ngân hàng thương mại cổ phần sài gòn hà nội shb bản thuyết minh báo cáo tài chính riêng lẻ quý 4 năm 2010

ngân hàng thương mại cổ phần sài gòn hà nội shb bản thuyết minh báo cáo tài chính riêng lẻ quý 4 năm 2010

X SFIII

Ngin hing l'hurrng m4i C6 phiD Sni Cin - Ih Noi

{X)11 NII/(;P nsiv 131hanr_q Il aDn l99l

Gi.iv phdp hoat c16ng do Ngin hins: N-hir uu{ic Vidr Nenr cilr

'l hiri han hoat dgng cira r.-gir hi g Ii.10 nirn ke rir ngii\ cip giir phdpdet tia1l

Ong D6 Qualg lli€n, Chri ric]:

Ong Ngu.v€n Vin L0 thinh |ii|

Ong Ngu16n V:n llai lhinh rj6nOng TrAn Nsoc l-inh I hir r r iin

Org l'han I Iu,r, Chi lhirnh lidrr

Orr!'lrin I'hoai Thlnh viil

(lng L0 KiCn l hioli 'lhinh liirl

One Ngu1.6l Vrin I-€, I6ng Giim dic ( l ii b6 niiirr hi ngir]08thing05

nAtll 2007)

{), l):lrr:' lr rgDirn,.l'l n l : r; r l;.,l.ur}-r nr:r r,t t1r.r ,^,nirrr 2006)

Ong 13ii 1in Nghi Phir 't'6n-r (iiim L1(.)c (b6 rr|j€m ngii\ 05 rhing ()6 r):inr1007)

urr lc Dinc Kho.r I'h., Inr'(;.rr,J1.'t ,rrri r r:,.r tL/ll.rrf ,,1 Lr.

2009)OrrsPhrr r Vrn In.tr,c Ih l,,nr (;.,r.t ,1 c,bu rl rr t:r\nt I ll

n.im 2010)S(l 77 - llin Ilullg Dao Q ttoin Kjaln t'P.ili Nltj - Viei Niiul

l)ic diam hott dong ciia t6 chri,c tin dgng

Ngin hlng lbumrg l]lai C6 phin Sii Cbn - IIi N6i (duiri div goi Latr li .NSan hiDg.) li niarngin hlng thuorg mai cdpl n Vie r Nrm thinh lAp rai nrr(ic C61rg hba Xeh6iChunshia \ijar Nnln

viti thoi giun hoal cl6rg lii.10 niim thco 00.11 NIVGP nai! l-l thj.s l l uiim 1993 cLra Nlrin lrirlsli{riL DLrdc \rial Narr v6n diiLr 16 cLiaNgenhinqrai rsal lr/12/r0r0 Ii i +97,519.070.011{) \'Nl)

(Ba ghin bdn trim chiD rnuoi ba) t\' ni,' lfim lnuiri chirr tfi6.l ]ii6ng rram ba' nruor ugiu

dolrgJ

\gAn hing'l'huorrg rnai CA phin Sdi c')n - llir \9i

IIqii sdchinh cua Ngin hiltg duo-c alarl lai 56 77 'lri| llL|rrS l)ao Q.lloin Krinr - l]'11.1 Noi

- Vi€r Num

Taingl\'ll/1212010.Nginhingc| I{r1r+rlhJrl \rrr .rtLLL,L qu\ ITl.lOIU: l68trrhel\ian) .

.r Tdm tit cic chirh \r(.h k€ torin chu 1iu

Chuin muc vir ch6 dQ k6 toin:ip agng

Ngin hirg Llinh bi,v cdc bjo cio rii chinh biurg drj g \riir Narr (VND) thco l_Lrir circ lij chirc

Irrrrlurc.Ir.r ruJir r.r l" Jnp r,:t 1.1 .r rtrrr, lr r r: 1,, rrr'l.rruurrr r rtr.t

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Kj hiiociioctaNgillhirgbitdeulirngiy0t/0t/2010\ikjl rhLic|iongil 3l/1212010.Dor

\ir.(n rr.r lu rL'|',rr" clri rep k; ro.r' lr di.r3 \ c ){.I r\ \1r,.

1 Ngu)an tdc ghi nhin cdc nghi6p vq blng ngo4i ti vi qrrl tl6i

'lhco ha thine ki toiin cLrir Ngin hing L;r cr !ir( nrhr,jl) \ u t)hrt uh rur Ngin hiurg,:lrLoc hacirtoiin lhco]]gu)en t6 fai rhiri di.m cu6i uim tii san lil c6n! 1ro c6 ngurin g6c lgoai t6 ducrc qul.rlirisang \''ND thco rn gii quy dinll vio ngi),Lip bing cin cjrii ki rorirr Cic khoiin thu nhip rl chl phi bing ngoai ta cta Ngin hiing alutrc hach tt,rn hirrg VNl) LLrr,, t.\ llir \ co rsry ph,rr sulh th6lg Lllril

glao dich nnra bin ngoai r.; Che lich ti gii do dlnir -qii lai cic tii kloal krnh doltnh rsoei li

clLr.rc hach k)aLu rio bio cdo Ker qua Iloat d6rrg Kinh croarh \':r loi nhuin de rai che lach r\ sii

nlrJl ,ir,h.lu.1rr J.,i : J.Ir \ J nnu r,.' ",r:c bi,.- r, ,r r rc .:I: \ \D J.r, \L r r:., l"rr l.o

ciracickhoinlnucllLcrnerntglr€nbangeiLndorkitrrniirun rr l.lfr hJo u.rr, rii chinh

5 Chtug khodn diu tu,gii rt6n ngil rtio han

Chimg khoriu no giri cl6n ngiy dio haD Ii cic chinr! Lho,ur cri kj han cri dinh vi ciic khoir rhxrrlr

toin c6 dinh hoatc c6 he xic cJinh cluot r:L ll; l|nl r I ir I rl,tr U i ilinh i.r cii kha n!!r!l .cjir Jan

ngil drio han Ngrin hine d:rn-c shi nheu cic chilirg khoin ilir\ lhco siri g6c ctirc lai clu rhu ldr rllichd phin bd Cli td phu lr{li hoAc chli-r lh.irr r'eu e,,r ti rc LLr,,t lh.Ln .ir$ \.io Siri rri ghi s6 cuakhoan dfiu tu Lei duo-c drr rhu hoac phir b6 rheo lrrlro,lg phiirr dLrdrq fian,q chirng khoin cluocgiri d6n khi clio han si clu.c xcni x6r

'Lr kh.L nirnr grJrr ci.r crru.!r l( roxr Juoc lap dn phirng giinr

gi, khi gii rfi thj truong ho h<rrr gjd lri ghi ,n J)Lr plr r- rr-u r lr.r rlrLuu ghi nhin Vio hio crio kalqux hoat drjns killh doaDh

0 ChinA Lhodn diu tu sin.ing di hrin

ching khoin diu t'sin sing dd bdn ri cric chimg krroin duoc -sili trong thdi gie ki6ng in clinhtluo'c cd 11)a cluoc bjn dd dip img nhu enu rlrrdr kh,, L|r h,r.rc rlc L rrl l)ho \ !,r tllrollst hop rhij) cloj

lii surir ri gii hoatc gli lri chr.mg khoin Ngin hing cl.urg ghi uhin ciic chlnrr l(holin ni\ lhL-o !i:i

.: sfIR

\gin hing Thuong m3i Cii phin Sni Cnn - IIn \6i

girc c6ng lrri clLr thLr 1dr lii cho phin bir Cli !rj phu rlii hoiLc chljr khdu (liu cti) ciurg dLroc fhal

irrh r,io gii lli qhi sd cua klorn lliu tLr Lir (1u,.,( du rhu lrr,.Lc llr:LLr tr,, rhco PhLrong phip ciuirngthing Crlc chiLn-e khoili riil' ducrc clhnh gli dirrh kj lhco _qiri tri lhi lruirnq 1d du fhalrg gjurn !iri 1fi

sa duoc liip l(hi gii tr-i thi lruang nho h(nr gid lri ghi sa Du i)hi)n! liarr gii dLtrc ehi r )iu \ io l)rio

cio k6t cari hoet cftitl ki h tloanh

7, Chirg khodn kinh doanh

Chims khoitt kiDh cloanh lir chring khorrr l rn rljLL drr, c I rr .L , .r rL.ll :rtit clri, nmc dicl) kinh do-nhlrong ngir han hoic l]iu Ilan T6119 Gi n dor qrLret iirh rhr \.1\ NsJnhJllg clang g|i nhri cic

chang khoiiri'i) rhco gii s6c vio ngii)'giao clich.'lrong cic ki ritp rhco ciic ch.nrg kln)ii ritp lLrc alLr(rc ghi lrhin rhco gii gtic Iirl nhiir gii1fi rhi truinrr cLr:r cric cbirrgkhoi' rrin.lu'uN-.ur lrr'-

thco doi Ja dinh sij \i khr ndng cjarl giti l,ii -qiar lri liri Lruan! llril,r l)on gid.c(tc Ngoai lrir rrlrirnshcD khirng thi ric dinh gii rrithi lruatr-e rn,.,L t.rch rlr t eh.rn rhr rr.r Ui cur chrins duoc Linh tluatrdn ngurin gii sau khi lrir di t6n rhit ucic tir1h (Iiu ca) I-rii hoic li tir']<lnh cloanh chrnrg kho'r

aluoc ghi nlrin LrCn bio ciio ktt qua hoat d6ng kinh doerrh tLco sti rhruin

cjc khoan cho lav nsin han cd kj han ducrr I nalmr circ khoiLlr cho \ e\' \'i cho rhqa tii chillr 1111s

han c6 ki he riL I naun darl 5.irn vi ciic khoan cho

',r \i cho Lhui tii chiriL clii ha c(i ki r)a1r

11611 5 nirn ki tiL ngiy giii ngen

Vi€c phii| loai Do vi liip du phiug rui ro tin Llun! du.oc thLrc hi€n thco eLrvit clirlh.,6.+93/2005/Ql) NIIN\ ngir1 22 tharng:1 rlrLn tr) -i |r erL\!-t !l |h !, Ir/2Or:r-let) NHNN lgiry t5

drirg:l ni.r 2{)07 cua ih6ng r16c Nstin hing Nhi r)udc Viit Nem Ciic khom cno'u\ drr(\.phrn thinh nirr nhim u(r cir cir \ do linh hjnh tra no Ii cic l iLr tir dinlr tinh nhu saul

Nhim l: \o dt tiitt chuin

Cic khoari ro trong han mi Ngin hin-q Lil]ll gid lir c6 drL kia |ing thu 1ri,r Lle_,, elu ,:: rric ri lii diurg rhoihant

(larc khoiir n(.r qui hilt clurii l0 ngil\ \ir \riu hlng Llinh gii li c,,lJr.r n.Lr ,: rr r,,r

clir dLi g,.ic vi lai hi qui hltn \i Lru h,,r Ji1 dLr 3,,e \., l:rJ r ! rh,l hll con lar:

Nh6m 2: No ct)n dui i

r , kll,i- rrr, .'rrr lrarrrrr lU trr:rr d.in o', r

rr:

r \ Ur.'l t., ( i-.nrtl l\ l-trr tf., ,r, | .tr .l

Ciic khoan no crr cirl lai thirl han tfa no ll.(nt! l]un thN thiri hqn l0oc co eiiu lai

\"hin 3 No dtuii titlt (l1tdn

:, : SI{ ll

Ngin hing I huong rn4i Clii phin Sni Gnn - IL\ N6i

o ('ic khoan no- c]ui han rir 9l din 180 ngirl;

o t: kh,.:rr rr,.r,,irl.r'.r,ilrrr tr'- r'.,l:r ll r'rr r k.ro.rrr r ,.lrrr nrrrl r.rr rlr

ntr lin d?iu phin loai vio nh(irn 2:

CIc khoiD no duqc ni6n hoic giam lni do klich hirnr l{h6lg dir kh.r r.tn-! rr.r lir J.rr rlulhco hqp d;ng ti dung:

Nluim 1: Nt ngli ttgri

( il Ur,:l t qui hlrlir lr I d(:r lon r,1.,\:

('ic khoirn no co ciiu lai thdL hrrr t|-r n,., ]n Ll.r r(lr .r hinr duur !0 ngi\ lhco thii hen

1riL n0 duoc co ciiu 1ai len ddui

' ', .l,l.t.rlo l-rrr-tr r rl t:

Nltajtn 5: No trj khtt uAng nit i)t1

Cic khoan no qui han trcn 160 ngi\.:

Cjckhodn no ccr ciu lai Lh,ri lr.ut tt,t n,, .nr d.rr r1- Snuttrql) 1]iltr(ilalltllcolhoi

h rr 'r' n, duur aLt lJ .;trrl l.

Cic khoarn no co ciu lai thdi ltrn tra |(j 1in thir hrt qLri han thco tltoi ha tru n() Jlfoc

co clur iai ldu thi hai;

r (lic kboan no co ciu lai thdi han rra urr liu rlriL be tro l€n, ki ca chua bi quii halll)oic di clLrii hant

Clic khoin ro.khoanh no chd rir lj:

Tlr(u Q|\cl Jinlr ,n l.,r l0or QLr \ll\N Lt.r j- rl,r | :.jr 20Or r,r e r.cr ui rr .u

I t/2007/QI)-\-l INN ngi) 25 rhing,l nurr ro07 Jrrr ru r.rt ur,,.rn |o qur h.rn r0 chirc rirl durs phin loai lai

'io nh6m rr9 cri riri ro rhiip h* khi Ngnrr hi'g dri r giri li cd clLi kha.ing rJrLr hiri diir

du ca g6c li lri: \,i khich hing c6 tii ljcLr lro s,, rhrr I l nlr L.rr ntn_r!n nhil linr khoan no uir.".

qud hrn alLroc {u I'i, khac fllrLc Ngiin hils ehLr tlon! tLr qLl,:L.lrrrr Phrn lori tjc kloiir ncr vlo cricnh6m n.r rLir lo cao hon tuorg i'g \'.ri lnirc cld .rii r.o lchr \i), fitt .tQt trong cic truring hi:rp sarL dii1.:

Khi c6 ulrrirg di6n bicln hjr loi LU r-t! rlL,n-! trerr rLr rlcl mLl rrltonq klnh doalh vi

lirh r uc kinh doanh:

C'Ic chi lieu 1il chinh crre Ulich hing hoic kha nins rr-a ncr cua khjch hilg hi su1.

gldln:

Khich hing kh6trg c,org .jp tho N.:.Lrr tr.rn_ r!! rh,rn! m rlr c|inh klp rhoi rli1,dr.i

\ir chi h xric di Ngin hing drnh giar khi narng lrr no cua khjch hing.

:,.r'.; SfIB

Ngin hing Thuong m1i C6 phin Sni Gdn - llir Nili

Du phdng rrii ro tin dgng: \ridc tinh du phdng cLr tha dooc catlr cir tldn cic t) li ip dul]g cho1il1g nh6n no nhu sau:

I>huorg liilr \ rin lrii

IJUnC C}qulll \'\ilplrJlr lrl!'ll) lllr llLru

't1 16 du phirng cp

th6

o.15,:t20%

50%

l00ti

9 l Ai s?ir1 cii dinh

Tiisiulcidi cluoc lhi hldn thco ngu16n gii tlir di khiuhao1r]1 ki Nglr,vin r.rh-rolornrL'-il

b (J c )rl r "r.r \grr rrr gphai '.r:.li.oJ.r" ,'i r .rr rlrJ.rr tl .r ui:rn i.r.r rr r.r,

riouangthii sin siLng sir drurg Tii sane,,JinLr.1roe r lrlhiLlr.r,rlrLuphu,,fsphipduilnslhaLnll

dd tru din rgLry€n gii tiri sin lrong su6t thoi gian hiru dung udc rinh nhu saui

Itt, Iiin ri e:it Llrrran |trrtngduollgIiiD

Iri| oru.-u .Uu (l- r\;r, r:n ri rrrrr r.r .r lhc: r rr: .lLrur.- llJt hJo ! r rr.rr \ r ,.r , r

rii di quj tiin giri thanh tori| t?i Ngiu lrcrrg Nlr-L r u,, \ ilr N ,rrl riirl:rui [hiing k-i han \i r(i kj

Jr.rr t-i cri r';: r hir r: k.rr io tl cr l,1r .1 o rr I In, rr, r: r ll r.r kJ lLr ral\ ir.i

11 C6c (iiDg cu tli chinh phii sinh

Cdc cdng clL tii chilh phii sinh tluo-c gh i nhin r cn hJ r! rir Jur li t,,un rhco gid ti hr-r-p ilirng r io

ngil giao clich ri sar dd dRrc clirii gid ldi theo gii 1ri hop li' I-oi rhLrin hoat( ln klri e.rt r,,ng tp

tii chiDh lhll sirh duoc lhuc hi6D duoc ghr u1 n rf,,r! l)Ji, r.,i,l-{t r|L,r hoirt d6nl kinh tlorrrb l-oi lhulin hoic 16 chua thuc hiin ducrc ghi rrJrirr \,io kl()irr nllrc chanh l.:ch dirrh gii lai c:ic crine ciL tii

: ") SH:t

\g6n hing'fhurmg nrai Cii phin Sni Gdn - Iln N6i

chil)h phii sirh trin bane cin d6l ki torin \i duoc kit chlr)an viro kit qLri hoar cline kin| dornh r.iLo

thoi cli€m cu6i naln

12 (lhi nhin thu nh:ip/ chi phi ldi

N-gir hing qhi uhar dlLr r rip tri 1ai vi chi phi

kith doanh tLin co sn du thlr du chi

lii c[rdc Shi r ]i| lran hio cio kjt qL hoer drirrr.r

r3 (lhi Dh:in thu nh+p ti phi vi hoa h6ng dlch \u

Ngan hins thu phi tu ciic dich \u cunr rjp rho llriLrh h.-rnl l rLr rJr.ip tu plti c6 thi chra rhiurlr

cl'rc nh6m \aLl:

I'Jti thu ti t,iec cutry cip dlctt t'r.r trong nit thii giitl ,thit (1i11h: l,hi tl)u rir riic

cLLrSr clip dich Iu tlong m6t thc\i viirLrrfi.it.linh.Lr,,r- tl rrUrfollS,Lri,r lhiri gian cl(i lrhi nir)

I'r rr fhr q.r:Lr l\ flrr nn n L ll:c lr.L ,-r : ,: lrl, rctr q r:,rr r rc.il.rrr , rr :.

qua li tii sar phi qLr.h l! clanh rnuc vi cric chi plti qLLin lj cring lthu phr Lu \ Jl klrJ!

I'hithutit'iecc tlg cip dicht! giao dlch:1,hi [\lil sinh tir\iic alinl phiir \i thanlgia diur phin cic gieo dlch cho m6t ben thir hlr r'i du nhLr din xip r iic nrua co phi I h,,.11

cicloai chLnrg khoiin kh/rc hoic nua lai cloanh glriip clLroc elti nhrin khi hoiDt.rt.LrrlLrh lien qlran Phi hoac rntlt phin cira khoin phi ar\ cd lian q d1) dan !i":c lhlrc hian rnat can!

u .l:ir l rr r ,i Ll v ghr rlrl Jrih.r,rrri oi rl,r r.l .rni.

XX SFI:'

NgAn hing ]'huolrg lnii C6 phin Sii Gin - IIn N6i

11 'l'iin ntit, viDg bac di qu!

ls 'l'i.]n eii tai \glin hr\ng Nhir nuoc

'l'ian gui th.urli loifu tai NTINN

LJ3na \ \t)

Bins nsoiri Li

I ren, vang gul

X SHI}

Ngan hatng l huorg mli Ci phin Sni Gbn - IIn NQi

Chrhg khorin N{,1'

(ihune khoiur Chir r phir

- ChiLng khoin No do cdc 16 chirc ti

dung khic rlrng nuric phlt hirnh

Chrmg k|oir Nd do cic t6 chuc klnlr r

trlng nLL6c phal hinh

Chri,rg khoiin Viin

Clhung khoit \r(irr do cric 16 chirc tin

dlLng khic lrong nu(rc phil hitL\

- Ching khoin Vrin do ciic t6 chfc

ki h ta tror)g nuoc ph/rt hiinh

Dg phirng girirn gi6 chrlng khoin

kinh doanh

r ong

l'hu]it nrinh v0 tirh lr3rrg rriom -"-dt cria cdc chirrg khoin kinh doanh

17 Ching khoin kinh doanh

3 SI{IJ

Ngiin hing I huorrg m4i Cii phin Sni Cnn " lln N6i

18 Cho ra) kh6ch hitng

1X STIII Ngin hing t hrorg mai Cii phnn Sni Grln - IIn \6i

Doanh nghiep Nha nu,oc dia phu,ongC6ng ty TNHH Nhe nu,oc

C6ng ty TNHH tlr nhan

C6ng ty c6 phan Nha nuocC6ng ty c6 phan kh6cC6ng ty hap danhDoanh nghrep tu nhan

Doanh nghiep c6 v6n dau tu nLroc

ngoai

K nh t6 tap thdCho vay ce nhanCho vay khitcl6ng

- Phirr ti(h du nq cho \ a\ lhco nganh:

Thu,ong nghep soa ch!,a xe c6d6ng co, m6 16, xe m6y d6 dJng

ce nhen vd g a dinh

KhAch san va nha hangVan tei, kho ba lh6ng I n 6n lac

Hoat d6ng 1a chinh

C6c hoat d6ng len quan kinhdoanh ta sen va dtch vu tu venQuAn i7 nha nuoc va an ninh qu6cphdng (D6ng, doan the dam beo

xa h6 b:l budc)

G io duc va dlo tao

Y te va hoat d6ng cuu tro xa h6 Hoat dOng van ho6 th6 lhaoHoat dong phLrc vu ca fhan vac6ng d0ng

111,,0.11,:

J t.li0 ll5.st6 t.ll0.+s5.51t.-l:l

, SHB

Ngiin hing l huong m1i C6 phin Sni Gbn - IIn \i;i

Du phiDg nii ro tin dung

Ki niv

56 du diu ki

Du phalrg rur ro lrich la1r rrong ki/ (IIoir

rirlp dLr phing tlong kj I

I)Ll Dhbrlg qiam do xu l\i aatc klloan no kha)

fiu h6i baure oqu6n du nharte

Di6u chlrrh rdrs/ (siLin) kbic

Du phirtg grarn clo xri li cic kholrr

lhu h6i ba lg ngu6n du phing

56 du cuili ki

cic 1i chirc 1in dung

hinh cic t6 chuc kinh ri

- ChLing khoiin \,11 do cic 16 chirc til

drmg khic lfong nudc phill hi0ll

( ltnra.,.jn\,1 r ,,.r o eh l rlr

-lro1g rluoc Jrhdl hiDll

Du phing lliarn gi, chimg khoin sin riug

,' r SIIIJ

Ngiin hirng 'l hunng m4i Cii phin Sni Gdn - IIn Noi

19 .2 Chring kho6n diu tu git d6n ngil d6o h4n

ChiLng kholn Chinh pht

r h lr.g llr., \^ ,l ' - r lIr t , Ll j

khdc tlonr nuoc phit hinh

I r,rrg

Grip r6n diu tu <lii han

l'hin lirh gii tri diu tu theo lolri hinh diu tu:

l)du tu \io conq tt' con

( l( Krol_ \llll IU \ J^ aOt : l] lti (1,'Jtll

Ciic khoan tliu tu r io cdrg t) lieD ket

C'iic khour diu tu dii har khric

&T} SI{B

\gAn hing'l'hurmg nrai

T6tr ctrc dor \i

Cang lr: ( l) l)iir lrL \i Pl (lxo SrLNlhe

alnns ry (ll,qlln li quj d;u nr Sii r;ln Il:r Xr'rt i lr){).0()|.01rrr

C Lrr \ tPCK \iiii n llJ NuL

Cnn:t r! CP lJh.iL l rian An vi.:r

(lnng l) .a phar bar) hiam SIIll vinaconrirl

C fc I l\llll \or T rnl

Carng rt i) fhif d;! r ri] du.ir l.II.,\XL\ sllll

Cring rl cl' lhri\ srn Ccnrr!.o

CII Cl']l);u tu tiirhnrh Nrnr \riar | :(().{t00.()irr)

l t,,r!r\ qrrrl ru\ L hJin. l()0.(l().:; :0.000.000.001r l(l0.llll'r.alilns ty C| l)ha'l lriin.ld lht khu

SIiB Lrndl

Lll) CPf)in ru Kinh {lfrnh Bil dJrg \rn (;enria.o

C0 phiin Sni Gi'n - Iln \iii

! Danh muc cilc khorin diu tu, gt'rp v6n nhrl sarr:

7

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