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THUYET MINHBAO CAO r.q.r cniNH HoP NnAr

Cho Qui, I ndm 2017

NgAn hAng TMCP SAi Gdn - HA Noi

THUYET MINH BAO CAO TAI CHINH HOP NHAT

QW I NAM 2017

l Th6ng tin vd ngin hing

Gi6y ph6p bo4t tt$ng OO4I-NIVGP ngay 13 th6ng ll nIm 1993

CiSy ph€p hogt dQng do Ngan hang Nha nu6c Viet Nam c6p

Thdi h4n ho4t <lQng cua NgAn hdng lA 40 nAm k6 tu ngny cdp gi6y phdp

dAu ti6n

6ng D6 Quang Hi€n

Ong Nguy6n VIn L€

Ong TrAn Nggc Linh

T6i b6 nhiQm ngiy 5 th6ng 5 nAm 20 I 2

Tei b6 nhiem ngdy 5 th6ng 5 nIm 2012

T6i b6 nhiem ngay 5 thring 5 nLm 2012

86 nhiQm ngay 5 th6r g 5 nfurnz}l2

Bd nhiQm vdo ngdy l9 th6ng 4 ndm 2014

86 nhiQm vio ngdy 2l thring 4 nnm 2016

Ong Ph4m Hda Binh Thanh vien

6ng Nguy6n Htru Dirc Thanh vi6n

6ng Bni Thanh TAm Thdnh vi€n

Bd Nguy6n Thi HoAt Thdnh vi€n

Ban TSng Gi{m <tdc v}r K6 toin truOrg

6ng Nguy6n Van L€

Ong L€ DIng Khoa

Ong NguyEn Huy Tai

Bd Ng6 Thu Hi

Tdi bo nhi€m ngAy 05 thrlmg 05 narn 2012

Tai bo nhiCm ngAy 05 th6ng 05 nam 2012

T6i bd nhi€m ngiy 05 th{ng5 nim20l2

86 nhiem ngay 24 th6ng 04 nIm 2015

Tdng Ginm d6c T6i bo nhiQm ngay 2l thrng 5 nam 2014Ph6 TOng Girim d6c 86 nhiQm ngAy lO rhAng 4 nlm 2009Ph6 T6ng Ci6m d6c 86 nhiem ngay I 8 rhring 02 ndm 20 t 3

Bd DIng Tii Loan Ph6 T6ng Gidm d6c 86 nhiem ngay 9 th6ng I0 n6m 2012

Bd Ng6 Thi Vnn f6 torin truong 8,5 nhiem ngey I I thAng I I nAm 2Ol4

Trr; si chinh 56 77 - Tran Htmg Dao - e.Hoan Ki6m - Tp.He NOi - ViCt Nam

NgAn heng TMCP Sii Gdn - He Noi

2 D{c ifi6m ho?t alorg c0 t6 chirc tiD dBEg

Ng6n hdng Thuong mqi C6 phan Sei Gdn - He Noi (dudi day gAi tit la'NgAn hang") lA mot

ng6n hlng thuong m4i c6 phan Viet Nam thanh lap tai nudc COng hda Xa hQi Chn nghia ViCt Nam

voi thoi gian hoSt tlQng lA 40 ndm theo 0041-N[VCP ngAy 13 thring I I nam 1993 cua Ngan hang

Nha rudc Viet Nam.Vtin diAu lQ cna Ng5n hang tai ngdy 3l/O3l21l't lA 11.196.891 triQu ddng

(Mudi mot nghir mot tram chin muoi s6u ti tAm trdm chin m5t fiCu ddng)

HOi sq chinh cua NgAn hang dit qi Sii 77 - Tr6n Hmg Dao - Q.Hoan Kiiim - Hd Noi - Vi€r

nhdn vi6n

3 T6m tit c{c chitrh sich k6 toin chi y6u

Ng5n hang trinh bdy c6c b6o c6o tAi chinh theo Luat cic T6 chuc Tin dUng, Lu,at sua d6i va b6sung mot s6 di6u trong Lufit cric T6 chtlc Tin dqng, cric chuAn muc k6 toan viet Nam vd HQ th6ngK6 toan cric t6 chuc rin dung Viet Nam

K! br6o cdo vir ilon vi fidn tQ

Ki b6o c6o cia Ngan hdng bit diu ru ngriy 0l/01/2017 ve k6r rh'lc vdo ngdy 31103/2017 Don

Th6ng tu 4912014/ff-NHNN ngdy 3ll1212014 cUa Ngan hAng Nhi nudc, c6c s6 lieu ren Bao ceo

tai chinh duqc lam trdn diin hing triQu vd trinh biy theo don vi triQu ddng Vi€t Nam

Tai ngiry 31103/2017 , s6 lieu duqc tid bay tren 860 c6o tai chinh cria SHB dA bao g6m s6 cia

C6ng ty tai chinh Vinaconex Viettel sau s6p nhap vdo SHB

Theo hC thiing k6 to6n cta Ngen hang t6t ce cac nghiep w pMt sinh cta Ngan hang duoc hachto6n theo nguy€n tC Tai thoi diiim cu6i nAm, tAi sdn vd c6ng nq c6 ngu6n giic ngogi tC duqc quyd6i sang VNID theo ri gi6 quy dinh vdo rgdy lep bang can d6i k6 rorin C6c khoin thu nh{p vd chi phi bing ngoai tS cua NgAn hriLng dugc h4ch toriLn bing MrlD theo ti gie vdo ngay ph6t sinh th6ngqua giao dich mua biin ngoai tQ Ch6nh lQch tj gie do d6nh giri lai c6c tAi khoan kinh doanh ngo6i t€

dugc hach tori6 vdo brio cao Kitt qua Hoat dong Kinh doanh vd loi rhuan dia lai Ch€nh l6ch tli gi6

ph6t sinh do quy d6i c6c tai san vi cong no kh6c bing ngoqi tQ sang u{D duoc xri li vao doanh si5

cia cec ktoAn mUc tuqng rhg tr6n bang c6n diSi k6 toen vao ngay lap brio crio fii chinh

5 Chrtug khodn diu tu git, at6n trgiy i io hgtr

Chrmg khodn no git tliln ngdy drio h4n ld cric chf,ng kho6n c6 ki han ci5 dinh vd c6c khodnthanh to6n ci5 dinh ho{c c6 th6 xric tlinh duop vi Ban T6ng Gi{m d5"

"O 1i ai*, ua

"O kha nAng git

d6n ngny d6o hgn Ng6n hdng tlang ghi nh{n ciic chrirng khoiin niy rheo ;ia g,5c cQng Ei dU thu tru

lei chd pnAn b6 Giri td phu trQi honc chi6r kidu (ndu c6) cr)ng duqc phan aJ vao gi6 tri ehi s6 cUakhodn dAu tu Lai duor du thu hodc phrAn b6 theo phuong piap ao*g tt ing Chfmg kho6n aluqc

NgOn hAng TMCP Sni Cdn -HA Noi

gi6 khi gi6 td thi truamg nhd hon gie tri ghi s6 Drr phdng giAm gi6 tiuqc ghi nhan vAo b6o c6o kiitquA hoat dQng kinh doanh

6 Chriag kho{n itAu tu sin sirng d6 b{o

.linh tru6c, c6 thd duo c b6n d6 d6p rmg nhu ciu tharh khodn ho4c de rmg ph6 vdi trudng hqp thay

d6i lai suit, ti gi6, honc gid tri chrirng khodtl Ng6n hdng <lang ghi nh4n cAc chtng kho6n nAy theo

giri g6c cQng lli dy thu tn) hi chd ph6n b6 ci6 hi phu trQi ho4c chi6t kh6u (n6u c6) cflng tluo c

phin dni vrio gia tri ehi sd cua khoAn diu tu Lai duoc dF rhu hotrc phdn b6 rheo phuong phripdudng thing C6c chtng khoAn niy dugc ddnh gi, dinh k, theo gie tri thi auong vA du phdng giamgi6 tri sC .tuqc lap khi gia ui thi trudng nhd hon gi6 d ghi s6 Du phdng gi6m gi6 duqc ehi nhanvdo b6o crio k6t qua hoat dQng kinh doanh

7 Chtrg khodn kinh doanh

doanh trong ngin han holc niiu Ban T6ng Giitm diic quyiat dinh niu v6y Ng6n hdng dang ghi nhAn

c6c chrimg khodn nly theo giii giic vdo ngdy giao dich Trong c6c kj ti6p theo, cric chung kho6n ri6p

hang theo d6i dA drinh gi6 va kha nlng giAm gi6 khi giri rri thi ruong thdp hon gi6 g6c Ngoai trn

trudng hqp kt6ng tha xac dinh gi6 tri thi truong mQt oich chic chfn thi gi6 ai cta chtug dugc tinh

khotu duqc ghi nhan tren bro c6o kitt qua ho4t dOry kinh doad th"o 6 thu6r,

8 Cdc khoin cho vay vi riTg trufc khich hiog

Cdc khorin cho vay vri ring rru6c ktuich hAng dugc c6ng M vi tlinh bdy rheo s6 du nq g5c tai

thdi di6m cuiii ki k.a to{n.

9 Drf phdtrg rii ro titr dt!trg

Cdc khoAn cho vay khech hang duqc phen logi theo Th6ng tu s6 02/2013/TI-NHNN ngAy 2l

thring 0l nnm 2013 vd th6ng tu s6 O9l20l4fm-NHNN ngey l8 th6ng 03 tlnm 20l4 cia Ng6n hAngNhA nuoc v,i viQc ph6n loTi nq, trich lip vn st dgng dl.r phdng dC xt ly rui ro tin dUng trcng hoat

dQng ng5n hang cia t6 chuc tin dung theo c6c muc dO rui !o nhu sau: Nq tii ti€u chudn, Nq cdn chf

,, Nq duoi ti€u chudn, Nq nghi ngd vd Ng c6 khe nnng mdt v6n dga veo tinh heng qu6 han va c6cy6u t6 dinh luqng kh6c cia khoiin cho vay

CAc khoan ng dugc phen loei lli Ng dusi ti€u chuAn, Nq nghi ngd vA No c6 khd nlng mAt v5n

duqc coi li ng xdu

Ngen hing TMCP SAi Gdn - Ha Noi

tuong ltng vdi ttng [h6m nhu sau:

Rrii ro tin dpng thuin cria c6c khoAn cho vay ktach hang duqc tinh bing gi6 tri cdn lai cua cAc

khoin cho vay tn) giri tri cria tai sin drirn bno dd dugc chiiit kh6u theo cAc ti lC theo quy dinh tong

rh6ng tu s6 o2l2013/TI-NHNN, th6ng tu s6 09/201 4/Tr-NHNN.

Ngan hang thuc hien trich l{p vi duy tri dg phdng chung bing 0.75% tdng gi6 trl c6c khodn ng

duqc phan loai til nh6m I diin nh6m 4, trn cric khoan tiin gui tai td chuc tin dgng trong nu6c, chi

nhdnh ng6n hang nuqc ngoA,i tai Viet Nam theo quy dinh cria phap luat tiin gui I4i td chtc tin

dung nu6c ngod,i vA c6c khodn cho vay, mua c6 ki hen gi6y td c6 gi6 d6i vdi t6 chtc tin dUng, chi

nhenh ngar hang nudc ngodi kt6c tai Viet Nam

DU phdng rui ro tin dUng t?i Campuchia, Ldo 6p dlmg theo quy dinh hiQn hdnh cta NHNN

Campuchia LAo fong ki b6o c6o tuong rrng

10 Tii stu c6 atiDh

Tai san cii dinh duoc thd hien theo ryuyen gi6 tru di khAu hao lny kii Nguy€n gi6 bao gdm

toan bO c6c chi phi md Ng6n hang phdi bo ra dii c6 duqc tai san ci5 dinh tinh ttiin thoi di6m dua tdi

duong thing ad tu d6n nguyCn gi6 tai san rong su6t thoi gian hiu dqng udc tinh nhu sau:

- Nhd cria, vAt ki6n truc

Ng c6 khe nang mAt

NgAn hlng TMCP Sli Gdn - Hd Noi

- Tdi sA{l c6 dinh hiru hinh khac

- Phin mAm m6v tinh

- I ar san co olnn vo tunrl Khac

04 - 07 nAm

03 - 08 nlm

02 - 20 ndm

nh{n quyen st dUng d6t Quydn sr} dqng dit vd rhdi hen duqc ghi nh6n theo giri g6c vA ki6ng tinh

kh6u hao

NHNN, tin phieu Chinh phi vd c6c giiy td c6 gi6 ngin h4n di didu kiQn chiiit khlu voi NHNN, cec

khorin tidn gui thanh toAn vA tian gui, cho vay tqi cric td chuc tin dqng kh6c c6 thoi h4n 116o h4nkh6ng quA 3 th6ng kd tu ngdy gui

12 Cdc c6og cg tii chinh phdi sinh

C6c c6ng cq tai chinh phei sinh duqc ghi nhan tren bang can diti kii torin theo gia trl hqp d6ngvdo ngdy giao dich, vd sau d6 duqc diinh giri lai theo gid tri hqp Ii Lqi nhuen hoac 16 khi crc c6ng

cu tai chinh ph6i sinh duoc thgc hifn duoc ghi nhan trong b{o c6o k6t qud hoat dQng kinh doanh

Lqi nhuan ho{c 16 chua thuc hien duqc ghi nhdn vAo khoin muc ch€nh lQch tldnh gi6 l4i c5c c6ng

cu tai chinh phdi sinh tren bang can d6i k6 to6n vd duqc kiit chuydn vAo ktit qui hoat rtQng kinh

doanh vdo thdi di6m cu6i nam.

13 Ghi nhAD thu Dh$p/ chi phi lei

Ngdn hdng ghi nhQn thu nhap tn lai vd chi phi Ini tr€n b6o c6o k6t qui ho4t dQng kinh doanh

ten co sd du thu, du chi

14 Ghi nh$o thu ohip tri phi vt hoa hdng dicb vg

Ngan hang thu phi tri c6c dlch vs cung c6p cho khrich hdng Thu nh4p tn phi c6 rh6 chia thdnh

ciic nh6m sau:

pht thu ti viec cung cdp dlh vt! trcng m\t thui gian nhdt dinh: phi thu tir viec

cung cdp dich w trong mot thoi gian nhat dinh dugc dv thu trong su6t thoi gian d6 phi ndy

bao gdm phi qu,im lj, phi nh{n ny thric, hoa hdng vd c6c phi liCn quan d6n cdp tin dtmg,

quan ly tei san, phi quan I! danh muc vi crlc chi phi quan li c0ng nhu phi tu vdn khec

Pht tha tt viac cung cdp dlch vg giao dicr phi pMt sinh tu viec ddm phrn vA tham

gia dAm phdn ciic giao dich cho m6t b€n tht bq vi du nhu den x6p vi6c mua c6 ph6n hoic

cac loai chring kho6n kl6c hoAc mua l?i doanh nghigp , duqc ghi nh6n kti hodn t6t giao

NgAn hing TMCP Sli Gdn - HA Noi

dich li€n quan Phi holc mot phih cua khodn phi ndy c6 li€n quan diin viec thltc hien mot

c6ng vigc nh6t dinh sE dugc ghi nhdn- k-hi hoan tit diiu kifn nrong ung

f SHB

Ngln hirng TMCP SAi Gdn - Hn Noi

15 Tidu m{t, ving bec, alri quY

3|03t2017

I neu clong

526,01rTian mAt blng ngoai tC

Kim lo?i qui, dA quy

t0,910,t55

8,165,137

2,74s,0286B11,000

6,911,000

(s,13?)31,271,036 30,136,422

NgAn hAng TMCP Sni Gdn - Hl Noi

18 Cic cODg c+ tii chitrh phii sinh vi cic tii sin tii chitrh kh{c

long gta lrl cud hw

ding (theo ti gid ngdy

hiQu h$ hqp dting)Oie dins)

lone gM lrl ghr so Ke toan

(theo rj, gid tqi ngdy LAp bdo aio)

(riQu ding)

T{i ngny 3l tting 03 nnm 2017

C6ng ctr TC phtii sinh tin ti

Giao dich k, han tian tC

ciao dich ho6n ddi ki h4n

TEi ngny 3l th6ng 12 trim 2016

COng ctt TC phtii sinh tin tC

Giao dich ki han tiin t€

Giao dich ho6n dOi ki h4n

19 Cho vry khicb hing

Cho vay c6c t6 chric kinh t6, c6 nhan trong

nudc

Cho vay chi6t khiu thuong phi6u vi cric

giAy td c6 gi6

CAc khoin tra thay khrich hang

Cho vay bing v6n tdi trq tu cac TCTC Qu6c

t6 ( wB, ncA )

Cdc kiorin phni thu giao dich chfng kho6n

cua c6ng ty CP Chrhg kho6n SHB

10,746,625r,833,791

8,912,832

9,082,3897,407,3861,675,003

41r08

40,515193

44,578

13,42431,154

lrteu dohg

17 t,077,t23

6,29935,778

Ngetr hang TMCP Sii Gdn - Hi Noi

19.1 PbAn tich chSt luqng nq cho vay

Nq dn ti€u chuen

Ng can chu y

Ng nghi ngd

Ng c6 kha nang mAt v5n

C6c khoan phdi thu giao dich chimg kho6n

cria c6ng ty CP Chimg khoSn SHB

CAc khoar phAi thu giao dlch chrhg khorin

cua cdng ty CP Chring kho6n SHB

t72,628

Doanh nghiep tu nhan

Doanh nghifp c6 v6n diu tu nuoc

Hgp tic xi vd li6n hiQp hqp tic xd

HQ kinh doanh, c6 nhin

ThAnh phan kinh ti5 kh6c

Cic kloin phiithu giao dich chtng

SHB

9,210,36314,203,28427,848,081t5,674,43169,444,2t298,1891,603,24757,85569,77831,878,060

0.040/

0.04vo18.68%

t.t0% 0.|vo

172,089,883 109.59% 162,376,18s 100.00%

C6ng nghiQp ch6 bi6n, chii t4o

san xual va pnan pnor orqn I(hr ool

nrrarc nono har hlrarc va dreu hoa

Cung cdp nudc; hoat dQng quan li vA

xt lY r6c thii, nudc thii

Xey dr,mg

BAn bu6n vA b6n le; sua ch&a 6 t6, m0

t6, xe m{y vi xe c6 dong co kh6c

VSn tni kio bni

Dlch vu luu trir vd 5n udng

Th6ng tin vi truyAn fi6ng

Ho?t dong tii chinh, ngen hang ve beo

hi6m

Hoqt dong kinh doanh bdt dQng sin

c6ns nehe

Hoat dQng crla Ding C$ng sin, t6

chirc chinh tri - xI h6i- ouin I'i nhi

Gi6o duc vA deo tio

Y tii ve ho?t dong trq ginp xe hoi

NghC thuet, lui choi va giai tri

Hoqt dong dich vq khAc

Hoat dQng lAm thue c6c c6ng viQc

trong ciic hO gia ilinh, sdn xudt sin

phAm vat chit vi dich vU tu tieu dirng

cta h0 cia dinh

Cdc khoin phii thu giao dich chung

ldrorin cria C6ng ty CP chung kho6n

T6ng du uq

166,641 0.10% 172,628 0.t1% 172,089,88t 100.00% 162.J76.18s 100.00%

1,437,003

10,972,188598,0261,835,957

109,931

237,830l5l,t5I319,66618,668,759

931,050

21.060/05.36vo

0.35vo

t.07vo0.060/o

154,238

22,636,557

25p22,633

3,326,8761,213,657

143,909

983,86r10,597,684591,8891,237,078

51,676

179,654

137,533

313,037t7,758,144

0.09%0.61%

Ngon hArg TMCP Sni Gdn - Hi Noi

20 Dg phdng roi ro titr dUDg

Ki ndv 81/03/2017)

s6 du iliu ki

DU phdng rui ro trich l{p/ho}n nh{p tong k}

Dy phdng gem do xu ly cac khodn nq kh6 thu hdi

(t67,263)

15,403560

Ngen hing TMCP sAi Cdtr - Ht N0i

Ch(mg khodn Ng do cac TCKT trong nuoc PH

2,643,609

4,903,00133,597'195

32,802

Q2s,728)

10,7s4,899

6,426,0472,599,'788

999,883

8,672,59'l(1,3r0,793)

999,879

8,439,974(t ,2s5,93'7)

Ngen hang TMCP Sni Gdn - Hi N0i

23 G6p v6n, ttiu tu diri hgn

C6c khoan ddu tu ddi han kl6c

Dy phdng giam gia diu tu dai han