Hirt,lii SFtrB NcAN uANc rHtloNG M.{I co pnAlt srt coN - uA NgI 77 Trin Hrng Eao - Qu6n Hmn Kiim - lta NQi Tel: 04.39423388 Fax:04.39410942 86o crio thi chinh lryp nhAt Nhm 20ll NIAu s6: N-0,1a Chi ti6u TD - BANG CAN OOI TN TOAN Mi chi Thu16t tiOu minh 56 cudi kj Dott vi tlnh: LND 56 dAu nIm A. 'tr\l SAN | 'l'irin mit, r'drng bac, dri qu! ll 'ti6n griit4i \.'H\r- lll 'l'i6n, ving gii'i tai c6c TCTD khrlc vh cho vay cic'l'C-[D khtic I 'l'i3n, vang gui tai cac fCTD khac 2 Cho vay c6c f('TD klirc 3 Dg phdng rui ro cho vay c6c TCTD khac IV Chring khodn kinh doanh I Chung kho6n kinh doanh 2 Dg phdng giam gi6 chimg khohn kinh doanh V Cric cdng cg tAi chinh phrii sinh vi cric tii sin tdi chinh kh{c \'l Cho vay khdch hdng I (-'ho vay khach hirng 2 Du phong nii ro cho vay kh6ch lang VII Chr[ng khorin dAu tr I Chrmg khoan clAu u sin sdng & b6n 2 Chung kho6n dAu u git d6n ngay clao lun 3 Dg phdng girim gia chuiig kho6n dAu u VII| Grip viin, tliu tu dhi hqn 1 Edu tr.r vt\o c6ng ty con ^ .,i I VOrr gop tEn ooxnn -i Ddu ru vao cong ry licn ldt ,t Ddu tu ddi han kh6c : Dy phong girim gia d6u tr diri nan lx fii sAn c6 dinh ; , , . - ,. , I I ar san eo oilln lluu nnn a \tguy€n gia 7'SCD lfi'u hinh b Hao mdn TSCD httu hinh 2 Tdi siin c6 dinh rhr€ tdi chinh a Nguy€n gidTSCD b HaomdnTSCD I , J I ar san co olnn vo nnn a Nguy€ngiaTSCDv6hnh b Hao mdn TSCD v6 hinh X B6t C$ng sin tldu tu' a Nguy0n gi6 BDSDT b Hao mt)n BDSDT Xl I'Ai s:in C6 khtic | ( ac klrmn phai thu 2 CAc khuin ldr, phi pkii thu 3 Tdi siin thu6 TNDN hcan lai 4 Tdr sin C6 khdc - l rong do: Lqt lne lmtong m+1! 5 C6c khoan du phdng rui ro cho cfc ai sdn C6 nQi baing kh6c TONG TAI SAN CO n0 15 120 16 ltO t7 l3l 132 139 140 18 l4l 149 150 r9 t60 161 20 169 21 r70 22 171 172 t79 210 23 2tl 212 213 2t9 220 221 24 222 223 111 225 226 227 25 228 229 240 24l, 241 250 26 251 z),!. 253 254 255 259 300 425,218,979,260 3!1,712,661,358 I 8,845, I 7,1,6J2,855 I 8,845. I 74,632.855 U 0 17,768,098,800 36,129,220,068 ( 18,361, l2 I,268) 4,035,83,1,699 28,853,,18,1,066,397 29,208,169,895,91 I (354.685,829,s l4) 15,091 ,394,499,737 l 2,50 I,240, l 53,53 7 2,61 0,840,000,000 ( 1 4,68s,653,800) 999,8r0,r92,2t 3 0 0 U 999,810,192.213 0 2,2s1,982,825,323 I 67,78 I .341 ,002 . 252.594.628.1t7 (84,8i3,287,41s) 0 0 U 2,087 .201 ,484.321 2., l 06, 146,460.886 (18,944,97 6,565) 0 0 0 1,160,288,024,397 | .903 .497 ,899 ,t 12 1,67 t.491,961,488 U 885,29s,163,797 0 0 70,992,869,815,038 201,670,881,695 505,232,,194,164 l l,636,740,990,7r7 | | ,636.7 40.990.7l7 0 U 98,828,398,0,11 99,5 1 1.870.1 09 (683.472,068) 0 24,1 03,032,795,683 24.37 5,588,493,562 (272,s5s.697 "879) 8,767 ,942,24s,109 7.481,361. l 19.909 l ,3 00.000,000.000 (r3,41 8.874,800) J33,J89,000,000 L' 0 0 333,389.000,000 U r,s26,153,819,690 t26.554.397.690 t7 6,7 65,47 6.626 (50,2 1 l,078.936) U 0 0 I ,399,599,422,000 I ,406,365,498.,14 I (6,7 66,07 6,441) 0 0 0 J,859,870,637,,196 2,030,461 ,983,678 957,082,854J29 U 872,325.799.489 0 0 5l ,032,861 ,262,59.1 4 t I ,l \ Chi ti6u Nlf, chi Thuy6t s6 cuiii ty 56 tlAu nem B Nq PHAI rn-,i rA vON CHti SO Htrtr I C6c khtan nq Chinh phi rA NHNN J10 II Tidn gt'i vA vay ciia cfc TCTD khdc 320 t r.i I l ien sui cua cdc TCTD kh6c 321 2 Yay Ju.laro *u. 322 lll I'i6n gii'i cria khrich h)ng J30 lV Cdc c6ng cg thi chinh phrii sinh vir crlc khciin nq tiri chinh khric 310 ! \'6n tAi tro., uj th:lc diu tu, cho ray mir TCTD phii chiu nii ro 350 Vl Phrit hdnh gi6y td c6 giri 360 \'ll Cic khoiin Nq khdc 370 I C6c khcin lai, phi phai tra 371 2 'Ihu6 TNDN hodn lai phai r.i 372 3 C6c khuin phdi trri la c6ng no kh6c 373 4 Du phdng rui ro khdc 379 T6ng No.'phrii tri 400 VIII V6n vir c{c qu! 500 I V6n cria TCTD 410 a L'6n dtiu t€ 1l I b I'iin dtiu u XDCts 112 c '/ hdng cttr vdn c6 phcin 11 3 d tuphiduout' IlJ e ( 6 phi€u uu dtii 1l 5 g Viin khic 416 : Qul cria TCTD 420 3 Ch6nh lech ddnh gi6 lai ai srin 430 1 Chdnh lQch t1i gi6 h6i doAi M0 5 Loi nhuAn chua ph6n phoi 450 VIII Lq'i ich ciia cri il6ng thiilu s6 700 TONG Nq pHAr rn,( vA v6N cnU so Hr,tJ 800 cAc cui TrEU NGoAr BANG Nghia vg nq tidm 6n Bao linh var vOn Cam kdt trong nghidp ru L/C Bdo ldnh khric L{p bi6u 910 13 9ll 912 913 K6 Torin Truong , ,1. <iJlst" 2,r84,5s4,872,526 I 5,909,083,396,910 15,909.083,396,91 0 0 3,1,785,6 t 3,630,106 U 226,386,012,119 I 1,205,239,76t,180 8,17,600,136,254 s23.636,092.17 | 0 297.649,10t,s99 26,3r4,912,r81 65,158,,t77,809,695 5,83,1,392,005,J43 4,908,53 5,898,400 4,8 I 5,795,470,000 0 98,000,000.000 (s.259,571,600) 0 0 t7|.471,263,158 0 8,s88.743 7 51,376.2s5.043 0 70,992,869,815,039 3,208,805,978,726 538.227.852.678 903,7r6,r s0,812 13,271,538,819,9;l,l 13.271,538,8t9 944 0 25,6J3,6,14,194,087 2,899,590,s60 J80,398,211 ,6s7 5,745,355,768,40,1 912,093,669,771 685,020,330.679 0 219.143,670.139 7,929,668,653 ,16,849,616,735,231 4,183,211,527,359 3,590,25 9,498.400 3,497.5 19.070,000 0 98,000,000.000 (5,259.s71 .600) 0 0 169"290,979,36l, U 0 423,664,4$.598 0 51,032,861,262,594 l,269,565,208,99 I 5 87.663.956.526 28 29 l9 30 3l 3l 32 I I l J N Nguy1n Th! Ngpc Oanh /r,"'/a 1->'- Ninh Thi Lan Plurtmg 70 578,|26 018 681.90t.252.465 Jl rhang 0l nan 201 2 €/ ,, ^ *r 1',,\- NGAN itANG $mt 0Br{"liA ll0l A-r # :_ * srr[l NGAN HANG TN{CP SAI GON. HA NQI 77 Trdn Hrng Dao - Qudn Hctrn Ki6m - HA Nqi Tel: 04.39423388 Chi ti6u Brio c6o tAi chinh hqp nhAt Nnm 2011 NI6u s6: N-05a F ax 04 .39410942 TD - BAo cAo rcr euA HOAT EQNG KrNH DOANH - NAM NII chi ti0uThuv 6t minh Don w t[nh: L'ND Nim 20ll NIm 2010 I Thu nhip tu ldi va cac khoan thu nhap luong lU 2 Chi phi lai vd c6c chi phi trorg t.u lai t Thu nhdp Ini thuAn 3 Thu nh0p tu hoat clOng dich vu 4 Chi phi hoqt dOng dich vu II Leill5 thuen tir ho4t ilQng dich vr; Ill LAi/16 thuAn tir hogt dQng kinh doanh ngo4i h6i lV Lei/16 thuAn til mua bdn chring kho6n kinh doanh \i l.nil16 thuAn til mua bf n chring khodn diu tt 5 'l-hu nhdp tu hoat d6ng khac 6 Chi phi hoat d6ng khac VI Leil16 thuen tir ho4t dQng khdc VII Thu nhgp til g6p v6n, mua c6 phAn VIII Chi phi ho4t ilQng Lgi nhuin thuin tir ho4t ilQng kinh doanh tnrdc tx thi phi dq phdng riii ro lin dgng X Chi phi dg phdng riii ro tin dgng XI T6ng lgi nhuin trufc thu6 7 Chi phi th# TNDN hiQn hanh tam rinh 8 Chi phi th$ TNDN hodn lai },ll (:hi phi thu6'l NDN tam tinh Xlll t,oi nhu6n sau thu6 XIV Lgi ich ciia c6 ddng thi6u s6 XV Lii co b6n tr6n c6 phiiiu Ngufin Th! Nggc Oanh 01 02 OJ 04 05 0(r 07 08 09 l0 ll t2 t3 l4 l5 16 17 t8 r9 20 2l 22 23 33 34 39 38 ,10 J5 36 JI JI 7.7U0,1 84,735.045 s,8 83,.+74,082.654 l,896,710,6s2,391 256"350,332,96s 37,899.774.209 218,150,558,756 54,758,745,61 8 ( r s,884,249,200) (r 1,r86,281,0s6) 77.037,939.418 1,606,353,121 75,,131,586,327 9,229,096,900 l,l 24,753,797,588 1,102,756,312,148 101,260,517,806 r,00r,19s,161,342 248,066,666,86 I 0 2r18,066,666,861 753,129,097,481 3.716.847.935,089 2.520,682.531.t49 I,216,165,400,9,10 126,644.19s,9t8 20.180.767,645 106,163,128,273 53,1J7,867,529 9,526,527,932 56,691,572,1 03 52,029"0 r2,38s 11.9.+.1.6t6,81I J7,08,1,J95,57,1 7,090,116,677 679,s81,196,924 806,575,,112,l0d 149,8,12,780,307 656,732,631,797 I 62.403,5 16" 130 0 162,,103,516,130 49r1,329,1 15,667 p biOu rill tq I LA K0 torin Tru6'ng, OL il|, ,LL- Ninh Th! Lan Plantng fusru.N{fi iloi &rn:'.# iiiii;:iliiiiii SF{B lcAiv rlrrc rucp sAr con - HA N oI 77 Trin Hurg l)ao - Quin Hodn Kidm - IJi \6i 'I el: 0.1.39'123388 Far: 0-1.19.1109,12 I LTIU CHUYEN* TIEN TTIHOAT EQNG KINH DOANH I Thu nl4p l6i vri c6c khcun thu nhAp tong 111 nhQn tfur.lc 01 TD - BAO CAO I,U'U CHUYEN TIEN TE. PPTT - NAN DL'T. L.',\'L) 02 03 , L'hinh lich so liirr thuc thu/tlqc chi ru htnt cl6ng kinh doanh chung .,O Kn()illl. \ ilng me . llgl)ill Ic 5 'l'hu nhAp khdc 05 o 'l'iin thu c6c khoan nlr di dutrc ru lr roii. hu dip hing neu6n clu OU ' phdng rui ro 7 Tidn chi tri cho nhin vdn vi hot ilQng quAn li, c6ng vu (*) 0'1 8 Ti0nthu6thunhApthgcn6ptrongkj,(*) 08 Luu chuy6n tidn thudn.tu hoat tlOng kinh doanh truric nhfng On thay tt6i vd tii^sin vi v6n |uu rlQng Nhirng thay al6i vt tdi sdn hogl dQng 9 (Tdng)'G[m cic khoin tiin. vrng gti va cho vav cac ]'CTD khdc l0 l0 (Tnng)/Ghm cdc khoAn vA kinh doanh chung khodn I I , , (Tnns)rGiim chc c6ng cu tdi chinh phii sinh vd ciic tai sin tii chinh ,, - - khric 12 ( l'ing)'Grim czio khoan cho I'a1'khach hng 13 ,. tTing) Gnn ngu6n t1y pht\ng eaHu Oirp t6n thit cic khoan (tin ,O t ' .:lung. chtmg klroan. clAu o dai han) 14 (TIng),Ginm khac vd tii sin hoat tl6ng 15 NhiLng thuv dAi vi cAng n.r hoat al6ng 15 T[ng/(Ghm) cdc khoin nq Chinh phf n NHNN 16 16 Tnng/(Ghm) cric khodn tien gui. tidn vay cdc TCTD l'7 l7 T[ng/(Gim) tiJn grli cria kh6ch ling (bao gOm ca KBNN) 1 8 , * Tdr:g (Ghm r phit hdnlr gi6y ln co gid (ngmi tru giay to co 8ia phir , '" hanh dwc tinh vio htnl dong lii chinh) ,n Tnng/(G[m) v6n triLi trg, uj'thdc ctAu tu, cho vay md TCTD chu ,O nrl ro ,n Tirng,/(Gi1m1 c6o o6ng cu tdi chinh phrii sinh vd chc khohn no tdi ,, cnrnn Knae 21 Tdng, (Giim) khric v6 c6ng nt1 ho4t t16ng 22 22 Chi tri crio qu! cira TCTD (*) 23 Luu chuy6n tidn thuAn tu hoat tl6ng kinh doanh 24 II LUI] CHUYTN TIEN TI' HOAT DQNG DAU TT/ I N{ua sim tdi s6n c6 tlinh 25 2 Ti€n thu tir thanh lj, nluqng b6n TSCD 26 3 Tidn chi tu thanh li, nbirng b6n TSCD (*) 27 4 Mua sim trAt OOng s6n dAu u (*) 28 5 Tidn thu tu ban, thanh l! bit dQng san d.iu[ 29 6 Tidn chi ra clo b6n, thanh Ij' biir O,,,ng sdn tliutt (*) 30 7 Tidn chi tliu tr. g6p v6n vAo c6c don r'1 khAc 3 1 tl fiinthurliutr.g(rpv6nvAocdcdrvrrrikhdc 32 ,, Tiin thu cti tuc vii liri nhuirt clutrc chia lu cac khoan dau tu- eoP.r_, vtln dzir han Luu chuydn tiiin thuin tu hoat tt6ng tlAu tr Brio crio tii chinh hop nhit Nim 20ll MAu sii: N-06a 7.037.352.041.858 2.565,728.t55.694 (6.069.162,64e.876) (r.996.899.169.368) 218,450,558,756 106,463.728.273 26,4r 5,288.865 634,644.999.206 74.556.869.278 7.038.672.5,18 1,258.843.457 1.128.468.022 (.1,077 ,121.2t9.'/ 50) (6 s 8,795.795.4 5 r ) (365,813,388,650) (l 16.852.551.271) (1 54,3 63,656,062) 542,d56,507,652 (2,536,140.000,007) (1.n46.574,583.333) (6.222,86'7.810.046) (3.983.577.90s.729) (4,035,834.699) 3,663,026,809 14.832.581.401.31e; il 1.516.810.422.614) (739.000,000) (36.s06.009.00) (588.179.11rJ.917) (t.164.2'71.451,464) 1.280.838.721.711 903.716.150.8r; 2.631.511.576.96(t 3.328,134.888.421 9.151.969,136.319 10.961.497.946,905 5 .673.t13.7 02.413 s.745,3 5 5.768.401 (154,0).2.22().238) 34tt.5I1.057.793 (2,899.590.560) 42,603,159,17 5 (35,4s 1.660.740) 415,1,558,963,969 (73.00 I .43 8.s33 ) 181.lJ18.182 (282.9'72.295) 0 U 0 (682.421.t92.213) U 2.899.590.560.00 96.877,852.1 88 I 14.1 36 2,791,813,034,531 ('792;7 st.302.3 t7) ( 63,590.000,000 ) 1.288.978.200 6.851.045.677 (7 48,231,806,6-{9) (8,19,,190,2 56,640) 2 Chi phi ldi vri cr{c chi phitong lu tl61ri 3 Thu nh4p 1ri ho4t tl6ng dich vu nhAn rloc 3;l C'hi deu N.I'n:;rhi:::llh t tiGu rnifi Nnm20r1 i\*nrn 20f 0 ril Lriu cHtryEN ]'rd,N Tf rrodT DONG TAr cHiNH I 'fing r,6n cli6u 16 " TiAn thu tu phit hdnh gidy ttr c6 gi6 drii hpn c6 tiu di6u ki0n tinh - v?io v6n 1u c6 nl cric khcin v6n vay di han kh6c . Tidn chi thanhto6n gidl,td c6 gi6 drii hain c6 thi di6u ki6n tinhvdo - v6n tq c6 vi c6c khtnn r,5n vay di han kh6c 4 C6 uc rrA cho c6 ddng. lqi nhudn d chia (*) 5 'fiAn chi ra mua c6 phi6u ngAn qu! (*) 6 'l-i€n thu fut-yc do b6n c6 phi6u ngAn qu! Luu chuy6n tii:n thuin tu hoat il6ng tri chinh I\r l-rru chuy0n tidn thuin trong kj \'f i in vri cic khorin turmg dunng tidn tai thni tfi6m tliu kj, \'l l)i6u chinh rinh huri.ng cria thay ddi ti giri VII Tiin vi cric khorin tumrg ilutmg tidn tai thtri tli0m cuiii ki, K6 torin tr uirneiQjt ,/ \gu.y?n Thi .\goc Ounh tr'itth Thi Lon Ph mms 35 36 -)l 38 39 40 1l 12 13 11 45 r,3 I 8,276,400.000 0 ( I 79,385.600,000) (220.r93.050,420) t) 0 918,697,7d9,580 ,f ,.125,021,906,890 9,502,069,783,2 5(l 0 13,927,091,690,111 1.547.5 19.070.000 ( 409.00 5,63 9.500) (303.0s4.000) I,138,210,376,500 3,080,s33,t 54,391 6,,t2 t ,536,628,859 9,502,069,7 83,2 50 Lip bi0u V ,ry ngay 3l thdng 0l ndm 6v: S {tu \i' c0'iliAiill t - THUYET MINHBAO CAO TAI CHINII HOP NHAT Cho ndm 201 l ,, sHli NgAn hdng TMCP Shi Gdn - Hn NQi THUYE'I MINH BAO CAO TAI CUIXU HOP NHAT NAM 2OI1 1. Thdng tin v€ ngAn hing Gi6y ph6p ho4t ilQng 0041-NH/GP ngdy I 3 thring I I ndm 1993 GiSy phdp hoat d6ng do NgAn hdng Nhd nu6c Vi€t Nam cAp Thoi han hoat ddng cua Ngdn hdng la 40 ndm k€ tu ngay c6p gi6y phdp ddu ti6n. HQi tlOng Quiin tri 6ng D5 Quang Hi6n Ong Nguy6n Vdn L0 Ong Nguy6n Vdn HAi 6ng TrAn Ngoc Linh Ong'frAn'Ihoai Ong t.€ KiOn -l'hdnh Ban ki6m so:it Bd Ddm Ngoc Bich Ong Nguy6n Hiru Dfc Bd Nguy6n Thi Hdng Uy€n 6ng Luo'ng Dfc Chfnh Ong BiriThanh TAm Ong Pham Hoa Binh Ban'I6ng Gi:im d6c Ong Nguydn V[n LC Ong Ddng Trung D[ng Ong BniTin Nghi Ong L6 Ddng Khoa Pham VIn Thdng NgO Thu Hd Ninh "l'hi l-an Phuo'ng Truo'ng ban Ph6 Truong ban Thdnh vi€n Thdnh vi6n Thdnh vi€n Thdnh vi6n 'f6ng Gi6m d5c Ph6 T6ng Girim d6c Ph6 T6ng Gi6m d6c Ph6 T6ng Gi6m d5c Ph6 T6ng Gi6m d6c Ph6 T6ng Girim d6c K6 torin trudng Bd nhi6m ngdy l6 th6ng6 ndm 2008 BO nhiQm ngdy 16 th6ng 6 ndm 2008 BO nhiQm ngdy l6 th6ng 6 ndm 2008 BO nhi€m ngdy l6 th6ng 6 ndm 2008 86 nhiQm ngdy l6 thang 6 nim 2008 86 nhiQm ngdy l0 th6ng 8 nam 2010 B0 nhi6m ngdy 16 th6ng 6 ndm 2008 B6 nhiQm ngdy 20 th6ng 5 ndm 2009 Bd nhiQm ngdy 16 th6ng 6 ndm 2008 86 nhiQm ngdy 16 th6ng 6 ndm 2008 86 nhiQm ngdy 16 th6ng 6 ndm 2008 86 nhiQm ngdy 20 th6ng 5 ndm 2009 T6i bO nhi€m ngdy 08 th6ng 5 ndm2007 86 nhiQm ngdy 0l th6ng 9 ndm 2006 86 nhiQm ngdy 05 thring 6 ndm2007 Bd nhiQm ngdy l0 th6ng4 ndm 2009 86 nhiQm ngdy 01 th6ng l l ndm 2010 86 nhiQm ngdy 15 th6ng 3 ndm 201 I 86 nhiQm ngdy 27 thdngT ndm 2008 Chir tich uy vren Uy vi€n uy vlen LJy vi€n Thanh viOn ddc lap -Iru so chinh SO ll - frAn Hung D4o - Q.Hodn Ki6m - TP.Ha Noi - Viet Nam 2. D4c ili6m ho4t tlQng cria t6 chuc tin dgng Ngdn hdng Thuong mqi Cd phAn Sdi Gdn - fld Ngi (dudi ddy goi t6t ld "Ngdn hdng") ld m6t ngdn hdng thuo-ng mai c6 phAn ViQt Nam thdnh lap tai nu6'c Cdng hda Xd hdi Chu nghTa Vi€t Nam v6i thdi gian hoat dQng ld 40 ndm theo 0041-NHiGP ngdy 13 th6ng 11 ndm 1993 cta Ng6n hdng ,{ilSHB NgAn hhng TMCP Sii Gdn - HA NQi Nhd nu6'c Vi€t Nam. V6n di€u l€ cta NgAn hdng tai ngdy 3111212011 ld 4,815,795.470.000 dong (Bdn nghin t6m tr6m muo'i l6m t! bAy trdm chfn ldm triQu b6n trdm b6y muoi nghin ddng). FI6i so'chinh cua NgAn hdng d4t t4i 36 77 - TrAn Hu'ng Dao - Q.Hodn Ki6m - Ha Ngi - Vi0t Nam. Tai ngdy 31ll2l20l1, Ngdn hdng c6 2840 nhdn vi€n (DAu ndm 20 ll: 2022 nhdn viOn) . 3. T6m tit cfc chfnh sfch k6 torin chii y6u ChuAn mrlc vh ctr6 Og k6 torin rlp dgng Ngdn hdng trinh bdy cdc b6o ciio tdi chfnh bdng ddng ViQt Nam (VND) theo LuAt cac To ch[rc Tin dung, LuAt sua d6i vd b6 sung mOt s5 diOu trong LuAt ciic T6 chfc Tfn dung. cac chuAn muc k6 to6n Vi€t Nam vd HQ th6ng K6 to6n cac t6 chuc tin dung Vi€t Nam. Kj brio c:io vir tlcrn vi ti6n tQ Kj, b6o ciio c0a Ngdn hdng bat dAu tir ngdy 0ll01l20ll vd k;5t thfc vdo ngdy 3lll2l20ll. Don vi ti€n tQ sri'dqng trong ghi chdp k6 to6n ld ddng ViQt Nam (VND). 4. Nguy€n tfc ghi nhfln cfc nghiQp vg blng ngoai tQ vh quy tl0i Theo h€ th6ng k6 toiin cira Ngdn hdng, tht cd c6c nghiOp vu ph6t sinh cua Ngdn hdng duoc hach to6n theo nguy€rr te. Tai thoi diem cu6i nAm, tdi s6n vd c6ng no- c6 ngu6n gdc ngoai td du'o-c quy d6i sang VND theo t! giri quy dinh vdo ngdy lQp bang cAn d6i kC to6n. C6c khoan thu nhdp vd chi phi bing ngoai tC cua NgAn hdng cluoc hqch todn bing VND theo ty gia vdo ngdy ph6t sinh thOng qua giao dich mua biin ngoai t0. Chdnh lQch tj' giri do cl6nh gi6' lai ciic tdi khoAn kinh doanh ngoai tO cluo. c hpch toan viro bao c6o K6t qud Hoat ddng Kinh doanh vd lo-i nhudn Ce tai. Ch€nh l€ch tj' giSph6t sinh do quy d6i cric tai sAn vd c6ng no kh6c bdng ngoai td sang VND tluoc xri'ly vdo doanh s6 cta ciic khodn mpc tuong fmg tr€n b6ng cdn A5i t6 to6n vdo ngdy lAp b6o c6o tdi chf nh. 5. Chring khoin clflu tu gifl tl€n ngiy tt6o h4n Chfng khoiin no- giir d6n ngdy cliio han ld c6c chf'ng khoan co k! han c6 Cinn vd ciic kho6n thanh to6n c6 Olnti ho6c c6 thrS x6c clinh cluo. c vd Ban 'I6ng Gi6m d6c c6 1i. dinh vd c6 kha ndng giir d6n ngdy d6o han. Ngdn hdng clang ghi nh6n c6c chfng kho6n ndy theo gi6 g5c cdng ldi du thu tril ldi cho phAn b6. Gi6 tri phu trQi hodc chi6t kh6u (nt5u c6) cfing clugc ph6n 6nh vdo gi6 tri ghi s6 cua khodn dAu tu. Ldi tlugc du thu ho4c phAn b6 theo phuong ph6p cluong thdng. Chu'ng khoiin duo-c giir d6n khi d6o han o€ duoc xem xet vd kh6 ndng gi6m gi6. Chfng kho6n duo-c l6p du phong gi6m gi5 khi gi6 tri thi trud'ng nho hon gi6 tri ghi s6. Du phong gidm gi6 dugc ghi nhAn vdo bao cao k6t qud hoat cl6ng kinh doanh. '.(.inr'lVaSHB Ngin hing TMCP Sii Gdn - Hn NQi 6. Chfng khorin tIAu tu sin sing AO nen Chri'ng khoiin dAu tu' sin sirng cl€ b6n ld c6c chri'ng kho6n dugc giir trong thd'i gian khong 6n dinh trudc, c6 th€ dugc b6n Oe Oap fng nhu cAu thanh khoAn hodc d€ ung pho vdi trudng hoo thay d6i lai su6t, ti gi5, hoic giStri chf'ng kho6n. NgAn hdng dang ghi nhAn c6c chfng kho6n ndy theo gi6 gdc c6ng lai du thu trir ldi cho phdn U6. Cia tri phu trdi hodc chitit khAu (n6u c6) cfing cluoc ph6n 6nh vdo gi6 tri ghi sO cria kho6n dAu tu. Ldi tluo-c du thu ho4c phdn b6 theo phuong ph6p ducrng thdng. C6c chftng kho6n ndy duoc d6nh gi6 dinh k! theo gi6 tri thi truong vd du phong giam gi6 tri sC duoc lAp khi gi6tri thi truo'ng nho ho'n gia tri ghi so. Dq phdng gi6m gi6 cluoc ghi nhAn vdo bdo c6o k6t qud hoat dQng kinh doanh. 7. Chfng kho6n kinh doanh Chf'ng kho6n kinh doanh ld chfng kho6n ban dAu duo-c mua vd n6m giir cho muc clfch kinh doanh trong ngSn han hodc n6u Ban T6ng Gi6m d6c quytit clinh nhu vQy. NgAn hdng dang ghi nhAn c6c chung kho6n nay theo gia g5c vdo ngdy giao dich, Trong cric kj, ti6p theo. c6c chrl'ng khodn ti6p tuc dugc ghi nh6n theo gia g6c. Tuy nhi€n, gi6tri thi trud'ng cua c6c chf'ng kho6n v6n duoc NgAn hdng rheo d6i d6 d6nh gi6 ve ma ndng gidm gi6 khi gi6tri thi trudng th6p hon gi6 g6c. Ngoai trir trudng ho-p khdng th6 x6c dinh gi6 tri thi truong mQt cach ch6c chSn thi gia tri cua chftng duoc tinh dua rr€n nguy€n gi6 sau khi tril di t6n thAt u6c tinh (ni5u c6). Lai hodc l5 tir kinh doanh chung kho6n clu'o. c ghi nhAn tr€n bao cao ktlt qua hoat dQng kinh doanh theo s6 thuAn. 8. Cdc khoin cho vav C6c kho6n cho vay ngfn han c6 k! han du6'i I nim; c6c khodn cho vay vd cho thu6 tdi chfnh trung han c6 kj,han tu I ndnr d6n 5 nam vd c6c kho6n cho vay vd cho thu€ tdi chfnh ddi h4n c6 kj, han trOn 5 ndm kd tir ngdy gi6i ngdn. Viec phAn loai no va lap dp phong rui ro tfn dung duoc thuc hien theo Quy€t dinh s6 4g3l2005lQD-NHNN ngiry 22 th6ng 4 ndm 2005 va Quyet dinh s6 l8/2007/QD-NHNN ngdy 25 thdng 4 ndm 2007 cua 'l'h5ng d5c Ngdn hdng Nhd nu6'c Vi€t Nam. Ciic khoAn cho vay duoc phAn thanh ndm nh6m no- cdn cu vho tinh hinh tra no- vd cac y6u t6 dinh tinh nhu sau: Nhdm 1: Nq dil ti|u chuan o C6c khoin no trong h4n md Ngdn hdng cl6nh gi6 ld c6 cli khd ndng thu h6i dAy dri cA gdc vd l6i dirng thd'i han; o Cfrc kho6n no- qu6 han du6'i 10 ngdy vd Ngdn hdng d6nh gi6 ld c6 khA nang thu hdi day dn g6c vd l6i bi qu6 han vd thu h6i dAy dn gdc vd l5i dirng thoi han con lai; Nhim 2 |tlq t'an chu y . Cdc khoAn no qu6 han til l0 ngdy cl6n 90 ngay; o C6c khoan no di6u chinh kj'han trd no lAn clAu; "/lffilSHB Ngdn hhng TMCP SiiGdn - HA NQi . Cac khoan no- co'c6u lqi tho'i han trd no trong han theo thdi han dugc co c6u lai. Nhdm 3. No droi tidu chuan o C6c kho6n no quii han tu 9l d6n 180 ngdy; o C6c kho6n no- co'c6u lai thoi han trA no ldn clAu, trir c6c khodn no cli€u chinh kj, han trd no lAn dAu ph6n loai vdo nh6m 2; o C6c khodn no ducvc mi6n hodc gi6m l6i do kh6ch hdng khdng dU kha ndng trA lai dAy du theo hop dong tfn dung: Nhdm 4: Nq nghi ngo o C6c khoan no- qu6 han tir 18l ct6n 360 ngdy; . Chc khodrn no- co c6u lai thoi han trA no lAn dAu quii han du6'i 90 ngdy theo thd'i han trA no duo-c co cAu lai lAn dAu; . Cac khoAn no co cdu lqi thoi han trA no lAn thu hai; Nhrim 5: Nq c6 khd ndng ntiit viin r C6c khoan no- qua han tr€n 360 ngdy; . C6c khoan no- co cAu lai thoi han tra no- lAn ddu qu6 han tir 90 ngdy tro l€n theo thd'i han tra no- duo. c co c6u lai tAn dAu; . C6c khoan no- co c6u l4i thoi han trir no lAn thu hai qurl han theo thoi han trd no- duo-c ccv c6u lai lAn thu'hai: . Circ kho6n no co c6u lai thd'i han tr6 ng lAn thtl ba tro l6n, k6 cA chua bi quii han hoic cl6 qu6 han; o Cdc khodn no- khoanh, ng chd xu ly; Theo Quyt5t dinh s6 ISZDOOSiQD-NHNN ngdy 22 thdng 4 ndm 2005 vd Quyt5t dinh s6 l lSl2007IQD-NHNN ngdy 25 th6ng 4 ndm2007, O5i vOi c6c khoan no qua han, t6 chu'c tin dung phAn loai lai vho nh6m no- c6 rui ro th6p hon khi Ngdn hdng ddnh giri ld c6 dn kha ndng thu nOi OAy du cA g6c vd ldi; vd kh6ch hdng c6 tdi li€u, h6 so chring minh c6c nguy€n nhAn ldm kho6n no ndy quii han duoc xu ly, khic phuc. Ngdn hdng chir ilQng tu quy6t dinh ph6n loai c6c khoAn no- vdo c6c nh6m no rfii ro cao hon tuong fng v6'i mric clQ nii ro khi xiry ra mdt trong i6c trudng hop sau cl6y: o Khi c6 nhirng di6n bitin b6t loi tir t6c ddng tiOu cgc d6n mdi trudng kinh doanh vd lTnh vuc kinh doanh; . Ctrc chi tiOu tdi chinh cta khSch hdng hodc kh6 ndng trd no cta kh6ch hdng bi suy gi6m; o Kh6ch hdng khOng cung c6p cho NgAn hdng c6c thdng tin tdi chinh kip thoi, dAy du vd chinh xiic dc Ngdn hdng ddnh gi6 kha ndng tra no cua kh6ch hdng. Du phdng rrii ro tin dgng: Vi€c tinh du phong cu the du'oc cdn cri'tr€n cric ty l€ 6p dung cho tlng nh6m no- nhu sau: 4 [...]... tu thdi diem lqp bao c6o tdi chinh cho tdi k! dlnh lai ldi su6t gAn nh6t cria c6c kho6n mgc tdi sdn vd ngudn v6n C6c gih dinh vd di€u kiQn sau du'o c rip dqng trong phdn tich thoi han clinh lai l6i suAt thuc tti cira c6c tdi s6n vd o6ng no cta NgAn hdng: Ti€n mdt, vdng bac d6 qu;f ; g6p v6n dAu tu ddi h4n vd ciic tdi sAn c6 kh6c (bao gdm tdi s6n c6 dinh, b6t dOng s6n dAu tu vd tdi san c6 kh6c, trir uy... ,253 lf rfri ro li6n quan tl6n cric cdng cg Muc ti6u cfia NgAn hang ld t6i cla hOa gi6 tri dAu tdri chinh tu ctra c6 ddng, giir virng t5c clQ tdng truong loi nhudn vd tinh hinh tdi chinh ldnh manh Do vQy, vi6c sri dung c6c cdng cu tdi chinh bao giim nhdn tidn grJri cta kh6ch hdng vd dAu tu vdo c6c tdi sdn tdi chinh c6 ch6t luong cao dd tro thdnh ho4t clQng mang tfnh then ch6t giup NgAn hdng clat dugc... ma Ng6n hdng phdi bo ra d6 c6 dugc tdi sdn c6 dinh tinh cltln thoi cli€m ctua tdi Tdi sin c6 dinh cfugc tinh kh6u hao theo phuo-ng phrip duong thang cle tru dAn nguy€n gi6 tdi sAn trong sudt thdi gian hiru dung u6'c tfnh nhu sau: sdn cl6 vdo trang thdi s6n sdng su dung ., I -; - Nhd cua, vat ki€n truc l0 - 25 ndm - M6y m6c, thitit bi 03 - 05 ndm - Phuorrg tiQn vQn tdi 06 - Dung cq qudn lj vd phAn mdm... Cho thu0 tdi chinh C6c khodn trdthay kh6ch hdng ,: i 'Cho vay bang vdn tdi tro uy thac ddu tu 2,270,922,114 10,718,810,67 4 20,g14,017,47; Cho vay ddi vdi c6c td chri'c, c6 nhdn nudc ngodi Cho vay kh6c 203,274,991,859 9,687,046,606 29,208,169,895,911 24,375,588,493,562 Ncr cho vay duo-c khoanh va no- chd'xu' ly l0 WSHB Ngdn hing TMCP Siri Gdn - Hn NQi 20.1 PhAn tich chAt luqng nq cho vay 311t2,t2011 VND... ddn trong di6m (c) hoic (d) T6m t6t mdt s5 giao dich l6n v6'i c6c bdn li6n quan trong ndm 2011 nhu sau: C6c giao dich Thanh to6n dich vu quang c6o 'fhu tu'dich vu uy thac dau tu Thu c6 tfc tir c6ng ty li€n quan ttdng 15.869,965,336 128,887,512,379 7,034,800,000 28 lilriill $SHB Ngin hhng TMCP Shi Gdn - Hi NQi fiinr tdl cdc khoan phAithu phAitrir car: b€n li6n quarr taithoi . tai c6c TCTD khrlc vh cho vay cic'l'C-[D khtic I 'l'i3n, vang gui tai cac fCTD khac 2 Cho vay c6c f(&apos ;TD klirc 3 Dg phdng rui ro cho vay c6c TCTD khac IV. uj'thdc ctAu tu, cho vay md TCTD chu ,O nrl ro ,n Tirng,/(Gi1m1 c6o o6ng cu tdi chinh phrii sinh vd chc khohn no tdi ,, cnrnn Knae 21 Tdng, (Giim) khric v6 c6ng nt1 ho4t. vd tii^sin vi v6n |uu rlQng Nhirng thay al6i vt tdi sdn hogl dQng 9 (Tdng)'G[m cic khoin tiin. vrng gti va cho vav cac ]'CTD khdc l0 l0 (Tnng)/Ghm cdc khoAn vA kinh doanh