ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất năm 2011 td bảng cân đối kế toán

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cli6u 16
"
TiAn
thu tu phit
hdnh
gidy
ttr c6
gi6
drii
hpn c6 tiu
di6u
ki0n tinh
-
v?io
v6n
1u c6 nl
cric khcin

v6n vay
di han
kh6c
.
Tidn
chi thanhto6n gidl,td
c6
gi6
drii
hain c6 thi
di6u ki6n
tinhvdo
-
v6n
tq
c6 vi c6c
khtnn r,5n vay
di
han kh6c
4
C6 uc rrA
cho c6
ddng. lqi
nhudn d
chia
(*)
5
'fiAn
chi
ra mua

c6
phi6u
ngAn
qu! (*)
6
'l-i€n
thu
fut-yc do
b6n c6
phi6u
ngAn qu!
Luu chuy6n
tii:n
thuin tu
hoat il6ng
tri
chinh
I\r
l-rru
chuy0n tidn
thuin
trong
kj
\'f
i in
vri
cic
khorin
turmg
dunng

tidn tai
thni
tfi6m tliu
kj,
\'l
l)i6u chinh
rinh
huri.ng
cria
thay ddi
ti
giri
VII
Tiin vi
cric khorin
tumrg
ilutmg
tidn
tai thtri
tli0m
cuiii ki,
K6 torin
tr uirneiQjt
,/
\gu.y?n
Thi
.\goc Ounh
tr'itth
Thi Lon
Ph mms

35
36
-)l
38
39
40
1l
12
13
11
45
r,3
I 8,276,400.000
0
(
I 79,385.600,000)
(220.r93.050,420)
t)
0
918,697,7d9,580
,f
,.125,021,906,890
9,502,069,783,2
5(l
0
13,927,091,690,111
1.547.5
19.070.000
(
409.00

5,63
9.500)
(303.0s4.000)
I,138,210,376,500
3,080,s33,t
54,391
6,,t2
t
,536,628,859
9,502,069,7
83,2
50
Lip bi0u
V
,ry
ngay
3l
thdng
0l ndm
6v:
S
{tu \i'
c0'iliAiill
t
-
THUYET
MINHBAO
CAO
TAI
CHINII HOP

NHAT
Cho ndm 201 l
,,
sHli
NgAn hdng TMCP
Shi Gdn
-
Hn
NQi
THUYE'I MINH BAO
CAO
TAI
CUIXU
HOP
NHAT
NAM 2OI1
1. Thdng tin v€ ngAn
hing
Gi6y
ph6p
ho4t ilQng
0041-NH/GP ngdy I 3 thring I I ndm 1993
GiSy
phdp
hoat d6ng do NgAn hdng Nhd nu6c Vi€t Nam
cAp
Thoi han hoat
ddng cua
Ngdn hdng la 40 ndm k€
tu ngay c6p

gi6y
phdp
ddu ti6n.
HQi tlOng
Quiin
tri
6ng
D5
Quang
Hi6n
Ong Nguy6n Vdn L0
Ong
Nguy6n Vdn HAi
6ng
TrAn Ngoc Linh
Ong'frAn'Ihoai
Ong t.€ KiOn
-l'hdnh
Ban
ki6m
so:it
Bd Ddm Ngoc
Bich
Ong Nguy6n Hiru Dfc
Bd Nguy6n Thi Hdng Uy€n
6ng Luo'ng Dfc Chfnh
Ong
BiriThanh TAm
Ong
Pham Hoa Binh

Ban'I6ng Gi:im d6c
Ong Nguydn V[n
LC
Ong
Ddng Trung D[ng
Ong
BniTin
Nghi
Ong L6
Ddng Khoa
Pham VIn
Thdng
NgO
Thu Hd
Ninh
"l'hi
l-an Phuo'ng
Truo'ng ban
Ph6 Truong ban
Thdnh vi€n
Thdnh
vi6n
Thdnh vi€n
Thdnh vi6n
'f6ng
Gi6m d5c
Ph6 T6ng Girim d6c
Ph6 T6ng Gi6m d6c
Ph6 T6ng Gi6m d5c
Ph6 T6ng Gi6m d6c

Ph6
T6ng
Girim
d6c
K6 torin
trudng
Bd nhi6m ngdy l6
th6ng6 ndm 2008
BO nhiQm ngdy
16 th6ng 6 ndm
2008
BO nhiQm ngdy l6
th6ng 6 ndm 2008
BO nhi€m ngdy l6 th6ng 6 ndm
2008
86
nhiQm ngdy l6
thang
6 nim
2008
86 nhiQm ngdy l0 th6ng 8 nam 2010
B0 nhi6m ngdy 16
th6ng 6 ndm 2008
B6 nhiQm ngdy 20 th6ng
5
ndm
2009
Bd nhiQm ngdy 16 th6ng 6 ndm
2008
86 nhiQm ngdy

16 th6ng 6 ndm 2008
86 nhiQm ngdy 16 th6ng
6
ndm
2008
86 nhiQm ngdy 20 th6ng 5 ndm 2009
T6i
bO
nhi€m ngdy
08 th6ng 5 ndm2007
86 nhiQm ngdy
0l th6ng 9 ndm 2006
86 nhiQm
ngdy 05 thring
6
ndm2007
Bd nhiQm ngdy l0
th6ng4 ndm 2009
86
nhiQm ngdy
01 th6ng l l ndm 2010
86 nhiQm
ngdy 15
th6ng 3 ndm 201
I
86 nhiQm
ngdy 27 thdngT ndm 2008
Chir tich
uy
vren

Uy vi€n
uy
vlen
LJy
vi€n
Thanh
viOn ddc
lap
-Iru
so chinh
SO ll
-
frAn
Hung D4o
-
Q.Hodn
Ki6m
- TP.Ha Noi
-
Viet Nam
2. D4c ili6m
ho4t tlQng
cria t6 chuc
tin dgng
Ngdn
hdng Thuong
mqi Cd
phAn
Sdi Gdn
-

fld Ngi
(dudi
ddy
goi
t6t
ld
"Ngdn
hdng") ld m6t
ngdn hdng thuo-ng
mai
c6
phAn ViQt Nam thdnh
lap tai nu6'c Cdng hda Xd
hdi
Chu
nghTa
Vi€t Nam
v6i thdi
gian
hoat dQng
ld 40
ndm theo 0041-NHiGP
ngdy 13 th6ng 11
ndm 1993
cta Ng6n
hdng
,{ilSHB
NgAn hhng TMCP
Sii Gdn
-

HA NQi
Nhd nu6'c Vi€t Nam. V6n
di€u
l€ cta NgAn hdng tai ngdy 3111212011 ld 4,815,795.470.000
dong
(Bdn
nghin t6m tr6m muo'i l6m t! bAy trdm chfn ldm
triQu
b6n
trdm
b6y muoi
nghin
ddng).
FI6i so'chinh cua NgAn hdng d4t t4i 36 77
-
TrAn Hu'ng Dao
-
Q.Hodn
Ki6m
-
Ha Ngi
-
Vi0t Nam.
Tai ngdy 31ll2l20l1, Ngdn
hdng
c6
2840 nhdn vi€n
(DAu
ndm 20 ll: 2022 nhdn
viOn) .

3.
T6m tit cfc chfnh sfch k6 torin chii
y6u
ChuAn mrlc vh ctr6 Og k6 torin rlp dgng
Ngdn hdng trinh bdy
cdc
b6o ciio
tdi
chfnh bdng ddng ViQt Nam
(VND)
theo LuAt
cac To
ch[rc
Tin dung, LuAt sua d6i vd b6 sung mOt s5 diOu trong LuAt ciic T6
chfc Tfn dung. cac
chuAn
muc k6 to6n Vi€t Nam
vd
HQ th6ng K6
to6n cac t6 chuc tin
dung
Vi€t Nam.
Kj brio c:io
vir
tlcrn
vi ti6n tQ
Kj,
b6o
ciio c0a
Ngdn hdng bat dAu tir

ngdy 0ll01l20ll vd k;5t thfc vdo ngdy 3lll2l20ll.
Don
vi
ti€n
tQ sri'dqng trong
ghi
chdp
k6
to6n
ld ddng ViQt Nam
(VND).
4. Nguy€n
tfc
ghi
nhfln cfc
nghiQp vg blng
ngoai tQ vh
quy
tl0i
Theo
h€ th6ng k6 toiin cira Ngdn
hdng, tht cd c6c nghiOp vu
ph6t
sinh cua Ngdn hdng
duoc
hach to6n
theo nguy€rr te.
Tai
thoi diem
cu6i nAm, tdi s6n vd c6ng no- c6 ngu6n

gdc
ngoai
td du'o-c
quy
d6i
sang VND theo t!
giri quy
dinh vdo ngdy lQp bang cAn d6i kC to6n. C6c khoan
thu nhdp vd
chi
phi
bing ngoai tC cua
NgAn hdng
cluoc
hqch todn bing VND
theo ty
gia
vdo ngdy
ph6t
sinh
thOng
qua giao
dich
mua
biin
ngoai
t0. Chdnh
lQch tj'
giri
do cl6nh

gi6'
lai ciic tdi khoAn
kinh doanh
ngoai
tO cluo.
c hpch toan viro bao c6o
K6t
qud
Hoat ddng Kinh doanh vd lo-i nhudn
Ce tai. Ch€nh
l€ch tj'
giSph6t
sinh
do
quy
d6i cric tai sAn vd c6ng no kh6c bdng ngoai td sang VND
tluoc xri'ly
vdo doanh
s6 cta
ciic
khodn mpc tuong fmg
tr€n b6ng cdn A5i t6
to6n
vdo
ngdy lAp b6o c6o
tdi
chf
nh.
5. Chring khoin clflu tu
gifl

tl€n
ngiy
tt6o
h4n
Chfng khoiin no-
giir
d6n
ngdy cliio han
ld
c6c chf'ng khoan co k! han c6 Cinn
vd ciic kho6n
thanh to6n c6
Olnti ho6c c6 thrS
x6c clinh cluo. c vd
Ban
'I6ng
Gi6m d6c c6
1i.
dinh vd
c6 kha ndng
giir
d6n ngdy
d6o han.
Ngdn hdng
clang
ghi
nh6n c6c chfng
kho6n ndy theo
gi6 g5c
cdng

ldi
du
thu
tril
ldi cho
phAn
b6.
Gi6 tri
phu
trQi
hodc chi6t
kh6u
(nt5u
c6) cfing clugc
ph6n
6nh vdo
gi6
tri
ghi
s6 cua
khodn dAu
tu. Ldi tlugc
du
thu ho4c
phAn
b6
theo
phuong ph6p
cluong
thdng. Chu'ng khoiin duo-c

giir
d6n
khi d6o
han o€ duoc
xem
xet vd kh6
ndng
gi6m gi6.
Chfng kho6n duo-c
l6p du
phong
gi6m
gi5
khi
gi6
tri thi trud'ng
nho
hon
gi6
tri
ghi
s6.
Du
phong
gidm gi6
dugc
ghi
nhAn vdo
bao cao
k6t

qud
hoat cl6ng
kinh doanh.
'.(.inr'lVaSHB
Ngin hing TMCP Sii Gdn
-
Hn NQi
6. Chfng
khorin tIAu tu sin sing
AO nen
Chri'ng khoiin dAu
tu' sin sirng cl€
b6n
ld
c6c
chri'ng kho6n dugc
giir
trong thd'i
gian
khong 6n
dinh
trudc, c6 th€ dugc b6n
Oe Oap fng
nhu cAu thanh
khoAn hodc d€ ung
pho vdi trudng hoo
thay
d6i lai su6t,
ti
gi5,

hoic
giStri
chf'ng
kho6n. NgAn
hdng
dang
ghi
nhAn c6c chfng
kho6n
ndy theo
gi6 gdc
c6ng lai du thu
trir ldi cho
phdn
U6.
Cia tri
phu
trdi
hodc chitit khAu
(n6u
c6) cfing cluoc
ph6n
6nh vdo
gi6
tri
ghi
sO cria
kho6n dAu tu.
Ldi tluo-c du thu ho4c
phdn

b6 theo
phuong ph6p
ducrng
thdng. C6c
chftng
kho6n ndy duoc d6nh
gi6
dinh
k! theo
gi6
tri thi truong vd du
phong giam
gi6
tri sC duoc
lAp
khi
gi6tri
thi truo'ng
nho ho'n
gia
tri
ghi
so. Dq
phdng gi6m gi6
cluoc
ghi
nhAn
vdo bdo
c6o
k6t

qud
hoat dQng
kinh doanh.
7.
Chfng
kho6n kinh
doanh
Chf'ng
kho6n
kinh doanh
ld chfng
kho6n ban
dAu duo-c mua vd
n6m
giir
cho muc clfch kinh
doanh
trong
ngSn han
hodc n6u
Ban T6ng Gi6m
d6c
quytit
clinh nhu vQy.
NgAn hdng dang
ghi
nhAn
c6c
chung
kho6n nay theo

gia g5c
vdo ngdy
giao
dich,
Trong cric
kj, ti6p theo. c6c chrl'ng
khodn ti6p
tuc dugc
ghi
nh6n theo
gia g6c.
Tuy
nhi€n,
gi6tri
thi trud'ng cua
c6c chf'ng
kho6n v6n
duoc
NgAn
hdng
rheo d6i d6
d6nh
gi6
ve ma ndng
gidm gi6
khi
gi6tri
thi trudng th6p
hon
gi6 g6c.

Ngoai trir
trudng
ho-p khdng
th6 x6c
dinh
gi6 tri thi truong
mQt cach ch6c
chSn thi
gia
tri cua chftng duoc tinh
dua
rr€n
nguy€n
gi6
sau khi
tril di t6n
thAt u6c tinh
(ni5u
c6).
Lai hodc
l5
tir
kinh
doanh chung
kho6n clu'o. c
ghi
nhAn tr€n
bao cao
ktlt
qua

hoat
dQng kinh doanh theo s6
thuAn.
8.
Cdc khoin cho
vav
C6c
kho6n cho vay
ngfn
han
c6
k! han du6'i
I nim; c6c
khodn
cho
vay vd cho thu6
tdi
chfnh
trung
han
c6
kj,han tu
I ndnr d6n 5
nam vd c6c
kho6n cho vay vd cho thu€ tdi chfnh ddi h4n c6 kj,
han trOn
5 ndm kd tir
ngdy
gi6i ngdn.
Viec

phAn
loai
no va lap dp
phong rui ro tfn dung duoc thuc
hien
theo
Quy€t
dinh s6
4g3l2005lQD-NHNN
ngiry 22 th6ng
4 ndm 2005
va
Quyet
dinh s6 l8/2007/QD-NHNN ngdy
25
thdng
4 ndm 2007 cua
'l'h5ng
d5c
Ngdn hdng
Nhd nu6'c Vi€t Nam.
Ciic
khoAn cho vay duoc
phAn
thanh
ndm
nh6m no- cdn cu
vho tinh hinh
tra no-
vd

cac
y6u
t6 dinh tinh nhu sau:
Nhdm 1:
Nq
dil
ti|u
chuan
o
C6c
khoin
no trong
h4n
md Ngdn
hdng
cl6nh
gi6
ld c6 cli
khd ndng thu h6i dAy dri cA
gdc
vd
l6i dirng
thd'i
han;
o
Cfrc
kho6n
no-
qu6
han du6'i

10 ngdy
vd Ngdn
hdng d6nh
gi6
ld
c6
khA nang
thu hdi
day
dn
g6c
vd
l6i bi
qu6
han vd thu
h6i dAy
dn
gdc
vd l5i dirng
thoi han con
lai;
Nhim
2
|tlq t'an chu
y
.
Cdc
khoAn
no
qu6

han til
l0 ngdy cl6n
90
ngay;
o
C6c
khoan
no di6u chinh
kj'han
trd no
lAn clAu;
"/lffilSHB
Ngdn hhng TMCP SiiGdn
-
HA NQi
.
Cac
khoan no-
co'c6u
lqi
tho'i
han trd
no
trong
han
theo
thdi han
dugc co c6u
lai.
Nhdm 3. No droi tidu chuan

o
C6c
kho6n no
quii
han tu 9l
d6n 180 ngdy;
o
C6c kho6n
no-
co'c6u
lai thoi
han
trA
no ldn clAu, trir c6c khodn no cli€u chinh kj, han
trd
no
lAn
dAu
ph6n
loai vdo nh6m 2;
o
C6c khodn
no ducvc mi6n hodc
gi6m
l6i do
kh6ch hdng khdng
dU
kha ndng
trA lai dAy
du

theo hop dong tfn dung:
Nhdm 4: Nq nghi ngo
o
C6c
khoan no-
qu6 han
tir
18l ct6n 360 ngdy;
.
Chc
khodrn
no-
co
c6u lai thoi
han trA no lAn dAu
quii
han du6'i 90 ngdy theo thd'i han
trA
no duo-c co cAu
lai lAn dAu;
.
Cac
khoAn no co cdu
lqi thoi
han trA no lAn thu
hai;
Nhrim 5: Nq c6
khd ndng
ntiit viin
r

C6c khoan
no-
qua
han tr€n 360
ngdy;
.
C6c
khoan no- co cAu
lai thoi han
tra no- lAn ddu
qu6
han tir
90 ngdy
tro l€n theo thd'i
han tra no- duo. c co
c6u
lai tAn dAu;
.
C6c
khoan no- co c6u
l4i thoi han trir
no lAn thu hai
qurl
han theo thoi han
trd no-
duo-c ccv c6u
lai lAn thu'hai:
.
Circ
kho6n no co c6u

lai
thd'i
han tr6 ng lAn thtl ba tro
l6n,
k6 cA chua bi
quii
han
hoic cl6
qu6
han;
o
Cdc khodn
no- khoanh, ng
chd xu ly;
Theo
Quyt5t
dinh
s6
ISZDOOSiQD-NHNN
ngdy 22
thdng
4 ndm 2005 vd
Quyt5t
dinh s6
l
lSl2007IQD-NHNN ngdy
25 th6ng
4 ndm2007, O5i vOi c6c
khoan no
qua

han, t6
chu'c tin dung
phAn
loai lai vho nh6m no- c6
rui ro th6p hon khi Ngdn hdng ddnh
giri
ld c6 dn kha ndng
thu
nOi
OAy
du cA
g6c
vd
ldi; vd kh6ch hdng
c6 tdi li€u,
h6
so
chring minh c6c nguy€n nhAn ldm kho6n no ndy
quii
han
duoc
xu ly,
khic
phuc.
Ngdn hdng chir ilQng
tu
quy6t
dinh
ph6n
loai c6c khoAn no- vdo c6c

nh6m
no rfii ro cao
hon tuong
fng v6'i
mric clQ
nii ro khi xiry
ra mdt trong i6c trudng hop sau cl6y:
o
Khi c6
nhirng
di6n
bitin b6t
loi tir
t6c ddng tiOu
cgc d6n
mdi trudng
kinh doanh vd
lTnh
vuc kinh
doanh;
.
Ctrc chi
tiOu tdi
chinh cta
khSch
hdng
hodc kh6 ndng
trd no cta kh6ch
hdng
bi suy

gi6m;
o
Kh6ch
hdng khOng
cung c6p
cho NgAn
hdng c6c thdng tin tdi chinh
kip
thoi, dAy du
vd chinh xiic
dc
Ngdn hdng ddnh
gi6
kha ndng tra
no cua kh6ch hdng.
Du
phdng rrii ro tin dgng:
Vi€c tinh
du
phong cu the
du'oc
cdn cri'tr€n cric ty
l€
6p dung cho
tlng
nh6m
no- nhu sau:
4

S}III

IVgdn hhng TMCP Shi Gdn

Hn NQi
Nh6m
1
2
J
1
5
Lo4i
,i
1\O OU treu cnuan
Ng c6n
chf
y
,i
NcI duol tleu cnuan
Ng nghi ngo'
No. c6
kha n[ng mAt v6n
-
Nhd cua,
vat ki€n truc
-
M6y m6c, thitit
bi
- Phuorrg tiQn vQn tdi
-
Dung cq
qudn

lj
vd
phAn
mdm tin
hgc
Tf lQ dg
phdng
cg th6
0%
5%
20%
50%
100%
9.
Tii
srin c6 Clnt
,A+.
I
ar san co drnh cluo-c
th6 hi€n theo nguy€n
gi6
trtr di
khdu
hao lfry k€. Nguy6n
giii
bao
gdm
todn
b0 c6c chi
ptri

ma Ng6n hdng
phdi
bo ra d6 c6 dugc tdi sdn c6 dinh tinh cltln thoi cli€m
ctua tdi
sdn cl6
vdo trang thdi
s6n
sdng
su dung.
Tdi sin c6 dinh cfugc tinh kh6u
hao
theo
phuo-ng phrip
., I
-;
.
duong
thang cle
tru dAn
nguy€n
gi6
tdi sAn trong
sudt thdi
gian
hiru dung
u6'c tfnh
nhu sau:
l0
-
25 ndm

03
-
05
ndm
06
-
l0 ndm
03
-
08
ndm
Quydn
sfi'dung
cl6t cluoc kh6u
hao
theo
phuong
phdp
cluong thdng
phu
hop v6'i
GiAy chu'ng
nhdn
quy€n
su'dung d6t.
guy€n
su dung OAt
vO
tho'i
han

duo-c
ghi
nh6n theo
gi6
gdc
vd khdng
tinh
kh6u hao.
10. Ti6n vi cdc khoin
tucrng duong ti6n
Ti6n vd c6c
khodn tuong duong ti6n bao
gdm
ti€n
r1it,
vdng, d6
quyi,
tiOn
giri
thanh
to6n tai
NHNN, tfn
phitiu
Chfnh
ph0
vd cilc
giSy
td'c6
gi6
ngSn han

dri di€u ki€n chitit kh6u vdi NHNN,
c6c
khodn ti6n
grii
thanh
to6n vd tiAn
gti'i,
cho vay t4i
c6c
t6 chric
tin dung kh6c c6 thd'i
han d6o han
kh0ng
qu6
3 th6ng k€ til
ngdy
grii.
11.
Cric cOng
cg thi
chinh
phii
sinh
Cac
c6ng c9 tdi
chinh
ph6i
sinh clugc
ghi
nh6n tr€n

bAng cdn
O6i fe to6n theo
giri
tri ho.'p cl6ng
vdo ngdy
giao
dlch,
vd
sau d6 cluoc
d6nh
gi6
lai theo
gi6
tri ho.
p
ly. Loi nhudn
ho4c 15 khi ciic cOng
cu tdi chinh
phrii
sinh
duo-c thuc
hiQn cluoc
ghi
nhdn
trong b6o cao
k6t
qud
hoat dong
kinh doanh.
Loi nhuQn

hodc
16
chua
thuc
hi6n dugc
ghi
nh6n vdo
khoAn muc chOnh
lQch
cl6nh
gi5
lAi ciic cOng
cu tdi
chfnh
ph6i
sinh trdn
bAng cAn
d5i k6
torin vd duoc
kt5t chuydn
vao k6t
quA
ho4t ddng kinh
doanh
vdo
thdi dii5m cu6i
nam.
|:!ffiSHB
Ngdn hing
TMCP

Sii Gdn
-
Hn NQi
12. Ghi nhAn thu
nhflp/ chi
phi
lfli
NgAn hdng
ghi
nhdn thu
nhAp tir ldi
vd
chi
phi
ldi duo. c
ghi
nhdn tr€n biio c5o
k6t
qud
hoat
ddng
kinh doanh tr€n co
so'du thu, du
chi.
13. Ghi
nhdn thu nhflp
tir
phi
vh hoa
hdng dich vg

Ngdn
hdng thu
phi
tir ciic dich
vu cung cAp cho
kh6ch hdng. Thu nhQp tir
phf
c6 thi5 chia thdnh
c6c nh6m sau:
o
Ph[
thu tir
viQc cung cdp dlch
vqt trong mQt thdi
gian
nhiit
illnh: Phi thu tir viOc
cung c6p dich
vu
trong
rn6t thd'i
gian
nh6t clinh cluo. c
du' thu trong su6t thoi
gian
d6. Phf nd1,
bao
g6m phf
quan
ly.

phf nhdn
iry thric,
hoa
h6ng vd ciic
phi
li€n
quan
d6n cAp tin dung,
quan
ly tdi san,
phf
quan
ly danh
muc vd ciic
chi
phi quan ly
ciing
nhu
phi
tu v6n khac.
o
Ph[ thu t*
vi(c cung
cdp cllctt
vEt
giao
dich: Phi
ph6t
sinh tir vi€c cldm
ph6n

vd tham
gia
cldm
ph6n c6c
giao
dich
cho
m6t bdn
thri ba, vi du
nhu d?rn
x6p vidc mua co
phAn hodc
c6c
loai chring
kho6n
kh6c hodc
mua
lai doanh nghiCp
,
duoc
ghi
nhAn khi hodn t6t
giao
dich
li€n
quan. Phi hodc
mdt
phAn
cira
khoAn

phi
ndy co
li6n
quan
d6n viec thqc
hi€n mdt
cdng
vi6c
nh6t dinh s€ clugc
ghi
nh6n khi
hodn tdt diOu
kiQn tucrng ring.
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Ngdn hhngTMCP Siri Gdn
-
Hn NQi
15.
Ti6n m{t, ving b4c, tI6
quy
3U12t2011
\TND
3U12t2010
\,ND
Ti6n rnat
I len rnat
bdng
VND
,J
Dang ngoar Ie
293,849,677,377
131,369,30 t.883
129,658,609,695
72,012,272,000
425,218,979,260 201,670,881,695

16. Ti6n
gfri
t4i
Ngffn
hirng Nhi nudc
Ti€n
gui
thanh toan
tai
Ngdn hdng
Nhd nu6c

I
Ti€n
gui phong
toa
(neu
c6)
Ti6n
gu'i
kh6c
17.
Ti6n, virng
gfri
t4i cfc td chric
tin dgng
khric
TiAn, vdng
giri
khing kjt hqn

-
Bdng
VND
^J
-
iJang ngoal 19.
vang
Tiin,
vdng
gtri
cri
kjt
hqn
-
Bang VND
.:
-
tsang
ngoal te.
vang
34,712,661,358
505,232,494,164
31n2t2011
VND
31112120r0
VND
34,712,661,358 505,232,494,164
3v12120tl
VND
3t

t12t2010
VND
3,/,58,281,818,025
3,0'71,501,520,334
86,780,297,691
15,686,892,814,830
14,316,410,414,830
I
,370,482,400,000
5,972,771,962,939
5,841,605,487,786
131,166,47 5,153
5,663,969,027,779
5,569,309,027,778
94,660,000,000
18,845,174,632,855
11,636,7 40,990,717
,.
'SFIB
NgSn hing TMCP
Sii Gdn
-
Hn NQi
18.
Chfng
khorin
kinh doanh
Chitng khodn lYg
-
C'h['ng

kho6n
Chinh
phu
-
Chring
khodn
Ng do c6c TCTD
nu6c ph6t
hdnh
-
Chring kho6n No
do c6c
TCKT
ph6t
hdnh
Chirng khotin VOn
,
'';
-
Chu'ng
khoan
Vdn do c6c
TCTD kh6c trong
nuric
ph6t
hdnh
,
.'i
-
Chung khodn Von do c6c

TCKT
trong
nuoc
ph6t
hanh
Chftng khodn kinh doanh
khric
D1r
phdng gidm gid
chftng khodn kinh doanlt
Chnng khodn Nq
I
-
t)a nlem
yet
-
Chua
ni6m
y6t
Chr:rng
khotin V6n
i.
-
ua
nrem
)et
-
ChrLa
ni6rn
yOt

Chftng
khodn
kinh dounh
khtic:
L
-
ua nlem
yet
-
Chua
niOm
y6t
3111212011
VND
3111212010
VND
kh6c
trong
trong nudc
36,129,220,068
36,129,220.068
99,51/,,870,109
99,51 r,870,109
(683,472,068)
(18,361,121,268)
17,768,098,800
Thuytlt
minh v€ tinh
tr4ng ni6m
y6t

cria cric chring kho:in kinh doanh
31112t2011
VND
98,828,398,041
31
122010
\rND
36,129,220,068
16 | ?g ))O O6R
99,5I1,870,109
9,5 I I
,870.109
90,000,000,000
36,,129,220,068 99,511,870,109
a;;1A3
U
NgAn hing TMCP Shi Gdn
-
Hir
NQi
19. Cdc c0ng cg tii chinh
phfi
sinh vi cfc tiri
sin tii chinh khfc
't6ng
gia
ti cua
hop
dong
(theo

ty
gia
ngal'hi€u
lu'c hqp
dongt
T'6ng
giit
tri
ghi
s6 k€ todn
(theo
ty
gia
tqi
ngay ldp boo
cuot
Tai sdn
Giit trt tdi san
(
onq
no
T4i ngiry 3l thrlng
12 ndm2011
COng c4 TC
phdi
sinh
tiin tQ
'i
.^
ulao 0rcn Ky n?n tren te

Giao dich
ho6n
d6i
kj'h4n
T4i ngiry 3l th{ng
l2 nim
2010
CAng cq
TC
phii sinh tiin t9
.i
.
ulao dlcn
Ky n?n nen
te
Giao
dlch ho6n d6i
kj'h4n
3 43
,538 ,67
|
,1
12
54,944,689,800
398,483,360,912
1 38,56 I
,862,265
49,902,858,800
188,464,721,065
268,810,28s,694

\4 440 )16 JOO
323,310,5r2,094
142,1t7,439,795
49,902,858,800
192,020,298,595
(264,220,677
^395)
(5
5,054,000,000)
(319,271,677
,395)
(
I 39,903,889,1 55)
(55,0
I
6,000,000)
(194,91
9,889,155)
tcons no) rons
4,649,608,299
(6
l
3,773,600)
1,035,831,699
2,213,550,640
(5,r
r3,r41,200)
(2,899,590,560)
3v1212010
VNI)

3Ut2t20tl
\,TlJD
20.
Cho vay
kh6ch hing
Cho vay c6c
t6 chf'c
kinh t6. c6 nhdn
trong nuoc
,.t,,i. , ,.(
.a
Cho vay
chidt khau thuong
phi6u
vd c6c
gi6y
to
co
gla
Cho thu0 tdi chinh
C6c
khodn trdthay
kh6ch hdng
,: i '-
Cho
vay bang vdn
tdi tro. uy thac
ddu tu
Cho vay
ddi vdi c6c

td chri'c,
c6 nhdn nudc
ngodi
Cho vay
kh6c
Ncr
cho
vay duo-c
khoanh va
no- chd'xu'
ly
29,969,736,697,810
22,168,473,454
2,270,922,114
10,718,810,67
4
203,274,991,859
24,344,537
,429 ,486
450,000,000
20,g14,017,47;
9,687,046,606
29,208,169,895,911
24,375,588,493,562
l0
WSHB
Ngdn
hing
TMCP Siri Gdn
-

Hn NQi
20.1. PhAn
tich chAt luqng nq cho vay
No
du ti€u chudn
\ ,,,
N0 can cnu
y
No du6'i ti€u chuAn
No nghi ngo
'
;. i
r\o
co
Kna nang
mat
von
20.2. Phdn tich
du
nq theo thtri
gian
No
ng6n han
No trung han
No ddi han
20.3. PhAn tich du nq cho vay
29,208,169,895,91
I 24,375,588,493,562
311t2,t2011
VND

3V12t2010
VNI)
27
,789,000,417 ,466
796,587
,304,97
5
190,091,630,895
154,147,495,684
278,343,046,891
23,438,102,834,977
596,554,769,933
36,159,292942
39.376,036,390
?65 iq5 55q 5?0
31il2t2011
\TND
3U12120t0
VND
1
8,503,810,5
47
,412
6,405,23 9,83 4,03
0
4,299,119,514,469
15,55 1
,471
,495,71
8

5,508,722,312,810
3,315,394,685,034
29,208,169,895,91I
24,375,588,493,562
theo ddi tuqng khrich hdrng vi lo4i hinh
doanh nghiQp
3t/l2t20tl
VND
3Ut2t20r0
Oh
VND
OA
Cho
vay cdc TCKT
l)oanh nghidp Nhir nuoc trung uong
Doanh nghi€p Nhd nucvc
dia
phuong
C6ng
ty INHII Nhd nu<ic
C0ng ty
T'NFILI
tu nhdn
COng ty c6
phAn
Nhd
nu6c
. i ,), ,,,
LOng ty
co

pnan
Knac
COng
ty hgp danh
Doanh
nghiOp tu
nhdn
Doanh
nghiQp c6
vOn dAu tu
nudc ngodi

, .a , ;
r.rnn
te
t?p tne
Cho
vay cd nhdn
Cho
vay
klttic'
19,966,246,531,1 I4
|,327,401,202.344
486.104.303.097
2.63 8. I
34,523.4,10
5.385,542.708,737
2.138,144,283,136
7,1 t 5,104,952,035
l,3 l9,330,000

s?q I 15 1Rq 5?6
328.492,639,333
16,867,199,467
9,07 5.96 1
.894,3I
I
I 65.961
.470,406
68.36 13,720,512,092,554
56.29
4.54 468,829.488.391
1.92
I .66
33. t29.458"051
0.14
9.03
800.504.985,460
3.28
r
8,44 4,572.949.48 r.058
18.76
7.32 1,603.339,586.917
6.58
24.36 5,531,298,142,466 22.69
0.00 600,000,000 0.00
1.81 235.047,938.823 0.96
1.12 418,702,346.512 | .72
0.06 56,1
r
0,364.876 0.23

3l.07 10,642,626,327,030
43.66
t).57 12,450,073,978
0.05
29,208,1 69,895,91 I 100.00 24,375,588,493,562
100.00
1"ir!
SI{B
Ngdn
hdng TMCP
Shi Gdn
-
Hd NQi
20.4.
PhAn tfch
du
ng'cho
vay theo ngirnh kinh
t6
3U12t20tr
VND
3Ul2/20r0
"/t
VND
o/o
Ndng nghiQp vd l6m nghiOp vd
thuy san
Khai kho6ng
, :,
.i

Cong nghi€p
che bi€n. ch€ tao
San xuAt
vri phan ptr6i
Oign. khi d6t. nuoc
n6ng.
hoi nuoc vir
di€u hc\a khdng khi
Ciung
cdp
nuoc: hoat
dQng
quan
l! vd xu l!
r6c
thar, nu6c thai.
Xdy dqng
B6n
bu6n
vd
biin
le;
sua chfia 0 td, m6 t6, xe
m6y vd xe c6 dQng co kh6c
V6n
tai
kho
bdi
Dich v9 luu trri vd 6n u6ng
: ,^

I nong
lrn
\
a lru) en
tnong
Ho4t dQng tdi chinh,
ngdn
hdng
vd
bao
hiOm
Hoqrt dQng kinh doanh bAt
dQng
san
Float ddng chul'en m6n, khoa
hoc vd
cdng
ngh9
Hoat d0ng hdnh
chinh
vd
dich
vu
h6 tro
Hoqrt dQng cua
dhng
C6ng
shn, t6 chirc chinh
tri
-

xd h0i,
qudn
l;i nhd
nudc, an ninh
qu6c
Gi6o dqc
vd
ddo tao
Y t€ vd hoqt dQng tro
gitip
xd hdi
Ngh€
thu6t,
vui
choi
vd
giai
tri
Hoat ddng
dich
r
u
khiic
I Ioat
d6ng
ldm
thu€ c6c c6ng
vi€c
trong cdc
hq

gia
dinh. san rudt
san
phdm rdt
chdt
rir
dich vp tu tiOu
dung
cua hQ
gia
dinh
Hotlt
dQng
cua
c6c
t6 chirc vd
co
quan qu6c
te
3,181,536,24t,953
2,676,491,661,720
4.764,263,620,882
486.452,220.398
6.195.395.503
3,347
,79t.529,867
6,703,833,964,216
|
,553 ,417 ,652,485
|,514.502,847,079

28.032,352,044
463
,209.091
.426
1.392.048,7 54.173
24,458,268,602
32,697,033,584
5,303,1 08,80 r
13,480,105,312
45,346,087,931
r 2.709,344,000
2,73
5.3 5 5,745,8
r 9
185.737,740,445
35
,307 ,t29,67
2
10.89 1,378,592.027,9t4
9.16
2,416.171,015,953
16.31
3,426,000,069,370
|.67 794.000,016,077
0.02
11.46 2,696,000,054,589
22.95
3,796,000,076,862
5.32
1,550,416,920,693

5.19
76,054.146,902
0.10
703,583,t24,946
I .59 593.7 53.012"022
4.77
26t,205.715.790
0.08 13.756,873.3t7
0.1 l
0.02
t 5,600,000,316
0.05 175,000,003,543
0. | 6 45.700,000,925
0.04
5.963.884.841.145
'9.37
419.770.642.343
0.64 40,706.950,665
5.66
9.91
14.06
3.26
0.00
I 1.06
15.57
6.36
0.31
2.89
2.44
|.07

0.06
0.00
0.06
0.72
0.19
24.17
|.72
0.1 7
0.r2 9,393.000,190
0.04
29,2 08,169,895,91 I 100.00
24,375,s88,493,562
100.00
Sti tt\u du
nq ddu k) 31/12/2010.
duqc
phan loai theo ngdnh
kinh
i
quy
dinh.lai trong Phu luc
07
ban hdnh kdm
Th6ng w sd
2L/2010/TT-NHNN
ngdy 08/10/2010 bdt ddu c6 hi€u luc tir
0t/07/20r
t.
t2
l','r,

SI{If
NgAn hing TMCP
SAi Gdn

Hd NQi
21. Du
phdng
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DTR:15M2
(NHA
O.KHANH)
QSD
DAT SO 35LTK
DT
SAN:53,8M2
DT
DAT
CHUNG:395M2
(NHA
O
OUYEN)
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
1O VONG
DUC
(HO
NHA NGUYEN
THI CUC)

QSD
SO 1O
VONG
DUC(HO
NHA ONG
THA
QSD
NHA 31 LY
THUONG
KIET(BA
KIEN
QSD
175-177
NHA TRANG
KHANH
HOA
DAT 358
LY THUONG
KIET(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 THUONG
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 -
138
,
D.3-2,
TP.CAN
THO
QSD
DAT
TRUONG XUAN
QSD
DAT BINH
THUY
QSD
DAT -GARAGE
XE
OSD
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
3t/12/2010
67,3 3 5.000.000
38.104, t 05,_s00
61,169,634.500
43,846,530,500
43,843,170,500
43,837,t70,500
65,575,555,000
56,578,267,OOO
t00.900,535,500
153,201,930.000
30,449,7 60,OOO
22,523,867,000
43,705,068,000
18,031,226,100
lo7,220,759,OOO
7,483,603,600
129,138,454,546
t 8,473,400,000
37,s 18,036,000

1,415,565,264
126,528,711,580
12,881,587,000
78,3 19,970,000
49,001
.464,'t95
6s0,000,000
300,000,000
631,812,000
408,080,000
253,800,000
4,376,111,000
4,3 76,980,400
s,2 t I,535,400
2,O3O,O20,251,735
1,379,903,753,685
3l/12/201r
-ffid-oo.ooo
38,104,105,500
61,769,634,500
43,846,530,500
43,843,170,500
43,837,170,500
65,575,555,000
56,578,267,000
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
37,5'18,036,000
7,257,897,674
'
126,528,711,580
12,881,587,000
78,319,970,000
49,001
,464,795
650,000,00.0
300,000,0o0
637,812,000
408,080,000
253,800,000
4,376,174,OOO
4,376,980,400
5,211,535,400
t8
SH
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3t
t12t2011
VND
3U12t2010
VND
1.611.494.961
.488
53.820.545.107
1
"849.677.3
54.005
88s.29s,163.191
957,082,8s4,329
161,166,500.923
|
.862,695.482.1ss
812,32s,199,489
4,460,288,O24,397
3,859,870,637,496
(*):
Kh6ng bao
gdrn
tdi shn thud
thu nhdp
hodn lai vd ciic khoan
phAi
thLr tiL cdc
giao
dich
ndi b6.

27. Cic khoin
nq Chinh
phti
vh NIINN
3t l12l20t I
VND
31/12/2010
VND
2,184,554,872,526
2.1 84.554,812.526
903,716,150,812
903.116.
i 50,812
2,I84,554,872,526
903,716,150,912
31t12t2011
VND
3U12t2010
VND
-l,073,462,9
54,910
3.013.432,231
.136
30J23,17
4
12,835,620,442,000
1t
.752.564.442,000
r.083,056,000.000
4,960,133,659,390

4.960.018,877.136
114,782.254
8,311,405,160,554
8.0 89.3
99.
160,554
222.006.000.000
13,271,538,819,944
I
5,909,083,396,9 l0
l9