SHB Sok] partners. flexible solutions CONG HOA XA HOI CHU NGHIA VIET NAM Hoc 14p - Ty' do - H4nh phtic NGAN HANG TMCP SAI GON HA NO BAN KIEM SOAT se):

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1 SHB Sok] partners. flexible solutions CONG HOA XA HOI CHU NGHIA VIET NAM Hoc 14p - Ty' do - H4nh phtic NGAN HANG TMCP SAI GON HA NO BAN KIEM SOAT se): 26/2019/BC-BKS Ha N0i, ngay 4 71 thang 4 nam 2019 BAO CAO KET QUA THVC HItN QUYEN HAN, NHItM VU NAM 2018 VA PHU'ONG I-WONG CONG TAC CUA BAN KIEM SOAT NAM 2019 Kinh girl: DO h6i citing c6 'long thuirng nien lan cua Ngfin hang TMCP Sai Gem - Ha N6i Can cir Luat Cac to chirc tin Ong so 47/2010/QH12 ngdy 16/6/2010 va Luat Sira doi, be') sung mot so dieu cua Luat Cac to chirc tin Ong, so 17/2017/QH14 ngdy 20/11/2017 cilia Quoc hoi; Can cir Nghi dinh so 71/2017/ND-CP ngay 06/6/2017 cna Chinh phu "Huang an ye quan tri cong ty ap dung doi vai cong ty dai chung"; Can cir Dieu le sira doi, 17,6 sung cua Ngan hang TMCP Sai Gan - Ha NOi (SHB) ban hanh kern theo Quyet dinh so 261/QD-HDQT ngdy 26/6/2018 dm HOi dong Quan tri (HDQT) SHB (sau day dugc viet tat la Dieu le SHB); Can cir Nghi quy& so 01/NQ-DHDCD ngdy 23/4/2018 cila Dai hoi dong co dong (DHDCD), phien hop thuang ni'en lan thin 26 nam 2018 oh SHB (sau day &rye viet tat la Nghi quyet/nq 01 DHDCD SHB lan thin 26); Ban Kiem soat SHB xin bao cao ket qua thut hien quyen han, nhiem vu chinh nam 2018 va phrrang huong cong tac cua BKS SHB nam 2019, nhu sau: I. THIYC HIVN QUYEN HAN, NHItM VU DUVC GIAO CUA BAN KIEM SOAT SHB TRONG NAM Thtrc hien cong tac giim sat vi0 tuan thu cac guy dinh cua phap hi't va Dieu le SHB trong viec plan tri, dieu hanh SHB: a) Doi vai Hoi cljng Quart tri: Thirc hien quyen han, nhiem vu quy dinh tai Dieu le SHB, Quy the guar' tri SHB, Quy the to chirc va hoat clong cua HDQT SHB da &Tot xay Ong lid si:ra doi theo quy dinh cua Luat Cac to chirc tin dung sira doi, bo sung so 17/2017/QH14 ngay 20/11/2017 cda QuOc hoi, Nghi dinh so 71/2017/ND-CP ngay 06/6/2017 dm Chinh phit, cua Ngan hang Nha rurac (NI-INN) va cac quy dinh cua phaplu4t co lien quan, vai cac not dung chinh sau: - Chi dao thirc hien hoan thanh cac not dung ke hoach nam 2018 da duvc DHDCD bieu quyet thong qua tai Nghi quyet so 01 DHDCD SHB lan alit. 26, tru not dung chia co tuc nam 2017 de tang von dieu le cua SHB do phai NHNN phe duyet chinh thirc. 1

2 - Tung thanh vien HDQT thuc hien nhiem vu dugc phan cong cu the theo Nghi quyet HDQT ban hanh phit hop Quy cite, quy dinh not 1)6 cua SHB, cua NI-INN va quy dinh cua phap luat. - Quyet dinh chinh sach quan 1T rui ro va Om sat viec thuc hien cac bien phap phong ngira rui ro cua SHB thong qua chi dao thanh lap Ban trien khai du an Basel II, chi dao trien khai thgc hien Thong tu so 13/2018/TT-NHNN ngay 18/5/2018 dm ThOng doc NHNN quy dinh ve he thong kiem soar not 116 (KSNB) cua ngan hang thuang mai, chi nhanh ngan hang ntrac ngoai (sau day dugc viet tat la Thong tu so 13/2018/TT-NHNN cua NHNN); chi dao trien khai thirc hien cong tac hien dai hoa cong nghe ngan hang. - Thong qua hog Ong dieu hanh he thong SHB theo quyen han, tham quyen cua TOng Giam doe (TGD) dugc quy dinh tai Dieu le SHB, thuc thi nhiem vu cac chi tieu ke hoach kinh doanh nam 2018 da dugc Nghi guy& so 01 DHDCD SHB ran thir 26 bieu quyet thong qua, HDQT kiem tra, giam sat TGD thirc hien nhiem vu dugc phan cong, danh gia hieu qua lam viec cua TGD. - Trinh ThOng d'oc NHNN chap thuan thanh lap cac Chi nhanh mai SHB theo quy dinh cua phap luat. - Chi dao viec ra soat, hoan thien he thong KSNB; ban hanh kip thqi thuc tham quy'en cua HDQT cac Quy che, Quy dinh not b6 theo quy dinh ctia NHNN va phap luat c6 lien quan. - HDQT da thirc hien cac nhiem vu khac theo not dung fly quyen cda DHDCD, theo quy dinh tai Dieu le SHB va cac quy dinh cua phap luat. b) Doi voi TGD: TGD da thirc hien quyen han va nhiem vu, cac not dung co lien quan tai Dieu le SHB, Quy che quart tri not b6 cua SHB, Quy dinh ye Bo may dieu hanh cua SHB, quy dinh cua NHNN va cac quy dinh cua phap luat c6 lien quan, vai cac not dung chinh sau: - Cu the h6a to chirc thuc hien Nghi guy& so 01 DHDCD SHB fan thir 26 da bieu quyet thong qua, cac quyet dinh cua HDQT SHB, thong, qua viec chi dao, dieu hanh, to chirc trien khai thirc hien ke hoach kinh doanh nam 2018 dong b6 to Tru chinh den cac don vi kinh doanh (DVKD) trong toan he thong SHB. - Quyet dinh cac van de thuc tham quyen va phan cong, uy quyen cho cac Ph6 TOng Giam doc thuc thi theo nhiem vu dugc phan cong lien quan den hoat dgng kinh doanh hang ngay cua SHB dugc &Ong bg, hieu qua. - Trinh HDQT cac van de Oat sinh trong qua trinh dieu hanh hog dgng hang ngay cua SHB vugt tham quyen. - Thiet lap va duy tri he thong KSNB theo quy dinh cua NHNN tirng thi kst, gop phan hog dgng kinh doanh he thong SHB dugc an toan, hieu qua va phat trien. Da ban hanh theo tham quyen cac quy dinh not b6, quy trinh, thit tvc tac nghiep, kien toan b6 may to chirc va nhan str cua SHB theo cac Nghi quyet, Quyet dinh cua HDQT. - Da chi dao cac don vi trong he thong SHB thuc hien cong tac ra soat cac ca che, quy che, quy dinh not b6 cua SHB, de xay dvng mai hoac sira doi, be, sung cac not dung, quy dinh khong con phit hop de ban hanh hoac trinh HDQT ban hanh theo tham quyen. 2

3 - TGD thoc hien cac nhiam vu khac theo tham quyan, theo chi dao &la HDQT, Nghi guy& cua DHDCD, Dieu la cua SHB va cac quy dinh cua phalli* có lien quan. 2. Ban hanh, xem xet Iii cac quy dinh not be cita BKS va be pit'an Kiem town not be (KTNB): a) BKS da ban hanh Quy the to chirc va hog dong cua BKS SHB sira doi bo sung phi) hop quy dinh Luat Cac to chirc tin dung sera doi, bo sung so 17/2017/QH14 ngdy 20/11/2017 cila QuOc hoi, Nghi dinh so 71/2017/ND-CP ngdy 06/6/2017 dm Chinh b) Da chi dao KhOi KTNB hoan thanh,viac xay dung Quy dinh va chirc va hog Ong Khoi KTNB; tiep tuc chi dao Khoi KTNB hoan thi'en, sira doi, bo sung Cam nang KTNB thay the cam nang KTNB hien tai khong con phi) hqp. c) BKS da ky ban hanh Quy trinh KTNB SHB sua doi, ba, sung, thay the Quy trinh KTNB cu khong con phi) hop. 3. Thuc hien quyen han, nhiem vu cua BKS d6i v6i be phalt KTNB: a) BKS da phan cong Pho Trugng BKS, thanh vien BKS chuyen trach tham do cac cuoc hop hang thang cila Khoi KTNB de chi dao kip tiled cong viac cila Khoi KTNB. b) Da ra cac Quyat dinh va viac tuyan dung, 1)6' nhiam mod, be) nhiam lai nhan so KhOi KTNB tai Tru sar chinh va tai cac Chi nhanh, de kin toan nhan so dam bao cho viac thoc hien dugc K'e hooch KTNB da de ra. c) Trong nam 2018, KhOi KTNB da thoc hien 28 cuoc kiem toan tai ch8 va kiem tra dot xuat theo chi dao cua Chu tich HDQT, BKS, TGD. Tren co se( cac cuoc kiem toan neu tren, Khoi KTNB da lap cac Bao cap tang hop cac sai pham, ton tai doi \Tad cac nghiap vu tai DVKD va guri cac Bao cao nay cho TGD va cac dun vi quan theo nganh doc tai 'fru chinh có lien quan, de phoi hop chi dao chan chinh sau kiem toan doi \Tad cac DVKD dirge kiem toan. d) Da chi dao KhOi KTNB thoc hien cong tac giam sat tir xa (GSTX) doi vo i cac linh voc hog dong cua SHB, dam bao dung quy dinh cua phap luat va ty la an toan trong hog dong ngan hang theo quy dinh cua NHNN. 4. Thtyc hien tham - dinh Bao cao tai chinh (BCTC) hop nhit 6 thang au Want 2018 va nam 2018 dm SHB: 4.1. BKS da thtec hien tham dinh BCTC 6 thong dau /lam 2018: BKS da thoc hien tham dinh BCTC 6 thang dau nam 2018 cila SHB da diroc Cong ty Kiem toan TNHH KPMG (KPMG) Viet Nam thoc hien kiem toan. Ket qua tham dinh BCTC 6 thang dau nam 2018 dm SHB cho thay SHB da thoc hien the di) tai chinh - ke toan theo dung cac quy dinh cila NI-INN, BO Tai chinh (BTC), phii hop vai cac chuan moc ke toan Viet Nam va cac quy dinh hien hanh cua phap luat ve ke toan, the hien dung, hop ly tinh hinh tai chinh va hog dong kinh doanh ctia SHB Thyv hien that'll dinh BCTC nam 2018 cica SHB: a) BKS xac nhan: BCTC nam 2018 dm SHB diroc lap theo dung cac quy dinh cua NHNN, phu hop vgi cac chuan moc ke toan Viet Nam va cac quy dinh hien hanh cua phap luat ye ke toan, the hien 'Ring va hop ly tinh hinh tai chinh va hog &Ong kinh doanh cua SHB. 3

4 b) Cac chi tieu tai chinh ca ban nam 2018 (theo BCTC hqp nhat SHB nam 2018 da duqc kiem toan tinh den th6i diem ngdy 31/12/2018): STT Chi tieu Ting hien den 31/12/2018 (1) (2) (3) KZ ho#ch nam 2018 theo NQ 01 DHDCD SHB fan thir 26 Don vi : ts7 d6ng Ty le % Hive hien so veri KH nam 2018 theo NQ 01 DHDCD SHB fan thir 26 (4) (5) (3)44) 1 T6ng tai san , ,5% 2 V6n dieu le , ,9% V6n huy Ong tir TCKT va 3 ca nhan , ,1% 4 S6 du cap tin dung , ,4% 5 Lqi nhuan truac thue 2.093, ,1% 6 TS/ le nq x'au 2,40% <3% Hoan thanh c) Chi tieu ve darn bao an toan von nam 2018 (theo quy dinh cua NHNN va Nghi., et 01 dia. DHDCD lan thin 26 dm SHB): Chi tieu ve dam bao an toan Theo quy dinh Theo NQ 01 Thiye hien eutii nam von trong ho#t d(ing kinh ciia NHNN DHDCD SHB fan 2018 cila SHB thir 26 > 9% Ty le an toan von tell thieu.?- 9% 11,79% v "IsT 1 d) Chi phi alit lao HDQT, BKS nam 2018 trong pham vi ngan sac a uvc g quyet so 01 DHDCD SHB lan thir 26 bieu quyet thong qua. 5. Kiem tra so sad' ke toan, cac tai lieu khac va cong viec quan 1y, dieu hanh hot d(ing cua SHB: BKS da duy tri to chirc thuang xuyen cong tac nay thong qua viec chi dao Kh6i KTNB SHB. 6. L4p danh sach co dong lon va nhitng ngtri:ri co lien quan ciia thanh vien HDQT, thanh vien BKS, TGD SHB: Trong nam 2018, nhang ngued c6 lien quan cua thanh vien HDQT, thanh vien BKS, TGD va cac co dong lan cua SHB da tham gia gop von co phan vao SHB khong vuqt tst le g6p von theo quy dinh cua phap luat va NHNN. 7. Thkrc hien quy dinh tai Khoan 13, Dieu 60 Dieu le SHB, Truang BKS/Ph6 Truang BKS/cac thanh vien BKS da tham du day du phien hop DHDCD lan thir 26 to cluirc ngay 23/4/2018 tai Ha N6i. Trong nam 2018, Truang BKS da tham du cac cuoc h9p cua HDQT, du cac cuoc hop dm Ban Dieu hanh co lien quan. 4

5 8. Phe duyet chinh sach KTNB, phe duyet va dieu chinh Ke ho#ch KTNB tren ca se( thao Juan veri TGD va thong nhat cua Chit tich HDQT: - BKS da phe duyet Quy trinh KTNB SHB thay the Quy trinh KTNB SHB khong con phit hgp, phe duyet ke hoach KTNB hang nam cua Khoi KTNB. 9. Dam bao phoi liqp hien qua vqi Kiem than d'qc Yap, Kiem toan Nha ntr6c, Thanh tra Chinh phu va NHNN: Trong nam 2018, BKS da thuc hien tot cong tac tren trong cac buoi lam viec, tiep xitc, tham du cac cuoc,hop cac Co' quan tren va chi ciao Khoi KTNB tot cong tac dau moi cita SHB de tip xuc vai cac Cu quan nay. 10. Ket qua danh gia sly phoi hgp boat Ong gift BKS veri HDQT, TGD va cac co 'Jong (theo Khoan 5, DiL 10 Nghi dinh 71/2017/ND-CP ctia Chinh phu): Thuc hien su phi hgp hog dong gift BKS voi HDQT, TGD va cac co dong theo Quy the quan tri not bo cita SHB, Quy che ve to chirc va hoat dong cua BKS. 11. nip hien cac nhiem vu Ara quyen han khic ciia BKS theo quy dinh tai Dieu le, cac quy dinh not bei khac cua SHB va quy dinh ciia phap 104 II. PHU'ONG HIfONG, NHItM VU CUA BKS TRONG NAM Can cir quyen han, nhiem vu cua BKS quy dinh tai Dieu le, cac quy dinh not bo khac cita SHB; BKS xay dung phuong huang, nhiem v1,1 cita BKS trong nam 2019 nhu sau: 1. Thuc hien cong tac Om sat viec tuan thit cac quy dinh cua phap lust va Dieu le SHB trong viec quart tri, dieu hanh SHB. 2. Ban hanh, xem xet lai cac quy dinh not bo cita BKS va cita KhOi KTNB. 3. Thuc hien quyen han, nhiem vu cua BKS d'oi veri bo phan KTNB. 4. Dinh l(st thong bao HDQT, TGD ve he thong KSNB; dua ra cac kien nghi, de xuat nharn chinh sira, hoan thien N thong KSNB. 5. Lap Bao cao cita BKS Viv,thuc hien quy'en han, nhiem v11 dugc giao BKS nam 2018; tham dinh BCTC hop nhat SHB nam 2018 theo ket qua kiem toan cua COng ty Kiem toan KPMG Viet Nam giri HDQT va trinh DHDCD SHB lan thir Lap Bao cao cita BKS giri NHNN cac cap, theo quy dinh cua NHNN. 7. Kiem tra so sach ke toast, cac tai lieu khac va cong viec quan ly, dieu hanh hoat d'ong cua SHB. 8. Truett- 1g hop phat hien hanh vi vi pham phap lust hoac vi pham Dieu le SHB cua thanh vien HDQT, TGD, Giam doc va ngugi dieu hanh doanh nghiep khac, phal thong bao bang van ban vad HDQT trong vong 48 gig, yeu cau nguai có hanh vi vi pham cham dirt vi pham va có giai phap khac phpc hau qua. 9. Lap danh sach co dong 16n va nhang ngugi co lien quan cita thanh vien HDQT, thanh vien BKS, TGD SHB, phoi imp vai Van pilot-1g HDQT lap, luu giix va cap nhat thay doi cua danh sach nay. 10. De nghi HDQT hgp bat thugng hoac de nghi HDQT trieu tap DHDCD hgp bat thugng theo quy dinh tai Dieu le SHB. 5

6 11. Trieu tap DHDCD hop bat thuang trong,trtrang hap HDQT co guy& dinh vi pham nghiem trong quy dinh phap luat, caa Dieu le SHB hoac vtrat qua tham quyen dtrac giao va truang hap khac theo quy dinh tai Dieu le SHB. 12. Dam bao phi hap hieu qua \Rad Kiem toan doc lap, Kiem toan Nha ntrac, Thanh tra Chinh phu va NHNN khi có cac don vi nay vao lam viec tai SHB., 13. Tip tpc thirc hien nhiem vg BO phan thtrang trgc Ban Chi dao thirc hien Quy the dan chit o co so cua SHB; cita BO ph'an thuang trtrc Ban Chi dao Phong, chong tham nhting va toi pham cua SHB (dot tai BKS SHB) 14. T(''5 chirc hop BKS dinh ks7cac quy trong nom 2019 theo Dieu le quy dinh. 15. Thgc hien cac nhiem vu va quyen han khac cua BKS theo quy dinh tai Dieu le, cac quy dinh not bo khac caa SHB va quy dinh cua phap luat. III. MOT SO KIEN NGHI CUA BKS. Ti ket qua thirc hien hog dong nom 2018 va ke hooch hog dong nom 2019 tren day cua BKS, BKS kiezn nghi voi Dai hoi d6rig co 'Jong, HDQT, Ban Dieu hanh SHB nhang not dung sau: 1. SHB tiep tijc to chirc, hoan thien he thong kiem soot not bo theo quy dinh tai TitOng to so 13/2018/TT-NHNN ngdy 18/5/2018 cita Th6ng d'6c NHNN quy dinh ve he th6ng kiern soot not b() cua ngan hang thuang mai, chi nhanh ngan hang ntrac ngoai. 2. SHB tier, tuc tang cuang irng dung cong nghe thong tin trong hog dong ngan hang trong he thong SHB, nham bat kip xu huang cach mang cong nghiep 4.0, dam bao an toan, bao mat he thong. Tren day la Bao coo ket qua thirc hien quyen hart, nhiem vu nom 2018 va phtrung htrang, nhiem vu cua BKS trong nom 2019, Ban Kiem soot kinh trinh DHDCD thuang nien lan thir 27 cha SHB xem xet./. Tran trong! No'i nhip: - Nhu tren (de ban coo); - HDQT SHB (d bao coo); - TGD SHB (de biet); - Luu: BKS. N KIEM SOAT ou, G BAN *6 o co' NGAN HANG 0 ) NAG 41 Co * SA1 GUN-HA NI Hon Binh 6