Rui ro thi trtrirng

- Thanh ly, nhtromg ban 96,720,000 96,720,000 Giam khdc

45. Rui ro thi trtrirng

46.1. Rai

Thad han dinh lai lai sat thuc to la thoi han con lai tinh tir theyi diem lap bao cao tai chinh cho tad ky dinh lai lai suat can nhat cua cac khoan muc tai san va nguQn

Cac gia dinh va dieu kien sau dugc dp dung trong phan tich theri han dinh lai lai suat thuc t6 caa cac tai san va cong ng cua Ngan hang:

► Tien mat, yang bac a quy; gop von dau to dai han va cac tai san co khac (bao gom tai san co dinh, bat Ong san au to va tai san c6 khac, trir Uy tilde au tu) dugc x6p loai khoan muc khong bi anh huang do dinh lai lai suat;

► Tien giri tai Ngan hang Nha nude Viet Nam dugc 'cep loai tien giri thanh toan do dO kSi han dinh lai lai suat thtrc to dugc x6p loai den mot thang;

► Thai han dinh lai lai suat thuc to cua chdng khoan au to va chimg khoan kinh doanh dugc tinh clua tren theyi gian dao han thuc to tai thai diem lap bao cao tai chinh cua timg loai chirng khodn;

SHB

Ngfin hang TMCP Ski Gan — HA NOi

► Th6i han dinh 14i lai suit thut to cua cac khoan tien gui va cho vay cac TCTD; cac khoan cho vay khach hang; cac khoan chinh phu va Ngan hang Nha ntroc Viet Nam; cac khoan tien giri va vay cac To chirc tin dung va khoan muc tien giri cua khach hang dugc xac dinh nhu. sau:

Cac khoan muc co lai suAt co dinh trong sueit th6i gian cua hop don: Th6i han dinh 14i lai suit thgc to dkra tren th6i gian dao han thgc t6 tinh tir th6i diem lAp bao cao tai chinh.

Cac khoan muc c6 lai suit tha n6si: Thai han dinh 10 lai suit thut to cua cac hop dling cho vay c6 th6i gian dao han con lai &I'M 6 thang dugc xac dinh dua tren th6i gian dao hp con 14i; cac hop d6ng co th6i gian dao han con 14i tren 6 thang dugc x6p vao loci Ur 3 thang den 6 thang do kSr dinh 14i lai suit cua Ngan hang tiSi da la 6 thang mot lAn.

► Th6i han dinh 14i lai suit thgc to cua khoan muc ngu6n von tai trg uSi thac dau tu, cho vay ma to chic tin dung chiu rid ro dugc tinh dtra tren th6i gian dao han con 10 dm tirng hop d6ng;

► TWA han dinh 14i lai suAt cua cac khoan ng khac dugc xep vao khoan muc khong bi anh twang do dinh lai lai suit hoAc kS, han tir 1 thang den 3 thang. Trong thgc te, cac khoan muc nay c6 the c6 th6i gian dinh lai lai suAt khac nhau.

SHB

Solid partners, flexible ankr,ions

Ngfin hang TMCP Ski Gan —11a Noi

•

Qua hgn

Kitting hi tinh hufmg do dinh Igi

It i suit DA I thong Tir 1- 3 thting

Tit 3 - 6 thting

Tit 6 -12

lifting Tie 1- 5 nom Tren 5 nom Tang

Tii sin

Tien mat, yang bac, da quY 541,115 _541,115

Tien girl tai NHNN _{1,818,057 1,818,057}

Tien gin tai va cho vay cac TCTD !chic (*) _{- 11,185,243 14,514,277 4,726,080 - - - 30,425,600}

Chimg khan kinh doanh (*) 51,887 _51,887

Cac ding co tai chinh phai sinh Ira cac tai san tai chinh khac _-

Cho vay khach hang (*) _{4,882,809 - 23,915,598 37,661,122 1,926,036 6,262,252 1,818,938 15,734 76,482,489}

Chung khoan d'au to (*) _{48,113 300,605 816,326 2,526,555 3,602,540 10,365,757 1,003,955 18,663,851}

Gop yen, deo ttr dai han (*) 410,842 _410,842

Tai san co dinh va bat do, ng sin d'au to 4,167,736 _4,167,736

Tai san Co khk (*) _{- 9,958,036 13 - 2,523,244 224,000 - 43,320 12,748,612}

Tang tai sin _{4,882,809 16,995,785 35,401,459 52,991,725 11,701,915 10,088,792 12,184,695 1,063,008 145,310,189}

NT phii tri _-

Tien girl dm va vay tir NHNN vi cac TCTD khk - - 15,073,404 7,687,122 - 44,000 - - 22,804,526 Tien girl caa khach hang _{40,055,526 27,385,445 14,022,686 7,894,078 1,355,350 1,235 90,714,318}

Cac ding cu tai chinh phai sinh va cac khan ding no tai chinh khac _{6,272 6,272}

Vein nhan tai try, uST thk dell tu, cho vay ma TCTD chiu rid ro _{5,698 463,371 - 279 1,518 5,524 476,390}

Phat hanh giAy tar có gia 37,865 4,522,021 5,096,939 7,252,750 - - 16,909,575

Cac khan no khk _{2,498,962 2,498,962}

Tang my phai tra - 2,505,234 55,172,492 40,057,958 19,119,624 15,191,107 1,356,868 6,759 133,410,043

SHB

Solid partners. flexible solutions

Ngfin hang TMCP Sai Gan — Ha Nt5i

46.2. Rfii

to

Rui ro lien to la _{ro ma gia tri cue cac cong cu tai chinh bi thay doi xudt phat tir nhang} thay d6i ve ty gia.

Ngan hang dugc thanh lap va host dOng tai Viet Nam v•i dong tien bao cao la VND. D6ng tien giao dich chinh cue Ngan hang cling la VND. Cac khoan cho vay va ling trudc khach hang cue Ngan hang chi' y6u bang VND, mot pilau bang USD va EUR. Tuy nhien, mot s6 tai san khac cue Ngan hang 141 bang cac d6ng tin khac ngoai VND, USD va EUR. Ngan hang da due ra mot he th6ng h4n mire de quail ly trang thai cua cac ding ti&i. Trang thai ding tin dugc quan ly tren co so hang ngay va chien ltrot phong ngira rui ro dugc Ngan hang sir dung

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