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Cho Qttli I ndm 2012
Trang 7SH *I
NgAn hhng I'MCI' Sii Gdn - | l)r NQi
THUYET MINH I}AO CAO TAI CHIXU NIEXT; T,E
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doanh trong ngirr han hoic n6u I an 1'6ng Gi6rn ddc qLr1,6t dinh nhrL vdy NgAn hdng dang ghi nh6nc6c chfrng khodn ndy theo gi6 goc viro ngdy giao dich 'l'rong c6c kjr tiip thco cac chfing khorin ti6p
tuc clrLoc ghi nhAn theo gid goc.'l'ur rrhiOn, gi6 tri thi tlu'o'ng cua ctic chfLng kho6n vAn duo-c Ngdnhang theo c16i dC ct6nh giA ve fna nang gidm gi6 khi gia tri tlii trLx)ng thAp hon giir g6c Ngoai trirrruLdrrg hop khong thc:ac clinlr gia tri thi tntong rnot cae h clric chin thi gi6 tri cua chung dttoc (irrh
dua trdn nguydn gi6 saLr khi trir cli ton th6t Lr6'c tinli (rreu c6) l,di lrodc 16 tir kirrli doanh chiLngklrodn dutrc ghi nlrdn trcn bdo cdo kit qua hoal clong I'irrlr doanh tltco s0 thuAn.
8 Cic kho:in cho vav
C6c l<hoan cho vay ngdn han c6 kj'han dLtcii I nirr: cdc lihoAn cho vay vd cho thud tdi chinhtrung han c6 k! han tir I narn dOn 5 narn vh c6c khohn cho va1 r,'ir cho thue tai chfrrli cidi han ci, kyhan lr6n 5 niim kd til ngdy giai ngdn
Vi0c phdn loai no- vii lAp dLl phdng rui ro tfn dung duo-c tirrLc hien thco Quytlt dinh so
4g3l2005lQI)-NI{NN ngdy 22 th6ng 4 narn 2005 vd Qr,ry6t dinh s6 lSl2007IQD-NHNN ngdy 25
tlr6ng 4 nlam 2007 cua 'l'hong cloc NgAn hdng Nhd niL6c Vi61 Nam Ciic khoAn cl-ro vay duo-c phAnthdnh ndnr nhom no- cdn cil vdo tinh hinh tra no vd cdc 1eu rd clinh tinh nhu sau:
Nhdm l l{o ctu tiatt t'htrutn
r ( iic khodn no trong han m2r NgArr hdng cLinh gid ld ctl clu kha ndng thu hdi dal clu ,:a
g6c vd ldi ctring tho'i han;
Cdc khoan no'qu6 han diLti'i 10 ngAy va NgAn hdng cl6nh gi6 ld c6 kha rrdng tltu ,r,'idAy du g6c vd l6i bi quri han vd thu hdi dAy dLr eOc va ldi drhng thoi han cdrr lai:
l,,lhdnt 2 lVo'cdn chti 1i
o (l6c khodn no- qu6 han 1iL l0 ngdy din 90 ngav:
,, o Oitc khodn no didu chinh kj,han tra no lArr clALr;
Trang 10SFI BT
Ngfln hing l'MCl' Sii Girn * Iln N6i
o (lackhoannoc()ceulailht)i hantrAno-tror.rglranthcolhdi handuo-ccocdulai.
Nhim.l Vrr tltrcri tit;rt t'htrun
Ciic khoAn ntr qua han tir 9l d6n 180 ngdy:
r (ldc khoan no co c6u lai tlioi han tra no lAn dALr tri czic khoan no- dieu chinh k! han tra
no- lAn dAu phAn loai viio nhorn 2;
Cdc khoin no- duo-c miSn hoac gi6rn l6i do lihiiclr hirng kh6ng dn kha niurg trir lai dA1,du
tlrco ho-p dorrg rirr dung:
Nlrdm 4: lfo nghi ngd'
Cdc khodn ntr qu6 han tt 181 dcn 360 rrgi-r':
o (liic khoan no co cAu lai thdi han tra nrr lAn cldu c1'rii han drL6'i 90 rrgdy'thco thd'i han
1ra no- duo-c co cALr lai ldn dAu;
'-to-
co'cau lai thd'i han 1ra no- ldn thiL hai:
Nhdm 5; l/,o cti khti ncing nuit ttdn
r (l6c khoan r-ro- qu6 han trOn 360 ngdy:
('dc kliodrn no co c6u lai tho'i han tra no lnn dALr c}r6 han tir 90 ngiiv tro' l6n theo thdi
harr trd no duoc .,t cAu lai ldn cJALr;
o Cl6c khorin no co' cAu lai thd'i han trA no lAn thiL hai qu6 harr thco thd'i han tra r-ro
drLoc co c6u lai lAn thil hai;
Ciic khodn no- co cAu lai thd'i han tra no' lArr thir ba trtr len, ke ea chua bi quii han
hodc dd qud han:
C6c klioiin no' khoanh no- chd'xu' l1';
'l'hco Qrly6t dinh tu +SZ|ZOO5IQD-NIINN ngAy 22 rl'riu'rg 4'ndrn 2005 vd Quy'6t dinh s6
|1I2}}7IQD-NIINN ngdy 25 th6ng 4 nlam2007, c16i v6i cac khoan no qu6 han t6 chri'c tfn clungphdn loai lai vdo nh6m no c6 rui ro th6p ho'n khi NgAn hdng d6nh gi6 ld c6 dfi kha ning thu h6i dil
dt cA g6c vd l6i: vd khdch hdng c6 thi li6u, hd so chilng rninh cdc nguydn nhdn ldrn khodn no ndyqud han duoc xu ly, khic phuc Ngdn hdng chu cl6ng 1u'qu1'0t dinh phin loai ciic khoAn nc viur cAcnh6m no rui ro cao hon luong irng v6i rn['c d6 rui ro khi xail'ra tn6l trong c6c trudrrg ho-p sar,rciZil':
Khi c6 nhilrrg di6n bi6n bAt lo i 1iL liic clong tieu cuc d6n m6i trud'ng kirrh doanh vd
linh vuc kinh doarrh;
Cac chi tieu tdi cliinh cua kh6ch hdng hoirc kha ndng tra no cita kh6ch hdng bi su1' giani:
o Kh6ch l"rdng kh6ng cung c6p cho Ngdrr hiurg ciic thdng tin tdi chfnh kip thoi iIAl' clu
ra cltirrlt xdc di Ngin hAng danh gia kha rrartg It'r ttt.rcua lihach hang.
Dr,r phdng rrii ro lin clgng: Vi6c linh dtL phdng cu thC drrcrc cdn c[L trdrr cac ty 16 6p dung cho
tirng nh6nr no nhlL sau:
Trang 11No- drL6'i ti6u chuAn No- nghi ngo
No- co Klra nang rnat von
- Nlid cua, vAt ki6n tnic
- May rn6c, thi5t bi
- PhrLo'ng ti0n vAn tAi
- l)r-rng cu quan ly vd phAn In0tr-r tin hoc
Tn 19 dg pht)ng cg th6
004
5%
200 50o/o
'l-di san cO clinh dr"roc th€ hi6n theo nguydn gi6 tri cli khALr hao liry k6 Ngr-ry0n gi6 bao g6m
todn b6 cdc chi phf rnd NgAn hdng phAi bo ra cli c6 duoc tdLi shn c6 dinh tfnh d6n thd'i di6m dua tdi
san d6 vdo trang thiii sin sdng siL dung 'l'iri san co clirrh dtLoc tinh kh6tr hao thco phuo'ng phrip
duong thirng de trir ddn ngu1,6n gi6 tdi san trong sudt tht\i gian hin-r dung rL6'c tinh nhu sau:
Quyi:n su'clung d6t clrLo'c khAu hao theo phLtong phrip duilrg thdng phir ho-p voi Gi6y chu'rrgnhdn quydn sir dr rng O6t quyen sir dung e6t vO thd'i harr dr-Loc ghi nhAn theo giri g6c vd khdng tfnh
kh6u hao.
10 Iiiin vi cfc khoin tucrng ttuo'ng ti6n
'I'i0n vei c6c khoan trLo'ng cluong tidn bao g6rn tien rna1 vdrrg ct6 quli, tidn giLi thanh toirn taiNHNN tin phi6u Chinh phLi vd cric gi6y to'c6 gi6 ngin han du di6u ki€n chi€t kh6Lr voiNIlNN, c6c
kho6n ti0n gLLi thanh toan vd tidn g[ri, cho vay tai cdc t0 chftc tfn dung kh6c c6 thd'i han <16o han
khdng qu6 3 th6ng k6 til'ngdy giri
11 Cfc cdng cu tii chinh phdi sinh
Ciic cdng cu tdi chfnh ph6i sinh chLo'c ghi rrhAn lren bang cArr doi ke todn theo gi6 tri ho.p ddng
vdo ngiry giao dich vd sau cJ6 ducrc d6nh giti laitheo gi6l.ri ho-p li I-oi nhudn hoac 16 khi c6c c6ng
cu tdi chfnh phdi sinh drLo-c thr.rc hiQn drLo c ghi nhAn lrong beio c6o kdt qud hoat ddng kinh doanh.t,o-i nhudn holc 16 chua thuc hien du'o-c ghi nhdn vdo khoan muc chOnli l6ch diinh gi6 lai ciic cOng
cu tdLi chinli phiii sinh trin bAng cdn d6i k6 to6n vd clutrc k5t chLry0rr vdo k6t clua hoat d6ng kinh
doanh viro tho'i di6m cLroi Irim
Trang 12SFI Ei
Ngin hhng I'MCP Shi Gdn - Iln NQi
12 Ghi nhAn thu nhip/ chi phi lfli
NgAn hdlg ghi nhAn thu nhAp 1il ldi vd chi phi ldi lren b6o cao kit qua hoat ddng kinh doanh
tr0n co sti drL thu, dr"L cl,i
13 Ghi nh$n thu nhip tir phi vir hoa hiing dich vU
NgAn hdng thu phf tiL c6c dich vu cung cAp cho lthach hdng 'l'hu rrhdp til phf c6 th6 chia thdnhc6c nhom sau:
o lrhf tttu tit viQc cung ciip ttlch vu trong mQt thdi gian nhiit tllnh: I'hi thu tu vi6c
"1-,ng .ap dich vu lrong m6t thd'i gian nh6t dinh cfuxrc du thtr trong suot thoi gian d6 Phi ndy
bao gorl p5i qlau ly phi uhan uy thdc hoa lrorrg rA cic phi liin qrrarr dcn c6rp lin dung
qLran l! tdri sdn, phi qu6n ly danh muc vd c6c chi phf cludrr ll,citng nhr"r phittl vAn khdc
o phl thu tit'r,i€c cung cip ttlch v4 giao dlch: Phi phiit sirrh til vi0c cldm ph6n vd tharn
gia ddm ph6n c6c giao dich cho m6t bdn thiL ba r,f clu rrltu dAn rep viic trtua co phAn hoac
c6c loai chri'ng kho6n kh6c hoac mua lai doarrh nghiOp , clr.xrc ghi nh4n khi hodn tAt giaodich li6n quan phi ho6c m6t phAn cia khoan phi ndy cti licrr quan d€n vi6c thuc hiQn mdt
c6'g viQc nh6t clinh se duoc ghi nhdn khi lrodn tAt dic\u ki6n tirong itng
Trang 13\ain
rn aa
$
ra (\t
$
(\l tf,
t .$
F-t
rnw
\O tt- C.l rO A\Oca*
cl \o
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.ao6t'|r)co c'r tr)O.AoOO'
Gr Gl )3
's
>\
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Trang 14llcll rnat oarlg ngoal
lL-16 Ti6n gii'i tai Ngffn hing Nhi nuric
Ti0n grJLi thanh todn tai Ngdn hdng Nhd nu6'c
Ti0n gni phong toa (ncu co)
Ti6n gu'i khdc
17 Ti6n, ving giii t4i c6c td chfrc tin dgng khic
TiAn, vtirtg gui khing ky han
| ,582,952.299.403
3,158,24 5,174,689
j,071
,464.376.998 86.780,iu e7.69 t
15,449,892,814,8-l{)
| 4,079,410 ,41 4,83 0 1,3 70,482.400.000
Trang 15NgAn hdng l'MCl' Shi Gdn - lln Ndi
18 Chri'ng khoin kinh doanh
Chritrg khodn Ngr
- Chung khoan Chinh phu
- Chilng khodn No- do cdc TC'|D kh6c trong
- t nLlng Klloall voll ott c?c
Chrt'ng khoin kinlt dounh khtic
D1t'phitng giiim gii chti'ng khodn kinh dounh
I)u.ritminh ti ltnh """
Chirng lilrorirt )rr
- I)ir ni0rn 1'et
- Chua niCm l elt
Cltri'ttg khodn l'An
- I)a niCnr y0t
Trang 16Ngin hirng I'MCP Shi Girn - Ili NQi
19 C:ic cdng cg tii chinh phfi sinh vh cfc tii srin thi chfnh kh:ic
T.6ng giti lt'i t'ttu hop
ding (theo t1t giri ngov hi€tr luc hop ding)
7'6ng giti tr'! ghi s6 k€ todn (theo ty gid tai ngd1.'lQp brio crio)
'l'4i ngiy Jl thrlng 3 nirm 2012
COng c't1 'I-C phtii sitrh tiitt t€
(iiao clich kj han tiin te
Giao cliclr hohn d6i kj han
'l'ai ngiry 31 thing l2 n:im 201 1
C1rtg cqt TC phtii sinh tiin tQ
(iiao clicl.r kj han ti€n tC
Ciiao dich hodn d6i kj han
903,130,997,68-l tt45.090.i07.15.1 58.040.690.530
398,,183,360,9l 2 343.538.4r71.1 l2
20 Cho vav khich hhns
Cho vay cdc td chfc kirth t6, cd nhan trong nuoc
,.,( ,, : r
':-Cho va1 ehiet khdu tliLLo'ng phi0u vd c6c gidy
to-co gia
Cho thu6 tdi chinh
C6c khoan trA thay kh6ch hdng
,: ;
('ho va1' hang von tiri tro- uy thdc dAu tu
Cho vay O6i vO'i c6c t0 chrlc, c6 nli6n nud'c ngodi
Cho vay khirc
No'cho vay duo-c khoanh vd no- chd xt' llf
i r 286.088"323.591 36.280,372,332
' 283.8 4l
,67 5
8.85 8,872.549 24.993.600,000
Trang 17NgAn hing I'MCP Shi Gdn - IIn NQi
20.1 I'hin tich chAt lutrng nq cho vay
3 lr03i20l2VND
31l12t20t 1
VNI)No- du ti0u chudn
: r,.
1\O Calt cnu y
Ncr dudi ti0Lr chuAn
21,413,610.255,517
1 093 ,637 ,444.90'7
218.922.396.906
154,147.495,684 278,343,046,891
l)oanlr nghiOp Nhd nrLtic trung uong
I)oanh nghiep Nhd nr.rtic dia phtrong
Cirrrg l) I Nllll Nlra ntL,ic
COng t1 'I'NIlll tr-r nhAn
C6ng r1 co phin Nhir nLLtic
C6ng t1 cti phin khdc
COng t1 htrp danh
Doanh nghiOp tu nhdn
I)oanlr nghiep c(r r'6n cliu ttL nrrtic ngodi
Kinh tC tAp the
Cho va1' khtic
hinh doanh nghiOp
3t 10312012VND
3111212011
VNI)
20 665 ,9 49 ,1 47 2066,492.315.129.840
4.399 463 ,936 207
I 8,5I 1,039.:i5tt,086
6,394,821,02.i.i564.252.800,2 5 ti.463
khdch hing vi lo4i
31103120r2
triOu VNt)
3vl2l20rrtriQu VND
at/
2-l,042,2 I 9
1"121.575 ,191"359 1.509.08't (r.639.716
l.'12,1.,12 fi
().111.501 1.69 I
8'l-1.(r.l I
8 ()6.3,1 7
2 (r.8.9 (r 8,.1 5 5,298 160,272
7-1.02
3.55 1.56 ,1.7 8
21 01 7.68 l(.).08 0.0 t 2.67
? 56
0.09 2(r.,ltl 0.5I
19,95t,s78 791.375 22't-399 1.063.03i 6.280.6-18
2.138.1.1,1 8.57 5.62t1 1.3 l9
531-685
3 2 8.,19 3 16.867 I,()73,962
I3I ,I2I
68.42 2.71 0.77 1.65
;t l 54 7.3 -l
Trang 18Ngin hing I'MCP Sli Gdrt * Iln NQi
N0ng nghiCp r Li lim nghiQp r ii thul siin
Khai khodng
, i,.i
('ong rr-ulrii'p chi hi0rr chi' tr,r
S/rn xr"r6t r ii phlin pnOi Oign khi d6t nu(rc n(rng hot
nuric r r\ lii'Lr hirir khring L6;
Cung c6p nu(rc: hoat d6ng qLran lf vi xLL 11' r6c thtri,
llo4L tl,rng tii ulrinh nein lrirrg r a birt' hii'rn
I Io4t cl6ng liinh doanh b6t ctOng san
I lo4t d6ng chulen m6n khoa hoc vir c6ng ngliO
IIort d,'ng hinlr chinlr r J diclr r u hd tltv
llo4t ilQn-u cua [)ang CQng s:in, t6 ch[rc chinh tri
-xd h6i" qr-ran lj nhd nu6c an ninh qu6c phong: bao
Giiro duc r ir clio tar-r
Y t6 r z\ hoal dirng tro gitip xa hOi
Ngh0 thu4t r r-ri chtri r':\ giiii tri
l{oat d6ng ciich r r-r khic
Iloat dQng lirr thue c6c cdng viec trong cilc hQ gra
clinh san xu6t tun phirn r 4t chAt vd dich r'q tq ti6u
dirng cua h6 gia dinh
lloat clQng cua ciic t6 chiLc r'i\ ccr quan quOc t6
5.702.9ti2
-5 I (r.tt7 I5.4112
3.,118.762 2.616 192 5.068.71',l
1tJ6.,152
6.1 95
3.i01 t72 5.1 12,9,t9
I1.,180
,15.3.16
12.7U) 3.n22.94 4
| 1.32
l9.70 5.33
0.02 9.212l.0i4.82
i.75
0.10 1.40 4.45 0.07
0 10 0.0I 0.04
n
Trang 19bang ngudn du'phdng
trong k!/ (l-lodn nhAp du
ctic khodn no- kh6 thu h6i
200,004,430,998
18,t34.332,764
r54,962,118,69250,950,686,463
739,000,000
dLr
r I' not
22 Chfing khofn dAu tu
22.1 Chung khofn diu tu sin sdng dd bf n
Chri'trg khotin Ngr
( hung khtran ('hinh phu
Chilng kho6n No- do cac l'Cl'D khdc trong nuoc
ph6t hirnh
Chung khodn No- do cdc TCKT trong nudc phdt
hdnh
Chilng khodn V6n do c6c TCI'D kh6c trong nLLoc
4,83 3,089,990,860 950.000.000.000
2,850,422,727 036 20,71I,620,Aoo
I 1,688,790.000
9,022,830.000
(14,6{t5,653,800) ,1,840,844,461,560
Trang 20SFX $
Ngdn hhng'|'MCI' Sii Gdn - IIn NQi
22.2 Chung khoin diu tu giff'd6n ngiy d:io h4n
- PhAn lich gi6 tri rlffu {u thco lo4i hinh dAu tu':
D6u trL vAo cdng tY con
Ctic khoein dAu tu'viro c6ng ty liOn doanh
('Ac klrtran clAtr tu' vAo cong ty lie n k6t
C6c khoan clAu tu'ddi han kh6c
Dr,r phirng giarn gia diu tu'dai ltan
Danh mgc cic khoin diu tu g6p v6n nhu sau:
T0n cfc don vi
C-dn-e tr ('l' DiLr ttr vii Pl' Cao SLr Ngh0 An
C0ng 1! ('l'quan lj'qLr r,r diiLr ttL Siii (it)n - Ha Noi
( orrs lr t I't K Siri e i,rr - llr \,1r
Cting t1 (.'I']Cao Su Phtrirc I ltia
(iong lv CI) l)hrit 'lri0n An Viqt
'l'ong
C0ng 11' cd phdn bdo hiim SI Iil Vinaconrin
C6ng tr 'l'Nllll Strn I-dm
Ctin-e tl cti phan claLr tu xav dLnrg t-ll.AMA - SIIB
Cting t1 (il']th0 thao SIll) Da Nang
Cting 11 I'NI ll I I thanh vrSn qLriin ll no vd khai tirdc tr)i san Sl lll
Cting tv l'l)'lhLLv san Gcntraco
Cong n Cl) lll)S An'fhinh
C fCI'] t)rlLr ltL Idi chinh Nam Vitt
CTCI'] I'hdl tricn dri tltr khu cOng nehi0p StllS (Sl lil i.and)
C l'CP I)iu trL Kinh cloanh tlit dong srttt Gentraco (Gelllraco 1-and)
(l'l' (ll'] | )iiLr trL I'hat triin I I0ng Vict
82 I U0.000.000
27.ti59.000.000 1.000.000.000
12.000.000.000 8,00 5.200.000.0{)0 10.10
82.180.000.000 8.22
27.859.000.000 0.62
1,000.000.000 2.00
10,000.000.000 10.00 1.r5.000.000.000 10,69 11.000.000.0()0 11.00
550.000.000 il,()0 20.000.000.000 1 00.00 8.000,000.000 9.e0
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Trang 21€
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