ch€nh lQch t'i gi6 do ctrinh giri lai c6c tdi kho6n kinh doanh ngoai t6 duo-c hach toiin vdo b6o c6o K6t qua Hoat d6ng Kinh doanh vd lo-i nhudn ec tai.. Chrlng kho:in dAu tu giir tt6n ng
Trang 1I f idn m{t, virng b3c, tl6 quy
Il Ti6n giii tai NIINN
III Tiin, virng gri'i t4i cic TCTD hhdc vh cho vay cfc TCTD hh:ic
I Ti6n, vdng gui tai c6c TCTD kh6c
2 Cho vay c'6c TCTD khric
3 DU phdng riri ro cho vay c6c TCTD kh6c
IV Chttng l<hoin l<inh doanh
2 Du phong giaim gi6 chfng kho6n kinh doanh
V ,Cric cOng cg tiri chinh phrii sinh vir cic tiri siin thi chinh khic
VI Cho vay hhr{ch h}rng
I Cho vay kh6ch hdng
2 DU phdng rui ro cho vay kh6ch hdng
Vlt Chfrrg kho:ln diu tu'
, rl
I Chune khodn diiu tu sarr sAng d€ biin
2 Chilng khodn diu tu gifr'd6n ngdy d6o han
3 D1L phong giam gi6 chung kho6n dAu tu'
VIII G6p v5n, diu tu'clii h4n
I DAu tu vdo cdng ty con
a
',i
2 Von g6p li€n doanh
3 DAu tu viLo cdng ty li€n ktit
4 Ddu tu ddi han kh6c
5 DrJ phdng gidm gi6 clAu u ddi han
IX 'I'iri srin c6 dinh
I , , ,
I I Ar san co dinlr hiiu hinh
a NguvAn gid'I'SCD htur hinh |'
b IIoo mdn ISCD htitt hinh
a \grtlin glci /.St'D t'o hinh
b IIoo mdn TSCD t'6 hinh
X Trii s:in C6 khfc
I C6cl<hoan phai thu
2 CAc khoan lii, phi phai thu
3 Tdi san thu6 TNDN hoin lai
4 Tai siin Co khiic
5 C6c khoan du phong rui ro cho c6c tdi sdn C6 ndi bang kh6c
l 311,995,783,069
920,13t,576.609 6,323,67 4,065,7 45
0
0 3,0.10,739,50,1,000
( 0,808,496,000) 3,663,026.809 12,7$1,661,439,039
I 2, 82 8,7.1f.i,070.948
r 1 27.083.53 I 909 )
2.301,296,692,323 1.804,296.682.32.i
,5 00.000.000.000
0 289.799.000,000 20.000.000.000
0 (-) (i
7 27.883,113.526
72().9'42.347 ,6 | 5
(2.05q,234,089) 867,396,633,00u 405,085.225.909
167 15() 155
t5-U 194.c)52,051 7 17
tJ
27 ,443,.111.549,962
67,478,801,936 216.116,117.098 2.945,975,032,363 2,94 5.975.0_12.363
0 0
.r80.531 ,I 92,889 494.698,780,889
( r.1,167.588,000) 36ri.865.092
6.252.699.297,805 (25.540,939.794 )
I 955,500.000,0fi0
r)5 5.000,000,000 1.00(),500.000,000
0
7,18,1 59,000,000
0 0 0
72(t,824.242.480 728.521,64t,6'71
Trang 2s'rr cni rmu ;rt/,])tffi ,,t?,ffi|t;
B xg pHAt rnA vn voN cnu so utJu
I Cfc khofrn no.'Chinh Phii vi NHNN
II Tidn gii'i vi vay ciia cdc TCTD khic
'I'i€n gtri cua c6c TCTD kh6c
Vay c6c TCTD kh6c
Tiin gii'i ciia hhich hhng
Cic c6ng cg tii chinh phii sinh vir cic khoiin no.'thi chfnh khic
V6n tiri trg', u;i th:ic ttAu tu', cho vay mh TCTD phiii chiu rrii ro
Phit hhnh gi6y td'c6 gi6
Cic khoAn Nq khic
Cdc khoan lai, phi phai tra
Thue TNDN hodn lqi Phai tra
C6c khoirn phai tra vir c6ng no- kh6c
3(ftU$W Chdnh l0clt danh gid laitAi san
I\titt.t chirrh leclr tv eia noi o.oii
i, Lo-i ich ciia cil o6ng thi6u sii
TONG Nq PIIAI TRA vA voN cuu sd urlu
cAc cni TIT]U NGOAI BANG
48.000.000.000 (-1.956.517.600)
U
0
5 3,003,990.7i 7
(l 0
0
-13 2.5 09.3 5 i
l 2,l 1 4,654.782,61 3 2,266,(;55,235,929 2,(l I 5,(r,1ti,602'000 2.000.000.000,000
0
,18,000.000.000 (2.:151.198.000)
t, i)
5 3 1!),1.2,15.5 90
U
0 167.512.i88.339
I ld noi,lk4, 1l rltritty 0 | rtirtt 20ll)
Trang 3NGAN IIANG'TMCP SAI GON.I{A NQI
Todn hdng
I Thu nhflp til ldi vd c6c kho6n thu nhflp fi'r'ong ttt'
- Trong do thu 16i dieu v5n
2 Chi phi l6i vd c6c chi phi tuong tq ldi
- Trong d6 chi ldi didu von
I Thu nhfip lii thuin
3 'l'hLt nhflp til hoat ddng dich vu
4 Chi ph( ho4t dQng dich vu
II Lai/16 thuen til ho4t ilQng dlch vg
Il'i Lail16 thuan tr)'ho4t dQng l<inh doanh ngo4i h6i
IV Lail16 thuAn til mua brin chri'ng khorin kinh doanh
V Lail16 thuen ti'mua brin chrlng kho6n dAu tu'
5 Thu nhflp tit'ho4t dQng kh6c
6 Chi phi ho4t dQng khdc
VI LeVl6 thuan ti| ho?t dQng khf c
VII Thu nhf,p tn'g6p v6n, mua c6 Phin
VIII Chi phi ho4t dQng
tx Lqli nhuf n thudn tt'ho4t ttQng kinh doanh tru'6'c chi phi
du' nhdng rrii ro lin dung
X Chi phi dg'Phdng riiiro tfn dung
Xt T6ng lg'i nhu$n tru6'c thu6
7 Chi phi thu6 TNDN hien hdnh t?m tinh
8 Chi phi thu6'INDN hodn lqi
XII Chi phf thu6 TNDN t4m tinh
N,,tO CAO'I'AI CIIiNII
-526,613,523,190
I 545.9 I 5 1 5 8,95 6 526,613,-523.190
61 4,5 I 0.002,621
39 243 ,691 5 | 4
11.948;71,1.421
21,294,923,087 52,187,023,844 75,299,235,683
0
12,t49,652,435 2,434,342.401
39,71 5,31 0,02u 46,936,406,0t)0 337.2tt9,960.5 | 6
512,952.9,10.'7 47 l0,1,669.1 15,l 55 408,283,lt2 5,592 90,33 6,854,898
I 4,3 97.990,-194 6,98(r.096,769
7 1I I ,893,625 26,022,892,589
( 1 ,1,1 67,588,000)
0
297.054,985.200 2.299.5-57,181 291,755,328,019 2,96"1,659,000
I90,536,008.8I4
28',7 250,911,147
r 7"890.291.965 269,360.6r 9,182 74,590.868.851
0 7,1,590,U6tt,851 l9,1.769.75tf ,33 I
Trang 4NGAN
0r
SI{B
HANG TMCP SAI GoN - HA NQI
BAOcAo LtIu CHUYEN TITN TE RItNG LE
1 5 5.8 77.605.421
486.4'.78.762.252
(4.856.7 00.7 82,7 7 6) 6,703,273,444,793
(490.701,223.1.t3)
07
Lgi nhuin truric thu6
Diiu chinh cho crigl<lpq1
KhAu hao tdi sdn c6 dinh
Du phdng rui ro tin dung, giam gid, tldu tu tdng th6m/hoin nhAp trong nam.
- Ldi vi phi phiii thu rstc ky (!!Uc !C !!U4 !!!)
- Ldi va phi phai tra trong klir (rhuc li chua tra)
- Lai 16 do thanh l! ciic khoan ttiu tu, gop ddi han vao dorr vi kh6c, lai/c6 tuc
qhdn duq'g lgi 4luanlqqc chia tu hqp d6ng 44' tu, g6p v6n d2ri h4n
Lai 16 do thanh l! TSCD
Ch€nh lech ty gi6 h6i do4 chua thuc hiQn
- Cdc tli€u chinh khdc
C thly q!ryq !1i sin vh cdng ns'ho4t tlQng
Nhfrrrg thay al6i vA tii sen ho4t tlQng
Tang, gidq ti6n vdng grii vd cho vay cfc TCTQlthac
Tdng, gi2un c6c khor! r4q c]qqgkhoiiLn kinh doanh
Tang gi6m cric 9Q!g rg1q4t chiq! ph6i sinh v?r cric TS tai ch!1h kllAc
Talg CL4q"39\!p.4 cho vay khdch hang
I'Eng girim l6i vd phi pheii thu
- Gizim, tang ngu6n du phdng bii dap $n {6t
'l-arrg giam khdc Le !3!ssn lrgEldqne
Nhirng thay cl6i v0 cdng nq ho4t ilQng
Tang, gyqn 9a \!94! llq,:!I4Lp!u uq ljgan hang Nhd nuoc
lang gidm cac k!ro41r9n gqry114y cac td chtrc tlt! dung
Fng giq- 14lgql cria \!6ch hang (bao g6m cri KBNN)
Ting girim cdc c6ng cu tdi ahinh phiii !l!h y4 q4S klg4ll nq tdi chinh k!4c
Tdng, girim v6n tdi tro, UTDT, cho vay TCTD chiu rui ro
- T[ng, gizim lai, phi phrii trd
vdo hoat ddng tdi chinh
Ting, gitun khric vC16qg 4qho4t {649
Luu chuy6n tidn thuAn tit ho4t rlQng kinh doanh truti-c ltrq6 t!g l!l!
llue I'NQN g4:tQp
Chi tu cAc qu! cua TCTD
!u'q chuy{n ti6n thuAn tii- hoAt 4Qng kinh doa4h
LU.T] CIITIYTN TI'N TiT HOAT DQNG DATI TU'
Mua sdm tai san c6 drnh
Tier tlrrltqihq4 lLqlueng_bfn rScD
l'idn thu tu ban thanh ly bAt dQng san diu tu
!)c4 chqrqlq beql!a'4li lat d0qg q1iut $qu tu
Ti0n chi dAu tu, g6p v6n v4o cric do{t vi kh6q
Trang 508
I4q:ht lqrllr g"p_lq!_,r.,io cac Cor vi kirac
Ti€n thu Ciiu tu soo r6n vao cac dor vi khac iOn thu tu cd tuc va liri nhuiin duoc chil tu cac khoiin cliu nr ,lop viin dai han
Luu chu.v6n tidn thuin tt hoat tl6ng itAu tu' LLI,U CHUYEN TItN TfTHOAT DONG TAI CHi\H
vtin cd phdn n: g6p v6n holc phrit hanh cd phi6u
grai/ to co gid ddi han di di6u kien tinh vdo vdn tu co
v?r c6c khoin v6n vav ddi han khdc chi tu ph6t hanh gidy to c6 gi6 ddi han du di6u ki€n tinh vdo von tu co cec klodn von var ddi han khdc
C6 tuc trd cho c6 nhudn tl5 chia
Ti6n chi ra mua cryhreffqut
i€n thu cluoc do ban c6 ohi
Luu chuv6n fidn thuin tir t clOne tiri chinh
i6n vi cric khoin tiAn tai thiri di6mdAu k vir c{c khoin tucns d ti6n tdn cu6i nim
487.515.896.361 5.900.285.529.062
I,r44,1r1,701)
6.387.80 1.125.123
Trang 6Ngfln hing Thucrng mai C6 phAn Sdi Gdn - Hd N6i
36 77 - frAn Hung D4o - Q.Hodn Kiem - Tp.ilA NOi - Vi6t Nam
BAN rrruYET MINH BAo cAo TAI crrixrr
Ndm 2009
1 Thdng tin vO ngdn hirng
Gifly ph6p hoat ddng 0041-NH/cp ngdy t 3 th6ng I I ndm 1993
ciSy phdp hoat d6ng do Ng6n hdng Nhd nu6.c Vi6t Nam cdp
Tldi.lur hoat cl6ng cira Ng6n hdng rd 40 ndm ki5 ti' ngdy c6p gi6y phdpddu ti6n
Iie I iing Quin tri 6ng D6 Quang Hi6n, Chrl tich
Ong Nguy6n Vdn L€, Thdnh vi6nOng Nguy6n Vdn Hii, Thdnh vi€nOng TrAn Ngoc Linh, Thdnh vi6nOng Phan Huy Chi, Thdnh vi6n
6ng TrAn Thoai, Thdnh vidnBan Tiing Gi6m tli5c Ong Nguy6n Vdn L€, T6ng GiSm cl6c (T6i b6 nhi6m lai ngdy 0g rh6ng 05
Sd 77 - TrAn Hung Dao - e.Hodn Ki6m - Tp.Hd N6i - Vi6t Nam
2 Eic di6m hoat d6ng cfra t6 chric tin dgng
Ngan hdng Thuong mai cd phAn Sdi don - Hd Ndi (du6'i d6y ggi tdt lir ,,Ngdn hdng,,) ld m6tngdn hdng thuong mai c6 phAn ViQt Nam thdnh lAp tai nu6c C6ng hda Xd h6i Cht nghia Vi6t Namv6'i thd'i gian hoat d6ng ld 40 nim theo 0041-NH/GP ngdy 13 th6ng I I nim 1993 ciaNgdn hdngNhd nu6'c Vi6t Nam V6n di€u 16 cta Ng6n hdng tai ngdy 3010912009 ld 2.000.000.000.0000 vND(Hai nghin ty cl6ng ViQt Nim).
Hdi so'chinh cira Ngdn hdng cluo-c ddt tai 56 77 - Trdn Hung Dao - e.Hodn Ki6m - .I.p.Hd N6i
- Vi6t Nam
laingdv 3l/12/2009, NgAn hdng c6 1341 nhdn vi€n ( Cu6inim 2008: 844 nh6n vi€n).
Trg s& chinh
Trang 7NgAn hing Thuong mai C6 phAn Sdi Gdn - Hn NQi
SO 77 - TrAn Hung Dqo - Q.Hodn Ki6m - Tp.Ha N6i - Vi0t Nam
T6m tit cdc chinh sich k6 torin chri yiiu
Chudn mgc vir ctrt5 O9 k6 tofn rip dgng
'
Ngdn hdng trinh bdy c6c b6o crio tdi chfnh bing ddng Vi€t Nam (VND) theo Ludt cric T6 chrjlcTin dung, Ludt sila OOi va b6 sung m6t s5 clidu trong LuAt c6c To chuc Tfn dung, cilc chu6n muc ki|torin Vi6t Nam vd He thdng K€ to6n cdc to ch[,c tfn dung Vi6t Nam
Kj b6o crio vi rlcrn vi ti6n tp
Kj'b6o ciio cria NgAn hdng U6t dAu til ngdy 0110112009 vd k6t thric vdo ngdy 3 t/l2l2009.Don
vi ti6n td sir dung rrong ghi chdp kti to6n ld d6ng Vi6t Nam (VND)
3 Nguy6n tic ghi nhfln c6c nghiQp vg bing ngo4i tQ vi quy d6i
Theo hd th6ng kti toan cria Ngdn hdng, t6t ci citc nghidp vu phiit sinh cria Ng6n hdng duoc hachtoiin theo nguy6n t€ Tai tho'i di6m cu6i nem, tdi sdn vd cdng no- c6 ngu6n g6c ngoai t€ duo'c quy d6isang VND theo ty gi6 quy clinh vdo ngdy l6p bing cAn OOi tti todn Cdc khoan thu nh6p vd chi phi
bing ngoai td cia Ngdn hdng duo-c hach torin bing VNE theo ty giavdo ngdy ph6t sinh th6ng quagido dich mua biin ngoai t6 ch€nh lQch t'i gi6 do ctrinh giri lai c6c tdi kho6n kinh doanh ngoai t6 duo-c hach toiin vdo b6o c6o K6t qua Hoat d6ng Kinh doanh vd lo-i nhudn ec tai ch6nh lcch ti giriph6t sinh do quy cl6i c:ic tdi sdn vd c6ng no- khiic bing ngoai td sang VND cluo-c xir ly vdo doanh s5
4 Chrlng kho:in dAu tu giir tt6n ngdy ttio h4n
Chri'ng khorin no- giff' ct6n ngay ddo han ld cilc chri'ng khoiin c6 kj,han cO dintr vd c6c khodn thanhtorin c6 clinh hodc c6 th6 xdc dinh duoc vd Ban Tdng Girim d6c c6 y dinh vd c6 kh6 ndng gifr,d6n
ngdy drlo han' Ngdn hdng dang ghi nhdn ciic chri'ng kho6n ndy theo giri g6c cdng l6i du thu trir liichd' phdn b6 Gi6 tri phu tr6i hodc chi6t kh6u (n€u c6) cfrng duo-c ph6n rinh vdo giii tri ghi so cuakhodn dAu tu LEi duoc du thu hodc phAn b6 theo phuong phrlp duong thing Chri'ng khoiin duo.cgifr'ddn khi d6o han sE duo-c xem xdt vd khi ndng gi6m giri Chf'ng khoiin duo.c ldp du phdng gi6mgi6 khi giri tri thi trudng nho ho'n gi6 tri ghis6 Du phdng giAm gi6 cluo-c ghi nhAn vdo b6o c6o kt5t quA hoat ddng kinh doanh
s Chring khofn ttiu tu sfrn sdrng aC nen
Chring kho6n dAu tu s8n sdng Oe Uan ld ciic chring khodn duoc gifi'trong thd.i gian kh6ng 6n dlnhtru6'c, c6 thd ttuo-c biin dg $ap ri'ng nhu cdu thanh khoin hodc d6 rlng ph6 v6'i tru'd.ng ho-p thay d6i
ldi su6t, ti giii, hodc giri tri chung khoiin NgAn hdng dang ghi nh6n ciic chirng kho6n ndy theo giiig6c c6ng ldi du thu trir ldi cho'phAn b6 Gi6 tri phu trdi ho6c chi6t kh6u (n6u c6) cfrng ctuo-c ph6n6nh vdo gi6 tri ghi so cua khoan cldu tu' Lii duo'c du thu hodc ph6n b6 theo phuo.ng ph6p ctud.ng
thing Ciic chf'ng kho6n ndy duo-c d6nh gi6 dinh kj,theo giii tri thi trud.ng vd du phong gi6m giri tri
Trang 8Ngf,n hdrng Thucrng m4i Cd phin Sdi Gdn - Hd NQi
SO 77 - Trin IJung Dao - Q.Hodn Ki6m - Tp.Hd N6i - Vi€t Nam
s6 duoc ldp khi gi6tri thi trudng nh6 hon gi6tri ghi s6 Du phdng giam giri duo-c ghi nh6n vdo biioc6o k6t qu6 hoat cl6ng kinh doanh
6.' Chf'ng khodn kinh doanh
Cr'ung khoiin kinh doanh ld chrlng khoiin ban dAu duo'c mua vd n6m gifi'cho muc dfch kinh doanh
trong ng6n han ho{c ndu Ban T6ng Girim ddc quy6t dinh nhu vdy Ngdn hdng clang ghi nhAn c6c
chfng khorin ndy theo gid gdc viro ngdry giao dich Trong c6c kj,ti6p theo, c6c ch6'ng kho6n ti6p tuc
cluo-c ghi nhdn theo giri g6c Tuy nhi6n, giri tri thi trud'ng cta ciic chri.ng kho6n vAn duo'c Ng6n hdngtheo d6i ec eann gi6 ve khd nang giAm giri khi giri tri thi trudng th6p hon giri g6c Ngoai trt trud.ngho'p khdng th6 x6c ctinh giri tri thi trud'ng mQt c6ch ch6c chin thi giri tri cfia chring duo-c tfnh duatr€n nguy€n giii sau khi tri'di t6n th6t u6'c tinh (ni5u c6) Lai hodc 16 tir kinh doanh chri,ne khoiinduo-c ghi nhdn tr6n biio cilo ktit qui hoat d6ng kinh doanh theo s6 thudn
Ciic khodn cho vay ngdn han co k! han du6'i I ndm; c6c khoin cho vay vd cho thu6 tdi chfnh trung
h4n c6 kj'han tir I ndm d6n 5 nim vd c6c khoAn cho vay vd cho thu€ tdi chinh ddi han c6 k.i hantrdn 5 ndm k6 tir ngdy gi6i ng6n
Vi6c ph6n loai no- vd lAp du phdng nii ro tfn dung duo-c thuc hi€n theo euyt5t dinh s6
493/20051QD-NHNN ngiry 22 thSng 4 ndm 2005 vd Quyt5t dinh sd t8t2007teD-NHNN ngity 25th6ng 4 ndm 2007 cta Th6ng tl6c Ngdn hdng Nhd nu6'c Vi6t Nam Cric khoAn cho vay duoc ohAnthdnh nim nh6m no- cdn cri vdo tinh hinh trd no vd c6c y6u td dinh tinh nhu sau:
C6c khodn no- qu:i han tu l0 ngdy d6n 90 ngdy;
r Ciic kho6n no- didu chinh kj,han trA no- Iin diu;
o Ciic khoin no- co c6u lai thd'i han tri no- trong han theo thdi han duo-c co,c6u lai
Nhdm 3; Nct dwyi tidu ih'ro,
o Cfrc kho6n no- qu6 han rir 9l d6n lg0 ngdy;
, ' Cfrc kho6n no- co cdu lai thoi han trdr no lAn cfdu, trir c6c kho6n no- didu chinh ki,han trA
no- l6n d6u phdn loai vdo nh6m 2;
Trang 9Ngffn hdrng Thuong m4i Cd phAn Sni Gdn - Hd Ndi
56 77 -'frAn Hung Dao - Q.Hoan Ki6m - Tp.Hd N6i - Viet Nam
C6c khoAn no- duo-c mi6n hodc gi6m l6i do khrich hdng khong du kha ndng rrd laidAy dntheo ho-p d6ng tfn dung:
It{hdm 4: Nct nghi ngd
o Cfrc khoAn no quii han tir l8l d5n 360 ngdy;
' ' Ciic khoin no- co'c6u lai tho'i han tr6 no'l6n dAu quii han du6i 90 ngdy theo thd.i hantrd no duo-c co'c6u lai lAn ddu;
Chc khoAn no co'c6u lai thd'i han tr6 ncr lAn thri hai;
Nhdm 5: Nq cd khd ndng mtit v6n
Citc khoin no quii han tr€n 360 ngdy;
Cftc khoan no co c6u lai thd'i han trA no- lAn ddu quri han tir' 90 ngdy tro l6n theo thdihan tri no'duo-c co'c6, lai l6n dAu;
' C6c khoin no- co' c5u lai thd'i han trA no' lAn thf' hai qu6 han theo thd'i han tr6 no- duo-c
- co'c5u lai lAn thri hai;
' Ciic khodn no- co c6u lai tho'i han tr6 no- lAn thf ba tro' l€n, ki5 cA chua bi quii hanhodc dd qu6 han;
Cic khoAn no- khoanh, no- chd'xu ly;
Theo Quyi5t dinh sO +SZ|ZOO5IQD-NHNN ngiry 22 thSng 4 ndm 2005 vd euytft dinh s6
I8/20071QD-NHNN ngiry 25 th6ng4 ndm2007, eOi vO'i ciic khodn no- quii han, t6 chfic tfn dungph6n loai lai vdo nh6m no c6 rii ro th6p hon khi Ngdn hdng d6nh gi6 ld c6 cfrt khd ndng thu h6i d5ychi cA g6c vd ldi; vd khrich hdng c6 tdi li6u, hd so chring minh c6c nguydn nhAn ldm kho6n no ndyquii han duo-c xil ly, kh6c phuc Ngan hdng chri dQng tr,r quy6t dinh phdn loai ciic khoan no- vdo ciicnh6m no- rilti ro cao ho'n tuong rlng v6'i mri'c d6 riri ro khi xhy ram6t trong c6c trudng ho.p sau dAy:
' Khi c6 nhirng di6n bi6n bdt l-o'i til tiic ddng ti6u cuc d6n m6i trudrre kinh doanh vir
lTnh vuc kinh doanht
o C6c chi ti6u tdi chinh cua kh6ch hdng hodc khd ndng tr6 no- cta kh6ch hdng bi su1,
giAm:
' Kh6ch hdng khdng cung cap cho Ngdn hdng ciic th6ng tin tdi chfnh kip thd.i, dAy du
vd chinh x6c cl€.Ngan hdng rlinh gi6 kh6 ndng tra no- cira kh6ch hdng
Trang 10Ngf,n hing Thucrng mai C6 phAn Sni Gdn - Hn NQi
56 77 - TlAn Hung Dao - Q.Hoan Kit5m - TP.Hd NOi - Viet Nam
Du phdng rrii ro tin dgng: Vi6c tinh du phong cu th€ duoc cin cf' tr€n cdc ty 16 6p dung cho
tilns nh6m no'nhu sau:
50
20%
50%
100%
8 Tdri sin cd itinh
Tdi san ct5 dinh cluo-c the hien theo nguy€n giri tru di kh6u hao lfry k6 Nguydn gi6 bao gdm todn
bd c6c chi phf md Ngdn hdng phAi bo ra cl6 c6 duo-c tdi sdn c6 dinh tinh <l6n tho'i cli€m clua tdi s6n d6viro trang thrii sin sdng sri'dung Tdi sin cd dinh duo'c tinh kh6u hao theo phuo'ng phdp dud'ng thang
cl6 tr* dAn nguy€n giri tai san trong sudt thdi gian hiru dung u6'c tfnh nhu sau:
, ^' '.;
- Nha cu'a, vdt ki€n trfc
-M6y m6c, thi6t bi
- Phuo-ng ti€n v6n t6i
- DUng cu quiln lf vd phAn mdm tin hoc
9 Ti6n vir cfc khoin tucrng tluong tidn
Trdn biio c:io luu chuy6n tidn t€, tidn vd cric khoin tuong duong tidrn bao g6m ti6n, kim loai quli
vd d6 quy, ti6n gui thanh torin tai Ngdn hdng Nhd nuoc Vi6t Nam, tidn gi,i kh6ng k! han vd co k!
han tai ciic ngdn hdng kh6c c6 thd'i han diio hgn khdng quri 3 th6ng kti trngdy gni
10 Cfc cdng cg tiri chinh phrii sinh
Cric c6ng cu tdi chfnh ph6i sinh cluo-c ghi nhdn tr€n bAng cdn a5i te toiln theo giri tri hop cl6ng vdongdy giao dich, vd sau d6.duo-c tl6nh gi6lai theo giritri ho-p l1i Lo-i nhudn hoac 15 khi c6c c6ng cutdi chinh phrii sinh duoc thuc hi6n cluo-c ghi nhdn trong bilo crio k6t qu6 hoat d6ng kinh doanh Loi
nhuAn hodc 16 chua thuc hi0n cluo-c ghi nhAn vdo kho6n muc ch€nh l€ch cLinh giri lai cdc c6ng cu tdichfnh plr6i sinh trdn bdng cdn AOi tt5 toiln vd duo'c k6t chuytln vdo k6t qui hoat d6ng kinh doanh virothd'idi€m cu5i ndm
Trang 11Ngin hirng Thuong m4i Cd phAn Sdri Gdn - Hn NQi
Sd 77 - Trin Hung D4o - Q.Hodn Kitim - TP.FIa NOi - ViCt Nam
11 Ghi nhfln thu nhflp/ chi phi lfli
NgAn hdng ghi nhdn thu nhdp til ldi vd chi phi 15i duo c ghi nhdn tr€n brio c6o k6t qua hoat cldngkinh doanh tr€n co' so'dg thu, du chi
12 Ghi nhfn thu nhflp tir phi vd hoa h6ng dich vg
NgAn hdng thu phi tir ciic dlch vu crng cdp cho khrich hhng Thu nh6p til phf c6 the chia thdnhc6c nh6m sau:
Ph[ tltu t* vipc cung ciip dlch vq trong mQt thdi gian nhiit ellnh: Phi thu til vi6ccung cdp dich vu trong mdt thd'i gian nh6t dinh <lugc du thu trong su6t thd'i gian cl6 Phi ndybao gdm phf qudn ly, phf nh4n riy thiic, hoa h6ng vd ciic phf li€n quan dtin cdp tin dung,quAn ly tdi sin, phi qu6n ly danh muc vd c6c chi phi qu6n l;f cfrng nhu phf tu v6n khdc
o Phi thu tir vipc cung clip dlch vq giao dlch: Phi ph6t sinh til vi6c ddm phdn vd thamgia ddm ph6n c6c giao dich cho mdt b€n th[' ba, vi du nhu ddn x6p vi€c tnuu
"6 phAn hodc
ciic lo4i chf'ng khoiin kh6c ho{c mua lai doanh nghiQp , duo c ghi nhAn khi hoirn t6t giao dichli6n quan Phi hoac m6t phAn cira kho6n phf ndy c6 li€n quan cl6n vi6c thqc hiQn m6t cdngvi6c nh6t dinh sE cluo-c ghi nhdn khi hodn t6t ctiiru ki6n tuong fng.
Trang 12Ngdn hirng Thuong mai Cd phAn Sdi Gdn - Hn NQi
56 77 - T'rAn Hung Dao - Q.Hodn Kitim - TP.Hd NOi - Viet Nam
13 Ti6n m{t, virng b4c, tl6 quy
Ti6rr mdt bdng VND
Tidn mdt bing ngoai t6
TOng
14 Ti6n gfri tai NgAn hdrng Nhi nu6c
Ti€n gf i thanh toiln tai NHNN
-.1r ren gul Knac
- sang ngoal re, vang
Tidn, virng gfri c6 kj, hqn
- Bing VND
- Bang ngoai t6, vdrng
T6ng
31^2t2009VND
31t12t2008VND
920,131,576,609 2t6,116,747,098
920,131,576,609 216,116,747,0gg
31^2/2009VND
31i1212008
VND
87,659,416,009 9,066,074,049
78,592,34t,960 6,236,015,649,736 5,635,448,t49,736
600,567,500,000
34,698,032,363 6,120,404,377
28,s77,627,986
2,911,277,000,000 1,902,800,000,000 I,008,477,000,000 6,323,67 4,065,745 2,945,975,032,363