NGAN HANG THUONG MAI CO PHAN SAI GON THUONG TIN, BAO CAO TAI CHINH RIENG CHO QUY Ill NAM 2011 KET THUC TAI NGAY 30 THANG 09 NAM 2011NGAN HANG TMCP SAI GON THUONG TiN BIEU sé: Ma chimg khéan : STB Bo2a/TCTD Ban hanh theo Q® s6 16/2007/08-NHNN ngay 18/04/2007 cua Théng déc NHNN VN BANG CAN BOI KE TOAN Tai thoi diém cudi ngay 30 théng 09 nam 2011 Bon vitinh : VNB = srr chitieu Thuyét] sé cub quy Shabu nim a @ @ @ R TAVSAN_ 7 — 1 [Tidn mat, vang bac, a4 quy 4 W |Tidn git taiNHNN - | 2,948,678,798,124 JTidn, vang giv tal cde TCTD Khde va cho vay lM [e4e TTD kndc_ _ _| 14,815,464,650,319 | _16,376,008,458,335 1 [Tidn, vang gi tai cde TCTD kde 14,651,222,400,319 | 16,249,652,458, 335 [2 [Cho vay cc TCTD khae a 185,607 250,000 | 127,163,000,000 3_[Dy phong rire cho vay cée TCTD khic () (1,365,000,000)| (807,000,000) IV Chong kn6an kinh doanh v.a_|__418,876,731,700 487,861,045,188 1 |Ching khan kinh doanh | 855.244.253.303 | _563,683,053,393 2. [Dy ping gidm gid ching khéan Kinh doanh () (136,367,521,693) (75,822,008.205)) [Céc cong cy tal chin phai sinh va cdc tal sin V [tai chinh khge v2 = - 081,483,358 [V1 [cho vay khdch hang —_ 78,277,621,198,958 | _76,617,039,119,823 [71 |cho vay khach hang v3 | 80,149,199,301,503 | _77,359,055,306,022 | [2 [Dy phong ri ro cho vay khach hang (*) va | _ (871,578,102,545)| __(742,016,186.199)| Vil [Ching khéan du tu _|vs 7,116,044,491,478 1. [Ching knéan adu tu sin sang d& ban 19,118,539,893,630 2 [Ching khéan du tu gid’ dén ngay déo han 2,007 ,504,046,938 3 [Dw phng gi gia chmg Kidan du ty C) | (20,362,230, 100) (10,002,389,290)] Vill | Gop vén, dau tu dai han v6 2,211,233,980,739 2,286,612,207,308 1 [ku tu vao cng ty con | 1,054,000,000,000 2 |Vén gép lién doanh | eens —— = 3 [BBu tu vao cbng ty ibn kB - - 20,000,000,000| SS 4 [aut daitanknéc 618,519,733,510 622,178,543 608 5 |Dy phong gidm gia dau ty daihan C) | @1.285;752,771}|__(103,766,736,302) 1 [Tal san 68 gjnh - — | 3:244,749,638,273 | _2,445,048,836,376 | 1 [Taisdn cB dinhh@uhinh ,715.471,649,119 | _1,177,309,868,060 [a [Nguyen gia TSC _ 2.210,702,463,139 | _1,528,445,302,950 [Hao mon TSCD (*)_ i (495,230,814,020) 524,890) 2 /Tai san cb dinh thué tai chinh ot a |Nouyén gia TSCOTC [ - - [Hao mén TSCBTC (*) —_ = =| 3._[Tai san 0B ginh vo ink 1:520,277,980,154 | 1,267,738,968,307 La |Nguyen gia TSCDVH 576,372,319,071 | 393,424,004 b [Hao mén TSCBVH (*) (147,094,329,917) (96,654,455,697) [Dx [edt dong san adu tu - a a a [Nguyén gia BBSBT : : b [Hao mén BOSBT (*) =| 7 Xi [Tal san C6 khée §,584,796,967,699 | 6,273,259,719,740 | 1. [Cae khan phai thu 5,498,975,513,501 | __4,126,669,630,801 2 |Céc khan Ia, phi phai thu issn 2,090,331,002,468 | _1,517,794,075.237 bs in thud TNON dan lai a : [4 [Tai san G8 khac 995,490,385 930 1628,796,013,702 = Trong d6: Lei thé thong mai a : |Cac khogn dy phéng tii ro cho cdc tal sin C6 noi 5, [bang khdc (*) : Téng tai sin C6 150,046,033,750,929 | 141,798,738,362,350 B NG PHAI TRA VA VON CHU SO HOU : 1_ [Gc khéan ng Chinh phil va NHN vz 3,884,209,368,254 | _4,819,074,348,582 TT ]Tién gin va'tién vay ede TOTD Kha v8 | 49,510,628,815,716| — 15,476,345,266,082, Trang 1ST] ‘Chitieu minh ‘86 cudi quy $6 alu nim @, 2) a @ [Tin gi ella cde TCTD khée TAOS SSA ZRETOT —12,886,820,633,765 2 [Vay e&c TCTD khéc 8,488,504,582.049 | 2,680,524,692.257 It |Tidn gid cia khich hang Va_| 74,049,532,428,270 | 78,888,204,920,735 [C&ic cng cy tal chinh phal sinh va cde khéan 1V |ng tal chinh Khe _| 15,571,337,663 a ‘tal tre dy thic Glu ty, cho vay TCTD chju V |rdi ro _ 4809,575,501,598 | _2,102,704,082.072 | Vi [Phat hinh gidy #8 66 gid V.10 | 30,517,058,200,651 | 24,0946,136,028,202 Vil [Géc khdan ng Khdic _[-vat_ | 2,780,704,785,107 | 1,962,176,973,532 | 1 [Cac khan tai, phi phaita 1,371,351,660,323 | 1,047.61 2 [Tru TNON hoan Iqi phal rd - '3_ [Céc khodn phai tré va cing ng kh 1,145,715 004 874 (862,160 633,435 4 [Dy phong rai ro phai tra kh '283,638,000,000 52,386, ‘Téng ng phil tri 136,276,280,587.280 | 128,165,631, Vil |Von va che quy Via | 43,760,783,163,640 | 13,633,106,743,175 1 [Vin cia TCTD 10,851,870,837,001 | 10,851,870,837,001 a dibu '9,179,230,130,000 9,179,230,130,000 b_|Vén au tr XOCB 794,752,139 ¢ ur vin cf prin 71677,682,804,065 [CB phi e (cb Priba - [g_[Vin khde 153,051,607 169,051,607 2 [Quy cia TCTD | 7,162,121,630,060 | _1,136,457,786,342 '3_[Chénh ich t) gis hbi a6ai C=) 153,804 407,054 =| 4. [Chénh igch danh gi il tal sin = ax [5 |Lgi nhugn chia phan phd LB idy ke 1,611,956,268,625 | 1,644,778,118,932 [Loi nhudn / LS nim nay 7,593,500,723,001 | 1,537, 768,445,153 [Loi nhuin/ LB iy kB nim tude 18,385 565,624 '107,009,673,(79 1X |Lot ich cia od dong thida 85 = ‘Téng ng phal tra va vin cha 96 hou 033,760,020 | 141,798,738,362,350 CAC CHI TIEU NGOAI BANG CAN 061 KE TOAN sT7| Chi tidy rainh, ‘sbcubl quy 86 alu nam [Nghia vy ng Gem Un oa a ToT S03 75 { Tan pia, E 528,861 1 [Bo tanh vay vn 37.277,955,330 7716884 000] 2 [Gam kat trong nghigp UC (6,784,958,677,771 | __5,188,190,427,155 | ‘3 [Béo tinh kh. '2,601,087,460,440 | __1,817,167,767,2°6 | Wt [Cac cam kit dva ra. | 1_ [Cac cam két tal try cho khaich hang 5 ; 2 Cam kbt knée - 964,326 205,134 159,960,473 480 (C7 Chénh lich ty gid hl doi 58 Guage hech todn vdo 181 IS inh doanh tai thoi cidm cudl nim theo quy dinh hin hank, TP.HCM, ngay 24 thing 10 ném 2011 Newet lip xcbtoin trend, ‘Thag Glim Dhe ol (<7 weiwvine (; wie ma cP + SAIGON es Spe ENG er el) Trang 2NNGAN HANG TMCP SAI GON THUTONG TIN situ 86: BasrTeTD Mi chémg khéen : STB Ban hin hao OD wb 16/2007/00.NHNN. by 180012007 cde Theg abe NHNN VN BAO CAO KET QUA HOAT DONG KINH DOANH ‘Quy tt km 2014 anv teh: Vib a7 Chia 0 To De Gh ln Gn wu } mate {Na na Narn Nien tbe a a at @ i) (o @ 1 (REE te aa | ase [asemonzeames | zevesassonas| v2aan 2naseces| 75m. 14s6rAz9 2 [Chi phita va che on phitirong ty | via |soseaznazeota | 1,920,706,100.029| 0.666,663,110,690| .177427,131,973, [1 [Phu nit dun tw +.s00,070,764801 | 916,70.870.007| 3,90400.308918 | 2.202,737.585,458 23 [rnwahte tr heat Bong deh 280:571.017.57% | 105,006,042.060| _977,669,532,100| 634,751,310.501 4 [Gniphinpat one an ww 110502200770 | 67371364840 _310,360,78.605| _146,671,907,388 11 [La1718 enudn to noet abn ach vy sreoee.se7.so1 | zz7zas7zz10| oa7ia.1saaes| 447.770.412.208 1 et a pow Sas ‘aaramaare | erarnanraee| — qnvouseanen| asaezarmani Lar thu tr mua ban ching wy [Lani thu vise | 7223,122,00 | —¢19,00,189,106) (40228000201) La tude to mua ban ching Y |noan dune vis | qyaassstar] 170,713,882] 10,834,871.424 [Thu nntp that ong Kade 2aei2a7713 | 60928,806,560 120,396 068,360 © Joa pit heat cong ike ‘9402,790,788 | _ 41,361,820,108 40,368 506.708 Wi [LAV 718 thud ta npet Gr Ke saoneee.sse | 48.s79.008aeT TOSTTART-ES va [Bal nhte sade vin, mone Vise | sz.aroass.sao | o7ms0s.soe| — 141200,s10.336| 481.974901,408 ‘Vu |Chi phi heat ang vite | 924466,976,906 | 404,276,508,242| — 2,182,272,900,043 | 1,356,636,503,007 | [Let nivugn thudn tir heat dong Cink doar Cue dy phéng Fl ro soszat.zse.221 | es0.ss4.seooe0| —2,531,224,048,100 | 2.002,066,569,440 |i una X [Chi phi dy phang ralroua dyno | | _taror.ste71e | daai.s71.203| ses.azieo.soa| 100,540,773,008 | 20 [rng Ht aha tn tab esr.i1a,r2a.s0s | 6t5.eez,7eeaze| _2,147,902,004,000|1908,16,700,784 7 [ent id THON rigs at 200.735,125,308 | _140e07.47,308 | 564,011.971,820| 424,820,141,208 1 [hv phd thu hte ON Dr : 7 : : 21 |e pit thud THON ‘2oo,7as,s25,32e | 140074700] _seaorse7iaze | a2geasat205 [rat et nag eau ab ‘asaarase7.tre | a7s.sonaanaso| _ 1.003,800,723,001]| ‘.s0qane.eun 510 av|tet ich cba cb dong thidu 0b XV [La co bin ttn ob phidu (EPS) (Cy chia Boo gam Koka Ia chéoh Woh GH NE Goel Go GaN Gia el te OT dem Cu rg '¥ (183.804 407.054 Gong); Khoan ‘ly 38 duge hech todn vo kit qué hoet ng kin doanh vio cull nden theo quy Gah bisa hénh. : ‘TPHCM, ngby 24 théng 10 nim 2011 Xt otn ind ‘Teng Gitm Bbc Uns Van Ha Trang?NGAN HANG TMCP SAI GON THUONG TIN Ma chéeng khéan : STB BIEU SO: Bo4arTCTD (Ban hah theo QD 6 16/2007/-NHNN gay 18/04/2007 alia Thong déc NHNN) BAO CAO LU'U CHUYEN TIEN TE (Theo phusong php try tiép) (Quy tl nam 2014 0 wth: VND aa aaa Luy ké tir Gu nm abn eudi quy nay im nay () Nim tre (*) oy 8) a) | |Lara ehuyén tibn ti Agat dng kinh doanh ‘OF |Thunhap iva te Rhoda hu nh trong tr nh Gee "2047 508 442 314 7,138,821 979,106 (02 |Chi phi va cdc chi ph trong ty 38 8 (@.331,990,780,408)| (6.149.474, 702,969) (03, |Thunhdp Wy hoat dng dich wu ahén auge 967.319,159.495 ‘e7.779412,208 ‘04 [Shéon ich 36 én te thuthye chi tr hoat dong Knh doar (ngoai a. ving bac chim Khoa) (22,193,316,652] 271.436 879:383 5 [Thu map unde '24,249,802,750 26.54 442.558 06 |Tidn tu cécknodn ng da aur x Wj x6a, ba dbp bing ngubn ri ro . : ‘OT _|Tib ei rd cho chin ibn va host Ang qué eng we Tera oes eT 87O) TOBE. BAD) ‘06 |Tibn thud thu nhdp thre ndp trong ky (586, 172,808,654) (401.630.277.459)] [Luu chuyén tidn thud tir hogt dng kinh doanh trée nhing tnay i vb et skin vA én hn dg 1904 946,512,179 1100302,75a,258 |Nhimg thay di vé tai san hoat ding ——] w créngy Giém cic kan in, vang git va cho vay eéc TOTD ke pene eee 10 |(Téngy Giém cfc kan vb Knh doanh ching Raden | _(4,934.448,147,172|__(.279.712.800,508) 1 |(Tang y/Gidm cde cdng ey chien ph sinh va ct sn chin nse 7081.489,358, 600.445 012, 4 | (Tangy Gide cte khan cho vay kndch Rang (2.832,513,000,749) 13. |Gidm ngudn dy phong 8 bu dip tén thét cdc khan = | 14 |(rangy idm kd ve ti sin hoat dong (11854, 462,486,714) (8.538,970870.481)| |Nhang thay di vé céng ng hpat dong: 5 [Tang/ (Gaim) cic khan ng Chinn phi va NHN (025766,060;328)| ——_(1.143,831,567 50) 16 [Tang/ (Gidm) cdc khdan tién gir va vay cc TCTD_ 4,043, 283,549,664 7,506 482,169,990 17 | Tang’ (Gidm) tin git cia khdch hang (bao gdm ca Kho bec Nha es) (9.908,762.492.465)] __20.042.683,96,592 | 76 |Tano/ (Gti phat ar iby cS gia Pana GTC au tinh ao hoat dng ti chin) 0922.262.449| (2.241, 736,193,280) 8 | Tang! (idm) vbn tt, dy the Bu hr, cho vay ma TCTD pha cu seo 2,506,871 508468 (118,063,006 0) | 20 [Tang/ (Gidm) cde céng cy tal chinh phdi sinh va céc khdan ng tai chim kha 15671,337.663 105.712.859.378 |Tang/ (Gidm) khdc vé cbng ng hoat dong 203,621,381, 191 (43,523,846,890)| [cnt ede quj cba TCTD (233 964,190,000) {215,009.962.73) 1 |uww chain the ‘thudn tir hgat dong kinh doanh +3,338,083,876,452 (1,940,340,825,906)| Liu chuyén tn ti hoat dong alu te [ot [Mua sém TSCD (.098265.227,267)] (005,478 840,333}| {2 | Tidn ths ts than Wj, hargng bn TECH 21,655-263,725 96,001,714278 03 |Tidn oy anh 9, nhurgng ban TSCD : (47.968 669,483) 04 [Mua sm bat dong sn dau ty _ = = | 05. |Tidn thu tir ban, thanh ty bat dong san du tu - (06 |Tidn chi ra do ban, than ly bat Ong san dau tu a - 07 Tridn chi aut, gop vn vao ca dom vi kde (Chi du tw mua cong ty con, gb vin en doanh, in At, va cdc Khan du tu dai han jenée “ (201,000,000,000)| © itn tu abut, gbp vin vdo cdc Gon vi Khe (Thu bn than cng ty con, g6p vbn lién doanh, lién két, cdc khoar dau ty dai han khac) 97,859,210,008 +479,000,000,000 08 |Tikn thu cd tire va igi nhudn Gu chis tir cdc khan dau tur, gop vin eathan " 118,768 526,804 481,974.901.408 11 |Luruchuydn tin thudn ti gat dong abu ww (59,774,226 640) (90,320 804,132 ~~ |Lru ebuyén ibn tir hgat dng ti chinn (01 [Tang vén ob phan tr gop vin val hoc phat hanh ob phidu - 1,768,893,192,000 02 |Tidn thu tiz phat hanh gidy to ob gid dai han GU didu kign tinh vao oe |vén ty cd v8 cdc khéan vin vay di han kh [ids chi thann ton gidy 1 ob gid dat an dd ai Ki tinh vBo vin [hy 06 va cdc khdan vén vay dal han kha Trang 4ra Ta eb lu yO eo gu ny] Hien nay Nim tnebe a @ o aaa STRAT 2500070] 08 : ei 5 (Tin waresdo tino pila a 5 i TL phuydn thn Gln Roat dng BT chin (eantgrigaaazn| ——‘7easnae2300 1V_|luns chub bn tan ong Ky "143,707 725308 (sr.g0e.ts7.70 V Fife te ten ong ong le wa al 240107 480.001 | aaseatz 02931 Vi [oi chinh Anh ung eb 153 806,407,054 (207 200,300,137] Fe ea tt abn cud iy 75-300 100 507,520 | 71, 708,403.968-067 atom ay a ce ot th fos ara ey TROT ny OST (cet nim rude Ws ibn ng cba dang Bbn tong gl doen tr nay 1712010 dén gly 20082010. TPM, ngdy 24 tng 10 nam 2011 Lap bidu icin cindy "060 wc Trang 5NGAN HANG TMGP SAI GON THUONG TIN BIeU SO: B05a/TC70 Ma chong khéan : STB Ban hanh theo OD sé 16/2007/05-NHNN gay 180472007 cia Thing GBc NHNN VN THUYET MINH BAO CAO TAI CHINH RIENG ‘Cho quflll ndm 2011 KBtthic ngty 30 théng 09 nlm 2014 ‘8c ald hoat dong coa tb che tin dyng ‘Ngan Hang Thuong Mai CB Phin Sai Gon Thurong Tin CNgdn hang?) do Ngan Hang Nha Nude Viet Nam ofp oily phép hoat <8ng theo Giy Phép Nan Hang s6 OOOGINH.GP ngdy 5 thang 12 n&m 1991. Ngan nang bét du host dong ti nga 21 thang 12 nam 1981. Thon han hoat ddng cla Ngan hang a 100 nam Kb ti ngdy cb oidy phép sia dB ‘inh thoe 88 hu vén: cb phan. “Thanh phd Hog Qua (Ong Bang Van Thanh chatien Ba Huynh Qué Ha, Pho hitch thi dt (Ong Nouya Chau Ph6 Chi teh (Ong Bang Hing Anh ‘Thanh vién ‘Ong Pham Duy Cuong Thanh vi (Ong Nguyn Noge Thai Bink ‘Thanh vien () Ong Lim Peng Khoon ‘Tran vén HOQT 69¢ Hp (7) (° urge bl a than vin HQT theo nahi quybt BHCD nm 2010 ‘Thanh phd Ban Kilm sot (Ong Nouyn Tn Thanh ‘Trudng ban Ong Lé Van Tong ‘Thanh vgn ‘Ba Nouydn Thi Thanh Mai “Thanh ven) (dave bu a thant vién Ban kibm sot theo ngh quyét BHD nim 2010 Tnanh phn Ban Tang Giam Ge: Ong Trdn Xuan Huy “Tang Gib abc (Ong Luu Hujnh h6 Téng Gidm Bbc ‘Ong B80 Nouyén Va Pho Téng Gidm de ‘Ong Nowydn Min Tam Pho Téng Gidm be BA DS Thu Ngan Pho Ting Giam abe ( (Ong Neuyén Dang Thanh Pho Téng Giém dbe Ba Quich Thanh Nope Thiy Pho Téng Giém abc Ong Ly Hoai Van Pho Teng Gidm abe ‘Ong Pham Nhat Vinh Ph6 T8ng Gidm abc (1°) hide lam Ph6 Teng Gide Bbe ti ngdy 14 thing 4 ne 2014 “Try 88 chinh : 266-268 Nam KY Khoi Nghia, Qun 3, TP-H8 Chi Minh, Viet Nam. Ngan hang 66 4 Try 33 chin, 1 $8 giao dich, 72 chi nhnh (bao gdm mi chi nhénh tai Lao va’ mbt tai Virong Qube Campuchia) va 322 Phéng giao den, 1 quy tt ibm tr du khdp 8 nyc. Ngod ra, ng hang ob 4 cdg ty con; 1 cbng ty in kBt, 02 ong y con cia cong ty Ving bac d& «uy Nati hing S8i Gon Throng Tin cong ty Vang bee 88 quy NH Sai Gon Thvong Tin Campuchia (SB s& hou 99.98%) va cong ty TNHH MTV TM Cong nohé Séi Gon Thong Tin (SB s& hit {00% va 04 cong ty con cia Vang bac dé quy NH Sai ‘Gon Thuong Tin Campuchia I PRO.GOLD INVESTMENT Pic (SBJ Cam s& hou 100%). ‘Cong ty con va cng tytn kt ity phép host ana Teil si hou ola NH (©6n9 ty con: = Cong ty TNH Quin 1y va kha the Tal sin Ngan hang S8i Gon Tee Tae 4104000053 10% “Cong ty TNHH Mot Thanh vién Cho hue Tai chinh Ngan hang ‘Sai Gon Thong Tin. (SBL) OAGP-NHNN toed = @ong ty Kibu hi Sai gd Thueng Tin. (SBR) 90/Q-NHNN 100% {Cog TINH Than ito Ving Bae 04 4} 58 Gt Theor ee om = Cbng ty TNHH 1 Thanh Vign Vang Bec Bé Quy Sai Gon Throng een on += Cong ty TNHH MTV TM C®ng Nghe S8i Gén Thuong Tin) ‘oaogeaeas4 100% = Cong ty PRO.GOLD INVESTMENT ("™*) 3396 100% Cong ty Wen ket: ‘rang 6Giza Cnn kote Nn hang TEP SB Gin Thong Ta mana oo (Cong ty Bau ty Ton ehu Chong khogn NHSGTT (“*) oosass62w 19.58% Cg ty Ching khosn Ngan hang TMCP Sai Gép Thuong Tin compuchia Co, 0297672010 48.04% {Sing nina take Na hing THCP Sa Gon Tavong Te cae ear 2)8 cdg ty con ela cdng ty Ching Khon Ngtin hing Si Gon Thuong Tin (€*) ng ty con aia cong ty Vang bac dé quy Ngan hang Sai Gén Thuong Tin (C77) 18 ong ty lin két ca cng ty Ching khodn Ngan hang Sai Gon Thuong Tin (77718 cong ly con cia ctng ty Vang bac 64 quy Sai Gan Thuong Tin Campuchia Ky kb toan, don vi tén t sir dung trong ké toan Yb toa nde (bat du tr ngdy 01 thang O1, kd thie vao ngay 31 thang 12) ‘Bam v tin t@ sir dung trong ké toa: dbng Viet Nam Chuan mye va Ch6 a9 kd ton dp dung B40 cdo ti chinhriéng nay cla Noda hang duge sogn lap sit dung don vi tbn th i dng Viet Nam, theo quy ude nguyen gid va phi hep véi cic Chub myc Ké ton Viet Nam va cc quy dn hign hanh 8p dung cho ngan hang va cc t8 chie tin dung inde hogt 6¢ng ta’ nude CHXHCN Vi6t Nam. Do 66 cdc bao co ti chinn kém theo khéng nhm vao vigc tinh bay tinh hin {8i chin, két qua kinh doanh va lvu chuyén tidn I phi hep vei cde thé ché kha ngodi nuzbc CHXHCN Viet Nam. Cac nguyén thc va thong ip k& tod siz dng tai nut CHXHCN Vigt Nam of thé kha vol cdc nude va che thé ché khac. 'Béo cfo tai chinh féng nay duge Nafin hang soan igp cng nhim mye dich quan ly theo Quyét ginh 66 16:2007/00-NHNN ‘gay 18/0412007 cila Théng Bbc Nofin hang Nha nuéc Vigt Nam vb vige ban hanh ché 4d bo céo tai chinh d6i vbi cdc 18 ‘chit tin dung. Quy6t dinh nay 0 higu lye 4p dung kb tir quy 2 nim 2007 te Mat khde cing theo Quyét ginh s6 16/2007/Q5-NHNN néu trén, vi sogn lp béo cdo ta chinh hop nhét cla Ngan hang va ‘ching ty con ("Tap oan” hay “Nhém cbng ty) 88 dug Nofin hang thzc hin kd tir nm 2008 i al. Nhu vay nhing nguei ‘iF yng bio edo tai chin riéng nay nn duge hidu rng cae bao cdo tal chinh kém theo & dy knéng nhidm muc dich cung cp thdg tn vt hin tl chink, Két qua host dng va nhgng thay di v8 tinh hinh ta chinh cia T&p doan hay Nom cOng ty. ‘Cac Chudn mye Ké toan Vi6t Nam sau Gay ge Nodn hang ap dung: ‘Chun mye 0: Chuo mye chung CChudn mye 02: Yai sé o Gin hau hin CChudn misc 04: Tai sn ob inh v8 hin Chun mye O5: BS dong sin ébu ty CChudn mye 08: Thue ti sn CChudn mye 07: Kétodn cfc knoin bu tr vao cing ty en it CChudn mye 08: Théng tin ti chinh vb cdc khodn vén gép lién doanh CChudn myc 10: Anh hung cia vie thay bit oi Nbi dod Chun mye 11: Hop nhdt kinh doanh CChugn mye 14: Doanh thu va thu nhap Khe CChugn mye 17: Thub thu nhdp doanh nghiop CChudn mye 18: Cac khodin dy phong, tan va ng tikm tang CChudn mye 21: Trinh bay bao cdo ta chin CChuln mye 22: Trinh bay bB sung bdo cdo tai chinh cia cdc ngtn hang va tb chit ta cinh tong ty CChudn mye 23: Cac su hi phat sinh sau ngdy kBtthac kj ké ton nam Ghufin mize 24: Bao c4o lau chuyén tibn i CChulin mye 25: Béo cfo ti chinh hop nhdt va ké ton c&e knodn uty vo cng ty con (Chun mye 28: Thong tin vb cae ban én quan Chun mye 27: Bao c4o tl chinn gia nién a Chula mye 28: Bao céo bo phan Chun mye 28: Thay 68 trong chinh séch KB ton, cdc wée tinh Kb tan va ede sal 6t Chub mye 30: Lai trén cb phibu Vite 8p dung cde chub mc ik toan Vit Nam hign Rand du rén vg rinh bay tong nhimng chinh sdch Kb tod dat ay Bo ota chin ring, Ngan hang &hé hign hoat dng cia tht cé c&c chi nhénh va Sé giao den tryc thude Ngan hang. Treng7® e © CChinh sich kb toin dp dung ti t6 chire tin dung CChuydn ai tibn th: Theo Quyét dah s6 4792004/00-NHNN do Ngan hang Nha nude ban hanh ngay 28 thang O4 nam 2004, QD 807/2008(GD- [NHN ngay 01162005 va QD 29/2006/00-NHNN ngdy 10/7/2006, cc nghiép wy phat sinh bang ngoai # Cure quy abi theo fy id 4p dung v0 ngdy phat sinh nghigp vy. ai sén va cng no bang vn gbe ngoal 8 tai tha cibm cubi thang dye quy Bi theo ty aid 4p dung vao nat cubi thang. Chan igch do dann gi ging thang Guge ghi ng vdo tai Khodn chenh igch Génh 8 lai nga trong bang can dBi ké toan. Sé du chénh Igch do Génh gi lai duoc Kétchuybn vao bdo co kt qua host dong inh doann vao thoi didm cubi nam. ‘Vang dure anh gla vao ci mai thang va chen itch do dh oi ai nang thang duge gh nhgn v8o tl khodn chen ech «nin gid vang trong bing cBn 6b kb ton. Sé dur chénh lech do dénh gid li drge Ket chuyn va bdo cto két qua host dong kin doanh ao tho ibm cubi nam, Nguytn the thy hign hep nh bo eéo tal chinh ‘Che cong ty con ‘C&c cbng ty con la nhing cbng ty ma Tap dean! Nhée cing ty o6 khé ning quy6t dh cdc chinh sch tai chinh va chinh sich Dooat Beng. do co tdi chinh cia céc cong ty con durgc hop nhit tr nay quyén kiém sadt cla cc cOng ty ndy duage tra0 cho “Tap oan! Nném cng ty. B40 co tl chinh ca cc cong ty con s8 khOng duuge hop rin tr ngdy T€p Goan khong cn quyén ibm sost cdc efng ty nay. Tap doin hach toan vigc hep nhtkinh anh theo phyong php mua. Gla phi mua bao Gb gi hep jt nay dn rata ‘i cia cdc ta sin, cAe cong cu vén do bén mua phat han va cdc khogn ng phai tr 68 phat sinh hodc 68 thre nbn cOng vor ‘cc chi ph ign quan trve tgp dn vige mua cng ty con. Cac tai sin da mua hog cdc Khodn ng phai rd due thira han ‘tong vibe gp nh knh doanh digc xc nh kb du theo gid tho 1 tai ney mua, bt ké phn Io ch ca ob déng thu ‘s61a bao nhidu, Phén vugt tO ga gia phi mua va phn sé hou cia Tap doa tong gi tr hop ly thun ca c&c ti sin mua ‘urge ghi ahd 1 Loi thé thuomg mei. The gian sir dung hu ich ote Lol thé thong mai due vec tinh ding dn dye tn ‘th glan thu hb oi ich kinh 1 c6 thé mang lal cho Tap dod. Tho gian si dung hu ich cia Lot thé thuong me ti da khong SBS 13 cong ty én kBt cla ngén hing (7 tong ky ngin hing o6 hoan nhéip 102.567.317.407 ing dy phéng cla md ctng ty con va rich dy phéng 80 ty dong cho ‘mot cing ty con khde (Céc Khon ng Chinn phi va NHN: Vay NHN, Vay 89 Tai chinh (Cac khodn ng kha Téog ‘ian, vang git va vay cdc TCTD kha “ibn, ving gif cba cic TOTO kde Tian, ving gif khong ky han = Bing VND + Baing ving v8 ngog te Tidn, ving gif e6 ky han Bing VND = Bling vng va ngoai te Tong Vay 6c TCTD kde - Bing VND. + Bing ving va ngoal te Tong ‘T6ng itn, vang gif cla va vay TCTD khée ‘Tian gif cia khdich hang = Thuy6t minh theo lal tin if ‘ibn, vang git khong kj han = Tibn git khéng ky han bang VND Tien gif khdng ky han bang vng, ngoal te “Tin, vang gif 6 ky han Tien gif o6 ky han bing VND cus 384, 200,360,254 3,884,209,368,254 Cub 419,052,048,101 375,704 643,711 43,347, 404,390 10,631,982, 184,686 7,904,500,000,000 2,727 482,184,666 14,051,034,232,767 4,250,000,000,000 4,218,594,582,949 8,468,594,582,949 10,519,628,615,716 Cadi ky 14,121,756,215,490 9,547,747.446,175 1,574,008,769,255 62,712,239,832,943, '55,003,864,755,668 Bau nam 4,698,001,716,195 191,172.692,387 4,819,974,348,582 du nam 383,501,564,902 '342,835,249,495 40,668,315,407 12,503,319,068,883, 11,527,472,268,683 '975,848,800,000 12,886,620,633,765 2,899,524,632,267 2,589,524,692,267 16,476,345,266,052 ‘Bau nam 12,087,806,616,196 10,568,667,920,157 1 ,488,138,695,979 (66,141,416,451,840 ‘57,221,008,404,569 Trang 15” " 2 24 10 122 = Tin git 66 ky han bang vang va ngoal te “Tian git vén chuyén ding “ian git ky auy 609 Phat hanh gidy 18 06 gla Phat hanh GTCG theo that gian DyGt 1 nim Tw 1 dn 50am Trén 5 nam 60g Phat hiih GTCG theo loal git to 6 gid Ménh gid Phu toi ‘chist kn T609 Phathinh GTGG theo oe 2 Phat hah G7CS bing VND Phat hanh GTCG bing USD Phat hanh GTCG bang EUR Pith GTC bing ving Tén9 C&c khoin ng kde Cai Tieu (Ce khosn phi tr noi bo (Céc khodn pha tr én nga Dy phing ri o khde: = Dy phéng di vet cdc cam két dara - Dy phng cho céc dich vy thanh tod = Dy phang nro Khe (a phon nitro ag ding... Khang bao sans ing ‘hic a6 vét tt sdn cb n6i bing) al ‘Tinh hinh thy hign nghia vy vot NSNN va thu thu nh “Tinh hin thy hign ghia vy vés NSN chi teu sav au nim ‘88 pha nop Thus GTGT 17,470,238,540 105,981,073,031 Thus tigu thy oc iB ‘Thus TNON 192,186,742,476 554,011,971,829 Thus xu, ap kn Thus sir dung vn NSNN Thus tai rouyén ‘Thué nha oat 5 : ‘Tien thus ast : : Cae foal thus na 22.278,805.436 171,948,737,807 (Cac khodn hi 18 phi va or 199,649,967 182,099,930,718 ‘cic khodn oan lai 297,775,425,419 963,096,713,385 ‘Thu thu nhgp hod ll: ‘Tai sin thud thu rhgp hoBn la: + Tal sd thu TN hon 7,708,375,077,275 217,053,337,554 896 483,042,343, 74,949,532,428,270 cubi Ky 27,387,118,078278 3:150,940,211,373 30,517,058,290,651 cus ky 30,517,058,290,651 90,517,058,200,654 Cush Ky 13,929,905 368,217 33.339,507,039 16,553,813.495,395 90,517,058,290 651 Cus Ky 92,818.617,750 2,424,248,197,448 '283,638,000,000, 79,686,000,000 183,950,000,000 2,780,704,786.197 Phat sin trong kj $6.8 nop 139,766,079,903 86,172,000,654 155;565,434,245, 153,145,519,875 1,034,449,842,67 ously in quan on Kod chénh Ipch tam that ug Khu trie 8,914,388,047,287 10,001,960,280 .649,069,892,479 78,858,294,920,795 pau nam 22,131,874,590,849 2,814,261,497,353 24,946,136,028,202 Bau nam 24,946 196,008, 202 124,946,136,028,202 Bu nim 6.436,419,152,903 107,912,400 18,507,608, 962,899 124,946, 136,028,202 Bau nam 73,669,653,840 1,835 919,918,602 '52:388,000,000 '52,368,000,000 1,962,176,973,532 sé du cust ky (16.614,773,332) 160,025,905,651 38,762,108,986 5,088,054,610 187,281,296,127 Tana 16«Tal sn thu8 TN hod lei ién quan dé Khoi ib tinh thus chu siz dung - + Tai sdn thud TN hon fl lén quan dn Khosin wu dai tinh thus chu sit dung - = Khodin oan nhdp ta sd thud TN hogin aid duge ahi nha tcc ky tte - bThué thu nhap hodin ll phat: + Thué TN hodn lal phi tra phét sinh tr cc khodn chénh ich tar thé chiv thud 5 + Kodi hon nhp thus TN hod li pha rd 48 dugc ghi nan i ec ky tthe - 13 Vin va quy ota TS chitin dung 13.1. Bao edo tinh hnh thay &6i vén chi shat: xem bang chi t6t 8 trang 20. 13.2. Thuyét minh vB ce cong cy ta chinh phite hop ‘Trl phi chuyén 61 Cuthy eau nam ~ Tong gi th: i ; = Gia edu phan No: : : = Gia tf ed pin Von Cho SB How : : C6 phigu uw oa: cus Ky Bu nam = Tig ft : . + Gid tr edu pribn Ng : : + Gid tj eu phn V6n Cha S8 Hou : : 133. C6 phigu cut ky Bau nam = $8 ng 6 phi dng ky phat hah (°: 186,046,911 247 813.081 = $6 htgng cf phi d bn ra cng ching: : 247 887.713, + C8 phi phé thong: - 247 887.713, + C6 phigu i oa: = $6 omg 06 phi de mua ll + C6 prigu ph thong + C6 phi6u wu dat = $6 hg 06 piu dang kau anh 917,923,013 917,923,013 + C6 phi ph thong 017,923,013 917923013, + C6 piu 68 = Mh Gia of phiu dang ru nh: 10.000 Viét Nam dBng/ 6 phn 134 C6 tue: CB oh trun (C6 phi wu 2 + €6 te a8 tTéng $6 of phibn() 18% + C6 tte a8 rd! C6 phan (1)0b tac 45 dugc Bai hei ob ating trong que vot 8 16 chia ob tac 18 45% lng ibn mat (uzeng ng vr 6 Wn La 1.376.854. ‘ru dng), duge tric tr ki nhuan sau thud nam 2010. \VL._Théng tin 6 sung cho cdc Khon muc tinh bay trong Béo céo két qua hoat dng kinh doanh Cc thong aa bd sung cho GAs Aton mvc tinh bay trong Bo cdo két qud host dOng kinh doanh due st dung dom vi uen te laabng Vit Nam. =O yy ny 1a 6 iu phat sinh ts nga 0110172011 Bn 9010972011 = Coty tr a 6 lu ph sinh ti ng 0170172010 66 90/09/2010 14 Thu np ll va cc khodn thu nhap tuong ty ky nay Ky tude “Thu nhgo 1 tbn gin 929,1605521,078 427793, 278.657 “Thu nh@p ll cho vay Khach hang 9,822,568,956,874 8,890,117,237,584 “Thulai ti kinh doanh, duty ching khodn No: : Thu lit ching khosn kinh doanh : : = Thu Bit ching khodn aut 1,785,995.857:342 901,963,959,880, “Thu ah8p lt cho thus tai chinh : 5 “Thu knéc ti hogt dba tn dng 82,308,124,251 181,350,187,308 60g 12,620,123,450,545 7,380,164,657,429 15 Chi phi lai va cée khodin chi phi twang ty: Ky nay Ky tube ‘Trai tin gin 6,846,112,326,404 4,385,937, 400,802 ‘Trai tin vay 175,696 189,267 '490,648,620,662 ‘Te al phat nh gly 12 06 gb 986,446 608,600 323,887,616,380 “Te Ll tb thu@ ta chioh : 6,821,300 Chip oat Bn tin dung Kise 45 408,027,269 36,946,672,820 ng 8,655,663,119,630 5,177,427,131,973 Trang 176 ” 8 wu. Lai 5 thuin tir hoat dOng kinh doanh (mua bén) chung khodn kinh doant: ‘Thu nhap tua ban chitng khodan kinh doanh (Chi phi v® mua bn chimg Khon kinh doanh (Chi phi du phong gidm gid ching khan kinh doanh 09 LBi/I8 thu’ tr hoat 69g kinh doanh (mua bain) chung Khon bute: ‘Thu ahip ti mua bén chung khodn Bu te Chi a v8 mua ban ching khodn du wy Dy phong gidm gié ching Khon Bu ty ong ‘Thu hap ti g6p vén, mua o8 phn (6B tte nh8n duge trong ky ti a6 VE, au ty mua phn + Tit ching Khodn Vn kink doanh (hach toantrén TK 14) Tit ching khogn Vén Bu ty (hach ton trén TK 18) + Ti g6p vén, au tu di han (nach tod tn TK 34) Phan chia lai /8 theo phuong phap vén CSH cla cdc khodn du tu vio cf edng ty ién doa, ibn kbt (Cac khodn thu nha khéc T60g Chi phi hot ang: Chi ngp thud vé ci khodn pi 18 phi Chi phi cho han vién: “Tong 6: - Ci song va phu 6 + Cac Khon chi ding g6p theo hong Chg ofp + Chi eng td Mo (chi vi ai san : ~Trong 46 kh hao tl sn o8 nh {Gh cho hoat dng qu I erg w: “rong 6: - Cong tic phi ‘Chi vi cée hogt dng doa thé cia TOTD Chi nop phi bdo hiém, bdo toan td gi cia ken ing Chi pi ty pong Eng tn ch hd pr ro tn cng v8 goa big: pi ck png om ching kod) (Chi phi oat dong Ke Téa Gée thong tin kha Ky nay (60.545,513,488) (60,545.519.486) Ky nay 8,248,446,940 (23,100,000) (10,349,840,810), (2,366 493,870) ky nay 11,190,738,063 130.078,772,272 141,260,510,335 Ky nay 51,356,596.608 1,094,958,052,329 1,011,981,808,004 79,459,291 222, 3,522,952,303 $530,206,668,741 187,200,548,373 446 842,668,298 14,708,916,809 239,240,073, .58:909,922,067 2,182,272,908,043, ky true 28,946,038,247 (76,172,999,148) (49,226,960,901) Ky truce 41,012,609,148 (31,145,567,273) "767,829:549 10,694,871,424 ky trude 8,733,639,500 473,241,951,906 481,974,091,406 Ky trade 29,163,306,417 658,414,656,736 £598,426,772,976 57,494,871,741 2,495.012,019 389,905,699,233 165.050,648,118 £230,078,858,604 10,007,058,038 103,500,000 49,072,951.987 1,356,635,563,067 Cac thong tn inh bay trong phn VI.20 thuybt minh nay due sik dung dom vi ibn 1 1 tigu 48g Viet Nam va tal phn VH-24 thuybt minh nay duge sir dung don vi tidn tela dng Viet Nam, Gao dich véi cdc bén lién quan Ce giao dich trong Ky Chi pi tra a “Thy ahd fa 8 te 68 han 86 cu tal agay 30/09 “Tien gif than ton va ttn tod ky hen Du ng cho vay “Tam ting khach hing “Thus ti chinh $6 du eau ty ching Kos ng Tién ih TCTD kde CC odin phi thu kha (Ce Khoa phi ra Khe Luong va céc quy8n if Kha cla HOOT wong va cée quyén it Khe cla B TGB Ky nay 97.791 370,366 41,745 1,472,868 2518,188 31,391 480,000 423517 916,029 $5,096 19,950 16,693 Ky tris, 62,661 100,303 123,128 2,880,372 2,250,959 37.424 1,960,000 232,592 3,454,355 20,552 5,599 11.887 Trang 1823° Mie 49 tp trung theo khu we dia Ij cla céc tai san, cng ng va cc khodn myc ngoal bang- xem chi tit al trang 24 VL Quin I ro tl chinh (Cac thong tn tinh bay trong phn Vl thuyét minh nay duge sir dyng don vi tdn la tigu dbng Viet Nam. 221 Rii ro Iai suBt: xem chi tt tl trang 22 2.2 Ril rotate: xem chi tiét tei trang 23, 22.3 Rbi ro thanh Khodn: xem chi tt tl trang 24 Trang 18oz buen OAT TOTEE \ooraisvaaszey \oarezzzaeear) leeerceczeor i) TTS FaRERTIAS Taovesoser or \ooeeareiveen7) ao eee ev ov vores eGR OOR HET wre nov grove aT joswoerercee2) [oscoamerreser STOTT HY | ETE OATTS | CWSLVERETE [oO TOV ones kooooor sry \ooroorsriy eaves aU LaP TEST ever RTT vwrneziois | corsurers oye 96 wre one wre, tune pan bo] om tun bro | wut ogo | mug Are wRED| Tie ee TaN TT seer ones To Ou TTT OETTE Qe bua geo + | orocumu rane urna ib | ean oa ns ~_ tven wo] eer) Suvb Aiwa ooz uw vo Supra uay 0 ‘rap vp Bu on) ‘Pp tn Boe pn ro] ema venir pins mu seam mona. ‘a0 ah] 029 om eb ‘ne supe AvehsenD im wl ca fom ui) (Axton ups on. ‘atvon um ‘Sp 7096] TOT RET (999 vpn 98 roy 9 049 up go Ann uw OF OFB EEEbz Bue, “Bugud Ap you ugud 29 wig6 o8g 9p BUN : UeY IEP 1 Nep UDA doB “UO BUNYO MI NEP eA YUOP YUL “Buey YORUY 4D YUB| ORG 1p WED DED BO 1p) : WiQ8 OG BUAP UN 194 WED ED “OBL LOL ORO BA BuRY YORUY 1 AeA URN GA IN6 UQLL : WQ6 OB 1N6 UN BUI (.) 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