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THUYET MINHBAO CAO

Ng6n hnng TMCP sii Gdn -Ht Noi

THUYfT MINH BAo CAO TAI CHiNH RITNG LE

QU-f I NAM 2017

l Th6ug tin vd ogiu hlng

Gi6y ph6p ho4t itQng 0041-NIVGP ngAy 13 thdng I I nIm 1993

Gi6y ph€p host dQng do NgAn hdng Nhd nu6c ViCt Nam cip .

Thoi h4n ho4t dQng cria NgAn h,nng la 40 nam kd tn ngey cdp gi6y phdpqau llen

HQi tt6ug Quin tri

6ng D6 Quang Hi6n Chi tich T6i b6 nhiQm ngdy 5 th 6t\g 5 \6$ 2Ol2

Ong Nguyen Van LC Uy vien Tai bd nhiem ngay 5 thtng 5 nim 2012

6ng Trdn Ngqc Linh Uy vi€n Tei bo nhiQm ngay 5 thAng 5 narn 2012

6ng Phqm Nggc Tu6n Uy vi€n Bii nliQm ngey 5 th6n 95 fin2012

6ng D6 Quang Huy Thrinh vi€n Bt' nhiCm veo ngay l9th6ng4nnm2014

6ng Vd Duc Ti6n Thinh vidn Bd nhifm vao ngdy 2l thdng 4 n[m 2016

Ong Phsm Hda Binh Thrimh vi€n TAi bd nhiCm ngdy 05 th6ng 05 nem 2012 i

Ong Nguy6n Htu Dric Thinh vi6n Tad bd nliem ngay 05 th6ng 05 n6m 2012 f\Ong Bni Thanh Tim Thrinh vi€n Tai bdniiQmngay0s th6ng5 nlm 2012 i

Ban T6ag Gi6m tt6c vi K6 to6o truiog

6ng NguyEn Vdn L6 T6ng Gi6m tliic T6i bO nhiem ngdy 2l th6ng 5 nam 2014

6ng L€ Dnng Khoa Ph6 T6ng Ci6m diSc Bi5 nlliem ngay 10 th6ng 4 ntun 2009

6ng Nguyan Huy TAi Ph6 T6ng Gi6m di5c B6 nhiem ngAy 18 th6ng 02 nIm 2013

Bd NgO Thu Hd Ph6 T6ng Gidm d6c 86 nhiem ngdy l5 thrng 3 ndm 201 I

Bd Ninh Thi Lan Phuong Ph6 T6ng Giem d6c 86 nhiem ngdy 08 thtureO6firrr 2ll2

Bd D4ng T6 Loan Ph6 T6ng Girim tt6c 86 nhiem ngay 9 th{ng 10 nnm 2012

Trr; sd chiah 56 77 - Tr.an Htmg Dao - Q.Hoan Kiiim - Tp.He NOi - Viet Nam

Ngan hlng TMCP Sii Gdn - HA Noi

2 D{c iti6m hopt tlQng cria t6 chric tin dgng

Ng6n hang Thuong mai C6 phan SAi Gdn - Ha NOi (dudi dliy gai tit ld *Ngan hArg") lA mot

ngan hang thusng mai c6 phan Viet Nam thAnh lap tai rudc COng hda Xa hoi Cht nghia Viet Nam

voi thdi gian hoqt dQng lA 40 nlm theo 0M1-N[VGP ngiy 13 th6ng I I ndm 1993 cia Ng6n hAng

Nha nudc viet Nam.Vi5n didu le cia Ngan hang t?i ngey 3ll\3t2\l7 la 11.196.891 triQu ddng

(Mudi mot nghin mot tram chin muqi sAu ti tem trem ctun muoi m6t trieu tiing).

HOi sd chinh cua NgSn hang dAt ai s6 77 - TrAn Hung Dqo - Q.Hoan Kiiim - Hd Noi - viet Nam

T?i ngAy 3ll03/2017 Ng6n hang c6 5.521 nhdn vi6n (Diu nlm 2OI7i 5.541nh6n vi€n) Trong d6,

CN Lao ttch thanh c6ng ty con ngdy 15 th6ng 0l ndm 2016, CN Campuchia t6ch thAnh c6ng ty

con ngdy 09 th6ng 09 nem 2016

3 T6m tit cic chitrh srich k5 to6n chri y6u

Chu6n mr;c vi ch6 ttQ k6 to6n 6p dlng

Ngan hang trtnh biy cec brio c6o tei chin.h theo Ludt cdc T6 chuc Tin dung, Luat sua at6i vd b6

sung mQt sii diau trong LuQt c6c T6 chtc Tin d!mg, cric chuih muc k6 to6n ViQt Nam vi HQ th6ng

Kii to6n cdc t6 ohuc tin dung ViCt Nam

Ki b6o cr6o vi iton vi tidn tQ

K! bdo cdo cia Ng6n hang bit diu tn ngdy O l/01/2017 va k6t thtic vao ngdy 3l/03/2017 Dqn

vi tiAn tC srt dung tlong ghi chdp k6 todn ld ddng Viqt Nam (vND) Tuy nhiCn, lheo quy dinh tai

Th6ng tu 4912014/TI-NHNN ngdy 3l11212014 cua Ngen hang Nh,i nuoc, c6c s6 liQu tr6n 86o c6o

tai chinh dugc ldm trdn d6n hang triQu vi trinh biy theo don vi triQu ddng Viit Nam

4 NguyCu tic gbi nh{n c{c nghiQp vrl bing ugo4i tQ vir quy d6i

Theo hQ thi5ng k6 torln cia Ngan hang rit ce cric nghiQp rj phit sinh cria NgAn hang tlugc h4ch

toan theo nguyCr tC Tai thoi di6m cu6i nam, tai san va c6ng ng co ngu6n g6c ngo4i tQ duo c quy

il6i sang VND theo ty gi6 quy dinh vio ngdy lap bang ca! d6i k6 to6n CAc kto*n thu nhAp vi chi

phi bing ngo4i tQ cia Ng6n hang dugc hach torin bing VND theo ti gia vao ngdy ph6t sinh th6ng

qua giao dich mua b6n ngo4i tC Chenh lech t)i giri do ddnh gi6 l4i c6c Ai khoen kinh doanh ngoai te

duqc hach todn vao bAo c6o K6t que Ho4t dQng Kinh doanh vA lqi nhuan da lai Ch€nh lCch 0, gi6

phrit sinh do quy ddi cac tai san vdr c6ng no khiic bing ngo4i t( sang MllD duoc xri lj vio doanh s6

cr.ia cac khoen muc tumg img tren bArg cen d6i k6 roan vdo ngdy I{p b6o cdo tai chinh

5 Chrimg khodn <tiu tu gifr <t6n ngiy ildo hgr

Chri,ng khorin nq gifr ditn ngdy d6o h4n la c6c chtng khorin c6 kj h?n ci5 dinh vd c6c khoAn

thanh totu ci5 dinh ho4c c6 thii xr{c dinh dugc vd Ban T6ng Girim tt6c c6 j dinh vn c6 kha ning giii

d6n ngdy tiio h4n Ngdn hdng dang ghi nh{n ciic chtng khoiin nay theo gi6 giSc cQng lni dg thu tru

lai chd phan b6 ci6 td ph\r trQi ho5c chi6t kh6u (niiu c6) cing duqc phan ritIh vrio gi6 t{ ghi s6 cria

khodn diu tu LAi duo c dU rhu holc ph6n b6 theo phuong phrip tluong thing Chung khoan duqc

gi[ d6n khi drio hen sC dugc xem xet va kha nlng giem gi6 Chung khorin dugc ldp dy phdng girim

gie khi gi6 tri thi truong nho hon giri rri ghi sd Du phdng gid,rn gi6 duqc ghi nhAn vdo brio crio k6t

qua hoat d6ng kinh doanh

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NgAn hing TMCP Sdi Gdn - Ha Noi

6 Chiag kbocn itlu tu sin sing iI6 blD

Chung kho6n dAu tu sin sAng d6 ben li c6c chtng kho,n du.c git trong thoi gian khdng in

dinh huoc, c6 th6 duorc b6n da dep [,ng nhu ciu thanh khoan ho4c di mg ph6 vdi trusng hqp thay

d6i hi suAt, ti giriL, ho4c gi6 tri chring khorin Ng6n hang dang ghi nhan c6c chung khorn nay theo

giri g5c cQng lai du thu tru lai chd phAn b6 Gie t4 phu troi holc chi6t khAu (n6u c6) c0ng dusc

phan iinh vdo gia tri ghi sij cria khodn tliu tu Lai dugc dU thu hoac phdn bd theo phuong phdp

tludng thing Cnc chrimg kho6n ndy dugc danh gie dinh ki theo gi6 tri thi truong vA dtr phdng giam

gi6 tri s€ <luqc lip khi gi6 tri thi truong nhd hon gia tri ghi s6 Dy phdng giAm gi6 <luqc ghi nhan

vdo b6o c6o k6t qud ho4t tlQng kinh doanh

7 Chtog khoitr kitrh doatrb

Chrmg khorin kinh doanh li chrmg k-hodn ban diu dugc mua vi nim gii cho muc dich kinh

doanh trong ngin h4n ho{c n6u Ban T,ing Gi6m d6c quyiit dinh nhu v6y NgAn hang dang ghi nh6n

c6c chimg khoin ndy theo gi6 g6c vio ngdy giao dich Trong cdc kj ti6p theo c6c chung khorin ti6p

tuc duqc ghi nhin theo gi6 giic Tuy nhi€n, gi6 tri thi trudng cr)a c5c chtmg khorin vln duqc Ng6n

hang theo ddi dd drinh gi6 va khe neng giam gi6 khi gi6 td thi truqng thAp hon gi6 g6c Ngoai tru

tuong hqp kh6ng th6 x6c dinh gia tri thi rrudng mQt crich chic chin thi giA tri cia chtiLrlg duqc tinh

dga trCn nguy€n gi6 sau khi tru di t6n th6t udc tinh (niiu c6) lei ho4c 16 tn kinh doanh chfng

khortr duqc ghi nhAn lrdn bdo c6o k6t qud hoTr d$ng kinh doanh theo s6 thuin.

8 C:ic khoAo cho vay vA f,ng trudc kh{ch hing

C6c k-hoan cho yay vA ung trudc khAch hang duo c c6ng b6 vd finh bdy theo sii du ng g5c t4i

thm dtem cuol kv ke toan

9 Og plOng rrii ro tin agog

C6c k:hodn cho vay kh6ch hang duoc ph6n loai theo Thdng hr s6 o2l2Ol3fm-NHNN ngay 21

thing 0l nem 2013 vd Th6ng ru s6 09/2014rI-NHNN ngdy l8 th6mg 03 n6m 2014 cua Ng6n hang

nhri nuoc vd viQc ph6n loai ng, trich l6p vd sri dung dg phdng d6 xt ly rui ro tin dUng trong hoat

dQng ng6n hang cia t6 chric tin dgng vdi c6c mtc dO rui ro nhu sau: Ng rhi ti€u chudn, Nq cin chri

j, No dudi ti€u chudn, Ng nghi ngd vd Ng c6 khri ndng mdt viin dga vao tinh treng qu6 han vd c6c

y6u t6 ainh tuqng klxic cria khoin cho vay

Cric khoan ng dugc phan loai ld No duoi ti6u chuin, Nq nghi ngd vd Ng c6 kha nAng mit v6n

ttuqc coi Id ng x6u

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Ng6n hang thgc hiQn trich l{p vd duy tri dg phdng chung bnng 0.75% t6ng gi6 tri c6c khoin ng

dugc phen loai tir nh6m 1 tti'n nh6m 4, tru c6c khoAn tidn gui tai t6 chric tin dung tong nudc, chi

nhAnh ngan hdng nu6c ngoai tai Viet Nam theo quy diDh cria ph.ip lr4it, tiEn gui tai t6 chric tin

dung nudc ngoai vd c6c khodtr cho vay, mua c6 ki h4n giSry td c6 gi6 diii vdi td chuc tin dUng, chi

nhinh ng6n hang nudc ngodi khac t4i ViCt Nam

DU phdng rui io tin dqng tAi Campuchia, LAo 6p dUng theo quy dinh hiQn hdnh cua NHNN

Campuchia" Lao hong ky bao cdo n ong ring

10 Tni siD c6 ilitrh

Tdi sdn c6 dinh duqc thia hien theo quy6n gi{ tru di khdu hao lty k6 Nguyen gi6 bao g6m

toan bo cdc chi phi md Ngan hdng phai b6 ra dd c6 duqc tai sin c6 dinh tinh d6n thoi triiim dua tdi

san dd vAo tr4ng tMi sin sang su dgng Tdi srin c6 itinh tluqc tinh kh6u hao theo phuong ph6ptluong thing d6 Etr aen nguyen giri trii sAn trong su6t thoi gian hifu dgng udc tinh nhu sau:

- Nha cua, vat ki6n tnic

NgAn hAng TMCP Sni Gdn - HA Noi

- Phuong tien van tai

- Thiiit bi van phdng

- Tdi sen c{i dinh hiiu hinh kh6c

- PhAn mdm m{y tinh

- TAi san cii dinh v6 hinh kh6c

11 Tidn vi c{c khoin tuoug ttuoog ti6n

TiAn vri cric khoan tuong duong tiAn bao gdm tiAn m{t, vAng, d6 quj, ddn gui thanh to6n taiNHNN, tin phi6u Chinh phi vd c6c gi6y to c6 gia ng;n han dn didu kign chi6t khAu vdi NHNN, c6c

kioan tiAr gui thanh torin vA tiin gui, cho vay t4i cic ti5 chrtc tin dung kh6c c6 thdi h?n d6o h4r

kh6ng qM 3 th6ng k6 tn ngAy gui

12 Cdc c6trg cl tii chitrb phdi sitrh

CAc c6ng cU tai chinh ph6i sinh duqc ghi nhen tr€n bAng can d6i k5 torin theo gi6 t{ hqp ddngvio ngdy giao dlch, vd sau d6 dugc d6nh gi6 lei theo gi6 td hqp ly Lqi nhuan holc 16 kli c6c c6ng

cp tAi chinh phAi sinh dugc thgc hi€n dugc ghi nhan hong b6o c6o kiit qui hgat dQng kinh doanh

Lqi nhuAn ho{c 16 chua thgc hiQn dugc ghi nhan- vdo khoan mUc chenh lech drinh gi6 l4i c6c c6ng

cu tii chinh ph6i sinh tr€n bing can d6i ki5 ban vd iluoc k6t chuy6n vAo kiir quA hoet d6ng kinhdoanh vdo thoi diram cuiii nIm.

13 Ghi nhAtr thu trhAp/ chi phi Ei

Ngen harg ghi nh{n thu nh4p tn hi vd chi phi lai tr€n bro cao k6t qua hoqt dgng kinh doanhtr€n cq so du thu, du chi

14 chi nh$tr thu nhgp tt phi vir hoa h6ng dich vg

Ng6n hang thu phi tu c6c dich q cung cip cho khrich hAng Thu nh6p nr phi c6 thii chia rhinh

ciic nh6m sau:

o pht thu ti vipc cung cdp dlch vt! ttotg m\t lhdi gian nhdt illnh: phi thu tu viQc

cung c6p dich vu tong mor thdi gian nhrt dinh dugc du thu ftong su6t thdi gian d6 phi nriybao gdm phi quin lj, phi nh6n riy thnc, hoa hdng vA c6c phi liCn quan A6n cdp tin agng,

qu.tu ly ta.i sen, phi quAn lf daah muc vA c6c chi phi quan ly ctug nhu phi tu v&r Hxic

NgAn hAng TMCP Sii Gdn - Hn Noi

Phl ,hu ttir viCc cukg cdp dich e! giao dich: Phi ph t sinh tir viec ddLrn ph6n va tham

gia dAm ph6n cdc giao dich cho mQt b€n tht ba, vi dg nhu dan x6p vi6c mua c6 phAn ho4ccec loai chting khodn khAc hoEc mua lai doanh nghiQp, tluqc ghi nhan kli hoi,n tdt giao

dich li6n quan Phi hoec mot phdn cua khoan phi nriy c6 li€n quan ddn viQc thuc hien mot

cong viQc nhdt dinh s€ dugc ghi nh{n khi hoan t6t dieu kien tuong tmg

Ngen hlng TMCP Sii Gdn -Hi Noi

15 TiAn m{t, ving b4c, al{ qui

TiAn m4 bang vND

Tidn m{t bdng ngoqi tQ

Kim lo4iquj, d6 qu!

16 TiAn gd"i t4i Ngin hing Nhir nuoc

Tian gui thanh to6n t?i Ngen hing Nhe nudc

17 Tiln, vnrg gfri tqi c6c t6 chrtc tin dgng khdc

Tiln, ving gti khdng kj' hgn

NgAn hing TMCP SAi Gdn - Hi Noi

T6ng giti tti cia hqp

ddng (heo tj gid ngoy

hi€u hr hqp ding)

@iet/ dihg

Tihg giti tti ghi si ki totin

(theo ti gid tqi ngay ldp bio aio)

Orieu ding)

Td ngAy 31 thAtrg 03 Dnm 2017

C6ng c( TC phdi sinh filn C

Giao dich kY hen tian te

ciao dich ho6n d6i lci h+n

Td ngiy 3l lh6Dg 12 Dim 2016

COng cy rc phdi sinh tiin ,e

Giao dich k, h0n tiAn tC

ciao dich ho6n it6i ki han

re.l@&

10,746,625

t,833,7938,9t2,832

41,30840,515793

3v$not1

trteu aong

3Ut2t20t6

Cho vay cic t6 chtc kinh td, ci nhAn trong nu6c

Cho vay chi6t khAu thuong phi6u vd c6c giiy to co

cia

CAc kioan tra thay khrch hAng

Cho vay bing v6n tdi trg ti cec TCTC Qu6c t6 ( WB,

Ng6n hAng TMCP sAi Gbn - Hn Noi

19.1 Phetr tich ch{t luqtrg trq cho vay

Ngen hnng TMCP Sdi Gdn - Hn Noi

19.3 Phen tich du nq cho vay theo al6i tuqng khich herng vi lo?i hitrh doatrh nghiep

Doanh nghiPp tu nhin

Doanh nghiQp c6 v6n itAu tu nuoc ngoii

Hgp tric xa vd li€n hiep hqp tic xa

H0 kinh doanh, ca nhan

Thinh phan kinh tii kh6c

9,2t0,363

14,203,284

26,083,735

15,67 4,43167,303,514

9,085

|,603,247

57,855

69,7'.7830,4t9,364

Ngon hAng TMCP Sli Gdn -Hd Noi

19.,1 Phan fich du nq cho vay theo nginh kinh t6

Ndng nghiep ve lam nghiCp va thiy san

Kiai khoeng

Cong nghiep chC bi6n, ch6 t?o

san xuit vd phan ph6i dien, khi ddt, nudc n6ng,

hoi nuoc vi iliiu hda kh6ne khi

Cung cip nudc; hoat dong queLn li vi xri li r6c

thei, nudc thei

Xey dung

Ben bu6n va ban le; sia chta 6 16, md t6, xe mdy

vi xe c6 d$ng co khiic

VAn tei kho bai

Dlch vu luu tru ve trn u6ng

Th6ng tin vir truyln th6ng

Hoet dQng Lii chinh, ng6n hing vir bdo hi6m

Hogt dQng kinl doanh bit dQng sin

Hogt tlQng chuy€n m6n, kloa hgc vd c6ng nghe

Ho{t ilong hamh chinh vd dich vu h6 trq

Hoat dong cria DAng COng sAn, t6 chtc chinh tri

-xe h6i ouen lv nhi nu6c an ninh ou6c ohdne:

Gi6o duc viL dio tao

Y tC vi ho+t ilong trq giip xa hoi

Nghg thu6t, vui choi vi giei tri

Hoat dong dich v! kh6c

Ho?t dong ldm thue c6c c6ng viec trong cec h0

gia dinh, sen xuit sen phAm vat ch{t va dich vu tg

tieu ding cia h0 gia ilinh

Hqt dQng cria cic t6 chrirc vd co quan qu6c t€

Cec khoin Repo vdi khdch hang cia c6ng ty

TNHH MTV Qu{n ly nq vA khai th6c Gi sen

Cdc kloan phei thu giao dich chung k-ho6n cia

0.62%

6.47%

0.38%

0.960/o0.03%

0.n%

0.080/00.20%10.92%

0.20%

0.00%

0.000/00.00%

0.00%

166,470.1IJ 100.00% 156,824.177 t00.000/

33,s32,t t49,219,790

14.95%

5.21%

0.09o/o14.41%

1.21%

0.07o/o 0.14o/o0.09%

110,s37

1t

Dg phdng rui ro trich lap/hoan nh6p trong ki

Dg phdng giam do xt li c6c khoen nq kh6 thu hdi

bing ngudn dv phdng

s5 du cuSi ki

I{i t.t tc 6Yl2/2016)

s6 ouaiu 19

Du phdng rui ro lrich l4p/hoin nhip trong tj,

Sri dung dg phdng trong nam

Teng do s.ip nhAp VVF

q, phdng giem do t6ch CN LAo thinh c6ng ty con

Du phdng giem do iich CN Cam thinh c6ng ty con

3 t2/2016

I fteu clong

do cac TCTD khac rong nudc

do cac TCKT trong nudc ph6t

13,627,91E6,081,308

33,598

796

32,802

Q25,789)D( phdng gi,im g i chtng khodn san sdrrg atl bdn

21.2 Chirg khodn itiu tu giu tl6n ngirl ddo h?n:

Chrimg kho6n Chlnh phri

Chimg kho6n Ng do c6c TCTD khec trong nudc ph6t

hdnh

Chrimg khorir Ng do c6c TCKT trong nuoc PH

DU phdng giem gi6 ching khodn dAu tu git d6n ngny

Sti Gdn -Hi N0i

pr_s"r_r.E

22 Grip v6n, tliu tu dii h4n

Dau tu vio c6ng ty con (')

CAc khoAn dAu tu dari han khac

Du phdng giim gi6 diu tu dii hqn