Upload
tran-le-duong
View
23
Download
0
Embed Size (px)
DESCRIPTION
ok
Citation preview
ffiSHB^(;,iN ^r\(;
TIt o^-.,c n,4r cO pr,iN s,ir cdN - lli NorTT liiin llmB l)ao- Qudr lloiLn Klenr - Hr Nollcl 04l9,l2ll88
860 c[o lii chinh hqD nhAt
TD - BANG CAN DOI Kf, TOAN
s6 c,'5iti
I T'itr milr.vInA hnc. dI qnJ
ll lii Afi tNr \llNi\lll lin. rine guirri (ic-I( TD rhi. \a (ho vr! .ir'ICrl) khic
I rtr'. vang gir rr' c,'. TCIDlhi.2 Cho vdt.i. T( lDkhdc
:r Dupl$trgnli rutian Buivir lidtr va] oic'ICTD khiic
lI Chntrg lhoin kinh dornh
I Chtrtrg lhoin llnhdoanh
2 Ou Dhotrg erdn Bi chimS knoan krnh domh
I C,ic ci,nr rq rti chi h phti si.h vi ci. rlistn rii rhinh khi.
\'l Cho rNt |lnich hlne
I Chd\a\ rhach hrin-q
I Dn pho g tu' ro cho Ya! khach himg
vll Chntre khortr ditr lu
I Chtr.Brh.d. ltiu rsin s{ng d,: ban
: Chrmsllr.in d,iu ruSrn din nsa! dxdh,n
I l)up[,nr!eiam Fia chrhg khoan d ru
vrlr GiF v6n. diu rudili hrtr
I Diln ru \tir) ca g l_r con
I \Ln, {p L,in ddoh
I Oitr tr\tr.c(n,s rr I'in lir'I Ditr nrlllr han Lhnc
i Dn phonBgiam gra diu rudiihan
I Ii ur.,rdnrh hnu hinh
t N{n\in li TS( D htu hntlr
l\ lLt) D r IS( l)hhrhinh
I li,r \nn !. drn[ rhui tiLr chinh
I Ti:rin .(i di v6 h'nh
r \ixr;r lrd /i\('D p ln,/,
I Ht, tnr IS( lt\a hihh
\ Bil d6nr rin diu rrtr Nla'ydn lri lll)SD'l
I Ci,.lh.rn phfl thu
2 Cic kh.in ldr. phi phai nr
I rr, r, rhuilNDN hoin tar
th,t|l,t t,nt thi thtdntnati CN lh.rn dvphdn8 rur rochocrcrii sanC6 na' brn! khic
lONc lir s,iN Co
I0 15
120 t6
t30 t7
Dlll239
Ito t3
LtI
160
t69 2t
171
172
2nlt?2tlzt1
219
12t 21
)2)l.2J
12,1
l-'J
226
127 25
lJ8
:)92t0
21t
1;t)
250 16
15t
252
251
25,1
.]JJ
J00
t.091.686
t3.5{,t.5lt
2,000.000
(5, t17)
27,909
lt?,1Jr.706
(t, t51.134)
18.068.1,1,
5.668.219
11.812.t24
(tr2.tr6)J07.213
121.142
(r7.069)
't.056.505
(1t6.,]]7)
1,707.256
1.8l,l.lBl
t7.40t
1r82)
t.{6t.851
(15.;ri)
111.716326
80t.t3l
.1.1,16.019
29.19r.J61
(s. rl?)
ll,t285011?7
18.6' t
( t.!17.1.13)
8..17t.098
5,79.1.lt06
8.011.127
(167 0lj)J2l.0i2
l4l_590
(20.558)
'Lr05,r50
18t.906
778 U62
(t9,1..156)
l(
r0
lt
v
1.84.1. t09
1l22.l6jl
17.40r
.J82,lrI
6.92r.6q7
169.0J5,5-16
B r(J Pll.r|rR( \',\ \'6\ (1rI SO rrI r'I (i. kholn tr0(rhhh phnri NIINN
Il l iin Efi ii rr! c'i? cicT(-l'D kh:i.
lr:n S '.rdcd. l( lDkhnc
2 Vr) cic l( lI) khi.llt liansii.ir kh .h hi C
l\ ( ic.iinB rtr !li chitrh phiiainh ri ({( lhoin I rti.hinh lh[c\ r'6tr liitro, ni thtu dir (u. (hovry
'nl'l(:tD ohiichiu rni ro
vl Phrir hinh Eiit rn.6gi{ylI (lic khui Nqlh{cI Ciclho r llir phi d tra
I ll,La T\l)N hoif li" pllar lrr1 ( iclh.x phd' h \i cinB n(khicI l)rnhon!ru' tu lhr
t I lr'inE Jtr \;t L.j fh,;t
J ( lr. l,l$[ r! B[h;r doa]
.r ('[anh lach ddnh gir lai Liisris Lo nhuir lhua phan !h6r
\ rlr t-oi hh.trr.a d6nA rhiad s6
loNC NO PH^t',t RA V,\ VdN CHiI Sd H0tIcic cri r rtu NGoAr BANG
I r_ghir rr qritnin
2 Crnr llrt.nsnshfpw U('
-h-'
JIO
120
rzt.[2Jl0ll0
170
:l? I
)72
l?l
ll0
1t)
r20
l:10
n10
150
300
et2
0tl
,1,3
ltlt
t2
1t
|,58.]
t?.2t3.3f0
2.22 t,170
,,8!2
5.6 t 1,000
2. t79.1,16
216
6t5.208
8.962.251
t0t7l6
2,955
111,716,!26
22J9r,790
B.6l t,228
?8.tJ2.ltot
t13,221.6t9
2ll,tll7
1,295,fl!,
I ?10.158
8.9621\t
8,865?o5
,rr,,,,2,908
r69,0J5,516
i
II
s cit- D6nll,/
.,$ouirrTirn (/i
-'uEt&v),L"/,J-- {,,,
IiGAN HANG
fl 00il.liAil01
l,
I l:-/*
\)I;
1):t[4.
i
-a^-:-dda.i;F6a €--a a,
ooaa,t:d o.o:idn; rj.d qi.-
,r',/,
Il]I
.t)
!i
€*
:-e
.:E
!
7
7.4
E
a
9
E
=;3
io z
-:^.<- a
iai>:
..:
tlFEIV,B&
F
JF!(
U
F
f\
i,Nr\
Fq SHBr(:i\ nl\c rmcnsircor,rr,i \Arrr rri i l{utrr Dro ' Quiin lloiLn }i'.m.lltr Nd''!l 04lL)4rrr3t rax 013e4109,r1
n{od0,ri.hrnr hm rhit
TD - BAo CAo I,TIU CHUYTN TItN .TE - PP.TT - QUV
i. ChI tllu ,'
t\2
1 Ch,:nh l.ch s6 riin ruc thu/rhuc chi Lu hoar din-q rinh doanh 0l
chimg lhoin, llnAbac. ieoar lq
r r,r l'clll YtN l ttN r'trlrolT DONG (rNr DoA\rtI lh fhin lir rdcrc kh. th0 nhip trkmg ru trhdn dwc
I Ch' phi ir vi cac chr phi lvms rudi tr!j Tlr Dhip ruhoArdd.g drch !U trhan drcc
I (r rl-,r ..'. U-, rn nn d,\ dtr.. \r h \ui hu dA. -r e 1ru^.
l5 TirlC(Crm)cac khoar raChdr phu vl NIINNr6 Ir sr((; ml cnc khoan r:trBui. ri; \nvcd. ICTDl7 Tinp(G,^n, ucn efi oua khich hing (hdo g(',D cd KIINN)
7 I lr chr tr cho nllin vrin vah. dans qtratr l!. cdns!u (') 0lg r[i r]ruo rhu nhiit fiu! Ddp tonEki (') 08
l-utr.hu]4" titn rhuin In hori done kinh do0ih lru6. nhtrp 09
rh,r d6i va lAi s tl v6 luu dotrsrhrtae thq itii i hi fia hos! dAae
I rllh-e)rclm cd. lhoin riri.. ving sti vrl cho ya! !.c TC'l'l) kh6c l0
l0(lrnsl/(;irnrcdclhodnvikirhdoanhchLim-qkhodn I
t. .lrn.r'n'r'r (a!.inp \L Ir' !h'1h fho vnl'!J ttt ra' \M rr' 2
!l ll,rtrg)(,rnr cac lhoan.hor.] Lhach [rne l]. ' .trr, ,,'.tr r!u.ir J t'roni di btr dl. r.\. r.r:ir rr..(1,a, r .
I
li rns)'(;hm khrr ra liisln holrddns li.\hhdE nnr dii i e6ns qho l6nE
t6t'lIE
ti)411
28
30
tll2
JI
t1.92',1 .74',1)
6l.ll7
(l t7.056)
15,1J1
l.00l.lll7
(4,65i.70,1)
r8.6t I
{l{.{80.rrl)
(2r. t1l)
(lEl. t65)
(759.576)
7,8t2
tlt 919
(8.{t2.53t}
(1r.286)
56:l
,,,1
t6,1;
_t.250
(l0.rr0)
.1.092.235
(1.586 t02)
ll7.ltll0
77.l]1
I I t,6J0
1t.926.10t
(t2.271)
(2.l]9.145)
(6l?l)
lt.229.ltt)
1t.i;
2.71.1
(2s,ls2)
8 I J''r r!,,r phd hdh B ;\ rn (u eh'trpuar uu s,a\ lo.o Brd phJr tahrrl' dBr rIh t.ru ho, dinAr:\' drinh)
L9 Ti'r!(C' n) rrln rt lr( ui thrc diu tu. cho \a] mi lCTD.h'u ruL )o
.r) litr{(Grtr, c.c.dn-q. rdr chrnh nhri si rh rd.i! khoar no riLr 1l
ll
ll T:]trS,lCnm) \hic vi c(lrg nd [od darg
l2 (.lr rtrc,i.rluictrr l( fl)(')Luo rhuri riin (huitr rnh(!r dOnE unh dornh
r r.l r crll yr:N lrr:\ r i' otT DQNC t),it 1lI \ltrr \;m riLr san c(i dr h
I l'in 'lI li'lrrnl' li, nhtong birTS(l)I lr.n chr lurhan[ li.nhwnsh TScl)(')I Nltrr sim b;l done sen diiu tu(i)i lLatr rhtr u bdtr. rlrMh li hir dongsdn diu ru
6 I itr chr ri do bdn.lhanh lihArdongsln dir ru(+)7 T'ir.h' J,itr ru. Bop rin viocic d@ \tkhacs l'ii rhuJitr ru. Bop vnn vdo crlc d@ vikhdc
! I'i' rl'u (i ru! \J lc' I'uil Jd.- .lrd ru -.'. kh. fi d;
Lft chtrv6n riin thuin rn ho{r dOtrE diu lu
11
2l
rr r,r l:(1ruyaNTltN't ir'llo^t DoNc r,ir cniN
l TrnB !,ii d,iu r,: :lird c. r Jx' hrn -.' J, 'l'iJ k'ii Ltrl
vin! vtu itr.rivi.ic kh.rn viin vrv d:n han ll,;ir. Irin chi rharh k)!n -eri\ trJ co ELr d^' han !, du diu l';tr tirlr rN --'' v,ir (trca vruiu lhoan v;r tay dir han lhNI Cri rnc lrncho i d'rn-e. (r nhuer drr chra (r) lEi T'! lhr m nNi crrphiiu trgM qtri (') i96 Irin rlnL dmc Jo ben cr)|hrdu nsir qui no
,lt
ll{lIr
Yllliatr rI clc khntn runr drme riin rai (hli diAn.uriili 15
Lm(hnyin dCnrhtrin rnhoel d6 8tri(hr',hl\ l.m.hu)in riin lhuin trons ki
|Iiin rt.rc khotn lmE.,Ufls tian qi lhrri diam diu ki
Il Drin rh'nh inh hrdnE cir lh|y d6i q'gi'l
(r.821)
(r.fl2J)
(8,12s.09.r)
23.625.1r1
10,200.051
ltt2)
(312)
(1,254,6t1)
t6,111J{1
ll.9t2,rt9
0".-4'.h-//.- t, fl/
L{\ll
,lt
lh nAi nai\ thdhe nnn2alt
''i-,-::'c
ltA c0 PirA
sAt0oil.llAti0l
. cht !1.u.. .
THUYET MINH BAO CAOrAr cHiNH HoP NsArCho Quy II ndm 2015
F'!SHBNgan hlng I MCP SdiCdn -Hn Noi
TI,IUYET MINH BAo CAo TAI CHiNH H9? NHATQUV ll NiM 20rs
l. Th6ng lin va ngan hing
Giiy ph6p ho4ttl6ng 0041-Nll/GPngiy l3 rhiing II ndm 1993Giay phip hoat dAng do Ngan hdng Nha nudc Viet Nam capfhoi hcn hoat dong cia Ntsdn h,inB li 40 nam ke ru ngdl cip gi61 phepdAu ti€n.
Il6i dilng Quan tri
Ong D6 Quang Hi,!n
Ong Ngu;-6n vnn L€
Ong Trin Ngoc t-inh
Ong Ph4m Ngoc Tuin
6ng L€ Quang Thung
Ong D6 Quang Huy
Ilar ki6m sodt
6ng Pham I lda Binh
Ong Nguyin Hnu Drlc
6ng Biri l hanh T6m
I)l] Ngulin I hi Hoat
llan Tdng Gidm d5c
6ng Nguy6n Van L6
Ong Ding'lrung Ding
Ong Li l)ing Khoa
Ong Ngulin lJuy Tir
lld Ngd Thu tld
Ild Ninh Thi Lan Phuong
lli Dang '16 l,oan
tla Ng6 l hi V6n
'l ru sd chinh 56
Chn tich
ll\ vren
Uy vien
tly vren
]'hanh viCn ddc lap
Thdnh viCn
T6i b6 nhi€m ngdy 5 thang 5 nam 2012
T6i bii nhi€m ngdy 5 thdng 5 nam 2012
Tliib6 nhiOm ngey 5 thiing 5 nAm 2012
86 nhir:m ngay 5 thdng 5 nam 2012
86 nhiQm ngdy 5 thring 5 ndm 2012
86 nhiem vdo ngdy l9 theng 4 ndm 2014
Thdnh vi€n
Thanh viCn
'l hdnh vi€n'lhrinh vi6n
Tai b6 nhiCm ngdy
lar bo nhrgm ngay
Tdi b6 nhirim ngiry
86 nhi6m ngdy 24
05 th6ng 05 n,m 2012
05 thdng 05 ndm 2012
05 rhdng 5 nam 2012
rhang 04 nam 2015 Iill
lrT6ng Girim d6c
Phci T6ng Cidm d5c
Pho long uram ooc
Ph(r T6ng Ci6m d6c
Ph6 Tdng Gi6rn diic
Ph6 T6ng Giam d6c
Ph6 T6ng Cirim diic
K6 to6n tnrdng
Tdi bd nhiem ngay 2l thang 5 ndm 2014
86 nhiQrn ngdy 0l thdng 9 nam 2006
86 nhi6m ngdy l0 th6ng 4 nam 2009
86 nhi€m ngdy l8lhdng 02 ndm 2013
86 nhi€m ngdy l51h6ng 3 nrm 2011
86 nhi€rn ngdy 08 thring 06 nam 2012
86 nhiCm ngay 9 thdng I0 nam 2012
86 nhiQm ngdy I I thang 1l ndm 2014
77 - I-rin Hung Dgo - Q.l todn Ki6m - ]-P.Hd N6i - vict Nam
SISHBNgen htng t MCP Sli Gi'n Ili Noi
2. l)ic di6m hoet dong cria tO chir tin dgng
Ngan hang Thuong mai C6 phin SAi Gdn - Hd NOr (duoi day gai tir la 'Ngan hang ) te m61
ng6n hdng thrrong mai c6 phin Vi€t Nam thdnh lap tai nuoc COng hda Xa h6i Cht nghia Viet Namvor lhdi gian hoAr d6ng la 40 nlm theo 00,1I-NH/GP ngdy ll thang I I nam l99l cta Ngan hanS
Nhi nudc Vier Nam.V6n diAu l0 cria Ngan hAng tai ngay 30/06/20t5 ld 8,865,795,47U,U00 d6ng(Tim nghin td,n trim s.{u lam ti biiy lrAm chin lam rrieu b5n rrtrm biiy muoi nghin ddng).
ll6i so chinh cia Ngan hing dat tai 56 77 - lrin Hmg Dao - Q.Hoin Ki6m - He N9i - Vier Nam.
Iaingi)30/06/20l5.NBanhengc65.72qnhrnvidn(Diunam20l5:5.55lnhenvien).
J. l6m tit cec chinh sich k6 to6n chu y6u
Chudn muc vir ch6 dO k6 toin dp dr;ng
\ll;n hiint trinh ba) cdc biio ceo tai chinh bing di'ng Vidt Nam (VND, rhco Luit cae Td chrle
lrnLlrrng. Iuiitsuad0i !AbJ\untsrnJlsodieutrontsl.uatciic l6chuc I in dung. cdc chu,in muc kiloin Viit Nrm vd tlO th6ng K6 todn cric td chric tin dlng Viel Nam.
Ki bto cdo ve ddn vi tidn i6
Kj b6o ciio cua Ngan hdng bit dir.: tir ngiy 0l/01/2015 vii kCr lhuc vdo ngiy 3 I /03/2015. . Don
vi tiin td sri dung trong ghi chip k6 todn la d6ng Vidl Nam (VND). I u) nhi6n. lheo quy dinh tai-fh6ng
Lu 49/20l4,rfl -NIINN nSay 3l/12l2U14 cia Ntsen hang Nha nu6c, cdc so lieu tren Biio clio
lar,Jhrnh du.Ic lam tron ddn hing trieu vir trrnh bd) thco don \itrieu dong Viet Nam.
J. Nguvin tic ghi nhan cdc nEhiip vq bire ngo?i ld vi qu! ddi
'lhco hQ th6ng kd to6n cria Ngdn hdng, t5t ci c6c nghiCp vu phiit sinh cua Ngan harng duoc hach
toin rheo ngu."-€n t6. Tai thoi di6m cu6i nim. tai sen rd cong no co ngu6n 86c ngoei le duoc qu)
d6i sang vNI) theo ri gi6 quy dinh vio nga) lip bang cin ddi k6 todn. Cdc khodn thu nhap ve chi
phi bing ngoai te cua Ngan hing duoc hach todn banU VND lheo ti 8id vao nga) ph6t sinh th6ng
qux giao dich rnua bdn ngoai te. Chenh l€ch li giii do diinh gid lai cdc lai khoan krnh doanh ngoar tC
duo-c hach loiin vrio beo ciio K6t qui lloet donts Kinh doanh rA lgi nhuAn di lai. ChCnh lCch ti gie
phit sinh do qu) d6i ciic tai sdn va c6ng ng khac bing ngoai 16 sang VND duoc xt ti rio doanh sd
cua cec khodn muc luong fn8 trCn bdng c6n d6i kii toen veo ngey lap bro ciio lei chinh.
5. Chri,ng kho6n iliu tu gii d6n ngey d6o hen
Chring khodn no gitr d6n ngay ddo han Id cdc chfng khodn c6 ki h4n c6 dinh vi cric khoiin
rhanh torn c(i dinh hoic c6 thd xdc dinh du{rc va Ban ldng Ctdm d6c co i dinh va c6 kha nang gin
d6n ngiry drio hqn. Ngdn hang dang ghi nhAn cac ching khoiin ndy theo gid gric cQng lai du lhu lrir
ta, .f,i, pfan U6. Cia tri phu troi honc chi6i khiu (n6u co) cing duqc phdn enh vao gie lrr tshi so cua
khoiin diu tu l-ai duoc du thu hotrc phan b6 theo phuong phdP dudng thing Chtrns khoan duoc
gir-r din khi rJrlo han se dugc xcm \il !i khd neng gia'n gid Chung kho'n duoc lep du phdng gram
gia tni giri,r, thi truong nhd h(m gie rri ghi s6. Dq phdng grdm gi6 dugc ghi nhan vao bao cao ['ri
qni hoal d6ng kinh doanh.
[''SHBNgen hing TMCP Sli (;dn llA NAi
6. ChriTg kho{n diu tu sin sAng d6 bdn
Chrlng khotin diu tu sin sdng dd ban ld cac chtng kho6n d(oc grii rrong thni grun khong indinh lruoc. c6 th6 duoc b6n dd dAp fng nhu cau rhanh lhodn hodc de tn8 phf, voi lruong hgp thay
ddi lAi suit. ti gi6. hoac giri tri chfng khoiin. Ng6n hdng dang 8hi nh6n c6c chfng khoiin nay theo
giii g6c cclng ldi du thu tn) lai cho phan b6. Gid rri phu rr6i holc chii:r k}6u (n€u c6) cong duo. c
phdn dnh vdo gid tri ghi s6 cua khodn diu tu. Lai duoc dq rhu ho4c ph6n b6 theo phuong ph6p
drong thing. C6c chfng khodn ndy duoc denh gi, dinh ki theo gi6 rri thi rrudng va du phdng giam
giii tri se duoc lap khi gie tri thi truong nh6 hon gi6 tri 8hi s6. I)u phdng giam giii duoc ghi nhan
! i,, br^ (ro kcl quij hi)at d6nts k inh doanh.
7. Chi'ng kho6n kinh doanh
Chling khoen kinh doanh le chrrng khoiin ban ddLr dr-roc mua vd nirn gii cho muc dich krnh
doanh trong ngin han ho{c n6u Ban Tdng Gidm doc quyet dinh nhLr vAy. Ngan hants dang ghi nhan
(ic ching khoiin ne] lhco giii g6c \ao nga) giao dich. frong ciic kj liep theo. ciic chrng khu;n liaF
Lur rlu,le lhi nh6n thco gid goc. Tu1 nhien. gi6 tri thi trudng c0a ciic chfng khoAn van duoc NBan
h.rne rhc,' ddi di d,inh gii !i lhc nlng giirn gid lhi gia rri rhj rruong thip hon giii loc. \tsoai rru
lrronS hop kh6ng thC xdc dinh gi6 t.i thi truong mot cach chic chdn thi grd lri cua chtn8 duoc rinh
dua rren nguyen gie sau khi trir di t6n thit Lr6c rinh (n6u c6). Lai hoac 16 tt kinh doanh chfng
khoiin duoc ghi nha.n lr€n brlo ciio k6t quir hoat d6ng kinh doanh theo s6 thuin.
8, Cdc khodn cho vay vi fng trudc kh6ch hdng
Cdc khoan (ho rry \a ung rruo. khdch hang duo( c6ng b6 vi trrnh ba) lheo 16 dLI no Boc lai
rhi)i diarn cu6i k,i'k6 todn.
,. Dr phdng r0i ro lin du[g
'l'hco Luet ciic T6 chric tin dung c6 hiCu lqc til ngdy I thrin8 I n6m 2011, qu16t dinh si,
I617 2001 QD-NHNN ngay 1t lh6nu l2 n,m 2001 cuc lhon8 doc \gan hang \ha nuoc \C \iac
ban hanh Quy ch6 cho vay cua Td chuc tin dung diii vdi Khach hnng vd cric quyit dinh sna dor
Quy6r dinh s6 16271200I/QD-NHNN Ngin hdng phdi thuc hicn phan toai ng. trich lip du phdng
rur ro lin dung.
NB?rr- I rhdng 6 na,n 2014. Th6ng tu s6 02/201 l,rfT'NI INN ve th6ng tu s6 09/20 14,'ft-N HNN
qu1 dinh vi phin loqi tei sirn c6. mtc trich. phuong phdp trich lap dq phdn8 rni ro va viCc su dung
rJd xn Iy'rni .o trong hoat dQng d6i voi 'I'CTD !a chi nhdnh Ngdn hdng nudc ngoei chinh thtrc c6
hieu l\rc. Ap d!'ng Dieu 8, Th6ng ttr s5 02/2013/m-Nl INN, lrong vdnB l5 ngdy diu tien cria qu1
lll. Ngdn hing se hoen thanh viCc tlr phan loai no va trich lap du phdng rii ro cho s6 du ng lai thoi
drim curir quj ll va se ghi nhan chenh lOch dq phdng phel sinh leo biio cdo lei chinh ri€ng qui Ill'
56 liCu duoc lrinh bay lr€n beo ceo 6i chinh gita niCn dO nay ld k6t quA phan loqi no va trich lap
du phdng cho s6 du ng tei thoi di6m cu6i quy I theo qu,v6t dinh s(i 493/2005/QD-N| INN ngi)- 22
rhring 4 nam 2005 va Quyiit dlnh s6 I 8/2007/QD-N LINN ngiy 25 th6ng 4 nam 2007 cia Ngan hhng
l
*!ISHBNp0n hine TMCP Sni Gdo - lti N0i
),lhii nuoc vd viec phen loai nq. trich lilp vir sr:r dung dr phdng de xu li rui ro tin dung trong hoal
d<lng ngAn hdng cua t6 chfc tin dung Theo d6. cec khoan cho vay kh6ch hdng duoc phan loqi lheo
cac rnirc dg riri ro nhu sau: Ng di tieu chu6n. Ng cin chti !. Nq dudi ri6u chuan, No nghi ngo va
No c6 khd nang 'n6t
v6n dva vao tinh trang qud han vir cac yiu td dinh luong khac coa khoen cho
vo),.
Cac khoan no duoc phen loai la \o duoi lieu chuan, No nghi ngo va Nq co khi ning mdt vdn
dLroc coi Id no xAu.
- D'r phdng cu thi
I)u phdng cu thd dugc trich lap tren rui ro tin dUng thuin cua cdc khodn cho vay theo ljtu(rn8 rrng voi tirng nh6m nhu sau:
I
No duoi tieu chuin
Ng nghr ngo 50%
Noc6 khA nans mat v6n 100%
Rui ro tin dtng thuin cria cdc khoan cho vay khrich hang duoc linh bang gia 1r; cdn lqicia ciic
khodn cho vay trir giii tri cua tdi sen diim bao dE dugc chidt khiu thco cdc ry te theo quy dinh trong
quyir dinh s5 493/2005/QD-NI lN N. Quy6t dinh sO I8/2007/QD-NHNN, th6ng ru 02120l3rll-
NIINN
Dq phdng chung
Ngen hang thuc hiCn lrich lap vi duy rri du phong chung bing 0.?5ozo l6ng gid tri c6c khoan no
drrm phin loai ti nh6m I d6n nh6m 4. lru cdc khoan tiin gii tat 16 chuc tin dung trong nuoc. chi
nhanh ngen heng nudc ntsoai tai Vi+l Nirm theo qu) dinh cua phdp luel. tian 8ui tai ld chi( lin dung
nuoc ngorii va c6c khoan cho vay. mua cti k1 h4n giil to co Bid d6i voi to chuc tin dyng, chi nhrinh
ng,rn hring nu6c ngoai kh6c tai ViQl Nam.
l)tr phdng rr]i ro lin dung lai Campuchia vd Ldo eP dqng theo quy dinh hien hdnh cia NHNN
('Jrnp chiJ \r I iro trong lj bdo cdo luon8 trng.
10. 'Iii sin c6 dinh
lii san ca' dinh duoc lhd hiin thco ngu)en gi6 tru di khiu ha,r I[] kc. Ngu)en gia bao Sonr
roin be cic chi phi md NSan hang phdi bo ra dii c6 dugc ldr sen cij dinh tinh d6n thoi didm dua tai
srn d(i v:ro lrang th6i sin sirng su dqrng. Tdi san c5 dinh duoc tinh kh6u hao theo phuong phep
dudng lh;ng d6 trir din nguycn gid tiri sen trong su6t thoi gian h0u dung uoc tinh nhu sau:
,I
'i
xi
)
No di ti6u chuin.
Nq can ch[ Y
1\ lt: th tht)ng (l tlk)
0%
5%
.+
200/.
5
6.tSHBNsin hAng TMCP SAiCdn llANoi
- Nha cua. vat ki6n trtc
- Ma) rnoc.lhret br
- Phuong li6n van tei
-'l'hiiit bi van phdng
- l'ei san c6 drnh hiru hinh khdc
' Phin m6m mri;- tinh
- lai snn c6 dinh v6 hinh khric
25 nAm
03 - 05 naln
06 - l0 nanl
03 - 07 nam
04 07 nrm
03 - 08 ntrm
02 - 20 nam
Qulin su dung ddt duoc kh6u hao theo phumrg phnp duong thing phi hop vdi Cia) chintnhdn quy6n si dung d6t. Quydn su dung ddt v6 thdi han duoc ghi nhan rhco gi6 g6c va kh6ng rinh
kh6u hao.
I t. Tiinvlc6c khoiin tuong duong tian
l'idn vd cdc khoirn tuong duong tidn bao gdm tidn m{t, vang, d6 qui. tidn gLir thanh roen tar
NllNN. tin phidu Chinh phri vd cric gi6y to c6 gid ngin han dri diiu ki€n chr6t khiu voi NHNN. cickhoiin trin gtrr thanh todn vA lian gui. cho !a) lqi cec lo chic tin dung khdc c{i lhoi hqn dilo hen
kh6ng qud I lh6ng k6lir ngay gtr.
12. Cdc cdng cu tii chinh phSi sinh
Cic c6n8 cu lar chinh phii sinh duoc ghi nhan rr€n beng can d5i k6 rodn rheo gid lri hop donB
Yio ngriy giao dich. vd sau d6 duoc denh giii lBi theo g16 tri hop ly. Loi nhuan horc 16 khi cd,; eong
cu tei chinh phiii sinh duoc lhuc hien duoc ghi nhan rrong bao c6o lit qud hqat dOng kinh doanh
I .ri nhuin hoac t6 chua thuc hrgn duoc ghi nhin vdo khoen muc chenh lech danh gid lai cdc c6n8
cu rai chinh pher srnh rr6n bdng can di;i ke todn va duoc ket chuyin vio kir qua hoal ddng kinh
doanh vao rhoi didm cu6i ndm.
lJ. Ghi nh6n thu nhap/ chi phi l6i
Ngr)n hdng ghi nhAn thu nhap tir lai va chi phi lai trin bdo cdo kir qui hoar dgng kinh doanh
trin co so du thu, du chi.
l.l. Ghi nhan thu nhap tir phi vi hoa haing dich vg
\gin hinS lhu phi tu cac dich ru cung cip cho khiich hing. l hu nhap tir phi c6 lh6 chia thanh
ciic nh(im sau:
F'SHBNg:itr hlns'I MCPSiiGdn -}In Noi
. Phi lhu ti viqc cung ciip ttich vu trung m1t thoi gion nhiil arinht phi rhu rir viCc
cung cip dich vu rrong mot thor gian nh;r dinh duoc du thu trong su6t thdi gian d6. phi ndy
bao g6m phi quan l)'. phi nhan u],thdc. hoa h6ng vi ciic phi lien quan d6n cip tin dung.
qunn I! tdi san. phi quan lr'danh muc va ciic chi phi quiin Iy c0ng nhu phi tu v6n khric.
. Phi thu ti viec cung cdp dlch vr| giao /icr.. Ph i phnr sinh tn viCc dam phen vd tham
gra ddm phiin ciic giao dich cho m6r b€n tht ba, vi du nhu dan x6p vi6c mua c6 phin hoac
ciic loai chirng khoiin khac hoSc mua lai doanh nghi€p. dugc ghi nhan khi hodn rit giao
djch li0n quan. Phi hoec m6t phin crla khodn phi nay c6 liOn quran d6n vi€c thuc hiin m61
eJrng vric nhit dinh sd duo.c ghi nhin khi h.,an rirdiiu krcn ruong ung.
a\)
/
FFq
,-
i
_--tr -it: .,J
:!l,l
..s
!!h
'G
.is < F.E 3 .^-<a.:=..a,!i,
= : t.o ! E i n Ers = i: = r; E o:!S € .oEFs€e-.E
*l P P E'E d o n.osn -. :o - ' -o!{ N F j n F
z
;;
(,g)a
r^!6l.:
=a
,ii I d4 ..i o - a.a.i
,:, sieldlI
z
5i
,!
2
-e EF = E :.: 9
=. 1 6 C .= = I .;r P E u aY 94€= ' 2 5' !E E -z
'E E'; E E €"; T:: 5 :j .=Ei E 5 E'3-:1 =- EE;E ! ; =AE'E€ - ,=.
r"! er"! .E .E: F E-E.*EEEE.';? I,*':'s E.r E ;!,nni,e;;:,E!EffE =
_ ;; ',6 ri E iE 9" E .3 - : E + E . d =.
..Er- jij?ii"-.EiFUl!= :C€ F
F
z
I
R
(,BraaP-i .E
-i
[!ISHBNp6r hlnr ]-MCP Sni Cdn llir Noi
16. 'Iidn m{1, vnng bac, dd quy
30/06t2015 3t/12/2014
17. Ti6n giri tai Ngan hing NhA nlllic
I ien gui rhanh toen tai NBan heng Nhd nudc
I rcn gur nhonE loa (ncu co)
Iiin gni khric
lll.'t iin, rAng giri tai c6c t6 chuc tin dgng khdc
I iin mdt
Kim loai
bing VND
bing ngoai td
qui. da qui
l iin, fins Rii kh1ns kjr hpt
- Iling vNI)
- Bang ngoar lq. vanP
Tiin, ving gni cd kj, htn
- Bing VND
- lrang n!o4r lc, vanE
(lho va]
Ilin-s VNI)
lJrng nloar lq. !ang
Du phdng rni ro titn g'ii vd
kh6c
2,5.1I,71',I 1,146.049
561,102
405,874
t26.510
471 .115
273,1t9
57, t39
1,093,686 80r,433
30to6t2015 3t/t2t2otl
2,511,111 1J46,049
30/06/20rs 3t/12t2014
cho vrv TCTD
5,504,648
4.855,022
649,626
11,0,15,020
I 1,0i5.137
9,881
2,000,000
2,000,000
(s,137)
5,611,663
3,670,396
2,007.261
1E,EIE,E85
18.805. l]7
8.748
4,999,952
4.745.000
254.952
(s,137)
18,544,531 29,,191,363
r' SHBNgen hnng'rMCP Sni Gdn - tln NOr
19. Crc c6ng cI tii chinh Dh6i sinh vd c:ic tii san tei chinh kh6c
T6ng gtd lricia hqpding (theo ty gid nsdy
ht(u trc hap dong)
T6ng gid bi shi si kA bAn(theo ti Eid tqi ngAy l1p bdo c.;o)
Tai sdn C6ng nq
Tgi ngiy 30 thdng 06 ntrm 2015
COng ct TC lthtii sinh tiin tGiao dich ki,hen tidn tc
Giao dich hodn d6i k, han
T?i ngiry 31 thing 12 nnm 2014
LOnP C4 lL pnot Stnh uen lP
Ciao dich ki han tian te
Ciao dich horin d6i kY han
20. Cho vay kh6ch hang
Cho va) cac 16 chtc kinh t6, cii nhdn trong
Cho !a) chrir khiu thuong phr6u vi cric gi6yrd c6 gih
C6c khoan lrd thay khech heng
( ho !a\ bin8 v6n lai lrg ru cdc TCTC Quticrc ( wB. JtcA...)Cac khoa'r R8PO vo' kh6ch hrn8 cta SHBAMC
Cec khoan phdilhu giao dich cht?ng khoan
CUA SIIBS
5,796,727
534,959
5,26t,768
4,194,rJ0
2.606,885
r.887,245
18,61I
5,t60
r3,45l
7,832
3.031
4.801
3|12/201430/06/2015
I17,668,839
6.6t6
t6,r84
7 ,959
103,206,080
t.34',7
81.942
649,085
1,700
142,560t16,532
118,600,190 104,095,714
l0
F'SHBNgin hlns TMCI'Sli Ga'n Hn Noi
20.1. Phen lich chit luqng nd cho vay
No du ti6u chuan
No cin chi jN!' duoi ti€u chuin
Nq nghi Dgd
No co khi nrng mit v(in
30/05/2015 3t/12/20t4
I t3,4E4.2a4
1,993,931
8E9.283
420,959
1,63s,t97
99,864,42t
t,9 79,359
262,t54
356,024
1,488,896
r 18,423,65t t03,95t,454C6c khodn
AMCCdc khoincua SIIBS
I) lC no
t76,532
1.700
142,560
REPO v6i khech hdng cia Stlll
phai thu giao dich chrmg khorn
11t,600,190 10,1.095.714
30/06/2015 3l/12/2014%
lv la no quli
'I'i le no xiu
4.t6yo
2.4ayo
3.97yo
2.02%
han
tl
I'SHBNsen hlng TMCP sliCdn HiNoi
20.2. Phen tich dunq theo thdi gian
N!, nsin han
No lrung han
Nq daih+n
Cdng lv Nhd nu{rc
COng t] TNH|l Nhd nu6c
C6ng ty TNHH khec
C6ng ty c6 phin v6n Nhi nudc
C6ng ty c6 phin klr6c
Cdng ly hop danh
Doanh nghiep tu nhan
Doanh nghi6p c6 vitn diu tu nlr6c ngoiri
Hqp ric xe va liCn hi6p hop t6c xa
l16 kinh doanh, ci nhan
Thenh phin kinh 16 khec
C6c khoan Repo v6i kh6ch heng cua
c6ng ly 'l-NHll MTV Quan Ii nq ve
khai thic taisen SHB
C6c khoen phdi lhu giao dich chingkhoArr cia C6ng ty CP chung khoiinSIIB
3Ul2n0t4
ftieu VND o/"
30to6t2015
Tri(u ding3t/12/2014
5 t,480,468
34.992,41I
32.t27,3tt
45,442,tOt
33,E30,159
24,t23,454
r16,600,r90
20.3. Phan tich du ng cho vay ih€o d6i tuvng khich hing vA loai hinh doanh nghiep
t04,095,714
30/06/20 t 5
trieu YND
5.323,2t9
9,065.562
24,040,392
t,6E7,s2l
48,479,524
8,I I8
1,092.235
I15,555
73,22t
19,it7.305
2,200,928
4.49Vo
'7.64Vo
20 27%-t.130/,
40.8t%
0.01%
0.9?o/o
0.lovo
0.06%
t6.30%
LE6%
0.00%
t7 6,532 0.t5vo
3,804,855 3 66%
6.312,135 6 06%
20,95E,057 20.t3yo
6,653,68r 6.39Vo
46.907,729 45.06Vo
5,113 0.00%
I,3t4,026 1.32Vo
52,077 0.05%
6 t,581 0.0604
16.'/32.109 t6.07vo
1,089,191 |.05%
r,700 0.00%
t42,560 0.t4yo
rl8,600,190 100.00% 101,095,71,1 100.007"
tz
r'SHBNg6n hnng TMCP SliCdn Irn Noi
20.4. Phan tich du nq cho vey theo ngenI kinh t6
N6ng nghidp va lam nshi6p vn rhu,- san
KhaikhoangC6ng nghiep ch6 bi6n. chii tao
S,n xuir vI phan ph6i dren, khi diil, nu6cn6ns. hoinudc va diau hda kh6ng khi
Cung cip nrdci hoar dong quin Iy va xu liric thiii. nu6c thiiX6y dung
Ben bu6n va ban le; sua chia 0 16. m6 t6,xc may vi xc c6 dons co khec
Ven rii kho bai
Dich v! luu tru va an u6ng
Th6ng trn vi rruvin th6ng
Ho?l dong tajchinh, ngAn hdng vA bAo hi6m
Ilorl d6ng kinh doanh bdr d6ng san
Ho4l dqnB chuldn m6n. khoa hoc ve cdngnghe
tloal d6ng hanh chinh va dich vu h6 rrq
Hoal d6ng cria Drng C6ng sdn, 16 chfcchinh rri - xa h6i, quan li nhd nuiic, an nrnh
qu6c phdngi bao dem xa hoi bit buoc
Gido duc vd ddo leo
Y ta !i hoar d6ng trq ginp xa hoi
Nghe thuil, vuichoi va giai riIloar d6ng dich vv khnc
Hoqr d6ng I;m rhu€ c6c c6ng viec trong cac
hO tsia dinh, sin xuit san phAm v6t ch6r "ddich vu tq riau dnng cna h0 gia dinh
Cdc khorn Repo vdi khach heng cta c6ng
r) -INIIH MTV Quen li no vi khai thrc tAi
sen SllaCbc Ihoan phri rhu giao dich chrmg khodn
cua Cong Iv CI, chLrng khodn SHB
T6ng du nn
30to6t2015
Triiu ding25,168.328
6,044,308t8,055,333
s,t6t.4E5
3t/12/2014
10 l fteu aohg
,n % ,3,38r,%55 100/"
15.22%
4.35%
0.0s%
t5 2t%
t5.l4vo
2.700/o
0.83%0.09vo
t.tto/o
'l.4to/o
0.03./"
t.35%
0.0to/"
0.02vo
0.09vo
0.tovo
9.140/o
0.02yo
0.000/"
0.15%
5,080,03814,600,473
2.607,5t5
22.4'tvo
4.8Evo
t 4.03%
2.50vo
61,603
lE,0l3,4r s
17,957 ,7 42
3,207 ,t7 6
982,510t0t,945
1,398,594
8,786,989
34,647
I,596,703
10,051
29,460
r0r.639
12t,144
I t,551 ,247
18,639
2t,609 0.03vo
t5,2t9,800 14.690A
16,212,150 | 5.5 |Vo
3,2E0,4E2 315%r,E3E,t 53 I 17%
91,836 0.09yo
1,095,445 1.05vo
7,952,334 7 .640/0
40,624 0.04%
l,0l1,934 0.99%
3,9E0 0.00%
31,0E6 0.030/o
91,504 0.09%
45.112 0.04%
t t,21E,922 t0 7E%
20,062 0.02vo
1,700 0.00%
t42,560
(
1t6,532 0.t Avo
rt,600,r90 100.00% 104,095,714 100.00%
ll
醜 SHBNgan hang TMCP Sai Con_::】 Noi
21. Ching khoin dau ttrsin sing de b`n
crr′″g″力οイ″Л彎7
Chtrng khoan chinh phi
Chtrng khottn NO do cac TcTD khac trOng nu“
phit hanh
Ching khoin NO do cac rCKT trong ntrdc Phit
hanh
C‐Jl′″g′rlο
`″
レo″
Ching khoin V6n do c`c TcTD khic trongntroc phit hanh
Chtrng khoin V6n dO cac TcKT trong ntr6c phit
hinh
Dr′rrう″ggtt gだ`rfヵ
″gl力 0`″ 9ri″ sa″g`′
b″″
30/06/2015
ル″ングδ″g
31/12/2014
77'′″グ∂″g
5,620,126
2,368,115
53,003
3,199,008
48,113
11,689
36,424
(17,698)
5,746,693
2,135,034
54,909
3,556,750
48,113
11,689
36,424
(33,606)
5,650,541 5,761,00
Ы SHBNgan llang I McP s、 i Cδ n-lIヽ Noi
22.Ching khoin dう u ttr gi■ den ngay d10 han
Chring khorin Chinh phn
Chfng khodn Ng do cdc 1'CKT trong nudc PH
Du phdng gidm gi6 chung khodn tliu tu giI tliinngiy diio han
30/06/2015
rr,′″グ∂″g
31/12/2014
rr′′″グ∂″g
7,021,879
5,790,445
(394,718)
2,806,642
5,236,685
(333,429)
12,417,606 7,709,898
15
TdSHBNgin hing lMCPSli Cdn - Hi Noi
2J. G6p v6n, diu tu dni hqn
Cop v6n li€n doanh
C6c khoen dau tu dei han khac
Du phdng gidm gi6 ddu ru dni han
30/06/2015 3t/1212014
324.302
(17,069)
34 t,59;(20,55E)
307,2J3 l2l,0J2
,it-l
?l
"l
"n
n-n-i + -<<
I6,.
6rQr
--fra ..1 =<
1
")o-c; I -<
61 €- fi r >
,5:7l
fss.i .i. : i.s 7! -: X ,- 'i -" F.^: r "E! i .-.:: .-L] i.-.-.
l-:
: E.: Ei:i= E !i =€E"?g:= E ii*;ii'1: .EI Pr : :; 5'!tI ! r'!H;t",E i1i ; s FF
e A;;; + E f;i+ i; 5;;= 5;q + i ; u ! EF
iaa3
,i:E
!,Etr--'AEs.Ef.v
!
=Y _
g=s--
.ir
Fi
E'E 'ir-r.i.-d:
ar - _F
d=:
.s
I
F
(
arE
"E
: E "9!*E^!F,: ;: ? = ':- i .=SE
E:!:; SEEEi iE;;.:r E":t riir ij6 3:i.! ': =+ Je 3-E= s= 3 i3=-:.E"€:S< e e ++ElEijsis:r:EsiS:Egi=.
7 n : - It::-o-i-::io-F
zt
F
i5.z
,i
vts:+T"aEG.i.y
E"' S fIBNpen hlng TMCP Siri Cdn IIn Noi
25. 'fii srn cii dinh v6 hinh
- l ing, gidm tdi san c6 dinh v6 hinh ki ndy:
NgurGi giri
Sii dudiu ki56lIng trong ki
- lnngkMt
Tht hli nh&ns bdn
s,i au cuiiitriGi,i trihao ndn lui k6
sii dudiu k!S,i ting rrong ki
S,i Ri:im irong ki- lhuhh lf nhtnq tun
sii a''c,6itriCii lricdn lai
T?insi\ diu [jIqinsi\ cu6iki
QUrin sndrpng
ddr
Tiisin c6 dinh
v6 hinh khnccons
J,629,591 119,022
725
725
.],E{t,t09
725
725
J5,{91
J,629,59.1 179,711 35,19J J,E{.1,8J,t
5,J12
7E
78
t03,J,tl
t3,39?
t3.t97
tJ,590
r€.]7
1,837
tzt,265
t5,ll2ti.3t)
5,r10 ll6,7{0 15,127 t17,577
J,62{,262 75,679 2 t,90J 3,72t,8{t
'i
3,62{,18.1 6J,007 20,066 J,101,751
19
$'SHBNeAn hing 'I MCP Sni (;dn - lIn N6i
- 'l Ine, gidm rni sAn cii dinh v6 hinh ky trurc :
ourin.ndunq^., , . -. teidnc6dinh 'n""'no"'""0"'' ;' Phin mam liritrh ConSdtl rd hinh khic
Ngu)en giis6auaiunlm
Tlnnhh\nhnnghdn
s,i rlucuiir ntm
Ci, rrihro mdn lui k6
sri auaiu nlm
Ihuhh li nhrns h;n
siiaucuiiinlrnCii rrican hiIri ng,r dir nlm.Iai
trslr (u,ii nI m
3,629,59t t9E,.r9{
t5155()1.9)7)
l?,608
12115)
J,86s,696
ti.155
47.41))
J,629,591 t79,022 l.Elt.t09
s,l7{ l0J,5J9
28911
t29,t)9)
,39t
16r20,rr)l397
6121'IOJJ,IJ tJ,590 122,265
3.62{,{20 26,210 J,715,$t5
3,62t,262 13,679 21,901 J,72t,&{
20
議鵡SHBNgan hら ng TMCP Sal GOn― Hぬ Noi
26 ・「
】isin C6 khic
Cic khoan lal,phi phai thu
C▲ c khoΔn phaithu
Dv phOng rtiro cho cic tai sin c6 khac
「 aisan c6 kh`c
27. Tien,vぬ ng g“ vi vay cic tO ch`℃ tin dlng khic
―TiOn,ving gul cia c`c t6 chic tln dり ng khic
ric.,ッ allg g″′lJI∂″gt,Jlg″
―Bttng VND
_Bang vang va ngO,l te
ric“,ッ a″gg″```,力
F″
―Bang VND
_Bang vang va ngoaite
‐ I`iCn,vう ng vay cic tO chl℃ tin dlng khic
―Bang VND
―Bing vang va ngOIIte
1 6ng
30/06/2015
rr′ 9ン グ∂″g
31/12/2014
rr′′″′∂′g
8,033,676
1,461,854
(55,517)
6,176,860
6,921,697
1,574,121
(51,997)
5,939,000
15,616,873 14,382,821
30ノ06/2015
ルj´ング∂′g
31/12/2014
『r'′
“a∂′g
5,2,9,3r6
5,206,589
52,727
9,πttfイイ
9,130,000
608,144
4θJ9,θθ8
3,987,469
51,539
ノ乙イ6乙イr2
17,000,000
467,412
14,997,460 21,506,420
30/06/2015
77'′″あ″g
31/12/2014
rr,′ 2rグδ″g
1,786,073
435,297
4,827,485
1,808,986
2,221,370 6,636,471
i'1NgAn
SHRhntrg TMCP Sli Gdn - ll) Noi
28. 'l iin gih cda khdch hdng
'l i6n, virns gni kh6ns kY han
- f iin gni kh6ng ki hEn bing vND
- Iiin gti kh6ng k! hEn bing ving, ngo4i
'[ian, vnng gni c6 kY h4n
'Trin 8ui co ki han bing VND
- 'l'i.n gin co ki, han bing vang, ngoai re
I rcn gtll von cnuycn oung
Tidn eui k{ qui
Chuydn tidn phdi tri
29. C6c kho:in nq khrc
Crc khoin phdi rre noi b0
C6c kho,n phai lrA btn ngoai
thui'INDN hoan lai phdi lrd
J0/06/2015 3l/12t2011
re
14,322,991
12,327,295
t ,995,702
126,036,90E
1. t64,936
t t .81t .912
466
587,362
12,180,210
)0.1t2,671
t,667,533
109,119,814
10,120.752
5J
1,054,7tJ
t2,169
140,911,733 123,221,619
30/06/201s 3t/t2l20tt
21,t06
591,102
216
7,828
556.971
461
615,424 565,261
2?
Al
\l
.l'I
I
5--!!OO".i;-tiutduivi
9rl:.1 ts:t=rn+!1
\o- = >< @"
Ivir;3
€-4..PE2E.- .>= = ; '?
r -ir Mrcs a ._"EFE"E=!= a=':E E S E 35EtEau
L)'€
A
.t
Sa
!. oa:o E.:d
3: -
d.r
U
!-E
*.oF
E:99i5.z
-
PrF*=
7.
}'SI{BNsin hi s IMCPSliGdn -IIi Noi
31. Thu nhap lni vir cec khoin thu rhap tudng lg.
hi ticn gni
Quj II.20l5 Quf II.20l4
'I hu
Ihu
479,355
2,301.609
209,445
r60,5 tl
96,981
2,028,048
234,111
ll9,653
Thu lai tir kinh doanh,
lhu khiic ti hoat d6ng
ddu ttr chr?ng khoiin Ng
tin dung
J,r56,922 2,479,{ll
32. Chi phi lei vi cec khoin chi phi tudng ru. .
ItA lii tiCD gui
lia I,itian vay
lia lei phat hanh Biiy to c6 gie
Chi phi hoat d6ng tin dung kh6c
ll. l,iil 16 lhuiin tn hoqt dong dich vu
Quy II.20l5
TnQu ding
Quf II.20l,l
Triiu ding
(2, t94, rs4)
( r5.i70)
( r04,840)
(1,680)
(r.664,00r)
(24.147)
(7.410)
(2,3r6,044) ( 1,719,163)
lhu phi dtch vu( hi phi dich vu lien quan
l,eil 16 thuin tU hoet dong dich vu
41,'778
(6.467)
38,3I I
Quf lI.20l5 QUY tl.20l4I rtcu aong
- tr4)61( 12.995)
I I1,169
71
l' SI{BNgin hine l MCI' SAi Cdn - IIi NOi
34. l,ni/ 16 tirchimg khoin kinh doanh
Thu nhi-p tu mua bdn chring khoin kinh doanh
Chi phi ri mua bdn chung khodn kinh doanh
Du phang gidm gid chung khodn kinh doanh
L5i/ 16 lhuin til mua bin chri,ng khoin kinh doanh
35. Ldil16 tn chimg khodn dlu tu
l hu nhep tu mua biin chimg khorin diu tu
Chi phi giam giri chimg khodn ddu tu
Liil 16 thuitr tri mua bin chring khoin tliu tu
Quj II.20rs Quy II.20l4
4,628
(2,570)
t 1.92s
( r r,02 r.)
2,05t 904
Quj II.20l57 ri€u d6ne
398
(s2,243)
Quy II.20l1I rteu uttnq
t.5t9
(9 r.095)
(sr,84s) (89,575)
f) Li ti hodt da,ng kinh tloanh chting khodn diu ttt cht yiu lit do SHB trich ldp dn phing giimgid chting khodn rrong b)
25
r'' SI{BNprn hnnC'I MCP Sli Ct'n - lli Noi
36. LaV 16 thuin rnr ho?r dong kinh doanh ngo+i h6i
'l hu nhap dr hoqt dong kinh doanh ngoei
Chi phi hoat d6n8 kinh doanh nSoai h5i
Leil 16 lhuin rir ho?t dong kinh doanhhili
ngofr
QUY II.20l5 QUY II.20l,l
h6i
(40.60t)
61,940
(3l,9 rE)
rO,EE4 2t,022
)
\
I
I,
26
r' SHBNeen hane 'I MCP Sdi Gdn - ]In Noi
37. Chi phi hoat d6ng
Chi nop thu6 vi cric khonn phi, Ie phi
('hi phicho nhin vi€n
Chivi tai san
Chi cho ho?ldong quan lti c6ng v!Chi ndp phi bao hiam. bAo ddm tiin gui cua kh6ch
hang
Chr phi du phong (kh6nts I rnh chi phr du phdng rur ru
liD dung n6i v,r ngoai bdng: dU phdng grAm gi6 chtn8khodn)
( hi phi hoat d6ng khec
Quy II.20l57ri6u ding
Quy II.20l4
(1.237)
(201,902)
(88,8E7)
( r6,935)
(24.014.)
(3,471)
(4,004)
(r20.721)
(8?,357)
(5r,649)
(17. {)
( r. r96)
(578)
(342,478) (2r4,619)
\
,
21
r''SHBNgen hlnp TMCP Sii Gdn - llA Noi
38.'Iian va cic khoin iudng iludrg tidn
'I'iin miit vd cic khodn tuong duong tian tqi
Tidn gui taiNgAn hAng Nhd nuoc
l ian 8ui tar TCTD kh6c kh6ng ky han
I iin Bur lar cac lo chtc lin dung khdc (6 lhoigian drio h4n dLr6i 3 thring
l0/06/2015 3vt2/2014
1.093.686
2,571,7t7
5,504,648
I1,030,000
t0 t,43l3.346,049
s.677,664
18,800.000
20,200,051 24,625,146
\
I
28
r'SIIBNgin hAng'IMCP SaiCt'n- tIi Noi
19. Loei hinh vi gid tri tii sdn lh6 ch6p cia khdch heng
lii;udin?C'S lris6 sich
Tiiiu din.Gi6 trilriihli diam lAp bto crto
30/0620r 5 3Ut2n0t4 J0/06/2015 3Vtztzot4llir d6ns sin
Dong san
Chirng ln co giri'lr:isan khdc
1.759.072
19.981.097
t9.381.626
120.00 t.001
l0:.591, 1
17.53t.355
t5.116.t36
89.9 t4.572
,l.?59.072
19.9E3.097
r9.182.626
t20,00t.001
t02.594.1t1
l7.ir.t5iri.l36.l]689.9t4,572
29{,125,796 245)76,116 294,t25,796 245376,176
{0. Nghia ! nd ti6m in vi c:ic cam k6l drra ra
'Irong qud trinh hoat d6ng kinh doanh. Ngan hinS thuc hien crc cdng cu tdi chinh liin quan
Jir cJ( khoan rnuc ngoii bang ein doi kd rorin. Cii. c6ng cu ler chinh nii) chu yeu bao g6rn cau
carn kir bno linh ve thv lin dung. Crc c6ng cu nay cang t?o ra nhimg rui ro tin dung cho Ngan
hdng ngod; cdc .ui ro tin dung da duoc ghi nhan trong n6i bang.
Rii ro tin dun8 cia ciic c6ng cv tdi chinh ngoai biing duqc dinh nghia ld khd nang mang den rui
ro tin dung cho Ngan hang khi m6t trong cdc ben lidn quan d6n cong cy tai chinh d6 ki6ng thuc
hidn cdc diau khoan cua hqp ddng.
Ba,, lanh tai chinh lir cac cam ket co driu kren mii Ng;n hAng cip cho khdch hang de Bia,\ dich
v(ii ma, bCn lhf ba trong ciic hoirt d6ng ui bco liinh va1 !on. boo lanh rhanh loiin. bao l6nh thuc
hril h,.n dong va hao l;nh du lhau. Rui ro trn dung li6n quan d€n riic cip bdo ldnh vi co ban
gi6ng rui ro cho vay khiich hdng.
Ciao dich thu rin dung thuong m?i lra ngay la loai giao dich trong d6 Ngan hang cun8 cip tei
chinh cho kh6ch hang cua minh, th6ng thuong la nguoi murnha nhap kh;u hang ho6 ve ben thu
huong ld ngudi bdn/nhd xuit kh6u. R0i ro lin dung trong thu tin dung trd ngay thLrong thip do
hdng hoi nh{p khiu duoc ding d6 th6 chip cho loai giao dich nay
Ciao dich thu tin dung tri ch6m sE phiil srnh rui ro khi hgp dong de duoc rhuc hi€n md kh6ch
hdng kh6ng rhanh lo:in cho b€n thu huong. Cac thu tin dung rrli cham kh6ng duoc khdch hdng
thanh roiin Lluoc \tsan hang ghi nhdn Ia khodn cho ray bir buoc \a cnng no luong ing thi hiCn
nghia yu tdr chinh cua NBan hdng phni thanh todn cho ben thu huong vA lhtrc hiCn nghia vu ctaNBan heng lrong viCc bdo lSnh cho khdch hdng.
Ngen hang thucrng yCu ciu kh6ch hants kj qui di darn bao cho cdc cdnts cu lei chinh c6 lien
cluan din tin dung khi cin thi6r. (iid tri k); qu! dao d6ng tt 0% rJ6n l00yo gie lri cam kit d(oc cip.tir), lhuric vao rnLic d6 tin cay c[a khrich hAng do Ngan hdng ddnh gi6.
Chi tidl ciic khoiin c6ng no riim dn va cam lir ntsoai biing vao nga) l0 lhdng 06 nAm 2015
nhu sau
i
I
29
r'SIIBN8iir hitrg l MCP Sni Gi'tr lli Noi
30/06/20t 5
t.t(t t:lt'nt1
7,875.0t9s,968,084
7.017.005
t,534,682
3u t2t2u4
Bao lanh r)rchinhCaln k& bdo lanh khac'I hr lin dung ini cham
l hu lin dung tra ngay
t.940,659s,211,111
3.590.79?
1,t70.8t222,391,190 r3,913,685
41. Giao dich v6i c6c b6n li6n quan
Ciao djch voi cilc bdn lien quan la ciic giao dich dlrgc thlrc hiCn voi cilc b€n c6 lien quan voi
NSan hAnB. Ctic ben duqc coi la li€n quan n€u m6t bin co kha ndng ki€m so6t hoic c6 anh huimg
dang kd doi voi bdn kia trong viec rc quldt dinh ddi v6i cac chinh s6ch tai chinh va hoat dong. lMdt
bin dugi coi li) ben c6 liin quan roi Ng6n hirng ndu:
rd) lruc liephorc giin ti6pquamdthr) nhi6u bin trung gran-bdn nd1:
, LiCrn soor hoac bi kidm soet hoac chju su kiim soiit chung boi Ngan hen8 {bao gdm
circ c6ng ty me. c6n8ly con)l
' c6 v6n gop vdo Ngan hang va do ,lo co Anh huonts ddnts ki tdi Ntsan hang;
' c6 quyen ddng kidrn soat Ngan heng:
(b, Ilin lidn quan lir cong t) lien doanh. liCn let ma \gen hang la mol ben li€n doanh. li6n ket:
(c) ll€n lien quan c6 thinh vien li nhin su chinh lrong Ban Tdng Cidm d6c crla Ng6n hdng
hotrc c6ng 1y mc cira Ngan hang;
(d) tr6n li6n quan ld thanh vien m6t thr6t trong Bia dinh cua bir kj cd nhdn nao da nCu trong
d ienr (a) hoic (c):
(c) Ilin li6n quan ld mQt t6 chric truc ri6p hoec gian tidp chiu su kidm sotu. ddng lidm sodr
hoic ch iu dnh huong d6ng k6. hoac c6 quydn brdu qu1.dt boi bir kj,cri nhAn nio duoc di c6p d6n
trong diirn (c) holc (d).
I6m rit mtt s6 giao dich l6n vdiciic ben liCn quan rrong Quy I nrm20l5nhlrsauj
t0
SISIIBNgetr hntrg'I'MCP StiGdn IIA Noi
Clc siao dich d0ng'l'hu lir dich vu uy thdc dAu tu-l-hu
c6 rr?c lir cOnS ly lr€n quan'I hu liicho vav
Iiinr tit cec khoan phai thu phdi tra c6c bCn IiCn quan tai thdi diam 30 rhdng 06 nhm 2015 nhu sau:
'f(tn lil giao drch lon v6i cdc bdn li6n quan lrong Qui 2 nam 2015 nhu saul
t,3504t,784
Phdi thudingCic tliao dich
Phii trdd0ng
Cho va)
Ki qu! d6 kinh doanh chung kho6n
Uy thric dAu tu'I icn gui khdng kj'hgnlrcn Eul co hJ h?n
I)iu lu vio crc ben lien quan
Crlc khoin ddu tu tr6i phi6u
I-ai phii thu tir cho vay. UTDT. diu lu tnii p
Vdn gop cia ciic b€n lien quan
I'hai tra lai tian gui
Phiqudn lj phailrd
2.321.708
50 000
192.700
164.119
65r,591
9 t1,400
J,315,157
1.35t.002
9.307
9
2,92a,862
,12. Chinh sdch quin lf rti ro li6n quan d6n cdc c6ng cq tii chitrh
Muc 1i€u cia NgAn hdn8 ld t5i da h6a gid lri diu lu cua cd dong. Siri virng t6c dQ tang truong
Ioi nhuiin vi tinh hinh tdi chinh ldnh mqnh. Do vay. viCc su dung cic c6ng cu (di chinh. bao giim
nhin tiin gui cria khdch hang vd diu tu vdo ciic t,i :'iin rai chinh c6 ch;r lugng cao da tro thdnh
hoJr dong rrants rinh lhcn chot giup Ngan heng dal duoc mtc chenh lgch lii sudt cin thiir. Xit tLr
khiir canh quan If rui ro. diiu ni1 doi hoi Ngdn hdng l€t h\rn rnQl cdch ciin d6i giia ciic cam lilngoai barng (nhu bao lanh va thlr tin dung) voi cac khoan cho val lbing ddnS nor ti cing nhu
nSoai te) doi voi cric c6 nhan ve t6 ch&c thuoc ciic muc dd tin cey khiic nhau Bcn canh d6. Ngan
hin8 cing diu tu m6t phdn v6n luu ddng rio cdc chung khoiin diu tlr hay cho cac ngan hdng khiic
va) NhiinS nli ro li6n quan d6n trao d6i ntsoai te vA lhay doi lai suil duoc quen li lh6ng qua 6p
dung han mL'ic trang lh6i nhim han ch6 su tdJ, trung qua muc d6ng thoi lham 8ia vao ciic hoat d6ng
c6 tiic dung cin bing lin nhau dd Siam thieu rui ro l-hong qua vigc nim gr nhiiu di san Li cric
c6ng cu tai chinh c6 ch6t lugng cao, co ciu bdng c6n d5i kd toan hgp nh6t cta Ngan hnng c6 du
kh, nSng phdng ngira rii ro lrQng )'6u trong qud trinh hoat dong kinh doanh vA dam bao kha ntrnB
thanh khoen. Th€m vdo d6, Ngen hang cling tham gia vdo nhidu giao dich phdng ngira riri ro lien
quan tliin ciic c6ng cu tdi chinh nhu cec cam kdt ho6n ddi nSoai tC cho muc dich qu6n ly rrli ro lai
suiit.
<,\r!(
\si
e
il
I' SITBNgen hntrg 'I MCP Sni Cdn Iln Noi
T.ong quA lrinh quin li rni ro tin dung. Ngan hdng di si dung c(r hi€u qua Cam nang l in dung
1ron8 do ghi chi ti6t c6c chinh sech va thi tuc cho vay ciing nhu ciic huong dAn thuc hiin de chuan
h.,J cac hoal d(:,nt tin dunp (ua NBin hang Rui ro lhJnh khodn duoc h4n chi thdng qua r i€u nim
giir m6t s6 luqnS lon tiijn mAt va cac khoan luon8 duong licn duoi dang tAi khoJn Nostro, cac
khoan riin gLri co lj hqn lei \Uan hang Nha nuoc !a cdc t6 chrrc rin dung lhdc va cec gii) lo co
giii. (liic ti I€ an todn c6 tinh ddn ydu t6 rui ro c[ng dLroc su dung de quin li rui ro thanh khoen.
Ngan hdng thuong ti6n hinh denh gi6 chonh l6ch ldi :uzit. so sdnh vdi cdc rhi rruong trong nuoc ve
qudc t6 d6 c6 nhiing diau chinh kip thdi. ThCm vdo d6, viec dp dung ciic quy trinh quan ly rUi ro
nOi bd cing lro nen hreu qud hon nho viic tridn khai Ile thiln8 Quan ly V6n Tap trung vA HC lh6ng
lhanh loan I ep lrung. (hco do loen bri cde !iao dich v6n rd thanh toin cua Ng;n hing deu do Hi,i
so chinh thtrc hien. Viec d6 cho phdp Ngan hang giiim siit hiOu qua hon cec bi6n d6i !i !!-,n ra
eidm cdc \ai s6t co rha ri) r.r cirng nhLI nhirnB thu tuc nhuc rap Lhong can lhiil.
{3. Rrii ro tin dung
Rur ro tin dung la khd ntrng xay ra t6n that tronts hoat ddng ngan hang cua t6 chtc tln dung do
khrch h.lng khong thu'c hiQn hofc kh6ng c6 kha neng lhuc hien nghia vu cia minh theo cam kit.
Ng6n hdng ki6m soel va qu,n Ij rrii ro tin dyng bing ciich thiit l5p han rnvc thcnh ro6n tuong
img vdi mic dO rui ro ma ng6n hdng c6 the chSp nhan dugc d6i voi m6i khdch hanS ve dor vor mdr
linh vuc dia l1i, nganh ngh€.
NgAn hdng da lhi6t lap qu)'trinh soat xel chit luong rin dung cho phdp du bro s6m nhiing
thal diri vt tinh hinh rei chinh, kha nan8 tra no cUa cac bCn d6i tiic dlra lrCn cec )eu ro drnh rinh.
dinh lugng. llan muc lin dung d6i vdr m6i khach hing dugc thirlr l6p rh6ng qua vi6c sri dung hO
th6ng x6p hang tin dung, rrong d6 m6i khdch hants duoc x€p loai o m6r muc dQ ri ro. Mfc d6
rui ro na), c6 th6 duoc slra d6i. cAp nhal thudrg xuy6n.
11. R'ii ro thi truhg
44.1. Rtii n lni \uit
l hoi han dinh lai lai su6r thuc 16 ld thdi han cdn lai tinh ti, rhdi diam tap bno c6o lii chinhcho toi k! dinh lai lai suit gan nhit cna cec khodn mr:c rdi vin vd ngu6n v6n
Cric gia dinh vd driu kiCn sau duoc Ap dung trong phan tich rhdi h?n dinh lai lai su;r thuc te
cia crc di san vd c6ng no oua Ngian hdngl
^ Iiin mal. rdng bac d; quj: B6p \dn dau tu dei han\iciicdi san co khdc {bao gom tai
san c6 dinh, bit d6ng sdn diu tu vi tdj san co khiic. rru iy th6c diu ru) duoc \Cp loai
kh,,an muc Ihdnts bi dnh huong do dinh Iai lai "u;r;
i(0
rI
i2
r'SIIBNgffn hntrg 'I MCP Sei Cdn HiNoi
'I idn gui rai Ng6n hang Nha nu6c Vi€r Nam duo. c x6p lo?i tian glii thanh toan do d6 k,han drnh lai lar sLr6t thrrc td duoc xdp loai dtn mQr rhang:
Thoi han dinh lei lai su6t thlrc t6 cua chtnts khoiin dau tu va chung khLrdn kinh doanh
duoc rinh dua rren rhoi Bian dd,J han thlr( ti' tai lhai ,lidm l,ip bao ciio tai chinh cia
tiing loai chung khoiini
lhor han dinh lqi lAi :'ual lhq. t6 ui.j cac lhoen tiin gui ri eho rar cae 'lCID. e,ic
kho^n cho vay khech hang; cec khoan no chinh phu vd Ngan hang Nha nudc ViCt
Naml cdc [ho6n tien gii va vay c6c T6 chic tin dung vd khodn mlc tien gti cta khdch
hdng duoc xdc dinh nhu sau:
Ciic khoan muc co lai suit c6 dinh trong su5t thoi gian crla hgp d6ng: l hdi h4n dinh lai lai
suar lhuc le dua tren thdi gian d6o hin rhuc td tinh lLr lhoi diom lap bdo cao tiri chinh.
C:ic khoan mu( co lai suAr rha nii: Thoi han,linh lai lai sual rhlrc te cua cdc hop dong cho
va) c6 thoi gian deo hqn cdn tar dLroi 6lhdng duoc x6c dinh dua tr€n thoi gian ddo han cdn l?i;
ire hop d,ing co thoi Bian ddo han con lJi trdn o lhrng duoc \ip rio loei ru I lhdng d6n h lhents
do k) dinh lai I5i sual cua Ntsan hang roi da Ii o Ihang m6l l;n.
'fhdi han dinh la,i lai suit thgc 16 cua khoan muc ngu6n !6n rdi rro uy thdc ddu tu. cho
vay ma td chic tin dung chiu rui ro duoe tinh dua tren thoi gian dao han cdn lai cua
tirng hgp ddng;
l hdi hen dinh lai lii su6t cia ciic khoan ng khdc duoc x6p vro lhodn muc Lhong bi
anh huonS do dinh lai l)i \ual hoac kj hrn ltr I lhiints den 3 lhdnts. fronts rhuc le. cii.
Lhoan muc nii) co lhe co rhoi gian dinh lai lai su;t khcc nhau J
33
s
:
IE
E
q9
ElEls$=
;1
;1
:l.te
c
n;- e .ii a;qn 09
3l
il
$l
I
El
lili r"
lr14 ir r- !
!l^ql= FgtBt::1"1. i
ll-i3
2
;E
'gE
'5;i z!
--E E ts
.g
a
e;.E
-E!0,.a2ze
!;E: r' ini> F. ; ! '-..^ z, E
.E59 P4 -.iEi .-PE.:e ;i iiE:.- i?-e8.5tr a- 2-z:, r- -P.g';--" -:;-;€.i!; t:ae
Ie= E?,,iE3Ei s;yE?.iE dod" + E a a- a 9 E : : F a : A E E
i.E E,E -E IE: : t Z Z i7.t'Z-e iid.o 9 j
^ ;
=-Z a a -
z
,9
I
aFil
r(lSHBNgen hlng'tMCPS)' Gdn -Il) Noi
Rui rc tian t9
rhay d6i ve b- sia.
44.2. Rii to iAn ft
la rui ro me gi6 rri cua cac c6nts cu tai ch(nh bi thay d6i xu6t phat rii nhtn8
Ngan hanB duoc thanh lap vd hoal d6ng tai ViCt Nam v6i ddng tian bdo c6o ld VNO. D6nts
tian giao dich chinh cua Ngan hing c[ng td VND. Ciic khodn cho vay vd ung truoc kh6ch herng
(ua Ngin hdng chu 1€u bing VND. mgr phin bing USD vd I-UR. Tu) nhiCn. m6r \6 rei \dn
khic cua Ngan hdng lqi bing cric d6ng tiin khAc ngoai VND, IJSD vi EUR. NBen heng da dua
rr m,,l he lhong han muc di quin Ii lrang lhai cua cdc ddng tiin. Trang thiii dong riin duoc
quiin l-'- rrCn co so h,rng ngdy vd chien luoc phdng nBira rui ro duoc Ngan hdng st dun8 de dam
bjo ran! lr?ng lhdi cua cdc ddng trin dugc du1 lfl lrnng han muc da rhiet lap.
l5
EEi?;lal:a
1*',
N , - €l-EaA F5t {=-li.i €l=
I
I
is!="rala
ii
'='1i4!a 15
9
:6
4l
Iti
z
aYsrFrlg
z
5 SHBNgnn hnng r MCP Sai Gdn - lln Noi
44.3. Rii to lhonlt kltoin
Rlir ro thanh khoan la rni ro NBan hanS gap kh6 khln trong viec thuc hien nhii'ng nghiavu cho c?ic c6ng nq ldi chinh. Rii ro thanh khoan phirt sinh khi Ngan heng c6 th6 kh6ng dt khananS lhuc hien nBhla vu tre ng khi nhiing c6ng n(l ney den hqn <r nhnng rhoi diirr hinh thuonghodc kh6 khdn. DC gidm lhidu nri ro thanh khoan. n8an.hdn8 phai huy dQng tir nhieu ngudn da
dang khiic ngodi ngu6n v6n co ben cua ngan hang. D6ng thdi ngan hang can c6 chinh sdchquen l, tai san c6rinh thanh khoiin linh hoat, theo d6i ddngtien tuonS lai vetinhthanh khodn
han8 n8e). NSan heng cing c6n ddnh gii ddng tidn du ki€n vi kh, nanS sdn cd cua tii san dem
beo hi€n ti)i trong lruong hop can huy ddng them ngu6n v6n
lhoi gian deo hen cua cac lii Jn vd cong n,r lhi hien thoi Bian cdn lqt cia ldi \ijn !e c6ntno linh tir n8d) lap biio c6o tdi chinh ddn khi thanh toiin thco quy dinh trong hop d6ng h,J;c
lrong diiu khodn ph.it h:inh.
C6c gid dinh va diau kien sau dugc dp dung lronts phan lich thdi gian din han cua ciic tdisan va c6ng no cia Ngan heng:
' Tidn gui tqi Ngin hdng Nha nuoc Viil Nam duoc r6p loai tiin gui thanh toen. trong d6
bao gdm.tidn 8ni du rn bit bu6c. So du cua tiin gii du trl b6t buoc phu thuoc vao
thdnh phen ve ki han cua cac khodn tiCn 8ui khech han8 cua Ngan hdng;
thoi gian diio hirn cua chung lhoan Jiu tLr duoc linh dua lren nga) dau han cua lungloaichr:rng kho6n:
Chrrng khoin kinh doanh duoc rip rio ioni kj han d6n I lhdng.
'fht)i gian d6n han cua cec khoan tiin gui lii cho \a) cac [C I D va cau khoan cho vay
Lhdch hants Juoc xii! djnh du.r viro ngiy drin han cua hop dong qur dinh. lhdi gian rl6n
han thuc tC c6 the thay doi do cdc kie uoc cho vay dugc gia han. Ngoii ra, c6c khorin
cho vay khiich hang dugc th€ hien bang gid rri g6c kh6ng bao g6m du phdng rui ro;
. Thoi gian d6n han cua ciic khodn diu tLr gop r6n mua cu phiin duoc coi la hon m0t ndmdo cac khoen dau tu ney kh6ng ct) thdi gian d6o han xdc dinh;
' Cric khodn tiin grii, tidn vay c0a cac t6 chuc lin dunB va cac khodn tiin gui cr]a khdchhdng duoc xac dinh dua vdo tinh.chat cua cac khoan niy hoac thoi gian dao han lrdnhap d6ng. 'ldi khoiin Vostro vd li6n gui rhanh toiin duoc lhuc hien giao dich theo ,v€uc6u cria khiich hdng. ve do d6 t1uo. c x6p loai kh6ng ki han. Thdi. gian ddo han d6i.vdicec khoan vay va tien Bui ki han duoc xric dinh dua tr€n ngdy d€n hqn theo hgp ddng.'frong thlrc tC. ciic khoan nar] c6 th€ duoc quay vdng vd do d6 duy lri trong thoi gianddi hon thoi gian d6o han ban dau;
' 'l'hdi gran d6n han cia tai san c5 dinh duoc xdc dinh dua vio thdi gian sLi dung hiu ichcdn laicua tiisan.
31
4. d 6 001r- F- a a cr:ln 6- d €Fl
-: I
I
I
6ad,alc
?t..i 6a ct o c' +;.ilr:-.:..i ri c'i ; riLi- =- -E
I
F
AE
F
F
9q d
oF 6
:r:
o- q- 1 1-r 9o9
F
\It
r'E
I
II
z
a;EIFilg
z
r'iSHB\sen hntre TMCP Sni Gdn Ili :{0i
4s. i i cri MQT sO r,o^r NcoAI Tp vio Trrdr DrEM cuor euV
30/062015
YND3UtZt20t1
YND
USI)
IJI]R
CI}P
cl [:
JPY
SCD
AT]D
IIKD
CA I)
CNY
I,AK
xAU
Lip bidu
21.6'.73
24.i61
34.272
2t.4 t0
t'79
t6,2t8
16,162
2,8t4
11.s92
3,5 t',7
2.1122
3.442,000
21.246
26,026
33.367
2t,641
t79
t6.212
t1,547
2.76t
r8.471
3,45 t
2.1t22
1,5t3,000
Hit NQ4 ngity thdng ndn 2015
Ngu!6n'l'hi IIanh Hoa
K6 to6n
Ng6 Thi VAn
/.l4u*'/r,;n^.1%
T6ngCinm D6cU
i9