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1 Thdng tin vG ngin hirng

Gi6v ph6p ho4t ilQng

tliiil:1ffi?l',1'.jft:J*h';J;u6c viQt Nam c6ptholi han hoat ddng cna Ngan hdng ld 40 ndm kil til ngdy c6p giSry phep dAu ti6n

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Ong Nguy6n Hii'u Dilc Thdnh vi€n

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6ng BniTin Nghi Ph6 T6ng Gidm doc Bo nhi€m ngdy 05 th6ng 6 ndm2007

$ng L€ Ddng Khoa Pho Tong Giam d6c Bo nhiCrn ngdy l0 thring 4 ndm 2009ph4m Vdn Thing Pho Tong Giam d6c 86 nhi6m ngdy 0l th6ng 1 I n[in'2010Ng6 Thu Hd Ph6 T6ng Gi6m cl6c 86 nhiem ngdy 15 th6ng 3 ndm 2011

Ninh Thi Lan phuo.ng Ph6 T6ng Gi6m d6c Bd nhi€m ngdy 08 th6ng 06 nirm 2012

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2 Dic cli6m ho4t itQng ciia td chrlc tin dgng

Ng6n hdng Thuo.ng mai Cd phAn Sdi Gon - HA NQi (du6i dAy goi tdt lir "Ngdn hdng") ld m6tngdn hdng thuo.ng mai c6 phAn ViQt Nam thdnh lQp tAi nu6c C6ng hda Xd hOi Chfi nghTa Vi6t Namv6,ithd'i gian ho4t ddng ld 40 ndm theo 0041-NH/GP ngdy 13 thring 1l ndm 1993 cfia Ngdn hdng

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Ngffn hhng TMCP Shi Gdn - Hi NQi

HQi s6'chfnh c[ra Ngdn hdng d{t t?i Sd 77 - Trdn Hung Dao - Q.Hodn Ki€m - HA NQi - Vi0t Nam

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quyit6i sang VND theo ty gi6 quy dinh vdo ngdy lQp b6ng cAn O6it<C todn.C6c khodn thu nhdp vd

thdng qua giao dich mua b6n ngo4i tQ Ch6nh lQch tj' gi6 do clinh gi6 lai c6c tdi khoAn kinh doanhngoai t0 cluo.'c h4ch to6n vdo b6o c6o Kdt qu6 Hoqt d6ng Kinh doanh vd loi nhu6n e'5 tai Ch€nh

lQch tj, gi6 ph6t sinh do quy ddi cdc tai sin vd cdng no- kh6c bang ngoai tf sang VND duo c xir lyviro doanh s5 cira c6c kho6n mUc tuong ri'ng tr0n bdng cdn O5l t<C to6n viro ngdy l6p b6o c6o tdichfnh

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quA hopt cl6ng kinh doanh

6 Chrirng khorin dAu tu sfrn sirng OO nen

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Ngdn hhng TMCP Sii Gdn - He NQi

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duo'ng thdng C6c chf'ng khorin ndy dugc ilinh gi6 dinh kj theo gi6 tri thi truong vd dy phdng gi6m

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vdo b6o c6o kdt quA hoat clQng kinh doanh

7, Chrirng khoin kinh doanh

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ciic chf'ng khoiin ndy theo gi6 g6c vdo ngdy giao dich Trong c6c k! ti6p theo, ciic chring khorin tii5p

tuc duo-c ghi nhAn theo giri g6c Tuy nhi€n, gi6 tri thi trudng cia ciic chti'ng khoiin v6n dugc NgAn

hang theo d6i de danh giri ve Ura ndng gi6m gi6 khi gi6 tri thi trud'ng th6p ho'n gi6 g6c Ngoai trir

trud'ng ho-p khdng th6 x6c dinh gi6 tri thi trud'ng mQt c6ch ch6c chin thi gi6 tri cira chfng duo c tinh

dua tr6n nguyen gi6 sau khi trir di t6n th6t udc tinh (n6u co) Lii hodc l5 tir kinh doanh chfng

kho6n dugc ghi nhAn tren bao cao k6t qud ho4t clQng kinh doanh theo s5 thuAn.

C6c khoAn cho vay ngln han c6 kj,hqn dudi 1 nim; c6c khoAn cho vay vd cho thuO tdi chfnh

trung han c6 kj,han tu' I nam d€n 5 nam vd cac khoAn cho vay vd cho thu€ tdi chfnh ddi han c6 k!

han tr€n 5 ndm k6 tir ngdy gidi ng6n.

ViQc ph6n loai no- vd l4p dU phdng nii ro tfn dung dugc thuc hi6n theo Quytit dinh s6

493120051QD-NHNN ngity 22 th6ng 4 ndm 2005 va Quy6t dinh s5 l8l2007lQD-NHNN ngiry 25

thdng 4 ndm 2007 cria Th6ng d6c NgAn hdng Nhd nudc Vi6t Nam C6c kho6n cho vay duo-c phdn

thdnh ndm nh6m no cdn cf vdo tinh hinh trd no vd ciic y6u t6 dinh tinh nhu sau:

o Circ khoAn no'trong han md Ngdn hdng d6nh gi6 ld c6 dir kha ndng thu hdi dAy d0 ca

g5c vd ldi dfng tho'i han;

Ciic khoAn no qud han duo'i 10 ngay vd NgAn hdng d6nh gi6 ld c6 khd nang thu hoi

d6y dri gdc vd lai bi quri han vd thu h6i dAy dn g6c vd ldi dring thoi han cdn lai;

Nhdm 2; Nq can chti y

C6c khodn no- clieu chinh kj'han tr6 no lAn dAu;

C6c kho6n no- cd c6u lai thoi han tri no trong hgn theo thd'i han duo c co c6u lai

Nhdnt J.' Nrr dtrcti tiQu chuan

, c Cdc kho6n no- quii han tir'91 d6n 180 ngiry;

L

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a t

Ngdn hhng TMCP Shi Gdn - Hn NQi

Cdc kho6n ng co'cAu lai thoi han trA no lAn dAu, tril ciic khoin no- <li€u chinh kj' han trd

ng lAn dAu phAn loai vdo nh6m 2;

CttckhoAn no duo c mi6n hoic gi6m l6i do kh6ch hdng kh6ng dir kha ndng trA lai dAy drl

theo hqp dong tin dqng;

Nhdm 4: Nq nghi ngd

C6c khoirn no- co cAu lai tho'i han trA ng lAn dAu qud han du6'i 90 ngdy theo thd'i han

tr6 ng duo-c co c6u lai lAn dAu;

o Cfrc khoin no co c6u hi thoi han trir no- lAn thri hai;

Nhdm 5: Nq c6 khd ndng mtit viin

o C6c khoAn no quii han tr€n 360 ngdY;

Cic kho6n no co c6u lai thoi hpn tr6 no lAn dAu qu6 han tir'90 ngdy tro' l€n theo thd'ihan trA no- duo-c co'c6u lai lAn dAu;

no- duo-c co cAu lai lAn thfl hai;

o C6c khoAn no co cAu lai thd'i han trA no- lAn thrjr ba tro'ldn, k6 ca chua bi qu6 h4n

Cfrc khoAn ng khoanh, no- chd xu lY;

Theo euytit drnh s6 +SZIZOO5/QD-NHNN ngiry 22 thitng 4 ndm 2005 vd Quy6t dinh s6

phAn lo4i lai vdo nh6m no- c6 nii ro th6p hon khiNgAn hdng cl6nh gi6 ld c6 dt kha ndng thu nOi Aay

di cA g6c vd ldi; vd kh6ch hdng c6 tdi li€u, hd so chung minh c6c nguy€n nhdn ldm khoan no- ndyquil han duo c x0' ly, khdc phuc Ngdn hdng chir ddng tLI quy6t ainn phAn loai c6c khoAn no viro c6c

nh6m no rti ro cao ho-n tuong ilng v6i mri'c dQ rti ro khi xdy ra mdt trong c6c trud'ng ho-p sau ddy:

Khi c6 nhtng di6n bitin b6t lo.'i tt t6c dQng ti6u cg'c d6n mdi truong kinh doanh vdlTnh vuc kinh doanh;

o Circchi ti6u tdi chinh cira kh6cJrhdng hoic khA ndng trd no c0a kh6ch hdng bi suy gidml

o Kh6ch hdng khdng cung c6p cho NgAn hdng ciic thOng tin tdi chinh kip thoi dAy du

vd chfnh x6c d€ Ng6n hdng cl6nh gi6 kh6 n6ng tr6 no- cr]a kh6ch hdng

Dr,r phdng riri ro tin dgng: ViQc tfnh du phong cu thrS duo-c cdn cf tr6n cic ty l€ 6p dung cho

No du6'i ti6u chuAn No- nghi ngo

N0 co Kna nang mal von

- Nhd cira, vdt ki6n trfc

- M6y moc, thi6t bi

- Phuo-ng ti0n vdn tdi

- DUng cg qudn l;f vd phAn m6m tin hoc

9 Tdi sin c5 dintr

Tdi s6n cO einn duo c thti hi€n theo nguy€n gi6 trir di khAu hao lfry k6 Nguy0n gi6 bao gdmtodn b0 c6c chi phi md Ngdn hdng phdi bo ra d6 c6 cluo-c tai sin c6 dinh tinh d€n thd'i cli€m clua taisan d6 viro trang thai sin sdrng su dung Tai sdn c6 dinh duoc tfnh khdu hao theo phuong phap

10 Ti€n vir c6c khoin tucrng ttuung tidn

Ti6n vd c6c khodn tuong duo'ng ti€n bao gdm ti€n m{t, vdng, cl6 quy, ti6n gui thanh to6n tai

khodn ti6n grii thanh to6n vd ti€n gui, cho vay tai c6c t6 chric tin dqng khric c6 thd'i h4n d6o hpn

khdng qua 3 thdng k€ tu ngay gui

ll Cfc cOng cg tii chinh Phii sinh

C6c cong cu tdi chinh ph6i sinh duo c 'ghi nhQn tr€n bAng can A6i fe toan theo giri tri ho p clOngvdo ngiry giao dich, vd sau d6 duoc cLinh gi6 lai theo gi6 tri ho p ly Lgi nhuAn ho4c 16 khi c6c cdng

cu tdi chinh ph6i sinh dugc thgc hi€n dugc ghi nhQn trong b6o c6o k6t quA hoat dQng kinh doanh

Loi nhuQn ho4c 16 chua thuc hi€n dugc ghi nhdn vdo kho6n muc ch€nh l€ch cl6nh gi6 lai ciic cdng

cu tdi chfnh ph6i sinh tr6n bing cdn cl6i k6 to6n vdr duoc k6t chuyCn vdo k6t qud hoat clOng kinhdoanh vdo thdi cli6m cu6i ndm

7;-= SHB

Ngdn hhng TMCP Shi Gdn - Hn NQi

12 Ghi nhdn thu nh4p/ chi phi lfli

NgAn hdng ghi nhdn thu nhQp tii ldi vd chi phi lii tr€n bao c6o k6t qud hoat cl6ng kinh doanhtr€n co'so'du thu, du chi

13 Ghi nhin thu nhflp tir phi vdr hoa hdng dich vU

.Ngdn hdng thu phf tt c6c dich vu cung c6p cho kh6ch hdng Thu nhQp tn'phi co th€ chia thanhciic nh6m sau:

o Phi thu tt vi(c cung cdp rtlch vy trong mQt thdi gian nhAt clinh: Phi thu tir vi0ccung c6p dlch vu trong mQt thdi gian nh6t dinh dugc dr,r thu trong su6t tho'i gian d6 Phi ndybao gdm phi quAn ly, phi nhAn iry thiic, hoa hdng vd cric phf li€n quan dt5n c6p tfn dung,qu6n ly tdi sdn, phi qudn ly danh muc vd c6c chi phf quan ly cfrng nhu phi tu v6n khiic

o Phi thu tir viQc cung cdp dlclt vqr giao dlctt: Phf ph6t sinh til viQc cldm ph6n vd thamgia ddm ph6n c6c giao dich cho mQt b€n thf'ba, vi dqr nhu dAn x6p vi€c mua cd phAn hoac

- cdng viOc nh6t dinh s€ cluo-c ghi nhdn khi hodn tAt di6u ki6n tuo-ng ri'ng.

NgAn hhng TMCP Shi Gdn - Hi NQi

Ti6n m4t bdng VND

Ti€n mqt bang ngo4i tQ

- Ti6n gui thanh to6n t4i Ngdn hdng Nhir nu6c

.^.1

'ti€n gui phong toa (n€u c6)

17 Tiirn, virng gfri t4i c6c td chric tin dgng khdc

Tiin, vdng giri khAng ky hqn

293,734,281,400131,369,301,883

25,025,720,057 ,5042,320,221,400,000

3,158,245,174,689

3,071,464,,87 6,g9886,780,297,69115,449,892,814,830

14,079,410,414,8301,370,482,400,000

30,139,777,267,152 18,608,137,989,519

Chftng khodn kinh doanh klttic

Dqr phbng gidm gid chftng kltodn kinlt

- Chua ni€m y6t

Chfrng khorin kinh doanh klttic:

Ngdn hing TMCP Sii Gdn - Hn NQi

19 Cric cdng cg tii chinh phfi sinh vi cdc tii sin thi chfnh khdc

T6ng gid tri cua hqp

T4i nghy 30 thfng 06 nim 2012

C6ng cq TC phrii sinh tiin tQ

.t ^

urao olcn KY nan Uen te

Giao dich ho6n d6i kj, h4n

'I4i ngiy 31 thdng l2 nim 2011

COng c4 TC phrii sinh tiin tQ

,'l

trlao OlCn Ky nan tlen te

Giao dich hoan d6i kj' h4n

1,3 76,776,220,098 768.448,370,000 608.327,850.098

398,483,360,912 343,538,67 t,112

54,944,689,800

5,528,562,238 s,528,562,238

4,035,834,699 4,619.608,299

579,683,1 I0

579,683.1 I 0

(6 r 3.773.600)

31il2t2011VND

20 Cho vay khdch hing

Cho vay c6c t6 chf'c kinh t6, cd nhAn trong

nu6c

gidy td'c6 gi6

Cho thu6 tdi chinh

C6c khodn trA thay kh6ch hdng

' J ,( .

Cho vay bdng vdn tdi tro uy thric ddu tu'

Cho vay e6i vOi cric t6 chfc, c6 nhdn nudc

283,841,67 5

7,294,583,180238,688,880,00020,149,377,478

28,920,227,441,80422,168,473,454

= SFIB

NgAn hhng TMCP Sii Gdn - Hd NQi

20.1 Phfln tich chft lugng ng cho vay

Ng clu ti6u chudn

\ 1 '

t\o can cnu y

\o duoi ti6u chu6n

N9 nghi ngo

- ! :

l\o co Kna nang mar von

20.2 Phin tich du nq theo thdi gian

No ngan han

-Ng trung han

No ddi han

Cho vuy ctic TCKT

Doanh nghiQp Nhir nudc trung uong

Doanh nghi0p Nhd nudc dia phuong

Doanh nghiQp tu nhAn

Doanh nghi€p c6 v6n dAu tu nu6c ngodi

: ^ , i

Klnn le tap tne

Cho vay cd nltin

Cho vay klttic

29,941,663,867 ,686

|,006,204,281 ,594174,778,905,323284,073,500,324

3 15,886,526,91 8

27 ,413,610,255,5177,093,637 ,444,907219,922,396,906154,147,495,684278,343,046,891

6,448,585,977 ,7934,987,071,316,204

6,394,82r,023,3564,252,800,258,46330,722,607,081,845 29,159,660,639,905

20.3 Phfln tich du nq cho vay theo tISi tuong khrich hing vdr lo4i hinh doanh nghiQp

3010612012

tri6u VND

3u12t20tltriQu VND '/"22,129,930

r,206,515 481,917 1,473,897 6,608,148 2,263,412 9,196,969 4,234

5 I 8,941

33r,r95 44,'.703 9,447,145 145,532

72.03 3.93 1.57 4.80 2l.51

29.94 0.0 r

1.69 1.08 0.15 27.49 0.47

19,951,578 73.02 791,37 5 3.55

t,063,033 4.78

6,280,638 21.042,138,t44 7.68 8,5't 5,624 29.08t,319 0.01531,685 2.67328,493 2.56t6,867 0.09

9,075,962 26.48

I3I,I21 0.51

30,722,607 100.00 29,158,661 100.00

Ngdn hhng TMCP Sii Gdn - Hn NQi

20.4 Phdn tich du ng cho vay theo nginh kinh tG

30t06t2012trigu VND

SAn xu6t vd phdn ph6i dign, khi dt5t, nu6c

L.

n6ng hoi nudc vir dieu hda khong khi

Cung c6p nudc; hoqt dQng qu6n lyi vd xu llf

r6c thai nu6c thai

Xdy dpng

B6n bu6n vd b6n le; sua chira 6 t6 m6 t6, xe

m6y vd xe c6 dOng co kh6c

Van trii kho bai

Dich vu luu trri vir 6n u6ng

I , ^

l nong Irn va truyen Inong

Hopt dQng tdi chinh ngdn hirng vir bao hi6m

Ho4t dQng kinh doanh b6t dQng sdn

Ho4t dQng chuy€n m6n, khoa hgc vd c6ng

nghe

Ijoat tlOng hdnh chfnh vd dich vu h6 trg

Ho4t dQng cia Dang CQng sdn, t6 chr?c chinh

tri - xi h6i, qudn lj nhd nuoc, an ninh qu6c

Gi6o duc vd ddo t4o

Y t6 vd hoat d6ng trg gitip xd hQi

NghQ thu4t, vui choi vd gi6i tri

Hopt dQng dich 4r kh6c

Hoqt dQng ldm thud c6c cdng viQc trong c6c

h6 gia dinh, sdn xu6t san phAm v4t ch6t vd

dich r,,u tu ti€u dirns cua h6 eia dinh

Ho4t dQng cua c6c td chfc vir co quan qu6c t6

4,654,700 2,578,051 4,996,113 533,157

15,090 3,945,800

140,208

10,233

15.15 8.39 16.26 1.74 0.03 9.70 20.85

).JJ

3.68 0.13 0.58 4.40 0.0s 0.1 I 0.01 '0.03 0.17 0.05 12.84 0.46

0.03

3,478,762 12.302,676,492 9.53

1.40 4.45 0.07

Du phdng gi6m do xir l;i c6c khoan ng kh6 thu

h6i bang ngu6n dg phdng

Di0u chinh tdng/ (gidm) kh5c

Dq phdng gi6m do xu l! c6c kho6n no kh6 thu

- h6i bdng ngu6n dq phong

Sii clu cuiSi t<i'

- Chrlng kho6n V5n.rlu6'c ngodi

Dq phbng gidm giti cht?ng kltocin sfn sdng

L54,962,118,692-15,918,262,078

164,823,526,71435,180,904,284

107,732,171,16547,968,947,527739,000,000

16,023,903,57911,688,790,000

4,335,113,579

(g,445,433,57g)

I2,230,528,533,537950,000,000,000

t3

,{ffi.SIJ^'J Ngdn hhng TMCP Shi Gdn - He NQi

22.2 Chtrng khorin dAu tu gifr tl6n ngiry tl6o h4n

Chung kho6n Chinh phri

Chung kho6n Ng do cric TCTD kh6c trong

nudc ph6t hdnh

- Chring kho6n Ng do c6c t6 chric kinh tti

trong nudc ph6t hdnh

- Chitng kho6n No nudc ngodi

Dp phdng gi6m gi6 chung kho6n diu tu giu

d6n nsdv d6o han

23 G6p v6n, tlffu tu dii h4n

PhAn tich gi6 tri tIAu tu theo lo4i hinh dAu tu:

DAu tu vdo c6ng ty con

r r r rl

C6c khodn ddu tu vdo cdns tv li0n doanh

C6c kho6n dAu tu vdo cdnltv ti6n t Ct

, l

Cdc khodn ddu tu ddi han khric

Du phdng giim gi6 ddu tu ddi h4n

20,000,000,000

334,2gg,000,00;(975,759,107)353,313,240,893 353,313,240,993

t4

Ngdn hing TMCP Shi Gdn - Hn NQi

- Danh mgc cilc khoin tliu tu, g6p vlin nhu sau:

Cdng ty CP Ddu tu vd PT Cao Su NghQ An

Cdng ty CP quan lli qu! ddu tu Sai Gon - IIa NOi

Cdng tv CP CK Sai Gon - Hd NOi

C6ng ty CP Cao Su Phuoc floa

Cdng ry CP Phdr Trien An ViCt

Tdng C0ng ry c6 phAn bdo hi6m SHB Vinacomin

Cdng ty TNHH Son Ldm

Cdng ty c6 phdn ddu tu x6y dung LILAMA - SIIB

Cong ry CP rh6 thao SFfB Dir Ning

Cdng ty TNHH I thanh viOn quan lj' no vd khai thdc tai san SHB

Cdng ty CP -l'hur

sdn Gentraco Cting ty CP BDS An l'htnh

C'l CP Ddu tu Tdi chinh Narr Vi0t

CTCP Phat trien dd thr khu cdng nghi6p SHB (SHB Land)

CTCP Ddu tu Kinh doanh BAt d0ng sdn Gentraco (Gentraco Land)

CT CP Edu tu Phrit tri€n Hdng ViQt

I 1,000,000,000 1 1.00 I 1,000,000,000 I 1.00 550,000,000 I 1.00 550,000,000 I 1.00 20,000,000,000 r00.00 20,000,000,000 100.00

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