ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 3 năm 2011 td bảng cân đối kế toán

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12
l3
I4
t5
t7
18
Tang(Giem)
c;ic khodn
no-
Chinh
phu

vir
NHNN
16
Tdng(Gidm)
c;ic
khori,l
tidn
gui.
ti6n
vay
caic TCTD
17
Tang/(Giam)
ti6n
gui
cua khiich
h)ng
(bao
g6m
cd
KBNN)
l
g
Tang/(Giam) phdt
hiinh gi6y
td
c6
gid
(ngoai
trir

giA1,
ro.c6 giii ph6t
,n
hinh
ducrc tinh vio
hoar
d6ng
rdi chinh)
,n
Tang(Giam)
v6n
tii
tro,
uy thiic
dAu
tu,
cho vay
mh TCTD
chiu rui
,O
,n
Tang/rciamrcic
cong
cu
rai chinh ph:ii
sinh
vh
cdc
khoan
no- rci

.,
-
-
chinh khiic
21
Tang/(Gidm)
kh;ic v0
c6ng
no hoat
d6ng
22
22
Chi
tri c6c
qu!
cua TCTD
(x)
23
Luu
chuyOn tidn
thuAn
tthoqt
il6ng
kinh doanh
24
II
LTITJ
CHUYEN TIEN
TiT
HOAT

EONG
EAU TTI
I
Mua
sdm tdi sdn
c6 dinh
2
Ti6n thu
tir thanh
11,, nhu<rng
brin TSCD
25
26
3
Ti0n chi
tD thanh
11,,
nhuong
biin
TSCD
(*)
2j
o
4
Mua
sAm bdt
dong sar
dAu
tu
(*)

2g {r
"5
Ti0n
thu
tir biin,
thanh
ly
bAt
dQng sdn
diu
ru
Zg
6
Ti6n
chi ra
do bdn.
thanh
11;
UAt dOn-e
san dAu tu
(*)
30
7
Ti0n
chi dAu
tu,
g6p
v6n vbo
cdc don vi
khiic

31
8
Ti6n thu
dAu
tu,
-e6p
v6n
vio
cric
don vi
khdc
32
n
Ti0n
thu
c6 tuc vh
loi nhu6n
duoc chia
rir
cdc khodn
cl6u tu,
gop
von
,
d)i han
'rr
Luu
chuy6n
tidn thu6n
tt'hoat

rl6ng
tlAu
tu,
34
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t,
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Mi
chi
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tiOu
minh
Ln1
k{
ti'diu
nim
a6n.cut5i
quy

III
Nhm
2011
tsrm
zOi0.
M
LTU
CHUYEN
TItN
Ti|HOAT
EONG
TAI
CHINH
I
Tang
v6n
didu
l€
+
l
.'
)
|
ren
lnu
(u
phar
hanh gidy
ro c6 gii
dar han

co
du di€u
ki0n
tinh
-
von
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vi
cdc
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r
ar
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909,206,746,627
6,421,536,629,959
0
7,330,7
43,37
5.496
0
0
3
4
5
6
Tidn
chi
thanh
toiin giAy
rd
c6
giri
dii
han

c6 dt
didu
kiOn
tinh
vio
v6n
tu
cd vir
c6c
khod.n
v6n
vay
dii
har
khiic
C6
tuc
tri cho
c6
d6ng,
loi
nhudn
dh chia
(*)
Tidn
chi ra
mua
co
phieu
ngAn qui

ro
r
Ti6n
thu
duoc
do brin
cd phi6u
ngAn qu!
Luu
chuy6n
tidn
thuAn
tir hoat
<I6ng
tii chinh
IV
Luu chuy6n
tidn
thuAn
trong
kj,.
V
Ti0n
vi
c6c
kho:in
tu'ong
alrorrg
tidn
t4i

thdi
tliOm
tl6u
k!
VI
Diiu
chinh
dnh
hu.ting
c0a thar
d6i t1 gi6
VII
Ti6n
vA
cdc
khodn
tu'ong
du'org
tidn
tai
thdi
di0m
cu6i
ki,
LAp
bi0u
K6
torin trudngr
n/ /
JIF^/

37
38
JY
40
4l
42
43
44
45
/t
,'lhU
Nguy\n
Thi
b2n
Ninh
Thi
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20
thring
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l
M
NGAN
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l\liuti
wPJ*f*
Ngin
hhng
TMCP Sii
Gdn
-
Hn NQi
THUYET
MINH
BAO CAO
TAI CHiXn
HgP
NHAT
Quf
III.2011
1. Thdng
tin
vd ngAn
hhng
Gi6y
ph6p
ho4t
tlQng

0041-NH/GP
ngdy
13 th6ng
l1 n6m
1993
Gi6y
phdp hoat ddng
do
Ngan hang
Nhd nuoc
ViQt Nam
c5p
Thoi han
ho4t
ilQng
cria Ngdn
hdng
ld
40 nim kd tir
ngdy c6p
gi6y phdp
dAu
ti6n.
HQi
tl6ng
Quin
tri
Ong
D6
Quang

Hir5n
Ong
Nguy6n
V[n Ld
6ng
Nguy6n
V6n
Hii
6ng
TrAn
Nggc
Linh
Ong
Phan
Huy
Chi
Ong
TrAn
Tho4i
Ong
Ld
Ki6n
Thinh
Ban
ki6m
soit
Bd
Ddm
Nggc
Bich

Truong
ban
6ng
Nguy6n
Hiru
Dri'c
''h6
Trudng
ban
Bd
Nguy6n
Thi H6ng
Uy€n
Thdnh
viOn
Ong
Luong
Dfc Chinh
Thdnh
viOn
Ong
Biri
Thanh
Tdm
Thdnh
vi6n
Ong
Pham
Hda
Binh

Thdnh
vi€n
Ban
T0ng
Girim
tl6c
Chri
tlch
86
nhiQm
ngdy
16
th6ng
6 ndm 2008
Uy
vi6n
86 nhigm
ngay
16
thhng6
ndm 2008
Uy
vi6n
86
nhiQm
ngay
16 th6ng
6 ndm
2008
Uy

vi€n
Bd
nhi€m
ngdy
16 th6ng
6 nim
2008
Uy
vi€n
86 nhi€m
ngdy
16
thring 6
ndm 2008
Uy
vi6n
Bo
nhiQm
ngay
16
th6ng 6
ndm 2008
Thdnh
viOn dOc
lQp
86
nhiQm
ngdy
l0 th6ng
8 ndm

2010
Ong
Nguy6n
Vdn
L€
Ong
DSng
Trung
Dfing
Ong
Bti
Tin
Nghi
Ong
L0
Ding
Khoa
Pham
Vin
Th[ng
Ng6
Thu
Hd
T6ng
Gi6m
d6c
Ph6
T6ng
Gi6m
cl6c

Ph6
TOng
Girim
ddc
Ph6
TOng
Gi6m
ddc
Ph6
Tdng
Gi6m
d6c
Ph6
T6ng
Gi6m
d6c
86 nhiQm
ngdy
16 th6ng6
ndm 2008
)
86
nhiQm
ngdy
20 th6ng
5 ndm
2009
Bd nhiQm
ngdy
16

th6ng
6 ndm 2008
Bd nhiQm
ngdy
16
thrlng 6
ndm 2008
Bd nhiQm
ngdy
16
th6ng 6
ndm 2008
"Bd
nhiQm
ngity
20
th6ng 5 nim
2009
T6i
bO nhiQm
ngdy
08 th6ng 5
nim 2007
BO
nhierir
ngdy
01
th6ng 9
ndm
2006

86
nhiQm
ngdy
05
th6ng
6 nltm2007
BO
nhiQm
ngdy
l0 th6ng
4
nbm
2009
B0
nhiQm
ngdy
01
th6ng
I I nbm
2010
Bd
nhiQrn
ngdy
15 th6ng
3 ndm
201I
Bd
nhi€.m
ngaf27-thdng'7
ntm

2008
Tru sO
chinh
Sa
n
-
TrAn
llimg
Dao
-
Q.Hodn
Ki6m
-
TP.Hd
NQi
- ViQt Nam
ffi
StsT|J
NgAn
hing TMCP
Sii
Gdn
-
Hn
NQi
2.
D{c
tli6m
ho4t
ilQng

cria
td
chric
tin
dgng
Ngdn
hdng
Thuorlg
mai
C6
phAn
Sdi
Gdn
-
Ha
Ngi
(du6i
ddy
gqi
tat
ld
"NgAn hdng") ld
mQt
ngdn
hdng
thuong
m4i
c6
phAn ViQt
Nam

thdnh
lip tpi
nu6c
C6ng
hda
Xd hQi Cht
nghia Vi6t
Nam
v6i
thoi
gian
ho4t
dQng
ld
40 n[m
theo
0041-NFVGP
ngdy
13 th6ng
1l
n[m 1993
cta
Ngdn
hdng
Nhd
nu6c
Vi6t Nam.
Vdn
di6u
l9

cira
Ngdn
hdng
tai ngdy
301612011
ld
4,815,795,470,000
diing
(B6n nghin
t6m
trim
mudi
l[m
V
bilytrdm
chin
lam
triQu
b6n
trdm
bAy mucri
nghin
cl6ng).
HQi
so chinh
cria Ngdn
hdng
dat
tAi SO
ll

-
TrAn
Hrmg
DAo
-
Q.Hodn
Ki6m
-
Ha NOi
-
ViQt Nam.
T4i
ngdy 3019/2011,
NgAn
hdng
c6
2668
nh6n
vi6n
(Cu6i
nim
2010: 2022
nh6ln
vi6n) .
3.
T6m
tft cdc
chinh
srlch
kii

toin
chfr
y6u
ChuAn
mgc
vi ctr6
Oq
k6
torin
rlp
dgng
Ngdn
hdng
trinh
bdy
c:ic
b6o
crio
tdi chinh
bing
d6ng
ViQt
Nam
(VND) theo
LuAt
c6c T6
chiic
Tin
dung,
Lu6t

sfa
rl6i
vd
bO
sung
mQt sd
didu
trong
Lu$t
cric TO
chuc
Tin
dung, cdc
chuAn
mUc
kii
to6n
ViQt
Nam
vd HQ
th6ng
Kii
to6n
c6c
t6 chric
tin
dgng
ViQt Nam.
K!
brlo

ciio
vh tlcrn
vi
ti6n
tQ
Kj,b6o
c6o
ciia
NgAn
hdng
Oat
eau
ft
ngdy
0Il0ll20l1
vd ki5t
thfc
vdo
ngiry
301912011'
Dcyn
vi ti6n
rQ
su
dung
trong
ghi
ch6p
k6 to5n
ld ddng

ViQt
Nam
(\rlr{D).
4.
Ngu-v6n
tnc
ghi nhin
crlc
nghiQp
vg bing
ngo4i
tf vi
quy
tl0i
Theo
h6
th6ng
k6
toiin
cua
Ngdn
hdng,
t6t
cd
cdc
nghiQp
vu
ph6t
sinh
cua

Ngdn
hdng clugc
hach
to6n
theo
nguy6n
tg.T:'thoi
diem
cudi
nem,
tdi sin
vd c6ng
no
c6
ngu6n
g6c
ngo4i
t€ clu-o.c
quy d6i sang
\ND
theo
ry
gid
quy
dinh
vdo
ngdy
lQp
bing
cdn

ddi ke to6n.
Cdc
khoAn
thu
nhdp
vd
chi
phi
b6ng
ngo4i
tQ cira
Ngdn
hdng
clu-o.
c
h4ch
to6n
bing
VNE
theo
ty
ei6
vdo ngdy
phrit
sinh
rh6ng
qua giao
dfch
mua
biin

ngo4i
tQ.
Ch6nh
lQch
rj'gi6
do
d6nh
gi6
lqicitc
tdi khoAn
kinh
doanh
ngopi
tQ rluoc
hach
to6n
vdo
b6o
c6o
Ktit
qua
Hoet
dOng
Kinh
doanh
vd lgi
nhudn Oe
tqi. Ch6nh
lech
ti

gi6 ph6t
sinh
do
quy doi
c6c
tdi sin
vd
cdng
ng
kh6c
bing
ngo4i
t€ sang
VND
dugc xrl
ly
vdo
doanh
st5
crja
c6c
kho6n
mpc
tuong
fng
tr€n bdng
c6n
ooi
t<6 to6n
vdo

ngdy
lQp b6o
c6o
tdi
chinh.
5.
Chring
khoin
tliu
tu
gifr
d6n
ngiy
tt6o
h4n
Chung
kho6n
no
git
d6n
ngdy
d6o
hpn
ld
cdc
chtrng
kho6n
c6 kj'han
cO
dinh

vir c6c kho6n
thanh
to6n
c6
einfr
holc
c6
the
x6c
clinh
dugc
vd
Ban
TOng
Gi6m
d6c
c6
t
dir]ll
vd c6 khA
ndng
gif
cl6n
ngdy
d6o
han.
Ngdn
hdng
dang
ghi

nhdn
c6c
chrmg
kho6n
ndy
theo
gi6
gOc
cQng
l6i
du thu
trit
ldi-ohd
p16-nb6:Gi6triptqtrpi*roae
ehiiirHrSu{ni5u+e)esngdugc
phdndnh v}rogi6
tri
ghr
s6
cua
khoin
dAu
tu.
Ldi
dugc
du
thu
ho6c
phAn
bO

theo
phucmg
ph6p
iluong
thdng.
Chtmg
khoiin
dugc
giir
d€n
khi
d6o
han
sE
duoc
xem
x6t
vd
khi
ndng
gi6m
gi6.
Chring
kho6n
dugc
l?p dg
phdng
gi6m
2
SS STIB

Ngdn hirng TMCP
Sii Gdn
-
Hn NQi
gi6
khi
gi6
tri thi trudng
nho hon
gi6
tri
ghi
sd. Du
phong
gi6m gi5
clugc
ghi
nhdn
vdo
b6o
crio ktit
quA
hoat tf6ng
kinh doanh.
6. Chring khofn
dAu
tu
sin shng AG nen
Chung kho5n dAu tu
s5n sdng Oe Uan ld cric chimg

khoSn duoc
gif
trong thdi
gian
kh6ng
6n
dinh
tru6c,
c6 thO clugc biin
Oe Oap fmg nhu ciu thanh khodn
hoAc
d0 ung
ph6
v6i
trulng
hqp
thay
d6i lei
suAt,
ti
gi6,
hodc
gi6
tri chimg kho6n.
Ng6n hdng
ilang
ghi
nh6n
c6c chung
khoSn

ndy
theo
gi6 g6c
cQng ldi du thu
trri lii chd
phAn
b6. Gi6 trl
phir
trdi ho{c chitit
kh6u
(n6u
c6)
cfing
duoc
phdn
6nh vdo
giri
tri
ghi
s6 cria
khoAn clAu tu. Ldi
dugc du
thu ho{c
phdn
bd
theo
phuong
ph6p
duong thing. C6c chimg
kho6n ndy duoc

dilnh
gi|dinh
kj theo
gi6
tri thi
truong vd
du
phdng
giAm
gi6
tri sE ducrc lQp khi
gi6
tri thi truong nho
hon
girl
tri
ghi
s6. Du
phong
gidm giri
cluo. c
ghi
nh6n
vdo
biio ciio k6t
quA
hoqt
dQng kinh doanh.
7. Chf'ng khorln kinh
doanh

Chwng
kho6n kinh doanh ld chring khoiln ban dAu duo. c mua vd nim
gift
cho
muc tlfch
kinh
doanh trong
ngin han hodc n6u Ban T6ng
Girlm
d6c
quy6t
dinh nhu
v4y. Ngdn hdng
clang
ghi
nhAn
c6c chring kho6n ndy theo
gi6 gdc
vdo
ngdy
giao
dich.
Trong c6c kj,ti6p theo, cric chimg
kho6n
ti6p
tuc dugc
ghi
nh4n theo
gi6 g6c.
Tuy nhi6n,

gi6
tri
thi
trucrng c;iua chc chimg khoiin
v6n
duoc Ng6.n
hdng theo ddi dC d6nh
gi6
vC t<na ndng
giAm gi6
khi
gi6
tri thl truong
th6p hcrn
gi6
g6c.
Ngoai
tru
trucrng hqp kh6ng th6 x6c clinh
gi6
tri thi truong
mQt c6ch chic
chin thi
gi|
tri cta
chring
duoc tinh
dya tr6n nguy6n
gi6
sau khi tru di t6n thAt udc tfnh

(n6u
c6). Lai ho4c 16
tir kinh
doanh
chftng
kho6n dugc
ghi
nh4n tr6n b6o c5o k6t
qua
ho4t dQng
kinh doanh
theo s6 thuAn.
8. C6c khoin cho
vay
Cric kho6n cho
vay
ng6n han c6 kj'h4n
dudi I nim; c6c
khoAn cho vay vd
cho thu6
tdi
chfnh
trung hpn c6 kj,han tu I ndm cl6n
5 ndm
vd
c6c khoin cho
vay vd cho thu€ tei chinh
ddi han
c6 kj,
han tr€n

5
ndm k€
tn'ngdy
gi6i
ngdn.
ViQc
phdn
loai no vd
l3p du
phong
rrii ro tfn
dung duoc thuc
hiQn theo
Quytit
dinh
s6
493120051QD-NHNN
ngiry
22 th6ng 4 ndm 2005 vd
Quy6t
dfnh s6 t 8/2007/QE-NHNN
ngity
25
thdng
4
ndm 2007 cta Th6ng
dtSc Ngdn hdng Nhd nudc
ViQt Nam.
C6c
khoAn

cho vay
cluoc phAn
thdnh
nim nh6m no cin cri vdo tinh hinh tr6 ng vd cric
ytiu
tO dinhtfnh nhu sau:
Nhdm
I; Nq du tiiu
chudn
o
Cdc
kho6n no trong han md Ngdn hdng d6nh
gi6
ld c6 dri khd ndng thu
hOi dAy
dri cd
g5c
vd
l6i
dring thdi
han;


a :Cac*noan-noryahpndudi tr0ngdy
vnNg6nidngd6nh
gi6.Jdc6khidng
rhl hoi
dAy dri
g6c
vd lAi

bi
qu6
hpn
vd
thu hdi dAy dri
gdc
vd ldi dring thoi han
cdn lai;
Nhdm 2. Nq
cdn chily
W
SFIIJ
NgAn hing
TMCP
Sii Gdn
-
Hn NQi
.
Cilc khodn no
quii
han tir l0
ngdy ddn
90
ngdy;
'
o
Cdc khodn ng di6u chinh kj,h4n
tri no l6n
cl6u;
o

Cdc khodn
no
co c6u lai thoi hqn
trd ng trong han theo
thoi
han ducyc
co cAu
lai.
Nhdm
3; Nq droi riAu
chudn
o
Cdc khodn no
quii
hgn ru 9l d6n 180
ngdy;
.
Cdc kho6n ng co c6u lai
thoi hgn trA no lin
cfdu, trt ciic
khoAn
ng di6u
chinh
kj' han
tra
r;, rl
no
ldn ddu
phdn
loai vdo

nhom 2;
o
Ciic
khodn no duoc mi6n
hodc
giam
ldi do
khdch hdng
khdng
dn kha
ndng
trd
lai dAy
dn
,l
theo
hgp dong tfn
dung;
Nhdm 4:
Nq
nghi
ngd
o
Cdc khoin no.
quii
han tir 181
cf6n 360 ngdy;
o
C6c
khoAn ng

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

ng co cAu l4ithoi h4n trA no ldn
dAu
qu6
han tir
90 ngay tro'l6n
theo thcri
h1ntritno. du-o. c co c6u lai lAn dAu;
.
Ciic khodn no co ciru
lai thcri han trd no lan
thu hai
quii
han theo
thoi
han
1ra
no
dugc co c6u lgi lAn thri hai;
t
Cdc khodn
ng
oo cAu lai thoi
han trA ng Dn thu'
ba trd l€n,
k6 cA chua
bi
quri
han
ho4c cld
quii

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

l4i vdo nh6m no c6 rui
ro thAp hon khi
Ngdn hdng
d6nh
giri
ln
c6 dt kha nang
thu frOi
Aiy
dri ci
gdc
vd ldi; vd khiich
hirng c6 tdi li€u,
h6 so chimg minh
c6c nguy€4 nhdn
ldm
khoin
no
ndy
qu6
h4n cluoc xri Iy, khic
phuc.
NgAn hdng chri d0ng t.u
quy6t
einh
ph6n
logi c6c kho6n
no
viro
c6c

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;
.
-
.,.
€deehiJi€u$i+lhinh ++a l<hds$ l1ing*opekl6+rings6
ng
c$e+hd€h-h
r
Kh6ch hdng khdng
cung c6p cho NgAn hdng c6c
thdng tin tdi
chinh kip
thcri,
dAy
dri

vd chinh x5c dd NgAn hdng
d6nh
gi6
kh6 ning trA no- cria khrich
hdng.
A
sffi
s,HF
NgAn
hing
TMCP
Sii Gdn
-
Hn
NQi
Dq
phdng
rfri
ro tin
dgng: ViQc tfnh dy
phong
cU thC ducr. c
cdn cft tr€n
ciic tj,' 16
rip dung
cho
fung
nh6m
ng nhu sau:
Nh6m

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%

100%
10
-
25 nim
03
-
05 nim
06
-
10
nim
9. Tii sin cii elnn
Tdi
sdn cO Ointr
cluoc the hi6n theo nguydn
gi6
trir di kAAu hao lfiy kt5.
Nguy6n
giii
bao
g6m
todn bQ ciic chi
pfri
ma
Ngdn hdng
phAi
b6
ra
di5 c6
cluoc

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

ly vd
phAn
mdm
tin hoc 03 -
08 ndm
.,
Quy€n
su
dpng
ddt iluoc khdu hao theo
phuong phdp
cluong thbng
phir
hgp
vdi
Gidy chung
.
nhdn
quyAn
su dung d6t.
Quy6n
su dgng dat
vO
thdi
han
dugc
ghi
nhdn theo
gi6 g6c
vd

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

gui
thanh to6n
vd tiAn
gui,
cho vay tqi c6c t6 chric tin dung khiic co thoi
h4n cl6o han
kh6ng
quri
3
th6ng k6
tir
ngdy
gui.
11. Cdc
cdng cg
tii chfnh
phdi
sinh
C6c cdng cU tdi
phinh
phrii
sinh ilugc
ghi
nhdn trOn
bdng c6n
eOi tt5 toiin
theo
gi6
tri hqp ddng
:::

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

b6ng
can
d6i
k6 to6n
vd
duoc ktit
chuyen
vdo
k6t
qud
hoat
cl6ng
kinh
doanh vao
thoi
ditim
cu6i nam.
12.
Ghi nhin
thu nh4p/
chi
phi
lni
Ngdn hdng
ghi
nh0n
thu nhdp
tu l6i
vi chi
phf

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

cho
kh6ch hdng.
Thu nhip
tir
phi
c6
thiS
chia
thdnh
ciic
nh6m
sau:
t
Phf thu tb
viQc
cung
cdp dlch
vqr trong
mQt
thdi
gian
nhiit itlnh:
Phi
thu
tir
vi6c
cung
c6p dich vu
trong m6t
thoi

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,

phi quin
ly danh muc vir
ciic chi
phi quAn
ly
cfrng nhu phf
tu
v6n
kh6c.
o
Phi
thu tb
vi1c
cung
ciip dlch vqr
giao
dlch: Phf
phdt
sinh tri vi€c
ddm
phdn
vd
tham
gia
ddm
phin
cdc
giao
dich
cho m6t

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

hi€n
mdt
cdng
viOc
nh6t dinh
sE dugc
ghi
nhAn
khihodn
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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

t4i
Ng0n
hing
Nhi
nu6c
Ti0n gui
thanh
to6n
tai
Ng6n
hdng
Nhd
nu6c

I
I
ren
gut
phong
roa (n€u
co)
Ti6n gti
kh6c
17.
Ti€n,
ving gfri
t4i
cric
td
chric

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

312,041,555,960
201,670,991,695 ,
30/09/201r
VND
r/l/2011
\TND
242,139,975,552
69,902,5g0,309
129,659,609,695
72,012,272,000
9/30/201r
\,TND
t/1/201r
\TND
599,691,354,221
505,232,494,164
599,691,354,221
,
505,232,494,164
.
9130t2011
VND
ult20t1
VI{D
5,972,771,962,939
5,841,605,497,796
131,166,475,153
5,663,969,027,779
5,569,309,027
,779

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

Nq
-
Chrmg
khoan
Chfnh phu
-
Chrmg
khodn
No
do
cric
TCTD
khac
trong
nudc ph6t
hdnh
-
Chrmg
kho6n
No
do
c6c
TCKT
trong
nudc
ph6t
hdnh
Chftng
khotin
V6n

-
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

chftng
khodn
kinh
doanh
Chfing
khodn
N,q
-
Dd
ni6m y6t
-
Chua
ni6m ytit
Chftng
khodn
VOn
-
Dd ni€m ytit
-
Chua
ni0m
y6t
Chrhng
khodn
kinh
doanh
khric:
-
Ei
ni€m

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

kinh
doanh
9t3At201r
VNID
U1t20tl
\n{D
40,419,411,497
4A,4lg,4lf
,4g7
99,511,970,109
9,5 I
l,g70,l
0g
90,000,000,000
40,418,411,497
99,511,970,109
/
wsHs
NgAn hing
TMCP
Sii Gdn
-
He
NQi
19.
Cdc
c6ng
cg tii chfnh phdi
sinh vi
cfc

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)

Gid tri
tdi
sanr
LO4P nO
T4i ngiy
30
thdng
9
nnm
201 I
COng cqt TC
phtii
sinh tiin tQ
Giao dich kl
han
ti€n tg
Giao dich
ho6n tt6i
ky han
T4i ngiy
0l thdng
01 nim 2011
COng cq
TC
phtii
sinh tiin tp
Giao dich k! han tiAn
t9
, t;,, . ,
ulao olcn noan 0ol Ky nan

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

nuoc
Cho vay
chi6t
khAu thucrng
phitiu
vit
citc
giSy
to co
gi6
Cho thu6 tdi
chinh
C6c khoin
trdthay
kh6ch
hdng
Cho vay
bing
vdn tdi
trcr, iy th6c
dAu
tu
Cho vay
eOi vOi
c6c t6
chfc, c6
nhdn nudc
ngoai
Cho vay kh6c
No cho

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

vay
Ng du ti0u chuAn
\
t,,
Ng can cnu
y
Ng du6i ti6u chuAn
Ng nghi ngo
-t
Ng c6 khd ndng mdt v6n
20.2.Phdn tich dunqtheo thdi
gian
No-
ngin han
Ng trung h4n
No ddi
han
26,967,331,756,652
862,149,297,523
98,953,234,994
rgs,992,213,052
232,840,729,255
23,438,102,834,977
596,554,769,933
36,159,2,92,942
39,376,036,390
265,395,559,520
30/09/2011
\TND
I/112011

\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

nghiQp
Nhd nu6c
trung uong
Doanh
nghi€p
Nhd nu6c
dia
phucrng
C6ng
ty
TNHH Nhd nudc
C6ng
ty TNHH tu
nhdn
C6ng ty cd
ph6n
Nhd nudc
i ,L,,
uong
ry
c0
pnan
Knac
C6ng ty hqp danh
Doanh nghiQp tu nhAn
Doanh nghiQp c6 v6n dAu
tu nu6c ngoiri

, .r
^

., 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

800,504,995,460
3.28
20.52 4,572,949,481,058
18.76
7.48 1,603,339,586,917
6.58
24.96
5,531,298,442,466
22.69
0.02 600,000,000
0.00
2.07 235,047,938,823
0.96
1.20
4t8,702,346,512
1.72
0.12 56,t10.364,876
0.23
27.25 10,642,626,327,030 43.66
0.59 12,450,073,978
0.05
28,267,266,631,476
,
100.00 24,375,588,493,562
,
100.00
l1
WS.*TH
Ngdn
hing

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

ctr6
Oii5n.
ch6
t4o
Sdn
xu6t
vd phdn
ph6i
dien,
khf
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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

433,124
433,
I 24
705,063,299,421
3,857,059,194
19,667,000,000
727,597,347,615
ta
MWSITB
Ngin
hing
TMCP
Siri
Gdn
-
Hn
NOi
Danh
mgc
Quy6n
sfr dgng
d6t
:
QSD
DAT
S0 31
LTK NR:18,2M2
DAT
CHUNG:310,5M2
(NHA

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

DIC.I,AMITHUA:170/1F
(NHA
O.DUNG
B.THANH)
QSD DAT
358 LTK
DTR:10,7M2
DTC:346,6M2
THUA.17|I|1F
(NHA
O.DUC
B.LAN)
QSD DAT
358 LTK
DTR:15M2
(NHA
0.KHANH)
QSD
DAT
S0
35LTK
DT
SAN:53,8M2
DT DAT
CHUNG:395M2 (NHA
O.OUYEN)
QSD
DAT
LO
M1 NGUYEN

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

QSD
10
VoNG
DUC
(H0
NHA
NGUYEN
TH
QSD
S0 10
VoNG
DUC(Ho NHA
oNG THA
QSD
NHA
31 LY
THUoNG
KIET(BA
K|EN
QSD
175-177
NHA
TMNG KHANH
HOA
DAT 35B
LY THUONG
K|ET(HONHA
ONG
QSD
SO

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

KIET
HA
QSD
DAT
SO
31 LY THUONG
KIET
QSD
DAT
77 TMN
HUNG
DAO
QSD
DAT
SO 33 LTK,
6,8 VONG
DUC
QSD
DAT
TAI
CN
CAN THO
-
138
.
D.3-2,
TP.CAN
THO
QSD
DAT

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

70,500
43,837,170,500
65 {75 {ii nnn
vJ\J
r
JrJJJrwww
56,579.267,000
100,900,535,500
I 53,201,930.000
63,253,416,640
101,872,527,000
245,332,905,000
239,81
5,31 7,000
30,449,760,000
22,523,967,000
43,705,069.000
18,037,226,100
107,220,759,000
7.483,603,600
129,139,454,546
1 8,473,400,000
37,51
8,035,000
7,297,639,546
126,528,711,590
1 2,88
1,597,000
78,3
I 9,970,000

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

43,705,069.000
18,037,226,100
107,220,759,000
7,493,603,600
129.138,454.546
1
8,473,400,000
37,51
9,036,000
7,415.565,264
126,529,711,590
12,881,597,000
78,319,970.000
49,001,464,795
650,000,000
300,000,000
637,912,000
409,090,000
253,900,000
4,376,17
4,000
4,376,990,4A0
5,211,535,40A
18
6fi
SI{B
NgAn
hing
Thuong
m4i

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

Thi
sAn
Cd khric
Vay NIINN
r.i riA .,. ,.,(.,,i -:
vay
cnlet
Knau. tal
cnlet Kiau
glay
to co
Vay
khric
Vay
BQ Tdi
chfnh
Cric khodn
n,q
kltric
28. Ti6n,
virng
giri
cic
td chric
tin dgng
khdc
1,930,884,379,690
903,716,150,912
30/09t201r
'\rND

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

Chinh
phfl
vir NHNN
30/09/20r1
\TND
l/I/2011
VND
I,930,884,3
79,690
1,930,994,3
79,690
903,716,150,912
903,716,1
50,912
30/09/20rr
\,fND
t/U20ll
t\rND
Tiin, vdng gfti
khhng
kj, hgn
- Bing V}rlD
^J
-
Bdng vdng
vd ngoqi tQ
Tiin, vdng
grVi
cd
kj,

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

Sii
Gdn -
Hir N6i
29. Ti6n grh
cria
khfch
hdng
Thuytit
minh
theo
to4i
tidn
g&i:
TiCn,
vdng gthi
khdng
kj
hgn
1
-
Ti€n gui
kh6ng
kj,han
bAng VND
- TiAn grii
kh6ng
kj'han
bing
vhng.
ngoai

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

qu!
3,526,529,790,937
2,790,569,609,343
745,959,191,494
28,957,992,399,605
27,059,694,669,445
1,899,197,731,160
6,957,661
126,491,139,354
4,160,699,349,079
3,7
50,741,755,964
409,957,193,1
l5
21,3
54,196,409,45
5
19,609,605
,070,047
1,745,591,399,409
3,797,913
119,755,949,640
30/09/2011
VND
t/t/2011
VNID
30. V6n
$i trq,
riy thric
tlf,u

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,

cho
vay
bdng
vdng,
ngoai
t9
32,610,9991197,457.
25,633,644,494,097
-
lnt20t1
'TND
43I,641,920,000
gl4,069,ggg
379,506,900,000
99r,341,657
432,555,999,999,
380,399,241,657
-
20