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BAO
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ld 40 nam ke tn' ngdy cAp
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Tru sri chfnlt
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ld
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nhAn
vien
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nim
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T6m
tit
cdc:
chinh
srlch
lil{
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tc{ torin
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theo
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chric
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dung,
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cl6i
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dung. cdc
chuAn
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k6
to6n
Vi€t
Nam
vdr
HQ th6ng
K6 todn
c6c
t6
chric
tin dr,rng
Viet
Nam.
Ki, b6o
c6o
vd don
r
i
ti6n
tq
K
j,
b6o
c6o
cua
Ngdn
hdng
Uat
AAu
til

ngdy
0111012011
vd k6t
thf c
vdo
ngay
3 1ll2l20l1
.
Diyn
vi
tiAn
tQ
su dung
trong
ghi
chdp
kti
to6n
ld ddng
ViQt
Nam
(VND).
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Nguy€n
tic
ghi nh$n
cic
nghiQp
vg
bflng

ngoai
tQ
vir
quy
tl6i
Theo
h6 th6ng
k6 torin
cta
NgAn
hdng,
tAt
cit
citc
nghiQp
vu
phrit
sinh
cira
Ngdn
hdng clugc
hach
to6n
theo
nguy€n
tQ.
Tai thd'i
di6m
cu5i
nAm,

tdi sdn
vd
cdng
no c6
ngu6n
g6c ngoai tQ
duoc
quy
d6i
sang
VND
theo
ry
gi6
quy
dinh
vdo
ngdy
l$p
b6ng
cdn
ddi kC to6n. C5c
khoan thu
nhdp
vd
chi
phf
bdng
ngoai
tO cfia

Ngdn
hdng
dugc
h4ch to6n
blng
VND
theo
ty
gi6
vdo
ngdy
phrit
sinh
th6ng
qua
giao
dich
mua
b6n
ngoai
t€.
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lQch tj'
gi6
do
cl6nh
gi6
lai cftc
tdi
kho6n

kinh doanh
ngoai
t6 duoc
hach to6n
vdo
b6o
ciio
K6t
qua Hoat
d6ng
Kinh
doanh
vd
lo-i nhu4n
dd
lqi. Ch€nh
lQch
ty
gi6
ph6t
sinh
do
quy
cl6i
chctiti
sdn
vd cdng
ng
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bdng ngoai

te sang
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xu ly
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doanh
s6
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muc
tuong
ri'ng
tr€n
bAng cdn
A6i
tC
toiin
vho ngdy
lQp b6o
c6o
tdi
chinh.
5.
Chring
khofn
tlflu
tu
giit
tl6n
ngiry
d6o

h4n
Chri.ng
kho6n
no
giir
d6n
ngdy
d6o
han
ld c6c
chri'ng
khoan
co
k! han
c6 einn
vir c6c
kho6n
thanh
toiin
c6
dinh
hodc
c6 thtir
xiic
dfnh
duo-c
v2r
Ban
T6ng
Gi6m

d5c
co
I
dinh
vd c6
khA
n6ng
giir
'd6n
ngdy
cl6o
h4n.
NgAn
hang
clang
ghi nhAn
cdc
chrlng
khodn
ndy theo
gia
g6c
cong
lbi du
thu
tru
ldi
cho
ph6n
b6.

Gi6
rri
phu trdi
hodc chi6t
khAu
(n6u
c6)
cfrng
ctuoc
ph6n 6nh
vdo
gi6 tri
ghi
s6
cua
khoan
cldu
tu.
Ldi
duo.
c
du
thu
hodc
phdn b6
theo
phuo'ng
phap cluo'ng
thing.
Chti'ng

kho6n
duo-c
gifr'd€n
khi
d6o
han
s6
duo-c
xem
xdt
v€
khd
ning
gi6m
gi6. Chirng
kho6n
duo-c
l6p
du
phdng
gi6m
gi6
khi
gi6
tri
thi
rrudng
nho
hon
gi6

tri
ghi s6.
Dr,r
phdng
giAm
gi6
duo.
c
ghi
nh4n
viro biio
cdo
k6t
qud hoat tlQng
kinh
doanh.
6.
Chri'ng
kho6n
iIAu
tu
sin
sirng
tI6
bfn
r;in&S}JB
Ngdn
hing
TMCP Shi
Gdn

-
He NQi
Chf'ng
kho6n
dAu tu
sin sdng
dC Uan
ld c6c chri'ng
kho6n
clugc
giD'trong
thdi
gian
khong 6n
dinh tru6'c,
c6
th€ cluo-c
b6n OC
Oap fng
nhu cAu
thanh
khodn
hoqc d€ ung
pho
voi truong
hop thay
d6i
lai su6t, ti
gi6, hoflc
giri

tri
chfing
kho6n.
NgAn
hdng clang
ghi
nhdn c6c chring
kho6n
ndy theo
gi6
g6c
cdng
ldi du thu
tru
lai cho
ph6n b6. Gi6
tri
php
tr6i
ho[c chi€t
khAu
(nOu
c6) cfrng
duoc
ph6n 6nh vdo
giri
tri
ghi
sd cua
kho6n dAu

tu.
Ldi dugc dU
thu
hoac
phAn
bd
theo
phuong
ph6p
cluong
thAng.
C6c chirng
kho6n
ndy clugc cl6nh
giri
dinh
k! theo
giri
tri
thi trtrd'ng
vd du
phdng
giAm
gi6
tri s6 duoc
l4p
klii
gi6
tri thi trud'ng
nho

ho-n
giri
tri
ghi
s6.
Du
phong
giim gi6
duoc
ghi
nhdn
vdo
b6o c6o
kt5t
quA hoat cl6ng
kinh doanh.
7. Chring
khorln
kinh doanh
Chfng
kho6n
kinh doanh
ld chf'ng
kho6n ban
dAu duo. c
mua vd
ndm
gifr'
cho
muc dich kinh

cloanh
trong
ng6n
han
hodc
neu Ban
T6ng
Ciam
d6c
quy6t
dinh
nhu vdy.
NgAn hdng clang
ghi
nhdn
c6c
chilng
khoiin
ndry theo
gi6 g6c vdo ngdy
giao
dich.
Trong c6c
kj' ti6p
theo, c6c
chti'ng
kho6n tii5p
tpc
cluo.
c

ghi
nhdn
theo
gi6
g6c. Tuy nhi6n,
giri
tri thi
trud'ng
cia c6c
chfng
kho6n
v6n duo-c
NgAn
hdng
theo d6i
dC
cl6nh
gi6
vC
t<na
ning
gi6m
gi6
khi
gi6tr\
thi
truong
thdp hon
gia
g6c.

Ngoai tru'
trudng
hoo
khdng
th6
x6c dinh
giri
tri thi
truo'ng
mQt
c6ch ch6c
chin
thi
gi6
tri cua
chring duo.
c tinh
dqa
tr6n
nguy€n
gi6
sau
khi trD'di
t6n th6t
u6c
tinh
(nt5u
co).
Ldi
hoac 16 tii

kinh doanh
chr?ng
kho6n
clugc
ghi nh6n tr€n
b6o
c6o
ktit
quA
ho4t dQng
kinh doanh
theo
sti thuAn'
8.
Cic
khoin
cho
vay
Ciic
khoan cho
vay
ngfn
han
c6
kj,han
du6i
I ndm; c6c
khoan cho
vay vd cho thu€
tdi chinh

trung
han c6 kj,han
tu
I nam d6n
5
nam vd c6c
khodn
cho vay vd
cho thu€ tdi chinh
ddi han c6
kj'
han tr€n
5
ndm
kO
tir
ngdy
gidi
ngAn.
Vi6c
phdn loai no
vd l4p
du
phdng rtri ro tin dung
duo-c
thuc
hi€n theo
Quytit
dlnh s6
4g3t2005tQD-NHNN

ngdy
22 thilytg
4 nam
2005
vd
Quytit
dinh s6
l8/2007/QD-NHNN
ngity 25
thhng
4 ndm 2007
cira
Th6ng d6c
NgAn
hdng
Nhd
nu6'c ViQt
Nam. C6c
kho6n cho vay
duoc
phdn
thdnh
ndm nh6m
no- cdn cf
vdo tinh
hinh trA
no- vir cdc
y6u
t6 clinh
tinh nhu

sau:
Nhdm
L' No
du tidu
chutin
r
C6c
khoan
no- trong
han md
Ngdn
hdng
dSnh
gi6
ld c6 d0
klra ndng
thu hoi dAy
drJr cir
g6c
vd
ldi cltng
thoi
han;
.
C6c
kho6n
ng
qu6 han
dudi
l0

ngdy
vd Ng0n
hdng d6nh
gi6
ld c6
khd ndng
thu
hoi
dAy
dir
g6c vd
lAi bl
qu6
han vd
thu
hdi
dAy
dri
gdc
vd
lii clfng
thd'i
han cdn
lai;
Nhdm
2. Nq
can
chil
y
.

C6c
khodn
ng
qu6 han tir
l0 ngiry
d6n
90 ngdyl
.
C6c
khoin
no
diOu
chinh
kj'han
trA
no
lAn
ctAu;
o
Cdc khoan
no- co'
cAu
l4i tho'i
han
trd ncr
trong
han theo
thd'i
han duoc co
c6u lai.

J
ii,j,lii
SHB
Ngffn hing TMCP SiriGdn
*
HA NQi
Nhdm .3. Nq' dati tiAtt
chudn
o
Cdc
khoAn no
qu6
han tu 9l d6n
180 ngdy;
o
Chc
kho6n no co cAu
l4i thoi han
tri no lAn dAu, trir ciic
khoAn no didu chinh ky han trd
no- lAn dAu
ph6n
loai vdo
nh6m 2;
c
C6c
khoAn no- dugc
mi6n hodc
giAm
ldi do kh6ch

hdng khdng
dit
kha ning trA lai dAy dri
theo ho-p ddng
tfn dung:
Nhtim 4. Nq nghi ngd
o
Cac
khoAn no-
qu6
han til l8l d6n 360
ngiry;
c
C6c
khoan no co cA,
lai tho'i han trA
no lAn clAu
qud
han dudi 90 ngdy theo tho'i han
trd
no
duoc
co c6u
lai ldn dAu;
.
C6c
khoin
no co cAu
lai thoi
han trd ng

lAn
thri'
hai;
Nhtim 5:
Nq c6
khd ndng
miit
viin
c
Cdc
khodn
no
qu6
hqn trOn
360
ngdy;
o
C6c
khoAn
no co cAu
lai tho'i
han trA
no lAn dAu
qu6
han tir 90
ngdy trcv l€n theo thoi
han trd
no duo-c co
cAu lai
lAn dAu;

.
Circ
khoAn no co
c6u lai thoi
han trd
no- lAn thf hai
qu6
han theo thoi
han
tra
no-
duo-c co c6u
lai lAn thf
hail
o
Cfrc
khoAn ng co
cAu lai thoi
han tr6
no lAn thf
ba
tro' l€n, ktl cA chua bi
qu6
han
hodc cld
qu6 han;
o
C6c
khodn
no khoanh,

no- chd
xt l;f
;
Theo
Quy6t
dinh sO
+qZ|ZOO5/QD-NHNN
ngity 22 th6ng
4 ndm 2005 vd
Quy6t
dinh s6
l8l2007lQD-NHNN
ngity 25
thing4 ndm2007,
e6i
vOi
cdc
khodn
lq
qud
han"
t6 chrlc
tin dung
t
phAn
loai
lai vdo nh6m
no
co
rui

ro
th6p
hon
khi Ngdn hdng d6nh
gi6
ld c6 dt
kha ndng
thu
trOl
OAy
du
cd
g5c
vd
ldi;
vd
kh6ch hdng c6 tdi
liOu, hd so
chirng minh c6c
nguy€n
nhdn
ldm khodn no
ndy
qu6
h4n duo-c
xri ly,
khic
phuc.
Ngdn
hang chri dQng

tu
quytit
Ointr
phdn
lo4i
c6c
kho6n no
vdo c6c
nh6m
no- rti ro cao
hon tuong
ri'ng vdi
mfc dQ riri
ro khi xtry ra m6t trong c6c trudng
hop sau
ddy:
.
.
Khi c6
nhirng di6n
bi6n
b6t tqi
tir t6c dQng
ti0u cgc
dtin rirOi truong
kinh doanh vd
linh vgc
kinh doanh;
o
C6c chi

ti€u
tdi chfnh
cria
kh6ch
hdng
hopc
khA n[ng
trA ng cta
khSch hdng bi
suy
gidm;
.
Kh6ch
hdng
khong cung
c6p
cho
NgAn hdng c6c
thdng tin
tdi chinh
kip tho'i, dAy du
vd
chinh
xac cl0
NgAn
hdng cl6nh
gi6
kha
n6ng trd
no cua kh6ch

hdng'
Du
phdng
rfii
ro tin dung:
Vi6c
tfnh dp
phong
cU
the duoc can cri
trOn cric ty l€ 6p dung cho
tirng
nh6m no.
nhu sau:
iiii,SFIB
NgAn hhng TMCP ShiGdn
- IIn
NQi
Nh6m
I
2
a
J
A
T
5
Lo4i
No. dir
ti€u chuAn
; 1,,

No-
can cnu
y
No dudi ti€u
chuAn
No
nghi ngo
-
t.
A
NO CO
Kna nang
mal von
-
Nhd
cira, vdt
ki6n
trfc
-
M6y
m6c, thi6t
bi
-
Phtrong
ti6n vpn
tii
-
Dung cqr
quan
lli vd

phAn
mdm tin
hoc
Tf IQ dW
phdng
cg th6
0%
5%
20%
50%
100%
9.
Tiri
sin
c6 Ointr
Tdi s6n cO Ointr
dugc th6
hi6n theo
nguy6n
giri
trir di khSu
hao lfiy kt5. Nguy€n
gi6
bao
gdm
todn
bd
c6c chi
phi
md Ngdn

hdng
phAi
bo
ra
d6
c6 dugc tdi
sdn c6 dinh
tinh cl6n thcri cli6m dua tai
s6n
d6 vdo trang
th6i
sin sdng
sft dqng.
Tdi
sAn c6 dinh
duoc tinh
kh6u hao theo
phuong ph6p
duong
th6ng
dO trir dAn
nguy€n
giri
tdi sdn
trong
su6t thoi
gian hiru dung u6c tinh
nhu sau:
l0
-

25
ndm
03
-
05
n[m
06
-
l0 ndm
03
-
08 n6m
QuyAn
su
dung clSt
cluo-c
kh6u hao theo
phuong ph6p
dudng thdng
phn
ho-p vdi Gi6y chring
nhAn
quyi:n
sfi'dr,rng
d6t.
quyen
sir dung
d6t
vO thoi
han

duoc
ghi
nhAn theo
gi6 g6c
vd
khOng tinh
kh6u
hao.
10.
Ti0n
vi cric khoin
tucrng
tlucrng
ti6n
Ti€n vd c6c
khodn tuong
clucrng
ti6n bao
gdm
ti€n
pr{t,
vdng, d6
quy,
ti€n
gui
thanh
toiin tai
NHNN,
tin
phi6u

Chfnh
pht
vd c6c
gi6y
td c6
gi6
ng6n
han
dri
di€u ki6n chi6t
kh6u vdiNHNN, c6c
khodn tiOn
gui
thanh
to6n
vd tidn
giri,
cho
vay t4i cric
t6 chirc tin
dung kh6c c6 thoi
han cl6o han
khOng
qu6
3
th6ng k€ til
ngdy
grii.
11. Cdc
cdng

cg
tii chinh
Phfi
sinh
C6c
cdng
cu rdi
chfnh
ph6i sinh
duoc
ghi
nh4n
tr€n bang
cAn
O5i
t<6 toan
theo
giri
tri
hqp d6ng
vdo
ngdy
giao
dich,
vd
sau d6
dugc
d6nh
gi6
lai theo

gi6
tri
hop
ly. Lqi
nhudn
hoac
16 khi c6c c6ng
cq tdi
chinh
phiii
sinh
clugc
thgc
hi€n
cluoc
ghi nhdn trong
b6o cao
k6t
qua
hoat
dong kinh doanh.
i-o-i
nhu6n
hodc 16
chua
thyc
hi€n cluo-c
ghi
nhAn
vdo

khodn mpc
ch€nh
l6ch clinh
gi6lqi
c6c cdng
cu tdi
chinh
ph6i
sinh
trOn
bdng
cdn cl6i
k6 to6n
vd cluo.
c k6t
chuy€n vdo
k6t
qu6
ho4t cl6ng kinh
doanh vdo
thoi
cli6m
cu6i
narn.
'?,,rili
SHB
Ngdn
hing TMCP
Shi
Gon

-
Hn NQi
12. Ghi nh$n thu
nh4p/
chi
phf
l6i
NgAn hdng
ghi nh6n
thu
nhdp tir
ldi vd chi
phi l6i
cluo-c
ghi
nhAn tr€n b6o
cl6ng kinh doanh
tr€n co so dq thu,
du chi.
13. Ghi
nhAn
thu
nhflp tir
phi
vdr hoa
hdng dich vu
ciio k€t
qud
hopt
Ngdn

hdng thu
phf
tir c6c dich
vu cung c6p
cho khrich hang. Thu nhAp tir
phf
c6 th6 chia thdnh
c6c nh6m sau:
.
Phf thu
tir viQc cung ciip dich
vqr trong mQt thdi
gian
nhdt illnh: Phi thu tt
vi€c
cung cAp dich
vu trong m6t thoi
gian
nh6t dinh cluo-c dr,r thu trong
su5t thoi
gian
d6.
Phi
ndy
bao
gdm phf
quan
l1i,
phi
nhAn iry th6c,

hoa hOng vd c6c
phi li€n
quan
d6n c6p tfn dung,
qulin
l;f tdi san,
phi quan ly
danh
mqc
vd c6c chi
phi quan
ly cfrng nhu
phi
tu v6n khac.
o
Phi thu
tir vipc cung
cdp
dich vqt
giao
ctlch:
Phi
ph6t
sinh tir
vi6c cldm
phrin
vd tham
gia
cldm
ph6n

c6c
giao
dich
cho
mdt b€n
thir ba,
vi dp
nhu
ddn
x6p
viec mua c6
phAn
hodc
c6c
loai chrlng
kho6n
kh6c
hodc
mua lai doanh
nghiQp
,
duoc
ghi
nhAn khi hoan tAt
giao
dlch
1i6n
quan. Phi
hoac mot
phAn

cira
kho6n
phf
ndy c6
li0n
quan
clt5n viOc thuc
hi€n mOt
cdng
viOc ntrAt
dinh s€
duo-c
ghi
nhAn
khi hodn t6t di6u
kiQn tuong irng.
al .a
\n
n$o\
a'-
O\
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oooo\
(
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O
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t-
FOT-

l'- cO
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t
tn
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t 6
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NgAn hhng
TMCP Sii
Gdn
-
Hn NQi
15. Ti6n
m{t, ving
b4c, tli
quy
Ti6n
mat bdng
\AJD
, ;.
,l
l len
mat Dang ngoal
I9
16. Ti6n
gtti
t4i
Ngdn
hirng Nhh
nu6'c
Ti€n
gtri
thanh
to6n

taiNgAn
hdng
Nhd
nudc
34,712,661,358
505.232.494.164
3v1,212011
\TND
31n2t2010
\"l"lD
293,849,677,377
131,369,301,883
129,658,609,695
72,012,212,000
425,218,979,260
201,670,881,695
31n2t2011
VNI)
31tr2t2010
VND
Ti€n
gui

i
I len
gul
phong
toa
(n6u
co)

kh6c
34,712,661,358
505,232,494,164
17.
Tidn,
ving
gfri
t4i cfc
td chrfrc
tin dgng
khfc
Tiin,
vdng
gu'i
khing
kjt hqn
-
Bdng VND
-l
-
sang ngo?l
te, vang
Tiin,
vdng
giri
cd
k! hqn
-
Bdng
VND

-
Bdng
ngoai t€,
vdng
3111212011
\TND
3111212010
VND
3,j,58,28I,8I8,02
5
3,07
1,501
,520,334
86,'780,297,691
15,686,892,814,830
14,316,410,414,830
1,370,482,400,000
5,972,771,962,939
5,841
,605,487,786
13 1
,l
66
,4',7
5
,1
53
5,663,969,027,778
5,569,309,027,778
94,660,000,000

18,845,174,632,855
11,636,7
40,990,',|17
;it,aSHB
NgAn hhng TMCP Sii Gdn
-
Hn NQi
tr8. Chftng
khoin kinh doanh
Chfi'ng
khodn Ng
-
Chrh'ng
khoan
Clhinh
phu
-
Chung
kho6n No do c6c
TCTD kh6c trong
nu6'c
ph6t
hdnh
-
Chung
kho6n No do c6c
TCKT trong
nudc
ph6t
hdnh

Chftng khorin
Vdn
-
Chirng kho6n
V6n
do c6c
T'CTD kh6c trong
nu6'c
ph6t
hdnh
-
Chirng
kho6n
V5n do c6c
TCKT
trong
nudc
ph6t
hdnh
Chftng khotin
kinh
doanh khtic
Dq
phbng gidm
giri
chftng
khodn kinh doanh
Chrng
khodn Np'
L

-
ua nlem
yet
-
Chua
ni6rn
ytit
Chftng
khorin
Vdn
A.
-
Da
nrem
yel
-
Chua
ni0m
ytlt
Chtrng
khodn
kinh
doanh
khtic:
L
-
ua nlem
yel
-
Chua

ni6m
ytit
31t12t2011
VND
3111212010
\TND
36,129,220,068
36,129,220,068
99,511,870,109
99,511,870,109
(683,472,068)
(18,361,121,268)
17,768,098,800
Thuy6t minh vd
tinh tr4ng
ni6m
y6t
cria
ciic chring
kho:in kinh doanh
3Ul2t201l
VNI)
98,828,398,041
31n2t2010
VND
36,12g,220,068
16 I ?q ))O O6R
99,5I l,87o,I09
9,5
I 1,870,109

90,000,000.000
36,,129,220,068
99,511,870,109
Tftr(#iS}J^IJ-
Ngdn hhng TMCP Sii Gdn
-
Hit
NQi
19. Cdc cdng
cq tiri chinh
phfi
sinh
vir
cfc
tii stin tdri chinh
khfc
T6ng
giri tri
ctta
hErp
d6ng
(theo
ty
gia
ngdy hiQu
ht'c
hqp
f;
aong)
T6ng

gid
rri
ghi
s6
k€ toan
(theo
ty
gia
tqi ngdy
lQp
bdo
cdol
Tai son
C6ng ng
Gid tri
tai
sani
(c6ng,
nrt) rdng
T4i ngiy 3l thring
12 nim 2011
COng cq
TC
phrii
sinh tiin tQ
.; ,^
(rlao
0lcn lq' llall tlen Ie
Giao
dich ho6n dOi

kj'h4n
'Iai
ngil'3l thring
l2
nim
2010
COng
c4 TC
phrii
sinh
tiin tQ
,.: ,"
Ljlao dlcn
Ky nan ilen
te
Giao dlch
ho6n d6i
kj'han
343,538,67r,1
r2
54,944,689,800
398,183,360,912
r
38,56r,862,265
49,902,858,800
188,464,721,065
268,870,285,694
54,440,226.400
323,3l 0,512,09,1
142,11'/

,439,'/95
49,902,858,800
192,020,298,595
(.264.220,677
,395)
(55.054,000,000)
(319,271,677,395)
(139,903,889,r55)
(55,01
6,000,000)
(19,1,919,889,155)
3111212011
VND
4.649,608,299
(6
r
3,773,600)
1,035,834,699
2,21 3,550,640
(5,1
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VND
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VND
27
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107,220,759,OOO
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37,518,036,000
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126,528,711,580
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300,000,000
637,812,000
408,080,000
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