CHU'NG KHOAN NHA N,U'OC

Kinh gLPi: Oy ban Ch(fng khoan Nha nuoc

Cong ty: CONG TV TAI.CHiNH CO PHAN TIN VIl;TBja chi tru sa chlnh: T~ng 17, tea nha Mipec "rower, 229 ph5'Tay San, phu'cmg Nga TU' SO>,

qu~n Bong f)a, thanh pho Ha Noi.Ma s6 doanh nghi~p: 010276'6770Bien thoaf 024.{$27021.27Fax: 024.6270212:8'NgU'cYithuc hi$n cong bE>thong tin: Ong H6 Minh Tam - TOng Giam dot. 'NgU'CYidai dien theaphap ILJ~tcuaCong ty.Loal cong bo thong tin: D24 ,giG 072 giCY Dblflt thl:l'cmg 0 theo yeu c~u ~dinh kyNQidung thong tin cong be: Gong bo thong tin v~ bao cao thU'cyngnien ham 2018.

Chung to,i xin cam ket cac thong,tin cong'bo tren day la dung sl,l'th~t va noan toan chrutrach nhi~m fmae phap I_u~tv§ nQi dung cac thOng tin da cong bo.

Tai li-eu alii kern:- BaD CaD thL1'¢ngnien nem 2018

Nai nban:~ Nhu Mnhgifi;

- HeQT, BKS

- P.TT&QHCC- tuu VT "Sly

CaNG TY TAl CHiNH CP ifiN VH~T

NGU'O'I e~1 OleN THEO PHAp LU~T

GIAMe6c

BAo cAo THU'ONG NIEN

eDNG TY TAl CHfNH co PHAN TIN VieT

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PHAN ,I.THONG'TIN CHUNG 2

1.. Thong tin khai quat _ 2

2. Ngimh ngh6 va di~ ban kinh doanh u 4

3. Thong tin v6 mo hinh quan tr], to chlPe kinh doanh va b9 may quan Iy 5

4. Djnh hlPang phat tri4n _ 6

5. Cae rui ro ~ (i

PHAN II. TiNH HiNH HO~T DQNG TRaNG NAM ,2018 6

1. Tinh hinh hoat d9n9 san xuit kinh doanh 6

2. T6 chuc va nhan sl! 6

3. Tinh hinh dau tu, tinh hinh thlfC hi~n cac dl! an , 114. Tinh hinh tid ehinh - 11

5.. CO'eau eOdong, thay dbi vbn dau tlPcua chu 560 hiPu 12

6. Danh sach cac Cong ty me va Cong ty eon ella VietCredit: 12PHAN III. BAa cAo vA DANH GIA COA BAN GIAM eoc 131. Danh g'iav6 k~t qua heat dQng kinh doanh nam 2018 132. Dinh hlPang heat dQng kinh doanh nam 2019 15PHAN IV. aANH GIA COA HOI aONG QUAN TRI VE HO~T£)QNG COA CONG TY 1S

1. Danh gia cua HQidang Quan tr! v6 cac m~t hoat dQng ella Cong ty 162. Danh gia ella HQidOng Quan tr] v6 m~t hoat dQrig ella Ban Di~u himh 163. K4iho~eh djnh hU'ang ella HDQT nam 2019 17PHAN V. QUAN TR! CONG.TY 17

1. HQi·dOngQuan tri ..·· · 112. Ban Ki~m soat 22

3, Cae giao dieh, thu lao va eae khoan 19'1 leh ella HDQT, Ban giam dOeva Ban KS23

PHAN VI. BAa cAo TAl c.HiNH 25

1. Y ki6n kiim toan: ~ , _._25

2. Bao cao tili ehinh dlPQ'cki4m toan 25

1

PHAN t. THONG TIN CHUNG

1. Thong tin khal quat

Ten giao dich

Ten ti§ng Anh

Ten viet tat

Gi~y chLPngnh~n £>KKD

Gi~y phep thanh I~p:

Logo

Van di~u I~

£>iachi

se di$n thoaiFaX'

Email

Website

sAo,cAo THU'O'NGNn~NCong ty Tili chinh cit phanTin Vi~t

Narn bao cao 20'18

: Cong ty Tal chinh C6 phan Tin Vi$t

: VietCredit Finance Joint Stock Company

:VietCredit

: 0102766770

: Quyet dlnh s6 59/GP-NHNN ngay 18 thang 06 nam 21:)'18

cua Th6ng dOcNgan hang Nha nvoc Vi$t Nam v~vi$c thanhI~p Cong ty Tai chlnh C6 .ph~n Tin Vi~t.

:'Vi,etCreditVA){ Tttu DUNe 't~N lO,t

: 668.981.680.000 d (Sau tram sau muo! iem tj, chin tram,

tammuoi mot tri{jw;SEW tr~m tam muol nghin d6ng).

: T~ng 17; toa nha Mipee Tower, 229 Tay San

PhU'O'ngNga TU' Sa, QU$n,'£>ang£>q,Ha N¢i.

: (84). 24.. 6270 2127

: .(84) 24. 62702128

: phucvu247@vietcrediLcom.vn

: http://www.vietereclit.com.vn

2

Qua trinh hlnh thanh va phat tri~n:

.•:. Cong ty Tal chlnh ce ph~1nTin Vi$t (VietCr-edit) tiE§nthan la cong ty Tal chin'h ce phan

Xi mang (CFC): clll'Q'c thanh I~p ngay 29/05/2008 theo Quy~t dinh s6 142/GP-NHNN

cua Ngan hang Nha r1L1'ac,von diE§uI~ ban d~u la 300 ty d6ng. C6ng ty c6 3 c6 d6ng

sang I~p chi~m 61,5% v6n .diE§u1$la Tong C0ng ty C6ng nghi$p Xi mang Vi~HNam,Ngan hang ThLl'O'ngmi;l:ic6 phan Ngo~i thLl'O'ng\)r~t Nam, Tong Gong ty Thep Vi~t

Nam. Cong ty heat dQng theo Gilly ChlPng nh~n dang ky kinh doanh s6 010302506.8

do Sa K~ hoach va £)~u tll' Thanh ph6 Ha N9i .clp ngay 02/06/2008;

.:. Ngay 10/03/2009j Gong ty Tai chinh cs phan Xi mang duoc Ngan hang Nha nU'&c.Vi~t

Nam c~p phep kinh doanh ngo<[1ihOi;

.:. Ngay-22104IL009, C6ng ty Tai chinh C6 ph~n Xi mang da chinh thli'c treY(hanh tMnh

vien thcr 52 cua Hi$p hQiNgan hang Vi~t Nam;

.:. C6ng ty Tai chinh Co ph~n Xi mang nh~n gisi thU'ang 'ThU'O'ng hl$u Chlf.ng khoan Uy

tin - 20.09" va Danh hi$Q "C6ng ty £)<[1ichung tieJJbi~lj" danh cho cao doanh nghi$p

tieu biE§utren thj trU'cmg chung khoan Viet Nam;

.:. Th~ng q12010, G6ng ty thl,J'chien tang v6n cli~u Ie thanh oong len 604,921.000.000'

clang th6ng qua hinh thiJc pMt Mnh co phi~u eho co .clang hien htru Va can bQ c6ng

nhan vieri .

•:. Ng·ay 16/0'8/2010, G6ng ty dll'Q'c Ngan hang Nha nLl'<Yceho phep thanh I~p chi nMnh

t<[1;Thanh ph6 H6 Ch.i Minh. Mt)o tieu eua vlec thanh I~p Chi nhanh t<[1ltMnh ph6 H6

Chi Minh lei d~ m& rQng thi tmcyng, pMt triE§nkhach hang theb chi~n IvQ'c hO<[1tdong

cua C6ng ,ty.Ngay 27f11/201 0- Chi nhanh chfnh thlic khai trLl'O'ngoi vao h0<[11dong.

·z· Thang 4/2013, C6ng ty Tal chinh Xi mang chuyen dja diem tn,! sa tCJ>28 Ba Trieu -

Hoan Kiem - Ha NQi vE§tn,! samai t~i 229 Tay SO'n,- £)6ng £)a - Ha Noi.

.:. Ngay 03/08/2015, sO',K~ho~ch va £)~u tLl'Thanh phe Ha Noi ~p eho CFC gicfiychung

nh~n dang ki kinh doanh s6 0102766770 - thay doi I~n th(Jl 8 vE§viec uC~p l<[1ima s6

ON f)KKO sO 0103025068 ,do Sa Ke hO<[1chva f)~u tll' Thanh ph6 Ha Noi cap ngay

02/06/2008". Trong d6, CFC dll'Q'c phep thl,J'chien ngh,i~p Vl,l Cho thue tai chinh .

•:. Ngay 24/11/2016', Sa Ke hQ~ch va £)~u tLl'·Thanh pho Ha NQi cap cho GFC gi~y chung

nh~n dang kf kinh doanh s6 0102766770 - thay dOi Ian th(r 9. Trong d6, CFC clU'Q'c

pnep thl,Ychien nghi~p Vl,l Phat hanh the tin dl,Hig .•:. Ngay 23/4/2018, f)<[1ihQi don.g cO d6ng Q6ng ty Tai chlnh Co ph~n Xi mang nam 2018

ban hanh nghi quy~t thay dOi ten, logo, website, t€im nhin, su menh va gia trj cot loi

cua c6ng ty. Theo d6, Cqng ty T$i chfnh Co ph€in Xi niarig (CFC) dU'~c doi fen thanh

Cong ty Tai ,chinh C6 ph~n Tin Vi~t (VietCredlt).

3

·:. Ngay 18/6/2018, Ngan hang Nha nU'ac Viet Narn da c~p gi~y phep s6 59/GP-NHNN­Gi~y phep thanh I~p va heat dong cho Cong ty Tal cHihh ce phan Tin Vi$t tr§n co s&

cap d6i gi~y phep thanh I~p va heat dong eua Cong ty Tai chinh C6 ph~n Xi mango

.:. Ngay 28/9/2018, SO>Ke hoach va.£)~u tU' Thanh ph6 Ha Noi c~p cho VietCredlt gi~y

cnling nhan dang ky kinh doanh 56 0102766770 - thay d6i ran thLl' 11. Trang d6,

VietCredit dU'Q'cphep thuc hi$n cho va" ca nhan bao gam cho vay tra gop, cho vay

tieu dung .•:. Ngay 25/10/2018, Ngan hang Nhe nuoc Vi$t Nam era c6 c0ng van sO 8028/NHNN­

TIGSNH v~ vi~c Ch§p thu~n cho VietCredit tang vbn di~u 1$tIY604.921.000.000 VND

len 1.070.371.390.000' VND. Ngay 21/11/2018, VietCredit da hO.antn-anh bU'cYc1 cua

vi$c fang vOn di~u I~ tIYcac qu9' cua Oong ty, tang vOn di~u 1$h~nmLrc668;981.680. 000

VND.2. Nganh ngh~ va dja ban kinh doanh

2.1 Nganh ngh6 kinh doanh chinh:C6ng ty Tai chlnh Gb ph~n Tin Vi$t dU'Q'cthl,l'c hi$n cac ha;;1tdong cua 06ng ty tai chinh t6ng

hQ'pthea quy dinh cua pnap lu~t va cua Ngan hang Nha nU'ac Vi$t Nam.,g6m cac. hm~tqQng

s.au:.:. Huy iIijng v6n dLPOicac hinh th{PC:

4 Nh~n ti~n glfi cua cac tb chu>cthea quy djnh eua Ngan hang NhaAU'a.c..~ Phat hanh ky phieu, tin phieu, trai phieu, chLrng chi ti~n gLY[de huy dong vOn cua tb

chLre thea quy oinh cua phap lu~t hi$n hanh... Yay vOn eua ca,c t6 chu'c tai chinh, chLrc tin dl,J'ngtrong nU'ac, nU'ac ngoai thea qLiy

,dinn eua phap ,Iu~t.-.. Yay Ngan hang Nha nU'ac dU'ai hlnh thiJ'c titi cilp vOn thea, quy dinn cua lu~t Ngan

hang Nha nU'ae Vi$t Nam .

•:. Cap tin'dl!ng dll'iYi cac hinh th(Fc:'

__ Dha 'Jay, bao gom ca eha vay tra g6p, eha v~y tisu dung;

.. Chi~t khau, tai ehi~t khau c6ng Cl,Jchuy~n nhU'Q'ngicac giay tcy e6 gia khilc;

.. Baa I:anhNgan hang;

~ Phat hanh the tin dl,Jng;

4.- Bao thanh toan;

-i.. Cha thus tai ,chinh;• Cac hinh thLrCcap tin dyng khae (Sau khi dU'Q'cNgan hang Nha nU'ac chap thu~n) .

•:. Cac ho~t di)ng khac

.. M& fai khoan ti~n .gCrit;;1iNgao hang Nha nuac;

.JiL. M6' tar khaan thanh toan t~i ngan hang thu'ang mc;l.i,chi nhanh ngan Mng .nU'ac ngpai;

4

~ M& tai khoan ta: ngan hang miac ngoai theo quy djnh cua phap luat v{3 nqoai h6i;

~ M& tai khoan ti~n glPi, tai khoan tien vay cho khach hang;

* G6p von, mua c6 phan theo quy djnh cua Ng€m hang Nha ruroc:

"* li~p nh$n v6n uy thik cua Chfnh phu, to chuc, ca nhan d€l thoc hi~n cac heat d¢ng

d~lUtU' vao cac dl,l'an san xu~t; kinh doanh, dip tin dl,lng theo quy ·dfnh cua Ngan hang

Nha nU'cYc;

~ Tham gia ·daw thau tin phi~u kho bac, rnua, ban c6ng cu chuy€ln nhuonq, trai phi'~u

Chinh phd, trai phi~u Doanh nghi$p, tin phi~u Kho bac, lin phi~u Ngan hang Nha nuoc

va cac giay to' c6 gia khae thee quy dfnh eua phap lu$t;

.. Bao 18nhpMt hc1mhtrai phi.~u Chinh phu, trai phi~u Doanh nghi~p; d~i Iy phat hEmhtrai

phi~u, cO phi~u va cac giay t6' c6 gia khac;

... Kinh doanh oung tJingdieh Vl,l ngo~i h6i tren thi trU'cmg trong nU'cYctrong ph~m vi do

Ngan hang Nha niJ'ac quy dinh;

.. Lam d~i Iy kinh doanh bao hi€lm;

......Cling ling dieh Vl,l tU' v~h trong Ijnh Vl,I'C ngan hang,. tai chinh, dau tU';

• Cung Lrng dich Vl,l quan Iy, bao ql:lan tai san cho Khach hang.

2.2£)ja ban kinh doanh

G6ng ty c6 trl,l,sa o~t t~i tang 17, Toa nha Mipec Tower, 229 ray SO'n,Qu$n f)6ng £)a,

Ha N¢i. Vao thai di§-m31.thang 12 nam 2018, Gong ty c6 mot (01) H¢i sO>chinh t~i.Mel N¢i vam{lt (01) chi nMnh t<;ii Thanh ph6 H6 Chi Minh.

3. Thong tin v~ mo hlnh quan tri, to ch(rc kinh'doanh va bQmay quan Iy3.1 Mo hinh quan trj, cO'cAu to chCFc.

M6 hinh quan trj, cO'c~u·tO chlic oU'<;)'cm6,ta th6ng qual rn6 hlnh sau:

' .... ,... "', '.----- - - - --- -- --~ - -.. - - -

5

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3.2 CO'cau t6 cluac ella Cong ~80ng ty c6 HQisa chinh va 01 chi nhanh tc;liThanh ph6 Ho Chi Minh.

H9i s.&chinh eua VietCredit£:1iachl; T~ng 17,.toa nha Mipec,Tower, 229 Tay 80'n, quan 6&ng £)a.,Ha Noi.Chi nhanh Cong ty t~i Tp·Ho Chi Minh~ia.chl: Tang 9, Tea Dreamplex, s6 195 £)i~n Bien Phu, quan Blnh Thanh, TP HeM.

4. e,jnh hlJ'ang phat triAnTarn nhin' 2020:Tro. thilmh cong ty tal ehinh hang dau Viet Nam vai nen tang c6ng ngh~

hi'~n dai, tien ti~n.La tt> chuc tin dl,lng cung cap di"-ehVI,I tai chinh Minh bach - Tin c~y,

luon T~n tam phuc vv va dap (1'Og cac nhu cau tin dl,lng thi~t thuc nh~m

-76

S(Ilm~nh:

~~GCHPH. VI

nang cao gia tr] cuoc s6ng ella eong dong.5. Cae rui roo

Cac rLli ro C0 thA anh hU'ang d~n heat dong san )(uM kinh doanh cua cong ty (n~lI c6) se

chu y~u d~n tll' :../ RLli ro hOc;ltdong.,/ Rui ro tin dl,lng Ii~n quan tai cae kh.kh h~mgca nhan"khaeh hang Doanh nghi~p.

-/' Rui ro thj tf'U'cmg,.PHAN II. TiNH HfNH HO~T eQNG TRONG NAM 2018

1. Tinh hinh h6~t cQng san xuat kinh doanh• K~t th(ic; nam 2018, t6ng tai san 'cua VietOredit dc;l,t2.087 ty ,dfmg" cao hO'n150 tY d6ng

'ita bang 108% so vcri thqi di~m k~t thuc nam 2017.

• Lori nhu~n trU'oc thu~ nam 2018 ghi nh~n m(l'c 16 52,36 ty db'ng thap hO'n64,7 ty dOng

so v.&ik~ hOc;lChd~ ra.

2. T6 ehlPe va nhan sV'Danh saeb Ban DiAu hanhDanh saeh Ban £)it§uhahh d§n ngay 31/12/2018 nhU' sau:

Thanh vi€m C'hJcvp

IOng HOMinh Tam T6ng Giam dOc

6ng Le PhU'O'ngHai Giam dbc Kh&i Quan Iy Rui reD

Ong Huynh Le KhanhI' Giam d&c Kh6i He trO'

Sa va Thl,lCQuyen Giam d6c KhOiTai chinh

Ba Nguyen Thi Thanh Ha,

Giam {f6c Khoi Tin d,i,mgdoanh nghi$p,

ong Hoang HlI'ng K~ toan trv&ng

6

Thong tin tom tilt cac thanh vhln Ban £)i~u hanh eua Cong ty:.:. Ong H6 Minh Tam

- Ngay thahg narn sinh

- NO'isinh

- Qubcticn

- nan toe

.04/08/1978

rr. HCMVi$t Nam

Kinh

Trinh dQ h9C v~n:

- Narn 2004: T6t nghi~p £)Giihoc c0ng I$p Nagoya chuyen nganh Kinh t~.

- Narn 2007: Tot nghi$p Cao hoc £)Giihoc Meijo Nagoya, chuyen nganh QUcln tri Kinh

doanh.

Qua trinh cong tac:

Th60i gian No'i lain vi~c- Ch(fc vI;!

2007- 2010

Cong ty Tai chlnh tieu dung ACOM - T$p Chuy.en vien PhOng

doan Tai .eh·inh Tokyo Mitsu.bishi UFJ, Chi~n 1U'Q'ed~u ttl' nU'cYC;Tokyo Nh~t Ban ngoal

2010 - 2012Ngan hang TMcp Sai Gon Thtl'O'ng TIn -

Giam 06e Tr.ung tam TheSacombank

2012 - 2014Ngan hang TMCP Ky thU'O'ng ..

Giarn doc.Tr.ungtam TheTechcombank

2014 - 2017 Ngan hang TMCP San Vi$t

T3/2017 - T4/2017 Cong ty Tai chinh CO phan Xi mang

T412017 - T6/2018 Gong ty Tal chinh CO phanXi mang

T6/2018 - nay Cong ty Tai chinh COph~n Tin Vi$t

Ph6 T~ng Giam dbc

Quyen TOngGiam doc

T6-ngGiam doc

TOng Giani doc

La PhU'O'ng Hai

12/06/1978

Hai Phong

Vi$t Nam

Kinh

- Ngay thang nam sinh

- NO'i sinh- Qu-c.c tleh- Dan t¢c

Trinh dQ h9c vein:

- Nam 2002: T6t nghi$p CIYnh~1nKinh te ehuyen nganh Kinh t~ Quoe te - Hoc vi'$n Quan

h$ Quoe teo- Nam 2004: Tot hghi~p ThGiCsrehuyeri ng,anh Kinh te phat tli~n -Vi$n Khoa hoc Xa hQi.

Qua trinh cong tac:

7

Thi1i gian Noli linn vi~c OhCPcv\I

2005 - 2014 Ngan hang TMCP A Chau

2014 - 2016Ng'an hang TMCP Xufit NMpKhau Viet Nam

Ngan hang TMCP Xuat Nh~p

Kh~u Viet Nam

Cong ty Tai chlnh ce ph~n Xi

mang

Cong ty Tal chinh c6 phan Xi

mang

CO'ngty Hii ohlnh C6 phan TIn

Viet

201'6 - 2017

T5/2017 - T6/2017

T6/2017 - 16/2018

T6/2018 - Nay

TrLl'ang. phong Cham

di~m Tin dl)ng,

TrlPang phbng K~ hoach

Giam dbc Khbi Phat tri~n

KinhdQanh

Quy~n Giam doc Ql:Jan I¥Rui ro

Giarn doc Kh6i Quan Iy fui

fO

Giam doc KhOi Quan Iy rUi

ro

: Huynh La Khanh

: 02/06/1975

: Ha Nor: Vi~t Nam

- Ngay thang narn sinh:

- Noi sinh:- Ql,J6ctich:Trinh d9 hec vin:- Nani 1998:. Tot ngi$p Ky SLl'chuyen nqanh co khi dong Il,I'ct~i TrLl'ong f)~i hoc SU' pharn

Ky tbu~t Thanh ph6 H6 Chi Minh

- Nclm 2004: r-6.t nghi$p Thac st chuyen nganh Ky th.u~t co khi tal TrLl'cYng£)~i hoc

Shizuoka (Nh~t Ban)

Qua trlnh cong lac:Tho-i gian INodlam vi~c ChiPc v\l

2006 - 2007 C6ng ,ty TNHH Nissei Electric Ha NOi Qu~n Iy Nha lTlay

2007 - 201.7

T5/2017 - T5/20"17

T6/2017 - T6/2018

T6/2018 - Nay

Cong ty TNHH Nissei Electric Vietnam Giam doc Nhan Sl,l'

Cerig ty'Ta-i chTnhCOphan Xi mang Quy€m Giam doc. Kh6i R&D

Cong ty Tai chinh C"6ph~n Xi mang Giam doc Khoi H6 trQ'

Cong ty Tai chinh c6 phan Tin Viet Giam doc Khoi H'61rQ'

: Vii Th\lc Quyim: 09/061'1965

: Hai Ph6ng

: Viet Nam

- Ngay thang nam sinh

- NO'isinh

- Quoc tich:

8

Trinh d,(>hoc v~n:

- Narn 1988: T5t nghi~p cCr nhan chuyen nqanh tin dunq d6i nqoai tal Trucmg Gao cap

nghi~p Vl,J Ngan hang HellNo!.

- Narn 1999: T6t nghi~p ct} nhan chuyen nganh Ti~ng Anh tat TrU'cyng8c;li hoc Ng,oc;li

thuang.

- Nam 2002: Tot nghi$p elf nhan chuyen nganh Tai chinh - Tin dl,mg t~iHoc vien Ngan

Mng.

Qua trinh cong tac:Thai gian NO'.i liun vi~c Ch(fcVIJ

1993 - 2007: Ngan hang Indovina chi nhanh Ha Noi TrU'ang phong K~ toan

2007 - 2008:Ng~n hang Vi~t Nam Thinh VU'q,ng

K~ toan trlf,ang(VPBank)

2008- 2009: Ngan hang TMCP Tien Phon.gGiarn croeHan Tal shlnh - Ki§toan kiern Kli toan trU'ang

Giarn d6c Ban Tai chlnh - K~

toan ki.emKli toan trli'&ng2009 - 2011: Ngan Mng TMCP Bao Vi$t

2012 - 2016:

2016 - 201"6:Home Credit Viet Nam K~ Toan TrU'ang

Cong tye6 pHan Kythu~t Toan Thang Giam d6e Tai chfnh

T3/2817 - T5/201'7: Cong ty Tai chfnh C6 phan Xi mang Quy~n Giam <foeTai chinh

T5/2017 - T6/2018: Cong ty Tai ehinh C6 ph~m Ximang Giam d6e Khbi Tai chinh

T6/2018 - Nay C6ng ty Tai chinh C6 phan Tfn Vi~t Glam diSc Kh6i Tai chinh

Nguyin Thl Thanh Ha29/03/1963

Hai DU'O'ng

Viet Nam

Kinh

- Ngay thang nam sinh

- Nai sinh

- Quoc tjch

- Dan toeTrinh dQ hQcv~n:

- Nam 1983: Tot nghi$JD8c;li h<;lcKinh It~Qu6e dan chuyen nganh Thong ke Cong nghi$p.

- Nam 2004: T6t ng.hi~R8c;li hoc Tai chjnh K~ toim, chuyen nganh K~ toano

- Qua trinh cong lac:

Tha.i giall Nei lam vi~c

1983 - 1994Tang Cong ty Con!;J nghi$p XI mang

Vi$t Nam

Chuyen vien K~ toan Th6ng

ke Tai chlnh

9

Tht7i gian NO',i ,lam vi~c Ch(l'c V\J

1994 - 2007

2007- 2'008

2008 -2010.

2010 =2011

2011- 2012

2012 - 20.17

2017 - T3/201'8

T4/2018 - nay

Ph6 ph~ohgK~ toan Th6ng

ke tai chlnhTong Cong ty Oong nghi$p Xi mang

Vi$t NamT5ng C6ng ty C6ng nghiep Xi mang Ph6 Giarn 'd6c Ban tru hiViet Nam thanh I~p C6ng ty Tai chtnh

Oong ty Tai chlnh 06 phan Xi mang Trubng ban ki~m scat

Oong ty Tai chinh cs phan Xi mang Ph6 T{mg giam a6cOong ty T$i chinh 06 phan Xi mang Q.T6ng giam d6cOong ty Tai chinh 06 phan Xi mang T6ng, Gi~m £)5c

Thanh vien H£)Q,T chuysnCong ty Tai chlnh 06 phan Xi mang

traehGiam a6c Kh6'i Tin ot,mg

Gong ty Tal chihh ce phan TIn VietDoanh nghiep

Ng$y thang nam sinh:

Not-sinh:Qu6'ctjch:

Trinh dQ hoc van:Qua trinh con9 tac:Th6ti gian

: Hoang HlI'ng

: 09/09/1.983

:Ha Noi

: Vi~t Nam: CLr nhan K~ toan, 8'ili hoc ThU'O'ngM~i

ChlPC v\J

2005 -2006 Chuyen vien chinh

2006- 2008

T11/2008 - T1212Q09

T01J2010 - T07/2010

T07/2010 - T11/201'O

T11/2010 - T12/2011

T01/2012 - T03/2013

T04/2013 - T10/2015

Oong ty Ki~m lOan VFA

Oong ty Ki~m toaD AOA Group Ki~m toan vien chinh

Chuyen vien chinh phongCong ty Tal chinh 06 phan Xi mang ~ ~nguon von

Chuyen vien chfnh phong

TH&KSRR

P,hl,Jtrach Bo ph~n TOng

hOOpphong TH&KSRR

06ng ty Tal chinn. 06 phan Xi mang

Gong ty Tai chinh 06 phan Xi mang

TrU'ong bQ ph~n T6ng hQ'pCong ty Tai chinh 00 phan Xi n:lar1g

ph6ng TH&KSRR

Oong ty Tai chinh 06 phan Xi mang Ph6 phong TH&KSRR

Oong ty Tai chinh 00 phan Xi mangPh6 phong Ke toan - T6ngh«;),p

10

ThO'i gian NOli lam VI~C' Ch(fc v~

T11/2015 - T03/2016 Phu trachBan ki~m toan n$i

bo

TrU'&ng phong K~ toan -

TOng hop

K~ toan TrU'&ng

C6ng ty Tal chlnh ce phc\n Xi mang

T03/2016 - 2017 Cong ty Tai chfnh cs ph~mXi mang

2017 - 31/12/2018 Cong ty Ta-jchfnh c6 phfin Tin Viet

So 1U'Q'ngcan bQ nhan vien:

T6ng 56 can bo nhan vien cua Cong ty vao ngay 31/1212018 113 960 nguCYi(narn 2017 113

107 ngU'CYi).

3. Tlnh hinh diu turf tinh hinh th\pC bi,n eac dlf an

Trang nam 2018, Cong ty kh6ng thuc hien d§u tU' them dl,/' an rnoi,

4. Tlnh hlnh tai chinh

£)VT:Tri~ua6'ng

CHfTIEU Nam 2017 Nam 2018 % tang gramI ~

Doanhthu 114.572 132.892 16%

Thui§ TNDN phai nop 2,644 -LO'inhu~n truce thu~ 12.056 (52.361 ) -534% I

LO'inhuan sau thue 9.412 (52.361) -'656%'A£)VT:Tn~uclang

CHI TIEU Narp 2017 I Nam 2018 % tAng g'iam

1 .Quy rno von

- V6n di~u Ie 604.921 668.981 10,59%

- T6ng tai san 1.937.139 2.087.082 7,74%

- Ty Ie an toan v6n 135% 48% -64,44%

2. Ket qua heat dong kinh doanh

- Doanh s6 huy dong 11.174.746 8.041.6,76 -28,04%

- Doanh s6 cho yay' 2.683.212 2.032.946 -24,23%

- Doanh 56 thu nO' 2.808.344 2.289.896 -18,461%- NO'qua h~n (N3-NS) 2.943 2.990 1,60%- NO'kh6 doi (N5) 2..943 2.645 -10,13%• Ty Ie nO' bao lanh qua h~nl TOng

0% ,0%dlf bao lanh

- ly'le nO'qua h~nfT6ng dU' nO' 0,02% 0,25% 1.1S0%

- Ty Ie nO'kh6 d6ilT6ng dU' nQ' 0,02% 0,22% 1.000%

11

CHITIEU Nam 2017 Nam 2018 % tal1g giam

3. Kha nang,thanh khoan

- Kha nang thanh toan ngay 90% 112% 24,44%

- Kha r:lang thanh toan chung 167(% 157% -5,~9%

5. CO' cau c6 dong" thay dOi vOn d~u tw cua chu sa hil'u

Danh sach cd aong sang I~p t~rngay 3111V2018

TT CO dong $o£)KKD ~!achi CO phan I' Tyl~%

I Tong Cong ty Cong I

nghi$p Xi mang Vi~t , .se 228, Le Du~n, Ha I

1 Nam (VIGEM) 100106320 Noi. 10.034.732 15,00%

CQng 10.034.732I

Datih sach cO don so. hCPutren 5% von co h§n9 p

TT , Co dong S{)£)KKD £),ia'chi Coph~n Tyl~%I

Tong Gong ty Cong,

nghf~p Xi mang Vi~t s6 228, Le Du~n, Ha

1 Nam (VICEM) 100106320 NOi. 10.034.732 I 15,00%

CQng

"

10.034.732

CO' c&u c6 dong Cong tyse She6 phin Ty I~- I IGiitri

IU'Q.'n,g

cA,dong (ngu'iYi) (CdphM) , (%) (dong)

C6 dong ttong nwo.c 110 ,66.898.168 100% 668.981.680.0QO

Co dong'to cht:Pc 2 10.078.968 I 15,07% 100.789.680.000

cd dong 08:nnen 108 56.819.200 84,'fJ3% 568.192. OOQ.000

C6 dong nW<1cngoai 0 0 0 0I I

TOng cQng 110 66.898.168 100% 668.981.680;000, - " ,

~ ,6. Danh sach cac Gong ty me va Cong ty con cua VietCredit:

C0ng ty nam giCrquy~n ki~m scat va c6 phan chi ph6i cua Cong ty Tai chlnh 06 pnan Tin

Vi~t (VietCredit): Khong co.

eac eong ty co -Gong ty Taj chinh c6 ph~n Tin Vj~t(VjetCredjt)nam giQ>quy~n ki~m soat

ho~c e6 ph~n chi ph6i: Kh6ng co.

12

PHAN III. BAO CAO vA DANH ,GIA CUA BAN GIAM D6c

1. Danh gill v~ k~t qua hoat dQng klnh doanh nam 2018

1.1M6i truimg kinh doanh

Nam 2018 nim kinh te Vi~t Nam oQ,tOU'(lcnhiJng kef qua tich CI;J'C fren phU'O'ng di~n cec

chf so vi mo. CI) the ntur seu:

-/ MLPCtang trU'cYngGOP narn 20t8 d~t 7,08% so voi narn trvoc nho Sl,I' d6ng gop cua ca

ba khu vue. Trong d6, khu Vl,I'C n6ng, lam nghi$p va thuy san tang 3,76%, d6ng gop 8,7%

vao muo tang truscYngchung; khu V'I;I'C c6ng nghi$p va xay dl,l'ng tang 8;85%, dong gop48,6%; khu Vile dich vu tang 7,03%, d6ng gop 42,7%.

-/ CPI blnh quan 2018 tarig 3,54% so voi blnh quan cunq ky narn ngoaL Rieng CPI tMng12/2018 tang 2,98% so v6'i'thang 12/2017.

13

Toa oQlang tn.r&ng GDP Toe og tang truOng CPI

6.6!H>

l..0C%

6.8Dii<

6.i.lI'N 6.05l!.

1-.....-' II-/ Thi tf1J'angTal chfnh - Ti8Ji1t$ - Ngan hang ham 2018 ti~p tuc dU'Q'cdi~u hanh b6'i chfnh

sach than tronq tu' Ngan hang Nha NU'ac. Trong nam 2018, tln d!,mgU'eYctang dU'eYi16%va cung tien U'eYctang dU'&i 14%, thap hQ'ndang k~ so vo'i nam 2017.

-/ Lai suat huy d¢ng cubi nam 2018 tang nh~ so veYlcu6i nam 2017. Lai su~t huy d¢ng bang

VND ph6 bi~n 6' ri1L1'C 0,51%/nam d6i vai ti~n gu.i khong ky hc;lnva co ky hc;indU'eYi1 tMng;

4,5-5,5%/nam d6i vai t.i~ngu.i co ky hc;intIY 1 thang d~n dU'ai 6 thang; 5,5-6,5%/nam d6i voitien g[l'i c6 ky hc;intt} 6 thang d§n dU'O'i12 thang; ky hc;intren 12 thang {J mLrc6,6-7,3%/nam.

Lai su~t cho yay hi$n ph6 bi§n khoang 6 &9%/namd6i vO'ingan hc;in.,9 -11% d6i vO'itrur:1gv,adai hc;in

./ Ty gia VND/USO bi~n d¢ng .kM mc;inhtrong nam 2018..Sau khi tang nh~ trong 6,thang d~u

nam, 19 gia tang mc;inhU'ong oac thang 6 va thang 7 trU'ae khi hc;inhi$t t.reY Ic;iivao 3 tMngcu6i nam. T6ng k~t nam 2018, ty gia VNO/USO tang 2.6%.

VO'i nhl)ng di~n b.t~ntren cLla nen kinh t~, K~t qua ho~t d¢ng nam 2018 eua VietCredit nhU'sau:

1.2 K~t qua thllc hi~n

... Tlnh hinh tai san va k~t qua kinh doanh_Thai di&m 31/1212018, tbng tal san cua VietCredit di;lt 2.087 ty dong, thap hon 81..3 t9

d6ng va b~ng 96% so voi k~ hoach.

_LO'inhuan trU'oc thu~ nam 2018 ghi nh~n rnuc 1052,36 ty d6ng thap han 64,7 ty dong so

voi ke hoach d~tlra.1.3M9t 56 diim n6i b~t cua ho\,t dqng kinh doanh narn 2018.:. Doanh thu fhllc te dat muc 132 ty dong, b~hg 60% so vCYik~ hoach. Nguyen nhan la

do:

Dl:l' no \18 Doanh tho cho \lay tieu dung chua dat dLrO'cnhu dl.,fki~n ban dllu voi nhi§u

nguyen nhan, trong d6 co 2 nguyen nhan chlnh 1'13:1Niec trit§n khai cho vay tieu dung

tr~ 2 thang so val ke hoaoh; 2/ Khong tuy~n dl,mg kip thai va d~y du luc IU'O'ngban

hang de tri~n kha] ban hang theo ke ho~ch ban d~u.

D0anh thu mang cho yay Khach hang Doanh nghiep thap do djnh hU'&ng chuy~n d~n

tLl' cho yay khach hang Doanh nghiep sang cho yay tieu dung ca nhan. Voi dinh hU'ang

va truy~n thong t6'i Khach hang" Khach hang da chu d¢ng giam dan dU' n'O'tiiii

VjetCredit. DU' cno yay khaoh hang Doanh nghiep nam 2018 d~t 340 fy giam khoang

370 ty' so voi sb dU' 710 ty trong nam 2017.

Doanh thu tLl'dau t,U' va kihh doanh vbn d~t mwc t6t hO'nso vai k~ h0~eh d~t ra nha Sl,J'

linh ho~t trong vif;C dau tu gi~y ta c6 gia cLIng nhU' kinh doanh vbn tren thi truang lien

ngan hang. Doanh thu tLYkinh doanh von va kinh doanh cae giay t6' c6 g,ia tang miiinh,

d~t 128% so vai ke ho~ch va 189% so voi nam 2017, gop phan kh6ng nho vao t6ng

doanh thu cua VietCredit nam 2018 .

•:. Chi phi kinh doanh thl,l'c hien nam 2018 cao hO'nmlrc ke ho~ch 15,2 ty d6ng, tuang

dU'O'ngvoi 1.43%5,0 vai k~ ho~ch chu y~u do tao dong cLfatang chi phf vbn khi thay dei

cO' cau vbn cua VietCredit trong nartl. Nam 2018, VietCredit da thanh cong bU'oc dau

trong vi$c phat h~mh chtrng chi tit§n voi cae ky h~n dai,. qua d6 dap ling dU'O'cngu6n

thi~u hl,lt v&n, cau truc I~i cO' c3u v6n theo hLPong b~n VlJ'ng. Ket thuc nam 2018,

VietCredit da phat hanh thfmh cong 302 ty d6ng chLi'ng chi tien 9LYi.

•:. Mqt s6 di~m.chinh v~ ho~t dQng cho, vay tieu dung

'Niqt s&cbi lieu ciia cho ,'ay do·anh nghj~p, ca nban va ti~u thuollg

80PAl

[02,453700-0

60~\,

:cO~(),

40%

3Uo,o

2(1%

1 ()'J..

(lrl,u

r~'h'~\II" Th.~)'I,"11 rh'lnn 1....

120.000- Du n~r cu6'i kS'

(.l'be' \'sy)I i)(l.OOO

().(U}(!(I -Dvnqbmhqmm!h~l mi'rc\'Iinh qUilil

10.(lv(J

)~

M~c du khong d~t dU'O'cnhu rmrc ky vQng d~t ra, tuy nhlen thl,fc t~ tri~n khai heat dongcho vay ca nhan bOng th~. hi$n nhCJ'Ogdi~m U6h CI,fC tCrthoi di,§m tri~n khai chfnh thuc vao

thang.8 nam 2018. C6 th,§ thay:

./ San ph~ri1 cua VletCredit dang c6 mLPCphat td~n tOt: NIM cho .\Jayca nhan tang trU'cYng

deu qua cac thang cung voi 51)' tang trU'ang cua dU'nO'yay (5,7%; 9,1%; 11,5%; 11,8%;

12,7% tU'O'ngLrngvoi 10,49 ty; 20,99. ty; 37;94 ty; 64,15 ty; 102,45 tY).y" 8ja ban kinh doanh nhanh chong dlfO'CmcYrQng, d~n cuOi 2018, de tri~n khat cho yay

tieu dung tren 25 tinh thanh .•:. HO\it dQng quan tr]:

Narn 2018 la nam crilu tien rna VietCredit thuc hi~n tai eau. true va tri§n khai chi~n .IU'O'C,

rna ,hlnh kinh doanh m&i theo hu&ng t~p trung vao mang tai chlnh tieu dung. Theo do

VietCredit da dc;ltdLPQ'cmQt s6 k~tqua quan trQng lien quan Wi hOc;ltdong quan trioCI,I th~:./ H<;l't~ng cong ngh$ thOng tIh cO' 50' d,§tri@nkhai hOc;ltdongcho vaylieu dung da dU'O'c

xay dl,mg 'hoan chTnhv~ dUlaV80 v~n hanh thong suOt, 6n djnh·, crapLrng cac yeu c~uky thu~dcO'ban theo dung thi~t k~. Ben c<;lnh66, h~ thOng quy trinh, quy ch~ lien quant&i tri~n khai hO;;3tdong cho yay tieu dung cCingdU'Q'cxay dl,fng hoan thi$n •

./ Cang tac tuy~n dl:J119d~thl~usuat tot th~ hi~n & Il),c IU'O'ngnhan 51)' ban hang langtrUicYngnhanh v~ quy mo, tCrquy ma 22 nglJ'ai V80 dau thang 6/20:18 d~n cuOi thimg12/20 18 da a~thO'n700 ngU'ai khang phat'sinh cac rUi ro hOCi)td¢ng th~ hi$n kha nangco gian cda ma hlhh kinh doanh theo' thi·~t k~ ban d~ula dap Lrngdung yeu c~u .

../ He thOng Scoring bU'&c d~u da ·chLPngminh tlnn hi$u qua cao trong ti~n trThhra quyt§t

djnh 'Phs duy~t c~p tin dl,lng., ki,§m soat danh m,I,lC,nh~n di~n kha.ch'hang t6t1xau v&l

k~t qua 113 ch~t 1U'~ngnO'cho yay ti$u dung nam .& mCrctieu chu§n tot (tY I~ nO'nh6m2 chi cYmLi'c0,93%,. ty I~ n<;» x~u n.h6m 3-5 chi &. mLrc 0,25%) .

.2. Ojnl1 hu'60ng ho~t dQng kinh doarih nam 2019Djnh hlJ'ang chung:

./ Tri~n khai Mang Tin dl,mg tieu dung, hinh thanh n~n tang p'hat tri,§11theo hU'&ng Hi~mda,iva B~n vffng .

./ f)~y m~nh hOc;ltdong kinh doanh vOn..cOng nhU'chu dong tim cach duy tri cac h<;lnmu'c

hi$n c6 v&i cac Ngan hang I&n, Uing ha.n mLrc tfn dl,lng tr.en thi 'trU'ang lien ngan hang

d~Cbi~t mcYrong ha.nmLrc v&i cae tll chLrc tin dl,lng vlra va nhc d~.gia tang dQanh thu;dOng thai chu dong v~ nguOnll,l'c cho hO'c;ltdong .cho yay tieu dung. Ti~p tl,lCduy triva tim kilim 51! h6 trq von tCrcac 66 dong chi~n 1U'Q'c.Ph8t tri,§n san ph€l.mhuy d¢ngbao g6111phat hanh chLl'ng ch.!tiemg(J'i t<;licac thai di,§m thich hqp v&i nhu_.c~uvon .

./ Tang v6n dh§u I~ d~ bO sung ngu6n vOn kinh doanh phl,lc VI,IhO<;ltdong cho yay tieudung.

15

./. £)~y manh viec ti~tgiam chi phi hoat d9ng .

./ Tit§p tuc xU>Iy cac khoan no xau da trich I$p dl! ph6ng theo 1<)trinh d~ ~ia tang hi~u

qua host d<)ngtrong tU'O'nglai.

Myc lieu tai chlnh,;' Ph~n G.f~udc;itlQ'inhuan trU'oc thu~ tren to tV dong .

./ Ph€tn d~u t6ng lai san dat 3.204 ty d6ng.

PHAN'IV. £)ANH GIA COA HQI aONG QUAN TR! v~ HO~T £)QNG eOA CONG TV

1. £)anh gia cua HQid6ng Quan trj v6 cac m~thoat dQng cua Cang tyHoi dang quan tri ghi rthan, bieu dU'O'ngBan f)i~u hanh va can b<)nhan vlen 80ng ty Tai

ehlnh .e6 ph§n Tin Vi~t aa luon n6 Il,I'cc6 g~ng phat huy nang Il,I'l;,dbi rn&i, t~i CCi c~u bo may

heat dong d6ng thcYibam sat chat che nhCrng di~n bien cua thi trU'ang qua d6 da giam thi~u

cae rui ro tCPthi trLl'cyng,ban toan van, phat tri~n khaeh hang mai va ngay cang nang cao ch€!t

1U'Q'nghOc;ltd<)ngeua VietOredit

2. £)anh gia eua HQidOng Quan trj v6m~tho~t dQng eua Ban £)i~u himhTrong nam 2018, Ban 8iE§uhanh da thl,l'c hi$n dung quy~n hi;ln cua minh trong vi$c ,di€lu

hanh Cong ty theo di~u 1$quy dinh. Ban £)iE§uhanh cung cac cac can b(l quan Iy (fa c6 nhiE§u

n6 U,I'e{rong vl$e bam sat k~ hOc;lChkinh doanh cua Cong ty, Ben cc;lnhdo, B,anBiE§unanh da

c6 nhi~u dbi mai trong vi$c tai CCi c~u b¢ may ho~t d<)ng,t~p trung VaG ,limh Vl,l'C cho yay tieu

dungf ,ben c·"mh duy tr] cac ho~t dong hi$n hC'rucOng nhU' t~p trung xU>I.y cac khQan nO't6n

dong qua d6 nang cao hi$u qua kirih doanh cua Cong ty. Cl,l th~:

Tiep tile ddy miflnh hOifltd9ng quan trl di§u himhS.ir dl,mg (!;aCma hlnh quan trj hOc;ltd<)ngva quan tri chi'¬ mhJ'Q'ctien ti~n d~ danh gia k~t

qua ho~t dong d6ng thai ra soat vi$c thl,l'c hi$n ~tili~n IU'Q'C,sap x~p cO'e€tut6 chlre khoa hot

nham cem liili hi.$u qua t6t nh€tttrong hOc;ltdong va kinh doanh.

raj cO' c§u hOifltd9n9 t6 chiPc va nh§n s~Tai CCI c~u t6 Qhlic theo hlY&ng "T~p trung cho h09t d¢ng khach hang", nang cao ch~t

1U'Q'ngva toi U'u h6a nguan nhan I~c.

Hi~n diflj,hoa h~ thong C6ng ngh~ thong tin

f)~u tU', nang c~p h$ thong cong ngh~ thong lin pht;1cvl,I cho ho~t dong cho yay tieu dCfng

theo djnh 'hU'ang tCrng bU'&c xay dl,l'ng n~n tang c6ng ngh$ hi~n d9i nham oem Ic;iilQ'i the venang Stl~'t ban hang, toi U'Uv~n hanh, quan trj rUi ro eh~t ehe cOng nhU' Sl,f. t6i U'u h6a trai

nghiem cho' Khach hang.

D§y miflnh hO,iflt09n9 Qual) trl rlii roCong tac ki~m soat rui ,ro dU'Q'ct~p tr:ung vao vi$c ki~m soat cac hOc;ltdong kinh doanh

,hang n'gay, ki~h1 soat tinh tuan thu theo cae quy qinh cua NHNN ap dl,mg cho cac t6chlrc tintil,mg. £):(\cbi$-t nang caD quan trj rui ro vE§thanh khoan, rui ro tin Ql,lng,

16

3. K~ hoach dinh hlJ'cYngella H£)QT nam 2019

HOid6ng Ouan trj se ti4p tuc n6 ll,J'ctrong vi~c dj'nh huang hoat d(lng, he tro sat sao hoatdong cDa Ban £)i&u hanh nham Cf<;3tduO'c rnuc tiau an toan, hi~u qua. Qua do djnh huong

chunq noat dong cong ty trong nam .2019 113d~y rnanh heat dong cho vay tieu dung" duaVietCredit dan tro>thanh mot tronq nhCfng.cong ty tal chinh hang dau.PHAN V. QUAN TRI CONG TV.

1. HQi d6ng Quan tr]

aJ Thanh vien va co ~u Hoi dong Ouan tJiDanh sach cae thanh vien, s6 1U'Q'ngc6 phi,eu va ty 1$s& hCfu c6 phan tat thai di~m

31/1.2/2018 nhu sau:

Chwc J s6 ILPQ'n.gTy'~ I

I

stY hCPuH9 va ten

e6 phi~u 06 Ghi cbuvy

J, phi"n(Ong) Nguyen fluc ,I,

ehu tich 2.489..215 3,72% ,PhU'O'ng

(Oflg) He Minh TamThanh T6ng giam d6c, Thanh vien

0 0'H£)QTvien

I,

(Ong) Nguyen Chi HieuThanh

2.322.390 3,47% Thanh vien H£)QTvien

, Thanh(Ong) Phr;3mHai Au 0 0 Thanh vien H£)QT

vien ,

(Ong) Nguyen Lan Trung ThanhI Thanh vien Hf)QT coc I~p0 0

Anh vien

Thanh I Thanh vien H£)QT, d<;3idi~n(8a) Ha Hai Yen 0 0phan v6n gop aua Vicem[' vien

J.~ ~. . >

17

bl Cac tleu ban thu¢c HQIdong Quan tn.

+ Oy ban Quan Iy rUi ro do 6ng Ho Minh Tam lam Chu tich.

+ Oy ban Nhan sl,J'do Ong Nguyen £)ue PhuO'ng lam ehu tieh.

+ Hoi dong XLI'Iy rUi ro do C)ngNguyen £)uc PhuO'ng lam ehu tich.

'+ H~i d6ng Tin dl:mgdo Ong Nguyen £)ue Phu'O'nglam ehu t!ch

+ Hoi d6ng Quan Iy tai san n9' -tai san cO do 6ng Ho Minh Tam lam ehu tichcl Ho~t dQngcua Hoi d6ng Quan tri

Cae Nghi quyet 'cua HOidong Quan tri ban hanh nam 2018:

TT S6 Nghl quyet Ngay NQidung

NQ v~ vi$c ban hanh Quy ch~ to chLPCva heat dong

I 1 04/20~ 8/NQ-H£>QT I 08/01/2018 cua HOi d6ng ouan Iy Tai san NO' - Tal san C6 cua II

Cong ty Tai chinh Co phan Xi mang" , NQ va vi~c ban hanh Quy ch~ phan quyet tat Cong ty

2 06/2018/NQ-HBQT 08/01/2018'Tai chfnh C6 phan Xi mang,

'I NQ phien hop H£>QTngay 2210212018- phien thU'&ng3 100/2018/NQ-H£)QT 25/01/2018

k'I Y

INQ ve viec ban hanh Quy cha mua sam hang hoa,

4 41/2018/NQ-H£>QT 08/02/2018 dich Vl;J va xay dl,l'ng co ban tai Cong ty Tal chlnh e6ph§n Xi mang

5 47/2018/NQ-H£>QT 13/02/2018 NQ v~vi$c trien khai cho yay dai vai tieu thU'O'ng

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I NQ va viec cap han muc tin dl;lng ngan h~n nam 2018

8 202/2018/NQ-Hf)QT 12/03/20'18dOi vai 06ng ty C6 phan, Xay dt,J'ngva San xuat V~t I

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11 110/2018/NQ-H£>QT 05(04(2018NQ ve nhan Sl,f dam nhi$m vj tri Giam doc Kh6i Tin

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IkyNO va viec CLf d~i dien von gop cua C6ng ty Tai chinh

13 132/2018/NQ-Hf)QT 10104/2018 c6 phan Xi mang t~i Cong ty C6 phan Med-Aid Cong

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NQ va viec b6 sung noi dung ho~t dong va cap doi

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16 178/2018/NO-H£>OT 03105/2018 NQ va viec bau Chu tjch I'-I£)QTnhi~m ky 201,8-2023

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18 ' 253/2018/NQ-Hf)QT 23105/2'018 NQ ve vi$c thanh I~p HO'i dong Xu Iy Rui ro va B6nhi~m thann vien Oy ban Quan Iy Rui ro

19 309/2018/NQ ..HBQT 01/061Z018NQ ve viec xep ILI'O'ngva dong BHXH dOl v&i TrU'ong ,

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22 412/2018/NQ-HBQT 15106/2018NQ v~ vi$c ban hanh Quy che to chuc va heat dong

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, Tal chinh CO phan Xi mang. 24 431/2018/NQ-HBQT 27/06/2018 NQ va vi$c bOnhi$m cap phan quyet

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25 465/2018/NQ-HBQT 12107/2018 toan Bao cao tal ohinh va he th6ng ki~m soat nOi bOI nam 2018

26 ' 467/2018/NQ-H£)QT 13/0712018NQ va vi$c phe dUY$t de an tai cO'c~u I~i gan v&i :xuly nq x~u gi.ai do~n 2016-2020 II

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30 515/2018/NQ-HBQT 08/08!-2018 NQ cuoc hop HBQT ngay 03/8/2018 phien thLl'emgky

31 516/2018/NQ-HBQT 08/08/2018 NQve viet thanh I$p VPf)D Can ThO'

32 517/2018/NQ-Hf)QT 08108/2018 NQ va vi$c thanh I$p VPBD f)a Nang

33 518/2018/NQ-H£)QT '08108/2018 NQ ve viec tMnh I$p VPf)D KMnh H6a,

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39 thU'CrngNQ va phU'0'ng an cap han muc tin dl,mg narn 2018

40 826/2018/NO-Hf)QT 21/09/2018 dbi vai Cong ty ce phan Ch(mg khoan Ban Vi~t t9i

VietCreditNQ ve vi~c sira doi Phu luc 1 Quy ch~ c~p tin dl,mg

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42 706/2018/NQ-Hf).QT 02/10/2018 NO ve vi~c thong qua phU'ong an ta,ngv6n dieu I~

43 710/2018/NQ-H£)QT 02l10f20H~NQ ve ch~ do ap dl,mg doi vai chuc danh Giam d6c

IKinh doanh mien Nam Kh5i Tin d!,Jngca nhan

44 756/2018/NO-H80T 18/10/2019NO ve viec thong qua pnU'O'ngan phat hanh co phieu

I d~ tang von dieu I~tCYngu6n v6n chu sa hCru

45 871/2Q18/NQ-Hf)QT 16/11/2018NQ va vi$c dang ky chlYng khoan tap trung tal VSD va

dang kY giao dich chLrng khoan tren UPCOM

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Y I

28/1212018

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phi~u ra cong chung cho c6 dong hi~n hCru

NO va vi$c trian khai PhU'O'ngan tang v6n dieu I~

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I ghi da,nh

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qua vi~c hoan thi~n co' c~u t& chCrc, dOng tho'i da thllc hi$n cao cuoc hop de, thl)'c hi~n cao

cong tac chuyen mon, tU' vAn oho HOQT, th~ hien nhU' sau:

20

STT so van ban Ngayvan ban NQi dung - Ten van ban

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BSH H£>. XLRR phien bat thU'ong Quy11.2018 I

2 400/2018/CFC-BB 2614/2018(Xem xet thuc hi~n bao lanh v&i khoan baolanh TMX)

I BBH HD. XLRR phien bat thuong Quy3 497 Al20 18/CFC-BB 28/5/2'018 11.2018

(V/v hO'Ptac tau CFC 03) I,

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BBH HD. XLRR phien bat, thU'ong QuyI

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6 843B/2018NietCredit-BB 28/912018V~ viec hoan rrhap dv phong khoan ncTNFS oua Kh6i Tal chinh ,

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8 1076/2018NietCredit-BB 28/12/2018 V/v Quy!§t toan cong no Tau9 1052/2018NietCredit-BB 26112/2018 V/v hop tac thu nc vai dbi tac Hoan My Kim

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,

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vOl phan khuc KH mei~

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21

,SIT 'So van ban Ngay van ban N'Qidung - Ten van ban

BBH us. QLRR phien bat thlf&ng ngay I,

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chuyen vien phe duyetJ

15 1Q57/2018NietCredit-BB 26/12/20-18 Sao cao cacnQi dung,OLRR thang 1212018

2811/2019BSH UB. QLRR phten thU'ang ky Quy

16 6212019NietCredit-BBIV.2018

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thang 03/2018 ~ .~ B6 nhi~m BaI - ve. VI~C18 311/2018f.CFC-BB 04/04/2018

Nguy~n Thi Thanh Ha dam nhan vi trl Gf)KI

TDDN

'19 608/201·8NietCredil-NS. 02/0812018Bien bah UBNS phien 5602/201.8 (thl.:l'ang :

ky) IBien ban UBN'S phien hop khong t~p truhg ,

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20 20/08/2018\

cho chtrc.danh Gf)'Mi~n Nam/Kh6i 1DCN,, Bien ban UBNS phien hQPkhong t~p trung

798/20 18NietCredit-21 27/11/2018 - thang 11/2018 v~ viec Lui thai gian to

P.NSchuc tai bb nhiem cua narn 2018

. ..2. BanKlem soataI Thanh vien va co cau Ban Ki~m scat

Bah Ki,~mscat thl;l'c hien giam sat HQi,dong Ouan tr], T~ng Giam d6c trong viec quan Iyva di~u hanh Cong ty; chiu trach nhi~m trU'O>cf)~i hQi dong c6 dong trong thl,l'c hien cac nhiem

vl,l,dU'Q'cgiao. CO'cau Ban ki~m soat thai di~m 31/12/2018 nhU' sau:

S6 Tyli sc;II

HQ va ten Ch(rc V'\! hfQ'"g h~u'lcA Ghichu

cO phlAu phin,

.Ong Tr~n' Vi~t PhU'O'ng 0 0,00%Bo nhi~m ngay

TrU'o>ngBKS, 01/06/2018

Ong Tr~n Hong Giang Thanh viell 0 0,00%Kh6ng thay d6i so

vo>inam trU'&c

Kh6ng thay doi so I

Ba Ph~m Le L~c ThU' Thanh vien 0 0,00%v6'i nam trU'o>c

22

bf Hoat dong cua Ban Kr§m soat

Ban Ki~m scat 9.0O13 thanh vien. Tronq narn, Ban Ki~m scat da thuc hien dung q.uy~n va

nghiavl,l cua minh theo qay djnh tat £)i~u 1$Cong ty va Quy,cht§ t8 chue va hoat dong cua Ban

Kiem scat Cong ty. Cu the nhu' sau:

- Giam sat vi$e tuan thu CaGquy dinh cua phap lu~t va Bi~U 1$cua Gong ty trong vi$c

quan tn, di~u hanh Gong ty, Tham dl,l' cac phien hop cua H9i dOng Ouan tr] Va giao

ban hang:thang eua Gong ty.- Ban hanh quy dinh hoi b¢ cua Ban ki~m seat; dinh ~yhang narn xem xet, I~i guy dinh

noi bQ cua Ban ki~msoat.

- Thuc hj~n tuy~n dl,lng, bo nhi$m d6i v&i cac chirc danh thuec Phong Kiem toan noi

bo.

- Thl,l'c hi$n CHlfC nang kiem toan n¢i bo': phe' duy$t ke ho~ch kiem toan noi bo, chi

d~o va giam sat Phong. KTNB thl;Pchi~n cae cu¢c ki~m toan n¢i bQ theo kt§ho~ch,

'kiem tra tlnh hinH thl,l'c hi$n kien ngh,i, khuyen nghi KTNB,

3. Cae giao djch, thu lao va cac khoan lQ'i feh ella H£)QT, B,an giam dOc va Ban KS

af ThU lao Hf)QT narm2018:

23

IT H£>QT ThLilao1 Thanh vien H£)QT chuyen trach 2.680.782.6712 Thal1h vien H£)QT kh6ng'chuyen trach & thti kY HDQT 1.392.603.266

bl Thu lao B.KSnam 2018

SIT I BKS ThLilao1 ; Thanh vien Ban Kiem soat 96.000.000

ef Giao, djch 06 phieu C,Llac6 dong noi bO:

I Ch(Fe vl:J ~j Ly do tangI £>Auky CuOi ky

/gi~mSIT HQ ten eong ty/

Quan h~ SLCP Tyl~ Step Tyl~

I Chia coH£)QT 2.250.850 372% 2.489.215 3,72% phieu tang vbnOng Nguyen I,

1 di~u 1$f)t)c PhU'O'ngChu tieh

H£)QT,

2 Ong H6 Minh Thanh Vien

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Ch(Fc vl;I t~i I Ly do tang£)i'u kY Cu6i ky

STT HQ ten cong tyl Igiam

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PHAN VI. BAo cAo TAl CHINH1. Y ki~taki,~mtoan:

GCr.ikem.theo baa cao tai chInh,aa QU'Q'cki@m toan beYi'Cong ty TNHH KPMG.

2. Bao cao tid ehlnh dlJ'Q'cki~m toan

GCri kern thea baa cao tai chfnn CIaO:U'Q'cki@m toan bai Cong ty TNHH KPMG.

25

Tran trQnglNO'i nhan:

UBCKNN;

HDQ.T" BKS

Ban TGD~'

Phong K~ teen

LU'u Van thU'

Ha N(>i, ngay 17 thang 4 nam 2019

TONG GIAM ooc