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T',S.-TI,Hi_cAN llANcrnuoNG MAI c6PIllN s.ilcdN _ H,i Not77TrAn lirg Doo-Qu&Hodn Ki6tr. H,NOi
BIo.ao tii chlnh hqp nhdt
Qur I nlD 2018
Miu 15: Q-0tlTel:04l9,l2ll88
Chi rietr
TD - BANG CAN DOI KT TOAN
MI chi Thuyai s6 dlu nrms6 cu6l ki
A, TAI SiN
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THUYET MINH BAo cAorAr cniNH Hgp NnArCho giai doan ti ngdy 0l thdng 0l ndm 2018
din ngdy 3l thang 03 ndm 2018
]'SHBNgitr hitrg TMCP Sai Gdtr - Hd Noi
THUYET MINH BAo CAo TAI cHiNH HqP NHATeuV r N.i.M 2ol8
l. Th6ng tin vi ngin hirg
Gidy phdp hogt 0041-NLUGP ngny 13 rh6ng 1t ndm 1993d0ng
Giriy phdp ho4t dQng do Ngen hang Nha nudc Vi6t Nam cipThdi h?n hoQt dong cua Ngan hang tA 40 ndm kd tu ngdy cdp gidy pheptl6u ti€n.
HQi ddng Quin trl
Ong D6 Quang Hi,in Chri tich Tdi b6 nniem ngay 28 thang 04 n6m 20176ng V6 Duc Tiiln Ph6 chu rich Trii b6 nhi€m ngdy 28 thring 04 ndm 20176ng Nguy6n Vln L€ Thdnh vi6n T6i b6 nhiQm ngdy 28 th6ng 04 n6m 2017
Ong Trdn Ngoc Linh Thanh vi€n Tdi bd nhiQm ngdy 28 rh6ng 04 nam 2017Ong D6 Quarg Huy Thanh vi€n T6i b6 nhifm ngdy 28 rhang 04 nAm 2Ot7 ',dng Thrli Qudc Minh Thanh viEn dqc l6p Bd nhifm ngdy 28 thring 04 nlm 2Ot7 :
6ng Pham C6ng Doan Thdnh vi€n 86 nhiQm ngdy 28 thring 04 nbm 2017 iBan ki6m sodt
6ng Pham Hda Binh Thanh vi€n Tdi bd nhifm ngriy 28 th6ng 04 n6m 2017
6ng Nguy6n Htu Duc Thanh vi€n T6i bd nhifm ngdy 28 rhang 04 nam 2017Bd NguyEn Thi Hoat Thdnh vi€n Trii bri nhiem ngay 28 rheng 04 nem 2Ot 7
Bd L€ Thanh Cdm Thanh viCn 86 nhiQm ngdy 28 rhdng 04 n6m 2017
Bd Pham Thi Bich H6ng Thanh vi€n Bd nhiem ngay 281hdng 04 nim 2017
Ban T6ng Giim d5c vA K6 todn tru&ng
ong Nguy€n Van L€ Tiing Girirn d6c Tdi bd nhiQm ngdy 2l th6ng 5 ndm 20146ng L€ Eing Khoa Ph6 T6ng Ci6m d6c 86 nhiQm ngdy tO thang 4 nem 2009
Ong Nguy6n Huy Tdi Ph6 T6ng Gi6m d6c 86 nhiQm ngiy t8 thring 02 ndm 2013
Bd Ng6 Thu Hd Ph6 T6ng Giam d6c 86 nhiQm ngdy 15 th6ng 3 n6m 2011
Bd Ninh Thi Lan Phuong Ph6 Ti5ng Gi6m dilc 86 nhiQm ngdy 08 rh6ng 06 nam 20t2
Bd DIng T6 Loan Ph6 Tdng Cidm ddc 86 nhifm ngay 9 rhang t0 ndm 2012
Bd Ng6 Thi Ven Ki: to6n truong Bd nhiQmngiry It rheng ltndm2014TrU s0chinh 56 77 - Tren Hung Dao - Q.Hoan Ki6m - Tp.HeNOi - Vigr Nam
Ia9tI_ENg6n hing TMCP Sni cdn - Hi Noi
2. D{c ifi6m hogt dQng cia t6 chric tin dr;ng
Ngan hdLng Thuong mai C6 phdn Sni Gdn - Hn N6i (dudi tldy gei tit ta,,Nean hdng,,) lA morngan ha.ng thuqng mqi cii ph6n Viel Nam thdnh lap tei nuoc C6ng hda Xa hoi Chi nghia Vi6tNain voi thoi gian hoet dong le 40 nlm theo 0041-NH/GP ngay 13 th6mg I I nem 1993 cta Nganhang Nhd nudc ViQt Nam.Vtin didu IQ cta Ng6n hang tai ngdy 3OtO9/2Ot: lA 11.196.891 triCud6ng (Muoi mgt nghin mot trem chin muqi sriu t] trim trlm chin m6t tri6u ddng).
HQi so chinh cua Ng6n hAmg dir t4i 56 ?7 - Trin Hung Dao - e.Hoan Kiitm _ Ha NOi _ Vier Nam.Tai ngdy 3ll03/2018, Ng6n hang c6 6.162 nhan viCn, tli 3t/t2/2otj Ngrin hdng c6 6.210 nhanvi€n.
3. T6m tdt cdc chinh s6ch k6 to6n chri y6u
Chuin mgc vi ch6 ttQ k5 ro6n dp dgng
Ng6n hang trini bdy cdc biio crio tdi chinh theo Ludt ciic Td chfc Tin dung, Luar sua d6i va b6sung mQt s6 didu trong Lu6t cdc T6 chuc Tin dpng, cric chuin .u" k6 toAn vi-qt Nu. vd H6 th6ngK€ toan ciic td chuc rin dung Vi6l Nam.
Ki bio crio vir tlon vi tiin tiKj, brio cdo cua Ng6n hAng bit diu tri ngdy Ot/0t/20 t8 ve kiit thrjc vdo ngdy 3 t/03/2018. Don
vi tidn td sf dyng trong ghi chdp k6 torin lA <ldng Vi6t Nam (M\D). Tuy nhi-€n, theo quy dinh taiThdne tv 4912014fl-NHNN ngdy 3ll12l20I4 cia Ngan hdng Nhe nuoc, ciic s6 liQu lr6n Bdo cdotdi chinh duo. c ldm trdn d6n hdng triQu vA trinh bAy theo don vj tri€u ddng ViQt Nam.
4. Nguy6n tic ghi nh6n cfc nghifp vq bing ngoli tiviquy<t5i
Theo hC thatng k6 torin crla Ng6n hAng, lat cA c6c nghiQp vr,r phdt sinh cua Ngan hang duochach toen theo nguyCn t6. Tai thqi didm cu5i nem, tdi san vd c6ng ng c6 ngudn g6c ngoai tC duocquy d6i sang VND theo ri gie quy dinh vdo ngdy t{p bang c6n dOi t6 toar. Ca" U,oan thu nhap vAchi phi b6ng ngo4i tQ cria Ngdn hdng dugc hach to6n bing VND theo ri gid vdo ngay ph6r sinhth6ng qua giao dich mua bar ngoai te. ch6ni lech tli gia do d6nh giri lqi cric tdi khodn kinh doanhngo4i tf dugc hach toan viro bdo cdo K6t qua Hoar dQng Kinh doanh vi rsi n}udn d6 rai. chcnhlQch ti gie phdt sinh do quy d6i cdc tdi siin vd c6ng ng khric bing ngoai tC sang VND duoc xri livio doanh s6 cia c6c khoan mqc tuong tng tren bang can d5i k6 torin vdo ngdy lap b6o c6o Aichinh.
5. Chfmg khodn <liu tu gif tt6n ngiy itdo hgn
Chrrng khorin nq gin diin ngdy deo han ld ciic chhg klro6n c6 ki han cii dinh vd c6c khodnthanh todn c6 dinh hodc c6 th6 xric dinh duoc vd Ban T6ng Cirim d6c c6 ! dinh vd c6 kha nang girldiin ngdy drio h4n. Ngdn hAng dang ghi nhfln cric chung kiorin ndy lheo giii gdc cQng lai du rhu tnrlai chq phan bii, CU tri ptru trQi hodc chi6t ki6u (ni5u c6) cing duoc phdn 6nh vAo giri 14 ghi sdcua khoan dAu tu. Lai duqc dU thu hotrc phdn b6 theo phuong phrip duong thing. Cturng tfroan
SHBNg6n hing TMCP Sni Gdn - Hn Noi
dugc git d6n khi d6o han se dugc xem x6t vd kha narg giam gid. Chimg khodn tlugc ldp dg phdng
giam gia khi gi6 t4 thi truong nh6 hon gi6 tri ghi s,5. DF phdng giam gid drrqc ghi nhfln vio brio
c6o kiit qud ho?t dQng kinh doanh.
6, Chrtng khodn allu tu sin sing d6 bdn
Chimg khoan ddu tu sin sang d6 b6n ld cic ch(mg kho6n duoc giii trong thoi gian klrdng dn
dinh tludc, c6 th6 dugc b6n d6 d6p rhg nhu ciu thanh khoin hoflc de ung ph6 vdi truong hqp thay
d6i Ei sudt, ti gi6, ho{c gi6 tri chring khoan. Ngan hang dang ghi nhan cdc chung kho6n ney theo
gi6 g6c c6ng 15i dtl thu tru lai chd phdn b6. Gi6 tri phu trQi ho4c chitit khiiu (neu c6) cnng duqc
phAn 6nh vdo gi6 tri ghi s6 crja khoan ddu tu. LAi duqc du thu ho{c ph6n b6 theo phuong phiip
tludng thing. C6c chrimg kto6n ndy dugc dri.nh giri dinh k, theo gi6 t thi trudng vd ds phdng
giam gid tri sc dugc lap khi gi6 tri thi truong nhd hcm gia tri ghi s6. Dlt phdng giam gi6 duqc ghi
nhdn vdo b6o c6o k6t qua hoat dQng kinh doanh.
?. Ch(mg khodn kinh doanh
Chfng klorin kinh doanh ld chrimg khodn ban diu dugc mua vd n6ln git cho m\rc dich kinh
doanh trong ngin h4n holc niiu Ban Tdng Girim d6c quy6t dinh nlru v5y. Ng6n hang dang ghi
nhdn- c6c chimg kho6n ndy theo gi6 g6c vdo ngAy giao dich. Trong c6c ki ti6p theo, c6c chung
klo6n ti6p tuc duoc ghi nh{n theo gi6 g6c. Tuy nhi6n, gid tri thi truqng cta ciic chi.rng khorin vinduqc Ng6n harg lheo ddidd ddnl gid v.-i khd nang gidm gid khi gid rri rh! rruong rhdp hnn giri g5c.
Ngoai lru lruong hgp khdng thd xdc tlin} gid tri lhi rruong mqr cdch chic ch6n rhi gid tri cua
chtng dugc tinh dua hon nguy€n gi6 sau khi tru di tdn thdt u(Jc tinl (n6u cd). Lai hoec 16 tir kinh
doanh chimg kho6n duo. c ghi nhAn tren bdo cdo k6l qud hoat d|ng kinh doanh theo si5 thudn.
8. Cric khoin cho vay vi irg trufc khrich hdng
C6c khoin cho vay vd ring tru6c khrich hAng dugc cdng b5 vir trinh bdy theo s6 du no g6c tai
rhdi di6m cu6i ki ki5 to6n.
9. Dg phdng rrii ro tin dqng
C6c khoan cho vay kl6ch hang dugc phdn loqi theo Thdng tu s6 02/2013/TT-NHNN ngdy2l
th6ng 0l nem 20l3 vir th6ng tu si5 09/2014,rm-NHNN ngay 18 thdng 03 nim 2014 cria Ngdn hdng
Nhd nudc vd viQc phdn lo4i nq, trich lap vA sri dqng dU phdng d€ xn lj rii ro tin dung trong hoat
dQng ngAn hdng crla t6 chric tin dgng theo ciic mric dQ rui ro nhLr sau: Nq dir ti€u chuAn, Nq cin
cht i, Ng duqi tieu chuAn, Nq nghi ngd vd Ng co k}d nang mdt v6n dr,ra vao ti0h tr?ng qu6 han vdL
c6c yaiu 6 dinh luqng kh6c cia khoin cho vay.
C6c kho6n ng duqc phan loai ld Nq duoi ti€u chuin, Nq nghi ngo vi Nq c6 kha nang mAt vitn
du.c coi ]d ng xdu
I4stlpNsAn hitrg TMCP SAI Gdn - Hi Noi
- Dv phdng cu th6
Du phdng cU th6 duqc trich Ep tren rii ro tin dung thuAn cua cric khoan cho vay theo ti le
tucmg frg voi rlirlg nh6m nhu sau:
Rui ro tin dqng thuan crla c6c khodn cho vay khiich hang dugc tinh bing giri tri cdn lai cira ciic
khoan cho vay tru giri tri cta tai san dam bao di tluqc chiait khdu theo c6c ti IC theo quy dinh trong
lhdng 1u sd O2l2Ol3iTf-NHNN, rhdng ru sd 09/20I4i.t-I-NHNN.
- Dg phdng chung
Ngdn hdng thgc hiQn trich lap va duy rri du phdng chung bing 0.7502 r6ng gie tri c6c khoan no
duoc phdn loai tu nh6m I d6n nh6m 4, tru cdc khodn tidn gui tai t6 chtc tin dpng trong nuoc, chi
nhdnh ng6n hring nudc ngodi tai Viet Nam theo quy tlinh cira phap lu{t, tidn gui tai ro chuc tindung nudc ngoei ve cac khoiin cho vay, mua c6 ki,h?n gi6y to c6 gie d6i vdi t6 chric tin dung, chi
nhdnh ng6n hang nudc ngoai khec tAi ViCt Nam.
Du phdng rui ro tin dUng tai Campuchia, Ldo 6p dtrng theo quy dinh hiQn hanh crla NHNN
Campuchia. Lao rrong ki bdo cdo tusng ung.
10. Tii sir c6 dinh
Tdi san c6 dinh dugc rh6 hi6n theo nguy€n giri tru rli khdu hao lny k6. Nguy€n giii bao gdm
toin bO cAc chi phi mA Ng6n hang phni bd ra d6 c6 dugc tdi sin c6 dinh tini di5n rhqi didm dua tdi
san d6 vao tr?ng thei san sarg sri dung. Tdi sdn cii dinh dugc tinh khliu hao theo phucmg phap
duorg thing tt€ tru din nguy€n giri tdi sdn rrong su6t thoi gian hiru dung uoc tinh nhu sau:
- Nhd cu4 v@t ki6n tnic
- MAy m6c, thiilt bi
- Phuong tiCn van tdi
25 nem
03 - 05 ndm
06 - 10 nem
Nq du tieu chuan
Nq can chri iNq duoi tieu
Ng nghi ngd
Nq c6 khd rleng m6t
ly [[ tlu lltr'ttt t-u rltt
d91-2 svo
3 20%
4 5lvr5 t00vo
IrsH""HN96n hdng TMCP Sli Gdn - Hi Noi
- Thiiit bl van phdng
- Tei san cd dinh htu hinh kh6c
- Ph mAm mdy tinh
- TAi sen cO dinh vO hinh kl6c
03 - 07 nam
04 - 07 nim
03 - 08 nem
02 - 20 nlm
QuyAn su drmg d6t duqc kh6u hao theo phuong phrlp duong thing phi hqp voi Giiy chungnhin quyin si dung dit. Quyin sn dqng ddr v6 lhoi han dugc ghi nh6n rheo giii g6c va kh6ng rinhkhdu hao.
ll. Tidn vi cdc khoin tuong ttunng ti6n
Ti6n vd cdc khoa:r tuong duqng tidn bao gdm tidn mtrt, ving, d6 quj, tidn grii thanh toiin rai
NHNN, tin phi6u Chinh phr) vd cdc gidy td c6 giA ngin han dn didu ti6n chi6t ktiu vsi NHNN,cdc khoih tian gui thanh toan vd lian gui, cho vay tai cric td chtc rin dung kh6c c6 thqi han ddo
h4n khdng quri 3 thriag kii tu ngdy gui.
12. Cdc c6ng cq tiri chinh phCi sinh
Cac cdng cu tai chinh phai sinlr duqc ghi nhan tren bang can dOi kti toan theo giri tri hqp ddng
vdo ngAy giao dich, vd sau d6 duqc d6nh gia lai theo gi6 tri hgp li. Lqi nhuan ho6c 16 khi ciic c6ng
cU tei chinh phili sinh dugc thgc hiQn dugc ghi nhdn trong bdo crio ktit qud hgat dQng kinh doanh.
Lgi nhu6n hotrc 16 chua thgc hiQn dugc ghi nhan vdo khodn muc ch6nh lQch drinh giri lai cdc c6ng
cU Gi chinh ph6i sinh k€n beng can d6i k6 todtr vd dugc k6t chuydn vdo k6t qua hoat d6ng kinh
doanh vdo thoi didm cu6i nAm.
13. Ghi nh$n thu nhip/ chi phi l6i
NgAn hang ghi nhAn thu nhAp tn ldi vd chi phi Iai h€n b6o cao k6t quri hoat ddng kinh doanh
tren co sd du thu, dg chi.
14. Ghi nhfn thu nh$p tir phl vi hoa h6ng dich vU
Ngen hliflg thu phi tri cdc dich vp cung cip cho kiich hang. Thu nhap rri phi c6 lhd chia thinh
ciic nh6m sau:
. Phi thu t* vi1c cung cdp dlch vy trung m1l thdi gian nhiit illnh: Phi thu tir viec
cung c6p dich !,u trong mot thoi gian nhdt dinh dugc du thu trong su6t thoi gian d6. Phi
niy bao gdm phi qudn lj. phi nnrin ny thrlc. hoa hdng vd cdc phi li€n quan d6n cdp iin dung.
qudn li tdi san, phi quAn l! danh mpc vd cdc chi phi quan lj cing nhu phi tu vdn khiic.
]'SHBNgen hlng TMCP SAi GOn -Hi Noi
. Phi lhu ti viic cung cdp dich vq giao ttich: phi phlt sinh ru viec dAm phiin vd
tham gia dd,m ph6n cdc giao dich cho mQt ben thu ba, vi du nhu din xiip viQc mua c6 phinho{c c6c loai cht'ng khoan khAc hoic mua l4i doanh nghi€p , dugc ghi nhdn khi hoen rAt
giao dich lien quan, Phi ho4c mQt phan c{ra khodn phi ndy c6 li6n quan d6n viQc thyc hiQn
mQt c6ng viQc nh6r dinh sC duqc ghi nhan khi hoar d[ diAu kiQn tuong rmg,
Ngen hnng TMCP Slicdn -HA Noi
15. Ti6n mit, ving b4c, ili quj
Tian mat bing VND
Tidn mit bing ngoai tg
Kim loai qui, da qui
16, Tian giri qi Ngeh hiDg Nhi nlnic
riin, vdn| Ci,i *h6'rg *i hsn
- Bing VND
- Bing ngoai tg, vang
Tiin, vnns Eni at *i hsn
. Bing VND
- Bing ngoar rf, ving
Cho vay
- Bing VND
t,045,42',1
497,91I
1.622
1,544,950
886,482
551,448
2,618
r,416,548
3l-03-18 lt-12-t7
Trftu d6nla
3t-03-lE 3 t-t2-17
rriQu dins
TiAn gui thanh todn tai Ngan hAng Nha nudc 2,068,49r
2,06E,49r
17. Tidn, ving grii tai cdc t6 ch[,c tin dgng khic vi cho vay cic TCTD khic
3.7 42,659
j,112,659
3 t -03- 18 3l- l2-r 7
TrGu dinll
19,72a)67
19,259,3 r9
469,04t
6,531r t3
5,6t9,000
1,012.213
4,158,506
4,458,506
20,8t2,011
t9,799.391
t,0 t2,680
1,041,133
L ti0,000
i.9 r7.4i3
5,651,006
5,654.006
30,8t8,086 33,513,5t6
SHB
u ST-IH
Ngir hAnE TMCP Sai cdD - Hn Noi
18. Cdc c6ng cq tii chinh phdi sinh vi cdc tii sin tli chinh khic
Tins eiti ti cna hqpd6ng (theo ti sid ngoy
nteu tvc nqP aonghieu dtjns)
Tdng gid rr1 ghi s6 ki rotin
(theo ri gid tat ngay lip bdo cdo)(triQu ddng)
Tdi son C6ng nq
T+i ogAy 3l thdng 03 ntrm 20ltCOng ctt TC phdl sinh iln CGiao dich ki hen rian te
Ciao dich ho6n d6i ki hen
T?i rgAy3l tbrng t2 n{m 201?
C6,1g ctt TC phdi sinh tiin tC
Giao dich ki han tiAn tC
Giao dich hoan d6i ti hen
19. Cho vay khdch hdng
35,111,918
5,412,474
70,029,444
14,255,00t
3,896,530
40,J5E,472
40,004
24,97 4
15,030
136,265
2,3 t6
I33,950
3l-03-18 3t-12-17
TriQu dingCho vay cr4c t6 chric kinh 16, c6 nhen rrong nudc(ho ra1 chi6r lhdu rhuong phi6u vd cdc giiy to c6
C6c khoen tre thay khech hing
Cho vay bing v6n tei trq tn cac TCTC eu6c t6 ( WB,JlcA...)
200,767,230
6,649
It,0l5
1,6',7 5,843
196,082,946.7,548
2,164,713
202,4t1t737 194,290,566
n SHBNg6n hing TMCP SAi Gdn - HA Noi
19.1. Ph6n tich ch6t luqng nq cho vay
Nq dr'i ti€u chulin
Nq cin chri jNq dudi ti6u chuin
Nq n&hi n8o
Nq c6 khd nlng m6t v6n
19.2. PhAn tach du nq thco thdri gian
Ng ngin hgn
Ng tnrng han
Nq dii han
3l-03-18 31-12-17
lfteu aong
192,655,80r
5,I9t,9E9
639,351
r,023,385
2,977,204
r90,368,695
3,29E,t74
669,686
r,088,771
2,865,240
202,441,737 19rr90,566
31.03-18
Tri(u ding
3t-12-11
81,8r 1,570
s3,5 r3,957
65,162,210
E3,106,7 t7
53,433,957
61.7 49,892
202,4a7,737 198r90,566
?[SHBNgtn hlng TMCP Sti cdn - Hi Noi
19.J. Phin tich du nq cho v.y theo d5i tuqng kh6ch hdng vd lori hinh doenh nghi6p
3l-03-t8 3t-12-17
) fr(u t1o4g "/n
C6ng ty Nha nudc
C6ng ly TNHH Nhd nudc
C6ng ly TNHH kh{c
C6ng ty c6 phdn v6n Nhe nlroc
C6ng ty c6 phAn khac
C6ng ty hqp danh
Doanh nghiCp tu nhan
Doanh nghifp c6 v6n ddu tu nudc ngoai
Hqp l,ic xe va li€n hiep hqp iic xa
H0 kinh doanh, c6 nhan
ThAnh phAn kinh rai khac
7.657,939 3.86%
13,486,439 6.800/"
35,056,234 t7.68yo
16,986,532 8.570h
80,842,480 40.16%
8,121 0.00%
2.521,6E5 1.21%
499,434 0.250/o
66.194 0.03%
38.821. t06 19.58%
2.338,202 l.t8%
6.197.a90
t t.666,644
35,500,078
12.058.33?
88,100,820
99.638
2.603,540
47 t.689
66,871
4l, t4l,406
1,680.818
3.360/.
5.',76vo
t7.53%
5.960/0
43.660/0
0.05%
t.29yo
0.2Jo/o
0.03%
2t.3toa
0.83v"
202,487,731 100.00% t98,2m,s56 100.007"
l0
I!gHBNgiD hang TMCP Sni Gdn - HA Noi
19.4. Phan tich du Dq cho vay theo nginh kinh t6
I t-03-lrTneu,line
N6ng nghi6p !a leln nghrep va thny sdn 43.9s4.4E3
Khaiklo6n8 1,521.152
C6ns nghiep chii bi6n, ch,: tao 2j,234,216
Sin xuAt va phan ph6i di6n, k-hi d6q nudcn6ng, ho' nudc vd diau hda kh6ng kht
Cung c6p nu6c, hoar dong quan li ve xnli nic thii. nudc rhdi
XAydu-ns
I I,3r5,829
I20,994
26,932,332 t3 30f/o
2l.7 tyo
3.12%
t3.45yo
5.60v.
0.06%
tt-t2-11Tti€u dAng o/"
43,249,519
7,659.77 7
21.452,713
10,757,6',75
2t.8tvo
3 E6v,
t3 840/o
5_4f%
118,922 0 06y.
21,9t3,697 14.080/o
32,346.233 16.320/.
3, 158,672 1590/0
I.l3l.46t 0 61./,
ll r,063 0.06%
2,263.714
r5,700,13r
599,078
1_110/.
'7 920/.
0.300/.
:li:::i:::--11':":fiu6'6'd'd,,r.ur,,rz, 16qro"xe mov va re co oona co knacVan taikho bai 3,060,546 l.5t%Dich vu luu tni vi In uting t,156.709 O-51o/o
TI6ng tin ve truyan th6ng t08,637 0 05%Hoat dong tai chinh, ngan hdng vi beo ,hrEm -,365,015 111y"
Hoat d6ng kinh doanh bir dong san r6,753,096 8.210/.
Hoar d6ng chuy€n m6n, khoa hoc vi c6ngnche - 5E9 283 o2v/"
Hoet dong henh chinh va dich vu h6 trq 1,085,965 0.S4%Hoat dong cna Dang COng san, 16 chricchlnh tri - x, hoi. qutn Ii nlanudc. an 70 008 0'03%
Gido duc vi deo ho 35t.871 O 11./.
Y r€ vd hoat d6ng ro girip x, hoi 0,694 0.05%
Nghe thuaq \alichoi va giai tri 263,06t 013y.Hoal dong dich vu khrc 22.65E.89t lr t9ol.
1, 127,8 ll 0.51%
12,649 0.02%
420,8t r 0.2ty,
t2l,7 t8 0.060/0
257.293 0.r3%
20, t54,350 t0 t6y.Hoat d0n8 ldm thu€ clic c6ng viec tronscac h6 sia drnh, siin xuit san ohim v,r - .
crrir va"aicrr ru ,u iie, J*e .j" ;; .; : sro'tro
dinh
t_270/. 3,503,O79
Cac khoan phai rhu giao dich chfngkhoan cia C6ng tyCP chring kho6n SHB 0.00% - 0.00%
r6ns d'r nq @ffirr-ffisr-iro-;io%
II
T'$-HPNg6n hangTMCP sAi Cdn-Ha Noi
20. DV phdtrg rii ro tin dgng
Ki ndv 6l/03/2018)55 du diu kiDu phdng nii ro kich lap/hoen nhap rrong ki,Du phdng gidm do xi l:i c6c khodn nq kh6 rhu h6i bAngngudn dV phdng
s6 au cu6i t<y
Xi un c 13l/12/2017)
s5 uu aiu kiDu phdng nii ro rrich lap/hoen nh6p lrong kjSt dung dU phdnS trong nAm
Chenh lech ti gi6
s5 aucuSi ty
1,462,666 1,401,087
1,066J32
394,053
(49e)
1,459,886 1,389,129
DB phdng
tftgu donS
1,459,tt6
2,1E0
Dr,r phdng cV tha
lJt9,r2920,086
(8,r26)
731,053
8E7,t06
(231,740\
2,0t0
t2
!4S"[IPNgAn hAng TMCP Sei cdn - HA Noi
21. Chrirng khoin tliu tu sin sirg tl6 b{n
Chtng *hodn N(Chrrtg khoen Chinh phn
Chu,ng khoAn Nq do c6c TCTD khdc rronS nu6c ph6t hanh
Chtng khodn N9 do c6c TCKT t.ong nuoc phAr hAnh
Chti,rg khotin Ydn
ChfnS khoen V6n do clic TCTD kh5c rrong nudc phat hanh
Chrmg kho6n V5n do c6c TCKT trong nu6c ph6t hanh
Dttphbng gidm gid chtng *hoti,, sin sdng di bdn
22. Chring khoin diu tu giii.t6D ngiy dio h4r
Chung khoan Chinh phi
Chring khoen Nq do cdc TCTD khrc trong nu6c ph6t hinh
ChL?ng kho6n Ng do c6c TCKT trong nudc pH
Du phdng gilim gia ching Lho6n diu tu giu ddn ngiy ddo han
3l-03-18 3t-t2-11
11,691,671
8,t94,903
1,459,966
1,336,802
33,59t
795
32,803
Q25,904)
12,234,750
7,996,543
2,799,E51
t,43E,356
33,598
796
32,802
(t2s,901)
I1,599J65 12,142,444
3l-03-18
-r,^2,209,821
8,733,346
(1,660,865)
3l-12-11
149,7 t9
| ,799.797
8,713,146
(1,6t7,342'
9,432,031 9,065,520
t3
SHB-;;;;;;;;;.-,,,.dn _ Hi Noi
23. Chfmg khodn kinh doanh
Ch mg khodn Ng- Chrmg khoan Nq do cac TCKT rong nu6cphat hanh
Chttng khoda V6n
- Chung khoen V6n do cdc TCKT rrong nuocph6t hdnh
D1r phbng gidm gid chi g khodn kinhdoonh
24. G6p vdn, itiu tu dii hln
Cric khodn tliu tu dii hqn kh6c
DU phdng giim gi:i diu rlr ddi han
3l-03-18
I rleu clong
3t-12-17
147,115
447,1t5
3,889 3,889
3,889
(2,839)
3,889
(2,839)
448,16s 1,050
3l-03-t8 3t-t2-11
221,250
(r 1,785)
227,250
( ,785)
215,465 215,465
)4
:.i:i9
afl:Iq
5"3-RdC
s: sE^.>,:-! ,> !s = .. .i' : "
s gi$ss;s;ifFss$Sfi3F
=-;. - s
p"E:T8P
;ETi6cji .1 ':
IB-380
;gpFaE{ ;a
Q
F
.!!."E
.5 Izi
,!
E
FI
I,!4E
F
iaz
I
E
l)
aE!,8.i,
*ro -B.a - !:
.i: N -
Ei:--'i.i ,^- ':6lt
s=i-"sr-iora-t
dFg$id-:L=:
g:a's\o.<: ::-*:
oE
!aE.5 E -.s 8'Fd ,> .:.6 Fi*- = (*. lEE- E i iSE:,E E E F'.ii s ; ;;€
E i: st"i,: i: i: i i:i i'i 3$Ee striqf f fBiSB*if {uUee
r: ^i I SU
6S',s
F- di !a_
EF R o6= oo
d; :r
GP a-5js. 11 *e
:
t 9.. Put ^: "1
,'
F
.{
z,.b
r!E
,o
F
i6.z
I
()
o6EH!"A:z5,p
frS"IJBNgAn hing TMCP Sii Gdn - Ht Noi
26. 'I li san c6 itinh v6 hinh :
- Ttrng, gi6m tli sin c5 dinh 116 hinh ky rlyt
Khoin m{c
Nguy6n gid
s6 du diu k)s6 t6ng trong ki-Chdnh lech d gid- Mua lrong Ds6 ou cu6i t<Y
Gii tri hao mdo luY k5
55 d', diu kjs6 tdng rrong k,-ChAnh lCch ti gid- Khau hao ltonq ky
so ou cuor l(y
Gi6 tri cdn l4il8l trgay dau l(y
Tti ogAy cu6i ki
Khoen mvc
Nguy6n gi6
s6 dudiu trrm- Mua lrong ndm
- Thanh li, nhrqng bdn
- Thorii vdn SHBS- Gidn khdc
s5 du cu5i nern
Gii tri hao mdn luY k6
s5 dudau nrm- Khau huo lrong nom
- Thodi viin SHBS
- Gidil khdc
S5 ducu6i ntrrn
Gi6 tri cdn hiTgi ngiy ttiu n{rnT$i ngiy cu6i ntrrn
Quyin si Phin mCm vidgng dAt tinh
TAi sdn c6 dinhvO hinh khdc
c0ns
J,486,E01 2l t,8l I7,3J0
25
t9,8114,398
301,368
3,73t,48911,728
55I t,6?3
3,4E6,t0r 2t9,141 41,215 3,750,211
5,805
39
l?8,1741,629
257,601
27,6t11,256
3)
2l I,596
t,92456
E,86839
5,E44 185,801 28,873 220,520
3,4t0,996 33,6J7 12260 3,s26,893
3,480,957 33J3r t5,402 3,529,697
- Ting, giim tii sin c6 dinh v6 hinh ky trudc :
Quylo sri dgng PhinmAmvi Tiisinc6dinhd6t tinh v6 hinh khec
c0rg
3,476,880
(1,291)
207,t4t) 3,770
(9,787)
Q0)
40,188
155
/410)
Q6)
t,126,916
26,110
(1,291)
(t0,227)
a6)3,4t6,80r 2ll,81l 39,t77 J,73t,4E9
5,617
)58160!71t
27,t22(9,677)
(19)
22,5155 ii7(13e)(t6)
188,9r0
t2,837(10.) )6)
o,s,t05 118,174
J,473,233 47,100
21,6t1 211,596
11,613 3,5J8,006
3,526,893J,480,996 33,637 12,260
t7
rits.fIBNgan hnng TMCP Sni Gdn -Hl Noi
27. Tii sin C6 khic
3l-01- tE 3l-12-17
CAc khoan lai, phi phai thu
C6c khoan phai thu
Du phdng rii ro cho cac tai san C6 klac
Tdi san C6 kh6c
28. Tian, ving giri vi vay cia cdc t5 chri,c tin d{ng khdc
- TiAn, ving grh cia cdc t6 cbte tin dung khdc
Tiin,edn? g,ti khdng kj hpn
' Bing vND- bang vang va ngoar r9
TiAn, vdns sni cd kjt hsn
- Bing VND- bang vang !a ngoet te
rong
- Ti6n, ving vay c6c td chrirc tin dgng ktic
E.302,r41
t3,875,216
(4r0,486)
5,360,802
7,955,901
13,4 I r,4s5
(410,374)
s,395.162
27,127,135 26)52,116
16,638,171
t6.635.9s5
2,4t9
6,091,011
2,520,000j,574,044
22,732,41A
3t-12-17
t nqu JrnE
,t,rttgr9.0i6.29t
959.231
13,302,t34
r t.250,100
33r97,85E
3t-03-tE
3l-03-ltTriQu d6ng
3l-12-17
- Bing vND
- rrang vang va ngo?t t9
r,ing
T6ng ti6n, ving giri vi vey cdc 16 chi,c tindqng khic 361593J74 53,000,419
5,612,866
8,248,090
t0,694,6E5
9.007,876
13,860,956 t9,702,561
t8
t4s"L{,FNgAtr hing TMCP SAi GdD - Hi Noi
29. Tidn g&i cta khdch hlng:
Tian, vtng glii kb6ng ki h{n
- Tiin grii kh6ng kj han bing M\D
- Ti6n gii k}6ng kj,han bing vdng. ngoqi tf
Tian, ving grii c6 ki h4n
- Tiin gii c6 k! han bing VND
- Tidn grii c6 k! hqn bing vdng, ngo4i tp
Titn gi'i v6n chuy6n ding
r rGo gur ky quy
30. V6n $i trq, 0y thric iliu tu, cho vay TCTD chiu rrii ro
V6n nhan tai tro di: cho vay blng MllD
V6n nhdn tdi trq d6 cho vay bing vdng, ngoai tQ
31. Phdt hinh gi6y td cri gid th6ng thulng
MQnh gi6
Phu troi
3r-03-lE 3l-12-r7
17,194J58
16,028,702
I,t65,656
190Jt4,70r
t79,220,342
I I,r64,359
16,231
84t,751
11,152,881
16,214,179
1,538,702
116,152,566
164,002,42t
12,150, t3t
89,831
E94,492
20a,444,041 194,889,770
3l-03-r8
I neu dong
3l-t2-11
I rteu along
|,24',7,982
427,861
t,06t,994
2,16',7
1,675,843 1,064,r6t
3l-03-18 3l-12-17
I neu dong
14,966,635
634
t6,920,470
6 t4
16,92r,084 14,961269
t9
?_r.sgPNgSr hing TMCP Sii Gdn -Hi Noi
32. Cdc khoin nq khdc
Cec khoen phAi re noi b0
C6c khoan phei tre ben ngoii
3l-03-tt
t ftqu along
3t-12-11
67,7t6
3t3,612
47,9T1
487,721
381,398 s35,698
20
rIE €- li
e
i!
a
,iiE'i nE:'ESiIEEEGiJU
t.e:r
s .'qr ;'g Is .i€,i, _rf,
!>
,>, s
a
u t-9
&19E
'9z
I
.a9irla=BE
z
2s-rr.PNsAn hArg TMCP SII Gbn - Hi Noi
34. Thu nh6p lei vtr c{c khoir thu nhap tuong tV
Thu lEitiAn gti
Thu l6i tidn vay
Thu lai ti, kinh doanh, diu ru ching khoan Nq
Thu khAc ti, hoat dong tin dung
Thu phi hoet d6ng beo lanh
35. Chi phi hi vi cric khoin chi phi tuotrg trf
Tre lai huy dong
'frA lai cho vay
Tra lai ph6t hinh gi6y to c6 gie
Chi phi hoat dong tin dung khec
4,941,165 3,937,783
Tn Ol/0r/2018 it6n3l/03/2018
I nqu ctong
TU 0t/0r/20r7din 3ll03l2Dt1
70,763
4,482,466
280,215
86,733
27,5E8
1t7,9t1
3,485,269
229,64E
67,240
3',1,639
Tn 0l/01/201E d6n3l/03/201t
I t teu dong
TL 0l/0U2017 d6n3t/03t2011
I t1€u along
(3,406,508)
(122,922)
(120,8t7)
(24,424)
(2,608,104)
(t54,670)
(245,4)6)
(5,040)
(1,t74,14t) (3,013rs0)
22
p9"tr.ENgan hdng TMCP SAi Goo - Hn Noi
36. Lni/ 16 thuin tn hoft ilong dich v9:
Thu phi dich v+
- Hoet dong thanh toan
- HoBt dong ngan qu,
- Dich vu dai ly
- Thu phi dich vU kh6c
Chi phi dich vq li6n quan
- Hoat dong thanh toen
- Hoal dong ngen quy
- Chi phi dich vp kh6c
LEi/ 16 thuAn ti hogt dQng dich v+
37. Chi phl hogt alQng
Chi nQp thu6 vd cdc khoan phi, le phi
Chi phi cho nh6n vi€n (Luong, BHXH, BHYT, BHTN,KPCD, chi trang phyc, bdo h0 lao dong....)Chi vd tai san
Chi cho hoat dong qudn l! c6ng vg
Chi nOp phi bno hi6m, bdo ddm tiin gui cria kh6ch hang
Chi phi dg phong (khong tinh chi phi du phdng rui ro tindung noi vd ngoai bang; du phdng gidm gi6 chung kho6n)
Chi phi hoat dong khAc
Tn 0U0U20IE d6n Tn OYOl/20r731/03/2018 din3lrc3nll1
I ncu 4ong
"J"48,041
2,613
3,862
31,515
(29,704)
(6,3 r4)
(3,1l l)
(20,279)
93,1t7
5r,340
6,451
56t
34,E29
(1s,6s2)
(5,726t
(2,853)
(1,072)
58,407 71,535
Tn 0l/01/2018ir6n 31/03/201t
I neu dong
Tir0t/01/20t1d6n 3l/03/2017
(5,605)
(35s,636)
(93,98s)(129,r 03)
(41,078)
(ll l)
(s,5s8)
(12s,3s2\
(99,251)(85,367)
(32,9'7 5)
(s,0ee)
(62s,s18) (ss3,602)
23
ps-_HHNgin hAng TMCP Sli cdn - Hi Noi
3E. Ti6n vir cdc khoin tuong dudng tiAn
Tidn mtrt va c6c khoin tuong duong rian qi
Ti6n gui r4i Ng6n hang Nhd nudc
Tien gui t4i TCTD khec kh6ng ki han
TiAn gri t4i cdc td chuc tin dung khac c6thdi gian d6o han dudi 3 thtug
3l-03-18 3t-12-11
1,544,960
2,068,491
t9,728,367
6,631,213
|,446,548
3,7 42,659
20,8t2,077
7,04',t,433
29,973,031 33.048.71?
39. Nghia vg nq titm 6n vi c{c cam k6a dua ra
Trong qua trinh hoat dQng kin}l doanh, Ngan hing rhuc hiQn ciic cOng cU tai chinh ti€n quan
d6n cdc khoan muc ngoai bang can diii kii torin. Cric c6ng cu tAi chinh ndy chi y6u bao g6m cdc
cam kilt bdo lanh vd thu tin dung, C6c c6ng cq nay cfing tao ra nhtng rui ro tin dung cho Ngan
hang ngoai cac rui ro tin dpng dd duqc ghi nhan trong nQi bang.
Rii ro tin dung cua cdc c6ng cu tei chinh ngoai bdng duoc dinh nghia ld khri nang mang d6n ruiro tin dpng cho Ng6n hdng khi m6t trong c6c b6n li€n quan d6n c6ng cU tAi chiDh d6 khOng thuc
hiQn c6c didu kiotur cria hqp ddng.
Bdo lanh rai chinh ld ciic cam k6t c6 didu kidn md Ngan hring cip cho khdch hirng di giao dich
v6i mot ben thu ba trong cdc ho4t dQng vd bdo ldnh vay v6n, bdo ldnh rhanh todn, bao lanh thUc
hi€n hqp ddng vA brio linh dr,r thiu. Rui ro tin dqng li€n quan diin viQc cdp bdo lZnh v6 cq ban
gii5ng rui ro cho vay kh6ch hdng.
Giao dich thu tin dUng thuong mei tra ngay la loai giao dich trong d6 Ngdn hang cung cdp tdi
chinh cho khrich hAng cia minh, thdng thuong lA nguoi mua/nhd nhip khdu hang hori vd b6n thu
huong ld ngudi bdnlnhd xudt khiu. Riri ro tin dUng trong thu tin dung trd ngay thuong thdp do
hang hod nna-p khiu duqc ding dd th6 chip cho loai giao dich nay.
Giao dich thu rin dung tre cham- sc phat sinh rui ro khi hqp ddng dd dugc thgc hien me khech
harg kh6ng tharh torln cho bCn th9 huong. C6c thu tin dung trd chflm kh6ng duqc kh6ch hAng
thanh totur duqc Ngdn hang ghi nhdn- Ia khoin cho vay bit buQc vd c6ng ng tuqng rng lhd hifn
nghia vu tdi chinh cia Ngan heng phei thanh to6n cho b€n tlu hudng vd th\tc hiQn nghia vu cia
NgAn hang tlong viec bao bnh cho kh6ch hang.
Ng6n hang thulng yCu cAu khach hang ki quy da darn bio cho cdc c6ng cu tdi chinh c6 li6n
quan diln tin dgng khi can *ritlt. Cla tri ty qu! dao tlQng tu 0% d6n 100% gid rri cam k6t duoc cip'
tiry thuQc vdo mfc d0 tin cay cia kh6ch hdng do Ngar hang dAnh gi6
T4STIENg6D hlng TMCP SAi Gdn - Hi Noi
Chi ti6t c6c khoan cdng Dg tidm dn vir cam k6t ngoqi bang veo ngay 3l thing 03 nlm 2Ol8
nhu sau:
3l-03-lt 3t-t2-t1Tri€u dins Trcu drjne
86o Iinh vay v5n
Can k6t giao dich hiii do6i
LOm lcel nua ngoot lelom &el ban ngoqt lqCan kit gioo dich hodn d6i
Canr k6t trong nghiQp vp LCBdo Lenh khec
t80,3E6 r?9,955
10,E3E,405 1t,542,1497E6.030
0-10,052.375 18,542.149
r0,505,037 14,695,470
24,t44,046 23,11,64445,667,A74 56,535,218
40. Giao dich vr6ti cdc bGn li6n quan
Ciao dich v6i c6c b6n li6n quan lA c6c giao dich dugc thyc hi€n voi cric bCn c6 liCn quan voiNgAn himg. C6c b€n dugc coi li li6n quan n6u mQt b6n c6 khri ndng kidm so6t hoac c6 anh hudng
d6ng ki d6i vdi ben kia lrong viec ra quy6t dinh d6i vdi cdc chinh sech tei chinh vd hoat dong. MOr
b6n dusc coi ld b€n co li€n quan voi Ngdn hang n€u: ',
(a) Truc tiiip ho{c gi6n ti6p qua m$t hay nhiiu b€n trung gian, bdn niy: I
> kidm sodt hodc bi kiim sodt ho{c chju su kidm sodt chung boi Ngdn hdng tbao gdmcec c6ng ty me, cong ty con);
> cd vdn g6p vio Ngdn hang vA do d6 c6 anh huong dAng k0 t6i Ng6n hang;
> c6 quydn ddng ki6m soet Ngan hdng;
(b) BEn li€n quan ld c6ng ly lien doar$. lien k6t ma Ngdn hang td mQr bdn lidn doanh. li6n k6t:
(c) BAn liCn quan cd thdnh vi€n lA nlan su chinh trong Ban Tdng Gidm d6c cna Ngrin hang
hoac c6ng ty m9 ctia Ngan hdng;
(d) Ben li€n quan la thdnh vien m{t thi6t trong gia dinh cua bdrt k! cd nhan ndo da neu trong
orem (a) noac (cJ:
(e) Ben liCn quan ld mQt t6 chuc tryc tidp ho{c gian ri6p chiu su kidm sodt. dilng kiim soiit
hoAc chiu dnh huong ddng kd, ho4c c6 quydn bi6u quyiit boi bAt ky c6 nhan ndo duqc d.i cflp d6n
trong di,im (c) ho{c (d).
25
ftsrr*HNBen hing TMCP Sli Gdn - HA Noi
T6rn tit giao dich lon voi c6c ben lien quan trong Qui I nem 20 l8
C6c giao dich I ntu oonP
Thu tu dich vu Uy th6c dAu t'r
Thu c6 tuc hr c6ng ty li6n quan
Thu lai cho vay
T6m trt cdc khoan phAithu phdLi trii c6c bCn
Cdc giao dkh
liCn quan tai thdi didm 3 I th6ng 03 n6m 201 E nhu saul
Phdi ttdl atgu aong
Phdi thulft(u aong
Cho \ay
Ki qui dA kinh doanh ching khoen
Uy rhdc dAu nr
l ler gur xhong xy han
Tiin gui c6 kj hgn
Dau tu veo clic ben lien quan 84,?06
Cdc khoin diu tu trdiphi€uLai phdirhu lircho vay. diu tu tr6i phi6u
V6n g6p cria c6c b6n li€n quan
Phdi tre laitidn giiPhi qudn ly phei re
84,706
I99,155
63?,080
t,197,643
t6,t39
2,050,01?
26
IAS-TI,ENgAn hlng TMCP SAi Cdn - Hi Noi
41. Chinh sdch quin lj rii ro li6n quan tl6n cCc c6ng cg tii chinh
Mvc tieu cta Ngan hang lA tiii da h6a gi6 tri deu tu cua c6 d6ng, gii vtng r6c d() ldng truong
lgi nhu{n vi tinh htnh td.i chinh lanh manh. Do vdy, viQc su dung c6c c6ng cu rei chinh. bao g6m
nhfln tidn gui cta kh6ch haog ve dAu tu vdo c6c tii san tai chinh co ch6t luqng cao da trs thdnh
ho?t dong mang tinh then chiit gitp Ngan hang dat dLro. c muc chenh lech lai sudt cin thi6r. Xdt ru
khia canh quAn lli rui ro, rtidu ndy ddi h6i Ngen hAng k6t hqp mQt c6ch c6n d6i giira c6c cam k6r
ngoai bilng (nh'r bao lanh vd thu tin dung) vqi cAc khoan cho vay (blng ddng nQi tQ cing nhu
ngoai tc) d6i v6i cec cd nhan vA t6 chuc thuoc c{c muc dO tin cay kh6c nhau. B€n canh d6, Ngdn
hang c0ng diiu tu mQt phdn v6n ltru dQng vAo c6c chrmg khorin dAu u hay cho c6c ng6n hdng kh6c
vay. Nhfng rui ro li6n quan diin trao d6i ngoai te ve thay d6i lai su:it du.c qudn ly th6ng qua 6p
dung hen muc trang thrii nhim h4r ch6 su t6p trung quri muc d6ng thoi tham gia vdo c6c hoqt dong
c6 t6c dqng c6n bang lan nhau d€ gidm thi6u rui ro. Th6ng qua vi€c nim gi[ nhiAu tai san le cac
c6ng cu tai chinh c6 chdt lugng cao, co cdu bdng crin d6i kd torin hqp nhdt cta Ngan hang c6 drl
khd ndng phdng ngira rui ro trgng y6u tlong qu6 rrinh hoat d6ng kinh doanh vi diim bao klA nang
thanh khorin. Th€m vdo d6, Ngan hang cing tham gia vdo nhiiiu giao dich phdng ngia rii ro li6n
quan d6n c6c c6ng cq tdj chinh nhu cric cam k6r hoan ddi ngoai te cho muc dich quan li rui ro lai
sudt.
Trong qu6 trinh quan Iy rii ro tin dung, Ngan hang dA si dung c6 higu qui Cim nang Tin dpng
trong d6 ghi chi ti6t ciic chinl sAch vd thu tpc cho vay cing nhu c6c hudng d6n thuc hiin dd chudn
h6a c6c hoat dQng tin dung cria NgAn hang. Rti ro thanh khoan dugc han ch6 rh6ng qua vidc nimgin mQt s6 Iuqng lqn tiAn m{t vd c6c khoan tuong duong tii;n dudi dang tdi khorin Nostro, cric
khodLn tiin gui c6 ki han rai Ngdn hirng Nhd nuoc vi c6c t6 chuc tin dpng khiic vd ciic giriy ro cd
gid. Cdc ti lC an toan c6 tinh d6n y6u tii rui ro cing dugc su dung dri qudn lf rui ro thanh kho6n.
Ngan harg thuqng tiiin hdnh drinh giri chdnh lfch lii suir, so siin} voi cdc rhi truong trong nuoc vd
qu6c t6 aC cO nhnng diAu chinh kip thdi. Th€m vdo tI6, vifc iip dung ciic quy trinh qudn lj rrii ro
nQi b0 cfing trd n6n hiQu qui hon nhd vi€c tri6n khai H€ thdng eudn lj V6n T6p rrung vi Hq th6ne
Thanh toan Tap fung, rheo d6 toan bO cdc giao dlch vi5n va thanh to6n cia Ngin hang deu do Hqi
so chinh thuc hiQn. ViQc d6 cho phip Ngin hang gidm s6r hieu quA hon c6c bi6n diii ve v6n vA
gidm c6c sai s6t c6 th€ xdy ra cing nhu nhtrng tht tuc phfc tap kh6ng can tni't.
42. Riri ro tin dgng
Rii ro tin dqng ld khd ndng xdy ra rdn rhAr trong hoar dang ngan hdng cia 16 chuc rin dqng do
kh6ch hdng kh6ng thuc hiQn hofu kh6ng c6 khri ntrng thyc hiQn nghia v1r cia minh theo cam k6t.
27
p!_9-rr..E
NgSn hlng TMCP SAi cdn - HA Noi
Ngrin hdng kirim so6t va qudn ly rii ro tin dgng bing cach thiijt l6p han mirc thanh to6n tuongimg v6i muc d6 rui ro md ngrAn hdng c6 thii chlip nhin duqc diii vqi m6i khrch hang ve d6i vqi m6ih-nh ruc dia lf, ngdnh nghd.
Ng6n hang da thii:t lap quy trinh sodt x6r chait luqng tin dpng cho ph6p du beo som nhAngthay d6i vA tinh hinh tai chinh, khd ntrng tre nq cia cec ben d6i tac dua tren cdc y6u 6 dinh rinh,dinh luqng. H4n mfc tfn dr,rng d6i vdi m6i kh6ch hang duqc thii:t ldp th6ng qua viCc sri dung hC
th6ng x6p h4ng tin dpng, trong d6 m6i khdch hang dugc x6p loai d mQr muc dq rui ro. Mfc dO
rui ro ndy c6 th6 tlugc sua d6i, cap nh6t thudng xuy€n.
43, Rrii ro thi tnrlng
13,1. Rii to ldi sudt
Thoi han dinh lai lai sudt thuc t6 ld thdi h?n cdn lai tinh rt thoi didm lap b6o c6o tAi chinhcho t6i k, dinh lai lai su6t gdn nh6t cua cac khodn muc tdi san vd ngudn v6n.
cric gid dinh vd didu kicn sau duqc ,ip dung trong phan tich thdi han dinh lai rai sudt rhuc 16
cia c6c tAi sdn vri cdng ng ctla Ngan hang:
> Tidn m5t, vang bqc dri quj; g6p vtin diu tu dei han vd c6c tei sAn c6 kh6c (bao gdm tdisan cil d;nl, bit a6ng sdn diu tu vd tai san c6 khac, tnr iy thiic ddu tu) dugc x6p loaikhodn mgc kh6ng bi dnh huong do dlnh lqi ldi suiit;
> Tian gti lai Ngan hang NhA nudc ViCr Nam rluqc x6p loai tidn gii tharrh toan do d6 kyhen dinh lei lai sudt thuc ti: duo3 xiip lo?i diln mQt rheng;
> Thoi han dinh lai ldi suiit thgc tii cua chung kho6n ddu hr vd chung khodn kinh doanhduo.c tinh dEa tr€n thdi gian d6o han thuc tC tai thsi diCm l6p biio cdo tai chinh ctatung loai chung khoan;
> Thoi han dinh lai lai sudt thuc t6 cia c6c khodn tidn gii vd cho vay ciic TCTD; c6ckhorin cho vay khdch hdng; ciic khoan nq chinh phi vd Ngdn hdng Nha nu6c VietNamt ciic khoan tiin giri vri vay cric Td chuc lin dung vA kioan muc lien guicia khdchhdng dugc x6c dinh nhu sau:
Cric khodn muc c6 lai sutit c6 dinh trong su6t thdi gian cia hqp tl6ng: Thoi han dinh lai Iaisudt thuc tC dua tr€n thdi gian diio han thuc 16 tini trr thqi diem lap brio crio tAi chinh.
Cdc khoaa mpc c6 ldi sudt thd n6i: Thdi han dinh lai lai su6t rhuc t6 cria cric hqp ddng chovay c6 thdi gian d6o h4n cdn lai dudi 6 th6ng dugc xdc dinh dua tren thdi gian deo han cdn lai;cnc hqp ddng c6 thoi gian drlo han cdn lai tr€n 6 thiing duoc x€p vdo loai tu 3 thring d6n 6 rhringdo k! dinh lai lni sudt crla Ngan hang tiSi da ld 6 thring mQt lAn.
2E
f4_s-tr.ENgAn hlngTMCPSii con - Hi Noi
> Thdi handinhlai lai su,it thgc t6 ctn khoan mgc ngu6n v6n tii trg ui th6c diu ru, cho
vay mA td chric tin dung chiu rii ro dugc tinh dva trCn thdi gian d6o han cdn lqj cria
trmg hqp ddng;
> Thdi h4n dinh l4i lai s*it crla cric khoan ng khric dugc x6p vio khorin mpc kh6ng bianh husng do dinh lqi hi suAt holc k! han tu I thring di5n 3 thring. Trong thpc t6, cec
kioan mqc niy c6 thd c6 thqi gian dinh lai lii su6t kh6c nhau
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z, ^^E+l{5._i!-,i 5 i € +..4.: r.s ! 1u!'=: € i 5 ig E,EiE:;-:i3 1v.i:se!-9.5.55F
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I'-FH.ENgAn hAng TMCP Sli cdtr - HA Noi
13.2. Rii to Ar, 4
Rrii ro tidn tQ lA li ro me giii tri cua cilc c6ng cU tai chinh bi thay d6i xudr phdr tu nhingthay oor ve ty gra.
Ng6n hang duqc thdnh lap vd hoat dong rai Vi6t Narn voi ddng tidn b6o c6o ld VND. Ddngtidn giao dich chinh cia NgAn hdng c[ng lA VND. Ciic khoan cho vay ve fng rrudc khach hengcrla Ngen hang chi y6u bing VI{D, mdt phin bing USD vd EUR. Tuy nhi€n, mgr s6 rdi sdn
khdc cua Ng6.n hdng lqi bing c6c ddng tiin k}dc ngoii \4\,tD. USD ve EUR. Ng6a hdng d6 duara m$t hQ thi5ng h4n muc dii quan li rr4ng thiii cta c6c ddng tidn. Trang thrii ddng tidn duqcquan ly tien cq ss hang ngdy vd chiiin lugc phddg ngua rii ro duoc Ng6n hAng su dung dd dambiio rlng tr4ng th6i cria cric ddng tidn duoc duy rri lrong hAn muc da thi€t lap.
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13.3, Rii to thonh khodn
Rii ro thanh khoan ld rui ro Ngdn hang g{p kh6 khdn trong viec thuc hien nhing nghiaq cho ciic c6ng nq rAi chinh. Rrti ro thanh khoan phet sinh khi Ngan hang c6 th6 kh6ngtri klan6ng thgc hien nghia vU tr6 ng khi nhtng.c6ng ng ndy diin hqn o nhiing thdi diiim binli thuqnghodc kh6 khen. DE giam thiiiu rui ro thanh kh;dn, ngan hang phdi huy-aQng tu nhiiu ngu6n didang khdc ngodi ngu6n v6.r co ban cia ngan hdng. Odng ihoi nedn hane"can c6 chi-nh s6chqua[l ly tei san c6 tinl thanh khoiin linh hoet, rheo ddi ddng rian t;ong lai va tinh thanh khodnhdng ngdy. Ng6n hAng cing cAn drinh giii ddng riin ds ki6n vd khi nanls san c6 cia tdi san ddmbdo hien ldi trong rrudng hqp can huy dQng rhEm ngu6n ,6n
Thoi gian deo han cua c6c tdi san va c6ng ng thd hien rhoi gian cdn lai cia tai san vd c6ngnq tinh. !u rtgdy lfp bdo cdo rdi chini ddn khi lhanl roitur rheo quy dinh rrong hqp ddng hoaitrong diCu kloan phet hanh.
Cdc gi6 tlinh vd didu ki6n sau duoc 6p dung trong phan tich rhdi gian d6n h4n cua cic tiiisdn vd cdng ng c0a Ng6n hang:
> Tidn gui lqi Ngan hang Nha nuqc Vigr Nam dugc x6p loai riAn gtri rhanh rod.n. rrong d6bao g6m.ri6n gtri du rr0 bit bugc. Sd du crla ri6n gui dU rrf iir buQc phu rhuQc viothdnh phan vd kj,h4n cua c6c khorin ri6n gul lhacl trang cUa Ngdn hangr
> Thdi gian tl6o h4n cta chimg khorin tliu tu dugc tinh dua tr6n ngdy dao han cria tungloai chimg khoria;
> Chrhg klorin kinh doanh dugc x6p vdo loai ki han di:n I rhring;> Thoi gian d6n han cta c6c khodn tiin.griivd cho vay cac TCTD va ciic khoan cho vaykhiich hang duscxric dinh dua vdo ngdV tt6n f,an.,iu flqp a6ig qry airf, fi, gi., aiihan thuc te c6 rhe rhay d6i do cdc kh6 uoc cho vay dusc gia-fril]Gai ra. cdc klodncho vay khdch hdng dusc thd hi6n bins sid rri s6"
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4s. rt crA MOT sO LoAr NCoAt rS vAo rHor DrtM cuOl euf3r-03-18 3l-12-17
USD
EUR
GBP
CHF
JPY
SGD
AUD
HKD
CAD
CNY
LAK
XAU
22,45t
28,079
31,998
23,920
2t5
I7,388
17,544
2,904
t7,685
3,63s
2.1090
3,676.000
2t,259
30,693
23,306
202
t6,980
17,1t8
2,906
It,054
3,490
2.6966
3,652,000
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