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SHB NGAN HANG THRONG MAI CO PHAN SAI GON - HA NQI
77 TrAn Flung Dan - Quan Iloan Klein -11a NO
'Eel. 04.39423388 Fax: 04.39410942
Rao cao tai chinh rieng le
Quy IV nam 2018
min s6: Q-Ola
Chi lieu
TD - BANG CAN DOI KE TOAN
MA chi Thuyet
tieu minh SA cued kY
Dan vi MA: Trieu clang
56 dav nam
A. TAI SAN
I Tien mgt, yang Inc, di quY 110 15 1,826,756 1,396,686
II Tien glii tai NHNN 120 16 3,187,062 2,970,959
III Tien, yang gni tai cac TCTD khac vA cho vay cac TCTD khAc 130 17 34,127,477 37,878,195
1 Ti6n, yang gin tai cac TCTD khac 131 33,719,602 32,224,189
2 Cho vay cac TCTD khac 132 407,875 5,654,006
3 Dir phong lin ro hen gUi va lien vay cac TCTD khac 139 -
IV Ch'ing khoin kinh doanh 140 22 1,749,271
I ChUng khoan kinh doanh 141 1,759,688
2 Du pheng gidm gia chting khoan kinh doanh 149 (10,417)
V Cac tong cy tai chinh phai sinh va de tai sin tai chinh khac 150 18 58,228 134,896
VI Cho vay khich hang 160 205,720,807 189,867,672
I Cho vay khach hang 161 19 208,500,081 192,574,825
2 Du phOng rid ro cho vay khach hang 169 20 (2,779,274) (2,707,153)
VII Ch'ing khoan dm tit 170 21 46,273,876 21,207/.
1
. 1800
I Chting khoan dau to sari sang de ban 171 23,433,318 12,2
, i .`" GAN
2 Chung khoan au to gift den ngay dao han 172 24,761,139 10 4:
3 Dv phOng giam gia chi:mg khaki day tu 179 (1,920,581) (I ir — /
'3433 :6Gto"Ni VIII G6p von, ditu to dai hgn 210 23 4,073,076 3 c
I
2
3
Dau tu vao tong ty con
V6n Op lien doanh
Dau to van cOng ty lien ket
211
212
213
3,877,309
-
\ , ..,, 3 V.L.
,1 "---.... 11 1<ifli
4 Dau to dal han khac 214 201,750 227,250
5 Du phOng giam gia dAu to dai han 219 (5,983) (11,785)
IX TM san ca dinh 220 4,749,668 3,930,975
I Tai san c6 dinh hOn hinh 221 24 443,030 404,319
a Nguyen KO TSCD hOn hinh 222 1,060.857 960,547
b Han men TSCD hem hinh 223 (617,827) (556,228)
2 Tai san co dinh thug tai chinh 224
a Nguyen Ma TSCD 225
b Hao men TSCD 226 -
3 Tai san c6 dinh v6 hinh 227 25 4,306,638 3,526,656
a Nguyen gia TSCD va hinh 228 4,532,245 3,726,265
b Hao men TSCD vo hinh 229 (225,607) (199,609)
X Hat dOng san dAu tir 240 -
a Nguyen gia BDSDT 241
b Hao men BDSDT 241 - -
XI Tai sin Co khic 250 26 19,860,891 25,519,952
I Cac khoan phai thu 251 7,278,608 12,749,301
2 Cac khoan lai, phi phai thu 252 9,714,467 7,876,270
3 Tai san thue TNDN hoan lai 253 -
4 Tai san CO khac 254 3,627,453 5,294,790
5 Cde khoan du phong roi ro chn the iai san Co n01 bang khac 259 (759,637) (400,409)
TONG TAI SAN CO 300 321,627,112 286,346,876
Su .iAu nam
2,758,343
53,269,172
33,566,611
19,702,561
194,211,108
1,064,161
15,967,269
4,551,183
4,085,903
465,280
271,821,236
14,525,640
11,293,347
11,196,891
101,716
(5,260)
1,201,608
•ANG
'IA 7
9,955
14,695,470
23,110,802
Lip bleu
tt
Nguyin Th1 Hann floa
\50627143
NGAN HANG
THLIONG M I PHA
CON-HANG' c) • +°-
(hang nam 2019
Giam DOcTi . Tbea 0
CM tieu Ma chi Thuyet
tieu minh 86 cuoi ky
B NQ PHA1TRA VA VON CHU SO FIULI
I Cac khoin nq Chinh pal va NHNN 310 12,096,858
II Tien girl va vay cua die TCTD khic 320 27 44,283,008
1 Tien gen cua cac TCTD khac 321 30,701,402
2 Vay cac TCTD Ude 322 13,581,606
III Tien gill run khach hang 330 28 224,137,587
IV Cat cong cup [Ai chinh phai sinh va cac khoiin nq tai chinh khic 340
V VOn tai trq, uy that tir, rho vay ma TCTD phi' chju rui ro 350 29 1,473,711
VI Phat Minh gily ye gil 360 30 17,071,736
VII Cac khan Nq khic 370 31 6,240,392
1 Cac khoan Jai, phi phai tra 371 5,361,315
2 Thu TNDN hoan Ini phai Ira 372
3 Cac khoan phai tra va ding no khac 373 879,077
4 Do pheng rui ro khac 379
TOng Nq phai Ira 400 305,303,292
VIII VOn va cac guy 500 32 16,323,820
I Von cua TCTD 410 12,132,617
a Van diE;zi 1e 411 12,036,161
b Vein dciu 01. XDCB 412
c ThOng du vein co phdn 413 101,716
d Cdphieu qu,9 414 (5,260)
e Co phidu uu dal 415
g Vein khtic 416
2 Ong, cua TCTD 420 1,201,608
3 Chenh Lech ty gia heA doll 430
4 Chenh Tech danh gia lai tai san 440
5 Lqi nhuYn chtra phan phdi 450 2,989,595
VIII Lqi ich cua co Jong thieu s4 700
TONG NQ PHAI TRA VA VON CHO SO HiTU 800 321,627,112
CAC CHI TIEU NGOAI BANG
I Nghia vy nq am An 910 63,731,021
I Bar) lanh vay veal 911 16,208
2 Cam ket trong nghiep va L/C 912 14,192,041
3 Bao lanh khac 913 49,522,772
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BAG cao tai chinh Hang le Quy IV nam 2018
Min Q-03a NCAN HANG TMCP SAi CON - HA NQI 77 Tit Hung Dan Quan Hoan Klein - HA NO1 Tel 04.39423388 Fax: 04.39410942
TD - BAO CAO LUU CHUYEN TIEN TE - PPTT - QUt
DVT: Trieu thing
I Ltru CHUVEN TIEN Ili HO4kT DQNG KINH DOANH
I Thu nhap los va cac khoan thu nhap tuong ttr nhan duqc 01
2 Chi phi lai va cac chi phi tuong ttr da tra 02
3 Thu nhap to hoot dOng djch vu nhOn clime 03
4 Chenh led s6 tie'n that thu/thuc chi Ut hogt dOng kinh doanh 04
chimg khoan, yang bac, ngooi to
5 Thu nhap khac 05
6 Tien thu cac khoan nq da dude xit ly xod, bit dap bang nguon dtr 06
phOng raj ro
20,882,710
17,794,261
(15,076,118)
(12,464,241)
576,243
1,386,313
(770,707)
418,691
115,193 122,128
61,339 16,911
7 Tien chi tra cho nhan vien va heat dOng quail Iji, tong vu (*) 07 (3,267,108) (2,630,039)
8 Tian thue thu nh5p thtrc nOp trong ky (*) 08 (327,662) (238,59
Nhfrng (hay dill 4 (a! son hoar dOng NGAN I-
Lou chuyEn lib] thuAn to hoot Ong kinh doanh trutc nheng 09
thay doi s4. tai san va von lut dOng 2,193.890 4,4
THONG MAI cac TCTD khdc 10 5,246,131 1, lien, yang girl va elm vay 9
khoan (Tang)/Giam cac
SAI GON- 10 (Tang)/Giam cac khoan ve kinh doanh chUng khoan 11 (26,187,427) (3,0
(Tang)/Giam cac cOng cu tai chinh phai sinh va cac tai san tai 11
chink khac 12
12 (Tang)/Giam cac khoan cho vay khach hang 13
(Tang)/Giam nguen du phOng de bn dap ton that cac khoan (tin 13
14 dung, chUng khoan, dau tu dal han)
14 (Tang)/Giam khac v6 tai san hoot dong 15
Nhfrng (hay dile 14 Sag ny haat dOng 15 Tang/(Giam) cac khoan nq Chinh phi) va NHNN 16
16 Tang/(Giam) cac khoan tien gin, tian vay cac TCTD 17
17 TAng/(Giam) tien gel cis khach hang (bao goin ca. KBNN) 18
Tang/(Giam) phat hanh giay tO co gia Ow* trir giay th co gia phat 19 18
hanh throe tinh vao heat dOng tai chinh)
Tang/(Giam) von tai trq, u9 Iliac dau tu, elm vay ma TCTD chiu rid 19
20 409,550 ro
Tang/(Giam) cac Ong en tai chinh phai sinh va cac khoan no Si 21 20
chinh khac
21 Tang/(Giam) khac va cOng no heat dOng 22
22 Chi to cac quy ctia TCTD (*) 23
Lull chuyEn hen thuAn tir hoot Ong kinh doanh 24
II LIM CHUVEN TIEN Tir HOAT DQNG DAU TV
I Mua sam tai san co dinh 25
2 Tien thu to thanh 1y, nhuong ban TSCD 26
3 Tien chi to thanh 1y, nhuong ban TSCD (4) 27
4 Mua sam bat Ong san data tu (*) 28
5 Tien thu Hz ban, thanh IS, bat dOng san dau tu 29
6 Tien chi ra do ban, thanh 1Y bat dOng san dau tu (*) 30
7 Tian chi dau tu, gOp von vao cac don vi khac 31
8 Tian thu Tau tu, gOp On vao cac don vi khac 32
Tien thu co tire va loi nhuan duqc chia to cac khoan dau tu, O 33 p 9
von dai han
lArti chuyin tien thuAn tir hoot Ong dau to 34
76,668
(15,925,162)
722,271
3,649,203
9,338,515
(9,047,408)
29,926,479
1,104,467
-
496,070
2,003,247
(145,918)
4,518
(2,756)
-
(583,900)
25,501
2,202
(700,353)
(89,
(35,750,648)
(220,462)
(4,506,733)
185,923
13,064,145
28,315,458
2,199,594
255,274
(216,250)
5,828,720
(115,948)
1(847,3'58939)
(12,857)
115,952
51,950
222,313
III LUU CHUVEN TIEN TiHOAT BONG TAI CHINH
to02 7 863 01
co. NGAN liANGVo
WONG Mtd CtSPH''
SRI I N• HA Ncl
ngOy awing tram 2019
T6ng Clam d6cily.--
Nguyin Thi Hgnh Hoe • Thi Van
Ke toan trtrimg
I Tang vein c6 phan tG gap von va/hoac phat hanh co phieu
2 Tien thu phat hanh gray Ur co gia dal han co Chi dieu kien tinh 36
vao von lc( co va cac khoan von vay dai han khac
3 Tien chi thanh toan giay to ca gia dai han co du dieu kien tinh vao 37
38 (578) (330)
39
40
41 838,692 (330)
42 2,141,586 6,050,703
43 36,591,834 30,541,131
44
45 38,733,420 36,591,834
35
839,270
von tu co ye cac khoan von vay dai han khac
4 Co t&c try cho c6 dOng, Iqi nhuan do chia (")
5 Tien chi ra mua c6 phieu ngan quS? (*)
6 Tien thu duce do ban co phieu ngan quy
Lwu chuyen tien thuAn tir hogt Ong tai chinh
IV him chuyen tien thuAn trong kj)
V "lien va cac khoan Wang throng tien tai (hid diem dAu kY
VI Dieu chinh anh hwentg can they d6t ts, gia
VII Tien va tic khan twang dying tien tgi thiri diem cu6i ky
IF
eilismer;t ngiin See x'70
INC OPHA
IA NO!
THUYET MINH BAO CAO TAI CHiNH RIENG LE Cho giai cloan tic ngay 01 thong 10 nom 2018
clen ngay 31 thong 12 elm 2018
irk SHB Ngfin hang TMCP Sai Can — Ha N5i
THUYET MINH BAO CAO TAI CHiNH RIENG LE Qus? IV NAM 2018
1. Thong tin 14 ngfin hang
GiAy phep host tieing 0041-NH/GP ngay 13 thang 11 nam 1993 Giay phep host d6ng do Ngan hang NhA nuOt Viet Nam cap Thai han host d6ng cua Ngan hang la 40 nam ke to ngay cap giAy phep dau tien.
Hqi ding Quan tri
Ong D6 Quang Hi'En Ong VO Dire Tien Ong Nguyen Van Le Ong Iran Ngoc Linh Ong Thai Qu6c Minh Ong D6 Quang Huy Ong Pham COng Doan Ong Trinh Thanh Hai Ban kiCtn suit
Ong Pham Him Binh Ong Nguyen Hau Due Ba Nguyen Thi Hoat BA Le Thanh Cam BA Pham Thi Bich H6ng
Chu tich Pho chit tich Thanh vien Thanh vien Thanh vien d6c lap Thanh vien Thanh vien Thanh vien
Thanh vien Thanh vien Thanh vien Thanh vien Thanh vien
Tai 136 nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 B6 nhiem ngay 28 thang 04 nam 2017 Tdi 116 nhiem ngay 28 thang 04 nam 2017 B6 nhiem ngay 28 thang 04 nam 2017 BO nhiem ngay 23 thang 04 nam 2018
Tai bo nhiem ngdy 28 thang 04 nam 2017 Tai bo nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 B6 nhiem ngay 28 thang 04 nam 2017 136 nhiem ngay 28 thang 04 nam 2017
Ban TOng Giam dOc yi Ke Wan trtrorng
Ong Nguyen Van Le Ong LE Dang Khoa Ong Nguyen Huy Tai Ba Ng6 Thu Ha Ba Ninh Thi Lan Phuang Ba Dang T6 Loan
Ong Tran NI* Nam
Ba NgO Thi Van
Try ser chinh
T6ng Oiam d6c Pho T6ng Giam &lc Ph6 T6ng Giam d6c Pho T6ng Gam d6c Pho T6ng Giam doc Pho T6ng Giam d6c
Ph6 T6ng Giam d6c
Tai b6 nhiem ngay 21 thang 5 nam 2014 BO nhiem ngay 10 thang 4 nam 2009 B6 nhiem ngay 18 thang 02 nam 2013 B6 nhiem ngay 15 thang 3 nam 2011 B6 nhiem ngay 08 thang 06 nam 2012 B6 nhiem ngay 9 thang 10 nam 2012
136 nhiem ngay 26 thang 10 nam 2018
Ke toan twang B6 nhiem ngay 11 thang 11 nam 2014
s6 77 - Tran Hung Dao - Q.Hoan KiEm - TP.Ha N6i - Viet Nam
11 SHB Ngan hang TMCP Sai Gen — Ha NOi
2. Dic diem bout Ong cua to chic tin dung
Ngan hang Thuong mai Co phan Sai Gen - Ha Nia (dual day gal tit la "Ngan hang") la mat
ngan hang thuong mai ca phan Viet Nam thanh lap tai nude Ceng hoa xa hei Chi) nghia Viet Nam
yeti thai gian hoat clang la 40 nam theo 0041-NH/GP ngay 13 thang 11 Warn 1993 caa Ngan hang
Nha nuec Viet Nam.Van dieu le cua Ngan hang tai ngay 30/09/2017 la 11.196.891 trieu ding
(Muni mat nghin met tram chin muori sau t; tam tram chin muoi mat trieu clang).
Frei sa chinh cua Ngan hang dat tai So 77 - Tran Hung Dao - Q.Hoan Kiem - Ha Nei - Viet Nam. Tai ngay 31/12/2018 Ngan hang c6 nhan vien 5.506 (DAu nam 2018: 5.395 nhan vien).
3. Tom tit Sc chinh sach ice toan chu you
Chan mvc va the cto ke toan ip dung Ngan hang trinh bay cac bao cao tai chinh theo Lust cac To chirc Tin clang, Luat sea dai va ba
sung mat se.) dieu trong Luat cac To chirc Tin dung, cac chuan mgc ke toan Viet Nam va He thang
Ke toan cac to chirc tin dung Viet Nam.
Ky bio cao ILA dun vi tien te Ky bao cao cua Ngan hang bat clan to ngay 01/10/2018 va k'et thOc vao ngay 31/12/2018. Don
vi ti'en te sir dang trong ghi chop ke toan la clang Viet Nam (VND). Tuy nhien, theo quy dinh tai Thong tu 49/2014/TT-NHNN ngay 31/12/2014 dm Ngan hang Nha nutc, cac so lieu tr'en Bao cao
tai chinh dugc lam trot) den hang trieu va trinh bay theo don vi trieu dang Viet Nam.
4. Nguyen tic ghi nhin cac nghiep vy bing ngoai to vi quy dOi
Theo he [hang ke toan caa Ngan hang, tat ca cac nghiep va Oat sinh cua Ngan hang duce hach
toan theo nguyen te. Tai thai diem cuai nam, tai san va cong ng c6 nguan gac ngoai to dugc quy
dal sang VND theo ty gia quy dinh vao ngay lap bang can dai ke toan. Cac khoan thu nhap va chi
phi bang ngoai to cea Ngan hang dugc hach toan bang VND theo ty gia vao ngay phat sinh thong
qua giao dich mua ban ngoai te. Chenh loch ty gia do danh gia lai cac tai khoan kinh doanh ngoai to
dugc hach toan vao bao cao Ket qua Hoat do, ng Kinh doanh va lai nhuan lai. Chenh Lech ty gia
phat sinh do quy d6i cac tai san va cong ng khac bang ngoai te sang VND dugc xir 19 vao doanh so
caa cac khoan mac Mang ling troll bang can dal ke toan vao ngay lap bao cao tai chinh.
5. Chting khoin dAu tu gilt' den ngay dio han
Chung khoan ng gill den ngay dao han la cac chUng khoan c6 ky han co dinh va cac khoan
thanh toan ca dinh hoac co the xac dinh dugc va Ban Tang Giam (lac coy dinh va c6 kha nang gia
den ngay dao han. Ngan hang dang ghi nhan cac chUng khoan nay theo gia gac Ong lai du thu tit
Lai cha phan be. Gia tri pha [raj hoac chi& khau (new c6) cling dugc phan anh vao gia tri ghi so caa
khoan dau tu. Lai dirge du thu hoac phan be) theo phuong phap &rang thang. Chung khoan dugc
gift den khi dao han se dirge xem xet ve kha nang giam gia. ChUng khoan duce lap du pheng giam
SHB Ngan hAng TMCP Sal Gen — HA N(li
gia khi gia tri thi trueng nhe han gia tri ghi so. Dg phOng giam gia dugc ghi nhan vao bao cao ket
qua hoat deng kinh doanh.
6. Chting khoin dAu to sin sang de' ban
Chung khoan dau to san sang a ban b cac chUng khoan dugc gia trong thesi gian kitting an
dinh truck, c6 the dugc ban de" dap img nhu cao thanh khoan hok Ung ph6 veri twang hgp thay
del lai suit, ti gia, hoac gia tri chung khodn. Ngan hang dang ghi nhan cac chUng khoan nay theo
gia gee Ong lai dg thu trir lai the phan be. Gia tri phu tri hoac chi& khau (neu co) cang dugc
pilau anh vao gia tri ghi se dm khoan dAu tu. Lai dugc dg thu hok phan be theo phuong phap
duong thing. Cac chUng khoan nay dune danh gia dinh ky theo gia tri thi twang va du ph6ng giam
gia tri se dugc lap khi gia tri thi twang nhe han gia tri ghi so. Dg phong giam gia dugc ghi nhan
vao bao cao ket qua hoat deng kinh doanh.
7. Chang khoin kinh doanh
Chung khoan kinh doanh la chung khoan ban dau dugc mua va nam gilt cho muc dich kinh
doanh trong ngan han hoac neu Ban 'king Giam dec quyet dinh nhu vay. Ngan hang dang ghi nhan
cac chirng khoan nay theo gia g6c vao ngay giao dich. Trong cac ky tiep theo, cac chUng khoan tiep
We duct ghi nhan theo gia gec. Tuy nhien, gia tri thi twang ctia cac chung khoan van dugc Ngan
hang theo dOi de danh gia ve kha nang giam gia khi gia tri thi trueng thap han gia gee. Ngoai 'Eric
twang hgp killing the xac dinh gia tri thi trueng met each cline chin thi gia tri da chung duct tinh
Oa trail nguyen gia sau khi trir di ten that Irk tinh (neu co). Lai hoac 18 to kinh doanh chirng
khoan dugc ghi nhan tren bao cao ket qua hoat dOng kinh doanh theo se thuan.
8. Cie khoin cho vay va titg trtrac khach hang
Cac khoan cho vay va ang truck khach hang duce Gong be va trinh bay theo se du ng gec tai
thai diem cuei ky ke toan.
9. Dy phong rui ro tin dung
Cac khoan cho vay khach hang dugc phan loai theo Thong to so 02/2013/TT-NHNN ngay 21
thing 01 nam 2013 va Thong to se 09/2014/TT-NI-INN ngay 18 thing 03 nam 2014 dm Ngan hang
nha nuarc ve viec phan loai ng, trich lap va sic dung dg phOng xir ly rui ro tin dung trong hoat
&ling ngan hang elm to chick tin dung voi the mire do rtli ro nhu sau: Ng de tieu chuAn, Ng can chic
Y, Ng dual tieu chuan, Ng nghi nee va Ng c6 kha nang mat yen dui vao tinh trang qua han va cac
yeu to dinh lugng khac cua khoan cho vay.
Cac khoan ng dirge phan 100 la Ng dual tieu chuan, Ng nghi ngo va Ng co kha Wang mat yen
dugc coi la no xAu.
3
SHB Ngfin hang TMCP Sai Gan — Ha Nal
- Dy phong cu the
Du phong cu the dugc trich lap tren rui ro tin dung thuan cua cac khoan cho vay theo t9 le
tuong img voi timg nhom nhu sau:
Ahem Logi o 4; Sit pining en Hit'
1 No du tieu chuan 0%
2 Ng can chti 9 5%
3 No dual tieu chuAn 20%
4 Ng nghi nger 50%
5 Ng co kha nang mat von 100%
Rui ro tin dung thuan cua cac khoan cho vay khach hang dirge tinh bang gig tri con la' cita cac
khoan cho vay trix gig tri elm tai san dam bao da dirge chiet khau theo cac t9 le theo quy dinh trong
thong to so 02/2013/TT-NHNN, thong to s6 09/2014/TT-NHNN.
- Dv 'thong chung
Ngan hang thvc hi'en trich lap va duy tri du phong chung bang 0.75% tong gig tri cac khoan ng
duce phan loai to nh6m 1 den nhom 4, trir cac khoan tien giri tai to chirc tin clung trong nuac, chi
nhanh ngan hang nuec ngodi tai Viet Nam theo quy dinh cua phap luat, tien giri tai to chirc tin
dung nu& ngodi va cac khoan cho vay, mua co k9 han giAy to co gig do' voi to chirc tin dung, chi
nhanh ngan hang nuac ngoai khac tai Viet Nam.
Dv phong rui ro tin dung tai Campuchia, Lao ap dung theo quy dinh hi'en hanh cua NHNN
Campuchia, Lao trong ky bao ea° tuong (mg.
10. Thi san Si dinh
Tai san c6 dinh dirge the hien theo nguyen gig tit di khau hao lOy ke. Nguyen gig bao gom
toan bo cac chi phi ma Ngan hang phai bo ra de co dirge tai san c6 dinh tinh den thai diem dua tai
san do vao trang thai san sang sir clang. Tai san co dinh dirge tinh khau hao theo phuong phap
duemg thang de trir dan nguyen gig tai san trong suet tiled gian hiru dung trot tinh nhu sau:
- Nha cira, vat kien true 25 nam
- May [mac, thiet bi 03 - 05 nam
4
SHB Ngan hang TMCP Ski Gen — Ha NOi
- Phuong tien van tai
- Thiet bi vAn phong
- Tai san co dinh hat hinh khac
- Phan mem may tinh
- Tai san ce dinh vo hinh khac
06 - 10 nam
03 - 07 nam
04 — 07 nam
03 — 08 Warn
02 - 20 nam
Quyen sir dung dAt dirge khau hao theo phuong phap dithng thong phO hgp voi GiAy chUng
nhan quyen sir dung dAt. Quyen sir dung dot vo theri han dirge ghi nhan theo gig gee va kh8ng tinh
khau hao.
11. Tian va cac khan twang throng tian
Tien va cac khoan tucmg duong tien bao gem tien mat, yang, cid qu9, tien girl thanh toan tai
NI-INN, tin phieu Chinh phti va cac giay to co gig ngan han du dieu kien chiet khAu vai NUNN, cac
khoan tien girl thanh toan va tien gui, cho vay tai cac to chi:1'c tin dung khac co the.' han dao han
khong qua 3 thong ke tir ngay girl.
12. Cac citing cy tai chinh phai sinh
Cac cong cy tai chinh phai sinh dirge ghi nhan Iron bang can del Ire toan theo gig tri hop long
vao ngay giao dich, va sau do dugc danh gig lai theo gig tri hgp 19. Lgi nhuan hoac 18 khi cac ding
cu tai chinh phai sinh dugc thyc hien dirge ghi nhan trong bao coo '<et qua boat deng kinh doanh.
Lgi nhuan hoac 18 chug thuc hien dugc ghi nhan vac, khoan myc chenh Lech danh gig lai cac ding
cy tai chinh phai sinh teen bang can del ke toan va dirge ket chuyen vao ket qua hog Ong kinh
doanh vao the' diem cue' nam.
13. Ghi nhAn thu nhap/ chi phi lAi
Ngan hang ghi nhan thu nhap tir rai va chi phi lAi tren bao coo ket qua hoat deng kinh doanh
tren co se du thu, du chi.
14. Ghi nhAn thu nhAp tie phi va hoa hang Bich vu
Ngan hang thu phi tic cac dich vy cung cAp cho khach hang. Thu nhap tit phi có the chia thanh
cac nh6m sau:
• Phi thu tir viec cung cap dich vy trong mi)t !hill gian nhdt dinh: Phi thu tir viec
cung cAp dich vu trong met thai gian nhAt dinh doge du thu trong suat thCri gian do. Phi nay
bao gem phi quan 1y, phi nhan uy that, hoa Firing va cac phi hen quan den cap tin dung,
quan 19 tai san, phi quan 19 danh invc va cac chi phi quan 1y cling nhu phi to vAn khac.
111SHB Ngfin hang TMCP SAi Con — HA NOi
• Phi thu viec cung dip dich vu giao dick Phi phat sinh tir viec dam phan va tham
gia dam phan cac giao dich cho met ben thir ba, vi du nhu dan xep viec mua co phAn hoac
cac Ioai chang khoan khac hoac mua lai doanh nghiep, duac ghi nhan khi hoan tAt giao dich
lien quan. Phi hoac met phan cua khoan phi nay c6 lien quan den viec thtrc Hen met cOng
viec nhat dinh se duct ghi nhan khi hoan tAt dieu kien twang ang.
SHB Ngfin hang TMCP Ski Gem — Ha NW
15. Tien mat, yang 4c, di quST
31/12/2018
Trieu clang
31/12/2017
Trieu clang
Tien mat bang VND 950,192 885,962
Tien mat bang ngoai to 876,145 508,106
Kim loai 419 2,618
1,826,756 1,396,686
16. Tien gui tai Ngfin hang Nhl ntrot
31/12/2018 31/12/2017
Trieu clang Trieu thong
Tien girl thanh town tai Ngan hang Nha nuem 3,187,062 2,970,959
3,187,062 2,970,959
17. Tien, yang girl tai cat t6 chat tin dung khic
31/12/2018 31/12/2017
Trieu eking Triu d6ng
Tian, viing gin killing 4 hun 25,185,820 26,142,012
- Bang VND 24,091,137 20,561,678
- Bang ngoai t'e, yang 1,094,683 5,580,334
Tian, yang gin cO kj7 hgn 8,533,782 6,082,177
- Bang VND 3,348,000 3,130,000
- Bang ngoai te", yang 5,185,782 2,952,177
Cho vay 407,875 5,654,006
- Bang VND 117,500 5,654,006
- Bang ngoai te, yang 290,375
34,127,477 37,878,195
7
SHB Ngfin hang TMCP SAi Gan — Ha NW
18. Cac tong cy tai chinh phai sinh vA cac tai san tat chinh khac
Tong gig tri ghi sa ka tobn
Tong gig tri cita hqp (theo tfigia tai ngay 14p ha° ego)
Bang (theo 132 gib ngay (trieu clang) hieu Igo hqp clang)
(trieu clang)
Ten sari Clang ng
Ti ngay 31 thing 12 nom 2018
COng cy TC phai sink din 1? 2,291,513 58,228
Giao Bich ky han tiM t" 647,885 15,625
Giao dick hoar' riti kS, ban 1,643,628 42,603
Tai ngay 31 thing 12 Rim 2017
Cong cy TC phdi sink din tQ 5,012,762 134,896
Giao Bich ky han 'Wen t" 296,967 2,316
Giao dish hoan din kji han 4,715,795 132,580
8
SHB NOM hang TMCP Sal Can — Ha INOi
19. Cho vay khich hang
19.1. Phan tich chat luong no cho vay
31/12/2018
Trieu thing
31/12/2017
Tries' clang
No du tieu chuan 199,601,693 184,883,038
Na can chti 9 3,892,209 3,202,956
Na dual tieu chuan 254,388 644,785
Na nghi ngb 874,160 1,082,955
Na ce kW, nang mat vAn 3,877,631 2,761,091
208,500,081 192,574,825
19.2. Phan tich du no theo thei gian
31/12/2018 31/12/2017
Trieu clang Trieu clang
Ng ngan han 87,776,156 82,505,710
Na trung Ilan 57,771,552 53,241,552
Na clai han 62,952,373 56,827,563
208,500,081 192,574,825
19.3. Ty le no
31/12/2018 31/12/2017
(Y0
T9 lA no qua han 4.27% 3.99%
T9 Ie no xAu 2.40% 2.33%
9
11SHB Nan hang TMCP Sai Gan — Ha Nai
19.3. Phan tich du nc cho vay theo did ttryng khich hang va loai hinh doanh nghiep
31/12/2018
Trieu thong
31/12/2017
Trieu clang %
Cong ty Nha nu& 5,467,281 2.62% 7,636,926 3.97%
Cong ty TNHH NM nuec 13,058,398 6.26% 13,486,439 7.00%
C6ng ty TNHH khac 33,997,631 16.31% 33,029,095 17.15%
C6ng ty co phan von Nha nu& 13,093,719 6.28% 16,986,532 8.82%
COng ty co phan khac 87,681,123 42.05% 79,997,405 41.53%
C6ng ty hop danh 6,158 0.00% 8,321 0.00%
Doanh nghiep to nhan 2,324,998 1.12% 1,676,668 0.87%
Doanh nghiep có von dau to nu& ngoai 30,801 0.01% 32,569 0.02%
Hop tac xa va lion hiep hop tac xa 43,441 0.02% 58,869 0.03%
HO kinh doanh, ca nhan 50,902,909 24.41% 37,323,800 19.38%
Thanh phan kinh to khac 1,893,622 0.91% 2,338,201 1.21%
208,500,081 100% 192,574,825 100%
10
SHB NOW hang TMCP Sai Gan - HA Ni
19.4. Phan tich du nq cho vay theo nginh kinh to
31/12/2018
TriOu clang 14
31/12/2017
TriO'u ci•6ng 14
Nang nghiep va lam nghiep va thtiy san 34,808,283 16.69% 40,201,701 20.88%
Khai khoang 4,487,214 2.15% 7,652,452 3,97%
C6ng nghiep chd bien, the tao 28,631,050 13.73% 26,677,483 13.85%
San xuat va phan ph6i dien, khf dOt, nu&
hai mac va dieu hoa kh6ng khi 15,368,458 7.37% 10,757,675 5.59%
Cung cap nude; hoat dOng quan 19 va xtir 19
rac thai, nude thai 158,585 0.08% 118,922 0.06%
Xay clang 28,383,427 13.61% 27,607,085 14.34%
Ban buon va ban le; Ada chfra 6 CO, mo to, xe may va xe c6 dOng ca khac
35,994,402 17.26% 32,205,659 16.73%
Van tai kho bdi 2,406,192 1.15% 3,158,672 1.64%
Dich vg luu Ina va an uong 1,166,877 0.56% 1,027,207 0.53%
Thong tin va truyen thong 959,840 0.46% 111,063 0.06%
Hog dOng tai chinh, ngan hang va bao hiem 2,459,483 1.18% 2,254,045 1.17%
Boat dOng kinh doanh bAt dOng san 15,162,622 7.27% 15,258,716 7.92%
Hog dOng chuyen mOn, khoa hoc Nita ding
ngh'e 89,474 0.04% 599,078 0.31%
Float d'Ong hanh chinh va dich vu 116 tro 951,543 0.46% 1,293,769 0.67%
Boat Ong cUa Dang COng san, to chic
chinh tri - xa hOi, quan 19 nha nark, an ninh
qu6c phong; bao dam xd hOi bit bugc
28,546 0.01% 42,649 0.02%
Giao duc va dao tao 556,614 0.27% 277,413 0.14%
Y t6 va hoat dOng trg ghlp xa hOi 68,534 0.03% 113,201 0.06%
Nghe thuat, vui chai va giai tri 271,669 0.13% 253,275 0.13%
Float Ong dich vg khac 32,246,964 15.47% 19,461,684 10.11%
Hoat dOng lam thud cac cong viec trong cac
ho gia dinh, san xuat san pham vat chat va
dich vg to tieu dung dm ho gia dinh
4,300,304 2.06% 3,503,076 1.82%
Tong du nu 208,500,081 100% 192,574,825 100%
11
SHB Ngfin hang TMCP Sii Con —1-la NAi
20. Dy phong rui ro tin dung
Dy phong chung Du pheng cy the
Trieu clang Trieu clang
la nay (31/12/20181
SO du dAu ky 1,411,340 1,295,813
Du phong fin ro [rich lap va sir dung tong kS, 7,534 64,587
SA du cutii kt 1,418,874 1,360,400
21. Chting khoin fir
21.1. Chun khoin dAu tu sAn sang de ban:
31/12/2018
Trieu clang
31/12/2017
Trieu clang
Chieng khoan Nq 23,399,720 12,234,750
ChUng khoan Chinh phu 8,993,786 7,996,542
Chang khoan Nq do the TCTD kha.c trong nuerc phat hanh 2,182,712 2,799,851
Chung khoan Nq do cac TCKT trong mite phat hanh 12,223,222 1,438,357
Chung khotin 33,598 33,598
Chang khoan Vein do cac TCTD khac trong nude phat hanh 796 796
Chung khoan Vein do cac TCKT trong ntrUc phat hanh 32,802 32,802
Giti tri chting khoan Au tu• scin sang di ban 23,433,318 12,268,348
D1r phang gill m giti cherng khotin san sang di ban (180,656) (125,904)
23,252,662 12,142,444
12
irk SHB Ngan hang TMCP Sal Con - Ha N6i
21.2. Cluing khoin d'au to giv den ngiy din han:
31/12/2018
Trieu clang
31/12/2017
Trieu clang
Chung khoan Chinh phia 8,039,210 149,719
Chung khoan Ng do cac TCTD khac trong mac phat hanh 8,694,237 1,799,797
Chung khodn No do cac TCKT trong nuec PH 8,027,692 8,733,346
Gib Id ailing khotin dais 1w giit den ngity ado hunt 24,761,139 10,682,862
DT phbng glum girl Man khodn ttau ht gift din nay dtio
km (1,739,925) (1,617,342)
23,021,214 9,065,520
22. Cluing khoan kinh doanh
31/12/2018 31/12/2017
Trieu clang Trieu clang
Ching khotin Nff 1,759,688
- Chung khoan Ng do eau TCKT trong nuec 1,759,688
plat hanh
1,759,688
23. Gen vim, au tir dal han
31/12/2018
Trieu clang
31/12/2017
Trieu cto'ng
Dnu to vao cong ty con 3,877,309 3,224,112
Cac khoan dau to dai ban khac 201,750 227,250
Dv phOng giam gia clau to dai han (5,983) (11,785)
4,073,076 3,439,577
13
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I4F,t{=ENgAn hing TMCP Sli Gdn - Hd Noi
25. Tli sin c6 dinh v6 hinh
Trng, giam Bi sin c6 dlnh v6 hinh ky nty:
Quyin sri d$ng d6t Phiomamvitinh
Don vitlnh fieu dingTSCD
v6 hlnh ki6cc0ng
3,486,t01795,166
795,)66
206,3s4
10,226
10,226
(91r)
33,110
4,262
4,262
(2,7s6)
3t126,265
809,654
809,651
(3,614)
(3,674)(918) (2,756)
42E1,961 215,662 34,616 4,532245
KhoAn muc
NguyGr gi6
s6 ou oAu tY56 tang trong ki- Muo trong ki56 giArn trong ki- Thanh li, nhvang bdn
s6 ducu6i kiGid tri hro ItrdD luY k6
56 dudiu kY
s6 tlng trong ki- Khiiu hao rrong kj,
56 giiim trong k,- Thanh li, nhuqng bdn
50 Or CUOI r(y
GiA tri cdn leiT{i nsiy dAu k}T+i ngiy cu6i ki
5,t05158
156
t12,7t424,106
24,106
(2,680)
r99,6092A,67t28,678
(2,610)
21,090
4,414
1.111
(2,680) (2,6E0)
5.963 194,140 2s,504 225,607
3,480,995 33,540 12,020 3,526,636
4,216.001 21,522 9,112 4J06,638
l6
I4"S-IIENgtn hnns TMCP SAi Gdn - Ht Noi
26. Tti sin C6 khic
Cec khoen lei, phi phei rhu
Cec khoAn phai thu
- Cec khoen phei thu noi b0
- C6c khoen phdi thu bCn ngoer
Trong dd Phdi thu ban ngoai lien quan ttu tin dttng
DU phdng rui ro cho cac tAi san C6 khac
Tai sin Cd khrc
3l/tzt20ta 3l 2t20t7
9,114,461
1,218,608
219,046
6,999,562
50t4969
(759,6t7)
1.627.151
7,876,270
t2,'749,101
t09,916
12,639,365
8,095,834
(400.109)
5.294.790
r9,E60,t9r 25,5t9,952
z/. I rcn, vang grn !evay
- I retr, vrtrg gm cua c{c
coa cic t6 chfc tin d+ng khdc
t6 chfa tin d+trg khdc
tu t2t20t8 3U l2t20t1
Tiin, vnng gni *h6,tg *j) hqn
- Bing VND. Bing veng vd ngoai tC
TiAn, vdns sni cd k! hsn
- Bing VND- t ang lanE !a naoar tq
T6ng
2t,811,072
2t,691,2tE146,854
8,857,J30
7,208.000
t.619,1i0
20,615,618
t9,04 r, r69
1.601.419
12,920,963
ll,250,300
1.670,663
30,70r,102 J3,566,61I
t7
SI SHB
NS hang TMCP Shi Gen — HA Nei
- Tien, yang vay cac to chin tin (fang khic
31/12/2018
Tri:du clang
31/12/2017
Triu thing
- Bang VND 7,325,704 10,694,684
- Bang yang va ngoai to 6,255,902 9,007,877
Trong do: Phdi trci tong nghiep vu Our tin dung 5,014,969 8,095,834
Tang 13,581,606 19,702,561
Tong tien, yang gin va vay cac to chat tin clang khac
44,283,008 53,269,172
28. Tien girl cfia khach hang
31/12/2018
TriO'u clang
31/12/2017
Trieu clang
Tien, yang giii khong ky han 18,552,009 17,523,738
- TIM girl kh6ng kSt han bang VND 17,782,193 16,220,113
- Tien girl kh6ng kj, han bang yang, ngoai to 769,816 1,303,625
Tien, yang gal co k, han 204,523,406 175,718,094
- TIM gui co k5' han bang VND 195,245,626 164,028,427
- Tian gni có kji han bang yang, ngoai to 9,277,780 11,689,667
Tien giii vein chuyen clung 5,248 89,831
Tien giii k57 quy 1,056,924 879,445
224,137,587 194,211,108
18
SHB
Ngfin hang TMCP Sal Con — Ha NO
29. Vim tai trq, by tithe du tie, cho vay TCTD chiu rib ro
31/12/2018
Trieu clang
31/12/2017
Trieu clang
Von nhan tai trq cho vay bang VND 1,330,584 1,061,995
VOn nhan tai 'Erg de cho vay bang yang, ngoai to 143,127 2,166
1,473,711 1,064,161
30. Cac khoin nq khic
31/12/2018 31/12/2017
Trieu clang Tri'Ou dieing
Cac khoan lai phi phai tra 5,361,315 4,085,903
Cac khoan phai tra not 60 237,722 44,382
Cac khoan phai tra ben ngoai 641,355 420,898
6,240,392 4,551,183
19
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ha
ng
TM
CP
Sa
i Gan —
HA
NOi
SHB Nan hang TMCP Sai Gen — HA Nyi
32. Thu nhap Lai va the khoin thu nhap twang tv:
Tir 01/01/2018 den 31/12/2018
TriOu clang
Tir 01/01/2017 den 31/12/2017
Trieu clang
Thu lai tien gui 440,001 360,378
Thu Iai tien vay 18,860,178 16,153,804
Thu iai tit kinh doanh, dau to chirng khoan Na 2,799,626 1,139,326
Thu phi hoat dgng bdo lanh 89,605 173,612
22,189,410 17,827,120
33. Chi phi lai va cac khoin chi phi twang tv:
Tir 01/01/2018 den Tir 01/01/2017 den
31/12/2018
31/12/2017
Then clang Tri0t clang
Trd Idi huy dung (15,812,298) (12,546,759)
Tra !Ai cho vay (1,241,914) (806,059)
(17,054,212) (13,352,818)
34. Lai/ 16 than tir host dgng dich vy:
Tir 01/01/2018 den
31/12/2018
Tri‘iu clang
Tir 01/01/2017 den
31/12/2017
Triu clang
Thu phi dich vy 664,568 1,439,522
- Float dgng thanh roan 185,929 143,815
- Hoat dgng ngan quy 11,532 12,083
- Dich vg dai ly 467,107 1,283,624
Chi phi dich vy lien quan (103,162) (61,874)
- Float dgng thanh town (54,731) (42,403)
- Float dgng ngdn (14,496) (10,093)
- Chi phi dich vg daily/ (33,935) (9,378)
Lai/18 than ter hoot dyng dich vy 561,406 1,377,648
21
iA SHB Ngan hang TMCP Sai Gen — Ha Ni
35. Chi phi hoar d'Ong
Ur 01/01/2018 den 31/12/2018
Trieu clang
Tir 01/01/2017 den 31/12/2017
Trieu clang
Chi nap thue va cac khoan phi, le phi (36,968) (21,105)
Chi phi cho nhan vien (Luong, BFIXH, BHYT, BHTN,
KPCD, chi trang phyc, bao h0 lao dOng....) (1,624,751) (1,449,390)
Chi va tai san (385,406) (378,514)
Chi cho hoat do, ng quan 15/ cong vu (766,650) (486,219)
Chi nap phi bao hiem, bao dam tien girl cua khach hang (184,738) (142,993)
Chi phi du ph6ng (khong tinh chi phi du ph6ng rui ro tin dung nOi va ngoai bang; du pining giam gia chung khoan)
(9,902) (263,021)
(3,008,415) (2,741,242)
36. Tien va Sc khoan twang dtrang tien
31/12/2018 31/12/2017
Trieu clang Trieu clang
Tian mat va cac khoan Wong duang tien tai quy 1,826,756 1,396,686
Tian girl tai Ngan hang Nh'a nu& 3,187,062 2,970,959
Tien girl tai TCTD khac khong ky han 25,185,820 26,142,012
Tian girl tai cac to chirc tin dung khac c6 thoi gian
dao han dudi 3 thang 8,533,782 6,082,177
38,733,420 36,591,834
37. Nghia vu nq tiem An vi cac cam ket din ra
Trong qua trinh hog dOng kinh doanh, Ngan hang thyc hien cac cong cu tai chinh lien quan
den cac khoan muc ngoai bang can doi ke toan. Cac ding cu tai chinh nay chO yeti bao gam cac
cam kat bao lanh va thu tin dung. Cac cong cu nay cling tao ra nhting rOi ro tin dung cho Ngan
hang ngoai cac rei ro tin dung da &roc ghi nhan trong nOi bang.
Rei ro tin dung cua cac cong cu tai chinh ngoai bang duct dinh nghia la kha nang mang den rill
ro tin dung cho Ngan hang khi met trong cac ben lien quan den cong cu tai chinh do khong thyc
hien cac diau khoan dm hop Tang.
22
SHB NOM hang TMCP Sai GOn — HA NiO
Bao lanh tai chinh la cac cam ket co dieu kien ma Ngan hang cap cho khach hang de giao dich
yeti mot ben thir ba trong cac hoat deng ve bao lanh vay von, bao lanh thanh town, bao lanh thyc
hien hop ding va bao lanh du thau. Rui ro tin dung lien quan den viec cAp bao lanh ve ca ban
gieng rui ro cho vay khach hang.
Giao dich thu tin dung thuang mai tra ngay la loai giao dich trong do Ngan hang cung cap tai
chinh cho khach hang cu'a minh, thong thuang la ngtrai mua/nha nhap khau hang hoa va ben thu
huong la nguai ban/nha xuat khAu. Rui ro tin clung trong thu tin dyng tra ngay thuang thap do
hang hoa nhap khau dant cking de' the chap cho loai giao dich nay.
Giao dich thu tin dyng tra cham se ph& sinh rui ro khi hop d6ng da dime thirc hien ma khach
hang khong thanh town cho ben thy huong. Cac thu tin dung tra cham kh6ng dirge khach hang
thanh town duac Ngan hang ghi nhan la khoan cho vay bat buec va cong ng tuang (mg the hien
nghia vu tai chinh cua Ngan hang phai thanh town cho ben thy huong va thyc hien nghia vy cua
Ngan hang trong viec bao lanh cho khach hang.
Ngan hang thuang yeu cau kith hang k9 qu9 a dam bao cho cac cong cu tai chinh co lien
quan an tin dyng khi can thiet. Gia tri k9 guy dao deng to 0% den 100% gig tri cam ket dugc cAp,
thy thuOc vao mac do tin cay cua khach hang do Ngan hang danh gig.
Chi tiet cac khoan ding ng tiem An va cam ket ngoai bang vao ngay 31 thang 12 nam 2018
nhu sau:
31/12/2018 Tri"Ou clang
31/12/2017 TriOti clang
Bao lanh vay von 16,208 179,955 Cam kCt trong nghiCp vy LC 14,192,041 14,695,470 Bao Lanh khac 49,522,772 23,110,802
63,731,021 37,986,227
38. Giao dich IRA cac ben lien quan
Giao dich voi cac ben lien quan la cac giao dich dugc dux hien voi cac ben c6 lien quan vai
Ngan hang. Cac ben ducc coi la lien quan neu met ben c6 kha Wang kiem soat hoac c6 anh huong
Bang ke del voi ben kia trong viec ra quy& dinh del voi cac chinh sach tai chinh va hoat deng. MOt
ben dugc coi la ben co lien quan voi Ngan hang neu:
(a) Tryc tiep hoac gian tiep qua met hay nhieu ben trung gian, ben nay:
• kiem soat hoac bi kiem soat hoac chiu sy kiem soat chung heti Ngan hang (bao g6m cac cong ty me, cong ty con);
• co von gop vao Ngan hang va do do có anh huong clang ke [di Ngan hang;
• co quyen deng kiem soat Ngan hang;
(b) Ben lien quan la Ong ty lien doanh, lien ket ma Ngan hang la met ben lien doanh, lien ket;
23
SHB NS hang TMCP Ski Gen — HA NO'i
(c) Ben lien quan co thanh via la nhan sir chinh trong Ban -Ring Giam doe elm Ngan hang
hoac cong ty me dm Ngan hang;
(d) Ben lien quan la thanh vien mat thiet trong gia dinh cua bat kji ca nhan nao da neu trong
diem (a) hoac (c);
(e) Ben lien quan la mOt to chirc true tiEp hoac gian tiep chiu sr kiem soat, (tang kiem soat
hoac chiu anh huang ding ke, hoac co quyEn bleu quyet 1)64 bit ky ca nhan nao dirge de cap den
trong diem (c) hoac (d).
T6m tat mOt se giao dich kin voi cac ben lien quan trong QuY 4 Wain 2018 nhu sau:
Tom tat giao dich Ion van cac ben lien quan trong Quy IV nam 2018 nhu: sau:
Coe giao dich TriO citing
Thu lai cho vay 7,964
T6m tat cac khoan phai thu phai tra cac ben lien quan tai died diem 31 thing 12 nam 2018 nhu saw
Phai tree Trieu thing
Mull thu Cdc giao dick
Tutu rhing
Cho vay 291,745
Tien gui kh6ng ky han
Tien girl co ky han
Dau to vao cac ben lien quan 3,931,416
Lai phai thu tir cho vay, dAu to trai phieu 964
V6n gop cua cac ben lien quan
Phai tree lai teen girl
155,496
275,115
1,281,347
7,005
4,224,125 1,718,963
39. Chinh sich coin 157 rui ro lien quan den cat cong cy tai chinh
Muc tieu elm Ngan hang la t6i da h6a gia tri dAu to cna ce deng, girt yang Mc do tang trtning
Igi nhuan va tinh hinh tai chinh lanh manh. Do vay, viec sir dung cac ding cu tai chinh, bao gem
nhan tien gui cua khach hang va dAu to vao cac tai san tai chinh co chat lugng cao da tre thanh
hoat dOng mang tinh then chet giup Ngan hang dat duce mat chenh lech lai suit can thiet. Xet tit
khia canh quan ly rui ro, dieu nay dei hoi Ngan hang ket hop mOt each can del girta cac cam ket
ngoai bang (nhu bao faith va thu tin dung) voi cac khoan cho vay (bang deng nOi to cang nhu
ngoai te) dei v6i cac ca nhan va t6 cluk thtMc cac mut do tin cay khac nhau. Ben canh d6, Ngan
hang cling dAu to mOt phan von luu dOng vao cac chting khoan dau to hay cho cac ngan hang khac
vay. Nhang rui ro lien quan den trao ngoai to va thay d6i tal suit dugc quail ly thong qua ap
dung han mire trang thai nham han chE sir tap trung qua mUc clang [hal tham gia vao cac hoat dOng
co tic dung can bang Ian nhau de giam thieu rui ro. Thong qua viec nam girt nhieu tai san la cac
cong cu tai chinh co chat lugng cao, co cau bang can del ke than hop nhat cua Ngan hang co du
kha nang phong ngira rui ro trong yeti trong qua trinh hoat dOng kinh doanh va dam bao kha nang
24
Ngan hang TMCP Shi Gan — Ha Ni
thanh khodn. Them vao dO, Ngan hang cling tham gia vao nhieu giao dich phOng ngira rui ro lien
quan dEn cac cong cu tai chinh nhu cac cam ket hoan d6i ngoai to cho myc inch quail 19 rid ro lai
suat.
Trong qua trinh quail 19 riti ro tin dung, Ngan hang da sir dung co hieu qua Cam nang Tin dung
trong d6 ghi chi tiet cac chinh sach va thit tyc cho vay cling nhu cac hirerng don thyc hien de chuan
h6a the hoat dOng tin dung coa Ngan hang. Rui ro thanh khoan dugc han the thong qua viec nom
gift met s6 lugng Ion tien mat va cac khoan Prong throng tien duai clang tai khoan Nostro, cac
khoan tien giri co k9 han tai Ngan hang Nha nu& va cac to chirc tin dung khac va cac giay to co
gia. Cac t9 le an toan co tinh den yeti t6 rui ro cling duot sir dung de quan 19 rui ro thanh khoan.
Ngan hang thuong den hanh danh gia chenh Tech la; sat, so sanh veri cac thi truerng trong nuac va
quk to de c6 flitting dieu chinh kip theri. Them vao do, viec ap dung cac quy trinh quail 19 rui ro
Wei be cling trer nen hieu qua han nh& viec trien khai He th6ng Quail 19 Van Tap trung va He thong
Thanh than Tap trung, theo do toan be cac giao dich von va thanh man cfia Ngan hang deu do 1401
sa chinh thyc hien. Viec do cho phep Ngan hang giam sat hieu qua han cac hien d6i vE von \fa
giam cac sai sot c6 the 'thy ra cling nhu flitting thu tyc phirc tap kh6ng can thiet.
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SHB SOO p,,,Pors. thinsle soluimrs.
Ngfin hang TMCP Sai Gen — HA Nfii
41. Ti' GIA MQT SO LOAI NGOAI TE \TAO THQI DIEM CUOI QUV
31/12/2018 31/12/2017
VND VND
23,230 22,425
26.557 27,259
29,345 30,693
23,522 23,306
210 202
16,967 16,980
16,354 17,718
2,961 2,906
17,040 18,054
3,378 3,490
2.7158 2.6966
3,646,500 3,652,000
1-16 Noi, • • thong nom 2019
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AUD
HKD
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29