S}TIt \ci\ il.\\(; l'Ilt.o\ic \t+l co PIIAN sAI GoN - IIA \Ql -7 lrin Iltrrtr It.r,, - (rrriin Iloirrt Kiirn - IIa NQj ]-el 0.1 i9'12-i188 lrar: (\'L39'110942 Brio cfo tii chinh ri0ng li Nnm 201 I \'IAu s6: \-0,1a (lhi 1i0u TD - BANG CAX NtII KE TOAN \li chi 'IhrrYdt ti0u minh 56 cu6i trY Don vi tinh trlNI) 56 diu n[m A. TAI SA\ I Tidn m[1. v]rng bac, di qu! II Tidn g(ri tni NtINN III Tidn. vhng giri t4i cr{c'l'(-'TD khric vir cho vay cic TC1'D khtlc I 'l'iin. r'aing gLri tai cao'l'C'l'l) lihac 2 Cho va-v c/rc'l'C]'D khac 3 Du phong rtii ro cho vay chc 'l'C'l'D kh6c IV Chtng khoin kinh doanh I Chung khoin kinh doanh 2 Du phong gidm gid chimg khoan kinh doanh V Cric c6ng cu thi chinh phrii sinh vi c:ic thi siin thi chinh khtlc VI (lho va.v- hhrich hhng I Cho val khAch hdng 2 Du phong rlii ro cho va1'khach hang VII Chrhg liho{n dAu trr I ('hrLng kh,'tin tliru trr san salrg de bin 2 Chung khoirn dAu tu giir d6n ngiv d6o h4n 3 Dtr plrong gianr gia chulrg klrilart dAu ttr VIII (i6p v6n. dirr tu diri hln t DAu tLr vi\o c0ng t.v con 2 V6n gop li0n doanh J l)iirr tu \ ir,, ei,rls t1 lii'n I'et 4 Diu ttL drii han khfc 5 Dg phdng gidm gi6 diu tu diri ltan lX 'I'ii siin cd dinh I 'l'di srin c6 tlinh hfru hinh a Ngtvln giti TSCD hfitr hinh b llcro nin'I'SCD hfht hinlt 2 -l'iii san cil dinh thu0 t?ri chinh a b 3 a b x a b x I 2 3 4 5 Ngltt'in gtLi lS(-D L{ao rndn ISCD lat sarl fo dlnll \o nlllll Ngtt1.€n g.ia'I'SCD v6 hirth Iloo mon 'I'SCD v6 hirth nAt oEng srin diu tu' Nguv0n gia UDSI)T Hao nrdn llDSDI' '[iri srin {'6 lthtlc Cac lihoan phzii thtl (lao khoan lrii. phi Phai thtt 'l'2ri san thui'l-NDN hodn lai l'di sau ('6 khdc Cac khorin du phong rui ro cho cac t2ri sdn Co n6i bzing khac It0 120 lJ0 lll I t1 Il9 IJO llt ll9 150 160 l(rl 169 170 l7l t12 179 210 2il ,", l2 2 tl 2 I.1 2 lc) 22.0 2,21 ))) ,|J /.L.1 -'li ))6 227 t.lE ))9 2{0 2,1 I lll 250 t5t .lr2 2ii 159 J00 t5 t6 t7 20 2l 22 t8 l9 l7 26 425,10J,583,283 34,7l2,661,358 I 8,608,137,989,5 19 I 8.608,1 37.989,5 I 9 4,03s,8J1,699 28,850,291,066,397 29.204.979.895.91I (354.685"829.5 1,1) | 1,817 ,391,499,7 37 12,251,210.153"s37 2.6 I 0.8,10.000.000 ( 14,685.6s3.800) 354.289.000,000 20.000.000.000 334.2rJe.000,000 2,254,131,r21.7 41 166,929,637,123 25 1.1 8 1.ti8i.743 (84.252.246.320) 2,087,20 I ,184,32 I 2,106. l4 6,;160,ti86 ( I 8,944.976,565 ) 5,587,414,201,213 1,818,896.6s3.180 t.672.259.197.751 2.096.25 8.3 s0.282 70,965,512,957,9s0 20l .1s8,161 ,80s 505,232,49,1, l 6{ I l,636,661 ,809,8t 9 I 1.636.66 1.809.t1 I 9 2{,02{t,598,295.68J 2,1.i01.153.993.562 (272.5 5 s,6e7. E 7e ) 8,5 17,9.12,2{5, 109 7.211 16i.1i9.9{t() I .3 (X).000.01X). (r0( ) ( I 3,,1 I ll,U 7 1. Elo{)) 337,J,99.tt00.000 20. (XX).0(Xr.00(l I 17.189.00().0(Xi 1,s25. r 33,2,18,461 l 25.51J,826.{6 | I 7i rr I -lrq7 qlt: (i9.7i7.561.521) r ,399,599.{22,00(l l.,l0o.:165.,198.,14 I (6.766.076.14 l ) 1.261.5'17,144,4lJ 1.791.159.4.19.061 979.5 80.778,,13 6 1 .490.807.2 16.() I 6 5l ,01J,862,999,{5-l 23 1tr TONG TAI SAN CO Prup 1 Chi ti6u \In chi 'l'hu.v6t tiOu minh 56 cu6i t<i 56 tliu nlm I B Nq PllilTRA vA vON (lHir sO lltit' I C{c khorin no.'Chinh phii v}r NIINN II 'Iidn gii vA vay cira c{c'fC'I'l) khdc I Tidn gui ctra cdc'I'CTD khac 2 Va1' cac l (l'fD khac III 'ti6n giri cira khrich hing lV Cric cdng cr; tiri chinh phrii sinh vir cric khorin no.'thi chinh khtic V V6n tii trq. ui thric dAu tu, cho vay mi'I'CTD phii chiu riri ro VI Phit hhnh giAY td'c6 gi6 VII Ctic khoiin Ng'khf c I ('ac klt,ran lrir. phi phai tra 2 Thu6 TN[)N liodn lai phai tra 3 Cic khoan phiii tra vir c6ng ntr khilc ,l Du phong rui ro khdc T6ng \o- phtii tni VIII V6n vir cric qu-! I V6n cia'fC'lD a I on dleu le b f6n dtiu tt XDCIJ c Thdng tltr t'6n co Phdn rl LoPltlrttLltt.t' c Co phiiu tru cltii g I Otl KllLlL 2 Qu! cua'l'C"l'D 3 Ch€nh l0ch danh gid lai tdt san -l Chinh lieh tl giri lroi doiri 5 Lo-i Ithrrin chua Phdn Phdi VIII Lgi ich ciia c6 tl6ng thi6u s6 (zt' ToNG No. PHAI TRA vA voN cHU so H0'u JtO 27 J20 .r2l 28 J30 29 J{0 19 Jso 30 J60 J7O JI i7l j7?. t7l 379 100 500 32 ,1 l0 il2 .l 13 .t l5 t16 ,120 ,ll0 .1'10 150 700 800 2,181,5s1.872,526 15,909,083.396,9 I 0 15,909,083.396,910 3,1.81,1,646.881.855 226,386.012,119 I 1,205,239,76 I,l 80 817,153,217,897 523.636.092.47 | 267.502.183.242 26,311.942.184 65,1s7 ,364.142,787 5,808,148,81 s,163 4,908,53 s,898.400 4.8 I 5,795.'+70,000 98,000.000,000 (5,259.57 1.600) I 60.689.9i3.283 73 8.922.983.480 70,96s,512,957,950 903,7l6,r 50,812 13,27 I,538,8 19.944 l 3.27 1.538.8 I 9,944 25,640,812,032.867 2,899,590,560 J80,398,24 I,657 5,745.355.768,404 892,306,676,707 685.020,330.679 t99,356.677,375 7.929.(r(r8.6 5ll 46,837,057,280,95 I 4,176,805,7 I 8,50J 3.590.2 59,498.400 3.497.5 I 9.070.000 98.000.000.000 ( 5.2s9.57 1.600) 160.91 1,5'11.555 .12 5.6:14.67{i. s.18 5l,013,862,999 151 /i'ort'. cAc crri t'tEU NGoAI BANG i-:/uc lr I \ghia 'u rrr.r'tiim in t { r,1{[li'l .: r ea, tdrrn r ai r on f\tf,tti. 2 cam ti'r rn''g 'ghi€p ru I t \fu,,,^ j Bao tdntr kttic 9t0 9ll 912 9ll 13 3.208.805.978.726 1,269.565,208'991 .t 538.227.852,678 2,6',70.518.126.048 587,663,956.526 681.90 l .252.465 Lfp bi6u *1,''V Nguyin 't'h! ThitY t/ ,1,7,,',9' t -t " Ninh Thi Lun Phu'rrttg isog?j I{GAN HANG q) A \-o $\l* "\n nlr,r.*i ugl an-"6i Ngiry 17 thdng 0l ndm 2012 T6ng Gi{m E6c Page 2 .'.,Sr{I} NGAN IIA\(;TMCP SAI Go\ - IIA NOI 77 I ran IIrLug I)ao - Qudn I lodrr Kii'rn - Hn Noi l'el:04.39423388 L11p bi0u f/ ".1. lt ilJ .' *f l'il'i' lv Ngu-y,[1 Th! Thtiy 86o c6o tii chinh ri0ng le )inm 20I l I16u s6: N-05a Irax: 0.1.39,110942 TD . BAo CAo KET QUA IIOA.I. DoNG KINH DOANII Chi tiOu I Thu nhiip 1ir lii vd cfc khoan thu nhap tuong tu 0 I 33 7 .g12.85:' .7 44.630 3.7,15.240.6 14.052 -'l-ron-e dir thu lii di€r.r v6n 2 Chi phi lrii vd cdc chi phi ttL<lrg ru ldi - f rong ,lt\ chi lii dii'rr r tln I 'thu nhirp lf,i thuAn 3 'l'hu nhap ti hoar ddng dich vu 4 Chi phi hoat ddng dich vu I| Leil16 thuAn tir.hoar dQng dich vu III LAil16 thuAn ril ho4r ilQng tiinh doanh ngo4i h6i n' Llil16 thuAn ti.mua b6n chri'ng kho6n kinh doanh V LAi/16 thutn til mua b:in chri.ng khorin diu tu 5 ThLr nhip tir hoar d6ng khhc 6 Chi phi hoar dong kh6c VI LAilt6 thu0n ril hoirt tlQng kh6c VII Thu nhAp tii.g6p v6n, mua c6 phin VIll Chi phi hoar d0ng t\ Lr.r'i nhuin thuin tii.hoat d6ng kinh doanh tru.ti.c chi phf tlu phdng nii ro tin tlgng X Chi phi dg.phdng nii ro rin dung XI 'l'6ng lgi nhu{n tru'ri.c thu6 7 Chi phi thuO I'NDN hiOn hiinl.r tam rinlr 8 Chi phi thud TNDN hodn lai XII Chi phi thuO TND\ r4m lfnh XIII Lo-i nhufin sau thu5 XIV Lo-i ich ctia c6 d6ng thiOu sii XV Lli crr bdn tr0n c6 phi6u y I7 thting0I trtittr 20I2 Ilfr chi ri0u -l'hur 6t mtnn Nim 201 I Dctn vi lfnh. l'N[) Nim 2010 725.761,714.472 725.761.714.472 5.884,400.428. I 86 2.52 1.804.700.28 I 725.7 6t.'7 t4.472 7 25.7 6t.7 t4.472 1,928,457,316,.1.1,1 1,223,135.913.771 192"762.7 58.306 37,899"'/74.209 15,t,862,98,1,097 5iI,758,745,618 (l 1,186,28t,056) 23,933.442.459 1.033.212.212 22,900,230,247 34,685,916,900 1,113,726,205,771 r,070,752,606,176 t 0l,260,547,806 969,492,058,670 233.70t.s60.443 233,701 ,560,.113 135,790,198.227 6ng Gi6m d6c Ngu.rin Van Lt 02 03 0,1 05 06 07 08 09 It) ll l2 l3 l.l l5 t6 l7 l8 l9 20 2l 22 23 K0 forin 'l'ru'ri'n 34 35 J6 3l 58.027,434.771 20. I80.767.6,15 J7,til6,667.l J2 5t,l.lt,535,1 I r 9,910,000,000 56,69 t,572, t 03 32.898.977. ti66 535.875. t l9 32,363,t02;727 1?.,u90,116,6',17 669,t 66,76J,0t)6 7ti6,J 12.1,1.t,4J5 1.19,812,780,307 636,.169,66J,l2rJ 1,18._594.811.863 I.{i,591,8t I,86J "187,871,852,26i 39 38 .10 NGP.N HANG ifi{,'rjil(j [,tArc0 P !A $Ar {i0il.llA H0t SFIB \GAN IIIN(; .I\ICP SAI GON - IIi ){OI Ri6ng li Bio c6o tii chinh ri6ng lc \Irn thi chinh 201l \tiu s6: N-06a TD - BAO CNO LUU CIIT]YIIN .TITN TE - PPTT Chi ti0u M5 chi Thuy6t ti6u minh NEm nay DI',T'1',,\1.) Nim trudc . DOANTI I 'l'hu nhdp ldi vd cfc khohn thu nhdp tr"rcrng tu nhAn dugc 2 Chi phi ldi vi cdc chi phi tuong tu .ta trii 3 Thu nh{p tiL hoat d0ng dich vu nhf,n dugc , Ch0nh kich s6 tien thuc thtr/thuc chi tu hoat dQng kinh - doanh chirng khohn. viing bac. ngoai t€ 5 Tlrrr rrlrip klriic - l'iAn thu ciic khoan no cli dutrc xu lj xoii. bir d[p bing o ngutin clu phong rui ro 7 'l'iOn chi 1r'a cho nhAn viOn vi hoal dQng quan l,'i'. cOng vu 8 f i6n thu6 tliu nhflp thqc nQp trong k! Luu chuy6n ti6n thuiin ti'ho4t itQng kinh doanh tru'6'c nh['ng thav d6i vA tni s:in vir v6n lu'u d6ng Nhiing thut, d6i vi ttii tdn hoqt dQrtg (Tdng)/Giam cic khoan tiOn. vdng giri vd cho vay cdc 'l'C'fD khitc ('l'dng)/(iiarn ciic khoan vd kinh doanh chring khodn ('l'[ng)/(iirinr cilc c6ng cu tiri clrinh phrii sinh vd ciic tdi san tdi chinh khaic ('fing)/Giarn chc khoan cho I'a.v kh6ch hing ('l'ang)/Giam ngu6n dq phong tftl bil dap ton that cic khoan (tin dgng. cliirng kho6n. dAu tLr ddi han) (Ting)/Girim kh6c vd tii san hoat ddng Nhiing thq, d6i vi cing nq hoqr d\ng 9 l0 ll 12 l-l t4 0l 02 03 04 05 06 07 08 09 l0 ll l2 l3 l4 t5 7 .09 | .7 58 "',I 39 .287 (6.070.3 88.995"'108) I 54,862.981.097 42.299.538.1)65 22.025.5 1 3.1 98 I.258"843.457 ( I .066.663.593.817) (351,448.282.232) ( 1 76,295,253,353) (2.499.440.000.000) (6.3 1 9.928.1 39.287) (4.03 5. U3,1.699 ) (4.903.825.902 149) (739.000.000 ) ( 1.i35.370.765.433) 1.280.838.72 1.71,1 2.637 .544.5'7 6.966 9.173.80,1.848.988 5.673.173.102.4,+3 ( r 54.0 I 2.229.23 8) . (2.8e9.590.560) 30.53 8.,182.756 (35.45l "660.740) 3.363,901,9s7,208 (73.082.782.503 ) 181.818.182 (282.e"/2,295) ).560.4',/0.i .t | .'796 ( 1.998.021.3:r4.523 ) 37 .1146.667 .13?. 626. I8,t.9I6.63l 2.31'7.379.701 l" 128.45tt.022 (618.651.6{6.76,1 ) ( 100.053.118'1.0,17) ltl I,218,(r97,9 {t} ( 1.846"57.1 i 3,1 l 3 3 ) (3.634.06tr.035.62 i ) .1.663.0?.6.809 ( I t".172.405.922.61,1) I1 .921 (2" I 59.037.3511.938 ) 903.71(r. | 50.8l2 3.128. I -l'1.888:12 I 10.954.'t58.165.66tt 5.745.355.768^ l0 I .3r|9. j |;1.0-i7.7()J 2.[i99.590.560 li3.90l.l 13.iur ll4. l3tr 2,739.'/77.995,55't (792.584.293.26 r ) l5 'l'dng/(Girinr) cdc khodn ncr Clhinh phn vd Nl INN l6 l6 l'6ng/(Giarn) cdc khoan licln gui. trdn va1 cac 'l'("1'l) l7 l7 'fdng/(Girirr)tien gtri cua khiich lring thao g()m ca KBNN) l8 ,u lang {(iianrt phdt hanlr giui tir uo gia {rtgttai tlu gid} tir co ,n '" gia phrit hirrh tluoc tinh rao lroirt dong tiri cltinht ,^ fing'{Ciurnl von tii tro. u1 tlrirc ditr tu. cho va) rna 1('f l) r,, t9 ,. ft;;';i:'1 cdc cong cu tiri chi'h phdi sinh vd cdc khodn ,, -" ntr tiri chinlt khac 21 'flng/(Gidrn) khdc vii cirng n(J hoat d6ng 22 22 Chi tr) cdc clui'cua TC1D 21 Luu chuy0n ti6n thuAn tii'hoat dQng kinh doanh 21 II LU'U CIITIYEN I'IEN I'tI' IIOA'T DONG D,iU I'U. 1 Mua sim tdi san c6 dinh 25 2 Ti0n thu tir thanh 1," nhutrng ban 'I'SCID 26 3 'fi€n chi til thanh l!. nhui)lrg trrin'ISCD 1'1 4 Mua slrm bAt ddng san ditr ttL 2ti 5 'l'i€n thu tri bin. thanh ly hit .lorrg san ditr tu 29 6 'l'iOn chi Ia clo b6n. thanh li hit dong san durt tLt 3L) l'.rgo I Chi ti6u Mi chi Thuyiit ti0u minh Nim nay Nim tru6c 1 8 9 I'iiin chi diu ttL. g6p v6n vdo circ dcrn vi khic I'iiin thLr cliiLr tLr. gop v6n viro c6c don vi khhc 'l'iOn thu cti tuc vii lrri nhuin clugc chia tir clic khoan dAu tu. g6p r'0n ddi han 3l -)a .t -t 34 :i5 36 31 ( 16.900.000.000) 32.745.698.200 (57,338,238,416) I .3 I 8.276.400.000 (47.590.000.000) ,12.,i I ?.703.832 (797,156,589,132' l .547.5 I 9.070.000 Lu'u chuydn tidn rhuAn 1i'hoal tlQng dAu tu III I,U'T] CIITIYI,N TIEN 1'TI. IIOAT EONG TAT CIIiNTI I 'l'6ng r'On die u lC - 'Ii0n thLr tiL phiit hanh gi61 1ir c(r -siri r1?ii hqn co du dii'tr ' kic,-, tinh viio r'6n tu c6 r'A ctic khoan "6n va1'cldi h?n khllc ^ I'i0n chi thanh toAn giA;'tir cti gi6 ddi h4n c6 clu cliultr liifn ' ,inh udu r,6n tu c6 vir chc kl.roan v6n vay diii h4n khric 4 Cd tuc 1ra cho c6 ddng. loi nhudn dd chia 5 Iien chi trt tttttrt cqi plriiu ngiill (lui o f iin tlttt ,lttr.ic tlo hrtr cti plrie tr lrgan qtri Lu'u chuy0n tidn thuAn ti'hoat ddng tiri chinh IV Lu'u chuY0n tidn thu6n trong kY , Ti6n vir cAc khoin tu'ong du'ong ti6n t4i thd'i 'Ii6m diu kn Vl Di6u chinh dnh hu'ong cria thay d6i ti gi6 ar,, Ti6n vir cic kholin tu'ong duong ti6n tai tho'i di6m cu6i ^- ki, K6 toin rru'ong,1*j{7 3n 39 40 4l 42 43 44 ,15 ( 179.385.600.000) (220. I 93.050.420) 9l8,697,749,580 1,225,261,468,372 9,501,678,182,455 13,126,939,650,827 (,109.005.63 9.500) (303.054.000) I,138,210,376,s00 3,080,231 ,782,623 6,,t21,446,399,8.r0 9,501,678,l82 t6-1 t .t i l t L4p bnng Nguydn Th! ThtiY ngdlt l/ thdng0l nirm )012 'I6ng Gi6m tl6c Ngul'fn Vtin I'A /:.,;) /""f vG -* { tttutitl - w; d.ff;iffi :r/ -,<:tll;TTrt{ "1f i,f ni,t"Uh UE Q;trn:.{ I'age 2 1. S FTT} NgAn hing1'MCP Shi Gdn - He NQi THUYET MINH BAO CAO TAI CTTIXU NTtNC I,N NIm 2011 1. Th0ng tin vG ngin hing Gi6y ph6p hoat tl6ng 004 I -NH/C P ngdy 13 th6ng I I narn 1993 Gi6y ph6p hoat tl6ng do Ngdn hdng Nhd nu6'c Vi6t Nam c6p -t'hd'i han hoat ddng cira Ngdn hiing ld 40 n6m kii til ngdy cdp giey phdp diiu ti€n. HQi tl6ng Quin tri Ong D5 Quang Hi6n 6ng Nguy6n Vdn L€ 6ng Nguy6n Vdn HAi 6ng'frdn Ngoc Linh Ong Phan IlLry Chf Ong TrAn'l'hoai Ong L€ Ki6n'l'hdnh Ban ki6m soit Bd Ddm Ngoc Bich 6ng Nguy6n Hff'u Eri'c Bd Nguy6n 'fhi FI6ng Uy6n Ong LLrong l){lc Chinh 6ng Bii 'fhanh TArn Ong Pharn I loa Binh Ban T6ng Gi6m d6c Ong Nguy6n Vdn I-€ 6ng Edng'l'rung Dfrng Ong Biri 'Iin Nghi Ong LC Dang Khoa Pham Vin'l-hing Ng6 Thu Hd Ninh Thi [.an Phuo-ng Tru6'ng ban Ph6 Trr,ro'ng ban Thdnh vi6n Thdnh vi6n Thdnh vi6n Thdnh vi6n Tdng Gi6m d6c ^' , -i +: rno rong (Jram ooc Ph6'fdng Girim d6c -, , -i !; fno I Ong Lrlaln OOC Ph6 T6ng Girirn d6c ^, , -i +: rno long ulam ooc ',1 Ke toan truo'ng l]6 nhi6m ngdy 16 thring 6 ndm 2008 l]6 nhi6m ngdy l6 thring 6 ndrn 2008 116 nhi6rn ngdy l6 thrlng 6 nlm 2008 I]6 nhi6m ngdy 16 thring 6 ndrn 2008 I]6 nhi€m ngdy 16 thring 6 n6m 2008 I]6 nhi6rn ngdy 16 thring 6 ndm 2008 l]6 nhi6m ngdy l0 thring 8 ndrn 2010 l]6 nhi6m ngdy l6thhng 6 ndrn 2008 I16 nhiem ngdy 20 th6ng 5 ndrn 2009 I]6 nhi€m ngdy l6 th6ng 6 ndrn 2008 116 nhi€rn ngdy 16 th6ng 6 ndm 2008 116 nhi6rn ngdy l6 th6ng 6 ndm 2008 l]6 nhi6m ngiy 20 th6ng 5 ndm 2009 'l'6i bd nhiOrn ngdy 08 th6ng 5 ndn2A07 116 nhidrn ngdy 01 thring 9 ndm 2006 Ilir nhi6m ngdy 05 th6ng 6 ndm2007 116 nhi€rn ngdy 10 thang4 ndm 2009 116 nhi€m ngdy 01 th6ng l1 ndm 2010 116 nhiOm ngdy l5 th6ng 3 ndm 201 I l]6 nhi€m ngiry 27 rhdngT ndrn 2008 Chu tich uy vren Uy vi6n uy vren Uy vi6n uy vlen Thdnh vi€n ddc lAp t, iir \\r \ Irg sO chinh Sd 77 - TrAn I'Irrng Eao - Q.l Iodn Ki6m - TP.lJd N6i - Vi€t Nam 2. D{c di6m hoat ddng cria t6 chric lin dgng NgAn hdng Thuo'ng rnai C6 phAn Sdi Gdn - Hd Nqi (clu6'i ddy goi tit lir "Ngdn hdng") ld m6t ngAn hdng thuo'ng mai co phin ViQt Narn thdnh lQp tai nr-L6c Cdng hoa Xd hQi Chrh nghia Vi€t Nam ', =, SHIi Ng6n hhng TMCP Shi Gdn - Hn NQi v6'i thd'i gian hoat d6ng ld 40 ndm theo 0041-NH/GP ngdy 13 th6ng 1l ndm 1993 cua NgAn hdng Nhd nu6'c Vi6t Nam" V6n di6u lg cua NgAn hdng tai ngiry 3111212011 ld 4,815,795,470,000 cl6ng ,^i (Bon nghin tarn tram rnud'i ldm t! b6y trdm chin l6m triOu bdn trdm biy muo'i nghin d6ng). H6i so chfnh cria Ngdn hdng dat tai SO 77 - TrAn tlung l)ao - Q.Hodn Ki6m - Ha Ngi - Vi6t Nam. Tai ngdy 3lll2l20ll, NgAn hdng c6 2574 nhln vi€n lDdu ndm 201 1: 1889 nhdn vi6n) . 3. T6m tit cfc chinh s:ich k6 toin chri v6u Chudn mqc vi cn6 a9 k6 tofn 6p dgng NgAn hdng trinh bdy cdc bio c6o tdi chinh bing dorrg Vi€t Nam (VND) theo Luat cdc T6 chri'c Tin dung, Ludt sta d6i vd b6 sung mdt s6 dii:u trong l-u6t ciic'l'6 chri'c Tin dung, c6c chuAn muc k6 toiin Vi€t Nam vir HQ th6ng Kti torln c6c t6 chri'c tin dung Vi6t Nam. Kj. b6o c6o vd tlon vi ti6n tQ Kj,b6o c5o c0a Ngdn hdng U6t AAu tir ngdy 0ll01l20ll vd kt5t thfc vio ngdy 3111212011. Do'n vi tid:n tC sfr dung trong ghi chdp k6 torin ld d6ng ViQt Nam (VND). 4. Nguy0n tic ghi nhfn cdc nghiQp vg bing ngoai tG vir quy d6i Theo h6 th6ng k6 torin cta Ngdn hdng, t6t cir c6c rrghidp vu ph6t sinh cia Ngdn hdrng duo-c hach to6n theo nguy€n tQ. 'fai thd'i di6m cu6i ndm, tdi sAn vd cdng no- c6 ngudn g6c ngoai td drLo-c quy d6i sang VND theo ty gi6 quy dinh vdo ngdy ldp bdrng cdn doi ke to6n. Cdc khoAn thu nhdp vd ,'rl chi phf bang ngoai t€ cria Ngdn hdng duo-c hpch to6n bdng VND theo ty gif vdo ngdy ph6t sinh th6ng qua giao dich rnua b6n ngoai t6. Ch€nh lQch ty gi6 do clinh giri lai circ tdi kho6n kinli doanh ngoai t€ duo-c hach to6n vdo biio c6o K;5t qu6 Hoat d6ng Kinh doanh vd lo'i nhudn eC tai" Chdnh lQch tj' gi6phdt sinh do quy ddi ciic tdi sin vir cdng no'kh6c bang ngoai t6 sang VND cluo.c xil ly vdo doanh s6 cria c6c khoAn muc.tuo'ng fng trdn bing cAn d6i k6 todn vdo ngdry l6p b6o crio tAi chfnh. 5. Chring khorin ctiu tu gifr d6n ngdry tt:io h4n Chring kho6n no- giri d6n ngay dao h4n ld c6c chirng khodn co kjz han co dinh vd c6c khodn thanh toiin cO ainn hodc c6 th€ x6c dinh duo-c vd Ban T6ng GiSm rl6c c6 f dinh vd c6 kh6 ndng giir d6n ngdy d6o han. Ngdn hdng dang ghi nhfln c6c chri'ng kho6n ndy thco gi6 g6c cdng ldi du thu trir' ldi chd'ph6n b6. GiA fti phu trdi hodc chi6t kh6u (ntlu c6) cirng duo-c phdn rinh vdo gi6 tri ghi s6 cira khoan ddu tu. Ldi duo. c <lq thu hodc phdn bo theo phu'ong phap duo'ng thing. Chfng kho6n dr-ro-c giir cltin khi d6o han sE duo'c xem xdt v6 khd ndng giam gi6. Chrlng kho6n duo'c l6p dq phdng giim gi6 khi giri tri thi trud'ng nh6 ho'n giri tri ghi so. Du phong giAm gi6 cluo. c ghi nhAn vdo b6o crio ket qui hoat d6ng kinh doanh. . ,i SFIIS NgAn hing TMCP Sdi Gdn - HA NQi 6. Chring khoin ttAu tu sin sing A6 UAn Chrlng kho6n ddu tr-r sin sdng dC Uan ld ciic chf'ng khorin duo-c gifi'trong thd'i gian khdng 6n dinh tru'6'c. c6 thi5 duo-c biin aC Oap f'ng nhu cAu thanh kho6n holc d6 i'ng ph6 v6'i trud'ng ho.p thay d6i lai su6t, ti gi6, hodc gi6 tri chfng kho6n. Ngdn hdng dang ghi nhAn c6c chrlng khorin niry theo giri g6c cdng ldi du thu trir ldi chd' phdn b6. Gi6 tri phu trdi hoic chi6t kh6u (n€u c6) cfing duo-c phdn rinh vdo gi6 tri ghi s6 crja khoan ddu tu. I-6i duoc du thu hodc phdn b6 theo phuo'ng ph6p clud'ng thdng. C6c chri'ng khorln ndy duo'c d6nh gi6 dinh kj,'theo gi6 tri thitrud'ng vd du phdng gi6m gi6tri sE duo-c lap khi gi6tri thi trud'ng nho hon gi6 tri ghi so. Dtr phong gidm gi6 cluo-c ghi nhdn vdo b6o c6o k6t qu6 hoat d6ng kinh doanh. 7. Chfng khofn kinh doanh Chfi'ng kho:in kinh doanh ld chf'ng kho6n ban ddu duo-c mua vd n6m giir cho rnuc dich kinh doanh trong ng6n han hodc n6u Ban T6ng Gi6m ttdc quy6t dinh nhu vdy. Ngdn hdng ctang ghi nh6n c6c chilng khorin ndy theo giri goc vdo ngdy giao dich. I'rong c6c k! ti6p theo, ciic chri'ng khorin ti6p tuc duo-c ghi nhpn theo giil goc. Tuy nhi6n, gi6 tri thi trr.Ld'ng cua c6c chri'ng kho6n v6n duo-c NgAn hdng theo ddi dC d6nh gi6 ve ma ndng giim gi5 khi gi5 tri thi truong thdp ho-n gia g6c. Ngoqi triL trud'ng hqp khdng thd x6c dinh gid tri thi trud'ng rndt c6cli ch6c chin thi gi6 tri cira chfng cluo. c tinh dua tr6n nguy6n gi6 sau khi tru' cli ton th6t u6'c tinh (n6u c6). Lai hodc 16 til kinh doanh chring khorin cluo-c ghi nh4n trdn b6o cao ktit qud hoqt clQng kinh cloanh theo sd thuAn. 8. C:ic kho:in cho vay Crlc khoAn cho vay ngdn han co k! han du6'i I ndm; ciic khodn cho vay vir cho thud tdi chinh trung hqn c6 kj,han tu l nam d€n 5 nam vd ciic khoin cho vay vd cho thu6 tdi chinh ddi han c6 k! han tr6n 5 ndm k6 til ngdy gi6i ngdn. Vi6c phdn loai no- vd l6p dg phong riri ro 1in dung duo-c thr,ic hi6n theo Quyi5t clinh sd 4g3l2005lQD-NHNN ngity 22 thhng 4 nam 2005 vd Quvet dinh so l8l2}}7lQE-NtlNN ngdy 25 thing 4 ndm 2007 cira Th6ng d6c Ngdn hdng Nhd nu6c Vi€t Nam. C6c khoin cho vay duo-c phdn thdnh ndm nh6m no- cdn cr1vdo tinh hinh trA no- va cdc yeu t6 dinh tfnh nhu sau: Nhrim t. Nq du rilu chuan . Circ kho6n no- trong han mir NgAn hdng ddnh giri ld c6 clu khi ndng thu hdi day dn cd g6c vd ldi dirng thd'i han; . Ctrc khodn no- quii hpn du6'i l0 ngdy vd Ng6n hang danh gia ld co kha nang thu hdi dAy drl g6c vd ldi bi qu6 h4n vd thu hdi dAy di g6c vd l6i dring thd'i han cdn lai; Nhdm 2. Nq ccin chti y . Cac khoin no- qu5 hpn til l0 ngdy cl6n 90 ngal: . Ciic khodn no- di€u chinh kV han tra no'lAn dALr: 3 'r,"'w sFIlf Ngin hing TMCP Shi Gdn - tld NQi o (liickho6nno-cocaulaitho'i hantr6no-lronghantheothdi handuo-cco'cdulai. l,lhdm 3; Nq'clmri tiiu chuan r Ciic khodn no- quii han tu'91 d€n 180 ngiry; . Ciic khoan no- co c6u lai tho'i han trir no- lAn dAu. trir c6c khoin no- di6u chinh kj,han trdr no- lAn dAu phdn loai viro nh6m 2; . Circ kho6n no- duo-c mi6n hodc gidm l6ido khiich hdng kh6ng dri khe ndng trd laidAy du thco ho-p ddng tin dung: Nlrdm 4: Ir{q nghi ngd' c Citc khoin no- qu6 han tir' 181 ct6n 360 ngdrr: . Cdc khoirn no-co cdru lai thd'i han tra no lAn ddu quii hqn du6'i 90 ngdytheothd'i han trir no- duo-c co'c6u lai lAn diu; o C6c khodrn no- co'cdu lai thd'i h4n tri no- lAn thf'hai; Nhdm 5: No co kha nang mut von o Cfrc khoAn no- qu6 hgn tr€n 360 ngdy; o Ciic khodrn no- co'c6u lai tho'i han tri no- lAn dAu quri han tir'90 ngdy tro l6n theo thd'i han tr6 no- duo-c co'c6u lai lAn cfAu; o C6c khoan no- co'c6u lai thd'i han tra no- lAn thri'hai qu6 han theo thd'i h4n trA no- duo-c co c6u lai lAn thr? hai; o C6c kho6n no- co'c6u lai thd'i han trd no- lAn thri' ba tr6' l6n, k6 cd chua bi qu6 han hodc dd qu6 han; . Ciic khoAn no- khoanh, no- chd xi'Iy; Theo Quy6t dinh sA +gZnOaslQE-NHNN ngdy 22 th6ng 4 ndm 2005 vd Quytit dinh s6 t l8l2007lQD-NHNN ngity 25 thdng4 ndm2007, OOi vO'i,cilc khoAn no- qu6 han, t6 chf'c tin dung ph6n loai lai vdo nh6m no- c6 nii ro thAp ho'n khiNgdn hdng d6nh gi6 ld c6 dri kh6 ndng thu hdi dAy du ci g6c vd ldi; vd kh6ch hdng c6 tdi li€u. ho so'chu'ng nrinh ciic nguydn nhdn ldm kho6n no- ndy quii han duo-c xil ly, khic phuc. NgAn hdng chu clong tu qrryit dinh phdn loai ciic kho6n no- vdo c6c nh6m no- rui ro cao hon tuong ri'ng v6'i mri'c clQ nJri ro khi xay ra mdt trong Cric trud'ng ho-p sau d6y: . Khi c6 nhfi'ng di6n bi6n b6t lo.'i til tric cl6ng ti6u cuc d6n m6i trud'ng kinh doanh vd linh vuc kinh doanh; . Ciic chi ti6u tdi chinh cira kh6ch hdng hoic kha ndng 1rd no'cua kh6ch hdng bi suy gi6m; o Kh6ch hang khong cung cdp cho NgAn hdng ciic th6ng tin tdi chinh kip thoi. ctiv du vir chfnh x6c cle Ngan hAng drinh giri kha ndng tra no- cua kh6ch hdng. Dq phdng rrii ro tin dgng: Vi6c tinh du phong cu thi duo-c cdn cf'tr€n circ ty 16 rip dung cho tilns nh6m no nhu sau: . ii sFIti NgAn hing'I'MCP Shi Gdn - I{n NQi Nh6m I 2 3 A + 5 Lo4i |,1 l\o ou Ueu cnuan No- cdn chfr i, I l\o'ouo'r ileu cnuan No- nghi ngo - t. i l\o- co Kna nang mat von - Nhd cila, vat ki6n tr[c - Mriy m6c, thitSt bi - Phuo'ng ti6n vdn tAi - Dung cg qu6n ly vd phAn mdm tin hoc Tf IQ dg phdng cq th6 0% 5% 20% 50% 100% 9. Tiri sin c6 tlinh i +. t. r r ' I ar san co dtnh duo-c th6 hi€n theo nguyOn giri tril di khAu hao lfry k6. Nguy€n giri bao g6m todn b6 ciic chi pni rna Ngdn hdng phAi bo ra d6 c6 duo-c tdi sAn c6 dinh tinh d6n thd'i di6m dua tdi s6n d6 vdo trang th6i sin sdng su'dung. Tdi sAn cd dinh duo-c tinh kh6u hao theo phuo-ng ph6p ., - .i . duong thang de tru ddn nguy6n gi6 tei sAn trong sudt tho'i gian hiLu dung u6c tinh nhu sau: l0 - 25 ndm 03 - 05 ndm 06 - l0 nim 03 - 08 ndm Quydn siL dung d6t duo'c kh6u hao theo phuo'ng phdp dud'ng thing phu ho-p v6'i Gi6y chrlng nhAn quyi:n siL dung e6t. quy6n sir dqng A6t vO thd'i han duo-c ghi nhAn theo giri g6c vd kh6ng tinh kh6u hao. 10. Tidn vd cic khofrn tuo'ng cluong tidn Tidn vd ciic khodn luong duo'ng ti6n bao gdm ti0n m{t, vdng, dd quy, ti6n gui thanh toiin tai NFINN, tin phi6u Chfnh phir vd cdc gi6y to'c6 gi6 ngdn han du diOu ki€n chi6t kh6u v6'i NHNN, cdc khoAn ti6n gu'i thanh to6n vd tidn grJri. cho vay tai cdc to chtLc tin dung khiic c6 thd'i han d6o han khong qud 3 thdng ki tu'ngd-r gui. 11. Cdc c6ng cg tiri chinh phfi sinh C6c c6ng cu tdi chinh ph6i sinh duo-c ghi nhAn tr6n bang cdn AOi t6 to6n theo gid tri ho.p clong vdo ngdy giao dich, vh sau d6 clugc ctSnh gi6 lai theo gi6 tri ho. p ly l-o-i nhudn hoac l5 khi cric cdng cu tdi chfnh ph6i sinh duo-c thq'c hi6n duo-c ghi nhdn trong b6o crio ket qua hoat ddng kinh doanh. t,o-i nhudn hoic 15 chua thuc hi€n duo-c ghi nhdn viro khotin muc ch€nh l6ch ckinh gi5 lAi c6c o6ng cu tdi chinh ph6i sinh trOn bdng cdn d6i k6 torin vd duo-c fet chuy6n vdo kt5t qud hoat d6ng kinh doanh vdo thoi diem cuoi nam. [...]... cg tii 2,196,595,9 60,679 chinh Muc 1i6u cua Ngdn hdng la toi cla h6a giri tri dAu trr cua cd d6ng, gifi'vfi'ng t6c d6 tdng truong lo-i nhuAn vd tinh hinh tdi r:hfnh ldnh manh Do vAy vi0c siL dung ciic c6ng cu tdi chinh bao g6m nhdn ti6n giLi cta kh6ch hdng vd dAu tu viro ciic tdi san tdi chinh c6 ch6t luo-ng cao d6 tro.thdnh hoat cl6ng rnang tinh then chot girip Ngrin hdng dat diro'c m[rc ch€nh l€ch... rhd'i di6m lap b6o c6o tdi chfnh cho t6'i ki dinh lai l5i su6t gAn nh6t cia ciic kho6n muc tdi san vd ngLr6n v6n Cdc gia dinh va dii,u ki6n sau du'o-c rip dung trong ph6n tich thd'i han clinh lai lii suAt thuc t6 cua c6c tdi san vd c6ng no- cira Ngdn hdng: 'l'idn mdt, vdng bac d6 quy; g6p v6n dAu tLr dtii han vd cdc tdi san c6 khdc (bao g6m rdi san c6 dinh, b6t d6ng sAn dAu tu vd tdi san c6 kh6c, lril... C6ng t1'CP Ph6t'l'ri€n An ViOt C6ng t1- CP 'Ihuy sdn Gcntraco 1,000,000,000 1 1.00 550.000,000 1 1.00 8,000.000,000 9.90 Ct1,CI'} DAu tu Tdi chinh Nam ViQt 1,500.000,000 C6ng t1'CP thd thao SHB Dd Ning C6ng ty'CP BDS An 'l'hinh Cdng 11, Quan l! ncr vd khai th6c tdi san SHB Cdng t1'CP EAu tu BDS Gentraco C6ng t1' TNI IH Son Ldm , , , ;,,, L ac to clluc Klnn te Knac I 25 8,000.000,000 10.00 20.000.000,000... sin C6 khfc 3U12t2011 VNI) Cric khodn l6i, phi phaithu | Chi phf xAy du'ng co brin do'dang Ciic kho6n phAi thu (*) 31t12t2010 VND 672,259.197 ^7 5 979,580,778.436 | 53,820.545,107 167,766,500,923 1.765,076,108.073 1,623,392,949, l3g 2.096.258,350,282 1 5,587,414,201,213 4,261,547 ,444,413 Duphdng riri ro cho c6c tdi sdn C6 khdc Tdi sin C6 kh6c ,490,807 ,216,916 (*): Khdng bao g6rn tdi sin thu6 thu... qvl ooo $ (\ v) s ?a a rn N JiSHB Ngdn hirng TMCP 15 Sii Gdn - Hn Ti6n m{t, ving b4c, NQi di quy 31t12t2011 VND -.; Tien , , l mat bang ngoaiti VND 293,734,281,400 Ti6n mdt bdng VND 31t12t20r0 129,346.189.805 131,369,301,883 72,012,272,000 425,103,583,293 3U12t2011 3v12t20r0 VNI) VNI) 34,712.661,358 505.232.494.164 31,712,661,358 16 201,358,461,805 505,232,494,164 3U12t2011 3U12t2010 VND VND Ti6n gii'i... 94,660,000,000 18,608,137,989,519 11,636,661,809,819 ' SHB Ngin hhng1'MCP Sii Gdn 18 - IIA NQi Chring khoin kinh doanh 31t12t2011 31t12t2010 VND VND Chrtng khodn Nq - Cht'ng kho6n Chinh phir - Chrlng khoiin No- do cric TCTD kh6c trong nu6'c ph6t hdnh - Chri'ng kho6n No- do cAc 'fCKT trons nu6'c ph6t hdnh Chrbng khorin Vdn - Chrlrng kho6n V5n do c6c TCTD khric trong nu6'c ph6t hdnh - ''; Chung khoan Von... 08t10t2010 bdt cl6u c5 hi6u luc ttr 0U07t2011 la l.r'': NgAn SHB hing TMCP Shi Gdn - IIn 21 Dq phdng NQi rrii ro tin dgng I)rL phdng chung Du phdng cu th€ VND VND 164,823,526,714 107,732,171,165 35,529.798,704 46,600,332,931 t . pni rna Ngdn hdng phAi bo ra d6 c6 duo-c tdi sAn c6 dinh tinh d6n thd'i di6m dua tdi s6n d6 vdo trang th6i sin sdng su'dung. Tdi sAn cd dinh duo-c tinh kh6u hao theo phuo-ng. ,779 94,660,000,000 18,608,137,989,519 11,636,661,809,819 ' .SHB Ngin hhng1'MCP Sii Gdn - IIA NQi 18. Chring khoin kinh doanh 31t12t2011 VND Chrtng khodn Nq - Cht'ng kho6n Chinh phir - Chrlng khoiin No- do cric TCTD kh6c trong. Vinacomin Cdng ty CP dAu tu xay dgng l,lLAMA - SHB C6ng t1'CP thd thao SHB Dd Ning C6ng t1 CP 'Ihuy sdn Gcntraco Ct1,CI'} DAu tu Tdi chinh Nam ViQt C6ng ty'CP BDS An 'l'hinh Cdng