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BO MAO DUC DAO TAO TRUtING D4I HQC MANG LONG —o0o KHOA LUAN TOT NGHIEP DE TAI GIAI PHAP NANG CAO CHAT LUCiNG THAI * VI DINH TAI CHINN DU' AN DAU TU TRONG HOST DQNG CHO VAY TA! NGAN HANG THU'ONG MAI CO PHAN SAI GON - HA NO CM NHANH BAC NINH DAI HOC THiANG #1_0861 7111.1 V1p4 MA SO: Giao vien hurting dan : ThS Nge IChinh Huyen Sinh vien time hien : Lining Minh Phuung MI sinh vial) : A16313 Chuyen ngenh : Nglin Hang HA NQI - 2015 la CAM ON Vai long biet an salt sic, em xin clan thenh cam on giao vien Ths NO Khanii Huyin di t$n tam huong den em de hoar thInh bIi ichert Itujn tot nghiep Nhir so chi bito vi huang din t$n tlnh curt c8 em dg nhln m duqc nhirmg hon the dm mirth di kip Uteri stilt chart him hoan thin Idles luau mOt cach tot that Em ding xin gtii 18i cam an chin den can be than vien caa ngen hang Thucmg mai co phin Sai Gen - Ha NOi chi nhanh Bic Ninh da nhiet tlnh gifip der va to dieu kien cho em duqc thoc te#p toi day Cuii cling em xin chin that'll cam an din cac thiy co b0 mon Ngen Himg truing Doi hoc Thiing Long da gin tlnh trig& dot kien thin cho em suit thin gian hqc t$p tui twang Em xin chin thhnh aim an! Sith vien _AL Luang Minh Phuang Thang Long University Library LEI CAM DOAN Em xin cam doan Khali lukin tot ngbiep la to ban than thvc hien co sv h8 trq tir giao vien hirerng din vi khong chop cac cong trinh nghien ciru dui ngubi khac Cac du lieu thong tin dui cip sil dim; Khoo Mn IA co nguOn goic vi duqc trich din re ring Em xin chju hoin tan trich nhiem ve lei cam doan nay! Sinh vien Luang Minh Phircmg MVC LVC DANH MVC CAC Ti! VIET TAT DANH MVC SUDO, BANG BLEU IA MO DAU CRUC%NG LY LIWI CHUNG VE CHAT WONG TRAM DINH TAI CHINH DV' AN DAU TI! TRONG HOOT BONG CHO VAY CUA NGAN HANG THUONG M.I 1.1 Rout dung cho vay cis ngin Wang throng mai 1.1.1 Khii nifm cho vay cum ngin ding thirong msi 1.1.2 Alc dam cda cho vay 41 ngin ping thurmg msi 1.1.3 Vai trd cda host Ong cho vay 1.1.3.1 Val trd doe vat nin kinh ti 1.1.3.2 Dei vai hoct ddng cita ngdn himg 1.1.3.3 Dili vol khdch hang 1.2 Thim gab tai chinh dy in din tw boat dung cho vay cua ngin hing throng 1.2.1 Khali nifm thim djnh tii chink dy in din fir 1.2.2 Myc dick vi et Bella cda thim djnh Si chinh dg in din hr 1.2.3 Quy trinh thEm ?link dg in din to 41 ngin king thweng 1.2.4 NO dung cda thEm dinh Si chinh dir in au fir 1.2.5 Host dung thEm dials tii chink dy in diu fir host Ong cho vay cum ngin ping thurmg msi 1.2.5.1 Theim djnh tAng mac dau twva nguan tea try cho du an 1.2.5.2 Thdm djnh doanh thu, chi phi ctia Mr dn 10 1.2.5.3 Thim djnh tj, suit chili khAu "r" cid die an 11 1.2.5.4 Therm djnh dong tan king tulm 13 1.2.5.5 Tam djnh the chi lieu tai chink 14 1.2.5.6 Thdm djnh rcii ro die eh: 16 1.2.5.7 Alm djnh kith ?tang trd nq mia dtr dn 16 1.3 Chit Inwng thim djnh tii chinh dg in din hr bong host dung cho vay cilia ngin tang thwong mai 17 Thang Long University Library 1.3.1 Khii niem chit &Ting thim djn6 tai chinh dg in diu tw 17 1.3.2 Cic chi lieu phin inh chit lung thins dinh tali eighth dye in din tir 17 1.12.1 Thai gian thcim dinh 17 1.3.2.2 Lqi nhu4n rang IV hag d(mg cho vay dir an 18 L12.3 Ng qua hqn va l'e nct qua 1km Iran Icing du nv cho vay dg an 19 1.3.3 Cic nhiin ti inh hitting din chit iwyng thin djnh tii chinh dy Au tw Nhan td cha quan in 20 20 1.13.2 Nhan Mulch quan 23 CHITONG TIII/C TWIG CHAT LU'QNG THAM DJMI TM CHINA DU AN DAU TIT THONG 1104T HONG CHO VAY CiJA NGAN HANG THUONG M4I CO PHAN Sil CON-HA NOI - CHI NHANH BAC NINTH 25 2.1 Ting plan vi hold ding cis Ngin hAng throng mai co phin Ski Gin Hi NOi - chi nhinh Bic Ninh 25 2.1.1 Lich sfr hinh thinh vi plat triin cda Ngin hing thweng mpi ci phin 511 Gin - HI - chi Dinka Bic Ninh 25 2.1.2 Ca ciu ti chic vi nhin sy 28 2.1.3 Nhierng kith khan vi tin*, 10 cis Ngiin hang throng mpi ci phin Sii Gin - Hi NQi - chi nhinh Bic Ninh 29 2.1.4 Kith quit host Ong kink doanh cda Ngin hang throng phin phin 511 Gin - Hi NOT - chi nhinh Bic Ninh 1110 ci 30 2.1.4.1 Hogt clang huy clang von 30 2.1.4.2 Hogt dang cho vay vifn 32 2.1.4.3 Hogt dOng khac 33 2.1.4.4 Kit qua hoat slang kink doanh 35 2.2 Thor ho; t ding thin djnh tki chinh dg In diu tar hoot ding cho vay tsi Ngin hAng throng mpi phin phin Ski Gin - HI N¢i - chi nhamh Bic Ninh 36 2.2.1 Quy trinh thing dinh tai chinh dy in din fir t9i Ngin tang throng mpi ci phin phin Sii Gin - Hi N¢i - chi nhinh Bic Ninh 36 2.2.2 Nfi dung thim djnh tii chinh dy In diu tsr host Ong cho vay cda Nein hong thwerng mpi phin phin 511 G6n - Hi NO chi nhinh Bic Ninh 38 a 2.2.2.1 min: djnh vi tong mac van ddu to vet cdc ngu On tat try cling nhtt phttang thew tai try 39 2.2.2.2 Thdm djnh chi phi,Ivi nhuan va dong tiin aid At dn 40 2.2.2.3 Xcic djnh IS) suit chat kW:it "r" coo die dn 40 Thdm djnh ve hieu qud tai chinh va khti ndng trir no &to dv an 2.2.2.5 Thdm djnh khd ndng rut ro coa At dn 40 41 2.2.3 Tinh hinh thim djnh Si chinh dy in diu tsr host Ong cho vay tsi NOB Ming thwerng mpi phin phin Sai Gbn - HI Nui chi nhinh Bic Ninh 42 a 2.2.3.1 Giai thieu chung ve khdch hang 42 2.2.3.2 Thong tin vi quan he vii Sc to chtk tin dung va quan yeti SHB 45 2.2.11 Dcinh giot phttang an kinh doanh 45 22.3.4 Thdrn djnh tat chinh dean diu to 47 2.23.5 Thtim djnh Ted san dam ha° 55 2.2.3.6 56 kiln di xutit coo phOng kluich hang doanh nghiep 2.2.4 Thyc cho vay dy in diu tsr tpi chi nhinh SIM Bic Ninh 57 2.3 Dinh gii vi chit Iwyng thim djnh tii chinh dv in diu tw tei Ngin hing thuong mei di phin phin Ski Gin - Hi Nei - chi nhinh Bic Ninh 57 2.3.1 Nherng kit qui Jet dust 57 2.3.2 Nhiing km chi 58 CHUONG MOT SO GIAI PHAP NHAM NANG CAO CHAT LONG THAM DINH TAI CHI NH Dki AN DAU TIr T41 NGAN HANG THUONG MCI CO PHAN SAIGON - HA NQI - CHI NHANH BAC NINH 61 3.1 Djnh hiring cis ngin hing thwang mpi a phin Ski Gin - Hi NOi - chi nhinh Bic Ninh 61 3.1.1 Djnh hiring chung 61 3.1.2 Djnh haying vi hopt dung thint djnh tii chinh dy in diu tw 61 Thang Long University Library 3.2 MOt st giii phi') nhim ning cao chit luvng thim dinh tki chinh dy in din hr ugh hing throng mai ci phin Ski Gin — Hi NOl — chi nhinh Bic Ninh 62 3.2.1 Gill phial) vi fluid 62 3.2.2 Gill phip vi phwung phip thim dinh 63 3.2.3 Gill phip vi gnu If, diiu birth 66 3.2.4 Gill phip tang twang thu th#p vi za• If thong tin 67 3.3 Kit Irvin clurcrng !CET LU4N PHV LVC TAI Lieu THAM MIA° 68 DANH MVC cAc Ti! WET TAT Kt hien vitt tit tan dity HDQT Hen ding quail trj IRR TS, suit hoan yin nii bi NHTM Ngan hang thucmg mai NH TMCP Nglin hang thircng mai co phin NI-INN Ngan hang Nha nu& NPV Gia tri hitn di rang Thang Long University Library DAM! MtJC SO DO, BANG BLEU So d6 2.1 Cos cau t6 chile va nhan so curt SHB chi nhanh Bic Ninh 28 Bang 2.1 Tong huy dung von tai SHB Bic Ninh 30 Bang 2.2 Co ciu huy dOng von ta SHB Bac Ninh 31 Bang 2.3 Tinh hinh cho vay von tai SHB Bic Ninh 32 Bang 2.4 TS, le nq qua han Lai SHB Bic Ninh 33 Bing 2.5 Cac hoot dOng khic tai SHB chi SIAM Bic Ninh 33 Bang 2.6 Bari car) ket qua hoot dOng kinh doanh til rdirn 2012 — 2014 35 Bing 2.7 Danh sich co doing sang 14 Cong ty CP QNK Bic Giang 43 Bang 2.8 Nhem khich hang as lien quan 44 Bang 2.9 Hien sir dong det cua an 47 Bang 2.10 Tong mix von diu to cna dv an 48 Bing 2.11 Doanh thu kien ctia toan b0 an 49 Bang 2.12 Chi phi kien ctia Wan b0 an 50 Bang 2.13 Lqi nhuon kien caa than b0 dv in 51 Bang 2.14 Deng tien caa imbibe' an 52 Bang 2.15 Hieu qua tai chinh caa toan bi) dv an 53 Bang 2.16 Ke hooch tra nq g6c vi lai vay 54 Bang 2.17 Ke hooch giii ngAn vim vay nein hang 56 Bang 2.18 Ty le nq qua han cho vay trung dii han tai SHB Bic Ninh 57 la MO DAu Tinh cep thiet can di di Ngfin hang thuong mai di tan tai va phit trier hang tram, hang nghin nam gin lien yeti sy phit trier kinh to hang Ma Sy phit trier cis nem hang thuong mai dA c6 tic dOng at lin va quan tong den s r phit then cda nen kinh to hang haa, nguqc lai kinh to hang hem phit thin mph me den giai dogn cao nhit la kink to thj throng thl ngan hang thuong mai ming theo di ma ngly cang hoan thien va fro than!, nhemg djnh the tai chinh kh6ng the thieu cia mOt nen 'chili te Chic riling trung gian tai chinh duqc xem la chic ruing quan nhit cia ngfin hang thuong mai Khi thyc hien chic Wing trung gian tai chinh, ngiin hang thuong mai ding vai trb la cau n6i giUa ngtroi thia van va ngubi c6 nhu au ve yin Val chirc clang nay, ngan hang thuong mai vira deng vai trb la riguili di vay, vira ding vai trb la ngtrbi cho vay va Wong lqi nhufm la !chain chenh lech gifts lAi suit elm vay va lai suit nhlm g6p phin tao lqi ich cho tit tit ck it them gia: ngtrbi giri tier va ngueri di vay Tai ngan hang thuong mai, hot dOng cho vay la hoot dOng chtl yeu tao doanh thu vi Iqi nhuk cho ngan hang, deo cho vay theo dy in diu to chiem mOt ty Ig khong the tong doanh so cho vay caa ngan hang Tuy nhien thai ky hien nay, ma tinh hinh kinh to the giii yin chug ducat in djnh keo theo rat ntiliu he lyy, nhieu doanh nghiep da IA phi sin nhing am gin day din den Nganh ngan hang cling khong the tranh khei nhing khe khan nhing doanh nghi'ep khong du kha nang de chi tra cho cac khoan vay Chinh vi voy, de dam bao hog dOng kinh doanh edit minh ngan hang an phiti nang cao chit Itrong thim dinh tai chinh dv in diu to de e6 the lya chon dirge dv in tat trinh xay rii ro gay thit thoit cho chinh minh XuAt phat tilt nhu ciu cap thiet tren kat hop vii qui frith hoc gip tpi tnri.mg Dpi hoc Than Long va qui trinh thyc t$p tai phang khich hang doanh nghiOp ngan hang thuong mai c6 phin Sai Gen — Ha NOi — chi nhanh Bic Ninh em da chon de tai: "Giii phip nang cao chit lugng thtun dinh tai chinh dv an diu to hog dOng cho vay tpi ngin hang thuong mai cis, past Sai Gen — Ha NOi — chi nhinh Bic Ninh." Myc den nghien cfru Th8ng qua qui trinh nghien thu, khia lu#n t$p trung lam r6 ba myc tieu sau: — Mac tieu 1: Lam r8 co so 19 luon ve chit luong thim dinh tai chink dv in du to hoat dung cho vay caa ngan hang thuong mai — Myc tieu 2: Dinh gia chit lucmg thim (firth ill chinh dy An diu to hoot Ong cho vay tai nein hang thuong mai c6 phin Sai Gen — Ha NOi — chi nhinh Thang Long University Library — Viec tinh toan doanh thu, chi phi cea chr an nhim ho trq cho viec xac djnh ding den cita du an Doi ved m6i du an can be thim djnh an xay dung bang luu chuyen lien te, d6 phan Judi cac khoan doanh thu, chi phi, cac &mg tien vao cea dir an Khi xac djnh deng tien rang dm du an thi can be them djnh can phai luu y den gia trj cue nha xtremg, may m6c thiet bj c6 the thu hoi tai nhe 15, ket thfic di; in Deng lien nay, cling yeti gia trj thu h6i cim vein luu dOng rang se duqc cOng vao clang lien vita cue du an nam can cac chi tieu tai chinh dang duqc ap Thfr ba: chi nhanh can tim hieu, rd soat dung quy trinh thium djnh tai chinh du an dau to de phat hien cac hen cht va hoan thien cac phuong phi" them djnh tai chinh du an dau tu Chi nhanh an c6 he th6ng chi tieu lien quan den gia tri cue den theo thai gian dAy da han Bit IcS, chi tieu nao cling c6 uu va nhtnyc diem rie'ng Chi ap dung dong b0 vao he thong cac chi tieu thi meri c6 the fling cao chat lugng thim djnh tai chinh der an dau tu din den cac ket qua thim djnh, danh gia hqp IS/ han, logic han vi c6 cu se vOmg chic hon 3.2.3 Gidi phdp vi qudn if, &in hen& Mac de vOi mo hinh to chat va cach quan Ijr nhu hien nay, SHB Bic Ninh da hog dOng met cach kha hieu qua Nhung tren thirc te, de giam bat theri gian them djnh tai chinh du an cling nhtr nang cao ham ntta chat liging thim djnh tai chinh du an an phai c6 nlittng thay d6i ca ve hinh thirc quail 15 , va me hinh t6 chirc cho phu hqp veri tinh hinh hog dOng hien Tar& heel, ngoai hog dOng kinh doanh n6i chung cue chi nhanh thei gian thi cling can phai xay dung chiming trinh, nhiem vv, ke hooch cho ding tic thim dinh tai chinh du an, nhtmg van phai dim bao phe hqp yeti khuon kh6 djnh huerng hoot dOng cue town he thong NH TMCP Sai Gen — Ha NOi Dieu to ca sir cho chi nhanh hien hog dOng thim dinh du an cue minh thimh met the moth m8i tru?mg canh tranh hien Thueng xuyen tien hanh t6ng ket, danh gia tinh hinh sau m6i thei k3' va de ke hooch cv the cho giai down sau Ben canh de, phai to duqc su gin ket gifra cac pheng ban, gitta cac can be thim djnh qua trinh thuc hien thin' dinh tai chinh du an Dieu c6 y nghia quan frog viec nang cao chit Itrqng thim djnh tai chinh du an dau tu DOng died, an phai t6 chirc lirn viec theo nh6m, nhiim mvc dich de ngtrei c6 nang luc, nhieu kinh nghiem, htreing din, gifip der nlifmg can be tre, nhoy ben nhtmg chua cei nhieu kinh nghiem M6i nheim se chuyen tranh ve tang UM vac rieng, nhu xay lip, cling nghiep, dien tar de th6ng tin thu thop duqc hit hen va dua cac nhen xet, danh gia sau sic 66 Thang Long University Library hem, thyc to hon ThuOng xuyen trao dei Sr lcien, thao IOU gifra cac nhom, cac phong de b6 sung hoim thien nhiing thieu s6t nett co 3.2.4 Gidi phdp tong cuing thu tit& vd xi thong tin Ngay nay, thong tin dirge sir dung nhu mOt nguen lyc, mOt vu mai trtremg earth tranh Cfic to chat kinh to n6i chung, cac ngan hang nii rieng phai sill dung thong tin cang nhieu de tang 'tang lye, Ling hieu qua hoot dOng va dem lei lqi ich cho nen kinh to cling nhu cho ngan hang Trong tong tic thim djnh tai chinh dy an, thong tin cang dOng vai fro quyet djnh din chat lugng them djnh Thong tin cung cap chinh xitc, kip thin se giiip cho hieu qui them dinh cao him, lion chi dirge rii ro c6 the xay ra, thong tin khong cep nhot se lam quyet djnh cho vay dm nein hang N hen chi Do viy, viec xay dyng, cimg c6 phat trien he thEing thong tin dam bao cung cap chinh xac, kip then, day dii, cac thong tin phvc VO cong tic them djnh la yeu cau cap thiet elm nein hang Trong suet qua tranh them djnh nhOmg thong tin lien quan din di; in phiti duce cung cap *it ckh nhanh ching, kip that Hien nay, cong tac them dinh an mOt se, thong tin quan tying chit yen nhtr: - Thong tin ve kinh to xa hOi: DO la nhitng chit truang, chinh sich phat then cue Ding va Nha nuk Ngoai viec nim bit cac djnh hiring phat trien kinh to nha nuac, can clic biet quan tam den nhing quy djnh dm Nha nu& lien quan den Milt Arc Mu tu ma can 60 tam dinh phai nim chic la: Quy djnh ve dy tom win Mu to va xay dyng; quy djnh ve du thau; quy djnh ve m8i truOng; quy djnh ve quy hooch kien true va xay dyng; quy djnh ve the dO tai chinh dEd vett timg loci hinh doanh nghiep; quy djnh ve the dO khan hao tai sin et, djnh; quy djnh ve thue; quy djnh ve mien giant, uu dal, 116 try vi khuyen khich du tu - Cac thong tin ve tai chinh ngan hang: Day la nhing thong tin cyc 16/ quan trgng, lien quan trqc tiep den chat lugng them djnh tai chinh dy in cue chi nhanh Thong tin ye se lugng tic doanh nghiep sin xuat cling loci sin pham ding mOt khu we thi twang; mire cau ve sin pham ding looi nam; mire cung thyc to ve sin phim cling loci nam; thong tin ve gii ca, thi throng tong nuerc va qu6c te, kim ngoch xuat khan nhing nam qua, quy hooch ke hunch du tit, djnh hthing phat trien 60, neinh xic djnh va cong 66 De co dirge khei lugng 16n thong tin vai chit lugng tot thi can 60 them dinh can phai c6 stir chuan bj, to chirc cac cueic ',hong van mOt each chu dao va nghiem dm ket hgp vai Icy Wing quan sat va giao tiep tot Ben wilt d6, chi nhanh cling di the thu chop thong tin ve doanh nghiep tir tic nguen khic nhu tit phia cac bon hang, d6i tic cue 67 doanh nghiep, hay dieu tra tit cic nem hang, t6 chirc tin dung tram Ida timg c6 quan h6 voi doanh nghiep hoac nhtr sir trq gi6p caa ac cong ty kiem toan Chi nhanh cling can phai xay dung vi hoan thien he thong thu thap, xi: 19 th8ng tin ve thj truemg, khach hang Ben curt do, chi nhanh cling an phat thin he tilling thong tin tir ben ngoii theo huemg mei qua h6 thong mung th8ng tin, tarn thong tin nu& va qu6c Day li met nguon thong tin rat an thitt ma chi nhanh an tang artong hqp tic v6i cac NHTM, the be, nganh, ac co quan, to chirc khac de khai thac vi tan dung thong tin De thuc hien duqc nhang dieu dei hal chi nhanh an phai trang N met he thtmg cong nghe thong tin hien dui duqc ket not met mach tan hg thtmg Chi nhanh nen nghien dm (mg dung ac phan mem tin hue d6 munh ye quail 19, luu hit, phan tich vi truyen tin nham dim bio tinh chinh 'tic cilia thong tin phuc vu cho cong tac thim djnh 3.3 Ket lutn diming Tit awe trung cho vay du in du to vi cong tac than djnh tai chinh dkr in du to tai NH TMCP Sai Gen - Hi NOi chi ['Minh Bic Ninh giai clop 2012 - 2014 vi kien dirk duqc hoc Uri twang Dui hqc Thang Long Trong chuong 3, em da dua met so giiti phap nham nang cao chat luqng dram djnh tai chinh dkr an du to hoot Ong cho vay tui NH TMCP Sii Gen - Ha Ned chi nhanh Bic Ninh 68 Thang Long University Library KET LUAN Trai qua gait 22 nim hoot dOng, NH TMCP Sai Gen — Ha NOi di Wing ngimg phat trien, nang cao va khing dinh vi the dm mink De dap ?mg duqc nhu Cu phat trien math me dm nen kink to nhu hien nay, met nhemg yin de an quan tam hang dau dm NHTM neri chung cling nhu NH TMCP Sai Gen — Ha NOi thi rieng la phai 'neon luon ning cao chit luqng thim djnh di chinh dv an Tuy nhien, met van de phac tap can phai c6 sv nghien can va thvc hien ding b40 vtg.ri nhieu phuang phap khac Tren ca se nghien dm 19 thuyet va qua thei gian thvc tap tai NH TMCP Siti Gen — Ha NOi — chi nhanh Bic Ninh, em di phin it hieu dirge nOi dung thiun djnh tai chinh di; an hoot dung cho vay ciut ngin hang thuang mai Sau dua phan tich ve thvc chit lucing thim djnh di chinh du an du to host dOng cho vay tai SHB chi nhanh Bic Ninh, em di math dan dua met so giai phap yr% by vqng c6 the ning cao ducic chit lutyng thkm djnh tai chinh dv an du to tai rieng vi them djnh di/ in an chung Em xin chin cam an giiing vien: Th.s NO Khdnh Huyin la co gift° di huang Mn va chi Ho tin tinh em qua trinh holm thien khoa luin Wing then em cling xin chin cam an den tom bi) an b0, chuyen vien phong khach hang doanh nghiep — SHB chi nhanh Bic Ninh di &up der em qua trinh thvc tip tai ngin hang va hoan thien WU viet Do thei gian thvc tip va ki'en thirc thvc to han the nen qua trinh both thien Hi viet khong the tranh khoi nhUng sai set, khiem khuyet can sira chfta, khic phvc Em rat mong thin duqc stir d6ng Op tir they co cling toan the can b0, chuyen vien ph?mg khach hang doanh nghiep — SHB chi nhanh Bic Ninh de giap em holm thien Mt hen khea lu$n cea minh Em xin chin thinh cam an!!! PHV LVC Bio ket qui hoot dung kinh doanh nom 2012 Ngfin hang Thuong mai c6 phan Sai Gon — Hi NOi chi nhanh Bic Ninh Bao ket qui hog dOng kinh doanh nom 2013 Ngan hang Thucmg mai c6 phin Sii Gim — HI NOi chi nhinh Bic Ninh Bao kit qua hoar dOng kinh doanh nom 2014 Nein hang Thircmg mai c6 phan 81i Um — Hi NOi chi ntilmh Bic Ninh Bing can 6i Ica roan nom 2012 Ngan hang Thucmg mai c6 phan Ski Um — HA NOi chi nhanh Bic Ninh Bang can dei ke roan nom 2013 Ngfin hang Thucmg mai c6 phan Sli Gon — HI NOi chi nhanh Bic Ninh Bang can dei ke roan nom 2014 Ngan hang Thircmg mai c6 phAn SkiGen — HA NOi chi nhanh Bic Ninh Thang Long University Library SHB parlrver, NGAN HANG TMCP Si! CON - HA N01 CHI NHANH BAC NINH BAO CAO KET QUA HOOT HONG KINH DOANH Mint 2012 Chi din STT I II HI IV Thurkip III Iii vk cac khan thu nhop Wang ty Trong 66: Thu Ili diIu von Chi phi Ili vi clic chi phi wog tu Ili Trong 66: Chi Ili dilu von Thu aMip it than Thu nhiep tit hoot Ong dick vy Chi phi hogt Ong dick ve LIS than tit boot Ong dick int Laid than ti hoot dang kink dunk mg* it& I11/16 than tir mut bin eking khan kWh donut LM/I6 than tk mat bin eking khan din in Thu Mop ter hoot (long khic Chi phi hoot Ong khic Lit/!8 than ti but thing khic Thu nblep tk g6p van, mita a phis Chi phi hoot daft Lot sheen titan tir hoot dans Mali Amok trait cbi phi thy phing rii ro tin dung Chi phi dtg &tong rill ro tin dont X XI Tang lqi BM* Mott that Chi phi thug TNDN hien hilith tern tinh Chi phi thug TNDN holin lei XII Chi phi that TNDN tom tisk XIII Iqi nbu$n can that V VI VII VIII ~S 14P Win PTP Kt toin Trang - NI= 31/12/2012 10,907,262,069 10,763,536,444 5,044,963,140 587,306,849 5,862,298,929 13,918,369 331,281,313 (317,362,944) 13,058 - Nim bulk 31/12/2011 - 4,736,456 4,736,456 5,060,703,896 - 488,981,603 - 36,830,392 452,151,211 452,151,211 - Bdc Ninh, nghy 05 thong 01 mbn 201 Glint ac 1101 SHB phd portnns floxiblr olohons NGAN HANG TMCP SAI Gem - HA NQI CHI NHANH BAC NINH BAO CAO KEPI' QUA HOST BONG KINH DOANH nun 2013 Chi din SIT I I II HI IV Thu nh$p ill Ili IA cic !chain thu nh$p tuong ts Trong do: Thu Ili didu von Chi phi Ili vi cic chi phi Wong is Ili Trong de: Chi Ili &au von Thu nh$p lid than Thu nh$p tit host dOng djch vs Chi phi host dOng djch vs Mal than Br boat dOng dick vy Lila than ti boat Ong blab death nyoyi MU LiWai Chain ti man bin &keg Mamba kiab doaab Nim Sy 31/12/2013 64,311,531,166 48,480,358,616 51,802,449,507 12,036,523,638 12,509,081,659 448,431,162 244,865,303 203,565,859 119,325,767 - Nitm trade 31/12/2012 10,907,262,069 10,763,536,444 5,044,963,140 587,306,849 5,862,298,929 13,918,369 331,281,313 (317,362,944) 13,058 - V VI VII VIII 61,653 13,500,001 (13,438,348) 4,736,456 4,736,456 9,894,794,104 5,060,703,896 2,923,740,833 488,981,603 2,080,489,874 843,250,959 36,830,392 452,151,211 843,250,959 452,151,211 LIMO than ti inn bin arty khan din tw Thu nh$p ti host gong khic Chi phi host dOng khic Lida than ti boyt dOng khic Thu nh$p ti g6p von, ma* cilj) chi phi hoyt (14)ay 41 auk thaw ti hoyt Ong Mai doanh not chi phi dq phony ril ro tin Amoy CM phi dq phony rii ro tin dyng X XI Tong 191 abate trade that Chi phi Uwe TNDN hiln hanh tom tinh Chi phi thue TNDN holin Isi XII Chi phi thai TNDN tam flab XIII Lqi sham as that Li)p ban PTP Kt tan - Bic Ninh, 06 Meng 01 mbn 2014 Glint doe Thang Long University Library S y bil Pi e , SHB • flexibly •ilitilicxx• NGAN HANG TMCP SAI GON - HA NO' CHI NHANH BAC NINH BAO CAO KET QUA HOOT BONG KINH DOANH Nom 2014 Chi deo STT I I II III IV Thu nhop tir 18i vi the khan thu nhip Wong to Trong 46: Thu Ili dieu von Chi phi lei vi the chi phi tuong to Iii Trong 46: Chi Ili day vein Thu ship Iii tim6Thu tillep tir hoot Ong djch vy Chi phi hoot ding djch va Lila than tir hoot ding dick nt LIW18 than tir hoot Ong Mph drank agogi hili 1,111/18 tbalia tir mn ► bin then Muria With daub LIMB than Ur man bin citing Morin du to Thu nhip a hoot Ong khic Chi phi host dons lchic Liting than tir hoot Ong Iduic Thy BM* tir gip vein, mum a phis Chi phf hold 110eg Loi nhafin than tir host ding kink drank trait chi phi dy phing rii ro tin dung CM phi dp hang rii ro tin ring X XI T ng bpi nhafin but thug Chi phi thue TNDN hien hinh tam firth Chi phi thug TNDN hall lai XII Chi phi thug TNDN turn dub XIII Loi Mu* um thug V VI VII VIII Nilo say 31/12/2014 221,191,876,731 36,004,851,967 169,624,345,397 140,511,323,928 51,567,531,334 805,318,385 266,827,120 538,491,265 199,172,814 64,034 31,636,368 (31,572,334) 10,551,806,829 M 41,721,816,250 15,463,041,328 26,258,774,922 26,258,774,922 Nita trunk 31/12/2013 64,311,531,166 48,480,358,616 51,802,449,507 12,036,523,638 12,509,081,659 448,431,162 244,865,303 203,565,859 119,325,767 61,653 13,500,001 (13,438,348) 9,894,794,104 2,923,740,833 2,080,489,874 843,250,959 843,250,959 Bbc Ninh, 12 thdng 01 *run 2015 4p but VIP id toes Trang Glint dite :ink I 1,1 SHB BAO CAO TAI CHINH mAu SO soncip , 11.1, NGAN HANG TMCP Sil GON - HA NQI CHI NHANH BAC NINH BANG CAN DOI ICE TOAN Nam 2012 Don vi rink VND STT cubit mini CHI TIED 31/1=012 TAI SAN Tan mgt, van bac, di pit Tien gil tal NHNN l'ai , Wing gtH tql Sc TCTD Ithic vi dm vay cite TCTD HI khic Tian, yang gal tai cic TCTD kW Cho vay Sc TCTD khic Dv phong rill ro cho vay clic TCTD kit& IV Ch'ing khoin kinh iamb Ching moan With doanh Dv phOng glint gilt cheng khoin kinh doanh V Cic tong cy tilt chfnh phid sink vi tic til sin tit chink khic VI Cho vay 'chick bang I Cho vay khich hing Dv phong rii ro cho vay khich hang VII Chera khoin dim dr sing bin to Ching khoin Ching khoin diu to gift din dao hen Dv phong ft1iM gii chfing khoin diu to VIII QV von, dill Dr did has I Diu to vim dog ty Von g6p lien doanh Diu to vio Ong ty lien kit Diu to dui hen kW d16-1— di han Dv phonggiim gilttu IX Til sin c6 Anil TM sin co eh Mu hlnh a Nguyen gid 7SCD Wu lank b Hao man 7SCD Iglu hirsh Tii sin OS dinh thug di chinh a Nguyen girl 7SCD b Hao man 7SCD Tii sin c45 it'll, v6 Mb a Nguyen Oa 7SCD yd hitt!: b Hao man 7SCD wi hinh X Bit deng sin din tif a Nguyen gilt BDSDT b Hao BDSDT X TM sin C6 kW I Cie khoin phii thu Cic khoin Hi, phi phii thu Tii sin thus TNDN hoin lid TM sin C6 Iduic Cic khoin dv zhing Ali ro cho cic tai sin C6 neti bin* khic TONG TAI SAN CO A I II BAH NAM 31/12/2011 1,537,681,420 83,122,734 - - 11,240,649,015 - 11,277,479,407 (36,830,392) - - - - - - - 2,958,769,899 2,958,769,899 3,875,460,795 - (916,690,896) - - - - 149,675,235,162 - 797,369,480 35,123,914 - - 148,842,741,768 - 165,495,458,230 Trang Thang Long University Library - B NO PHAI T1RA VA VON CHU SO HOU I Cie khoin aq Oda phi vi NIINN 11 Tao gird vi vay cia clic TCID kW I Tian gai eta citc TCTD khitc Vay cfic TCTD kluic HI Tan giri cia Mach bin Cie co tid chish plaid slab vi the kboia my tit &fob IV kilt Von tit try, ay thee du tar, elm vay ad TC1'D pal dip rid ro VI PM heath slay Ur e6 ski VII Cfc khan Nq kW Cac Ichoin Ifti, pig phii int Thus TNDN han bpi phii trit C8c Ichoin phiti tril vi dog nq Ichic Dv phOng nil ro kW T6ag Nq phii 15 VIII V6a vi tic quy I Von cia TCTD a Kin didu le b Kin dilu ttaDCB c 770ng du vcfn a pan d Ophdu qui e Co phi& uu dal g VIII Von khdc Quy alit TCTH I _ - 950,205,729 813,115,272 137,090,457 165,043,307,019 452,151,211 - - - - Chenh Itch ty gia hei doll Lgi nhugn cluta OM pal dau a Lqi icb cisrc6 i i tL 452 151,211 165,495,458,230 cue! NAM 31/12/2012 Chi Mu Ned* vy nq film An Bio Utah vay von Cam kit nghiep va L/C Bao Bah Idalc L$p ban - - - - 111,A VA VON Olt So IltrU TONG NO PHAI I 164,093,101,290 _ - Chenh tech &A Igi di sin STf - - - MU NAM 31/12/2011 - - Kt Tam Truing Trang Bac Ninh, 05 thing 01 nom 201 Glint Dec M SHB sAo cAo TA! claim MAU SO sorra, S.11,1 p.ittrIvr, NGAN HANG TMCP SAI GON - HA NQI CM NHANH BAC N1NH BANG CAN BOI ICE TOAN Nom 2013 Don W fink VliD STT CHI T111.1 Val SAN di gut nen met, viol TiettnNHNN Tian, yang gM toi nee TCTD kluic via elm vay the TCTD III kb/se Tien, wing gni tai clic TCTD khan Cho vay cac TCTD khic Dv phting rtli ro cho vay clic TCTD thee IV Ching khoin kink dash Chirng khoin kinh doanh Dv pheng giitm gilt chung khoin kinh doanh V Cho song ca di chfah phAi shah ye ak thi sin tit eldah Moe VI Cho vay khEch hang Cho vay Minch fling Dv phOng nli ro cho vay kh1ch hens VII Chdag khoin aie to Chung khoin ditu to An sting di ben ChOng khoin diu to gitt den new deo kin Dv pheng Q6m gin chang }loan diu to VIII Gep via, a tw did hen DR to vio cons ty Von g6p lien doanh Diu to cling ty lien kit Diu to dal hp khgc Dv phOng • gii ditu to dei hip IX TM sin c6 dink Tel sin có djnh lieu hinh a Nguyen Rid 7SCD hail hinh b Hao men 7SCD hitu hinh TM son co eh thug di chinh a Nguyen gad TSCD b Hao man 7SCD TM sin c6 dinh hInh a Nguyen Rid 7SCD vii hinh b Hao man TSCD vti NM X Bit dOng sin dim to a Nguyen gilt BDSDT b Hao mon BDSDT X TM sin CO khle Cic khoin phil thu Clic khoin 18i, phi phil thu TM dm thui 'INDN ban lai TV son C6 kb& Coo khan dv zhang nli ro cho ctic di son C6 nei bing Ichic TONG TAI SAN CO A I L- 11 CUOI NAM 31/12/2013 MU NA1 31/12/201 3,254,799,300 13,063,044 - 1,537,681,421 83,122,734 - 282,058,178,158 283,975,524,263 (1,917,346,105) 11,240,649,01: 11,277,479,40 (36,830,39 2,218,837,841 2,218,837,841 3,659,261,295 (1,440,423,454) 93,623,886,206 820,563,497 941,864,088 91,861,458,621 381,168,764,549 Trang Thang Long University Library - - 2,958,769,89 2,958,769,89 3,875,460,79 (916,690,89 149,675,235,U 797,369,48 35,123,91 148,842,741,76 165,495,458,22 NQ PHAI TRA VA VON CHO SO HUD Cie kiwis ay ChM pini vi NHNN Tao girt va vay cis cfelfCTD khic Tien gin cola ale TCTD Iduic Vay de TCTD kW TIM girt tea Welt bang Cie any coy di eblob phil slab vi tic kiwis ay tit emir IV Mk V6a tat troy, this My ttr, ebo vay oh TCTD Odd dila rid ro VI Plat hints gily Br co Oh VII Cie kiwis Nq kbie Cie Ichoan Ili, phi phii trio Thut TTIDN hoan tai phiti Ira Cic khoin phii In vi deg nq Ilk Dy pbtong rfti ro kW Tong Nq phil tri VIII Vila vi aie ply Win cola TCTD a Kin dau ire Kin Ai to t)CDCB b ThOng du von a I pittin c d Cayhtiu quit e CdphiEu yu Jai g Vin kluic Quy cola TCTD ChAnh lea doinh gill lyi tai sin ChB& Itch ty giA h6i doh Lqi nhuan chits plain ph6i VIII WI felt cis c6 a, MS a TONG NO PHAI TRA VA VON CHO SO H(CU B II III I - 164,093,101,29( - 4,447,631,874 4,186,032,383 - 950,205,721 813,115,27, 137,090,45' 165,043,307,01! 452,151,21 : - 61,405,680 200,193 811 380,325,513,590 843,250,959 - - - 843,250,959 452,151,21 381,168,764,549 165,495,458,23 BAD NA 31/12/20 - CUOI NAM 31/12/2013 23,988,101,062 Chi tan STT - 375,877,881,716 Ngbla vy ag dint An BA° Huth vay von vy L/C Cam bet iron n Woo Bah khac - 11,201,333,424 12,786,767,638 Bdc Ninh, nery 06 thilng 01 Wing 2014 Lep ban Ki Toro Trainee Trang Gam Dec ICJ SHB BAO CAO TAI CHINE MAU SO s02/Pa 11,xil,11 11.111.1tIE111` NGAN HANG TMCP Ski GON - HA NO1 CHI NHANH BAC NINH BANG CAN DOI ICE TOAN Nam 2014 Don W sink 1W! Cid T1EU STT TAI SAN di Ilia mit, via T a gii WI NHNN Tan, via' gid tal tic TCTD tithe vi dm vay tic TCTD khic • rid de TCTD khic Tien, at TCTD Id* Cho DV tag& nii ro cho v atc TCTD Mc Ching khoin kWh cloak Chin: khoin kinh doanh Dv phong elm RS chttng khoan kink doanh V Cie tang cy thl chink phi( sink vi cic di sin di chink Mak VI Cho vay khich hi khach Cho Dv in nli ro cho va lchach hail VH Chin kiwi' a tor to sin 1 Chin Moan i y, &to hen to Ch lchoan Dv laza: L4 ti 1.1 chit khotin S to VIII 1G6 v i a, ■ tit diikaa to vio an i g i lien doanh V, : at vin lien k to dal' hart khic tu dii ban Dv h t 14 III I IX TM Ma , dish Tii sin • I Binh hOu hlnh a N en • TWO Irftu lank b Hao men- TSCE1 kilo hitth Tii din d , I thud di chinh a N en z 'd 7SCO A I II III IV I Hao man TSCD dfnh ve kWh , a TSCl2 vo hinh a b Hao men 7SCD ve NM ding sin ■ Or a NLi.■ en 14i BDSDT b Hao men IIDSDT X Til sin C6 khic • thu Cie khoin Coe khoin Illi, phi phai thu Tel sitn that TNDN holn Lai TM sin C6 khic ac khan dv pheung rai ro cho abc di sin C6 nil bang khic TONG TAI SAN CO TM sitn n N C1301 NAM 31/12/2014 DAU Nk 31/12/201 3,288,936,440 47,768,044 3,254,799,30 13,063,04 - 2,238,490,693,969 2,256,071,055,563 (17,580,361,594) 1,705,728,506 1,705,728,506 3,659,261,295 (1,953,532,789) - 282,058,178,15 283,975,524,26 (1,917,346,10 2,218,837,& 2,218,837,& 3,659,261,21 (1,440,423,4: - - - - - - - - - 131,962,465,148 756,487,435 130,093,437,307 1,112,540,406 2,375,495,592,107 Trang Thang Long University Library 93,623,88641 820,563,41 941,864,01 91,861,458,6' - 381,168,764,5 B I I1 111 NQ PHAI TRA VA VON CHO SO 11011 Cie khan aq admit phi vi NI1NN Tile glIi vi vay eta tic TCTD khic Tien gin clia cac TCTD khic Va etc TCTD 'chic TI a g64 cis khich hi IV Cale dog cy tit chink phii s1ah vi tic Wain di chink khic - 525,475,776,539 Vila tid try, a that die tw, the vay ata 'MID Sid chin rii ro Milt blab gi#y tif ad gli Cie Moist Ng khic Clic khan lii, pad phi! Irk That TNDN ban lai pith tri Cic Moan phii Iri vi cans nq khic Dv phong rai ro khic V og Nu phil tri Me VIII Von vi tic qui Veal caa TCTD a Kin eau 10 b Von taw ts e XDCB V VI VII Tit0sg du win cd pan Cd hi& qv" c d e Quy clia TCTD Chdah tech dint' gii lai nil dm Mali lech ty gilt 1161 doiti Lqi Swan chua phis phot VIII Lid kb cis ca de" thiia siS TONG NO PHAI TRA VA VON cat SO net Chi STT tie• Nghla vy off SE in Bio Ranh vay v Cam kit Vous nghilp Al VC Bab !Bah khic Lip Neu 1,823,761,040,646 5,377,819,893 1,818,379,124,710 4,096,043 2,349,236,817,185 26,258,774,922 - 4,447,631,87 4,186,032,38 61,405,68 200,193,81 380,325,513,59 843,250,95 - - - - - - Ci Neu itu dlti V khdc g 375,877,881,711 - 26,258,774,922 843,250,95 2,375,495,592,107 381,168,764,54 31/12/20 23,988,101,01 - 23 582,120,926 11,201,333,C 138,557,808,413 _inn Ki Tenn Truing Trang MU NA OLIN NAM 31/12/2014 162,139,929,339 - Giim Bic 12,786 g TAI LI$U TRAM KHAO PGS.TS Luu Thi Huang (2004), Thim dinh tai chinh dv an - NXB TM chinh PGS.TS Luu Thj Huang (2005), Tai chinh doanh nghiep - NXB Th'Ong ke TS Phan Thj Thu Ha (2004), Ngan himg thircmg mgi - NXB Thong ke GV Nguyin Wing Nga, Slide Phiin tich va lap At an deb —Khoa Kinh Te - Quin 19 Dai hoc ThAng Long Chfnh phi' Viet Nam (siva d6i 1:4 xung nam 2010) - Luck aic to chic tin dung Ngan hang Thuong mai co phan Sai Gen — Ha N0i, Quy trinh thilm dv an dau tv, HANOI Ngan hang Thuong mai c6 phial Sai Gan — Ha NOi, Quyit dinh se; 130 HDQT 2006 quy chi to chuc va hogt tang caa chi nhanh, Ha NOi Ngan hang Thuong mai c6 phan Sai Gen Ha NOi chi nhanh Bic Ninh, Ado kit qua hogt clang kinh doanh nam 201Z Bic Ninh Ngan hang Thuong mai c6 phial SM Gen HA NOi chi nhanh Bic Ninh, Bcio kit qua - - hogt clang kinh doanh nam 2013, Bic Ninh Ngan hang Thuong mai c6 phin Sai Gan Ha NOi chi nhanh Bic Ninh, Belo kit qua hogt tang kinh doanh nam 2014, Bic Ninh Ngan hang Thuong mai c6 phan Sai Gen HA NOi chi nhanh Bic Ninh, Bang can doi - - ki toan ni,: 2012, Bic Ninh NgAn hang Thucmg mai c6 phan Sai Gen ki wan nam 2013, Bic Ninh Ngan hang Thuong mai c6 phan Shi Gen ki tam nam 2014, Bic Ninh - - Ha NOi chi nhanh Bic Ninh, Bang can dai Hi NOi chi nhanh Bic Ninh, Bang can ddi Thang Long University Library