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thoi hgn trA no lin
cfdu, trt ciic
khoAn
ng di6u
chinh
kj' han
tra
r;, rl
no
ldn ddu
phdn
loai vdo

co c6u
lai
thoi h4n trd ng lAn dAu
quii
han du6i
90
ngdy
theo
thd'i
han
trd no
dugc
co c5u lai lAn dAu;
o
Cdc
k}oAn ncv co c6u lai thcvi han trd ncv lAn thri hai;
Nhdm 5: Nq c6
khd
ndng miit
viin
o
CirckhoAn
no
qu6
han trdn
360
ngdy;
o
C6c
khoin

han:
o
Cdc
khoAn no
khoanh, no chd xti'ly;
Theo
Quy6t
dinh
s6
+gztzoosleD-NHNN
ngdy
22 thfng
4 ndm
2005 vd
euy6t
dinh
s6
,
1S1}}}71QE-NHNN
ngity
25 thdng4
ndm2007, OOi
vOi cilc khoAn
no
quil
han, t6
chuc
tfn dung
phAn
loai

nh6m ng rti ro cao hon tuong ring vdi mfc clQ rrii ro khi xiry ra mQt trong ciic trudng
hgp
sau d6y:
.
Khi c6
nhfi'ng
di6n biiin b6t
tqi tir t6c
ilQng
ti€u cuc d6n m6i
truong
kinh doanh
vd
linh
vgc
kinh doanh;
.
-
.,.
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ng
c$e+hd€h-h
r
Kh6ch hdng khdng
cung c6p cho NgAn hdng c6c
thdng tin tdi
chinh kip
thcri,
dAy
dri

I
2
3
A
T
5
Loat
.l
Ng dn
ti€u
chudn
i
r,,
1\O- Can CnU
y
No duditi6u chuAn
No
nghi
ngd
No
c6
khA nlng mdt
v6n
T' lp dg
phdng
cT th6
o;,
5%
20%
50%

tdi sin c6 dinh tinh d6n thdi cti6m
dua tdi
sin d6
vdo trang
th6i
sin sdng su
dung. Tdi sdn c6 dinh duoc
tinh kh6u
hao theo
phuong
ph6p
cluong
thing
d€ tru
dAn nguydn
girl
tai sAn trong suiit thoi
gian
hfru dgng udc tinh nhu
sau:
-
Nhd cua.
vdt ki6n truc
-
Mrly m6c, thitit bf
-
Phucrng ti6n vQn tdi
-
DUng cu
quin

khdng tinh
khSu
hao.
10. Ti6n vd cdc khoin tuorrg tluong tidn
Ti0n vd c6c khoin tuong duong tidn
bao
gOm
ti€n
mit, virng, drl
quy,
tiAn
gui
thanh
to6n
tai
NHNN, tin
phi6u
Chinh
phri
vd
c6c
giSy
td c6
gi5
ngfn hpn
dri di6u kiQn chitit kh6u
v6i NHNN,
c6c
khoAn
tiAn

cu tdi chinh
ph6i
sinh dugc
thuc hi6n duoc
ghi
nhpn trong
biio
c6o k6t
qud
hgat dQng
kinh doanh.
Lgi
nhudn ho4c 16 chua thgc hiQn clugc
ghi
nhAn vdro kho6n muc ch€nh lQch
d6nh
gi|lqi
c6c
cdng
sffi
ErrB
Ngdn hdng
TMCP
Siri Gdn
-
Hn NQi
cu tdi
chinh
ph6i
sinh tr6n

ldi
duo-c
ghi
nhdn
tr€n
biio
c6o
k6t
qu6
ho4t
ddng
kinh
doanh
trdn co
so dg thu,
dg chi.
13.
Ghi nhdn thu
nh$p tir
phi
vd hoa h6ng
dich vg
Ng6n
hdng
thu
phi
tu
c6c dich
vu cung
c6p

gian
ntrdt
O6tr duo-c
dy thu
trong
su6t
thoi
gian
cl6.
phf
ndy
bao
gdm
phf qudn
ly,
phi
nhdn
riy thiic, hoa
hdng vd
c6c
phi
li€n
quan
d€n
c6p
tin
dung,
qudn
ly
tdi sdn,

b6n thri ba, vf
du nhu
ddn x6p vi€c
mua
cO
phAn
ho[c
cilc loai
chirng kho6n khdc
ho4c mua lai
doanh nghi€p,
cluoc
ghi
nhin
khi hodn
t6t
giao
dich
li6n
quan.
Phf holc
mQt
phAn
cta khodn
phi
ndy c6
li€n
quan
d6n viOc
thuc

5=
$idiR
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q
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g
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= , €!-
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3
NS
SFIB
Ng6n
hing
TMCP
Sdi
Gdn
-
Hn
N6i
15.
Ti6n
m{t,
ving
b4c,
tt:i
quj
Tidn
mdt
b6ng VND
Ti6n
m4t
bing
ngo4i
tQ
16.
Ti6n grriri

tfn
dgng
kh6c
Tiin,
vdng gtTi
khbng
kj,
hgn
-
Bing
\trlD
n:
-
bang
ngoar
te, vang
Tiin,
vdng gfti
cd
ki,
hgn
-
Bing
VND
^J
-
rJang
ngoal
te,
vang

94,660,000,000
19,470,095,722,g99
,
11,636,740,990,717
,
5,997,951,139,55
5
5,397,761,469,339
590,099,671,216
13,4i2,244,sg3,33J
12,296,134,593,333
1,196,1
10,000,000
N.S
SFIB
Ngin
hing
TMCP
Sdi
Gdn
-
Hn
N6i
18.
Chring
khoin
kinh
doanh
Chfrng
khodn

-
Chung
kho6n
V6n
do
ciic
TCTD
kh6c
trong
nudc phdt
hdntr
-
Chtmg
khoiin
V6n
do
c6c
TCKT
trong
nudc phiit
hdnh
Chfing
khodn
kinh
doanh
khtic
Dqr
phbng
gidm
gid

y6t
-
Chua
ni€m
y6t
9/30t20tr
\TND
u1/2011
\TND
40,41g,411,4g7.
40,418,411,497
(683,472,069)
,
99,511,970,109,
99,511.970,109
(693,472,069)
.
39,734,939,419
98,829,399,041-
Thuy6t
minh
v6
tinh
tr4ng
ni6m
yiSt
cf,a
c6c
chring
khor{n

tii sfrn
tii
chinh
kh6c
TOng
giri
tri
cr)a hqp
;,
aong
(tneo
ry
gta
ngdy
hi€u lltc
hqp
J:
aongl
T6ng
giti
tri
ghi
sO kd
ndn
(theo
tjt
gid
tai
ngdy ldp
bdo cdo)

286,387,757,346
286,387,757,346
138,561,862,265
49,902,858,800
188,464,721,065
Tdi
sdn
58,135,065,588
(49,367,472,691)
8,767,592,897
2,286,904,226-2,341,930,275-55,126,049
60,421,969,914
(51,709,402,966)
8,112,466,g4g,
t42,117,439,795 (139,903,889,155)
2,213,550,640
49,902,858,800 (55,016,000,000)
(5.1
13,141,200)
192,020,299,595 (194,919,989,155)
(2,999,590,560)
.
20.
Cho
vay
khfch hdng
Cho vay c5c
td chilc kinl,
.6,
cd nhdn trong

vay dugc khoanh vd
ng cho xft
ly
30/09/2011
\TND
r/t/2011
\TND
28,203,695,126,694
2I,732,436,733
14,394,394,349
27,454,673,71I
24.344.537.429,486
450,000,000
20,914,017,470
9,697,046,606
28,267,266,631,476
.
24,375,588,493,562
".
10
ffiSTIH
NgAn hing
TMCP Sii Gdn
-
Hn
NQi
20.1.
PhAn tich ch6t
luqng nq
cho

\TND
28,267,266,631,476
,
24,375,599,493,562
,
30/09/20t1
\TND
t/v201r
\TND
17
,683,129,695,157
6,482,087,852,853
4,I02,055,083,466
15,670,135,513,189
5,390,058,295,340
3,315,394,695,034
28,267,266,631,476 24,375,599,493,562
.
20.3. Phfln
tich du
ng cho vay theo O6i tu''qmg khfch hirng vi lo4i hinh doanh nghiQp
30/09/2011
\T.{D
'/.
0t/01/2011
VND
Cho
vay
cdc TCKT
Doanh

., I
Krnn Ie t?p tne
Cho
vay
cd
nhdn
Cho
vay
khric
20,400,344,914,709
1,333,390,872,154
78t,718,733,516
2,35?.,235,918,336
5,801,366,53 5,368
2,113,825,078,364
7,055,571,375,270
5,764,152,000
583,822,907,0s8
337,853,902,457
34,795,440,187
7,701,456,699,322
165,465,017,445
72.17
13,720,512,092,554
56.29
4.72 468,829,488,391
| .92
2.77 33,129,458,051
0.14
8.32

TMCP
Sii
Gdn
-
Hn
N6i
20.4.
Phfln
tich
du
nq
cho
vay
theo
nginh
30t09t2011
VND
0u0u20tl
VND
N6ng
nghi€p
vd
l6m
nghiQp
vd
thty
sdn
Khaikhoring
Cdng
nghidp

thdi.
Xdy
dpng
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bu6n
vd
bdn
Ie;
sua ch&a
6 t6.
m6
16, xe
m6y
vd xe
c6
d0ng
co kh6c
Vdn
tai
kho
bai
Dlch vu
luu
trri vd
dn u5ng
Thdng
tin
vd
truy€n
th6ng

dich vu
hi
trg
Hoat
ddng
cria
ding
CQng
sfur,
t6 chric
chinh
tri
-
xd
h6i,
qu6n
ly
nhd
nudc,
an ninh qutic
urao
duc
va
dao tao
Y tii vd
ho4t
dQng
tro.
girip
xd

dich vu
tu ti6u
dirns
cria
h6
sia
dinh
Ho4t
dQng
cta
cilc
t6 chric
vi
co
quan
qu6c
tti
10.04
1,378,592,027,914
5.66
10.51
2,416,171,015"953
g.gi
18.56
3,426,A00,069,370
14.06
0.97
794,000,016,077
3"26
0.02

0.05
175,000,003,543
0.72
0.16
45,700,000,925
0.lg
0.06
5,963,884,841,145
24.47
9.83
419,770,642,343
1.72
"
0.49
40,706,950,665
0.17
0.02
9,393,000,190
0.04
2.93',1,940,594,994
2,971,903,445,655
5,246,061,731.444
273,005,120,971
5,943,354,171
3.243,329.047
,445
5,068,1
96,
i 95,034
2,060,263,731,791

ti5
quy
dinh
t?i
trong
phu
luc
07
0t/07
t201r
"
t2
DI
DI.II'
NgAn
hing
TMCP
Sii
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-
Hn
N6i
21.
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phdng
rfri
ro
tin
dgng
Ki

ngu6n
du
phong
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tdng/ (giim)
kh6c
56 au
cutii
X3'
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trrdc
Sii
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tliu
k]
DF
phong
nii
ro
trich
ldp
trong
kj,/ (Hodn
nhap
dU
phong
trong
kj')
Dg
phong

Chimg
khoiin
V6n
do
c6c
TCTD
khdc
rrone
nu6c
ph6t
hdnh
Chring
kho6n
V6n
do
c6c
TCKT
trong
nudc
phat
hdnh
199,664,454,004
".
109,995,226,114
Du phdng
chung
VND
Du phong
cu
thti

nudc ph6t
hdnh
3,218.740,822.353
Chimg
khoiln
No
do
c6c
TCKT
trong
nu6.c
ph6t
hdnh
4,122,085,337,216
8,290,926,159,569
950,000,000,000
7,461,23
5,119,909
350,000,000,000
3,001,696,034,713
4,109,549,095,196
20,126,000,000
17,329,r70,000
9,797,930,000
20,711,620,000
,
11,699,790,000
9,022,930,000
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phbng

22.2.
Chling
khorin
itAu
tu
gift
tl6n ngiy
d6o
h4n
30/09/2011
VND
1/I/2011
\,\fD
Chiing
kho6n
Chinh
phu
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kho6n
Nq
do
c6c
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khric
trong
1,000,000,000,000
2,844,340,000,000
1,000,000,000.000
300,000,000,000
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tu vdo
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ty
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tu vdo
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ty li6n
k6t
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tu
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gia
dAu
tu ddi
hpn

tu vd
PT
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ly
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Ngdn hing
TMCP Shi
Gdn
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NQi
25.
Tni sin
c6 {tinh
v0
hinh
-
Tlng,
giim
tii
sin
c6 rlinh v6
hinh
kj,niy:
QuyAn
sir dqng
d6t
Donvi
tinh:
Phdn
m6m
vi
Tii
s6n
cii Ainl
tinh

Sii
gi6m
trong tc)
Si5 au cuiii t3,
Gid tri
cdn l4i
T4i ngiy
tlau kj'
T4i ngiy
culii ty
1,380,377,199,421
650,274,165,640
65 0,274,1
65,640_
5,988,310,020
20,000,000,000
276,374,000
1,993,090,310
276,374,000_
1,983,080,310
1,406,365,499,441
.
652,533,619,950
652,533,619,950
473,434,736
3,291,957,009
117,926,719
1,621,644,072
117,926,718
1,62t,644,072

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trong
kT
^A
. i .
DO
qU
CUOI kJ
Gii
tri hao
mdn lui
kii
56
Or aau Ay
Sii teng
trong
k|
,: ,
- Knau hao
trong lq)
- Tdng
khdc
^A

hinh
khic
4,557,059,194
20,000,000,000
1,431,251,926
1,43I,251.826_
Don
vi
rinh:
vND
c0ng
729,942,347,615
676,423,150,926
676,42
3,150,826
700,000,000
2,592,390,133
1,541,098,681
I,051,291
,452
433,124
433.124
1,333,000,000
1,667,694,696
1,004,I75,827
' 663,'508,869
2,355,000,000
4,411,509,565
2,696,709,244
r,7I4,800,32l

O,NGOAN
B.NHAN)
QSD DAT
31 LTK
DTR:32
8M2 DTC:310,5M2 (NHA
O.THAN B.M|NH)
QSD
DAT
35A
LTK DTR:32
8M2 DIC:49,2M2 (NHA
0.GlA
B,THO)
QSD
DAT
33A
LTK
DT:37 4M2
(NHA
0 Vy
B.THOA)
QSD DAT
35A
LTK DTR:34,9M2 (NHA
0.NcUyEN
B.AN)
QSD DAT
338
LTK DTR:26M2

VAN
LINH,NAM
DUONG,HAICHAU,DN
SO DO
BE 579491
QSD
DATSO
35
LYTHUONG
KIETHOAN
KIEM
HA NOI
SO DO
88916410
QSD
DAT
SO
35 LY THUONG
KIET
HOAN KIEM
HN
SO DO 88916409
QSD
DAT
SO 35
LY THUONG
KIET HOAN
KIEM HA
NOI
SO DO 889,16408

01 NGUYEN
VAN
CU DA
LAT
QSD
TUYEN
SON
DA NANG
(41.531M)
KHU DAT
TUYEN
SoN DA NANG
(6.157,
QSD
14HA
HOA MINH
LIEN
CHIEU
DA NANG
QSD
DAT
CLB
SHB DA
NANG(Co
TG
SD 50 NAM)
QUYEN
SD
DAT
33 LY THUONG

TRUONG
XUAN
QSD
DAT
BINH THUY
OSD DAT.GARAGE
XE
QSD
DAT THANH
QUOI
QUYENSU DUNG DAT
NHA 89 NGUYEN
VAN
LINH.DN
QUYEN
SU
DAT NHA
SO 91 NGUYEN
VAN LINH
QUYEN
SU DUNG
DAT
30t09t2011
31fl2t20t0
67,335,000,000
38,104,1
05,500
61,769.634,500
43,946.530,500
43,943,1

49,001,464,795
650,000.000
300,000.000
637,812,000
'40g,0g0,000
253,800,000
4,37
6,174,000
4,316,990,400
5,21
I
.535,400
67,335,000,000
38,
I 04,1
05,500
61,769,634,5A0
43,846,530.500
43,843,1
70,500
43,837,1
70,500
65,575,555,000
56,519,267,000
I 00,900,535,500
I
53,20
1,930,000
30,449,760,000
22,523,967,000

Cd
ph6n
Sni Gdn
- Hn
NQi
26.T^i
sin
C6 khdc
Cric
khoan
ldi,
phi
phii
thu
Chi
phi
xdy
drmg co
bdn do
dang
C6c kho6n ph6i
thu
(*)
Du
phdng
nii
ro oho c6c
titi
s6n C6
kh6c

0U01t2011
\r\ID
2,721,330,599,995
106,944,639,791
1,799,746,43r,690
944,267,914,113
957,092,954,329
167,766,500,923
7
,862,695,492,7
61
872,325,799,493
5,4720199,495,579
3,859,970,637,496
(*):
Khdng
bao
giim
tdi sin thu6
thu nhdp hodn
lai vd c6c
khodn
phAithu
tir ciic
giao
dich
n9i
b0.
27.CAc khoin
nq

hgn
- Bine
VND
5,421,559,674,603
5,421,319,953,691
239,920,922
16,054,799,042,000
14,780,824,442,000
1,27i-,964,600,000
4,960,133,659,390
4,960,018,977
,136
114,792,254
8,311,405,160,554
8,089,399,1
60,554
222,006,000,000
13,271,539,919,944
- Bdng vdng
vd ngoai
tQ
21,476,349,7t6,603
t9
WSH,H
Ngin
hing
Thuong
m4i
CO
ph6n

td
Tiin,
vdng gfri
cd
ki
hgn

;.
-
I ren
gui
co
kj,
han
bdng VND
-
Ti€n
gui
c6
ky han
bing vdng,
ngoai
Tiin
gfci
viin
chuy€n
dilng
Tiin
gfti
tV

tu,
cho
vay
t0 chric
tin
dgng
chiu
rrii
ro
30109t201r
\rNID
VOn
nh4n
tdi
tro,
riy th6c
dAu
tu,
cho
vay
bing'r'ND
r rl
Vdn
nhan
tdi
tro,
riy
thdc
dAu
tu,