ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 2 năm 2013 td bảng cân đối kế toán

Ha npi, ngay hang niim 2013 Tiing Giam dfic Mie iu n m ~ dee n cuoi q45 [1 1iz chi Thuyet On to co va cac khoan von vay dai han khac 4 Co tuc tra cho c6 dOng, loi nhuan da chia * 5 T

SHB

NGAN HANG THU'ONG MAI CO PHAN SAI GON - HA NQI

77 'Fran Hung Dao - Qua'n Hoan Kiem - Ha NOi

4 Tai san CO khac

- Trong do: 1.91 th'd thwang mat 254 255 4,753,026,032,002 4,256,392,881,058

5 Cac khoan du phong rui ro cho cac tai san CO nOi bang khac 259 (72,420,296,456)

(64,728,116,668)

0 TOng Guam DOc

t4 1filp 7 -1- 4t 176i

NGAN HANG Ca'PHAI

e SA1 CoN • HA ql

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Vicong Thanh MO?: Ninh Thj an Phtrong

a ndi, Ngay thong nom 2013

1)0278

Ke Tom Truiffng_i

Chi Bet,

tieu

B NQ PHAI TRA VA VON CHU SO HILTU

I Cic khoan my Chinh phu vi NHNN

II Tien girl va vay cfia cac TCTD khac

I Tien gui cua cac TCTD khac

2 Vay cac TCTD khac

HI Tien girl cua khach hang

IV Cac cong cu tai chinh phli sinh vi tic khoin my tai chinh khac

V Vein tai try', uY thac dAu cho vay ma TCTD phai chin rui ro

VI Ink hanh giAy to co gia

CAC CHI TIEU NGOAI BANG

MA chi Thuyet minh

NG

Si‘l G

12,709,949,560,012 21,777,251,159,172 9,441,996,393,412 15,505,603,159,172 3,267,953,166,600 6,271,648,000,000 76,861,240,471,862 77,598,519,536,959

442,337,254,299 385,245,424,157 2,618,297,458,982 4,370,388,535,054 2,114,807,552,464 2,897,397,104,113 1,112,471,876,938 1,944,532,394,718

645,209,784 962,434,235,631 911,406,547,643 39,901,439,895 40,812,951,968 94,746,632,297,619 107,028,801,759,455 9,775,415,094,539 9,506,049,673,110 8,962,251,608,400 8,962,251,608,400 8,865,795,470,000 8,865,795,470,000

101,715,710,000 101,715,710,000 (5,259,571,600) (5,259,571,600)

517,732,683,742 517,731,619,529

(55,286,199,033) 8,588,743 350,717,001,430 26,057,856,438 2,750,590,756 2,761,890,401 104,524,797,982,914 116,537,613,322,966

6,941,885,063,471 5,287,168,458,408 332,554,000,000 35,554,000,000 1,140,864,441,100 336,437,333,181 5,468,466,622,371 4,915,177,125,227

Bao cao tai chinh hyp nhat Quy H nam 2013

Mau A: Q-02a

fib SH13

NGAN HANG TMCP SAI GON - HA NIX

77 Trail Hung Dao - Quan floan Kidm - Ha NOi

Tel: 04.39423388 Fax: 04.39410942

Quj II Chi tieu

Ma chi tieu Thuydt

minh

TD - BAO CAO 'CET QUA HOAT BONG KINH DOANH - QUA'

IX Lcri nhuan thuan tir hoat Ong kinh doanh trtrac

78,133,203,121

222,616,727,884

Dan vi tinh: VND

Luji ke tir dau nam den cu6i Qujr II

4,846,255,875,380 4,890,196,427,469 3,767,887,234,155 3,892,108,482,004 1,078,368,641,225 998,087,945,465 92,737,266,454 112,328,316,430 24,913,342,044 16,370,733,356 67,823,924,410 95,957,583,074 91,958,580,414 32,434,129,056 (12,972,504,733) 2,609,572,353 (8,463,835,880) 968,466,025 59,470,346,547 115,926,861,015 6,863,329,548 27,302,388,452 52,607,016,999 88,624,472,563 1,221,866,650 1,253,383,950 882,864,732,753 604,139,872,877

387,678,956,332 615,795,679,609 (13,003,821,196) 14,301,582,447 400,682,777,528 601,494,097,162 96,458,770,057 154,256,429,835 96,458,770,057 154,256,429,835 304,224,007,471 447,237,667,327

SHB

Solid partners, flexible solutiorts

NGAN HANG TMCP SAI GON - HA NO!

77 Tran Hung Dao - Quan Hoan Kim - Ha NOi

Tel: 04.39423388 Fax: 04.39410942

No cal) tai chinh hqp nhAt Quj, II nom 2013 Mau so: Q-03a

TD - BAO CAO LIXU CHUYEN TIEN TE - PPTT - QUi."

DVT: VND

4P4/C:1

ch :*:i tieu minh

Lily kS 4W2WM-1na nFm den cuoi quv au , A

N Am 2013 f L Ni m 2012

I LUV CHUYEN TIEN Tff HOAT DQNG KINH DOANH

1 Thu nhap Idi va cac khoan thu nhap tuung tu nhan duqc 01

2 Chi phi !Ai va cac chi phi arcing to da tra 02

3 Thu nhap tir host dOng dich vu nhan cluqc 03

4 Chenh ISch so tien thuc thu/thuc chi tir hoat dOng kinh doanh

6 Tien thu cac khoan nq da cluqc xn Iy xoa, be' dap bang nguOn du

7 Tien chi tra cho nhan vien va hoat dOng quan Iy, ding vu (*) 07

8 Tien thus thu nhap thuc nOp trong ky (*) 08

Luu chuyAn tien thuAn tir hoot Ong kinh doanh trtrot nhan g

09 thay d8i ve tai sari va v81( liru dOng

NIning thay dal ve tea san heat dOng

9 (TAng)/Giam cac khoan tien, yang gni va cho vay cac TCTD khac 10

10 (Tang)/Giam cac khoan ve kinh doanh chimg khoan

11 (TAng)/Giam cac cong cu tai chinh phai sinh va cac tai san to

12 (Tang)/Giam cac khoan cho vay khach hang 13

13 (Tang)/Giam nguOn du phOng de bu dap ton thAt cac khoan (ti

14 (Tang)/Giam khac ve tai san hoat dOng 15

Nhiing thay dal v'J cong nv how d'Ong

15 Tang/(Giam) cac khoan nq Chinh phu va NHNN 16

16 TAng/(Giam) cac khoan tien girl, tien vay cac TCTD 17

17 Tang/(Giam) tien gui cela khach hang (bao gem ca KBNN) 18

18 Tang/(Giam) phat hanh giAy td CO gia (ngoai trir giay td cO gia phat

19 Tang/(Giam) von tai try, us, thac dau tu, cho vay ma TCTD chiu rill

20 Tang/(Giam) cac cong cu tai chinh phai sinh va cac khoan nq tai

21 TAng/(Giam) khac ve cong nq twat dOng 22

Lu.0 chuyAn tier thuAn tit hoot Ong kinh doanh 24

II LUU CHUYEN TIEN TU HOAT DQNG DAU TU

2 Tien thu ter thanh Iy, nhuqng ban TSCD 26

3 Tien chi tit thanh ly, nhuvng ban TSCD (*) 27

5 Tien thu to ban, thanh Iy bAt dOng san dAu to 29

6 Tien chi ra do ban, thanh Iy bat dOng san dau to (*) 30

7 Tien chi dAu tu, gOp vein vao cac dun vi khac 31

8 Tien thu &Au tu, gOp von vao cac dun vi khac 32

9 Tien thu c6' tire va Iqi nhuan cluqc chia ttr cac khoan Tau to, gOp 33

vein dai han

Luu chuyAn tier thuAn tir hoot Ong au tu 34

4,434,546,478,012 (4,599,329,643,016) 67,823,924,410 77,473,000,174 44,574,775,617 249,407,060 (821,273,430,765) (37,559,361,230)

(833,494,849,738)

13,045,792,158,980 1,352,776,502,636 (1,424,464,249) (1,538,949,926,638)

(807,851,280,849)

(9,067,301,599,160) (737,279,065,097) (1,752,091,076,072) 57,091,830,142

183,279,352,676

(99,452,417,369)

(34,533,486,910) 895,969,739 1,668,765,305

8,000,260,483 1,221,866,650

(22,746,624,733)

4,086,009,412,449 (3,494,454,967,360) 95,957,583,074 30,978,584,899 88,057,843,556 325,719,916 (578,601,828,596) (184,544,441,514)

43,727,906,424

(9,657,412,416,766) 495,665,721,711 (913,044,429) (1,533,946,441,940)

(342,420,389,756) (1,384,953,736,805) 7,690,572,666,269 9,947,496,630,643 (6,964,545,087,126) 60,573,320,000

36,961,529,836

(1,609,193,341,939)

(122,201,866,371) 240,909,091

1,133,021,950

(120,827,935,330)

Ha npi, ngay (hang niim 2013

Tiing Giam dfic

Mie iu n m ~ dee n cuoi q45 [1 1iz) chi Thuyet

On to co va cac khoan von vay dai han khac

4 Co tuc tra cho c6 dOng, loi nhuan da chia (*)

5 Tien chi ra mua co phieu ngan qu'y' (*)

6 Tien thu dugs do ban co phieu ngfin quSi"

Lieu chuy'en an than Ur hat Ong tai chinh

IV Lieu chuyen tin than trong kj,

V Ti&) va car khan two'ng throng tien tai thei diim du ky

VI Dieu chinh anh hoeing cfia thay d61 ts% gia

VII Tien va cac khan twung throng tier tai thoi diem euoi kj,

III LITh CHUYEN TIEN Tif HOAT DOG TAI CHINH

2 Tien thu to phat hanh giay to' co gia dai han co du dieu kien tinh 36

vao v6n to co va cac khoan v6n vay dai han khac

3 Tien chi thanh todn gi'ay Ur co gia dai han CO der dieu kien tinh vao 37

THUYET MINH BAO CAO TAI CHINH HQP NHAT

Cho Q* II nam 2013

Tru s& chinh S6 77 - TrAn Hung Dao - Q Hoan Kiem - TP Ha NoiViet N • • am

M SHB

Ngfin hang TMCP Sai Gan — HA Ni

THUYET MINH BAO CAO TAI CHINH HqP NHAT

QUY II 2013

1 Thong tin ve ngfin hang

Giay phep hoat dOng 0041-NH/GP ngay 13 thang 11 nam 1993

Giay pile') hog d6ng do Ngan hang Nha nt•6c Viet Nam cap Th6i han hog dOng cua Ngan hang la 40 nam ke tit ngay cap giay phdp dau tien

Thanh vien Thanh vien Thanh vien Thanh vien

T6ng Giam d6c PhO T6ng Giant d6c PhO T6ng Giam d6c Pito T6ng Giant d6c Pito Tong Giam d6c PhO T6ng Giam d6c PhO T6ng Giant d'ec kiem ke toan twang Pito Tong Giam d6c

Tai b6 nhiem ngay 5 thang 5 nam 2012 Tai b6 nhiem ngay 5 thang 5 nam 2012 Tai b6 nhiem ngay 5 thang 5 nam 2012 B6 nhiem ngay 5 thang 5 nam 2012 B6 nhiem ngay 5 thang 5 nam 2012 B6 nhiem ngay 5 thang 5 nam 2012 B6 nhiem ngdy 5 thang 5 nam 2012

Tai b6 nhiem ngay 05 thang 05 nam 2012 Tai b6 nhiem ngay 05 thang 05 nam 2012 B6 nhiem ngdy 05 thang 05 nam 2012 Tai b6 nhiem ngay 05 thang 5 nam 2012

Tai b6 nhiem ngay 21 thang 5 nam 2010 B6 nhiem ngay 01 thang 9 nam 2006 B6 nhiem ngay 20 thang 6 nam 2013 B6 nhiem ngay 10 thang 4 nam 2009 B6 nhiem ngay 18 thang 02 nam 2013 B6 nhiem ngdy 15 thang 3 nam 2011 B6 nhiem ngay 08 thang 06 nam 2012

B6 nhiem ngdy 9 thang 10 nam 2012

Hoi diing Quin tri

Ong D6 Quang Hien

Ong Nguyen Van Le

Ong TrAn Ngoc Linh

Ong Pham H6ng Thai

Ong Pham Ngoc Tuan

Ba Dam Ngoc Bich

Ong Le Quang Thung

Ban kiC'in soat

Ong Pham Hoa Binh

Ong Nguyen Hun Dix

Ba Hoang Thi Minh

Ong Biai Thanh Tam

Ban T4fing Giam dew

Ong Nguyen Van Le

Ong Dang Trung Dung

Ong Pham Van Thang

Ong Le Dang Khoa

Nguy'L Huy Tai

NO Thu Ha

Ninh Thi Lan Phtrang

Dang T6 Loan

2 Da"c diO'm host clOng ctia to chin tin citing

Ngan hang Thtrang mai Co phAn Sai G6n - Ha N6i (duOi day goi tat la "Ngan hang") la mot ngan hang thtrang mai c6 phan Viet Nam thanh lap tai nuoc COng h6a Xa h6i Chu nghia Viet Nam

SHB

Ngan hang TMCP Sai Gen — HA NOi

Nha nude Viet Nam Ngdy 28/08/2012 Ngan hang TMCP Nha Ha Nei (Ten viet tat: HBB) chinh thirc sap nhap vao Ngan hang TMCP Sai G6n — Ha Nei (Ten viet tat : SHB) theo QD 1559/QD

vi vay s6 lieu thuyet minh cho ky nay la s6 lieu hop nhat SHB, HBB cu, va 2 cong ty con (s6 lieu chua kiem toan), s6 lieu thuyet minh cho ky trade la s6 lieu cua SHB va AMC

V6n dieu le dia Ngan hang tai ngay 30/06/2013 la 8,865,795,470,000 &Ong (Tam nghin tam tram sau lam ty bay tram chin lam trieu b6n tram bay muai nghin d6ng)

Hei chinh cna Ngan hang dal tai S6 77 - Trail Hung Dao - Q.Hoan Kiem - Ha Nei - Viet Nam Tai ngay 30/06/2013, Ngan hang c6 4.863 nhan vien (Dau nam 2013: 4.996 nhan vien)

3 Tom tAt cac chinh sach ke toan cha ye'u

Chun muc va che cho ke Wan Ap dung

Ngan hang trinh bay cac bao cao tai chinh bang d6ng Viet Nam (VND) theo Lug cac T6 chdc Tin dung, Lug sda doi va b6 sung met s6 dien trong Lug cac T6 chirc Tin dung, cac chuan muc k6 toan Viet Nam va He th6ng Ke toan cac t6 auk tin dung Viet Nam

Ky ban can va don vi tien to

KY bao cao cua Ngan hang bat dau tir ngay 01/04/2013 va ket fink vao ngdy 30/06/2013 Don

vi tien to sn• dung trong ghi chep ke toan la d6ng Viet Nam (VND)

4 Nguyen ta'c ghi nh4n cac nghip vu bang ngoai to va quy doi

Theo he thong ke toan cna Ngan hang, tAt ca cac nghiep vu phat sinh cna Ngan hang duac hach toan theo nguyen te Tai th•i diem cu6i nam, tai san va cong no• co ngu6n g6c ngoai to duct quy doi sang VND theo ty gia quy dinh vao ngay lap bang can do'i ke toan Cac khoan thu nhap va chi phi bang ngoai to cua Ngan hang duac hach toan bang VND theo ty gia vao ngdy phat sinh th6ng qua giao dich mua ban ngoai te Chenh lech ty gia do danh gia lai cac tai khoan kinh doanh ngoai to dirge hach toan vao bao cao Ket qua Hog deng Kinh doanh va lei nhuan de lai Chenh Lech ty gia phat sinh do quy d6i cac tai san va cong no khac bang ngoai te sang VND dirge xir ly vao doanh s6 cna cac khoan muc tuong Ung tren bang can d'cii ke toan vao ngay lap bao cao tai chinh

5 ChtMg khoan dau tar gift' den ngay dao han

Chang khoan no gig den ngay dao han la cac chUng khoan co ky han c6 dinh va cac khoan thanh toan c6 dinh hoac co the xac dinh duac va Ban T6ng Giam d6c co y dinh va co kha nang den ngay dao han Ngan hang dang ghi nhan cac chiang khoan nay theo gia g6c Ong lai du thu tar lai ch• phan b6 Gia tri phu trei hoac chi& khan (nen c6) cang duos phan anh vao gia tri ghi s6 cna khoan dau tu Lai duac du thu hoac phan b6 theo *rang phap throng thang Chimg khoan &roc gift den khi dao han se dirge xem xet ve kha nang giam gia Chung khoan &roc lap du ph6ng giam gia khi gia tri thi truang nho han gia tri ghi s6 Du phong giam gia duac ghi nhan vao bao cao ket qua hog deng kinh doanh

i'I SHB

Ngan hang TMCP Sai Gan — Ha NOi

6 Chang khoan dau fir sill sang d ban

Chirng khoan dau to san sang de ban la cac chirng khoan duoc trong thai gian khong an dinh trade, c6 the duoc ban a dap Crng nhu cau thanh khoan hoac de ung phO truang hop thay d6i 1af suAt, ti gia, hoac gia tri chirng khoan Ngan hang dang ghi nhan cac chirng khoan nay theo gia g6c cong lai du thu hit lai ch6 phan b6 Gia tri phu tri hoac chit khau (net' co) ding duoc phan anh vao gia tri ghi s6 cua khoan dAu tit Lai duoc du thu hoac phan b6 theo phtrang phap du.6ng thang Cac chimg khoan nay duoc danh gia dinh ky theo gia tri thf twang va du ph6ng giam gia tri se duoc lap khi gia tri thi truang nhO hon gia tri ghi s6 Du pilot-1g giam gia duoc ghi nhan vao bao cao ket qua hog dung kinh doanh

7 Chirng khoan kinh doanh

Chirng khoan kinh doanh la chung khoan ban Au duoc mua va nam gfu cho muc dich kinh doanh trong ngan han hoc ne'u Ban T6ng Giam doc quy& dinh nhu vay Ngan hang dang ghi nhan cac chUng khoan nay theo gia g6c vao ngdy giao dich Trong cac ky tiep theo, cac chi:mg khoan tiep tuc duoc ghi nhan theo gia giSc Tuy nhien, gia tri thi truang cua cac choug khoan van duoc Ngan hang theo dOi de danh gia ve kha nang giam gia khi gia tri thi twang thap hon gia g6c Ngoai trir twang hop khong the xac dinh gia tri thi truang mot cach chac chan thi gia tri cua chi:mg duoc tinh dua tren nguyen gia sau khi tar di Mn that ix& tinh (net' co) Lai hoac to to kinh doanh chirng khoan duoc ghi nhan tren bao cao ket qua hog d6ng kinh doanh theo s6 thuan

8 Cac khoan cho vay

Cac khoan cho vay ngan flan c6 ky han dual 1 nam; cac khoan cho vay va cho thue tai chinh

trung han c6 ky han tir 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han co ky

han tren 5 nam k'e tir ngay giai ngan

Viec phan loaf no va lap du phOng ruf ro tin dung dupe thuc hien theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh so 18/2007/QD-N1-INN ngay 25 thang 4 nam 2007 cila Th6ng d6c Ngan hang Nha nude Viet Nam Cac khoan cho vay duoc phan thanh nam nhom no can dr vao tinh hinh tra no va cac yeti t6 dinh tinh nhu sau:

Mom 1: No dfi tieu chuein

• Cac khoan no• trong han ma Ngan hang danh gia la co du kha nang thu h6i day du ca g6c va lai diing th6i han;

• Cac khoan no qua han dual 10 ngay va Ngan hang danh gia la co kha nang thu h6i day du g6c va lai bi qua han va thu h6i day du g6c va iai dung thai han con 14i;

Nhom 2 No can chit )5

• Cac khoan no qua han tit 10 ngay den 90 ngay;

SHB

Solid parInfgr 10011A

Ngfin hang TMCP Sai Gan — Ha N'n'i

• Cac khoan no co call lai thai han tra no trong han theo theri han &roc co cau

Nhom 3 No' dual tieu chudn

• Cac khoan no qua han tit 91 den 180 ngay;

• Cac khoan no co eau lai thai han tra no lAn dau, trir cac khoan no dieu chinh kY han

tra no lAn dAu phan lo4i vac, nhom 2;

• Cac khoan no &roc mien hoac giam lai do khach hang khong du kha nang tra !di day

du theo hop (16ng tin dung;

Nhom 4: Na nghi nger

• Cac khoan no qua han tir 181 den 360 ngdy;

• Cac khoan no co cau lai thai han tra no ran Tau qua han dtrai 90 ngay theo thai han tra no &roc co' cau lai 'An dAu;

• Cac khoan no co' cau lai thai han tra no lan thin hai;

Nhorn 5: No co kha nang mat von

• Cac khoan no qua han tren 360 ngdy;

• Cac khoan no co cau lai thoi han tra no Ian dAu qua han tir 90 ngdy tar len theo thai

han tra no &roc co' cau lai Ian dAu;

• Cac khoan no co' cau lai thoi han tra no lAn thin hai qua han theo theri han tra no dugc co' cau lai ran thin hai;

• Cac khoan no co' cau lai theri han tra no lAn thir ba tro len, ke ca chtra bi qua han hoac cid qua han;

• Cac khoan no khoanh, no cho' xtr

Theo Quyet dinh so 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh s6 18/2007/QD-NHNN ngay 25 thang 4 nam 2007, d6i cac khoan no qua han, to chic tin dung phan loaf lai vao nhOm no CO rid ro thAp han khi Ngan hang danh gia la CO du kha nang thu h6i day

&I ca g6c va lai; va khach hang co tai lieu, h6 so' chimg minh cac nguyen nhan lam khoan no nay qua han dtroc xi ly, khac phuc Ngan hang chu dOng ttr quy& dinh phan loaf cac khoan no vao cac nhOm no rui ro cao han tuang tIng vai mdc do rui ro khi xay ra mot trong cac twang hop sau day:

• Khi co nhttng din Wen bAt lgi ti tac dOng tieu cuc den moi truerng kinh doanh va firth vue kinh doanh;

• Cac chi tieu tai chinh cua khach hang hoac kha nang tra no cila khach hang bi suy giam;

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

va chinh xac de Ngan hang danh gia kith nang -Era no ctia khach hang

Dv pining riii ro tin clung: Viec tinh du phong cu the &roc can ci tren cac tY le dp dung cho

tirng nhOm no nhu' sau:

SHB

partne,s, ,Oillt1.011,

Ngan hang TMCP Sai Con — Ha Nti

9 Tai san co dinh

Tai san c6 dinh duac the hien theo nguyen gia trir di khAu hao 1uy ke Nguyen gia bao g6m toan be cac chi phi ma Ngan hang phai bO ra de có duac tai san c6 dinh tinh den thai diem dtra tai san dO vao trong thai san sang sir dung Tai san co dinh duoc tinh khau hao theo phtrang phap

&rang thing de trir din nguyen gia tai san trong su6t thai gian him dung trac tinh nhu sau:

- Nha cCra, vat kien trite 25 - 50 nam

- Dung cu quan ly va phan mem tin hoc 03 - 08 nam Quyen sir dung dAt &rot khau hao theo phuong phap dtrOng thing phis hop vai Gidy chirng nhan quyen sir dung dat Quyen sir dung dat vo thai han (Vac ghi nhan theo gia g6c va khong tinh khdu hao

10 Titn va cac khoin twang diming tien

Tien va cac khoan tuong &rang tien bao g6m tien mat, yang, da quy, tien giri thanh toan tai NHNN, tin phieu Chinh phu va cac giay ter co gia rigan han du dieu kien chi& khau NHNN, cac khoan tien giri thanh toan va tien giri, cho vay tai cac t6 ch(rc tin dung khac CO thai• han dao han khong qua 3 thing ke to ngay giri

11 Cac cong et' tai chinh phai sinh

Cac cong cu tai chinh phai sinh dirge ghi nhan tren bang can d6i ke toan theo gia tri hop d6ng vao ngay giao dich, va sau dO dugc dinh gia lai theo gia tri hop 1y Lai nhuan hoac 18 khi cac cong

cu tai chinh phai sinh chive thut hien dirge ghi nhan trong bao cao ket qua hoat diing kinh doanh

Lai nhuan hoac 18 chua thuc hien duce ghi nhan vao khoan muc chenh Lech dinh gia lai cac cong

cu tai chinh phai sinh tren bang can d6i ke toan va dirge ket chuyen vao ket qua hoat deng kinh doanh vao thOi diem cu(Si nam

SHB

'50,1 parlmor,, ,oltarnos

Ngfin hang TMCP Sai Gen — HA N(li

12 Ghi nhan thu nhap/ chi phi lai

Ngan hang ghi nhan thu nhap tir lai va chi phi lai tren bao cao ket qua hog dOng kinh doanh tren co so dtr thu, du chi

13 Ghi nhan thu nhap tir phi Ira hoa Wing dich vu

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

• Phi thu tir viec cung cap dich vu trong mot theri gian nhat dinh: Phi thu tir viec

cung cap dich vu trong mot the•i gian nhat dinh dtrac thu trong su6t the• gian &I Phi nay

bao g6m phi quart 13"r, phi nhan uy thac, hoa ht'o'ng va cac phi lien quan den cap tin dung,

quan 13% tai san, phi quail 1)% danh muc va cac chi phi quart ly ding nhu phi to van khac

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

gia dam phan cac giao dich cho mot ben thin ba, vi du nhtr dan x6p viec mua co phan hoac cac lo4i chirng khoan khac hoac mua lai doanh nghiep , dirge ghi nhan khi hoan tAt giao dich lien quan Phi hoac m'a't phan cua khoan phi nay có lien quan den viec thuv hien mot cong viec nhat dinh se dupe ghi nhan khi hoan tAt dieu kien ttrang ung

SHB

Ngan hang TMCP Sai Gan — Ha NOi

14 Thong tin bao cao blo phan

- Thong tin ha° cao 130 ph4n theo linh vire kinh doanh:

Kinh doanh va Tin dung Dau tie huy clang van Dich vu

Dan vi: VND

Tong Ong

Cho giai doan tie ngay 1 thong 04 clen ngay 30 (hang 06 Plain 2013

1 Doanh thu truc tiep 1,700,746,473,437 542,288,168,882 1,657,235,282,511

33,542,186,194 3,933,812,111,024

Tai ngay 30 thong 06 nam 2012

1 Tai san b6 phan 64,146,941,622,881 15,807,862,295,615 16,244,008,788,370

18,854,900,000 96,217,667,606,866

2 Tai san phan b6 3,506,999,519,231 39,289,327,298

2,193,369,402,190 2,567,472,127,329 8,307,130,376,048 Tang tai san 67,653,941,142,112 15,847,151,622,913 18,437,378,190,560 2,586,327,027,329 104,524,797,982,914

1 Ng phai tra bo phan (158,570,082,147) (93,594,026,969,151)

983,180,271,644 (92,769,416,779,654)

2 Na phan b6 (834,715,907,543) (9,351,420,299) (522,053,202,770)

(611,094,987,353) (1,977,215,517,965) Tang ang ncr (993,285,989,690) (9,351,420,299) (94,116,080,171,921) 372,085,284,291 (94,746,632,297,619)

111 SHB

Ngfin hang TMCP Sai Gen — HA Nii

- Thong tin bao ea° bO ph4n theo khu virc dia 1y

Chi tieu CN Nu• ngoki Mien Bic

Trong nuirc Mien Trung Mien Nam

Dan vi: VND

Ting cong

Thu nhap lai thuan 25,299,621,234 408,326,599,564 75,015,265,844

142,104,604,627 650,746,091,269 Lai/ 18 thuan tit hog do, ng dich vu 5,623,687,767 20,085,505,376 345,586,449

8,113,224,419 34,168,004,011 Lai/ 18 thuan tit mua ban chi:mg khoan kinh doanh (9,573,623,511)

(9,573,623,511) Lai/18 than tit hog dOng kinh doanh ngoai h6i 194,613,292 29,604,587,126 266,159,511

3,905,944,793 33,971,304,722 Lai/18 thuan tit mua ban chimg Ichoan dal! to (8,965,615,329)

(8,965,615,329) Lai/18 thuan tit hoat dOng khac (10,887,617) 37,681,045,058 (102,617,103)

(290,512,919) 37,277,027,419 Thu nhap tit g6p von, mua c6 phan 920,269,450

920,269,450 Chi phi hoat Ong (10,297,695,316) (319,674,333,236)

(28,223,854,658) (69,073,004,886) (427,268,888,096) Lol nhuAn thuin d• hoat ding kinh doanh trtrov chi

phi dkr piling nii ro tin dung

20,809,339,360 158,404,434,498 47,300,540,043 84,760,256,034 311,274,569,935 Chi phi du ph6ng rid ro tin dung (4,918,440,316) (83,337,456,116) 12,091,699,279

(52,040,811,369) (128,205,008,522) Ting Icri nhuAn fruit thus 15,890,899,044 75,066,978,383 59,392,239,322

32,719,444,665 183,069,561,413 Chi phi thus TNDN tam tinh

Log nhuAn china phan phii/ LAi 11137 k'e 15,890,899,044 75,066,978,383 59,392,239,322

32,719,444,665 183,069,561,413

SHB

Soled o rtners, Gevibir solutIon,

Ngan hang TMCP Sai Gon — Ha Ni i

15 Ti61 mat, yang bac, di qu57

Ti& mat bang ngoai t" 212,718,876,131 224,360,190,262

TiL giri khac

Ti'dn, yang gni c6 kJ) han 11,151,161,911,050 19,801,280,066,481

II SHB

Ngan hang TMCP Sal Gen — Ha Ni

18 Chti.ng khoan kinh doanh

30/06/2013 VND

31/12/2012 VND

Chfrng khodn N9

- ChUng khoan Chinh phfi

- Chimg khoan No do cac TCTD khac trong nuOt

phat hanh

- ChUng khoan Na do cac TCKT trong nuac phat

hanh

- Chimg khoan Vo'n do cac TCTD khac trong nuac

phi hanh

- Chang khoan V6n do cac TCKT trong nuot phat

hanh 89,000,129,168 40,564,341,662

ChO'ng khocin kinh doanh khdc

DieThong gidm gid chirng khocin kinh doanh (26,919,581,591) (27,177,062,665)

- Chua niem yet

Chfrng khodn kinh doanh khcic:

- Da niem ye't

- Chua niem ye't

89,000,129,168 40,564,341,662

SHB

Solla 1101).1M

Ngfin hang TMCP Sai Con — HA NOi

19 Cac cong cu tai chinh phai sinh va cac tai san tai chinh khic

Tai ngay 30 thang 06 nam 2013

Tang gia tri cita hap cl'ang (theo gia ngay

Tang gici tri ghi so kre' toan

tai ngay lap bcio cao) hi4 life hop clang) Tai san Cong no

Cong cy TC phdi sinh tien to 2,085,243,236,454 7,271,076,309

Giao dich kY han tien to 374,798,700,000 2,586,569,995

Giao dich hoan d6iky han 1,710,444,536,454 4,684,506,314

Tai ngay 31 thang 12 nam 2012

Cong cy TC phdi sinh tidn to 1,710,623,497,800 5,846,612,060

Giao dich ky han tien to 913,539,370,000 3,263,769,995

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

20 Cho vay khach hang

30/06/2013 31/12/2012

VND ND

Cho vay cac to chin kinh t6, ca nhan trong

nu& 55,833,265,204,794 54,824,594,490,368 Cho vay chi& khau thtrang phieu va cac

giay tO có gia 237,869,527,624 985,650,393,340 Cho thue tai chinh

Cac khoan tra thay khach hang 11,290,986,850 582,245,331 Cho vay bang On tai tro, ny thac dau ttr 27,668,394,008 74,572,331,345 Cho vay doi v•i cac to chi•c, ca nhan ntrac

ngoai 2,211,451,337,979 897,889,799,384 Cho vay khac 157,120,314,455 156,435,068,897

Ng cho vay &rot khoanh va n9 chO xir 1y

58,478,665,765,710 56,939,724,328,665

SHB

Solid pariners.11e.ble tvoluelo,r%

Ngfin hang TMCP Sai Gan - HA N'cli

20.1 Phan tich chit luvng ng cho vay

30/06/2013 VND

31/12/2012 VND

Doanh nghiep Nha ntr6c trung u.ang 1,930,183 3.30 2,127,108 3.74 Doanh nghiep Nha ntr6c dia phtrang 701,679 1.20 560,436 0.98

Cong ty TNHH tu nhan 11,682,730 19.98 11,452,224 20.11 Cong ty co phan Nha nu& 3,301,368 5.65 3,197,708 5.62

Doanh nghiep co von &Au W nu& ngoai 409,474 0.70 500,953 0.88

11$11 SHB on ers 11ex■ble soluti0/1,

Ngfin hang TMCP Sai Gon - Ha Ni O

20.4 Phan tich dir no cho vay theo nganh kinh to

30/06/2013 tri0 VND

Ban bu6n va ban le; sa.a chi-ra o to, ma to, xe

may va xe CO thing co khac 10,418,206 17.82 10,504,245 18.45

Dich vu luu tru va an ding 1,373,216 2.35 1,284,432 2.26

Hoat dOng tai chinh, ngan hang va bao hiem 934,885 1.60 654,824 1.15 Hoat dOng kinh doanh bat dOng san 2,517,779 4.31 2,236,672 3.93 Hoat dOng chuyen m6n, khoa hoc va c6ng

Hog &Ong hanh chinh va dich vv 118 trq 37,118 0.06 49,744 0.09 Hoat Ong cua Dang COng san, to chfic

chinh tri - xa hOi, quan ly nha mac, an ninh

quOc phi:mg; bao dam xa hOi bat buOc

Y to va hoat Ong trg gulp xa hOi 67,430 0.12 76,326 0.13 Nghe thuat, vui chai va giai tri 22,414 0.04 21,757 0.04

Hog dOng lam thue cac cong viec trong cac

ho gia dinh, san xuat san pham vat chat va

dich vv tieu dung dm hO gia dinh

Hog dOng cua cac to chirc va ca quan quOc

SHB

Sok° n.ariner, Cloxible Noloion,

Ngan hang TMCP Sai Gen — Ha NCii

21 Dir pilling rui ro tin dung

Dv phong giam do xir 1j, cac khoan ng kh6 thu

h6i bang nguon du phong

Di'eu chinh tang/ (giam) khac

So cu6i ky 410,359,790,101 1,438,475,764,482

Ky trtrac

Si our dau k)' 200,004,430,998 154,962,118,692

Dtr ph6ng rui ro trich lap trong kSi/ (Hoan nhap

dir phong trong Icy) 143,006,676,226 752,457,604,945

Du phong giam do xir 13i cac khoan ng kh6 thu

11.M bang ngu6n du phong

s6 dir cuoi ksr 343,011,107,224 907,419,723,637

22 Chtimg khoan Tau hr

22.1 Chting khoan Tau tir san sang de ban

30/06/2013 31/12/2012 VND VND

Chung khoan Chinh phu 3,732,015,976,908 4,947,245,206,964

ChUng khoan Ng do cac TCTD khac trong

nugc phat hanh 60,691,899,696 375,018,484,551

ChUng khoan Ng do cac TCKT trong nu&

phat hanh 2,699,279,357,521 3,048,308,609,293

Chang khoan V6n do cac TCTD khac trong

nugc Oat hanh 11,688,790,000 11,688,790,000

Chang khoan Vo'n do cac TCKT trong nu&

phat hanh 36,424,079,317 36,334,829,317

Dcr phong giam girl cluing khocin san sang

6,530,915,463,626 8,408,732,136,809

SHB

rmrtners sr ■ lolirzn,

Ngan hang TMCP Sai Gan — HA Ni a

22.2 Ch'ing khoan &Au tu gift de'n ngay dal) han

30/06/2013 VND

31/12/2012 VND

Chirng khoan Chinh phu 2,743,795,064,778 869,688,118,703 Chung khoan Ng do cac TCTD khac trong

nu& phat hanh 946,620,000,000 2,345,668,000,000 Chung khoan Ng do cac TCKT trong woe PH 1,074,010,193,114 1,075,187,684,837

Du phong giam gia chimg khoan dAu to giu

den ngay dao han

4,764,425,257,892 4,290,543,803,540

23 G6p von, dau tir dai han

30/06/2013 31/12/2012

DAu tu• vao cong ty con

Cac khoan dau to vao cong ty lien doanh

Cac khoan dAu to vao cong ty lien k6t

Cac khoan au to dai han khac 410,841,525,375 435,325,959,557 Dt• phong giam gia au to dai han (51,968,799,979) (43,622,883,398)

358,872,725,396 391,703,076,159