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BAN THUYET MINH BAO CAO
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Qui Iv.20t0
l. Th6ng tin vi ngAn hhng
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13
thirng I I nirtn 1993
{;iiy phdp hoat dQng do Ngin hirng Nlri nrLilc Vi6t Narn cip
llriri hen lrrrltl d,ltt':.'ttl N3.rtr ltltrl Iu -ltrttiitn ki tLt rrrirl tip 3i:rr plltrP
dilu Uell.
H6i ddng Qu:in
tri
f)ng D6 Quang I Ii6n. (lhu rich
( lrrS Ngtr)i'rr Varr Lc. llr.rtrlr r i.'rr
t)rrr Ngulirr Vrirr lhi. Iltrrrrlr riirr
()rt.: lrirr Ngqe Lir$. lltirrlr I iirr
( )rrg
l)hrtt llrry ('lri. lltrittlt r iitt
Ong Trin fhoar. Thinh vi6n
'fhirrtlt. I lrlt t r rt rt
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llan 1'dng (]iirm
diic
Ong Ngul'0n Vzrn I-e. l'6ng Giiun dirc ('l'iri b6 nhi0nr lai ngiy Oft thirng 05
niun 2007 )
()lrr lhllS llrrrrr: l)irrrl. I'lto li'trS (ii.rrrt J,'. rl'i' rrlriirtr I)Sir\ (rl llliillL {r(r
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2007)
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200e)
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i lrr l{l
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Sir 77 -
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)
'l'rin I lurrg l)ao - Q.t loirn Ki6rn - 'l'l' llir N6i ' Vi6t Nanr
I){c di6m hogt di}ng cria td chri'c tin dung
2.
Ngin hing 'l'hrrirng rnai C6 phin SIi
ngl.
Gt)n Ilir N0i (durri dl1 3oi tit
lrt "N-!lrtt hen3") lil rrrot
lip tai urLtic ('t)ng. ht)a Xi h6i ('lrtr nghia ViCt \enr
NIIiGt' ngly 13 thirng I I nirn l9cl3 cua Ngiilr ]tittg
hiurg rhgollg rnai c6 phin Vi6t Narn th)nh
r,(yi thcri gian lxrat d6r.rg
lI
,10
uiur thco
00.11
Nhlr ntr6c Vi0r Nam. Vdn di€u ld cua N-{r.in hiing tar ngirl' 3111212010
(Ba nghin. birn trirn chiuh bay
tj,
tram
trin
rnrLiri chinh tri.^tr. kh6n-g
li
trim
3.497.519.070.000 VNI)
bal- nltLtri I.lgiitr tl,,tr':)
::.rr'r:,'ll
SFI[i
Ngin hing'Ihuong m4i C6 phnn Sni (iirn - IIn
It6i
so chinh cua
NQi
Ngin hlng cluoc dat rai 56 77 -'l'r'iin IIung l)ao - Q.lIoiur Ki6nr -'l'l'.llit N6i
- Vi6t Nam.
Tai ngiry
3lll2l2}l0. Ngin hing cci 2038 nhin
r.idu tronc. clci : cirng ty AMC c6 133 uhrin r it'n
( Quli III.20l0 : 1755 nhiu viOtt).
'l'6m
-r.
tit
cfc chinh s6ch k6 todn chri y6u
Chuin mgc vir ch6 dij k6 torln 6p dung
Ngin hlng rrinh biry ciic bao cio tri chrnh bing
Tfn dung, I-uAt sua di\i
todn Vi6t Nanr
vi
vi
IIC th6ng K6 todn c:ic tO chirc tin dung
cho cua
vi ti6n t0 su
,1.
dr.rng
Nguy6n
Viit
ki
Nam
tQ
Ngil hing bir cliu ru ngiry 0l/01/2010 r'I k6t thLic vio ngiry 3ll1212010
1)on
trong ghi chip k6 todn 1l ddng Viet Nanr (VND)
tic ghi nhin cic
nghiQp vg bnng ngoai tQ vir qu1 tt6i
'l'hco h6 th6ng k6 toirn c1c Ngin hing.
toain rhco nguyen t6.
sar.rg
Viot Nanr (VND) theo Luet cic l'6 chirc
b6 sutg t.n6t s6 dii:u trong I-uit chc'l'6 chirc Tin dung. caic chuin rtltr,.
K-i b6o c6o vh don vi tiiin
Kj.bd.
clon-g
VND thco ty
cli cic nghi.^p r.u phlit sinh cua Ngin hirng cltroc hach
tit
'fai thiri ilicrn cu6i nf,m. tiri san vi c6ns ntr c(r
gii
quy dinh
gtL6tt goc ngoai t"^ dtro-c qLrl'diii
ritr ngiy [ip blng cin tk'i k6 toirtr. C]hc khoan
biing ngoar t0 cua Ngin hing duoc hach todn bang VND thco t1- gih
vI chi phi
thu nhip
vio ngiry phit sinh
th6tt-e
tlra
giao dich mua bdn ngo4i re. Ch6nh l6ch t.v gid do dinh giir lai cic tiri khoein kinh doanh ngoai tc
clr'roc haclr todu
vlo
b/ro cdo K6t qua
phiit sirrJt tl,, tlrry Ji,i C;.ir'liri :ittt
cua caic khoan muc tuoug inr!:
5.
r
lloat d6ng KiIrh
r
I
ltrr lllltr'rn
tler
lrri Chcrtll l0ch t)
gil'r
l .on; ttu khie hirrr llI{ri.li lLl 5iill'j VND Jrri.'i rtt lv r l "l":rt'l'
tri
hanq
e
n doi
ki t,rlrt r iLo Ittity lip
'rr
blio cdo tiri chinh.
Chfng khoin tIAu lu'giii d6n nghy d6o h1n
ChrJmg
khoin no giir d6n ngiry ddo han
li
cdc chimg
khoin cti kj'han c6 di.nb vir cric kholr thutlr
(illirn clirc cci
todn c6 dinh hodc ccj th6 xhc dirrh duo-c vir Ban'f6ng
1"
alnn vir cti khi nirn,g giir
tle'n
dio han. Ngin hiurg dang ghi nhin ciic chrlmg khoin nirl thc,, ri.r gi u ct'll': lJi dLL thtr triL lai
ghi s6 cr'ta
chir phin bd Giri tri phu tr-iri hoic ehicit khitr (tri'rt criiuirug duoc phan :inl r''io gi/r tri
ngir1,
hoic phin b6 thco phutrng phril] dLli'n" thing ('hung khoirn duoc
gitr dcln khi dir() han se ducrc xcm xit vir kha ning giarn gid. (lhiurg khoin ducrc ldp du phirng granr
khoan diu
rii
tu [-ii
klri ciri tr.i tlri tluirrrg
clua hoat d6ng
6.
ducrc dLr thu
11[qr
h
gij rrighi
so. I)rr Plt,rrrr: rtirrrn r:ia Jrri.rc,.hi trltijtt
kinh doanh.
Chfng khoin dAu tu sin sirng tl6 b6n
rio
h:rrr
r'ri,'k.lt
,it,,,r:.:i
sI{B
NgAn hhng Thuong m4i Cd phin Sii (ldn - llir N6i
Ii cdc chung khoin duoc giiL trong thir-i gian khirng irt clinh
cLi the clLLtrc birn dC dirp irrrg nhLr (rll thrnll kh,rrn hol-ic clt inrg ph6 vtii lr'trirng httl thrrr d0i
Chun-e
tru6c.
lli
khofn cliu tu sin slng
suit. t: gii. hotic
cl0 blur
gii tri
chilng khoi'rn. Ngln hiurg clang ghi nhin circ ch[mg khoiut Itiiv thco giri
lit
cho phnn b6. Gid tri phu tltlt ho;rc ehi.lt khriu {neLt rrilrr.ittr,l dlttrc Pltatr
gdc cdng lai drr thu rru
jrrh rao
thang.
sii tri ghi sri crrr khoatr djrr trr. Lai dLttrc tltt lhtt lrrrrit lrltrrtt ho lllc() fhLh'tlS plrrp.lLri,rrr
Cic chiurg khodn nly,cluoc dhnh gi/r dinh kj'thco giir tri thi 1r-rrirng vi du phirng gia:n giri tri
duoc
se
lip khi giri tli thi tnralng nho hon gid tri ghi s6. t)tL phirng
cio k5t qui hoat d0ng kinh
z.
gii duoc ghi nhin vio
brio
cloanh.
Chrirrg khorin kinh doanh
Chung kholn kirr}r dourrlr
ll
chung klrrrirr hln datr Jrr,'. tttttrt
rI ttittt lii
trnug ugin han hodc n6u Ilan Tong Girinr doc qLryet tlirh nbu
elrurrl khprrr 1il\ lher).qili c,',t rno rtrul giro tliclt.
rhco cl6i dC dirnh giri,rt, kha nang gidm gi/r khi
vil.
lti'r.: .ric ki tiip
duoc ghi nhin thco gid g6c. 'l Lry nhi6n. giri tri thi tlutrrtg cLlil
t11rp
giarn
u!
gil tri thi rlui,rg
hing dang
N-rriin
tltcr,.
trit .lrrlrre
-ehi
nhin ciic
klrorirr
tiil'
t hLrrL klt,rrirt r itrt tlLrtre Ngiin
ttl,
hittg
rlnip lton gia -r,ic. Ngoei tfif truorrg
khorrg rlr.' r:Lc Jirrh giu tri rhi trurrrr.s rnot cj.hr.h,'r. chin tlri
tr0n nguyen giri sau khi tru di t6n thAt u6c tinh (neu cr'r),
clto ttttt. .ltch kittlt .,i,':rrrlr
gii tri cLn.lttutg Jui.,t ltttlt rlttr
Lir hoic Io rit kinlr tk':ruh chitns
khoan
dlroc ghi nhin tr0n h:io c:io k6t quli hoat d6ng kinh cloanh thcr.r sir thtLin.
tl.
Cdc kho:in cho vay
(ll'rc khoan cho r,ay
han cci kj.han
lrin
5 nirrr
Viit
ngin hau c6 kj han duoi 1 nitr: citc khoar clro
tir I nim
clen 5
ki'tu rrger gili
phurr
nim vl
r''av
cdc khoan cho vay vir cho thu0
vi
tii
cho thr16 tiri chinlr tlLrng
chinh
dii
han cri
kj
han
rrgan.
loli nrr ri lip du phorrg rtri n, Iir
tlrrrrL Jrr.,,. rlrrfr'
hiilr
tlrr',r Qrrrit ,lirrlr .r,
.lirlr ',1 lri/lttrtT/QI)-NtlNN nqirv 25
lhir)s I nir)) l{t(}7 r'Lrir fh,"rr! ,-kic Ngirr Irlrrg Nlrir rrrntt Vi.'t Nrrrrr. ('rrt kholrr t Irrr rur ,lui.'. plr.ll
lhillr rrirn rrhorn l,r cdrr cir rltr tlrrlr ltlrtlt llil n(r \ ir (ii( \irl (r:,.lirtlt tttrlt nlttt rutt:
.193/2005/QI) NItNN ngir-v 22 thl.u)g 4 narn 2005 r'ir Quvlt
Nh6m
I:
.
Nrt du ti?u
chuin
('rit klrtllrr rr,.r rronc h.rn
rnlr N3irt hrtrg .lrirrh grrr
lu.,iJrr kltl
trirtt3 tlttt
lti'i J:lr
Jrr i;r
girc r i lai dirtrg thiri han:
o
( rc klrrrlrr
cliy du g6c vir
Nhim 2; No tin thti
r
lli
rrrr
rlur lrrrr tlrr,!i l(t r1"r, r'r Ngrr lrirrrg.lrrrrlr gir
lrL
iri klrr
nrrrtg tlrrr Irrli
bi quri han vi thu tr6l aiy Au 96c vii Iai diurg thni han cdn lai:
f
( ;i. kiuirtt ll(.r (lll:i Illrl tir I{r rrgir din oo rllil):
:r,,,lflSII13
NgAn hlng l'huong mai C6 phAn Siri Gbn - IIir N6i
. (lic
khoan no di6u
chlfi kj'han tr-d ntr l:lll cliLt:
o ( lir kltolttt lt,.r.,rr'i,t l;ri tlri,'r h.Ltt llil
Nhim 3.
Ntr
o(
kh,,;rr
n(.,
(llli hllrtir 'rI Jirr
o (lirc khoan n,r.,, cau lai fhoi
.
llrttlc ltlllttlt.,' tlloi ltlrr Jttirt .rt '";irtllt.
tlurii ti|tt t:ltttAtt
it
no
n(.I
IEU rrgirr:
han tta ntr liin
diu.
rrtL ure kltorrtt no Jiett ehrrth
k'i lran tla
hing kh6ng du kha niurg tra
lli elil .lLr
lin cliu phiin loai vIo nhrirn 2:
(lirc khoan no dLrrc rni6n hoic giam
lli
clo khJrch
thco hop d6ng tin dung:
Nhirn ,l: No ttglti
rtgt'r
.
Cliic khodn uir quir han
.
Cdc khoirn nrr co- cdu lai thcri han uii no lan dlrr
tln
rt,.r
o
Nluim 5:
dur.rt ctr
r r ti Alt,t
d6n 360 ngiry:
ncv ccr
c/itr lai thiri han
tlii nir liin thu
Cdc kl.roiin ntr qud hall tfe n 360
.
Cdc khoan n
.
ttt
nr.t duo-c
.
hai;
r.
ugiy:
lir
diLr qLrl ltlrt tu q() IrSIJ' trlr lerl tllco tlla)i
tt ciu lai lrrr diu:
Cdc khozin no ccr cau lai thoi han tra no
a(r cJLl li-lr
ltan dtfoi t,ll lr-rl) thco thtii han
tttittl tttit rritt
.
hqtt
qLLJ
citr lai lilt tliltr:
(liic khoiin
.\,lt
til I 8l
lin thir hai qud han thco thiri han tra nrr clLtrc
lilll llrtI lritll
Cdc khoiu nir ccr
ciu lai thoi han
1ra
no liin thtr ba tro i0n. ke ca cltLa bi qLli han
hoic da qud harr:
.
Cfc khoan
ncr khoanh, no chd
xu
lll
lhco err1.'r Ji[h s,i l,J.l/2rto5/Ql).NllNN rr.rur ]l rlrrirrr: -l 11;1vn ll)lr5 rrr Qurit ,lirrlr .,'
lB/2007/eD NIINN ngiy 25 thdng ,l nim 2007. c16i Vrii chc khoan no quh h r. tri chitc tin clLrttg
plr.rrr loai lui rrrp lhstn n(.i co rui 11, lltrjp lr(,n klri Ngrrrr ltirrr ..lirrlr riri li co dtr kltr ttrtrg tlrtr lr,ii .l:r1
dn ca g6c
vi lIi;
vir khdch hing co rri
qud han clrroc xu I1i.
vtii mirc
dO
lim khoan
Irtr
nl'r1'
cdc khoan nu
\l()
eue
rrrinh cltc nguyOn nhiitt
khic phuc. Ngin hirng chu d6ng tu cjul'6t dinh phin loai
th5r.n no- 1ri ro cao hon trK)ng rirtc
.
liiu. ho so chLln-l
rui lo khi xd.v ra rn6t trong cdc lruirng htrp sau dly:
Khi cri nhirng cliin bi6n bdt loi ru tirc ddng 1ii'u clrt dirr moi lrlfifn! kirllt tlo:tnlr vir
linlr l uc kinh doanh:
ttf,:i:i
SFI[B
Ngin hhng'I'huung mai Cd phin Sli (ldn'Iki
o
(lirc chi tieu
tij
chinh
cr,La
N6i
khdch hirrg hoic kha naurg tril ncr ctra khltch hing bi :Lrv
!llalll:
.
vi
Khirch hirng kh6n-e .r,ng .ep cho Ngiur hung cric thting tin tiri chinh kip th, ir.
.lir
ilLt
chirth xdc dG Ngin hirlg dirnh giir kha ning tllr rlo clra klrrich hiing
Dr,r phirng
du phr)ng cu th0 chLoc ciur cir tr6n cic ty
nii ro tin dgng: Vi"^c rinh
16
6p dunu cho
tinrg nh6m no nhu satt:
'l'j'lQ dqt Phdng cu
Nhirm Loai
th6
I
2
3
.1
5
cltu;in
Nt.r cin ehti Y
Nq duiti tiOu chuin
No- nghi ngcr
Ntr cti kha ndng mAt v6n
(Y7'
Ntr tlLr tiitr
51"
2(Yl'
5\r/t.
l(X)%
e. Tii sin cd dinh
l1i \i1l ctl dirrlr dui.rt.rlre lricn thco nguvi'rr lin lrir,li klliu lrlro lirr ki'. Ngttrirr gili lrrio r',''rtt l,r.ttt
b6 c:ic chi phi mi Ngiu hiurg phli ho lr tlcr co Juirc tli :rn e6 tlinh tinh d6n thtri tliOrn dua lii sarr dti
thii sin sirng sir dung. l'hi san co dinh tlurrc trrh khitr hao theo phutrng phip
d6 tlir din ngul'6n gii tii san trong su6t thtri gian hiu drtns tn'rc lilth nhrt sau:
viio trang
- Nhi clra. r rit kii'rr
- NIhy rrrric. thicrt
l0
tlLie
L'i
- Phuong ti0n vAn
cluirng thi-rng
25 nirrn
03 - 05 narn
tii
06 - l0
- I)uu.q cu qLrln ly vu phrin ntiltr titt
httc
03 -
0[l
trilr
nnrn
(ii.ir .lrrrrrl
Qrrlirr',rr .lrrrrg J.it Jrrie khirr hrru th.'o Pltttr,tr.: I'11;iP Lltti,ttr tlrtlt!' plru lrr,P riri
rrhdn quydl su dung drt. Quydn str dung dit vO thiri han dLrr.,e ;:hi nhln theo 1j1 s,,t rrt kh6ne rinh
k
hilu hxo.
10.
Tiin
vh cic khorin tuong duong tidn
'fr6n bii6 cixr
vi
lr-1r chuydn
clli quy. ricin grii
han (ai ciic ngiin
11.
tii:n te. tiOrr
vi cic khoan
ttr()us rlLfott! trirr hro r:irnt ti.rtr. kirn loai qiLl'
tharfi toin tai Ngin hirng Nhir ntl(ic ViLll
Nrrrrr. tieLt gtri
h)ng khic c(r thiri han dio han kh6ng quir 3 thlirlg
Cic c6ng cg thi chinh Ph6i sinh
kC
khi,rrl
tu ngiry gtti.
ki
lr;rn vir cti
hj
iil} SFIIS
Ngin hr:rng'I'huong miri C6 pltin Sii (]dn
Clic c6ng cu liri chillh
-
lli
Ndi
phli sinh dr-rrrc ghi nhlin tlen billtq citl
Ll'ir
le t'rirl
tlle
.' ':iri tri ll.'P tlirrtt I itr
ly I'ri ttllttlltt hoil( li-' khi cri' ..i'rtl ..tt
tii chinh phdi sinh clurrc thttc hi"^n dtttrc ghi nhin ttonq bilo ei. kir tlLtil lttrat tl'lrrsl krnh Joallll l-tri
rtcirl riro di'.1t. r:t:r-ttt Jri JLt.vt rLirrh giri liri tltcu rirr lrilr'11r
r.fiulin hoic 16 chlra thuc hi6n duoc ghi nhin viro khoan rnuc chdnh lech cllinh
cltinh phiii sinh trOrl barlg cin d6i k6 toin vii clucrc
thoi
die rn
12. Ghi
kit
chLtvetl r rto
gii lai cdc c6nq cu tit
kil (lttr h!\iit 'l'irtg
trj"1' tloatlll
'icl
cuiri traur.
nhin thu nh{p/ chi Phi ldi
Ngin h)ng ghi nhAn thu nhip tu lai vir chi phi lni ilLroc ghi
kinh doanh
1r'en
nhalrt
lrin hio ti,,
k,.lt qLra hoal cl6ng
c(t so du thu. du chi.
l.l. (ihi nhin thu nhip til phi Ii'r hoa hdng dich vu
Ngin hirng thu phi tu
ci'rc
tlich
r
Lr
crrnl e ip t ho khlclr hirng. 'l liu t rip tiL phi cri th6 chia thirtrh
cdc nh(rm sau:
.
dlch t,y trong ,nQt thoi gian nhifu tllrth: Phi thu tiL vi6c
"iip
(.lll.- (iil) uliclr rrr tlrlg ln(il llloi girrrt rrJtit rlirtlt.lLrr.rr' (lll ll)rl tllrll! 'ttirl tlt,ii ':iutl J,'. l'lrt tr:rr
lr11qr qir111 |hr qtrlrr ly. phi nlrrrr uy tlriic. I)()J lti'ttr' rir rir\' l)lll liitl tltt;rtr Jitt .lilt Ittl ilLttr,'.
qu:6 ly tiri san. phi tludn ly danh muc vii chc chi plrf t;urn l1 eun-u nhlr phr tLr rirt khitc.
I,h{ thu
tri.
vi(c ,ung
I'hi thu tit vi(c cung ciip tllch vy gitto tllch: l'hi phil sinh tir vi0c dirm phrin vi tham
gil .lirn ph jrr cic -ciilo dich ch,, m,lt hirr tlrir hr. r i dtr rrlrtt dhn ri'p r iic tntlr ( i, nll.rll lltlit'
cdc loai chirng khoin khic hoic nua lai cloanh nghiCp . rlLrrie ghr nhrin klri lroirr tit giao dich
.
liirr
tlrrurr. I'lrr hrrir.rrrot phirr curr
kh
rrn phi
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