ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 1 năm 2014 td bảng cân đối kế toán

Tom tat cac chinh sach ke than chit yeu Chuin mire va cite dO ke toan dp dung Ngan hang trinh bay cac bao cao tai chinh bang d'ong Viet Nam VND theo Lug cac TO eh& Tin dung, Lug sfra d

SHB

Solid sofution,

NGAN HANG THCONG MAI CO PHAN SAI Gem - HA NOI

77 'Fran Hung Dao - Quart Hoen Kim - Ha NOi

Tel: 04.39423388 Fax: 04.39410942

Bao cao tai chinh rieng le Quy I nAm 2014 MAu Q-Ola

TD - BANG CAN DOI Kt TOAN

Heti minh So cuoi ky

Dan vi tinh: VND

SO du nAm

A TAI SAN

HI Tien, vitng gfri tai cac TCTD khac va cho vay cac TCTD khac 130 17 11,349,783,167,135 30,236,333,422,001

3 Dkr phong rtii ro cho vay cac TCTD khac 139

2 Du phOng giam gia chimg khoan kinh doanh 149

V Cac cong c4 tai chinh phai sinh va cac tai san tai chinh khac 150 18 6,715,301,827

Chi tieu

B NQ PHAI TRA VA VON CH(1 SO HUU

I Clic khan ny• Chinh phu vi NHNN

II Tien gin va vay cua cac TCTD kink

1 Tien girl cua cac TCTD khac

2 Vay cac TCTD khac

III Tien giri cda khach hang

IV Cac ding cy tai chinh phai sinh va cac khoan ny• tai chinh khac

✓ Vin tai try., uy thac clan tu, cho vay ma TCTD phai chju rui ro

VI Phat hanh giAy t?r co gia

VII Clic khan Ny khac

1 Cac khoan lai, phi phai tra

2 Thue TNDN hoan 1ai phai tra

3 Cac khoan phai tra va cong ncy khac

4 Du phOng rui ro khac

TOng Ny phai tra

VIII Von va cac guy

1 Von cua TCTD

a Van didu

b Van dclu tuXDCB

c Thing du- win ca phdn

d Co phau guy

e Co phiiu uu cic7i

g Van Mac

2 Qu5/' cua TCTD

3 Chenh tech ty gia hOi dodi

4 Chenh tech danh gia lai tai san

5 Lgi nhuan chua phan phi

VIII Lyi ich cua co do ting thieu s6

NG TONG Nci PHAI TRA VA VON CHU SO 111fU

THUG CAC CHI TIEU NGOAI BANG

sit GC, Nghia vy ncrtiem An

Bao lanh vay von

2 Cam kel trong nghiep vu L/C

3 Bao lanh khac

Lap bieu Re Toan Triro'ng/44/4/

Ngdy thing nam 2014

Wing Clam DOc

eirgetyLi Van cre4

Nguyin Thay Trang

Ma chi Thuyet tieu minh SO cuOi ky SO dau nam

Ke tan Truieng/44,,, Lap bieu

ay thong nam 2014

ng Giam dOc

M SHB Solid partners, flexible sobeions

NGAN HANG TMCP SAI GON - HA NOI

77 Tran Hung Dao - Quan Hoan Kidm - Ha Nei

Tel: 04.39423388 Fax: 04.39410942

Bao coo tai chinh rieng le Quy I nim 2014 MAu so: Q-02a

TD - BAO CAO KET QUA HOAT DONG KINH DOANH - QU).(

Dan vi tinh: VND

Lup ke tir dAu nAm den cut:4 QuY I

NAm 2014 NAm 2013 NAm 2014 Nam 2013

1

2

Thu nhap tir lai va cac khoan thu nhap tuong to

Chi phi lai va cac chi phi tuang to lai

2,458,172,172,395 2,027,671,659,935

2,258,982,886,332 1,906,888,449,493

2,458,172,172,395 2,027,671,659,935

I Thu nhap Ili thuAn 03 352,094,436,839 430,500,512,460 352,094,436,839 430,500,512,460

II Lai/IA than tir hoyt dang dich vy 06 34 19,152,450,527 28,289,880,244 19,152,450,527 28,289,880,244

III Lai/IA thuAn tir hoyt dang kinh doanh ngoyi hOi 07 35 5,009,688,259 57,987,275,692 5,009,688,259 57,987,275,692

IV Lai/IA than tir mua ban cluing khoin kinh doanh 08 (1,909,400,000) (4,321,828,860) (1,909,400,000) (4,321,828,860)

V LAVIA than to mua ban chiing khoin dau tir 09 44,030,475,503 996,731,329 44,030,475,503 996,731,329

VI Lai/IA thuAn tir hot ding khic 12 7,746,424,990 5,519,883,614 7,746,424,990 5,519,883,614

VII Thu nhap tie Op von, mua co phAn 13 36 65,408,000 220,837,200 65,408,000 220,837,200

VIII Chi phi hoyt Tang 14 37 370,596,119,483 442,671,088,531 370,596,119,483 442,671,088,531

IX Ltd nhuan than tie hoyt clang kinh doanh tr►&

chi phi che [bong riii ro tin ding 15 55,593,364,635 76,522,203,148 55,593,364,635 76,522,203,148

X Chi phi dv phong riii ro tin d9ng 16 (215,933,787,275) (141,208,829,718) (215,933,787,275) (141,208,829,718)

XI TAng lvi nhuan trithc thud 17 271,527,151,910 217,731,032,866 271,527,151,910 217,731,032,866

XII Chi phi thud TNDN tam tinh 20 58,967,560,015 54,594,435,012 58,967,560,015 54,594,435,012

XIII Lvi nhuan sau thud 21 212,559,591,895 163,136,597,854 212,559,591,895 163,136,597,854

XIV Lvi ich cua cA (long thieu so 22

XV Lai ca ban teen co phieu 23

SHB

Solid baboors, flexible aokitions

NGAN HANG TMCP SAI Of" - HA NQI

77 Trait Hung Dao - Quan Hoan Kiem - Ha INI0i

Tel: 04.39423388 Fax: 04.39410942

BA° esio tai chinh rieng1e Quy I nag 2014 mAu so: Q-03a

TD - BAO CAO LIXU CHUYEN TIEN TE - PPTT - QUY

MA chi

DVT: VND

ThuyCt LOy ke fir din narn den cuiii guy I Chi tied

I LUU CHUYEN TIEN Tif HOAT DQNG KINH DOANH

1 Thu nhap Ili va cac khoan thu nhap Wang to nhan &roc 01

2 Chi phi Ill va cac chi phi Wang to oil tra 02

3 Thu nhap tir hog dOng dich vo nhan duqc 03

Chenh tech so tien that thu/thuc chi tir hoat dOng kinh doanh 04

4

chimg khoan, yang bac, ngoai te

Tien thu cac khoan no cla duoc xir ly xoa, bd dap bang nguOn du

phOng rill ro

7 Tien chi tra cho nhan vien va hoat dOng quail ly, tong vo (*) 07

8 Tien thue thu nhap that n6p trong ky (*) 08

Lim chuyin tien than tir hoot dOng kinh doanh trtrOrc nhErng 09

thay cliii ye thi san va von Iva dOng

Nhftng thay ai 4 tai san hogt dOng

9 (Tang)/Giarn cac khoan tien, yang yri va cho vay cac TCTD khac 10

10 (Tang)/Giam cac khoan ve kinh doanh chimg khoan 11

11 (Tang)/Giam cad cong co tai chinh phai sinh va cac tai san tai 12

chinh khac

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

(Tang)/Giam ngtuin do phOng de bd dap ton that cac khodn (tin 14

13

(long, chimg khoan, dau tu dai han)

14 (Tang)/Giam khac N,6 tai san hoat dOng 15

Nhaitg thay 661 4 cong no hoot dOng

15 Tang/(Giam) cac khoan no Chinh phd va NF-INN 16

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

17 Tang/(Giam) tien gin dm khach hang (bao vim ca KBNN) 18

Tang/(Giam) O at hanh giay to CO c6 gia (ngoai trir giay to co c6 gia phat 9

18

hanh &roc tinh vao hoat dOng tai chinh)

Tang/(Giam) On tai trq, us, that dau ttr, cho vay ma TCTD chiu lid

21 Tang/(Giam) khac ye cong no hoat dOng 22

Lull chuyin tien than tir hoot dOng kinh doanh 24

II LUU CHUYEN TIEN Tif HOAT DQNG DAU TU

2 Tien thu tir thanh ly, nhtrong ban TSCD 26

3 Tien chi Or thanh ly, nhtrong ban TSCD (*) 27

5 Tien thu tir ban, thanh 13% bat dOng sari dau tu 29

6 Tien chi ra do ban, thanh 1Y bat Ong san dau tu (*) 30

7 Tien chi dau tu, Op On vao cac don vi khac 31

8 Tien thu dau Or, g6p win vao cac don vi khac 32

9 Tien thu co tdc va lqi nhuan &roc chia Or cac khoan dau ttr, gOp 33

On dai han

Lyn chuyin tien thuAn tu hoot dOng din ttr 34

III LUU CHUYEN TIEN Tif HOAT DQNG TAI CHINH

2,000,243,540,448 (1,675,326,894,817) 19,152,450,527 45,783,131,862 7,516,873,802 220,051,166 (341,999,818,367) (70,862,648,943) (15,273,314,322)

11,019,727,000,000 2,905,730,691,877 (6,715,301,827) (5,706,425,577,358) (12,273,064,334) (687,521,676,277)

-(1,616,303,776,312) (17,504,586,776,304) 7,405,413,920,465 (4,552,369,023,000)

17,019,145,901

(6,271,815,107) 101,679,475,477

- (8,658,170,091,121)

(20,585,113,876) 9,500,022

-

- 21,202,000,000 65,408,000 691,794,146

2,145,672,194,312 (2,618,311,242,955) 28,289,880,244 53,617,201,261 5,284,570,533 130,334,320 (416,326,272,796) (211,802,431) (801,855,137,512)

10,586,643,197,893 2,047,149,582,501 (34,316,754,899) 2,017,010,244,011

(122,604,338,284)

(10,501,479,846,992) 831,209,910,562 (2,198,705,812,072)

38,153,593,980

- (979,961,420,070)

- 881,243,219,118

(29,733,678,266)

260,482

220,837,200 (29,512,580,584)

1

nai, ngay thcing nam 2014

Sil Gati•HA NOI

1 0y ke ter (Ian nam den cuoi qus' I

1 Tang von co phan tir gOp von vaThoac Oat hanh co phieu 35

2 Tien thu tir phat hanh giay to c6 gia dai han c6 du dieu kien tinh 36

vao von ttr c6 va cac khoan von vay dai han khac

Tien chi thanh town gia'y t6 CO gia dai han cO dieu kien tinh vao

von tu c6 vi cac khoan von vay dai han khac

5 Tien chi ra mua co phieu ngan guy (*) 39

6 Tien thu dtrcrc do bin co phieu ngan quy 40

Lyn chuyin teen than tfr hopt d6ng tai chinh 41 (267,676,750) (294,988,100)

IV Liru chuyen tien than trong ky - 42 (8,657,745,973,725) 851,435,650,434

V Tien vi cac khan tirang diromg den tai th?ri diem (16114 43 16,150,782,893,744 11,665,810,449,716

VI Dieu chinh anh hiromg cua thay d6i t gia 44

VII Tien vi cac khan twang dirang tien tai thtri diem cuoi kY 45 7,493,036,920,019 12,517,246,100,150

THUYET MINH BAO CAO TAI CHINH RIENG LE

Cho Qui I nam 2014

M SHB CicARY (few so1,11on,

Ngfin hang TMCP Sai Gen — Ha NOi

THUYET MINH BAO CAO TAI CHINH RIENG LE

QuS, I nam 2014

1 Thong tin ye ngan hang

GiAy phep hoat Ong 0041-NH/GP ngdy 13 thang 11 nam 1993

GiAy phdp hoat dOng do Ngan hang Nha nuoc Viet Nam cap

Thai han hoat dOng cua Ngan hang Id 40 nam ke tir ngdy cap gidy phdp dAu tien

HOi ding Quin tri

Ong DO Quang Hien

Ong Nguyen Van Le

Ong TrAn Ngoc Linh

Ong Pham Hong Thai

Ong Pham Ngoc Tuan

BA Dam Ngoc Bich

Ong Le Quang Thung

Ban ki4m soat

Ong Pham Him Binh

Ong Nguyen Hi-ru Dire

Ba Hoang Thi Minh

Ong Biri Thanh Tam

Ban TOng Giam dOc

Ong Nguyen Van Le

Ong D'a'ng Trung Di-mg

Ong Le Dang Khoa

Nguyen Huy Tai

Uy vien

Uy vien Thanh vien d8c lap

Thanh vien Thanh vien Thanh vien Thanh vien

Tai 1)6 nhiem ngay 5 thang 5 nam 2012 Tai be nhiem ngdy 5 thang 5 nam 2012 Tai 1)6 nhiem ngdy 5 thang 5 nam 2012

136 nhiem ngdy 5 thang 5 nam 2012

136 nhiem ngdy 5 thang 5 /lam 2012 B6 nhiem ngdy 5 thang 5 nam 2012

136 nhiem ngdy 5 thang 5 nam 2012

Tai b6 nhiem ngdy 05 thang 05 nam 2012 Tai b6 nhiem ngdy 05 thang 05 nam 2012

136 nhiem ngdy 05 thang 05 nam 2012 Tai b6 nhiem ngdy 05 thang 5 nam 2012

Tai 1)6 nhiem ngdy 21 thang 5 nam 2010

136 nhiem ngdy 01 thang 9 nam 2006

136 nhiem ngdy 10 thang 4 nam 2009

136 nhiem ngdy 18 thang 02 nam 2013

136 nhiem ngdy 15 thang 3 nam 2011

136 nhiem ngdy 08 thang 06 nam 2012

136 nhiem ngdy 9 thang 10 nam 2012

Tru so' chinh S6 77 - TrAn Hung Dao - Q.Hoan Kim - TP.Ha NOi - V* Nam

SHB

,Aimnor, 11.011,

Ngfin hang TMCP Sai Con — HA NOi

2 Da'c diem hot dOng dm to chtic tin dung

Ngan hang TInrong mai CO phAn Sai GOn - Ha NOi (durgi day goi tat la "Ngan hang") la mot ngan hang thuong mai co phAn Viet Nam thanh lap tai nude COng h6a Xa hOi Chu nghia Viet Nam vdi th6i gian hog dOng la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 cua Ngan hang Nha nude Viet Nam Von dieu le caa Ngan hang tai ngay 31/03/2014 la 8,865,795,470,000 dOng (Tam nghin tam tram sau mai lam ty bay tram chin lam trieu bOn tram bay mai nghin ding) HOi so chinh caa Ngan hang dal tai SO 77 - TrAn Hung Dao - Q.Hoan Kim - Ha Noi - Viet Nam Tai ngay 31/03/2014, Ngan hang c6 4.256 nhan vien (DAu nam 2014: 4.922 nhan vien)

3 Tom tat cac chinh sach ke than chit yeu

Chuin mire va cite dO ke toan dp dung

Ngan hang trinh bay cac bao cao tai chinh bang d'ong Viet Nam (VND) theo Lug cac TO eh& Tin dung, Lug sfra d6i va bO sung mot so dieu trong Luat cac To chirc Tin dung, cac chuAn mire ke toan Viet Nam va He thOng Ke toan cac t6 chirc tin dung Viet Nam

Kjr bao cao vi don vi tien to

KY bao cao cua Ngan hang bat dAu tir ngay 01/01/2014 va ket thfic vao ngay 31/03/2014 Dan

vi tien to sir dung trong ghi chep ke toan la dOng Viet Nam (VND)

4 Nguyen tic ghi nhan cac nghiep vu bing ngoai to vi quy doi

Theo he thong Ice toan cua Ngan hang, fat ca cac nghiep vu phat sinh caa Ngan hang dtrgc hach toan theo nguyen te Tai th6i diem cuOi nam, tai san va cong ng co ngu6n g6c ngoai to dtroc quy d6i sang VND theo ty gia quy dinh vao ngay lap bang can d6i ke toan Cac khoan thu nhap va chi phi bang ngoai to cua Ngan hang dugc hach 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 lai cac tai khoan kinh doanh ngoai te dugc hach toan vao bao cao Ket qua Hoat dOng Kinh doanh va lgi nhuan de lai Chenh lech ty gia phat sinh do quy dOi cac tai san va ding ng khac bang ngoai te sang VND dugc xir ly vao doanh so cua cac khoan muc tuang irng tren bang can d6i ke toan vao ngay lap bao cao tai chinh

5 Chimg khoan diu hr gift den ngiy dao ban

Chirng khoan ng gift den ngay dao han la cac chfing khoan co ky han c6 dinh va cac khoan thanh toan co dinh hoac c6 the xac dinh dugc va Ban TOng Giam d6c coy dinh va co kha Wang gift den ngay dao han Ngan hang dang ghi nhan cac chirng khoan nay theo gia gOc Ong lai dg thu trir lai ch6 phan bo Gia tri phu tri hoac chit khAu (neu c6) ciing dugc phan anh vao gia tri ghi sei cua khoan dAu tit Lai dugc du thu hoac phan 1)6 theo phuang phap &rang thang Chfrng khoan dugc gift den khi dao han se dugc xem xet ve kha Wang giam gia Chung khoan dugc lap dkr phOng giam gia khi gia tri thi trixOng nho han gia tri ghi so Dkr phOng giam gia dugc ghi nhan vao bao cao ket qua hog dOng kinh doanh

2

SHB 111,xible

Ngfin hang TMCP Sal Gen — HA Ni)i

6 Chan khoin dau to san sang d'e' ban

ChUng khoan dAu to san sang de ban la cac chimg khoan dugc giix trong thi gian kh8ng an dinh truac, c6 the dugc ban de dap ling nhu cAu thanh khoan hoac de irng pho vai twang hgp thay d6i lai suAt, ti gia, hoac gia tri chirng khoan Ngan hang dang ghi nhan cac chung khoan nay theo gia g6c cOng lai du thu trir !di cho phan 1)6 Gia tri phu tri hoac chi& khAu (neu co) cling dugc phan anh vao gia tri ghi s6 dia khoan dAu fix Lai dugc du thu hoac phan b6 theo phuang phap duong thang Cac chung khoan nay dugc danh gia dinh kST theo gia tri thi tru6ng va du ph6ng giam gia tri se dugc lap khi gia tri thi twang nh6 hem gia tri ghi s6 Du phong giam gia duvc ghi nhan vao bao cao ket qua hoat dOng kinh doanh

7 Chirng khoan kinh doanh

ChUng khoan kinh doanh la chimg khoan ban dAu dugc mua va nam gift cho muc dich kinh doanh trong ngan han hoac neu Ban T6ng Giam d6c guy& dinh nhu vay Ngan hang dang ghi nhan cac chimg khoan nay theo gia g6c vao ngay giao dich Trong cac kSi tiep theo, cac chimg khoan tiep tuc dugc ghi nhan theo gia g6c Tuy nhien, gia tri thi tru6ng cua cac chUng khoan van dugc Ngan hang theo dOi de danh gia ve kha 'fang giam gia khi gia tri thi truarng thap han gia goc Ngoai trir truong hgp kh6ng the xac dinh gia tri thi twang mot cach chac chan thi gia tri ctla chUng dugc tinh dua teen nguyen gia sau khi frit di ton that trac tinh (neu co) Lai hoac 18 tir kinh doanh chimg khoan dugc ghi nhan tren bao cao ket qua hoat dOng kinh doanh theo s6 thuAn

8 Cac khan cho vay

Cac khoan cho vay ngan han co kSi han duai 1 nam; cac khoan cho vay va cho thue tai chinh trung han co kS, han tir 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han co kST

hp teen 5 nam ke tir 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 thang 4 nam 2005 va Quyet dinh s6 18/2007/Qp-NHNN ngay 25 thang 4 nam 2007 dm Th6ng dcic Ngan hang Nha nude Viet Nam Cac khoan cho vay dugc phan thanh nam nhom ng can cu vao tinh hinh tra ng va cac yeti to dinh tinh nhu sau:

Nhom 1: No dzi tieu chucin

• Cac khoan no trong han ma Ngan hang danh gia la co du kha nang thu h6i dAy du ca g6c va lai dung thi han;

• Cac khoan no qua han duai 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 lai dung th6i han con lai;

Nh6m 2: Na can

101 SHB ,olvt ■or.,

Ngfin hang TMCP Sai Gan — Ha NOi

• Cac khoan ng Ca cL lai thoi han tra no trong han theo thai han dugc co' cAu lai

Nhom 3: Na du 'gi tieu chudn

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

• Cac khoan no' ca cL lai thai han tra ng lAn du, trd cac khoan ng dieu chinh IcS/ han tra

ng lAn dAu phan loaf vao nhOm 2;

• Cac khoan no dugc mien hoc giam lai do khach hang khong du kha nang tra lai dAy di) theo hop &mg tin dung;

Nhom 4: Na nghi ngg

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

• Cac khoan no ca cL lai tiled han tra ng lAn dAu qua han duai 90 ngdy theo tiled han tra no dugc ca cAu lai lan dAu;

• Cac khoan no ca cL lai that han tra no lAn thin hai;

Nhom 5: Na c6 kha ?long mat vein

• Cac khoan ng qua han tren 360 ngay;

• Cac khoan no ca cL lai thai han tra no lan dAu qua han tir 90 ngay tra len theo thOi han tra no dugc ca cAu lai ran dAu;

• Cac khoan no ca cL lai thai han tra no 1L thin hai qua han theo thai han tra no

&roc ca cL lai lan thin hai;

• Cac khoan no ca cau lai thOi han tra ng ran thin ba tra len, ke ca chua bi qua han hoc da qua han;

• Cac khoan no khoanh, no chOr xi1.15/;

Theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh so

18/2007/QD-NHNN ngay 25 thang 4 nam 2007, d6i vhf cac khoan ng qua han, t6 chic tin dung phan loai lai vao nh6m no c6 rdi ro thap han khi Ngan hang danh gia la c6 du kha nang thu h6i dAy

du ca goc va lai; va khach hang c6 tai lieu, h6 sa chirng minh cac nguyen nhan lam khoan no nay qua han dugc xir ly, khac phuc Ngan hang chi) dOng to guy& dinh phan loai cac khoan no vao cac

nhOm ng rdi ro cao han Wang (mg voi mirc dO rui ro khi xay ra mot trong cac truOng hop sau day:

• Khi co nhung dien bien bAt lgi tir tac &ling tieu circ den moi truOng kinh doanh va linh vu.c kinh doanh;

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

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

va chinh xac de Ngan hang danh gia kha nang tra no cda khach hang

Dv phong rui ro tin dung: Viec tinh du phOng cu the dugc can cu tren cac t-S, le ap dung cho

tirng nhOm no nhu sau:

4

5 Ng co kha Wang mat von 100%

9 Tai san cif) dinh

Tai san c6 dinh dugc the hien theo nguyen gia trir di khAu hao luy ke Nguyen gid bao gom toan b0 cac chi phi ma Ngan hang phai b6 ra de CO &roc tai san c6 dinh tinh den th6i diem dua tai san dO vao trong thai san sang sir dung Tai san c6 dinh dugc tinh khAu hao theo phuong phap throng thOng de trir dAn nguyen gid tai san trong suot thai gian hau dung troc tinh nhu sau:

- Nha cira, vat kien true 25 nam

- May mOc, thiet bi 03 — 05 nam

- Phuong tien van tai 06 - 10 nam

- Thiet bi van phOng 03- 07 nam -Tai san co dinh hal hinh khdc 04 - 07 nam -Ph'An mem may tinh 03 — 08 /lam -Tai san co dinh vo hinh khdc 02 — 20 nam Quyen sir dung dAt dugc khAu hao theo phuong phap du6ng thOng phit hop Nit% GiAy chirng nhan quyen sir dung dAt Quyen sir dung dAt vo th6i han dirge ghi nhan theo gid g6c va kh6ng tinh khAu hao

10 Titn vä cac khoan tuang dining tien

Tien va cac khoan tuong duong tien bao gom tien mat, yang, da quY, tien gin thanh toan tai NI-INN, tin phieu Chinh phu va cac giAy t6 co gia ngOn han di" dieu kien chi& khAu voi NI-INN, cac khoan den giri thanh toan va den giri, cho vay tai cac to chirc tin dung khac co thai han ddo han kh6ng qua 3 thang ke tir ngay giri

SHB

Ngfin hang TMCP Ski Gan — HA NOi

11 Cac ding cu tai chinh phai sinh

Cac cong cu tai chinh phai sinh dugc ghi nhan tren bang can d6i ke toan theo gia tri hgp d6ng vao ngay giao dich, va sau dO dugc danh gia 10 theo gia tri hop 1St Lgi nhuan hoc 10 khi cac cong

cu tai chinh phai sinh dugc thuc hien dugc ghi nhan trong bao cao ket qua hgat d6ng kinh doanh Lgi nhuAn hoc 18 chin thuc hien dugc ghi nhan vao khoan muc chenh tech danh gia lai cac cong

cu tai chinh phai sinh teen bang can d6i ice toan va dugc ket chuyen vao ket qua hoat d6ng kinh doanh vao thOi diem cu6i nam

12 Ghi nh'Un thu nh4p/ chi phi lai

Ngan hang ghi nhan thu nhap tir lai va chi phi lai teen bao cao ket qua hoat d6ng kinh doanh tren co so du thu, du chi

13 Ghi nh4n thu nh4p tir phi va hoa 'ing dich vu

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

cung cap dich vu trong mot thei gian nhAt dinh dugc du thu trong sueyt tiled gian do Phi nay bao g6m phi quan 1ST, phi nhan uy thac, hoa Wong va cac phi lien quan den cap tin dung, quan 1ST tai san, phi quan ly danh muc va cac chi phi quan 1S/ ding nhu phi to van khac

gia dam phan cac giao dich cho mot ben thin ba, vi du nhu dan 'Cep viec mua co phAn hoc cac lo4i chimg khoan khac hoc mua lai doanh nghiep , dugc ghi nhan khi hoan tat giao dich lien quan Phi hoac mot phAn cua khoan phi nay co lien quan den viec thuc hien mot cong viec nhAt dinh se dugc ghi nhan khi hoan tat dieu kien tuang irng

6

Tin dyng

Cho giai dogn to ngay 01 thong 01

din ngay 31 thcing 03 nom 2014

1 Doanh thu trtrc ti6p 1,763,984,753,262

Tai ngay 31 (hang 03 nom 2014

1 Tai salt b0 phan 87,639,800,207,730

2 Tai sin phan 1)6 3,608,356,454,440

1 Ng phai tra be.) phan (181,221,327,667)

Diu tte Kinh doanh va

huy (Ong van Dich vu Cac bo phOn khdc

Dow vi: VND Tang Ong

Ngfin hang TMCP Ski Gen — Ha NOi

14 Thong tin bao cao bo ph4n

- Thong tin bac) cao bo phan theo linh vijc kinh doanh

SHB

Ngan hang TMCP Sal Gan — Ha Ni

- Thong tin bao cao blo ph4n theo khu vic dla IS,:

Chi tie u CN Nit& ngoai Mien Bc

Trong Mitt' Trung Mien Nam

Tong cong

Thu nh4p lai thuAn

Lai/16 thuAn tit hog dOng dich vu

Lai/18 thuAn tit mua ban chimg khoan

Lai/k thuAn tir hoat dOng khac

Thu nh'ap tü Op von, mua cO phAn

Chi phi hoat dng

48,349,395,026 (22,815,745,096)

1,110,210,416

28,669,729

(15,802,321,913)

184,859,310,099 31,511,763,375 (1,909,400,000)

534,797,200

44,030,475,503 8,094,708,583 65,408,000 (250,251,596,681)

42,410,786,341 3,497,138,932

116,713,369

(282,583,359)

(31,883,049,028)

76,474,945,373 6,959,293,316

3,247,967,274

(94,369,963)

(72,659,151,861)

352,094,436,839 19,152,450,527 (1,909,400,000)

5,009,688,259

44,030,475,503 7,746,424,990 65,408,000 (370,596,119,483)

Lçi nhu4n thuAn tir hot dang kinh

doanh truirc chi phi dy phong riii

SHB

edi,/ pa - trwrr, , tztaroly

Ngfin hang TMCP Sai Gen — Ha N(ii

15 Tien mat, yang b,ac, da quy

- Bang ngoai ts, yang 820,896,983,173 632,388,689,505

Tidn, yang girl có kj, hgn 6,701,511,647,863 16,152,196,647,863

IISHB

SO plulnvr,, now

Ngfin hang TMCP Sal Gen — Ha Ni

18 Cac ding ci tai chinh phai sinh vi cac tai sin tai chinh khic

ngay 31 thing 12 nam 2013

Tong gici tri cita hop Tong gia tri ghi so ke loan

(theo gici tai ngay lLp bao cao) ding (theo tf, gia ngay

hieu lzec hop dang) Tai san Gong no

Cong cy TC phcii sinh tMn to 6,248,089,005,625 6,715,301,827

Ti ngay 31 thing 12 dam 2013

Cong cy TC phdi sinh tin to 4,001,790,424,255 6,271,815,107.00

19 Cho vay khach hang

31/03/2014 VND

31/12/2013 VND

Cho vay cac tt) chirc kinh t, ca nhan trong

nude

Cho vay chit khdu thuong phi6u va cac giAy

tY cO gia

Cho thue tai chinh

Cac khoan tra thay khach hang

Cho vay bang vein tai trg, Cry thac du tu

Cho vay di vOi cac t chac, cã nhan nu&

ngoai

Cho vay khac

Ng cho vay dugc khoanh va ng ch6 xtr 1Y,

77,567,371,880,371 6,874,156,000

26,896,493,770 26,453,523,271 3,337,034,987,510 21,603,670,806 1,228,584,079,407

71,880,997,211,601 7,213,156,000

19,581,969,200 19,332,939,529 3,318,403,772,090 22,007,021,616 1,228,584,079,407

82,214,818,791,135 76,496,120,149,443

10

SHB

Ngfin hang TMCP Sai Gan — HA NOi

19.1 Phan tich chit luqng no' cho vay

31/03/2014 VND

31/12/2013 VND

No dti tieu chuan 74,596,553,827,978 69,811,299,055,641

Ng can chil 2,883,173,705,586 2,352,445,687,051

Na duai tieu chuan 307,792,975,786 144,391,408,890

Ng nghi nger 212,597,167,859 434,849,602,395 co

Nq kha nang mat von 2,986,117,034,519 2,524,550,316,059 Cac khoan nq cher xfr ly - Vinashin 1,228,584,079,407 1,228,584,079,407

82,214,818,791,135 76,496,120,149,443 19.2 Phan tich dir nq theo thlri gian

SHB

E.K1 rmrtn&r,, rlerdye

Ngfin hang TMCP Ski Gen - Ha Ni

19.3 Phan tich dir nv cho vay theo di tuvng khach hang NI 100 hinh doanh nghi0

31/03/2014

tiiu VND

31/12/2013

Cac khoan Repo vai khach hang ctia

cong ty TNHH MTV Quan 1Si ng va khai

tilde tai san SHB

Cac khoan phai thu giao dich chimg

82,187,637 100.00 76,496,120 100.00

1

11 SHB tfofid parto0r, 00,01,0 uoluizons

Ngfin hang TMCP Sai Gan - Ha N(ii

19.4 Phan tich dir no; cho vay theo nganh kinh to

31/03/2014 triu VND

31/12/2013 triu VND OA

NOng nghiep va lam nghiep va thily san

Khai khoang

Cong nghiep the bien, the tao

San xudt va phan phi dien, khi Ot, nude

nOn2, hoi nuac va dieu hoa khong khi

Cung cap nude; hog Ong quasi Isi va xf.r

1 , rac thai, ntrac thai

Xay dung

Ban buon va ban le; sua chtia 6 to, m6 to,

xe may va xe co dOng ca khac

Van tai kho bdi

, Dich vu ltru till va an u ong

Thong tin va truyen thong

Hog Ong tai chinh, ngan hang va bao

hiem

Hog dOng kinh doanh bdt Ong san

Hog Ong chuyen mon, khoa hoc va

ding mite

Hoat dOng hanh chinh va dich vu ho trg

Hoat Ong cu'a Dang COng san, to chirc

chinh tri - xd ha auan 1N'r nha mere an

Giao duc va dao tao

Y t6 va hoat Ong tra giftp )(A hOi

Nghe thuat, vui chai va giai tri

Hoat Ong dich vu Ichdc

Hoat Ong lam thue cad ding viec trong

cac h0 gia dinh, san xuat san phdm vat

chat va dich vu to tieu diing ctia h0 gia

dinh

Hoat Ong cu'a cac to chirc va co quan

qu6c to

Cac khoan Repo vai khach hang cila

cong ty TNHH MTV Quan IS/ ng va khai

Cac khoan phai thu giao dich chimg

khoan cua C6ng ty CP chirng khoan SHB '

Du no chit xu ly

18,726,536 5,184,988 12,222,340 2,727,728

18228 7,563,465 12,493,204 3,788,128 2,092,256 86,411 724,443 4,052,140 17,460 1,804,160 1,177 16,782 105,952 24,706 9,315,838

20,293

1,201,402

22.79 6.31 14.87 3.32 0.02 9.20 15.20 4.61 2.55 0.11 0.88 4.93 0.02 2.20 ,

0.00 0.02 0.13 0.03 11.33

0.02

0.00

0 00 0.00 1.46

0.00

16,523,844 5,061,999 12,568,304 2630,550 19,045 7,134,663 11,718,907 3,864,980 2,101,590 80,742 647,902 3,500,575 52,355 42,081

51,268 93,586 30,490 9,121,126

23,527

1,228,584

21.60 6.62 16.43 3.44 0.02 9.33 15.32 5.05 2.75 0.11 0.85 4.58 0.07 0.06 0.00 0.07 0.12 0.04 11.92

0.03

0.00

0.00 1.61

Tong dtr nq 82,187,637 100.00 76,496,120 100.00

SHB

Ngfin hang TMCP Sai Gen - HA Ni)i

20 Dv phOng rui ro tin dung

nguon dir phOng

Dieu chinh tang/ (giam) khac

nguOn dtr phong

Si; du cu6i ky 476,303,411,330 711,317,305,137

21 Chung khoan d'au ttr

21.1 Chtrng khoan du tte san sang d6 ban

31/03/2014 31/12/2013

Chung khotin Ni p

Chirng khoan Chinh ph6

Chung khoan Ng do cac TCTD Ichic trong nu&

phat hanh

ChUng khoan Ng( do cac TCKT trong nu& Oat

hanh

Chung khotin Vein

ChUng khoan Nr6n do cac TCTD khic trong nu&

11 SHB hoIuVor,

Ngfin hang TMCP Sai Gen — HA NOi

21.2 Chtimg khoan d'au tir gill den ngay dao h#n

31/03/2014 VND

31/12/2013 VND

Chimg khoan Chinh phu 2,815,355,919,857 4,213,522,288,822 Chfrng khoan Ng do cac TCTD khac trong nu&

phat hanh 3,244,450,000,000 3,656,980,000,000 Clirng khoan Ng do cac TCKT trong ntrac PH 2,691,141,589,207 2,691,727,082,319 Dtr phOng gia'm gia chirng khoan dau to Oa an

ngay dao han

8,750,947,509,064 10,562,229,371,141

22 Gop von, du fir dai han

31/03/2014 VND

31/12/2013 VND

DAti to vao cong ty con 167,710,070,000 167,710,070,000 Cac khoan dau to vao cong ty lien doanh 31,798,000,000

Cac khoan d'au to vao cong ty lien ket

Cac khoan dau to dai han khac 332,427,625,375 385,427,625,375

Du phOng giam gia au to dai han (55,542,083,470) (55,542,083,470)