Nâng cao chất lượng thẩm định dự án đầu tư trong hoạt động cho vay tại Hội sở chính Ngân hàng TMCP Sài Gòn - Hà Nội

MỤC LỤC

DANH MỤC CHỮ VIẾT TẮT
Stt Chữ viết tắt Diễn giải
1 NHNN Ngân hàng Nhà nước
2 NHTM Ngân hàng thương mại
3 VND Việt Nam đồng
4 HO Hội sở
5 ĐHĐCĐ Đại hội đồng cổ đông
6 HĐQT Hội đồng quản trị
7 TMCP Thương mại cổ phần
8 TNDN Thuế thu nhập doanh nghiệp
9 SHB Ngân hàng TMCP Sài Gòn - Hà Nội
DANH MỤC SƠ ĐỒ, BẢNG BIỂU
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,1229/1223/122@+ . M.,12AMAA@NO9>/O<>/O>@OO>
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0C*'()*+Q;*YL , **
111PG,L@*Q CC*(*+QWZ
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W*.G,L@*Q CC*'()*
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_P`%N,E/ * +;X *.Q& **
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_P` ,N * /FZJ/  &*"#ER***
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O<41
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P*6.741
3<19941

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42=O1341
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g+.#a41
PU741
59==41
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P.KCJ04=
4O2<434=
=5<=14=
<=511<4=
=4O<24=
P.Af**..#4=
115444=
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191O4=
1214=
P.L04=
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9=24=
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A.BA*6.@IR F`,e%A& @.%F
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o.BA*6.& 43
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A*6.&LF;:&/K/*D.?/JYL&.7.%F/I"I@
.$A**6.%FD,eXw& [ *R*F F.7.%F
*6/8/ 8/*BA*6.#R,XRF .*b+.%*DXL@Y
LAZ.@*=2
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A/+q0A*6".#,8*/!ALF;/IR
.jAKLF;+C*@ LF;I /b .#0/Y
`@C*8*  ^*{*FR*"*HAA@/*.I*
*6,/!.B,b!MFR*"IDCFArF; @C
ZA:@@*8?/.jZAK ;LI S@/.B
.B*/.B@ RAr.B*6FP!!.$FX! Z&b
ZC*LF;/.$FX! Z&@/.$F
,+,MZ#J *FQ@ FSF=2
P%R FZJBw,E L "&.7
.%FM.@Ib/o.$A*/I"I*I•,8**6"#&
.7.%FM.@@ cA@*jFE L* @;L+RFG,/
Y*FQ+RE.%aDF& =2
P`XRN * *6. R,e@*Q& @IRR&

 =2
ZA@b*6 c%&G,L@*Q /%Ro
FZJ * *6Bw,,0Q‚FMJ / *
*6. R,e@*Q@IRR& P.*B/*6E L*6.
R"QE IbS.%*.@*6 * @ *RL
XM.=2
[ D.M.@*6 * *6. R@*Q@IRR
& 0#+.N=2
 Lb+.%& =2
_[b+.%*DIDNh@b+.%,@ "#*6*.I*6
X!d/*DID.G/, ,"*DXLCj *!b
6/IbXL* C!oArIbJ8{"
E.%xv D.M.@R,XRM&/A*B0v=
_[b+.%CI*DN[b+.%CD&*DXL
o,M.+RE.%dCb+.%*DIDA*.
@/Y`+RE.%/+@0&d*A/.M.Ld/
IR*$FLd&+RFG,,8*/.7.%F.B_*B
A*6.YLx=
u*6*RL, QE b+.%D@,& QA@
;+#J @8A.@,& =
 L* X @.I*D=
_ L* X N+RFG,+RE.%X F;`X X.b
X Asƒ]* X A@X*B.ƒ'+ 8** X  +RFG,aB.0BL
d/E.8X*D* R;A*A@.$A*I"I=
_]* X +RFG,%FpA*8*%A+RFG,/.J/B/
f/, +RFG,]* X   ,"# F0J* ,`%
L:.*BMR,XRJ% I*J* +RFG,M.!
HFR**RLD.M.@H* FSF@AC*?=
 L.I*DN=
g.I*D„]* X I*DEn*A+RFG,aB.0I*D

: L@b+.%CI*D"J8*Y*@FG,
7I?=
 L*FQM.@=
[*FQX*DY*NA@QFQY*UA6.$8*I*A+RFG,
+RE.%@aB.0[ *FQX*DY*X7,NW.B$A*6.Q/.B$
A*6.F0/*BA*6./*6/8/XX!/aA;bZ+RE.%aDF/F0
SD/*FQ$.#/X…/*FQaDFL/ R /x=
[*FQLNA@*FQIbY*+X*DY*&+RA+R
E.%@aB.0[*FQLX7,oIR,0*FQ+.Nn%.@*
+RLv*FQXR!@+qo, ,"LITv*FQ.B%@@
Ev*FQ RArEQ*6FvFQXR*#,P'[/I.BA*6.@@FG,v
A;bZ:dFIb+RE.%bmFR*RA;**#.?v[*
FQ RArv[ IRFR*RL@,vx=
hf*Z@NX7,Af*A.@Af*.@*C =1
P.DNP.DPWgW@ AC*.DI =1
[ L,`*FQ+tB;  L*6@&)@*Q/
 L,`,@;Le ;LI S@f@*6/eJ
aB..B*BA*6.@+q0A&Z.b6,8*/x=1
PQ ^a=1
[`@ D.*RL+RA/* X /*FQB XG,
L+tA$FXRJE LA*.$8.D@,/.D.$F@,
:"J8*Q+ .f*M.?/A*.$+..D@,=1
g^a.M,„h*.$+..D,|n%.,|hf*
L,†* LM.XY+.@*+R,|* LAr@*+R,=1
PQ  iaB.@*Q& W\u/k‡‡/d**@M.
=1
PQ IRR.@*C& NWD. iaB.
W\u@k‡‡"rˆ*.;*8* DLM. &&M.!i
aB.IRR"rˆ% c*8**6 DL&
Z@=1

W.7R.@*CZ@A%K^a.M@
,& nRFR*RZ@X7,.@*C@Af*
.@*C=1
[`@ALRI*D@Af*.@*C@,/ X
G,LMZ*E,A*6..7R"XL*D.0,@:bd
D. F0ALR.!o,M.C "#XL*D.
0.7R?eX*6D. Ib#R@*D.0R.7RAf*
@,!MFR*ZpUA6@J*6. R& @M
JE,dF.@X.7RI*D!d**R
I*DA@XAZ.=1
PQ C& NZ F; I ."#ER
dFY*./*FQ/*R,b+.%$@/x=4
P,‚*dFY*+tJ +Y*& iaB.W\u/k‡‡
@IRR/B;+;" * E, CR,8*oD.@
%7d*E L,`Y**& D.,@C*"W\u& ‰2
e Ib&IRRd**I*D=4
)BC"HMJ8*dF**.D.SY*
,Aj#E L+`L.X*D& =4
P` ,N * /FZJ/  &*"#ER=4
‡&*;DQ+ v&*EZ/@%v&*Ld/.$F/
 v&*IŠ.$@$@v&*.%Fv&*,b*d@Ef
*v&*I*D*,bxPB;+ * /FZJ/ @/ X*6
F F*R,*#./F^K&*=4
114*cG,L@*Q CC*WZ
@P[\'@*]^_(@W*_(*+Q=4
#,*c*.G,L@*Q C
&(*+Q_WZ@P[\'@*]^_(@W*/b*E*, f
'()(*+G,L@0#+.N=4
n *  N=4
PB NW@, IQY*[.h*=4

[&M.N[bYFMIQY*[.h*=4
Li0+QNn.I*D,[.h*fP,(*6F/.6Wj*P@/
il.RW,=4
 0aB.M.N F`.M.IQ&Ld8@E.%
IG.n* .7@*.B+‹"8/+RE.%+RFG,"%A
CaB..G D**CF *#*$F=4
L*#,M.Nn.[b*6F)p[.h*:.n.n*D,[.h*?/
fP,(*6F/.6Wj*P@/il.RW,=4
[b6+RE.%N'RE.%b6Œ:[b6IY*_.U
aA{RBX#*D"R#C@IQ"F•.6*?/
%A+RFG,CaB..Gb*6FW$)R:Žk'‡4121_335?[*.@
&IQN=_1<,,[*.XIQN<122,,[.ITA^N9_2,=4
 [b+.%*DIDNO22%.UaV@;;=1/=*6.,1+R
FG,V,==
PYM.N21U7/"X7,N==
_u&+o.N1<OU*D,14/4>==
_u;,C*N9=<U*D,O5/O>==
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PB;+Y,`M.IR&+o.@ ,ID& 
P[Pg/;%..7& I*D+.N=<
_uLN=<
|u"N1<OU7:*D,144>YM.?=<
|u W(PN9=<U7:*D,O5O>YM.?=<
\M W(P0#+.NWZ@Wb*6F•\PWPu*6
W,_[* il.RW,,IDN53<U7vWZ@P[\'@*
]^_(@W*:(*+Q?+tN<2U7=<
_uA.NW.M.A.@,A@125U/"N=<
|u&+o.&[&M.N=/1U7:;;12>?=<

|WZ@Wb*6Fl.RW,7r.BpFM^
AC*5=/9U7:;;92>?B;+[&M. F`M&*.I*6
 L=<
 * JIR*.7*#I* N\M&+o.&&
M.#*6BX  @*Q&[bYFMnQY*[.h*Dd*
*#,4V24V1229A@<2U7/FM^AC*I @,ID+t"F&,
1229:[ Yb&[bYFMnQY*[.h*f,ID"F0#
+.NP$F@I +Ru*6W,_u*,*<=/5U7/[b[\F 
*#b*6F3/5U7/[bPW((Pu[b*6F"%,{_Pnu
:u*,*?O9U7/[b.AL@CP *g;O9U7?P"&
M.,ID+ti+q0& Y`J0+.I*f"F@+q
0&FM"f,ID=<
W$/FM&+o.,*&&M.A@IR*=5
X/ * *6. R,e@*Q& @IRR&  =5
PB;+IDA.$& !G,L  IQCIŠ.$
Nb+.%*DID/b+.%D/L,`aB./ !b6/x
 XG,L*RL+A*6.FAr&./*FQ/A*.$I*D&
 `Bba.$F&LdM.@/M.H
o I K,b*dI*Dˆ,b:U* /AC,F x?u.Bp 
XG,LFR*J AC*, A$F iaB.@@ ba
,@I @.%F@ ba.$F  IBba&Z
@g@obaf.$F@ EqAr XG,L+tA"
 *RL#F00 !J *6. R@*Q X7,N=5
_Pd**C& N<,=5
_[*FQI%.N\;F Fd•/d**JI%. 
C,0+.NEZApF1<,/*DXL29,/*FQ RAr@*FQI /
F^/Af*d**EZFZXYUA6, ,"*DXL@EZApF
: DL+125V1224Vl_)P[@1V1V1224&)P@*Q?=5
_P.D.$F*6FN]*%FFM.+4411222225@
29V1V1225&)l.RArI.I*D,[.h*/.D+.%.DPWgW,d*A,

,M.A@2>/K,5.D+.%12>/,*•=,M./*R,<2>3
,aDF=5
_hf*N*8* Z@;,C*/Af*Xw,`Af*+.%
.aDI*6,ITC1 RAf*+.&WZ@Wb*6F@\ *#
Wbbu*6,|4/1>V,/C,J A@N/5>V,=5
|[*FQ+q0"N9/=>V,=5
111\ZJ iaB. * %AG,L@*Q 
CC*(*+Q_WZ@P[\'@*]^_(@W*=3
111PbaF00G,L=3
 LM, c& ba*8*G,L@*Q /
D.baM.@Ib.GE e.$FIbM&+tm8*+*A6
@XID RG,L/r`M, c&baF00G,
L'()(*+A.bjcb .$F@EqArbaF00b 
G,Lw,R,XRJQE /I  @M&baPba
F00*6G,LC*(*+.$F;*K*..7/ 
.7ba,@'()(*+.$F#G,L*6  IB+.
ZN=3
P`%NPbaQ A@ba 7+;,@I @
.%FP.*B",C_,*#,o.*8* ba,@
I @.%FWZ@A@I @d+q0 baw,
*".@**#."*FQ#Z*6. RI*D& #
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L* .BI +C/F^@ L0I #I*D.@
,& &M.f`@* RC* @FA8(@W*/@
F(7[Q*,@Ib`@LX@*6 A@@F"[ *
@LX@AZ$@F(Ch/LEf[G,\R/@F(R*\^g"
.I*D& XLGB @IbFSF8*D<2
 P`*NPba.$F  F;a6baC*j_Z

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@ D.+.ZN<4

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_(7+;*DIDIŠ.$e*DIDXRt*b<4
_n*Ab EZApFJ*DIDFSF8*,0L
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!b0<4
_;* EZ;XRX7,*FQaDF$A*6./Z
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 EZ;XR<4
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o+0#Y.M.@Y.*6C*/H .
M.;A**8*+RFG,L0M.&  X*D&L
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J/ * ,8*iKAC**6o$L..B
oE.8A8BLd@d&D.@J &&M.
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 B/ XG,LFZJM&IR.%F.B$
A*6. /HJDX*DA8* xu!$ 
E.%/X*6F F%I @w,CD&*+X*D* @
IR.%F.B$A*6.M.@& <<
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 LAf*+.%*DI%.<<
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!FZJ&*/IR+*Ad*@;%.@* /H
opIDet*o "**B@*6F"*.n*E LAf*
+.%*DI%.  XG,Lf.Z& .Bp+.ZN<<
W.Bp`%N* 6*o&*@A*`ITcN* 6
@A@; .$_*.""ˆw,`&*& @!A*
`,@@M.ITcI*D,K*6M.@Z XG,L
f M,Am,@ .B*B@*QdeFFR*A@I*$L
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eX*6 !E LAf*+.%*DI%. ,@ XG,
LE,E! XG,Lf"+++ &*& G,
L8*,`&*&  Q*6F*68Ze
8*  ;PB;+D.,`&*A@;;!Af*+.%*D
I%.&  8""#E,EGc#A@,Af*+.%*DI%.
 *6C*WAC*/dF"+I X*6,`&**o
   XG,L"o*.iM*D*8*Af*+.%*DI%.
I`#A@,Af*+.%*DI%. *6C*/ F0,F;F FJ
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 P8Z/ XG,Ld7%*FQX! Z&
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Q& Y*D@I* X*DM.@Y*Pb XR
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,IRYL/I @*6M./.*B"+tIb"
*.;**,`A*.$WAC*, XL ,C,tX*
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I  XG,LE.%,C*#,Ib,C*#,# DL@*
 W@* XG,L,.jcA@*6%/+c
A*.%FR* F0C*6G,L@*Q <5
(*6C*/I*FZJC&  XG,L F0*
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L/*FQX*DY*@,X*DY*^ X*DI *o.B#
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