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98,000.000,000 98,000,000,000(s,259.571,600) (i,259,571,600)

160,689.933,283 160.9i1.5,11,s55

73 8,922,9 83,480 42i,tr:':t ,.',7 8,5:13

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(f ing)iGirirr nslt6u citt phdng d0 bir clip ton thdt cac khoan

{tin dung. chilng khoan. dtiLr tu dli han)

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STT Chi tiOultn chi Thuyilt Liiy k6 ti'diiu nnm d6nti6u minh cu6i quy nny(2011)

L[y k6 til diu nimd0n cu6i qu! nny(2010)

7 Ti0n chi .j:iLr iLt. eop r 0n vio c/rc don r i lihitc3 l.in tl: : -l.i r lLr. rof \or: r.t'r erit dorr r i klr.ic

n Tiin.,hu,..t l:,.. r'a loi nhuiin dr-Loc chia rr,r cic kho:tn ,liLi

tu. qop \on dal lliln

Luu clruvCn tidn thuin til ho1t tldng tliiu tu'

III LLI'U CHUYEN TIE\ TL'' HO.\T DO\G TAI CFiiNH

I I Xng \ On (ltL'Lr le

, Iri'r' th.r tLr ph,it Ir.rrrlr giir ro co gii .lri lr:rrr co dLr Cii'rr' kiqn tinh vio vdn tLr'co ri cac lihoan r,on rar drii han l;.hiic. Trjn clti tlr:rulr t.rirr gi:i. ro uct gil dii irrrr ei cili cliitr l;.i.rrr' tinh vio vtin tr,L c6 r'iL cic l.ltoett r'on r11 drii hln khiic4 C6 tiLc tra cho cd dong. 1o. i uhr.rin cld chia- ,.l ^ , .i) i lcn clll I:t tliu.l co pllliu ngilll quvo fiin thtr tl,ru-c clo b,rir co phiirr rrgrn qttj

Luu chu'r'dn tidn thuin til hoat dQng tiri chinh

IV Lu'u chuy6n tidn thuin trong l

SIfi[TNgAn hdng I'MCP Shi Gdn - IIn N6i

THUYET VrINH NAO CAO TAI CHiXTI NruXr; rNQUY tV 2011

l. Thdng tin vG ngin hhng

Gi6y ph6p hoal ddng 0041-Nf t/Gp ngdy l3 rhring I I nirn t99jGi6y phep hoat ddng do NgAn hang Nha rru6.c Vi€t Nam cdp

lldl,lU" hoat d6ng cua NgAn hring ld 40 rrarn k6 tu.ngdy c6p gi6y phepOau llen.IIQi tl6ng QuriLn tr!

Ong D6 Quang HitinOng Ngur,6rr Vdrr I-d

Ong Ngu1,5rr Vdn I-Iai

Ong 1'rAn Ngoc l.inh

Ong Phan Iluy Chf,i' .-lrjng I ran lltoalOng Ld Kien'l'hdnh

Ban ki6m so:it

Ba Ddm N-eoc Ilich

Ong Ngu,r'6n lliiu Dri.cBa NgLryen lhi ll6ng U1,6n6ng t,uong Dlc ChfnhOng tliri'l'lranh'fAni

Ong Pham l lda Binh

Ban Tdng (]i:im ttiic

Ong Nguy,6n Vdn L6Ong Ddng 1'rung Dtlng

6ng Bui 'l'fn Nghi

Ong Ld Ddng Khoa

Pliam Van'l'hdng

Ngd 1'hu I id

Ninh'l'hi l.an Phuong

Chu tich

uy vtcn

Uy vi6n

uy vtenUy vien

uy vren

Thdnh vi6n d6c ldp

'l'ru6rrg ban

Phti'l'rLLong ban'l'hanh viOn

l'hdnh vi6n-l-hdnh

vi6n-l'hdnh

vien

Tdng Girim ddcPho'|6ng (iirim d6cPh,5'l'ting Girim d6c

Ph6'l'6ng Girim d6cPh6

.l'6ng Girim d6c

Ph6'l'6ng Clidrn d6c

K6 to6n truLdng

Il6 nhi6rn ngiy l6 rh6ng 6 nirn 200g116 nhi6rn ngdy l6 th6ng 6 ndm 200glld nhi6m rrgdy l6 thring 6 ndni 200glld nhidrn ngdy l6 th6ng 6 ndrn 2008116 nhi6rn ngdy l6 th:ing 6 ndm 200gI16 nhiern ngdy l6 th6ng 6 ndm 200gl]6 nhi0rn ngriy l0 thring 8 ndm 2010

l]6 nhiCrr ngAv l6 thring 6 narn 200ti116 nhiOm ngdy 20 rhring 5 n6rn 2009116 nhicrn ngriy l6 thring 6 nirn 2C)0gIl6 nhiem ngdr., l6 thring 6 nam 200gI]6 nhicrn ngdy l6 th:ing 6 ndm 200gt]6 nhi6rn ngAv 20 rhiing 5 ndrrr 2009

'l'Ai bd nhienr ngdy 08 tlrring 5 nitm 2007tl6 nhi6m ngdv 0l thring 9 n[rn 2006116 nhie m ngdy 05 thring 6 ndn 2007IJd nhiem ngA1, .10 th6ng,l nim 2009tltl nhiCin ngr)1, 0l rhring I I ndrn 2010116 nhi6m ngdy l5 thring 3 nam 20l ll16 nhi6rn ngd,v 27 thl,ngT ndm 200g

Ittl

\

Irg sri chinh so 77 - 'l'ran I Iung {)ao - e.iloi)n i(idrn - r'p.Hd N6i - Viet Nam2. Dic ttiOm ho4t dQng cria tii chri.c tin dgng

Ngdn hdng'l'hr"Long mai c6 ph6n Sdi Gdn - [{d Ndi (ciLr'6.i day goi tft ld .,Ng6n hdng") id mdrngdn hdng thu'ong rnai c6 phan vi6t Nam thdnh l6p rai nutic c6ng hda X5 h6i chu ngtrla Vi6t Narn

:SHBNgAn hing'I'MCP Shi Gdn - IIn NQi

voi thd'i gian hoat ddng ldr 40 ndm theo 0041-NII/GP ngi\v l3 thdng ll ndm 1993 cua NgAn hdngNhd nu6'c Vi0t Nam. Von didu le cua NgAn hdng tai ngal' 3lll2l20l1 ld 4,815,795,470p00 d6ng(Bdn nghin tiim trdm mudi lam ty bay trdm chin larn triiLr bon trarn bay rnuo'i nghin dong).

H6i so chinh cira NgAn hdng d4t tpi 36 77 - 'l'rAn I Iung l)ao - Q.l Iodn Ki6m - Hd Ngi - Vi€t Narn.

Tai ngdy3lll2l20ll,NgAnhdngc62574nhAnvien1f)iundrn20ll: 1889nhdnvi6n).

3. T6m tit cric chinh sich k6 to{n chii v6u

Chufrn mgc vir ch6 dd k6 toin rip dgng

Ngdn hdng trinh bdy ciic biio c6o tiri chinh bang clong Vi6t Nam (VND) theo l,uAt c6c 'l'6

chfrc 'l'fn dung, LuAt srjra d6i vd b6 sung m6t s6 didu trong LuAt cdc 'l'o chi'c Tin dung. cac chudn

muc k6 toiin Vi€t Nam vd FIQ th6ng K6 torin c6c t6 chiLc 1in dung Vi6t Narn.

Kj b6o c:io vh do'n vi ti6n tQ

Kj,b6o cdo cua NgAn hdng bit clAu tiL ngdy 01ll0l20l 1 vd k6t tliric vdo ngdy 3111212011.Don vi ti6n tO sfi'dung trong ghi chdp k6 todn la dong Vi6t Nam (VND).

4. Nguy0n tic ghi nhfn c:ic nghigp vg bing ngo4i tQ vir quy d6i

Theo h0 th6ng kd to6n crla NgAn hdng, tdt ca ciic n_ehi€p vu phiit sinh cia Ngdn hdng cluo-chach toiin thco nguy6n te. l'ai thoi di6rn cudi nArn, tdLi san vd c6ng no'c6 ngu6n gdc ngoai tC duo-cquy d6i sang VND theo ty gi6 quy dinh vdo ngdy l6p bdng cAn UOi te todn. Cdc khoAn thu nhAp vdchi phi bing ngoai tC c[ra NgAn hdng du'o-c hach toiin biurg VND thco ty gia vdo ngdy ph6t sinhth6ng qua giao dich mua b6n ngoai t6. Clh6nh lfch t1'' giri do dfnh gid lai c6c tdi khoan kinh doanhngoai tC duo-c hach todn vAo b6o cdo Kdt qua Float d6ng Kinh doanh vd loi nliuAn ae tai" ChdnhlQch tj'giri phrit sinh do quy d6i c6c tdi san vd c6ng no- kh6c bang rrgoai te sang VND cluoc xu lyvdo doanh s6 cfra c6c khoAn muc tuo'ng rrng tren bang eAn AOi fe todn viro ngdy ldp brio c6o tdichinh.

5. Chring khof n ttiu tu giir d6n ngiy clio h4n

ChrlLng khoiin no.' giiL d6n ngdy diio han ld ciic chiLng khoan co k!.han cO dinh vd ciic khoanthanh totin c6 Ointr hodc c6 th6 xric dinh duo-c r,'a Barr 'l'ong Gidrn'd6c c6 y dinh vd c6 khA nang giri'

cl6n ngdy d6o han. Ngdn hdng dang ghi nhdn ciic chiLng khoiin nA1 thc-o giri g5c cong ldi du thu trir'

ldi chd'phdn b6. Gi6 tri phu tr6i hodc chi6t khAu (n6u c6) cirng du'o-c phdn 6nh vdo gid tri ghi so cua

khoAn clAu tu. Ldi cluo-c du'thu hodc phdn bo theo phrLong phdp duong thdng. Chung kho6n drLo'cgitl'dtin khi d6o han sd drLoc xem xet ve khi ndng gidrnr gia. ChiLng kho6n duo-c lAp du phdng gidmgiri khi gi6 tri thi trud'ng rrho hon gi6 tri ghi so. Du phr\ng giarn gia duo-c ghi nh6n vdo bdo cdo ketqu6 hoat d6ng kinh doanh.

' sFl llNgin hhng I'MCP Siri Gdn - IIn NQi

6. Chri'ng khodn ttiu tu sin sing Ati nen

Chf'ng khorin dAu tLr sin sdng O6 ban lir c6c chirng khoiin dLro-c giil trong thd'i gian khong dn

dinh tru6'c. c6 thii duo-c b6n Ati Oap [r'ng nhu cAr-r thanh khodn hoac dc (r'ng pho voi trudng ho-p thay

d6i lai suAt, ti giii, hoic giri tri chfing kho6n. NgAn hdng dang ghi nhAn ciic chu'ng kho6n ndy theo

gi6 gdc cdng ldi du thu trir' l6i cho phdn bo. Cia tri phu troi hodc chi6t khdLu (n€u c6) cfrng duo-cphdn 6nh vdo giri tri ghi so cua khoan dAu tu. L5i dr-Loc drL thr,r hobc phAn bd theo phuo'ng phrip

du'dng thang. C6c chf'ng kho6n ndy duo-c d6nh gid dinh ki thco giii tri thi trud'ng vd du phdng giArngi6 tri se duo'c lgp khi gi6 tri thi trr,rong nho hon gid tri ghi so. Du phdrrg gi6m gi6 duo-c ghi nhdn

vdo b6o c6o k5t qui hoat d6ng kinh doanh.

7. Chrlng kho6n kinh doanh

Chfrng khoiin kinh doanh ld chirng khoan ban dau rlttoc nrua va ndln giir cho muc dfch kinh

doanh trong ng6n han hodc n6u Ban 1'6ng Gi6rn ddc quyet clinh rrhu vdy. NgAn hdng

SFITT

Ngdn hirng'I'MCP Sii Gdn - IIn NQi

o (l6c khoAn no- co cau lai tho'i han trir no tr()ng han thco thoi han duo-c co cdu lai.

Nhim -l. Ac' dtnri tiiu t'huon

. C6c khoAn no clua han tiL 9l din 180 ngay:r (-l6c khoin no co'c6u lai thoi han trd no- lAn dALr. lrit cdc khoan no- didu chinh kj' han trA

no- lAn dAu phdn loaivdo nh6m 2;

. Ciic khoin no- duo-c rniSn ho{c giirn ldi do khAch hdng kh6ng dli kha ndng tra lai diy dnthco hop cl6ng tin dung;

IVhdm 4: Nq'nghi ngd

. Cdc khoan no- qu6 han tit 181 den 360 rrgal ;

. Cac kl,oirn no- co c6u lai tho'i han trA ncr lAn dAu qu6 han du6'i 90 ngdy theo thoi han1ra no- duo-c co cAu lai lAn ddu;

. Cac khoAn nr..t co cau lai thoi han tra tttr lart th(L hai:

Nhim 5.' ,Nrr t'o khtr trnng ntut win

o Ciic khoin no'qu6 hpn tr€n 360 ngdy;. C6c khoirn no- co'c6u lai thoi han trA no lAn dALr qu6 lian tir'90 ngdy tro' l€n theo thd'ihan tr6 no'duo-c co'c6u lai l6n clAu;

. C6c khoan no- co' c6u lai thoi han tra no lin thrir hai qu6 han theo thd'i han trd no'cluo'c co c6u lai l6n thil hai:

. Cdc khoAn r.ro- co c6u lai thd'i han tra no- lAn thfi ba tro l6n, k6 cd chrLa bl qu6 harrhodc d5 qu6 hgn:

o Oirc khoAn no- khoanh. no- chd' xu' l;i,:

Theo euy6t dinh s6 +SZ|ZOO5IQD-NI{NN ngd1, 22 rhing 4 ndm 2005 vd Qu1e1 clinh so

l8l2007IQD-NHNN ngdy 25 th6ng 4 nbm 2007. ddi vtii c6c khoan no- qud han. to chfrc tfn dung

phAn loai lai viro nh6m no co riri ro thap ho'n khi NgAn hAng d6nh gi6 ld c6 d0 khe ndng thu hdi diy

clu ca g6c vd l6i; vd khrich hdng c6 tdi liOu. hii so'chimg rninh c6c nguydn nhdn ldrn khodn no- ndy

qu6 han duoc xiL ly, khic phuc. Ngdn hdng chu dong tu quyct dinh phdn loai cric khodn no- vho c6c

nh6m no- rui ro cao ho'n tuong ilng v6'i mf'c d6 rii ro khi xay ra.rn6t trong c6c truilng ho. p sau ddy:

. Khi c6 nhirng di6n bi€n bAt lo.'i til t6c ddng tieu cu'c din moi tru'ottg kinh doanh vdlTnh vuc kinh doanh:

r Cl6c chi ti€u tdi chinh cua khdch hhng hoSc I'hii nang trh no- cua kh6ch hang bl suy gidm;

. Kh6ch hdng kh6rrg cung cAp cho NgAn hdrrg cdc thdng tin tdi chfnh kip thoi. ddy dLrvA chfnh x6c dd NgAn hdng d6nh gi6 khdr ndng tra no'cua kh6ch hdng.

Du phdng rrii ro tfn dgng: ViQc tinh du phong cu llrel cltxrc cdn cri trdn c6c ty l€ 6p dung cho

timg nh6rn no nhu'sau: 1

SHTINgdn hing'I'MCP Sii Gdn - Hn NQi

Nh6m

I

2

3

4

5

Tii sin cii Ainn

LoSi,;l\o clu treu chLlan

No- cAn chti y

No- du6'i ti6r-r chudn

No- nghi ngd'-:;l\o- co Kna nang lnat von

- Nhd cua, vdt ki6n tnirc

, .,.;.,- lvlay Inoc. tntet ol

- Phuong ti6n vdn tai

- Dung cu quan l;f vd phAn rndm tin hoc

Tf lQ dg phdng cs th6

0%

5o/o

20o/o

50%

t00%

9.

l'di srin c6 Oinn dtro-c thi hi6n theo nguyOn gi6 tril cli kh6u hao liry k6. Nguydn gi6 bao g6rntodn bd c6c chi phi md Ngdn hdng phni bo ra dd c6 drro-c tai sAn c6 dinh tinh d6n thoi cliem dua taisdn d6 viro trang thrii sin sdng sir dung. Tdi sdn c6 dinh drLo-c tfnh kh6u hao theo phrLong phiip

.r - r: . ';.duong thdng de tru' ddn nguydn gid tdi sdn trong su6t thoi gian hfr'u dr-rng u6'c tinh nhu sau:

l0 - 25 nanr

03 - 05 ndrn

06 - l0 ndm

03 - 08 ndrn

Quydn sil dung cl6t drro-c kh6u hao theo phuong phAp duong thing phu ho-p v6'i Gi6y chgng).

nhAn quycn stL dung dAt. QLryCn sri'dung ct6t vd tho'i han clLroc glri rrhan theo giri goc vd kh6ng tinhkhAu hao.

10. Ti6n vh cic khodn luong cluo'ng tidn

Tidn vri cdc khodn fuong du'ong tidn bao g6m tiin rrdt. vdng, da quy, tidn gri'i thanh toiin taiNHNN. tfn phi6u Chinh phi vd cric gi6y td'c6 gi6 ngin han dLr cli6u kien chi6t kh6u vo'i NHNN. c6c

, .).khoan ticn gLti tlranh to6n vd ti€n gili, cho vay tai ciic t6 chiLc tfn dung khSc c6 tho'i han diio hankhdng qud -j thiing kO tiL rrgdy gu'i.

11. Cic cdng cg tdri chinh phrii sinh

C6c cdng cu tdi chinh ph6i sinh duo'c ghi nhdn trdn biing cdrr COi nA todn theo giri tri hoo dtingvdo ngdy giao dich. vd sau cl6 duo-c cl6nh gi6 lai theo giri tri he'p ly. Lo-i nhudn hoac 16 khi c6c cdngcu tdi clifnh ph6i sinh duoc thuc hi€n dtro'c ghi nhdn lrons b6o cao liet qua hoat d6ng kinh doanh.Lo-i nhuAn hodc l6 chtLa thu'c lri€n ducrc ghi nhAn vdo khoAn muc chenh l€ch d6nh girl lai c6c c6ngcu tdi chfnh phrii sinh tr6n bAng cAn d6i k6 torin vi clutrc kdt chuyen vdo k6t quA hoat d6ng kinhdoanh vao rhoi dicm cuoi rrdln.

SHTINgAn hhng TMCP Shi Gdn - IIe NQi

12. Ghi nhAn thu nhdp/ chi phf lfli

Ngdn hdng ghi nhAn thu nhdp til ldi vd chi phf ldi clrLoc ghi nliAn trdn bdo ciio ket qua hoatddng kinh doanh trdn co so'dr"r thu. drL chi.

13. Ghi nh$n thu nhf p lir phf vi hoa h6ng dich vg

NgAn hdng thu phf til' ciio dich vu cung cap cho klrach hang. 'fhu nhAp tir phi c6 thd chia thdnhc6c nh6m sau:

o Phf thu ti'viQc cung cifp cllch vU trong mQt thd'i 54ian nhiit tllnh: Phi thu tir.vi6ccung cdp dich vr-r trong m6t thdi gian nhdt dinh dut.rc du thu trong su6t thoi gian d6. phi ndybao g6m phf quan 11y1, phf nh6n ty thiic, hoa horrg ra ciic phi li€n quan ddn c6p tfn dung,qLran ly tdi s6n, phi quin Iy danh muc vd ciic chi phf quan ly cfrng nhu phi tu v6n khric.

o Phf thu ti'viQc cung ciip ttlch v7l giao tllch: Phi ph6t sinh til vi6c ddm phrin vd thamgia ddm ph6n c6c giao dich cho m6t bdn thil ba, r,'i du nliu'ddn x6p vi€c mua cd phAn hoacciic loai chri'ng khorin khiic hodc mua lai doanh nghiCp , dr-Loc ghi nhdn khi hodn t6t giaodich li€n quan. Phf hoac rn6t ph6n cua khoan phi ndy c6 li6n quan ddn vidc thr"rc hi6n rnotcdng vi6c nh6t dinh sd duo-c ghi nhan khi hodrn tAt .liiu kiCn ru.ong u.ng.

r-00t-Ni+

=c'1F-|.n

l.n

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SFIITNgAn hing TMCP Shi Gdn - IIn NOi

15. Ti6n mit, virng b4c, d{ quy

l'i6n nrdt bdng VNI).-.: ,.,:'l'iirr

rrrdt bang ngoai te

16. Ti6n gri'i t4i Ngffn hing Nhi nudc

'l-iOn gu'i thanh toiin tai Ngdn hdng Nhdnurica.. :-l

i0n gui phong toa (ncu co)

Ti6n gn'i kh6c

17. Tidn, ving gii'i t4i c{c t6 chric tfn dgng khdc

Tiin, viing grt'i khAng kj, hgn

- Ilang VNI).-:- ltang ngoal te. vang

Tiin, vting gri'i cti kj, hqn

- BAng VNDhl- rrang ngoar lc. vang

425,103.s83.283 201,359,461,905

31il2t2011

VNI)

31t12t2010

VNT)

293.734.281.,100

t31,369.30t.8tt3

129.346.189.805

12,0t2.272.000

3l l12l20t I

VNI)

31112120t0

VND

r.1.712.661.-l5B 505.232.494.164

J4,712,661.358 505,232,494,164

31t12t2011

VNI)

31112120t0

VNi)

3,158,245,174,699

3 .07 1 .464.87 6.998

'86.780.297.691

15,449,892,814,930

11.07I .11 0.4 I 4. 83 0

| .370.482.4n0,000'

5,972,692,782,04l

5,84t.526.306,888

131 ,t 66.47 5 .1 53

5,663,969,027,779

5.569.309,027.7',78

94.660.000,000

18,6011,137.989,519 11,636,661,809,919

SHIINgdn hirng TMCP Shi Gdn - II)r NQi

18. Chf'ne khorin kinh doanh

31ll2t20t I

VNI)

Chrt'ng khodn Ngt

- Chrlng kho6n Chinh phir

- Chf'ng khorin No' do c6c -|CTD kh6ctrong nu'6'c ph6t hdnh

- ChLi'ng khoiin No do ciic 'l'CK'f tronsnu'

SHItNgin hdrng'I'MCP Shi Gdn - IId Ndi

19. Cic c6ng cg tii chfnh phfi sinh vi c:ic tii sin 1ii chinh khric

'['6ng gid tri cuahqp d1ng (theo tygid ngdt, hi|tr ltrc

, !;ltnp Llong.)

T4i ngiy 3l thrlng l2 nim 201|

COng cu TC phrii sitth tiin ftGiao dich kj han tien t0 343.538.671.1l2Giao dich ho6n d6i kj han 54.944.689.800

398,493,360,912

1'4i ngiy 01 thring 0l nim 201I

CAng c4 TC phrii sinh tiin ftGiao clich kj,han ti€n t0 138.561.862.265

Giao dich ho6n d6i kj' han 49.902.858.800188,461,721,065

20. Cho vay kh6ch hing

Cho vay c6cnu6'c

t6 chri'c kinh

'[6ng girl n.i ghi s6 k€ iocin

(rheo ty' gici tai ngdy ldp bdo c'ao1

liri sun Gid tri tai .yunI un< no(conq no) t'on?

268.lJ70.2ti5.(r94 (264.220.677.395) 4.619.608.2{)9

54.440.22(r.400 (55.054.000.000) (613.773.6001

323,3 | 0,5 | 2,09,1 (319,27 4,677 ,395) 4,035,834.699

| 12.117 .439 "795 ( I :l9.903 "889. I 55 ) 2.2 I 3.550"64049.902.858.800 (55.0t6.000.000) (5.1t3.141.200)

192,020,29t1,595 ( t 9.1,91 9,889,155) (2,899,590,560)

31t12t2011

VNI)3t l12t'2010

VNI)

Cho vay chi€t kh6u thu'o'ng phi6u vd c6c,i

gra) to co glaCho thui tai chinhCiic khodn trA thay kh6ch hdngCho vay bdng v6n tai tro-, riy th6c dAu tuCho vay eOi vOi cric t6 chf'c, c6 nhdn nu'6.cngodi

Cho vay khiicNo cho vay duo-c khoanh vd no- chd'xri'ly

t6' cii nhAn trong 28.966.546"697.8r0

22.168.473.454

.2.270,922.1l410.71 8.810.674

203.274.991,859

24.270.102.929.486

450,000,000

20,g14,017.47;

9,687.046.606

29,201,979,995,911 24,301,153,993,562

SHTINgdn hing 'I'MCP Shi Gdn - Iln NQi

20.1. Phin tich chflt luqng no.'cho vay

No dLr ti6u chuAn:!,,

l\o- calr cnu y

No clu6iti6u chuAnNo- nghi ngd'

-iiN0- c0 Kna llang Inat von

20.2. Phdn tich du nq theo thdi gian

No rrg6n han

No- trung han

No ddi han

Clto t'u.t'cric TCKT

Doanh nghi0p Nhir nu6c trung uorg

Doanh nghi6p Nhd nuoc dia phuong

C6ng t1 l'NlIll Nhd ntL6c

C6ng t1 'l'NIIII

tLr nhin

C6ng t1'c6 phAn Nhd nuirc

^ , i ilL ong t) co pnalr Knllc

C6ng t1'hop danh

Doanh nghidp tu nhin

I)oanh nghiOp c6 v6n dAu tu nuirc tigoiri

Kinlr ti trip tlri

Cho vtrl' cti nltiin

Clto vut' klttic

31t1212011

VNT)

23.363,668.334,877

596.554,769,833

36,159,292.942

39,376.036,390

265,395,559.520

29,2114,979,895,911 24,301,153,993,562

31112120t0

VND

27.7u5.810.417.466

1e6.587.304.975

I e0.091 ,630.895151.147.495.684

278.343,046.891

3111212011

VNI)

3U1212010

VND

l 8,s00.620.547 ^412

6.405.239.834.03 0

4.299.119,514.469

15.595,701,01 3, 188

5,390.05 8,295.340

3.315,394,685.034

29,2$4,979,895,91I 24,301,153,993,562

20.3. I'hin tich du nq cho vay theo ddi tugng khrich hirng vir

3l/lzt20rl

VNI)

lo4i hinh doanh nghiGp

3U12t20l0

ol' VND 'h19,966,246,5.1 t,t14

1.327.10r.202.i t1

486. 1 04"i 01.097

2.638.13,1.521. I l0

5.3 85.5,12.70Ii.73 7

2.138.14i.28i.136

7.1 15.10,1.952.035

1.3 19.i3().000

529.1 35.389.i26

328..192.(r39.i 3i

I 6.867. I 99. 167

9.075.96 l.ll9 l.i9l

162.7'.71.+10.106

68.-17 t 3,720,5 t 2,092,554 56.46,1.55 468.tt29.,11J8.391 I .9i1 .66 3 3. 1 2 9..15 8.05 1 0. 1 .19.03 800.-50,1.985.460 3.2918.,1,r 4.572.9.19.,181.0s8 18.82

7 .32 I .603.339.586.91 7 6.6024.36 5.531.298.442.'166 22.760.00 600.000.000 0.00

, l.tl I 235.0.17.938.823 0 97l.12 418"702.3.16.512 1720.0(r 56.1 10,i64.t176 0.23

3l.0tt 10,568,i'91,827,030 43.490.56 t 2,450,073,978 0.05

29.20{.979.tt95.91 l t 00.00 24.301.153.993.562 100.00

ll

SrtltNgdn hirng 'I'MCP Sii Girn - Iln NQi

20.4. Phin tfch du ncr cho vay theo nginh kinh t6

N6rtg rtghi0p r"d I6m nghiOp vd thu1, san

Khar khoAng, ;, .; , ;( ()ne n-ql)rL'p cllc htcn. cllc llll)

Sart rtrlt ri phln phoi di9n. khi d0t. nrroc, . !.1 r.ntirrg. hrri rruric r a dii'tr lror khong khi

Cung ci1-r r-rtxic: hoat cl6ng cluan 11- vir xu lyirdc thai. nuirc thzii.

Xiiy cltmg

Blur buon r"ir bin le: sua chiLa 6 td. md to. xcmdv l'd xc co cl6np co kheic

Vdn 1ai kho bdi

Dich vu luu tril vd an u6ngi ,-lnol)g tln \ir lrrr)cn Uton:.1

I lolt rltjrrp tii chinlr. ngirr hing r a hiro hiirn

Iloat cl6ng kinh doanh bit cl6ng sdn

Iloal dong chuy'en rndn. kl-roa hoc vd cOngn-uh0

I loi.rt dorre lrAnlr chinh r i diclr vu ho troHoat dirrrg ctrr dang ( ting sxrr. to chrrc chinlttri - ri hoi. qtran lj nlrir nuric. an rrirrh quocGiiio cluc vd ddo tao

Y te r r\ hoal dQng 1ro. giirp rd lrdi

Ngh0 thulit. vui chor i,r\ girii 1ri

[1oa1 d6ng dich vLr khtic

I lo4t dQng ldm thu0 cac c6ng I'iec lrong ciich6 -eia dinh. shn xuAt siin phdrn vdt chit vAdich vu tu ti6u dirns cua ho eia dinh

Iloat dong cua ctic t6 chuc vd ctr quan qu6c t0

3l /12/201|

VNI)

3Ut2t20ro

VND

5.67

9.9,1

1,1. l0

-..L /

0.00

I 1.09

1 5.62

6.3 8

031

t.90

2.'14

t.07

0.0t)

0.00

0.06

0.72.

0. 19

2,t.54

I-12

0.l7

0.04

29,204,979,895,911 100.00 24,301,153,993,562 100.00

3.181"536.21 1.953

2.676.49t.661.720

4.76,1.26-1.620.u 82

486.,152.220.19ti

6. t 95.395.50i

3.347.79 L52e.867

6.703.ti33.9(r,l l I6

1.553.4 17.65-t..185

1.5 I 4.502.8.17.()79

2 ti.032.3 51.04.1

,163.209.09 1.,126

1.392.0,18.75 l. 173

24.,i5 8.268.602

32.697.03,1.5 8,1

5.3 03. 1 0n. ti0 1

13.4U0. t05..1 l2

,15.3,16.087"ei I

12.709.-i,l t.000

2.732. 165.745.r1 l9

185.737"7,1() 1,15

35.307 ,t2().672

f0.89 1.378.592.027.914916 2.416.171.015.953l(r.31 3.426.000.069.370

1.67 794.000.0t6.077

0.02

11.,16 2.696.000.054.589

22.95 3.796.000.076.8625.32 1.550.416.920.6935.19 76.05.1. 146.9020.10 703.583.124.9,161.59 593.753"012.022

4.7'.1 26t.205.715.790

0.08 13.756.873.3 l70.1 1

0.02 15"600.000.3160.05 175.000.003.54-10. lo 45.7{xt.Ouo.gl50 0 l 5.e6i.88 l.ti t l. H59 36 345.336.142.343

().(r | 40.-{)(r.950.665

0.12 9.393.000. I 90

S6 tigu du ntr dAu kj, 31112120.10 duo'c phAn loai thcoban hdnh kdm 'fhdne tu' so 2112010/TT-N[{NN0110712011.

nginh kinh td quy dinh lai trong Phu lucneirr, 08/f012010 bit dAu ci, hi€u luc

\t/tir

t2

ST{BNgffn hirng I'MCP Shi Gdn - IIn Ndi

21. Du phdng rfri ro tin dgng

Ki niiv

Sii ttu dAu k)Du phdng rui ro trich lAp trong kj'/ (IlodnnhAp du'phdng trong k!)Du phong gi6m do x[i' ly c6c khoin no- kh6., , ;., : x Ithu hoi bang nguon du'phong

Didju chinh tdng/ (giam) kh6c

s6 ou cu6i ti'

Ki trutfc

sii au dAu kjDu phdng rii ro trich lpp trong kj'/ (HodnnhAp du phong trong ki')DLL phong giarn do xu' ly c6c khodrn no- kh6' ' ). ':.thu hOi bdng nguon dtL phdng

Sd du'cudi kj,

22. Chvng khofn diu tu

22.1. Chirng khorin dAu tu sin shng A6 Uen

Chrt'ng kltodn Ntr

Chrh'ng kho6n Chfnh phu

Ching kho6n No- do cric TCTD khric trongnu'

SI{I}NgAn hirng1'MCP Sii Gdn - tln NQi

22.2. Ch{rng kho6n diu tu gifr d6n ngiy dio h4n

ChrlLng klio6n Chinh phiChiLng kho6n No do cric TC'fD kh6c trongnr"L6c phiit hdnh

Dr-L phong giAm giri chring khodn diu ttL giird6n nsdv d6o han

23. G6p v6n, diu tu diri h4n

- Phffn tich giri tri diu tu theo lo4i hinh diu tu:

DAu tu vdo c6ng ty con

Ciic khoan dAu tu vdLo cdng ty li0n doanh

Ciic khoan dAu tu vdo cong ty liin k6tCiic khodn dAu tu ddi han kh6cDu phong giam gid dAu tu ddi han

Danh muc cfc khoin tliu tu, g6p viin

TCn c6c don vi

C6ng I CP DAu tu r,'d P'l'Cao Su Nghe An

C6ng 11 CP quan l! qLrl- ddu tu Sdi Gt)n - iId NQi

Ci6ng t1 CP CK S,ri Gr)n - I lii NQi

C6ng 11 (ll) (lao Su Pl.rrLtic Iloa

C6ng t1 CI'}Pli6t'l'rien An Vigt

C6ng t1 cd phAn bao hi0ni SI IB Vinacomin

Ci6ng. 1-t Ct' ddu ttt xd1 cltLng i,ll,AMA - SIIB

C,lrrg tr ( P tha thro Sllll DA Nang

Cting t1 (iP 'l'hu1"san (ientraco

C11 CI'} I)Au tu l'di chinh Nam ViOt

C6ng tr C'P BDS An I'hinh

C6ng tr Qr.ran Ii ncr vd khai th6c tdi san SI lll

C6rrg 11 C'P DAu tu BDS (icntraco

C6ng t1 l'Nllll Strn l.ini, , ':'',( ac [i] cltuc Klnn tc Kll3c

2,61 0,840,000,000 1,300,000,000,000

3Ut2/2011VNI)

31t12t2010

VND

I .000.000.000.000

1.610.840,000.000

I .000,000,000,000

300,000,000,000

3111212011

VNI)31t12t2010

VNI-)

t0.000,000.000

3 34.289.000,000

20,000,000.000

3 17,389,000,000

351.289"000.000 337.389,000,000

nhu sau:

3Ut2t20lr 3Ut2t20t0

: o/" so'(, ra goc-' n tltlt. o/t so'trlS fOC- nu'u

12,000.000.000 8.00

5.200.000.000 10.40

82.1 80.000.000 8.2227.859,000,000 0.62

r.000.000.000 2.0030.000.000.000 r0.00

11,000,000.000, 11.00.

550.000.000 I 1.008.000.000,000 9.901,500.000.000 1^25rJ.000.000.000 10.00

20.000.000.000 100.00

2,s00.000.000 5.00135.000,000.000 10.69

9.500.000.000

600.000.000 0.40

5,200.000.000 r 0.40

82. t 80.000.000 8.2?,27,859.000,000 0.62

1.000.000.000 2.0030,000.000.000 10.00

u,000.000,000 1 1.00550,000.000 I 1.00

8,000.000,000 10.00

1,500.000,000 I .2_s

8.000.000,000 10.00

20,000,000,000 100.00

2.500.000.000 5.00135,000.000,000 I 0.69

4,000.000,000

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E

6l€ra)r.)t\

(\Inco

alr-6l

6l=lal6la.lal

00

€

V)r-.rorO\c-->6*,^.-1 "'t ,A € 4 ,-;tf,.gs6.i*;.o€i.-.?.r-ta'n ;q s?-.-=q=.O'+s+=c.- -). + :. Q. 5\.?N,-t7',h;roar-

cc

No\\..,cO

l?x,r5f-r-Oao-sFN€-oJ="fO-=Orfr\'-19.c-*:c'6aOroYr*\- ,^-;Qu,isC€o.o{t\|-r-I-\qR+U)€€--*'.F

rfiCn,r*al^lrar.+cijro€\q5 3n -lOCs'*i65er-.;,d.o..rI\\i *; 1Qq',-;-.o-\\OA'^: >-=^ac\@tO' .l *j

tfr rg - "^

CaF-O^,r: O\.{= -\€OldiO\ra .a -+ ?i 6lq.!\dt)=O\N---rOlfi 6l a.

- OOvlO-cc-F

o\\%tr\

taO\^,rxt-l{6lnicO\q€--f +.1s;t Rrvi rl ,n ac -ID=R ;8\1d r

o\

6lO^"N

=SG'hqq- ':c$l-civit-ra\qq+ o\O\ a- ..i \^O.o;'X€^ CO^ i *;|,)**-=

o!

= .6.:J

:an

\

SH TtNgfrn hing I'MCP Shi Gdn - IIn NQi

25. Tni sin cd dinh vd hinh- T'ing, giim thi sin ci5 dinh vd hinh ki'ndry:

I)on ,-i tinh. L'ND

Khorin mqc

NguyOn gi6

56 du'ctflu kyS6 tang trong kj,- lvluu trong k)56 girim trong ki,s6 ou'cuiii hYGid tri hao mdn lu!56 ou'rtdu ky56 tang trong kj,- Khtiu htto trong ki'

56 ginm trong k]sti rlu'cu6i hY

Giri tricdn l4iT4i nghy ddu k!

. i., .I ar ngay cuor Ky

473,434,136157,667,590

157,667,590

euv6n s['dqng ddt Phin rnonr r i tinh 'l'irj,.san c6 clntr

i hinh kh6c c0ng

1,380,377,188,421 5,9[lll,J 10,020 20,000,000,000 1,406,365,498,441650,274,165,640 47,523,71(t,495 1,983,080,310 699,780,962,445650.27.1.165.610 17,523,:16,,195 1.983,080,310 699,180.962.415

21,983,080,310 2,106,146,460,886

3,291,957,009 3,000,684,696 6,766,016,44110,772,165,623 1,249,066,911 12,178,900,124t0,772,t65,623 1,219,066,911 12,178,900,121

2.696,353,011 16,999,315,304 1,399,599,422,000

'l'ing, giim tiri slin

Khotin mqc

Nguy6n gi6

s6 ou cau xy56 tlng trong k!- Muu trung ki,56 ginm trong kj56 ttrr cu6l tyGi6 tri hao mdn luf k656 du diu t]Sii tlng lrong ky- Khtitr hao trong kj'-'l'dng khtic56 eirim trong ki-'l-hanh b',, nhm)'ng bcin- Gictm khdr:s6 ou cu6i tryGi6 tri cdn 14iT4i ngiry dflu k]

. i., .| ?l nga)'cuor Ky

"6 Ointr vd hinh kj'tru6c :

I'hiirr m6m viQu1'6n sti'dqng tlSt tinh

I)rtn vi tinh. l'NI)'l'rii srin c6 Clnlt

v0 hinh kh6c Cong

705,385,289,42 1 ,1,557,05ti,1 94" 674,991,899,000 1,431,251,826671.991.899,000 1 ,13 | 25 t,826

20,000,000,000 729,942,317,615- 676,423,150,826-- 676,123,150,826-

ffi8,3l0,02020'000,000'000|,406,365,498,44|

322,000,000

151,434,736

151.131,736

700,000,000

2,592.390,133

L51 I .098,681

I ,05 | ,291,152433,124

133, I 21

I,333,000,000

11667,684,696

t,001,t75,827663,508,869

2,355,000,000

4,41I,509,565

2,696,709,211

t,7 t1,800,321433.124

13 3,1 21

705,063,289,421 3,857,058,194 18,667,000,000 727,587,347,615

1,379,903,753,685

l7

SH}}Ngdn hing TMCP Sli Gdn - IIn NQi

Danh mqc Quy6n sii'duns dAtKTiOAN MUC

QUYEN SU DUNG DAT SO 16-,18 DL HOA BINH-cAN THO (412,4M2)QSD DAT SO 31 LTK NR:18,2M2 DArCHUNG:31O,5M2 (NHA O.NGOAN B NHAN)QSD DAT 31 LTK DTR:32,8M2 DTC:310,5M2(NHA O.THAN B.MINH)QSD DAT 35A LTK DTR:32,8M2 DrC:49,2M2(NHA O GIA B.THO)QSD DAT 33A LTK DT:37AM2 (NHA O.VYB.THOA)QSD DAT 35A LTK DTR:34,9M2 (NHAO.NGUYEN B.AN)QSD DAT 338 LTK DTR:26M2 DTC:7,4M2THUA:17011F (NHA O.DUNG B.THANH)QSD DAT 358 LTK DTR:'1O,7M2 DTC:346,6M2THUA:17011F (NHA O DUC B.LAN)QSD DAT 358 LTK DTR:15M2 (NHA O.KHANH)QSD DAT SO 35LTK DT SAN:53,8M2 DT DATCHUNG:395M2 (NHA O.QUYEN)QSD DAT LO A21 NGUYEN VAN LINH,NAMDUONG,HAI CHAU,DN SO DO BE 579491QSD DAT SO 35 LY THUONG KIET HOAN KIEMHA NOI SO DO 88916410QSD DAT SO 35 LY THUONG KIET HOAN KIEMHN SO DO 88916409QSD DAT SO 35 LY THUONG KIET HOAN KIEMHA NOI SO DO 88916408QSD 1O VONG DUC (HO NHA NGUYEN THI CUC)QSD SO 1O VONG DUC(HO NHA ONG THAQSD NHA 31 LY THUONG KIET(BA KIENQSD 175.177 NHA TRANG KHANH HOADAT 358 LY THUONG KIET(HONHA ONGQSD SO 01 NGUYEN VAN CU DA LATQSD TUYEN SON DA NANG (41.531M)KHU DAT TUYEN SON DA NANG (6.157,QSD 14HA HOA MINH LIEN CHIEU DA NANGQSD DAT CLB SHB DA NANG(CO TG SD 50NAM)QUYEN SD DAT 33 LY THUONG KIET HAQSD DAT SO 31 LY THUONG KIETQSD DAT 77 TRAN HUNG DAOQSD DAT SO 33 LTK, 6,8 VONG DUCQSD DAT TAI CN CAN THO - 138 . D"3-2.TP.CAN THOQSD DAT TRUONG XUANQSD DAT BINH THUYQSD DAT -GARAGE XEQSD DAT THANH QUOIQUYENSU DUNG DAT NHA 89 NGUYEN VANLINH-DNQUYEN SU DAT NHA SO 91 NGUYEN VAN LINHQUYEN SU DUNG DAT

3t/12/2011 3t/12t201067,335,000,000

38,104,105,500

61,769,634,500

43,846,530,500

43,843,170,500

43,837,170,500

Atr, qjq 6ri6 nnn

56,578,267,O0O

100,900,535,500153,241,930,000

63,253,416,640

101,472,527,OOO

245,332,905,00O

239,815,317,000

30 449,760,00022,523,467,OOO43,705,068,00014,O37,226,100

107,220,759,OOO7,483,603,600

129,13A,454,54618,473,400,00037,518,036,000

7,257,497,674

126,528.711,58012,4B1,587,00078,319,970,00049,001 ,464,795

650,OOO,OOO

t'300,ooo,ooo637,A12,OOO40B,OBO,OOO

253, BOO,OOO4,376,174,OOO

4,376,98O,4005,211,535.400

67,33-5.000.000

38.1 04.1 05.500

6l,769.63,1.500

.13,846.530,500

43.843.170,500

43,837,170,s00

65 575 555 000

56.578.267.000100,900,s3 s.s00

l 53,201.930.000

30.449.760"00i)22,523.867 -0004 3,705,068.00018.o37,226,t00

lol ,220,759.0007.483.603,6()0

t29 ,138.454,5,1618,473.400.00037.5 I ft.036.000

1 ,4 | 5 .565 "264126.528.71 I .5ttO

12,88 I .587.00078,3 1e.970"000

49.001.46,4.19s

650"000.000300.000,000637,812.000408,080,000253,800.000

4.376.114.0004,376.980.400

5,2 I1,535.,100

I,379,903,753,6852,{130,02{1,251,735

l8

SH TINgdn hing I'MCP Shi Gdn - IIA NQi

26. Tni sdn C6 khric

Cric khoan lai. phf phai thu

Chi phf x6y dung co bdn do'dang

Cdc khodn phiri thLr (*)

Du'phdng riri ro cho cdc tdi sAn C6 khiic

Tdi sdn C6 kh6c

(*): Kh6ng bao g6m tdi

27. Chc kho:in no Chinh

sdn thu€ thu nhAp hodn lai vd ciic khodn phAi

phfr vi NIINN

5,587,414,201,213 4,261,547,,444,413

thu til c6c giao dich n0i b6.

3l t12t2011

VNI)

3111212010

VND

1,672.259.197.751

53.820.545.107

t.7 65.076.108,073

2.0()6-258,350,282

979,580.778.436

t67.766^500,923

1,623,392.948.1 38

1,490,807,216,916

3til2t201|

VNI)

31ilzt2010

VND

Vuy NIINN

Vay tdi cAp von.chiet fnar. t6i chi6t kh6ugi6i'to c6 gi6

Val khric

Va1, BQ Tiii chinh

Cdc klrorin ngr khdc

28. Ti6n, ving gfri cic td chrlc tin dgng khdc

Tiin, r'ting gfri khing kjt hqn

- Bing VND^l- Bang vhng vd ngoai t€

Tidn, vcittg grt'i cti kjt hgn

- Iling VNDrr J- Bang vdng vd ngoai te

2,1l14,554,872,526 903,716,150,812

2,184,554,872,526

2.1rJ4.554.872.526

903,716,150,812

903,716,1 50,8 l2

31il2t2011

VNI)

31112t2010

VND

3,07-J,462,954,9Io

3.013.432,231.136

30.1'23.t74

I2,83 5,620,442 "000I t.752.564.442.000

t.0u3.056.000,000

4,960,133,659,390

4.960,01 8.877, r 36

114,782.254

8,3I1,405,160,554

8,089.399. 160,5 54

222,006,000.000

13,271,538,819,94415,909,083,396,910

l9

SH ItNgAn hing I'MCP Shi Gdn * Irn NQi

29. Ti6n gfri ciia khrich hing

Thuy61 minh theo lo4i ti6n gfri:

Ti€n, viing gtii khAng kj, hqn''..:-'l-iin gu'i khong k! han bang VND

- l'iOn gu'i khdng ky'han bing vdng. ngoaire

-';Ti?n. viing gni cd kj hgn- f i6n gili c6 kj,han bdng VND

-. :.- Ti0n gui co k1i han bdng vdrng. ngoai te

Ti\n gri'i vin chuy\n rting

-.;Iren gtfl Ky qu!

31t12t201|

VNI)

4,295,134,807,545

3.6i4. 145.934.034

660,988.873.51 I

30,363,221,310,774

28,369.402"67 5.274

1.993.8l 8.635.500

6,902,523

156,283,861,013

31il2t2010

VND

4,167,896,3 77,5 26

3,t 57,816.940.298

410,079,437.229

21,3 54,186,408,455

19,608,605,010,047

1.7 45,581.398,408

3,787,913

I 18,75 5,4 58,973

30. Vdn tiri trcr, iiy thric dAu tu, cho vay td chric tin dqng chiu riii ro

3Ut2l201l

VND

Von nhAn tdi tro, uy th6c d0u tu, cho vaybing VND,,:Von nhdn tdi tro, uy thiic dAu tu, cho vaybing vdng, ngo4i t0

226,386,012,419

31,87 4,646,881,855 25,640,842,032,967

3Ut2l20ta

VND

225.463,080,000

922.932.419

379,506.900,000

891.341,657

380,398,241,657

20

SFI}INgAn hdng TMCP Sii Gdn - IIn NQi

31. Cric khoin nq kh:ic

Cdc khotin phtii tri nQi bQ- Clac khoan phai tra c6n bd nhAn viOn

- Qu! tro- c6p m6t vi6c ldm

- Qu! khen thuo'ng. phtic lo'i

- Cric kho6n phAi tra ndi b6 khric

Cdc khortn phai tri bdn ngodi- C6c khodn phai trA vi: xdy dr,lng co ban.mua s[m TSCD

- Thu6 GTGT

- Thu6'fNDN

- C6c khoan phdi n6P Nhd nu6'c kh6c

- Ldi tra tru6'c

- Chuy€n ti6n phai tra

- C6c khoan phai tra kheic

Dy'phing rfii ro khtic

- t)u phong O6i vOi cac cam k€t du'a ra

- Du phdng cho c6c dich vu thanh toiin

- I)u' phdng rfri ro khhc (Dtt phdng rui rohoat tlong, khr)ng hoo gotrt d4r phong khuc

ddi vA'ifui san Cri ndi bangl

1.85 7

293.817.125,426 207,286,346,028

3t ll2l20l I

VND

31112t2010

VND

22,869,898,678

158.853.380

I .241.645.1 5 1

15.239.355.52B

6.230.014.619

244,632,284,564

6.033.484.3 70

718,425.087

e5.312.509"977

4.993.861 .5 l4

I I .1 08.288,5 l4

34.213 ^019,077

e2.2s2.636.025

26,314,942,184

26.314.937.327

19,551,020,824

137,974,640

1,322.876.428

t3,646,236.520

4,443.933.236

179,805,656,551

6.468,100.000

1.635,520,668

117,746.533.652

5.44A,416,938

10,429,561.609

2.807.561.550

35.277.e62.t95

7,929,668,653

7.929.668.653

2l

cla.l

sG"eF+:^o0o(\"t'd.i=

€a6!,.f,) aO!rvln

\o o\ \o a=o+trF-€al\oo60\F- 6l o\FOiO\O= c{

tr6Xtor)^ie 3, ;3 4.r ; ;:jn€c€Frao .a

r^rl= .t6l+al a.lai a.li/ rAV)

rnro,r\?o F- I--\g€la) ('\(^l e o.tF\o

lnrlc.lla)ln

+a.,

la)

=ra

tlfnl

ll

alrn

ao

I

t\."lar

00

o\ \o \o; tr- l-t.) al c\F-6cOO\Ft+a.)ca

v')

a-lnca

=

= .E .rE= ,=,A .r. '3 '. = =J="Dr.r1:^8.='4,:E(tSo== .= '= eD t :-y i

'rt, .=

=-+=Fb=o.3=''3c.,5 ..1 ? a iJ) .,o ,o ? !'7.a, J = E 5. = = = ==/Jc,J:G.=Ov-FSieaS-U'3

I

I

(6.

o.9

lF,'lf

^n-

'>.POJ ! rh

eboi= -='.o.(O X€ r€ Q' =' .rA F F J -F

lzt

b!' =:VE

SHBNgdn hhng I'MCP Shi Gdn - HA NQi

33.'I'hu nhip lei vh cic khoin thu nh{p tuo'ng tu

Thu nhQp tdi tiin grii

Thu nhAp ldi tidn giLi khdch hang

ThLr ldi cho vay

Thu lhi tiL kinh doarrh, d6.u tu chrlmg kho6nNnThu khtic tir hogt dQng tfn dqrng

34. Chi phi lfli vir cic khoin chi phi tuong tq

Trd lai ti0n gu1

I ra lar nen vay

Trd lai ph6t hanh gi6y to'c6 gi6

- . ,-. .l i

Tra lai ti€n thu€ tdi chinlt

Chi phi hoat dQng tin dqng khdc

35.LZLilt6 ttruAn tir ho4t dQng dich vg

Thu phi dlclt vqt

- Hoat dQng thanh tohn

- IIoqt d6ng bao I6nh

- I loat d6ng ngdn qu!

- Dich vr,r dai ly

- Thu phi dich vU kh6c

Chi plti dlclr v4t li€n cluun

- IIoat ddng thanh to6n

- Iloql d6ng ngdtr qu!

- Chi phi dich vu kh6c

Lai/16 thuin til ho4t dQng dich vg

Quy IV.201l

VND

Quyf IV.2010

VND

2,080,461,322,918

3 65.793.048.305

r "335.975.576.313

378.692.698.300

I43,405,403,8 5 7

1,200,840,385,405

r 57.842.094.s8s

1 49 ,511 ,729.243

293,486.s61.577

98.913.54r.s78

2,223,866,726,775 r,299,753,926,983

Quy lV.20l1

VNt)

Quj IV.20l0

VND

1.426"183.115,848

95.622,624.655

166.607 .533,694

3 85,483,259

77 5,654,325,188

17,893,940.259

94.782.430,154

295,621,263

1,688,798,757,456 888,626,316,864

Quy IV.20l IVNI)

Quy IV.20l0VNI)

126,385,592,720

24.198.553.072

70.811.83 I ,345

l,860,s 18,662

9.761.403

2e-444,928-238

(9,202,854,856)

(3,368.286.715)

(se 1.389. r e4)

(5.243,178.947)

2I,088,616,842t2,697,908,152

4,469,862,136

l .689,243,0 I 6

5.109.23ri

2,226,494.300

(7,503,270,862)

(2.107.s31.299)

( r ,1 8s,034,s70)

(3,610,698,993 )

13,585,345,980| 17,182,737,864

ST{BNgdn hirng I'MCP Shi Gdn - Ife NQi

36.l,ailt6 tnuan tt hoat ttQng kinh doanh ngo4i hiii

Thu nhQp tir trout ctQng kinh doanh ngogi hii

-'I'hr"r tu'kinh doanh ngo4i t€ giao ngay

- J'lrr.r 1r-r'c6c c6ng cr,r tdri chinh ph6i sinh tidn te

Chi phi hoat ttQng kinh doanh ngoqi hdi

- Chi vd kinh doanh ngoai t€ giao ngay

- Chi vd c6c c6ng cu tii chirrh ph6i sinh tidrr te

Lail16 thuf,n tir ho4t it6ng kinh doanh ngo4itrOi

484.819"575 19,543,177,828

Quli IV.20l1

VND

Quy IV.2010

VND

31,581,493,513

19,319,079.945

t2.232.413,568

(3 I ,096,673 ,93 8)

( 16.9 r t.644,996)

(14,185,028.942)

43,528,211,278

39,771 ,077 ,629

3,7s7.133,649

(23,985,033,450)

(13,222.927 .559)

(10,762,105,891)

3t. Lail16 thuAn tu hoat

Lail16 thuin tu hoat

dQng mua bin chring khofn

dQng mua brin chrlng khoin

kinh doanh, chrlng khodn diu tu

kinh doanh

Quy IV.20l1

VND

Qu;f lV.20l0

VND

Thu nhap tir mua b6n chung khoAn kinh doanh

Chi phi v0 mua b6n chrmg kho6n kinh doanh

Dq phong giam gid chimg kho6n kinh doanh

Lf,il 16 thuffn til mua bin chri'ne kho6n kinhdoanh

0

1,1

s [{f}NgAn hing'I'MCP Shi Gdn - IIn NQi

l,iril16 thufin tir ho4t dQng mua bfn chring kho{n ttiiu tu

Thu rrhdp tu mua bdn chLmg kho6n ddu tu

Chi phi uc mua bdn chrrng khodn ddu tu

Thu hodn nh|p dU phdng giam gi6 chtmg khodn ddu

DrL phong giam gid chung khodn d6u tu'

LAil 16 thuin tir mua b6n chri'ng kho6n diu tu

Quy IV.20l1

VNI)

Quf IV.2010

VND

6,41',7 .115,905

(12,848,1 83,825)

( 1,3 i 8,3 17,000)

19,336,490.106

(1,656,367,301)

(7,689,384,920) 17,680,122,805

38. Thu nhfp tir g6P v6n, mua c6 Phin

C6 trt'c nhdn dur:tc trong lry t* g6p v6n'; ,.1

m.ua co pnan

-'I'il'chri'ng kho6n V6n kinh doanh

- 'l'u'chirng kho6n V6n dAu tu

- I u'gop v6n. dAu tu'dai han

Quj IV.20l I

VND

Qu;i IV.2010

VND

54t ^726"000

5l t.726,000

1.276,192,500

75(),000,000

2,O26,192,5OO s4t.726.OOO

25

SFII3Ngin hing I'MCP Shi Gdn - Iln NQi

39.L^il16 ttruin 1t ho4t dQng kinh doanh khric

Thu nhQp tir hogt dQng klttic

l-l"rr-r tir ho4t d6ng kinh doanh khac

Clti ptti li6n quun diin hoqt itQrtg klttic

Chi pl-ri li€n quan den hoat dong kinhdoanh kh6c

l,ai/ 16 thuin til'cric ho4t itQng kinhdoanh khic

40. Chi phf ho4t dQng

Chi nQp thui! vd ctic kltoiin ph{, IQ phi

Chi pltf clto nltdn viAn'frorrg do:

- ('hi ltLcrng va plru c6p- Cac khoan cl-ri dcing g6p theo luong

- Chi trs cAp- Chi 6n ca- Chi c6ng tiic xd hQi

Chi vi tdi stinTrong do:

- KhAu hao tdi san c6 dinh

Chi cho hoclt ctQng qutin ljt cdng vlt

Irong d6:- C6ng t6c phi- Clri v€ chc hoat d6ng do2rn th€ cua

Chi nQp phi biio hi6m, biio ittim tiin gii'icriu klrdclt hdng

Chi ph{ ctqt'phbng (kh6ng t[nh chi ph[ cltrphdng rtii ro tin dqrng nQi vit ng.octi bung:du phing g,iant gia chftng khoan)

Chi phf hogt dQng kltdc

Qr-ry1 lV.20l l

VND

Quli IV.20l0

VND

18,191,569,993

18,191,569,993

(5 72,3 75,8 59)

(5 72,3 75,8 59)

845,199,976

815. t99,976

( I 43, lJ3,57l )

( 113.I 33.571 )

17.619.191,134 702.066.105

Quy IV.20l lVND

Quy IV.20l0VNI)

I1,245,331,621

140,221,152,624

125.836.371.264

8.363.132.7l56.425.000

6.Ol5,223.645

5 5,993,5 79,9 76

U

23,929.202-244

I20,220,897,4I4

4.258,373.12952.098,500

6,727,915,303

1,894,848,953

12,141,535,859

88,767,308,559

78.493,869.383

5,287.55 8.950

901 .l 37.9854,084.742"241

20,951,805,913

3,443.996.336

I I I,946,642,297

5,418,5.45,1l542.996,363

4,5 58,029,803

238,365,322,431J36,303,725,891

Ll)

SFIBNgAn hirng'I'MCP Shi Gdn - IIn NQi

41. Ti6n vh c6c khoin tuong tluo"ng ti6n

3111212011

VND

3111212010

VND

'I'i6n gu'i tai Ngdn hdng Nhd nu6'c

Ti6n gu'i thanh to6n tai c6c TC fD kh6c

Tidn gui vdr cho vay c6c TCTD kh6c co kjr

h4n kh6ng qu6 3 th6ng

42.L,o4ihinh vit gif tri thi sin th6 ch6p cira khfch h:ing

13.726,939,650,827 9,501,678,182,455

Girl tri t4i thd'i diOm lip brlo crio

Ti€n rl6t vd c6ctai qu!

khoiin tuong duo'ng ti6n 425.103.583,283

34.712.661,358

3. I 58,245,174.689

10. r 08,878,231.4e7

201 ,358,461,805

505,232,494.164

5,972,692,782,041

2,822,394,444.445

Gi:l tri sd sich

3ll12l20lr 3lll2l20l0 3ll12lz0rr 3|12120r0

tJsl rl0ng san

D6ng san

Chung 1u cti gid

'Idi san kh6c

26.87 6.564.862.146

18,'7'/9.778.380.727

3. I 3 2.01 7.5 75.73 3

13.077.086.815.770

19.207.8lJ2.06u.970

7.496.185.415.-lll

6.43 6.505.772" 5 76

9"832.94.1.'li-1.927

26.8-/6.564,862.146 19.207,882,068.970

18.7',|().778.380.',|27 7.496,385.115.111

3.r32.017.575.733 6.436.505"712.576

I 3.077.086.8 I 5"770 9.812.944.154.927

61.865,447,634,316 42,913,711,711,884 61,865,447,634'31(t 42'973'711 '1ll'884

43. Nghia vB nq ti6m in vir c6c cam k6t dua ra

Trong qu6 trinh hoat d6ng kinh doanh, Ngdn hdng thr.Lc hien.c6c c6ng cu tdi chfnh li6n quart

d6n c6c kho6n muc ngoiri bang cAn AOI f

SFI 13Ngin hing I'MCP Sdri Gdn * tli NQi

huo.ng ld pgr-Lo'i b6n/nhd xu6t khAu. Rui ro tfri dr.rng trong 1hu tin dung tri ngal'thud'ng thdp dohdng hori nhdp khAu duoc dirng Oe tn6 ch6p cho loai giao dich ndy.

Giao dich rhu tin dung trA ch6rn sE phrit sinh rui ro klii ho-p dong dd duo-c thtLc hi€n md khrich

hdng kh6ng thanh toiin cho bdn thu hu'6'ng. C6c thu'tin dung trir ch4rn khdng clugc kh6ch hdng

thanh to61 duo-c NgAn hdng ghi nhpn ld khoAn cho var bat buQc vd c6ng no- ttrong u'ng the hien

nghia vu tdi chinh cira NgAn hdng phAi thanh to6n cho bdn thr,r huong vd thuc hi6n nghia vq cua

Ngdn lidng trong vi6c biro lSnh cho khrich hdng.

NgAn hdpg thud'ng ydu cAu kh6cli hdng l

SFII}Ng6n hhng TMCP Shi Gdn - IIe NQi

(d) t]€n li€n quan ld thdnh vi6n rn6t thi6t trong gia clinh cfia b6Lt kj' c6 nh6n ndo d5 ndu trong

di6m (a) hodc (c);

(e) U€n li6n quan ld rndt t6 chfrc trrrc ti6p hoic giirn ti6p chiu srL ki6m sodt. ddng ki6m sorit

hoSc chiu anh huo'ng ddrrg ke, hoac co quydn bi6u quyet bo'i bAt k! c6 nhdn ndo duo-c d€ cQp d6ntrong di6m (c) hoac (d).

T6rn tit m6t sd giao dich l6'n v6'iciic b€n li6n quan trorrg quy 4 ndm 201 I nhu sau:

Cic giao dich s6 tien'fhanh todn dich vu qudng c6o

'fhu tu'dich vr-r uy th6c dAu tu.:

Thu nhdp tu cd t['c vd giip v6n vdo c6c cdng ty li6n qtran

Ctic giuo dich

T6rn rit c6c kho6n phai thu, phAi trli c6c b6n li0n quan tai tho'i diOrn 3l thang 12 ndrn 201 I nhu'sau:

Phoi thu+iaong

8.795,7',71,660

| 19.572,235.t39

1.248,000,000

Phdi trii';qonR

I'arn fi'ng hi;-p ddng cung cAp dich vu qudng

cito

Cho vay

- .i, , ,Ky quy di kinh doanh chirng khodn

Uy th6c dAu tum. tI ren gul Knong Ky nan

Ti6n gn'i c6 k! han

1 52.798,556,012

548.377.953,934

46.232.412

1.872.069.313.406

I "348,428.860,679

838,157,000.000

2,573,292,115,764 2,186,585,860,679

45. Chinh sich qurin lf rrii ro li6n quan tt6n cic c6ng.cu 1ii chinhMuc 1i€u cua NgAn hdng ld tdi da h6a giri tri dAu trr cua c6 d6ng. giiL virng t6c dQ t[ng truo'ng

lo-i nhuAn vd tinh hinh tdi chfnh ldnh manh. Do vAy, viec siL dung ceic cdng cu 1di chinh. bao gorn

nhAn tidn gu'i cua kh6ch hirng vd dAu tu vdo c6c tdi sdn tdi chfnh c6 ch6t luo-ng cao dd tro'thdnh

hoat cl6ng mang tfnh then chot giup Ngdn hdng dqt

S FII}NgAn hirng I'MCP Shi Gdn - lIn NOi

hdng co dLr khi nang phong ngila rui ro trong yiu trorrs rlud trinh hoat ddng kinh doanh vd clArnb6o khri nang thanh khodn. Th€m vdo d6, NgAn hdng cr.ing tharn gia vdo nhidLr giao dich phdngngila rui ro li€n quan dcn cdc cong cu tdi chfnh nlru ciic carn kit lro6n doi ngoai te cho muc dicliquan ly rui ro ldi suAt.

Trong c1u6 trinh quan lyi nli ro tfn dung, NgAn hdng dd su'dung c6 hi€u qua CAm nang'ffndung trorrg d6 ghi chi tiit ciic chinh sdch vd thri tuc cho vay cfrng nhu'c6c hu6'ng dAn thu,c hiin dechuAn h6a ciic hoat ddng tfn dung cua Ngdn hdng. ILLri ro thanh klioin duo-c han ch6 th6ng quavi€c ndrn giir mdt sd llto-ng l6'n tidn rndt vd ciic khoAn tuollg du'ong tidn du6.i dang tdi khodlNostro, cric khodn tien gui co k! han tai Ngdn hdng Nhd nu6c v2r cric td chflc tfn dung kh6c vdcric gi6y td'c6 gi6. C6c ty l0 an todn c6 tinh d6n y6Lr t6 rLri ro cfrng duoc s[r dung d6 qudn ly rr,ri rothanh khoan. Ngdn hdng thuong ti6n hdnh cl6nh gi6 cherrh l0ch I5i suat, so s6nh v6.i c6c thi trr-rdngtrong nuci'c vd qudc t€ dC c6 nhfr'ng diiiu chinh kip thdi. t'hdrn vdo d6. vi€c 6p rJung cac quy trinhquan Iy riri ro n6i b6 cirng tr6' ndn hi6u qud hon rrho r icrc triin khai f{6 th6ng QLran ly Vdn TAptrung vd II0 th6ng 'l'hanh to6n 'l'Ap trung, theo d6 todn bd ciic giao dich v6n vd thanh toiin cuaNgdn hdng ddu do H6i s6'chinh thrrc hi€n. Vi0c d6 cho phdp Ngdn hdng gidm sat hi€u qua honc6c bi6n ddi vC vdn vd giarn c6c sai s6t c6 thd xdy ra cirng nhu nlrr-ing thu tuc phrlrc tap kh6ng cAnthi6t.

46. Riii ro 1in dgng

Rui ro tin dung la kha nang xay ra t6n thdt trong lroat ddng ngAn hdng cua t6 chr1c tin dung dokh6ch hdng kh6ng thuc hi6n hodc khdng c6 kha ndng thLrc hi6n nghia vu cia rninh theo cam k6t.

Ng6n hdng ki6m sodt vd qudn ly rui ro tfn dung bing cdch thi6t lap han mri'c thanh toiin tuolgf'ng voi mL1c d6 rii ro rnir ng6n hdng c6 th6 ch6p nhAn clu'o-c d6i v6'i rnSi khrich hdne vd d6i v6irn6i linh vuc dia lV. nganh nghd.

Ngdn hdng da thi6t lap quy trinh sodt xdt chat lrLong tin ciung cho ph6p dLr biio s6.m nhfr.ngthay ctdi v6 tinh hinh tdi chfnh, kha nSng tra no'cta ciic bcn d6i r6c dr.La tr6n c6c y6u t6 dinh tfnh.dinh lr-ro'ng. Han mfic tin dung COi vO'i m6i khach hArrg clu.()c thi6t l6p tli6ng qua vi6c su durrg h0th6ng x6p hang tin dung. trong d6 mdi kh6ch hdng duoc xep loai o rn6t mirc d6 rrji ro. Mirc cl6rii ro nd-y c6 th6 duo-c su'a dOi. cap nhdt thud.ng xuy0n"

47. Rrii ro th!trudng

47.1. Rtii ro ldi suiit

Thoi han dinh lai ldi su6t thuc t6 lir thd'i han cdn lai tinh rir thoi diem ldp bdo c6o tdi chfnhcho t6'i kj' clinh lai l5i su6t gAn nh6t cua c6c khoan rnuc rii sdn vd ngu6n v6n.

Cric gia dinh vd diCu ki0n sau drLo-c ap dung trong phAn tich thoi han dinh lai ldi su6t thuc t6cia ciic tai srin vd cdng no cua Ngdn hdng:

S FII}Ngdn hing I'MCP Sii Gdn - IIn NOi

'l'idn mdt, vdng bac dri quy; g6p vorr d6u trL ilili han vd c6c tdi sin c6 khric (bao g6rn tdisan c6 dinh, b5t dQng sdn dAu tu vd 1di siirr co khiic. tril Lr1 thric ctAu trr) duo-c xep loaikho6n muc khdng bi inh huo'ng do dinh lai lai sudt:.,.. ).'l'i6n giLi tai Ngdn hdng Nhd nr-L6c Vi6t Nam clLLoc r6p loai ti6n gu'i thanh to6n do d6 k'i'lran dinh lai lai su6t thuc ti dtro-c xep loai dcn rnot thdng:'l-hd'i han dinh lai l6i su6t thu'c t6 cua ch[tng kho6n ddu ru' va chirng khodn kinh doanhduo-c tfnh dua tr6n thd'i gian diio han thu'c tC 1ai thoi cli6m lAp b:io ciio tdi chinh cita tiLngloai chri'ng khorin;

-l'hd'i han dlnh lai ldi su6t thuc t6 cua c6c khoAn tidn gri'i vd cho vay cac TCTD; c6ckhoan cho vay' khrich hdng: ciic khodn r.ro chfnh phu vd Ngdn hdng Nhd nu6'c ViotNaln: cac khtran ri€n gui va vay cdc I'o clruc tin dung va khoan muc ticn guicua khdchhiing duo-c xiic dinh nhu sau:

Cric khoin muc c6 ldi su6t cO dinh trong su6l thr'ri gian cua hop cl6ng: Thoi han dinh lai ldisu6t thuc td du'a tr6n thdi gian tlio han thuc t6 tinh tiL thiri di6rn lAp biio c6o tdi chinh.

Cdc khodn muc cri ldi suAt thd n6i: Tho'i han dirrh lai ldi su6t thLrc t€ cua cdc ho-p d6rrg chovay c6 thd'i gian diio han cdn lai du6'i 6 thiing dr-Lo-c xac dinh dua trdn thd'i gian d6o han cdn lai;

,:.cdc ho-p clong co thoi gian diio han cdn lai trdn 6 thiing clLro-c xdp vdo loai tir 3 thring d€n 6 thringdo kj,dinh lai ldi su6t cua NgAn hdng t6i da ld 6 rhiing nr6t lAn.

'l'hd'i han dinh lai l6i su6t thuc t6 cua klroarr ,r.,uc ngu6n vdn tdi tro- uy thrlc ddu tu, chovay md td chrjrc tfn dung chiu rui ro du'oc tfrrh du'a tr6n thd'i gian c16o han con lai cua

r r)lrrng no-p dong:

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47.2. Rtii ro ti€n tQ

I{ui ro tidn td l}r rui ro md gi6 tri cua c6c c6ng cLr tz\i chinh bi thay doi xtr6t phrit tir nhfr'ng

thay ddi vd tj' gi6.

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47.3. Rui ro tltanh khotin

Itiri ro thanh khodn ld rii ro Ngdn hdng gdp khri khdn trong vi6c thq'c hifu nhirng nghiavu cho ciic c6ng no- tdi chfnh. I{ui ro thanh khoArr phiit sinli ldri Ngdn hdng c6 th€ kh6ng dn khandng thLlc hi6n nghia vu trd no. khi nhilng c6ng ncr nAy den han d nhiLng thoi di6m binh thu'dnghodc kh6 klidn. De gidrn thi6u rili ro thanh khodn. ngan hdng phdi huy d6ng tiL nhi€u rigudn dadang khdc ngodi nguon von co ban cua ngAn hdng. l)dng thoi ngAn hdng cAn c6 chfnh s6chqudn ly t2ri sdn c6 tfnh thanli khodn linh hoat. thco ddi ddng ti6n tllong lai vA tinh thanh khodnhdng ngdy. NgAn hdng cfrng cAn drinh giri ddng tidn dLr kiSn vi khd ndng sin co cua tdi s6n dAInb6o hi6rr tdi trong trud'ng ho-p cdn huy d6ng th6m ngu6rr v6n

-l'hd'i gian d6o han cta c6c tdi sin vd cong no- thC hie n thoi gian cdn lai c[ra tdi sdn vd cdngno- tfnh til ngdy l6p b6o c5o tdi chfnh d6n khi thanh toiin thco quy clinh trong lio-p d6ng hodctrong di6u khoiLn ph6t hhnh.

C6c gidr clinh vd didu ki€n sau duo-c 6p dung trong phAn tich thoi gian d6n ltatt cia ciic t2risAn vd cdng no cila NgAn hdng:

.t'i6n gili t4i NgAn hdng Nhd nuo'c Vi6t Nam diro-c x6p loqi ti6n gili thanh to6n. trong d6bao g6m.ti€n gu'i du'trfi' bdt budc. 56. dr-L cr,ra ti6n grii du trii' bdt bu6c phu thudc vhothdnh phin vd k! han cua c6c kho6n tidn giri khdch h2rng cua Ng6n hdng;'l'hd'i gian d6o han cia ch[rng kho6rr cJiu trr duo-c linh cltLa trdn ngdy d6o han cua tirrgloai chr1ng khodn;

CihiLng kho6n kinh doanh duo-c x6p vdo loai I'i han d6n l thring;'l'ho'i gian d6n han cia c6c khodn ti€n grLi vA e lro va1' c6c 'I-CTD vd cdc khoan cho va1'kh6ch hdng duo-c xric dinh dua vdo ngdy d6n han cua ho-p ddng quy dinh. Thd'i gian d6nhan thuc td c6 th€ thay cl6i do c6c kir€ u6'c cho vay drLo-c gia han. Ngodi ra. cfrc khoancho vay kh6ch hdng clu'o. c th6 hi6n bing gi6 tri gdc kh6ng bao g6m drr phong rui ro;'l'hd'i gian d6n h4n cira ciic khoan ddu tu g6p r,6n mua cd phAn duo-c coi ld ho'n mot ndmdo c6c kho6n dAu tu ndy khdng c6 thd'i gian diio han x6c dinh;

C6c khodn tii:n gui,'iidn vay cfia c6c t6 chirc tin clung vd ciic khodn ti6n gui cua khdchhAng duo-c x6c dinh dua vdo tinh chAt c[ra.circ klioin ndy hodc tho'i gian diio han tr€nhqp ddng. l'di khoin Vostro vd ti€n gui thanh toan drroc tliuc hi6n giao dich theo y€ucAu cua khrich hdng vd do dci du'o-c x0p loai khdng ky; han. Thd'i.gian diio han aOi_vOicirc khodrn vay vd ti6n gui kj,han du'gc xdc dinh dr:'a tre n ngdy d€n han theo ho-p cl6ng.'l'rong thgc t6, c6c khoAn ndy co thO duo-c qlray vong vd do d6 du-y tri trong thoi gianddi ho'n thd'i gian d6o h4n ban dAu: .'l'hd'i gian ct6n han cua tdi sarr co dinh duo'c xirc cfinli dua vdo thd'i gian sr-r dqng hitLr fchcon lai cta tdi sdrn.

35

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nhr-rAn sau thu€ Qu.n..),

truron_e ve thu nhqp

Hd noi, ngdy,!0 thang O.lnan 20I 2

Kinh gfri: {/y ban Chr?ng khoin llhn nu6cS0 giao dich Chfng khorln Hh n6i

- ('[n cu 'l'hong tu 091201 O/T]'-BTC ngay 1510112010 cua Bo 'fai chinh Hr-ronq dAn v€viec cong bO thOng tin tr€n thi truong chung kho6n:

- Cdn cir k€t qud hoat dOng kinh doanh qui IV/2011 va qu! Iulzlto tai Bao cao taichinh ri€ng le Qui IV nam 2011cua NgAn hang TMCP Sai Gon - Ha ndi,

NgAn hang TMCP Sai Gon - Hd Nqi (SHB) xin -ei6i trinh chenh lech loi nhuAn sau thu€Quy lV nam 2011 so voi loi nhudn saLr thud Quy IV ndm 2010 tr€n 86o c6o tai chinhri6ng ii Qu.v* IV nam 20Il cira SHB nhu sau:

[,tvi nhuAn sail thLre Quy IV nam 2011 cua SHB tang so r,,oi loindm 2010 ngr-ryen nhdn do tron-e er,ry IV.201 I sI{B co slr tangthuAn, thu nhap tt hoat dOng dich vu hon so voi quy ly .2010.

IV

lal

Triin trong!

Noi nhQn:

- NhLl kinlr qLLr:- Lu'u V1'. f.-l-TC. VPHEQ'f

, TOI{G GIAM DOC t,lu

BAO CAO TAI CHINH 2011GIAI TRINH