ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 4 năm 2013 td bảng cân đối kế toán

SHB Bao cao tai chinh rieng le QuY IV nim 2013 NGAN HANG THCONG MAI CO PHAN SAI GON - HA NOI 77 Tran Hung Dao - Quail Hoan Kidm - Ha Ni Fax: 04.39410942 Tel: 04.39423388 MAu so: Q-01a TD - BANG CAN DOI Kt TOAN Dan vi tinh: VND Chi tieu MA chi Thuyet minh tieu SO cuOi ky SO dttu [lam A TAI SAN I Tien met, yang bac, di quy 110 15 540,822,500,029 484,875,646,566 3,031,869,478,896 II Tien giri tai NHNN 120 16 1,818,056,606,222 III Tien, yang gui tai cac TCTD khfic vl cho vay cac TCTD khac 130 17 30,285,992,542,230 29,624,498,120,631 Tidn, yang gui tai cac TCTD khac 131 17,763,300,435,356 20,758,858,280,631 Cho vay cac TCTD khac 132 12,636,028,000,000 8,890,044,000,000 Dv ph6ng rin ro cho vay cac TCTD khac IV Chirng khoan kinh doanh CI-1411g khoan kinh doanh Dlr phOng giant gia chUng khoan kinh doanh V Cac cong cu tai chinh phai sinh vi cac tai san tai chinh khac VI Cho vay khach hang Cho vay khach hang (113,335,893,126) 139 (24,404,160,000) 140 141 149 150 75,170,773,379,882 55,620,640,194,023 19 76,468,937,884,303 56,871,071,024,884 20 21 (1,298,164,504,421) (1,250,430,830,861) 18,655,008,569,730 12,549,275,940,349 160 161 5,846,612,060 18 Dv phOng rui ro cho vay khach hang VII Ch(rng khoin dau to 169 170 Chang khoan dau hr san sang de' ban 171 8,101,621,921,206 8,268,595,920,125 Chang khoan dau to gia ddn dao han 172 10,562,229,371,141 4,290,543,803,540 Dv phOng giam gia chung khoan dau to VIII Cep von, dAu to dai han 179 210 (8,842,722,617) (9,863,783,316) 514,964,413,743 527,794,764,506 167,710,070,000 22 167,710,070,000 Diu tu vao cong ty 211 VOn g6p lien doanh 212 Dau tu van cong ty lien kdt 213 Dau to dai han khac 214 395,841,525,375 420,325,959,557 219 (48,587,181,632) (60,241,265,051) Dv phOng giam gia dau tu dai han IX Tai san co djnh 4,143,870,076,241 220 23 4,117,387,267,420 400,829,158,413 392,745,384,728 I Tai san co Binh hat hinh 221 a Nguyen gia TSCD him hinh 222 706,580,542,517 679,142,188,737 (305,751,384,104) (286,396,804,009) b Hao mon TSCD hiru hinh 223 Tai sin co dinh thud tai chinh 224 a Nguyen gia TSCD 225 b Hao mon TSCD 226 Tai san co dinh vo hinh a Nguyen gici TSCD yo hinh 227 228 b Hao mon TSCD vo hinh X Bit &Ong sin du to 3,724,641,882,692 3,807,152,344,578 (112,635,963,318) 229 240 Nguyen gia BDSDT 3,743,040,917,828 3,855,676,881,146 24 (82,510,461,886) 241 a b Hao mon BDSDT XI Tai sin CO khac Cac khoan phai thu 241 250 25 11,947,171,127,529 9,982,866,452,600 251 2,118,019,931,544 1,513,211,519,859 5,792,358,343,940 4,461,258,546,259 4,045,980,279,042 4,017,568,345,877 Cac khoan I'M, phi phai thu 252 Tai san thud TNDN hoan lai 253 Tai sin CO khac 254 - Trong do: Lai thi thuang mgi 255 Cac khoan dv phOng rui ro cho cac tai san Co nOi bang khac 259 TONG TAI SAN CO 300 (9,187,426,997) 143,076,659,215,606 (9,171,959,395) 115,945,054,477,051 Chi tieu B NQ PHAI TRA VA VON Clit SO Hfru I Cac khan ny Chinh phu va NHNN va vay cult cac TCTD khfic II Tien Tien girt cua cac TCTD khac Vay cac TCTD khac III Tien girl cua khach hang IV Cac Ong cy tai chinh phai sinh va cac khan no• tai chinh khac V Vim tai try., uST thac dau ttr, cho vay ma TCTD phai chju rai ro VI Phat hanh giAy ter cO gia VII Cac khoan Ny• khac Cac khoan lai, phi phai tra Thud TNDN hoar lai phai tra Cac khoan phai tra va ding no khac Du phOng rat ro khac TOng Ny phai tra VIII Von va cac quy Viin cita TCTD a Van lieu lg b Van dal' tit XDCB c Theing du van co phan d Co phiju quy e Ca phiiu wu dal g Van klicic QuSi cua TCTD Chenh Lech ty gia h6i doai Chenh tech danh gia tai tai san Lqi nhuan chua phan ph6i VIII Lyi ich cua co (long thieu so TONG NQ PHAI TRA VA VON CHU SO HITU MA chi Thuyet minh tieu 310 320 321 322 330 340 350 360 370 371 372 373 379 400 500 410 411 412 413 414 415 416 420 430 440 450 700 SO cool ky 2,119,144,618,490 20,685,380,967,956 12,155,602,567,956 8,529,778,400,000 90,832,560,031,880 6,271,815,107 476,390,065,077 16,909,574,923,018 1,747,666,985,394 1,374,118,731,049 26 27 28 18 29 314,921,287,522 58,626,966,823 132,776,989,406,922 10,299,669,808,684 8,962,251,608,400 8,865,795,470,000 30 30 31 SO du nam 21,777,251,159,172 15,505,603,159,172 6,271,648,000,000 77,679,865,564,949 385,245,424,157 4,370,388,535,054 2,284,441,414,077 1,944,545,894,786 645,209,784 298,437,357,539 40,812,951,968 106,497,192,097,409 9,447,862,379,642 8,962,251,608,400 8,865,795,470,000 101,715,710,000 (5,259,571,600) 101,715,710,000 (5,259,571,600) 477,413,287,504 29 477,413,289,655 860,004,912,751 8,197,481,587 143,076,659,215,606 115,945,054,477,051 8,338,670,362,999 486,276,000,000 1,774,825,693,042 6,077,568,669,957 5,287,168,458,408 35,554,000,000 336,437,333,181 4,915,177,125,227 31 800 l'IGPj CAC CHI TIEU NGOAI BANG THONGp SM SO1\1 Nghia vy no' tiem An Bao lanh vay von Cam ket nghi'ep va L/C Bao lanh khac 910 911 912 913 40 go0278 Lap bieu thang nam 2014 a nOi, Ngay Tong Giant DOc NGAN HANG ' shi GUN- NO1 133 Thanh Phwang Solid next Bio coo tai chinh rieng le Quy IV nam 2013 B Mau so: Q-02a NGAN HANG TMCP SAI CON - HA NO1 77 Tran Hung Dao - Quart Hoan Kiem - Ha Nei Fax: 04.39410942 Tel: 04.39423388 TD - BAO CAO KET QUA HOAT DQNG KINH DOANH - QU'i( Chi tieu Ma chi tie'u Thuyet minh 9,372,429,724,324 7,059,590,884,208 2,312,838,840,116 183,745,307,226 77,122,863,279 106,622,443,947 63,399,828,018 (6,709,976,820) (16,198,056,217) 28,150,847,882 9,464,812,695 18,686,035,187 4,578,902,738 1,609,059,575,207 16,764,490,032,334 15,027,919,798,161 1,736,570,234,173 199,642,251,120 77,097,603,346 122,544,647,774 34,755,721,995 (5,441,404,425) 124,192,822,826 817,247,079,534 24,314,504,589 792,932,574,945 11,956,859,397 2,224,232,505,357 15 203,788,814,148 566,706,863,668 874,158,441,762 593,278,951,328 16 17 18 19 20 21 22 23 (68,517,035,295) 272,305,849,443 66,544,511,898 (550,835,908,357) 1,117,542,772,025 412,226,756 (128,455,514,590) 1,002,613,956,352 245,212,290,874 555,551,721,310 37,727,230,018 590,515,290 66,544,511,898 205,761,337,545 412,226,756 1,117,130,545,269 245,212,290,874 757,401,665,478 590,515,290 37,136,714,728 01 32 I II III IV V VI VII VIII Chi phi lai Nva cac chi phi tuong tir lai Thu nhap 'al than Thu nhap tir hoat deng dich vu Chi phi hoat deng dich vp Lai/16 than tir host dOng dich vy Lii/16 than tir host Ong kinh doanh ngo3i hOi Lai/16 than tir mua ban chi n khofin kinh doanh Lai/16 than tir mua ban chillig khofin dau fir Thu nhap tir hoat (tang khac Chi phi hoat deng khac Lai/10 than tir host dOng khic Thu nhap tir g6p von, mua co plan 02 03 04 05 06 07 08 09 10 11 12 13 14 33 flo Thanh Phwong Nam 2012 3,689,551,731,999 3,343,030,043,691 346,521,688,308 43,970,723,409 14,160,558,090 29,810,165,319 (3,145,209,997) (1,547,007,380) 121,499,326,628 690,435,390,102 3,687,176,119 686,748,213,983 6,656,321,452 619,836,634,645 Thu nhap tir lai va cac khoart thu nhap Wang tir Lap bieu Nam 2013 , , Luj ke tir dau nam den cuOi Quj IV Nam 2012 Nam 2013 2,450,378,316,268 1,788,307,827,283 662,070,488,985 49,141,657,003 40,010,534,764 9,131,122,239 (66,918,123,889) (498,560,000) (6,816,442,737) 8,271,548,133 2,609,838,359 5,661,709,774 2,576,405,600 401,417,785,824 Chi phi hog d'Ong Lqi nhuan than tir host Ong kinh doanh trwo'c IX chi phi dg phong rui ro tin dyng Chi phi di phong rid ro tin dyng X 'Fling Iqi nhuan trtro'c thud XI Chi phi thud TNDN hien hanh tam tinh Chi phi thud TNDN hoan lai Chi phi thud TNDN tam tinh XII XIH Lwi nhuan sau thud XIV Lqi ich coa c6 (long thieu so Lai co, ban tren c6 phieu XV Quj IV , Dan vi tinh: VND 34 35 36 37 a n Trifnng Aleto • ChiLan Phwang Ninhl nam 2014 tiding Hd n:Oi, TOng Giam dOc 02786 HONG mal cifipaN S GUN-NA NO! reste 1441, fez -in ° 13fio cao tai chinh rieng Ie Quy IV nam 2013 SHB partners, flexible Sekaions mau so: Q-03a NGAN HANG TMCP SAI GON - HA NOI 77 Tran Hung Dao - Quan Hoan Kim - Ha NOi Fax: 04.39410942 Tel: 04.39423388 TD - BAO CAO LUU CHUYEN TIEN Tt - PPTT - QUY D VT: VND Chf lieu M3 eh lieu l'hu∎ ri minh Ltly Ice tir dau mini Mn cuoi quti, IV Nam 2013 Nam 2012 I LCUCHUYEN TIEN Te HoAT HONG KINH DOANH Thu nhap fai va cac khoan thu nhap tuang tu nhan duqc 01 7,742,029,584,018 7,575,903,348,329 Chi phi 181 va cac chi phi twang tis da Ira 02 (7,629,844,237,111) (7,091,728,165,648) Thu nhap tir hoat dOng dich \RI nhan dirqc 03 106,622,443,947 139,795,098,531 39,470,734,282 60,951,013,153 13,917,690,678 86,833,687,220 4,216,698,490 626,397,476 (1,493,545,209,199) (1,438,063,057,116) (159,578,375,013) (249,415,655,876) (1,376,710,669,908) (915,097,333,931) Chenh lech so tien thoc thu/thuc chi to hoat Ong kinh doanh 04 chOng khoan, yang bac, ngoai te 05 Thu nhap khac Tien thu cac khoan no da (Iliac xir ly xoa, NI dap bang nguim 06 phong rill ro 07 Tien chi tra cho nhan vien va hoat dang quan ly, ding vu (*) 08 TiC'n thud thu nhap thoc nap ks/ (*) Urn chuyen tien than tie hog dijng kinh doanh trtgrc nhumg 09 thay doi ye tai san va von lull dOng Nhang thay dal tdi sdn hogt dOng (Tang)/Giam cac khoan tien, yang girl va cho vay cac TCTD khac 10 (4,887,519,691,383) (15,633,690,878,306) 10 (Tang)/Giam cac khoan ve kinh doanh chimg khoan (Tang)/Giam cac ding co tai chinh phai sinh va cac tai san tai 11 chinh khac 12 (Tang)/Giam cac khoan cho vay khach hang (Tang)/Giam nguan phOng a bit dap tan that cac khoan (tin 13 (long, chang khoan, dau to dai han) 11 (6,067,076,151,324) 3,931,933,719,532 12 5,846,612,060 (1,813,377,971) 13 (19,597,866,859,419) (13,035,823,941,492) 14 (163,151,581,076) 14 (Tang)/Giam khac ye tai san hoat clang Nhang thay doi 14' cdng ng hogt ding 15 Tang/(Giam) car khoan no Chinh phil va NHNN 15 117,394,345,142 (73,750,166,495) 16 2,119,144,618,490 (2,184,953,736,805) 16 Tang/(Giam) cac khoan tien gin, tien vay cac TCTD 17 (1,091,870,191,216) 5,897,114,642,974 17 Tang/(Giam) tien giri cila khach hang (bao gam ca KBNN) 18 13,152,694,466,931 25,892,668,399,141 Tang/(Giam) phat hanh giAy to co gia (ngoai trir giay to co gia phat 19 hanh &roc tinh vao hoat clang tai chinh) 12,539,186,387,964 (7,471,664,430,501) 91,144,640,920 106,406,231,064 18 - Tang/(Giam) von tai try, us, tilde Mu tu, cho vay ma TCTD chiu raj 20 ro Tang/(Giam) cac cong cu tai chinh phai sinh va cac khoan no tai 21 20 chinh khac 22 21 Tang/(Giam) khac ye ding no hoat clang 176,900,190,475 (5,036,939,566,480) 23 24 (4,975,612,067,237) (8,525,610,439,270) Mua sam tai san co Binh 25 (457,392,497,595) (127,349,811,673) Tien thu tir ly, nhtrong ban TSCD Tien chi to ly, nhuong ban TSCD (*) 26 1,563,604,288 538,181,520,224 27 - - Mua sam bat clang san dau to (*) Tien thu to ban, ly bat dang san Mu to 28 Tien chi ban, Iy bat clang san dau to (*) Tien chi dau tu, gap von vao cac don vi khdc Tien thu dau tu, gop von vao cac don vi khac 30 31 32 8,000,260,483 24,221,565,818 Tien thu ca tirc va 101 nhuan duqc chia tir cac khoan dau tu, gap 33 von clai han 4,578,902,738 10,867,951,802 34 (443,249,730,086) 445,921,226,171 19 22 Chi to cac guy dm TCTD (*) Luu chuyen tien than tit hog dOng kinh doanh 6,271,815,107 11 LUll CHUYEN TIEN Tif HaNT BONG DAU TU Lull chuyen tien thun tir hog dOng au tu 29 III LUV CHUYEN TIEN TE 110AT HONG TAI CHINH N1A chi Thuyii mink ti'eu Chi tieu 35 TAng von có ph'an tir g6p von vWho4c phat hanh co phieu Tien thu tir Oat hanh gia'y tb co gia dai han c6 du dieu kien tinh 36 vao von tkr co va cac khoan von vay dai hurl khac Tien chi town giay to c6 gia dai han c6 du dieu kien tinh vao 37 von ttr c6 va cac khoan von vay dai han khac 38 Co Mc tra cho co &mg, loi nhuan da chia (*) 39 Tien chi mua co phieu ngan quy (*) 40 Tien thu &roc ban CO phieu ngan quy 1.fiy he tir (iu nom d J.n cuui (pis(' IV Nam 2013 Nam 2012 2,260,710,000 (1,065,758,545) (270,099,562,395) 41 (1,065,758,545) (267,838,852,395) IV Lim chuytn tin thuan ky 42 (5,419,927,555,868) (8,347,528,065,494) V Titn va cac khan twang throng tin tai thbi ditm dau ky 43 11,665,810,449,612 20,013,338,515,106 VI Ditu chinh anh hulTng cum thay ddi ts, gia 44 VII Titn va cac khan twang throng tin tai thbti ditm cuoi 14 45 6,245,882,893,744 11,665,810,449,612 Urn chuyen fief' than tir hoot ding tai chinh LOp bitu Do Thanh Phuong e town h Thi Lan Phtrang thong nom 2014 nOi, Tang Giam d6c THUYET MINH BAO CAO TAI CHINH RIENG LE Cho Qui IV nam 2013 SHB Solid partners flealtee solutions Ngfin hang TMCP Ski Gen — Ha Nqi THUYET MINH BAO CAO TAI CHINH RIENG LE Qin"( w NAM 2013 Thong tin ve ngin hang Giiy phep hoat 0041-NH/GP 13 thang 11 nam 1993 Ong Giay phep hoat dOng Ngan hang Nha nu& Viet Nam cap, , Ngan hang la 40 nam ke -Ur cap giay 010 Thai han hoat &Ong dau tien 110i ding Quin tri Chit tich Uy vien Uy vien Uy vien Uy vien Uy vien Thanh vien dOc lap Tai b6 nhiem thang nam 2012 Tai b6 nhiem thang nam 2012 Tai b6 nhiem thang nam 2012 B6 nhiem thang nam 2012 B6 nhiem thang nam 2012 B6 nhiem thang nam 2012 BO nhiem thang nam 2012 Ong Pham Hoa Binh Ong Nguyen Hisru Dirc Ba Hoang Thi Minh Ong Bui Thanh Tam Ban Tong Giam dOc Thanh vien Thanh vien Thanh vien Thanh vien Tai b6 nhiem 05 thang 05 nam 2012 Tai b6 nhiem 05 thang 05 nam 2012 B6 nhiem 05 thang 05 nam 2012 Tai b6 nhiem 05 thang nam 2012 Ong NguyL Van Le Ong Mng Trung Dang Ong Le Dang Khoa Nguygn Huy Tai NO Thu Ha Ninh Thi Lan Phu mg T6ng Giam d6c Pho T6ng Giam d6c Pho T6ng Giam d6c Ph6 T6ng Giam d6c Pho T6ng Giam d6c PhO T6ng Gam d6c kiem ke toan truing Tai b6 nhiem 21 thang nam 2010 136 nhiem 01 thang nam 2006 B6 nhiem 10 thang nam 2009 136 nhiem 18 thang 02 nam 2013 B6 nhiem 15 thang nam 2011 136 nhiem 08 thang 06 nam 2012 Dang T6 Loan Pho T6ng Giam d6c B6 nhiem thang 10 nam 2012 Ong Do Quang Hien Ong Nguyen Van Le Ong Tran Ng9c Linh Ong Pham HOng Thai Ong Pham Ng9c Tuan Ba Dam Ng9c Bich Ong Le Quang Thung Ban kiem soit Try so chinh S6 77 - Trail Hung Dao - Q.Hoan Kiem - TP.Ha NOi - Viet Nam ill SHB Solid partners, flexible solutions Ngfin hang TMCP Ski Gen — HA NOi • Cac khoan no diau chinh ky han tra no Fan dAu; • Cac khoan no co cAu lai died han tra no han theo thai han duoc co cap lai Nhom 3: No dual tieu chuan • Cac khoan no qua han tir 91 den 180 ngay; • Cac khoan no co cAu lai tiled han tra no ran dAu, trir cac khoan no diau chinh ky han tra no Ian dAu phan loai vao nhom 2; • Cac khoan no dugc mien hoc giam tai khach hang killing du kha nang tra tai dAy du theo hop d6ng tin dung; Nhom 4: No nghi nga • Cac khoan no qua han tir 181 den 360 ngay; Cac khoan no co du lai tiled han tra no lAn au qua han dugi 90 theo thai han • tra no duoc co cdu lai ran dAu; • Cac khoan no co cAu 14i th6i han tra no lAn thd hai; Nhom 5: Na có kha Jiang mat van • Cac khoan no qua han tren 360 ngay; Cac khoan no co cAu lai thai han tra no lAn dAu qua han tir 90 tra len theo thai • han tra no duoc co cdu lai lan dAu; Cac khoan no co cdu lai thOi han tra no lAn thin hai qua han theo thai han tra no • duoc co cAu 14i Ian thu hai; Cac khoan no co cAu lai thai han tra no ran thir ba tra len, ka ca chua bi qua han • hoc d'a qua han; • Cac khoan no khoanh, no ch6 xu 1Y; Theo Quyat dinh s6 493/2005/QD-NHNN 22 thang nam 2005 va Quyat dinh so 18/2007/QD-NHNN 25 thang nam 2007, d6i vai cac khoan no qua han, to chirc tin dung phan loai lai vao nhom no co ro thAp hon Ngan hang danh gia la CO du kha Wang thu hai dAy dir ca g6c va lai; va khach hang co tai lieu, 116 so chUng minh cac nguyen nhan lam khoan no qua han duoc xir ly, khdc phuc Ngan hang chi' dOng to quyet dinh phan loai cac khoan no vao cac nhom no rui ro cao hon tuong ung voi muc dO rui ro xay mot cac tn.rang hop sau day: Khi CO nhang din bian bAt lgi tir tac dOng tieu cue den m6i twang kinh doanh va • linh vuc kinh doanh; • Cac chi tieu tai chinh cud khach hang ho4c kha nang tra no cud khach hang bi suy giam; Khach hang khong cung cap cho Ngan hang cac thong tin tai chinh kip thai, dAy du • va chinh xac Ngan hang danh gia kha nang tra no cud khach hang a 1111 SHB Solid pcartnens flarlble solutions Ngfin hang TMCP Sai Gen — Ha NOi Dv phong riii ro tin dung: Viec tinh du phong cu the &rot can cir teen cac tS/ 1e ap dung cho tirng nhom no nhu sau: chr Na du tieu chuan 0% Ng can chia 5% Na &rod tieu chuAn 20% Ng nghi ngo 50% Ng c6 kha 'fang mat von 100% Tai san c6 dinh Tai san c6 dinh dugc the hien theo nguyen gia trir di khAu hao luy ka Nguyen gia bao g6m toan b6 cac chi phi ma Ngan hang phai b6 c6 dugc tai san ce dinh tinh den tiled diem dua a tai san vao trang thai san sang sir dung Tai san c6 dinh duac tinh khAu hao theo phuong phap &long thang de trir dan nguyen gia tai san suet th6i gian hiru dung trac tinh nhu sau: - Nha cilia, vat kien truc 25 nam - May moc, thiet bi 03 — 05 nam - Phizang tien van tai 06 - 10 nam - Thiet bi van phong 03- 07 nam -Tai san ce dinh hal hinh khac 04 - 07 nam -Phan mem may tinh 03 — 08 nam -Tai san c6 dinh vo hinh khac 02 — 20 nam Quyen sir dung dAt dugc khAu hao theo phuang phap throng thang phu hap vOi GiAy chirng nhan quyen sir dung Tat Quyen sir dung dAt vo thai han dugc ghi nhan theo gia g6c va khong tinh khAu hao 10 Tien va cac khoin tuning throng teen Tien va cac khoan tuang duong tien bao gem tien met, yang, da quy, tien giri toan tai NHNN, tin phieu Chinh phu va cac giAy to co gia ngan han du dieu kien chit khau vai NI-INN, cac khoan tien giri toan va tien giri, cho vay tai cac to chirc tin dung khac c6 thai han dao han kh6ng qua thang ke tir giri 111 SHB Solid partners, flexible solutions Ngan hang TMCP Sal Gen — HA NOi 11.Cac cong cu tai chinh phai sinh Cac cong cu tai chinh phai sinh &roc ghi nhan tren bang can diSi ke toan theo gia tri hop clung vao giao dich, va sau dugc dank gia lai theo gia tri hop 1SI Lgi nhuan hoac 18 cac ding cu tai chinh phai sinh &roc thuc hien dixgc ghi nhan bao cao ket qua hoat deng kinh doanh Lgi nhuan hoac 18 chua thkrc hien dugc ghi nhan vao khoan mac chinh Lech danh gia lai cac cong cu tai chinh phai sinh teen bang can d6i ke toan va dugc ket chuyen vao ket qua hog den kinh doanh vao thud diem cu6i nam 12.Ghi nh"Vn thu nh4p/ chi phi lai Ngan hang ghi nhan thu nhap tir lai va chi phi lai teen bao cao ket qua hog deng kinh doanh tren co see du thu, du chi 13.Ghi nh'Vn thu nhlap tir phi va hoa dich vu Ngan hang thu phi tir cac dich vu cung cap cho khach hang Thu nhap tir phi co the chia cac nhom sau: Phi thu lir viec cung cap dich vu mot theri gian nhat dinh: Phi thu tir viec • cung cap dich vu met theri gian nhat dinh dugc du thu su6t thud gian dg Phi bao Om phi quan 1St, phi nhan uy thac, hoa h8ng va cac phi lien quan den cap tin dung, quail 1)", tai san, phi quan 1ST danh nine va cac chi phi quan 1Sf' cung nhu phi to van khac Phi thu tir viec cung cap dich vu giao dich: Phi phat sinh tir viec dam phan va tham • gia dam phan cac giao dich cho met ben thin ba, vi du nhu dan 'cep viec mua co phan hoac cac log chi:mg khoan khac hoac mua 14i doanh nghiep , dugc ghi nhan hoan tat giao dich lien quan Phi hoac met phan cua khoan phi co lien quan den viec thkrc hien met cong viec nhat dinh se duvc ghi nhan hoan tat die'u kien tuang irng SHB Ngfin hang TMCP Sal Gan — Ha Ni 30 V6n va cac guy cita to chtic tin dung Don Vn gop/VOn dieu So dir dau ky Trieu ctd.ng TS, trtr A QDau ur Thang dtr A.A nhuan sau Qu, D phang A ACo phieu Chenh kch I I bo sung von fir p.xhat von co ! thue/ lily ta i :hinh gia hOi doa'i quF z Men le = tnen phan COng 134,7001 8,197: 9,447,8621 01 851,8081 851,8081 01 0, 8,865,7951 101,716; (5,260) _1 Tang Tang von lcST 342,700 851,808 Loi nhuan tang kS, 851,8081 Lai nhuan ding ty chuy6'n Giant Sir dung kS/ NOp thue CPC chuy6n LN v Vnam Mua cO phieu quy Chia co tirc IcS/ truov l Cac khoan giam khac SO dtr cuOi quSr o 8,865,795 101,7161 (5,260) 13 342,700 134,700 860,005 21 ScA0 SHB 11 113.luttor, Ngan hang TMCP Sai Gen — Ha NOi 31 Thu nh4p Lai va cfic khoin thu nhAp twang tty Quy IV.2013 QuY IV.2012 VND VND 2,288,739,781,996 3,543,623,157,300 Thu lai ti6n gfri 270,523,828,138 1,625,913,396,833 Thu tai tin vay 1,936,642,230,626 1,565,838,739,643 81,573,723,232 351,871,020,824 161,638,534,272 145,928,574,699 2,450,378,316,268 3,689,551,731,999 Thu nhilp Mi tidn giri Thu lai tir kinh doanh, dau to chirng khoan Na Thu khdc tir hoat dOng tin dung 32 Chi phi lAi va cac khoin chi phi twang tkr Quy IV.2013 Quy IV.2012 VND VND Tra fait& girl 1,493,367,214,252 3,155,751,980,882 Tra lai tiesn vay 137,847,671,579 27,945,567,979 Tra lai phat harsh giAy to co gia 158,701,211,896 85,109,846,551 (1,608,270,444) 74,222,648,279 1,788,307,827,283 3,343,030,043,691 Tra tai tiers thue tai chinh Chi phi hoat dOng tin dung khac 22 SI-IB Ngfin hang TMCP Ski Gen - HA Ni 33 Lai/ I thuAn tir hoat dOng dich vi 1V.2013 VND 49,141,657,003 19,917,378,530 19,088,077,715 1,929,958,985 684,297,213 7,521,944,560 (40,010,534,764) (6,150,380,846) (3,148,926,922) (30,711,226,996) 9,131,122,239 Thu phi dich vy - Hoat dOng toan - float diing bao lath - Hoat Ong ngan quy Dich vu dai 15 , - Thu phi dich vu khac 1Chi phi filch vu lien quan Hoat dOng town oat Ong ngan quSi - Chi phi dich vu khac Lai/ to thuan tir hoat Ong dich vu QuY IV.2012 VND 43,970,723,409 11,769,436,255! 26,530,899,238 1,346,052,291 259,058,604 4,065,277,021i (14,160,558,090) (3,029,949,066) (2,551,635,657) (8,578,973,367) 29,810,165,319 34 Lai/ to thuan tie hoat dOng kinh doanh ngoai hOi Qu3"/ IV.2013 VND O Thu nhilp tic hogt d' ng kinh doanh ngogi hi Thu tir kinh doanh ngoai t" giao Thu dr kinh doanh yang IV.2012 VND 22,850,381,747 17,793,101,261 10,579,503,168 4,566,558,006 361,754,705 - Thu tir cac cong cu tai chinh phai sinh tin to 11,909,123,874 13,226,543,255 O [Chiphi hogt d' ng kinh doanh ngogi hi (89,768,505,636) (20,938,311,258) (74,488,294,926) (18,235,677,026) Chi v6 kinh doanh ngoai t giao - Chi v6 kinh doanh yang (2,169,925,408) - Chi v'e cac cong cu tai chinh phai sinh tin (13,110,285,302) (2,702,634,232) Wail l thuAn tie hot Ong kinh doanh ngoai Lhi (66,918,123,889) (3,145,209,997) BM SHB Ngan hang TMCP Sai Gen — HA Ni • 35 Thu nifap tir gop vifm, mua co phan IV.2013 Qu IV.2012 VND VND tirc nhdn cltroc kj) tir gop van, mua ca phan _! - Tir chimg khoan V(in kinh doanh - Tir chirng khoan V6n dAu tu 2,576,405,600 6,656,321,452 2,576,405,600 6,656,321,452 L Quy IV.2013 - Tir gop v6n, dAu tu dai han Quy IV.2012 VND VND 12,388,184,998 11,458,978,789 173,668,827,414 239,436,392,768 87,826,825,087 102,722,518,323 110,699,295,545 251,405,001,531 16,819,185,178 14,841,008,649 15,467,602 (1,256,658) (26,008,757) 401,417,785,824 619,836,634,645 Lỗri nhifan nha'n durov tir cong ty 36 Chi phi hoat thling I !Chi nOp thu6 va cac khoan phi, 1" phi I-!Chi phi cho nhan vien ' !Chi v' tai san , 1C hi cho hoat dOng quan 1)" cong vu Chi nOp phi bao him, bao dam tin gai cila khach hang Chi phi du phong (khong tinh chi phi du phong rill ro tin dung not va ngoai bang; du phong giam gia chirng khoan) [!!!! phi hoat dOng khac Chi 1$1 S H B Ngfin hang TMCP Ski Gen —11a Nqi 37 Tien va cac khofin twang duong tien 31.12.2013 31/12/2012 VND VND 540,822,500,029 484,875,646,566 1,8 8,056,606,222 3,031,869,478,896 1,611,103,787,493 1,1 16,473,324,1 50 2,275,900,000,000 6,907,624,000,000 Ti6n mat va cac khoan tiring &rang tin tai quy Ti6n gin tai Ngan hang Nha mot [ Ti6n giri toan tai cac TCTD khac Ti6n giri va cho vay cac TCTD khac c6 ky han khong qua thang Chung khoan c45 that han thu h6i hoc ciao han khong qua 03 thang 1(6 tir mua 124,968,000,000 6,245,882,893,744 11,665,810,449,612 38 Lo#i hinh va gia tri tai san the chip ciia khach hang Gia tri tai thoi dem lap bao can Gia tri sii sach 31/12/2013 Bat dOng san 59,453,048,063,087 • 31/12/2012 46,623,608,910,715 31/12/2013 31/12/2012 59,453,048,063,087 46,623,608,910,715 Ding san 27,882,383,624,246 20,873,587,987,526 27,882,383,624,246 20,873,587,987,526 Chang tir c6 gia 20,607,278,738,124 11,971,473,902,364 20,607,278,738,124 11,971,473,902,364 Tai san khac 36,528,806,417,329 24,729,448,504,851 36,528,806,417,329 24,729,448,504,851 144,471,516,842,786 104,198,119,305,456 144,471,516,842,786 104,198,119,305,456 39 Nghia vu no• tiem in va cac cam ket dtra Trong qua trinh hoat dOng kinh doanh, Ngan hang thuc hiOn cac ding cu tai chinh lien quan den cac khoan muc ngoai bang can d6i k6 toan Cac cong cu tai chinh chu ye'u bao g6m cac cam 1c6t bao lanh va thu tin dung Cac cong cu cling tao nhang rut ro tin dung cho Ngan hang ngoai cac riii ro tin dung da dugc ghi nhAn not bang Rui ro tin dung cila cac cong cu tai chinh ngoai bang dugc dinh nghia la kha rang mang d6n rut ro tin dung cho Ngan hang mOt cac ben lien quan d6n cong cu tai chinh kh6ng thuc hien cac dieu khoan dm hop d6ng Bao lanh tai chinh la cac cam ke't có diL kien ma Ngan hang cap cho khach hang de giao dich vii mOt ben thir ba cac hoat dOng v" bao lanh vay von, bao lanh toan, bao lanh thuc hiOn hop ding va bao lanh du thAu Rut ro tin dung lien quan den viOc cap bao lanh ve co ban gi6ng rni ro cho vay khach hang Giao dich thu tin dung throng mai tra la loai giao dich Ngan hang cung cap tai chinh cho khach hang cua minh, th8ng throng IA ngoai mua/nha nhAp khAu hang hod va ben thu iJ SHB portnors floNibie 1.0uilone i Ngfin hang TMCP Sai Gan — Ha Ni huang la ngtroi ban/nha xuat khAu Rui ro tin dung thu tin dung tra thuong thap hang hod nhAp khAu duce dung de the chap cho loci giao dich Giao dich thu tin dung tra chAm se pith sinh rui ro hop d6ng da dugc thvc hien ma khach hang kitting toan cho ben thu huang Cac thu tin dung tra chAm khong dugc khach hang toan dugc Ngan hang ghi nhAn la khoan cho vay bat buOc va cong ng tuong ung the hien nghia vu tai chinh cita Ngan hang phai toan cho ben thu va thvc hien nghia vu cua Ngan hang viec bao lanh cho khach hang Ngan hang thuong yeu cAu khach hang 14 qu'y de dam bao cho cac cong cu tai chinh c6 lien quan den tin dung can thiet Gia tri 14, quSi dao d6ng to 0% den 100% gia tri cam ket dugc cap, thy thu6c vao mire c16 tin cAy cua khach hang Ngan hang danh gia Chi tiet cac khoan cong ng tiem an va cam ket ngoai bang vao 31 thang 12 nam 2013 nhu sau: BA.° lanh tai chinh Cam ket bao lath khac Thu tin dung tra chAm 1Thu tin dung tra 31/12/2013 VND 3,504,231,638,610 3,059,613,031,347 1,377,457,030,573 397,368,662,469 8,338,670,362,999 31/12/2012 VND 2,366,410,752,160 168,801,960,954 167,635,372,227 2,584,320,373,067 5,287,168,458,408 40 Giao dich voi cac ben lien quan Giao dich voi cac ben lien quan la the giao dich dugc thuc hien yen cac ben c6 lien quan vai Ngan hang Cac ben dugc coi la lien quan neu mot ben co kha rang kiem soat hoac c6 anh huong Bang ke d6i voi ben viec guy& dinh 6i vai cac chinh sa.ch tai chinh va hog d6ng M6t ben dugc coi la ben c6 lien quan vai Ngan hang neu: (a) Trvc tiep hoac gian tiep qua mot hay nhieu ben trung gian, ben nay: ► kiem soat hoac bi kiem soat hoac chiu sir kiem soat chung bai Ngan hang (bao g6m cac cong ty me, cong ty con); ► co von g6p vao Ngan hang va do c6 anh huong clang Ngan hang; ► c6 quyen d6ng kiem soat Ngan hang; (b) Ben lien quan la cong ty lien doanh, lien ket ma Ngan hang la mot ben lien doanh, lien ket; (c) Ben lien quan c6 vien la nhan su chinh Ban T6ng Giant d6c cua Ngan hang hoac cong ty me ctia Ngan hang; (d) Ben lien quan la vien mat thiet gia dinh cua bAt kS, ca nhan nao da neu DI SHB So parooss flootbe eoNtionz Ngfin hang TMCP Sai Gen — HA Ni diem (a) hoac (c); (e) Ben lien quan Id mot to chirc true tip hoac gidn tip chiu su kitm sok, d6ng kitm sok hoac chiu dnh huang clang ka, hoac c6 quyan biau guy& bai bat kS, ca nhan nao &roc de cap clan ditm (c) hoac (d) , Tom tat mot s6 giao dich lon vai cac ben lien quan qu)' IV nam 2013 nhu sau: Cac giao dich Thu tir dich vu iry thdc dau tu Thu c6 tire tir cong ty lien quan gong 87,640,811,140 T6mtAt cac khoan phai thu phai tra cac ben lien quan tai thoi diem 31 thing 12 nam 2013 nhu sau: Phai trei Phtii thu &jag d'Ong Ctic giao dick Cho vay Ky quy de kinh doanh chirng khodn Uy tilde dau to Tien giri khong kS7han Tian giri co kST han 2,727,522,146,287 645,331,732,999 1,258,874,549,044 1,492,600,000,000 3,372,853,879,286 2,751,474,549,044 41 Chinh sach quail 157111i ro lien quan den cac cong cu tai chinh Muc tieu cue Ngan hang la t6i da h6a gid tri dau tu cue c6 dong, gia vang t6c d6 tang twang loi nhuan va tinh hinh tai chinh lanh math Do vay, viec sir dung cac cong cu tai chinh, bao g6m nhan tian giri cue khdch hang NIA dau tu vao cac tai san tai chinh co chat luong cao da tar hog Ong mang tinh then ch6t giup Ngan hang dot &roc mirc chenh lech lei suet can thiat Xet tir khia canh quan 1S7 rui ro, diau doi hai Ngan hang kat hop mot cdch can d6i gicra cac cam kat ngoai bang (nhu bao lanh va thu tin dung) vii cac khoan cho vay (bang clang not to cang nhu ngoai voi cac ca nhan va t6 chirc thu6c cac mac d6 tin clay khdc Ben canh do, Ngan hang cling dau tu mot phan von luu dOng vao cac chi:mg khoan dau to hay cho cac ngan hang khac vay Nhang rui ro lien quan den trao d6i ngoai to va thay dai lei suet ducic quan b'r thong qua ap dung hen mirc that nham han the six tap trung qud mirc clang thoi tham gia vao cac hoot dOng c6 tic dung can bang ran de giam thiau rui ro Th6ng qua viec nam gia nhiau tai san la cac cong cu tai chinh c6 chat ltrong cao, ca cau bang can d6i ka toan hop nil& cue Ngan hang c6 du kha nang phong ngira rui ro yau qud trinh hoat dOng kinh doanh va dam bao kha nang khoan Them vao do, Ngan hang cling tham gia vao nhiau giao dich phong ngira rui ro lien quan ro lei suet clan cac cong cu tai chinh nhu cac cam kat hodn &Si ngoai to cho muc dich quan l Trong qud trinh quan ly rui ro tin dung, Ngan hang da sir dung c6 hitu qua Cam nang Tin dung ill SHB Sol pormers fIcnolbla soluilons Ngfin hang TMCP Sai Con — Ha NOi ghi chi tiet cac chinh sach va thu tuc cho vay ding nhu cac twang din thuc hien de chuan h6a cac hoat &ling tin dung dm Ngan hang Rui ro khoan dirge han the thong qua viec nam gift mOt so lugng lan tien mat va cac khoan tuang &rang tien &raj dang tai khoan Nostro, cac khoan tien giri c6 kY han tai Ngan hang Nha nu& va cac to chirc tin dung khac va cac gidy c6 gia Cac tS, an toan co tinh den yeu to rui ro ding dugc sir dung de quan 1y rui ro khoan Ngan hang thuang lien hanh dinh gia chenh Lech lai suit, so sanh vii cac thi truang nu& va qu6c to de c6 nhang dieu chinh kip thai Them vao do, viec ap dung cac quy trinh quan 1S, rui ro not b6 cung tra nen hieu qua hart nha viec trien khai He thong Quan 1Si Win Tap trung va He thOng Thanh toan Tap trung, theo toan b6 cac giao dich von va toan cua Ngan hang deu HOi sa chinh thuc hien Viec cho phep Ngan hang giam sat hieu qua han cac bin d6i va von va giam cac sai sot c6 the xay cung nhu nhang thu tuc phirc tap khong can thiet 42 Rui ro tin dung Rui ro tin dung la kha rang xay ton that hoat d6ng ngan hang dm to chirc tin dung khach hang khong thuc hien hoac khong c6 kha nang thuc hien ngliia vu cua minh theo cam ket Ngan hang kiem sok va quan ly rui ro tin dung bang cach thiet lap han mirc toan tuong img vii mirc dO rui ro ma ngan hang c6 the chap nhan dugc d6i vii moi khach hang va d6i vii rn8i linh vtrc dia ly, nganh nghe Ngan hang (la thiet lap quy trinh soat xet chat lucmg tin dung cho phep dtr bao sam nhang thay dOi ve tinh hinh tai chinh, kha nang tra ng ciia cac ben deii tic dua teen cac yeu to dinh tinh, dinh lugng Han mix tin dung d6i vii moi khach hang dugc thiet lap th6ng qua viec sir dung he thOng ?Cep hang tin dung, mc3i khach hang dugc xep loai a mOt mirc rui ro Mac d6 rui ro c6 the dirge sira di3i, cap nhat thuong xuyen 43 Riii ro thi truirng 44.1 Rtii ro lai suit Thai hp dinh lai lai suit thuc to la thai han lai tinh tir thii diem lap bao cao tai chinh cho tai ky dinh lai lai suit gin nhat cua cac khoan muc tai san va nguon von Cac gia dinh va dieu kien sau dugc ap dung phan tich thai han dinh lai lai suit thuc to cua cac tai san va cong no dm Ngan hang: ► Tien mat, yang bac da quy; gap On dau tu dai han va cac tai san co khac (bao gom tai san co dinh, bat d6ng san dau tu va tai san co khac, trir uy thac dau tu) &rot xep loai khoan muc kitting bi anh hiring dinh lai lai suit; ► Tien gin tai Ngan hang Nha ntrac Viet Nam dirge xep loai tien giri toan do ky han dinh 14i lai suit thuc to dirge xep loai den mot thang; BS SI-113 Solid partners Mo > solution Ngan hang TMCP Sai Gen — Ha N(ii ► Thai han dinh 14i lai suit thuc to cua chirng khoan diu to va chi mg khoan kinh doanh dugc tinh dua tren thai gian dao han thuc to tai tiled diem lap bao cao tai chinh cua tirng loai chirng khodn; ► Thai han dinh lai lai suit thuc to cua cac khoan tien giri va cho vay cac TCTD; cac khoan cho vay khach hang; cac khoan ng chinh phu va Ngan hang Nha nu& Viet Nam; cac khoan tien giri va vay cac To chirc tin dung va khoan muc tien giri cua khach hang dugc xac dinh nhu sau: Cac khoan muc c6 lai suit co dinh suOt thai gian cUa hop &Ong: Thai han dinh 14i lai suit thuc to dua tren thai gian dao han thuc to tinh tir thai diem lap bao cao tai chinh Cac khoan muc c6 lai suit tha nOi: Thai han dinh 14i lai suit thuc to caa cac hop dOng cho vay c6 thai gian dao han 14i clued thang dugc xac dinh dua tren thai gian dao han 14i; cac hop dOng c6 thai gian dao han 14i teen thang dugc xep vao loai tir thang den thang kS, dinh 14i lai suit dm Ngan hang tOi da la thang mot lin ► Thai han dinh lai lai suit thuc to cua khoan muc ngu'on von tai trg uS, tilde dau tu, cho vay ma to chirc tin dung chiu rui ro dugc tinh dua teen thai gian dao han 14i cila tang hop dOng; ► Thai han dinh lai lai suit cua cac khoan no khac dugc ?cep vao khoan muc khong bi anh huong dinh lai lai suit hoac kS, han to thang den thang Trong thuc te, cac khoan muc c6 the c6 thai gian dinh 14i lai suit khac SHB Solid partners, tbsiblo solutions Ngfin hang TMCP Sii Gen — Ha Ni Dan vi tinh: triOu dOng Kh6ng hi anh lunfrng dinh Ipi lai suet Den thang Tar 1- Wang Qua hpn 71,3 - thang TO, - 12 thang 7-Cr - nam Tref; nam Tong Tai sin 540,823 540,823 Tien mat, yang bac, di qu9 1,818,057 1,818,057 Tien 01 WI NHNN 11,158,971 Tien girl tai va cho vay cac TCTD khac (*) 14,514,277 4,726,080 - 30,399,328 Chung khoan kinh doanh (*) - Cac cong cu tai chinh phai sinh va cac tai san tai chinh khac - Cho vay khach hang (*) 48,113 Chirng khoan (lat.' hi (*) 37,757,436 1,926,036 6,267,486 1,818,938 15,734 76,468,938 300,605 816,326 2,526,555 3,602,540 10,365,757 1,003,955 18,663,851 563,552 Tai san có dinh va bat dOng san dau tu, 563,552 4,143,870 GO %Ain, dau tu, dai han (*) 4,143,870 9,165,783 Tai san CO khac (*) Tong tai san 23,927,237 4,756,071 4,756,071 35,386,825 2,523,244 12 16,280,197 53,088,040 10,094,026 43,320 224,000 11,701,915 12,184,695 11,956,359 1,063,008 144,554,777 Ng, phai tra - Tien girl cua va vay kr NHNN va cac TCTD khac 15,073,404 7,687,122 - 44,000 - Tien girl cua khach hang 40,168,767 27,390,445 14,022,686 7,894,078 1,355,350 Cac cong cu tai chinh phai sinh va cac khoan cong no' tai chinh khac 90,832,560 6,272 1,518 5,524 5,698 463,371 - 279 37,865 4,522,021 5,096,939 7,252,750 55,285,734 40,062,958 19,119,624 15,191,107 1,356,868 6,759 132,776,989 14,526,258 (19,898,908) 13,025,082 (7,417,709)_ (5,097,082) 10,827,827 1,056,250 11,777,787 Phat hanh giay to, co gia 4,756,071 1,753,939 476,390 16,909,575 1,747,667 1,747,667 Cac khoan no' khac NICpc chanh nhay cam voi lai suit not bang 1,235 6,272 V6n nhan tai trce, uirthac dau tty, cho vay ma TCTD chiu rill ro Tang no phai tra 22,804,526 30 SHB Send partners, flexible solutions Ngan hang TMCP Sal Gan — Ha NOi 44.2 RI:1i ro tien to Rui ro tien to IA rui ro ma gia tri cita cac cong cu tai chinh bi thay d6i xat phat tir nhUng thay d(f)i ve ty gia Ngan hang dugc lap va hoat (Icing tai Viet Nam vai d'ong tien bao cao la VND D6ng tien giao dich chinh cua Ngan hang ding la VND Cac khoan cho vay va img trtrac khach hang cua Ngan hang chit yeti bang VND, met phan bang USD va EUR Tuy nhien, met so tai san khac cua Ngan hang lai bang cac dong tien khac ngoai VND, USD va EUR Ngan hang da dtra met he th('Sng han mire de quan 13% trang thai cua cac di'5ng tien Trang thai d6ng tien dugc quan ly tren ca so hang va chin lugc phong ngira rui ro dugc Ngan hang sir dung dam bao rang trang thai a cua cac dong tien dugc tri han mire da thiet lap Phan loai tai san va cong ng theo loai tien to da dugc quy d6i sang VND vao 31 thang 12 nam 2013 nhu sau: 1101SHB 5.40 partners, flexible solutions Ngfin hang TMCP Sai Gott - Ha N6i Dan vi tinh: tri6u dOng EUR dircrc quy din USD dircyc quy dOi Cac ngoai tc" khac duvc quy dOi 27,172 187,659 15,305 230,135 - 547,496 - 547,496 193,798 6,957,079 86,219 7,237,096 - - - - Tong Tai san Tien met, yang bpc, da quy Tien girl tai NHNN Tien girl tai va cho vaycac TCTD khac (*) Chimg khoan kinh doanh (*) 122,907 879,939 - 1,002,846 35,742 9,681,308 104,655 9,821,706 ChUng khoan dau by (*) - 1,156,980 - 1,156,980 G6p von, drat., tty dai Ilan (*) - - 24,457 Cong Cu tai chinh phai sinh va cac tai san tai chinh khac (*) Cho vay khach hang (*) Tai san co Binh va bat Ong san deu tty Cac tai sari CO khac (*) T6ng tai san - 15,678 8,779 1,349 461,256 138 462,743 380,968 19,887,394 215,096 20,483,458 - 4,436,627 43,395 4,480,023 349,741 10,112,028 20,664 10,482,433 - - , Ng phai tra va von chi', so' htru Tien giri cua va vaytir NHNN va cac TCTD khac Tien girl dm khach hang Cac cong cm tai chinh phai sinh va cac khoan no' tai chinh khac Von tai trcr, uitthac deu by, cho vay ma TCTD chiu rUi ro Phat hanh giay ter co gia Cac khoan no' khac Von va cac qu9 T6ng ruy phai tra va von chti so' him Trong thai den to n6i bang Trpng thai tien to ngoai bang Trnng thai Wen t6 nii, ngoai bang 7,321 - 7,321 - 5,730,564 - 5,730,564 2,061 155,912 2,034 160,007 21,332 3,319 24,651 20,463,785 69,412 20,884,999 29,166 (576,391) 145,684 (401,541) (22,777) 509,730 6,388 (66,661) - 351,802 486,953 145,684 85,412 32 SHB Solid partneri, flexityle aoluton Ngfin hang TMCP Sai Gen — Ha NOi 44.3 Ittii ro khotin Rui ro khoan la rui ro Ngan hang gap kh6 khan viec thuc hien nhi:mg nghia vu cho cac cong ng tai chinh Rai ro khoan phat sinh Ngan hang c6 th6" khong du kha nang thuc vu tra ng nhang cong ng an han nhilng thai die'm binh thuang hoAc kho khan D6' giam thi6u rui ro khoan, ngan hang phai huy dOng tir nhi&su ngutm da dang khac ngoai ngu6n vein co ban dm ngan hang Diing thoi ngan hang can c6 chinh sach quan ly tai san c6 tinh khoan linh hog, theo dOi dang tien tuang lai va tinh khoan hang Ngan hang ding can danh gia dang tien du kin va kha nang san co cua tai san dam bao hien tai twang hop can huy dOng them nguiin von Thai gian dao han cua cac tai san va cong ng the hien thai gian lai cua tai san va cong no tinh tir lap bao cao tai chinh an toan theo quy dinh hop d6ng hoc dieu khoan pith hanh Cac gia dinh va dieu kien sau dugc ap dung phan tich thai gian den han cua cac tai san va ding ng cua Ngan hang: ► Tien gui tai Ngan hang Nha nu& V* Nam duge x6p loai tien gui toan, du frit bat buOc phi thuOc vao bao gom,tien giri du frit bat buOc So du dm tien phan va ky han cua cac khoan tien gui khach hang cua Ngan hang; ► Thai gian dao han cua chirng khoan au tu dugc tinh dua tren dao han cua tong loai chimg khodn; ► Chung khoan kinh doanh dugc x6p vao loai IcS/ han an thang; ► Thai gian an han cua cac khoan tien gui va cho vay cac TCTD va cac khoan cho vay khach hang dugc xac dinh dua vao den han cua hop dong quy dinh Thai gian den han thuc te co the thay doi cac khe uac cho vay dugc gia han Ngoai ra, cac khoan cho vay khach hang dugc the hi'e'n bang gia tri goc khong bao gom du phang rui ro; ► Thai gian den han cua cac khoan dau tu gap von mua co phAn &rot coi la han mot nam cac khoan dau tu khong c6 thai gian dao han xac dinh; ► Cac khoan tien gui, t*1 vay cua cac to chirc tin dung va cac khoan tien gui cua khach hang dugc xac dinh dua vao tinh chat cua cac khoan hoc thai gian dao han tren hop Tong Tai khoan Vostro va tien gui toan dugc thuc hien giao dich theo yeu cau cua khach hang va do dugc xep loai khong ky han Thai, gian dao han doi,v6i cac khoan vay va lien gui kST han dugc xac dinh dua tren den han theo hop dong Trong thuc te, cac khoan c6 the dugc quay yang va do tri thai gian dai han thai gian dao han ban dau; ► Thai gian d6n han cua tai san c6 dinh dugc xac dinh dua vao thei gian sit dung him ich lai cua tai san SHB A,f XibiA SA,As AAA Ngfin hang TMCP Ski Gan — Ha NOi Qua hart Tref; thang Trong h?n Den thang Den thang Tu' - thang 'Cr - 12 thang Tu' - aim Tref; 'Om Tiing TM san Tien mat, yang bac, da quy - - 540,823 - - - - 540,823 Tien 01 tai NHNN - - 1,818,057 - - - - 1,818,057 Tien girl tai va cho vay cac TCTD khac (*) - - 11,090,561 - 70,000 30,399,328 - - Chung khan kinh doanh (*) Cac tong cu tai chinh phai sinh va cac tai san tai chinh khac Cho vay khach hang (*) Chung khan du tty(*) 4,041,538 - 714,533 - GO von, du tu,dai hpn (*) - - Tai san co Binh va bat dOng an dau tu, - - Tai san CO khac (*) Tong tai san 4,041,538 714,533 - 14,165,313 - 5,073,455 - - - - 6,058,222 10,212,168 21,648,027 21,679,391 12,115,060 76,468,938 348,718 816,326 6,129,095 10,365,757 1,003,955 18,663,851 563,552 563,552 239,505 4,143,870 3,602,796 495 5,773 295,301 8,455,288 2,755,892 39,229 655,856 50,092 11,956,359 31,914,464 27,950,194 32,895,579 32,996,305 14,042,164 144,554,777 Ncy phai tra Tien girl cCia va vaytir NHNN va cac TCTD khac - - 15,073,404 7,687,122 44,000 Tien gi'ri cua khach hang - - 40,118,812 27,440,449 21,916,775 Cac tong cu tai chinh phai sinh va cac khan my tai chinh khac - - 6,272 - rill ro - - 5,698 13,775 159,219 Phat hanh giaytte co gia - - 37,865 4,522,021 12,349,689 Cac khan nce khac - - 1,747,667 ning no, phai tra - - 56,989,718 39,663,366 (25,075,254) (11,713,172) - 1,355,350 - - 22,804,526 1,174 90,832,560 - 6,272 Von tai trg, u9thac day tu', cho vay ma TCTD chiu IVICrc c north khoin rang 4,041,538 714,533 - - 281,827 - 15,871 - 476,390 16,909,575 1,747,667 1,637,177 17,045 132,776,989 (1,574,104) 31,359,128 14,025,119 11,777,787 34,469,683 34 SHB Solid partners, flexible solutions Ngfin hhng TMCP Sai Gen — Ha Nei 44 TY GIA MOT SO LOAI NGOAI rrt VAO THUI DIEM cull Qui? 31/12/2013 VND 31/12/2012 VND USD 21,036 20,828 EUR 29,036 27,566 GBP 34,902 33,689 CHF 23,704 22,847 JPY 201 243 SGD 16,685 17,046 AUD 21,678 21,678 HKD 2,694 2,690 CAD 19,806 20,964 CNY 3,463 3,286 XAU 3,470,500 4,601,000 Ha N.oi, thong elm 2014 Llap bleu Do Thanh Phaang Ninh i Lan 'Miran 35 ... 6,271, 648 ,000,000 77,679,865,5 64, 949 385, 245 ,42 4,157 4, 370,388,535,0 54 2,2 84, 441 ,41 4,077 1, 944 , 545 ,8 94, 786 645 ,209,7 84 298 ,43 7,357,539 40 ,812,951,968 106 ,49 7,192,097 ,40 9 9 ,44 7,862,379, 642 8,962,251,608 ,40 0... (106,6 34, 4 14, 2 74) (1,093,953 ,44 4) Tting cong ng (312 ,44 2,001,397) (1,093,953 ,44 4) 23,7 94, 787,9 24, 278 i 1 ,45 4 ,43 6,617 ,43 9 143 ,076,659,215,606 (132,169,296,288 ,44 0)i (178,198,098,5 84) i 94, 356, 845 ,183 ,44 6... 11,971 ,47 3,902,3 64 20,607,278,738,1 24 11,971 ,47 3,902,3 64 Tai san khac 36,528,806 ,41 7,329 24, 729 ,44 8,5 04, 851 36,528,806 ,41 7,329 24, 729 ,44 8,5 04, 851 144 ,47 1,516, 842 ,786 1 04, 198,119,305 ,45 6 144 ,47 1,516, 842 ,786