Báo cáo tài chính hợp nhất quý 2 năm 2015 - Ngân hàng Thương mại cổ phần Sài Gòn - Hà Nội

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THUYET MINH BAO CAO
rAr cHiNH HoP NsAr
Cho Quy

II

ndm 2015


F'!SHB
Ngan hlng I MCP SdiCdn

-Hn Noi

TI,IUYET MINH BAo CAo TAI CHiNH H9? NHAT
QUV ll NiM 20rs

l.

Th6ng lin va ngan hing

Giiy ph6p ho4ttl6ng 0041-Nll/GPngiy l3 rhiing II

ndm 1993
Giay phip hoat dAng do Ngan hdng Nha nudc Viet Nam cap
fhoi hcn hoat dong cia Ntsdn h,inB li 40 nam ke ru ngdl cip gi61 phep
dAu ti€n.

Il6i dilng Quan tri
Ong D6 Quang Hi,!n
Ong Ngu;-6n vnn L€
Ong
Ong

Chn tich

ll\

Trin Ngoc t-inh
Ph4m Ngoc Tuin

6ng L€ Quang Thung
Ong D6 Quang Huy

Ilar ki6m

T6i b6 nhi€m ngdy 5 thang 5 nam 2012
T6i bii nhi€m ngdy 5 thdng 5 nam 2012

vren

Uy vien

Tliib6

tly

86 nhir:m ngay 5 thdng 5 nam 2012

vren

nhiOm ngey 5 thiing 5 nAm 2012

]'hanh viCn ddc lap

86 nhiQm ngdy 5 thring 5 ndm 2012

Thdnh viCn

86 nhiem vdo ngdy l9 theng 4 ndm 2014

sodt

6ng Pham I lda Binh

Thdnh vi€n

Tai b6 nhiCm ngdy 05 th6ng 05 n,m 2012

Ong Nguyin Hnu Drlc

Thanh viCn

l hanh T6m
I)l] Ngulin I hi Hoat

'l hdnh vi€n

lar bo nhrgm ngay 05 thdng 05 ndm 2012
Tdi b6 nhirim ngiry 05 rhdng 5 nam 2012

'lhrinh vi6n

86 nhi6m ngdy 24 rhang 04 nam 2015

6ng Biri

i

llan Tdng Gidm d5c

ll

6ng Nguy6n Van L6

Ding'lrung Ding
Ong Li l)ing Khoa
Ong Ngulin lJuy Tir
lld Ngd Thu tld

Ong

chinh

T6ng Girim d6c
Phci T6ng Cidm d5c

Tdi bd nhiem ngay 2l thang 5 ndm 2014
86 nhiQrn ngdy 0l thdng 9 nam 2006

Pho long uram ooc

86 nhi6m ngdy l0 th6ng 4 nam 2009
86 nhi€m ngdy l8lhdng 02 ndm 2013

Ph(r T6ng

Ild Ninh Thi Lan Phuong
lli Dang '16 l,oan
tla Ng6 l hi V6n
'l ru sd

I

Ci6m d6c

Ph6 Tdng Gi6rn diic

86 nhi€m ngdy l51h6ng 3 nrm 2011

Ph6 T6ng Giam d6c

86 nhi€rn ngdy 08 thring 06 nam 2012

86 nhiCm ngay 9 thdng I0 nam 2012
86 nhiQm ngdy I I thang 1l ndm 2014
K6 to6n tnrdng
56 77 - I-rin Hung Dgo - Q.l todn Ki6m - ]-P.Hd N6i - vict Nam
Ph6 T6ng Cirim diic

lr


SISHB
Ngen htng

2. l)ic

t MCP Sli

Gi'n Ili

Noi

di6m hoet dong cria tO chir tin dgng

Ngan hang Thuong mai C6 phin SAi Gdn - Hd NOr (duoi day gai tir la 'Ngan hang ) te m61
ng6n hdng thrrong mai c6 phin Vi€t Nam thdnh lap tai nuoc COng hda Xa h6i Cht nghia Viet Nam
vor lhdi gian hoAr d6ng la 40 nlm theo 00,1I-NH/GP ngdy
thang I I nam l99l cta Ngan hanS

ll

Nhi nudc Vier Nam.V6n diAu l0 cria Ngan
(Tim nghin td,n trim

s.{u lam

ti

hAng

tai ngay 30/06/20t5 ld 8,865,795,47U,U00 d6ng

biiy lrAm chin lam rrieu b5n rrtrm biiy muoi nghin ddng).

ll6i so chinh cia Ngan hing dat tai 56 77 - lrin Hmg Dao - Q.Hoin Ki6m - He N9i - Vier
Iaingi)30/06/20l5.NBanhengc65.72qnhrnvidn(Diunam20l5:5.55lnhenvien).

J.

l6m

tit

cec chinh

Nam.

sich k6 to6n chu y6u

Chudn muc vir ch6 dO k6 toin dp dr;ng

\ll;n

hiint trinh ba) cdc biio ceo tai chinh bing di'ng Vidt Nam (VND, rhco Luit cae Td chrle
lrnLlrrng. Iuiitsuad0i !AbJ\untsrnJlsodieutrontsl.uatciic l6chuc I in dung. cdc chu,in muc ki
loin Viit Nrm vd tlO th6ng K6 todn cric td chric tin dlng Viel Nam.

Ki bto cdo ve ddn vi

tidn i6

bit dir.: tir ngiy 0l/01/2015 vii kCr lhuc vdo ngiy 3 I /03/2015. . Don
vi tiin td sri dung trong ghi chip k6 todn la d6ng Vidl Nam (VND). I u) nhi6n. lheo quy dinh tai
-fh6ng
Lu 49/20l4,rfl -NIINN nSay 3l/12l2U14 cia Ntsen hang Nha nu6c, cdc so lieu tren Biio clio
lar,Jhrnh du.Ic lam tron ddn hing trieu vir trrnh bd) thco don \itrieu dong Viet Nam.

Kj

J.

b6o ciio cua Ngan hdng

Nguvin tic ghi nhan cdc nEhiip vq bire ngo?i ld vi qu! ddi
'lhco

hQ

th6ng kd to6n cria Ngdn hdng, t5t

ci

c6c nghiCp vu phiit sinh cua Ngan harng duoc hach

Tai thoi di6m cu6i nim. tai sen rd cong no co ngu6n 86c ngoei le duoc qu)
d6i sang vNI) theo ri gi6 quy dinh vio nga) lip bang cin ddi k6 todn. Cdc khodn thu nhap ve chi
phi bing ngoai te cua Ngan hing duoc hach todn banU VND lheo ti 8id vao nga) ph6t sinh th6ng
qux giao dich rnua bdn ngoai te. Chenh l€ch li giii do diinh gid lai cdc lai khoan krnh doanh ngoar tC
duo-c hach loiin vrio beo ciio K6t qui lloet donts Kinh doanh rA lgi nhuAn di lai. ChCnh lCch ti gie
phit sinh do qu) d6i ciic tai sdn va c6ng ng khac bing ngoai 16 sang VND duoc xt ti rio doanh sd
cua cec khodn muc luong fn8 trCn bdng c6n d6i kii toen veo ngey lap bro ciio lei chinh.

toin rheo

5.

ngu."-€n t6.

Chri,ng kho6n

iliu tu gii

d6n ngey d6o hen

Chring khodn no gitr d6n ngay ddo han Id cdc chfng khodn c6 ki h4n c6 dinh vi cric khoiin
rhanh torn c(i dinh hoic c6 thd xdc dinh du{rc va Ban ldng Ctdm d6c co i dinh va c6 kha nang gin
d6n ngiry drio hqn. Ngdn hang dang ghi nhAn cac ching khoiin ndy theo gid gric cQng lai du lhu lrir
ta, .f,i, pfan U6. Cia tri phu troi honc chi6i khiu (n6u co) cing duqc phdn enh vao gie lrr tshi so cua

khoiin diu tu l-ai duoc du thu hotrc phan b6 theo phuong phdP dudng thing Chtrns khoan duoc
du phdng gram
gir-r din khi rJrlo han se dugc xcm \il !i khd neng gia'n gid Chung kho'n duoc lep
gia tni giri,r, thi truong nhd h(m gie rri ghi s6. Dq phdng grdm gi6 dugc ghi nhan vao bao cao ['ri

qni hoal d6ng kinh doanh.


[''SHB
Ngen hing TMCP

6.

Sli

ChriTg kho{n

(;dn

llA NAi

diu tu sin

sAng d6 bdn

Chrlng khotin diu tu sin sdng dd ban ld cac chtng kho6n d(oc grii rrong thni grun khong in
dinh lruoc. c6 th6 duoc b6n dd dAp fng nhu cau rhanh lhodn hodc de tn8 phf, voi lruong hgp thay

ddi lAi suit. ti gi6. hoac giri tri chfng khoiin. Ng6n hdng dang 8hi nh6n c6c chfng khoiin nay theo
giii g6c cclng ldi du thu tn) lai cho phan b6. Gid rri phu rr6i holc chii:r k}6u (n€u c6) cong duo. c

phdn dnh vdo gid tri ghi s6 cua khodn diu tu. Lai duoc dq rhu ho4c ph6n b6 theo phuong ph6p
drong thing. C6c chfng khodn ndy duoc denh gi, dinh ki theo gi6 rri thi rrudng va du phdng giam
giii tri se duoc lap khi gie tri thi truong nh6 hon gi6 tri 8hi s6. I)u phdng giam giii duoc ghi nhan
! i,, br^ (ro kcl quij hi)at d6nts k inh doanh.

7. Chi'ng kho6n kinh doanh
Chling khoen kinh doanh le chrrng khoiin ban ddLr dr-roc mua vd nirn

gii

cho muc dich krnh

ngin han ho{c n6u Ban Tdng Gidm doc quyet dinh nhLr vAy. Ngan hants dang ghi nhan
(ic ching khoiin ne] lhco giii g6c \ao nga) giao dich. frong ciic kj liep theo. ciic chrng khu;n liaF
doanh trong

tri thi trudng c0a ciic chfng khoAn van duoc NBan
h.rne rhc,' ddi di d,inh gii !i lhc nlng giirn gid lhi gia rri rhj rruong thip hon giii loc. \tsoai rru
lrronS hop kh6ng thC xdc dinh gi6 t.i thi truong mot cach chic chdn thi grd lri cua chtn8 duoc rinh
dua rren nguyen gie sau khi trir di t6n thit Lr6c rinh (n6u c6). Lai hoac 16 tt kinh doanh chfng
Lur rlu,le

lhi

nh6n thco gid goc. Tu1 nhien. gi6

khoiin duoc ghi nha.n lr€n brlo ciio k6t quir hoat d6ng kinh doanh theo s6 thuin.

8,

Cdc khodn cho vay
Cdc khoan (ho

vi fng trudc kh6ch hdng

rry \a

ung rruo. khdch hang duo( c6ng b6

vi trrnh ba) lheo 16 dLI no Boc lai

rhi)i diarn cu6i k,i'k6 todn.

,.

Dr phdng r0i ro lin du[g

'l'hco Luet ciic T6 chric tin dung c6 hiCu lqc til ngdy I thrin8 I n6m 2011, qu16t dinh si,
I617 2001 QD-NHNN ngay 1t lh6nu l2 n,m 2001 cuc lhon8 doc \gan hang \ha nuoc \C \iac
ban hanh Quy ch6 cho vay cua Td chuc tin dung diii vdi Khach hnng vd cric quyit dinh sna dor
Quy6r dinh s6 16271200I/QD-NHNN Ngin hdng phdi thuc hicn phan toai ng. trich

lip du phdng

rur ro lin dung.
NB?rr-

qu1 dinh

I

rhdng 6 na,n 2014. Th6ng tu s6 02/201

l,rfT'NI INN

vi phin loqi tei sirn c6. mtc trich. phuong

ve th6ng tu s6 09/20 14,'ft-N HNN

phdp trich lap dq phdn8 rni ro va viCc su dung

xn Iy'rni .o trong hoat dQng d6i voi 'I'CTD !a chi nhdnh Ngdn hdng nudc ngoei chinh thtrc c6
hieu l\rc. Ap d!'ng Dieu 8, Th6ng ttr s5 02/2013/m-Nl INN, lrong vdnB l5 ngdy diu tien cria qu1
lll. Ngdn hing se hoen thanh viCc tlr phan loai no va trich lap du phdng rii ro cho s6 du ng lai thoi
drim curir quj ll va se ghi nhan chenh lOch dq phdng phel sinh leo biio cdo lei chinh ri€ng qui Ill'
56 liCu duoc lrinh bay lr€n beo ceo 6i chinh gita niCn dO nay ld k6t quA phan loqi no va trich lap
du phdng cho s6 du ng tei thoi di6m cu6i quy I theo qu,v6t dinh s(i 493/2005/QD-N| INN ngi)- 22

rJd

Ngan hhng
rhring 4 nam 2005 va Quyiit dlnh s6 I 8/2007/QD-N LINN ngiy 25 th6ng 4 nam 2007 cia

l


*!ISHB
Np0n hine TMCP Sni Gdo

- lti

N0i

),lhii nuoc vd viec phen loai nq. trich lilp vir

sr:r

dung

dr

phdng de xu

li

rui ro tin dung trong hoal

chfc tin dung Theo d6. cec khoan cho vay kh6ch hdng duoc phan loqi lheo
cac rnirc dg riri ro nhu sau: Ng di tieu chu6n. Ng cin chti !. Nq dudi ri6u chuan, No nghi ngo va
v6n dva vao tinh trang qud han vir cac yiu td dinh luong khac coa khoen cho
No c6 khd nang
d
'n6t

vo),.

Cac khoan no duoc phen loai la

\o

duoi lieu chuan, No nghi ngo va Nq co khi ning mdt vdn

dLroc coi Id no xAu.

- D'r phdng cu thi
I)u phdng cu thd dugc trich lap tren rui ro tin

dUng

thuin cua cdc khodn cho vay theo

lj

tu(rn8 rrng voi tirng nh6m nhu sau:

1\ lt: th tht)ng
I

No

di

ti6u chuin

(l

tlk)

0%

.

Nq can ch[ Y

5%

No duoi tieu chuin

200/.

.+

Ng nghr ngo

50%

5

Noc6

100%

khA nans mat v6n

Rui ro tin dtng thuin cria cdc khoan cho vay khrich hang duoc linh bang gia 1r; cdn lqicia ciic
khodn cho vay trir giii tri cua tdi sen diim bao dE dugc chidt khiu thco cdc ry te theo quy dinh trong

quyir dinh s5 493/2005/QD-NI

lN

N. Quy6t dinh sO I8/2007/QD-NHNN, th6ng ru 02120l3rll-

NIINN

,I

'i

xi

Dq phdng chung

vi duy rri du phong chung bing 0.?5ozo l6ng gid tri c6c khoan no
drrm phin loai ti nh6m I d6n nh6m 4. lru cdc khoan tiin gii tat 16 chuc tin dung trong nuoc. chi
nhanh ngen heng nudc ntsoai tai Vi+l Nirm theo qu) dinh cua phdp luel. tian 8ui tai ld chi( lin dung
Ngen hang thuc hiCn lrich lap

nuoc ngorii va c6c khoan cho vay. mua cti k1 h4n

giil

to co Bid d6i voi to chuc tin dyng, chi nhrinh

ng,rn hring nu6c ngoai kh6c tai ViQl Nam.

l)tr phdng rr]i ro lin dung lai Campuchia vd Ldo
('Jrnp chiJ \r I iro trong lj bdo cdo luon8 trng.

10.

'Iii

lii

eP dqng theo quy dinh hien hdnh

cia NHNN

sin c6 dinh

san ca' dinh duoc lhd

hiin thco ngu)en

gi6 tru

di khiu ha,r I[] kc. Ngu)en gia bao Sonr

roin be cic chi phi md NSan hang phdi bo ra dii c6 dugc ldr sen cij dinh tinh d6n thoi didm dua tai
srn d(i v:ro lrang th6i sin sirng su dqrng. Tdi san c5 dinh duoc tinh kh6u hao theo phuong phep
dudng lh;ng d6 trir din nguycn gid tiri sen trong su6t thoi gian h0u dung uoc tinh nhu sau:

)


6.tSHB
Nsin

TMCP SAiCdn llANoi

hAng

- Nha cua. vat ki6n

25

03 - 05 naln

- Phuong li6n van tei

06

-'l'hiiit bi van phdng

03 - 07 nam

-

04

07 nrm

-

08 ntrm

l'ei san c6 drnh hiru hinh khdc
m6m mri;- tinh

- lai snn c6 dinh

03

v6 hinh khric

si

- l0

02 -

su dung ddt duoc kh6u hao theo phumrg phnp duong thing

nhdn quy6n

nAm

- Ma) rnoc.lhret br

' Phin

Qulin

trtc

nanl

20

nam

phi hop vdi Cia) chint

dung d6t. Quydn su dung ddt v6 thdi han duoc ghi nhan rhco gi6 g6c va kh6ng rinh

kh6u hao.
I

t. Tiinvlc6c

khoiin tuong duong tian

l'idn vd cdc khoirn tuong duong tidn bao gdm tidn m{t, vang, d6 qui. tidn gLir thanh roen tar
NllNN. tin phidu Chinh phri vd cric gi6y to c6 gid ngin han dri diiu ki€n chr6t khiu voi NHNN. cic
khoiin trin gtrr thanh todn vA lian gui. cho !a) lqi cec lo chic tin dung khdc c{i lhoi hqn dilo hen
kh6ng qud

12.

I

lh6ng

Cdc cdng cu

k6lir ngay gtr.

tii

chinh phSi sinh

Cic c6n8 cu lar chinh phii sinh duoc ghi nhan rr€n beng can d5i k6 rodn rheo gid lri hop donB
Yio ngriy giao dich. vd sau d6 duoc denh giii lBi theo g16 tri hop ly. Loi nhuan horc 16 khi cd,; eong
cu tei chinh phiii sinh duoc lhuc hien duoc ghi nhan rrong bao c6o

lit

qud hqat dOng kinh doanh

I .ri nhuin hoac t6 chua thuc hrgn duoc ghi nhin vdo khoen muc chenh lech danh gid lai cdc c6n8
cu rai chinh pher srnh rr6n bdng can di;i ke todn va duoc ket chuyin

vio kir

qua hoal ddng kinh

doanh vao rhoi didm cu6i ndm.

lJ.

Ghi nh6n thu nhap/ chi phi l6i

Ngr)n hdng ghi nhAn thu nhap

tir lai va chi phi lai trin

bdo cdo

kir qui

hoar dgng kinh doanh

trin co so du thu, du chi.

l.l.

Ghi nhan thu nhap tir phi

\gin

vi

hoa haing dich vg

hinS lhu phi tu cac dich ru cung cip cho khiich hing.

ciic nh(im sau:

l

hu nhap tir phi c6 lh6 chia thanh


F'SHB
Ng:itr

hlns'I MCPSiiGdn -}In Noi

.

ti

viqc cung ciip ttich vu trung m1t thoi gion nhiil arinht phi rhu rir viCc
cung cip dich vu rrong mot thor gian nh;r dinh duoc du thu trong su6t thdi gian d6. phi ndy

Phi lhu

bao g6m phi quan l)'. phi nhan u],thdc. hoa h6ng
qunn

.

I!

vi ciic phi lien

quan d6n

cip tin dung.

tdi san. phi quan lr'danh muc va ciic chi phi quiin Iy c0ng nhu phi tu v6n khric.

ti

/icr.. Ph i phnr sinh tn viCc dam phen vd tham
gra ddm phiin ciic giao dich cho m6r b€n tht ba, vi du nhu dan x6p vi6c mua c6 phin hoac
ciic loai chirng khoiin khac hoSc mua lai doanh nghi€p. dugc ghi nhan khi hodn rit giao
djch li0n quan. Phi hoec m6t phin crla khodn phi nay c6 liOn quran d6n vi€c thuc hiin m61

eJrng vric nhit dinh sd duo.c ghi nhin khi h.,an rirdiiu krcn ruong ung.
Phi thu

viec cung cdp dlch vr| giao

a

\

)

/


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[!ISHB
Np6r

hlnr ]-MCP Sni Cdn llir Noi

16. 'Iidn m{1, vnng bac, dd quy
30/06t2015

3t/12/2014

iin mdt bing VND

561,102

471

bing ngoai td
Kim loai qui. da qui

405,874

273,1t9

t26.510

57, t39

1,093,686

80r,433

I

.115

17. Ti6n giri tai Ngan hing NhA nlllic

I

ien gui rhanh toen tai NBan heng Nhd nudc

I rcn

gur nhonE loa (ncu co)

Iiin

gni khric

lll.'t

iin, rAng giri tai c6c

t6 chuc

fins Rii kh1ns kjr hpt
- Iling vNI)
- Bang ngoar lq. vanP
kj,

3t/t2t2otl

2,5.1I,71',I

1,146.049

2,511,111

1J46,049

tin dgng khdc

l iin,

Tiin, ving gni cd

30to6t2015

htn

- Bing VND
- lrang n!o4r lc, vanE

(lho va]
Ilin-s VNI)

30/06/20rs

3t/12t2014

5,504,648

5,611,663

4.855,022

3,670,396

649,626

2,007.261

11,0,15,020

1E,EIE,E85

I 1,0i5.137

18.805.

9,881

8.748

2,000,000

4,999,952

2,000,000

4.745.000

lJrng nloar lq. !ang

Du phdng rni ro titn g'ii vd cho vrv TCTD
kh6c

l]7

254.952

(s,137)

(s,137)

18,544,531

29,,191,363


r'

SHB

Ngen hnng'rMCP Sni Gdn

19. Crc

c6ng

- tln

cI tii chinh

NOr

Dh6i sinh vd c:ic

tii

T6ng gtd

san tei chinh kh6c

lricia

hqp
ding (theo ty gid nsdy

ht(u trc hap dong)

Tgi ngiy 30 thdng 06 ntrm 2015
COng ct TC lthtii sinh tiin t

Giao dich ki,hen tidn tc
Giao dich hodn d6i

k,

han

T?i ngiry 31 thing 12 nnm 2014
LOnP C4 lL pnot Stnh uen lP
Ciao dich

ki

han tian te

Ciao dich horin d6i kY han

20.

ti

Tai sdn

5,796,727

7,832

534,959

3.031

5,26t,768

4.801

4,194,rJ0

18,61I

2.606,885

5,t60

r.887,245

r3,45l

!a) chrir khiu thuong

phr6u

vi

30/06/2015

3|12/2014

I17,668,839

103,206,080

6.6t6

t.34',7

t6,r84

81.942

cric gi6y

rd c6 gih

C6c khoan lrd thay khech heng

(

ho !a\ bin8 v6n lai lrg ru cdc TCTC Qutic
rc ( wB. JtcA...)
Cac khoa'r R8PO vo' kh6ch hrn8

7

,959

cta SHB

Cec khoan phdilhu giao dich cht?ng khoan

SIIBS

649,085
1,700

AMC
CUA

C6ng nq

Cho vay kh6ch hang

Cho va) cac 16 chtc kinh t6, cii nhdn trong
Cho

bi shi si kA bAn
tqi
ngAy l1p bdo c.;o)
Eid

T6ng gid

(theo

t16,532

142,560

118,600,190

104,095,714

l0


F'SHB
Ngin hlns TMCI'Sli Ga'n Hn Noi

20.1. Phen lich chit luqng nd cho vay

No du ti6u chuan
No cin

chi

j

30/05/2015

3t/12/20t4

I t3,4E4.2a4

99,864,42t

1,993,931

t,9 79,359

N!' duoi ti€u chuin

8E9.283

262,t54

Nq nghi Dgd

420,959

356,024

1,63s,t97

1,488,896

r 18,423,65t

t03,95t,454

No co

khi nrng mit v(in

C6c khodn REPO v6i khech hdng cia

Stlll

AMC
Cdc khoin phai thu giao dich chrmg khorn
cua SIIBS

I)

lC

1.700

t76,532

142,560

11t,600,190

10,1.095.714

30/06/2015

3l/12/2014

no

%

lv
'I'i

la no quli han
le no

xiu

4.t6yo

3.97yo

2.4ayo

2.02%

tl


I'SHB
Nsen hlng TMCP

sliCdn HiNoi

dunq theo thdi gian

20.2. Phen tich

30to6t2015

3t/12/2014

Tri(u ding
N!, nsin han

5

t,480,468

45,442,tOt

No lrung han

34.992,41I

33,E30,159

Nq daih+n

32.t27,3tt

24,t23,454

r16,600,r90

t04,095,714

20.3. Phan tich du ng cho vay ih€o d6i

Cdng lv Nhd nu{rc
COng t] TNH|l Nhd nu6c
C6ng ty TNHH khec
C6ng ty c6 phin v6n

Nhi nudc

C6ng ty c6 phin klr6c
Cdng ly hop danh

Doanh nghiep tu nhan
Doanh nghi6p c6 vitn diu tu nlr6c ngoiri
Hqp ric xe va liCn hi6p hop t6c xa
l16 kinh doanh,

ci

Thenh phin kinh

nhan

16

khec

tuvng khich hing vA loai hinh doanh nghiep
30/06/20 t 5

3Ul2n0t4

trieu YND

ftieu

5.323,2t9

4.49Vo

9,065.562

'7.64Vo

24,040,392

20 27%

t,6E7,s2l

-t.130/,

48,479,524

40.8t%

8,I I8

0.01%

1,092.235

0.9?o/o

I15,555

0.lovo

73,22t
19,it7.305

0.06%

t6.30%

2,200,928

LE6%

C6c khoan Repo v6i kh6ch heng cua
c6ng ly 'l-NHll MTV Quan Ii nq ve

0.00%

VND

o/"

3,804,855
6.312,135
20,95E,057

3 66%
6 06%

20.t3yo

6,653,68r
46.907,729

6.39Vo

45.06Vo

5,113 0.00%
I,3t4,026 1.32Vo
52,077 0.05%
6 t,581 0.0604
16.'/32.109

1,089,191

r,700

t6.07vo

|.05%

0.00%

khai thic taisen SHB

ching
cia C6ng ty CP chung khoiin

C6c khoen phdi lhu giao dich
khoArr

t7 6,532

0.t5vo

t42,560

0.t4yo

SIIB

rl8,600,190 100.00%

101,095,71,1 100.007"

tz


r'SHB
Ng6n hnng TMCP

SliCdn

Irn Noi

20.4. Phan tich du nq cho vey theo

ngenI kinh t6
30to6t2015

Triiu ding

10

3t/12/2014

l fteu aohg

N6ng nghidp va lam nshi6p vn rhu,- san

25,168.328

,n %

Khaikhoang

6,044,308
t8,055,333

5 100/"

5,080,038

15.22%

14,600,473

s,t6t.4E5

4.35%

2.607,5t5

61,603

0.0s%

X6y dung

lE,0l3,4r s

Ben bu6n va ban le; sua chia 0 16. m6 t6,
xc may vi xc c6 dons co khec

17,957

C6ng nghiep ch6 bi6n. chii tao

S,n xuir

vI

phan ph6i dren, khi diil, nu6c

n6ns. hoinudc va diau hda kh6ng khi
Cung cip nrdci hoar dong quin Iy va xu

li

,3,38r,%5

22.4'tvo
4.8Evo
t

4.03%

2.50vo

t5 2t%

2t,609
t5,2t9,800

14.690A

42

t5.l4vo

16,212,150

|

rii kho bai
v! luu tru va an u6ng
Th6ng trn vi rruvin th6ng

3,207 ,t7 6

2.700/o

982,510

0.83%

t0t,945

0.09vo

Ho?l dong tajchinh, ngAn hdng vA bAo hi6m

1,398,594

t.tto/o

Ilorl

8,786,989

'l.4to/o

34,647

0.03./"

I,596,703

t.35%

chinh rri - xa h6i, quan li nhd nuiic, an nrnh
qu6c phdngi bao dem xa hoi bit buoc

10,051

0.0to/"

Gido duc vd ddo leo

29,460

0.02vo

r0r.639

0.09vo

12t,144

0.tovo

I t,551 ,247

9.140/o

18,639

0.02yo

20,062

0.02vo

0.000/"

1,700

0.00%

ric thiii. nu6c thii

Ven

Dich

d6ng kinh doanh bdr d6ng san

Ho4l dqnB chuldn m6n. khoa hoc ve cdng
nghe

tloal d6ng hanh chinh va dich vu h6 rrq

,7

3,2E0,4E2
r,E3E,t 53
91,836
1,095,445
7,952,334
40,624
l,0l1,934

0.03vo

5.5 |Vo

315%

I 17%
0.09yo
1.05vo
7

.640/0

0.04%
0.99%

Hoal d6ng cria Drng C6ng sdn, 16 chfc

Y ta

!i

hoar d6ng trq ginp xa hoi

Nghe thuil, vuichoi va giai

ri

Iloar d6ng dich vv khnc
Hoqr d6ng I;m rhu€ c6c c6ng viec trong cac
hO tsia dinh, sin xuit san phAm v6t ch6r
"d
dich vu tq riau dnng cna h0 gia dinh

Cdc khorn Repo vdi khach heng cta c6ng
-INIIH

r)
MTV Quen li no vi khai thrc tAi
sen

3,9E0

0.00%

31,0E6
91,504
45.112
t t,21E,922

0.030/o

0.09%

0.04%

t0 7E%

Slla

Cbc Ihoan phri rhu giao dich chrmg khodn
cua Cong Iv CI, chLrng khodn SHB

T6ng du nn

1t6,532

rt,600,r90

0.15%

100.00%

t42,560
104,095,714

0.t Avo

100.00%

ll

(


醜 SHB
Ngan hang TMCP Sai Con_::】 Noi
21. Ching khoin dau ttrsin sing de b`n
30/06/2015

31/12/2014

ル ″ングδ″g

77'′ ″グ
∂″

g

crr′ ″g″ 力οイ″Л
彎7

5,620,126

5,746,693

Chtrng khoan chinh phi

2,368,115

2,135,034

53,003

54,909

3,199,008

3,556,750

48,113

48,113

11,689

11,689

36,424

36,424

(17,698)

(33,606)

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