SFXT$ NGAN IIANG.[I{UONG MAI CO PHAN SAI GON - HA NOI 'I'odn hing gANc cAiI DOI KE TOAN Ndm 2009 STT CIII TIEU CUOI KY 3111212009 I]AO CAO 1'AI CIIINII u.itiso I]o2/TCl'D l)crn vi t[nh. I:X'D nAu ri 01/01/2009 A. TATSAN I f idn m{t, virng b3c, tl6 quy Il Ti6n giii tai NIINN III Tiin, virng gri'i t4i cic TCTD hhdc vh cho vay cfc TCTD hh:ic I Ti6n, vdng gui tai c6c TCTD kh6c 2 Cho vay c'6c TCTD khric 3 DU phdng riri ro cho vay c6c TCTD kh6c IV Chttng l<hoin l<inh doanh I Chrlmg kho6n kinh doanh 2 Du phong giaim gi6 chfng kho6n kinh doanh V ,Cric cOng cg tiri chinh phrii sinh vir cic tiri siin thi chinh khic VI Cho vay hhr{ch h}rng I Cho vay kh6ch hdng 2 DU phdng rui ro cho vay kh6ch hdng Vlt Chfrrg kho:ln diu tu' , rl I Chune khodn diiu tu sarr sAng d€ biin 2 Chilng khodn diu tu gifr'd6n ngdy d6o han 3 D1L phong giam gi6 chung kho6n dAu tu' VIII G6p v5n, diu tu'clii h4n I DAu tu vdo cdng ty con a ',i 2 Von g6p li€n doanh 3 DAu tu viLo cdng ty li€n ktit 4 Ddu tu ddi han kh6c 5 DrJ phdng gidm gi6 clAu u ddi han IX 'I'iri srin c6 dinh . I ., , , I I Ar san co dinlr hiiu hinh a NguvAn gid'I'SCD htur hinh |' b IIoo mdn ISCD htitt hinh . i , 2 Tdi san co dinh thu€ tdi chinh a i\tguyAn gid TSCD b fluo ntdn'I'SCD ; r. I t I ar san co dinh v6 hinlr a .\grtlin glci /.St'D t'o hinh b IIoo mdn TSCD t'6 hinh X Trii s:in C6 khfc I C6cl<hoan phai thu 2 CAc khoan lii, phi phai thu 3 Tdi san thu6 TNDN hoin lai 4 Tai siin Co khiic 5 C6c khoan du phong rui ro cho c6c tdi sdn C6 ndi bang kh6c l 311,995,783,069 920,13t,576.609 6,323,67 4,065,7 45 6,323,67 4,06s,745 0 0 3,0.10,739,50,1,000 3.051 ,548.000.000 ( r 0,808,496,000) 3,663,026.809 12,7$1,661,439,039 I 2, 82 8,7.1f.i,070.948 r 1 27.083.53 I .909 ) 2.301,296,692,323 1.804,296.682.32.i ,5 00.000.000.000 0 289.799.000,000 20.000.000.000 () (J 269.799,000.000 t-) t,53,050,839.360 I 25,I 67,725,93.1 157,869,435,3 r4 (32,70 r,709.480) 0 (-) (i 7 27.883,113.526 72().9'42.347 ,6 | 5 (2.05q,234,089) 867,396,633,00u 405,085.225.909 167 15() 155 t5- U 194.c)52,051 .7 17 tJ 27 ,443,.111.549,962 67,478,801,936 216.116,117.098 2.945,975,032,363 2,94 5.975.0_12.363 0 0 .r80.531 ,I 92,889 494.698,780,889 ( r.1,167.588,000) 36ri.865.092 6,227,1 58,358,01 I 6.252.699.297,805 (25.540,939.794 ) I .955,500.000,0fi0 r)5 5.000,000,000 1.00(),500.000,000 0 7,18,1 59,000,000 0 0 0 748. I 59,000,000 U 823,991,020,135 97 .766,777,655 I r2,B r4.636.850 ( r 5.647,859. I e5 ) 0 U U 72(t,824.242.480 728.521,64t,6'71 t I .697.399,191 ) 916,031,001,019 I 50,637,5 I 5. t 67 124,200.304,363 U 641.193,181,,188 0 14,381,310,018,5,12 TONG TAI SAN CO .,1,!u' s'rr cni rmu ;rt/,])tffi ,,t?,ffi|t; B xg pHAt rnA vn voN cnu so utJu I Cfc khofrn no.'Chinh Phii vi NHNN II Tidn gii'i vi vay ciia cdc TCTD khic 'I'i€n gtri cua c6c TCTD kh6c Vay c6c TCTD kh6c Tiin gii'i ciia hhich hhng Cic c6ng cg tii chinh phii sinh vir cic khoiin no.'thi chfnh khic V6n tiri trg', u;i th:ic ttAu tu', cho vay mh TCTD phiii chiu rrii ro Phit hhnh gi6y td'c6 gi6 Cic khoAn Nq khic Cdc khoan lai, phi phai tra Thue TNDN hodn lqi Phai tra C6c khoirn phai tra vir c6ng no- kh6c Dq phdng rui ro kh6c T6ng Nq phrii trri V6n vh cic qui Vdn cua TCTD , , : r.; I on (lteu le "t,'6n diu nL XDCB 'l'hdng clu't'6n c6 phdn C6 phi€u qu! C0 phitlu uu ddi von Knac Qu! cLra TCTD 3(ftU$W Chdnh l0clt danh gid laitAi san I\titt.t chirrh leclr tv eia noi o.oii PX- - Loi nhudn chua phdn phdi i, Lo-i ich ciia cil o6ng thi6u sii TONG Nq PIIAI TRA vA voN cuu sd urlu cAc cni TIT]U NGOAI BANG sTT CUITIEU ,. ct-rol Ki l)',\t tii 1 2 III IV V VI VII 1 2 3 4 3l,8tt4,l tt3,86.1 U 366'1 03'1t37' I 'l I 171,217,576.226 0 I()l )O7 1)R 541 3.5 5 8,93 2.3 e,1 25,026,824,619,721 2,,1I 6,586,930,2J 5 2.0J3,0"13,4u2,J(i0 2.000.000.000,000 48.000.000.000 (-1.956.517.600) U 0 5 3,003,990.7i 7 (l 0 320,539,45 7.0e8 2',1 ,443,411,5-19,962 00 10,127.668,107,590 2,235,08{'l '7 4,268 10,127.6(r8.107.590 2.1i5.084.174.268 00 14,501,16tt,491,112 9,508,142,250.589 00 25,J12,932,213 0 3,15.955,425.5,r3 i32.951 .921.471 0 2 12.570.991 ,713 -13 2.5 09.3 5 i l 2,l 1 4,654.782,61 3 2,266,(;55,235,929 2,(l I 5,(r,1ti,602'000 2.000.000.000,000 0 ,18,000.000.000 (2.:151.198.000) t, i) 5 3 1!),1.2,15.5 90 U 0 167.512.i88.339 l-1,381,310,018,5J2 I .2 I 2,350,23-1,555 8.98 r.390 100 682.890,497.082 520 .17 8 ,317 ,013 319 175,1 19.480 0 37 .27 4.2',79 ,464 282,200,840.016 I ld noi,lk4, 1l rltritty 0 | rtirtt 20ll) -l'0ne (,i:'rnr D0c VIII I a b c d I Nghia vq ng'tidm An I Bho ldnh vay v6n 2 Cam k6t trong nghiQP vP L/C 3 Bao ldnh kh6c Lip bi0u / I t ! \Mt-l tl tl tl I /l t/ .q $'rMJ'"", K0 Torin 'lru'a'nTUn ti / lli,y""t [.' ,/t / (-/ z/- f( f;:sfts ti' -\q '{dm% sxrFs NGAN IIANG'TMCP SAI GON.I{A NQI Todn hdng I Thu nhflp til ldi vd c6c kho6n thu nhflp fi'r'ong ttt' - Trong do thu 16i dieu v5n 2 Chi phi l6i vd c6c chi phi tuong tq ldi - Trong d6 chi ldi didu von I Thu nhfip lii thuin 3 'l'hLt nhflp til hoat ddng dich vu 4 Chi ph( ho4t dQng dich vu II Lai/16 thuen til ho4t ilQng dlch vg Il'i Lail16 thuan tr)'ho4t dQng l<inh doanh ngo4i h6i IV Lail16 thuAn til mua brin chri'ng khorin kinh doanh V Lail16 thuen ti'mua brin chrlng kho6n dAu tu' 5 Thu nhflp tit'ho4t dQng kh6c 6 Chi phi ho4t dQng khdc VI LeVl6 thuan ti| ho?t dQng khf c VII Thu nhf,p tn'g6p v6n, mua c6 Phin VIII Chi phi ho4t dQng tx Lqli nhuf n thudn tt'ho4t ttQng kinh doanh tru'6'c chi phi du' nhdng rrii ro lin dung X Chi phi dg'Phdng riiiro tfn dung Xt T6ng lg'i nhu$n tru6'c thu6 7 Chi phi thu6 TNDN hien hdnh t?m tinh 8 Chi phi thu6'INDN hodn lqi XII Chi phf thu6 TNDN t4m tinh Xlll Lg'i nhu4n sau thuG N,,tO CAO'I'AI CIIiNII MAti so I]03/TC1'D nAo cAo KET QUA HoAT DQNG KINH DoANH Ndnt 2009 STT Chi ti6u NIm na1' Dott t,i tfnh. VND Nim trudyc - 2.160 .425,161 ,571 526,613,523,190 I .545.9 I 5. 1 5 8,95 6 526,613,-523.190 61 4,5 I 0.002,621 39 .243 ,691 .5 | 4 11.948;71,1.421 21,294,923,087 52,187,023,844 75,299,235,683 0 12,t49,652,435 2,434,342.401 39,71 5,31 0,02u 46,936,406,0t)0 337.2tt9,960.5 | 6 512,952.9,10.'7 47 l0,1,669.1 15,l 55 408,283,lt2 5,592 90,33 6,854,898 U 90,336,854,8911 317 ,94(t,970,691 l .63 7.03 3.790.3 89 343,663,608,315 I .,176,234.055,661 34,?,663.608.3 15 160,799,131,128 I 4,3 97.990,-194 6,98(r.096,769 7 1I I ,893,625 26,022,892,589 ( 1 ,1,1 67,588,000) 0 297.054,985.200 2.299.5-57,181 291,755,328,019 2,96"1,659,000 I90,536,008.8I4 28',7 .250,911,147 r 7"890.291.965 269,360.6r 9,182 74,590.868.851 0 7,1,590,U6tt,851 l9,1.769.75tf ,33 I L4p biOu tld nati. ngiy l1 thing 0l ncint 20I 0 -l 6ng Girhrn tlOc .K6 todn'fru'ti'ng . lv 'y'/' /0, "''L ', e,i T,,'cl lj1rq-D Tl1IJdl{G ijl1t c0"punr'r ?irHrjd \o\$Al VN \J,? ,-L $W NGAN 0r SI{B HANG TMCP SAI GoN - HA NQI BAO cAo LtIu CHUYEN TITN TE RItNG LE Nim 2009 sAo cAo rAr crrixn uAti so BoJ/TC'rD Nnm 2008 269,360,61 9, I 82 10,527,785,795 32.057 ,879.965 (r24,200.304.363) 132,951.924.477 (2,964.6s9.000) 3,192,643,8t3.087 (2,0s 8,49 1,940,889) (368,865,092) (2,069, 1 96,636,595 ) 1 5 5.8 77.605.421 486.4'.78.762.252 (4.856.7 00.7 82,7 7 6) 6,703,273,444,793 (26,426.408.7 50) (.13 l, 134,09_s.908) 79.789,270.609 . tJ92977,4r2,2r0 (54,63 8,960.0e6) (4,076,575,s48) 1,734,261,876,566 (490.701,223.1.t3) 07 08 LT:,II CHUYEN TIEryIU4O4T DQNC KI:{H DO.A,NH Lgi nhuin truric thu6 Diiu chinh cho crigl<lpq1 KhAu hao tdi sdn c6 dinh Du phdng rui ro tin dung, giam gid, tldu tu tdng th6m/hoin nhAp trong nam. - Ldi vi phi phiii thu rstc ky (!!Uc !C !!U4 !!!) - Ldi va phi phai tra trong klir (rhuc li chua tra) - Lai 16 do thanh l! ciic khoan ttiu tu, gop ddi han vao dorr vi kh6c, lai/c6 tuc qhdn duq'g. lgi 4luanlqqc chia tu hqp d6ng 44' tu, g6p v6n d2ri h4n Lai 16 do thanh l! TSCD Ch€nh lech ty gi6 h6i do4 chua thuc hiQn - Cdc tli€u chinh khdc C thly q!ryq !1i sin vh cdng ns'ho4t tlQng Nhfrrrg thay al6i vA tii sen ho4t tlQng Tang, gidq ti6n vdng grii vd cho vay cfc TCTQlthac Tdng, gi2un c6c khor! r4q c]qqgkhoiiLn kinh doanh Tang. gi6m cric 9Q!g rg1q4t chiq! ph6i sinh v?r cric TS tai ch!1h kllAc Talg CL4q"39\!p.4 cho vay khdch hang I'Eng girim l6i vd phi pheii thu - Gizim, tang ngu6n du phdng bii dap $n {6t 'l-arrg giam khdc Le !3!ssn lrgEldqne Nhirng thay cl6i v0 cdng nq ho4t ilQng Tang, gyqn 9a. \!94! llq,:!I4Lp!u uq ljgan hang Nhd nuoc lang. gidm cac k!ro41r9n gqry114y cac td chtrc tlt! dung Fng. giq- 14lgql cria \!6ch hang (bao g6m cri KBNN) Ting. girim cdc c6ng cu tdi ahinh phiii !l!h y4 q4S klg4ll nq tdi chinh k!4c Tdng, girim v6n tdi tro, UTDT, cho vay TCTD chiu rui ro -'l'ang, gtqg:qyli!9 El9, lgqal!.u GTCG duqc tinl - T[ng, gizim lai, phi phrii trd vdo hoat ddng tdi chinh Ting, gitun khric vC16qg 4qho4t {649 Luu chuy6n tidn thuAn tit ho4t rlQng kinh doanh truti-c ltrq6 t!g l!l! llue I'NQN g4:tQp Chi tu cAc qu! cua TCTD !u'q chuy{n ti6n thuAn tii- hoAt 4Qng kinh doa4h LU.T] CIITIYTN TI'N TiT HOAT DQNG DATI TU' Mua sdm. tai san c6 drnh Tier tlrrltqihq4 lLqlueng_bfn rScD l'idn thu tu ban thanh ly bAt dQng san diu tu !)c4 chqrqlq beql!a'4li lat d0qg q1iut $qu tu Ti0n chi dAu tu, g6p v6n v4o cric do{t vi kh6q Nim 2009 ( l 7,4 1s,68s, 183 101,3t0,023,155 (267 ,3s9,3ss,3s2 llt;zlt:s76226 (46,93 6,406,000) (5,099 6?5) (51j94 ,373.081) /) qns 64i qnt 41J\ (3 "294,t6t ,7 t7 (6,57 6,048.773.t43) 124.200.304.363 7 ,892,583,933J22 4,993,026240,543 (132 ,9 s 1 "924 ,47 7') ( 1 8,s2 r,333,5 1 2) ('7 4 ,092,7 05 ,300) (46,47s,504,408) 397,407,299 Q92,307,674) 530,359,000,000 (5 1,999,000,000) 02 03 04 Ti0n thu dAu tu, g6p v6n yq99q94q! rf kh6! (365,5 59,000,000) 0l 08 I4q:ht lqrllr. g"p_lq!_,r.,io cac Cor vi kirac Ti€n thu Ciiu tu. soo r6n vao cac dor vi khac iOn thu tu cd tuc va liri nhuiin duoc chil tu cac khoiin cliu nr. ,lop viin dai han Luu chu.v6n tidn thuin tt hoat tl6ng itAu tu' LLI,U CHUYEN TItN TfTHOAT DONG TAI CHi\H vtin cd phdn n: g6p v6n holc phrit hanh cd phi6u grai/ to co gid ddi han di di6u kien tinh vdo vdn tu co v?r c6c khoin v6n vav ddi han khdc chi tu ph6t hanh gidy to c6 gi6 ddi han du di6u ki€n tinh vdo von tu co cec klodn von var ddi han khdc C6 tuc trd cho c6 nhudn tl5 chia Ti6n chi ra mua cryhreffqut i€n thu cluoc do ban c6 ohi 31.227.220.00A 9.0+9.i10 000 218.3t7.623.120 _ _.(2i,121,2262_89) Hd Noi. ngd)' 19 thanc 0l nanr l0 I 0 Doc Lip bi6u - /nu /l/'/ Tru'<.r'ng Phong,, . 'i"'u ' tl"J ,/ I ^l // -,1 / l(t:Y""tt t 1-'- tl / ' /// i. _- \r__ ' _v ,?tj , i. " iVi;-f i lt1 t^(t1 I 59,625,923.200) Luu chuv6n fidn thuin tir t clOne tiri chinh Luu chuv6n tidn thuin i6n vi cric khoin tiAn tai thiri di6mdAu k vir c{c khoin tucns d ti6n tdn cu6i nim 487.515.896.361 5.900.285.529.062 I,r44,1r1,701) 6.387.80 1.125.123 Ngfln hing Thucrng mai C6 phAn Sdi Gdn - Hd N6i 36 77 - frAn Hung D4o - Q.Hodn Kiem - Tp.ilA NOi - Vi6t Nam BAN rrruYET MINH BAo cAo TAI crrixrr Ndm 2009 1. Thdng tin vO ngdn hirng Gifly ph6p hoat ddng 0041-NH/cp ngdy t 3 th6ng I I ndm 1993 ciSy phdp hoat d6ng do Ng6n hdng Nhd nu6.c Vi6t Nam cdp Tldi.lur hoat cl6ng cira Ng6n hdng rd 40 ndm ki5 ti' ngdy c6p gi6y phdp ddu ti6n. Iie I iing Quin tri 6ng D6 Quang Hi6n, Chrl tich Ong Nguy6n Vdn L€, Thdnh vi6n Ong Nguy6n Vdn Hii, Thdnh vi€n Ong TrAn Ngoc Linh, Thdnh vi6n Ong Phan Huy Chi, Thdnh vi6n 6ng TrAn Thoai, Thdnh vidn Ban Tiing Gi6m tli5c Ong Nguy6n Vdn L€, T6ng GiSm cl6c (T6i b6 nhi6m lai ngdy 0g rh6ng 05 ndm2007) 6ng fang Trung Dfing, Ph6 T6ng Gi6m ct6c (bo nhiem ngay 0l th6ng 09 ndm 2006) 6ng Bni Tfn Nghi, Pho Tong Gidm rr6c (b6 nhi6m ngdy 05 thiing 06 ndm 2007) 6ng L€ Ddng Khoa, pho T6ng Girim doc(b6 nhi6m ngdy 10 thring 04 ndm 2009) Sd 77 - TrAn Hung Dao - e.Hodn Ki6m - Tp.Hd N6i - Vi6t Nam 2. Eic di6m hoat d6ng cfra t6 chric tin dgng Ngan hdng Thuong mai cd phAn Sdi don - Hd Ndi (du6'i d6y ggi tdt lir ,,Ngdn hdng,,) ld m6t ngdn hdng thuong mai c6 phAn ViQt Nam thdnh lAp tai nu6c C6ng hda Xd h6i Cht nghia Vi6t Nam v6'i thd'i gian hoat d6ng ld 40 nim theo 0041-NH/GP ngdy 13 th6ng I I nim 1993 ciaNgdn hdng Nhd nu6'c Vi6t Nam. V6n di€u 16 cta Ng6n hdng tai ngdy 3010912009 ld 2.000.000.000.0000 vND (Hai nghin ty cl6ng ViQt Nim). Hdi so'chinh cira Ngdn hdng cluo-c ddt tai 56 77 - Trdn Hung Dao - e.Hodn Ki6m - .I.p.Hd N6i - Vi6t Nam. laingdv 3l/12/2009, NgAn hdng c6 1341 nhdn vi€n ( Cu6inim 2008: 844 nh6n vi€n). Trg s& chinh NgAn hing Thuong mai C6 phAn Sdi Gdn - Hn NQi SO 77 - TrAn Hung Dqo - Q.Hodn Ki6m - Tp.Ha N6i - Vi0t Nam T6m tit cdc chinh sich k6 torin chri yiiu Chudn mgc vir ctrt5 O9 k6 tofn rip dgng ' Ngdn hdng trinh bdy c6c b6o crio tdi chfnh bing ddng Vi€t Nam (VND) theo Ludt cric T6 chrjlc Tin dung, Ludt sila OOi va b6 sung m6t s5 clidu trong LuAt c6c To chuc Tfn dung, cilc chu6n muc ki| torin Vi6t Nam vd He thdng K€ to6n cdc to ch[,c tfn dung Vi6t Nam. Kj b6o crio vi rlcrn vi ti6n tp Kj'b6o ciio cria NgAn hdng U6t dAu til ngdy 0110112009 vd k6t thric vdo ngdy 3 t/l2l2009.Don vi ti6n td sir dung rrong ghi chdp kti to6n ld d6ng Vi6t Nam (VND). 3. Nguy6n tic ghi nhfln c6c nghiQp vg bing ngo4i tQ vi quy d6i Theo hd th6ng kti toan cria Ngdn hdng, t6t ci citc nghidp vu phiit sinh cria Ng6n hdng duoc hach toiin theo nguy6n t€. Tai tho'i di6m cu6i nem, tdi sdn vd cdng no- c6 ngu6n g6c ngoai t€ duo'c quy d6i sang VND theo ty gi6 quy clinh vdo ngdy l6p bing cAn OOi tti todn. Cdc khoan thu nh6p vd chi phi bing ngoai td cia Ngdn hdng duo-c hach torin bing VNE theo ty giavdo ngdy ph6t sinh th6ng qua gido dich mua biin ngoai t6. ch€nh lQch t'i gi6 do ctrinh giri lai c6c tdi kho6n kinh doanh ngoai t6 duo-c hach toiin vdo b6o c6o K6t qua Hoat d6ng Kinh doanh vd lo-i nhudn ec tai. ch6nh lcch ti giri ph6t sinh do quy cl6i c:ic tdi sdn vd c6ng no- khiic bing ngoai td sang VND cluo-c xir ly vdo doanh s5 cu-a circ khoAn muc tuo'ng ri'ng tr€n b6ng cdn OOi t<6 toiin vdo ngdy l6p biio c6o tdi chfnh. 4. Chrlng kho:in dAu tu giir tt6n ngdy ttio h4n Chri'ng khorin no- giff' ct6n ngay ddo han ld cilc chri'ng khoiin c6 kj,han cO dintr vd c6c khodn thanh torin c6 clinh hodc c6 th6 xdc dinh duoc vd Ban Tdng Girim d6c c6 y dinh vd c6 kh6 ndng gifr,d6n ngdy drlo han' Ngdn hdng dang ghi nhdn ciic chri'ng kho6n ndy theo giri g6c cdng l6i du thu trir lii chd' phdn b6. Gi6 tri phu tr6i hodc chi6t kh6u (n€u c6) cfrng duo-c ph6n rinh vdo giii tri ghi so cua khodn dAu tu. LEi duoc du thu hodc phAn b6 theo phuong phrlp duong thing. Chri'ng khoiin duo.c gifr'ddn khi d6o han sE duo-c xem xdt vd khi ndng gi6m giri. Chf'ng khoiin duo.c ldp du phdng gi6m gi6 khi giri tri thi trudng nho ho'n gi6 tri ghis6. Du phdng giAm gi6 cluo-c ghi nhAn vdo b6o c6o kt5t quA hoat ddng kinh doanh. s. Chring khofn ttiu tu sfrn sdrng aC nen Chring kho6n dAu tu s8n sdng Oe Uan ld ciic chring khodn duoc gifi'trong thd.i gian kh6ng 6n dlnh tru6'c, c6 thd ttuo-c biin dg $ap ri'ng nhu cdu thanh khoin hodc d6 rlng ph6 v6'i tru'd.ng ho-p thay d6i ldi su6t, ti giii, hodc giri tri chung khoiin. NgAn hdng dang ghi nh6n ciic chirng kho6n ndy theo giii g6c c6ng ldi du thu trir ldi cho'phAn b6. Gi6 tri phu trdi ho6c chi6t kh6u (n6u c6) cfrng ctuo-c ph6n 6nh vdo gi6 tri ghi so cua khoan cldu tu'. Lii duo'c du thu hodc ph6n b6 theo phuo.ng ph6p ctud.ng thing. Ciic chf'ng kho6n ndy duo-c d6nh gi6 dinh kj,theo giii tri thi trud.ng vd du phong gi6m giri tri Ngf,n hdrng Thucrng m4i Cd phin Sdi Gdn - Hd NQi SO 77 - Trin IJung Dao - Q.Hodn Ki6m - Tp.Hd N6i - Vi€t Nam s6 duoc ldp khi gi6tri thi trudng nh6 hon gi6tri ghi s6. Du phdng giam giri duo-c ghi nh6n vdo biio c6o k6t qu6 hoat cl6ng kinh doanh. 6.' Chf'ng khodn kinh doanh Cr'ung khoiin kinh doanh ld chrlng khoiin ban dAu duo'c mua vd n6m gifi'cho muc dfch kinh doanh trong ng6n han ho{c ndu Ban T6ng Girim ddc quy6t dinh nhu vdy. Ngdn hdng clang ghi nhAn c6c chfng khorin ndy theo gid gdc viro ngdry giao dich. Trong c6c kj,ti6p theo, c6c ch6'ng kho6n ti6p tuc cluo-c ghi nhdn theo giri g6c. Tuy nhi6n, giri tri thi trud'ng cta ciic chri.ng kho6n vAn duo'c Ng6n hdng theo d6i ec eann gi6 ve khd nang giAm giri khi giri tri thi trudng th6p hon giri g6c. Ngoai trt trud.ng ho'p khdng th6 x6c ctinh giri tri thi trud'ng mQt c6ch ch6c chin thi giri tri cfia chring duo-c tfnh dua tr€n nguy€n giii sau khi tri'di t6n th6t u6'c tinh (ni5u c6). Lai hodc 16 tir kinh doanh chri,ne khoiin duo-c ghi nhdn tr6n biio cilo ktit qui hoat d6ng kinh doanh theo s6 thudn. 7. Cfc khoin cho vay Ciic khodn cho vay ngdn han co k! han du6'i I ndm; c6c khoin cho vay vd cho thu6 tdi chfnh trung h4n c6 kj'han tir I ndm d6n 5 nim vd c6c khoAn cho vay vd cho thu€ tdi chinh ddi han c6 k.i han trdn 5 ndm k6 tir ngdy gi6i ng6n. Vi6c ph6n loai no- vd lAp du phdng nii ro tfn dung duo-c thuc hi€n theo euyt5t dinh s6 493/20051QD-NHNN ngiry 22 thSng 4 ndm 2005 vd Quyt5t dinh sd t8t2007teD-NHNN ngity 25 th6ng 4 ndm 2007 cta Th6ng tl6c Ngdn hdng Nhd nu6'c Vi6t Nam. Cric khoAn cho vay duoc ohAn thdnh nim nh6m no- cdn cri vdo tinh hinh trd no vd c6c y6u td dinh tinh nhu sau: Nhdm L' No du tieu chuan ' Circ khodn no- trong han md NgAn hdng d6nh giri ld c6 rlu khd n6ng thu h6i dAy dn ca gdc vd ldi dring thd,i han; o Chc khoin no- qu6 han dud'i l0 ngdy vd Ngdn hdng ddnh gi6 ld c6 kh6 ndng thu h6i dey dt g6c vd ldi bi qu6 han vd thu h6i dAy dn gdc vd ldi ching thd'i han cdn tai: hnum 2; Nct cdn chil j, . C6c khodn no- qu:i han tu l0 ngdy d6n 90 ngdy; r Ciic kho6n no- didu chinh kj,han trA no- Iin diu; o Ciic khoin no- co c6u lai thd'i han tri no- trong han theo thdi han duo-c co,c6u lai. Nhdm 3; Nct dwyi tidu ih'ro, o Cfrc kho6n no- qu6 han rir 9l d6n lg0 ngdy; , ' Cfrc kho6n no- co cdu lai thoi han trdr no lAn cfdu, trir c6c kho6n no- didu chinh ki,han trA no- l6n d6u phdn loai vdo nh6m 2; Ngffn hdrng Thuong m4i Cd phAn Sni Gdn - Hd Ndi 56 77 -'frAn Hung Dao - Q.Hoan Ki6m - Tp.Hd N6i - Viet Nam . C6c khoAn no- duo-c mi6n hodc gi6m l6i do khrich hdng khong du kha ndng rrd laidAy dn theo ho-p d6ng tfn dung: It{hdm 4: Nct nghi ngd o Cfrc khoAn no quii han tir l8l d5n 360 ngdy; ' ' Ciic khoin no- co'c6u lai tho'i han tr6 no'l6n dAu quii han du6i 90 ngdy theo thd.i han trd no duo-c co'c6u lai lAn ddu; . Chc khoAn no co'c6u lai thd'i han tr6 ncr lAn thri hai; Nhdm 5: Nq cd khd ndng mtit v6n . Citc khoin no quii han tr€n 360 ngdy; . Cftc khoan no co c6u lai thd'i han trA no- lAn ddu quri han tir' 90 ngdy tro l6n theo thdi han tri no'duo-c co'c6, lai l6n dAu; ' C6c khoin no- co' c5u lai thd'i han trA no' lAn thf' hai qu6 han theo thd'i han tr6 no- duo-c - co'c5u lai lAn thri hai; ' Ciic khodn no- co c6u lai tho'i han tr6 no- lAn thf ba tro' l€n, ki5 cA chua bi quii han hodc dd qu6 han; . Cic khoAn no- khoanh, no- chd'xu ly; Theo Quyi5t dinh sO +SZ|ZOO5IQD-NHNN ngiry 22 thSng 4 ndm 2005 vd euytft dinh s6 I8/20071QD-NHNN ngiry 25 th6ng4 ndm2007, eOi vO'i ciic khodn no- quii han, t6 chfic tfn dung ph6n loai lai vdo nh6m no c6 rii ro th6p hon khi Ngdn hdng d6nh gi6 ld c6 cfrt khd ndng thu h6i d5y chi cA g6c vd ldi; vd khrich hdng c6 tdi li6u, hd so chring minh c6c nguydn nhAn ldm kho6n no ndy quii han duo-c xil ly, kh6c phuc. Ngan hdng chri dQng tr,r quy6t dinh phdn loai ciic khoan no- vdo ciic nh6m no- rilti ro cao ho'n tuong rlng v6'i mri'c d6 riri ro khi xhy ram6t trong c6c trudng ho.p sau dAy: ' Khi c6 nhirng di6n bi6n bdt l-o'i til tiic ddng ti6u cuc d6n m6i trudrre kinh doanh vir lTnh vuc kinh doanht o C6c chi ti6u tdi chinh cua kh6ch hdng hodc khd ndng tr6 no- cta kh6ch hdng bi su1, giAm: ' Kh6ch hdng khdng cung cap cho Ngdn hdng ciic th6ng tin tdi chfnh kip thd.i, dAy du vd chinh x6c cl€.Ngan hdng rlinh gi6 kh6 ndng tra no- cira kh6ch hdng. Ngf,n hing Thucrng mai C6 phAn Sni Gdn - Hn NQi 56 77 - TlAn Hung Dao - Q.Hoan Kit5m - TP.Hd NOi - Viet Nam Du phdng rrii ro tin dgng: Vi6c tinh du phong cu th€ duoc cin cf' tr€n cdc ty 16 6p dung cho tilns nh6m no'nhu sau: Nh6m Logi I Nq cli ti€u chuAn 2 No. cdn chri 1i 3 No. du6'iti6u chuAn 4 No. nghi ngd' 5 Ne'c6 khd neng m6t v6n Tf lQ dg phdng cg th6 0% 50 20% 50% 100% 8. Tdri sin cd itinh Tdi san ct5 dinh cluo-c the hien theo nguy€n giri tru di kh6u hao lfry k6. Nguydn gi6 bao gdm todn bd c6c chi phf md Ngdn hdng phAi bo ra cl6 c6 duo-c tdi sdn c6 dinh tinh <l6n tho'i cli€m clua tdi s6n d6 viro trang thrii sin sdng sri'dung. Tdi sin cd dinh duo'c tinh kh6u hao theo phuo'ng phdp dud'ng thang cl6 tr* dAn nguy€n giri tai san trong sudt thdi gian hiru dung u6'c tfnh nhu sau: , ^' '.; - Nha cu'a, vdt ki€n trfc -M6y m6c, thi6t bi - Phuo-ng ti€n v6n t6i - DUng cu quiln lf vd phAn mdm tin hoc l0 - 25 ndm 03 - 05 nim 06 - l0 ndm 03 - 08 ndm Quydn su dung d6t duo-c kh6u hao theo phuo'ng ph6p dud'ng thdng phn ho-p v6.i Gi6y ch1rng nhdn quydn sri dung d6t. quy6n sri dung d6t vO tho'i han cluo-c ghi nhdn theo giri g6c vd kh6ng tfnh kh6u hao. 9. Ti6n vir cfc khoin tucrng tluong tidn Trdn biio c:io luu chuy6n tidn t€, tidn vd cric khoin tuong duong tidrn bao g6m ti6n, kim loai quli vd d6 quy, ti6n gui thanh torin tai Ngdn hdng Nhd nuoc Vi6t Nam, tidn gi,i kh6ng k! han vd co k! han tai ciic ngdn hdng kh6c c6 thd'i han diio hgn khdng quri 3 th6ng kti trngdy gni. 10. Cfc cdng cg tiri chinh phrii sinh Cric c6ng cu tdi chfnh ph6i sinh cluo-c ghi nhdn tr€n bAng cdn a5i te toiln theo giri tri hop cl6ng vdo ngdy giao dich, vd sau d6.duo-c tl6nh gi6lai theo giritri ho-p l1i. Lo-i nhudn hoac 15 khi c6c c6ng cu tdi chinh phrii sinh duoc thuc hi6n cluo-c ghi nhdn trong bilo crio k6t qu6 hoat d6ng kinh doanh. Loi nhuAn hodc 16 chua thuc hi0n cluo-c ghi nhAn vdo kho6n muc ch€nh l€ch cLinh giri lai cdc c6ng cu tdi chfnh plr6i sinh trdn bdng cdn AOi tt5 toiln vd duo'c k6t chuytln vdo k6t qui hoat d6ng kinh doanh viro thd'idi€m cu5i ndm. [...]... Q.Hodn Kitim - TP.Hd NOi - Viet Nam 13 Ti6n m{t, virng b4c, tl6 quy 31^2t2009 3U1212008 VND VND Ti6rr mdt bdng VND 85,089,744,03 8 47,357,350,394 Tidn mdt bing ngoai t6 53,906,039,03 I 20,r21,4s1,542 138,995,793,069 67,478,901,936 3U12t2009 31t12t2008 VND VND 920,131,576,609 2t6,116,747,098 920,131,576,609 216,116,747,0gg 31^2 /2009 31i1212008 VND VND TOng 14 Ti6n gfri tai NgAn hdrng Nhi nu6c Ti€n gf... qui ddu tu Siri Con - Ha Ndi C6ng ty c6 phAn bao hi€m SHB Vinacomin Cdng ty TNHII Son LAm r Cdng ty cd phdn clAu tu xdy duns C6ng ty CP th6 thao SHB Ed Cri ' :y qf phin cty cP quan Ij Nins Qu! dAu Ddu tu Tdi chfnh Nam C6ng ty CP 'fhuy sdrn LILAMA - SIIB l 1.000.000.000 ' t1% vi€t C6ns tv CP BDS An Thinh C6ng ty TNHH MTV quan ly no vd khai thric TS- SHB r 3 2.14% 5.000,000,000 r0.70% 501 000,000,000 1.500.000.000... Sii Ou cutii t y i3 'hring khoin ddu tu 19.l Chring khodn dAu tu sin sdng ati fen 31112 12009 VND Chf'ng kho6n No- do c6c t6 chfc tin dung 31t12t2008 VND 302,095,099,360 khilc trong nu6'c ph6t hdnh Chu'ng khoiin No- do cdc to ch['c kinh 16 |,502,201,582.963 955,000,000,000 1,904,296,692.323 955,000,000,000 3v12 12009 31112/2008 VND 'VND trong nu6'c ph6t hdnh Du phdng giim gi6 chring kho6n sin sdng de... Gdn - Hd NQi SO ZZ - Tlin Ilung D4o - Q.Hoan Ki6m -'l'P.Ha NOi - Vi6t Nam 17 Cho vay khrich hing 3Ut2t2009 ,: , nu6'c i VND ^ ' ^r Lno vay cac 10 cnuc Krnh te ca nhan trong , J 31tr2t2008 \TND 12,813,852,7 65,516 Cho vay bdng v6n tdi tro- uy thric diiu tu' 6,231,779,297,905 6,252,699,297,905 31112 12009 31^2t2008 VND - 20,920,000,000 12,929,7 49,070,949 Tdng 2,802,500,000 VND Phfln tich ch6t luqng... 183,154,559,361 11,832,818,87,1 14,501,169,491,132 9,508,142,250,599 long/ l5 25 Viin tii trq, iiy th6c tlAu tu, cho vay td chric tin dgng chiu rii ro 31112 12009 VND VND 70,000 24,649,670,000 870,013,864 823,262,213 31,884,183,964 25,472,932,213 31112t2009 3U12t2008 VND V6n nhdn tditro, riy thric cldu tu, cho vay bing VND -,; nhdn tai tro, ty th6c ddu tu, cho vay bdng vdng, Von 31t1212008 VND 3 I ,01 4,... 9,419,340,000 Dq phdng giim gi6 chring khodn kinh doanh (10,808,496,000) (14,1 67,588,000) 3,040,739,504,000 480,531,192,899 Tdng Thuy6t minh vG tinh tr4ng ni6m y6t cfia cric chring khorin kinh doanh 3U12t2009 VND Chf'ng khofn Nq: 3111212008 VND 0,000,000 474,839,440,889 3,031,610,000,000 474,839,440,889 19,938,000,000 19,859,340,000 8,000,000 9,4r9,340,000 3,03l ,61 ; - Lra nlem yet - Chua ni6m y6t Chring... l0 Ngin hing Thucrng mai C6 SO 19 phAn Sni Gdn - Hd N6i 77 - 'l'rAn Hung Eao - Q.Hoan Kit5rn - TP.l{d NOi - Vi€t Nam G6p viin, tliu tu ddri h4n Phin tich gi6 tri tliu tu theo loai hinh tliu tu: 31t12t2009 VND Ddu tu vdo c6ng ty con 31112t2008 VND 20,000,000,000 Ciic kho6n dAu tu vdo c6ng ty li6n doanh " ; Cac khoan dau tu vdo c6ng ty lien k€t Cdc khoan ddu tu ddi han khric 269,799,000,000 748,159,000,000... 600,567,500,000 I,008,477,000,000 6,323,67 4,065,745 2,945,975,032,363 Ngf,n hing Thuong m4i C6 phin Sii Gdn - Hn NQi SO ZZ - 'l'rAn Hung D4o - Q.Hoan Ki6m - TP.Hd NOi - ViQt Nam 16 Chring khofn kinh doanh 3U12t2009 31t12t2008 VND VND Chf'ng khoin Nq 3,031,610,000,000 474,839,440,889 - Chf'ng kho6n Chinh phri r ,040,500,000,000 170,351,200,000 300,000,000,000 304,488,240,889 - Chung kho6n No- do cdc to chuc tfn... 189,656,815 189,656,815 9; 2,062,220,624 1,000,000,000 1,000,000,000 I ooo,ooo.oo , - 349.962.376 1,347,436,915 t,347,436,815 ,,un ,399,1 9; 293,999,496,024 ty l4 22 Tdi sin C6 khric Don vi tfnh: YND 3U12t2009 31t12t2008 VND VND 69,007,311,153 7,998,889,1 l5 336,270,929,7s6 142,638,626,0s2 Tdi sdn C6 khric 209,624,061,411 641,193,181.488 T6ng 614,902,302,320 791,930,696,655 Chi phf xdy dung co'bAn dd dang... ph6i thu (*) Du phdng rrii ro cho cric tdi san C6 khric (*): Kh6ng bao g6m tii sin thu6 thu nhdp ho6n lai vd ciic khoin ph6i thu til c6c giao dich ndi 23 Tidn, vdng gfri cdc t6 chfc tin dgng kh6c b6 3Ur2t2009 VND 34,132,073,213 ^l tsang 10,093,536,034,377 Ti6n, ving gfri c6 kj' h4n - Bing VND - ^J Bang vang vir ngoai te Tdng 2a Ti6n gfri cfra 2,233,611,040,000 2,127,844,000,000 948,089,500,000 ngoai . virng gri'i t4i cic TCTD hhdc vh cho vay cfc TCTD hh:ic I Ti6n, vdng gui tai c6c TCTD kh6c 2 Cho vay c'6c TCTD khric 3 DU phdng riri ro cho vay c6c TCTD kh6c IV Chttng l<hoin. hing gANc cAiI DOI KE TOAN Ndm 2009 STT CIII TIEU CUOI KY 31112 12009 I]AO CAO 1'AI CIIINII u.itiso I]o2/TCl'D l)crn vi t[nh. I:X'D nAu ri 01/01 /2009 A. TATSAN I f idn m{t,. no.'Chinh Phii vi NHNN II Tidn gii'i vi vay ciia cdc TCTD khic 'I'i€n gtri cua c6c TCTD kh6c Vay c6c TCTD kh6c Tiin gii'i ciia hhich hhng Cic c6ng cg tii