CONG TY CP BAO HIEM
NGAN HANG NONG NGHIEP

CONG HOA XA HOI CHU NGIIIA VIET NAM
Dc lp — Tkr do —1-14nh pink

S6: 79 /1 /2015/1IC-ABIC-DT

Ha nOi, ngay/Mtthang 04 nam 2015

BAO CAO THU'ffING MEN NAM 2014
CONG TY CO PHAN BAO HIM NGAN HANG NONG NGHIEP
I. THONG TIN CHUNG
1. Tilling tin khai quit
- TEn tieng viEt: Cong ty c6 phan bao hi6m Ngan hang Nong nghiEp
- Ten giao dich: Bao hiem Agribank
38GP/GPDC4
- Giay chirng nhan kinh doanh s6: Giay phep diL chinh g'an nWat
/KDBH do B6 tai chinh cap ngay 07/01/2015.
- V6n diL 1E: 380.000.000.000 dong
- V6n d'au tu dia chü so. him: 368.418.000.000 d6ng
- Da chi: ling 6 nha 29T1, &rang Hoang Dao ThUy - Câu GiAy- Ha Ni
04.62990055
- S6 diEn thoai:
04.62580055
- St) FAX:
Abic.com.vn
- Website:
ABI
- ma c6 phieu:
2. Qua trinh phat tri&


Ban Tting giam deic:
Ban,Tong P,-iam dO'c bao g6m T6ng giam d6c va,cac Pho T6.ng giam de)c do HDQT
quyet dinh bo nhiem, mi6n nhiem. Tong giam doc la nauei dieu hanh cao nhat m9i
hot dOng kinh doanh hang ngay caa Cong ty.
Cac Pho„ng Ban Cling ty:
- Ban kiem tra ki6m soat nOi bO
- Ban quail 13'/rüi ro
- PhOng Tai san k5 thuat
- Phong Hang hai
- Phong Phi Hang hai
- PhOng Tai bao hiem
- Phong Quan 13", dai 13", \fa PTHT
- PhOng Giam dinh boi thuong
- Phang Ke toan -Tai chinh
- PhOng Dau tu von
- PhOng T6 chirc hanh chinh
- PhOng Thu k phap che'
- Phang Cong nghe thong tin
4.2 Mpg lu-oi hog Ong cila Cong ty
1.Trij sâ chinh - ABIC
- Dia chi: TZing 6 nha 29T1, &rang Mang Dgo Thity - Trung 116a - diu Gay Ha Ni
- Dien thogi: 04.37622555 Fax: 04.37622055
2. Chi nhanh ABIC - Ha Ni
- Dia chi.. 343 DOi can Ba Dinh Ni
- Dien thogi: 04.62754455 Fax: 04.62754466
3. Chi nhanh ABIC TP H6. Chi Minh
- Dia chi: 38 Phan Dang Ltru Phtrang57 - Quan Phit Nhuan - TP IICM
- Dien thogi: 08.38249797 Fax: 08.382.49855
4. Chi nhanh ABIC - Da 1\l'ang

bao hiem khac tren thi tnrang. ABIC se tap trung vac, nhung san pham bao hiem rnói
hudng ye khu ygc nong nghiep non2, thorn day mph phat trien cac dich vi tai chinh,
tang cueyng chia se rüi ro cho khu vgc nOng thong gap phan xay &king nong them mdi
theo dueyng loi cua fang vA Nha Nudc.
6. Cac riii ro
Kinh doanh bao hiem la thvc hien kinh doanh rüi ro, nhan cac rüi ro tham h9a
tir nguai mua bao hie'm và phan tan rüi ro, chuyen giao rüi ro cho thi trung bao hiem
trong nudc va queSc te. Mic tieu caa Cong ty IA phat trien kinh doanh thong qua viec
kinh doanh rüi ro, ne'u thien tai say ra vdi tan suat ldn han trung binh se anh hudng den
ket qua hog de)ng cña Cong ty.
II. Tinh hinh hot dOng trong nam 2014
1. Tinh hinh hokit d(ing san xuat kinh doanh
Kt qua ho4t Om& nam 2014
- Doanh thu bao hiem goc: 632,6 tST &mg dg 120% so vai nam truck.
- Doanh thu nhan tai bao hi6m: 24,2 tS/ &mg dg 120% so vai nam trudc.
- Doanh thu dau tu tai,chinh: 43,1 t$, d6ng bang 103% so vai nam trudc.
nhuan truck thue: 147,9 tS, dong, bang 206% so vai nam truck.
2. To chirc va nhan sr:
2.1 Danh sach, t6m tat 1$___Lich va t5T1§ so' hiru co phan ca nhan ciia Ban dies u hanh:
Chirc danh
Ghi chit
T571E hfru CP (A)
TT Ho va ten
Hoax-1g Thi Tinh Ton.g .giam doc
1
0,11
2
Do Minh Hoang Pho Tong giam dôc
0,18
an,

NHNo;
▪ TU. 11/2007 den 12/09/2010: Ice toan trudnp, Truang phong ke toan tai chinh Cana—
ty co phan bac) hiem Ngan hang Nong nghiep:
3


Tr 13/09/2010 de'n 08/06/2014 Ph6 T6ng giam d'6c Cong ty c phAn bao hie'm Ngan
hang Nong nghiEp.,
Ti 09/06/2014 den nay: Tong giam doc Com?, ty cô phan bao hiEm Ngan hang NOng
ngh, Ep.
b) Ong Do Minh Hoang- Pho Tiing giarn d6c.
-Ngay thang nam sinh: 01/08/1966 ,
-Trinh dio chuyen mon: Th4c sy kinh te chuyen nganh Tai chinh- Ngan hang Bao hi6m;
CCr nhan Luat; Kiem toan vien nha nude, chi.mg chi dao to cac nha lanh do DNBH,
trinh d6 ngo4i ngir: Tieng Anh B.
- Chdc vii c6ng tac hiEn nay: Ph6 Tong giam d6c Cong ty co' pha.‘ n Bao hi6m Ngan
hang Nong nghiEp;
- Kinh nghiEm cong tac:
- lir 1990 den 1994: TP Bao hi6m Sac San — Bao hi6m HN;
- Tir 1994 den 1996: TP Bao hiêrn HBT- Bao Vi'Et Ha Ni;
Tix 1996 den 1997: Pho phong Bao hiLa Phi Hang Hai — Bao Minh Ha Ni;
- Tix 1997 den 1998: Truang di din Chi nhanh Bao Minh Hai Duang,
1998 d6n 2000: Pho pheng Phi Hang Hai — Bao Minh Ha Ni;
Tir 2000 d'L 2004: Trueyng phong khu vue 8- Bao Minh Ha Ni;
- Tr 2004 an 2006: Ki6m toan vien Nha nude — CQ kiêm toan Nha nuo.c;
Tix 5/2006 d'L 5/2007: Chuyen vien Ban tra bi thanh lap ABIC;
- tix 5/2007 an 18/05/2010: Quy'en T6ng giam doe Cong ty cô phAn bao hi6m Ngan
hang Nang nghiEp.
Tir 18/05/2010 dri nay: Pho T6ng aiam doe Cong ty co' phin bao hiërn Ngan hang
Nong nghiEp.


- Tir 12/1989 den 7/1990: Pho phong Bao hi6m phuung tin - Bao Viet Ha N6i;
- Tir 8/1990 den 11/1994: Pho pheng phi trach phOng Bao hi6m phi hang hai Bac. Viet Ha N6i;
- Tir 12/1 994 den 7/1995: Can b6 Quy tin dpn.c4nhan dan Trung Jiang;
Tir 8/1995 den 2/1996: Ph6 Giam d6c php trach phOng Thong tin - Phap ly vã
Quan h quoc tê - Quy tin dpng nhan dan Trung
Tr 3/1996 d6n 7/1996: Can b6 COng ty BH TP. WO Chi Minh - Bao Minh Chi
nhanh Ha N6i;
Tix 8/1996 d6n 12/1997: Pho phOng PHH phi trach b6 ph'dri dai 1 - COng, tac
vien - Bao Minh Ha N6i;
- TU. 01/1 997 d6n 8/1998: Truong phong DDBH Bao Minh Nghe An;
Tir 9/1998 d6n 02/1999: Pho Giam d6c php trach Chi nhanh Bao Minh NgheAm
- Tir 03/1999 den 4/2000: Tru&ng phong nghiep vi Bac) Minh Ha Ni;
Tr 7/2001 den 12/2004: Truong phong Cong nghe va dich vii thong tin - Bao
hiern tien
Viet,Nam,
Tir 1/2005 den 4/2005: Trixeing, phong Thong tin tuyen truye'n - Bao hie'm tie'n gfri
Viet Nam;
din Bao Minh tai HA Ni;
Tix 4/2005 den 7/2006: TrireYng van phOng
- Tr 8/2006 den 6/2007: Chuyen vien Ban tru bi thanh lap COna ty CP Bao hi6m
Ngan hang Nong nghiep;
-- Tu. 6/2007 den 30/8/2012: TruOng Phong Quan 1/ Di & PTHT Cong ty CP
Bao hie'm Ngan hang Nong nghiep.
Tix 1/9/2012 den nay: Ph6 Tong Giam dôc Cong ty CP Bao hiCrn Ngan hang
Nong
e) Ong NguyZn Tien Hai - Pho T6ng giani d'cic
- Ngdy thang nam sinh: 12/08/1975 ,
- Trinh d6 chuyen,mon: Thac sy kinh te lulat kinh tê va quan1 chuyen nganh tai chinh,
ngan hang, bao hiem

Nhan sir toan COng ty tinh den 31/12/2014 la: 479 can bO- nhan \fib. tron2, do:
lao Ong dai hp 404 can b(), lao d'Onp, naan hp 75 can hO.
Chinh sach doi
lao dOng:
Cong ty cid ban hanh va tht,rc hisn co ket qua van ban s6: 1899/2014/QD-ABICKTTC quy dinh ye Quy thu nhp trong toan Cong ty. Day la van ban nen tang dieu
chinh ye ca, che phan phoi lien luang cho ngued lao Ong, gan vie:c phan phoi tiL
Krung vài ket qua kinh doanh cuoi ding. Thu nhap bi.nh quan dau nguai toan Cong ty
nam 2014 la 17 trieu donginguai/ thang tang so voi nam 2013, nhu v"4 da thgc hin
dUng Nghi quyet ciXa Hi dong quail tri giao. Ngoai ra cac che dO BHXH, BHYT, luon
dugc darn bao day dta
riguai lao dOng.
3.Tinh hinh dau tif, tinh hinh thvc hin cac thy An
a)Cac khan d'au
(khong co.)
b)Cac cong ty con, cong ty lien ket: (Khong co)
4. Tinh hinh tai chinh
a) Tinh hinh tai chinh
Dan vi: TY' VND
TT
1
2
3
4
5
6
7

Chi tieu

Nam 2013

1.4
18.1
76.5

b) Cac chi tieu tai chinh chU y6u
Chi tieu

Nam 2013

I. Chi tieu
ming thanh twin
thanh toan n• an han:
TSLD/Ncy ng'an han
H" s6 thanh toan nhanh:
(TSLD - hang t6n kho)/ Nc ng'an han
2. Chi tieu ye co cáu Va 11
Npiphai tra/Tona nguo'n v6n
-- Np.u6n on chili so hiru/T6n0
a na
tC6n
von
o
3. Chi tieu v'se ming lur hoat tiling
Vong_quay hang t6n kho
Doanh thu thuan/T6ng tai san
4. Chi tieu ye khii ming sinh Lai
-Ts, suat 19.i nhua'n truck thue/Doanh thu
Tjt su'at Igi nhuan sau thu/Doanh thu
- TS/ suat igi nhiAn track thu&T6ng tai san
- TS, suat igi nhuan sau thu6/"L6ng tai san

5.45
11.37

6

Nam 2014

Ghi chü


so. biTu
5.Co' cAtt, cil dông, thay doi von du
a, CO phan:
T6-n2 so, co phan cua Cong ty: 38.000.000 CP n*i.h gia 10.000 d6ng trong do: Co'
phan pho thong: 38.000.000 CP, co phAn uu dai: (Khong có), cô phAn han che chuye'n
nhugna:
(Khong có).
, h„
36.841.800 CP, tong so co phan chua luu hanh
Tong so co phan clang luu
phial guy): 1.158.200 CP.
b, Co cAu c.6 dOng:
* CO dong
Cac co Tong lan so. him: 22.700.000 CP chiem: 59.74% co phan cüa Cong ty
Danh sach cac c6 dOng lón c:Ua Cong ty:
- Ngan hang Wing nghie'p &PTNT V* Nam, dia chi so 2 Lang H4, Ba Dinh- Ha Ni,
so. him 19.500.000 CP chi6m 51,32% Vo'n diêu 1.
- Tong cong ty TAi bao hiem quoc gia V* Nam, dia chi 141 Le Duan — Hoan Kiem
Ha Ni, so. hau 3.200.000 CP, chi6m 8,42% Von di41 l.
(long nho:

b0 may dugc tinh gçn theo hu.O.ng hieu qua. ,
- Xay dyng vá phat trien kenh phan phoi ket hop Ngan hang - Bao hiem rOng khap.
ph hgp voi thi trueyng khach hang myc tieu va dat hieu qua cao.
2. Danh gla cira IJi Ong quan trj v hoci dng clia Ban Tang Gicim dc cong ty.
- Ban Tang Giam dc cong ty g6m 5 thanh vien (Tong Giam deic va 4 Pilo T6ng Giãrn
doe - trong do 1 PhO To'ng Giam doe phy trach khu vyc phia Nam) da thyc hien
8


viec phan cong cong viec, phan cap \fa LIS/ guyen darn bao diêu hanh m9i hog dOng
kinh doanh cüa cong ty, bao quat toan b6 cac chi nhanh theo khu vuc
- Ban Tong Giam doe da- chi do Cong ty to' chirc thuc hien tot cac Nghi quyet, quyet
dinh cda Dai h6i d6ng c6 dong va caa H6i d'ang guan tn cong ty, thuOng xuyen barn
sat dia ban. nam bat thuc tin ho.g Ong kinh doanh de co quy'-et dinh dieu chinh phü
hgp.
- Hog d6ng di'eu hanh cna Ban T6ng Giam d'6c dã dam bao tuan thu theo dung cac guy
dinh cUa phap luat, guy dinh cila Dieu le cong ty va theo dung dinh huang cua HOi
Tong quan tri, thuc hien hoan thanh va vugt rnirc ke hoch kinh doanh do HOi °long
guarl tri giao.
3. Cac kI hogch, inh hzrorg C1:10 110i Ogng pan tri:
Hog d6ng cUa HDQT cong ty trong nam 2015 se t4p trung vao m6t so linh vgc sau:
- Nam 2015, HDQT trinh DHDCD thuOng nien nam 2015 cac n6i dung can dugc
thong qua va phe duyet theo guy dinh cña Phap 10t. \fa Dieu le Cong ty.
- Duy tri nghiem tiac hog d6ng cda HDQT theo guy dinh cda Phap 1u4t. va Dieu le
cong ty, nang cao nang luc, hieu qua giam sat cilia HDQT d6i vi cac hog d6ng diAu
hanh kinh doanh thuOng xuyen cUa cong ty.
giam sat va h.(3."
- Phat huy tinh chü d6ng cUa cac thanh vien HDQT trong viec quan
trg cac don vi trong hog d6ng kinh doanh theo nhi'em vi dugc phan cong.
trung ra soat, chinh sira, b6 sung he* thOng cac guy che, guy dinh ye quan tri dieu
Thanh vien HDQT va tY le sä hau co phan cá nhan cüa thanh vien HDQT
TS' 1 s& Min
Chin danh
Ghi chu
TT Ho va Ten
cô phAn (/0)
HDQT bau ngdy
ChütichHDQT
0
Dinh Viet Dong
1
15/12/2014
(Min nhiêrn tir
Nguyen Chil tich
Nguygn Van Minh
2
ngdy
15/12/2014)
HDQT
0,11
Pho Chia tich HDQT


Ban hanh Nghi quyt

5

Nigay 08/07/2014

KS/ h9p thir 29

Ban hanh Nghl. quy6t

6

Ngay 11/06/2014

KS' h9p thir 28

Ban hanh Nghi guy&

7

Ngdy 04/06/2014

K5' hcp thir 27

Ban hanh Nghi quye't

KS, hcp thir 32
thLrong


- Phe duyet nâng cap to &Am dinh b6i thuemg thanh Phong Giam dinh be'yi thuem2, tai
Chi nhanh Khanh Hea.
* Ve cong tac nhan sz.r:
- BAu Chu tich HDQT mai Ong Dinh Viet Wong thay Ong NguyL Van Minh trong
nhiem 1
vái ChU tich HDQT tai hi nghi giao ban.
- Cdc thanh vien HDQT chü dOng thgc hien hoat d6ng kiêrn tra, giam sat trong pham
vi dugc phan cOng, thgc hien cdc hog dOng ho trg cdc don vi chi nhanh. Ket qua hoat
- d6ng cUa cdc thanh vien HDQT duge bdo cdo vOi HDQT tai cdc kY hop.
dong quail ti- f:
* Ifocyt clOng cira ccic Ban thttk
ro va
- HDQT Cong ty ABIC dä thanh lap 02 Ban trgc thu6c HDQT (Ban Quan
Ban kiern tra kiem sodt n6i b6) co ban hanh Quy che TO chUc va boat dOng cho timgei2v
Ban va bo nhiem Thu. Cong ty.
Vtd
11


- Cdc Ban truc thu6c HDQT \fa Thu 1(3"/ Cong ty thgc hien chdc nang tham num, giUp
viec cho HDQT trong cong viec quan trj. giam sat vã kiem tra cdc hoat dOng dlla Cong
ty.
d) Hoat d6rip, dlla thanh„vien 16i d6ng quan tri kh6ng dieu hanh
e) Hoat Ong dlla cdc tieu ban trong 116i dOng quan tri
(Khong có)
2. Ban ki'e'rn soat
2.1 Danh sach ban kiêm soat vã t5, .1e so. him Co phAn
IT Ho va ten
Chirc danh
Ghi chti.
TS" 1',6 so. hiru CP (%)
1 Mai Khanh Chung.
Truong ban
0,13
2 Luu Thi Viet Hoa

„ - Kiem tra tinh hop l, hop phdp, tinh trung,thgc va mdc d6 can trong trong quan 13"/,
dieu hanh hog d6ng kinh doanh, trong con tdc ke todn, thong ke va ,lap bdo cao tai chinh. •
- Tham du thong qua cAc bien ban kiem tra cua doan kiem tra kiem todn nOi bO.
- TO chtirc doan kiem tra kieth sodt toan din cdc hog d6na doi vài cac chi nhanh truc
thLic)c cong ty
- Truoma Ban kiem soat tham gia cdc buoi hi nghi giao ban cda COng ty de nam bat
tinh hinh trien khai ding tac kinh doanh cua toan Cong ty.
- Ph6i hop vã ke't hop chat che vai Ban T6ng,giam doc, Cdc pheng nghiep vii trp se).
chinh va cdc chi nhanh trgc thu6c trong qud trinh kiem tra giam sat de' hoan thanh nhiem vt.Lev

12


3. Cac giao dich, thit lao va cac khodn 19.i ich ciia liQi (long quan tri, Ban Tong giarn
d6c va Ban ki e. 'rn soat:
a)Lirceng, thuiimg, thu lao, cac khodn loi ich:
Don vi: VND
iTiên luceng/
S6
(Thirc da n h
119 vi ten
TT
Thñ lao
thing
I

HO d•fing Quan trj

633,500,000
Chu tich IIDQT khong

3,088,240,122
III Ban ditu hanh
Chi.1 tich HDQT kiem TGD :
6
380,000,000
Nguy-e'n Van Minh
1
12
701,809.524
Tang Giam dc
Hoang Thi Tinh
2
12
641,500,000
PhO T6ng Giarn dc
D8 Minh Hoang
3
12
595,750,000
Pho T6ng Giam. de)c
4 Mai Sinh
6
325,000,000 .
Pho Tang Giam do'c
5
Nguy76n Tin Hai
444,180.598
12
PhO T6ng Giam cle3c
Quach Ta Khang

Phai thu cüa khach hang

1.1
1.2

Phcii thu ve' hop clang boo him
Plied thu khac czia khach hang

2
4
5
IV
1
V
1
/./

Tra trutc cho nguai ban
Cac khan phai thu khac
Dv phang phai thu ngan han khO dei
Hang fon kho
Hang t6n kho
Tai sin ngin hn khac
Chi phi tra truac ngan hn
Chi phi hoa hang chira phan ho

1.2

Chi phi tra tilt& necin On kink


198.876.567.367

131.1
131.2

85.745.126.129
19.382.427.334

192.372.090.547
6.504.476.820

132
135
139
140
141
150
151

1.796.662.118
19.781.788.125
(4.284.232.084)
1.492.794.996
1.492.794.996
57.369.820.085
55.012.500.606

1.407.913.400
19.726.466.430
(2.753.117.362)

6.243.968.670

13.692.613

17

10

218.1
218.2

220
991

- Nguyen gici
- Cia tri hao mon Izo7 kJ

222
273

Tai sin c dinh vo hinh

??7

- Nguyen gia

228
799

Cac khan du tutai chinh dai han

130
131

250
258

11

12

13

1.978.875.782
104.158.240.894
27.690.818.337
76.467.422.557
128.036.407.906
6.380.700.000
6.380.700.000

6.000.000.000
243.968.670

6.000.000.000
380.700.000

124.417.470.480

111.278.583.630
73.543.383.182

259

Tai sin dai han khac
Chi phi tra truck dai han
TONG CONG TAI SAN

260
261
270

4.842.574.510
4.842.574.510
1.145.268.557.599

3.106.199.476
3.106.199.476
1.071.034.597.316

300
310
31-)

613.637.703.436
611.165.506.735
64.163.684.614

607.223.107.179
605.190.792.096
95.960.655.241



319

15

2.053.194.866
18.097.129.806
30.678.143.007

1.688.542.630
4.114.874.447
40.200.157.555

16

5.956.961.806

4.922.788.405

17

7.477.056.629
23.474.275.339
461.318.255.534

16.133.793.791
443.858.522.657

329 1


2.467.196.701
531.630.854.163
531.630.854.163
380.000.000.000
12.000.000.000
(13.898.400.000)
10.670.838.018
8.811.463.116
17.381.940.490
116.665.012.539

39.112.851.170
2.032.315.083
5.000.000
2.027.315.083
463.811.490.137
463.811.490.137
380.000.000.000
12.000.000.000
(13.898.400.000)
8.034.780.865
6.175.405.963
11.620.147.455
59.879.555.854

TONG CONG NGCON VON

440

1.145.268.557.599

4
7
8
9
11

312.2
314
315

319.1
323
379

338
400
410
411
412
414
417
41-8
419
421

18

2.2 13ao cao 11,o#t odOng ket qua kinh doanh
Dan vi: VND
2013


13

5.

TO'ng chi phi hoat Ong kinh doanh bao hiem

20

(253.537.339.465)

(235.493.319.832)

7.

Chi phi hoat Ong tai chinh

22

5.196.694.545

(7.099.376.860)

8.

Chi phi quan 1/ doanh nghiep

23

(199.764.282.486)

13. Loi nhuf.in sau thut thu nh4 doanh

52

_

1 4. Lai ca ban tren co phieu

690.584.850 I

201.668.376 '

25.064.513

60

115.235.860.710

52.721.143.062

70

3.128

1.431

2.3 Bao cao hru chuye'n
Dan vi: VND
Ma
s6

9. Tin tra cho cac khoan phai tr. khac
10.Tien irng twat cho nguti ban va tarn f.rng cho NV
Ltru chuy61 tin than tir hog dOng san xat KD
II — Lum chtiOn tin tir hoot Ong du ttr
1. Tin thutr cac khoan ho.at dOng dAu ttr vao don vj khac
2. Tin thu tir lai dau rn
3. Tin du tu• vao tin gCri c6 kji han
4. Tin chi mua s'arn tai san Co dinh
Lau chuy& tin than tir hot Ong du ttr
III — Ltru chuy& Wen tir hot O'ng tai chinh
1.Titn thu do di vay
2.Titn dä tra ng vay
3.Titn lai da tra cho cac nha du tu
Ltru chuyin tin than tir hot Ong tai chinh
Lau chuytn tin thuAn trong 1(5,
Tin tn du
Anh hutrig chenh lech t gia
Tin ton cu6i

a

5
6
7
8
9
10
11
20


62.160.245.185

(37.377.500.000)
(37.377.500.000)
(259.347.567.249)
475.018.018.342
14.959.861
215.685.410.954

402.230.000.000
(404.187.757.083)
(36.638.900.000)
(38.596.657.083)
56.913.536.386
418.103.087.430
1.394.526
475.018.018.342

*),

24
25
30
31
34
36
40
50
60
70