ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 3 năm 2013 td bảng cân đối kế toán

Lb bleu I /re Toan Trtrivng jilv nal, Ngdy thing Min 2013 TOng Giam Dew MICOPHH SAI CON.NA NW Nv Virang Thank Huybs Ninh Th an Phteeng B NQ PHAI TRA VA VON CHU SO HITU I Clic khan

M SHB

NGAN HANG THUONG M)SI C6 PHAN SAI GON - HA NQI

77 Tran Hung Dao - Quan Hoan Kidm - Ha N6i

Tel: 04.39423388 Fax: 04.39410942

Bao cao tai chinh rieng le

Quy III nAm 2013

MAu s6: Q-Ola

TD - BANG CAN DOI Kt TOAN

Chi tieu MA chi Thuyet lieu minh SA cu6i ky

Don vi tinh: VND

SO dau nam

A TAI SAN

HI Tien, yang girl tai cac TCTD khac va cho vay cac TCTD khac 130 17 18,762,586,838,065 29,624,498,120,631

1 Tidn, yang girl tai cac TCTD khac 131 5,658,191,417,629 20,758,858,280,631

2 Cho vay cac TCTD khac 132 13,144,085,001,951 8,890,044,000,000

3 Dv ph6ng rai ro cho vay cac TCTD khac 139 (39,689,581,515) (24,404,160,000)

2 Dv ph6ng giam gia chimg khoan kinh doanh 149

V Cac eon cm tai chinh phai sinh va cac tai san tai chinh khic 150 18 5,846,612,060

1 Cho vay khach hang 161 19 65,469,275,214,547 56,871,071,024,884

2 Dtr phOng rid ro cho vay khach hang 169 20 (1,743,314,884,459) (1,250,430,830,861)

1 Chimg khoan dal] tu san sang dd ban 171 8,768,837,200,346 8,268,595,920,125

2 Chimg khoan dau tu giir ddn ngay dao han 172 5,760,197,088,505 4,290,543,803,540

3 Du phong giam gia chirng khoan dau tu 179 (9,128,439,017) (9,863,783,316)

3 Dan tu vao cOng ty lien kdt 213

5 Du phong giam gia dau tu dai han 219 (48,587,181,632) (60,241,265,051)

1 Tai san co dinh huu hinh 221 23 332,457,119,156 392,745,384,728

a Nguyen gia TSCD huu hinh 222 614,430,014,755 679,142,188,737

2 Tai san co dinh thud tai chinh 224

3 Tai san cd dinh vd hinh 227 24 3,718,663,464,502 3,724,641,882,692

a Nguyen gia TSCD vo hinh 228 3,825,243,222,919 3,807,152,344,578

2 Cac khoan MI, phi phai thu 252 5,625,267,976,049 4,461,258,546,259

- Trong do: Loi the thuang mgi 255

5 Cac khoan du phong riti ro cho cac tai san Co nOi bang khac 259 (9,171,959,395) (9,171,959,395)

300 116,161,184,951,959 115,945,054,477,051

Lb bleu I /re Toan Trtrivng jilv

nal, Ngdy thing Min 2013

TOng Giam Dew

MICOPHH SAI CON.NA NW

Nv

Virang Thank Huybs Ninh Th an Phteeng

B NQ PHAI TRA VA VON CHU SO HITU

I Clic khan nq Chinh phti vi NHNN

II Tien giri va vay ctia cac TCTD khac

1 Tien gin elm cac TCTD khac

2 Vay cac TCTD khac

III Tien Oki cua khich hang

IV Cfic cong cy tai chinh phai sinh va cac khoan nq tai chinh khic

V VOn tai trq, uji thac dAu ttr, cho vay ma TCTD phai chin rui ro

VI Phat hanh giAy tir co gia

VII Cac khan Nq khic

1 Cac khoan lai , phi phai tra

2 Thud TNDN hoan Iai phai tra

3 Cac khoan phai tra va cong nq khac

4 Dv phi:mg rui ro khac

TOng Nq phai tra VIII Vim va cac pi"

1 Von cda TCTD

a Van diJu le

b Van dau tuXDCB

c Th4ing du van ca phan

3 Chenh Lech ty gia hoi doai

4 Chenh lech danh gia lai tai son

5 Led nhuan chua phan phi

VIII Lyi ich cua co Tong thieu so

A, TONG NO PHAI TRA VA VON CHU sei Hifti

• CAC CHI TIED NGOAI BANG

NG I

Nghia vy nq tiem an

WIN 1 Bao lAnh vay von

SsM 2 Cam k'et trong nghiep vv L/C

3 Bao Faith khac

:Solid partne rs ❑ herlIalo solutions

NGAN HANG TMCP SAI GON - HA NCH

77 TrAn Flung Dao - QuAn lioAn Kie'rn - HA NOi

Tel: 04.39423388 Fax: 04.39410942

Bao coo tai chink Hag le QuSi III want 2013 Mau so: Q-02a

TD - BAO CAO KET QUA HOAT DONG KINH DOANH -

Don vi tiny: VND Luy Ice tir du nam Ucn cutii Quji III

III Lai/I8 thuan tir hoot di)ng kink doanh ngooi hoi 07 35 38,359,371,493 5,466,802,936 130,317,951,907 37,900,931,992

VIII

IX

Chi phi hog dOng

nhulin thain tir hoot Ong kink doanh trtro.c

chi phi du phong rai ro tin dung

1,207,641,789,383 670,369,627,614

1,604,395,87(1,712 26,572,087,660

XI Tiing 19i nhuan trtrOc tittle • 17 321,211,295,840 (1,672,578,857,368) 730,308,106,909 (1,079,815,542,007)

178,288,534

178,288,534

(1,079,993,830,541)

(*) So lien thu th"ap, chi phi QuJi 111.2012 boo gom phdt sink quji 111.2012 aia SHB va so pl a it sinh 9 timing ctia HBB nhnn vd sort sap nhOp

Chi tieu

NGAN HANG TMCP SAI CON - HA NOI

77 TrAn Hung Do - Quart Floan Kiem - Ha NOi

e tir dau Dam den eu6i qu}, III

I LUU CHUYEN TIEN Tir HOAT KING KINH DOANH

1 Thu nhap Ili va cac khoan thu nhap ttrang to nhan duqc 01

2 Chi phi 181 va cac chi phi Wang ttr da tra 02

3 Thu nhap tit hoot dOng dich vu nhan &roc 03

5,617,993,187,105 (5,878,827,054,525) 97,491,321,708

10,796,007,471,800 (10,661,509,888,040) 92,734,482,455

4 Chenh l''ch s6 tien thuc thu/thuc chi tir hoat dOng kinh doanh 04

6 Tien thu cac khoan no cla dtroc xir 1y xth, bit dap bang ngu6n dkr 06

7 Tien chi tra cho nhan vidn va hoot dOng quan IY, cong vu (*) 07 (1,124,986,966,541) (1,524,288,488,664)

8 Tien thue thu nhap thirc nOp trong ky (*) 08 (81,589,727,453) (279,587,096,985)

Liu chuytn den than tir hoot dOng kinh doanh trtger nhamg 09

Nhang thay doi v'd tai san hogt el(mg

9 (Tang)/Giam cac khoan tien, yang giri va cho vay cac TCTD khac 10 11,617,713,308,617 (17,332,056,881,197)

10 (Tang)/Giarn cac khodn ye kinh doanh chimg khoan 11 (1,953,203,677,291) (4,926,703,884,759)

11 (Tang)/Giam cac cong co tai chinh phai sinh va cac tai san tai 12

12 (Tang)/Giam cac khoan cho vay khach hang 13 (8,598,204,189,663) (17,952,131,326,323)

13 (TAng)/Giam nguOn du phOng de bit dip ton that cac khoan (tin 14

14 (Tang)/Giam khac ve tai san hoot Ong 15 (632,192,747,434) (4,417,880,087,460)

Nhang thay doi vd cong nv hoot dOng

16 Tang/(Giam) cac khoan tien girl, tien vay cac TCTD 17 (6,978,685,547,098) 5,213,966,937,795

17 Tang/(Giam) tien girt tha khach hang (bao Om ca KBNN) 18 2,968,609,504,198 30,810,122,383,778

18 Tang/(Giam) phat hanh giay to co gia (ngooi tru giay to co gia phat 19

hanh &roc tinh vao hoot dOng tai chinh) 4,461,133,123,928 (6,936,315,092,578)

19 Tang/(Giam) von tai trq, uy thac dau ttr, cho vay ma TCTD chiu rill 20

20 Tang/(Giam) cac ding cu tai chinh phai sinh va cac khoan no tai 21

Luu chuyin tier' than tir hoat Ong kinh doanh 24 (133,595,334,358) (16,076,508,101,639)

II LVIU CHUYEN TIEN Tif BOAT BONG DAU TV

5 Tien thu tir ban, thanh 1Y bat Ong san dau to 29

6 Tien chi ra do ban, thanh 1y bat Ong san au to (*) 30

9 Tien thu c6 tirc va Icti nhuan &roc Chia tir cac khoan au ttr, g6p 33

III LVU CHUYEN TIEN TV HOAT BONG TAI CHINH

1

Lap bi7 (y:1) /61,fe tan trtrOng 47

I

Vtratig Thanh Haydn Ni hi Lan Phwang

ngay Mang nam 2013

Tong Giant dOc

\SAI GoN Ili Nal

1 Tang von co phan tir g6p von va/hoac Oat hanh co phieu 35

Tien thu tit phat hanh giay to co gia dai han c6 du dieu kien tinh

vac, von tq c6 va cac khoan von vay dai han khac

4,051,455,000,000

Tien chi thanh town giay to co gia dai hall co du dieu kien tinh vao 37

von tq c6 va cac khoan von vay dai han khac

4 Co tirc tra cho co (long, lqi nhuan da chia (*) 38 (823,910,680) (248,063,192,315)

5 Tien chi ra mua co phieu ngan guy (*) 39

6 Tien thu duqc do ban c.6 phieu ngan qujf 40

V Tien va cac khan ttro'ng dtrong tien tai thtri diem du kk 43 11,665,810,449,612 20,013,338,515,106

VI Dieu chinh anh hung caa thay doi ty gia 44

VII Tien NI cac khan two'ng throng tien tai thei diem cuOi ky 45 11,202,560,113,264 5,577,250,095,383

2

TAI CHINH RIENG LE

Cho Q4 III nam 2013

Ngan hang TMCP Sai Gen — HA NOi

THUYET MINH BAO CAO TAI CHINH RIENG LE

Quy III nam 2013

1 Thong tin vi ngan hang

Giay phep hoat dOng 0041-NH/GP ngdy 13 thang 11 nam 1993

GiAy phep hog dOng do Ngan hang Nha nu6c Viet Nam cap Thai han hog dOng dia Ngan hang la 40 nam ke tir ngay cap gray phdp dAu tien

110i Wing Quin tri

Ong DO Quang Hien

Ong Nguyen Van Le

Ong TrAn Ngoc Linh

Ong Pham Hong Thai

Ong Pham Ngoc Than

Ba Dam Ngoc Bich

Ong Le Quang Thung

Tai bO nhiem ngay 05 thang 5 nam 2012 Tai bO nhiem ngay 05 thang 5 nam 2012 Tai bO nhiem ngay 05 thang 5 nam 2012

BO nhiem ngay 05 thang 5 nam 2012

BO nhiem ngdy 05 thang 05 nam 2012

BO nhiem ngay 05 thang 05 nam 2012

BO nhiem ngay 05 thang 05 nam 2012

Ban kiem soat

Ong Pham H6a Binh

Ong Nguyen Hiru Dirc

BA Hoang Thi Minh

Ong Biai Thanh Tam

Ban Ting Giant d6c

Ong Nguyen Van Le

Ong Dang Trung Dung

Ong Le Dang Khoa

Ong Nguyen Huy Tai

BA Ng6 Thu Ha

Ba Ninh Thi Lan Plurcmg

Ba Dang TO Loan

TruOng ban Ph6 tru6ng ban ThAnh vien Thanh vien

TOng Giam dOc PhO TOng Giam dOc PhO TOng Giam dOc PhO TOng Giam dOc Pho TOng Giam dOc PhO TOng Giam dOc kiem Ke toan Twang Pho TOng Giam dOc

Tai 1)6 nhiem ngdy 05 thang 05 nam

2012 Tai boo nhiem ngay 05 thang 05 nam

2012

BO nhiem ngAy 05 thang 05 nam 2012 Tai bO nhiem ngdy 05 thang 5 nam 2012

Tai bo nhiem ngdy 21 thang 5 nam 2010

BO nhiem ngdy 01 thang 9 nam 2006

BO nhiem ngAy 10 thang 4 nam 2009

BO nhiem ngay 18 thang 02 nam 2013

BO nhiem ngdy 15 thang 3 nam 2011

BO nhiem ngay 08 thang 06 nam 2012

BO nhiem ngay 09 thang 10 nam 2012

Try ser chinh SO 77 - TrAn Hung Dao - Q.Hoan Kiem - TP.HA NOi - Viet Nam

Ngan hang TMCP Sai Gan — Ha NOi

2 D4c diem hoat dOng to chfrc tin dung

Ngan hang Thixcmg m4i CO phAn Sai GOn - Ha NOi (duai day goi tat la "Ngan hang") la mot ngan hang thuang mai co phAn Viet Nam thanh lap tai nude COng hem Xa hoi Chii nghia Viet Nam voi th6i gian hoat dOng la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 dm Ngan hang Nha nix& Viet Nam Von dieu le ciia Ngan hang tai ngay 30/09/2013 la 8,865,795,470,000 dOng (Tam nghin tam tram sau aural lam tSf bay tram chin lam trieu bon tram bay nghin dOng) Wei chinh cua Ngan hang dal tai SO 77 - TrAn Hung Dao - Q.Hoan Kiem - Ha NOi - Viet Nam Tai ngay 30/09/2013, Ngan hang c6 4.145 nhan vien (DAu nam 2013: 4.463 nhan vien)

3 Tom tit cac chinh sach ke than chi' y4u

Chun mtrc va ch6 di) ke than AL) dung

Ngan hang trinh bay cac bao cao tai chinh bang dOng Viet Nam (VND) theo Luat cac TO chirc Tin dung, Luat sira d6i va b6 sung mot so dieu trong Luat cac TO chirc Tin dung, cac chu'An mgc ke toan Viet Nam va He thOng Ke toan cac to chirc tin dung Viet Nam

Ky bao cao va don vi tien to

KS/ bao cao cua Ngan hang bat dAu tir ngay 01/07/2013 va ket thiic vao ngay 30/09/2013 Dan

vi tien te sir dung trong ghi chep ke toan la dOng Viet Nam (VND)

4 Nguyen tic ghi nh4n cac nghiep vu bang ngoai to va quy doi

Theo he thOng ke toan cua Ngan hang, tat ca cac nghiep vu Oat sinh cua Ngan hang ducyc hach toan theo nguyen te Tai th6i diem cu6i nam, tai san va cong no c6 nguOn g6c ngoai te: dirge quy dOi sang VND theo tS/ gia quy dinh vao ngay lap bang can d6i ke toan Cac khoan thu nhap va chi phi bang ngoai to cCia Ngan hang &roc hach toan bang VND theo tS, gia vao ngay Oat sinh thong qua giao dich mua ban ngoai te Chenh lech tS, gia do danh gia lai cac tai khoan kinh doanh ngoai te duvc hach toan vao bao cao Ket qua Hoat &Ong Kinh doanh va loi nhuan de 14i Chenh lech tSt gia phat sinh do quy dOi cac tai san va cong no khac bang ngoai te sang VND &roc xir ly vao doanh so cua cac khoan muc thong irng tren bang can d6i ke toan vao ngdy lap bao cao tai chinh

5 Chfrng khoan dau to gift den ngay dao hum

Chang khoan no gift den ngay dao han la cac chirng khoan c6 kSi han co dinh va cac khoan thanh toan c6 dinh hoac c6 the xac dinh &roc va Ban TOng Giam d6c coy dinh va co kha nang gift den ngay dao han Ngan hang Bang ghi nhan cac chirng khoan nay theo gia g6c cong 'al du thu trir lai ch6 phan WO Gia tri phu trOi hoac chi& khau (n6u co) cling &roc phan anh vao gia tri ghi so cira khoan dau fix Lai &roc du thu hoac phan bo theo phucmg phap dung thang Chirng khoan duot gift den khi dao han se &roc xem xet ve kha nang giam gia Chirng khoan dugs lap du ph6ng giam gia khi gia tri thi truemg nh6 han gia tri ghi s6 Du phOng giam gia &roc ghi nhan vao bao cao ket qua hoat dOng kinh doanh

SHB

Ngan hang TMCP Sai Gen — Ha NOi

6 Chung khoan dau tir san sang a ban

Chung khoan dAu to san sang de ban la cac chirng khoan dugc git trong th6i gian khong An dinh truac, co the dugc ban de clap ang nhu c'au thanh khoan hoac de irng ph6 vai twang hop thay d6i lai suk, ti gia, holac gia tri chfrng khodn Ngan hang clang ghi nhan cac cfnang khoan nay theo gia gOc Ong lai du thu trir raj chi phan 1306 Gia tri phu tri hoac chiet khAu (nett co) ding dugc phan anh vao gia tri ghi s6 cua khoan dau tu Lai dugc du thu hoac phan be) theo phuang phap duang thang Cac chang khoan nay dugc danh gia dinh kSi theo gia tri thi twang va du ph6ng giant gia tri se dugc lap khi gia tri thi twang nho han gia tri ghi se) Du phOng giam gia dugc ghi nhan vao bao cao ket qua hoat deng kinh doanh

7 Chtimg khoan kinh doanh

Chung khoan kinh doanh la chi:mg khoan ban dAu dugc mua va nam gift cho muc dich kinh doanh trong ngan han hoac neu Ban Tong Giam (I& guy& dinh nhu vay Ngan hang clang ghi nhan cac chang khoan nay theo gia gOc vao ngdy giao dich Trong cac kST tiep theo, cac chting khoan tiep tuc dugc ghi nhan theo gia gOc Tuy nhien, gia tri thi twang cua cac chimg khoan van dugc Ngan hang theo doi de danh gia ve kha nang giam gia khi gia tri thi trugng thAp han gia gOc Ngo41 tar truing hop khong the xac dinh gia tri thi truing met cach chac chan thi gia tri cua chfing dugc tinh dim tren nguyen gia sau khi trir di ton thk trac tinh (neu co) Lai hoac 16 tit kinh doanh chirng khoan &roc ghi nhan tren bao cao ket qua hoat Ong kinh doanh theo s6 thuAn

8 Cac khoan cho vay

Cac khoan cho vay ngan han co kSi han dugi 1 nam; cac khoan cho vay va cho thue tai chinh trung han c6 kST han tit 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han c6 IcY han tren 5 nam ke tir ngdy giai ngan

Viec phan loaf ng va lap du ph6ng rui ro tin dung dugc thuc hien theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh se) 18/2007/QD-NHNN ngay 25

thang 4 nam 2007 dm Thong d6c Ngan hang Nha nu& Viet Nam Cac khoan cho vay dugc phan

thanh nam nhOm ng can cu vao tinh hinh tra no va cac y6u t6 dinh tinh nhu sau:

Nhtim 1: No' tieu chucin

• Cac khoan ng trong han ma Ngan hang danh gia la c6 du kha nang thu hOi day du ca g6c va lai dung tiled han;

• Cac khoan ng qua han dual 10 ngay va Ngan hang danh gia la c6 kha nang thu hOi

clay du g6c va lai bi qua han va thu hOi dAy du ge)c va tat dfing thai han con lai;

Nhom 2: No can chi oi

• Cac khoan ng qua hart tir 10 ngay den 90 ngay;

• Cac khoan no dieu chinh kSi han tra ng lan dAu;

Ngfin hang TMCP Sai Gan — Ha NOi

• Cac khoan no ca cAu lai thoi han tra no trong han theo thai han duoc co cAu 14i

NhOin 3: No chthi tieu chudn

• Cac khoan no qua han tir 91 den 180 ngdy;

• Cac khoan no ca cL lai thOi han tra no lAn du, trir cac khoan no dieu chinh kST han tra

no lAn dau phan loai vao nhom 2;

• Cac khoan no duoc mien ho4c giam tai do khach hang khong du kha nang tra lai dAy dfi theo hop d6ng tin dung;

NhOm 4: No nghi ngo

• Cac khoan no qua han tir 181 den 360 ngay;

• Cac khoan no ca cL lai thoi han tra no lAn dAu qua han dudi 90 ngay theo tiled han tra no dugc co cL lai lAn dAu;

• Cac khoan no ca cAu lai theyi han tra no lAn thin hai;

Nhom 5: c6 kha nang mat van

• Cac khoan no qua han tren 360 ngay;

• Cac khoan no ca cAu lai thai han tra no fan dAu qua han tit 90 ngdy tra len theo thOi han tra no duoc ca cAu lai lAn dAu;

• Cac khoan no ca eau lai thOi han tra no lAn thir hai qua han theo thOi han tra no duoc ca eau lai lan thir hai;

• Cac khoan no ca cAu lai thOi han tra no ran thu ba tra len, ke ca chua bi qua han ho4c da qua han;

• Cac khoan no khoanh, no ch6 xfr

Theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh s6 18/2007/QD-NHNN ngay 25 thang 4 nam 2007, doi vai cac khoan no qua han, t6 chirc tin dung phan loai lai vao nhOm no c6 rUi ro thAp han khi Ngan hang danh gia la co du kha nang thu h6i dAy

du ca g6c va lai; va khach hang co tai lieu, 116 so chung minh cac nguyen nhan lam khoan no nay qua han duoc xit ly, khac phuc Ngan hang cha d6ng fix guy& dinh phan loaf cac khoan no vao cac nhOm no rai ro cao han tuang Ung vai mirc d6 rui ro khi xay ra mot trong cac twang hop sau day:

• Khi co nhang dien Wen bAt loi tir tac d6ng tieu cue den moi trueng kinh doanh va linh vuc kinh doanh;

• Cac chi tieu tai chinh cua khach hang ho4c kha nang tra no dm khach hang bi suy giam;

• Khach hang kh6ng cung cap cho Ngan hang cac thong tin tai chinh kip thOi, dAy du

va chinh xac de Ngan hang danh gia kha nang tra no dm khach hang

Dv ptieng rid ro tin clking: Viec tinh du phong cu the dugc can cu tren cac -ES/ le ap dung cho

timg nhOm no nhu sau:

SHB

Ngan hang TMCP Sai Gen — Ha NOi

9 Tai san do dinh

Tai san c6 dinh dugc the hien theo nguyen gia trir di khau hao luy ke Nguyen gia bao g6m toan b0 cac chi phi ma Ngan hang phai b6 ra de CO dugc tai san c6 dinh tinh den thOi diem dua tai san do vao trang thai san sang sir dung Tai san c6 dinh dugc tinh khau hao theo phuong phap du6ng thang de trir dan nguyen gia tai san trong sucit th6i gian hat dung tr6c tinh nhtr sau:

- Nha caa, vat kien true 25 nam

- Phtrang tien van tai 06- 10 nam

-Tai san c6 dinh him hinh khac 04 - 07 nam

-Tai san c6 dinh vo hinh khac 02 — 20 nam Quyen sir dung dat dugc khau hao theo phtrang phap du6ng thang phi hgp vdi Giay chUng nhan quyen sir dung dat Quyen sir dung dat vo thai han dugc ghi nhan theo gia g6c va khong tinh khau hao

10 Ti&I va cac khoan tuctng &rung tier'

Tien va cac khoan tuang &rang tien bao g6m tien mat, yang, da quji, tien giri thanh toan tai NHNN, tin phieu Chinh pha va cac giAy to co gia ngan han du dieu kien chit khau vai NHNN, cac khoan tien gai thanh toan va tien giri, cho vay tai cac t6 chirc tin dung khac co th6i han dao h4n khong qua 3 thang ke tit ngay gfri

11 Cac cong cu tai chinh phai sinh

Cac cong cu tai chinh phai sinh dugc ghi nhan tren bang can, d6i ke toan theo gia tri hop d6ng vao ngay giao dich, va sau dO dugc danh gia 14i theo gia tri hop 1j Lgi nhuan hoac 18 khi cac cong

Ngan hang TMCP Sai Gan — HA NOi

cu tai chinh phai sinh dugc thkrc hien dugc ghi nhan trong bao cao ket qua hoat dOng kinh doanh Lgi nhuasn ho4c 18 chtra thirc hien dugc ghi nhan vao khoan muc chenh Lech danh gia lai cac ding

cu tai chinh phai sinh tren bang can d.tii ke toan va dugc ket chuyen vao ket qua hoat d6ng kinh doanh vao thod diem cu6i nam

12 Ghi nhAn thu nhAp/ chi phi lAi

Ngan hang ghi nh4n thu nhap tir lai va chi phi tai tren bao cao ket qua hoat d6ng kinh doanh tren co• sO• du thu, du chi

13 Ghi nhAn thu nhAp tir phi N/A hoa hiing dich vu

Ngan hang thu phi tir cac dich vu cung cap cho khach hang Thu nhap tir phi co the Chia thanh cac nhOm sau:

• Phi thu tir viec cung cap dick vu trong mot theri gian nit& dinh: Phi thu tir viec

cung cap dich vu trong mot tiled gian nhAt dinh dugc du thu trong snot th?ri gian do Phi nay bao g6m phi quan 13'f, phi nhan fly thac, hoa Wong va cac phi lien quan den cap tin dung, quan ly tai san, phi quan ly danh muc va cac chi phi quan 1S/ cling nhu phi ttr van khac

• Phi thu tir viec cung cap dich vu giao dich: Phi phat sinh tix viec dam phan va tham

gia dam phan cac giao dich cho mot ben thir ba, vi du nhu dan xep viec mua c6 phAn ho'ac cac loci chfrng khoan khac hoac mua lai doanh nghiep , dugc ghi nhan khi hoan tat giao dich lien quan Phi hoc mot phAn cua khoan phi nay co lien quan den viec thkrc hien mot c6ng viec nhAt dinh se dugc ghi nhan khi hoan tat dieu kien tuang ung

SHB

Ngan hang TMCP Sal Gen — HA Ni

14 Thong tin bao cao 130 phlan

- Thong tin bao cao b ph4n theo Iinh vtrc kinh doanh

Cho giai doan lit ngay 01 !hang 04

din ngay 30 tilting 06 nom 2013

rdng cling

1 Doanh thu trkrc tip 1,678,671,695,033 282,000,442,645 175,875,301,353 30,857,921,485 2,167,405,360,516

Tai ngay 30 timing 06 nom 2013

1 Tai san b(i ph:an 79,658,437,610,183 19,781,837,111,543 9,251,590,959,406 29,723,850,000 108,721,589,531,132

2 Tai san phan 3,350,958,902,457 35,896,720,969 2,419,438,993,311 1,633,300,804,090 7,439,595,420,827 tOng tai san 83,009,396,512,640 19,817,733,832,512 11,671,029,952,717 1,663,024,654,090 116,161,184,951,959

1 Nq phai tra b phlan (188,314,646,296) - (105,589,491,853,404) (110,978,607,295) (105,888,785,106,995)

2 Ng pl.& b6 (103,710,787,998) (1,110,988,623) (74,880,633,220) (50,549,982,367) (230,252,392,208) TOng cong my (292,025,434,294) (1,110,988,623) (105,664,372,486,624) (161,528,589,662) (106,119,037,499,203)

7

Ngfin hang TMCP Sai Gan — HA Noi

- Thong tin bao cao boa phan theo khu vtyc

Thu nhap lai thuAn

Lai/ 16 thuAn tir hoat Ong dich vu

Lai/ 16 thuAn tir mua ban chimg khoan

Lai/16 thuAn tir hog Ong khac

Thu nhap tir g6p v6n, mua c6 phan

Chi phi hoat dOng

Loi nhu4n thuan tir hoat Ong kinh

doanh tnror chi phi du phong rai

SHB

• • • ,oiorsc,r,

Ngfin hang TMCP Sai Gen - Ha Ni

15 Titn mat, yang bac, di quY

16 Titn girl tai Ngfin hAng Nha ntrov

30/09/2013 VND

31/12/2012 VND

Tin girl thanh toan tai Ngan hang Nha ntrac 1,784,359,826,247 3,031,869,478,896 Tien gir'•i phong toa (ne'ti co)

Ngan hang TMCP Sai Gen — Ha Ni)i

18 Cac cling cu tai chinh phai sinh va cac tai san tai chinh khac

Tang gia tri cfia hop ctong (theo gia ngay

Tong gia tri ghi so ke tam (theo ty gia tai ngay lap bcio cao)

tY hieu hrc hop crang) • Tai scin Cong no'

Giao dich kSi han tin to 297,020,545,972 3,082,721,362

COng cu TC phdi sinh tin to 1,710,623,497,800 5,846,612,060

Giao dich kST han tin to 913,539,370,000 3,263,769,995

Giao dich hoan d6i kST han 797,084,127,800 2,582,842,065

19 Cho vay khach hang

30/09/2013 VND

31/12/2012 VND

Cho vay cac to chirc kinh th, ca nhan 64,749,421,031,551 55,788,254,132,252 Cho vay chiet khAu thircmg phi6u va cac giAy

Cho thue tai chinh

Cho vay bang von tat tro., ay thac dau ttr 463,953,806,027 74,572,331,345

Ng cho vay ducc khoanh va ng chi) xir 17

SHB

Ngan hang TMCP Sai Gan - Ha NOi

19.1 Phan tich chit luqng n9• cho vay

30/09/2013 VND

31/12/2012 VND

31/12/2012 triu VND

65,469,275 100.00 56,871,071 100.00

Ngfin hang TMCP Sal Gen - Ha NOi

30/09/2013 tri0 VND,

31/12/2012

14.23 6.97 15.31 2.36 0.04 10.76 18.47 7.20 2.26 0.17 1.27 3.93 0.03 0.09 0.01 0.08 0.13 0.04 16.19

0.46

0.01

Nang nghiep va lam nghiep va thay san

Khai khoang

Cong nghiep cite Wen, the tao

San xuat va phan ph6i lien, khi d6t, nu&

nong, hai nuerc va dieu Ma khong khi

Cung cap nuot ; hoat Ong quan 1Y va xa ly

rac thai, nu& thai

Xay dung

Ban buon va ban le; sua chaa 6 to, mo to,

xe may va xe cO dOng ca khac

Van tai kho bai

ThOng tin va truyen thong

Hoat thing tai chinh, ngan hang va bao

h iem

Hoat Ong kinh doanh bat dOng san

Hoat Ong chuyen mon, khoa h9c va cong

nghe

Hoat Ong hanh chinh va dich vu ho tro

Hoat dOng cila Dang COng san, to chi:1'c

chinh tri - xa hOi, quan ly nha mac, an

Gido due va dao tao

Y t6 va hoat Ong trg giap xa 116i

Nghe thuat, vui chcri va giai tri

Hoat d6ng dich vu khac

Hoat clOng lam thud cac cong viec trong

cac 116 gia dinh, san xuat san pham vat

chat va dich vu to tieu dung cua 110 gia

dinh

Hoat Ong caa cac t6 chirc va co quan

quoc to

13,692,460 4,854,126 11,222,701 1,732,574 22,771 5,883,503 10,566,376 3,942,382 1,379,087 90,073 458,929 3,458,491 23,771 38,357

- 50,753 78,841 29,629 7,799,546

144,903

20.91 7.41 17.14 2.65 0.03 8.99 16.1 4 6.02 2.11 0.14 0.70 5.28 0.04 0.06 0.00 0.08 0.12 0.05 11.91

0.22

0.00

8,090,626 3,964,713 8,707,926 1,342,569 23,686 6,118,343 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

SHI3

Ngfin hang TMCP Sai Gen — Ha NOi

20 Dtr phong riii ro tin dung

Chimg khoan Chinh phi)

Chang khoan Ng do cac TCTD khac trong nu6c

phat hanh

' Chung khoan Ng do cac TCKT trong nu6c plat

hanh

Chti.ng khotin Von

Chung khoan V6n do cac TCTD khac trong nuac

4,553,278,915,881 2,898,308,609,293

48,112,869,317 48,023,619,317 11,688,790,000 11,688,790,000

36,424,079,317 36,334,829,317

(9,128,439,017) (9,863,783,316)

r

8,759,708,761,329 8,258,732,136,809

Ngfin hang TMCP Sai Gan — HA Ni

21.2 Chfrng khoin dAu to gift' den ngay dao 114n

30/09/2013 VND

31/12/2012 VND

p

Chong khoan Ng do cac TCTD khac trong nude

phat hanh

1,946,620,000,000 2,345,668,000,000

Chang khoan Ng do cac TCKT trong nu& PH 1,073,411,689,055 1,075,187,684,837

Du phOng giam gia chang khoan dAu ttr giir d6n

ngdy dao han

5,760,197,088,505 4,290,543,803,540

22 Gen von, dAu ttr dai 114n

Cac khoan dAu tu' vao cong ty lien doanh

Cac khoan dAu ttr vao cong ty lien k6t

Du pheng giam gia dau ttr dai han (48,587,181,632) (60,241,265,051)

514,964,413,743 527,794,764,506