- Tien, yang vay cac to chirc tin dyng 'chic
45.2.Rtii ro tin
46. Rid ro thi truing
45.2.Rtii ro tin
Rni ro tin to IA rui ro ma gia tri cua cac cong cu tai chinh bi thay d61 xuAt Oat tir nhang thay d6i ve ty gia.
Ngan hang dugc thanh lap va hog do, ng tai Vik Nam vat d6ng tin bao cao la VND. D'ong tin giao dich chinh cua Ngan hang cling 1a VND. Cac khoan cho vay va img tru6c khach hang ctla Ngan hang chit )4u bang VND, mot phan bang USD va EUR. Tuy nhien, mot s6 tai san khac cita Ngan hang lai bang cac dling tin khac ngoai VND, USD va EUR. Ngan hang da dua ra mot he th6ng han mirc de quan ly trang thai cua cac dOng tikt. Trang thai d6ng Wen doge quan ly ten co sa hang ngay va chin lugc phong ngira rai ro dugc Ngan hang sir dung a dam bao rang tang thai cita cac d6ng tin dugc duy tri trong han mire da thik lap.
SHB
Sala partners. fiemble solutia.s
Ngan hang TMCP Sal Gem - HI NOi
Phan loci tai san va cong ng theo loaf tin to dal dugc quy d6i sang VND vao ngay 31 than 03 nam 2013 nhu sau:
Don vi tinh: tri u dim
EUR duct quy et& USD duvc quy drii
Cac ngoai 0 khac chivy quy
a Tong
Tai sin
Tien mat, yang bac, CIA quy 124,437 142,381 93,157 359,976 Tien giri tai NHNN - 2,603,418 - 2,603,418 Tien giri tai va cho vay cac TCTD khac (*) 335,502 3,026,214 7,249 3,368,966 ChCmg khoan kinh doanh (*) - - - - Cang cu tai chinh phai sinh va cac tai san tai chinh khac (*) - - - - Cho vay khach hang (*) 151,363 8,316,098 - 8,467,461 Cht'ing khoan du to (*) - 833,120 - 833,120 G6p von, dau to dai han (*) - - - - Tai san co Binh va bat dOng san dau tly - 10,457 - 10,457 Cac tai san Co khac (*) 423 1,463,073 0 1,463,497 T6ng tai sin 611,726 16,394,898 100,407 17,107,030 Niv phai tra va von chi' so, ht-ru -
Tien gin cua va vay tir NHNN va cac TCTD khac - 1,501,560 - 1,501,560 Tien gal dm khach hang 579,839 6,107,473 67,236 6,754,548 Cac cong cu tai chinh phai sinh va cac khoin ng tai chinh khac - 3,721,964 - 3,721,964 Von tai trg, uy that dau tv, cho vay ma TCTD chiu nil ro - 6,967 - 6,967 Phat hanh giay t& c6 gia - 2,171,673 - 2,171,673 Cac khoin ng khac 28,091 982,490 (31,722) 978,860
Von va cac quy - 1,683 - 1,683
T6ng ng phai tra va van chic sa, hiru 607,930 14,493,946 35,514 15,137,391 Trang thai ti6n t0 n01 bang 3,796 1,900,951 64,893 1,969,640 Trang thai fief, to ngoai bang - (1,597,055) 1,499 (1,595,556) Trang thai ti6n 0 n0i, ngoai bang 3,796 303,896 66,392 374,083
fl SHB
said metiers. nexaole solutions
Ngfin hang TMCP Sai Gan — Ha Ni