- Tien yang vay cac to chat tin (king khfic
39. Lni hinh va gia tri tai sin the chip can khach hang
Gia tri so saich Gia tri tai thin them lip ban can
31/12/2012 31/12/2011 31/12/2012 31/12/2011 Bat Ong san 46,623,608,910,715 26,876,564,862,146 46,623,608,910,715 26,876,564,862,146 Bat Ong san 46,623,608,910,715 26,876,564,862,146 46,623,608,910,715 26,876,564,862,146 Ding san 20,873,587,987,526 18,779,778,280,727 20,873,587,987,526 18,779,778,280,727 Chimg to co gia 11,971,473,902,364 3,132,017,575,733 11,971,473,902,364 3,132,017,575,733 TM san khac 24,729,448,504,851 13,077,086,815,770 24,729,448,504,851 13,077,086,815,770 104,198,119,305,456 r 61 ,865,447,534,376 104,198,119,305,456 r 61,865,447,534,376 25
M SHB
Ngan hang TMCP Safi Gen — Ha NOi
40. Nghia vu my tiem An va cac cam ket dun ra
Trong qua trinh host Ong kinh doanh, Ngan hang thyt hien cac cong cu tai chinh lien quan den cac khoan num ngoai bang can dii Ica toan. Cac cong cu tai chinh nay chi]. yen bao gOm cac cam kat bao lath va thu tin dung. Cac cong cu nay cling tao ra nhung rui ro tin dyng cho Ngan hang ngoai cac riim ro tin dyng da dugc ghi nhan trong nOi bang
Rai ro tin dung cua cac cong cu tai chinh ngoai bang dugc dinh nghia la kha nang mang den nim ro tin dyng cho Ngan hang khi met trong cac ben lien quan ten cling cu tai chinh do khong thyc hien cac dieu khoan cua hop Sing.
Bao lath tai chinh la cac cam la cep dieu kien ma Ngan hang cap cho khach hang a giao dich yeti met ben thir ba trong cac host do, ng ve bao lath vay von, bao lanh thanh town, bao lath thyc hien hop ding va bao lath du than. Rim ro tin dyng lien quan den viac cap bao lath ve ca ban giOng rum ro cho vay khach hang.
Giao dich thu tin dyng thuang mai tra ngay la loam giao dich trong do Ngan hang cung cap tai chinh cho khach hang coa minh, thong thuong la ngubi muainha nhap khan hang hod va ben thy Sang IA ngubi baninha xuat khan. Rim ro tin dyng trong thu tin dung tra ngay thuang thap do hang hod nhap khan dugc ding de the chap cho loci giao dich nay.
Giao dich thu tin dyng tra cham se phat sinh ram ro khi hop ding da dugc thyc hien ma khach
hang kh8ng thanh town cho ben thy Song. Cac thu tin dyng tra chain khong dugc khach hang thanh town dugc Ngan hang ghi than la khoan cho vay bat buOc va cong ng trong 1mg the hien nghia vu tai chinh cua Ngan hang phai thanh town cho ben thy huong va thyc hien nghia vu cua Ngan hang trong viac bao lanh cho khach hang.
Ngan hang thubmg yeu cau khach hang kY guy de dam bao cho cac cong cu tat chinh cep lien quan den tin dung khi can thiet. Gia tri ky quy dao do, ng nr 0% den 100% gia tri cam kat dugc cap, tuy thuoc vao mire de tin cay cua khach hang do Ngan hang danh gia.
Chi -net cac khoan cong ng tiem an va cam kat ngoai bang vao ngay 31 thang 12 na.'rn 2012 nhu sau:
31/12/2012 VND
31/12/2011 VND Bao lath tai chinh 2,366,410,752,160 2,587,953,291,233 Thu tin dyng tra ngay 168,801,960,954 338,340,916,961 Thu tin dyng tra chani 167,635,372,227 199,886,935,717 Cam kat bao lath Ichac 2,584,320,373,067 82,624,834,815 5,287,168,458,408 3,208,805,978,726
SHB
Ngfin hang TMCP Sai Gen — Hit NOi
41. Giao did) yid cac ben lien quan
Giao dich voi cac ben lien quan la cac giao dich dugc thvc hien voi cac ben co lien quan voi Ngan hang. Cac ben dugc coi la lien quan neu met ben co kha nang kiem soat hoic co anh Inn:mg Bang ke dei voi ben kia trong viec ra guy& dinh dei voi cac chinh sach tai chinh va hoat deng. Met ben dugc coi la ben c6 lien quan voi Ngan hang neu:
(a) Trvc tier' hoic gian ti6p qua mot hay nhieu ben trung gian, ben nay:
kiem soat hoac bi kiem soat hoac chin sv kiem soat chungbei Ngan hang (bao gem cac cong ty mg, cong ty con);
I. co von gOp vao Ngan hang va do do co anh hueng ding Ice tad Ngan hang; co quyen clang kiem soar Ngan hang;
(b) Ben lien quan la cong ty lien doanh, lien ket ma Ngan hang la met ben lien doanh, lien ket; (c) Ben lien quan co thanh vien la nhan sv chinh trong Ban Tang Giarn dec cua Ngan hang hoic cong ty mg caa Ngan hang;
(d) Ben lien quan la thanh viten mat thiet trong gia dinh cua bat IcST ca nhan nao da neu trong diem (a) hoac (c);
(e) Ben lien quan la met t6 chirc taw tiep hoac gian tip chit' sv kiem goat, clang kiem soat hoac chiu anh huemg Eng ke, hoac co quyen bleu quyet bed bat lc, ca nhan nao dugc de cap den trong diem (c) hoac (d).
Tom tit met se giao dich lon voi the ben lien quan trong quST IV nal' n 2012 nhu sau:
Cac giao dich
Thanh toan dich vu quang cao Thu dr dich vu iry thic dau to Thu c6 tire tir cong ty lien quan
&mg 90,909,091 86,473,095,052
T6m tit cac khoan phai thu phial tra cac ben lien quan tai thei diem 31 thing 12 nam 2012 nhu sau
Phrii thu
Cdc giao djch erring citing
Turn frng hop d6ng cung cap dich vu quang cao 178,711,571,012
Cho vay 450,098,558,207
Ky quy a kinh doanh chung khoan
Oy thac dau to 1,103,516,420,043 Tien gni khong IcSt ban 202,590,797,792 Tien gin co lcY ban 559,054,000,000 2,493,971,347,054
SHB
NgAn hen TMCP Shi Gen - HA NOi