- Tu g6p vdn, dAu tu diri han
44.Riii ro tin dung
Rei ro tin dung la kha nang xay ra ton that trong hoat dOng ngan hang ctia t6 chine tin dung do khach hang khong thfrc hien hoac khong co kha nang thgc hien nghia vu cea mirth theo cam ket.
Ngan hang kiem soat va quan 1ST nii ro tin dung bang each thiet lap han mire thanh toan tuong
Ngan hang TMCP Sai Gen — Ha NOi
img voi mire do", rui ro ma ngan hang c6 the chap nhan dugc dai voi mei khach hang va Jai vii m6i Mill vuc dia ly, nganh nghe.
Ngan hang da thiet lap quy trinh soat xet chat lugng tin dung cho phep du bao som nhimg thay dod ve tinh hinh tai chinh, kha nang tra ng cua the ben dai tic dva teen cac yeu t6 climb tinh,
dinh lugng. Han mire tin dung clOi voi m61 khach hang dugc thiet lap th6ng qua vice sir drying he
thong xep hang tin dung, trong do mOi kWh hang dugc xep loaf a met mire dO rui ro. Mire do rui ro nay co the dugc sira doi, cap nhat thuang xuyen.
45. Riii ro thi taring
45.1. Rai ro lai suit
Thai han dinh lai lai suit thvc to la thai han can lai tinh tir thai diem lap bao cao tai chinh cho toi ky dinh lai lai suit gin nhat cua cac khoan mvc tai san va nguan van.
Cac gia dinh va dieu kien sau dugc dp dung trong phan tich theri han dinh lai Val suit thvc to tha cac tai san va cong ng cua Ngan hang:
a> Tien mat, yang bac da quy; g6p van dau tu dai han va the tai san co khac (bao gem tai san co dinh, bat do, ng san dau tu va tai san cg khac, trir ny thac Tau tu) dugc xep loai khoan mvc khong bd anh hueng do dinh lai lai suit;
or Tien giri tai Ngan hang NM nuk Viet Nam dugc xep loai tien giri thanh town do JO ky han dinh lai tai suit thvc to dugc xep loaf den mat Mang;
Thai hp dinh lai raj suit thvc to elm chimg khoan dau tu va chung khoan kinh doanh dugc tinh dva tren thai gian dao han thvc to tai thin diem lap bao cao tai chinh cua tong loai chirng khodn;
Thai han dinh lai lai suit thve to tha cac khoan tien giri va cho vay cac TCTD; cac khoan cho vay khach hang; cac khoan ng chinh phu va Ngan hang NM nIxac Viet Nam; cac khoan tien giri va vay cac TO chirc tin dung va khoan mvc tien gai cua khach hang dugc xac di/1h nhu sau:
Cac khoan mix co lai suit cif) dinh trong suet thai gian cua hop clang: Thai han dinh lai Val suit thvc to dtra tren thai gian dao han thvc to tinh tir thai diem lap bao cao tai chinh.
Cac khoan mvc co lai suit tha Thai han dinh lai lai suit thvc to tha cac hop Bong cho vay co thai gian dao han can lai duai 6 thang dugc xac dinh dva tren thai gian dao han can cac hop clang co thai gian dao han can lai tren 6 thang dugc xep vao loai tir 3 thang den 6 thang do kY dinh lad lai suit cua Ngan hang tin da la 6 thang mot
a« Thai han dinh lai 151 suit thvc to cna khoan myc nguan van tai trg uy thee du tu, cho vay ma to chirc tin dung chiu run ro dugc tinh dva teen thai gian dao han can lai tha tong hop clang;
SHB
NS hang TMCP Sal Gen — Ha MU
Thai han dinh lei lei suet Ma cau khodn no khac duce xep vale khoan muc khong bi
anh huong do Binh lei tai suet hoec ky han tit 1 thang den 3 thang. Trong dux t6, cac khoan mix My có the có thai gian dinh lei lei suet khac nhau.
11SHB
Ngfin hang TMCP Sai Gan — RI Ni
van yu win: tneu a ng
Qua hen
&Meng do Binh Ispi lei
suit DAn 1 thang Ter 1 - 3 thing TO, 3 - 6 Mang Ter 6- 12 thang Ter 1 - 5 nam Tr& 5 nam Ting
Thi san
Tian met, yang bee, BA qu9 - 484,887 - -
- - - 484,887 (adsbygoogle = window.adsbygoogle || []).push({});
Tien gi'ii tel NHNN - - 2,789,225 - -
- - 2,789,225
Tian gal tai va cho vay cac TCTD khac (") 5,137 - - - 12,309,748 40,564 7,925,895 9,423,496 - 500,000 - - 30,164,276
Chung khoan kinh doanh (*)
- 40,564
Cac cling cu tai chinh phai sinh va cat tai san tai chinh
khac - 5,847 - -
- - - 5,847
Cho vay khach hang (*) 9,391,363 20,785,757 22,384,665
1,473,842 1,488,287 747,757 541,697 56,813,368 Chtling khoan deu tty (*) 880,000 16,024 544,943 1,824,968 Chtling khoan deu tty (*) 880,000 16,024 544,943 1,824,968
2,659,169 1,455,295 4,838,076 490,666 12,709,140
G6p von, du he dal ban (*) - 198,739 - -