ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 1 năm 2011 td bảng cân đối kế toán

Nguy6n tic ghi nhfn c6c nghiQp vg bing ngoSi t6 vi quy tl6i Theo h6 thdng k6 to6n cira Ngdn hdng, tdt cit cdc nghiOp vu ph6t sinh cua Ng6n hhng duoch4ch to6n theo nguydn tQ' Tai thoi di6

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1 Ti€r.r, virng gui tai ciic TCTD kh6c

2 Cho vay c6c TCTD khdc

3 Du phdng rii ro cho vay c6c TCTD khric

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I Ch&ng khoiin kinh doanh

2 Dg phdng gidm giri chring khoiin kinh doanh

V C5c c6ng cr; tii chinh pla6i sinh vi c6c thi sin tii chfnh kh6c

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I Cho vay khdch hang

2 Dq phdng rrii ro cho vay khiich hhng

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a NguyAn gi(i TSCE hiru hinh

b Hao mdn TSCE ht1,u hinh

2 Tdi sdn c6 dinh thu€ tiri chinh

a NguyAn gid TSCD

b HaomdnTSCD

3 Tiri siin c6 dinh vd hinh

a Nguy€n gid TSCE v6 hinh

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2 C6c khodn ldi, phi phdi thu

3 Tdi sdn rhu6 TNDN hodn lai

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120 16

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12,290,999,453 24,763,190,106,910 25,045,359,956,1Q0 (282,1'79,849,290) 8,g3g,ggg,715,g23 7,852,2'78,499,223 1,000,000,000,000

( 13,378,783,300) 341,999,000,000 20,000,000,000

321,889,000,;00

1,532,996,953,274 1.33,959,419,050 189,956,999,603 (55,997,58 1,553)

n 398,937,435,224

r ,406,365 ,498,441 (7,428,063,217)

5,00n,750,349,591 2,485,164,860,068

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17 5,27 | ,387 ,982 (49,737 ,56r,s2t)

1,399,599,422,0AA 1,406,365,498,441

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401 ,635,701,7 47 8,012,998,261 51,346,694,959,939 4,389,007,571,tr 59 3,590,259,498,400 3,497,519,070,000

98,000,000,000 (5,259,,s7 1,600)

160,689,933,283

t6,197,132,253 62r,861,007,222

55,735,702,530,097

903,715,150,312 i3,271,538,319"94.1 iJ,27 I,538,8 19.9:r.+

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160,911,541,555

425,634,678,548

51,073,962,999,454

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1'-*7Y\I6{+oi ich cria cd c6ng thi6u s6

={rff$t,{c Ng pHAr rRA vA v6N cHU so Fi{,r{.]

: \q$e;pHi rmu Ncoar BANG

-. gujen ysil Le

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2 Chi phi lli vi cic chi phi tuolg tu da rra 02

O :hUP tech s6 tidn thr,rc thu/thqc chi tir hoat d6ng kinh doanh chung OO lchoiin, virng bac, rrgoai td

a Ti€n thu ciic khozin no dd duoc xu lj xori, bn d5p bano nqrAn clrr

7 Ti€n chi tra cho nhan viOn vd hoat d6ng quiur ly, c6ng vu (*) 01

Luu chuy6n tidn thuAn tir ho4t tlQng kinh doanh truric nhiing

O, thay d6i vd thi sen vd viin luu ttQng

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(1 t7 ;7 46 ,1 2t ,7 89) (257,999,290,304)

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208,577,231,519 (4,670,6s8,070,8 t 4)829,786.767,581

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802,605,532,272 (2,973,074,09s) (3,601,834,8ss,26s)

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14 (Tdng)/Giam khric vA tdi san hoat d6ng

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15 T5nei(Giam) ciic khoiur no Chinh phu vi NHNNl6 Tang/fGian) cilc khodn tidn gui, tidn vay cic TCTDl7 Tdng(Giam) ti6n grii cria khrich hdng (bao gdm cd KBNN)

I R Tang/(Giarn) phdt hhnn gi6y td c6 giri (ngoai tru giAy td c6 gid phrir

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NIua sim rei san c6 dinh Ti6n thu tt thanh ly, nhuqng bdn TSCD Ti6n chi tu thanb 11, nhucrng bdn TSCD (,)

NIua s6m b6t d6ng san dAu tu.(*)

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4 C6 tuc tracho cd dirng, loi nhu6r da chia ('!)

5 TiAn chi ra mua cd phi6u ngin qu! ('r')

6 Tjdn thu duoc do bin cd phidu ngin qui

Luu chuy6n tidn thuAn til hoqt d6ng tli chintr

IV Luu chuy6n tidn thuAn trong k!

V TiAn vir cdc klro:in tu'ong du'ong tidn t4i thdi di€rn diu kj'

VI bidu chinh inh huring cfia thay d6i ti gi6

VII Ti6n vir c6c khoin tuong rluong ti6n t4i thdi ai6rn cutii k!

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Ngdn hing TMCP Sii Gdn - HA NOi

THUYET MINH NAO CAO TAI CHiNH NI6NC TE

Quf I.2011

1 Th6ng tin vdjngAn hirng

Gi6y ph6p ho4t rlQng 0041-Nlvcp ngdy 13 th6ng 11 ndm 1993

Gi6y ph6p ho4t d6ng do Ngdn hdng Nhd nu6c Vi6t Nam c6p

Thdi h4n ho4t dQng cua Ng6n hing l) 40 ndm te ttr ngdy c6p giAy ph6pddu tiOn

HQi tl6ng Quin tri

Ong L0 Ki0n Thdnh Thhnh vi6n d6c lflp

Ban ki6m so6t

Ong Luong Dric Chinh Thdnh viOn

Ban T6ng Gi6m ttiic

Ong Bni rin Nghi ph6 T6ng Gi6m d6c 86 nhiQm ngdy 05 th6ng6 ndm2007

tning4ndm2009

th6ng l l ndm 2010

Ninh Thi Lan Phuorrg Kt5 to6n rrucrng no nnicm ngdy 27 thangT ndm 200g

:-:{;i lei))':ix l:.}n:,, rilrrri:Nt

NgAn hing TMCP Sii Gdn - Hn NQi

2 D4c tli6m hopt tlQng cria t6 chri.c tin dlng

Ngdn hdng Thuong m?i C6 phAn Sdi Gdn - He NOi (du6i ildy gqi tit ld "Ngdn hdng") lh m6t

ngOn hhng thuong m4i c6 phAn ViQt Nam thdnh l6p tai nu6c C6ng hba X6 hQi Cht nghia Vi€t Nam

vdi thoi gian hoat d6ng ld 40 ndm theo 0041-NIVGP ngdy 13 thdng 11 ndm 1993 cua Ngdn hdng

Nhlr nudc Vi6t Nam V6n diAu lQ cira Ngdn hdng t4i ngdy 3l/3/2011 \d,3,4gi,519,070,000 VND

(Ba nghin b6n trdm chin muoi bdy tj'ndm trdm mudi chfn triQu kh6ng rrdm bay muoi d6ng).

H6i so chinh cria Ngdn hang d4t t4i Sa n - TrAn Hung Dao - Q.Hoan Kirim - He N6i - Vi6t Nam

T?i ngiy 3l/3/20I1, Ngdn hdng c6 2072 nhinviOn ( DAu ndm 20ll:1889 nhdn vi6n) .

3 T6mtilt c6c chinh s6ch k6 to6n chri y6u

Chuin mqc vi cn6 a6 k6 to6n 6p dung

Ng0n hdng trinh bdy c6c b6o c6o tdi chinh bing d6ng Vi6t Nam (VND) theo Lu6t c6c T6chric Tin dung, Ludt sria d6i vi b6 sung m6t si5 didu trong Ludt cdcT6 chric Tfn dung, cdc chuAn

mgc kti todn viQt Nam vi H6 th6ng K5 to6n c6ct6chric tin dr,rng viQt Nam.

K) b6o c6o vi tlmr vi ti6n tQ

K! b6o c6o cria Ngdn hdng bft dAu tir ngdy 01/01 /2011vd k6t thfc vdo ngdy 31/03 lZ1tL

Don vi ti€n tQ sri dgng trong ghi ch6p k6 todn lh d6ng vi6t Nam (vND).

4 Nguy6n tic ghi nhfn c6c nghiQp vg bing ngoSi t6 vi quy tl6i

Theo h6 thdng k6 to6n cira Ngdn hdng, tdt cit cdc nghiOp vu ph6t sinh cua Ng6n hhng duoch4ch to6n theo nguydn tQ' Tai thoi di6m cuoi nam, tbi sdn vd c6ng ng c6 ngu6n g6c ngoai t6 duocquy d6i sang vNE theo tj'gir4 quy dfnh vdo ngiy lAp bing cdn aOi rco :url6n C6ckho6n thu nhAp vir

chi phf bing ngoai t0 cria Ngdn hdng duoc hach todn bing vND theo tj gi6 vdo ng)y ph6t sinhth6ng qua giao dich mua br4n ngo4i te chonh lQch tj' gi6 do dSnh gi6lui c6c rdi khoan kinh doanh

ngo4i t6 dugc h4ch to6n vbo b6o c6o Kt5t qu6 Ho4t dQng Kinh doanh vd lgi nhufn d6 lai chenh

lQch tj' gi|phdt sinh do quy ddi ciic tbi s6n vd cong no khr{c bing ngoai tQ sang vND cluoc xir ly vio doanh s6 cria c6c kho6n muc tucrng img tr€n bing cdn OOi te to6n vdo ngdy lQp b6o c6o tbi

chfnh

5 Chring kho6n tIAu tu gifr tl6n ngiy tt6o h3n

Chung khoan ng giir dtin ngly dr{o h4n lb cr{c chimg kho6n c6 kj.h4n c6 dinh vi c6c kho6nthanh to6n c6 dinh hoac c6 th6 x6c dfnh duoc vd Ban TOng Gi6m d6c c6 y dinh vd c6 kh6 ndng giir

d6n ngdy dr4o h4n Ngdn hhng dang ghi nhfln c6c chimg kho6n ndy rheo gi6 g1ccQng ldi dg thu tru l6i chd phdn b6 Gi6 tri php tr6i ho{c chi6t kh6u (n6u c6) cfing duqc phan 6nh vdo gi6trighi s6 cirakhodn dAu tu Ldi duoc dg thu ho{c phdn b6 theo phucrng ph6p duong thang Chimg khoi{n ducrc

giir d6n khi d6o han s€ duoc xem x6t vc khA ndng gihm gil.Chtmg kho6n duqc hp dg phdng gidm .

NgAn hing TMCP Sii Gdn - Hn NQi

gi6 khi gi6tri thi trudng nho hcm giltri ghi s6 Du phdng giim gi6 dugc ghi nhAn vdo b6o crio k6t

qud ho4t dQng kinh doanh

6 Chring kho6n ttiu tu sin sing Ce n6n

Chimg kho6n dAu tu sin sdng ee Uan ld c6c chimg kho6n duoc gifr trong thdi gian kh6ng An

dinh tru6c, c6 th6 dugc b6n ae Aap img nhu cAu thanh khoin hoac d€ trng ph6 v6i trubng hqp thay

d6i lai su6t, ti gi6, hodc gi|tri chimg kho6n Ng0n hdng dang ghi nhAn c6c chimg kho6n nhy rheo

gi| g6c cQng l6i dg thu tru lai chd phan b6 ci6 trf phs trdi hodc chi6t kh6u (n6u c6) cfing duocphan 6nh vdo gi6 trf ghi s6 cira khoin dAu tu Ldi duoc dg thu hodc phdn b6 theo phuong ph6p

ducrng thing C6c chimg kho6n ndy duoc d6nh gi6 dinh ky theo giri tri thi trudng vd dg phdng gi6mgi6 tri sE dugc lflp khi gi6 tri thi trucmg nho hcrn gi6 trf ghi s6 Dp phdng gihm gi6 dugc ghi nh6n

vio b6o c6o k6t qui hopt dQng kinh doanh

Chrmg khor{n kinh doanh ld chimg khoi{n ban dAu duoc mua v} n6m giir cho muc dfch kinh

doanh trong ngin h4n hodc n6u Ban T6ng Gi6m d6c quy6t dinh nhu vfy Ngdn hdng dang ghi nh6nc6c chimg kho6n ndy theo gi6 g6c vho nghy giao dich Trong c6c kj,ti6p theo, ci{c chimg kho6n ti6p

tuc duoc ghi nhQn theo gi6 g6c Tuy nhiOn, gi6 tri thi trucmg cua cdc chimg kho6n vfln duoc Ng6nhbng theo d6i de d6nh gi6.'e nra ndng gidm gi6 khi gil,trithf trudng thdp hcrn gi6 g6c Ngoai trir

trudng hqp kh6ng th6 xr{c dinh giri tri thi trucrng m6t c6ch chic chin thi gi6 tri cua chring duoc tinhdua tr6n nguyOn gi6 sau khi tru di t6n th6t u6c ttuh (nriu c6) L6i hodc 16 tt kinh doanh chimekhodn dugc ghi nhdn tron b6o c6o k6t qu6 ho4r dQng kinh doanh theo s6 thuAn

8 C6c khoin cho vav

C6c khoin

"no uur.tr6n h4n c6 kj'h4n du6i 1 ndm; ci4c khoAn cho vay vd cho rhue tai chinh

trung han c6 k! h4n tir 1 ndm d6n 5 ndm vh cdc khodn cho vay vd cho thue tdi chinh dbi han c6 kj,

han tr€n 5 nim k6 tu ngdy gidi ngdn

Vi€c phOn loai no v) lQp d1r phdng rui ro tfn dgng dugc thgc hi6n theo euy6t dinh s6

49312005/QD-NHNN ngdy 22 thdng 4 ndm 2005 vh Quy6t dinh sO IB/2007/eD-NHNN ngiry 25

th6ng 4 ndm2007 cin Th6ng c16c Ngdn hdng Nhd nu6c Vi6t Nam Ci{c khoAn cho vay duoc phdnthanh ndm nh6m ng cdn cri vdo rinh hinh trd ng vd c6c y6u t6 dinh tinh nhu sau:

Nhdm I: Nq du ti1.u chudn

o C6c khoAn no trong h4n md Ngdn hbng d6nh gir{ ln c6 itri kha ndng rhu h6i dAy du cdg6c vd ldi dting thdi h4n;

o Cdc kho6n no qu6 han du6i 10 ngdy vd Ngdn hdng dr{nh gi6 ld c6 khA ndng rhu h6i

dAy dn g6c vd ldi bf qud han vh thu h6i dAy drl gdc vd ldi dring thoi h4n cdn lai;

Nh6m 2: Nq cdn chfi i

Ngdn hing TMCP Sii Gdn - Hh NQi

o Cdckhodn no qu6 h4n tir 10 ngdy d6n 90 ngby;

o Cdckhoin no diAu chinh kj'han tr6 no lAn dAu;

c CilckhoAn ng co c6u lai thoi h4n trA no trong han theo thdi han duoc co cAu lai

Nh6m 3: Nq dordi ti€u chudn

o Ci{c khodn ng qu6 h4n tir 91 dtin 180 ngdyl

o Cdc khoin no co c6u l4i thdi h4n trd no lAn dAu, trir c6c khoan ng di6u chinh kj,h4n tri

ng lAn dAu phAn loai viro rh6m2;

o Cdc kho6n no duoc mi6n hodc gi6m ldi do kh6ch hdng kh6ng dt kha ndng tra lai dAy di

theo hcr,p d6ng tfn dung;

Nh6m 4: Nq nghi ngd

o Cdc khoin ng qu6 h4n rir 181 d6n 360 ngdy;

o C6c khoan no co c6u l4i thdi h4n tr6 no lAn dAu qu6 h4n du6i 90 ngdy theo thoi han

trii nry dugc co c6u 14i lAn dAu;

o Cdc khoin no co cAu l4i thoi han tri no lAn thri hai;

Nh6m 5: Nq c6 kha ndng mtt't vdn

o C6'c khoan no qu6 han trOn 360 ngdy;

o C6c khoan ng co c6u lai thoi h4n tr6 n<v lAn dAu qud h4n tir 90 ngdy rro l6n rheo

thoi

han tri no dugc co c6u lai lAn dAu;

o Cdc khoin ng co c6u l4i thdi h4n tri no lAn thri hai qu6 h4n rheo thoi han tra no

duoc co c6u l4i lAn thri hai;

o C6c kho6n no co c6u l4i thoi h4n tr6 no lAn thri ba tro l6n, k6 cd chua bi qu6 h4n

ho{c dd qu6 hqn;

o Cdc khoan no khoanh, ng chd xir lf;

Theo Quy6t dinh s6 +gztzoo5/QD-NHNN ngdy 22 th6ng 4 ndry 2005 vd Quy€t dinh soI8|2007|QE-NHNN ngiry 25 thang4 ndm2007, AOI vOi c6c khodn no qu6 han, t6 chric rfn dung

phin lo4i lai vdo nh6m no c6 rui ro th6p hor khi Ngdn hdng d6nh gi6ld c6 dir khA ndng thu h6i dAy

du ci g6c vd l6i; vi kh6ch hdng c6 tdi li6u, h6 so chimg minh c6c nguy6n nhdn ldm khoin no ndy

qu6 h4n duoc xu li, khdc phuc Ngdn hdng chu dQng tr,r quytit dinh phdn loai c6c khodn no vdo c6c

nh6m no rui ro cao hcm tucrng img v6i mric dQ rui ro khi xdy ra mQt trong c6c trucrng hqp sau d6y:

o Khi c6 nhirng di6n bi6n U6t tqi tir t6c dQng ti€u cuc d6n m6i truong kinh doanh vd

linh vtrc kinh doanh;

o Cdc chi tiOu tdi chfnh cua kh6ch hang ho4c khd ndng trA no cia kh6ch hang bi suy gi6m;

o Kh6ch hing kh6ng cung c6p cho Ng0n hbng c6c th6ng rin rdi chinh kip

thoi, dAy du

vd chfnh x6c d6 Ngdn hdng dr{nh gid kha ndng rrd no cua khdch h}ng

NgAn hing TMCP Shi Gdn - Hn NQi

Dq phbng rrii ro tin dgng: ViQc tinh dg phbng cu th6 dugc cdn cri trOn cdc ty lQ 6p dung cho

timg nh6m no nhu sau:

Nh6m Lo4i Tf le dr; phbng cU th6

9 Tii sin c6 einn

T)i sdn cO einfr dugc thd hi6n theo nguyOn gi5 trir di kh6u hao lfry k€ Nguydn gi6 bao g6m

tobn b6 c6c chi phf mb Ngdn hdng ph6i bo ra dd c5 duoc tbi sAn cO Ainfr tinh d€n thoi di6m dua tii

s6nd6vbotrangth6is5nsdngsudung'T)is6ncoeprrdugctinhkh6uhaotheophucrngph6p

dudng thing eC tru dAn nguy€n gir{ tdi sin trong su6t thoi gian hiru dpng u6c tinh nhu sau: ,,

Quy6n sri dung dAt duoc khAu hao theo phucrng ph6p dudng thdng phn hqp v6i Gi6y chrlng

nhan quy€n sri dung d6t quy6n su dgng d6t vo thoi h4n duqc ghi nhAn theo gi6, g(:cvd khing tinh

kh6u hao

10 Tidn vi c6c khoin tumrg tluong ti6n

Ti€n vd c6c kho6n tucrng duong ti6n bao g6m ti€n mdt, vdng, dd quy,tien gui thanh ro6n tai

NHNN, t(n phi6u Chinh phu vi cdc gi6y td c6 gi6 ngin h4n dri di6u kiQn chi6t kh6u v6i NHNN, c6c

khodn ti€n giri thanh to6n vd tidn gui, cho vay tai c6c td chric tin dpng kh6c c6 thoi h4n d6o h4n

kh6ng qu6 3 th6ng kd tu ngdy giri

11 C6c c6ng cg tii chinh ph6i sinh

C6c cOng cg thi chfnh ph6i sinh duoc ghi nhfn tr6n bdng cdn aoi tc to6n rheo gi6trihqp d6ng

vdo ngdy giao dich, vd sau d6 dugc d,6nh gi|lai theo gi6 tri hqp ly Lgi nhufn hoac l5 khi cdc c6ng

cg tbi chinh ph6i sinh duoc thuc hi6n dugc ghi nhan trong b6o c6o k€t quA hoat dQng kinh doanh

Lqi nhuan hoac l5 chua thgc hi6n dugc ghi nhfln vio khoAn muc chOnh lpch drinh gi6lqicdc c6ng .

Ngdn hing TMCP Sii Gdn - Hn NQi

cu tai chfnh ph6i sinh trOn bing cdn d6i kt5 to6n vh duoc k6t chuydn vdo ktlt quii hoar dQng kinh

doanh vdo thoi di6m cu6i nam

12 Ghi nh$n thu nhflp/ chi phi ldi

Ngdn hdng ghi nhAn thu nhQp tu ldi vd chi phf ldi duoc ghi nhfln trOn b6o c6o kdt qud hoat

dQng kinh doanh trOn co so dp thu, du chi

1.3 Ghi nh$n thu nhfp tir phi vi hoa hdng dich vq

Ngdn hdng thu phi tir c6c dich vu cung c6p cho kh6ch hdng Thu nhflp tir phf c6 th6 chia thdnh

c6c nh6m sau:

o Phi thu tb viQc cung clip dlch vqt trong mQt thdi gian nhdt itlnh: phi rhu rir vi6c

cung cdp dch vu trong mQt thoi gian nhdt dinh duo c dF thu trong su6t thdi gian d6 phi ndy

bao gdm phf qu6n ly, phi nhan iry th6c, hoa h6ng vd cdc phi liOn quan d6n cfp tin dung,

quin lf tii sdn, phi qudn lf danh muc vh ci{c chi phi quin lf cfing nhu phi tu v6n khi{c

)

o Phi thu tilviQc cung ciip dlch vy giao dlch: Phiph6t sinh rir vi6c dlm ph6n vh tham :

gia ddm phdt c6c giao dich cho mQt bOn thri ba, vi du nhu ddn x6p viQc mua c6 phAn hodc

c6c lo4i chimg kho6n khdc hodc mua lai doanh nghiQp , dugc ghi nhfln khi hohn tft giao

dlch liOn quan Phf ho4c mQt phAn cira khodn phi nby c6 liOn quan d6n vi6c rhuc hiQn mQt ;

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Ngdn hing TMCP Sii Gdn - He NQi

15 Ti6n m{t, ving b4c, tI6 quf

Ti€n mdt bdng VND

-.1 -., J

Ti€n mdt bdng ngoai td

16 Ti6n gui t4i NgAn hing Nhi nutic

Ti€n gui thanh to6ntarNgdn hbng Nhb

NgAn hing TMCP Sii Gdn - Hn NQi

18 Chfng kho6n kinh doanh

3r/03/201r VND

Chftng khodn kinh doanh khdc

Dqt phdng gi,rtm gid ch*ng khodn kinh

- Chua niOm y6t

Chrhng khodn kinh doanh khdc:

NgAn hing TMCP Sii Gdn - Hn NOi

19 c6c c6ng cg tii chinh ph6i sinh vir c6c tii sin tii chinh kh6c

T6ng giti tri cua

T4i ngiy 31 th6ng 3 nim 20tl

C6ng cy TC phdi sinh tiin tp

Giao dfch lc! hqn ti€n tQ 803,S86,756,164

Giao dich ho6n ddi ky han

903,996,756,164

T3i ngiy 01 thdng 01 nim 2011

C6ng cy TC phdi sinh tiin t(

Giao dich kj'han ti€n t6 138,561,862,265

Giao dich hordn ddi ky han 49,902,858,800

20 Cho vay kh6ch hing

Cho vay c6c t6 chric kinh t6, cltnhdn trons

Cho vay bing v6n tdi tro, riy th6c dAu tu

Cho vay dOi vOi c6c t6 chric, c6 nh6n nu6c

19,301,930,I74_

25,045,359,956,100

l0

NgAn hing TMCP Sii Gbn - Hi N6i

20.1 Phin tich ch6t lugng ng cho vay

Doanh nghiQp Nhd nudc trung uong

Doanh nghiQp Nhd nuoc dia phucrng

791,99I,439,363

74,971,593,31440,408,498.778

23,363,668.334.877596.554.769.83336,159,292,94239,376,036,390

3r/03/201r VND

0I/01/2011 VND

14,650,919,047 ,7gl

6,452,900,960.370

3 ,94I,539 ,947 ,g4g

15,595,701,013,1g95,390,059,295,3403,315,394,695.034

5,499,914,931 ,435

0

466,540,248,327

315,113,339,680 9,619,425,002 9,043,443,495,623 124,470,459,19g

Vo

67.39 s.02

2.66 6.55 19.65 8.40 21.96

0.00

1.86

r.26 0.04 32.12 0.50

3t/03/201rVND

0t/0r/2011VND

13,720,512,092,554 56.46

468,829,488,391 r.9333,129,458,051 0.14800,504,985,460 3.29

4,572,949,481,058 18.821,603,339,586,917 6.60

5,531,298,442,466 22.76

600,000,000 0.00

235,041,938,823 0.97418,702,346,512 1.7256,110,364,816 0.23

10,569,191,g27,030 43.4g

12,450,073,979 0.05100.00 24,301,153,993,562 100.00

ll

25,045,359,956,100

W SHB

Ngin hing TMCP Sii Gdn - HA N6i

20.4.Phdn tich du nq cho vay theo nginh kinh t6

3r/03/201rVND

0t/OLt20trVND

Thuong nghi6p, sfta chta xe c6 tl6ng co,

m6 t6, xe m6y, cl6 ding ci4 nh6n vi gia dinh

Kh6ch san vb nhi hing

Vfln tdi, krho b6i th6ng tin liOn lac

Hoqt dQng tdi chinh

Hoat dQng khoa hoc vd c6ng ngh6

C6c ho4t d6ng li€n quan kinh doanh tdi s6n

vd dich vu tu vAn

Quin lf nhd nu6c vd an ninh quric phdng

(Ding, dodn th6, d6m b6o xI h6i bdt buQc)

Gi6o duc vi ddo t4o

Y tt5 vi hopr rlQng criu tro x6 hQi

Hopt dQng vdn hoii thi5 thao

Ho4t dQng phqc vq c6 nh6n vi c6ng d6ng

Ho4t tlQng dich vu tai hQ gia dinh

Hoat ddng c6c t6 chr?c vd dodn ttr6 qui5c t6

Nginh kh6c

12,669,t 16,168

200,362,879,649 62,613,399,890 55,099,191,903 4,584,075,366,525

132,140,401,767 12,522,619,978 663,937,630.927 25,045,359,956.103

0.05

0.80

0.25 0.22 18.30 0.53 0.05 2.65

-100.00

15,600,000,316 175,000,003,s43

45,700,000,925

42,500,000,861

5,780,565,618,5s3 120,400,002,438 9,393,000,190 542,950,010,994 24,301,153,993.562

4.80

0.88 7.22

14.1 0 J.l I

I 1.09

15.62

2.41 9.28 2.44 0.35

0.85

0.06

0.72 0.19 0.11 23.79 0.50 0.04 2.23 100.00

1 ,217 ,204,493 ,861

t52,422,5t5,184

2,134,612,122,07 5

3,63r,577,193,635 816,581,598,464 2,906,216,494,199 4,490,633,040,129 196,442,446,604

2,409,363,627 ,717 375,680,399,342 122,722,263,785

201,816,487,636

4.86 1,165,421,023,5980.61 2r3,165,004,3168.52 1,755,000,035,536

14.50 3,426,000,069,3703.50 794,000,016,077

l 1.60 2,696,000,054,s89

17.93 3,796,000,016,8623.18 585,000,011,845

9.62 2,254,000,045,6391.50 593,153,012,022

0.49 84,500,001,71 1

0.83 206,200,004.175

DU phdng giim do xir ly c6c khoin nq kh6

thu h6i bing ngu6n dU phdng

EiAu chinh tlng/ (gidm) kh6c

Dy phdng gi6m do xir ly c6c khoin no kh6

thu h6i bing ngu6n dp phdng

Sti au cuiii ty

22.Chfimgkho6n tliu tu

22.1 ChnrrLg kho6n ttiu tu sfrn sing Ce n6n

Chtntg khodn Nq

Chrmg kho6n Chinh phri

Chung kho6n Ng do cric TCTD kh6c trons

3,019,427 ,293,4073,962,640,215,916

7,2111235,119,909'350,000,000,000

3,001,696,034,713

3,859,549,095,196

20,r26,000,000

, 71,329,170,0009,797,930,000

(13,419,974,900)

7,217,942,245,109107,732,171,165

7,g3g,ggg,715,g23

W s}{s

Ngffn hing TMCP Sii Gdn - He NQi

22.2 Chirng kho6n tliu tu giir tl6n ngiy tl6o h4n

Chimg kho6n Chinh phir

Chimg kho6n No do c6c TCTD kh6c trong

nu6c ph6t himh

Dg phdng gi6m gi6 chimg khoiin dAu tu gifr

d€n ngdy d6o h4n

23.G6p viin, ttiu tu dhi h4n

- PhAn tich gi6 tri tIAu tu theo lopi hinh dAu tu:

Ddu tu vho cOng ty con

C6c kho6n dAu tu vdo c6ng ty liOn doanh

C6c khoAn dAu tu vio c6ng ty liOn k6t

C6c khoin dAu tu ddi han kh6c

Dg phdng giAm gi6 dAu tu dhi h4n

- Danh mgc c6c khoin tliu tu, g6p v6n nhu sau:

TGn c6c tlon vi

COng ty CP Ddu tu vi PT Cao Su NghQ An

C0ng ty CP quan lf qu! dAu tu Sii Gdn - Hi N6i

C6ng ty CP CK Sii Gdn - Ha NOi

COng ty CP Cao Su Phuoc Hba

C6ng ty CP Ph6t Tri6n An Vi€t

COng ty c6 phAn bdo hi€m SHB Vinacomin

COng ty CP dAu tu xdy dpg LILAMA - SHB

C6ng ty CP th€ ttrao SHB Dn Ning

Cdng ty CP Thriy sdn Gentraco

Cty CP Diu tu Tii chinh.Nam Vi€t

C6ng ty CP BDS An Thinh

COng ty Qu6n ly ng vd khai th6c tii san SHB

COng ty CP DAu tu BDS Gentraco

11,000,000,000 11.00550,000,000 I1.00

8,000,000,000 g.g01,500,000,000 1.258,000,000,000 10.00

20,000,000,000 100.002,500,000,000 5.00143,500,000,000 g.g0

600,000,000 0.405,200,000,000 10.40

92,190,000,000 9.2227,g59,000,000 0.62

1,000,000,000 2.0030,000,000,000 10.00

I 1,000,000,000 I 1.00

550,000,000 11.00

9,000,000,000 g.g01,500,000,000 1.258,000,000,000 10.0020,000,000,000 100.00

2,500,000,000 5.00139,000,000,000 9.50 341,999,000,000 337,399,000,000

I4

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