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tn diu niim d6n cu6i quf I
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l7 Tiurg/(Gizrm) ti0n gtri cia khle h hang (luo gtinr a T(l]NN)
lo
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e
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r
v6n tai tro- Lrr lhae diiu trI. cllrr \lv rrri I'('ll) chiLr
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h biit ilung sarr dtiu trr
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r ao r rlrr trt cri r i ciic kholtn r 0n val dz'ii han khhc
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Luu chu10n liin thuAn trong ki
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ttL crl
Luu churCn tidn thuin til hoat dQng tr\i chinh
lV
tn'dflu ntrm d6n cu6i qui I
l5
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nt
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THUYET MINHBAO CAO
TAr cHixu HoP xuAr
'
Clto
Qil1.,
I ndnt
2012
I
t,'
ll
.tt'
\
SE trT{
Ngin hing 'l'i\'l(ll' Sii Gdn
.I'HTJYET
-
|
In N0i
MINTI BAO CAO'I'AI (]HiNII IIOP NIIAT
QL'\' r 2012
l.
'l'hOrrg 1in r 6 nglin h:'rng
(,iir
phcp horl
tl6ng (X)-ll-Nlli(il'}ngar l3
thiirrg
ll
nirnr l()()3
(iiiiv phcp hoat dortg do N-sin hirrg Nhi rlLrti( \/ict Nlrn uril-t
llriri harr lttrat tltltt,' culr \rlin lrirrr li l(l nrrrrr ki' lir rrrlrrr eriP uiri.
phe'p
claLr tie n.
ll,.'i tl,',nI (]uun tri
(lhLr lich
U\ \'lclt
IJy viCn
llo
tJ\ \'tcn
[]r' r iOn
IJo nlriCrrt ngan l(r thiirrg (r rranr
llrr
rrhiCrl nsilr I (r tirang (j
l'liarrh
,'l
I)0 rrhiCu.r ni-ra1 I6 thhng 6 ntrrn 2008
"l
lt() Illt IL'nt n1_lit-\ l6 thring 6 niirn 200u
Iiir
nlr iCrn ngitr
r,ie rr cloc lap
rrhi0rn rrgr\r l(r thang ti nnnt 2008
20011
ninr 1008
l0 thhnr 8 ruirl 2010
Ilan ki6nr so:i1
llr l)irn \goc llfch
l'rLtrrn-e ban
Onq \sLrr 0n I liLu I)rLc
Pltri I lrLt-r'ng [ran
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Cn
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llrl rrhiCrn ngl\r l6 tlrirrrg (r ninr 2008
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llr, nhi0nt ngtir |6 lhlinit (r rlirn l00u
llo nlricrn ngli-r I6 thlirr-! 6 nirrn l00li
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I]0 nhi'^nr ngiir 20 tharrg 5 ruint l0()!)
l'hrirrlr r iin
l'ltinh
['ltinlr
r i.rn
llan'I'6ng (liirm d6c
Ong NgLn'6n
Vin
'long (iirinr cloc
Pho Iong (iiint
t'llo l()llu trlalll
Ph6 l'tlng (ii6m
Le
Ong Dirng l'ruug [)irrrg
()ng ljut ltn NS.ht
Ong L.e t)irng Khoa
Pham
Vin l'hang
(l()e
Ilii trtl nhi"^rrt ngiir, 013 thring 5 rrarl 1007
llo nhiCrn ngii1, 0 | thang 9 narl 2006
llo nlriCnr ngiy'0,5 thirng 6 rrarn 2007
cloc
116 rrhiOm ngir1,
clOc
!:
I'}h6'l'6ng Girim d6c
: (Jlaln OOe
.-., ,;
Ngo'l'hLr IIa
fn()
Ninh l'hi Lan l)huong
KC toiur truorrg
'I'ru sti chinh
2.
56 77
| Ol'lo
l0 thring .l niun 2009
116 nhiOm ngd1, 0l thzing I I ndrn 2010
116 nhiem ngdv l5 thiirrg 3 nam 20ll
Il6 nhie rn ngi1, 27 thirng 7 nam 200B
- l'rin FlrLng l)ao - Q.lloiin Ki6rn
D{c di6m hoat d6ng cril to clrric lin dung
lirrorl Not a valitl link. (clLrtii cldr goi tit la "Ngan lrin!") lli nrrrt nean hdne. tlrrrtrug ntai c6 phiip
Vi0t Nant thanh lAp tiii ttLtric Cong ht)a Xd hoi ('hLr nglria \ ict \anr itii thtri {.riun hoerl ct6ng lir.l0
ndm thco 00'+l-NIlr'(-rl)
Itcir ll tlriinc ll
nirrn l9()-l e ri.l
\sin
harr,,
\lri
rrrLilc ViCt Narn. V6n
clicLr
SHfI
Ngfin hing
16
cua
l'MCl'
Shi Gdn --
lln
NQi
Ngin hdng tai ngal 3ll03l20l2lA 4,815.795.410,000 d6ng (l)6n nghin tiim trdm muo'i ldm
ty bay trdrn chfn l6rn trier.r bdn trdrn ba1'rnu'oi nghin drrrrg).
H6i sri chfnh cua NgArr hdng d6t tai 36 77 - 'l'rAn
-l'ai
3.
I ILLng
[)ao - Q.l lodn Ki6m - tld Ndi - Vi6t Narn.
ngiiy 3110312012. NgAn hdngcti 2944nhln ri0rr lDau ndm 2012:2840 nhAn vidn).
T6m
tit cfc chinh s{ch k6 toin chfi v6u
Chudn mgc vh ctr6 Od k6 tofn :ip dung
lrinh
liri chinh binc dong Vi6t Nam (VND) rhco t,u6t c6c l'6
l'in dung, Lual stra doi v?r bo surrg rndt s6 dieu trong l.uA1 cric'l-6 chirc'l'fn dung, c6c chuin
rnuc ki todn Viit Narn vri llc rh6ng K0 todn cdc ro ch[rc rin clurrg Viir Narn.
NgAn hdng
bir1, cdc b6o cdo
chri'c
K! brio c6o vir do'n v! lidn td
K!
biro cdo clta Ngdn hdng U6t aau tir ngdy 0110112012 vd kCt thuc vdo ngd5, 3
Don vi tidn t0
1.
s[L ch-rng
ll03l20l2
trong ghi clrep kc todn lA dc\ng Vi6t Narn (VND).
Nguy6n tfc ghi nhin cdc nghiGp vg bling ngo4i tC vii quy tl6i
Thco hd th6ng kO 1o6n cua NgAn hdng, t6t cA c6c nghi€p vLr ph6t sinh cira Ngdn hdng dLLoc
hach to6n theo nguy6ri 10. 'l'ai thd'i di6m cudi ndrn, tdi san vd c6ng no c6 ngu6n gdc ngoai t6 duoc
quy ddi sang VND theo ty giri quy dinh vdo ngdy ldp bAng cAn AOi ne to6n. C6c khoan thu nhdp vd
chi phf bdng ngoai td cua NgAn hdrrg cJuoc hacli to6n bing VNI) theo tli giri vdo ngdy ph6t sinh
tlr6ng qua giao dich mua biin ngoai t6. Ch6nh l6ch
tt'giri do cl6nh gi6 lai citc tdi khoan kinh doanh
ngoai te dtrtrc hach todn viio biio cdo Ki1 qua Iloal dorrg Kinh cloanh vd lo-i nlruAn Ati tai. Chcnh
lQch tyi'giri ph6t sinh do qLry cldi cdc
tai san vd c6ng no khric bang ngoai td sang VND drLo-c xg. ly
vho doanh s6 cua ciic khoan muc 1uu-ng fing tr0n bang cAn AOi fe toiin vdo ngdy l6p brio cdo tdi
ch inh.
5.
Chri'ng khofn ddu tu'gifr d6n
ngiy cl{o h4n
Chung lihodn no giir d€n ngir-r diio han ld c6c chinrg kliodn c6
thanh toiin cO dinh hodc co th6 xric clinh cluo-c vd
llan'lting Ci:irn
k!
han cd dinli vd ciic khoan
cl6c c6 y dinh vd co kha ndng gifr.
lii du thr-r tril
ldi chd'phAn b6. Giri tri phLr trdi hoic chi6t kh6u (n6u c6) cirng duoc phan iinh viio giri tri ghi so cua
kho6n dAu tLr. I-6i rtuo-c du thu hodc phdn b6 thco phrLong phrip du'd'ng thing. Chfrng khoiin duo-c
d6n ngdy clao han. NgAn hang clang ghi nliAn cdc chrlng khoiin niry thco giri g6c c6ng
giil d6n khi d6o han sE dutlc xern xe1 v€ kha ndng giArr giri. Chrlng l
qua hoat ddng kinh doanh.
SHB
I'MCP Sdi Gdn - IIn
NgAn hhng
6.
Chri'ng khofn dAu
Chu'ng khoiin
diu
NQi
tu sin sirng CG trrin
tLl
sin sdng dd ban ld ciic chirng khorin
drLoc gifr'trong
dinh tn-rtic. c6 th6 duo-c b6n Ce Oap ring nhu cAu tharrh khoAn hoac
di
thoi gian khdng
6n
ung pho voilru'd'ng hop thay
tal suet, 1i gi6, hodc gid tri clifirrg kho6n. NgAn hAng dang ghi nhAn ciic ch[r'ng kho6n ndy thco
gi6 g6c c6ng ldi du' thu lrir ldi cho phdn b6. Gi6 tri phu tr6i hodc chi6r kh6u (nCu c6) cfrng du'trc
OOi
phAn 6nh vdo giii
tri ghi
sd cua khoAn clAu tu. t,di cluoc
thu hoac phAn bo tlrco phLrong phdp
duo'ng thing. C6c chirng lilioiin ndy duoc cLinh giri dinh kj,lhco gi6 tri thi trud'ng vd du'phong giarn
giri tri se duo-c l6p khi gi6 tri thi trtLd'ng nho hon giri tri ghi sf'. Du phong giAm gi6 duo-c ghi nhAn
clr-L
vdo biio crio k6t quA hoat d6ng kinh doanh.
7.
Chf'ng kho6n kinh doanh
Cliilng khoiin kinh doanh ld chfing klrodn barr clAu dutrc mua va ndrn giir cho muc dfch kirrh
doanl, trong ngdn han hodc n6u llan 'I'6ng Giam doc quyit dinh nhrL vAy. NgAn hirng dang ghi nhdn
c:ic chimg khoiin niry thco gia goc vao rrgiry giao dich. 'l'rong c6c k1) ti6p theo, cdc ch[Lng kho6n ti6p
tuc duo-c ghi nhAn theo giri goc.'l'u.v'nhien, giri tri thi trLlong cua c6c chf'ng khoiin v5n duo-c NgAn
hdng theo ddi de ddnh gi6 ve U.,a rr6ng gi6m gi6 khi gi6 tri thi tru'o'ng th6p hon gi6 gdc. Ngoai triL
trud'ng hop khdng the xrlc clinh gia tri thi tru'd'ng m6l ciich chic chin thi
dua tr6n nguy0n
giritri
giii sau khi tril di rdn thAt u6'c t.inh (ndu c6). I-di hodc
cua chfng duo-c tfnh
16 tiL
kinh doanli chiLns
klio:in duo-c ghi nhAn tren bdo cdo k6t qua hoat il6ng kinli doanli thco s6 thuAn.
8.
Cfc khorin cho vav
Ciic l
trung han crl ky' lian tir' 1 narn
han trdn 5 ndm ke
k1) han
dmii I ndm; cdc khodn cho vay vd cho thu6 tdi chinh
din 5 nam vir c6c
hhotin cho vay vd cho thlle tdi chfnh ddi han cti
kyr
tir ngdy,giAi ngin.
Vi6c ph6n loai no vd lAp
phong rui ro 1in dung duo-c thtic hien ttrco Quy6t dinh s6
493120051QI)-N[INN ngdy 22thfng4 ndrn 2005 vd Quy5r dinh s6 1sl}007leD-NIINN ngdy 25
thing 4 nram 2007 cua 'I'hting doc NgAn hdng Nhd nr.Ldc ViOt Narn. Ciic khoan cho vav duo.c nhAn
thdnh ndrn nh6m no- cdn cir vdo tinh hinh tra no vd c6c y6Lr t5 ctinh tinh nhu sau:
Nlttim
I:
.
No'
di
dr"L
ilAu t'hudn
C6c khoan no- trong han md NgAn hdng drinh gi6 ld c6 du khA ndng thu hdi cl6y du ca
i
. i-.
,,
goc va lai dLirrg thrli han:
.
Ciic khoAn
rTo-
qu6 han du6'i
l0
ngdy vir NgAn hdng drinh giri ld c6 khA ning thu h6i
dAy dr} g5c vd l6i bi qu6 han vd thu h6i day dil g6c vd l6i dirng
Nhint 2.
.
Nrr
can chit
Ciic khoin
nr.r
thoi han cdn lai;
!
clud han 1ir 10 rrgAr
din 90 rrgiry;
,o ('Ac klroan ntr rliirr chrrrh lJ
SFTTT
hing TMCP Siri Girn
NgAn
r
(l6c klroAn rrtl
Nhim.l
.
.
-
.Vo
e
IIn
cr
NQi
cAu lai thoi lran tra no trong han thco thoi han dlro'c ctr c6u lai.
tlrrii tiltr c'httutr
Ciic khodn no qu6 han
til 9l d6n
180 nghl
Ciic khoan no co c6u lai thdi han tra no
;
tin
tril c6c khoan
no. didu chinh
k!
han trd
no'lAn dAu phdn loai vdo nh6m 2;
.
Ciic khodn no
clrLo-c
rni6rr hodc giarn ldi do l
thco hopl dorrg tiu dung:
Nltdm 4. iVo'nghi ngi'
.
r
C6c khoan no- qu6 lian 1ir
l8l
dcn 360 ngal
l
Ciic khoarr no- co'cau lai thdi han lrh no lAn dAu quri han drr6'i 90 ngdy theo thd'i han
1ra no duo-c co'c6Lr lai lAn dAu:
.
C6c khodn
'.'u-
.o .au lai thd'i
han trA ntr lAn th[ hai:
lYhim 5.' Arr t'6 khtr ttirng ttuit virt
.
o
Ctic khodrn no qu6 han trOn 360 ngdy;
(liic khodrr rro co c6u laithoi han trA no lAn
dALr quri han
tir 90 ngdy tro l6n theo thd'i
harr tra no- dno-c ccr cau lai lAn clAu:
o
(ldc khoarr no co c6u lai thd'i han trA no lAn thfl hai quri han tlico thoi han tra no
cluoc co c6u lai llin thil hai:
e
(liic khoan no'co
hoac
c15
o
(l6c khoan
c6Lr
lai thd'i han tri no lin thil ba tro len, ke cA chua bi quti han
quii lian:
no-
khoanh.
no-
chd'xu' ly;
1'hco Qul'51 dinh tO +q:/ZOO5/QI)-NIINN ngdy, 22. t"hhng 4 narn 2005 vd Quy6t dinh s6
1El2007lQD-NllNN ngdl'25 thiing 4 nfun 2007. ctoi vtii.cAc lihorirr no qu6 han. to chirc tfn dung
phAn loai lai vdo nh6m no c6
rui ro thAp hon khi NgAn hdng diinh giri ld c6 dri khe ndng rhu h6i dAy
du cA g6c vA ldi; vd khiich hdng co tdi li6u, hd so ch[Lrrg rninh ciic nguydn nhdn ldrn khoan no- ndy
qu6 han duoc xtL ly, khac phuc. Ngdn hdng chu d6ng tLl qLry0t clinh phAn loai c6c khoan no.vdo c6c
nh6m
no-
rui ro cao hon luot'tg ri'ng v6'i mfic dd riri ro khi xa1, ra rn61 trong biic trLrring ho-p sau ddy:
.
linh
o
Khi c6 nhilng di6n bi6n b6t lo-i
vLLc
1ir tric cl6ng
tidu cu'c d5n mdi trr-rdng kinh doanh vd
kinli doanh;
(l6c chi ti0u
1di chinh cua
khiicli hdng ho[c kha ndng
trdr
no cira khdch hdng bi suy giAmt
o
Khilch hang khdng cung cap cho NgAn lrdng ciic thdng 1in tdi chinh kip tho'i, dAy dir
vA chinh x6c di Ngan hdng drinh giri kha ndng 1ra no- cua kh6ch hdng.
Du phdng
nii ro 1in dgng:
tiins nh6fir rrtr uhu sau:
Vieo tfnh clu phong cu thr-l cluoc c5n
c[L
trdn ciic ty
16
ilp dung cho
SHts
Ngdn hirngI'MCP Shi Gdn
- lIe
NQi
Tf
Lo4i
Nh6m
I
No
dLL6'i
4
No-
nghi ngd'
5
0%
cal-l cltu Y
3
9.
t\o
dg phdng cu th6
No'dLr tier,r chLrAn
2
lQ
-;;
l\0 co l(l]a nallg Inat \on
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ti6u
5%
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dinh
Tdi san.6 clinh dtLtre thi hicrr thco ngu-ven giir tril di kh6Lr hao liry k6. NgLryen gi6 bao g6rn
todn b6 ciic chi plif md NgAn hdng phAi bo ra di co dtroc 1ai san cd dinli tfnh d6n thoi di6m dua 1di
sAn d6 vdo trang th6i sirr sdng sir clung. 'l-di sdr, c6 dinh duoc tinh kh6u hao thco phuong ph6p
., I
.ri
.
duong thang de tru dAn nguy€n gi6 tdi s6n trong sudt tho'i gian hiru dung u6'c tinh nhu sau:
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l0 - 25 ndrn
' ' ';
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03 - 05 ndrn
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06
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03 -
,
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- l0
08
ndrn
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thing phir ho-p v6'i Gi6y chfrng
L
nhdn qLryin su dLrng d6t. Quy€n siL dung cldt v6 thd'i han dtrcrc ghi nhAn theo giri g6c vd kh6ng tinh
khAu hao.
10. 'Iidn vh cic khoin
f
tu
i6n vd c6c khoAn trro'ng duong ti0n bao gdm tidn md1. vdng, d6 quy, tii:n
NIINN, tfn phi0u Clhinh
gLLi
thanh toiin tai
phLr vd c6c gi6y
to'c6 giri ngan han du di6u kiOn chi6t kh6Lr v6'i NIINN. cric
khoan ti0n grri thanh toirn vd ti6n gu'i. cho vay tai ciic 16 chfic 1fn dung kh6c c6 thdi lian diio han
.i
khong quri .i thang
l<3
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tir rrgAy grLi.
chinh phrii sinh
C6c c6ng cu tdi chfrrh ph6i sinh clrLoc ghi nhAn
viro ngdl, giao dich,
vi
1r0r-r
sau cl6 du'oc c16nh gid lai theo gi6
bang cAn ctOi
tri
ho.
t<6
toiin thco gid tri ho-p d6ng
p ly. Lo-i nhudn holc
16
khi cac cong
cp tdi chfnh phiii sinh duoc thuc hien du'oc ghi nhAn trong biio cdo ket qua hoar d6ng kinh doanh.
I-o'i nhuAn
holc
15
chua thr-tc hi6n duoc glii nhAn vdo khoan rnuc chdnh lQch clinh giri lai cac cdng
cu tdi chinh phdi sinh trdn b6ng cAn d5i k6 toAn vh
doanh viro thdi diem cr.16i ndrn.
dLLo-c
ket chLry0n vao kct qua hoat d6ng kinh
SFII}
Ngdn hhng I'MCP Shi Gdn
12.
,lle
NOi
Ghi nhin thu nhAp/ chi phi lfli
NgAn hdng ghi nhAn
tliu nhdp til ldi vd chi phi ldi tr6rr bdo cdo ket qud hoat d6ng kinh doanh
tr€n co so du thu, du'chi.
13. Ghi nhiin thu nh4p til phi vir hoa h6ng dich vu
Ngdrr hdng thr,r plif tiL ciic dich vu cung cap cho klrdch lrdng. 'l-hu nhAp
til phf c6 the chia
thdnh
c6c nh6m sau:
o
Phi thu ti'viQc
cunS4 cAp
tlich vu trong mQt thd'i giun nhdt rllnh:
cung cap dich vu trong mot tlroi gian Irhdt clinh
drLcrc dr"L
pl-t(
thu tir viec
thu lrorrg su6t thd'i gian d6. Phf pdy
bao g6rn phi qr-ran l1', phi nhAn uy tli6c, hoa horrg vA cdrc phi li6n quan dOn cAp tin dung.
cluan lj tdi sdn. phf qLran ly danh rnuc vir ciic chi phi qudr.r 11, ctirrg nhu'phf tu'v6n kh6c.
.
Ph[ thu ti'viAc cung cifp t$ch vq giuo dlch: I'h phiit sinh tir vi6c cldrn ph6n vd tharn
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ciic loai chf'ng khoiin kh6c hodc mua lai doanh nghi6p , duo-c ghi nhdn khi hodn t6t giao
dich li6n quan. Phf hodc rnot phAn cua klioan phi ndy c6 li6n quan d6n vi0c thu'c hi6n rndt
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STIB
Ngdn hhng'I'MCP Siri Gdn
-
Hn NOi
15. Ti6n m{1, ving b4c, df qu;i
3U03120t2
VNI)
f
iOn mdt bang
VNI)
3111212011
VNI)
244.696.469.77
Ngin
131.369,301,893
362,763,530,009
16. I'i6n gri'i tai
293.849.671,377
l 18,067.060.233
).
-..tcn ma1 ,J
I
bang ngoal te
5
425,218,979,260
hzing Nh:i nu6'c
3v03t2012
31t12t20t
VNI)
'l'i0n
I
VNI)
f ien gtii
.,..
).
l rcn
thanh toiin t:ri NgAn hdng Nhd
rTtr6'c
t.00e..r9t.i4i.l4l
35.1
1,009,391,3 43,141
gLLi
35, I I 1,525,637
1I
,525,637
phong toa (n6Lr c6)
gLIl kh6c
17. 'I'i6n, virng gri'i
t4i cic td chri'c 1in dgng khric
3110312012
VNI)
TiAn, virrg gii'i khdng kj,
- Ilang VNI)
- bang ngoat le.
l-:
h{n
3111212011
VNI)
3,549,225,475,.750
3,l5g,2gl,glg,025
l0
3.07 r .501.520.334
265.092.425.140
96,790,29'7.691
:1.2u,{. 133.050.3
vuiltg
Tiin, vring gti'i cd k! han
22,173,617,855,1759
- llang VNI)
20.590.66s.s5 5.65
,-J
- Ltang ngoar tc. vallg
I 5,686,892,914,930
5
1.582.952.299,403
25,722,843,0330,808
14,316,410,414.{i30
I .3
70.482,400.000
I 8,845,174,632.855
SI{I}
NgAn
hing I'MCP Shi (ldn - IIa N6i
18. Chri'ng
khoin kinh doanh
3 | 103/2012
3l/t2l20ll
VNI)
VNI)
4I,507,934,694
36,165,293,695
l1,507.fi3+.694
36.165.293.695
(20,465,995,765)
(18,361,121,269)
2l,o4l,g4g,g2g
t7,904,172,427
Chilng kltodn No
- Chrhng kho6n Chfnh phu
- Chfing
No do c6c l-C'l-l) kh6c trong
l
r-rucic phirt hdnl-r
- Chung kho6n No do c6c fCKl'trong
rm6'c
phiir hdnh
Chri'ng khodn V6n
- Chrlng
l
V6u do cac 'l'C'l'D l
rruoc pl-rzit lrdnh
- Chtrrrg kl-rodn Von do c6c'l'CK'f trong
r.ru6c
phiit hirrrh
Cltfi'ng kltodn kinh ilounlr kltcic
Dqt' pltbng gidm
dounh
gid cltfi'ng khodn kinlr
'l'hur6t minh r'6 rinh tr4ng niGm y6t cria c{c
chri'ng khofn kinh doanh
3U03t2012
3t
n2t20tl
VND
Clrfing
VNI)
Il t.J\t
r
I
36,165,293,695
41.507.834,694
36,165.293.695
11.507.834.694
36,165,293,695
khoin Ng
;
- tJa ntcnl yct
-
t
I
lrua ntcln ye1
Chti'ttg khodn
Vin
{.
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- Chua nidm yOt
Chfi'ng khodn kinlt dotnlt khdc:
A.
- lJa nlcrn yet
- Chua niOm y6t
SHIt
NgAn
hing TMCP Siri Gdn - IIn Ndi
19. Cric cOng cg
tii
chinh phdi sinh
yrrr
c{c liri srin
tii
chinh khic
giri tri cuu hop
clong (theo 4, giti
TOng
ngity hieu ltrc: hop
'l6ng gici
tri ghi s6 kd totin
(theo
tl gid tai ngay ldp hcio ciro)
'l-ai
rirlrttr)
1'ai ngdy
3l
thring 3 nirm 2012
C|rtg cqt 7'C phrii sinh tiin
t(
903,l -10,997,693
3l thing l2
COng cq 7'C
398,,183,360,9 | 2
4,035,834,699
343,538,671.il2
tC
/
!i.r
(rla() (llCll n()itn qOl K\ 'IIAII
20. Cho vay kh:ich
2,822,462,122
4,649,608,299
ndm 201 l
phtii sinh tiin t(
Giao dich l
329,5 86,052
58,040.690.53 0
Giao dich horin d6i kj,han
3,152,049,77 4
845,090,307. r53
Giao dich kj, han ti6n te
Tai ngiy
Cong no
san
/6t I 771 6nO\
54,944,6 tt9. fJ00
hing
3v03t2012
VND
Cho vay ciic t6 chiLc hinh t6. cd nhAn trong
nutic
Cho vay chi6t khALr thuong phiSu vd cdc
31t12t2011
VNI)
31.289.278.323.591
28-923.417.44t,804
3,6.280.372,332
22.168.473,454
283,84t.675
.^
glay ro co gla
2.270.922,1t4
Cho thu6 tdi chfnh
Ciic khoiin tra thal'khrich hdng
; ..
('ho va1 ,:. von tai tro-. uy lhAc dau tu'
hing
Cho vay O5i vOi circ 1o chLrc. cd nhAn nrrtic
ngodi
Cho vay khiic
Nocho vay duo-c khoanh vd
8.85 8,872.549
l0.7l
g,g 10,674
24.993.600,000
201 .283.803.1 06
no-
203.274,991,859
31,560,979,913,253
29,161,950,639,905
chd'xu' ly
l0
SFIB
NgSn hdng 'I'MCP SAi Gdn
* Hn NOi
20.1. Phffn tich chfl1 lu'ryng no cho vay
1l /03/2012
3l /12/20t
VNI)
No du tieu chudn
No cAn chli y
No clurii ti€u chudn
No nghi ngc)
No cti l
29.932.856.361 ^022
8s 8.260,003.752
| 7O.145.21 3.,+85
I
VNI)
27 ,41
|
6.800,25
5
.5 | 7
.093.637 ,444.907
218.922.396,906
|
316.O92.921.526
278"343,046,891
3l,560,978,8 13,253
20.2. l'>hfln tfch du nq thco
253,624,3 r3,46tt
29,16l,950,639,905
54.t47,495,684
thdi gian
3l/03/2012
VND
No
ngdr.r han
No lrung
20,669,139.147 ,206
3|
/12/201
|
VNI)
18.514,229,358,086
6,394.82t,023,356
4.252,800.25 8.463
3l ,560,979,913,253
Ncr dai han
^729.840
4.399 ^463,936.207
har.r
29,161,950,639,905
6.492.37
5
20.3. PhAn tich du no- cho vay theo d6i tuong kh6ch hing vir lo4i hinh doanh nghi@p
3Ut2t20tl
3U03t2012
tri0u VND
Cho vo1' ctic TCKT
Doanh nghiCp Nhir nu6c tfung uong
Doanh nghiOp NhA nrLoc dia phuong
COng t1' 'I
NIIII
Nhd nLltic
"h
2-1,042,2 t 9
73.02
1.121.575
3.55
491.i59
r.56
tri6u
VND
t9,951,578
5
224.399
r.063.033
79t.37
r.509.081
1.7tt
6.639.716
21.04
C0ng t1'c0 phdn Nhd nu'(rc
2.42J.428
1.68
2.138.144
C0ng t1 c0 phin khdc
9.177..501
29.0tt
r{.575.624
t,691
0.01
C6ng t1 'l'NI
III tu nhdn
C0ng t1'htrp danh
Doanh nghiOp tu nhdn
813.61
I
2.61
Doanh nghi0p c(r v6n diu tu nutic ngodi
806.i47
2.56
26.tt86
0.09
8,3 58,488
26.18
Klnll
!;
tr. tap tnc
Cho t,ut cd nhiin
Cho vay khic
160,272
3t.560.979
0.5
100.00
|
6.280.638
%
68.42
2.7 |
0.77
3.65
2 t .5.1
7.33
29.41
19 0 00
531.685 1.82
i28.493 L l 3
16.867 0.06
9,079,1 52
31.l3
I 31 ,121
0.45
29,I 6l,85l 100.00
I,l
il
SF{B
l'MCl' Sii (iirn
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20.4.
.-
IIh N6i
I'hin lfch du no.'cho vay thco nginh kinh
16
3t /03/2012
triQu VNI)
N6ng nghi0p r ii linr nghiCp r i thirl slr.r
t.rJ8l.36n
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i.(x)6.i
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.
rrrrrrc
t.:
Cr,rng crlp nu(rc: hoat drin-u c1r-ran
lf r,i
rLr
"178.7 62
I 1.93
9.5 3
2.676.492
9.l8
Iu.07
5.068.777
r7.38
1.6.1
.186.452
|.67
5.4112
002
6"195
0.02
9.24
3.3 0 I .472
I I .-)i
5.742.949
19.7 0
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lj
dun-e
ll6n bu6n
vi bin lc; sua chira 6 t6. m6 t6. xe
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tr'[r r.i\
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tr3.528
chirrh. ngirr hirru r ri
5.3 3
3.75
782.871
2.68
0..176
0.10
28.032
.l4l.09ti
1.40
163.209
1.59
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4..16
r.395.239
1.77
21.237
0.07
24.458
0.08
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31/12/201r
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NgAn hdng TMCP Siri Cdn
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5,083,089,990,960
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QSD DAT SO 35 LY THUONG KIET HOAN KIEM HN SO DO 88916409
245 332 905 000
245,332 905 000
QSD DAT SO 35 LY THUONG KIET HOAN KIEII HA NOI SO DO 88916408
239,815 317 000
239 815 317,000
QSD 10 VONG DUC (H0 NHA NGUYEN THI CUC)
30 449 760 000
30 449 760 000
osD s0
22 523 867 000
22,523 B6i 000
QSD NHA 31 LY THUONG KIET(BA KIEN
43 705 068 000
43 705 068,000
175.1ii NHA TRANG KHANH HOA
18 037 226 100
1
QSD
10 VONG DUO(HO NHA ONG THA
DAT 358 LY THU0NG KIET(HONHA 0NG
07 220 759 000
107 220 759 000
7 483 603 600
1
7 483 603 600
QSD SO O1 NGUYEN VAN CU DA LAT
QSD TUYEN S0N DA NANG (41.531M)
1
29 1 38 454 546
1
8 473,400 000
KHU DAT TUYEN SON DA NANG (6 157
1
QSD 14HA HOA [/IINH LIEN CHIEU DA NANG
37 518 036 000
QSD DAT CLB SHB DA NANG(CO TG SD 50 NAIV)
QUYEN SD DAT 33 LY THUONG KIET HA
8,037 226 1 00
29 1 38 454 546
1
37
473 400 000
51 B
036 000
7 889 000 000
7 BB9 000 000
126,528 711 580
I
1
26 528 71 1,580
2 881 587 000
QSD DAT SO 31 LYTHUONG KIET
12 881 587 000
1
QSD DAT 77 TRAN HUNG DAO
78 319 970 000
78,31 9,970 000
QSD DAT SO 33 LTK 6
49 001 464 795
49 001 464 795
650 000 000
650 000 000
300,000 000
300 000,000
637 812 000
637
408 080 000
408 080 000
B
VONG DUC
QSD DATTAI CN CANTHO.
138
D 3.2 TPCANTHO
QSD DAT TRUONG XUAN
QSD DAT BINH THUY
.
QSD DAT-GARAGE XE
81
2 000
253,800 000
253 800,000
QUYENSU DUNG DAT NHA 89 NGUYEN VAN LINH-DN
4 376 1 74 000
4 376 174 000
QUYEN SU DAT NHA SO 91 NGUYEN VAN LINH
4
3i6 980 400
4 376 980 400
QUYEN SU DUNG DAT
5 21 1 535 400
5 21 1 535 400
QSD DAT THANH QUOI
2,030,651,35i1,061
2,030,651,35i1,061
l8
s;FIIT
NgAn hhng'I'MCP
Sii Gdn lla
NQi
26.'l'di srin C6 khfc
31t03t2012
VND
C6c khoin l6i" phi phdi thu
Chi phi xdy dung co ban do clang
Cac l
3U12t2011
VNI)
2.086.947 .599,27 6
|
.645 .443 .688.7 89
53,820,545, I 07
2.1t t.055.'.|06.659
(*)
48.600,604.23 0
2.545,849,893,915
Du phong rui ro cho c6c tdi san C6 l
(106.666,661)
924,614.419,803
5,815,864,425,546
(*): Kh6ng bao gdm thi
969.260,51 5,38 i
5,169,621,890,977
sdn thu6 thu nhAp hodn lai vd c6c klioan phdi
b0
27. Cic khoin no Chinh phii vir NIINN
3110312012
VNI)
Vay
I\JJYY
' .:
Vay thco ho so'trn clullg
31t12t2011
VNI)
400,000,000,000
2,184,953,736,905
400,000.000.000
700,000,000.000
Vay chi6t kh6u. trii chi6t kh6u gi6y to c6
1.109,505,899^736
Vay cdm cd c6c giAy to c6 gid v(ri NI INN
315.447.831.069
bdng VND
Vul'
13P
Tdi chfnh
Ctic khortn ngr khtic
400,000,000,000
2,181,953,736,905
19
