Báo cáo tài chính hợp nhất quý 2 năm 2019 - Ngân hàng Thương mại Cổ phần Sài Gòn - Hà Nội

Bao cao tai chinh hop 'that
Quy II nam 2019

SHB
,n1r..nres

NGAN HANG THIXONG MAI CO PHAN SAI GON - HA NQI

Mu so: Q-Ola

77 Trail Hung Dao - Quan Hoan Klein - Ha NOi
Fax: 04.39410942
Tel: 04.39423388

TD - BANG CAN DOI ICE TOAN ,
Chi tieu

Dan vi linh: Trieu dog

SO cuOi

Mi chi tieu Thuyei.

SO au nam

kj,

A. TAI SAN

I

Tien mat, yang bac, di quy

II

Tien gut tai NHNN

III Tien, rang girl tai cac TCTD khac vi cho vay cac TCTD khac

110

15

1,844,678

1,884,822

120

16

6,811,025

4.328,739

130

17

23,187,104

29,300,327

23,187,104

29,300,327

1

Tien, yang giri tai cac TCTD khac

131

2

Cho vay cac TCTD khac

132

3

Du phong rill ro den girl va Pen vay cac TCTD khac

139

IV Chirng khoan kinh doanh

140

23

608

655

3,889

Chirng khoan kinh doanh

141

3,889

I

2

Du phong giam gift chimg khoan kinh doanh

149

(3,281)

V Cac cling cu tai chinh phai sinh vi cac tai sin tai chinh khac
VI Cho vay khach hang

150

18

160

I

Cho vay khach hang

161

19

2

Dv phong nil ro cho vay khach hang

169

20

VII Chung khoin dau

170

(3,234)

101,182

58,228

236,770,194

213,986,652

240,006,481

216,988,881

(3,236,287)

(3,002,229)

44,379,638

48,026,9

171

21

22,212,117

25,193

Chung khoan dau to san sang de ban

24,76

Ching khoan
22

24,122,393

2

172

(1,954,872)

3

179

(1,92

Dv phong giam gia chimg khoan din to

I

VIII Gop von, daau to dal han

210

Dal] to vao ding ty con

2

Von gop lien doanh

212

3

Dau to vao tong ty lien ket

213

4

flan ar (Jai Iran khac

214

5

D4 phong giam gia dan to dai han

219

CO dinh

220

1

Tai sail ce dint' Mtn hinh

221

a

Nguyen gia TSCD hiiu hinh

222

b

Hao mon TSCD hau hinh

223

2

Tai sin co dinh thug tai chinh

224

a

Nguyen gia TSCD

b Hao mon TSCD

227

a

Nguyen gibTSCD vo hinh

228

b

Hao mon TSCD vo hinh

229

Nguyen gia BDSDT

b

Hao men BDSDT

XI Tai sin CO khac
I Cac khoan phai thu

19 170

193,750

201,750

SAI GON

(5,057)

25

(5,983)

4,795,880

4,792,434

486,148

485,674

1,167,523

1,140,635

(681,375)

(654,961)

26
1
1
i

4,309,732

4,306,760

4,569,230

4,544,660

(259,498)

(237,900)

240

241
242
250

27

23,835,217

20,701,459

251

10,454,579

7,980,896

9,790,589

9,117,746

4,388,588
(798,539)

4,256,033
(653,216)

2

Cac khoan lai, phi phai thu

252

3

Tai sin thug TNDN Wan lai

253

4
5

Tai sin CO khac
Cac khoan du phOng rOi ro cho cac tai san CO not bang Ilk

254
259

TONG TAI SAN CO

188,693

226

Tai san co dinh v8 hinh

a

THaINGW.11
)

225

3

X Bit il(ing sin dau to

NGAN

211

I

IX Tai sin

24

027

300

341,914,219

323,276,008


Ma

Chi tien

chi lieu Thuyet

SO au Om

SO cuOi kj,

P NO PHA1 TRA VA VON CHU SO HULI
Cac khoin no Chinh phii va NHNN

310

II

Tien pH va vay cua cac TCTD khic

320

1

Tien gin cua cac TCTD khac
Vay cac TCTD khac

2

2,782,863

12,211,237

43,748,809

44,933,789

321

25,173,208

31,352,183

322

18,575,601

13,581,606

244,466,343

225,224,141

28

29

HI Tien girl cua khich hang
IV Cie cong cu tai chinh phai sinh va cac Ithoin no tai chinh khic

330

V6n tai fro, uy [bac clan tu, cho vay ma TCTD phai chin rdi ro

350

30

1,782,903

1,473,711

360

31

24,195,506

16,721,736

370

32

7,310,628

6,378,862

6,759,761

5,294,909

550,867

1,083,953

324,287,052

306,943,476

17,627,167

16,332,532

V

VI PhAt hanh

giAy to. c6 gil

VII Cat khoin No khac

340

1

Cac khoan Ili, phi phai tra

371

2

Thue TNDN hoan lai phai tra

372

3

Cac khoan phai tra VI cong no khac

373

4

Do phOng rdi ro khac

379

TOng No phai tra

400
500

VIII Vim va cac quy

33

V6n cua TCTD

410

12,132,617

12,132,617

I
a

Van dieu le

411

12,036,161

12,036,161

b

Van ddu lu XDCB

412

c

Thang du van co ph an

413

101,716

101,716

d

Co phieu quj,

414

e

Co phieu uu cl5i

415

g

Von khac

416

2

Qu9 ctia TCTD

420

3

Chard] lech t gia h6i doll

430

4

Chenh Lech danh gia lai tai san

440

5

Loi nhuan chua phan ph6i

450

1,520,255

TONG NO' PHAI TRA VA VON CHU SO Hilt

:91)
(51
ojo
3,974,295

341,914,219

800

an

vay von

2 Cam ket trong nghiep vu L/C
3 B5o lank khac

NG

323,216*

Ke Toan Trithn

63,
1

910

71,489,218

911

132,369

912

24,202,465

14,117,545

913

47,154,384

49,465,228

ay
Lk) bieu

2,73 8

HA NOI
•

CAC CHI TIEU NGO)1 BANG

1 Bao lanh

1,467,001

700

VIII Loi ich cna c0 (long thiets so

I Nghia vg ng Hem

(5,260)

(5,260)

Pho

NGAN HANG

thing nam 2019
g Giam 136c

THUdNG 416
Skid •
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Thanh Phwong

Nga Thj Van

NO Thu Ha

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Bio cao [Ai chinh
hop nhit
Quy II nam 2019
MAu stn Q-03a

SHB

Solid partners, flexible solutions

NGAN HANG TMCP SAIGON - HA NQI
77 Tran Hung Dao - Quan Hoan Kim - Ha NO1
Fax: 04.39410942
Tel: 04.39423388

TD - SAO CAO LUU CHUYEN TIEN TE - PPTT - QUY
DVT. Tneu ddng
MA chi Luytir clAu nam den cool Quj, II
Chi tieu
I

Beg

Nam 2019

Nam 2018

LIA1 CHUYEN TIEN Tir HOAT DQNG KINH DOANH
01

12,780,061

8,357,746

2 Chi phi lai va cac chi phi ttrcmg tu di tra

02

(8,210,745)

(6,813,782)

3 Thu nhap tir boat Ong dich vu nhan duoc

03

224,020

77,895

Chdnh ldch so tien thjc thu/thgc chi tir hoat Ong kinh doanh chimg khoan, 04
yang bac, ngoai to

(428,087)

251,030

05

53,904

12,038

06

24,954

19,982

07

(1,593,190)

(1,175,131)

08
8 Tidn thud thu nhap thgc nap trong ky (*)
Luu chuyen tien thuim tir boat dgng kinh doanh [runt nhirng thay did 09
ve tai sin vi von Iuv dOng
AI:ring (hay doi vd tai san hogt d'gng

(306,326)

(222,301)

2,544,591

507,477

1 Thu nhap lai va cac khoan thu nhap tuang tu nhan dtrge

4

5 Thu nhap khac
6

Tien thu cac khoan no, da duoc

xoa, bit dap bang ngu6n dg phong nit

TO

7 Tian chi tra cho nhan vier) vi hoat dang (man

ding vu (*)

9 (Tang)/Giam cac khoan tien, yang gui vi cho vay cac TCTD khac

10

547,457

4,654,006

10 (Tang)/Giam cac kboan ve kinh doanh cluing khoan

11

3,619,635

(4,860,243)

11 (Tang)/Giam cac tong cu tai chinh phai sinh vi cac tai san tai chinh khac

12

(42,954)

134,896

12 (Tang)/Giam cac khoan cho vay lchach hang

13

(23,017,600)

(9,245,482)

13 (Tang)/Giam ngu6n du ph6ng de bir dap ton that cac khoan (tin dung, 14
chimg khoan, din tu dai han)

(102,182)

(16,488)

15

(2,494,914)

2,857,590

16

(9,428,374)

143,076

14 (Tang)/Giam khac ve tii san hoat Hang
tong na hogt d'Ong
Nhang thay
15 Tang/(Giam) cac Liman no Chinh phu va NHNN
16 Tang/(Giam) cac khoin tien girl, tien vay cac TCTD

17

(1,184,979)

(12,070,708)

17 Tang/(Giam) tien gin cua khach hang (bao gam ca KBNN)

18

19,242,201

24,695,703

19

7,473,770

2,195,471

20

309,192

256,993

18

Tang/(Giarn) Oat hanh giAy ecr có gia (ngoai trir giay
dugc tinh vao hoat diing tai chinh)

co gia phat hank

19 Tang/(Giam) von tai trg, us, that dau tu, cho vay ma TCTD chiu rai ro
20

Tang/(Giam) cac cling cu tai chink phai sinh va cac khoan no tai chinh
21
khic

177,904

24

(3,054,963)

9,472,604

25

(78,994)

(84,210)

22

22 Chi tir cac quji cua TCTD (*)

23

Ltru chuyen tien thuAn tir hoat Ong kinh doanh

NGAN H
TRIONG MAI

SAI GoN.1

42,409
(520,806)

21 Tang/(Giam) khac vd ding no boat dgng

0027E

H LU1J CHUYEN TIEN It- HOAT HONG DAU TU
1 Mua satn tai san co dinh
2 Tidn thu tir thanh 13"/, nhuong ban TSCD

26

1,285

421

3 Tien chi tir thanh 1Y, nhtrong ban TSCD (*)

27

(118)

(185)

4 Mua sam bat clang san dau tu (*)

28

5 Tien thu tir ban, thanh ly bat dOng san dau tv

29

6 Tien chi ra do ban, thanh 1Y bat ding san clan tu (*)

30

1


L l yke tic dau aim den cu6i QuY II

MA chi
ben!

Nam 2018

Nam 2019

7 Tien chi dau tu, gOp von vao ac don vi khac

31

8 Tien thu dau tir, gop von vao ac don vi khic

32

8,000

33

1,250

14,806

34

(68,577)

(69,168)

(85)

(457)

41

(85)

(457)

IV Ltru chuyen tien thuan trong ky

42

(3,123,625)

9,402,979

V Tien va cac khoan tuong throng tien tai [Uri diem dau kY

43

34,966,431

36,591,834

VI Dieu chinh anh huong cria thay dai ty gia

44

31,842,806

45,994,813

9

Tien thu c6 tire va 1ui nhuan dugc chia cac khoan
han

Or, g6p von dai

Ltru chuyen tin thuAn tir hoat ding clAtt
111 ',try CHUVEN TIEN T11 HOAT HONG TAI CHINH

35

1 Tang von dieu 1¢

2 Tien thu tit phat hanh giay to co gia dai han co du ditu kitn tinh vac von tg 36
co va cac khoan von vay (Jai ban khac
dieu kin tinh vao von ttr
han

Tien chi thanh tan giay to c6 gia
' 37
3
co VI ac khan von vay dai han khac
38
4 Co tirc tra cho co Ong, lai &man SA" chia (*)
39
40

5 Tien chi ra rnua co phieu ngan qu9 (*)
6 Tien thu dtruc do ban c6 phieu ngan qu9
Luu chuyen tien thuan tir boat long tai chinh

VII Tien va cac khoan tunng throng tien tai thoi diem

cuni ky

0

45

'30
ththng nam 2019

630
Lap bieu

Ke toin [mon

,

Phd T.Gia

Ii

NGAN HANG
THUONG MAI Co'PHA

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Do Thank Phuong

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'Vat Ye'


THUYET MINH BAO CAO
TAI CHiNH HqP NHAT
Cho giai cloan tir ngay 01 thang 01 nam 2019
Glen ngay 30 thcing 06 nam 2019


SHB
Ngan hang TMCP Sai Gen — HA NO

THUYET MINH BAO CAO TAI CHINH HOP NHAT
QUY II NAM 2019
1. Thong tin vO ngan hang
Giay phep
dOng

host 0041-NH/GP ngdy 13 thang 11 nam 1993
Giay phep hoat clang do Ngan hang Nha nixac Viet Nam cap
Thai han hoat dang cua Ngan hang la 40 nam ke tir ngdy cap giay phep
(tau tien.

Hoi ding Quin tri
Ong Do Quang Hien
Ong VO Dix Tien
Ong NguyL Van Le

Chit tich
Pho chit tich
Thanh vien

Tai bo nhiem ngay 27 thang 04 nam 2017
Tai bo nhiem ngdy 27 thang 04 nam 2017
Tai bo nhiem ngdy 27 thang 04 nam 2017

Ong Da Quang Huy

Thanh vien

Tai bo nhiem ngay 27 Mang 04 nam 2017

Ong Thai Quac Minh

Thanh vien

Ba nhiem ngay 27 Mang 04 nam 2017

Ong Pham Cong Doan
Ong Trinh Thanh Hai
Ban kiem suit

Thanh vien
Thanh vien clac lap

Ba nhiem ngay 27 thang 04 nam 2017
Bo nhiem ngay 23 thang 04 nam 2018

Ong Pham Haa Binh

Thanh vien

Tai ba nhiena ngay 27 thang 04 nam 2017

Ong NguyL Huu Dim
BA Nguygn Thi Hoat

Thanh vien
Thanh vien

Tai bo nhiem ngay 27 Mang 04 nam 2017
Tai b6 nhiein ngay 27 thang 04 nam 2017

Ba Thanh Cam

Thanh vien

Ba nhiem 4ay 27 thang 04 nam 2017

BA Pham Thi Bich Hang

Thanh vien

Bo nhiem ngay 27 thang 04 nam 2017

Ban tang Giam d6c va KO than trirtrng
Ong Nguygn Van Le
Ong Le Dang Khoa
Ong NguyL Huy Tai

Tang Giam dac
Ph6 Tang Giam clac
Pho Tong Giam dac

Tai bo nhiem ngay 21 thang 5 nam 2014
Ba nhiem ngay 10 thang 4 nam 2009
Ba nhiem ngdy 18 thang 02 nam 2013

BA NO Thu Ha
Ba Ninh Thi Lan Phtrang

Pho Tong Giam dac
Pho Tang Giam dac

Bo nhiem ngay 15 thang 3 nam 2011
Ba nhiem ngay 08 thang 06 nam 2012

Ba Mng T6 Loan
Ph6 Tang Giam dac
Ba nhiem ngay 9 thang 10 nam 2012
Ba Hoang Thi Mai Thao
Ph6 Tang Giam dac

Ba nhiem ngay 15 thang 01 nam 2019
BA Ngo Thi Van
Ke man truing
Ba nhiem ngay 11 thang 11 nam 2014
Try s& chinh
So 77 - Tran Hung Dao - Q.Hoan Kiem - TP.Ha Ni
a - Viet Nam

1


SHB
Ngin hang TMCP Sai Goan - Ha Ni
2. Dic diem hoat ding ctia to chut tin dung
Ngan hang Thtrong mai CO phan Sai GOn - Ha NOi (cued day gOi tat la "Ngan hang") la mot
ngan hang thuong mai c6 phAn Viet Nam thanh lap tai nu& COng h6a Xa hOi Chit nghla Viet
Nam vai thei gian hoat Ong la 40 nam theo 0041-NH/GP ngay 13 thang 11 nam 1993 cita Ngan
hang Nha nu& Viet Nam.V6n di'eu caa Ngan hang tai ngdy 30/06/2019 la 12.036.161- trieu
Ong (Muni hai nghin khong train ba muoi sau ty mot tram sau mot trieu Ong).
HOi sa chinh cua Ngan hang dat tai S6 77 - TrAn Hung Da() - Q.H4n Kiem - Ha NOi - Vi& Nam.
Tai ngay 30/06/2019, Ngan hang c6 7.522 nhan vien, tai 31/12/2018 Ngan hang c6 7.546 nhan
vi en.
3. Tom tat cac chinh sach ke toan chti yeu
Chuin intyc va the ke than ap dung
Ngan hang trinh bay cac bao cao tai chinh theo Luat cac T6 chirc Tin dung, Luat sira Oi va bO
sung mot s6 dieu trong Luat cac T6 chirc Tin dung, cac chuan mut ice toan Viet Nam va He th6ng
Ke toan cac to chirc tin dung Viet Nam.
Ky bao cao va do'n vi Hen q
KS7 bao cao cua Ngan hang bat &au tir ngdy 01/01/2019 va ket thiic vao ngay 30/06/2019. Don
vi tien te sir dung trong ghi claep Ice toan la ding Viet Nam (VND). Tuy nhien, theo quy dinh tai

Thong to 49/2014/TT-NHNN ngdy 31/1 2/2014 caa Ngan hang Nha mk, cac s6 lieu ten Bao cao
tai chinh duac lam tron den hang trieu Ira trinh bay theo don vi trieu Ong Viet Nam.
4. Nguyen tic ghi nh4n cac nghilep vu bing ngoai to va quy d4i.
Theo he th6ng ke toan cira Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang ducrc
hach toan theo nguyen te. Tai died diem cu6i nam, tai san va ding na c6 ngu6n g6c ngoai to duoc
quy Oi sang VND theo ty gia quy dinh vao ngay lap bang can d6i ke toan. Cac khoan thu nhap va
chi phi bang ngoai to cua Ngan hang &roc hach toan bang VND theo ty gia vao ngay phat sinh
thong qua giao dich mua ban ngoai te. Chenh Lech ty gia do dank gia lai cac tai khoan kinh doanh
ngoai to &roc hach toan vao bao cao K& qua Hoat Ong Kinh doanh va lqi nhuan de lai. Chenh
lech ty gia phat sinh do quy d6i cac tai san va cong no' khac bang ngoai te sang VND dtrorc xir lY
vao doanh s6 cua cac khoan muc tuung img ten bang can d6i ke toan vao ngay lap bao cao tai
chinh.
5. Chiing khoan din ttr gifr den ngay dio han
Chimg khoan no gift den ngay dao han la cac chUng khoan co ky han c6 dinh va cac khoan
thanh toan co dinh hoac co the xac dinh dtrov va Ban TOng Giam d6c coy dinh va c6 kha nang gift
den ngay dao han. Ngan hang Bang ghi nhan cac chimg khoan nay theo gia g6c cong lai du thu trir
lai ch6 phan bo. Gia tri phu tri hoac chit khau (neu c6) cling (lime phan anh vao gia tri ghi so
cda khoan dau tu. Lai duqc du thu hoac phan bo theo phuong phap throng thang. Chimg khoan


SHB
Ngfin hang TMCP Sai Goa — Ha Ni
6
dugc gift den khi ciao han se dugc xem xet ve kha nang giam gia. Chtmg khoan dugc lap du phOng
giam gia khi gia tri thi trugng nh6 hon gia tri ghi s8. Du phong giain gia dugc ghi nhan vao bao
cao kat qua hoat ciOng kinh doanh.
6. Chang khoin dau ttr san sang ban
Ching khoan clalu tu saU sang de ban la cac chi:mg khoan dugc gift trong theri gian khOng an
dinh truck, c6 the dugc ban de dap irng nhu cau thank khoan hoac de img ph6 voei tru6ng hop thay
dOi lai suat, ti gia, hoac gia tri chimg khoan. Ngan hang clang ghi nhan cac chtmg khoan nay theo

gia gOc cong lai du thu trir lai char phan bo. Gia tri phu tri hoac chiet khau (neu ca) ding dugc
phan anh vao gia tri ghi s6 cua khoan dau tu. Lai dugc du thu hoac phan b6 theo phuong phap
dirOng thang. Cac chirng khoan nay dugc danh gia dinh ky theo gia tri thi truerng va du phOng
giam gia tri se dugc lap khi gia tri thi trugng nho han gia tri ghi so.,Du ph6ng giam gia dugc ghi
nhan vao bao cao kat qua hoat dOng kinh doanh.
7. Chang khoin kinh doanh
Chirng khoan kinh doanh IA chirng khoan ban dau dugc mua va nam gift cho muc dich kinh
doanh trong ngan han hoac neu Ban Tong Giam doc quyet dinh nhu vay. Ngan hang dang ghi
nhan cac chung khoan nay theo gia g6c vao ngay giao dich. Trong cac kY tiep theo, cac chimg
khoan tiep tpc dugc ghi nhan theo gia g6c. Tuy nhien, gia tri thi trueng dia cac chimg khoan van
dugc Ngan hang theo doi de danh gia v'a kha nang giam gia khi gia tri thi tru6ng thap hon gia g6c.
Ngoai trir true:mg hop khong the xac dinh gia tri thi trugng mot each chac chart thi gia tri cda
chi:mg dugc tinh dua ten nguyen gia sau khi trir di ton that tr6c tinh (neu co). Lai hoac 18 tir kinh
doanh chi:mg khoan dugc ghi nhan teen bao cao ket qua boat dOng kinh doanh theo s6 thuan.
8. Cac khoin cho vay va

tru•6c khach hang

Cac khoan cho vay va Ung tnrot khach hang dugc cong bo va trinh bay theo so du ng goc tai
thei diem cu6i ky ke toan.
9. Dty phong rui ro tin dung
Cac khoan cho vay khach hang dugc phan loai theo ThOng tu so 02/2013/TT-NHNN ngay 21
thang 01 nam 2013 va thong tu so 09/2014/TT-NHNN ngay 18 thang 03 nam 2014 ciia Ngan hang
Nha ntrac ve viec phan loai ng, trich lap va sir dung du phong de xir lY rui ro tin dung trong hoat
dOng ngan hang dia to chirc tin dung theo cac miry do rui ro nhu sau: Ng du tieu chuan, Ng can
chii Y, N9' duOi tieu chuan, Ng nghi ng6 va Ng co kha nang mat vein dua vao tinh trang qua han va
cac yeti to dinh hrong khac cua khoan cho vay.
Cac khoan ng dugc phan loai la Ng du6i tieu chuan, Ng nghi ng6 va Ng c6 kha nang mat von
dugc coi la no xau
3

SHB

ners

c

Ngan hang TMCP Sal Gen — HA NOi

- Dir phong cu the
Du phong cu the dugc trich lap tren rin ro tin dung thuan cua cac khoan cho vay theo tY le
tucrng img vbi tong nham nhu sau:
Nhoin

Logi

Ty 1e tltr phong cu the

1

Na du tieu chuan

0%

2

Ng can cho y

$%

3

Na duoi tieu chuan

20%

4

Ng nghi ngo.

50%

5

Na c6 kha rrang mat von

100%

Rui ro tin dung thuan cua cac khoan cho vay khach hang &Nye tinh bang gia trj con tai cua cac
khoan cho vay trir gia trj cita tai san dam bao da &roc chiet khau theo cac tY le theo quy dinh trong
thong tu so 02/2013/TT-NHNN, thong tu so 09/2014/TT-NHNN.
- thy phong chung
Ngan hang thirty hien trich lap va duy tri du phong chung bang 0.75% tong gia trj cac khoan ng
dugc phan loai tir nhom 1 den nh6m 4, trir cac khoan tien giri tai to chuc tin dung trong ntrOc, chi
nhanh ngan hang ntrac ngoai tai Viet Nam theo quy djnh cita phap lu'at, tien giri tai to chirc tin
dung ntrat ngodi va cac khoan cho vay, mua c6 ky han giAy to c6 gia doi vai to chdc tin dung, chi
nhanh ngan hang nuarc ngodi khac tai Viet Nam.
Dix phong rui ro tin dung tai Campuchia, Lao dp dung theo quy dinh hien hanh cua NHNN
Campuchia, Lao trong kY bao cao twang ung.

10. Tai san ce dinh
Tai san co djnh dugc the hien theo nguyen gia trir di khau hao

ke. Nguyen gia bao gem

town bO cac chi phi ma Ngan hang phai bo ra de co dugc tai san co djnh tinh den then diem dua tai
san dO vao trang thai san sang sir dung. Tai san ce djnh clugc tinh khau hao theo phuang phap
dtrOrng thang trir clan nguyen gia tai san trong suet thai gian hint dying uOc tinh nhu sau:
- Nha cira, vat kien trite

25 nam

- May aloe, thiet bj

03 - 05 nam

- Phucmg tien van tai

06 - 10 nam


Ngan hang TMCP Sai Gen — HA Nei

- Thiet bi vanphong

03 - 07 nam

- Tai san ce dinh hint hinh khac

04 — 07 nam

- Phan mem may tinh

03 — 08 nam

Tai san co dinh vo hinh khac

02 - 20 nam

Quyen sir dung dat duet khau hao theo plurcrng phap duong thing phit hop vii Giay chdng
nhan quyen sir dung dat. Quyen sir dung dat vo thai han ducyc ghi nhan theo gia gee va khong tinh
khan hao.
11. Titn va cac Ichoin twang clucrng tien
Tien va cac khoan ttrong duong tien bao gem tien mat, yang, da quy, tien giri thanh toan tai
NHNN, tin phiau Chinh phit va cac giay to c6 gia ngan han du dieu kien chiet khan voi NHNN,
cac khoan tien giri thanh toan va tien giri, cho vay tai cac to chirc tin dung khac c6 thai han dao
han khong qua 3 thing ke tir ngdy giri.
12. Cie cong cu tai chinh phai sinh
Cac cong cu tai chinh phai sinh dtroc ghi nhan tren bang can d6i ke toan theo gia tri hop d'eng
vao ngay giao dich, va sau do &roc danh gia lai theo gia tri hop ly. LOi nhuan hoac 10 khi cac cong
cu tai chinh phai sinh &roc thgc hien &ITN ghi nhan trong bao cao ket qua heat deng kinh doanh.
Lai nhuan hoac 10 chtra thgc hien cluvc ghi nhan vao khoan muc chenh Lech danh gia lai cac cong
cu tai chinh phai sinh tren bang can do'i k'e toan va &roc ket chuyen vao ket qua hog deng kinh
doanh vao thOi diem cuei Wain.
13. Ghi nh4n thu nh4p/ chi phi lai
Ngan hang ghi nhan thu nhap tir lai va chi phi iai tren bao cao kat qua hoat deng kinh doanh
tren co so dg thu, du chi.
14. Ghi nh4n thu nh4p tir phi va hoa hOng dich vu
Ngan hang thu phi tir cac dich vu cung cap cho khach hang. Thu r nhap tir phi c6 the chia thanh

cac nhom sau:
Plzi tlzu tir vi& cung cap dich vu trong mot thiri gi4n nhat dinh: Phi thu tir viec
cung cap dich vu trong met thai gian nhat dinh dupe du thir trong suet thai gian dO. Phi
nay bao gem phi quan IY, phi nhan fly thac, hoa hang va cac phi lien quan den cap tin dung,
quan 1y tai san, phi quan ly danh mite va cac chi phi quan ly ding nhu phi to van khac.


SHB
Ngin hang TMCP Sai Gen — Ha Ni)i
Phi thu tir viec cung cap dich vu giao dich: Phi phat sinh tit viec dam phan va
tham gia dam phan cac giao dich cho mot ben this ba, vi du nhu dan xep viec mua co phan
hoac cac loai chimg khoan ]iliac hoac mua lai doanh nghiep', &roc ghi nhan khi hoan tat
khoan phi nay có lien quan den viec thgc hien
giao dich lien quan. Phi hoac met phan
mot cong viec nhat dinh se dugc ghi nhan khi 'loan tat dieu kien tuong Ung.


SHB
ne:kibe soiation,

Ngan hang TMCP Sai Gon — Ha NOi

15. Tien mat, yang bac, di quy

Tin mat bang VND
Tin mat bang ngoai t''
Kim loai quji, dd quji

30/06/2019

31/12/2018

Trieu clang

Trieu clang

1,153,146

950,382

691,084

934,021

448

419

1,844,678

1,884,822

16. Tien gui tai Ngfin hang Nha nu&

Tin gui thank toan tai Ngan hang NU milk

30/06/2019

31/12/2018

Trieu clang

Trieu ctang

6,811,025

4,328,739

6,811,025

4,328,739

17. Tien, yang girl tai cac to chirc tin clang khac va cho vay cac TCTD khac
30/06/2019

31/12/2018

Trieu clang

Trieu clang

Tiin, yang gfri klzong kj, han

20,352,580

24,708,324

- Bang VND

19,751,318

24,091,166

601,262

617,158

Ti'dn, yang pH no kj, hg,:

2,834,524

4,592,003

- Bang VND

2,000,000

3,348,000

834,524

1,244,003

23,187,104

29,300,327

- Bang ngoai t', yang

- Bang ngoai t', yang

7


SHB

,rne, fiemb,

Ng5n hang TMCP Sai Gen — Ha NOi

18. Cac ding cu tai chinh phai sinh va cac tai san tilt chinh khic
Tang gia tri ghi so k" loan
(theo ty gib tat ngay lap bao cao)
(trieu citing)

Tang gia tri czia hop
ngay
clang (theo
hieu hfc hop clang)
(trieu clang)

Teti san

Gong no

Tai ngay 31 thang 03 nam 2019
Cong cu TC phdi sin!: ten to
Giao Bich ky han tien to
Giao Bich hoan dC')i kji han

17,502,201

101,182

6,620,576

49,046

10,881,625

52,136

16,691,207

58,228

1,034,938

15,625

15,656,269

42,603

Tai ngay 31 thang 12 nam 2018
Cong cu TC phcii sinh ten to
Giao Bich kS, han tien to
Giao Bich hoan d6i ky han

19. Cho vay khach hang

19.1. Phan tich chAt luvng na cho vay

30/06/2019

31/12/2018

Trieu cl"(3ng

Trieu cl"ang

227,484,810

207,091,422

No can chn

5,609,571

4,698,654

No chrai tieu chtfan

1,136,930

339,729

806,565

920,954

4,968,605

3,938,122

24(606,481

216,988,881

No du tieu chu'an

Ng nghi nge.
No có kha n'ang mat von

8


SHB
Ngfin hang TMCP Sai Gen — Ha N(ii

19.2. Phan tich dir ng theo thoi gian
30/06/2019

31/12/2018

Trieu cMng

Trieu cl jug

No ngan han

101,497,328

88,719,288

No trung han

61,163,884

58,634,979

No dai han

77;345,269

69,634,614

240,006,481

216,988,881

19.3. Phan tich dir no cho vay theo doi turfing khach hang va loai hinh doanh nghi0
30/06/2019

31/12/2018

Trieu &jug

Trieu &Mg

Cho vay cac to chtic kinh to

Cong ty nha ntrac

18,154,082

7.56%

18,624,232

8.58%

Cong ty TNHH

41,571,766

17.32%

36,912,609

17.01%

Cong ty c6 phAn co ban 50% von Nha nu&
(Nha nuot chiem co phAn chi pho'i)

16,044,829

6.69%

13,093,719

6.03%

Cong ty c6 phAn

83,288,740

34.70%

88,514,778

40.78%

101,721

0.04%

99,079

0.05%

3,885,119

1.62%

3,614,431

1.67%

414,563

0.17%

462,659

0.21%

51,763

0.02%

49,403

0.02%

74,794,280

31.16%

53,724,350

24.76%

1,699,618

0.71%

1,893,621

0.87%

240,006,481

100.00%

216,988,881

100.00%

Cong ty hop danh
Doanh nghiep to nhan
Doanh nghiep có von dau to nuoc ngodi
Hop tac xd va lien hiep hop tac x'a
Cho vay ca nhan
Ho kinh doanh, ca nhan
Cho vay khac
Thanh phan kinh to khac

9


SHB
Ng5n hang TMCP Sai Con - Ha N(ii

19.4. Phan tich du. nq cho vay theo nganh kinh to
31/12/2018

30/06/2019

Trieu clang

0/0

Trieu clng

%

39,152,865

16.31%

38,463,768

17.73%

4,177,083

1.74%

4,493,748

2.07%

C6ng nghiep the bien, the tao

28,502,803

11.88%

29,957,113

13.81%

San xuat va phan ph6i dien, khi cl6t, nuac
hai ntrac va dieu hOa khong khi

17,642,077

7.35%

15,373,337

7.08%

195,824

0.08%

158,586

0.07%

Xay dung

31,665,835

13.19%

28,795,080

13.27%

Ban buon va ban le; sira chira 6 to, mo to, xe may
va xe CO d6ng co khac

36,600,941

15.25%

36,247,298

16.71%

Van tai kho bai

1,976,041

0.82%

2,416,317

1.11%

Dich vu lu-u tru va an uong

1,465,847

0.61%

1,189,297

0.55%

67,203

0.03%

959,840

0.44%

1,596,160

0.67%

2,517,173

1.16%

19,357,180

8.07%

16,756,345

7.72%

131,294

0.05%

98,736

0.05%

1,076,789

0.45%

951,543

0.44%

31,954

0.01%

28,546

0.01%

779,925

0.32%

723,744

0.33%

74,523

0.03%

72,367

0.03%

278,642

0.1%

282,306

0.13%

49,916,125

20.80%

32,474,365

14.97%

5,317,370

2.22%

5,029,372

2.32%

Nong nghiep va lam nghiep va thily san

Khai khoan2.

Cung cap float; hoat d6ng quan ly va
thai, nuac thai

ly rac

Thong tin va truyen thong
Hoat d6ng tai chinh, ngan hang va bac) hiem
Hoat d6ng kinh doanh bat dicing san
Hoat d6ng chuyen mon, khoa h9c va c6ng nghe
Hoat d6ng hanh chinh va dich vu h6 tra
Hoat Ong cua Dang COng san, to chdc chinh tri xa h6i, quan ly nha nuac, an ninh qu6c, phang;
Ciao chic va ciao tao
Y to va hoat d6ng trg gip xa h6i
Nghe thuat, vui chai va giai tri
Hoat d6ng dich vg khac
Hoat d6ng lam thue cac, cong viec trong cac h6
gia dinh, san xuat san pham vat chat va dich vu to
tieu dUng cua h6 gia Binh
T4ng
no'

240,006,481

100.00%

216,988,881

100.00%

10


Solt

HB

Ngan hang TMCP Sai Gan — Ha Ni

20. Dcy phong rui ro tin dung
Dy• phong chung

Du phong cu the

Trieu clang

Trieu clang

1,492,247
182,360
1,674,607

1,509,982
51,698
1,561,680

Kji nay (30/06/2019)

SO du da'u Irk

Du phong rui ro trich lap/hoan nhap va sir dung trong IcS/
SO du cuOi kj,

21. Ching khoin dau to
21.1. Chting khoan clan

san sang

a ban
30/06/2019

31/12/2018

Trieu dang

Trieu clang

22,178,518

25,159,407

Chung khoan Chinh pha

2,799,802

8,993,786

Chang khoan Ng do cac TCTD khac trong nuo•c Oat hanh

2,929,128

2,182,712

16,449,588

13,982,909

33,599

33,599

796

796

32,803

32,803

22,212,117

25,193,006

(226,494)

(191,073)

21,985,623

25,001,933

Chang klwrin Np.

Chirng khoan Ng do cac TCKT trong nuac phat hanh
Cluing khotin Van

Chung khoan V6n do cac TCTD khac trong nuo•c Oat hanh
Chang khoan VOn do cac TCKT trong mac phat hanh
Gia tri chrrng awln tem tar san sang cd ban
Dir phong gitim giti cluing khoan san sang de' ban

11


SHB
Ng5n hang TMCP Sai Gan — Ha Nal

21.2. Chl'ing khoin dau ttr giir den ngay dio han

30/06/2019

31/12/2018

Trieu dang

Trieu clang

Chung khoan Chinh phu

8,157,295

8,039,210

Chung khoan Ng do cac TCTD khac trong nuck Oat hanh

8,098,301

8,694,237

ClnIng Oman Ng do cac TCKT trong rnrac PH

7,866,797

8,027,692

Giti tri eh erng khoan dau fit giir d'en ngciy dclo

24,122,393

24,761,139

Du ',hong gram gia chdng khodn dau fir giii• den ngay dao han

(1,728,378)

(1,736,147)

22 3949 015

23,024,992

22. Chting khoan kinh doanh

30/06/2019

31/12/2018

Trieu clang

Trieu clang

Chang khodn V"an

3,889

3,889

- Chirng khoan Win do cac TCKT trong nuac pilaf hanh

3,889

3,889

DI" phong gicim gid chirng khocin kinh doanh

(3,281)

(3,234)

608

655

23. GO van, dau fir dai han

Cac khoan

dau to dai han khac

Do. phOng giam gia dau to dai han

30/06/2019

31/12/2018

Trieu ddng

Trieu clang

193,750

201,750

(5,057)

(5,983)

188,693

195,767

12


SHB
Ngfin hang TMCP Sai Gott - Ha Nei
24. Tai san c6 dinh hint hinh
- Tang, giant tai san co dinh Mtn hinh ky nay

Don vi tinh trieu dlJug
Khoan mole

Nha
vat ki'en true

•
May tale, thiet

Pltucrng tier' van tai,
truyen dan

Dung cu quart ly

Tai san co dinh
khae

ging

Nguyen gia
SO dtr dau ky

396,154

383,683

232,312

90,787

37,699

1,140,635

So tang trong ky

33,247

38,781

8,089

94,368

2,378

176,863

- Chenh tech 13i gia
- Mua trong 1g)
- Tang kink

53
13,112
20,082

(130)
38,911

(111)
8,200

(16)
2,549
91,835

2,378

SO giam trong k'

(1,863)

(95,298)

(17,261)

(784)

(34,769)

(1,863)

(1,610)
(93,688)

(3,082)
(14,179)

(784)

(481)
(34,288)

(204)
65,150
111,917
(149,975)
(7,820)
(142,155)

427,538

327,166

223,140

184,371

5,308

1,167,523

110,410

286,314

148,514

83,054

26,669

654,961

S6 tang trong Itj,

43,904

11,262

9,622

63,502

376

128,666

- Chenh tech 0.) gia
- Khju hao trong ky
- Tang khcic

29
15,619
28,256

(71)
11,333

(58)
9,680

(7)
9,713
53,796

376

(107)
46,721
82,052

SO giam trong ky

(1,791)

(68,091)

(12,238)

(784)

(19,348)

(102,252)

- Thanh 45, nhuvng Wm

(1,791)

(2,997)
(65,094)

(3,035)
(9,203)

(784)

(481)
(18,867)

(9,088)
(93,164)

152,523

229,485

145,898

145,772

7,697

681,375

Tai ngay dau ky

285,744

97,369

83,798

7,733

11,030

485,674

TO nay cu6i ky

275,015

97,681

77,242

38,599

2,389

486,148

- Thanh ljt, nhtrong ban
-Giant khac
So du cu6i k)'
Gia tri hao mon luy ke
Se dtr dau ky

- Gicim khcic
So thread ky
Gia tri con lui cola TSCD

-

13


SHB
NOR king TMCP Shi Goa - Ha N(ii

- Tang, giam tai san có dinh halt hinh kji trulk:

Khoin muc

Nha dra,
May mew, thief hi
vat kien trtic

Phtrcrng tin
tat,

ri an Dung cu (pin IS,
truye

Tat san c6 dinh
khac

C6ng

Nguyen gia
SO dtr din nam

363,131

320,296

208,414

92,705

26,885

1,011,431

- Tang trong nam

34,390

12,662

145,854

(2,265)

30,876
(7,092)

3,773

- Thanh 1j), nhtrang ban

64,153
(972)

(5,901)

(1,848)

898

206

114

210

(18,078)
1,428

396,154

383,683

232,312

90,787

37,699

1,140,635

- Chenh lech 0) gia

S6 dv cutoi nam
Gia tri hao mon luSi ke
S6 du dan nam
- Khan hao trong nam
- Thanh 1j), nhtrong ban
- Chenh Lech tf) gia

sO du' cuk nam
Gia till con Ilai dm TSCD
Tai ngay diu nam
Tartigaycuk nam

90,347

250,441

136,584

84,611

24,024

586,007

21,546
(1,906)

36,705

18,754

(971)

4,478
(1,833)

(16,982)

423

139

(6,908)
84

3,662
(5,364)

110,410

286,314

148,514

83,054

26,669

654,961

272,784
285,744

69,855
97,369

71,830
83;798

8,094
7,733

2,861
11,030

425,424
485,674

145

85,145
791

14


.SHB
Ngan hang TMCP Sai Gon — HA Noi
25. Tai san co dinh vo hinh :
- Tang, giam tat san co dinh vo hinh kj, nay:
Don vi tinh trieu clang

Khoan muc
Nguyen gia
S6 chr dill ky
Si; tang trong ky

Quyen sir dung
dit

Phan mem vi
tinh

Tai san co dinh
vo hinh khac

Qng

4,281,049

219,319
41,711

44,292
169

4,544,660
41,880

(90)
13,562
28,239

(114)
283

(204)
13,845
28,239

-Chenh lech t-) gib
- Alva trong Icji
- Tang khac

Si; giam trong ky

(17,310)

(17,310)

- Giam khcic

(17,310)

(17,310)

SO do cuiii ky
Gia tri hao mon luF kt
SO du dau Icy
SO tang trong ky
-Chenh Lech Oi gia
- Kheiu hao trong kJ')
- Tang khcic

4,281,049

261,030

27,151

4,569,230

5,963
78

199,642
35,449

32,295
511

237,900
36,038

78

(90)
10,170

(112)
623

(202)
10,871
25,369

25,369

SO' giam trong ky,

(14,440)

(14,440)

- Gicim khac

(14,440)

(14,440)

SO do cuOi WS,
Gia tri conlai
Tai ngay dau ky
Tai ngay cuOi ky

6,041

235,091

18,366

259,498

4,275,086
4,275,008

19,677
25,939

11,997
8,785

4,306,760
4,309,732

15

S1113
Ngan hang TMCP Sai Got] - Ha NO'i

- Tang, giam tai san di dinh vo hinh ky &irk

Khoin muc

Quyen

Nguyen gia
SO dir din nam
- Tang trongliaM
- Thanh if), nhtrong ban
- Chenh Lech t5 gib
SO du' cu6i nam
Gia tri hao mon WS, ke
Si du. (Ian nam
- Khau hao trong nam
- Thanh ly% nInrong ban
- Chenh lech Oi gia
SO du• cuii nam
Gia tri con Iai
Tai ngay (rail nam
Tai ngay cuoi nam

Dan vi tinh trieu clang
Tai san co dinh
dung
r
qing

Phan mem vi tinh
vo hinh khac
dat

47
44,292

3,738,489
809,760
(3,674)
85
4,544,660

5,963

178,174
23,139
(1,709)
38
199,642

27,617
4,631
47
32,295

211,596
27,928
(1,709)
85

237,900

3,480,996
4,275,086

33,637
19,677

12,260
11,997

3,526,893
4,306,760

3,486,801
795,166
(918)
4,281,049
5,805
158

211,811
10,226
(2,756)
38
219,319

39,877
4,368

11

26. Tai san CO khic
30/06/2019

31/12/2018

Trieu clang

Trieu clang

9,790,589
10,454,579

9,117,746
7,980,896

62,277

289,852

10;392,302

7,691,044

Trong do: Ph& thu ben ngobi lien quan den Mu' tin
dung trci ch4m

8,1686,180

6,089,972

Dv phong rut ro cho cac tai san Co khac

(798,539)

(653,216)

Tai san Co khac

4?388,588

4,256,033

237835,217

20,701,459

Cac khoan Iai, phi phai thu
Cac khoan phai thu
- Cac khoan phi thu not 130
- Cac khoan phai thu ben ngoai

16


SHB
Ngan hang TMCP SAi Gon — HA Ni

27. Tien, yang gui va vay ciia cac to chiic tin dung khac

- Tien, yang gui cua cac to chic tin dung khac

Trieu long

31/12/2018
Trieu long

Tien, yang gui khong ki) han

15,796,129

21,691,943

- Bang VND

15,731,770

21,683,622

64,359

8,321

Tien, yang gai có kji lzyn

9,377,079

9,660,240

- Bang VND

7,922,500

7,208,000

- Bang yang va ngoai t"

1,454,579

2,452,240

25,173,208

31,352,183

30/06/2019

31/12/2018

Trieu di3ng

Trieu d'dng

10,702,675

7,325,704

819,367

1,210,565

7,872,926

6,255,902

7,866,813

4,879,407

18,575,601

13,581,606

43,748,809

44,933,789

30/06/2019

- BAng yang va ngoai t'

TOng

- Tien, yang vay cac to chik tin dung khac

- Bang VND
Trong ció: Phai tra trong nghiep vu thu• tin dyng tra chain
- Bang yang va ngoai t.'
Trong do: Phai tra trong nghiep vu thin tin dyng tra chain
TOng

TOng tien, yang gu•i va vay cac to chtic tin dung
khac

17


SHB
Ngin hang TMCP Ski Gen — Ha Ni

28. Tien giti caa khach hang:
30/06/2019

31/12/2018

Trieu c[ong

Trieu cljng

Tien, yang giii killing li-S7hqn

15,535,422

18,966,115

- Tien girl khong ky han bang VND

14,365,216

17,704,538
1,261,577

Tien, yang giti do ky han

1,170,206
I
227,787,857

205,177,899

- Ti'n gni có ky han bang VND

213,865,782

195,239,126

13,922,075

9,938,773

12,007

5,224

631,057

1,074,903

244,466,343

225,224,141

30/06/2019

31/12/2018

Trieu gong
•

Trieu CI'dng

- TiL gui khong ky han bang yang, ngoai to

- Tin giri có ky han bang yang, ngoai to
Tien giri von chuyen dung
Tien gill 14 quS7

29. Von tai try, iiy thic Tau ttr, cho vay TCTD chin rni ro

V6n nhan tai tro•

a cho vay bang VND

,369,679

1,330,584

Von nhan tai tro

a cho vay bang yang, ngoai to

413,224

143,127

1,782,903

1,473,711

18


SHB
Ngan hang TMCP Sai G6n — Ha Noi

30. Cac khoin ncr khac
30/06/2019

31/12/2018
Trie:u gong

Cac khoan 151/phi phai tra

Trieu dong
6,1 759,761

Cac khoan phai tra nt:ii b0

42,795

38,950

508,072

1,045,003

7,310,628

6,378,862

Cac khoan phai tra b'dn ngoai

5,294,909

19