ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 3 năm 2012 td bảng cân đối kế toán

TAI SAN I Tien m#t, yang bac, di quy II Tien ph tai NHNN III Tien, yang girl tai cac TCTD khac va cho vay cac TCTD khac 1 Tien, yang gfri tai cac TCTD khdc 2 Cho vay cac TCTD khdc

Chi tieu

A TAI SAN

I Tien m#t, yang bac, di quy

II Tien ph tai NHNN

III Tien, yang girl tai cac TCTD khac va cho vay cac TCTD khac

1 Tien, yang gfri tai cac TCTD khdc

2 Cho vay cac TCTD khdc

3 Dv phong rid ro cho vay cac TCTD khdc

IV Chungkhoan kinh doanh

1 Chung khan kinh doanh

2 Dv phoang giam gia chimg khan kinh doanh

V Cfic ding ca tai chinh phai sinh NT?' cac tai san tai chinh khac

VI Cho vay khach hang

1 Cho vay khach hang

2 Dv phong rui ro cho vay khdch hang

VII Charng khoan dAu tn

Chung khan dAu tu sgri sang a ban

Chi'mg khan au tir gig den ngay dao han

phong giam gid cluing khoan dau tu

Op vim, dAu trr dhi han

Dfiu tu vao Ong ty con

2 Von Op lien doanh

3 DAu tu vao cling ty lien ket

4 DAu tu dai han khdc

5 Dv phong giam gid dau tu dai han

IX Thi san co dinh

1 Tai sari c6 dinh huu hinh

a Nguyen gici TSCD hiru hinh

b Hao mon TSCD halt hinh

2 Tai san c6 dinh thue tai chinh

a Nguyen gia TSCD

b Hao mon TSCD

3 Tai san c6 dinh v6 hinh

a Nguyen gia TSCD v6 hinh

b Hao mon TSCD vo hinh

X BAt ding san dill tit'

a Nguyen gid BDSDT

b Hao mon BDSDT

XI Thi san CO khac

1 Cdc khan phai thu

2 Cat khan lai, phi phai thu

3 Tai sari thue TNDN hi:An lai

4 Tai san C6 khac

HANG

CO"PHA'fi

Ndi

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;K1 ners flexible solutions

NGAN HANG TH1.CONG MAI CO PHAN SAI GON - HA NQI

77 Trail Hung Dao - Quan Han Kiem - Ha NOi

Tel: 04.39423388 Fax: 04.39410942

TD - BANG CAN DOI la TOAN

Bio cao tai chinh hqp nhAt Quy III tam 2012

MAu Q-Ola

Ma chi Thuyet tieu minh SO cool kST

Chi tieu

B NO PHAI TRA VA VON CHI.) Sd HirEJ

I Cic khoin nq Chinh phii va NHNN

II Tien giri va vay ciia cac TCTD khic

1 Tien gin cna cac TCTD khac

2 Vay cac TCTD khac

III Tien giri cua khach hang

IV Cac ding cy tai chinh phii sinh va cac khoin nq tai chinh kink

✓ Vim tai trq, us, thac dku fir, cho vay ma TCTD phai chiu riii ro

VI Phat hanh giAy tb c6 gia

VII Cac khan Nq khac

1 Cac khoan lai, phi phai tra

2 Thud TNDN hoan lai phai tra

3 Cac khoan phai tra va cong no khac

4 Dv phong rdi ro khac

TOng Nq phai tra

VIII VOn va cac quy

7 4)7q4411 le'ch tSr gid hOi dodi

:41, citkpAch danh gia lai tai san

\ pi Ottan chua phan phOi

4 taieua co dong thieu so

T int,THAI TRA VA VON CHU SO HtTU

CAC CHI TIEU NGOAI BANG

I Nghia vy nq tiem An

1 Bao lanh vay von

2 Cam ket trong vo L/C

3 Bao lanh khac

Nga-y 20 thong 10 nom 2012

Tim Giam Dec

11,1a chi Thuyet tieu minh SO cuoi ky se din nom

TD - BAO CAO KET QUA HOAT BONG KIM! DOANII - QUY

mink

Quy III Nam 2012 Nam 2011

Dan vi tinh: VND

Luy ke ter dAu nam den cwii QuY III

Nam 2012 Nam 2011

13,077,441,398,220 5,574,885,473,860 11,694,462,329,427 4,195,746,807,255

1,382,979,068,793 1,379,138,666,605

211,936,375,894 119,375,563,116 90,956,303,940 28,696,919,353

120,980,071,954 90,678,643,763 37,900,931,992 54,273,926,043 (357,181,045) 1,793,400,000 (4,423,083,588) (3,496,896,136)

143,059,093,227 5,741,872,466 37,652,247,848 460,836,353

105,406,845,379 5,281,036,113 5,342,297,945 7,202,904,400 1,646,671,693,021 785,719,108,136 1,157,258,409 749,152,572,652 1,106,423,177,893 41,872,163,694 (1,105,265,919,484) 707,280,408,958

178,288,534 175,019,376,139

178,288,534 175,019,376,139 (1,105,444,208,018) 532,261,032,818

20 Mang 10 nam 2012

Giam diSc

cO'PHA'N tiatsi.HA 011

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NGAN HANG TMCP SAI GON - HA NO

77 Tra.n Hung Dao - Quan Hoan Kim - Ha Ned

Tel: 04.39423388 Fax: 04.39410942

Bao coo tai chinh hqp nhAt Quy III nam 2012

M8u A: Q-02a

1 Thu nhdp to tai va cac khoan thu nhdp tuang to 01 33 8,187,244,970,751 2,

2 Chi phi lai va caz chi phi tucmg to lai 02 34 7,802,353,847,423 1,

II Lai/I8 thuAn tir hoot ding dich vu 06 35 25,022,488,880

III Lai/I8 than tir hoot ding kinh doanh ngooi hoi 07 36 5,466,802,936

IV Lai/I8 than tir mua ban cluing khoin kinh doanh 08 37 (2,966,753,398)

V LIMO than tir mua ban chting khan dAu trr 09 37 (5,391,549,613)

VI Lai/I8 thuAn tir hoot Ong khic 12 39 16,782,372,816

VII Thu nh#p tir gap van, mua et) pan 13 38 4,088,913,995

IX Lqi nhu#n than tir hoot Tang kinh doanh trulk

chi phi dy phong rid ro tin (long 15 (614,638,421,200)

X Chi phi dg phong riii ro tin (long 16 1,092,121,595,446

XI

7

Tang lqi nhu#n try6c thus

Chi phi thud TNDN hidn hanh tam tinh

17

18

(1,706,760,016,646)

9,205,394

XIV Lqi ich ciia cS thing thieu so 22

XV Lai co* ban tren co phieu 23

099,162,481,616 519,520,393,465

579,642,088,152

45,597,638,282 17,144,718,762

28,452,919,520 18,063,474,196

(3,148,245,175)

1,270,465,951 278,039,105

992,426,846 775,158,200 303,723,967,427 321,053,854,312 24,629,931,773 296,423,922,539

73,912,191,085

73,912,191,085 222,511,731,454

SHB Bdo ego tai chinh him nhAt

Q0 III nam 2012 Min s6: Q-03a Sok: pa,Iners, ilex:blo °cautions

NGAN HANG TMCP SA' Gem - HA NOT

77 Trail Hung Dao - Quart Hoan Kim - Ha Nai

Tel: 04.39423388 Fax: 04.39410942

TD - BAO CAO LUt CHUYEN TIEN PPTT - QUY

DVT: VND

I LU15 CHUYEN TIEN Tir HOAT DQNG KINH DOANH

1 Thu nhap lai va cac khoan thu nhap ttrung tu nhan &me 01 10,774,676,368,707 3,779,756,223,311

2 Chi phi lai va cac chi phi tucmg tu da tra 02 (10,670,980,176,475) (4,211,197,235,744)

3 Thu nhap tir hoat dOng dich vu nhan &roc 03 120,980,071,954 90,678,643,763

4 Chenh lSch so teen thuc thu/thuc chi ter hoat dOng kinh doanh Chung 04

6 Tien thu cac khoan no dA ducre xu 1Y xod, bir dap bang ngu6n do 06

7 TiSn chi tra cho nhan vien va boat dOng quan ly, cong vu (*) 07 (1,567,483,372,836) (761,830,757,502)

8 Tien thus thu nhap thuc n6p trong ky (*) 08 (298,221,285,634) (218,853,906,844)

Urn chuyen tien thuAn ter hoat dOng kinh doanh trvac nhirng 09

thay tai san va von hru Ong (1,508,641,433,233) (1,263,622,184,904)

Nhfrng thay doi ve tai san hogt dgng

9 (Tang)/Giam cac khoan teen, yang giti va cho vay cac TCTD khac 10 (17,532,056,881,197) (191,260,000,007)

10 (Tang)/Giam the khoan ve kinh doanh chimg khoan 11 (4,839,099,147,944) (3,286,895,237,388)

1 (Tang)/Giam the cong co tai chinh phai sinh va cac tai san tai chinh 12

(Tang)/Giam the khoan cho vay khach hang 13 (17,920,404,129,323) (3,891,678,137,914)

3 (TAng)/Giam ngu6n do phong de bn dap ton that cac khoan (tin 14

dung, chimg khoan, du tu ddi han)

14 (Tang)/Giam khac ve tai san boat d6ng 15 (4,218,495,107,676) (501,009,516,781)

Nhfrng thay doi ve cong ng' hogt &Ong

15 Tang/(Giam) the khoan no Chinh phi' va NHNN 16 (1,384,953,736,805) 1,027,168,228,878

16 Tang/(Giam) cac khoan tien giri, tien vay cac TCTD 17 5,213,966,937,795 8,204,809,896,659

17 Tang/(Giam) tien geri dm khach hang (bao Om ca KBNN) 18 30,499,398,034,475 6,977,254,693,370

18 Tang/(Giam) phut hanh giAy to co gia (ngoai frit giAy ter co gid phat 19

hanh dirgc tinh vao hoat Ong tai chinh) (6,936,315,092,578) 1,181,740,488,542

19 Tdng/(Giam) von tai trq, uy thac dau tu, cho vay ma TCTD chiu nii 20

ngay 20 thcing 10 plain 2012

III LUU CHUYEN TIEN Ttr HO“ DC/NG TAI CHNH

Tien thu tir phat hanh giAy t& c6 gia dai hart co da dieu kien tinh vao 36

2

ti,r c6 va cac khoan von vay dai han khac

3 Tian chi thanh town gidy t6 eb gid dai han c6 dit diau kiln tinh vao 37 L

von tkr c6 va cac khoan von vay dai han khac

4 CO Me tra cho co don& lori nhuanda chia (*) 38

5 Tian chi ra mua co phi6u ngdn guy (*) 39

6 Tian thu duce do ban co phieu ngfin quSr" 40

Lim chuyen tan thuAn tir hoot dung tai chinh 41

IV Ltru chuyen tan thuAn trong ky 42

V Tien va cac khoin trong throng tien tai thei diem dAu ky 43

VI Dieu chinh anh Inthng ciia thay diti ty gia 44

VII Tien va cac khan ttrtrng throng tien tai thOi diem cuOi ky 45

4,053,744,930,000

(248,063,192,315)

3,805,681,737,685 (14,635,079,873,358) 20,213,490,554,419

5,578,410,681,061

1,318,276,400,000

(179,385,600,000) (220,193,050,420)

-

0 918,697,749,580 7,846,924,266,386 9,502,069,783,250 17,348,994,049,636

Lap bieu Ke tofin trtrerng4/

Nguyen

392/1/(

Thi Ng9c Oanh Ninh Thi Lan Phwang

THUYET MINH BAO CAO

Cho Qiiy III nam 2012

1$1 SHB Soiki wevreers

Ngfin hang TMCP Ski Gen — Hi Nqi

THUYET MINH BAO CAO TA! CHINH KIP NHAT

QUY III 2012

1 Thong tin ve ngfin hang

0041-NH/GP ngay 13 thang 11 nam 1993 Giay phdp hog dOng do Ngan hang Nha nuot Viet Nam cap Thad han hog deng cua Ngan hang la 40 nam ice tiz ngay cap giay phep dau tien

Giiy phep hoat do, ng

HOi tiling Quin tri

Ong De Quang Hien

Ong Nguy& Van Le

Ong Tran Ngoc Linh

Ong Pham Wing Thai

Ong Pham Noe Tuan

Ba Dam Noe Bich

Ong Le Quang Thung

Ban kiem suit

Ong Pham Hoa Binh

Ong Nguyen Hitu Disc

Ba Hoang Thi Minh

Ong Bui Thanh Tam

Ban TOng Giim dOc

Ong Nguyen Van Le

Ong Ding Trung Wing

Ong Bill Tin Nghi

Ong Le Ding Khoa

Pham Van Thang

Ng6 Thu Ha

Ninh Thi Lan Phuong

Bui Thi Mai

Chu tich

Uy vien iJy vien LTy vien

Uy vien

Uy vien Thanh vien dee lap

Thanh vien Thanh vien Thanh vien Thanh vien

Tong Giam dee Ph6 reng Giam dee Pho Tong Giam dee Pho Tong Giam dee Pho Tong Giam dee Pho Tong Giam dee

Giam Pho Tong Giam doc kiem Ice toan tru6ng Pho Tong Giam dee

Tai be nhiem ngay 05 thang 5 nam 2012 Tai be nhiem ngay 05 thang 5 nam 2012 Tai be nhiem ngay 05 thang 5 nam 2012 B6 nhiem ngay 05 thang 5 nam 2012 B6 nhiem ngay 05 thang 05 nam 2012

Bo nhiem ngay 05 thang 05 nam 2012 B6 nhiem ngay 05 thang 05 nam 2012

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

Tai be nhiem ngay 21 thang 5 nam 2010 B6 nhiem ngay 01 thang 9 nam 2006 B6 nhiem ngay 05 thang 6 nam 2007 B6 nhiem ngay 10 thang 4 nam 2009 B6 nhiem ngay 01 thang 11 nam 2010 B6 nhiem ngay 15 thang 3 nam 2011 B6 nhiem ngay 08 thang 06 nam 2012 B6 nhiem ngay 15 thang 9 nam 2012

2 fa'c diem hoat Ong cua to chiic tin dung

Ngan hang Thuang mai Co phan Sai Gen-Ha NOi (du6i day goi tat la "Ngan hang") la met ngan hang thucmg mai co phan Viet Nam thanh lap tai nuOt COng hoa Xa hOi Chu nghia Viet Nam

SHB

Nha nude Viet Nam Ngay 28/08/2012 Ngan hang TMCP Nha Ha Nei (Ten vi& tat: HBB) chinh thirc sap nhap vao Ngan hang TMCP Sai Gen — Ha Nei ( Ten viet tat : SHB) theo QD 1559/QD — NHNN, vi vay s6 lieu thuyet minh cho ky nay la s6 lieu hop nhat SHB, HBB, va 2 cong ty con , s6

lieu thuyet minh cho ky truac la s6 lieu cua SHB va AMC

Yen dieu le dm Ngan hang tai ngay 30/09/2012 la 8,865,795,470,000 deng (Tam nghin tam tram sau lam ty bay tram chin lam trieu ben tram bay muoi nghin deng)

Hei se chinh cua Ngan hang dSt tai S6 77 - Trail Hung Dao - Q.Hoan Kim - Ha Nei - Viet Nam Tai ngay 30/09/2012, Ngan hang c6 4949 nhan vien (Dau nam 2012: 2840 nhan vien)

Chun muc va the di) ke than ap dung

Ngan hang trinh bay cac bao cao tai chinh bang deng Viet Nam (VND) theo Lust cac T6 elide Tin dung, Luat sira d6i va be sung met se dieu trong Luat cac T6 chirc Tin dung, cac chuan muc ke toan Viet Nam va He thong Ke toan cac to chirc tin dung Viet Nam

Ky bao cao va don vi tien to

Ky bao cab cua Ngan hang bat dau tit ngay 01/07/2012 va ket thiic vao ngay 30/09/2012 Don vi tin te sir dung trong ghi die') ke toan la deng Viet Nam (VND)

Theo N thong ke toan cua Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang dugc hach toan theo nguyen te Tai th6i diem cuei nam, tai san va cong ng co nguen gee ngo41 te dugc quy dei sang VND theo ty gia quy dinh vao ngay lap bang can d6i k'6 toan Cac khoan thu nhap va chi phi bang ngoai te cua Ngan hang dugc h4ch toan bang VND theo ty gia vao ngay phat sinh thong qua giao dich mua ban ngoai te Chenh lech ty gia do danh gia 14i cac tai khoan kinh doanh ngoai te dugc hach toan vao bao cao Ket qua Hoat Ong Kinh doanh va lgi nhuan d 14i Chenh

lech ty gia phat sinh do quy d6i cac tai san va cong ng khac bang ngoai te sang VND dugc xu ly

vao doanh se cua cac khoan muc tuong irng tren bang can d6i ke toan vao ngay lap bao cao tai chinh

Chirng khoan ng gift den ngay dao han la cac chirng khoan c6 ky han co dinh va cac khoan

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Ngfin hang TMCP Shi Gan — Ha NOi

Chtimg khoan dau tu san sang de ban la cac chimg khoan dugc gift trong th&i gian khong an dinh truck, c6 the dugc ban de dap Ung nhu cau thanh khoan hoc de img pho vii trung h9p thay d6i lai suit, ti gia, hoac gia tri chimg khoan Ngan hang dang ghi nhen cac chimg khoan nay theo gia g6c cong lai du thu trir lai chi phan b6 Gia tri phu trOi hoc chi& khau (neu co) cling dugc phan anh vao gia tri ghi s6 cua khoan dau tu Lai dugc du thu hoc phan b6 theo phucmg phap du&ng thing Cac chirng khoan nay dugc danh gia dinh kST theo gia tri thi twang va du phong giam gia tri se dugc lap khi gia tri thi truong nho han gia tri ghi s6 Du phong giam gia dugc ghi then vao bao cao ket qua hoat dOng kinh doanh

Chimg khoan kith doanh la chimg khoan ban dau dugc mua va nam gift cho muc dich kith doanh trong ngin han hoc lieu Ban T6ng Giam d6c guy& dinh nhu vay Ngan hang dang ghi nhen cac chimg khoan nay theo gia g6c vao ngay giao dich Trong cac IcST tiep theo, cac chimg khoan tiep tuc dugc ghi than theo gia g6c Tuy nhien, gia tri thi truing cua cac chimg khoan van dugc Ngan hang theo dOi de danh gia ve kha nang giam gia khi gia tri thi truing thap hot gia g6c Ngoai trir truOng h9p khong the xac dinh gia tri thi truOng melt ca.& chic chin thi gia tri cua chimg dugc tinh

Oa teen nguyen gia sau khi trix di din that uOc tinh (neu co) Lai hoc to tir kinh doanh chimg

khoan dugc ghi than teen bao cap ket qua hoat dung kith doanh theo s6 thuan

Cac khoan cho vay ngan han c6 ky han duoi 1 nam; cac khoan cho vay va cho thue tai chinh trung han c6 kST han tir 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han c6 kST han teen 5 nam ke tix ngay giai ngan

Viec phan loci ng va lap du phong rui ro tin dung dugc thuc hien theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thing 4 nam 2005 va Quyet dinh s6 18/2007/QD-NHNN ngay 25 thing 4 nam 2007 dm Th6ng d6c Ngan hang Nha nuo.c Viet Nam Cac khoan cho vay dugc phan thanh nam thorn ng can cir vao tinh hinh tra ng va cac yell to dinh tinh nhu sau:

Nhom I: Na chi tieu chudn

• Cac khoan ng trong han ma Ngan hang danh gia la co du kha nang thu 116i day du ca g6c va lai dimg thoi han;

• Cac khoan ng qua han dual 10 ngay va Ngan hang danh gia la co kha Wang thu h6i day dii gkic va lai bi qua han va thu 116i day du geic va lai dung thai han con lai;

Nhom 2: Ng can chi oi

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

SHB

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Ngfin hang TMCP Sai Gen — HA NOi

• Cac khan no co cL lai than han tra no trong han theo th6i han duoc co clau

Nhom 3: Ni chthi tieu chudn

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

• Cac khoan no co clau lai thai han tra no lan dau, trir cac khan no dieu chinh kST han tra

no lAn Mu phan loai vao nhom 2;

• Cac khoan no duoc mien ho4c giam lai do khach hang kheng du kha nang tra lai day du theo hop dong tin dung;

Nh6m 4: Ncr nghi ngo

• Cac khoan no qua han tir 181 an 360 ngay;

• Cac khoan no co cL lai thiyi han tra no ILI au qua han duoi 90 ngay theo thoi han tra no dugc co cAu lai fan dau;

• Cac khoan no co cAu lai thOri han tra no lAn thir hai;

Nh6m 5: Na có kha nang mat van

• Cac khan no qua han ten 360 ngay;

• Cac khoan no co can lai thai han tra no fan au qua han tir 90 ngay tra len theo th6i han tra ng duoc co cL fan lan au;

• Cac khoan no co cL lai thai han tra no ran th* hai qua han theo thai han tra no dugc co eau lai lan thir hai;

• Cac khoan no co cL lai thin han tra no lan thir ba ter len, ice ca chua bi qua han hoac da qua han;

• Cac khan no khoanh, no chef xir VT;

Theo Quyet dinh se 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh se 18/2007/QD-NHNN ngay 25 thang 4 nam 2007, dei von cac khoan no qua han, to chirc tin dung phan loai lai vao nhom no c6 run ro thap han khi Ngan hang danh gia la co dir kha nang thu hoi day

du ca gec va va khach hang co tai lieu, he so chimg minh cac nguyen nhan lam khan no nay

Tai san co dinh dugc the hien theo nguyen gia trir di khAu hao luy ke Nguyen gia bao gem toan be cac chi phi ma Ngan hang phai bO ra de có dugc tai san co dinh tinh den thai diem dua tai san do vao tang thai sari sang sir dung Tai san c6 dinh dugc tinh khdu hao theo phuong phap du?mg thAng de trir dAn nguyen gia tai san trong suet thoi gian hun dung uoc tinh nhu sau:

- Nha cira, vat hen tritc 10 - 25 nam

- May moc, thiet bi 03 - 05 nam

- Phuong tien van tai 06- 10 nam

- Dung cu quan VT va phAn mem tin hoc 03 - 08 nam

Quyen sir dung dAt dugc khdu hao theo phucmg phap dung thAng phi' hop voi Gidy chimg nhan quyen sir dung Mt Quyen sir dung dAt ye th&i han dugc ghi nhan theo gia gec va khong tinh khAu hao

10 Tien va cac khofin twang throng tien

Tien va cac khoan tucmg duang tien bao gem tien mat, yang, da qty, tien gui thanh toan tai NHNN, tin phieu Chinh phis va cac gidy ter co gia ngOn han dieu kien chit khdu voi NHNN, cac khoan tien giri thanh toan va tien giri, cho vay tai cac to chirc tin dung khac cif) thai han dao han khong qua 3 thang ke tir ngay giri

11 Cfic cong cu tai chinh phfii sinh

Cac cong cu tai chinh phai sinh dugc ghi than tren bang can del ke toan theo gia tri hop deng vao ngay giao dich, va sau do dugc danh gia lai theo gia tri hgp 1ST Loi nhuan hoac to khi cac cong

cu tai chinh phai sinh dugc thuc hien dugc ghi nhan trong bao cao ket qua heat deng kinh doanh

Lgi nhuan hoac 16 chua thuc hien dugc ghi nhan vao khoan mix chenh Lech danh gia lai cac cong

cu tai chinh phai sinh ten bang can cti ke toan va dugc ket chuyen vao ket qua hoat &ling kinh doanh vao thoi diem cuei nam

141 SHB $o in, vanovt,

Ngfin hang TMCP Ski Gen — HA Ni)i

12 Ghi nh4n thu nh4p/ chi phi lai

Ngan hang ghi nh4n thu nh4p tir lai va chi phi raj tren bao cap ket qua hot dOng kinh doanh teen ca soy du thu, du chi

13 Ghi nh4n thu nh4p tir phi va hoa hOng dich vu

Ngan hang thu phi tir cac dich vu cung cap cho khach hang Thu nh4p tir phi c6 the chia thanh cac nhom sau:

• Phi thu tie viec cung cap dick vy trong mOt thai gian nhat clink Phi thu tir viec

cung cap dich vu trong mOt thin gian nhAt dinh dugc du thu trong sutit thoi gian do Phi nay bao g6m phi quan 1ST, phi than fly thac, hoa h6ng va cac phi lien quan den cap tin dung, quan 1.ST tai san, phi quan 1ST danh muc va cac chi phi quail 1ST ding nhu phi to van khac

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

gia dam phan cac giao dich cho mOt ben thir ba, vi du nhu dan xep viec mua c6 phAn holac cac loaf chirng khoan khac hoc mua 14i doanh nghiep , dugc ghi nh6ri khi hoan tAt giao dich lien quan Phi hoc mot phAn cua khoan phi nay c6 lien quan den viec thuc hien mot ding viec nhAt dinh se dugc ghi nh4n khi hoan tAt dieu kien tucmg irng

S HB

r:Art,a1, ,A,MiesilS

Ngfin hang TMCP Sai Gan — Ha NQ"i

14 Thong tin bao cao bo ph4n

- Thong tin bac, cao bO ph4n theo linh vyc kinh doanh:

Kinh doanh va huy clang von Dich vu Tang c5ng

Cho giai dogn tir ngay 1 thong 07 d'An ngay 30 thong 9 dam 2012

Tgi ngay 30 thong 09 nam 2012

50,162,168,167,157 18,962,940,430,557 29,833,981,686,264 4,826,283,967,168 103,785,374,251,146 TOng tai san

1 Ng phai tra b() phan

(999,635,644,089) (10,589,122,304) (93,425,281,028,913) (1,023,412,773,020) (95,458,918,568,326) 'Ding cong my

•

ill SHB

SOX, beflnets, flexible isolvtibbs

Ngfin hang TMCP Ski Gen — Ha Nei

Lai/ 16 thuAn tix hoat dOng dich vu 1,663,379,655 14,090,334,169 614,207,391 8,654,567,666 25,022,488,881

Lai/ 16 thuAn tix mua ban chi:mg khoan kinh doanh 6,865,864,787 6,865,864,787

Lau 16 thuAn tu, hoat dOng kinh doanh ngoai h6i 84,508,600 1,515,561,182 38,178,923 3,828,554,231 5,466,802,936

Lai/16 thuAn biy mua ban ch0'ng khaki dAu (5,391,549,613) (5,391,549,613)

Lai nhuen thuan tir hoat Ong kinh doanh trwerc

SHB

Solid pe:Iner, sOisat,N,

Ngfin hang TMCP Shi Gen — HA NOi

15 Tien mat, yang buc, clá 414

31/12/2011 VND Tien giri thanh town tai Ngan hang Nha nuac 1,666,848,123,213 35,111,525,637 Ti61 gui phong toa (n6u co)

Ti6'n giri khac

SHB

Sot i4pwinerIc lemAr o sotot,,o

NgAn hang TMCP Shi Gen — Hh NOi

18 ChIrng khofin kinh doanh

30/09/2012 31/12/2011 VND VND

- Chung khoan Chinh phu 122,303,000,000

- Chirng khoan Ng do cac TCTD khac trong nuac

- Chirng khoan V6n ntrot ngoai

Chung khan kinh doanh khcic

Du ',hang giam gia chieng khocin kinh doanh (31,985,454,745) (18,361,121,268)

48,560,556,880 36,165,293,695

SHB

p.:Inort nerteAN

Ngfin hang TMCP Shi Gen — Ha NOi

Thuyet minh ye tinh tr3ng niem yet cua cac chfrng khofin kinh doanh

30/09/2012 VND

31/12/2011 VND

- Da niem yet

- Chua niem yet 122,303,000,000

- Da niem yet 48,560,556,880 36,165,293,695

- Chua niem ye't

Chung khodn kinh doanh khdc:

- Da niem yet

- Chin niem yet

19 Cac tong cu tai chinh phai sinh va cfic tai sin tai chinh khac

Tdng gia tri clic: hop ddng (theo gia ngay

Tdng gia tri ghi sd ke toan (theo gici tai ngay lap bcio cao) hieu lyv hop ddng) Tai scin Cong no

Tai nghy 30 thing 09nam 2012

COng cu TC phdi sinh tMn tg 1,320,746,482,210 2,434,936,718

Tai nghy 31 thing 12 nam 2011

Ong cu TC phdi sinh 398,483,360,912 4,035,834,699

611SHB 071, 1(V31"

Ngfin hang TMCP Sai Gen — Ha NOi

20 Cho vay khach hang

30/09/2012 VND

31/12/2011 VND

Cho vay cac t6 chirc kinh t6, ca nhan trong nuac 46,249,131,595,481 28,923,417,441,804

Cho vay chit khau thucmg phi6u va cac giAy to có

gia

257,807,906,909 22,168,473,454

Cho thue tai chinh

Cac khoan tra thay khach hang 283,841,675 2,270,922,114 Cho vay hang von tai trg, ity thac d'au to 79,781,322,716 10,718,810,674

Cho vay d61 van cac to chirc, ca nhan nuerc ngoai 474,632,700,416

Cho vay khac 20,617,402,031 203,274,991,859

Ng cho vay dugc khoanh va ng ch6 )(UV/

20.1 Phfin tich chat lining nq cho vay

30/09/2012 31/12/2011 VND VND

Ng &X fiat' chuan 33,785,860,180,824 27,416,800,255,517

111 SHB Sow, pwinor rles:No

Ngan hang TMCP Ski Gen — HA Ni5i

20.3 Phan tich du nq cho vay then doi tuvng khich hang va loai hinh doanh nghqp

Cho vay cdc TCKT

Doanh nghi0 Nha nuac thing ucmg

Doanh nghi0 Nha ntrac dia phucmg

Cong ty TNHH Nha mac

Cong ty TNHH to nhan

Cong ty co plan Nha nuac

C6ng ty c6 plan klac

Cong ty hop danh

Doanh nghie;p to nhan

Doanh nghi0 co von d'au to ntrac ngoai

Kinh t6 tap th6

Cho vay cei nhlin

Cho vay kheic

47,082,255 100.00 29,161,850 100.00

SHB

Se.1 pkvInOrs 10,?>60 eioe,NM

Ngfin hang TMCP Sai Gen - Ha N'di

20.4 Phan tich du nq cho vay theo nginh kinh to

30/09/2012 triOu VND %

31/12/2011 triO VND

San xuAt va phan ph6i dien, khi d6t, nuac

Cung cap mac; hog dOng quan ly va xir ly

Hog dOng chuyen mon, khoa h9c va cong

Hoat dOng oh Dang Gang san, t6 chuc chinh

Hoat d6ng lam thue cac cong viec trong cac

h6 gia dinh, san xuAt san phalli vat chat va

dich vu to tieu &mg dm ho gia dlnh

29,161,850 100.00

Ifs SHB

So id :x.:tlers.114,!*$

Ngfin hang TMCP Sai Gen — HA NOi

Dv phong rui ro trich10 trong k'/ (Hoan nh4p d‘r

ph6ng trong kST)

Dv phong giam do xir' 1ST cac khoan ng kho thuhbi

bang ngutm dtr phOng

Dieu chinh tang/ (giam) khac

SO du cuOi ky

la truck

SO du dau 14

Du phOng rui ro trich lap trong kST/ (Hoan nh'Op du

phong trong Icy)

Du phong giam do xir 1ST cac khoan not kho thu hoi

bang nguon du phong

22 Chting khoin dAu to

22.1 Chung khoin dAu to san sang de bin

SHB

3014

Ngfin hang TMCP Sai Gan — HA N(ii

30/09/2012 VND

31/12/2011 VND

Chung khoan Chinh phii

Ching khoan Nq do cac TCTD khac trong nuac

phat hanh

Chung khoan Nq do cac TCKT trong nuac phat

hanh

Chang khodn Von

Chung khoan V6n do cac TCTD khac trong

nuac phat hanh

Ching khoan Vein do cac TCKT trong nuac phat

hanh

Dg phang giant gid chtkng khodn scin sang di

ban

4,795,610,848,456 375,987,577,267 2,691,441,442,180

48,023,903,579

11,688,790,000 36,335,113,579

(111,945,544,649)

12,480,528,533,537

950,000,000,000 8,430,105,806,501 3,100,422,727,036

20,711,620,000

11,688,790,000 9,022,830,000

(14,685,653,800)

22.2 Cluing khoin clan tw gifir den ngay dao h#n

30/09/2012 VND

31/12/2011 VND Ching khoan Chinh phu

Ching khoan Ng do cac TCTD khac trong nuac

phat hanh

- Ching khoan Nq do cac to chirc kinh to trong

nuOc phat hanh

- Ching khoan Ng nu& ngoai

Du phOng giam gia chimg khoan du tu gift an

ngay dao hail

1,798,945,565,435 2,842,420,000,000 1,075,786,188,932

(3,880,059,816)

1,000,000,000,000 1,610,840,000,000