- Kh6u hao tdi san c6 <linh
Chi phi dqt' phbng (kh1ng tinh chi phi d1r
phong rui ro tin dtmg n1i va ngoai bang: dv phong giam gia chung khoan)
Chi phi hogt dhng khtic
Quj' IỊ20l I VNI) Quv IỊ20l0 VNI) 6,08'1,72'1,5-15 I18,035,661,583 106.545.790.2-59 6.695.769.790 10,236.462 4.778.865.072 5.000.000 3'1,106,570,859 8.533.677 .157 88,981,556,401 2" 10tJ"070_0 | 3 I43..549.000 5,003,066,502 '/9,312,694 -1,-/58,261,251 57,(t36,956,928 .i2" 150..532"564 3.666.920.321 t"817.86.1.043 1.6,10.000 20,.138,811,262 "5.U,4)..i60.754 55,267,615,331 t.226.200,826 82.968.000 2,04'1,167,003 .252,560,892,587 I J8,845,841,775 25
;':i:i:;,:;:iil: AXXgg
Ngin hing'Íhucrng m4i C6 phin Shi Gdn - IIir NQi
41.'l'i0n vi ciic khoan turmg dúong tidn
Íien mirt r.ii ciic khoan tuong duong ti6n tai qu!
l rcn gui tai Ngin hring Nhii nucrc 1'r0n gui thanh toiin tai cac 'fC'l'l) khdc
'l'ien gui r ?r cho vav cdc l'(l'l'l) khiic co kf han
khong qua 3 thang
30t06t20t1 VNI) 3010612010 VNI) 321.:107.923.0n tt 183.6.10.2-8_5.702 6"30_5.915.738..530 7,888,904.200.000 t 9tt.7.i I 433.260 749.737.329.787 217.560.513.70t 2_218.145_200.000 14,699,768,147,320 3.384.194^476.748
42. Ío4i hinh vi giri tri tiri sin th6 chflp cria khfch hdng
(]i6 tri s6 sich Oi:i tri t4i thrri di6m lip biro crio
30t06t2011 0u0lt20tl 30t06t2011 0ltolD0rr
T3lit dong san i)ong. san Chung tu oo gi6 Tdi sdn khdc 26,17 9 .462.129,586 1 5_060,208,,13 5,969 I ,907,51 1 ,63 9,803 9,93 5,87.r,930,5 93 19,207 .882,068.970 7,496,3Uị415,4t 1 6,436,505,772,576 9 .832 "9,14 ,454 921 26.119.,16?..12-9586 I9,2.{)7.882-,0(r8,970 l5-060.2-0|t..11ị9(r9 7.496,385,415,411 I ,907,5 I 1 ,63 9,tt03 6.,136.505 "7-72,5'/6 9.93 5,875,930.5 93 9.832.9:t4.,1-./1.927 53,083,058,1 35,951 42,973,717,711,881 53,083,058,135,951 12,973,7t7,7tt,884
43. Nghia vq nq ti6m An vd c6c cam k6t dua ra
Írong qu6 trinh hoat d6ng kinh doar*r, Ngin hdng tfuc hiQn cac cdng cu tai chinh li0n quan
dOn c6c khozur muc ngodi bang cAn d6i k€ todn. Circ c6ng cu trii chinh niiv chu r'Ou bao gom cAc
cam k6t bio ldnh vir thu tin dung. C6c c6ng cu nd,v cfrng tao ra nhfr'ng rur ro tin dung cho NgAn hdng ngoiri cdc rut ro 1in dung di duoc ghi nh{n trong n6i bang.
Rui ro tin dung cua cac cdng cg tai chinh ngoar ba:rg clucrc clinh nghia la kha nang mang den
rui ro tin dung cho NgAn hang khi m6t trong cac bOn licn quan dOn cong cu tai chinh do kh6ng
thuc hi0n cac diOu khoan cua htrp đng.
Ilao l5nh tdi chinh la cac cam k6t co di0u kiOn ma Ngdn hang cAp cho khach h:ing d0 giao
dtch voi mdt b6n thu ba trong c6c hoat đng lO bao ldnh ra1 r'on. bao lanh thanh toirn. bao linh
rhuc hidn hop dcrng ra bao ldnh du thAụ I{ui ro tin dung liOn quan clOn ricc cA;l bao liinh r0 ctr ban gi6ng rui ro cho r,a)' kh6ch hang.
1::'11:'::l'1, SF g Ei
NgAn hing'l'húong mai (16 phAn Shi Gdn - [I]r Ndi
(iiao <iich thu tin dung thuóng mai tra ngal' ld loai giao dich trong do Ngin hdng cung cip tai
chinh cho khach hhng cua minh. thong thuong la nguoi muar/nha nhlip khdu hang hoa va bOn thu
hucrng ld nguoi ban/nha xudt khAụ Rui ro fin dung lrong thu tin dqng tra nga\' thuong thap dct hang ho6 nhdp khAu dútrc clung d0 thO ch6p cho loai giao dich nar'
(irao dich thu tin dung tra chdm s0 ph6t srnh rui ro khi hirp dong da dLroc thuc hi0n md khach (adsbygoogle = window.adsbygoogle || []).push({});
hang kh6ng thanh tohn cho bdn thu hu6ng. Cac thu tin dung tra ch0m khong duoc khach hirng thanh toan duoc Ngdn hang ghi nhdn la khoan cho vav b6t bu6c vd c6ng no tuong fing thO hiOn
nghia vp tai chinh cua Ngdn hang phdi thanh tofur cho bOn thu hudng r,d thuc hi0n nghTa \:u cua NgAn hdng trong vi0c bao 15nh cho khach hang.
Ngdn hzng thuong 1'0u cAu khach hang K qui dc dam bao cho cac c6ng cu tdi chinh c6 liOn
quar c10n tin clung khi cAn thi0l. Gi6 tri K qụi dao đng li 0ol, d6n l(X)% grir tn cam kOt dúóc cAp. tuv thu6c r'iro muc d0 trn cẠv cua khach h2rng do NgAn h2ing danh gin
Chi tiCt c6c khodn cdng no tidm dn va cam kOt ngoai bang r ao ngdr' 30 th6ng 6 n[m 201 I nhu
sau:
30t06t20t1 VNI)
01/01/201I VNI) Ilao ldnh tai chinh
Thu tin dung tri ngay
Thu tin dung tra chim (lam kOt bao l6nh khdc
868.930,006.781 s79.848"570,864 98.469"518.628 254.480"696"3 tt3 374.1t46.154.45 I 52- l.0l2.tt tt.222 66.65 I .14.5.304 307.0.ịị09tt"014 1,801,728,792,656 1,269,565,208,991
44. Giao dich vfi cric b6n liGn quan
Giao dich vcri c6c bOn 1i0n quan la c6c grao dich duoc thuc hiOn vdi circ bOn c6 liOn quan vdi Ngdn hang. Cac bOn duoc coi la hOn quan ndu mQt bOn co kha nang ki0m soal holc c(r anh huóng dang k0 c16i íói bOn kia trong vi0c ra qụ,u6t dinh đi vcii cac chinh shch tiii chinh r'2r hoat đng. MOt bOn aluoc coi la bOn c6 li6n quan voi Ngdn hang ncụ
(a)'l'ruc ti6p hoac gian ri6p qua m6t hal nhidu b0n trung gian- bOn nar
> kidm sodt hoic bi kiOm soar hoac chiu su kiOm soat chung bcri NgAn hing (bao gom
cdrc cdng ty mq, c6ng tY con):
> co qu,v0n đng kiOm soat Ngdn hang:
(b) Il0n li0n quan ld c6ng ty li0n doanh. liin k0t ma NgzLn hang ki m6t bOn li0n doanh. hOn
ST{IJ
\ giin hans I huong m4i C6 phin Shi Gdn - IIi N6i
kir.
(c) Il.in lt.ln quar co thanh r,iOn la nhdn su chinh trong tlan'l'ong Girim tloc cua Ngin hang hoac cclnc 1\ nrL. cua \gan hang-
(d) Il0n lr0n quan la thdnh íiOn mdt thi6t trong gia ilinh cua bdt kí ca nhdn nao c1i n6u trons di0m (a) hoic (c).
(c) Il€n liin quan la m6t td chuc truc ti6p horc gi6n rr0p chru su kiem soat. đng ki6m soirt hodc chiu anh huóng d6ng kc. hoac co qur'6n bi0u qu-v0t boi bfi ki c6 nhAn nao ducrc d0 cAp tlon
trong diOm (c) hoac (d).
'l'6m tat mot
s6 gao dich lon v<yr cac b6n li€n quan trong quv I ndm 201 I nhu sau
OAc giao dich S6 ti6n
'fhanh to6n dich vu qu6ng c6o
Thu tu dich vu uy thdc dAu tu (adsbygoogle = window.adsbygoogle || []).push({});
Thu nhAp tu c6 tuc vd g6p v6n vdo ciic c6ng ty li6n quan
.l'6m
tdt c6c khoan phai thu, phar trd cac bOn liOn quiur tai thoi clicm 30 thanq 6 nam 201 I nhu sau
Ctic giao dich Íhrii thu Phdi trii
.lAng tl6ng 22.780"300" 100 ,134.898.219,682 t.797 .903.889929 229,817 130.37() 307.801.3t39.130 2,255,582,109,711 537,618.519"500
45. (lhinh s{ch qufrn lf rui ro li6n quan d6n c6c c6ng cg tii chinh
Muc ti0u cia Ngdn hang la t6i da hoa gia tri dAu tu cua c6 <16n1;. gio r,fr.ng t6c d6 ring lrurrng
lcri nhuAn ía tinh hinh tai chinh lanh manh. Do r'6y,. r,i0c su dung ciic c6ng cu tai chinh. bao g6m nhAn ti6n gui cua khach hang vd dAu tu viro c6c tdi san tdi chinh c6 ch6t luqmg cao c16 rr<r thanh
hoat dOng mang tinh then ch6t giup Ngan hang dat duoc muc chOnh l0ch lii suAr c6n thior Xct tu khia canh quan \i rui ro, didu na1' doi hoi Ngdn hang k6t hqp m6t c6ch cAn ci6i gifr.a circ cam k6t ngozrr bzng (nhu bao 16nh vd thu tin dung) i <ri cric khoan cho yar, (bang d6ng n6i td cfrng nhu ngoai t0) O5i vOi circ ca nhdn vir t6 chuc thu6c c6c mric clO tin c01 khac nhau llon canh d(r" Ng6n
harrg ciing dAu tu mdt phan r6n luu dong vdo cac chimg khoan dau tu ha_r cho cac ngdn hdng
khac var, Nhfrng rui ro li0n quan d6n trao d6i ngoai t0 r a tha1. d6i lai suAt duoc quzur lv th6ns 4,257,490,000
51,450,1 91,901
I 1,674),300,000
T4m fng hqp d6ng cung c6p dich vu quring cao
Cho vav