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:u*itii FiFXS$ xcAx s"ixc rnUoNG NrAr co pHAx sir cox - uA rror 77 Trin Hung Dao - Qudn Hoin Kiinr - Ha \r:r IJ:in crio tii chinh ri6ng 16 Qu! II niim 2011 l{iu s6: Q-01a Drnt yt tinh: I4rlD S0 deu nirr 0111t2011 TD - BANG CAN DOI KE TOAN .\li ctu 1 i,u1ir ti6u minh 110 720 130 tJ1 IJL r39 140 t4l t49 150 160 161 169 170 171 172 t79 210 211 212 /I) 214 219 220 2?,7 222 223 1n ^ 225" 226 221 ).28 229 2,t0 241 241 250 251 252 253 254 259 300 Tel:04.39423388 Fax:04.39410942 Chi ti6u .{. TAI Si.\ I 'Iidn mit, v:ing bac, ct:i quy Il Ti6n grii tri NI{NN III Tiiin, vnng grii tai ciic TCTD t:hric va cho val cric TCTD khric . i I Tien. ving g.rii tri cric TCTD khic 2 Cho vay cdc TC-f D khzic 3 Dq phdng nii ro ciro vay cic TCTD kh6c IV Ch{mg khodn kinh doanh I Chrmg khorin kinh doanh 2 Du ph6ng ginm girl chung khorin kinh doanh V Cic c6ng c\r tii chinh ph:ii sinh vir cic tii sin tii chinh khic VI Cho vay khfch hing 1 Cho vay khrich hdng 2 Du phong rrlj ro cho vay khrich hdng VII Chung khodn etAu nr I Chunq khodn diu nr sdn sing dd bdn 2 Chring khorin diu nr git diin ngdy d6o han 3 Dg phong eirim gi6 chfmg kho{n diu trr YIII G6p v6n, tliu tu dii hsn 1 Diu trr vio c6ng ty con ^ ,,l l von gop lren ooaill I Edu tu vio c6nq tv lien kCt rl F)du hr dai han khic 5 Du phong gidm giri ddu tu dAi han IX Tni s:in c6 alnh :. ,,- ,., I l al san co olnn nrru nlilt a )Vguy/n gra |'SCD htiu hinh b Hao mdn TSCD hilz hinh i , ., ^ _ Z I ar san co drnh thu€ tdr chinh a Nguy|n gia TSCD b Hao mdn TSCD 1,., J I al san co olllJl vo nlnn a Ngu1,6n gra I'SCD v6 hinh b Hao ntbn TSCD vd hinh X Bdt aOng sin tliu tu' a Nguy6n gid BDSDT b FIao mdn BDSDT X Tni sin Crl khric 1 Cric khodn phrii thu 2 Cric khotin ldi, phi phrii thu 3 Tii sin thuc TNDN hodn lai 4 Tdi srin C6 khic 5 Cric khoin du phong rui ro cho cic tdi sdn C6 n6i bdng khrlc TONG TAI SAN CO 15 to 77 20 21 22 18 l9 Sii cuoi kr 30t6/2011 321,307,923,088 1 83,6,10,285,7 02 17,426,29,t,521,863 \7.426,2911.521.863 9,2,t9,932,07'l 26,578,1 94,378,831 26,864.669.950,830 (286.47 s,57 r,999) 8,941,1 78,665,895 7 .954.9,16,191 .656 1,000 000.000.000 (t3.761 .525.7 6t) 3.12,889,000,00r) 20.000.000,000 3 22.889.000.000 2,185,1 99,211,931r 137,366-1 19,145 2()(r,) I [:,b i l, /84 (63.152,152.639) 2,047 ,833,094,7 93 2,0 56,639.664.0S I {8.806.569,2tr8) 2 01,358,.161,805 505,232,494,1 6.1 1 1,636,661,809,81 9 1 r,616,661,809,819 24,028.598,2 95,683 24,301,153,993,562 -272,5 55,69'/ ,879 8,517 ,942,245,109 7,231,361.r 19,909 1.300,000,000.000 -13.4I8,874,800 337,389,000,000 20,000 3 17.389.000.000 1,525,1 33,248,461 125,533,826,461 17 ).?.i r ,381 .982 ^49,7.n .561,521 1,399,599,422,000 1.406;36 5.2198, zl4l -6.766,0'76,441 4,2.67,547 ,414,473 i.791,1.59 449,061 979,580.778,436 r,490.80't .2t6,916 5 1,013,862,999,454 23 1.4 25 zo 5,129,87 6,29'7 ,582 1.50 1.345,62 1,006 1,6'l0.560,839,592 1,95 7,969,836.984 6 1,1 17,830,2 1B,9 13 Page 1 Chi ti6u )II chi Thuy0t ti0u minh 56 cu6i ki 30t6t2071 56 diu ndm 07t1/2017 B r*q PHir tni Yi voN CHi-so HUtr I Cic khoin no'Chinh phu vn NHNN ;" m.l II I ien gui va vey cu.r cic TCTD khic I Ti6n gui cia cric TCTD khdc 2 Vay cdc TCTD khric III Ti€n gui cria khrich hing IV Cric cdng cu tii chinh phfi sinh vi c:ic khoin no.'tiri chinh khic V V6n tiri tro, uj'thric diu tu, cho vay mn TCTD phii chiu rrii ro VI Phtit hanh giiy to c6 gin VII Cric khoin Ncy khric I Crlc khodn ldi, phi phni trri 2 Thu0 TNDN hodn lai phai tri 3 Ctic kltoin phdi trA vri c6ng no khric 4 Dg phdng rui ro kh6c T6ng Nq phii tri VIII Viin vi c:ic qu! 1 V6n cLia TCTD ,,i ) ,- a von dreu le b Viin diu tr XDCB , | : ,l c I nLlng dr von cO phan d Cd phidu quy a) r.l e eo Signature Not Verified Được ký NGUYỄN VĂN LÊ Ngày ký: 19.05.2016 14:57 Contents 04 Message of Chairman of Board of Directors 08 Highlights in 2015 12 Achievements and recognition of the society 20 General information 36 Operation in the year 46 Report of the Board of Management 58 Evaluation of the Board of Directors on performance of the bank 62 Corporate Governance 68 Financial Report 151 SHB Network Message of Chairman of Board of Directors Ladies and gentlemen! In 2015, Vietnam’s economy has well recovered thanks to drastic policies of the Government and Ministries GDP growth exceeded the target set earlier in the year, inflation was controlled at a low level, export growth was good, foreign investment improved, and the financial market was stabilized Following successes on the path of development, in 2015 SHB continued to grow dramatically in every aspect, standing in Top largest private commercial joint stock banks of Vietnam Total assets reached VND 204.7 trillion (asset growth of 21.1%), customer loans reached VND 131.4 trillion, customer deposits reached VND 157.5 trillion (deposit growth of 23.7%), and profit reached over VND 1.017 trillion In particular, non performing loans were actively resolved, decreasing to only 1.72% at the end of 2015 Closing the year of 2015, SHB is present in nearly 40 provinces and cities nationwide and in Laos and Cambodia (in 2015 SHB opened more branches in Cambodia) The active opening of more branches and transaction offices both at home and abroad confirmed SHB’s gradual realizing of the strategy to become a leading modern multi-functional retail bank in the country and in the region by 2020 Not only fulfilling business targets adopted by the General Shareholder Assembly, SHB also constantly enhances its credibility by being selected by the State Bank of Vietnam, the Ministry of Finance and foreign financial institutions as an on-lending bank for ODA projects Moreover, SHB is also actively involved in financing key national projects such as transport infrastructure, oil and gas, electric power, agricultural and rural development, lending programs for temporary rice storage, financing tea and rubber plantation, etc and especially offering distinctive products with many incentives to small and medium enterprises and supporting industries In addition, charity work has been focused on, creating a feature image of a dynamic, socially responsible and community friendly SHB The year 2015 also marked many important events of SHB SHB was one of the first two Vietnamese joint stock commercial banks allowed to open subsidiary banks in Laos After successfully acquiring Habubank in 2012, in 2015 SHB was approved by the State Bank of Vietnam to acquire Vinaconex-Viettel Finance Corporation, enabling the bank to expand size and scope, reaching Saigon-Hanoi Commercial Joint Stock Bank closer the goal of becoming one of leading retail banks in Vietnam The signing of strategic partnerships with large corporations and economic groups in the country and partners in Africa and in America is constantly being strengthened and expanded Ladies and Gentlemen! Entering 2016, the economy has appeared new difficulties and challenges alongside the old and existing ones Based on analysis of business operating environment, closely following directions of the Government and the State Bank of Vietnam, in 2016 SHB’s orientations are: continued innovation and creativity in management, governance, focus on risk management, operational safety, enhancement of financial capacity and quality of human resources, strengthening the structure, organization, regulations and business processes, development of new quality products appropriate for each customer segment, increasing the proportion of fee income, gradually bringing the bank closer to international standards Besides the fulfillment of 2016 business objectives set out by the General Shareholder Assembly, SHB will deploy significant missions: establishment of SHB’s consumer finance company, officially opening a subsidiary bank in Cambodia Continuing to promote core values in corporate culture - unity, dynamism, always competing by difference making, all SHB’s officers and employees will continue their efforts to overcome difficulties and challenges and promote available resources, effectively capture and deploy business opportunities to develop the bank strongly and sustainably in 2016 and following years for your prosperity and that of the country Wishing you health, happiness, and success! BOD Chairman Đỗ Quang Hiển SHB Annual Report 2015 Highlights in 2015 Saigon-Hanoi Commercial Joint Stock Bank SHB cam kết đồng hành với phồn vinh đất nước, thịnh vượng Quý cổ đông, đối tác Khách hàng SHB Annual Report 2015 Highlights SHB was honored to welcome Deputy Prime Minister Nguyen Xuan Phuc’s visit on the occasion of Lunar New Year to the head office of the Bank SHB was honored to welcome Politburo Member Dinh La Thang’s visit to SHB Ho Chi Minh Branch ...S),\SSf{B rvcAr: HAxc rHU'oNG u4r co pnAN sal coN - HA Nor 7l Trin Hung Dao - QLran Hoan Kiern - Ha N6i 86o c6o tii chinh hqp nh61 Quf III nIm 2011 N{Au sii: Q-01a Tel: 04.39423388 Fax 04.39410942 Chi ti€u TD - BANG cAx ool KE ToAN M5 chi ti6u ThuyOt minh Sii cu6t t5, Don vi tinh; Vl\rI) 56 oiu nam TAI SAN Tidn m5t, vbng bac, tI6 quf Tidn grii t4i NI{NN Ti6n, vhng gii tai c6c TCTD kh6c vA cho vay c6c TCTD kh6c Tien. vang gui tlr cac TCTD khric Cho vay cric TCTD khric Dr,t phdng rui ro cho vay ciic TCTD kh6c Chfng kho6n kinh doanh Chnng klroan kirrh doanh Du phdng gidrn giri chung khodn kinh doanh C5c c0ng cg thi chinh ph6i sinh vi c6c thi srin thi chinh khdc Cho vay.kh6ch hing Cho vay khiich hing DU phdng rui ro cho r.,ay khdch hing Chring kho6n tlAu tu' Chung khoin daLr ru sin sang dd ban Chung khoiin dALr tu giir d6n ngiry d6o han Dr,r phbng giam gi:r chunc khoin dau ru III G6p v6n, tlAu tu dhi han , ^l r taLl nJ vao coltg t) con 2 Vdn g6p liOn doanh 3 EAu tu vbo c6ng ty li€n kOr ,1 DAu tu dhi han khiic 5 Du phbng giam gia dau tu dai han IX Tii sen c6 dinh I I ai san co dinh huu hlnh a Ngu1,€n gid TSCD hilu hinh b Hao mbn TSCD hfr,u hinh ; _. , 2 I al san co dinh rhuc tai chinh a NgutAn gid TSCD b HaomdnTSCD ; , 3 -l'ui san co dinh r o hlnh a NguyAn giti TSCD vb hinl't b Hao mdn TSCD v6 hinh X n6r Oqng san rlau tu' a Nguyen gir{ BDSDT b Hao mbn BDSDT XI Thi sdn C6 kh6c I C6c khoan phrii thu 2 Cdc khodn ldi, phi phdi thu 3 Tii san thu€ TNDN hoin iai 4 Tii srin C6 khdc - Trong do. Loi tlrt; thLrrng mai < il^ t-L^1 -1, ,r-\ J u e Nrv4u uu pilulig rul tu ullu cac lal sall r_o nol oang Knac TONG TAI SAN CO A. I II III I 2 3 Iv I 2 V VI I I 15 l6 t7 110 t20 130 131 IJL t39 140 t41 149 150 160 l6l r69 t70 171 172 179 2t(l 211 zt2 213 2t1 219 220 221 ^ 222 223 aa / 225 226 22'l 228 225 24(l 241 24) 250 251 252 253 251 255 259 300 18 312,041,555,960 599,69r,351,22r 19,470,095,722,999 19,470.095.722"888 39,734,939,419 40.418,41r,187 (683.472,068) 8,712,466,949 27,958,61.6,951,359 28.267 .266.631.476 (308,649,680, I I 8) 12,142,510,442,769 8,311,537.779,569 3.844,340.000,000 ( 13,367.336.800) 1,560,404,000,000 I .560,404,000.000 2,187,573,379,301 L38,052,217,112 208.556,361 .788 (70,504.114.616) 2,049,527,I62,L99 2,058.899,1r8,391 (9,3',77 ,956.2-02) 5,472,189,495,579 I ,906,591 .071,481 2.72I ,330,599.985 841,261.814,\t3 69.7sr.570.298,243 201,670,991"695 505,232,494,764 I1,636,740,990,717 il ,636.710.990.7 t7 98,828,39tt,041 99,5 1 1,870,1 09 (683,472,06E) 24,103.032,795,683 24.375.5 88,493,5 62 -272,555.697 ,8'79 8,767,942,245,709 7,481,361 ,1 19.909 1.300,000,000.000 (13.418,874,tt00) 333,389,000,000 333.389.000,000 1,526.153,919,690 L26.554,397,690 17 6.7 65.4'l6.626 (50,21 1.078,936) 1,399,599,422,00(l 1.406,365,498.441 (6;t66.016.44t) 3,859,970.637,496 2,030.461 .983.684 957.082.854.329 817,325.799.483 51,032.861.262,594 2 VT 19 20 2l 'r) 23 25 Chi tiOu l\{A chi Thu5'6t tiOu minh 56 cudi kj 56 tldu nim B NOpnAr rnA vAvoN cHUSoHUU I C6c khoin ng Chinh phri vh NHI{N II Ti6n gfri vh vay ciia c6c TCTD trh6c I Ti€n grii c0a cdc TCTD kh6c 2 Yay cdc TCTD khric III Tidn giii cria kh6ch hing IV C6c c6ng cu thi chinh ph6i sinh vh c6c khoin ng'tii chinh kh6c V Viin tiri tro. , uy th6c tliu tu', cho vay mi TCTD phfri chiu rti ro VI Ph6t hnnh gi6y td'c6 gi6 \-II C6c khoin No kh6c I Ciic khoan lai. phi phai tra 2 Thu6 TNDN hodn l4i phai tra 3 Cdc khoan phai tr a r a cong no khac 4 Du phbng rui ro khdc Tdng Nq'phdi lra VIII \r6n v]r cdc qu! I V6n cLla TCTD ,,; z.) a I on dleu le b Ydn dau tU XDCB ' ; . ': c I hanp au t'un co pnan d Ca pitiau qut ^^ . ': e Lo phteu SHB NGAN HANG THVONG M21 C6 PHAN SAI GON - HA NO 77 Trail Hung Dao - Quart Hoan Kim - Ha NOi Tel: 04.39423388 Fax: 04.39410942 Bao cao tai chinh rieng le Quy III ram 2012 MAu se: Q-Ola Chi tieu TD - BANG CAN DOI Kt TOAN MA chi Thuyet tieu minh SO cuOi ky Don vi tinh: VND SO diu nam A. TAI SAN I Tien mat, yang bac, da quf II Tien girl tai NHNN III Tien, yang giri tai cac TCTD khfic va cho vay cac TCTD khac 1 Tien, yang girl tai the TCTD khac 2 Cho vay the TCTD khac 3 Dv phong rui ro cho vay cac TCTD kirk IV Chun khoan kinh doanh 1 Chung khoan kinh doanh 2 Dv phong giarn gia chirrig khoan kinh doanh V Clic cling ca tai chinh phai sinh va cac tai san tai chinh khic VI Cho vay khfich hang 1 Cho vay khach hang 2 Dv phong rai ro cho vay khach hang 52786 , Ch'ing khoin diu ttr fixing khoan dau tu sari sang de ban frng khoan dau tu gift den ngay dao han phong giarn gia chirng khoan dau tu 6p von, diu ttr dai ban Diu tu vao Ong ty con 2 V& Op lien doanh 3 Dar' tu vao ding ty lien ket 4 1)&1 tu dai han kirk 5 Dv phong giam gia dau tu dai han IX Tai san co dinh 1 Tai san c6 dinh him hinh a Nguyen gia TSCD haw hinh b Hao mon TSCD huu hinh 2 Tai san c6 dinh thud tai chinh a Nguyen gib TSCD b Hao mon TSCD 3 Tai san c6 dinh vo hinh a Nguyen gia TSCD v6 hinh b Hao mon TSCD vo hinh X Bet dang san dau tu. a Nguyen gia BDSDT b Hao mon BDSDT XI Tai san CO kink 1 Cac khoan phai thu 2 Cac khoan lai, phi phai thu 3 Tai san thud TNDN hoan lai 4 Tai san C6 khac - Trong do: Lqi the thuang mai 5 Cac khoan chr phong rui ro cho cac tai san C6 ni5i bang khac TONG TAI SAN CO 110 15 656,815,054,142 425,103,583,283 120 16 1,666,848,123,213 35,111,525,637 130 17 25,826,658,382,558 18,608,137,989,519 131 25,826,658,382,558 18,608,137,989,519 132 139 140 18 121,604,500,000 141 122,303,000,000 149 (698,500,000) 150 19 2,434,936,718 4,035,834,699 160 45,278,251,048,940 28,803,694,090,215 161 20 47,110,791,966,228 29,158,660,639,905 169 21 (1,832,540,917,288) (354,966,549,690) 170 22 13,362,389,921,384 14,847,394,499,737 171 7,761,063,771,482 12,251,240,153,537 172 5,717,151,754,367 2,610,840,000,000 179 (115,825,604,465) (14,685,653,800) 210 23 720,895,068,043 353,313,240,893 211 167,710,070,000 20,000,000,000 212 77,000,000,000 213 214 502,547,525,375 334,289,000,000 219 (26,362,527,332) (975,759,107) 220 3,601,031,215,112 2,254,131,121,744 221 24 383,953,076,897 166,929,637,423 222 651,916,978,948 251,181,883,743 223 (267,963,902,051) (84,252,246,320) 224 225 226 227 25 3,217,078,138,215 2,087,201,484,321 228 3,283,247,527,445 2,106,146,460,886 229 (66,169,389,230) (18,944,976,565) 240 241 241 250 26 12,181,923,522,335 5,631,871,313,534 251 3,062,096,903,445 1,818,898,109,192 252 3,981,823,446,813 1,670,395,598,054 253 254 5,138,003,172,077 2,142,577,606,288 255 259 300 103,418,851,772,445 70,962,793,199,261 'HANG ■ V r ■ IC' .PHA hl , 11;1Nol . N Ngay 20 thong 10 nem 2012 \ ri-OANGMtd u0 9 PHAN ficIN.11A N(11 cm Nguy_n Van Le 8 o ong Clam Dec 0 Ke Toan Truing,,/ Ninh Thi Lan Hwang Chi tieu B TRA VA VON CHU SG HITU I Cac khoin nq Chinh phu va NHNN II Tien giri va vay can cac TCTD khac 1 Ti'en giri cua cac TCTD khac 2 Vay cac TCTD khac III Tien gin cua khich hang IV Cac cling cu tai chinh phli sinh va cac khoan nq tai chinh khic V Vim tai trq, usr thic dau fir, cho vay ma TCTD phai chin rui ro VI nit Minh glay ttr c6 gia VII Clic khoin Nq khac 1 Cdc khoart tai, phi phdi tra 2 Thue TNDN hoan lai phai tra 3 Cdc khodri phdi tra ya cong nu khdc 4 Du phong rai ro khac TOng Nq phai tra VIII VOn va cac quy 1 Von cua TCTD a Van dia'u b Von dau tuXDCB c Thing du van ca phan d Co phi& guy Co e phiau mu dal Von khac 1 . / Q3.15 7 TCTD ':‘ 1 bienh loch ty gia hOi dodi ethenh Fech WSFTB :ltjilj jl;j$r r:nr: l:tts:iij$ :rrt)-,ri+nlt NcAN HANG THl"oT{c MAr co pmN sAr cdx - HA Nol 77I'rdn Hung Dpo - eu4n Hoan Ki6rn _ H;N;i- - Tel: 04.39423388 Fax:04.3941e942 86o e6o tii chinh hqp nh6t Quf lI nim 20I I Miu s6: Q-0ta TD - BANG cAN DoI KE ToAN Chi ti6u Md chi Thuy6t ti€u minh 56 cuiit t<y Don vi tinh: VND Si5 Oiu nem A. TAISAN I Ti€n m{t, vAng b4c, tt6 quf II Ti6n gfti tai NHNN III Ti6n, ving gfri t4i c6c TCTD kh6c vi chn vay c6c TCTD kh6c I Ti6n, vang gui t4ri cric TCTD kh6c 2 Cho vay cdc TCTD khric 3 Du phdng rti ro cho vay c6c TCTD khiic IV Chring khodn kinh doanh 1 Chung khorin kinh doanh 2 DU phdng giim git"chring khorin kinh doanh v cdc c6ng cg tii ehinh phii sinh vi cic tii s6n tii chinh khic W Chovaykhichhing I Cho vay khrich hirng )2/66-) -<da 2 Du phdng rui ro cho vay khrlch hang ll0 15 L20 t6 r30 n lJl t32 139 140 l8 141 149 lsO t9 160 161 20 169 2l 170 22 171 172 179 210 23 2lr 212 2r4 )1q 220 . 2Zt 24 222 223 224 22s 226 ))1 t( 228 229 240 241 241 250 26 2sl 252 253 254 255 259 300 321.,349,567,630 193,640,295,702 17,526,332,092,967 17,526,332,082,967 33,269,723,509 33,953,195,577 (683,472,068) 9,249,932,014 26,596,964,379,g31 26,883,339,950,830 (286,475,57r,999) 9,191,179,665,995 8,204,946,19r,656 1,000,000,000,000 (r3,767 ,s2s,76t) 322,999,000,000 201,670,98-1 ,695 505,232,494,164 11,636,740,990,717 11 ,636,740,990,717 98,g2g,3gg,040.64 99,51 1,870,109 /683"472,068) 24,1.A3,032,795,693 24,375,588,493,562 (272,s5s,697 ,879) 8,767,942,245,109 1,48r,36t.119,909 r ,300,000,000,000 ( t 3.418"874,800) 333,389,000,000 , i ^N4NTI Chring kho6n diu ru ,, lll]r^,\il1 Chung khodn dAu tu s6n sang d6 biin l/ C0 PHril/l- ll2 chuns khoin dArr rrr -ir, .+i- :,. *: "' vv rrlANI . l2 Chune khoiin dAu tu git diin ngdy drio han ;XA ilAt/.:ll: ou ptr-nng giim giri chimg khorin dAu tu /VllJ Grip viin. tliu tudhi h4n 1 Ddu tu vAo c6ng ty con 2 Y6ng6p li€n doanh 3 Ddu tu viro c6ng ty li6n k6t 4 DAu tu dii han khdc 5 Du phdng giam giri diu ru dii han IX Tni sin c6 Agnh I Tii san c6 dinh hiru hinh a Nguydn gi6 TSCD hiru hinh b Hao mdn TSCD htia hinh 2 Tii san c6 Oinn thu€ ti.i chinh a NguyAn gid TSCD b Hao mdnTSCD 3 Tli san c6 dinh v6 hinh a Nguy€n gid TSCD v6 hinh b Hao mdn TSCD v6 hinh X ndt O0ng sin itAu tu a Nguydn gid BDSET b Haomdn BESDT XI TAi sin C6 kh6c I Cric khodn phrii rhu 2 Cdc kho6n ldi, phiphdi thu 3 Tdi san thu6 TNDN ho6n lai 4 Tdi sdn C6 khric - Trong d6: Lqi thA thtrong mqi 5 C6c khoan dg phdng rii ro cho c:ic tdi san Cd n.i bdng kh6c TONG rAI SAN C6 322,889,000,000 2,lg6,113,gg1,32g 139,290,796,536 201,871,47r,004 (63,590,634,468) 2,047,933,094,793 2,056,639,664,081 (8,806,569,288) 4,667,951.,122,546 1,993,916,673,227 1,641,304,51t,016 I ,026,729,938,304 333,:389,000,000 1,526,153,g19,6g0 126,554,397,690 176,'165,476.626 (.50,21 1,078,936) 1,399,599,422,000 1 ,406,365,498,441 (6,766,076,441) 3,859,970,637,496 2,A30,461,983,684 957,082,854,32.) 872,325,799,483 61,039,939,640,424 51,032,g61,262,594 Chi ti6u Md chi ti6u Thuytit minh sii cu6i ry Sii aiu nem B Nq pltir rRA vA vON cr{u so HW I C6c khorin nq Chinh pht vi NIINN II Tidn grfri vi vay ciia c6c TCTD khdc I Ti0n gui cira cdc TCTD kh6c 2 Yay cdc TCTD khric III Ti6n giii cfra kh6ch hing rY cdc c6ng cg tii chinh ph6i sinh vi c6c khoin nq tdi chinh kh6c V Viin tii trq, uf th6c ttiu tu, cho vay mi TCTD phii chiu rrii ro VI Phdt hnnh gi6y rb c6 gi6 WI Cdc khoin Nq kh6c I Cdc khoan lii, phiphdi trA 2 Thu6 TNDN hodn l4i ph6i trd 3 Cdc khoan ph6i trd vir c6ng ng khric 4 DF phdng rui ro [...]... Bank” in Vietnam in 2015 awarded by the International Finance Magazine “Best SME Bank” and “Best Customer Service Bank” in Vietnam in 2015 awarded by the Global Banking and Finance and the Alpha Southeast Asia;; Giải thưởng Ngân hàng Tài trợ Dự án Tốt nhất Việt Nam” và Ngân hàng Tài trợ Thương mại Tốt nhất Việt Nam” năm 2015 do Tạp chí The Asian Banking and Finance trao tặng; 14 Saigon-Hanoi Commercial... many years; 12 Saigon-Hanoi Commercial Joint Stock Bank Kết nối bền vững SHB Annual Report 2015 13 International awards: Grand Officer Medal awarded by the King of Cambodia to SHB’s Chairman and Chief Executive Officer for their contribution in the construction and development of the Kingdom of Cambodia; Giải thưởng Ngân hàng nước ngoài tiêu biểu tại Campuchia năm 2015 do Ngân hàng quốc gia Campuchia... sustainable development of its banking business SHB Annual Report 2015 33 Operation in the year 34 Saigon-Hanoi Commercial Joint Stock Bank Tổng tài sản của Ngân hàng tăng lên Huy động khách hàng tăng Tỷ lệ nợ xấu giảm còn Outstanding growth in scale but constantly improving asset quality continues to be highlights of SHB in 2015 SHB Annual Report 2015 35 TÌnh hìnhperformance Business hoạt động kinh doanh... - Founding member of SHB - Member of BOD of Vietnam Handicraft and Art Articles Export- Import JSC Board of Supervisors (BOS) 3 4 1 2 Pham Hoa Binh (01) Nguyễn Thị Hoạt (03) Head of BOS Member of BOS - Date of Birth 31/12/1961 - Date of Birth 02/11/1986 - Former Chief Inspector of State Bank in Can Tho - Master of Economics - Former Deputy Director of SHB (Can Tho Branch) - Former Chief of Internal... (04) Deputy Head of BOS Member of BOS - Date of Birth 13/8/1948 - Date of Birth 17/11/1975 - Ph.D in Economics - Bachelor of Economics - Former Deputy Director of Vietcombank Transaction Office - Former Director of First Vinabank (Hanoi Branch) - Former BOM member, Head of Supervisory Board of Vietcombank Board of Management (BOM) Nguyen Van Le Chief Executive Officer - Mr Nguyen Van Le was born on July... Center SHB Annual Report 2015 23 Board of Directors (BOD) Do Quang Hien Chairman of Board of Directors of SHB - Chairman of Board of Directors of Saigon - Hanoi Securities JSC (SHS) - Chairman of Board of Directors and Chief Executive Officer of T&T Group - Chairman of Board of Directors of Saigon - Hanoi Insurance Joint Stock Company (BSH) - Chairman of Board of Directors of Saigon - Hanoi Fund Management... located; Domestic awards: - Excellent Brand Award, Well-known Brand in Vietnam for many consecutive years; - Outstanding Innovative Banking Product award; - Top 500 largest enterprises in Vietnam with continuously increased ratings over the years; - Top 30 most transparent enterprises in HNX for many years; - Top 10 most trusted enterprise in Vietnam in the same banking sector; - Top corporate tax payers... modern retail bank and a strong financial group under international standards by 2020 SHB Annual Report 2015 21 Organization structure GENERAL SHAREHOLDERS ASSEMBLY BOARD OF DIRECTORS RISK SETTLEMENT COMMITTEE CHIEF EXECUTIVE OFFICER KHỐI KINH DOANH & THỊ TRƯỜNG TÀI CHÍNH KHỐI NGÂN HÀNG BÁN LẺ KHỐI NGÂN HÀNG DOANH NGHIỆP KHỐI THẨM ĐỊNH KHỐI QUẢN LÝ RỦI RO TREASURY AND FINANCIAL MARKETS DIVISION RETAIL... Economics University - Mrs Dang To Loan was born on September 10, 1973, Master in Economics with Credit Finance Major - 20 years of experiences in banking finance industry - 21 years of experiences in banking finance industry - Former Director of Treasury Division of VIB - From August 2007 to October 2012: Director of Ho Chi Minh City Branch, Saigon – Hanoi Commercial Joint Stock Bank; - From March 2009... of SHB - Chairman of Board of Directors SHBS Securities JSC - Chairman of Board of Directors of SHB Loan Management and Asset Development Company (SHAMC) Tran Ngoc Linh (02) Phạm Ngọc Tuân (04) Member of Board of Directors of SHB Member of Board of Directors of SHB - Former Chairman of Saigon-Hanoi Commercial Joint Stock Bank - Member of BOD of SHB Urban and Industrial Zone Development JSC - Founding