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THUYET MINH BAO CAOrAr cHiNH HoP NsArCho Quy II ndm 2015

F'!SHBNgan hlng I MCP SdiCdn -Hn Noi

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

l. Th6ng lin va ngan hing

Giiy ph6p ho4ttl6ng 0041-Nll/GPngiy l3 rhiing II ndm 1993Giay phip hoat dAng do Ngan hdng Nha nudc Viet Nam capfhoi hcn hoat dong cia Ntsdn h,inB li 40 nam ke ru ngdl cip gi61 phepdAu ti€n.

Il6i dilng Quan tri

Ong D6 Quang Hi,!n

Ong Ngu;-6n vnn L€

Ong Trin Ngoc t-inh

Ong Ph4m Ngoc Tuin

6ng L€ Quang Thung

Ong D6 Quang Huy

Ilar ki6m sodt

6ng Pham I lda Binh

Ong Nguyin Hnu Drlc

6ng Biri l hanh T6m

I)l] Ngulin I hi Hoat

llan Tdng Gidm d5c

6ng Nguy6n Van L6

Ong Ding'lrung Ding

Ong Li l)ing Khoa

Ong Ngulin lJuy Tir

lld Ngd Thu tld

Ild Ninh Thi Lan Phuong

lli Dang '16 l,oan

tla Ng6 l hi V6n

'l ru sd chinh 56

Chn tich

ll\ vren

Uy vien

tly vren

]'hanh viCn ddc lap

Thdnh viCn

T6i b6 nhi€m ngdy 5 thang 5 nam 2012

T6i bii nhi€m ngdy 5 thdng 5 nam 2012

Tliib6 nhiOm ngey 5 thiing 5 nAm 2012

86 nhir:m ngay 5 thdng 5 nam 2012

86 nhiQm ngdy 5 thring 5 ndm 2012

86 nhiem vdo ngdy l9 theng 4 ndm 2014

Thdnh vi€n

Thanh viCn

'l hdnh vi€n'lhrinh vi6n

Tai b6 nhiCm ngdy

lar bo nhrgm ngay

Tdi b6 nhirim ngiry

86 nhi6m ngdy 24

05 th6ng 05 n,m 2012

05 thdng 05 ndm 2012

05 rhdng 5 nam 2012

rhang 04 nam 2015 Iill

lrT6ng Girim d6c

Phci T6ng Cidm d5c

Pho long uram ooc

Ph(r T6ng Ci6m d6c

Ph6 Tdng Gi6rn diic

Ph6 T6ng Giam d6c

Ph6 T6ng Cirim diic

K6 to6n tnrdng

Tdi bd nhiem ngay 2l thang 5 ndm 2014

86 nhiQrn ngdy 0l thdng 9 nam 2006

86 nhi6m ngdy l0 th6ng 4 nam 2009

86 nhi€m ngdy l8lhdng 02 ndm 2013

86 nhi€m ngdy l51h6ng 3 nrm 2011

86 nhi€rn ngdy 08 thring 06 nam 2012

86 nhiCm ngay 9 thdng I0 nam 2012

86 nhiQm ngdy I I thang 1l ndm 2014

77 - I-rin Hung Dgo - Q.l todn Ki6m - ]-P.Hd N6i - vict Nam

SISHBNgen htng t MCP Sli Gi'n Ili Noi

2. l)ic di6m hoet dong cria tO chir tin dgng

Ngan hang Thuong mai C6 phin SAi Gdn - Hd NOr (duoi day gai tir la 'Ngan hang ) te m61

ng6n hdng thrrong mai c6 phin Vi€t Nam thdnh lap tai nuoc COng hda Xa h6i Cht nghia Viet Namvor lhdi gian hoAr d6ng la 40 nlm theo 00,1I-NH/GP ngdy ll thang I I nam l99l cta Ngan hanS

Nhi nudc Vier Nam.V6n diAu l0 cria Ngan hAng tai ngay 30/06/20t5 ld 8,865,795,47U,U00 d6ng(Tim nghin td,n trim s.{u lam ti biiy lrAm chin lam rrieu b5n rrtrm biiy muoi nghin ddng).

ll6i so chinh cia Ngan hing dat tai 56 77 - lrin Hmg Dao - Q.Hoin Ki6m - He N9i - Vier Nam.

Iaingi)30/06/20l5.NBanhengc65.72qnhrnvidn(Diunam20l5:5.55lnhenvien).

J. l6m tit cec chinh sich k6 to6n chu y6u

Chudn muc vir ch6 dO k6 toin dp dr;ng

\ll;n hiint trinh ba) cdc biio ceo tai chinh bing di'ng Vidt Nam (VND, rhco Luit cae Td chrle

lrnLlrrng. Iuiitsuad0i !AbJ\untsrnJlsodieutrontsl.uatciic l6chuc I in dung. cdc chu,in muc kiloin Viit Nrm vd tlO th6ng K6 todn cric td chric tin dlng Viel Nam.

Ki bto cdo ve ddn vi tidn i6

Kj b6o ciio cua Ngan hdng bit dir.: tir ngiy 0l/01/2015 vii kCr lhuc vdo ngiy 3 I /03/2015. . Don

vi tiin td sri dung trong ghi chip k6 todn la d6ng Vidl Nam (VND). I u) nhi6n. lheo quy dinh tai-fh6ng

Lu 49/20l4,rfl -NIINN nSay 3l/12l2U14 cia Ntsen hang Nha nu6c, cdc so lieu tren Biio clio

lar,Jhrnh du.Ic lam tron ddn hing trieu vir trrnh bd) thco don \itrieu dong Viet Nam.

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

'lhco hQ th6ng kd to6n cria Ngdn hdng, t5t ci c6c nghiCp vu phiit sinh cua Ngan harng duoc hach

toin rheo ngu."-€n t6. Tai thoi di6m cu6i nim. tai sen rd cong no co ngu6n 86c ngoei le duoc qu)

d6i sang vNI) theo ri gi6 quy dinh vio nga) lip bang cin ddi k6 todn. Cdc khodn thu nhap ve chi

phi bing ngoai te cua Ngan hing duoc hach todn banU VND lheo ti 8id vao nga) ph6t sinh th6ng

qux giao dich rnua bdn ngoai te. Chenh l€ch li giii do diinh gid lai cdc lai khoan krnh doanh ngoar tC

duo-c hach loiin vrio beo ciio K6t qui lloet donts Kinh doanh rA lgi nhuAn di lai. ChCnh lCch ti gie

phit sinh do qu) d6i ciic tai sdn va c6ng ng khac bing ngoai 16 sang VND duoc xt ti rio doanh sd

cua cec khodn muc luong fn8 trCn bdng c6n d6i kii toen veo ngey lap bro ciio lei chinh.

5. Chri,ng kho6n iliu tu gii d6n ngey d6o hen

Chring khodn no gitr d6n ngay ddo han Id cdc chfng khodn c6 ki h4n c6 dinh vi cric khoiin

rhanh torn c(i dinh hoic c6 thd xdc dinh du{rc va Ban ldng Ctdm d6c co i dinh va c6 kha nang gin

d6n ngiry drio hqn. Ngdn hang dang ghi nhAn cac ching khoiin ndy theo gid gric cQng lai du lhu lrir

ta, .f,i, pfan U6. Cia tri phu troi honc chi6i khiu (n6u co) cing duqc phdn enh vao gie lrr tshi so cua

khoiin diu tu l-ai duoc du thu hotrc phan b6 theo phuong phdP dudng thing Chtrns khoan duoc

gir-r din khi rJrlo han se dugc xcm \il !i khd neng gia'n gid Chung kho'n duoc lep du phdng gram

gia tni giri,r, thi truong nhd h(m gie rri ghi s6. Dq phdng grdm gi6 dugc ghi nhan vao bao cao ['ri

qni hoal d6ng kinh doanh.

[''SHBNgen hing TMCP Sli (;dn llA NAi

6. ChriTg kho{n diu tu sin sAng d6 bdn

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

ddi lAi suit. ti gi6. hoac giri tri chfng khoiin. Ng6n hdng dang 8hi nh6n c6c chfng khoiin nay theo

giii g6c cclng ldi du thu tn) lai cho phan b6. Gid rri phu rr6i holc chii:r k}6u (n€u c6) cong duo. c

phdn dnh vdo gid tri ghi s6 cua khodn diu tu. Lai duoc dq rhu ho4c ph6n b6 theo phuong ph6p

drong thing. C6c chfng khodn ndy duoc denh gi, dinh ki theo gi6 rri thi rrudng va du phdng giam

giii tri se duoc lap khi gie tri thi truong nh6 hon gi6 tri 8hi s6. I)u phdng giam giii duoc ghi nhan

! i,, br^ (ro kcl quij hi)at d6nts k inh doanh.

7. Chi'ng kho6n kinh doanh

Chling khoen kinh doanh le chrrng khoiin ban ddLr dr-roc mua vd nirn gii cho muc dich krnh

doanh trong ngin han ho{c n6u Ban Tdng Gidm doc quyet dinh nhLr vAy. Ngan hants dang ghi nhan

(ic ching khoiin ne] lhco giii g6c \ao nga) giao dich. frong ciic kj liep theo. ciic chrng khu;n liaF

Lur rlu,le lhi nh6n thco gid goc. Tu1 nhien. gi6 tri thi trudng c0a ciic chfng khoAn van duoc NBan

h.rne rhc,' ddi di d,inh gii !i lhc nlng giirn gid lhi gia rri rhj rruong thip hon giii loc. \tsoai rru

lrronS hop kh6ng thC xdc dinh gi6 t.i thi truong mot cach chic chdn thi grd lri cua chtn8 duoc rinh

dua rren nguyen gie sau khi trir di t6n thit Lr6c rinh (n6u c6). Lai hoac 16 tt kinh doanh chfng

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

8, Cdc khodn cho vay vi fng trudc kh6ch hdng

Cdc khoan (ho rry \a ung rruo. khdch hang duo( c6ng b6 vi trrnh ba) lheo 16 dLI no Boc lai

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

,. Dr phdng r0i ro lin du[g

'l'hco Luet ciic T6 chric tin dung c6 hiCu lqc til ngdy I thrin8 I n6m 2011, qu16t dinh si,

I617 2001 QD-NHNN ngay 1t lh6nu l2 n,m 2001 cuc lhon8 doc \gan hang \ha nuoc \C \iac

ban hanh Quy ch6 cho vay cua Td chuc tin dung diii vdi Khach hnng vd cric quyit dinh sna dor

Quy6r dinh s6 16271200I/QD-NHNN Ngin hdng phdi thuc hicn phan toai ng. trich lip du phdng

rur ro lin dung.

NB?rr- I rhdng 6 na,n 2014. Th6ng tu s6 02/201 l,rfT'NI INN ve th6ng tu s6 09/20 14,'ft-N HNN

qu1 dinh vi phin loqi tei sirn c6. mtc trich. phuong phdp trich lap dq phdn8 rni ro va viCc su dung

rJd xn Iy'rni .o trong hoat dQng d6i voi 'I'CTD !a chi nhdnh Ngdn hdng nudc ngoei chinh thtrc c6

hieu l\rc. Ap d!'ng Dieu 8, Th6ng ttr s5 02/2013/m-Nl INN, lrong vdnB l5 ngdy diu tien cria qu1

lll. Ngdn hing se hoen thanh viCc tlr phan loai no va trich lap du phdng rii ro cho s6 du ng lai thoi

drim curir quj ll va se ghi nhan chenh lOch dq phdng phel sinh leo biio cdo lei chinh ri€ng qui Ill'

56 liCu duoc lrinh bay lr€n beo ceo 6i chinh gita niCn dO nay ld k6t quA phan loqi no va trich lap

du phdng cho s6 du ng tei thoi di6m cu6i quy I theo qu,v6t dinh s(i 493/2005/QD-N| INN ngi)- 22

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

l

*!ISHBNp0n hine TMCP Sni Gdo - lti N0i

),lhii nuoc vd viec phen loai nq. trich lilp vir sr:r dung dr phdng de xu li rui ro tin dung trong hoal

d<lng ngAn hdng cua t6 chfc tin dung Theo d6. cec khoan cho vay kh6ch hdng duoc phan loqi lheo

cac rnirc dg riri ro nhu sau: Ng di tieu chu6n. Ng cin chti !. Nq dudi ri6u chuan, No nghi ngo va

No c6 khd nang 'n6t

v6n dva vao tinh trang qud han vir cac yiu td dinh luong khac coa khoen cho

vo),.

Cac khoan no duoc phen loai la \o duoi lieu chuan, No nghi ngo va Nq co khi ning mdt vdn

dLroc coi Id no xAu.

- D'r phdng cu thi

I)u phdng cu thd dugc trich lap tren rui ro tin dUng thuin cua cdc khodn cho vay theo ljtu(rn8 rrng voi tirng nh6m nhu sau:

I

No duoi tieu chuin

Ng nghr ngo 50%

Noc6 khA nans mat v6n 100%

Rui ro tin dtng thuin cria cdc khoan cho vay khrich hang duoc linh bang gia 1r; cdn lqicia ciic

khodn cho vay trir giii tri cua tdi sen diim bao dE dugc chidt khiu thco cdc ry te theo quy dinh trong

quyir dinh s5 493/2005/QD-NI lN N. Quy6t dinh sO I8/2007/QD-NHNN, th6ng ru 02120l3rll-

NIINN

Dq phdng chung

Ngen hang thuc hiCn lrich lap vi duy rri du phong chung bing 0.?5ozo l6ng gid tri c6c khoan no

drrm phin loai ti nh6m I d6n nh6m 4. lru cdc khoan tiin gii tat 16 chuc tin dung trong nuoc. chi

nhanh ngen heng nudc ntsoai tai Vi+l Nirm theo qu) dinh cua phdp luel. tian 8ui tai ld chi( lin dung

nuoc ngorii va c6c khoan cho vay. mua cti k1 h4n giil to co Bid d6i voi to chuc tin dyng, chi nhrinh

ng,rn hring nu6c ngoai kh6c tai ViQl Nam.

l)tr phdng rr]i ro lin dung lai Campuchia vd Ldo eP dqng theo quy dinh hien hdnh cia NHNN

('Jrnp chiJ \r I iro trong lj bdo cdo luon8 trng.

10. 'Iii sin c6 dinh

lii san ca' dinh duoc lhd hiin thco ngu)en gi6 tru di khiu ha,r I[] kc. Ngu)en gia bao Sonr

roin be cic chi phi md NSan hang phdi bo ra dii c6 dugc ldr sen cij dinh tinh d6n thoi didm dua tai

srn d(i v:ro lrang th6i sin sirng su dqrng. Tdi san c5 dinh duoc tinh kh6u hao theo phuong phep

dudng lh;ng d6 trir din nguycn gid tiri sen trong su6t thoi gian h0u dung uoc tinh nhu sau:

,I

'i

xi

)

No di ti6u chuin.

Nq can ch[ Y

1\ lt: th tht)ng (l tlk)

0%

5%

.+

200/.

5

6.tSHBNsin hAng TMCP SAiCdn llANoi

- Nha cua. vat ki6n trtc

- Ma) rnoc.lhret br

- Phuong li6n van tei

-'l'hiiit bi van phdng

- l'ei san c6 drnh hiru hinh khdc

' Phin m6m mri;- tinh

- lai snn c6 dinh v6 hinh khric

25 nAm

03 - 05 naln

06 - l0 nanl

03 - 07 nam

04 07 nrm

03 - 08 ntrm

02 - 20 nam

Qulin su dung ddt duoc kh6u hao theo phumrg phnp duong thing phi hop vdi Cia) chintnhdn quy6n si dung d6t. Quydn su dung ddt v6 thdi han duoc ghi nhan rhco gi6 g6c va kh6ng rinh

kh6u hao.

I t. Tiinvlc6c khoiin tuong duong tian

l'idn vd cdc khoirn tuong duong tidn bao gdm tidn m{t, vang, d6 qui. tidn gLir thanh roen tar

NllNN. tin phidu Chinh phri vd cric gi6y to c6 gid ngin han dri diiu ki€n chr6t khiu voi NHNN. cickhoiin trin gtrr thanh todn vA lian gui. cho !a) lqi cec lo chic tin dung khdc c{i lhoi hqn dilo hen

kh6ng qud I lh6ng k6lir ngay gtr.

12. Cdc cdng cu tii chinh phSi sinh

Cic c6n8 cu lar chinh phii sinh duoc ghi nhan rr€n beng can d5i k6 rodn rheo gid lri hop donB

Yio ngriy giao dich. vd sau d6 duoc denh giii lBi theo g16 tri hop ly. Loi nhuan horc 16 khi cd,; eong

cu tei chinh phiii sinh duoc lhuc hien duoc ghi nhan rrong bao c6o lit qud hqat dOng kinh doanh

I .ri nhuin hoac t6 chua thuc hrgn duoc ghi nhin vdo khoen muc chenh lech danh gid lai cdc c6n8

cu rai chinh pher srnh rr6n bdng can di;i ke todn va duoc ket chuyin vio kir qua hoal ddng kinh

doanh vao rhoi didm cu6i ndm.

lJ. Ghi nh6n thu nhap/ chi phi l6i

Ngr)n hdng ghi nhAn thu nhap tir lai va chi phi lai trin bdo cdo kir qui hoar dgng kinh doanh

trin co so du thu, du chi.

l.l. Ghi nhan thu nhap tir phi vi hoa haing dich vg

\gin hinS lhu phi tu cac dich ru cung cip cho khiich hing. l hu nhap tir phi c6 lh6 chia thanh

ciic nh(im sau:

F'SHBNg:itr hlns'I MCPSiiGdn -}In Noi

. Phi lhu ti viqc cung ciip ttich vu trung m1t thoi gion nhiil arinht phi rhu rir viCc

cung cip dich vu rrong mot thor gian nh;r dinh duoc du thu trong su6t thdi gian d6. phi ndy

bao g6m phi quan l)'. phi nhan u],thdc. hoa h6ng vi ciic phi lien quan d6n cip tin dung.

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

. Phi thu ti viec cung cdp dlch vr| giao /icr.. Ph i phnr sinh tn viCc dam phen vd tham

gra ddm phiin ciic giao dich cho m6r b€n tht ba, vi du nhu dan x6p vi6c mua c6 phin hoac

ciic loai chirng khoiin khac hoSc mua lai doanh nghi€p. dugc ghi nhan khi hodn rit giao

djch li0n quan. Phi hoec m6t phin crla khodn phi nay c6 liOn quran d6n vi€c thuc hiin m61

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

a\)

/

FFq

,-

i

_--tr -it: .,J

:!l,l

..s

!!h

'G

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= : t.o ! E i n Ers = i: = r; E o:!S € .oEFs€e-.E

*l P P E'E d o n.osn -. :o - ' -o!{ N F j n F

z

;;

(,g)a

r^!6l.:

=a

,ii I d4 ..i o - a.a.i

,:, sieldlI

z

5i

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2

-e EF = E :.: 9

=. 1 6 C .= = I .;r P E u aY 94€= ' 2 5' !E E -z

'E E'; E E €"; T:: 5 :j .=Ei E 5 E'3-:1 =- EE;E ! ; =AE'E€ - ,=.

r"! er"! .E .E: F E-E.*EEEE.';? I,*':'s E.r E ;!,nni,e;;:,E!EffE =

_ ;; ',6 ri E iE 9" E .3 - : E + E . d =.

..Er- jij?ii"-.EiFUl!= :C€ F

F

z

I

R

(,BraaP-i .E

-i

[!ISHBNp6r hlnr ]-MCP Sni Cdn llir Noi

16. 'Iidn m{1, vnng bac, dd quy

30/06t2015 3t/12/2014

17. Ti6n giri tai Ngan hing NhA nlllic

I ien gui rhanh toen tai NBan heng Nhd nudc

I rcn gur nhonE loa (ncu co)

Iiin gni khric

lll.'t iin, rAng giri tai c6c t6 chuc tin dgng khdc

I iin mdt

Kim loai

bing VND

bing ngoai td

qui. da qui

l iin, fins Rii kh1ns kjr hpt

- Iling vNI)

- Bang ngoar lq. vanP

Tiin, ving gni cd kj, htn

- Bing VND

- lrang n!o4r lc, vanE

(lho va]

Ilin-s VNI)

lJrng nloar lq. !ang

Du phdng rni ro titn g'ii vd

kh6c

2,5.1I,71',I 1,146.049

561,102

405,874

t26.510

471 .115

273,1t9

57, t39

1,093,686 80r,433

30to6t2015 3t/t2t2otl

2,511,111 1J46,049

30/06/20rs 3t/12t2014

cho vrv TCTD

5,504,648

4.855,022

649,626

11,0,15,020

I 1,0i5.137

9,881

2,000,000

2,000,000

(s,137)

5,611,663

3,670,396

2,007.261

1E,EIE,E85

18.805. l]7

8.748

4,999,952

4.745.000

254.952

(s,137)

18,544,531 29,,191,363

r' SHBNgen hnng'rMCP Sni Gdn - tln NOr

19. Crc c6ng cI tii chinh Dh6i sinh vd c:ic tii san tei chinh kh6c

T6ng gtd lricia hqpding (theo ty gid nsdy

ht(u trc hap dong)

T6ng gid bi shi si kA bAn(theo ti Eid tqi ngAy l1p bdo c.;o)

Tai sdn C6ng nq

Tgi ngiy 30 thdng 06 ntrm 2015

COng ct TC lthtii sinh tiin tGiao dich ki,hen tidn tc

Giao dich hodn d6i k, han

T?i ngiry 31 thing 12 nnm 2014

LOnP C4 lL pnot Stnh uen lP

Ciao dich ki han tian te

Ciao dich horin d6i kY han

20. Cho vay kh6ch hang

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

Cho !a) chrir khiu thuong phr6u vi cric gi6yrd c6 gih

C6c khoan lrd thay khech heng

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

Cec khoan phdilhu giao dich cht?ng khoan

CUA SIIBS

5,796,727

534,959

5,26t,768

4,194,rJ0

2.606,885

r.887,245

18,61I

5,t60

r3,45l

7,832

3.031

4.801

3|12/201430/06/2015

I17,668,839

6.6t6

t6,r84

7 ,959

103,206,080

t.34',7

81.942

649,085

1,700

142,560t16,532

118,600,190 104,095,714

l0

F'SHBNgin hlns TMCI'Sli Ga'n Hn Noi

20.1. Phen lich chit luqng nd cho vay

No du ti6u chuan

No cin chi jN!' duoi ti€u chuin

Nq nghi Dgd

No co khi nrng mit v(in

30/05/2015 3t/12/20t4

I t3,4E4.2a4

1,993,931

8E9.283

420,959

1,63s,t97

99,864,42t

t,9 79,359

262,t54

356,024

1,488,896

r 18,423,65t t03,95t,454C6c khodn

AMCCdc khoincua SIIBS

I) lC no

t76,532

1.700

142,560

REPO v6i khech hdng cia Stlll

phai thu giao dich chrmg khorn

11t,600,190 10,1.095.714

30/06/2015 3l/12/2014%

lv la no quli

'I'i le no xiu

4.t6yo

2.4ayo

3.97yo

2.02%

han

tl

I'SHBNsen hlng TMCP sliCdn HiNoi

20.2. Phen tich dunq theo thdi gian

N!, nsin han

No lrung han

Nq daih+n

Cdng lv Nhd nu{rc

COng t] TNH|l Nhd nu6c

C6ng ty TNHH khec

C6ng ty c6 phin v6n Nhi nudc

C6ng ty c6 phin klr6c

Cdng ly hop danh

Doanh nghiep tu nhan

Doanh nghi6p c6 vitn diu tu nlr6c ngoiri

Hqp ric xe va liCn hi6p hop t6c xa

l16 kinh doanh, ci nhan

Thenh phin kinh 16 khec

C6c khoan Repo v6i kh6ch heng cua

c6ng ly 'l-NHll MTV Quan Ii nq ve

khai thic taisen SHB

C6c khoen phdi lhu giao dich chingkhoArr cia C6ng ty CP chung khoiinSIIB

3Ul2n0t4

ftieu VND o/"

30to6t2015

Tri(u ding3t/12/2014

5 t,480,468

34.992,41I

32.t27,3tt

45,442,tOt

33,E30,159

24,t23,454

r16,600,r90

20.3. Phan tich du ng cho vay ih€o d6i tuvng khich hing vA loai hinh doanh nghiep

t04,095,714

30/06/20 t 5

trieu YND

5.323,2t9

9,065.562

24,040,392

t,6E7,s2l

48,479,524

8,I I8

1,092.235

I15,555

73,22t

19,it7.305

2,200,928

4.49Vo

'7.64Vo

20 27%-t.130/,

40.8t%

0.01%

0.9?o/o

0.lovo

0.06%

t6.30%

LE6%

0.00%

t7 6,532 0.t5vo

3,804,855 3 66%

6.312,135 6 06%

20,95E,057 20.t3yo

6,653,68r 6.39Vo

46.907,729 45.06Vo

5,113 0.00%

I,3t4,026 1.32Vo

52,077 0.05%

6 t,581 0.0604

16.'/32.109 t6.07vo

1,089,191 |.05%

r,700 0.00%

t42,560 0.t4yo

rl8,600,190 100.00% 101,095,71,1 100.007"

tz

r'SHBNg6n hnng TMCP SliCdn Irn Noi

20.4. Phan tich du nq cho vey theo ngenI kinh t6

N6ng nghidp va lam nshi6p vn rhu,- san

KhaikhoangC6ng nghiep ch6 bi6n. chii tao

S,n xuir vI phan ph6i dren, khi diil, nu6cn6ns. hoinudc va diau hda kh6ng khi

Cung cip nrdci hoar dong quin Iy va xu liric thiii. nu6c thiiX6y dung

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

Ven rii kho bai

Dich v! luu tru va an u6ng

Th6ng trn vi rruvin th6ng

Ho?l dong tajchinh, ngAn hdng vA bAo hi6m

Ilorl d6ng kinh doanh bdr d6ng san

Ho4l dqnB chuldn m6n. khoa hoc ve cdngnghe

tloal d6ng hanh chinh va dich vu h6 rrq

Hoal d6ng cria Drng C6ng sdn, 16 chfcchinh rri - xa h6i, quan li nhd nuiic, an nrnh

qu6c phdngi bao dem xa hoi bit buoc

Gido duc vd ddo leo

Y ta !i hoar d6ng trq ginp xa hoi

Nghe thuil, vuichoi va giai riIloar d6ng dich vv khnc

Hoqr d6ng I;m rhu€ c6c c6ng viec trong cac

hO tsia dinh, sin xuit san phAm v6t ch6r "ddich vu tq riau dnng cna h0 gia dinh

Cdc khorn Repo vdi khach heng cta c6ng

r) -INIIH MTV Quen li no vi khai thrc tAi

sen SllaCbc Ihoan phri rhu giao dich chrmg khodn

cua Cong Iv CI, chLrng khodn SHB

T6ng du nn

30to6t2015

Triiu ding25,168.328

6,044,308t8,055,333

s,t6t.4E5

3t/12/2014

10 l fteu aohg

,n % ,3,38r,%55 100/"

15.22%

4.35%

0.0s%

t5 2t%

t5.l4vo

2.700/o

0.83%0.09vo

t.tto/o

'l.4to/o

0.03./"

t.35%

0.0to/"

0.02vo

0.09vo

0.tovo

9.140/o

0.02yo

0.000/"

0.15%

5,080,03814,600,473

2.607,5t5

22.4'tvo

4.8Evo

t 4.03%

2.50vo

61,603

lE,0l3,4r s

17,957 ,7 42

3,207 ,t7 6

982,510t0t,945

1,398,594

8,786,989

34,647

I,596,703

10,051

29,460

r0r.639

12t,144

I t,551 ,247

18,639

2t,609 0.03vo

t5,2t9,800 14.690A

16,212,150 | 5.5 |Vo

3,2E0,4E2 315%r,E3E,t 53 I 17%

91,836 0.09yo

1,095,445 1.05vo

7,952,334 7 .640/0

40,624 0.04%

l,0l1,934 0.99%

3,9E0 0.00%

31,0E6 0.030/o

91,504 0.09%

45.112 0.04%

t t,21E,922 t0 7E%

20,062 0.02vo

1,700 0.00%

t42,560

(

1t6,532 0.t Avo

rt,600,r90 100.00% 104,095,714 100.00%

ll

醜 SHBNgan hang TMCP Sai Con_::】 Noi

21. Ching khoin dau ttrsin sing de b`n

crr′″g″力οイ″Л彎7

Chtrng khoan chinh phi

Chtrng khottn NO do cac TcTD khac trOng nu“

phit hanh

Ching khoin NO do cac rCKT trong ntrdc Phit

hanh

C‐Jl′″g′rlο

`″

レo″

Ching khoin V6n do c`c TcTD khic trongntroc phit hanh

Chtrng khoin V6n dO cac TcKT trong ntr6c phit

hinh

Dr′rrう″ggtt gだ`rfヵ

″gl力 0`″ 9ri″ sa″g`′

b″″

30/06/2015

ル″ングδ″g

31/12/2014

77'′″グ∂″g

5,620,126

2,368,115

53,003

3,199,008

48,113

11,689

36,424

(17,698)

5,746,693

2,135,034

54,909

3,556,750

48,113

11,689

36,424

(33,606)

5,650,541 5,761,00

Ы SHBNgan llang I McP s、 i Cδ n-lIヽ Noi

22.Ching khoin dう u ttr gi■ den ngay d10 han

Chring khorin Chinh phn

Chfng khodn Ng do cdc 1'CKT trong nudc PH

Du phdng gidm gi6 chung khodn tliu tu giI tliinngiy diio han

30/06/2015

rr,′″グ∂″g

31/12/2014

rr′′″グ∂″g

7,021,879

5,790,445

(394,718)

2,806,642

5,236,685

(333,429)

12,417,606 7,709,898

15

TdSHBNgin hing lMCPSli Cdn - Hi Noi

2J. G6p v6n, diu tu dni hqn

Cop v6n li€n doanh

C6c khoen dau tu dei han khac

Du phdng gidm gi6 ddu ru dni han

30/06/2015 3t/1212014

324.302

(17,069)

34 t,59;(20,55E)

307,2J3 l2l,0J2

,it-l

?l

"l

"n

n-n-i + -<<

I6,.

6rQr

--fra ..1 =<

1

")o-c; I -<

61 €- fi r >

,5:7l

fss.i .i. : i.s 7! -: X ,- 'i -" F.^: r "E! i .-.:: .-L] i.-.-.

l-:

: E.: Ei:i= E !i =€E"?g:= E ii*;ii'1: .EI Pr : :; 5'!tI ! r'!H;t",E i1i ; s FF

e A;;; + E f;i+ i; 5;;= 5;q + i ; u ! EF

iaa3

,i:E

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!

=Y _

g=s--

.ir

Fi

E'E 'ir-r.i.-d:

ar - _F

d=:

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I

F

(

arE

"E

: E "9!*E^!F,: ;: ? = ':- i .=SE

E:!:; SEEEi iE;;.:r E":t riir ij6 3:i.! ': =+ Je 3-E= s= 3 i3=-:.E"€:S< e e ++ElEijsis:r:EsiS:Egi=.

7 n : - It::-o-i-::io-F

zt

F

i5.z

,i

vts:+T"aEG.i.y

E"' S fIBNpen hlng TMCP Siri Cdn IIn Noi

25. 'fii srn cii dinh v6 hinh

- l ing, gidm tdi san c6 dinh v6 hinh ki ndy:

NgurGi giri

Sii dudiu ki56lIng trong ki

- lnngkMt

Tht hli nh&ns bdn

s,i au cuiiitriGi,i trihao ndn lui k6

sii dudiu k!S,i ting rrong ki

S,i Ri:im irong ki- lhuhh lf nhtnq tun

sii a''c,6itriCii lricdn lai

T?insi\ diu [jIqinsi\ cu6iki

QUrin sndrpng

ddr

Tiisin c6 dinh

v6 hinh khnccons

J,629,591 119,022

725

725

.],E{t,t09

725

725

J5,{91

J,629,59.1 179,711 35,19J J,E{.1,8J,t

5,J12

7E

78

t03,J,tl

t3,39?

t3.t97

tJ,590

r€.]7

1,837

tzt,265

t5,ll2ti.3t)

5,r10 ll6,7{0 15,127 t17,577

J,62{,262 75,679 2 t,90J 3,72t,8{t

'i

3,62{,18.1 6J,007 20,066 J,101,751

19

$'SHBNeAn hing 'I MCP Sni (;dn - lIn N6i

- 'l Ine, gidm rni sAn cii dinh v6 hinh ky trurc :

ourin.ndunq^., , . -. teidnc6dinh 'n""'no"'""0"'' ;' Phin mam liritrh ConSdtl rd hinh khic

Ngu)en giis6auaiunlm

Tlnnhh\nhnnghdn

s,i rlucuiir ntm

Ci, rrihro mdn lui k6

sri auaiu nlm

Ihuhh li nhrns h;n

siiaucuiiinlrnCii rrican hiIri ng,r dir nlm.Iai

trslr (u,ii nI m

3,629,59t t9E,.r9{

t5155()1.9)7)

l?,608

12115)

J,86s,696

ti.155

47.41))

J,629,591 t79,022 l.Elt.t09

s,l7{ l0J,5J9

28911

t29,t)9)

,39t

16r20,rr)l397

6121'IOJJ,IJ tJ,590 122,265

3.62{,{20 26,210 J,715,$t5

3,62t,262 13,679 21,901 J,72t,&{

20

議鵡SHBNgan hら ng TMCP Sal GOn― Hぬ Noi

26 ・「

】isin C6 khic

Cic khoan lal,phi phai thu

C▲ c khoΔn phaithu

Dv phOng rtiro cho cic tai sin c6 khac

「 aisan c6 kh`c

27. Tien,vぬ ng g“ vi vay cic tO ch`℃ tin dlng khic

―TiOn,ving gul cia c`c t6 chic tln dり ng khic

ric.,ッ allg g″′lJI∂″gt,Jlg″

―Bttng VND

_Bang vang va ngO,l te

ric“,ッ a″gg″```,力

F″

―Bang VND

_Bang vang va ngoaite

‐ I｀iCn,vう ng vay cic tO chl℃ tin dlng khic

―Bang VND

―Bing vang va ngOIIte

1 6ng

30/06/2015

rr′ 9ン グ∂″g

31/12/2014

rr′′″′∂′g

8,033,676

1,461,854

(55,517)

6,176,860

6,921,697

1,574,121

(51,997)

5,939,000

15,616,873 14,382,821

30ノ06/2015

ルj´ング∂′g

31/12/2014

『r'′

“a∂′g

5,2,9,3r6

5,206,589

52,727

9,πttfイイ

9,130,000

608,144

4θJ9,θθ8

3,987,469

51,539

ノ乙イ6乙イr2

17,000,000

467,412

14,997,460 21,506,420

30/06/2015

77'′″あ″g

31/12/2014

rr,′ 2rグδ″g

1,786,073

435,297

4,827,485

1,808,986

2,221,370 6,636,471

i'1NgAn

SHRhntrg TMCP Sli Gdn - ll) Noi

28. 'l iin gih cda khdch hdng

'l i6n, virns gni kh6ns kY han

- f iin gni kh6ng ki hEn bing vND

- Iiin gti kh6ng k! hEn bing ving, ngo4i

'[ian, vnng gni c6 kY h4n

'Trin 8ui co ki han bing VND

- 'l'i.n gin co ki, han bing vang, ngoai re

I rcn gtll von cnuycn oung

Tidn eui k{ qui

Chuydn tidn phdi tri

29. C6c kho:in nq khrc

Crc khoin phdi rre noi b0

C6c kho,n phai lrA btn ngoai

thui'INDN hoan lai phdi lrd

J0/06/2015 3l/12t2011

re

14,322,991

12,327,295

t ,995,702

126,036,90E

1. t64,936

t t .81t .912

466

587,362

12,180,210

)0.1t2,671

t,667,533

109,119,814

10,120.752

5J

1,054,7tJ

t2,169

140,911,733 123,221,619

30/06/201s 3t/t2l20tt

21,t06

591,102

216

7,828

556.971

461

615,424 565,261

2?

Al

\l

.l'I

I

5--!!OO".i;-tiutduivi

9rl:.1 ts:t=rn+!1

\o- = >< @"

Ivir;3

€-4..PE2E.- .>= = ; '?

r -ir Mrcs a ._"EFE"E=!= a=':E E S E 35EtEau

L)'€

A

.t

Sa

!. oa:o E.:d

3: -

d.r

U

!-E

*.oF

E:99i5.z

-

PrF*=

7.

}'SI{BNsin hi s IMCPSliGdn -IIi Noi

31. Thu nhap lni vir cec khoin thu rhap tudng lg.

hi ticn gni

Quj II.20l5 Quf II.20l4

'I hu

Ihu

479,355

2,301.609

209,445

r60,5 tl

96,981

2,028,048

234,111

ll9,653

Thu lai tir kinh doanh,

lhu khiic ti hoat d6ng

ddu ttr chr?ng khoiin Ng

tin dung

J,r56,922 2,479,{ll

32. Chi phi lei vi cec khoin chi phi tudng ru. .

ItA lii tiCD gui

lia I,itian vay

lia lei phat hanh Biiy to c6 gie

Chi phi hoat d6ng tin dung kh6c

ll. l,iil 16 lhuiin tn hoqt dong dich vu

Quy II.20l5

TnQu ding

Quf II.20l,l

Triiu ding

(2, t94, rs4)

( r5.i70)

( r04,840)

(1,680)

(r.664,00r)

(24.147)

(7.410)

(2,3r6,044) ( 1,719,163)

lhu phi dtch vu( hi phi dich vu lien quan

l,eil 16 thuin tU hoet dong dich vu

41,'778

(6.467)

38,3I I

Quf lI.20l5 QUY tl.20l4I rtcu aong

- tr4)61( 12.995)

I I1,169

71

l' SI{BNgin hine l MCI' SAi Cdn - IIi NOi

34. l,ni/ 16 tirchimg khoin kinh doanh

Thu nhi-p tu mua bdn chring khoin kinh doanh

Chi phi ri mua bdn chung khodn kinh doanh

Du phang gidm gid chung khodn kinh doanh

L5i/ 16 lhuin til mua bin chri,ng khoin kinh doanh

35. Ldil16 tn chimg khodn dlu tu

l hu nhep tu mua biin chimg khorin diu tu

Chi phi giam giri chimg khodn ddu tu

Liil 16 thuitr tri mua bin chring khoin tliu tu

Quj II.20rs Quy II.20l4

4,628

(2,570)

t 1.92s

( r r,02 r.)

2,05t 904

Quj II.20l57 ri€u d6ne

398

(s2,243)

Quy II.20l1I rteu uttnq

t.5t9

(9 r.095)

(sr,84s) (89,575)

f) Li ti hodt da,ng kinh tloanh chting khodn diu ttt cht yiu lit do SHB trich ldp dn phing giimgid chting khodn rrong b)

25

r'' SI{BNprn hnnC'I MCP Sli Ct'n - lli Noi

36. LaV 16 thuin rnr ho?r dong kinh doanh ngo+i h6i

'l hu nhap dr hoqt dong kinh doanh ngoei

Chi phi hoat d6n8 kinh doanh nSoai h5i

Leil 16 lhuin rir ho?t dong kinh doanhhili

ngofr

QUY II.20l5 QUY II.20l,l

h6i

(40.60t)

61,940

(3l,9 rE)

rO,EE4 2t,022

)

\

I

I,

26

r' SHBNeen hane 'I MCP Sdi Gdn - ]In Noi

37. Chi phi hoat d6ng

Chi nop thu6 vi cric khonn phi, Ie phi

('hi phicho nhin vi€n

Chivi tai san

Chi cho ho?ldong quan lti c6ng v!Chi ndp phi bao hiam. bAo ddm tiin gui cua kh6ch

hang

Chr phi du phong (kh6nts I rnh chi phr du phdng rur ru

liD dung n6i v,r ngoai bdng: dU phdng grAm gi6 chtn8khodn)

( hi phi hoat d6ng khec

Quy II.20l57ri6u ding

Quy II.20l4

(1.237)

(201,902)

(88,8E7)

( r6,935)

(24.014.)

(3,471)

(4,004)

(r20.721)

(8?,357)

(5r,649)

(17. {)

( r. r96)

(578)

(342,478) (2r4,619)

\

,

21

r''SHBNgen hlnp TMCP Sii Gdn - llA Noi

38.'Iian va cic khoin iudng iludrg tidn

'I'iin miit vd cic khodn tuong duong tian tqi

Tidn gui taiNgAn hAng Nhd nuoc

l ian 8ui tar TCTD kh6c kh6ng ky han

I iin Bur lar cac lo chtc lin dung khdc (6 lhoigian drio h4n dLr6i 3 thring

l0/06/2015 3vt2/2014

1.093.686

2,571,7t7

5,504,648

I1,030,000

t0 t,43l3.346,049

s.677,664

18,800.000

20,200,051 24,625,146

\

I

28

r'SIIBNgin hAng'IMCP SaiCt'n- tIi Noi

19. Loei hinh vi gid tri tii sdn lh6 ch6p cia khdch heng

lii;udin?C'S lris6 sich

Tiiiu din.Gi6 trilriihli diam lAp bto crto

30/0620r 5 3Ut2n0t4 J0/06/2015 3Vtztzot4llir d6ns sin

Dong san

Chirng ln co giri'lr:isan khdc

1.759.072

19.981.097

t9.381.626

120.00 t.001

l0:.591, 1

17.53t.355

t5.116.t36

89.9 t4.572

,l.?59.072

19.9E3.097

r9.182.626

t20,00t.001

t02.594.1t1

l7.ir.t5iri.l36.l]689.9t4,572

29{,125,796 245)76,116 294,t25,796 245376,176

{0. Nghia ! nd ti6m in vi c:ic cam k6l drra ra

'Irong qud trinh hoat d6ng kinh doanh. Ngan hinS thuc hien crc cdng cu tdi chinh liin quan

Jir cJ( khoan rnuc ngoii bang ein doi kd rorin. Cii. c6ng cu ler chinh nii) chu yeu bao g6rn cau

carn kir bno linh ve thv lin dung. Crc c6ng cu nay cang t?o ra nhimg rui ro tin dung cho Ngan

hdng ngod; cdc .ui ro tin dung da duoc ghi nhan trong n6i bang.

Rii ro tin dun8 cia ciic c6ng cv tdi chinh ngoai biing duqc dinh nghia ld khd nang mang den rui

ro tin dung cho Ngan hang khi m6t trong cdc ben lidn quan d6n cong cy tai chinh d6 ki6ng thuc

hidn cdc diau khoan cua hqp ddng.

Ba,, lanh tai chinh lir cac cam ket co driu kren mii Ng;n hAng cip cho khdch hang de Bia,\ dich

v(ii ma, bCn lhf ba trong ciic hoirt d6ng ui bco liinh va1 !on. boo lanh rhanh loiin. bao l6nh thuc

hril h,.n dong va hao l;nh du lhau. Rui ro trn dung li6n quan d€n riic cip bdo ldnh vi co ban

gi6ng rui ro cho vay khiich hdng.

Ciao dich thu rin dung thuong m?i lra ngay la loai giao dich trong d6 Ngan hang cun8 cip tei

chinh cho kh6ch hang cua minh, th6ng thuong la nguoi murnha nhap kh;u hang ho6 ve ben thu

huong ld ngudi bdn/nhd xuit kh6u. R0i ro lin dung trong thu tin dung trd ngay thLrong thip do

hdng hoi nh{p khiu duoc ding d6 th6 chip cho loai giao dich nay

Ciao dich thu tin dung tri ch6m sE phiil srnh rui ro khi hgp dong de duoc rhuc hi€n md kh6ch

hdng kh6ng rhanh lo:in cho b€n thu huong. Cac thu tin dung rrli cham kh6ng duoc khdch hdng

thanh roiin Lluoc \tsan hang ghi nhdn Ia khodn cho ray bir buoc \a cnng no luong ing thi hiCn

nghia yu tdr chinh cua NBan hdng phni thanh todn cho ben thu huong vA lhtrc hiCn nghia vu ctaNBan heng lrong viCc bdo lSnh cho khdch hdng.

Ngen hang thucrng yCu ciu kh6ch hants kj qui di darn bao cho cdc cdnts cu lei chinh c6 lien

cluan din tin dung khi cin thi6r. (iid tri k); qu! dao d6ng tt 0% rJ6n l00yo gie lri cam kit d(oc cip.tir), lhuric vao rnLic d6 tin cay c[a khrich hAng do Ngan hdng ddnh gi6.

Chi tidl ciic khoiin c6ng no riim dn va cam lir ntsoai biing vao nga) l0 lhdng 06 nAm 2015

nhu sau

i

I

29

r'SIIBN8iir hitrg l MCP Sni Gi'tr lli Noi

30/06/20t 5

t.t(t t:lt'nt1

7,875.0t9s,968,084

7.017.005

t,534,682

3u t2t2u4

Bao lanh r)rchinhCaln k& bdo lanh khac'I hr lin dung ini cham

l hu lin dung tra ngay

t.940,659s,211,111

3.590.79?

1,t70.8t222,391,190 r3,913,685

41. Giao dich v6i c6c b6n li6n quan

Ciao djch voi cilc bdn lien quan la ciic giao dich dlrgc thlrc hiCn voi cilc b€n c6 lien quan voi

NSan hAnB. Ctic ben duqc coi la li€n quan n€u m6t bin co kha ndng ki€m so6t hoic c6 anh huimg

dang kd doi voi bdn kia trong viec rc quldt dinh ddi v6i cac chinh s6ch tai chinh va hoat dong. lMdt

bin dugi coi li) ben c6 liin quan roi Ng6n hirng ndu:

rd) lruc liephorc giin ti6pquamdthr) nhi6u bin trung gran-bdn nd1:

, LiCrn soor hoac bi kidm soet hoac chju su kiim soiit chung boi Ngan hen8 {bao gdm

circ c6ng ty me. c6n8ly con)l

' c6 v6n gop vdo Ngan hang va do ,lo co Anh huonts ddnts ki tdi Ntsan hang;

' c6 quyen ddng kidrn soat Ngan heng:

(b, Ilin lidn quan lir cong t) lien doanh. liCn let ma \gen hang la mol ben li€n doanh. li6n ket:

(c) ll€n lien quan c6 thinh vien li nhin su chinh lrong Ban Tdng Cidm d6c crla Ng6n hdng

hotrc c6ng 1y mc cira Ngan hang;

(d) tr6n li6n quan ld thanh vien m6t thr6t trong Bia dinh cua bir kj cd nhdn nao da nCu trong

d ienr (a) hoic (c):

(c) Ilin li6n quan ld mQt t6 chric truc ri6p hoec gian tidp chiu su kidm sotu. ddng lidm sodr

hoic ch iu dnh huong d6ng k6. hoac c6 quydn brdu qu1.dt boi bir kj,cri nhAn nio duoc di c6p d6n

trong diirn (c) holc (d).

I6m rit mtt s6 giao dich l6n vdiciic ben liCn quan rrong Quy I nrm20l5nhlrsauj

t0

SISIIBNgetr hntrg'I'MCP StiGdn IIA Noi

Clc siao dich d0ng'l'hu lir dich vu uy thdc dAu tu-l-hu

c6 rr?c lir cOnS ly lr€n quan'I hu liicho vav

Iiinr tit cec khoan phai thu phdi tra c6c bCn IiCn quan tai thdi diam 30 rhdng 06 nhm 2015 nhu sau:

'f(tn lil giao drch lon v6i cdc bdn li6n quan lrong Qui 2 nam 2015 nhu saul

t,3504t,784

Phdi thudingCic tliao dich

Phii trdd0ng

Cho va)

Ki qu! d6 kinh doanh chung kho6n

Uy thric dAu tu'I icn gui khdng kj'hgnlrcn Eul co hJ h?n

I)iu lu vio crc ben lien quan

Crlc khoin ddu tu tr6i phi6u

I-ai phii thu tir cho vay. UTDT. diu lu tnii p

Vdn gop cia ciic b€n lien quan

I'hai tra lai tian gui

Phiqudn lj phailrd

2.321.708

50 000

192.700

164.119

65r,591

9 t1,400

J,315,157

1.35t.002

9.307

9

2,92a,862

,12. Chinh sdch quin lf rti ro li6n quan d6n cdc c6ng cq tii chitrh

Muc 1i€u cia NgAn hdn8 ld t5i da h6a gid lri diu lu cua cd dong. Siri virng t6c dQ tang truong

Ioi nhuiin vi tinh hinh tdi chinh ldnh mqnh. Do vay. viCc su dung cic c6ng cu (di chinh. bao giim

nhin tiin gui cria khdch hang vd diu tu vdo ciic t,i :'iin rai chinh c6 ch;r lugng cao da tro thdnh

hoJr dong rrants rinh lhcn chot giup Ngan heng dal duoc mtc chenh lgch lii sudt cin thiir. Xit tLr

khiir canh quan If rui ro. diiu ni1 doi hoi Ngdn hdng l€t h\rn rnQl cdch ciin d6i giia ciic cam lilngoai barng (nhu bao lanh va thlr tin dung) voi cac khoan cho val lbing ddnS nor ti cing nhu

nSoai te) doi voi cric c6 nhan ve t6 ch&c thuoc ciic muc dd tin cey khiic nhau Bcn canh d6. Ngan

hin8 cing diu tu m6t phdn v6n luu ddng rio cdc chung khoiin diu tlr hay cho cac ngan hdng khiic

va) NhiinS nli ro li6n quan d6n trao d6i ntsoai te vA lhay doi lai suil duoc quen li lh6ng qua 6p

dung han mL'ic trang lh6i nhim han ch6 su tdJ, trung qua muc d6ng thoi lham 8ia vao ciic hoat d6ng

c6 tiic dung cin bing lin nhau dd Siam thieu rui ro l-hong qua vigc nim gr nhiiu di san Li cric

c6ng cu tai chinh c6 ch6t lugng cao, co ciu bdng c6n d5i kd toan hgp nh6t cta Ngan hnng c6 du

kh, nSng phdng ngira rii ro lrQng )'6u trong qud trinh hoat dong kinh doanh vA dam bao kha ntrnB

thanh khoen. Th€m vdo d6, Ngen hang cling tham gia vdo nhidu giao dich phdng ngira riri ro lien

quan tliin ciic c6ng cu tdi chinh nhu cec cam kdt ho6n ddi nSoai tC cho muc dich qu6n ly rrli ro lai

suiit.

<,\r!(

\si

e

il

I' SITBNgen hntrg 'I MCP Sni Cdn Iln Noi

T.ong quA lrinh quin li rni ro tin dung. Ngan hdng di si dung c(r hi€u qua Cam nang l in dung

1ron8 do ghi chi ti6t c6c chinh sech va thi tuc cho vay ciing nhu ciic huong dAn thuc hiin de chuan

h.,J cac hoal d(:,nt tin dunp (ua NBin hang Rui ro lhJnh khodn duoc h4n chi thdng qua r i€u nim

giir m6t s6 luqnS lon tiijn mAt va cac khoan luon8 duong licn duoi dang tAi khoJn Nostro, cac

khoan riin gLri co lj hqn lei \Uan hang Nha nuoc !a cdc t6 chrrc rin dung lhdc va cec gii) lo co

giii. (liic ti I€ an todn c6 tinh ddn ydu t6 rui ro c[ng dLroc su dung de quin li rui ro thanh khoen.

Ngan hdng thuong ti6n hinh denh gi6 chonh l6ch ldi :uzit. so sdnh vdi cdc rhi rruong trong nuoc ve

qudc t6 d6 c6 nhiing diau chinh kip thdi. ThCm vdo d6, viec dp dung ciic quy trinh quan ly rUi ro

nOi bd cing lro nen hreu qud hon nho viic tridn khai Ile thiln8 Quan ly V6n Tap trung vA HC lh6ng

lhanh loan I ep lrung. (hco do loen bri cde !iao dich v6n rd thanh toin cua Ng;n hing deu do Hi,i

so chinh thtrc hien. Viec d6 cho phdp Ngan hang giiim siit hiOu qua hon cec bi6n d6i !i !!-,n ra

eidm cdc \ai s6t co rha ri) r.r cirng nhLI nhirnB thu tuc nhuc rap Lhong can lhiil.

{3. Rrii ro tin dung

Rur ro tin dung la khd ntrng xay ra t6n that tronts hoat ddng ngan hang cua t6 chtc tln dung do

khrch h.lng khong thu'c hiQn hofc kh6ng c6 kha neng lhuc hien nghia vu cia minh theo cam kit.

Ng6n hdng ki6m soel va qu,n Ij rrii ro tin dyng bing ciich thiit l5p han rnvc thcnh ro6n tuong

img vdi mic dO rui ro ma ng6n hdng c6 the chSp nhan dugc d6i voi m6i khdch hanS ve dor vor mdr

linh vuc dia l1i, nganh ngh€.

NgAn hdng da lhi6t lap qu)'trinh soat xel chit luong rin dung cho phdp du bro s6m nhiing

thal diri vt tinh hinh rei chinh, kha nan8 tra no cUa cac bCn d6i tiic dlra lrCn cec )eu ro drnh rinh.

dinh lugng. llan muc lin dung d6i vdr m6i khach hing dugc thirlr l6p rh6ng qua vi6c sri dung hO

th6ng x6p hang tin dung, rrong d6 m6i khdch hants duoc x€p loai o m6r muc dQ ri ro. Mfc d6

rui ro na), c6 th6 duoc slra d6i. cAp nhal thudrg xuy6n.

11. R'ii ro thi truhg

44.1. Rtii n lni \uit

l hoi han dinh lai lai su6r thuc 16 ld thdi han cdn lai tinh ti, rhdi diam tap bno c6o lii chinhcho toi k! dinh lai lai suit gan nhit cna cec khodn mr:c rdi vin vd ngu6n v6n

Cric gia dinh vd driu kiCn sau duoc Ap dung trong phan tich rhdi h?n dinh lai lai su;r thuc te

cia crc di san vd c6ng no oua Ngian hdngl

^ Iiin mal. rdng bac d; quj: B6p \dn dau tu dei han\iciicdi san co khdc {bao gom tai

san c6 dinh, bit d6ng sdn diu tu vi tdj san co khiic. rru iy th6c diu ru) duoc \Cp loai

kh,,an muc Ihdnts bi dnh huong do dinh Iai lai "u;r;

i(0

rI

i2

r'SIIBNgffn hntrg 'I MCP Sei Cdn HiNoi

'I idn gui rai Ng6n hang Nha nu6c Vi€r Nam duo. c x6p lo?i tian glii thanh toan do d6 k,han drnh lai lar sLr6t thrrc td duoc xdp loai dtn mQr rhang:

Thoi han dinh lei lai su6t thlrc t6 cua chtnts khoiin dau tu va chung khLrdn kinh doanh

duoc rinh dua rren rhoi Bian dd,J han thlr( ti' tai lhai ,lidm l,ip bao ciio tai chinh cia

tiing loai chung khoiini

lhor han dinh lqi lAi :'ual lhq. t6 ui.j cac lhoen tiin gui ri eho rar cae 'lCID. e,ic

kho^n cho vay khech hang; cec khoan no chinh phu vd Ngan hang Nha nudc ViCt

Naml cdc [ho6n tien gii va vay c6c T6 chic tin dung vd khodn mlc tien gti cta khdch

hdng duoc xdc dinh nhu sau:

Ciic khoan muc co lai suit c6 dinh trong su5t thoi gian crla hgp d6ng: l hdi h4n dinh lai lai

suar lhuc le dua tren thdi gian d6o hin rhuc td tinh lLr lhoi diom lap bdo cao tiri chinh.

C:ic khoan mu( co lai suAr rha nii: Thoi han,linh lai lai sual rhlrc te cua cdc hop dong cho

va) c6 thoi gian deo hqn cdn tar dLroi 6lhdng duoc x6c dinh dua tr€n thoi gian ddo han cdn l?i;

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