Báo cáo tài chính riêng lẻ quý 2 năm 2019 - Ngân hàng Thương mại Cổ phần Sài Gòn - Hà Nội

Báo cáo tài chính riêng lẻ quý 2 năm 2019 - Ngân hàng Thương mại Cổ phần Sài Gòn - Hà Nội tập hợp các báo cáo thể hiện các nghiệp vụ kinh tế phát sinh, phản ánh thông tin về tình hình tài chính - kinh doanh của doanh nghiệp trong một kỳ kế toán quý 22 năm 2019, mời các bạn cùng tham khảo.

Bao cao tai chinh rieng IE ST4B Quy 11 nam 2019 NGAN HANG THICONG MAI CO PHAN SAI CON - HA NOl Mau s6: Q-01 a 77 Tran Hung Dan - Quan Hoan Kiev) - Ha NO Fax 04.39410942 Tel 04.39423388 TD - BANG CAN DOI Kt TOAN Chi tieu Ma chi tier Thuyet minh Dan vi tinh: Trilm citing S6 cuOi ky SO dau nam A TAI SAN Tien mat, yang bac, da quY II Tien girl tai NHNN 110 120 III Tien, yang girl tai cac TCTD khac va cho vay cac TCTD khac 130 Tien, vang gai tai cac TCTD khac 131 Cho vay cac TCTD khac 132 Dv phong rui ro tien gvi va tien vay cac TCTD khac 139 IV Chang khan kinh doanh 140 Chang khoan kinh doanh 141 Du phOng giam gia chang khoan kinh doanh 149 Cic cling cu Eli chinh phai sinh va cac Eli san Eli chinh khac 150 VI Cho vay 'Mach hang Cho vay khach hang Dv phOng nit ro cho vay khach hang VII Chang khoan tir 1,769,231 1,826,756 16 5,726,504 3,187,062 17 28,219,428 34,127,477 28,219,428 34,127,477 15 22 101,182 58,228 160 226,914,275 205,713,823 161 229,863,713 208,500,081 169 18 19 20 (2,949,438) (2,786,258) 44,379,638 48,026,925 171 22,212,117 25,193,006 24,761,1 170 21 — 60270 I Chang khoan dau to san sang de ban Chang khoan dau to gii den dao han 172 24,122,393 Dv phong giam gia chang khoan dau hr 179 (1,954,872) (1,9 210 4,066,002 VGAN H 3,877,309 hitk11 VIII GOp vein, dau tir dai han I Day to vao ding ty 211 Vert gap lien doanh 212 Dau to vac) ding ty hen ket 213 Dau to dai han khac 214 Dv phong giam gia du to dai han 219 LX Tai sin di dinh Tai san cii Binh bib hinh 221 a Nguyen gia TSCD him hinh 222 b Hao mon TSCD hiru hinh 223 Tar san a Nguyen gib TSCD 225 b Hao man TSCD 226 Tai san ce dinh vo hinh 227 a Nguyen gia TSCD vo hinh 228 b Hao man TSCD va hinh 229 X Bat (Icing salt dau tir 240 a Nguyen gia BDSDT 241 b Hao mon BDSDT XI Tai san CO khic Cac khan phai thu (5,057) 24 20 (5,98 4,752,185 4,749,668 445,968 443,030 1,085,282 1,060,857 (639,314) (617,827) 224 25 4,306,217 4,306,638 4,552,620 4,532,245 (246,403) (225,607) 241 250 26 22,796,516 19,924,446 251 9,699,630 7,278,608 9,677,746 9,088,452 4,206,805 4,201,035 Cac khoan tai, phi phai thu 252 Tai san thue TNDN hoan lai 253 Tai san CO khac 254 Cac khoan du phOng rui ro cho cac tai san CO not bang khac 259 TONG TA1 SAN CO 193,750 220 c6 dish thue tai chinh 23 300 (787,665) 338,724,961 (643,649) 321,678,413 Ma chi tieu Chi tieu Thuyet minh SO au lam So cu6i kj, B NO PHAI IRA VA VON CHU SO Kit 2,782,863 12,096,858 43,280,780 44,453,829 321 24,705,179 30,872,223 Vay cac TCTD khac III Tien gui cua khich hang Cac ding en tai chinh phai sinh va cac khan no tai chinh khac 322 330 340 28 18,575,601 243,387,631 224,137,587 350 29 1,782,903 1,473,711 \'6n tai tro, uy thac (Ian hr, cho vay ma TCTD phai chit, roi ro Cac khoan no' Chinh phu va NHNN 310 II Tien girl va vay cua cac TCTD khac Tien giri cua cac TCTD khac 320 I 27 13,581,606 VI Phat hanh giAy to co git VII Cac !choir] Nq khic 360 30 23,085,506 17,071,736 370 31 7,074,322 6,295,419 371 5,310,165 Cic khoan Ili, phi phai tra 6,656,989 Thue TNDN hoan lai phai tra 372 373 985,254 Cac khoan phai tra va cong no khac 417,333 Dv phong rni ro khic TOng Nq phai tra 379 400 321,394,005 305,529,140 500 17,330,956 16,149,273 410 12,132,617 12,132,617 411 12,036,161 12,036,161 101,716 101,716 VIII Vim va cac quji Vo'n cua TCTD a Von dieu 16 b Von clau IWXDCB ThOng du van co phcin c 32 412 413 (5,260) (5,260) 414 Co pili"'eu quj7 e Co phi Eu uu dai g Van khcic Quy cna TCTD Chenh lech ty gia h6i doai Chenh lech danh gut lai tai san d 415 416 1,490,571 1,437,035 450 700 3,707,768 2,579,621 800 338,724,961 420 430 440 Lqi nhuan chua phan ph6i VIII LM ich cua c6 Ong thieu so TONG NO PHAI TRA VA VON CIHJ SO HOIJ 321,6 'NG CAC CHI TIEU NGOAI BANG Bao lanh vay von Cam ket nghiep vv L/C 71,373,707 16,858 912 24,202,465 14,11 47,154,384 49 913 Bao lanh khac Lap bieu 911 910 Nghia nq tiem an ?,002786 - Kt Toan Trtro•n54, - 63,44 Ph6 T.Giam D N AN HANG thong nam 2019 0.1r • g Giam 116c THU NG WO CO SAI ON.HANOI Di) Muni' Phuling Nth Thi Van NO Thu Ha i'itirfn rein cTS • /7;,4 S BA° cao tai chink rieng le Quy II nam 2019 HB Mau so: Q-02a NGAN HANG TMCP SAI GON - HA NQI 77 Tran Bung Dao - Quan Hoan Ki6m - Ha Not Fax 04.39410942 Tel 04.39423388 TD - BAO CAO KET QUA HOAT KING KINH DOANH - Q15 Don vi tinh: TriO4(1Jn Luy ke to (Ian nam den cuoi Quy II Quy II 11h chi tieu Thuyet minh Chi lieu Thu nhap t6 lai va cac khoan thu nhap tuong I to 01 33 6,596,398 5,104,055 Chi phi lai va cac chi phi Mang to lai 02 (5,023,072) (4,103,778) I Thu nhap 'Ai thuan 03 1,573,326 1,000,277 04 184,717 51,474 05 (21,456) 163,261 Thu nhap tit hoat (hang dich vu Chi phi hoat (hang dich vu II III IV 06 Lai/18 thuin tit hoat Ong dich vu Lai/I8 thuan hoat &Ong kinh doanh ngoai hoi Lai/I8 thuan tir mua ban cluing khoin kinh doanh 34 35 19,275 07 Nam 2018 Nam 2019 Nam 2018 Nam 2019 9,924,716 12,133,222 (7,965,021) (9,388,476) 2,744,746 1,959,695 310,054 127,904 (19,257) (44,952) (47,379) 32,217 265,102 80,525 (11,161) 33,024 16,122 236,048 42,561 264,433 23,492 36,386 32,020 14,806 59,930 (3,353) (3,353) 08 Lai/lO Oman fir mua ban ching khoan rlAu ttr 09 11,706 VI Lai/I8 [titian to hoat Ong khic 12 18,239 VII Thu nhap to gop von, mua co phAn 13 VIII Chi phi hoat &Ong 14 IX Lqi nhua'n than to hoat dung kinh doanh trtrot chi phi du phong rut ro tin dung 15 Hoan nhlip/(Chi phi) dy phong rut ro tin dung 16 (285,939) (204,952) (285,939) (256,604) X 756,959 1,440,705 (276,155) (172,486) (276,155) (172,486) V 36 (742,909) 1,042,898 (635,377) (1,230,407) 656,949 1,726,644 1,133,841 XI TOng lyi nhua'n truirc thue Chi phi thug TNDN hian hanh tam tinh Chi phi thue TNDN hoan Iai 17 18 19 (151,392) 451,997 (87,438) XII Chi phi thue TNDN tam tinh 20 (151,392) (87,438) XIII Lyi_nhu'an_s_au thue 21 XIV Lqi ich XV Lai co' ban tren to phieu CUR c6 deing thieu so LUp bieu 605,567 877,237 704,751 1,164,550_ 364,559 22 23 (hang Fool Ke loan Truong/4/ P.TOng Giam dik NGAN HANG co -o THUONG MttICeiPHA co' SAI GetHih Nal 4, Ngo Thi Van Ngo Thu Ha Om 2019 ling Giam dOc * DJ Thank Phtroug 14,806 (1,455,105) +1" A'/ M Ban cao tai chinh ring le QuY II nam 2019 NIL! so: Q-03a SHB Solid partners flexible solutions NGAN HANG TMCP SAI GON - HA NOI 77 Trnn Hung Dao - Quail Hoan Kiem - HI NOi Fax: 04.39410942 Tel: 04.39423388 TD - BAO CAO LU'U CHUYEN TIEN TE - PPTT - QUY IDVT: Triu Ong Chi tieu Ma chi Thuye tiEu t minh nam den cuOi quy L ly ke t& Nam 2018 Nam 2019 I L1111 CHUYEN TIEN Tij HOAT HONG KINH DOANH 01 12,267,986 8,357,746 02 (8,154,885) (6,813,782) 03 Thu nhap tir boat do, dick vu nhan durgc Chenh lech sit, tien tic thu/thuc chi tir hoat dOng kinh doanh chirng khoan, 04 yang bac, ngoai to 05 Thu nhap khic Tith thu cac kholn ng da dugc xir IS, xod, NI dip bang nguiin di,r phong rilii 06 ro 07 Tien chi tra cho nhan vien va boat dOng quan 1V, cong V11 (*) 08 Tien thue thu nhap thoc Op kj, (") Lun chuyen tien thuan tir hoat king kinh doanh 'runt nhirng thay dOi 09 183,628 77,895 (426,114) 251,030 52,429 12,038 24,954 19,982 (1,405,376) (1,175,131) (306,326) (222,301) 2,236,296 507,477 Thu nhap Ili va cac khoan thu nhap tin:mg tu nhlri ducc Chi phi Ili VI cac chi phi bung to dl tra NGAN Hi ve tai san va von Inn dEng NW:mg duty &it ye' tai san hog( Ong (Tang)/Giim cac khoan tien, yang giri va cho vay cac TCTD khac THICONG41C 4,654,0 10 SAI GON-11 (4,860,243 10 (Tang)/Giam Lc khoin ve kinh doanh chimg khoan 11 3,619,635 12 (42,954) 134,896 11 (Tang)/Giam Lc ding cu tai chinh phai sinh va Lc tai sari tai chinh khac 13 (21,363,632) (9,245,482) (Tarig)/Giarn nguon dg phong de bii dap ton that cac khoan (tin dung, 14 chimg khoan, dau to dai han) 15 14 (Tang)/Giam khac ye tai san boat dgng (102,182) (16,488) (2,251,708) 2,857,590 12 (Tang)/Giarn Lc khoan cho vay Idrach hang 13 Nhirng thay ve' cling no hoot Ong 16 (9,313,995) 143,076 17 (1,173,048) (12,070,708) 18 19,250,044 24,695,703 Tang/(Giam) phai hanh gray to' co gia (ngoai tni gray to co gia phat hanh 19 disgc tinh vao boat clEng tai chinh) 6,013,770 2,195,471 20 309,192 256,993 15 Tang/(Giam) cac khoan ng Chinh phi) va NHNN 16 Tang/(Giam) Lc khoan tien gin, tien vay Lc TCTD 17 Tang/(Giam) tien gin cila khach hang (bao Om ca KBNN) 19 Tang/(Giam) von tai trg, uy that diu ar, cho vay ma TCTD chin rni ro Tang/(Giam) Lc ding cu tai chinh phai sinh va Lc khoan ng tai chinh 21 khac 22 21 Tang/(Giam) khac ve cong ng hoat ding 23 22 Chi tir cac quji La TCTD (*) 24 Lun chuyen tien thuan tir hoar dEng kinh doanh 42,409 20 (565,220) 177,904 (3,383,802) 9,472,604 25 (52,662) (84,210) 26 1,285 421 (118) (185) II LISU CHUI'EN TIEN Tir HOAT HONG DAU Tv Mua sam tai san cg ditch Tien thu tir 1Y, nhugng ban TSCD Tien chi tir ly, among ban TSCD (*) Mua sam bat &Ong san din tg (*) Tien thu tir ban, ly bat dOng san dau hr Tien chi ban, ly bat dgng san dau to (*) 02;; 27 28 29 30 irlEm Ma chi Thuye Loy ke tit du nam den cu6i quj, 11 Chi tieu Win t mink Nam 2018 Nam 2019 g6p von vao cac don vi khac 31 Tien thu clan tu, g6p von vao cac don vi khac 32 8,000 Tien thu co tdc va 1M nhuan do6c chia cac khoin dau tu, gop von dai 33 han 34 Lou chuyen fien thuAn to host Ong dau tus 1,250 14,806 (42,245) (69,168) (85) (457) 41 (85) (457) IA' Lou chuyen tien thuAn ky 42 (3,426,132) 9,402,979 V Tien va cac khoan twang duong tien tai thei diem dau ky 43 39,141,295 36,591,834 35,715,163 45,994,813 Tien chi au Ill LUU CHUYEN TIEN TUT HOAT DC/NG TAI CHINH 35 I Tang von co phan to g6p von vaMoac Oat hash co phieu Tien thu Or phat hanh giAy to co gia dai hats co du dieu kien tinh vac) von to 36 co va cac khoan von vay dai han khac Tien chi toan gily to co gia (Jai han co flu dieu kien tinh vao von hr 37 co va cac khoan von vay dai han khac 38 Co tirc tra cho co d6ng,16i nhuan da chia (*) 39 Tien chi mua co phieu ngan quji (*) 40 Tien thu dimc ban c6 phieu ngan guy Lou chuyen tien thuan to hoat dOng tai chinh VI Dieu chinh anh holing cua thay gia VII Tien va cac khoan Prong duong tien tai thoi diem cu6i ky 44 45 ?Tay %hang nam 2019 oN, Lap bieu Li Kt than truil,./ g Giam dOc PhO T.Gi NGAN HANG TaING Al G Do Mann nutting Ngo Thj Viin • NC; NOI NO Thu ,/ilitecyc7n -' /6i Lee THUYET MINH BAO CAO TAI CHINH RIENG LE Cho giai cloan tir 01 thang 01 nam 2019 cljn 30 thang 06 nam 2019 SHB Ngan hang TMCP Sai Got' - Ha NOi THUYET MINH BAO CAO TAI CHiNH RIENG LE Q1A7 II NAM 2019 Thing tin lit ngfin hang Giiy phep boat d6ng 0041-NH/GP ngdy 13 thong 11 nam 1993 Giay phep hoot clang Ngan hang Mid nu6c Viet Nam cap Thai han hog Ong cua Ngan hang la 40 nam ke tit cap giay phep clau tien 116i ding Quin tri Ong Da Quang Hien Ong Vo Mk Tien Ong Nguy'n Van Le Ong Thai Quac Minh Ong Do Quang Huy Ong Pham Cong Doan Ong Trinh Thanh Hai Ban kitm soot Chu tich Pho chn tich Thanh vien Thanh vien Thanh vien Thanh vien Thanh vien clac lap Tai be) nhiem 27 thong 04 nam 2017 Tai bo nhiem 27 thong 04 nam 2017 Tai b'a nhiem 27 thong 04 nom 2017 Bo nhiem ngdY 27 thong 04 nam 2017 Tai bo nhiem 27 thong 04 nam 2017 Ba nhiem 27 thong 04 nam 2017 Bo nhiem 23 thong 04 nam 2018 Ong Pham H6a Binh Ong Nguy6n Ht-ru Dirc BA NguyL Thi Hoat Ba Le Thanh Cam Ba Pham Thi Bich Hang Thanh vien Thank vien Thanh vien Thanh vien Thanh vien Tai bo nhiem 27 thong 04 nam 2017 Tai nhiem 27 thong 04 nam 2017 Tai 1)6' nhiem 27 thong 04 nom 2017 Bo nhiem 27 thong 04 nam 2017 Ba nhiem 27 thong 04 nam 2017 Ban TOng Giant d6c vi Ke town truing Tai -ha nhiem 21 thong nam 2014 Tong Giam doc Ong Nguyen Van Le BO' nhiem 10 thong nam 2009 Ph6 Tong Giam dac Ong Le Dang Khoa Ba nhiem 18 thong 02 nam 2013 Pho Tang Giam dac Ong NguyL Huy Tai Ba nhiem 15 thong nom 2011 Pho Tang Giam d'ac BA NO Thu Ha Bo nhiem 08 thong 06 nam 2012 Pho Tang Giam disc Ba Ninh Thi Lan Plnrcrng Ba nhiem thong 10 nam 2012 Ph6 Tong Giam clac BA Dang TO Loan Bo nhiem 15 thong 01 nam 2019 Ph6 Tang Giam dac BA Hoang Thi Mai Thao Bo nhiem ngdy 11 thing 11 nam 2014 Ke toan twang BaNgo Thi Van sa 77 - Tran Hung Dao - Q.Hoan Kiem - TP.HA Nai - Viet Nam Try so chinh SHB Ngan hang TMCP Sai Gan — Ha NOi I/4c diem host de'ng dm to clinic tin dung Ngan hang Thuong mai Co phan Sai Gen - Ha N6i (dudi day goi tat IA "Ngan hang") la mot ngan hang thuong mai c6 phan Viet Nam lap tai nuoc C6ng hoa Xah6i Chit nghia Viet Nam voi thai gian hoat clang IA 40 nam theo 004I-NH/GP 13 thang 11 nam 1993 dm Ngan hang Nha nuo•c Viet Nam.V6n dieu le dm Ngan hang tai ngdy 30/06/2019 la 12.036.161 trieu d6ng (Muni hai nghin khong tram ba mtrai sau tS7 mot tram sau muoi mot trieu deng) H6i sa chinh cua Ngan hang dal tai S6 77 - Tran Hung Dao - Q.Hoan Kiem - Ha N6i - Viet Nam Tai 30/06/2019 Ngan hang c6 nhan vien 5.471 (31/12/2018: 5.506 nhan vien) Tom tat cac chinh sich ke toan chil yeti Chuan mu•c va the de ke toan Ai) dung Ngan hang trinh bay cac bao cao tai chinh theo Luat cac To chirc Tin dung, Luat sira doi va b6 sung met s6 dieu Luat cac T6 chic Tin dung, cac chuan mgc ke Wan Viet Nam va He th6ng Ke toan cac to chirc tin dung Viet Nam Ky bao cao va don vi tien te KS/ bao cao cua Ngan hang bat dau tir 01/01/2019 va ket thiic vao ngdy 30/06/2019 Don vi tien te sir dung ghi chep ke toan la d'6ng Viet Nam (VND) Tuy nhien, theo quy dinh tai Th6ng tu 49/2014/TT-NHNN 31/12/2014 cita Ngan hang Nha niroc, cac s6 lieu tren Bao cao tai chinh &roc lam trot.' den hang trieu va trinh bay theo don vi trieu ding Viet Nam Nguyen tac ghi nhan cac nghiep vu bang ngoai to va quy doi Theo N thong ke toan cua Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang &roc hach toan theo nguyen te Tai thai diem du6i ham, tai san va cong no c6 nguen g6c ngoai to &roc quy d6i sang VND theo ty gia quy dinh vao lap bang can d6i ke toan Cac khoan thu nhap va chi phi bang ngoai to cua Ngan hang throe hach toan bang VND theo tY gia vao phat sinh th6ng qua giao dich mua ban ngoai te Chenh lech ty gia clanh gia lai cac tai khoan kinh doanh ngoai te lai Chenh lech ty gia &roc hach toan vao bao cao Ket qua Hoat d6ng Kinh doanh va Igi nhuan phat sinh quy d6i cac tai san va ding no khac bang ngoai te sang VND ducyc xir ly vao doanh s6 cita cac khoan muc tucmg Ung tren bang can doi ke toan vao lap bao cao tai chinh a Chirng khoin dau tir gifir den dao han Chimg khoan no gift den dao han la cac chimg khoan c6 ky han c6 dinh va cac khoan thank toan c6 Binh hoac c6 the xac Binh duct va Ban T6ng Giam d6c coy dinh va c6 kha nang giir den dao han Ngan hang dang ghi nhan cac chimg khoan theo gia g6c cong lai du thu trir lai chef phan b6 Gia tri phi tr6i hoac chi& khau (neu Ca) ding duoc phan anh vao gia tri ghi s6 cUa khoan dau tu Lai dugc du thu hoac phan b6 theo phuong phap duang thang Ching khoan &roc Oa den dao han se duac xem xet ve kha nang giam gia Ching khoan duoc lap du ph6ng giam gia gia tri thi truang nhO lion gia tri ghi s6 Du phong giam gia clucyc ghi nhan vao bao cao ket qua hoat d6ng kinh doanh SIIB Ngan hang TMCP Sal Gen —HA Ni Cluing khoan (Ian tu' san sang de ban Chimg khoan dau tu sin sang de ban la cac chirng khoan dtrac giir thai gian khOng An dap img nhu cau khoan hoac de img v6i truong hop thay dinh truac, c6 the dugc ban a dei lai suat, ti gia, hoac gia tri chimg khoan Ngan hang clang ghi nhan cac chimg khoan theo gia gec cong 151 du thu trir lai cho phan bo Gia tri phu tri hoac chiet khau (neu co) cling dugc phan anh vao gia tri ghi so cita khoan d'au tu Lai dugc du thu hoac phan bo theo phuang phap duemg thang Cac chimg khoan dugc danh gia dinh ky theo gia tri thi truang va du ph6ng giam gia tri se dugc lap gia tri thi twang nho han gia tri ghi so Du phong giam gia dugc ghi nhan vao bao cao ket qua hoat deng kinh doanh Chtimg khoin kinh doanh Chirng khoan kinh doanh la chirng khoan ban dan &lac mua va nam gift cho muc dich kinh doanh ngan han hoac neu Ban Tong Giam dee quyat Binh nhu vay Ngan hang dang ghi nhan cac chUng khoan theo gia gec vao giao dich Trong cac ky tiep theo, the clning khoan tiep tuc dugc ghi nhan theo gia gec Tuy nhien, gia tri thi truang cua cac chi:mg khoan van dugc Ngan hang theo dei de danh gia v6' kha nang giam gia gia tri thi truang thap han gia gee Ngoai trir truang hap khong the xac dinh gia tri thi twang met cach chac chan thi gia tri cUa chUng dugc tinh dua tren nguyen gia sau trir di ten that uac tinh (neu co) Lai hoac to tir kinh doanh chUng khoan dugc ghi nhan tren bao cao ket qua hoat clOng kinh doanh theo g16 thuAn Cac khoin cho vay va timg triarc khich hang Cac khoan cho vay va irng truOc khach hang dugc cong bo va trinh bay theo so du ng goc tai thai diem cuei ky ke toan Dkr phong rui ro tin dung Cac khoan cho vay khach hang dugc phan loai theo Thong tu se 02/2013/TT-NHNN 21 thang 01 nam 2013 va Thong tu so 09/2014/TT-NHNN 18 thang 03 nam 2014 ena Ngan hang nha nu& ve viec phan loai ng, trich lap va sir dung du phong de xu lY rai ro tin dung hoat clOng ngan hang dm to chirc tin dung voi cac mirc de rui ro nhu sau: Na du tieu chuan, Ng can chn Y, Na duai tieu chuan, Na nghi nga va Na c6 kha nang mat yen clua van tinh tang qua han va cac yeu to dinh luting khac cua khoan cho vay Cac khoan ng dugc phan loai Id Na duoi tieu chuan, Na nghi ng6 va Na c6 kha nang mat yen dugc coi la ng xau SHB i Ngin hang TMCP Sai Gen — Ha Ni - Du phong cu the Dg phOng cu the dtrgc trich lap tren tin ro tin dung thuan cua cac khoan cho vay theo tY le taang mg voi timg nhom nhu sau: Nhom Ty M tiv phongcy t ie Loai 0% Na du tieu chuan Na can chit Y Na dugi tieu chuan 20% Ng nghi nga 50% Na co kha Jiang mat van 100% 5% Rui ro tin dung thuan cita cac khoan cho vay khach hang dugc tinh bang gia tri lai cita cac khoan cho vay trir gia tri cita tai san dam bao da dugc chiet khau theo cac ty le theo quy dinh thong to so 02/2013/TT-MINN, th6ng to so 09/2014/TT-NHNN - Du phong chung Ngan hang that hien trich lap va day tri du phong chung bang 0.7% tang gia tri cac khoan ng dugc plan loci tir nhom den nhom 4, trir cac khoan tien giri tai to chic tin dung ntrac, chi nhanh ngan hang nu& ngoai tai Via Nam theo quy dinh cua phap '1114, tien giri tai to chic tin dung nuac ngoai va cac khoan cho vay, mua c6 ky han gidy to c6 gia doi vbi to chic tin dung, chi nhanh ngan hang mak ngoai khac tai Via Nam Dg phong rui ro tin dung tai Campuchia, Lao ap dung theo quy dinh hien hanh cua NHNN Campuchia, Lao kY bao cao tuang Mtg 10 Tai san co dinh Tai san ca dinh dugc the hien theo nguyen gia trir di khau hao lay ke Nguyen gia bao gam toan ba cac chi phi ma Ngan hang phai b6 a co dugc tai san ca dinh tinh den thai diem dua tai san dO vao trang thai san sang sir dung Tai san ca dinh dugc tinh khau hao theo phuong phap duang thang de trir clan nguyen gia tai san su6t thai gian him dung trac tinh nhu sau: - Nha cira, vat kien triic 25 nam - May moc, thiet bi 03 - 05 nam SHB Ngan hang TMCP Sai Gen - Ha NOi 23 Tai san c6 dinh hum hinh: - Tang, giam tai san co dinh hiru hinh Icy nay: Don vi tinh: tritc clang Khoan muc Nguyen gia S6 dtr dau ky S6 tang ky - 11/lua k; - Tang khac S6 giant k)' - Thanh hi, nhtrang ban - Giant khac S6 dtr cu6i ky Gia tri hao mon 1115i ke S6 du' (Ian kj! S6 tang ky - Khilu hao Icjt - Tang khac S6-giam ky - Thanh 15', nhtrang ban - Giant khac SO dtr rail ky Gia tri lai dm TSCD Tai du ky Ti cu6i kj, Nha caa, vat kin true May Ink, thief bi Phuang van tai, truyen dan 351,282 20,188 20,188 219,176 7,958 7,958 (95,171) ,483) (93,688) 276,299 (17,261) (3,082) (14,179) 209,873 278,516 8,694 8,694 141,977 8,828 8,828 136,978 (66,577) (1,483) (65,094) 220,633 (12,238)(3,035) (9,203) 138,567 272,771 283,591 72,766 55,666 370,178 52,254 13,036 39,218 (1,863) 0,863) 420,569 97,407 41,362 13,106 28,256 (1,791) (1,791) 77,199 71,306 Dung cu quail ly Tai san c6 dinh khac COng 37,582 1,366 1,366 1,060,857 174,270 43,216 131,054 (149,845) (7,690) (142,155) 1,085,282 82,639 92,504 668 91,836 (781) (781) 174,362 (34,769) (481) (34,288) 4,179 140,818 (19,348) (481) (18,867) 2,318 617,827 122,222 40,170 82,052 (100, 735) (7,571) (93,164) 639,314 4,059 33,544 16,235 1,861 443,030 445,968 78,580 63,019 9,223 53,796 (781) (781) 21,347 319 319 13 SHB Ngan hang TMCP Sai Gen - HA Nei - Tang, giam tai sin co dinh Mitt hinh kj, &trot: Nha cfra, vat kin true May mac, thiet bi P narng tien van truyen dan 338,052 309,735 200,232 85,672 - Tang nam - Thanh lji, nhteang ban 34,390 (2,264) 42,464 (917) 26,035 (7,091) Se dur cad nam Gia tri hao men luy ke SO du• dal' nam - Kliciu hao nom 370,178 351,282 80,513 Khoan muc Nguyen gia So du dau nam - Thanhlji, nhurng ban SO du cuei nam Gia tri dm lai dm TSCD Tai dau nam Tai cutoi nam Dung cu gnat' • • san Binh khac Cong 26,856 960,547 2,856 (5,889) 12,574 (1,848) 118,319 (18,009) 219,176 82,639 37,582 1,060,857 244,822 131,104 81,074 18,715 556,228 18,800 (1,906) 34,610 (916) 17,781 (6,908) 2,859 (5,353) 4,465 (1,833) 78,515 (16,916) 97,407 278,516 141,977 78,580 21,347 617,827 257,539 272,771 64,913 72,766 69,128 77,199 4,598 4,059 8,141 16,235 404,319 443,030 14 SHB Ngfin hang TMCP Sai Gan - Ha NOi 24 Tai san di dinh vo hinh - Tang, giim tai san co dinh vo hinh ky nay: Khoin muc Nguyen gia S6 dir dau S6 tang ky - Mua ky - Tang khac S6 giam ky - Gthin kithc S6 du cu6i ky Gia tri hao men luy ke S6 dtr dau ky S6 tang k - KIth'u hao kJ' - Tang khac S6 giam ky - Giam khac 56 thr cu6i kji Gia tri lui Tai dau Tai cuoi ky Quyen dung Phan mem vi tinh dat 4,281,049 213,824 37,685 9,446 28,239 4,281,049 251,509 5,963 78 78 194,140 34,663 9,294 25,369 6,041 4,275,086 4,275,008 Don vi tinh triu clang TSCD C(ing vo hinh khac 37,372 (17,310) (17,310) 20,062 4,532,245 37,685 9,446 28,239 (17,310) (17,310) 4,552,620 228,803 (14,440) (14,440) 11,559 225,607 35,236 9,867 25,369 (14,440) (14,440) 246,403 19,684 22,706 11,868 8,503 4,306,638 4,306,217 25,504 495 495 Tang, giim tai san co dinh vo hinh 14 trtrerc Khoin muc Nguyen ‘gia SO dtr dau nam - Tang nam - Thanh ly, nhulcmg ban SO dtr cuOi dam Gia tri hao mon 1u5k ke SO dtr dau nam - Khali hao ?lam - Thanh ly, nincong ban SO du cuOi nam Gia tri lui Tai dau nam Tai cu(ii nam Quyen sir dung Phan mem vi tinh dat Tai san co dinh vo hinh khac ging 3,486,801 795,166 (918) 4,281,049 206,354 10,226 (2,756) 213,824 33,110 4,262 37,372 3,726,265 809,654 (3,674) 4,532,245 5,805 158 5,963 172,714 23,135 (1,709) 194,140 21,090 4,414 25,504 199,609 27,707 (I ,709) 225,607 3,480,996 4,275,086 33,640 19,684 12,020 11,868 3,526,656 4,306,638 15 SHB Ngan hang TMCP Sai Gen — Ha NOi 25 Tai san Co khac 30/06/2019 31/12/2018 Trieu clang Triu long 9,677,746 9,088,452 9,699,630 7,278,608 38,702 279,046 9,660,928 6,999,562 Trong do: Phai thu ben ngoai lien quan thy tin dung trci cluim 8,686,180 6,089,972 Dv phong rid ro cho cac tai san Co khac (787,665) (643,649) 4,206,805 4,201,035 22,796,516 19,924,446 Cac khoan lai, phi phai thu Cac khoan phai thu - Cac khoan phai thu n6i b6 - Cac khoan phai thu ben ngoai Tai san Co khac 26 Tien, yang girl va vay cia cac to chin tin dung khac - Tien, yang gui cua cac to chiic tin ding khac 30/06/2019 31/12/2018 Trieu cljng Trieu clang Tien, yang girl khong kj' On 16,224,007 21,855,670 - Bang VND - Bang yang \TA ngoai to 16,159,270 64,737 21,708,816 146,854 Tien, yang geri c6 han 8,481,172 9,016,553 - Bang VND - Bang yang ya ngoai t' 7,922,500 558,672 7,208,000 1,808,553 24,705,179 30,872,223 'Fling 16 SHB a Ngan hang TMCP Sai Gan — Ha Ni - Tien, yang vay cac to chfrc tin siting khic 30/06/2019 31/12/2018 Trieti dang Trieu clang 10,702,675 7,325,704 Trong do: Phai tra nghiep vu thin tin dung tra cknii 819,367 1,210,565 - 13.ng yang va ngoai to Trong do: Phoii tra nghiep vu thir tin dung tra chain 7,872,926 6,255,902 7,866,813 4,879,407 18,575,601 13,581,606 - Wang VND Tong 27 Tien giri ciia khach hang 30/06/2019 31/12/2018 Trieu d'dng Trieu cljng Tien, yang giri khong 14 han 15,283,111 18,552,008 - Tien giri khong 14 han bang VND 14,372,340 17,782,192 910,771 769,816 Tien, yang gu•i 614 han 226,976,976 204,523,405 - Tien giri c6 ky han bang VND 213,763,182 195,245,626 13,213,794 9,277,779 12,007 5,251 1,115,537 1,056,923 243,387,631 224,137,587 - Tien giti khong ky han bAng yang, ngoai to - Tien giri c6 ky han bang yang, ngoai to Tien gin van chuyen diing Tien girl ky qt4 17 SIBS Ngin hang TMCP Sai Gen — HA NOi 28 Win tai tro., ity thac dAu ttr, cho vay TCTD chin rui ro VOn nhan tai tro de cho vay bang VND VOn nhan tai tro de cho vay bang yang, ngoai to 30/06/2019 31/12/2018 Trieu (icing Trieu &dug 1,369,679 1,330,584 413,224 143,127 1,782,903 1,473,711 30/06/2019 31/12/2018 Trieu eking Trieu cl "dng 6,656,989 5,310,165 56,534 160,617 360,799 824,637 7,074,322 6,295,419 29 Cac khoan nq khac Cac khoan lai phi phai tra Cac klloan phai tra not bO Cac Ichoan phai tra ben ngoai 18 SHB Ngan hang TMCP Sai Con — Ha N6i 30 Viin va cac quy cila to chirc tin dung: Dan vi tinh: Tri:eu tieing V6n gop/V6n Thang du• von co phan 'lieu le S6 du• dau ky 12,036,161 101,716 Co phieu quy (5,260) - Tang ky Tang kj, So du• cutA quy 12,036,161 101,716 (5,260) Quy Dau tu• phat trien Quy Du• phong tai chink Q US, Du tru• b6 sung von dieu le Quy kliac Lai nhuan sau thue/ Lei luy ke Cling 1,022 2,579,621 16,149,273 3,536 50,000 1,128,147 1,181,683 3,536 50,000 1,128,147 1,181,683 51,022 3,707,768 17,330,956 20,013 23,549 957,866 957,866 458,134 458,134 19 SHB Ngfin hang TMCP Sai Gen — Ha NOi 31 Thu nhap lai va cac khoin thu nhap tu•ong tty: Thu Iai tier giri Thu lai tien vay Thu Iai to kinh doanh, dau to chu•ng khoan No Tir 01/01/2019 den 30/06/2019 Tir 01/01/2018 den 30/06/2018 Trieu clang Trieu clang 300,951 139,484 10,484,173 9,167,900 1,297,921 588,273 50,177 29,059 12,133,222 9,924,716 Thu phi hoat dOng bao lanh 32 Chi phi lai va cac khoin chi phi tu•o'ng tty: Tra lai huy Ong Tra lai cho vay Tir 01/01/2019 den 30/06/2019 Tir 01/01/2018 den 30/06/2018 Trieu clang Trieu clang (8,890,872) (7,759,857) (497,604) (205,164) (9,388,476) (7,965,021) 33 Lai/ 16 thun tir host dOng dich vu: Thu phi dich vu - Hoat Ong town - Boat Ong ngan qu5" - Dich vu dai 1/ Chi phi dich vu lien quan - Hog clOng tool) - Hoat Ong ngan qu'y - Chi phi dich vu dai1ji Lai/ lO thuAn tir hog do,'ng dich vy Tir 01/01/2019 den 30/06/2019 Tir 01/01/2018 den 30/06/2018 Trieu cljng Trieu clang 310,054 127,904 212,959 83,956 7,651 5,511 89,444 38,437 (44,952) (47,379) (33,325) (12,077) (4,601) (7,253) (7,026) (28,049) 21,65,102 80,525 20 Ngan hang TMCP Sai Gon — Ha Ni 34 Chi phi twat diMg Tir 01/0.1/2019 den 30/06/2019 Tir 01/01/2018 den 30/06/2018 Trieu deing Tri01 eking (20,592) (10,581) (816,148) (665,179) (198,053) (190,778) (309,577) (279,622) (106,665) (85,672) (4,070) 1,425 1(1,455,105) (1,230,407) Chi n6p tittle va cac khoan phi, le phi Chi phi cho nhan vien (Luang, BHXH, BHYT, BHTN, KPCD, chi trang phuc, bao h6 lao Chi ve tai san Chi cho hoat Ong quail ly cong vu Chi n6p phi bao hiem, bao dam tien gdi cna khach hang Chi phi du phong (khong tinh chi phi du phong rui ro tin dpng not va ngoai bang; du phong giam gia chi:mg khodn) 35 Tien va cac khoin twang throng tien Tien mat va cac khoan tuang duang tien tai qu'y Tien gin tai Ngan hang Nha nuac Tien gni tai TCTD khac ]thong ky han Tien gin tai cac to chic tin dung Ichac co thai gian dao han clued thang 30/06/2019 31/12/2018 Trieu cicjng Trieu clang 1,769,231 1,826,756 5,726,504 3,187,062 20,859,984 25,185,820 7,359,444 8,941,657 35,715,163 39,141,295 36 Nghia vu ncr tiem an va cac cam ket lira Trong qua trinh hoat Ong kinh doanh, Ngan hang thuc hien cac cong cu tai chinh lien quan den cac khoan Tripe ngodi bang can d'gi ke man Cac cong cu tai chinh chi yeti bao gom cac cam ket bao lanh va thu tin dung Cac cong cu ding tao nhang rii ro tin dung cho Ngan hang ngoai cac rni ro tin dyng da dugc ghi nhan nqi bang Rni ro tin dung cna cac cong cu tai chinh ngoai bang dugc dinh nghia la kha nang mang den Mi ro tin dung cho Ngan hang mot cac ben lien quan den cong cu tai chinh khong thuc hien cac dieu khoan cia hgp dimg 21 SHB Ngfin hang TMCP Sai Gon — Ha Ni Bao lanh tai chinh la cac cam ket co dieu kin ma Ngan hang cap 'cho khach hang giao dich yen mot ben thir ba cac hog do, ng ve bao lanh vay von, bao lanh toan, bao la'nh thgc hien hgp dong va bao lanh dg than Rai ro tin dung lien quan den viec cap bao lanh ve co ban e,i(Sng riii ro cho vay khach hang Giao dich thu tin dung thug mai tra la loci giao dich Ngan hang cung cap tai chinh cho khach hang cira minh, thong thuong la ngugi mua/nha nhap khau hang hod va ben thu huang la ngtrgi baninha xuat khau Rig ro tin dung thu tin citing tra thug thap hang hog nhap khau dugc dung the chap cho loci giao dich a Giao dich thu tin clang tra cham se phat sink rui ro hgp dong da dugc thgc hien ma khach hang khong toan cho ben thu hugng Cac thu tin dung tra cham khong dugc khach hang toan dugc Ngan hang ghi nhan la khoan cho vay bat buOc va cong ng tuong Ung the hien caa nghTa vu tai chinh cira Ngan hang phai toan cho ben thy huong va thgc hien nghia vu Ngan hang viec bao lanh cho khach hang a dam bao cho cac cOng cu tai chinh có lien Ngan hang thuang yeu cau khach hang kY guy quan den tin dung can thiet Gia tri ky quy dao do, ng tix 0% den 100% gig tri cam ket dugc cap, thy thugc vao mac dO tin cay caa khach hang Ngan hang danh gig Chi net cac khoan cong ng tiem an va cam kat ngoai bang vao 30 thang 06 nam 2019 nhu sau: Bao lank vay von Cam 1(t nghi0 vu LC Bao Lanh khac 30/06/2019 Trieu dong 16,858 , 24,202,465 47,154,3841 71,373,7071 31/12/2018 Tri'eu cVdng 16,208 14,117,545 49,465,228 63,598,981 37 Giao dich vbi cac ben lien quan Giao dich vgi cac ben lien quan la cac giao dich dugc thgc hien veri cac ben c6 lien quan vOi Ngan hang Cac ben dugc coi la lien quan nett mot ben CO kha nang kiem soat hoac c6 anh huang dang ke dgi vai ben viec quyet dinh d6i vbi cac chinh sack tai chinh va hog Ong MOt ben dugc coi la ben co lien quan vbi Ngan hang neu: (a) Trgc tiep hoac gian tiep qua mot hay nhieu ben trung gian, ben nay: kiem soat hoac bi kiem soat hoac chiu str kiem soat chung boi Ngan hang (bao gOm cac cong ty me, ding ty con); c6 von gop vao Ngan hang va do có anh clang ke tbi Ngan hang; (b) co quyen dong kiem soat Ngan hang; Ben lien quan la gong ty lien doanh, lien ket ma Ngan hang la mot ben lien doanh, lien ket; 22 SHB Ngfin hang TMCP Sai Gan — Ha NOi Ben lien quan co vien la nhan su chinh Ban TOng Giam dO‘c cua Ngan hang (c) hoac ding ty me cna Ngan hang; Ben lien quan la vien mat thiet gia dinh cilia bat ky ca nhan nao da neu (d) diem (a) hoac (c); Ben lien quan la mot to chirc true tiep hoac gian tiep chiu su kiem soat, dOng kiem soat (e) hoac chiu anh hug clang ke, hoac co quyen bieu quyk bed bat kY ca iihan nao dugc de cap den diem (c) hoac (d) 38 Chinh sach (van ly rui ro lien quan den cac cong cu tai chinh tieu cua Ngan hang la tOi da hoa gia tri dau to cua co dong, Igiu \rang titic dO tang trung Muc 10 nhuan va tinh hinh tai chinh lank manh Do vay, viec sir dung cac cong cu tai chinh, bao gOm nhan tien gai cua khach hang va da'u tu vao cac tai san tai chinh cep chat luting cao da tra boat dOng mang tinh then chOt ginp Ngan hang dal dugc mac chenh lech lai sat can thiet Xet tir khia canh quan ly rui ro, dieu doi hoi Ngan hang ket hop met each can dOi gitra cac cam ket ngoai bang (nhu bao lanh va thu tin dung) voi cac khoan cho vay (bang dong not to cang nhu ngoai te) dei voi cac ca nhan va to chirc thuOc cac mac dO tin cay khac Ben carth dO, Ngan hang ciing clau tu mot phan von luu dOng vao cac chimg khoan dau tu,hay cho cac ngan hang khan vay Nhang rid ro lien quan den trao dOi ngoai to va thay d6i lai suit dugc quan ly thOng qua ap dung han mac thai nham han the su tap trung qua mire ding thai tham gia vao cac hoat dOng Inam gia nhieu tai san la cac ce, tic dung can bang fan de giam thieu rui ro Thong qua viec , du ding cu tai chinh co chat hieing cao, ca cau bang can dOi ke toan hop nhat cua Ngan hang co kha nang pheng ngira rui ro yeu qua trinh hog dOng kinh doanh va dam bao Icha nang khoan Them vao dO, Ngan hang cang tham gia vao nhieu giao dich ph6ng ngira rui ro lien quan den cac cong cu tai chinh nhu cac cam ket hoan dOi ngoai to cho muc dich quan IY rui ro lai suit Trong qua trinh quan ly rai ro tin dung, Ngan hang da sir dung co hieu qua Cam nang Tin dung net cac chinh sach va thir ttic cho vay ding nhu cac hug din thuc hien de chuan ghi chi han the thOng qua viec nam hoa cac hog dOng tin dung cila Ngan hang Rum ro khoan dugc l clang tai khoan Nostro, cac gia mot so luting lon tien mat va cac khoan tuong throng tien duai khoan hen gin co ky han tai Ngan hang Nha nuoc va cac to chic tin dung Ichac va cac giay to co gia Cac ty le an toan co tinh den yeu to rui ro ding dugc sir dung de quan ly rim ro khodn Ngan hang thuang tien hanh danh gia chenh l'ech lai suit, so sanh vbi cac thi tn.rOng nubs va q u6c t6' de có nhang dieu chinh kip thai Them vao do, viec ap dung cac quy trinh quan ly rui ro not be cang tra nen hieu qua han nha viec tri'6n khai He thong Quan ly Von Tap trung va He thong Thanh toan Tap trung, theo toan bo cac giao dich von va toan cua Ngan hang deu HOi 23 SHB Ngan hang TMCP Sai Gan — Ha Ne.)i 39 Wing tin bao can bo ph@i - Thong tin brio edo be) ph(in tlzeo linlz vtyc kink doanh: Tin dung Day tit Bich vu NgtiOn von Ttnig cOng 243,414,234.00 50,897,595.00 961,273.00 43,451,859.00 338,724,961.00 Tai san 235,749,815.00 50,799,201.00 163,760.00 35,834,047.00 322,546,823.00 1.TS BO phan 7,664,419.00 98,394.00 797,513.00 7,617,812.00 16,178,138.00 TS phan b6 Ng' phai tra (534,208.00) 1.Ng phai tra b0 phan (363,958.00) Na phan b6 (170,250.00) (2,185.00) (2,185.00) (141,437.00) (320,716,175.00) (321,394,005.00) (123,722.00) (320,546,960.00) (321,034,640.00) (17,715.00) (169,215.00) (359,365.00) 25 SH B Ngfin hang TMCP Sai Gen — Ha N'ei - Thong tin brio ctio bO phipt theo khu vifc din 15,: Mien Bic Trieu VND Tong Ong Trieu VND Mien Trung Trieu VND Mien Nam Trieu VND Tit 01/01/2019 clA 30/06/2019 Ket qui kinh doanh be plan Thu nhap lai thuan Lai thuan tir hog clang dich vu Lai thuan to hoat clang kinh doanh ngoai hoi Lai/(16) thuan to mua ban chirng khoan kinh doanh 1,818,249 735,319 191,178 2,744,746 222,022 31,315 11,765 265,102 23,841 7,479 1,704 33,024 Lai/(le) thuan to mua ban chimg khoan dau to 42,561 Lai thuan tit hoat clang khic Thu nhap to g6p van, mua co phan Chi phi hoat do, ng Lod nhu4n thuAn tir hoat dOng kinh doanh tru*c chi phi du phong rui ro tin dung Chi phi du pheng rni ro tin dung 19,136 TOng nhuin trtr&c thue 42,561 15,935 59,930 (1,047,206) (283,065) 1,138,533 506,983 1,315 (124,834) 81,128 (177,943) (89,113) (18,883) 960,590 417,870 62,245 36,386 59,930 (1,455,105) 1,726,644 (285,939) 1,440,705 26 SHB NO') hang TMCP Sal Gen — Ha NOi Tai 30/06/2019 Tai sin Tin mat va yang Tin girl tai Ngan hang Nha mak Tin gni va cho vay cac to chirc tin dung ("TCTD") khac Cho vay khach hang Dau to tai chinh Tai san c6 Binh TA' san khac TONG TAI SAN Nq phai tri Tien giri va vay cac TCTD khac Ti'n girl khach hang Huy Ong khac Ncr phai tra khac TONG NQ PHAI TRA Mien Bic Trieu VND 1,278,756 5,710,785 Mien Nam Trieu VND 330,194 5,811 28,209,553 166,768,158 48,546,822 4,679,888 17,600,989 272,794,951 2,982 40,150,523 51,371 4,852,307 45,393,188 46,061,612 186,163,547 19,915,414 5,803,537 257,944,110 215 42,137,819 1,941,691 895,593 44,975,318 Mien Trung Trieu VND 160,281 9,908 6,893 19,995,594 20,926 343,220 20,536,822 1,816 15,086,265 3,011,304 375,192 18,474,577 ting cong Trieu VND 1,769,231 5,726,504 28,219,428 226,914,275 48,546,822 4,752,185 22,796,516 338,724,961 46,063,643 243,387,631 24,868,409 7,074,322 321,394,005 27 SHB Ngan hang TMCP Sai GOn - HA N6i 40 TY GIA MOT SO LOAI NGOAI TE VAO noi DIEM cuoi Quv 30/06/2019 31/12/2018 VIVD VVD USD 23,278 23,230 EUR 26,584 26,557 GBP 29,527 29,345 CHF 23,882 23,522 216 210 SGD 17,210 16,967 AUD 16,322 16,354 HKD 2,983 2,961 CAD 17,783 17,040 CNY 3,391 3,378 LAK 2.6704 2.7158 XAU 3,898,000 3,646,500 JPY Ha N0i, thong nom 2019 Nprei 14p bieu DO Thanh Phtrung Ke toan trtrolig/ NO TN Van Ph6 TOng Gia among Giam DOc NO Thu eltittryefit 4a'n See 28 ... DIEM cuoi Quv 30/06 /20 19 31/ 12/ 2018 VIVD VVD USD 23 ,27 8 23 ,23 0 EUR 26 ,584 26 ,557 GBP 29 , 527 29 ,345 CHF 23 ,8 82 23, 522 21 6 21 0 SGD 17 ,21 0 16,967 AUD 16, 322 16,354 HKD 2, 983 2, 961 CAD 17,783 17,040... 19 ,27 5 07 Nam 20 18 Nam 20 19 Nam 20 18 Nam 20 19 9, 924 ,716 12, 133 ,22 2 (7,965, 021 ) (9,388,476) 2, 744,746 1,959,695 310,054 127 ,904 (19 ,25 7) (44,9 52) (47,379) 32, 217 26 5,1 02 80, 525 (11,161) 33, 024 ... Trieu VND 1,769 ,23 1 5, 726 ,504 28 ,21 9, 428 22 6,914 ,27 5 48,546, 822 4,7 52, 185 22 ,796,516 338, 724 ,961 46,063,643 24 3,387,631 24 ,868,409 7,074, 322 321 ,394,005 27 SHB Ngan hang TMCP Sai GOn - HA N6i 40