ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 4 năm 2011 td báo cáo kết quả hoạt động kinh doanh quý

ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 4 năm 2011 td báo cáo kết quả hoạt động kinh doanh quý

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I 09 12,251,210.153,537 7,211,3(rl,ll9.9C9 2.6 I 0.810.000,000 l.i 00.000.000.000 (14,685.653,800) (13,'1111.871.s00) 35.1,239,000,000 lJ7'J89 '(;00'00i) 20,000,000,000 20.i)00. ()01).0()0 331.289.000.000 II7 389.000.000 2,25-1,13t,121.7J1 166,929,631 ,t1.3 251,181,883.743 (81,252^246,320) 2,087,201,481,321 . 2,106, l'16.,+60,886 (18.9,1,t.976,565) 1.525,133,?{8.16 1 I 25,533,826 16 I 175,27 1,.i87,981 (49.7i7.561.521) 5,587.41{.201,213 1,818.896,651.180 1.672,259,197,751 2.096.25 8.3 50,282 70.965,512,957,950 l, j99.5q9,122,UU{i 1 t06,165.498,,14 I (6.766.076,,r i i ) .t,261,5-17 141,J I J 1 .79 1. 1 59 1,1t).06 1 979.5 8 0.77 8.43 6 I 190.807.216,916 51,013,862,t99,45 i l'el , i),1. i I'll,l -l S 3 Fa\: 0r1 391109'12 ]'D. tsANG CAN EOI KE TOAN Uo,r r', 11,,11 1'"t-D \ I i-l t Il I -l'h tl\ it Chi ti0u ti.u ''o,,in" 56 cu6i tii 56 cliu nirm .\. TAI S.\\ ll0 r20 li0 til ll2 ll9 tl0 lf i lt9 150 l6{.) l6l I (r9 170 171 1i2 119 ll0 711 212 2ll 2l.t ll9 210 :lr t)2 2:3 11/ t25 2)6 221 t)8 229 l{(-l I,t I 2+l 250 251 2,\ 2 :il Ii t :'.5 e i00 lf 16 l7 l9 20 2l 22 l8 'J 24 \ |i chi th"' "'t chi ti0u 'lr^tlrr i rrtr'\.tl sri, crr6i t.i 56 dAu nirm tiou millh 2.18{,55J.872,526 90i,716,150.312 15,909,083,396.910 13,271.538,819,9{-t 15,909,081.396.9i0 1i.271.5i8.81S,911 3J"8 I 1.6'{6.88 I ,85s 25.6.10,8{2.032,867 2.899,590,s60 226,386,0 r 2,.1 I 9 380,398,2{ 1.65 7 I 1,205,239.76 1.1 80 s,7{5,3ss,768.10-l 817,.153,217,897 892,306,67 6,'!0i s23,636,092.471 685.020,i30,67e 26i .502.t33,242 199,356,677 .37 5 26,i I 4,942, I 81 7,919,663,6si 65, l s7,36J,1 '{2,7 87 16,837,0s7,280,95 1 5,808,1.r3,8 1 s, I 63 4,1 76,805,7 I 8,503 1,908,s35,898,400 3,590,259,498.100 4,8 I 5,795.:170,000 3,497,i 1 9.070,000 98,000.000,000 98,000,000,000 (s,259.571,600) (i,259,571,600) 160,689.933,283 160.9i1.5,11,s55 73 8,922,9 83,480 42i,tr:':t ,.',7 8,5:13 70,965,5 I 2,957,950 5 1,0 1 3,862,999,J5J 3,208,805,978,726 1.269,565,203,99 1 538,227,857,618 587,563,956.526 2,670.578.126,018 681,901,252,'165 28 ao 19 30 3t \q PH,\r'fR.i vA VON CIIir SO H[ [ C{c liho:in no Chinh phti vir NIIN}* ilO Tidn gtii r ri vav ciia cric TC'I'D lihric il{) 'f iin grLr cLie cilc TCI'D lihic ll I Var cac .J (l'l D khdc lll 'IiAn guioia kirich hr)ng iiO Cr'rc c6ng cu trii chinh ph:ii sinh vi cric iihoiin no tii chinh liltlc JJO V6n tii tro. try thric diu ttt, cho va'i m:i TCTD phrii ch!n rtii ro i50 Phrit hinh giAy td'c6 giri i60 C:ic lihoirr r g khric iiO Chc khoan lii, phi phai tr:i 17 l l'hut I'NI)N hodn lai phai trd 11) Circ lihoan phi! trd vir cdng no- lihic l7l Du phong rr-ti ro }Jrac 179 T6ng )o phrii trii J00 V6n vri c:ic qu! 500 V6n cLra-l'C"f D 'l l0 ,,! :) t^ lll y ot1 dteu le V(in dtiu ttr.\DCB /12 Thdng ctu ,-6n c6 phdn I l3 C6 phi|tr quv 'l I l C6 phiiLr tru cldi 'l 15 V6n khitc t 16 Qu! cua'l'C-f D 'i2o Ch€nh l0ch clanh giir lai tai san 1-10 Ch€nh tech t\ gia hdi dodi l to Lor nhriiin chtra phdn ph6i i50 Lgi ich cril c6 d6ns thi6u s6 700 \G Nq PHAI TRA VA VON CHU SO FIU'U 8oo ] CHi'TIEU NGOAI BAIIG Nghia vu ng tidm in 9I0 , 9ll Bto l;lnlr \ 0\'\ol1 Cam kdr trong nghi€p r-u l-iC q l2 Bdo lnnh t.hac S l3 Lip bi0rr K6 Todn Ttttottg'''11, ,._" l /'- l, / -l /'-\l ,,4 ,,' 't / 'l(+!,f I ,t 'i!,.r.":,/! '/ ll 4'" " ,ft"l - ll /'/ \ B} I( III 1I 2\ Iii 'I I1' ( \'\ \.I P VII ( 1C 21 3C ,{r 1 VIiI \ a[' b, c7 d( e( gL 1( 4( \| ,tri'- \'Iil I (;(" ro\ '.^ / t\\1 :I CAC < I rrtt{fl|, ^ I r | ' r\ z, \rrrrr I \\ l,\ \:/r.,\ \{ry t "'&J ,4 Y "13 Tlt! Lnn Phu'ottg Nguvin |-tt! Thriy HrbAl\ nAlY\ \'., a Z, ^l-r,-+ ^\,A z.too2/803) THUOI{O |'1AICO sAl 00li.HA N'giw 17 thang 0l ndn 2012 T6ng Girim D6c }1 d^1 -r- -la:]-:\ \. - j i!*i { r' -l:LL1}r' \G\\ TI.\\G I'}ICP S.\I T;O\ - IIA NQI R.iing le Bfo c:io trii chinh rieng lt Quj lY ndm tii chinh 2l)ll \tiu s6: Q-034 PPTr - QUf STT TD - BAO CAO LUU CF{UYF,N 'I'IENT'I E - Chi ti6u Di'7' I"\:D NIlr chi Thuy0t Lul' ki! tii'dAu nim d6n Lly kii tn rliu nim ti0u minh cu6i quy nny(2011) dtin cu6i quf nny(2010) I I 2. J l DOAN}I l'hLr nhdp iili vi clc khoan thu nhdp tr"Long tr'L nhin drLo-c Chi phi liii ra cac chi phi tLLong ttL di tra 'fhLr nhriit ttl hort ddng .lich r'tr nhin cltLoc Ch0nh lich s6 tiin thLLc thr-rithr-tc chi til hoat ddng kinh doanh chirng, lihozin. ving bL-Lc. neoai t0 5 'I'hu nhflp khric ^ Tidn thu cdc khoan no cld cfuLo-c xu ti xod' bi dirp bdng ' ngudn dir p.hdng rLri lo 7 f i0n chi tra cho nhdr-r vi0rl Iii hoat cldng quan ly' c0ng vLl 8 TiOn thu0 thu nhip thlrc nQp trong k! Luu chuv0n tidn thuin tu hoat dQng kinh doanh tru6c nh['ng thav d6i ve tni siin vi v6n luu cl6ng Nhrlng ttrut' rt1i vi titi stin houl iQng (Ting)iGianr chc kl-roan ti0rr. I'iLng gr'ri vir cho vav cac ICTD khac (1'dng)iGiur cic khoan vi kinh doanh chtr.rg kiroiin ('ling)iGiam cac c6ng cLr tai chinh phli sinh va cac tdi sittr tii chinh kirac (l'ang)iGianr cAc ithoan cho \/irv lihich hdng (f ing)iGirirr nslt6u citt phdng d0 bir clip ton thdt cac khoan {tin dung. chilng khoan. dtiLr tu dli han) ('fing)'Gianr khric r d tiii siin hoirt ddng Nlrti'ttg tltrl', tIAi vi cbttg llq ho(11 dOng 0l 0l 0i 0,I 05 06 01 08 09 7.09 r.758.739.287 (6.070,3 8 8"995 108) 1 54.862.98 1.097 42.299.5 3 8,065 22.025.5 I i.1 98 1.2i8,843.457 ( l .066,663.5 93.8 1 7) (35 r.418.282.2i2) (1 76,29s,2s3,3s3) (2.r199,,110.000.000) (6.3 19,92 8. 1 3 e.237 ) (4.03 5. Bi,1.699) (4.903.825,902.i 19) (73 9.000.000 ) ( 1,335.370.765.13i) I .280.83 8.71 I "7 I + 2.637.5,+ 1.576.966 9. t 73.801.8.t8.988 5.6'73,1.13 .7 02"443 (r54,012.229.238) . (2"899.5e0.560) 30,53 8,482.75 6 (35,45 1.660,740) 3,363,901 ,957,208 (73,082.782, i03 ) i81.818.182 (282.972.295) 2.560.170. I 3 1.796 ( 1"998,021,i3-1.523) 37.8"16.667.131 626.1 81.9 1 6.633 2.3 17.379.7() I i.128.'168.022 (648.65 3.6.16.76.1) (100.05.1.884.017) -l8l,21 8'(r97,949 ( r "s 16.57,t.i81.3i3) (3.634.066.0ii,62 I ) i.661.026.80e i I 1.172".i05.922.6 l -l) ltqll (2.159.0-17 i58"938) 903.716.150.8i2 l.i2ll. 111.888.121 10.9),+.158.'t65.668 5.7,f5"3i5.768 10-l 3 {8.5 I ,1.05 7.7 93 2.899.590,5 60 83.901.1 13.585 11,1, 136 2,739,71',| ,995,551 (792. j 8,t.293.26,1) 9 l0 II l2 1i 1l tiJ ll ll li I,t t5 t6 tl l8 l9 20 21 22 23 1,1 25 26 21 28 29 30 l5 Tdngi(Giam) ciic l<iroan no Chinh phr-r va NI INN l6 'fdng/(Gidm) clc lthoan tidn gLLi. tiOr.r val cic'fCfl) l7 'fdngi(Gianr) tiOn giLi cLra khiich hdng (bao gom cii KBNN) , " fing r(irinr) plrjt hrrnh girt rrr co cirl tncori tlir giil to co 'o gia phit hinlt c'lrto-c 1inl1 vio hort dong tii chinlr) ,, 1'ang/(Gitim) v6n tdi tro. uy thiic cldu ttr' cho vay nrd TCTI) chlu l'Lll fo ,O TangtGirrl,l:1. .dng cu tii chinh phdi sinh vi c6c khoan no tal clllllll l(11ilc 2l TAng/(Gizrrn) khdc r,€ cOng no hoat d6ng 22 Chi ttL cric qr.r! cLra TCTD Luu chuy0n tidn thuin til hoat {lQng kinh dolnh II LU'U CHUYEN'IIEN TLI HO }T EQ\G DAU TU. I lvlua sim tiii siin .6 dinlt 2 Ti0n thtr tiL thanh ly, nhtro-ng brin TSCD 3 Ti0n chi tiL thanh ly. nhuong brin 1'SCD 4 \lua sirn bit ddng san ddLr trL 5 Ti0n thr-i tir ban. thanh lj bdt d0ng san dAu lrL 6 Ti0n chi La do biln. thanh lj bir ci6ng san diiu tr-L l)age l STT Chi tiOu ltn chi Thuyilt Liiy k6 ti'diiu nnm d6n ti6u minh cu6i quy nny(2011) L[y k6 til diu nim d0n cu6i qu! nny(2010) 7 Ti0n chi .j:iLr iLt. eop r 0n vio c/rc don r i lihitc 3 l.in tl: : -l.i r lLr. rof \or: r.t'r erit dorr r i klr.ic n Tiin.,hu, t l:, r'a loi nhuiin dr-Loc chia rr,r cic kho:tn ,liLi tu. qop \on dal lliln Luu clruvCn tidn thuin til ho1t tldng tliiu tu' III LLI'U CHUYEN TIE\ TL'' HO.\T DO\G TAI CFiiNH I I Xng \ On (ltL'Lr le , Iri'r' th.r tLr ph,it Ir.rrrlr giir ro co gii .lri lr:rrr co dLr Cii'rr ' kiqn tinh vio vdn tLr'co ri cac lihoan r,on rar drii han l;.hiic . Trjn clti tlr:rulr t.rirr gi:i. ro uct gil dii irrrr ei cili cliitr l;.i.rrr ' tinh vio vtin tr,L c6 r'iL cic l.ltoett r'on r11 drii hln khiic 4 C6 tiLc tra cho cd dong. 1o. i uhr.rin cld chia - ,.l ^ , .i ) i lcn clll I:t tliu.l co pllliu ngilll quv o fiin thtr tl,ru-c clo b,rir co phiirr rrgrn qttj Luu chu'r'dn tidn thuin til hoat dQng tiri chinh IV Lu'u chuy6n tidn thuin trong l<j, .,n Ti6n vi c:ic l<hoiin tuong duong ti6n t:ri tltdi cli6m aliu VI Di0u chinh inh Iruong cue thay doi ty giri ,, Ti6n vir cic kho:in tuong duong tidn tli thdi di6m cuOi " t' ki, Kd toin truong ,': ir; J {t'(/ ll il -1J J+ ( l 6.900.000.000) 32.745.698.200 (s7,338,238,116) 1.3 18.276.100.000 ( l 79.385.600.000) (220.1 93.050.420) 9r8,697,749,530 1,225,261,468,372 9,501,678,182,.155 13,726,939,630,82i il;.5 90.000.000) .[.+ 17.70i.8]2 (797,7s6.s89,-{32 ) 1.51r.5 19.070.000 (409.005.639.500) (i 03,0i-1.000) 1,138,210,376,s00 3,080,23 l,782,623 6,12 I,JJ6.t99,810 9,501,678,182,463 Pree 2 3i i6 31 38 39 4iJ ,11 11 13 4.t ,t< ttg't-v l7 tltittg 0l rtattt 2t'll T6ng Gi6m d6c Lip bing Ngul,en Th! Thtiy ,(*''17 Ninh Thi Lan Phrortg z-\qgsa L:Y., ;-q) or / NGJ\ffTtrtN'rr*o %*t# shr niH.nii HQI J '/ ' \i'i \, , =:- v , '1tlr,,r;, vin Lt (;vY /s%.lt !(litiout't W SIfi[T NgAn hdng I'MCP Shi Gdn - IIn N6i THUYET VrINH NAO CAO TAI CHiXTI NruXr; rN QUY tV 2011 l. Thdng tin vG ngin hhng Gi6y ph6p hoal ddng 0041-Nf t/Gp ngdy l3 rhring I I nirn t99j Gi6y phep hoat ddng do NgAn hang Nha rru6.c Vi€t Nam cdp lldl,lU" hoat d6ng cua NgAn hring ld 40 rrarn k6 tu.ngdy c6p gi6y phep Oau llen. IIQi tl6ng QuriLn tr! Ong D6 Quang Hitin Ong Ngur,6rr Vdrr I-d Ong Ngu1,5rr Vdn I-Iai Ong 1'rAn Ngoc l.inh Ong Phan Iluy Chf ,i' l rjng I ran lltoal Ong Ld Kien'l'hdnh Ban ki6m so:it Ba Ddm N-eoc Ilich Ong Ngu,r'6n lliiu Dri.c Ba NgLryen lhi ll6ng U1,6n 6ng t,uong Dlc Chfnh Ong tliri'l'lranh'fAni Ong Pham l lda Binh Ban Tdng (]i:im ttiic Ong Nguy,6n Vdn L6 Ong Ddng 1'rung Dtlng 6ng Bui 'l'fn Nghi Ong Ld Ddng Khoa Pliam Van'l'hdng Ngd 1'hu I id Ninh'l'hi l.an Phuong Chu tich uy vtcn Uy vi6n uy vten Uy vien uy vren Thdnh vi6n d6c ldp 'l'ru6rrg ban Phti'l'rLLong ban 'l'hanh viOn l'hdnh vi6n -l-hdnh vi6n -l'hdnh vien Tdng Girim ddc Pho'|6ng (iirim d6c Ph,5'l'ting Girim d6c Ph6'l'6ng Girim d6c Ph6 .l'6ng Girim d6c Ph6'l'6ng Clidrn d6c K6 to6n truLdng Il6 nhi6rn ngiy l6 rh6ng 6 nirn 200g 116 nhi6rn ngdy l6 th6ng 6 ndm 200g lld nhi6m rrgdy l6 thring 6 ndni 200g lld nhidrn ngdy l6 th6ng 6 ndrn 2008 116 nhi6rn ngdy l6 th:ing 6 ndm 200g I16 nhiern ngdy l6 th6ng 6 ndm 200g l]6 nhi0rn ngriy l0 thring 8 ndm 2010 l]6 nhiCrr ngAv l6 thring 6 narn 200ti 116 nhiOm ngdy 20 rhring 5 n6rn 2009 116 nhicrn ngriy l6 thring 6 nirn 2C)0g Il6 nhiem ngdr., l6 thring 6 nam 200g I]6 nhicrn ngdy l6 th:ing 6 ndm 200g t]6 nhi6rn ngAv 20 rhiing 5 ndrrr 2009 'l'Ai bd nhienr ngdy 08 tlrring 5 nitm 2007 tl6 nhi6m ngdv 0l thring 9 n[rn 2006 116 nhie m ngdy 05 thring 6 ndn 2007 IJd nhiem ngA1, .10 th6ng,l nim 2009 tltl nhiCin ngr)1, 0l rhring I I ndrn 2010 116 nhi6m ngdy l5 thring 3 nam 20l l l16 nhi6rn ngd,v 27 thl,ngT ndm 200g It tl \ Irg sri chinh so 77 - 'l'ran I Iung {)ao - e.iloi)n i(idrn - r'p.Hd N6i - Viet Nam 2. Dic ttiOm ho4t dQng cria tii chri.c tin dgng Ngdn hdng'l'hr"Long mai c6 ph6n Sdi Gdn - [{d Ndi (ciLr'6.i day goi tft ld .,Ng6n hdng") id mdr ngdn hdng thu'ong rnai c6 phan vi6t Nam thdnh l6p rai nutic c6ng hda X5 h6i chu ngtrla Vi6t Narn :SHB NgAn hing'I'MCP Shi Gdn - IIn NQi voi thd'i gian hoat ddng ldr 40 ndm theo 0041-NII/GP ngi\v l3 thdng ll ndm 1993 cua NgAn hdng Nhd nu6'c Vi0t Nam. Von didu le cua NgAn hdng tai ngal' 3lll2l20l1 ld 4,815,795,470p00 d6ng (Bdn nghin tiim trdm mudi lam ty bay trdm chin larn triiLr bon trarn bay rnuo'i nghin dong). H6i so chinh cira NgAn hdng d4t tpi 36 77 - 'l'rAn I Iung l)ao - Q.l Iodn Ki6m - Hd Ngi - Vi€t Narn. Tai ngdy3lll2l20ll,NgAnhdngc62574nhAnvien1f)iundrn20ll: 1889nhdnvi6n). 3. T6m tit cric chinh sich k6 to{n chii v6u Chufrn mgc vir ch6 dd k6 toin rip dgng Ngdn hdng trinh bdy ciic biio c6o tiri chinh bang clong Vi6t Nam (VND) theo l,uAt c6c 'l'6 chfrc 'l'fn dung, LuAt srjra d6i vd b6 sung m6t s6 didu trong LuAt cdc 'l'o chi'c Tin dung. cac chudn muc k6 toiin Vi€t Nam vd FIQ th6ng K6 torin c6c t6 chiLc 1in dung Vi6t Narn. Kj b6o c:io vh do'n vi ti6n tQ Kj,b6o cdo cua NgAn hdng bit clAu tiL ngdy 01ll0l20l 1 vd k6t tliric vdo ngdy 3111212011. Don vi ti6n tO sfi'dung trong ghi chdp k6 todn la dong Vi6t Nam (VND). 4. Nguy0n tic ghi nhfn c:ic nghigp vg bing ngo4i tQ vir quy d6i Theo h0 th6ng kd to6n crla NgAn hdng, tdt ca ciic n_ehi€p vu phiit sinh cia Ngdn hdng cluo-c hach toiin thco nguy6n te. l'ai thoi di6rn cudi nArn, tdLi san vd c6ng no'c6 ngu6n gdc ngoai tC duo-c quy d6i sang VND theo ty gi6 quy dinh vdo ngdy l6p bdng cAn UOi te todn. Cdc khoAn thu nhAp vd chi phi bing ngoai tC c[ra NgAn hdng du'o-c hach toiin biurg VND thco ty gia vdo ngdy ph6t sinh th6ng qua giao dich mua b6n ngoai t6. Clh6nh lfch t1'' giri do dfnh gid lai c6c tdi khoan kinh doanh ngoai tC duo-c hach todn vAo b6o cdo Kdt qua Float d6ng Kinh doanh vd loi nliuAn ae tai" Chdnh lQch tj'giri phrit sinh do quy d6i c6c tdi san vd c6ng no- kh6c bang rrgoai te sang VND cluoc xu ly vdo doanh s6 cfra c6c khoAn muc tuo'ng rrng tren bang eAn AOi fe todn viro ngdy ldp brio c6o tdi chinh. 5. Chring khof n ttiu tu giir d6n ngiy clio h4n ChrlLng khoiin no.' giiL d6n ngdy diio han ld ciic chiLng khoan co k!.han cO dinh vd ciic khoan thanh totin c6 Ointr hodc c6 th6 xric dinh duo-c r,'a Barr 'l'ong Gidrn'd6c c6 y dinh vd c6 khA nang giri' cl6n ngdy d6o han. Ngdn hdng dang ghi nhdn ciic chiLng khoiin nA1 thc-o giri g5c cong ldi du thu trir' ldi chd'phdn b6. Gi6 tri phu tr6i hodc chi6t khAu (n6u c6) cirng du'o-c phdn 6nh vdo gid tri ghi so cua khoAn clAu tu. Ldi cluo-c du'thu hodc phdn bo theo phrLong phdp duong thdng. Chung kho6n drLo'c gitl'dtin khi d6o han sd drLoc xem xet ve khi ndng gidrnr gia. ChiLng kho6n duo-c lAp du phdng gidm giri khi gi6 tri thi trud'ng rrho hon gi6 tri ghi so. Du phr\ng giarn gia duo-c ghi nh6n vdo bdo cdo ket qu6 hoat d6ng kinh doanh. ' sFl ll Ngin hhng I'MCP Siri Gdn - IIn NQi 6. Chri'ng khodn ttiu tu sin sing Ati nen Chf'ng khorin dAu tLr sin sdng O6 ban lir c6c chirng khoiin dLro-c giil trong thd'i gian khong dn dinh tru6'c. c6 thii duo-c b6n Ati Oap [r'ng nhu cAr-r thanh khodn hoac dc (r'ng pho voi trudng ho-p thay d6i lai suAt, ti giii, hoic giri tri chfing kho6n. NgAn hdng dang ghi nhAn ciic chu'ng kho6n ndy theo gi6 gdc cdng ldi du thu trir' l6i cho phdn bo. Cia tri phu troi hodc chi6t khdLu (n€u c6) cfrng duo-c phdn 6nh vdo giri tri ghi so cua khoan dAu tu. L5i dr-Loc drL thr,r hobc phAn bd theo phuo'ng phrip du'dng thang. C6c chf'ng kho6n ndy duo-c d6nh gid dinh ki thco giii tri thi trud'ng vd du phdng giArn gi6 tri se duo'c lgp khi gi6 tri thi trr,rong nho hon gid tri ghi so. Du phdrrg gi6m gi6 duo-c ghi nhdn vdo b6o c6o k5t qui hoat d6ng kinh doanh. 7. Chrlng kho6n kinh doanh Chfrng khoiin kinh doanh ld chirng khoan ban dau rlttoc nrua va ndln giir cho muc dfch kinh doanh trong ng6n han hodc n6u Ban 1'6ng Gi6rn ddc quyet clinh rrhu vdy. NgAn hdng <lang ghi rrhAn c6c chirng khoiin ndy theo gia goc vao ngay giao dich" 'l'rong cdc kj, ti6p theo, ciic chLi'ng khoan tiep tuc duo'c ghi nhAn theo gia g,oc. Tuy nhieln, gi6 tri thi tnLo'ng cua ciic chrlng khoiin v6n du'o-c Ng6n hdng theo d6i dC ddnh gi6 vA t<na ndng gi6m gi6 khi giri tri thi trud'ng th6p ho'n gi6 gdc. Ngoai trir rrudng ho-p khong thc xdc dirrh gia tri rhi tru'ong rnot cdclr chdc chan thi giri tri cua chung dtro-c tinh du'a tr6n ngr,ry6n gi6 sau khi trir di ton th6t u6'c tfnh (neLr c6). I-di hodc 16 til kinh doanh chirng khodn drroc ghi nhdn tren bao cdo ket qua hoat dong kinlr,.loanh thco so thuAn. 8. Cic khorin cho vav Ciic khoan cho vay ngdn han c6 kj, han du6'i I ndrrr: c6c khoan cho vay vir cho thu6 tdi chinh trung han c<i k! han tir 1 ndn-r d6n 5 ndrn vir ciic khodn cho vay vA cho thud tdi chfnh ddi han c6 k! han tr6n 5 ndrn kd tir ngdy giii ngdn. Vi6c phdn loai no- vd l6p'du' phdng nji ro tin clr,rng durrc thrtc hien thco Quy6t dinh s6 4g3l2005lQI)-NHNN ngity 22 thring 4 ndrn 2005 vd Qir1,6t dinh sd l8l2007IQD-NHNN ngay'25 thdng 4 ndtn 2007 cua Thong rl6c Ngdn hdng Nhd nrLcic Vidt Narn. Ciic khodn cho vay duo-c phAn thdnh ndrn nh6m no- cdn cit vdo tinh hinh trA no vd cdc ircu 1o dinh tinh nhu sau: Nhdm 1. Nq di tieu chuan , ' o Ciic khoan no- trong han md NgAn hdng ddnh giri ld c6 clu kha ndng thu hdi ddy du ca gdc vd l5i rlirng thd'i han; . Ciic khoan no- quii han du6'i l0 ngdy vd Ngdn hAng dAnh giri la co kha nang thu hoi dA1,du g6c vd l6i bi quri han vd thu hdi dAy dn g6c vd l6i ching tho'i han con lai; Nhdm 2. N()'cdn chti y o (l6c khoAn no- qu6 han tt I 0 ngdy den 90 ngar : o (l6c khoan n<r did:u chinh k! han tra no- lAn dALr: SFITT Ngdn hirng'I'MCP Sii Gdn - IIn NQi o (l6c khoAn no- co cau lai tho'i han trir no tr()ng han thco thoi han duo-c co cdu lai. Nhim -l. Ac' dtnri tiiu t'huon . C6c khoAn no clua han tiL 9l din 180 ngay: r (-l6c khoin no co'c6u lai thoi han trd no- lAn dALr. lrit cdc khoan no- didu chinh kj' han trA no- lAn dAu phdn loaivdo nh6m 2; . Ciic khoin no- duo-c rniSn ho{c giirn ldi do khAch hdng kh6ng dli kha ndng tra lai diy dn thco hop cl6ng tin dung; IVhdm 4: Nq'nghi ngd . Cdc khoan no- qu6 han tit 181 den 360 rrgal ; . Cac kl,oirn no- co c6u lai tho'i han trA ncr lAn dAu qu6 han du6'i 90 ngdy theo thoi han 1ra no- duo-c co cAu lai lAn ddu; . Cac khoAn nr t co cau lai thoi han tra tttr lart th(L hai: Nhim 5.' ,Nrr t'o khtr trnng ntut win o Ciic khoin no'qu6 hpn tr€n 360 ngdy; . C6c khoirn no- co'c6u lai thoi han trA no lAn dALr qu6 lian tir'90 ngdy tro' l€n theo thd'i han tr6 no'duo-c co'c6u lai l6n clAu; . C6c khoan no- co' c6u lai thoi han tra no lin thrir hai qu6 han theo thd'i han trd no' cluo'c co c6u lai l6n thil hai: . Cdc khoAn r.ro- co c6u lai thd'i han tra no- lAn thfi ba tro l6n, k6 cd chrLa bl qu6 harr hodc d5 qu6 hgn: o Oirc khoAn no- khoanh. no- chd' xu' l;i,: Theo euy6t dinh s6 +SZ|ZOO5IQD-NI{NN ngd1, 22 rhing 4 ndm 2005 vd Qu1e1 clinh so l8l2007IQD-NHNN ngdy 25 th6ng 4 nbm 2007. ddi vtii c6c khoan no- qud han. to chfrc tfn dung phAn loai lai viro nh6m no co riri ro thap ho'n khi NgAn hAng d6nh gi6 ld c6 d0 khe ndng thu hdi diy clu ca g6c vd l6i; vd khrich hdng c6 tdi liOu. hii so'chimg rninh c6c nguydn nhdn ldrn khodn no- ndy qu6 han duoc xiL ly, khic phuc. Ngdn hdng chu dong tu quyct dinh phdn loai cric khodn no- vho c6c nh6m no- rui ro cao ho'n tuong ilng v6'i mf'c d6 rii ro khi xay ra.rn6t trong c6c truilng ho. p sau ddy: . Khi c6 nhirng di6n bi€n bAt lo.'i til t6c ddng tieu cu'c din moi tru'ottg kinh doanh vd lTnh vuc kinh doanh: r Cl6c chi ti€u tdi chinh cua khdch hhng hoSc I'hii nang trh no- cua kh6ch hang bl suy gidm; . Kh6ch hdng kh6rrg cung cAp cho NgAn hdrrg cdc thdng tin tdi chfnh kip thoi. ddy dLr vA chfnh x6c dd NgAn hdng d6nh gi6 khdr ndng tra no'cua kh6ch hdng. Du phdng rrii ro tfn dgng: ViQc tinh du phong cu llrel cltxrc cdn cri trdn c6c ty l€ 6p dung cho timg nh6rn no nhu'sau: 1 SHTI Ngdn hing'I'MCP Sii Gdn - Hn NQi Nh6m I 2 3 4 5 Tii sin cii Ainn LoSi ,; l\o clu treu chLlan No- cAn chti y No- du6'i ti6r-r chudn No- nghi ngd' -:; l\o- co Kna nang lnat von - Nhd cua, vdt ki6n tnirc , .,.;., - lvlay Inoc. tntet ol - Phuong ti6n vdn tai - Dung cu quan l;f vd phAn rndm tin hoc Tf lQ dg phdng cs th6 0% 5o/o 20o/o 50% t00% 9. l'di srin c6 Oinn dtro-c thi hi6n theo nguyOn gi6 tril cli kh6u hao liry k6. Nguydn gi6 bao g6rn todn bd c6c chi phi md Ngdn hdng phni bo ra dd c6 drro-c tai sAn c6 dinh tinh d6n thoi cliem dua tai sdn d6 viro trang thrii sin sdng sir dung. Tdi sdn c6 dinh drLo-c tfnh kh6u hao theo phrLong phiip .r - r: . ';. duong thdng de tru' ddn nguydn gid tdi sdn trong su6t thoi gian hfr'u dr-rng u6'c tinh nhu sau: l0 - 25 nanr 03 - 05 ndrn 06 - l0 ndm 03 - 08 ndrn Quydn sil dung cl6t drro-c kh6u hao theo phuong phAp duong thing phu ho-p v6'i Gi6y chgng ). nhAn quycn stL dung dAt. QLryCn sri'dung ct6t vd tho'i han clLroc glri rrhan theo giri goc vd kh6ng tinh khAu hao. 10. Ti6n vh cic khodn luong cluo'ng tidn Tidn vri cdc khodn fuong du'ong tidn bao g6m tiin rrdt. vdng, da quy, tidn gri'i thanh toiin tai NHNN. tfn phi6u Chinh phi vd cric gi6y td'c6 gi6 ngin han dLr cli6u kien chi6t kh6u vo'i NHNN. c6c , .). khoan ticn gLti tlranh to6n vd ti€n gili, cho vay tai ciic t6 chiLc tfn dung khSc c6 tho'i han diio han khdng qud -j thiing kO tiL rrgdy gu'i. 11. Cic cdng cg tdri chinh phrii sinh C6c cdng cu tdi chinh ph6i sinh duo'c ghi nhdn trdn biing cdrr COi nA todn theo giri tri hoo dting vdo ngdy giao dich. vd sau cl6 duo-c cl6nh gi6 lai theo giri tri he'p ly. Lo-i nhudn hoac 16 khi c6c cdng cu tdi clifnh ph6i sinh duoc thuc hi€n dtro'c ghi nhdn lrons b6o cao liet qua hoat d6ng kinh doanh. Lo-i nhuAn hodc l6 chtLa thu'c lri€n ducrc ghi nhAn vdo khoAn muc chenh l€ch d6nh girl lai c6c c6ng cu tdi chfnh phrii sinh tr6n bAng cAn d6i k6 torin vi clutrc kdt chuyen vdo k6t quA hoat d6ng kinh doanh vao rhoi dicm cuoi rrdln. [...]... qu! 31il2t2010 VND 4, 295,1 34, 807, 545 4, 167,896,3 77,5 26 3.6i4 145 .9 34. 0 34 3,t 57,816. 940 .298 660,988.873.51 I 30,363,221,310,7 74 21,3 54, 186 ,40 8 ,45 5 28,369 .40 2"67 5.2 74 19,608,605,010, 047 1.993.8l 8.635.500 1.7 45 ,581.398 ,40 8 3,787,913 6,902,523 156,283,861,013 31,87 4, 646 ,881,855 30 Vdn tiri trcr, 41 0,079 ,43 7.229 I 18,75 5 ,4 58,973 25, 640 , 842 ,032,967 iiy thric dAu tu, cho vay td chric tin dqng chiu... 3t/12 /2011 67,335,000,000 7 .48 3.603,6()0 t29 ,138 .45 4,5,16 18 ,47 3 .40 0.000 37.5 I ft.036.000 1 126,528.711,580 12,4B1,587,000 78,319,970,000 49 ,001 ,46 4,795 ,4 | 5 565 "2 64 I 5ttO 126.528.71 12,88 I 587.000 78,3 1e.970"000 49 .001 .46 ,4. 19s 650,OOO,OOO t' 300,ooo,ooo 637,A12,OOO 40 B,OBO,OOO 253, BOO,OOO 650"000.000 300.000,000 637,812.000 40 8,080,000 253,800.000 4, 376,1 74, OOO 5,211,535 .40 0 4. 376.1 14. 000 4, 376.980 .40 0... ,358 ,46 1,805 34. 712.661,358 505,232 ,49 4.1 64 3 I 58, 245 ,1 74. 689 5,972,692,782, 041 10 r 08,878,231.4e7 2,822,3 94, 444 .44 5 13.726,939,650,827 Ti6n gu'i thanh to6n tai c6c TC fD kh6c Tidn gui vdr cho vay c6c TCTD kh6c co kjr h4n kh6ng qu6 3 th6ng 42 5.103.583,283 9,501,678,182 ,45 5 42 .L,o4ihinh vit gif tri thi sin th6 ch6p cira khfch h:ing Girl tri t4i thd'i diOm Gi:l tri sd sich tJsl rl0ng san 26.87 6.5 64. 862. 146 ... 1,380,377,188 ,42 1 5,9[lll,J 10,020 20,000,000,000 1 ,40 6,365 ,49 8 ,44 1 650,2 74, 165, 640 47 ,523,71(t ,49 5 1,983,080,310 699,780,962 ,44 5 650.27.1.165.610 17,523,:16,,195 1.983,080,310 699,180.962 .41 5 21,983,080,310 2,106, 146 ,46 0,886 hY hao mdn lu! 47 3 ,43 4,136 157,667,590 56 tang trong kj, - Khtiu htto trong ki' 56 ginm trong k] 3,291,957,009 3,000,6 84, 696 6,766,016 ,44 1 10,772,165,623 1, 249 ,066,911 12,178,900,1 24 157,667,590... 596.5 54, 769,833 36,159,292. 942 39,376.036,390 265,395,559.520 e0.091 ,630.895 I 151. 147 .49 5.6 84 278. 343 , 046 .891 24, 301,153,993,562 29,21 14, 979,895,911 20.2 Phdn tich du nq theo thdi gian 31112 12011 3U1212010 VNI) VND No rrg6n han l 8,s00.620. 547 ^41 2 15.595,701,01 3, 188 No- trung han 6 .40 5.239.8 34. 03 0 5,390.05 8,295. 340 No ddi han 4. 299.119,5 14. 469 3.315,3 94, 685.0 34 24, 301,153,993,562 29,2 $4, 979,895,91I... 137,9 74, 640 3t Cdc khotin phtii tri nQi bQ - Clac khoan phai tra c6n bd nhAn viOn 1 1,322.876 .42 8 15.239.355.52B t3, 646 ,236.520 6.230.0 14. 619 4, 443 .933.236 244 ,632,2 84, 5 64 179,805,656,551 6.033 .48 4.3 70 6 .46 8,100.000 - Thu6 GTGT 718 ,42 5.087 1.635,520,668 - Thu6'fNDN e5.312.509"977 117, 746 .533.652 4. 993.861 5 l4 5 .44 A ,41 6,938 08.288,5 - Qu! tro- c6p m6t vi6c ldm I - Qu! khen thuo'ng phtic lo'i - Cric kho6n... it6ng kinh doanh ngo4i 43 ,528,211,278 t. 644 ,996) (23,985,033 ,45 0) (13,222.927 559) ( 14, 185,028. 942 ) (10,762,105,891) 48 4.819"575 19, 543 ,177,828 trOi 3t Lail16 thuAn tu hoat dQng mua bin chring khofn kinh doanh, chrlng khodn diu tu Lail16 thuin tu hoat dQng mua brin chrlng khoin kinh doanh Quy IV.20l1 VND Qu;f lV.20l0 VND Thu nhap tir mua b6n chung khoAn kinh doanh 0 Chi phi v0 mua b6n chrmg kho6n kinh doanh. .. 100,900,535,500 153, 241 ,930,000 100,900,s3 s.s00 l 53,201.930.000 63,253 ,41 6, 640 101 ,47 2,527,OOO 245 ,332,905,00O 239,815,317,000 30 44 9,760,000 22,523 ,46 7,OOO 43 ,705,068,000 30 .44 9.760"00i) 22,523.867 -000 4 3,705,068.000 14, O37,226,100 18.o37,226,t00 107,220,759,OOO lol ,220,759.000 7 ,48 3,603,600 129,13A ,45 4, 546 18 ,47 3 ,40 0,000 37,518,036,000 7,257 ,49 7,6 74 NAM) QUYEN SD DAT 33 LY THUONG KIET HA QSD DAT SO 31 LY THUONG... chftng khoan) 5 5,993,5 79,9 76 20,951,805,913 U 23,929.202- 244 3 ,44 3.996.336 I20,220,897,4I4 I I I, 946 , 642 ,297 4. 258,373.129 52.098,500 5 ,41 8,5 .45 ,1l5 42 .996,363 6,727,915,303 4, 5 58,029,803 1,8 94, 848 ,953 Chi phf hogt dQng kltdc J36,303,725,891 238,365,322 ,43 1 Ll) SFIB NgAn hirng'I'MCP Shi Gdn 41 Ti6n vh c6c - IIn NQi khoin tuong tluo"ng ti6n 31112 12011 VND Ti€n rl6t vd c6c khoiin tuong duo'ng ti6n tai... chd'xri'ly 3t l12t'2010 VNI) VNI) 28.966. 546 "697.8r0 24. 270.102.929 .48 6 22.168 .47 3 .45 4 45 0,000,000 2.270,922.1l4 10.71 8.810.6 74 203.2 74. 991,859 29,201,979,995,911 20,g 14, 017 .47 ; 9,687. 046 .606 24, 301,153,993,562 SHTI Ngdn hing 'I'MCP Shi Gdn - Iln Phin tich chflt luqng 20.1 NQi no.'cho vay 31t12 12011 VNT) No dLr 31112120t0 VND 23.363,668.3 34, 877 27.7u5.810 .41 7 .46 6 1e6.587.3 04. 975 ti6u chuAn :!,, l\o- calr cnu . l5B 505.232 .49 4.1 64 J4,712,661.358 505,232 ,49 4,1 64 31t12t2011 VNI) 31112120t0 VNi) 3,158, 245 ,1 74, 699 3 .07 1 .46 4.87 6.998 '86.780.297.691 15 ,44 9,892,8 14, 930 11.07I .11 0 .4 I 4. 83 0 | .370 .48 2.4n0,000' 5,972,692,782,04l 5,84t.526.306,888 131. trong 28.966. 546 "697.8r0 22.168 .47 3 .45 4 .2.270,922.1l4 10.71 8.810.6 74 203.2 74. 991,859 24. 270.102.929 .48 6 45 0,000,000 20,g 14, 017 .47 ; 9,687. 046 .606 29,201,979,995,911 24, 301,153,993,562 SHTI Ngdn. klttic 31t12 12011 VNT) 23.363,668.3 34, 877 596.5 54, 769,833 36,159,292. 942 39,376.036,390 265,395,559.520 29,21 14, 979,895,911 24, 301,153,993,562 31112120t0 VND 27.7u5.810 .41 7 .46 6 1e6.587.3 04. 975 I e0.091 ,630.895 151. 147 .49 5.6 84 278. 343 , 046 .891 31112 12011 VNI) 3U1212010 VND l