ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 2 năm 2013 td bảng cân đối kế toán

S-q SHB \c.i\ |l,\NC THtloi-c ]l^r cO prrAN sAr cO\ - rri NOr ?7 Trin llurg Dao - Quan lloh Ki6rn - Hat Noi ' 'Iel: 01 i9121188 lrax 0,1.39.1109,12 '-, TD - BANG CAN DoI KE TOAN Bio c6o tii chinh ri0ng li Quj Il nim 20ll \IAu s6: Q-0la Thulit 56 diu nnm ;:'j '. __ l' - \_, -\,\\ nt tle\?)\ ; I frr-;tl ll " llt, i;ltl /,.: l/ ,'-;' " 1. 7 ,27 1,07 6,309 56,595,193,228.67.1 58132.985.631.257 ( 1.817.492.,101.581) I I,ll5,3{0,721,518 6.190.100.101,142 .1.764 125.257.892 (9.18,r.619,816) 5l{,96.t,{13,7,11 167 710.070,000 i95,81t.525.175 (48.587.181.632) 1,0? 1,951,899,080 i46.626.t86.i05 612.523.600,900 (265,897,211,595) Chi tiiu ,\. TAI S,i\ I Tiin nrnt, ring hac, rln qrr! II l iir gni t+i NH\) llI l ier. viDg gdi t?i cric IC'I D khric vii cho vav cdc TCTD khic I lie . \.xrg gLii lai cac |CTD khic 2 Uho vay cec l CTD khric I I)u phong rii ro cho va!, cAc TCI D kiac lY Chflg khoin kinh doanh I ChLhrg khoin kinh doanh 2 DLr phnng gi.un gie chunp klroin kinh donnh v Cic ciing cu tii chilh p]6i si'lh \i c:ic tii sdn tii chinh khic vl Choray khrrh hinC - . - I Cho va\ kh:ich hang 2 Du phorg rui ro cho !a! klrich hiDg \ Il Chn'rg khon'r dau tu I Ching khoriD diu tu san sdng de biin 2 Chinrg kholin diu tu git ddn ngdl dio nan I DLr thong giam gia chimg khoh deu tu vlll G6p \'6D, diu tu dii han I Dau lu \ao c6ng ty con I Vrln g6p lien doanh I Diu lu \io c6ng t)' liCn k6t 4 Diu nr dar han khec 5 Du phong giam gii dau llr dai han lX Tii si (6 dinh I ldi san cii dnrh hiru hinh a I'gu\;n Eki 1S('.D htfl hinh b Hua man TSCD hiru hith 2 Tii sfi c6 dinh thue di chinh NgLt.rin gid I SCD Hao ntnn TSCD 'lai sm ci; dinh vd hinh .\'gura gfi TS(:D r'6 hinh lhlo ulon TSCD fi hinll Bit dODS sio diu 1u Nguy€n gii BDSDT Hao mon iDSo t' Tii siin C6 khrc Ctic khLr0 phrii thu Cric khoaD lei, phi phai thu Tii san rhu€ I NDN hoar lai Tri".ur C,' khJ. -Trcngd6: Ldt th; huongnul 5 Ciic khotin du phong rlr ro cho cic tai se|l C]o noi bdng klrdc TONC TAI SAN C6 ll0 l5 120 16 130 t7 ll I 132 139 l,l0 l.l I 149 150 l8 160 16l 19 169 20 170 2l t7l t72 119 210 22 2t1 2t2 2t3 2t1 219 221 23 222 223 225 226 227 21 22E 229 210 211 2,1I 251 252 255 259 300 621.505,161.226 185,90{,502.176 l9.0tt].625,t 15,502 I3.758.02,1.063.551 5.291.94,1.201.951 (l t,313.t50,000) J81,875.616,566 J.03 | ,869,178,896 29,62{,{98.t 20,611 20.75i1,858.280.61I 13.890.0.{1.000.000 (21.10'1.160.000) 5.8.16,612,060 55.620,6 {0,I 9.t,023 56.U71,071.021.881 ( 1.2s0.130,830.861) t2,5.t9.275,910.3t9 8 2611,595.920.125 1.290.5,{3.801.510 (9.863,781.1l6) 527,79J,76{,506 167,7 t0.070.000 120.125 959.557 (60.2.11,265,05 l) 1,117,3{t7,267,{20 392.715 l8'1.728 679,l'12.188.7i7 (286.196,80.1.0091 a b 3 b ,a b xl I 2 I | ,{1s,210,.r87,512 2.263.256.217 .t27 ,{ 758.290.914,783 4.423 693.325,632 10J,92{i,296,606,070 1.724.6,11.882.692 1,807.152.311.578 (82.510 161,884,) 9,982.ri66,{52,60r 1,513.2 t 1.519.860 4,161.258.516.259 4.017.568 115,877 (9.171.959,3951 I I 5,9{5,05,t,,t 77,052 3 ,',725 .325 .512,',7 7 5 1.825 179.951.535 ( 100.I51.410,760) Chi tieu B Nq PHAI TRA VA VON CHU SO HU'U I Cac khan ny Chinh pita va NHNN II Tien gai va vay cua cac TCTD khac 1 Tien giri cua cac TCTD khac 2 Vay cac TCTD khac III Tien girl cua khach hang IV Cac cling cm tai chinh phai sinh va cac khoan ny tai chinh khac ✓ VOn tai try, uy thfic dau Ur, cho vay ma TCTD phai chlu rid ro VI Phat hanh giay to' c6 gia VII Cac khoan Ny khac 1 Cac khoan lai, phi phai tra 2 Thu6 TNDN han lai phai tra 3 Cac khoan phai tra va cong nq khac 4 Dg ph6ng rut ro khac 'Ding Ny phai tra VIII V6n va cac guy 1 V6n cua TCTD a Van cledu b Van clau n XDCB c Thing du van ce , phan d Co phi"Ju qup e Co phiju teu dal g Van khcic 2 Qty . cua TCTD 3 Chenh Lech ty gia h6i doai 4 Chenh tech danh gia lai tai san 5 Lqi nhuan chua phan ph6i VIII Lyi ich caa c6 d8ng thieu c , )* 0' `VG TONG NQ PHAI TRA VON CHU SO HITU CAC CHI TIEU NGOAI BANG Nghira vm ny tiem an S s M  Bao larih vay v6n Cam k6t trong nghiep va L/C Bao lanh khac pi, Ngity  thong nom 2013 •  TOng Giant DOc NGAN HANG ; SA1 GoN - HA o( I CO PHA . 7 4, 1 Ke Toan TrtrOlig i v THUO Vtro'ng Thanh Huy'dn  Ninh T • an Phirang e/Y l 1/6t Yet L'ap bleu Ma chi Thuyet tieu  minh SO cuOi ky SO du nam 310 26 320 12,709,949,560,012 21,777,251,159,172 321 27 9,441,996,393,412 15,505,603,159,172 322 3,267,953,166,600 6,271,648,000,000 330 28 76,932,166,512,931 77,679,865,564,949 340 18 350 29 442,337,254,299 385,245,424,157 360 2,618,297,458,982 4,370,388,535,054 370 1,452,238,560,887 2,284,441,414,078 371 1,112,526,078,465 1,944,545,894,786 372 645,209,784 373 30 290,639,083,132 298,437,357,540 379 30 49,073,399,290 40,812,951,968 400 94,154,989,347,111 106,497,192,097,410 500 31 9,773,307,258,959 9,447,862,379,642 410 8,962,251,608,400 8,962,251,608,400 411 8,865,795,470,000 8,865,795,470,000 412 413 101,715,710,000 101,715,710,000 414 (5,259,571,600) (5,259,571,600) 415 416 420 477,413,339,867 477,413,289,655 430 (55,286,199,033) 440 450 388,928,509,725 8,197,481,587 700 31 800 103,928,296,606,070 115,945,054,477,052 910 40 6,941,885,063,471 5,287,168,458,408 911 332,554,000,000 35,554,000,000 912 1,140,864,441,100 336,437,333,181 913 5,468,466,622,371 4,915,177,125,227 Chi tieu MA chi ti'eu Thuyet minh Lap bieu Viro'ng Thanh Huybi Ninh Thi an Plzuvng Ke toan 1 Thu nhap tir lai va cac khoan thu nhap tucmg to 01 32 2,398,011,276,351 2 Chi phi lai va cac chi phi tuong to lai 02 33 1,740,378,042,898 I Thu nhAp lai thuAn 03 657,633,233,453 3 Thu nhap tie hoat dOng dich vu 04 45,586,868,041 4 Chi phi hoat (Ring dich vu 05 13,323,375,811 II Lai/18 thuAn tir hog dAng dich vy 06 34 32,263,492,230 III Lai/I6 thuAn tie hog dAng kinh doanh ngoyi h6i 07 35 33,971,304,722 IV Lai/18 thuan tie mua ban chieng khoan kinh doanh 08 (1,141,680,000) V Lai/I8 thuan tie mua ban chu'ng khoan dAu tir 09 (10,388,770,805) 5 Thu nhap tir hoat dOng khac 10 5,823,861,634 6 Chi phi hoat d'Ong khac 11 4,439,888,951 VI Lai/18 thuAn tir hog dAng khac 12 1,383,972,683 VII Thu nhAp tie g6p von, mua c6 phAn 13 36 902,519,450 VIII Chi phi hog dAng 14 37 395,053,285,008 IX Lqi nhuAn thuAn tie hog dAng kinh doanh &irk chi phi du phong rui ro tin dyng 15 319,570,786,725 X Chi phi dte plying riii ro tin dung 16 128,205,008,522 XI Tong lqi nhuAn tete& thug 17 191,365,778,203 7 Chi phi thug TNDN hign hanh tam tinh 18 43,992,470,930 8 Chi phi thug TNDN hoan lai 19 XII Chi phi thug TNDN tom tinh 20 43,992,470,930 XIII Ltd nhuAn sau thud 21 147,373,307,272 XIV Lqi ich cua co (long thieu so 22 XV Lai co' ban teen co phieu 23 Dan vi tinh: VND Luj , Ice tie dAti nam den cutii Quy II Nam 2012 NAm 2013 Nam 2012 2,487,358,794,779 4,856,183,448,746 4,910,239,666,659 2,059,975,100,599 3,768,049,702,833 3,915,652,968,971 427,383,694,180 1,088,133,745,913 994,586,697,688 31,868,638,160 84,663,136,776 104,117,050,630 10,965,512,373 24,109,764,302 16,361,610,200 20,903,125,787 60,553,372,474 87,755,440,430 20,489,499,485 91,958,580,414 32,434,129,056 (933,179,647) (5,463,508,860) (933,179,647) (3,472,416,461) (9,392,039,476) 968,466,025 108,254,689,311 13,618,518,204 108,530,088,105 19,596,076,153 6,714,661,907 20,126,281,870 88,658,613,158 6,903,856,297 88,403,806,235 251,333,750 1,123,356,650 1,211,623,950 309,653,255,189 837,724,373,539 597,403,574,155 243,627,415,063 396,092,989,873 607,023,409,582 (54,373,003,531) (13,003,821,196) 14,260,094,221 298,000,418,594 409,096,811,069 592,763,315,361 77,456,265,019 98,586,905,942 152,084,174,384 77,456,265,019 98,586,905,942 152,084,174,384 220,544,153,575 310,509,905,127 440,679,140,977 Quj. II Nam 2013 thong nam 2013 ng Giam d6c co . GMAI CO PHAN CON  Nol yob -Rfeye - 41 , ‘ " - 1444 SHB NGAN HANG TMCP SAI GON - HA NQI 77 TrA'n Hung Dao - Quan Hoan Kigm - Ha NOi Tel: 04.39423388  Fax: 04.39410942 Bao cao tai chinh rieng le Quy II nam 2013 MAu set: Q-02a TD - BAO CAO KET QUA HOAT DONG KINH DOANH - QU'i 7 NIA chi 'I huyet tieu miuh I LUTICHUYEN TIEN Tir HOAT HONG KINH DOANH I Thu nhap Iai va cac khoan thu nhap Wong to nhan cluvc  01 2 Chi phi lai va cac chi phi Mang to di tra  02 3 Thu nhap tir hoat dOng dich vu nhan dtrqc  03 4 Chenh loch s6 tien thuc thu/thuc chi tir hoat dOng kinh doanh 04 chimg khoan, yang bac, ngoai to 5 Thu nhap khac  05 6 Tien thu cac khoan ny da cluqc xir ly xod, bit dip bang nguem du 06 phong rill ro 7 Tien chi tra cho nhan vien va hoat dOng quail Iy, cong vu (*)  07 8 Tien thug thu nhap attic nOp trong ky (*)  08 Lull chuy& ti&I thuan tn. hoot Ong kinh doanh trt•k nhamg 09 thay doi y''' tai san va von 'nu dung Nhang thay diii v'd tai san hoot d' Ong 9 (Tang)/Giam cac khoan tien, yang gui va cho vay cac TCTD khac 10 SHB Solid partners, flexible solutions NGAN HANG TMCP SAI GON - HA NQI 77 Tian Hung Dao - Quan Hoan Kiem - Ha Nei Tel: 04.39423388  Fax: 04.39410942 Bao cao tat chinh rieng le Quy II nam 2013 NIL se: Q-03a TD - BAO CAO  CHUYEN TIEN TE - PPTT - QUY DVT: VND tfr dAu . nam den cu6IVy H Nam 2013"ltr NAM 2012 4,437,779,779,139 4,130,454,399,924 (4,599,330,502,234) (3,518,220,304,333) 60,553,372,474 87,755,440,430 76,423,888,578 27,229,195,213 6,638,091,862 87,837,177,228 249,407,060 325,719,916 (777,873,042,729) (571,924,133,631) (37,559,361,190) (170,296,469,373) (833,118,367,040) 73,161,025,374 13,008,778,843,479 (9,457,412,416,766) 10 (Tang)/Giam cac khoan ve kinh doanh chirng khoan  11 1,401,212,290,142 491,387,201,302 (Tang)/Giam cac cong cu tai chinh phai sinh va cac tai san tai 11  12 chinh khac (1,424,464,249) (913,044,429) 12 (TAng)/Giam cac khoan cho vay khach hang  13 (1,561,923,097,966) (1,563,946,441,940) 13 (Tang)/Giam ngu6n du phOng de bn dap ton that cac khoan (tin 14 dung, chUng khoan, dau tu dai han) 14 (Tang)/Giam khac ve tai sin hoat dOng  15 (753,112,338,910) (398,605,507,106) Nhikng thay diii v' e cong act' hoot &Ong 15 TAng/(Giam) cac khoan nq Chinh phi NM NHNN  16 (1,384,953,736,805) 16 Tang/(Giam) cac khoan tien gCri, tien vay cac TCTD  17 (9,067,301,599,160) 7,690,572,666,269 17 Tang/(Giam) tien gni cia khach hang (bao Om ca KBNN)  18 (747,699,052,018) 9,926,528,158,648 18 Tang/(Giam) phat hanh giay to co gia (ngoai tar giay to co gia Oat 19 hanh duyc tinh vao hoat dOng tai chinh) (1,752,091,076,072) (6,964,545,087,126) 19 Tang/(Giam) von tai trq, us, thac dAu tu, cho vay ma TCTD chiu rill 20 ro 57,091,830,142 60,573,320,000 20 Tang/(Giam) cac cling cu tai chinh phai sinh va cac khoan no tai 21 chinh khac 21 Tang/(Giam) khac ve cong ny hoat dOng  22 152,116,152,644 51,289,771,922 22 Chi to cac guy/ cia TCTD (*)  23 Ltru chuye'n tier than tir hoat Ong kinh doanh  24 (97,470,879,008) (1,476,864,090,657) II LOD CHUYEN TIEN Tir HOAT HONG DAU TU . 1  Mua sam tai san c6 dinh  25 (34,317,105,673) (54,338,785,172) 2 Tien thu tir thanh ly, nhuyng ban TSCD  26 895,969,739 240,909,091 3  Tien chi tir thanh ly, nhuyng ban TSCD (*)  27 - 4 Mua sam bat Ong san dau tu (*)  28 5  Tien thu tir ban, thanh ly bat (Ring sin dau tu  29 6  Tien chi ra do ban, thanh ly bat dOng san dau tu (*)  30 7  Tien chi dau tu, g6p von vao cac dun vi khac  31 8 Tien thu dau tu, Op von vao cac don vi khac  32 8,000,260,483 Tien thu c6 tirc va lyi nhuan duyc chia tir cac khoan dau tu, Op 33 9 1,123,356,650 On dai han 1,091,261,950 Urn chuyen tien thuAn tir hoat dOng dau tu.  34 (24,297,518,801) (53,006,614,131) III LIEU CHUYEN TIEN Tir HOAT BONG TAI CHiNH 1 Chi tieu minh 11,1a chi "Fhilye Lap bi6t,  Ke < town trtro'ng Verang Thanh Huy'n  Ninh a: Lan Phirang Ha nOi, ngay  tiding nenn 2013 Tag Giant ac NGA THIIONG MAI CO . PH ^ A'N SAi GoN . HA yew& V ein Ye% I Tang von co phan tir Op von va/hoac phat hanh co phieu  35 Tien thu tit phat hanh giAy  c6 gia dai han co  dieu kien tinh 2   36 vao von to co va cac khoan vein vay dai han khac Tien chi thanh toan giay tti co gia dai han co du dieu kien tinh vao 3  37 38 (690,235,600) (187,502,302,510) 39 40 41 (690,235,600) (187,502,302,510) 42 (122,458,633,409) (1,717,373,007,298) 43 11,665,810,449,612 20,013,338,515,106 44 45 11,543,351,816,203 18,295,965,507,808 von tV co va cac khoan von vay dai han khac 4 a tire tra cho c6 dong, Igi nhuan da chia (*) 5 Tien chi ra mua ce phieu ngan quST (*) 6 Tien thu duqc do ban c6 phieu ngan qu . S% Ltru chuy& ti&Ithuan tie host dOng tai chinh IV Ltru chuyin tin than trong ky V Titn va cac khoin ttrong dtrang tien tai thei diem au ky VI Dieu chinh anh htrerng cfla thay doi ty gia VII Tien VI cac khoan twong d•ong tier tai thfri diem cal ky THUYET MINH BAO CAO TAI CHINH RIENG LE Cho Quy II nelm 2013 fill SHB prIrti,erS.  ,,olution% Ngfin hang TMCP Sai Gen — Ha NOi THUYET MINH BAO CAO TAI CHINH RIENG LE Qu3 . II nam 2013 1. Thong tin vt ngan hang 0041-NH/GP ngay 13 thang 11 nam 1993 GiAy phep hog dOng do Ngan hang Nha nude Viet Nam cap Thai han hog d6ng cua Ngan hang la 40 nam ke tir ngay cap giay phep dau tien. GiAy phep twat di cing Hoi dtng Quan tri Ong Do Quang Hien Ong Nguyjn Van Le Ong TrAn Ngoc Linh Ong Pham H6ng Thai Ong Pham Ngoc Tuan Ba Dam Ngoc Bich Ong Le Quang Thung Ban kitm snit Ong Pham H6a Binh Ong Nguy& Hi u Dirc Ba Hoang Thi Minh Ong Bai Thanh Tam Ban Ttng Giam dtc Ong NguyL Van Le Ong Dang Trung Dung Ong Pham Van Thang Ong Le Dang Khoa Nguyen Huy Tai NO Thu Ha Ninh Thi Lan Phuang Dang T6 Loan Chu tich Uy vien Uy vien Uy vien Uy vien Uy vien Thanh vien d6c lap Twang ban Pho twang ban Thanh vien Thanh vien T6ng Giam d6c Pho T6ng Giam d6c Pho T6ng Giam d6c Pho TOng Giam d6c Pho T6ng Giam d6c Pho T6ng Giam d6c Ph6 T6ng Giam d6c kiem Ke toan Truang Pho T6ng Giam d6c Tai b6 nhiem ngay 05 thang 5 nam 2012 Tai 13.6 nhiem ngdy 05 thang 5 nam 2012 Tai b6 nhiem ngdy 05 thang 5 nam 2012 B6 nhiem ngay 05 thang 5 nam 2012 B6 nhiem ngay 05 thang 05 nam 2012 B6 nhiem ngay 05 thang 05 nam 2012 Bo nhiem ngdy 05 thang 05 nam 2012 Tai 1)6 nhiem ngdy 05 thang 05 nam 2012 Tai b6 nhiem ngay 05 thang 05 nam 2012 136 nhiem ngdy 05 thang 05 nam 2012 Tai b6 nhiem ngay 05 thang 5 Warn 2012 Tai b6 nhiem ngay 21 thang 5 nam 2010 136 nhiem ngay 01 thang 9 nam 2006 B6 nhiem ngdy 20 thang 6 nam 2013 B6 nhiem ngdy 10 thang 4 nam 2009 B6 nhiem ngay 18 thang 02 nam 2013 B6 nhiem ngay 15 thang 3 nam 2011 B6 nhiem ngay 08 thang 06 nam 2012 B6 nhiem ngay 09 thang 10 nam 2012 Tru chinh  S6 77 - TrAn Hung Dao - Q.Hoan Kiem - TP.Ha N6i - Viet Nam SHB Ngfin hang TMCP Sal Gen — Ha N(li 2. D4c diem host Ong ctia to chtk tin dung Ngan hang Thuo'ng mai Co phAn Sai Gen - Ha Nei (dtrai day goi tat la "Ngan hang") la met ngan hang thuang mai ca phan Via Nam thanh lap tai nuo . c Cong hoa Xa hei Chit nglifa Viet Nam yen thai gian hoat dong la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 dm Ngan hang Nha nuoc Via Nam. Ven dieu le cua Ngan hang tat ngay 31/03/2013 la 8,865,795,470,000 dong (Tam nghin tam tram sau muai lam tS/ bay tram chin lam trieu ben tram bay muai nghin dong). Hei sir chinh cua Ngan hang dat tat S6 77 - TrAn Hung Da() - Q.Hoan Kiem - Ha Nei - Via Nam. Tai ngay 30/06/2013, Ngan hang c6 4.279 nhan vien (Dail nam 2013: 4.463 nhan vien) . 3. Tom tit cac chinh sach ke toan chti yeu Chuin mtrc va the do ke toan ap dung Ngan hang trinh bay cac bao cao tai chinh bang dong Viet Nam (VND) theo Lust cac T6 chirc Tin dung, Luat sira d6i va be sung met se dieu trong Luat cac To chirc Tin dung, cac chuan muc ke toast Via Nam va HS thong Ke toan cac to chirc tin dung Viet Nam. Ky bao cao va dun vi tien to KS/ bao cao cna Ngan hang bat dau tir ngay 01/04/2013 va ket thuc vao ngdy 30/06/2013. Don vi tien te sir dung trong ghi elle!) ke toan la dong Via Nam (VND). 4. Nguyen tic ghi nh4n cac nghie‘p vu Wing ngoai to va guy di Theo he thong ka toan cua Ngan hang, tat ca cac nghiSp vu phat sinh cua Ngan hang dugc hach toan theo nguyen te. Tai th6i diem cuei nam, tai san va cong no . c6 nguen gee ngoai to dugc quy d6i sang VND theo tSf gia quy dinh vao ngay lap bang can d6i ke toan. Cac khoan thu nhap va chi phi bang ngoai to ctia Ngan hang dugc hach toan bang VND theo tS/ gia vao ngay ph& sinh th6ng qua giao dich mua ban ngoai te. Chenh lech tST gia do danh gia 141 cac tai khoan kinh doanh ngoai to dugc hach toan vao bao cao Ket qua Hoat &Ong Kinh doanh va lgi nhuan de lai. Chenh rech ty gia phat sinh do quy d6i cac tai san va cong ng khac bang ngoai te sang VND dugc xir ly vao doanh se cua cac khoan muc trong irng tren bang can d6i ke toan vao ngay lap bao cao tai chinh. 5. Chling khoan dau to gift' den ngay dao ham Chang khoan no . gift den ngay dao han la cac chimg khoan c6 kSr han co dinh va cac khoan thanh toan co dinh hoac c6 the xac dinh dugc va Ban Tong Giam dec coy dinh va c6 kha nang gal den ngay dao han. Ngan hang dang ghi nhan cac chi:mg khoan nay theo gia gee cong lai du thu trir lai ch6 phan 136. Gia tri phu tri hoac chi& khAu (lieu c6) ding dugc phan anh vao gia tri ghi se ciia khoan dAu tu. Lai dugc du thu hoac phan be theo phuong phap dugng thang. Chirng khoan dugc gift den khi dao han se dugc xem xet ve kha nang giam gia. Chirng khoan dugc lap du phong giam gia khi gia tri thi trugng nh6 han gia tri ghi se. Dkr ph6ng giam gia dugc ghi nhan vao bao cao ket qua host deng kinh doanh. SHB anfin partners fieXlhif, SOI111,118 Ngfin hang TMCP Sai Gen — Ha Ni 0 6. Chting khoin dau tir• sAn sang a bin Chang khoan dAu to san sang de ban la cac chirng khoan dugc gift trong thed gian khong an dinh trudc, c6 the dugc ban de dap irng nhu cAu thanh khoan hoac de Ung pho vai truerng hop thay de)i lai suit, ti gia, holac gia tri chirng khodn. Ngan hang dang ghi nhan cac chirng khoan nay theo gia g6c Ong lai du thu trir lai cho' phan be. Gia tri phu tri hoac chit khdu (neu co) ding dugc phan anh vao gia tri ghi s6 c6a khoan dau ttr. Lai dugc du thu hoac phan be theo phtrang pita') duerng thing. Cac chi•g khoan nay dugc dinh gia dinh kjf theo gia tri thi truerng va du phong giant gia tri se dugc 14p khi gia tri thi twang nho han gia tri ghi se. Du phong giant gia dugc ghi nhan vao bao cao ket qua hoat &Ong kinh doanh. 7. Chtimg khoan kinh doanh Chirng khoan kinh doanh la chirng khoan ban dAu dugc mua va nam giix cho muc dich kinh doanh trong ngAn han hoac net' Ban Tong Giam dec quy& dinh nhu vay. Ngan hang dang ghi nhan cac chirng khoan nay theo gia g6c vao ngay giao dich. Trong cac kS/ tiep theo, cac ch•ng khoan tiep tuc dugc ghi nhan theo gia g6c. Tuy nhien, gia tri thi truong cua cac chirng khoan van dugc Ngan hang theo &Si de dinh gia ve khi nang giam gia khi gia tri thi truerng thAp han gia g6c. Ngoai trir throng hop khong the xac dinh gia tri thi twang mot each chic chin thi gia tri cua chung dugc tinh dkra tren nguyen gia sau khi trir di ton thAt trac tinh (neu co). Lai hoac to tix kinh doanh chirng khoan dugc ghi nhan tren bao cao ket qua hoat Ong kinh doanh theo s6 thuAn. 8. Cic khoin cho vay Cac khoan cho vay ngAn han c6 kST han duai 1 nam; cac khoan cho vay va cho thue tai chinh trung han c6 kST han tir 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han c6 ky han tren 5 nam ke tir ngay giai ngan. Viec phan loai no• va lap du phOng rui ro tin dung dugc thuc hien theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh so 18/2007/QD-NHNN ngay 25 thang 4 nam 2007 ciia Thong d6c Ngan hang Nha nude Viet Nam. Cac khoan cho vay dugc phan thanh nam nhom no can cir vao tinh hinh tra no. va cac yeu to dinh tinh nhu. sau: Nhom 1: No' de tieu chudn • Cac khoan n• trong han ma Ngan hang dinh gia la c6 du khi nang thu 116i day d6 ca ge)c va lai dimg the•i han; • Cac khoan no• qua han duai 10 ngdy va Ngan hang dinh gia la co khi nang thu 116i dAy du geic va lai bi qua han va thu h6i dAy chi ge)c va lai dung the•i han con lai; Nhom 2 Net can chit . • CAc khoan  Una han fir 10 ngav (ten 90 ngav: a+ SHB en tnors Ngan hang TMCP Sai Gen —Ha Noi • Cac khoan no dieu chinh kS , han tra no ran dAu; • Cac khoan no . co cAu lai thoi han tra no trong han theo died han &rot co . cAu 14i. Nhom 3 No' dtrol tieu chudn • Cac khoan no qua han tir 91 den 180 ngay; • Cac khoan no' co cAu lai thei han tra no lAn dAu, trir cac khoan no dieu chinh kS/ han tra no lAn dAu phan loaf vao nhom 2; • Cac khoan no dupe mien hoac giam lai do khach hang khong du kha Wang tra lai day du theo hop dong tin dung; Nhom 4: No' nghi ngo• • Cac khoan no qua han tir 181 den 360 ngay; • Cac khoan no co cAu lai thei han tra no lAn dAu qua han duoi 90 ngay theo thoi han tra no duoc co cAu lai lAn dAu; • Cac khoan no co . cAu lai thOi han tra no lAn thin hai; Nhom 5: No . có kha Wang mat von • Cac khoan no qua han teen 360 ngay; • Cac khoan no co cAu lai thOi han tra no' ran dAu qua han tir 90 ngdy tro . len theo thei han tra no throe co cAu lai lAn dAu; • Cac khoan no co cAu lai thOi han tra no l'An thin hai qua han theo Mei han tra no &roc co Cu A 141 Ian thir hai; • Cac khoan no co cAu lai thoi han tra no lAn Mir ba tro' len, ke ca chua bi qua han hoac da qua han; • Cac khoan no khoanh, no 66 . xir Theo Quyet dinh se 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh se 18/2007/QD-NHNN ngay 25 thang 4 nam 2007, d6i  cac khoan no' qua han, to chirc tin dung phan loai lai vao nhom no c6 ruf ro thAp hon khi Ngan hang danh gia la c6 du kha nang thu hei dAy du ca gee va lai; va khach hang c6 tai lieu, 116 so chUng minh cac nguyen nhan lam khoan no' nay qua han &roc  khAc phuc. Ngan hang chti clOng to guy& dinh phan loai cac khoan no vao cac nhom no . ruf ro cao hon tuong Ong vo'i mire dO rui ro khi xay ra mot trong cac truOng hop sau day: • Khi co nhang dien Men bAt  tac dOng tieu coc den moi truOng kinh doanh va linh voc kinh doanh; • Cac chi tieu tai chinh cua khach hang hoac kha nang tra no' dm khach hang bi suy giam; • Khach hang khong cung cap cho Ngan hang cac thong tin tai chinh kip thoi, dAy du va chinh xac de Ngan hang danh gia kha nang tra no dia khach hang. [...]... 23 ,605,174,045 28 , 326 , 026 ,1 42 23,9 82, 598,867 89,186,987,476 31,680,864,093 48,499,447 ,28 3 10,364,355 ,29 6 20 3,714 ,25 3,015 5, 524 , 498, 427 18,100, 440 17,0 52, 121 ,784 438, 26 9, 720 15, 595, 9 72 71, 681 , 000, 000 12, 556, 922 ,24 3 2, 357, 355, 29 6 941,850 19, 123 ,000,000 14,507,689,309 1,314,757,974 366,000,000 32, 311,000,000 51,998,587,059 1,771, 128 ,134 3 82, 537, 822 149, 5 62, 000,000 72, 325 ,408 25 2,0 12, 1 32 1 ,24 5,357,786... 194, 729 ,446,713 12, 005,815,319 12, 005,815,319 191,844,015,346 12, 466,483,745 12, 466,483,745 146, 323 ,945,061 42, 486, 726 ,637 42, 486, 726 ,637 123 ,22 1,769,187 37,337,344,715 37, 337,344,715 23 , 023 ,0 12, 430 19,670,089,7 42 19, 670, 089,7 42 679,1 42, 188,737 123 ,966,460,158 123 ,966,460,158 22 ,3 72, 325 ,688 24 ,546,553,701 43,1 42, 568,893 79,707, 125 , 024 20 ,816,474,689 190,585,047,995 22 , 3 72, 325 , 688 184,3 62, 936,344 24 ,546,553,701... 22 ,696,193 ,28 3 620 ,560,110 21 , 023 ,415,450 2, 729 ,187,790 51,505,055,354 4,435,698, 721 32, 470,015,833 22 ,696,193 ,28 3 94,449,401, 823 620 ,560,110 61,136,074,945 21 , 023 ,415,450 62, 616 ,26 3,493 2, 729 ,187,790 15 ,22 5,458,501 51, 505, 055, 354 26 5,897 ,21 4,595 160 ,26 3 ,28 5,890 151,8 92, 920 ,511 83,834,471,386 85,314,543,567 91 ,28 9,919,055 84,5 32, 027 ,860 47,641,653,548 18 ,23 5, 725 ,385 9,716,054,849 6,651,168,9 82 3 92, 745,384, 728 ... ngoai ts, yang 31/ 12/ 20 12 VND 2, 806,8 62, 1 52, 501 1,116,473, 324 ,150 968,619,453,7 72 979,950,354,4 72 1,838 ,24 2,698, 729 136, 522 ,969,678 10,951,161,911,050 19,6 42, 384,956,481 10 ,22 1,137,064,530 18,636 ,24 2,066,481 730, 024 ,846, 520 1,006,1 42, 890,000 5 ,29 1,944 ,20 1,951 8,890,044,000,000 4,509,405,001,951 7,350,000,000,000 7 82, 539 ,20 0,000 1,540,044,000,000 19,049,968 ,26 5,5 02 29,648,9 02, 280,631 iA SHB Or,r1onrtno.m... 75,q 12, 661, 021 5,1 48,5 92, 971 82, 510,,{6r,886 2, 030, 020 ,25 1,73s 39,447,903,883 17,733 324 ,703 2, 087 ,20 1,484,f21 3,610,994,rr7,679 91,113 ,2' t7,680 16 ,23 4,487,333 3, 724 ,641,8 82, 6 92 Tii sin C6 kh:ic 30/06t2013 \.IID tt Tiri sin C6 kh:ic 3ut2 /20 12 VNI) ,445 ,24 0 ,487 ,5 42 9,9 82, 866,,1 52, 600 Trong il6: C6c khodn ldi, phf phAi thu Chi phi xAy dung co ban do- dang 4,7 58 ,29 0,9r4,783 4,46t ,25 8,546 ,25 9 23 4,765 ,26 6,394... 10 ,20 7,055,000 173,385,653,707 10,146,801,4 02 " 10, 146,801,4 021 Tai sin co dinh" vo hinh khac; COng 21 ,983,080,310 4 ,20 7,408,891: 3,807,1 52, 344,578 24 ,561 ,26 5 ,29 3 4 ,20 7,408,891 10 ,20 7,055 000 14,354 ,21 0 .29 3 10 ,20 7,055,000 6 ,20 8,717,133 24 ,648 ,20 3 6 ,23 3,365,336' 3, 621 ,990,374,561 6 ,20 8,717,133 177, 323 ,737,976 24 ,648 ,20 3: 26 ,165,840,998 6 ,23 3,365,336 3, 825 ,479,953,535 789 ,20 1,8 82 35,654,486,543 75,9 72, 667, 027 ... NOi 27 Ti&I giri cua khach hang 30/06 /20 13 31/ 12/ 20 12 VND VND 5,147,3 02, 970,379 6,157,873,855,761 - Tien gui khong ky han bang VND 4,117, 027 ,831, 123 4,549,9 42, 171 ,27 1 - Tien girl khong ky han bang yang, ngoai to 1,030 ,27 5,139 ,25 6 1,607,931,684,490 71,616,991,506 ,23 8 71,401, 621 ,8 62, 320 65,346,079,465 ,27 2 66,416,095,457,913 6 ,27 0,9 12, 040,966 4,985, 526 ,404,407 8,5 02, 5 82, 8, 426 , 122 167,863,533,7 32 120 ,361, 420 ,746;... 30/06 /20 13 31/ 12/ 20 12 VND VND Cho vay cac to chirc kinh te, ca nhan tong, n•& 55, 921 ,876,819 ,29 4 54,890,364,3 32, 868 Cho vay chit khau th•ung phiL va cac giay ter co gia 23 7,869, 527 , 624 985,650,393,340 Cac khoan tra thay khach hang 11 ,29 0,986,850 5 82, 245,331 Cho vay bang von tai try, uy tilde dau tu 27 ,668,394,008 74,5 72, 331,345 2, 211,451,337,979, 897,889,799,384 22 , 828 ,567,5 02 22, 011, 922 ,616 58,4 32, 985,633 ,25 7... 54, 627 , 721 ,416 80,374,843,5 42 60,549,8 82, 350 6,458,905,414 25 1,181,883,743 145,558,915,6 92 137 ,28 7,919,073 66,460,601,035 63,984,540,560 16,564,107,016 429 ,856,083,376 6,551, 420 ,519 322 ,495,173 27 ,7 52, 989, 3 92 1, 922 , 929 ,681 23 ,758,141,453 1,971,107,016 138,685,000,000 107,6 12, 000,000 76, 459, 5 82 42, 626 ,000, 000 10, 21 7,708, 905 6,638,831,655 399, 000, 000 46, 729 ,000,000 70 ,25 1,367, 28 5 8, 884, 25 6,... (83,337,456,116) 12, 091,699 ,27 9 ( 52, 040,811,369) ( 128 ,20 5,008, 522 ) Tiing lyi nhu4n truirc thud 15,890,899,044 83,363,195,1 72 59,3 92, 239, 322 32, 719,444,665 191,365,778 ,20 3 8 iA SHB ,:trtoncs, ,n,roorft Ngfin hang TMCP Sai Con — HA NOi 15 Titn mat, yang bac, di quy 30/06 /20 13 31/ 12/ 20 12 VND VND Titn mat bang VND 376,949,585,095, 25 6,757,313,480 Titn mat bang ngoai to 21 2,718,876,131 22 4,360,190 ,26 2 33,836,700,000 . l5 120 16 130 t7 ll I 1 32 139 l,l0 l.l I 149 150 l8 160 16l 19 169 20 170 2l t7l t 72 119 21 0 22 2t1 2t2 2t3 2t1 21 9 22 1 23 22 2 22 3 22 5 22 6 22 7 21 22 E 22 9 21 0 21 1 2, 1I 25 1 25 2 25 5 25 9 300 621 .505,161 .22 6 185,90{,5 02. 176 l9.0tt]. 625 ,t. t0.070.000 120 . 125 959.557 (60 .2. 11 ,26 5,05 l) 1,117,3{t7 ,26 7, {20 3 92. 715 l8'1. 728 679,l' 12. 188.7i7 (28 6.196,80.1.0091 a b 3 b ,a b xl I 2 I | ,{1s ,21 0,.r87,5 12 2 .26 3 .25 6 .21 7 .t27 ,{ 758 .29 0.914,783 4. 423 . SO du nam 310 26 320 12, 709,949,560,0 12 21 ,777 ,25 1,159,1 72 321 27 9,441,996,393,4 12 15,505,603,159,1 72 322 3 ,26 7,953,166,600 6 ,27 1,648,000,000 330 28 76,9 32, 166,5 12, 931 77,679,865,564,949