- Float deng bdo lanh Hoat deng 'van quS,
43. Rai ro thi trtromg
44.1. Rai ro 'di suat
ThOi han dinh lai tai suat thuc to la th6i han con lai tinh tir thoi diem lap bao cao tai chinh cho toi ky dinh lai lai suat gar, nhat cua cac khoan mac tai san va ngu6n von.
Cac gia dinh va diet' kien sau dugc ap dung trong phan tich thoi han dinh lai Fait suat that to caa cac tai san va tong ng caa Ngan hang:
► Tian mat, yang bac da quy; g6p vein dau tu dai han va cac tai san co khac (bao gam tai
san c6 dinh, bat Ong san dau tu va tai san co khac, trir ay that dau tu) dugc xap loai khoan mac kh6ng bi anh huong do dinh lai lai suat;
► Tian giri tai Ngan hang Nha nu& Viet Nam doge x'ap loai tian gii thanh town do do ky
han dinh lai lai suat thuc to dugc x.ap loai clan mot thong;
► Thin han dinh lai 101 suat thuc to caa thong khoan dau tu va thing khoan kinh doanh
dugc tinh dtra tren thoi gian dao han thuc to tai thoi diem lap bao cao tai chinh caa timg loai chfrng khoan;
► Thad han dinh lai lai suat that to caa cac khoan tien gai va cho vay cac TCTD; cac
khoan cho vay khach hang; cac khoan nq chinh pha va Ngan hang Nha nuac Viet Nam; cac khoan tinva vay cac T6 chic tin clang va khoan mac tinkhach hang dugc xac dinh nhu sau:
Ngfin hang TMCP Ski Gen —HA Niji
Cac khoAn muc c6 lii suit c.6 dinh trong suet thoi gian cua hop dtmg: Thai han dinh lai lAi suit thuc to dua teen thai gian dao han thuc to tinh tir thai diem 1Ap bao cao tai chinh.
Cac khoan nitre c6 tai suit thA Thai han dinh 141 lai suit thcre t6 cua cac hqp d'Ong cho vay
c6 thZri gian dao han can tai dugi 6 thing dugc xac dinh dua tren thai gian dao han con cac Imp
deng c6 thai gian dao han con lai tren 6 thing dirge xep vAo loai tir 3 thing den 6 thing do kY dinh lai lai suit dm Ngan hang tei da IA 6 thing mgt IAn.
► ThOi han dinh lai lai suit thuc t6 cita khoan muc ngu'on von tai trq uY tilde dAu tu, cho
vay ma to chIrc tin dung chin Mit ro dugc tinh dua tren tiled gian dao han con Lai cua tirng hgp dong;
► Thad han dinh lai tai suit cita cac khoan ng khac dugc xep vAo khoan raw khong 1)1
anh htrang do dinh lai lai suit hoc kj/ han tir 1 thing an 3 thing. Trong dive t6, cac khoan muc nay c6 the c6 thai gian dinh lai tai suit khac nhau.
$SHB
Solid panners. flexible sotutione
Nan hang TMCP Sal Got) - HA Ni
Don vj tinh: TriOu citing
Qud hon Khong hi dish Intong - do 4nh 1M IN snit
A
Den 1 theing - Tit 1 - 3 thdng - Tit 3 - 6 dieing - Tit 6- 12 thdng Di 1 - 5 ndm - Tr& 5 nihn - Tling
Tii sin
Tien mat, yang boc, di quV - 734,632 - - - - - -
734,632
Tien girt tai NHNN - - 3,878,041 - - - - 3,878,041
Tien girl tai vi cho vay cac TCTD khic (• 5,137 - 9,705,648 8,396,847 850,000 - - - 18,957,633
Ch'ing Ichoin kinh doanh (•) - - - - - - - -
- Cac cong en tit chinh phai sinh vi cic Cac cong en tit chinh phai sinh vi cic
tai sin tai chinh khac - 40,163 - - _ - - -
40,163
Cho vay khach hang(*) 6,815,068 - 20,601,050 20,911,168 2,230,368 3,227,434 731,916 337,057 54,854,061
ChUng khofin du tu (5) 880,000 48,113 450,661 2,222,062 390,000 1,568,136 4,557,452 456,611 10,573,034
Gip On, du tu dal han (5) - 588,036 - - - - - - 588,036
Tai sin ce dinh va bk ddng sin din tu - 3,862,298 - - - - - - 3,862,298
Tai san C6 khic (*) 2,231,934 8,130,688 60,000 665,332 - 230,185 - 46,319 11,364,458
Ting di sin 9,932,139 13,403,929 34,695,400 32,195,409 3,470,368 5,025,755 5,289,369 839,987 104,852,355 phii
Ng tra
i dm va vay tit NHNN va cic Tien gi