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NNSITBNGAN HANG THU,ONG MAI Co PHAN SAI GoN - HA NoI77 TrAn Hrrng Dao - Qur'ru Hoan Kidrn - Hi Noi
86o c5o tii chintr riOng le
Quy III ndm 201 I
Miu sii: Q-0laTel: 021.39423388 Fax: 0:1,39,110942
Chi ti€u
TD - BANG cAx ool KE ToAN
N{5 chi Thuy0lti6u minh
sti cuiil t<1,
30/9/20rr
Don vr tinh \/N[)56 dAu rrim
0t/r/21111A. TAISAN
I Ti6n m[t, vhng bac, tl6 quy
II Tidn giii tai NI{NN
III Ti6n, vhng giii tpi c6c'ICTD kh6c vi cho vay cAc TCTD kh6c
I Tien, ving gu.i tai cdc TC'I'D khiic
2 Cho vay ciic TC'ID khric
3 Dy phdng r.ui r.o cho vay c6c TC.ID khdc
IV Chf'ng k_ho6n kinh doanh
I Chfng khodn kinh doanh
2 Du phdng giarn giir chilne khoiin kinh iloanh
V Cdc c6ng cu thi chinh ph6i sinh vi c6c tii srin tiri chinh kh6c
VI CIro vay kh6ch hhng
I Cho vay khrich hing
2 Du phdng riti ro cho vay khdch hingVII Chfrrg kho6n dAu tu,
I Chrlrng khodn clAu tLL sin siLng cl6 biin
2 ChIng khorin dirr ru giir den ngay cliitr han
3 Du phdng girirn giri chring khoiin cliu tuVIII G6p v6n, tliu tu'clhi han
I Ddu tu vio cOng ry con
2 V6n g6p li6n cloanh
3 t)Au rr-r v.\o cdng ty li6n k€r
zl l)atr tu dir han khirc
5 Du phong giarn giii r.lltrr trr tlai han
IX Tii srin cii dirrh
I Tii san cd dinh h0u hinh
a Ngtq,An gi(i TSCD hiiu hinh
b Hao min TSCD hiiu hinh
2 Tdi sein cd dinh thuO tiri chinh
a NguyAn gi(i TSCD
b Hao rnon TSCI)
3 f ii san c6 dlrrh v6 hrnn
a Nguy€n giti TSCD v6 hinh
b Hao mbn TSCI) v6 hinh
X n6t d6ng srin tlAu tu.
rr Nguydn giJ BI)Sl)T
b Hao mdn BDSI)T
X Thi srin C6 lduic
I Cdc khorin phdi rhu
2 Cdc khoan lii, phi phai thu
3 Tai sdn thue TNDN hodn lai
4 Tdi san Cci khhc
5 Cdc khoan du phirng rui ro cho cdc tiri srin C6 n6i ban-e kh6c
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137,214,997,614
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2,058,899,1 13,391
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Chi tiGu NIii chi Thuydt s6 cu6i ty Sii tlAu nlmti0u mintr 3O/9/Z0tl 0t/U20tl
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2 Vay cric TCTD khdc
III Ti6n grii ciia khrich hhng
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THUYET MINH BAO CAO TAI CTTIXH NTNXC TgQuf III.2011
1. Th6ng tin vd ngin hing
Gidy ph6p hoat trQng Slliil:|ffi*fJ"'*,rj,ru'ujlffi\'fJ;udc ViQt Nam cap
Tho:i hanhoat dQnf cta li'gdn hang ld 40 kc til ngdy c6p giAy phdp dAu
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HQi tldng Quin tri
Chn tich 86 nhiQm ngdy 16 th6ng 6 n6m 2008
Uy vi6n Bd nhiQm ngdy 16 thdng 6 ndm 2008
Uy vi6n Bd nhiQm ngdy 16 th6ng 6 ndm 2008
Uy viOn BO nhiQm ngdy 16 th6ng 6 ndm 2008
Uy viOn Bd nhiqm ngdy 16 th6ng 6 ndm 2008
Uy vi€n Bd nhiQm ngdy 16 thdng6 nim 2008
Thdnh vi€n dQc lQp 86 nhiQm ngdy 10 th6ng 8 ndm 2010
Ong D6 Quang Hir5n
Ong Nguy6n Vdn L€
6ng Nguy6n Van Hdi
Ong TrAn Nggc Linh
Ong Phan HuY Chf
6ng TrAn Thoai
Ong L6 Ki€n Thdnh
Ban ki6m soft
Bd Ddm Ngoc Bich Truong ban
Ong NguySn Hiru Dric Ph6 Truong ban
Bd Nguy6n ThiH6ng UY€n Thdnh vi€n
Ong Luong Dri'c Chinh Thdnh viOn
6ng BiriThanh TAm t'hdnh vi€n
Ong Phqm Hda Binh Thdnh vi0n
Ban Tdng Giim tt6c
Ong Nguy$n Vin Ld T6ng Gi6m d5c TAi bO nhi6m ngdy 08 th6ng 5 ndm7007
O"l pa"g Trung Dfing Ph6 T6ng Gi6m d6c 86 nhiQm ngdy 01 th6ng 9 ndm 2006
$ng Bni Tin Nghf Ph6 T6ng Gi6m d5c 86 nhi6m ngdy 05 thrlng 6 ndm 2007
Ong L6 Dang Khoa Ph6 T6ng Gi6m dOc BO nhiQm ngdy 10 th6ng 4 ndm 2009
pham V6n Thdng Ph6 T6ng Gi6m d6c Bd nhiQm ngdy 0l th6ng I I nim 2010
Ng6 Thu Hd Ph6 Tdng Girlm d6c 86 nhiQm ngdy 15 th6ng 3 n6m 2011
rr:--t- Tr-: r ^- DL..^*^ v A tn6n rrrrlmo 86 nhi6m nsiLy 27 thdngT ndm 20081\lIllr Llll Ld.ll I rruvrrS
Tru s0 chinh 36 77 -TrAn Hung D4o - Q.Hodn Ki6m - TP'Ha NQi - ViQt Nam
Bd nhiQm ngdy 16 th6ng 6 n[m 2008
BO nhiQm ngiry 20 th6ng 5 ndm 2009
86 nhiQm ngdy 16 th6ng 6 ndm 2008
B0 nhiQm ngdy 16 th6ng 6 ndm 2008
86 nhiQm ngdy l6 thang 6 nim 2008
Bd nhiQm ngiry 20 th6ng 5 ndm 2009
N,NFHBNgAn hing TMCP Siri Gdn - He NQi
Ngdn hdng Thuong mai C6 phAn Sdi Gdn - Hd Noi (du6i d6y gqi tit lA "Ngan hdng") ld mot
ng6n hdng thuo'ng mai c6 phAn ViQt Nam thdnh l$p tpi nu6c CQng hda Xd hqi Chn nghia ViQt Nam
v6i thoi gian ho?t dQng ld 40 nam theo 0041-NlvGP ngdy 13 th6ng 11 nim 1993 c]fLa Ng6n hdng
Nhd nu6'c Viot Nam. v6n di6u l€ cria Ngdn hdng tpi ngdy 301912011 ld 4,815,795,470,000 d6ng
(B6n nghin t6m trf,m mud'i lim ty bay trdm chin l6m triQu bon trdm bAy muoinghin cl6ng)'
Hoi so chinh cria NgAn hdng dat t?i s6 77 -TrAn Hmg Dpo - Q.Hodn Ki6m - Ha Noi - ViQt Nam'
Tpi ngdy 301912011, NgAn hdng c6 2486 nhdn vi6n (DAu n6m 2011: 1889 nhdn vi€n) '
3. T6m tft cfc chinh sdch k6 tofn chfr y6u
Chuin mqc vi cn6 aq t6 tofn riP dgng
Ngdn hdng trinh bdy c6cb6oc6o tdi chinh bSng d6ng Vigt Nam (VND) theo Luat c6c T6
chri'c Tin dung, LuQt sri'a d6i vi b0 sung m6t s5 di6u trong Lu6t c6c T6 chric Tin dung' c6c chuan
mqc k6 to6n Vi€t Nam vd HQ th6ng K6 to6n c6c t6 chfc tin dgng viet Nam.
K] b6o c6o vi tlcrn vi ti6n tQ
Kj,b6o c6o cua Ngdn hdng uat eau tir ngdy 0110112011 vd ktit thric vio ngiry 3010912011'
Don vf tiAn tQ su dgng trong ghi chdp k€ to6n ld ddng ViQt Nam (VND)'
4. Nguy6n tic ghi nhin c:ic nghiQp vg blng ngo4i tQ vi quy tl6i
Theo hd th6ng k6 toAn cira NgAn hdng, t6t ch citc nghiQp vg ph6t sinh cria NgAn hdng duo-c
hach to6n theo nguy6n te. Tai thd'i di€m cu6i nAm, tdi sdn vd c6ng ng c6 nguiin g5c ngoai t0 dugc
quy d6i sang \ND theo tj,gi6 quy clinh vdo ngdy lflp b6ng c6n OOi tri to6n. C6c kho6n thu nhap vd
chi phi bing ngo4i tq c1a Ngdn hdng dugc hqch to6n bing VND theo ty ei6 vdo ngdy ph6t sinh
th6ngquagiaodlchmuab6nngo4it€.Ch0nhlechrjgiSdod6nhgi6|qic|ctdikho6nkinhdoanhngoai td clugc hpch to6n vdo b6o cao KCt qui Hoat dQng Kinh doanh vd lgi nhu4n eC tai' Ch€nh
lQch tj, gih phdtsinh do quy d6i c6c tdi sdn vd c6ng no kh6c bing ngo4i tQ sang \D{D duo-c xu l;i'
vdo doanh s6 cria ciic kho6n muc tuorlg ring trdn bdng'cdn Ooi tctl to6n vdo ngdy lQp b6o c6o tdi
chfnh.
5. Chring khofn tliu tu giir tl6n ngiy d6o h4n
Chrlng kho6n ng gifi' d6n ngdy d6o h.n ld c6c chring khoiin c6 ki'hpn cO Ointr vd c6c khoin
thanh to6n c6 e6n hoic c6 th€ x6c dfnh dugc vd Ban T6ng Gi6m d6c c6 y dlnh vd c6 kha ning gifr
d6n ngdy d6o hpn. Ngin hdng dang ghi nhdn c6c chrlng kho6n ndy theo gi6 gdc cQng iii 6u iliu ti:'i'
lai cho phdn b6. Gi6 tri phg trQi hoac chitit khau (ntiu c6) cfing duoc phin 6nh vdo gi6 tri ghi s0 cira
Au tu. Ldi dugc dg thu hopc phdn b6 theo phuong ph6p duong thing' Chring kho6n iluockhgnn d69fu: LAr.duoc d!
. )..,glu oC" trtioao rran ,e clugc xem x6t v€ khz nang gjam gi6' chung kho6n dugel4p dg phong g+a{n
, t f,.6ru uwrr
gi6 khi gi6 trl thi trudng nho hon gi6 tri ghi s6. Dy phdng giim gi6 duoc ghi nh$n vdo b6o c6o k6t
zqu6 hoat dQng kinh doanh'
N'S SHBNgdn hing TMCP Sii Gdn - Hn NQi
6. Chrlng khoin tliu tu sin sing eC Uen
Chung khoiin clAu tu sfin sdng Oe Uan ld crlc chung khorin itugc gifi'trong thd'i gian kh6ng iirn
dinh trudc, c6 th6 dugc b6n ee eap fng nhu cAu thanh khodn hopc d6 ring ph6 v6'i trudng hop thay
d6i lai su6t, ti gi6, ho6c gi6 tri chfng kho6n. Ngdn hdng dang ghi nhQn c6c chring kho6n ndy theo
gi6 g6c c6ng ldi dg thu trir ldi chd phdn uo. cia tri phu trdi ho{c chii5t khAu (ni5u c6) cfing duo. c
ph6n 6nh vdo gi6 trl ghi s6 cria kho6n dAu tu. Ldi clugc dg thu ho{c phdn b6 theo phucrng ph6p
cluong th6ng. C6c chring kho6n ndy duoc cl6nh gi6 dinh k! theo gi6 tri thltruong vd dg phdng gi6m
gi6 tri s€ dugc lap khi gi6 tri thi truong nho hon giri tri ghi s6. Dq phong gidm gi6 duoc ghi nhdn
vdo brio c6o ki5t quA hopt cl6ng kinh doanh.
7. Chring khofn kinh doanh
Chftng kho6n kinh doanh ld chri'ng khodn ban dAu dugc mua vd n6m giir cho muc dfch kinh
doanh trong ngfn han hodc n6u Ban T6ng Gi6m ddc quy6t dlnh nhu v4y' NgAn hdng dang ghi nh4n
cdc chil'ng kho6n ndy theo gi5 gdc vdo ngdy giao dich. Trong c6c k] ti6p theo, c6c chimg khorin tiilp
tgc dugc ghi nhdn theo gi6 gdc. Tuy nhi6n, gi6 tri thi truong cria c6c chring kho6n vfin dugc NgAn
hdng theod6i dC d6nh gi5 ve khd ning gi6m gi6 khi gi6 tr! thi trudng thfp hon gi6 g6c' Ngo4i trri
,.oorrg hqp kh6ng th€ x6c dinh gi6 tri thi trudng mdt c6ch chic ch6n thi giri tri cria chring dugc tinh
dga tr6n nguy€n gi6 sau khi trir di t6n th6t u6c tinh (niiu c6). Lii holc 16 tir kinh doanh chung
kho6n dugc ghi nhan tr€n b6o c5o kt5t qud ho4t dQng kinh doanh theo s6 thuAn'
8. Crlc khoin cho vaY
Ciic khodn cho vay ngin han c6 ky han dudi 1 nim; c5c khodn cho vay vd cho thu€ tdi chinh
trung han c6 kj,h?n tir' 1 n6m d6n 5 ndm vi c6c khoin cho vay vd cho thu€ tdi chinh dii han c6 ky
hAn tr6n 5 ndm k€ tn'ngdY giAi ngdn.
Vioc phdn loai no- vd l?p dg phdng riri ro tfn dpng dugc thgc hi6n theo Quytit dinh s6
4g3tZ115teD-NHNN ngiry 22 thdng 4 n[m 2005 vd Quytit dfnh sO 18120071QE-NHNN ngiry 25
th6ng 4 ndm 2007 cria Th6ng d6c Ng6n hdng Nhd nu6c ViQt Nam. c6c kho6n cho vay dugc ph6n
thdnh ndm nh6m no can cit vdo tinh hinh tr6 ng vd c6c ytiu t6 alinh tinh nhu sau:
Nhdm l; I'{q du ti€u chuan
o Circkhoin no trong han md Ngdn hdng d6nh gi6 ld c6 dri khi ning thu h6i dAy dri cd
g6c vd lli dring thdi han;
o C6ckho6n ng qu6 h4n du6'i 10 ngdy vi Ngdn hdng cl6nh gia ia co khir nang thu h6i
dAy dtr g6c vd lai bi qu6 han vd thu hdi dAy dri g5c vd 16i dfng thli hpn con lai;
, . Nhdm 2: Nq can chil Y
o CirckhoAn no qu6 han tu l0 ngdy diin 90 ngdy;
. Circkhoin no. diOu chinh kj'hpn tr6 ng lAn dAu;
wN F."trBNgdn hdng TMCP Sii Gdn - Hn NQi
o Cdc khoAn no. co c6u lai thdi han trA no trong han theo thoi han duo. c ccr c6u lai.
Nhdm 3; Nq tlrdi ti|u chudn
o Cdc khodn no qud han tu' 9 I d6n I 80 ngdy;
o Cdc khodn ng co c6u lai thoi hpn trA no lAn dAu, trt cAc khodn ng di6u chinh kj,. han tr6
no. l6n cl6u phdn lo4i vdo nhom2;
o C6c khoin ncv duoc mi6n ho4c gidm l5i do khrich hdng kh6ng dri kha ndng trA lai dAy dri
theo hqp dong tfn dung;
Nhdm 4: Nq nghi ngd
o Cdc khoAn no qu6 hpn tir 181 d6n 360 ngdy;
o C6c khoin ng co cdu lai thdi han tr6 no lAn dAu qurl h4n du6'i 90 ngdy theo thd'i han
tr6 no- duoc co'cAu lai lAn dAu;
o Ciic kliodn no co cdu lai thd'i han tr6 no- lAn thri hai;
Nhrim 5: Nq c'ri kha nang,nat u,jn
o Chc khoin no quii han tr6n 360 ngdy;
o Citc khodn ng co c6u lai thd'i h4n trd no lAn dAu qu6 hpn tir 90 ngdy tro l6n theo thoi
han trA ng dugc co'c6u lai lAn dAu;
o Cdc kho6n no co' c6u lai thoi h4n tri no dn thri hai qu6 h4n theo thdi han trd no
dugc co c6u lai lAn thf hai;
. Cdc khoin ng co c6u lai thd'i han tri ng lAn thri ba tro l0n, k6 cA chua bi quri han
hodc dd qu6 h4n:
o Cdc khoAn no khoanh, no chd'xft ly;
Theo Quy6t dinh sO +SZ|ZOO5IQD-NHNN ngity 22 th6ng 4 n[m 2005 vd Quy6t dinh sd
18120071QE-NHNN ngdy 25 thdng 4 ndm 2007, COi vOi ciic khoin no qu6 han, t6 chirc tin dung
phdn loai l4i vdo nh6rn no c6 nii ro thAp hon khi Ngdn hdng drinh giri ld c6 dt kha ning thu nOi AAy
"idu cd g6c vd ldi; vd kh6ch hdng c6 tdi li6u, hO so chimg minh c6c nguyOn nhAn ldm khoin no ndy
qu6 hpn dugc xu ly, khic phuc. Ngdn hdng chu dQng tg quytit Olntr phdn loqi c6c khoAn ng vdo c6c
nh6m ng rti ro cao hon tuong ring v6'i mfc dQ rrii ro khi xhy ra mQt trong giic trudng hgp sau ddy:
. Khi co nhirng di6n bitin b6t lo.'i tir tiic ddng ti6u cgc ctt5n m6i trudng kinh doanh vd
lTnh vqc kinh doanhi
o Ckcchi ti0u tai chinh cria khdch hdng ho4c khi ndng trd no- cfia khach hdng bi suy gi6rn;
. Kh6ch hdng khOng cung c6p cho Ngdn hdng c6c th6ng tin tdi chinh kip thoi, dAy dri
vd chfnh xdc d6 Ngdn hdng drinh gi6 khd ndng tr6 no cta kh6ch hdng.
Dq phdng rti ro tin dgng: ViQc tfnh dq phdng cU th6 duoc cdn cri tr6n c6c ty lQ 6p dpng cho
timg nh6m ng nhu sau:
/.
N.NFHBNgffn hdng TMCP Sii Gdn - Hn NQi
Nh6m Lo4i Tf Ig dr; phdng c$ th6. t:: ,1.. ,: ::, .,
1 No dri ti€u chu6n 0%
2 No cAn chri y 5%
3 Ng du6'i ti6u chuAn 20%
4 Nonghi ngo 50%
5 No- c6 kha nang m6t vdn 100%
9. Tdri sin c6 einl
Tdi sdn cO Ointr clugc th6 hi6n theo nguy6n gi6 trir di kh6u hao lfiy kt5. Nguy€n gi6 bao g6m
todn b6 c6c chi phf md Ngdn hdng ph6i bo ra cl6 c6 dugc tdi sdn c6 dinh tinh d6n thd'i di€m clua tdi
sin d6 vdo trang th6i sin sdng sri'dung. Tdi sdn cd clinh du-o. c tinh kh6u hao theo phuong ph6p,' .]
duong thdng dd tril ddn nguy€n girl tdi sin trong sudt thoi gian hfiu dung udc tinh nhu sau:
- Nhd cri'a, vdt ki6n truc 10 - 25 ndm
- M6y m6c. thi6t bi 03 - 05 ndm
- Phuong ti€n vdn tdi 06 - 10 nim
- DUng cg qudn l;f vd phdn mdm tin hoc 03 - 08 ndm
QuyAn su dung ddLt dugc khAu hao theo phuong ph6p cluong th6ng phu hgp voi GiAy chfngi " , -4. ^ x '
nh4n quy€n sf dpng ddt. Quy€n sir dpng dat vd thdi han dugc ghi nhdn theo gi6 gdc vd kh6ng tfnh
khdu hao.
10. Ti6n vi c{c khoin tucrng tluong ti6n
TiAn vd ciic khoAn tuong ducrng ti€n bao g6m ti€n m{t, vdng, dri quy, tiAn gu'i thanh to6n tai
NHNN, tfn phi6u Chinh phri vd cdc gidy td c6 gi6 ngin hgn drl di6u kiQn chi6t kh6u v6'i NHNN, ciic, ..t
khoAn ti€n gt'i thanh to6n vd ti€n grii, cho vay t1i ciic td chric tin dgng khric c6 thoi han d6o han
kh6ng qua 3 thdng k6 tu ngay gu'i.
11. Cfc cOng cu tii chinh phii sinh
C6c c6ng cp tdi chfnh ph6i sinh du-o. c ghi nhQn tr6n bing cdn AOi f6 to6n theo gi6 tri hop ddng
vdo ngdy giao dich, vd sau d6 du-o. c d6nh giri lai theo gi| tri hqp ly. Loi nhudn hoic 16 kh i ciic c6ng
cu tdi chinh phiii sinh duo-c thuc hiQn du-o. c ghi nh4n trong biio crio ktit quir hoat dQng kinh doanh.
. .IOinhupn hopc 16 chua thgc hiQn
-rlu'gc .Sfryrnfln vdo khodn mqc ch€nh lggh
_danh ql6 lpf cric cdng
c,itai Ctrinrr phai ilnh trcn ba;g ;a" a'oi [6 torin vd dugc k6t Ctt"ycn "ao
fct qu- tloat o6ng riinh
doanh vdo thd'i di6m cuSi nam.
W,SSr{BNgin hing TMCP Shi Gdn - Hn NQi
12. Ghi nh6n thu nhdp/ chi phi lfli
NgAn hdng ghi nh4n thu nh6p tu ldi vd chi phi ldi duo-c ghi nhdn tr6n b6o c6o k6t qu6 hoar
dQng kinh doanh tr€n ccy so du thu, dr,r chi.
13. Ghi nh0n thu nhdp tt phi vd hoa hdng dich vu
NgAn hdng thu phi tt cdc dich vu cung c6p cho kh6ch hdng. Thu nhQp tu phf c6 th6 chia thdnh
c5c nh6m sau:
o Phi thu til viQc cung chp dlch vq't trong nQt thdi gian nhdt itlnh: Phi thu tir vi6c
cung c6p dich vu trong m6t thoi gian ntr6t einn dugc dg thu trong su6t thcri gian cl6. Phi ndy
bao g6m phi qudn ly, phf nh6n riy th6c, hoa hdng vd cdc phf 1i0n quan d€n c6p tin dung,
qu6n ly tdi sin, phi qudn ly danh mgc vd c6c chi phi quAn ly cfing nhu phi tu v6n khiic.
o Phf tlru t* viQc cung cAp dlch vu giao dlctr: Phi ph6t sinh tir vi6c ddm ph6n vd tham
gia cldm phdn c6c giao dich cho mQt b6n thri ba, vi du nhu ddn xtip viQc mua c6 phAn hoic
c6c lo4i chring kho6n khdc hopc mua l4i doanh nghiQp , du-o. c ghi nhdn khi hodn t6t giao
dich li€n quan. Phi hodc rndt phAn cria khoAn phi ndy c6 li6n quan di5n vi6c thuc hiQn rndt
cdng viQc nhAt dlnh sC dugc ghi nh6n khi hodn t6t elAu ki6n tuong irng.
:p oo35R\o;a as 3=$a,aF.S. qi;;. \- -F R -\ 6-9nf Sg9\OF-<+nF-oooo.\!^6t(-.|\.:5U=.{ q n - ": 2 'o.':S\C\COm--:'a\f-\ o\ ci f_ ; R R 99 J S S ; 5 o\ t-- F.-<--<--e-;3;qnY--RS!
$ E R X I \o S Er A S F K Erd,1t3+i\ h 36 nnXE3q3\ob-Gg
a -F =HFS9Fg"€.€-:xfc-r=e-R $$ xi -'i=53s= ?3 ssdi=RF T3 TS*T5*.:iiyf"9
'ooooi' g8* -i o'd
a o- c.Ica r,(-.t
r+
:"i 83.:aAggs" fiEs"nggESilo\5c..;r\4RS€=q.9n:g g=ripil*q sil[sarq{ R =
\c d = S E S A S S f.i- N 53its H3*A"=A
aeae n€$" s.Q.+=*$ sta *{siSF K=5" EEavI'\9*dRds *3* i=
\':::il'.= r'-,i ...1xn
\d.co6F-:oo
<G.
(O.
O.cg9
.cq
=b!(o
Lr
.+
:6.z'c!F
r|tv
:e(nA
UF^, 5-i
J=til*'fr'''. 'Evl .
ffi, .F.:N. boNiz
WNPH,SNgin hing TMCP Siri Gdn - Hn NOi
15. Ti6n m[t, virng b4c, ili quf
Ti6n m4t bdng VND
-.1 -,, :Ti6n mat bdng ngoai td
16. Ti6n giri t4i Ngdn hing Nhir nudc
Ti6n gui thanh tofintai Ngdn hang Nhd
nuoc
-. ;.Ti€n gui phong toa (n6u c6)
Ti6n zui khdc
17. Tiiin, ving gfri t4i cdc t6 hric tin dgng khrlc
Tiin, vdng gfri kh6ng k, hqn
- Bing VND
- Bing ngoai t6; vdng
Tiin, vdng giri cd ki hgn
- Bing VND
- Bing ngoai t6, virng
312,016,679,908 201,358,461,905
3010912011
\A{D
1n/20t1
\TND
242,114,099,600
69,902,580,308
I29,346,799,905
72,0I2,272,000
30t09t2011
\T{D
0U0U201r
\ND
599,691,354,221 505.232.494.164
599,691,354,,221 505,232,494,164
30t09/20r1
\TND
0u0U20II
VND
5,987,814,042,040
5,397 ,124,370,824
590,089,671,?16
13,182,244,583,333
1r,996,r34,583,333
1,1 86,1 10,000,000
5,972,692,782,04 I5,847,526,306,889
r37,r66,475,753
5,663,969,027,778
5,569,309,027 ,178
94,660,000,000
19,170,058,625,373 11,636,661,809,819
NB.NSHB
NgAn hdng TMCP Sii Gdn - Hd NQi
18. Chfng khodn kinh doanh
Chftng khodn Nq
- Chfng kho6n Chfnh ph0
- Chung kho6n Ng do c6c TCTD khric
trong nudc ph6t hdnh
- Chung kho6n No. do c6c TCKT trong
nu6c phrit hdnh
Chrhng ktrotin V6n
- Chring kho6n V6n do c6c TCTD kh6c
trong nudc phrit hdnh
- Chirng khoiin V6n do c5c TCKT trong
nu6c phrlt hdnh
Chftng khodn kinh doanh khtic
Dry phbng giim gid chrt'ng khodn kinhdoanh
30t09t2011
\,rND
0t/0U2011
\TND
Thuy6t minh vd tinh tr4ng niOm y6t cfta cfc chring khoin kinh doanh
30t09/201r
\,IND
Chrhng kltodn Nqi.
- ua nrem yeti.
- Lnua nlem yet
Ch*ng hhotin VdnL
- ila nrem yeT
- Chua ni€m ytSt
Chfing khodn kinh doanlt khtic:t.
- ila nlem yet
- Chua ni€m v€t
0U0U20ll
\TND
NSHBNgAn hing TMCP Sii Gdn - HA NQi
19. C6c c6ng ct; tii chinh ph:ii sinh vi cfc tiri sin tii chinh khic
T6ng gid tri cua' -;nw dong (rneo rygid ngdy hi€u hrc
r:,..nw aong)
T4i ngdy 30 thdng 9 nim 20ll
C6ng cg TC phtii sinh tiin tQ
Giao dich kj' h4n tiAn tQ 286,387,757,346
Giao dlch ho6n d6i ky han
286,387,757,346
T3i ngdy 0l thr[ng 01 nim 2011
Cbng cr1 TC phtii sinh tiin tQ
Giao dich kj'han ti6n tQ 138,561,862,265
Giao dich ho6n d6i kj'han 49,902,858,800
188,464,721,065
20. Cho vay khdch hdng
Cho vay c6c t6 chfc kinh t6, c6 nhdn trong
nu6c,,t. ,, A
Cho vay chi€t khdu thuong phi€u vir c6c
gidy to c6 gi6
Cho thu€ tii chinh
C5c khoin trdthay kh6ch hdng
' J A .,Cho vay bdng v6n tiri trg. uy thdc ddu tu
Cho vay AOi vOi c6c t6 chric, cd nhdn nu6c.^-^A:rrEUcrr
Cho vay kh6c
Ng cho vay dugc khoanh vi ng cho xir Iy
Tong gid rri ghi s6 ki todn
(theo tj, gid tqi ngdy ldp bdo cdo)
Tdi sdn
58,135,065,588 (49,367,472,691) 8,767,592,997
2,286,8A4,226 (2,341,930,275) (55,126,049)
60,421,869,814 (51,709,402,966) 8,712,466,848
142,117,439,795 (139,903,889,155) 2,213,550,640
49,902,858,800 (55,016,000,000) (5,113,141,200)
192,020,298,595 (194,919,889,155) (2,899,590,560)
Gid tri tdi san/Long no
(cong no) ronP
30/09t2011
\TID
01t01t2011
\TND
28,188,275,126,684
'21,732,436,733
14,384,394,348
27,454,673,711
24,270,102,929,486
450,000,000
20,914,017,470
9,687,046,606
2 4,,30 1,,153,,9 93,56228,251,846,631,476
10
NNS"HBNgin hhng TMCP Shi Gdn - Hn NOi
20.1. Phdn tich chdt luqng nq cho vay
Nq dtr ti€u chuAn
Ng cAn chri yt
1\O OUOI ileU Cnuan
No nghi ngo, t. Ar\o co Kna nang mal von
20.2.Phdn tich du nq theo thoi gian
Ng ngdn hpn
Ncr trung h4n
Nq ddi h4n
26,951,911,7 56,652
862,149,297,523
98,953,234,994105,992,273,052232,840,129,255
30/09/20r1
\TND
0r/0r/20rr
'TND23,363,669,334,977
596,554,769,933
36,159,292,942
39,376,036,390265.39s.s59.s20
28,251,846,631,476 24,301,153,993,562
30/09/2011
\TND
0t/0U2011
\TND
17 ,667 ,749,695,157
6,482,081,852,853
4,102,055,083,466
15,595,701,013,188
5,390,058,295,340
3,3I5,394,685,034
29,251,846,631,476 24,301,153,993,562
20.3. Phfln tich du nq cho vay theo C6i tuqTg khdch hing vi lo4i hinh doanh nghiQp
30t09t2011 0u0ll201l
\"T.{D o VND "h
Cho vay cdc TCKT
Doanh nghi€p Nhir nucrc trung uong
Doanh nghiQp Nhir nudc <l!a phuong
C6ng ty TNHH Nhi nudc
C6ng ty TNHH tu nh6n
Cdng ty co phin Nhd nuoc. L: r!.
LOng ry co pnan Knac
C6ng ty hqp danh
Doanh nghidp hr nhrin
Doanh nghiQp c6 vi5n dAu tu nuoc ngo?ri
,.. , .,(.^ .,.1Klnn te tap Ine
Cho vay cd nhfrn
20,400,344,914,709
1,333,390,872,754
78t,718,7i3,516
2,352,235,978,336
5,801,366,535,368
2,113,825,078,364
7,055,571,375,270
5,764,152,000
s83.822.907.058
337,853,902,457
34,795,440,187
7 ,686,036,699,322
72.21 13,720,512,092,554
4.72 468,829,488,391
2.77 33,129,458,051
8.33 800,504,985,460
20.53 4,572,949,481,058
7.48 1,603,339,586,977
24.97 5,531,298,442,466
0.02 600,000,000
2.07 235,047,938,823
1.20 418,702,346,512
0,12 56,110,364,876
27.21 10,568,191,827,030
56.46
1.93
0.14
3.29
18.82
6.60
22.76
0.00
0.97
1.72
0.23
43.49
Cho vay khtic
28,251,846,631,476
t65 ,465,017 ,445 0.59 12,450,073,978
100.00 24,301,153,993,562 100.00
t1
0.05
NN F*IRNgin hirng TMCP Shi Gdn - Hn NQi
20.4. Phfln tich du nq cho vay theo nginh kinh t6
NOng nghiQp vd l6m nghiQp vd thriy sin
Khai kho6ng, i, ': , :
Uong nghlep che bren. che tao| , ,l.
Sdn xudt vd phrin ph6i diQn, khi ddt. nuoc, . -.1 , ,
n6ng. hoi nuoc vir didu hoa khdng khi
Cung c6p nu6c; hoat dQng qudn lj vd xu lyrdc thdi, nu6c thdi.
Xdy dpng
B6n bu6n vd b6n 16; sria chfra 6 t6, m0 t6, xe
m6y vir xe c6 dQng co khdc
Vfn tdi kho bdi
Dich vu luu tni vd 6n u6ngi .i ^I nong lrn va lruyen lnong
Ho4t dQng t?ri chinh. ngdn hdng vd bAo hi6m
Hoat dQng kinh doanh b6t dQng sdn
Ho4t dQng chuy0n m6n, khoa hec v?r c6ng
nghc
Hoqt dQng hdnh chinh vd dich vu h6 trg
Hopt dQng cia cldng CQng s6n, td chuc chinhtri - xd hQi. quan ly nhd nu6c, an ninh qu6c
Gi6o duc vd ddo tao.',;Y td vir hoat dQng trg girip xa hQi
NghQ thuflt, vui choi vd gidi tri
Ho4t dQng dich vtt khtic
Hoat dQng ldm thu6 c5c c6ng viQc trong cdc
hQ gia dinh, s6n xu6t sdn phdm vit ch6t vddich vu tu ti€u dtne cria hd eia dinh
Ho4t dQng cta c6c t6 chfc vd co quan qu6c tti
30/09t20r1
VND
0t/01/2011
VND
2,837,840,594,894
2,971,803,445,65s
5,246,06r,73r,444
273,005,120,871
5,943,354,171
3,243.329,047,445
5,068,186,195,034
2,060,263,731,78r
1,517 ,940,355,720
34,506,015.427
439,600,837,225
r,5r4,38r,929,498
20,427,t98,570
29.496,796,843
5,625,458,673
15,426,117,160
45,516,917,453
r 5,68 1,495,000
2,762,594,547 ,550
I 38,102,305,669
6,113,43s,393
10.04
10.52
18.57
0.97
0.02
I 1.48
t7.94
7.29
).5 I
0.12
1.56
5.3 6
0.07
0.10
0.02
0.05
0. 16
0.06
9.78
0.49
0.02
|,378,592,027 ,9t42,416,171,015,953
3,426,000,069,370
794,000,016,077
2,696,000,054,589
3,796,000,076,862
|,550,416,920,693
76,054,146,902
703.583,124,946
593,753,012,022
261,205,715,790
13,756,873,317
15,600,000,3 16
r 75,000.003,543
45.700,000,925
5.963,884,84 l, I 45
345,336,r42,343
40.706,950,665
9,393,000, r90
5.67
9.94
14.10
J.l /
0.00
I 1.09
15.62
6.3 8
0.3 r
2.90
2.44
1.07
0.06
0.00
0.06
0.72
0.l9
24.54
1.42
0.11
0.04
28,251,846.,631,476 100.00 24,301,153,993.562 100.00
56 liQu du no'ddu kj, 01101120.1I cluoc phdn lo4i theo ngdnh kinh tO quy djnh lpi trong Php lucban hdnh kdm Th6ng tu s6 zllz}l}lTT-NHNN ngdy 08/1012010 bdt dAu c6 hi€u luc0U07120t1.
07tir
12
NP}{FNgf,n hirng TMCP Siri Gdn - Hi' NQi
21. DU'phdng rfri ro tin dgng
Ki ndv
Sti au dflu k!Dg phdng rui ro trfch lQp trong kj'/ (Hodn
nhf,p dr,r phdng trong ki')Dg phdng giim do xt' ly c5c khoin ng kh6
thu h6i bing ngu6n dg phdng
Di6u chinh tdng/ (giim) kh6c
s6 au cuiii t<Y
Ki trwhc
si5 au dAu k]Dg phdng rfri ro trfch 14p trong kj'/ (Hodn
nhdp dU phdng trong ki')Dg phong gidm do xu l;f cdc khoin nq kh6
thu hdi bing ngudn du Phong
sri au cutii t4'
22.Chirngkhofn tlflu tu
22.1. Chftng khorin tIAu tu sin sing eC nan
Chfrng khodn NqChimg khodn Chinh phit
Chimg khodn Ng do c6c TCTD kh6c trongnudc ph6t hdnh
Chimg kho6n Ng do c6c TCKT trong nu6cph6t hdnh
Chr?ng khotin V6n
Chimg kho6n V5n do c5c TCTD khdc
trong nudc ph6t hdnh
Chimg kho6n V6n do c6c TCKT trong
nu6c ph6t hdnh
Dq phbng giftm gid chfing kltodn sdn
sdng etd bdn
L99,664,454,004 108,985,226,114
Dg phdng chung
\TND
Dr,r phdng crJ th6
\TND
164,823,526,714
34,840,927,290
107,732,171,165
1,253,054,949
52,669,880,366
112,153,646,348
74,413,751,543
33,318,419,622
164,823,526,714
30/09/201r
\TND
0t/0U2011
\TND
8,040,826,159,569
950,000,000,000
J,218,740,822,353
3,872,085,337 ,216
20,711,620,0q0
11,688,790,000
^ ^^^ d^n nnn
Y,V2Z,6JU.VVV
(13,367,336,800)
7,211,23 5,119,909
350,000,000,000
3,001,686,034,713
3.859,549,085,196
20,126,000,000
11,328,170,000
o rn? oan nnno,/y/roJUruvv
(13,418,874,800)
ep4&J7or'42J6e 7?r7;e42e4sJ0e -
13
L07,732,171,165
N.$SHBNgAn hing TMCP Sdi Gdn - Hd NQi
22.2. Chftngkhor{n ttAu tu giir tl6n ngdy tlio h4n
Chung kho6n Chinh phtChung khoein Ng do c6c TCTD kh6c trongnudc ph6t hAnh
Dr,r phong giAm gi6 chirng khorin dAu tugif d6n ngdy c16o h4n
23. G6p vdn, dAu tu ddi han
- Phdn tfch gi6 tr! dAu tu theo lo4i hinh cldu tu:
DAu tu vdo cdng ty con
C6c khodn dAu tu vdo cdng ty li6n doanh
Ciic khodn clAu tu vdo cdng ty li€n k6t
C6c khodn clAu tu ddi han kh6c
Dg phong giAm gid dAu tu diri han
c6ng f)/ cP thc thao sHB Dd N6ng
C6ng ty CP Thny s6n Gentraco
Cty CP EAu tu Tdi chinh Nam Vi€t
Cdng ty CP BES An Thinh
3,844,340,000,000 1,300,000,000,000
30/09/2011VND
01/ot /20t I\TND
1,000,000,000,000
2,844,340,000,000
1 ,000,000,000,000
300,000,000,000
30t09/201r
\TND
0U0U2011
\TND
20,000,000,000
334,289,000,000
20,000,000,000
3 1 7,3 89,000,000
Danh mgc c6c khoin tliu tu, g6p v6n nhu sau:
30/09/201rTGn cric il<rn vi
354,289,000,000 337,389,000,000
ol/or/20r17 o/o Sd(tra qoc- nlru
Cdng ty CP Edu tu vd PT Cao Su NghQ An 12'000,000'000 8.00C6ng ty CP quin lf qu! ddu tu Sdi Gon - HdNoi 5,200,000,000 10.40
C6ng ty CP CK Sdi Gon - Ha NOi 82' 180'000'000 8-22
C6ng ty CP Cao Su Phucrc Hda 27,859'000,000 0.62
C6ng fy CP PhSt Tri€n An ViQt 1'000,000,000 2.00
COng ty c6 phdn bdo hi€m SHB Vinacomin 30'000'000'000 10.00
C6ng ty CP ddu tu x6y dlmg LILAMA - SHB I 1,000,000,000 1 1.00
x o/o SU.'la goc
hii,u
C6ng ry QuAn l! no vd khai th6c tai sdn SHB 20,000,000,000 100.00
C6ng ty CP Ddu tu BDS Gentraco 2.500.000.000 5.00
COngty TNI+{ Son Ldrar:r r.-:::' - "''135SO$OO0iOOO-'' 10-69
9,500,000,000
550.000,000 1 l.008,000,000,000 9.90
r,500,000,000 1.25
8,000,000,000 10.00
600,000,000 0.40
5,200,000,000 t 0.40
82,180,000,000 8.22
27,859,000,000 0.62
1,000,000,000 2.oCI
30,000,000.000 10.00
l 1,000,000,000 1 1.00
5s0,000,000 1 r.00
8,000,000,000 10.00
1,500,000,000 1.25
8,000,000,000 10.00
20,000,000,000 100.00
2,s00,000,000 5.00
lJ5!O9O00,00o 10_69
4,000,000,000Cdc t6 chuc kinh tC kh6c
354,289,000,000 337,389,000,000
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MSHBNgdn hing TMCP Sii Gdn - He NQi
25. Tni sin c0 rlinh vd hinh
- Ting, gi6m tdi sin c0 tlinh vd hinh kj,niy:
Khoin mgc
Nguy6n gin
^^, *iDO OUOaU Ky
S0 teng trong kj'- Mua trong kjt
^ibo gram trong kT
sii at cuiii tcy
Gi6 tri hao mdn luf kti
^i , -lD0 ou oau Ky
Si5 teng trong ki','':,
- Knau hao rrong lq)
Si5 gi6m trong kj'^i, i.,.D0 ou cuor Ky
Gid tri cdn I4i. *i
r ?r ngay oau Ky
Tai ngiy cotii try
1380377,t88,421
650,214,165,90
650,271, r 65,610
euy€n sfrdung tlSt Phan n€mvi rd'i sin ui einntinh vd hinh khrlc
cbng
5,988310,020 20,000,000,000 1,406365,,49f1,441
276374,000 1,993,090"310 652,533,619,950
276,374,000- 1,983,080,310- 652,533,619,950
473,434,736 3,,291,95',V,009
117,926,718 1,621,644,072
117,926,7t8 1,62t,644,072
3,000,684,696 6,766,076,441
872,308,971 2,611,979,761
872,308,971 2,6r1,879,761
1,379,903,753,685 2,696,353,011 16,999,315,304 1,399,599,422,000
Ting, giim tii sin cd ilinh vd hinh k] trufc :
Dctn vi tlnh: VND
! rydn sri' dgng dAt Phin mdm vi rii sin ci5 ainntfnh v6 hinh kh6c congKhoin mgc
Nguy0n gir{
sii au'aiu r)^r. .-so tang trong Ky
- Mua trong kj^Aso glam trong kT
s6 ou cuiii tyGid trihao mdn lui k6
Sii ou oau try^i ,-50 tang trong Ky,'': '- Lnau nao Irong Ky
- Tdng khdc^Aso gram rrong Ky
- Thanh l!, nhuqng bdn
- Gidm khdc^4. i,,.so ou'cuor Ky
Gi6 tri cdn l4iT4i ngAy ttAu k)
. r., .r ?r ngay cuor Ky
674,991,899,000 1,431,251,826
674,99t,899,000 1,431,251,826
- 676,423,150,926
- 676,123,150,826
705,385,299,421 4,557,058,194 20,000,000,000 729,942,347,615
1,380,377,188,421 5,988,310,020 20,000,000,000 1,406,365,499,441
322,000,000
151,434,736
t 5l,,/31,736
700,000,000
2,592,390,133
1,541,098,681
I,051,291,152433,124
433,1 24
1,333,000,000
1,667,684,696
1,004, t 7 5,827
663,508,869
2,355,000,000
4,411,509,565
2,696,709,244
1,7 14,800,321433,124
43 3,1 21
473.434.736 3,291,957,UUg 5,UUU,6U4r69b 61766,U76,441
' 705,063,289,42t 3;857;058;194' 18,667,000,000 727,587,347,615
1,379,903,753,695 2,696,353,011 16,999,315,304 1,399,599,422,000
17
wssrlpNgdn hing TMCP Sii Gdn - He NQi
26.Tdi sin C6 khfc
C6c khodn ldi, phi phii thu
Chi phi xdy dung co bdn do dang
Ciic khoAn phii thu (*)
Du phdng nii ro cho cdc titi s6n C6 kh6c
Tdi sAn C6 kh6c
Vay NHNNa a ,.i.,,i .,. ,.i.,,^vay tal cap von. cnlet Knau. tal cnlet Knau
giSy to c6 gi6,
Vay kh6c
Vay BQ Tdi clrlnh
Ctic khodn nq klrttc
28. Ti0n, ving giri c6c t0 chric tfn dung khdc
Tiin, vdng gfti khing kjt hgn
- Bing Vn-D^:,- Bdng vdng vd ngo4i tQ
Tiin, vdng gtri cti ky hgn
- Bing VN"D
^J- Bdng vdng vd ngo4i tQ
1,930,884,379,690 903,716,150,912
30/09/201r
\.rND
0U01/2011
\.TND
2,749,974,390,260
106,844,639,791
1,516,299,022,991
2,884,677,836,022
979,590,779,436
167,766,500,923
1,623,392,949,139
1,490,807,216,916
7,257,795,879,064 4,,261,547,444,413
(*): Khdng bao gdm tdi sdn thu6 thu nhAp hodn lqivdc6c khoAn phdi thu tir ciic giao dich nQi bO.
27.CAc khoin nq Chinh phfr vd NHNN
30/09/2011
VND
0t/01/2011
\TND
1,930,884,3 79,690
1,930,884,379,690
903,716,150,912
903,716,150,912
30/09/2011
\TND,
0ll01l20ll\TND
5,421,559,674,603
5,421,319,853,681
239,820,922
16,054,789,042,000
14,780,824,442,000
1,273,964,600,000
4,960,133,659,390
4,960,019,977 ,136
114,782,254
8,31 1,405,160,554
8,089,399,160,554
222,006,000,000
13,271,539,919,944
t8
21,476,348,716,603
ffi SFII}NgAn hhng TMCP Shi Gdn - Hn NOi
Danh muc Quy6n sir dqng d6tKHOANWC
OUYEI'I SU DUNG DAT SO 16-18 DL HOA BINH-CAN THO (412,4M2)
QSD DAT SO 31 LTK NR:18,2M2 DAT CHUNG:310,5M2 (NHA O.NGOAN B.NHAN)
QSD DAT 31 LTK DTR:32,8M2 DTC:3'10,5M2 (NHA O.THAN B.MINH)
QSD DAT 35A LTK DTR:32,8M2 DTC:49,2M2 (NHA 0.GlA B.THO)
QSD DAT 33A LTK DT:37,4M2 (NHA 0.VY B.THOA)
QSD DAT 35A LTK DTR:34,9M2 (NHA O.NGUYEN B.AN)
QSD DAT 338 LTK DTR:26M2 DTC:7,4M2 THUA:170/1 F (NHA O'DUNG B.THANH)
QSD DAT 358 LTK DTR:10,7M2 DTC:346,6M2 THUA:170/1F (NHA 0 DUC B.LAN)
QSD DAT 358 LTK DTR:15M2 (NHA O.KHANH)
QSD DAT SO 35LTK DT SAN:53,8M2 DT DAT CHUNG:395M2 (NHA O.QUYEN)
QSD DAT LO A21 NGUYEN VAN LINH,NAM DUONG,HAI CHAU,DN SO DO BE 579491
QSD DAT SO 35 LY THUONG KIET HOAN KIEM HA NOI SO DO 88916410
OSD DAT SO 35 LY THUONG KIET HOAN KIEM HN SO DO 88916409
QSD DAT SO 35 LY THUONG KIET HOAN KIEM HA NOI SO DO 88916408
QSD 1O VONG DUC (HO NHA NGUYEN TH
QSD SO 1O VONG DUC(HO NHA ONG THA
QSD NHA 31 LY THUONG KIET(BA KIEN
OSD 175.177 NHA TMNG KHANH HOA
DAT 358 LY THUoNG KIET(HONHA 0NG
QSD SO 01 NGUYEN VAN CU DA LAT
QSD TUYEN SoN DA NANG (41.531M)
KHU DAT TUYEN SON DA NANG (6.157,
QSD 14HA HOA MINH LIEN CHIEU DA NANG
osD DAT CLB SHB DA NANG(CO TG SD 50 NAM)
QUYEN SD DAT 33 LY THUONG KIET HA
QSD DAT SO 31 LY THUONG KIET
QSD DAT 77 TRAN HUNG DAO
QSD DAT SO 33 LTK,6,8 VONG DUC
QSD DAT TAI CN CAN THO. 138 , D.3.2, TP.CAN THO
OSD DAT TRUONG XUAN
OSD DAT BINH THUY
n cn nAT nAp^ntr Ytr
QSD DAT THANH QUOI
OUYENSU DUNG DAT NHA 89 NGUYEN VAN LINH-DN
QUYEN su DArI.ltlA s0 e1 LGqylN y4N !l!\!! . --QUYEN SU DUNG DAT
30/09/201 I67,335,000,000
38,1 04,1 05,500
61 ,769,634,500
43,846,530,500
43,843,170,500
43,837,170,500
65,575,555,000
56,578,267,000
100,900,535,500
153,201 ,930,000
63,253,416,640
101,872,527 ,000
245,332,905,000
239,815,317,000
30,449,760,000
22,523,867,000
43,705,068,000
18,037,226,100
107,220,759,000
7,483,603,600
129,138,454,546
18,473,400,000
37,518,036,000
7,297,638,546
126,528,711,580
12,881 ,587,000
78,319,970,000
49,001,464,795
. 650,000,000
300,000,000
637,81 2,000
408,080,000
253,800,000
4,376,174,000
4,376,980,400
5,211,535,400
67,335,000,000
38, I 04,105,500
61,769,634,500
43,846,530,500
43,843,170,500
43.837,170,500
hl 1 /1 \1\ tltXl
56,578,267,000
I 00,900,535,500
r 53,20r,930,000
31n2t2010
30,449,760,000
22,5?3,867,000
43,705,068,000
I 8,037,226,100
I 07,220,759,000
7,483,603,600
129,138,454,546
I 8,473,400,000
37,51 8,036,000
7 ,415,565 ,264
126,528,71 1,580
r2,88 1,587,000
78,3 19,970,000
49,001,464,795
650,000,000
300,000,000
637,8 12,000
In0 nQn nnnJVO!VOV!VVV
253,800,000
4,376, r 74,000
.,4JlE9q!,400
5,21 1,535,400
2,030,059,992,607 1,379,903,753,685
l8
NSSrIBNgdn hing TMCP Shi Gdn - He NQi
26.Tii sin C6 khic
C6c kho6n l6i, phf phii thu
Chi phf xdy dgng co bdn do dang
C6c khoin phdi thu (*)
Dq phong riri ro cho c:ic tdi sin C6 khric
Tdi sdn C6 kh6c
Vay NIINNVay trii cdp vtin, chit5t kh6u, t6i chi€t kh6ugi6y to c6 gi6
Vay kh6c
Vay BQ Tdi clt{nlt
Ctic khotin nq klrtic
-.;. ,7Ti6n, ving gui cdc td chric tin dgng khfc
Tidn, vdng grii khdng kj, hqn
- Bdng VND- Bing vdng vd ngo4i tQ
Tidn, vdng g*i c<i kj, hqn- Bing VND- Bang vdng v?r ngo4i tQ
30/09/20t1
\TND
01t0u20tl
\TND
2,7 49,97 4,380,260
106,844,639,791
1,516,299,022,991
2,884,677,836,022
979,590,779,436
167,766,500,923
1,623,392,948,138
1,490,807,216,916
7,257 1795,879,064 4,261,547,444,413
(*): Khdng bao giim tdi sAn thu6 thu nhdp hodn lpi vd cric kho6n phdi thu til c6c giao dich nQi b0.
27. Cic khoin ng Chinh phri vir NHNN
30/o9/2011
VND
01/ot/2011
VND
I,930,884,3 79,690
I,930,884,3 79,690
903,716,150,812
903,7 r6,IsO,8I2
1,930,884,379,690 9O3,716,15O,812
30/09/201r\TND
ot/ol/2011\TND
5,42 r,559,674,6035,421,319,853,681
239,820,922
16,054,789,042,0O0L+, /6U,62+,++Z,UUV
1,273,964,600,O00
4,96O,133,659,3904,960,O78,477,136
114,782,2548,3 7 7,405,r 60,5548,O89,399,i 64,554
222,006,000,000
21,476,348,716,603 13,271,538,819,944
19
NS"Sf"rSNgAn hdng TMCP Shi Gdn - Hn NQi
28. Ti6n giri cria khfch hing
Thuytit minh theo to4i ti€n gfri:
30/09/2011
\.1{D
ot/or/2017
\TND
TiAn, vdng gfci kh6ng kjt ltgn
-. ;.- Ti6n gui kh6ng kj,han bdng \rND- Ti6n gri'i kh6ng lcj' han bing vdng,tc-.
-tTi2n, vdng grhi c<i ki hgn
- Ti6n gu'i c6 ky han bing VND
- TiAn gui c6 ky han bing vdng, ngo4i tQ
Ti€n g*i v6n chuy2n dilng
-.;r ren gm ,v quy
V6n nhfln tdi tro, riy thac dAu tu, cho vay
bing VND-,^V6n nhan tdi tro, try th6c d6u tu, cho vay
bing vdng, ngopi tQ
32,620,933,267,375 25,640,842,032,967
ngoar
3,536,562,870,755
2,790,469,537,126
746,093,333,629
28,957,882,399,605
27,O58,694,668,445
1 ,899,187,731 ,160
6,857,66r
126,481,139,354
4,167,898,347,969
3,7 57,8t8,91O,740
410,O79,437,228
21,3 54,r 86,408,455
I 9,608,605 ,O10,O47
1 ,745,581 .398,408
3,787,913
118,753,488,531
29. Vdn tdi trq, fry thric tlAu tu, cho vay td chri'c tin dgng chiu rrii ro
301091201r
\TND
01t01t2011
\TND
431,641,920,000
914,069,9.99
379,506,900,000
89r,341,657
432,555,989,999 384398,,241,657
20
N' FHBNgAn hirng TMCP Sii Gdn - HAt NQi
30. Cic khoin ng kh6c
Cdc khodn phdi trrt nQi bQ
- C6c khoin phii tri c6n bQ nhAn viOn
- Quy trg c6p m6t vigc lam
- Quy khen thucrng, Phric lgi
- C6c khoin ph6i trd nQi b0 k1t6c
Cric khodn phdi trrt b€n ngodi
- C6c khoin ph6i trd vd xAY dPg co bdn,
mua sim TSCD
- Thu6 GTGT
- Thuti TNDN
- C6c khoin phni nQP Nhir nu6c kh6c
- Ldi tr6 trudc
- Chuydn ti€n phAi tr6
- Cfc khoin phii tr6 kh6c
Dq phbng rfii ro klttic
- Dg phdng C6i vOi citc camk6t dua ra
- Dq phong cho cfc dlcn vP thanh toan
- Dy phdng nii ro l<}r6c (Dtq phdng rili rohoqt dQng, kh6ng bao gim dV phdng khdc
a6i vai fii san C6 npi bdng)
19,375,05I
181,283,486,091 207,286,346,028
30109120rr
'\rND
0U0ll20lr
VND
63,265,784,335
563,494,066
r,279,750,45I
16,854,966,632
44,567,573,186
104,485,360,760
6,038,584,370
58r,794,113
5,r31,2r9,479
8,633,642,427
5,189,602,023
78,910,518,348
13,532,340,996
13,512,965,945
19,551,020,824
137,974,640
r,322,876,428
13,646,236,520
4,443,933,236
179,805,656,551
6,468,100,000
1,635,520,668
rr7,746,533,652
5,440,416,938
10,429,56r,609
2,807,56r,550
35,277,962,195
7,929,668,653
7,929,668,653
zl
atN
\OO\O€llrr\0-lr--Oai\A e.i =sEF 3 = € Fr J g,rtF
-"iefiaRv.-.f-;Vt
OD
<o.Q
bO
''8
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qo6':'N - -"9C .i.*9 r-5=>,
€EE.l l"eb.i;-]']
llxto'f);Ja€\c;Jc.roddjp
€oovE?o .ovv
t^ttt,,^*6l C..l +(\atA(\ o] -rvsr8
|/)?o€co\0 \o o\1,o6r)ar \o \o.+ lo rrl
tnllll\E)a.lrata
<c)
,rA
r<'ao
ra
^nE,OEE.-L ,Gl
l>i
I]A
.o tOv v
tttll^
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?o
={O ::9'- rs
rG
<6J ,;hrQeQ
!..<o l:A F\o
o
r>hgE'3' E .!':9A--L-^i a -
-a.tE
3 E:gre!/s *-
(o).
<{)a
{oI
r"za E'3
-U "E
y..E arcB. a
FO\\O\Or- t- t--to c{ c..l
l-€ooO\-t+ rf) c.)?o:
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<6bDz
SNFHBNgin hing TMCP Sii Gdn - He NQi
32. Thu nh4p lii vi cfc khoin thu nhfp tuong trl
Thu nhQp ldi fiAn gfti'-. -.:T'hu nhdp ldi ti€n gui kh6ch hdng
Thu lii cho vayThu lii tu'kinh doanh, dAu tu chung kho6nNnTha khdc tt ltogt etQng tin dqtng
33. Chi phf lfli vh c6c khofln chi phf tuong tr1
Tri lSi ti6n gui
- " r-...;.lra lal Tlen vay
Tri l6i ph6t hdnh gi6y to c6 giri
T16l6i ti6n thu€ tdi chinh
Chi phi hoat d6ng tfn dung khiic
34.Lailt6 ttruAn tir ho4t ttQng dich vg
Thu phi dlch vqt
- Ho4t <l6ng thanh to6n
- Hopt dQng b6o l6nh
- Ho4t rtQng ng6n qu!
- Dich vu dai ly
- Thu phi dich vp kh6c
Chiph{ dlch vy IiAn quan
- Ho4t d6ng thanh to6n
- Ho4t tl6ng ngdn qu!
- Chiphid--I vs khEc
Latt 16 thudn t& ho4t ilQng dich vB
Quy IIL2011
\rNDQuy IIL2010
\TND
834,963,904,171
74,614,343,119
561,201,759,214
199,147,702,939
53,569,039,745
2,loo,46l,g3o,065 888,532,942,916
1,941,546,090,153
279,297,7 76,ggg
1,325,593,391,736
336,655,512,129
158,915,949,912
Quy IIL20l I
\trNDQuy III.2010
\TND
I,414,428,361,256
34,413,954,217
70,239,635,482
137,37 5,901
524,270,379,320
23,40l,glg,gg7
90,822,923,757
127,317,227
1,519,219,326,756 638,622,339,291
Quf Itr.2011
\TNDQuj III.2010
VND24,035,599,340
11,797,730,900
7,445,594,041
1,882,124,970
1 6,1 05,605
2,994,033,924
(17,144,719,762)
(2,340,411,239)
(1,270,769,012)
(13,533.539,512)
14,113,146,445
7,092,394,293
4,935,171.951
946,236,137
4,147,773
1,245,196,291
(6,022,952,629)
(2,029,929,434)
(722,372,094)
(3.270.551.1 I I )
9,090,293,9166,890,870,579
WS,SHBNgdn hirng TMCP Sii Gdn - Hn NQi
35.Lai/16 ttruAn tir ho4t tlQng kinh doanh ngo4i h6i
Thu nhQp tti hogt elQng kinh tloanh ngogi hdi
- Thu tir kinh doanh ngo4i tQ giao ngay
- Thu tu c6c c6ng cq tdi chinh phdi sinh tidn td
Chi phf ttogt .IQng kinh rloanh ngogi h\i- Chi vO kinh doanh ngo4i tQ giao ngay
;.,- Chi vd cdc c6ng cp tdi chinh phrii sinh ti€n tQ
Lai/ 16 thuf,n trl ho4t elQng kinh doanh- . l.ngo?r nor
36.Liil16 tnuan tir ho4t tlQng mua br{n chri'ng kho6n kinh
Lail 16 thuAn til hoirt tlQng mua bin chring khodn kinh
Thu nhflp tu mua b6n chring kho6n kinh doanh
Chi phi vd mua b6n chrlng kho6n kinh doanh
Dp phong gihm gi6 chimg kho6n kinh doanh
Lail16 thuffn tir mua br{n chri'ng khofn kinhdoanh
L^il16 thuAn tir ho4t tlQng mua bdn chring khor{n dAu tu
Thu nhflp ti'mua b6n chimg kho6n ctAu tu
Chi phi vA mua b6n chung kho6n ctAu tuChi phi/ hoAn nhflp dg phdng gi6m gi6 chirngkho6n cfdu tuLai/16 thuAn tit mua brin chri'ng khorin tl6utu
18,063,474,196 5,152,586,280
doanh, chring khodn ttAu tu
doanh
Quy 1II.2011
VND
Qu! III.20l0
VND
22,047,528,507
15,923,866,116
6,123,662,391
(3,984,054,31I)
(496,765,327)
(3,487,288,984)
7,270,405,500
4,837,81l,gl0
2,432,593,690
(2,117,919,220)
(543,858,641)
(7,573,960,579)
Quli III.201 I
\TND
Quf III.20l0
VND
Quli III.201l
VNDQu;i III.2010
\TND
(.3.148,245,17 5)
41,527,280,823
(329,135,325)
(1,116,958,800)
40,081,186,699(3,148,245,175)
/.+
WFXIBNgAn hing TMCP Sii Gdn - Hn NQi
37. Thu nhgp tir g6p vdn, mua c6 phAn
Cii ntc nhQn duqc trong kjt tir gdp v6n, mua cii phdn
. ..i- Tir ch[ne khoiin V6n kinh doanh
- Tu chimg khorin Vdn dAu tu, a ,;.- Tn g6p vdn, ddu tu ddi h4n
38.LAi/t6 ttruAn tir ho4t tlQng kinh doanh kh6c
Thu nhSp tii hoqt dQng khdc
Thu tir ho4t dQng kinh doanh kh6c
Chi phf ftAn quan rtdn hogt d\ng khtic
Chi phi li6n quan d6n hoat d6ng kinhdoanh kh6c
Lail16 thuf,n til crlc ho4t ilQng kinhdoanh kh6c
992,426,846 30,212,519,499
Quli III.2011
\TND
Quf II1.2010
VND
60,898,200
11,649,000,000
( 141,500,000)
11,708,899,200 (141,500,000)
Qu;i IIL2011
'TND
Quli II1.2010
\TND
1,270,465,951
I ,270,465,95l
(278,039,105)
(278,039,I05)
30,246,096,725
30,246,096,725
(33,578,227)
(3 3,578,2 27)
25
WSFIBNgdn hing TMCP Sii Gdn - Hn NOi
39. Chi phi ho4t tlQng
Chi nQp thuii vit ctic khodn phi, tQ phfChi ph{ cho nhdn vi€n
Trong cl6:
- Chi luong vd php c6p
- C6c khoin chi d6ng g6p theo lucrngi- unl rg cap
- Chi 6n ca
- Chi c6ng t6c xd hQi
Chi vi titi sdn
Trong d6:
- Khdu hao tdi sin cO dinh
Clti cho hoqt ctQng qurtn I! cdng vqt
Trong cI6:
- C6ng t6c phi- Chi v€ c6c hoat dQng dodn thtl cira
Chi nQp phi bfto hi6m, brio clfim tiAn gfriciia khdclr ltdng
Chi phi dqc phitng (kh6ng tinh chi phf dar
phdng rtii ro t[n dryng 't)i vd ngoai bdng;dLt phdng gidm gid chttrng khodn)
CIti phf hogt itQng khtic
10. Ti6n vd cric khoin tutrng ttuong ti6n
Tidn m[t vit c6c kho6n tuong duong tiAn tpiquv
-.1Ti0n gfti t4iNgdn hdng Nhd nudc
Ti€n gfti thanh to6n tqi citc TCTD kh6c
-. ;.Ti0n gf i vir cho vay citc TCTD khdc c6 kj, hankh6ng qud 3 thdng
301,417,748,949 166,423,054,534
Quy III.2011
VNDQulvi III.2o1o
\TND
10,045,466,244
129,839,010,174
117,245,353,454
7,309,690,966
5,293,965,954
34,634,r37,714
"/,606,948,569
121,033,736,466
3,777,218,826
1 B I,334,000
5,534,673,020
331,725,231
4,359,552,094
73,455,497,474
65,443,549,990
4,467,564,769
3,316,667
3,541,067,058
2I,333,216,091
6,144,726,658
63,817,891,992
3,855,746,767
352,696,297
3,457,996,993
30109/2011
\TND
30t09t20r0
\TND
312,016,679,909
599,691,354,221
5 ,987 ,814,042,040
10,249,410,000,000
227,098,467,949
532,876,037,336
1,288,421,460,549
4,639,795,760,000
17,148,932,076,169 6,688,121,725,932
WSHBNgdn hhng TMCP Shi Gdn - Hn NQi
41. Lo4i hinh vi giri tri tiri sin th6 ch6p cfra kh6ch hirng
Gi6 tris6 sfch Gi6 tri t4i thcri tli6m l$p brlo c{o
30t09t2011 0t/0u20rl 30t09t20rr 0ll0u20tl
Bdt d6ng sAn
DQng san
Chfng tir c6 gi6
Tdi stin kh6c
26,014,431,746,261
15,7 t3,356,520,183
2,309,151,156,863
10,968,150,709,976
19,207,882,068,970
7,496,385,415,4tl
6,436,505,772,576
9,832,944,454,927
26,01 4,43 r,',t 4 6,26 1.00
t5,7 13,356,520, 1 83.00
2,309,151,156,863.00
10,968, I 50,709,97 6.00
19,207,882,069,970
7,496,385,415,411
6,436,505,772,576
9,832,944,454,927
55,005,090,133,283 42,973,717,711,884 55,005,090,133,293 42,973,717,711,994
42. Nghia vU ng ti6m 6n vi cfc cam k6t dua ra
Trong qu6 trinh ho4t dQng kinh doanh, Ngdn hdng thuc hiQn c6c cdng cu tdi chinh li6n quan
d6n cdc kho6n muc ngodi bdng cdn ddi k6 toiln. C6c cdng cu tdi chinh ndy chir y6u bao gdm c6c
cam k6t b6o lSnh vd thu tin dpng. Cdc cdng cp ndy cfing tpo ra nhirng riri ro tfn dqng cho NgAn
hdng ngodi c6c rfri ro tin dpng dd duoc ghi nh4n trong nQi bAng.
Rrii ro tin dqng cira c6c c6ng cp tdi chinh ngo4i b6ng duqc dlnh nghTa ld khi ndng mang d6n
rrii ro tin dung cho Ngdn hdng khi mdt trong c6c b6n li6n quan d6n cdng cr,r tdi chinh cl6 khdng
thp'c hiQn c6c didu khoAn cua ho. p d6ng.
BAo lSnh tdi chinh ld c6c cam kt5t c6 di6u kiQn md Ngdn hdng c6p cho kh6ch hdng clO giao
dich v6i mQt bCn thr? ba tro's cdc ho4t dQng ve bao ldnh vay vdn, b6o l6nh thanh to6n, b6o l6nh
thuc hiQn hgp ddng vd b6o lSnh dg thAu. Rtii ro tin dung li0n quan d6n viQc cdp bdo l6nh vA co
bAn gi6ng rfii ro cho vay khdch hdng.
Giao dich thu tin dqng thuong mai trA ngay ld lo4i giao dich trong clo Ngdn hdng cung c6p tdi
chinh cho khdch hdng cfia minh, thdng thucrng ld nguoi mualnhd nhap khAu hdng ho6 vd b€n thu
hucrng ld ngudi bdnlnhd xu6t khAu. Rrii ro tin dqng trong thu tfn dung trd ngay thudng th6p do
hdng ho6 nhQp khAu cltroc dirng Oe tntich6p cho lo4i giao dich ndy.
Giao dich thu tfn dqng trd chdm s0 ph6t sinh rrii ro khi hqp ddng cld duoc thuc hi€n md kh6ch
hdng khdng thanh todn cho b6n thp huctng. C6c thu tin dpng tri chQm kh6ng cluoc kh6ch hdng
thanh to6n dugc NgAn hdng ghi nh$n ld khoAn cho vay bat buEc vd cdng ng tuong ung th€ hiQn
nghia vp tdi chfnh cua Ngdn hdng phdi thanh toiin cho b6n thr.r hu0ng vi thuc hi0n nghia vg cira
NgAn hdng trong viQc bAo lSnh cho khdch hdng.
NgAn hdng thuong y€u cAu khiich hdng ky qu! dd dAm bdo cho c6c c6ng cu tdi chinh c6 li€n
quan d6n tin dpng khi cAn thi6t. Gi6 trl ky qu! dao dQng tir 0% d6n 100% gi6 tri cam k6t dugc
cAp, tiry thuQc vdo mfc dQ tin c4y cria kh6ch hdng do NgAn hdng d5nh gi6.
27
WFIIBNgAn hing TMCP Siri Gdn - Hn NOi
Chi tiet c6c khodn c6ng ng ti6m An vii cam k6t ngoai bdng vdo ngdy 30 th6ng 9 ndm 201 I nhysau:
30t09t2011 0 t/0U2011
\TND \TND
1,384,464,497,525 37 4,946,154,451
305,532,467 ,039 52r,012,917,222
159,614,274,161 66,651,145,304
739,303,250,997 307,055,09g,014
2,588,914,499,712 1,269,565,20g,991
43. Giao dich vdi c6c b0n li6n quan
Giao dich vdi c6c b6n li6n quan ld c6c giao dich cluoc thuc hiQn v6i c6c b6n c6 li6n quan v6i
Ngdn hdng. C6c b6n dugc coi ld li6n quan n6u mQt b€n c6 kh6 ndng ki6m so6t hodc c6 6nh huong
d6ng kd O6i vOi bOn kia trong vi6c ra quy6t dinh d6i vdi c6c chfnh s6ch tdi chinh vd ho4t ddng.
MQt b€n iluoc coi ld b€n c6 li€n quan vdi Ngdn hdng n6u:
(a) Truc ti6p ho4c gi6n tii5p qua mQt hay nhiAu b€n trung gian, b6n ndy:
e ki6m so6t hodc bf ki€m so6t ho{c chiu su kii5m sorit chung boi Ngdn hdng (bao gdmcdc cdng ty mg, c6ng ty con);
x" c6 v6n g6p vdc.Igdn hdng vd do d6 c6 6nh huong ddng k6 t6i Ngdn hdng;
t' c6 quy€n d6ng ki6m so6t NgAn hdng;
(b) BCn li0n quan ld c0ng ty li€n doanh, li6n k€t md Ngdn hdng ld mQt b€n li€n doanh, li€n
k6t:
(c) B€n li6n quan c6 thdnh viOn ld nhdn su chfnh tr;ng Ban Tdng Girim d5c cria Ngdn hdng
hoqc c6ng ty me cua Ngdn hdng;
(d) BCn li€n quan ld thdnh vi6n mdt thit5t trong gia tlinh cfra bAt kj,c6 nh6n ndo rld n6u trong
diCm (a) hoac (c);
(e) B€n li€n quan ld mQt t6 chric trgc ti6p holc gi6n ti6p chiu sp ki€m so6t, ddng kii5m sorit
hopc chiu 6nh hu6'ng cl6ng k€, ho4c c6 quy6n bi6u quy6t boi b6t kj'c6 nh6n ndo dugc d€ c4p dtln
trong cli6m (c) hoac (d).
T6m tit mQt s6 giao dlch lcyn vdi ciic b€n li€n quan trong quy 3 ndm 201I nhu sau:
BAo ldnh tdi chfnh
Thu tin dung trA ngay
Thu tin dung tra chAm
Cam kdt b6o l6nh kh6c
28
WS*"IRNg0n hdrng TMCP Sdi Gdn - HA NQi
Cic giao dich sii ti6n
Thanh to6n dich vp qu6ng c6o
Thu tir dich vu iry thrlc d6u tu
Thu nh4p tir c6 tfc vd g6p v6n vdo c6c c6ng ty li6n quan
1,425,110,432
124,149,967,062
11,649,000,000
T6m tdt c6c kho6n ph6i thu, phii trd ciic b€n li€n quan t4i thdi di6m 30 th6ng 9 ndm 201I nhu sau:
Cdc giao dich Phrii thuitins
Phdi trd-;donp
T4m ring h-o. p ddng cung cdp dich vu qudng
ciro
Cho vay
- rl i ' r IKy quy dd kinh doanh chilng khodn
Uy th6c dAu tu
-' )l ren gul Knong Ky rlan
TiAn gili c6 kj,h4n
107,964,636,030
573,694,297,702
688,915,213
2,706,989,441,610
1,148,37r,114,092
666,100,000,000
3,389,237,290,555 1,814,471,114,092
44. Chinh sfch quin $ rrii ro li0n quan tl6n cdc cdng cg tii chinh
Mgc ti€u cria Ngdn hdng ld t6i da h6a gi6 tri dAu tu cira c6 d6ng, giir vfi'ng t6c dQ tdng tru0ng
loi nhudn vd tinh hinh tdi chinh ldnh m4nh. Do vQy, viOc su dgng cdc c6ng cu tdi chfnh, bao gdm
nh$n tiAn gt'i cta khrich hdng vd dAu tu vdo ciic tdi sin tdi chinh c6 ch6t lugng cao cld tro thdnh
hoat cl6ng mang tinh then ch6t girip Ngdn hdng d4t clugc mfc ch6nh lQch lai su6t cAn thiCt. Xdt tirkhfa c4nh qu6n ly rti ro, di0u ndy ddi hdi Ngdn hdng tt5t hqp m6t c6ch cdn d6i gita c6c cam ktlt
ngoai bing (nhu bAo lSnh vd thu tin dung) v6i c6c khodn cho vay (bdng ddng nQi tQ cirng nhu
ngoqi tQ) O5i vOi citc cdnhdn vd t6 chrtc thuQc c5c mtlc dQ tin cfly kh6c nhau. B€n canh d6, Ngdn
hdng cirng dAu tu mdt phAn v5n luu d6ng vdo cdc chring kho6n dAu tu hay cho c6c ngdn hdng
khric vay. Nhiing rti ro li€n quan d6n trao d6i ngoai tQ vd thay ddi lSi.suAt duoc qu6n l;i thOng
qua 6p dgng han mfc trpng th6i nhim hpn ch6 sU tAp trung quii mftc cl6ng thoi tham gia vdo c6c
ho4t dQng cotdc dpng cdn bdng l5n nhau di5 gi6m thi6u nii ro. Thdng qua vi6c ndm gif nhi6u tdi
s6n ld c6c cOng cg tdi chinh c6 chdt tugng cao, co c6u bAng cAn d6i k6 to6n hop nh6t cira }rlgdn
hdng c6 dri kha ndng phdng ngua rfii ro trgng y6u trong quri trinh hoat dQng kinh doanh vd d6m
b6o kh6 ndng thanh khoAn. Thdm vdo d6, NgAn hdng cflng tham gia vdo nhi6u giao dich phdng
ngita riri ro li6n quan dtin c6c c6ng cu tdi chinh nhu cdc cam ki5t horin d6i ngoai t0 cho mr,rc dich
quan l;i rti ro ldi sudrt.
Trong quii trinh qudn l;f rrii ro tfn dqng, Ngdn hdng dd sft dqng c6 hi€u quA CAm nang Tin
WFrIBNgAn hing TMCP Siri Gdn - Hd NQi
dqng trong d6 ghi chi ti6t c6c chfnh siich vd thfi tuc cho vay cfing nhu cdc hu6ng dfin thuc hign d€
chuAn h6a ciic hoat dOng tfn dung cfia NgAn hdng. Rrii ro thanh khodn duoc h4n ch6 th6ng qua
vi6c nfm giir mQt s6 luong I6n ti0n m5t vd c6c kho6n tuong cluong ti6n dudi dang tdi khoAn
Nostro, c6c khodn tiOn gui c6 kj' han tai Ngdn hdng Nhd nudc vd c6c t6 chfc tin dung kh6c vdcilc gi6y to c6 gi5. Cdc ty 16 an todn c6 tfnh d6n y6u td rili ro cirng duoc st' dpng dil qu6n ly rili rothanh khoAn. Ngdn hdng thuong tii5n hdnh drinh gi6 ch6nh l6ch ldi suAt, so s6nh vdi ciic rhitrudngtrong nudc vd qu6c t6 dC cO nhtng diAu chinh kip thdi. Th€m vdo d6, vi€c dp dpng cilc quy trinhquAn ly nii ro ndi bQ cfing trd n6n hiQu qud hon nhd vi€c tri6n khai H€ thdng QuAn lf V5n T{ptrung vd HQ th6ng Thanh to6n Tdp trung, theo d6 todn bQ c6c giao dich v6n vd thanh to6n cria
Ngdn hdng ddu do HQi so chinh thgc hiQn. ViQc d6 cho phdp Ng6n hdng gi6m s6t hiQu qu6 hon
cric bi6n d6i v6 v6n vd gi6m c6c sai s6t c6 th€ xAy ra cfing nhu nhfng tht tuc phrtc t4p kh6ng cAn
thitit.
45. Rfri ro tin dgng
Rrii ro tin dung ld kha nlng x6y ra t6n th6t ffong hoat ddng ngdn hdng cria t6 chfc tfn dung do
kh6ch hdng kh6ng thgc hiQn ho4c kh6ng c6 khd ndng thlrc hiQn nghTa vr,r cfia minh theo cam k6t.
Ngdn hdng ki6rn sodt vd qu6n t;i riri ro tin dpng bdng cdch thi6t lap h4n mr?c thanh to6n tuong
ring v6i mfc dd rfii ro md ngdn hdng c6 th€ chAp nhQn dugc d6i vdi mdi kh6ch hdng vd e6i vOi
rnSi linh vyc dia ly, ngdnh ngh6.
Ngdn hdng da thiist lQp quy trinh soiit xdt ch6t luong tin dqng cho phdp dU b6o s6m nhtngthay ddi vC tinh hinh tdi chinh, kh6 nlng trA no cta cdc b6n d6i t6c dua tr€n c6c y6u t6 dinh tfnh,
dinh luqng. Han mr?c tfn dung C6i vOi m6i kh6ch hdng dugc thi6t l4p thdng qua vi6c sir dung hQ
th6ng xt5p hang tin dung, trong dO m6i kh6ch hdng duoc xtip logi o mQt mfc dQ rui ro. Mr?c dQ
rrii ro ndy c6 th€ dugc sri'a d6i, c4p nhqt thuong xuy6n.
46. Rfri ro thitrudng
47.1. Rrti ro ldi sudt
Thoi h4n dlnh lqi lai su6t thuc t6 ld thdi hgn cdn l4i tinh ta"r thcli di6m lap biio crio tdi chinh
cho t6i kl dinh l4i ldi su6t gAn nh6t crta cdc khoin muc tdi s6n vd ngu6n v6n.
Cdc giit dinh vd di€u kiQn sau dugc 6p dgng trong ph6n tich thoi han dinh lai ldi su6t thuc t6
cia c6c tii sdn vd cOng ng cta Ngdn hdng:
* TiAir nr{t, vdng liac dri qiri; gop v5n ,JAu tu,idi han vd c6c tdi sin c,5 klidrc (bao g6m tdi
sdn cti dinh, b6t dQng sAn dAu tu vd tdi sdn c6 khilc, trir riy thdc dAu tu) dugc x6p lopi
khodn mqc kh6ng bi anh huong do clinh lai ldi su6t;
p TiAn grii t4i Ng6n hdn$NhtaudtviefNam du-op xtip lo4i tiAn grlri thanh to6n do d6 kjlh4n cllnh lai ldi sudt thlrc t6 ilugc x6p lo4i d6n mQt th6ng;
30
SWSrIBNgin hing TMCP Sii Gdn - Hn NOi
h Thdi han clinh l4i l6i su6t thr,Ic t6 cta chirng kho6n dAu tu vd chring kho6n kinh doanh
cluoc tfnh dua tr€n thoi gian tl6o h4n thqc t6 t4i thoi ditim tgp b6o c6o tdi chfnh cria tringloai chr?ng kho6n;
*" Thoi han clinh lai ldi su6t thuc t6 cta c6c khoan ti€n gt'i vd cho vay cdc TCTD; cdc
khodn cho vay kh6ch hdng; c6c khoin no chinh phri vd Ng6n hdng Nhd nu6c Vi6tNam; c6c khodn tiAn giri vd vay cric T6 chfc tin dung vd kho6n muc ti€n gui cria kh6ch
hdng dugc x6c dinh nhu sau:
Cric khodn muc c6 15i su6t c6 Ointr trong sudt thdi gian cria hqp d6ng: Thoi han dinh lpi ldisu6t thuc ti5 dqa trOn thoi gian diio han thuc ti5 tinh tir thdi di0m lpp b6o c6o tdi chfnh.
C6c khodn mgc c6 l6i su6t thi ndi: Thoi han dlnh l4i lai su6t thuc t6 cia cilc hcrp ddng cho
vay c6 thdi gian cl6o han cdn lai dudi 6 th6ng duoc x6c dinh dua tr6n thdi gian clio han cdn lai;
c6c ho. p cl6ng c6 thoi gian cl6o han cdn lai tr€n 6 th6ng duoc xtip vdo loai tt 3 th6ng dtin 6 th6ng
do k! dinh lpi ldi su6t cia Ngdn hdng t6i da ld 6 th6ng mdt lAn.
e Thdi h4n dinh lai ldi su6t thpc ti5 ctra kho6n muc ngu6n vdn tdi trg uy th6c dAu tu, cho
vay md t6 chric tfn dqng chlu rrhi ro dugc tinh dua tr€n thoi gian cliio han cdn lai cria
tirng hgp ddng;
e Thdi han dinh lAi lai su6t cria c6c khoAn no kh6c dugc x6p vdo khoAp muc khdng bi
6nh hucrng do dlnh lai lii su6t ho4c kj,h4n tir I thdng d6n 3 th6ng. Trong thuc t6, c6c
khoAn mqc ndy c6 th6 c6 thoi gian dinh lai ldi suAt kh6c nhau.
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47.2. Rtii ro fiAn Q
Rrii ro ti6n tQ ld rii ro md gi6 tri cria c6c c6ng cu tdi chinh bi thay d6i xudt ph6t til nhfrngthay d6i vC t5, gia.
Ngdn hdng duoc thdnh l$p vd hoat ddng tgi ViQt Nam vdi ddng ti€n b6o c6o ld VND. E6ngti€n giao dich chinh cta NgAn hdng cfrng ld VND. C6c khoAn cho vay vd fng trudc kh6ch hdng
cria Ngdn hdng cht yt5u bing \rND, mQt phAn bing USD vd EUR. Tuy nhi€n, mQt s6 tdi s6n
kh6c cria Ngdn hdng lpi bdng c6c ddng tiOn kh6c ngodi VND, USD vd EUR. Ng6n hdng cld duara m6t h0 th6ng han mrlc dd quAn Iy trang th6i ctra ciic dOng ti6n. Trang th6i d6ng tiAn dugcquAn ly trdn co so hdng ngay vd chi6n luoc phdng ngira rrii ro dugc Ngdn hdng sri'dung OC Oam
b6o r[ng trang th6i cr.ia c6c ddng ti6n cluoc duy tri trong han mirc da thi6t lap.
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so: /&4flcv-sHBYlv: "Giai trinh ch€nl't t€ch lo'i nhtLtin sctu tlut€riAng hi ctlcL Qu1, III.20I I so vdi Qu'it 111.2010 "
CQNG HOA XA HOr CHU NGHie Vrpr NAvrD6c lip - Tu do - Hanh phfic
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IIiL n6i, rtgiLy'/9 thfutg4endm 201l
Kinh gfri: Uy ban Chring khodn Nhi nufcS& giao dlch Chfng kho6n Hn ndi
Cln cu Th6ng t'-r 09/2010/TT- RTC ngA)/ 15/01 DA!0 cira Bd Tdi chinh Huc'ng dAn r,0^ , i ., ^vidc c6ng bo thong tin trOn thi truong chring khoiin;
CEn cu k6t quA ho4t d6ng kinh doanh qLry IlIl2011 vd quy III120I0 tai B6tr ciirr tiichfnh riOng le Quf III nFtm2}Il cua NgAn hdng 1'MCP Sii Gdn - Hd n6i.
Ngdn hlng TMCP Sii Gdn - HA NOi (SIIB) xin giai trinh ch6nh l6ch lo'i nhur6.n sar-r thue
Quf iII ndm2011 so vdi loi nhudn sau thue Quy III udm 2010 trOn 86o c6o tdi chfnh ri6ngIe QLrf III nam 2011 cua SHB nhu sau:
Loi nhudn sau thuO Quy III nam 2011 cua SHIS t[ng so vdi loi nhr-rAn sau thu€ Qr-ry
ndm 2010 nguyOn nhdn do trong Qu! III.2011 SHB Q6 sq tdng trucrng vd thu nhdp,l lthuan, thu nh4p kinh doanh ngcai h6i hon so vdi quf IiI.2010.
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