NgAn hdrng Thuong m4i Cd phAn Viet A B5o c6o tdi chfnh cho ndm k€t thirc ngay 3I thdng 12 ndm 2009 Ngin hing Thuong m?i Cd phnn Viet A Thdng tin vd Ngin hing GiAy ph6p NgAn hing si5 12A{HNN-GP IIQi tl6ng Quin tri ngdy 9 th6ng 5 ndm 2003 GiAy phdp NgAn hdng do Ngdn hdng Nhd nudc Vi6t Nam cAp vd c6 gi6 tri trong 99 ndm k6 tu ngdy cAp, Ban Gi6m ttiic Trg s0 dnng ky Cdng ty ki6m tofn D6 C6ng Chinh TrAn Qu6c HAi Phan Vdn T6i Nguy6n Vdn Thanh LAm Tri€u Ddo ?fc NghTa Nguy6n Thi Phpng Phpm Duy Hung Phpm Nggc DQ V6 Vbn Khang Nguy6n Thi Thu Hanh Nguy6n Quy Hfing Nguy6n Nhon Mai Ly Dd Hodng ThiQu 119-l2l Nguy6n C6ng Tru Qupn 1, Thdnh ph6 H6 Chi Minh ViQt Nam C6ng ty TNHH KPMG ViQt Nam Chir tich Ph6 Chri tich !v vi€n !v vi6n VY vi6n Vv vion Uy viOn T6ng Gi6m d6c Ph6 Tdng Gi6m d6c Ph6 Tdng GiSm cl6c Ph6 Tdng Gi6m cl6c Ph6 T6ng Gi6m tl6c Ph6 Tdng Gi6m cl6c Pho Tong Gidm cl6c I ,.! '"'J *l N tM KPMG Limited 10'h Floor, Sun Wah Tower 1 1 5 Nguyen Hue Street District 1, Ho Chi Minh City The Socialist Republic of Vietnam eAo cAo cuA KrEM ToAN vrfiN Doc LAp Kinh giri cric Cd tl6ng Ngin hing Thuang m?i C6 phin Viet A Telephone +84 t8) 3821 9266 Fax +84 (8) 3821 9267 lnternet www.kpmg.com.vn Ph4m vi ki6m torin Chring t6i dd ki6m to6n bing cAn cl6i k6 to6n clinh kdm cria NgAn hdng Thucrng mai Cd phAn ViQt A ("NgAn $ng'l) tai ngdy 3 1 th6ng 12 ndm 2009 vd b6o crio k€t qu6 ho4t dQng kinh doanh vd b6o crio luu chuy€n ti6n td li6n quan cho ndm ttSt ttrric cirng ngdy vd c6c thuy6t minh kdm theo. ViQc lAp vd trinh bdy c6c b6o c6o tdi chinh ndy thuoc tr6ch nhiQm cira Ban Gidm rt6c Nedn hdne. Tr6ch nhiOm cira chring tdi ld clua ra 1i ki6n v6 cac b6o c6o tdi,chinh ndy cdn cri tr6n t6t qua ki€m lo6n cria chring t6i. C6c b6o c6o tdi chinh cho ndm tdi chinh ktlt thric ngdy 3 1 th5ng 12 ndm 2008 cria Ngdn hdn[ drrgc mQt cdng ty kitSm to6n kh6c kiiSm to6n. Trong bdo-ciLo kitim to7n ngity 25 thdng2 nim 200i, do kh6ng th6 thu thAp duoc c6c bing chring ki€m todn v6 co s6'xric dinh dg phong giam gi6 dAu tu ddi han cria NgAn hdng, cdng ty ki€m to6n ndy cl5 clua ra y kii5n ngoai trir ue anfrluOng crta cdc cli6u chinh, n6u c6 vd c6 th6 cAn thi6t, t6i c5c b5o c6o tdi chinh ndy, liCn quan t6'i du ph-dng gi6m gi6 dAu tu ddi h4n. Sau d6, trong c6ng vdn gui Ban Gi6m cl6c NgAn.hdng dO ngay 14 th6ng9 n6m 2009, c6ng ty kiem to5n ndy da k6t lu{n rang NgAn hdng kh6ng cAn thi6i ph6i-lflp dy phong gi6m gi6 cldu tu ddi han t4i ngdy 3l thSng 12ndm 2008 vd b6o c6o tdi chinh-n€u tr6n cl6 phdn 6nh trung thgc vd hqp tv tinh hinh tdi chinh tpingdy 31 th6ng 12ndm 2008 vd k6t qu6 hoat ddng kinh doanh cho ndm ket thric cr)ng ngdy cria NgAn hdng. Chring t6i ctd thgc hi6n c6ng viQc ki6m toiin theo c6c Chu6n mqc Ki6m to5n ViQt Nam. C6c chuAn muc ndy y6u cAu chring tdi phAi lQp kt5 hoach vd thuc hiQn c6ng vi6c ki6m to6n di5 c6 duoc su d6m b6o hqp ly ring b6o crlo tdi ahinh ftrOtrg chri'a dung c6c sai s6t t-rqng yt5u, C6ng vi6c ki6m to6n bao gdm viQc ki6m tra, tr6n co sd chon mdu, c6c bing chirng x6c minh cho c6c # li6u vd c6c thuy6t trinh trong b6o crlo tdi chinh. Cdng vi€c ki6m to6n cfrng bao.g6m vi6c d6nh gi5 c5c nguy€n t6c-kr5 todn ducvc rlp dpng vd c5c u6c tinh trong y6u cta Ban Gi6m cl6c Ng6n hdng, cfing nhu uigr eann gia c6ch trinh bdy t6ng qu6t cira chcb6o c6o tdi.chinh. Chirng tdi tin iang cOtig viQc-ki€m to6n d6 cuig cAp nhfing co s6'hqp lf ldm cdn cf cho j ki6n cria chirng tdi. Y t<ion ki6m todn Theo y ki6n cria chring tdi, c6c b5o c6o tdi chinh dd ph6n 6nh trung thuc vd hgp ly, tr6n c6c khia canh trong y6u, vd tinh hinh tdi chfnh cta Ngdn hdng Thucrng mai i6 phAn Vigi a (';Nga.n hdLng,') tpi ngdy 3l thdng 12 ndm 2009, k6t qud hopt ctQng kinh doanh vd ciic ludng luu chuyi5n iien t9 cho ndm kdt thric cirng ngdy,. phr) hqp v6i c6c ChuAn muc K6 to6n ViQt Nam, H6 thOng fC to6n Vi6t Nam 6p dung cho c6c Td chr?c tin dung vd cdc qt1y itinh vd k6. to6n li6n quan khdio NgAn hdng Nhd nudc Vi6t Nam ban hdnh vd c5c nguy6n tdc ktl to6n ph6 bi6n duoc Vi€i Nam chAp thu{n. DAu tu s6: 011043000345 s6: 09-01-505 it iC- to6n vi6n sO O:O+II(TV chi ki6m toSn vi6n sti NtOZgmrv !.g-an hins Th_u'ong mai c6 phdn vigt A MAu B02/TCTD ll9-l2l Nguy6n Cdng Trri, QuAn l, @an hdnh,fi:" gryat irn Thlrnh pn6 uo thi Minh, ViQt Nam I6/2002/eD-NHNN ngdy I8 thdng La, )ooz;io7;i;;;;; Bing cdn A6i t6 toan tai nghy 3l th6ng t2 ndm2009 Ngdn hirng Nhd nu6,c ViQt Nam) Thuyrit 3t/12t2009 minh \rND 3u12t2008 VND A rAr s.q.N I Tidn m{t, virng vir ttf quy II Ti6n gui tai NHNNVN III Ti6n giri vi cho vay cdc t6 chric tin dgng kh:ic t I len gul Cho vay Chring khodn kinh doanh Chirng kho6n kinh doanh DU phdng gi6m gi6 chfng kho6n kinh doanh Cic cdng cg tii chinh phrii sinh vi cric tiri sin tdri chinh khdc Cho vay khrich hing Cho vay kh6ch hdng Du phong r[ri ro cho vay khrich hAng I Chrfng khodn tIAu tu Chirng kho6n clAu tu sin sdng Oe Uan Chfng khoSn dAu tu giu'ct6n nghy diio han Du phdng gitm gi6 chfng kho6n rlAu tu DAu tu ddri han EAu tu ddi han khdc Tii sin cii Cinh Tdi sAn "6 Oinn hfru hinh Nguy€n gid Gid tri hao mdn tW ke Tdi sdn c6 dinh v6 hinh Nguy€n giit Gia tri hao mdn tily kA Tii sin cri kh:ic C5c khoAn phdi thu C6c khodn lii, phi phii thu Tdi s6n c6 kh6c TONG TAI SAN 3 2.043.548.t76.394 1.150.302.711.522 4 2t6.235.979.921 242.384.448.687 s 615.131.419.437 1.356.169.473.161 608.131.419.437 1.356.169.473.161 7,000.000.000 6 t37.072.736566 78.393.994.t32 142.648.084.871 155.153.535,714 (s.s7s.348.305) (16.1s9,541.s82) 7 27.415.100 lt.919.394.811.004 6.573.283.482.633 8 12.041.s04.811.004 6.632.574.482.633 e (122, I 10,000.000) (s9.291.000.000) 10 172.s93.6s0.000 286.923.600.000 18.200.000.000 187.510.050.000 156.057.650.000 99.413.550.000 ( 1 .664.000.000) 1t 163.200.986.919 180.041.750.919 163.200.986.919 180.041 .150.919 291.687.336.280 149.396.070.163 12 168.891 .207.099 91.361 .670.174 191.141.105.571 108.857.598.516 (28.249.898.472) (17 .495 .927 ,7 42) 13 122.196.129.181 58.034.399.389 126.ss4.914.891 59.180.414.901 (3.7s8.84s.710) (1,146,01s.s12) 2s7.832.4s4.859 2s9.001.093.430 t4 n7 .t23.969,447 t66.348.464.239 63 .070. B3 1 ,3 65 80 .405 .724 .7 83 l5 17.637.654.047 12.246.904.408 1 ! i \ I 2 IV 1 2 VI 1 2 \rI 1 2 3 VIII 4 Ix I ct b 3 a b XI I 2 4 15.8t6.724.966.480 10.27 5.896.624.647 cdc thuyh minh dinh kdm td bQ phQn hop thdnh cdc bdo cao tai chfnh niry Ngin hing Thuong m4iC6 phin Vigt A M6u 802/TCTD ll9-l2l Nguy6n Cdng Trrl, Qugn l, (Ban hdnh tnro giyet inn Thinh ptrii nO thf Minh, ViQt Nam t6/2007/QD-NHNN ngay t 8 thdng 4 ndm 2002 ",,;oTiang ait Bing cin CiSi ni6 toan t4i nghy 31 thing t2 ndm 2009 Ngdn hdng Nhd nu6c ViQt"Nam) (tii5p theo) Thuy6t 3l/12/2009 minh \rND 3l/12t2008 VND VI I J 4 B Nq PHAr rnA v.q, voN cHU so HUIJ Ng PHAI TRA II Ti6n gfri vi tidn vay tir cic t6 chrfrc tin lG dgng khric I Ti€n grii UI Tidn gfri cia khrich hdrng V V6n tii trq, riy thic tlAu tu, cho vay t6 chrfrc tin dgng chiu rrii ro I Cfc khof,n nqkhic Cric kho6n l6i, phi phdi tr6 C6c khoAn phii trA vd cdng ng kh6c DU phdng nii ro cho c6c cam k6t ngoai b6ng T6NG NO PHAI TRA vON crru so nUIt VIII Vdn vi cdc qui 1 V6n a Viin c6 phiin c Thfrng duviSn c6 phdn g V6n kfuic 2 Chc qujr 5 Lqi nhu6n chua phAn ph6i TONG VON CHU SO HUU rONc Nq PHAr rnA vn v6N cnu so rrOU 533.285.208.802 1.087.007.961.402 533 .28s .208.802 t .087 .007 .961 .402 l7 10.809.533.459.157 7.447.585.242.911 18 19.956.000.000 t9 2.739.100.s35.844 300.891.837.496 132.470.9s8.951 207.s22.077.614 2.605.392.s76,893 92.854.759.882 1.237.000.000 51s.000.000 r4.101.848.621.803 8.83s.485.04r.809 I .s22.119.03 8.945 r.515.336,910.000 6,768.800.000 13.328.945 80.951.363.119 llt.779.360.613 t.366.616.988.945 L3s9.834.860.000 6.768.800,000 t3328.945 42.136.560.483 31.658.033.4r 0 t.7t4.849.762.677 1.440.411.582.838 15.816.724.966.480 10.27 5.896.624.647 Ngdn hhng Th_u'ong m4i C6 ph6n Vipt A MAu B02/TCTD ll9-l2l Nguy€n Cdng Trri', Qugn l, (Ban hdnh theo euydt dinh Thlrnh ptr6 HO Chf Minh, ViQt Nam I 6/2007/QD-NHN\{ ngqy I8 thdng 4 ndm 2007 ,,;oTiari aa, 861S cAn COi t<6 toan t4i ngdry 3l thring 12 ndm 2009 Xgan hdng Nhd ru.r6'c ViQt"Nam) (ti€p theo) I 2 3 II 2 cAc cni rrnu NGoAr BANG cAn uor KE ToAN NGHIA W Nq TIEM AN Thu tin dpng 86o l6nh khrlc CAM XNT XUAC Hqp d6ng mua b6n ngo4i tQ chua cl6n h4n Thuy6t 3utztz}}g minh \rNE 3t/12t2008 VND 68,190.616.586 26.771.928.161 110 .432 .7 45 .447 49 .7 87 .901 .684 4. r 87.985. 100 Nguoi lvlAft ?010 i9${$i #6^r n,q*;"}i?\ :F4I/OSJG fu'l.{l}c t$ CC} F$4AI.I -el ytH,T -&,/s \ -/.s'):l ?:};;r-cut" // HuVnh Ptl,Kmao ka ,od, ri*6/ NgAn hdng Thuong m4i C6 phdn Vi6t A ll9-l2l Nguy6n Cdng Trri', Qu$n 1, Thdrnh ptr6 UO Chi Minh, ViQt Nam Biio c6o k6t qud ho4t ttQng kinh doanh cho nIm k6t thrfc ng]ry 3l thhng 12 nim 2009 1 Thu nhAp ldi vd c6c khoAn thu nhpp tucrng tU 2 Chi phi l5i vh c6c chi phi tucrng t1r I Thu nhfp lf,i thufln 3 Thu nhpp tu hopt dQng dich vp 4 Chi phi ho4t cl6ng dich vu II Lfli thuffn tir ho4t itQng dich vg ilI Lfli thuAn tir kinh doanh ngo4i hiii vir ving IV Leil06) thuAn tir mua bfn chrfrng khofn kinh doanh V Lfli thuAn tir mua b6n chring khodn dAu tu 5 Thu nhAp tu hoat d6ng kh6c 6 Chi phi hoat ddng kh6c VI Lfli thuAn tir hopt ttdng khdc VII Thu nhflp tir g6p riino mua cd phAn VIII Chi phi ho4t tlQng Lqi nhufn thuAn tir ho4t tlQng kinh doanh trufc chi phi dq phdng rfri ro tfn dgng Chi phi dq phdng rti ro tin dgng T6ng lqi nhufln trudc thu6 Mdu 803/TCTD (Ban hdnh theo Quy€t dinh l6/2007/QD-NHNI,,I ngay I8 thdng I ndm 2007 cua Thiing dric Ngdn hdng Nhd nu6'c Vi€t Nam) Thuy6t 2009 2008 minh \rND VND 21 1.015.236.883.002 1.031.748.833.694 2t (665.38s.041.931) (833.025.871.s7s) 2t 349.851.835.071 198.722.962.119 22 26.968.506,613 9 .07 1 ,325 ,316 22 (e.303.67e.664) (6.e23,7 4e.020) 22 17.664.826.949 2.147.576.356 23 77.321.730.929 84.272.520.777 24 87.433.349.680 (39.811.189.186) 3.116.400.000 1.159.175.282 11.578.420.827 (127.6s0.430) (43.601.38e) 1.031.524.852 I1.534.819.438 25 14.670.549.147 27.415.609.849 26 (213.492.816.s02) (1ss.392.8s9.r41) 337,,597,400,,126 128.889.440.212 (39.298.000.000) 9, t9 (63.541.000.000) 274.056.400.126 89.591.440.212 IX f_ga1 hale Thuong m4i c6 phAn viQt A M6u B03/TCTD lll-t.2t Lgyyfl9:lg. r^i, Qufln l, @an hiinh theo euyiit dinh Thinh phd Hd Chi Minh, Vi$t Nam 16/2007/QD-NH\'\N ngay t8 thdng 4 ndm 2007 cria'fiong aac Riio ciio ktit qui ho?t ttQng kinh doanh lVgan hdng Nhd nw6.c Vi€t Nam) cho ndm ttit tnric ngiy 3l th6ng l2 nIm 2009 (ti6p theo) 7 XII 531 28 209.995.004.881 72.182.207.710 1.542 Huj,nh vnu$t,ao Ke toary,fruntn{: 1 il l,tAR Z0tCI ,'s t ri tJ ), Thuy6t minh Chi phi thu6 thu nhfp doanh nghi6p hiQn hdnh 27 Chi phi thuti thu nhfp doanh nghiQp 27 XIII Lcri nhuf,n sau thu6 XV Lfli ccr bin tr6n cd phi6u 2009 VND (64.061 .395.24s) (64.06t.39s.24s\ 2008 \T',{D (t7 .409 .232.s02) (17.409.232.s02) 31'gl00lcu. bt^ ;tlru:i; o*}i'T 4 Duy Hung MAu B04ITCTD NgAn hirng Th_ucrng m?i c6 phin ViQt A (Ban hdnh theo euyilt dinh ll9-l2l Nguy6n Cdng Trf', Qu$n 1, 16/2007/QE-NHNN ngdy 18 thdng 4 ndm 2007 criaThiing diSc Thinh phd Hd Chi Minh, viQt Nam Ngdn hdng Nhd nudc vi€t Nam) 86o c6o luu chuy6n ti6n tQ cho n5m k6t thrlc ngiy 3l thflng12 n5m 2009 2009 \n{D LUIJ CHUYEN TrtN TU HOAT DONG KINH DOANH 01 Thu nhAp ldi vd c5c khoin thu nh6p tuong tu nhdn duoc 2008 \TND 02 03 04 05 07 08 Chi phi ldi vd c5c chi phi tucrng tg dA tra Thu nhflp tir ho4t tlQng dich vp nhfn dugc Ch6nh lqch s6 ti€n thr,rc thu ttr ho4t ctQng kinh doanh ngo4i tQ, vdng vd chtng kho6n Thu nhpp kh6c Ti6n chi tri cho nhAn vi6n vd ho4t tlQng quin lyf Ti6n thui5 thu nh{p doanh nghiQp tl5 nQp Luu chuy6n tidn thuAn tir ho4t ilQng kinh doanh trufc nhirng thay it6i vG tdri sin vdr c6ng ng ho4t tldng Nhfrng thay tt6i vd ti,i sen ho4t ilQng -, ). Ti6n gui vd cho vay chc td chric tin dgng kh6c Chring kho6n kinh doanh vd chring kho6n dAu tu C6c c6ng cg tdi chinh ph6i sinh vd c6c tAi s6n tdi chinh khSc 12 C6c kho6n cho vay kh6ch hdng 14 Tdi sAn hopt dQng kh6c Nhirng thay tl6i vd cdng ng ho4t itQng l5 C6c kho6n ng Chinh phri vd NHNN Vi€t Nam l6 Ti6n grii vd ti€n vay tir c5c td chuc tin dung khdc 11 Ti6n giri cria kh6ch hdng 19 C5c khoAn vdn tdi trg, iry th6c, dAu tu cho vay td chfc tin dUng chiu rrii ro Cdng ng hoat tlQng kh6c Chi tt c5c qu! vd c6c kho6n chi kh6c LUU CHUYEN TrtN THUAN rrl HO4r DQNG KINH DOANH 1.032.57 1.77 6.420 1.043.790.059.297 (7 40.436.166.s94) (833.02s.946.626) 17.664.826.949 2.147.516.3s6 98.35 1 .281332 121.220.873.r73 531 .s24.852 I 0.99 1 .8 I 9.43 8 (197.63r.822.349) (147.61s.162.449) (3r .026.827 .968) (61 .ss9 .82e .412) r80.024.s98.642 135.949.389.777 09 10 11 284.000.000.000 125.171.400.843 (27.4rs.100) (5.408.e3 0.3 28.37 r) (42.076.er4.r33) 904.000.000.000 (219.0s 1.991 .s l9) (868.429.7 63.613) (4.134.6t7.823) 2I 22 (ss3.722.7 sZ.OOOI 3.361.948.2t6.246 19.956.000.000 2.493.123.7 13.257 (9.896.80',1 .s92) (41 .880.302.988) (2.166.498.869.312) 2.870.781 .692.341 76.595.420.575 ( l8,3 00,2s6.496) 449.569.711.192 669.036.700.882 Miu 804/TCTD Ngin hdng Th_uong m4i c6 phdn viQt A @an hdnh theo euy€t dinh ll9-l2l Nguy6n Cdng Trri, Qufln l, 16/2007/QD-l{Hl{N ngdy 18 thdng 4 ndm 2007 cuaTiAng a6c Thinh pn6 UO Chi Minh, ViQt Nam tvg,jn hdng tVhd nw6c Vi€t-Nctm) Brio c6o luu chuy6n ti€n tQ cho nrm tct ttrric ngiy 3l thing t2 nim 2009 (ti6p thei) 2008 VNE 2009 \T',{D LUU CHUYEN TrEN Tu HOAT DQNG nAU rU 01 Mua sfm tdi sdn c6 Ainn 02 Thu ti'thanh lyi tdi s6n cd dinh 07 Chi g6p v5n, dAu tu ddi h4n 08 Thu tu b5n thanh l1i dAu tu ddi han 09 C6 tric nh4n cluoc II LUT CHUYEN TIEN THUAN TU TTOAT DONG DAU TII LUU CHUYEN TIEN TtI TTOAT DONG TAI CHINH Thu tu phdt hdnh co phitiu Chi trA c6 tric LUU CHUYNN TTNN THUAN rrl rrOAr D9NG rAr cHiNH LUIJ CHUYEN TIEN THUAN TRONG NAM TIEN VA CAC KIIOAN TTIONG DI.TONG TIEN OAU XAVr TIEN VA CAC KHOAN TUCING DTIONG TrEN CUOr NAM GHUYET MrNH 29) (158.r52.260.270) (61.109.980.ss9) _ 5.180,000 ( 13. 1 s9.23 6.000) (94.333 .193.919) 30.500.000.000 14.67 0 .549 .147 21 .4t 5 .609 .849 (126.140.947.123) (128.022.384.629) 0l 04 III IV V r55.s02.050.000 (81.162.067 .450) 99.79s.400.000 (40.s24.114.300) 74.339.982.550 59.271.22s.700 397.768.746.619 2.524.498.401.733 600.285.541.9s3 1.924.2t2.859.780 VII 2922.267.148.352 2.524.498.401.733 Huj,nh Vnv/gThao KA bii'l rrwongt. Duy llung Gidm d6c ong l{fr't,,u *,u'lc -9hiauqi!'i{t tu'u eC e*Att r$$u$* $; 1 N MAti 2ti10 [...]... 6.632.574.482.633 Phdn tich du ng theo tho'i hpn: oh 3u12 120 09 Ngdn h4n 8.57 1 723 966.3 00 Trung h4n 2 . 312 .918.033.019 l 1s6.862.81 1.685 t2.041.504.81 o/o \T\iD VND Ddihan 311 121 2008 1 004 71,180A 4.682.771.645,528 70,6004 19,21Yo 1.099.751.247.654 16,580 9,61% 850,045.589.451 12, 82% 100% 6.632.574.482.633 r 00% I "l PhAn tich du ng cho vay theo ngdnh: i 311 12 120 09 o/ /o ch6 biOn Xdy dr;ng Kho bdi, v4n t6i... 12. 041.504.81 1 004 3l/12t2008 o/ /o , \TND 115.61L497.I08 0,220 1,74yo 1.452.941.261.633 21,gtYo 1.037. 031. 421.641 15,640 4.026.990.296.251 60,7tyo 23,10o 12, glyo 63,81% t00% 6.632.s74.482.633 100% Ldi suAt ndm thuc t6 tai thdi cli6m cu6i n6m nhu sau: 3U12t2009 Cho vay bdng USD Cho vay bdng vdng Cho vay bang VND 6,0Y0 - 6,6Y0 3U12t2008 8,5oA -l0,8yo 6,80 - 7,4Y0 8,0o - 9,0y0 12, 00 - 15,0Yo 12, 80 -26,4% 4... du trfr bit 3u12t2009 \ bu0c 3U1 2120 08 { i: i/ binh quAn th6ng trudc cita: Ti6n gri'i bing ngo4i tQ c6 thoi han du6i 12 thhng Ti0n gui bdng ngopi tQ c6 thoi h4n tit 12 thing tro lOn Ti€n giri bdng VND c6 thoi h4n du6'i 12 th6ng Ti€n gui bdng VND c6 thdi hpn ti 12 thfingtro lOn SO du ' 1% 3% 3% t% 3Ut2t2009 VND Tdi kho6n ti6n grii thanh to6n vd qu! du trir bit buOc // 7% 3% 6% 2% 3u12t2008 Vl.{D 216.235.979.921... n5m 2009 (ti6p theo) cho nim tiSt tnnc PhAn tich du ng cho vay theo nh6m ng nhu sau: % 3u12 120 09 df ti€u chuAn Nq cAn chf y Ng du6i ti€u chu6n No nghi ngd No.'c6 kh6 ndng m6t v5n 1 r 805.145.498,836 78.399.685.888 2t ,97 9 034 17 5 39.296.587.011 96.684,005.094 12. 041.504.81 % VND VNE Nq 311 121 2008 1 004 98,040h 0,650 0,18% 0,330 0,80% 100% 50.276, 212 95,910h 152.099.628.968 2,2904 38.648.670.848 0,58%... Thuy6t minh b6o c6o thi chinh cho nim t6t tnnc nghy 31 th6ng 12 nim 2009 (ti6p theo) 9 M6u 805/TCTD t 6/ 2 o o 7 dff{,X#'i fn:; f :;: / eD - N a N N,s :Z -, Thong doc l,{gan hdng Nhd nw6'c ViQt Nam) : ': Dg phdng rfti ro cfc khoin cho vay khfch hirng DU phdng nii ro c6c kho6n cho vay kh6ch hdng bao g6m: 3u12t2009 \TND 69.256.000.000 52.8s4,000.000 32.866,000.000 26.425.000.000 122 .110.000.000 Dq phong chung... ngdry 31 1 5 5 I 53.53 5.714 tii sin thi chinh kh6c thfng 12 ndm2009 Tdng gi6 tri cfia hqp T6ng giri tri il6ng (theo 8 ei ghi sd kG torln t4i ngiy (theo ff giri tli ngiy hiQu luc hgp tl6ng) lflp b6o c6o ) Tii \.NE Giao dich kj'han ti6n 8 tQ 4,187.98s.100 sin/(c6ng VND n-{r) 21 415.100 Cho vay kh6ch hirng 31n2t2009 \,T{D Cho. vay cric to chuc kinh t6 vd crl nh6n trong nu6.c Chi6t khAu giAy tcr co gid 3u12t2008... chinh cho ndm n6t ttrric ngiy 3l th6ng12 nim 2009 (ti6p theo) (Ban hdnh rheo Quy& dinh 16/2007/QD-NHl'lN ngdy l8 thdng 4 ndm 2007 cua Thdng d6c Ngan hdng Nhd nu6'c ViQt Nam) Phdn tich du no cho vay theo dOi tuqng kh6ch hdng: 31n2t2009 VND Doanh nghi€p nhd nu6c COng ty tr6ch nhi6m ht'u han Cdng ty c6 phAn C6 nhAn vd kh6ch hdng kh6c 26.410.000,000 2.783.245.91 I 049 1 7 551 002.81 4.824 687 846.025. 131 12. 041.504.81... 2.435.463.300 \ x 3 : 15 Thi sin c6 khdc v 311 12t2009 \TND Chi phi cho phdn b6 Cdng cq vdL dpng cq 311 t2t2008 \TND 17.192.552.765 I I 781 862.804 44s.101.282 46s.041.604 11.637 6s4.047 12. 246.904.408 Ngdn hing Thuong mai C6 phAn Vipt A ll9-l2l Nguy6n C6ng Trri', Qu{n l, Thhnh ptriS uo chi Minh, viQt Nam Thuy€t minh brio c6o tii chinh cho nlm tr6t tnnc ngiry 3l th6ngt2 nIm 2009 (ti6p theo) M6u B0S/TCTD (Ban... ThiSng d\c Ngdn hdng Nhd nv6'c ViQt Nam) cho nim t6t tnnc ngdry 3l thilng12 nim 2009 (tii6p theo) 5 Tiijn gfri vA cho vay cfc t6 chric tfn dgng kh6c 3ut2t2009 VND Ti6n giri khdng k) hln Ti6n grii khdng kj'han bbng VND Ti€n gui khdng kj'han bing ngo4i tQ, vdng Ti6n gui c6 kj'h4n Ti6n grii c6 kj, han bdng VND Ti6n gui c6 hj, han bdng ngoai te vdng Cric khoin cho vay 3u12t2008 VND 13.723.844.630 174.557.574.801... Vi€t Nan) cho ndm t6t ttrric ngdy 31 thingt2 n5m 2009 (ri6p theo) (i) Bi0n dQng dg phdng gihm gi|chirng kho5n kinh doanh nhu sau: 2009 56 du dAu nam Trich l4p du phdng trong n6m Hodn nhdp dU phong trong ndm 7 2008 VND VND 6.7 59 s41 582 2.995.926.640 (74 r 80 Stl du cu6i nam 7 6.1 s9 541 582 tle.917) 5.575.348.30s 76.159.541.582 Tinh trang ni€m y6t crta chc chring kho6n kinh doanh: 31n2t2009 3u12t2008 . trfr bit bu0c 3u12t2009 3U1 2120 08 1% 7% 3% 3% 3% 6% t% 2% .{ i: .i/ // i 3Ut2t2009 VND 216.235.979.921 3u12t2008 Vl.{D 242.384.448.687 31n2t2009 1,20/o 0% 0% 0,10 3u1 2120 08 8,50 0% 0% 104 . dinh 4 9 312 005/QD-NHNN c6 hiiu luI. rai"ngay : f th6ng 12 ndm 2009, Ngdn hdng da trfch l{p dw phdng chung 6 muc.0,65Yo cric s6 du n6i tr6n tar ngdy 3 1 th6ng 12 ndm 2009. 11.578.420.827 (127 .6s0.430) (43.601.38e) 1. 031. 524.852 I1.534.819.438 25 14.670.549.147 27.415.609.849 26 (213.492.816.s02) (1ss.392.8s9.r41) 337,,597,400, ,126 128 .889.440. 212 (39.298.000.000) 9,