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77 -
'l'ran
I Iung
{)ao
-
e.iloi)n
i(idrn
-
r'p.Hd
N6i -
Viet
Nam
2.
Dic
ttiOm
ho4t
dQng
cria
tii
chri.c
tin
dgng
Ngdn
hdng'l'hr"Long
mai
c6 ph6n

Sdi
Gdn
-
[{d
Ndi
(ciLr'6.i
day goi
tft
ld
.,Ng6n
hdng")
id
mdr
ngdn
hdng
thu'ong
rnai
c6 phan
vi6t
Nam
thdnh
l6p
rai
nutic
c6ng
hda
X5
h6i
chu
ngtrla

Vi6t
Narn
:SHB
NgAn
hing'I'MCP Shi Gdn
-
IIn NQi
voi thd'i
gian
hoat ddng
ldr 40 ndm theo 0041-NII/GP
ngi\v
l3 thdng ll ndm 1993
cua
NgAn hdng
Nhd nu6'c Vi0t Nam.
Von didu
le
cua
NgAn hdng
tai ngal' 3lll2l20l1 ld 4,815,795,470p00 d6ng
(Bdn
nghin tiim trdm mudi
lam ty bay trdm chin
larn triiLr bon
trarn bay rnuo'i nghin dong).
H6i so chinh cira
NgAn hdng d4t
tpi 36 77
-

'l'rAn
I Iung l)ao
-
Q.l
Iodn Ki6m
-
Hd Ngi
-
Vi€t Narn.
Tai ngdy3lll2l20ll,NgAnhdngc62574nhAnvien1f)iundrn20ll:
1889nhdnvi6n).
3.
T6m tit
cric chinh
sich k6 to{n chii
v6u
Chufrn mgc vir ch6 dd k6 toin rip dgng
Ngdn hdng trinh bdy ciic biio c6o tiri chinh bang clong Vi6t Nam
(VND)
theo
l,uAt c6c
'l'6
chfrc
'l'fn
dung, LuAt srjra d6i vd b6 sung m6t s6 didu trong LuAt cdc
'l'o
chi'c Tin dung.
cac chudn
muc k6 toiin Vi€t Nam vd FIQ th6ng K6 torin c6c t6 chiLc 1in dung Vi6t Narn.
Kj b6o c:io vh

do'n vi ti6n tQ
Kj,b6o cdo cua NgAn
hdng bit clAu tiL ngdy 01ll0l20l
1 vd k6t tliric
vdo ngdy 3111212011.
Don vi ti6n tO sfi'dung
trong
ghi
chdp k6 todn
la dong Vi6t Nam
(VND).
4. Nguy0n tic
ghi
nhfn c:ic nghigp vg bing
ngo4i tQ vir
quy
d6i
Theo h0
th6ng kd to6n crla NgAn hdng, tdt ca ciic n_ehi€p vu
phiit
sinh cia Ngdn
hdng cluo-c
hach toiin thco
nguy6n te.
l'ai
thoi di6rn cudi nArn, tdLi san vd c6ng no'c6
ngu6n
gdc
ngoai tC duo-c
quy

d6i sang VND
theo ty
gi6 quy
dinh vdo ngdy l6p bdng
cAn UOi te todn.
Cdc khoAn
thu nhAp vd
chi
phi
bing ngoai tC c[ra NgAn hdng
du'o-c hach toiin biurg
VND thco
ty
gia
vdo
ngdy
ph6t
sinh
th6ng
qua giao
dich mua b6n ngoai t6. Clh6nh lfch t1''
giri
do dfnh
gid
lai
c6c tdi khoan
kinh doanh
ngoai tC
duo-c
hach

todn
vAo
b6o cdo Kdt
qua
Float d6ng Kinh
doanh vd loi nliuAn
ae tai"
Chdnh
lQch tj'giri
phrit
sinh do
quy
d6i c6c tdi san vd c6ng no- kh6c bang
rrgoai te
sang
VND
cluoc xu ly
vdo doanh s6 cfra
c6c
khoAn muc
tuo'ng rrng tren bang eAn AOi fe
todn viro ngdy
ldp brio
c6o tdi
chinh.
5. Chring khof
n ttiu tu
giir
d6n ngiy
clio h4n

ChrlLng
khoiin no.'
giiL
d6n ngdy diio han ld
ciic chiLng khoan
co
k!.han
cO
dinh vd ciic khoan
thanh totin c6 Ointr hodc c6 th6 xric dinh duo-c
r,'a Barr
'l'ong
Gidrn'd6c c6
y
dinh vd c6 khA nang
giri'
cl6n
ngdy
d6o
han. Ngdn hdng dang
ghi nhdn ciic chiLng khoiin nA1 thc-o
giri g5c
cong ldi du thu trir'
ldi chd'phdn
b6.
Gi6
tri
phu
tr6i hodc chi6t khAu
(n6u

c6) cirng du'o-c
phdn
6nh
vdo
gid
tri
ghi
so cua
khoAn clAu tu. Ldi cluo-c du'thu
hodc
phdn
bo
theo
phrLong phdp
duong thdng.
Chung kho6n drLo'c
gitl'dtin
khi d6o han sd drLoc xem xet ve khi ndng
gidrnr
gia.
ChiLng kho6n
duo-c lAp du
phdng gidm
giri
khi
gi6
tri thi trud'ng rrho
hon
gi6
tri

ghi
so.
Du phr\ng giarn gia
duo-c
ghi
nh6n
vdo bdo
cdo
ket
qu6
hoat d6ng kinh
doanh.
'
sFl
ll
Ngin hhng
I'MCP Siri
Gdn
-
IIn NQi
6.
Chri'ng khodn
ttiu tu
sin sing
Ati nen
Chf'ng
khorin dAu
tLr sin
sdng O6
ban lir c6c

chirng
khoiin
dLro-c
giil
trong
thd'i
gian khong dn
dinh
tru6'c.
c6 thii duo-c
b6n Ati
Oap [r'ng
nhu
cAr-r thanh
khodn
hoac dc
(r'ng
pho
voi trudng
ho-p thay
d6i
lai suAt, ti
giii,
hoic
giri
tri chfing
kho6n.
NgAn
hdng dang
ghi

nhAn ciic chu'ng
kho6n ndy theo
gi6
gdc
cdng
ldi du
thu trir' l6i
cho
phdn bo. Cia
tri
phu
troi
hodc chi6t khdLu
(n€u
c6)
cfrng duo-c
phdn
6nh vdo
giri
tri
ghi
so cua khoan
dAu tu.
L5i dr-Loc drL
thr,r hobc
phAn
bd theo
phuo'ng
phrip
du'dng

thang. C6c chf'ng
kho6n ndy duo-c
d6nh
gid
dinh
ki thco
giii
tri thi trud'ng
vd
du
phdng giArn
gi6
tri se duo'c lgp khi
gi6
tri thi trr,rong
nho hon
gid
tri
ghi
so. Du
phdrrg gi6m
gi6
duo-c
ghi
nhdn
vdo
b6o c6o k5t
qui
hoat d6ng kinh doanh.
7. Chrlng

kho6n kinh doanh
Chfrng khoiin
kinh doanh
ld chirng
khoan
ban dau
rlttoc nrua
va
ndln
giir
cho muc dfch kinh
doanh trong
ng6n
han hodc
n6u Ban
1'6ng Gi6rn
ddc
quyet
clinh rrhu
vdy. NgAn hdng <lang
ghi
rrhAn
c6c chirng
khoiin
ndy theo
gia goc vao ngay
giao
dich"
'l'rong
cdc

kj, ti6p theo, ciic
chLi'ng khoan tiep
tuc duo'c
ghi
nhAn theo
gia
g,oc.
Tuy
nhieln,
gi6
tri
thi tnLo'ng
cua
ciic
chrlng khoiin v6n
du'o-c Ng6n
hdng theo d6i dC
ddnh
gi6
vA t<na
ndng
gi6m gi6
khi
giri
tri thi trud'ng th6p
ho'n
gi6
gdc.
Ngoai trir
rrudng

ho-p
khong thc xdc dirrh
gia
tri rhi
tru'ong
rnot cdclr chdc chan
thi
giri
tri cua chung dtro-c tinh
du'a tr6n
ngr,ry6n
gi6
sau
khi trir di ton
th6t u6'c
tfnh
(neLr
c6). I-di
hodc 16
til
kinh
doanh chirng
khodn drroc
ghi
nhdn tren bao
cdo ket
qua hoat dong
kinlr,.loanh thco so thuAn.
8. Cic
khorin

cho
vav
Ciic khoan cho
vay ngdn
han c6 kj,
han du6'i I ndrrr:
c6c khoan cho vay vir cho thu6 tdi chinh
trung
han c<i k! han tir
1 ndn-r d6n 5 ndrn vir ciic
khodn cho vay
vA cho thud
tdi
chfnh
ddi
han
c6
k!
han tr6n 5 ndrn kd tir
ngdy
giii
ngdn.
Vi6c
phdn
loai
no- vd l6p'du'
phdng
nji ro tin clr,rng durrc
thrtc hien
thco

Quy6t
dinh s6
4g3l2005lQI)-NHNN ngity 22 thring
4 ndrn 2005 vd
Qir1,6t
dinh sd l8l2007IQD-NHNN ngay'25
thdng 4
ndtn
2007 cua
Thong rl6c Ngdn hdng Nhd
nrLcic
Vidt
Narn.
Ciic khodn cho vay duo-c phAn
thdnh
ndrn nh6m no- cdn cit vdo tinh
hinh
trA
no
vd
cdc
ircu
1o dinh tinh nhu sau:
Nhdm 1. Nq di
tieu chuan
,
'
o
Ciic khoan
no- trong

han md
NgAn hdng
ddnh
giri ld
c6
clu kha ndng thu hdi
ddy du ca
gdc
vd
l5i rlirng thd'i
han;
.
Ciic
khoan no-
quii
han du6'i
l0 ngdy
vd Ngdn hAng dAnh
giri
la co kha nang thu
hoi
dA1,du
g6c
vd l6i bi
quri
han vd thu
hdi dAy dn
g6c
vd l6i ching tho'i han con lai;
Nhdm 2. N()'cdn chti

y
o
(l6c
khoAn
no-
qu6
han tt I 0 ngdy
den
90 ngar :
o
(l6c
khoan n<r did:u
chinh k! han
tra no- lAn dALr:
SFITT
Ngdn hirng'I'MCP
Sii
Gdn
-
IIn
NQi
o
(l6c
khoAn
no- co cau
lai tho'i
han
trir no tr()ng
han thco thoi
han duo-c co cdu

lai.
Nhim
-l.
Ac' dtnri tiiu
t'huon
.
C6c khoAn
no clua
han tiL
9l din
180 ngay:
r
(-l6c
khoin
no
co'c6u
lai thoi
han trd
no- lAn dALr.
lrit cdc
khoan no- didu chinh
kj' han
trA
no- lAn dAu
phdn loaivdo
nh6m
2;
.
Ciic
khoin

no- duo-c
rniSn ho{c
giirn
ldi do khAch
hdng
kh6ng dli kha
ndng tra lai diy
dn
thco hop
cl6ng tin
dung;
IVhdm
4: Nq'nghi
ngd
.
Cdc
khoan
no-
qu6
han tit
181 den
360
rrgal
;
.
Cac kl,oirn
no- co c6u
lai tho'i
han
trA ncr

lAn dAu
qu6
han du6'i
90 ngdy theo
thoi han
1ra no- duo-c
co cAu
lai lAn
ddu;
.
Cac
khoAn
nr t co
cau
lai
thoi han
tra
tttr lart th(L
hai:
Nhim
5.'
,Nrr t'o
khtr
trnng ntut
win
o
Ciic
khoin
no'qu6
hpn

tr€n 360
ngdy;
.
C6c
khoirn
no- co'c6u
lai thoi
han trA
no
lAn dALr
qu6 lian tir'90
ngdy tro' l€n
theo thd'i
han tr6
no'duo-c co'c6u
lai
l6n clAu;
.
C6c
khoan
no- co' c6u
lai thoi
han
tra no
lin thrir hai
qu6 han theo thd'i
han trd no'
cluo'c co
c6u
lai l6n thil

hai:
.
Cdc
khoAn
r.ro- co c6u
lai thd'i
han tra
no- lAn thfi
ba tro l6n, k6 cd chrLa
bl
qu6
harr
hodc
d5
qu6
hgn:
o
Oirc khoAn
no-
khoanh.
no- chd'
xu' l;i,:
Theo
euy6t
dinh
s6 +SZ|ZOO5IQD-NI{NN
ngd1,
22 rhing
4 ndm 2005 vd
Qu1e1

clinh so
l8l2007IQD-NHNN
ngdy 25 th6ng
4 nbm
2007. ddi
vtii
c6c khoan
no-
qud
han. to chfrc tfn dung
phAn loai lai viro
nh6m no co
riri ro thap
ho'n khi NgAn
hAng d6nh
gi6
ld c6 d0
khe ndng thu hdi diy
clu ca
g6c
vd l6i; vd
khrich
hdng c6 tdi
liOu. hii so'chimg
rninh c6c nguydn nhdn
ldrn khodn no- ndy
qu6
han
duoc xiL ly,
khic

phuc.
Ngdn
hdng chu
dong tu
quyct
dinh
phdn
loai cric
khodn no- vho c6c
nh6m
no- rui
ro
cao
ho'n
tuong
ilng v6'i
mf'c d6
rii ro khi
xay ra.rn6t
trong c6c truilng
ho.
p
sau ddy:
.
Khi
c6
nhirng di6n
bi€n
bAt
lo.'i til

t6c ddng
tieu cu'c
din
moi tru'ottg
kinh doanh
vd
lTnh
vuc kinh
doanh:
r
Cl6c
chi ti€u
tdi chinh
cua
khdch
hhng
hoSc I'hii
nang trh
no- cua kh6ch
hang bl suy
gidm;
.
Kh6ch
hdng
kh6rrg cung
cAp cho
NgAn
hdrrg cdc
thdng tin tdi chfnh
kip thoi. ddy

dLr
vA chfnh
x6c dd
NgAn hdng d6nh
gi6
khdr
ndng tra no'cua
kh6ch hdng.
Du
phdng
rrii
ro tfn dgng:
ViQc
tinh du
phong
cu
llrel cltxrc cdn
cri trdn c6c ty
l€ 6p dung cho
timg
nh6rn
no nhu'sau:
1
SHTI
Ngdn hing'I'MCP
Sii Gdn
-
Hn NQi
Nh6m
I

2
3
4
5
Tii sin
cii Ainn
LoSi
,;
l\o clu treu chLlan
No- cAn
chti
y
No- du6'i ti6r-r
chudn
No- nghi ngd'
-:;
l\o-
co
Kna
nang lnat von
-
Nhd
cua, vdt ki6n tnirc
,
.,.;.,
-
lvlay Inoc.
tntet ol
-
Phuong

ti6n vdn tai
-
Dung
cu
quan
l;f vd
phAn
rndm
tin hoc
Tf
lQ dg
phdng
cs th6
0%
5o/o
20o/o
50%
t00%
9.
l'di
srin
c6 Oinn dtro-c
thi
hi6n
theo nguyOn
gi6
tril
cli kh6u hao
liry
k6. Nguydn gi6

bao
g6rn
todn bd
c6c chi
phi
md Ngdn
hdng
phni
bo
ra
dd c6 drro-c tai
sAn c6
dinh tinh
d6n thoi
cliem
dua tai
sdn
d6 viro trang
thrii sin sdng sir dung.
Tdi sdn c6 dinh
drLo-c tfnh
kh6u hao
theo
phrLong
phiip
.r
-
r: .
';.
duong thdng

de tru' ddn nguydn
gid
tdi sdn trong su6t thoi
gian
hfr'u dr-rng
u6'c tinh nhu
sau:
l0 -
25 nanr
03
-
05 ndrn
06
-
l0
ndm
03
-
08 ndrn
Quydn
sil
dung cl6t
drro-c kh6u hao
theo
phuong
phAp
duong
thing phu
ho-p
v6'i Gi6y

chgng
).
nhAn
quycn
stL
dung dAt.
QLryCn
sri'dung
ct6t vd
tho'i han clLroc glri
rrhan
theo
giri goc
vd kh6ng
tinh
khAu
hao.
10.
Ti6n vh
cic khodn
luong cluo'ng
tidn
Tidn
vri cdc khodn fuong
du'ong tidn bao
g6m
tiin rrdt.
vdng,
da
quy,

tidn
gri'i
thanh toiin
tai
NHNN.
tfn
phi6u
Chinh
phi
vd
cric
gi6y
td'c6
gi6
ngin
han dLr
cli6u kien
chi6t kh6u
vo'i
NHNN.
c6c
,
.).
khoan
ticn
gLti
tlranh to6n vd ti€n
gili,
cho vay tai
ciic t6 chiLc tfn

dung khSc
c6
tho'i han
diio han
khdng qud
-j
thiing
kO tiL rrgdy
gu'i.
11.
Cic
cdng
cg tdri chinh
phrii
sinh
C6c cdng
cu tdi chinh
ph6i
sinh duo'c
ghi
nhdn trdn biing
cdrr COi nA todn theo giri
tri hoo dting
vdo ngdy
giao
dich. vd sau cl6 duo-c cl6nh
gi6
lai theo
giri
tri he'p ly.

Lo-i nhudn hoac
16 khi c6c
cdng
cu tdi
clifnh
ph6i
sinh duoc thuc hi€n dtro'c
ghi
nhdn
lrons b6o cao liet qua
hoat
d6ng kinh
doanh.
Lo-i nhuAn
hodc l6
chtLa thu'c lri€n
ducrc
ghi
nhAn
vdo khoAn
muc
chenh l€ch
d6nh
girl
lai
c6c c6ng
cu tdi chfnh
phrii
sinh tr6n bAng
cAn d6i k6

torin
vi
clutrc kdt
chuyen
vdo
k6t
quA
hoat
d6ng kinh
doanh vao
rhoi
dicm cuoi rrdln.
SHTI
NgAn hhng TMCP
Shi Gdn
-
IIe NQi
12.
Ghi nhAn
thu nhdp/
chi
phf
lfli
Ngdn hdng
ghi
nhAn
thu nhdp til ldi
vd chi
phf
ldi clrLoc ghi

nliAn
trdn bdo
ciio ket
qua
hoat
ddng
kinh doanh
trdn co so'dr"r thu.
drL chi.
13.
Ghi nh$n
thu nhf
p
lir
phf
vi hoa h6ng
dich vg
NgAn hdng
thu
phf
til' ciio
dich vu
cung cap cho klrach
hang.
'fhu
nhAp
tir
phi
c6
thd chia

thdnh
c6c
nh6m sau:
o
Phf
thu ti'viQc
cung cifp
cllch vU trong
mQt thd'i
54ian
nhiit
tllnh:
Phi
thu tir.vi6c
cung
cdp dich
vr-r trong
m6t thdi
gian
nhdt
dinh dut.rc
du thu
trong
su6t
thoi
gian
d6.
phi
ndy
bao

g6m
phf quan
11y1, phf
nh6n
ty thiic,
hoa horrg
ra ciic phi
li€n
quan
ddn
c6p
tfn dung,
qLran
ly
tdi
s6n,
phi
quin
Iy danh muc
vd ciic
chi
phf
quan
ly
cfrng nhu
phi
tu
v6n
khric.
o

Phf thu
ti'viQc cung
ciip ttlch v7l
giao
tllch: Phi
ph6t
sinh
til vi6c
ddm
phrin
vd
tham
gia
ddm ph6n
c6c
giao
dich cho m6t
bdn thil ba,
r,'i du nliu'ddn
x6p
vi€c mua
cd
phAn
hoac
ciic
loai chri'ng
khorin khiic
hodc mua lai
doanh nghiCp
,

dr-Loc
ghi
nhdn khi
hodn
t6t
giao
dich
li€n
quan.
Phf hoac rn6t ph6n
cua khoan
phi
ndy
c6 li6n quan
ddn vidc
thr"rc
hi6n rnot
cdng
vi6c
nh6t dinh
sd duo-c
ghi
nhan
khi hodrn
tAt .liiu
kiCn ru.ong
u.ng.
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Shi
Gdn
-
IIn
NOi
15. Ti6n mit, virng b4c, d{
quy
l'i6n nrdt
bdng VNI)
:
,.,:'l'iirr
rrrdt
bang ngoai te
16. Ti6n
gri'i
t4i Ngffn hing
Nhi nudc

'l-iOn
gu'i
thanh toiin tai Ngdn hdng Nhd
nuric
a
:
-l
i0n
gui phong
toa
(ncu
co)
Ti6n
gn'i
kh6c
17. Tidn, ving gii'i
t4i c{c
t6 chric tfn dgng khdc
Tiin,
viing
grt'i
khAng
kj,
hgn
-
Ilang
VNI)
:
-
ltang

ngoal
te. vang
Tiin, vting gri'i
cti kj, hqn
-
BAng
VND
hl
-
rrang
ngoar lc. vang
425,103.s83.283
201,359,461,905
31il2t2011
VNI)
31t12t2010
VNT)
293.734.281.,100
t31,369.30t.8tt3
129.346.189.805
12,0t2.272.000
3l
l12l20t
I
VNI)
31112120t0
VND
r.1.712.661 l5B
505.232.494.164
J4,712,661.358

505,232,494,164
31t12t2011
VNI)
31112120t0
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3,158,245,174,699
3 .07 1
.464.87 6.998
'86.780.297.691
15,449,892,814,930
11.07I
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5,972,692,782,04l
5,84t.526.306,888
131
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66.47
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5,663,969,027,779
5.569.309,027.7',78
94.660.000,000
18,6011,137.989,519
11,636,661,809,919
SHII
Ngdn hirng TMCP

Shi Gdn
-
II)r NQi
18. Chf'ne khorin kinh
doanh
31ll2t20t I
VNI)
Chrt'ng
khodn
Ngt
-
Chrlng
kho6n Chinh
phir
-
Chf'ng
khorin No'
do c6c
-|CTD
kh6c
trong nu'6'c ph6t
hdnh
-
ChLi'ng
khoiin No do
ciic
'l'CK'f
trons
nu'<ic ph6t
hdnh

Chri'ng khocin
Vin
-
Chirng kho6n V6n
do cric
TCI'D
khric
trong nu6c
ph6t
hdnh
-
Chflng kho6n V6n
do ciic
TCKT
trona
nucic
ph6t
hdnh
Chrittg khodn kinh
doanh kltic
Dqr
phbng giiim gid
chftng khodn
kinh
dounlt
Thuyi5t
minh
vd tinh tr4ng
ni6m
ytit

cua cric chrlng
khofn
kinh
doanh
3U12120ll
VNI)
Atrt'ng kltoin
Ngr
;.
-
ua
nrern
yet
i
-
LntIa
nteln
yet
Chtutg khorin
Vdn
^.
-
ua
nrern
yct
-
ChrLa ni6m
y6t
Chrt'ng khoin kinh dounh klttic:
^.

-
Da nrern
yet
-
Chua
ni6m
y6t
31il2t2010
VNI)
31t12t2010
VND
SHIt
Ngin hdrng'I'MCP
Shi Gdn
-
IId
Ndi
19.
Cic c6ng
cg tii
chfnh
phfi
sinh vi c:ic
tii sin 1ii chinh
khric
'['6ng
gid
tri
cua
hqp

d1ng
(theo
ty
gid
ngdt, hi|tr
ltrc
, !;
ltnp
Llong.)
T4i ngiy
3l thrlng l2
nim 201|
COng cu TC phrii
sitth tiin
ft
Giao dich
kj han
tien t0
343.538.671.1l2
Giao dich
ho6n
d6i kj han
54.944.689.800
398,493,360,912
1'4i ngiy
01 thring
0l nim 201I
CAng c4 TC phrii
sinh
tiin ft

Giao clich kj,han
ti€n t0
138.561.862.265
Giao dich ho6n
d6i kj' han
49.902.858.800
188,461,721,065
20.
Cho vay
kh6ch
hing
Cho
vay
c6c
nu6'c
t6 chri'c kinh
'[6ng
girl
n.i ghi
s6
k€
iocin
(rheo
ty' gici
tai ngdy
ldp bdo
c'ao1
liri sun
Gid tri
tai .yun

I un< no
(conq
no) t'on?
268.lJ70.2ti5.(r94 (264.220.677.395)
4.619.608.2{)9
54.440.22(r.400
(55.054.000.000)
(613.773.6001
323,3 |
0,5 | 2,09,1
(319,27
4,677
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4,035,834.699
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)
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3.550"640
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(55.0t6.000.000)
(5.1t3.141.200)
192,020,29t1,595 (
t 9.1,91

9,889,155) (2,899,590,560)
31t12t2011
VNI)
3t l12t'2010
VNI)
Cho vay
chi€t
kh6u
thu'o'ng
phi6u
vd c6c
,i
gra)
to
co
gla
Cho
thui
tai
chinh
Ciic
khodn
trA thay kh6ch
hdng
Cho vay
bdng v6n
tai
tro-, riy
th6c
dAu

tu
Cho
vay
eOi
vOi cric
t6
chf'c,
c6 nhdn
nu'6.c
ngodi
Cho
vay
khiic
No
cho
vay duo-c khoanh
vd no- chd'xri'ly
t6'
cii nhAn
trong
28.966.546"697.8r0
22.168.473.454
.2.270,922.1l4
10.71
8.810.674
203.274.991,859
24.270.102.929.486
450,000,000
20,g14,017.47;
9,687.046.606

29,201,979,995,911
24,301,153,993,562
SHTI
Ngdn hing
'I'MCP
Shi
Gdn
-
Iln
NQi
20.1.
Phin tich chflt
luqng no.'cho
vay
No dLr ti6u
chuAn
:!,,
l\o- calr cnu
y
No clu6iti6u
chuAn
No- nghi
ngd'
-ii
N0-
c0 Kna llang
Inat
von
20.2.
Phdn

tich du
nq theo
thdi
gian
No rrg6n
han
No- trung
han
No ddi
han
Clto t'u.t'cric
TCKT
Doanh
nghi0p Nhir
nu6c trung uorg
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20,000,000,000
1,406,365,498,441
650,274,165,640
47,523,71(t,495
1,983,080,310
699,780,962,445
650.27.1.165.610
17,523,:16,,195
1.983,080,310
699,180.962.415
21,983,080,310
2,106,146,460,886
3,291,957,009
3,000,684,696
6,766,016,441
10,772,165,623
1,249,066,911
12,178,900,124

t0,772,t65,623
1,219,066,911
12,178,900,121
2.696,353,011
16,999,315,304
1,399,599,422,000
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705,385,289,42
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1,431,251,826
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151,434,736
151.131,736
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433,124
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4,41I,509,565
2,696,709,211
t,7 t1,800,321
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13 3,1
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705,063,289,421
3,857,058,194
18,667,000,000
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DAT

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cAN
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DAT
SO
31 LTK NR:18,2M2
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QSD
DAT
31
LTK DTR:32,8M2
DTC:310,5M2
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QSD
DAT
35A
LTK DTR:32,8M2 DrC:49,2M2
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DAT 33A LTK DT:37AM2

(NHA
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B.THOA)
QSD
DAT
35A
LTK DTR:34,9M2
(NHA
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QSD
DAT
338
LTK DTR:26M2
DTC:7,4M2
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QSD
DAT
358
LTK DTR:'1O,7M2
DTC:346,6M2
THUA:17011F
(NHA
O
DUC B.LAN)
QSD
DAT 358
LTK DTR:15M2

(NHA
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QSD
DAT SO 35LTK DT SAN:53,8M2
DT DAT
CHUNG:395M2
(NHA
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DAT LO
A21 NGUYEN
VAN LINH,NAM
DUONG,HAI CHAU,DN
SO
DO BE 579491
QSD
DAT SO 35
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KIET HOAN
KIEM
HA
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88916410
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DAT
SO
35 LY THUONG
KIET HOAN
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DO
88916409
QSD
DAT
SO
35 LY
THUONG KIET HOAN KIEM
HA NOI SO DO 88916408
QSD
1O VONG DUC
(HO
NHA NGUYEN
THI
CUC)
QSD
SO
1O VONG DUC(HO NHA
ONG
THA
QSD
NHA
31
LY THUONG KIET(BA KIEN
QSD
175.177
NHA TRANG KHANH HOA
DAT 358 LY THUONG KIET(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 TRAN HUNG DAO
QSD

DAT
SO 33
LTK,
6,8
VONG DUC
QSD
DAT TAI CN CAN THO -
138
.
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TP.CAN THO
QSD
DAT TRUONG XUAN
QSD
DAT BINH THUY
QSD
DAT -GARAGE
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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
3t/12/2011 3t/12t2010
67,335,000,000
38,104,105,500
61,769,634,500
43,846,530,500
43,843,170,500
43,837,170,500
Atr,
qjq
6ri6 nnn
56,578,267,O0O
100,900,535,500
153,241,930,000
63,253,416,640
101,472,527,OOO
245,332,905,00O
239,815,317,000
30 449,760,000
22,523,467,OOO
43,705,068,000
14,O37,226,100
107,220,759,OOO
7,483,603,600
129,13A,454,546
18,473,400,000
37,518,036,000
7,257,497,674
126,528.711,580
12,4B1,587,000

78,319,970,000
49,001
,464,795
650,OOO,OOO
t'
300,ooo,ooo
637,A12,OOO
40B,OBO,OOO
253, BOO,OOO
4,376,174,OOO
4,376,98O,400
5,211,535.400
67,33-5.000.000
38.1 04.1 05.500
6l,769.63,1.500
.13,846.530,500
43.843.170,500
43,837,170,s00
65 575 555 000
56.578.267.000
100,900,s3 s.s00
l
53,201.930.000
30.449.760"00i)
22,523.867
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4
3,705,068.000
18.o37,226,t00
lol

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7.483.603,6()0
t29
,138.454,5,16
18,473.400.000
37.5 I ft.036.000
1
,4
| 5
.565
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126.528.71 I
.5ttO
12,88 I
.587.000
78,3 1e.970"000
49.001.46,4.19s
650"000.000
300.000,000
637,812.000
408,080,000
253,800.000
4.376.114.000
4,376.980.400
5,2 I1,535.,100
I,379,903,753,685
2,{130,02{1,251,735
l8
SH
TI

Ngdn hing I'MCP Shi Gdn
-
IIA NQi
26. Tni sdn C6 khric
Cric khoan lai.
phf
phai
thu
Chi
phf
x6y dung co
bdn do'dang
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phiri
thLr
(*)
Du'phdng riri ro cho cdc tdi sAn C6
khiic
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g6m
tdi
27. Chc kho:in
no Chinh
sdn thu€ thu
nhAp
hodn lai
vd
ciic

khodn
phAi
phfr
vi NIINN
5,587,414,201,213
4,261,547,,444,413
thu til c6c
giao
dich
n0i b6.
3l
t12t2011
VNI)
3111212010
VND
1,672.259.197.751
53.820.545.107
t.7 65.076.108,073
2.0()6-258,350,282
979,580.778.436
t67.766^500,923
1,623,392.948.1
38
1,490,807,216,916
3til2t201|
VNI)
31ilzt2010
VND
Vuy
NIINN

Vay tdi cAp
von.chiet fnar. t6i chi6t
kh6u
gi6i'to
c6
gi6
Val khric
Va1, BQ Tiii
chinh
Cdc
klrorin ngr khdc
28. Ti6n,
ving
gfri
cic td chrlc
tin dgng khdc
Tiin, r'ting
gfri
khing kjt hqn
-
Bing VND
^l
- Bang vhng
vd ngoai t€
Tidn, vcittg
grt'i
cti
kjt hgn
-
Iling VND

rr
J
-
Bang vdng vd ngoai te
2,1l14,554,872,526 903,716,150,812
2,184,554,872,526
2.1rJ4.554.872.526
903,716,150,812
903,716,1 50,8 l2
31il2t2011
VNI)
31112t2010
VND
3,07-J,462,954,9Io
3.013.432,231.136
30.1'23.t74
I2,83 5,620,442
"000
I t.752.564.442.000
t.0u3.056.000,000
4,960,133,659,390
4.960,01 8.877,
r
36
114,782.254
8,3I1,405,160,554
8,089.399. 160,5
54
222,006,000.000
13,271,538,819,944

15,909,083,396,910
l9
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NgAn hing
I'MCP Shi Gdn
*
Irn NQi
29. Ti6n
gfri
ciia
khrich
hing
Thuy61 minh theo lo4i ti6n
gfri:
Ti€n, viing gtii
khAng kj, hqn
'' :
-'l-iin
gu'i
khong k! han bang VND
-
l'iOn
gu'i
khdng ky'han bing vdng. ngoai
re
-';
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gni
cd kj hgn

-
f
i6n
gili
c6
kj,han bdng VND

:.
-
Ti0n
gui
co k1i han bdng
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vin chuy\n rting
;
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gtfl
Ky
qu!
31t12t201|
VNI)
4,295,134,807,545
3.6i4. 145.934.034
660,988.873.51
I
30,363,221,310,774
28,369.402"67
5.274

1.993.8l 8.635.500
6,902,523
156,283,861,013
31il2t2010
VND
4,167,896,3
77,5 26
3,t 57,816.940.298
410,079,437.229
21,3
54,186,408,455
19,608,605,010,047
1.7 45,581.398,408
3,787,913
I 18,75
5,4 58,973
30.
Vdn
tiri trcr, iiy thric
dAu tu, cho vay td chric tin dqng
chiu riii ro
3Ut2l201l
VND
Von nhAn
tdi tro, uy th6c
d0u tu, cho vay
bing VND
,,:
Von nhdn tdi tro, uy
thiic dAu tu, cho vay

bing vdng, ngo4i t0
226,386,012,419
31,87
4,646,881,855
25,640,842,032,967
3Ut2l20ta
VND
225.463,080,000
922.932.419
379,506.900,000
891.341,657
380,398,241,657
20