#ffiST{B NGAN HANG TIITIONG TI$I CO PHAN SdI GON - HA NQI 77 Trin llLrng Dao - Qudn Hmn Kidnr - ll?r f.loi Brio crio tiri chinh ln;p nh6t Quf II nnm 2012 NIAu s6: Q-02a 'l'e1 04.39423388 Fax: 021.394109212 Chi ti6u TD - BANG CAN DoI KE TOAN Mn chi -l'huy6t ti6u minh Sd cu6i kj Dctn vr tlnh; tr'ItD 56 tliu nxm A. TAI SAN I Ti6n m{t, virng b4c, tli quj II Tidn giri t4i NHNN III Ti6n, virng giii tai cfc TCTD khric ri cho vay c6c TCTD khdc . .^.i I -f ien. v?rng gui tai cdc TCTD kldc 2 Cho vay cac TCTD kh6c 3 Du phong rui ro cho vay cdc TCTD kltdc IV Ch[ng khofn kinh doanh I Chrmg kho6n kinh doanh 2 Dg phong girim gi6 chtrng khoAn kinh doanh \/ Cric c6ng cg tiri chinh phdi sinh vir cdc tAi $n tii chinh khic VI Cho vay kh6ch hing I Cho vay khdch hdng 2 Dg phdng rui ro cho vay kh6ch lang VII Chring khofn dAu tr I Chtmg khoan diu u sin s?rng de bdn 2 Chung kho6n clAu u git d6n ngay il6o han .1 Du phong giam gid chtmg kJroan ddu u \'ltl G6p v6n, dAu tu dhi h4n I t)iu tu viro c6ng ty con ^ .,: I VOn gop rBn ooann . ^: i DAu tu vAo cdng ty liin l€t 4 DAu tu ddi han kh6c 5 Dp phdng giiim gia dAu nr ddi han lX Tii sen c6 dinh i ,. , , - ,, r I I ar san co olnn nuu nnn a Ngtty€n gid TSCD lfLu hinh b Hlo mdn TSCD hiiu hinh 2 Tdi san cO dinh th,f tdi chinh a NgultAn giti TSCD b liao ntdn'l-SCD t ' , ; r. t i I at saD co olnn \ o nnn zt' Nguy|n gia TS(ID v6 hnh b Hao mdnTSCDv6 hinh f n6t aQng sin diu tu' a Nguyen gid BDSDI- b FIao mdn BESDT Xl Tni srin C6 kh6c I C6c khmn phdi thu 2 C6c khoan lai" phi phtii thu 3 'fai srin tfu6 TNDN hcfrn lar 4 Tdi sdn Co khAc - Iruilg du. lart llte Imtung nnl 5 Cac khmn drr phong nii ro cho cac 6i san Co nQi bzing khac rdNG rAr sAx c6 110 120 130 l3l 132 139 140 t4l 149 150 160 t6l 169 170 171 t72 179 210 2t I 2t2 213 214 219 220 221 222 223 224 225 226 227 228 229 210 241 241 250 2sl 252 253 a<1 255 259 300 l8 t9 20 21 'r) l5 l6 t7 3,10,686,963,675 819,858,205,006 30,376,177 ,267 ,152 30.376.777,267,t52 U U 13,J19,0l,l,l32 3 I,886,773,286 (l 8,567,758,954) 4,948,8',t9,r28 30,325,,186,839, I 95 30,695,797,08 I,845 (370,3t0,242.650) I 0, I 34,42 I,863,596 3,399.880,457,60 I 6,',113,986,839.574 (9 .145.133.s79) J3J,J 11,2,10,89J 0 0 0 334,289,000,000 (97 5,7 59.t07) 2,213,840,902,473 182,536,997,573 287,494.719.153 (104,957 ,721 ,580) 0 0 0 2,09 1.303,904,900 2,1 1 4,854. t 95,53 I (23,550,290,63 l ) 68,051,999,441 68,05 1,999,441 U 6,295,233,998,592 2"937 .440,237 .l6s 2.433.7 t6,t98.443 0 ' 924.077.562.984 80.985,939,1 73,,183 125,218.979,260 35,1 I I,s2s,6J7 l 8,84s,r 74.632,85s I 8,845, l 74,632.85s 0 U t7,801,172,127 36.165.293.695 (18.361,121,268) ,1,035,834,699 28,806,884,090,2 l s 29. 1 6 1.850.639,905 (3s4.966.549.690) 15,097 ,394,499,137 I 2,50 I ,240, I 53.537 2.6 I 0.840.000.000 ( l 4,685,6s3,800) 3ll,l13,2,10,893 U 0 U 334.289.000.000 (97 5,7 s9 ,107) 2,2s4,982,825,323 t67 ,781 ,341.002 252,783,546,659 (85,002,20s,65 7) '0 U 0 2.087 ,20t .484.321 2,106,146"460.886 (t8,944,97 6,565) 0 U U 5,169,62 1 ,880,976 2.599.670,439.052 1.64s.4.13,688.789 0 924.6t4.4t9.802 ( l 06.666,667) 70,989.541,682,022 23 24 26 'l'hu16t B Nq PH,ir rRA vA voN crr('so Ht,r' I Crlc khorin no.'Chinh phii vi \IINN II Tidn grii vi vay cria cric 'ICTD kh{c I Ti0n gtLi cila cdc'I'CTD khiic 2 Vav cac -l C'l'D khdc llI Tidn giii cr'ra khfch hing lV Crlc c6ng c11 tii chinh phf i sinh vd cric khorin ng'tAi chinh kh6c \' "A.r tii trg', ui th{c rtiu tu', cho vay mi TC'I'D phiii chiu riii ro \rl Ph{t hinh giAy td'c6 giri VII Cric khoiin Nr2'khdc I L ac klroun lai. phi phai rra 2 Thud TNI)N hoin lai phrii trri 3 Cric khorin phzii trri vd c6ng no khiic 4 Du phong riri ro khiic T6ng Ng'phrii trri VIII V6n vir crlc qu! 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(*) Tidn thu tluoc do bdn cd phi0u ngdn qu! Lur chuy6n tidn thufln ti hoirt ilQng tii chinh IV Lurr chuy6n tidn thuin trong kj V 'l'i6n vh cdc khorin tu,o'ng du.o'ng ti0n tiri thd'i tliilm dAu kj, .lJ Vt Didu chinh rinh hu<i'ng cua tha).d6i ri gi{ qq VII Ti0n vir c{c khorin tuo.ng duo.ng ti€n tai thd'i ai6m cu6i ki ,ls 0 (187 .s02.t22,s t0) 0 0 ( l 87,s02, I 22.s1 0) (r,917,523,399,779) 20,213,.t90,ss4,.r l9 0 I 8,295,967,1 5{,6.t0 l.l I lJ.276. 11)().1)r)(i 0 ( r79.385.600.0i)0) (220,I93.050.120) 0 9l ti.697,7J9,58{i 5,197,777,5tit. i,, 9,502,069,7tJJ.2sr1 U 1.1,699,8.17,352.966 0 0 3 4 5 o 39 40 ,ll 42 LAp bi0u /, vL > / Ngu.vin Th! Litn K€ tof n 1rvt''n{1y'14/ Nitth Th! Lon Phu,o'ng n94) 20 tltling 07 ntin 2012 'I'6nS Gidrn diic * ti\ Nguy0n Vin LA z.9rttC2766-} .' *'-\-U (fieA,t-*,,**$ LlCrrrt uAi c0'pHniril- ll -lt e\$,it ri0it"i{fl ilil1 a. THUyET MrNHnAo cAo _\r- TAI CTTINH HOP NIT{AT Cho Qily II ndm 2012 ' I !l i I ti ri SFI1I Ngin hing TMCP Shi Gdn - Hn NQi THUYET MINH I}AO CAO TAI CHINH HO? NHAT QUY rr 2012 l. Thdng tin vd ngf,n hing Gi6y ph6p hoat ddng 0041-NHiGP ngdy 13 thdng l l ndm 1993 GiAy phdp hoat d6ng do Ngdn hdng Nha nuo'c Viet Nam c6p Thd'i hpn hoat cl6ng cria Ngdn hdng ld -10 narn kd tu ngay c6p giSy phdp dALr ti€n. Cht tich uy vlen Uy vi6n uy vren Uy vi€n uy vlen Thdnh vi6n ddc ldp TAi bd nhi6m ngdy 05 thring 5 ndm2012 T6i bd nhi6m ngdy 05 thring 5 ndm 2012 T6i b6 nhi6m ngdy 05 th6ng 5 n1m 2012 B6 nhi€m ngdy 05 th6ng 5 ndm 2012 Bd nhidrn ngdy 05 tli6ng 05 nitn 2012 Bd nhiQrn ngdy 05 thring 05 ndm 2012 86 nhi€m ngdy 05 thdng 05 ndm 2012 Thdnh vi6n Thdnh vi6n Thdnh vi6n Thdnh vi€n -l li rong uram ooc Ph6 Tdng Girim ddc Ph6 T6ng Girim d6c Ph6 T6ng Gi6m ddc Ph6 T6ng GiSm d6c Pho T6ng Girirn ddc Ph6 T6ng Girim d6c ,x Krem Ke toan tfuong 36 77 - 'Irdn Hung Eao - Q.Hodn Ki6m - TP.Hd N6i - Vi6t Nam 2. Dic di6m hoat ddng cria tii chri'c tin dgng NgAn hdng Thu'ong mai C6 phAn Sdi Con-FId N6i (du6'i dAy goi tit ld "Ngan hdng") ld m6t ngdn hhngthuongmaic6 phdn VigtNarn thdnh ldptai ntL6'c CdnghoaXd hQi ChLr rTghTa Vi€tNam voi thoi,gian hoat dQng ld 40 ndrn theo 0041-NH/GP ngdy 13 th6ng ll ndrn 1993 crJra NgAn hdng NhA nLr'6'c Vi€t Nam. V6n di6u 16 cira Ngdn hdng tai ngdy 3010612012Id 4,81 5,795,410.000 ddng (BC. .rghin t6m trdm mrrd'i ldm tli bdy trdm chin lam tri6u b6n trdm bay rnuoi nghin dong;. Hdi tl6ng Quin tri Ong D5 Quang Hi6n 6ng Nguy6n Vdn Ld 6ng Trdn Ngoc Linh Ong Pharn H6ng Th6i 0r,o I-ha,n Ngoc Tudn Bd Ddm Ngoc Bich Ong'L€ Quang Thung Ban ki6m soft Ong Pharn Hda Binh Ong NgLry6n Hiru Dri'c Bd Hodng fhiMinh Ong Biri l'hanh Tdm Ban I'6ng Gi:im eliic Ong NguySn Vdn Ld 6ng Ddng'frung Dfrng One Bii Tin Nghi 6ng L€ Dang Khoa Pham Vdn fhing Ng6 Thu Hd Ninh Thi Lan Phuo'ng Tru scr chinh l. E I ;C \ TAibO nhi6m ngdy 05 thring 05 nlm2012 l'6i b6 nhi6m ngdy 05 th6ng 05 nint2012 Bd nhidm ngdy 05 thdng 05 ndn2072 T6i bd nhi6m ngdy 05 thrlng 5 nim 2012 'f6i b6 nhi6m ngity 2l thdng 5 ndm 2010 'Bd nhi6m ngdy 01 thdng 9 nim 2006 86 nhi6m ngdy 05 thring 6 ndrn 2007 Bd nhi6m ngdy l0 th6ng 4 nam 2C09 86 nhi6m ngdy 01 th6ng I 1 nam 2010. Bo nhiem ngdy l5 thdng 3 nam 20 | | 86 nhi€m ngdy 08 th6ng 06 n1m 2012 . W SFIB Ngin hdrng TMCP Shi Gdn - He Ndi Hdi so'chinh cua Ngdn hdng dAt tai Sd 77 - TrAn HLlng Dao - Q.Hodn Kiern - Hd Ndi - Vi6t Nam. Tai ngdy 3010612012, Ng6n hdng co 3035 nhdn vien lDAu nam 2012:2840 nhAn vi6n) . 3. T,im tit cfc chinh s:ich k6 tofn chri v6u Chudn mqc vi cn6 AQ k6 tofn ip dung NgAn hdng trinh bdy ciic brio ciio tdi chinh bdng d6ng Vi6t Nam (VND) theo Luar c6c 'fd chilc Tin dung, LuAt sira d6i vd bd sung rn6t sd cli6u trong Ludr cdc To chuc Tin dung, ciic chuiin muc ke toiln Vi€t Narn va He thong Ke todn cdc td chLic tfn dung viet Nam. Kj. bno c:lo vh do'n vi ti6n t6 Kj' brio ciio cta Ngdn hdng Uat Oiu til ngdy 0110412012 vd k6t thric vdo ngity 3010612012 Eo'n vi tidn t6 s[r'dung trong ghi chep ke rorin ld <tdng ViQt Nam (VND). 4. Nguy6n tfc ghi nhAn c6c nghi6p vg bing ngo4i rQ vi quy d6i Jheo h€ th6ng ke todn cua Ngdn hirng, tit ca cac nghi€p vu ph6t sinh cua NgAn hdng clu'oc har,,: .o6n theo nguyen te. Tai thoi diern cudi n6rn, tdi sdn vd c6ng no- c6 ngu6n gdc ngoai t6 du.o-c quy d6i sang VND theo t1i gi6 quy dinh vdo ngdy ldp bing cdn AOi te lrclitn. Circ khoan rhu nhdp vd chi phf bing ngoai tC cta Ngdn hdng duo-c hach torin bing VND theo ty gid vdo ngdy phiit sinh th6ng qua giao dich mua b6n ngoai t6. ch€nh lQch tjz gi6 do rl6nh gid lai cric tdi khoan kinh doanh ngoai t€ dr.Lo-c hach to6n vdo b6o c5o K6t qud Hoat rl6ng Kinh doanh vd lo-i nhuan ee tai. ch6nh lCch ti giri ph6t sinh do quy d6i c6c tdi sdn vd c6ng no- khrlc bdng ngoai t€ sang VND duo-c xg. ly vdo doanh sd cria ciic khoin muc tuong fng tr6n bdng cAn AOi fe to6n vdo ngdy IAp b6o ciio tdi chf nh. 5. Chri'ng kho{n tliu tu giir tt6n ngiy tt:io h4n Chilng khoiin no- giii'd6n ngay ddo han Id cric chu'ng khorin co kj,han co dinh vd cdc kho,' thanh toi{n c6 dinh hodc co the xac clinh duo-c vd Ban Tdng Girim cl6c c6 yi dinh vd co kha ndng giil d6n ngdy dilo han. NgAn hdng dang ghi nhQn cric chiLng khodn ndy theo gi6 gdc c6ng ldi du.thu rrir ldi cho'ph6n b6. Gi6 tri phu tr6i hodc chit5t kh6u (n6u c6) cfrng dr-ro'c phan 6nh vdo gi6 tri ghi s6 cua khoAn dAu tLr. Ldi cfuo'c du'thu hodc phan bo.theo phu'ong ph6p dud'ng thdng. Chri'ng khoiin clLro-c giti'd€n khi d6o han s€ duo-c xem xet vd khi ndng giim giri. Chri'ng khorin duo-c ldp dLL phdng gidm gi6 khi giri tri thi trud'ng nho ho'n gi6 tri ghi s6. Du phong gidm gid duo-c ghi nhdn vdo brio crio ket qud hoat ddng kinh doanh. 6. Chri'ng khorin tlAu tu sin sdng aii nen Chrhxg kho6n diu ttr sin sdng de b6n ld c6c chri'ng kho6n duo-c gifr'trong thd.i gian kli6ng .,iir dinh tru6'c, c6 th€ du'o-c b6n ee aap irng nhu cAu thanh khoin hodc d0 rlLng ph6 v6.i trud'ng ho.p rh;r. AOi tai sr6t, ti giii, hodc giri tri ohf'ng khorin. Ngdn hdng dang ghi nh6n ciic chtlng khoiin ndy thco '," sFrB Ngin hdng'IMCP Shi Gdn - He NQi giri g6c c6ng ldi du thu trir ldi chd'phdn b6. ci6 tri phu tr6i hodc chitjt kh6u (n6u c6) cfrng drro-c phdn 6nh vdo gi5 tri ghi s6 cua kho6n diu tu'. Ldi duo-c du thu hoac phdn bo theo phuo'ng phrip dud'ng thdng. Cric chf'ng khoiin ndy duo-c d6nh giri dinh kj,theo gi6 tri thi tru'd'ng vd du phdng gi6rn gi6 tri sC duo-c ldp khi gi6 tri thi truong nho ho'n giri tri ghi so. Du phong giarn giri dr-ro-c ghi nhdn vdo b6o cdo k6t quA hoat ddng kinh doanli. 7. Chfng kho6n kinh doanh Chilng khoiln kinh doanh ld chilng kho6n ban diu duo-c mua vd nim gifr'cho muc dfch kinh doanh trong ngin han hodc n6u Ban T6ng Girim cl6c quy6t clinh nhu vdy. Ngdn hdng clang ghi nhan ciic chf'ng kho6n ndy theo gi6 g6c vdo ngdy giao dich. Trong cdc k] ti6p theo, ciic chinrg kho6n ti6p tuc duo-c ghi nhdn theo giri g6c. Tuy nhi€n, gi6 tri thi truo'ng crla c6c chfi'ng khodn v6n du'o'c NgAn hdng theo ct6i dC cl6nh gi6 ve tna ndng giarn gi6 khi gi6 tri thi trud'ng th6p hon gi6 g5c. Ngoai tru' trud'ng ho-p kh6ng thd x6c dinh gi6 tri thi tru'o'ng rndt cdch chic chfn thi gi6 tri cr-ia chfng duo-c tfnh dua tr€n nguydn giii sau khi trir cti t6n th6t u6'c tinh (n6u c6). Ldi hodc 16 tir kinh doanh chiLng khorin duo-c ghi nhdn tr6n b6o c6o kt5t qud hoat cl6ng kinh doanh theo s6 thuAn. 8. Cfc khoin cho vav Cric khoAn cho vay ngin han co k! han du6'i 1 ndm; c6c khoAn cho vay vd cho thud tdi chfnh trung han c6 kj'han tu' I narn cl6n 5 ndm vd ciic kho6n cho vay vd cho thud tdi chinh ddi han c6 kv han tr€n 5 ndm k6 til ngdy giAi ngdn. Vi€c phdn loqi no- vd l6p du phdng rui ro tfn dung duo-c thuc hi6n theo Quy6t dinh s6 49312005IQD-NHNN ngdy 22 thdng 4 ndm 2005 vd Quy6t dinh s6 l8l2007IQE-NI{NN ngd1, 25 thing 4 ndm 2007 cria Th6ng ddc Ngdn hdng Nhd nu6'c Vi6t Narn. C6c khoAn cho va1, duo'c phdrr thdnh ndrn nh6m no- cdn cil Vdo tinh hinh tr6 no'vd ceic y6u to dinh tinh nhu sau: Nltdnt l. I'lo' du ti€u chudn o CAc khodn no- trong han md NgAn hdng clinh gi6 ld c6 clir khd ndng thu h6i dAv dn ca g6c vd ldi dring thd'i han; . C6c khodn no'qu6 han du6i l0hgdy vd NgAn hdng d6nh gid ld c6 khi ndng thu h6i dAy drl g5c vd ldi bi qu6 han vd thu h6i dAy dt g6c vd ldi dfng thoi han cdn lai: Nhdm 2. Nq'ccin chu y . Citc khodn no, lu1 han tir' 10 ngdy ddn 90 ngdy; . Ctrc kho6n no- di6u chinh kj,han tra no- lan ctdu; . C6c khoAn no- co c6u lai thoi han tra no- trong han theo thd'i han duo-c co'c6u lai. Nhtim 3. l,,lq'dtro'i ti0u chtran . Cdc khoan no qud han tir' 9l cl6n I 80 nsav: [:SHB NgAn hing'I'MCP Shi Gdn - HA NOi . Circ khoin no- co c6u lai thd'i h4n trA no- ldn cl6u, tril ciic khodn no- di6u chinh kj, han tra no- lAn diu phAn loai vdo nh6m 2; . Ciic khodn no duo-c n-ri6n hodc gi6m ldi do kh6ch hdng khdng dn kha ndng trA lai dAy dn theo ho-p dong tfn dung: Nltdm 4"' No nghi ngr| . C6c khoan no- qu6 han til I B I den 360 ngdy: . Circ kho6n no- co'c6u lai thoi han trir no lAn dAu qr.r6 han du6'i 90 ngdy theo tho'i han trd no- du'o-c co c6u lai lAn dAu; o Cic khodn no- co'cau lai tho'i han trd no- ldn thf' hai; IYhdm 5: Nq co kha ndng nat von . Cdc khoAn no- quii han tr6n 360 ngdy; . Ciic khoin no co'c6u lai thd'i han tri no- lAn dAu quii han tir 90 ngdy tro' l6n tlieo tlroi han trd no- duo-c co c5, lai l6n dAu; ' . Ciic khoAn no'co c6u lai thoi han tra no- lAn thf' hai qu6 han theo thd'i han trA no- duoc co'c6u lai lAn thfi hai; . C6c khoan no- co' c6u lai thd'i han trd no- ldn thir ba tro' l€n, kti ci chua bi quri han hodc dd quri han; . Circ khoin no- khoanh, no- chd' xil ly; Theo Quy6t dinh s6 49312005/QD-NIINN ngdy 22 thdng 4 ndm 2005 vd Quy€t clinh so |SI2}}71QD-NHNN ngiry 25 thring 4 ndm2007, A6i vOi cric khodn no- qu6 han, td chrlrc tin dung phAn loai lai vdo nh6m no- c6-rrii ro th6p ho'n khi Ng6n hdng d6nh gi6 I.d c6 di khd ndng:hu h6i dAy di ca gdc vd ldi; vd kh6ch hdng c6 tdi li6u, h6 so ch0'ng minh c6c nguydn nhdn ldm khoAn no- ndy qud han duo-c x[r ly, kh6c phuc. Ngdn hdng chir d6ng tu quy6t dinh ph6n loai c6c khoin no- vdo c6c nh6m no- rui ro cao ho-n tu'o'ng f'ng v6'i mfic dd rui ro khi x6y ra m6t trong c6c trudng ho-p sau.dAy: . Khi c6 nhrl'ng di6n bi€n b6t lo. i til tric ddng ti€u cuc cl6n rn6i trud'ng kinh doanh vd lTnh vuc kinh doanh: C6c chiti6u tdi chfnh cia kh6ch.hdng hodc kh6 ndng trd no- cua kh6ch hdng bi su1.,giam; . Khrich hhng khong cung cdp cho NgAn hdng ciic th6ng tin tdi chinh kip thiri, dd-v cfii vd chfnh x6c cl€ Ngdn hdng drinh gi6 kh6 ndng tr6 no- cira kh6ch hdng. Duphdngriiirotintlung: ViectinhduphongcUthddrLo-ccdnciltr6n cS,cty166pdungcho til'ns nhorn no nhu sau: [...]... 30t06t20 12 30t06t20r2 31t12t2011 3U12t20rr Bdt dQng san 28 .22 2.37 4.711.7 72 26.876.564,8 62. r46 28 .22 2.374.714.7 72 26"876,564.8 62. t16 DOng sdn 1 8.480 18.779.77 8.380. 727 18.559.685.548.480 18.779.778.380.1.ti 3.886.346,1 56.665 3.1 32. 017 57 5.733 Chirng tii c6 gi6 8.5 59.68 5.54 3.886.346.156.665 3.1 32. 017.575.733 15.913,819.479 .27 0 13.077,086.815.770 15.913.819.479 ,27 0 13.077.086.815.770 66,5 82, 225 ,899,187... 30/06 /20 12 VND Von nhdn t?ri tro-" uy rhdc ddu tu'" cho va5 bdng VND 'VOn nhAn tai trcr- uy thdc ddu tu, cho ': vay b5.ng vhng, ngoai t€ 3l/ 12/ 2011 VND 22 5,163.O80,O00 922 ,9 32, 419 922 ,9 32. 419 28 6,959,3 32, 419 31 Cric 28 6,O36,400,000 22 6,396,O 12, 119 khoin no khfc 30t06t20 12 3t tr2t201l \TND VND C6c khoiin phai tra ndi bd 535,966,597,905 37 ,24 2.995,944 C6c khoAn phAi trd bdn ngodi 1 88,81 7 ,644,905 26 0, 424 ,046,009... ngay oau Ky Tai ngiy cuiii ky 2 k6 631,1 02, 326 14,064, 122 ,6 32 Si5 - 62. 219.761.160 96, 721 1,tJ00_ ' 4,7 02, 034,066 1,7 02 ,0 96. 720 .000 31,066 96, 720 ,000 709, 720 ,139 17,945,493,396 4,995,077,097 tvrrtzurrJil | tr643r4y5rj96 4,995,1J771097 23 ,550 ,29 0,631 2, 030, 020 ,25 1,735 39,447,903,993 17,733.32g.703 2, 087 ,20 1,41id.-r) 2, 029 ,941,633, 923 l6,988,003 ,21 3 2, 091 ,303,904,900 44,374 ,26 7,764 i S}|I3 ,,' Ngdn hdng... 174,779,905, 323 28 4,073,500, 324 | 54,1 47 ,495 ,681 3 15,886, 526 ,91 8 { r\o- co Kna nang maI von 21 8, 922 .396.906 27 8,343,046,891 30,695,797,081,945 29 ,161,950,639,905 20 .2. I'hin tfch du nq theo thdi gian 30106 120 12 3U 121 2011 VND VND No ngdn han 19 .26 0,139,787,949 No- trung han 6.448,585,977 ,793 6,394, 821 , 023 ,',356 No- ddi han 4,987 ,071,316 ,20 4 4 ,25 2.800 ,25 8.463 30,695,,797,091,945 29 ,161,950,639,905 20 .3... d6t 30t06t20 12 311 121 2A11 VND VNt) Tinh CAn Tho 69,584,6 92, 000 69,5 84,6 92. 000 r '- r'tr lnn ua l\ang 26 5, 025 ,461,586 26 5. 025 .461.586 I Tinh I{d NQi 1,665,308,835,3 75 1,665,308,835.375 Tinh I(hdnh Hoa 18,037 ,22 6,100 18,037 .22 6,100 Tinh Ki6n Giang 5 ,21 1,535,400 5 ,21 1,535,400 Tinh Ldm DOng 7,483,603,600 7,483,603,600 2, 030,651,354,061 2, 030,651,354,061 26 Thi siin C6 khdc 30/06 /20 12 3 | / 121 2011 VND... nann glay 10 co gra : ,387,943,353 ,22 3 24 ,045,550,449 I 138,570 ,26 2,107 64,9 52, 7 57,533 12, 669.166,735 t57,763,633 2, 037 ,27 6,146,071 |,477,099,434,939 Quy Il .20 l2 VND Qu! II .20 l I VND 34,960,864,306 30,473,41!;764 - Ho4t d6ng thanh to6n 13 ,23 4, 327 ,439 12. 776,638 .23 7 - Ho4t dQng bao ldnh 17 ,155 ,25 2,638 5,749.4 02. t27 1 ,20 3,689,5 42 1,899,5 82. 479 r Tra lii ti6n thud tdi chinh Chi phi hoat ddng tin dung... k) Tgi ngiy cu6i t . c6 110 120 130 l3l 1 32 139 140 t4l 149 150 160 t6l 169 170 171 t 72 179 21 0 2t I 2t2 21 3 21 4 21 9 22 0 22 1 22 2 22 3 22 4 22 5 22 6 22 7 22 8 22 9 21 0 24 1 24 1 25 0 2sl 25 2 25 3 a<1 25 5 25 9 300 l8 t9 20 21 'r) l5 l6 t7 3,10,686,963,675 819,858 ,20 5,006 30,376,177. vang 29 3,949,677,371 131,369,301,893 340,696,963,675 425 ,21 9,979 ,26 0 30t06t20 12 VND 3t/12t20t I VND 22 2,590,479,033 118,096,484.6 42 30/06t20 12 VND 3t/12t201| VNI) B r 9,858 .20 5.006 35,111, 525 ,637 819,959 ,20 5.006 35,111, 525 .637 30t06 /20 12 TND 3v12t2011 VNI) 3,159 ,29 I,g. 5,909,64g 2, 2i3,j96,645,417 540,039,164 ,23 1 27 ,5 92, 941,457,504 25 ,26 2, 720 ,057,504 2, 320 ,22 1,400,000 SHB Ngdn hhng TMCP Sdri Gdn - Hn NQi 18. Chf'ng khofn kinh doanh 30106 120 12 VNI) 31t12t2011 VND Chimg