ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 4 năm 2012 td bảng cân đối kế toán

Chi tieu
A. TAI SAN
HANG
CO PH
A

NO)
I Tien mat, yang bac, da quf
II Tien gal tai NHNN
III Tien, yang gal tai cac TCTD khac irk cho vay cac TCTD kluic
1 Tien, yang gui tai the TCTD khac
2 Cho vay cac TCTD kHz
3 Dv pi
-
long nii ro cho vay cac TCTD khdc
IV Ching khoan kinh doanh
I Chting khoan kinh doanh
2 Dv phOng giam gid cluing khoan kinh doanh
V Cac ding cy tai chinh phai sink via cac tai san tai chinh khac
VI Cho vay kWh hang
1 Cho vay Ichach hang
2 Dv phOng nil ro cho vay khdch hang
VII Chi•ng khoan dAu fir
Cluing khoan
au
tu san sang
a
ban
hUng khoan dau tu gift
an
ngay dao han

phOng giam gift chting khoan
au tu
p v6n, dau tie dki han
au hr vao cling ty con
Von Op lien doanh
3 Dau tu vao cling ty lien ket
4 Dau ttr dai han khac
5 Dv phong giam gia dau to clai han
IX TM san cO dinh
1 Tai sari
c6
dinh hftu hinh
a
Nguyen gid TSCD him hinh
b
Hao mon TSCD hi& hinh
2 Ili san co dinh thue tai chinh
a
Nguyen gib TSCD
b
Hao man TSCD
3 Tai sin c6 dinh vo hinh
a
Nguyen gid TSCD v6 hinh
b
Hao mon TSCD va hinh
X BAt Ong san dau
a Nguyen gia BDSDT
b Hao mon BDSDT
XI TM san CO khfic

I Cac khoan phai thu
2 Cdc khoan lai, phi phai thu
3 Tai san thue TNDN !loan lai
4 Tai san C6 khac
- Trong do: LO the durcmg mcei
5 Cac khoan dv phOng rill ro cho cac tai san CO nOi bang khac
TONG TAI SAN CO
fib
SHB
NGAN HANG THHONG MAI CO PHAN SAI CON - HA NQI
77 Tian Hung Dao - Quart Hoan Kiem - Ha Ned
Tel: 04.39423388

Fax: 04.39410942
Bao cao tai chinh hop nhAt
Quy IV nam 2012
Mau
st:
Q-Ola
TD - BANG CAN DOI ICE TOAN
Ma chi Thuyet
tieu

mink
SO cuOi ky
Dan vi tinh VND
So dAu nam
110
15
484,886,843,676

425,218,979,260
120
16
2,789,224,639,025
35,111,525,637
130
17
30,139,871,588,327
18,845,174,632,855
131
21,274,231,748,327
1
8,845,174,632,855
132
8,890,044,000,000
139
(24,404,160,000)
140
18
13,387,278,997
17,804,172,427
141
40,564,341,662
36,165,293,695
149
(27,177,062,665)
(18,361,121,268)
150
19
5,846,612,060

4,035,834,699
160
55,561,871,885,360
28,806,884,090,215
161
20
56,813,367,696,884
29,161,850,639,905
169
21
(1,251,495,811,524)
(354,966,549,690)
170
22
12,699,275,940,349
15,097,394,499,737
171
7,964,233,915,704
12,501,240,153,537
172
4,744,905,807,961
2,610,840,000,000
179
(9,863,783,316)
(14,685,653,800)
210
23
430,968,582,103
333,313,240,893
211

212
69,484,434,182
213
214
365,841,525,375
334,289,000,000
219
(4,357,377,454)
(975,759,107)
220
3,879,972,204,233
2,254,982,825,323
221
24
392,977,999,428
167,781,341,002
222
694,442,224,601
252,783,546,659
223
(301,464,225,173)
(85,002,205,657)
224
225
226
227
25
3,486,994,204,805
2,087,201,484,321
228

3,575,829,138,298
2,106,146,460,886
229
(88,834,933,493)
(18,944,976,565)
240
68,055,213,521
241
68,055,213,521
241
250
26
11,495,859,029,594
5,169,621,880,976
251
2,685,858,927,108
2,599,670,439,052
252
4,538,534,628,305
1,645,443,688,789
253
109,916,033
254
255
4,271,355,558,148
924,614,419,802
259
(106,666,667)
300
117,569,219,817,245

70,989,541,682,022
/
VA Toan Tnretngik
z
-
Ninh Tlrflan Phtrong
Ngay0.1 thong atnam 2013
8ng Clam Dtic
k
,
THIMIIIS MAI Co'PHA
SAi SoN•
HA Nth
5
04

4,
A-4

setc"
-
m
, •ce •
guyin Van Le
Llp bleu
Le Thai Ha
Chi Diu
B NQ PHAI TRA VA VON CHU SO HMI
I Cac khoan nq Chinh phi) va NHNN
II Tien gvi vA

vay cua
cat TCTD khac
I Tien gin cua cac TCTD khdc
2 Vay the TCTD khdc
III Tien girl cfia khach hang
IV Cac Ong cu tAi chinh phai sinh va cac khoan my tai chinh khac
V Von tAi try, uy that den fir, cho vay ma TCTD phai chju rfii ro
VI Phat Minh gigy ttr c6 gia
VII Cac khoan Nq khAc
I Cac khoan lai, phi phai tra
2 Thue TNDN hoan lai phai tra
3 Cac khoan phai tra va ceing nq khac
4 Dv phong rai ro khac
Ten Ng phhi tra
VIII Vim va cac quy
1 Von TCTD
a Van &au le
b
Van clan lu XDCB
•
Thang du van ca phan
d Ca
phiau quit
e
Ca
'Attu tru dill
g
Van khac
2 Qu
-

TCTD
3

lech ty gia hOi dodi
lech danh gid lai tai son
, "en chtra phan ph6i
qt telt caa c6 tong thieu se
r.
PHAI MIA VA VON
nit
SO
MTh
CA

LIEU
NGOAI BANG
I
Nghla vu nyr tiem An
I Bao lanh vay
2 Cam ket trong nghiep vv L/C
3 Me lanh khAc
MA chi Thuyet
tieu

minh
SO cutg ky
SO tteu nam
310
27
2,184,953,736,805

320
28
21,777,251,159,172
15,909,083,396,910
321
15,505,603,159,172
15,909,083,396,910
322
6,271,648,000,000
330
29
77,598,519,536,959
34,785,613,630,406
340
19
350
30
385,245,424,157
226,386,012,419
360
4,370,388,535,054
11,205,239,761,180
370
3,930,220,756,141
847,397,126,601
371
1,944,532,394,719
523,415,242,465
372
373

31
1,889,367,205,998
297,666,941,952
379
31
96,321,155,424
26,314,942,184
400
108,061,625,411,483
65,158,673,664,321
500
32
9,504,833,556,313
5,830,868,017,701
410
8,962,251,608,400
4,908,535,898,400
411
8,865,795,470,000
4,815,795,470,000
412
413
101,715,710,000
98,000,000,000
414
(5,259,571,600)
(5,259,571,600)
415
416
420

517,724,491,381
278,109,196,443
430
8,588,742
8,588,743
440
450
24,848,867,790
644,214,334,115
700
32
2,760,849,449
800
117,569,219,817,245
70,989,541,682,022
910
41
5,287,168,458,408
3,208,805,978,726
911
35,554,000,000
912
336,437,333,181
538,227,852,678
913
4,915,177,125,227
2,670,578,126,048
J
I
z

"J!i,;-
-
r O
1*;'
o
::l D'
lf,q
l
3"
z
't"s|F,
S5
E
rT
$go:H
6P-titi
Y=
H
€Q
H
'B'o
W
=t;-
nrA,
?Tz
i G\r
Hl
-
:'>.
?oz

E
z.O,
Ncli-
o
rl
I
n
i
'l
z
n
z
z
I
c
7
D'I
3<
z
p
N
z
Dr
p
3
,oF
Arx
tr
:'
E

<!v
H"
?g'
aEs.
ots6
f x=
x=
pr
.q
D>'
-
<r
on
E,
!9t
Gxl
a
.S.
tr\
o>. i'

:_
z
tJ
b.J
z
D(
bJ
xxl,/- xG-JXX
;

r4
-
F
F l.rn^-t r^
a
-
/t
-i
t-
-
-l
t-
F F
F
A
-
-l
^
-j
p:.e.'!.
Y
j j
E;,=
gs.
=
i
t
=
g
t t t t

=
g
I
*
=
1
I
+
EEEP E
+
1E
=
5,B
z
5'1,=,
l,E _=
+
E
=
li: i
=
e
-
I
g
€ 1
i
E
$
i E

r i"s"$
i E E
-
i
3' ::'E
=
22'='
=.
E
+
or
i.
.5
6 ?.
=.
!. 2.
.6
d
;
r,
Pl
a
5
3
=uu+,r
i
i"9'€'
iE'l I ;
I
lE

I
3
T ;
:"#
E">==E.!.
i,e.* 5, 1
=
S
E 5
.g
I
=
?
="9
F.
=.=
.Ei.E;;i:I'r
F;Hfrgs;;**
e-3
E'F'11;ei3i
:F- ftTF-FE?
la
o
=:.H'6\i'
6^
+-i"iiE
5F
gega
€
€i

:
fi*E:
il.
E-3; 3+
3,
=
=
=
5 5
P
="e)
5
3
3'3'+
;
3
B'j.56 .3
=
E'a-g
oo
=.
.=
irST
a.
E
9:'
'1
s
-
s

*
s^
-
3
I
!,,
*.
c
's
.D
a,
s
{
!
5
!.
$
\
\
!\
5,
!
).
s
{
I
$
X
-
.D)

r.JNhJtJ r OO-OOOOCO
(,
['J
-
O\OCp{
O\
(,r
&
(,
b.J
-
O
\g
0o
{ O\
q
A
(,
N)
-
€{
tr(,
o\
ul AA
?r
\
3\
x
\\ o).
\si

\-
{-\s\ ;
r s\x
r1:'
p-\
s.\
Si
I-\
\
k aEg
a.s.$FrFHEr!'6"d
,'t
+
tF
3s
5hi'='S Q dE
tu'u'oio
o'c
AF
t 5ld ao\aoai-:i:ES8SG8
l}"x
x:$'F
"ririj
sii"uFF'h
Ecia
r x
'ao
\'
-'O
$

a''^
:-
"^'"-
N
N'e'U,
"p'a
ii'.s'O
5* *=g;
xSFX{EsSSdssES
i
f ) n-,
.,J
.,
^"X
-*;i
BS SEgE 5-d-l.qI
\-3;S8
;s
s"ahH
ii?;E"ug;e&dBss\:
co
(/j
UJF N 5
;-I-o\9
i^9=
F3a)o
jrJ9Jr'
;r.lJ
'o'\o
'.oio

\g'.o
-r
I
-ta
u
o
E'a

-
@
c c>
-
r
UJ 5 +'6
Ut 5'
r
\O
Ul
-
a
c ;:
Ul
-J
q
P N
a
Oi
€
6 m-I O\
5 Ul

P
O O\ O, :
b P
(,J
5 { O\ O\ }.J
no i.
'
"F"o.
\ L
fu
"tr
fu
lr
''o
I 5le b
ie
io
-"o
"u'n'
E=
gSsA
83iSffi-=9S33;E.i
b.Jruo\
UrUt
ir
€
\or
1 )\"o\
hJ b.JUr* Or()sorr(,(,tcuou(A
O\

{ Ur
(/J
\O
-
-J
uJ
!
O\
(,
A 5
u
\O
}
u
6
io
u,
u
ia ia
'-
\
'\o 'ur
".o
L
-tJ
'tr
\
'-
"a
-u

'\o
-a
"F
\O
\O
.O
€ Ul
(,
-l
\9
b.J O' 6
Ul
19
Ur,gO
I
a \t
{ 5
io
oir(, €04-Nla-lo\CIua{o{\t
L'ca
rj "\o
\ \
n'o\
b
\
io'iJ
L
\
t-n
"ta'o'-

"co
Y.o
{
H
*\o
t.Jr tJ
B \o
a 5o\ o\ N
ti
}J
o\
tJ5
oo
ut ut
uB
F
l.J crr
\o \o
€ 6
-l
\o
r
ao
u u
E
NJ
A
"@ 'rJ
,
-lJ'-

'i,
"5
'1,1
ir i,
''o
ie b
'.s. '\o
irr
j.J
\ b.'6
-N
I'J
\O
\O
r B
t.)
(,
\C
O\
a \O
qJ
bJ
\O
O
-
N) A 5
\O
_t
O Oe O-l
e

-J
-
O
.E
b.J lJ
(,t
O\
\O
u
AF
tJ
iHq{
{ l.J
p-o
-'-
SS
53=S
3.d-i.y;jg;3SSr=
"r3
E
"sr-s"G
Ei:'b"s'8
H
Eihe
K"s
s a
E
"l
'3i
"3

d
"3
€;"3";"€"s":";":
i"3
U";
lx
NHBr
BHXSSg-Id;ioSi3
\'.o
,
".oh
"r'-
'(, ".o "(,'-
A
R E
b i.
"NJ
b
i\
\
-F
;g BAES
et\!&g:ri833gAS
$
s
tJ
N'
f
N
I o)\

E-\id
!,
tN
zi Jr
F* /3
*v3l
'a
:F'
.6}
(:>,
z.
ti,

-O>
@ffiSHS
NGAN HANG TNICP SAI GON
- HA
NQI
77
Trdn
Hung Dao
-
Qudn
Hoirn Ki€m
- Ha NOi
Tel:04.39423388
Fax:01.39410942
Bdo c6o tdi chinh hgp nhflt
Quj
IV nIm 2012

N{iu
s6:
Q-03a
TD
- BAo CAO
LUU CHUYEN
TIEN
TE
-
PPTT.
QUf
ft'u.116i
t niinh,r,r'l
I
I
2
3
LU'tr cHrrYEN
TrtN TtlHOAT
DQNG KINH
DOANH
Thu nhflp
ldi vd c6c khodn thu
nhdp tuong tq
nhfln
dugc
0l
Chi
phi
lai

vir
cdc chi
phi
tuong tg cl6 tra
Thu nh{p tir
hopt dQng dich
vu nhdn duoc
02
03
I 3.669.023.1 04.780
(13,633.467
.354,728)
I
54,1 83,538,506
20.648,697,065
290"470,327,685
3,120,076.001
(2,182,337
,925,37
6)
(299
,882
,7
61
.605)
(1,978,242,297
,672)
(23,262,622,798,648)
(3,s67
,025 ,97

0,620)
(r,8t0"717,361)
(27
.65r.5r1
,056.979)
(3,460,27
4.7 43,438)
(2,
I 84.953,736,805)
5,909,8
14,894.302
42.812,90s,906.553
(6,834.85r.226,126)
158.859.41 1,738
2,679,598,67),701
(17,380,119,715,355)
(2,084,750,1
r4,r95)
538,182,667,679
(68,055,213,521)
(
l
0
1,036,959,557)
rr,998,619,397
(1,703,661,000,1
97)
7
.062.358.564.629
(6.080,3

49,799.3
3 9
)
218.447,8 16.825
46,635,976,015
73,990,924.688
1.258.8'13.457
(1,07
6,649.329.218\
(2s9,256.442,s32)
(13,563,445,475)
(2,5
3 6,440,000.007)
55.418.968,760
(4,035.834,699)
(4,832.58
1,402.349)
(739.000.000)
(1,277.018,686"1
r2)
1,281,237
,585,993
2,637
,544,57
6.966
9,1
5
1.969,1
36,3 1 9
6,812^064.502,443

(154,012.229,238)
(2"899,590,560)
289,3t1,629,747
I 1,406,256,21 1
,788
('7
5.463,448.251)
181.818.r82
(
1
6,900,000.000)
9,229,096,900
(82,952,533,1
69)
,
r.
Luu
chur'On tidn
thuAn tir
ho4t tlQng
kinh doanh
tru6'c
nhfr'ne
OO
.{(.\
thav
d6i
rA
thi san
vir v6n

luu
dOng
trtruCY\
Nhtng
thav ddi
vi trii snn host
dpng
CO'pnih)])i
9
tTansr/Gidm
c6c
khodn ti€n"
vang
gui vd
cho
vay c6c
TCTD kh6c
l0
,
Chdnh
lfch sd ti€n thuc
thu/thuc chi tu
hoat dQng
kinh doanh chung
^,
+
-u4
Knoan.
vang
Dac.

ngoal te
5
Thu nh{p kh6c
05
.
Tidn
thu cdc khoan
no dd duoc
xu ly xoa-
bn dap bdng
ngudn dy
^,
6
"-"
UO
"
phdng
nii ro
7 Ti€n chi tre cho
nh6n vi€n
vd hoat dQng
quan l;i, cdng
vq
(*)
07
8 TiOn thu6
thu
nh{p thgc nQp
trong kj'(*)
08

O"'/U/
l0
rTang)/Giam
c6c khodLn vc
kinh doanh chfng
khodn
l l
w
,,
(TanSVGiam
c6c cdng cu tdi
chinh
ph6i sinh vd c6c tdi sdn tdi chinh
-l,
12
flang)/Girim
c6c
khoan cho vay
kh6ch hang
13
,,
(Tan8)/C.iam.:Cy6"
ju
phong
dd bn dip
ton th6t cac
khoan
(tin,o
oqng.
cnung Knoan. oau tu

dai hanl
14
(Tang)/Gi6mkh6cv€tdisanhogtdQng
15
Nhftng
thoy al6i vi c6ng nq
hogt ilQng
I 5 Tang/(Gidm)
c6c khoan ns Chinh
phi
vd
NHNN
16
16
Tang/(Gidm)
c6c khoin tiAn
gui.
tien
vay
cac
TCTD
17
17 Tang/(Gidm) tiAn
giri
cira
kh6ch hang
(bao g6m
ca KBNN)
18
,*

Tang/tGidm)
phdt hanh gi6y td c6
gi6
(ngo4i
trn
giAy
td c6
gi6 ph6,
t9
'"
hdnh dugc
tinh vao hoat d6ng tai chinh)
,n
Tdng(Giim)
v6n
tdi
trg, ui th6c dAu tu,
cho vay mir TCTD chiu
rii
,O
,n
TdnB(GiAml cdc c6ng cu
tdi chinh
ph6i sinh vd cdc
khoan nO tdi
,,
-"
chinh khdc
2 1
Tang(Gi6rn)

khdc
vO c6ng ng
ho4t dQng
22
ChitlD c6c
qu!
ciaTCTD
(*)
Luu
chuy6n tidn
thuAn tir
ho4t tlQng
kinh doanh
II
Lrr'r] CHUYEN
TrEN
TUHOAT
DQNG
DAtl rtl
I Mua s6m tdi sdn
cO dinh
25
2 Ti€n thu
fu thanh
l1i, nhuqng ban
TSCD
26
3 TiAn chi tir thanh
l1f, nhuqng ban
TSCD

(x)
27
4
Mua s6m
bAt dQng san dAu
tu
(*)
28
5 Ti6n thu
tu b6n, thanh
ly U6t Aqng san dAu
ru
29
6 Ti6n chi
ra
do ban,
thanh
l1t
b6t
d6ng san
dAu tu
(x)
30
7 TiAn chi dAu tu,
g6p
vdn viro
c6c don vi
kh6c
3
I

8 TiAn thu ddu
tu,
g6p v6n vdo c6c don
v! kh6c
32
o
TiAn thu c6 tric
vd
loi nhufn
dugc chia ttr
c6c khodn dAu
tu,
S6P
v6n
,,
'
ddi han
22
23
24
Luu chuy6n tidn
thuAn tir
ho4t tlQng tlAu tu
ngayat thong 0j,nam 2013
Ong Giam dgc
* THONG
MAI CLIPHAI
SAl GUN-HA
NoI
4,

04
,
'Tr
,
e •
Nguyin Van Le
\
2,602
Co
.
N
.
-0
C.
gip bieu

/
0-
5
1(e than trvdng
1

Le Thcii Hez

Ninh Tin Lan Phirong
III LIFE CHUVEN TIEN TO HOAT HONG TAI CHINH
1 Tang v6n c6 phan tOr pp v6n vanioac phat Minh c6 phi&

35
2 Tien thu ter phat hanh giAy t6 ce gia dfri hp c6 dir dieu kien tlnh

vao v6n c6 va cac khoan von vay dai han khan

36
3 Tien chi thanh town giay tb co gid dli han co cld dieu kien tinh vao
v6n 11I c6 va cac khoan

vay dai han khac

37
4 Co me trd cho GO &mg, Iqi nhudn da chia (*)

38
5 Tien chi ra mua co phi& ngan qu (*)

39
6 Tien thu Mop do ban c6 phi& ngan qug,

40
Lvu chuyen tien than fir hoot dOng Chi chinh

41
IV Lim chuyen tien thugn trong ky

42
V Tien
we
ac khofin twang throng tien MI thtri diem deli kji

43
VI Dieu chlnh anh Mang cda that'


ty gig

44
VII Tien va ac khan Wong throng tien tai ChM diem cu6i Ity

45
4,056,005,640,000
(262,997,629,820)
3,793,008,010,180
(15,290,772,705,372)
20,213,490,554,419
4,922,717,849,047
0
(611,882,907,450)
0
(611,882,907,450)
10,711,420,771469
9,502,069,783,250
20,213,490,554,419

2
THUYET MINH BAO CAO
TAI CHINH MR NHAT
Cho Quy IV neim 2012
11SHB
Ngfin hang TMCP Sii Gan — Ha Ned
THUYET MINH BAO CAO TAI CHINH HOP NHAT
QI:TY IV 2012
1. Thong tin ve ngfin hang

GiAy pile!) host &Ong
0041-NH/GP ngay 13 thang 11 nam 1993
Giay phop hoat dung do Ngan hang Nha. nuot Viet Nam cap
Thai han hoat do, ng cua Ngan hang la 40 narn 1(6 tit ngay cap giay phdp
dau tien.
HOi doing Quan tri
Ong Do Quang Hien
Ong Nguyen Van Le
Ong Trait Ngoc Linh
Ong Pham Hang Thai
Ong Pham Noe Tuan
Ba Dam Ngoc Bich
Ong Le Quang Thung
Ban kiem suit
Ong Pham Hem Binh
Ong Nguyen Him Dire
BA Hoang Thi Minh
Ong Biti Thanh Tam
Ban TOng Giam dtoc
Ong Nguyen Van Le
Ong Dang Trung Dung
Ong BM Tin Nghi
Ong Le Wang Khoa
Pham Van Thang
NO Thu HA
Ninh Thi Lan Phtrong
Ding To Loan
Chit tich
Uy vien
Uy vien

Uy vien
Uy vien
Uy vien
Thanh vien do
, e lap
Thanh vien
Thanh vien
Thanh vien
Thanh vien
Tang Giam die
Ph6 Tang Giam doe
PIM Tang Giam doc
Ph6 Tang Giam die
Ph6 Tang Giam d6c
Ph6 Tang Giant dric
Ph6 Tang Giam doc
kiem ka toan tnrang
Ph6 Tang Giant dac
Tai bo nhiem ngay 05 thang 5 nam 2012
Tai ba nhiem ngay 05 thang 5 nam 2012
Tai b6 nhiem ngay 05 thang 5 nom 2012
B6 nhiem ngay 05 thang 5 nam 2012
Ba nhiem ngay 05 thang 05 Mtn 2012
BO nhiem ngay 05 thang 05 Mm 2012
B6 nhiem ngay 05 thang 05 nam 2012
Tai ba nhiem ngay 05 thang 05 nam 2012
Tai ba nhiem ngay 05 thang 05 nam 2012
B6 nhiem ngay 05 thang 05 nam 2012
Tai ba nhiem ngay 05 than 5 nam 2012
Tai 1)6 nhiem ngay 21 thang 5 nam 2010

B6 nhiem ngay 01 thong 9 nam 2006
Ba nhiem ngay 05 thang 6 nam 2007
Ba nhiem ngay 10 thang 4 nam 2009
Ba nhiem ngay 01 thang 11 nom 2010
Ba nhiem ngay 15 thang 3 nam 2011
Ba nhiem ngay 08 thang 06 nam 2012
B6 nhiem ngay 9 thang 10 nam 2012
Try sa chinh

So 77 - Tian Hung Dao - Q.Hoan Kiem - TP.Ha NOi - Viet Nam
2. D4c dint hog Ong ciia to chfrc tin dung
Ngan hang Thuong mai Co phan Sai Gan - Ha N'ai (clued day goi tat la "Ngan hang") la met
ngan hang thuong mai ca phan Viet Nam thanh lap tai nu& COng hem Xa hed Chit nghia Viet Nam
\red thed gian Float do, ng la 40 nam theo 0041-N13/GP ngdy 13 thang 11 nam 1993 cna Ngan hang
SI SHB
Ngfin hang TMCP Shi Con — HA NOi
Nha nuac Viet Nam. Ngay 28/08/2012 Ngan hang TMCP Nha Ha NOi (Ten viet tAt: HBB) chinh
thdc sap nhap vao Ngan hang TMCP Sai Gen — Ha Nei (Ten viet tAt : SHB) theo QD 1559/QD —
NI-INN, vi vay se lieu thuyet minh cho ky nay la s6 lieu hop /That SHB, HBB cii, va 2 ding ty con
(s6 lieu chua kiem toan), se lieu thuyet minh cho IcY tnrac la se lieu cua SHB va AMC.
Van dieu le dm Ngan hang tai ngay 31/12/2012 la 8,865,795,470,000 ding (Tam nghin tam
tram sau lam ty bay tram chin lam trieu ben tram bay muai nghin ding).
HOi so chinh cua Ngan hang dat tai Se 77 - TrAn Hung Dao - Q.Hoan Kiem - Ha NOi - Viet Nam.
Tai ngay 31/12/2012, Ngan hang ce. 4996 nhan vien (DAu nam 2012: 2840 nhan vien) .
3.
T6m tit cac chinh sach ke Man chit yeu
Chugn myc Ira the d6 ke toan gp dung
Ngan hang trinh bay cac bao cao tai chinh bang ding Viet Nam (VND) theo Luat cac To chdc
Tin dung, Luat sira dei va be sung met se dieu trong Luat cac To chirc Tin dung, cac ehifen mire ke
toan Viet Nam va He thong IC'e toan cac to chirc tin dung Viet Nam.

Ky bao cao va dun vi tien to
Ky bao eau cna Ngan hang b'At dAu tir ngay 01/10/2012 va ket thfic vao ngay 31/12/2012 Don
vi tien to sir dung trong ghi chep ke toan
la
clang Viet Nam (VND).
4.
Nguyen the ghi nhg'n cac nghiep vu Wing ngoai to va quy dei
Theo he thong ke toan elm Ngan hang, tAt ca cac nghiep vu phat sinh elm Ngan hang dirge hach
toan theo nguyen te. Tai thei diem cuei nam, tai san va cong ng co nguen gee ngoai to dugc quy
do' i sang VND theo ty gia quy dinh vao ngay lap bang can del ke toan. Cae khoan thu nhap va chi
phi Wang ngoai to cua Ngan hang dirge hach toan bang VND theo ty gia vao ngay phat sinh th8ng
qua giao dich mua ban ngoai te. Chenh lech ty gia do dank gia lai cac tai khoan kinh doanh ngoai te
dirge hach toan vao bao cao Ket qua Hoat thing Kinh doanh va loi nhuan a lai. Chenh lech ty gia
phat sinh do quy dei cac tai san va ding ng khac bang ngoai te sang VND dirge xir ly vao doanh se
cua cac khoan muc tuang img tren bang can del ke than vao ngay lap bao cao tai chinh.
5.
Chling khogn dau to gift den nggy dtio han
Chung khoan ng gilt den ngay dao han la cac chimg khoan co ky han co dinh va cac khoan
thanh toan co dinh hoac c6 the xac dinh dirge va Ban Tang Giam dee coy dinh va co kha nang giu
den ngay dao han. Ngan hang dang ghi nhan cac chung khoan nay theo gia gee cong lai du thu trir
lai cher phan be. Gia tri ph9 telt hoac chi& khAu (neu c6) cling dirge phan anh vao gia tri ghi so elm
khoan Mu tu. Lai dirge du thu hoac phan be theo phuong phap duang thAng. Chang khoan dune
gilt den khi dao han se dirge xem xet ve kha nang giam gia. Cluing khoan dirge lap du phOng giam
gia khi gia tri thi truang nh6 han gia tri ghi se. Du ph6ng giam gia dirge ghi nhan vao bao cao ket
qua hoat Tang kinh doanh.
2
M SHB
Ngfin hang TMCP Shi Gen — HA Ni
a
6.

Chuang khoan dau to sin sing
a
ban
Chimg khoan dau tu san sang
a
ban la cac chimg khoan dugc gift trong tiled gian Ichang An
dinh track, co the
dugc
ban de" dap Ung nhu can thanh khoan hoac de (mg phe voi true:11g hop thay
dal lai suAt, ti gia, hoac gia tri chung khoan. Ngan hang dang ghi nhan cac chimg khoan nay theo
gia got cOng lai du thu trir lai ch6 phan ba. Gia tri phy trai hoac chi& khan (nau co) ding dugc
phan anh vao gia tri ghi s6 cua khoan dAu tu. L2i dugc du thu hoac phan b6 theo phuong phap
dirong thang. Cac chimg khoan nay dugc danh gia dinh kSr theo gia tri thi truang va dy phOng giam
gia tri se dugc lap khi gia tri thi truamg nho han gia tri ghi s6. Du phOng giam gia dugc ghi nhAn
vao bao cap kat qua hoat Ong kinh doanh.
7.
Ching khoan kinh doanh
Chimg khoan kinh doanh la chimg khoan ban Mu &Tot mua va nam gift cho mac dich kinh
doanh trong ngan han hoac nen Ban Tang Giarn Mc guy& dinh nhu vay. Ngan hang dang ghi nhan
cac chung khoan nay theo gia gac vao ngay giao dich. Trong cac k5r tip theo, cac chimg khoan tiap
tyc dugc ghi nhan theo gia gac. Tuy nhien, gid tri thi truang cua cac chimg khoan van dirgc Ngan
hang theo

de" danh gia va kha nang giam gia khi gia tri thi truamg thAp hem gia g6c. Ngoai tit
truong hop khong the xac dinh gia tri thi truang mat cach chac chan thi gia tri cua chung duvc tinh
dip teen nguyen gia sau khi tit di Mn thAt uot tinh (nen c6). Lai hoac la tir kinh doanh chung
khoan dugc ghi nhan tren bao cao kat qua hoat Ong kinh doanh theo s6 thuAn.
8.
Cic khoin cho vay
Cac khoan cho vay ngAn han co kST han &raj 1 nam; cac khoan cho vay va cho thue tai chinh

trung han co ky han tir 1 nam den 5 nam va cac khoan cho vay va cho thue tai chinh dai han co kST
han tran 5 nam 14 to ngay giai ngan.
Viec phan loai ng va lap du phOng rui ro tin dung dugc thyc hien theo Quyat dinh s6
493/2005/QD-NIINN ngay 22 thang 4 nam 2005 va Quyat dinh so 18/2007/QD-NHNN ngay 25
thang 4 nam 2007 cip Thong Mc Ngan hang Nha nude Viet Nam. Cac khoan cho vay ducc phan
thanh nam nhem ng can cu vao tinh hinh tra ng va cac
y6u t6
dinh tinh nhu sau:
Nhom 1: Na chi tleu chucin
•
Cac khoan ng trong han ma Ngan hang danh gia la co du kha nang thu hai day du ca
gem va lai dung thin han;
•
Cac khoan ng qua han duei 10 ngay va Ngan hang danh gia la co kha !rang thu hoi
day du g6c va lai bi qua han va thu hai day du gac va Lai dting thin han con lai;
Nhom 2: My can chti
.
3
1
)
•
Cac khoan ng qua han It 10 ngay
an
90 ngay;
•
Cac khoan ng diau chinh kSrhari tra ng Fan
Mu;
3
SHI3
Ngan hang TMCP Ski Con — HA NO

•
Cac khoan ng ca cau 141 than han tra ng trong han theo thtri han dirge ca cau lai.
Nhom 3.• Na duoi tieu chudn
•
Cac khoan ng qua han to 91 den 180 ngay;
•
Cdc khoan no ca eau lai than han tra ng Mn dau, trir cac khoan no dieu chinh ky han
tra ng Mn au phan loai vao nh6m 2;
•
Cac khoan no dugc mien hoac giam tai do khach hang khong du kha rang tra lai day
E theo hap deng tin clang;
Nhom 4• Na nghi ngo
.

•
Cac khoan ng qua han to 181 an 360 ngay;
•
Ck khoan ng ca cam lai thai han tra ng lan au qua han duoi 90 ngay theo thai han
tra no duct ca cam lai Fan au;
•
Cac khoan ng ca eau lai thai han tra ng lan thu hai;
Nhom 5: Na co khci ming mit von
•
Ck khoan ng qua han tren 360 ngay;
•
Cac khoan ng ca eau lai thai han tra ng lan dau qua han
-
dr 90 ngay tra len theo thai
han tra
ng

dugc ca cam lai lan au;
•
Cac khoan no ca eau lai thai han tra ng lan thd hai qua han theo thai han tra ng
dugc co cau lai Fan titer hai;
•
Cac khoan no ca cam lai thai han tra no Mn thu ba Ira len, ke ca chua bi qua han
hoac da qua han;
•
Cac khoan ng khoanh, ng ch6 xir ly;
Theo Quyet dinh se) 493/2005/QD-NI-INN ngay 22 thang 4 n'a'm 2005 va. Quyet dinh se
18/2007/QD-NHNN ngay 25 thang 4 tram 2007, doi veri cac khoan ng qua han,
to
chirc tin clang
phdn loai lai vao nhem ng c6 rili ro thap han khi Ngan hang danh gia la c6 du kha nang thu hei day
dir ca g6c va lAi; va khach hang co tai lieu, he sa chimg minh cac nguyen than lam khoan ng nay
qua han dirge xi: 19, khac phac. Ngan hang chii dOng to guy& dinh phan loai cac khoan ng vao cac
nhom no run ro cao han tuong img voi mire do rin ro khi xay ra met trong cac throng hop sau day:
•
Khn cat nhang dien !nen bat lai tix tac dOng tieu cam den mei truang kinh doanh va
linh vac kinh doanh;
•
Cac chi tieu tai chinh cua khach hang hok kha nAng tra ng cha khach hang bi suy giam;
•
Kliach hang khong cung cap cho Ngan hang cac thong tin tai chinh kip thai, day du
va chinh xac
a
Ngan hang danh gia kha nAng tra ng tha khach hang.
Dv phong rid ro tin dung: Vic tinh du phong ca the
dugc
can cir tren cac ty le ap dung cho

tung nhOm
ng
nhu sau:
4
SHB
Ngfin hang TMCP Ski Gen — Ha Ni)i
Nhem

Losi

Ty
lc dv phon
1

Na du tieu chuan

0%
2

Ng can chi
2

5%
3

No &PM tieu chuan

20%
4


Ng nghi ngei

50%
5

Na co kha nang mat von

100%
9. TM san co dinh
TM san c8 dinh
dugc
the hien theo nguyen gia trir di khAu hao lily ke. Nguyen gia bao dim
toan 130 cac chi phi ma Ngan hang plth b6 ra
a
co dugc tai san co dinh tinh den thai diem dua tai
san do vao trang thai san sang sir dung. Tai san co dinh
dugc
tinh khAu hao theo phucmg phap
&rang thing de tri clan nguyen gia tai san trong su8t thai gian him dung vac tinh nhu sau:
-
Nha cira, vat kien trim

10 - 25 nam
- May mac, thief bi

03 - 05 nam
-
Phuang tien 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 thing phu hop vOi GiAy chimg
nhan quyen sir dung dat. Quyen sir dung dAt vo thai han dugc ghi nhan theo gia gee va khong tinh
khAu hao.
10.
Tien va cac khoin twang throng tan
Tien va cac khoan tuong ducmg tien bao gem tien mat, yang, dd quY, tien giri thanh toan tai
NHNN, tin phieu Chinh phu va cac gia
c
y to co gia ngan ban du dieu kien chi& khAu veri NHNN, cac
khoan tien gui thanh toan va tien gui, cho vay tai cac to chic tin dung khk co tiled han dao han
khong qua 3 thing ke tir ngdy
11.
Cie cling en tai chinh phai sinh
Cac cong cu tai chinh phai sinh dirge ghi nhan tren bang can d
l
oi ice toan theo gia tri hop dang
vacs ngay giao dich, va sau do dugc donh gia lai theo gia tri hop 12. Lai nhuan hoc 18 khi cac cong
cu tai chinh phai sinh dugc thirc hien dugc ghi nhan trong bao cao lc& qua haat deng kinh doanh.
Lai nhuan hoc 18 chua thirc hien dugc ghi nhan vao khoan muc chenh lech danh gia lai cac ding
cu tai chinh phai sinh teen bang can crai ke toan va dugc lc& chuyen vao kat qua hoat deng kinh
doanh vao thai diem cuiii nam.
5
SHB
NgAn hang TMCP Ski Gon — HA N6i
12.
Ghi nhAn thu nhAp/ chi phi lai
Ngan hang ghi nhan thu nhap to lai va chi phi lai tren bao cao ket qua host deng kinh doanh

tren co se
.
du thu, du chi.
13.
Ghi 0hAn thu nhAp tir phi Ira hoa hang dich
vy
Ngan hang thu phi to cac dich vu cung cap cho khach hang. Thu nhap tir phi có the chia thanh
cac nhOm sau:
•
Phi thu tie viec cung cap dick vu trong mot thiri gian nhiit dinh:
Phi thu tir viec
cung cap dich vu trong met then gian nhat dinh duqc du thu trong suet theri gian do. Phi nay
bao gam phi quan ly, phi nhan uy thac, hoa hang va cac phi lien quan den cap tin dung,
quan 19 tai san, phi quan 19 danh mac va cac chi phi plan ly cling nhu phi to van khac.
•
Phi thu tir viec cung cap click vy giao dich:
Phi phat sinh to viec dam phan va tham
gia dam phan cac giao dich cho met ben thir ba, vi du nhu clan xap viec mua co phan hoac
cac loaf chung khoan khac hoac mua lai doanh nghiep , duqc ghi nhan khi hoan tat giao
dich lien quan. Phi hoac met phan cua khoan phi nay có lien quan den viec thyc hien met
cling viec nhat dinh se dirge ghi nhan khi hoan tat dieu kien tuong
6
SHB
Ngfin hang TMCP Sai Gam — HA Ni
e
14. Thong tin bao
cif) bq
ph4n
- Thong tin btio ea° bo phOn theo linh vyc kinh doanh:
Don VND

Kinh doanh ya
Tin dung

Dan he

huy dOng von

Dich vu

Tang Ong
Cho giai dogn tir ngay 1 tilting 10 din ngay 31 thang 12 nom 2012
1. Doanh thu true tip
1,675,723,264,689
653,125,886,838
2,518,352,033,542
563,989,795,287
5,411,190,980,356
Tai ngay 31 thang 12 nom 2012
1.
TM san
bo
phan
66,161,299,882,479
17,272,074,587,830
25,955,414,474,165
18,833,890,000
109,407,622,834,474
2.
TM san phan b6
3,071,217,439,473

55,543,294,118
1,048,788,083,054
3,986,048,166,125
8,161,596,982,771
Tong tai san
69,232,517,321,953
17,327,617,881,948
27,004,202,557,219
4,004,882,056,125
117,569,219,817,245
1.
Na phi tra
bo
phan
(198,054,035,747)
(105,963,496,360,187)
(38,816,352,750)
(106,200,366,748,684)
2.
Na pit b6
(700,393,572,070)
(12,666,692,261)
(239,176,953,867)
(909,021,444,601)
(1,861,258,662,799)
Tang &Ong no
(898,447,607,817)
(12,666,692,261)
(106,202,673,314,054)
(947,837,797,351)

(108,061,625,411,483)
7
z
'$$:r
Oq
.F:-^'
Dl)
s
:[t]
5tt
)J,l
:!:
sw
o
O
P:
A],
z
'91
I
i
O)
oa
.)
.o>
'19)
tD
.E
a
.i9+.?i5

?=[[[
g[[
j
=
'l'
oq
f-
it1
E-
=
5r
5r
d,
-=6,6,
+
.tl's;i.t
=s'==
j
7=€',
:
-
I
:
=.1
'[
;'
g"
3"
3'
E"E"

s
t;rs+$
gs+rr
333
Ez3.E,Es.6;'AEil
igs'o
iisi€i
i€r€ I€ r
31;";:'.?,
:,$F
i
F'
?
'E'
$-
E
;.,1
il. T 3
>:.r
==C.=o!);
€,
.+1
3'+
E
d.
;p.
g.€
5
E
pd.

=
-T.
I
I
lo
+lz
:-
lz
{rrltr
O\
\O
ld.
F Pl.'
{(^15
{ ltq
,
":
XIE.
B
cl
iltll
iltt l
;^ll=lels
lS
tr
P
iFllEl;l"E
ls
{
s

"s
"H
ll"F lF 15
15
F ,s
EBllglsl;
ls
s
=
tl
tl
tl
*l lG +
Ol-l\O\ONu
;-lX
l9
I J ,p
J.o J, P F
NJ l'^ lO\
O\
(,|r
O\
(,|
\l
q
\O
slF l3ss8B
I3S
-
l'^ l{

(})
(J)
ur
{
.O
O\
a 16 In
N)
\o
u
\o
uJ NJ
c^
:J 15 1}^)
-
J',fi i-
jF
rJ
)c I
NJ
l-l-J lP
5
O\ l J 5
NJ
u
N)
oolols(^t.J\:)!9aq^
t-rr
lur |
\o

NJ
\O
O
N)
OO O\
ll-v
ooo
\A
ooSuJ
{
t})
t'.J
(,A
O
N)
o\{l^{
\o(
A{
O\rrrf'J\O
.FO\OoO\
-t>5cp
:NJ
\ONl 5
O\Oo5t)
{uru)
(JJN\OtJ
ooooN)A
A{o\
5
t )

o\
!
{r-t(+)NJ
N.)O\Oo
@(/){OO
rl
lA
\t
,*,
I
lP-1.$"FP
.i"Iil;
u
ls$=&F n H€F
5
la o'\ 5 O
(,
o
ur
-
l^
lrquqH
il hEF
:
l'-
"A
"o
"NJ
"o
"N

"u "o.
I
It.
(,||
oo N)
\o
@
(,||
(,rt
I
U
IINJNJO{NJNJ-l
lvvl
7
tl>/
b.J
{
(,
b.)
o\
€
(,
A
tJ
tJ
(,)
-I
5
-I
3-''

o>,
=
oc
ra
.5
I
t^
IA
IA
l"s
l"r
l"c
13
'
lv
I
IG
t;
1"6
llo
lF
I
loo
l5
lv
I
I
I
.l-
"E

lE
?l\
-
lul
AH
ljo
'.J loo
-l'
bJll_l-l-
e
lle l$ lq
li
llii l; lli
ur llu| lu l-
€
ll* 19 l-
l_
100
l-I
l-a
lh
IE
l-
(,.|
"oo
-J
s
(j
"(l'
oo

(}J
:-ll-
;ilf
l.J
-
lltJ
eulls
a5
il3
7
tD>/
z
SHB
NgAn hang TMCP Sai Gan — HA NO
15. Tien mit, yang bac, di guy
31/12/2012
VND
31/12/2011
VND
Tien mat bang VND
258,541,575,002
293,849,677,377
Tien mat bang ngoai te
222,587,125,850
131,369,301,883
Kim loai qu9, da qu9
3,758,142,824
484,886,843,676
425,218,979,260
16.

Tien giii tai Ngfin hang Nha mit
31/12/2012
31/12/2011
VND
VND
Tien gui thank town tai Ngan hang Nha nu6c
2,789,224,639,025
35,111,525,637
Tien gin phong t6a (nett co)
Tien giti khac
2,789,224,639,025
35,111,525,637
17.
Ti6, yang giii tai cac to chat tin dung khac
Tien, yang gni khong ky hgn
31/12/2012
VND
31/12/2011
VND
1,472,951,681,846
3,158,281,818,025
- Bang VND
980,700,033,711
3,071,501,520,334
- Bang ngoai te, yang
492,251,648,135
86,780,297,691
Min, yang gin c6 kjr hgn
19,801,280,066,481
15,686,892,814,830

Bang VND
18,873,242,066,481
14,316,410,414,830
- Bang ngoai te, yang
928,038,000,000
1,370,482,400,000
Cho vay
8,890,044,000,000
- Bang VND
7,350,000,000,000
- Bang ngoai te, yang
1,540,044,000,000
30,164,275,748,327
18,845,174,632,855
9
SHB
NS hang TMCP Shi Gan — Ha Ni
18. Chuang khodn kinh doanh
31/12/2012
VND
31/12/2011
VND
Chtkng khodn Na
- Ching khodn ChInh phu
- Chimg khodn
Nq
do cac TCTD khac trong nubs
phat hart
- Ching khodn Nq do cac TCKT trong nuec phat
hanh

Clukng khodn Vitt
40,564,341,662
36,165,293,695
- Ching khodn Vim do cac TCTD khac trong nu&
Ott hanh
- Chung khodn Von do the TCKT trong nu& Oat
hart
40,564,341,662
36,165,293,695
Chung khodn kink doanh khdc
DE
.4. pitting gidm gid cluing khodn kink doanh
(27,177,062,665)
(18,361,121,268)
13,387,278,997 17,804,172,427
Thuyet minh ve tinh trang them yet dm cac chleng khodn kinh doanh
31/12/2012
31/12/2011
VND
VND
Ch'ing khodn Nc,
- Da niem yet
- Chua niem yet
Chan khodn Van
40,564,341,662
36,165,293,695
- Da niem yet
40,564,341,662
36,165,293,695
- Chua niem yet

Chung khodn kink doanh khdc:
- Da niem yet
- Chua niem yet
40,564,341,662
36,165,293,695
10
S
HB
Ngen hang TMCP Sai Gan — HA NOi
19.
Cie cling cy tat chinh phai sinh va cac tai sin tai chinh khic
Tai
nghy 31 thang 12 nam 2012
Tang gia tri cna hop
clang (theo ty gici ngity
hi eu lyr hop clang)
Tang gia tri ghi so ka toan
(theo g gia tai ngay lap bao ccio)
Tat san
0
-
mg no
CEng cy TCphdi sink din
to
1,710,623,497,800
5,846,612,060
Giao dich Icy han den to
913,539,370,000
3,263,769,995
Giao dich hoan d6i Icy han

797,084,127,800
2,582,842,065
Ti ugly 31 thing 12 nam 2011
Cling cy TC phdi sinh tien to
398,483,360,912
4,035,834,699
Giao dich Icy han tien t6
343,538,671,112
4,649,608,299
Giao dich hoan d6i ky
han
54,944,689,800
(613,773,600)
20.
Cho vay khich hang
31/12/2012
VND
31/12/2011
VND
Cho vay cac to chat kinh t
i
e, ca nhan trong
nuec
54,832,661,004,868
28,923,417,441,804
Cho vay chiet khAu thuung phieu va cac
giay to có gia
985,650,393,340
22,168,473,454
Cho thue tai chinh

Cac khoan tra thay khach hang
582,245,331
2,270,922,114
Cho vay bang yen tai trg, fly thac dau to
74,572,331,345
10,718,810,674
Cho vay d6i vbi cac t6 chat, ca nhan nuec
ngoli
897,889,799,384
Cho vay lchac
22,011,922,616
203,274,991,859
Ng cho vay dugc khoanh va ng chit 'oily
56,813,367,696,884
29,161,850,639,905
11
11 SHB
Nein hang TMCP Sal Gan — Ha N§i
20.1. Phan tich chit luvng nq cho vay
31/12/2012
VND
31/12/2011
VND
Na du tieu chuAn
47,353,910,286,064
27,416,800,255,517
Na an chi'
4,613,611,974,996
1,093,637,444,907
Na clued tieu chuAn

1,053,445,014,484
218,922,396,906
Ng
nghi ng6
1,724,926,789,777
154,147,495,684
Ng c6 Hid nAng mat von
2,067,473,631,563
278,343,046,891
56,813,367,696,884
29,161,850,639,905
20.2. Phan tich du nq theo thiri gian
31/12/2012
31/12/2011
VND
VND
Ng ngan ban
32,332,909,729,711
18,514,229,358,086
Ng trung ban
12,539,223,509,333
6,394,821,023,356
No dai ban
11,941,234,457,840
4,252,800,258,463
56,813,367,696,884
29,161,850,639,905
20.3. Phan tich du nq cho vay theo dii tugng khach hang va loai hinh doanh nghiep
- Phfin nett du nq cho vay theo dOi ttnyng khach hang WI theo loci hinh doanh nghi§p:
31/12/2012

tri§u VND
31/12/2011
tri§u VND
Cho vay cac TCKT
40,682,285
71.61
19,951,577
73.02
Doanh nghiep Nha nu& trung uang
2,127,108
3.74
791,375
3.55
Doanh nghiep Nha ntrec dia phuong
560,436
0.99
224,399
1.56
Ging ty TNHH Nha nu6c
2,944,494
5.18
1,063,033
4.78
C6ng ty TNHH tv nhan
11,452,224
20.16
6,280,638
21.04
Cling ty
co

phan Nha nu&
3,197,708
5.63
2,138,144
7.68
Cong ty
co
phan khac
19,063,711
33.55
8,575,624
29.08
C6ng ty hqp danh
1,706
0.00
1,319
0.01
Doanh nghiep to nhan
763,502
1.34
531,685
2.67
Doanh nghiep c6
von
dau to ntrOc ngoai
500,953
0.88
328,493
2.56
Kinh

to tap the
70,443
0.12
16,867
0.09
Cho vay cd nhan
15,937,074
28.05
9,079,152
26.48
Cho vay khde
194,010
0.34
131,121
0.51
56,813,368
100.00
29,161,850
100.00
12
SHB
Ngfin hang TMCP Sai Con - Ha Ni
20.4. Phan tich dtr no cho vay theo nganh kinh to
N6ng nghi0p va lam nghi6p va dal)/ san
Khai khoang
Con nghi6p the bidn, ch0 tao
San xuat va phan pluOi di6n, khi &it, mite
n6ng, hai mite va didu hem kh6ng khi
Cung cap nude; hoot dOng quan IS
,

va xir bi
rice thai, nude thai
Xay dtmg
Ban boon va ban le; dm chits 6 to, mo to, xe
may va xe co tong co khac
Van tai kho bdi
Dich vu luu tit va an u6ng
ThOng tin va truyan thong
float dOng tai chinh, ngan hang va bao him
Hoot Ong kinh doanh hAt (Xing san
float dOng chuyen m6n, khoa hoc va cong
ngh0
Hon dOng hanh chinh va dich vp hii trq
Hoot dOng dm Dang COng san, to chile chinh
tri - xa hOi, quan 15r nha nude, an ninh qu6c
Giao due va dao tao
Y to va hoot dOng trq gitip xd hOi
Nghe thug vui choi va giai tri
float dong dich vu khac
Hoot dOng lam thug cac cong viac trong cac
h0 gia dinh, san xuAt san pham vat chat va
dich vu to tieu &nu cfm ho Oa dinh
float dOng dm cac t6 chile va co quan quoc t6
Ding du nq
31/12/2012
tri?u VND
%
31/12/2011
triOu VND
0/

0

8,090,626.46
14.24
3,478,762
12.30
3,964,712.60
6.98
2,676,492
9.53
8,707,925.76
15.33
5,068,777
18.07
1,342,568.97
2.36
486,452
1.64
23,686.26
0.04
6,195
0.02
6,115,583.36
10.76
3,301,472
9.24
10,464,986.77
18.42
5,742,949
21.03

4,092,720.30
7.20
1,553,418
4.82
1,284,432.33
2.26
782,871
3.75
95,340.95
0.17
28,032
0.10
704,908.84
1.24
463,209
1.40
2,236,671.74
3.94
1,395,239
4.45
17,105.05
0.03
24,458
0.07
49,744.14
0.09
32,697
0.10
4,991.80
0.01

5,303
0.01
44,084.59
0.08
13,480
0.04
76,326.48
0.13
45,346
0.14
21,757.16
0.04
12,709
0.04
9,206,153.25
16.20
3,822,944
12.77
261,951.79
0.46
185,738
0.44
7,089.08
0.01
35,307
0.07
56,813,368
100.00
29,161,850
100.00

13
SHB
Ngfin hang TMCP Sal Gen - Ha Neji
21.
Dv 'long rui ro tin dung
thy phong chung
VND
Der
phOng cu the
VND
Ki, nay
200,004,430,998
144,071,656,889
154,962,118,692
752,457,604,945
SO du dew kS'
Du phOng rui ro trich lap trong k5r/ (Hoan nhap
du ph6ng trong 1(5)
Du phi:mg giam do xir ly cac khoan ng kho thu
hoi bang nguon du ph6ng
Drell chinh tang/ (giam) khac
SO
du cu
.
&
kjr
344,076,087,887
907,419,723,637
K1, truck
164,823,526,714

35,180,904,284
107,732,171,165
47,968,947,527
739,000,000
SO die din
Icy
Du phOng rai ro trich lap trong kjr/ (Hoan nhap
du phOng trong kjr)
Du phOng giam do xir 19
.
cac khoan ng lcho thu
Mil bang ngu6n du phi:mg
SO dir cuta
ky
200,004,430,998
154,962,118,692
22.
Cluing khoan diu hr
22.1. Ching khoan din to sin sang de ban
31/12/2012
VND
31/12/2011
VND
Chting khocin N9
Chung khoan Chinh phu
Chung khoan Ng do the TCTD khac trong nuac
phat hlnh
Chung khoan Ng do cac TCKT trong nuac phat
hinh
Chang khotin Von

Ching khoan ViSn do cac TCTD khac trong nuec
phat hanh
Chung khoan V6'n do the TCKT trong nuac phat
hanh
Du phimg gicim gia chting khocin sin sang eta
ban
7,916,210,296,387
4,492,883,202,543
375,018,484,551
3,048,308,609,293
48,023,619,317
11,688,790,000
36,334,829,317
(9,863,783,316)
12,480,528,533,537
950,000,000,000
8,430,105,806,501
3,100,422,727,036
20,711,620,000
11,688,790,000
9,022,830,000
(14,685,653,800)
7,954,370,132,388

12,486,554,499,737

14
11 SIIB
Ngfin hang TMCP SM Gan — Ha NOi
22.2. Chong khoin dau to gift den ngly din hull

31/12/2012
31/12/2011
VND VND
Chung khoan Chinh phu
1,324,050,123,124
1,000,000,000,000
Chirng khoan Ng do ck TCTD khac trong nubs
phat hanh
2,345,668,000,000
1,610,840,000,000
Chung khoan Ng do ck TCKT trong nuec PH
1,075,187,684,837
Du pheng giana gia chirng khoan dau to gilt den
ngay dao han
4,744,905,807,961
2,610,840,000,000
23. Gap von, dau to dai han
31/12/2012
31/12/2011
VND
VND
Day to vao cong ty con
Cac khoan dau to vao ding ty lien doanh
69,484,434,182
Cac khoan dau to vao cong ty lien ket
Cac khoan dau to dai han khac
365,841,525,375
334,289,000,000
Dv phong giam gia dau to dai hart
(4,357,377,454)

(975,759,107)
430,968,582,103
333,313,240,893
15
SHB
Ngfin hang TMCP Sii Gen — Ha NOi
24. Tai san d ditch him hinh
Tang, giim tai san d dinh hiku hinh Icy nay
3012

3013
Nhi dm,
Khoin muc

May mac, thiet bi
vat Men try c
3014
Hwang lien van
truyen dim
3015
Dyng cy quin
3019
Don vi tinh: VND
TM sin of) dinh
gong
khau
Nguyen gia
So` du dau kg
49,170,531,021
54,627,721,416

81,665,463,587
60,860,925,221
6,458,905,414
252,783,546,659
Se tang trong kg
140,060,863,472
157,047,173,338
70,497,825,332
71,714,018,881
16,749,385,939
456,069,266,962
- Mua trong kj,
140,060,863,472
157,047,173,338
70,497,825,332
71,714,018,881
16,749,385,939
456,069,266,962
- Ddu tte XDCB hoan thanh
-
-
- Tang khac
-
S6 giarn trong kg
113,833,061
935,807,964
4,259,096,107
9,089,306,433
12,545,455
14,410,589,020

- Chuye'n sang BDS ddu
to
-
-
-
-
- Thanh 1fi, nInecmg ban
-
-
-
-
- Gicim khac
113,833,061
935,807,964
4,259,096,107
9,089,306,433
12,545,455
14,410,589,020
Se du
cu6i ict
189,117,561,432
210,739,086,790
147,904,192,812
123,485,637,669
23,195,745,898
694,442,224,601
Gia tri hao men lug ki
Se du clan kg
10,483,561,956
18,895,666,773

24,176,965,291
28,503,409,352
2,942,602,285
85,002,205,657
Se tang trong kg
79,426,327,373
49,357,511,872
34,477,403,653
47,582,382,499
10,711,296,849
221,554,922,246
-
Klatt hao trong kfr
79,426,327,373
49,357,511,872
34,477,403,653
47,582,382,499
10,711,296,849
221,554,922,246
- Tang kluic
-
-
-
-
SO giam trong kg
1,132,779,321
847,372,930
2,572,630,884
309,385,118
230,734,477

5,092,902,730
- Chuydn sang BDS cidu he
-
-
-
-
- Thanh 1j, nhucmg ban
-
-
-
-
- Glom khdc
1,132,779,321
847,372,930
2,572,630,884
309,385,118
230,734,477
5,092,902,730
Si dir cued ky
88,777,110,008
67,405,805,715
56,081,738,060
75,776,406,733
13,423,164,657
301,464,225,173
Gia tri dm lai cfia TSCD
TO ngay diu kg
38,686,969,065
35,732,054,643
57,488,498,296

32,357,515,869
3,516,303,129
167,781,341,002
TO ngay cu6i kg
100,340,451,424
143,333,281,075
91,822,454,752
47,709,230,936
9,772,581,241
392,977,999,428
16
SHB
Nan hang TMCP Sai Gen — Hi Nei
Ting, glint tat sin co dinh hay hinh tit trut:
Nha cira, vat kien
Khan mac

true
May mac, thief bi
Phtro'ng tien van tat,
truyen dAn
Deng cy quern 1Y
Titi san co dinh
khic
Ceng
Nguyen gia
SO thr den icy
47,646,431,991
20,839,992,233
64,644,145,627

39,236,947,502
4,397,959,273
176,765,476,626
SO tang trong kY
1,524,099,030
33,787,729,183
17,494,639,805
21,781,676,799
2,060,946,141
76,649,090,958
- Mua trong ky
1,524,099,030
6,542,062,564
17,494,639,805
21,781,676,799
Z060,946,141
49,403,424,339
- adu 1wXDCB hoan thanh
27,243,040,619
27,243,040,619
- Tang khac
2,626,000
2,626,000
SO gam trong ky
473,321,845
157,699,080
631,020,925
- Chuyin sang BDS ciciu to
- Thanh 1y, nhtrong ban
473,321,845

157,699,080
631,020,925
- Giam khac
SO thr cu
.
& icy
49,170,531,021
54,627,721,416
81,665,463,587
60,860,925,221
6,458,905,414
252,783,546,659
Gia
tri hao man
In

1(.4
Sodu
daauky
7,516,925,385
7,974,046,868
16,156,331,114
16,886,214,888
1,677,560,681
50,211,078,936
SO tang trong Irk
2,966,636,571
10,921,619,905
8,220,173,517
11,765,703,754

1,265,041,604
35,139,175,351
-
Khali hao trong
kj
,

2,966,636,571
10,921,619,905
8,220,173,517
1 I , 765,703 , 754
1,265,041,604
35,139,175,351
- Tang Mac
St giam trong
ky
199,539,340
148,509,290
348,048,630
- ChuyAn sang BDS dciu to
- Thanh 1Y, nhuvng ban
199,539,340 148,509,290
348,048,630
- Giam khcic
st,
die cad ks
,

10,483,561,956
18,895,666,773

24,176,965,291
28,503,409,352
2,942,602,285
85,002,205,657
Gig trj con 4i
Tai
ngity dim ItY
40,129,506,606
12,865,945,365
48,487,814,513
22,350,732,614
2,720,398,592
126,554,397,690
Tai
ngay cutli icy
38,686,969,065
35,732,054,643
57,488,498,296
32,357,515,869
3,516,303,129
167,781,341,002
17
SHB
Ngin hang TMCP Sai Gen — Hi NOi
25. Tai sin co dinh yo hinh
-

Tang, gifim tai sin co dinh
vo
hinh ky nay:

TM sin ea dinh
Don vi nh: VND
1Choan myc
Quyen sv dyng dit
Than mam vi tinh
vo hinh khac
COng
Nguyen gia
St du dau
ky
2,030,651,354,061
53,512,026,515
21,983,080,310
2,106,146,460,886
St tang trong ky
1,377,400,692,500
169,532,920,672
439,296,000
1,547,372,909,172
- Mua trong ky
1,377,400,692,500
169,532,920,672
439,296,000
1,547,372,909,172
- Tang khcic
St giam trong ky
37,518,036,000
40,172,195,760
77,690,231,760
- Thanh ly, nhuvng ban

37,518,036,000
37,518,036,000
- Giam khcic
40, 17Z 195,760
40,172,195,760
SO du cool ky
3,370,534,010,561
182,872,751,427
22,422,376,310
3,575,829,138,298
Gia tri hao men 1u5i
ke
St du dAu ky
631,102,326
14,064,122,632
4,249,751,607
18,944,976,565
St tang trong ky
1,348,949,105,937
55,256,927,671
15,106,058,260
1,419,312,091,868
-
Khdu hao trong ky
1,348,949,105,937
55,256,927,671
15,106,058,260
1,419,312,091,868
- Tang khcic
St gMm trong ky

1,348,514,384,714
907,750,226
-
1,349,422,134,940
- Thank If, nhugng bdn
- Giant khdc
1,348,514,384,714
907,750,226
-
1,349,422,134,940
St du cad ky
1,065,823,549
68,413,300,077
19,355,809,867
88,834,933,493
Gia tri con Mi
Tai nay dill ky
2,030,020,251,735
39,447,903,883
17,733,328,703
2,087,201,484,321
Tai ngay mai lit
3,369,468,187,012
114,459,451,350
3,066,566,443
3,486,994,204,805
-

Tang, giant tai sfin co dinh
vo

hinh Icy flat
:
Don vi tinh: VND
TM sin co dinh
1Chofin myc
Quytn sir dyng dAt
Phan mom vi tfnh
vo
hinh khac
COng
Nguyen gia
SO dir dau ky
1,380,377,188,421
5,988,310,020
20,000,000,000
1,406,365,498,441
St tang trong
kv
650,274,165,640
47,523,716,495
1,983,080,310
699,780,962,445
- Mua trong ky
4,477,974,000
1,983,080,310
6,461,054,310
- Tang do hoan thanh mica
sat?? TSCD
650,274,165,640
43,045,742,495

- Tang khcic
St giam trong kt
- Thanh ly, nhuqng ban
- Gear, khcic
St du cuoi kV
2,030,651,354,061
53,5

,0

,5 5
1,98 ,080,310
2,106,146,460,886
Gia tri hao men NV lit
SO dir dAu kV
473,434,736
3,291,957,009
3,000,684,696
6,766,076,441
St tang trong kV
157,667,590
10,772,165,623
1,249,066,911
12,178,900,124
- Khdu hao trong ky
157,667,590
10,772,165,623
1,249,066,911
12,178,900,124
- Tang khcic

SO giam trong
kv
- Thanh if, nktrimg bdn
- Gid m khtic
SO du cuoi kir
,1 U2,326
14,064,122,632
4,249,751,607
18,944,976,565
Gia tri can
rai
Tai ngay dau
kv
1,379,903,753,685
2,696,353,011
16,999,315,304
1,399,599,422,000
Tai ngay mita kV
2,030,020,251,735
39,447,903,883
17,733,328,703
2,087,201,484,321
18
SI SI-IB
Ngfin hang TMCP Sal Gen — HA Nhi
Danh myc Quyen sii dung tat
31/12/2012
VND
31/12/2011
VND

Tinh can Tho
69,584,692,000
69,584,692,000
Tinh Da Nang
227,507,425,586
265,025,461,586
Tinh Ha NOi
2,734,282,736,875
1,665,308,835,375
Tinh Khanh HOa
18,037,226,100
18,037,226,100
Tinh Kieft Gang
5,211,535,400
5,211,535,400
Tinh Lam Dong
7,483,603,600
7,483,603,600
Tinh Binh Phu&
6,514,087,000
Tinh Binh arcmg
22,375,204,000
TP Hd Chi Minh
279,537,500,000
3,371,534,010,561
2,030,651,354,061
26. TM san Co khlic
31/12/2012
VND
31/12/2011

VND
Cac khoan Mt, phi phai thu
4,538,534,628,305
1,645,443,688,789
Chi phi xay dung co ban do dang
225,086,125,860
53,820,545,107
Cac khoan phai thu (*)
2,460,772,801,248
2,545,849,893,945
Tai san thue TNDN holt lai
109,916,033
Dtr phong pat ro cho cac tai san Co khac
(106,666,667)
Tai san CO khac
4,271,355,558,148
924,614,419,802
11,495,859,029,594
5,169,621,880,976
(*): Khong bao gam tat san thud thu ntfop holt tai Ira cac khoan phai thu tit cac giao dich not
19