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tAi
san
c6

dinh
Ti0n
thu
tu
thani
ly,
nhugng
bdn
TSCD
Ti6n
chi
tu
thanh
ly,
nhuqng
biin
TSCD (*)
Mua
sim
b6t
dQng
san
ddu
tu
1"1
Tidn
rhu
rrr
bdn,
rhanh

Il
bir
dong
san
ddu
ru
Ti€n
chi
ra
do
biin,
thar;}r
ly
bdt
dQng
san
dAu
tu
(+)
Ti6n
chi
ddu
tu,
g6p
v6n
vho
ciic
,Jor
vi
.khiic

Ti€n
thu
dAu
tu, g6p
vdn
vdb
ciic
don
vi
lchdc
Tr€n
thu
c6
tfc
vd
Lyi
nhudn
duo-c
chia
tu
ciic
kiodn
dAu
ru, g6p
v6n
ddi
trar
.{,u'a-r
chuy6n
tiiin

thu6n
til
iroat
d6ng
dAu
tu.
20
21
22
22
23
1a
fi
I
2
3
4
5
6
7
8
9
25
26
27
28
29
30
3l
32

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-144
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bja
elri
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^
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von
0leu
ie
3
4
5

b
Titn
iiu tn- phdt
hlni
giay
to cd gi:i
ddr han
cd
du
di€u
ki€n
tintr vdo
.,
vOn
tu cd vd
ciic
khoan
vdn
va;,
diu
han
kh:ic
ro
Ti6n chi
than-h
toiirl
_ri6y
to c6 gid
dii
har

cci
du didu
ki6r
v6n
tu
cd vd
ciic
khoan
v6n
vay
dii
han
khiic
n ifnh v)o
3-
Cd
ti.rc
tra
cho
c6
d$ng,
lqi nlu6n
dd
chra
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jg
Ti€n chi
ra
mua
cd phiiiu

ngtn qu!
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duoc
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chuydn
tidn
thuAn
tr).hoat
dQng
thi
chinh
IV
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35
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43
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clrinh
dnh
hu,6ng
ciia
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ri gi6
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cdc
khodn
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tiiin
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r.e
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il
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l
6ng
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titjl
W.SI{B
NgAn
hing

TMCP
Sii Gdn
-
Hn
NQi
THUYET MINH BAO
CAO
TAT
CHfNI{ HOP
NHAT
Quf
I.2011
1,. Th6ng
tin vdingAn hing
Gi6y
ph6p
ho4t ilQng 0041-NMP
ngdy 13
th6ng 11 ndm 1993
Gi6y
ph6p
ho4t
dQng
do Ngin hdng
Nhd nu6c
Vi6t
Nam cdp
Thcri h4n ho4t
dQng
ctra Ng0n hdng ld

40 ndm
k€
tu ngdy
cAp
gi6y ph6p
dAu tiOn.
HQi tt6ng
Quin
tri
Ong
D6
Quang
Hitin
Chir tich
Ong Nguy6n Vdn
LO
Uy vi0n
Ong Nguy6n
Vdn Hii
Uy
viOn
Ong Trdn Ngoc
Linh
Uy vi6n
Ong Phan
Huy
Chf
Uy
viOn
Ong

TrAn Thoai
Uy vi6n
Ong LO KiOn
Thdnh
Thanh
viOn
dQc lflp
Ban ki6m
so6t
Bd
Ddm
Nggc
Bich
Trucrng
ban
Ong Nguy6n
Hiru Dric
Ph6 Trucrng
ban
Bh
Nguy6n
Thi
H6ng
UyOn
Thdnh
viOn
Ong Luong
Dric
Chinh
Thbnh

viOn
Ong Bni
Thanh
Tdm
Thdnh viOn
6ng
Ph4m
Hda Binh
Thdnh viOn
Ban
T6ng
Gi6m tliic
86
nhiQm ngdy
16
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6 ndm 2008
86 nhi€m
ngby
16 th6ng
6 ndm
2008
86
nhiQm
ngdy
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6
nim 2008
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ngdy

16
th6ng
6 ndm
2008
nO
nfrigm
ngdy
16
th6ng
6 ndm
2008
Bd nhi6m
ng)y
16 th6ng
6 ndm 2008
Bd
nhiQm
ngby
10 th6ng
8 nam
2010
BO nhiQm
nghy
16 th6ng6
ndm
2008
86 nhiQm
ngity
20 th6ng
5 ndm}009

86 nhigm
ngby
16
th6ng
6 ndm 2008
86
nhiQm
ngdy
16
thang6
ndm
2008
Bd
nhiqm
ngdy
16
th5ng
6 ndm
2008
nO
nfrigm
ngity
20 thrdng
5 ndm
2009
I
:/
.I
x
't'

\
Ong Nguy6n
Vdn LO
T6ng
Girlm
d6c
T6i
bO nhiQm
ngiy
08
th6ng
5 ndm2007
Ong Dang
Trung
Dfrng
Ph6 T6ng
Gi6m d6c
Bd
nhiQm
ngly
01
th6ng
9 ndm2106
6ng Bii
T(n
Nghi
Ph6 T6ng
Gi6m
ddc
86

nhiEm
ngdy
05
th6ng
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T6ng
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d6c
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nfrigm
ngly
10
thrirrg
4
nFm2009
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Vdn Thdng
Ph6 T6ng
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ddc
Bd
nhiEm
ngdy
01
th6ng
11

ndm 2010
Ngo
rhu Hb
Ph6
T6ng
Gi6m
ddc
86
nhiQm
ngdy
t5
rh6ng
3 ndmz)tl
Ninh Thi
Lan Phucrng
Ki5 to6n
truong
nO
nfrigm
ngiry
27
thang
7 ndm
2008
Tr+
s& chinh
SO ZZ
-
TrAn
Hrmg

Dao
-
Q.Ho)n
Ki6m -
Tp.Hi
NQi
-
Vi€t
Nam
W"SrI,H
NgAn
hing TMCP
Sii Gdn
-
Hn NQi
2. D4c
tli6m
hopt tlQng cria td chrlc tin dgng
Ng0n
hdng Thucrng mAi C6
phdn
Sdi Gdn
-
He Ngi
(du6i
ddy
ggi
tdt lh
"Ng0n
hdng") ld mQt

ngdn hdng thucrng
mai
c6
phAn ViQt Nam thdnh lflp tai
nudc
CQng
hba Xd hQi
Cht nghia
Vi6t Nam
vdi thdi
gian
hoat
dQng
ld 40 ndm theo 0041-NFVGP
ngdy 13 thrdng 11 ndm 1993 oia Ng0n hdng
Nhd nudc ViQt Nam.
VOn
itiAu
16 cria Ng0n hdng t4i
ngdy
3l/3/2011 ld 3,497,519,070,000 VND
(Ba
nghin b6n trdm chfn
muoi
btty
ty ndm trdm mudi chin triQu khOng
tram bdy
muoi
d6ng).
HQi so chfnh cira Ng0n hang dat tai Sd 77

-TrdnHrmg
Dao
-
Q.Hoan
Ki6m
-
HA NOi -
Vi6t
Nam.
T4i ngdy 3I/312011, Ng0n hlng c6 2250 nhdnviOn
(Cu6i
ndm 2010:
2022 nhdnviOn) .
3. T6m tit c6c chinh sdch k6 to6n chri
v6u
ChuAn
mqc vi ctrii aQ
k6
to6n
6p dgng
Ng0n hdng trinh biy cdc b6o cfuo tdi chinh
bing d6ng Vi6t Nam
(VND)
theo Ludt c6c T6
chric T(n dung, Ludt sira dOi
vd
b6 sung mQt s6 didu trong LuQt cdc T6 chric Tin
dung, c6c chuAn
mlrc kti to6n ViQt Nam
vd

HQ th6ng K6 to6n c6c t6 chric tin dpng ViQt Nam.
K)
b6o c6o vi tlcrn vi tidn tQ
Kj'b6o
c6o cria Ng0n hbng
bdt dAu tir ngdy 0l/01 /2011vi
k6t thric
vdo ngity
3l/3/2011. Dcm
vi
ti6n tQ st dpng trong
ghi
ch6p k6 to6n lh d6ng ViQt
Nam
(VND).
4.
Nguy6n tic
ghi
nhfn
c6c nghiQp vg beng ngo4i
t9 vi
quy
tl6i
Theo
hQ th6ng k6
to6n cira Ng6n hdng.
t6t cd cric nghiQp
vp
ph6t
sinh

ctra Ngdn
hdng duoc
hach
to6n theo nguyOn
tQ.
T4i
thoi di6m cu6i nAm, thi
sin vd
c6ng ng
c5 ngudn
g6c
ngoai
tQ duoc
quy
d6i sang VNE
theo tj'gi6
quy
dinh
vlo
ngdy lfp
b6ng cdn
AOi tC to6n.
Cfuckhoan
thu nhAp vi
l,lJ
chi
phf
bdng
ngoai t€
cua Ngdn hhng

duoc hach
toi{n bdng VND
theo tj,
gir4
vdo
ngdy
phdt
sinh
th6ng
qua
giao
dich
mua b6n ngoai
tC. Ch0nh lQch
tj'
gi6
do d6nh gi6,lai
c6c tdi
khodn kinh
doanh
ngo4i tQ
duoc hach
toi4n
vho
br{o
c6o K6t
qud
Hoat
dQng Kinh
doanh vd

loi
nhufln
e6 tai.
ChCnh
lQch
tf
gi6ph6t
sinh do
quy
d6i cdc thi sAn vi c6ng no
kh6c
bing ngoai
tQ sang VND
duoc xu
lli
vdo doanh sO
cua c6c
kho6n
mqc tucrng img trOn bdng cdn
AOi tti to6n vho
ngdy lflp b6o
ci{o tdi
chfnh.
5.
Chfng
kho6n
tIAu tu
gifr
d6n ngiy tl6o h4n
Chtmg kho6n no

giir
dtln ngiy d5o h4n ld
cr4c chimg
khoan c6
kj,han
c6 dlnh vb
ciic khodrn
thanh to6n
c6 dinh hoac c6 th6
x6c dfnh duoc vd Ban
Tdng
Gi6m tl6c
c6
y
dinh vd
c6 khi ndng
giir
dtin ngly d6o h4n.
NgAn hhng
dang
ghi
nhfln c6c chimg
khor{n ndy
theo gi| g6ccQng
ldi
du thu
tru
l6i
cho
phan

b6.
Gi6 tri
php
trQi ho4c chi6t
kh5'u
(n6u
c6)
cfrng dugc
phan
6nh vho gid
trf
ghi
s6 cira
khodn
dAu tu. Ldi
duoc dU thu ho4c
phdn
bO theo
phuong phrip
ducrng
thang.
Chrmg kho6n
duoc
git
d6n khi
dr{o h4n s€ duoc xem x6t vC
khi ndng
gihm
gi6.
Chimg

khodn
dugc lQp
dU
phdng gi6m
K"STIR
NgAn hing TMCP
Sii
Gdn
-
Hn
NQi
gi6
khi
gi6
tri
thf truong nho hcrn
gi6tri ghi
s6. D\r
phdng
giim gi|dugc
ghi
nhfn
vdo
b6o cdo k6r
qui
ho4t
<lQng
kinh
doanh.
6. Chri'ng kho6n

diu
tu sin sing
eC n6n
Chrmg
kho6n
dAu tu s8n s)ng Ae Uan ld c6c
chimg kho6n
duqc
gifi
trong thoi
gian
kh6ng dLn
dinh tru6c,
c6 th6 dugc
br4n AC Aap img nhu
cAu thanh khoin hoac
d€
rmg
ph6
v6i
trudng hqp
thay
d6i lai
suAt, ti
gi6,
hodc
gi6
tri
chimg kho6n. Ngdn hhng
dang

ghi
nhQn
c6c
chimg kho6n
ndy theo
gi6 g6c
cQng l6i dF
thu trri l6i chcr
phdn
UO. Cia tri
phs
trQi ho{c
chi6t kh6u
(n6u
c6) cfing
duoc
phin
6nh vbo
gi6
tri
ghi
sd
ctra
khoAn
dAu
tu.
Ldi
duoc
dp thu ho{c phdn
b6 theo phuong phr{p

ducrng thang.
C6c chimg kho6n nby
duoc ddnh
gi6dinh
ky
theo
gi6
tri thi
trudng vi
dg
phdng gi6m
gi6tri
sE
duoc lQp khi
gi6tri
thi trudng
nho hcrn
gir{
trf
ghi
s6. DU phdng gidm
gi6
duoc
ghi
nhdn
vio
b6o
c5o
k6t qu6
ho4t d6ng

kinh doanh.
7.
Chfng kho6n kinh
doanh
Chtrng kho6n kinh
doanh lb chimg kho6n
ban dAu
dugc mua vd
nim
giir
cho muc
dich kinh
doanh trong
ng6n han hodc
n6u Ban T6ng
Gi6m d6c
quy6t
dinh nhu
v6y.
Ngdn hdng
dang
ghi
nhdn
c6c
chimg kho6n
ndy theo
gi|
g6c
vdo
ngdy

giao
dich. Trong
c6c kj,ti6p
theo, c6c
chimg
kho6n
ti€p
tuc
dugc
ghi
nhf,n
theo
gi6 gdc.
Tuy
nhi€n,
gil
tri th! trucrng
cia
c6rc
chimg
kho6n v5n
duoc
Ngdn
hing
theo
d6i dC
d6nh
gid,re
rura
ndng

giim
gi6
khi gilrtri
thi
trucrng
th6p hon gi5
g6c.
Ngo4i
tru
truong
hqp kh6ng
th6 x6c ilfnh gid
trf thi
trudng m6t
c6ch
ch6c
chin
thi
gi6
tri cria
chring
duoc
tfnh
dua
trOn nguyOn gi6
sau khi tru
di tdn th6t
udc tfnh
(n6u
c6). Ldi

hoac
16 tt
kinh
doanh
chims
kho6n
dugc
ghi
nhdn
tron b6o
c6o k6t
qun
hoat
dQng kinh
doanh
theo
s6 thu6n.
8.
Cdc
khoin
cho vay
C6c khoan
cho
vay ngdn
han
c6 k!
han
du6i 1 ndm;
c6c khoin
cho

vay vd
cho thuo
tbi
chfnh
trung
h4n c6
k! h4n
tir I ndm
d6n 5 ndm
vb
c6c khodn
cho
vay vi
cho
thuO
tdi chinh
ddi han
c6 kj.
han
tr€n 5 ndm
k6
tu ngdy
giAi
ngdn.
ViQc phdn
lo4i no vd
lap
dU
phdng
rui ro tin

dung
duoc
thuc'hiOn
theo
Quytit
dinh
sO
493/2005/QD-NHNN
ngity
22 thartg
4 ndm 2005 vd
Quy6t
dfnh
s6 I8/2007/QD-NHNN
ngdy
25
th6ng
4 n[m 2007
cua Th6ng
d6c Ngdn
hang Nhb nu6c
Vi€t
Nam.
C6c khoan
cho
vay duoc phdn
thenh
ndm nh6m
ng
cdn cri

vdo
tinh hinh
trd ncv
vd
ci{c
ytiu
td dlnh
tfnh nhu
sau:
Nh6m I:
Nq
du fiAu chudn
o
Cdc khoin
no trong
han
mb Ng0n
hbng
drdnh
giri
ld
c6
dir khi
ndng
thu
h6i dAy
du
cn
gi5c
vd

l5i
ching thoi
h4n;
o
Cdc
khoin no qu6
han
du6i 10
ngby vd
Ngdn
hdng
d6nh gi6
ld
c6
kh6 ndng
rhu hdi
dAy
dri
g6c
vd
l6i bi
qu6
han vh
thu h6i
dAy dir
g6c
vd
l6i
dring
thoi h4n

cdn
lai;
Nh6m 2:
Nq cdn chrt
i
ww"slil,H
Ngin hing TMCP
Shi Gdn
-
Hn
NQi
o
C6c khoAn ng
qu6
h4n ttr 10 ngdy d6n 90
nghy:
o
Cdc
khoin ng di6u chinh
kj'han tr6 ng lAn dAu;
o
C6,c
kho6n ng co cAu l4i thdi
h4n trA ng trong h4n theo thdi h4n dugc co cAu lai.
Nhdm 3: Nq dtr6i ri€u chudn
o
Cdckhoin ng
qu6
h4n tri 91 dtln
180 ngdy;

o
Cdckhoan ng co c6u l4i thdi h4n trd ng lAn dAu, tru c6c kho6n
ng di6u
chinh
kj'h4n
trd
ng lAn dAu
phdn
lo4i vho nh6m 2;
o
Cdckhodn
no
dugc mi6n
hodc
giim
16i
do
kh6ch
hang kh6ng
dt kha ndng tr6lAi
dAy dn
theo hqp
d6ng
tin
dung;
Nh6m
4:
Nq nghi
ngd
c

CdckhoAn ng
qu6
han
tir
181
dtin
360 ngiry;
o
Cdc khoAn ng co c6u l4i thoi h4n tri
no lAn
dAu
qu6
h4n du6i
90
nghy
theo thoi hpn
tr6
no
dugc co c6u
l4i lAn dAu;
o
Cdc khodn ng co c6u l4i thoi h4n trd no lAn
thri hai;
Nh6m 5: Nq c6 khd ndng
mifu v6n
o
Cdc khoin ng
qu6
han
trOn 360

ngdy;
o
C6c
khodn ng co c6u lai
thdi h4n tr6 no lAn
dAu
qu6
h4n
tir 90 ngdy
tro lOn
theo rhoi
h4n trd no
duoc co c6u lai lAn dAu;
o
C6c khodn no co cdu lai
thdi h4n tr6 no
lAn thrl hai qu6
han
theo
thdi h4n
trA no
duoc
co cAu l4i lAn thri hail
o
Cdc
khoin ng co cdu lai
thdi h4n tr6 no
lAn thri
ba tro l0n,
k6

ci chua
bi
qu6
h4n
ho{c dd
qu6
h4n;
o
C6c khoiin no
khoanh, no
chd xu lf;
Theo
Quytit
dinh
s6
+SZ|ZOO5IQD-NHNN
ngdy 22
thang 4
ndm 2005 vd
euy€t
dinh
s6
l8l2007lQD-NHNN
ngdy 25 th6ng4 ndm2007,
eOi
vOi
c6c khoin
ng
qur{
h4n,

t6 chric tin
dung
ph6n
lo4i l4i vdo nh6m ng c6
rui
ro thAp hcrn khi Ngdn hdng
il6nh
gi6lh
c6 dir khA ndng thu h6i
dAy
!,
"
a
dti cA
g6c
vd l6i;
vh
kh6ch hdng c6 tdi liQu, h6 so chimg minh
c6c nguy0n nhin
ldm kho6n no
nhy
qu6
h4n dugc xu l1i, khdc
phUc.
Ngdn hdng
chir dQng tU
quytit
dinh
ph0n
loai

c6c khoin
no
vbo
c6c
nh6m no
rui ro cao hcrn tucrng
img v6i mric
dQ rui
ro khi
xiy ra
m6t trong
cdc trudng
hqp
sau ddy:
o
Khi c6 nhirng
diSn bi6n bAt lqi
tir t6c dQng
tiOu cuc
d6n mOi
truong
kinh
doanh vd
linh vuc
kinh
doanh;
o
Cdc
chi tiOu
tdi

ch(nh cira kh6ch hang ho4c
khi ndng
tr6 ng
ctra kh6ch
heng
bi suy
gi6m;
o
Khdch hdng kh6ng
cung c6p cho NgAn hbng
c6c
th6ng tin
tdi chfnh
klp thoi,
dAy dir
vd
chinh x6c d6 Ngdn hlng
drlnh
gi6
khi ndng
tr6 no
cua kh5ch
hattg.
4
W.Srt,H
Ngdn
hing TMCP
Sii Gbn
-
Hn

NQi
Drp
phdng
rrii ro tin dgng: Vi6c
tfnh dU
phdng
cu the duoc
cdn crl
tr6n c6rcty l€ r1p
dung cho
tirng nh6m no nhu
sau:
Nhdm
1
2
a
J
4
5
Loai
Nq
dri tiOu chudn
\
1
l\g can
cnu
y
Ng du6i ti6u
chuAn
Ng nghi ngd

-
A. A
l\g co KIra nang
mat
von
Tf
ie ds
phbng
cB tha
0Vo
5Vo
207o
507o
l00Va
10
-
25 ndm
03
-
05 ndm
06
-
10 ndm
9. Tii
sin cii einn
Tdi sin cO Ainfr duqc thC hi€n
theo
nguy0n
gir4
tru di kh6u hao lfly

k6. Nguy€n gir{
bao
gdm
todn
bQ cr{c chi
phi
md Ngdn hhng
phAi
bo ra
d6
c6 duoc
t}ri s6n cO
Ointr tinh
d6n thoi dirSm dua
tdi
san d6 vdo trang
th6i s8n sdng sir dUng. Tdi san cO einfr
dugc tinh kh6u
hao theo
phucrng
phdp
dulng
thing Ae tru dAn nguyOn
Ei6tii
sdn trong su6t thoi
gian
hiru dung
u6c tinh
nhu sau:
-

Nhd
cira, vflt kii5n
trfc
-
M6y
m6c,
thitit bi
-
Phucrng
ti6n vdn
tdi
-
DUng
cg
quin
l1i vd
ph6n
m€m
tin hoc
03 -
08 ndm
Quydn
su
dpng d6t dugc
kh6u hao
theo
phucrng
ph6p
duong
thing phD

hcr-p v6i
GiAy
chimg
nhan
quydn
su
dgng
<16t.
quyAn
su dr;ng
d6t vO thoi
han
dugc
ghi
nhQn
theo gi6
g6c
vd
kh6ng
rinh
khdu
hao.
10.
Tid;n
vi cdc khoin
tumrg
duong tidin
TiAn vd
c6c khoAn tuong
ducrng tidn bao

g6m
ti€n
m{t, vdng,
dit
quy,
ti6n
giri
thanh to6n
tai
NHNN,
tfn
phi6u
Ch(nh
phu
vd c6c
gi6y
td c6
grdng6n
h4n
du di6u ki€n
chitit kh6u v6i
NHNN,
c6c
,
.l
khoin
ti€n
grii
thanh
to6n

vd
ti6n
gui,
cho vay
tai c6c td chuc
tin dr,rng
khric c6
thoi h4n
dr4o h4n
kh6ng
qurl
3 thr{ng k6 tir ngdy
gui.
11.
C6c c6ng cg thi
chinh
ph6i
sinh
C6c cdng
cr,r tdi
chfuh
ph6i
sinh
dugc
ghi
nhdn
tr0n
bAng c0n
AOi te
to6n

theo
gir4
tri hqp
d6ng
vbo nglry
giao
dich, vd
sau d5
dugc d6tth
gi|lai
theo
gi6
tri hqp ly.
Lgi nhufn
hoac
16 khi
cdc
cong
cg tdi
chinh
ph6i
sinh duoc thuc hi6n
dugc
ghi
nhfn trong
b6o
c6o ki5t
quA
hoat
dQng kinh

doanh.
Lqi nhuan
hoac 16
chua thgc hi6n
duoc
ghi
nhan vdo
khoin
muc
ch€nh
lQch
d6nh
giSlai
c6c
c6ng.
W"SI"{B
Ngfln
hing
TMCP
Sii Gdn
-
Hn
NQi
cu tei chinh
phdi
sinh trOn bAng cdn
ddi
k6
to6n
vh

duoc k6t
chuyen vdo
k6t
qu6
hoat
dQng kinh
doanh
vdo
thoi di6m
cu5i
nam.
12.
Ghi
nhfln thu nh$p/ chi
phi
l6i
Ng0n
hing
ghi
nhdn thu nhflp
tu l6i vh chi
phf
ldi
duoc
ghi
nhan
ftOn b5o
c6o k6t
qua
hoqt

dQng kinh
doanh trOn co scy du
thu, du chi.
13.
Ghi nh$n thu
nh$p tt
phi
vi hoa
hdng dich vqr
Ngdn
hdng thu
phi
tu c6c
dich
vu
cung cdp cho khrich
hhng.
Thu nhdp
ttr
phf
c6
thd chia thdnh
c6c nh6m sau:
o
Phi thu
tir viQc cung ciip dlch vg
trong mQt
thdi
gian
nhdt itlnh:

Phi thu
rir viOc
cung c6p
dich
vq
trong mQt thdi
gian
nh6t dhh duqc
dU thu trong
su6t thdi gian
d6. Phi
ndy
bao
g6m
ph( quin
lf, phf
nhfn iry
th5c,
hoa
h6ng vb
c6rc
phi
liOn quan
d6n cAp tfn
dgng,
qu6n
lf
tdi sin,
phf quAn
lf

danh mgc vd c5c
chi
phf
qudn
lj
cfrng nhu
phf
tu v6n
kh6c.
o
Phi
thu tb viQc
cung ciip dlch
vqr
giao
dlch:
Phiph6t
sinh
tir viQc
d)m
ph6n
vb
tham
gia
ddm phin
cdc
giao
dich cho m6t
bOn
thri ba, vi

dp nhu
ddn
x6p vi6c
mua
c6
phAn
hoac
c6c loai
chimg
kho6n
kh6c hodc
mua lai
doanh
nghiQp
,
dugc
ghi
nhfln
khi
hohn
tAt
giao
dich
liOn
quan.
Ph(
hodc m6t phAn
cira khodn phi
ndy
c6 liOn quan

d6n
vi6c
thuc
hidn
m6t
cdng
vi6c
nh6t
dinh s€
duoc
ghi
nhQn khi
hodn
t6t
di6u ki6n
ruong
img.
ro
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wfikr-B
NgAn
hing TMCP
Sii
Gbn
-
Hh NQi
15.
Ti6n m{t, ving b4c,

tt6
quf
TiAn mpt bing
VND
l

r
J
Ti6n m4t bdng ngoai
tQ
16.
Tiijn
gfti
t4i
NgAn
hing
Nhh
nufc
Ti6n
gti
thanh todn
tai Ngdn
hing
Nhh
nudc

t
Ti6n
gui phong
toa

(ndu
c6)
Ti6n
gui
kh6c
17. Tidn, virng
gfri
tgi
c6c td chric tin dung
kh6c
Tiin, vdng
gfiri
khing
kjt hqn
-
B5ttg
VND
^J
-
sang ngoal t9,
vang
Tiin,
vdng
giri
c6 kj, hgn
-
Bing VND
^J
-
sang ngoal t9.

vang
330,413,737,905 201.,670,881,695
3r/03/20rr
VND
0r/0U20rr
VND
242,023,614,804
88,390,123,101
r29,658,609,695
72,012.272,000
3t/03/20rr
VND
0t/0r/20rr
VND
201,663,032,841
505,232,494,164
201,663,032,841 505,232,494,L64
3r/03/20tr
VND
01/0t/2011
VND
6,044,154,399,156
5,818,949,931,r92
225,204,466,964
8,168,757,563,333
.
6,498,847
,583,333
1,669,903,980,000
5,972,771,962,939

5,84r,605,497
,796
I3I,166,47
5,153
5,663,969,027,77g
5,569,309,027
,778
94,660,000,000
14,212,905,96t,489
11,636,740,990,7L7
WSII,H
NgAn
hing
TMCP
Sii Gdn
-
Hn
NQi
18.
Chring kho6n
kinh doanh
Chftng khodn
Nq
-
Chimg
kho6n
Ch(nh
phu
-
Chimg

kho6n
No
do cr4c
TCTD kh6c
trong nu6c
ph6t
hdnh
-
Chimg kho6n
No
do cdc TCKT
trong
nu6c
ph6t
hinh
Chftng khodn
VOn
-
Chimg khodn V6n
do
cric TCTD khric
trong nudc phSt
hdnh
-
Chimg
khor{n Vdn
do c6c
TCKT trong
nu6c ph6t
hlurh

Chfing khodn
kinh
doanh khdc
Dg
phdng
gidm
gid
chirng
khodn
kinh
doanh
Chftng khodn
N,g
-
Ed niOm ytit
-
Chua niOm
y6t
Chthng
khodn
V6n
-
Dd niOm
ytlt
-
Chua
niOm
ytit
Chicng khodn
kinh

doanh
khdc:
-
Dd niOm y6t
-
Chua
niOm y6t
3r/03/20r1
VND
0l/01/20t1
VND
68,989,759,561
99,511,970,109
68,999,759,561
99,511,970,109
(683,472,069)
(683,472,069)
68,306,297,493
98,828,399,041
Thuy6t
minh
vd tintr
tr4ng
ni6m
y6t
cria
cic chri'ng
kho6n
kinh
doanh

3l/03/2011
VND
0l/0U20lI
VND
68,989,759,56r
6g,9g9,l59,56l
99,511,870,109
9,511,970,109
90,000,000,000
68,989,759,561
99,511,970,109
wsH"P
NgAn
hing
TMCP
Sii Gbn
-
Hn
NQi
19.
CAc cdng cg thi chinh
ph6i
sinh vi c6c tii sin tii
chinh kh6c
T6ng
giti
tri cua
hqp d6ng
(theo
rj,

gid
ngdy hi€u luc
hqp d6ng)
T4i ngiy
31 th6ng 3 ntrm 2011
COng cq TC
phdi
sinh tiin tp
Giao dich lc! han
ti6n tQ 803,886,156,164
Giao dich hodn
cl6i ky
han
803,886,756,164
Tqi nghy
0l thdng 01
nIm 2011
C6ng cqr
TC
phdi
sinh tiin tp
Giao dich k! han ti€n tQ
138,561,862,265
Giao
dich ho6n tl6i ky han
49,902,858,800
188,464,721,065
20.
Chovaykh6ch hhng
Cho vay

cdc td chric kinh t6, c6, nhdn
trong
nu6c
Cho vay
chi6t kh6u
thucrng
phitiu
vd
c6c
.A
glay
t0 co
gta
Cho thu6 tdi
chfnh
C6c khoin
trhthay kh6ch hdng
, J A
Cho
vay
bdng v6n tdi tro,
uy th6c ddu tu
Cho vay eOi vOi c6c t6 chuc, c6 nhOn nu6c
ngodi
Cho vay kh6c
Ng
cho
vay
duoc khoanh vd
ng chd xri lf

Tiing
gid
tri
ghi
si5 kd todn
(theo
ty
gid
tqi ngdy lQp
bdo cdo)
Tdi sdn
638
,51
9
,384 ,l
| |
(626
,298 ,484 ,658)
12
,280 ,899
,4s3
638,579,384,111
(626,299,494,659)
12,290,999,453
142,117,439,795
(139,903,889,155)
2,213,550,640
49,902,858,800
(55,016,000,000)
(5,113,141,200)

192,020,298,595
(194,919,999,155) (2,899,590,560)
Gid ti rdi san/
LOnS nO
(conq
no) rong.
3l/03/20t1
VND
0t/01/20rr
VND
24,922,769,I17
,652
220,252,430,000
6,335,096,993.
I7,995,821,451
19,30r,930,114
24,344,537
,429,496
450,000,000
20,914,017,470
9,687,046,606
24,375,599,493,562
25,086,654,456,100
l0
WSH,H
Ngf,n
hing
TMCP
Sii Gdn
-

Hn NQi
19.1. Phin
tich ch6t lugng ng cho vay
Nq dt tiOu chuAn
No
cdn chf
f
Ng du6i tiOu
chuAn
Ng nghi
ngd
-
^.
A
r\g co Kna nang
mat
von
1,9.2.
PhAn tich du nq theo
thdri
gian
No
ngdn han
No trung han
Ncy dhi
han
23,9r5,448,944,515
791,991,439,363
74,971,593,314
40,409,499,719

263,934,001,130
3l/03/2011
VND
0l/0r/20tr
VND
23,438,102,934,9J7
596,554,769,933
36,t59,292,942
39,316,036,390
265,395,559,520
25,086,654,456,100
24,375,599,493,562
3t/03/2011
VND
0I/0r/2011
VND
14,692,213,547
,7gl
6,452900,960,370
3,94r,539,947
,g4g
15,670,135,513,199
5,390,059,295,340
3,3I5,394,695,034
25,086,654,456,L00
24,375,599,493,562
19.3. PhAn
tich
du nq cho
vay theo

eiii tupg kh6ch
hing
vir
lo4i hinh
doanh nghiQp
3t/03/2011
VND
7o
0U0u20rr
VND
Cho vay
cdc TCKT
Doanh
nghiQp
Nhd nudc
trung
ucng
Doanh
nghiQp
Nhi nu6c
dia
phucrng
C6ng ty TNHH
Nhh nudc
C6ng ty TNHH
tu nhdn
Cdng ty cO
phAn
Nhi
nu6c

COng ty
c6
phAn
kh6c
C6ng
ty
hqp
danh
Doanh nghi6p
tu nhdn
Doanh
nghiQp
c6 v6n
dAu tu nudc ngodi
Kinh
tr5 tap
rhi3
Cho
vay
cd nhdn
Cho
vay
khdc
16,877,446,012,299
1,256,221
,125,265
666,363,249,335
1,639,391,082,531
4,920,632,609,644
2,103,523,395,070

5,499,914,931
,435
0
466,540,248,327
3t5,r73,339,680
9,679,42s,002
8,084,737,985,623
124,470,459,199
67.29
13,720,512,092,554
56.29
s.Ol
468,829,488,391
r.92
2.66
33,129,458,05r
.
0.14
6.53
800,504,985,460
3.28
t9.61
4,572,949,481,058
t8.76
8.39
1,603,339,586,911
6.58
21.92
5,531,298,442,466
22.69

0.00
600,000,000
0.00
1.86
235,047,938,823
0.96
1.26
418,702,346,512
1.12
0.04
56,110,364,816
0.23
32.23
10,642,626,327,030
43.66
0.50
12,450,073,979
0.05
ll
25,086,654,456,100
100.00
24,375,599,493,562
100.00
w.skr"s
NgAn
hing
TMCP
Sii
Gdn
-

Hn
NQi
19.4. Phin
tich
du ng cho vay theo nginh
3U03/2011
VND 7o
0t/0u20ll
VND
Va
N6ng
nghiQp vb ldm
nghiQp
Thuj'sin
COng nghidp
khai
th6c md
C6ng nghiQp
ctr6 Uiiin
SX vi PP
diQn khi
d5t vi nu6c
Xdy dgng
Thuong
nghiQp,
sta
chta
xe
c6 d6ng
co,

m6 t6, xe m6y,
tl6 dr)ng
c6 nhdn vd
gia
<tinh
Kh6ch
s4n
vd
nhd hhng
Vdn
tii, kho
bdi th6ng
tin
1i0n lac
Ho4t dQng tli
chinh
Hopt ilQng khoa
hgc vi
c6ng nghQ
Cdc hoqt
<lQng liOn
quan
kinh doanh
tii sdn
vi
dich
4r
tu
v6n
Quan

lli nhh
nudc vh
an ninh qu6c phdng
(Ddng,
tlodn
th6,
ddm biio xd h6i
b6t
bu6c)
GiSo duc vd
ddo
t4o
Y
t6
vd
ho4t
d6ng
criu tro xd hdi
Ho4t
itQng vdn
ho6 th6
thao
Hoqt dQng phUc
vU
c6 nhdn vd
cdng
d6ng
Hopt tlQng
dich v.u
tai hQ

gia
dinh
Ho4t
d6ng
c6c t6 chric
vd tloin
tne
qu6c
t6
Ngdnh khdc
-i
r
ong
1,217.204,493,861
4.85
152,422,sts,184
0.61
2,134,612,122,015
8.51
3,631,517,r93,635
14.48
876,587,598,464
3.49
2,906,216,494,199
11.58
4,490,633,040,129
11.90
796,442,446,604
3.t1
2,409,363,627,771

9.60
315,680,399,342
1.50
122,',722,263,785
0.49
207,876,481,636
0.83
12,669,116,168
0.05
1,165,427,023,598
4.78
213,165,004,316
0.87
1,755,000,035,536
1 .2A
3,426,000,069,310
14.06
794,000,0t6,O71
3.26
2,696,000,054,589
I
1.06
3,196,000,076,862
ls.sl
585,000,01
1,845
2.40
2,254,000,045.639
9.25
593,753,012,022

2.44
84,500,001,71I
0.35
206,200,004,175
0.85
15,600,000,316
0.06
200,362,819,649
0.80
175,000,003,543
62,613,399,890
0.25
45,700,000,925
55,099,791,903
0.22
42,500,000,861
4,625,369,866,s22
18.44
5,855,000,118,553
132,140,407,16',7
0.53
120,400,002,438
r2,s22,619,978
0.05
9,393,000,190
0.04
663,937,630,927
2.65
542,950,010.994
2.23

0.12
0.19
0.1'7
24.02
0.49
25,096,654,456,100
100.00
24,375,599,493,562
100.00
t2
NW
SFTB
NgAn hing TMCP
Sii
Gdn
-
Hn
NQi
21. Dg
phdng
rrii ro
tin dgng
Ki
nd.v
Sii
au
tIAu k)
Dg
phdng
rui ro trich lQp trong

kj,/
(Hodn
nhQp
dU
phdng
trong
kj')
DU phdng
giAm
do xu
lf c6c khoin
ng kh5
_1 r
l.
r )
thu hoi
bdng
ngu6n dg
phdng
Di6u
chinh
tdng/
(gi6m)
khdc
S5
au
cuiii x;'
Ki
trwbc
Sii au tliu

k)
Dg
phdng
rtri ro
trich l4p trong
kj'/
(Hodn
nhflp dU
phdng
trong kj')
Dg phdng
gi6m
do xri lf
c6c kho6n
no kh6
_r , i., J
thu
h6i bdng
ngu6n
dg
phdng
Sd au cu6i
ty
22.Chrtngkho6n
dAu tu
21.1.
Chfng kho6n
ttiu tu
sin sing
eO nan

Chwng
khodn
Nq
Chrmg
kho6n
Chfnh
phri
Chtrng
kho6n
Ng do c6c
TCTD kh6c
trong
nu6c phdt
hdnh
Chrrng khorin
No do
c6c TCKT
trong nu6c
ph6t
henh
Chfing khodn
VOn
Chimg
kho6n
V6n
do
cr{c TCTD
kh6c
trong nudc ph6t
hAnh

Chung
khorin
V6n
do
c6c TCKT
trong
nu6c ph6t
hdnh
Dry
phdng
gi,rtm
gid
chftng
khodn
sfin
sdng
it|
bdn
170,452,655,5L7
1L1,727,193,773
Dg phdng
chung
VND
Dg
phdng
cs th6
VND
L64,823,526,714
5,629,129,903
107,732,171,165

3,995,022.609
164,923,526,714
52,669,990,366
II2,153,646,349
74,4L3,751,,543
33,318,419,622
0I/0r/20r1
VND
3t/03/20tr
VND
8,082,067,499,223
950,000,000,000
3,019,427,293,407
4,112,640,215,916
20,21r,000,000
11,329,170,000
9,992,930,000
(13,379,793,300)
7,467,235,119,909
350,000,000,000
3,001,686,034,713
4,109,549,095,196
20,126,000,000
.
11,329,170,000
8,797,930,000
(L3,419,974,900)
7,467,942,245,109
107,732,171,165
8r0gg,ggg,715,g23

13
WSHP
NgAn
hing TMCP
Sii Gbn
-
Hn
NQi
21.2.
Chiilrg
kho6n tIAu tu
giir
tl5n ngiy tl6o h4n
Chimg khorin
Chinh
phu
Chimg khodn
Ng do c6c
TCTD kh6c
trong
nu6c
ph6t
hdnh
Dg
phbng
gitm gi6chimg
kho6n
dAu tu
giir
dtin nghy

d6o h4n
23.G6p viin,
tlAu tudii h4n
-
Phdn tich
gi6
tri tliu tu theo lo4i hinh tIAu
DAu tu vdo
cOng ty con
C6c khodn
dAu tu
vho
cOng ty 1i0n doanh
Cr{c khodn
dAu tu
vdo
c6ng ty li€n kdt
C6c khodn
dAu tu dii han kh6c
D;r
phdng gidm
gi6
dAu
tu ddi h4n
0U0l/20rr
VND
1,000,000,000,000
1,000,000,000,000
300,000,000,000
1,000,000,000,000

L,300,000,000,000
3r/03/20rr
VND
tu:
3r/03/20rr
VND
0t/ot/2011
VND
337,889,000,000
333,389,000,000
-
Danh
mgc
cdc khoin
TOn
cdc tlon v!
C6ng
ty CP Ddu tu
vh PT Cao Su NghQ
An
Cdng ty CP
quan
ly
qu!
dAu
tu Sdi Gon
-
Hir Nqi
c6ng ty
cP cK

Sdi Gbn
-
Hd Noi
COng ty
CP Cao
Su
Phu6c
Hda
COng ty
CP Ph6t Tri6n
An Vi€t
C0ng ty c6
phAn
bdo hi€m SHB Vinacomin
COng ty CP
dAu tu
xay
dgng LILAMA
-
SHB
COng ty CP th6 thao
SHB
Di
Ning
COng ty
CP Thriy siin Gentraco
Cty CP
DAu
tu Tii
chfnh

Nam Vi€t
c6ng
ty cP BES An Thinh
Cdng ty CP Edu
tu BDS Gentraco
C6c t6 chuc kinh
t6 khric
tliu
tu,
g6p
v6n nhu sau:
337,999,000,000
333,389,000,000
3U03l20ll
0ll0U20tr
t
Vosil
ura
goc
-
ntru
Gi6giic
?l
600,000,000
5,200,000,000
98,180,000,000
27,859,000,000
l,000,000,000
30,000,000,000
I1,000,000,000

s50,000,000
8,000,000,000
1,500,000,000
8,000,000,000
2,500,000,000
143,500,000,000
600,000,000
0.40
5.200,000,000
10.40
98.180,000,000
9.82
27.859.000.000
0.62
1.000.000.000
2.00
30.000.000,000
10.00
11,000,000,000
11.00
550,000,000
I 1.00
8,000,000,000
9.90
1,500,000,000
|.25
8,000,000,000
10.00
2,500,000,000
5.00

139,ooo,ooo,ooo
9.50
0.40
10.40
9.82
0.62
2.00
10.00
I1.00
I 1.00
9.90
1.25
10.00
5.00
9.80
337,889,000,000
333,389,000,000
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cii rlinh
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Quy€n
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vd hinh
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tinh:
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c0ng
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mgc
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rel
ngay

cuot
Ky
1,390,377,199,421
473,434,736
38,876,940
38,876,940
3,291,957,009
376,703,246
376,703,246
3,000,684,696
246,406,590
246.406.590
6,766,076,441
661,986,776
661,986,776
5,988,310,020
20,000,000,000
1,406,365,499,441
\379,903,753,695
2,696,353,01.1
16,999,315,304
1,399,599,422,000
Ting,
giim
tii
sin
cii rlinh
v6 hinh
k)
trufc

:
Quy6n
sir
dgng
tt6t
PhAn
m6m
vi
Tii
sin
c6 ainn
Don
vi tinh:
VND
705,385,299,421
674,991,999,000
674,99r,899,000
322,000,000
r51,434,736
1s 1,434,736
4,557,059,194
20,000,000,000
1,431,251,926
-
r
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I
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729,942,347,615

676,423,150,926
676,423,150,826
700,000,000
2,592,390,133
r,s41,098,681
I,051,291,452
433,124
433,124
1,333,000,000
1,667,694,696
1,004,175,927
663,508,869_
2,355,000,000
4,411,509,565
2,696,709,244
1,714,800,32I
433,124
433,124
727,597,347,615
705,063,299,421
3,857,059,194
19,667,000,000
11
WW.STIB
NgAn
hirng
Thuong m?i Cd
phAn
Sii
Gbn

-
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Ngi
26.Tdi sin
C6
khdc
Cdc khoin ldi,
ph( phAi
thu
Chi
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xOy dpg ccy biin
do dang
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ph6i
thu
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Vay
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Vay

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28. Tiiin,
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giri
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-
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VND
-J
-
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gfti
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-
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^J
-
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vir
ngo4i tC

699,322,14L,946
903,716,150,912
3t/03/201r
VND
0t/0r/20t1
VND
1,284,429,258,77r
167,881,742,685
2,537
,042,156,154
I,235,738,079,163
957,082,854,329
167,766,500,923
L,862,695,492,749
872,325,799,499
5,225,09L,236,772
3,859,870,637,490
(*):
Kh6ng
bao
g6m
thi sdn thu6 thu
nhdp hodn lai vh
c6c khoin
phdi
thu tir c6c
giao
dich n6i
b6.
27.Cdc khoin ng

Chinh
phri
vh
NHNN
3t/o3t20tI
VND
0r/01/201r
VND
699,322,141,946
699,322,141,946
903,716,150,912
903,716,150,912
3t/03/20rr
VND
0l/01/20t1
VND
5,357,813,932,233
5,357
,365,350,597
449,49I,636
11,946,674,523,726
I0,346,379,423,726
1,600,295,100,000
4,960,133,659,390
4,960,019,977,136
'
114,792,254
8,311,405,160,554
8,089,399,160,554
222,006,000,000

13,271,,539,919,944
l8
17,304,489,355,959
WSITH
NgAn
hDrng Thuong m?i C6
phan
Shi Gbn
-
Hn NOi
29.
Tid;n
giri
cria
kh6ch hing
Thuy6t
minh theo
lo4i tii:n
gfri:
3r/03/20rr
VND
0t/01/201r
VND
Tiin, vdng
gfti
khing kjt hgn
1
r
r
-

Ti€n
gui
khOng
kj,han bdng
VND
-
TiAn
grii
kh6ng
kj, han bing
vdng, ngo4i
rc
;
\ 2.
2
'
Tidn, vdng
gui
c6 kj,hgn
-
Ti6n
giri
c6
kj han bing
VND
i
-
Ti€n
gui
c6

k! han bdng
vhng, ngoai t6
;
r
,
Tidn
gffi
vdn chuyAn
dilng
Tiin
gfti
kj
quI
3,867,962,599,727
3,319,465,962,116
548,496,637,61r
23,765,231,438,287
20,078,740,712,392
3,686,490,725,895
11,870,070,34r
134,437,618,638
4,r60,698,349,079
3,750,741,155,964
409,957.t93.115
2r,354,786,408,455
19,608,605
,010,047
1,7 45,58r,398,408
3,787,913
118,755,948,640

30. Vdn
thi trq, riy th6c tliu tu,
cho vay t6 chri'c tin dgng
chiu rrii ro
3r/03/20rr
VND
V6n
nhfn tdi trg, uy th6c dAu tu, cho
vay
bing
VND
4
V6n nh4n tdi trg, uy th6c
ddu tu, cho
vay
bdng
vhng, ngo4i tQ
27,779,501,,726,993 25,633,644,494,087
0t/0r/20t1
VND
382,000,000,000
974,722,498
37.9,506,900,000
891,34r,657
382,974,722,498
380,398,241,,657
t9
WSTTR
NgAn
hing Thucrng m?i

C6
phAn
Sii Gdn
-
Hh NOi
3L.
Cdc
khoin nq kh6c
Cdc khodn
phdi
trd nQi bQ
-
C6c kho6n
ph6i
trd
c6n bQ
nhdn vidn
-
Qul
trg c6p m6t vicc ldm
-
QuY
khen
thucrng,
phric
lgi
-
C6c khoAn
phAi
tr6

n6i
b0
khr{c
Cdc khortn
phrti
tud bdn ngodi
-
C6c
kho6n
phAi
tri
vO
xdy dlmg ccr
bin,
mua sim TSCD
-
Thu0
GTGT
-
Thuti TNDN
-
C6c kho6n
phdi
nQp Nhd nu6c khr{c
-Lditrh
tru6c
-
Chuy6n ti6n
phdi
trA

-
C6c khodn
ph6i
tr6
khric
Dryphdng
rfii ro khdc
-
D
phdng
aOi vOi c6c
camk6t dua ra
-
Dg
phdng
cho c6c dich vr,r thanh
to6n
-
Dp
phdng
rui ro kh6c
(Dl
phbng
rili ro
hoat
d6ng, kh6ng
bao
g6m
dqr
phdng

khdc
aiir vat fii
sdn C6 n1i bdng)
3I/03/2011
VND
0r/0r/2011
VND
345,306,284,581
834,241,268
1,315,45I,978
L,615,432,353
34I,54I,158,982
r30,558,970,732
6,468,100,000
1,415,406,779
6,537,852,374
5,224,330,555
6,19r,342,46r
7,408,332,961
96,713,605,602
8,012,999,261
8,012,999,261
34,123,658,443
r31,974,640
I,322,876,429
13,646,236,520
19,016,570,955
185,020,01r,996
6,468,100,000
2,853,843,691

12I,240,655,785
5,942,327,288
10,429,561,609
2,807,561,550
35,277,962,073
7,929,668,653
7,929,669,653
483,878,253,574
227,073,339,092
20