{.' -1 :.r -'f -[ ] *) ii -i rii \(;.i\ rr\\r; ntl o\i; )1.\l ('{J pu.\\ s-\t c0\ - u \ \{)! 7l Inn llrrirg i)uo - !]iriin Ilirn f.icrl - Ilir \oi I e i ()-i i9-111]83 Far: 0-l l9+ 109+l TD - BANG CA]\ DoI I<E ToiN Dott ,;t titL!t. I'),1,) Chi ticu l\lir chi Thur 6t s.{ ^ r: r.r. .(htllctlii0u-';"Silclrrjiki\lil!.lrrrrirrr ,\. 1'Ar S,\\ I f idn miit, r':.ing blc. rlri qu;i ll Tiiin grii tai \ll\\ III f i0n, ving giii tr.ri cf c TCTI) khric ri cho va"r- c:ic TCTD kh{c I f i0n. vang giri tar cac l-Cl D khric 2 Cho vav cac -f["]'D khdc 3 DrL phdng nii ro cho r ar cic TCTD khfc I\i Chrlng hhofn kinh doanh I Chung khodn kinh doanh 2 Du phdng gizirn giri chrmg khoan kinh doanh V Cric cdng cg tii chinh phf i sinh vir cric trii sin tii chinh khdc VI Cho vay khrich hing I Cho vl1'khich hdng 2 Du phong rui ro cho vay khich lang \'ll Chring khorin diu tu I Cltm: khoin dau u sin sirrrg di bun 2 ChtLng khoan dAu u giiL d6n ngal d6o lun ,l Du phong giam gia chung khorin diu tr \'lll Grip v6n, rtiu tu d:lri h4n I Dau tu vao cong t\ cDn 2 V6n g6p l€n doanh 3 Diu tu vao cong ty licn lct 4 DAu nr ddi han khic 5 Du phong gnm gi6 dAu nr dai han IX 'I'rii srin c6 dinh I Trii sdn c6 dinh hiiu hnh a Ngtry€n gid TSCD lfnt hinh b I'lcro mon TSCD htur hinh 2 Tai sdn c6 dinh thd riri chinh a Ngtty€n gtd TSCD b Llao ndn 1'SCD ; ,. , J I ar san co ornn vo trnlt a Nguv€n gid TSCD v6 knh b Ilao mdnTSCDvd hinh .X Biit ttQng sin iliu tu a Nguydn gi6 BESDT b FIao mdn BDSDT XI f ii sin C6 khric I Cac kholn phai thu 2 Cac khcrin lii, phi phai thu 3 'firi san rhu6 TNDN hcan lai 4 Tdi san Co khric 6,789, I 60, I 33,517 2,179,792,215,287 2,434.266,3s9,423 0 2, r 75,1 01,5s8,837 80,957 ,582,266,t21 - Trong do. Ltri th| tlnrong mat "l 5 Cdc khoan du phdng rui ro cho c6c ai sAn TONG TAr sAN c6 ilio rrio trii cI:inir liiug I ()ui II n:rrn 2l)12 )liu si: Q-{)1a il0 | :lt 130 l3l t)z l3s l.t0 141 149 150 160 r6l 169 170 t7) t72 179 2t0 211 212 213 2t4 219 ))(\ 221 222 223 al.1 225 226 ?.27 228 229 240 241 241 250 251 252 253 254 255 259 300 t8 15 3J0,6f15,3 I (r,8J2 16 819,8s8,205,006 t7 30,139,777,267,t52 30.139,777 267.152 {25, t 03,583,233 35,r I 1,52s,6J7 I 8,608,1 37,989,5 I 9 l 8,608, I 37,989,5 I 9 0 0 0 0 1,035,83{,699 28,80t,691,090,2 l5 29. l 58.660.639.905 (3 54,966,519,690) 11,847 ,391,199,737 12,25 1,2.+0,1 5i,537 2.61 0,8,X0.000,000 ( r 4,685,653,800) 35J,313,2,10,89J 20,000.000,000 U 3i.1.2 89,000,000 (97 5 .7 59,107) 2,251,131,121,711 166,929,631 ,123 25 1,1 8 1,883,743 (81,2s2,246,320) 0 0 '0 2,087:20t,484,321 2, I 06, 1,16,460,886 ( l 8,941,976.565) U U 5,631,871,J13,53d r,818,898,109,192 l ,670,3 95,5 98,054 0 2,142,577 ,606.288 0 U 70,962,793,799,261 (, 0 u 0 0 ,1,9.18,879,128 30,352,296,839, I 95 30,722.607,08 I.815 (370.3 I 0.242,6s0) 9,88{,12 r,863,s96 3, I 49,880.45 7,60 I 6,743,986.839,5 74 (9,445,43i,s 79) 35J,3 13,2J0,893 20,000,000,000 0 0 331,289,000,000 (97 5,7 59,t 07) 2,273,120,520,765 l 8l ,8 16,615,865 286,081,97 4,479 (r04,265,358,614) 0 0 0 2,091 ,303,90,1,900 2,1 14,854,195,531 (23,550,290,63 I ) t9 20 2I )7 23 1n 25 26 C6 nQi bang kh6c t hr riiLr .',li rlti l-i:r:r it ,r:,, -,, S,i tuoi kj :,i tl.iu rri.inl lu \r) r,r1 \r t'R,i \.\ \,o.\ c'trr so Hi-r't. I ( ric khrrin no {lhinh phii ri \li\\ il i i0n grii ri val cria e:ic T'CI-D lihric I l rin ,qLl cua cao TCTD khac I Var ca; 'frlD khac III 'Ii0n qii cda khich h)ng t\ Cic cring cy t:ii chinh phii sinh vir c:ic khtrin ng trii chinh kh:ic !' \'6n tii trq, ui th:ic ttiu tu. cho Ie-v nrh'ICTD phii chiu rii ro 1t I jtf i ljf:t;: x:::1 :ij iJ0 gla Vll Crlc liho.in \g'lihric I (ldc khoan ldi. phi phai rra 2 lhuO l'NDir- ht-un llt plrai trd 3 Cac khrxin phai trd \a cOns rlo khiic .1 DtL phong rui ro khac 'l 1'!o N^ nhjii +-;i . " 6 ' 'Y VIII \'6n vir c6c qu! i Vdn cira TCTD ,,; ,.; ,^ a I on dteu le b I'ain dtiu fir XDCB c Thiing du'viin ci phi;t d Cri phieu qtg c to ptlteu u1t aor g L'6n khdc 2 Qui cLra TC'fD J r'henl, Iceh rr gia h6i doii J Chinh l.lch danh gia lai ai sdn 5 L()r Illuiil;hLrr phin plui VIII Loi ich cria cd tldng thi0u s6 TONG NO. PHAI R{ VA V6N CHO SO HO'U cAc csi TrEU NGoAr BANG Nghia vg nqr tidm rin Bio l6nh vay'"6n Cam k6t trong nghiOp vu I-lC Biio linh khac Liip bi6u f tl\l L\"' 80,957,582,266,12{ 70,962,793,199,261 Ki Toin'Inro'nq,", /. , />ulcw t.t / tl | ' /'/ tiil I i,'r ! "' / | - j a z'-" Ninh Th! Lan Phumg 800,000,000,000 2, t 8J,95J,7J ir,8{)5 2J,553,0t)3,9J I , I 3 e I 5,909,083,396,9 t {t 2i.558.00tt,93 1, i i9 t ).909.08i.i96,9 1 0 UU 'i"i,7j 1,1 75,0;0,50j iJ,8 i J,6i(i,8ri i ,855 00 286,959,312,{19 226,386,012,tt9 1,2J0,69J,67{,05J u,20s,239,76 t ,1 80 1,652,877 ,263,392 817,790,400,75J 92t ,949,317 ,7 t9 523 ,636,092,47 | 00 705,691,116.576 267,839,366,098 25,233,801,097 26,3t4,942,t85 75,279,"t15,213,507 65,r58,100,189,923 5,677,867,022,617 5,801,693,009,JJ8 4,908,53 5,898,400 4,908,53 5,898,400 '1,8 I 5,795,470,000 4,8 I 5,795,470,000 00 98,000,000,000 (-5,259,57 1,600) 0 v 267,33 1,866.s68 (r6,101,265,082) U 5 I 8, I 00,522.73 I 98,000,000,000 (5,259,57 I,600) 0 0 267,33 1,866,568 0 0 628.825,241,370 0 3,5J6,868,633,908 20,000,000,000 373,089,120,487 3,208,80s,978,726 538,227,8s2,678 2,670,578,126.048 I 8 thting 07 ndm 20 I 2 GiSm D6c *-t'"- Jlr) J:1) i: I 3Zl .3:1{) JJ{) 3s0 3ii0 J/1, 371 372 373 379 .r00 500 410 1t I 412 413 4rl 4t5 1t6 420 430 4!+0 ,150 700 800 910 911 9t2 913 aa 23 l() 30 3l 3l 1a Nguy4n Thi NgQc Oanlt {,:Yfi NGAN HANG 9 1' 9€ - Vlr :'^ € r =t e - gat-cF- N I \i+6 In-? E-=e5e.r 5 e\.)ic-\"5 5.??ll!s , X!.J.*"rc- \ C q. q.{ \ o )€CV]- jer.\\9* + Fd- 99 r l" r c F in = = 9 ? d.a N ro .ra a c ?1.>'n"'!.? =. €-l .:€-\\ v! 6i.r *-I q !.19-Nc\c .l:-na-= ci Nea a,i N @'? + rn co - = \ % co ra, - r,f, 6 n i1 - ylaaa!\ct ;-r-^lnq q.r\q = i 99 \C d N - e \9 s<- t o \9 Oo S eS F- d' € \ !: + *.i fi N r ct * lO. C\ -i n. .C- cO = =t = ) ON \ \ N '5 cc ,.v_,?v,?c,d__==_?r 6 r ?c-, = qr,5:.i3r.a r, rr) ad d\5€ '. F 9a99^t 'r 38-: 1 { 4 i qi 9 99 q-oo is,li.l9e:: 9 )= s\ T11.+ = c Eis"q iqE=3K=30 + 3;: == 3 Ner-r.+ -;ac1ii-i *t jd+ +i Igf -;K3:,=.:d?-o ^i 'e\e€ :aF l;+a,;F*o;3;$i3 3 $iR R3 5.649-o-' =''r* fl € -fl: g= IXFlCfig 3!aI=s € R;3-en :l:aln9oo-\ Y \ vt d "5" 5"i- € \ec.r+F-cc ^inirq-6i n Fi€ \9€' :f=-c dr, s:-9,gry+ r r=s -r, I.!-rr:99 Ilr-+ j* *- 44- 4q - h\''+r€€ ;e-q-r,ci j nerj ri,n \ N!*n€F =1 aciE i- \co\oi c.i5 -:f _'o :.n\t-vl fia 'c\a,q a 44.e 4E \!-c-\c.f,=JJN6iirN6a,6i E5.E-' -'e 'K N ;+ +9 $ a=s s F4tg"iqRA s" fltA-afi n=iiaf 1i$3+:.aa g 5t5 gE ple:Sssaqrng-q s q=5 3i 3H+;=FR-i=3* 3I afis FR \g* \s i \)\t L\\* - \ \: tr - I \\r s \$rs '! \: | :: ( m-+ €f-€3C-N.r) _N6INN vt\5rF- te.iO 5 3 3.3 3 3 5 3 3 c r:: I 6 - N 1. -C{ oo 5 < .G .6 a.t Z N'f N+ \'? <G3 ,c* :e , 4i:t , e1€ €t!, c io O =i ,) z D - - ,hL t-' J* t*{ qe rF N N z a.l z a.l al Z <.? i \\o F\o d .<G .<o l>1 J F 5C =trr id N €'F A a'X = .;5(6 lrO :-f I Z z z r) I -iE^ ,-' Z * 2.9 3 .<T; - E: r' I , ' !- = 7 ,t : <! -x*:. = , 1z= v-::c ; S: U AA A ,4. ' l{.i& H 2: :ll -E.rc Fl: i, o f; rA .t !:l V) -f:* - 2.,= -; ! ' a.n - . ZF: rlr,:-r SI{B rcir u,,\,rc r\rcP sAr col - rt.r xet 77 Trdn Hung Dao - Quin lloin Krirl - IIa Nii I.ax:0,1.39,11t)9.12 TD - BAO CAO LUU CHUYEN TIEN TE - Bdo cio tii chinh riOng lr Quf II ndm 2012 l{iu sii: Q-0la PPTT - QU.f DL'T 1',\ L) Lfiy kd tir dAu ndm d6n cu6i quy u Nim 2012 Nlm 201 I l'el:04.39,113388 Chi ti0u ifl6 chi Thuydt tiOu minh t I 2 J A 5 6 7 8 9 l0 1l Iz l3 14 l5 t6 17 l8 l9 II ; 4 5 6 7 8 9 20 21 22 ;UII C'HT]\'EN TIT:{ Ti]'HO$T DSNG KINH DOANI{ Thu nhdp ldi vd ciic khozin thu nhdp tuong tu nhin cluoc Chi phi lai vd c6c chi phi tuong tu da tril Thu nhAp tu hoat tl6ng dich vu nhdn ducrc Chdnh l€ch s6 tien thuc thu/thuc chi tu hoat d6ng kinh doanh chung khoan, vang bac, ngoai tC 'Ihu nh{p khac Tidn thu cac khoan no- dd ducrc xu t1 roa. bu ttip bing ngu6n dg phong rui ro Ti0n chi tra cho rrhdn vi6n vd hoat dOng quin l1'. c6ng vu (+) Ti0n thu0 thu nhdp thuc n6p trong k! (*) Luu chuy6n tidn thuiin til ho?t dQng kinh doanh tru6c nhiing thav tl6i vd ti,i.,in r,ir v6n Iu'u ttOng Nhfing tha'r, ddi vi tdi srt,, hottt ilQng (Tang)/Ciiim cac khoan tiin, vdng giri vd cho va1'cac TC1'D khac (Tang)/Giiim cac khoan ve kinh doanh chring khoan (Tlng)/Giam c6c cOrrg cu tai chinh phai sinli vd cdc tai san tiii chinh khdc (Tang)/Giiim cac khozin clro val kltach hdng (T[ng)/Girim ngudn du phirng dC bil dap tiin thit cac khoan ltin dung. chung khoan, dAu tu ddi han) (Tang)/Giairn khac vA tdi sin ho4t tf6ng Nhirng thay et6i vi c6ttg nq'hogtt tlQng Tang/(Girim) cdc lihoan nc'r Chinh phti vd NHNN Tingl rtriarnt cac khoart tidn g.ui. tiirr var cic TCTI) 'l'ang rGiarnl tlen gui cux khach harrg tbao sotn ca KBNITT Tangl(Giiim) phat hanh gidl'to co gid ingoai trn giril'1cr co gid plrdt hirnh duoc tinh vdo hoat hdng tdi chfnh) Tang/(Giiirn) v6n tdi tro, u1' thfc ddu tu, cho va1' md l'C'l'D chirr rili ro Tengi(Cid'n) c6c cting cu 1,.i .hinh ph;ri sinh t d cac khorin no 1:ii chfnh khdc TIng/(rJiirn) khac v€ cOng no hoat dOng Chi tu cfc qu! cia TCTD (+) Lu'u chul'6n tiin thuin til hoSt tlQng kinh doarh Lttl CHt.r\.EN Tit\ TU'HO.{T EQNG D.Ar.r .IIi ,*4uil sarn tai san co dinh Ti6n thu t',r lha:rh l;J'" rhuo:rg bfu 'l-SCD Tr0n chi tu thanh l1', nhutrng ban TSCD (*) Mua sirrr b6t dQng san dAu tu (*) Tii'n thu tu bln. thanh lv.,hrit ,lqng satt datt trr Ti0n chi ra do biin, thanir l! bAr dQng san rJiu Ltr (i') Ti€n chi ddu tu. gtrp v6n vio chc dcrn vi khdc firn thu dAu tu. gtrp ron ra.' cic dr'lt |j kllrc 'I'i0n rhu cd tuc vir lrri nhudn duoc chia til ciic Lh,rrit dliu tu. gi)p v6n dai han Luu chul'6n tiin thuin til hogt ilong diu lu Lt tr crrtrl'uN'l'IEli Ti" It0.rl'Do\-G T'.Ll {ltli\II 0l 02 03 04 05 06 07 08 09 IO ll l2 13 I4 I) l6 17 18 I9 2A 2l 22 23 21 1 ,t30,454.399 ,924 (3,5 I 8,220.304,333) 87.755,440.430 27,229,195.213 87.837.177,228 325,7 19,9 I 6 (57 1.924. l 33.63 l ) (17 0.296.169.373\ 73,161.025,371 (9,457.112.11 6,766 ) 491.387,201.302 (9 l i.044,429) ( l,5 63,e46.14 l .910) (398,605,s07. l 06) (1.38.+.qs3.736.805) 7 ,690.s72,666,269 9,926.528. I 58.648 (6.964.545.087. l 2.6) 60.5 7i.l 20.000 5 1.t89.5s 1.922 ( l,476.864,270,657) (54.3 3 8.7 8 s. l 72 ) 2.10.9{)9^{)9 I 1.()91.261.i)50 (s3.006,6 l d,r 3l ) 2,771.23i'.920.111 (2,784,81 2.83 6.822 ) 30.7 89.3 75,65 5 35,537.2(r3,93 I 3,691.081.767 597.5:7. i 0( ) (460.332.1 I l.lil,i t (2 I 2.679.8 I 3. l 05 ) (6 13,007,592,1 s0) (3 8S,q00.000.000) (:116.608.318.145) (9.21e.9:i2 0 l4 ) (2.563.5 I5,9-i / .lf fi (82s.5s 1.090.301) -203,7 t6. t50.lJ ll 4.392,953.4i 5. I 59 7.608.890.i81.5-r j -2.693.331.57fi.018 ;1(1.9-lli"l-,li (r r ( 2.89t).5 9(). 5 00 ()\l ) (3.0 1 8.5 7 I ^e r.i ) (:r9" 776.818.5.1IJ ) .1,292,206.385.857 (27.101.' /'().i;l ) -5.5 ()0. ()(i0.000 I ().l8ti.t()t).(rii(i (12.81J.1 ?0.i72) l) )(: 27 28 29 30 3l 32 JJ 1t III Ml chi Thuy0t ti€u minh lilm 2012 NIm 2011 Loy k6 tn'dAu ntrm d6n cu6i quj' Il Chi ti6u I flng vdn drdu 16 ]j . Tiirr thu tu phht hhnh giiy trr c6 gia dai han c6 rlu didu kiCn tinh - taovontucoyacAckhoiinv6nvavddi hankhric ro , Ti0n chi thanh loan gify tcr co gia iai hqn co du diiu ki€n tinh vio ," ' r'6n tu c6 vd cac khoin v6n vay dai lian khac -1 / 4 C6 tuc tra cho c6 ddng, lo-i nhudn di chia (*) 38 5 Ti€n chi ra mua c6 phi6u ngdn qu! (*) 39 6 Ti6n thu dugc do bdn c6 phi6u ngdn qui 40 Lu'u chuy6n ti6n thuAn ti'ho4t tlQng tii chfnh .11 IV Luu chuy6n tiin thuAn trong ki 12 'V Ti6n vi crlc khorin tu'o'ng duorg ti€n tai thdi di€n dnu kj' 43 VI Diiu chinh inh hu.6'ng ciia that' d6i {'gid 14 ViI Tidn vA cric khoAn tuorrg du'o'ng tian tai thdi Oi0m cu6i fi 45 L4p bi0u K6 to{n frufng /,# ::t ]' 't/' Ngu),An Thi Ng?c Oanh Ninh{hi Lun Phuorrg ( 1 87.502.1 22,5 1 0) (187,s02.122,si 0) (1.71 7,373,007,298) 20,0 I J,338,s1 5,106 I 8,29s,965,507.808 THlJii{i; f,tAi c0 P I .3 1 8.276 100.()01) ( I 79,385.600.00()) -220.19.1.050,.120 0 9l 8.697,7{9,580.00 5. I 98.089.961.u6s 9.50r,678,1 82.Js5 1.1,699,768.147.J20 18 thdng 07 ndm 201 2 Girlm dilc 3 {\lt ,v t' /,/ \\ t9/ q/ 'a\ \-d I ,* * ,,1{r'' <rf THUYET MINHBAO CAO TAr cHixn rufNG LE Cho Oui II ndm 2012 ffi+ SHIi Ngin hirng TMCP Shi Gdn - Hn NQi , THUYET MINH BAO CAO TAI CHINH RIENG LE Quf II nilm 2012 1. Thdng tin vG ngin hirng Gi6v ph6p ho4t ilQng tliiil:1ffi?l',1'.jft:J*h';J;u6c viQt Nam c6p tholi han hoat ddng cna Ngan hdng ld 40 ndm kil til ngdy c6p giSry phep dAu ti6n. HQi tl6ng Quin tri Chu tich Tai b6 nhi6m ngdy 05 th6ng 5 ndm20l2 Uy vi6n Tai bo nhiem ngdy 05 thdng 5 n1m20l2 Uy vi€n Tdi bo nhiem ngdy 05 th6ng 5 ndm2012 Uy vi6n Bo nhiem ngdy 05 th6ng 5 ndn2012 Uy vi6n Bo nhi€m ng2ry 05 th6ng 05 ndm20l2 Uy vi6n 86 nhi€m ngiry 05 th6ng 05 ndm2012 Thdnh vi6n d6c l6p B6 nhiQm ngdy 05 th6ng 05 ndm 2012 Ong D6 Quang Hi6n 6ng Nguy6n Vdn L€ 6ng TrAn Ngoc Linh Ong Pham Hdng Thai Ong Pham Ngoc Tudn Bd rtim Ngoc Bich Ong LO Quang Thung Ban ki6m so6t Ong Pham Hda Binh Thdnh vi€n Ong Nguy6n Hii'u Dilc Thdnh vi€n Bd Hodng Thi Minh Thdnh vi€n Ong Bni Thanh Tdm Thdnh vi6n Ban Tdng Gi6m tliic 6ng Nguy6n Vdn L€ T6ng Gi6m ddc T6i b6 nhiQm ngdy 21 th6ng 5 ndm 201 0 Ori Ui.L Trung Diing Ph6 T6ng Giam d6c Bo nhiem ngdy 0l thang 9 ndm 2006 6ng BniTin Nghi Ph6 T6ng Gidm doc Bo nhi€m ngdy 05 th6ng 6 ndm2007 $ng L€ Ddng Khoa Pho Tong Giam d6c Bo nhiCrn ngdy l0 thring 4 ndm 2009 ph4m Vdn Thing Pho Tong Giam d6c 86 nhi6m ngdy 0l th6ng 1 I n[in'2010 Ng6 Thu Hd Ph6 T6ng Gi6m cl6c 86 nhiem ngdy 15 th6ng 3 ndm 2011 Ninh Thi Lan phuo.ng Ph6 T6ng Gi6m d6c Bd nhi€m ngdy 08 th6ng 06 nirm 2012 ki6m k6 to6n truo'ng Trg so chinh Sa n - TrAn Hung Dao - Q.Hodn Ki6m - TP.Hd N6i - Vi€t Nam 2. Dic cli6m ho4t itQng ciia td chrlc tin dgng Ng6n hdng Thuo.ng mai Cd phAn Sdi Gon - HA NQi (du6i dAy goi tdt lir "Ngdn hdng") ld m6t ngdn hdng thuo.ng mai c6 phAn ViQt Nam thdnh lQp tAi nu6c C6ng hda Xd hOi Chfi nghTa Vi6t Nam v6,ithd'i gian ho4t ddng ld 40 ndm theo 0041-NH/GP ngdy 13 thring 1l ndm 1993 cfia Ngdn hdng Nhd'nu6.c Vi6t Nam. V6n di€u l€ cira NgAn hdng tai ngdy 3111212011 ld 4,815,795,470,000 dong (B6n nghin tiim rrdm mr.rd'i lam ty biy trdm chin larn trieu bdn trdm bdy muoi nghin ddng). I T6ib6 nhi€m ngdy 05 th6ng 05 ndm2012 T6i bO nhi6m nghy 05 th6ng 05 ndm2012 86 nhi€rn ngdy 05 thring 05 ndm 2012 T6i bd nhi6m ngdy 05 th6ng 5 ndm2012 'f,fi,,frS}{|J_ Ngffn hhng TMCP Shi Gdn - Hi NQi HQi s6'chfnh c[ra Ngdn hdng d{t t?i Sd 77 - Trdn Hung Dao - Q.Hodn Ki€m - HA NQi - Vi0t Nam. Taingdy 3010612012,Ng4n hdng c62691nhdn vi6n (DAu ndm 2012:2574 nh6n vi€n). 3. T6m tit cric chinh srich k6 to{n chfr y6u ChuAn muc vi cn6 a9 k6 torin 6p dung Ngdn hdng trinh bdy c6c b6o c6o tdi chinh bing ddng ViQt Nam (VND) theo Ludt c5c T6 chfc Tfn dung, LuQt srl'a d6i vd bO sung mQt sO diiiu trong Ludt c6c Td chr?c Tin dung, c6c chuAn muc k6 toiin Vi€t Nam vd HQ th6ng K6 to6n c6c t6 chf'c tin dr,rng ViQt Nam. K! b6o c6o vir don vi ti6n tQ Kj, brlo ciio cua NgAn hdng Uat Oau tir ngdy 0110112012 vd ktit thric vdo ngdy 3010612012. Do-n vi ti€n tQ sir dung trong ghi chdp k{f to6n ld dOng ViQt Nam (VND). 4. Nguy0n tic ghi nhin cric nghiQp vg bing ngo4i tQ vir quy cl6i Theo hQ th6ng kt5 to6n cta NgAn hdng, tAt cit circ nghiQp vq ph6t sinh cria NgAn hdng cluo-c hach toiin theo nguyOn tQ. TAi thd'i di6m cu6i nAm, tdi sdn vir cdng no- c6 ngudn g5c ngoai td duo-c quyit6i sang VND theo ty gi6 quy dinh vdo ngdy lQp b6ng cAn O6it<C todn.C6c khodn thu nhdp vd chi phi bing ngoai tQ cria Ng6n hdng dugc h4ch to6n bdng VND theo ti gi6 vdo ngdy ph6t sinh thdng qua giao dich mua b6n ngo4i tQ. Ch6nh lQch tj' gi6 do clinh gi6 lai c6c tdi khoAn kinh doanh ngoai t0 cluo.'c h4ch to6n vdo b6o c6o Kdt qu6 Hoqt d6ng Kinh doanh vd loi nhu6n e'5 tai. Ch€nh lQch tj, gi6 ph6t sinh do quy ddi cdc tai sin vd cdng no- kh6c bang ngoai tf sang VND duo. c xir ly viro doanh s5 cira c6c kho6n mUc tuong ri'ng tr0n bdng cdn O5l t<C to6n viro ngdy l6p b6o c6o tdi chfnh. 5. Chring khofn tlflu tu giii cl6n ngdy d6o h4n Chring kho6n no- giir d6n ngay d6o han ld c6c chring khorin c6 k! han c5 elnn vd c6c khodn thanh toiin cO Oinn hodc c6 th6 x6c dinh duo. c vd Ban T6ng Cirim d5c co y d!nh va c6 khA ning giir cltin ngdy clSo han. Ngdn hdng clang ghi nhdn c6c chfng kho6n nhy theo gia gdc cdng ldi d,r.thu tril ldi cho'phdn b6. Gi6 tri phu trdi hoac chi6t kh6u (nt5u c6) cfrng clugc phAn 6nh vdo giri tri ghi s6 cua khoAn dAu tu. Ldi du'o-c du thu hodc phAn botheo phuong phap ctuo'ng thdng. Chrlng khoiin duo-c giu d6n khi cl6o h4n se duo-c xem xet v€ khA ndng gi6m gi6. Chf'ng khodn duo'c lAp du phdng giam ' giri khi gidtrithitrud'ng nho hon gi6tri ghi's6. Du phong giAm gi6 cluo.c ghi nhQn vdo b6o c6o kt5t quA hopt cl6ng kinh doanh. 6. Chrirng khorin dAu tu sfrn sirng OO nen Chri'ng kho6n dAu tu' sin sdng e6 ban ld c6c chri'ng khodn duo-c giir trong tho'i gian khong 6n dinh tru6'c, c6 th6 duo-c b6n Ae Oap ring nhu cAu thanh khoAn ho4c d€ f'ng ph6 v6'i trudng ho-o thay OOi tai (u6t, ti gi6, ho4c gi6 tri chri'ng kho6n. Ngdn hdng clang ghi nhdn c6c chri'ng kho6n ndy theo W,TIASHB Ngdn hhng TMCP Sii Gdn - He NQi gi6 g6c c6ng ldi du thu tru l6i cho phdn b6. Gi6 tri phu trQi hodc chi€t kh6u (n6u c6) cling duo-c phan iinh vdo gi6 tri ghi so cua khodn dAu tu. Ldi duoc du thu hoac phAn b6 theo phuo'ng ph6p duo'ng thdng. C6c chf'ng khorin ndy dugc ilinh gi6 dinh kj theo gi6 tri thi truong vd dy phdng gi6m giri trl s6 duo-c ldp khi gi6trithi trud'ng nh6 hon gi6 tri ghi s6. Du phong gidm giri cluo-c ghi nhdn vdo b6o c6o kdt quA hoat clQng kinh doanh. 7, Chrirng khoin kinh doanh Chring khoiin kinh doanh ld ch(rng kho6n ban dAu duo. c mua vd nfm giD cho muc clfch kinh doanh trong ngin han hodc n6u Ban T6ng Gi6m ddc quy6t clinh nhu vdy. Ngdn hdng clang ghi nhdn ciic chf'ng khoiin ndy theo gi6 g6c vdo ngdy giao dich. Trong c6c k! ti6p theo, ciic chring khorin tii5p tuc duo-c ghi nhAn theo giri g6c. Tuy nhi€n, gi6 tri thi trudng cia ciic chti'ng khoiin v6n dugc NgAn hang theo d6i de danh giri ve Ura ndng gi6m gi6 khi gi6 tri thi trud'ng th6p ho'n gi6 g6c. Ngoai trir trud'ng ho-p khdng th6 x6c dinh gi6 tri thi trud'ng mQt c6ch ch6c chin thi gi6 tri cira chfng duo. c tinh dua tr6n nguyen gi6 sau khi trir di t6n th6t udc tinh (n6u co). Lii hodc l5 tir kinh doanh chfng kho6n dugc ghi nhAn tren bao cao k6t qud ho4t clQng kinh doanh theo s5 thuAn. 8. Cfc khoin cho vay C6c khoAn cho vay ngln han c6 kj,hqn dudi 1 nim; c6c khoAn cho vay vd cho thuO tdi chfnh trung han c6 kj,han tu' I nam d€n 5 nam vd cac khoAn cho vay vd cho thu€ tdi chfnh ddi han c6 k! han tr€n 5 ndm k6 tir ngdy gidi ng6n. ViQc ph6n loai no- vd l4p dU phdng nii ro tfn dung dugc thuc hi6n theo Quytit dinh s6 493120051QD-NHNN ngity 22 th6ng 4 ndm 2005 va Quy6t dinh s5 l8l2007lQD-NHNN ngiry 25 thdng 4 ndm 2007 cria Th6ng d6c NgAn hdng Nhd nudc Vi6t Nam. C6c kho6n cho vay duo-c phdn thdnh ndm nh6m no cdn cf vdo tinh hinh trd no vd ciic y6u t6 dinh tinh nhu sau: Nhdm L' Nq di ri€u chuan o Circ khoAn no'trong han md Ngdn hdng d6nh gi6 ld c6 dir kha ndng thu hdi dAy d0 ca g5c vd ldi dfng tho'i han; . Ciic khoAn no qud han duo'i 10 ngay vd NgAn hdng d6nh gi6 ld c6 khd nang thu hoi d6y dri gdc vd lai bi quri han vd thu h6i dAy dn g6c vd ldi dring thoi han cdn lai; Nhdm 2; Nq can chti y . C6c khoin no quii han tir 10 ngdy cltin 90 ngay; . C6c khodn no- clieu chinh kj'han tr6 no lAn dAu; . C6c kho6n no- cd c6u lai thoi han tri no trong hgn theo thd'i han duo. c co c6u lai. Nhdnt J.' Nrr dtrcti tiQu chuan , c Cdc kho6n no- quii han tir'91 d6n 180 ngiry; L / a t 7e.\4.SH.L3 Ngdn hhng TMCP Shi Gdn - Hn NQi . Cdc kho6n ng co'cAu lai thoi han trA no lAn dAu, tril ciic khoin no- <li€u chinh kj' han trd ng lAn dAu phAn loai vdo nh6m 2; . CttckhoAn no duo. c mi6n hoic gi6m l6i do kh6ch hdng kh6ng dir kha ndng trA lai dAy drl . theo hqp dong tin dqng; Nhdm 4: Nq nghi ngd . . C6c khodn no qu6 han tir 181 d6n 360 ngiry; . C6c khoirn no- co cAu lai tho'i han trA ng lAn dAu qud han du6'i 90 ngdy theo thd'i han tr6 ng duo-c co c6u lai lAn dAu; o Cfrc khoin no co c6u hi thoi han trir no- lAn thri hai; Nhdm 5: Nq c6 khd ndng mtit viin o C6c khoAn no quii han tr€n 360 ngdY; . Cic kho6n no co c6u lai thoi hpn tr6 no lAn dAu qu6 han tir'90 ngdy tro' l€n theo thd'i han trA no- duo-c co'c6u lai lAn dAu; r Ciic khodn no- co' c6u lai thd'i han tr6 no- lAn thil hai quii han theo tho'i han trA no- . duo-c co cAu lai lAn thfl hai; o C6c khoAn no. co cAu lai thd'i han trA no- lAn thrjr ba tro'ldn, k6 ca chua bi qu6 h4n hoic cld qu6 han; . Cfrc khoAn ng khoanh, no- chd xu lY; Theo euytit drnh s6 +SZIZOO5/QD-NHNN ngiry 22 thitng 4 ndm 2005 vd Quy6t dinh s6 lgl2111lQD-NHNN ngity 25 thing4 ndm2007, O6i vOi ciic khodn no- quii han, td chri'c tfn dung phAn lo4i lai vdo nh6m no- c6 nii ro th6p hon khiNgAn hdng cl6nh gi6 ld c6 dt kha ndng thu nOi Aay di cA g6c vd ldi; vd kh6ch hdng c6 tdi li€u, hd so chung minh c6c nguy€n nhdn ldm khoan no- ndy quil han duo. c x0' ly, khdc phuc. Ngdn hdng chir ddng tLI quy6t ainn phAn loai c6c khoAn no viro c6c nh6m no rti ro cao ho-n tuong ilng v6i mri'c dQ rti ro khi xdy ra mdt trong c6c trud'ng ho-p sau ddy: . Khi c6 nhtng di6n bitin b6t lo.'i tt t6c dQng ti6u cg'c d6n mdi truong kinh doanh vd lTnh vuc kinh doanh; o Circchi ti6u tdi chinh cira kh6cJrhdng hoic khA ndng trd no c0a kh6ch hdng bi suy gidml o Kh6ch hdng khdng cung c6p cho NgAn hdng ciic thOng tin tdi chinh kip thoi. dAy du vd chfnh x6c d€ Ng6n hdng cl6nh gi6 kh6 n6ng tr6 no- cr]a kh6ch hdng. Dr,r phdng riri ro tin dgng: ViQc tfnh du phong cu thrS duo-c cdn cf tr6n cic ty l€ 6p dung cho tilng nh6m no nhu sau: [...]... ving gfri vi vay cric td chric tin dgng khfc 3it12t20r1 30t06t20 12 VND VND Tiin, - Bang VND - ^l Bang vdng vd ngoai Bing VND - ^: virng vd ngoai Bang 3,073,4 62, 954,g1o 3,073,4 32, 231,736 950,504,108 30, 723 ,174 21 ,28 2,979 ,24 2,000 12, 83 5, 620 ,4 42, 000 tQ -.; vdng gfri cd kjt hqtn Ti2n, - 2, 275, 029 ,689,139 2, 274,079,185,031 vdng g{ri kh6ng kjt hqn 19,711, 524 ,44 .2, 000 te | 1 ,7 52, 564,4 42, 000 ,57 1 ,454,800,000... tG 3Ut2t20tl 30t06t20 12 trigu VND VND 'h 3,478,7 62 12. 30 2, 676,4 92 9.53 5,068,777 18.07 triQu N6ng nghi€p vd lAm nghiQp vd thty srin 4,654,700 15.15 Khai kho6ng 2, 578,051 8.39 4,996,113 16 .26 533,157 1.74 486,4 52 1.64 8,569 0.03 6,t95 0. 02 ? q7R Rq? 9.70 3.30t.4', 72 9 .24 6,406,578 20 .85 s.7 42. 949 21 .03 1,637 ,24 2 ).JJ 1,553,41 8 4. 82 rr0q04 3.68 7 82, 87 | J.IJ 40 1)4 0.13 28 ,0 32 177,3 42 0.58 463 ,20 9 1.40... VND lii ti€n thu6 tdi chinh 157,763,633 26 8,141,735 Chi phi hoat dQng tin dr,rng kh6c 2, O59,975,100,599 1,4'77 ,22 5,707, 524 35.Lailt6 tnuen tir ho4t ilQng dich vg Quy II .20 12 VND Quf II .20 1l VND TItu phf dlch v4t 31,868,638,160 2I,144,1 62, 467 - Hoqt d6ng thanh todn 10,1 42, 101 ,29 3 12, 776;638 ,23 7 17,755 ,25 2,638 5,749,4 02, 127 1 ,20 3,689,5 42 1,899,5 82, 479 174,677,945 3,355,034 3,1 92, 916,7 42 715,184,590 -... 18 ,29 5,965,507,807 20 ,013,338,515,106 han khdng qu6 3 th6ng Ch['ng khodn c6 thoi hqn thu hdi hoac cl6o han khdng qu6 03 th6ng k0 tir ngdy 21 ,,; NgAn 11 sFIB hing TMCP Siri Gdn - Hn 42. Loqi hinh vdr gi6 NQi tritdri sin th6 chAp cria khrich hirng Gii tri s6 Gi6 tri tqi thd'itli0m l6p b6o c6o sich 30t06t20r2 3Ur2 120 11 30t06 120 12 3Ul2t20rl Ilat dQng sdn 28 .22 2,37 4.114.1 12 26.816,564,8 62. 146 28 .22 2.31... l2 nim COng c4 TC phrii sinh tiin trlao OlCn Ky nan 579,683,1 I0 s, 528 ,5 62, 238 608. 327 ,850.098 579,683.1 I 0 20 11 398,483,360,9 12 tlen te Giao dich hoan d6i kj' h4n 4,035,834,699 343,538,67 t,1 12 tQ ,'l 20 Cho vay khdch 5, 528 ,5 62, 238 4,619.608 ,29 9 (6 r 3.773.600) 54,944,689,800 hing 30t06t20 12 VND Cho vay c6c t6 chf'c kinh t6, cd nhAn trong nu6c , i ,, a 31il2t2011 VND 30,407,731 ,22 8,140 28 , 920 ,22 7,441,804... 27 8,343,046,891 30, 722 ,607,081,845 29 ,158,660,639,905 30t06t20 12 3Ut2t2011 \TND \TND No ngan han 19 ,28 6,949,787 ,848 18,51 1,039,358,086 -Ng trung han 6,448,585,977 ,793 6,394,82r, 023 ,356 No ddi han 4,987,071,316 ,20 4 4 ,25 2,800 ,25 8,463 20 .2 Phin tich du nq theo thdi gian 30, 722 ,607,081,845 20 .3 Phfln tich du nq cho vay theo tISi tuong khrich hing vdr 29 ,159,660,639,905 lo4i hinh doanh nghiQp 30106 120 12 tri6u VND... t$-''liSHB NgAn hhng TMCP Shi Gdn 15 - Hi NQi Ti6n m{t, v}rng b4c, tI6 qu;f 30106 120 12 \T{D VND Ti6n m4t bdng VND 22 2,588,8 32, 200 29 3,734 ,28 1,400 J -.1 mqt bang ngo4i tQ Ti€n -., 118,096,484,6 42 131,369,301,883 340,685,316,8 42 16 3U12t2011 425 ,103,583 ,28 3 Ti6n giri t4i NgAn hirng Nhdr nudc 30t06t20t2 \TND \ND 819.858 .20 5.006 35,rr1, 525 ,637 819,858 ,20 5,006 - Ti6n gui thanh to6n t4i Ngdn hdng Nhir nu6c 3Ur2t201l... vdrng, ngoai t0 r, VND 28 6,036,400,000 V6n nhAn t2ti tro-, uy th6c dAu tu, cho vay bing VND 311 121 2011 22 5,463,080,000 922 ,9 32, 419 922 ,9 32, 419 28 6,959,3 32, ,419 22 6,386,0 12, 419 21 SFIIS ,r'iii Ngin hhng TMCP Shi Gdn - Hn NQi 31 Cfc khoin nq khfc 30t06t20 12 VNI) Ctic kltodn pltdi trd nQi bQ - Qu! khen thuo'ng, phfc lo-i - C6c khoAn phAi trA nQi bQ kh6c Ctic khofrn phdi - trt b2n ngodi C6c kho6n ph6i... Hn NQi 26 .Tdi sin C6 khfc 30t06t20 12 VNI) C6c kho6n l6i, phf ph6i thu 3Ut2t20tl VNt) 2, 434 ,26 6,359, 423 Chi phi xdy dung co b6n do dang 1,670,395,598,054 63,8 02, 120 ,395 2, 115,990,094,8 92 rti 2, 1 42, 577 ,606 ,28 8 6,789,160,133,547 Du phdng 1,765,077 ,564,085 2, 17 5,101 ,5 5 8,837 C6c kho6n ph6i thu (x) 53, 820 ,545,107 5,631,871,313,534 ro cho c6c tdi san C6 kh6c Tdi sdn C6 khric (*): Khdng bao g6m tdi sAn... nr6t vi€c ldm 3Ul2t20tl tri khSc rui ro ktttic ti' - Dr,r phong d6i voi c6c cam kdt dua ra 7,639,548,900 4,993,861,514 I 1,108 ,28 8,5 l4 34 ,21 3,079,077 129 ,6 62, 921 ,548 92, 2 52, 636, 025 25 ,23 3,801,097 26 ,314,9 42, 184 25 ,23 1,338,5 88 26 ,314,937, 327 - Du phdng cho c6c dich vq thanh toiin - Du phdng nii ro khSc (Dtr phdng rfii ro hoat dong, khong bao gon d4r phong khac 2, 4 62, 509 ,l R17 diji v6i tdi san Cd n6i . :lt 130 l3l t)z l3s l.t0 141 149 150 160 r6l 169 170 t7) t 72 179 2t0 21 1 21 2 21 3 2t4 21 9 ))( 22 1 22 2 22 3 al.1 22 5 22 6 ? .27 22 8 22 9 24 0 24 1 24 1 25 0 25 1 25 2 25 3 25 4 25 5 25 9 300 t8 15 3J0,6f15,3 I (r,8J2 16 819,8s8 ,20 5,006 t7 30,139,777 ,26 7,t 52 30.139,777. lli 30t06t20 12 VND 30,407,731 ,22 8,140 48,459,171,3 72 283,841,67 5 7 ,29 4,583,180 23 8,688,880,000 20 ,149,377,478 28 , 920 ,22 7,441,804 22 ,168,473,454 2, 270, 922 ,114 I 0,7l g,g 10,67 4 20 3 ,27 4,991,859 30, 722 ,607,081,845 29 ,1. vdng 340,685,316,8 42 425 ,103,583 ,28 3 30106 120 12 T{D 3U12t2011 VND 22 2,588,8 32, 200 118,096,484,6 42 293,734 ,28 1,400 131,369,301,883 30t06t20t2 TND 3Ur2t201l ND 819.858 .20 5.006 35,rr1, 525 ,637 819,858 ,20 5,006