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tich
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,
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to:in truong
I]6 nhi6m ngdy 16 th6ng 6 ndm 2008
116 nhi0rn ngdy l6 th6ng 6 ndrn 2008
116 nhiern
ngdy l6
thdng
6 ndm 2008
l]6
nhi6rn ngdy l6 th6ng 6 ndm
2008
116 nhiem
ngdy l6 th6ng 6 ndm
2008
lld
nhidrn ngiry l0 th6ng
It ndm 2010
116 nhiern ngdy l6 th6ng 6 ndrn
2008
llo nhi6m ngdy 20 th6ng 5 ndm 2009
116 nhiem ngdy l6 thLing 6 ndm 2008
116 nhiem ngdy l6
thring 6 ndm 2008
116

nhiem ngdy 16 thring 6 ndm 2008
I]6 rrhiern rrgdy 20 thring 5 ndm 2009
'l
di bd nhidnr ngdy 08 thiing 5 ndm
2007
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nhi6rn ngdy 0l
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116 rihiOrn ngdy 05 thring 6 ndtn200l
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rr ngity, 27 thring 7 ndrn
2008
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-
'l-P.l
Id N6i
-
Vi6l.
Nam
2.
Dic di6m ho4t dQng
ciia t6 chric
tin dgng
Ngin httng'l'hutrng
rrral Co
phrirr
Sdi
Gon
*
HA Noi
(clLrrii
dA1'
goi
tit ld
"NgAn
hdng") ld nr6t
ngAn
hdrrg thuong mai crl
phin Vict Nanr thdnh ldp
tai rrrLtic
('6ng

hoa Xd h6i Chn nghla Vi6t Narn
voi thd'l
gian
hoat ddng
lA 40 nirr tlico
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thdrrg
ll ndm l993 cira NgAn hdng
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NgAn hing l'Mcl'}
Sii Girn
-
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Nhd nu'ric
Vi6t Narn. Vfrn diOu l0
cua
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hdrrg tai ngiry' 3lll2l201l
ld 4.815,795,170p00
d0ng
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nghin 16m trdm rnurii ldrn
ty
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-
'l'rAn

I ltLng l)ao -
Q.l
Iodn
Ki6m
-
[ td Ndi
-
Vi6t Narn.
Tai rigdy 3110312012. NgAn hdng c6 2641
rrhdn vierrr
([)au ndm 20l2:2514
rrhArr vi6n).
3.
't'6m
tit cdc chinh s6ch k6 to{n chir
vdu
Chu6n muc
vi
chO
ctQ
t<ti
to:in
rip
clgng
NgAn hdrrg
trinh
bAy c6c b6o crio liri chinh bang clong Vi6t Narn
(VND)
theo Luat
cdc

'l'd
chr1c Tfn dung, [,uAt sira ddi vd
b6 sLrng mdt sd didr,r trong LuAt c6c
'l'6
chric
'l-in
dung, cac chuAn
rnuc kd toiin Vi6t Nam
vA llc th6ng K6 toiin ciic
1d chfrc tin dr.rng Viet Nam.
Kj'bfo c:io
vir do'n v!fiAn
tQ
Kj'bAo ciio cfia
NgAn hdng
bat dALr tir
ngdy 0110112012
vd k6tthirc vdo
ngdy 3110312012.
I)o'n vi
tidn td s[L clung
trorrg
ghi
chdp
k6 toiin
lA
d6ng
Viet
Narn
(VND).

1. Nguydn
tic
ghi
nh{n c:ic
nghi0p
vu bing
ngoiri 1Q
vd
quy
tl6i
]'hco
h0
rh6ng
kC to6n
cira NgAn
hdng,
tat ca ciic
nghiip vu
ph6t
sinh cria
NgAn hdng dLLo-c
hach toiin theo
nguy€rr ti.
I'ai thoi diern
cudi ndrn,
liri sAn vd c6ng no co ngr-rdn
g6c
ngoai tC duo-c
quy
d6i sang VND

theo 1y
gi6 quy
<linh vdo
ngdy
ldp bang cAn ctOi t<6 to6n. Ciic
kho6n
thu
nh6p vir
chi
phi
bing
ngoai tC crra Ngdn
lidng cluo-c
hach todn
hirrg
VNI) theo 1i
giri
vAo
ngdy
pliiit
sinh
th6ng
qr"ra giao
dich mua bdn
ngoai t0. Chdnh
lech t1'gi6 do drinh
gid
lai ciic tdi khoan kinh doanli
ngoai te duoc hach
todn vdo b6o crio

K6t
qud IIoat d6ng
Kinh
cloanh vd
lo'i nhuAn
Oe
t4i. Chdnh
lQch ty
gi6 ph6t
sinh
do
quy
doi cdc
tiri san vd
cdng no kh6c
birrg ngoai te sang
VND
dtro-c xil ly
vdo doanh s6 cira
c6c khodn
muc tuong ilng
tren bhng cdn
d6i k6 loiin viro ngdy lAp brio crio tdi
chinh.
5.
Chri'ng khofn diu tu
gifr
d6n
ngiry d:io
h4n

ChiLng kho6n
no-
giir
den
ngiry cldo han
ld
c6c
chflng khodn co ki han c6 dinh vh ciic khoan
thanhto6ncOdinl.thodcccith6x6cclinhduo.crallan
Iting(iiArncl6cc6yidinhvdc6khandnggiir
d5n ngdy
ci6o han.
NgAn hdng dang
glii
nhAn ciic
chlLng
khoiin niry thco
gi6 gdc
c6ng
ldi dr-L thu trir
ldi cho
phAn
b6. Gi6
tri
phLr
tr6i
hoic
chi6t
khAu
(n6u

cti) cirng
clLLo-c
phdn
6nh
viro
giai
tri
ghi
so ctra
khoan
dAr-r tu.
Lii dr.roc clLl
thu
hodc
phAn
bo thco
pltrtottg
plrAp
drrong
thang.
('hilng
klioiin dLroc
giu'd6n
khi clrio han
sc dur.rc
xem xct
ve khA
ndng
giam gi6.
Chfing

kho6n duo-c
lAp
du
phdng giarn
gi5
khi
giri
tri thi truong
nho
ho'n
gid
tri
ghi
so.
I)g
phong
giArn gi6
duoc
ghi
nhAn viro bao cdo
kit
qui
hoat d6ng kinh
doanh.
SHB
NgAn hirng'|'MCI'
Shi Gdn
-
IIn
NOi

6.
Chfnfi kho{n df,u tu
sin sing 116 brin
Chflng khoiin
dAu tu sin sdng d0 brin ld ciic chflng khorin
dLloc
giil
trong
thoi
gian
khdng
An
dinh trLroc. co
the duo-c birrr Oti aap [r'ng nhu cALr tlianh
lihoan
hoac cli ung pho voi
trLLilng
ho-p thay
ddi lai sLrat. ti
giri.
hodc
giri
tri ch[Lng kho6n. NgAn hing clang
ghi
nhdn c6c
cli['ng kho6n ndy theo
gid g6c
cdng l6i dr-r thu tril ldi chd'
phAn
UO. C;ia tri

phu
tr6i liodc
chi5t kh6u
(n6Lr
c6) cring dr,Loc
plidn
6nh vdo
gi6
tri
glri
so
cua
l<hoan
dAu
tu'. Ldi dLLoc chL thu hoac phAn
b6 theo phu'ong phdp
dud'ng thlng.
(iric
chilng
kho6n rrdy dr,Lo-c d6nh
giri
dinh kj'thco
giii
tri thi trr.Ld'ng vd
clrL
trrhong
giarn
giri
tri se durrc lap khi
gid

tri thi truo'ng nho horr
gid
tri
ghi
so.
l)Ll
phdng giarn giA
clu'o'c
ghi
nhdn
vdo
b6o
crio kdt
quA
lioat d6ng kinh doanh.
7. Chf'ng khoin kinh cloanh
ChiLng
khoiin
kinh doanh ld chu'ng
khoan
ban dAr-r dttoc
tnua va nam
giiL
clro
rnuc dich kinh
doanh
trong ngirr
han hoic
n6u I an
1'6ng Gi6rn

ddc
qLr1,6t
dinh
nhrL vdy. NgAn hdng dang
ghi
nh6n
c6c chfrng
khodn ndy
theo
gi6 goc
viro
ngdy
giao dich.
'l'rong
c6c
kjr tiip thco. cac chfing
khorin ti6p
tuc clrLoc
ghi
nhAn theo
gid
goc.'l'ur rrhiOn,
gi6
tri
thi tlu'o'ng cua ctic chfLng
kho6n vAn duo-c Ngdn
hang theo
c16i dC ct6nh
giA
ve fna

nang
gidm gi6
khi
gia
tri
tlii trLx)ng thAp hon
giir g6c.
Ngoai trir
rruLdrrg hop
khong thc:ac clinlr
gia
tri thi
tntong
rnot cae h clric chin thi
gi6
tri cua chung dttoc
(irrh
dua trdn
nguydn
gi6 saLr khi trir cli ton th6t
Lr6'c tinli
(rreu
c6).
l,di lrodc 16 tir kirrli doanh chiLng
klrodn dutrc
ghi
nlrdn
trcn bdo cdo kit
qua
hoal clong

I'irrlr
doanh tltco
s0
thuAn.
8. Cic kho:in cho vav
C6c l<hoan cho vay ngdn
han c6 kj'han dLtcii
I nirr: cdc lihoAn cho
vay
vd cho
thud
tdi
chinh
trung han c6 k! han tir
I narn dOn 5 narn vh c6c
khohn cho va1 r,'ir cho thue tai
chfrrli cidi
han
ci,
ky
han lr6n 5 niim kd til ngdy
giai
ngdn.
Vi0c
phdn
loai
no- vii lAp dLl
phdng
rui
ro tfn dung duo-c tirrLc hien

thco
Quytlt
dinh so
4g3l2005lQI)-NI{NN ngdy 22 th6ng
4
narn
2005
vd
Qr,ry6t
dinh s6 lSl2007IQD-NHNN
ngdy 25
tlr6ng 4 nlam 2007
cua
'l'hong
cloc NgAn hdng Nhd
niL6c
Vi61 Nam. Ciic khoAn
cl-ro vay duo-c
phAn
thdnh
ndnr nhom no-
cdn
cil vdo tinh hinh tra no vd
cdc
1eu
rd clinh
tinh nhu sau:
Nhdm l. l{o ctu
tiatt t'htrutn
r

( iic
khodn no trong
han m2r
NgArr hdng
cLinh
gid
ld ctl clu
kha ndng thu hdi dal clu
,:a
g6c
vd
ldi ctring tho'i
han;
.
Cdc
khoan
no'qu6 han diLti'i
10 ngAy
va NgAn hdng cl6nh
gi6
ld
c6
kha rrdng tltu
,r,'i
dAy du
g6c
vd l6i bi
quri
han vd thu hdi
dAy dLr

.eOc
va ldi drhng thoi han cdrr lai:
l,,lhdnt 2. lVo'cdn chti
1i
o
(l6c
khodn no-
qu6
han 1iL
l0 ngdy din
90 ngav:
,, o
Oitc khodn no didu chinh
kj,han tra no
lArr
clALr;
SFI
BT
Ngfln hing
l'MCl'
Sii Girn
*
Iln N6i
o
(lackhoannoc()ceulailht)i
hantrAno-tror.rglranthcolhdi
handuo-ccocdulai.
Nhim.l.
Vrr
tltrcri tit;rt t'htrun

.
Ciic khoAn ntr
qua
han tir 9l
d6n
180 ngdy:
r
(ldc
khoan no co
c6u lai tlioi han tra
no lAn
dALr. tri czic khoan
no- dieu
chinh k! han tra
no- lAn dAu
phAn
loai
viio
nhorn 2;
.
Cdc khoin no- duo-c miSn hoac
gi6rn
l6i do lihiiclr hirng
kh6ng dn kha
niurg trir lai
dA1,du
tlrco ho-p dorrg rirr dung:
Nlrdm 4:
lfo nghi ngd'
.

Cdc
khodn ntr
qu6
han tt 181
dcn 360 rrgi-r':
o
(liic
khoan
no
co cAu
lai thdi
han tra nrr lAn cldu c1'rii han drL6'i 90 rrgdy'thco thd'i
han
1ra
no- duo-c co cALr
lai ldn dAu;
o
C6c khodrr
'-to-
co'cau
lai thd'i han
1ra no- ldn thiL
hai:
Nhdm 5; l/,o cti
khti ncing
nuit ttdn
r
(l6c
khoan
r-ro-

qu6
han trOn
360
ngdy:
.
('dc
kliodrn
no
co
c6u lai tho'i
han tra no
lnn
dALr
c}r6 han tir 90 ngiiv tro' l6n theo thdi
harr trd no duoc .,t cAu
lai ldn cJALr;
o
Cl6c
khorin no co' cAu
lai thd'i han
trA no lAn thiL hai
qu6
harr thco thd'i han tra r-ro
drLoc co c6u
lai lAn
thil
hai;
.
Ciic
khodn no- co cAu

lai thd'i han tra
no'
lArr
thir ba
trtr
len, ke ea
chua bi
quii
han
hodc dd
qud
han:
.
C6c klioiin no' khoanh.
no-
chd'xu'
l1';
'l'hco
Qrly6t
dinh
tu +SZ|ZOO5IQD-NIINN
ngAy 22 rl'riu'rg
4'ndrn
2005 vd
Quy'6t
dinh s6
|1I2}}7IQD-NIINN ngdy
25
th6ng
4 nlam2007, c16i v6i cac khoan no

qu6
han.
t6 chri'c tfn clung
phdn
loai
lai
vdo nh6m
no
c6
rui ro
th6p
ho'n khi NgAn hdng d6nh
gi6
ld
c6 dfi kha ning thu h6i dil
dt cA
g6c
vd l6i: vd khdch
hdng c6 thi li6u, hd so chilng rninh cdc nguydn nhdn ldrn khodn no ndy
qud han duoc xu ly, khic
phuc. Ngdn hdng chu cl6ng 1u'qu1'0t
dinh
phin
loai ciic khoAn nc viur cAc
nh6m no
rui ro
cao
hon luong irng
v6i rn['c
d6 rui ro

khi xail'ra tn6l trong c6c trudrrg ho-p sar,rciZil':
.
Khi c6
nhilrrg di6n
bi6n bAt
lo. i 1iL
liic clong tieu cuc
d6n m6i trud'ng kirrh doanh
vd
linh vuc
kinh doarrh;
.
Cac
chi tieu tdi cliinh
cua
kh6ch hdng
hoirc kha ndng tra no cita kh6ch hdng bi su1'
giani:
o
Kh6ch l"rdng kh6ng cung
c6p cho
Ngdrr hiurg ciic thdng tin tdi chfnh kip thoi. iIAl' clu
ra cltirrlt xdc di Ngin
hAng danh
gia kha rrartg It'r ttt.rcua lihach hang.
Dr,r
phdng rrii ro lin clgng: Vi6c
linh dtL
phdng
cu thC drrcrc cdn c[L trdrr cac ty 16 6p dung cho

tirng nh6nr
no nhlL sau:
.
sll $l
Ngdn hhng
'l'MCl'
Siri Gdn
*
lIe NQi
9.
Nh6m
I
2
3
4
5
I'ii srin cti dinh
Logi
No
clu tiOu
chuAn
I
,,,
r\o-
carl
cllr.l
)'
No- drL6'i ti6u chuAn
No- nghi ngo
-

A. ;
No- co
Klra nang rnat von
- Nlid cua, vAt
ki6n
tnic
-
May
rn6c, thi5t
bi
-
PhrLo'ng
ti0n vAn
tAi
- l)r-rng cu
quan ly
vd
phAn In0tr-r tin hoc
Tn 19
dg
pht)ng
cg th6
004
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200
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l0
- 25 n[m
03

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05
ndm
06
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l0 nbrn
03
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08 ndrn
'l-di
san cO clinh dr"roc
th€ hi6n theo
nguydn
gi6
tri
cli
khALr hao liry k6. Ngr-ry0n
gi6
bao
g6m
todn b6 cdc chi
phf
rnd
NgAn hdng
phAi
bo ra cli
c6 duoc tdLi
shn c6 dinh tfnh d6n thd'i di6m dua
tdi
san d6 vdo

trang thiii
sin sdng
siL dung.
'l'iri
san
co clirrh dtLoc
tinh kh6tr hao thco
phuo'ng phrip
r: !).
duong
thirng de
trir ddn
ngu1,6n
gi6
tdi san
trong
sudt tht\i
gian
hin-r dung rL6'c
tinh nhu sau:
Quyi:n
su'clung
d6t clrLo'c
khAu hao theo
phLtong
phrip
duilrg thdng
phir
ho-p voi Gi6y chu'rrg
nhdn

quydn
sir dr rng
O6t.
quyen
sir dung
e6t vO thd'i
harr dr-Loc
ghi
nhAn theo
giri g6c
vd
khdng tfnh
kh6u
hao.
10.
Iiiin vi cfc
khoin tucrng
ttuo'ng
ti6n
'I'i0n
vei
c6c khoan trLo'ng
cluong tidn
bao
g6rn
tien rna1. vdrrg. ct6
quli,
tidn
giLi
thanh

toirn tai
NHNN.
tin
phi6u
Chinh
phLi
vd cric
gi6y
to'c6
gi6
ngin
han
du
di6u ki€n
chi€t
kh6Lr voiNIlNN, c6c
kho6n ti0n
gLLi
thanh toan vd
tidn
g[ri,
cho
vay
tai cdc t0 chftc tfn dung kh6c c6 thd'i
han
<16o
han
khdng
qu6
3 th6ng

k6 til'ngdy
giri.
11.
Cfc cdng
cu tii
chinh
phdi
sinh
Ciic cdng
cu tdi
chfnh
ph6i
sinh
chLo'c
ghi rrhAn lren
bang cArr
doi ke todn
theo
gi6
tri
ho.p ddng
vdo
ngiry
giao
dich.
vd sau
cJ6 ducrc
d6nh
giti laitheo
gi6l.ri ho-p li.

I-oi nhudn hoac
16 khi c6c c6ng
cu tdi chfnh
phdi sinh drLo-c
thr.rc
hiQn drLo.
c
ghi nhAn lrong
beio c6o
kdt
qud hoat ddng kinh doanh.
t,o-i nhudn
holc 16 chua
thuc
hien du'o-c
ghi
nhdn
vdo
khoan muc chOnli
l6ch diinh
gi6
lai
ciic
cOng
cu tdLi
chinli
phiii
sinh
trin
bAng cdn

d6i k6 to6n
vd clutrc
k5t chLry0rr vdo
k6t clua hoat d6ng kinh
doanh viro
tho'i di6m cLroi
Irim.
SFI
Ei
Ngin
hhng
I'MCP Shi
Gdn
-
Iln NQi
12.
Ghi
nhAn thu
nhip/
chi
phi lfli
NgAn
hdlg
ghi
nhAn
thu
nhAp
1il ldi
vd chi
phi

ldi lren
b6o cao
kit
qua
hoat
ddng
kinh doanh
tr0n co
sti drL
thu,
dr"L cl,i.
13.
Ghi
nh$n thu
nhip tir
phi vir
hoa hiing
dich
vU
NgAn
hdng thu
phf tiL c6c
dich
vu cung
cAp
cho
lthach
hdng.
'l'hu
rrhdp til

phf
c6 th6
chia thdnh
c6c
nhom
sau:
o
lrhf
tttu
tit
viQc cung
ciip
ttlch
vu
trong
mQt
thdi
gian
nhiit
tllnh:
I'hi
thu tu
vi6c
"1-,ng
.ap
dich
vu
lrong
m6t
thd'i

gian nh6t
dinh
cfuxrc
du thtr
trong
suot
thoi
gian
d6.
Phi
ndy
bao
gorl
p5i
qlau ly.
phi uhan
uy
thdc.
hoa
lrorrg
rA cic
phi liin
qrrarr dcn c6rp
lin
dung.
qLran l! tdri
sdn,
phi
qu6n ly
danh

muc
vd c6c
chi
phf cludrr
ll,citng
nhr"r
phittl
vAn khdc.
o
phl
thu
tit'r,i€c
cung
cip
ttlch
v4
giao dlch:
Phi
phiit sirrh
til vi0c
cldm
ph6n vd
tharn
gia ddm
ph6n
c6c
giao dich
cho
m6t
bdn

thiL
ba.
r,f
clu rrltu
dAn
rep
viic
trtua
co
phAn hoac
c6c
loai
chri'ng
kho6n
kh6c
hoac
mua
lai doarrh
nghiOp
,
clr.xrc
ghi
nh4n
khi
hodn
tAt
giao
dich
li6n
quan.

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ho6c
m6t
phAn
cia
khoan
phi ndy
cti
licrr
quan
d€n
vi6c
thuc
hiQn
mdt
c6'g
viQc
nh6t
clinh
se
duoc
ghi nhdn
khi
lrodn
tAt
dic\u
ki6n
tirong
itng.
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tai Ngffn
hing
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tai
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phu
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ty
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