- Thu phi dich vu khac 6,282,597,941 5,894,185,
43.3.Rdi ro thanh khodn
SHB Of NE.
43.3.Rdi ro thanh khodn
Rui ro thanh khoan la rui ro Ngan hang gAp kh6 khan trong viec thuc hien nhfing nglifa vu cho cac cong no tai chinh. Rui ro thanh khoan phat sinh khi Ngan hang c6 the khong du kha nang dux hien nghia vu tra no khi nhttng cong no nay den hand nh&ng th6i diem binh thu6ng hoc khO khan. De giam thieu rui ro thanh khoan, ngan hang phai huy deng tir nhieu nguen da clang khac ngoai nguen On co ban cila ngan hang. Deng th6i ngan hang can c6 chinh sach quan 15, tai san c6 tinh thanh khoan linh hoot, theo doi clang tien tuorig lai va tinh thanh khoan hang ngay. Ngan hang ding can danh gia dung lien dur kien va kha Wang san co cua tai san dam bao hien tai trong truOng hop can huy dOng them nguen von
Th6i gian dao han cua cac tai san va cong no the hien th6i gian con lai cua tai san va cong no tinh tir ngay lAp bao cap tai chinh den khi thanh town theo quy dinh trong hop deng hoc trong dieu khoan phat hanh.
Cac gia dinh va dieu kien sau duoc ap dung trong phan tich th6i gian den hp cua cac tai san va cong nq cua Ngan hang:
► Tien girl tai Ngan hang Nha nude Viet Nam duoc xep loci tien giri thanh town, trong dO bao gom,tien giri dkr frit bat bu6c. S6 du dm tien giri du trill bat bu6c phi thuc vao thanh phan va kS/ han cua cac khoan tien giri khach hang cila Ngan hang;
p.. Thad gian dao han cua chi:mg khoan dAu to doge tinh dua tren ngay dao han cita tirng loci chirng khoan;
► Chung khoan kinh doanh dirge xep vao loci kST han den 1 thang;
► Th6i gian den han cua cac khoan tien giri va cho vay cac TCTD va cac khoan cho vay khach hang dirge xac dinh dua vao ngay den han ciia hop dung quy dinh. Thai gian den han thuc to c6 the thay doi do cac khe Li& cho vay dirge gia han. Ngoai ra, cac khoan cho vay khach hang dirge the hien bang gia tri g6c khong bao g6m du ph6ng rui ro; ► Thad gian den han cua cac khoan dAu to gOp yen mua ce phAn doge coi la hail m6t nom
do cac khoan dau to nay khong co thei gian dao han xac dinh;
► Cac khoan tien giri, tien vay cua cac to chirc tin dung va cac khoan tien giri cua khach hang dirge xac dinh dua vao tinh chat cua cac khoan nay hoAc th6i gian dao han tren hop Tong. Tai khoan Vostro va tien giri thanh toan dirge thgc hien giao dish theo yeu cau cua khach hang va do dO dirge xep loci khong kST han. Th6i, gian dao han doi vdi cac khoan vay va tien giri k5/ han dirge xac dinh dua tren ngay den han theo hop &mg. Trong thuc te, cac khoan nay co the dirge quay yang va do dO duy tri trong th6i gian doi han th6i gian dao han ban dau;
► Th6i gian den han cua tai san ce dinh doge xac dinh dua vao th6i gian sir dung hitu ich con lai cua tai san.
SHB
Ngfin hang TMCP Sai GOn — HA Ni
Qua kin Trong kw
Tjng Tren 3 theing Din 3 tluing Din 1 thing Tie 1 -3 dicing "ir 3 -12 listing Tfr 1 -5 nom Tren 5 nom
TM san
Tien mat, yang bac, da quy - - 618,383 - - - - 618,383
Tien giri tai NHNN - - 1,112,569 - - - - 1,112,569
Tin giri tai va cho vay cac TCTD khac (*) - - 2,670,272 8,254,375 355,137 - 70,000 11,349,783
Chang khoan kinh doanh (*) - - - - - - - -
Cac cong cu tai chinh phai sinh va cac tai san tai chinh khac - - 6,715 - - - - 6,715
Cho vay khach hang (*) 4,345,393 891,584 4,730,677 9,001,243 20,394,830 22,616,794 20,234,299 82,214,819
Ching khoan dau tu (*) - - 1,393,063 1,383,228 3,595,500 8,396,702 1,001,877 15,770,369
Clop von, dau tu dai han (*) - - - - - - 531,936 531,936
Tai san c6 dinh va bat dOng san dau tu - - 3,617,589 246 2,760 285,246 229,456 4,135,297
Tai san CO khac (*) 2,021,924 - 9,402,567 445,273 277,532 632,863 49,188 12,829,347
Ring di sin 6,367,317 891,584 23,551,835 19,084,364 24,625,759 31,931,604 22,116,755 128,569,218 Nq phai tra
Tien giri dm va vay tir NI-INN va cac TCTD khac - - 2,431,519 742,650 509,466 - - 3,683,635
Tin giri dm khach hang - - 45,664,494 25,462,391 24,731,598 2,424,802 1,389 98,284,673
Cac Ong cu tai chinh phai sinh va cac khoan Kr tai chinh khac - - - - - - - -
Von tai tru, uy thac dau tu, cho vay ma TCTD chiu rill ro - - 7,687 43,811 131,884 289,008 21,019 493,409
PHI hanh giAy to c6 gia - - 2,330,630 2,771,000 7,255,576 - - 12,357,206 (adsbygoogle = window.adsbygoogle || []).push({});
Cie khoan IN( khac - - 1,999,807 - - - - 1,999,807
Tiing nqphai tra - - 52,434,137 29,019,851 32,628,524 2,713,810 22,408 116,818,730 MAT chenh thanh khofin rang 6,367,317 891,584 (28,882,302) (9,935,487) (8,002,765) 29,217,794 22,094,347 11,750,488
Ke toan tru*ng Tiing Giam I:06c
THUGNG tiVt1 CO PH