ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 1 năm 2012 td bảng cân đối kế toán

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Il6 nhie rn ngi1, 27 thirng 7 nam 200B

'I'ru sti chinh 56 77 - l'rin FlrLng l)ao - Q.lloiin Ki6rn

2 D{c di6m hoat d6ng cril to clrric lin dung

lirrorl Not a valitl link (clLrtii cldr goi tit la "Ngan lrin!") lli nrrrt nean hdne tlrrrtrug ntai c6 phiip

Vi0t Nant thanh lAp tiii ttLtric Cong ht)a Xd hoi ('hLr nglria \ ict \anr itii thtri {.riun hoerl ct6ng lir.l0ndm thco 00'+l-NIlr'(-rl) Itcir ll tlriinc ll nirrn l9()-l e ri.l \sin harr,, \lri rrrLilc ViCt Narn V6n clicLr

Ngfin hing l'MCl' Shi Gdn lln NQi

16 cua Ngin hdng tai ngal 3ll03l20l2lA 4,815.795.410,000 d6ng (l)6n nghin tiim trdm muo'i ldm

ty bay trdrn chfn l6rn trier.r bdn trdrn ba1'rnu'oi nghin drrrrg).

H6i sri chfnh cua NgArr hdng d6t tai 36 77 - 'l'rAn I ILLng [)ao - Q.l lodn Ki6m - tld Ndi - Vi6t Narn.-l'ai

ngiiy 3110312012 NgAn hdngcti 2944nhln ri0rr lDau ndm 2012:2840 nhAn vidn)

3 T6m tit cfc chinh s{ch k6 toin chfi v6u

Chudn mgc vh ctr6 Od k6 tofn :ip dung

NgAn hdng lrinh bir1, cdc b6o cdo liri chinh binc dong Vi6t Nam (VND) rhco t,u6t c6c l'6chri'c l'in dung, Lual stra doi v?r bo surrg rndt s6 dieu trong l.uA1 cric'l-6 chirc'l'fn dung, c6c chuinrnuc ki todn Viit Narn vri llc rh6ng K0 todn cdc ro ch[rc rin clurrg Viir Narn

K! brio c6o vir do'n v! lidn td

K! biro cdo clta Ngdn hdng U6t aau tir ngdy 0110112012 vd kCt thuc vdo ngd5, 3 ll03l20l2Don vi tidn t0 s[L ch-rng trong ghi clrep kc todn lA dc\ng Vi6t Narn (VND)

1 Nguy6n tfc ghi nhin cdc nghiGp vg bling ngo4i tC vii quy tl6i

Thco hd th6ng kO 1o6n cua NgAn hdng, t6t cA c6c nghi€p vLr ph6t sinh cira Ngdn hdng dLLoc

hach to6n theo nguy6ri 10 'l'ai thd'i di6m cudi ndrn, tdi san vd c6ng no c6 ngu6n gdc ngoai t6 duocquy ddi sang VND theo ty giri quy dinh vdo ngdy ldp bAng cAn AOi ne to6n C6c khoan thu nhdp vd

chi phf bdng ngoai td cua NgAn hdrrg cJuoc hacli to6n bing VNI) theo tli giri vdo ngdy ph6t sinh

tlr6ng qua giao dich mua biin ngoai t6 Ch6nh l6ch tt'giri do cl6nh gi6 lai citc tdi khoan kinh doanh

ngoai te dtrtrc hach todn viio biio cdo Ki1 qua Iloal dorrg Kinh cloanh vd lo-i nlruAn Ati tai Chcnh

lQch tyi'giri ph6t sinh do qLry cldi cdc tai san vd c6ng no khric bang ngoai td sang VND drLo-c xg lyvho doanh s6 cua ciic khoan muc 1uu-ng fing tr0n bang cAn AOi fe toiin vdo ngdy l6p brio cdo tdi

ch inh

5 Chri'ng khofn ddu tu'gifr d6n ngiy cl{o h4n

Chung lihodn no giir d€n ngir-r diio han ld c6c chinrg kliodn c6 k! han cd dinli vd ciic khoanthanh toiin cO dinh hodc co th6 xric clinh cluo-c vd llan'lting Ci:irn cl6c c6 y dinh vd co kha ndng gifr.

d6n ngdy clao han NgAn hang clang ghi nliAn cdc chrlng khoiin niry thco giri g6c c6ng lii du thr-r trilldi chd'phAn b6 Giri tri phLr trdi hoic chi6t kh6u (n6u c6) cirng duoc phan iinh viio giri tri ghi so cua

kho6n dAu tLr I-6i rtuo-c du thu hodc phdn b6 thco phrLong phrip du'd'ng thing Chfrng khoiin duo-c

giil d6n khi d6o han sE dutlc xern xe1 v€ kha ndng giArr giri Chrlng l<hoiin duo-c ldp dLL phong gidm

gi6 khi gi6 tri thi trud'ng nho ho'n giri tri ghi so I)u phirng giarn giri drro-c ghi nhan vdo brio c6o k6t

NgAn hhng I'MCP Sdi Gdn - IIn NQi

6 Chri'ng khofn dAu tu sin sirng CG trrin

Chu'ng khoiin diu tLl sin sdng dd ban ld ciic chirng khorin drLoc gifr'trong thoi gian khdng 6n

dinh tn-rtic c6 th6 duo-c b6n Ce Oap ring nhu cAu tharrh khoAn hoac di ung pho voilru'd'ng hop thay

OOi tal suet, 1i gi6, hodc gid tri clifirrg kho6n NgAn hAng dang ghi nhAn ciic ch[r'ng kho6n ndy thcogi6 g6c c6ng ldi du' thu lrir ldi cho phdn b6 Gi6 tri phu tr6i hodc chi6r kh6u (nCu c6) cfrng du'trc

phAn 6nh vdo giii tri ghi sd cua khoAn clAu tu t,di cluoc clr-L thu hoac phAn bo tlrco phLrong phdp

duo'ng thing C6c chirng lilioiin ndy duoc cLinh giri dinh kj,lhco gi6 tri thi trud'ng vd du'phong giarn

giri tri se duo-c l6p khi gi6 tri thi trtLd'ng nho hon giri tri ghi sf' Du phong giAm gi6 duo-c ghi nhAn

vdo biio crio k6t quA hoat d6ng kinh doanh

7 Chf'ng kho6n kinh doanh

Cliilng khoiin kinh doanh ld chfing klrodn barr clAu dutrc mua va ndrn giir cho muc dfch kirrhdoanl, trong ngdn han hodc n6u llan 'I'6ng Giam doc quyit dinh nhrL vAy NgAn hirng dang ghi nhdn

c:ic chimg khoiin niry thco gia goc vao rrgiry giao dich 'l'rong c6c k1) ti6p theo, cdc ch[Lng kho6n ti6ptuc duo-c ghi nhAn theo giri goc.'l'u.v'nhien, giri tri thi trLlong cua c6c chf'ng khoiin v5n duo-c NgAn

hdng theo ddi de ddnh gi6 ve U.,a rr6ng gi6m gi6 khi gi6 tri thi tru'o'ng th6p hon gi6 gdc Ngoai triL

trud'ng hop khdng the xrlc clinh gia tri thi tru'd'ng m6l ciich chic chin thi giritri cua chfng duo-c tfnh

dua tr6n nguy0n giii sau khi tril di rdn thAt u6'c t.inh (ndu c6) I-di hodc 16 tiL kinh doanli chiLns

klio:in duo-c ghi nhAn tren bdo cdo k6t qua hoat il6ng kinli doanli thco s6 thuAn.

8 Cfc khorin cho vav

Ciic l<hoan cho vay ngan han co k1) han dmii I ndm; cdc khodn cho vay vd cho thu6 tdi chinh

trung han crl ky' lian tir' 1 narn din 5 nam vir c6c hhotin cho vay vd cho thlle tdi chfnh ddi han cti kyr

han trdn 5 ndm ke tir ngdy,giAi ngin

Vi6c ph6n loai no vd lAp dr"L phong rui ro 1in dung duo-c thtic hien ttrco Quy6t dinh s6

493120051QI)-N[INN ngdy 22thfng4 ndrn 2005 vd Quy5r dinh s6 1sl}007leD-NIINN ngdy 25

thing 4 nram 2007 cua 'I'hting

doc NgAn hdng Nhd nr.Ldc ViOt Narn Ciic khoan cho vav duo.c nhAn

thdnh ndrn nh6m no- cdn cir vdo tinh hinh tra no vd c6c y6Lr t5 ctinh tinh nhu sau:

Nlttim I: No' di ilAu t'hudn

C6c khoan no- trong han md NgAn hdng drinh gi6 ld c6 du khA ndng thu hdi cl6y du ca

i i- ,,

goc va lai dLirrg thrli han:

Ciic khoAn rTo- qu6 han du6'i l0 ngdy vir NgAn hdng drinh giri ld c6 khA ning thu h6i

dAy dr} g5c vd l6i bi qu6 han vd thu h6i day dil g6c vd l6i dirng thoi han cdn lai;

Nhint 2 Nrr can chit !

Ciic khoin nr.r clud han 1ir 10 rrgAr din 90 rrgiry;

,o ('Ac klroan ntr rliirr chrrrh l<i lrarr tla ntl- lAlr elatr:

NgAn hing TMCP Siri Girn - IIn NQi

r (l6c klroAn rrtl e cr cAu lai thoi lran tra no trong han thco thoi han dlro'c ctr c6u lai

Nhim.l .Vo tlrrii tiltr c'httutr

Ciic khodn no qu6 han til 9l d6n 180 nghl ;

Ciic khoan no co c6u lai thdi han tra no tin <IALr tril c6c khoan no didu chinh k! han trd

no'lAn dAu phdn loai vdo nh6m 2;

Ciic khodn no clrLo-c rni6rr hodc giarn ldi do l<h6ch hdng kh6ng dn kha ndng tra ldi di-r clu

thco hopl dorrg tiu dung:

Nltdm 4 iVo'nghi ngi'

C6c khoan no- qu6 lian 1ir l8l dcn 360 ngal l

r Ciic khoarr no- co'cau lai thdi han lrh no lAn dAu quri han drr6'i 90 ngdy theo thd'i han 1ra no duo-c co'c6Lr lai lAn dAu:

'.'u- .o au lai thd'i han trA ntr lAn th[ hai:

lYhim 5.' Arr t'6 khtr ttirng ttuit virt

Ctic khodrn no qu6 han trOn 360 ngdy;

o (liic khodrr rro co c6u laithoi han trA no lAn dALr quri han tir 90 ngdy tro l6n theo thd'i harr tra no- dno-c ccr cau lai lAn clAu:

o (ldc khoarr no co c6u lai thd'i han trA no lAn thfl hai quri han tlico thoi han tra no

cluoc co c6u lai llin thil hai:

e (liic khoan no'co c6Lr lai thd'i han tri no lin thil ba tro len, ke cA chua bi quti han

hoac c15 quii lian:

o (l6c khoan no- khoanh no- chd'xu' ly;

1'hco Qul'51 dinh tO +q:/ZOO5/QI)-NIINN ngdy, 22 t"hhng 4 narn 2005 vd Quy6t dinh s6

1El2007lQD-NllNN ngdl'25 thiing 4 nfun 2007 ctoi vtii.cAc lihorirr no qu6 han to chirc tfn dung

phAn loai lai vdo nh6m no c6 rui ro thAp hon khi NgAn hdng diinh giri ld c6 dri khe ndng rhu h6i dAy

du cA g6c vA ldi; vd khiich hdng co tdi li6u, hd so ch[Lrrg rninh ciic nguydn nhdn ldrn khoan no- ndyqu6 han duoc xtL ly, khac phuc Ngdn hdng chu d6ng tLl qLry0t clinh phAn loai c6c khoan no.vdo c6c

nh6m no- rui ro cao hon luot'tg ri'ng v6'i mfic dd riri ro khi xa1, ra rn61 trong biic trLrring ho-p sau ddy:

Khi c6 nhilng di6n bi6n b6t lo-i 1ir tric cl6ng tidu cu'c d5n mdi trr-rdng kinh doanh vd

linh vLLc kinli doanh;

o (l6c chi ti0u 1di chinh cua khiicli hdng ho[c kha ndng trdr no cira khdch hdng bi suy giAmt

o Khilch hang khdng cung cap cho NgAn lrdng ciic thdng 1in tdi chinh kip tho'i, dAy dir

vA chinh x6c di Ngan hdng drinh giri kha ndng 1ra no- cua kh6ch hdng

Du phdng nii ro 1in dgng: Vieo tfnh clu phong cu thr-l cluoc c5n c[L trdn ciic ty 16 ilp dung cho

tiins nh6fir rrtr uhu sau:

Ngdn hirngI'MCP Shi Gdn - lIe NQi

Nh6m

I 2

t\o cal-l cltu Y

No dLL6'i ti6u chr"rAn

No- nghi ngd'

-;;

l\0 co l(l]a nallg Inat \on

- Nhd ct'a vdl ki6n trirc

' ' '; ,

- lvlo)' rnoe tlllct hl

- PhrLong tidn v6n tAi

- [)ung cu qudn ly vd phAn rndm 1in hoc

9 I'dri s:in cO dinh

Tdi san.6 clinh dtLtre thi hicrr thco ngu-ven giir tril di kh6Lr hao liry k6 NgLryen gi6 bao g6rn

todn b6 ciic chi plif md NgAn hdng phAi bo ra di co dtroc 1ai san cd dinli tfnh d6n thoi di6m dua 1di

sAn d6 vdo trang th6i sirr sdng sir clung 'l-di sdr, c6 dinh duoc tinh kh6u hao thco phuong ph6p

10 'Iidn vh cic khoin tu<rng ttuong 1i0n

f i6n vd c6c khoAn trro'ng duong ti0n bao gdm tidn md1 vdng, d6 quy, tii:n gLLi thanh toiin taiNIINN, tfn phi0u Clhinh phLr vd c6c gi6y to'c6 giri ngan han du di6u kiOn chi6t kh6Lr v6'i NIINN cric

.i

khoan ti0n grri thanh toirn vd ti6n gu'i cho vay tai ciic 16 chfic 1fn dung kh6c c6 thdi lian diio han

khong quri i thang l<3 tir rrgAy grLi.

11 Cic cdng cg tii chinh phrii sinh

C6c c6ng cu tdi chfrrh ph6i sinh clrLoc ghi nhAn 1r0r-r bang cAn ctOi t<6 toiin thco gid tri ho-p d6ng

viro ngdl, giao dich, vi sau cl6 du'oc c16nh gid lai theo gi6 tri ho p ly Lo-i nhudn holc 16 khi cac cong

cp tdi chfnh phiii sinh duoc thuc hien du'oc ghi nhAn trong biio cdo ket qua hoar d6ng kinh doanh.I-o'i nhuAn holc 15 chua thr-tc hi6n duoc glii nhAn vdo khoan rnuc chdnh lQch clinh giri lai cac cdng

cu tdi chinh phdi sinh trdn b6ng cAn d5i k6 toAn vh dLLo-c ket chLry0n vao kct qua hoat d6ng kinh

doanh viro thdi diem cr.16i ndrn.

Ngdn hhng I'MCP Shi Gdn ,lle NOi

12 Ghi nhin thu nhAp/ chi phi lfli

NgAn hdng ghi nhAn tliu nhdp til ldi vd chi phi ldi tr6rr bdo cdo ket qud hoat d6ng kinh doanh

tr€n co so du thu, du'chi

13 Ghi nhiin thu nh4p til phi vir hoa h6ng dich vu

Ngdrr hdng thr,r plif tiL ciic dich vu cung cap cho klrdch lrdng 'l-hu nhAp til phf c6 the chia thdnhc6c nh6m sau:

o Phi thu ti'viQc cunS4 cAp tlich vu trong mQt thd'i giun nhdt rllnh: pl-t( thu tir viec

cung cap dich vu trong mot tlroi gian Irhdt clinh drLcrc dr"L thu lrorrg su6t thd'i gian d6 Phf pdy

bao g6rn phi qr-ran l1', phi nhAn uy tli6c, hoa horrg vA cdrc phi li6n quan dOn cAp tin dung

cluan lj tdi sdn phf qLran ly danh rnuc vir ciic chi phi qudr.r 11, ctirrg nhu'phf tu'v6n kh6c

Ph[ thu ti'viAc cung cifp t$ch vq giuo dlch: I'h phiit sinh tir vi6c cldrn ph6n vd tharn

gia ddrn phiin cdc giao dich cho rn6t bdn thril ba vf du nhrL ddn x6p vi€c rnua cd phAn hodc

ciic loai chf'ng khoiin kh6c hodc mua lai doanh nghi6p , duo-c ghi nhdn khi hodn t6t giao

dich li6n quan Phf hodc rnot phAn cua klioan phi ndy c6 li6n quan d6n vi0c thu'c hi6n rndt

c6ng vicc nhSt cJirrh se cluo-c ghi nh6n khi hoan tAl cliirr kiin trrong Llng.

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Ngdn hhng'I'MCP Siri Gdn - Hn NOi

15 Ti6n m{1, ving b4c, df qu;i

3U03120t2VNI)

17 'I'i6n, virng gri'i t4i cic td chri'c 1in dgng khric

TiAn, virrg gii'i khdng kj, h{n

- Ilang VNI)

l-:

- bang ngoat le vuiltg

Tiin, vring gti'i cd k! han

:1.2u,{ 133.050.3 l0265.092.425.140

I 3 70.482,400.000

25,722,843,0330,808 I 8,845,174,632.855

NgAn hing I'MCP Shi (ldn - IIa N6i

18 Chri'ng khoin kinh doanh

Cltfi'ng kltodn kinh ilounlr kltcic

Dqt' pltbng gidm gid cltfi'ng khodn kinlr

- Chua nidm yOt

Chfi'ng khodn kinlt dotnlt khdc:

3t n2t20tl VNI)

Il r t.J\t <n7 91.,4 AO,1

I r(rJf r\, /T

41.507.834,694

36,165,293,69536,165.293.695

NgAn hing TMCP Siri Gdn - IIn Ndi

19 Cric cOng cg tii chinh phdi sinh yrrr c{c liri srin tii chinh khic

clong (theo 4, giti ngity hieu ltrc: hop

rirlrttr)

'l6ng gici tri ghi s6 kd totin (theo tl gid tai ngay ldp hcio ciro)

'l-ai

1'ai ngdy 3l thring 3 nirm 2012

C|rtg cqt 7'C phrii sinh tiin t(

Giao dich kj, han ti6n te

Giao dich horin d6i kj,han

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/6t I 771 6nO\

20 Cho vay kh:ich hing

Cho vay ciic t6 chiLc hinh t6 cd nhAn trong

nutic

Cho vay chi6t khALr thuong phiSu vd cdc

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glay ro co gla

Cho thu6 tdi chfnh

Ciic khoiin tra thal'khrich hdng

,: ;

('ho va1 hing von tai tro- uy lhAc dau tu'

Cho vay O5i vOi circ 1o chLrc cd nhAn nrrtic

ngodi

Cho vay khiic

Nocho vay duo-c khoanh vd no- chd'xu' ly

3v03t2012VND

31t12t2011VNI)31.289.278.323.591

l0

NgSn hdng 'I'MCP SAi Gdn * Hn NOi

20.1 Phffn tich chfl1 lu'ryng no cho vay

3 | /12/201 |

VNI)20,669,139.147 ,206

3Ut2t20tl

"h tri6u VND %

Cho vo1' ctic TCKT

Doanh nghiCp Nhir nu6c tfung uong

COng t1' 'I NIIII Nhd nLltic

Cho t,ut cd nhiin

Cho vay khic

806.i47

26.tt86

8,3 58,488 160,272

73.02 3.55

Ngdn hhng l'MCl' Sii (iirn .- IIhN6i

20.4 I'hin lfch du no.'cho vay thco nginh kinh 16

3t /03/2012 triQu VNI)

31/12/201r ,/" tri6u VNE \'

N6ng nghi0p r ii linr nghiCp r i thirl slr.r

Khai khoiing

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Srtt rurit r ri lrfi1111 l.lroi tli.rrr khi ,lt',r rrrrrrc

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nottg Ittri Ilu(tr \ i rlii'u Iti'rr llri'rrg khi

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Iloat cl6ng chuyCn m6n lihoa hoc lii ct)ng

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IIoat dong cr-ra dang CCrng san t6 chric chinh

tri - xi h6i clLran l nhi nLr'(rc an ninh cpr0c

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lloal cl6n-s clich vu khiic

IIoal ddn-rr lirr thu6 cdc ct)ng Iiec tlong ciic

htr gia.lirrlr turr ruit serr phrim rit clrit rrr

dich i u lLl tiCu dune cua h6 eia dinh

lloat d6rrg cua c/rc td chiLc ri\ ctr cluan qu6c te

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bang ngudn dU'pht)ng

s6 au cuiii ky

22 Chirng khofn dffu tu

22.1 Chvne khoin rliu tu sin sing A6 nan

Chrittg khotitt IYo'

Chrlng kho6n Chinh phu

Chilng klioiin No do c6c 1'C1'D kh6c trong

nLrti'c phiit hdnh

Chilng khorin No do cric 'fCK1'trong nu6'c

phat hdnh

Chtitrg kttotin Vin

Chfing kho6n V6n do c6c 'l'C-l'D kh6o trong

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164,823,526,714

3 5, 1 80,904,284

107,732,171,165 47,968,947,527 739,000,000 200,004,430,999 154,962,119,692

31t03t2012VNI)

31^2t2011VND

5,083,089,990,960950,000,000,000

Ngdn hing I'MCP Shi Gdn - Hn NQi

23 G6p viin, ddu tu dii h4n

- I'hiin tich gi{ lri diu tu theo lo4i hinh dAu tu':

I)du tu vdo c6ng ty con

('dc khoan ddu tu vdro c6ng ty lien doanh

C6c khodn dAu tu vlro c6ng ty 1i6n k6t

('ac khoan dAu ttr dai han khdc

I)u phong giam giii diu tu diri han

Danh mgc cfc khorin dAu tu, gtip v6n nhu sau:

'l'en cric dorr vi

( (lng tv CP Deu lu vri I''l Cao Su Nghf \n

Crinll 1r Cl) quan lt qui driu tu Sii (lon - I Iil \6i

Cdng n CI']CK Sdi (ion - IliL N0i

Cdng ty CP Cao Su Phuoc l liia

crlnll rY cP l)hiir 'lrien i\n Yrel

'I'dng

Cdng ty c6 phdn bao hiern SIIB Vinacomin

Cdng 1y 'l'NI Il l Son Linr

('L)ng 1r'cd phzin ddu tu xir dung LIL;\\1,\ - SI Il)

CtlnrJ n (iP thO thao SI Ill I)a \.lng

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contt l! cP UDS ,\n flrinh

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CP I']hit lnen d6 1hi khu c0ng nghiCp Sl IU ( SI IB Land)

(l l (ll, t)iu tu Kinh doanh tJit dotrg san Gentraco ((ientraco I.and )

C I CP Driu tu Phdt tri0n IIiing Vi0t

tu gifr'cl6n

31t03t2012VND

31/12t201|VND

31ll2t20tl VND

334.289,000,000

(97 5 ,7 59,107)

334,299.000,000(975 \- ,".,759 l07l

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