ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính riêng lẻ quý 3 năm 2012 td bảng cân đối kế toán

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

1 Cho vay khach hang
2 Dv phong rai ro cho vay khach hang
52786 ,
Ch'ing khoin diu ttr
fixing khoan dau tu sari sang de ban
frng khoan dau tu gift den ngay dao han
phong giarn gia chirng khoan dau tu
6p von, diu ttr dai ban
Diu
tu vao Ong ty con
2 V& Op lien doanh
3 Dar' tu vao ding ty lien ket
4 1)&1 tu dai han kirk
5 Dv phong giam gia dau tu dai han
IX Tai san co dinh
1 Tai san c6 dinh him hinh
a
Nguyen gia TSCD haw hinh
b
Hao mon TSCD huu hinh
2 Tai san c6 dinh thud tai chinh
a
Nguyen gib TSCD
b
Hao mon TSCD
3 Tai san c6 dinh vo hinh
a
Nguyen gia TSCD v6 hinh
b
Hao mon TSCD vo hinh

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

140
18
121,604,500,000
141
122,303,000,000
149
(698,500,000)
150
19
2,434,936,718
4,035,834,699
160
45,278,251,048,940
28,803,694,090,215
161
20
47,110,791,966,228
29,158,660,639,905
169
21
(1,832,540,917,288)
(354,966,549,690)
170
22
13,362,389,921,384
14,847,394,499,737
171
7,761,063,771,482
12,251,240,153,537
172

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

251,181,883,743
223
(267,963,902,051)
(84,252,246,320)
224
225
226
227
25
3,217,078,138,215
2,087,201,484,321
228
3,283,247,527,445
2,106,146,460,886
229
(66,169,389,230)
(18,944,976,565)
240
241
241
250
26
12,181,923,522,335
5,631,871,313,534
251
3,062,096,903,445
1,818,898,109,192
252
3,981,823,446,813
1,670,395,598,054

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
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TRA VA VON CHU SG HITU
I Cac khoin nq Chinh phu va NHNN
II Tien giri va vay can cac TCTD khac
1 Ti'en giri cua cac
TCTD khac
2 Vay cac TCTD khac
III Tien gin cua khich hang
IV Cac cling cu tai chinh phli sinh va cac khoan nq tai chinh khic
V Vim tai trq,
usr
thic dau fir, cho vay ma TCTD phai chin rui ro
VI nit Minh glay ttr c6 gia
VII Clic khoin Nq khac
1
Cdc khoart tai, phi phdi tra
2 Thue TNDN hoan lai phai tra
3 Cdc khodri phdi tra ya cong nu khdc
4 Du phong rai ro khac
TOng Nq phai tra

VIII VOn va cac quy
1
Von cua TCTD
a
Van dia'u
b
Von dau tuXDCB
c Thing du van ca phan
d Co
phi& guy
Co
e

phiau mu dal
Von khac
1
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Q3.15
7

TCTD
':‘
1
bienh loch ty gia hOi dodi
ethenh Fech danh gia lai tai son
I
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ich ciia co dong thieu
T • (I PHAI TRA VA VON CHU'

SO Hilt
CAC CHI TIED
NGOAI BANG
I
Nghia vu nq tiem
an
1 Bao lanh vay von
2 Cam ktt trong nghielo va L/C
3 Bao lanh khdc
MA chi Thuyet
tieu

minh
SO
cool ky
SO din nim
310
27
800,000,000,000
2,184,953,736,805
320
21,081,403,202,665
15,909,083,396,910
321
28
20,801,403,202,665
15,909,083,396,910
322
280,000,000,000
330

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

500
32
8,309,922,348,749
5,804,693,009,338
410
8,959,990,898,400
4,908,535,898,400
411
8,865,795,470,000
4,815,795,470,000
412
413
99,455,000,000
98,000,000,000
414
(5,259,571,600)
(5,259,571,600)
415
416
420
477,405,147,506
267,331,866,568
430
440
(23,893,346,212)
450
(1,103,580,350,945)
628,825,244,370
700
800

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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Solid parineof. flexible solutions
NGAN HANG TMCP SAI GON - HA NQI
77 Trail Hung Dao - Quan Hoan Kiem - Ha NOi
Tel: 04.39423388

Fax: 04.39410942
Bao
cgo tai chfnh rieng
Quy III lam 2012
MAu
so:
Q-03a
TD - BAO CAO LUYJ CHUYEN TIEN TE - PPTT - QUI?
DVT VND
I LIJU CHUYEN TIEN Tff HOAT DQNG KINH DOANH
1 Thu nhap lai va cac khoan thu nhap tucmg tv nhan ducyc

01
10,796,007,471,800
3,787,715,911,138
2 Chi phi lai va de chi phi Wong tv da tra

02
(10,661,509,888,040)
(4,211,052,099,219)
3 Thu nhap tir hoat Ong djch vu nhan duqc

03
92,734,482,455
37,680,246,233

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)

(215,206,613,456)
Lim chuyen tien thuAn tir boat dung kinh doanh try& nining
09

thay dOi ve tai san
va
von hru dOng
(1,438,689,879,431)
(1,298,715,536,676)
Nhting thay diii
4
tai san hoot dOng
9 (Tang)/Giam cac khoan tien, yang giri va cho vay cac TCTD khac

10
(17,332,056,881,197)
(91,260,000,000)
10 (Tang)/Giam cac khoan ve kinh doanh chimg khoan

11
(4,926,703,884,759)
(3,361,988,696,010)
(Tan
a
g)/Giam cac cong cu tai chinh phai sinh va cac tai san tai chinh
11


12
khc

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

30,810,122,383,778
6,980,091,234,508
Tang/(Giam) phat hanh giay t6 c6 gia (ngoai tru giay tel. c6 gia phat
19

18
hanh duqc tinh vao hoat dQng tai chinh)
(6,936,315,092,578)
1,181,740,488,542
Tang/(Giam) von tai trq,
uS
,
tilde dau tu, cho vay ma TCTD chju rai
19

20
126,161,910,323
52,157,748,342
TO
Tang/(Giam) cac ding cu tai chinh phdi sinh va cac khoan no tai
21

20
chinh khac
(2,899,590,560.00)
21 Tang/(Giam) khac ve cong no hoat Ong

22
2,160,370,657,037
(68,512,634,168)

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 (*)


28
5 Tien thu tir ban, thanhbi bat dOng san dau tu

29
6 Tien chi ra do ban, thanh
1ST
bat Ong san dau tu (*)

30
-
7 Tien chi dau tu, Op vim vao cac don vi khac

31
(392,968,595,375)
-16,900,000,000
8 Tien thu Au tu, Op vim vao cac dam vi khac

32
-
Tien
h

33

thu c0 tac va lqi nhuan duqc chia tit cac khoan dau tu, gap von
9
dai an
4,223,833,345
31,497,698,200

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

c
u ngan quST

40
Ltru chuyen tan thuAn tic hoot Ong tai chinh

41
V Tan Ira cac khoan tircrng dirang tan tai thei dam dAu ky

43
VI Dieu chinh inh Wen ciia thay dAi tY" gia

44
VII Tan va cac khoan twang throng tan tai theti dam cuAi ky

45

5,577,250,095,383

17,148,932,076,169
Lap Wen

Ke town truinIt
t
Z
ngay 20 thcing 10 neim 2012
Ong
Giam doe

4,051,455,000,000


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

Vwo'ng Thanh Huyb

Ninh Thj Lan Phirang
I


guyen Van Le
2
THUYET MINH BAO CAO
TAI CHINH RIENG LE
Cho Qui5 III nam 2012
SHB
Ngan hang TMCP Sai Gen — HA NOi
THUYET MINH BAO CAO TAI CHINH RIENG
LE
QuS
,
III dam 2012
1. Thong tin lit ngfin hang
Giay phep hoat do, ng
HOi ang Quan tri
Ong DO Quang Hie
A
n
Ong Nguygn Van Le
Ong TrAn Ngoc Linh

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


B6 nhiem ngay 05 thang 05 nam 2012
Ong Pham H6a Binh
Ong Nguy'L Hfru Dire
BA. Hoang Thi Minh
Ong Bui Thanh Tam
Ban TOng Giam
doc
Ong Nguyen Van Le
Ong aang Trung [Xing
Ong Bai Tin Nghi
Ong Le Wang Khoa
Pham Van Thang
NO Thu Ha
Ninh Thi Lan Phuang
Bai Thi Mai
Tru sa chinh
Thanh vien
Thanh vien
Thanh vien
Thanh vien
T6ng Giam d6c
Ph6 T6ng Giam d6c
Ph6 T6ng Giam doe
Pho TOng Giam dOc
PhO T6ng Giam d6c
PhO TOng Giam d6c
Pho Tong Giam doc
kiem Ke toan Twang
PhO rOng Giam d6c

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.

Tom tit cac chinh sach ke toil) chi
yeu
Chuin muc va the do ke toil) ip dung
Ngan hang trinh bay cac bao cao tai chinh bang &gig Viet Nam (VND) theo Lust cac TO
chirc Tin dung, Lug sira doi va bei sung mot so dieu trong Lust cac TO chirc Tin dung, cac chuan
muc ke toan Viet Nam va He thOng Ke toan cac
-
CO chirc tin dung Viet Nam.
KY bin can va elan vi ti'en
to
Ky bao cao cua Ngan hang bat du tir ngay 01/07/2012 va ket thiic vao ngay 30/09/2012.
Dan vi tien te sir dung trong ghi chep ke toan la dong Viet Nam (VND).
4.
Nguyen tic ghi nh4n cac nghiep vu bang ngoai
to va
quy dei
Theo he thOng ke toan cua Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang dugc
hach toan theo nguyen te. Tai thai diem cu6i nam, tai san va cong ng c6 ngu6n g6c ngoai to dirge
quy dOi sang VND theo ty gia quy dinh vao ngay lap bang can d6i ke toan. Cac khoan thu nhap va
chi phi bang ngoai to cua Ngan hang dirge hach toan bang VND theo ty gia vao ngay phat sinh
th6ng qua giao dich mua ban ngoai te. Chenh lech ty gia do danh gia lai cac tai khoan kinh doanh
ngoai te dugc hach toan vao bao cao Kk qua Hog dOng Kinh doanh va lgi nhuan de 14i. Chenh
lech ty gia phat sinh do quy d6i cac tai san va cong ng khac bang ngoai te sang VND dirge xir ly
vao doanh so dia cac khoan muc tuang irng tren bang can diSi ke toan vao ngay lap bao cao tai
chinh.
5.
Chtimg khoan dau tir gitir den ngay di° han
Chirng khoan ng giu den ngay dao han la cac chirng khoan c6 ky han co dinh va cac khoan
thanh toan co dinh hoac c6 th6 xac dinh dugc va Ban TOng Giam dOc coy dinh va c6 kha nang gifr
den ngay dao han. Ngan hang dang ghi nhan cac chirng khoan nay theo gia g6c cong lai du thu trir

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.

Cic khoan cho
vay
Cac khoan cho vay ngan han c6 ky han duai 1 nam; cac khoan cho vay va cho thue tai chinh
trung han c6 ky han tin
1
nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han c6 ky
han tren 5 Min Ice tir ngay giai ngan.
Viec phan loaf ng va lap du phOng rui ro tin dung doge thuc hien theo Quyet dinh s6
493/2005/QD-NHNN ngdy 22 thang 4 nam 2005 va Quyet dinh s6
18/2007/QD-NHNN
ngay 25
thang 4 nam 2007 cila Th6ng dOc Ngan hang NM. nude Viet Nam. Cac khoan cho vay doge phan
thanh nam nhom ng can cir vac) tinh hinh tra no va cac yeti t6 dinh tinh nhu sau:
NhOm 1: Na c u tieu chudn
•• Cac khoan ng trong han ma Ngan hang danh gia la co du khA nang thu 116i day dti ca
g6c va lai dung thed hp;
•• Cac khoan ng qua han dtrai 10 ngay va Ngan hang danh gia IA c6 khA nang thu h6i
day dir gOc va lai bi qua han va thu h6i day du g6c va lai dung tiled hp con 14i;
Nh6m 2: No
.
can chit
••Cac khoan ng qua han tin
10
ngay den 90 ngay;
• Cac khoan ng dieu chinh ky han tra ng Van au;
SHB
Ngan hang TMCP Sai Gan — Ha Ni
••Cac khoan no co cAu lai thai han tra no trong han theo thai han &roc co cAu
NhOnz 3: Na clueri tieu chujn
••Cac khoan no qua han tir 91 den 180 ngay;

••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

qua han &roc xu ly, khac phuc. Ngan hang chil dOng to quyet dinh phan loaf cac khoan nq vao cac
nh6m no rui ro cao han twang irng voi mire dO run ro khi xay ra mot trong cac truang hop sau day:
•• Khi CO nhang din Wen bAt lqi tir tac dOng tieu cuc den mai twang kinh doanh va
linh vue kinh doanh;
•• Cac chi tieu tai chinh cua khach hang hoac kha nang tra nq cua khach hang bi suy giam;
Khach hang kh6ng cung cap cho Ngan hang cac thong tin tai chinh kip thai, dAy du
va chinh xac de Ngan hang danh gia kha nang tra nq dm khach hang.
SITB
Ngan hang TMCP Sai Gen — Ha Ni
Dv phong riii ro tin dung:
Viec tinh dir phong cu the dugc can cir tren cac ty le Op dung cho
tirng nhom no nhu sau:
Nhom

Loyi

TS7I? dv phong cu the
1

Na dii tieu chuan

0%
2

Ng can chii y

5%
3

Na duai tieu chuan


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


03 - 08 nam
Quyen sir dung dat dugc khau hao theo phuong phap duang thang phii hop vai Giay chirng
nhan guy& sir dung dat. Quyen sir dung dat vo thai hart dugc ghi nhan theo gia g6c va kh6ng tinh
khau hao.
10.
Tien
va
cac khoan twang throng tien
Tien va cac khoan twang duong tien bao g6m tien mat, yang, cid quy, tien giri thanh toan tai
NHNN, tin phieu Chinh phu va cac giay 0 co gia ngan han du dieu kien chit khau voi NHNN, cac
khoan tien giri thanh toan va tien giri, cho vay tai cac t6 chirc tin dung khac co thai han dao han
khong qua 3 thang ke tir ngay giri.
11.
Cac cong cu tai chinh phai sinh
Cac cong cu tai chinh phai sinh dugc ghi nhan tren bang can d6i ke toan theo gia tri hop d6ng
vao ngay giao dich, va sau dO dugc danh gia 14i theo gia tri hop 1Y. Lai nhuan hoac 18 khi cac cong
Cu tai chinh phai sinh dugc th‘rc hien dugc ghi nhan trong bao cao ket qua hoat &Ong kinh doanh.
Lai nhuan hoac to chua thrc hien dugc ghi nhan vao khoan muc chenh Lech danh gia 14i cac cong
SHB
Ngfin hang TMCP Sai Gen — HA Niii
cu tai chinh phai sinh tren bang can d6i ke toan va dugc ket chuyen vao ket qua hoat dOng kinh
doanh vao thai diem cu6i nam.
12.
Ghi nh4n thu nh4p/ chi phi
lai
Ngan hang ghi nhan thu nhap tir lai va chi phi lai tren bao cao ket qua hog Ong kinh doanh
teen co
.
se( du thu, du chi.
13.

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.
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ai

SHB
Ngan hang TMCP Sai Gen — HA Ni
15. Ti& mat, yang bac, di qu57
30/09/2012
VND
31/12/2011
VND
Tian mat bang VND
423,722,087,712
293,734,281,400
Tian mat bang ngoai to
227,952,648,680
131,369,301,883
Kim loci qtrjf, cla q4 khac
5,140,317,750
656,815,054,142
425,103,583,283
16.
Titn girl tai Ngfin hang Nha nuo'c
30/09/2012
31/12/2011
VND
VND
Tian girl thanh toan tai Ngan hang Nha nuot
1,666,848,123,213

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

- Bang ngoai ta, yang
1,557,934,400,000
1,370,482,400,000
25,826,658,382,558
18,608,137,989,519
SHB
Ngfin hang TMCP Sal Gen - Ha NOi
18. Cluing khoan kinh doanh

30/09/2012

31/12/2011

VND

VND
122,303,000,000
122,303,000,000
Chung khodn
-
Chirng khoan Chinh phu
-
Chirng khoan Ng do cac TCTD khac trong
nuot phat hanh
-
Chirng khoan Ng do cac TCKT trong nuac
phat hanh
Ching khotin
Von
-

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

Giao dich hoan ctdi ky han
608,082,766,410
(732,403,717)
Ti
4 ngay 31 thing 12 nam 2011
Cong cy TC piled sinh tMn to
398,483,360,912
4,035,834,699
Giao dich 1cS7 han tin to
343,538,671,112
4,649,608,299
Giao dich hoan doi kS7 han
54,944,689,800
(613,773,600)
.SHB
Ngfin hang TMCP Sai Gan — HA
Noi
20. Cho vay khach hang
30/09/2012
VND
31/12/2011
VND
Cho vay cac t6 chirc kinh te, ca nhan trong
nuarc
46,277,668,792,481
28,920,227,441,804
Cho vay chit khdu throng phiau va cac giay
t6
.
c6 gia

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

Ng an chi' ji
7,069,362,494,832
1,093,637,444,907
No dtroi tier chua'n
2,350,671,006,018
218,922,396,906
Ng nghi nger
2,206,518,017,594
154,147,495,684
Ng co kha rang mat von
1,669,843,069,960
278,343,046,891
47,110,791,966,228
29,158,660,639,905
20.2. Phan tich du no
.
theo thoi gian
30/09/2012
31/12/2011
VND
VND
Na ngan han
26,959,528,793,290
18,511,039,358,086
Ng trung han
9,531,530,266,863
6,394,821,023,356
Ng dai han
10,619,732,906,075
4,252,800,258,463

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

Cong ty TNHH Nha nuac
2,422,622
5.14
1,063,033
4.78
Cong ty TNHH hr nhan
10,589,309
22.48
6,280,638
21.04
C6ng ty c6 phdn Nha nu&
2,480,301
5.26
2,138,144
7.68
C6ng ty c6 phan khdc
16,238,605
34.47
8,575,624
29.08
COng ty hop danh
1,142
0.00
1,319
0.01
Doanh nghiep to nhan
768,783
1.63
531,685
2.67

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

30/09/2012
trieu
VND
%
31/12/2011
trie
u VND
Nong nghiep va lam nghiep va thily san
Khai khoang
Cong nghiep cht bitn, the tao
San xuAt va phan phi dien, khi dOt, ntrOc
nong, hai nuOt va ditu Ma khong khi
Cung cap mac; hoat &Ong quan Iy va xir
lji the thai, nu& thai
Xay dung
Ban buon va ban le; sira chfla 6 to, mo to,
xe may va xe có dOng co khac
Van tai kho bai
Dich vu km tril va an uOng
Thong tin va truyen thong
Hoat dOng tai chinh, ngan hang va bao
hitm
Hog &Ong kinh doanh bAt dOng san
Hog (Ring chuyen mon, khoa hoc va cong
nghe
Hog dOng hanh chinh va dich vu h8 to'
Hog dOng dm Dang COng san, to chirc
chinh tri -
xd
hoi. auan iNi nha ntre'rc. an

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

7,669
13.29
6.52
20.88
2.81
0.05
9.26
17.58
8.88
2.66
0.20
0.74
3.67
0.04
0.12
0.01
0.09
0.15
0.04
12.50
0.51
0.02
3,478,762
2,676,492
5,068,777
486,452
6,195
3,301,472
5,742,949
1,553,418

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
12.30
9.53
18.07
1.64
0.02
9.24
21.03
4.82
3.75
0.10
1.40
4.45
0.07
0.10
0.01
0.04
0.14

0.04
12.77
0.44
0.07
Tong du no'
47,110,792
100.00


29,158,661


100.00
7,713,039,867,903
4,795,610,848,456
375,987,577,267
2,541,441,442,180
48,023,903,579
11,688,790,000
36,335,113,579
(111,945,544,649)
12,230,528,533,537
950,000,000,000
8,430,105,806,501
2,850,422,727,036
20,711,620,000
11,688,790,000
9,022,830,000
(14,685,653,800)
r

r
r
r
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

1,493,981,797,251
Ky trtrac
164,823,526,714
35,180,904,284
107,732,171,165
47,968,947,527
739,000,000
So
du• d'au kjr
Du phong rui ro trich lap trong

(Hoan nhap
du phong trong kS)
Du phong giam do xir ly cac khoan ng kho thu
h6i bang ngutin du phong
S6
du• cuoi kjr
200,004,430,998
154,962,118,692
22.
Chirng khoin

tit'
22.1. Chting khoan din fir san sang d6 ban
30/09/2012
VND
31/12/2011
VND
Chirng khoan
Na

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

nu& phat hanh
- Ching khoan Ng mac ngoai
Dix phong giam gia chang khoan d'Au to gift d6n
r

ngay dao han
1,798,945,565,435
2,842,420,000,000
1,075,786,188,932
(3,880,059,816)
1,000,000,000,000
1,610,840,000,000
5,713,271,694,551
2,610,840,000,000
23. GO
von, dau
tu. dai han
30/09/2012
.

VND
31/12/2011
VND
D'au
to vao cong ty con
167,710,070,000
20,000,000,000
Cac khoan d'Au to vao cong ty lien doanh
77,000,000,000
Cac khoan dau to vao cong ty lien ket

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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SHB
,„.„,„.,
Ngfin hang TMCP Sal Gan — Ha NOi
25. Tai san co dinh vo hinh

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Tang, giam tai san et) dinh vo hinh ky nay:
Khoan mac

Quyen sir dung at


PhAn mem vi tinh
Tai san c6 dinh
vo hinh khac
Don vi tinh: VND
COng
Nguyen gia
SO
du. dfiu ky
2,030,651,354,061
53,512,026,515
21,983,080,310
2,106,146,460,886
S6 tang trong ky
1,097,863,192,500
r

108,581,597,059
1,206,444,789,559
- Mua trong 10)
1,097,863,192,500
108,581,597,059
1,206,444,789,559
- Tang khac
SO giam trong ky
29,343,723,000
29,343,723,000
- Thanh 1
.
)% nhtrong
ban

- 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
,

-
Thanh ly, nhuirng
ban
-
Giam khric
S6 dir cuoi ky
749,461,010
48,042,416,306
17,377,511,914
66,169,389,230
Gia tri con lai
Tai ngay dfiu ky
2,030,020,251,735
39,447,903,883
17,733,328,703
2,087,201,484,321
Tai
ngay
cuoi ky
3,127,765,085,551
84,707,484,268
4,605,568,396
3,217,078,138,215
SHB
Ngfin hang TMCP Sai Gen — Ha NLi


Tang, giam tai san
Ithofin mac
co dinh vo hinh ky truck :

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Quyen sir clang

PhAn mem vi
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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

ky
2,030,651,354,061
53,512,026,515
21,983,080,310
2,106,146,460,886
Gia tri hao men luy ke
St; dir dAu
ky
473,434,736
3,291,957,009
3,000,684,696
6,766,076,441
SO tang trong
ky
157,667,590
10,772,165,623
1,249,066,911
12,178,900,124
-
Khciu hao trong ky
157, 667, 590
10,772, 165, 623
1, 249,066, 911
12,178,900,124
SO giam trong ky
SO du cuOi
ky
631,102,326
14,064,122,632
4,249,751,607

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

18,037,226,100
18,037,226,100
Tinh Kien Giang
5,211,535,400
5,211,535,400
Tinh Lam Wong
7,483,603,600
7,483,603,600
Tinh Binh Plurac
6,514,087,000
Tinh Binh Duang
22,375,204,000
3,128,514,546,561
2,030,651,354,061