SHB
NGAN HANG THVONG M21 C6 PHAN SAI GON - HA NO
77 Trail Hung Dao - Quart Hoan Kim - Ha NOi
Tel: 04.39423388

Fax: 04.39410942
Bao cao tai chinh rieng
le
Quy III ram 2012
MAu se: Q-Ola
Chi tieu
TD - BANG CAN DOI Kt TOAN
MA chi Thuyet
tieu minh
SO cuOi ky
Don vi tinh: VND
SO
diu nam
A. TAI SAN
I Tien mat, yang bac, da quf
II Tien girl tai NHNN
III Tien, yang giri tai cac TCTD khfic va cho vay cac TCTD khac
1 Tien, yang girl tai the TCTD khac
2 Cho vay the TCTD khac
3 Dv phong rui ro cho vay cac TCTD kirk
IV Chun khoan kinh doanh
1 Chung khoan kinh doanh
2 Dv phong giarn gia chirrig khoan kinh doanh
V Clic cling ca
tai chinh phai sinh va cac tai san tai chinh khic
VI Cho vay khfich hang

X
Bet dang san dau tu.
a Nguyen gia BDSDT
b Hao mon BDSDT
XI Tai san CO kink
1 Cac khoan phai thu
2 Cac khoan lai, phi phai thu
3 Tai san thud TNDN hoan lai
4 Tai san C6 khac
- Trong do: Lqi the thuang mai
5 Cac
khoan chr phong rui ro cho cac tai san C6 ni5i bang khac
TONG TAI SAN CO
110
15
656,815,054,142
425,103,583,283
120
16
1,666,848,123,213
35,111,525,637
130
17
25,826,658,382,558
18,608,137,989,519
131
25,826,658,382,558
18,608,137,989,519
132
139

5,717,151,754,367
2,610,840,000,000
179
(115,825,604,465)
(14,685,653,800)
210
23
720,895,068,043
353,313,240,893
211
167,710,070,000
20,000,000,000
212
77,000,000,000
213
214
502,547,525,375
334,289,000,000
219
(26,362,527,332)
(975,759,107)
220
3,601,031,215,112
2,254,131,121,744
221
24
383,953,076,897
166,929,637,423
222
651,916,978,948

253
254
5,138,003,172,077
2,142,577,606,288
255
259
300
103,418,851,772,445
70,962,793,199,261
'HANG
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VIII VOn va cac quy
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Von cua TCTD
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c Thing du van ca phan
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T • (I PHAI TRA VA VON CHU'

29
65,624,769,265,633
34,814,646,881,855
340
19
350
30
352,547,922,742
226,386,012,419
360
4,268,924,668,602
11,205,239,761,180
370
2,981,284,364,054
817,790,400,754
371
1,577,479,588,904
523,636,092,471
372
373
31
1,353,123,590,001
267,839,366,098
379
31
50,681,185,149
26,314,942,185
400
95,108,929,423,696
65,158,100,189,923

103,418,851,772,445
70,962,793,199,261
910
43
6,428,772,258,448
3,208,805,978,726
911
20,560,000,000
912
368,492,003,476
538,227,852,678
913
6,039,720,254,972
2,670,578,126,048
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4 Chenh loch
s6
tien thoc thu/thoc chi tir hoat Ong kinh doanh chimg
04

khoan, yang bac, ngoai tg
32,011,275,790
50,653,058,795
5 Thu nhap khac

05
102,822,288,212
4,391,249,570
6 Tien thu cac khoan no da ducfc xu 1S
,
xoa, ba dap bang ngute do
06

phong rui ro
3,120,076,001
987,139,747
7 Tien chi tra cho nhan vien va hoat Ong quanbi, ding vu (*)

07
(1,524,288,488,664)
(753,884,429,484)
8 Tien thue thu nhap thoc nOp trong IcSI(*)

08
(279,587,096,985)

1,600,897,981
(8,712,466,848)
12 (Tang)/Giam cac khoan cho vay khach hang

13
(17,952,131,326,323)
(3,950,692,637,914)
13 (Tang)/Giam ngulm do phong de NI dap ton that cac khoan (tin
14

dung, chimg khoan, dau tu dai han)
14 (Tang)/Giarn khac ve tai san hoat dOng

15
(4,417,880,087,460)
(1,878,800,535,182)
Nhieng thay thu ve cong np' hogt d'Ong
15 Tang/(Giam) cac khoan no Chinh phil va NHNN

16
(1,384,953,736,805)
1,027,168,228,878
16 Tang/(Giam) cac khoan tien giri, tien vay cac TCTD

17
5,213,966,937,795
8,204,809,896,659
17 Tang/(Giam) tien giri dm Ichach hang (bao Om ca KBNN)

18

22 Chi tir cac guy dm TCTD (*)

23
(33,836,049,636)
Liu chuyen fib' thuAn tir ho#t dOng kinh doanh

24
(16,076,508,101,639)
6,750,549,449,935
II LI
X
U CHUYEN TIEN TV HOAT DQNG DAU TIY
1

Mua sim tai san co djnh

25
(1,774,469,362,830)
(36,772,822,183)
2 Tien thu tir thanh
1ST,
nhucmg ban TSCD

26
241,999,091
181,818,182.00
3 Tien chi tir thanh l, nhugng ban TSCD (*)

27
4 Mua sam bat Ong san dau tu (*)

Urn chuyen tan thuitn tir ho#t dOng dAu fir

34
(2,162,972,125,769)
(21,993,305,801)
III LIX CHUYEN TIEN Ti! HOAT DQNG TAI CHINH
1
1 Tang von dieu 1g

35
2 Tian thu tir phat hanh giay t& c6 gia dai han c6 du diOu kign tinh vao
36

von tv c6 va cac khoan von vay dai han khac
TiOn chi thanh
town
giay t6 c6 gia dai han c6 da

tinh vao
3

37
von tv c6 va cac khoin von vay dai han khac
4 CO tut tra cho co &Mg, lqi nhuan da chia (*)

38
5 Ti'en chi ra mua co phieu ngan quy (*)

39
6 Tian thu duqc do ban c0 phie


1,318,276,400,000
(179,385,600,000)

(248,063,192,315)

(220,193,050,420)
0

3,803,391,807,685

918,697,749,580.00
IV Ltru chuyen tan thuAn trongkk

42

(14,436,088,419,723)

7,647,253,893,714

20,013,338,515,106

9,501,678,182,455

NGAN HAN
THIIONG MAi Co'PHA
SAI CaN^HANol
4
4
, s

Ong Pham HOng Thai
Ong Pham Ngoc Tuan
Ba Dam Ngoc Bich
Ong Le Quang Thung
Ban kie
h
m soat
0041-NH/GP ngay 13 thang 11 nam 1993
GiAy pile') hog Ong do Ngan hang Nha nude Viet Nam cap
Th6i han hog Ong caa Ngan hang la 40 nam ke tix ngay cap giAy phep
dAu tien.
Chu tich

Tai b6 nhiem ngay 05 thang 5 nam 2012
Uy vien

Tai b6 nhiem ngay 05 thang 5 nam 2012
Uy vier'

Tai b6 nhiem ngay 05 thang 5 nam 2012
Uy vien

B6 nhiem ngay 05 thang 5 nam 2012
1:1y vien

B6 nhiem ngdy 05 thang 05 nam 2012
Uy vien

B6 nhiem ngay 05 thang 05 nam 2012
Thanh vien Oc lap

Tai b6 nhiem ngay 05 thang 05 nam 2012
Tai 136 nhiem ngay 05 thang 05 nam 2012
B6 nhiem ngay 05 thang 05 nam 2012
Tai 136 nhiem ngay 05 thang 5 nam 2012
Tai b6 nhiem ngay 21 thang 5 nam 2010
B6 nhiem ngay 01 thang 9 nam 2006
136 nhiem ngdy 05 thang 6 nam 2007
B6 nhiem ngay 10 Jiang 4 nam 2009
B6 nhiem ngdy 01 thang 11 nam 2010
B6 nhiem ngay 15 thang 3 nam 2011
B6 nhiem ngay 08 thang 06 nam 2012
B6 nhiem ngay 15 thang 09 nam 2012
SO 77 - TrAn Hung Dao - Q.Hoan Kim - TP.Ha N6i - Viet Nam
2.

Da"c diCm ho#t Ong ciia to char tin liking
Ngan hang Thuang mai Co phAn Sai GOn - Ha N6i (duai day goi tat la "Ngan hang") la mot
ngan hang thuong mai c6 phAn Viet Nam thanh lap tai nuoc C6ng hem Xa hoi Chu nghia Viet Nam
vai died gian hoat dOng la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 cila Ngan hang
SHB
Ngfin hang TMCP Sal Gen — HA Ni
Nha nu& Viet Nam. Ngay 28/08/2012 Ngan hang TMCP Nha Ha N6i (Ten vie't tat: HBB) chinh
tilt:re sap nhap vao Ngan hang TMCP Sai Gem — Ha N6i ( Ten vik tat : SHB) theo QD 1559/QD —
NHNN, vi vay so lieu thuyk minh cho ky nay la so lieu hop nhat SHB va HBB, so lieu thuy6t
minh cho ky truac la so lieu cila SHB.
VOn di6su le cila Ngan hang tai ngay 30/09/2012 la 8,865,795,470,000 dong (Tam nghin tam
tram sau muai lam ty bay tram chin lam trieu bon tram bay muoi nghin d6ng).
chinh cua Ngan hang dat tai SO 77 - Tran Hung Dao - Q.Hoan Kim - Ha N6i - Viet Nam.
Tai ngay 30/09/2012, Ngan hang co 4418 nhan vien (Dau nam 2012: 2574 nhan vien) .
3.

lai chg phan 136. Gia tri phu tr0i hoac chi& khau (n6u co) ciing dugc phan anh vao gia tri ghi so cua
khoan dau tu. Lai dugc du thu hoac phan 1706 theo phuang phap dugng thang. Chung khoan dugc
gift d6n khi dao han se dugc xem xet ve kha nang giam gia. ChUng khoan dugc lap du phong giam
gia khi gia tri thi truerig nh6 han gia tri ghi so. Du pheng giam gia dugc ghi nhan vao bao cao kk
qua hog dOng kinh doanh.
SHB
Ngfin hang TMCP Sai Gan — Ha N(ii
6.
Chting khoan dau to sin sang cue ban
ChUng khoan dAu to san sang
a
ban la cac chirng khoan dugc giix trong theri gian khong an
dinh truck, co the dugc ban de dap frng nhu cat' thanh khoan hoac de Crng phO vad trung hop thay
d6i lai suAt, ti gia, hoac gia tri chimg khoan. Ngan hang dang ghi nhan cac chimg khoan nay theo
gia g6c Ong lai du thu hit lai cher phan b6. Gia tri phu tri hoac chit khau (nett co) ding dugc
phan anh vao gia tri ghi s6 cua khoan dau tix. Lai dugc du thu hoac phan b6 theo phuang phap
duerng thang. Cac chang khoan nay dugc danh gia dinh ky theo gia tri thi truOng va du phong giam
gia tri se dugc lap khi gia tri thi trung nh6 hon gia tri ghi s6. Du phOng giam gia dugc ghi nhan
vac, bao cao ket qua hoat d6ng kinh doanh.
7.
Chting khoan kinh doanh
ChUng khoan kinh doanh IA chi:mg khoan ban dau dugc mua va nam giiz cho muc dich kinh
doanh trong ngan han hoac neu Ban T6ng Giam d6c guy& dinh nhu vay. Ngan hang dang ghi nhan
cac chUng khoan nay theo gia g6c vao ngay giao dich. Trong cac ky tiep theo, cac chirng khoan tip
tuc dugc ghi nhan theo gia goc. Tuy nhien, gia tri thi twang cua cac chirng khoan van dugc Ngan
hang theo doi de danh gia ve khA nang giam gia khi gia tri thi truemg thap han gia g6c. Ngoai tit
truemg hop kh6ng the xac dinh gia tri thi truemg mot each chac chan thi gia tri cfra chung doge tinh
dua tren nguyen gia sau khi tit di ton that trafc tinh (neu co). Lai hoac 18 tit kinh doanh chimg
khoan dugc ghi nhan tren bao cao ket quA hoat dOng kinh doanh theo s6 thuan.
8.

••Cac khoan no co cAu lai thai han tra no lAn du, nit cac khoan
nq
dieu chinh kSt han tra
no ran dAu phan loaf vao nhom 2;
••Cac khoan no duoc mien hoac giam lai do khach hang kh6ng du kha nang tra lai dAy du
theo hop d6ng tin dung;
Nhom 4: Nq nghi nger
•• Cac khoan no qua han tir 181 den 360 ngay;
•• Cac khoan nq co
.
cAu lai thai han tra no lAn dAu qua han duai 90 ngay theo thai han
tra nq duoc co cAu lai lAn dAu;
•• Cac khoan no ca cAu lai thai han tra no lAn thin hai;
NhOm 5: Na có kha tieing mat van
•• Cac khoan no qua han tren 360 ngay;
Cac khoan no co cAu lai thai han tra nq lAn dAu qua han tir 90 ngay tra len theo thai
han tra no duot ca cAu lai lAn dAu;
•• Cac khoan no co
.
cAu lai thai han tra no ran thir hai qua han theo thai han tra no
duoc co cAu lai lAn thir hai;
•• Cac khoan no co
.
cAu tai that han tra no lAn thir ba tra len, ke ca chua bi qua han
hoac da qua han;
•• Cac khoan no khoanh, nq chef xir 1)"T;
Theo Quyet dinh s6 493/2005/QD-NHNN ngay 22 thang 4 nam 2005 va Quyet dinh s6
18/2007/QD-NHNN ngay 25 thang 4 nam 2007, d6i vai cac khoan no qua han, t6 chik tin dung
phan loci lai vao nhom no CO run ro thap han khi Ngan hang danh gia la co dfi kha nang thu h6i dAy
du ca g6c va lai; va khach hang c6 tai lieu, 116 sa chimg minh cac nguyen nhan lam khoan no nay


20%
4

Ng nghi nga

50%
5

Ng co kha nang mat von

100%
9. TM san co dinh
Tai san c6 dinh dugc the hien theo nguyen gia trir di khau hao lay ke. Nguyen gia bao g6m
toan b6 cac chi phi ma Ngan hang phai bo ra de CO dugc tai san c6 dinh tinh den thai diem dim tai
san do vao tang thai san sang sir dung. Tai san c6 dinh dugc tinh khau hao theo phuang phap
dm:mg thang de trir clan nguyen gia tai san trong su6t thOi gian hiru dung trac tinh nhu sau:
- Nha cfra, vat kien truc

10 - 25 nam
-
May mOc, thiet bi

03 - 05 nam
- Phuang lien van tai

06 - 10 nam
-
Dung cu quan ly va phan mem tin hoc


Ghi nh4n thu nh4p tir phi
va
hoa hang ditch vu
Ngan hang thu phi tir cac ditch vu cung cap cho khach hang. Thu nhap tir phi c6 the chia thanh
cac nh6m sau:
••

Phi thu tir viec cung cap ditch vu trong mot thoi gian What dinh:
Phi thu tir viec
cung cap ditch vu trong mot thai gian nhat dinh dugc du thu trong su6t tiled gian do. Phi nay
bao Om phi quan 15
,
, phi nhan uy thac, hoa 116ng va cac phi lien quan den al) tin dung,
quan 15
,
tai san, phi quan
15
,
danh muc va cac chi phi quan 15
,
cling nhu phi to van khac.
••

Phi thu tir viec cung cap ditch vu giao ditch:
Phi phat sinh tir viec dam phan va tham
gia dam phan cac giao ditch cho mot ben thfr ba, vi du nhu dan x6p viec mua c6 phAn hoac
cac loai chimg khoan khac hoac mua lai doanh nghiep , dugc ghi nhan khi hoan tat giao
ditch lien quan. Phi hoac mot phdn cua khoan phi nay co lien quan den viec thuc hien mot
cong viec nhAt dinh se dugc ghi nhan khi hoan tat di6u kien twang irng.
N

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35,111,525,637
Tian ph phong Oa (nau co)
-
-
Tien giri khac
-
1,666,848,123,213
35,111,525,637
17.
Titn, yang girl tai va cho vay cac tb chtic
tin dung khac
30/09/2012
31/12/2011
VND
VND
Tidn, yang gui khong kj, hgn
3,088,586,918,028
3,158,245,174,689
- Bang VND
2,233,901,477,594
3,071,464,876,998
- Bang ngoai ta, yang
854,685,440,434
86,780,297,691
Tidn, yang geri có kj, han
22,738,071,464,530
15,449,892,814,830
- Bang VND
21,180,137,064,530
14,079,410,414,830

ChUng khoan V6n do cac TCTD khac trong
were phat hanh
-
Chung khoan V.Sn do cac TCKT trong nu&
phat hanh
Chung khocin kinh doanh khdc
Du
phbng gitim gia chti-ng khotin kinh
doanh
698,500,000
121,604,500,000 19. Cac cling cu tai chinh phai sinh va cac tai sin tai chinh khac
Ti
4 ngay 30 thang 09nam 2012
Tang gia tri efta hap
d'
ang (theo ty gia ngay
Tong gia tri ghi so ke toan
(theo ty gia tot ngay lap bet° cao)
hieu Ittc hop dOng)
Tai san
Cong no
Cling cy TCphai sinh tien to
1,320,746,482,210
2,434,936,718
Giao dich ky han hen t"
712,663,715,800
3,167,340,435

257,807,906,909
22,168,473,454
Cho thue tai chinh
Cac khoan tra thay khach hang
283,841,675
2,270,922,114
Cho vay bang von tai trg, uy thac dau to
79,781,322,716
10,718,810,674
Cho vay d6i voi cac to chirc, ca nhan nuerc
ngoai
474,632,700,416
Cho vay khac
20,617,402,031
203,274,991,859
Na cho vay dirge khoanh va ng cho' xix
'
13i
47,110,791,966,228
29,158,660,639,905
20.1. Phan tich chAt Itro
.
ng no cho vay
30/09/2012
31/12/2011
VND
VND
No du tier chuAn
33,814,397,377,824
27,413,610,255,517

47,110,791,966,228
29,158,660,639,905
I SHB
Ngan hang TMCP Sai Gan — Ha Ni
i)
20.3. Phan tich du no
.
cho vay theo doi tuvng khach hang va loai hinh doanh nghi0
30/09/2012
trig u VND
0/
0

31/12/2011
triku VND
Cho vay cdc TCKT
35,598,266
75.56
19,951,578
73.02
Doanh nghiep Nha nu& trung ucmg
2,117,399
4.49
791,375
3.55
Doanh nghiep Nha nude dia phucmg
409,954
0.87
224,399
1.56

Doanh nghiep c6 von dau to nudc ngoai
500,501
1.06
328,493
2.56
Kinh to
tap th6
69,650
0.15
16,867
0.09
Cho vay cd nhan
11,364,275
24.12
9,075,962
26.48
Cho vay khdc
148,251
0.31
131,121
0.51
47,110,792
100.00
29,158,661
100.00
SHB
Ngan hang TMCP Sai Gan - Ha NOi
20.4. Phan tich du no' cho
vay
theo nganh kinh to

Gido duc va dao tao
Y to va hoat dOng tra giup xa hOi
Nghe thuAt, vui chai va giai tri
Hog &Ong dich vu khac
Hoat Ong lam thue cac cong viec trong
cac 11O gia dinh, san xuAt san pham vat
chat va dich vu to tieu dimg cua 110 gia
dinh
Hoat dOng caa cac to chirc va ca quan
cititc to
6,259,455
3,072,458
9,835,797
1,325,366
25,527
4,363,831
8,281,046
4,181,194
1,251,189
92,558
348,080
1,728,403
20,421
56,700
4,578
43,634
68,885
16,901
5,887,120
239,980

782,871
28,032
463,209
1,392,049
24,458
32,697
5,303
13,480
45,346
12,709
3,822,944
185,738
35,308
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9.53
18.07
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4.82
3.75
0.10
1.40
4.45
0.07
0.10
0.01
0.04
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r
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SHB
Ngan hang TMCP Sai Gan — Ha Nh'i
21.
Du phong raj ro tin dung
Du phong chung
VND
Du phOng cu th6
VND
ly
/wiz
200,004,430,998
138,554,689,039
154,962,118,692
1,339,019,678,559
SiS du.
du
k'
Du ph6ng rui ro trich lap trong kji/ (Hoar' nhap
du phong trong kS)
Du phong giam do ?dr ly cac khoan ng kho thu
h6i bAng ngutm du
.
phong
Di6u chin
' h tang/ (gam) khac
S6 dir cuoi k5
338,559,120,037

Chung khoan C hinh phu
Chirng khoan Ng do cac TCTD khac trong
nuac phat hanh
Chimg khoan Nq do cac TCKT trong nuac
plat hanh
Chung khoan Nq nuac ngoai
Cherng khorin Von
ChUng khoan V6n do cac TCTD khac trong
mac phat hanh
Chimg khoan V6n do cac TCKT trong nuac
phat hanh
- Chimg khoan Win nuac ngoai
Du phbng gitim gia chieng khoein san
sang di ban
12,236,554,499,737
7,649,118,226,833
SHB
Ngfin hang TMCP Sai Gan — Ha Ni
a
22.2. Chtieng khoin dau to gilfr den ngay dao han
30/09/2012
VND
31/12/2011
VND
Chimg khoan Chinh phir
Chung khoan Ng do cac TCTD khac trong nubs
phat hanh
- Ching khoan Ng do cac to chirc kinh to trong
r


Cac khoan dau hx dai han khac
502,547,525,375
334,289,000,000
Du phong giant gia dAu to dai han
(26,362,527,332)
(975,759,107)
720,895,068,043
353,313,240,893
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25. Tai san co dinh vo hinh


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Khoan mac

Quyen sir dung at
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- Giant khac
29, 343,723, 000
-
29,343,723,000
SO dir cuOi ky
3,128,514,546,561
132,749,900,574
21,983,080,310
3,283,247,527,445
Gia tri hao mon 107
SO du. dfiu ky
631,102,326
14,064,122,632
4,249,751,607
18,944,976,565
SO tang trong ky
118,358,684
33,978,293,674
13,127,760,307
47,224,412,665
- Khau hao trong ky
118,358,684
33,978,293,674
13,127,760,307
47,224,412,665
- Tang khoic
So
giant trong kj
,



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dat
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tinh
T'ai san co dinh
vo hinh khfic
Don vi tinh: VND
COng
Nguyen gia
SL du dau ky
1,380,377,188,421
5,988,310,020
20,000,000,000
1,406,365,498,441
S6 tang trong ky
650,274,165,640
47,523,716,495
1,983,080,310
699,780,962,445
- Mua trong 19)
650, 274, 165, 640
47, 523,716, 495
1, 983, 080, 310
699,780,962,445
SO giam trong ky
SL du caii

18,944,976,565
Gia tri con lai
Tai
ngay da‘u
ky
1,379,903,753,685
2,696,353,011
16,999,315,304
1,399,599,422,000
Tai ngay cuLi
ky
2,030,020,251,735
39,447,903,883
17,733,328,703
2,087,201,484,321
Danh muc Quytn sir dung fiat
30/09/2012
VND
3 1/1 2/2 01 1
VND
Tinh CAn Thu
69,584,692,000
69,584,692,000
Tinh DA Nang
265,025,461,586
265,025,461,586
Tinh HA N6i
2,734,282,736,875
1,665,308,835,375
Tinh Khanh H6a