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|;1.0-i7.7()J
2.[i99.590.560
li3.90l.l
13.iur
ll4. l3tr
2,739.'/77.995,55't
(792.584.293.26
r
)

l5
'l'dng/(Girinr)
cdc khodn
ncr Clhinh
phn vd
Nl INN
l6
l6
l'6ng/(Giarn)
cdc
khoan
licln
gui.
trdn
va1 cac
'l'("1'l)
l7
l7
'fdng/(Girirr)tien
gtri
cua khiich
lring
thao
g()m
ca
KBNN)
l8
,u
lang
{(iianrt

phdt
hanlr
giui tir uo
gia
{rtgttai
tlu
gid} tir co
,n
'"
gia phrit
hirrh
tluoc
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rao lroirt dong
tiri cltinht
,^
fing'{Ciurnl
von
tii
tro. u1
tlrirc ditr
tu. cho
va) rna
1('f
l)
r,,
t9
,.
ft;;';i:'1
cdc cong

cu
tiri chi'h
phdi sinh
vd
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,,
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ntr tiri chinlt
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21
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khdc
vii
cirng
n(J
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22
22 Chi
tr)
cdc clui'cua
TC1D
21
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chuy0n
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21
II LU'U
CIITIYEN
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I'tI'
IIOA'T
DONG
D,iU
I'U.
1
Mua sim
tdi san c6
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25
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3
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ditr ttL
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thanh
ly
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29
6
'l'iOn
chi
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thanh
li hit dong
san
durt
tLt
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I

Chi
ti6u
Mi
chi
Thuyiit
ti0u
minh
Nim
nay
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tru6c
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9
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chi
diu
ttL.
g6p
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dcrn
vi
khic
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cliiLr
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gop
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viro
c6c don
vi khhc
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34
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31
(
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I 8.276.400.000
(47.590.000.000)
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(797,156,589,132'
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u
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c6
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khoan
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39
40
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(220. I 93.050.420)
9l8,697,749,580
1,225,261,468,372
9,501,678,182,455

13,126,939,650,827
(,109.005.63
9.500)
(303.054.000)
I,138,210,376,s00
3,080,231
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NgAn hing1'MCP Shi Gdn
-
He NQi
THUYET MINH BAO CAO
TAI CTTIXU
NTtNC I,N
NIm
2011
1.
Th0ng tin vG ngin
hing
Gi6y

ph6p
hoat tl6ng
004 I
-NH/C P ngdy 13 th6ng
I I narn 1993
Gi6y
ph6p hoat tl6ng do Ngdn
hdng Nhd nu6'c
Vi6t Nam
c6p
-t'hd'i
han hoat ddng cira
Ngdn hiing ld 40 n6m kii til ngdy cdp
giey phdp
diiu ti€n.
HQi tl6ng
Quin
tri
Ong D5
Quang
Hi6n
6ng Nguy6n Vdn
L€
6ng Nguy6n
Vdn HAi
6ng'frdn
Ngoc Linh
Ong Phan
IlLry Chf
Ong TrAn'l'hoai

Ong
L€ Ki6n'l'hdnh
Ban ki6m soit
Bd Ddm
Ngoc
Bich
6ng
Nguy6n Hff'u Eri'c
Bd Nguy6n
'fhi
FI6ng Uy6n
Ong LLrong l){lc Chinh
6ng
Bii
'fhanh
TArn
Ong Pharn
I loa Binh
Ban T6ng Gi6m d6c
Ong Nguy6n Vdn I-€
6ng
Edng'l'rung
Dfrng
Ong Biri
'Iin
Nghi
Ong
LC Dang Khoa
Pham Vin'l-hing
Ng6 Thu

Hd
Ninh
Thi [.an Phuo-ng
Tru6'ng ban
Ph6
Trr,ro'ng ban
Thdnh vi6n
Thdnh vi6n
Thdnh vi6n
Thdnh vi6n
Tdng Gi6m d6c
^'
,
-i
+:
rno rong
(Jram
ooc
Ph6'fdng Girim d6c
-,
,
-i
!;
fno I Ong Lrlaln OOC
Ph6
T6ng
Girirn
d6c
^,
,

-i
+:
rno
long
ulam
ooc
',1
Ke
toan truo'ng
l]6 nhi6m ngdy 16
thring 6
ndm
2008
l]6 nhi6m ngdy l6
thring
6 ndrn 2008
116 nhi6rn ngdy
l6
thrlng 6
nlm 2008
I]6 nhi6m
ngdy 16
thring
6 ndrn 2008
I]6
nhi€m ngdy 16 thring 6 n6m 2008
I]6
nhi6rn
ngdy 16 thring 6 ndm 2008
l]6

nhi6m ngdy l0 thring 8 ndrn 2010
l]6 nhi6m ngdy l6thhng 6 ndrn 2008
I16 nhiem ngdy 20
th6ng 5 ndrn 2009
I]6 nhi€m
ngdy l6 th6ng 6 ndrn 2008
116
nhi€rn ngdy 16 th6ng 6 ndm 2008
116 nhi6rn ngdy l6 th6ng 6 ndm 2008
l]6 nhi6m ngiy
20 th6ng 5 ndm 2009
'l'6i
bd nhiOrn ngdy
08 th6ng 5 ndn2A07
116 nhidrn
ngdy 01 thring
9
ndm
2006
Ilir
nhi6m ngdy 05 th6ng 6 ndm2007
116 nhi€rn
ngdy 10 thang4 ndm 2009
116 nhi€m ngdy
01 th6ng
l1
ndm 2010
116 nhiOm ngdy l5 th6ng 3
ndm 201 I
l]6 nhi€m ngiry 27 rhdngT ndrn 2008

Chu tich
uy
vren
Uy
vi6n
uy
vren
Uy vi6n
uy
vlen
Thdnh vi€n ddc
lAp
t,
iir
\\r
\
Irg sO chinh
Sd 77
-
TrAn
I'Irrng Eao
-
Q.l
Iodn Ki6m
-
TP.lJd
N6i
-
Vi€t Nam
2. D{c di6m

hoat
ddng
cria t6 chric lin dgng
NgAn hdng Thuo'ng
rnai
C6
phAn
Sdi Gdn
-
Hd Nqi
(clu6'i
ddy
goi
tit lir "Ngdn
hdng") ld m6t
ngAn hdng thuo'ng mai
co
phin
ViQt Narn thdnh
lQp tai nr-L6c Cdng hoa Xd
hQi Chrh nghia
Vi€t
Nam
',
=,
SHIi
Ng6n hhng TMCP
Shi
Gdn
-

Hn NQi
v6'i thd'i
gian
hoat d6ng
ld
40 ndm theo 0041-NH/GP
ngdy 13
th6ng 1l ndm 1993
cua NgAn hdng
Nhd nu6'c Vi6t Nam" V6n di6u lg cua NgAn
hdng tai ngiry 3111212011 ld
4,815,795,470,000
cl6ng
,^i
(Bon
nghin tarn tram rnud'i
ldm
t! b6y
trdm chin l6m triOu bdn trdm biy muo'i nghin
d6ng).
H6i so chfnh cria Ngdn hdng dat tai SO 77
-
TrAn tlung l)ao
-
Q.Hodn
Ki6m
-
Ha
Ngi
-

Vi6t Nam.
Tai ngdy 3lll2l20ll, NgAn hdng c6 2574
nhln vi€n
lDdu
ndm
201 1: 1889 nhdn vi6n)
.
3.
T6m
tit cfc chinh s:ich
k6
toin chri v6u
Chudn mqc
vi cn6
a9 k6 tofn 6p dgng
NgAn hdng trinh bdy cdc
bio c6o tdi chinh bing
dorrg Vi€t Nam
(VND)
theo Luat cdc T6
chri'c
Tin dung, Ludt sta d6i vd
b6 sung mdt s6 dii:u
trong l-u6t ciic'l'6 chri'c Tin dung, c6c chuAn
muc k6 toiin Vi€t
Nam vir HQ th6ng
Kti torln c6c
t6 chri'c tin dung Vi6t Nam.
Kj. b6o c6o vd
tlon vi ti6n

tQ
Kj,b6o c5o c0a
Ngdn hdng
U6t AAu
tir ngdy
0ll01l20ll
vd kt5t thfc vio
ngdy
3111212011.
Do'n
vi tid:n tC sfr
dung trong
ghi
chdp k6
torin ld d6ng
ViQt Nam
(VND).
4. Nguy0n tic
ghi
nhfn cdc
nghiQp vg bing
ngoai
tG vir
quy
d6i
Theo h6 th6ng k6 torin cta
Ngdn hdng, t6t cir
c6c rrghidp vu
ph6t
sinh cia Ngdn hdrng duo-c

hach to6n theo nguy€n
tQ.
'fai
thd'i di6m cu6i
ndm, tdi sAn vd cdng no- c6 ngudn
g6c
ngoai td drLo-c
quy
d6i
sang
VND
theo ty
gi6 quy
dinh vdo
ngdy ldp bdrng cdn doi ke to6n. Cdc khoAn thu nhdp vd
,'rl
chi
phf
bang ngoai t€ cria Ngdn hdng duo-c hpch to6n bdng
VND
theo ty
gif
vdo ngdy
ph6t
sinh
th6ng
qua giao
dich
rnua b6n ngoai t6. Ch€nh
lQch ty

gi6
do clinh
giri
lai circ tdi kho6n kinli doanh
ngoai
t€ duo-c hach to6n vdo biio c6o K;5t
qu6
Hoat d6ng Kinh doanh vd lo'i nhudn
eC tai" Chdnh
lQch tj'
gi6phdt
sinh
do
quy
ddi ciic tdi sin vir cdng
no'kh6c
bang ngoai t6 sang VND
cluo.c
xil ly
vdo doanh
s6
cria c6c
khoAn muc.tuo'ng fng trdn
bing cAn d6i k6 todn
vdo ngdry l6p b6o crio tAi
chfnh.
5. Chring
khorin
ctiu tu
gifr

d6n ngdry tt:io
h4n
Chring kho6n no-
giri
d6n ngay dao h4n
ld
c6c
chirng khodn
co
kjz
han co dinh vd c6c khodn
thanh toiin cO
ainn hodc c6 th€
x6c
dinh
duo-c vd
Ban T6ng GiSm rl6c c6
f
dinh vd c6 kh6 ndng
giir
d6n
ngdy d6o
han. Ngdn hdng dang
ghi
nhfln
c6c chri'ng
kho6n ndy thco
gi6 g6c
cdng ldi du thu trir'
ldi chd'ph6n

b6. GiA
fti
phu
trdi
hodc chi6t kh6u
(ntlu
c6) cirng
duo-c
phdn rinh
vdo
gi6
tri
ghi
s6 cira
khoan ddu
tu. Ldi duo. c <lq
thu hodc
phdn
bo
theo
phu'ong phap
duo'ng thing. Chfng kho6n dr-ro-c
giir
cltin khi d6o han sE duo'c
xem xdt v6 khd
ndng
giam gi6.
Chrlng kho6n
duo'c
l6p

dq
phdng
giim
gi6
khi
giri
tri thi trud'ng nh6 ho'n
giri
tri
ghi
so. Du
phong giAm gi6
cluo. c
ghi
nhAn vdo b6o crio ket
qui
hoat d6ng kinh
doanh.
.
,i
SFIIS
NgAn hing TMCP Sdi
Gdn
-
HA NQi
6. Chring
khoin ttAu
tu sin sing A6
UAn
Chrlng

kho6n ddu
tr-r sin sdng dC Uan
ld ciic chf'ng
khorin duo-c
gifi'trong
thd'i
gian
khdng 6n
dinh tru'6'c.
c6 thi5 duo-c biin aC
Oap f'ng
nhu cAu thanh
kho6n holc d6 i'ng
ph6
v6'i trud'ng
ho.p
thay
d6i lai su6t,
ti
gi6,
hodc
gi6
tri chfng kho6n.
Ngdn
hdng
dang
ghi
nhAn c6c
chrlng
khorin niry theo

giri g6c
cdng ldi du thu
trir ldi chd'
phdn
b6.
Gi6 tri
phu
trdi
hoic
chi6t
kh6u
(n€u
c6) cfing duo-c
phdn rinh vdo
gi6
tri
ghi
s6
crja
khoan ddu tu.
I-6i duoc du thu hodc
phdn
b6 theo
phuo'ng
ph6p
clud'ng thdng. C6c chri'ng
khorln ndy duo'c
d6nh
gi6
dinh

kj,'theo
gi6
tri thitrud'ng vd du
phdng gi6m
gi6tri
sE duo-c lap khi
gi6tri
thi trud'ng nho hon
gi6
tri
ghi
so. Dtr
phong gidm
gi6
cluo-c
ghi
nhdn
vdo b6o c6o
k6t
qu6
hoat d6ng kinh doanh.
7. Chfng
khofn kinh doanh
Chfi'ng kho:in
kinh
doanh ld chf'ng
kho6n
ban ddu
duo-c mua vd
n6m

giir
cho rnuc dich
kinh
doanh
trong
ng6n han
hodc n6u
Ban T6ng
Gi6m
ttdc
quy6t
dinh nhu vdy.
Ngdn hdng ctang
ghi
nh6n
c6c
chilng
khorin ndy
theo
giri goc vdo ngdy
giao
dich.
I'rong c6c
k! ti6p theo, ciic
chri'ng khorin ti6p
tuc duo-c
ghi
nhpn
theo
giil goc. Tuy nhi6n,

gi6
tri thi
trr.Ld'ng cua c6c
chri'ng kho6n
v6n duo-c NgAn
hdng
theo ddi dC
d6nh
gi6
ve ma
ndng
giim gi5 khi
gi5
tri thi
truong thdp
ho-n
gia g6c.
Ngoqi
triL
trud'ng hqp
khdng thd
x6c dinh
gid
tri thi trud'ng
rndt
c6cli ch6c chin
thi
gi6
tri cira chfng cluo.
c tinh

dua tr6n
nguy6n
gi6
sau
khi tru' cli
ton th6t u6'c
tinh
(n6u
c6).
Lai hodc 16 til kinh doanh
chring
khorin
cluo-c
ghi
nh4n
trdn b6o cao
ktit
qud
hoqt clQng
kinh cloanh
theo sd
thuAn.
8. C:ic
kho:in cho vay
Crlc khoAn cho
vay ngdn
han co k! han
du6'i I
ndm;
ciic

khodn cho vay vir cho thud tdi chinh
trung hqn c6
kj,han tu l
nam
d€n 5
nam vd ciic
khoin cho vay
vd cho thu6 tdi chinh ddi han c6 k!
han tr6n 5 ndm k6 til
ngdy
gi6i
ngdn.
Vi6c
phdn
loai
no- vd l6p dg
phong
riri
ro 1in dung duo-c thr,ic hi6n theo
Quyi5t
clinh sd
4g3l2005lQD-NHNN
ngity 22 thhng 4 nam 2005 vd
Quvet
dinh so l8l2}}7lQE-NtlNN
ngdy 25
thing
4
ndm 2007 cira
Th6ng

d6c
Ngdn hdng Nhd
nu6c
Vi€t
Nam.
C6c
khoin
cho vay duo-c
phdn
thdnh ndm
nh6m no-
cdn
cr1vdo tinh hinh
trA no-
va
cdc
yeu
t6 dinh tfnh
nhu
sau:
Nhrim t. Nq du
rilu chuan
.
Circ
kho6n
no- trong
han mir NgAn
hdng
ddnh
giri

ld c6 clu
khi ndng thu hdi
day dn cd
g6c
vd
ldi dirng
thd'i han;
.
Ctrc
khodn
no-
quii
hpn
du6'i l0
ngdy
vd Ng6n hang danh
gia
ld co kha nang
thu hdi
dAy drl
g6c
vd
ldi bi
qu6
h4n vd
thu hdi
dAy di
g6c
vd
l6i dring thd'i han cdn

lai;
Nhdm
2. Nq ccin chti
y
.
Cac
khoin no-
qu5
hpn
til l0 ngdy cl6n
90 ngal:
.
Ciic khodn
no- di€u chinh
kV han tra
no'lAn dALr:
3
'r,"'w
sFIlf
Ngin
hing TMCP
Shi Gdn
-
tld
NQi
o
(liickho6nno-cocaulaitho'i
hantr6no-lronghantheothdi
handuo-cco'cdulai.
l,lhdm

3;
Nq'clmri tiiu chuan
r
Ciic khodn
no-
quii
han tu'91 d€n 180 ngiry;
.
Ciic
khoan no- co
c6u
lai tho'i han trir no-
lAn
dAu. trir c6c khoin no- di6u chinh kj,han trdr
no- lAn dAu
phdn
loai viro nh6m 2;
.
Circ kho6n no- duo-c mi6n hodc
gidm
l6ido khiich hdng
kh6ng dri khe ndng
trd
laidAy
du
thco ho-p ddng tin dung:
Nlrdm 4: Ir{q
nghi
ngd'
c

Citc khoin no-
qu6
han tir' 181 ct6n 360
ngdrr:
.
Cdc
khoirn no-co cdru lai thd'i
han tra no
lAn
ddu
quii
hqn du6'i 90
ngdytheothd'i
han
trir no- duo-c co'c6u
lai lAn diu;
o
C6c khodrn
no- co'cdu
lai thd'i h4n
tri no- lAn thf'hai;
Nhdm 5:
No
co
kha nang
mut von
o
Cfrc khoAn
no-
qu6

hgn tr€n 360
ngdy;
o
Ciic khodrn
no- co'c6u
lai tho'i han tri
no- lAn
dAu
quri
han tir'90 ngdy tro l6n theo thd'i
han tr6 no- duo-c co'c6u
lai lAn cfAu;
o
C6c khoan no- co'c6u
lai thd'i han tra
no- lAn thri'hai
qu6
han theo thd'i h4n trA no-
duo-c co c6u lai
lAn
thr?
hai;
o
C6c kho6n no- co'c6u
lai
thd'i
han trd no- lAn thri' ba tr6' l6n, k6
cd chua bi
qu6
han

hodc
dd
qu6 han;
.
Ciic khoAn
no- khoanh, no- chd
xi'Iy;
Theo
Quy6t
dinh sA
+gZnOaslQE-NHNN ngdy
22
th6ng
4
ndm 2005 vd
Quytit
dinh s6
t
l8l2007lQD-NHNN ngity 25 thdng4 ndm2007, OOi vO'i,cilc khoAn no-
qu6
han,
t6 chf'c tin dung
ph6n
loai lai vdo nh6m no- c6 nii ro thAp ho'n khiNgdn hdng d6nh
gi6
ld
c6 dri kh6 ndng
thu hdi dAy
du ci
g6c

vd ldi; vd kh6ch hdng c6 tdi li€u.
ho
so'chu'ng
nrinh
ciic nguydn nhdn ldm kho6n
no- ndy
quii
han duo-c xil ly, khic
phuc.
NgAn hdng chu clong tu
qrryit
dinh
phdn
loai
ciic kho6n no- vdo c6c
nh6m no- rui
ro
cao
hon tuong ri'ng v6'i
mri'c
clQ
nJri ro
khi xay
ra mdt trong Cric trud'ng ho-p sau d6y:
.
Khi c6
nhfi'ng di6n bi6n b6t
lo.'i til tric
cl6ng ti6u cuc d6n
m6i trud'ng kinh doanh vd

linh vuc kinh
doanh;
.
Ciic chi
ti6u tdi chinh cira
kh6ch hdng
hoic kha ndng 1rd no'cua
kh6ch hdng
bi suy
gi6m;
o
Kh6ch hang
khong cung cdp cho
NgAn hdng ciic th6ng tin tdi chinh kip
thoi.
ctiv
du
vir chfnh x6c
cle Ngan hAng drinh
giri
kha ndng tra no- cua kh6ch hdng.
Dq
phdng
rrii ro tin dgng:
Vi6c tinh du
phong
cu thi duo-c cdn
cf'tr€n circ ty 16 rip dung cho
tilns nh6m
no nhu

sau:
. ii
sFIti
NgAn hing'I'MCP Shi Gdn
-
I{n NQi
Nh6m
I
2
3
A
+
5
Lo4i
|,1
l\o ou Ueu cnuan
No- cdn chfr
i,
I
l\o'ouo'r ileu cnuan
No- nghi ngo
-
t. i
l\o- co Kna nang mat
von
-
Nhd cila, vat
ki6n tr[c
-
Mriy m6c,

thitSt bi
-
Phuo'ng
ti6n vdn tAi
-
Dung cg
qu6n
ly vd
phAn
mdm tin
hoc
Tf IQ dg
phdng
cq th6
0%
5%
20%
50%
100%
9. Tiri sin c6 tlinh
i
+. t. r r
'
I ar san
co dtnh
duo-c th6 hi€n theo nguyOn
giri
tril di khAu hao lfry
k6. Nguy€n
giri

bao
g6m
todn b6 ciic chi
pni
rna Ngdn hdng
phAi
bo
ra d6 c6 duo-c tdi sAn c6 dinh tinh d6n thd'i
di6m
dua tdi
s6n d6 vdo trang th6i
sin sdng su'dung.
Tdi sAn cd dinh duo-c
tinh kh6u hao theo
phuo-ng ph6p
.,
-
.i
.
duong
thang de tru ddn
nguy6n
gi6
tei sAn trong sudt
tho'i
gian
hiLu dung u6c tinh
nhu
sau:
l0

-
25 ndm
03
-
05 ndm
06
-
l0 nim
03
-
08 ndm
Quydn
siL dung d6t duo'c
kh6u hao theo
phuo'ng phdp
dud'ng thing
phu
ho-p
v6'i Gi6y chrlng
nhAn
quyi:n
siL dung e6t.
quy6n
sir dqng
A6t vO thd'i han duo-c
ghi
nhAn theo
giri g6c
vd kh6ng tinh
kh6u

hao.
10. Tidn vd cic khofrn tuo'ng cluong tidn
Tidn
vd ciic khodn luong duo'ng
ti6n
bao
gdm
ti0n m{t, vdng,
dd
quy,
ti6n
gui
thanh toiin tai
NFINN, tin
phi6u
Chfnh
phir
vd cdc
gi6y
to'c6
gi6
ngdn han
du diOu ki€n
chi6t kh6u v6'i
NHNN, cdc
khoAn ti6n
gu'i
thanh
to6n vd tidn
grJri. cho

vay tai cdc
to
chtLc tin dung khiic
c6 thd'i han
d6o han
khong
qud
3 thdng ki tu'ngd-r
gui.
11. Cdc
c6ng cg tiri chinh
phfi
sinh
C6c c6ng
cu tdi chinh
ph6i
sinh duo-c
ghi
nhAn tr6n bang cdn AOi t6 to6n theo
gid
tri ho.p clong
vdo ngdy
giao
dich,
vh sau d6 clugc ctSnh
gi6
lai theo
gi6
tri ho.
p

ly l-o-i nhudn hoac l5 khi
cric cdng
cu
tdi
chfnh
ph6i
sinh duo-c thq'c
hi6n duo-c
ghi
nhdn trong b6o crio ket
qua
hoat ddng kinh
doanh.
t,o-i nhudn hoic 15 chua thuc hi€n duo-c
ghi
nhdn
viro khotin muc ch€nh
l6ch ckinh
gi5
lAi
c6c o6ng
cu tdi chinh
ph6i
sinh trOn bdng cdn d6i k6 torin
vd duo-c fet
chuy6n vdo kt5t
qud
hoat d6ng kinh
doanh vdo thoi diem cuoi nam.
"

SFIII
NgAn hhng
'I'MCP
Sii Gdn
-
IIA NQi
12. Ghi
nhfln
thu nhip/ chi
phi
If,i
NgAn hdng
ghi
nh6.n thu nh4p tir
lii
vd
chi
phi
ldi cJuo-c
ghi
nhAn tr€n
brio cdo k6t
qua
hoat
d6ng kinh doanh trdn co'so du
thu, du chi.
13. Ghi nhfn thu nhfp tir
phi vi
hoa hdng dich vg
Ngdn hdng

thu
phi
tir
c6c dich
vu
cung c6p
cho kh6ch hdng.
'fhu
nhAp tii'phf
c6 th6 chia thdnh
c6c nh6m sau:
o
PIti
tltu
tir viQc
cung ciip
tllch vu trong m\t
thdi
gian
nhiit cllnh:
Phi thu tir
vi6c
cung
c6p
dlch
vu trong rn6t thd'i
gian
nh6t clinh duoc du thu trong
su6t thd'i
gian

d6. Phi ndy
bao
gdm phi quin
ly.
phf
nhdn
iy thiic, hoa hdng vd cric
phi
li6n
quan
ct6n c6'p tin dung,
qudn
ly tiri
sdn,
phi qudn
ly danh
mqc vd ciic chi
phf
quAn
ly cfrng nhu
phi
tu'vAn khdc.
o
Ph[
thu
tit viQc cung cifp
dlch vg
giao
ttich: PhI
ph6t

sinh til vi6c cldrn
phrin
vd tham
gia
ddm
ph6n
c6c
giao
dich cho
mdt b6n thir
ba, vi du nhu ddn xt5p vi€c mua c6
phdn
hoqc
c6c
loai
chri'ng
kho6n
khric hodc mua
lai doanh nghidp
,
duo. c
ghi
nhdn khi hodn tAt
giao
dich li6n
quan. Phf hoac m6t
phAn
cua
khoAn
phi

rrdy c6 li6n
quan
d6n
vi€c
thuc
hi6n rn6t
c6ng
vi€c nh6t dinh sE duo-c
ghi
nhdn khi
hodn tat Aieu ki6n tuong ri'ng.
r-
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t
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t-
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bo
z
JiSHB
Ngdn
hirng
TMCP Sii Gdn
-
Hn NQi
15. Ti6n m{t, ving b4c, di
quy
Ti6n mdt bdng VND
;
,. , l
Tien mat bang ngoaiti
16. Ti6n
gii'i
t4i NgAn
hing
Nhi
nudc
425,103,583,293
201,358,461,805
31t12t2011
VND
31t12t20r0
VND
293,734,281,400
131,369,301,883
129,346.189.805
72,012,272,000

3U12t2011
VNI)
3v12t20r0
VNI)
Ti€n
gt'i
nu6'c
1
I ren
gu'l
TiAn
gri'i
thanh to6n
tai NgAn hdng
Nhd
phong
t6a
(n6u
c6)
khric
34,712.661,358 505.232.494.164
31,712,661,358
505,232,494,164
[7. Ti6n, ving
gfri
t4i cdc t6 chrirc tin dgng kh:ic
Tiin, vdng gtri
khAng kj, hgn
-
BAng VND

^1.
-
itang ngoal
le.
vang
Tiin, viing
gii'i
cti kj hqn
-
Bing
VND
^l
-
IJang ngoar te. vang
3U12t2011
VND
3U12t2010
VND
3,158,245,174,689
3.071
,464,87
6.998
86,780,297,691
I5,449,892,814,930
14.019,4r0,414,930
1,370.482,400,000
5,972,692,782,04I
5,841,526,306,889
131
,166,47

5
,153
5,663,969,027,779
5,569,309,027
,779
94,660,000,000
18,608,137,989,519
11,636,661,809,819
'
.SHB
Ngin hhng1'MCP Sii Gdn
-
IIA NQi
18. Chring khoin
kinh doanh
31t12t2011
VND
Chrtng khodn Nq
-
Cht'ng kho6n Chinh
phir
-
Chrlng khoiin No-
do cric TCTD kh6c
trong nu6'c
ph6t
hdnh
-
Chri'ng kho6n No- do cAc
'fCKT

trons
nu6'c
ph6t
hdnh
Chrbng khorin Vdn
-
Chrlrng kho6n V5n do
c6c TCTD khric
trong nu6'c
ph6t
hdnh
.
'';
-
Chung
khoan Von do c6c
TCKT trong
nu6'c
ph6t
hdnh
Chfi'ng
kltodn kinh doanh
khdc
Dqr
phbng gitim
gid
chftrtg
khodn kinh
dounh
Thuy5t minh

v6
tinh tr4ng ni6m
y6t
cua c:ic chring khoin
kinh doanh
3111212011
VND
Chfi'ng khodn Nq
A.
-
Da nrem
yet
-
Chua ni€m yi5t
Chtirng khotin Vi6n
t.
-
ua nlem
yet
-
Chua
ni6m
y6t
Chilng
kltodn kinh dounh
khtic:
i.
-
t)a nlem
yet

-
Chu'a ni€m
y6t
31t12t2010
VND
31t12t201A
VND
"
r,i
sr{B
NgAn hlng TMCP
Shi Gdn
-
IIi NQi
19. Cfc c6ng
cg tii chinh
phii
sinh vd cfc tii sin tii chinh khic
T6ng gid
lri ctra
hpp d6ng
(rheo
ty
gid
ngay
hi€u
lttc
, .)
nop uong)
T4i ngiy 3l

thdng
12 ndm20ll
Cbng cq TC phtii
sinh tiin tQ
Giao dich ky hqn tien te
343.538.671.112
Giao
dich horin
d6i
kj'
han 54.944,689.800
398"183'360'91 2
T4i ngiy 0l thing 01 nim 201 I
COng cqr
TC
phrii
sinh
tiin t(
Giao
dich kj' han tien tQ
138.561.862,265
Giao dich hodn d6i
k;J han 49,902,858,800
188,461,721,065
20. Cho vay khrich hing
t6ng gid
lri
ghi
s6 kd
ndn

ftheo
ty
giri
tqti ngdy lQp
bdo cdo)
Itti sun
268.870.2n5.694 (264.220.677,39s)
4.649.608,299
54.440.226.400
(55.054,000.000)
(613.773,600)
323,310,512,094
(319,274,677,395)
4,035,834,699
142.117.439.795
(139,903.889,155)
2,213,550.640
49.902.858.800
(55,016.000,000) (5,1
13,141.200)
192,020,298,595
(194,919,889,155) (2,999,590,560)
3Ut2t20t0
VND
Gid
tri titi
san/
L.Ong no'
(cong
no) rong

3U12t2011
VND
Cho vay c6c t6 chf'c kinh t6, cii nhdn trons
nudc

-' ' 'D
28'966'546'697'810
Cho vay
chi6t
kh6u
thuo'ng
phi6u
vd c6c
,A
glay
to co
gra
Cho thud tdi
chinh
C6c kho6n
trhthay khdch hdng
i I i
Cho vay
bang
vdn
tdi tro riy
thiic d6u tu
Cho vay
O5i vOi ciic to
chuc, cri nhdn nuo'c

ngodi
Cho vay khdc
No
cho vay duo-c khoanh vd no- chd'xir'
ly
22.168.473,454
.2,270,922,114
10.718,810,674
203,274,991,859
24,270,102,929.496
450,000.000
20,g14,017.47;
9,687,046,606_
29,2114,979,895,911
24,301,153,993,562
l0
,i'"
.'
sllll
NgAn hing
T'MCP
Sii Gdn
-
IIe NQi
20.1. Phf,n tich
chAt luqng nq
cho vay
No- du ti€u
chuAn
\

t,,
L\O- Call CnU
y
No
du6i ti6u chuAn
No- nghi
ngd'
_
:.
/
i\o-
co Klla nang mat von
20.2.Phdn tich du nq theo thdi
gian
No'ngan han
No- trung
han
No- ddi han
31112t2010
VND
23,363,669,334,977
596,554,769,933
36,L59,292,942
39.376,036,390
265.395.559.s20
29,201,,979,995,91I
24,301,153,993,562
3llt2l201l
VND
27.785.810,417,466

196.587,304,975
190.091,630,895
154.147,495,694
278,343,046,991
31t12t201|
VND
3l/1212010
VND
18.500,620,5 47,412
6,405,239,834,030
4,299,119,514,469
I
5.595,701
,01
3,
I
88
5,390,05 8,295,340
3,315,394,685,034
29,204,979,895,911
24,,301,153,993,562
20.3. Phin tfch
du
nq
cho vay theo Ciii tug'ng
khdch
hirng vh lo4i hinh
doanh nghiGp
3vt2t20rr
3ut2t20t0

VND
Oh
VND %
Clro vu1' ctic TCKT
l)oanh nghiOp
Nhir nu6c trung uong
Doanh
nghiOp Nhd ntrclc dia
phucmg
C6ng ty
'I'NFIH
Nhd nucic
C6ng t1
'l'NIIII
tu nhdn
C6ng
ty c6
phAn
Nhd nucic
^
.; ,,,
LOng [] co
pnan
K_lrac
C6ng ty'ho.'p
danh
Doanh nghi0p
tu nh6n
Doanh nghidp
c6

v6n dAu tu nudc
ngodi
Kinh t6 rqrp
th6
Cho vu.y
cd
nhfrn
Cho vat kltric
t9,966,246,s3
t,t t4
| .327 .40 |
.202.3
IiI
486. 104.30:i.097
2.63
8.1
34.52i ,1,10
5.3
85.542.70rJ.7:t 7
2. l3 8. I 44.28:i. 136
7.1 15.104.952.035
1.319.330.000
529.
I 35.389.526
328.492.63 9.3 33
t6.867 .tgt).167
9.075.96
I
.tt9
1.39 I

162"'.77 |
"'170_,106
68 17 t3,720,512,092,554
56.46
4.55
468.829.488,391
L9_l
1.66.
33.129.158.051
0.1,1
9.03
800,s04.985.460
3.29
18.44
4,572-949.481.058
18.82
7.32
1.603.339.586,917
6.60
24.36
s"531.298,442,466
22.76
0.00
600.000,000
0.00
t.8l
235,047.938.823
0.g7
| .t2 418.702.346,5
l2 | .72

0.06 56,1 10.364.876 0.23
3 1.0ti 10,568,19
I
,827,030
43.49
0.56 12,450,073,978
0.05
29.201,979.895.91 I 100.00 24.301,153,993,562
100.00
,
SHII
NgAn hAng TMCP
Shi Gdn
-
I{n
NOi
20.4. Phfln
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I
,249,066,91
I
12,178,900,I24
euy6n
sii'dung d6t
phAn
mom vi tinh
Tii
srin c6 alnn
v6 hinh
khric
C0ng
1,380,377,188,421
5,988,310,020
20,000,000,000
1,406,365,499,441
650,274,165,640 47,523,116,495
1,993,090,310
699,790,962,445
650,271,165,610 17,523,716,495
1,983,080,310

699,780,962,445
2,030,651,354,061 53,512,026,515
21,993,090,310
2,106,146;4T0F86
631,102,326
14,064,122,632
1,249,751,607 18,944,976,565
1,379,903,753,685
2,696,353,01I 16,999,315,304
1,399,599,422,000
Ting,
giim
tiri sin cd ilinh v6 hinh kj, trudc :
Don
vi tinh: VND
q"va"
,ii'o,l"e aat
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-'[,";
T'";i11,T
fi?l
co,g
Khodn
mgc
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gif
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trong kj
-

Mua trong
k)
56
girim
trong k)
sii au'cu6i ty
Gi6 tri hao mdn lui k6
56 ou ciu try
56
tlng
trong k)
,., ;
-
Khqu
hoo trong ky
- 7'dng khric
Sii
ginm
trong ki
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- Gian khdc
sri ou'cuiii xy
Gi6 tri cdn
l4i
T4i nghy
tliu
k)
. i .
|
?r

ngay
cuol Ky
705,385,289,421 4,557,058,194
20,000,000,000
674,991,899,000 1,431,251,926
-
67.1,99t,899,000 I,13I,25t,826
129,942,347,615
676,423,150,826
676,123,150,826
322,000,000 700,000,000
1,333,000,000
2,355,000,000
151,434,736 2,592,390,133
1,667,694,696
4,411,509,565
t5t,134,736 1,511,098,681
1,004,175,827
2,696.709,211
-
I
,051.291
.152 663,508,869 r.7 r
1.800.321
- 433,124
-
133,121
-
433,124
-

133. I
21
705,063,289,421
3,857,058,194 18,667,000,000
727,597,347,615
1,379,903,753,685
2,696,353,011
16,999,315,304
1,399,599,422,000
17

SH}}
Ngf,n hdng TMCP
Shi Gdn
-
[In NQi
Danh
mqc
Quv6n
sfr dunq ddt
KHOAN MUC
QUYEN SU DUNG DAT SO 16-18 DL HOA BINH-
cAN
THO
(412,4M2)
QSD
DAT
SO 31 LTK NR:18,2M2
DAf
CHUNG:31

0,5M2
(NHA
O.NGOAN B.NHAN)
QSD
DAT
31 LTK DTR;32,8M2
DTC:310,5M2
(NHA
O.THAN B.MtNH)
QSD
DAT
35A LTK DTR:32.8M2
DTC:49.2M2
(NHA
O.ctA B.THO)
QSD
DAT
33A LTK
DT:37,4M2 (NHA
O.VY
B.THOA)
QSD
DAT
35A LTK DTR:34,9M2 (NHA
O.NGUYEN
B.AN)
QSD
DAT
338 LTK
DTR:26M2

DTC:7,4M2
THUA:170/1F
(NHA
O.DUNG
B.THANH)
QSD
DAT
358
LTK DTR:1O,7M2
DTC:346,6M2
THUA:17011F
(NHA
O.DUC B.LAN)
QSD
DAT
358 LTK DTR;15M2 (NHA
O.KHANH)
QSD
DAT
SO 35LTK
DT SAN:53,8M2
DT
DAT
CHUNG:395M2
(NHA
O.QUYEN)
QSD
DAT
LO A21
NGUYEN

VAN
LINH,NAM
DUONG,HAI
CHAU,DN
SO DO BE
579491
QSD
DAT
SO 35 LY
THUONG
KIET
HOAN KIEM
HA NOI
SO DO
88916410
QSD
DAT
SO 35 LY
THUONG
KIET
HOAN
KIEM
HN
SO DO
88916409
QSD
DAT
SO
35 LY THUONG
KIET

HOAN
KIEM
HA
NOI
SO DO 88916408
QSD
10
VONG
DUC
(HO
NHA NGUYEN
THt
CUC)
QSD
SO
1O VONG
DUC(HO
NHA
ONG
THA
QSD
NHA
31 LY THUONG
K|ET(BA
K|EN
QSD
175-177
NHA
TRANG
KHANH

HOA
DAT
358
LY THUONG
KtET(HONHA
ONG
QSD
SO
01 NGUYEN
VAN
CU DA
LAT
QSD
TUYEN
SON DA
NANG (41.531M)
KHU
DAT
TUYEN
SON DA
NANG
(6.157,
QSD
14HA
HOA
MINH
LIEN
CHIEU
DA
NANG

QSD
DAT
CLB
SHB DA
NANG(CO
TG
SD 50
NAM)
QUYEN SD
DAT
33 LY'|HUONG
KIET
HA
QSD
DAT
SO
31 LY THUONG
KIET
QSD
DAT
77
TRAN
HUNG
DAO
QSD
DAT
SO
33
LTK,
6,8 VONG

DUC
QSD
DAT
TAI
CN CAN THO
- 1
38
.
D.3-2, TP.CAN
THO
QSD
DAT
TRUONG
XUAN
QSD
DAT
BINH
THUY
QSD
DAT
-GARAGE
XE
QSD
DAT
THANH
QUOI
QUYENSU
DUNG
DAT
NHA

89 NGUYEN
VAN
LINH-DN
QUYEN SU
DAT NHA
SO 91
NGUYEN
VAN
LINH
QUYEN SU
DUNG
DAT
3l/12/2011
3ut2t20l0
67,335,000,000
38,104,105,500
61,769,634,500
43,846,530,500
43,843,170,500
43,837,170,500
65,575,555,000
56,578,267,OOO
100,900,535,500
153,201,930,000
63,253,416,640
101,872,527,OOO
245,332,905,000
239,815,317,000
30,449,760,000
22,523,867,OOO

43,705,068,000
18,O37,226,100
107,220,759,OOO
7,483,603,600
129,138,454,546
18,473,400,000
37,518,036,000
7,257,897,674
126,528,711,580
12,881,587,000
78,319,970,000
49,001
,464,795
650,000,000
300,000,000
637,8'12,000
408,080,000
253,800,000
4,376,174,O00
4,376,980,400
5,211,535,400
67,33 5,000.000
3 8, I 04, I 0s,500
61,769,634,500
43,846.530.500
43.843,
I
70.500
43.837
.l70.500

65,575.555.000
56,578,267,000
r 00.900,53
5,s00
153,201,930,000
30.449.760.000
22.523.867.000
43,705,068.000
18,037,226.1}tt
t0'7
,220.7
59
,00t)
7.483.603.600
129,138.454.546
18,473.400,000
37,5
r
8.036,000
7.41s,56s.264
126,528,71
r,580
r
2,881
,s87.000
78,3 19.970.000
49.001.464.795
650.000.000
300.000.000
637,812.000

408,080.00(r
253.800,000
4.376.t71.000
4,376.980,400
5.21|,535.400
2,030,020,251.735
1,379,903,753,695
lti
SH I}
NgAn hhng I'MCP
Sdi Gdn
-
lle NQi
26. Tii sin C6 khfc
Cric khodn l6i,
phi phaithu
Chi
phf
xAy du'ng co brin
do'dang
Ciic kho6n
phAi
thu
(*)
Duphdng
riri ro cho
c6c tdi sdn C6 khdc
Tdi sin C6
kh6c
(*):

Khdng
bao
g6rn
tdi
27. Chc kho:in ncr Chinh
sin thu6 thu nhdp hodn
lai
vd ciic khoan
phdi
phri
vi
NIINN
5,587,414,201,213
4,261,547
,444,413
thu til c6c
giao
dich n6i b6
3U12t2011
VNI)
31t12t2010
VND
|
.672,259.197
^7
5 |
53,820.545,107
1.765,076,108.073
2.096.258,350,282
979,580,778.436

167,766,500,923
1,623,392,949,
l3g
1
,490,807
,216,916
3111212011
VNI)
31t12t2010
VNI)
Vay NIINN
^
^
,.t
Vay
Lar cap von.chrct
gi6Ly
td'c6 giri
Vay
khrlc
Vay
BQ Tiii
chfnlt
Ctic
kltodn ngt khtic
khdu,
tiii chi6t khAu
2,184,5
54,872,526
2.1 u4.554.872,526

903,716,150,912
903.716.150.812
28. Ti6n,
ving
gii"i
cdc t6
chric tin dgng
khfc
Ti€n, vdng
gui
klrAng
kjt
ltgn
-
Bing VND
r-l
-
Bang vang
vd
ngoai
tc
Tiin,
vdng gfri
cti kj, hqn
-
Bing
VND
n:,
-
Bdng vang

va ngoai
tc
2,1l14,554,872,526
903,716,150,912
3t/12t2011
VND
31tI2t20tA
VND
4,960,133,659J9A
4.960.018,877.136
n4.782.254
8,3I1,405,160,554
8.089,399.
I
60.5
54
222,006,000,000
13,271,538,919,944
3,073,462,954,910
3.073.432.231,736
30^723.t74
l2,B-i
5,620,442,000
| |
.7
52.564.442.000
1,0{t3.056.000,000
15,909,083,396,910
l9
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NgAn hhng TMCP
Siri Gdn
-
IIn NQi
29. Ti6n
gri'i
cria
khrich
hing
Thuy6t minh theo lo4i
tidn
gili:
30.
V6n
tAi
trq, riv
th:ic dAu tu,
cho vay td
chric tin
dung chiu
riii ro
31lI2l20lI
VNI)
Vdn nhdn
tdi tro,
uy
bing VNI)
-ri
r
^

von
nnan
tal tr0.
uy
bang
vdng,
ngo?i te
th6c
ddu tu. cho
vay
TiAn, viing giri
khdng
kj, h{n
1
-
Tiin
gu'i
khong k! han
bdng VND
-
Ti0n
gi'i
kh6ng kj,han
bing vdng,
ngoai
te
-';
Ti?n, vdng
gri'i
cti kj, hqtn

-
Ti6n
gri'ic6
k! han bdng VNI)
T.:
-'l-iin gu'i
co k! han bang virng. ngoai td
Tiin
gri'i
vdn
chuy\n clilng
^,^
Iren
gu'r
Ky
quy
th6c ddu
tu, cho vay
34,8t1,646,891,955
25,640,842,032,967
3U12120t0
VND
31t12t201|
VND
4,29 5,134,907,54
5
3.634.
t45,934.034
660,988.873,51
I

30,363,221,310,774
28.369.402.675,274
1,993,8
t 8.635,500
6,902,523
I56,283,861,013
31t12t20t0
VND
4,167,896,3
77,526
3,757,816,940.299
410,079,437,229
21,3
54,186,409,455
I
9,608,605,010,047
I
,745,5
81.398.408
3,787,913
I18,755,458,973
'225,463
^090,000
922.932,419
379,506,900,000
891,341,657
226,386,012,419
380,398,241,657
20