WSFTB
:ltjilj
jl;j$r
r:nr:
l:tts:iij$
:rrt)-,ri+nlt
NcAN
HANG
THl"oT{c
MAr
co
pmN
sAr
cdx -
HA
Nol
77I'rdn
Hung
Dpo -
eu4n
Hoan
Ki6rn
_
H;N;i-
-
Tel:
04.39423388
Fax:04.3941e942
86o
e6o
tii
Si5
Oiu
nem
A.
TAISAN
I
Ti€n
m{t,
vAng
b4c,
tt6
quf
II
Ti6n gfti
tai
NHNN
III
Ti6n,
ving
gfri
t4i
c6c
TCTD
kh6c
vi
chn
vay
c6c
TCTD
kh6c
khorin
kinh
doanh
2
DU phdng
giim
git"chring
khorin
kinh
doanh
v
cdc
c6ng
cg
tii
ehinh
phii
sinh
vi
cic
tii
s6n
tii
chinh
khic
W
Chovaykhichhing
I
Cho
vay
20
169
2l
170
22
171
172
179
210
23
2lr
212
2r4
)1q
220
.
2Zt
24
222
223
224
22s
226
))1 t(
228
229
240
241
241
250
,636,740,990,717
98,g2g,3gg,040.64
99,51
1,870,109
/683"472,068)
24,1.A3,032,795,693
24,375,588,493,562
(272,s5s,697
,879)
8,767,942,245,109
1,48r,36t.119,909
r
,300,000,000,000
(
t 3.418"874,800)
333,389,000,000
, i
^N4NTI
Chring
kho6n
diu
ru
,, lll]r^,\il1
Chung
khodn
dAu
tu
s6n
sang
d6
/VllJ
Grip viin.
tliu
tudhi
h4n
1
Ddu
tu
vAo
c6ng
ty
con
2
Y6ng6p
li€n
doanh
3
Ddu
tu
viro
c6ng
ty
li6n
k6t
4
DAu
tu
dii
han
khdc
TSCD
htia
hinh
2
Tii
san
c6
Oinn
thu€
ti.i
chinh
a
NguyAn
gid
TSCD
b
Hao
mdnTSCD
3
Tli
san
c6
dinh
v6
hinh
a
Nguy€n
gid
TSCD
v6
2
Cdc
kho6n
ldi,
phiphdi
thu
3
Tdi
san
thu6
TNDN
ho6n
lai
4
Tdi
sdn
C6
khric
-
Trong
d6:
Lqi
thA
thtrong
mqi
5
C6c
khoan
dg phdng
rii
(.50,21
1,078,936)
1,399,599,422,000
1
,406,365,498,441
(6,766,076,441)
3,859,970,637,496
2,A30,461,983,684
957,082,854,32.)
872,325,799,483
61,039,939,640,424
51,032,g61,262,594
Chi
ti6u
Md
chi
ti6u
Thuytit
minh
sii
cu6i
ry
Sii
aiu
nem
B
Nq
pltir
rRA
vA
khric
III
Ti6n giii
cfra
kh6ch
hing
rY
cdc
c6ng
cg
tii
chinh
ph6i
sinh
vi
c6c
khoin
nq
tdi
chinh
kh6c
V
Viin
tii
trq,
uf
th6c
ttiu
tu,
cho
ph6i
trd
3
Cdc
khoan
ph6i
trd
vir
c6ng
ng
khric
4
DF
phdng
rui
ro
kh:ic
T6ng
Nq ph6i
rri
VIII
Viin
vi
c6c qui
I
V6n
crla
TCTD
a
vtin
379
400
500
410
411
412
413
414
415
416
420
430
440
450
100
800
910
911
912
9r3
.
29
t9
30
27
700,000,000,000
17,664,492,255,103
28
17,664,492,255,103
33,145,155,422,;31
3,759,550,477,761
3,497,519,070,000
98,000,000,000
(5,2s9,57r,600)
t69,290,979,36r
423,664,049.598
3l
JI
32
I
I
2
:)
TCTD
l6ch
drinh
gi:l
l4i
tdi
s6n
lQch
tyi gi6
h6i
do6i
chua
phdn
ph6i
cd
tt6ng
thi6u
khric
Lgp
bi6u
aw>.
Nguydn
Th!
Thrty
61,039,93g,640,424
5 L,032,g61,262.5g4
1,901,729,792,656
1,269,565,20g.g91
678,318,089,492
s87,663,gs6.526
1,123,4r0,7a3,rc4
68r.g01,252.465
Ninh
Th!
I-on
phrong
28
rhdng
7
ndm
201
I
t'eAnr
Hnrrii
(lrH-l{j
q\
c!
aO ?.,
5
d
rri
Uj
aa
!l
c.
Q :i
:t
F
t- o-
-1^
o
S !o :
\o
o\
ta
o\
oi e.i
\o
o"I"]a€ !\dL:a9ul='"f
.1
of
q"1
"i\
-
oC Fl
€ $ r\
ir)
irldaidad=8 i
6i€rI
:
Fd;
ij-t
v-,o\coc\l\cNqc€6i-r'-F<'
3
oid
eI
t+
j-
-
N
€l\
*R$^sssE=gl$naRssin
Es
i
*:f*a*g=a5nA**i*$3 ia
i
qqqSSlii="csEn$r
E $$5 !ip
ii
S5iF:$si=*
$;€
$
s+=
3g
I
-
e ta
.=^
o- $-
q
\
? d
v)
o-,rI €.^
{t^
+-
q
q.
o,
C-
c.
=
O
o|
O
ci \o
F
9 +
r-
s
ri
r-,
O
.f,
i
utF{
i{ ?i
r- O W
ri h,o
O
\O
6t
t
F N
in
c.i
il al
r r ==c*-,
1d ?rr19
ot.f q-
ad
\d
j".:-i.d-o.E-
idd
-
i3r.c
€e
€-tfic.l 6lO-+rOO\lA
oornfi-i:(\it-J':
oa
s
\
rq
-{
?
ca$
ca
-a-tN6tel
.?*
a
/=.
I.n
l<o i
lo
t<.
\=.
l-
tb
F5,
F
u
lrt
\t
f\,1
i{
|
&
CJ
z"
f:
z.
(5
-2.
'N,
r\
{\
=s\
H[
\
!
L
I
=.F
!rE'
E
=
oo
=.
=.
E'
,<s
<0 t7'=\<O
Itr
-tr
.=
.<q,
,:
'8.
.=
a
)
-_E:5=i:=_ 1.
cs 9E-CtrF<6JlJ
9
tr
h
i.6.,f F. E':g
E
tr:!
:J.
;
's';
I
E
E'i'€
dEqE
^
F
\CB \Cg
E_r
r€=.i
.E
=:"+€rooloa
t H 3
E =.:.E
E"e
'EE
€-Fy!!.s 6g
*
a
;:
€
€
g
E
1,
€':
=
e,S
E
f.
= j3
F fi f S fi
rc! rG
rcs 16
F rc'c! F S
F
\J
F
-
\J
I J J
rj
-
1,,,
bJ
-
iJ
+c.rH.n<-H==> i;F
__-_
_r___-
il
XXr-coXXXX
N
z
ci
z
z
\;h
O
F
<q)
a
0
I
r*i
z
H
F{
z
l.ra
rh
z
F(
F
a
Fr
\l
()
I
F
L)
-
9'.
2.;d
ts
-o\
86o c6o
thi chinh hgp nhAt
Quf
2 nIm 2011
Mdu
s6:
Q-03a
Tel: 04.39423388 Fax:
04.394
I
0942
TD
-
BAO
CAO
L{TU
CHUYEN
TIEN TE.PPTT.QUY
Gbi
ti6u
DVT. VND
Loy k6
tir dAu
nim
tl6n
cu6i
quf
II
t'r
;;.:
doanh chring
OO
Knoan. vallg
Dac. ngoar
te
5 Thu nh{p khric
05
6
li:"
thu.ciic khoan ncr
cla duo.c xu lyi xori,
bn dap bing ngu6n dUOU
pnong
rul r()
7 TiCn chi trA
cho
nhin vi6n vir
hoat d6ng
quan
lyi,
c6ng
vu
(x)
Oj
8 Ti€n thu6 thu nhdp thuc nQp trong ki)
(*)
08
Luu
chuy6n ti6n thuAn
til
.353.781)
0
(494,733,396,043)
(203,716,150,8
r2)
4 1g?
q51
41.i r5q
7,511,510,928,144
(2,7
t6,619,249,342)
40,938,278,93
t"
.
(2,899,590,560)
(235,
i 3s.309)
(29
,716,828,548)
4,306,275,48I,294
(26,961.48r,r48)
0
0
0
0
0
(5,500,000,000)
0
5,265.820,000
(27
4,265,54't
,212.9-t5
I 3,93
7 130.0(J0
t)
(707,3-54,076,383)
605,069,426,022
(32,3
r
5,789,555)
0
(l
0
0
0
0
(l
7.r3't.232.817
(25,178,556,678)
0027
S
9
0
(Tang)/Girim
cdc khodn
tiOn,
virng gui
vd cho vay
c6c TCTD khdc
(Tang)/Giam
khdc v€
tdi sdn hoat
ctdng
Nhiing
thay d6i
vi c6ttg nq
hogtt dQng
15 Tang/(Giam)
ciic khotin
ng
Chinh
phu
vh NHNN
l6 Tang/(Gitim)
ciic khoan
tiAn
gui,
tidn vay
c:ic TCTD
l7
Tdng/(Ciam)
ti€n
gni
cua
khdch hirng
(bao
gdm
cri KBNN)
,*
TinglCiamt phdr
cho
vay
mi
TCTD
chiu rui
_^
lv
)o
ro
20
2l
22
T'eng/(Giam)
cdc cdng
cU tiri chinh
phdi
sinh vd
c6c khoan
chinh kh6c
Tang/(Giam) khiic vd
c6ng no hoat
d6ng
Chi
tir ciic
qui
cua TCTD
('k)
Luu
chuy6n tidn thu6n
tir
Mua
s6m b6t dQng
srin dAu tu
(*)
Tiiin thu tir
bdn, thanh ly
bat dOng san
ddu tu
Ti0n
chi ra'do
b6n, thanh ly
bAt dQng san dAu tu
(*)
Ti6n
chi dAu tu.
g6p
v6n v)o
cdc don vi
khdc
Ti€n
thu dAu tu.
g6p
v6n vdo
cdc do'n
'"'i
khiic
Ti0n
thu c6 tttc vir ltri nhuAn
duo-c chia tir
ciic khoan dAu
cu6i
quy
lr
Ndm 201f
Ndm
2Ol0
III LTiU
CHUYEN TIEN
TT" HOAT
DONG TAI
CHiNH
; ,.: ,^
I I ang
von
oleu le
,
Ti0n
thu tir
phrit
hinh gidy
td c6
giri
dii han c6 du clidu ki6n
tinh
-
v6n tu
c6
vi
cdc khoain vdn vay
dii han khdc
bdn c6
phi6u
ngdn
qu!
Luu
chuy6n
ti0n thuAn
tir ho4t tlQng
tiri chinh
IV Luu
chuydn
tiOn thuAn
trong
kj'
V Ti0n vi
c6c kho:in
tu'ong duong
tidn
tai thdi
tli6m
dAu k)
VI
Did,u
chinh rinh
hu'ong
cua
thay dOi
1j
giri
VII Ti0n
0
0
(303.054,000)
0
(303,054,000)
579,587,815,3,14
2,904,606,661,404
0
3,384,194,476,749
0
0
vao,_
)l
38
39
40
4l
42
L6p
biOu
'\/
,//'/
I
,t'
Le
Th(ii Hd
KG
torin t."orfuV
Hd n6i,
ngdy
%
NW STTB
NgAn
hing
TMCP
Sii Gdn
-
Hn
NQi
THUYET
MINH BAO
CAO
TAI
CHINH HOP
NHAT
Quf
II.201r
1. Thdng
tin vd ngin
hirng
Gi6y
ph6p
ho4t
tlQng 0041-NFVGP
nghy
13 th6ng
11 nam
1993
GiAy
ph6p
Vdn
l{ai
Ong TrAn
Ngoc
l-inh
6ng
Phan
Huy Chi
A. m).
\-,ng
rran lnoal
6ng
Ld Ki0n
l'hdnh
,
.i
|'an
Krem
soat
Ong Nguy6n
Vdn
L0
Ong Ddng'['rung
Dfrng
Ong Bui
Tfn Nghi
Ong
L0 Ddng
Khoa
Pham
Dfc
Ph6
Trucrng
ban
Bb
Nguy6n
I'hi
l{0ng
UyOn
Th}rnh
vi6n
Ong Lucrng
Dfc
Chfuh
Thdnh
vi6n
Ong Br)i
Thanh
Tdm
Thdnh viOn
Ong Pham
IIda
Binh
Thdnh
viOn
Ban
T6ng
Gi6m tliic
B6 nhi6m
ngdy
ngiry
16
thr4ng
6 nlm
2008
86
nhiOm
ngdy
10
th6ng
8
ndrn
2010
86
nhi€m
ngdy
16
th6ng
6
nam
2008
tlO
ntiiem
nghy
20
th6ng
5
n6tn2}09
116 nhiCni
ngdy
2007
Bei nliiQrn
ngby
01 thdng
9 nam
2005
e6
nhiern
rrgay
05
thdng
6
rrarn 2007
B0
nhiQm
ngby
10 thdng
4 rfi.m
20A9
86
nhiOm
ngiy
01 th6ng
1l nrirn
2Ui0
B6
nhiQni
ngdy
15 thdng
3 ndrn
tor{n
trucrng
TrAn
Hung
Dao
Nffi
STTB
NgAn hing TMCP
Sdi Gdn
-
Hn
NQi
2.
D4c tli6m ho4t
tlQng cria td chric tin
dgng
Ngdn hing
Thucrng mai C6
phAn
Sii Gdn
-
HA Ngi
(duoi
day
goi
tit
li
"Ngdn
hdng") lb
mdt
nghin
tdm
tr[m mudi
ldm tj'bay
trdm
chin ldm tri€u
b6n
trdm bdy
muoi
nghin
d6ng).
HQi scr
chinh
cira Ngdn
hhng dat
tai SO
ZZ
-
Tr6n Hung
Eao
,
Q.I{oin
Ki6m -
Hd
NOi
-
Vi€t
Nam.
Tai
ngdy
bing ddng
Vi€t
Nam
(VND)
theo
Ludt
cric l'o
chric
Tfn dung,
Ludt
stra ddi vh
b6 sung
m6t
sO didu trong
Ludt
cdc
T6
chric
Tin
dung,
ciic chuAn
muc
k6 todn
vi6t
Nam vd
HC
th6ng K6
tor{n
c6c t6 chf'c
tfn
ko
todn lh
d6ng
vi6t
Nam
(vND).
4.
Nguy6n
tic
ghi
nhgn
c6c
nghiQp
vg blng
ngoai
t6 vi
quy
tliii
Theo
hd
th6ng
kC
to6n
cira
NgAn hdng,
t6,t cir,
c6c nghiOp
vu phdt
sinh cria
Ngan
c0n
COi
tC to6n.
C6c
kho6n
thu
nh4p
vh
chi phi
bing
ngoai
tC cua
Ngdn
hdng
duoc
hach
todn
bing
VND
theo
ry
gii{
vdo
ngdy ph6t
sinh
th6ng
qua giao
dich
mua
bdn ngoai
gi6
phdt
sinh
do
quy
d6i
ciic tii
sin vb
c6ng
ncr
kh6c
bang
ngo4i
tg sang
\rND
duoc
xu ly
vbo
doanh
sO cua
c6c khoan
muc
tucvng
img
trOn bdng
cdn
AOi
tC todn
vho
ngay
c6
dinh
hoac
c6 th€
x6c
dinh
duoc vd
Ban
1'6ng
Gidm
doc
c6 y
dinh vb
c6 khd
ndng giu
d€n nghy
d6o
han.
Ngdn hdng
dang
ghi
nhAn
cdc
chirng
kho6n
ndy
theo gi6 g6c
c6ng
ldi
du
Chimg
kho6n
duoc
gifi
d6n
khi
ddo han
sE ducvc
xem
x6t vd
khd
ndng
giam
gi6.
Chrmg
kho6n
duoc
ldp
du
phdng
giam
N:- SffB
NgAn
hing TMCP
Sii Gdn
-
Hh
NQi
gi6
kai
an
dinh trudc,
c6 th€
dugc bdn Ae Aap ring nhu
cAu thanh khodn
hoac
d6 rmg
ph6
v6i
trudng
hqp thay
AOi tal
su6t, ti
gid,
hoic
giri
trf
chimg kho6n.
Ngdn hdng
dang
ghi
nhdn
c6c chring
kho6n
nby
theo
gi6 gdc
cQng ldi
du thu tru ldi
cho
dinh
kj,theo gi6
tri thi
trudrng vh
du
phdng
giani
grdtrl
s€ duoc ldp
khi
gii'tri
thi trucmg nho
hcrn
gi6
tri
ghi
so. Du phong
gidm
gid
duoc
ghi
nhan
vdo
b6o c6o k6t qud
hoat dQng
kinh doanh.
7.
Chrlng kho6n kinh
doanh
Chtmg khoi{n
ti6p
tuc
duoc
ghi
nhdn
theo
gid gdc.
Tuy
nhi6n,
gi6
tri thi
trucrng
cua
c6c chimg
kho6n
v5n
duoc Ngdn
hhng
theo
d6i dC
ddnh
giri
vd
khd nang gidm gi6
khi
gi6
tri thi truong
th6p
hcrn gir4
g6c.
khoi{n
duoc
ghi
nhdn
trdn
biio crio
k6t
qud
hoat ddng
kinh
doanh
theo
sO thuAn.
8.
C6c
khof,n
cho vay
Ci{c khodn
cho vay
ngin
han c6
kj'han
du6i
I n[m;
c6c
khodn
cho
vay
vd
cho
phdng
rui ro
tin
dung
duoc
thuc
hi€n
theo
Quy€t
dinh
s0
493/2005/QD-NHNN
ngiry
22 th6ng 4
ndm 2005 vI
Quy€t
dinh
s6 L8/2007/QD-NHNN
ngdy 25
th6ng
4 ndm 2007
cua Thong
d6c Ngdn
hdng
Nhd nuoc Vi0t
Nam.
C6c
khoin
cho vay
duoc phdrr
g6c
vh
ldi
dring thoi
han;
o
Circ
khoin no qu6
han
dudi 10
ngby vir
Ngdn
hdng
ddnh gi6
lh
c6
khd ndng
thu h6i
dAy
du
gdc
vd
lai bi
qu6
han vh
thu hdi
dAy dir
g6c
viL
l6i
C6c khoAn no co
cdu
lai
thoi h4n trA ncr trong
han theo
thcvi han
duoc co
cAu lai.
Nhdm 3:
Ne druti ti0u chuan
o
(ldc
khoin no qud
h4n
tir
91 den 180 ngayl
o
C6c
khodn
no co
c6u lai
thoi h4n
trd no lAn
dAu,
trtr
c6c khoAn
ng diAu
chinh kj,han
tri
no lAn
tir 181
d€n 360
ngiy:
o
C6c khoan
no
co c6u lai
thdi han
tra no
lAn
dAu
qud
han
ducii
90 ngby
theo
thcri
h4u
tr6 no
duoc
co c6u
lai lAn
dAu;
o
C6c
khodn
no
co cdu lai
thoi
h4n
tri
90
ngay
tro len
theo
thoi
I
han
tr6 no
duoc
co
cAu lai
lAn
dAu;
I
o
Cdc
khodn
no
co
cdu lai
thdi
han
trd
no lAn
thu
hai qu6
han
theo
thoi
han;
o
C6c
khodn
no
khoanh,
no
chd xu
ly;
Theo
Quy€t
dinh
sO
+SZ|ZOO5IQD-NHNN
nghy
22
th6ng
4
ndm
2005 vir
euytit
dinh
s6
1S120071QD-NHNN
ngity
25 th6ng
4
ndm
2007,
C6i vOi
khdch hdng
c6 thi li6u,
hd
scv chimg
minh
c6c
nguy€n
nhdn
llm
kho6n
no ndy
qud
han
duoc xu
l;i, khic phuc.
Ngdn
hbng
chu
d6ng
tu
quytlt
dinh phAn
loai
cdc
kho6n
no
vdo
cdc
nh6m
ncv
doanh
vd
linh vuc
kinh
doanh;
o
C6c chi
ti€u
tdi chinh
cira
khdch
hang
ho4c
khi
ndng
tri
no
cria
kh6ch
hdng
bi
suy
gidrn;
o
Khdch
hdng
kh6ng
cung
cdp cho
Ngan
nii ro tin
dung:
Vi6c
tinh du
phong
cu the duoc
cdn
cri tr6n cdc
ty 16
6p dung cho
ttmg nh6m no
nhu sau:
Nh6m
1
z
a
J
+
5
Lo4i
,i
1\(}
clu tleu cnuan
Ncr
cdn chLi
!
Ncy duoi
ti6u
chuAn
Ncr
tin
hoc
Ty le
dr;
phbng
cB the
Oo/o
5Vo
20Vo
50o/o
I00o/o
9.
Tii sin
cti
Ainn
Tbi
san cO Cinfr
duoc
th6 hi6n
theo nguy6n gi6
tru'di
khdLu
hao liry
k€.
Nguyen gir4
bao
gAm
tobn b6
c6c chi
phi
thing
de tru
dAn nguy€n gid
tbi sdn
trong
su6t
thcri
gian
hfru
dung
ucic
tfnh nhu
sau:
10
-
25
nam
03
-
05
nam
06 -
10
ndm
03
-
08
ndm
Quy€n
su
kh6ng
tffi
khAu
hao.
10.
Tidn
vi c6c
khoin
tuong
tluong
tiiln
Ti6n vb
cdc khoAn
tucrng
ducrng
tidn
bao
g6m
tiAn
mdt, vdng,
d(t
quy,
ti€n gui
thanh
todn
tai
NHNN,
tfn
phi€u
Chfnh
thdi
han
ddo
han
kh6ng qud
3 thdng
k6
tu ngiy gui.
11.
C6c c6ng
cg tii
chinh
ph6i
sinh
Cdc
c6ng
cq
tdi chinh phrii
sinh duoc ghi
nhdn
tr6n
bdng
cdn
AOi
te
rodn
rheo gi6
trihcr-p
ddng
vdo
hoat
d6ng
kinh
doanh.
Loi
nhu6n
honc
16
chua thuc
hi6n
duoc ghi
nhdn viro
khoan
muc
chOnh
l6ch
ddnh gi6lqic6c
c6ng
NN STTR
NgAn
hing TMCP
Sii Gdn
-
Hn
NQi
cu tdi chfnh
phrii
sinh trOn bdng cOn d6i k6 to6n vd
ducrc kOt chuy€n vdo
k6t
NgAn hhng
thu
phi
tir
c6c dich vu
cung
cdp cho khdch
hdng.
Thu
nhflp
tri
phi
c6
th6 chia
thinh
c6c nh6m sau:
.
Pht
thu t* viQc
cung ciip dlch
vg trong
mQt thdi
gian
nhdt
itlnh:
Phi
thu tir vi6c
cung c6p
dich
vu
cfrng nhu
phf
tu vAn
khi{c.
o
Phi thu
ti'viQc
cung ciip dlch
vq
giao
dlch:
Phiphrdt
sinh
ttr vi6c
ddm ph6n
vd
tham
gia
dbm
ph6n
c6c
giao
dich
cho m6t
b6n thir ba,
vi du
nhu ddn
x6p vi6c
mua
c6
c6ng
viOc
nhAt
dinh
s€ duoc
ghi
nhfln
khi hohn
tAt di6u
kidn
tuong
f.ng.
I
I
i
cl
o\
tr
t
rn
€
00
o\
rn
r.l
r.)
rn
ra
F-
1A
t
NA
vt oo
c-
co oo
oo
O'\
ooO
co
( l
s
t-
F-
\O
co ca
v(.l
ooc\
rr)@
co
.t
F-
o\
( 1
co
V-)
O
t/.)
( l
s
tr-
QO
aa
ro
F-
(')
ta
co
.l
€
co
00
=?
t
ta
lal
rn
€
6t
t-
(\
F-
00
o\
o\
r-
o\
rn
.a
a
ra)
.<f
co
a
@
t/-)
a.l
t/')
O'\
t-
c.l
c.)
t t
nrn
\C.l
\o
oo
It-
O
c.)
co
\n
rr)\o
o,
F-
c't v1
oo
tr-
\o ta)
c.l
c\ v)
>v
<):
;'-i=:=\
10=*o-='ji.
i= 54-
='gAc =,S
;;
s':9E
€'
i
-
o.=<o()e o!\oE'
-E-:z,-= =;jI'v-c,<.o
.=.=.=.: i.S'F's<o.
Y,-::=3-o
EE E€:aE :.;E
=.s€
E'
;;;=;=.=.
-:=
3,7,=
s
S
q
E
(')
c o_
.
,8,F
:=
oo
F-
r.)
F-
r-
c.l
(t)
ra)
00
oo
0a
(r)
€
r-
Fr
€
€
=f
F-
o c r
co
c.r
a A'
O\
( l
V)
aO cO
lr)
cll.
oo-
-
a- o.l
oo
O
\o
-+
vl \O
O.\
f
c-r
C.]
O
=f
=c')co3s,
@O
caooOf-
C\ t
t
\O
Ir)tr-O\\O
t'-
rr)
Ln
O\ O\
Ln
@
@
O'\
O t
oocoo
a.t
c.
+ o.
ciav]
=
O!j-6t+
t
\O
\O
oO \O
cA
F-
\O
co
O,
ra)$oo\o
f-:
Ca
\r^r
t
\c)
oo
ci \o
oo
o'.+Fjcrcoi
9a
v)
co
o\
c\l@F-Ooo
co
a
N
)ci
's
>'
'e
\
\R
€
r\
O€
ll
r*]
R
\-r
o
n
H
9
>:
O r:'
\
.:
*t
v
'.s
n
\
(c€.
bdng
ngoai
t€
16.
Tiiln
gri'i
t4i
NgAn
hhng
Nhi nu6c
Ti€n
gui
thanh
ro6n
rai
Ng0n
hdng
Nhh
nu6c
1
I
len
gul
phong
toa
(neu
c5)
Ti€n gui
khdc
17.
VND
^J
-
bang
ngoal
te.
vang
321,349,567,630
201,670,991,695
30/06t20rr
VND
0I/0r/20rr
VND
218,130,447,742
703,219,I25,999
r29,659,609,695
72,0I2,272,000
30/06/2011
VND
0I/01/201r
VND
t83.640.285.702
505.232.494.164
183,640,295,702
505,232,494,164
30/06/2011
VND
0r/01/2011
VND
5,972,771,962,939
Chinh
phu
-
Chrmg kho6n
No
do c6c
TCTD
kh6c
trong
nuoc phrdt
hdnh
-
Chfng
khodn
No
do
cdc TCKT
trons
nu6c phdt
hhnh
Chtrng
khodn
Viin
-
Chimg
khodn
V6n
do
c6c TCTD
khdc
niOm y6t
-
Chua
niOm ydt
Chilmg
khodn
Vdn
-
E5
ni6m ytit
-
Chua
ni€m yOt
Chftng
khodn
kinh
doanh
khdc:
-
Dd
ni6m
y6t
-
Chua
ni€m
y6t
33,953,195,577
99,511,970,109
33.953.t95.577
99,511.870.109
9,511,970,109
90,000,000,000
33,953,195,577
99,511,970,109
-NN.SI{B
NgAn hing
TMCP
Sii Gdn
-
He
NQi
L9.
C6c c6ng cq
tii chinh
ph6i
sinh vh
c6c tii sin tii
chinh kh6c
T6ng
giti
tri cua
ho'p
d6ng
(theo
ty
gid
ngdy
hiQu ltrc
'
J;
t(
Giao dich
kj'han
ti6n
t€
431,353,5i4,030
Giao
dich hodn
cl6i kj'han
431,353,574,030
Tai ngiy
01
thdng
0l nim 2011
Cdng cry TC
phdi
sinh
tiin t€
Giao
dich kj,
han
ti€n t€
138,56
1,862,265
Giao dich
hodn
d6i kj,han
49,902,85U,800
188,46+721,065
20.
kh6ch
hdng
r I
J
i ,:
Lno
vay
Dang von
tal
tro. uy
thac
dau
tlr
Cho vay
dOi vOi
c6c
t6 chfc,
c6 nhdn
nu6c
ngobi
Cho vay
khiic
No
cho
vay
duoc
khoanh
vh
ng
cho xir
20,914,017,410
9,687,046,606
24,375,599,493,562
26,893,339,950,930
10
S,NSrIB
NgAn hing TMCP
Sii Gdn
-
Hn
NQi
20.1 PhAn tich
ch6t lugng nq cho vay
Nq du ti6u chuAn
\
,.,
l\0 can cnu
y
Nq
duoi ti€u chuAn
No nghi ngo
-
A.
^
l\o co
Kna nang
mat
von
20.2.Phin
tich
phAn
Nhd
nudc
Cdng
ty c6
phAn
khdc
C6ng
ty hqp danh
Doanh
nghi€p
tu nhdn
Doanh
nghi€p
c6 v6n
dAu tu nudc
ngoii
Kinh t6
tflp th6
Cho vay cd
nhdn
Cho
vay
khdc
25,712,329,439,375
783,740,429,670
110,969,979,664
33,559,352,950
242,742,750,271
30/06/2011
kh6ch
hhng
vdr lo4i
hinh
doanh
nghiQp
16,013,554,753,965
6,884,131,599,531
3,985,653,598.434
30/06t2011
VND
Va
0u0r/201r
VND
18,643,608,690,505
513.816.485,604
107,381
,681,146
2,340.599,052,214
5.430,149,035,442
2,963,341
,944,969
6,045,364,625,581
| 16.666,669
431,241.843.159
1 1 1
,846,936,325
39.678.413,089
8,239,731,260,325
0
0.40
8.71
20.?0
11.02
22.49
0.00
1.60
2.65
0.1s
30.65
0.00
24,375,599,493,562
100.00
lt
26,883,339,950,930
r00.00
*NN.STTB
NgAn
hing
TMCP
Sii Gdn
-
Hn
NQi
20.4.Phdn
tich du nq
cho vay theo nginh
30t06t20r1
VND
0l/01/2011
dinh
Khi{ch
san vi
nhi hdng
Vdn
tdi, kho
bdi
th6ng tin li6n
lac
Ho4t d6ng
tii chinh
Hoat
d6ng khoa
hoc
v) cdng ngh6
Ciic hoat
ddng li6n quan
kinh
doanh
tii sdn va
dich
vu tu v6n
Quan
l!
nhi
nu6'c
vi
an ninh qu6c
phbng
(Dang,
d6ng
dich
vu
tai h6 gia
dinh
Hoat
d6ng
cric
t6 chtic
vd
doirn
ttrti
quOc
te
Ngdnh
kh6c
2,208,215,869,958
257,900,83
r
,528
2,323,120,01s,51
|
4,198.150.737
.621
1.163,240,208.871
2,834,04s,642,s98
4,410,610,313,091
956,382,250,250
2,439.312,031,535
612,514,414,819
1s,600,000,316
r
75,000,003,543
45,700,000,925
42,500,000,861
5.855,000,I
18,553
r20,400,002,438
9,393,000,190
s42,950,010,994
8.21
0.96
8.64
15.62
4.33
10.54
16.41
3.56
9.07
2.28
0.58
1.90
0.06
t.12
0.20
0.t]
12.58
0.45
0.05
3.28
Sr{B
NgAn
hing TMCP
Sii Gbn
-
Hn
NQi
21. Dq
phdng
rrii ro
tin dgng
Ki
ndv
Sii au tIAu k)
Dg
phdng
riri
ro
trfch ldp trong
kj,/
(Hodn
nhAp
dg phdng
trong
kj,)
Dg
phbng
giam
do xu lli
c6c khoin
trong
kj,)
Du phdng
giam
do xu lf
ciic
khodn
no kh6
thu
r.l
.rJ
i ,
hor
bdng
nguon
du
phdng
Sii au
cu6i t<y
22.Chftngkho6n
tliu
tu
22.1.
Chirng kho6n
ttAu
tu sin
shng
OO
n6n
Ch*ng
hhnh
Chrmg
khodn
V6n
do
crfc
TCKT
rrons
nu6c
phr{t
hbnh
Dry
phitng
gidm
gid
chftng
khodn
sfin sdng
tt€
bdn
185,860,694,662
100,614,977,337
Du
phdng
chung
VND
Du phdng
cU thd
VND
164,823,526,714
7,467,942,245,109
l3
8,191,179,665,995
N^
SI{B
NgAn hing TMCP
Sii Gdn
-
Hn
NQi
22.2.
Chftng kho6n
tl6u tu
giir
den ngiy
tl6o hgn
Chfng kho6n
Chfnh
phu
Chfng
khodn No
do
ci{c TCTD
khdc trong
nu6c
ph6t
hdnh
Du
phdng
giam
c6ng
ry liOn
doanh
Cdc kho6n
dAu
tu
vao
c6ng
ty li€n
ket
Cdc khoin
dAu
tu dhi
han
kh6c
Du phdng
giam
giri
diu
ru ddi
han
-
Danh
mgc
c6c khoin
dAu
tu,
g6p
viin
nhu
t.
Va so'
bla
goc
nrru
C6ng
ty
CP D6u
tu vd
PT
Cao
Su Ngh6
An
C0ng
ty
CP
quan
11;
qu!
ttAu
tu
SAi cdn -
Hi N6i
c6ng
ty cP
CK
Sii
Gbn
-
Ha
CP Thuy
san
Gentraco
Cty
CP
EAu tu
Tii
chinh
Nam
Vi€t
COng
ty CP BDS
An Thinh
COng
ty CP
DAu
tu BDS
Genrraco
Cdc
t6
chr?c kinh
t6
kh6c
600,000.000
5,200.000,000
82,180,000,000
27,9-59,000,000
1,000,000,000
30.000,000,000
I I,000.000.000
I
1.00
9.90
9,000,000,000
g.g0
1.25
1,500,000,000
L25
10.00
8,000,000,000
10.00
-5.00
2,500,000,000
5.00
9.88
139,000,000,000
9.50
322,999,000.000
333,399,000,000
ll
$l'-r
F
co
ro
cl
(t)
(t)
fr)
Fr
t-
f.Nc{-O\-
Q:tvcFooo
!-r
QO
oO
0O
O\
cO
'.] ??,VOO
t.!
€.9
N
rOt.r-
!-rOOr
€ N r
\o
N
o]
c
r,o
ra)
€ tO
c.)
ulqo"
F.
O\ O\
F-
\O
\O
grnv)
3\F{.
.!\r-:
o-
-_
999
rr
.\'N
00 ?Q ,
o\ *-
OOF.r-r-r\
\i
vi
,ri
N
tr)
co
aa;
N
i
\+
00rqc.,,l
€faci
0o
[n
\n
\o
ri
ca
.+€\o
Q
g
.s
;:
'? .>.
FS
F
g
!
gIf
;
.,.y
.>6S
:!
,,lH:i,
Hli,
eF.3i.
Fi€
"i;E
IE
gi
l
ii
ii::f E
FS
i;
i
{t E€E$
?€ E
!,:
\AO\ci\o|.nF-
f. O\ r c.l O oo
$Fr[n\ONN
|,not (\tttr)
\oto*ttr)
f-ftcoN
*d
vi
,ri
F-NN
CQOOoarrl
f- O\ .i
t.l*1{
o\od
tONnl
qdld
F-
\O
\ri
O\Nai
."1
€6
w
.=.
i
t5']!
\O
I
a
3
5
-: 1
*;
\
N
$fip
=
\.
q"d"i
)
f
Stf\f
aot-f-r-l
(v)Oo.\
(.l-1<
5
NOOairA
o\Nii
^:
I
o\ra.x
iA
O\
F-
\i ai
?adA,
oo^
ao^
d
ONai
'll
',q,r
>s
l5
,-s ;i'
t2
\<O
r!
'F
\(o
::
()AD
a,:
tCl
F
F
.l
$
N
I
=.
<o.
z
I
'=
(a
Q
rA
i*J4
fi
s
ta
(n
r')
\
\f
tr.,
o.i
t-\
N
RSssfl
ao-ci-io^
StRPl
AUi*idq
HeF=P
a\r<5\
893t^
\o
o/)
fr;
.a
a
\
v^t
="f;x
s
$"
EflgNR
\O$ j.;C.l
E
C OO
ei .i c.f
AES{N
etrlhi
N
o\
o\
Otlenrn
=! i<\d
v^\\ca
€$r-:qitr
43"+ca
Ee€sx
$t')*i
Ffi*es R
"3rOooa
FFa:* R
e-\N'-r9q"o
C
-
.^-
'^-
i+
{€fR*
*
lf,)
N
a.i
*t
ssS
s
s
E
i;SE
q;;
g
F;;s
s
sFs
ss;g;;S
FFsss;E$$
l')f-F-rs€rt
aqa
€q
J8R
F3
ulq,.
$
o^
\O€yi-iO
O\C\.iirf,
1ui.,n
dq
ARS
viro
149-'Lr.9Q1
I-Oai
;O
\{s
*E
9aE RF-
R
?9N €-r
ilEr
;5
5
?e!vr
Nt
\i-
il=\:
N
l<G
K8s
sq'
$
€RS 5g
o.
4\€
:i
t
38F
$3
o.
+.
1i N€
;
3oq
i
$$r
o^q
<q).
o!
\<()
I
a
tr(J
.<q)
\=
<G.
9
r5
\(o
I
a
00
00
)c€
Fr
I
<o.
z
I
(t
rAt3
il,i F
fi
'^n
*i-
r^t
'E
Sii au
ddu k;'
Si5 tlng
trong
kj,
-
Mua
trong
kjt
56
ginm
trong
kj'
Sii au
cuiii
ty
Gi6
tri hao
mdn
lui kG
56 Ou ttiu
kj
Sii
teng
trong
kj'
.',:
-
^nau
hao
56
ginm
trong
kj,
Sii au
cu6i
tiy
Gi6 tri
hao
mdn
lui k6
Si5 au ddu
k)
56 tAng trong
kj,
-
Khtiu
hao
trong
kjt
-
Tdng
khdc
Sii
girim
trong
ki
-
Thanh
l!,
650,274,165,640
650,214.165.640
6,7661076,447
2,040,492,947
2,040,492,847
Phdn
m6m vi
tinh
Tii
sin
cii ainn
vd
hinh
kh6c
C0ng
3,291,957,009
11466,755,970
1,466,755,970
3,000,694,696
495,551,031
49s,551
,031
r,620,5g2
4,759,712,979
3,496,235,
1,379,903,753,695
2,696,353,011
16,999,315,304
1,399,599,422,000
,
J)zoarJLvrvLv,l/v)IJIJIJTUUUTUUU
lr{UOrJOsr4ydr44l
705,395,299,421
674,ggl,ggg,o00
674,991,899,000
322,000,000
151,434,736
r
5I,434,736
4,557,059,194
20,000,000,000
1.431.251.826
_
t,13
t
,25
t,826
_
729)942,347,615
676,423,150,926
676,42.1,1
s0,826
2,355,000,000
4,411,509,565
2,696,709,244
r,714,800,321
433,124
433.1
24
700,000,000
Hn
Ngi
26.Tdi
sin
C6 kh6c
Cdc khodn
l6i, phi phdi
thu
Chi
phf
xdy
drmg
ccr
bdn
do dang
C6c
khodn phAi
thu
(*)
DU phdng
rui
ro cho
c6c
tdi
sdn
C6 khdc
Tdi
sdn
C6 kh6c
Vay
hqn
-
Bing
VND
^l
-
bang vang
va
ngoai
t€
Tiin,
vdng
giti
cd kj,
hgn
-
Bing
VND
^J
-
Bang
vang
vir
ngoai
td
700,000,000,000
903,716,150,912
30/06/20rr
VND
0I/or/20r1
n6i
bQ.
27.
C6c khorin
nq
Chinh
phri
vh
NHNN
30/06/2011
VND
0I/01/20tr
VND
700,000,000,000
700,000.000.000
903,716,150,912
903,7t6.150.812
30/06/2011
VND
ol/01/2011
VND
5,921,172,935,325
5,820,927,729,500
25I,206,925
I1,943,319,319,779
8,504,9J0,719,779
3,339,449,600,000
4,960,133,659,390
4,960,019,977,136
114,792,254
vdng
grhi
khing
kj,
hgn
1
-
I ren gur
khOng
kj,
han
bang VND
-
Ti€n gui
kh6ng
kj'han
bdng virng,
ngoai
t€
m.;
'Ii€n,
vang gtii
c6 kj,
hgn
-
Ti6n gui
c6
kj,han
bdng
VND
127,677,519,913
4,160,699,349,079
3,J50,741,I55,964
409
,957
,193,
1 I
5
21,354,196,409,455
19,609,605,0r0,a47
r,J 45,591,399,409
3,797,913
119,755,949,640
30.
v6n
tii
trcr,
riy
th6c
ddu
tu,
cho
vay
t6
chric
tin
dgng
chiu
rfii
ro
OI/OI/2OII
VND
I
i
t
420,365,900,000
970,:720,594
3^79,506,900,000
891,347,657
421,336,520,594
380,399,24t,657
19
NN
S}IB
NgAn
hing
Thuong
m?i
C6
phAn
Shi Gdn
-
Hn
NOi
31.
C6c khoin
no kh6c
Cdc
khortn
phdi
bAn
ngodi
-
.C6c
khoin phdi
tra
v€
xdy
drmg
co
bdn,
mua
sdm TSCD
-
Thu€
cTGl'
-
Thu6
TNDN
-
Ci{c khoAn
phdi
n6p
Nh}r
nu6c
kh6c
-
Ldrtrd
truoc
-
Du phdng
rii
ro
kJt6c
(Da
phdng
rili
ro
hoctt
d6ng,
kh6ng
bao g1m
dAt
phdng
khdc
d6i
voi
tdi
san
C6 nQi
bdng)
43,799,I29
228,199,900,229
^227,073,339,092
30/06/20r1
VND
0I/0r/20t1
VND
94,010,265,973
604,219,420
Copyright: Tài liệu đại học ©