NNSITB NGAN HANG THU,ONG MAI Co PHAN SAI GoN - HA NoI 77 TrAn Hrrng Dao - Qur'ru Hoan Kidrn - Hi Noi 86o c5o tii chintr riOng le Quy III ndm 201 I Miu sii: Q-0la Tel: 021.39423388 Fax: 0:1,39,110942 Chi ti€u TD - BANG cAx ool KE ToAN N{5 chi Thuy0l ti6u minh sti cuiil t<1, 30/9/20rr Don vr tinh \/N[) 56 dAu rrim 0t/r/21111 A. TAISAN I Ti6n m[t, vhng bac, tl6 quy II Tidn giii tai NI{NN III Ti6n, vhng giii tpi c6c'ICTD kh6c vi cho vay cAc TCTD kh6c I Tien, ving gu.i tai cdc TC'I'D khiic 2 Cho vay ciic TC'ID khric 3 Dy phdng r.ui r.o cho vay c6c TC.ID khdc IV Chf'ng k_ho6n kinh doanh I Chfng khodn kinh doanh 2 Du phdng giarn giir chilne khoiin kinh iloanh V Cdc c6ng cu thi chinh ph6i sinh vi c6c tii srin tiri chinh kh6c VI CIro vay kh6ch hhng I Cho vay khrich hing 2 Du phdng riti ro cho vay khdch hing VII Chfrrg kho6n dAu tu, I Chrlrng khodn clAu tLL sin siLng cl6 biin 2 ChIng khorin dirr ru giir den ngay cliitr han 3 Du phdng girirn giri chring khoiin cliu tu VIII G6p v6n, tliu tu'clhi han I Ddu tu vio cOng ry con 2 V6n g6p li6n cloanh 3 t)Au rr-r v.\o cdng ty li6n k€r zl l)atr tu dir han khirc 5 Du phong giarn giii r.lltrr trr tlai han IX Tii srin cii dirrh I Tii san cd dinh h0u hinh a Ngtq,An gi(i TSCD hiiu hinh b Hao min TSCD hiiu hinh 2 Tdi sein cd dinh thuO tiri chinh a NguyAn gi(i TSCD b Hao rnon TSCI) 3 f ii san c6 dlrrh v6 hrnn a Nguy€n giti TSCD v6 hinh b Hao mbn TSCI) v6 hinh X n6t d6ng srin tlAu tu. rr Nguydn giJ BI)Sl)T b Hao mdn BDSI)T X Thi srin C6 lduic I Cdc khorin phdi rhu 2 Cdc khoan lii, phi phai thu 3 Tai sdn thue TNDN hodn lai 4 Tdi san Cci khhc 5 Cdc khoan du phirng rui ro cho cdc tiri srin C6 n6i ban-e kh6c r6un'nircirr 6 r ar J.al \ \_\, 110 120 r30 l3r t32 139 140 1.1 I I .1 (-) l5() 160 r6l 169 t70 t7l t72 t79 2t0 211 212 :t-) 211 219 220 221 222 22-l 111 22.t 226 221 22,9 :29 2111 211 2:ll 250 25 1 25: 253 1iJ 259 Jr)t) l5 16 t7 312,016,679,909 . 599,691,354,221 19,170,059,625,373 19,170,05u,625,373 201,358,461,805 505,232,194,161 11,636,661,809,819 I I,636,661.tJ09,819 l8 l9 20 2l 'r) 8,712,466,949 27,943,196,951 ,358 28,25 1,846,63 1,476 (308,64q,680,1 l8) 11,992,510,142,769 8,061,537,779,569 3,844,340,000,000 ( 13,367,3 3 6,800) 3541,289,000,000 10,000,(100.000 33:1,2ti9,()00,000 2,186,736,149,903 137,214,997,614 201,203,762,568 (69,98U.77,{,954) 2,049,521,162,799 2,058,899,1 13,391 (9,377.956.202) 7,257,795,879,064 1 ,623.t43.662".782 2,719.9'74,380,260 2,881,671.836,022 69.725,007,549,344 24,02tt,5 9ti,2 95,68 -r 2zl,30l " l-i3.993,562 -2'72.555.6e7 .879 ti,517,942.24 .J l'7,.;9',r,(X);.),i)tjt) 1,525,133,248,46 1 125,533,{126,46 l 17 5 ,2.1 I ,387 .9'82. -41' 717 561 .52 | I,399,599,,122,{101) l,;106,36-5, i9E,-i41 -6,76(r"()7tr,+.1 I 4,261,547,.14.{.iI13 l.7t) l, I 5t),.r+r),t)6 | 9 79,5 80,'r 7 8.,13 6 I ,490,807,?. t6,916 51,013,g62,99g,45 l Page 1 a1 25 firyc,oi ,trd,{0re n Chi tiGu NIii chi Thuydt s6 cu6i ty Sii tlAu nlm ti0u mintr 3O/9/Z0tl 0t/U20tl B NO. PHAI TIrA VA VON CHIJ SO HOU I C6c khojin no Chinh phii vh NHNN II Tidn giii vi vay ciia cdc TCTD kh{c I Ti0n giLi cua cric TCTD khi{c 2 Vay cric TCTD khdc III Ti6n grii ciia khrich hhng IV C6c c6ng cg thi chfrrh phdi sinh vir cdc khorin n-o tii chinh kh6c V V6n thi trq, uli ttrdc dAu tu,, cho vay mh TCTD phni chiu rrii ro VI Ph6t hinh giAy til cd gi6 VII Cric klroan Ng'khric I Cric khoan lii, phi phrii tra 2 Thu0 TNDN hoan lai phdi tr.ri 3 Cdc khoan phai tlii vh c6ng no khr'rc 4 Du phdng rrhi ro khdc Tdng No phiii trri VIII Viin vir c6c 4r! I V6n cua TCTD ,,; r,i ,- il von dtcu le b V6n dAu tLt XDC-B c Thqng du v6rt c6 phtin d Co pltieu qrr.i ^; ,,; c Lo pllretr utr (l(n g V6n khtic 2 Qtrj cua TCTD . 3 ChOnh lQch diurh giri lai tiri srin 4 Ch0nh lfch ti giri hOi Oorii 5 Ltri nhudn chua phin ph6i VIII Lqi ich ciia c6 n6ng thi0u s6 TONG NgPHAT rn^ VA voN crru so HUIJ cAc cui TrEu NGoAr BANG I Nghia vqr ng tidm in i I ttito tatln vi.i) vorl 2 Cam kdt trong nghiOp vu L/C 3 Btio linh khric 3I0 32(l 321 )11 130 340 350 360 370 371 312 373 319 4(Xl 5(X) .1 10 1u 112 11.1 ltl 115 1t6 .120 .r30 440 ,150 700 8(X) 9I0 9ll 9t2 913 29 l9 30 3l 27 1,930,884,379,690 21,176,319,716,603 28 2t.476.348.716.603 903,716,150,912 13,271,538,819,944 I 3,27 l,-538,tt I 9,9.14 25,640,942,032,967 2,999,590,560 380,399,241,657 5,745,355,769,404 892,306,676,7117 685,020,330,679 199.356,611,315 1,929,6(t8.653 46,837,057,280,95 | 4,176,805,71lJ,503 3,590,2-59.498.4(X) 3,497 ,5 | 9,070,000 98,000,000,000 -5,259,571,600 32,620,933,267,37 5 432,555,999,999 6,713,806,517,279 878,609,691,681 697,325,205,590 167 ,15 t, t45,095 13,532,3.10,996 61,1153,137,592,627 32 5,671,969,956,717 4,908,-s3 5,898,400 4,8 I 5,795,.170,000 98,000,000,000 (5,259,571,600) 160,689,933,2iJ3 (3,090,3 t2.231) 605,'734,131.27 | 69,725,1107,549,344 51,01 43 2,5gg,gl4,.lgg,7l2 1 ,269,565,20g,g91 165,146,741.200 587,663,956,526 2,t23,167,118,512 6ti1,901,252,165 Lap bitiu I f7 K6 Tor{n rru.,r.,,f,flL, Nguyin Th! 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I E, Tr|:Y iie^ lI F d.m , | , .r A co H >;n rA'a qs \JJr E i- g 7,F-; - ,<._E d ,. ,:i . zs# $ SrIB NcAN HiNG TN,rcp sAr (;oN _ H.i Nor // ltiln Hrrng l)ar' - Qtrirr lloau Kienr _ Hi Noi Tel:04.39.12338U Fax:0:1.39.110942 116o crio t:\i chinh ri6ng li Quf III nnm 20ll Nliiu s6: Q-03a DVl . \,ND TD - BAO CAO I,UU CHUYEN TIIIN 1'Ii - PI)TT - QU'f Chi ti6u Md ctri Thuy6t tiOu minh !ry k.i tir diu nfim o0n cu6i quy IIt Nfrm 20ll Nnm 2010 I I 2 3 4 5 6 7 d I,TIU CHUYI'N TIIIN TTI'IIOIl' I)ONG KINH DOANH Thu nhAp lai vd ciic khoan thLr nhtip tLLtrng trr nhAn clu,o.c Chi phi Idi vi c/rc chi phi rtrorrg rrr da rr.a 1'hu nhdp til hoat d6ng clich vr-r nhdn cJLroc 0t 02 03 3,787,715,911,138 (4,2 I I ,052,099,21 9) 37,680,246,233 50,653,05 8,795 1,39 I .249 ,510 987,139,111 (753,88.1,.129,484 ) (215,206,613,456) ( I,299,715,536,676) (9 i ,260,000.000) (3,36 I ,erJ8,696.010) (8.7 t2,466.ii4ri ) (3,950,692,637,914) 0 ( I,8?rJ.800,.535, 1 82) 1 ,027, 1 68,228,87S u,20.1,809,896,65 9 6,91t0,09 I ,23,1,50u l, r B I,7.l0.4itrJ,-542 52.1s7,118,312 , -2,899,590,-i60 (68.512.63+.1 68) ( 3 3, [13 (r.0:l(,r, 63 6) 6,750,5"19.449,935 136.772.i.122,lii3) 181,818,t82 0 0 0 0 - | 6,900.000.000 0 -l 1 .497,(r9fi.2tr0 (21,993.305,80 t ) 1,819,.1t'7 ,424,524 ( 1,331 ,671.506,25 I ) 20, I 88,979,723 84,706,502.78I 30, ti0ti,20,5.000 85t,rJ31.322 (412,637,62.1,896) (94,871,1 76,1 36) 176,790,636.067 (208,000,000,(x)() ) (390.461.Ei5(),7l) i ) (3,16(r,61 (2,r180,|t60.,1 I 2,77tr) 8,,: I ti l2:1,593.4 /9 ,+. 1.15,16.5, I ti4.93 1 .+49.799,(;:17,793 0 162,101,4t3.B14 . +.60-3, I ()0,000 519,759,99,1,659 ( l5tt,6lrj,7tt9,397) 0 0 0 0 0 -4 t ,{)!x),00(),(100 (! J(r 70.1,|t91.()10 (I6.1,{)04,898,-t66 t Chdnh lOch s6 tidn thLr.c rhu/thu.c chi tir hoat cl6ng kinh doanh chrlnB ,,., khoiin, virng bac, ngoai t6 'fhrr rrhip khrc 05 Ti€n thu cdc khoan no cld clutrc xri lli xori, bn dip bdng nguon du ,,, phong lui ro l,h Ti6n chi triicho nhin viOn vii hoar d6ng quiin Iy, c6ng vu (") Ti0n thu6 thu nhdp rhuc n6p rrong kj,(*) Lu'u chuy0n tidn thuAn ti.hoirt dQng kintr doanh trrrric nhii.ng ,,, thay d6i v0 tii srin vA viin lu,u d6ng Nhintg thay ddi vi tdi stin horlt tl,ttg 01 08 v 10 L2 l3 I4 (Ting)/Gidrn cdc khoan tiOn, vdng gili vi cho vay ciic.l.C.fD kh6c (l'hng)/Cirim cdc khoriu vd kinh cloanh chiurg khoiin (Tdng)/Giam r:dc: c6nlr cLr rii chinh phrii sinh vi ciic rir san rii chinh khiic (TAng)/Giam ciic khodn cho vay khdch hing ('fdng)lGizim ngu6n dp phdlg cl6 bn dap r6n thtit c6c khodn (tin dung, chirng khodn, dAu tLr dii han) (Ting)/Cianr kh/rc v0 tii srin hoat C6ng Nhirng thay ttdi vi c6ng nq hogt d6ng l5 Tang/(Giam) ciic khoiln no Chinh phir vi NIINN l6 T[ng/(Cidrn) ciic khodn tiOn gu,i, ti€n vay cdc TCTD 17 Ting/(Girim) tiOn gLri cLra khdch hiurg (bao g6n cri KBNN) lu ]irr,8/t.Ciuni l)lrirr lnnh gial ro !.o gri rnuoli rr.ir giriy lo co.r.:ri ph,rt hiltlh du(vc tinI r'i1 [ol1 fl11;'* tlri clrirrl.l ,, SngfGtn,") von til rlo, u! rhirc cliu rLL, cho vay md TCTD chiLr rui Tdng/(Giarn) cdc c6ng cu tiji chinh phiii sinh vir chinh khric 'l'ang/(Girin) khdc vd c6ng no- hoar cl6ng Chi tir ciic clu! cria TC'TD 1:r; Lu'u chuydn ti6n thuiin tr),hoat d6ng kinh doanh LTiI] CHUYT'N TIIIN T'iI'rIO:\T DONG DAT] TI I' Mur s6m lai \an (.o (irlrh Ti6n thu tir thanh ly, nhuo-ng brin .t.SCI) Tien chl lu rhlnlr 11 rrhLrorrg hjrr 1'S('l) 1.*y l0 ll 12. l3 l.+ l5 t6 tl lrl l9 20 20 2l 22 czic khoan no tii 2l 22 23 21 II I 2 3 4 5 6 '7 8 9 l-5 26 ).7 Ivlucsam bdt c16ng san dAu tu 1,r; 28 'Ii€n thu tir bdn, rhanh lri bdt d6ng stin dAu tu, Ti€n chi ra clo biin, thanh ly bAt d6ng stin dAu trL 1,r; Ti0n chi ddu trL, grip vdn viro cdc ckrn vi khdc 29 .10 3t Ti0n thu dAu tu, gcip v6n vio cric dtxr vi khdc -Jl TiOn thu c6 tilc vi lr.ri nhudn clLroc chia til ciic khotin di diir han I (rrroc cnla tu cac Khorin clau tu, grip vdn ,_, Lu'u chuy6n ti0n thuin tir, lroat dQng dAu f u, ,t.l IiAFJ ftit/dil0 f,{A Chi ti6u NIA chi ti6u Thuy6t minh Lfry k6 tt tliu nf,m o6n cu6i quf III NIm 2{lll NEm 2010 UI LtiU CHUYIIN'TIIIN TT'I IIOAT DONG TAI CHINII I Ting vdn cliOu l0 .t.: , Ti0n thu.tir phiit hhnh giAy tb cri giti dii h4n c6 clu cli6u kiQn tinh vio _,,., - von lU cd vn clc khoan vorr vay dii hrn khic , Ti€n chi thanh torin giAy rri c6 giri dii han c6 clu cJi0Lr ki0n tinh vio ,,' v6n tu c6 v) cdc khoiin v6n vay dii han khiic 4 Cd tirc tlii cho cd d6ng, loi nhudn cla chia (*) 3lt 5 Tidn chi ra mua cd phi€u ngin qu!'(*) 39 6 Ti0n thu duo-c do bdn c6 phi6u ngdn qu! 40 Luu chuy6n tidn thuAn til hoirt ttQng tii chinh .lt IV Lu'u chuy6n ti0n thuAn trong kj' 42 V Ti0n vi c6c khoiin turmg du.ong ti0n t4i thdi di6m diu k-i 43 VI Di0u chinh rinh huiing cria tlral'doi t1,giir .l.l VII Tidn vi cilc khoiin tu'ong du,ong tidn tiri thir'i di0rn cu6i ki ,15 1 ,3 1 8.276,400,000 0 - I 7t),38-i,61111,,,,.,,, -220,193,050,420 0 tJ 918,697 ,7 49,59(l 7,647,253,993,714 9,501,678,182,il55 (, 17 ,l{tl ,932 ,07 (t ,169 0 -89,776,716,300 -303,054,()00 (l -90,079,770,300 266,67 5,,325,992 6,421,416,399 ,8411 U 6,688,121,725,9 32 \l (, LAp bi0u /l^2 // N9ro,6n 7'lt l. ^tt ,z::-r:::Hq1t,ii. rirrrr. ll tlt,irtt lil ttitnt l0 l/ ri-,,trr,[r./tr,-\r K0 to6n tru'<ireg$/r,z ^,1\] 1t':1.t-qy,;".q T6ng Gidnr tl6c p\\ krm-:,r.: (a\ \$ i,ito 'lut NNF}{B Ngfrn hing TMCP Shi Gdn - Hn NQi THUYET MINH BAO CAO TAI CTTIXH NTNXC Tg Quf III.2011 1. Th6ng tin vd ngin hing Gidy ph6p hoat trQng Slliil:|ffi*fJ"'*,rj,ru'ujlffi\'fJ;udc ViQt Nam cap Tho:i hanhoat dQnf cta li'gdn hang ld 40 kc til ngdy c6p giAy phdp dAu ti€n. HQi tldng Quin tri Chn tich 86 nhiQm ngdy 16 th6ng 6 n6m 2008 Uy vi6n Bd nhiQm ngdy 16 thdng 6 ndm 2008 Uy vi6n Bd nhiQm ngdy 16 th6ng 6 ndm 2008 Uy viOn BO nhiQm ngdy 16 th6ng 6 ndm 2008 Uy viOn Bd nhiqm ngdy 16 th6ng 6 ndm 2008 Uy vi€n Bd nhiQm ngdy 16 thdng6 nim 2008 Thdnh vi€n dQc lQp 86 nhiQm ngdy 10 th6ng 8 ndm 2010 Ong D6 Quang Hir5n Ong Nguy6n Vdn L€ 6ng Nguy6n Van Hdi Ong TrAn Nggc Linh Ong Phan HuY Chf 6ng TrAn Thoai Ong L6 Ki€n Thdnh Ban ki6m soft Bd Ddm Ngoc Bich Truong ban Ong NguySn Hiru Dric Ph6 Truong ban Bd Nguy6n ThiH6ng UY€n Thdnh vi€n Ong Luong Dri'c Chinh Thdnh viOn 6ng BiriThanh TAm t'hdnh vi€n Ong Phqm Hda Binh Thdnh vi0n Ban Tdng Giim tt6c Ong Nguy$n Vin Ld T6ng Gi6m d5c TAi bO nhi6m ngdy 08 th6ng 5 ndm7007 O"l pa"g Trung Dfing Ph6 T6ng Gi6m d6c 86 nhiQm ngdy 01 th6ng 9 ndm 2006 $ng Bni Tin Nghf Ph6 T6ng Gi6m d5c 86 nhi6m ngdy 05 thrlng 6 ndm 2007 Ong L6 Dang Khoa Ph6 T6ng Gi6m dOc BO nhiQm ngdy 10 th6ng 4 ndm 2009 pham V6n Thdng Ph6 T6ng Gi6m d6c Bd nhiQm ngdy 0l th6ng I I nim 2010 Ng6 Thu Hd Ph6 Tdng Girlm d6c 86 nhiQm ngdy 15 th6ng 3 n6m 2011 rr: t- Tr-: r ^- DL ^*^ v A tn6n rrrrlmo 86 nhi6m nsiLy 27 thdngT ndm 2008 1\lIllr Llll Ld.ll I rruvrrS Tru s0 chinh 36 77 -TrAn Hung D4o - Q.Hodn Ki6m - TP'Ha NQi - ViQt Nam Bd nhiQm ngdy 16 th6ng 6 n[m 2008 BO nhiQm ngiry 20 th6ng 5 ndm 2009 86 nhiQm ngdy 16 th6ng 6 ndm 2008 B0 nhiQm ngdy 16 th6ng 6 ndm 2008 86 nhiQm ngdy l6 thang 6 nim 2008 Bd nhiQm ngiry 20 th6ng 5 ndm 2009 N,NFHB NgAn hing TMCP Siri Gdn - He NQi Ngdn hdng Thuong mai C6 phAn Sdi Gdn - Hd Noi (du6i d6y gqi tit lA "Ngan hdng") ld mot ng6n hdng thuo'ng mai c6 phAn ViQt Nam thdnh l$p tpi nu6c CQng hda Xd hqi Chn nghia ViQt Nam v6i thoi gian ho?t dQng ld 40 nam theo 0041-NlvGP ngdy 13 th6ng 11 nim 1993 c]fLa Ng6n hdng Nhd nu6'c Viot Nam. v6n di6u l€ cria Ngdn hdng tpi ngdy 301912011 ld 4,815,795,470,000 d6ng (B6n nghin t6m trf,m mud'i lim ty bay trdm chin l6m triQu bon trdm bAy muoinghin cl6ng)' Hoi so chinh cria NgAn hdng dat t?i s6 77 -TrAn Hmg Dpo - Q.Hodn Ki6m - Ha Noi - ViQt Nam' Tpi ngdy 301912011, NgAn hdng c6 2486 nhdn vi6n (DAu n6m 2011: 1889 nhdn vi€n) ' 3. T6m tft cfc chinh sdch k6 tofn chfr y6u Chuin mqc vi cn6 aq t6 tofn riP dgng Ngdn hdng trinh bdy c6cb6oc6o tdi chinh bSng d6ng Vigt Nam (VND) theo Luat c6c T6 chri'c Tin dung, LuQt sri'a d6i vi b0 sung m6t s5 di6u trong Lu6t c6c T6 chric Tin dung' c6c chuan mqc k6 to6n Vi€t Nam vd HQ th6ng K6 to6n c6c t6 chfc tin dgng viet Nam. K] b6o c6o vi tlcrn vi ti6n tQ Kj,b6o c6o cua Ngdn hdng uat eau tir ngdy 0110112011 vd ktit thric vio ngiry 3010912011' Don vf tiAn tQ su dgng trong ghi chdp k€ to6n ld ddng ViQt Nam (VND)' 4. Nguy6n tic ghi nhin c:ic nghiQp vg blng ngo4i tQ vi quy tl6i Theo hd th6ng k6 toAn cira NgAn hdng, t6t ch citc nghiQp vg ph6t sinh cria NgAn hdng duo-c hach to6n theo nguy6n te. Tai thd'i di€m cu6i nAm, tdi sdn vd c6ng ng c6 nguiin g5c ngoai t0 dugc quy d6i sang \ND theo tj,gi6 quy clinh vdo ngdy lflp b6ng c6n OOi tri to6n. C6c kho6n thu nhap vd chi phi bing ngo4i tq c1a Ngdn hdng dugc hqch to6n bing VND theo ty ei6 vdo ngdy ph6t sinh th6ngquagiaodlchmuab6nngo4it€.Ch0nhlechrjgiSdod6nhgi6|qic|ctdikho6nkinhdoanh ngoai td clugc hpch to6n vdo b6o cao KCt qui Hoat dQng Kinh doanh vd lgi nhu4n eC tai' Ch€nh lQch tj, gih phdtsinh do quy d6i c6c tdi sdn vd c6ng no kh6c bing ngo4i tQ sang \D{D duo-c xu l;i' vdo doanh s6 cria ciic kho6n muc tuorlg ring trdn bdng'cdn Ooi tctl to6n vdo ngdy lQp b6o c6o tdi chfnh. 5. Chring khofn tliu tu giir tl6n ngiy d6o h4n Chrlng kho6n ng gifi' d6n ngdy d6o h.n ld c6c chring khoiin c6 ki'hpn cO Ointr vd c6c khoin thanh to6n c6 e6n hoic c6 th€ x6c dfnh dugc vd Ban T6ng Gi6m d6c c6 y dlnh vd c6 kha ning gifr d6n ngdy d6o hpn. Ngin hdng dang ghi nhdn c6c chrlng kho6n ndy theo gi6 gdc cQng iii 6u iliu ti:'i' lai cho phdn b6. Gi6 tri phg trQi hoac chitit khau (ntiu c6) cfing duoc phin 6nh vdo gi6 tri ghi s0 cira Au tu. Ldi dugc dg thu hopc phdn b6 theo phuong ph6p duong thing' Chring kho6n iluoc khgnn d69fu: LAr.duoc d! . ) , glu oC" trtioao rran ,e clugc xem x6t v€ khz nang gjam gi6' chung kho6n dugel4p dg phong g+a{n , t f,. 6ru uwrr gi6 khi gi6 trl thi trudng nho hon gi6 tri ghi s6. Dy phdng giim gi6 duoc ghi nh$n vdo b6o c6o k6t z qu6 hoat dQng kinh doanh' N'S SHB Ngdn hing TMCP Sii Gdn - Hn NQi 6. Chrlng khoin tliu tu sin sing eC Uen Chung khoiin clAu tu sfin sdng Oe Uan ld crlc chung khorin itugc gifi'trong thd'i gian kh6ng iirn dinh trudc, c6 th6 dugc b6n ee eap fng nhu cAu thanh khodn hopc d6 ring ph6 v6'i trudng hop thay d6i lai su6t, ti gi6, ho6c gi6 tri chfng kho6n. Ngdn hdng dang ghi nhQn c6c chring kho6n ndy theo gi6 g6c c6ng ldi dg thu trir ldi chd phdn uo. cia tri phu trdi ho{c chii5t khAu (ni5u c6) cfing duo. c ph6n 6nh vdo gi6 trl ghi s6 cria kho6n dAu tu. Ldi clugc dg thu ho{c phdn b6 theo phucrng ph6p cluong th6ng. C6c chring kho6n ndy duoc cl6nh gi6 dinh k! theo gi6 tri thltruong vd dg phdng gi6m gi6 tri s€ dugc lap khi gi6 tri thi truong nho hon giri tri ghi s6. Dq phong gidm gi6 duoc ghi nhdn vdo brio c6o ki5t quA hopt cl6ng kinh doanh. 7. Chring khofn kinh doanh Chftng kho6n kinh doanh ld chri'ng khodn ban dAu dugc mua vd n6m giir cho muc dfch kinh doanh trong ngfn han hodc n6u Ban T6ng Gi6m ddc quy6t dlnh nhu v4y' NgAn hdng dang ghi nh4n cdc chil'ng kho6n ndy theo gi5 gdc vdo ngdy giao dich. Trong c6c k] ti6p theo, c6c chimg khorin tiilp tgc dugc ghi nhdn theo gi6 gdc. Tuy nhi6n, gi6 tri thi truong cria c6c chring kho6n vfin dugc NgAn hdng theod6i dC d6nh gi5 ve khd ning gi6m gi6 khi gi6 tr! thi trudng thfp hon gi6 g6c' Ngo4i trri ,.oorrg hqp kh6ng th€ x6c dinh gi6 tri thi trudng mdt c6ch chic ch6n thi giri tri cria chring dugc tinh dga tr6n nguy€n gi6 sau khi trir di t6n th6t u6c tinh (niiu c6). Lii holc 16 tir kinh doanh chung kho6n dugc ghi nhan tr€n b6o c5o kt5t qud ho4t dQng kinh doanh theo s6 thuAn' 8. Crlc khoin cho vaY Ciic khodn cho vay ngin han c6 ky han dudi 1 nim; c5c khodn cho vay vd cho thu€ tdi chinh trung han c6 kj,h?n tir' 1 n6m d6n 5 ndm vi c6c khoin cho vay vd cho thu€ tdi chinh dii han c6 ky hAn tr6n 5 ndm k€ tn'ngdY giAi ngdn. Vioc phdn loai no- vd l?p dg phdng riri ro tfn dpng dugc thgc hi6n theo Quytit dinh s6 4g3tZ115teD-NHNN ngiry 22 thdng 4 n[m 2005 vd Quytit dfnh sO 18120071QE-NHNN ngiry 25 th6ng 4 ndm 2007 cria Th6ng d6c Ng6n hdng Nhd nu6c ViQt Nam. c6c kho6n cho vay dugc ph6n thdnh ndm nh6m no can cit vdo tinh hinh tr6 ng vd c6c ytiu t6 alinh tinh nhu sau: Nhdm l; I'{q du ti€u chuan o Circkhoin no trong han md Ngdn hdng d6nh gi6 ld c6 dri khi ning thu h6i dAy dri cd g6c vd lli dring thdi han; o C6ckho6n ng qu6 h4n du6'i 10 ngdy vi Ngdn hdng cl6nh gia ia co khir nang thu h6i dAy dtr g6c vd lai bi qu6 han vd thu hdi dAy dri g5c vd 16i dfng thli hpn con lai; , . Nhdm 2: Nq can chil Y o CirckhoAn no qu6 han tu l0 ngdy diin 90 ngdy; . Circkhoin no. diOu chinh kj'hpn tr6 ng lAn dAu; wN F."trB Ngdn hdng TMCP Sii Gdn - Hn NQi o Cdc khoAn no. co c6u lai thdi han trA no trong han theo thoi han duo. c ccr c6u lai. Nhdm 3; Nq tlrdi ti|u chudn o Cdc khodn no qud han tu' 9 I d6n I 80 ngdy; o Cdc khodn ng co c6u lai thoi hpn trA no lAn dAu, trt cAc khodn ng di6u chinh kj,. han tr6 no. l6n cl6u phdn lo4i vdo nhom2; o C6c khoin ncv duoc mi6n ho4c gidm l5i do khrich hdng kh6ng dri kha ndng trA lai dAy dri theo hqp dong tfn dung; Nhdm 4: Nq nghi ngd o Cdc khoAn no qu6 hpn tir 181 d6n 360 ngdy; o C6c khoin ng co cdu lai thdi han tr6 no lAn dAu qurl h4n du6'i 90 ngdy theo thd'i han tr6 no- duoc co'cAu lai lAn dAu; o Ciic kliodn no co cdu lai thd'i han tr6 no- lAn thri hai; Nhrim 5: Nq c'ri kha nang,nat u,jn o Chc khoin no quii han tr6n 360 ngdy; o Citc khodn ng co c6u lai thd'i h4n trd no lAn dAu qu6 hpn tir 90 ngdy tro l6n theo thoi han trA ng dugc co'c6u lai lAn dAu; o Cdc kho6n no co' c6u lai thoi h4n tri no dn thri hai qu6 h4n theo thdi han trd no dugc co c6u lai lAn thf hai; . Cdc khoin ng co c6u lai thd'i han tri ng lAn thri ba tro l0n, k6 cA chua bi quri han hodc dd qu6 h4n: o Cdc khoAn no khoanh, no chd'xft ly; Theo Quy6t dinh sO +SZ|ZOO5IQD-NHNN ngity 22 th6ng 4 n[m 2005 vd Quy6t dinh sd 18120071QE-NHNN ngdy 25 thdng 4 ndm 2007, COi vOi ciic khoin no qu6 han, t6 chirc tin dung phdn loai l4i vdo nh6rn no c6 nii ro thAp hon khi Ngdn hdng drinh giri ld c6 dt kha ning thu nOi AAy "i du cd g6c vd ldi; vd kh6ch hdng c6 tdi li6u, hO so chimg minh c6c nguyOn nhAn ldm khoin no ndy qu6 hpn dugc xu ly, khic phuc. Ngdn hdng chu dQng tg quytit Olntr phdn loqi c6c khoAn ng vdo c6c nh6m ng rti ro cao hon tuong ring v6'i mfc dQ rrii ro khi xhy ra mQt trong giic trudng hgp sau ddy: . Khi co nhirng di6n bitin b6t lo.'i tir tiic ddng ti6u cgc ctt5n m6i trudng kinh doanh vd lTnh vqc kinh doanhi o Ckcchi ti0u tai chinh cria khdch hdng ho4c khi ndng trd no- cfia khach hdng bi suy gi6rn; . Kh6ch hdng khOng cung c6p cho Ngdn hdng c6c th6ng tin tdi chinh kip thoi, dAy dri vd chfnh xdc d6 Ngdn hdng drinh gi6 khd ndng tr6 no cta kh6ch hdng. Dq phdng rti ro tin dgng: ViQc tfnh dq phdng cU th6 duoc cdn cri tr6n c6c ty lQ 6p dpng cho timg nh6m ng nhu sau: /. N.NFHB Ngffn hdng TMCP Sii Gdn - Hn NQi Nh6m Lo4i Tf Ig dr; phdng c$ th6 . t:: ,1 ,: ::, ., 1 No dri ti€u chu6n 0% 2 No cAn chri y 5% 3 Ng du6'i ti6u chuAn 20% 4 Nonghi ngo 50% 5 No- c6 kha nang m6t vdn 100% 9. Tdri sin c6 einl Tdi sdn cO Ointr clugc th6 hi6n theo nguy6n gi6 trir di kh6u hao lfiy kt5. Nguy€n gi6 bao g6m todn b6 c6c chi phf md Ngdn hdng ph6i bo ra cl6 c6 dugc tdi sdn c6 dinh tinh d6n thd'i di€m clua tdi sin d6 vdo trang th6i sin sdng sri'dung. Tdi sdn cd clinh du-o. c tinh kh6u hao theo phuong ph6p ,' .] duong thdng dd tril ddn nguy€n girl tdi sin trong sudt thoi gian hfiu dung udc tinh nhu sau: - Nhd cri'a, vdt ki6n truc 10 - 25 ndm - M6y m6c. thi6t bi 03 - 05 ndm - Phuong ti€n vdn tdi 06 - 10 nim - DUng cg qudn l;f vd phdn mdm tin hoc 03 - 08 ndm QuyAn su dung ddLt dugc khAu hao theo phuong ph6p cluong th6ng phu hgp voi GiAy chfng i " , -4. ^ x ' nh4n quy€n sf dpng ddt. Quy€n sir dpng dat vd thdi han dugc ghi nhdn theo gi6 gdc vd kh6ng tfnh khdu hao. 10. Ti6n vi c{c khoin tucrng tluong ti6n TiAn vd ciic khoAn tuong ducrng ti€n bao g6m ti€n m{t, vdng, dri quy, tiAn gu'i thanh to6n tai NHNN, tfn phi6u Chinh phri vd cdc gidy td c6 gi6 ngin hgn drl di6u kiQn chi6t kh6u v6'i NHNN, ciic , t khoAn ti€n gt'i thanh to6n vd ti€n grii, cho vay t1i ciic td chric tin dgng khric c6 thoi han d6o han kh6ng qua 3 thdng k6 tu ngay gu'i. 11. Cfc cOng cu tii chinh phii sinh C6c c6ng cp tdi chfnh ph6i sinh du-o. c ghi nhQn tr6n bing cdn AOi f6 to6n theo gi6 tri hop ddng vdo ngdy giao dich, vd sau d6 du-o. c d6nh giri lai theo gi| tri hqp ly. Loi nhudn hoic 16 kh i ciic c6ng cu tdi chinh phiii sinh duo-c thuc hiQn du-o. c ghi nh4n trong biio crio ktit quir hoat dQng kinh doanh. . .IOinhupn hopc 16 chua thgc hiQn -rlu'gc .Sfryrnfln vdo khodn mqc ch€nh lggh _danh ql6 lpf cric cdng c,itai Ctrinrr phai ilnh trcn ba;g ;a" a'oi [6 torin vd dugc k6t Ctt"ycn "ao fct qu- tloat o6ng riinh doanh vdo thd'i di6m cuSi nam. [...]... 151, 434 , 736 6 63, 508,869 t 5l,, /31 , 736 - Tdng khdc ^A gram rrong Ky so - Thanh l!, nhuqng bdn - Gidm khdc i,, ^4 ou'cuor Ky so Gi6 tri cdn l4i T4i ngAy ttAu r ?r k) r., ngay cuor Ky 433 ,124 433 ,1 24 4 73. 434 . 736 ' 3, 291,957,UUg 2 ,35 5,000,000 1,7 14,800 ,32 1 433 ,124 43 3,1 5,UUU,6U4r69b 21 61766,U76,441 705,0 63, 289,42t 3; 857;058;194' 18,667,000,000 727,587 ,34 7,615 1 ,37 9,9 03, 7 53, 695 2,696 ,35 3,011 16,999 ,31 5 ,30 4... Chi vi titi sdn 117,245 ,35 3,454 65,4 43, 549,990 7 ,30 9,690,966 4,467,564,769 3, 316,667 5,2 93, 965,954 34 , 634 ,r37,714 3, 541,067,058 2I ,33 3,216,091 Trong d6: "/,606,948,569 6,144,726,658 121, 033 , 736 ,466 63, 817,891,992 3, 777,218,826 3, 855,746,767 I ,33 4,000 35 2,696,297 Chi nQp phi bfto hi6m, brio clfim tiAn gfri ciia khdclr ltdng 5, 534 ,6 73, 020 3, 457,996,9 93 Chi phi dqc phitng (kh6ng tinh chi phf dar phdng... 5,972,692,782,04 5 ,39 7 ,124 ,37 0,824 5,847,526 ,30 6,889 590,089,671,?16 r37,r66,475,7 53 Tiin, vdng giri cd ki hgn 13, 182,244,5 83, 333 5,6 63, 969,027,778 - Bing VND 1r,996,r34,5 83, 333 5,569 ,30 9,027 ,178 10,000,000 94,660,000,000 19,170,058,625 ,37 3 11, 636 ,661,809,819 - Bing VND - - Bing ngoai t6; vdng Bing ngoai t6, virng 1,1 86,1 NB.NSHB Sii Gdn - Hd NgAn hdng TMCP NQi 18 Chfng khodn kinh doanh 30 t09t2011 0t/0U2011 \,rND... khtic 34 ,795,440,187 7 ,686, 036 ,699 ,32 2 t65 ,465,017 ,445 28,251,846, 631 ,476 0u0ll201l o 72.21 VND 13, 720,512,092,554 4.72 2.77 8 .33 20. 53 7.48 24.97 0.02 2.07 1.20 0,12 27.21 0.59 "h 56.46 468,829,488 ,39 1 1. 93 33, 129,458,051 0.14 800,504,985,460 3. 29 4,572,949,481,058 18.82 1,6 03, 339 ,586,977 6.60 5, 531 ,298,442,466 22.76 600,000,000 0.00 235 ,047, 938 ,8 23 0.97 418,702 ,34 6,512 1.72 56,110 ,36 4,876 0. 23 10,568,191,827, 030 ... 28,251,846, 631 ,476 2 4, ,30 1,,1 53, ,9 93, 562 10 NNS"HB Ngin hhng TMCP Shi Gdn - Hn NOi 20.1 Phdn tich chdt luqng nq cho vay 0r/0r/20rr 30 /09/20r1 \TND 'TND 26,951,911,7 56,652 862,149,297,5 23 23, 3 63, 669 ,33 4,977 596,554,769, 933 98,9 53, 234 ,994 105,992,2 73, 052 232 ,840,129,255 Nq dtr ti€u chuAn Ng cAn chri y 36 ,159,292,942 t 1\O OUOI ileU Cnuan No nghi ngo t A , r\o co Kna nang mal von 39 ,37 6, 036 ,39 0 265 .39 s.s59.s20... 265 .39 s.s59.s20 24 ,30 1,1 53, 9 93, 562 28,251,846, 631 ,476 20.2.Phdn tich du nq theo thoi gian 30 /09 /2011 \TND Ng ngdn hpn 17 0t/0U2011 \TND ,667 ,749,695,157 15,595,701,0 13, 188 Ncr trung h4n 6,482,081,852,8 53 5 ,39 0,058,295 ,34 0 Nq ddi h4n 4,102,055,0 83, 466 3, 3I5 ,39 4,685, 034 24 ,30 1,1 53, 9 93, 562 29,251,846, 631 ,476 20 .3 Phfln tich du nq cho vay theo C6i tuqTg khdch hing vi lo4i hinh doanh nghiQp 30 t09t2011 \"T.{D... 15,7 Chfng tir c6 gi6 Tdi stin kh6c t3 ,35 6,520,1 83 19,207,882,068,970 7,496 ,38 5,415,4tl 2 ,30 9,151,156,8 63 10,968,150,709,976 9, 832 ,944,454,927 55,005,090, 133 ,2 83 42,9 73, 717,711,884 0ll0u20tl 30 t09t20rr 26,01 4, 43 r,',t 4 6,26 1.00 19,207,882,069,970 t5,7 13, 356,520, 1 83. 00 7,496 ,38 5,415,411 2 ,30 9,151,156,8 63. 00 6, 436 ,505,772,576 10,968, I 50,709,97 6.00 9, 832 ,944,454,927 6, 436 ,505,772,576 42 Nghia... 3, 796,000,076,862 15.62 Vfn tdi kho bdi 2,060,2 63, 731 ,78r 7.29 |,550,416,920,6 93 6 .3 8 1,517 ,940 ,35 5,720 ).5 I 76,054,146,902 0 .3 r 34 ,506,015.427 0.12 7 03. 5 83, 124,946 2.90 439 ,600, 837 ,225 1.56 5 93, 7 53, 012,022 2.44 r,5r4 ,38 r,929,498 5 .3 6 261,205,715,790 1.07 20,427,t98,570 0.07 13, 756,8 73, 317 0.06 29.496,796,8 43 0.10 5,625,458,6 73 0.02 15,426,117,160 0.05 45,516,917,4 53 Dich vu luu tni vd 6n u6ng... I,414,428 ,36 1,256 lSi ti6n gui " r- ; Tlen lra lal vay Quy III.2010 524,270 ,37 9 ,32 0 \TND 34 ,4 13, 954,217 Tri l6i ph6t hdnh gi6y to c6 giri 23, 40l,glg,gg7 70, 239 , 635 ,482 90,822,9 23, 757 137 ,37 5,901 127 ,31 7,227 1,519,219 ,32 6,756 - 638 ,622 ,33 9,291 T16l6i ti6n thu€ tdi chinh Chi phi hoat d6ng tfn dung khiic 34 .Lailt6 ttruAn tir ho4t ttQng dich vg Quf Itr .2011 \TND Thu phi dlch vqt 24, 035 ,599 ,34 0 - Ho4t... DT SAN: 53, 8M2 DT DAT CHUNG :39 5M2 (NHA O.QUYEN) 1 53, 201 , 930 ,000 QSD DAT LO A21 NGUYEN VAN LINH,NAM DUONG,HAI CHAU,DN SO DO BE 579491 67 ,33 5,000,000 38 , I 04,105,500 61,769, 634 ,500 43, 846, 530 ,500 43, 8 43, 170,500 43. 837 ,170,500 hl 1 /1 \1\ tltXl 56,578,267,000 I 00,900, 535 ,500 r 53, 20r, 930 ,000 63, 2 53, 416,640 QSD DAT SO 35 LY THUONG KIET HOAN KIEM HA NOI SO DO 88916410 101,872,527 ,000 OSD DAT SO 35 LY THUONG . nhfrn 20,400 ,34 4,914,709 1 ,33 3 ,39 0,872,754 78t,718,7i3,516 2 ,35 2, 235 ,978 ,33 6 5,801 ,36 6, 535 ,36 8 2,1 13, 825,078 ,36 4 7,055,571 ,37 5,270 5,764,152,000 s 83. 822.907.058 33 7,8 53, 902,457 34 ,795,440,187 7 ,686, 036 ,699 ,32 2 72.21. 56,652 862,149,297,5 23 98,9 53, 234 ,994 105,992,2 73, 052 232 ,840,129,255 30 /09/20r1 TND 0r/0r/20rr 'TND 23, 3 63, 669 ,33 4,977 596,554,769, 933 36 ,159,292,942 39 ,37 6, 036 ,39 0 265 .39 s.s59.s20 28,251,846, 631 ,476 24 ,30 1,1 53, 9 93, 562 30 /09 /2011 TND 0t/0U2011 TND 17. L/C 3 Btio linh khric 3I0 32 (l 32 1 )11 130 34 0 35 0 36 0 37 0 37 1 31 2 37 3 31 9 4(Xl 5(X) .1 10 1u 112 11.1 ltl 115 1t6 .120 .r30 440 ,150 700 8(X) 9I0 9ll 9t2 9 13 29 l9 30 3l 27 1, 930 ,884 ,37 9,690 21,176 ,31 9,716,6 03 28