TD - BANG CAN DOI KE TOANcmsv5.stoxplus.com/medialib/Crawler/2019/2019-02/2019-02-11/... · I GON Tel: 04.39423388 Fax: 04.39410942 TD - BANG CAN DOI KE TOAN MA chi Thuyet Chi tieu

NGAN HANG THU'ONG MAI CO PHAN SAI CON - HA NQI

77 Tran Hung Dao - Quail Floan Klein - Ha NOi

VISIrc~ibrM BM) cao tai chink hqp nhAt

Quy IV nim 2018

Mitu so: Q-Ola

Don vi tinh: Trieu clang

SO dAu nim

1,446,548

3,742,659

33,513,516

27,859,510

5,654,006

1.050

3,889

(2,839)

136,265

195,441,551

198,290,566

(2,849

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2C I GON

Tel: 04.39423388 Fax: 04.39410942

TD - BANG CAN DOI KE TOAN

MA chi Thuyet Chi tieu

fieu mink SO cutli ky

A. TAI SAN

Tien mat, yang bac, di quy 110 15 1,884,822

II Tien gfri tai NHNN 120 16 4,195,088

III Tien, yang gui tai Sc TCTD khac va cho vay cac TCTD khac 130 17 30,072,682

I Tien, yang giri tai cac TCTD khac 131 29,782,307

2 Cho vay cac TCTD khac 132 290,375

3 Du phOng rai ro tien gvi va tin vay cac TCTD khac 139

IV Chang khoan kinh doanh 140 23 1,749,925

1 Chimg khoan kinh doanh 141 1,763,577

2 Dv phOng giam gia chimg khoan kinh doanh 149 (13,652)

V Cac ding cy tai chink OM sinh va Sc [Ai sin tai chink khic 150 18 58,228

VI Cho vay khich hang 160 214,001,342

I Cho vay khach hang 161 19 216,988,882

2 Dv phOng nit ro cho vay khach hang 169 20 (2,987,540)

VII Chang khoin dAu fir 170 46,273,876

1 Chimg khoan dau tv san sang de ban 171 21 23,433,318

2 Chimg khoan dAu tv gill den ngay dao han 172 22 24,761,139

3 Dv pining giam gia ch(mg khoan &au to 179 (1,920,581)

VIII Gap von, dAu fir did han 210 24 195,767

I DS to vao cong ty con 211

2 V6n Op lien doanh 212

3 DAti iv vao ceng ty lien ket 213

4 Dan tv dai han khac 214 201,750

5 Dy phOng giam gia dau tv dai han 219 (5,983)

IX TM san co dinh 220 4,789,366

1 TM san co dinh hay hinh 221 25 482,605

a Nguyen gia TSCD hau hinh 222 1,140,635

b Hao man TSCD hau hinh 223 (658,030)

2 TM san ce, dinh thue tat chinh 224

a Nguyen Via TSCD 225

b Han mon TSCD 226

3 TM san ca dinh vo hinh 227 26 4,306,761

a Nguyen gut TSCD va hinh 228 4,544,661

b Hao man TSCD ve hinh 229 (237,900)

X Bat dOng sin dui tv 240

a Nguyen gia 11DSDT 241

b Hao mOn RDSDT 242

X1 Tai san CO khac 250 27 20,117,525

I Cac khoan phai thu 251 8,014,004

2 Cac khoan lai, phi phai thu 252 9,808,059

3 Tel san thug TNDN hoan lai 253 -

4 TM san CO khac 254 3,064,666

5 CS khoan du phOng rut ro cho cac tai san CO not bang kit 259 (769,204)

227,250

(11,785)

3,952,317

425,424

1,011,431

(586,007)

3,526,893

3,738,489

(211,596)

26,352,746

13,411,455

7,955,903

5,395,762

(410,374)

12,096,858 2,758,343

45,029,846 53,000,419

31,448,240 33,297,858

13,581,606 19,702,561

225,225,592 194,889,770

1,473,711 1,064,161

16,721,736 14,967,269

6,237,085 4,638,899

5,426,910 4,103,201

135

810,040 535,698

306,784,828

271,318,861

16,553.793

14,691,220

12,132,617

11,293,347

12,036,161

11,196,891

101,716

(5,260)

101,716

260) 660

HANG 1,228,085

NANO! 3,193,091

323,338,621 286,010,081

63,847,041 37,993,069

132,037 179,955

14,192,041 14,695,470

49,522,963 23,117,644

Lop bieu

Nguyen Ai Honk Hoa

Ke Tom Trubngi✓

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Guam D6c

Chi tieu Ma chi Thuyet

lien minh

TONG TA1 SAN CO 300

B NQ PHAI TRA VA VON CLIC SO 'WU

I Cac khoin nq Chinh phu va NIINN 310

II Tien girl va vay cfia the TCTD khic 320 28

1 Tien giri cua the TCTD khac 321

2 Vay cac TCTD khac 322

III TIM gui cfia Mulch hang 330 29

IV Cac cling cy tai chink phai sinh vi cac khan my tai chink khac 340

V Win tai trq, uy Mac dau tu, cho vay ma TCTD phai chju Si ro 350 30

VI Phil haul) giay to c6 gii 360 31

VII Cac khoan Nq khac 370 32

I Cac khoan lAi, phi phai Ira 371

2 Thu TNDN ho5n lai phai tra 372

3 Cac khoan phai tra va tong nq khac 373

4 DO pheng rai ro khac 379

"[Ong No. phai tra 400

VIII Vital vi cac guy 500 33

I Von caa TCTD 410

a Win diju 10 411

b Van ()du fir XDCB 412

c Theing dtr van cd phcin 413

Co'd piveu qui; 414

e Cd phiJu wit Mt 415

g Vrin khric 416

2 Quji caa TCTD 420

3 Chenh tech ty gia h6i doai 430

4 Chenh tech danh gia lai tai son 440

5 Itch nhuan chua phan ph6i 450

VIII Ltri ich ciia a *tang thi'eu s6 700

TONG NQ PHA1 TRA VA VON CHU SO HUG 800

CAC CHI TIEU NGOAI BANG

Nghia vy nq tiem an 910

I Rao lanh vay von 911

2 Cam IC& trong nghiep vu L/C 912

3 Rao lanh khac 913

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II SHB NCAN HANG TMCP SAI CON - HA NQI

77 Trait Hung Deo - Quan Haan Kiem - HA Noi

Tel: 04.39423388 Fax: 04.39410942

Bao cio tai chink hip nloit

Qu9 IV nam 2018

Mho so: Q-03a

TD - BAO CAO LEA) CHUYEN TIEN TE - PPTT - QUY

DVT: Trigu dring

Ma chi Thuyit ke tifu mink Nam 201

d

am 2017

I Lut CRAVEN' TIEN IC HOAT DQNG KINH DOANII

I Thu nhap 151 va cac khoan thu nhap Dung tu nhan dupe 01 21,431,005 18,142,807

2 Chi phi 151 va cac chi phi tuong W da tra 02 (15,158,365) (12,551,520)

3 Thu nhap to hoat Ong dich vu nhan dteac 03 646,169 1,465,529

Chenh tech so den thtrc thu/thuc chi to hoot Ong kinh doanh chang 4

04 khoan, yang bac, ngoai to

(789,137) 412,890

5 Thu nhap khac 05 242,089 155,853

6 Tien thu cac khoan nor da dupe xii IO xoa, bit dip bang nguan do pheing Si 06

ro 21,001 16,912

7 TiOn chi tra cho nhan vien va hoat dOng quail l9, cOng vu (*) 07 (3,337,131) (2,771,257)

8 Tien thug thu nhap that nOp trong k9 (*) 08 (367,814) (268,304)

Lou chuyEn an thuhn to host dOng kinh doanh fork nheng they dal 09

vh tai san va van km Ong 2,687,817 4,602,910

Nhang shay 46i yi tal srin hoot dOng

9 (TanggGiam cac khoan ti6n, yang girl va cho vay cac TCTD khac 10 5,246,131 2,155,857

10 (Tang)/Giam cac khoan ve kinh doanh cheng khoan 11 (26,115,935) (3,009,463)

II (Tang)/Giam cac cong co tai chinh phai sinh 46 cac tai san tai chinh khac 12 78,038 (91,687)

12 (Tang)/Diam cac khoan cho vay khach hang 13

(Tang)/ rn n roau& do phOng de ID dap ton that cac khoan (tin dung, 14 13

chUng khoan, dam to dai han)

(18,698,224)

722,271

(35,914,379)

(236,877)

14 (Tang)/Giam khac Ye tai san hoot Meng 15 4,687,623 (10,156,232) .**---072z,

Nhceng (hay ddi vel gong rig hope dOng - 81 1)-1-

15 Tang/(Giam) cac khoan no ChInh phil va NHNN 16 9,338,515 18;, *-4“'1 N Gi.N

16 Tang/(Giam)cac khoan Pen gui, ti6n vay cac TCTD 17 (7,853,074)

17 Tang/(Giam) lien gOi cOa khach hang (bao g6m ca KBNN) 18 30,334,042 28, 3 siilliONG Mi

Tang/(Giam) phat hank giay lb cd gia (ngoai vugiay 0 do giA phat hank 1,754,467 1,1 Al GUM 18 19

duoc tinh vao hoat Wing tai chInh) ‘S.41611.eis 195.

19 Tang/(Giam) von tai tro, uy thac d5u tu, cho vay ma TCTD chiu Di ro 20 409,550 255 ,. r 4

-....444(!Lm, ....._

...

00 Tang/(Giam) cac cOng co tai chinh phai sinh va cackhoan no tai chinh

11* 21

khac (440)

21 TAngdGiam) khac ye cong no hoat dOng 22 296,049 (363,487)

22 Chi tit cac qu9 Da TCTD (*) 23

Um chuyhn ken than to hoat dOng kinh doanh 24 2,886,830 6,631,972

II ICU Cltt'VEN TIEN Tir rioAt DQNG DAD it'

I Mua sam ID san c6 dinh 25 (105,5751

2 Tien thu to thanh 19, nhuong ban ISO) 26 4,518 ( 11

(16,229)

207312,44453)

3 Tien chi to thanh 19, nhuong ban TSCD (*) 27 (2,7561

4 Mua sam b5t Meng san dau tu (*) 28

5 Tien thu M ban, thanh 19 bat dOng san &au tu 29

6 Tien chi re do ban, thanh 19 bat dOng san dau tu (*) 30

7 Tien chi dau us, gap von vao cac don vi khac 31 (12,857)

8 Tien thu dau tu, gop von vao cac don vi khac 32 25,501 15,000

9 TiOn thu co tire va hli nhuan duoc chia to cac khoan dau tu, Op von dai 33

han 2,202 2,816

Ltru chuyhn tin thuan to hoat ging du to 34 (76,110) 74,928

Lhp bleu

ICE loan trifem

Nguyen Thj Hanh Hoa Ngd Thj Van

Ntoo278630 Q 49 co

NGAN HANG

THUCING MAI CO PHA • o S -IIANQI

,gt

y 'hang It 2019

-o

g Giant ditty

Il buy& LOY ke thr dAu nitui minh

u6i Quf W CM d e u

J 2017

HI LEV CHUYEN TIEN Tir 110AT DQNG TAI CHINE(

I Tang viin dieu le 35

Tien thu phat hanh giAy to co gia dal han c6 du diet' kien tinh vac/ v611 2

36 ta co va cac khoan v6n vay dai han khac

3 Tien chi thanh loan giay m co gia dai han c6 du dieu kien tinh van vOn tu 37

38

39

40

41

co va cac khoan vOn vav dai han khac

4 C6 tirc tra cho c6 dOng. Iqi nhuan da chia (*)

5 Tien chi ra mua c6 phieu ngan qc9 (5)

6 Tien thu dtroc do ban c6 phieu ngan qu9

Lou chuyen ties thuhn to Mat dorm tai chinh

(578) (330)

0

(578) (330)

2,810,142 6,706,570

33,048,717 26,342,147

35,858,859 33,048,717

IV Lou chuyen nen thuhn trong kt 42

V Tien va car khoan mow throng tien tai IhM dicm d1u ky 43

VI Dihu chinh anh huOng dm May d6i Iv gia 44

VII Tien WI cac khoan immg throng nen tai thin diem cu6i ky 45

E 1?

tirry2frt cA'

THUYET MINH BAO CAO TAI CHINH HVP NHAT Cho giai clown tic ngay 01 thong 10 nom 2018

clen ngay 31 tilting 12 nom 2018

61 SHB Ngin hang TMCP Sai Con — Ha Ni

THUYET MINH BAO CAO TAI CHINH HOP NHAT QUV IV NAM 2018

1. Thong tin ve ngfin hang

Giay pheri hoat 0041-NH/GP ngay 13 thang 11 nam 1993 Ong

GiAy phdp hoat deng do Ngan hang NM ntrac Viet Nam cap Thai han hoat dOng ctia Ngan hang la 40 nam ke tit ngay cap giay pile!) dau ben.

HOi dOng Quan tri

Ong D6 Quang Hien

Ong VO Dire Tien

Ong Nguyen Van Le

Ong Iran Ng9c Linh

Ong D6 Quang Huy

Ong Thai Quac Minh

Ong Pham Cling Doan Ong Trinh Thanh Hai Ban kiCzin snit

Ong Pham HOa Binh

Ong NguyEtn FICru DUc

BA Nguyen Thi Hoat

BA Le Thanh Cam

BA Pham Thi Bich Hang

ChU tich

Pho chu tich

Thanh vien

Thanh vien

Thanh vien

Thanh vien doe lap

Thanh vien Thanh vien

Thanh vier)

Thanh vien

Thanh vien

Thanh vien

Thanh vier)

Tai be nhiem ngay 28 thing 04 nam 2017

Tai bo nhiem ngay 28 thang 04 nam 2017

Tai be nhiem ngay 28 thang 04 nam 2017


Tai be nhiem ngay 28 thing 04 nam 2017

Be nhiem ngay 28 thang 04 nam 2017

Be) nhiem ngay 28 thang 04 nam 2017 Bo nhiem ngay 23 thang 04 nam 2018

Tai b6 nhiem ngay 28 thang 04 nam 2017



136 nhiem ngay 28 than 04 nam 2017

B6 nhiem ngay 28 thang 04 nam 2017

Ban TOng Giam dOc A/a la than truntg

Ong Nguyen Van Le Ong Le Dang Khoa

Ong Nguyen Huy Tai Ba NO Thu HA

BA Ninh Thi Lan Phuong

BA Dang TO Loan

Ong Tran Nhat Nam

BA Ng6 Thi Van

Try sir chinh

Tong Gam dec Pho Tong Clam dec

Pho Tong Clam dec

Pho Tang Clam dec

Pho Tong Giam dec

Pho Tong Giam dec

Ph6 Tong Giant dee

KE toan throng

Tai be nhiem ngdy 21 thang 5 nam 2014 136 nhiem ngay 10 thang 4 nam 2009


Be nhiem ngay 15 thing 3 nam 2011

1616 nhiem ngay 08 thang 06 nam 2012




S6 77 - Tran Flung Dao - Q.Hoan KiEm - TP.Ha NOi - Viet Nam

SHB Ngfin hang TMCP Sal Gen — Ha NOi

2. Die diem host deng eau to chirc tin dung

Ngan hang Thuang mai Co phAn Sai Gan - Ha Nai (dual day ghi tat la "Ngan hang") la mat

ngan hang thuong mai co phan Viet Nam thanh lap tai mak Cong haa Xa hai Chu nghia Viet

Nam vai thai gian hoat clang IA 40 nam theo 0041-NH/GP ngly 13 thang 11 nam 1993 cila Ngfin

hang Nha nude Viet Nam.Van dieu le dia. Ngan hang tai ngay 30/09/2017 la 11.196.891 trieu

clang (Muhl mat nghin mat tram chin muoi situ ty tam tram chin mat trieu clang).

Hai sit chinh cfia Ngan hang dot tai S6 77 - TrAn Hung Dao - Q.Hoan KiEm - Ha Nal - Viet Nam.

Tai ngay 31/12/2018, Ngan hang c6 7.546 nhan vien, tai 31/12/2017 Ngan hang c6 6.210 nhan

vien.

3. Tom tit the chinh sach ke thin chit yeu

ChuAn inkrc va che de ke toan ip dung

Ngan hang trinh bay cac bao cao tai chinh theo Luat cac To chirc Tin dung, Luat suit dal va ha

sung mat so dieu trong Luat cac To chi:1'c Tin dung, cac chuan mac ke toan Viet Nam va He thong

KE than cac to chac tin dung Viet Nam.

Ky bio cao va don vi tien te

K9 bao cao cua Ngan hang bat Au tir ngay 01/10/2018 va kat thiic vao ngay 31/12/2018. Don

vi tien te sir dung trong ghi chap ke toan la clang Viet Nam (VND). Tuy nhien, theo quy dinh tai

Th6ng to 49/2014/TT-NHNN ngay 31/12/2014 dm Ngan hang Nha nude, cac se; lieu trail Bao cao

tai chinh &sac lam trot) den hang trieu va trinh bay theo don vi trieu dang Viet Nam.

4. Nguyen tic ghi nhAn Sc nghiep vu bAng ngoai to vi quy doi

Theo he tilting ke Wan cua Ngan hang, tat ca cac nghiep vu phat sinh cua Ngan hang dugc

hach toan theo nguyen te. Tai the.' diem cuai nam, tai san va cong nit c6 nguan gac ngoai to dugc

quy dal sang VND theo ty gia quy dinh vao ngay lap bang can de)i ke Wan. Cac khoan thu nhap va

chi phi bang ngoai te cOa Ngan hang duct hach toan bang VND theo ty gia vao ngay Oat sinh

thong qua giao dich mua ban ngoai te. Chanh Lech ty gia do clanh gia lai cac tai khoan kinh doanh

ngoai to ducc hach toan vao bao cao Kat qua Float clang Kinh doanh va lai nhuan de" lai. Chenh

lech ty gia phat sinh do quy dai cac tai san va cong nq khac bang ngoai to sang VND dugc xir 19

vao doanh so cCia cac khoan muc tuang ling troll bang can dai ke toan vao ngay lap bao cao tai

chinh.

5. Chung khotin dAu fir gill den ngay dal) han

Chimg khoan nq gift den ngay dao han la cac cluing khoan c6 ky han ca dinh va cac khoan

thanh ton co dinh hoac c6 the xic dinh duoc va Ban Tang Giam dac coy dinh va ca kha nang gift

den ngay dao han. Ngan hang dang ghi nhan cac chirng khoan nay theo gia gac cong lai du thu trir

lai cher phan ba. Gia tri phu trai hoOc chiet khau (neu c6) cling clugc phan anh vao gia tri ghi so

2

SHB Ngan hang TMCP Sal Gen — Ha NOi

ctia khoan dau tu. Lai dugc du thu hoac phan 1)6 theo phuong phap dtrang thing. Chirng khoan

dugc giu den khi dao han se duce xem xet ve kha nang giam gia. Chung khoan dugc lap du phOng

giam gia khi gia tri thi twang nh6 hon gia tri ghi so. Dy phong giam gia dugc ghi nhan vao bao

cao kat qua hoat clang kinh doanh.

6. Ch'ing khoan clan to sin sing de bin

ChUng khoan dau tu sin sang de ban la cac chUng khoan duct girt trong thai gian khong an

dinh truck, co the dune ban de dap (mg nhu eau thank khoan hoAc de' ung pho vii truemg hgp thay

dot lai suit, ti gia, hoac gia tri chung khodn. Ngan hang dang ghi nhan cac chUng khoan nay theo

gia gac cOng lai du thu trir lai chi phan ba. Gia tri phi trOi hoac chiat khAu (nau co) cling dugc

phan anh vao gia tri ghi so ctla khoan dau tu. Lai dugc du thu hoac phan 106 theo phuang phap

duang thing. Cac chting khoan nay dugc danh gia dinh k9 theo gia tri thi truerng va dkr phong

giam gia tri se dugc lap khi gia tri thi truong nho han gia tri ghi so. Du phOng giam gia dugc ghi

nhan vao bao cao kat qua hoat dOng kinh doanh.

7. Chun khoin kinh doanh

Chang khoan kinh doanh la chUng khoan ban &Au dugc mua va nam giu cho myc dich kinh

doanh trong ng.an han hoac nau Ban Tong Giam clac quyet dinh nhu vay. Ngan hang dang ghi

nhan cac chung khoan nay theo gia g6c vao ngay giao dich. Trong cac k9 tiap theo, cac chung

khoan [lap tic dime ghi nhan theo gia gac. Tuy nhien, gia tri thi twang ctia cac chUng khoan van

dune Ngan hang theo clOi de danh gia ve kha nang giam gia khi gia tri thi truOng thap han gia gOc.

Ngoai trir twang hgp khong the xac dinh gia tri thi twang mot each chic chin thi gia tri cua

chung duct tinh dkra tren nguyen gia sau khi tru di Mn that trot tinh (Watt co). Lai hoac 16 to kinh

doanh chimg khoan dugc ghi nhan tren bao cao ket qua hoat dOng kinh doanh theo so thuan.

8. Cic khoin cho vay va ting trot khich hang

Cac khoan cho vay va img truck kith hang dugc cong ba va trinh bay theo so du ng gac tai

that die'm cu6i k9 ka Wan.

9. Dy phong rui ro tin dyng

Cac khoan cho vay khach hang dugc phan loai theo Thong tu se) 02/2013/TT-NHNN ngay 21

thing 01 nam 2013 va thOng tu so 09/2014/TT-NHNN ngay 18 thing 03 nam 2014 ctla Ngan hang

Nha nubs ve vice phan loai ng, trich lap va sir dung du phong de xu 19 rni ro tin dyng trong hoat

dOng ngan hang cOa t6 chat tin dung theo cac muc do rui ro nhu sau: Na du tieu chuAn, Ng can

chit 9, Ng dual tieu chuan, Ng nghi ng& va Ng c6 kha nang mat van dkra vao tinh trang qua han va

cac yeu to dinh lugng khac ctia khoan cho vay.

Cac khoan ng dugc phan !oat la Ng dual tieu chuan, Ng nghi ng& va Ng co kha nang mat van

drat coi la ng xau

SHB Ngan hAng TMCP Sai Con — Ha NO

- Dy pining cy the

Du phong cy the dugc trich lap tren rui ro tin dung thuan cua cac khoan cho vay theo t9 le

tuong Ung vai tUng nh6m nhu sau:

Xlmini Loci 71 lc' dir pluing cy ilk'

I Na dit tieu chuan 0%

2 Na can chi] 9 5%

3 Na dual tieu chuan 20%

4 No nghi ngo 50%

5 Na c6 kha nang mat van 100%

Rai ro tin dung thuAn cua cac khoan cho vay khach hang dugc tinh bang gia tri con lai cua cac

khoan cho vay trir gia tri coa tai san dam bao da dugc chi& khAu theo cac ty le theo quy dinh trong

thong to se 02/2013/TT-NHNN, thong to so 09/2014/TT-NHNN.

- Dv phong chung

Ngan hang thgc hien trich lap va duy tri dg phong chung bang 0.75% tang gia tri cac khoan na

dugc phan loaf tir nhom I den nhom 4, trir cac khoan tien girl tai to chirc tin dyng trong rank, chi

nhanh ngan hang nu& ngoai tai Viet Nam theo quy dinh cua phap luat, tien gin tai to chirc tin

dung nuerc ngoai va cac khoan cho vay, mua c6 ky han giAy to c6 gia dai vai to chirc tin dung, chi

nhanh ngan hang nu& ngoai khac tai Viet Nam.

Du phong rui ro tin clang tal Campuchia, Lao ap dung theo quy dinh hien hanh cua NEINN

Campuchia, Lao trong ky bao cao tuong

10. Tai san c6 dinh

Tai san et dinh duac the hien theo nguyen gia tiir di khau hao lay ke. Nguyen gia bao gem

toan bo cac chi phi ma Ngan hang phai be ra de c6 dugc tai san ca dinh tinh den thai diem diva tai

san do vao trang thai san sang sir dyng. Tai san ca dinh dirge tinh khAu hao theo phuang phap

duang thang de his clan nguyen gia tai san trong suat thai gian frau dyng uerc tinh nhu sau:

- Nha cda, vat ki'en truc 25 nam

- May mac, thiet bi

03 - 05 nam

- Phuong tien van tai

06 - 10 nam

4

SHB Ngfin hang TMCP Ski Con — Ha Ni

- Thi'et In van phong 03 - 07 nam

- Tai san c6 dinh hint hinh khac

04 — 07 nam

- Phan mem may tinh

03 — 08 nam

- Tai san co dinh v6 hinh khac

02 - 20 nam

Quyen sir dung dat dugc khau hao theo phuong phap duong thang phit hop van GiAy chirng

nhan quyen sir citing dat. Quyen sir dung dal vo then han dugc ghi nhan theo gia gAc va khong tinh

khau hao.

11. Tien va cac khoin twang dircrng tien

Tien va cac khoan twang throng tien bao gAm tien mat, yang, da qu9, tien gal thanh Wan tai

NHNN, tin phieu Chinh phu va cac giay to co gia ngan han du dieu kien chiEt khAu von NHNN,

cac khoan tien gal thanh toan va tien gai, cho vay tai cac to chic tin dung khac co then han dao

han khong qua 3 thang ke to ngay

12. Cac ding cu tai chinh phai sinh

Cac cong cu tai chinh phai sinh dugc ghi nh5n tren bang can deli ke toan theo gia tri hop clang

vao ngay giao dich, va sau do dirgc danh gia Iai theo gia tri hap 19. Lai nhuan hoac 18 khi cac cong

cu tai chinh phai sinh dugc thuc hien duac ghi nhan trong bao cao ket qua hoat dOng kinh doanh.

Lai nhuan hoac Io chua Mut hien duvc ghi nh5n vao khoan muc chenh lech danh gia lai cac cong

cu tai chinh phai sinh tren bang can dAi ke toan va dugc kEt chuyen vao ket qua hoat dOng kinh

doanh vao then diem cuAi nam.

13. Ghi nh4n thu nh4p/ chi phi lai

Ngan hang ghi nh5n thu nhap to lai va chi phi lai tren bao cao ket qua hog Ong kinh doanh

Iron ca set du thu, du chi.

14. Ghi nh4n thu nh4p tir phi vi boa luting dich vy

Ngan hang thu phi to cac dich vu cung cAp cho khach hang. Thu nh5p to phi c6 the chia thanh

cac nh6m sau:

• Phi thu tie vi& cung cap each vu trong mix thin gian nhat dinh: Phi thu to viec

cung cap dich v6 trong mot then gian nhat dinh dune du thu trong suAt then gian do. Phi

nay bao gAm phi quan 19, phi nhan ay thac, hoa hAng va cac phi lien quan den cAp tin dung,

quart 19 tai san, phi quart ly danh nine va cac chi phi pan 15/ ding nhu phi to van khac.

fib SHB Ngan hang TMCP Sai Gan — Ha NO

• Phi thu tit viec cung cap dich vu gian dich: Phi Oat sinh tie viec dam phan va

tham gia dam pilau cac giao dich cho mot ben thu ba, vi du nhu dan xep viec mua co phan

hoac cac loai chang khoan khac hoac mua lai doanh nghiep , &roc ghi nhan khi hoan tat

giao dich lien quan. Phi hoac mat phan ctia khoan phi nay co lien quan den viec thtrc hien

met cong viec nhat dinh duos ghi nhAn khi hoan tat diEu kien twang teng.

fl SHB Nein hang TMCP Sal Gen — Ha Nei

15. Tien mat, yang bac, dfi quy

31/12/2018

Trieu clang

31/12/2017

Tries' clang

Tien mat bang VND 950,381 886,482

Tien mat bang ngoai te 934,021 557,448

Kim loai quji, da quY 420 2,618

1,884,822 1,446,548

16. Tien gin tai Ngin hang Nhi nu*c

31/12/2018 31/12/2017

Trieu clang Trieu clang

Tien gui thanh toan tai Ngan hang Nha nu& 4,195,088 3,742,659

4,195,088 3,742,659

17. Tien, yang girl tai cac t6 chat tin clang khic va cho vay cac TCTD khic

31/12/2018

Trieu clang

31/12/2017

Trieu clang

Tiin, yang ga•f khong kj, hgn 25,347,028 20,812,077

- Bang VND 24,091,138 19,799,397

- Bang ngo4i 't', yang 1,255,890 1,012,680

Tan, yang gni (.6 kj' hgn 4,435,279 7,047,433

- Bang VND 3,348,000 3,130,000

- Bang ngoai te, yang 1,087,279 3,917,433

Cho vay 290,375 5,654,006

- Bang VND 5,654,006

- Bang ngo4i te, yang 290,375

30,072,682 33,513,516

SHB Ngfin hang TMCP Sai Con — Ha NO

18. Cac cling cy tai chinh phai sinh va cac tai san tai chinh khac

Tang gici tri ghi so ki toan Tang gia tri cita hap

tong (theo ry gia ngay (theo gia tai ngaylc)p bdo cao)

hieu (wren clang)

hcc hap clang)

(triu clang) Tat san Cong na

Tai ngay 31 thing 12 nam 2018

("Ong cy TC phdi sinh tin to 2,291,513 58,228

Giao dichkji han tiara to 647,885 15,625 Giao Bich hoar' 1.643,628 42,603

Tai ngay 31 thing 12 nam 2017

COng cu TC phdi sinh tiers to 44,255,001 136,265

Giao Bich kjf ban fiat' 't' 3,896,530 2,316 Giao Bich hoan cliii 1.1, han 40,358,472 133,950

SHB Ngan hang TMCP Sai Gen — Ha NUOi

19. Cho vay khach hang

19.1. Phan tich chat Itrcmg ny cho vay

31/12/2018

Trieu clang

31/12/2017

TKO clang

Na da tieu chuan 207,842,616 190,368,695

Na can chu S, 3,947,142 3,298,174

Na dual tieu chuAn 289,160 669,686

Na nghi ngtf 915,946 1,088,771

Ng c6 kha nang mat von 3,994,018 2,865,240

216,988,882 198,290,566

19.2. Phan tick du nq theo thoi gian

31/12/2018 31/12/2017

Tr&u clang Trie'u clang

Na ngan han 88,719,289 83,106,717

No trung han 58,634,979 53,433,957

Na dai han 69,634,614 61,749,892

216,988,882 198,290,566

19.3. Ty l'e nq

31/12/2018 31/12/2017 0/0

TS, le ng qua han 4.22% 4.00%

TS, le no xAu 2.40% 2.33%

IISHB Solid par,or6 wiutron,

Ngfin hang TMCP Ski Con — HA N6i

19.4. Phan tich dir nq cho vay theo d6i timing khach hang vl loai hinh doanh nghilep

31 /1 2/2018

Trieu clang

31/12/2017

Trieu clang COng ty Nha nix& 5,565,835 2.57% 7,657,939 3.86%

C6ng ty TNHH Nha nutc 13,058,398 6.02% 13,486,439 6.80%

Cong ty TNHH kit 36,912,609 17.01% 35,056,234 17.68%

COng ty c6 phAn von Nha nu& 13,093,719 6.03% 16,986,532 8.57%

C6ng ty co phAn khac 88,514,778 40.79% 80,842,480 40.76%

Cong ty hop danh 99,079 0.05% 8,321 0.00%

Doanh nghi6p to nhan 3,614,431 1.67% 2,527,685 1.27%

Doanh nghi6p co win dAu to nuoc ngoai 462,659 0.21% 499,434 0.25%

Hop tac xi; va lien hi6p hap tac xa 49,403 0.02% 66,194 0.03%

HO kinh doanh, ca nhan 53,724,350 24.76% 38,821,106 19.58%.

Thanh phAn kinh to khac 1,893,621 0.87% 2,338,202 1.18%

216,988,882 100.00% 198,290,566 100.00%

I0

11 SHB Ngfin hang TMCP Shi Gen - HA NOi

19.5. Phan tich dtr no. cho vay theo nginh kinh to

Wing nghiep va lam nghiep va thOy san

31/12/2018

Trieu erring

31/12/2017

Trieu clang % 38,463,744 17.73% 43,249,519 21.81%

Khai khoang 4,493,747 2.07% 7,659,777 3.86% Ging nghiep the Hen, the tao 29,957,113 13.81% 27,452,713 13.84% San xuat va phan phi dien, khi dot, nunic nOng, hai nuac va &Au hba khong khi 15,373,337 7.08% 10,757,675 5.43%

Cung cap rank; hog d0ng quan 19 va idt 19 rac thai, nverc thai 158,586 0.07% 118,922 0.06%

Xay clang 28,795,103 13.27% 27,913,697 14.08% Ban burin va ban le; saa chaa o to, me to, xe may va xe co dOng ca khac 36,247,298 16.70% 32,346,233 16.32%

Van tai kho bdi 2,416,317 1.11% 3,158,672 1.59% Dich vu luu tru va An tieing 1,189,297 0.55% 1,331,461 0.67% Ruing tin va truyAn thong 959,840 0.44% 111,063 0.06%

Boat dOng tai chinh, ngan hang va bao hiem 2,517,173 1.16% 2,263,714 1.14%

Float dOng kinh doanh bat dOng san 16,756,345 7.72% 15,700,331 7.92%

Float Ong chuyen mon, khoa hoc va c8ng nghe 89,474 0.04% 599,078 0.30%

Float Ong hanh chinh va dich vu ho troi 951,543 0.44% 1,127,811 0.57% Hoot dOng oh Bang COng san, t6 chac chinh tri - xd hOi, quan 19 nha mite, an ninh quiic plaing; bao 37,807 0.02% 42,649 0.02%

Gido doc va duo tao 723,744 0.33% 420,811 0.21% Y to va hoot Ong tro ginp xa hOi 72,367 0.03% 121,718 0.06% Nghe thuat, vui chcri va giai tri 282,306 0.13% 257,293 0.13% Float dOng dich vu khac 33,183,769 15.29% 20,154,350 10.16% Hoat (King lam thug cdc Ong viec trong cdc h0 gia dinh, san xuat san pham vat chat va dich vu to [jou thing cua h0 gia dinh

4,319,972 1.99% 3,503,079 1.77%

Tong dtr no• 216,988,882 100.00% 198,290,566 100.00%

11

11 SHB Ng5n hang TMCP Sai Con - Ha Ni

20. Dy phong rui ro tin dyng

Dy phong chung Dy phOng cy thE

Trieu clang Trieu &rig KJ ntiv (31/12/2018) SO du dAti tc,

1,459,886 1,389,129 Du pheng rui ro trial 14/hoan nhap va sir citing trong kji 27,469 111,056 So du. cad ky

1,487,355 1,500,185

21. Chun khoin din to

21.1. Cluing kholn dau ty sin sing de. ban

Cluing khoan Are.

31/12/2018

Trieu thing

31/12/2017

Trieu clang

23,399,719 12,234,750 Chirrig khoan Chinh pha

8,993,786 7,996,543

Chimg khoan Ng do cac TCTD khac trong nu& phat hanh 2,182,712 2,799,851

Chimg khoan Ng do cac TCKT trong nude Oat hanh 12,223,221 1,438,356

Cluing khodn Von 33,599 33,598

Chirng khoan Vein do cac TCTD khac trong nu& Oat hanh 796 796

Chang khoan Viin do cac TCKT trong nu& ghat hanh 32,803 32,802 GM tri; cluing khodn daft tit sdn sang di Mn 23,433,318 12,268,348

Du phbng giam gth cluing khodn sdn sang di ban (180,656) (125,904)

23,252,662 12,142,444

12

SHB Ngan hang TMCP Sai Gen - HA Nhi

21.2. Ch'ing khoan dal] to gilt den ngay dio ban

Chang khoan Chinh phfi

31 /12/2018

Trieu clang 31/12/2017

Trieu dung

8,039,210 149,719

Chang khoan Na do cac TCTD khac trong nuac phut hanh 8,694,238 1,799,797

Chimg khoan No do cac TCKT trong nu& PH 8,027,691 8,733,346

Gib tr( cherng khodn ddu 1w gift din ngdy ddo hgn 24,761,139 10,682,862

Du ph/mg gidm gia chfrng khodn dila 1w gift din ngdy ddo hgn (1,739,925) (1,617,342)

23,021,214 9,065,520

22. Chun khoan kinh doanh

31/12/2018 31/12/2017

Trieu clang Trigu clang Chung khodn No•

1,759,688

- Chung khoan Ng do cac TCKT trong nude Oat hanh 1,759,688

Chdwg khodn vein 3,889 3,889

- Chung khodn Vo'n do cac TCKT trong woe phut hanh 3,889 3,889

Da. phimg gidm gid chting khodn kinh doanh (13,652) (2,839)

1,749,925 1,050

13

fib SHB Ngan hAng TMCP Shi Gan — HA Nii

23. Gap von, dau tv dai ban

31/12/2018

TriCni tiring 31/12/2017

Triu clang Cac khoan di u to dal han khac

201,750 227,250

Du phOng giam gia clau to dai han (5,983) (11,785)

195,767 215,465

14

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114 SHB

Ngan hang TMCP Sai Gen — Ha Ni

25. TM san c6 dinh vo hinh :

- Tang, giam tai san c6 dinh v6 hinh ky nay:

Khoan myc

Nguyen gia SA do clan ky SO tang trong ky -Chenh le.ch tji gici - Mua trong 1g) SA giam trong ky - Thanh 1.), nhuvng ban SO dir can k5'

CH tri hao mon lu, WA SO do dau ky

SO tang trong k5'

-Chenh Lech 1;3 gia - Khan hao trong k.):, SA giam trong ky

- Thanh 4), nInecmg ban

SA du cuOi ky

Chi tri can lai

Tai ngay dAu ky

Ti ngay cad ky

Quyen sv dung dat

Phan mam vi tinh

Don vi tinh Heil clang Tai san do dinh

vo hinh khac Cang

3,486,801 795,166

795,166

-

211,811 10,265

39 10,226

(918) (918)

39,877 4,415

47 4,368

(2,756) (2,756)

3,738,489 809,846

86 809,760

(3,674) (3,674)

4,281,967 221,158 41,536 4,544,661

5,805

159 -

159

178,174

24,146

39 24,107

(2,680) (2,680)

27,617

4,679

48 4,631

211,596

28,984

87 28,897

(2,680) (2,680)

5,964 199,640 32,296 237,900

3,480,996 33,637 12,260 3,526,893 4,276,003 21,518 9,240 4,306,761

17

I4_sr{BNgen hirs TMCP Sli Gdn - Ht Noi

26. Tii sin C6 kh{c

Cec khoan lai, phi phAi thu

C6c khoan phai thu

- Cac knoen phai rhu noi bO

- C6c khoan phei thu ben ngoai

TtunR dn Phai thuhinntpni liAn quon din ttu tin

Du phdng rii ro cho cac lAi san C6 khec

Tdisan C6 khrc

3t/lznota

Triiu ding

3!t2n0t1

9,80t,0598,014.004

2E9.1E7

1.124.211

5,0t1969

(769.204)

1.061.666

7,955,901

13,411,455

I t3.1t5

11,297,680

8,095,811

(410.374)

5,395,762

20,r r7,525 26)52,116

t8

Ngen hang TMCP Sal Gan — Ha NO

27. Tik'n, yang giri va vay ctia Sc to chat tin (hog khac

- yang gill ctia cac t6 chat tin citing khic

31/12/2018

Trien clang Ou

31/12/2017

clang

Tier, yang giri Oiling kj, hyn 21,832,844 19,995,524

- Bang VND 21,697.217 19,036,291

- Bang yang va ngoai to 135,627 959,233

Tien, yang gal co kj, han 9,615,396 13,302,334

- Bang VND 7,208,000 11,250,300

- Bang yang va ngoai to 2,407,396 2,052,034

Tang 31,448,240 33,297,858

- Tien, yang vay Sc to chat tin dung khic

31/12/2018 31/12/2017

Trieu dong TriE:u dijng

- Bang VND 7,325,704 10,694,685

- Bang yang va ngoai to 6,255,902 9,007,876

Trong do: Phat tra trong nghip vu thu tin dung 5,014,969 8,095,834

TOng 13,581,606 19,702,561

T6ng tien, yang gai vi vay cac t6 chat tin dung khic

45,029,846 53,000,419

19

SHB

Ngan hang TMCP Sai Gen — Ha Nei

28. Tien gin ctia khich hang:

31/12/2018

TriO'u dung

31/12/2017

Trie:u clang

Tien, yang gal kitting kyr han 18,967,569 17,752,881

- Tien gUi khong kS, ban bang VND 17,704,553 16,214,179

- Tien gui khong kjf han bang yang, ngoai t@ 1,263,016 1,538,702

Tien, yang gut ea ky han 205,177,899 176,152,566

- Tien gUi c61(5/ ham bang VND 195,239,126 164,002,428

- Tien gUi co kji han bang yang, ngoai t' 9,938,773 12,150,138

Tien gal von chuyin dung 5,248 89,831

Tien girl ky quy 1,074,876 894,492

225,225,592 194,889,770

29. Vim tit try, ity thic (Ian ttr, cho vay TCTD chiu rui ro

31/12/2018 31/12/2017

Tri0t clang TriOi dthig

Von nhan tai try a cho vay bang VND 1,330,584 1,061,994

Von nhan tai try de cho vay bang yang, ngoai to 143,127 2,167

1,473,711 1,064,161

20

SI SHB Ngfin hang TMCP Shi GOn — Ha NOi

30. Cac khoin ncr khic

31/12/2018

Trieu clang

31/12/2017

TriOu clang

Cac khoan phai tra 5,426,910 4,103,201

Cac khoan phai tra not b0 94,450 47,977

Cac khoan phai tra ben ngoai 715,590 487,721

Thus TNDN hoan Iai phai tra 135

6,237,085 4,638,899

21

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04

C

C ,aGG .0 C.

'Co

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SHB Ngan hang TMCP Sal Gen —1-la Nqi

32. Thu nhVp lai vi the khoan thu nhap twang tv

Tir 01/01/2018 den 31/12/2018

Trieu clang

Tir 01/01/2017 den 31/12/2017

Trieu diing

Thu tai tin giri 509,915 393,956

Thu lai teen vay 19,328,758 16,512,998

Thu lai tir kinh doanh, dau to chdng khoan Ng 2,799,625 1,139,572

Thu phi hoat dpng bao lanh 89,626 173,688

22,727,924 18,220,214

33. Chi phi lai Ira cac khoan chi phi timing tv

Tu. 01/01/2018 den Tu.01/01/2017 den

31/12/2018 31/12/2017

Trieu thing Trieu thing

Tra lai huy ding (15,995,038) (12,617,171)

Tra lai cho vay (1,194,901) (806,383)

(17,189,939) (13,423,554)

23

SHB Nein hang TMCP Sal Gen — Ha NOi

34. Lai/18 than tir boat d'dng dich vy:

Tir 01/01/2018 den 31/12/2018

Trigu &jug

Tie 01/01/2017 den 31/12/2017

Trieu clang

Thu phi dich vy 751,022 1,526,170

- Hoat dOng thanh town 193,545 191,422

- Hoat dOng ngan quy 21,489 16,011

- Dich vu dai 19 535,988 1,318,737

Chi phi dich vy lien quan (109,047) (69,305)

- Hoat do, ng thanh Wan (58.120) (44,470)

- Hoat dOng ngan quji- (14,575) (10,179)

- Chi phi dich vu dai 19 (36,352) (14,656)

Lai/18 than tir hat 411g dich vy 641,975 1,456,865

35. Chi phi boat Ong

Tir 01/01/2018 den 31/12/2018

Trieu clang

Tir 01/01/2017 d'en 31/12/2017

Trieu clang

Chi nep thue \fa cac khoan phi, le phi

Chi phi cho nhan vien (Luang, BHXH, BHYT, BHTN, KPCD, chi trang phgc, bao h0 lao &Ong...)

Chi ve tai san

Chi cho hog deng plan 19 ding vy

Chi nap phi bao Mem, bao dam den gal dm kith hang

Chi phi du phong (khOng tinh chi phi du ph6ng rui ro tin dung nOi va ngoyi bang; du pheng giam gia chimg khodn)

(44,559)

(1,836,535)

(428,772)

(666,215)

(184,838)

(9,509)

(28,134)

(1,566,067)

(408,687)

(468,580)

(143,148)

(282,281)

(3,170,428) (2,896,897)

24

bl SHB Ngan hang TMCP Sal Con — Ha NOi

36. Tien va cac khofin twang dining tien

31/12/2018

Trki.0 gong 31/12/2017

TriOu clang Tien mat va cac khoan tuang duang tien tai quy 1,883,016 1,446,548

Tien girl tai Ngan hang Nha nuac 4,193,536 3,742,659

Tien gen tai TCTD khac klffing ky han 25,333,391 20,812,077

Tien giri tai cac t6 clffic tin dung khac c6 thai gian dao han dual 3 thong

4,448,916 7,047,433

35,858,859 33,048,717

37. Nghia vy my tiem an va cac cam ket dua ra

Trong qua trinh hog deng kinh doanh, Ngan hang thuc hien cac cong cu tai chinh lien quan

clan cac khoan muc ngoai bang can dOi ke toan. Cac cong cu tai chinh nay ch0 yau bao gem cac

cam ket bao lanh va thu tin dung. Cac cong cu nay cung tao ra nhOng rui ro tin dyng cho Ngan

hang ngoai cac rui ro tin dung da dugc ghi nhan trong not bang.

ROI ro tin dyng cOa cac cong cu tai chinh ngoai bang dugc dinh nghia la kha Mang mang dart rid

ro tin dung cho Ngan hang khi mot trong cac ben lien quan den cong cu tai chinh do kh6ng thuc

hien cac dieu khoan cua hap dOng.

Bao lanh tai chinh la cac cam kat có dieu kien ma Ngan hang cap cho khach hang da giao dich

vai mot ben thin ba trong cac hog Ong ve bao lanh vay von, bao Faith thanh toan, bao lanh thuc

hien hap clang va bao lanh du than. Rtai ro tin dung lien quan den viec cap bao lanh ve co ban

gi6ng rui ro cho vay khach hang.

Giao dich thu tin dung thuong mai tra ngay la loaf giao dich trong do Ngan hang cung cap tai

chinh cho khach hang cua minh, thong thuang IA nguai mua/nha nhap khau hang hoa va ben thy

Wong la nguti ban/nha xuat khAu. Rui ro tin dyng trong thu tin dyng tra ngay thuang thAp do

hang hoa nhap khau dugc dung da the chap cho loaf giao dich nay.

Giao dich thu tin dung tra chain se phat sinh rOi ro khi hap deng da dugc thyc hien ma khach

hang khong thanh toan cho ben thy htffing. Cac thu tin dyng tra cham khong dugc khach hang

thanh toan dugc Ngan hang ghi nhan la khoan cho vay bat buOc va Ong no tucrng irng the hien

nghia vu tai chinh ctia Ngan hang phai thanh toan cho ben thy huffing va thuc hien nghia vy cua

Ngan hang trong viec bao lanh cho khach hang.

Ngan hang thuang yeu cau khach hang ky qu'y da dam bao cho cac cong cu tai chinh co lien

quan den tin dyng khi can thiat. Gia tri k9 guy/ dao Ong to 0% den 100% gia tri cam kat dugc cap,

toy thuOc vao mac do tin cay cua khach hang do Ngan hang danh gia.

25

fA S1113 Ngfin hang TMCP Ski Con — HA NiCi

Chi tiet cac khoan ding ny tiem An va cam ket ngoai bang vao ngay 31 thong 12 nam 2018

nhu sau:

31/12/2018 Triu oking

31/12/2017 Triu dang

Bao lanh vay von 132,037 179,955 Cam ket trong nghiep vg LC 14,192,041 14,695,470 Bao Lanh Ude 49,522,964 23,117,644

63,847,042 37,993,069

38. Giao dich veri cac ben lien quan

Giao dich yeti cac ben lien quan la cac giao dich dugc thkrc hien vei cac ben c6 lien quan vori

Ngan hang. Cac ben dugc coi la lien quan neu met ben co kha nang kiEm soot hoac co anh huang

dang ke del vei ben kia trong viec ra quyet Binh dtfa vbi cac chinh sach tai chinh va hog dOng. Met

ben dugc coi la ben c6 lien quan vei Ngan hang neu:

(a) True tiep hoac gian tiep qua met hay nhieu ben trung gian, ben nay:

kiem soot hoac bi kiem soot hoac chiu skr kiem soot chung ben Ngan hang (bao gem cac ding ty mg, ding ty con);

co yen gop vao Ngan hang va do d6 co anh hueng clang ke tad Ngan hang;

co quyen dAng kiem soot Ngan hang;

(b) Ben lien quan la cong ty lien doanh, lien ket ma Ngan hang la met ben lien doanh, lien ket;

(c) Ben lien quan c6 thanh vien la nhan su chinh trong Ban Tong Giam dec caa Ngan hang

hoac ceng ty mg dm Ngan hang;

(d) Ben lien quan la thanh vien mat thiet trong gia dinh dia bat ky ca nhan nao da neu trong

diem (a) hoac (c);

(e) Ben lien quan la met to chnt true tiep hoac gian tiep chiu skr kiem soot, deng kiem soot

hoac chiu anh huong dang ke, hoac c6 quyen bleu quyEt 1)61 bat ky ca nhan nao dugc de cap den

trong diem (c) hoac (d).

Tom tat giao dich Ian vai cac ben lien quan trong Quy 4 nam 2018

26

SHB Ngfin hang TMCP Sal Con — Ha NOi

T6m tat giao Bich lOn voi cac ben lien quan trong Quj, IV nom 2018 nhu sau:

Cac giao djch Trieu dong

Thu co tire tit cong ty lien quan 1,150

Tom tat cac khoan phai thu phai tra cac ben lien quan tai thei diem 31 thong 12 nom 2018 nhu sau:

Ph& thu Ctic giao (Lich Trieu (tang

Phtii tra Trieu &Mg

Cho vay 291,745

Tien gui kh6ng ky han 77,857

Tien gtri c6 ky han 248,615

Dau to vao cac ben lien quan 54,107

Lai phai thu tir cho vay, dau to trai phieu 964

V6n gop cua cac ben lien quan 1,281,347

Phai tra lai tien gfri 5,815

346,816 1,613,634

27

SHB Ngan hang TMCP Sai Gen — HA Nei

39. Chinh sach quail ljr rui ro lien quan den cac &Ong cy tai chinh

Muc tieu ciaa Ngan hang IA tai da hoa gia tri dau to cua co thing, gia yang Mc do tang true:mg

Igi nhuan va tinh hinh tai chinh lanh manh. Do vay, viec sir dyng cac cong cu tai chinh, bao gem

nhan tien girl cua khach hang va dau to vao cac tai san tai chinh c6 chat lugng cao da trer thanh

hoat do, ng mang tinh then chat giup Ngan hang dat &roc mire chenh lech Iai suat can thiet. Xet to

khia canh quan 19 rid ro, dieu nay dei h6i Ngan hang ket hop mat cach can dOi girra cac cam ket

ngoai bang (nhu bao lanh va thu tin dyng) vai cac khoan cho vay (bang deng not te cOng nhu

ngoai te) (161 vai cac ca nhan va t6 chirc thuOc cac mac do tin cay khac nhau. Ben canh do, Ngan

hang ding dau to mot phan van luu Ong vao cac chimg khoan dau to hay cho cac ngan hang khac

vay. Nhiing rui ro lien quan den trao dal ngoai to va [hay d6i lai suat duce (lan 19 thong qua ap

dung han MCIC trang thai nham han the six tap trung qua mac cleng thai tham gia vao cac hoat ("Ong

co tac dyng can bang Ian nhau da giam thien rui ro. Thong qua viec nam giu nhieu tai san la cac

ding cy tai chinh c6 chat luring cao, ca cau bang can d61 ke toan hop nhAt cua Ngan hang co du

kha nang pheng ngira rui ro trong yeu trong qua trinh hog &Ong kinh doanh va dam bao kha nang

thanh khodn. Them vao do, Ngan hang cling tham gia vao nhieu giao dich pheng ngira rui ro lien

quan den cac tong cu tai chinh nhu cac cam ket hoan del ngoai te cho myc dich quan 19 rui ro lai

suat.

Trong qua trinh quail 19 rui ro tin dyng, Ngan hang a sir dyng co hieu qua Cam nang Tin dyng

trong do ghi chi tiet cac chinh sach va thu tyc cho vay cOng nhu cac huerng Mn thuc hien de chuan

hoa cac hoat dOng tin dyng cfia Ngan hang. Rui ro thanh khoan duqc han the thong qua viec nam

gia mat se lacing Ion tien mat va cac khoan tuang during tien dual dang tai khoan Nostro, cac

khoan tien giri co ky han tai Ngan hang Nha nu& va cac to chire tin dyng khac va cac giay to co

gia. Cac t9 le an toan c6 tinh den yen to nil ro cOng dugc sir dyng de quan 19 rui ro thanh khoan.

Ngan hang thuong nen hanh danh gia chenh loch lai alai, so sanh \red cac thj twang trong nu& va

qu6c te de co nheing dieu chinh kip thiri. Them vao do, viec ap dyng cac quy trinh quan 19 rui ro

not 136 cOng VC, nen hieu qua han nit viec trien khai He thong Quan 19 Vein Tap trung va He thong

Thanh toan Tap trung, theo do toan 130 cac giao dich van va thanh toan cua Ngan hang deu do 1-101

sa chinh thuc hien. Viec do cho phep Ngan hang giam sat hieu qua hon cac bien dei ve von va

giam cac sal sot co the xay ra cling nhu nhang thu tyc phut tap khong can thiet.

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NgS Thi Van Ke tocin Throng

rt# t Vain Lee

SI-IB Ngan hang TMCP Sai Gan — Ha Nai

41. TV GIA MQT SO LOAI NGOAI TE VAO THUI DIEM CUOI QUV

31/12/2018 31/12/2017 VND VND

USD 23,230 22,425

EUR 26,557 27,259

GBP 29,345 30,693

CHF 23,522 23,306

JPY 210 202

SGD 16,967 16,980

AUD 16,354 17,718

HKD 2,961 2,906

CAD 17,040 18,054

CNY 3,378 3,490

LAK 2.7158 2.6966

XAU 3,646,500 3,652,000

Ngtroti lap bieu

Nguyen Thi Hanh Hoa

32

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