ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 1 năm 2013 td bảng cân đối kế toán

101 SHB NGAN HANG THUONG MAI CO PHAN SAI GON - HA NO 77 Tran Hung Dao - Quan Hoan Kiem - Ha NOi I Tien mat, yang bac, di quy II Tien gal tai NHNN III Tien, yang gvi tai cac TCTD khic

101 SHB

NGAN HANG THUONG MAI CO PHAN SAI GON - HA NO

77 Tran Hung Dao - Quan Hoan Kiem - Ha NOi

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

Ha n6i, Ngay 0,11 thang (Ij nam 2013

TOng Giam Dec

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'

/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

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

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)

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

6 Tien thu cac khoan no da dtroc )(it 1Y zoa, bit dap bang nguen du 06

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 h o at 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 , ,/,Q, lac ang)/Giarn can ding cu tai chinh phai sinh vi cac tai san tai chinh 12

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

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

hanh dirge tinh vao hoar Ong tai chinh)

Tang/(Giam) von tai to, uy thac du ttr, cho vay ma TCTD chtu rill

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

21 Tang/(Giam) khac ve ding no hoat Ong 22 (979,961,420,070) (27,766,410,474)

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

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

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

SA1 GON.flA

ge eyht 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

VII Tien vi cac khofin Mang 'throng tien tai th&i diem cull ky

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

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

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:

3 Nq dual tieu chudn 20%

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:

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

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

(94,048,032,350,164)1

BASH 13

Ngin hang TMCP Sal Gen — HA Ni I

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

103,706,955,349,064

7

SHB

Solid pennon, flexible soluliene

Ngfin hang TMCP Sai Gen — Ha NOi

Trong ntrirc

D077 Vi: VND

TOng cong

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

Loi nhu4n than tir boat do, ng kinh doanh truk

chi phi dg phong riii ro tin dung

8

SHB

Solid Mr• -, Ilemble odulans

Ngan hang TMCP Sai Gan — Ha Ni

15 Tien mit, vang bac, di quy

31/12/2012

I

31/03/2013 VND

Tien giri thanh town tai Ngan hang Nha ntrac 3,878,040,692,1951

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

1 L-

14,396,797,688,85011

13,315,137,064,530i I 1,081,660,624,320

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

—

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

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

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

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 1,515,417,870,0741 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 13,385,298,555,9371 12,320,991,468,338

31/12/2012 VND I

1 32,390,613,057,711

%

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

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

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

Y te va hog dOng trçi giüp xa hdi 66,974

Nghd thuat, vui chop va giai tri 21,970

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 °A ,I trieu VNDI °/0 9,383,266 ! 1 17.11 1! 8,090,626 1 14.231 4,078,961 I 7.44 I 1

Nein hang TMCP Sài Gen — Ha Nei

19.4 Phan tich dir nq cho vay theo nginh kinh

11 2.18 r, + 0.16 I I

It 1.24 11 4.25 1,

0.03 I I 0.09 1 0.02 I 0.09 I 0.12 1 1 0.04 I 12.27 0.26

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 ;

, , ,

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

I 0.031 0.09

1 0.011 1 0.081 0.13

1 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

Dg phong giam do xir 157 cac khodn ng kho thu h6i

bang ngulin di,r phong

;Dieu chinh tAng/ (giam) khac

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

Chung khoan Chinh phU

Clang khoan Nq do cat TCTD khac trong ntrerc

SHB

Sokld pannem 1.011010119

Ngfin hang TMCP Sal Gen — Ha Ni

21.2 Chung khoin du tu gift den ngay din han

Chung khoan Na do cac TCKT trong nu& PH t 1,616,669,790,437 1,075,187,684,8371

ngay ciao han

Du tu vao cong ty con

Cdc khoan du tu vao ding ty lien doanh

Cac khoan du tu vao cong ty lien ket

1Cac 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