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101 SHB NGAN HANG THUONG MAI CO PHAN SAI GON - HA NO
77 Tran Hung Dao - Quan Hoan Kiem - Ha NOi Tel: 04.39423388 Fax: 04.39410942
Bao cio tai chinh ding le Quy I nam 2013
Min Q-Ola
TD - BANG CAN DOI KE TOAN
Chi Wen
A. TAI SAN
I Tien mat, yang bac, di quy
II Tien gal tai NHNN
III Tien, yang gvi tai cac TCTD khic va cho vay cac TCTD khic
1 Tien, yang gin tai cac TCTD khac
2 Cho vay cac TCTD khac
3 Du phong rui ro cho vay cac TCTD khac
IV Ch'ing khoin kinh doanh
1 Chimg khoan kinh doanh
2 Du phong giam gia chUng khoan kinh doanh
V Cic ding cy tai chinh phii sinh va cac tail sin di chinh khic
VI Cho vay khach hang
1 Cho vay khach hang
74 2 Du phong rai ro cho vay khach hang Chung khoan dal; tir
himg khoan dau to san sang de ban
Ong khoan dau tu giu den ngay dao han
phong giam gia cluing khoan dau to Op von, din tir dai han
Dau to vao ding ty con
2 V6n g6p lien doanh
3 Dau to vao dog ty lien ket
4 Dau to dai han khac
5 Du phong giam gia dau to dai han IX Tai san co dinh
1 Tai san c6 dinh ham hinh
a Nguyen gici TSCD hi u hinh
b Hao mon TSCD hau hinh
2 Tai san c6 dinh thud tai chinh
a Nguyen gici TSCD
b Hao mon TSCD
3 Tai san c6 dinh vo hinh
a Nguyen gia TSCD vo hinh
b Hao mon TSCD vo hinh
X Bat dang sin dim tt•
a Nguyen gia BDSDT
b Hao mon BDSDT
XI TM sin C6 kink
1 Cac khoan phai thu
2 Cac khoan lai, phi phai thu
3 Tai san thus TNDN hoan lai
4 Tai san Co khac
- Trong do: Lai the thzecmg mai
5 Cac khoan du phOng rid ro cho cac tai san CO n6i bang khac
TONG TAI SAN CO
Ma chi Thuyet tieu minh SS cuSi ky
Don vi tinh: VND
So dlu ram
110 15 734,631,508,914 484,875,646,566 120 16 3,878,040,692,195 3,031,869,478,896 130 17 18,937,133,598,491 2,624,498,120,631 131 17,445,212,508,491 20,758,858,280,631 132 1,512,420,000,000 8,890,044,000,000
139 (20,498,910,000) (24,404,160,000) 140
141
149
150 18 40,163,366,959 5,846,612,060 160 53,738,849,984,637 55,620,640,194,023 161 19 54,854,060,780,873 56,871,071,024,884 169 20 (1,115,210,796,236) (1,250,430,830,861) 170 21 10,564,215,680,154 12,549,275,940,349 171 7,097,867,775,981 8,268,595,920,125 172 3,475,166,710,589 4,290,543,803,540 179 (8,818,806,416) (9,863,783,316) 210 22 587,164,988,729 527,794,764,506 211 167,710,070,000 167,710,070,000 212
213
214 420,325,699,075 420,325,959,557 219 (870,780,346) (60,241,265,051) 220 3,862,297,931,561 4,117,387,267,420 221 23 379,182,536,701 392,745,384,728 222 684,341,669,832 679,142,188,737 223 (305,159,133,131) (286,396,804,009) 224
225
226
227 24 3,483,115,394,860 3,724,641,882,692 228 3,573,029,739,958 3,807,152,344,578 229 (89,914,345,098) (82,510,461,886) 240
241
241
250 25 11,564,457,597,424 9,982,866,452,601 251 2,110,480,802,693 1,513,211,519,859 252 4,665,866,830,226 4,461,258,546,259 253
254 4,588,109,964,505 4,017,568,345,878 255
259 (9,171,959,395) 300 103,706,955,349,064 115,945,054,477,052
HANG
N
Ke Toan Truirng
Ninh Th 'n Phirang
LAp bitu
(--;>
LE' Thcii Ha
Ha n6i, Ngay 0,11 thang (Ij nam 2013 TOng Giam Dec
TWANG cO'PHA * „ e SA! GON•HA NOI
44' _
e/Vpi,e'4;'-i 176z c.,Tei
• Chi tieu
B NO PHAI TRA VA VON CHU SO MAI
I Cac khoan nq Chinh phii va NHNN
II Tien girl WI vay dm cac TCTD kink
1 Tien giri dm cac TCTD khdc
2 Vay cac TCTD khac
HI Tien gui cua khlch hang IV CIc cling cy tai chinh phai sinh va cac khan nq tai chinh khac
✓ Von tai try', uy thac dAu fir, cho vay ma TCTD phai chit' riii ro
VI Phat hanh giiiy tIr ce gia
VII Cac khoan Nq khac
1 Cac khoan Ili, phi phai tra
2 Thue TNDN hart Ili phai tra
3 Cac khoan phai tra va c6ng nu( khdc
4 Dtr phOng riii ro khac
TOng Ny' phai tra
VIII VOn va cac guy'
1 VOn caa TCTD
a Van clri.0 le b Van dau 04. XDCB c Mang du van co phan d Co phi& guy e Co phieu uu dal
V....71/6n khac (";
OA
.1
ir
Q
u5 cia TCTD
/i&enh tech ty g id h6i doll
la.A■litenh Tech dlnh gil lai tai
san
x sAi ttii nhudn chua phar ph6i
4,
II Lqi ich cila co clang thitu se
ci PHAI TRA VA VON CHU SO HITU CAC CHI TIEU NGOAI BANG
I Nghia vy nq tiem An 1 Bao lanh vay von
2 Cam ket trong nghiep va L/C
3 Bao llnh khac
MA chi Thuyet tieu minh
SO cuOi kj, SO dliu nAm
310 26
320 11,275,771,312,180 21,777,251,159,172
321 27 9,508,071,312,180 15,505,603,159,172
322 1,767,700,000,000 6,271,648,000,000
330 28 78,511,075,475,511 77,679,865,564,949
340 18
350 29 423,399,018,137 385,245,424,157
360 2,171,682,722,982 4,370,388,535,054
370 1,666,103,821,354 2,284,441,414,078
371 1,357,091,477,629 1,944,545,894,786
372 645,209,784
373 30 269,203,605,229 298,437,357,540
379 30 39,808,738,496 40,812,951,968
400 94,048,032,350,164 106,497,192,097,410
500 31 9,658,922,998,900 9,447,862,379,642
410 8,962,251,608,400 8,962,251,608,400
411 8,865,795,470,000 8,865,795,470,000
412 413 101,715,710,000 101,715,710,000
414 (5,259,571,600) (5,259,571,600)
415 416 420 477,405,147,506 477,413,289,655
430 (34,196,160,592)
440
450 253,462,403,586 8,197,481,587
700 31
800 103,706,955,349,064 115,945,054,477,052
910 40 5,362,182,109,155 5,287,168,458,408
911 30,856,045,361 35,554,000,000
912 485,452,082,700 336,437,333,181
913 4,845,873,981,094 4,915,177,125,227
Quy I
Chi flail Ma chi dell Thuyet minh
Nam 2013
1 Thu nh4p tir iai va cac khoin thu nh4p Wang to
2 Chi phi lai va cac chi phi tuong to lai
I Thu nhap lai than
3 Thu nhap tir hoat dOng dich vu
4 Chi phi host do, ng dich vu
H Lai/I6 than tir hoat clang dich vu
III Lai/16 than tir hoat Ong kinh doanh ngoai hOi
IV Lai/16 than tir mua ban cluing khoin kinh doanh
V Lai/I6 thuin tir mua ban cluing khoin to
5 Thu nhap tir hoat di:mg khan
6 Chi phi hoat do, ng khan
VI Lai/I8 thuin tir hoat Tang khac
VII Thu nhap tir gap van, mua a phiin
VIII Chi phi hoat ding
IX
nhuan thuan tir hoat Ong kinh doanh &vac
chi phi di, phong riii ro tin dung
X Chi phi thy pining riii ro tin dung
XI T6ng lqi nhuan tru•c thug
7 Chi phi thug TNDN hi4'n hanh tam tinh
8 Chi phi thug TNDN hoan lai
XII Chi phi thug TNDN tam tinh
XIII Lqi nhuan sau thug
XIV Lqi ich ciia c6 dung thieu so
XV Lai CU ban tren co phieu
01 32 2,458,172,172,395
02 33 2,027,671,659,935
03 430,500,512,460
04 39,076,268,735
05 10,786,388,491
06 34 28,289,880,244
07 35 57,987,275,692
08 (4,321,828,860)
09 996,731,329
10 7,794,656,570
11 2,274,772,956
12 5,519,883,614
13 36 220,837,200
14 37 442,671,088,531
15 76,522,203,148
16 (141,208,829,718)
17 217,731,032,866
18 54,594,435,012
19 20 54,594,435,012
21 163,136,597,854
22
23
Lap bieu
Le Thai FM Ni Lan Phwo'ng
Ke toin Truirng4L
fill SHB NGAN HANG TMCP SAI GON - HA NOI
77 Tra'n Hung Dan - Qu;an Haan Kiem - Ha NOl
Tel: 04.39423388 Fax: 04.39410942 TD - BAO CAO KET QUA HO4iT DONG KINH DOANH - ()IA(
Bao coo tai chinh rang le
Quy I nam 2013
Mau Q-02a
Don vi tinh: VND
tir dau nam den cu6i QuY I
Nam 2013 Nam 2012 Nam 2012
2,422,880,871,880 2,458,172,172,395 2,422,880,871,880
1,855,677,868,372 2,027,671,659,935 1,855,677,868,372
567,203,003,508 430,500,512,460 567,203,003,508
72,248,412,470 39,076,268,735 72,248,412,470
5,396,097,827 10,786,388,491 5,396,097,827
66,852,314,643 28,289,880,244 66,852,314,643
11,944,629,571 57,987,275,692 11,944,629,571
(4,321,828,860)
4,440,882,486 996,731,329 4,440,882,486
275,398,794 7,794,656,570 275,398,794
530,205,717 2,274,772,956 530,205,717
(254,806,923) 5,519,883,614 (254,806,923)
960,290,200 220,837,200 960,290,200
287,750,318,966 442,671,088,531 287,750,318,966
363,395,994,519 76,522,203,148 363,395,994,519
68,633,097,752 (141,208,829,718) 68,633,097,752
294,762,896,767 217,731,032,866 294,762,896,767
74,627,909,366 54,594,435,012 74,627,909,366
74,627,909,366 54,594,435,012 74,627,909,366
220,134,987,401 163,136,597,854 220,134,987,401
gay 09 thong V5 nam 2013
Ong Giam d6c
G
THONG 41 CO PH
S111 GON HA NO!
cla
-0
SHB solid oartne, floxibiF
NGAN HANG TMCP SAI GON - HA NQI 77 Trait Hung Dao - Quail Haan Kiem - Ha NOi Tel: 04.39423388 Fax: 04.39410942
Boo cio tai chinh rieng le Quy I lam 2013
Mitt so: Q-03a
TD - BAO CAO LUU CHUYEN TIEN TE - PPTT - QUY
DVT• VND
L LU U CHUYEN TIEN Tir HOAT DQNG KINH DOANH
1 Thu nhan Lai va cac khoan thu nhap tuong to nhan &roc 01
2 Chi phi la; va cac chi phi ttrang hr da tra 02
3 Thu nhap tit hoat Ong dich vu nhan duoc 03 4 Chenh tech so tien thuc thu/thuc chi tir hoat Ong kinh doanh chimg 04
khodn, yang bac, ngoai to
5 Thu nhap ichac 05 6 Tien thu cac khoan no da dtroc )(it 1Y zoa, bit dap bang nguen du 06
phong rid ro N.
7 Tien chi tra cho nhan vien va hoat Ong quan ly, cong vu (*) 07 8 Tien awe thu nhap thuc nep tong kY (*) 08
Luu chuyen tien thuan tir hoat dOng kinh doanh truirc nhting 09 thay doii vi tai sin Ws win Itru dung
0 2 76.4',--- Alining thay deli vi tai san hoat d'fing -_____<-,,,
N H A N G -9 Tang)/Giam cac khoan ten, yang gin va cho vay cac TCTD !than 10
UI,I 06PHtill \ °:\ ang)/Giam cac khoan ve kinh doanh chimg khoan 11
N.V. Nal it , ang)/Giarn can ding cu tai chinh phai sinh vi cac tai san tai chinh 12 ,/,Q,.. lac
4'-z-„,i; (rang)/Giam cac khoin cho vay khach hang 13 '' ;,..‘_-_:-...,.....,.". (Tang)/Giam nguen du phong de bit dap ton that cac Ichoan (tin
13 14 dung, chimg khoan, du to dai han)
14 (Tang)/Giam khan ve tai sin hog Ong 15 Nhikng thay d6i vi cong na hoat &Ong
15 Tang/(Giam) cac khoin no Chinh phi' va NI-INN 16 16 Tang/(Giam) cac khoan tien giti, tien vay cac TCTD 17 17 Tang/(Giam) tien giti cua Ichach hang (bao gOm ca KBNN) 18
Tang/(Giam)phat hanh giay ter c6 gid (ngoai trir giiy to c6 gia phat
18 19 hanh dirge tinh vao hoar Ong tai chinh)
Tang/(Giam) von tai to, uy thac du ttr, cho vay ma TCTD chtu rill
19 20 ro
2,145,672,194,312
(2,618,311,242,955)
28,289,880,244
53,617,201,261
5,284,570,533
130,334,320
(416,326,272,796) (211,802,431)
(801,855,137,512)
10,586,643,197,893
2,047,149,582,501
(34,316,754,899)
2,017,010,244,011
(122,604,338,284)
(10,501,479,846,992)
831,209,910,562
(2,198,705,812,072)
38,153,593,980
1,998,679,080,041
(1,574,886,719,679)
66,852,314,643
14,657,007,557
(416,506,823)
161,699,900
(275,013,310,473)
(95,633,676,705)
134,399,888,461
(4,595,552,299,403)
1,929,373,276,361
883,785,925
(2,399,128,173,348)
(244,029,594,875)
(1,784,953,736,805)
4,202,785,671,575
7,087,148,844,069
(6,576,660,216,507)
8,835,420,000
Tang/(Giam) cac cong cu tai chinh phai sinh vi cac Ichoan no tai 20 chinh khic 21
21 Tang/(Giam) khac ve ding no hoat Ong 22 (979,961,420,070) (27,766,410,474) 22 Chi tir cac guy cita TCTD (*) 23 -
Ltru chuyen den thuin tir hoit dOng kinh doanh 24 881,243,219,118 (2,264,663,545,021) H LIEU CHUYEN TIEN Tit HOAT BONG RAU Tif
1 Mua situ tai san co dinh 25 (29,733,678,266) (26,946,343,440) 2 Tien thu tir thanh ly, nhinmg ban TSCD 26 3 Tien chi tir thanh ly, nhugng bin TSCD (*) 27 4 Mua sam bat Ong san du ttr (*) 28 5 Tien thu tir ban, thanh ly bat Ong sin dau ttr 29 6 Tien chi ra do ban, thanh ly bat Ong sin Mu ttr (*) 30 7 Tien chi Mu ttr, gap von vao cac don vi kit& 31 260,482 8 Tien thu Mu tu, g6p von vao cac don vi Ichac 32
9 Tien thu co tire va loi nhuan &roc chia tir cac khoan du tu, gap von 33 dai han 220,837,200 956,336,200
Ltru chuyen tien thuin tir hoat di:mg Mu hr 34 (29,512,580,584) (25,990,007,240) HI LU'U CHUYEN TIEN TU. HOAT BONG TAI CHINH
29
'Ding Giam dtic
11Ju CO PhA^,
SA1 GON.flA
geeyht 17thi
I Tang von c6 phan tit g6p von va/hoac phat hanh c6 phieu 35 2 Tien thu tii phat Minh gi'Ay ta• Co gia dai han co MI dieu kin tinh vio 36 :
von At co va cac khoan von vay dai han khac 3 Tien chi thanh loan giAy 'Ur c6 gia dai han c6 d6 dieu kien tinh vao 37
von ttr co va cac khoin von vay dai han khac 4 Co Mc tra cho c6' dung, 1 i nhuan da chia (*) 5 Tien chi ra mua c6 phieu ngdn qu-y (*) 6 Tien thu &roc do ban c6 phieu neat quy
Lau chuyen tien thuln tir host dOng tai chinh
IV Ltru chuyen tien thuAn trong ky
V Tien va cac khoin twang throng tien tai the.' diem ky
VI Dieu chinh inh htgmg cila thay gii
VII Tien vi cac khofin Mang 'throng tien tai th&i diem cull ky
1.4p bieu Ala town trirern9V
.14vj
Le Thai Hti Ninh ml Lan Phlegm
,11
38 (294,988,100) (1,290,130,400) 39 40
41 (294,988,100) (1,290,130,400)
42 851,435,650,434 (2,291,943,682,661)
43 11,665,810,449,716 2%013,338,515,106
44
45 12,517,246,100,150 17,721,394,832,445
Ha nOi, ngay thcing nam 2013
31 2
THUYET MINH BAO CAO TAI CHINH RIENG LE Cho Qui, I ncim 2013
Bil SHB Sol. partners, IlexIde solulson•
Ngfin hang TMCP Sal Gen — Ha NOi
THUYET MINH BAO CAO TAI CHiNH RIENG LE Quj, I nam 2013
1. Thong tin ve ngfin hang
Giay phi') hot &Ong 0041-NH/GP ngay 13 thang 11 nam 1993 Giay phep hog dOng do Ngan hang Nha nuot Viet Nam cap Thai han hog dOng cria Ngan hang la 40 nam Ice tir ngay cap giAy phdp dAu tien.
HOi dling Quail tri
Ong Do Quang Hien Ong Nguyen Van Le
Ong TrAn Ngoc Linh
Ong Pham HOng Thai
Ong Pham Ngoc Tuan
Ba Dam Ngoc Bich Ong Le Quang Thung
Ban kiem soat
Ong Pham Hoa Binh
Ong Nguyen Hilu Dire
Ba Hoang Thi Minh
Ong Bui Thanh Tam
Ban 'Ding Giam dOc
Ong Nguyen Van Le Ong Dang Trung Dang
Ong Dal Tin Nghi
Ong Le Dang Khoa
Nguyen Huy Tai
NO Thu Ha
Ninh Thi Lan Phuong
Bang T6 Loan
Chu tich vien
Uy vien
Uy vien
Uy vien
Uy vien Thanh vien dOc lap
Truing ban
Pho truang ban
Thanh vien
Thanh vien
'Ring Giam dec Ph6 T6ng Giam dOc
Pho TOng Giam d6c
Pho TOng Giam dOc
Pho TOng Giam dOc
Ph6 TOng Giam dOc
Pho TOng Giam dec kiem Ke toan Throng
Pho TOng Giam d6c
Tai bO nhiem ngay 05 thang 5 nam 2012 Tai b6 nhiem ngay 05 thang 5 nam 2012
Tai b6 nhiem ngay 05 thang 5 nam 2012
Bo nhiem ngay 05 thang 5 nam 2012
BO nhiem ngay 05 thang 05 nam 2012
BO nhiem ngay 05 thang 05 nam 2012 BO nhiem ngay 05 thang 05 nam 2012
Tai b6 nhiem ngay 05 thang 05 nam 2012
Tai b6 nhiem ngay 05 thang 05 nam 2012
BO nhiem ngay 05 thang 05 nam 2012
Tai 1)13 nhiem ngay 05 thang 5 nam 2012
Tai b6 nhiem ngay 21 thang 5 nam 2010 B6 nhiem ngay 01 thang 9 nam 2006
BO nhiem ngay 05 thing 6 nam 2007
BO nhiem ngay 10 thang 4 nam 2009
BO nhiem ngay 18 thang 02 nam 2013
B6 nhiem ngay 15 thang 3 nam 2011
BO nhiem ngay 08 thang 06 nam 2012
BO nhiem ngay 09 thang 10 nam 2012
Try so. chinh
S6 77 - TrAn Hung Dao - Q.Hoan Kiem - TP.Ha NOi - Viet Nam
Bil SHB Ngin hang TMCP Sai Gem — HA Nei
2. Bac dam hoyt clang cfia to char tin dyng
Ngan hang Thong mai Co phan Sai Gan - Ha Nei (dual day g9i tat la "Ngan hang") la met ngan hang thuang mai co phan Viet Nam thanh lap tai nuot COng hoa Xa }lei Chu nghTa Viet Nam voi th&i gian hoat tong la 40 nam theo 0041-NH/GP ngay 13 thong 11 nam 1993 dm Ngan hang Nha mac Viet Nam. Yen dieu le cila Ngan hang tai ngay 31/03/2013 la 8,865,795,470,000 deng (Tam nghin tam tram sau muai lam ty bay tram chin lam trieu ben tram bay muui nghin tieing).
HOi so chinh cua Ngan hang dat tai S8 77 - Trail Hung Dao - Q.Hoan Kiem - Ha Nei - Viet Nam.
Tai ngay 31/03/2013, Ngan hang c6 4.382 nhan vien (Dau nam 2013: 4.463 nhan vien) .
3. Tem tit cac chinh sfich ke toan chfi yeu
Chun mire va the da ke town ap dyng
Ngan hang trinh bay cac bao cao tai chinh bang deng Viet Nam (VND) theo Luat cac Te chirc Tin dung, Luat scra d6i va be sung met se dieu trong Luat cac To chuc Tin dung, cac chuan mitre ke
toan Viet Nam va He thong Ke toan cac te chirc tin dung Viet Nam.
KY bfio cao va don vi tan t§
KY bao cao cua Ngan hang bat dau tir ngay 01/01/2013 va ket thfic vao ngay 31/03/2013. Don
vi tien te sir dung trong ghi chep ke toan la dery Viet Nam (VND).
4. Nguyen tic ghi nhan cac nghifip vy bang ngoyi tg va quy doi
Theo he thong ke toan cua Ngan hang, tat ca cac nghiep vy phat sinh cua Ngan hang dugc hach toan theo nguyen te. Tai thOi diem cuei nam, tai san va cong nq c6 nguen gee ngoai to duqc quy 'lei sang VND theo ty gia quy dinh vao ngay lap bang can dei ke toan. Cac khoan thu nhap va chi phi bang ngoai to cua Ngan hang duqc hach toan bang VND theo ty gia vao ngay phat sinh th8ng qua giao dich mua ban ngoai te. Ch'enh Lech ty gia do danh gia lai cac tai khoan kinh doanh ngoai te
duqc hach toan vao bao cao Ket qua Hoat dOng Kinh doanh va lqi nhuan a lai. Chenh Lech tY gia
phat sinh do quy doi cac tai san va tong nq khac bang ngoai te sang VND dugc xir ly vao doanh st, cua cac khoan muc tuangfmg teen bang can dei k'e toan vao ngay lap bao cao tai chinh.
5. Chung khofin dau tir gilt den ngay dfio hyn
ChUng khoan nq gift den ngay dao han IA cac chi:mg khoan c6 ky han ce dinh va cac khoan thanh toan ce dinh hoac co the xac dinh duqc va Ban Tong Giam d6c coy dinh va CO kha nang gift den ngay dao han. Ngan hang dang ghi nhan cac chimg khoan nay theo gia gee tong lai du thu nix lai eh& phan be. Gia tri phu trei hoac chi& khau (neu co) ding duqc phan anh vao gia tri ghi se cila khoan dau tu. Lai duqc du thu hoac phan be theo phucmg phap dung thang. Chung khoan duqc girt den khi dao han se duqc xem xet ve kha nang giam gia. ChUng khoan duqc lap du phong giam gia khi gia tri thi truOng nho han gia tri ghi se. Du phong giam gia dugc ghi nhan vao bao cao ket
qua hoat deng kinh doanh.
lig SHB Ngan hang TMCP Sal Gen —Hit NOi
6. Ch'ing khoin dim to sin sang a ban
ChUng khoan dau to san sang a ban la cac chfrng khoan dugc gia trong thai gian khong an
dinh truac, c6 the dugc ban a dap Ung nhu eau thanh khoan hoac de ling 06 vai truing hop thay
dai lai suit, ti gia, hoac gia tri chi:mg khan. Ngan hang dang ghi nhan cac chfrng khoan nay theo
gia gac Ong lai du thu tru !Ai chi phan bo. Gia tri phu trai hoac chi& khau (neu ca) cilng dugc
phan anh vao gia tri ghi so cua khoan dau Pr. Lai dugc du thu hoac phan bo theo phuang phap
clueing thing. Cac chimg khoan nay dirge dinh gia dinh kj, theo gia tri thi tnrang va du phong giam
gia tri se dugc lap khi gia tri thi truing nh6 han gia tri ghi so. Du phang giam gia dugc ghi nhan
vao bao cao ket qua hog dang kinh doanh.
7. Chfrng khoin kinh doanh
Chting khoan kinh doanh la chUng khoan ban dau dugc mua va nim gift cho muc dich kinh
doanh trong ngin han hoac nett Ban Tang Giam dac guy& dinh nhu vay. Ngan hang dang ghi nhan
cac chang khoan nay theo gia gac vao ngay giao dich. Trong cac ky tier) theo, cac chang khan tier,
tuc dugc ghi nhan theo gia g6c. Tuy nhien, gia tri thi truing cua cac chfrng khan van dirge Ngan
hang theo doi de dinh gia ve khi nang giam gia khi gia tri thi twang thip han gia g6c. Ngoai trir
truing hgp khong the xac dinh gia tri thi truang mat each chic chin thi gia tri cua eking dugc tinh
dui tren nguyen gia sau khi trir di tan that trarc tinh (nen co). Lai hoac 16 tir kinh doanh chang
khan dugc ghi nhan tren bao cao ket qua hog clang kinh doanh theo so thuan.
8. Cac khan cho vay
Cac khoan cho vay ngin han c6 kS, han dual 1 nam; cac khoan cho vay va cho thue tai chinh
trung han c6 kji han tir I nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han co k
han tren 5 nam ke -Ur ngay giai ngan.
Viec phan log no va lap du phong rui ro tin dung dugc thuc hien theo Quyet dinh so
493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quy6t dinh s6 18/2007/QD-NHNN ngay 25
tang 4 nam 2007 dm Th6ng d6c Ngan hang Nha ntrac Vi't Nam. Cac khan cho vay dugc phan
thanh nam nhom ng can cir vao tinh hinh tra ng va cac yeti t6 dinh tinh nhu sau:
Mom 1: Na di tieu chudn
• Cac khoan ng trong han ma Ngan hang dinh gia la c6 du khi nang thu hoi day dii ca
g6c va lai dung thai han;
• Cac khoan ng qua hp dual 10 ngay va Ngan hang dinh gia la co khi nang thu hai
day du gac va lai bi qua han va thu hoi day du gee va iai dung that han can lai;
Nhom 2: Ncy can chit ji
• C.Ac khoan nn Una han fir 10 nay ciAn 90 ngav:
11 SHB Solid partners. toexiole sohnion•
Nein hang TMCP Sal Gen — Ha NOi
• Cac khoan no dieu chinh ky han tra no Ian dau;
• Cac khoan nq co cau lai thiyi han tra ng trong han theo thai han &rot co cau
Nhom 3: Na dual lieu chuan
• Cac khoan ng qua han tir 91 den 180 ngay;
• Cac khoan nq co cau lai thiri han tra nq lan dau, trir cac khoan ng dieu chinh ky han tra
ng Ian dau phan loaf vao nhom 2;
• Cac khoan no dugc mien home giam lai do khach hang khong dit kha nang tra lai day at
theo hop long tin dung;
Nhom 4• Nq nghi nger
• Cac khoan ng qua han tir 181 den 360 ngay;
• Cac khoan ng co cau lai thii han tra ng lan dau qua han duai 90 ngay theo that han
tra nq dugc co cau lai Ian dau;
• Cac khoan ng co. cau lai thai han tra nq Ian thir hai;
Nhom 5: ATq c6 kith nang mat van
• Cac khoan nq qua han trail 360 ngay;
• Cac khoan nq co cau lai thiYi han tra nq lan dau qua han tir 90 ngay tra len theo thOi
han tra nq dugc co cau lai Ian dau;
• Cdc khoan nq co cau lai thiyi han tra nq !An thin hai qua han theo thOi han tra nq
dugc co cau lai iAn thir hai;
• Cac khoan nq co au lai thii han tra nq Ian thir ba tra len, ke ca chua bi qua hp
hoc da qua hp;
• Cac khoan nq khoanh, nq chi xir ly;
Theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thing 4 am 2005 va Quyet dinh s6
18/2007/QD-NHNN ngay 25 thang 4 nam 2007, d6i vii cac khoan nq qua hp, t6 chirc tin dung
phan loai lai vao nhom ng co rui ro thap hoe khi Ngan hang dinh gia la có du kha nang thu heoi day
dit ca gac va lai; va khach hang có tai lieu, 116 so chirng minh cac nguyen nhan lam khoan ng nay
qua han dugc xir 1Y, khac phoc. Ngan hang chit do, ng to quyet dinh phan lo4i cac khoan ng vao cac
nhom ng ruf ro cao hoe tuong irng vai mire do, ruf ro khi xay ra mot trong cac truing hop sau day:
• Khi có nhang then Men bat lgi tir tic dOng tieu clic den mai truerng kinh doanh va
linh voc kinh doanh;
• Cac chi tieu tai chinh cita khach hang hoc kha nang tra nq cum khach hang bi suy giam;
• Khach hang khong cung cap cho Ngan hang cac thong tin tai chinh kip thOi, day du
va chinh xac Ngan hang dinh gia kha nang tra nq cua khach hang.
MSHB Nein hang TMCP Sal Gon — Ha NOi
Dy phong riii ro tin dyng: Viec tinh dg ph6ng cg the dugc can cu tren cac ty le ap dung cho
tirng nhom ng nhu sau:
1 Nq di tieu chuan 0%
2 Nq can chi y 5%
3 Nq dual tieu chudn 20%
4 Nq nghi ngir 50%
5 Ng c6 kha nang mat von 100%
9. Tii san co dinh
Tai san c6 dinh dirge the hien theo nguyen gia tri di khdu hao luy ke. Nguyen gia bao gem
toan be cac chi phi ma Ngan hang phai b6 ra c6 dugc tai san c6 dinh tinh den thai diem dua tai
san do vao trang thai sari sang sir dung. Tai san ca dinh dugc tinh khdu hao theo phuong phap
duong thing trir clan nguyen gia tai san trong suit thai gian hire citing ink tinh nhu sau:
- Nha cia, vat kien trim 10 - 25 nam
- May mac, thiet bi
03 - 05 nam
- Phucmg tien van tai
06 - 10 nam
- Dgng cg quan 1y va phan mem tin h9c
03 - 08 nam
Quyen sir dung ddt dugc khdu hao theo phuong phap duang thing phi hop vii Gidy ching
nhan quyen sir dung dat. Quyen sir dung ddt vo theri han dugc ghi nhan theo gia g6c va khong tinh
khdu hao.
10. Tien va cac khoin twang dining tien
Tien va cac khoan tuong dung tien bao gam tien mat, yang, di quY, tien giri thanh toan tai
NHNN, tin phieu Chinh phi va cac co gia ngin han du dieu kien chiet khdu vai NHNN, cac
khoan tien giri thanh toan va tien giri, cho vay tai cac to chic tin dung khde co thai han dao han
kh6ng qua 3 thing ke tir ngay giri.
11. Cac cong cu tai chinh phii sinh
Cac ding cu tai chinh phai sinh dugc ghi nhan tren bang can d6i Ice toan theo gia tri hop ding
vao ngay giao dich, va sau do dirge dinh gia lai theo gia tri hgp ly. Lai nhuan hoac 18 khi cac ding
Cu tai chinh phai sinh dirge thirc hien dugc ghi nhan trong bao cao ket qua h9at deng kinh doanh.
Lgi nhuan hoac 18 chua thirc hien dirge ghi nhan vac, khoan mgc chenh lech dinh gia lai cac cong
fib SHB Sol. pa rtnen.11.(1131.. soNnIons
Ngan hang TMCP Sai Gan - Ha NOi
cu tai chinh phai sinh tren bang can dEii ke toan va dtrqc lc& chuyen vao kat qua hoat Ong kinh
doanh vao th6i diem cue3i nam.
12. Ghi nhan thu nh4p/ chi phi tai
Ngan hang ghi nhan thu nhap tir tai va chi phi lai tren bao cao kat qua hoat dOng kinh doanh
tren co sa du thu, du chi.
13. Ghi nh4n thu nh4p tir phi Ira hoa hang dich vu
Ngan hang thu phi tir cac dich vu cung cap cho khach hang. Thu nhap tir phi c6 the chia thanh
cac nh6m sau:
• Phi thu tir viec cung cap dich vu trong mat theri gian nhat Binh: Phi thu viec
cung cap dich vu trong mot thai gian nhat dinh duqc du thu trong su6t theri gian do. Phi nay
bao Om phi quan ly, phi nhan uy thac, hoa hiing va the phi lien quan dan cap tin dung,
quan 1S/ tai san, phi quan ly danh lupe va cac chi phi quan ly ding nhu phi to van khac.
• Phi thu tir vifc cung cap dich vu giao dich: Phi Oat sinh tir viec dam phan va tham
gia dam phan cac giao dich cho mot ben thin ba, vi du nhu dan xap viec mua c6' phan hoac
cac loaf chimg khoan khac hoac mua 10 doanh nghiep , duqc ghi nhan khi hoan tAt giao
dich lien quan. Phi hoac mot phan cua khoan phi nay co lien quan dan viec thirc hien mot
c6ng viec nhat dinh se dtrqc ghi nhan khi hoan tAt dieu kien tuong irng.
i i (61,014,203,970):
(93,491,256,962)1
(154,505,460,932)1
(93,816,967,100,302)
(231,065,249,862)
(94,048,032,350,164)1
BASH 13. Ngin hang TMCP Sal Gen — HA NiI
14. Thong tin ha° cao bo phlan
- Thong tin bio cao bO plfa'n theo linh yip kinh doanh
Tin dung ;1 Dnu tu.
Kink doanh vet tl
huy (ging von
Don vi: VND
Ting Ong
Cho giai dogn tie ngety 1 thing 01 den nggy 31 thcing 03 nom 2013
1. Doanh thu truc tied '
1,650,700,832,148 ; T
23,086,103,345 6,207,574,722,446
Tai ngety 31 thong 03 nom 2013
1. Tit sin ht, phin
2. Tai san phin
Tong tai sin
1. Ng phai tra b0. phin
2. Ng phin 66'
ITOng cling my
523,000,814,038
4,010,786,972,915
11
1_
57 397 145 154 991 , , , 15,716,348,017,602
3,199,246,775,648 : 52,253,240,277
15,768,601,257,879 I r
1,146,200,109,294
24,328,049,764,400 ; T
60,596,391,930,639
(145,582,015,551);
(100,082,575,134)1 I
(245,664,590,685)1 I
(1,634,646,907)1
(1,634,646,907)!
(93,610,370,880,781) .
(35,856,770,859). .
(93,646,227,651,641)11
23,181,849,655,106, 25,364,170,000 14
2,988,548,226,146
3,013,912,396,146
96,320,706,997,699
7,386,248,351,365
103,706,955,349,064
7
SHB Solid pennon, flexible soluliene
Ngfin hang TMCP Sai Gen — Ha NOi
- Thong tin bao cao bO plf4n theo khu virc dia 1ST:
Chi tieu CN Nen ngoai Mien Bic
Trong ntrirc
Mien Trung Mien Nam
D077 Vi: VND
TOng cong
Thu nh4p iai thu'In 25,837,582,696 185,290,846,619 81,437,119,056 137,934,964,089 430,500,512,460
Lai/ 18 thuAn tir hog &Ong dich vu 1,433,495,790 17,799,202,542 1,180,203,218 7,876,978,694 28,289,880,244
Lai/ 18 thu'An tir mua ban chimg khoan kinh doanh (4,321,828,860) (4,321,828,860)
Lai/ 18 thu'in tir hog do, ng kinh doanh ngoai h6i (3,740,249,784) 57,647,216,281 209,327,448 3,870,981,747 57,987,275,692
Lai/18 thuAn tir mua ban chUng khoin du to 996,731,329 996,731,329
Lai/18 thuin hr hog dOng khac 42,152 5,131,913,534 23,792,417 364,135,511 5,519,883,614
Thu nh4p tir Op von, mua c6 phAn 220,837,200 220,837,200
Chi phi hog dOng (10,523,864,915) (317,596,561,637) (34,581,889,528) (79,968,772,451) (442,671,088,531)
Loi nhu4n than tir boat do, ng kinh doanh truk chi phi dg phong riii ro tin dung
13,007,005,939 (54,831,642,992) 48,268,552,611 70,078,287,590 76,522,203,148
Chi phi du phong nil ro tin dung (8,069,309,023) 187,456,279,493 (18,492,097,895) (19,686,042,857) 141,208,829,718
TOng lqi nhtfan truk thue 4,937,696,916 132,624,636,501 29,776,454,716 50,392,244,733 217,731,032,866
8
SHB Solid Mr• -, Ilemble odulans
Ngan hang TMCP Sai Gan — Ha Ni
15. Tien mit, vang bac, di quy
1 31/03/2013 31/12/2012.
I VND VND I
Tien mat bang VND 375,040,749,0931 256,757,313,480!
Tien mat bang ngoai t 296,847,348,9891 224,360,190,2621 H- ! [Kim loai qt*, da citt5/ 62,743,410,832 I 3,758,142824:
734,631,508,9141 484,875,646,566
L
16. Tien gin ti Ngfin hang Nha ntroffc
31/12/2012
VND
31/03/2013
VND
Tien giri thanh town tai Ngan hang Nha ntrac 3,878,040,692,1951 : I !Tien gai phong tee (nu co) , -]
. 1.-
1Tien gai khac -I
_ 3,878,040,692,195! 3,031,869,478,896
17. Tien, yang gull tai va cho vay cic to chin tin dung khfic
31/03/2013
VND
31/12/2012
VND
3,031,869,478,896
ten, yang girl khong ky hgn
- Bang VND
- Bang ngoai t.", yang
Tian, yang girl có kj, hgn
- Bang VND
1 - Bang ngoai t.1 , yang
iCho vay
- Bang VND
- Bang ngoal yang
3,048,414,819,64111
977,770,318,7041[1
2,070,644,500,937 I 1 L-
14,396,797,688,85011
13,315,137,064,530i I
1,081,660,624,320 -----
1,512,420,000,0001
1,200,000,000,000
312,420,000,000i
1,116,473,324,150
979,950,354,472
136,522,969,6781
19,642,384,956,481
18,636,242,066,481
1,006,142,890,000
8,890,044,000,000.
7,350,000,000,000
1,540,044,000,0001
18,957,632,508,4911 29,648,902,280,631
B1 SHB Ngfin hang TMCP Sai Gen — Ha Ni
18. Cfic tong c tai chinh phai sinh vi cac tai sin tai chinh khfic
Tong gici tri clia hopH Tong gra trt ght so ke tarn
(Theotii giet tot ngay 1019 hew ccio) dcing (theo If, gia ngayIl
hieu lix Op dong)I1 Tai .5.6111 , I
I , Cong no.1
TO ngay 31 thing 03 nam 2013
Cong cy TC phai sinh tan a , 5,617,508,235,442 40,163,366,959 J ;Giao dich kY han tin to i
— 1,866,923,675,442 11,542,408,759 -
Giao dich hoan di ky han 3,750,584,560,000, 28,620,958,200
ITO ngay 31 thang 12 nam 2012
C'ong cy TC pluii sinh tan a 1,710,623,497,800 5,846,612,060 L
Giao dich ky han tier' te 913,539,370,00011 1
3,263,769,995' 1 -1
Giao dich hoan doi ky han 797,084,127,800' 2,582,842,0651
19. Cho vay khach hang
31/03/20131
VND
31/12/2012'
VND,
Cho vay cac to chirc kinh te, ca nhan tong
Cho vay chit khan thucmg phieu va cac gia)/
Ito co gia
I Cho thue tai chinh
I Cac khoan tra thay khach hang
Cho vaybngvntàitrci, üythác dau ttr
Cho vay di vâi cac to chirc, cá nhan nuOt
ngoai 1
Cho vay lchac
1Nq cho vay dirge khoanh va nq chir ?dr 1y
51,819,491,221,022
1,244,758,261,581
1,308,432,051
72,538,891,0661
1,696,091,68 1,524
19,872,293,627
54,890,364,332,868
985,650,393,3401
582,245,331
74,572,331,345;
897,889,799,384
22,011,922,6161
54,854,060,780,8731 56,871,071,024,884
SHB SOW perInegs. Olea■det solubane
Nan hang TMCP Sal Con — Ha Ni
19.1. Phan tich chat ltrqng ncr cho vay
31/03/2013
VND
31/12/2012
VND
1Ng du tieu chuAn
INg can chu
iNg duoi tieu chtfan
1Ng nghi nger
INg co Icha nang mat von
L
44,898,809,961,080
5,200,737,040,062'
561,233,082,9301
1,515,417,870,074 1
2,677,862,826,727
54,854,060,780,873,
47,411,613,614,064
4,613,611,974,996
1,053,445,014,484
1,724,926,789 777'
2,067,473,631,563
56,871,071,024,884
31/03/20131
VNDI
29,147,770,756,598
13,385,298,555,937 1
12,320,991,468,338
31/12/2012
VND I 1
32,390,613,057,711
12,539,223,509,333
11,941,234,457,840
19.2. Phan tich dir nq theo thoi gian
1
1Ng ngin han
1Ng trung han
N.cr dai han
54,854,060,780,873 56,871,071,024,8841
19.3. Phan tich du nq cho vay theo di tuqng khich hang Nit loai hinh doanh nghib
31/03/2013
tri4u VND ..
%
31/12/2012
tri0 VNI)
1 i , %
Cho vay oic TCKT
Doanh nghiep Nha nu& trung ucrng
Doanh nghiep Nha ntrac dia phtrang
Clang ty TNHHNha nuerc
Clang ty TNEEFI tu nhan
Cong ty cO phan Nha nuac
Gong ty ce phen Ichac
Gang ty hgp danh - Doanh nghiep tu nhan
Doanh nghiep c6 vOrt dau ty nuatc ngoai
Kinh te tap the
Cho vay cti nhan
Cho vay khac
1
t
4
,-.
1-
41,698,534
2,067,144
640,719
3,280,724
12,576,185
2,803,542
18,942,258
2,079
823,953
483,635
78,296
12,999,794
155,732
-1-- t-
76.02
3.77
1.17
5.98
22.93
5.11
34.53
0.00-
1.50 -I
0.88
0.14
23.70 .-"t
0.28
,
1 -1-
40,748,054
2,127,108 -
560,436
2,944,494
11,517,994
3,197,708
19,063,711
1,706
763,502 -1
500,953
70,443
15,937,074
185,943
, t
1
71.651
3.74
0.9. 91
5.181
20.251
5.621
33.521 1
0.00' I 1.34
1 0.881
1 0.121
28.02
0.33
54,854,061 100.00 1 56,871,071 100.00
chinh tri - xa hOi, quan lnhà mrdc, an
Giao due va dao too 51,452
Y te va hog dOng trçi giüp xa hdi 66,974
Nghd thuat, vui chop va giai tri 21,970
Hoat Ong dich vu khac 6,728,486
Hoat ding lam thud cac cong vidc trong
Hoat d'Ong hanh chinh va dich vu ht!, tro 46,972
Hoat dOng caa Dang Cdng san, to chirc 8,878
vat cac hd gia dinh, san xuAt san phAtn 142,125 chat va dich vu tu tieu dung cua hd gia
dinh
Hoat dOng cüa cac to chin va co quan 6,477
quiic te
trieu VND trieu VNDI
°A ,I °/0
9,383,266 1 17.11 1!
8,090,626 1 14.231 ! .
4,078,961 I 7.44 I 1
8,676,283 1 15.82 '
3,964,713 l ' 6.97
11 i_. 8,707,926 I 15.311
* !
1,270,333 2.32 1 1,342,569 I , 2.36
t 1 1 1
6,118,343 10.761 10.62 5,824,526
1! 21,132 0.04 L 23,686 11 0.041
i
14111 SHB Nein hang TMCP Sài Gen — Ha Nei
19.4. Phan tich dir nq cho vay theo nginh kinh
31/03/2013' I 31/12/20121
4 4-1
1 t 11;
'
1
1 I
I
I
t
1
11
18.53 1 1
7.39 1 11
2.18 r, +
0.16 I I
It
1.24 11
4.25 1, SI
0.03 I I
0.09 1
0.02 I
0.09 I
0.12 1 1
0.04 I
12.27
0.26
0.01
tt-
1,
1.
I'
—
1
i
r
1:
11
10,504,245
4,092,720
1,284,432
95,341
720,594
2,236,672
17,105
49,744
4,992
44,085
76,326
21,757
9,206,153
261,952
7,089
T ; , , . ,
1
.
111
I ' I I
1
I 1
1 1
1! 1
11
11
I I
11
I
Meng nghi'dp va lam nghidp va thily san
Khai khoang
Ging nghidp the bin, che tao
San xuat va phan phoi din, khi dot, mrac nong, hoi nu& va di'd'u boa khong khi
A ICung cap nuac; hoat dOng quan 1 va xix
rat thai, mrac thai
Xay dung
Ban buon va ban le; gra chcra 8 to, m6 to,
1xe mary_a xe co dOng.ea khac
1Van tai kho bai
Dich vu Iuu tru va an uOng
Thong tin va truyen thong
Hoat Ong tai chinh, ngan hang va bao
him
Hog dOng kinh doanh bat ddng san
Hoat dOng chuyen mon, khoa hoc va cong
nghd
10,162,541
4,054,800
1,197,036
85,645
678,750
2,329,780
17,674
, 18.471
7.201 ,
2.26'
0.17, i
1.271
3.931
Tong dir 54,854,061 I 100.00
I 0.031
0.091
0.011 1
0.081
0.131
0.041
16.19!
0.461
0.011
56,871,071 I 100.001
MSHB Ngfin hang TMCP Sal Con — Ha Ni
20. Dv pining riii ro tin dung
Dv phong chung
VND
Dv phong cy thel
VND
11±1Ezri
Sodirdauky
Dlr phong rüi ro trich lap trong kST/ (Hoan nhap dg
phong trong kj,)
Dg phong giam do xir 157 cac khodn ng kho thu h6i
bang ngulin di,r phong
;Dieu chinh tAng/ (giam) khac
343,011,107,224
(34,710,073,753)
907,419,723,637'
(100,509,960,872)1
SO dif kj, 308,301,033,4711 806,909,762,7651
KS? trwor -
200,004,430,998
143,006,676,2261
! 1
1,
i
, ,
154,962,118,692 1
752,457,604,945'
SO (lir du
Dv phang riii ro trich lap tong kV (Hoan nh4p dkr phong trong kj)
D phong glim do xf.r 15, cac lchoan nq Icho thu hi
bang ngun dkr phang
SO dir cuti 14
21. Chting khoan dau tu
21.1. Chung khoin diu tu sAn sang de ban
343,011,107,2241 907,419,723,637'
31/03/2013 I VND1
r. . 1,,
31/12/20121
VNDI
Chting khodn 1V9*
Chung khoan Chinh phU
Clang khoan Nq do cat TCTD khac trong ntrerc
phat hanh
7,049,754,906,664 ; '
4,071,107,030,3471
374,070,458,934
2,604,577,417,383
48,112,869,317
11,688,790,000
36,424,079,3171
(8,818,806,416)
ir
1
8,220,572,300,808
4,947,245,206,9641
375,018,484,5511
2,898,308,609,2931
48,023,619,317
11,688,790,000 ]
36,334,829,317]
(9,863,783,316)
Chimg khoan No do cac TCKT trong ntrerc phat
hanh
Chan khodn V6n
Ching khoan Vim do cac TCTD khac trong nuac
phat hanh
Ching khoan Win do cac TCKT trong mac phat '
hanh Dw phong giam gid chting khodn sjn sang etj ban
7,089,048,969,5651 8,258,732,136,809
SHB Sokld pannem. 1.011010119
Ngfin hang TMCP Sal Gen — Ha Ni
21.2. Chung khoin du tu gift den ngay din han
r
31/03/2013 31/12/2012
VND VND i
Chung khodn Chinh phii 1,337,796,920,152 869,688,118' 7031
ChUng khoan Ng do cdc TCTD khic trong nuac
phat hanh 520,700,000,000 2,345,668,000,000
Chung khoan Na do cac TCKT trong nu& PH t 1,616,669,790,437 1,075,187,684,8371
Du pile:mg giam gia chirng khodn du tu gill an _, ngay ciao han
1-• r
3,475,166,710,589 4,290,543,803,540
22. Gop vtnt, &tu tu dai han
31/03/20131 31/12/2012
VND VND
167,710,070,0001 167,710,070,0001 Du tu vao cong ty con Cdc khoan du tu vao ding ty lien doanh
Cac khoan du tu vao cong ty lien ket
1 Cac khoan du tu dai han khac
Du phong giam gia du tu dai han
420,325,699,0751 420,325,959, 557
(870,780,346) (60,241,265,051)1
587,164,988,7291 527,794,764,5061
H13 Nan hang TMCP Sal Con - Ha Ni
23. Tai san co dinh hint hinh
- Tang, giant tat san do Milk hint hinh ky nay
Khoan mkic
.
cfra, .h
vat kien trticl May mec, thiet bi
1 I
1 I
Phtrang tien yan tai,1 1 - - 1 Dung cu quail lyi Tai
truyen &In; • 1
I 1Don
1 vi tinh: VND 1
1 COng1
I san co dinh khici
1
N: guyen gni 1 SO du du ky
So tang trong ky
:
194,729,446,713; 8,959,559
8,959, 559 I
191,844,015,346 2,230,980,168
146,323,945,0611- 203,287,743
203,287743
-1,
123,221,769,187! 6,571,596,442
23,023,012,43011
3,201,074,2491
3,201,074,249 I
679,142,188,7371 12,215,898,161 1
1 - Mua trong lcji
- Dclu tu. XDCB hoan thanh
2,230,980, 168 6,571,596442 I 12,215,898,1611
-1 i , "--- f
1 I
2,230,977
i
- Tang khcic SO giam trong ky 5,618,260,826! 220,434,415 732,087,895! 443,402,9531 7,016,417,066,
-i - ChuyJn sang BDS dclu ttr
I- Thank lji, nhuang ban I
I I , i I
---11 Gicim khcic 1 - 5,618,260,826 220,434,4151 732,087,895 i 443,402,953 I 2,230,9771 7,016,417,066!
SO thr cuOi ky 189,120,145,446 193,854,561,099 145,795,144,9091 129,349,962,676! 26,221,855,7021 684,341,669,832 1
Gia tri hao mon luy ke _ 34,466,160,823
I 75,580,115,639 5,309,420,2501
5,309,420,250
289,977,3831 11 1-
289,977, 383
T- i r
1
13,306,957,5811 1,390,443,999 -1-1
1,390,443,999'
i
4- 1
SO chr du ky 108,009,543,960 55,034,026,0061 4,374,598,6821
286,396,804,0091
19,648,645,553
19,648,645,553 1 SO tang trong ky
. 2,354,779,506; 6,219,403,116
- Khciu hao trong kp
2,354,779,5061 6,219,403,116
279,723 1 13,194,767
4, 374, 598,6821_
1 - Tang khcic 4 1
--4-- 569,617,2961
-1.
.-.---; So giam trong ky
- Chuyen sang BDS dau to
13,247 2621 ,
13,247,262
886,316,431
,
4 -r
279,723 I 13,194,767 569,617,2961
1 -
-
886,316,431 1- Thanh 13i, nhacmg ban
Glenn kink ISO chr cuOi ky 36,820,660,6061 114,215,752,309 58,839,007,3921 80,599,558,5061 14,684,154,3181 305,159,133,131
Tai ngay du ky Gia tri con lai cua TSCD I
160,263,285,890; 83,834,471,386 f I i 47,641,653,5481
I 9,716,054,8491
1 392,745,384,7281 91,289,919 055 „
1 Tai ngay cu6i ky I 152,299,484,8401 79,638,808,790 86,956,137,5171 48,750,404,1701 11,537,701,3841 379,182,536,7011
5
DI SHB Ngan hang TMCP Sal Gen — Ha Ne. i
- Tang, giant tai san co dinh him hinh ky train:
Khan mac Nha 6'12,1
Vat {den trim!
1
May mac, thiet bi I Plurcrng tien van ;
tai, truyen Ding cy quail
1Don vi Unit - VND
Thi san c6 dinhl ging
kik;
Nguyen gia 49,170,531,021
145,558,915,6921
6,551,420,5191 322,495, 173;
138,685,000,000;
54,627,721,4161 137,287,919,073! 2 7,752,989,3921
1,922,929,681 •
107,612,000,0001 71,625,1431
80,374,843,5421 66,460,601,035;
23,758,141,453
60,549,882,3501 63,984,540,560;
6,458,905,4141 251,181,883,743 429,856,083,376
70,251,367,285
8,884,256,509 475,459,582
350,245,000,000 1,895,778,382
SO dtr ky SO tang trong ky 16,564,107,0161
Mua trong kj) Deiu to XDCB hoan thanh
Tang khac \Thein tat san to HBB So giam trong ky
10,217,708,905 1,971,107,016
- 1 14, 593, 000,000 1
-1
76,459,582 42,626,000,000
511,499,516
6,638,831,6551 399,000,000
46,729,000,000: 1,312,653,7231
1 Chuyen sang BDS dciu to - I
1- Thanh 1j), nhuvrtg ban 62,316,143 1 511,499,5161 1,312,653,7231 - 1,886,469,382
Giam khcic -1 9,309,000 - -1 9,309,000
So dtr cuOi ky 194,729,446,7131 191,844,015,346 146,323,945,061 123,221,769,1871 23,023,012,4301 679,142,188,737
Gia tri hao mon Ink Ice 1 SO du. ditu ky 10,483,561,9561 18,894,881,8921 23,605,174,0451 28,326,026,142 2,942,602,285
1 84,252,246,320
SO tang trong ky 23,982,598,8671 89,186,987,4761, 31,680,864,0931 48,499,447,283 10,364,355,296 1 203,714,253,015
I- KA:1u hao trong 5,524,498,4271 17,052,121,784 1 12,556,922,2431 14,507,689,309 2,357, 355, 2961 51,998,587,059
ITang do hoan thanh mua 18,100,4401 438,269,7201 1,314,757,9 74— 1,771,128,134
- Tang khtic 15,595,972 941,8501 366,000,000 _ , 382,53 7,822
1Nhan tat san to HBB 18,440,000,000; 71,681,000,000 19,123,000,000 32,311,000,0001 8,007,000,0001-
149,562,000,000
iSO giam trong ky 72,325,4081 252,012,1321 1,245,357,786; 1,569,695,326
Chuyen sang BDS dau to Thanh ly, nhuvng ban 64, 346,638 1 252,012,132 , 1,245,35 7,786 -1 1,561,716,556
1 - Giam kheic 7,978,770 -1 7,978,770
1St) du cuOi ky 34,466,160,823; 108,009,543,960 55,034,026,006 75,580,115,639' 13,306,957,581 286,396,804,009
Gia trj con lai caa TSCD TO nay dau ky -- 38,686,969,0651
-35,732,839,5241 56,769,669,4971 32,223,856,208, 3,516,303,1291 166,929,637,423
Tai To ngay cuoi ks, 160,263,285,890; 83,834,471,386; 91,289,919,055, 47,641,653,548 9,716,054,849 392,745,384,728
16
SHB Ngfin hang TMCP Sai Con — Ha Ni
24. Tat san co dinh vo hinh
- TAng, giam tai san coi Binh vô hinh kY nay:
'Khoin mac
Iflan vi tinh: VND
TM sin Co dinh: Quya'n sir clang at Phan mem vi tinh Gang
vo hinh khic
Nguyen gii SO chr du ky 1 So ling trong ky
- Mua trong kj)
- Tang khac
SO giim trong kyr
- Thanh Iii, nhu.cmg ban ., - Giam khcic
-- z. So-1— (lir cum ky
3,611,783,319,561t -
241,249,309,000
241,249,309,000
I 173,385,653,707
7,494,473,040
7,494,473,040
367,477,660
367,477,660
21,983,080,3101 _ 1
-
1
--
[I ,
,
3,807,152,344,578 7,494,473,040'
7,494,473,040 -
241,616,786,660 _
241,616,786,660
3,370,534,010,561 180,512,649,087, 21,983,080,3101 3,573,029,739,958
—1- -.
1 So (Iv dau kY SO tang trong ky
L- Khcht hao trong k))
L.7. Tanzkhac ISO giim trong ky
r- Thanh l nhuong ban
Giam khac 4 t. So dr cum ky
Gii trj hao mon lay' ke
I -
75,972,667,027 5,241,035,298
5,241,035,298
24,042,779
24,042,779
5,748,592,9771
2,155,789,234t-
2,155,789,234,
7,775,481 , ,
7,775,4811
82,510,461,886 7,435,701,472
7,435,701,472, -
31,818,260
31,818,260
,- - — "X"--
789,201,882 38,876,940
38,876,940
-{
828,078,822 81,189,659,546 7,896,606,730 89,914,345,098,
■Gii tri can Iai ■Tai ngiy .u k5' 3,610,994,117,679 97,412,986,680' 16,234,487,33i 3,724,641,882,691
Ti ngiy cuei kY 1 3,369,705,931,739 99,322,989,541 14,086,473,580 3,483,115,394,860;
53,512, 026, 515 11 21,983,080,3101
119,970,638,192. 16,772,713,342 34,007,924,850 L
69,190,000,000 96,720,000, 96,720,000
•
2,030,651,354,061 1,618,650,001,500
1,589,761,001,500 28,889,000,000 37,518,036,0001 37,518,036,000
(1 SHB Ngfin hang TMCP Shi Gan — Ha N(ii
- TAng, giim tai san co dinh vo hinh ky trtrk :
scim TSCD
sam TSCD
1 Khoin mac
Nguyen gift S6 -̀-dir ky
1So tang trong ky
Mua trong nam Tang do hoan thanh mua Tang khac Nhcin tai san tit HBB
ISA giam trong ky - ThanhI,V, nhtrang ban - Giam khcic
irSO cuoi ky Goa tri hao man luy ke
chr ky ISO tang trong kj, Khdu hao trong nam Tang do hoem thimh mua
iTang khac INhan tai san to HBB
So giant trong ky
- Thanh 45, nhumg ban - Gicim khcic SO dwell& ky Goa tri con lyi Tai ngity din ky Tai ngay cutli ky
2,106,146,460,886; 1,738,620,639,692
16,772,713,3421
34,007,924, 50050 I, 589,761,001,
98,079,000,000 I 37,614,756,000 37, 614,756, 000 !
3,611,783,319,561 173,385,944,707 21,983,080,3101 3,807,152,344,5781
1 1 631,102,326 14,064,122,6321 4,249,751,6071 18,944,976,565
158,099,556 62,005,264,395 1,498,841,370; 63,662,205,321
158,099,556 I 22,939,264,395 /, 498,841,3701 24,596,205,3211
-,--- -11— - L
39,066,000,000 - ; 39,066,000,000 r
- 96,720,000 96,720,000
- 96,720,0001 -1 96,720,000;
- 789,201,882 75,972,667,027 5,748,592,977 82,510,461,886
2,030,020,251,735 39,447,903,883 17,733,328,703 2,087,201,484,321
3,610,994,117,679 97,413,277,680 16,234,487,3331 3,724,641,882,692,
Quyen sir dyng dAt
Don vi tinh: VND
Phan mem vi' san co dinh COng
tinh vo hinh khac
25. Tii san Co khic
Cdc khoan lai, phi phai thu
Chi phi xay dung ca ban dh dang
ICac khoan phai thu (*)
I Dv phOng ri i ro cho cac tai san CO khac
Tai san Co khac
31/03/2013
VND
4,665,866,830,226
236,340,785,984
1,874,140,016,709
4,588,109,964,505
31/12/2012
VND
4,461,258,546,259
226,469,545,683
1,286,741,974,176
(9,171,959,395)
4,017,568,675,877
11,364,457,597,424, 9,982,866,782,600
SHB NOIR hang TMCP Sai Gen — Ha Ni
26. Tien, yang gui va vay cac t chin tin (twig khfic
- Tien yang gin tai cac to char tin dung khac
Tin, yang gfri khOng 147 him
1 - Bang VND
Bang yang va ngo4i
Tien, yang gni co kj, hgn
Bang VND
1- Bang yang ya ngoai
1
877,211,334,3411'
1,943,977,839
8,628,916,000,000
7,650,000,000,000
978,916,000,000
9,508,071,312,180
31/12/2012
VND
934,967,159,172
921,868,241,479
13,098,917,693
14,570,636,000,000
13,800,000,000,000
770,636,000,000
15,505,603,159,172
31/03/2013
VND
879,155,312,180
- Tien yang vay cac t chuc tin &pig !chic
31/03/20131 31/12/2012 ,
1
VNDH
VND1
4,897,000,000,0001
1,374,648,000,0001
6,271,648,000,000
- Bang VND
- Bang yang va ngoai
Tong
1,247,000,000,000
520,700,000,0001
1,767,700,000,000
11,275,771,312,180,
Tong tien, yang va vay cac to chin tin clang khac
21,777,251,159,172
SHB Ngan hang TMCP Sal Gan - Ha Ni
27. Tien giri cüa khfich hang
31/03/20131
VND
31/12/2012
VND
Tien, yang gui khong ky han
Tin gfri khong kjf han bang VND 1 , 1 - Tien giri khong IcST ban bang yang, ngoai
Tien, yang gui c6 han
1 - 3, 1- Tien gui co icSt ban bang VND
1- Tien gni co k'hnbângvang, ngoait
1Tin gui von chuyen dung 1 , 1Tinguikyqu'y
I-
5,500,059,985,474;
4,110,222,372,2781
1,389,837,613,196:
72,869,322,441,036
67,559,964,514,856
5,309,357,926,180,
8,459,993
141,684,589,008,
6,157,873,855,7611
4,549,942,171,271
1 1,607,931,684,4901
71,401,621,862,320 , .1
66,416,095,457,913
4,985,526,404,407,
8,426,122:
120,361,420,746!
78,511,075,475,511 77,679,865,564,9491
28. VOn tai trq, uy tithe dAu ttr, cho vay to chirc tin dung chin rid ro
31/03/2013!
VNDI 1
31/12/2012;
VND
!VOn nhan' tai trq, Uy thac dau tu, cho vay bang VND Riui.ntaici, üythác dau tu, cho vay bang
, jvang, ngoai
-1
416,431,683,690;
1
6,967,334,447
379,615,553,690:
5,629,870,467
423,399,018,137i 385,245,424,1571
29. Cfic khofin nq khfic
31/03/2013 I L 1 1 VND
31/12/2012
VND i 1Cac khoan phai tra nOi by 54,863,359,9151
t1 'Cac khoan phai tra ben ngoai 214,340,245,314
Dv phong ni ro khic 1 39,808,738,496
. 40,236,597,809
258,200,759,731
40,812,951,968
309,012,343,725 339,250,309,508
114!SHB
Ngin hang TMCP Sai Gan — Ha Nii
30. Win Ira cac quy can to chtk tin dung
I r Don vt tinh: Tri'eu dong
1 I --1' i----- I _4-
Vtin; Thing dn.! Co A . A A
i !
Quy Dg; Qu'S, Dv &ft' (
-■ A ILcol nhuin sau that platen! Chenh !cell t3, QuF Wu tv gop/V6n1
von co!X ‘-'
. phong tali bo sung von;
.! A
quy`:. gib luii doail phit &an' Cing
LO 10y ke I
dieu leplien i ; i chinhi dieu 4. i
1 .
13 342,7001
1 1 _1
134,7001 1
-!
8,198,i
245,265!1
9,447,862;
245,2651 iSO dur din ItS,
Tang trong ky
Tang von trong ky
1Lcri nhuan tang trong kS,
;Trish bó sung guy cho 1(54 triretc Tam trich L#• cac quy du
i
1ChuyOn tir quy du MO sang ;von
!Banco phiOu guy--
ICac khoan tang Ichac
1Giam trong ky
Sir dung trong IcS,
Mua c6 phiOu guy
;Chia co tirc Ick tram
!Cac Ichoan giam khac A .
1 So cuoi quy
8,865,7951 101,716: (5,260)
101,716
! 4- -
245,2651 245,265;
(34,204);
342,700 134,692' 253,462
(8) (34,204)i
9,658,923 ,
21
Di SHB Ngiin hang TMCP Sal Gen — Ha Nei
31. Thu nhap lai va cfic khoin thu nhap tuo'ng tir
1 Quy 1.2013 Quy 1.2012 ,
1 VND VNDI
Thu nhfip MI tien gal 2,327,572,096,118 2,353,020,812,856
Thu Ili tien girl 308,605,908,595 468,750,822,5151 i t
!Thu LC tien vay 1,598,313,956,190 1,412,589,941,615; E
Thu lai tir kinh doanh, du tu chirrig khodn Isle 420,652,231,333 471,680,048,726!
;Thu khdc tir hoyt d'Ong tin dyng 130,600,076,277 69,860,059,024
2,458,172,172,3951 2,422,880,871,8801
32. Chi phi lai Ira cfic khan chi phi tuo'ng ter
Quy L201311 Quy 1.20121
Tralaitiengirri
i Trá1ãitinvay
Trã1Aiphathanhgiayticógia
TráIAitinthuêtàichfnh
Chi phi boat deng tin dung khac ,•
VND VND
1,893,866,471,365 1,451,792,692,331
84,966,865,9061 104,657,405,052
41,016,020,9651 299,064,627,371
I 7,822,301,6991 163,143,618
2,027,671,659,935 ! 1,855,677,868,372
33. Lai/ 141 thuhl tir hot Ong dich vu
Thu phi djch vy
- Hoat &jug thanh town
- Float deng bdo lanh
- Hoat deng 'van quS,
1 - Hoat deng thanh town
Hoat dOng ngan quj,
_ Chi phi dich khdc
!Lai/ I thutin tir hoat Ong dich vu
Quy 1.2013! Quy 1.20121
VND1 VND1
39,076,268,7351 1 72,248,412,470
11,887,145,3761 11,080,840,7231
19,707,779,382 14,315,703,518'
1,342,974,7041 1,500,408,1471
244,183,9471 173,223,703
5,894,185,3261 45,178,236,379
(10,786,388,491) (5,396,097,827)1
(3,286,577,351) (1,830,553,742)11
(2,168,837,618)1 (1,063,303,833)1
(5,330,973,522)1 (2,502,240,252)
28,289,880,2441 66,852,314,6431
- Dich dui lY
- Thu phi dich vu lchac
Chi phi djch vy lien quan
SP
Ngan hang TMCP Shi Can — Ha Ni
34. Lai/ to thuAn tir hoat dOng kinh doanh ngoni hi
- Quy 1.2013 I ■ Quy 1.2012
VND VND
Thu nh(ip tie hogt a-Ong kinh doanh 65,142,018,363 18,016,011,649 kji_ Iligoal
- Thu t-ir kinh doanh ngoai te. giao ngay 34,698,251,632 7,227,071,735
- Thu tir kinh doanh yang 48,285,617 -
Thu tir cac ding cu tai chinh phai sinh tin tt; 30,395,481,114 10,788,939,914
Chi phi hogt tieing kinh doanh ngoai hiii (7,154,742,671) (6,071,382,078)
Chi vO kinh doanh ngoai t'' giao ngay (4,164,006,463) (2,249,712,886)
- Chi v6 kinh doanh yang (1,577,790,174) -
- Chi v'e cac ding cu tai chinh phii sinh tin to (1,412,946,034) (3,821,669,192)
Lai/ 18 thuOn tir hoat dng kinh doanh ngopi hoi
57,987,275,692 11,944,629,571
35. Thu nh4p tir gap mua co phtin
Quf I.2013 Quy 1.2012
CO ttic nkin duvc trong kj) tit Op von, mua cd phein
- Tir chirng khoan V6n kinh doanh
- Tir chi khoan V6n du ttr
VND VND
210,290,200
- Tr gip v6n, dutu dai han 220,837,200 750,000,000,
Loi nhu4n nh4n duvc tir ding ty con
220,837,200 960,290,200
SHB Nglin hang TMCP Sai Gen — HA Ni
36. Chi phi hoat dOng
!--
1
1 Chi nPp thud viz cdc khodn phi, a phi
iChi phi cho nhlin vien
Chi vd Mi sdn
Chi cho hopt dPng qudn 19 cong vi
Chi nOp phi bdo ham, bdo diim tan hang
Chi phi dy phbng (khong tinh chi phi tin dung nai va ngoii bang; dn. phong khoan)
Chi phi hopt ding khdc
!
QuS, I.20131 --1
VND
QuS, 1.20121
1 VND:
,
gni ctia khdchl
da phong raj ro I giam gia changi
6,533,832,742
213,281,057,135
79,806,929,624
127,004,371,760
16,044,075,568
821,702
0
3,402,833,378
122,572,324,726
41,116,174,057-11
114,498,041,613 ,!
6,086,618,215
74,326,977.
442,671,088,531 287,750,318,966:
37. Tien vi cac khoin tirang dtrung tien
31/03/2013
VND
' 31/12/20121
VND
Ti6n nit va cac khoan Wang duang tien tai quy -4-
Tien grid tai Ngan hang Nha tarac
Tien giri thanh todn tai cac TCTD khac
734,631,508,914
4,039,359,771,595
3,048,414,819,641
4,694,840,000,000 1 0
484,875,646,6701 i 3,031,869,478,896,
1,116,473,324,1501
6,907,624,000,0001
, . 124,968,000,000
Tien gtri va cho vay cac TCTD khac c6 ky han khong qua 3 thing Chung khoan cô thei han thu hi hoc ddo han kh6ng qud 03 Mang ketü ngay mua
12,517,246,100,150 11,665,810,449,716
38. Loii hinh vi giá trj tai sin the chip cfia khich hing
Gii tri s sich Gia tn ti thoi dem rip No do
31/03/2013 31/12/2012 31/03/20131 31/12/20121
Bit dOng sin 46,986,189,671,821 14.. 46,623,608,910,715 46,986,189,671,821 H 46,623,608,910,715
DOng sin 21,864,430,018,049 20,873,587,987526 21,864,430,018,049 ; 20,873,587,987,526
Chung tir co gia 9,282,472,139,822 11,971,473,902,364 1 -+-
9,282,472,139,822 : 11,971,473,902,364
Tii sin khic 25,112,692,480,977 1 24,729,448,504,851 25,112,692,480,977 24,729,448,504,851
103,245,784,310,669 104,198,119,305,456 103,245,784,310,669 I 104,198,119,305,456
lid SHB Ngfin hang TMCP Sal Gen — Ha NOi
39. Nghia vy nq tient An va cac cam ket dtra ra
Trong qua trinh hog d6ng kinh doanh, Ngan hang thyc hien cac cong cu tai chinh lien quan den
cac khoan myc ngoai bang can d6i ke toan. Cac cong cu tai chinh nay chi► y6u bao g6m cac cam ket
bao lanh va thu tin dung. Cac cong cu nay cung tao ra nhang rui ro tin dung cho Ngan hang ngoai
cac rai ro tin dung da duqc ghi nhan trong nOi bang.
Rui ro tin dyng cua cac cong cu tai chinh ngoai bang duqc dinh nghia la kha nang mang den rai
ro tin dung cho Ngan hang khi mgt trong cac ben lien quan den cong cu tai chinh dO kh6ng thyc
hien cac dieu khoan cua hop ding.
Bao lanh tai chinh la cac cam ket c6 dieu kien ma Ngan hang cap cho khach hang de giao (Lich
vii mot ben thin ba trong cac hoat do, ng ve bao lAnh vay vein, bao lanh thanh toan, bao lanh thyc
hien hop ding va bao lAnh dy that'. Rai ro tin dung lien quan den viec cap bao lanh ve co ban
gi6ng rui ro cho vay khach hang.
Giao dich thu tin dung thucmg mai tra ngay la loai giao dich trong do Ngan hang cung cap tai
chinh cho khach hang cua minh, thong thugng la ngu6i muainha nhap khAu hang hod va ben thy
huang la ngugi ban/nha xuAt khAu. Rui ro tin dung trong thu tin dung tra ngay thugng thAp do hang
hoa nhap khAu dugc dung de the chAp cho loai giao dich nay.
Giao dich thu tin dung tra cham se Oat sinh rui ro khi hgp ding da dugc thyc hien ma khach
hang khong thanh toan cho ben thy hu6ng. Cac thu tin dung tra cham kh6ng dugc khach hang
thanh toan duqc Ngan hang ghi nhan la khoan cho vay bit bu6c va cong nq tuong img the hien
nghia vy tai chinh cua Ngan hang phai thanh toan cho ben thy hugng va thuc hien nghia vy cua
Ngan hang trong viec bao lanh cho khach hang.
Ngan hang thuimg yeu cat' khach hang 14 quy a dam bao cho cac ding cu tai chinh c6 lien
quan den tin dung khi can thiet. Gia tri ky qu'y dao dung tir 0% den 100% gia tri cam ket duqc cap,
tuy thuOc vac, mire d6 tin cay cua khach hang do Ngan hang danh gia.
Chi tit cac khoan cong ng tiem An va cam ket ngoai bang vao ngay 31 thang 03 nam 2013 nhu
sau:
BS SUB
Ngan hang TMCP Sai Gan — Ha NOi
Bao Linh tai chinh 1 2,440,138,495,797 I. Thu tin dung tra ngay U 377,084,175,316
Thu tin dung tra chAm 11
108,367,907,384 i
Cam kAt bao Ifinh khac 2,436,591,530,658 li II 5,362,182,109,155
31/12/2012 ■∎ VND
2,366,410,752,160
168,801,960,954
167,635,372,227
2,584,320,373,067
5,287,168,458,408
31/03/2013 VND
40. Giao dich voi cac ben lien quan
Giao dich voi cac ben lien quan la cac giao dich dtroc thuc hien voi cac ben c6 lien quan voi
Ngan hang. Cac ben duoc coi la lien quan neu mgt ben c6 kha nang kiem soat hoac c6 anh htramg
dang ke d6i voi ben kia trong viec ra quyet dinh d61 voi cac chinh sach tai chinh va hog ding. Mit
ben dtroc coi la ben c6 lien quan voi Ngan hang neu:
(a) Tr rc tie!) hoac gian tiep qua mot hay nhieu ben trung gian, ben nay:
► kiAm soat hoac bi kiAm soat hoic chin su kiem soat chung b6i Ngan hang (bao gom cac cong ty me, Ong ty con);
► c6 von gip vao Ngfin hang va do do co anh huaing dang ke tai Ngan hang;
► c6 quyen ding kiim soat Ngan hang;
(b) Ben lien quan IA cong ty lien doanh, lien kAt ma Ngfin hang la mot ben lien doanh, lien ket;
(c) Ben lien quan co thanh vien IA nhan su chinh trong Ban T6ng Giam d6c caa Ngin hang
hoac cong ty mg dia. Ngan hang;
(d) Ben lien quan la thanh vien mat thiet trong gia dinh cua bAt kST ca nhfin nao da neu trong
diem (a) hoac (c);
(e) Ben lien quan IA mgt t6 chirc true tiep hoic gian tiep chiu su kiem soat, ding kiAm soat
hoic chiu anh hu&ng ding ke, hoac c6 quyen bieu quyet bad bfit kSi ca nhan nao dtroc a cap den
trong diem (c) hoac (d).
Tom tit mgt s6 giao dich Ian voi the ben lien quan trong quY I nim 2013 nhu sau:
Citc giao dich
ding
12,129,423,547 Thu tir dich vu uy thfic dau to
Thu co tire tir Ong ty lien quan
Sfr P.
NgAn hang TMCP Sal Gen —Ha Nii
[Tom tat cac khoan phai thu phai tra cac ben lien quan tai thai diem 31 thing 03 nal' 2013 nhu sou: i Phai thu I Phai tra
Cdc giao dich dong dong
Cho vay 360,754,887,638 1 Ky quy de kinh doanh chirng khoan r
fly thac dku to 1,075,516,420,043 t
Tien girl khong ky han - 180,443,320,033 Tien gtr' i co ky han - j 592,172,416,666
1,436,271,307,681 ii 772,615,736,699
41. Chinh sach quail ly rui ro lien quan den cac cong cu tai chinh
IVIvc tieu cua Ngan hang la t6i da hoa gia tri du tu cua c6 clang, giu vung toe d6 tang truang
lgi nhuan va tinh hinh tai chinh lanh manh. Do vay, viec sir dung cac cong cu tai chinh, bao g6m
nhan tien giri cua khach hang va dau tu vao cac tai san tai chinh c6 chat lugng cao da tra thanh
hoat dOng mang tinh then ch6t giup Ngan hang dat dugc mire chinh le", ch lai suat can thiet. Xet tir
khia canh quan ly rid ro, dieu nay doi h6i Ngan hang ket hgp mot each can d6i gift cac cam ket
ngoai bang (nhu bao lanh va thu tin dung) vbi cac khoan cho vay (bang d6ng nOi to ding nhu ngoai
te) d6i vai cac ca nhan va t6 chirc thu6c cac mire crti tin clay khac nhau. Ben canh do, Ngan hang
ding d'au tu mot phan vein luu dOng vao cac chirng khoan dau tu hay cho cac ngan hang khac vay.
Nhang rui ro lien quan den trao d6i ngoai to va thay d6i lai slat dugc quan 1y th6ng qua ap dung
han mire trang thai nham han cite sir tap trung qua mire d6ng thai tham gia vao cac hog d6ng c6 tac dung can bang an nhau giam thieu rili ro. Thong qua viec nam giir nhieu tai san la cac cong
cu tai chinh co chat lugng cao, ca call bang can d6i ke toan hgp nhat cna Ngan hang ca du kha
nang phong ngira rui ro trong y6u trong qua trinh hog d'6ng kinh doanh va dam bao kha nang thanh
khoan. Them vao do, Ngan hang ding tham gia vao nhieu giao dich ph6ng ngira rui ro lien quan
den cac ding cu tai chinh nhu cac cam ket hoan d6i ngoai to cho muc dich quanly rin ro lai suat.
Trong qua trinh quan ly rui ro tin dung, Ngan hang da sir dung c6 hieu qua Cam nang Tin dung
trong do ghi chi tier cac chinh sach va thu tuc cho vay ding nhu cac hiking dan thtrc hien de" chuan hoa cac hog dOng tin dung dm Ngan hang. Rui ro thanh khoan dugc han the thong qua viec nam gill mot s6 lugng lon tien mat va cac khoan tuang duang tien duai clang tai khoan Nostro, cac
khoan tien giri co ky han tai Ngan hang Nha nuac va cac t6 chirc tin dung khac va cac gisay to. co
gia. Cac tj, le" an toan co tinh den yeti t6 rui ro ding dugc sir dung a quan 1St rui ro thanh khoan.
Ngan hang thu6ng tien hanh danh gia chenh lech lai suat, so sanh vai cac thi twang trong nuac va
qu6c to c6 nhimg dieu chinh kip th6i. Them vao do, viec ap dung cac quy trinh quan 15/ rui ro
not b6 ding tra nen hieu qua han nh6 viec tri6n khai He th6ng Quan ly Vein Tap trung va He th6ng
P
Ngan hang TMCP Sai Gan — HO NOi
Thanh town Tap trung, theo do toan b0 cac giao dich van va thanh town caa Ngfin hang dau do Hai
so chinh thac hien. Viec do cho phep Ngan hang giam sat hieu qua hon cac Wan dai ve von va
giam cac sai sot có the xay ra cling nhu nhang tha tac phirc tap khong can thia't.
42. Rai ro tin dyng
Rai ro tin dung la kha nang xay ra ton that trong hoat dang ngan hang caa t6 chile tin dung do
khach hang khong thuc hien hoac khong co kha nang thac hien nghia va caa minh theo cam kat.
Ngan hang kiam soot va quail 19 rai ro tin dung bang cach thiat lap han mirc thanh town tuang
Ung voi mire d6 rai ro ma ngfin hang c6 the chap nhan dugc d6i vai moi khach hang va d6i vai moi
linh vac dia 19, nganh ngha.
Ngan hang da thiat lap quy trinh soot xet chat lugng tin dung cho phep du bao sam nhang thay
dai ve tinh hinh tai chinh, kha nang tra ng caa cac ben dai tac dua tren cac yau t6 dinh tinh, dinh
luqng. Han mire tin dung d6i vOri moi khach hang dugc thiet lap th8ng qua viec si dung he thong
x'ap hang tin dung, trong d6 tn.& khach hang dugc xap lo4i a mot mire dO rai ro. Mire d6 rai ro nay
c6 the dime sCra d6i, cap nhat thuong xuyen.
43. Rai ro thi trtromg
44.1. Rai ro 'di suat
ThOi han dinh lai tai suat thuc to la th6i han con lai tinh tir thoi diem lap bao cao tai chinh cho
toi ky dinh lai lai suat gar, nhat cua cac khoan mac tai san va ngu6n von.
Cac gia dinh va diet' kien sau dugc ap dung trong phan tich thoi han dinh lai Fait suat that to caa
cac tai san va tong ng caa Ngan hang:
► Tian mat, yang bac da quy; g6p vein dau tu dai han va cac tai san co khac (bao gam tai
san c6 dinh, bat Ong san dau tu va tai san co khac, trir ay that dau tu) dugc xap loai
khoan mac kh6ng bi anh huong do dinh lai lai suat;
► Tian giri tai Ngan hang Nha nu& Viet Nam doge x'ap loai tian gii thanh town do do ky
han dinh lai lai suat thuc to dugc x.ap loai clan mot thong;
► Thin han dinh lai 101 suat thuc to caa thong khoan dau tu va thing khoan kinh doanh
dugc tinh dtra tren thoi gian dao han thuc to tai thoi diem lap bao cao tai chinh caa timg
loai chfrng khoan;
► Thad han dinh lai lai suat that to caa cac khoan tien gai va cho vay cac TCTD; cac
khoan cho vay khach hang; cac khoan nq chinh pha va Ngan hang Nha nuac Viet
Nam; cac khoan tinva vay cac T6 chic tin clang va khoan mac tinkhach
hang dugc xac dinh nhu sau:
Ngfin hang TMCP Ski Gen —HA Niji
Cac khoAn muc c6 lii suit c.6 dinh trong suet thoi gian cua hop dtmg: Thai han dinh lai lAi suit
thuc to dua teen thai gian dao han thuc to tinh tir thai diem 1Ap bao cao tai chinh.
Cac khoan nitre c6 tai suit thA Thai han dinh 141 lai suit thcre t6 cua cac hqp d'Ong cho vay
c6 thZri gian dao han can tai dugi 6 thing dugc xac dinh dua tren thai gian dao han con cac Imp
deng c6 thai gian dao han con lai tren 6 thing dirge xep vAo loai tir 3 thing den 6 thing do kY dinh
lai lai suit dm Ngan hang tei da IA 6 thing mgt IAn.
► ThOi han dinh lai lai suit thuc t6 cita khoan muc ngu'on von tai trq uY tilde dAu tu, cho
vay ma to chIrc tin dung chin Mit ro dugc tinh dua tren tiled gian dao han con Lai cua
tirng hgp dong;
► Thad han dinh lai tai suit cita cac khoan ng khac dugc xep vAo khoan raw khong 1)1
anh htrang do dinh lai lai suit hoc kj/ han tir 1 thing an 3 thing. Trong dive t6, cac
khoan muc nay c6 the c6 thai gian dinh lai tai suit khac nhau.
$SHB Solid panners. flexible sotutione
Nan hang TMCP Sal Got) - HA Ni
Don vj tinh: TriOu citing
Qud hon Khong hi dish Intong -
do 4nh 1M IN snit
A Den 1 theing - Tit 1 - 3 thdng - Tit 3 - 6 dieing - Tit 6- 12 thdng Di 1 - 5 ndm - Tr& 5 nihn - Tling
Tii sin
Tien mat, yang boc, di quV - 734,632 - - - - - - 734,632
Tien girt tai NHNN - - 3,878,041 - - - - 3,878,041
Tien tai vi cho vay cac TCTD khic (• girl 5,137 - 9,705,648 8,396,847 850,000 - - - 18,957,633
Ch'ing Ichoin kinh doanh (•) - - - - - - - - -
Cac cong en tit chinh phai sinh vi cic tai sin tai chinh khac - 40,163 - - _ - - - 40,163
Cho vay khach hang(*) 6,815,068 - 20,601,050 20,911,168 2,230,368 3,227,434 731,916 337,057 54,854,061
ChUng khofin du tu (5) 880,000 48,113 450,661 2,222,062 390,000 1,568,136 4,557,452 456,611 10,573,034
Gip On, du tu dal han (5) - 588,036 - - - - - - 588,036
Tai sin ce dinh va bk ddng sin din tu - 3,862,298 - - - - - - 3,862,298
Tai san C6 khic (*) 2,231,934 8,130,688 60,000 665,332 - 230,185 - 46,319 11,364,458
Ting di sin 9,932,139 13,403,929 34,695,400 32,195,409 3,470,368 5,025,755 5,289,369 839,987 104,852,355
phii Ng tra
i dm va vay tit NHNN va cic Tien giTCTD khic - - 4,645,651 6,083,120 500,000 47,000 - - 11,275,771
Tien gilt dm khach hang - - 39,744,766 20,154,460 5,903,801 11,112,8311 1,593,831 1,387 78,511,075
Cac cong co tai chinh phii sinh va cac
khoan con nu tai chinh kbac - - - - - -
Von nhan tai try, uS, thic din tu, cho vay ma TCTD chin rai ro - - 2,081 47,324 17,522 51,439 289,535 15,498 423,399
Phit hanh giiy tics gia - - - 1,707,896 - 463,7871 - - 2,171,683
Cac khoin nil khic - 1,626,295 - - - " l - - 1,626,295
Ting nu phai tra - 1,626,295 44,392,498 27,992,800 6,421,324 11,675,0561 1,883,366 16,885 94,008,224
Mire chenh nhay cam vat Ili suit nei bang 9,932,139 11,777,634 (9,697,098) 4,202,609 (2,950,955) (6,649,302) 3,406,002 823,102 10,844,131
Cac cam kk ngoot bang co tic ding tat inirc dd nhay cam vat lei suet dm cic tai sin va ding no (ring)
-
Mar chanh nhay cam Siv III suit nil, ngoid tang 9,932,139 11,777,634 (9,697,098) 4,202,609 (2,950,955) (6,649,302) 3,406,002 823,102 10,844,131
30
B1SHB Solid partnere, flexible ...Whom,
Ngfin hang TMCP Sal Gen - Ha Niji
44.2. Rai ro teen Rui ro tien to IA rui ro ma gia tri cua cac cong cu tai chinh bi thay d6i xtfAt phat tir nhang thay
d6i ve tY gia.
Ngan hang duqc thanh lap va hoat Ong tai Viet Nam vai d6ng tien bao cao IA VND. D6ng tien
giao dich chinh cua Ngan hang cang IA VND. Cac khoan cho vay va ung truck khach hang dm
Ngan hang ch6 y6u bang VND, mot phan bang USD va EUR. Tuy nhien, mot s6 tai san khac cua
Ngan hang lai bang cac d6ng tien khac ngoai VND, USD va EUR. Ngan hang da dua ra mot he
thtmg han mire de quanb; trang thai cua cac d6ng tien. Trang thai dtmg tien duqc quan ly tren co.
so hang ngay NIA chin lugc phong ngira rui ro duqc Ngan hang sir dung a dam bao rang trang thai
cua cac d6ng tien dugc duy tri trong han mire da thiet
Phan loai tai san va cong nq theo loai tien to da duqc quy d6i sang VND vac) ngay 31 thang 12
am 2012 nhu sau:
f~I SHB Solid partners flexible solutions
Nan hang TMCP Sai Gen — Ha Nii
Don vi tinh: tri#u clang
EUR duvc quy USD du'ov quy dOi Cac ngopi N TOng
TM sin
Tien mat, yang bac, da quy 124,437 142,381 93,157 359,976
Tien girl tai NHNN - 2,603,418 - 2,603,418
Tien gin tai va cho vay cac TCTD khac (*) 335,502 3,026,350 7,249 3,369,102
Chirng khoan kinh doanh (*) - - - -
C6ng cu tai chinh phai sinh va cac tai san tai chinh khac (*) - - - -
Cho vaykhach hang (*) 151,363 8,316,098 - 8,467,461
ChCrng khoan dau tu, (*) - 833,120 - 833,120
GO von, 86u tu, dai han (*) - - - -
Tai sari co Binh va bat do, ng san dau tit' - 10,457 - 10,457
Cac tai san Co khac (*) 423 1,463,073 0 1,463,497
ltng tai san 611,726 16,394,898 100,407 17,107,030
Ng phai tra va yen chi' so, hiku
Tien gin dm va vay kr NHNN va cac TCTD khac - 1,501,560 - 1,501,560
Tien gin dia khach hang 579,839 6,107,609 67,236 6,754,684
Cac cong cu tai chinh phai sinh Na cac khoan no' tai chinh khac - 3,721,964 - 3,721,964
Von tai trce, u9 that dau tit', cho vay ma TCTD chiu rui ro - 6,967 - 6,967
Phat hanh giay ter c6 gia - 2,171,673 - 2,171,673
Cac khoan nc khac 28,091 982,490 (31,722) 978,860
VOn va cac quy - 1,683 - 1,683
TOng no, phai tra va von chit so, hum 607,930 14,493,946 35,514 15,137,391
Trang thai ti6n to not bang 3,796 1,900,951 64,893 1,969,640
Trang thai tien t6 ngoai bang - (1,597,055) 1,499 (1,595,556)
32
B1SHB Ngan hang TMCP Sal Gen — Ha NOi
44.3. Rtii ro thanh khan
Rai ro thanh khodn IA raj ro Ngan hang gap kh6 khan trong viec thuc hien nhang nghia vu cho
cac cong nq tai chinh. Rai ro thanh khoan phdt sinh khi Ngan hang do the kh8ng du khA nang thuc
hien nghia vu trA nq khi nhang cong ng nay den han a nhang thai diem binh thuang hoac kho
khan. De gidin thieu rui ro thanh khodn, ngan hang phdi huy dung tir nhieu ngu6'n da clang khdc
ngoai ngutm von co bAn caa ngan hang. Dung thai ngan hang can có chinh sdch quart ly tai san co
tinh thanh khodn linh hoat, theo doi dung tien tuong lai va tinh thanh khoan hang ngay. Ngan hang
ciing can ddnh gid (long tien du kien NIA Mid nang san CO cua tai san dAm bAo hien tai trong truang
hqp can huy dung them ngu6n von
Thai gian ddo han caa cac tai san va cong ng the hien thai gian con lai cua tai san Ira cong ng
tinh tir ngAy lap bdo cdo tai chinh den khi thanh town theo quy dinh trong hop Sing hoac trong dieu
khoan phat hanh.
Cac gid dinh va dieu kien sau dugc ap dung trong phan tich thai gian den han cua cac tai san va
cong nq cua Ngan hang:
► Tien giri tai Ngan hang NM mak Viet Nam dugc x6p loai tien giri thanh town, trong do bao gom,tien giri du trit bat buOc. S6 du ctia tien giri du tra bat btthc phu thuc vao thAnh phan va kST han caa cac khohn tien giri khdch hang cua Ngan hang;
► Thai gian ddo han cua chang khoan dau tu dugc tinh dtra tren ngay ddo han caa tang loai chang khodn;
► Chang khodn kinh doanh duqc x6p vac) loai ky han den 1 thdng;
► Thai gian den han caa cac khoan tien giri va cho vay cac TCTD va cac khoan cho vay khdch hang dugc xac dinh dua vao ngay den han cua hgp d8ng quy dinh. Thai gian den han thuc to co the thay dui do cac khe trac cho vay dugc gia han. Ngoai ra, cac khoan cho vay khdch hang duqc the hien bang gid tri g6c kh8ng bao gum du phang rai ro;
► Thai gian den han cua cac Ichodn dau tu g6p von mua c.6 phAn dugc coi IA hon IT* nam do cac khoan dau to nay khong co thai gian ddo han xac dinh;
► Cde khoan tien giri, tien vay cua cac to chirc tin dung va cac khodn tien giri cua khdch hang dugc xac dinh dua vao tinh chat caa cac khoAn nay hoac thai gian ddo han tren hop &Ong. Tait khoan Vostro va tien giri thanh town dugc thuc hien giao dich theo yeu cau cua khdch hang va do do dugc xep loai khong kSr han. Thai, gian ddo han doi.voi cac khodn vay va tien girl kSt han dugc xac dinh dua tren ngay den theo hqp &Ong. Trong thuc te, cac khodn nay c6 the dugc quay \tong va do do duy tri trong thai gian dai hon thai gian ddo han ban dau;
► Thai gian den han cua tai san c6 dinh dugc xac dinh dua vac, thai gian sir dung hau ich con lai caa tai san.
AN H z. THONG MAI CO PHA
SAI GON. HA figl Es-
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Ngfin hang TMCP Ski Gen — HA N(ii
44. Ti( GIA MOT SO LOAI NGOAI TE VAO THeyi DIEM CIJOI QU17
31/03/20131 31/12/2012 1. VND I VND
20,82811 1
20,828
26,8441 27,566
31,8491 33,689
22,0691 22,847
2221 243
16,8841 17,046
21,8251 21,678
2,6981 2,690
20,6031 20,964 '
3,370 3,286
4,382,500' 4,601,000
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Ha N0i, ngay 03 thang GSnam 2013
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