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Page 6
t
THUYE,T MII{H BAO CAOTAr cHixH ru0xc rnCho Qttli I ndm 2012
Page 7
SH *INgAn hhng I'MCI' Sii Gdn - | l)r NQi
THUYET MINH I}AO CAO TAI CHIXU NIEXT; T,EQuy f n5-m 2072
l. Ihdng tin vG ngfln hhng
Gi6y ph6p hoat dQng 0041-NH/GI'] ngdy 13 thdng I I nlm 1993(iiAy phep hoat dong do Ngdn hirrg Nhi rruoc Vict Narn cip'l'hd'i han hoat ddng crJra Ngdn hiing lei 40 nirn k€ til ngdy cdp gi6y phdp':dall ilen.
IIQi tl6ng Qurin tri
Ong Dd Quang [li6n6ng Nguy6n Vdn Ld
Ong NguySn Vdn I I6i
Ong Trdrr Ngoc Linh
Ung lran lhoal
Ong Le Kicn'l'hdnh
Ilan ki6m soirt
Bd Ddm Ngoc Ilfch
Ong NgLrySn I lilu D[rc
Bd NgLry6n 'l'hi I'ldng Uydn
Ong Lr"rong l)rjrc Chfnh
0ng Biri l'hanh1'Am
Ong Pham lloa Ilinh
Ban T6ng ()irim d6c
Ong Nguy6n Vdn LC
Ong Dang'l'rung Dfrng
Ong Bui'l'fn Nghi
Ong L€ l)ang Khoa
Pham Vdn'l'hang
Ng6'l'hu IliiNinh-l'hi Lan Phuong
Chu tich
uy vlcl-l
Uy viOn
uy vlcll
LJy vien
Thdnh vi6n d6c lAp
'l'ruo'ng ban
Phci'frrLong ban
'fhdnh vi€n
Thdnh vi€n'Ihdnh vi0n
l'hdnh vi6n
'fdng Girirn d6c
Ph6'l'6ng Gi6m d6c
Phci'l'6ng Gi6m ct6c
Phir'l'6ng Gi6m ct6c
Ph6'l'6ng Gi6m d6c.-, , .'-i \:rlro lol]g Lrlaln cl()c
K6 to:in truong
I]6 nhi6m ngdy 16 th6ng 6 ndm 2008
116 nhi0rn ngdy l6 th6ng 6 ndrn 2008
116 nhiern ngdy l6 thdng 6 ndm 2008
l]6 nhi6rn ngdy l6 th6ng 6 ndm 2008
116 nhiem ngdy l6 th6ng 6 ndm 2008
lld nhidrn ngiry l0 th6ng It ndm 2010
116 nhiern ngdy l6 th6ng 6 ndrn 2008
llo nhi6m ngdy 20 th6ng 5 ndm 2009
116 nhiem ngdy l6 thLing 6 ndm 2008
116 nhiem ngdy l6 thring 6 ndm 2008
116 nhiem ngdy 16 thring 6 ndm 2008
I]6 rrhiern rrgdy 20 thring 5 ndm 2009
'l di bd nhidnr ngdy 08 thiing 5 ndm 2007
,116 nhi6rn ngdy 0l thring 9 ndrn 2006
116 rihiOrn ngdy 05 thring 6 ndtn200l
Ild nhiem ngiiy l0 th6ng 4 ndn 2009
llti nhierr ngdy'0l thiing I I ndrn 2010
116 nhierr ngdy'15 thring 3 narn 201 l
l]6 rrhie rr ngity, 27 thring 7 ndrn 2008
Irg scr chinh Sd 77 - 'l'rdn lltrng Dao - Q.l lodn Ki6rn - 'l-P.l Id N6i - Vi6l. Nam
2. Dic di6m ho4t dQng ciia t6 chric tin dgng
Ngin httng'l'hutrng rrral Co phrirr Sdi Gon * HA Noi (clLrrii dA1' goi tit ld "NgAn hdng") ld nr6t
ngAn hdrrg thuong mai crl phin Vict Nanr thdnh ldp tai rrrLtic ('6ng hoa Xd h6i Chn nghla Vi6t Narn
voi thd'l gian hoat ddng lA 40 nirr tlico 0041-Nll/Gl'ngdy l3 thdrrg ll ndm l993 cira NgAn hdng
Page 8
SFTTi
NgAn hing l'Mcl'} Sii Girn - IIe NQi
Nhd nu'ric Vi6t Narn. Vfrn diOu l0 cua NgAn hdrrg tai ngiry' 3lll2l201l ld 4.815,795,170p00 d0ng
(B6n nghin 16m trdm rnurii ldrn ty bay trarn chfn ldrn triCu bon trdm bay rnu'oi nghin d6ng).
I I6i sri chfnh cua NgAn hdng dAt tai 36 77 - 'l'rAn I ltLng l)ao - Q.l Iodn Ki6m - [ td Ndi - Vi6t Narn.
Tai rigdy 3110312012. NgAn hdng c6 2641 rrhdn vierrr ([)au ndm 20l2:2514 rrhArr vi6n).
3. 't'6m tit cdc chinh s6ch k6 to{n chir vdu
Chu6n muc vi chO ctQ t<ti to:in rip clgng
NgAn hdrrg trinh bAy c6c b6o crio liri chinh bang clong Vi6t Narn (VND) theo Luat cdc 'l'd
chr1c Tfn dung, [,uAt sira ddi vd b6 sLrng mdt sd didr,r trong LuAt c6c 'l'6 chric 'l-in dung, cac chuAn
rnuc kd toiin Vi6t Nam vA llc th6ng K6 toiin ciic 1d chfrc tin dr.rng Viet Nam.
Kj'bfo c:io vir do'n v!fiAn tQ
Kj'bAo ciio cfia NgAn hdng bat dALr tir ngdy 0110112012 vd k6tthirc vdo ngdy 3110312012.
I)o'n vi tidn td s[L clung trorrg ghi chdp k6 toiin lA d6ng Viet Narn (VND).
1. Nguydn tic ghi nh{n c:ic nghi0p vu bing ngoiri 1Q vd quy tl6i
]'hco h0 rh6ng kC to6n cira NgAn hdng, tat ca ciic nghiip vu ph6t sinh cria NgAn hdng dLLo-c
hach toiin theo nguy€rr ti. I'ai thoi diern cudi ndrn, liri sAn vd c6ng no co ngr-rdn g6c ngoai tC duo-c
quy d6i sang VND theo 1y gi6 quy <linh vdo ngdy ldp bang cAn ctOi t<6 to6n. Ciic kho6n thu nh6p vir
chi phi bing ngoai tC crra Ngdn lidng cluo-c hach todn hirrg VNI) theo 1i giri vAo ngdy pliiit sinh
th6ng qr"ra giao dich mua bdn ngoai t0. Chdnh lech t1'gi6 do drinh gid lai ciic tdi khoan kinh doanli
ngoai te duoc hach todn vdo b6o crio K6t qud IIoat d6ng Kinh cloanh vd lo'i nhuAn Oe t4i. Chdnh
lQch ty gi6 ph6t sinh do quy doi cdc tiri san vd cdng no kh6c birrg ngoai te sang VND dtro-c xil lyvdo doanh s6 cira c6c khodn muc tuong ilng tren bhng cdn d6i k6 loiin viro ngdy lAp brio crio tdi
chinh.
5. Chri'ng khofn diu tu gifr d6n ngiry d:io h4n
ChiLng kho6n no- giir den ngiry cldo han ld c6c chflng khodn co ki han c6 dinh vh ciic khoan
thanhto6ncOdinl.thodcccith6x6cclinhduo.crallan Iting(iiArncl6cc6yidinhvdc6khandnggiir
d5n ngdy ci6o han. NgAn hdng dang glii nhAn ciic chlLng khoiin niry thco gi6 gdc c6ng ldi dr-L thu trir
ldi cho phAn b6. Gi6 tri phLr tr6i hoic chi6t khAu (n6u cti) cirng clLLo-c phdn 6nh viro giai tri ghi so ctra
khoan dAr-r tu. Lii dr.roc clLl thu hodc phAn bo thco pltrtottg plrAp drrong thang. ('hilng klioiin dLroc
giu'd6n khi clrio han sc dur.rc xem xct ve khA ndng giam gi6. Chfing kho6n duo-c lAp du phdng giarn
gi5 khi giri tri thi truong nho ho'n gid tri ghi so. I)g phong giArn gi6 duoc ghi nhAn viro bao cdo kitqui hoat d6ng kinh doanh.
Page 9
SHBNgAn hirng'|'MCI' Shi Gdn - IIn NOi
6. Chfnfi kho{n df,u tu sin sing 116 brin
Chflng khoiin dAu tu sin sdng d0 brin ld ciic chflng khorin dLloc giil trong thoi gian khdng An
dinh trLroc. co the duo-c birrr Oti aap [r'ng nhu cALr tlianh lihoan hoac cli ung pho voi trLLilng ho-p thay
ddi lai sLrat. ti giri. hodc giri tri ch[Lng kho6n. NgAn hing clang ghi nhdn c6c cli['ng kho6n ndy theo
gid g6c cdng l6i dr-r thu tril ldi chd' phAn UO. C;ia tri phu tr6i liodc chi5t kh6u (n6Lr c6) cring dr,Loc
plidn 6nh vdo gi6 tri glri so cua l<hoan dAu tu'. Ldi dLLoc chL thu hoac phAn b6 theo phu'ong phdp
dud'ng thlng. (iric chilng kho6n rrdy dr,Lo-c d6nh giri dinh kj'thco giii tri thi trr.Ld'ng vd clrL trrhong giarn
giri tri se durrc lap khi gid tri thi truo'ng nho horr gid tri ghi so. l)Ll phdng giarn giA clu'o'c ghi nhdn
vdo b6o crio kdt quA lioat d6ng kinh doanh.
7. Chf'ng khoin kinh cloanh
ChiLng khoiin kinh doanh ld chu'ng khoan ban dAr-r dttoc tnua va nam giiL clro rnuc dich kinh
doanh trong ngirr han hoic n6u I an 1'6ng Gi6rn ddc qLr1,6t dinh nhrL vdy. NgAn hdng dang ghi nh6n
c6c chfrng khodn ndy theo gi6 goc viro ngdy giao dich. 'l'rong c6c kjr tiip thco. cac chfing khorin ti6p
tuc clrLoc ghi nhAn theo gid goc.'l'ur rrhiOn, gi6 tri thi tlu'o'ng cua ctic chfLng kho6n vAn duo-c Ngdn
hang theo c16i dC ct6nh giA ve fna nang gidm gi6 khi gia tri tlii trLx)ng thAp hon giir g6c. Ngoai trir
rruLdrrg hop khong thc:ac clinlr gia tri thi tntong rnot cae h clric chin thi gi6 tri cua chung dttoc (irrh
dua trdn nguydn gi6 saLr khi trir cli ton th6t Lr6'c tinli (rreu c6). l,di lrodc 16 tir kirrli doanh chiLng
klrodn dutrc ghi nlrdn trcn bdo cdo kit qua hoal clong I'irrlr doanh tltco s0 thuAn.
8. Cic kho:in cho vav
C6c l<hoan cho vay ngdn han c6 kj'han dLtcii I nirr: cdc lihoAn cho vay vd cho thud tdi chinh
trung han c6 k! han tir I narn dOn 5 narn vh c6c khohn cho va1 r,'ir cho thue tai chfrrli cidi han ci, ky
han lr6n 5 niim kd til ngdy giai ngdn.
Vi0c phdn loai no- vii lAp dLl phdng rui ro tfn dung duo-c tirrLc hien thco Quytlt dinh so
4g3l2005lQI)-NI{NN ngdy 22 th6ng 4 narn 2005 vd Qr,ry6t dinh s6 lSl2007IQD-NHNN ngdy 25
tlr6ng 4 nlam 2007 cua 'l'hong cloc NgAn hdng Nhd niL6c Vi61 Nam. Ciic khoAn cl-ro vay duo-c phAn
thdnh ndnr nhom no- cdn cil vdo tinh hinh tra no vd cdc 1eu rd clinh tinh nhu sau:
Nhdm l. l{o ctu tiatt t'htrutn
r (--iic khodn no trong han m2r NgArr hdng cLinh gid ld ctl clu kha ndng thu hdi dal clu ,:a
g6c vd ldi ctring tho'i han;
. Cdc khoan no'qu6 han diLti'i 10 ngAy va NgAn hdng cl6nh gi6 ld c6 kha rrdng tltu ,r,'i
dAy du g6c vd l6i bi quri han vd thu hdi dAy dLr .eOc va ldi drhng thoi han cdrr lai:
l,,lhdnt 2. lVo'cdn chti 1i
o (l6c khodn no- qu6 han 1iL l0 ngdy din 90 ngav:
,, o Oitc khodn no didu chinh kj,han tra no lArr clALr;
Page 10
SFI BT
Ngfln hing l'MCl' Sii Girn * Iln N6i
o (lackhoannoc()ceulailht)i hantrAno-tror.rglranthcolhdi handuo-ccocdulai.
Nhim.l. Vrr tltrcri tit;rt t'htrun
. Ciic khoAn ntr qua han tir 9l d6n 180 ngdy:
r (ldc khoan no co c6u lai tlioi han tra no lAn dALr. tri czic khoan no- dieu chinh k! han tra
no- lAn dAu phAn loai viio nhorn 2;
. Cdc khoin no- duo-c miSn hoac gi6rn l6i do lihiiclr hirng kh6ng dn kha niurg trir lai dA1,du
tlrco ho-p dorrg rirr dung:
Nlrdm 4: lfo nghi ngd'
. Cdc khodn ntr qu6 han tt 181 dcn 360 rrgi-r':
o (liic khoan no co cAu lai thdi han tra nrr lAn cldu c1'rii han drL6'i 90 rrgdy'thco thd'i han
1ra no- duo-c co cALr lai ldn dAu;
o C6c khodrr '-to-
co'cau lai thd'i han 1ra no- ldn thiL hai:
Nhdm 5; l/,o cti khti ncing nuit ttdn
r (l6c khoan r-ro- qu6 han trOn 360 ngdy:
. ('dc kliodrn no co c6u lai tho'i han tra no lnn dALr c}r6 han tir 90 ngiiv tro' l6n theo thdi
harr trd no duoc .,t cAu lai ldn cJALr;
o Cl6c khorin no co' cAu lai thd'i han trA no lAn thiL hai qu6 harr thco thd'i han tra r-ro
drLoc co c6u lai lAn thil hai;
. Ciic khodn no- co cAu lai thd'i han tra no' lArr thir ba trtr len, ke ea chua bi quii han
hodc dd qud han:
. C6c klioiin no' khoanh. no- chd'xu' l1';
'l'hco Qrly6t dinh tu +SZ|ZOO5IQD-NIINN ngAy 22 rl'riu'rg 4'ndrn 2005 vd Quy'6t dinh s6
|1I2}}7IQD-NIINN ngdy 25 th6ng 4 nlam2007, c16i v6i cac khoan no qu6 han. t6 chri'c tfn clung
phdn loai lai vdo nh6m no c6 rui ro th6p ho'n khi NgAn hdng d6nh gi6 ld c6 dfi kha ning thu h6i dildt cA g6c vd l6i: vd khdch hdng c6 thi li6u, hd so chilng rninh cdc nguydn nhdn ldrn khodn no ndy
qud han duoc xu ly, khic phuc. Ngdn hdng chu cl6ng 1u'qu1'0t dinh phin loai ciic khoAn nc viur cAc
nh6m no rui ro cao hon luong irng v6i rn['c d6 rui ro khi xail'ra tn6l trong c6c trudrrg ho-p sar,rciZil':
. Khi c6 nhilrrg di6n bi6n bAt lo. i 1iL liic clong tieu cuc d6n m6i trud'ng kirrh doanh vd
linh vuc kinh doarrh;
. Cac chi tieu tdi cliinh cua kh6ch hdng hoirc kha ndng tra no cita kh6ch hdng bi su1' giani:
o Kh6ch l"rdng kh6ng cung c6p cho Ngdrr hiurg ciic thdng tin tdi chfnh kip thoi. iIAl' clu
ra cltirrlt xdc di Ngin hAng danh gia kha rrartg It'r ttt.rcua lihach hang.
Dr,r phdng rrii ro lin clgng: Vi6c linh dtL phdng cu thC drrcrc cdn c[L trdrr cac ty 16 6p dung cho
tirng nh6nr no nhlL sau:
Page 11
. sll $l
Ngdn hhng 'l'MCl' Siri Gdn * lIe NQi
9.
Nh6m
I
2
3
4
5
I'ii srin cti dinh
Logi
No clu tiOu chuAn
I ,,,r\o- carl cllr.l )'
No- drL6'i ti6u chuAn
No- nghi ngo
- A. ;No- co Klra nang rnat von
- Nlid cua, vAt ki6n tnic
- May rn6c, thi5t bi
- PhrLo'ng ti0n vAn tAi
- l)r-rng cu quan ly vd phAn In0tr-r tin hoc
Tn 19 dg pht)ng cg th6
004
5%
200
50o/o
l00Yo
l0 - 25 n[m
03 - 05 ndm
06 - l0 nbrn
03 - 08 ndrn
'l-di san cO clinh dr"roc th€ hi6n theo nguydn gi6 tri cli khALr hao liry k6. Ngr-ry0n gi6 bao g6m
todn b6 cdc chi phf rnd NgAn hdng phAi bo ra cli c6 duoc tdLi shn c6 dinh tfnh d6n thd'i di6m dua tdi
san d6 vdo trang thiii sin sdng siL dung. 'l'iri san co clirrh dtLoc tinh kh6tr hao thco phuo'ng phripr: !).
duong thirng de trir ddn ngu1,6n gi6 tdi san trong sudt tht\i gian hin-r dung rL6'c tinh nhu sau:
Quyi:n su'clung d6t clrLo'c khAu hao theo phLtong phrip duilrg thdng phir ho-p voi Gi6y chu'rrg
nhdn quydn sir dr--rng O6t. quyen sir dung e6t vO thd'i harr dr-Loc ghi nhAn theo giri g6c vd khdng tfnh
kh6u hao.
10. Iiiin vi cfc khoin tucrng ttuo'ng ti6n
'I'i0n vei c6c khoan trLo'ng cluong tidn bao g6rn tien rna1. vdrrg. ct6 quli, tidn giLi thanh toirn tai
NHNN. tin phi6u Chinh phLi vd cric gi6y to'c6 gi6 ngin han du di6u ki€n chi€t kh6Lr voiNIlNN, c6c
kho6n ti0n gLLi thanh toan vd tidn g[ri, cho vay tai cdc t0 chftc tfn dung kh6c c6 thd'i han <16o han
khdng qu6 3 th6ng k6 til'ngdy giri.
11. Cfc cdng cu tii chinh phdi sinh
Ciic cdng cu tdi chfnh ph6i sinh chLo'c ghi rrhAn lren bang cArr doi ke todn theo gi6 tri ho.p ddng
vdo ngiry giao dich. vd sau cJ6 ducrc d6nh giti laitheo gi6l.ri ho-p li. I-oi nhudn hoac 16 khi c6c c6ng
cu tdi chfnh phdi sinh drLo-c thr.rc hiQn drLo. c ghi nhAn lrong beio c6o kdt qud hoat ddng kinh doanh.
t,o-i nhudn holc 16 chua thuc hien du'o-c ghi nhdn vdo khoan muc chOnli l6ch diinh gi6 lai ciic cOng
cu tdLi chinli phiii sinh trin bAng cdn d6i k6 to6n vd clutrc k5t chLry0rr vdo k6t clua hoat d6ng kinh
doanh viro tho'i di6m cLroi Irim.
Page 12
SFI Ei
Ngin hhng I'MCP Shi Gdn - Iln NQi
12. Ghi nhAn thu nhip/ chi phi lfli
NgAn hdlg ghi nhAn thu nhAp 1il ldi vd chi phi ldi lren b6o cao kit qua hoat ddng kinh doanh
tr0n co sti drL thu, dr"L cl,i.
13. Ghi nh$n thu nhip tir phi vir hoa hiing dich vU
NgAn hdng thu phf tiL c6c dich vu cung cAp cho lthach hdng. 'l'hu rrhdp til phf c6 th6 chia thdnh
c6c nhom sau:
o lrhf tttu tit viQc cung ciip ttlch vu trong mQt thdi gian nhiit tllnh: I'hi thu tu vi6c
"1-,ng .ap dich vu lrong m6t thd'i gian nh6t dinh cfuxrc du thtr trong suot thoi gian d6. Phi ndy
bao gorl p5i qlau ly. phi uhan uy thdc. hoa lrorrg rA cic phi liin qrrarr dcn c6rp lin dung.
qLran l! tdri sdn, phi qu6n ly danh muc vd c6c chi phf cludrr ll,citng nhr"r phittl vAn khdc.
o phl thu tit'r,i€c cung cip ttlch v4 giao dlch: Phi phiit sirrh til vi0c cldm ph6n vd tharn
gia ddm ph6n c6c giao dich cho m6t bdn thiL ba. r,f clu rrltu dAn rep viic trtua co phAn hoac
c6c loai chri'ng kho6n kh6c hoac mua lai doarrh nghiOp , clr.xrc ghi nh4n khi hodn tAt giao
dich li6n quan. phi ho6c m6t phAn cia khoan phi ndy cti licrr quan d€n vi6c thuc hiQn mdt
c6'g viQc nh6t clinh se duoc ghi nhdn khi lrodn tAt dic\u ki6n tirong itng.
Page 13
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Page 14
SHBNgdn hirng I'MCP Shi Cdn - Iln NQi
15. 'I'i6n m{t, v}rng b4c, tl6 quy
'l'idn mat bdng \NI).,..i - , :llcll rnat oarlg ngoal lL-
16. Ti6n gii'i tai Ngffn hing Nhi nuric
Ti0n grJLi thanh todn tai Ngdn hdng Nhd nu6'c
-, ). :Ti0n gni phong toa (ncu co)
Ti6n gu'i khdc
17. Ti6n, ving giii t4i c6c td chfrc tin dgng khic
TiAn, vtirtg gui khing ky han
- Bang VNI)
- Bang ngoai 10, vdng
^,^I ren, vung gfft c0 Iq' n(In
- Ilang VNI)
- Bdng ngoai t6, vdng
31t03t2012
VNT)
31t12t2Ut1
VNt)
214,696.13tt.000
I 1tt.067.060.233
293.734.281,400
1 3l ,369,301.883
362.763.r98.233 425,103,583,283
3t t03t2012
VNI)
31t12t20t1
VNi)
| .00c). je l .i4i.141 35.1 1 1,525.637
1,009,391,343,141 35,111,525,637
31032012
VND
31ti2 20tl
VNI)
3,549,/,89,3 18,749
3.2tt4.096.tt93.309
265.092.42,5,440
2I ,9-J6,617,855,r.58
20,3 53,665.55 5.65 5
| ,582,952.299.403
3,158,24 5,174,689
j,071 ,464.376.998
86.780,iu e7.69 t
15,449,892,814,8-l{)
| 4,079,410 ,41 4,83 0
1,3 70,482.400.000
25,485,807,173,807 1 8,608,1 37,989.519
Page 15
S}{ItNgAn hdng l'MCl' Shi Gdn - lln Ndi
18. Chri'ng khoin kinh doanh
Chritrg khodn Ngr
- Chung khoan Chinh phu
- Chilng khodn No- do cdc TC'|D kh6c trong
phdt hdnh
- Chrh'ng khodn No- do c6c TCK'I'tronghdnh
Chrt'ng khoin Vdn
- ChLi'ng khodn V6n do ciic
ph6t hiinh
. ',!- t nLlng Klloall voll ott c?c
hdnh
fC'fD khric trong nud'c
i l/03i2012
VND
3Ut2l20tl
VNI)
nuoc
ph6t
'fCK'l' trong nuo'c ph6t
nuo'c
Chrt'ng khoin kinlt dounh khtic
D1t'phitng giiim gii chti'ng khodn kinh dounh
I)u.ritminh ti ltnh """
Chirng lilrorirt )rr
- I)ir ni0rn 1'et
- Chua niCm l elt
Cltri'ttg khodn l'An
- I)a niCnr y0t
- ChtLa ni0m 1'0t
Chrirtg khotirt kitrh tloutrh khric:
- Di niirn yCt
\ l)
i'brChLla riri:nr
Page 16
SFIT}Ngin hirng I'MCP Shi Girn - Ili NQi
19. C:ic cdng cg tii chinh phfi sinh vh cfc tii srin thi chfnh kh:ic
T.6ng giti lt'i t'ttu hop
ding (theo t1t giri ngov
hi€tr luc hop ding)
7'6ng giti tr'! ghi s6 k€ todn
(theo ty gid tai ngd1.'lQp brio crio)
I'iti san ('ong no'
'l'4i ngiy Jl thrlng 3 nirm 2012
COng c't1 'I-C phtii sitrh tiitt t€
(iiao clich kj han tiin te
Giao cliclr hohn d6i kj han
'l'ai ngiry 31 thing l2 n:im 201 1
C1rtg cqt TC phtii sinh tiin tQ
(iiao clicl.r kj han ti€n tC
Ciiao dich hodn d6i kj han
903,130,997,68-l
tt45.090.i07.15.1
58.040.690.530
398,,183,360,9l 2
343.538.4r71.1 l2
i4.944.(ru9.lJ(X)
3,152,018,711
i 29.5 86.05 2
) R)) J6) 7))
,1,035,83,1,699
.1.649.608.299
3 l/03/2012
VNI)
(6r 3.773-600)
3112,2011
VNI)
20. Cho vav khich hhns
Cho vay cdc td chfc kirth t6, cd nhan trong nuoc
,.,( ,, : .r '.: ':-
Cho va1 ehiet khdu tliLLo'ng phi0u vd c6c gidy to-
co gia
Cho thu6 tdi chinh
C6c khoan trA thay kh6ch hdng
,: ; ..('ho va1' hang von tiri tro-. uy thdc dAu tu
Cho vay O6i vO'i c6c t0 chrlc, c6 nli6n nud'c ngodi
Cho vay khirc
No'cho vay duo-c khoanh vd no- chd xt' llf
i r .286.088"323.591
36.280,372,332
' 283.8 4l ,67 5
8.85 8,872.549
24.993.600,000
201 ,283.803,1 06
28.920,227 .441.804
22,168.473,154
2,270,922,114
1 0,7 1 8,8 10.67 4
203,27 4,991.859
31,557,788,1113,253 29,158,660,639,905
10
Page 17
SHT}NgAn hing I'MCP Shi Gdn - IIn NQi
20.1. I'hin tich chAt lutrng nq cho vay
3 lr03i20l2
VND
31l12t20t 1
VNI)
No- du ti0u chudn: r,.
1\O Calt cnu y
Ncr dudi ti0Lr chuAn
Nn rrolri noir"Y "5"' "5"
No c6 kha nang mAt VOII
29.929.666,361.022
tt5 8.260.003 ,752
1 70, 1 45.2 1 3,485
253,624,313,468
346.092.921,526
21,413,610.255,517
1 .093 ,637 ,444.90'7
218.922.396.906
154,147.495,684
278,343,046,891
31,557,7118,813,253 29,1 58,660,639,905
20.2. Phin tich du no theo thli gian
No ngdn han
No- trung han
Noddi han
20.3. Phiin tich du ng cho vay theo ddi tug'ng
Cho vuy cdc TCKT
l)oanlr nghiOp Nhd nrLtic trung uong
I)oanh nghiep Nhd nr.rtic dia phtrong
Cirrrg l) I Nllll Nlra ntL,ic
COng t1 'I'NIlll tr-r nhAn
C6ng. r1 co phin Nhir nLLtic
C6ng t1 cti phin khdc
COng t1 htrp danh
Doanh nghiOp tu nhdn
I)oanlr nghiep c(r r'6n cliu ttL nrrtic ngodi
Kinh tC tAp the
Cho rto)' cti nhAn
Cho va1' khtic
31,557,788,813,253 29,158,660,639.905
hinh doanh nghiOp
3t 10312012
VND
3111212011
VNI)
20 .665 ,9 49 ,1 47 .206
6,492.315.129.840
4.399 .463 ,936 .207
I 8,5I 1,039.:i5tt,086
6,394,821,02.i.i56
4.252.800,2 5 ti.463
khdch hing vi lo4i
31103120r2
triOu VNt)
3vl2l20rr
triQu VNDat/
2-l,042,2 I 9
. 1"121.575
,191"359
1.509.08't
(r.639.716
l.'12,1.,12 fi
().111.501
1.69 I
8'l-1.(r.l I
8 ()6.3,1 7
2 (r.8.9 (r
8,.1 5 5,298
160,272
7-1.02
3.55
1.56
,1.7 8
21 .01
.7.68
l(.).08
0.0 t
2.67
?..56
0.09
2(r.,ltl
0.5I
19,95t,s78
791.375
22't-399
1.063.03i
6.280.6-18
2.138.1.1,1
8.57 5.62t1
1.3 l9
531-685
3 2 8.,19 3
16.867
I,()73,962
I3I ,I2I
68.42
2.71
0.77
1.65
;t l .54
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,.nll.!:i0.0b
.JI.T.1
u.4 5
J I,557,789 100.00 29.158.661 100.00
Page 18
SFTa$
Ngin hing I'MCP Sli Gdrt * Iln NQi
20.4. Phin tich du nq cho vay theo ngirnh kinh r6
N0ng nghiCp r Li lim nghiQp r ii thul siin
Khai khodng, i,.i('ong rr-ulrii'p chi hi0rr. chi' tr,r
S/rn xr"r6t r ii phlin pnOi Oign. khi d6t. nu(rc n(rng. hot
nuric r r\ .lii'Lr hirir khring L6;
Cung c6p nu(rc: hoat d6ng qLran lf vi xLL 11' r6c thtri,
nr.L6c thai
Xd1'dqng
B6n bu6n r r) biin lc; su:r chtia ir t6. rnO t6. xc m6f i'it
xe c6 clOng ctr khiic
VAn trii kho biia
Dtclt \u lrlu tlu \c an uone
'l'hdng tin vi\ tlr-r1'0n th6ng
llo4L tl,rng tii ulrinh. nein lrirrg r a birt' hii'rn
I Io4t cl6ng liinh doanh b6t ctOng san
I lo4t d6ng chulen m6n. khoa hoc vir c6ng ngliO
IIort d,'ng hinlr chinlr r J diclr r u hd tltv
llo4t ilQn-u cua [)ang CQng s:in, t6 ch[rc chinh tri -
xd h6i" qr-ran lj nhd nu6c. an ninh qu6c phong: bao
Giiro duc r ir clio tar-r
Y t6 r z\ hoal dirng tro gitip xa hOi
Ngh0 thu4t. r r-ri chtri r':\ giiii tri
l{oat d6ng ciich r r-r khic
Iloat dQng lirr thue c6c cdng viec trong cilc hQ gra
clinh. san xu6t tun phirn r 4t chAt vd dich r'q tq ti6u
dirng cua h6 gia dinh
lloat clQng cua ciic t6 chiLc r'i\ ccr quan quOc t6
Tdng du'no'
3l t03/2012
triCu VNI) "/,u/u
3l^2t20ll
triOu VND
3.tilJ l.36ti
3.(X)6.3 75
5.702.9ti2
-5 I (r.tt7 I
5.4112
2.'r.t.7Iu
6.6.16.3 9 3
I .5 19.82 l
I . I rJ:r.528
3 0.-176
4,1l.09ti
l.l05.3tiu
2t.237
i2.510
-1.3 6-l
I l.-150
.13.3 I 9
ll.8-i8
.1.02 ti.i 72
I .l u.'5 56
2t.725
3.,118.762
2.616..192
5.068.71',l
1tJ6.,152
6.1 95
3.i01..t72
5.1 12,9,t9
1."553.,1I u
182.87 1
28,032
'163.209
t.i92.049
2 1.,15I
i2.697
5.-r03
I1.,180
,15.3.16
12.7U)
3.n22.94 4
ru5.738
35.308
il.93
9. l8
17.38
1.67
0.02
| 1.32
l9.70
5.33
l.b8
0. i0
1.59
+.77
0.08
0.1 I
0.02
0.05
0. l6
0.0.+
ri.ll
0.o:+
0. i2
3l ,557,789
12.30
9.5 3
IU.07
1.6,1
0.02
9.21
2l.0i
4.82
i.75
0.10
1.40
4.45
0.07
0. 10
0.0I
0.04
0. 14
0.0.1
12.77
0..14
0.07
100.00 29, l s8,661 100.00
n
Page 19
SHTTNgdn hing I'MCP Shi Gdn - lln NQi
21. DU phdng rrii ro tin dgng
Ki ntil
56 du'dfru k3'
Du phong rui ro trich lpp
phdng lrong kj)Du phdng giim do xu' ly
bang ngudn du'phdng
trong k!/ (l-lodn nhAp du
ctic khodn no- kh6 thu h6i
200,004,430,998
18,t34.332,764
r54,962,118,692
50,950,686,463
l)tr phong chung
VNI)
I)u'phdng cu the
\NI)
Di0u chinh tang/ (gidm) khric
s6 ou cu6i ty
Ki trutc
s6 ou dau kjDV'phdng riri ro trichphdng trong ky)
Du phr'rng gidm do xu
bang ngu6n du' phdng
s6 au cu6i t<i,
218,138,763,762 205,912,805,155
ldp trong k!/ (llodn nhdP
llf c6c khoan no- kh6 thu
164,823,526,714
35.1 80.904,284
107 ,732,17 r,165
4',7,968,947.527
739,000,000
dLr
r I'not
200,004,430,998 154,962,118,692
22. Chfing khofn dAu tu
22.1. Chung khofn diu tu sin sdng dd bf n
Chri'trg khotin Ngr
( hung khtran ('hinh phu
Chilng kho6n No- do cac l'Cl'D khdc trong nuoc
ph6t hirnh
Chung khodn No- do cdc TCKT trong nudc phdt
hdnh
Chirng khodn Vin
Chilng khodn V6n do c6c TCI'D kh6c trong nLLoc
ph6t hAnh
Chilng khozin V6n do c6c TCKT trong nuoc ph6t
hdnh
Dtr phing gidm gii chrittg khoin stin sdng l0bdn
12,236,554,499,',l37
l3
3110312012
\NI)31^2t20tl
VND
4,83 3,089,990,860
950.000.000.000
2,130,058.608.444
1,753.03 1382,416
20,7 I I ,620,000
I 1.688.790,000
9,022.ti30.000
( 12,957,149,300)
12,230,528,533,537
950,000.000.000
8,430, 105,806.501
2,850,422,727 .036
20,71I,620,Aoo
I 1,688,790.000
9,022,830.000
(14,6{t5,653,800)
,1,840,844,461,560
Page 20
SFX $Ngdn hhng'|'MCI' Sii Gdn - IIn NQi
22.2. Chung khoin diu tu giff'd6n ngiy d:io h4n
ChtLng l<lrodn Chinh phtr
Chinrg l<hodn No. do ceic TC'l'D khiic trong ntr'6c
phrit hdnlr
DtL phong giam gi6
ngziy diio h4n
chrflng khodn ciAu tu giiL d6n
23. G6p vdn, diu tu diri h4n
- PhAn lich gi6 tri rlffu {u thco lo4i hinh dAu tu':
D6u trL vAo cdng tY con
Ctic khoein dAu tu'viro c6ng ty liOn doanh
('Ac klrtran clAtr tu' vAo cong ty lie n k6t
C6c khoan clAu tu'ddi han kh6c
Dr,r phirng giarn gia diu tu'dai ltan
Danh mgc cic khoin diu tu. g6p v6n nhu sau:
T0n cfc don vi
C-dn-e tr ('l' DiLr ttr vii Pl' Cao SLr Ngh0 An
C0ng 1! ('l'quan lj'qLr--r,r diiLr ttL Siii (it)n - Ha Noi
( orrs lr t I't K Siri e i,rr - llr \,1r
Cting t1 (.'I']Cao Su Phtrirc I ltia
(iong lv CI) l)hrit 'lri0n An Viqt
'l'ong C0ng 11' cd phdn bdo hiim SI Iil Vinaconrin
C6ng tr 'l'Nllll Strn I-dm
Ctin-e tl cti phan claLr tu xav dLnrg t-ll.AMA - SIIB
Cting t1 (il']th0 thao SIll) Da Nang
Cting 11 I'NI ll I I thanh vrSn qLriin ll no. vd khai tirdc tr)i san Sl lll
Cting tv l'l)'lhLLv san Gcntraco
Cong n Cl) lll)S An'fhinh
C fCI'] t)rlLr ltL Idi chinh Nam Vitt
CTCI'] I'hdl tricn dri tltr khu cOng nehi0p StllS (Sl lil i.and)
C l'CP I)iu trL Kinh cloanh tlit dong srttt Gentraco (Gelllraco 1-and)
(l'l' (ll'] | )iiLr trL I'hat triin I I0ng Vict
353,313,240,893 353,313,240,f]93
31t03t2012 Jlfizn0tl
3t i03i2012
VND
3111212011
VND
| .914.219.932.148
62.1.840.000.000
1 .000,000,000,000
I ,6 r 0,840.000,000
2,599,059,932,118 2,610,840,000,000
3 | /03/2012VND
31t1212.0\1
VND
20,000.000,000
i 34.2tt9.000,000(91 s .7 s9 ,107)
20,000,000,000
334,289,000.000
(91 s ,7 se ,t 01)
Gif gdc0/o sti'
hii'uGiri euc "1
-to- nu'u
1 2.000.000.000
5.200.000.000
82. I U0.000.000
27.ti59.000.000
1.000.000.000
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2.000.000.000
2.500.000.000
7.500.000.000
12.000.000.000 8,00
5.200.000.0{)0 10.10
82.180.000.000 8.22
27.859.000.000 0.62
1,000.000.000 2.00
10,000.000.000 10.00
1.r5.000.000.000 10,69
11.000.000.0()0 11.00
550.000.000 il,()0
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Page 23
SH }}NgAn hing.I'MCP Shi (idn - Iln NQi
25. Tni sin cd dinh vd hinh
- l'ing, girim tii sin cd dinh r,6 hinh kj'ndry:
Quy0n sii'dqng iliit Phf,n m6m vi tfnh
Donvi tinh. VNI)
'l'ii srin c6 elnnvo hinh khr{c c0ngKhoiin muc
NguyOn gii56 du diu k]56 tnng trong ki- Mua tt'ong k-i
56 ginm lrong kjs6 uu'cuiii tyGirl tri hao mdn lui k6
S6 Ou rtflu ty56 tlng trong k!- Khhr hao trong kj'
56 ginm trong k]s6 ou'cu6i xy
Giri tri cdn lai
1'4i ngiry dAu k). i, | .
l ar ngay cuor Ky
Khoin mgc
Nguy0n gi6
56 du'tliu k}56 teng trong kj'- Muu lrong kv
56 ginm trong kjs6 ttu'cu6i tyGi6 tri hao mdn luf k6
56 ou'cf,u uy
56 tring trong kj'- Khtitr huo trong kj'
56 ginm trong kjs6 uu'cu6i hy
Gi:i tri cdn l4i'I'3i ngiry dAu k!
. i. r .r?r ngay cuor Ky
2,030,651 ,354,06 I 53,512,026,51 5
3,597,454,645
3.597."15.1.645
2r'e83'o8o'3ru'''o:lill;ill,lll
3,597.154.645
2,030,651,354,06 | 57, I 09,48 l, I 60 21,983,080,310 2,109,743,915,531
631,102,326
39,308,906
39,308,906 _
14,064,122,632
1,931,916,1l I
t.e3t,9t6,u l
4,249,751,6{17
372,662,745
372,662 715
18,944,976,565
2,343,987,762
2,313,887,762 _
670,411,232 1s,996,038,743 4,622,414,352 21.288.864.327
2,030,020,251,735 39.447.903.883 l 7.733.328.703 2,087,201,484,327
2,o2g,ggo,g42,g2g 41.113.442.417 I7,360,665,958 2,088,455,05l,204
- 'l'[ng, gi6m tii s:in cd dinh vd hinh kj,tru6'c :
Don vi tinh. VNI)
euy6n sri'dqng cAt pnan mcm 'i tinh 'l ii
^srin c6 ctintt
vo hinh khric cQng
1 ,3110,377,I 88,42 I
650,274,165,640
650,271,165,610
5,9ti8,3l 0,020
41,523,716,495
17,523,716,,195
20,000,000,000 I,406,365,,198,441
1,983,080,310 699,780,962,445
t,983,080,310- 699,780,962,445
2,030,651 ,354,061 53.5r 2.026.5t 5 21,983,080,310 2,106,146,460,996
473.434,736 3,291,957,009
157.667,590 10,772,165,623
t57.667,590 10.772.165,623
3,000,684,696
1,249,066,911
t,219,066,91 t
6,766,076,441
12,178,900,124
t2, 1 78.900, t21
631,102,326 14,1164,122,632 4,249,751,607 18,944,976,565
1,379,903,753,685 2,696,353,01 | 16,999,315,304 1,399,599,422,000
2,030,020,251,735 39,447,903,883 17,733,328,703 2,097,201,484,321
t7
Page 24
f;FI ItNgffn hirng I'MCP Shi Gdn - ltn NQi
Danh mgc Quydn sri'dgng dAl
ICNANMT 3l/wmn $mmtzQUYEN SU DUNG DAT S0 16-18 DL HoA BINH-CAN THO (412,4[n2)
QSD DAT S0 31 LTK NR:18 2[/2 DAT CHUNG:310 5M2 (NHA 0 NGOAN B NHAN)
QSD DAT 31 LTK DTR 32 8M2 DTC:310,5M2 (NHA 0 THAN B MINH)
QSD DAT 35A LTK DTR 32 81V12 DTC:49 2[/2 (NHA 0 GIA B THO)
QSD DAT 33A LTK DT 37,4M2 (NHA O VY B THOA)
QSD DAT 35A LTK DTR.34,9M2 (NHA 0 NGUYEN B.AN)
QSD DAT 338 LTK DTR 26[42 DTC:7 4[/12 THUA:1 70/1 F (NHA 0 DUNG B THANH)
QSD DAT 358 LTK DTR 10 7[/2 DTC:346,6M21NUA170t1F (NHA 0 DUC B LAN)
QSD DAT 35B LTK DTR l5[42 (NHA 0 KHANH)
QSD DAT SO 35LTK DT SAN:53 8N,42 DT DAT CHUNG 395[42 (NHA 0 QUYEN)
QSD DAT LO A21 NGUYEN VAN LINH NA[/ DUONG HAI CHAU,DN SO DO BE 579491
QSD DAT SO 35 LY THUONG KIET HOAN KIE[/ HA NOI SO DO 88916410
QSD DAT SO 35 LY THUONG KIET HOAN KIEM HN SO DO BB916409
QSD DAT SO 35 LY THUONG KIET HOAN KIE[/ HA NOI SO DO 88916408
QSD 10 V0NG DUC (H0 NHA NGUYEN THI CUC)
QSD S0 1 o VONG DUC(HO NHA ONG THA
QSD NHA 31 LY THUONG KIET(BA KIEN
QSD 1 75-1 77 NHA TRANG KHANH HOA
DAT 35B LY THU0NG KIET(HONHA ONG
QSD SO 01 NGUYEN VAN CU DA LAT
QSD TUYEN SON DA NANG (41 531 M)
KHU DAT TUYEN SON DA NANG (6 157,
QSD 14HA HOA MINH LIEN CHIEU DA NANG
QSD DAT CLB SHB DA NANG(CO TG SD 50 NAM)
QUYEN SD DAT 33 LY THUONG KIET HA
QSD DAT SO 31 LY THUONG KIET
QSD DAT 77 TRAN HUNG DAO
QSD DAT SO 33 LTK 6 8 VONG DUC
QSD DAT TAI CN CAN THO-138 D 3-2, TP CAN THO
QSD DAT TRUONG XUAN
QSD DAT BINH THUY
QSD DAT.GARAGE XE
QSD DAT THANH QUOI
QUYENSU DUNG DAT NHA 89 NGUYEN VAN LINH-DN
QUYEN SU DAT NHA SO 91 NGUYEN VAN LINH
QUYEN SU DUNG DAT
67,335 000 000
38 104 105 500
61 769 634 500
43 846 530 500
43 843,170 500
43 837 1 70 500
56,578 267 000
100 900 535 500
153 201 930 000
63 253 416 640
101 872,527 000
245,332 905 000
239 815 317 000
30 449 760 000
22,523 867 000
43 705 068 000
18 037 226 100
107 220 759 000
7 483 603 600
129 138 454 546
18 473,400 000
37,518 036.000
7 889 000 000
1 26,528 71 1 ,580
12 881 587 000
78 319 970 000
49 001 464 795
650 000 000
300 000 000
. 637 812 000
408,080 000
253 800,000
4 376 1 74 000
4 376 980 400
5 21 1 535 400
67 335 000 000
38 104 105 500
61 769 634 500
43 846 530 500
43 843 1 70 500
43 837 1 70 500
hh \ /\ hh\ ililt 1
56 578 267 000
100 900 535 500
153 201 930.000
63,253 41 6 640
101 872 527 000
245 332 905 000
239 815 317 000
30 449 760 000
22,523 867 000
43 705 068 000
18 037 226 100
107 220 759 000
7 483 603 600
1 29 1 38 454 546
1 8 473 400,000
37 51 8 036 000
7 889 000 000
126 528 71 1 580
12 881 587 000
78 319 970 000
49 001 464 795
650 000 000
300 000 000
637 B1 2 000
408,080 000
2s3 800 000
4 376 174 000
4 376 980 400
5 21 1 535,400
2,030,651,.]5{,0612.030.65 1,J51,061
l8
Page 25
SFI TT
NgAn hdng.l'Mcl'} ShiGdn - Iln NQi
3 l,'03,'2012
VNI)
3112i)"0t 1
Vl.ll)
C6c khoan lii, phi phai tltu
Chi phi xiy dpng co- ban dcr dang
C6c khoan phAi thu (*)
Dr-r ph<)ng t'ui ro cho cac tdi sdn C6 kh6c
'l'di sdn C6 khac
Vu1: l;JJ1Y,
Vay thco h6 so tin dpng
Vay chi6t khAu. t6i chi€t khAu gi6y to c6 gi6
Vay cArn c6 c6c giAy to'c6 gid vo'i NHNN bdng
VNI)
Vu1' RQ Ttii chinh
Ctic klrotin nq khdc
28.'I'i6n, ving gri'i vh vay cfc t6 chric tin dgng khic
-'l i6n, virng gti'i cria cic t6 chri'c tfn dgng khdc
Tiin, ving gfri kh6ng ki hun
- BAng VNI)
- t)[ng r )n-u t d ngopi t0
Tiin, vittrg giii cd kit h(Jn
- Bang VNI)
- Llang vdng i d ngoai tQ
2.088.091 ,247 .426
4n.600.604,23 0
| .926 ,4 5 5 .260 .1 66
r ) tg 7r5 51'7 i79
1.670,395,598,054
53,820,,{45.107
r,765,077,564.085
2.142,577 .606,288
6,2ti2,87f1,689,80I 5,631,871,313,534
(*): Kh6ng bao g6m tdi sirn thr-r0 thu nhAp hoirr lai vd c6c khoan phiithLr tit c6c giao dich
116i b6.
27. CAc khoin nc.r Chinh phri vir NIINN
31,03i2012
VNI)
ill12201|
VNT)
400,000,000,000
400.000.000.000
2,184,953,736,805
700.000.000.000
1.109.505.899.736
315.141 ,831 .069
400.000.000,000 2,184,953,736,[i05
31t03n012
VND
3lt12t20tlVND
3,399,9 59,729,419
.t.l99.92 5. ti09.56'+
13.919.85 5
:,5,786,619,208,666
[.9]9.0I 7.608.666
1.857.60 1.600,00t)
3,073,462,9 54,9 I o
1.07i.131.2i 1.716
10.721. I 74
I 2,83 5,620,44 2,000
I I .752.r64.,1.11.(100
r.081.056"000.000
r9.186.57tt.938.085 15"909,08J,396'9 i lr
Page 26
SI"T ffi
NgAn hhng I'MCP Siri Gdn - lln NQi
- Vay cdc t6 chri'c tin dung khf c
- llang VNI)
'.-- Ilirrg i ang r a nroai ttl
T6ng
29. I'i6n gri'i cria khfch hirng
'l'hu--v6t minh theo lo4i tiiin gii'i:
V6n nhdn tAi 1ro-. Lry thiic':Dang v r\ r_,
V6n nhAn tdi tro^ Lry' thiic'JDang vang. ngoal tc
4,441 ,536,803,242
3.307.560.62 1.250
| .13i.976. lU t.99f
3 7,-J3 5,524,626,684
34.916.964.789.436
2.3 5U.-559.83 7.24u
6,944,383
t 24,727,-J5 t,6 I -5
4,295,134,807,545
3.634. 1,15,93.+.0i4
,100.993.37:.-s I I
30,-163,221 ,-l10,774
28.369.402.675.2-tIt
1.993.8 t 8.635.50t)
6,902,523
I 56,28-1,861 ,0I3
ri03/2012
VND
3 l/12/201 I
VNI)
q}.000.000.000
924,000.000.000
3 10312012
VNT)
'fiin, vting grti khing kj, hqn
- licrr gtLi [fiilng k1 lran bang VNI)
- liiu gtri khong kj lrarr bang vang- ngoai ti
-. ,i
t reil, vang gtil co K)' ngn
- f iOn gui c6 k! han bdng VND
- 'l-i0n gLri c6 kj' han bdng vdng, ngoai td
T'iin gti'i vOn chuyAn ding.,. ;t te,t gr(r K-l' qu-v
11,()01,795,725,g24
-i30. Vdn thi trry, riy thic diu tu, cho vay t6 chri'c tin dr;ng chiu nii ro
3U03t2012
VNI)
3v12t2011
VNI)
34,{l14,646,881.855
3Ut2t2A11
VN I)
dAu tu. cho vay
.loaU tr,L. cl-lo v'.1-\
234.29ti.5 00.000
922.932.419
225.463.080.000
922.932.4t]
226,386,012,479
l()
235,221,432,419
Page 27
:iFI}tNgdn hirng 'I'MCP Sii Gdn - | Ih Ndi
31. Cdc khoin no'kh:ic
Cdc khoin phiii trii nQi bQ
- C6c khoAn phii tra c6n bd nhAn viOn
- Qu,i rru cAp rrAt viOc ldm
- Qui khcn thuo'ng, phuc lo-i
- Ciic khodn phii 1rd ndi bd khtic
Cdc khoin phii trfi bAn ngoiii
- C6c khoan phii trdr vd xAy di,lng co ban, mua
s6m'l'SCI)
- t'hu6 (i t'(l t.
- 'l-hue 'tNDN
- Cdc khoan phai n6p Nhd nu6'c kh6c
- l-di tra tru6'c
; .).- Llluycn tlen pnal tra
- C6c khoan phdi tra khic
D1t'phirtg rui ro khtic
- Du phdng C5i vOi cric cam k6t du'a ra
- I)u phdng cho ciic dich vu thanh toiln
- Du phr)ng rui ro khic (D4r phdng rili ro hoql,]
dong, khdtg buo gdnt dt phdng khdc ctdi voi tiri
san ('6 rtoi bung)
3li0:1i2012
VNI)
3Ilt2t201l
VNI)
24,j,95,266,2 59
j94.307,039
1.159.219. | 63
I 1.3 19,243,536
11,322.496,521
I20,744,099,71 I
6,021.081 ,370
4.145.366,824
4.ti9l ,437,I 80
I 1.139.120.325
8.623.343,3 93
{t5,:123,750,61 9
2 5,872,793,399
25.U63.015.852
9.711,547
22,885,914,807
158,853,380
1 ,241 ,645 ,l 51
15,239,355,528
6.246.060.748
244,953,451,291
6,033,484,3 70
718,425,08'7
95,633,67 6.104
4,993,861,5 l4
I 1,108.288.514
34,213,079.071
92,252.636,025
26,314,942,184
26.314.931,321
t,85 7
170,812,159,369 294,,154,308,282
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Page 28
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Page 29
5 FII}NgAn hing I'MCP Sii Gdn - lln NQi
33.'I'hu nhip l5i vir cac khoin thu nhip tuong tg'
T'hu nhQp fii ti6n gti'i,-. )
I ftl lar tlcn gu l
'l'ra ldi ti0n va,v
'l'hu lni tir kinh doanh. dAu tLr ch[rng khodn
Nq
Thu khtic ti'hoqt ddng tin dung
34. Chi phi lfli vh c:ic khorin chi phi tuo'ng tg'
'l'rA l2ii ti0n gLLi
'l'rA liri ti0n vay.:
lla lli pliAt lrarrlr giAl to co gid
'l'rA lai ti0n thuO tdi chinh
Clhi phi ho4t dQng tin durrg kh6c
35. Lflil 16 thuen ti'ho41 ddng dich vu
Thu plti dlch vq1
- lloat d0ng thanlr todrt
- I Ioat d0ng bao ldnh
- Ilo:.rl d0rrg ngatt c;ttj
- Dich vu dai li- lhtr phi dich vtr l<lrdc
Chi phl tllclt vt't IiAn quun
- lloal d6trg tharrh toatt
- I loat dtirrg ngart qtl!
- Chi phi dich vq khiic
Lei/ 16 thuin til ho4{ dQng dich vg
1,855,677,868,372 1,1 99,156,6J6,J50
Quy 1.2012
VND
Quy I.2{) I 1
VNI)
2,285,851,217,736
.tr(rU.744"532.-51 8
l "l -s6.u0 1 .636.'192
,160.305.048.726
137,029,654,144
I ,532,1 78,181,640
230.566,385,141
983,312.921"915
318.238,873.98 !
68,478,95 7,85-J
2,.122,880,87I,llll0 1,600,657,139,r193
QLrl' l'201 2
VNI)
Qui 1.20i I
vl\,1i)
| .451 .192.692.331
104.657.405,052
299.064.621.37 |
i 6i.143.61 8
I .056.784,501.920
2.2.135.180.511
I 20" r i6.330.562
t20.623,451
Quf 1.2012
VNI)Qui l.2t)l I
VNt)
7 2 ,24 8,4 1 2,4 70
I 1.0tt0,tt40,723
l.+.-115.703.518
I .500.40[t.1.17
t73.223.703
45.178,236.319
(5,396,097,827)
( 1.830,5s3.742)
( 1.0(r3.303.tt33)
(2.502.240,252)
2 t ,197,413,779
t1.o54,872.O99
6,938.761)"'E20
I .760.835.9l I
'{.9 8 5.900
1.437.e50.049
(5,094,665,982)
( 1,836,',/()e.04lr)
(850.8e1 75I)
(2,407,065, r rt3)
16,102,7 4'/ ,79766,852,314,643
t)
Page 30
si[{BNgAn hing'I'MCP Sii (ldn - Itn N6i
36.l,5'ilt5 tnuen 1i'hoa1 dQng kinh doanh ngoai hOi
Thu nltQp ti'hogrt dAng kinh tloanh ngoai hii- 'l'hu tu kinh doanh ngoail€ giao ngay
-'l'hu tiL cdc c6ng cLr 1Ai chfrrh phiri sinh ri6n te
Chiphi hogt dQng kinh dounh ngotli h6i
- Chi vi liinh doanh ngoai td giao ngay
- Chi ve ciic c6ng cu tAi chinh phdi sinh lidn rd
Leil 16 thuAn tir ho41 ddng kinh cloanh ngo4ih6i
37.1,1i/t6 rhuAn
t,ain6 rhuin
Qul!'12012
VNDQuV L20l I
VNI)
I 8,0 I 6,01 I ,649
7.221 .011.735
r 0.7tt8.939.9I 4
(6,071,392,079)
(2."2.49,71 2.886)
(-1.821.669.t92)
16,267,3 51,31 7
13.397 ,669,2A3
2,879,682.114
(14,575,559,239)
( 10.836,189,0i:t)
(3.139,369,207 )
11,941,629.571 1,691.793.078
tir ho41 dQng mua bdn chri'ng khorln kinh doanh, chf"ng kho:in dAu tu
tri hoat dQng mua brin chri'ng kho:in kinh rloanh
i
'I
1
I
{)u. 12012
VND
Quj, I.201 I
VNI)
'l'hLr nhAp 1t)'rnua b6n chung klro6n kinh doanh
Chi phi v0 mua b6n chrhng khoiin kinh cloanrr
I)u phong giam gi6 cl.r[lng l<ho6n kinh doanh
l,ai/ 16 thuAn ti.mua brin chrirrg kho:in kinhdoanh
LAil 6 thuin tir ho4t dQng mua b6n chri'ng kho6n dffu 1u
'l'hu nh6p tir nrua brin clrflng khodn ddu ttL
('hi plri v.i rnua balr clrrrrrg khoan dArr trL
Chi phi/ hodn rrhAp du phdng giarn giri chfrgkhorin dALr tu'
I.Aillf.lhudn ti.mua bdn chri.ng khofn dAu ru.
Qu;i I.2012
VNT)
Quy I 201 I
VNI)
4.5 86.3i9.661
( l .873.e6 | .67 s)
1.72U.504.500 40.091 .500
,10.091.50{)
21
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Page 31
:\ [tI]Ngdn hing'I'MCP ShiGirn - IIh NQi
38. Ihu nhAp tir g6p v6n, mua cd phfln
('6 ttic' nhtin dtt'rtc lrttng| kj, til' grip ,r)r, ,ttruco l)naryl
- 'l'iL chirng kho6n V6n kinh doanlr
- 'l'il chirng kho/ur VOn ddu tu, : !l- I il g,ip v,\n. dritr ttt clrri hun
[,qri nhuf;n nhin du'<,p'c tir c6ng ty con
39.l,ailt6 ttruAn til ho4t elQng kinh doanh khdc
Thu nhip fi)r hoqlt d0ng kltric
'fhLr 1it hoat d6ng kinh doanh kh6c
Chi ptti li€n quan cl6n hogt ttQng khic
Clhi phi li€n quarr d6n hoal d6ng kinh doanhlzhlto
l,ai/16 thuin til c6c ho4t rtQng kinh doanhkhric
Quj I.20l2VNI)
Quj l.2t)l I
VNI)
210.)90.2OO
750.000.00t)
32s,206,200
8.000,000.000
960.290.200 8.32s.206.200
QLr1i,l.20l2
VNI)Quy I.201 I
VNI)
275,398,794
27 5.398,7 91
(530,205,71 7)
(530,205,7I7)
3,822,690,902
3.822,690,902
(t 7 t ,544,349)
(t71,511,3./9t
(254,806,923) 3,651,146,553
25
Page 32
3i FI 13
Ngin hdng TMCP Sdri Gdn - IIn NQi
{0. Chi phi hoat dOng
Chi nQp thui vd ctic khotin ph{, IQ phi
Chi pltf cfut nhin vi?rr
'l'rong do:
- Chi lu'ong vd phu c6p
- C6c khoin chi d6ng g6p theo lu'ong;- (. hl tr() cap
- Chi [n ca
- Chi cdng tiic xd h6i
Chi vi tiii sfin
'['rong dti:
- Kh6u hao tdi san c6 dinh
Chi cho ltoqtt dQttg qutin lit cAng vqt
Trong d6:
- Cdng tic phf
- Chi ve c6c hoat d6ng dodn th0 cua TCTD
Chi n\p phi bao hiAm, bdo eldm tiin glri cuukhticlt hdng
Chi ph{ dqt' phitng tkhdng tlnh chi phl dtrphdng rui ro tln dmtg n6i vit ngocti bang; cltt
phdng giurn giu cht\ng khodn)
Chi plti hout iIQrtg khtic
41. Tii:n vir c{c khoin tuo'ng ducrng tidn
f iOn ma1 vd c6c khoan tuong duo-ng ti€n tai
Ti€n gLri 1ai NgAn hdng Nhd nu6'c
-. )Tien eiii tlrarrh todn tai cdc TCI'D klrdc
f i6n gu'i vir cho vay c6c TCI'D kh6c c6 kj,h4n kh6ng qud 3 thiing
Chilng kho6rr c6 thoi han thu hoi lroic cl6o
hpn kh6ng c1Lr6 03 th6ng kC tir nghy rnua
287,750,318,966 223,443,939,447
Quy I.2012
VND
Qu1i,l.20l I
VNI)
3,402,833,378
I22,572,324,726
106.891 ,',7 0g,gg3
8.281,175,243
26.293.261
5^5',76.021.373
0
4I,l l6,I74,057
12.496.533.386
I I4,498,041,613
4.3 8s.424.5 83
78.3 89.909
6,086,618,215
0
14326.977
2,741,816,704
107,622,216,590
97,868.454,429
5,744.',l88.532
4.001.913.6t9
r.000,000
25,747,756,886
6.911 ,905.247
82,539,420,3 50
I .91 3,849.:]03
3 1.850.000
4,793,027,927
31t03/20t2
VND
aULtl^t201',)
V\ID
362,7 63.1 98"233
I ,009,3 9 1 ,343 .1 41
:1.549,189,318,7 49
l 2.000,050,912322
ri00.000.000.000
425,103,5 83,283
35,11 I ^525,637
3,758,245,114.699
10,108,878,23t,497
6.286,000.00{J,000
20,013,339,515,10617,721,394,932,445
l()
Page 33
liFI t}Ngdn hing I'MCP Shi Girn - IIn NQi
42.Lo4i hinh vh gi6 tri tii sin th6 ch6p cria kh:ich hhng
(iif tri sd srich (;i{ rri tai thi'i di0m l$p b6o cfo
31/03t2012 3l il2t201| 3t/03/2012 3Ut2/2011
llait cl6ng srin
i)ong stur
Chinrg til co giri
'l'di sdn khhc
26.476.505.060.1 l 0
Itt.258.296.799.53 I
3.203.140.,1 10.623
r 5.,15 7.05 7.7 86. I 8 I
2(r.u76.561.ti62.I l6
18.'.|79.77 8.)80.727
3. 1.j2"0 17.575.713
13.077.086.8 I 5.770
26. t76.505.060. I l0 26.876.56,1.lt62.1,16
r8.25[t.296.799.531 18.779.778.380.727
i.203.140.,110.623 3.132.017.575.7i3
15.,t57.057.786.181 13.077.086.815.770
63,395,000,056,4.15 6I ,865..1{7,63-1,376 6J,395,000,056,,1.15 61,865,.1-17,63.1,376
43. Nghia vB nqy ti6m in vh cric cam ki5t dua ra
'lropg qu6 trinh hoat cl6ng kinh doanh, Ngin hAng thrLc l-rien cac cdng cu tdi chinh li€n quarr
d6n c6c khodl muc ngoei b6ng cAn aOi f6 to6n. Circ cdng cu tz)i chinh ndy chtr yOu bao g6rn c6c
cam ke1 bao ldph vd lhrL tin dung. C6c cdng cu ndy cirng 14o ra nhfr'r-rg riri ro tin dung cho NgAn
hdng ngouii ciic rui ro tfn dung dd dtLoc ghi nliAn trong rroi bang.
R[ri ro tip dulg cua c6c cdng cur tdi chinli ngoai bang cJuoc clinh nghTa ld khir ndng mang din
riri ro 1i1 dupg cho NgAn hdng khi m6t trong c6c bOn lidn cluan ddn c6ng cu 1Ai chinh d6 kh0ng
thuc hiin edc dieu kltoatt cua hop dong.
Bdo ldnh tdi chinh ld c6c carn k6t c6 di0u kien mi NgAn hirng cdp cho khach hirng dC giao
dich v6i rn6t bdn thrjL ba trong c6c hoal d6ng ve bao ldnh vay vdn, btio ldnh thanh to6n, bao lltttr
thuc hi6n ho-p ddng vir bho l6nh cltL thdu. Riri ro tin clung liOn quan din viec cAp hao !5nh i,'e co
ban gi6ng rui ro cho vay kh6ch hdng.
Giao clich lhu tin dung thuong rnai trA ngay ld loai giao dicli trong d(r Ngdn lidng cung cap 1ai
chfnh cho kh6ch hdng cua minh. thdng thudng lA ngLriri mua/nhA nhAp l<hdu hdrrg lio6 vd bdn thu
hr"ro'ng ld ngg'oi b6nlnhir xuit khdLr. Ruri ro tin dung lrong thr-t tfn dung tra ngay thr.tong thdp do
hdng hori nhAp khAu duoc dirng Oe tn6 ch6p cho loai giao dich ndy'.
Giao clich thu tfn clung tra chArn se ph6t sinh rlri ro khi ho-p dong da dtto-c thLLc hi6n mir khdch
hdng kliflrrg fhanh to6n cho bdn thu huong. Cdc thLl titr clung 1ra chdrn khong drroc kh6ch hdng
thanh totil duo-c Ngan hdng ghi nhdn ld khoarr cho ru1 bar btr6c vd c6ng no luong irng thc lriern
nghia vu tiri chinli cga NgAn hdng phai thanh totin cho hen thtt huo'ng vd thttc hicn nghia vu ctla
NgAn hdng trong vi6c bao l6nh cho khrich hing'
NgAl hdlg thuo'ng yOu cAu kh6ch hdng kv qu! cli darn bao cho ciic c6ng cu tdi chintr ci li0rr
quan ddn tfl clung khi cAn thi61. Gi6 tri ky qLrlr dao cl6ng tiL 0% dcrr 100% gid tri cam k6t,Jr"t,',;
cAp, tir1,'thu6c viro rn[rc cl6 tin cdy cua kh6ch hdng do Ngdn hi\ng d6nh gi6.
2'7
Page 34
SFIIiNgAn hdng'I'MCP Sii Gdn - tln NQi
Chi tiet cdc khoan c6ng ncr ti0m 6n vd cam kOt ngoai bing vdo ngdy 3 l th6ng 03 nam 2012
nhu sau:
3ItO3t20t2
VNI)
3111212011
VNT)
Bao ldnh tiii chinh
'l'hu tin dun-q tra ngay
'l'hu'tfn dung trzi chArr
Cam k5t bdo lSrrli kh6c
2.894.999,U 17.134 2,587,953.29t,233
174.595.5tt0.495
2t6.251.245.874
82.524.834,815
338.340.916.961
199.886,935,111
82,624,834,8t5
3,368,771,478,318 3,208,805,978,726
44. Giao dich vfi c:ic bOn li6n quan
Giao dich voi c6c b6n liOn quan ldr c6c giao dich dr,roc thqc hiQn vdi c6c b0n c6 liOn quan voi
NgAn hdng. C6c bOn duoc coi ld 1i6n cluatr tr6, m6t bcn co khd ning ki6m soal hof,c c6 anh hlrong
d6ng kd cloi vcri bOn kia trong viOc ta qry6t ciinh d6i vtii cdc chinh s6ch tdi chinh vd hoat dQng.
M6t ben duoc coi ld b6n co li€n cluan v6i Ngan hang niu:
(a) 'l'rr-Lc ti6p hodc gi6n ti6p qua mdt hay nhieu ben trung giar"r. ben nd1,:
ki0m soat hoac bi ki€rn sodt hodc clriu su'kirim so6t chung boi NgAn hdng (bao gdnrc6c c6ng ty mg, c6ng 1y con);
c6 v6n g6p vdo Ngin hdng vdr do ct6 c6 dnh hucrng d6ng k€ t6i NgAn hdng;
c6 quydn d6ng ki€m so6t NgAn hdng;
(b) Ilen li6n cluan ld cdng ty liOn doanh. lien kcit nra Ngdn hdng ld m6t ben liOn doanh" li0n, i.Kel:
(c) I36n li0n cluan co thdnh vi0n ld nhdn su chinh'trong l3an 'l'6ng Gi6rn d6c cira NgAn hdng
hof,c c6ng t1'rng cira NgAn hdng:
(d) RAn liOn quan ld thdnh vien mdt thi6t trong gia dinh cua bAt k! c6 nhin ndo dd ndu trong
di6m (a) hoac (c);
(e) I30n li0n cluan la mot td chuc truc ti6p hodc gi6n ti6p chiu str ki6ni sorit. d6ng kiOm so6t
hoac chiu anli hucrng d6ng k0, hoic co quyAn bidu qu.vet bo'i b6t kj' c6 nhdn nho cltrgc clO ciip d0n
trong di0m (c) honc (d).
1'om tIt m6t sd giao clich l6n vrii c6c b6n liOn cluan lrong cluy I nam 2012 nhu sar-r:
C5c giao dich d6ng
Thanh 1o6n dich vur quang c6o
l'hrr tu dich vu uy thac ddu tu-l'hu
cO trjrc tu c6ng ty liOn quan
10,337.975,000
104,098,659,008
2r0.290.200
28
Page 35
s;FII}Ngdn hdng'I'MCI' Siri Gdn - IIn NQi
l'6m ta1 chc khodn phai thu, phai tra c6c b6n lien qr-ran t4i thoi cli6m 3l thring 03 nlm 2012 nhu sau:
Ctic giuo illclrPhiii thu
,;aongPhtii trti
.^u(,ng
Tarn [tng hop d6ng cung cAp dich vu quang ciio
Cho vai,'
Ky quj dC kirrh doanh churrg khoAIr
Uy thric dALr tu'
Tien gu'i kh6ng kj,han.-';.I ren gur co ri)'nan
2,996,673,420,006
45. Chinh srich qurin ly nii ro li6n quan d6n cic c6ng cu tdri chinh
Muc ri|u cua NgAn hdng ld t0i da hoa gi6 tri dAu tu cia co dong. git virng t6c d0 ting t.ruongr
lcyi nhufin vd rinh hinh tdi chinh ldnh manh. Do vdy. viec su dung c6c c6ng cu 1ai chinh. bao grirr
nhdn tidn gr-ri cua kh6ch hdng vd dAu tr.r vdo circ tdi san tzii chinh cti chAt hrong cao c15 tro' thdnh
hoat d6ng mang tinh thcn chirt giup Ngdn hdng clal cluoc mitc ch€nh lQch lai suAt cAn thi6t. Xdt tu
khia canh quan lf rui ro" ctiOu ndy ddi hoi NgAn hdng k0t trop mQt c6ch c6n COi giua c6c cam k6t
ngoai bang (nhu b6o l6nh vir thu tin dung) v6i c6c khoan cho vay tbing clong nQi tO cirng nhu
ngoai tg) d6i voi c6c cd nhdn vir ttl chuc thudc c6c muc dQ tin c4y kh6c nhau. Il0n canh cl6. NgAn
hdng cfrng dAu tu mot phin von luu ddng vdo cdc chri'ng khodn dau tu har cho cdc ngin hing
kh6c vay. Nhirng rui ro li0n cluan d6n lrao doi ngoai tC va thay C6i tai suAt ducrc quan ly' thOng
qua 6p dung han mirc trang th6i nhim h4n chO sq 14p trung qu6 mri'c cl6ng tho'i tham gia v:io cdc
hoat ddng c6 tiic dung cdn bang 15n nhau dd giam thieu rr-ri ro. 'fh6ng clua vi6c nlm gifr nhi0u tdi
sirn ld c6c cdng cu tiri chinh c6 ch6t luong cao, co c6u bdng cAn cl6i k6 to6n h-op rrh6t cira NgAn
hdng co clu kha ndng phong ngira riri ro trong yeu lrong clud trinh hoat dQng kinh doanh vir ctdrm
bao khA ndng thanh khoan. ThOm vdo d6. NgAn hdng cfrng tham gia vdo nhicu giao dich phong
ngira rui ro li0n quan dcn cdc c6ng cu tdi chinh nhtL cdc cam kit lroan doi ngoai t€ cho muc dich
quan ly rui ro lai sudt.
T'rong c1u6 trinh qudn ly rui ro tin dung, NgAn hdng dl su dung c6 hiOu qua CAm nang 'I'in
dung trong d6 ghi chi tiir cdc chinh sdch vdr thil tuc cho vay cffng nhu cdc hu6'ng din thuc hien dd
chuAn h6a circ hoat d6ng tin dung cura NgAn hirng. I{ui ro thanh khoAn cluoc han ch0 tlt0rrg qua
viOc nim giir mQt s5 lucr-,rg lon tiAn mdt vir c6c khoan tuong du<rng ti6n duivi clang 1di khodrn
Nostro. c6c hhodn tien gui co ky han tai Ngdn hdng Nlrd nucrc vdr cdc to chuc tin dung kirac vir
c6c gi6y to'c6 gi6. C6c ty 16 an toirn c6 tinh dOn yeu t0 rui ro cfrng duoc st'dung d6 quAn l;; rui ro
thanh khoan. Ngdn hirng thurrng tien lranh d6nh gi6 chenh lecli ldi sudt, so siinh vdi cfc thi trud'rg
trong nu6c va c1u6c t6 de cO nhirng rliiu chinh kip thtri. 1'h0m vdo d(r, viOc 6p dung c6c cluy trinh
quan ly' rui ro nQi bO ciurg trd nOn hi6u clua hcrn nhd viec triin khai IIe thong Qrran 11' Von 'l'Ap
trung vi lle thong'l'hanh todn't'Ap trung, thco do toan bir cdc giao dich von vd thauh todn cia
Ngdn hdng cidu do tl6i sti chinh thuc hiOn. Viec do cho phep Ngdn hdng giiirn sdt hieu quri hcm
1 68.943.84s.012.00
It l 0.91 0,503.68 I
999,697.907
I .905.819.373.406
1.447,676.780,588
737,500,000,000
2,185,176,780,588
29
Page 36
si[:II}Ngdn hirng I'MCP Siri Gdn - lIh NQi
46. Rrii ro tin dgng
ILui ro tfn dung ld kha ndng xdy ra t6n th6t trong hoat cl6ng ngAn hdng cua t6 chrjrc tfn dung do
kh6ch lidng khdng thiLc hi0n hoic kh6ng c6 kha ndng thr.Lc hien nghla vu cua mirrh theo carn kdt.
NgAn hdng ki6m so6t vir quAn ly rui ro tin dung bing cdch thi6t l6p han mr"1c thanh to6n tuo'ng
iLng v6.i mflc d6 rui ro mii ngdrr hdng c6 th6 chdp rrhin clu'oc ddi v6'i rn6i khrich hdng vd aOi vOi
nr6i lirrh \ rrc dia ly. rrgrirrlr nghc.
NgAn hdlg da thi6t lAp quy trinh sodt xe1 chAt luo-ttg tin dung clio ph6p du'b6o s6'm nhirrrg
thay ddi ve tinh hinh tdi chfnh. l<hA ndng tra ncr cua cAc ben cl6i tiic dr-La tr6n c6c y6u t6 dinh tinh,
dinh lr,Lo-pg. Ilan miLc tin clung OOi vO'i m6i knach hAng duqc lhiir lAp th6ng qua vi€c su'dung he
th6ng x6p hang tfn clung. trong cl6 m6i khdch hirng cluoc xip loai o rn6t mirc d6 rtri ro. Mflc dd
rii ro nir1, c6 th€ duo-c srLa d6i. c6p nhAt thrLdng xuye n.
47. Rrii ro thitrudng
47.1. Rtii ro tdi suAt
Thdi han dinh lai liii su6t thr,rc 16 ld thd'i han cdn lai tinh tiL thd'i di6m lap biio c6o tdi chfnli
cho toi kj,'dinh lai lai suAt gAn nh5t ctia cac khodn muc t?ri san vd ngu6n v6n'
Cric giA ctinh vd dier-r ki6n san duo-c 6p dung trong phAn rich thd'i han dinh lai 16i sudLt thtrc tC
cua ciic t;ii san vd c6ng no- cita NgAn hdng:
't'iep rndt, vdlg bac d6 quyl g6p vdn dliu trL ddi harr vd c6c tdi sdn co kh6c (bao gorn tiri
sdn c6 dinh, bAt dQng sin clAu tu vd tiri san c6 kh6c. triL uy th5c <JAu trr') duo. c x6p loai
l<hoan muc khdng bi inh hLLong do dirrh lai ldi stritl
l'idn gLIi tai NgAn hdng NhA nLr6'c Vi0t Narn cluoc x6p loai tidn giLi lhanh to6n do d6 kj'
han clinh lai lii su6t thLrc t6 drroc x6p loai d6n rn0t thirng:
'l'hoi han dinh lai l6i su6t ttiuc t6 cua ch[Lng klioiin clAtr ttt vi chung l<lrodn kinh doanh
cJrLirc tinh dp'a trOn thd'i gian d6o han thLrc t6 tai thd'i di0rn lAp b6o c6o tai chinh cua tilng
loai chftrg khorin;
'l'ho'i hal dinh lai l6i su6t thUc t6 cua cac khoan tiin giri vdL cho vay ciic l'C'fD; cdc
Itho6n cho vay khrich hdng; ci{c khoan Iro chfnh phLr v}r NgAn hdng Nhd nu6'c Vi6t
Nam: cdrc khoip tidn grLi vA vay c6c'l'6 chflc lfrr dung va khoan rnuc 1i0n gLi'i cua khricli
hAng duo-c xdc clirrh nhu sau:
C6c khoan muc cci ldi su6r "6
dinh trong su61 thrii gian cua hdp dong: 'l'hoi han dinh lai ldi
suSt thuc 15 dUa trdn thoi gian d6o han thuc t6 tinh til thiri diem ldp b6o crio tdi chfnh.
Cdc khoiir1 muc c6 ldi suAt thir ndi: T'hoi han clinh lai ldi suAt tlirLc t€ <.:ua cac hcrp ddng cho
vay c6 thoi gian d6o han cdn lai cludi 6 th6ng clttoc xiic dinh drLa trOn tho'i gian d6o han cdn lai:
i0
Page 37
fi I.rr3Ngdn hing l'MCl' Sii Gdn - lln NQi
c6c ho'p cl6rrg c6 thoi -eian cl6o liarr con lai trcrr 6 thirrg drt,.rc rip rao loai tir -i thang d6n 6lhdng;.
do k! dinh lai lai sudt cLra NgAn hdng t6i da ld 6 th6ng m6t lAn.
'l'hdi han dirrh lai l5i suAt thrrc t5 cua khoarr rruc ngudn vdn 1di tro u1,' th6c clAu tu. cho
vay mir t6 chrjlc tin dung chiu riri ro duo-c tfnh dua 1r0n thd'i gian drio han cdn lai cua
tiLng ho-p ddng:
'l'lid'i lian dinh lai ldi sr.r6t cira c6c khodn nr.r lih{c dLloc xdp vdo khoan mr,rc kh6ng bi
anh huong clo dinh lai ldi su6t hodc k! han tir I th6ng ddn 3 thdng. 'l'rong thr,rc 16. cdc
hhoan muc nd1'co th6 c6 thdigian clinh lai lii su6t kh6c nhau.
:il
Page 38
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SFIBNgffn hing 'I'MCP Sdi Gdn - lle NQi
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I{Lri ro tidn te ld rui ro rnd giri tri cua c6c c6rrg cu tdi chfnh bi thay doi xLrat phrit til nhilng., .;. ).
tnav d()r ve [\, ata.
NgAn t*i* Ou-.,. thdnh lAp va hoat d6ng tai Viel Nanr v6'i d6ng tidn brio c6o ld VND. D6ng
tidn giao dich chfnh cr-ra NgAn hdng cfrng ld VND. Cfc l<hoan cho vay vd h'ng tru'6'c khrich hdng
c[ra NgAn hdng chu riu bing VNf). rnot phdn bang tjSI) vii lrtJll.. -l'uy nhien" rn6t s5 tdi san
kh6c cua NgAn hdng lai bang c6c ciong tidn khdc rrgoai VNI). IJSD vd EUR. NgAn hdng ctd dua
ra m6t he thdng han mirc d6 qu6n ly trang th6i cira cdc cl6ng tidn. Trang thrii cl6ng tidn du'oc
quAn llr lr6n co so hhng ngdy vd chicn luo-c phong ngla r[ri ro duoc NgAn hdng sir dung cl6 dam
bAo rang trang th6i cua c6c d6ng ti6n duo-c duy tri trong han m[rc dd thi6t l6p.
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I{Lri ro thanh khoan ld riri ro NgAn hdng gap kh<i khdrr trong viec thuc hi6"n nhfr'ng nghiavu cho cdc cdng no 1di cliinl-r. ILLri ro thanh khoan phiit sirrh khi Ngdn hhrg c6 th6 khdng dn khendng thr-Lc hi6n nghia vu 1rA nr1 khi nhitng cdng no niil'den han ci nhiing tho'i di6rn binh thuonghodc khri khirn. Dd giam thiiu rLri lo thanh khoan. rrgAn hiing phai huy cl6ng tr)r'nhi€u ngudn da
dang khdc ngodi ngu6rr v6n ctr ban cua ngAn hring. I)ong thiri ngdn hdng cAn c6 chfnh s6ch
quan 11,' thi san c6 lfnh lhanh klioArr linh hoat. thco ddi ddrrg tierr tLro'ng lai vA tirrh thanh khoarr
hdng ngi\1,. Ngdn hdrrg ciing cAn drirrh girl ddng tii:n cfi,r kieLr vd kha ndng sin c6 cira tdi sdn clarn
bAo hie rr tdri trong trut)ng ho-p cAn huy d6ng thCm ngu6n v6n
'l'hoi gian d6o han cira c6c 1di sdn vd c6ng no tl-rC hien lhoi gian cdn lai cr"ra tAi sAn vd cdngno' tfnh til ngdy l6p b6o c6o tdi chinh d€n khi tlrarrh toiirr thco cluy dinh trong htrp d6ng ho[ctrong dieu khoin ph6t hdnh.
Cdc gia dinh vd cliiu kien sau duo-c 6p clung trong phArr tich thoi giarr dCn han cua ciic taisdn vd cdng no- cua NgAn hdng:
'l'idn giLi tqi Ngdn hdng Nhd nu'6'c Vie't Narn ciutrc' sip loiri tiin girilhanh to6n, trong ciii
bao gdm.tiOn gui du trir bit budc. 56 drL ua ti0n gtLi du'lriL bit bLrdc phu thLr6c: v?icr
tlidnh phdn vd kj, han cua c6c khoAn ti6n grii l<hiich hdng cua Ngdn hirng:
'l'hr'ri gian d6o han cua chfrng khodrr diu trr dutrc littlt clrLa trdn ngdy'cLio l-ran cua tilngloai chfrng khodn;
('htrng khodn kinh cloanlr dtto-c xep riio lr'ai kj lran din I thdng:
l'hiri gian d0n han cua ciic khoin tiOn gu'i vA cho vay c:ic l'(l'fD vd citc khoan cho t':tr,khrich hdng cluoc xdc dinh dua vdo ngay clCn han .r.'o l'r,rp cldng qu1 clinh. 'l'hir: gian tliiihan thuc t0 co thO thay ddi do c6c khd r-Lri'c cho va1' dr-Loc gia han. Ngodi ra, c6c khoancho vay kh6clr hing duoc thi hi€n bdrrg giri tri g6c kh6ng bao g6m dLr phong rui io.'l'hoigian d5n han cira c6c khoAn dALr tLl g6p v6n rnua c6 phin dr.Lo-c coi lir htrn rnot ndm
do c6c khodn ddu tu ndy kh6ng c6 thd'i gian cl6o han xiic dinh;
Ciic khoan 1i6n gili, tidn vay cua ciic td chirc tfn clr-rr-rg vd'ciic khoan tiOn gi'i cua khiicliharg duo-c xdc dinh dr"ra vdo tfnh chdt cua ciic khoan niy hodc thd'i gian d6o han tre n
ho. p ddng. 'fdi khoin Voslro vd tierr gu'i tlranh toan duoc thuc hi€n giao dich theo 1,0ucAr,r cua kh6ch hdne. vd do d6 duoc xcp loai khtirrg kj han. 'fhd'i.giarr cl6o han d6i vriicac hhoan vay vii ti6n giili.'i han diLqc xiic clinh clLla tr0n ngdy d6n han thco ho-p d6nii.'l'rong thr"Lc te. ciic khoArr ndy c6 th6 dr.Lo-c c1Lra1' vdng vd clo d6 dr-r1- tri trong thd'r giancldi hon thd'i gian ddo han ban dAu;
'lhoi gian dCn han cua 1di san c6 dinh duoc xiic dinli drLa vdo thd'i gian su'dung hfrtr ich
cott lai cua tiri san.
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