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NGAN IIANG THTI0NG MAI CO PHAN

s,il

Bio clo tli chinh hqp
Quy I ntrm 2019

GON - HA NOI

77 Tran Hlmg D0o - Qu6n Hoen Kiiim - Hd NOi

Tel: 04.39423386

Miu

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h6l

s6: Q-01a

Fax: 04-39410942

TD - BANG CAN D6I KT TOAN
Don vi tihh: Tiiau

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NGAN HANG TMCP sAI GON - HA NOI
?7 Tran Htmg Dao - @6n Hoen Kiern - He NOi

MAu s6: Q-oJ{

Tel:

04.394233t8

Qu, I rtrm 2019

Fu( M.39410942

TD - BAo cAo LuU

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Th6ng tin v6 ngAn hirng

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86 nhi€m ngdy 28 thring 04 nlm 2017
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hing Thuong mai C6 phin Sii Gdn - Hn N6i (du6i ddy goi tit ti '.Ngdn hing,'.1 Li m6t
ngdn hing thuong mai cii phin Vi6t Nam thinh lap tei nuoc C6ng hda Xe h6i Chn nghia Vi6r
Nam v6i thdi gian hoat d6ng ld 40 n5m theo 0041-NH/GP ngiy l3 thring ll n6m 1993 cria Ng6n
hdng Nhi nu6c Vi6t Nam.V5n didu l€ cua Ng6n hing tai ngity 3t/03/2019 li 12.036.16t tri6u
ddng (Mudi hai nghin kh6ng trem ba muoi s6u rj' m6t trim sriu m6t tri€u tl6ng;.
HQi so chinh cia Ng6n hing tl{t t4i 56 77 - Trin Hrmg Dao - Q.Hoin Ki6m - Hd N6i - Vi6t Nam.
Tai ngdy 3110312019, NgAn hdng c6 7.570 nhin vi€n, tai 3ll12/2018 Ngdn hdng c6 7.546 nhdn
NgSn

vi6n.

3.

T6m

tit cic

chinh srich k6 torin chrl y6u

ChuAn mgc vir ct6 ag t5 torin

ip

Ngrin hdng trinh bdy cric brio crio
sung mQt

sr5

dqng

tii

chinh theo Luat cric T6 chr?c Tin dung.

Luit sia d6i

vd b6

didu trong Luat c6c T6 chric Tin dung, c6c chuin muc k6 torin Vi€t Nam vd H6 th6ng

K6 torin cdc t6 chric tin dung Vi6t Nam.

Ki

b6o c6o

vi tton vi tidn tQ

Kj, b:io c6o cia Ngin hdng bit ddu tt ngdy 0l/0llZOl9 vd k6t thtic vio ngdy 3l10312019.Don
vi tidn t6 st dgng trong ghi ch6p k6 toen le d6ng Vi€t Nam (VND). Tuy nhi€n, theo quy tlinh tai
Th6ng tu 4912014/[-NHNN ngdy 3ll'1212014 cria Ngdn hdng Nhd nuoc, c6c s6 lieu trdn Bdo cdo
tdi chinh duoc ldm trdn d6n hdng triQu vd trinh bdy theo tlon vi tri6u d6ng Vi6t Nam.

4.

Nguy0n

tic ghi nhin

c6c nghiQp vg bing ngopi tp

vi

quy tl6i.

tit

ce c6c nghi6p vu phrit sinh cria Ngin hdng duoc
hach to6n theo nguy6n tC. Tai thdi clilim cu5i n[m, tdi sin vd c6ng ng c6 ngudn gric ngoai td duoc
quy d6i sang VND theo t! giri quy tlinh vio ngdy lip bang cdn d5i ti! toen. Cric kho6n thu nhip vi
Theo h6 thiSng kti torin crla Ngin hing,

chi phi bing ngoai tQ cria Ngdn hdng tluoc hach torin bing VND theo tj' giri vdo ngiy phtit sinh
th6ng qua giao dich mua bdn ngoai tQ. Ch6nh lech t'i gie do drinh giri lai cric tdi khoin kinh doanh
ngo4i tQ duoc hach toiin viro brio crio K6t qua Hoat dQng Kinh doanh vii loi nhudn dd hi. Chenh
lQch tj' gi6 phrit sinh do quy tt6i cric tdi sin vd c6ng no kh6c bing ngoai t6 sang VND ducrc xti I!
vio doanh s5 crla cric khoin muc tuong fng tr6n bdng cdn d6i tti to6n vdo ngiy l6p biio crio tAi
chinh.

5.

Chri,ng kho:in dAu tu

git

tt6n ngiry tl:io hqn

khoin no giii d6n ngiy iliio hpn ld cric chimg khorin c6 kj'han cti dinh vA c6c khodn
thanh toan ci5 ttinh hoec c6 thii xric tlinh dugc vd Ban T6ng Girim tt6c c6 i dinh vd c6 khi ndng giir
rltin ngdy 116o han. Ngdn hing tlang ghi nhfn cric chfng kho6n niy theo gi6 g6c c6ng lai du thu trir
lni cho ph6n b6. Gi6 tri php tr6i hoSc chiiit kh6u (n6u c6) cfing tluoc phdn iinh vdo giri tri ghi sfr
Chr?ng

cia khorin

dAu

tu. Lni

ttuo.

c dU thu hoic phdn b6 theo phuong phdp tluong thing. Chung khorin

HSTIB
Ngin hAng TMCP Sni Gdn

-

Hd NQi

duoc gi& diln khi tlio h4n sC duoc xem xdt vi kha ning giim gi6. Chtrng khorin tlugc lfp dy phdng
gidm giri khi gi6 tri thi trudng nhd hon giri

ghi sii. Drr phdng giim giri rluoc ghi nhfn vdo brio

ri

crio kiit qud hoat tl6ng kinh doanh.

6.

tliu tu sin sing iI6 bin

Chrirng khorln
Chung khorin

tlinh tru6c, c6 thd

tliu tu sin sdng tld brin ld cric chung kho6n tluoc

gi& trong thdi gian kh6ng 6n

ciu thanh khoin hoic ttii: ung ph6 v6i trudng hoo thay
diii lai su6t, ti giri, hoic gie tri chung khorin. Ngdn hing ttang ghi nh6n cric chring khoiin niy theo
giri g6c c6ng l5i dg thu tru lii chd phdn b6. Giri tri phu tr6i ho[c chi6t khdu (n6u c6] cing duoc
phin 6nh vio giri tri ghi s6 cria khoin diu tu. Lei duo. c dU thu holc phAn b6 theo phucrng phrip
tluong thing. Cric chung khorin ndy duoc tlinh giri ttinh k) theo gili tri thi trudng vd du phdng
girim giri tri

sE

du-o. c

brin d6 d6p ung nhu

duoc tdp khi giri tri thi trudng nh6 hon giri tri ghi s6. Du phdng ginm gi:i ttuoc ghi

nh6n vdo brio crio kilt qud hoat dQng kinh doanh.

7. Chfng khodn kinh doanh
Chimg khorln kinh doanh lA chfng khorin ban ttiu dugc mua vd nim

gi[

cho muc tlich kinh

doanh trong ngin han hodc n6u Ban T6ng Girim tl6c quy6t dinh nhu vAy. Ngdn hdng dang ghi

kj,ti6p theo, cdc ch[mg
kho6n ti6p tuc duoc ghi nhin theo giri g6c. Tuy nhi6n. gie tri thi truong cria cdc chrlng khodn vin
duoc Ng6n hdng theo ddi Oi aanh gia vd khd nang giim giri khi girl tri thi truong th6p hon giri g6c.
Ngoai trir truong hqp kh6ng th6 xiic tlinh gie tri thi truong m6t crich chic chin thi giii tri cta
chfng duoc tinh dya trdn nguy6n gi6 sau khi tru

nhdn c6c chung kho6n ndy theo giri g6c vdo ngdy giao dich. Trong cric

doanh chring kho6n duo. c ghi nhdn tr€n b6o ciio k6t qud hoat dQng kinh doanh theo s6 thuin.

E. Cic khoin

cho vay

vi fng truric kh:ich hing

Ciic khoin cho vay vd ring truoc khrich hdng ttugc cdng b6

vi trinh biy

theo s6 du no g6c tai

thoi tli6m cr6i kY k6 to,in.

9.

Dq phdng

rii

ro tin dgng

Crlc khoin cho vay kh6ch hdng tlugc phdn lo4i theo Th6ng tu s5 02t20t 3,rI'T-NHNN ngdy 2l

l8 thring 03 ndm 2014 cria Ngin hdng
Nhi nudc v6 viQc phAn lo?i ng, trich lip vi sri dung du phdng dr5 xu li rrii ro tin dung trong hoat
tl6ng ngdn hdng cria t6 chuc tin dqng theo cric muc d0 rui ro nhu sau: No du ti6u chudn. No cin
th6ng

0l

ndm 2013 vd th6ng tu s6 09/2014/TI-NHNN ngdy

chri :i, Ng duoi ti6u chuin, Ng nghi ngd vd Nq c6 kha nang m6t viSn dya v?ro tinh trang quii han vd
cric yiiu t5 dinh luong khric

Ciic khodn ng

tlu
tluoc coi ld no x6u

cia

khodn cho vay.

c phiin loai ld No duoi ti6u chuin. No nghi ngo vd Ng c6 khd nang m6t v6n

r'SHB
NgAn hing TMCP Sdi Gdn

- Dg phdng

-

HA NQi

cU th6

Dy phdng cu th6 duoc trich ldp rrCn nli ro tin dung thuin cta ciic khoin cho vay theo
tuong fng v6i tirng nh6m nhu sau:

Rti

.\lt)lt

lttri

lr ll

I

Ng dri ti6u chudn

0%

2

Ng cin chf

3

Ng du6i ti6u chuin

20%

4

No nghi ngo

50%

5

No c6 khA ndng

100%

ro tin dung

j

thuin cria cric khoin cho vay kh6ch

3[I-NHNN,

16

rltt ltln)rt,: r'tt tlt;

5%

khoin cho vay trir gi6 tri cria tdr sin tlAm bio
th6ng tu s6 O2l201

t!

h?rng

dE cluqc chi6t

tlugc tinh bing giri tri cdn lai cua c6c

khiu theo cric t!

16

theo quy dinh trong

rh6ng tu s6 09/20l4fm-NHNN.

- Dq phdng chung
Ngin hing thuc
tluoc phdn loai

ti

hiQn

trich ldp vi duy tri dg phdng chungbing0.75% t6ng giri tri cdc khoiin no

nh6m I dtin nh6m 4,

tri

c6c khoin tidn gui tai t6 chuc tin dung trong nuoc, chi

nhiinh ngdn hdng nu6c ngodi tai Vi6t Nam theo quy dinh cia phap ludt, tidn grii tai t5 chtc tin
dung nu6c ngoii

vi

cric khoin cho vay, mua c6

nh6nh ng6n hdng nudc

kj

han giAy td c6 gi6 d6i voi t6 chr?c tin dung, chi

ngoii kh6c tai Vi€t Nam.

Dy phdng rui ro tin dpng tqi Campuchia, Ldo rip dung theo quy tlinh hi6n hdnh crla NHNN
Campuchia, Ldo trong kj, brio oio tuong fug.

10. Tii

san c6 dinh

Tdi srin c6 ttinh ttugc th6 hien theo nguyen gie
todn b6 cric chi phf md NgAn hdng

phii

kh6u hao lfiy k6. Nguy6n giri bao gdm

b6 ra d6 c6 tlugc tai sdn c6 dinh tinh d6n thdi di6m dua tdi

sin tl6 vdo trang th6i sin sdng st dung.
duong thing tlii trir

trt tli

Tii

sdn c6 dinh tluo. c

din nguy6n giri tii sin trong
- Nhd cua, v6t ki6n

trfc

- Mriy m6c, thi6t bi

- Phuong ti6n vdn

tii

su5t thdi gian

tinh kh6u hao theo phuong phrip

htu dyng uoc tinh nhu

25 nim
03 - 05 n5m
06

- l0 nim

sau:

t_4-sH.H
Ng6n hAng TMCP SAi Cdn

-

HA NQi

vin

- Thii:t bi
-

Tii

phdng

03 - 07 ndm

sdn c6 dinh hiiu hinh khric

- Phin m6m m6y tinh
-

Tii

sdn c6 dinh v6 hinh khric

04

-

07 nim

03

-

08 nim

O2 -

20 ndm

Quy6n sri dung d5t dugc kh6u hao theo phuong ph:ip iluong thing phir hqp v6i Gi6y chung
nhdn quydn st dgng d6t. Quy6n sri dung d6t v6 thdi han tluoc ghi nhAn theo giri gilc vi kh6ng tinh
kh6u hao.
I

l.

Tidn

vi

khoin tudng atuong tiAn

c6c

Ti6n vd crlc khoan tuong tluong tidn bao g6m ti6n mit, ving,

NHNN, tin phiilu Chinh phri vd cric gi6y td c6 giri ngin han
cric khoAn tidn grii thanh torin

han kh6ng quri 3 theng kii

12.

CAc c6ng cg

tii

tt

vi

tli quf, tidn grii thanh toiin tai

ilidu ki6n chi6t khiu voi NHNN,

tidn gui, cho vay tai ciic t6 chrlc tin dung khric c6 thdi han tlio

ngdy gui.

chinh ph6i sinh

Cric c6ng cU tai chinh ph6i sinh duo. c ghi nhdn tr6n bing

cin d5i tii toan theo giri tri hon ddng

vdo ngiy giao dich, vd sau tl6 aluoc tftinh giri lai theo giri tri hoD ly. Loi nhuin hoec
cg

tri chinh phrii

Loi nhudn hotrc

sinh dugc thuc

16

hitn

tluo. c

khi ciic c6ng

ghi nhdn trong b6o crio k6t qud hgat tlQng kinh doanh.

chua thuc hi€n ttuoc ghi nhin vdo khoin muc ch6nh l6ch drinh giri lai c6c c6ng

cu tdi chinh ph6i sinh tren bang can ar5i k6 to6n
doanh

15

vio thdi cliiim cu6i

vi

duoc klit chuy6n vdo k6t qu6 hoat tl6ng kinh

nem.

13. Ghi nhin thu nh$p/chi phi lii
Ngdn hdng ghi nhAn thu nh4p tir

lli

vd chi phi

lii

tr€n brio crio k6t qud hoat d6ng kinh doanh

trdn co sd dg thu, dg chi.

14. Ghi nh$n thu nhip tir phi

vA hoa hdng dich vg

Ng6n hdng thu phi tu cec dich vu cung cAp cho khrich hing. Thu nhip tir phi c6 th6 chia thinh
cdc nh6m sau:

.

Phi thu tir viQc cung cdp dich vt! trung mQt thoi gian nhfu ttlnh: Phi thu tri vi6c
cung cAp dich vu rrong m6t thoi gian nhdt dinh tluoc du thu trong suiit thdi gian d6. Phi
niy bao g6m phi quin li, phi nhin ty th6c, hoa h6ng vd cric phi li6n quan d6n c6p tin dung'
qudn lli tai sirn, phi quan

lf

danh muc vd cric chi phi

quin

l1i

cfing nhu phi tu

vin kh6c'

TE-S-tIP
Ng6n hing TMCP

Sli Gdn - Hn

NQi

t

Phi lhu tir viQc cung ciip dich vg giao dlch: Phi phrit sinh tt vi€c clim phrin vd
tham gia tlim phrin cric giao dich cho m6t b6n thrt ba, vi du nhu ddn x6p vi6c mua c6 phAn
hoic c6c loai chring k}o5n khic hoAc mua lqi doanh nghi6p, cluo. c ghi nhdn khi hodn rit
giao dich li€n quan. Phi hodc mQt phAn cia khoin phi nriy c6 li6n quan rl6n vi6c thuc hi6n
m6t c6ng vi6c nh6t dinh sE tlugc ghi nhAn khi hoin

tir

Iil SHB
Ngen hAng TMCP SAi Gdn

15.

Tiin m{t,

vAng b?c,

-

Hn NQi

di

quy
3l t0320t9
I

TiAn m{t bing VND

Ti6n m{t bing ngo4i

rt?u dong

3vt2tzot8
I

rrcu dong

I,232,660

950,382

882,t73

934,02t

4t9

4t9

2,t 1s,252

I,884,822

tQ

Kim lo4i quf, il6 qui

16. Tidn gfii t?i Ngan hing Nhir nxtc
3U08notg

31fi212018

rrcu dong

lrteu dong

5,699,065

4,328.739

5,699,065

4,328,139

I

Ti6n gui thanh to6n t?i Ngan heng Nha nudc

17. Ti6n, virng gfti t?i clic

Tiin, vdng gti khAng

kjt hgn

- BAng VND

t6 chrirc tin dgng khric vir cho vay c6c TCTD

khic

tl/0dn0t9

3Ul2t20t8

.:

-.^
I neu dong

Tri(u ding

18,060,023

24,708,324

t7,772,037

24.091,166

,986

617.t58

5,072,1E5

1,592,003

4,237,500

3.348.000

- BAng ngo4i tQ, vdng

834,685

t,244.003

Cho vay

500,000

- Bang ngo4i tQ, veng

Tiin, vdng giri cd

kj,

hgn

- Bing VND

-

Bing vND

-

Bing ngoai te, vdng

287

500,000

23,632,208

29,300,327

I' SHB
NgAn hing TMCP SAi Gdn

lE. Cic c6ng cU tii

-

HA N,Qi

chinh phrii sinh

vi cic thi sin tiri chinh khric
gid tri cia hqp
d6ng (theo tit gid ngdy

!6ng

T6ng

gi.i

tri ghi s6 kii

bdn

(theo ti, gid tqi ngdy ldp bdo cao)

hi(u ltrc hop r!6ng)

(tri€u d6ng)

Tqi ngiy

3l th{ng

Cbng cg TC

san

C6ng no

03 ntrm 2019

tiin

phdi sinh

Giao dich lc! h4n tidn
Giao dich ho6n ddi

Tdi

ki

tQ

tQ

han

3l th:ing l2 nlm 2018
CAng cq TC phdi sinh tiin tQ

15,205,11I

55,533

1,659,170

5l ,927

't3,546,24t

3,606

t6,69t,207

s8,228

1,034,938

t5,625

15,656,269

42,603

Tai ngAy

Giao dich lc| h4n ri€n tQ

Ciao dich ho6n ddi

19. Cho vay

ki

h?n

khich hirng

19.1. Phin tich ch6t lugng nq cho vay

Ng tfi) ti€u chuAn
Ng cdn chri

j

3v03t2019

3Ul2t20lE

I neu dong

I

216,266,576

rt?u donq

207,09 t ,422

4,322,350

4,698,6s4

No du6i ti€u chuAn

446,697

339.729

Ng nghi ngd

971,041

920.954

4,00'7,726

3,938,t22

Nq c6 kha nang m6t v6n

226,014390

216,988,88r

HS-H--E
NgeD hing TMCP SAi Gdn

19.2. PhAn tich

-

Hn Ngi

du nq theo thtri gian
3l /03/2019

3ln2t20t8

ding

I neu dong

Ng ng6n han

92,239,s41

88,7 t9,288

Ng trung hAn

61,785,363

58,634,979

Ng ddi h4n

7

,989,486

69,634,614

226,014.3m

216,988,88r

Tri€u

19.3.

Phin tich du ng cho vay theo t!6i tuqng ktrrich hirng

vdr

t

loli hinh doanh

3lt03n0t9
I neu dong

Cho vay

cic t6 chrirc kinh

31fi2t20t8

o/o

Tri€u

ding

'h

t6

Cdng ty nhd nudc

t8,650,928

C6ng ty TNHH

38,720,9',71

Cdng ty cii phin c6 hon 50% viin Nhd nudc
(NhA nudc chiiim co phin chi ph6i)

14,099,561

COng ty

nghiQp

cii phin

C6ng ty hop danh
Doanh nghiep tu nhan
Doanh nghiQp c6 v6n diu tu nudc ngodi

Hgp tec xa vd lien hiep hqp tAc xa

90,181,751
107,387

3,853,397
468,161
5

l,568

8.25% t8,624,232

t7.t3. 36,912,609

r7.01""

6.24vo 11,091,719

6.030i,

39.90oto 88,514.778

0.05%

40.18%

99,079

0.0s%

1.70o'o 3,6114,43lr

0.21o/o 462.659
0.02o/o 49.403

8.58%

I

.67''"

0.21%
0.02o,o

Cho vay c6 nh6n
HQ kinh doanh, c6 nhdn

58,180,870 25.74o/o 53,724,350

24.16%

Cho vay kh6c
Thenh phan kinh ti! khec

1,699,796 0.7s% 1,893,62t
226,014)90 100.00% 216,9E8,881

0.87%

100.00%

r'.SHH
Ngin hAng TMCP Sli Gdn - Hd NQi
19.4. Ph6n tich

du nq cho vay theo nginh kinh t5

3l/l
3l^2t20t8

31103t2019

I rtgu dong
NOng nghiep vd lam nghiQp vd thr)y sdn

35,t09,'779

15.53o/o

38,463 J 68

t't .73v.

4,247,064

I.88%

4,493,'748

2.07%

COng nghiQp ch6 bi6n, chti tao

30,0r 3,534

t3.28%

29,951,1t3

t3.8t%

Sdn xudt vd phan phiii tli€n. khi d6t. nudc
n6ng, hoi nudc vd tti€u hda khdng khi

16,

5,373,337

'7.08%

Khai khodng

Cung c5p nudc; ho4t
thei, nudc thai

tld. ng

qudn

l!

vd xri

l!

r6c

Xay dgng
Bdn bu6n vd bdn

li;

sua ch[a d t6, mO 16, xe

mdy vd xe c6 dOng co kh6c

t66,t48

7

t73,028

0.0E%

.15%

|

58,586

0.07%

30,E9E,67t

13.6't% 28,795,080

13.2'70/0

41,151,960

18.21% 36,247,298

16.71%

r

Van tai kho bei

2,528,164

t.t2%

Dich vu luu tni vd [n u6ng

l,409,738

Th6ng tin vA truyCn th6ng

138,024

0.62./. I,189,297
0.33o/o 959,840

r95,558

0.97Yo

2,517,1'13

Lt60/0

7.53yo

16,756,345

'7.',12vo

HoAt dQng tei chinh. ng6n hing vd bdo hirim

Hoat ddng kinh doanh b6t d6ng sen

2,

t7,022,536

95 1,543

0.44%

29,512

28,546

0.01%

426,204

0.19o/o

723,744

0.330/0

917,912

Hoat d6ng cua Ding CQng sdn, t6 chric chinh
Gido duc vd dAo tao

Y tit ve hoat d0ng trq giup xd h6i
Nghe thuAt, vui choi vd gidi tri
Hoet dOng dich vu kh6c

0A4%

0.05%

Hoat dOng hdnh chhh vd dich

tri - xa h0i, quen lV nhe nuoc. an ninh quoc

0.55Yo

98,736

lr4,042

hd trq

l.ll%

0.05%
0.4to/o
o.0t%

Hoat ddng chuy€n mOn, khoa hgc vd c6ng nghQ

w

2,416,3t7

294,782

.03o/o 72,367
0.t3vo 2E2,306

37,474,234

16.58% 32,474,365

65,904

0

Hoet dQng ldm thu€ c6c cOng vi6c trong cdc h0
gia dinh, san xudt san phdm vat ch6t ve dich vu
tu ti€u ding cta h0 gia tlinh

5,036,889

T6ng du nq

226,014,390 100.00%

223v.

5,029,372
216,9E8,8E1

0.030/0

0.13%
t4.91%

2.32%
100.00%

t0

#S-H-H
NgAn hing TMCP SAi

20. Dg phdng

cdn - HA

NQi

rfri ro tin dgng
Dg phdng chung

Dr; phdng cu th6

I ngu dong

I

neu donx

Ki ndv 6l/032019)
s6 ou oAu try
DU phdng rui ro trlch

s5 au cu6i

21. Chrimg

I,492,247

lfp/hoir nhip

vd sri dung tong

1,509,982

ki

0

I,492,247

t
1,509,982

khoin diu tu

21.1. Chrimg

khoin

dAu

tu sln sAng d6 brin
31t03t20t9
I

Chfing khodn Nq

rteu donE

3Ut2t20t8
I

n?u dong

28,127,508

25,t 59,407

Chung kho6n Chinh phri

9,996,599

8,993,786

Chung kho6n Nq do c6c TCTD kh6c trong nu6c ph6t hdnh

2,13t,228

2.182,7 t2

t6,299,681

r3,982,909

33,599

33,599

796

196

Chrmg kho6n Nq do c6c TCKT trong nudc ph6t hdnh

Chtng khodn Vdn
Chung khodn ViSn do c6c TCTD kh6c trong nudc ph6t henh
Chrmg khoAn Viin do cAc TCKT trong nudc phAt hanh

Giti

tti chftng khodn itia tr sdn sdng tli

bdn

Dy phdng gi,nm gid chtng khodn sfin sdng di bAn

32,803

28,461,107

3

25,

2,803

t 93,006

(te0,27s)

(t9t,073)

28,270,832

25,001,931

ll

HSII,H
Ngen hAng TMCP Sii Gdn

-

Hn NQi

21.2. Chimg kho6n

tliu tu gitr tt6n ngiry

tISo

hln

3l t03t2019

31fi2t2018

I neu dong

lrteu dong

Chung kho6n Chinh phir

7

,995,82s

8,039,210

ChAng kho6n Ng do c6c TCTD khdc trong nudc ph6t hinh

8,096,258

8,694,237

Chwrg kho6n Nq do c6c TCKT trong nudc PH

8,027,691

8,027,692

21,t 19,774

24,76t,139

(t,736,t 47)

(1,7J6,t47)

Gid

tri chfing khodn ildu tu git itin ng,iy

D1t phbng gidm

gid chtag khodn ildu

tfuio hgn

tr git

itdn ngdy i io hgn

22383,627

23,024,992

22. Chlmg khorin kinh doanh

3u03D019

3Ut2t20tE

TriQu tl6ng

-:
'" dong
I rteu

Chftng khodn Vdn

3,8E9

3,889

- Chring khorin V6n do c6c TCKT trong nuoc phdt hanh

3,889

3,889

D4r

phbng gidm gid chthng khodn kinh doanh

_

(3,234)

(3,234)

o5J

23. G6p viin,

C6c khoan

ttiu tu diri

h4n

diu tu ddi h4n kh6c

Drr phdng gidm gi6

655

rliu tu ddi han

3U03t2019

3l

l rteu dong

I

2t20l8

neu oont:

193,750

201,7 50

(s,983)

(5.e83)

187,767

195,767

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P.STIIE

Ngtn hing TMCP Sti Gdn - HA NQi

25. TAi sln c5.Iinh
- Ttrng,

giim

tii

vO

srin c5

hinh

:

tlinh v6 hinh

ki

nAy:
Don vi tinh heu ildng

Quydn sfi dpng

Kholn muc
Nguy6n

d6t

vi
finh

PhAn mdm

Tii

san c6 dinh

vo hlnh

kh6c

c0ng

gi{

au aAu ki
56 ung trong

4281,049

S5

-Chanh lQch

ki

tj gid

4,544,660

3729s

246

v,541

9,085

- Tdng kluic
56 giim trong ki
- Gidn khdc
s6 ou cudi ty
Gi6 tri hao mdn lui k6
s6 au alu ty
56 Hng trong k|
-ChAnh rcch ry gid
- Kiiu hao trong bj,

s5 ou cu6i

44,292

(2e)

- Mua nong hj,

- Tdng khdc

56 gi6m trong
- Gidn khdtc

2r9)t9

a7)

(66)

283

9,368

(l7Jl0)

(l7Jr0)

28,239

28,2

39

5,963

t99,642

32,295

237,900

39

3038s

265

30,6E9

39

ki

(2e)

o7)

5,045
25,369

302

(66)

s,386
25,369

(14,440)

(t4,440)

ty

Gid tri cdn lgi
Tpi ngiy dAu k!
Tqi ngiy cu5i ki

4,275,086

4306,760

l5

IISIIB
Ngf,n hing TMCP Sli Gdn

-

Ttrng,

-

Hn NQi

giim tii sin c5 dinh vd hinh ki trudc
Don vi tinh Eieu ddng

Qirvdn srl drlng phdn mdm vi

Khoin myc

trnh

tTfir.f

ffi:

cong

NguyGn girl
S5 du diu nrm
- Tdng trong nlm
- fhanh li, nhwns bdn

3,,lt6,E01

21r,8ll

39,877

3,738,,t89

66

10,226

4,i68

809,760

(e r 6)-

(2,7 56)

795, t

tt sid
s5 du cu6i nrm
Gi6 tri hao mdn lu! k5
56 du itAu nlm
- Khdu hao trong nim

38

47

85

178,174

27,617

211,596

- Chcnh l€ch

- Thanh lj,, nhtgng
- ChAnh

158

i9

23,I

27,928

4,631

(t,709)

(t,709)

bdm

47

38

kch ri sid

s6 du cuSi nrn
Gid tri cdn lpi
Tgi ngly itAu ntrm
Tgi ngiy cu6i ntrn

26. Tiri

5,805

(3,674)

5,963
3,$0,996
4275.'0K

85

199,642

32,295

33,637
19,677

12260
t1,997

237

,m0

3,526,893

4,306,160

sin C6 kh6c
3UIJB.n0t9
I

Cdc khoin l6i, phl phii thu

Cic khoin phdi thu
- C6c khoan phii thu nQi bQ

rvu dong
9,248,444

3Ut2n0t8
I

rteu aonS
9,1t7

,7 46

r0,129,88 t

7,980,896

804,279

289,852

9,325,602

7,691,044

7,140,054

6,0E9,972

Dg phdng rui ro cho c6c Oi san C6 kh6c

(6s3,2E3)

(6s3,216)

Tii

4,232,047

4,256,033

22,957,089

20,701,459

phii thu b€n ngodi
Trong ild: Phai thu bin ngodi li€n quan tldn tht
- C6c khodm

tin dung

sd.n

td

cluim

C6 kh6c

t6

ITSI{B
Ng6n hlng TMCP SAi Gdn

27. Tidn, ving grii

-

Hn NQi

vA vay cria

cic t6 chri,c tin dgng khric

- Tidn, virng grii cta cric t6 chrirc tin dgng khdc

3lll2t20l8

31103t2019
t ngu dong
TiAn, ving

gii

khdng

k! hgn

19,E75,389

- Bing VND

2

19,825,358

- Bing vdng vd ngoai

tQ

t,691,913

2t,683,622

50,031

8,32

r

Tiin, v,ing gthi cd kt hgn

12,435,999

9,660,210

- Bing

10,535,000

7,208.000

1,900,999

2,452,240

32,31 1,388

3l,352,r 83

31t03t2019

3llt2t20t8

I neu dong

I

VND

- Bing ving vd ngoai tQ
r

ong

- TiAn, virng

- Bdng

vay cric t6 chrirc tin dgng kh{c

VND

- Bing vdng

vi

ngoai

tQ

Trong d6: Phai tra lrong nghiep vu

thr tin dung

_;
r ong
Tring tidn, ving grii

vl

vay cdc t6 ch ric tin dgng khric

rrcu donx

l3,995,891

7.325,704

7,066,296

6,255,902

10.054

6.089,972

21,062,t87

t3,58r,606

53,373,575

44,933,789

7, t

t1

p_sJ.IJ
NgBn htng TMCP

Sii Gdn -

HA NQi

2t. Tidn grfri cria khdch hAng:
3U03t2019

3Ut2l20t8

I rteu dong

I neu aong

Tidn, ving grfri kh6ng

16,054,172

1E,966,115

- TiAn gui kh6ng

ki hgn
kj hp bang VND

l5,l18,91I

17

- TiCn gui kh0ng

k) h4n bang

TiCn,

vdng, ngo4i tQ

ving gii'i c6 k! h9n

- TiAn grli c6 Ic! hAn b[ng
- Ti6n gui c6

k!

VND

h4n bang vdng, ngo4i

Tidn grfri v6n chuy6n

tQ

ding

-.1
r ren gtn xy quy

29. Vdn

tii

935,261

1,261,577

2t5,791,916

205,177,89

202,609,227

195,239,126

13,182,689

9,938,773

2,6t4

5224

1,091,379

1,074,903

232,940,151

225224,141

trq, riy thic tliu tu, cho vay TCTD chiu rrii ro

VOn nhln tAi trq dii cho vay bing VND

V6n nh{n tdi trq d6 cho vay blng ving, ngo4i

30. Cric

,704,538

khoin

Dq

tQ

3U03t2019

31112/2018

TriQu tl6ng

lngu dong

1,321,538

1,330,584

173,862

t43,127

r,495,400

1,473,111

khic

ru03t20t9

3ut2t20t8

1rryu aong

- donS
lrtqu

C6c ktroim lai/phi phni tra

5,792,197

5,294p09

Cnc khoan phdi trd nOi b0

68,31l

38,950

pMi tri b€n ngodi

6t9,281

1,045,003