ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 4 năm 2012 td bảng cân đối kế toán

TAI SAN I Tien mat, yang bac, dfi gut II Tien girl tai NHNN III Tien, yang girl tai cac TCTD khic ye cho vay cac TCTD khac 1 Tien, yang gin tai the TCTD khac 2 Cho vay the TCTD khac

M SEM SoPtI 0 1r 1714,, 1E1 tr nokit or

NGAN HANG THISONG MAI CO PHAN SAI GON - HA NQI

77 Tran Hung Dao - Quan Han Kiem - Ha Ned

Tel: 04.39423388 Fax: 04.39410942

Bao cao tai chfnh rieng le Quf IV nam 2012

Mau so: Q-Ola

TD - BANG CAN DOI ICE TOAN

Chi lieu

A TAI SAN

I Tien mat, yang bac, dfi gut

II Tien girl tai NHNN

III Tien, yang girl tai cac TCTD khic ye cho vay cac TCTD khac

1 Tien, yang gin tai the TCTD khac

2 Cho vay the TCTD khac

3 Dv phOng rui ro cho vay the TCTD khac

IV Chung khoan kinh doanh

1 Chimg khoan kinh doanh

2 Dv phOng giam gia cluing khoan kinh doanh

V Cfic Ong cy tai chfnh phai sinh va tic tai san tai chfnh khac

VI Cho vay khach hang

1 Cho vay kith hang

2 Dkr pheing rui ro cho vay khach hang

VII Chang khoan din to

1 Chung khoan dau to sari sang de ban

Chung khoan dau to gift an ngay dao han

kr phOng giam gid chi:mg khoan au to

p yen, dau tir dal han

to vao cling ty con

cl on Op lien doanh

Diu to vao cling ty lien ket

4 Dau to dai han khac

5 Dv pang giam gia Mu to dai han

IX TM sin co dinh

1 Tai san co dinh him hinh

a Nguyen gill TSCD hcht hinh

b Hao mon TSCD hint hinh

2 Tai san co dinh thue tai chfnh

a Nguyen gia TSCD

b Hao mon TSCD

3 Tai san c6 dinh ve hinh

a Nguyen gid TSCD v6 hinh

b Hao mon TSCD vo hinh

X BAt dgng san to

a Nguyen gid BDSDT

b Hao mon BDSDT

XI TM san CO khfic

1 Cac khoan phai thu

2 Cac khoan lai, phi phai thu

3 Tai san thue TNDN hoan lai

4 Tdi san C6 khac

- Trong do: LO the thwang mg/

5 Cac khoan dv phOng rti ro cho cac tai san C6 nei bang khdc

TONG TAI SAN CO

Chi ti6u NIn chi

ti6u

Thuy6r

minh

^t

so cuor Ky Sd tIAu nem

B Nq PHAr rRA v.A vON CHt sO Hul.J

t Cdc khodn nq Chinh Phi vA NHNN

lI Tidn giri vA vay crla c6c TCTD khric

I Ti6n gui crla cfc TCTD khdc

2 Yay citc TCTD khdc

III Tidn giri cia khdch Hng

IV Cic c6ng cg tii chinh phfi sinh vi cfc khrin nq tdi chlnh khic

V V6n tAi trq, ui thic itAu tu, cho vay mn TCTD plfri chiu rrii ro

Vl Phit hnnh giAY td c6 giri

VII Cdc khain Nq kh6c

I Cdc klroan lai, phi Phai lra

2 Thui TNDN hoin lai phai tra

3 Cac khcrin phdi tra \a c6ng rP kh6c

350

360 370

371

)t1 )l)

5 tt 400 500 4t0 411 Jl) 413 4t4 415

910 9ll

912

9r3

27

28 l8 29

30 JU

21,777,251,15g,-112

I 5,505,603,159, I 72 6.27 1,648,000,000

71 ,679,865,564,949

3E5,245,424,157

4J70,388,535,054 3,234,783,568,804 1,944,545,894,786

|,249,424,722,050 40,812,951,968 107,447,534,252,136

9,475,507,084,1 r0 8,962,2s I.608.400 8,865,79s,470,000 10r,715,710,000

(5,259,57 1,600)

477,405,147,506 35,850,328,204

116,923,t)41336,246

s,287,1 68,458,408

35,554,000,000

336,437,333, l 8 l 4.915,177 t25,227

65, l 58,r00,r 89,923

5,804,693,009,338 4,908,s3s,898,400

4.8 r 5.795,470.000 98,000,000,000

(5,2s9,57 I ,600)

267,33 1,866,568

628,825,244,-370

70,962,793,799,261 3,208,805,978,726 538.227.852,678 2.670,s78,176,048

| l tru0l0 r r chenh Ech ry sid h6i dodi

\\l\Si,f Ub { ch6nh r€ch ddnh gii rairii sdn

N r\ 5 Lor nhu6n chua Phdn Phii

TONG No- PHAI rRA vA v6x cH0 soH0U

crc csi rltu NGoAI BANG

l Nghio vg nq tiAm An

I Bao linh vay rdn

2 Cam ket trong nghi€P vP L/C

Itwng Thanh Huyln

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77 Trdn Hung Dao - Qudn Hoan Kidm - Hd Ngi

6 ll:" thu.c6c khodn no dd dugc xu lj' xoa bn d6p bang ngudn dU OU

pnong rul ro

ft, 7 Ti0n chi trd cho nhdn vi€n vd ho4t dQng qu6n ly, cdng vr,r (*) 07

'<?\ 8 Tien thu6 thu nhQp thsc nQp trong kj'(*) 08

\4\\

tnrueY\ Luu chuyGn tidn thuAn til ho4t ttQng kinh doanh tru6'c nh&'nB

Onni'or;1,\I\i thar d6i vd tii sen vh r'6n luu dQng

.i',,ii'1, ,) Nhitng thay ddi vi tdi san host dQng

^ llUL/.^- //

Ay q tTang)/Giam c6c khori,n tiAn, vang gui vd cho vay c6c TCTD kh6c I0

Vl l0 1Tangl/Giam c6c khoiin vC kinh doanh chrtng khoSn 11

I I (Tang)/Giam c6c cdng cu tdi chinh ph5i sinh vd c6c tdi san tdi chinh

,,

I LTft'CHTTYEN TIEN TiI HOAT DSNG KINH DOANH

I Thunh4pliivdc6ckhodnthunh4ptuongtUnhflndugc 01

2 Chi phi ldi vd c6c chi phi tuong tU da tra 02

3 Thu nh{p tu hoqt dQng dich vp nhdn clugc 03

I 2 (Tang)/Giam c6c kho6n cho vay kh6ch hdng t3

,, {Tanet/G.iam,:Cy6",lu phdng dd bn dip tOn th6t c6c khoan (tin,O

dung chftng khoan ddu nr ddi h4n.1

Nhttng thay tl6i vi cing nq hor.rt itQng

15 Tdng(Gi6m) c6c khoan ng Chinh phu vd NHNN 16

16 Tdng/(Gi6rn) c6c khoan ti6n gui tidn vay c6c TCTD 17

17 Tang/(Giam) ti€n gti cira kh6ch hdng (bao giim ca KBNN) 18

l8 " ]aiglcia*) hanh duoc tinh phdt hanh giAy vdo td c6 gi6 (ngoai trri gi6y td c6 gi6 ph6t 19

hoat ddng tai chinh) ,n fangl{Ciam) v6n tdi trq, ui,th6c dAu tu, cho vay m?r TCTD chiu rui ,O

20 l*g/lgiu*) cric cong cu tdi chinh phdi sinh vd c5c kho6n nO tdi ,

cnrnn Knac

t3 699 ,339 295,493 (13,608,1 16.639,980)

122,544,647 ,77 4

26,848,547,407 225,728.263,633 3.280,752.001 (2,108, r 99,938,491 ) (28r,248.s72,956) (l,919,823,6,15,119)

(23,062.609.483, r 48) (3,662.626,922.6s3) (r,810,777,361) (27 ,712,410.384,979)

(2.643,507 ,359,246)

(2, I 84,953,736,805) 5,909,8 14.894.302 42,865.218,683,094 (6,834,851.226,126)

158,859,411.738

1,944.737 322,036 '11 7,r 43,9 63,22 4,2 61 y

(2,054,508,443,976)

538.1 75,53 I,3 I 5

(233,747,029,s57;-rr,956,8s9,397 (1,739,123,092,921 )

7 092.537 207 942 (6,081.005,433.75 I )154,862,984.097 44,833,096.065 21,459.568.608 t,258"843.457 ( 1,066,395,1 8 1.639) (255,704;787.602) (88,153,702,823)

(2,499,440,000,000)

(23.927 607 651) (4,035,834.699) (4.e03.825,902.349) (739.000.000) ( 1,335,039.248.669)

| ,281 ,237 585.993 2.637,544.576,966 9,1 73.804,848"988 6,812,064.502-443 (154.012.229.238)

(2,899,s90,560) 288,353.080.600

1 1,180,931,478,998

(7 5,355,873,979') 181,818,r82

( 1 6,900,000,000;

34,685,816.900 (57,388,239,897)

2l Tang(Ginrn) kh6c vO cdng no hoirt dQng

22 Chi tt c6c qu! crla TCTD (*)

Luu chuy6n tidn thuin tir hoqt tlQng kinh doanh

22 23

21

il Ltftl cHUyEN TrEN TU HOAT DQNG DAti ru'

2 TiAn thu tir thanh l1i, nhuqng brin TSCD 26

3 Ti6n chi tir thanh l1f, nhugng b6n TSCD (*) 27

4 Mua sam U6t dQng san dAu tu (x) 28

5 Ti6n thu tir b6n, thanh ly bir dQng srin clAu tu 29

6 Ti6n chi ra do b6n, thanh ly bat dQng san dAu tu (x) 30

,

-.i r 1i , :

7 Ti6n chi cldu tu, gop von vDro c6c dcrn vi kh6c 31

8 Ti6n thu ddu tu, g6p v6n v?ro cdc don vl kh6c 32

^ Tien thu co ruc vd lgi nhudn duoc chia tir c6c khoin dAu tu, e6p v6n ^ ^

o

Luu chuy6n tidn thuAn tir ho4t tlQng itAu tu 31

III LTIT] CHUYEN TTEN TU HOAI'DONG TAI CHiNH

non ngayetthcing Obaam 2013

Nguyin Van Le"

I Tang von co phen to gap yen va/hoac phat hanh co phieu 35

2 Tian thu to phat hanh grey ter c6 gid dai han c6 du dieu kian tinh vac) 36

yen tq c6 va cac khoan von vay dai han }chez

3 Tien chi thanh loan giay 16 c6 gid dai han c6 du dieu kiin tinh van 37

von tit c6 vb cac khoan vain vay dai han khac

4 CO tdc tra cho c6 Ming, Igi nhCian da chia (*) 38

5 Tien chi ra mua car phieu ngan qu, (*) 39

6 Tian thu duqc do ban co phieu ngan quy 40

Lim chuyen tien thuttn th ho3t dgng tai chinh 41

IV Lyn chuyen tien thuan trong ky 42

V Tien va cic khoan twang throng tien tai that diem dtiu ky 43

VI Dieu chinh anh hinfing caa thay gia 44

VII Tien va cat khoin Wang dung tien tai thrti diem cu6i kji 45

4,053,715,710,000

(262,997,629,820) (611,882,907,450)

3,790,718,080,180 (611,882,907,450) (15,091,368,226,908) 10,511,660,332,651 20,013,338,515,106 9,501,678,182,455

THUYET MINH BAO CAO TAI CHINH RIENG LE

Cho Quy IV nam 2012

11 SHB

Ngfin hang TMCP Sal Gen — Ha Nie

THUYET MINH BAO CAO TAI CHINH RIENG LE

Qujr IV nam 2012

1 Thong tin ve ngin hang

GiAy phip hoat long 0041-NH/GP ngay 13 thong 11 nam 1993

Giay phep hoat do, ng do Ngan hang Nha nu6c Viet Nam cap Then han hog ding cira Ngan hang la 40 nam ka tir ngay cap giay phep dau tien

110i ding Quin tri

Ong De Quang Hien

Ong Nguyen Van Le"

Ong Trgi Ng9c Linh

Ong Pham HOng Thai

Ong Pham Ng9c Tuan

Ba Darn Ng9c Bich

Ong Le Quang Thung

Ban kiem suit

Ong Pham flea Binh

Ong Nguyen Him Dire

Ba Hoang Thi Minh

Ong Bui Thanh Tam

Ban TOng Giiim dOc

Ong Nguyen Van Le

Ong Dang Trung Dung

Ong Bin Tin Nghi

Ong Le gang Khoa

Pham Van Thang

Truing ban Pho twang ban Thanh vien Thanh vien

Tong Giam dtic Pho TOng Giant &tic Pho TOng Giam doe PhO TOng Giam dtc Phi:5 TOng Giam dOc Pho TOng Giam d'oc Pho TOng Giant doc kiem Ke toan Truing Ph6 Tong Giam

Tai bo nhiem ngay 05 thang 5 nam 2012 Tai bb nhiem ngay 05 thang 5 nam 2012 Tai bt nhiem ngay 05 thang 5 nam 2012

BO nhiem ngay 05 thang 5 nam 2012

BO rthiem ngay 05 thang 05 nam 2012

BO nhiem ngay 05 thang 05 Mm 2012

BO nhiem ngay 05 than 05 nam 2012

Tai bo nhiem ngly 05 thang 05 nam 2012 Tai bo nhiem ngay 05 thang 05 nam 2012

BO nhiem ngay 05 thang 05 nam 2012 Tai 13'6 nhiem ngay 05 thang 5 nam 2012

Tai 1)6 nhiem ngay 21 thong 5 nam 2010

BO nhiem ngay 01 thang 9 nam 2006

BO nhiem ngay 05 thang 6 nam 2007

BO nhiem ngay 10 thing 4 nam 2009

BO nhiem ngay 01 thang 11 nam 2010

BO nhiem ngay 15 thang 3 nam 2011

BO nhiem ngay 08 thang 06 nam 2012

BO nhiem ngay 09 thang 10 nam 2012

Try so chinh SO 77 - Tran Hung Dao - Q.Hoan Kim - TP.Ha NOi - Viet Nam

11 SHB

Ngfin hang TMCP Shi Gan — HA NO

2 Dic diem hoot &Ong cua to chat tin dung

Ngan hang Thucmg mai Co phan Sai Gen - Ha Nen (duai day ggi tat la "Ngan hang") la met ngan hang thucmg mai c6 phan Viet Nam thanh lap tai nuerc COng hea Xa hei Chu nghia Viet Nam ved thin gian host d'Ong la 40 nam theo 0041-NH/GP ngay 13 thong 11 nam 1993 dm Ngan hang Nha nuerc Viet Nam Von dieu le caa Ngan hang tai ngay 31/12/2012 la 8,865,795,470,000 ding (Tam nghin tam tram sau multi lam t5r bay tram chin lam trieu bon tram bay mucri nghin ding) Ngay 28/08/2012 Ngan hang TMCP Nha Ha NOi (Ten viet tat: HBB) chinh thirc sap nhap vao Ngan hang TMCP Sai Gen — Ha Nei (en viet tat: SHB) theo QD 1559/QD — NHNN, vi vay s6 lieu thuyet minh cho kSr nay la s6 lieu hop nhat SHB, HBB ca ( so lieu chua kiem toan), s6 lieu thuyet minh cho 1c3r truarc la so lieu Gila rieng SHB ca

HOi so chinh cua Ngan hang clat 41i S6 77 - Tran Hung Dao - Q.Hoan Kiem - Ha NOi - Viet Nam Tai ngay 31/12/2012, Ngan hang co 4.462 nhan vien (Dalt nam 2012: 2574 nhan viten)

3 T6m tit cac chinh sach ke toan chic you

Chuan mut va the dq ke toan au dung

Ngan hang trinh bay cac bao cao tai chinh bang ding Viet Nam (VND) theo Lust cac TO chirc Tin dung, Luot sira den va bei sung met so dieu trong Luat cac T6 chirc Tin dung, cac chuan nurc Ice toan Viet Nam va He thong Ke toan cac to chirc tin dung Viet Nam

KY bao cao va dun vi tien to

KS, bao cao cua Ngan hang bat &Au tir ngay 01/10/2012 va kat thim vao ngay 31/12/2012 Dan

vi tien te sir dung trong ghi chop ke toan la ding Viet Nam (VND)

4 Nguyen tic ghi nhin cac nghtep vy bing ngoai to va quy did

Theo he thong ice toan caa Ngan hang, tat ea cac nghiep vu phat sinh cua Ngan hang dugc hach toan theo nguyen te Tai thin diem cuen nam, tai san va cong ng co ngulin gee ngoai to dugc quy den sang VND theo t5r gia quy dinh vao ngay lap bang can din ke than Cac khoan thu nhap va chi phi bang ngoai te cua Ngan hang dugc hach toan bang VND theo tSr gia vao ngay phat sinh thong qua giao dich mua ban ngoai te Chenh lech t5r gia do danh gia lai cac tai khoan kinh doanh ngoai te dugc hach toan vao bao cao Ket qua Hoat ding Kinh doanh va led nhuan de lai Chenh lech t5r gia phat sinh do quy ded cac tai san va cong ng khac bang ngoai te sang VND dugc xit 15r vao doanh so cua cac khoan mpc tuang img tren bang can clOi ke toan vao ngay lap bao cao tai chink

5 Chiing khoan dem tir gin' den ngay dao bun

Chung khoan ng gia den ngay dao hart la cac chimg khoan co 1c5r han co Binh va cac khoan thanh toan c6 dinh hoac co the xac Binh dirge va Ban TOng Guam d'Oc co 5r Binh va co kha nang gia den ngay dao han Ngan hang clang ghi nhan cac chimg khoan nay theo gia goc cong lai du thu trir Lai cho phan be Gia tri phu trOi hoac chiet khau (neu co) cang dugc phan anh vao gia tri ghi s6 cua khoan dau tu Lai dugc du thu hoac phan bo theo phuong phap throng thong Chung khoan dugc gia den khi dao han se dugc xem xet ve kha nang giam gia Ching khoan dugc lap du phOng giam

2

SHB

Ngan hang TMCP SAi Gen — HA NOi

gia Idil gia tri tin truing nho hon gia tri ghi s6 Du phong giam gia dugc ghi nhan vao bao cao kat qua hoat clang kinh doanh

6 Chleng khoan diu tut sin sang de ban

Chfrng khoan dau to san sang de ban la cac chfmg khoan dugc gift trong thai gian khong An dinh truerc, co the dugc ban de dap Ong nhu cau thanh khoan hoac de fmg pho vii truOng hop thay dai lai suit, ti gia, hoac gia tri chfing khoan Ngan hang dang ghi !than cac chfmg khoan nay theo gia g6c tong lai do thu trir lai cho phan b6 Gia tri phu trai hoac chiat khau (neu co) cling dugc phan anh vao gia tri ghi s6 cira khoan dau tu Lai dugc do thu hoac phan b6 theo phuong phap cluang thing Cac chUng khoan nay dugc dthih gia dinh ky theo gia tri thi truing va do phOng giam gia tri se dugc lap khi gia tri thi truing nho hon gia tri ghi s6 Du phong giam gia dirge ghi nhan vao bao cao kat qua boat clang kinh doanh

7 Chting khoan kinh doanh

Chfmg khothi kinh doanh IA Chung khoan ban dau dirge mua va Main gift cho nauc dich kinh doanh trong ngan han hoac neu Ban Tang Giam d6c guy& dinh nhu vay Ngan hang dang ghi nhan cac chfmg khoan nay theo gia got vao ngay giao dich Trong cac ky tier) theo, cac chOng khoan flap tut dirge ghi nhan theo gia g6c Tuy nhien, gia tri thi twang cfia cac chi:mg khoan van dirge Ngan hang theo dei a danh gia va kha Mang giam gia khi gia tri thi truing thap hun gia g6c Ngoai hit truing hop khong the xac dinh gia tri thi truang mat cach chic than thi gia tri cira Chung dirge tinh dui tren nguyen gia sau khi tit di ton that u6c tinh (neu co) Lai hoac 16 tit kinh doanh clung khoan dugc ghi nhan teen bao cao ket qua boat 'Tang kinh doanh theo so thuan

8 Cac khoan cho vay

Cac khoan cho vay ngan han c6 ky han duth 1 nam; cac khoan cho vay va cho thud tai chinh trung han c6 ky han tit 1 nam den 5 nam va cac khoan cho vay va cho thud tai chinh clai han co ky han tran 5 nam ka tiz ngdy giai ngan

Vic phan loai ng va lap do phong rth ro tin dung dirge thoc hien theo Quyat dinh so 493/2005/QD-NHNN ngay 22 thing 4 nam 2005 va Quyet dinh so 18/2007/QD-NHNN ngay 25 thang 4 nam 2007 dm Th'6ng doc Ngan hang Nha nu6c Viet Nam Cac khoan cho vay dugc plan thanh nam Whom ng can cif vao tinh hinh tri ng va cac y6uth dinh tinh nhu sau:

Nhom 1: Na tieu chudn

• Cac khoan ng trong han ma Ngan hang dash gia IA co dir kha Mang thu heoi day du ca gtc va lai dung thai han;

• Cac khoan ng qua han cluth 10 ngay va Ngan hang dart gia la co kha nang thu h6i day dfi g6c va lai bi qua han va thu h6i day dfx gtc va lai dung th6i han con lai;

3

SHB

Ngfin hang TMCP Shi Gan — Ha Ni;

Nhom 2: Na can chit ji

• Cac khoan ng qua han to 10 ngay den 90 ngay;

• Ck khoan no dieu chinh ky han tra ng lan tau;

• Cac khoan ng ca cau lai then han tra ng trong han theo then: han dugc co cAu lai

NhOm 3: Na du& tieu chuein

• Cac khoan ng qua han Ur 91 den 180 ngay;

• Cac khoan ng co cAu lai thii han tra my Mn dau, trir cac khoan ng dieu chinh ky han tra

no lan dau phan loai vao nhom 2;

• Cac khoan na dugc mien hoar giam lai do khach hang khong du kha na'ng tra lai day di] theo hop Sing tin dung;

Nhom 4: Na nghi ng&

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

• Cac khoan my co cau lai thai han tra ng Mn dau qua han clued 90 ngay theo thin han tra no dugc co cAu lai inn dau;

• Cac khoan ng co eau lai thin han tra ng Ian thir hai;

Nhom 5: Na c6 kha nang mitt van

• Cac khoan ng qua han tren 360 ngay;

• Cac khoan no co cAu lai thai han tra no Ian Au qua han tit 90 ngay to len theo thin han tra no dirge ca eau lai fan dau;

• Cac khoan ng co eau lai thoi han tra na lan thir hai qua han theo thed han tra no dugs co cAu lai lan thin hai;

• Cac khoan ng co cau lai theri han tra no lan thir ba tra len, ke ca chua bi qua han hoac da qua han;

• Cac khoan ng khoanh, ng the xi ly;

Theo Quyet dinh se 493/2005/QD-NYINN ngay 22 thong 4 nom 2005 va Quyet dinh s6 18/2007/QD-NHNN ngay 25 thong 4 nom 2007, dei yeti cac khoan ng qua han, t6 eh& tin dung phan loai lai vao nhom no CO run ro thap hon khi Ngan hang danh gia la co dU kha Mang thu hei day

du ca gee va lai; va khach hang CO tan lieu, he so cluing minh cac nguyen nhan lam khoan no nay

qua han dirge xir ly, khac phuc Ngan hang chili do, ng to quyet dinh phan loci cac khoan ng vao cac

nhom ng thi ro cao hon Wang img yeti mire de run ro khi xay ra met trong cac truing hop sau day:

• Khi co nhiing dien bin bat igi tir tae dung tieu cue den mei truing kinh doanh va linh vire kinh doanh;

• Cac chi tieu tai chinh cua khach hang hoac kha Mang tra ng cUa khach hang bi say giam;

4

Ngin hang TMCP Sai Gen — HA NO

• Khach hang khong cung cap cho Ngan hang cac thong tin tai chiral kip thai, clay du

va chinh xac a Ngan hang danh gia kha nang tra no cua khach hang

Der phang rui ro tin dung: Viee tinh du phOng cu the dirge can cu tren cac ty le Ap dung cho

timg nhOm no nhu sau:

1 Ng di" tieu chuk 0%

- Nha cira, vat kin true 10 - 25 nam

- May mec, thiet bi 03 - 05 nam

- Phuong tien van tai 06- 10 nam

- Dung cut quan ly va phan mem tin hoc 03 - 08 nam

Quyen sir dung dAt dirge khau hao theo phuong phap duong thing phi' hop voi GiAy chimg nhan quyen sir dung dAt Quyen sir dung dAt vo thai han dirge ghi nhan theo gia goe va khong tinh khau hao

10 Tien va cac khoan twang throng tien

Tien va cac khoan tuong duong tien bao g6m tien mat, yang, dd quy, tien giri thanh than tai NHNN, tin phieu Chinh phit va cac giAy to co gia ngan han du dieu kin chiet khAu voi NHNN, cac khoan tien giri thanh toan va tien giri, cho vay tai cac t6 chirc tin dung khde co thai han dao han khong qua 3 thing ke tir ngay

11 Cfic tong cu tai chinh phai sinh

Cac &Ong cu tai chinh phai sinh doge ghi nhan tren bang can d6i ke toan theo gia tri hgp &mg vao ngay giao dish, va sau do dirge danh gia lai theo gia tri hop 1ST Lei nhuan hoc to khi cac ceng

5

SHB

Ngfin ping TMCP Sii Gen — Ilh

cu tai chinh phai sinh dugc thuc hien dugc ghi nhan trong bao cao ket qua hoat do, ng kinh doanh Lai nhuan hok 16 chua thirc hien dugc ghi nhan vao khoan mim chenh Lech danh gia lai cac cong

cu tai chinh phai sinh teen bang can dui Ice Man va dirge ket chuyen vao ket qua hog Ong kinh doanh vao thoi diem cutii nam

12 Ghi nhY'n thu nh4p/ chi phi lai

Ngan hang ghi nhan thu nhap tir lai va chi phi lai tren bao cao ket qua hoat dung kinh doanh tren co ser dir thu, du chi

13 Ghi nhY'n thu nhap tir phi wit hoa hOng Bich vy

Ngan hang thu phi tir cac dich vu cung cap cho khach hang Thu nhap tit phi co the chia thanh cac nhom sau:

• Phi thu tie viec cung cap dich vy trong mot thiri gian nit& clink Phi thu tit viec

cung cap dich vu trong met thed gian nhat dinh dirge du thu trong su6t thOi gian do Phi nay bao Om phi quan 11, phi nhan ity thac, hoa hung va cac phi lien quan den cap tin dung, quail lY tai san, phi quan lY danh muc va cac chi phi plan IY cling nhu phi to van khac

• Phi thu tie viec cung cap dich vy giao dich: Phi phat sinh tiz viec dam phan va tham

gia dam phan cac giao dich cho mOt ben thin ba, vi du nhu dan xep viec mua c8 phan hoac cac loci chimg khoan khk hoac mua 1ai doanh nghiep , dirge ghi nhan khi hoan tat giao dich lien quan Phi hoac melt ph'an cna khoan phi nay co lien quan den viec thim hien mOt cong viec nhat MI-1h se dirge ghi nhan khi hoan tat dieu kien tuong

6

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Ngan hang TMCP Sai GOn — Ha NOi

15 Tien mat, yang bac, di quY

31/12/2012 31/12/2011 VND VND

484,875,646,566 425,103,583,283

16 Tien gin tai Ngin hang Nha nut

31/12/2012 31/12/2011 VND VND

Tian gui thank town tai NOT' I hang Nha nueic 2,789,224,639,025 35,111,525,637

Tian gui phong toa (nau co)

Tian gui Ichac

17 Tien, yang girl tai va cho vay the to chat tin dung khic

31/12/2012 VND

31/12/2011 VND

SHB

Ngfin hIng TMCP Ski Gen — Ha NOi

18 Cic cling cy tat chinh phii sinh vi cac tat sin tali chinh khic

Tong gici Fri clic: hop thing (theo tY gia ngay hie'rr lye hop &hag)

Tang gia tri ghi so ke loan (theo gia tai ngay lap biro coo)

Tai ngay 31 thang 12 nam 2012

Giao dich Icy han dal) to 913,539,370,000 3,263,769,995

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

Tai ngay 31 thang 12 nam 2011

Giao dich Icy han tan to 343,538,671,112 4,649,608,299

Giao dich hoan d6i Icy han 54,944,689,800

19 Cho vay khach hang

31/12/2012 VND

31/12/2011 VND (613,773,600)

Cho vay cac t6 chirc kinh ta, ca nhan trong

nueot

Cho vay chiet Ichau thuong phieu va cac giay

to co gia

Cho thud tai chinh

Cac khoan tra thay khach hang

Cho vay bang von tai trg, tly that dau to

Cho vay 061 voi cac to chic, ca nha'n nuoic:

ngoai

Cho vay khac

Na cho vay dugc khoanh va ng cha

54,890,364,332,868 28,920,227,441,804 985,650,393,340 22,168,473,454

582,245,331 2,270,922,114 74,572,331,345 10,718,810,674 897,889,799,384

22,011,922,616 203,274,991,859

56,871,071,024,884 29,158,660,639,905

10

11 SHB

Ngfin hang TMCP Sai Gen — HA Nei

19.1 Phan tich chat heqng nq cho vay

31/12/2012 VND

31/12/2011 VND

Cho vay ctic TCKT 40,748,054 71.65 19,951,578 68.42

Doanh nghiep NhA flute trung ucmg 2,127,108 334 791,375 2.71 Doanh nghiep NhA nuac dia phucmg 560,436 0.99 224,399 0.77 Cling ty TNI-111Nha nuoc 2,944,494 5.18 1,063,033 3.65 COng ty TNI-111-1tu nhan 11,517,994 20.25 6,280,638 21.54 COng ty c6 phdn NhA nude 3,197,708 5.62 2,138,144 7.33 C6ng ty co phAn khdc 19,063,711 33.52 8,575,624 29.41 Ging ty hqp danh 1,706 0.00 1,319 0.00 Doanh nghiep to nhan 763,502 1.34 531,6851 1.82 Doanh nghiep co von am to ntrac ngodi 500,953 0.88 328,493 1.13 Kinh to tap the 70,443 0.12 16,867 0.06

Cho vay cd nhan 15,937,074 28.02 9,075,962 31.13

11

SHB

Ngin hang TMCP Sai Gan - Ha NOi

19.4 Phan tich du nq cho vay theo nginh kinh to

C6ng nghiep the bidn, chd tao

San xuAt va phan phOi didn, khi dot, nuOc

ming, hai nuOc va dieu hem khong khi

Cung cap nuOc; hoat dOng quan ly va xir ly

thc thai, nuOc thai

Xay dung

Ban bufin va ban le; sin china o to, mo to,

xe may va xe c6 do, ng ca khac

Van tai kho bai

Dich vii km tria va an u6ng

Thong tin va truyen thong

Float tit:mg tai chinh, ngan hang va bao

him

Hoat deing kinh doanh bdt do, ng san

Hoat ging chuyen m6n, khoa hoc va cong

nghd

Float do, ng hanh chinh va dich vu ho try

Hoat dOng cila Bang COng san, to claire

chinh tri - xa hoi, quan ly nha nuerc, an

Giao duc va dao tao

Y to va hoat dOng tro gifip xa hei

Nghe thuat, vui choi va giai tri

Hoat dOng dich vu khac

Float dong lam thud cac cong viec trong

cac he, gia dinh, san xuat san pham Vat

chat va dich vti to tieu dung cua ho gia

dinh

Hoat dong cda cac t6 chfrc va ca quan

quoc to

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

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

3,478,762 2,676,492 5,068,777 486,452 6,195 3,301,472 5,742,949 1,553,418 782,871 28,032 463,209 1,392,049 24,458 32,697 5,303 13,480 45,346 12,709 3,822,944

185,738

35,308

11.93 9.18 17.38 1.67 0.02 11.32 19.70 5.33 2.68 0.10 1.59 4.77 0.08 0.11 0.02 0.05 0.16 0.04 13.11

0.64

0.12

12

SkIB

Ngan bang TMCP Sal Gan - Ha NOi

20 Dv phbng riii ro tin (long

Du phong riu ro trich lap trong kST/ (Hoan nhap dv

phong trong Icy)

144,071,656,889 752,457,604,945

Du phong giam do xir 15T cac khoan ng kW) thu h6i

bang nguim du phong

Di6u chinh tang/ (gam) lchac

Du phong giam do )(Cr 15/ the khoan ng kho thu h6i

bang ngdon dv phong

739,000,000

SO dir cuoi Id/ 200,004,430,998 154,962,118,692

21 Ch'ing khoan dau to

21.1 Ch'ing khoin dau to sin sang a ban

31/12/2012 VND

31/12/2011 VND

Chung khan N9

Chimg khoan Chinh phi)

Chimg khoan Ng do cac TCTD khac trong'

nuerc phat hanh

Ching khoan Ng do cac TCKT trong nu& r

phit hanh

Chang khan Von

Chung khoan V6n do cac TCTD lchic tong

nuot phat hanh

Chung khoan Von do cac TCKT tong nu&

SHB

Ngan hang TMCP Sii Gan — Ha Nia

21.2 Cluing khoin dau tn gilt den ngay din linn

31/12/2012 VND

31/12/2011 VND

7

Chimg khoan Ng do cac TCTD Ichac trong nu&

phat hanh

Chung khoan Ng do ck TCKT trong nu& PH 1,075,187,684,837

Du phong giam gia chimg khoan dau tu gift den

ngay dao ban

Cac khoan dau tu vao cong ty lien ket

587,060,270,450 353,313,240,893

14

SHB

Ngan hang TMCP Sai Gen — Ha Nei

23 TM san co dinh him hinh

- Tang, giim tai sin co dinh him hinh ky nay

Nha caa,

Khofie myc vat kin trtic May mac, thiet

Phtrang tien yen tai, truyen dAn Dung cu quin It

Don vi tinh: VND

TM san co dinh Ceng

khic Nguyen gift

- Chuyin sang BDS ciciu to

- Thanh ly, nhuang ban

Gicim khcic

-

49,170,531,021 140,060,863,472

140, 060,863,472

113,833,061

113,833,061

54,627,721,416 138,152,101,894

138,152,101,894

935,807,964

935,807,964

80,374,843,542 70,066,453,773

70,066,453,773

4,117,352,254

4,117,352,254

60,549,882,350 71,714,018,881

71,714,018,881

9,042,132,044

9,042,132,044

6,458,905,414 16,576,652,471

16,576,652,471

12,545,455

12,545,455

251,181,883,743 436,570,090,491

436,570,090,491

14,221,670,778

14,221,670,778

SO Mr cued ky 189,117,561,432 191,844,015,346 146,323,945,061 123,221,769,187 23,023,012,430 673,530,303,456 Gia tri hao men luy ke

SO dir den ley

SO tang trong Icy

- Khciu hao trong kV

- Tang khcic

Se gram trong ky

- Chuydn sang BDS dam to

- Thanh 1V, nlurang ban

- Guam khac

10,483,561,956 79,426,327,373

79,426, 327, 373

1,132,779,321

1,132,779,321

18,894,881,892 35,951,816,755

35,951,816,755

847,372,930

847,372,930

23,605,174,045 33,995,508,451

33,995, 508, 451

2,572,630,884

2,572,630,884

28,326,026,142 47,550,312,080

47,550,312,080

309,385,117

309,385,117

2,942,602,285 10,606,521,904

10,606, 521,904

230,734,478

230,734,478

84,252,246,320 207,530,486,563

207,530,486,563

5,092,902,730

5,092,902,730

SO du cued ky 88,777,110,008 53,999,325,717 55,028,051,612 75,566,953,105 13,318,389,711 286,689,830,153 Gia tri can lei au INCH

Tai ngly ky 38,686,969,065 35,732,839,524 56,769,669,497 32,223,856,208 3,516,303,129 166,929,637,423 Tai ngay cu.& ky 100,340,451,424 137,844,689,629 91,295,893,449 47,654,816,082 9,704,622,719 386,840,473,303

15