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HDBank Cons hit loo Ith too oh 6t hiti le Ng in han MCP Phat tr4n T .Ho Chi Minh - HDBank
DIEU LE
NGAN HANG THIAING MAI CO PHAN PHAT TRIEN THANH PHO HO CHI MINH
PHAN M6 DAU
NGAN HANG THU'ONG MAI CO PHAN PHAT TRIEN THANH PHO HO CHI MINH
(sau day goi tit la "Ngan hang") IA Ngan hang thuang mai ce phan thvc hien cac hoat deng
ngan hang, kinh doanh tien to va cac hoat deng kinh doanh khac c6 lien quan theo Quy dinh
cua phap luat vi muc Bich loi nhuan, gop phAn phat trien kinh to dAt nuac. To chirc va hoot
dOng cua Ngan hang &roc thkrc hien theo Dieu le nay, cac quy dinh hien hanh cua NHNN
Viet Nam va cac quy dinh phap luat khac co lien quan.
Dieu le nay do Dai hei deng co (tong cua Ngan hang quyet dinh thong qua tai phien hop
thul:mg nice cua Doi 116i dent; cO dOnglIDBank duoc 16 cht:rc vao ngay 27 [hang 04 nam 2012
va &roc thong qua sira dei, be sung tai phien hop bat thuang cua Dai hei ding ce eking
HDBank to chdc vao ngay 28 thing 09 nam 2013 wan thin cac quy dinh cua NHNN va cac
quy dinh phap luat c6 lien quan hien hanh.
Dieu le nay bao gem 23 Chuang, 91 Dieu.
Chuang 1
DINH NGHIA CAC THUAT NG fi TRONG DIEU LE
Dieu 1. Dinh nghia
1. Trong Dieu le nay, nhang thuOt ngir nam trong ngojc kip duai diiy se duvc hi/u nhtr
sou:
a. "Van dieu If" la yen CIA &roc ch6 se hiru thkrc cAp hoac yen dA duck cac ce clang thkrc
g6p va &roc ghi trong Dieu le ngan hang.
Th7'1* Doank-rigkiep" c6 nghia la Lust Doanh ngh4 se; 60/2005/QH11 Chicyc Qu6c
hei thong qua ngay 29 thing 12 nam 2005 va cac van ban stia dei, be sung, thay the
Luat nay tai timg thai diem.
c. "Luft Cac to char tin dung" co nghia la Luat Cac to chirc tin dung s6 47/2010/QH12
ngay 16/6/2010 va cac van ban stia del, b6 sung, thay the Luat nay tai timg th&i diem.
d. "Ngay thank lop" la ngay Ngan hang duoc cAp GiAy phep thinh lap Ian dAu lien.
e. "Ngtreri quan ngan hang" bao gem Ch6 tich va thanh vien Hei diing quan trj, Tong
giam dec va cac chirc danh quan 15, khac do Dieu le nay quy dinh.
Luu Farah nOi 110 - Didu 1 !MBank 2014 Trang 1/7!
HDBank
Dieu If; Ngiin hOng TMCP Pithl trhin Tp.111, Chi Minh - HDBank
Co... Mat lo. ,ch coo nhlst
f. "Ngithi didu hank ngein hang" bao gem Tong giam d6c, cac PhO TOng giam d6c, Ke wan truong, Giam dec chi nhanh va cac chirc danh tucmg throng theo quy djnh tai
Dieu le dm Ngan hang'.
g. "Ong ty me* c6 nghia IA met cong ty dirgc coi la ding ty me cua cent?, ty khic
("Ceing ty con") neu cong ty do thuec met trong cac truong hop sau day:
Sa hiru tren 50% von dieu le hoac tong se ce phAn phi thong da phat hanh cua
doanh nghiep do;
CO quyen tnrc tiep hoac gian tiep bo nhiem da se hoac tat ca thanh deng
quan tri, Giam dec hoac Tong giam (Vic cua cong ty;
Co quyen quyet dinh viec sira del, be sung dieu le dm ding ty do.
Co quyen trrc tiep hay gian tiep kiem soot viec thong qua Nghj quyet, quyet dinh
cua Dal hei ding cOdong, Hei ding quan tit Flei deng thanh vien cCia cong ty do2.
h. "Nguiri có lien quan3" la to chdc, ca nhan co quan he true tiep hoac gian tiep voi met
to chirc, ca nhan khac neu thuec met trong cac truong hop sau:
(i). Cong ty me vai cong ty con va nguoc lai; Ngan hang vOi cong ty con cua Ngan
hang va nguoc lai; cac cong ty c6 ding cong ty mg vii nhau; cac cong ty con
cua cOng ngfin hang vdri nhau; ngueri quart ly, thanh vien Ban kiem soot cua
cong ty me hoac cua Ngan hang, ca nhan hoac to chirc co than quyen bo
nhiem nhang ngudri nay vii cong ty con va nguoc lai;
(ii). Cong ty hoac ngan hang (lei vii nguai quan 15/, thanh vien Ban kiem soot cua
cong ty Q6 ho4c vii ding ty, to chirc co thAm quyen be nhiem nh0ng nguoi do
va ngugc lai;
(iii). Gong ty hoac Ngan hang, to chirc, ca nhan so' hall tit 5% van dieu le hoac von
ce phAn ca, quyen bleu quyet trey len tai cong ty hoac Ngan hang do va nguoc
lai; (iv). Ca nhan vii Kr, cheng, cha, mg, con, anh, chi, em cua nguai nay;
(v). Cong ty hoac ngin hang voi ca nhan theo quy djnh tai tiet (iv) diem h khoin 1 Dieu nay cua ngueri pan ly,, thanh vien Ban kiem soot, thanh gOp von
hoac ce (tong so hiru Ur 5% von dieu le hoac von ce phAn co quyen bieu quyet
trar len tai cong ty hoac ngan hang Q6 va nguoc 14i';
Ca-rihIA-Quqc-ty-quyen dai- dien cho-16 chuc, ca-nhan-quy-dinh- tai tiet-(i)T-(ii), ---
(iii), (iv) va (v) diem h khoan 1 Dieu nay vdri to chirc, ca nhan uy quyen; cac ca
nhan duoc ity quyen dal dien phAn yen Op dm ding met to chirc vdi nhau.
"Ong ty con cua Ngan ling5" la cong ty thuec met trong cac truong hop sau day:
- Ngan hang hoac Ngan hang va ngudri c6 lien quan cua Ngan hang ser hire tren 50%
von dieu 1e hoac tren 50% vim c6 phAn co quyen bieu quyet cua cong ty con;
Khotin 32 Diu 4 Lust Cac t6 chirc tin dung 2 Khoin 30 LuGt Cic to chirc tin dung 3 Khan 28 D4u 4 Lust Cac trS chirc tin dung. 4 DiEm d khoin 28 Dicta 4 LuSt Cac i4chirc tin dying. ' Khan 301)4u 4 LuSt Cac to chirc tin dung
Lint honh ngi b t9 - Difu 1 HDBank 2014 1iung 2/71
HDBank COT kat 19i Ich coo nhot Dihi tg Ngan hang TMCP Ph& iriEn Tp.lij Chi Minh - HDBank
Ngan hang co quyen trkrc tiep hoac gian tiep bo nhiem da so hoac tat ca thanh vien
Wei &mg quan trj, Hei dong thanh vien hoac Tong giam dec cita cong ty con;
Ngan hang c6 quyen sira dei, be sung Dieu le cita cong ty con;
Ngan hang va ngtthi co lien quan cua Ngan hang trkrc tiep hay gian tiep kiem soat viec thong qua Nghi quyet, quyet djnh cita Dai hei dong co dong, Wei ding quart tit Wei ding thinh vien cua cong ty con .
j. "Cong ty lien kit caa Ngan hang" la cong ty trong do Ngan hang hoac Ngin hang va
ngtrai co lien quan ctla Ngan hang so hihi tren 11% yen dieu le hoac ten 11% yen co
pharc6 quyen bieu quyet, nhung khong phai IA cong ty con cua Ngan hang.
k. "Vi!t Nam" la nuac Ceng hoa Xa hei Chit nghia Viet Nam.
1. "Co phiiu" IA' chimg chi do Ngan hang phat hanh hoac but toan ghi so xac nhan quyen
so huu met hoac met se co phAn cua Nan hang. CO phieu c6 the ghi ten hoac khong ghi ten theo quy dinh ciia Dieu le nay.
m. "Co (tong sang 10" la CO dong tham gia xay di,rng, thong qua va ky ten vao ban Dieu
le dAu tien cua Ngan hang.
n. "Co Ong lern" la co dong so hint true tiep, gian tiep tir 5% yen co phAn c6 quyen Neu
quyet tray len cua Ngan hang.'
o. "Thanh vien d3c lgp caa HQi (Ping quan trf' la thanh vien Hei dong quan trj dam bao
cac tieu chuan, dieu ki'en theo quy dinh tai khoan 4, Dieu 34 cita Dieu le nay.
p. "T4 char lgi Ngan hang" la viec chia, tach, hap nhAt, sap nhap, chuyen dei hinh thirc
phap lY sau khi ducrc NHNN chAp thuan bang van ban.
q. "Ngsrefi dgi din theo ay quidn cues Ngan hang" la nhang ngtroi do H'ei dong quan trj
cua Ngin hang cir theo quy djnh tai Dieu le nay lam dai din va/hoac tham gia dieu
hanh cac Cong ty c6 lien quan ma Ngan hang la chit so huu hoac thanh vien gap von
hoac co dong va bao cao ve viec dieu hanh d6 cho Ngin hang.
r. "Dieu If" hoac "Di'du le nay" la ban Dieu le nay, bao gem ca cac ban Dieu le sira dei va be sung sau nay (neu co).
2. Trong Dieu le nay, cac tham chi'eu tai met hoac met se quy dinh hoac van ban khac se bao
ca nhfing_sira dOi ho4c van ban thay the chting.
3. Cac tieu de (chtrang, dieu dm Dieu le nay) dtrac sir dung nharn thuSn tiOn cho viec hien nei dung va khong inh huemg teri nei dung dm Dieu le nay.
4. Cac tir ho4c thu4t ngu da duac djnh nghia trong Luat Doanh nghiep, Luat Chung khoan,
Luat Cac TO chirc tin dung va cac van ban huang clan cac lust nay neu khong mau than vati chii the hoac ner canh se có nghia tuong t,r trong Dieu le nay.
6 Khan 29 Dieu 4 Lu4t Cac t6 chi= tin dung. 'nob 26 Dieu 4 Lint Cac t6 chin tin dung.
Lau hanh npl bQ - Dieu le !MBank 2014 Trang 3/71
HDBank Corn WIC 101 Ich coo Mot Die'u le Nglin hang TMCP Nat men Tp.liti Chi Minh - MBank
Chuang 2
TEN, DIA CHI VA THAI GIAN HOAT HANG CiJA NGAN HANG
Ditu 2. Ten, dia chi, hinh thic, dpi dqn theo phi!) luiit, chi nhanh, yin phong dpi di?n,
thbi hpn hopt dang va con ditu caa Nein hang
I. Ten nein hang
Ten day dti bang tieng Viet : NGAN HANG THIJONG MAI COPHAN
PHAT TRIEN THANH PHO HO CHI MINH
Ten vi& tit bang tieng Viet : Ngan hang Phat trien Thiuth ph6 HO Chi Mirth
Ten day du bang tieng Anh : Ho Chi Minh City Development Joint Stock
Commercial Bank
Ten viet tit : HDBank
2. Try so chinh thing ky ctia Ngan hang
Dia chi : 25 Bis Nguyen Thi Mirth Khai, Phuing Ben Nghe, Quan 1, Tp. HO Chf Minh
Dien thoai : 084 6291 5916
Fax : 084 6291 5900
E-mail : [email protected]
Website : www.hdbank.com.vn
3. Ngfin hang la Ngin hang thucrng mai c6 phan co to cach phap !than theo quy djnh dia
phip luat Viet Nam.
4. Dai dien theo phap luat cua Ngan hang la TOng giam dOc.
T6ng giarn d'Oc co the fly quyen bang van ban cho nguari khic theo co the uy quyen nOi Ix)
do MI dOng quan trj Ngan hang quy djnh de thirc hien nhiem vu va quyen hart cua minh. Viin ban by quyen phai neu ro pham vi dai dien theo fly quyen, tHri han dal dien. Ngu&i
dpi dien theo quyan chi dugc thigrc high giaodich.trongpharn_y_i, _
5. Cac Chi nhanh, Pheng Giao dich, Diem giao dich, Qu9 tiet kiem cua Ngan hang duqc thanh 14p theo scr cho phep cua NHNN va dtrcic the hien tai GiAy chting nh4n citing k9
doanh nghiep ctia Ngin hang. Ngan hang co the thinh lap Chi nhanh, van phong dai dien, don vi sir nghiep va citc hinh
thtic hien dien thucmg mai khac khi ducic cac co quan co tham quyen va NHNN cho phip
theo quy djnh cua phip 1u4e.
6. Thai han hoat dOng cua Ngan hang la 99 na.m ke tir ngay ducic cap GiAy phep thinh lap va
host ding.
Dieu 30 Lutt Citc to chtic tin dung.
Lsru kink '01 b¢ - HDBank 2011 Tram 1/71
HDBank Coat kit 101 ich coo nhot Disi Ngan hang TMCP Ph& trien Tp.H4 Chi Minh - HDBank
7. Ngan hang có con dau rieng, dtrqc luu gift bao quan va sir dung theo quy djnh ctia Olaf)
14t.
Chtro.ng 3
MVC TIEU CUA NGAN HANG, PHAM VI
VA NQI DUNG HOAT DQNG
Dieu 3. Myc tieu ctia Nem hang
Ngin hang huang den phat trien cung cap cac san pham tai chinh ngan hang da dang, tien ich cho tat ca cac doi tugng khach trong va ngoli wen, thyc hien muc tieu trey thanh Ngan
hang ban le da nang vi có gia tr1 cao ten thi true:mg. This hien cac not dung yeu c.au
chung cita Chinh phir, NHNN trong muc tieu xay dung, van hanh va dim bao he th6ng kinh te, tai chinh tien to qu6c gia larch mph va phat trien ben yang. Ngin hang thuc hien tat ca cac chien ltrac can thiet de phat trien nhanh, ben viing, cO 19i nhuAn cao tren co so can dOi hal him lei ich cita Ngan hang vi cac c6 deing cling nhtr ven xa hei.
Dieu 4. Phgm vi hoe dOng
Ngan hang ducyc tien hanh cac host deng ngan hang, boat dOng kinh doanh khac ghi trong
Giay phep duct NHNN cap cho Ngan hang.9
Dieu 5. N§i dung hoe dOng ctia Ngan hang"
I. Nhan tien gin khong ky han, tien giti cO kY hyn, tien giri tiet kiem va cac loci tien giri
khac.
2. Phat hanh chimg chi tien giri, kY phieu, tin phieu, trai phieu de huy gong von trong nuac
va nuac ngoai.
3. Cap tin dyng der& cac hinh ihtir sau day:
a. Cho vay;
b. Chiet khau, tai chiet khau cong cu chuyen nhu9ng vi giay tb co gia khac;
c. Bao !anti wan hang;
d. Phat hanh the tin dung;
e. Bao thanh town trong fluor; bao thanh toan qu6c to khi duac NHNN cho phep;
f. Cac hinh thirc cap tin dung khac sau khi dtrac NHNN chap thuan.
4. MO tai khoin thanh town cho khach hang.
5. Cung tmg cac phuang tien thanh town.
6. Cung sing cac dich vir thanh loan sau day:
9 Dieu 8, Dieu 90 Lilt CAc td chirc tin dung. TAY Dieu 98 din 107, Dieu 132, Dieu 140 Lust Cac chart tin dung.
DIU hank nPi bQ - Ditu HDBank 2014 Trang 5/71
HDBank Can wdt 171 lc% too nh6t Ngan hang TMCP Pheit triin Tp.Ha Chi Minh - HDBank
a. Thkrc hien dich vu thanh toan trong nurerc bao gOm sec, lenh chi, dy nhiem chi, nher thu, Cry nhiem thu, thu tin dung, the ngfin hang, dich vu thu h6 va chi h6;
b. Thuc hien dich vu thanh toan qu6c te va cac dich vu thanh toan khac sau khi dugc NHNN chap thuan.
7. Vay van cia NHNN
Nein hang ducrc vay von cua NHNN du&i birth thirc tai cap von theo quy dinh cira Luat NHNN Viet Nam.
8. Vay von cue' to char tin dyng, to char tai chinh
Ngan hang ducrc vay von cda to chdc tin dung khac, to chirc tai chinh trong nu&c va nuerc ngorli theo quy dinh cua phap luat.
9. MO' tai khocinil
a. Ngfin hang mei tai khoin tien gui tai NHNN va duy tri teen tai khoan tien gin nay so
du birth clan khong chap ham mix du trd bat buOc. Chi nhanh cda Ngan hang mar tai
khoan tien giri tai Chi nhanh NHNN Tinh, Thanh ph& ncri dal try so cira Chi nhanh.
b. Ngan hang &roc mer tai khoan thanh toan tai to chdc tin dung !chic.
c. Ngan hang ducrc mer tai khoan tien gdi, tai khoan thanh toan a nuerc ngoai theo quy
dinh cua phap lua't ve ngoai hOi.
10. To char viz tham gia cac hf thong thanh loan
a. Ngan hang duac to chirc thanh toan not b8, tham gia he thong thanh toan lien ngan
hang quOc gia.
b. Ngan hang ducrc tham gia he thOng thanh toan quOc te sau khi dugc NHNN chap
thrkin.
11. Tham gia th f trtrizrzg tien
Ngin hang ducrc tham gia dau thau tin phieu Kho bac; mua, ban cong cu chuyen rthucmg, trai phieu Chinh phi', tin phieu Kho bac, tin phieu NHNN va cac giay ter co gia khac tren
thi trutmg tien te.
12—Kinh doanh, cung--ring dich vy ngogi hai va sin phJm phdi sinh
a. Ngfin hang thucrng mai ducic kinh doanh, cung Cmg dich vu cho khach hang trong nuOc va nu& ngoai cac san pham sau day khi duvc NHNN chip thuin bang van ban:
- Ngoai h6i;
- Phai sinh ve tY gia, lai suit, ngoai h6i, lien to va tai san tai chinh
b. Viec cung ring dich vu ngoai hai cda Ngan hang cho khach hang thuc hien theo quy
dinh cua phap luat ve ngoai h6i.
13. Nghiep vtt uy thdc viz dgi ly
II Dieu 101 Lust cac td aim tin clung.
Lwu hank b -0 - D4u HDBank 2014 Trang 6,71
HDBank Co., hit IQs ich coo nh6C Dieu If Ngcin hang TMCP Mit tricin Tp.H :o Chi Minh - HDBank
Nan hang ducrc quyen by thac, ntiSn Uy thic, dai 15, trong linh virc lien quan den hoat
dOng ngan hang, kinh doanh bao hiem, quan ly tai san theo quy djnh cua NHNN.
Duoc by thac va rillSn by thac cho vay theo quy djnh ctia NHNN.
14. Kinh doanh bat deng san
Ngan hang khong duoc kinh doanh bat dOng san, trir cac tnrerng hop sau day:
a. Mua, ctau tu, so hQu bAt dOng san a sir dung lam try so kinh doanh, dja diem lam vi8c hoc co sir kho tang phuc vu trvc tiep cho cac hoat dOng nghi8p vy cita Ngan hang;
b. Cho thue mOt phan try so kinh doanh chua sir dung het, thU6c so hint cua Ngan hang;
c. Nam giir bSt dOng san do vi8c xir ly nq vay. Trong thati hp 03 nam, ke tir ngay quyet
djnh xir ly tai san bao dam là bAt Ong san, Ngan hang phai ban, chuyen nhuong hoc
mua lai bat d8ng san nay de bao dam ty l8 dau tu vao tai san ca djnh va mvc dich sir
dung tai san ca dinh quy djnh phuc vv trvc tiep cho hog dOng khong qua 50% von dieu 18 va quy du trir ba sung van dieu lir dai veri Ngan hang.
15. Cic hoe dOng kinh doanh khsic csia Ngin hang
a. Djch vv quan ly tien met, to van ngan hang, tai chinh; cac dich vy quan ly, bao quart
tai san, cho thu8 sir, ket an toan.
b. Tu van tai chinh doanh nghi8p; tu van mua, ban, hop nhSt, sap rthSp doanh nghi8p va
to van dau tu.
c. Mua ban trai phieu Chinh phu, trai phieu doanh nghi8p; mua, ban trai phieu veri muc dich thu lqi tir vi8c huemg chenh 18ch gia theo quy dinh cua phap luat c6 lien quan va huerng clan cua NHNN; mua trai phieu veri mvc dich dau to theo quy djnh cua phap lust c6 lien quan va huang dln cua NHNN..
X X X Dieu 6. G6p von, mua co phan 12
J. Ngfin hang duqc dung van dieu lg va guy dor trig de gop van, mua ca phAn theo quy djnh
tai cac khoan 2, 3, 4 va 6 Dieu nay va tuan thin cac gieri han de bao dam an town trong hog dOng dAu tu, g6p van theo quy dinh cua phip luSt.
2. Ngan hang phai thanh lAp hoc mua lai cling ty con, cling ty lien ket de thvc hi8n hog dcirig-kitTh—dimilt -satr day:
a. Bao lanh phat hanh chimg khoan, mai gieri chimg khoan; quan ly, phan phai chimg chi
quy dau to chimg khoan; quan ly danh mvc dau tu chimg khoin va mua, ban ca phieu;
b. Cho thue tai chinh;
c. Bio hiem.
3. Ngan hang ducrc thanh lip, mua lai cong ty con, cling ty lien ket hog d8ng trong linh vvc wan 15, tai san bao dam, kieu h6i, kinh doanh ngoai hai, yang, bao thanh town, phat harsh
the tin dvng, tin dung tieu dung, dich vv trung gian thanh town, thong tin tin dung.
12 Dieu 103 LuAt CAc t6 chtic tin clung.
Lam !faith n0l 143 - HDBank 2011 Trent 7171
HDBank Corn klit I0, Id, coo nh<St Dita I Ngtin hang TMCP Phal tries Tp.114 Chi Minh - HDBank
4. Ngan hang dugc gop von, mua c6 phan cua doanh nghiep hoat Ong trong cac linh vtrc
sau day:
a. Bao hiem, chirng khoin, kieu h6i, kinh doanh ngoai h6i, yang, bao thanh town, phat
hanh the tin dung, tin dung tieu dimg, dich vu trong gian thanh town, thOng tin tin
dung;
b. Linh vkrc khac khong quy dinh tai diem a khoan nay.
5. Viec thanh lAp, mua lai cong ty con, cong ty lien ket theo quy djnh tai khoan 2 va khoin 3
Dieu nay va viec gop von, mua c6 phan cira Ngan hang theo quy djnh tai diem b khoan 4
Dieu nay phai dugc su chap thuan tnrOc bang-van ban cua NHNN va tuan thu dieu kien,
thu tuc va trinh to theo quy djnh cua phap lust co lien quan.
6. Ngan hang, ding ty con dm Ngan hang dugc mua, narn c6 phieu cua to chirc tin dung
khac vii (lieu kien va trong gioi han quy dinh cua NHNN.
7. Ngfin hang khong dugc mua c6 phAn, gop von vai cac doanh nghiep khic ma nguari quin
dieu hanh hoc ngueri ser chinh cira doanh nghiep nay la vg hofic ch6ng, b6, me,
con, anh, chi em rut cua thanh vien H6i ding quan trj, Ban kiem soot, Ban Dieu Muth va
Ke toan tnrang cua Ngan hang".
8. Ngfin hang khong dugc g6p von, mua c6 phAn cua cac doanh nghiep, to chirc tin dung
khac la c6 Tong cua Ngan hang".
Dieu 7. Xet duy?t cho vay, kiem tra vii xir ly
I. Ngan hang dugc quyen yeu eau khach hang cung cap tai lieu chimg minh phucrng an sir
dung von kha thi, Icha nang tai chinh cua minh, muc dich sir dung von hap phap, bien
phap bao dam tien vay tnrac khi quyet djnh cap tin dung.
2. Ngan hang phai to chirc xet duyet cap tin dung theo nguyen tac phan dinh trach nhiem
gift khau tham djnh va quyet dinh cap tin dung.
3. Ngan hang co quyen cham dirt viec cap tin dung, thu h6i na tnrac han khi phat hien Ichich
hang cung cap thong tin sai su that, vi pham cac quy djnh trong hap &Ong cap tin dung.
4. Trorg-1 tnrang hop-khitlihing -kh8ng itrdirgc na den han, neu cac ben )(hong co thoa
thuiln khic thi Ngan hang c6 quyen xir 15, ng, tai san bao dam tien vay theo hap dang cap
tin dung, hap ding bao dam va quy dinh cua phap lust. Viec ca eau lai th&i han tra na,
mua ban nq cua Ngan hang thuc hien theo quy dinh ciia NHNN.
5. Trong tnrimg hgp khach hang vay hoac ngikri bao dam khong tra dugc rig do bj pha san,
viec thu h6i na cua Ngan hang dugc thuc hien theo quy djnh cua phap luAt ve pha sin.
6. Ngan hang c6 quyen quyet djnh mien, giam lai suat, phi cho khach hang theo quy dinh n6i
b6 cua Ngan hang.
13 Dial, 8 Nghj djnh 146/2005/ND-CP. 14 Khan 5 Diku 129 LuGt Ctic t6 chin tin dung.
LAM hanh n41 be - Dam HDBank 2014 Trang 1 tr71
HDBank Corn hilt loI Ich coo clhOt Didu If Ngiin hang TMCP Phdi triin Tp.fli; Chi Minh - HDBank
Dieu 8. Bio dim an town
Trong qua trinh hoot dOng, Ngan hang phai tuan tha cac quy djnh ve boo dam an town theo
quy djnh tai Chtrcmg VI dm Luat Cac to chirc tin dung va theo quy djnh cua NHNN; thkrc
hien phin loci tai san "CO" va trich lap du phang rui ro de xtilj , cac rui ro trong hoot dOng
ngan hang theo quy djnh cCia phip luit hien hanh.
Chirong 4
VON DIEU LE VA VON HOAT DQNG
Dieu 9. Von dieu le"
1. VOn dieu le duoc hach town bang d6ng Viet Nam (VND).
2. Ngan hang phai dam boo mix yin dieu le thuc co khong thap hcrn mut von phap djnh theo quy djnh cua phap luat.
3. Vtn drdu le au: Ngfin hang cd thij duvr tang tiu cdc nguan sau:
a. Quy dkr bO sung von dieu le;
b. Quy thong du von c6 phan; lqi nhuan de lai va cac guy khac theo quy djnh cua piaci
luat;
c. Phat harsh c6 phieu ra ding cling, Oat hanh c6 phieu rieng le;
d. Chuyen d6i fir trai phieu chuyen d6i thanh c6 phieu ph6 thong;
e. Vim do chit sor hau, thanh vien gop von cap them;
f. Cac ngutm khac theo quy dinh cua phap luat.
4. Van dib dint set- dyng vita cdc myc dich:
a. Mua, (tau to vao tai san c6 djnh cua Ngan hang khong qua tj, le quy djnh cua NHNN.
b. Thanh lap, tham gia gop Win thanh lap, mua lai Cang ty con, Cong ty lien kit; Op von, mua c6 phan cua doanh nghiep khac theo quy djnh cua pilaf) luat.
c. Cap tin dung cho khach hang.
d. Kiithdoanh c—it-dIth-vkahac theo quy djnh cua phap
Dieu 10. Thay dal Von Dieu le
I. Viec thay d6i vim dieu le cua Ngan hang (tang hoc giam) phai ducrc thtrc hien Wen co so
dtroc Dai h8i ding c6 dong th8ng qua va phai duoc NHNN chap thuan bang van ban truerc !chi thay dOi von dieu le theo quy djnh cua phap luit hien hanh. Van ban chip thu4in viec
thay d6i mi c von dieu le cua Ngan hang co hieu luc trong thoi ban mtrari hai (12) tilling ki
tir ngay ky. Truemg hop viec tang von dieu le chua hoan tat trong th&i hart cho phdp, niu Doi heol dtmg c6 dOng thong qua viec thay d6i phucmg an tang von dieu le da ducyc NHNN chip thuar 1, van ban tren het hie'u Luc phap ly.
If Dieu 29 'TT 40/201 ITTT-NHNN.
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2. Trirth t,r, thti tyc, ho sa xin chap thuan thay doi von dieu le thvc hien theo quy djnh cua
NHNN.
3. Sau khi hoan tat viec thay doi mire von dieu le, Ngan hang c6 van ban bao cao NHNN ve ket qua thvc hien thay dOi mdc von dieu le, dinh kern ban sao GiAy chirng nhAn clang ky doanh nghiep mire von dieu le m&i kern danh sach co dung; Qong tHri girl NHNN chi nhanh tinh, thanh phO not Ngan hang Qat try so hoot dOng toan bO cac van ban nay.
4. WO thing qua.n trj Ngan hang phai chju trach nhiem trtrcc phip luat ve viec tharn dinh hO so, thY tyc, dieu kien de chAp thuan cho co dong gap von theo cac yeu eau quy djnh cua
NHNN va Dieu le dm Ngan hang.
A A Dieu 11. Von host dOng cua Ngin Ming gom cac nguon sau16:
I. Van chd so' hau:
a. VOn (lieu le;
b. Cac khoin chenh lech do &nil gia lai tai san, chenh Lech tjr gia theo quy djnh cua phap
WO;
c. Thing du von c6 phan;
d. Cac quy du tra b6 sung von dieu le, quy dau to Oat trien nghiep vu, quy du phang tai
chinh;
e. Lcri nhuan chug phan phai
f. VOn khac thu6c ser hire hqp phi!) cua Ngin hang.
2. Van huy d5ng:
a. VOn huy dOng tien girl caa cac to chirc va ca nhan;
b. VOn nhki fly thac dau tir;
c. Vay cac to chirc tin dung trong va ngoai mr6c;
d. Vay NHNN;
e. Phat hanh cac giay to c6 gia.
3. Ven khdc then quy djnh cue phdp lufit.-
Dieu 12. Stir dyng von, tai sin"
Ngan hang ducrc quyen chi d6ng thay d6i co cau von, tai san phuc vu cho viec phai trien
host d6ng kinh doanh.
Viec dieu dOng von, tai san n6i b6 cua Ngin hang dirge dive hien theo quy dinh caa Hqi
dOng quan trj.
Dieu 13. Bio dim an Win von"
" Diiu 4 Nghj dinh 57/2012/ND-CP. 17 Diiu 6 Nghi djnh 57/2012/ND-CP. II Dieu 130 Luitt Cac t6 chat tin dung.
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HDBank Coen hit lot d' coo nhot Dieu l~ Agiin hang TMCP Phcit trien Tp.Hi3 Chi Minh - HDBank
I. Ngfin hang phdi duy In cac ty bcio dam an loan sau day:
a. TS, le kha nang chi tra;
b. TS, le an toan van tai thieu theo quy djnh cita NI-INN trong timg then 14;
c. T$' le tai da cUa nguan van ngan han dugc sir dung de cho vay trung han va dai han;
d. Trong thai ngoai te, yang tai da so vai van tu co;
e. TS, le du ng cho vay so vai tang tien giri;
f. Cac tj, le tien giri trung, dai han so vai tang du ng cho vay trung, dai han.
2. Ngfin hang tham gia he thong thanh toan lien ngan hang quoc gia phai nim giu so luting tai thieu giay to c6 gia dugc phep cam ca theo quy djnh cua NHNN trong tirng the:6 kj,.
3. Tang s6 van dm Ngan hang dAu to vao to chtic tin dung khac, cong ty con cia Ngin hang
dual hlnh thuc gop van, mua ca phAn va cac khoan dAu to duai hinh thirc gop van, mua co
phAn nhim nam quyen kiem soat cac doanh nghiep hoot dOng trong linh vuc ngan hang,
bao hiem, chimg khoin phai trir khoi van to c6 khi tinh cac tj, le an toan.
4. Trong truomg hgp Ngan hang IchOng Qat ho .c c6 Icha nang khOng Qat tj, le an toan van t61 thieu theo quy djnh tai diem b khoin 1 Dieu nay, Ngin hang phai bao cao NHNN giai phap, ke hoach khac phuc de bao dam tj, le an toan van tai thieu theo quy djnh.
Chuang 5
CO PHAN, CO PHIEU, CO BONG, CO BONG LON VA CO BONG SANG LAP
Dieu 14. Van dieu le hien hanh, co phAn, ca citing cua Ngin hang
I. Van dieu 1e hien hanh cita Ngan hang la 8.100.000.000.000 VND (Tam ngan mat trim tj, clang).
2. Tang 56 van dieu le ctia Ngan hang dugc chia thanh nhieu ca phAn, mOi ca phAn c6 menh gia IA 10.000 clang (Mtreri ngan clang).
3. fi/rairhing CO the tang vOn-diiiu le khi-dugc Doi hi,u_deing ca &Ong thong qua va dirge NI-1NN chap thuan phit hcrp vai cac quy dinh cua phap luSt.
4. Clic c6 phAn cita Ngan hang la ca phAn ph6 thOng. Cac quyen va nghia vu kern theo co
phAn dugc quy djnh tai Dieu 21 va Dieu 22 dm Dieu le.
S. Ngan hang co the phat hanh cac loci co phAn khac sau khi co su chap thuan caa Dai hqi
d6ng ca dong va phu hgp vai cac quy (firth cua phap lust.
6. Ngan hang c6 the mua c6 phAn do chinh Ngan hang da phat hanh theo nhang each thirc dugc quy djnh trong Dieu le va phap luat hien hanh. Ca phAn ph6 thong do Ngan hang
mua lai la ca phieu qu HOi (tang quan trj co the chao ban theo iththig each thirc phit
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hap v&i quy dinh dm Dieu le va quy dinh phap luat. Viec mua lai cc') phin theo yeu cAu
cua dong hoac theo quyet dinh cua Ngan hang drat thirc hien nhir sau: a. Viec mua lai ce phAn theo yeu eau cua co dong hoac theo quyet djnh cua Ngan hang
thuc hien theo quy djnh tai Dieu 90, Dieu 91 Luat Doanh nghiep va quy djnh cua phap luftt ve chtrng khoan.
b. Dieu kien thanh toan va xir ly cac co phAn ducrc mua lai thuc hien theo quy dinh tai
khoin 2, khoan 3 Dieu 92 Luat Doanh nghiep. Ngin hang chi duce quyen thanh toan • cophAri ducrc mua lai cho co dOng neu ngay sau khi thanh toan het so CO phAn &roc
mua 14i, Ngan hang van bao dam thanh toan dO cac khoan no va nghia vwtai sin khac, bao darn cac tj, le an town trong hoat deng ngan hang, yen dieu le khong &roc thAp han mut von phap djnh va cac dieu kien lien quan khac do NHNN quy dinh. Viec Ngan hang mua 14i co phan cua chinh minh phai &roc NHNN chAp thuan bing van ban tnrac khi thi,rc hien neu dAn den viec giam yen dieu le cua Ngin hang.
7. Ngan hang c6 the phat hanh cac loaf chUng khoan khac khi &roc ca quan chirc nang c6
thim quyen cho phep va Dai hei deng co (tong nhAt tri thong qua bing van ban, phi, hop
yen quy dinh cua phap tat ve chUng khoin va thj tnrang chUng khoan.
8. Ngan hang phai c6 tai thieu 100 co dong (khong ke nha dAu to chimg khoin chuyen nghiep) va khong han the se luting tai da.
Dieu 15. Gi6i hen sa hitt, co phan"
1. Met c6 &mg la ca !than kh8ng duce sa hu vuert qua 5% yen dieu le cua Ngan hang20.
2. M6t c6 dong la to chuc khong duac so tau vuot qua 15% On dieu le dm Ngan hang, trir
cac trutmg hop sau day: 21.
a. NHNN true tiep hoac chi dinh T6 chtic tin dung khac so hau et; phAn cua Ngin hang trong tnrang hop Ngfin hang bi kiem soot dac biet de xir ly Ngin hang gap kh6 khan, bao dam an toan he thong Ngan hang;
b. So hung co phAn cua nha dAu to nuov ngoai quy dinh theo quy dinh cua phap luat.
3. Co dong va nheng ngu6i c6 lien quan cua c6 ding Q6 clinic so hull tai da 20% v6n dieu le cua ngan hang hoac c6 the bi han the nhieu ham trong trutmg hop phap lu4t c6 quy dinh
khac.
4. TS, le so hau quy dinh tai cac khoan 1, 2 va 3 Dieu nay bao gem ca phAn yen uy thic cho to chirc, ca nhan khac mua co phan. Truang hop dac biet, do Thu tuding Chinh phO quyet dinh mire se, haat c6 phAn vuot tj, le quy dinh tai khoan 2, khoan 4 Dieu nay.
5. Trutmg hop cac to chdc, ca nhan nam trai phieu chuyen dei (neu co), khi chuyEn d8i
tab phieu thanh co phieu phai tuan thu gi&i han sty ht u c6 phin tai Dieu nay.
19 Dieu 55 Lult Cac t8 chtic tin dung. " Khoin 1 Dieu 55 Lust Cac tb chilt tin dung 21 Khoin 2 Dieu 55 Lust Cic tS chlic tin dung.
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HDBank Coen Mt poi ich coo Midi Dam 4; Ngan hang TMCP Pk& min Tp.Hii Chi Minh - HDBank
Dieu 16. CO phieu22
I. Co phieu csia Ngiin hang bao gom cdc thong tin chic yea sau: a. Ten, tri se chinh cita Ngan hang;
b. SO va ngay cap Giay phdp thinh lAp va hoat dang;
c. SO Itrcrng co phan va loai ce phan;
d. Menh gia mei ce phAn va tong menh gia so ce phan ghi ten ce phieu;
e. HQ, ten, dja chi thtrerng tru, quec tjch, se Giay chimg mirth phan dan, HO chieu hoc Ching thkrc ca nhan hcrp phap khac cita ce dieing là ca nhan; ten, dja chi thtremg tr5, quec tjch, so quyet djnh thanh lap hoAc se ding kj, kinh doanh cua co dOng la to chirc
dOi yen ce phieu cb ghi ten;
f. Tom tit ve thu ttic chuyen nhtrcmg CO phieu;
g. Chit ky mlu ctia dai dien theo phap luat va diu cua Ngan hang;
h. Se dang ky tai Se dang ky ce &mg va ngay phat hanh co phieu.
2. MOi co &Ong se dtryc Ngan hang cap ce phieu theo tong loai ce phAn de ghi nhan se yen gep. Co phieu cua thanh vien Hei dong quart trj, thinh vien Ban kiem soat, co dong len, c6 d6ng sang lAp va co &mg ntrac ngoai dtrqc phat hanh dual hinh thirc co phieu co ghi ten. Cac CO dong can lai ce the nim gi0 ce phieu co ghi ten hoAc kh6ng ghi ten.
CO phieu kh6ng ghi ten dtrgc phat hanh khi tang von dieu le mei
3. Mei co phieu eltrQc cap phat thong dtrgc ghi titian nhieu loai co phan.
4. Theo cac quy djnh dm Dieu le nay, bat ky ngutri nao c6 ten ghi trong So ding ky ce dOng lien quan den bat ky loai ce phAn nao, se dtrQc cap mien phi met giay Ching nhAn sau khi mua hoc nhan ce phAn chuyen nhucrng trong vong ba mirth (30) ngay (hoAc theri hart Mu hurl theo quy djnh ctia dieu khoan phat hanh hoc cita Hei dong quan trj ve vi4c chuyen
nhtrcmg). Cac co phin do thanh vien Hei dang quart trj, thanh vien Ban kiem soat va citc co &mg Ion sty hCru, co dong sang lap va co dong nuerc ngoai phai ducic dang ky.
5. Trtrtmg hcrp chi chuyen nhugng met so ce phan di ding ky trong met co phieu, ce phieu
Cu se bj huy be va co phieu men ghi ratan so co phAn da chuyen nhtrQng va se CO phAn con lai se dtrvc 43-ritien phi: - --
6. Ngan hang c6 the quart ly ce phieu he ce dong hoAc cap ce phieu theo yeu cau cua co
dOng. Trtremg hqp c6 phieu co ghi ten bj mat, bj chay hoic bj tieu hit), then hint' thirc
khac, ce (tong phai bao ngay va de nghl Ngan hang cap lai ce phieu khac va phai tra phi theo quy djnh cua Ngan hang.
7. Ngu&i nim giir ce phieu kh6ng ghi ten chju trach nhiem duy nhat trong viec quan IY an town ce phieu va Ngan hang se khong chju bat ky trach nhiem nao ve viec mat hoc sir
ding co phieu gian Ian.
8. CO phieu caa Ngan hang kitting duqc dung de cam c6 tai chinh Ngan hang phat hanh CO
12 Dieu 85 Lust Doanh nghiep 2005.
Luv hdnh not b¢ - D4u 1F HDBank 2014 Tran: 13/71
HDBank Com Mt Iv ich coo nhet Dit,f lg Ngan hang TMCP Phat triers Tp.Ho Chi Minh - HDBank
phieu do theo quy dinh cua phap luat.
9. Truerng hop c6 phieu duqc phat hanh dudri hinh thik chimg chi, Ngan hang phai phat hanh c6 phieu cho cac c6 dong trong then han ba mtrcri (30) ngay ke tir ngay co dong thanh toan du c6 phin cam ket mua dii vtiri Ngan hang23.
10. Cac nOi dung lien quan den co phieu thuc hien theo quy dinh tai Dieu 85 Luat Doanh nghiep va Dieu le nay.
X X Dieu 17. Chao bin va chuyen nhtrong co phan 24
CO phin cua c6 (long nim c6 phieu co ghi ten hoac kung ghi ten &roc coi lA da chuyen nhucmg khi cac thong tin quy dinh trong Dieu 20 cua Dieu le nay ducre ghi dAy du trong S6 clang 14 co dong.
2. Cac trtremg hop chuyen nhuong et) phan sau day phai dugc Thing doc NHNN chip thuan bang van ban truic khi chuyen nhuorng:
a. Cac giao dich mua ban at phan cua co dong lern;
b. Cac giao dich mua ban c6 phan dart den co (tong dang la c6 dong lon tra thanh c6 dong binh thuCmg va ngugc lai.
3. Co phan ph6 thong dm co dong &roc quyen chuyen nhuong cho ngueri khac Ichong phai IA co dOng.
4. Viec chuyen nhuorng c6 phieu co ghi ten va !thong ghi ten, &roc thuc hien can cu theo cac quy dinh cua Luat Cac to chtic tin dung va cac quy dinh huarng dan thi birth. Hinh thuc chuyen nhuong &roc xac lap bang van ban do HOi ding quart tri quy (firth cu the. Van ban chuyen nhuong &roc ngueri chuyen nhuong, ngueri nhin chuyen nhuong hay dai dien dtroc uS, quyen hop phap cua nhang ngueri nay ky. CO phieu da ducic chuyen nhuong khi ghi dimg va du nhang thong tin tai diem d khoan 1 Dieu 20 cCia Dieu le nay vao S6 diing kj, c6 &Mg; ke tir thai diem do, ngueri nhin chuyen nhuong co phan ducrc cong nhin la c6 dOng cua Ngan hang.
5. Trinh to this Arc xin thay doi c6 phan cr.) ghi ten dm co dong phai thuc hien theo dung quy dinh cua phap luau _ -
6. Trong true:mg hop mOt co dong bi chet viec giai quyet quyen lqi, trach nhiem cua co dong ducrc thuc hien theo quy dinh cua phap luat ve thira ke.
7. Trong twang hop mgt c6 dong la to chlic bi giai the, pha san, chia tach, hop nhat, sap nhap hoac cac hinh thuc khac theo quy dinh cua phap luat lam chim dint hinh thuc tin tai phap 15, thi quyen lqi, trach nhiem cua c6 dong, to chirc do duqc thuc hien theo quy dinh cua phip luat tuang img.
23 Dieu 58 LuSt Cac t6 chtic tin clung. 24 Dieu 87 Lust Doanh nghiep 2005.
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8. Ngin hang phdi chAp hanh cac quy djnh ve niem yet, phat hanh c6 phieu tai SO giao djch
chting khodn theo quy djnh cua NHNN, quy dinh cua Uy ban chting khoin Nha ntrac, Dieu le dm Ngan hang va cac quy djnh phdp ludt hien hanh c6 lien quan.
9. CO &Ong ca 'than, co dung là t6 chirc c6 nguai dai dien là thanh vien H6i d6ng quan tri,
thinh vien Ban kiem soat, Tong giam dec khong duvc chuyen nhugng c6 phIn du( mlnh
trong thM gian dam nhiem chirc ye.
10. Trong then gian dang xir ly cac hdu qua theo Nghi quyet cua Dai h6i ding c6 thing hodc theo quyet djnh cua NHNN do trach nhiem ca !than, cac thanh vien HOi d6ng gait trj, thanh vien Ban kiem soat, Tong giam dec khong dugc chuyen nhugng ce phAn, trir truong
hqp cac thanh vien nay:
a. LA dai dien theo by quyen cua ce &Ong IA to chtrc bi sap nhdp, hcrp nhdt, chia tach, gidi
the, pha san theo quy dinh phap ludt;
b. Bj bit bu6c chuyen 'fluxing ce phAn theo quyet dinh cua Tea an;
c. Chuyen nhugng c6 phAn cho cac nha dAu to khac rthim thuc hien viec sap nhdp, hpp
nhAt bit bu6c theo quy dinh tai khoin 2 Dieu 149 Ludt cac to chic tin dting.26
11. Viec chuyen nhugng co phAn niem yet dm Ngan hang dupc thuc hien theo cac quy djnh
cua phdp lust ve chimg khodn.
12. Viec chuyen nhugng ce phAn cua co &Ong sang ldp tham gia gap yen thinh ldp Ngan hang
duqc thtrc hien theo quy dinh cua NHNN.
13. Viec chao ban va chuyen nhugng ce phAn thuc hien theo quy djnh tai cac khoan 1, 2, 3, 4,
6 Di114 87 Ludt Doanh nghiOp va Dieu le nay. Viec mua Jai c6 phAn ducrc thuc hien theo
quy djnh tai Dieu 90, 91, 92 Luat Doanh nghlfp.
Dieu 18. Phit Huh trai phieu 27
Ngtm hang c6 quyen phat hanh trai phieu, trdi phi chuyen doi va cac loaf trdi phieu Ididc theo quy dinh cua phap ludt va Dieu le Ngin MIA*
CAU TO CHIIC QUAN IS/
Dieu 19. Ca cliu to chtic quirt Vr2s
I. Ca au to chtic quan ly cua Ngin hang gem cac ca quan:
a. Dai h6i ding c6 (long;
b. HOi ding quart tit
" Kholin 1 Dieu 56 Lust Cac te■ chin tin dung.
26 Khodn 2 Dieu 56 Lutit Cac tb chlic tin dung. Diiu 37 Nghi djnh 59/2009/ND-CP.
21 Kholul 1 Diu 14 Nghi djnh 59/2009/ND-CP.
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c. Ban kiem scat;
d. Ting giam dic;
e. B6 may gitip viec.
2. HOi ding quan trj quy djnh cu the co cau, chtic rang, nhiem vu cua by may quan 15,, dieu hanh phii hop vdri quy djnh cua phap luat va quy mo hoat Ong kinh doanh ctia Ngin hang.
HOi ding quan tri xay di,mg co the fly quyen, phin ding trong nii tx5 Hei ding quan Ban kiem soat, Tong giarn d6c va b6 may gitip viec29.
Chtrang 7
CO BONG VA DAI HQI BONG CO BONG
Dieu 20. SO ding kj, co doug30
--■ 01111
I. Ngan hang lap va ltru giff s6 ding kj, c6 dong tir khi diroc cap Giay chting nhan ding k5,
doanh nghiep. S6 ding 1(5, di dong c6 the la vin ban, tap d& lieu dien to hoc ca hai loai nay.
2. So thing ky co dong phdi coo cdc NW dung chic yEu sau day:
a. Ten, dja chi try so chinh cua Ngfin hang;
b. Ving s6 c6 phan ducfc quyen chao ban, loai c6 phan dtroc quyen chao ban va s6 c6 phAn dtroc quyen chao ban dm timg loai;
c. Ting s6 c6 phan di ban cua timg loai va gia trj von co phan di gip;
d. Ho, ten, dia chi thtrang tni, quOc tjch, so Giay cluing minh nhan dan, HO chieu hoc chirng thuc ca nhan hop phap khac d6i yen co ding IA ca nhan; ten, dja chi thlrang trU,
qu6c tick, so quytt dish thanh lap hoc so ding ky kinh doanh d6i v6i co dong IA to chirc;
e. SO hrcrng c6 phan timg loai cua mOi c6 dong, ngay ding kj, c6 phAn.
3. S6 ding kj c6 Clang duvc luu gia tai try sa chinh cua Ngfin hang hoc Trung tam dang-k ltru ky, bu trir va thanh town chirng khoan. CO dong c6 quyen kiem tra, tra ciru hoc trich
lyc, sao chep niji dung s6 ding kj, c6 ding trong gib lam viec cua Ngan hang hoAc Trung tam ding ky, Itru ky, bu trir va thanh Wan chting khoan.
4. Co ding sa hau tic 5% tong so co phan tra len phai &roc clang ky vii co quan ding 14,
kinh doanh co thim quyen trong thei han bay (7) ngay lam viec, ke tit ngay co duoc tj, le
S?:1 hau do.
5. Xdc IIp danh scich co dong:
a. Ngan hang quy dinh cu the ve thei diem xic lap danh sach cac ce (long dugc hoeing
cac quyen cua co dong va phai dam bao c6 dong co du thai gian de ding 14 nhDng
" Dieu 7 Nghj djnh 59/2009/ND-CP. " Dieu 86 Lu4t Doanh nghiep 2005, Dieu 33 Nghj djnh 59/2009/ND-CP.
Lint hanh ni5i by - Ditu 1f HDBank 2014 Trang 16/71
HDBank Com hat WI 16 coo nhdt Didu Nein hang TMCP Ph& men Tp.11j Chi Minh - MBank
thay ct6i ve ban thin va s6 c6 thing ma minh ser hQu vOi Ngan hang tnrac th6i diem not
tren;
b. Cac giao dich chuyen nhucmg c6 phAn phat sinh trong khoang theri gian tir sau ngay ch6t danh sach c6 Bong den ngay quyen dia c6 dong duqc thuc hien, nguoi chuyen
nhuqng la nguCri duqc huerng cac quyen cua c6 d6ng.
Dieu 21. Quyen ciia CO done
1. Co (Ong phii thong có cdc quykt sau day:
a. Cac quyen theo quy (firth tai DiL 53 Ludt cac To chin tin dung, cv the nhu sau:
Tham du va phat bieu trong cac cu6c hop Dai h6i c6 dong va thuc hien quyen bleu
quyet tivc tiep hoac thong qua dai dien duqc uy quyen; moi c6 phAn ph6 thong c6
mgt phieu bieu quyet;
Duqc nh3n c6 tdc vai mix theo quyet dinh dm Doi h6i dOng c6 dong;
Duqc chuyen nhuqng c6 phIn cho c6 dong kluic ctia Ngan hang hoac to chin, cac
nhan khac hoac ban 1si c6 phAn cho Ngan hang theo quy dish ctia Phdp luat va
Dieu le nay;
Duqc tru tien mua c6 phAn mai chao ban tucrng Ung vai tj, le c6 phAn ph6 th8ng
ctia timg co d6ng trong Ngin hang;
Xem xet, tra ciru va trich Iiic thong tin trong danh sach co King cif) quyen bieu
quyet va yeu cau sda d6i cac thong tin thong chinh xac;
Xem xet, tra dru, trich Ivc hoac sao chvp Dieu le nay, s6 bien ban hop Dai h6i
dOng c6 (long va cac Nglii quyet cua Dai h6i 6ng c6 dong;
Khi Ngan hang giai the hoac pha san, dtroc nh#n mgt phAn tai san con lai trong
Ung v6i s6 c6 phAn gop von vao Ngfin hang;
Duce by quyen bang van ban cho ngtrai khac thierc hien cac quyen va nghia vv cua
minh; ngutri duqc by quyen duqc ity quyen lai bang van ban cho ngtkri khac net!
duqc co dong ding ngutri duqc ity quyen khong duqc tang cu voi to cach vd100!!-,.
chinh minh;
img-cir, de cir-ngueri vao H6i dOng quan tri, Ban kiem so4t theo quy
Dieu re nay.
b. CO (long hoac nhOrn c6 dong sa hiru tren 10% tong s6 c6 phAn ph6 thong trong thtri
han lien tVc it nhAt sau (06) thang co cac quyen theo quy dinh tai khoon 2, khoan 3
Dikt 79 Ludt Doanh nghiep, cv the nhu sau:
De Cu ngutri vao H6i dOng quart tri va Ban kiem sok theo quy dinh phi!) luat;
Xem xet va trich lye so bien ban va cac Nghi quyet cita Hqi dong quan tit bdo cao
tai chinh gift nam va hang nam theo mAu ciia he thOng ke tan Viet Nam va cac
bao cao cita Ban kiem sok;
31 DikU 53 Lult cac to chtic tin dung, Diku 79 Lust Doanh nghip 2005.
btu hank n4i bQ - Ditu 10 HDBank 2014 Trani 17/71
HDBank (one kat 10 1th coo nhdit Dieu Nein hang TMCP Phbt triers Tp.ffii Chi Minh - HDBank
Yeu eau Ban kiem soat kiem tra timg van de cu the lien quan den quart ly, dieu
hanh hoot &Ong cua Ngan hang khi xet thay can thief. Yeu eau phai bang van ban;
phai c6 ho, ten, dia chi thtrerng tra, qu6c tjch, s6 Gay chimg mirth phan din, HO
chieu hoac chirng thuc ca nhan hop phi!, khac doi yen c6 dong la ca phan; ten, dja
chi thuerng trtl, qu6c tich, s6 quyet djnh thanh lap hoac so clang kinh doanh d6i
vOi c6 (long IA to chirc; s6 luting c6 phan va theri diem dang ky c8 phan cua timg
c6 eing, tang s6 c6 phan cua ca nhom c6 Ching va tY le so hdu trong tong s6 co phan cua Ngan hang; van de can kiem tra, muc dich kiem tra;
Trieu tap hop Doi hOi ding c6 dOng trong cac tracing hop sau day:
dOng quan trj vi .phorn nghiern trong quyen cua c6 thing, nghia vu cua nguai quart lY hoac ra quyet djnh vuot qua tham quyen duple giao;
Nhiem ky dm Heti d6ng quan trj (la vtrert qua sau (06) thing ma HOi d6ng quan
trj meri chua &roc bait thay the;
Cac tnrerng hop khac theo quy djnh cua Dieu le nay.
Yeu cau trieu tap hop HQi dong c6 dong phai dupe lap bang van ban va phai c6 hp,
ten, dja chi thtrang 611, so Giay cht:rng minh nhan din, HO chieu hoac cluing thuc
ca nhan hop phap khac doi vai c6 dOng la ca nhan; ten, dja chi thuang tru, quOc
tjch, so quyet dinh thanh lap hoac so dang ky kinh doanh dot vM co Ching is to chile; s6 c6 phan va thai diem clang ky c6 phan cua timg c6 (Jong, tong s6 c6 phan
cua ca nhom c6 (long va tY le ser huu trong tong s6 co phan cua Ngin hang, can dr
va ly do yeu cau trieu tap hop Dai hOi ding co dong. Kern theo yeu eau phai c6 cac
tai lieu, chimg cir ye cac vi pham cua Heti dOng quart trj, mire de vi phom hoac ye
quyet djnh weft qua tharn quyen.
Cac quyen khac theo quy djnh cua Phap luat va Dieu le nay.
c. Viec de dr nguai vao HQi ding quan trj, Ban kiem soat duerc tht,rc hien theo quy djnh
tai khoon 4 Di& 79 Luijt Doanh nghifp nhung danh sach Ung cir vien phai &roc gtri
ten HOi dicing quail trj theo thai hp do HOi ding quan trj quy Clink Cu the:
Cac co (tong pho thong to nguyen tap hop thinh nhom thoa man cac dieu kiln quy
dinh de de cir ngueri vao HOi ding quail trj va Ban kiem soat phai thong bao ve
viec hop nhbm cho cac c6 dong du hop biet chain nhat ngay khi khai mac Dai hOi
ding c6 &Ong;
Can cir s6 lacing thanh vien HOi ding quan trj va Ban kiem soat, co dong hoac
nhOm c6 dOng so }tau tren 10% tong s6 co phin ph6 thong trong thai han lien tuc
it nhat sau (06) thing ducic quyen de dr mOt hoac mOt s6 nguoti theo quyet djnh
ctia Doi hOi ding c6 dong lam ung cir vien Heti dOng quin trj va Ban kiem sok
Truerng hop s6 img cu vien duqc c6 &kg hoac nhom c6 dong de cir thap hcrn so ting cir vien ma ho duot quyen de cir theo quyet djnh cua Dai het d6ng co thing thl
Lsru hank milt b¢ - Ditu 19 HDBank 2014 Trang 18/71
HDBank Coon Mt 10 Icf, coo nhOc DiA4 If Nein hang TMCP Phcit tri .Jn Tp.H' Chi Minh - HDBank
a. Bao cao tai chinh hang neat; plunzmg an phan phai Ivi nhuan;
b. Bao cao dia Hai clang quan trj danh gia thuc tang cong tic quail lY kinh doanh Ngan hang;
c. Bao cao dm Ban kiem soot ve quan lY NI* hang dm Hai clang quan trj, Giam dac hoac Tang giam d'ac;
d. Mdc ca tirc dai v&i mai ca phAn cua tirng loci;
e. Cac van de khac thuac them quyen.
3. If& tieing qua,: tri phdi trieu tgp hpp bat Eluding Dal h*Oi ding car (long trong cdc twang
hpp sau day:
a. Hai Bang quan trj xet thAy can thiet vi 19i ich cua Ngan hang;
b. SO thanh vien Hai (fang quan trj con lai it han sa thanh vien tai thieu theo quy djnh
ciia phap lust, bao gam ca trutmg hcp vi pham ve sa thinh vien d'ac lap, thanh vien khang phai la ngutri dieu hanh cua Ngan hang tai thieu theo quy dinh cua Luat Cac to chirc tin dung
c. SO thanh vien Hai Bang quan trj, Ban kiem scat giam qua mat phAn ba (1/3) tang s6
thanh vien Hai clang quan tri, Ban kiem scat;
d. Theo yeu cAu cua ca clang hoac nhorn ca (long so hQ.0 tren 10% (mirth phAn tram) sa co phan pho thong trong thoi gian lien tuc it nhAt sau (06) thing;
e. Theo yeu cAu dm Ban kiem scat;
f. Theo yeu cAu cua NHNN34;
g. Cac trutyng hop khac theo quy dinh cua phap loot.
4. Hai dang quan trj phai trieu tap h9p Dai hai clang co (long trong than han ba muoi (30) ngay, ke tit ngay sa thanh vial. Hai clang quan trj con lai nhu quy djnh tai diem b hoac When dtrcrc yeu cAu quy djnh tai diem d va diem e khoan 3 Dieu nay.
Tnr&ng hop 114idang quan-trj kh8ng trieu tap hpp Dai hai clang ca. (long nhu quy djnh thi Chu tjch Hai-Spliquan trj phai chju trach nhiEm tnrec phap lust va phai bai thutmg thiet
hai phat sintlfrai Ngin hang.
5. Trutmg hcrp Hai clang quan trj 'thong trieu tap h9p Dai hai clang ca dang theo quy dinh tai khoan 4 Dieu nay thi trong thtri han ba mucri (30) ngay tiep theo, Ban kiem soot thay the Hai Clang quan trj trieu tap h9p Dai hai clang ca dOng theo quy dinh dia Luat Doanh
nghiep va Dieu le nay.
Tnr&ng h9p Ban kiem soot khong trieu tap h9p Dai hai Clang ca thing nhu quy djnh thi Tnitrng Ban kiem soot phai chiu trach nhiem truck phap lust va phai bai thtrtmg thiet hai
phai sinh dai yen Ngin hang.
6. Trutmg h9p Ban kiem soot khang trieu tap hpp Dai hai clang ca dang theo quy djnh tai khoan 5 Dieu nay thi ca (long hoac nhom co thing se hint tren 10% (mtrari phAn tram) so
34 Dieu 60 Luet Cac tb chat tin dung
Lau hank nQi bf)- Ditu 1c HDBank 2014 Trang 20/71
HDBank Corn hilt lo1 Ich coo nhOt Die's' le Ng& hang TMCP Phrit hien Tp.11'd Chi Minh - HDBank
so Cmg cir vien con loi do I-16i clang quan tri, Ban kiem soot va cac co dOng khac de
cir.
2. Co dong tru dai bieu quyet có cac quyen theo quy dinh tai khothn 2 Dieu 81 Ludt Doanh
nghiep.
3. CO (long tru ddi c6 tut CO cac quyen theo quy dinh tai khocin 2 Dib 82 Luat Doanh
nghisp.
Dieu 22. Nghia vy cua et) done'
I. CO (tong cita ngan hang phai thuc hien cac nghia vu sau:
a. Thanh toan dit se co phdn cam ket mua trong thOi han do Ngan hang quy Binh; chiu trach nitiem ve cac khoan nq va nghia vu tai san khac cua Ngan hang trong phom vi se
von dd gOp vao Ngan hang;
b. !Chong dtroc rut von co phAn dA gOp ra khOi Ngan hang dueri moi hinh thirc din den
viec giam von dieu le cita Ngan hang;
c. Chiu trach nhiem tnroc phdp ludt ye tinh h0p phap cita nguen yen gop, mua co plait
toi Ngfin hang;
d. Tuan thin Dieu le va Quy the quan 1)% n6i 1)6 Ngan hang;
e. Chdp hanh nghi quyet, quyet dinh oh Dai heti ding co dOng, Hei dOng quan tri;
f. Thuc hien cac nghia vu khac theo quy dinh dm Ludt Doanh nghiep va Dieu le nay.
g. CO &Ong phe thong phai chiu trach nhiem ca nhan khi nhan danh Ngan hang dutri moi
hlnh thirc de thuc hien hanh vi vi phom phap ludt, tien hanh kinh doanh va cac giao
dich khac de tu lqi hoc phut vu lqi Ich cua to chuc, ca nhan khac.
2. Co dong ntidn by that ddu to cho to chirc, ca nhan khac phai cung cap cho NgAn hang thong tin ye chit so hiru thuc sit ctia s6 co phAn ma rninh nhdn ity thdc ddu tu; nett khong cung cap thong tin cho Ngfin hang, trong trutmg hop Ngan hang phat hien ra chit se:, heru
thuc str, Ngan hang co quyen dinh chi cac quyen co dong lien quan den s6 CO phAn kh6ng ding khai chit ser halt thuc su.
-----3. - fighfa vu-khac theo quy dinh oink phap lust.
Dieu 23. Dai ItSi dong co dong, (him quyen triSti tap hyp Dai hSi ding co done
1. Dai h6i dong co (long hop thutmg nien hoc bat thtrang; it nhAt moi ram hop mOt !An. Dia
diem hop Dai hei dOng co dong phai a tren lAnh the Viet Nam.
2. Doi hei ding co &Ong phai hop thuOng nien trong thbri han ben (04) thing, ke tir ngiy ket
fink nArn tai chinh. Theo de nghi cua HO ding quart tri, co quan clang ky kinh doanh co
the gia han, nhtmg khong qua sau (06) thing, ke tir ngay ket thac nArn tai chinh. Doi hei dOng co d6ng thutmg nien thao luan va thong qua cac van de sau day:
32 Dieu 54 LuSt Cac t8 chirc tin dung 33 Dieu 59 Lust Cac to chirc tin dung.
Lust hank n¢i b¢ - Dliu HDBank 2014 Trang 19/71
HDBank Can Mt log Id, coo nhOt Ngan hang TMCP Ph& men Tp.Ha Chi Minh - 'MBank
co phAn phi th6ng trong thtri gian lien tvc it nhAt sau (06) thing a yeu cau cO quyen thay the HOi ding quan trj, Ban kiem sok trieu tap hop Dai hOi ding co thing theo quy djnh ctia Lthlt Doanh nghiep va Dieu le nay. Trong tnrerng hpp nay, co dong hoac nhom co ding trieu tap hop Dai hqi ding co (long cO the de nghj ccr quan clang ky kinh doanh giarn sat viec trieu tap va tien hanh hop neu xet thy can thiet.
7. Ngutri trieu tap phai 1#p danh sach co &Mg c6 quyen dv hop Dai hOi ding co dong, cung cap thong tin va giai quyet khieu nai lien quan den danh sach co dong, 1#p chtrang trinh va nei dung cuOc hop, chuAn bj tai lieu, xac dinh theri gian va dja diem hop, giri thong bao min hop den tong co (long c6 quyen dor hop theo quy djnh oda Lu#t Doanh nghiep va Dieu le nay.
8. Chi phi cho viec trieu tap va tien hanh hop Dai hei ding co ding theo quy tai cac khoin 4, 5 va 6 cila Dieu nay se (Iwo Ngan hang hoan lai.
Dieu 24. Danh sic!) co ding cd quyen der hyp Dyi h6i ding co ding35
1. Danh sach co (long co quyen du hop Dai hei ding co ding &go 1#p dva tren S'6 ding 14 co (tong cua Ngan hang. Danh sach co ding et) quyen dor hop Dai hOi ding co (tong dtpc lap khi cO quyet djnh trieu tap va phai 1#p xong ch#rn rthAt mutri (10) ngay tnrerc ngay khai mac hop Dai hOi ding CO (long.
2. Danh sach co (long co quyen dv hop Dai hOi ding co dOng phai co ho, ten, ilia chi throng quOc tjch, so GiAy chimg minh rthan dan, HO chieu hoac chirng thvc ca nhan hcrp phap
khac cua co citing la ca nhan; ten, dja chi throng tra, qutic tjch, so quyet dinh tharth 1#p ho4c so ding ky kinh doanh cua co citing la to chirc; so lincmg co phin timg loci, s8 va ngay clang kj, c6 &Ong cua timg co &Ong.
3. CO (long co quyen kiem tra, tra ciru, trich lvc va sao danh sach co dong co quyen dor hop Dai hOi dOng co ding; yeu cau sira doi nhi-mg thong tin sai lech ho#c bO sung nhung thong tin can thiet ye minh trong danh sach co tong co quyen dkr hop Doi htii dog co &Ong.
Dieu 25. Quyen hyn va nhiftn vy ctia Dyi hOi ding do ding
1. Dai h6i ding ci ding giiti tat ca ci dong cO quyen bieu quyet, Ia ccr quan quyet dinh can
nhit cua Ngan hang.
2. CO (long la to chirc co quyen cir mOt ho#c mOt so nguari dai dien theo uj, quyen thvc hien cac guy& co ding ciia mirth theo quy dinh oda phap 101; tnrtmg hcrp có nhieu hcm mOt ngtreyi dai dien theo uy quyen duvc cit thi phai xac dinh cu the so c6 phan va so phieu bAti dui mOi ngtroi dai dien. Viec cir, ottani dirt ho#c thay dei ngtren dai dien theo uy quyen phai dirge thOng bao bang van ban den Ngan hang trong thin han sam nhAt. Th6ng bao phai c6 cac nOi dung chit yeu sau day:
" Ditu 98 Lust Doanh nghiep 2005.
Lira harsh n¢i b¢ - Dlitt HDBank 2014 Trang 21,71
HDBank Cool Wit IcO Id, coo nhtSt Di,u le Ngrin hang TMCP Ph& &Fin Tp.W Chi Minh - HDBank
a. Ten, dia chi thtrang tru, quec tjch, se va ngay quyet djnh thanh lap hoac Clang kj, kinh doanh caa co dong;
b. SO ltrqng ce phan, loai co phkn va ngay dang ky c6 dong tai Ngfin hang;
c. H9, ten, dia chi thu&ng tru, quec tjch, se Giky cluing mink nhan dan, HQ chieu hoc
chimg thuc ca !than hqp phap Ichac cUa nguai dai dien theo uy quyen;
d. Si ce phin duqc uj, quyen dai dien;
e. Thai han dai dien theo u5, quyen;
f. H9, ten, cha ky cua ngtroi dai dien theo uj, quyen va nguoi dai dien theo phap lust cua ; co dong;
g. Ngfin hang phai gin thong bao ve ngutri dai dien theo uj, quyen quy djnh tai khoin nay den ca quan dang ky kinh doanh trong tHri han nam (5) ngay lam viec, ke tir ngly nhan duqc thong bao.
3. Dpi hPi dong co dong cd cdc quyiln va nhiem sau day36:
Thong qua djnh huerng phat trien cda Ngan hang;
Stra dOi, be sung Dieu le dm NI* hang;
Phe chuAn quy djnh ye to chirc va boat dong cua Hei dOng quart trj, Ban kiem soat;
Quyet djnh se 1u9ng thanh vien Wei ding quan trj, Ban kiem sok tong nhiem ky; bku, mien nhiem, bai nhiem, bku be sung, thay the thanh vien Frei dong quan tri, thanh vien Ban kiem soat phi; hcrp vai cac tieu chuan, dieu kien theo quy dinh cua phap lust va
Dieu le ciaa Ngan hang;
Quyet djnh mdc thu lao, thuang va cac lqi ich khac dei yeti thinh vien HOi dong quart
trj, thanh vien Ban kiem soat va ngan sach hog dOng cua Hei dong quail trj, Ban kiem
soat;
Xem xet va )(Cr 15, theo tharn quyen vi pham cua HOi ding quart tri, Ban kiem soat gay
thiet hai cho Ngan hang va ce &Mg cua Ngan hang;
Quyet dinh ca cau to chirc, Ix) may quan ly dieu hanh cua Ngan hang;
ThOng qua phuang an thay del mix von dieu le; thong qua phucmg an chao ban co
phAn, bao gom loaf ce pi& va se luqng ce phin mdri se chao ban;
i. Thong qua viec mua lai c6 phkn da ban;
Thong qua phucmg an phat harsh trai phieu chuyen d6i;
k. Thong qua bao cao tai chinh hang nam; phucmg an phan phei Iqi nhulan sau khi di hoan thanh nefia vu thue va cac nghia vet tai chinh khic cua Ngan hang;
1. Thong qua bao cao cua Hei dong quan tri, Ban kiem soat ve viec thirrc hien rihRm vu,
quyen han duqc giao;
m. Quyet dinh thanh lap cong ty con;
)6 Khan 2 D4u 59 Lust cac t6 chtic tin clung.
a.
b.
c.
d.
c.
f.
g.
h.
Lam hank n41 b?)- Misr HDBank 2011 Trans 22171
HDBank Com kollt Ice kh coo Mat Didu lF Ngan hang TMCP Phat triin Tp.Ha Chi Minh - HDBank
n. Th6ng qua phucmg an g6p von, mua ce phan cua doanh nghiep, to chirc tin dung khac
co gia trj tir 20% troy len so veri yen dieu le cua Ngan hang ghi trong bao cao tai chinh da &roc kiem wan gin nhat;
o. Quyet dinh (tau ter, mua, ban tai san cua Ngan hang co gia tri tir 20% tra len so vii yen dieu le dm Ngan hang ghi trong bao cao tai chinh da &roc kiem town gin nhAt;
p. Chap thuan Hop ding vay, cho vay va hop ding khac co gia trj bang hoc 16mhon
50% tong gia trj tai san dtroc ghi trong bao cao tai chinh gin nhat cua Ngan hang;
q. Thong qua cac hop (fang co gia trj tren 20% van dieu le ctia Ngan hang ghi trong bao
cao tai chinh da (tax kiem town gin nhat giira Ngan hang vii thinh vien Hai ding quan trj, thanh vien Ban kiem soat, TOng giam dOc, ce thing Ian, ngutri c6 aien quan cua ngutri quan ly , thanh vien Ban kiem soar, c6 clang Ian cua Ngan hang; tong ty
con, ding ty lien ket cua Ngan hang;
r. Quyet djnh viec chia, tach, hop nhat, sap nhap, chuyen dei hinh thirc phap 1y, Oh the
hoc yeu cAu T6a an ma thu tuc phi san Ngan hang;
s. Quyet djnh giai phap !chic phut bien Clang lam ve tai chinh cua Ngan hang
4. CO (long khong ducic tham gia bo phieu trong cac truang hop sau day:
a. Cac hop dong quy djnh tai diem q khoan 3 Dieu nay khi ce citing do ho4c nguiri c6 lien quan den ce (long Q6 la mat ben dm hop deng;
b. Viec mua ce phan cua co (long do ho4c cua ngtroi co lien quan tai ca. &Ong do.
5. Doi hai dOng ce &Ong thuang nien thao luan va thong qua tai thieu cac van de quy djnh tai
diem k va diem 1 khoan 3 Dieu nay va cac van de khac thuac tham quyen theo quy djnh tai
Dieu le nay.
Dieu 26. Quyen di" hop Doi h§i ding co (long
1. CO (long IA ca nhan, ngutri doi dien theo uy quyen cua co (tong la to chirc true tiep hoc
quyen bang van ban cho mat nguari khac dor hop Doi hai dOng ce (tong. Trutmg hop co
dong la to chirc kh6ng co ngutri dai dien theo uy quyen theo quy djnh tai khoan 3 Dieu 96
cua Lu§t Doanh nghiep thi uj, quyen ngutri khac du hop Doi hai dOng co (long.
2. VWCry quyin-60 nguari dai diFn thr-hetp-mei- 114i -41. tig co dong_phai 14p thAnh_Allbia______ theo mlu cua Ngan hang va phai co chakj, theo quy Qinh sau day:
a. True:mg hop co dong la ca nhan la ngutri uj, quyen thi phai co chit kj, cua c6 (long Q6
va ngtrai &roc uy quyen dkr hop;
b. Truang hop ngtrari dai dien theo uS, quyen cua co dong la to chile la ngutri uj, guy& thi phai c6 chir ky cua ngtrai dai dien theo uy quyen, nguai dai dien theo phap lu§t cua
ce dong va ngutri ducrc uy quyen der hop;
c. Trong truing hop khac thi phai co chic 14 dm ngutri dai dien theo phap luat cua c6 dong va nguari ducfc uS, quyen du hop;
Lint ?girth mill 64 - Dliti lc HDBank 2014 Trani 23/71
HDBank Coto hat 140 Ich coo nhOt Di'du Ngiin hang TMCP Phat friin Tp.Ifj Chi Minh - HDBank
d. Nguoi dtrot uy quyen du hop Dai hei ding c6 &Ong phai nOp van ban uy quyen tilt& khi vao phong hop.
3. Trir trterng hop quy dinh tai khoan 4 Dieu nay, phieu Neu quyet cua ngtreri &roc uy quyen
du hop trong pham vi dugc uy quyen vAn c6 hieu luc khi c6 met trong cat tnrang hop sau day:
a. Ngtzeri uy quyen da chet, bi han the nang luc hanh vi dan su hoac bi mat nang luc hanh vi dan su;
b. Ngu&i uy quyen da chArn dirt viec uy quyen.
4. Quy dinh tai khoan 2 Dieu nay Ichong ap dung neu Ngan hang nhan &roc thong bao bang vAn ban ve mgt trong cac truang hop quy dinh tai khoin 3 Dieu nay cham nhAt hai muoi to gib/ truck gia khai mac cuec hop dm Dai hOi ding co ding.
5. Twang hop c6 phAn &roc chuyen nhuong trong thOri gian tir ngay lap xong dank sach c6 &Ong den ngay khai mac hop Dai hei thing c6 ding thi ngutri nhan chuyen nhuqng c6
quyen du hop Dai hOi ding c6 ding thay the cho nguoi chuyen nhtrong d6i vOi se c6 phAn da chuyen nhucmg.
X A X A Dieu 27. Thong qua quyet dinh cua Doi hoi dung co ding
1. Doi hei ding c6 &ling thong qua cac quyet dinh thuOc thAm quyen bang hinh thirc bieu
quyet tai cuec hop hoac lAy y kien bang van ban.
1. Cac quyet dinh ducrc thong qua tai cuec hop Dai hqi ding co &mg vii s6 c6 ding truc tiep va uy quyen tham du dai dien 100% tong so co phAn co quyen bieu quyet la hqp phip va co hieu luc ngay ca khi trinh to va thu tic trieu tap, nei dung chucmg trinh hop va the thik tien hanh hop khOng diroc thkrc hien diing nhir quy dinh 37.
3. Quyet dinh cua Doi h6i ding co ding phai &roc thong bao den c6 dung c6 quyen du hop Dai hOi ding c6 ding trong thin han mien lam (15) ngay, ke tir ngay quyet dinh ductc th8ng qua.
4. Quyet dinh cua Dai hei ding c6 ding ve cac vAn 6 quy dinh tai cac diem a, d, f va r khoan 3 Dieu 25 Dieu le nay phai ducic thong qua bang hinh thirc bieu quyet 41 cuec hop Dai h8i ding c6 ding. .
5. Quyet dinh cua Dai hOi ding co &mg duqc thong qua tai cuec hop khi bao dam cac dieu kien sau day38:
a. Trir truing hop quy dinh tai diem b khoan nay, quyet dinh cua Dai hOi ding c6 dong &roc thong qua 4i cuec hop khi &roc s6 c'6 ding dai dien tren 51% tong s6 phieu bieu quyet cua tat ca co dung du hop chAp thuan.
37 }Chain 4 Dieu 104 Lust Doanh nghiep 2005. Khoin 3 Diiu 59 Lu3t cac tb dim tin clung
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HDBank Corn 1.111 Ip..dc coo nhdt Dieu l~ Ngiin hang TMCP Phdt hien Tp.11,1 Chi Minh - HDBank
b. Dai veci quyet djnh ve cac van de quy djnh tai cac diem b, h, o va r Ic.hoin 3 Dieu 25 Dieu le nay thi phai dtrqc so ea (long dai dien tren 65% tang s6 phieu bieu quyit ctia tat ca cc; (long du hop chAp thuan.
6. Viec bieu quyet bA.0 thanh vien Hai clang quan trj va Ban kiem soot phai thuc hien theo phucmg thtic bAu don phieu, theo do rnOi c6 clang CO tang so phieu bieu quyet Wang ling yen tang so ca phAn so tau nhan veri so thanh vien duqc bAu ctia Hai dong quan trj hoac Ban kiem soot va co dong co quyen clan het tang so phieu bAu cCia minh cho mit ho4c mat so trng cir
7. Thim quyen va the that lAy y kien ca clang bang van ban de thong qua quyet djnh cua Dai hQi ding co dOng thuc hien theo quy dinh tai Dieu 30 Dieu re nay. Truimg hqp thong qua quyet dinh duai, hinh thirc lAy y kien bang van ban thi quyet djnh cua Dai hai clang ca dong duct thong qua neu ducrc so CO Ring dai dien it nhAt 75% tong so phieu bieu quyet chAp thuan.
Dieu 28. Chuang trinh vi nOi dung hqp, mtri hQp Doi 14i dong el dong"
1. Chuang trinh va ncii dung hQp Dgi hQi clang ca clang:
a. Ngtrii trieu tap hop Dai hai ding co dOng phai lap danh sach ca thing co quyen du hop va bleu quyet; chuAn bj chucmg trinh, nai dung, tai lieu cu6c hQp va du thao Nghj quyet dai vai fling van de trong chtscmg trinh hop; xac dinh thCri gian, dja diem hop va giri thong boo mai hop den cac ea d6ng co quyen du hop.
b. CO (long hoac nhom c6 (long so hint tren 10% (mutri phAn tram) so ca phAn pha th6ng trong theri gian lien tuc it nhAt sau (06) thong cc') quyen kien nghj yin de dtra vao chtrcmg trinh hop Dai h6i clang ca dong. Kien nghj phai bang van ban va duqc gin din Ngan hang charn nhAt ba (3) ngay truOc ngay khai mac. Kien nghj phai ghi n3 ten c6 thing, so Itrcmg tirng loai ca phAn caa ca dong, so vi ngay dong ky ca dOng Lai Nein hang, van de kien nghj dtra vao chucmg trinh hop.
c. Ngteri trieu tap hop Dai hii ding ca (long chi co quyen tir chi kien nghj quy djnh tai diem b khoan nay neu co mit trong cac truing hop sau day:
Kien nghj duqc gin den khong dung thbi han hoac khong dti, khOng dong nai dung;
Vandes kien nghj khong thuac thorn quyen quyet dinh cua Dai hOi dOng co dong;
Truing hop khac theo quy (firth dm Dieu re nay.
d. Ngutri trieu tap hop Dai hai dong ca dong phai chAp ratan va duo kien nghj quy (firth tai diem b khoan nay vao du kien chtrong trinh va nai dung cuac hop, trir truing hqp quy dinh tai diem c khoan nay; kien nghi dtrot chinh thdc ba sung vao chtrang trinh vi nai dung cuac hop neu duqc Dai hii dong co dong chAp thuan.
2. Miri hQp Dpi hQi dong co dong":
1° Dieu 99 LuSt Doanh nghiep 2005. 4° Dieu 100 Lust Doanh nghiep 2005.
Lind lank n(51 64 - Da. HDBank 2014 Trani 25171
HDBank Corn Md t log I ch coo nA6t Dilu le Ngiin hang TMCP Phat triin Tp.lio Chi Minh - HDBank
a. Nguei trieu tap hop Dai hOi ding co dung phai gui thong bao mai hop den tat ca co dung c6 quyen du hop cham nhat mtrai lam (15) ngay tru&c ngay khai mac. Thong bao dugc girl bang phucrng thirc bao dam den dugc dia chi thuang tit cua ca ding.
Thong bao mai hop phai co ten, dja chi tru sa chinh, so va ngay cap Giay chting nhan (tang ky doanh nghiep, ncri Clang ky kinh doanh cua cong ty; ten, dja chi thuang tra cua c8 &Ong hoac nguoi dai dien theo u5, quyen cua co Clang; thai gian va dia diem hop.
b. Kern theo thong bao mai hop phai c6 mau chi djnh dai dien theo 115, quyen du hpp, chtrcmg trinh hop, phieu bleu quyet, cac tai lieu thao Juan lam co ser thong qua quyet dinh va du thao Nghj quyet dOi vii timg van de trong chtrong trinh hop.
_ . Neu Ngan hang c6 trang thong tin dien tir thi thong bao mai hop va cac tai lieu gin kern theo phai dugc cong bO tren trang thong tin dien tir dO ding thai vii viec giri thong bao cho cac co (long.
Dieu 29. Dieu 14n tien Minh hop, the thfrc tien hanh hop vi bieu quyet, hien ban hop Dgi hOi ding el clang
1. Dieu kien tian hanh hpp Dgi hQi clang ca (tong:
a. CuOc hop Dai hOi ding CO don dugc tien hanh khi co SO CO (long du hop dai dien it nhat 65% tang so co phan c6 quyen bieu quyet.
b. Twang hop cuOc hop lin thin nhat khong du dieu kien tien handl theo quy djnh tai diem a khoin nay thi dugc trieu tap hop lin thir hai trong then han ba nuroi (30) ngay, ke tir ngay du dinh hop lan thin nhat. CuOc hop dm Dai hoi ding co (long trieu tap lin thin hai dugc tien hanh khi c6 so co ding du hop dai dien it nhat 51% tong s6 CO phan co quyen bieu quyet.
c. Tnrong hgp cuOc hop trieu tap an thti hai khOng du dieu kien tien hanh theo quy dinh tai diem b khoan nay thi dugc trieu tap hop lin thir ba trong th?ri han hai mini (20) ngay, ke lir ngay du dinh hop Ian thin hai. Trong tnrimg hop nay, cuOc hop dm Dai hOi ding CO dung dugc tien hanh khong phi thu'Oc vao so CO ?tong du hop va ty le s8 co 'lan c6 quyen bieu quyet cua cac co (long du hop.
d. Chi c6 Dai hOi ding co (long mai c6 quyen thay dOi chucmg trinh hop da dugc giri kern theo thong NW mai hop theo quy dinh tai khan 2, Dieu 28 dm Dieu to nay.
2. The fink tian hanh hpp va bieu quyit tgi Dgi hefi clang co dong 41 :
a. Truac ngay khai mac cuOc hop, phai tien hanh dang ky viec du hop Dai hpi (Icing di' ding cho den khi bao dam viec dang ky day dii cac c6 ding c6 quyen du hop. Nguai ding 14 du hop se dugc cap the bieu quyet tucmg Ong vii so van de can bieu quyet trong chtrcrng trinh hop;
b. Chit toa, thu ky va ban kiem phieu cua cuOc hop Dai hOi clang co tong dugc quy djnh nhu sau:
4t Mali 103 Lust Doanh nghip 2005.
Lint hank 41 b¢ - Dibr 1c HDBank 2014 Trang 26/71
HDBank Com h1 ks ich too Abót Di'du Ngiin hang TMCP Phat triEn Tp.Hii Chi Minh - HDBank
Chit tjch Hei deng quan trj lam chit toa cac cuec hap do Hei dong quan trj trieu tap; tnramg hop Chit tjch yang mat hoac tam thtri mat kha nang lam vic thi cac thanh vien con lai bau met ngtrai trong so h9 lam chi, toa cuec hop; tnrang hap kh8ng c6 ngtreri c6 the lam chit toa thi thanh vien Hei dong quan trj c6 chirc vu cao nhat dieu khien de Dai hei ding co dong bAu chit toa cuec hap trong so nhung
ngtrai du hap va nguari c6 so phieu bAu cao nhit lam chit toa cuec hap;
Trong cac tnrtmg hop khac, ngtreti 14 ten trieu tap hop Dai hei dong co dong dieu
khien de Dai hei ding ce dong bAu chit toa cuec hap va ngtrai c6 so phieu bAu cao nhAt lam chit toa cuec hop;
Chu toa cir met nguai lam thu kj, lap bien ban hap Dai hei dong et) dOng;
Dai hei dong ce (long bAu ban kiem phieu khong qua ba ngueri theo de nghj cua
chit to? cuec hop;
c. Chuang trinh va nei dung hap phai duos Dai hei ding co dong thong qua ngay trong
phien khai mac. Chuang trinh phai xac dinh re va chi tier thari gian doi vai tirng van de trong nei dung chtrong trinh hop;
d. Chit toa va thu 14 hap Dai hei dong co dong c6 quyen thuc hien cac bien phip can thiet de dieu khien cuec hap met cach hap 15,, c6 tat tu, dung theo chuong trinh da duct thong qua va phan anh duqc mong muen cua da so ngtrbi du hop;
e. Dai hei thing co &mg thao luan va bieu quyet theo timg van de trong nei dung chtrang
trinh. Viec bieu quyet dtroc tien hanh bang cach thu the bieu quyet tan thinh Nghj quyet, sau do thu the bieu quyet khong tan thanh, cuei cimg kiem phieu tap hap se phieu bieu quyet tan thanh, khong tan thanh, kh6ng coy kien. Ket qua kiem phieu Quay chit toa cong bo ngay truck khi be mac cuec h9p;
f. Ce dong hoac nguoi dirge uj, quyen du hap den sau khi cuec hap da khai mac dtmc
dling ky va c6 quyen tham gia bleu quyet ngay sau khi clang ky. Chu too khong ductc dimg cuec hap de nhang nguOi den muen clang kj; trong tnrang hap nay, hieu lux cita nhOng bieu quyet da tien hanh khong b; anh huang;
g. Ngueri trieu tap hop Dai hei ding co dong ca quyen:
- Yeu cat tAt ca nguai du hap chju su kiem tra hoac cac bien phap an ninh khac;
dm co quan c6 tam quyen duy tri trot tier cuec hop; troc xuAt nhung ngithi khong tuan thu quyen dieu hanh cua chi" too, coy gay rei tat tu, ngan can tien trien binh thuang cua cuec hap hoac khong tub thin cac yeu cat v'e kiem tra an ninh ra khoi cuec hap Dai hal dong co dong;
h. Chit toa co quyen hoan cuec hap Dai hei dong co Qong da c6 dit so nguai dang kj, du hop theo quy djnh den met thei diem khac hoac thay dei dja diem hap trong tru&ng cac truong hop sau day:
Dia diem hop khong c6 Qu cho ngtoi thOn tien cho tAt ca ngtren du h9p;
Co ngtrai du hap co hanh vi can trey, gay rOi trot tu, c6 nguy ca lam cho cuec hap khOng dtrac tien hanh met cach cong bang va hap phap. Thai gian Man tei da khong qua ba (3) ngay, ke tit ngay cuec hap du dinh khai mac;
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i. Truirng hop chit toa hoar' hoac tom dirng hop Dai h6i dOng c6 (long trai veri quy djnh tai diem h khoan nay, Dai h6i dOng c6 dOng bAu mit ngutri khac trong s6 nhQng ngtrtri
du hop de thay the chi' toa dieu hanh cu6c hop cho den I6c ket th6c va hien luc cac bieu quyet tai cu6c hop do khong bj anh huong.
3. Bien bcin hpp Dpi hQi db2ng co done:
a. Cu6c hop Dai h6i dOng c6 dong phai ducrc ghi vac) so bien ban cila Ngfin hang. Bien ban phai lap bang tieng Viet, c6 the ca bang tieng ntrerc ngoai va phai co cac n'6i dung chi yeu sau day:
Ten, dia chi tru sex chinh, s6 va ngay cap GiAy chimg nhan dang ky doanh nghiep,
ncri clang ky kinh doanh;
Thai gian va dia diem hop Dai h6i d6ng co ling;
Chumg trinh va n6i dung cu6c hop;
Chu toa va thu ky;
Tom tit dien bien cu6c hop va cac y kien phat bieu tai Doi hOi dOng c6 &Ong ve
tong van de trong n6i dung chucmg trinh hop;
Si co tieing va tong s6 phieu bleu quyet ctia cac co thing du hop, phi lye danh sach dang ky co dong, dai dien co tong du hop vOi so c6 phIn va so phieu bAu tuong
Wig; T6ng s6 phieu bieu guy& dOi vai timg van de bleu quyet, trong do ghi ro tong s6 phieu tan thanh, khong tan thanh va 'thong coy kien; ty le tucrng intg tren tong so phieu bieu quyet cua c6 (long du hop;
Cac quyet dinh dA ducrc thong qua;
HQ, ten, 60. 14 dm chit toa va thu Bien ban ducrc lap bang tieng Viet va tieng nuorc ngoai deu cc!' hieu luc Oar, ly nhu
nhau.
b. Bien ban hop Dai h6i dOng co dOng phai lam xong va thong qua truck khi be mac cu6c
hop.
c. Chit toa va thu ky cu6c hop phai lien doi chiu trach nhiem ve tinh trung thuc, chinh
A L-cfra-nOi-clung-bierr ban.
d. Bien ban hop WI h6i dOng c6 (long phai ducrc giri den tat ca co d6ng trong thai han
mutri lam (15) ngay, ke tir ngay be mac cups hop.
e. Bien ban hop Dai h6i dong c6 &kg, phi lye danh sach c6 (long dang ky du hop, toan
van Nghj quyet da ducrc thong qua va tai liC • c6 lien quan gin kern theo thOng bao mtri hop phai &rot luu git tai tru sor chinh ctia Ngan hang.
Dieu 30. Thim quyen vi the thin Illy y kien cif) (long bing van ban de thong qua quyet
djnh cua D i hOi ding co dOng43
42 Diku 106 Lu$t Doanh nghiep 2005. 4'1 Dieu 105 Ludt Doanh nghiep.
Liru lank 41 b4 - HDBank 2014 Trang 28111
HDBank Com kilt ICA Ich coo nhe Drdu 1g Ngan hang TMCP Phcit hien Tp.lij Chi Minh - HDBank
1. H6i ding quart trj c6 quyen lay y kien c6 (tong bing van ban de th6ng qua quyet djnh cua
Dai h6i ding c6 (long bat dr It c nao neu xet thay can thiet vi lqi ich cua Ngin hang;
2. H6i ding quan trj phai chuan bi phieu lay j, kien, dkr thao quyet djnh cua Dai h6i ding cS ding va cac tai lieu giai trinh dy thao quyet djnh. Phieu lay y kien kern theo e" thao quyet
djnh va tai lieu giai trinh phai dtrgc gin bang phuung thirc bao darn den duqc dja chi thuang tru cua tong co (long.
3. Phiiu I y )1 kiln phdi c6 cac qi dung chti ylu sau day:
a. Ten, dja chi try sir chinh, s6 va ngay cap Giay chang nhan clang kj, doanh nghiep, nal
Clang ky kinh doanh cua Ngan hang;
b. Mvc dich lay y kien;
c. H9, ten, dja chi thuerng tru, qutic tjch, s6 Giay chUng minh nhan dan, H6 chieu hoac chirng thvc ca nhan hqp phap khac cua c6 clang IA ca nhan; ten, dja chi thtrang trti, quOc tjch, s6 quyet djnh thanh lap hoac so clang kj, kinh doanh cua co eking hoac dai
dien theo uj, quyen cua c6 ding la,t6 chic; so lucmg co phan cua tong loci va s6 phieu
bieu quyet cua CO ding;
d. Van de can lay y kien de thong qua quyet djnh;
e. Phucmg an bieu quyet bao gim tan thanh, kh8ng tan thanh va kitting coy kien;
f. Thai hart phai giri ye Ngan hang phieu lAy y kien da duce tra len;
g. H9, ten, chU ky cua ChU tjch H6i ding quail trj va ngutri dai dien theo phap luat cua Ngfin hang;
4. Phieu lay y kien da dugc tra lbi phai c6 chit kj, cua c6 Clang la ca nhan, cua ngueri dai dien theo uy quyen hoac ngueri dai dien theo phap luat cua e6 (long la to chirc.
Phieu My y kien girl ve Ngan hang phai duqc dkmg trong phong bl dan kin va khang ai duqc quyen ma truerc khi kiem phieu. Cac phieu lay 5 kien giri ve Ngan hang sau th&i hart dA xtic djnh tai n6i dung phieu My j kien hoac dd bj mer deu kh8ng hqp
5. H6i ding quan trj kiem phieu va lap bien ban kiem phieu dutri sv chting kien cua Ban kiem soot hoac cua c6 clang khong nam gid chic vv quan 15 Ngan hang. Bien bin kiem phieu phai c6 cac n6i dung chi yeu sau day:
a. Ten, dja chi try sa chinh, s6 va ngay cap Giay ching nhan clang ky doanh nghiep, not
Bang kj, kinh doanh;
b. Mvc dich va cac vAn de can My j, kien de thong qua quyet djnh;
c. S6 c6 (long vtri tong s6 phieu bieu quyet da tham gia bieu quyet, trong do phan biet s6 phieu bleu quyet hqp le va s6 bleu quyet khOng hqp le, kern theo phv lye danh sach c6
(long tham gia bieu quyet;
d. T6ng s6 phieu tan thanh, khong tan thanh va khong c6 5, kien d6i vOi tong van de;
e. Cac quyet djnh da dirge thong qua;
f. H9, ten, chi ky cua Chu tjch Hai ding quan trj, ngtrai dai dien theo phap luat cua Ngan hang va cua ngutri giarn sat kiem phieu.
Liar hank 1411,13 - Dan HDBank 2014 Trang 29/71
HDBank COT MIt b. ich coo rthlIc Di"du le Ngtin hang TMCP Phcit triAn Tp.Jhi Chi Minh - MBank
Cac thinh vien HOi (Ring quan tri va nguari Om sat kiem phieu phai lien dari chju trach nhiem ve tinh trung thuc, chinh xic cua bien ban kiem phieu; lien dari chiu trach nhiem ve cac thiet hai phat sinh tir cac quyet dinh (lucre thong qua do kiem phieu kh6ng trung thkrc, 'dieing chiral xac;
6. Bien ban ket qua kiem phieu phai duric gin den cac co &Ong trong thari han muari lam (15) ngay, ke tir ngay ket fink kiem phieu;
7. Phieu lAy y kien da duarc tra lai, bien ban kiem phieu, toan van Nghi quyet da dtruc thong qua va tai ligu c6 lien quan giri kern theo phieu lAy y kien deu phai ducyc ltru tai tru say chlnh aim Ng'an hang;
8. Quyet dinh ducrc thong qua theo hinh thdc lAy y kien co &rig bang van ban co gia trj nhu
quyet dinh dug/a thong qua tai cuec hop Dai hei dong co &Mg.
Dieu 31. Hi?ti Ikrc quyet djnh can Dai hi)i ding co (long
Cac quyet dinh cua Dai hei dong co along c6 hieu luc thi hanh ke tir ngay duoc thong qua hoAc tir ngay c6 hieu luc &roc ghi re trong quyet dinh do".
Trong yang mtrari lam (15) ngay, ke tir ngay be mac cuec hop hoAc tir ngay ket thtic kiem phieu dOi vai tnrang hop lAy y kien b&ng van ban, tat ca cac quyet dinh duoc Dai hei thing co dong thong qua phai duqc girl den NHNN chi nhanh tinh, thanh phO nai Ngfin hang Qat trl sar chinh45.
Dieu 32. Huy bó clic quyet djnh din D?i hqi dong co thing"
Trong than han chin muai (90) ngay, ke tir ngay nhan ducc bien ban hop Dai hei ding co dong hoAc bien ban ket qua kiem phieu lAy y kien Dai hei Ching co dong, co dong, thinh vien Hei dong quan tri, TOng giam dOc, Ban kiem stoat c6 quyen yeu eau Toa an hoac Trong tai xem xet, huj, bo quyet dinh cua Dai hOi dOng co dong trong cac tnr&ng hap sau day:
I. Trinh to va chit tic trieu tap hop Dai hei dOng co &Ong khong thuc hien dung theo quy djnh cua Luat Doanh nghiep va Dieu lg nay;
--t.— -Trintrtir, -thttgc ra quyet dinh va n8i dung-quyet dinh vi-pham phap teat huac Dieu to nay.
Chuang 8
DIEU KHOAN CHUNG VE HQI DONG QUAN TRJ, BAN KIEM SOAT, TONG GIAM DOC VA MOT SO CHUt DANH KHAC
Dian 33. NhiOn vµ chung
"IKboan 1 Dieu 27 Nghl dinh 102/2010/N0-CP. °Dieu 61 Lust Cac t6 chtic tin dung. " Dieu 107 Lust Doanh nghiep 2005.
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HDBank Com kilt 10+ ict ■ coo nhOt Ngan hang TMCP Phrit men Tp.11ei Chi Minh - MBank
1. HC:)i ding quan tri la co quan quan trj Ngan hang, c8 toan quyen nhan danh Ngan hang de quyet dinh, thkrc hi8n cac quyen, nghia vp ctia Ngan hang, trir nhQng vin de thu6c thirn quyen dia Doi h6i diing c6
2. Ban kiem soat la co quan giam sat vi8c tuan thti cac quy djnh cua phap luat va Dieu 18 dia Ngan hang trong vi8c quan trj, dieu hanh Ngan hang; chili trach rihi8m truorc Doi h8i ding co dung trong vi8c thkrc hi8n rihi8m vv, quyen han duor giao".
3. HOi delig quan trj bo rihi8m mit trong so cac thanh vien cua minh lam T6ng giam dOc ho*c thue T6ng giam dic. Tting giam d6c la nguiri dieu hanh cao nhit cua Ngfin hang, chju trach rthi8m truck H6i ding quark trj va truck phap luat ve viec thkrc hi8n quyen, nghia vv cUa minh".
4. Danh sach dor kien nhang ngu&i &roc bau, b6 nhi8rn lam thanh vien H6i ding quan trj, thanh vien Ban kiem soat, Tling giam d6c cua Ngan hang &roc Thong d6c NHNN chip thuin bang van ban tnr6c khi biu, b6 rthi8m cac chic danh nay. Nhang ngutti &roc biu, bo rihi8m lam thanh vien HOi ding quan trj, thanh vien Ban kiem soat, TOng giam dOc cua Ngan hang phai thu6c danh sach da &roc NHNN chip thuan50 .
5. Vic mien nhi8m, bai nhi.8m thanh vier' HOi ding quan tri , thanh vien Ban kiem soat, 'Ring giam d6c cua Ngan hang thuc hi8n theo cac quy djnh dia Lust Cac to chtic tin dung va phai bao cao NHNN trong th&i han mdri (10) ngay ke lir ngay thong qua quyet djnh mien nhi8m, bai nhiem cac d6i tuong ke tren51.
6. Ngan hang phai xay dkmg co the by quyen, phan cong trong n6i bq HOi ding quan trj, Ban kiem soat, T6ng giam d6c va b8 may gitip vi8c phi hop veri cac quy djnh cua phap luiit de dam bao vi8c quan trj, dieu hanh Ngan hang duoc an toan, hi8u qua va thong suit.
Dieu 34. Nhiing truimg hqp khong diryc dim nbitin chin vy, khong ding dim nhifm chin vy, lieu chat' de dwirc biu, be nhi?m52
I. Nhting truimg kip khong dwrc dam nhiem chtir
a. Nhang ngtreri sau day khong &roc IA Ke toan truang, Giam d6c Chi nhanh, Giam d6c cong ty con du Ngan hang:
Ngtrbi eitua-thanh nien; nguiti_bi_honshtning lyc hinh vi dan stir hoc b; mit nang luc hanh vi dan su;
Ngutri dang bi truy dru trach nhi8rn hinh su; dang chip hanh ban an, quyet djnh ve hinh sir cua Toa an; dang c6 an tIch;
Ngueri da tirng bj ket an ye cac tqi tir tqi pham nghiem trong tra len;
47 Khoiln 1 Dieu 43 LuAt Cac t6 chic tin dung. 49 KhOin 1 Dieu 45 Luat Cac t8 chic tin dung 49 KhOin 2 Dieu 48 Lult Ckc if!, chic tin dung " Dieu 51 LuAlt Cac t6 chic tin dung 5I Dail 51 Lullt CAc tó chic tin dung. " Dail 33, Dieu 34 Lu8t citc t8 chic tin dung.
btu kanh n0i b¢ - Dam If HDBank 2014 Twig 31/71
HDBank Corn Wit 101 id, coo nhtt Di .du Ngtin hang TMCP Phat triln Chi Minh - HDBank
Can b6, cong chirc theo quy dinh cua phap luat ve can bO, cong chirc; can bo lanh
dao, quan ly nghiep vu trong cac doanh nghiep ma Nha nugc nim tit 50% von dieu
le trar len, trig nhiing nguari dugc cir lam dai dien theo ity quyen de quan ly phAn von gip nha nuarc tai Ngan hang;
S5 quan, ha sy quan, qu'in nhan chuyen nghiep, cong nhan qu6c phong trong cac
ca quan, dan vi thuOc Quan dpi nhan din Viet Nam; sS,' quan, ha s9 quan chuyen
nghiep trong cac co quan, dan vi thuOc Cong an nhan dan Viet Nam; trig ngdri
dugc cir lam dai dien quan IY phan von gip city Nha nu& tai Ngan hang;
Cha, me, vq, ch6ng, con, anh, chi, em cua thanh vien Hoi ding quan tri, T6ng
giam d6c va vg, chiing cua nhang nguai nay khong dugc là Ke toan truing hoac là
nguari phu trach tai chinh cua ngan hang.
b. NhQng ngutri sau day khong dugc la thanh vien Hoi ding quan tri, thanh vien Ban
kiem soat, T6ng giam Mc, Ph6 Tong giam doc va cac chirc danh twang &rang cua
Ngan hang:
ThuOc d6i tugng quy dinh tai diem a dm khoan nay;
Nguari thuOc d6i Wang khong dugc tham gia quan ly, dieu hanh theo quy dinh can
phap luat ve can bo, cong chirc va phap luat ye phong, chting tham rilaing;
Ngutri da timg IA chit doanh nghiep to nhan, thanh vien hqp danh cua cong ty hop
danh, Giam dOc (TOng giam Mc), Chi', tich va cac thanh vien HOi ding quan tri,
HOi thing thanh vien, Ban kiem soat cua doanh nghiep, ChU nhiem va cac thanh
vien Ban quan tri hap tac xa tai thai diem doanh nghiep, hqp tac xa bi tuyen b6
pha san, truarng hqp doanh nghiep, hqp tac xa bi tuyen b6 pha san vl ly do bAt
kha khang;
Nguai dai dien theo phap luat cua doanh nghiep tai thai diem doanh nghiep bi dinh
chi hoat dOng, bi buOc giai the do vi pham phap luat nghiem trong, trig trutyng hop
IA dai dien theo de nghi cua ca quan nha nirec co tham quyen nhim chan chinh,
cling c6 doanh nghiep do;
Nguari da timg bi dinh chi chirc danh Chti tich HOi thing quan tri, thanh vien Heji
d6ngrquan_tri,Truong Ban kiem soat,.thanh vienBan kiem soat,T6ng giam Mc
cua to chirc tin dung theo quy dinh tai Dieu 37 dm Luat Cac to chirc tin dung hoac
bi ca quan quan ly nha nuac, ca quan phip luat xac dinh ngtieri do co sai pham dan
den viec to chirc tin dung bi thu hoi giay phep thanh lap va hoat dOng;
Cha, mg, vq, ch6ng, con, anh, chi, em cua thanh vien Hoi d6ng quin tri, T6ng
giam Mc khong dugc la thanh vien Ban kiem seat cua Ngan hang;
B6, me, vg, chting, con, anh, chi, em cua Chu tich HOi d6ng quan tri khong dugc
IA T6ng giam Mc cua Ngan hang.
2. Nhang omen kip khong cimg dam nhifm char vy:
a. Thanh vien HOi ding quan tri cua Ngan hang:
- Khong dugc thing thari là thanh vien Ban kiem soat cua Ngan hang;
Ltru hainh b() - Dieu le HDBank 2014 Trang 31171
HDBank Corn hilt 1,71 Ich coo nhOt Dieu !g Ngan hang TMCP Ph& &lin Tp.11-so Chi Minh - HDBank
'Chong duqc deng thai la ngtrEri quan ly cua to chirc tin dung khac, trir truerng hQp
to chirc d6 la cong ty con dm Ngan hang;
ChU tich Hei ding quan tri cua Ngan hang khong duce deng thEYi la ngtrEri dieu
hanh cua Ngan hang; khong duce &Ong thEri la thanh vien Hei ding quan trj, nguEri dieu hanh to elide tin dung khac, trir truemg hap to chile do la cong ty con cua
Ngin hang. b. Thinh vien Ban kiem soot:
Khong (lucre deng thEri la thanh vien Hei deng quan tri, ngtroi dieu hanh, nhan vien cua Ngan hang hoAc cong ty con mita Ngan hang;
Khong duqc &Ong thari la thanh vien HOi deng quan tri, ngutri dieu hanh cua doanh nghiep ma thinh vien Ban kiem soot cua doanh nghiep do dang la thinh vien Hei
thing quan tri, nguai dieu hanh tai Ngan hang;
Tnrong Ban kiem soot khong &pc ding thEri IA thanh vien Ban kiem soot, ngutri quan ly cua to chirc tin dung khac.
c. TOng giam dOc, Pho TOng giam dee va cac chirc danh tucrng ducrng khong duct dOng thai la nguai dieu hanh ho4c Chit tich Hei dong quart tri cua to chile tin dung khac, trir tnrang hap da la cong ty con dm Ngan hang; khong dtrqc IA TOng giam dOc, Ph6
Tong giam dec cua doanh nghiep khac.
3. Tieu chuan va dieu kien de duqc bau, bo nhiern":
a. lieu chuAn va dieu kien dei voi thanh vien Hei ding quart trj:
'Chong thuec dei lining quy dinh tai diem b, khoan 1 Dieu nay;
C6 duo dire nghe nghiep trEn ca sar tuan thin quy dinh tai Dieu 35 va Dieu 40 dm Dieu le nay;
LA ca nhan sa hau hoac ngtrai duric Cry quyen dAi dien sa halt it nhat 5/0 yen dieu le cua Ngfin hang, trir truang hqp la thanh vien dec lap dui Hei deng quan tri hoftc co bang dai hac tra len ve met trong cac ngarth kinh te, quan tri kinh doanh, hoac c6 it nhAt 03 nom la ngueri quan IY cua to chirc tin dung hoac doanh nghiep hoot deng trong nganh boo hiem, chiMg Ichoin, ke toan, kiem toan hoac c6 it nhAt 05 nom lam viec trvc tiep tai cac be phan nghiep trong linh vtrc ngin hang, tai chinh, kitm toanlio4c ke toan; —
Doi vai thanh vien Hei ding quan tri dee lap: ngoai nhting tieu chuan neu tai diem nay, phai dam boo yeu cAu ve tieu chuAn va tinh dee lap theo quy dinh tai khoiut 4
dm Dieu nay.
b. Tieu chuan va dieu kien d6i yeti thanh vien Ban kiem soot:
'Chong thuec del Wang quy dinh tai diem b, khoan 1 Dieu nay;
CO duo dire nghe nghiep;
33 Dieu SP Lint cac t6 chile tin clung (trir Schoen 2).
Luu hanh 41 bQ - Dliu If HDBank 2014 Trang 33/71
HDBank Coon kat log WI coo nhOt Die'u le Ngiin hang TMCP Phat &lin Tp.Hii Chi Minh - IIDBank
- CO bing dai hoc ter len ve mOt trong cac nganh kinh te, quart tri kinh doanh, luSt,
ke toan, kiem Wan; c6 it nhAt 03 nam lam viec truc tiep trong linh vuc ngan hang, tai chinh, Ice toan hoAc kiem Man;
}Chong phai la ngueri co lien quan cua ngueri quan 15, Ngan hang;
Thanh vien Ban kiem soat chuyen trach phai cu tro tai Viet Nam trong thari gian
throng nhiem.
c. Tieu chuAn va dieu kien dOi vai TOng giam dOc:
!Chong thuOc dOi tuong quy dinh tai diem b, khoan 1 Dieu nay;
CO dao dim nghe nihiep;
CO bing dai hoc ter len ve mOt trong cac nganh kinh te, quart trj kinh doanh, luAt;
CO it nhAt 05 narn lam ngueri dieu hanh cua to chUc tin dung hoAc co it nhAt 05
nam lam TOng giam CIL, Ph6 TOng giam dL doanh nghiep c6 von chd ser hair tOi
thieu bing mUc On phap dinh dOi veri timg 14 hinh to chOc tin dung theo quy
dinh dm phdp lust hoAc c6 it nhAt 10 nAm lam viec truc tiep trong linh vuc tai
chinh, ngan hang, ke toan hoAc kiem toan;
Cu tn.' tai Viet Nam trong thai gian ducmg nhiem.
d. Tieu chuAn va dieu kien dOi veri Pho TOng giam die, Ke toan truemg, Giarn dOc. Chi
nhanh, Giam dOc cong ty con va cac chd danh tucmg duong:
Khong thuOc &Si tucmg quy dinh tai diem a, khoin 1 Dieu nay; dOi vdri Pho 'fling
giam dOc khong thuOc dOi tuong quy dinh tai diem b, khoan 1 Dieu nay.
CO trinh de) chuyen mon va kinh nghiem: CO bing dai hoc ter len ve mOt trong cac
ngAnh kinh t6, quan tri kinh doanh, luSt hoAc linh vuc chuyen mon ma mirth se
dam nhiem; hoAc c6 bang dai hoc trer len ngoai cac nginh, linh vuc neu ten va c6
it nhAt 03 ram lam viec truc tiep trong linh vuc ngan hang, tai chinh hoAc linh v,rc
chuyen mon ma mirth se dam nhiem;
Cu trir tai Viet Nam trong thai gian throng TilICOrl.
4. Tieu chuAn, dieu kien ye tinh dOc ISp dm thanh vien HOi dOng quan trj (IL 1Sp54:
a. Khong phai la ngutri clang lam viec cho Ngan hang hoAc ding ty con cua Ngan hang
hoAc dA lam viec cho Ngin hang hoAc cong ty con cua NOT' hang trong 03 nAm lien
ke truck do;
b. !Chong phai la ngutri huemg lucmg, thir lao thuemg xuyen cua Ngan hang ngoai nhang
khoan phu cap cua thanh vien HOi dOng quan tri duoc huerng theo quy dinh;
c. !Chong phai la ngueri CO vg, chOng, cha, me, con, anh, chi, em va NT", cluing dm nhang
ngdri nay IA co Ching km cua Ngfin hang, ngueri quin 15' hoAc thanh vier' Ban kiem
sodt cua Ngin hang hoAc cong ty con cua Ngin hang;
d. !Chong trvc tiep, gian tiep ser tau hoAc dai dien sa hair tir 1% von dieu le hoAc On co
phAn c6 quyen bleu quyet tr& len cua Ngin hang; thong ding ngueri c6 lien quan ser
heru tir 5% On dieu le hoAc von co ph&n co quyen bleu quyet trey len cua Ngfin hang;
34 Khoen 2 Dieu 50 Luklt Cgc to chi= tin dung.
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HDBank Com hit KS IcIN coo nhdc Ngiin hang TMCP Thai triin Tp.1113 Chi Minh - HDBank
e. Miring phai la nguiri quan 1j, thanh vien Ban kiem soat cua Ngan hang tai bat 4 thai diem nao trong 05 nam lien ke tnrac do.
Dieu 35. COng khai cac 19i ich c6 lien quan":
1. 'Minh vien Hai dang quan trI, thanh vien Ban kiem soat, Tang giam dac, Ph6 Tang giam
dac va cac chirc danh tucmg Chiang cua Ngfin hang phai cong khai yen Ngan hang clic
thong tin sau day:
a. Ten, d!a chi tru so chinh, nganh, nghe kinh doanh, so va ngay cap Giay chimg nhilm
Clang kj, doanh nghiep, nai clang ky kinh doanh cua doanh nghiep, to chin kinh to ma minh va nguai co lien quan dimg ten so hau phan van gap, ca phin hoax ny quyen, oy thac cho ca &tan, to chtrc 'chic dung ten tit 5% van dieu le trar len;
b. Ten, dja chi tru so chinh, nganh, nghe kinh doanh, so va ngay cap Giay chimg nh/in Bang kj, doanh nghiep, nai Clang 4 kinh doanh cua doanh nghiep ma minh va ngutri
co lien quan Clang IA thanh vien Hai clang quan trj, thanh vien Hai clang thanh vien, thinh vien Ban kiem soat, Tang giam dac.
2. Viec cong khai thong tin quy dinh tai khoan 1 Dieu nay vi viec thay dai thong tin lien quan phai dtrac thuc hien bang van ban trong thai han bay (07) ngay lam viec, ke ter ngay phat sinh hoac co thay dai thong tin.
3. Ngan hang phai cong khai thong tin quy dinh tai khoin 1 Dieu nay dinh 4 hang nam cho Dai'hai dang ca dong cua Ngan hang va &sac niem yet, liru gitu tai tru so chinh cua Ngfin hang.
Dieu 36. Thu lao, tien ltrcrng va Iqi ich khIc cua thinh vien HQi ding quin tri, thinh vien Ban kiem sok, Ting giam etc:
Thu lao, tien luung va kri ich khac cua thanh vien Hai dang quan trj, thanh vien Ban kiem soat, Tong giarn (lac do Dai hai clang co (Jong xem xit, quyet dinh tren co so phi hap yen quy dinh tai Dieu 117, Dieu 125 Luat Doanh nghiep va Dieu le nay.
Dieu 37. Dtrong nhien mit tu cich56
7.—CEETriratiginip ducmg nhien mat tu each thanh vien Hai clang (pan trj, thinh vien Ban kiem soat va Tong giam dac:
a. Mat nang luc birth vi din skr hoac chet;
b. Vi pham quy dinh tai diem b, khoan 1, Dieu 34 cua Dieu le nay ve nhirng truang hap
kitting dtruc dam nhiem chirc vu;
c. Tu cach phap nhan cua ca dOng lA to chtic (ma nguai do la dai dien von gap) cam
dirt;
d. Tu cach lam nguai dai dien theo by quyen cham dirt;
ss Dittl 39 Lust Cac t6 chin tin clung 34 Diu 35 Lust Clic t6 chirc tin clung.
Liu hank 41 by - Dam HDBank 2014 Trang 35/71
HDBank Corn YIt bt Ids coo nnOt Dtdu If Ngan hang TMCP Phai men Tp.Ho Chi Minh - HDBank
e. 13j t6a an quyet dinh truc xuat khOi larch thi mac CQng h6a xa hOi chit nghia Viet Nam
f. Ngan hang bi thu hii Giiy phep thanh lap va hoat ding;
g. Hop ding thue Ting giam (tic het hieu l%rc.
2. Trong thtri han nom (05) ngay lam viec, ke tir ngay xac djnh ducrc cac dOi tucmg bj duang nhien mit tu cach theo quy djnh tai cac diem a, b, c, d, e va g khoan 1 Dieu nay, Hei ding
quan trj cira Ngan hang phai ce, van ban bao cao kern tai lieu chimg minh cu the gin NHNN va phai chju trach nhiem ve tinh chinh xac, trong thuc cua bao cao nay trtroc phap luat; ding thai thiic hien cac thir tic de bAu, bo nhiem chirc danh bj khuyet theo cac quy djnh cua phap luit.
3. CHI tjch va thinh vien HOi ding quan trj, Tnrtmg ban va thanh vien Ban kiem scat, Ting giam dic cua ngfin hang sau khi bi xac djnh mit tu cach dtrcmg nhien van phai chju trach nhiem ca nhan dei yen cac quyet djnh trai v6i quy djnh cua phap luat va Dieu le cia ngin hang hoac cac quyet djnh co ji lam sai cira minh trong thai gian ducrng nhiem.
Dieu 38. Mien nhi?m, bai nhi?m57
/ Chu tjch va thanh vien HOi ding quail tri, Truing ban va thanh vien Ban kiem scat, Ting
giam dic cua Ngan hang bj xem xet mien nhiem, bai nhiem trong cac tnr6ng hop sau:
a. Nang luc hanh vi dan su bi han che;
b. Co dcrn xin tir chirc (trong do neu ro 15, do xin tir chtic) gin 116i ding quail trj, Ban kiem scat cua Ngfin hang;
c. Khong bao dam tieu chuL,' dieu kien theo quy dinh Lai khoan 3 Dieu 34 Dieul4 nay;
d. 'Chong dam bao yeu cau ve tinh dOc lap doi v6i thinh vien HOi ding quart tri dOc lip;
e. }Chong tham gia cac hoat dOng cua FlOi ding quart tri (dii yen thanh vien HOi Cthng
quail tri), Ban kiem sok (dtii vai thanh vien Ban kiem scat) trong sau (06) thing lien tuc, trir tnrang hop bit kha khang;
f. Bi ca quan quan ly nha nuerc xac djnh la vi pham nghiem trong cac quy dinh tai Dieu
35 Dieu 40 cira Dieu le nay;
g. Khi co quan có th'im quyen bat', bo nhiem xet thay can thiet;
h. Cac trutyng hop khac do pilaf) luat quy djnh (neu co).
2. CM tich va thanh vien HOi ding quan tri, Truang ban va thanh vien Ban kiem scat, Ting
giam dic cua ngan hang sau khi bi mien nhiem, bai nhiem van phai chju trach nhiem ca nhan dii veri cac quyet dinh trai yen quy dinh cua phi!) luat va Dieu le cita Ngan hang
hoac cac quyet djnh co 5, lam sai cira minh trong then gian throng nhiem.
3. Trong th6i han mutri (10) ngay lam viec, ke tir ngay thong qua quyet dinh mien nhiem, bai nhiem dOi yen cac dOi tucrng theo quy dinh tai khoan 1 Dieu nay, MI ding quart trj Nem hang phai c6 van ban thong bao kern tai lieu chi:mg minh cu the gin NHNN va phai chju
sT Diku 36 WA Cgc t6 chirc tin dung.
Lars hash sel b¢ - Das HDBank 2014 Trang 36/71
HDBank Com lot .ch coo nhoc D4u le Ngan hang TMCP Pilot lrien Tp.Hii Chi Minh - HDBank
trach rthi8m ve tinh chinh xic, tnmg thuc cua bdo cdo nay tru6c phap luat; clang thoi thjrc hi8n cac th6 tuc de bAu, bo nhi8tn chirc danh bi khuyet theo cac quy djnh cua phap luat.
Dieu 39. Dinh chi, tam dinh chi 93
1. Tnrtyng hcrp Ngan hang bi dAt vao tinh trang kiem soat dac bi8t, Ban kiem soat dA,c bit do NHNN thinh lap c6 quyen dinh chi, tam dinh chi vitc thuc thi nhi'8'm vu, quyen hart cua
Chti tjch va cac thanh vien Hai dung quan trj, Truerng ban va cac thinh vien Ban kiem soat, Nguai dieu hanh cua Ngin hang neu zet thay can thiet.
2. Truting hcrp Chir tjch va cac thanh vien Hai dang quan tri, Truong ban va cac thinh vien
Ban kiem soat, Nguai dieu hanh cua Ngan hang vi-pham quy djnh tai khoan 2, Dieu 34 cua Dieu 18 nay, vi pham quy djnh cua phap luAt va Dieu 18 nay trong qua trinh th,rc hitn nhitm vu, quyen han duric giao, NHNN c6 quyen dinh chi, tarn dinh chi vitc thjrc thi nhi8rn vu, quyen han cira nhang dai tu6ng vi pham nay; y8u cAu Ca quan c6 thAm quyen
cua Ngan hang mien nhi8m, bAu, bo nhitm ngueri thay the hoAc chi djnh ngdri thay the neu xet thay can thiet.
3. Chi.; tjch va cac thanh vien H6i clang quan trj, Tnrarng ban va cac thanh vien Ban kiem
soat, Ngutri dieu hanh cua Ngan hang c6 the bj dinh chi, tam dinh chi vitc thj.rc thi rihi8m vu, quyen han theo quyet djnh cua co quan bao ve phap 141.
4. Nguei bj dinh chi, tam dinh chi vi8c thuc thi nhitm vu, quyen han theo quy djnh tai Dieu nay phai c6 trach rthi8m tham gia xli 15, cac tan tai va sai pham c6 lien quan den trach nhitm ca thifin khi c6 yeu cAu cua NHNN, Hai ding quan trj va Ban kiem scat cua Ngan hang hoAc Ban kiem soat dAc bi8t.
Chuang 9
CAC NGHIA VV Doc f117 THAC CUA THANH VIEN HQI BONG QUAN TRI, THANH VIEN BAN KIEM SOAT, NGUIJI DIEU HANH
NGAN HANG
Dieu 40. Quyeii,-Nghia vy cturthenh view iffi-dOng think vien Ban kiem snit, Ngtroi dieu Minh ctia Ngin hing59
I. Thuc hi8n cac quyen va rihi8m vu dugc giao theo d6ng quy dinh cua phap luat, Dieu l8
nay, quyet dinh cua Dai hOi clang ca Clang.
2. Thuc hi8n cac quyen va nhitm vu ducrc giao mat cach trong thuc, can trong, tot nhit vi lcri
ich cua Ngin hang.
3. Trung thanh vOi kri ich cua Nein hang; khong sir dung th6ng tin, bi quyet, co h6i kinh doanh cua Ngan hang, lam dung dia vj, chirc vu va tai san cua Ngfin hang de thu 1pi ca
5$ Dieu 37 Ludt Cac id chirc tin dung " Dieu 38 Lust Cac t8 chirc tin dung.
Lam harsh ndl bQ - Dliu HDBank 2014 Trang 37/71
HDBank Com Mit I9 lc% COO Mbt Dieu le Nein hang TMCP Phcic triers Tp.Ho Chi Minh - MBank
nhan hoac de phuc vu loi ich cua to ch6c, ca nhan khac hoac lam ten hal teri lcri ich cua Ngan hang.
4. Bao dam luu tra ho so dia Ngfin hang de cung cap duqc cac se lieu phuc vu cho hoat Ong quan ly, dieu hanh, kiem soat moi hoat ging cua Ngan hang, hoat tieing thanh tra, giant sat, kiem tra ctia NHNN.
5. Am hieu ve cac loai nii ro trong boat Ong cua Ngfin hang.
6. ThOng bao kip then, dAy dit, chinh xac cho Ngan hang ve quyen loi cua minh tai to chdc khac, giao dich veri to cherc, ca nhan khac c6 the gay xung deit v6i loi ich cua Ngan hang va chi du'oc tham gia vao giao dich do khi &roc FlOi ding quan tri chAp thuan.
7. Khong &Jac tao dieu kien de ban than hoac ngueri cei lien quan c6a minh vay yen, sir dung cac dich Nip ngan hang khac c6a Ngan hang vai nhQng dieu kien tru QM, thuAn loi hart so
quy dinh chung cua Ngan hang.
8. Kh8ng duce canh tranh bAt hcrp phap vii ngan hang hoac tao dieu kien cho ben tit& ba gay ten hai loi ich dia ngan hang.
9. !thong &roc tang lucrng, th6 lao, tra thuerng khi Ngan hang bill).
10. Cac nghia vu khac quy dinh tai Dieu le nay.
Diu 41. Trainh xung det quyen lqn
1 Cac Hop ding giao dich dia Ngan hang khong thueic pham vi, dei tuang dieu chinh cam hoac han the theo quy dinh dia Luat cac To cherc tin dung va van ban hung dAn cac Lust nay veri thanh vien H8i ding quan tri, thanh vien Ban kiem scat, Tong giam dee, co ding ldrn va ngueri c6 lien quan cua Ngueri quart ly, thanh vien Ban kiem scat, cc') thing lin ctia Ngan hang, cong ty con, cong ty lien ket cua ngin hang, chi &roc ky ket, neu dam bac thkrc hien &mg theo quy dinh sau day:
a. Del vii hop deng c6 gia tri !ern hors 20% (hai mucri phIn tram) yen dieu le c6a Nein hang ghi trong bao cao tai chinh da kiem toan gAn nhit (theo quy dinh cua NHNN) thi phai duoc Dai h8i deng co dong chAp thuan truck khi ky. Trong tnrong hop nay, cac
--c&tterng-tei lien quantal/MT-co quyin bieuroyet441
b. Doi vOi hop deng co gia tri bang hoac nho hon 20% (hai muoi phAn tram) von dieu le ctia Ngan hang ghi trong bao cao tai chinh da kiem town gln nhAt (theo quy dinh ctia NHNN) thi phai dugc H8i ding quan tri chAp thuan truck khi ky. Trong truerng hop nay, thanh vien c6 lien quan khong co quyen bieu quyet61.
2. Truarng hop, hop deng duoc ky ket ma chua ducrc Dai hoi dung co ding hoac 1-18i deng quan tri chap thuan theo quy dinh tai khoan 1 Dieu nay thi hcrp deng do vo hieu va ducre xir 15, theo quy dinh ctia phap lust. Nhang ngu&i gay thiet hai cho Ngan hang phai co trach nhiem bei thuang.
" Diem q khan 2 Dieu 59 Lu4t Cac t6 chirc tin dung . 61 Kh,oin 10 Dieu 63 Lu/1t CAc t6 chin tin dung
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3. Thitnh vien HOi el6ng quan trj, thanh vien Ban kiem sok, T6ng giam d6c va cac chirc danh Ngueri dieu hanh khac kh8ng duce mua hoac ban hoac giao djch c6 phieu cua Ngfin hang hay cua cac Cong ty con khi ho co quyen chiem htly thong tin co the anh htremg den gia
cua nhQng c6 phieu nay trong khi cac c6 dOng Ichic khong c6 thong tin do.
Dieu 42. Trich nhiem va boi thuirug
1. Trdch nhifm:
Thanh vien HOi d6ng quan trj, thanh vien Ban kiem soft, TOng giam d6c va cac chirc danh Ngtreri dieu hanh khac phai CO nghia vu chap hAnh dung cac quy dirth phap luiit hien haith,
Dieu le nay va cac Quy the nOi bq ctia Ngan-hang trong qua trinh thuc hien ctia
minh vi phai chju trach nhiem ve nhQng thiet hai do birth vi vi pham nghia vu ciut
gay ra.
2. Bti Miran:
Ngfin hang se bbi thuang town 130 chi phi hup 15, ye viec khieu nai, to tong lien q vc!ri cong viec thuc trach nhiem &Ric giao cua lanh duo, can bo, nhan vien cua N An
ma nh&ng ngueri nay phAi tham gia, veri dieu kien nhing ngueri nay di thuc hien
Quy djnh cua phap lufit, Dieu le nay va cac Quy the cua Ngfin hang. Ngfin hang
mua vi duy tri bao hiem cho nh&ng ngdri nay dOi yen cac trach nhiem do.
Chircrng 10
HQI BONG QUAN TRj 62
Dieu 43. Thinh phAn vi Nhiem kj,
1. Dai hOi dOng c6 ding bau, mien nhiem, bAi nhiem thinh vien HOi d6ng quan trj v
&Mg d4i dien tren 51% (Nam mum mot phan tram) tong s6 phieu bleu quyet cb ding du hQp chap thufirTTIordrir bau, mien nhiem, bai nhi ""! dbng quan trj.
2. HOi d6ng quail tri phai co tai thieu 05 thinh vien va khong quit 11 thAnh vie Ir tot thibu 01 thanh vien dOc 1fip. H01 dbng quAn-trj phAi c6 it nhit 112 (mbt s6 thAnh vien HOi ding quan trj IA thanh vien dOc Ifip va thAnh vien 'thong phai la
dieu Muth Ngfin hang. Chit tich H8i ding quan tri c6 the la thinh vien dOc 1#p63.
3. CA nhfin va ngueri co lien quan cita ca nhfin do hoac nhOng ngutri IA ngutri dpi- diettwbn
gop cua mOt c6 &zing IA to chirc va ngueri co lien quan cua nhang ngueri nay kh8ng ducx qua mOt phAn ba (1/3) t6ng s6 thanh vien cua HO'i ding quan trj cua Ngan hang.
4. S6 thinh vien HOi ding quAn tri chtra co bang Dai h9c khong vuo qua mOt phi!' to
tong s6 thanh vien HOi dOng quAn tri64.
42 Dieu 43, Dieu 62, 63, 64, 65 Lu#t C8c tb chat tin dung. 63 Khoiln 1 Dieu 62 Lu#t cac td chirc tin 64 Khoan 4 Dieu 16 Nghj djnh 59/2009/ND-CP.
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HDBank as Ca hit 191 Ith coo nhat Didu Ig Ngdn hang TMCP Phat thin Tp.lia Chi Minh - HDBank
5. Nhiem ky dial dung quan trj la 05 nom. Nhiem ky dm thAnh vien Bei dieing quAn trj theo nhiem ky otHei deng quan tri. Minh vien Hei deng quin tri c6 the duct biu hoac be nhiem lei veri stihiem Icy khong han che. Nhiem ky dui thanh vien Hei deng quart trj
la Chrgc be sung boa - y the la thEri han can 1a1 dui nhiem ky Hei dang quan tri. Hei ding gain tri cua nhiem vira ket thac tiep tic heat deng cho den !chi Hai clang quAn tri dm nhiem ky mai tiepian ding viec.
6. Truarng hgp se than! i vien Hei deng quan trj khong du hai phAn ba (2/3) teng se thnh vien all nhiem ky hoac khong du se thanh vien tei thieu theo quy dinh tai Dieu 14 nay thl rrong theri han sau mucri (60) ngay, Ice tir ngay khong dii se lugng thee quy dinh, NgAn hang phai tien hanh be sung dfi se lugng thAnh vien Hei clang quan trj thee quy dinh.
7. Viet bAu, mien nhiem, bAi nhiem vA tir chtic dm Chu tjch va clic thAnh vier' HOi ding (pan trj phai dugc thqc hien theo quy djnh phAp !wet hien hanliza Dieu 4 nay. Trinh tor, tnit hie, he six xin they dei va chuAn y viec beau, be nhiem, mien nhiem, bAi nhiem Chit t4ch vA cac thanh vien Hei ding quart trj dupe thqc hien theo quy djnh cua NHNN.
8. Salt kill c6 phieu Nglin hang dA niem yet, viec be nhiem clic thAnh vien Hei dang quAn trj phai duqc thong bao theo cac quy djnh du phap luat ve thing khoan vA thj trutmg chting khoan.
9. Chet tjch va cac thanh vien khac trong Hei dang quan tri kbeng dugs ay quyen cho nhang nguni kitting phai la thAnh vien Hei dang quan trj thqc hien nhiem vu, quyen han cua mlnh.
10. Twang hgp ce dong nuerc ngoAi (bao gem ca nguai Viet Nam djnh cu 6 nuerc ngoAi) tham gia Hei deng quAn trj phai to them clic dieu kien sau:
a. Ty le se nguai tham gia thinh vien Hei deng quAn trj chi dtn7c tuang Crag yeti ts, le van gap cua tifit ca cac co &mg nuec ngoiti tai Nglin hang;
b. KhOng larn thanh vien Hei dang quan tri qua 02 (hai) TO chirc tin dung tai Viet Nam;
c. -.K.Seng duct gia chirc Chit tjch Hei deng quAn tri cua Ngan hang.
Dad 44. Quyin ban vi Nhiem vy cua H91 dbatcptin trj
1. Chju troth nhiem trudrc phitp lu$t, trudrc Doi hei dAng CO thing trong viec dip hien nhiem vv, quyen han duqc giao.
2. 1.7171h D411 hei deng co ;Jong quyet dinh, thong qua cac van de thue,c thAm quyen dm Doi hei dteng ce d6ng.
3. Quyet djnh viec thAnh lap chi nharih, van phang doi dien, don vi su nghiep.
4. Be nhiem, mien nhiem, bill nhiem, ky luat, dinh chi vA quyet djnh mire luting, lgi Ich khac dei veri cac chircdanh Tang giAm dot, PH, Tang gum dee, Ke torin truerng, Thu ky Hai ding quin trj, caCchirc danh thuec be phan kiem toAn nei be vA ngueri quAn ly, nguai
dieu hanh khAc theo .q4 djnh noi be cua Hei clang quAn tri.
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5. Thing qua plurcrng an gop yin, mua co phan cua doanh nghi8p, to chirc tin dung khic c6 gia trj duai 20% yin dieu Ngan hang ghi trong bao cao tai chinh da dugc kiem town gait nhat.
6. Cir ngo!ri dai din yin gip cua Ngan hang tai doanh nghi8p, t6 chirc tin dung khic.
7. Quyet dint' dau ttr, giao djch mua, ban tai san cua Ngan hang tir 10% tra 18n so vai von dieu 18 cua Ngan hang ghi trong bao cao tai chinh da dugc kiem town gan 'that, tit cac khoin dau tu, giao djch mua, ban tai san cua Ngan hang quy djnh tai diem o khoan 3 Dieu 25 ctia. Dieu 18 nay.
8. Quyet dinh cac khoan cap tin dung theo quy dinh tai khoin 7 Dieu 128 cua Luat cac to chat tin Dung, trir cac giao djch thu6c tham quyen quyet djnh cua Dai h6i ding co dung quy di Dieu 18 nay.
9. ThOng cac hgp ding cua Ngan hang vii cong ty con, cong ty lien ket cua Ngan hang; cac hgpling cua Ngan hang vii thanh vien HOi ding quan trj, thanh vien Ban kiem soat, VIDA von die truang
JO. laem fan
co (long km, ngtroi c6 lien quan dm hp c6 gia tri bang hoac n176 him 20% 8 cua Ng'n hang ghi trong bao cao tai chinh da dugc kiem town gan ahat. Trnng
nay, thanh vien co lien quan khOng c6 quyen bieu quyet.
giam sat, chi dao Ting Om dic thuc hi8n tilii8m vu dugc phan cong; danh gia ve hi8u qua lam vi8c cua Ting giam dic. (4P
---, 11. Ban hath cac quy dinh nOi 136 lien quan d8n to chfrc, quan trj va hoat clang cua Ngan hang
1.e- ph6 h vai cac quy djnh dm Luat nay va phap luat co lien quan, trir nhang van de thu6c tthemq
1 'en dm Ban kiem soat hoac cua Dai hai dong co ding.
12. Quyerelith chinh sach quan ly riti ro va giam sat vi8c ths,rc thi cac bin phap phang ngira rui ro o Ngan hang.
13. Xerm4 phE duy*8t bao cao thdmg nien.
to chirc djnh gia chuyen nghi8p de dinh gia tai san gop yin khong phai la tien I , ngoai tg tu do chuyen dii, yang theo quy dinh cua phap luat.
15. ong dic NHNN chap thuan cac van de theo quy dinh cua phi') luat. • I 16. Quyet dkh chao ban co phan trong pham vi so co phan dugc quyen chao ban.
17. Quyet djnh gia chao ban co phan va trai phieu chuyen dii cua Ngan hang.
18. Quyet dinh mua lai co phan cua Ngan hang.
19. Kin nghi phucrng an phan ph6i lai nhuan, mac co ttic dugc tra; quyet dinh thai ban va thu tuc tra co tirc hoac xir IY 16 phat sinh trong qua trirth kinh doanh.
20. Lira chgn m6t to chirc kiem town d6c lap du dieu ki8n theo quy djnh cua NHNN de kiem town cac hoat Ong cua Ngan hang trong nam tai chinh tiep theo truac khi ket th6c nam tai chinh.
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MDBank Co.,. hilt 191 I dt COO ("hot Dieu !g Ngan hang TMCP Pilaf tri es Tp.lro' Chi Minh - HDBank
21. Chuin bi n6i dung, tai lieu lien quan de trinh Dai h6i ding co Ong quyet djnh cac vin de thu6c thim quyen cua Dai h6i ding co (tong, trir nhOng n6i dung thu6c nhiem vu, quyen han cua Ban kiem soat.
22. Duyet chuong trinh, ke hoach hoat Ong dm H6i ding quart trj; chtrcmg trinh, n6i dung,
tai lieu phvc vu hqp Dai h6i ding co (long; trieu tOp hqp Dai h6i Ong CO Ong ho0c lAy kien co Ong bang van ban de thong qua Nghi quyet, quyet djnh cua Dai h6i ding co Ong.
23. TO chat trien khai, kiem tra, giam sat viec thvc hien Nghj quyet, quyet dinh cua Dai h6i
Ong co Ong va 116i ding quirt tri.
24. Thong bac) kip th6i cho NHNN th8ng tin anh hu&ng tieu cuc den to cach thinh vien Nei
ding quart tri, Ban kiem soat, Ting giam dOc.
25. Cac nhiem vu, quyen han khac theo ity quyen cua Dai h6i ding CO Ong va quy djnh tai
Dieu le cua Ngan hang, quy djnh cua pita!, luit (neu c6).
Dieu 45. Quyen ban, nhqm vy cua Cita tich vi thinh vien HOi ding quip trj
1. Chti tjch HQi ding quan trj cua Ngan hang c6 cac quye'n han va nhiftn vu sau day:
a. Lip chtrcmg trinh, ke hoach hoat Ong dm H6i ding quart tri;
b. Chun bi hoAc to chtic viec chuin bi clurcrng trinh, n6i dung, tai lieu phuc vv cu6c hop; trieu t6p va chit toa cu6c hop H6i ding quart tri;
c. To chirc viec thong qua quyet dinh cua 116i ding quan tri;
d. Gam sat qua With to chirc thvc hien cac quyet dinh cua H6i ding quan tri;
e. Chu toa hqp Dai h6i ding co Ong;
f. Dam bac) cac thanh vien H6i ding quan tri riNn duqc th6ng tin di), du, lthach quan,
chinh xac va dU thi gian than lu n cac yin de ma H6i ding quan tri phai xem xet;
g. Phan cong nhiem vv cho cac thanh vien H6i ding quart tri. N6i dung phan cling nhiem vy cu the thanh vien phai dugc the hien dual dang van ban va et) cha 1(5, oh Chit tich
H6i ding quart tri;
h. Giam sat cac thanh vien H6i ding quart tri trong viec thyc hirt cac cong vigc ducc
phan cong va cac nhiem vu, quyen han Chung;
i. Danh gia hieu qua lam viec cua tirng thanh vien, cac Uy ban dm H6i ding quart tri t6i
thi6u mOi nam 01 lin va bao cao Dai h6i ding co (Jong ve ket qua &rill gia nay;
j. Tnrang hqp Chit tich H6i ding quan trj ving mit thi 4 quyen bang van ban cho mgt thanh vien khac de thvc hien cac quyen va nhiem vv cua Chit tich H6i ding quail trj theo nguyen tic quy djnh tai Dieu le. Tndyng hqp {thong ci ngutri duqc uSt quyen hoic Chu tich H6i ding quan trj khong lam viec dtrqc thi cac thinh vien can lai hitt mgt ngtdri trong so cac thanh vien tarn thtri giu chirc Chit tich H6i ding quin trj theo
nguyen tic da so qua ban;
k. Cac nhiem vu va quyen han khac theo quy dinh cua phap luit (neu c6).
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2. Thanh vien HQi long quern tr./ co cdc quyen va nhifm vs sau day:
a. Can v6i cac thanh vien khac cua H6i dO'ng quan trj quan trj ngin hang theo quy djnh
cua phap luAt va Dieu 18 dm ngan hang.
b. Thkrc hi8n cac rihi8m vu va quyen han cua mgt thanh vien H6i d6ng quan trj theo eking
quy the n6i b4 cua H6i ding quan trj va su phin cong cua CHI tjch H6i ding quan trj m6t cach trung thkrc vi lqi ich cua ngin hang.
c. Nghien dru bao cao tai chinh do kiem toan vien d6c lAp chuAn bj, cd y kien hoc yeu cAu ngueri dieu hanh Ngan hang, kiem toan vien d6c lAp va kiem toan vien nOi gild trinh cac van de cd lien quan den bao cao.
d. Bitu, mien nhi8rn va bAi rihi8m Chu tjch H6i ding quan tn.
e. Y8u cAu Chti tjch 1-16i dOng quan trj trig p cu6c hop H6i ding quan trj bAt thtrang theo quy djnh cua Phap luat va Dieu 18 n ti-
f. Tham du cac cu6c hop H6i dong quan trjjhao luAn va bieu quyet ve tat ca cdc yin de thuc nhiem vv, quyen han cua H6i d6ngcquan trj theo quy djnh cua phap luAt vi tai
Dieu 18 nay, trir tnremg hcrp khongrlductstbieu quyet vi van 6 xung CtOt Iqi ich vdi thanh vien dd. Chju trach nhiem ca nhaitittrac phap luAt, tnerc Dai h6i dOng c6 dong
va tnroc H6i dong quan trj ye nhang qu*dirth mem minh.
Trien khai thuc hi8n cac quyet djnh cua bai h6i dOng c6 dong va Nghj quyet cua H6i
dong quan trj.
h. Cd trach nhi8m giai trinh truerc Dai h6rtt6ng c6 dOng, H6i ddrig quan trj ve vi8c thuc hi8n nhigm vu dtrcrc giao khi duoc yeu cAu.
i. Cac nhi8m vu va quyen han khac theo quy djnh cua phap luAt (neu cd).
Dieu 46. ThU lao cua thinh vien HOi ding qu4n trj
1. Thanh vien H6i d6ng quan trj khong chuytti trach ducrc huong this lao va tien thuemg.
Thanh vien H6i ding quan trj chuyen traclVehroc huerng lucrng va tien thuerng theo Quy the tien lucmg cua Ngan hang. lao cua Thanh vien H6i dong quan trj vi Quy hoat d6ng cua H6i ding quan h6i dong c6 (long quyet djnh tai cubic hop thutmg nien.
. _ e
rn
2. Thanh vien H6i don quan trj duqc quy &rot thanh toan cac chi phi An, 6, di lai
phi hcp ly khac ma ho tra khi thuc hi8n nhi8M vu duoc giao.
3. Thii lao cua Thanh vien 1-16i ddng quan trj clucic tinh vao chi phi kinh doanh cua Ngan
hang theo quy djnh cua phap luAt ve thue thu nhAp doanh nghi8p va phai &pc the hin thanh mvc rieng trong bao cao tai chinh hang nam cua NgAn hang vet phai bdo cao Ddi hOi
eking co (long tai cuOc hop thuemg nien.
Dieu 47. Thay the thinh vien WO ding quern
1. Trong thiyi han khong qua muari lam (15) ngay ke tit ngay Chu tjch H6i dOng quan trj bj
throng nhien mat ttr cach thanh vien H6i ding quan trj, cac thanh vien H6i d6ng quart trj
g.
ref
Luw hanh nQ1b¢ - Dila HDBank 2014 Trang 43/71
HDBank Corn Mt 10 Ich coo nhdt Ngiin hang TMCP Phat &fin Tp.Ha Chi Minh - HDBank
c6 trach nhiem to chin hop Hei ding quan trj de bAu met thinh vien HQi ding quart trj (du tieu chuAn, dieu kien theo quy djnh hien hanh) lam Chti tjch Hei ding quan trj.
1. Chti tjch Nei ding quan trj mu6n tir chile phai co don gin den Hei den quart trj. Trong thtri han sau mucri (60) ngay ke tir ngay titian dun, Hei ding quan trj phai to chic hop de xem xet quyet djnh va tien hanh cac thit tvc mien nhiem, bai nhiem, bAu Chu tjch Hei Clang quan trj theo quy djnh hien hanh.
3. Thant' vien HQi ding quan tri muen tir chdc phai c6 don hoac van ban gin Hei ding quin trj de trinh Dai hei ding ce ding quyet djnh.
4. Trutmg hcrp bi giam qua met phAn ba (1/3) s6 thanh vien Hei ding quan trj hoac khong dit se thanh vien Hei ding quan trj t6i thieu theo quy djnh oh Dieu le nay, thi trong thtri han khong qua sau mtrai (60) ngay ke tir ngay khong do se luting thanh vien Hei ding quan trj theo quy djnh, Hei ding quan trj phai trieu tap Dai hei ding CO dung de bAu be sung thinh vien Hei ding quan trj.
5. Trong cac tnrtrng hap khac, cuec hop gAn nhAt cua Dai hei ding ce dung se bAu thanh vien Hei ding quart trj meri de thay the cho thanh vien Hei ding quan trj bj mien nhiem, bai nhiem hoac be sung nhirng thanh vien con thieu.
Nhimg ngutri duqc bAu giip chic Chu tjch va thanh vien Hei ding quan trj c6 trach nhiem tiep nhan va dam nhiem ngay cong viec cita chirc danh &lac bAu. CHI tjch va cac thanh vien Hei ding quan trj bj mien nhiem, bai nhiem c6 trach nhiem ban giao cong viec cho Chu tjch va cac thanh vien Hei ding quan trj mai (lucre bAu xir IY; Clang then phai chju trach nhiem ca nhan dei vii cac quyet djnh cua minh trong thtri gian c6 to cach darn nhiem chtk danh de.
Dieu 48. CuOc hyp ciia HQi ding quan trj
1. Trutrng hcrp Hei ding quan trj bAu Chu tjch thi cuec hop dAu tien cua nhiem kj, Hei ding quart trj de bAu Chit tjch va ra cac quyet dinh khac thuec thAm quyen phai duqc tien hanh trong thtri han bay (07) ngay lam viec, ke tir ngay ket thdc bAu cir Hei dung quart trj nhiem kjr do. Cuec hop nay do thanh vien c6 s6 phieu bAu cao nhAt trieu tap. Tnrtmg hqp c6 n1ueu han mgt thanh vien co so fihieu bAu cao nhAt va ngang nhau-thicac thanh vien dA bau theo nguyen tic da se met ngutri trong se ho trieu tap hop Hei ding quan trj.
2. Cdc cit'pc hpp thwitng kj,
Chit tjch Hei ding quan trj phai trieu tap cac cuec hop Hei ding quan trj, lap chucrng trinh nghj sir, then gian va dja diem hop it nhAt bay (07) ngay truck ngay hop dor kien. Chit tjch c6 the trieu tap hop bAt ky khi nao thay can thiet, nhtmg it nhAt mei quy phai hop met lAn.
3. Cdc cuec hpp bht thirdwg
Chit tjch phai trieu tap hop Hei ding quan trj, khong duoc tri holn neu khong c6 lY do chInh Clang, khi met trong se cac doi tucmg dudri day de nghj bang van ban trinh bay mvc dich cuec hop va cac van a can
a. T6ng giam dic hoac it nhAt narn can X) quan IY;
Lieu hanh rt¢i b¢ - Dieau HDBank 2014 Trang 44/71
HDBank Com hilt 1Q4 Ich too mildt Die'u Ngtin hang TMCP Phtil men Tp.111) Chi Minh - HDBank
b. Hai thinh vien Hai d6ng quan trj tra len;
c. Chit tjch Hai ding quan trj;
d. True:mg Ban kiem soat;
e. Hai phAn ba (2/3) thanh vien Ban kiem soat troy len;
f. Giam dac NHNN Chi nhanh TP. HCM.
Chu tjch hoac thanh vien Hai dtmg quan trj ducic Chu tjch uy quyen phai trieu tap hpp H6i ding quart trj trong thai han mutyi lam (15) ngay, ke tir ngay nhan duck met trong cac de nghj theo quy djnh tai Dieu le nay. Tnrang hop Chit tjch hoac nguai &roc uy quyen khong
trieu tap hop H6i dOng quan trj theo de nghj thi phai chju trach nhiem ve nhang thief hai xay ra dOi vai ngan hang, trir true:mg hcip khong trieu tap hop dutic vi do bAt Icha Ichang;
trong truang hop nay, nguai de nghj hop Hai d6ng quL trj ca quyen trieu.taR,4hop H6i d6ng quart trj, cac thinh vien Hai dling quan trj du hop be phieu bAu chu tpa cuhop.
5. Tnrang hop ca you cL cua kiem town vien dac lap, Chu tjch H6i ding quan trj phai trieu tap hop H6i dOng quan trj de ban ve bao cao kiem toan va tinh hinh Ngan hang. '
6. Dia lam hpp
Cac cu6c hop H6i d6ng quan trj se duqc tien hanh a dja chi da dang ky cua Ngan hang
hoac nhting dja chi khac a Viet Nam theo quyet dinh dm Chi: tjch Hai d6nS-Atian trj va ducic su. nhAt tri cua H6i d6ng quan trj.
7. Thong bay va chwang trinh hpp
Chu tjch H6i dang quan trj hoac nguai trieu tap hop H6i dang quan trj phai giri thong-bao mai hop charnnhAt nam (05) ngay lam viec tnnk ngay hop. Thong bau mai hop phtli xac djnh et: the thai gian va dja diem hop, chuong trinh, cac van de thao luan va quyet djnh. Kern theo thong bao mai hop phai ca tai lieu sir dung tai cuac hop va phieu bleu quyet cua
thanh vien Chit tjch H6i dang quL trj hoac nguai trieu tap phai gin th6ng bao mai hpp *sac tai lieu kern theo den cac thanh vien Ban kitm soat va TOng giam dOc nhu dt5i v6i.0144vien H6i Ching quin trj. Thanh vien Ban kiem soat, TOng giam dOc khong phailitiff*Vvien H6i d6ng quan trj, ca quyen du cac cuOc hop cua Hai dong quan trj; ca quyen
' nhung
quyet.
Thong bao mai hop duoc giri bang buu dien, fax, thu dien tir hoac phuong tien khac, nhung phai bao dam den &roc dja chi cua timg thanh vien H6i ding quan trj ducic diing ky
Ngan hang.
8. so thanh vien tham dir toi that,
Cu6c hop dm H6i d6ng quan trj chi dugc tien hanh khi có it nhAt 3/4 (ba phL tu) t6ng s6
thanh vien H6i d6ng quin trj du hop. Truting hop khong trtrc tiep du hop, thanh vien H0i
ding quan trj ca quyen uy quyen bieu quyet cho mOt thanh vien HOi ding quan trj Ichic ho4c giri y kien bieu quyet bang van ban.
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Thinh vien Hai clang quan trj dugc ity quyen cho ngueri kit& kh8ng phai la thanh vien Hai dang quan trj du hop neu dugc da sit) thanh vien Hai dang quan trj chap thuan. Trong trutmg hop nay, ngueri dugc ity quyen du hop khong dugc bieu quyet.
9. Bail quyit
a. Thinh vien H6i dang quan trj khong dugc bieu quyet ve cac hop ding, cac giao djch hoac de xuat ma thanh vien do hoac ngueri lien quan ten thanh vien do c6 lei ich vi lei ich do mau thuln hoac c6 the mau than vbi lei ich cita Ngan hang;
b. Theo quy djnh tai diem c, khoin 9 Dieu nay, khi c6 van de phat sinh trong mat cuac ,
hop ctia Hai &mg quan trj lien quan den mirc da lei ich cita thanh vier' 116i (Jong quart trj hoac lien quan den quyen bieu quyet mat thanh vial ma nhang van de de khong dugc giai quyet bang su to nguyen tir bit quyen bieu quyet cua thanh vien H6i deng quart trj do, nhang van de phat sinh do se dugc chuyen ten chit toa cuac hop va phan quyet cita chit to lien quan den tat ca cac thanh vien Hai Clang quan trj khdc se c6 gia trj IA quyet dinh cu6i cimg, trir truerng hop tirth chat hoac pham vi lgi ich cua thanh vien Hai dang quan trj lien quan chua dugc cong ba mat cach thich ding;
c. Thinh vien H6i dang quan trj huerng Iqi tir mat hop dang dugc quy djnh tai khoan 1, dieu 120 dia. LOA doanh nghiep se dugc coi la c6 lei ich ding ke trong hop ding do;
d. Truern hop bieu guy& bang van ban, phieu bieu quyet phai dung trong phong bi kin va phai dude chuyen den chit toa cuac hop Hai dang quan trj cham 'that 01 gib truck gib khai mac. 13:-Iieu bieu quyet chi dugc mei truerc su chimg kien cua tat ca nhUng thanh vien true tiep du hop.
10. Ong khai ltri lch: Thanh vien H6i clang quan trj trot tiep hoac gian tiep dugc huemg lei tir mgt hop dang hoac giao djch da dugc kj, ket hoac clang du kien ky ket veri Ngan hang vi biet la mirth co lei ich trong do, se phai cong khai ban chat, nai dung dm quyen kri da trong cuac hop ma Hai dang quart trj lan dau tien xem xet van de 14, ket hop clang hoac giao djch nay. Hoac thanh vien nay co the ding khai dieu do tai cuac hop dau tien cita H6i dang quart trj dugc to chtic sau khi thanh vier' nay biet rang mirth cet Igi ich hoac se c6 lgi
ich trong giao djch hoac hop clang lien quan.
II. Bleirirrytair'sk-Widong quan tri thong qua cac Nght vira quyet djnh bang cach tuan theo y kien tan thanh cua da so thanh vien H6i dang quan tri c6 mat (tren 50%), bao gem ca phieu bieu quyet bang van ban va phieu bleu quyet theo uj, quyen. Tnr&ng hop so phiEu tan thanh va phan doi ngang bang nhau, thi quyet dinh cuoi ding thuac ve phia c6 kien cult ngtrbi chit toa cuac hop.
12. 11pp tren dien thopi hocc cac hinh thar khdc: Cuac hop dm Hai ding quan trj c6 the to chat theo hinh thirc nghj su gift cac thanh vien dm Hai clang quan trj khi tat ca hoac mat s6 thanh vien dang 6 nhang dja diem khdc nhau veri diEu kiEn la mei thanh vien tham gia hop deu co the:
a. Nghe tong thanh vien Hai clang quan trj khdc cong tham gia phat bieu trong cuac hop;
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b. Neu muan, ngueri do co the phat bleu veri tat ca cac thanh vien tham du khac mat cach ding thai.
Viec trao etai gida cac thanh vien co the thuc hien mat cach truc tiep qua then thoai hoac bang phuong tien lien lac thong tin khac (ke ca viec sir dung phircmg tien nay dign ra vao thi diem thong qua Dieu le hay sau nay) hoac la ket hap tat ca nhcmg phtrcmg thin nay.
Theo Dieu le nay, thinh vial Hai elOng quart tri tham gia cuac hop nhu vay Qtrcrc coi la
"cc!) mat" tai cuac hap eto. Dia them cuac hop (lucre to chirc theo quy Qinh nay la dja them
ma nllom thanh vien Hai idling quart tri thing nhat tap hap lai, hoac neu khong co mat nhorn nhu vay, thi dja them hop la dja th'em có sit hien dien cua Chit toa cuac hap.
Cac quyet Binh cluck thong qua trong mat cuac hop qua then thoai (lucre to chin va tien heath mat each hap thirc se c6 hieu luc ngay khi ket thitc cuac hop nhung phai (lucre khang Qinh bang cac chit k5 trong bi8n ban cua tat ca thanh vien Hai dOng quan tri tham du cuac
hap nay.
13. Bien ban hpp HQi d oing qucin irj:
a. Cac cuac hop dm Hai clang quart tri phai Quqc ghi vao so bien ban. Bien ban co cac
nai dung chit yeu sau day:
Ten, Qia chi tru sb chinh, so va ngay cap GiAy chimg titian clang k5, doanh nghi8p,
nai clang ky kinh doanh;
Muc dick, chucrng trinh va nai dung lip;
Thai gian, dia di8m hop;
Ha, ten tirng thanh vien du hap nXic rgtrai ducrc u5' guy& du hop; ha, ten cac
thanh vien khong du hap va ljr do;
Cac van Qe ducic thao luan va bieu quyet tai cuac hap;
Tom tit phat bieu y kien ctia timg thanh vien du hap theo trinh to din bien cua
cuac hop;
Ket qua bieu quyet trong do ghi ro nhimg thanh vien tan thanh, kitting tan thanh va
khong coy kien;
Cac quyet dinh da (Iliac thong qua;
chi' 4 cualitsithanh vien ho4c Qai dien theau5, quyendu hap.
b. Chu toa va thu ky phai chju trach nhiem va tinh trung thuc va chinh xlccita nal dung bien ban hop Hai clang quart trj.
c. Bien ban hop Hai cit'ing quart trj va tai lieu sir dung trong cuac hop phai (lucre luu giur
tai try chinh cua cong ty.
d. Cac cuac nai dung lien quan den Bien ban hap Hai (fang quan trj thuc hien theo quy
Qinh tai khoon 1, khoein 2 Dii.0 113 Lu'at Doanh nghiep.
e. Truemg hap thanh vien true tiep du hop khOng 4 vao bien ban thi phai ghi ra 15, do;
neu khong ghi ra 15, do thi bieu quyet cua thanh vien Q6 dai veri nhang nal dung tai
cuac hop coi nhu {thong co gia trj.
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f. Chu tjch Hei ding quan trj c6 trach nhiem chuyen bien ban hop Nei ding quan tri cho
cac thanh vien va nhQng bien ban do se phai Quoc xem nhu filial-1g bang chUng )(tic
thisrc ve cong viec da duqc tien hank trong cac cuec hop Q6 trir khi coy kien plan el;;Si ve nei dung bien ban trong thtri han mutri (10) ngay ke to khi chuyen di. Bien ban hop
Hei ding quail tri phai c6 cha kj, cua tat ca cac thanh vien Hei ding quin trj tham du cuec hop.
g. Bien ban cuec hop Hei ding quan trj phai duqc lap bang tieng Viet va c6 the bang met thY tieng nuec ngoai, va hai ban nay co gia trj phip 1j, ngang nhau. Trutmg hqp hai
bien ban nay c6 sv khac biet ve nei dung thi duct giai thich theo bien ban ductc lap
bang tieng
h. Cac 'lei dung lien quan den viec hop Hei ding quan trj thirc hien theo quy djnh tai cac
khoon 1, 2, 3, 4, 6, 7 D4u 112 Ludt Doanh nghiep va Dieu le nay.
i. Ngan hang quy dinh trong Quy djnh nei be ciia Hei ding quan trj cac truing hop hop khin cAp, thtri han thong bao va hinh thirc th8ng bao mini hop Hei ding quan tri trong trutmg hop can hop khAn cAp.
Dieu 49. BO may giiip viec cast HQi ding quip tri
1. HQi cling quan tri sir dung con dAu cua Ngan hang de thuc hien nhiem vv, gulithan cua minh.
2. Hei ding quan tri phai thanh lAp cac Uy ban de thvc hien nhiem vi, quyen ban cua minh, trong do t6i thieu phai co 02 Uy ban la: Uy ban ve vAn de quart ly rui ro va Uy ban ve van de nhan su. Hei ding quart trj quy dinh nhiem vi, quyen han cua hai Uy ban nay then
huerng din ciia NHNN65.
3. Gig) viec cho Hei ding quan tri c6 Thu kj, Hei ding quan trj. Hei ding quan trj se b6
rthiem va quy dinh chirc nang, nhiem vi cua thu ky. Hei ding quail trj c6 the bai rtbim thu ky van bat cu thoi diem nao tuy nhien kh6ng duoc lam phuang hai den cac yeu cAu
bii thutmg thiet hai do vi pham hop ding lao den giva thu ky va Ngan hang. Hai hoac nhieu nguai co the &roc 1)8 nhiem la ding thu 14; chirc nang, nhiem vv cua thu ky bao
A pm: _
a. Th6ng bao viec trieu tap cac cuec hop Hei ding quan trj theo QC nghi GiorChti tjch
Hei ding quan tri hay cilia Ban kiem soot;
b. Ghi bien ban cuec hop;
c. Ty vAn ve thti tic cac cuec hop;
d. Cung cAp tilting tin cho cac thanh vien Hei ding quan tri, thanh vien Ban kiem sok va Co ding;
e. MOt so nhiem vi khac theo phan cling cua Hei ding quan tri.
is Dieu 8 Thong to 06/2010irT-NHNN.
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Dieu 50. Them quyen NI the thiic liy y kien thinh vien HOi ding quail trj bing vin
bin"
I. Chir tjch Heri ding quan trj quyet di/1h vi'ec thy y kien thanh vien Hei ding quan tri bang
van ban.
2. Thu k5, HOi ding quan tri chuAn bj phieu lAy y kien, cac tai lieu can thiet co lien quan den nOi dung xin y kien. Phieu lAy y kien va tai lieu kern theo phai dtroc giri bang phtrang thik
bao dam den dia chi lien lac cua timg thanh vien I-10i ding quan tri.
3. Philu lay f, kien phcii cd cdc n'di dung chsi ylu sau day: • . k
a. Ten, dia chi try chinh, se va ngay cap Glay phep thanh 1Ap va hoat dOng, Giay
chimg nhAn dang ky doanh nghiep cua ngan hang;
b. Mvc dich lAy y kien;
c. Ho, ten va dia chi lien lac dm thanh vien HOi ding quan tri;
d. VAn de can lAy y kien;
e. Phucmg an bieu quyet, bao gem: tan thanh, khong tan thanh va khOng coy kien;
f. Thai han giri phieu Illy y kien da duqc tra lhi ye ngan hang;
g. HQ va ten, chit kj, cua Chu tich Hei ding quan trj.
4. Phieu lAy y kien da duqc tra lai phai có chir kj, cua thanh vien HOi ding quan tri va giri ye ngan hang theo quy dinh cua ngan hang.
5. Thu. kfr Irdi clang qucin trE kilm philu va 1(2p bien ban kilm philu dudi st, giant sat cut:
it i thilu mPt thank vien H(ti tiling quart trf ddc lip. Bien ban kiim philu phai cd cdc
n¢i dung chti yiu sau day:
a. Ten, dia chi try so chinh, so va ngay cap GiAy phep thanh IAp va hoat dOng, GiAy
chting nhAn dang ky doanh nghiep cua ngan hang;
b. Muc dich va cac van de can lAy y kien;
c. Tong so phieu bieu quyet gin di, tong so phieu bi'eu quyet thu ye, phieu bieu quyet hop le, se phieu bieu quyet khong hop le. Bien ban phai co phv lvc danh sach thinh
vien HOi ding quan tri dA tham gia bieu quyet;
d. TO'ng so phieu tan thanh, khong tan thanh va khongcoy kieri-dOT:raitiffig -Yirr de' trot
xin y kien;
e. Ho, ten, chit ky cua nguM phi trach kiem phieu, ngutri giam sat.
6. Thu kj, HOi deng quan trj tham gia vao viec lAy 5, kien thanh vien HOi ding quan trj bang van ban va nguOi giam sat !dem phieu phai lien (lei chlu trach nhiem ve tinh trung thvc,
chinh xac cua bien ban kiem phieu; lien dOi chiu trach nhiem ye cac thiet hai phat sinh tir
cac quyet djnh &roc thong qua do kiem phieu khong trung thuc, khong chinh xac.
66 • 1 Dieu 51 Nghj djnh 5912009/ND-CP.
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7. Bien ban ket qua kiem phieu kern Nghj quyet, quyet dinh cua Hei ding quan tri thong qua dira tren ket qua kiem phieu phai &roc gCri den cac thanh vier' Hei ding quart trj trong thtri hp maxi lam (15) ngay, ke tir ngay ket th6c kiem phieu.
8. Phieu ley y kien da dtroc tra lai, bien ban kiem phieu, toan van Nghj quyet da ducyc thong qua ye tai lieu c6 lien quan gin kern theo phieu lay Y kien du phai &roc luu t4i tri so chinh cua ngan hang.
9. Quyet dinh &roc thong qua theo hinh thirc ley y kien thanh vien Hei ding quart trj bing van ban c6 gia trj nhu quyet dinh &roc thong qua tai cuec hop Hei ding quan tri.
Chuang 11
TONG GIAM DOC
Dieu 51. Tong gilm dec67
1. Tong giam (lac la ngueri dieu berth cao nhat cua Ngfin hang, chiu su giarn sat cua Hei eking quer' trj va Ban Kem soat; dung thoi Tong giam dec chju trach nhiem tnrac Hei deng quan trj . truck pita') luat ve viec dieu hanh hoat ding hang ngay cua Ngan hang.
Hei ding quan trj bo nhiem trong se thanh vien cua mirth ho4c mit ngtthi khac lam Tong giam dec va se ky met hop ding lao ding quy dinh hrang, bei thutrng, cac quyen nghia vu va cac dieu khoan khdo dei vii Tong giam dec. V* be nhiem, mien nhiem, bai nhiem ye tir chdc cua Tong giam dec dtroc thirc hien theo Luat cac TO chic Tin ding, Quy dinh cua NHNN. Luong, bei thuerng ye cac quyen lqi cua T6ng giam el& phiti duvc bao oat) vOi 134i hei ding co dung ye ghi tai Bao cao nam cua Ngan hang.
3. Nhiem ky cua Tong giam dec do Hei ding quart tri quyet djnh nhtmg kitting qua 05 (nam) nlim. Tong giam dec co5 the ducrc be nhiem lai yen so nhiem kY khong hart che.
4. Gitlp viec cho Tong giam dec c6 (cac) Ph6 Tong giant dec, Ke toan truing, cac chirc danh ttromg ducmg va 136 may chuyen mon nghiep vv. Hei ding quart tri quy djnh cu the ca cell, chirc nang, nhiem vi cua N may gitip viec cho Tong giam dec.
5. Ph6 Tong giam dec dieu hanh met hoac met so linh virc hoat Ong cua Ngan hang theo sir phin ding dm TOng giant dOc. Ke toan taring giup TOng giam (Vic chi doo thvc high
cong tac ke toan, thong ke cua Ngan hang, c6 cac quyen va nhiem vu theo quy (firth dm phi') luat.
Dieu 52. BE nhi?m, mien nhiem, bai nhiem Tong gisim dec
1. Trinh tir, dal tpc, hO so xin thay dei va chuen y viec bau, be nhiem, mien nhiem, bai nhiem Tong giam dec &roc thvc hien theo quy dinh cua NHNN.
Diku 48 LuAlt Citc t6 chirc tin dung.
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2. Tang Om dac sau khi co guy& djnh bo nhiem cua Hei dong quart trj, ducrc dam nhiem ngay Ong viec cua chtic danh mai ducrc b6 nhiem; Tang giam dac cu c6 trach nhi'm ban giao cong viec cho Tang giam dac mai xirl$, va phai chju trach nhiem ca nhin deSi yeti cac quyet djnh ctia minh trong then gian c6 tu cach dam nhiem chic danh do.
3. Truang hap Tang giam dac bj ducmg nhien mit tu cach Tang giam &Sc thi trong then hp met (01) ngay lam viec ke tir ngay Tang giam dac bj xac dinh ducrng nhien mat to cach, hoc bj mien nhiem, bdi nhiem khi chtra c6 ngtrai thay the, Hai ding quart trj phiii CO quyet djnh cu ngay met Pho Tang giam dee dieu hanh hoat deng Ngin hang dam bao ngin hang hoat &Ong on dinh, lien tic va c6 van ban bio coo NHNN. Ngueri duce cu dieu hanh ngin hang phai chju trach nhiem ca nhan doi vai nhiem vv duqc giao trong the gian dam nhin nhiem vv nayes.
4. Trong than han tai da sau muoi (60) ngay ke to ngay Tang giam dac bj ducmg nhien mit tu cach Tang giam dac hoc Wei clang quan trj nhin duac don xin tir dire dm Tang giam dec, Wei ding quan trj phai tim ngutri thay the va tien hanh cac tha tic ba nhiem Tang giam d6c mai theo quy djnh cua phap Ludt va NHNN.
5. Tnrang hap Tang giam dac bj ca quan quan ly nha au& xac di/1h co &Au hieu vi plum nghiem trong quy dinh cua phap Ludt, cua NHNN va Dieu le nay, Wei ding quan trj c6 quyen tarn dinh chi quyen dieu hanh cua Tong giam doc, dong than phai cu ngay met Ph6 Tang giam dac dieu hanh hoat deng Ngan hang darn bao ngin hang hog clang on djnh, lien tic va co van bin bao coo, de xuit xnr ly &Si vai nhang sai pham cua Tang giam dac giri NHNN giai quyet theo quy dinh hien hanh.
6. Trong thei gian Tang Om dOc chua duce bo nhiem, Chit tjch Hei dong quail trj va cac thanh vien Hei ding quan trj, Tnrang Ban kiem soot va cac thanh vien Ban kiem soot hoan toan chju trach nhiem twat phap ludt, truac ca dong ve mai hoat deng cua Ngfin hang.
Dieu 53. Quyen, nghia vy cua 'fling giant dic"
1. To dirk thuc hien Nghj quyet, quyet djnh cua Dai hei clang ca (tong, Hei clang quan trj.
cac van. de.thuec _thiirLquyen lien quan den hoot dOng kinh doanh hang ngily cua Ngin hang.
3. Thiet lip, duy tri hg thong kiem soot nei be hog (Ring c6 hieu qua.
4. Ldp va trinh Hai dong quan tri thOng qua hodc de bio coo cap c6 thim quyen thong qua bdo coo tai chinh. Chju trach nhiem ve tinh chinh xac, trung chic cua bao coo tai chinh, bdo coo thing ke, s6 lieu quyet tont va cac thong tin tai chinh khac.
5. Ban hanh theo thArn quyen quy che, quy djnh nei quy trinh, thu tic tac nghi'ep de van hanh hg thong dieu hanh kinh doanh, hg thong thong tin bao coo.
4$ Diita 21 Thong tu. 06/2010/TT-NHNN. 69 Diiu 49 Lu$t Cac tO chirc tin dung.
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6. Bao cao HQi ding quan trj, Ban kiem soat, Doi hei ding ce (long va co quan nha nut c c6 thAm quyen ye hoat deng va ket qua kinh doanh cua Ngan hang.
7. Quyet djnh ap dung bien phap vuot thAm quyen cua mirth trong tnrtmg hop thien tai, djch h6a hoan, sir c6 va chju trach nhiem ye quyet djnh do va kip thtri bao cao Nei ding
quan trj.
8. Kien nghj, de xuAt co tau to chirc va hoat deng cua Ngan hang trinh Nei ding quail trj ho4c Dai hei (fang ce tong quyet dinh theo tharn quyen.
9. De nghj flei ding quail trj hop bAt thuong theo quy djnh dm Dieu le nay.
10. BO nhiem, mien nhiem, bai nhiem cac chirc danh quan ly, dieu hanh cua Ngan hang, trir cac chirc danh thuec thAm quyen quyet djnh dia Dai hei ding c6 ding, Hei ding guar' tri.
11. IC5, ket hop ding nhan danh Ngan hang theo quy dinh dia Dieu le va quy dinh nei be dm Ngan hang.
12. Kien nghj phucmg an sir dung lai nhuan, xir 1S, 18 trong kinh doanh cua Ngan hang.
13. Tuyen dung lao deng; quyet djnh lucmg, thuang cua ngtr&i lao deng theo thttm quyen.
14. Cac quyen, nghia vp khac theo quy djnh tai Dieu le nay, dm pilaf) luat (neu c6).
Chuang 12
BAN KIEM SOAT"
Dian 54. Thinh phin va nhii'm
1. Ban kiem soat thuc hien kiem loan nei bQ, kiem sok, danh gia viec chap hanh quy dinh oda phap lust, quy dinh nei be, Dieu le va Nghi quyet, quyet dinh dia Doi fuel ding co (tong, Nei ding quan trj.
2. Ban kiem soat cua Ngan hang c6 it nhat 03 thinh vien, trong do phai c6 it nhat 1/2 (met phan hai) tong s6 thanh vien la thanh vien chuyen trach, kh6ng ding thtri dam nhiem chdc
Ong viec, kliac-tai-Ngirrhang-holc- doanh nghiep-khac-.-
3. Ban kiem soat c6 be) phan giup viec, be phan kiem town nei be, &roc sir dung cac ngu6n luc cua Ngan hang, duoc thue chuyen gia va to chirc ben ngoai de thuc hien nhiem vu cua minh.
4. Nhiem kj/ dm Ban kiem soat khOng qua 05 nam. Nhiem kS, cua thinh vien Ban kiem soat theo nhiem kj, dm Ban kiem soat. Thanh vien Ban kiem soat co the duoc bau hoac bo nhiem lai v6i s6 nhiem ky khOng han che. Nhiem ky dm thanh vien duoc b6 sung hoac thay the la thtri han cdn lai cua nhiem ky. Ban kiem soat dia nhiem kj/ vira ket th6c tiep tuc hoot deng cho den khi Ban kiem soat dia nhiem mtri tiep quan ding viec.
7° Dieu 44, 45, 46, 47 Lust Cac t6 chin tin clung.
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5. Tru?mg hop s6 thanh vien Ban kiem soot giam qua mot phIn ba (1/3) ten tong s6 thanh vien ctia nhiem k$' hoac khong dii s6 thanh vien tOi thieu theo quy djnh tai Dieu le nay thi trong th6i han sau mtroi (60) ngay, ke fir ngay khong dit s6 luting thanh vien, Ngan hang phai b6 sung dit s6 luting thanh vien Ban kiem soot.
Dieu 55. Nhi8m vy va quyen han ctia Ban kiem soot
1. Giam sat viec tuan thu cac quy djnh cua phap luat va Dieu le cita Ngan hang trong viec quan tri, dieu hanh Ngan hang; chiu trach nhiem truac Dai h6i d6ng c6 dong trong viec thvc hien nhiem vu, quyen han dugc giao.
2. Ban hanh quy djnh nOi b6 ctia Ban kiem soot; djnh kj, hang nom xem xet lai quy djnh n6i b0 dm Ban kiem soot, cac chinh sach quan tong ve ke toan va bao cao.
3. Thvc hien chirc nang kiem Wan not be, c6 quyen sir dung to van d6c lap va quyen &roc tiep can, cung cap du, chinh xac, kip th6i cac thong tin, tai lieu lien quan den hoat d6ng quan ly, dieu hanh Ngan hang de thtrc hien nhiem vu, quyen han &roc giao.
4. ThAm djnh bao cao tai chinh sau (06) than diu nam va hang nom cifa Ngan hang; bao cao Dai h6i dOng c6 dong ve ket qua thim djnh bao cao tai chinh, danh gia tinh hop 1j,, hop phap, trung thuc va mdc d6 can trong trong cong tic ke toan, th6ng ke va lap bao cao tai chinh. Ban kiem soot c6 the tham khao y kien cia H6i d6ng quan trj tru6c khi trinh bao cao va kien nghi len Dai h6i d6ng c6 dong.
5. Kiem tra so ke toan, cac tai lion khac va cong viec quart 1j, dieu hanh hoat d6ng cua Ngin hang khi xet thAy can thief hoac theo Nghj quyet, quyet dinh cita Dai h6i d6ng c6 dOng hoac theo yeu cau cua c6 d6ng 16n hoac nh6m c6 d6ng 16n pha hop vai quy djnh cua Oaf) 1u4t. Ban kiem soot thvc hien kiem tra trong thei han bay (07) ngay lam viec, ke tir ngay nhan dtroc yeu cau. Trong thin han mum lam (15) ngay, ke fir ngay ket thtic kiem tra, Ban kiem soot phai bao cao, giai trinh ve &tang van de ducic yeu cau kiem tra den to chirc, ca nhan c6 y8u cau.
6. Kip thoi th6ng bao cho HOi ding quan trj khi phai hien ngtreyi quan ly Ngan hang c6 hanh vi vi pham; yeu cau ngtriyi vi pham chArn dirt ngay hinh vi vi pham va c6 giai phap khic pi itu-hiu-quarneu co. _ _
7. Lip danh sach c6 dOng sang lap, c6 (long lan va nguari c6 lien quan cua thanh vien H6i ding quan trj, thanh vien Ban kiem soat, T6ng giam d6c cua Ngan hang; km gitk va cap nhat thay d6i cua danh sach nay.
8. 13&' nghi H6i clang quart trj hop bAt thlthrig bac de nghi F161 d6ng quan trj trieu tap Dai h6i d6ng c6 dong bAt thutmg theo quy dinh dm Dieu le nay.
9. Trieu tap Dai h6i d6ng c6 clang bAt thutmg trong truang hop H6i d6ng quan trj c6 quyet djnh vi pham nghiem trong quy djnh cua phi) luat hoac vuot qua thAm quyen ducyc giao va tru6ng hop khdc theo quy djnh tai Dieu le nay.
10. Cic nhiem vu, quyen han Ichac theo quy djnh tai Dieu le nay, dm phap luat (neu c6).
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Dieu 56. Nhiern vy, quyen hyn cua Trtr&ng ban va cac thinh vien Ban luem soft
I. Nhifm vy, guy'dn hgn cua Trtthng Ban kiint sodt" :
T6 cherc trien khai thyc hien nhiem vu, quyen han dm Ban kiem soat quy djnh tai Dieu
le nay.
Chun bj chircmg trinh hop dm Ban kiem soat tren ca soy kien a xuAt cua thanh vier)
Ban kiem scat lien quan den nhiem vu, quyen han cua Ban kiem soat; trieu tap va ch6 toa mit hop Ban kiem soat.
Thay mat Ban kiem soat k5 cac van ban thuic tharn quyen cua Ban kiem soat.
Thay met Ban kiem soat trieu tap Dai hqi demg co citing bAt thuang quy djnh tai Dieu 55 dm Dieu le nay hoac de nghj Hei ding quan trj hop bat thueyng.
Tham dy cuic hop Hii dOng quan trj, phat bieu 5, kien nhimg khong eltryc bieu quyet.
Yeu cau ghi lai 5, kien cua minh trong bien ban cu6c hop Hii ding quan trj neu y kien dm mirth khac veri Nghj quyet, quyet djnh dm Hii ding quan trj va bao cao tnrerc Dai hei ding co thing.
Chun bj ke hoach lam viec va phan Ong nhiem vy cho cac thanh vien Ban kiem sok.
Bao dam cac thanh vien Ban kiem soat nhan &roc thong tin day dit, khach quan, chinh xac va c6 d6 thai gian thao luan cac van de ma Ban kiem soat phai xem xet.
Giarn sat, chi dao viec thyc hien nhiem vy duvc phan cong va quyen, nghia vy cua
thanh vien Ban kiem scat.
Uy quyen cho mOt thanh vien khac cua Ban kiem soat thyc hien nhiem Iry cua minh trong theri gian ving met.
Cac quyen, nghia vu khac theo quy djnh tai Dieu le nay, dm phap luat (neu c6).
2. Quy'n, nghia cua thanh vien Ban kiim sat
a. Tuan thin quy dinh cua phap luat, Dieu le nay va quy dinh nqi b0 dm Ban kiem scat
mit cach trung thyc, can trong vi lgi ich cua Ngan hang va cua co &Ong.
b. BAu mit thanh vien Ban kiem soat lam Tnrerng Ban kiem soat.
soat •trieu-tap Ban kiem socit-hop--hAt-thuerng.
d. Kiem soat hoat ding kinh doanh, kiem soat s6 sach ke toan, tai san, bao cao tai chinh va kien nghj bien phap khic phyc.
e. Ducrc quyen yeu du can bQ, nhan vien cua Ngan hang cung cap so lieu va giai trinh
cac hoat ding kinh doanh de thyc hien nhiem vu &rex phin
f. Bao cao Tnrang Ban kiem soat ye hoat ding tai chinh bAt thuang va chit' trach nhiem
ve danh gia va ket luan cua minh.
g. Tham dy cuic hop cua Ban kiem soat, thao luan va bieu quyet ye van de thuO,c nhiem vy, quyen han cua Ban kiem soat, trir nhang van de co xung dit ich veri thinh vien do.
71 Nu 46 Lust cac t6 chirc tin dung.
a.
b.
c.
d.
e.
f.
g.
h.
t.
J.
k.
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h. Cac quyen, nghia vki khac theo quy dinh tai Dieu le nay, cua phap lust (neu co).
3. Thanh vien chuyen trach cua Ban kiem soat, thank vien Ban kiem soat khong phai là co eking duce huemg thu lao theo quyet dinh cua Dai h6i ding di &Ong, cac thanh vien Ban kiem soat khac ducic hue:mg thO lao cong vu. Mire thu lao, thO lao cong vv cua thanh vien Ban kiem scat do Dai hii ding co ding quyet dinh. Cie thanh vien Ban kiem soat &roc dai tho cac chi phi hop 15, khac trong qua trinh thvc hien nhiem IN. Ting s6 phi cong (lucmg hoc thu lao va cac chi phi trong qua trinh thvc hien nhiem vv) tra cho cac thanh vien Ban kiem soat va so chi phi ding vv ma moi thanh vien Ban kiem soat da nhan duce neu chi tiet trong bao cao hang nam cua Ngan hang.
4. Thanh vien H6i ding quan tri, Ting giam die va cac thanh vien cua Ban dieu hanh phai cung cap tat ca cac th6ng tin va tai lieu lien quan den hoat deng cua Ngan hang theo yeu cAu oh Ban kiem soat. Thu kj, Hei ding quan tri phai dam bao ring tat ca dm ban sao chvp cac thong tin tai chinh va cac thong tin khac throe cung cap cho cac thanh vien HQi
ding quail tri ding nhu cac bien ban hop H6i ding quan tri se phai &roc cung cap cho thanh vien Ban kiem soat vao cung thai diem chimg duce cung cap cho H6i ding quan tri.
Dieu 57. Thay the thanh vien Ban kiem goat
I. Thenh vien dm Ban kiem soat se ducmg nhien bi mat to each hoc bi bai nhim, mien nhiem chirc danh theo quy dinh tai Dieu 37 va Dieu 38 dm Dieu re nay. Trinh tkr, thin tuc, hi so xin thay dii va chudn y viec bdu, bi nhim, mien nhiem, bai nhiem Tnremg ban va cac thanh vien Ban kiem soat throe thvc hien theo quy dinh cua NHNN.
2. Trong thai han khong qua mueri lam (15) ngay ke tit ngay Truerng Ban kiem soat bi throng nhien mat to each thanh vien Ban kiem soat, cac thanh vien Ban kiem scat co trach nhiem to chirc hop Ban kiem soat de bdu met thinh vien Ban kiem soat (du tieu chuan, dieu kien theo quy dinh hien hanh) lam True:mg Ban kiem soat. Tnrtmg hop kh6ng ce) thanh vien Ban kiem soat la co ding, cac thanh vien Ban kiem soat con lai cir m6t thanh vien dam bao tieu chudn dao dire nghe nghiep, nang lvc dieu hanh va trinh de chuyen mon theo quy dinh cua NHNN tam thclri dam nhiem ding viec cua Inkrng Ban kiem soat va de nghi H6i ding quan tri trong thai han sau muoi (60) ngay (ke tir ngay Truing Ban kiem soat bi dtrcmg nhien-rust-tu cach.)..tienbantuzib_tap Dai h6i ding co dung a bdu bi sung thanh vien Ban kiem soat trong so cac co &Ong cua Ngan hang thay the va tien hanh thti Truerng Ban kiem soat.
3. Truemg Ban kiem soat muin to chirc Tnremg ban, phai co don girl den Hei ding quan tri va Ban kiem soat. Trong thai han sau mucri (60) ngay ke tir ngay nhan don, Ban kiem soat phiti to chic hop de xem xet quyet dinh va tien hanh cac thO toe mien nhiem, bAi nhim va btu Tnrang Ban kiem soat theo quy dinh hien hanh. Truing hop cac thanh vien Ban kiem soat con lai khong phai la co ding, trong thai han sau muoi (60) ngay (ke to ngity nh4n din xin tit chirc Tnremg Ban kiem soat), Ban kiem soat phai de nghi Hei ding quan tri trieu tap Dal hii ding co ding de quyet dinh so thanh vien Ban kiem soat phO hop v&i
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quy djnh cira Dieu le nay va bAu thanh vien Ban kiem soat trong so cac ce &Mg cua Ngan hang, sau dd tien hanh thu tuc bAu Truemg Ban kiem soat.
4. Thanh vien Ban kiem soat mudn tii chirc phai cd dam girl den Hai ding quan tri va Ban kiem soat de trinh Dai hei dang cd dong gin nhAt quyet djnh.
5. Tnrtmg hop bj giam qua met phAn ba se thanh vien Ban kiem soat teen tong so thanh vien cua nhiem ky hoac kh8ng du so thanh vien Ban kiem soat tdi thieu theo quy dinh cua Dieu le nay, trong thai han kh8ng qua sau nnrai (60) ngay ke tir ngity Ichong dir so thinh vien Ban kiem soat theo quy djnh, Ban kiem soat phai de nghj Hai ddng quan trj trieu tap hop Dai hei dOng cd d6ng de bAu bd sung thanh vien Ban kiem soat.
6. Trong cac tiring hop khac, cuec hop gin nhAt cua Dai hei ddng co dOng se bAu thanh vien Ban kiem soat mai de thay the cho thanh vien Ban kiem soat bj mien nhiem, bai nhiem hoac b6 sung nhang thanh vien con thieu.
. Dieu 58. CuOc h9p ctia Ban luem soat
I. Cs* hpp Miran 10: Ban kiem soat hop djnh 1(5, it filiat mOi qu5, met lin va có the dirorc trieu tap hop bAt thuang de kjp thai giii quyet nhang cong viec det xuAt.
2. Cuk hpp Bat thurYng: Cuec hop bAt thuang dm Ban kiem soat &roc tien Mph theo de nghj
a. Chu tjch Hai (ing quan trj;
b. it nhAt hai phAn ba so thanh vien Hai ddng quan trj;
c. Luang Ban kiem soat;
d. It nhAt hai phAn ba so thanh vien Ban kiem soat tra len;
e. Ring giarn ddc hoac ngireri khic do Dieu le quy djnh;
f. Giam ddc NHNN Chi nhanh Tp. HO Chi Minh.
3. Trong thyi han miroi lam (15) ngay, ke tir ngay nhan dirge van ban de nghi hop Ban kiem soat bAt thuang dm met trong cac ddi wan neu tai diem a, b, d, e, f cua khoan 2 Dieu nay, Tnrerng Ban kiem soat phai trieu tap va tien hanh cuec hop Ban kiem soat bAt thtrang. Tnremg hap sau hai lin de nghj ke tiep ma Tnrang Ban kiem soat khong tfitu tap cuec hop Ban kiem soat, Hei ddng quail trj va cac thanh vien Ban kiem soat phai ca ngay van ban bao cao NHNN Chi nhanh Tp. H6 Chi Minh va tien hanh hop Ban kiem soat de xir ly
cong viec dong theri quyet djnh viec mien nhiem, bai nhiem chlic danh Tnremg Ban, bau met thanh vien Ban kiem soat dam bao cac dieu kien giu eh& danh Truemg Ban, trinh NHNN chuAn y theo dung quy djnh hien hanh, hoac quyet djnh to chile Dai hei ding CO dOng bAt thuang de xir lj, nhang ton tai, vuemg mac chua the giai quyet (neu cd).
4. Dia eliim hpp: Cac cuec hop Ban kiem soat 0 dirqc tien hanh 6 dja chi dang kj, cua Ngan hang.
5. ThOng bdo va Charing trinh hpp: CuOc h9p Ban kiem suit &pc tien hanh sau nttm (5)
ngay ke tir ngay gin thong bao cho clic thinh vien Ban kiem snit. Thong bac) ve cuec hop
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Ban kiem soat dtrqc lam bang van ban tieng Viet, trong do neu r8 ve: chtrcmg trinh hop, thai gian, dja diem va phai &rot kern theo nhang tai lieu can thiet ve nhang vAn de se &pc ban bac va bieu quyet tai cuac hop Ban kiem soat va ca cac phieu bAu cho nhiing thanh vien Ban kiem soat khong the dkr hop. Nhang thinh vien Ban kiem soat nay se giri phieu bAu cho Ban kiem soat tnrac khi hop.
6. Std thanh vien tham du yea Cuac hop Ban kiem soat dtrqc tin hanh khi c6 tir % (ba pi 'tan ttr) tang so thanh vien tar len dor hop. Tnrang hqp khong trirc tiep cikr hop, thanh vien Ban Kitm soat c6 quyen fly quyen bieu quyet cho mat thinh vien Ban Kiem soat khac hodc giri y kien bieu quyet bang van ban. Tnr&ng hop bieu quyet bang van ban, phieu bieu quyet phai dkrng trong phong bi kin va phai dtrqc chuyen den chti toa cuac hop-Ban Kiem soat chasm nhAt 01 gib trtrac gib khai mac. Phieu Neu quyet chi dtrqc ma tnrac su chimg kien cua tat ca nhang thanh vien trkrc tiep dv hop.
7. Bib quyk:
a. Moi thanh vien Ban kiem soat tham dkr cuac hop Ban kiem soat se co mat phieu bieu quyet tai cuac hop Ban kiem soat. Neu thanh vien Ban kiem soat !thong thE tham dor cuac hop thi co the ity quyen bieu quyet caa minh bang van ban cho mat thinh vien Ban kiem soat khac (la d6i tuqng dtrqc phep tham gia bieu quyet) thkrc hien bleu quyet thay.
b. Thanh vien Ban kiem soat co quyen ion lien quan tcii vAn de duric Qua ra Ban kiem soat quyet djnh se khong daqc phep tham gia bleu quyet dai vii vAn de do va khong thrqc tinh vao so luorng dai bleu yeu cAu có mit tai cuac hop, ding thai ding khong dtrorc nhan uji quyen caa thanh vien Ban kiem soat khac de tham gia bieu quyet vAn de d6.
c. Neu c6 nghi ngb nao nay sinh tai mat cuac hop lien quan den quyen lqi ctia thanh vien Ban kiem soat hodc lien quan den quyen duqc bleu quyet cua thanh vien Ban kiem soat va nhung nghi ner do khong duqc thanh vien Ban kiem soat d6 t%r nguyen giii quyet bang cach chAp thudn tir bo quyen bieu quyet, thi nghi ngar do se dtrqc chuyen tai Chit toa cua cuac hop. Phan quyet cua Chi" toa se co gia tri cuOi ding va c6 tinh ket ludn trir tnrang hop khi ban chat hodc mirc da quyen ton caa thinh vien Ban kiem soat
------ca lien-quart do chua cluqc biet rd.
d. BAt 4 thanh vien Ban kiem soat nao co lien quan den mat hop (long thrqc neu trong khoan 1, DiL 120 ciia Luat Doanh nghiOp hodc cac nai dung tucmg tir tai /Mang van ban ke thira Luat nay va cac van ban huerng dAn khac se ducc coi la c6 quyen lqi vat chit dOi yeti hqp ding do.
8. Twin quy'n 10: Thanh vien Ban kiem soat neu theo stir hieu biet ctia minh thAy co lien quan du là trvc tiep hay gian tiep teri mat hqp ding, mat thoa thu4n hay mat hqp ding d,r kien hodc mat thoa thuandkr kien giao ket veri Ngin hang phai khai bao ban chit quyen loi lien quan tai cuac hop Hai ding quin tri va cuac hop Ban kiem soat, tai day Hai ding quitn trj va Ban kiem soat se xem xet viec co giao ket cac hqp Clang hodc them thwan do kheong, neu nhtr sau nay mdri biet ve sv ton tai quyen lqi do dm mini' hay trong bat dr
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truang hap nao khac, thanh vien do phai thong bao tai cuOc hop gan nhAt cua 1-10i d6ng quan trj va cuOc hop gan nhAt cua Ban kiem soat sau khi thanh vien d6 biet dtrac da c6 quyen lori lien quan.
9. Batt quyk da Quyet djnh dm Ban kiem soat dtrac thong qua neu duac da s6 thanh vien Ban kiem soat c6 quyen tham gia bleu quyet du hop chip thuan. Tnri!mg hop s6 phieu ngang nhau thi quyet djnh cu6i cimg thuOc ve phia coy kien cua Tnrang Ban kiem soat hoac thanh vien Ban kiem soat &Jac Ban kiem soat by quyen Chu up, cuOc hop (truang hqp TnrOng Ban kiem soat yang mat).
—10. Truemg hap Ban kiem soat lAy y kien bang van ban de thong qua quyet djnh ve mut van de thi quyet djnh duac coi la co gia trj tuang ducmg vai mgt quyet djnh duac thong qua boi cac thanh vien Ban kiem soat tai mgt cuOc hop duac trieu tap va to chin thOng thuang, neu:
a. Duac su nhAt tri bang van ban dm da s6 cac thanh vien Ban kiem soat c6 quyen tham gia bieu quyet d6i vari van de dtra ra xin y kien;
b. S6 luorng thanh vien Ban kiem soat c6 quyen tham gia bieu quyet bang van ban phai dap img duac dieu kien ve s6 luting thanh vien bat buOc phai c6 de tien hanh hop Ban kiem soat.
11. Bien ban: CuOc hop Ban kiem soat phai &lac ghi day du vao so bien ban. Bien bin hop Ban kiem soat ducyc lap bang tieng Viet va phai duqc tat ca cac thanh vien Ban kiem soat tham du cuOc hop kj, ten va phai lien dO-i chju trach nhiem ve tinh chinh xac va trung thuc cua Bien ban. Chit toa cuOc hop co trach nhiem b6 tri lap va giri Bien ban cu is hop Ban kiem soat cho cac thanh vien Ban kiem soat va Bien ban do se ducrc coi la nhang bang chirng mang tinh ket Juan ve cong viec tien hanh tai cac cuOc hop do, trir truang hqp c6 nhQng khieu nai lien quan den nOi dung dm Bien ban do trong thbri han muai (10) ngay ke tir ngay giri Bien ban.
Chtrcrng 13
CO CA11 T6 CHirC CI:JAAGAN-HANG
Dieu 59. Ca dm to chkc cua Nein hing72
1. Co cau to diem cua Nein hang bao gam cac thanh phan sau:
a. Tru sa chinh (HOi so);
b. Cac chi nhanh, van phong dai dien, cac dam vj su nghiep, cac cong ty con;
c. Cac phang giao djch, diem giao djch, quy tiet kiem.
2. Ngan hang ducfc pile!) ma cac Chi nhanh, Van phong dai dien, don vj su nghiep, cac cong ty con khi c6 nhu cau then quy djnh cua NI-INN. Ca cau to chirc cua cac don vj tren se do HOi ding quan trj quy djnh phil hap vai quy djnh cua phAp luAt.
Dieu 30 Li4t cac Id chin tin dung.
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Dieu 60. Co. ciu to chin dm Try sb. chinh
Try so chinh bao g6m cac thanh phAn sau:
1. HOi dong quan trj;
2. Ban kiem soat;
3. Tong giam d6c.
Dieu 61. BO may giap vqc ctia Tting gigm din
1. Cac Pho T6ng giam d6c va cac chic danh Wong ducrng;
2. Ke toan true:mg;
3. Cac Phong, Ban, BO phan truc thuOc;
Chuang 14
QUYEN DIEU TRA SO SACH VA HO SO NGAN HANG
Dieu 62. Quyen (lieu tra so sach va ho so
1. Co thing ion ducrc quyen trot tiep hoc qua luat su hoc nguai ducc uSt quyen, bang mot yeu du bang van ban, thAni tra danh sach cac CO dong cua Ngfin hang va cac bien bin dm Doi hOi d6ng ca dOng trong gia lam viec tai try sa kinh doanh cua Ngan hang va sao chop hoc trich loc cac h6 so do. MOt yeu cAu ctia nguai dirge uy quyen phai ducrc kern theo gialy Cry quyen cua c6 &Ong ma ngutri d6 d i dien hoAc mot bin sao cong chting ctia giay fry quyen nay.
2. Thanh vien HOi ding quan trj, thanh vien Ban kiem scat, T6ng giarn d6c va cac thanh vien Ban dieu hanh khac co quyen kiem tra so cai cua Ngan hang, danh sach co dong va nhCmg so sach va h6 sa khac cua Ngan hang vi nhang moc dich lien quan tori nhiEm vo, quyen hon cua minh vai dieu kien cac thong tin nay phai &lac bao mat.
3. Ngan hang se phai ltru Dieu 1E nay va nhang ban sira doi, 13.• sung caa no, GiAy thani lap va oo orgTOtaychang-ithajv' ilang-k5t-cloanh_nghiEpak_quy chk, cac tai liEu chirng minh quyen s& hay doi ven cac tai san, cac bao cao tai chinh hang nAm dA &rot xac titian ctia Kiem toan dOc lap , bien ban hop Doi hOi dOng ca dong va HOi ding quan trj, cac bao cao cila Ban kiem soat, sa sach ke toan va bAt cir giAy to khic theo quy djnh cira phap luat toi try str chinh hoc mot not khac trong dja ban hoot d'Og cda try sa chinh yen dieu kiln la cac c6 dong va co quan (tang k$, kinh doanh ducrc thong bac, ve dia dikm luu
trU cac giAy to nay.
4. MOi co dong se c6 quyen than duoc mot ban sao Dieu le nay mien phi. Dieu IE se &pc cong b6 tren Website caa Ngan hang.
Chuang 15
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NGUIJI LAO KING VA CONG DOAN
Dieu 63. Nguiri lao clang vi cong doin
T6ng giarn dOc phai xay dung Quy the lien quan den viec tuyen dung, thu8 rntrein lao dOng, buac thoi viec, lucrng, bao hiem xa hOi, phdc lqi, khen thuemg va ky lust dOi yen ngueri lao ding cda Ngan hang cung nhu quan he cda Ngan hang vOi to chdc CON doin, de bio cao H6i dOng quail tri xem xet va trinh Dai h6i dOng Co (long thong qua.
Chtrofng 16
PHAN CHIA LciI NHU ,AN
1 X Dieu 64. Co tirc
I. Ngan hang chi dugc tra ca tirc cho ca (long khi kink doanh co lai, da hoan thanh nghia vv ntp thus va cac nghia vu tai chinh lchic theo quy dinh cua phap luat.
2. Theo quyet dinh cua Doi h6i dOng co dOng va theo quy dinh cua phap lint, co tdc se dugc cong 1)6 va chi tra tir lvi nhuan can lai ctia Ngan hang nhtmg khong dugc vugt qua mdc do Hai ding quan tri de xuat tr8n ca set trung thuc sou khi da lay y kien cac Co (long tai Dai hai dOng c6 (long. flei ding quart tri phai lap danh sach CO &Ong dugc nhan co tirc, xac dinh mdc c6 tdc dugc tra dOi vOi tirng co phan, thbi han va hinh thdc tra, cham nhit ba mucri (30) ngay truck rtuli lan tra ca tdc. Th6ng bac ve tra c6 tirc phai dugc cong khai gin din tat ca cac CO dong , ch#rn nhat mutri lam (15) ngay truck khi thuc hien tra c6 ThOng bao phai ghi r6 ten Ngan hang, ten va dia chi dm CO dong, so co plan tirlig loaf cda CO dOng, mdc c6 tirc dOi vOi timg loaf co phan va tong so c6 tirc ma CO (long do dugc than, th&i diem va phuong thdc tra c6 tdc.
3. Nein hang se khong tra lai suAt cho bat cir co tirc hay mat khoan tien nao khac co the I dugc chi tra lien quan ten mit co phieu.
4. BAt cir c6 tirc hay nhang khoan tien khac dugc chi tra bang tien mat co lien quan teri met
p .1 itrcic vcluenbing fierid6nffiet Nam va co the dugc thanh twin bang sec hoac lenh tra tien gtri qua btru dien toti dia chi da dang ky cda co dong thy hating va co dOng do phai chiu rui ro. Ngoai ra, bAt ky co tirc hoac cac khoin tien khac dugc chi tra bang tien mat CO lien quan tai mat ca phieu co the dtrqc thtrc hien bang chuyen khoin ngan hang khi Ngin hang da dugc cung cap chi tiet ve ngan hang cda co dong nham cho phep Ngan hang thvc hien dugc viec chuyen khoin titan khoin tien do truc tiep vao di khoan tai ngan hang caa co (long. Ngan hang se khOng bi truy dai dOi veri bAt ky khoin tien nal) dugc Ngin hang chuyen bang chuyen khoin ngin hang nhung co dong thu htremg khong nhan dugc neu Ngan hang da chuyen khoan theo diing cac thong tin chi tiet ye ngan hang do chinh ca dong do cung cap.
5. Nhang nguai da chinh thdc dang k5, c6 phieu hoac cac chi:mg khoan khic co quyen nh#n co tirc, khoan phan b6, khoin chia, thong bao hoac tai lieu.
Ve 1 •
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6. C6 dung chuyen nhuqng co phAn cua minh trong thari gian tir ngay ket thfic lAp danh sach c6 (long duqc nhAn co tirc den ngay tra c6 tirc, thi ngtrai chuyen nhucrng se IA nguari nhki c6 tirc tir Ngan hang.
Chiron 17
HE THONG KIEM TOAN NQI BQ, HE THONG KIEM TRA
KIEM SOAT NQI BQ, QUi 7 D1T TRU', NAM TAI CHINH,
HE THONG Kt TOAN
Dieu 65. Hi' th6ng kiem twin nifd b§73
1. Kiem toan nOi bO cua Ngfin hang duor to chirc thinh he thong th6ng nhAt theo nganh dac, la don vi chuyen trach, thirc hien hoat dOng kiem toan b4 cua Ngan hang va trqc thuOc, chju stir chi dao tzvc tip dm Ban kiem soat.
2. Kiem toan nOi bO thqc hien ra scat, danh gia dOc lip, khach quan d6i yeti he' thong kiem soat nOi danh gia dOc 1A'p ve tinh thich hqp va stir tuan this quy djnh, chinh sach nOi bO, thiz tpc, quy trinh da duqc thiet lAp trong Ngan hang; dua ra kien nghj nham rang cao hieu qua cua cac he thOng, quy trinh, quy dinh, g6p phAn bac dam Ngan hang hog dOng an toan, hieu qua, dung phap luAt.
3. Ket quA kiem toan nOi bO phai duvc bao cao kip thai cho HOi d6ng quan trj, Ban kiem scat va giri T6ng giam d6c cua Ngfin hang.
4. Can quy mo, intic dO va dAc diem hoat dOng cua Ngan hang va tren ca ser de nghj cua Ban kiem soat, HOi deng quan tri quyet djnh to chirc bO may dm kiem toan nei bO, the de luong, thuang, phu cap trach nhiem cua nguai lam cong tac kiem toan nOi bp.
Dieu 66. net' chain, b6 nhqm, mien nhqm d c chin danh cua kiem toan n6i 474
1. Kam loan vier: qi b() phcii co du cac lieu chuan sew:
a. Co pham chit trung thvc, y thtic chip hanh phap luAt va stir nhin nhAn khach quan;
b. Co kiAn thirc, hieu biet chung ve phap 1u4t, ye quail tri kinh doanh va cac nghiep vtit
ngan hang;
c. Co bang cir nhan cac chuyen nganh ph6 hqp, co kien thirc dAy du va luon duqc cAp nh'At ve cac link v,rc dugc giao thqc hien kiem toan nei b6';
d. Co kha nang thu thap, phan tich, danh gia va tong hap thong tin;
e. CO kien th6c, ky nang ve kiem toan nOi bO;
f. Cac tieu chuAn khac do Ngin hang quy dinh.
73 Dieu 41 Lu4t Cac tti chic tin clung. 74 Dieu 13, Dieu 14 Thong to 44/2011/TT-NHNN.
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Ngoai cac dieu kien tieu chuan not tren, Twang Kiem toan nei be va Ph6 throng Kiem toan nei be, tei thieu phai c6 bang cir nhan thuec cac chuyen nganh ngfin hang, kinh te, tat chinh va c6 kinh nghiem lam viec trong linh vkrc ngfin hang t6i thieu la 03 (ba)nam.
2. Bj nhiem, mien nhiem cac chirc danh cua Kiim loan nQi 11"0
Tn.reyng kiem toan nei be cua Ngfin hang do Nei d6ng quart trj Ngan hang be nhiem, mien nhiem theo de nghj cua Tnr&ng Ban kiem soft. Pho truerng Kiem toan nei N va cic,chirc danh khac kiem toan nei do Hei dOng quart trj be nhiem, mien nhiem theo de nghj cua Truerng Kiem toan nei
Dieu 67. Trich nhiEm cua BO phin Kiem twin nOi br
1. Lap ke hoach kiem toan nei N hang nam va that hien cac hoat deng kiem town nei be theo ke hooch, cac chinh sach, quy trinh va thit tuc kiem toan nei be da ducrc phe duyet, dam bao chat luting va hieu qua.
2. Kiem tra, ra soot, danh gia met cach dec lap, khach quan doi vOi tAt ca cac don vi, be phan, cac hoat deng cua Ngan hang (co che, chinh sach, thu tuc, quy trinh ho4c cac van de trong hoat Ong) dua tren mint de rui ro (cao, trong birth hoc thap) va mire de anh htrang den hoat dOng cua Ngfin hang. Doi voi tAt ca nhang van de c6 the c6 anh twang Au den hoot de'ng cua Ngan hang, kiem toan nei N can thong bao kip thai ve ban chat va lath twang dm chung doi voi hoot Ong cua Ngan hang va dui ra nhQng khuyen nghi thiet that nham ngan ngira, khic phuc nhang van de nay.
3. Kien nghj cac bier' phap sira china, khic phuc sai set; kien nghj xir ly nhang vi pham; de xuAt cac bien phap hoan thien, nang cao hieu lac, hieu qua dm hg thtmg kiem tra, kiem scat nqi N.
4. Dinh gia mire de phi hop cua cac hog dOng nham ngan ngira, khic phuc nhang diem yeu a throe bac) cao; cac hoot dOng nham hoan thien he thtmg kiem tra, kiem soot nei be; va theo clOi cho den khi cac van de nay ducrc xir ly them, ding.
5. Lap bdo cao kiem toan; thong bac) va de trinh kip tilt:6 cac ket qua kiem toan nei be cho cac ben hat quan trong va ngoai Ngan hang theo dung cac chinh sach, quy trinh, quy djnh cua Ngfin hang va theo phip luat.
6. Phat trien, chinh sirs, b6 sung, hoan thiEn phuong phap kiem toan nei be va pham vi hoot deng cua kiem toan nei be de c6 the cap 'that, theo kip su phat trien cua hoat deng ngan hang.
7. Thuc hien quy trinh dam bao chat luting tong tic kiem toan nei be.
8. Thiet lap h6 so ve trinh de nang lkrc va cac yeu eau can thiet dei yen kiem toan vien nei bq de lam co so tuyen dung, de bat, luan chuyen can N va boi darn chuyen mon nghiep vu; Lap ke hoach va to chirc dao tao met cach lien tuc nham nang cao va dam bao nang lac chuyen mon cho kiem toan vien nei
" Eliku 18 ThOng to 44/2011/11'-NHNN.
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9. Duy tri viec tham vAn, trao dei thuerng xuyen yeti to chirc kiem toan dec lap, Thant' tra NHNN nham dam bao hop tic có hieu qua; la dcrn vj dieu phOi, phi hop vai cac co. quan ben ngoai d6i voi nhting cong viec co lien quan den chirc nang, nhiem vtr cua kiem toan nei be.
10. Tu van cho Ban dieu hanh, Hei ding quan trj va cac by phan nghiep thi,rc hien cac der an xay dung, ap dvng mai hay sira dOi &tang quy trinh nghiep vo quan trong; co the quan trj, dieu hanh; quy With nhan clang, do luerng danh gia nii ro, quan l$1 rui ro, phucmg phap dinh gia vein; 4 thOng thong tin, hach toan, ke toan; thtrc hien cac nghiep vv, san pharn mai vol dieu kien khong anh huong tai tinh dee lap cua kiem toan nei be.
11. Bao mat tai lieu, thong tin theo dung quy djnh phap luat hien hanh, quy dinh cua Quy the nay, cua Dieu le va cua Quy the nei be ye kiem toan nei be cua Ngan hang.
12. Chju trach nhiem truck Ban kiem scat ve ket qua cong viec kiem toan nei be, ve nhQng danh gia, ket luan, kien nghj, de xuAt trong cac bao coo kiem toan npi bp.
13. Theo dai ket qua thirc hien cac kien nghj sau kiem toan nei N cua cac don vj, be phin thuOc Ngan hang.
Dieu 68. Quyen han cua BO ph4n Kiem toin ntil bQ
Duvc trang bi day du cac nguOn lot (nhan luc, tai chinh va cac phucmg tien khac) can thiet.
Ducfc chit deng thtrc hien cac nhiem vv cua minh the() ke hooch kiem toan da &roc phe duyet.
3. Ducic cung cap day du, kip thari tAt ca cac thong tin, tai lieu, h6 so can thiet cho c8ng tic kiem toan nei
4. Ducic tiep can, xem xet tAt ca cac quy trinh nghiep vii, cac tai san }chi thvc hien kiem toan nei be.
5. Duot tiep can, ph6ng van tAt ca cac can be, nhan vien cua Ngan hang ye cac van de lien quan den n8i dung kiem wan.
6. Duct tham der va duorc nh—an cacThieicbariltop-cila ban lanh-dao-co-lien quan-den-cang---- vi'ec cua kiem toan n8i
7. Duvc giam sat, danh gia va theo dOi cac hog dOng sira china, khic phuc, hoan thin cua lanh dao cac don vj, b6 ph4n d6i veri cac yin de ma kiem toan nqi b8 da ghi than va co khuyen nghi.
8. Cac quyen han khac theo quy dinh cua phap luat va htz6ng don cua NHNN.
Dan 69. Elf thOng kiem tra, kiem snit nQi br
76 Ditu 5 Thong to 44/2011/rT-NHNN.
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1. Ngan hang thiet lap he th6ng kiem tra, kiem soat nei be gitip T6ng giam dOc dieu hanh thong suit, an toan va dung phap luAt moi hoat Ong nghiep vu cua Ngan hang.
2. He th6ng kiem soat nei be la tap hop cac co che, chinh sach, quy trinh, quy djnh nei be, co ciu to chirc cua Ngan hang duoc xay dung pith hop vii huang dan cua NHNN va &roc t6 chirc thuc hien nharn bao dam phong ngira, phat hien, xir ly kip thoi rui ro va dat ducrc yeu cau de ra.
3. Co che kiem tra, kiem soat nei be &rot thiet ke, cai Qat, to chirc thkrc hien ngay trong moi quy trinh nghiep vv, tai tit ca cac don vi, be phan cua Ngan hang.
4. Nem hang thutmg xuyen kiem tra, kiem soat viec chip hanh phap lust va cac quy dinh nei b6; tnrc tiep kiem tra, kiem soat cac hoat d6ng nghiep vu tren tit ca cac linh vkrc tai tru
chinh, chi nhanh, van phong dai dien, don vi skr nghiep va cac ding ty con.
Dieu 70. Cie yeti ciu vi nguyen tic hoat dOng cua hg thong iciem tra, kiem snit nOi b0"
I. MO rui ro c6 nguy co gay anh tiding xiu den hieu qua va muc tieu hoot deng cua Ngan hang deu phai duoc nhan clang, do luting, danh gig met cach thdrng xuyen, lien tkic de kip thoi phat hien, ngan ngira va co bien phdp quan ly rui ro thich hop. Moi khi cif) sv thay dOi ve cac muc tieu kinh doanh, cac san phirn dich vu va cac hoat d6ng kinh-doanh mai. Ngfin hang phai ra soat, nhan clang cac rui ro lien quan de xay dung, sira doi, b6 sung cac co. che, quy trinh, quy dinh kiem tra, kiem soat nei be pha hop.
Hoot deng kiem tra, kiem soat nei 1)6 la met phAn kheing tich roi cua cac hoat deng hang ngay cua Ngan hang. Co che kiem tra, kiem soat nei be duoc thiet ke, cai dOt, t6 chin th‘rc hien ngay trong moi quy trinh nghiep vu, tai tit ca cac don vi, by phan cua Ngan hang theo quy dinh cua phap lust, cua NHNN va quy djnh nei be.
3. Co che phan cap Uy quyen phai duoc thiet lap, thvc hien met cach hop ly, cu the, ra rang, trarth cac xung det lqi ich; dam bao met can b6 khong dam nhiem ding met luc nhang cuing vi, nhiem vu c6 muc dich, quyen loi mau than hoc ch6ng cheo yen nhau; dam bac) MO can be trong Ngan hang thong co dieu kien de thao tong hoot Ong, bung bit thong tin phuc vu cac muc dich ca nhan hoc che diu cac hanh vi vi pham quy dinh cua phap lust va quy dinh nei
4. Dam bao chap hanh che de hach toan, ke toan theo quy djnh va phai c6 he' th6ng thong tin nOi be ye tai chinh, ve hoat deng, ve firth hinh tuan this trong Ngan hang va tinh hinh kinh te, thi truOng ben ngoai hop 15,, tin cay, kip thei nham phuc vv cho ding tac quan trj, dieu haat co hiu qua.
5. He thiing th6ng tin, tin hoc cua NI* hang phai duoc giam sat, bao ve met cach hop ly, an tan va phai c6 co che quan ly du phOng dec lap (back-up) nham xu ly kip tinii nherng tinh hu6ong bit ngar nhu thi8n tai, chay, n6... de dam bao hoat deng kinh doanh thiremg xuy8n, lien tk.ic cua Ngan hang.
77
Diu 4 Thong to 441201 I frT-NHNN.
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Com Wt Ip ION (00 0,,0(
6. Ngan hang ban hanh cac quy djnh nOi bq vE trach nhiEm cua can b0, nhan vien Nein hang trong hoot &Eng kiEm tra, kiEm soit cua Ngan hang theo quy djnh cua phip luat.
Dieu 71. Cite di) Tai chinh78
1. Ngin hang chap hanh the dq tai chinh theo quy dinh cita Chiral phi vi hue:mg dln cua BE Tai chink
2. Bao cao quyet town hang nam phai thuc hiEn theo diing quy djnh cua phap luat vi cua
NHNN. SO liEu trong bao cao phai dim bao tinh trung thuc, khach quan tinh hinh hoot
dOng cua Ngan hang cho dEn thai diEm lap bao cao.
Dieu 72. Sir dung VOn
1. Ngan hang dugc sir dung von de phuc vu hoot dOng kink doanh, dau to xay dgng, mua sirn tai sin c6 djnh theo quy dinh cua phi') luat.
2. Ngfin hang dugc quyen thay doi ca cau von vi tai sin phuc vu cho viEc phai trien hoot
ding theo quy djnh cua phap luat.
3. Ngan hang dugc dieu dOng von vi tai sin gina cac cong ty con ct to cach pilaf) nhin hitch
town dOc lap.
Dieu 73. Mua, ditu ttr vio tai sin co dinh"
Ngan hang dugc mua, dau to vao tai san c6 djnh phuc vu Ulm tiEp cho hoot Ong khong
qua 50% vein dieu Ig vi quy du trd b6 sung von diEu 1g cua Ngan hang.
114 Dieu 74. Cic Quj Dv trii- 5
IEI Ngan hang dugc trich tir Iii nhuan sau thue de 14 vi duy tri cac guy du tra sau:
1. Quy du tri bO sung von diEu 1g dugc trich hang nam theo tj, 1E' 5% lqi nhuan sau thue, c'
mirc toi da cua quy nay khong dugc vtrat qua mix von dieu lir Ngfin hang;
2. Quy du phong tai chinh;
3. Cac quy du tril khac theo quy djnh cua phap luat.
Ngan hang khong dugc &mg cac quy not tree de
nhuan cho cac c6 dong.
Dieu 75. Tv chti ve tai chinh cast Nein hang
Ngin hang to chti ve tai chinh, tkr chin trach nhi01 ve hoot dOng kinh doanh cua minh, thuc hiEn nghia vu vi cac cam ket cua minh theo quy dinh cua pita') luat.
Dieu 76. Ke twin vi Thues°
71 Dieu 136 Ludt Cflc t6 chirc tin dung. 71 Dieu 140 Luitt Cic t6 chirc tin dung.
" Dieu 137, Dieu 138 Luat Cac t6 chirc tin dung
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1. Ngan hang thtrc hien the d6 ke toan, th6ng Ice theo quy dinh cua phap luat.
2. Nam tai chinh cua Ngan hang bit dAu tar ngay 01 thing 01 va ket thuc vao ngay 31 thing 12 nam throng lich. Nam tai chinh &Au nen bit dAu ke tar ngay &roc cap GiAy chirng night Bang ky doanh nghiep va ket thuc vao ngay 31 thing 12 ding nam.
3. Ngan hang phai lap s6 sach ke tan bang tieng Viet, phai lop so ke toan theo loai hinh kinh doanh. Cac so sach do phai chinh xac, cap nhat, cO he th6ng va dit de chting minh va giai trinh cac giao dich.
4. Ngan hang thtrc hien hach toan theo he thong tai khoin ke toan do NI-INN quy dinh.
Chuang 18
BAO CAO HANG NAM, TRACH NHItM CUNG CAP THONG TIN,
THONG BAO RA CONG CHUNG
Dieu 77. Blio cio Tii chinhs'
1. Ngan hang lap cac bao cao tai chinh theo quy dinh cua phap luat ve ke loan, thOng k8 va bao cao boat dOng nghiep vu dinh ky theo quy dinh cua Thing d6c NI-INN.
2. Bao cao ke toan hang nam phai bao g6m mot Bao cao quyet toan 16 lai cho thAy &rot mot cach trung thtrc va khach quan tinh hinh lai va 18 dm Ngfin hang trong nam tai chinh va mOt Ban can dOi tai san cho thay mot cach trung thtrc va khach quan tinh hinh cac hoot Ong cua Ngan hang cho den theyi diem lap Bao cao quyet town 16
3. Ngodi n1:fin bdo cao !finis 10, NO,: hang bdo cao ngay vdi NHNN (tong nhang truerng h9p sau:
a. Dien bien khong With thtr&ng trong boat Ong nghiep vu c6 the anh huong nghi8m tong den tinh hinh kinh doanh cua Ngan hang;
b. Thay dOi km ve co cAu to chic cua Ngan hang.
4. Trong th&i han chin muoi (90Ingay.le_tir ngly _ketihtic-nim-sai-chinbrNgitr-ling-nOp NHNN cac Bao cao hang nam theo quy dinh cua phap luat.
Dieu 78. Cling bo va Thong bios2
1. Cac bao cao tai chinh hang nain va cac tai lieu b6 trq Ichac phai ducrc gui cho co quan thug co thAm quyen va NI-INN cling nhu phai &roc ding bo trong yang mot tram hai mtrcri (120) ngay ke tar khi ket thtic nam tai chinh theo quy (firth cua phap luat.
2. Trong yang mOt tram hai mtrcri (120) ngay ke tit ngay ket thtrc nam tai chinh, Ngan hang phai cong khai bao cao tai chinh cua minh theo quy dinh cua phap luat
si Dieu 141 Litt Cac t6 chin tin dung. c Dieu 143 Lult Cac t6 chin tin dung.
Long kink nj3lb - Didu HDBank 2014 Tang 66/71
Chuang 19
KIEM TOAN NG AN HANG
Dieu 79. Kiem twin dcie 1483
1. Tnrac khi ket thdc nam tai chinh, NJ* hang phai Iva chon met T6 chin kiem toan dee lap dti dieu kien theo quy djnh cda NHNN (khong phai la kiem toan nei be) d kiem toan cac hoot deng cda Ngan hang trong nam tai chinh tiep theo.
2. Trong thai han ba nurcri (30) ngay, ke fir ngay quyet djnh lira ch9n to chdc kiem toan dec lap, Ngan hang phai thong bao cho NHNN ve to chirc kihn toan dec lap duce Iva chpn.
3. Ngfin hang phai thvc hien kiem toan dee lap loi trong tnrang hop bao cao kiem toan co Y kien ngoai trir dm to chdc kiem toan dee lap.
4. 16 chdc kiem toan dee lap cila Ngan hang se kiem tra, xac nhan tinh trung thi,rc va bio cao den co sa Bao cao ke tan hang nam cac khoan thu chi dm Ngan hang va phai chuin bj Bao cao Kiem toan va trinh bao cao cho Hei ding guar' tri trong yang hai (02) thing ke tir ngay ket thdc mai ram tai chinh.
5. Kiem town vien cda TO chdc kiem town dOc lap se duvc phep tham (Iv bat ky Dai hei citing co ding nao va thu thap cac thong bao, thong tin khac lien quan den bat ky cus5c hop nao ma cac Co (long duqc quyen nhan va &lac phat bieu y kien tai Dai hei ding cti ding ve cac van de dm Dai hOi có lien quan den kiem wan vien.
6. Vic kiem toan cu the cac hoat dOng cda Ngan hang &roc thvc hien theo quy djnh cUa Luat cac TO elide Tin ding, phap loaf ye kiem toan dee lap va van ban huong can cda NHNN.
Chiromg 20
KIEM SOAT DAC BIT, TO CH11'C LAI, CRAM DirT HOAT BONG
VA THANH LY
Dieu 80. Bio cao kho khAn ve khi Wing chi trim
Khi có nguy ca mat kha man chi tra, Ngan hang phai kip thai bao cao vbi NHNN ye thvc trong tai chinh, nguyen nhan va cac bin phap da ap dung, dkr kien at) dung de !chic phic.
Dieu 81. Kiem soli d#c bift "
I. Cdc trsthng hpp Ngtin hang c6 the bE d(tt vao tinh trong ki'dm soot d(tc bitt.
a. Co nguy ca mat kha nang chi tra;
13 Dieu 42 LuSt Clic to chtic tin dung . " Dieu 145 Lust cac t8 chic tin dung .
" 5 Dieu 146 Li* Cac t6 chtic tin dung.
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b. Ng kh6ng c6 kha nang thu h6i có nguy co din den mit kha nang thanh toan;
c. Khi s6 18 lily ke cua Ngan hang km han 50% gia trj thuc cua von dieu le va cac quj,
du tru ghi trong bao cao tai chinh da dugc kiem toan gin nhit;
d. Hai narn lien tuc bj xep loaf yeu kern theo quy djnh cua NHNN;
e. Khong duy tri dugc tY le an toan von t6i thieu quy djnh cua phap luat trong thgi han mot nam lien tuc hoAc ty le an toan von t6i thieu thip han 4% trong thtri han sau (06)
thing lien tuc.
2. Tnztrng hgp cap bach, de darn bao kha nang chi tra tien giri hoac tien lai cua khach hang,
Ngan hang co the dugc cac to chic tin dung khac hoac NHNN cho vay dAc biet theo quy
djnh cua phap luat.
3. Khoan vay dAc biet nay se dugc tru tien hoan tra truerc tat ca cac khoan ng khac cua Ngan
hang, ke ca cac khoan ng co tai san bao dam dm Ngfin hang hoac dugc chuyen doi thanh phin von gap, von c6 phin tai Ngfin hang lien quan quy djnh tai Dieu 149 cua Luat cac T6 chirc tin dung".
Dieu 82. Trach nhi?in cfia Nein hang dircrc kiem snit dtic biets7
H6i dling quan trj, Ban kiem soat, T6ng giam dOc cua Ngan hang dugc kiem soat (lac biet
có trach nhiem sau:
I. Xfiy dung phucrng an ding c6 to chtic va hoat d6ng cua Ngfin hang trinh Ban kiem soat
dAc biet thong qua va to chirc trien khai thuc hien phucmg an do;
2. Tiep tuc quan trj, kiem soat, dieu hanh hoat d6ng va bao darn an toan tai san cua Ngan
hang, trir tnrOrng hgp Thanh vien H6i d6ng quan trj, Ban kiem soat, Ring giarn d6c cua
Ngfm hang bj dinh chi, tam dint' chi quyen quan trj, dieu hanh, kiem soat Ngan hang;
3. Chip hanh yeu ciu cCia Ban kiem soat dac biet lien quan den to chirc, quart trj, kiem soat,
dieu hanh Ngan hang theo quy dinh cua phap lu#t;
4. Thuc hien yeu cau dm NI-INN theo quy djnh ctia phap luat.
Dieu 83. ChAm dirt kiem soat d#c _
I. Nglin hang duTic chain dirt ken, soar dac bitt bai quylt dinh cua NHNN trong cdc
truerng hap sau:
a. Hoat d6ng cua Ngan hang to lai binh thtrerng;
b. Trong qua trinh kiem soat dAc biet, Ngan hang dugc sap phap, hgp nhit vao mot to
chirc tin dung khac;
c. Ngan hang khong khoi phuc dugc kha nang thanh toan.
" Diku 151 Ludt cac t6 chic tfn dung. Diitt ISO Lust cac t6 chirc tin dung. Diku 152 Lust Cfic t6 chuc tin dung.
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2. Quyet djnh chim dirt kiem soat die 114'0 dtrac thong bao cho cac to chirc, ca nhan lien
quan.
Dieu 84. TO chtirc lai Ngan hang
I. Ngin hang duac to chirc lai dirdri hinh thirc chia, tach, hap nhit, sap nhdp, chuyen dei hinh thirc phip ly sau khi (lucre NHNN chip thudn bang yin ban.
• 2. Dieu kien, ho sa, trinh tkr, this tvc chip thudn viec to chirc lai Ngan hang theo quy djnh cita
NHNN.
Dieu 85. Phi sin Ngin hang
1. Sau khi NHNN c6 van ban chim dirt kiem scat die bit hodc van ban chim dirt ip dung hodc van ban kh6ng iftp dung cac bin phap phvc hoi kha fling thanh toan ma Ngan hang vAn lam vac, tinh trang pha san, thi Ngan hang phai lam don yeu ciu T6a an m6 thu tvc
giai quyet yeu cau tuy8n bo phd san theo quy dinh ctia phap ludt ve pha san.
2. Vic pha san cira Ngan hang theo quy djnh c6a phdp ludt ve pha san.
Dieu 86. Giii the Ngin hang
Ngan hang giai the trong cac twang hap sau day:
I. Tkr nguy8n xin giai the neu c6 kha nang thanh town het no' va dirqc NHNN chip thudn bang van ban;
2. Khi het thai han hoat dOng khong xin gia han hodc xin gia han nhung khong duce NHNN
chip thua'n bang van ban;
3. Bi thu h■Si Giiy phep.
Dieu 87. Thanh Iv tail sin cila Ngin hang
1. Truerng hop Ngfin hang bj tuyen b6 pha san, viec thanh ly tai san ctia Ngan hang duTic thuc hien theo quy dinh ctia Luat pha san doanh nghiep.
2. Khi giai the theo Dieu 86 c6a Dieu 18 nay, Ngfin hang tien hanh thanh 15, ngay dtreri stir
ThrifarNm s c fiNN-vit-theo_trinkh6 tvc thanh ly tai san do NHNN quy dinh.
3. Moi chi phi lien quan den viec thanh 15, do Ngfin hang bi thanh 15, chiu.
Chtrong 21
GIAI QUYET TRANH CHAP NQI BQ
Dieu 88. Giii quyet tranh chip NOi bQ
I Bit dr khi nao m6t sir tranh chip hay Ichieu nai c6 lien quan toi cong viec ctia Nem hang hay tai quyen cua cac Co d6ng nay sinh tir Dieu le hay tir bit dr quyen hoac nghTa vv do
" Dieu153 Luat Cac chirc tfn dung.
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LuAt cac TO chirc tin dung va cac Van ban ban huang dan thuc hien hien hanh va bat 14 luit hoc cac quy djnh hanh chinh nao khac quy djnh, giaa:
a. Mgt co &Mg hay cac Co Ong va Ngan hang; hoc
b. Bit IcSt dong hay cac Co (long va Hqi dOng quan trj, Ban kiem soat, TOng giam elOc hay Can b0 Quin ly cao cap.
2. Cac ben lien quan se co ging giai quyet tranh chip do thong qua thuang Itrong va hoa
giai. Trio tnreing hqp tranh chip lien quan ten HOi 'Ong quan trj hay Chit tich H6i (long
quan trj, Chu tich HQi Ong quan trj se chit tri viec giai quyet tranh chip va se you ciu mOi ben trinh bay cac yeu to thuc tien lien quan den tranh chip trong yang hai math mot (21) ngay lam viec k'e tiz ngay tranh chip phat sinh. Neu tranh chip lien quan ten HOi elOng quart trj hay Chit tjch HOi dOng quan tri, cac ben co the yeu ciu ca quan co thim quyen de giai quyet.
3. Neu khOng co quyet djnh nao Qat Quqc trong hoa giai trong yang 04 (bOn) tuin tir khi bit
Qin qui trinh hoa giai hoc neu quyet djnh cua hoa giai vien khong Quqc cac ben chip nhin, cac ben co the Qua tranh chip Q6 ra Toa an c6 thim quyen giai quyet.
4. MOi ben se ter chju chi phi dm mirth c6 lien quart toi this tuc thuang luqng va h6a giai. Cac chi phi dm Toa an se do Toa phan quyet bEn nao phai chju.
Chircrng 22
THONG TIN VA BAO MAT
Dieu 89. Thong tin.
1. Nem hang thong tin djnh ky cho chit tai khoan ve nhiMg giao dich va so du tren tai khoan cua ho tai Ngan hang.
2. Nem hang cluqc trao d6i thong tin vai TO chirc tin dung khac ve hoat d6ng ngan hang va
vet khach hang.
3. Ngin hang c6 trach nhiem bao cao, cung cap cac thong tin cho NUNN ve firth hinh,
tiOng ittnh doanh, nhan sy theo yeu ciu cita NI-INN va Qtrqc NHNN cung cap thong tin lien quan den hoat Ong ngfin hang cita nhQng khach hang co quan he vOi Ngin hang.
Dieu 90. Nghia vy Bao mat
1. Nhan vien cua Ngin hang va nhimg nguCri co lien quan 'thong Quqc tiet 16 bi mat quOc gia, bi mat kinh doanh cua Ngan hang va bi mat tat khoan cita khach hang ma minh biet, tth tnro-ng hqp theo yeu cau cua cac ca quart phap Vat.
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2. Ngan hangsduqc quyen chi yeu cAu chtrc, ca thin cung cap thong tin lien quan den tien girl, tai san cua khach hang va hoot dOng caa Ngan hang, trir tnr&ng hgp c6 yeu cAu cua ca quan Nha nuerc c6 tham quyen then quy Binh dia phap lust hoac dugc su chAp thu.n cua khach hang bang van ban.
Chuang 23
NGAY HI) U LIIC
Dieu 91. Ngay bleu Ityc
1. Dieu le nay c6 hieu luc ke tir ngay dugc Dpi hOi d6ng co dOng thong qua va thay the cac Dieu le, cac Van ban h6 sung Dieu le di dugc NHNN chuan y truck Hy.
2. Viec 1)6 sung, sfra d61 Dieu le nay phai dugc Dai hOi d6ng c6 dO'ng xem xet quyet djnh thong qua. Trong tern hop c6 sir thay d6i ho4c c6 nh&ng quy djnh meri ye than quy djnh cua phap luat c6 lien quan den hoat dOng cua Ngin hang khac v6ri nhir-mg dieu khoin trong Dieu le nay thi nhang quy djnh cOa phap luat d6 ducrng nhien dugc ap dung va dieu chinh hoat dOng cua Ngan hang ./.
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TM.HQI BONG QUAN TRJ
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MI,JC LI FT
DIEU LE HDBANK
PHAN mei nAu
CHIIONG I
MINH NGHiA CAC THUAT NGU TRONG DIEU LE 1
Di& I Dinh nghTa I
CHUVNG 2_ 4
TEN, DIA CHI VA THOI G IAN HOAT DONG CUA NGAN HANG -4
Di& 2. Ten, dia chi, hinh fink, dpi dien then phap 1u41, chi Wirth, van phang dpi dien, thai horn hog! d6ng va con ddu cua Ngan hang 4
CHVONG 3 „...........5
MVC TIED CUA NGAN HANG, PHAM VI VA NQI DUNG nog DQNG 5
Diou 3. MIX tab C'La NO.? hang
Di& 4. PhQm vi hogt dang S
Dilu 5. Nat dung hog: clang cua Ngan hang 5
Dilu 6 G6p von, mua co phOn 7
Diiu 7. xer duyet cho vay, kiim tra va xli ly 8
Diiu 8 Btho dam an toan 9
CHtfaNG 4 9
VON DIEU LC VA VON HOAT DQNG 9
DiJu 9. Vdn 10 9
Di& 10. Thay doi Vdn Di& le 9
Di& 11. Vdn hogt (fang caa Ngan hang gdm cac ngudn sau 10
Di& 12. Sit dung von, tai Jan /0
Di& 13. Bao dam an toan vdn 10
CHUCING 5 11
CO PHAN, CO PHIEU, CO DONG, CO DONG LON VA CO DONG SANG LAP 11
Diekt 14. Von driu 1f, co phan, co clang clic? Ngan hang 11
Diiu 15. Gt.& horn s& hau co phOn 12
Mitt 16. Co phi& 13
Did?' 17. Chao ban va chuyin nhuvIng ca phdn 14
Diiu 18. Ph& hanh trai phi& 15
CHtIONG 6 15
Ca CAU TO CHUC QUAN LY 15
Didu 19. Cct cJu to chtic quanl; 15
011.101NG 7 16
CO BONG VA DA1H01 DONG CO DONG 16
Dilu 20. Sd dang ky% c6 long 16
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Dieu 21. Quyin cua Co dOng 17
Dieu 22. NghTa vy cua cd (tong 19
Dieu 23. Doi hthi ddng cd (long, thdm quyin trieu tip hpp Doi h.5i ddng cd dong 19
Dieu 24. Danh sach cd clOng c6 quyen du hop Dpi hthi ddng cd Sing 21
Dieu 21 Quyin hon va nhiem vu cUa Doi hal cidng cd clang 21
Dieu 26. Quyin hpp Doi hthi ddng cd dong 13
Dieu 27. Thong qua quyit djnh clic, Doi hai ddng c6 eking 24
Dieu 28. Chuvng trinh vet nthi dung hpp, mai hop Doi h5i clang cd dong 25
Dieu 29. Dieu kien tien hanh hpp, the thiic-tien hanh hop va bleu quyit, bien ban hap Doi hai &wig cd dong 26
Dieu 30. Theim quyin va the that Ivry y kiln cd &Mg bang von ban de thong qua mil djnh clic: Dal h6i
Dieu 31.
Dieu 31.
CHtfaNG 8
DIEU KHOAN CHUNG VE HQI DONG QUAN TRI, BAN KIEM SOAT, TONG GIAM DOC VA MOT S6 Clitt DANH KHAC 30
Dieu 33. Nhiem vu chung 30
Dieu 34. Nhi-ng truying hpp khang duvc dam nhiem chiic vy, khong cling dam nhiem chicc vy, tieu chudn de du-pc bdu, bd nhiem 31
Diiu 35. Cong khai cthc Ipi ich c6 lien quail - y 35
Dieu 36. Thu lao, tien lwong va 1pi ich khcic cua thanh vier? Hthi dong quan trj , thanh vien Ban kilm soot, Tong giam ddc: 35
Dieu 37. Durmg nhien mdt to cach 35
Dieu 38. Miin nhiem, bdi nhiem 36
Dieu 39. Dinh chi, tam Dinh chi 37
CHO:1%4G 9 37
CAC NGH1A Vti DU'OC UY THAC CUA THANH VIEN HQI BONG QUAN TRI, THANH VIEN BAN KIEM SOAT, NGUIII DIEU HANH NGAN HANG 37
Dieu 40. Quyin, Nghia vu ccia thanh vien H6i acing qua.: tri, thanh vien Ban kiem soot, Ngtrai (lieu ;nh clic; N an hang 37
Dieu 41. Trdnh xung dtht quyin lqi 38
Dieu 42. Trcich nhiem va Bdi thwong 39
CHUONG 10 39
HQI DONG QUAN
Di& 43. Thanh phdn va Nhifm 161 39
Di& 44. Quyin hpn va Nhiem vy csia H¢i ddng guar? Iri 40
Di& 45. Quyin hark nhiem vu ctia Chu tich va thanh vien H6i ddng quan bj 42
Diiu 46 ThU lao cua thanh vier! Hthi ddng quan tri 43
Dieu 47. Thay the thanh vier: Hthi ddng qucin lrj. 43
Dieu 48. Cuthc hap cud Hthi &rig quan tri 44
(long c6 dong 18
Hieu Arc quyit djnh cid Doi hthi (Icing cd dOng 30
Huy b6 cac quyit djnh ctia Doi hoi ddng cd dong 30
30
Alec 14ic !Wu to 110Runk 1014
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Diiu 49. BO may gitip viec ct;a1161ddng quan tri
Diiu 50. Thdm quyin va the Mile ay); kiin than)? vien H6i ddng guars trj bang van ban
°WONG 11
TONG GIAM DOC
SO
SO
48
49
Ditiu 51. Tang giam ddc 50
Diiu 52. Bd nhiem, mien nhiem, bdi nhiem Tdng giam doc 50
Dieu 53. Quyin, nghicz vy cua Tang gicim ddc 51
MICR% 12 . ...... —.52
BAN KIEM SOAT 52
Diiu 54. Thank phdn va nhiem ky 52
Dieu 55. Nhiem vy va quyin km cies Ban kiim so& 53
Dieu 56. Nhiem vy, quycin hpn cua Trwing ban va cac thanh vien Ban kiim soot 54
Di& 57. Thay thi thank vien Ban kiim soot 55
Diiu 58. CuOc hop clic: Ban kiim soul 56
CHIfONG 13 58
CO CAU TO CHUC CUA NGAN HANG 5S
Diiu 59. Co cdu Id chile cua Ngdn hang 58
Diiu 60. Co. cdu Id chile cua Try sa chinh 59
Dieu 61. 136 may gisip viec cua Tdng gicim dde 59
CHLIONG 14 59
QUYEN DIEU TRA SO SACH VA HO SO NGAN HANG 59
Di& 62. Quyin diiu Ira so such va hd so 59
(WONG 15 59
NGITOrl LAO DQNG VA CONG DOAN 60
Didu 63. Ngufri lao dOng va tong down 60
CMICING 16 60
PHAN CHIA LQI NHUAN 60
Didu 64. Cd tat 60
CHIANG 17 61
HE THONG KIEM TOAN NQI BQ, HE THONG KIEM TRA KIEM SOAT NO' BQ, QUI DI/TRU', NAM TAI CHINH, 14 THONG KE TOAN 61
Diiu 65. He Mang kiim loan n6i b6 61
Di& 66. Ties' chudn, ba nhiem, mien nhiem cac chile danh csia kiim loan Ns b0 61
Di& 67. Track nhiem c-sia B6 ph(5n Kiim toan n(5i b(5 62
Di& 68. Quyin hon cua BO phOn Klein wan n(5i b(5 63
Di& 69. He Mang kiim tra, kiim soot n(5i b(5 63
Di& 70. Cac yeti cdu va nguyen tdc hoot d(5ng cUci hf thdng kiim bra, kiim soar n(5i b(5 64
Di& 7/. Chi d(5 Tai chink 65
Diiu 72. Sit dyng Vdn 65
Myc lye - 111)Ralil, 2/114
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Dilu 73. Mua, ddu to vao fa; san co djnh 65
Diiu 74. Cac Quy DIr Ira 65
Didu 75. Tyr chUi4 tat chlnh cua Ngdn hang 65
Dieu 76. Ki loan va Thue 65
CHUONG 18 .66
BAO CAO HANG NAM, TRACH NHIeM CUNG CAP THONG TIN, THONG BAO RA CONG CHONG 66
Di& 77. Brio cao Tai chinh 66
Dam 78. Cong bO va Thong bao 66
CHUONG 19 .....67
KIEM TOAN NGAN HANG 67
Dieu 79. Kiem toan dOc lap ..... 67
°MING 20
KIEM SOAT DAC BICT, TO CHtIC LAI, CHAM Der HOAT BONG VA THANH Li' 67
Dieu 80. Bao cao kh6 khan ve kha nang chi Ira 67
Dieu 81. Kiim soat dac biet 67
Dieu 82. Trach nhiem cua Ngan hang atn7c kiem soot dac biz 68
Dieu 83. Chdm out kiim soar ddc biet 68
Dieu 84. TO chac 1pi Ngan hang 69
Dieu 85. Pha san Ngdn hang 69
Dieu 86. Giai the Ngan hang 69
Diiu 87. Thanh 1)% tat san caa Ngdn hang 69
CRIAING 21 69
GIAI QUYET TRANH CHAP NQI BO 69
Dieu 88. Giai quyet Tranh chap NOi by 69
CHUZING 22 70
THONG TIN VA BAO MAT 70
Dieu 89. Thong tin 70
Dieu 90. Nghra vg Boo mat 70
CHIIONG 23 ....
NGAY H1€U LI,rC 71
Dieu 91. Ngay hieu 71
Mitt 14tc - Di& 11011ank 2014
'1 •,,
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