ngân hàng thương mại cổ phần sài gòn hà nội shb báo cáo tài chính hợp nhất quý 2 năm 2012 td bảng cân đối kế toán

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(n6u
c6)
cfrng drro-c
phdn
6nh vdo
gi5
tri
ghi

s6
cua
kho6n
diu tu'. Ldi duo-c
du
thu
hoac
phdn
bo theo phuo'ng phrip
dud'ng thdng. Cric
chf'ng
khoiin
ndy duo-c d6nh
giri
dinh
kj,theo
gi6
tri
thi tru'd'ng
vd du
phdng gi6rn
gi6
tri sC duo-c ldp
khi
gi6
tri thi truong nho ho'n
giri
tri
ghi
so.

Du phong
giarn giri
dr-ro-c
ghi
nhdn
vdo b6o
cdo k6t
quA
hoat
ddng kinh doanli.
7.
Chfng kho6n kinh
doanh
Chilng khoiln
kinh doanh ld
chilng kho6n
ban diu duo-c
mua
vd nim
gifr'cho
muc
dfch kinh
doanh trong
ngin han hodc
n6u Ban T6ng
Girim cl6c
quy6t
clinh nhu
vdy. Ngdn
hdng

clang
ghi
nhan
ciic chf'ng
kho6n ndy theo
gi6
g6c
vdo ngdy
giao
dich. Trong
cdc k] ti6p
theo,
ciic chinrg kho6n
ti6p
tuc duo-c
ghi
nhdn theo
giri g6c.
Tuy nhi€n,
gi6
tri thi truo'ng
crla c6c
chfi'ng khodn
v6n du'o'c
NgAn
hdng theo ct6i
dC cl6nh
gi6
ve tna ndng
giarn gi6

khi
gi6
tri thi trud'ng
th6p hon
gi6
g5c.
Ngoai
tru'
trud'ng ho-p kh6ng
thd
x6c
dinh
gi6
tri thi tru'o'ng rndt cdch
chic chfn
thi
gi6
tri cr-ia
chfng duo-c
tfnh
dua tr€n nguydn
giii
sau khi trir cti t6n th6t u6'c tinh
(n6u
c6). Ldi hodc
16 tir kinh
doanh chiLng
khorin
duo-c
ghi

nhdn tr6n
b6o c6o kt5t
qud
hoat cl6ng kinh
doanh theo
s6 thuAn.
8. Cfc khoin
cho vav
Cric khoAn
cho
vay ngin
han
co k! han du6'i 1 ndm;
c6c
khoAn
cho vay
vd cho
thud tdi
chfnh
trung han
c6 kj'han
tu' I narn cl6n
5 ndm vd
ciic kho6n
cho vay vd
cho thud
tdi
chinh
ddi han
c6 kv

han
tr€n 5 ndm
k6 til ngdy
giAi
ngdn.
Vi€c
phdn
loqi no-
vd l6p
du
phdng
rui ro tfn
dung
duo-c thuc
hi6n
theo
Quy6t
dinh
s6
49312005IQD-NHNN
ngdy
22 thdng 4
ndm 2005
vd
Quy6t
dinh
s6 l8l2007IQE-NI{NN
ngd1, 25
thing 4 ndm
2007

cria Th6ng ddc
Ngdn hdng Nhd
nu6'c
Vi6t Narn.
C6c khoAn
cho va1,
duo'c
phdrr
thdnh
ndrn nh6m
no- cdn
cil Vdo tinh hinh
tr6 no'vd
ceic
y6u
to dinh
tinh nhu
sau:
Nltdnt
l.
I'lo' du ti€u
chudn
o
CAc
khodn
no- trong
han md NgAn
hdng
clinh
gi6

ld c6
clir khd
ndng
thu h6i
dAv
dn ca
g6c
vd
ldi dring thd'i
han;
.
C6c khodn no'qu6 han
du6i l0hgdy
vd NgAn hdng
d6nh
gid
ld c6 khi
ndng thu
h6i
dAy drl
g5c
vd
ldi
bi
qu6
han vd thu h6i dAy dt
g6c
vd ldi dfng
thoi han cdn
lai:

Nhdm
2. Nq'ccin chu
y
.
Citc khodn
no,
lu1
han tir' 10 ngdy
ddn 90 ngdy;
.
Ctrc kho6n no-
di6u chinh kj,han
tra no- lan ctdu;
.
C6c khoAn no-
co c6u lai
thoi han tra no-
trong han
theo thd'i
han
duo-c co'c6u
lai.
Nhtim
3. l,,lq'dtro'i ti0u
chtran
.
Cdc khoan no
qud
han tir'
9l

cl6n I
80 nsav:
[:SHB
NgAn hing'I'MCP
Shi Gdn
-
HA NOi
.
Circ khoin
no-
co c6u
lai thd'i h4n trA no- ldn cl6u, tril ciic khodn no-
di6u chinh kj, han tra
no- lAn
diu
phAn
loai vdo nh6m 2;
.
Ciic
khodn no duo-c n-ri6n hodc
gi6m
ldi do kh6ch hdng khdng
dn kha ndng trA lai
dAy dn
theo ho-p dong tfn dung:
Nltdm 4"'
No nghi ngr|
.
C6c
khoan

no-
qu6
han til I B I den 360 ngdy:
.
Circ kho6n no-
co'c6u
lai thoi han
trir
no
lAn dAu
qr.r6
han
du6'i 90 ngdy
theo tho'i han
trd
no- du'o-c co c6u lai lAn dAu;
o
Cic
khodn no-
co'cau lai tho'i han trd no- ldn thf' hai;
IYhdm
5:
Nq
co
kha ndng nat von
.
Cdc khoAn
no-
quii
han tr6n

360
ngdy;
.
Ciic khoin
no
co'c6u
lai
thd'i
han tri no- lAn dAu
quii
han tir 90 ngdy tro'
l6n tlieo tlroi
han
trd no- duo-c co c5,
lai
l6n dAu;
'
.
Ciic
khoAn no'co
c6u
lai
thoi han tra no- lAn thf' hai qu6
han
theo thd'i han
trA no-
duoc
co'c6u
lai lAn
thfi hai;

.
C6c khoan no- co' c6u lai thd'i han
trd no- ldn thir
ba tro' l€n,
kti ci chua
bi
quri
han
hodc
dd
quri
han;
.
Circ khoin no- khoanh,
no- chd' xil ly;
Theo
Quy6t
dinh s6 49312005/QD-NIINN
ngdy 22
thdng 4 ndm
2005
vd
Quy€t
clinh so
|SI2}}71QD-NHNN
ngiry 25
thring 4 ndm2007, A6i
vOi cric khodn
no-
qu6

han,
td
chrlrc tin dung
phAn
loai lai vdo nh6m no-
c6-rrii ro th6p ho'n
khi Ng6n hdng
d6nh
gi6
I.d
c6 di khd ndng:hu
h6i
dAy
di
ca
gdc
vd ldi;
vd kh6ch hdng c6
tdi li6u, h6 so ch0'ng
minh c6c
nguydn nhdn
ldm
khoAn no-
ndy
qud
han
duo-c x[r
ly, kh6c
phuc.
Ngdn hdng

chir d6ng tu quy6t
dinh ph6n
loai
c6c
khoin
no- vdo
c6c
nh6m no-
rui ro
cao ho-n tu'o'ng
f'ng v6'i mfic dd rui ro
khi x6y ra
m6t trong
c6c
trudng ho-p
sau.dAy:
.
Khi
c6 nhrl'ng di6n
bi€n b6t lo. i til tric
ddng ti€u cuc
cl6n rn6i
trud'ng
kinh doanh
vd
lTnh
vuc kinh doanh:
C6c chiti6u
tdi chfnh cia kh6ch.hdng
hodc kh6 ndng trd no- cua kh6ch

hdng bi su1.,giam;
.
Khrich hhng khong cung cdp cho NgAn hdng ciic th6ng
tin tdi chinh kip thiri,
dd-v cfii
vd
chfnh x6c cl€ Ngdn hdng drinh
gi6
kh6 ndng tr6 no-
cira kh6ch hdng.
Duphdngriiirotintlung:
ViectinhduphongcUthddrLo-ccdnciltr6n
cS,cty166pdungcho
til'ns nhorn no
nhu sau:
STIB
Ngfln hing TMCP
Sii Gdn
-
He NQi
Nh6m
I
2
3
4
5
Logi
,i
l\o du tleu cnuan
No- cAn

ch[r
y
;.
No- Ouol treu cnuan
No- nghi ngd'
-i:
i\o-
co Kna nang Inat von
-
Nhd cira, vdt ki6n trfc
,
.t
';
l
-
lvlay moc,
tnlel Dl
-
Phuo'ng
ti6n vdn tAi
-
Dung cu
qudn
lli
vd
phAn
rndm
tin hoc
Tf lQ
dq

phdng
cg th6
0%
5%
20%
50%
100%
9. Tiri
sin cd
ilinh
fdi siur
cd dinh du'o-c th6 hi€n
theo nguydn
gi:i
tril di khdLu
hao lfry
k6. Nguydn giri
bao
g6nr
todn
b6 c6c chi
phi
md Ngdn
hdng
phAi
bo ra
cl6 c6 duo-c tdi s6n
c6 dinh
tfnh d6n thoi
diem

clua tai
sin d6 vdo trang
thrii sin sdng sfi'dung. Tdi s6n c6
dlnh cfuo-c tinh
kh6u hao
theo
phuong
phrip
., : ,;.
du'd'ng thang
cle tru'ddn nguy€n
gi6
tdi sin trong
sudt thd'i
gian
h['u
dung u6'c
tinh nhu
sau:
l0
-
25 ndrn
03
-
05 ndrn
06 -
l0 narn
03
-
08 ndm

Quy6n
su' dung
d6t dLlo-c kh6u
hao theo
phuo'ng
ph6p
dud'ng
thing
phir
ho-p
v6'i Gi6y
chrlrng
nhl,
luydn
st'dung
C6t.
quyCn
sil dung dat vo
thoi han
duo-c
ghi
nhAn
theo
giri
gdc
vd khdng
tinlr
khdu hao.
10. Ti6n
vir cfc

khoin tuo'ng
duung
ti6n
Tidn vd
c6c khodn
tuo'ng
duo'ng
tidn bao
g6m
ti6n
mdt,
vdng,
d6
quy,
ti6n
giLi
thanh
to6n
tai
NI{NN,
tfn
phi6u
Chfnh
phri
vd
citc
giSy
td'c6
gi6
ng6n

han
du di€u
ki6n
chi6t kh6u
v6.i
NHNirt.
cric
khoin
ti6n
gri'i
thanh toiin
vd tidn
giti,
cho vay tai
cdc td
chilc tin
dung khiic
c6
thd'i han
d6o han
khdng
quri
3 thring k€
tn'ngdy
gt'i.
'
^
li.
Cric cdng cg tii
chinh

phdi
sinh
CAc c6ng
cu tdi chinh
phrii
sinh duo-c
ghi
nliAn
tr6n bing
cAn AOi f<e
toiin
theo
gi:i
tri ho-o ddng
vdo ngdy giao
dich, vd sau
dd duo-c d6nh
giri
lai
theo
gi6
tri ho.
p
ly.
Lo. i nhLrqn
hodc
16 khi
ciic c6ng
cu
'l

I chinh
ph6i
sinh duo-c thuc hi6n
duo-c
ghi
nhdn
trong
bdo crio
k6t
qua
hoal
d6ng kinh
doanh.
Lo'i nhudn
hodc
16 chua thuc
hi6n duo-c
ghi
nhdn
vdo khodn
rnuc
ch€nh l€ch
ctrinh
gi6
lai
cfc c6ng
cu
tdi chinh
phrii
sinh tr6n

b6ng cAn d6i k6
to6n vd duo-c
ket chuy€n
vio k6t
qu6
hoat
ct6ng kinh
doanh vdo
thoi di€m
cuoi narn.
*
SHIT
NgAn
hdng
TMCP
Sii
Gdn
-
rld
N6i
12.
Ghi
nhdn
thu
nhflp/
chi phi
tf,i
Ngdn
hdng ghi
nhAn

thu
nhAp
tu
ldi
vd chi phi
ldi
trdn
biio
crio
ktit qua
hoat
d6ng
kinh
doanli
trdn
co
so'du
thu,
du
chi.
13.
Ghi
nhin
thu
nhflp
tir phi
vh
hoa
h6ng
dich

vu
Ngan
hdng
thu phf
tir
c6c
dich
vu
cung
cap
cho
khrich
hdng.
Thu
nhap
til
phi
c6
th6
chia
thdnh
c6c
nh6m
sau:
c
Ph[
tltu
tit
vipc
cung

ciip
ttlch
vy
trong
mQt
thdi gian
nhiit
illnh:
phi
rhu
tiL
vi6c
c'ng
c6p
dich
vu
trong
mdt
thd'i gian
nh6t
dinh
duo-c
du
thu
trong
sr-rdt
tho.i gian
d6.
phf
nay

bao g6rn
phi
quAn
ly,
phf
nhAn
iry
th6c,
hoa
h6ng
vd
c6c phi
li€n
quan
den
c6p
tfn
dung.
quan
ly
tdi
sin,
phf
qudn
llf
danh
muc
vd
ciic
chi phi

quAn
ly
cfing
nhu phf
tu
vdn
khric.
'
Phi
thu
tir viQc
cung
cdp
cllch
vy giuo
dich:
Phi phrit
sinh
tu.
vi€c
ddm phrin
vd
rharr
gia
cldm phiin
ciic giao
dich
cho
m6t
b6n

thiL
ba,
vf
du nhu'ddn
x6p
vi€c
mua
c6
phdn
hodc
.
ciic
loai
chf'ng
kho6n
khiic
hodc
mua
lai
doanh
nghi€p
,
duo-c ghi
nh6n
khi
hodn
t6t
giao
dich
li€n

quan.
Phf
hodc
m6t phdn
cria
khoan
phi
ndy
c6
lidn
quan
d6n
vi6c
thu,c
hi6n
'r6t
c6'g
vi6c
nh6t
dinh
s6
duo-c ghi
nhdn
khi
hodn
t6t
oieu
ki6n
tuong
f.ng.

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flr
E-
A,E
ir'r

<CE
.ri
b!
'2.
SHB
Ngdn
hdngTMCP
Sdi
Gdn
-
IIA
N6i
15.
Ti6n
m{t,
ving
b4c,
d:i quy
Tidn
mirr;
bing
VND
Tidn
rn2if
bing
ngoai
t€
16.
Ii6n giii
tai

Ngin
hing
Nhh
nuri,c
Ti6n
grLi
thanh
toiin
tai
NgAn
hdng
Nhd
nu6.c
T.:
-
I
len grr
phong
toa
(ndu
co)
f
i6n gri'i
khric
17.
Ti6n,
ving
giri
t4i
c6c

t6
chric
tin
dgng
kh6c
Ti2n,,viing
gfti
khing
kjt'hgn
-
Bdng
VND
nl
-
lJaitg
ngoat
te. vang
Tiin,
viing
giri
cd kjt
hgn
-
Bring
VND
,.
r':
-
sang
ngoal

te.
vang
293,949,677,371
131,369,301,893
340,696,963,675
425,219,979,260
30t06t2012
VND
3t/12t20t
I
VND
222,590,479,033
118,096,484.642
30/06t2012
VND
3t/12t201|
VNI)
B r 9,858.205.006
35,111,525,637
819,959,205.006
35,111,525.637
30t06/2012
\TND
3v12t2011
VNI)
3,159,29I,g
l
g,02
5
3,071

,501
,520,334
96,790,297,691
15,696,992,914,930
14.316,41
0.414,930
1,370,492,400,000
30,376,777,267,152
18,945,17
4,632,955
2,793,93
5,909,64g
2,2i3,j96,645,417
540,039,164,231
27,592,941,457,504
25,262,720,057,504
2,320,221,400,000
SHB
Ngdn hhng
TMCP Sdri Gdn
-
Hn NQi
18.
Chf'ng khofn kinh doanh
3010612012
VNI)
31t12t2011
VND
Chimg khocin Ngt
-

Chrlng
kho6n Chinh
phri
-
Chfng khodn
No- do cdc TCTD
kh6c trong
nuo'c
ph6t
hdnh
-
Chf'ng
kho6n No- do cric TCKT trong nu6'c
phrlt
hdnh
Chritrg khotin V6n
-
Chri'ng khoiin V6n do c6c TCTD kh6c trong
nu6'c
ph6t
hdnli
-
ChLlng kho6n
V5n do crlc TCKT trong nu'6c
-
ph6t
hdnh
Chftttg kltodn
kinh doanh khdc
Du'

phbng
girtm gid
chftng khoin kinh
dounlt
31,886,773,296
36,165,293,695
31.886,773,286
t6 165
'q1
6qs
(18,567,759,954)
(I8,361,121,269)
13,319,014,332
l7,844J72,427
'I'huy6t
minh
vG tinh tr4ng ni6m
ydt
cua c:ic
chrfrng khorin
kinh
doanh
Chftng khodn
Nq
L
-
lJa
nlem
yet
-

Chua ni6m y6t
'
-,;
LLtrng l{lroon
yon
-
Dd ni6m
y6t
^.
-
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yet
Chftng khodn
kinh doanh klttic:
;.
-
ua nlem
yel
-
Chua ni€m y6t
30t06t2012
VND
3U12t2011
VND
31,886,773,286
31,886,773,296
.:
36,165,293,695
36.16s,293,695
31,886,773,296

36,165,293,695
SFIB
Ngin
hirng'I'MCP Sdi Gdn
-
Hn NQi
19. C:ic cdng cg
tii chinh
phdi
sinh
vh cfc
tiri srin tii
chinh
khfc
'l'6ng
giu lri ctta hop
d6ng
(theo
ty
gia
ngiiy
hi€u ltrc'
futp d6ng)
T6ng
gid
tri
ghi
s6 k€ rodn
(theo
ty

gia
t(ti ngdy lqp bao
coo)
I-ai san C6ng nc2'
T4i nghy 30 th6ng
06 nim 2012
CAng c4
TC
phtii
sitrh tiin
tQ
Giao
dich kj, han
ti6n t€
Giao
dich ho5n d6i
kj,h4n
T4i ngiry 3l
thring
l2 nim
201I
CAng
cqt
TC
phtii
sinh
tiin
tQ
Giao
dlch

k! han
tiOn t€
Giao
dlch
ho6n d6i
kj'h4n
20. Cho
vay kh{ch
hdrng
I
,3
76,776,220,098
768.448,370,000
608,327,850,098
398,483,360,912
343,538,671,112
54,944,689,800
4,948,819,128
5,s28,s62,238
4,035,834,699
4,649,608,299
(579,683,
r r
0)
(613,773,600)
3Ut2l20t1
VNI)
30t06t2012
VND
Cho

vay c6c
td chLi'c
kinh
te, cd
nhdn trong
nu'oc
,
.r.
,,
a
'
Cho
vay chi€t
khau thuo'ng
phieu va ciic
giAy
to'co
giri
Cho
thu€ tdi chinh
Cric khoin trdthay
kh6ch
hdng
,I ;
Cho
vay bang
von
thi tro
uy thac
dAu tu'

Cho vay
e6i vOl
c6c t6
chuc. cd
nhdn
n.uoc
ngodi
Cho
vay khiic
No-
cho vay
duo-c
khoanh
vd
no, chd'xu
ly
30,380,921
,228,140
49,459,171,372
283,841,675
7,294,583,180
238,688.880,000
20,149,377,478
28.923,4t7
,441,804
22,168,473,454
2,270,922.114
1 0,7 1
8,8
I 0,674

203,274,991,859
30,695,797,081,845
29,161,850,639,905
IiSHB
Ngdn hing'I'MCP
Shi Gdn
-
Her N6i
20.1. Phin
tich chft lugng ncr
cho vay
Ns,'dn
ti€u chuAn
\r,,
l\o- can
cnu
y
No-
du'6'i
ti6u chuAn
No
nghi ngd
,
(.
{
r\o-
co Kna nang
maI
von
20.2.I'hin

tfch du
nq
theo thdi
gian
No ngdn
han
No- trung
han
No- ddi han
Clro vtry
ctic TCKT
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nghiOp
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trung
uong
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nghiOp
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dia
phuong
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ty
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ty TNHH tu nhdn
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c6
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nuci'c
OOng ty c6
phdn
kh6c
C6ng
ty hap
danh
I)oanh
nghiQp
tu
nhdn
,
l)oanh
nghiQp c6 v6n
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tap the
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cd nhdn
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kltric
30,695,797,081,945
29,161,950,639,905
30/06t2012
VND
3v12/20t1
VNI)
28,914,953,967
,696
1

,006,204,281
,594
174,779,905,323
284,073,500,324
3 15,886,526,91
8
27
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1
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218,922.396.906
| 54,1 47
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278,343,046,891
3010612012
VND
3U1212011
VND
19.260,139,787,949
6.448,585,977
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4,987
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18,514,229,359,096
6,394,821,023,',356
4,252.800,258.463
30,695,,797,091,945
29,161,950,639,905

20.3. Phf,n
tich
du
no
cho vay
theo tl6i tu'crng khrich
hing
vd lo4i
hinh
doanh nghiGp
30/o6/2012
tri€u VND
3l/12/2011
triQu
VND
72.09
19,951,577
73.02
3.93
79|,375
l5j
1.57
224,399
.
t.5(r
4.80
1.063.0i.r
4.1:i
21 .53
6,280.638

21.Otl
7.37 2.138.144
7 .(\8
29.96
8,575.621
?9.011
0.01
1,3 19
0.0 I
l
-69 531.685
).67
1.08
328.493
2 1(r
0. 15
|
6-86i
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27.53
9,079,152
26.48
0.38 t3I,12I
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o/o
22,129,930
1
.206,51
5
481.917

1,473,897
6,608,148
2,263,412
9.196,969
4.234
5 i 8.941
:13 I
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8,4 s0,33
5
t r
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61
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t1
30,695,797
100.00
,i,.SHB
Ngdn
hing TMCP
Sii Gdn
-
I{n
NOi
20.4.
Phin
tich

du nq cho
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kinh t6
.N6ng
nghi€p
vd lArn nghiQp
vd
thuy
san
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kho6ng
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nghidp
ch6 Uien,
ch6 tao
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xu6t
vd
phAn pn5i
dien, khi
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khf
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ly vd
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ngdn hdng
vd
bao
nlcm
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d6ng kinh
doanh
b6t
ddng
san
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dOng
chuy€n
m6n,
khoa
hoc
vir
c6ng
ngh€
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dOng
hdnh
chinh
vd

dich
vqr h5
trcr
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d6ng
cua Dang
CQng
san, t6
chri'c
chinh
tri -
xd h6i, quan
ly nh?r
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an
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xa h6i
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ciic
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dinh

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dQng
cua
cdc t6
chlc
vd
qu6c
t6
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du
no.'
co
quan
t.
30/06/2012
tri€u
VND
3t/ t2/201|
tri6u
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o/
/o
4,654,700
2.518,O51
4,996,113
5t? 157
8,569
2,978,892
6,406,578
1,637,242

1,130,904
40,324
177,342
1,352,895
14,601
34,s83
4,258
9,673
s I lc)s
15,090
3,918,990
140,208
10,233
1
5.16
8.40
16.28
1.74
0.03
9.70
20.87
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3
3.68
0.l3
0.s8
4.41
0.05
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0.03
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12.'77
0.46
0.03
3,478.762
2,676,492
5,068,771
486,452
6,195
3,301,472
5,742,949
t,553.4t8
782.871
28,032
463,209
|
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24,4s8
32,697
5.3 03
13,480
45,346
12,709
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21.
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trong nu'6'c
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hdnh
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phdng
gidm
gid
ch[rng
khotin
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iIO bdn
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l4
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chung
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phong

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NgAn hdng TMCP
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-
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22.2. Chftng khorln diu tu
giir
il6n ngiy d6o h4n
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phri
Chf'ng
kho6n No- do cric TCTD kh6c
trong
nu'6'c
ph6t
hdnh
Du
phdng gi6m gi6
chung khoan dau tu'gifr'
cl6n ngdy d6o han
23. G6p
v6n, iliu tu
dii h4n
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giri
tri tliu tu theo lo4i
hinh
diu tu:
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c6ng
ty
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ty
li€n

doanh
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ty
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han
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334,299,000,000
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Danh
mgc
cfc
khof,n
dflu tu,
g6p
vdn nhu sau:
3U03/2012
3Ut2t20ll
T€n
cric do'n
vi
C6ng ty CP DAu
tu
vd
PT Cao
Su Ngh0 An
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quirn
ly
qu!
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NOi
cdng ty
cP cK sdi Gdn
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phAn
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SHB
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TNIIH
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san Gcntraco
.
v
C
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