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i6n vi cric khoin tiAn tai thiri di6mdAu k
vir c{c khoin tucns d ti6n tdn cu6i nim
487.515.896.361
5.900.285.529.062
I,r44,1r1,701)
6.387.80 1.125.123
Ngfln
hing
Thucrng
mai
C6
phAn
Sdi
Gdn -
Hd
N6i
36
77
-
frAn
Hung
D4o
-
Q.Hodn
Kiem -
Tp.ilA

NOi
-
Vi6t
Nam
BAN
rrruYET
MINH
BAo
cAo
TAI
crrixrr
Ndm
2009
1.
Thdng
tin
vO ngdn
hirng
Gifly ph6p
hoat
ddng 0041-NH/cp
ngdy
t
3 th6ng
I I ndm
1993
ciSy phdp
hoat
d6ng
do Ng6n

hdng
Nhd
nu6.c
Vi6t
Nam
cdp
Tldi.lur
hoat
cl6ng
cira
Ng6n
hdng
rd
40
ndm
ki5
ti'
ngdy
c6p gi6y
phdp
ddu
ti6n.
Iie
I iing
Quin
tri
6ng
D6
Quang
Hi6n,

Chrl
tich
Ong
Nguy6n
Vdn
L€,
Thdnh
vi6n
Ong
Nguy6n
Vdn
Hii,
Thdnh
vi€n
Ong
TrAn
Ngoc
Linh,
Thdnh
vi6n
Ong
Phan
Huy
Chi,
Thdnh
vi6n
6ng
TrAn
Thoai,
Thdnh

vidn
Ban
Tiing
Gi6m
tli5c
Ong
Nguy6n
Vdn
L€,
T6ng
GiSm
cl6c
(T6i
b6
nhi6m
lai
ngdy
0g
rh6ng
05
ndm2007)
6ng
fang
Trung
Dfing,
Ph6
T6ng
Gi6m
ct6c
(bo

nhiem
ngay
0l
th6ng
09
ndm
2006)
6ng
Bni
Tfn
Nghi,
Pho
Tong
Gidm
rr6c (b6
nhi6m
ngdy
05
thiing
06
ndm
2007)
6ng
L€
Ddng
Khoa,
pho
T6ng
Girim
doc(b6

nhi6m
ngdy
10
thring
04
ndm
2009)
Sd
77 -
TrAn
Hung
Dao -
e.Hodn
Ki6m
-
Tp.Hd
N6i
-
Vi6t
Nam
2.
Eic
di6m
hoat
d6ng
cfra
t6 chric
tin
dgng
Ngan

hdng
Thuong
mai
cd
phAn
Sdi
don
-
Hd
Ndi (du6'i
d6y ggi
tdt
lir
,,Ngdn
hdng,,)
ld
m6t
ngdn
hdng
thuong
mai
c6
phAn
ViQt
Nam
thdnh
lAp
tai
nu6c
C6ng

hda
Xd
h6i
Cht
nghia
Vi6t
Nam
v6'i
thd'i gian
hoat
d6ng
ld
40
nim
theo
0041-NH/GP
ngdy
13
th6ng
I
I nim
1993
ciaNgdn
hdng
Nhd
nu6'c
Vi6t
Nam.
V6n
di€u

16
cta
Ng6n
hdng
tai
ngdy
3010912009
ld
2.000.000.000.0000
vND
(Hai
nghin
ty
cl6ng
ViQt
Nim).
Hdi
so'chinh
cira
Ngdn
hdng
cluo-c
ddt
tai
56
77
-
Trdn
Hung
Dao

-
e.Hodn
Ki6m
-
.I.p.Hd
N6i
-
Vi6t
Nam.
laingdv
3l/12/2009,
NgAn
hdng
c6 1341
nhdn
vi€n (
Cu6inim
2008:
844
nh6n
vi€n).
Trg
s&
chinh
NgAn
hing
Thuong
mai
C6
phAn

Sdi Gdn
-
Hn
NQi
SO 77
-
TrAn Hung
Dqo
-
Q.Hodn
Ki6m -
Tp.Ha
N6i
-
Vi0t
Nam
T6m
tit
cdc chinh
sich
k6
torin
chri
yiiu
Chudn
mgc
vir ctrt5
O9 k6
tofn
rip dgng

'
Ngdn
hdng
trinh bdy
c6c
b6o crio
tdi
chfnh bing
ddng
Vi€t
Nam
(VND)
theo
Ludt
cric
T6
chrjlc
Tin
dung,
Ludt
sila OOi
va b6
sung
m6t s5
clidu
trong
LuAt
c6c To
chuc
Tfn

dung,
cilc
chu6n
muc
ki|
torin
Vi6t Nam
vd He
thdng
K€
to6n
cdc to
ch[,c
tfn dung
Vi6t Nam.
Kj b6o
crio
vi rlcrn
vi
ti6n
tp
Kj'b6o
ciio
cria
NgAn
hdng
U6t
dAu
til ngdy
0110112009

vd
k6t
thric
vdo
ngdy
3 t/l2l2009.Don
vi ti6n
td
sir
dung
rrong
ghi
chdp
kti
to6n ld
d6ng
Vi6t
Nam (VND).
3.
Nguy6n
tic ghi
nhfln
c6c
nghiQp
vg
bing
ngo4i
tQ vi
quy
d6i

Theo
hd
th6ng
kti
toan
cria
Ngdn hdng,
t6t ci
citc nghidp
vu phiit
sinh
cria
Ng6n
hdng
duoc
hach
toiin
theo
nguy6n
t€. Tai
tho'i
di6m
cu6i
nem,
tdi sdn
vd
cdng
no- c6
ngu6n g6c
ngoai

t€
duo'c quy
d6i
sang
VND
theo
ty
gi6
quy
clinh
vdo
ngdy
l6p
bing
cAn
OOi tti
todn.
Cdc khoan
thu
nh6p
vd
chi
phi
bing ngoai
td
cia Ngdn
hdng
duo-c hach
torin
bing

VNE
theo
ty
giavdo
ngdy
ph6t
sinh
th6ng qua
gido
dich
mua
biin
ngoai
t6.
ch€nh
lQch
t'i
gi6
do ctrinh giri
lai
c6c
tdi kho6n
kinh
doanh
ngoai
t6
duo-c
hach
toiin
vdo

b6o
c6o
K6t
qua
Hoat
d6ng
Kinh
doanh
vd lo-i
nhudn
ec tai.
ch6nh
lcch
ti
giri
ph6t
sinh
do
quy
cl6i c:ic
tdi
sdn
vd
c6ng
no- khiic
bing
ngoai
td
sang
VND

cluo-c
xir
ly
vdo
doanh
s5
cu-a
circ khoAn
muc
tuo'ng
ri'ng
tr€n
b6ng
cdn
OOi t<6
toiin
vdo ngdy
l6p
biio
c6o tdi
chfnh.
4.
Chrlng
kho:in
dAu
tu
giir
tt6n
ngdy
ttio

h4n
Chri'ng
khorin
no-
giff'
ct6n
ngay
ddo
han
ld
cilc
chri'ng
khoiin
c6
kj,han
cO
dintr
vd
c6c
khodn
thanh
torin
c6
clinh
hodc
c6
th6
xdc
dinh
duoc

vd
Ban
Tdng
Girim
d6c
c6
y
dinh
vd c6
kh6
ndng
gifr,d6n
ngdy
drlo
han'
Ngdn
hdng
dang
ghi
nhdn
ciic chri'ng
kho6n
ndy
theo giri
g6c
cdng
l6i
du
thu
trir

lii
chd' phdn
b6.
Gi6
tri
phu
tr6i
hodc
chi6t
kh6u
(n€u
c6)
cfrng
duo-c ph6n
rinh
vdo
giii
tri ghi
so
cua
khodn
dAu
tu.
LEi duoc
du
thu hodc
phAn
b6 theo phuong
phrlp
duong

thing.
Chri'ng
khoiin
duo.c
gifr'ddn
khi
d6o
han
sE
duo-c
xem
xdt
vd khi
ndng gi6m
giri.
Chf'ng
khoiin
duo.c
ldp
du
phdng
gi6m
gi6
khi
giri
tri
thi
trudng
nho
ho'n gi6

tri
ghis6.
Du phdng
giAm
gi6
cluo-c ghi
nhAn
vdo
b6o
c6o
kt5t
quA
hoat
ddng
kinh
doanh.
s.
Chring
khofn
ttiu
tu
sfrn
sdrng
aC nen
Chring
kho6n
dAu
tu s8n
sdng
Oe

Uan ld
ciic
chring
khodn
duoc gifi'trong
thd.i gian
kh6ng
6n dlnh
tru6'c,
c6 thd
ttuo-c
biin
dg
$ap
ri'ng
nhu
cdu
thanh
khoin
hodc
d6
rlng ph6
v6'i tru'd.ng
ho-p
thay
d6i
ldi
su6t,
ti
giii,

hodc
giri
tri
chung
khoiin.
NgAn
hdng
dang
ghi
nh6n
ciic
chirng
kho6n
ndy
theo giii
g6c
c6ng
ldi
du thu
trir
ldi
cho'phAn
b6.
Gi6 tri phu
trdi
ho6c
chi6t
kh6u (n6u
c6)
cfrng

ctuo-c ph6n
6nh
vdo gi6
tri ghi
so
cua
khoan
cldu
tu'.
Lii
duo'c
du
thu
hodc ph6n
b6
theo phuo.ng
ph6p
ctud.ng
thing.
Ciic
chf'ng
kho6n
ndy
duo-c
d6nh gi6
dinh
kj,theo giii
tri thi
trud.ng
vd

du phong
gi6m
giri
tri
Ngf,n
hdrng
Thucrng
m4i
Cd
phin
Sdi
Gdn -
Hd NQi
SO 77
-
Trin
IJung
Dao -
Q.Hodn
Ki6m -
Tp.Hd
N6i
-
Vi€t
Nam
s6
duoc ldp
khi gi6tri
thi
trudng

nh6
hon
gi6tri
ghi
s6. Du
phdng
giam
giri
duo-c ghi
nh6n
vdo biio
c6o k6t qu6
hoat
cl6ng
kinh
doanh.
6.'
Chf'ng
khodn
kinh
doanh
Cr'ung
khoiin
kinh
doanh
ld
chrlng
khoiin
ban
dAu

duo'c
mua
vd
n6m
gifi'cho
muc
dfch
kinh
doanh
trong
ng6n
han
ho{c
ndu
Ban
T6ng
Girim
ddc
quy6t
dinh
nhu
vdy.
Ngdn
hdng
clang ghi
nhAn
c6c
chfng
khorin
ndy

theo gid
gdc
viro
ngdry giao
dich.
Trong
c6c
kj,ti6p
theo,
c6c
ch6'ng
kho6n
ti6p
tuc
cluo-c ghi
nhdn
theo giri
g6c.
Tuy
nhi6n, giri
tri
thi
trud'ng
cta
ciic
chri.ng
kho6n
vAn
duo'c
Ng6n

hdng
theo
d6i
ec
eann
gi6
ve
khd
nang giAm
giri
khi giri
tri
thi
trudng
th6p
hon giri
g6c.
Ngoai
trt
trud.ng
ho'p
khdng
th6
x6c
ctinh
giri
tri thi
trud'ng
mQt
c6ch

ch6c
chin
thi
giri
tri
cfia
chring
duo-c
tfnh
dua
tr€n
nguy€n
giii
sau
khi
tri'di
t6n
th6t
u6'c
tinh
(ni5u
c6).
Lai
hodc
16
tir
kinh
doanh
chri,ne
khoiin

duo-c ghi
nhdn
tr6n
biio
cilo ktit qui
hoat
d6ng kinh
doanh
theo
s6
thudn.
7.
Cfc
khoin
cho
vay
Ciic khodn
cho
vay ngdn
han
co
k! han
du6'i
I ndm;
c6c khoin
cho
vay
vd
cho
thu6

tdi
chfnh
trung
h4n
c6
kj'han
tir
I ndm
d6n
5 nim
vd c6c
khoAn
cho
vay vd
cho
thu€
tdi
chinh
ddi
han
c6
k.i
han
trdn
5 ndm
k6
tir
ngdy
gi6i
ng6n.

Vi6c
ph6n
loai
no-
vd lAp
du phdng
nii
ro
tfn
dung
duo-c
thuc
hi€n
theo
euyt5t
dinh
s6
493/20051QD-NHNN
ngiry
22
thSng
4
ndm
2005
vd
Quyt5t
dinh
sd
t8t2007teD-NHNN
ngity

25
th6ng
4
ndm
2007
cta
Th6ng
tl6c
Ngdn
hdng
Nhd
nu6'c
Vi6t
Nam.
Cric
khoAn
cho
vay
duoc
ohAn
thdnh
nim
nh6m
no-
cdn
cri
vdo tinh
hinh
trd no
vd

c6c
y6u
td
dinh
tinh
nhu
sau:
Nhdm
L' No
du tieu
chuan
'
Circ khodn
no-
trong
han
md
NgAn
hdng
d6nh giri
ld
c6 rlu
khd
n6ng
thu
h6i
dAy
dn ca
gdc
vd

ldi
dring
thd,i
han;
o
Chc khoin
no- qu6
han
dud'i
l0
ngdy
vd
Ngdn
hdng
ddnh gi6
ld
c6
kh6
ndng
thu
h6i
dey
dt g6c
vd
ldi
bi
qu6
han
vd thu
h6i

dAy
dn
gdc
vd ldi
ching
thd'i
han
cdn
tai:
hnum
2;
Nct
cdn
chil
j,
.
C6c
khodn
no- qu:i
han
tu l0 ngdy
d6n
90 ngdy;
r
Ciic
kho6n
no-
didu
chinh
kj,han

trA
no- Iin
diu;
o
Ciic
khoin
no-
co c6u
lai
thd'i
han
tri no-
trong
han
theo
thdi
han
duo-c
co,c6u
lai.
Nhdm
3; Nct
dwyi
tidu
ih'ro,
o
Cfrc
kho6n
no- qu6
han

rir
9l d6n
lg0
ngdy;
,
'
Cfrc
kho6n
no-
co
cdu lai
thoi
han
trdr
no
lAn
cfdu,
trir
c6c
kho6n
no-
didu
chinh
ki,han
trA
no-
l6n
d6u phdn
loai
vdo nh6m

2;
Ngffn
hdrng
Thuong
m4i
Cd
phAn
Sni Gdn -
Hd Ndi
56 77
-'frAn
Hung
Dao -
Q.Hoan
Ki6m
-
Tp.Hd
N6i
-
Viet
Nam
.
C6c
khoAn no-
duo-c
mi6n hodc gi6m
l6i
do khrich
hdng
khong

du
kha
ndng
rrd laidAy
dn
theo ho-p
d6ng
tfn dung:
It{hdm
4:
Nct nghi
ngd
o
Cfrc khoAn
no quii
han
tir l8l
d5n 360
ngdy;
'
'
Ciic khoin
no-
co'c6u
lai tho'i
han
tr6 no'l6n
dAu quii
han
du6i

90
ngdy
theo
thd.i han
trd no
duo-c
co'c6u
lai lAn
ddu;
.
Chc khoAn
no co'c6u
lai
thd'i han
tr6
ncr
lAn thri
hai;
Nhdm
5:
Nq
cd khd
ndng
mtit
v6n
.
Citc khoin
no quii
han
tr€n

360 ngdy;
.
Cftc khoan
no
co c6u lai
thd'i
han trA
no- lAn
ddu quri
han
tir' 90 ngdy
tro l6n
theo
thdi
han
tri no'duo-c
co'c6, lai
l6n
dAu;
'
C6c khoin
no-
co' c5u
lai thd'i
han trA
no'
lAn thf'
hai qu6
han
theo

thd'i
han
tr6
no-
duo-c
-
co'c5u
lai lAn
thri
hai;
'
Ciic khodn
no- co
c6u lai
tho'i
han
tr6 no-
lAn
thf
ba
tro' l€n,
ki5
cA chua
bi
quii
han
hodc
dd
qu6
han;

.
Cic khoAn
no- khoanh,
no-
chd'xu
ly;
Theo
Quyi5t
dinh
sO
+SZ|ZOO5IQD-NHNN
ngiry
22
thSng
4
ndm
2005
vd
euytft
dinh
s6
I8/20071QD-NHNN
ngiry
25
th6ng4
ndm2007,
eOi
vO'i ciic
khodn
no- quii

han,
t6 chfic
tfn
dung
ph6n
loai lai
vdo
nh6m
no c6
rii ro
th6p
hon
khi
Ngdn
hdng
d6nh
gi6
ld
c6
cfrt
khd
ndng
thu
h6i
d5y
chi cA g6c
vd ldi;
vd
khrich
hdng

c6 tdi
li6u,
hd so
chring
minh
c6c
nguydn
nhAn
ldm
kho6n
no
ndy
quii
han
duo-c
xil ly,
kh6c phuc.
Ngan
hdng
chri
dQng
tr,r quy6t
dinh phdn
loai
ciic
khoan
no-
vdo
ciic
nh6m

no- rilti
ro
cao ho'n
tuong
rlng
v6'i
mri'c
d6 riri
ro
khi
xhy
ram6t
trong
c6c
trudng
ho.p
sau
dAy:
'
Khi
c6
nhirng
di6n
bi6n
bdt l-o'i
til
tiic
ddng
ti6u
cuc

d6n
m6i
trudrre
kinh
doanh
vir
lTnh
vuc kinh
doanht

o
C6c chi
ti6u
tdi chinh
cua
kh6ch
hdng
hodc
khd
ndng
tr6 no-
cta
kh6ch
hdng
bi su1,
giAm:
'
Kh6ch
hdng
khdng

cung
cap
cho Ngdn
hdng
ciic
th6ng
tin tdi
chfnh
kip thd.i,
dAy
du
vd
chinh
x6c
cl€.Ngan
hdng
rlinh gi6
kh6
ndng
tra no-
cira
kh6ch
hdng.
Ngf,n hing
Thucrng mai
C6
phAn
Sni Gdn - Hn
NQi
56 77

-
TlAn
Hung Dao
-
Q.Hoan
Kit5m -
TP.Hd NOi
-
Viet Nam
Du phdng
rrii ro tin dgng:
Vi6c tinh du
phong
cu th€
duoc cin
cf' tr€n
cdc ty 16
6p dung
cho
tilns nh6m no'nhu
sau:
Nh6m Logi
I
Nq cli
ti€u chuAn
2
No. cdn chri
1i
3
No.

du6'iti6u
chuAn
4
No. nghi
ngd'
5 Ne'c6
khd neng
m6t
v6n
Tf
lQ dg
phdng
cg
th6
0%
50
20%
50%
100%
8. Tdri
sin
cd itinh
Tdi san
ct5 dinh
cluo-c
the hien
theo nguy€n
giri
tru
di kh6u

hao lfry
k6.
Nguydn gi6
bao
gdm
todn
bd
c6c chi
phf
md Ngdn
hdng
phAi
bo ra cl6
c6 duo-c tdi
sdn c6
dinh
tinh <l6n
tho'i
cli€m clua
tdi
s6n d6
viro
trang thrii
sin sdng
sri'dung.
Tdi sin
cd dinh duo'c
tinh kh6u
hao
theo

phuo'ng
phdp
dud'ng
thang
cl6 tr*
dAn nguy€n giri
tai san trong
sudt thdi gian
hiru
dung
u6'c tfnh
nhu sau:
,
^'
'.;
-
Nha
cu'a, vdt
ki€n trfc
-M6y
m6c,
thi6t
bi
-
Phuo-ng
ti€n
v6n
t6i
-
DUng

cu
quiln
lf
vd
phAn
mdm
tin hoc
l0
-
25 ndm
03
-
05 nim
06
-
l0
ndm
03
-
08
ndm
Quydn
su dung
d6t
duo-c kh6u
hao
theo
phuo'ng
ph6p
dud'ng

thdng phn
ho-p
v6.i
Gi6y
ch1rng
nhdn quydn
sri dung
d6t.
quy6n
sri dung
d6t vO
tho'i
han
cluo-c
ghi
nhdn
theo giri
g6c
vd
kh6ng
tfnh
kh6u
hao.
9. Ti6n
vir cfc
khoin
tucrng
tluong
tidn
Trdn

biio c:io
luu
chuy6n
tidn
t€,
tidn
vd cric
khoin
tuong
duong
tidrn
bao g6m
ti6n,
kim loai quli
vd
d6
quy,
ti6n gui
thanh
torin
tai
Ngdn hdng
Nhd
nuoc
Vi6t Nam,
tidn
gi,i
kh6ng
k!
han

vd
co k!
han tai
ciic ngdn
hdng
kh6c
c6 thd'i
han
diio hgn
khdng quri
3 th6ng
kti trngdy
gni.
10.
Cfc cdng
cg tiri
chinh
phrii
sinh
Cric
c6ng cu
tdi chfnh ph6i
sinh
cluo-c
ghi
nhdn tr€n
bAng
cdn a5i
te toiln
theo giri

tri hop
cl6ng
vdo
ngdy giao
dich,
vd
sau d6.duo-c
tl6nh
gi6lai
theo
giritri
ho-p
l1i.
Lo-i nhudn
hoac
15 khi
c6c
c6ng
cu
tdi
chinh
phrii
sinh
duoc thuc
hi6n
cluo-c
ghi
nhdn
trong
bilo

crio k6t qu6
hoat
d6ng
kinh
doanh.
Loi
nhuAn
hodc 16
chua
thuc
hi0n
cluo-c
ghi
nhAn
vdo kho6n
muc
ch€nh
l€ch
cLinh
giri
lai
cdc
c6ng
cu tdi
chfnh
plr6i
sinh
trdn
bdng
cdn AOi tt5

toiln
vd duo'c k6t
chuytln
vdo k6t qui
hoat
d6ng
kinh
doanh
viro
thd'idi€m
cu5i
ndm.
Ngin
hirng Thuong m4i Cd
phAn
Sdri Gdn
- Hn NQi
Sd 77
-
Trin
Hung
D4o
-
Q.Hodn
Kitim
-
TP.FIa NOi
-
ViCt Nam
11. Ghi

nhfln thu nhflp/ chi
phi
lfli
NgAn hdng
ghi
nhdn thu nhdp
til ldi vd chi
phi
15i duo. c
ghi
nhdn tr€n brio c6o k6t
qua
hoat cldng
kinh doanh
tr€n co' so'dg thu,
du chi.
12 Ghi
nhfn
thu
nhflp tir
phi
vd
hoa h6ng dich
vg
NgAn
hdng
thu
phi
tir ciic dlch
vu crng cdp cho

khrich hhng. Thu nh6p
til
phf
c6 the chia thdnh
c6c
nh6m sau:
.
Ph[ tltu
t* vipc cung ciip
dlch vq trong
mQt thdi
gian
nhiit ellnh: Phi thu til vi6c
cung cdp dich
vu trong
mdt thd'i
gian
nh6t dinh <lugc
du thu trong su6t thd'i
gian
cl6.
Phi ndy
bao
gdm phf qudn
ly,
phf
nh4n
riy thiic,
hoa h6ng vd ciic
phf

li€n
quan
dtin cdp tin dung,
quAn
ly tdi sin,
phi
qu6n
ly danh
muc vd c6c
chi
phi
qu6n
l;f cfrng nhu
phf
tu
v6n
khdc.
o
Phi thu tir vipc
cung
clip dlch
vq
giao dlch: Phi
ph6t
sinh
til vi6c ddm
phdn
vd tham
gia
ddm

ph6n
c6c
giao
dich cho
mdt b€n
th[' ba, vi
du nhu ddn x6p
vi€c tnuu
"6
phAn hodc
.
ciic
lo4i
chf'ng
khoiin
kh6c ho{c
mua lai doanh
nghiQp
,
duo. c
ghi
nhAn khi hoirn t6t
giao
dich
li6n
quan.
Phi hoac
m6t
phAn
cira

kho6n
phf
ndy c6
li€n
quan
cl6n vi6c thqc hiQn
m6t
cdng
vi6c nh6t dinh
sE cluo-c
ghi
nhdn khi hodn t6t
ctiiru ki6n tuong fng.
Ngdn
hirng
Thuong mai
Cd
phAn
Sdi Gdn - Hn NQi
56 77
-
T'rAn Hung
Dao
-
Q.Hodn
Kitim
-
TP.Hd
NOi
-

Viet
Nam
13. Ti6n
m{t, virng
b4c, tl6
quy
Ti6rr mdt
bdng
VND
Tidn mdt
bing ngoai
t6
TOng
14. Ti6n
gfri
tai NgAn hdrng Nhi
nu6c
Ti€n
gf
i thanh
toiln tai NHNN
1
r ren
gul
Knac
Tdng
15. Ti6n,
ving
gfri
t4i crlc

t6
chric tin
dgng khric
Tidn,
vdng
giri
khdng k)
h4n
-
Bing
VND
^J
-
sang ngoal
re,
vang
Tidn,
virng gfri
c6 kj, hqn
-
Bing
VND
-
Bang
ngoai
t6,
vdrng
T6ng
31^2t2009
VND

3U1212008
VND
85,089,744,03
8
53,906,039,03
I
47,357,350,394
20,r21,4s1,542
138,995,793,069
67,478,901,936
3U12t2009
VND
31t12t2008
VND
920,131,576,609
2t6,116,747,098
920,131,576,609
216,116,747,0gg
31^2/2009
VND
31i1212008
VND
87,659,416,009
9,066,074,049
78,592,34t,960
6,236,015,649,736
5,635,448,t49,736
600,567,500,000
34,698,032,363
6,120,404,377

28,s77,627,986
2,911,277,000,000
1,902,800,000,000
I,008,477,000,000
6,323,67 4,065,745
2,945,975,032,363
Ngf,n
hing Thuong m4i C6
phin
Sii
Gdn
-
Hn
NQi
SO
ZZ
-
'l'rAn
Hung D4o
-
Q.Hoan
Ki6m
-
TP.Hd
NOi
-
ViQt Nam
16.
Chring
khofn

kinh doanh
Chf'ng
khoin
Nq
-
Chf'ng
kho6n
Chinh
phri
-
Chung kho6n No- do cdc to chuc tfn
dung
kh6c
trong nu6'c
ph6t
hdnh
-
Cl,ing
khodn
Ng do cdc
to chric kinh
'
trong nu6'c
ph6t
hdnh
Chri'ng
kho6n
Viin
-
ehri'ng

kho6n
V6n do cric
t6
chric tfn
dung khric trong nu6'c
ph6t
hdnh
-
Chf'ns khoiin
Vdn do c6c t6 chri'c
kinh td trong
nu6'c
ph6t
hdnh
Dq
phdng giim
gi6
chring khodn
kinh doanh
Tdng
Chf'ng
khofn Nq:
;.
-
Lra nlem
yet
-
Chua
ni6m
y6t

Chring kho6n Viin:
i.
-
tra nrem
yet
-
Chua
ni€m
yi5t
'-i
,
r ong
Thuy6t minh
vG tinh tr4ng ni6m
y6t
cfia cric chring khorin
kinh
doanh
3U12t2009
VND
3U12t2009
VND
3,031,610,000,000
r
,040,500,000,000
300,000,000,000
1,691,110,000,000
19,938,000,000
11,199,500,000
8,73 8,500,000

(10,808,496,000)
3,040,739,504,000
31t12t2008
VND
474,839,440,889
170,351,200,000
304,488,240,889
19,859,340,000
10,440,000,000
9,419,340,000
(14,1
67,588,000)
480,531,192,899
3111212008
VND
474,839,440,889
474,839,440,889
19,859,340,000
9,4r9,340,000
10,440,000,000
494,698,790,999
3,03l
,61
0,000,000
3,031,610,000,000
19,938,000,000
I 9,93 8,000,000
3,051
,548,000,000
NgAn

hing
Thuong
mai
Cd
phAn
Sli Gdn
-
Hd NQi
SO ZZ
-
Tlin
Ilung
D4o
-
Q.Hoan
Ki6m -'l'P.Ha
NOi
-
Vi6t
Nam
17.
Cho vay khrich
hing
^r
.
,:. ,
'
.^
Lno vay
cac 10 cnuc

Krnh te.
ca nhan
trong
nu6'c
, J i
Cho vay
bdng
v6n tdi
tro uy thric
diiu
tu'
Tdng
-
Phfln
tich ch6t luqng
ncr cho
vay:
No
oir ti€u chuAn
rr
\
,
,
,
NO- Can
CnU
y
No-
du6'i
ti6u

chuAn
No- nghi ngd
_ i.
i
l\o- co
Kna nang
mat von
T6ng
Phfln
tich
du nq
theo thoi gian:
No- ngSn
han
No trung
han
No
ddi han
-i
r ong
3Ut2t2009
\TND
12,813,852,7
65,516
2,802,500,000
12,929,7
49,070,949
3111212009
VND
31tr2t2008

VND
6,231,779,297,905
20,920,000,000
6,252,699,297,905
31^2t2008
VND
12,449,64',7
,068,344
56,444,149,262
28,t55,187,606
148,830,402,260
145,670,663,476
5,968,92 1
,305,903
165,824,391,313
49,695,627,710
56,612,r36,3s4
11,645,836,525
12,829,7
49,070,949
6,252,699,297,905
31t12t2009
VND
3U1212008
VND
7
,555,67
|
,612,226
3,924,482,325,152

|,348,594,133,570
3
,892 ,066
,886
,032
t,551,912,566,417
808,719,845,356
12,828,7
49,070,949
6,252,699,297,905
Ngin hing
Thucrng mai
Cd
phAn
Sdi Gdn - Hi NQi
SO 77
-
'l'rAn
Hung
D4o
-
Q.Hodn
Ki6m -
TP.Ha NOi
-
ViQt Nam
Dq
phdng
riii
ro tin dgng

Ki nny.
56 du tliu kj
Du
phdng
rti ro trich l6p trong
kj,/
(Hodn
nh6p du
phdng
trong k!)
DU
phdng gi6m
do xri'lyi
c6c khodn no- kh6
thu h6i bing ngu6n
du
phdng
Di€u
chinh tdng/
(gi6m)
khrlc
Sii au cuiii
tij'
Kj,trufc
Sd du ttAu
kj'
Du
phdng
riri
ro trfch l6p trong kj,/

(Hodn
nhAp du
phdng
trong kj,)
Du
phdng
gi6m
do xri'l;i
c6c
khoin no- kh6
thu hdi bing ngu6n
dU
phdng
Sii Ou cutii t
y
i3.
'hring
khoin
ddu tu
19.l
Chring khodn
dAu tu
sin sdng ati fen
Chf'ng kho6n
No- do
c6c t6 chfc tin
dung
khilc trong
nu6'c
ph6t

hdnh
Chu'ng khoiin
No- do
cdc to ch['c kinh
16
trong
nu6'c
ph6t
hdnh
Du
phdng
giim
gi6
chring
kho6n
sin sdng
de Uan
Tdng
19
.2 Chring kho6n tliu
tu
giir
tt6n ngiy tlio h4n
Cht'ng kho6n
Chinh
phi^
,
Chring khorin
No do cric
t6 chftc tin

dung
khiic trong
nu6'c phiit
hdnh
-i
I
Ong,
Dg'phdng
chung
Don vi
t{nh:
VlttD
Dq'phdng
cu th6
13,692,316,651
38,917,563,715
11,848,623,143
62,565,128,400
52,669,990,366
74,413,751,543
5,336,385,224
8,355,931.427
2,746,771,959
9,101,851,185
13,692,316,651
11,848,623,113
3111212009
VND
31t12t2008
VND

302,095,099,360
|,502,201,582.963
955,000,000,000
1,904,296,692.323
955,000,000,000
3v1212009
VND
31112/2008
'VND
500,000,000,000
500,000,000
I,000,000,000,000
1,000,500,000,000
500,000,000,000
l0
Ngin
hing Thucrng
mai
C6
phAn
Sni Gdn - Hd
N6i
SO 77
-
'l'rAn
Hung
Eao
-
Q.Hoan
Kit5rn -

TP.l{d NOi - Vi€t
Nam
19.
G6p viin,
tliu tu
ddri h4n
Phin tich gi6
tri tliu
tu theo loai hinh
tliu tu:
Ddu
tu vdo
c6ng ty con
Ciic kho6n
dAu
tu vdo
c6ng ty li6n
doanh
"
.;.
Cac khoan
dau tu vdo
c6ng
ty lien k€t
Cdc khoan
ddu tu
ddi han khric
Du
phong gidm
gi5

d6u
tu ddi han
31t12t2009
VND
31112t2008
VND
20,000,000,000
269,799,000,000
748,159,000,000
T6ng
289,799,000,000
748,159,000,000
Danh
mgc cfc khofln
dAu tu,
g6p
v5n
nhu sau:
TGn
c:{c tlo'n
vi
K! niy
Ki'truri'c
Gi6
giic
Tf
phnn
ndm
giir
Giri

giic
ri
pnan
a ,-
nam sru'
COng
ty CP DAu
tu vd PT
Cao Su Neh€
An
600.000,000
0.4%
600.000,000
0.80%
C6ne
ty CP
quan
li
qui
ddu tu
Siri Con
-
Ha
Ndi
5.200.000"000
10.4%
5.200.000,000
10.40%
C6ng ty CP
CK

Sdi Gdn
-
Hd NOi
41.090.000.000
10.01o/o
35.000.000.000
10.00%
Cong
ty CP Cao
Su Phudc
Hoa
27,859.000.000
0.62%
27.859.000.000
0.82%
c6ng ty cP Phdt
Tri6n
An Vi€t
1.000.000.000
2%
r.000.000.000
2.000/o
C6ng ty
c6
phAn
bao hi€m
SHB Vinacomin
30,000,000,000
l0o/o
30,000,000,000

r0.00%
Cdng ty
TNHII
Son LAm
r
35.000.000.000
10.69%
l
1.000.000.000
11.000
Cdng ty
cd
phdn
clAu tu
xdy duns
LILAMA
-
SIIB
l 1.000.000.000
110
1.500.000.000
2.14%
C6ng
ty CP th6
thao SHB Ed
Nins
'
550.000.000
t1%
r 3 5.000,000,000

r0.70%
Cri
'
:y
qf
phin quan
Ij
Qu!
dAu tu'l'hdnh
Vier
501
.000,000,000
0.10%
l
cty cP Ddu
tu Tdi chfnh Nam vi€t
1.500.000.000
l.25Yo
C6ng ty
CP
'fhuy
sdrn Gentraco
8,000.000.000
t0%
C6ns tv
CP BDS An
Thinh
8.000.000.000
r0%
C6ng ty TNHH

MTV quan
ly
no
vd
khai
thric TS-
SHB
20,0000,000.000
t00%
Tdng
289.799.000.000
748,159,000.000
lt
?.,
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v6 hinh
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gi6m
tiri sin c6
alnn v6 hinh k! nhy:
euyi,n
sii'dqng tl6t
phin
m6m vi tinh
Titi sin
cd ilinh
v6 hinh khSc
Donvi lir&: VND
C0ng
Khoiin muc
Nguy0n
girl
^i
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bo ou oau Ky
36 tang trong klir
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Mua trong
kjt
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^^
bo
gram
trong Ky

s6
au cu6i ty
Gi:i
tri hao mdn lui k6
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56 tang
trong kj,
': ,
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-
Tdng khdc
Sd
giam
trong kj,
^:
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so ou
cuol
Ky
Giri tricdn l4i
'
4l
r al ngay oau Ky
Tai ngdy
cu6i t<y
705,385,289,421
705,385,28g,421
3,136,352,250 20,000,000,000
729,521,641,611

1,420,705,944
- 1,420,705,944
1,309,831,941
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1,309,831,944
1 10,871,000
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110,87,1,000
4,557,058,194 20,000,000,000 729,942,347,615
164,280,000
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337,977,806
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2,603,233,059
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7U5,U47,J1l,O | 5 J,UJ5,UUl,9Il
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Gi6 tri cdn
l4i
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Ky
Tai ngdy
cu6l ty
291,842,765,400
413,542,524,021
413,542,524,021
705,385,289,421
2,.105,683,000

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730,669,250
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3,136,352,250 20,000,000,000
294,248,449,400
434,273,193,271
434,273,193,271
728,521,641,671
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157,780,000
157,780,000
164,280,00;
343,462,376
189,656,815
189,656,815
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1,000,000,000 1,347,436,915
1,000,000,000 t,347,436,815
533.1
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291,836,265,400 2,062,220,624
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22.
Tdi
sin
C6 khric
Chi phf
xdy
dung
co'bAn
dd dang
Cac
khodn ph6i
thu
(*)
Du
phdng
rrii
ro
cho
cric
tdi
san
C6 khric
Tdi
sdn
C6
khric

T6ng
3U12t2009
VND
Don
vi tfnh:
YND
31t12t2008
VND
69,007,311,153
336,270,929,7s6
209,624,061,411
7,998,889,1
l5
142,638,626,0s2
641,193,181.488
791,930,696,655
(*):
Kh6ng
bao
g6m
tii sin
thu6
thu nhdp
ho6n
lai
vd ciic
khoin
ph6i
thu
til c6c giao

dich
ndi
b6.
23.
Tidn,
vdng gfri
cdc
t6 chfc
tin
dgng
kh6c
3Ur2t2009
VND
Ti6n,
virng gfri
khdng
k) h4n
-
r.urg
VND
^l

tsang
vdng
vdr
ngoai
t€
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ving gfri
c6

kj'
h4n
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VND
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vang
vir
ngoai
te
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2a.
Ti6n gfri
cfra khfch
hing
Thuyi5t
minh
theo
to4i
tidn gfri:
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ving gfri
khdng
kj'
h4n
m.).
T;an
gui

khong
k! han
bAng
VND
-
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giri
kh6ng
kj,
han
bing
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ngoai
t€
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dirng
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ky qui
long/
3I/12/2009
VND
3U12t2008
VND
9,508,142,250,599
614,902,302,320
3U12t2008
VND
34,132,073,213
34,099,875,588
32,197,625
10,093,536,034,377

9,145,446,534,3',77
948,089,500,000
1,473,134,269
1,316,245,916
96,888,352
2,233,611,040,000
2,127,844,000,000
105,761.040.000
10,127,669,107,590
2,235,094,174,269
4,085,067,175,390
3,884,897,83
5,007
200,169,340,383
10,229,549,999,505
9,009,524,522,912
1,219,025,37
5,593
4,396,959,976
183,154,559,361
2,990,147,994,099
2,8'7
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1:72,162,4A1.833
6,506,161,437,627
5,443,334,765,069
|,062,826,672,558
11,832,818,87,1
14,501,169,491,132
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25. Viin
tii trq, iiy th6c tlAu tu,
cho vay td chric tin
dgng chiu rii ro
3111212009
VND
31t1212008
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V6n nhdn tditro,
riy thric cldu tu,
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ngoai
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3
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870,013,864
24,649,670,000
823,262,213
31,884,183,964

25,472,932,213
31112t2009
VND
3U12t2008
VND
C6c kho6n
phii
Cric khoAn
phAi
Dr
phdng
riri ro
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Du
phdng
d6i
Tdng
tri
n6i
b6
tr6 bdn ngodi
kh6c:
vdi c6c
cam k6t dua ra
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151,744,258,859
3,558,932,393
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185,401
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432,509,3s3
432,509,353
194,856,260,915
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vir cdc khoin thu nhip tuong tr;
Thu nhflp lfli
ti6n
gfri
,
.;.
Thu nhAp lai
tien
gui
vA cho vay khrich
hirng
Thu
l6i tu'kinh doanh.

ddu tu chirns
kho6n No-
Thu nh6p lSi
cho thu6 tdi chinh
Th,r
kh{c tri ho4t
il6ng tin dgng
-l
r
ong
30. Chi
phi
lAi vd cfc
khoin
chi
phi
tuong
tq
"
,
.).
lra lal
tren
gur
Tri lSiti6n vay
Chi
phf
hoat
d6ng tin dung kh6c
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r ong
3l.LAilt6
tnuan tir
ho4t itQng dich vu
Thu phi
dich
vg
-
Hoat cl6ng
thanh todn
-
Ho4t
ddng b6o lSnh
-
Hoat
cl6ng ngdn
qu!
-
Dich vu clai llf
-
Thu
phi
dich vu khac
Cl'
phi
dich
vg
li6n
quan
-

Hoat dOng
thanh to6n
-
Hoat
d6ng ngdn
qu!
-
Chi
phi
dich vu khiic
Lnil16
thuin
til
ho4t
tlQng dich
vu
K! ndy
VND
Kjr trudc
VND
1,437,834,12I,291
|
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288,936,5t5,139
288,936,5 r
5,739
195,977,517,106
|
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9l
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r,r75,747,782,362
tt2,460,008,976
5,162,390,736
1,633,811,638,387
1,293,370,192,071
Kj'ndy
VND
Kj' tru6'c
VND
|
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|,258
2,418,289,221
205,t75,281
1
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4,196,t95,817
211
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1,018,748,099,642
1,132,570,447.346
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VND
Kj'trudc
VND
39,243,697,514
18,070,790,994

13,617
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1
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75s,9s6,251
175,373,842
6,624,504,904
17,948,77 4,427
4,180,070,943
1,715,760,873
12,052,942,611
14,397,990,394
3,421,829,37
5
1,158,0',79,632
394,291,651
106.044,326
8,7 t7
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45,4t0
6,986,096,769
2,890,6s2,564
547,320,941
3,548,123,264
7,411,993,625
21,294,923,097
l8
32.Lai
t6 tnuen
tir ho4t

ilQng
kinh
doanh ngoai
h6i
'Thu
nhflp
tt hogt
d6ng kinh
doanh
ngoai hiii
-
Thu
tir kinh
doanh
ngoai
td
giao
ngay
Thu
til
ciic
cdng
cu tdi
chfnh
ph6i
sinh tidn
td
Chi
phi
ho4t

d6ng
kinh
doanh
ngoai
h6i
-
Chi
v6
kinh
doanh
ngoai
t€ giao
ngay
:,
-
Chr ve
cdc
cong
cu
tdi chinh ph6i
sinh ti6n
t6
Lail16
thuAn
tt ho4t
it6ng
kinh
doanh
ngoai
hi5i

Thu
nhdp
tu
mua
biln chring
kho6n
kinh
doanh
{)hi
phf
vd
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bdn
chri'ng
kho6n
kinh
doanh
Chi
phf
du
phdng
gi6m
giri
chf'ng
khoiin
kinh
doanh
L5;il 16
thuAn
tir ho4t

tlQng
mua
b6n
chring
khorin
kinh
doanh
34. Thu
nhfp
tir
g6p
viin,
mua
c6
phAn
C6 tri'c
nhdn
duo-c
trong.kj'tir
g6p
v6n,
mua
c6
phdn:
-
Ti
ch{rng
khoan
V6n
kinh

doanh
Tdng
35.Lailt6
ttruin
tt
ho4t
ttQng
kinh
doanh
kh6c
tr
Thu nhdp
tir ho4t
tl6ng
khfc
-
Thu
tu'hoat
ddng
kinh
doanh
khric
Chi
phi
li6n
quan
it6n hogt
tlQng
khric
-

Chi
phi
li6n
quan
d6n hoat
ddng
kinh
doanh
kh6c
r
,ail
16
thuAn
tir
c6c ho4t
tlQng
kinh
doanh
kh6c
Kj'ndy
VND
Kj,trudc
VND
32,378,014,361
31,370,533,356
1,007,491,005
6,,355,121,772
5,067,143,607
7,297
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52,497,023,944
26,022,992,599
168,269,542,037
150,981,401,504
t7,288,140,533
I15,792,519,193
91,056,201,111
24,726,317,016
33.Lailt6
ttruAn
tir ho4t
tlQng
mua
bin
chring
kho6n
kinh
Doanh
Kj,ndy
VND
Kj,truoc
VND
77,581,892,600
2,292,656,917
(
r 4,167,s88,000)
75,299,235,693
(
I 4,
I 67,589,000)

Kj,ndy
VND
Kj,tru'6c
VND
46,936406,000
46,936,406,000
2.964,659.000
2,964,659,000
46,936,406,000
2,964,659,000
K!
ndy
VND
Kj,tru'6c
VND
42,149,652,435
12,I49,652,435
2,434,342,407
2,431,342,407
297,054,995,200
297,054,98s,200
2,299,657,191
2,299,657,181
294,755,329,019
39,715,310,029
t9
36.
Chi
phi
hoat

eldng
Chi n6p
thud vi c6c
khodn phi,
16 phi
Chi
phf
cho
nhdn
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