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

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

SHB

Solid partners flexible soliitloris

NGAN HANG THVONG MAI CO PHAN SAI CON - HA NQI

77 Tran Hung Dao - Quart Floan Kiem - Ha NOi

Bao cao tai chinh hryp nhat Quj, I nim 2014

MAu Q-Ola Tel: 04.39423388 Fax: 04.39410942

TD - BANG CAN DOI Kt TOAN

tieu minh SO cuOi ky

Dan of tinh: VND

SO clAu nim

A TAI SAN

III Tien, yang gvi tai cac TCTD khic vi cho vay cac TCTD khic 130 17 11,351,778,156,662 30,262,605,116,599

1 Tien, yang giri tai cac TCTD khic 131 8,286,592,156,662 17,626,577,116,599

2 Cho vay cac TCTD khic 132 3,065,186,000,000 12,636,028,000,000

3 Du phong raj ro cho vay cac TCTD khic 139

IV Ching khogn kinh doanh 140 18 76,619,691,352 29,014,924,973

2 Dtr ph6ng giant gia chimg khoan kinh doanh 149 (17,566,400,619) (22,871,668,627)

V Cac cong cy tai chinh phai sinh vi cac tai sin tai chinh khic 150 19 6,715,301,827

VI Cho vay khich hang 160 81,355,356,310,003 75,322,050,269,335

1 Cho vay khach hang 161 20 82,304,183,880,487 76,509,670,985,802

2 Dtr phong red ro cho vay khach hang 169 21 (948,827,570,484) (1,187,620,716,467)

VII ChUng khoan (tau tir 170 22 15,762,873,936,778 18,655,008,569,730

1 Chung khoan dau to sari sang de ban 171 7,019,421,518,431 8,101,621,921,206

2 ChUng khoan daft tu gift den ngay dao han 172 8,750,947,509,064 10,562,229,371,141

3 Du phong giant gia chimg khoan dau to 179 (7,495,090,717) (8,842,722,617)

3 Dau tu vac) cong ty lien IA 213

5 Du phOng giant gia dau tu dai hart 219 (58,923,701,817) (38,923,701,817)

1 Tai sin co dinh hftu hinh 221 24 389,085,318,852 405,949,393,220

a Nguyen gulf TSCD hiru hinh 222 728,246,052,352 723,576,078,761

b Hao mon TSCD hd-tt hinh 223 (339,160,733,500) (317,626,685,541)

2 Tai sin co dinh thue tai chinh 224

3 -NJ san co dinh vo hinh 227 25 3,752,069,338,293 3,745,584,961,979

a Nguyen gib TSCD vo hinh 228 3,880,851,265,866 3,865,695,753,366

b Hao mon TSCD vo hinh 229 (128,781,927,573) (120,110,791,387)

XI Thi sin CO khic 250 26 13,268,084,188,998 12,304,671,360,246

2 Cac khoan lira, phi phai thu 252 5,980,681,276,758 5,659,817,459,732

5 Cac khoan du phong rui ro cho cac tai san Co n6i bang khic 259 (255,713,996,911) (254,980,947,463)

6,271,815,107 493,409,210,978 476,390,065,077 12,357,205,900,018 16,909,574,923,018 2,829,703,291,480 2,309,548,933,691 1,587,011,183,859 1,351,084,321,608

323,842,812 1,174,176,306,453 900,262,769,271 68,515,801,168 57,878,000,000 117,446,224,540,346 133,267,328,578,107 10,582,098,740,537 10,355,697,744,878 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)

642,480,311,476 642,479,297,476 5,092,155,219

972,274,665,442 750,966,839,002 2,798,847,30 7 2,777,022,522 128,031,122,128,190 143,625,803,345,507

10,342,135,127,495 8,338,670,362,999 486,724,000,000 486,276,000,000 2,495,837,962,854 1,774,825,693,042 7,359,573,164,641 6,077,568,669,957

tieu minh

B NO PHAI TRA VA VON CHU SO HMI

IV Cie ding co tai chinh phai sinh va cac khan nq tai chinh khac 340 19

V VOn tai trq, uy thac dttu fir, cho vay ma TCTD phai chit' rui ro 350 30

TONG NO PHAI TRA VA V6N CHU sd HUU

cAc CHI TIED NGOAI BANG

800

Ninh Thi Lan Phwang Nguyin Thay Trang

NGAN HANG

Lip bieu

O

MAI CEPHAN Sit Coll HA 01

Nguyen Thay Trang

Solid partners, tenable soiutions

NGAN HANG TMCP SAI GON - HA NQI

77 Tran Hung Dao - Quail Hoan Kidm - Ha Ndi

Tel: 04.39423388 Fax: 04.39410942

Bao coo tai chinh hqp nhit Quy I nam 2014

M8u so: Q-02a

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

Chi deli Ma chi tieu Thuyet

minh

QuY I

Dan vi tinh: VND

Luy ke tir du WW1 den cuOi QuY I

1 Thu nhap to lai va cac khoan thu nhap Wong to 01 33 2,254,958,934,258 2,451,164,154,707 2,254,958,934,258 2,451,164,154,707

2 Chi phi lai va cac chi phi tucmg to lai 02 34 1,905,404,658,032 2,023,541,604,751 1,905,404,658,032 2,023,541,604,751

I Thu nhip Ili thuan 03 349,554,276,226 427,622,549,956 349,554,276,226 427,622,549,956

II Lai/18 thuAn tir hoat ding dich vy 06 35 26,710,717,410 33,655,920,399 26,710,717,410 33,655,920,399

III Lai/18 thuAn tir hog ding kinh doanh ngoai h6i 07 36 5,009,688,259 57,987,275,692 5,009,688,259 57,987,275,692

IV Lai/16 than tir mua bin chumg khoan kinh doanh 08 1,957,707,822 (3,398,881,222) 1,957,707,822 (3,398,881,222)

V LAYIO thian tir mua bin cluing khoin du fir 09 50,891,227,484 501,779,449 50,891,227,484 501,779,449

VI Lai/16 than tir hoat ding khic 12 8,345,879,385 15,329,989,580 8,345,879,385 15,329,989,580

VII Thu nhjp tir g6p von, mua c6 phAn 13 37 65,408,000 301,597,200 65,408,000 301,597,200

VIII Chi phi hoat ding 14 38 381,775,620,989 455,595,844,657 381,775,620,989 455,595,844,657

IX Lqi nhuin thuAn tir hoat ding kinh doanh tru*c 15

chi phi dg phong riii ro tin dyng 60,759,283,597 76,404,386,397 60,759,283,597 76,404,386,397

X Chi phi dg phong rid ro tin dyng 16 (215,933,787,275) (141,208,829,718) (215,933,787,275) (141,208,829,718)

XI 'Ling Iii nhuin trir&c thud 17 276,693,070,872 217,613,216,115 276,693,070,872 217,613,216,115

XII Chi phi thud TNDN tam tinh 20 60,104,062,187 54,544,790,824 60,104,062,187 54,544,790,824

XIII Lqi nhuin sau thud 21 216,589,008,685 163,068,425,291 216,589,008,685 163,068,425,291

XIV Lqi ich ciia c6 thing thieu s6 22

XV Lai co' bin teen c6 phieu 23

1441

M SHB Bao cao tai chinh hop nhat

Quy I nam 2014 MAu Q-03a

Solid partners, flexible solutions

NGAN HANG TMCP SAIGON - HA NO!

77 Trill Hung Dao - Quan Hoan Kim - Ha NOi

Tel: 04.39423388 Fax: 04.39410942

TD - BAO CAO CHUYEN TIEN TE - PPTT - 1:M7

MA chi Thuyet Chi tieu

D VT: VND

LOy ke tir ddu nam den cubi Quo tieu minh

I LUt CHUYEN TIEN TU' HOAT DQNG KINH DOANH

1 Thu nhap 181 va cac khodn thu nhap ttrong tu nhan duoc 01

2 Chi phi tai va cac chi phi tucmg tu da tra 02

3 Thu nhap tit hoat Ong dich vu nhan &roc 03

4 Chenh loch so tien thuc thu/thuc chi to hoat dOng kinh doanh 04

chang khodn, yang bac, ngoai to

6 Ti& thu cac khodn no da &roc xir ly xoa, ba dap bang ngu6n du 06

ph6ng rui ro

7 Tien chi tra cho nhan vien va hoat dOng quan ly, c6ng vu (*) 07

8 Tien thug thu nhap thuc npp trong ky (*) 08

Ltru chuyin tien than ter hog dung kinh doanh trird'c nhumg 09

thay tai san va von Itru dung

Nhang thay d8i ve tdi skit hog dOng

9 (Tang)/Giam cac khoan tien, yang giri va cho vay cac TCTD khdc 10

10 (Tang)/Giarn cac khoan ve kinh doanh chi:mg khodn 11

(Tang)/Giarn cac cOng cu tai chinh phai sinh va cac tai san tai

chinh khac

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

(Tang)/Giam ngu6n du ph6ng de bit dap ton that cac khoan (tin 14

13

dung, ch(mg khoan, dau to ddi han)

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

Nhang thay ddi ye cling ntl hoot d(Ing

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

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

17 Tdng/(Giam) tien gui cda khach hang (bao gem ca KBNN) 18

Tang/(Giam) hanh giay ttr CO gia (ngoai trir giAy tO CO gid phat

hanh duqc tinh vao hoat Ong tai chinh)

Tang/(Giam) von tai trq, thdc dau tu, cho vay ma TCTD chju rdi

Tang/(Giam) cac cOng cu tai chinh phdi sinh va cac khoan no tai

chinh khdc

21 TAng/(Gign) khdc ve cong no hog d6ng 22

22 Chi tir cac qu'y ctia TCTD (*) 23

Ltru chuyen tien thuAn to hoat dung kinh doanh 24

II Lilt CHUYEN TIEN TeHOAT DQNG DAU TU

2 Ti6n thu tir thanh ly, nhtrong ban TSCD 26

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

4 Mua sam bat dOng san dau tu (*) 28

5 Tien thu tit ban, thanh 15, bat dOng san au tu 29

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

7 Tien chi au tu, gOp von vao cac don vi khac 31

8 Ti& thu dau tu, g6p von vao cac don vi khdc 32

Tien thu co tire va 10 nhuan duqc chia to cac khoan au Ur, Op 33

9

2,064,613,677,679 (1,674,384,895,243) 26,710,717,410 52,643,883,843 8,125,828,219 220,051,166 (352,338,420,978) (70,862,648,943) 54,728,193,153

11,019,727,000,000 2,863,431,193,506 (6,715,301,827) (5,782,239,830,351) (12,273,064,334) (741,647,529,246) (1,616,303,776,312) (17,504,586,776,304) 7,321,253,849,272 (4,552,369,023,000) 17,019,145,901 (6,271,815,107) 263,396,099,733 (8,682,851,634,916)

(20,396,195,634) 9,500,022

21,202,000,000

2,143,103,922,745 (2,614,731,929,617) 33,655,920,399 53,122,249,381 15,094,676,499 130,334,320 (428,452,215,280) (211,802,431) (798,288,843,984) 10,623,656,513,393 2,019,157,612,753 (34,316,754,899) 1,913,092,715,532 (1,163,756,966,164)

(10,501,479,846,992) 812,631,242,365 (2,198,705,812,072) 38,153,593,980

192,588,348,831 902,731,802,743

(30,003,978,966)

0 (17,401,000,000)

260,482

MA chi Thuyet tieu minh

Lay ke fir dau nam den cuoi Quy I

Mm 2014 Mm 2013

Chi tieu

Ha mat ngay thcing nom 2014

Tang Guam dac

eiViruyen ' 17tin cT4

III LUU CHUAN TIEN Tir HOAT HANG TAI CHINH

2 thu tir Oat hanh giay tir c6 gia dai han c6 dti di6u kiln tinh 36

vao von tu cO va cac khoan von vay dai han khdc

3 Tian chi thanh than giay tar c6 gia dal han CO da di6u kirrn tinh vao 37

von to c6 va cac khoan von vay dai han khac

4 Co tirc tra cho co dong,10 nhuan da chia (*) 38 (267,676,750) (294,988,100)

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

V Tien vi cac khan twang throng tiEn tai theri diem dau ky 43 16,177,347,193,243 11,666,557,900,461

VI DiEu chinh Anh hirerng ctia thay doi ty gib 44

VII Titn vi cac khoan ttrung throng tien tai theri diem cuoi ky 45 7,495,108,593,965 12,521,891,593,820

THUYET MINH BAO CAO TAI CHINH HcIP NHAT

Cho Quy I nam 2014

SHB

Solid inIrtmor$, IiuxpJfe sOutio

Ngan hang TMCP Sai Gen — HA Ni

THUYET MINH BAO CAO TAI CHINH HQP NHAT

QUY I NAM 2014

1 Thong tin vt ngan hang

Giay pile') 'lout &Ong 0041-NH/GP ngay 13 thang 11 nam 1993

Giay phdp hoat d'Ong do Ngan hang Nha nuac Vidt Nam cap Thai han hoat dOng cua Ngan hang la 40 nam ke tir ngay cap giAy phdp

&Au tien

I-10i &lug Quan tri

Ong Do Quang Hidn

Ong Nguyen Van Le

Ong Trail Ngoc Linh

Ong Pham H6ng Thai

Ong Pham Ngoc Tuan

1,3, a Dam Ngoc Bich

Ong Le Quang Thung

Ban ki'm soat

Uy vien B6 nhidm ngay 5 thang 5 nam 2012

Uy vien 136 nhidm ngay 5 thang 5 nam 2012

Uy vien B6 nhidm ngay 5 thang 5 nam 2012 Thanh vien dOc lAp BO nhidm ngay 5 thang 5 nam 2012

Chu tich Tai b6 nhidm ngay 5 thang 5 nam 2012

Uy vien Tai b6 nhidm ngay 5 thang 5 nam 2012

Uy vien Tai b6 nhidm ngay 5 thang 5 nam 2012

Ong Pham H6a Binh

Ong Nguyen Him Dire

Ba Hoang Thi Minh

Ong Bui Thanh Tam

Ban T'Ong Giam dOc

Ong Nguyen Van Ld

Ong Dang Trung Diing

Ong Le Dang Khoa

Nguyen Huy Tai

NO Thu Ha

Ninh Thi Lan Phuang

Dang T6 Loan

Thanh vien Thanh vien Thanh vien Thanh vien

T6ng Giam dcic Ph6 T6ng Giam doe PhO T6ng Giam d6c PhO T6ng Giam d6c Pho T6ng Giam d6c PhO T6ng Giam d6c kidm kd toan twang PhO T6ng Giam

Tai 1306 nhidm ngay 05 thang 05 nam 2012 Tai b6 nhi'dm ngay 05 thang 05 narri'2012 B6 nhidm ngay 05 thang 05 nam 2012 Tai b6 nhidm ngay 05 thang 5 nam 2012

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

B6 nhidm ngay 9 thang 10 nam 2012

Tru so chink S6 77 - TrAn Hung Dao - Q.Hoan Kim - TP.Ha NOi - Vidt Nam

2 Erac dint hoot &Ong cam to chirc tin dung

Ngan hang Thuang mai Co phAn Sai Gan - Ha Ni (dm% day goi tat la "Ngan hang") la mot ngan hang thuang -mai c6 phAn Vidt Nam thanh lAp tai nu& COng h6a Xa hOi Chu nghia Vidt Nam vai thai gian hoat dOng la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 caa Ngan hang

111 S 11B SOO Itoxible solutionv

Ngan hang TMCP Shi Gen — HA NOi

Nha ntrac Viet Nam Ngay 28/08/2012 Ngan hang TMCP Nha Ha NOi (Ten vi6t tat: HBB) chinh thirc sap nhSp vao Ngan hang TMCP Sai Gon — Ha NOi (Ten viet tat : SHB) theo QD 1559/QD — NHNN, vi vSy s6 lieu thuyet minh cho kS, nay la s6 lieu hop nhAt SHB, HBB cu, va 2 cong ty con (s6 lieu chua kiem toan), s6 lieu thuyet minh cho kST truac la so lieu dm SHB va AMC

Win dieu le cila Ngan hang tai ngay 31/03/2014 la 8,865,795,470,000 &Ong (Tam nghin tam tram sau lam 1-S/bay tram chin lam trieu bon tram bay mai nghin dOng)

Hoi so chinh cua Ngan hang 41 tai S6 77 - Tear' Hung Dao - Q.Hoan Kim- Ha NOi - Viet Nam T4i ngay 31/03/2014, Ngan hang c6 4.902 nhan vien (DAu nam 2014: 5.002 nhan vien)

3 Tom tit cat chinh sach ke toan Chu yeu

Chun mur va the coq ke than Ai) dung

Ngan hang trinh bay cac bao cao tai chinh bang dOng Viet Nam (VND) theo Lust cac TO el-1'k Tin dung, Lug sira d6i va b6 sung mot s6 dieu trong Lug cac TO chirc Tin dung, cac chuan intrc ke toan Viet Nam va He thOng Ke toan cac to chirc tin dung Viet Nam

1(57 bao cao va don vi tien te

KS, bao cao cita Ngan hang bat du tir ngay 01/01/2014 va ket thfic vao ngay 31/03/2014 Dan

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

4 Nguyen tic ghi nh4n cac nghiep vu bang ngoai to va quy

Theo he tilting ice toan cua Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang dugc hach toan theo nguyen te Tai thai diem cuOi nam, tai san va cong ng co ngutm g6c ngoai to dugc quy d6i sang VND theo ty gia quy dinh vao ngay lap bang can d6i ke toan Cac khoan thu nhSp va chi phi bang ngoai to cua Ngan hang dugc hach toan bang VND theo tS, gia vao ngay Oat sinh thong qua giao dich mua ban ngoai te Chenh lech tj, gia do danh gia 14i cac tai khoan kinh doanh ngoai te dugc h4ch toan vao bao cao Ket qua Hog dOng Kinh doanh va lgi nhuSn de 14i Chenh lech tS, gia phat sinh do quy dOi cac tai san va Ong ng khac bang ngoai te sang VND dugc xir 13"/ vao doanh so cua cac khoan myc tuang Ung tren bang can deii ke toan vao ngay lap bao cao tai chinh

5 Chting khoan flan ttr gifr den ngay dao han

Chung khoan ng gar den ngay dao han la cac chfrng khoan co kS, han c6 dinh va cac khoan

thanh toan c6 dinh hocc6 the xac dinh dirge va Ban Tting Giam d6c coy dinh va co kha nang gii den ngay dao han Ngan hang dang ghi nhSn cac Chung khoan nay theo gia g6c cong tai dtr thu trir lai Cha phan b6 Gia tri phu trOi hoSc chiet khAu (neu co) ding dugc phan anh vao gia tri ghi so cua khoan dAu tu Lai dugc du thu hocphan b6 theo phtrang phap &rang thang ChUng khoan dugc giir den khi dao h4n se dugc xem xet ve kha nang giam gia Chirng khoan dugc 1Sp du phOng giam

SHB

Solid eel leers, Ilexible sok:hone

Ngfin hang TMCP Sai Gan — HA NOi

6 Chung khoin (fait to sin sang cue ban

Chirng khoan dau tu san sang a ban la cac chung khoan dugc gift trong th6i gian khong An dinh trtrac, c6 the dugc ban de dap (mg nhu cAu thanh khoan hoAc de (mg phO vai truing hop thay d6i lai suit, ti gia, hoac gia tri chting khoan Ngan hang dang ghi nhAn cac ch(rng khoan nay theo gia g6c cong lai du thu trir lai chi phan b6 Gia tri phu tri hoAc chit khau (n6u co) ding dugc phan anh vao gia tri ghi s6 cua khoan dau tu Lai dugc du thu hoAc phan b6 theo phuang phap

&row thing Cac chung khoan nay dugc danh gia dinh kSi theo gia tri thi twang va dkr phOng giam

gia tri se dugc lap khi gia trf thi twang nh6 han gia tri ghi s6 Du phOng giam gia dugc ghi nhAn vao bao cao ke't qua hog d6ng kinh doanh

7 Ch'ing khoin kinh doanh

Ch(rng khoan kinh doanh la chirng khoan ban dAu dugc mua va nam giix cho muc dich kinh doanh trong ngin hAn hoac n6u Ban T6ng Giam d6c quy6t dinh nhu vay Ngan hang dang ghi nhAn cac chirng khoan nay theo gia g6c vao ngay giao dich Trong cac kS, tiep theo, cac chirng khoan tip tuc dugc ghi nhAn theo gia g6c Tuy nhien, gia tri thi truing cua cac chirrig khoan van dugc Ngan hang theo dOi a danh gia ve khi nang giam gia khi gia tri thf twang thAp han gia g6c Ngoai trir truing hop khong the xac dinh gia tri thi truing mot each chic chin thi gia tri caa chung dugc tinh dui tren nguyen gia sau khi frir di ton thAt trac tinh (ne'u co) Lai hoAc 18 tir kinh doanh chirng khoan dugc ghi nhAn tren bao cao ke't qua hog dOng kinh doanh theo s6 thuan

8 Cac khoan cho vay

Cac khoan cho vay ngan han co kS/ hAn duai 1 nam; cac khoan cho vay va cho thud tai chinh trung hAn c6 kSi han tir 1 nam an 5 nam va cac khoan cho vay va cho thud tai chinh dai han c6 ky hAn tren 5 nam ke tir ngay giai ngan

Viec phan loaf ng va lAp du ph6ng rai ro tin dung dugc thuc hien theo Quye't dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quy6t dinh s6 18/2007/QD-NHNN ngay 25 thang 4 nam 2007 dia Th6ng d6c Ngan hang Nha mac Viet Nam Cac khoan cho vay dugc phan thanh nam nhom no can cu vao tinh hinh tra no va cac y6u t6 dinh tinh nhu sau:

Nhom 1: Ng chi tieu chuein

• Cac khoan ng trong han ma Ngan hang danh gia la co du khi Wang thu h6i day &I ca g6c va lai dfing thai hAn;

• Cac khoan no qua hAn duai 10 ngay va Ngan hang danh gia la c6 khi nang thu h6i day du g6c va lai bi qua Ilan va thu h6i day du gocc va lai clang thai han con lAi;

Nhom 2: Na can chit

• Cac khoan no qua hAn tir 10 ngay an 90 ngay;

• Cac khoan no diet chinh kSi han tra no Fan dau;

fill SHB partners, .soNtion

Ngfin hang TMCP Sai Gen — HA NOi

• Cac khoan ng co cAu 1ai thei han tra no trong han theo th8i han dupc ca cau lai

Nhom 3: Na du& tieu chutin

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

• Cac khoan ng ca eau lai thei han tra ng lan dau, tit cac khoan ng dieu chinh kSi han tra ng Ian dau phan loai vao nhOm 2;

• Cac khoan ng dugc mien hoac giam lai do khach hang khong du kha nang tra !Ai day dit theo hop d6ng tin dung;

Nh6m 4: No nghi ng&

• Cac khoan nq qua han tir 181 den 360 ngay;

• Cac khoan ng ca call lai th8i han tra ng lan dau qua han dual 90 ngay theo thai han tra ng dugc ca cdu lai lAn ddu;

• Cac khoan ng ca eau lai thoi han tra ng Ian thir hai;

Nhom 5: Na có kha Wing mat van

• Cac khoan ng qua han tren 360 ngay;

• Cac khoan ng co cAu lei thai han tra ng ran dau qua han tir 90 ngay tra len theo thai

han tra ng dugc ca cAu lai Ian dAu;

• Cac khoan ng ca cAu lei thai han tra nq ran thir hai qua han theo thai han tra ng dugc co cAu lei Ian thir hai;

• Cac khoan ng ca cAu lai thai han tra ng Ian thin ba tra len, ice ca chua bi qua hart hoac da qua han;

• Cac khoan nq khoanh, ng eh& )(Cr 11r;

Theo Quyet dinh s6 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 vai cac khoan nq qua han, to chile tin dung phan loai lai vao nhom ng c6 rui ro thdp horn khi Ngan hang danh gia la c6 dil kha nang thu h6i day dit ca g6c va lai; va khach hang c6 tai lieu, 116 sa chfrng minh cac nguyen nhan lam khoan nq nay qua han dugc xir ly, khAc phuc Ngan hang chit dOng tir quy6t dinh phan loai cac khoan ng vao cac nhom ng rui ro cao hon Wong ang vai mac dO rid ro khi xay ra mot trong cac trtrOng hop sau day:

• Khi co nhting din Wen bat lgi tir tac dOng tieu circ den m8i twang kinh doanh va linh vuc kinh doanh;

• Cac chi tieu tai chinh cite khach hang hoac kha nang tra ng cda khach hang bi suy giam;

•

SHB

Solid Vexibte Wutiom

Ngfin hang TMCP Sai Con — HA Ni

9 Tai san c6 dinh

Tai san c6 dinh &lac the hien theo nguyen gia trir di khdu hao luy ke Nguyen gia bao g6m toan 1)0 cac chi phi ma Ngan hang phai b6 ra de co duot tai san c6 dinh tinh den thai diem dua tai san dO vao trang thai san sang sir dung Tai san c6 dinh dugc tinh khdu hao theo phtran phap dtrOng thing a trir clan nguyen gia tai san trong suit thai gian hire dung trOc tinh nhu sau:

- Nha cira, vat kien truc 25 nam

- May mac, thiet bi 03 - 05 nam

- Phtrang tien van tai 06 - 10 nam

-Thiet bi van phOng 03 - 07 nam

-Tai san c6 dinh huh hinh khac 04 — 07 nam

- Phdn mem may tinh 03 — 08 nam

- Tai san c6 dinh vo hinh khac 02 - 20 nam

Quyen sir dung ddt dtrgc khdu hao theo phtrang phap duOng thang phil hop vii Gidy chimg nhan quy6n sir dung ddt Quyen sir dung ddt vo thai han dtrgc ghi nhan theo gia g6c va khong tinh khdu hao

10 Tien NIA cac khoan twang throng tien

Tien va cac khoan ttrang throng tien bao gom tien mat, yang, da guy, tien girl thanh toan tai NHNN, tin phieu Chinh phu va cac gidy to co gia ngan han du dieu kien chi& khdu vii NHNN, cac khoan tien girl thanh toan va tien giri, cho vay tai cac t6 eh& tin dung khac CO thai han dao han khong qua 3 thang ke -Ur ngay giri

11 Cac ding 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 ding vao ngay giao dich, va sau dO &lac dinh gia lai theo gia tri hop ly Lgi nhuan hoac 18 khi cac cong

SHB

S'old partfwrs, flaxit*, olutionv

Nan hang TMCP Sai Gen - HA NOi

cu tai chinh phai sinh dtrac thuc hien &lac ghi nhAn trong bao cao ke't qua h9at Ong kinh doanh Lgi nhuAn hoAc to chua thuc hien duac ghi nhAn vao khoan muc chenh Lech danh gia 14i cac cong

cu tai chinh phai sinh tren bang can doi ke toan va dugc ke't chuy6n vao ke't qua hot Ong kinh doanh vao th6i di6m cu6i narn

12 Ghi nh'Yn thu nIfYp/ chi phi MI

Ngan hang ghi nhAn thu nhAp tir iai va chi phi lAi tren bao cao ke't qua hog Ong kinh doanh tren ca sa du thu, du chi

13 GM ni4n thu ni4p tir phi va hoa htmg dich vy

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

• Phi thu tie viec cung cap dich vy trong mot thiii gian neat dinh: Phi thu tir viec

cung cap dich vu trong mot th6i gian nhAt dinh dirge du thu trong suot th6i gian dO Phi nay bao g6m phi quan VT, phi nhAn fly thac, hoa h6ng va cac phi lien quan den cap tin dung, quan ly tai san, phi quan ly danh muc va cac chi phi quan ly ding nhu phi to van khac

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

gia dam phan cac giao dich cho mot ben thin ba, vi du nhu dan x6p viec mua c6 phAn hoc cac loci chfrng khoan khac hobs mua 14i doanh nghiep , &rot ghi nhAn khi hoan tat giao dich lien quan Phi hoc mot phAn ctia khoan phi nay có lien quan den viec thuc hien mot c6ng viec nhAt dinh se &lac ghi nhAn khi hoan tat di6u kien tuang frng

Ngfin hang TMCP Ski Gan — HA Ni

14 Thong tin bac, ea° bo phan

- Thong tin bac, cao bo phan theo linh vvc kinh doanh:

huy dang von Djch vu

Dan vi: VND Ctic ha phan khdc Tang cong

Cho giai dm tie ngity 01 dicing 01 din

ngity 31 (king 03 nam 2014

1 Doanh thu trkrc tiep 1,767,050,448,626 379,596,693,688 238,189,145,070 36,986,480,727 2,421,822,768,111

Tgi ngay 31 (hang 03 niim 2014

1 Tai san tx) phan 87,714,216,060,068 20,352,651,276,718 11,258,177,752,280 34,673,850,000 119,359,718,939,065

2 Tai san phan 1)6' 3,398,156,982,111 31,841,137,781 2,471,226,082,253 2,770,178,986,979 8,671,403,189,125

1 Ng phai tra bO phan (181,221,327,667) (115,944,215,116,268) (159,741,331,111) (116,285,177,775,046)

2 Ng phan 1)6 (454,992,010,637) (4,263,329,616) (330,881,748,495) (370,909,676,552) (1,161,046,765,300)

SHB

Solid partners flexible solutions

Ngfin hang TMCP Sal Gen — HA NAi

- Thong tin bao cao 130 ph4.n theo khu vuv dia 1ST

Trong ntrirc

Dan vi: VND

TAng tong

Thu nhap lai thuan

Lai/ 18 thuAn tir hoat dOng dich vu

Lai/ 18 thuAn tir mua ban thing khoan

Lai/15 thuan tir hog dOng khac

Thu nhap tir g6p vein, mua co phAn

Chi phi hog dOng

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

1,110,210,416

28,669,729

- (15,802,321,913)

182,319,149,486 39,070,030,258 1,957,707,822 534,797,200 50,891,227,484 8,694,162,978 65,408,000 (261,431,098,187)

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)

349,554,276,226 26,710,717,410 1,957,707,822 5,009,688,259 50,891,227,484 8,345,879,385 65,408,000 (381,775,620,989)

Loyi nhuAn thuAn tir hoat do, ng kinh

doanh trinfrc chi phi dy phong rui ro

14 SHB Solid pa,nem flexibtv witAior

Ngfin hang TMCP Sai Gen — Ha Nei

15 Tien mat, yang buc, (la co)",

31/03/2014 VND

31/12/2013 VND

618,459,316,744 541,115,104,930

16 Tien giri tai Ngfin hang Nha

31/03/2014 31/12/2013

Ti6'n giri phong toa (n6u co)

Ti& giri khac

Tidn, yang gin có 147 hgn 6,701,511,647,863 16,152,196,647,863

111SHB SOWmrs, f,ex■We Wit/i/Vnti

Ngfin hang TMCP Sal Gen — Ha NOi

18 Chung khofin kinh doanh

31/03/2014 VND

31/12/2013 VND

Chti-ng khodn Nov

- Chirng khoan Chinh phti

- Chirng khoan Ng do the TCTD khac trong

nu& phat hanh

- Chirng khoan Ng do cac TCKT trong nix&

pilaf hanh

Chtkng khodn Von 94,186,091,971 51,886,593,600

- Chung khoan VOn do cac TCTD khac trong

nuac phat hanh

- Chimg khoan Von do cac TCKT trong mac

Chtkng khodn kinh doanh khac

Eqr phang gicim gid cherng khodn kinh doanh (17,566,400,619) (22,871,668,627)

- Da" niem yet

- Chua niem yet

Cherng khodn Von 94,186,091,971 51,886,593,600

- Da niem yet 94,186,091,971 51,886,593,600

- Chua niem yet

Chang khodn kink doanh khdc:

- Da niem yet

- Chua niem yet

10I SHB Solid pietriers, flexible bobliiona

Ngan hang TMCP Sai Gen — HA NOi

19 Cic cong ci tai chinh phii sinh va cac tai sin tai chinh khic

Tang gid tri eita hop Tong gici tri ghi so ke toon

(theo gici tai ngay lap bao cab) clang (theo tf, gia ngay

hieu lye hop clang) Tai sem Cong no'

Tyi ngay 31 thing 03 tam 2014

Ong cu TC phdi sink tan to 6,248,089,005,625 6,715,301,827

Tyi ngay 31 thing 12 nam 2013

Cling cu TC phdi sinh tMn to 4,001,790,424,255 6,271,815,107.00

20 Cho vay khach hang

31/03/2014 VND

31/12/2013 VND

Cho vay cac to chirc kinh te, ca nhan trong

nude

Cho vay chi& khan thucmg phi6u va cac giay

td co gia

Cho thue tai chinh

Cac khoan tra thay khach hang

Cho vay bang On tai trg, dy thac dau to

Cho vay doi ved cac to chdc, ca nhan mac

ngoai

Cho vay khac

Ng cho vay dugc khoanh va ng chi xir15/

77,396,826,591,061 6,874,156,000

26,896,493,770 26,453,523,271 3,337,034,987,510 281,514,049,468 1,228,584,079,407

71,750,451,922,291 7,213,156,000

19,581,969,200 19,332,939,529 3,318,403,772,090 166,103,147,285 1,228,584,079,407

82,304,183,880,487 76,509,670,985,802

SHB

`Sold pa,tnem, flexible so4Aion,,

Ngfin hang TMCP Sai Gen — HA Ni O

20.1 Phan tich chat Itromg cho vay

31/03/2014 VND

31/12/2013 VND

SHB

SOW wan., thamtko soUtons

Ngfin hang TMCP Sai Gen — HA NOi

20.3 Phfin tich da nq cho vay theo doi tuvng khach hang va loai hinh doanh nghi0

31/03/2014 tri0 VND OA

31/12/2013 tri?u VND %

Cong ty Nha nu& 2,720,547 3.31 3,092,034 4.04 Cong ty TNHH Nha ntr6c 5,394,976 6.55 6,880,580 8.99 Ong ty TNHH khac 20,052,816 24.36 15,459,675 20.21 C6ng ty c6 phan On Nha nook 4,446,157 5.40 4,708,526 6.15 Cong ty co phan khdc 28,975,146 35.20 25,400,736 33.20

Doanh nghiep to nhan 3,643,045 4.43 1,044,199 1.36 Doanh nghiep c6 On du to nugc ngoai 0 0.00 45,684 0.06 Hop tac xa va lien hiep hop tac xa 103,686 0.13 129,239 0.17 H6 kinh doanh, ca nhan 14,702,870 17.86 17,745,499 23.19 Thanh phArt kinh to khac 939,068 1.14 622,650 0.81 Cac khoan Repo vai khach hang cua

tong ty TNHH MTV Quan 1 , no va

khai thac tai san SHB

2,200 0.00 2,200 0.00

Cac khoan phai thu giao dich chirng

khoan cita Cong ty CP chirng khoan 114,347 0.14 144,096 0.19 SHB

Du ng cho xir13't 1,201,402 1.46 1,228,584 1.61

82,304,184 100.00 76,509,671 100.00

~11 SHB

Sohd Narvnrere, flexthlto stAvtwns

Ngfin hang TMCP Shi Gen - HA Ni i

20.4 Phan tich du nq cho vay theo nganh kinh to

COng nghiep the bien, the tao

San xuat va phan phOi dien, khi dOt,

m.rac mine hai nuac va dieu h6a khone

Cung cap nuac; hoat dOng quan lY va

xtir lY rac thai, nu& thai

Xay dung

Ban buon va ban le; sfra chila o to, mO

to, xe may va xe co dOng ca khac

Van tai kho bai

Dich vu luu tru va an uOng

Thong tin va truyen thong

Hoat dOng tai chinh, ngan hang va bao

hiem

Hoat (ging kinh doanh bat Ong san

Hoat &Ong chuyen mon, khoa hoc va

corm Tighe

Hoat dOng hanh chinh va dich vu ho tro

Hog dOng cua Dang COng san, t6 chirc

chinh tri - xa hoi (man lv nha milic an

Gido due va dao tao

Y to va hoat deng tro giup xa hOi

Nghe thuat, vui chai va giai tri

Hog dOng dich vu khac

Hoat dOng lam thue cac cong viec trong

cac ho gia dinh, san xuat san pham vat

chat va dich vu to tieu clang cua hO gia

dinh

Hoat &Ong cua cac to chCrc va ca quan

quOc to

Cac khoan Repo vai khach hang dm

cong ty TNHH MTV Quan 1Y, no va

Cac khoan phal thu giao dich chUng

khoan cua C6ng ty CP chimg khoan

Du no chO xfr lY

18,726,536 5,184,988 12,222,340 2,727,728 18,228 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

2,200 114,347 1,201,402

22.75 6.30 14.85 3.31 0.02 9.19 15.18 4.60 2.54 0.10 0.88 4.92 0.02 2.19 0.00 0.02 0.13 0.03 11.32

0.02

0.00 0.00 0.14 1.46

16,523,844 5,061,999 12,568,304 2,630,550 19,045 7,134,663 11,586,162 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

2,200 144,096 1,228,584

21.60 6.62 16.43 3.44 0.02 9.33 15.14 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 0.19 1.61

S H13

Solut partners, flexible seitstivos

Ngan hang TMCP Sai Gen — Ha Ni i

21 Du phong rui ro tin dung

SO dux cuOi l(ST

22 Chtimg khoin dau tir

22.1 Chtirng khoan dau hr san sang a ban

Chan khodn N9'

Chimg khoan Chinh phu

Chimg khoan Ng do cac TCTD khac trong nu&

phat hanh

Chimg khoan Ng do cac TCKT trong nuac phat

hanh

Chan khodn Von

Chirng khoan V6n do cac TCTD khac trong

mrac plat hanh

Chirng khoan V6n do cac TCKT trong mrac

hoi bang ngu6n dkr phong

Di'eu chinh tang/ (giam) khac

h6i bang ngu6n dkr phong

7,011,926,427,714 8,092,779,198,589

SHB

Sorel part., Perot

Ngfin hang TMCP Ski Gen — HA N(ii

22.2 Chung khoin dau tu giur den ngay dao h#n

31/03/2014 VND

31/12/2013 VND

Ching khoan Ng do cac TCTD khac trong nuot

Du phong giam gia thing khoan dau tu gifr den

ngdy dao han

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

23 G6p van, dau ttr (Jai lipt

31/03/2014 VND

31/12/2013 VND

320,301,923,558 361,503,923,558