Báo cáo tài chính hợp nhất quý 1 năm 2016 - Ngân hàng Thương mại cổ phần Sài Gòn - Hà Nội

Signature Not Verified
Được ký bởi NGUYỄN VĂN LÊ
Ngày ký: 29.04.2016 19:06

siSHB

CQNG HOA XA IIOI CHU NGHIA I'TET NAM
Doc Iap - Tr,r do - H?rh Phnc

------o0o-------

NGAN HANG TMCP
sil GdN _ HA NOI
s6:

v/v

Hd n6i,

-439 /cv-sHB

nsat$ thdngq ndn 2016

"Giai nh chanh lech lqi nhuan sar thua hop
nhd cna Qui, I/2016 so voi Qtri I/2015 "

tly batr Ch{ng khodn Nbi nudc
SA giao dlch Chftng khorn HI nQi

Kinh g['i:

Cdn cri Th6ng rv 52/2012T-BTC ngay 05/042012 cuo 86 Tdi chinh Hutmg din vi viic
c,ing bi tfu)ng un trin thi truong chttng khodn:

kit qud hoat dfng kinh doanh Qlri l2A ) 6 fi Qui I/20 I 5 tq Bdo cdo tii chinh hqp
nhit Qui I/2016 cia Nsdnha gTMCPSAiGdn Hd NAi.

Cdn cti

Ngan hang TMCP Sai Cdn

Qui V2016 nhu

-

He N6i (SHB) xin giai trinh vd

tinl hinh

hoat d6ng kinh doanh

sau:

v6i Qui y2016 lgi nhuA-n sau thuii Quy L/2015 cua Ngdn hdng TMCP sai Gdn - Ha NQi
hang' Gng
tbng 78,64 t! ddng (tuong dllong 47 460/.) ld do: SHB ddy manh phrit tridn khech
dOng kinh
cuong c6ng t6c thu hdi ng qua h+n, ng xAu trong qui I/2016, den diin lqi nhuan til hoat
So

doanh

ting

so v6i QUY I/2015

TrEn ddy ld n6i dung giai

trinl vc kiit qua

V2015 ctaNgan hang TMCP Sdi Gdn

Tfin lr?hg!

-

Nhu kjnn gUdi

Lw vT, KTTC, WHDQT

-

hoat dong kinh doanh Quy I/2016 t6ng so vdi Quy

Ha Noi.

Li'ibNc eri'*t o1c,1u'
-..:gry;'
NGAN HANG

#+rfrr*ffiiPriAii

sir

oil.riffir

it/€-i- \!
PHO TONG GIAM DOC

,,4j,,i;'ll.it, 9/h


a, SHB
\cir\
77 T.en

slocto(ai.hinh

hqp

rh{r

Qur l nIm 2016

HiNG THtlol,{o M4l c6 PH,IN silGON _HA NoI
Doo - Qui, Hodr Ki6m . Hn NoI

IlnC

Tcl 04.l9a2ll38

TD - BANG CAN DOI

I
ll

Tiin h{l,vhgbrc,da qqi

Tiin cni t0i NIINN
Ul Tiar, vlnggrn l|icacTCTD khtc vt .ho v.v .tc

TC-TD

khlc

I Tr:n, vdng !fi lal 6c TCTD khac
2 Cho vay cec TCTD ktdc
I Du phong nii ro li€n gh vd i.n v.y cic TCTD Idrc
tv chi.g knoln Unh dornh
I Chi g tnoAl kinh doe$
2 Dv phdng g'tB 8iA chlmg ldoin llnh d@rh
v C{c.6ng(U lli chlnh phaisi.h vlc,c lli sir tli chlnh Lh"
vl Cho vry khach hlng
I Cho v.y thlch hlng
2 D{, phdng nii rc cho vay khAch hiDg
vlI Ch'img $oan diu ru
I ChunB ktDdr dau tu sin sing d,i bdn
2 Chhg knoan diu lu 8in di! .8Ay drto hon
I Du phdng Birn giA chhg ldtofi dh tu
vlll C6pr6n,dio tu dli b{n
I Diu ru vio c6ng iy @n

2 v6n B6p lian douh
I oiu tu !,o c6nB ty tiCn kal
a Diu ru dii hrn kl6c
5 Du ph6nB 8re,n grl diu N dar han
I

I
z
b
2

T,r

s

\su\in

c6

dtnnh !hinh

Etd |SCD

Kt

MI.hi
fiau

lhuYal
ml.h

ll0

l5

s6 cu6r

ki
1,02s.106

1.9r7,860

t20

l6

2.261.922

,1J62.5r6

tJ{l

t1

25.29t.,r00

29J9!.1n9

l3l

23.307.077

25.935.446

132

1.991.500

B9

l{0

IE

I

o E7)

a2.866

5,rJ78

(rt 09t

(t6.t49)

10.921

149
150

861.000

(5ll?)

t4l
r9

160

D6,057,72t

1J0,00531,7

l6l

20

131646.974

lL42r.l93

169

2l

{r

170

72

18.250.069

s19.246)

(

L,r2l lE6)

l7Jt5.65r

t7t

8996.M9

7.479.881

t1'),

t6t

r0199.491

9.t16

t19

(t62.848)

210

284.855

(56212s1

"*:)::

2|
2t2
217
298 841

214

(9.988)

119

220

1,0!2,249

22t

311.,480

htu hi,lh
223

Hda in TSCD hna hinh
Ti' rin cii dinh Lhua uiichinh

TOJIN

4.0

16l0rE

8t5.510

8D.16l

(4?2050)

(4t2145)

721
225
226

I
a
b
x
,

Tdi

en A drnn v6 hinn

t\g,!an

221

ei TSCD hi,h

228

goo nnn |SCD |o h,l1
Bdr

25

dotrsr.tr diu tu

Nguy€ngi6 BDSDT

J.849.421

3.848.511

(rt3.26t)

(r60.652)

u0

t6.955

t6.955

241

t7 401

l740t

250

(4{6)
26

16J53.84t

(446)
r6,E?6.587

boan ,hai fiu
Cic thoin lrr, phl phal thu

25t

t.668.081

752

8.991.856

a.an t26

Tar sen lnua TNDN hoan loi

251
5 762 584

6 t24135

Cac

754

-Tlongili

5

).695.24t

229

242

I
2
I

16E8169

Lqi

tli

2t5

thMED,at

Cnc kloan du phong rui ro cho cdc

TdNG TAI SAN CO

sdn C6 noi
',iLi

brrg klec

259

J00

(70;E2l
203.630.99r

(10;s2t
2i)4.70:1.140


Chi liau

NOPH,iITRA vi vdN cEi, sOEtru
I Cac llnorh nqchi.h phn !l NIINI

ll Tdn grl vtvryc'i. clc TCTD kh{c
I ldi crii c'ia oc TCTD knAc
2 v.y oiLc TCTD khiic
lll Tiatrgni.n. khtch hitrg

B

f,10

27

alrJ85

4,221.915

J20

28

24.462.4E9

28,1,1S.?8!

20648.t84

24.119 7,18

l2l

ll0

tal.hinh phal linh vl cI. lnoan rqtll chlnh hhac l.O
dA TCID phll chiu rni ro 3t0
gily r&.6 gil
,6{

lV Cl..6ng.u

v
vI

v6a lni lrq,

vll

Ctu knoan

Phar

rlIh

ui lhtcdiu lu,chor.y

Nqblc

I Cic knoin tai, phi phd' hi
2 llrui TNDN hoan lar ph.r ui
3 CAc knodn phAi t.i vA c6n8 nq tldc
,r Du phong nii tu knic
Tdng Nqphal lri

vtll v6n vi cacqu,
I v6. c!6 TCTD
vi.Aiu b
^b n a;a MYNB
c rU"cd" ',i" ci ptin
d c; ph,i" q"i
. Ci phi" ddni
e Vin khn
2 Qu, crl. TCT D
I chcnh rC.h ry giA h6i doni
t Ch€nn lfuh drinh Bin l6i r.di sin
5 Lo nnu6n cnm ph& phiii
VllI Lqrhh c'i. cdd6rgdiau !6
TdNc Ng ptrir rRi v,i vON cHU sd H0'Ll

cic cHi rrEu NGo^r
I Nghir vU trqdarln
2

814105

r

LE260l5

54.E l6.E9,r

r48t13.876

l9

x.140

l00.0ll

JO

410.6t6

,114.5J2

E.ar9J9

E.259.:1,18

170

l.!95jrl

3.472.111

l7l

2.961.225

3 053.554

712
777
179

17

lt
lt

424.073

193,146JrS

,100

ll,sjt,9r9

.255,041

410

9 582.401

9.582.401

111

9.48t 945

9.485 945

500

t2

112
113

(s.260)

(5.260)

1t4

'll5
,116

864

420

06t

o

410

-82)

440
450

I l0l256

gotslz

700

2.458

2.721

Eoo

20J.6J0.99t

,::;N,

11.166.114

.,*)iA

B^NG
910

Cm rar roDs n8h{p w UC

xi rotrr rc;ngl't

4l

9lr

t9l.48l

912

I291 968

9ll

AT

I

722

r0tii,ili'

ililiil":d
rn,odj)
ndt, Nsot ttui,s ..
9.274.121

r4Z
.z
\ra.scr.o&;p
,r-rqrt<\
'"/rcAr,t
iIGAN

-:/_

.

-

*t-,

HilNl
HANG

-.-*\;
-:
:

SAI GON.IIA I]OI

3-,F;it
Y,fganYdn

tgA


Foa6

^:i6i

s

d

Gc6

A6

'ie
)i

z

,B

o!.1

t\

n neo,.?1

^!61:!e=1qF.q

*.
..\

E

2

€E.H
i3:

9/

!t

)

z
z

,\- E .;

lQf;<

E

z

q

z

E

z

F

F

p

o

F
.ri
q)

:

-E^

ZsB
,<;;
4.5

a

s

,i

-.!

6

EI

€:

:

zFP

E

?€i!

i.i

a

;

i e ;5 .'*EE;iE
i r:E;:" !-: EiE
31
EE get:=€E -:€
E:..PE:-;-iir-I:-€
3 u ?;

-Irl >l
* i- *2
.<5E

.!

€!

F

9Pr E E E:

q)r e

E}=Eg':::iEgiFY
;.:: E n-i -i-i.i E -*-i:

.-*':

E

3

fe.= EEaEciaEa

. al;;v\

e
-aa E.=qa.

!:

- a .

:= I ttrtr: i€'!

+r!iEE:+.:E
q!-d-ae.
e

E =r E ? Ealg ,:9 :9 ,:e t E-':9 . _r .-4

FUFFOIIJJ}-(JJFU

E

t

5€E8555553

===>oo>>>

-=i

-:
E


Broctu Ui.hlnh

HSHH

hqD

rhir

NciN HiNGTycP sAI cdN . Ui NQI
?7TliI Hms o-6-Qu& Ho$ Kilm ' H, Nol

TD - BAO CAO LUU CHUYTN TI.N TE - PPTT - QUV

':ii

. jj: ir:.: -r I

I
I
2

I
/'

LUI' CHUTtN TIIN TU HO{T DONG KINH DOANII
lri vl

Thu nhap

phlhi

cdc

knoin thu nhap ltmg tu nhfu dtrqc

OI

02
luog r\rdr lra
0l
Thu nh0p Lt hod dong dich tu nhan duqc
d.dh
Chcnh lkh a lran thvc rhurhK chr u hoar donB I'nh
04

Chr

vAcAc chi phl

chms khoAn, vdns bac, nBoa'

7
8

9

Tran chi

lhol,

d, dusc rn l) \o4 bu drp brng

ns

Erchonhdnv'an vd hoat donB qudr li, conB vu

tdoio lian,

vdtrB sth

vi

(Tlrg)/Giim clc khoan cho v.y l(hach hdrg

..
Ir

rlanA,,Ciim ngu6n du phdng dA bn dap
dunschnns Lhodn, ddu tuder han)

dn

(477.400)

(429 090)

08

(E2 082)

(44.192)

09

(9r.J29)

(5l0,,lrl)

khdc l0

(r5?.454)

trhong

I

lll

19

20

Tare/(Ciin) v6n

I3

(b& gdm cd KBNN)
griJ rd@ gir lnSoor lruBa) ft, q) gr,

LAi

trq, uy thac deu (u, cho v.y mI TCTD chru

riln rhuln

nii

o.804950)

(4.48)

(r26)

l5

952.48E

(852.451)

l6
l7
l8

(3.707132)

(76t

(3.681 29O

(15.985 98

5.98E.0t8

l7l9

(4.016)

rnh va cnc khoan ns tii 2l

163.21t)

22

II

LUl' CHUYTNTIiN TtI HOAT

86 8r9

I

Mu. sin

2

Tiin thu

rVlh h li, nhront

bAn

3

Tian chi

lnrhdh li.

brr TSCD

a

262140

21

(?.659,53r)

(9.08?.518)

25

(8 837)

(20.4lO;

Muosin

26

TSCD

(')

27

d,o !u(.)

5 T,an rhu ln ban. lnMh li b,l donr san dau u
6 Tian chi ndob,n. thah tibi do.s sin diu ru(')
7 T,ii chi d)u nr. s6p v6n r ocac dm r khdc
8 Tian Lhudiuu, e6p v6nr&c6c dmriknAc
o lrin $u cd rc td lo' nhuin duqc chE ru cac lhod
lian rhuln

t0.140

DONC DIUTTT

tdi sdn cd dinh

bdr dons san

158,

2t

hor(dons kirh do..h

nhuqng

612

5.890

20

(')

l,

5t

1E0.452

khdc va cdne nq ho?t dinB

22 chi rncdc qu, coa TCTD

Ld chuyl!

t90)

3.452 97 t

162t9.332)

dOnBrArchrnh)

TrnC/(CiAm) cdc c6ne cv tdi chinh phai

Ltru chtryar

(940

12

lnfu c{c lhoer

eni clal(h6ch hdng

phdr hanh

dw( tnh t@ hofl

2l Trr8(Gidn)

I

il6l

I7 Trng(G',m) rai
rrrE/tc'dm)

I

07

lhAc ta Di sen hoar dong
Nrrng thor
cdng ry host d|ig
I5 Trnflcidn) cdc khoiin nqChrnh phrl vd NHNN
16 Trng(CiAE) cAc khoan uan g$, liin vsy cac TCTD

hlnh

39131

r.934

du

(')

cho vay ca. TCTD

12

,"
rd

20 615

38 792

clc khotr va linh doMh chri4 khoAn
rl6ng)c',im cdc ldnt cu rdr (hinh phar srnh \a c& ta':dn

i,n

23.006

06

l0 (Trngycdm

14 (Ttug)/c

27.318

(1.459)

nBUAn

thuathu.hap0ucnopEonski(')

Ln .hular (iatr tholtr lt hoil dorg Linh doob l.!6.
rh.yd6i vl lli rlo va vdn lBd0nq
Nhta9 thar dll i tdl tdn hoot ilOng
cAc

(2 586 r9E)

t60

Tian

(Ten8yoim

l.?84 t8t
(r.903 434)

ta

05

lian lhu cEc

1966.546

t! hot! dole.tlu lu

22f(r)

,,:

2a
19

29

l0
3l
dau

u,

gop

12

11.55;

14.78;

tl

150

7t)9

lr

6,6t0

(5.213)

NI LLt' CHUYIN TItN ITITIOAI

OQNG

TAI CHINH

ls
I Trnsv6n diCut
rran rhu rn phAr htnh gie) ro cd gr, dai hM @ drl drau llln thh
2
16
' vao v6n ruc6vd cac lhoiin rdn var drr h0n khac
chr rhuh lorn C,i) rd co Bra dai hon co drl d'au krgn nnh tm
l7
J, Idn
vdn rucdvdcac*hoen vdnvrydar hen lhac
l8
4 C,i lrc ra cho cd ddng, lsi nnugn il! chia (')
39
5 Tian chi n mu c6 phidu nern qut (')
40
6 Tian $u duqc do brn oi phidu ncen qu,

Lmchulh liln thuln rnholl
rv

riar thuan rotr8

dong

tii

chlnh

k,

v Tilnvl cac lhoan rms dlotrs dan tri thtidiam dlu l'
vl DIau chlnh Inh hudngcn. rhr' ddi rig'{
VIlTilnvl

c{c khotr

Llp

n

lmgdung

biatr

-AYt /

rilo tai thdidiam cu6i

r,

xirottrrvhc/ ,,'),
./-

/ft'

/npn

i

(lJ4)

(147)

4t

(15:l)

(347)

42

0.6s.r.1l])

(9.091-098)

4J

t].161,2!6

28,625.t45

26.!0E.r2J

r9.5!2,04'

0

4a
45

nAi,

/;i
-iIN

van

ieq{{6D

NGAN HANGY..

I Goil.11A |J0l

\)

neb, thdns rdn 201
T..ect/r d&lV/


THUYET MINHBAO CAO
rAr cuiNH HoP NnAr
Cho Quj,

I

ndm 2016


協 SHB
Ngan hln8 TMCP SAi COn― HO Noi

THUYET MINH BAO CAO TAICHINH HOPNHAT
QUYIN劇 2016
l ThOng tin va ngan blng

ci5y phop hO.tdOng u:;1‖
[:1:lil;n[ld:l([:」
ThOi han hoOt dOng caa

￨￨∫

￨]lili:￨:#羊

1lVIt::l“ P

gitty ph6p

dau tien

Hoi dang Quan tri

Ong D6 Quang Hien

Tait6 nhiem ngay S thang 5 nと m2012
Ttti b6 nhiem ngay 5 ulan8 5 nこ m2012

chn tich
Lly vien

0ng N8uyё n Van L“

0ng Tran NgOc Linh
0ng Pham Ng● c Tuan

Uy vien
ty vien

い g LC Quang Thung

Thanh vrn d∝ ,p

0ng D6 Quang Huy

Thanh vien

Tai b6 nhiem ngay S thang 5 nam 2012
36 nhiem ngay s thang 5 n`m2012

B6 nhlem ngay 5 th“ g5nam 2012

B6 nhiem vao ngay 19 th4ng 4 nる

m2014

Ban ktem stlit

Ong Pham Hδ a BInh

Thanh vien

Ong Nguyさ n Hlru Dlrc

Thanh vien

昴 g Bni Thanh Tam

Thanh vien

n Thi Hoat
Ba Nguン ё

Thanh vien

Tai b6 nhiem ngay 05 1hang o5 nhm 2012

Ъ i“ nhrm ngay o5島 ang 05 nam 2012
Ta“ nhcm ngay o5価 4ng 5 nam 2012
B6nhiem ngay 24 thang o4 nam 2015

Ban T6ng Ci4m d6c vtt F“ (0`n trlr611g

:織 [?i謂 :ぽ “

∬馴省
鷺
器霊c 認語
溜Ing 需電
首
“

81:::‖
Ong Le Dang Khoa
0ng N8uyen Huy Tai

Pl16 TOng Giam d6c

Ba NgO Thu Ha

Ph6 T6ng Gilm d6c

Ba Ninh Thi Lan Phumg

Ph6 T6ng Ciam d“

Ba Dang T6 Loan

Ba NgO Thi Van
Tru s,ch`nh

Ph6 TOng Ci`md“

B6 nhiem ngay lo th6ng 4 nam 2009
B6nhicm ngay 18 thang o2 nam 2013

B6 nhiem ngay 15thang 3 nhm 20H
B6nhiem ngay 08 th姉 806n詢 2012

B6nhiem ngay 9 thang 10 nttm 2012
Ph6 T6ng Ciam d“
B6 nhiem ng∼ ll thang il nam 2014
Kё toan trtrmg
ViCt Nam
S6 77‐ Tぬ n Hmg DOo‐ Q HOan Kiё m‐ TP Ha Noi―


p.s"Hp
Ngen

hirg TMCPSni

2. DIc

Gdr HiNoi

di6m ho{t dong cia t6 ch[rc tiD d+ng

Ngan hang Thuorg mai C6 phin Sdi Cdn - He NOi (du6i dey gAi

tit

ld "Ngan heng')

h

mot

ng6n hdng thuong mai c6 phan ViCt Nam thanh lap tai nudc COng hda Xa hoi Chn nghia ViCt Nam

vdi thdi gian hoqt dong lA 40 nlm theo 0041-NH/CP ngny 13 thdng I I n6m 1993 cta NgAn hen8
Nha nuoc Vi6t Nam.V6n didu lQ cna Ngdn hdn9 tai ngdy 31ll2l2115lA 9,4E5,945 tri€u ddng (Chin
nghin b6n trlm nim muoi lem ti ve chln trtrm b6n muoi ntrm tri€u d6ng).
HOi so chinh

cia Ngan

Nam.T?i ngay 311032016,

dit r4i 56 77 - TrAn Hung Dao - Q.Hoan Ki6m - HA NOi - ViCt
Ngan hang c6 6.1 l0 nh6n vi€n (Dau nem 2016: 6.083 nhan vien, t?i
heng

ngdy 3110312015 la 5.593 nhan vicn).

3.

T6m

tit

Chuin

cdc chlnh sdch k6 tuAn

mu-c

vi

chi

y6u

ch5 dQ k6 todn 6p dgng

Ngan hang rrinh bay c6c biio cdo tai chinh rheo Ludr cdc T6 chrrc Tin dvng, Lual sna diii va bij
sung mot s5 diau

rong Luar

cAc T6 ch'ic Tin dung, ciic chuan muc k6

to{n ViCt Nam va He th6ng

Kd to6n c,c t6 chfc tin dung Vi€t Nam.

Ki

bdo cdo vA irdtr

Kj

b6o c6o cria NgAn hing b6t ddu tir ngdy 0l/01/2016 va kdt

vi fiAn te

rhic vAo ngay 3 t/032016. . Dsn
vl tiAn tQ su dung trong ghi chep k6 rodn la ddng Viet Nam (VND). Tuy nhi€n, theo quy dinh tai
ThOnEtu 4912014m-NHNN ngay 3ll122014 cia Ng6n hdng Nhri nudc, cac s6 lieu tren 860 cao
tiii chinh dugc Bm rrdn ddn hang trieu vd trinh bay theo don vi rri€u ddng Vi€t Nam.

4.

Nguyen

trc ghi nhgn

cdc nghi{p v1r

bing ngogi

tQ

vt quy d6i

Theo hE th5ng k6 toSn cria Ngdn hing. rit cd cric nghiep vu pher sinh cia Ngan hdng dugc hach
torn theo nguyCn tC. Tai thdi ttirim cu6i ntrm, tii sAn vA c6ng ng c6 ngudn g5c ngoai t€ dugc quy
doi sang Vl\lD theo ri gi6 quy dinh vao ngdy lap beng can d6i k6 toen. C6c khoA;thu
nhep va chi
phi bing ngoai te cta Ng6n h6ng dugc hach to6n bing VND theo ri gie
veo ngay phdt

sinh th6ng

qua giao dich mua b6n ngoai re. Ch6nh lech ri gi6 do dinh gi6

lai c6c r{i kioan kinh doanh ngoai te
dugc hach to6n vdo b6o c6o K6t que Hoat d6ng Kinh doanh vA lgi nhuAn
dii lAi. Chenh l6ch ti gia
ph6t sinh do quy d6i cec di san va c6ng no khiic bing
ngoai tC sang VND duoc xrr ly vao doani s6
cua cac khoan muc hJong ri,ng tren bang cen diii k6 ro6n veo
ngay l€p b6o c6o 6i chlnh.

5.

Chfng khodtr iIAu tu git d6n rgiy ddo hen
Ch0ng khodn no

git

d6n ngay d6o han la cdc chf,ng ktoen cd ki han
c6 dinh va c6c khoen
thanh ro6n.c6 dinh1lo5c c6 thd x6c dinh dugc
va ean r6ng Ctam a&
y airi
r,o
d€n ngdy tldo hgn. Ng6n hdng dang ghi nh6n c6c
"O
chri,ng kio6n nAy theo
c;;g
Ei du thu t
;d
lai chd pnen b6. Ci6 tri php trQi ho4c chiitr khiu (niu
co; cunc d,rqc rnr,in"i ,r"
ui ,n, ,a

thu ho6c phen b6 theo phucms phdp "0"
thing. chi,ng khoiin dusc
gru oen Knr irao h?n se dugc xem xdr vd khe
nang giam gid. Chfrg khoan duoc l6p
dy phdng gidm

j'"0 *, *r*

It

r*

i:::-rll,,l;^a:ll::".du


p__s._tr-D
Ng6n hAng TMC P Sni Cdn

-

HA Noi

gi6 khi gi6 tri th! truong nhd hon gie Fi ghi s6. Du phdng gidm gi6 dugc ghi nhan vao bao cdo kdr
qu6 hoat dong kinh doanh-

6.

Chrtng khorn iiAu tu sin sdng dA b{n
Chtmg khoan dAu tu sin sdng dri ben Id cec chrmg kiodn dugc

git

trong thdi glan khdng

in

dinh tru6c, c6 the tluqc b6n d6 ddp rimg nhu cAu thanh khoan hoac de [lng ph6 v6i trudng hqp thay

d6i lai sudt, tl gi6, ho{c gi6 tri chfng khoan. Ngan heng dang ghi nh6n c6c chfng khodn ndy theo
giri giic cQng lai ds thu tru lri chd ph6n b6. Gi6 tri phu tdi holc chi6t kidu (niiu c6) cing duqc
phan Anh vao gi6 tri ghi s6 cta khodn diu t'.r. Lai dugc du thu hoec phan bd theo phuong phap
duong thing. Cric chung kloan nay dugc denh gie dinh
gie

lri

se dugc lap

ki

theo gi6 tri thi trudng vd du phdng giem

khi gi6 tri thi lruong nhd hon gi6 rri ghi s6.

Dr,r phdng

giam gi6 duo.,c ghi nhan

veo b6o c6o k6t qua hoqt dong kinh doanh.

7. Chftrg

khodn kinh doanh

Chung khodn kinh doanh la chring kho{n ban dAu dugc mua vii ndm

git

cho mgc dich kinh

doanh trong ngin h4n hoac n6u Ban T6ng Gi6m d5c quy6t djnh nhu vay. NgAn hang dang ghi nhan
cdc chung khodn ndy theo giri

g&

vAo ngAy giao dich. Trong clic kj/ ti6p theo, c6c chr.rng khorin ri6p

tuc duoc ghi nhan theo gid g6c. Tuy nhi€n, gi6

trithi

cia cdc chrimg kho6n van tluoc Ngdn
hang rheo doidii danh gi6 va kha neng giam gi6 khi gi6 tri thi trudng thdp hon gi6 g(i. Ngoai rrir
trudng hqp kh6ng th6 xdc ilinh gie rithi truong rnot cech chic chin rhi gid tri cia chring duoc tinh
dua trCn nguyen gi6 sau khi trt di t6n rhit u6c tinh (n6u c6). Lai ho6c 16 tU kinh doanh chrmg
trudng

khoiin duoc ghi nhdn tr€n bdo c6o k6t que hoat dong kinh doanh rheo s6 rhuin.

8.

Cdc khoitr cbo vay vd rl,trg trudc k_hdch h}trg

Cdc khoen cho vay va rrng rrudc kidch hing dugc c6ng brl vd trinh bey rheo sd du ng g6c rqi
thdi di6m cui5i ki kii to6n.

9.

DF phdng

rti

ro lin dung

Theo LuAt c6c T6 chuc tin dung c6 hieu lvc ri ngay I th6ng I ndm
2011, quy6t dinh si5
I627/200I/QD-NHNN ngdy 3l thdng 12 fim 2OOt cria Th6ng d6c Ngdn hdng
Nhri nuoc v,! vifc
ban hrinh Quy ch6 cho vay cria T6 chric tin dung ddi v6i Khrich
hang vd c6c quy6t dinh sna d6i
dinh
s6 16271200 I /eD-NFINN Ng6n hdng phdi thsc hiCn phan toai
Quydt
ng, rrich lap dU phdng
riiro tin dung.

ceckhoenchovaykh{chhangngay2rthang0lndm20r3varh6ngrus609/20r4iTr_NHNN
ngayI8th6ng03nem2014cuaNganhdngNhdnuorviviQcph6nloainq,trichlepvasudungd[
phdng d..

xt

ly rui ro tin dgng trong ho?t dong ngan heng cta t6
chfc tin dung theo c6c rnuc d6
ronhu sau: Ng di.ti6u chuin, Ng cin chri No du6i ti€u
^ii
chudn, Ng nghi ngJ vd Ng c6 knd n{ng
;i,
rhat v6n dua vao tinh trang qud han vii
ciic y6u t6 ainh luong klac cria t

#.$"HH
Ngen htng

TMCPSti Cdn-

HA Noi

C6c khoan ng dugc phan loei la Ng d'J6'i tiCu chuan, Nq nghi ngd vA Nq c6 khe neng m6r v5n

dugc coi ld nq

#u.

- Dg phdngc+ th6
Dg phdng

c!

the dugc trich lAp trCn

nli ro

1in dung

thuin cta cdc khoAn cho vay theo

ti

le

tuong firg vdi tung nhdm nhu sau:

lt

Rii

di

lt

tltr'ttt': ttr tltt:

I

Nq

2

Nq cin chl

3

No dudi ti6u chudn

20v.

4

Ng nghi ngo

50v"

5

No c6 klrd nang mdt v5n

t00%

tieu chuan

00/.

!

50/.

ro tin dung thuan cua cec khoan cho vay khdch heng dugc tinh bing gi6 rri cdn tei cUa cdc

khodn cho vay tru giii rri
rh6ng ru s6

-

lL)

cia tai

sdn dam beo da duqc chii:t khdu theo c6c

ri

lC theo quy dinh trong

02/20lli'fr-N HNN, lh6ng nr s6 0oi20 t4iTI-NHNN.

DB phdng chung

Ngan heng thuc hi€n trich lap ve duy rri dU phdng chung bing 0.752o r6ng gi6 tri cric
duoc phan loai tu nh6m I d6n nh6m 4, ru c6c khodn tiAn gui tai t6 chuc lin dung trong
nh6nh ngan hang nuoc ngoai tai ViCt Nam rheo quy dinh

cia phap luat,

khoriLn

nq

nudc, chi

gti

tai t6 chtc rin dung
nu{ic ngoai ve cdc khoan cho vay, mua c6 ky han gi6y to c6 giii d5i vdi
t6 chuc tin dung, chi nh6nh
ngan hdng nudc ngoai kh6c rei ViCt Nam.
dAn

Dt, phdng rui ro tin dvng rai Campuchia 6p dung theo quy dinh hien
henh cria NHNN
Campuchia trong

10. Tni $n

ki

b6o ceo tuong [,ng.

c6 dinh

Tai san c6 dinh aluqc th6 hien rheo nguyen gi6

trt di khdu

hao lfiy k6. Nguy€n gid bao g6m
toan b0 cec chi phi ma Ng6n hdng phdi bd ra
dd c6 duqc tai san c6 dinh tinh rt6n rhdi diem dua
ai

*r_s._r^r_H
NsSo hlng TMCP SAi Gdn

-Hi

Noi

san d6 veo tr?ng th6i san sang srr dung. Tdi san

cij dinh

duo,,c

tinh khAu hao theo phufig phdp

dudng th6ng tl6 trri din nguy€n gi6 tdi sdn trong su6t thdi gian h&u dqng uoc tinh nhu sau:
- Nhd

ct4

25 nlm

vet kiiin tnic

- M6y m6c, thii;r bi

03 - 05 nam

- Phuong tiCn van tai

06 - 10 ntrm

Thiiit bi vAn phdng

03 - 07 nam

-

- Tdi sdn c6 dinh

htu hinh khdc

- Phin mdm mdy tinh
- Tai sen c6 dinh v6 hinh

khrc

Quydn su dqng ddt duoc kh6u hao theo phuong ph6p nhAn quyAn su dgng

04

-

07 nem

03

-

08 ndm

02 - 20 ndm

thing phir hqp voi Giiy chung

dit. Quy6n su dung d6t v6 thdi h?n dugc ghi nhan theo gi6 g6c va kh6ng tinh

khiu hao.

ll.

Ti6n

vl

cdc

kholn t[ong ttuoog tidn

Tidn vd cdc khoan [rong duong ti]n bao g6m ti6n mar, vang, d6 quy, ridn gii rhanh toan tai
NHNN, tin phi6u Chinh phi vd c6c gi6y td c6 giri ngin h4n dri itidu kiQn chiiit kh6u vdi
NHNN, c6c
kloin tiAn gii thanh todn ve tian gii, cho vay tai cdc d chuc rin dung kh6c c6 thdi han deo
han
kh6ng qud 3 rhAng kd ri, ngdy grii.

12.

Cdc cdng cU

Cdc c6ng cu

tii

chtnh phii sinh

ai chinh

phdi sinh dugc ghi nhan F€n bang can d6i k6 to6n
theo gi6 rri hqp ddng
vao ngay giao dich, vd sau d6 duoc iiinh gi6
lai theo gid rri hqp Iy. Loi nhudn hoec ld khi cac c6ng
cu Gi chinh phei sinh dugc th[c hifn duoc ghi nh6n trong
bdo crio k6t qua hoat dong kinh doanh.
Loi nhuan holc 16 chua rhgc hien duoc ghi nhen vdo khoan
muc chenh l€ch

ddnh gia lai cdc c6ng
-hoat
cu Ai chinh phii sinh tr€n bang can O5i k6 toan vd
duqc kdt chuy€n vdo kdr qui
dQng kinh
doanh vdo thdididm cu5i ntrm.

13. chi hhan rhu nh6p/ chi phi tai
Ngan heng ghi nhen rhu nhep tt, tai vla chi phi
lai h€n bdo crio kiit qud hoar dQng kinh doanh

tren co sodg thu, du chi.

I4. chi

nhan rhu nhAp tri pht

vt

hoa hdtrg dich

v1;


as"r-rJ
Ngen hlng TMCP StiGdn

Ngen hAng thu phi

tt

-Ht

Noi

c6c dich vu cung cdp cho kh6ch hang. Thu nhap tri phl c6 th6 chia thanh

cdc nh6m sau:

.

Phl thu

ti

vi1c cung cip dlch vat trung m1t thdi gion nhdt

dink Phi th]u ti

v\ec

cung c6p dich vg trong mot thdi gian nh6t dinh dugc dg thu rrong su6t thdi gian d6. Phl nay

bao g6m phi qudn Iy, phi nhan
quen ly

.

Ai

sdn, pht quan

Phl thu

ti

viCc

lj

iy

thdc, hoa h6ng vd c6c phi li€n quan d6n c6p ttn dUng,

danh muc vd c6c chi phl quan l)i cing nhu phl tu

cuig

vrn kidc.

cdp dich vt! gioo dicr.. Phi phat sinh tir viec dam phAn vd tham

thi

vi dp nhu din x6p viQc mua cd phin hotrc
cec loai chung kioan kh6c ho{c mua lai doanh nghigp, ilugc ghi nhAn khi hoAn rdt giao
dich liCn quan. Phi hodc mQt phin cta khoan phi ndy c6 li€n quan ddn vi€c thyc hiCn mQt
gia dam phdn c6c giao dich cho mot bCn

ba,

c6ng viec nh6t dinh se duqc ghi nhan khi hoen t6t didu kiQn ttrong rimg.


PSJD
Ng0n hang TMCP
15.

Sti Gdn- Ht Noi

Tian mIt, veDg b9c, ild quy

31t03t2016

3l^2t20t5

I fteu aong

Ti6n m{t bing

M{D

Tiin mdt bing ngoaitQ
Kim loeiquY, d6 quY

640.445

l.s8E.869

)77.426

30E.074

20.917
1.025.106

1.9t7.860

16. Ti6n gi.i tgi Ngin hlng Nhl nufc
3U03n016

3yl2n0l5

dong

lr4u.tong

2.26t.922

4.362.5tE

2.261.922

4J62.51t

I rtqu

Iian gti thanh todn rai Ngen hang Nha nudc
TiAn gniphong tda (n6u c6)
I ren

gur khac

17. Ti6n, ving gii tgi cic t6

TiAn, vdng

chri'c

tin d{trg kidc vi cho vay cfc TCTD kh{c

g*i khirrg *, hga

3lto[n0t6

3Ut2D0t5

9.194.560

6.568.619

-

Bing M\JD

1.799.683

4.904.093

-

Bing ngoai tp, vdng

t.394.817

t.664.526

14.10t.171

t9.361.227

M\lD

7.905,|]t

t5.40s.t31

- BAng ngogi rQ, vdng

6.203.339

3.962.090

1.993.500

3.853.000

t.991.500

1.E63.000

(s.r34

(s.137)

25.291.4@

29.793.109

Tiin, edry gAi cd *j hg,t
- BAng

Cho vay
- Bing VI\ID
- Bing ngoai tC, vang

Dg phdtrg rti ro ti6n
TCTD kh:ic

gii

vA cho vay cdc


PISHD
Ng6n

hins TMCPsii Gdn- Hn Noi

18.

Cdc c6ng cg

tli

chiDh phdi sinh vd cdc

tti stn tli

Ting Bid

tricio

cblnh kh6c

hop

d.;ng lheo ri gid ngay
htqu tqt hgp .tong)
(rri4u dind

T?i ngny 3t thdtrg 03 n5m 2016
COng c( TC phdi sinh iln G
Giao dich ki hqn tidn tC
Giao dich ho6n d6i

k,

Giao

ki

TAi sdn

han

Cong nq

37. r83

6.169.357

hen

ain{

36710

871.334

tiln te
dich hodn d6i k, han

19. Cho vay

@ieu

7,010.691

Tqi trgiy 3l thrng 12 nlm 2015
LO0E Cg lL pnot suh tei tg
Giao dich

ni shi s6 k,i todn
ti gid tqi ngay ldp b6o qto)

T6ng Eid

(theo

443

s.726901

100.01I

1.t70.2t4

91.983

4.556.69t

8.O29

kh{ch hlng
31103t20t6

Cho vay ciic t6 chuc kinh

16,

cd nhdn trong

nudc

Cho ray chi€t kh6u rhuong phi€u vA c6c
giay td c6 gi6

Triqu Aing

3Ur2t20t5
Tniu ding

t36.632.491

t30.402.193

9.813

6.823

35.993

35.933

784.280

784.280

Cho thue tdichinh
C5c khoaLn rrd thay khdch hang

Cho vay bing v6n trdi trg tir cdc TCTC Qu6c
t€

( wB, JrcA...)

Cho vay d6i vdi c6c t6 chuc, cd nhan nu6c
ngoAi

Cho vay khec

No cho vay duoc kioanh vd no chd xu

lj

C6c khod,n phei thu giao dich ch[,ng k]oan
cua cdng ty CP Ch[hg khoan SHB

137.462.57E

t31.229.470

t84.396

197.164

137.646.974

131.421.193


1'SHB
Ngen hlne TMCP

SliGdn - Ht Noi

19.1. Phetr fich chdr luqng ugcho

v{y
3r/03/20t6

3llt2n0l5

t32.277.545

t27 .240.435

2.755.341

L924.083

Nq dudi tieu chuin

362.050

t8t.863

Nq nghi ngd

77

4.576

798.176

1.417.461

t.282.636

.646.914

t31.427.193

Ng du ticu chuAn
No cdn chrl

j

No c6 klri ntrng m6t v6n
Cac khoan no chd xu ly - Vinashin

131

Ti

lC

nq

3l/03/2016
Ty lC ns qu, han
ry rl ngxau

3.90%
t.90%

3l

fi2n|t5
1.19%
1.12%

Hp."r_IH
Ngrn hlng TMCP
19.2. PhAn tfch

SniGdn HiNoi

du nq theo thdi gian
31t03t2016

3Ul2n0t5

No ngin han

58.63 t.6E5

56.09't.040

Ng trunS hen

34.127.958

35.346.301

Nq dei h?n

44.887 .33 |

39.9t3.E52

137.646.914

13t.427.193

19.3.

Phitr tich du trq cho vry theo d5i tuqDg khich hlng vn loei hinh doanh trghiep
3u03D016

3!t2n|ls

6.1t5.696

ding
5.8s5.667

4,46vo

r71.6E8

1,'74%

TriPu

C6ng ty Nha nudc

C6ng ty TNHH Nhe

nuic

t 1.670.s57

4,49%
E,4E

/.

I0.

26.459.450

C6ng ry TNHH khdc

24.549.5t8

17,84%

C6ng ty cd phin viin Nhri nu6c

) t.671.416

8,480/"

C6ng ty c6 phin khdc

56.742.952

41,22%

2.812

0,00%

1.tE5.063

0,86%

123.356

0,090/.

41.095

0,03%

976
3.122
.263 .6E7
'78.4|
42.875

21.103.2t2

t6,18%

23.230.822

2.tE6.902

1,59%

184.396

0,t3%

137.646.974

100,00%

C6ng ty hqp danh
Doanh nghiep tu nhen
Doanh nghipp c6 viin diu tu nu6c
Hqp t6c xa va lien hiep hqp rdc xa
H6 kinh doanh, ce nhan
Thenh phen kinh rii khec
Cdc khoan phei thu giao dich ch0ng
khodn cia C6ng ty CP chrmg khodn
SHB

10.99r.2r8
s1.3)9

t

"/o

20,t3%
8,360/.

39,04%
0,00%

0,96%

0,M%
0,03%
t7,680/o

I

1,38%

197.764

0,15%

1.812.5

r

131.427.193

100,00%

l0


HSHP
NgBn

hlngTMCP SniC0" - Ht Noi

19.4. PhAD tlch

du rq cho vay thco ngAnh kirh t6

3u03nofi
NOng nghiep

vi

lam nghiep va lhiry

3ul2t20t5
Trifu ding

"/"

26.984.705

20.53%

29.383.838

2t,350/.

1.844.9t2

5,100/.

c6ng nghiep chii bi6n, chi! ho
Sin xudt va phan ph5i diCn, kni d6r,
nudc n6ne. hoi nudc va diau hda
Cung c6p nuoc; ho4t dong quan li ve
xri lY rdc $ei, nudc thei

20.62E.77 |

t4,99%

20.032.465

1s,240/"

6.616.9E2

4,Etyo

6.233.180

4.74%

tot.'72'l

0,08%

Xay d\rng

19.912.313

14,470/o

19.309.760

t4,690/o

Bdn bu6n va b6n 16; sia chila 6 t6, m6
t6, xe m6y vA xe c6 dong cskhdc

20.804.027

15,|%

20.587.t47

t5,67%

3.42t.340

2,49%

3.406.075

2,59%

946.785

0,69%

931.310

0,7 to/.

92.442

0,070/.

tt2.64t

0,09%

r.087.154

0,79%

64 t .715

0,490/.

9.3t9.07

7

6,710/o

9.i15.326

7,09%

338.055

0,25%

351.226

0,2t%

Ho?r dong hdnh chinh vd dich v9 h6

t.532.772

t,|%

Hoel dong cua Ddng CQng sin, t6
chric chinh rri - x, h6i ollin ln nhi

25.0E1

0,020/.

Gido duc vA deo tao

45.680

0,03%

Y t6 ve hoet dong trq gi[p xa hoi

74.845

0,05%

257.400

0,19%

14.988.369

t0,E9%

2',t.007

0,02%

27.829

0,020/0

1t4.396

0,t30/o

197.764

0,t5%

Khai khoang

VAn tei kho bei

Djch vp luu tni vd dn uiing
Th6ng tin vA truyan th6ng
Hoet dong tdi chinh, ngan hang va bao
hidm
Hoat dong kinh doanh bdt dOnB san

Hoat dong chuyCn m6n, khoa hac va
c6ns nshe

NghC thuat, vul choi va giei

tri

Hoat dong dich ur kh6c
Hoat dong ldm thuC cec c6ng viec
trong crc hO gia dinh, sdn xu6t sin
phim var ch;t va dich vu tu tieu ding
cia h0 gia dinh
Cac khoen phAi thu giao dich chung
khodn cua C6ng ty CP chrmg khoan
T6ng du nq

137.646.914

100.00%

6.534.'.t38

0,08%

109.289

t.473,t91
19.266
44.192
82.t49
201.605
t4.830.420

131.427.19!

4,97%0

|,120/.

0,0t%
0,03%
0,06%

0,t5%

|,28%

r00,00%

ll


IASHE

Ngen

hlngTMCP Sli Gdn- Hn Noi

20,DV phdtrg

rii

ro tln dTrg
Dg phdtrg chutrg
I

Ki

DU phdng cg th6

frcu clong

ndv (31/03,/20161

56 du

diu

kY

Du phdng mi ro trich lap/hodn nhap trong ky
Dl,, phdng gidm do xrr

948.355

473.031

4.797

93.492

7

ly c6c khoan no kh6 lhu hdi

(448)

bing ngudn dg phdng
Du phdng giam do trich Leo thanh cdng ty con

ri gie
s6 du cu6i ki

t9

Chenh lech

1.023.152

Ki tnt,c 6l/12/2015)
s6 du dAu ky
DU phdng rui ro trich l6-p trong ky/ (Hodn nhap d{
phdng trong ki,)
Du phdng giam do ru l;f cdc khoan ng Lh6 thu hdi

Dang nguon ou pnong
Ch6nh lech

ry sid

s6 au cu6i

ty

936.111

I

l1.l3l

I I .220

619.612

t0t8

(3t7.712)

473.031

t2


UP"HP
NgAn hdng TMCP Sti Gdn

21.

-

Hn Noi

ChfTg kho6n dau tu sin slng d6 bdn

Chtng hhodt

N(

Chhg kio6n Chinh pht
Chung khoen Ng do c6c TCTD khac trong nudc
ph6t hanh

Chung kho6n Ng do cric TCKT trong nuoc phet
hanh

3l/03120t 6

3Ut2n0t5

8.947.936

7.431.770

3.416.999

3.972.390

l,t48.',|57

t31.064

4.382.180

3.556.7s0

I3

48.1t3

I 1.689

11.689

36.424

36.424

(18.013)

(37.629)

8.948.036

1.442.253

3lt03Dot6

3yt2n0l5

Chtng kiodn Ng nu6c ngodi

Chtng khodn Ydn
Chrng kloen V5n do cdc TCTD

1E.t
k-hdc

trong nuoc

phet hanh

Chnng khodn V5n do cdc TCKT trong nudc ph6t
henh

D{ phbng eidm gid chirng khodn sin sing di
bdn

22. Chrimg

kho{n tliu tu giii d6n ngiy itdo han

I fteu oonq

Chung kho6n Chinh

phi

782.766

Chung kiodn Nq do c6c TCTD kh6c trong nudc
phet henh
Chri'ng kho6n No do c6c

TCKT trong nuoc PH

Du phdng gidm gi6 chrrng khoiin dlu tu gin d6n
ngay deo han

2.806.642

999.869
E.034.233

7.068.146

(5 r4.835)

(390)

9.302.0J3

9.874398

l3

HSHE
Ngeo hAng TMCP

23. c6pv6n,

StiGdn - HA N0i

dAu

tudii

hgn

3U03n016

3llt2D0t5

298.843

3t3.391

(9.989)

(9.988)

288.855

303.409

Dlu tu vao c6ng ty con
Cdc khoen dAu tu veo c6ng
Cdc khotur

ty li€n doanh

diu tu vao c6ng ty li€n kiit

Cdc k}oam dau tu dai h?n kh6c

D[

phdng giam gie

diu tu ddi

hen

l4


o

F

a9\o

..:6

di

c

I

al

t

P

EE

.=)

I

z

S ir E
i

(J

E

s'$. .E eE s'

U

O', 2

G:

a' :'
,E

F

F

5

gf

gssis5sSsf

j*
"

r

ifgsF5sSi;res


q
Q

Gl:La

F'i.

i

ri

EEBRI
.4 -a

e

G 3i'

:
F

EaS'oi

€

<:

I

.nI

di

t

.1

.t q

!)6:

9a

ri

d:!

'!E

oi

!t{:

.. z!
E>

z

I

I

F

ia

F.
*3 E
E

;

-a

^::

!!

.i E
!:

.EI" I?I

O

ir 'A,2

c.5
aiy

'&=
'.

Y

E€ssiS€E;$SS;r€i
rEq;fiBErq*{#EeE


SSIIB
Cdn-Ht

Ngen hlne TMCP Sdi

25. Tii sin

c5 diDh v6

- Ttrng, gi6m

Noi

hinh

:

rii sin c6 d;nh v6 hirh

ky nay:

Quyln sn dyng PhAn m6m vi tinh Tli sen c6 dinh
v6 htnh khdc
d6t

Khoin m+c

c0ns

NBuyGn gi6

ki

s6 dudAu
56

tlng trong

t83,424

3.629,594

ki

887

- Tdng khdc
56 gi6n trong ki
- Thonh Ii, nhwng bdn
- Gidn khtic
s6 du cu6i ky
hao mOn

3s.sl7

9l I

3.8{9.421

s.489

tJo.129

39
39

6.526

824

7.390

6.526

824

7.390

5.528

137.255

r7.869

t60.652

trng tmng kY
rrongki

- Khiiu hao

-

23

k6

ki

s6 du dAu
56

lui

--------l:6rr-14

3.84t.511
9

8E7

- Muo rrong bj,

Gi, (ri

35.493

r7.045

153.263

TdnE khdc

giim trong kY
- Thohh li, nhra gbdn
56

- Gidh khdc

s6 ducuSi

ki

Gi, tricdn l9i
Tqi ngly dlu k!

3.624.105

52.694

1E.448

3.695.248

ki

3.624,061

47.0ss

17.64E

3.6E&769

T9i ngny cu6i
- Ttrng,

gien tli sin cd Olntr

Khoin muc

gi,
dudAu nlm

26_296

vA

tinh ky trmtc
Q'Yan

t&d{g

:

Phan

,6r

ri

tfnh

TAi s6n c6 dinh

v6 hlnh khrc

c0ng

Nguycn
s5

s5 aucu6l nlm
Gi6 trihao mdn luy k6
Sd au aAu

nlm

- Khiiu hao trong ndnt

s6 ducu5i

nrm

Ci, tricdn lei
Tti ngAy dAu ntn

Tai ngAy cu6i ntrm

3-629-594

179.022

35.493

1.402

3.t44.109
4.402

3.629.591

l&!.42{

3.848.5ll

5.3t2

103.3,13

27.iE6

13.590
3.455

122.265

t57
5.489

130.129

11.045

153.263

3.624.262
3.624.105

15.619

2r.m3

3.121.U4

s2.695

J0.998

---lE.44E--------le-s.t{-d

t7


A'SHB
NgAn hnng TMCP

26.

Sti Gdn - Hn Noi

Tli sttr C6 kh{c
31103t20t6

3ut2t20t5
lrteu clong

Cdc kloan lai, phi phdi thu

8.993.856

t.872.t26

C6c khoAn phei thu

1.668.083

1.950.66E

Du phdng rui ro cho c6c

tii

sen C6 khAc

Tai san C6 khdc

27. Ti6n,
-

Titn,

virng

vAng

grii vl vay

(7O.6t2)

(70.s92)

5.162.5a4

6.124.t8s

16J53.&r

16.876.5t7

cdc t6 chi,c titr drrtrg l(hdc

gt'i cta c6c t6 ch['c lin dqng khdc
31t0312016

31fi2n015
I nCu dong

TiAn, vdng

gd

khAng

*j

hgn

- Bing M'.lD

7.603.933

4rE8J?1

1.548.846

4.832.380

55.087

55.791

- Bing vAng vA ngoai 19

TiAn, vtnng

gii

cti

kj hqn

- Bing VND
-

Bing vdng vd ngoai

tQ

I OOg

13.041.251

19.431,577

7.580.000

t4.850.000

5.464.251

4.581.577

20.648.181

24319.7 48

31t03t2016

3U12D015

- Tian, vitrg vay cdc t6 chfa tin d{ng khdc

t rtgu

- Bang

VND

- irang vang vii ngo?i te
r

dong

3.807.278

3.8

.040

7.027

14.995

3.Er4.305

3.826.03s

ong

T6ng ri6n, ving grii vri vay
cdc t6 ch[,c tln
duDg khdc

TriQu ddng

24.462.489

28.r45.783

I8