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lii
ho4t tlQng
kilh dolnh try6'c
I hud TNDN
cld nQp
t
hi111cac
qu!

cua
-l'CTD
I.uu chuy6n
tiin thuin
tir
hoat dQng
kinh doanh
Lr'r.
cHl
YEN TrEN
rt- HO+T
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Dil 1'(
Mua sdm, tdi san
c6 dinh
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thu tu
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ly, hliuqng ban
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ly. nhuo-ng bin
Mua sim bAt dqng
sdn ddu tu
idn thu tu bdn
thanh tV U4t
4qng
sdn d6u tu
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I 6,909,596"880

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Luu chuv6n tiAn thuAn tt hoat
Luu chuv6n
ti6n thuin trons ki,
n vi
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1,991.880.723.26

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2.771.516,954,181
Ngin hdng Thuong
m4i Cd
phAn
Sni Gdn
-
Hir Ndi
S6ll
-
'IrAn
Hung Eao
-
Q.Hodn
Kit5m
-
TP.Hd NOi
-
ViCr Nam
BAN THUYET
MINH BAO CAO TAI
CHiNH RIENG
LE
Qujt
IV ndm 2009
l. Thdng
tin vG ngAn hing
Gidy
ph6p
hoat

cl6ng
0041-NH/GP ngdy 13 thring 11
ndm 1993
Gidy
phdp
hoat cl6ng do Ngdn hdng Nhd
nu6'c Vi6t Nam
cdp
Thd'i
han
ho4t cl6ng cia
Ngdn hdng
lA 40 nim kti tir ngdy
c6Lp
gi6y phdp
dAu ti6n.
HQi
tt6ng
Quin
tri
Ong
D6
Quang
Hii5n, Chri tich
Ong
Nguy6n Vdn
L6, Thdnh
vi6n
Ong Nguy6n Vin
Hdi, Thdnh vi€n

6ng
TrAn Ngoc Linh, Thdnh vi6n
6ng
Phan
Huy Chi,
Thdnh
vi6n
Ong TrAn Thoai, Thdnh vi6n
Ban Tdng Gifm
diSc
6ng Nguy6n Vin L6, Tdng
Gi6m tl6c
(T6i
bO
nhi6m
lai ngdy
08 thrlng 05
nim2007)
Ong Dang Trung Dfing, Ph6 Tdng
Gi6m tt6c
(b6
nhiQm ngdy
01 th6ng
09
ndm 2006)
6ng
Bni
Tfn Nghi, Ph6 T6ng
Gi6m d6c
(b6

nhiQm
ngdy 05
thiing 06 ndm
2007)
Ong LC Ddng Khoa, Ph6 T6ng
Gi6m doc(b6 nhi6m
ngdy l0
thring 04 ndm
2009)
Trg
s6'chinh SO ll
-
Trin Hung
Dao
-
Q.Hodrn
Ki6m
-
TP.Hd N6i -
Vi€t
Nam
2. DIc
tli6m ho4t ilQng
cia td chric tin dgng
Ngdn hdng Thuong mai
C6
phAn
Sdi GUn
-
He Ngi

(du6'i
ddy
goi
t6t ld "Ngdn
hdng") td
mdt
ngdn
hdng
thuo'ng
mai
co
phAn
ViQt Nam thdnh lgp tai nu6'c C6ng hda
X5 hQi Chri nghTa
Vi6t Nam
v6i thd'i
gian
hoat ctQng
ld 40 nim
theo 0041-NH/GP
ngdy 13
thring 1l ndm 1993
cua Ngdn lidng
Nhd nu6'c Vi€t Nam. V6n diAu 16 crla Ng6n hdng tai ngdy
3010912009lA
2.000.000.000.0000
VND
(Hai
nghin
tj'ddng ViCt Nain).

Hdi so' chinh
cfia NgAn hdng cluo-c
ddt tai Sd 77
-
Trin Hung
Dao
-
Q.Hoirn
Kitim
-
TP.Hd
N6i
-
Vi€t
Nam.
,,
Tai ngdy
3111212009, NgAn hdng c6 1341 nhAn
vi6n
(cu6i
quy
III ndm 2009:
1191
nhAn vi6n).
Ngin
hdrng Thucrng m4i Cd
phAn
Sdi Gdn
- Hi NQi
S6ll

-
'l'rAn
Hung D4o
-
Q.Hodn
Kir5rn
- TP.Hd NOi
- Viet Nam
3.
T6m tit cic chinh
sfch
kti toin chri
y6u
ChuAn
mqc vir ctr6 Oq
k6 toin rip
dgng
N3An
hdng
trinh
bdy circ
bilo c6o tdi
chfnh bdng
ddng ViQt
Nam
(VND)
theo
Lu6t cdc To chuc
Tfn dqng,
Ludt sri'a dOi va

b6 sung
mdt s6 didu
trong Ludt c6c
T6
chf'c
Tfn dung, c6c chuAn
mu'c k6
toiin Vi€t
Nam vd HQ th6ng
K6 to6n c6c
t6 chuc
tin dung ViQt
Nam.
K] brio c6o vh tlcrn
vi ti6n tQ
Kj,b6o c6o cria
NgAn
hdng U6t eau
tir ngdy 0111012009
vd
k6t thric vdo ngdy 3111212009.Do-n
vi tid:n tQ
sri dung trong
ghi
chdp
ki5 todn
ld d6ng ViQt
Nam
(VND).
4. Nguy0n

tic
ghi
nhin
cdc
nghiQp vg
bing
ngo4i tQ vdr
quy
tl6i
Theo
hd thdng
k6 to6n
cira
Ngdn
hdng,
t6t cit citc
nghi€p
vu
ph6t
sinh ctra
NgAn hdng
duo-c
hach
to6n
theo
lguydn t€.
Tai thd'i
dii5m
cu6i
nAm,

tdi s6n
vd cdng
no. co
ngudn
goc
ngoai tQ
duo-c
quy
ctoi
sang
VND
theo
ty
gi6 quy
dinh
vdo
ngdy
lAp bdng
can
AOi
t6 to6n. C6c
khoAn
thu nhdp vd
chi
phi
bing
ngo4i
tQ cira
Ngdn
hdng

tluoc
h4ch
todn bing
VND theo
ti
gi6
vdo
ngiry
ph6t
sinh
thdng
qua
giao
dich
mua b6n
ngoai
t6. Ch€nh
lQch rf
gi6
do
drinh
giri lai c6c
tdi khoin
kinh doanh
ngoai tQ
duo-c
hach toiln vio
bao c6o
K6t
quA

Hoat
d6ng
Kinh doanh
vd lo-i
nhudn Oti tai. Chdnh
lech ti
gi6
phrit
sinh
do
quy
dOi
cac tdi
sin vd c6ng
no- khiic bing
ngoai
t6 sang VND duo.
c xil ly
vdo doanh so
cria c6c
khoin muc tuo'ng
fng
tr6n bAng cdn
AOi
t6 to6n vdo
ngdy lQp biio c6o tdi chinh.
5.
Chring
khodn tliu tu
gifr

tt6n
ngiry dio
h4n
Chirng
kho6n no.
giff'dr5n ngdy d6o
han ld c6c
chr?ng kho5n
co k!
han
c6
dinh
vd
c6c
kho6n thanh
to6n
c6 dinh
hodc c6 th6
xric djnh duo.
c vd
Ban Tdng Girim
cl6c c6
yi
dinh vd c6
khA ndng
gifi'
d6n
ngdy d6o
han. NgAn
hdng dang

ghi
nhdn c6c
chrfmg
kho6n ndy theo
giri g5c
cong ldi du thu tril
ldi
chd'
phAn
b6. ci6 tri
phu
tr6i hogc chit5t
khAu
(n6u
c6) cfing duo'c
phAn
6nh
vdo giri
tri
ghi
s6 crla
kho6n dAu tu. Ldi cluo-c
du thu
hoflc
phdn
bo
theo
phuong phrip
ctuo'ng
thlng. Chring kho6n duo-c

gifi'
dt5n khi cl6o
han sE duo-c
xem xdt vA
khA ning
gi6m gi6.
Chr?ng kho6n duo-c
l6p
du'p\dng
gidm
gi6
khi
gi6
tri thi trud'ng
nho ho'n
gi6
tri
ghi
so. Du
phong giAm gi6
dugc
ghi
nhdn
vao
b6o cao k6t
qui
ho4t dQng
kinh
doanh.
6. Chring

khofn ttiu
tu sin
sirng
AO nrin
Chfng
kho6n dAu
tu sEn
sdng
C6 Uan
lh c6c chring
kho6n
cluo-c
gifi'trong
thd'i
gian
khong 5rn
dinh
tru6'c,
c6 th6 duo. c
b6n Ae
,.aap
f'ng
nhu ciu
thanh kho6n
hopc dC ring
ph6
v6'i
trud'ng ho.
p
thay d6i

lai su6t,
ti
gi6,
hopc
gi5
tri chung
khorin.
Ngdn
hdng dang
ghi nhAn
c6c
chri'ng kho6n ndy theo
gi6
g6c
cdng
lai du thu tri'
l6i cho'phAn b6.
Gi6 tri
phu
tr6i hodc chi6t kh6u
(n6u
c6) cfrng clugc
ph6n
5nh vdo
gi6
tri
ghi s6 cira khoin
dAu tu.
Ldi duo-c dg thu
hodc

ph6n
b6 theo
phuong phrip
dud'ng
thing.
C6c chring
kho6n
ndy duo. c
d6nh
gi6
dinh kj, theo
gi6
tri thi trud'ng vi dU
phdng gi6m gi6
tri
Ngin
hing Thu'o'ng
mai Cd
phf,n
Sni
Gdn
- llr) \oi
56 77-
Inin llun,lr Dao-
Q.Hoan
l(iern
- |I'].lIi\(]i
- \
ijl
\

s€ dwrc
lAp khi
giri
tri
thi trud'ng
nlro htrn
gia
tri uhi
:,,
l)i:
f.ilp11q
eianr
qii"i
dLrtrc
ghi rrhin I'iio birr
cao
k6t
qua hoat cl6ng
kinli doanh.
1. Chri'ng
khofn
kinh
doanh
Chfing
hhodn
l<inh doanh
lir chfing
khoirn barr.Jiu
clLtt,c
t.nLta r. lt

tratn
giiL
chtt
tttttc tliclt
kirrh doarlh
trong
ngirp har-r
ho{c
n6u llan'fdng
Girim
cl6c
quydt
clinlr
rrhtr vAy. NgAn
hiing clang
ghi nhAn cdc
chf'ng
khodp
ndy theo
-rriri
g6c
vdo ngAy
giao dich.
'l'rong
circ kj
ti€p theo, cac
chrrrrg
kltoirr
tieip ttte
dr-Lo-c

ghi
rrhAn
theo
gi6 gdc.
'l'uv
nhi0n.
giri
tri thi
truo'ng
cua
c6c ch[Lng
khoan
vin drtoc
Ngirr
hdng
theo
d6i O6
Aann
gi6 vd khzi
nang
giArn
gi6 khi
gi6
tri thi trrLong
thAp
hon
gid
goc.
Ngoai
trit trtLong

ho-p
kh6ng th6
xirc
dinh
gid tri rhi
tnlong
mQt
ciicli
chirc
chiin
thi
giii
tri c[ra
chring
<Juoc
tinh cltta
tren
nguyen
gid sau
khi 1ru'
di
t6n
th6t
LIoc
tfnh
(n5Lr
c6).
L.di
hoac
16 tir

kinh
doanh
chilng
kholtn
duo-c
ghi
nhdn tr€n
b6o
c6o
k6t
qud hoat
d6ng
kinh
cloanh
theo
so
thtran.
8.
C6c
kho:in
cho
vay
C6c
khoa'
cho
vay
ngfn
han
co
k! hqn

clu'6i
I
ndrr;c6c
khodn
cho
va-v
vii cho
thue tdi
cltinh
trttng
han c6
k,.i,.han
ti'l
n6rn
d6n
5 ndm
vd c6c
khoan
cho
vay
vir cho
thue
tdi chinh
dirri
hatr cir ki
han
trdn
5
ndm
kd tir

ngdy
giai ngdn.
Vi6c
phAn loai
no-
vd
lAp
dLl
phdng rui
ro
tin
dung
duo-c
thtrc
hi€n
thco
Qtrr.'t
ditrlt
'tl
1g3l2005leD-NHNN
ngiry
22
thring
4
ndm
2005
vd
Quy6t
dinh
sfi

l8/2007/QD-NI{NN
ngar
15
thring
4
parn
2007
cua
Th6ng
d6c
Ngdn
hdng
Nhd
nu6'c
Vi6t
Narn. C:ic
khoAn
cho va1'
dLtoc
phirr
tlidnh
ndm
nh6m
no- cdn
c[L
v]ro
tinh
hinh
tra
no va

cac
1'du
t6 dinh
tinh
nhtL
sau:
Nhdm
l;
.\tr tltr Iit;rt
clttrtitt
o
Cdc
khoan
so-
trong
han
md NgAn
hdrrg d6nh
giri
ld c6 clir
khi
ndng thtr
hoi dir
tltt e
.r
gdc
vit ldi
dting
tho'i
han:

o
C6c
khoin
no-
qu6 han
dr-16'i
10 ngdy vd
Ngdn hdng
drinli
giri
ld c6 khdr ning
thLr h,ii
da,v dir
gdc vd lai
b1
qu6 han vd
thu
h6i dAy
dn
g6c
vir
ldi dfng
thoi han
con lail
Nhdm
2. Nq'can
chu
Y \
,
o

Ciic
kho6n
no'qu6
han tir'
10
ngiry
ct6n
90 ngdy:
.
C6c
khodn
no di6u
chinh
kj'han
tra
no-
ldn dAu:
o
Cftc
khodn
no co'c6u
lai
thd'i
han trd
no trong
han
theo thd'i
han duo-c
co cdu
lai.

NhtjmJ.
.Vq
tltro'i
tiitt c'httun
.
C6c
khodn
no-
qu6
han
tu' 9l
d6n
180
ngdl
;
,
.
Cac
khoAn
no- co'c6u
lai thoi
han
tra
no lAn
ddu,
tril cdc
khodn nr: did:u chinh
kj'han trA
no-
lin ddu

PhAn
loai viro
nhorn
2:
Ngfrn
hhng
Thucrng
m4i
Cd
phAn
Sni Gdn
- Hh
N6i
S5
77
-
TIAn
tlung
D4o
-
Q.Hoan
Ki6m
- TP.He
Nqi
-
ViQt
Nam
.
Circ
khodn

no.
duo.
c
miSn
hodc
gi6m ldi
do
kh6ch
hdng
kh6ng
dn
kha
ndng
tra
lai ddy
du
theo
ho.P
clong
tin
dqngl
Nhdm
4: I'lq
nghi
ngd
o
Chckhoin
no.
qu6 han
tu

181
d6n
360
ngdy;
in dAu
qu6
han
du6'i
90
ngdy
theo
tho'i
han
;,
"":.T":::Til.
:i:'
"''
han'1ra
no-
rd
C6c
khoAn
no co
c6u
lai thoi
han
trA
no- lin
thf'
hai;

Nhdm
5:
Nq co
kha
ndng
mdt
von
C6c
khoAn
no-
qu6 han
trdn
360
ngdY;
;.^;;T*TJffi;illj;",
han
tr6
no
ran dau
qu6
han
tii
e0
ngdv
tro
r.n
theo
thdi
.
C6ckho6n

no.,co,c6u
lai
thd'i
han
trd
ng
l6n
thir
hai
qu6 h4n
theo
thd'i
han
trA
no- duo-c
'
co'c6u
lai
lAn
thri'hai;
"
,: I
o
Citc
kho6n
no-
co'
c5u
lai
thd'i

han
trh
no
lAn
thti'
ba
tro'
l0n,
k6
c?r
chua
bi
quil han
ho[c
cl6
qu6 han;
.
C6c
khoin
no.
khoanh,
no- chd'xrJt
ly;
Theo
euy6t
dinh
sO
qgZtZOO5/QE-NffNN
ngdy
22

thhng
4
ndm
2005
vd
Quv6t
ctinh
s6
lglzX|7lQD-NHNN
ngiry
25
th6ng
4 ndm
2007,
aoi
vo'i
c6c
khoin
ng
qu6 han,
t6 chuc
tin
dung
phdn loai
lai vdo
nh6m
no- c6
nii
ro th6p
hon

khi
Ngdn
hdng
dhnh
gi6ld c6
dir
khi
ning
thu
hoi dAy
dir c6
g6c vd
ldi;
vd
kh6ch-hdng
c6
tdi
li€u,
h6
so-
chilng
minh
c6c
nguy€n
nhdn
ldm
khoan
no
niry
qud

han
duo-c
x[r.
ly,
khic
phuc.
Ngan
hirng
chri
dQng
tg
quytit einn
phdn
loai cric
khoin
no-
vdo c6c
nh6m
no-
riri
ro cao
ho.n
tuo-ng
ri'ng
v6'i
mfc
d0
riri
ro
khi xhy

ra mQt
trong
c6c
trud'ng
ho-p
sau dAy:
.
Khi
c6
nhfi.ng
di6n
bit5n
U6t
to.'i
til
t6c d6ng
ti6u
cuc
d6n
moi
truong
kinh
doanh
vd
llnh
vuc
kinh
doanh,
r'
.

Circ
chi
ti€u
tdi
chinh
cira
kh6ch
hdng
hopc
kh6
ndng
tri
no.
cria
kh6ch
hdng
bi suy
giam;
o
Kh6ch
hdng
kh6ng
cung
cAp
cho
Ngdn
hdng
c5c
th6ng
tin

tiri chinh
kip
tho'i.
diy
dn
vd chinh
x5c
d6'fre6n
hdng
cl6nh
gi6 khA
ndng
tr6
ng
cria
kh6ch
hirng'
NgAn
hing
Thucrng
m4i
Cd
phAn
Sni
Gdn
- Hd NQi
S6
ZZ
-
'l'rdn

Hung Dao
-
Q.Hodn
Ki6m
- TP.He
NOi
- ViQt
Nam
Dq
phdng
rfri ro
tin dgng:
Vi€c
tinh
du
phong cq
thd duoc
cin
cri tr6n
c6c
ty lQ
6p dgng
cho
tlng
nh6m
ng
nhu sau:
Nh6m
Lo4i
I

No.
dir
ti€u
chudn
2
No. cAn
chir
y
3
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VND
3010912009
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85,089,744,038
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61,514,865,179
138,995,783,069
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3010912009
VND
920,131,576,609
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87,658,416,009
9,066,0',7
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6,323,674,065,745
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Ngin hdrng Thuong mai
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3|1212009
VND
30t09t2009
VND
3,031,610,000,000

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12,813,852,165,516
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12,449,641
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VND
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7
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VND
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302,095,099,360
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20,000,000,000
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Chi
cho
hoat
ddng
qu6n
llf c6ng
vu
Trong
do:
-
C6ng
tac
ph[
- Chi
vi cac
hoat
dong
doan
thd
cia
ngan
hdng
Chi
ndp
phi bdo
hi6m,
bAo
dim

tiOn
gf i cria
kh6ch
hdng
Tdng
31,227,220,000
31,227,220,000
9,049,336,000
9,049,336,000
31,227,220,000
9,049,336,000
Kj ndy
VND
Kj'truoc
VND
Kj'ndy
VND
Kj'trudc
VND
969,584,897
969,584,897
2,318,096,812
2,318,096,812
(1,348,511,915)
1720,621,4201
(720,621,420)
47,118,304
-
47.118,304
(767,139,724)

Kj'ndy
VND
Kj'trudc
VND
8,982,464,832
51,690,826,',ll0
15,764,718,988
2,593,639,341
754,081,209
21,424,582,988
5,327,014,7
39
'78,242,702,970
1,749,220,986
14,7
I 5,267
2,06r,639,945
2,587,625,080
35,402,547,851
3'1,463,569,644
2,109,263,255
35,653,283
14,574,694,232
4,740,728,160
14,266,156,686
1,341,256,850
'165,300,000
1,832,403,416
162,402,217,445
68,663,427,265

20