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1 12 n TONG CONG TY CP BAO HIEM PJICOCONG HOA XA HOI CHU NGHIA VIET NAM "'.'-Boc lap - Tu- do - Hanh phuc F-<S s r^ s <-i w A s:hanoi, ngay 20 thdng 03 nam 2015 Kinli thua cac Quy Co dong, cac Quy vi dai bieu! BAO CAO HOAT DONG CUA HOI DONG QUAN TRI NAM 2014 Thay mat Hoi dong quan tn (HDQT), toi xin trin bay bao cao hoat dong cua HDQT nam 2014 va de xuat mot so dmh huong trong nam 2015 nhu sau: I. Dac diem tinh hinh Nam 2014 cac Doanh nghiep bao hiem noi chung va DoaiA nghiep phi nhan tho not rieng vsn tiep tuc doi mat voi khong it kho Idian va thach thu-c tu- nen kinh te nl-iir: tong cau cua nen kinh te o muc map, cac nguon von dau tu giam manh, dau tu cong dang duoc tai co cau, dau tu tu nhan va dau tu nuoc ngoai c6 xu huong chung lai, lai suat ngan hang giam manh, the che ve hoat dong kinh doanh bao hiem cung dang trong qua trinli hoan thien, viec canl-i tranli khong lanh manh va tnic lai bao hiem van dien ra phuc tap... Nhat la su kien thang 5/2014 bieu tinh dong nguoi tai mot so dia phuong phan doi TQ dat gian klioan HD 981 trai phep trong them luc dia Viet Nam da lam thief hai cho cac Doanh nghiep dau tu nucrc ngoai, lien quan den viec cac Doanh nghiep bao hiem phai xu ly giai quyet thiet hai, tac dong kliong tot den hoat dong cua cac Doanh nghiep bao hiem noi chung trong nam 2014, trong do c6 Tong cong ty bao hiem PJICO. Duoi su chi dao tich cue kip thoi cua Dang, cua Chinh Phu, Bo Tai chinh, Cue Quan ly giam sat bao hiem va cac Bo Ban Nganh Trung uong, voi til-ill than chu dong, sang tao PJICO cung voi cac doanh nghiep bao hiem khac giai quyet kip thai thiet hai trong pham vi trach nhiem bao hiem doi vai thiet hai cua cac doanh nghiep, nang cao thuotig hieu va uy tin cua cua cac doanh nghiep bao hiem doi voi cac nlia dau tu nuoc ngoai. II. Ket qua hoat dong cua HDQT nam 2014: 1. Danh gia tinh hinh hoat dong cua Tong cong ty trong nam tai chinh * Ket qua kinh doanh nam 2014: STT Cacchitieu Kehoach2014 Thuchien2014 Tang/giam(%) Tongdoanhthu 2.460,5tyd 2.546tyd 3,5% Doanhthubaohiemgoc 2.100tyd 2.123tyd 1,1% Lo'inhuantruocthue 100,982tyd 110,144tyd 9%

2 Mucchiacotuc 9% 9% Dmhmuclaodong 1750nguoi 1685nguoi Voi su thong nhat y chi cua HDQT, Ban TGD, dac biet la su tich cue c6 gang, n6 luc phan dau cua can bo nhan vien trong toan he thong, Tong cong ty da hoan thanh toan dien cac chi tieu ke hoach DHDCD giao nam Dac biet la hoan thanh vugt muc ke hoach chi tieu Doanh thu va Lai nhuan, dam bao thuc hien chi tra c6 tuc cho c6 dong theo dung muc chia c6 tuc du kien la 9%. - Tinh hinh tai chinh nam 2014: - VQn chu sff him va Tong tai san: + Von chu so huu: 855,8 ty dong tang 7,5% so voi nam Tong tai san : 3,647 ty dong tang 51,8% so voi nam Ly do: Nam 2014 hach toan theo thong tu 232/2013/TT-BTC. -Thuc hien trich lap cac quy du phong: Tong cong ty thuc hien trich lap cac quy du phong theo dung quy dinh da lam gia tang kha nang tai chinh cua PJICO: + Trich lap da trich lap bo sung 3 quy du phong nghiep vu (Du phong phi, Du phong boi thuong va Du phong dao dong Ion) 123 ty dong. Trong do trich lap Du phong dao dong Ion 50 tv dong (trich 3% phi giu lai, nam 2013 trich 1%); + Trich lap Du phong cac khoan dau tu la: 12 ty dong; - Tinh hinh Quan ly cong nff: + Tiep tuc ra soat cong no phai thu va cong no xau. Thuc hien trich du phong cong no xau la 34 ty dong, tang 32 ty dong so voi nam Kiem soat chat che cong no tarn ung, dac biet la tarn ung ca nhan. Thu hoi va kien quyet xu ly nhung truong hop tarn ung ca nhan khong dung quy dmh cua Tong cong ty. + Cong 110 phai tra khac hang la 189,5 ty dong, trong do Phai tra hoat dong nhucmg tai: 174 ty dong, phai tra hoat dong nhan tai 16,7 ty dong, con lai la phai tra hoa hong va cac quy Chay no, Xe co gioi va Quy bao ve nguoi duoc bao hiem. + Nam 2014, tren co so yeu cau cap thiet cua cong tac quan ly tai chinh, Tong cong ty da thanh lap phong Quan ly tai san no va rui ro tai chinh tren co so nang cap tieu ban cong no de tang cuo-ng cong tac thu doi cong no khach hang va kiem soat cac rui ro tai chinh cua Tong cong ty. - Kiem soat vn-fft chi phi cua cac Sffn vi:

3 Tong so tien vuot chi la 41 ty dong (giam 35 ty dong, tuong duong 46% so voi nam 2013). HDQT da c6 van ban chi dao yeu cau cham dut va c6 bien phap xu ly nghiem doi voi cac don vi de xay ra tinh trang vuot dmh muc chi phi ma khong giai trinh duoc ly do chinh dang. - Thyc hien tiet kiem chi phi: + Giam chi phi boi thuong 75 ty dong tuong duong 6,7% so voi nam Su dung chi phi dam bao dung quy dmh va thiet thuc. Nam 2014 mot so khoan muc chi phi duoc tiet giam so voi nam 2013 nhu sau: Chi phi dich vu mua ngoai giam 4,6 ty dong, chi phi Van phong pham giam 800 trieu dong, chi phi nhien lieu giam 635 trieu dong. * Tinh hinh quan tn Tong cong ty nam 2014: - Tong cong ty luon thuc hien nguyen tac cong khai, minh bach hoat dong kinh doanh tren co so tuan thu dung quy dmh cua phap luat ve thuc hien bao cao doi voi cong ty niem yet. Thuc hien cong tac Quan ly, quan tn theo tieu chuan ISO 9001: Nam 2014 de dap ung yeu cau cong tac quan tn phu hop voi cac quy dmh cua Nha nuoc va dieu kien kinh doanh hien tai, Tong cong ty da chi dao nghien cuu, xay dung va ban hanh cac Quy che sua do bao gom: Quy che Tai chinl-i, Quy che Dau Tu, Quy che Lao dong -tien luong, Quy dmh ve to chuc va hoat dong cua cac cong ty true thuoc. Den nay HDQT da hoan thanh, ban hanh Quy che Tai chinh va Quy che Dau tu de dua vao phuc vu cong tac quan ly, quan tn cua Tong cong ty. Cac Quy che khac tiep tuc duoc xem xet de ngay cang hoan mien. - Cac mat cong tac quan ly moi hoat dong cua cong ty, nhin chung deu dam bao theo quy dinh cua Tong cong ty va quy dinh cua phap luat. Cong tac quan ly kinh doanh va quan ly tai chinh ke toan dang di vao ne nep va c6 chuyen bien het sue tich cue, nhat la tinh hinh tai chinh cua Tong cong ty da ngay cang on dmh, vung vang, dap ung cac yeu cau cua hoat dong kinh doanh theo huong minh bach, an toan, hieu qua va phat trien ben vung. - Ve loi ich c6 dong va nha dau tir - Tong cong ty to chuc hoat dong kinh doanh luon tinh den cac rui ro voi muc kiem soat rui ro phu hop, han che rui ro den muc map nhat. Ban Kiem soat, Ban Kiem toan noi bo thuc hien chuc nang kiem tra, giam sat tren co so nguyen tac doc lap, to chuc thuc hien bao cao DHDCD, HDQT theo quv dinh de kip tho'i c6 cac bien phap dieu chinh hop ly dam bao cac hoat dong kinh doanh cua cong ty tuan thu dung cac quy che, quy dmh cua Tong cong ty va cua Phap luat.. - Hoat dong cua Tong cong ty luon huong toi muc tieu toi da hoa loi ich cua cac c6 dong thong qua viec tao ra them gia tn gia tang cho cac c6 dong. Nam 2014, Tong cong hoan thanh viec chi tra c6 tuc nam 2013 voi muc c6 tuc 8% va tarn ung muc c6 tuc 5% cua nam 2014 cho cac c6 dong (Du kien muc c6 tuc nam 2014 la 9%). - Dam bao cong bang cac quyen loi cua cac c6 dong, thuc hien cung cap thong tin toi cac c6 dong ro rang, minh bach, chinh xac va dung thoi gian.

4 * Nhfrng thay doi chu yeu trong nam: + Trien khai thuc hien phuong an tang von dieu Ie de nang cao nang lire canh tranh theo Nghi quyet cua DHDCD, thong qua viec phat hanh c6 phieu rieng Ie cho nha dau tu chien luge nuoc ngoai. + Tong cong ty thuc hien trien khai chuong trinh bao hiem cho cac tau khai thac hai san xa bo, tau dich vu hail can khai thac hai san xa bo theo quy dinh tai Nghi dmh so 67/2014/ND-CP ngay 07/07/2014 cua Chinh phu "Ve mot so chinh sach phat trien thuy san". Danh gia chung hoat dong cua Tong cong ty nam 2014: Can cu bao cao ket qua kinh doanh cua Tong giam doc, HDQT danh gia cao nhung thanh tich Tong cong ty dat duoc trong nam 2014: Hoan thanh toan dien cac chi tieu ke hoach nam 2014, dac biet la hoan thanh vuot muc ke hoach chi tieu doanh thu va loi nhuan; nang suat lao dong va thu nhap cua can bo nhan vien gia tang; cac mat cong tac quan ly, quan tn ngay cang duoc nang cao. HDQT nhiet liet bieu duong nhung c6 gang, no luc cua Ban Tong giam doc va toan the can bo nhan vien da vugt qua kho khan cua nam 2014 de hoan thanh xuat sac ke hoach HDQT va DHDCD giao, trong dieu kien thi truong bao hiem het sue kho khan va c6 nhung su kien da tac dong Ion va anh huong xau den hoat dong kinh doanh bao hiem cua cac Doanh nghiep bao hiem noi chung trong do c6 PJICO. 2. Hoat dong, thu lao va chi phi hoat dong cua Hoi dong quan tn va tirng thanh vien Hoi dong quan tn nam Co- cau nhan su cua HDQT: HDQT gom 7 thanh vien duoc DHDCD bau tai dau nhiem ky nam Den thoi diem hien tai, c6 dong Petrolimex (chiem 51% von dieu Ie cua Tong cong ty) c6 2 thanh vien Dai dien la: Ong Nguyen Van Tien - Chu tich HDQT, Ong Dao Nam Hai - Tong giam doc. Trong nhiem ky ( ), HDQT da c6 mot so thay doi ve nhan su thay doi so voi nhiem ky ( ) nhu sau: + Ong Le Van Thanh duoc DHDCD bau la thanh vien HDQT (thay the Ong Vu Ba On dai dien phan von cua Tong cong ty Thep Viet Nam tai Tong cong ty PJICO). Ban Kiem soat. + Ong Nguyen Quoc Binh thoi khong la thanh vien HDQT nhiem ky ( ). + Ong Nguyen Van Hoc thoi khong la thanh vien HDQT, duoc DHDCD bau la thanh vien 2.2. Hoat dong cua HDQT: Nam 2014, HDQT da thuc hien tot chuc nang hoach dmh chien luge, to chuc chi dao va giam sat moi mat hoat dong cua Tong cong ty. Hoat dong cua HDQT duoc phan cong cu the cho cac thanh vien phu trach theo tung ITnh vuc de tham tra cac noi dung thuoc tham quyen cua HDQT. Cac hoat dong chi dao, giam sat cua HDQT thong qua hinh thuc true tiep hoac bang van ban:

5 - Hinh thuc true tiep: Trieu tap hoac tham du cac cuoc hop cua Tong cong ty de chi dao thuc hien cac Nghi quyet, quyet dmh cua HDQT hoac chi dao cua cap tren; chi dao thuc hien chuyen doi co che chinh sach kinh doanh, cong tac tai cau true ve to chuc, lao dong- tien luong, cong tac tai chinh, Dau tu; chi dao va gop y cac noi dung quan trong khac phat sinli trong qua trinh to chuc hoat dong kinh doanh cua Tong cong ty. - Bang van ban: Tren co so thuc hien chuc nang theo doi, giam sat hoat dongc cua Tong cong ty thong qua cac bao cao, To trinh cua Tong giam doc; cac bao cao cua Kiem toan doc lap; bao cao cua cac Ban thuoc HDQT, Hoi dong quan tn ban hanh cac van ban de chi dao thuc hien cac cong viec theo chuc nang va thuoc tham quyen cua HDQT Chi phi va thu lao cua HDQT - Tong cong ty thuc hien ap dung che do luong cua cac thanh vien HDQT chuyen trach theo dung quy dinh cua Phap luat. Doi voi cac thanh vien HDQT khong chuyen trach, Tong cong ty chi tra thu lao cua cac thanh vien HDQT theo dung noi dung To trinh da duoc DHDCD thuong nien nam 2014 thong qua. Chi tiet tien luong, thu lao cua cac thanh vien HDQT nam 2014 theo To trinh cu the. 3. Tong ket cac cuoc hop va cac quyet dmh cua Hoi dong quan tn: Nam 2014, HDQT da to chuc 04 phien hop va nhieu lan lay y kien cua cac thanh vien HDQT bang van ban theo dung quy dinh cua Dieu Ie cua Tong cong ty, da ban hanh 12 Nghi quyet va 16 Quyet dmh va nhieu van ban de to chuc trien khai thuc hien day du cac noi dung theo Nghi quyet cua DHDCD va cac cong viec khac thuoc tham quyen cua HDQT, cac noi dung quan trong trong nam 2014 da duoc HDQT quyet dinh nhu sau: 3.1. Chi dao va phoi hop voi Ban dieu hanh to chuc thanh cong DHDCD thuong nien nam 2014, day cung la Dai hoi de bau HDQT va Ban kiem soat nhiem ky ( ) Chi dao va giam sat cong tac Ke hoach phu hop dieu kien thu-c tien tin tru-ffng bao hiem HDQT da chi dao viec xay dung ke hoach cua Tong cong ty tren co so xay dung ke hoach cua tung don vi phu hop va sat thuc voi nang luc cua don vi va tinh hinh tin truong cu the tai dia phuong; Phe duyet ke hoach kinh doanh va chuong trinh Tai bao hiem; Giam sat thuc hien ke hoach kinh doanh nam 2014 dam bao hoan thanh ca ve mat khoi luong va thoi gian Cong tac chi dao ve to cliii'c, lao dong- tien lu-ffng: - Doi voi cong tac to chuc, sap xep cac phong ban, nhan su: + Tiep tuc chi dao ra soat thuc hien tai co cau ve to chuc tren nguyen tac tinh gon va hieu qua: Chuyen doi mot phan chuc nang nhiem vu - mang dich vu truyen thong tu Phong Tong hop sang Phong dich vu khach hang; Tach phong Bao hiem Du an de thanh lap 02 phong nghiep vu, ten goi: Phong bao hiem Du an, Phong bao hiem Moi gioi - Bancassurance; thanh lap Phong quan ly tai san no va rui ro tai chinh tren co so nang cap Tieu ban quan ly va thu hoi cong no hien tai; + Nang cap 03 phong bao hiem khu vuc Bac Lieu, Tra Vinh, Dong Thap thanh 03 cong ty thanh vien PJICO de khai thac thi truong va phat trien uy tin, thuong hieu PJICO tai cac dia ban tiem nang nay.

6 + Kien loan Ban Tong giam doc. Bo nhiem them 01 Pho Tong giam doc phu trach mm vuc cong no theo de nghi cua c6 dong Ion Tap doan Xang dau Viet Nam. - Doi voi cong tac lao dong, tien luong: HDQT thuc hien giao ke hoach ve lao dong va tien luong cho Tong giam doc theo Quyet dmh giao ke hoach nam 2014 va giam sat viec thuc hien cong tac lao dong tien luong. Ket qua thuc hien ke hoach to chuc lao dong tien luong nam 2014 tuong doi tot: + So lao dong binli quan cua Tong cong ty nam 2014 la 1685 nguoi, map hon so voi dinh bien duoc giao 65 nguoi va giam 31 nguoi so voi so lao dong tu dau nam. + Thu nhap binh quan cua can bo nhan vien PJICO nam 2014 la: 9,5 trieu dong/nguoi/thang. Nang suat binh quan dat 1,27 ty dong/nguoi/nam (tang khoang 5% so voi nam 2013) Cong tac chi dao kiem soat chat che tai chinh: + Nam 2014, quan ly tai chinh ke toan cua Tong cong ty dang di vao ne nep va c6 chuyen bien het sue tich cue nhat la: HDQT da chi dao Ban dieu hanh thuc hien kiem soat tinh trang vugt chi phi cua cac don vi, c6 bien phap han che va xu ly che tai, ky luat nghiem minh doi voi cac giam doc va ca nhan lien quan den cac khoan vuot chi khong c6 ly do chinh dang cua don vi; Kiem soat chat che ho so boi thuong cua cac don vi, giai quyet boi thuong nhanh chong, thuan tien va dam bao cac quyen loi chinh dang cua khach hang theo diing quy dmh; + Doi voi cong tac quan ly cong no: mac du da c6 su chuyen bien theo chieu huong tot hon, my nhien tren thuc te chua dat duoc cac muc tieu cu the dat ra ve thu hoi cong no cu va kiem soat cong no moi, vi vay trong nam 2015 tiep tuc c6 cac bien phap cu the hon, quyet liet hon de cong tac quan ly cong no dat hieu qua cao hon. + Cong tac thuc hanh tiet kiem trong toan Tong cong ty tiep tuc duoc duy triva nang cao ve chat luong va tinh thiet thuc, hau nhu tat ca cac don vi deu da chu trong tinh toan tiet kiem moi chi phi hoat dong va duoc kiem soat chat che. +Tat ca nhung ton tai, khiem khuyet duoc kiem toan nha nuoc, kiem toan noi bo va cac doan kiem tra cua Tong cong ty chi ra phai duoc khac phuc va c6 bien phap xu ly dut diem Chi dao thuc hien cong tdc Ban tir: -T HDQT Phe duyet chi tiet ke hoach Dau tu tai chinh va dau tu xay dung, mua sam phuc vu kinh doanh ngay tu dau nam tren nguyen tac thiet thuc, hieu qua, tiet kiem va chong lang phi. + Nam 2014, Tong cong ty thuc hien cong tac quan ly chat che dong tien tai cac don vi, tap trung nguon luc tai chinh ve Van phong Tong cong ty thuc hien dau tu tap trung de dem lai hieu qua, loi ich cao hon. + Doi voi cac khoan dau tu chung khoan, HDQT da phe duyet ban c6 phieu VIPCO va c6 phieu Quy PGI de cu the hoa loi nhuan va thuc hien co cau danh muc dau tu thong. + Doi voi Dau tu xay dung tru so: Hoan thanh viec dau tu va dua vao su dung cac cong trinh xay dung tru so Hung Yen, Long An va Dong Nai.

7 + Doi voi du an CNTT: Day nhanh tien do thuc hien du an CNTT phan mem quan ly nghiep vu. Du kien den ngay 01/7/2015 phai tien hanh golive va ket thuc nam 2015 du an phan mem Premia cung phai hoan thanh va thuc hien cong tac nghiem thu quyet toan Cac cong tac khac: - Ban hanh Quy che tai chinh, cac Quy che khac tiep tuc thuc hien hoan thien cu the nhu sau: Quy che Dau tu hoan thien sua doi bo sung noi dung tren co so y kien dong gop cua cac thanh vien HDQT de thong nhat ban hanh (Quy che Dau tu da duoc ban hanh trong Quy 1/2015), Quy che To chuc lao dong - Tien luong, Quy che Kiem toan noi bo va cac quy che khac (neu c6) se duoc hoan thien de ban hanh moi hoac ban hanh lai trong nam Chi dao can doi nguon luc tai chinh, de tiep tuc thuc hien chuong trinh dao tao nguon nhan luc cap cao lau dai. Truoc mat trong Quy 4/2014 nghien cuu xem xet, bo tri cac lap dao tap va dao tao lai cac ky nang lanh dao va quan ly doi voi cac Pho giam doc, Giam doc cac don vi (neu c6 the bo tri duoc) de nang cao nang luc canh tranh cua PJICO qua nhan to phat trien nguon nhan luc. -Thong nhat trien khai phuong an tang von dieu Ie thong qua viec phat hanh c6 phieu rieng Ie la nha dau tu chien luge nuoc ngoai voi ty Ie von tang them toi da la 20% von dieu Ie Tong cong ty. Tong cong ty da to chuc, trien khai phuong an tang von va dang hoan thien thu tuc tim doi tac chien luge, phan dau den 30/6/2015 hoan thanh tim doi tac chien luge de thuc hien tang von dieu Ie. - Cong tac chuan bi cho Le ky niem 20 nam thanh lap Tong cong ty c6 phan bao hiem Petrolimex, Hoi dong quan tn dong y ve chu truong thuc hien theo tinh than to chuc trang trong, quy m6 phu hop voi yeu cau y nghta ket hop quang ba hinh anh va thuong hieu cua Tong cong ty. Nhan dip nay, de nghi Nha nuoc xet tang thuong Huan chuong Lao dong hang nhat cho Tong cong ty. - Tarn ung c6 tuc nam 2014 muc 5% de chi tra cho cac c6 dong bang tien. - Thong nhat trien khai chuong trinh bao hiem cho cac tau khai thac hai san xa bo, tau dich vu hau can khafthac hai san xa bo theo quy dmh tai NgH dinh so 67/2014/ND-CP ngay 07/07/2014 cua Chinh phu "Ve mot so chinh sach phat trien thuy san". Trinh Bo Tai chinh phe duyet trien khai Nhfrng han che cua HDQT trong nam 2014: Can day nhanh hon nua viec xay dung, sua doi, bo sung cac Quy che quan tri con thieu de dam bao hoat dong cua Tong cong ty tuan thu dung quy dinh cua phap luat va dap ung duoc yeu cau quan ly, quan tri cua Tong cong ty. 4. Ket qua giam sat doi VOT Tong giam doc dieu hanh: - Cac cuoc hop HDQT duoc to chuc theo dinh ky de danh gia va giam sat cong tac dieu hanh hoat dong kinh doanh nam 2014 cua Tong giam doc. Can cu bao cao so lieu kinh doanh va ket qua kiem toan nam 2014, HDQT danh gia Tong giam doc da dieu hanh kinh doanh barn sat cac chi tieu dinh huong cua Nghi quyet HDQT va dam bao tuan thu cac quy dinh cua phap luat, hoan thanh cac chi tieu ca ve mat khoi luong va thoi gian. Cac mat cong tac quan ly khac nhin chung dam bao theo quy dinh: cong tac sap xep ve to chuc hop ly, nang suat lao dong gia tang, dam bao can bo nhan vien theo dinh bien lao dong HDQT giao; cong tac quan ly tai chinh ngay cang on dinh va di vao nen nep;

8 - Doi voi hoat dong kinh doanh Tai bao hiem: Nam 2014, Tong giam doc da chi dao cong tac Tai bao hiem da c6 su chuyen bien ro ret, Tuy nhien qua y kien cua Ban kiem toan noi bo cho thay cong no tai bao hiem van con nhung han che can tiep tuc ra soat xem xet, cu the: cong no phi nhuong tai phai tra con Ion; hoat dong nhan tai nam 2014 van chua mang lai hieu qua. HDQT se tiep tuc chi dao Ban dieu hanh tap trung ra soat hoat dong tai bao hiem de ket qua kinh doanh tai bao hiem nam 2015 dat hieu qua cao hon. - HDQT giao cho Ban dieu hanh phoi hop voi cac phong ban HDQT som xay dung cac quy che quan tn: Quy che tai chinh; Quy che lao dong, tien luong; Quy che dau tu; Quy dinh ve hoat dong va to chuc cua cac don vi true thuoc. Gui toi cac thanh vien HDQT de xin y kien truoc khi chinh thuc ban hanh. Den thoi diem hien tai, do khoi luong cong viec qua Ion, vi vay moi chi hoan thanh Quy che quan ly tai chinh ban hanh ngay 10/3/2014, Quy che Dau tu ban hanh ngay 10/3/2015. De nghi Tong giam doc tiep tuc chi dao cac phong chuc nang phoi hop voi cac Ban cua HDQT xay dung cac quy che con lai hoan thanh trong nam Ket qua giam sat doi voi cac can bo quan ly khac: - HDQT chi dao Ban kiem toan noi bo thuc hien cong tac kiem toan Tong cong ty theo ke hoach da duoc HDQT phe duyet dau nam, dam bao tinh khach quan giup HDQT trong cong tac chi dao dieu hanh va canh bao nhung nguy co rui ro c6 the xay ra doi voi Ban Tong giam doc, cac Phong/ban van phong Tong cong ty, cac don vi va ca nhan lien quan trong he thong. - HDQT trieu tap hoac tham du mot so cuoc hop de thao luan, phan tich, danh gia, ket luan va c6 y kien chi dao de dam bao cac mat noi dung hoat dong cua Tong cong ty hoan thanh ca ve chat luong va thoi gian de ra. III. Phuwng huwng nam Tinh hinh chung: Theo dir bao cua cac chuyeu gia, nam 2015 Viet Kam tiep tuc duy tri toe do tang [i-u-6-ng lhap, lain phat: 0 trong fam kiem seat. Dau tu nirc-c ngoai gia tang, xuat khau la dong lye quan trong cho tang t.nro'ng kinh te. Mac du kinh te v? m6 da c6 nlumg dau hieu. tich cue nhu-ng sue mua cua thi. trucmg vsii chua tl-iirc sir khoi sac nhir kv vong. VI du. nhu' doi vcn ITnh vuc bao hiem xe co gioi nam so lirong xe 6 to do cac doanh nghiep thuoc liiep hoi Cac nha lap rap xe hoi tai Viet Nam (VAMA) ban ca tang 43% so voi 2013, nlumg doanh thu phi bao hiem xe co- gioi cua thi tmong bao mem phi nhan tho clu tang 5.6% so vcri cisng kv. Ben canh anh hircmg tir cac hoat dong giam phi, dac biel la v.iec gham phi cho cac chuo'ng trinh 'khuyen mat tang bao hiem cna cac hang xe 6 to, con so tang tnro-ng nay cung cho thay, cac chr. xc cu it mua bao hiem hon. Mat khac tinri hi'nh. bat on chfnh tn cua the gioi va gia xan.g dau. giant rnanh. chu-a c6 dau hieu phuc h6.i da anh huo-ng Ion den hoat dong va hieu qua kinh doanh cua "long cong ly. Uoc tiah phi bao hiem tir khach hang ion Tap doan xang dau Vief Nam nam giam khoang 60 tv done, day cung la doa.nh thu rat c6 chat lu'o'ng dem lai hieu qua cao doi v6i Tong cong ty PJICO. 2. Phu'o-ng hiro-ng hoat dfong cua HDQT nam 2015: 2.1. Ke hoach kinh doanh:

9 Tren co so phat huy nhung thanh qua cua nam 2014, Nam 2015 Tong cong ty tiep tuc kien dmh phuong cham chi dao " De cao chat luong kinh doanh, gan voi hieu qua dich thuc, giu vung on dmh - an loan de phat trien ben vung", voi cac chi tieu kinh doanh cu the nhu sau: + Tong doanh thu: ty dong, trong do doanh thu bao hiem goc: ty dong. + Loi nhuan truoc thue: 110 ty dong, trong do loi nhuan kinh doanh bao hiem : 12 ty dong. + Du kien chi tra c6 tuc muc toi thieu: 9%. Day la chi tieu toi thieu duoc xac dmh phu hop voi thuc te tang truong va nang luc cua Tong cong ty. Can cu cac chi tieu ke hoach nay, HDQT to chuc chi dao trien khai va giam sat tien do thuc hien ke hoach nam 2015 cua Tong cong ty dam bao dat hieu qua cao nhat c6 the Kg hoach dau tu': - Xay dung ke hoach chi tiet ve dau tu tai chinh, dau tu xay dung va mua sam phuc vu kinh doanh tren nguyen tac thiet thuc, hieu qua, tiet kiem chi phi va chong lang phi. Trinh HDQT phe duyet de to chuc thuc hien. - Can cu quy dmh tai Quy che dau tu da duoc ban hanh, HDQT, Tong giam doc quyet dmh viec thuc hien dau tu theo dung quy dinh cua Tong cong ty, quy dmh cua phap luat va trong pham vi tham quyen cho phep Ke hoach tai chinh: - Ra soat lai nguon von kinh doanh de xay dung ke hoach su dung nguon von. - Xay dung ke hoach tai chinh, xac dinli chi tiet cac khoan muc tai chinh su dung trong nam. - Xay dung ke hoach thu doi cong no, xoa no xau doi voi khach hang, dam bao trinh tu thu tuc xoa no theo dung quy dmh hien hanh; Tiep tuc kiem soat tinh trang vuot dmh muc chi phi cua cac don vi true thuoc. - Thuc hien trich lap day du du phong theo quy dinh cua Tong cong ty va cua phap luat, dam bao hoat dong tai chinh an toan, hieu qua. kinh doanh. - Xay dung ke hoach tiet kiem chi phi, chong lang phi de nang cao hieu qua su dung von 2.4. Ke hoach lao dong, tien lu-ong: - Xay dung ke hoach dinh muc lao dong va Quy luong ke hoach nam 2015 trinh HDQT phe duyet. Can cu ke hoach lao dong- tien luong duoc phe duyet, Tong giam doc to chuc thuc hien tuyen dung lao dong va phan chia tien luong thuc te theo quy dmh cua Tong cong ty va quy dinh cua phap luat. - Dmh muc lao dong cua Tong cong ty la : nguoi.

10 - Tien luong binh quan du kien nam 2015 la : 10 trieu dong/nguoi/thang. 3. Cac giai phap, dinh hwhig thu-c hien nam 2015: - Tiep tuc hoan thanh cac thu tuc theo quy dinh ve phuong an phat hanh c6 phieu rieng Ie cho c6 dong chien luge nuoc ngoai trong 6 thang dau nam 2015 de nang cao nang luc tai chinh va nang luc canh tranh cua Tong cong ty PJICO. - Tang cuong cong tac dao tao va dao tao lai tu cap lanh dao quan ly cho toi loan the doi ngu nhan vien trong toan he thong dat chuan, dap ung yeu cau ve doi moi nhan thuc, nang cao ky nang nghiep vu va dao due nghe nghiep, dat trinh do ngay cang chuyen nghiep. - Tiep tuc tim hieu, nghien cuu xay dung de an trien khai to chuc danh gia he so tin nhiem theo tieu chuan quoc te. Hoan thien cac noi dung danh gia tin nhiem nhu: Du lieu tai chinh, Du lieu nghiep vu, He thong cong nghe thong tin, cac van de ve von,... - Nam 2015, huong trong tarn chuc nang cua Phong dich vu khach hang ya cac Phong nghiep vu de tang cuong chuc nang tham muu, nang luc quan ly nham cai each rut ngan thu tuc doi voi khach hang ca ve khau khai thac va boi thuong trong toan he thong. cong ty: - Tiep tuc duy tri, nang cao chat luong quan ly, quan tn doi voi moi mat hoat dong cua Tong + Trong nam 2015 cung voi viec Luat Doanh nghiep 68/2014/QH 13 c6 hieu luc thi hanh, can cu cac van ban huong dan cua Nha nuoc, HDQT tiep tuc chi dao viec sua doi Dieu Ie Tong cong ty cho phu hop voi quy dinh cua phap luat. + Thuc hien soat xet, xay dung, ban hanh quy che lao dong tien luong,, quy che hoat dong cua cac cong ty true thuoc, Quy trinh thuc hien hoat dong dau tu cu the giua cac phong ban lien quan de xac dinh trach nhiem ro rang, minh bach cua tung cap quan ly trong noi bo Tong cong ty. + Tiep tuc thuc hien cong tac kiem tra, giam sat va xu ly kip thoi de han che muc map nhat nhung sai sot va rui ro doi voi hoat dong kinh doanh, hoat dong tai chinh cung nhu moi mat quan ly cua Tong cong ty; + Nang cao chat luong che do bao cao doi voi moi mat hoat dong cua Tong cong ty, dam bao kip thoi ve thoi gian va do tin cay cua so lieu bao cao. + Tap trung ra soat, phan tich, danh gia hoat dong kinh doanh Tai bao hiem, thuc hien nhung giai phap cu the de dam bao hoat dong kinh doanh Tai bao hiem c6 hieu qua. +Tiep tuc ra soat, danh gia, phan loai va xu ly cac loai cong no ton dong, no xau,... de dam bao tinh hinh tai chinh cua Tong cong ty thuc su lanh manh. + De ra cac giai phap de cham dut tinh trang vucrt chi phi dinh muc cua cac don vi, xu ly trach nhiem doi voi cac to chuc va ca nhan lien quan de xay ra tinh trang nay. 10

11 + Hoan thanh va sdm dua chuong trinh phan mem quan ly nghiep vu Premia vao su- dung tren toan he thong, nang cap co so vat chat ky thuat cong nghe de thuc hien quan tri doanh nghiep theo huong hien dai. - Dam bao can doi loi ich mot each hop ly, toi da cua cac c6 dong tren CCT so phat huy khai thac dong lire lam viec cua can bo nhan vien thong qua viec cham lo den song can bo nhan vien ca ve mat vat chat va tinh than. Kink thiea. cac Quy c6 Swig vu Quy w Bai bieu! Trai qua mot nam Say kho khm th&ch thuc, Vdi sy k@t, nhat m; no hec ciw Can bo nhan vien. trong tow? he thong, long cong ty PJICO SS hoan thank W torn dien he hoach kink doanh nam 'Ben cmih fikwig iw hrc tw than, TQng cmsg ty bao PJICO Imn luon nhan ttwc sy ung ho, gmp dff tick cue cua Qiiy khach hang, Quy co Song. Thay mat Sao long cong ty, toi xin gin tm Qiiy Khach hmg, Quy co long bist on s&u. sac va mong rang tisp Sue nhan itivffc sy ung ho haft swa cua Quy co Song trovig nam va nhi'mg nam tiep theo. Xin trail trong cam an va chuc Dai hoi thanh cong tot dep! TM. HOI DONG QU 11