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The
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hodc
c6 khi
di sd dg
phdng
dugc trich lAp
theo
Th6ng
tu
s6
13/2006/TT-BTC
(xem
Thuy6t minh 2(g)).
(g)
Dq
phdng giim
giri
tlAu
tu chring khorin vir tIAu
tu ddri h4n
Theo.Thdng
tu sO \Z/2006/TT-BTC
do B0
TAi
chinh
("BTC")
ban
hdnh ngity
2l th6ng 2 ndm
2006,
c6c
t6 chri'c
tin dung c6n l4p
Vi€t Nam
("Th6ng
tu
13"),
c6c
chilng
khorin khdng
duo-c
ph6p
mua
b6n
tu
do tr6n thf
trudng
khdng
dugc
lgp
dr,r
phdng gi6m gi6.
Dq
phong gi6m
giri
cho c6c chlrng kho6n
duo-c
mua
b6n tu do
tr€n thi
trudng cluqc lap khi
gi5
tri thi
t6 ndy
g{p
thua 16
(ngoai
trirtruong ho.p
15
duoc
du b6o tru6c trong
k6 ho4ch
kinh
doanh
cira c6c
cton vf tru6c khi
dAu tu).
Mdu 805/TCTD
(Ban
hdnh
theo
Quy€t
dinh
l6/2007/QD-1,{HNN
ngay
l8 thdng
4 ndm 2007
cua
Th6ng
d6c ltlgdn
hdng
Nhd
nu6'c
ngiry
3l
th6ngt2
nim 2009 (ti6p
theo)
M6u
B05/TCTD
(Ban
hdnh
theo
Quyiit
dinh
16/2007/QD-NH|I{N
ngdy
18
thdng
4
ndm 2007
cua
ThiSng
diic Ngdn
hdng Nhd
nwtc
ViQt
Nam)
(h)
Cfc
khoin
cho
vay khrich
phdng
cu
thiS
cAn duoc
l6p
cho
c6c khoin
cho
vay kh6c[
hdng
tr€n
io
sd
hdng qu!
dga
tr6n
nh6m
no
cta c5c
kho6n
cho
vay.
Du phdng
cu
th6 c6c
kho6n
cho
vay kh6ch
hdng
tai
th6ng I
I ndm
2009
sau khi
de
tru tti
gi6
tri tdi
sAn th6
;6p
dd rfuo-c
khdLu
tri
'
J
Q-
-
Nhdm
Tinh
trgng
qud
hgn
ryrc
dr
nhbnp
I
No. tlir
ti6u
chuAn
o
duoc
diinh
giri
la
dir kha
ndng
hodn
trd ca gdc
ldn
ldi
rheo
thoi
han
dd
duJc
co
cdu lai
lan
rhu nhat
up dung
d6i
vdi c6c
kh6ch
hdng
ld
doanh
nghiCp
vd t6
chric).
5%
6
tr€n;
hopc
ciic
khodn
cho
vay
duoc mi6n,
giam
ti6n ldi
do
krh6ch
hdng
kh6ng
c6
kh6
ndng
thanh
torin
ti€n 16i
theo
hqp-d6ng.
20%
4
No
nghi
ng0
Qu6
han
tu l8l
thri hai.
a
a
a
50%
5
Nq
c6 khd
ndne
mdt
v6n
Qu6
han
tr6n
360
ngdy;
Dugc
co c6u
lai thoi
han
tra no
ldn
thri nl6t
vd
qu6
han
tu 90
nsay
ffo
lCn
thri
hai
Dugc
co c6u
lai thdi
h4n
trd no
lAn
thri
ba; hodc
C6c khoan
no khoanh,
hay no
cho xir
ly.
a
100%
Ngodi
ra,
NgAn
hdng
cfrng
phii
trich
lap
vd duy
tri khodn
dq phong
chung
bing0,75yot6ng
5 na-
ie
tu'
ngay"
qrrui
Ji"i,
;A
493l200slQD-NHNN
;o {ey
lsc
T4i
ng?y
31 th6ns
t1 nam1oo9,
Ngdn
hdng
dE
iri"tr
t"ap
du phdng
chungdmric
0,65yo
c6cs6dun6itr6ntaingdy30th6ng
tl
ndm200d(ngdySt
tnang
12-ndm^2008]
0,53yo
c6c
s6
loai
vdo"Nh6m
5 hoatkhi
ngud'i
vaytriycn
to
phla
s6n
hoac
ei6i
the
(do.i
ygijt"*g
hqp
kh6ch
hdng
vay
ld t6
chric
hodc
doanh
ngnlpp;,
iropc
rnl
nguoi
vay
.r,et
6iil
mdt
tfch
ttrric nghy
3l
thring 12 nim
2009
(ti6p
theo)
(D
Dq
phdng
cho
cic cam
k6t ngo?i
bing
Theo
Quy6t
ctinh
1 Sl2001IQD-NHNN,
NgAn hdng
duoc
ydu
cAu ph6i ph6n
loai
citc kho6n
b6o
ldnh,
chAp
nhAn.
thanh
to5n vd
c6c cam
c6u
phii
trich lAp
vd duy
tri
khoAn
du
phdng
chung_bdng
0,75oA
t6ng s6
du c6c
thu bAo la;h,
thuiin
dpng
vd c6c
cam t<6t
cnl
vay
kh6ng
hriy ngang
v6 cti6u ki€n
tai ngdy
lag
b6ng cAn
d6i kC
to6n.
KhoAn
dpphong
chung
2009
(ngdy
3 I
thSng 12 ndm
2008:
0,560/o
c6c s6
du n6i
tr6n
tai ngdy
30
thang
t 1
ndm
2008).
Tiri
sin
cii ainn
hfru
hinh
Nguy4n gid
Tdi
sAn
cO einn htu
hinh
cluo-c
thti
hi6n theo nguydn
gi6
trir
tdi s6n
viio trang
th6i
vd vi tri
hoat
cl6ng
cho muc
dich
sri
dung du
ki6n
vd chi
phi
th6o
dd vd di.dcri
tdi sin
vd kh6i
phlrc
hiQn
trulng
tai
clia tli6m
ctdt
tdi sAn.
C6c
chi
phi
ph6t
sinh iau khi
tdi
hqp
c6
thii chring
minh mdr
c6ch
16
rdng
ciic chi
phf
ndy
la-
tang
lgi
ich
kinh
t6 ffong
tuong
lai
du tinh
thu
duoc tir
vipc sri
dlrng tdi
s6n
.6
dlnh nuu
nmn
vucrt
tr6n
mirc
tr6n
thd'i
gian
hiru
dung
u6c tinh
crja
tdi
sin
c6 dinh
hfru
hinh.
Thoi gian
hfi.u
dungu6c
tinh nhu
sau:
Mffu
805/TCTD
(Ban
hanh
theo
Quy&
dlnh
I6/2}}7/QD-NH|{N
ngqy l8
thdng
4 ndm 2007
cila
Thdng
ndm
3-25ndm
4-10ndm
3-l0ndm
ll9-l2l
Nguy6n
C6ng
Trrl,
Qu$n
1,
Thdnh
ph6
H6
Chi
Minh,
ViQt Nam
Thuy6t minh
bio crio tii chfnh
cho
nim
t6t ttrric ngiy 31 th6ng12 nim 2009
(ti6p
theo)
M6u 805/TCTD
(Ban
hdnh
theo
Quy€t
dinh
16/2007/QD NHNI'{ ngay I8
bao
gdm gi6
mua d6t vh c6c chi
phf phrlt
sinh
dC ddm
bAo
quy6n
sri'
dr,rng dAt.
Phdn mim
vi
t{nh
Giii mua
phin
m€m vi tinh m6'i, mii
phAn
m6m vi tinh ndy kh6ng
ph6i
ld mQt
b0
ph6n
kh6ng th6
trich
rd'i.cfia
phAn
cftng c6 liOn
quan
thi dugc
v6n
giS
lai theo l5i
gi6
h6i tlo6i
tpi
ngdy lap
bing cAn AOI t6
toan.
LEi vd td
da thUc
hi6n
duoc
ghi
nhAn
vdo b6o c6o
k6t qu6 hoat
dQng kinh
doanh. Ldi vd 16 chua
thuc
hi€n
clucvc
ghi
nhpn trong
b5o c6o k6t
qu6
ho4t
dQng
kinh
doanh t4i ngdy l6p
bAng cAn cl6i kti to6n.
tuong
lai di5 thanh to6n nghla
vp d6. Dg
phdng
duo-c x6c
<tinh bing
c6ch
chi6t kh6u c5c lu6ng tiAn dg tinh
trong tuong
lai theo ty lQ
tru6c thu6
ph6n
6nh dugc
c6c d6nh
gi6
cria
thi trudng
hi€n
tai vO
gi6
trf thoi
gian
cia tl6ng ti€n vd nhirng riri
ro
gin
liAn
v6i
khodn
no
phii
cria
minh
thi bdn sir
dgng lao clQng
ph6i
thanh
to6n ti6n tro c6p th6i
viQc cho nhAn vi€n d6 tinh dqa tr6n
s6
ndm
ldm viQc
vf mfc tuong
tai
thoi di6m th6i
vi€c cria nh6n vi€n
<t6.
Du
phdng
tro
cAp thdi vi6c iluo. c l4p
trdn co sd mri'c luong
hi6n
tpi cta nhAn
vi€n
vd thdi
gian
ho ldm viQc cho NgAn hdng.
Theo LuAt
86o"hi6mXA hQi, k€
tir
dinh trong tirng thoi
kj'.
Vdi viQc 6p dung ch6
d0 b6o hi6m thAt nghi6p,
NgAn hdng
khdng
ph6i
lap
dV
phdng
trg cdp th6i vipc cho
thoi
gian
ldm vi6c
cta
nhAn
vi6n sau ngdy
I th5ng
1
ndm 2009.
Tuy nhi6n, trg c6p th6i viQc
ph6i
trd cho c6c
nhAn viOn dri di€u ki€n hi6n
c6 tai
thoi cli6m
3 1 thSng 12 ndm 2008 sC dugc x6c dinh dUa tr6n sd ndm ldm
vi6c cfia nhAn vi€n
dugc tinh
d6n 31 th6ng 12 ndm 2008
Thuyiit
minh
b6o
crio tiri
chinh
Thuyilt
minh
b6o
crio tiri
chinh
Th6ng
d6c Xgan
hang Nid
nu6c
ViQt Nam)
cho nim
t6t
ttrfc nghy
3l thingl}
nIm 2009
(ti6p
theo)
)
(p)
Viin
O
V6ncOphiln
CO
phi6u
phd
cO
phdn
Khi nh6n
dugc v6n
tir c6c
c6.ddng,
ch6nh lech
giira
gi6 ph6t
hdnh
vd m€nh gi6
cd
phi€u
cluoc ghi
nh6n
vdo
tdi
kho6n
th{ng du
v6n c6
phAn
trong v6n
chu s6'hnu.
(q)
Cric
quf
vdr dq trir
Theo
Nghi
clinh s6 146120051ND-CP
V6n
c6
phAn
Qu!
du
phdng
tdi chinh
:
10o/o loi nhudn
cdn lai
sau thu6
25Yo
v6n
cd
phAn
.:
-
,,|
Qu!
du
phdng
tdi
chinh
dirng d€
bt khoAn 16 phSt
sinh
trong
qu6
trinh
hoat clQng
b6 tri loi
nhu6n
sau
thu6 vd
do H6i
cl6ng
QuAn
tri
!
quy€t
ctinh vd
chri
ydu
ducrc dnng
dO
chi tr6 cho c6n
bd,. c6ng nhAn
vi6n cira
NgAn
hdng.
Cdc
qu!
ndy
t
kh6ng
do phSp
luQt quy
clinh
vd dugc ph6p phdn
ph6i
i6c
quy
nay ntOng
do
ph6p
ludt quy
dinh vd
duoc
phdp
ph6n phdi
htit.
(r)
Ghi
nhfn
doanh
thu
(,
Thu
nhQp
ldi
Thu
nhpp
ldi
dugc
ghi
nh6n
trong b6o
c6o kt5t
qu6
hoat
Thu
nhQp
t*
phf
vd hoa
hhng
Thu
nhfp
tir
phi
vd hoa
hdng
duo-c
ghi
nhAn
trong
b5o c5o k6t qu6
hoat
clOng kinh
doanh
tr$n
co sd
d6n
tich.
Ngdn
hing Th_uong
m4i C6 phin
Vigt
A
ll9-l2l
cua
Thdng
ddc l,'trgan
hdng l{hit
nudc
ViQt
Nam)
(iit)
Thu
nhQp
t* cO trbc
Thu nhfp
tir
c6 tric bing
ti6n cluo.'c
ghi
nh{n
trong b6o
cito kt5t
qui
hoat
cl6ng kinh
doanh khi quy6n
nh6n
c6 tuc cria
NgAn hdng
duqc thi6t l4p.
CO tn'c
dugc nhAn du6i
dang c6
thanh to6n kh6c
bing
ci5
fliit5u
tu c6c dori vf cluoc
dAu
tu duoc lAy
tu c5c ngudn
kh6c
kh6ng phAi
ld lgi
nhu6n
chua
ph6n phdi
cira ciic don vi
duo.
c clAu tu kh6ng
duqc
ghi
nhAnlrong
b6o
c6o
k6t qu6
ho4t
cl6ng
kinh
doanh.
(s)
Chi
phi
theo
phuong
ph6p
ducrng thing
dua-
trOn thdi han cia ho.
p
cl6ng
thu€.
C6c kho6n
hoa h6ng
di thue
d6 nh4n
dugc
ghi
nhdn tr€n biio
c6o k6t
qu6
hopt ctQng kinh
doanh
nhu
mQt
bQ
phan
hqp
thdnh
cia t6ng
chi
phf
thu€.
d6n c6c
khoAn mpc
ctugc
ghi
nhdn
thdng
vdo v6n cht
sd hiiu, khi
cl6
khodn
thu6 thu nhap
ndy cfrng
dugc
ghi
nhan
thang vdo
v6n
chir so'hiru.
Thu6
thu nhap
hiQn hdnh ld
kho6n
thu6 dg ki6n
ph6i
nQp
dga trdn
thu nh4p
chiu thu6
trong kj,,
su
cdc
ch6nh lQch
tam
tho'i
gifra
gie
ff1
ghi
s6 cira
c6c kho6n muc
tdi sin
vd
nq
phai
trd
cho muc dich
brio c6o
tdi chinh
vd
gi6
trf x6c ctinh
theo muc
dich
thu6. Gi6 tri
cria thu6 thu
thpp
hodn
lai
duo-c
ghi
Tdi
s6n thu6
thu nh4p hodn
l4i
chi dugc
ghi
nhfln
tucrng fng
v6i
mric
loi
nhudn chiu
thu6
ch6c chin
trong tuong lai
md loi nhu{n
ct6
c6 th6 dirng d6 kh6u
tru v6'i tdi sAn
thu6 thu
nhAp ndy. Tdi
sAn
thu6
thu nhpp
hodn l4i
clugc
ghi gi6m
khi
kh6ng cdn ch6c
chfn thu
th6ng12
nim 2009
(titip
theo)
M6u
BOS/TCTD
(Ban
hdnh theo
Quyh
dinh
l6/2007/QD-NHNN
ngay
18 thdng 4 ndm
2007 cila
Th6ng ddc Ngdn
hdng Nhd
nudc ViQt
Nam)
(v)
Lfli tr6n c6
phi6u
NgAn
hdng trinh
bdy
lai
co
bin
vd l6i suy
gi6m tr€n c6
phi€u
x6c Jinh ting
.a.n
didru"chinh
iai
nJA"
iO-tttrQ"
vA cO
OOng
vA s6
luo,ng c6
phi6u
ph6 thdng trung
binh
luu hdnh
c6 tinh d6n
c6c
hnh
hu6ng
cria ci5
phi6u
ph61h6ng tidm
neng, bao
gdm
tr6i
phi6u
co
th6
chuyi5n eOl va
quyAn
mua c6
chinh ho[c
ho4t
dQng. C-6c
b6n ctng
Auqc
coi
ld li6n
quan
n6u chiu
sq
kii5m so6t
chung,
hoflc cirng
chiu 6nh
huorrg cl6ng
k€
chung.
(x)
Brio crio bQ
ph{n
Ngdn
hdng ho?t
dQng
nhu mQt bQ
ph{n, hoat dong
ngan hdng
thucrng
mpi t4i ViQt
Nam.
(V)
-
frOi doli
hoac c6c
riri
ro
thi
trudng
kh6c
diing thoi
phpc vg
mpc clich
kinh doanh
cira
NgAn
hdng.
C6c hqp
d6ng
kj, han
ld c6c cam
t<6t
OC
mua
ho{c b6n
mQt
loai ti6n t0
nhdt dinh
tai
mQJ ngdl
cu
_th€
cfi6m
cu6i
nem.
Ldi hopc
16 da
no[c
chua thgc
hiQn dugc
ghi
nhfln vdo
b5o c6o
k6t
quA hoat d6ng
kinh doanh.
C6c
hqp cldng
ho6n
dOi lA cac
cam
k6t di5
thanh
to6n bing
tidn
mat
t4i mQt.ngiry
trong tucrng
lai
dpa
trdn
chQnh
ndy o du6i d4ng
c6c
kho6n Jno
uuy"ua
th6,u
chi
dd clugc
phd
duyQt.
NgAn
hdng cyle
cu.1q t4P
:i"
b.t9
lanh tdi
chinh
'id
thu
tin dqng
dC
-bao
tanh viQc
thr,rc hiQn
hqp
cl6ng cria
kh6ch
hdng d6i
voi ben
thu
Uu. Ntti6u
du
ki6n trong
tuong
lai'
(z)
Sii
Ou bnng
kh6ng
Crtc
khoan
muc
hay s6 du
duo.'c
quy
d!nh
trong
Quy6tdinh
s6
l612007lQDtNIT.NN
lgdy
1.8
thlng.a
nam 2007
cua
Th6ng
d5c Ngan
hdng
Nhd
nu6c
v€
bing
ngopi tQ
Vdng tai
qu!
Kim lo4i
qu!,
116
quy
Ti6n
gui
cria khfch
hhng t4i NgAn hing
SO du binh
quAn th6ng trudc cita:
.
Ti6n
gri'i
bing
ngo4i tQ c6 thoi
han
du6i
12 thhng
.
Ti0n
gui
bdng
ngopi tQ c6 thoi h4n
tit 12 thing
tro lOn
'
trir b6t buOc
Ngodi mirc dq trf bdt
buQc
Ti6n
gui
bing USD
Trong
mirc du
trfr
bit
buQc
Ngodi
mirc du
trir bit buQc
MAu BOS/TCTD
(Ban
hdnh rheo
Quy&
dinh
l6/2007/QD-NHryN ngdy
l8 thdng
4
ndm 2007 cua
Th6ng d6c
lttrgdn hdng lllhd ntdc
ViQt
Nam)
NgAn hirng Thu'ong m4i C6
phAn
ViQt A
4. Tidjn
gfri
t4i NgAn
hhng Nhir
nudc Viet Nam
Ti€n
giri
tai NHNNVN
bao
g6m qu!
dy
trt bit
buOc vd tdi khoAn tiAn
grJri
thanh to6n.
Theo
quy
clinh cria
NHNNVN vC du trf bit
bu0c, c6c ngdn
hdng
cluo-c
phdp
duy tri mQt s6 du thA
n6i tai tdi khoAn
dr,r trD
bat
UuOc. SO du binh
quAn
dq trt'bit
.i/
//
i
3Ut2t2009
VND
216.235.979.921
3u12t2008
Vl.{D
242.384.448.687
31n2t2009
1,20/o
0%
0%
0,10
3u1212008
8,50
0%
0%
104
NgAn hdng
Thuo'ng mgi
C6
phin
ViQt A
ll9-l2l
Nguy6n C6ng Trf,
Qugn
1,
Thdnh ph6
Hd
tfn dgng
kh6c
Ti6n
giri
khdng k) hln
.
Ti6n
grii
khdng kj'han
bbng
VND
Ti€n
gui
khdng kj'han
bing ngo4i
tQ, vdng
Ti6n gui
c6
kj'h4n
.
Ti6n grii
c6 kj,
han bdng VND
Ti6n gui
c6 hj, han
bdng ngoai
te.
vdng
Cric khoin cho
vay
c6
kj,han
bdng VND
Ti6n
giri
c6 k! hpn bing ngoai
te kh6c
Cho vay
bdng VNE
6.
Chftng khofn kinh
doanh
Chring khorin
viin
.
C6
phi6u
do ciic tO chirc
tin dqng trong nu6c
ph5t
hdnh
.
C6
phi6u
do c6c td chirc kinh
tO trong nu6c
ph6t
hdnh
Du
phdng
-
9,jYo
2,0o
-
2,5o/o
Khdng
3u12t2009
VND
1 .123.861.962
141.524.222.909
(5.s7s.348.30s)
311t2t2008
\TNE
4.092.356.000
151.061 .179.114
(7
6.1
s9 .s41
.582)
tzi.otz.tza.sae
78.393.994.132
NgAn
hdng Thucrng
m4i
C6
ph6n
Vigt
A
ll9-l2l
Nguy6n
ndm 2007
cua
Thdng
doc
Ngan
hdng
Nhd
nt6,c Vi€t
Nan)
(i)
Bi0n
dQng dg
phdng
gihm
gi|chirng
kho5n
kinh doanh
nhu
sau:
56 du
dAu nam
Trich
l4p
du
phdng
trong
n6m
Hodn
nhdp
dU
r
80. tle.917)
7
6.1
s9
.541 .582
2008
VND
C6c c6ng
cU tii
chinh
phdi
sinh
T4i
ngdry
31
thfng 12 ndm2009
Giao
dich kj'han
ti6n
tQ
8.
Cho vay
kh6ch
hirng
Cho.vay
cric to
chuc
kinh
t6 vd
I L981
."459.721
.212
60.045.089,792
3u12t2008
VND
1 5
5. I 53.53
5.714
7.
T6ng giri
tri
ghi
sd kG
torln
(theo
ff
giri
tli ngiy
lflp
b6o
c6o
)
t,
il
.t
t
\\
\
Tii
tiSt tnnc
nghy 31 thhng12
n5m 2009
(ti6p
theo)
Miu 805/TCTD
(Ban
hdnh theo
Quyiit
dinh
I6/2007/QD-|'{HNN
ngay
l8
thdng
4 ndm
2007
cua
Thdng d6c Ngan
hdng
Nhd nu6'c
Vi€t l{am)
PhAn
tich du
ng cho
vay
Nq df
ti€u chuAn
Nq cAn
chf
y
24.461.261.147
0,370
56.214.639.458
0,850h
%
98,040h
0,650
0,18%
0,330
0,80%
12.041.504.81
1 .004
100%
6.632.574.482.633
t00%
Phdn tich
du ng theo
tho'i
hpn:
Ngdn
h4n
Trung
h4n
Ddihan
3u1212009
VND
8.57
1 .723 .966.3
00
2.312.918.033.019
N6ng
nghi€p vd
l6m.nghiQp
Thuong
mai,
sAn xudt
vd
ch6 biOn
Xdy dr;ng
Kho
bdi, v4n t6i
vd thdng
tin
li6n l4c
Cd
nhAn vd c6c
ngdnh ngh6
kh6c
3111212009
\TND
324,096.528.587
4.131.232.033.172
1, .577 .421
.679.890
586.645.961.047
5.422.102.602.308
3u12t2008
'h
\TND
149.623
Nguy'€n
C6ng
Trri.,
Qugn
I,
Thdnh
ptrti
H6
chi
Minh,
viQt Nam
Thuy6t
minh
b6o c6o
tii
chinh
cho
ndm
n6t
ttrric
ngiy
3l
th6ng12
nim
2009
(ti6p
theo)
Phdn
tich
du no. cho
COng
ty
tr6ch nhi6m
ht'u
han
Cdng
ty c6
phAn
C6 nhAn
vd
kh6ch
hdng
kh6c
31n2t2009
VND
26.410.000,000
2.783.245.91
I
.049
1 .551
.002.81 4.824
7 .687
.846.025.131
3l/12t2008
,
\TND
115.61L497.I08
1,74yo
1.452.941.261.633
21,gtYo
vay
bdng
vdng
Cho vay
bang
VND
3U12t2009
3U12t2008
6,0Y0
-
6,6Y0
8,5oA -l0,8yo
6,80 -
7,4Y0
8,0o
-
9,0y0
12,00
-
15,0Yo
12,80 -26,4%
.4
.rl
Ngdn hhng Thu'ong m4iC6 phAn
Vi6t A
ll9-l2l
Nguy6n
C6ng
Trri,
Qufln
cp th6
Sti du
clAu nam
Trfch
l4p dq
phong
trong ndm
^i
, :,
50 0u cuol nam
56 du d6u nam
Trich ldp d1r
phdng
trong ndm
^A
. A.
50 0u'cuol nam
M6u
805/TCTD
t
6 / 2
o
o 7 /
eD
- N a N N,s df f{,X#'
i :Z fn:;
f
:;:
-,
:
26.425.000.000
4.998.000,000
::
'v
26.429.000.000
21.427 .000.000
\
52.854.000.000 26.425.000.000
Bi6n clQng
dU
phdng
cU th6 cho cdc khoin cho vay
kh6ch hdng nhu
sau:
2009
t
.\
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