Sffi SHB Broc4o !

lichinh hqp nhAl

NciN RiNG THUO\G MAt cd pHir sir cd\ - Hi :!Ot

Trra Hhs Dao 'Qurn Hoi. Kl.m HiN6r
77 Miu s5: qob
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TD - BANG CAN DOI KE TO^N

DEIIIiNh TII'UdiNS
chi rieu Mt"chr Thutil s6 cu6, [i dlu nln
|'.um'ni- s6
A. TAI S.iN
I Tiin nat vlns brc, dI qn, 0 t5 r,265,84t 1,291,69.1
Il Tian gni qi NHNN 120 16 1525,720 2,114.151
IU Tian,ving gnd rfici. TCTD khac \i chortr crcTCTD r.hic ll0 t1 25.21!,!27 30,116,422
I Trdn, vin8Bni lar cric TCTD khic tll 27,063.127 2),270,s19
2 Cho "ay cic TCTD $rc l]] 2,148,000
I Du phdnt njr ro dneo va lrdn var cdc TCTD kliic D9 (5.D7)
Mhirng klotn kinh do.nh r40 2J 502,911 40,899
I ChrinB kloan kDh doinh 506,t58 65,182
2 Ds phd.e gianr giichimg k}oan kinh domh (3,881) (24,481)
V Cl.c6ngr{ liichinh phiisinhri.i. tti!in rtichinh khic 150 ta
vl Cho vay kht.h hing r89J30,782 r605?E,800
I Cho vay khrch hdns t9\,116,926 r62,176,r85
2 Du phdEg rui ro cho vay kl,ch hnrg 169 20 (2,196,r44) (1,797,185)
vII Chime kloln dAu lu Il0 2t,328.582 1E,t45,62J
I Chtnskho6n dau Msinsrns dabdi t1t 2t I1,030,802 10,788,497
2 Chmg knoh diD ru gln deD nliv d,o han r0,182,95t 9,419.851
I Duphdngtinm giiichungkhotn d6u ru t79 (r,885,171) (1,381,727)
VIII Cdpv6n,di ru dii hrtr 1,10 21 229,01J x22,949
I Diu ulio c6ne ry mn 2
2 vi,n g6pli€n doanh 212
l Diu tuvdo c6nB w lr€n kA 2rl
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5 Ds phdnB ginD 96dA! M dar h 419 (lr,23E) (6,44O
120 1J99,9r5 3,962.052
I Ta, ein 06 d'nh hn]' hinh 169,752
a Ngtra. Eid|SCDhia hinh 954,219 962,704
b Hao hnn TSC D hito hihh -r-.J (581,467) (518.653)
2 Tdr sA, oitditrh lhuarr, ch'nh )24
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a:6
l Tdisan cii dinn vd hinh 211 26 1,510,154 3,538,006
z Ngu)in gd TSCD ln hinh tld 1,741.6t4 1.726,916
b Hoo hnnTSCD$ hi.h (2B,470) 088,9r0)
x Bfr dOngsi diu fu 2t0 I6,955 16,815
a NgxyanBre BOSDT l4t 17.401
242 (446) (586)
250 11 t8,121,129 16,088,151
I Cicbodn phdilhu tir 1.0i4_16.1 t,?05..466
2 Cijc klorin lai p[i phiirhu ?i2 9,276,819 7,875,554
I Trisdn rhuaTNDN hoan tai l5l
7,651-386 6.719.57i
- r.ans dn Lo thi thtdhE Bot 255
5 C6c Inoen duphdne Fir ro cho qicriisar Co n6ibingklec
TdNC T{I S,iN C6
259 (228,;oo) t rr,iou)
100 265J002,t6 23a,941,140
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chi tiou 'hi s6.u6i ki s6 diu trlm

B NO PHAI TRi vA vON csu sO HtrLr

I clc r.Ioin na chinh phi viL NHNN tro 2,783,261 7512,120
lI Tian gni yA uy.nr (i. TCTD khic 310 11525,557 33J09,412
r ro gh.u, car TCTD $rc ::t 2s,881,486 21,299.251
2 v.y ciic TCTD knic i:l 5.641,01t t0 010. r75
III Tian 8'h c0. rdi.h hlng ljo t91,t71,891 166576,1t1
ry Clc.6ngtvllichirhphrisinhyici.lhoinnotii.hinhrrhic l,l0
V v5n tli rrq, ut rhtc diu ru,.hov,y mi TCTD phii.hiu rni ro lso t0 2.421Jr8 808,88',7
vI Phit hloh giiy td.d gi:i 160 lt t5,461,155 1J,767,675
vU Clc kholn Nq khic l?O l2 4,550,087 3,681,536
I Cec khoin la,. phi phai bi l7l 3,744,8-17
2 TINaTNDN horn I0r phr' ru tt, ll8
3 Cdcuroan phdiriliLcong na klec l7l 416,659
4 Dv phan8 nii ro khtc 119
Tdng Nqphti tri 400 1,s0,921,769 720,116,t61
VIII V6tr v[ crc qui 5oo 14J76,8r0 tJ,229,261
I V6n claTCTD 4lO 11.291,147 I l,r9l,l47
a y,in ntiy t, 11,r96,E91 I I,196,891
h riin diu tt xtt:B
c rhd,s d! in c6 phin ttr l0l.7l5 l0l,7t6
d C6 phiiuqLi |t1 (5,260) 6.260)
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C Y;n*hd. 46
2 Qui cuaTCTD i1i] t,019,881 I 018,259
3 Chanh lich ry gL, h6r doir 4ro t,r05
4 ChannEch danh g,ii Lar tni sin 4tO
5 Lo.nurr chvaphenph6i 450 897,66r
Vlll LOiich.nic6d6ngthiausd 700 2,101 2,306
TdNG NO pH,ir rRA yA voN cHtl so H0Ir r00 265,t00,245 213,941,110
cAc cHi Trtu NGoAr BANG
I Nghl. v'r nq riam iD 9r0 30,8r9,6i17 21,254,828
9ll I80.190 176,415
2 Cm k6r roDS nehrap w UC 9t2 I2,025.970 t0,6?0,8t5
9Ll I8,673,28? t2,407,598

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77 Tl,r Hmg D@ . Quin Hoin Kfm - Hi Ndi

TD - BAo CAo LU'U CHUYEN TIiN TE - PPTT. QUf

Chl tiau
M,.hl l}uyat

I LUI CHTIYT]I'IIiN T.THO4T DO\G XI\H DOANH

I Thu nhip lir viL cdc hloii rhu nhtp ru6s runhin duo. 3,72t.029
2 Chiphiltu vi ci. ch, phjruong rudr rn (3,770,5t4)
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22 Chi rn cic qurclia TCTD(') 2l
Lw chuydn $an ftuin lnhoar dong Linh do,nh 2J75,051
X LT]'U CNTIYfN TIIN Ti'IIOAT DO\C DiII TU
I Muasim d'sd.ad'nh :i (71,t06)
2 ]i;n6u Ltrhanhli.nhu{,nghin ISCD l6 130,40t 130,350
I r'ai chL Lnrhanh li, nhuqogbinTSCD('l )1 (57)
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5 nin rhu rirbdn, rhanh ly biL,iOne sdn diu (u
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7 Trin ch' diu ru. sap v6n vio.ac Jm !r khrc (rr,s5?)
3 Tidn fiu diu rr s60 lin vdo cdc ddn I Lhi. 12

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NI LUU CEUYTN TI TiI HOAT DONC TA I CHiNH

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rv Luu rhuyaD rian thuin rrongki az

v TiAn vi ctr khoitr rMsdwng ridn rt, thdr d,6m,r:iu [i

VI Diau.hitrh infi hrcnscni thrydd' rysi:i
rql Tianvicrcknoin rumsdumgiia. hi rhli diiD o,ii ki ,15

Hn nAi, iCd, th.ii| ndh 2017

L6p birg K€ todn trron -gq'?/$,\ Tine Gi6 d6.W,,

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THUYET MINH BAO CAO
TAI CHINH HOP NHAT
Cho giai doan ti ngdy 01 thting 01 ndm 2017
din ngdy 30 thang 09 ndm 20t7
 ta_qHp
NgAn htog TMCP Sni Cdn -Hi Noi

THTryET MINH BAO CAO TAI CHiNH HqPNHAT

QUV III NAM 20T7
l. Th6ng tin vi ngln hAng

ci6y ph6p hoet 0041-NH/CP ngiy 13 theng I I nem 1993

tlQog
Cily ph€p hoat dong do Ngan hang Nhe nuoc ViQr Nam cip
Thoi hqn ho4t dQng cLla Ngan hang IA 40 nAm k6 rn ngiy cip giiy phdp
dau tien.

HQi ddng Quin tr!

dng D6 Quang Hi6n Chn tich Tdi b6 nhiCm ngey 28 th ng04 nim2017
6ng V6 Duc Titin Ph6 chu tich Tei b6 nhiCm ngdy 2E thang 04 ndm 2017
6ng Nguy€n Vnn L6 Thanh vi€n Tni M nhiCm ngey 28 th6ng 04 ndm 2017
6ng Trin Ngqc Linh Thenh vi€n Trii b6 nhi€m ngdy 28 theng 04 ndm 2Ol7
6ng D6 Quang Huy Thdnh vi6n Tii b6 nhi6m ngdy 28 thAng 04 nem 2017
Ong Th6i Qu6c Minh Thdnh viEn dgc l6p 86 n h iCm ngdy 2 E thdn g 04 ni)m 2Ol7
dng Pham C6ng Dodn Thdnh viCn 86 nhi€m ngdy 2t th6ng 04 n6m 2017
Ban ki6m sodt

Ong Pham Hda Binh Thdnh vian T6i b6 nhi6m ngiy 28 thang 04 nErn 2Ol7
6ng Nguy6n Hiiu Duc Thinh vi€n T6i b6 nhiCm ngdy 28 thring 04 nem 20 l7
Ba Nguyan Thi Hoat Thanh vi6n T6i b6 nhi6m ngdy 28 thdng 04 hem 2017
BA L€ Thanh Cim Thinh vi€n Bd nhiCm ngAy 28 theng 04 nim 20t7
BA Pham Thi Bich Hdng Thdnh vi€n 86 nhi6m ngriy 28 thring04niLm2OlT

Ban T6ng Gi{m it6c vl K6 toin rruing

6ng Nguy6n VAn L6 T6ng Cirim dtic Trii b6 nhi€m ngdy 2l th6ng 5 nern 2014
6ng L€ Dtrng Khoa Ph6 T6ng Gi6m <t6c 86 nhi6m ngey l0 th6ng 4 ndm 2009
6ng Nguy6n Huy TAi Ph6 T6ng Gi6m d6c 86 nhi€m ngdy lt rhdng 02 nem 20t 3
Ba Ng6 Thu Ha Ph6 T6ng Gi6m d6c Bd nhi6m ngdy l5 thang 3 nem 201 I
Bi Ninh Thi Lan Phuong Ph6 T6ng Girim diic 86 nhi6m ngiy 08 th6ng 06 nrm 20t 2
Bi DEng T6 Loan Ph6 T6ng Gi6rn d6c 86 nhiem ngAy 9 theng t0 ntrrn 2012
Bd Ng6 Thi V6n K6 toan truong Bri nhi6m ngdy I I th6ng I I ntrm 2014
Tr+ s&chinh -
55 77 Tran Hung Dao - e.Hodn Kiiim -Tp.HaNOi -ViCtNam
ta_s"HB
NgAn hAng TMCP Sdi Gdn - Hi Noi

2. D{c di6m hoft iiong cia t6 chi'c tin dgng

Ngan hang Thuong m4i C6 phin Sai Cdn - He Nai (duoi day ggi tir li "Ngdn hdng") ld mot
ngan hdng thuong mai c6 phan VrCt Nan thenh lAp tai nuoc C6ng hda Xa hoi Chn nghia vret
Nam v{ii thoi gian hoat dong ld 40 n6m theo 0041-N[UCP ngny 13 theng I I nem 1993 cria Ngan
hdng Nhri nndc Vi6t Nam.V6n iliri:u l9 crla NgAn hiLng tai 3O/O9l2Ol7 la I L196.891 trieu
^Eiy
ddng (Mudi m6t nghin mot l.Am chin rnuoi siiu ti t6m tr5m chin m6t trieu ddng).
Hai so chinh cia Ngan hang dit tai 56 7? - Tnin Hung DAo - Q.Hoan Kiiim - Ha NOi - Vier
Nam.Tqi ngiy 30/0912017, Ngan hAng c6 6.2E9 nhin vi€n, tli,3lllznlrc Ngen hdng c6 6.351
nhen vien.

3. T6rD til cic chiDh s{ch k6 toin chi y6u

Chu6n ngc vir ch6 itQ k6 toin 6p dgng

Ngen heng trinh bdy cec beo ceo rai chinh theo Lual cdc T6 chuc Tin dqng. Luat sua d6i vd b6
sung mQt s6 diiu trong Luit cdc 16 chuc Tin dgng. cric chuin muc 16 roen viCt Nam \a HC lhdng
Kii toen cec t6 chric tin dung Vi6t Nam.
Ki b6o cio vi ildn vi tiitr te
Ki beo c6o cua Ngan hdngb;t diu tir ngny 0l/012017 va kdr rhnc v6o ngay 30/092017. Dc,n
vi tian t€ srr dung trong ghi chip kti to6n Ia ddng Vi6t Nam (VND). Tuy nhi€n, theo quy dinh t?i
Th6ng tu 49l20l4iTT-NHNN ngay 3l/12l2014 cia Ngan hdng Nhd nu6c, cec s6 lieu tren Beo cro
tii chinh dugc lem trdn ddn hdng triiu vd trinh bey lheo don \ i rri6u d6ng Vi€r Nam.

4. Nguyen tdc ghi nh$n c6c nghiQp vg bing ngofi te vi quy it6i

Theo h€ thiing k6 to6n cia Ngan hdng. lal ca ciic nghiip vu ph6l sinh cara Ngan heng dugc
hach to6n theo nguyen t€. Tei thdi di6rn cuiSi n6m, tdi san va c6ng no c6 ngudn giic ngoai t€ dugc
quy d6i sang VND theo ti gi6 quy dinh veo ngay lap bang can diii k6 to6n. Cec khoan rhu nhep vd
chi phi bing ngoai t€ cua Ngen hang duoc h4ch to6n bing VND theo ri gie vdo ngdy phet sinh
th6ng qua giao dich mua biin ngoai tC. Chenh lech ti gi6 do drinh gi6 lai c6c tii khodn kinh doanh
ngoai te duqc hech todn vao b6o ciio K6t qua Hoat d6ng Kinh doanh vA tqi nhu6n dd lai. Chenh
l6ch li
gi5 phet sinh do quy aldi c6c rai sirn vi c6ng no khic bing ngogi td sang VND duoc xu tti
vio doanh s6 cia ciic khoan muc tuong tng tren bdng can d5i k€ to6n vio ngdy lip bdo cdo tii
chinh.

5. CbtDg khontr ifiu tn gii d6tr ngiy ilio h$n

Chtug kho6n no gil

d6n ngAy d6o han ld cdc chring kho6n c6 ki han c6 dinh va c6c khoan
thanh torn c6 dinh hotrc c6 th6 xec dinh duoc vd Ban T6ng Gi6m d5c c6 dinh va c6 kha ndng gi&
i
Ngin heng dang ghi nhen c6c chung khoan ndy theo gi6 g5c cQng Iii dU thu rrir
d6n ngriy drio han.
l6i chd ph6n b6. ci5 tri phu trQi ho6c chii:t khdu (n6u c6) cring duqc phdn 6nh vio gid rri ghi s6
cta khoan diu tu. Lai dugc du thu hoec phdn b6 theo phuong phep duong thing. Chung kho6n
 SHB
Ng6n hnng TMCP Sli Cdn - Ht Noi

gitr d6n khi d6o hen sC dugc xem xdt va khi nnng grim giri. Chring kho6n dugc lep dU phdng
duo.,c
giam gie khi gie tri thi truong nhd hon gid tri ghi s6. Dtr phong gierm gie duqc ghi nhan vio b6o
cdo ki:t que hoet dong kinh doanh.

6. Chtug khoin itAu tusiD sAog it6 bdn

Chung kho6n tliu tu sin sdng d6 brin li c6c chring khoen duqc gitr kong thoi gian kh6ng in
dinh tru6c, c6 th6 duqc brin dii t16p ung nhu ciu lhanh kioan hoic de hg ph6 voi truong hqp thay
d6i lei su6t, ti gie, hoic gi6 tri chfmg khoiin. Ngan hing dang ghi nh{n c6c chtmg kho6n ndy rheo
gid g5c cQng lai dU thu trt lai chd phen b6. Cie tri phu rroi ho6c chi6t khAu (n6u c6) cing duqc
phen enh vao gi6 tri ghi s6 cua khodn diu tu. Lai dugc du rhu hoac phan bd theo phuong ph6p
duong thing. Cec chfmg kho6n nAy duo. c ir6nh gi6 dinh ki theo gi6 tri th! truong vA dfr phdng
giam gi6 tri se duo. c lap khi gie tri thi truong nho hcm gid tri ghi sd. Dq phdng giem gie duo,,c ghi
nh6n vdo bdo c6o k6t qua hoat dong kinh doanh.

7. Chtmg khoin kinh doanh

Chtng khoen kinh doanh ld ching khoen ban diu duoc mua ve nim Bit cho muc dich kinh
doanh tronS ngin han hodc niiu Ban T6ng Cirim d5c quyit dlnh nhu v{y. Ng6n hing dang ghi
nhan ciic chung kho6n ney theo giri g6c vdo ngay giao dich. Trong c6c ki ti6p theo, cec chung
kho6n ti6p theo 916 g6c. Tuy nhi€n, gie rri rhi truong cia cdc chrmg kho,n van
4c duoc ghi nh{n
duoJ Ngan hang theo ddi da d6nh gia va kha neng giam giri khi gi6 tri rhi truong thdp hon giri g&.
Ngoei tril rruong hgp kh6ng thd x5c dinh gi6 tri thi truong mdt crich chic chin thi gi6 tri cua
chtng dugc tinh dua trCn nguy€n gi, sau khi tri di t6n thit uoc tinh (niiu c6). Lai hoic 15 tn kinh
doanh ch(mg khorin duqc ghi nhan tr€n b6o cdo k6t qud hoat d6ng kinh doanh rheo s6 thudn.

8. Cic khoin cho v{y v} ftrg trhrc khdch hing

Cac khoen cho vay vA rng truoc khech hing duoc c6ng b6 va rinh biy theo s6 du no g6c tai
rhoi diam cu6i k, ki: to6n.
9. Du phdng riii ro tir dung

CAc khoiin cho vay khdch hring dugc ph6n loai theo Th6ng tu s5 02l2013[f-NHNN ngay 2l
rheng 0l ntrm 2013 va th6ng tu s6 09/20I4/TT-NHNN ngdyl8 th6ng 03 nim 2014 cua Ngan hang
Nhi ntr6c vd vi6c ph5n loai ng, trich lap ve su dung dq phdng d6 xu l1/ rrii ro tin dung trong hoar
dong ngan hdng cia 16 chuc rin dung lheo cAc mtc d6 rui ro nhu sau: No d[ tiCu chuin, No cin
cht li, No dudi ti6u chuan, Ng nghi ngo ve Ng c6 khe n6ng mAt v5n dga vao tinh trang qu6 han va
cec yatu t6 dinh luong khac cia khoan cho vay.
C6c khoin no dugc phen loai le Ng duoi ri6u chuin. Ng nghi ngd vi No co khd nang m6t v6n
duo. c coi lA ng xdu
 SHB
NCAD hdng TMCP Sli Gdn - HA Noi

- DF phdng c$ thi
DU phdng cU th6 duoc trich lap n€n rui ro tin dung lhuin cua ciic khoan cho vay theo ti lC

tuong ing voiring nh6m nhu sau:

t\ i, ,it t)it,tt, , I tlt.:

Ng dt ti€u chuan 00/.

2 Nq can chi :i 50/o

3 Nq duqi ti€u chuan 200/"

4 Nq nghi ngd 500/"

5 Nq c6 kha nlng mat v6n tooo/.

RUi ro tin dung thuan cLia c6c khoin cho vay kh6ch hang dugc tinh bdng gi5 tri cdn lai cua c6c

khoAn cho vay tru gie tr! cua tai sen dem beo da duqc chidt kh;u theo cdc ry Ie theo quy illnh trong

th6ng tu s6 0220 1 1[r-NHNN. th6ng ru s6 O9/2Ol 4rfI-NHN .

- Drf phdng chung

Ngan hanS thuc hien trich lap ve duy tri du phdng chung bing 0.75olo t6ng gi6 ki c6c khoan ng

duoJ phan loei rir nh6m I d6n nh6m 4, tm cdc khoan lian gni lai td chic lin dung rrong nuoc, chi
nh6nh ngan h6ng nudc ngoiii lai ViCt Nam lheo quy dinh cta phap luat. lian tsui tei td chtc tin
dvng nudc ngoai vd c6c khoan cho vay, mua c6 ki hen giiy ro co gi6 d6i voi t6 chic tin dung, chi
nh6nh ngan hdng nu6c ngodi khec tai Viet Nam.

Du phdng rui ro tin dLrng tei Campuchia, Ldo Ap dung theo quy dlnh hi6n henh cua NHNN
Campuchia, Leo trong kj,b6o cdo tuong ing.

10. Tii sen c6 dinh

Tai $in cd dinh duo,,c lha hien theo nguy€n giri rrir di khiu hao lny kd. Nguyin gid bao gdm
toan b6 cec chi phi me Ngan hang phai b6 ra dd c6 dugc tei san c5 dinh rinh diin rhdi didm dua tii
san d6 vdo rang th6i sin sdng sri dqng. Tii sen cii dinh duoc tinh kh6u hao theo phuong ph6p

duong thing dii trt din nguyen gia tdi san trong su6r rhoi gian hnu dunB uoc rinh nhu sau:

- Nhd cua, v6t ki6n trric 25 nem

- M6y m6c, thi6t bi 0l - 05 nam

- Phuong ti6n van rii 06 - l0 nem

 SHB
Ngin hnng TMCP Sii Gdn - Ht Noi

- Thi6t bi ven phdng 03 - 07 nAm

- Tai siin c5 dinh htu hinh khac 04 - 07 nlm

- rnan mem may trnn 03 0E nAm

- Tai san c6 dinh v6 hinh kh6c 02 - 20 n6m

Quydn su dqng d5t duo,,c kh6u hao theo phuong phap duong thing phr) hqp voi Giiy chung
nhin quydn sri dung <tit. Quytn si dung tlit vd thdi han dtrgc ghi nhen theo gia gdc va kh6ng rinh
kh6u hao.

ll. Tian vl cdc khoin tuong dudrg fian

Tian va cac khodn tucng duong tiin bao gdm tidn mtrt, ving, d6 quj, riin grii thanh toen qi
NHNN, tin phiilu Chinh phri vi c6c gi6y td c6 gi6 ng6n han dn diAu ki€n chii:r khiu v<ii NHNN,
cdc kho6n tian gui thanh to6n vd ritn grii. cho vay tai cdc 16 chtc tin dung khdc c6 thdi han deo
h4n kh6ng qud 3 thring k6 ti ngdy gui.

12, Cic c6trg cq tli chinh phdi sinh

C6c c6ng cu Lii chinh phei sinh duqc ghi nhan F6n bang can d5i kii todn theo gii tri hqp d6ng
vdo ngdy giao dich, vd sau d6 duoc d6nh gi, lai theo gi6 tri hqp ly. Loi nhuen hoac 16 khi cec c6ng
cu tii chinh ph6i sinh duqc thuc hiQn dugc ghi nhan trong b6o ceo k6t quA hoat il6ng kinh doanh.
Lgi nhuan hoSc 15 chua thgc hi€n duoc ghi nh6n vio khoin muc ch€nh l€ch d6nh gie lai c6c c6ng
cu tii
chinh ph6i sinh tr6n bing cAn d6i kC roen ve duoc k6t chuy€n vAo k6t qua hoar d6ng kinh
doanh vio thdi di6m cu6i ndm.

13. Ghi rhatr thu Dhap/ chi phi lii

Ngdn hdng ghi nh6n rhu nhap tir tei ve chi phi lai tren b6o cio k6t qui hoat d6ng kinh doanh
trCn co sd du thu, du chi.

14. Ghi nb6n thu nhip tn phi vA hoa hdng dich vr;

Ngan heng thu phi ti cdc dich vr.r cung c6p cho khdch hang. Thu nhep ti phi c6 lha chia lhenh
cac nh6m sau'

. Phi thu ti viqc cung cdp dlch rg trong m1t thAd gion nhil dinh: phi thu tir ']ic
cung cip dich vu rrong m6t thoi gian nhdt dinh dugc du thu trong su5r thdi gian d6. phi
ndy bao giim phi qudn li, phi nhan iy th6c, hoa hdng va cec phi ti6n quan d6n cip rin dung,
quen l:i Lii san, phi quan lj danh muc vd c6c chi phiquen lli cing nhu phi tu vin khec.
]'SHB
Ngin htng TMCP Sli Gdn -Hi Noi

. Phi thu ti
viac cung cdp dich e! gioo dich: Phi phar sinh rt vi€c dam ph6n ve
tham gia dAm phrn cec giao dich cho mdt b€n thi ba, vi du nhu dAn x6p vi€c mua c6 ph6n
hoec c6c loai chrhg khodn kh6c hoac mua lai doanh nghi€p, duoc ghi nhen khi hodn t6t
giao dich lien quan. Phi hoac mor phin c'la khodn phi ndy c6 li6n quan d6n vi€c thqc hiQn
m6t c6ng viCc nh;t dinh s6 dugc ghi nhan khi hoan dr diau kien trrong ing.
I'SHB
Ngin htng TMCP SniCdn - HA Noi

15. TiAn m{t, vdng bec, il6 quy

JUng/2011 3l 2t20t6

Tidn mit bing VND ql4,34 t 765.199

Tiin mat bing ngo4i rf 119,682 525.t63
Kim loaiquy, d6 qui 1.818 t,332
r.265.841 r291,694

16. Tian gii lgi Ngen hAng Nhi nudc

30to9t2011 3,/t2t20t6

Tirin gd,i thanh loan tai Ngan henS Nhd nuoc 1,525,720 2J18.757

1,525.720 2,1tt,151

17. Ti6n, ving giii t4i c6c t6 chric tin dung kh{c vA cho vay c6c TCTD khdc

30t09t2017 3 t2t20t6

Tiin, fing gni kh t g lt.i hM I E,r04,8r4 12,320,394

- Bing VND r7.670.:38 I1,706,5 r6
. Bing ngosi t1. vdng 434.\16 68.878
Ti,h, fing gtii ctt ki hg 4,958,I1 r0,9t0,t55
- BIng VND j.6t5.000 8, r65,ll7
- bang ngoat tc, viing
2,745.028
Cho vay 2,1{8,000 6,91 r,000
- Bing VND 2.118.000 6.9r r.000

Dg phdrg rii ro tian gni vA cho vry crc TCTD kh[c (s,n7)

25,211,121 30,1J6,422
*r-_$"H"p
Ngan hing TMCP Sli Cdn -HA Noi

lE. Cdc c6ng c+ tii chinh phii sitrh vi cic tii san tii chinh khic

T?i ngiy 30 th{rg 09 ntrm 2017

C6,tg c(t TC phdi sinh An4 20,875,280 64,904
Giao dich ki han tian tC t,191.t41 12.3',73
Giao dich hoan d6i ki han t9.078. t40 1,469

Tqi ngdy 3l th{ng l2 nIm 2016

Cflng c( TC phdi sihh tin tC 9,082,389 44,57a
Giao dich ki hen ti6n G 7.401,386 13,424
Ciao dich ho6n d6i k, h?n 1.675,003 31, rs4

19. Cho vay khich hing

30t09t2011 3t/12t2016
I rtlu clonq lttcu aonP
Cho vay cric t6chric kinh t6, cd nhan rong nudc 190,126,9'73 I61,341,033
Cho vay chi6t khau thuong phi6u vd c6c gi6y to c6 7.2].2 6,299
Cho thue tei chinh
Crc khoAn ra thay kh6ch heng 35.16t 47,338
Cho vay bing v6n tdi trq ti cdc TCTC Quiic rA I t,401,48s 808,887
Cho vay diii vdi cac t6 chic, cii nhen nu6c
Cho vay khric
No cho va) dugc khoanh va ng chd xrj li
191,573,451 162,203,557
C6c khoen phai fiu giao dich ch[mg khoiin cua 15j,475 t72,6z\
191,726,926 162,376,1E5
t4s,"Hp
NgAn hing TMCP Sti cdn - HA Noi

19.1. PhAn tich chdt luqng rq cho vay

toto9l20t1 3Ut2n0l6

Nq dn tieu chuAn 185,446.321 156,920,412

Nq can chl i 2,455,401

Ng dudi tiCu chuen 485,899 263.185
Ng nghi ngd 1,102,431 993.341

Ng c6 kha nang m6t v6n 2,083,388 r,786,854

Cdc khoan phai thu giao dlch chung khoiin cria

153,474 t't2,628
c6ng ty CP Chung khodn SHB

191,126,926 152J76,185

Ti le nq

30109n017 tl/t2n0t6

Ti lC nq qud han 3.200/o 3.25%

ly le no xau L920/o |.810/0

19.2. Phen tich du nq theo thM giatr

30109t2011 3Ut2t20l6

Nq ngin h?n 't8,tJ6.235 13,797,009

Ng trung han 47,305,913 38,022,985

Nq dai han 65,511.284 50,383,563

Cdc khoan phei thu giao dich chung khoiin cta
t53,474 t72,628
cOng ty CP Chtng khoen SHB
191,726,926 162)16,tt5
?2'SH"P
NgOn htng TMCP SAi Gdn -Hi Noi

19.3. PhAn tich du nq cho vry theo d6i tuqng khich hdng vd to+i hinh doanh nghiep

30/09/2017 3l/t2l20t6

C6ng ry Nha nudc 8,437.t01 4.400/. 't,2J t ,651 4.45%

C6ng ry TNHH Nha nu6c t4,r69,461 1)9% 12,412,504 't.64%

C6ng ry TNHH khac 31.636,798 16.500/o 24,494,250 r5.08%

COng ty c6 phen v6n Nha nu6c t5,977.444 E.33./" 15,114,294 9.3to/o

C6ng ty c6 phan khac 82,r52,051 42.850/r 69,049.630 42.5to/o

C6ng ty hgp danh 9,146 0.00% 96,250 0.060/o

Doanh nghiep tu nhan 2,083,517 t.090/. l,565, r04 0.960/0

Doanh nghifp cd v6n diu tu nudc ngoai 33,7t8 0.02% 59,2t5 0.04vo

Hqp t6c xa va li6n hiep hgp t c xa 19.519 0.04vo 64.145 0.04./o

H0 kinh doanh, ce nhAn 14,681,081 t8.09yo 30,331,453 r8.68%

Thanh phan kinh tC kh6c 2,3 t r,555 |.ztyo 1,784.855 t.t0vo

C6c khoan phai thu giao dich chrng

khoan cua C6ng ry CP ching khoan SHB
153,47 4 0.08% t12.628 0.1%

191,126,926 100.00% 162J76,1t5 r00.00%

l0
#$.rLP
Ngen hlng TMCP Sli cdn -HA Noi

19.4. PbAn tich du nq cho vry theo nginh kinh t6

30t09t2011 3r]t2t20t6

N6ng nghiep vi lem nghiep va thny san 41,219.231 21.530/o J4,501,644 2t.25%
Khai khoeng 8,041.088 4 t9% 8,481,683
C6ng nghiep ch€ bi€n, ch6 tao 28,903.334 t5 080/0 25,232.054 15.540/o
Sen xuit va phan phiii dien, kri diir, nu6c
n6ns. hoi nudc va diCu hda kh6ns khi
9,919,032 s.170/. 8,427,214 5.190/o

Cung cip mrdc; hoat dong quen Iy va xr:r

li r6c thdi, nudc fiAi It3,8t 7 0.06yo 154,238 0.$o/r

Xay dung 27.255,510 14.220/o 22,636,551 13.940/o

Ben bu6n va bAn lC; sua cht'a 6 t6, m616,

xe m6y ve xe c6 dong co khec
3t,t61.162 t6.25vo 25,922,633 1s.910/r

VAn tai kho bai 3,298,220 t.72vo 3,326,876 2.05vo

Dich vu luu tru va En uiing r,lt9.l75 0.58% 1,213.651 0.15V"
Thdng tin va rruydn th6ng 330,659 0.t7yr 143,909 0.09y"
Hoet dong ldi chioh, ngan heng va bao
hidm
1,972,511 t.ojvo 983.86r 0.6toh

Hoet d6ng kinh doanh bdt dong san 15,269,397 1.96yo 10,59',7.684 6.53%
HoAt dong chuyen m6n, khoa hAc vA cOnB
nghe 605 951 0.32% 59t.889 0.36%

Hoel d6ng hanh chinh va dich vU h6 trq 1,464.352 0.76% t,237,078 0.76%
Hoat dong crla Dang COng sdn. 16 chfc
chlnh tri - xa hoi. ouan lv nha nudc. an 87 351 0.050/0 5t.616 0.030/0

Gi6o duc va dao teo 285.731 0.15% 179,654 0.|o/r

Y t6 ve hoat dong trg giup xa h6i 106,260 0.06% 137,533 0.08%
Nghe thuat, vui choi va gidi rri 280.699 0.15% I13,037 0.tgvo
Hoet dong dich w khec la,'72a,914 9.7 70/o t',7.',l58,t44 10.94%
HoAt dong lam thuC c6c c6ng viec trong
cec h6 gia dlnh, san xudl san phem var
,ii1"tr vu tu tieu dirng cia rr0 gL l'350'130 0.100/0 310,536 0.190/o
"tr6t
dlnh
C6c khoen phei rhu giao dich chung
kho6n cria c6ng ty cp chrmg khoan SHB
153'474 0 08% 172'628 \'llyo
Tdngdunq 191,726926 t0o.00o/" t62J76.tts l0O.0O%

ll
,SHB
Ngir hing TMCP Sni Gdn - Hi Noi

20. DF phdDg rii ro tin d+rg

Dv phdng chung Du phdng cu thii

i rryu etong
Kt ndv 80/092017)
s6 du diu ki 1,066J12 731,053
Dg phdn8 rui ro trich lap/hoai nhap rong ki ll I,990
D[ phdng gidm do xt li c6c khoan nq kh6 thu h6i bing (s,E60)
DV phbng giem do tdch Leo rhdnh c6ng ty con
Dgphdng giam do rach Cam thanh c6ng ty con
Ch€nh lech ti gid
s5 a" t<y lJ3r96l t57 183
"u5t

Ki tL6c B1/l2D0l6)
s5 du diu ki 948J55 47t,031
DU phdng rui ro trich lapihoen nhap rong ki t t1 ,0J1 409J22
Sidung dU phdng trong nim (t6'7.263)
Tang do sep nhAp VVF 940 15.403
DU phdng giam dot6ch CN Ldo thdnh c6ng ty con
Du phdng giam do tdch CN Cam lhanh c6ng ty con
Ch6nh lech ry gid 560
s6 du cu6i t<y |,066,332 73t,053

t2
 SHB
Nggn hAng TMCP SAi Cdn - Ht Noi

21. Chtng kho:iD itAu tus;D siDg d6 b6n

3U09n017 3ut2t20l6

Ching khodn N! 12,997,205 t0,751,899

Chirng kho6n Chlnh phir 6,073,820 6,426,047

Chmg kho6n Ng do cec TCTD kh6c lrong nlrdc ph6r hdnh 2,899,855 2,599,788

Chung khoen Nodo cec TCKTtrong nu6c phSt hanh 4,021,530 1,729,064

Chtag *honn Vdn 33,597 33,598

Chfng khodn Vrtn do cac TCTD kh6c trong nu6c phAr hanh '795 196

ChLing khoen V6n do ciic TCKT trong nudc pher hdnh 32,802 J2,EO2

D{ phbng ginm gid chirng *hoth sda sdng iri bti,, (166,11s) (t 25,790)

t2,t64)s7 10,652,107

22. Chrirg khodn iliu tu git rl6n ngiy it6o h4r

30n9n011 3l/t2n0t6
Tri{u d6ns
TtiCu ding Trieu d6ns

Ch'1ng khoen Chinh phn t49,1t6

Chung kho6n Ngdo c6c TCTD khAc rrong nudc phAr hanh r.299.889 999,879

Chtng khodn Ng do c6c TCKT trong nuuc PH 8,733,346 8,439,974

DU phdng giam gid chrng kho6n diu rugitrd6n ngdy ddo haa (t,118,726) (r.255,937)

t,4u225 8,rt3,916

I3
#S}I-H
NgCr hing TMCP Sli Gdn -Hi Noi

23. ChriDg khoin kinh doaDh

30t09/2017 3l/L2n0t6
TriSu ding
Chtag khodn Nq 416,000
- Chfng kho6n Ng do cec TCKT trong nuqc
446,000
phet hanh

Chtng khodn Vdn 60,858

- Chri,ng kho6n V5n do ciic I CKT trong nud,c
60,858 65,383
pher hdnh

D( phbng gidn gii chtng *hodn *inh 3,8E1 21,183

doonh

502,911 40,E99

24. G6p v6n, iliu tu dli h4o

30t09t2011 3v t2D0t6

Ddu ru veo cong ty con

C6c khoAn diu tudai hen klec 242,251 229,393

Du phdn8 giam giidiu rudei han (r3,238) (6,444)

229,01t 222,919

l4
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 f'_SHB
Ng6n hirg TMCP Sli cdn -Hi Noi

26. TAi sin c5 itinh v6 hinh :

- Ttrtrg, giim tii siD c6 Oi"h v6 tint t<y n,ly:

Quyan sn dl|ne Phin min vi Tni san c6 dinh

c0nc
d6r tinh v6 hltrh kh{c
NguyAD si{
s6 dudiu ky 3,47EJao 207,E4E 40,1ta !,726,916
s6 tIng lmng ki &847 7,E65 6 t6,7rt
J
8,817
56 gidD rrors ki
Thahh li, nht(rrg htik

s6 du cu6i ki !,147,727 2! 5,71J 40,194 3,7,11,614

Gi{ tri hro mdn luy kd
s6 du dau ki 5.647 l@,114 22,515 I tE,9r0
s6 tens tro.8 k, ut 20,24t 4,t6t 2.1,561
3
t t; 20 278 21.553
56 sinn trong ky
Thonh li. ahtanA blin
1
s6 du cu5i ki 5,765 tEt.029 26,616 2t3,470
GiI tricdtr hi
Tfi deiy dlu ki 3,{?1,231 47,100 t7,67a
T€ingny cu6i k, 1,48r,962 3a,684 l3,5lE 3"5roJ3a i
- Titrg, giim tii sin c6 dlnh hinh ky trrnic :
"6

Khodn mVc Quv6n sn d'ld1i

Phin mam vitrnh
Tii sin c6 dinh
c0ng
v6 hlnh kh6c
Nguyan gi{
s6 dudAu nlm 3$29,594 Iu,42{ 35,493 3,84t,5n
5 356 2t,668 1,695 31,7 t9
- Tdng do sdpnhAp YYF 2.756 2,756
- Ihanh Ii, nh&,ns bdh (rs6.032) (r56,032)
(38) (38)
s6 aucu6i nem 3,47t,tm 3,126,916
Gi6lri hao mdn luy k6
56 ou aiu nlm 5,.t89 t30,729 17,045 r 53261
- Khiu hao rrong ndn 158 28,3 t0 5 181 33,919
- TnnE do sdp nhdp YYF 1,709 1,709
- RiAn d6ng khttc
s6 au cu6t nlrn 160,748 ---Z5rs rs&e-iT'
Gi6 tri cdn lti
Tei ngiy itlu ntm 3,62{,t05 52,69s | &448 3,69sr48
Tai ngAy cuSi Drm 3,473233 47,I00 17,673 3,538,006

t7
+asr-rE
Nsin hAng TMCP SAi Cdn - Hi Noi

27. Tii sin C6 kh{c

30109n0t1 tu t2t20t6

Cec khodn lei, phi phei thu 9,226,879 't,815.554

C6c khoan phai thu 2,074,364 r,705,468
Du phdng n:ri ro cho c6c tai sen C6 khAc (228,200) (2t2,446\
Tei san C6 khdc '7,651,186 6,119,515
t8,724,429 r6,08t,t51

28. Tiin, vdng grii vi vay cria c6c t6 chri'c tin d+ng kh6c

- I rcn, vxog gtn cua crc 16 chrir tin d.trg khic

30t09t20t1 3Ut2n0t6
t ftcu etonP
Tiln, vdng glri *hing hj) hed re0?&60j- I I,890,660
- Bing VND r8,076,07t 1r,834,2E5
- Bing vlng vd ngoar te 2.53 t 56,315
TiAn, vdhg giri cd kj) hgn 7,804,881
I
I1,108,597 i
- Bing VND 7,020.000 9.216,500
- Bing veng va ngoai tC 784,t84 2,t72,091 ?

r ong 25,E83,486 232992s7 {

- Tiin, virng vay cic t6 ch[rc titr dgng khic

30t09t2011 3ut2l20t6

. Bing VND 5.635.658 8,920,878

- Bing vang va ngoai tC 6,41i t,0t9,291

rong 5,642,071 10,0t0,t75

T6ng ti6n, vAng grii vA vay cic t6 chirc tin

31,525,557 33J09,,132
dr;ng khric

l8
T'SH-B
Ngen htng TMCP Sli Gdn -Ht Noi

29. TiCn grli cria kh6ch hdng:

3U09n0t1 3t/t2/2015

Tian, vAng tfi kh6ng

hBr ki 16,853,tr7 19,060,924
- Tidn gui kh6ng k! hqn bang VND r5,6n,047 17,487,50t
.Tian gui kh6ng ki han bing veng, ngo4i t{ 1.242,710 1.5t3,423
Tian, vnng gni c6 ky hfn t75,447,088 146,322,541
- Tiin gui c6 ki han bing VND 't61.742,200 82,52a,616
- Ti€n gfi c6 kj han bang vang, ngoaite t3,704,888 t3,793,905
Titn gri,i v6n chuy€n ding 223 21)89
Tian gii kY qu, 816,763 1,168J23

193,t11,891 166,516211

30. V6n tdi trq, iy thdc dAu tu, cho voy TCTD chlu rti ro

30t09/2017 3Ut2/20t6
TriAu ding
V6n nh6n tii tro Uy thric diu tu, cho vay bing
r,805,393 808.887
VND

Vdn nhan rii tro Uy thdc diu tu. cho vay bing
vd,ng, ngoei te

2,12!3tE E08,E87

31. PhCt hinh gi6y td c6 gi6 th6trg thulns

3U09n017 3t/12t2016
tfteu aon? Ift!u donP

Menh gie r6.461,000 13,769,319

Chi6r kh6u (4ee) (2.416)

Phu troi 654 '7 t3

t5,451,155 13,161,575

l9
I[S.H.P
Ngtn hlng TMCP Sti Gdn - Hn Noi

32. Cfc khoin nq khdc

30n9DOt1 tut2t20t6

CAc khoan phai tra noi b0 12,163 I t,664

Cdc khoan phii tri En ngoei 4@,259 444,995

Thuii TNDN hoan lai phai rrd 138

112560 176,659

20
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Ng6n hang TMCP SAi Cdn - Hn Noi

34. Thu nhap l5i vt c{c khoin thu ohap tustrg tl,

TL 0U0l20t 7 d6h Tir 0l/0t/2016 d6r

30t09D011 30/09t2016
l rreu aong Tri6u ding
Thu lai lian gui 219,311 452,153
Thu lei tian vay I0.481,388 8,51 1,94t

Thu liitnkinh doanh, ddu tu chrtng khoAn Ng 82t,452 579,80t

Thu khec tt hoet dong t in dung 139,74t 40 t.284
Thu khac tu hoat dong bao lanh 96,759 42,061

12,418,651 9,9t1,446

35. Chi phi lei vl cic khoitr chi phi tudtrg tg

Tn 0l/01/2017 d6n Tn 0l/0U2016 ilir

30/09n017 30t09t2016

Tri(u ding TriQu ding

Tra lai tian gui (8.389,436) (6,850.439)

Trd lai tian vay (18r,244) (214,E74)

Tre lai ph& hanh gi6y td c6 gi6 (809,343) (486,320)

Tre lei dan thuC tAi chinh (1,415)

Chi phi hoat d6ng tin dung kiec (16,06r) (s7,s38)

(9,s96,0M) (7,612,586)

22
;AS.T-IE
NgOn hAng TMCP Sii Cdn HiNoi

36. Lei/ 16 thuln tli hoet dong dich vg:

Tn 0l/01/2017 d6n Tr)r 0l/01/20t6 d6tr
3U09n011 30t09Dot6
I fteu aong I rr(u along
Thu ph{dich vu t,074,060 209J91
- Hoat dong thanh toan 140,808 147,878
- Ho?t dong ngan qui t2.990 I t,957
- Dich vu dai li 2.643 2,201
- Thu phidich w kh6c 9 t'7,6t9 47,355
Chi phl dich vg llon quan (18,653) (63,7 r 9)
. Hoat dong thanh toan (r7.489) (1s,447)
. Hoat dong ngan quY (9.748) (7,890)
. Chi phi dich vu khAc (2r,4 t6) (40,382)
LtY 6 thuir tfi hoqt dong dich v't 1,025,407 145,672

37. Chi phi ho?t ilong

Tn 0l/01/2017 d6n Tir 0l/01/2016 it6n

30fi9t2011 30t09t2016
I neu dong I n(u aong
Chi nQp thu6 vd c6c khoen phi, le phi ( r9,34s) (22,32E)
Chi phi cho nhan viCn (r,0?9,903) (973,u6)
Chi va tdi sen (305,r63) (219,38 r)
Chi cho hoat dong quan lY c6ng vu (289.543) (274,206)
Chi nQp phi briro hidm, b6o ddm tiin gui
( 104,318) (E9,3r3)
cia kh6ch hdng
Chi phi d\r phdng (kh6ng tinh chi phi dlr
phdng nii ro tin dpng noi vi ngoqi bing; (24,t07\ (21,357)
du phdng giim gi6 chfig khoAn)
(1,823,079) (1,672,401)

23
,'-S.I{B
Ngin hlng TMCP Sli Gdn HlNoi

3t. Tiin vi c6c khoin tuong duong ti6n

J0t09t2017 3,/t2n0t6

Tidn mft vd c6c khodn tuong rtunng tidn tai 1,265,84 | 1,291,694
Tidn grii tai Ng6n hdng Nhi nudc 4,525.720 2.1tt,751
Tien grii lai TCTD khec kh6ng ki,han t8,t04,8t4 t2,320,394
Tian g'ii tai c6c td chfc tin dung khdc
4,958,3 t3 t0,01 t,302
thdi gian ddo han duoi I th6n8
28,t54,6tt 26,342,141

39. Logi hinh vi gi6 tri tii sin th6 chiip crie khich hing
Ci6 tris6 s6ch Gi, tri t?i thdi ifi6m Ep bdo cro
30t09t2017 JU t2l20t6 30n9nol1 J t2t20t6
Bar dong sen r76.104.123 t 42,24t,311 176.404,t23 t42,241 .3',7 I
Dong sen 19.871.998 11,863,20t 19.E74,998 4r,863.201
Chung rirc6 gia 21.E61.661 r8.131.934 2t,867,661 rt,131.934
Tai san khec 112.612.570 n1.182.49A 2t2.612,5',70 t 74,1E2.498
150,759J58 377219.004 4s0,7s9Js8 377 2t9,004

40. Nghia vg nq ti6m 6n vi c6c cam k6t atua ra

Trong qud trinh hoat dong kinh doanh. NgAn hing thuc hi6n c6c c6ng cU tai chinh li6n quan
d6n c6c khoin muc ngoei bang c6n d6i kC ro6n. Cec c(-)ng cu tdi chinh ney chu y6u bao g6m cdc
cam k6t bdo l6nh va thu tin dqng. Cac c6ng cu ndy o[ng tao ra nhing rii ro rin dung cho Ngan
heng ngoai cric rii ro tin dung de duoc ghi nhan trong n6r beng.

Rui ro tin dung cua c6c c6ng cU rdi chinh ngoai bdng duoc dinh nghia ld kha ning mang den nir
ro tin dun8 cho Ngan hdng khi or()t trong cac btn lien quan den (ong cu Gi chrnh d6 kh6ng thqc
hiQn c6c diiu khoin cria hgp diing.

Bao lanh lai chinh Li cdc cam kit cr'r diEu ki6n ma Ngan hing cap cho lhach hang d6 giao dich
voi mdt ben thu ba trong c6c hoat d6ng vi bao lanh ra] v6n, bdo Innh thanh rodn, beo lanh thuc
hi6n hqp daing ve bao lenh du thiu. Rni ro lin dung IiCn quan d6n vi6c c6p bdo ldnh vi co bin
gr6ng rui ro cho vali khach hdng.

Giao dich thu tin dung thuong mai tre ngay le loai giao dich trong d6 Ngan hing cung cip tii
chinh cho kh6ch hdng cua minh. rh6ng rhuong la nguor mua/nha nh5p khiu hing hori vd b€n thu
huong Ii
nguoi b6n/nhi xu6t khiu. Rui ro rin dung lrong thu rin dqng tra ngay thuong rhip do
hang hoe nhap khdu duoc dirng d6 thi! chip cho Ioai giao drch nAy.
p-s-trB
Ng6n hang TMCPSti Gdn - Ht Noi

huong ld ngudi b6nlnhA xu6t khau. Rui ro tin dung trong rhu tin dung tra ngay thuong rhip do
hAng ho6 nh5p khiu duoc dr)ng di.i th6 chip cho loei giao dich nAy.

Ciao dich thu tin dung rre chAm se phet sinh rui ro khi hoD ding da dugc thlrc hien ma khiich
heng kh6ng thanh toSn cho ben thu huong. Cdc thu tin dung rre cham kh6ng duqc kh6ch hang
thanh to6n duqc Ngan heng ghi nhan le khoen cho vay bir budc ve c6ng ng tuong nng the hien
nghia vV Ui chinh cria Ng6n hing phai thanh toiin cho Mn thu huong va thqc hiQn nghia vp cria
Ngan hang trong viec bao lanh cho khech hang.

Ngan hdng thudng y6u ciu khich heng ki quy di dem bio cho cdc cong cu rai chinh c6 lien
quan ddn tin dqng khi cin thi6r. Cid tri ki qui dao d6ng ru 0oo ddn l0oob gie tri cam ker duqc cap.
tuy thuoc veo mfc d6 rin cay cia kh6ch hang do Ngan hdnS denh gi6.

Chi ti6t c6c khoen c6ng nq tidm in vi cam k6r ngoai banB veo ngay l0 th6ng 09 nem 2017
nhu sau:

30to9n0t7 3ut2n0rc
tfteu aong tneu dong
Bio lSnh vsy v6n lE0J90 176,413
cam k6r riro dich h6i do6i 39,71O219 2O25a2O7.
Conk nua nAoqi rc 2,067,240
Cdn kA bdn nsoqi t 224,700
Cam ka siao dich hotin.16i 37,418,339- 20.258,201
Can kit g)ao dlch ttongtoi
Can kA cho vdy th6ng hny nsong
Cam k6i trons nEhi€p vu UC t2,025.970 I0,670,S1;
Beo Lanh kh{c tE,673,287 t2,407,598
C{c csm k6t kh6c
70,589,926 41,983,689

41. Giao dich vrii cric b€n liar quan

Ciao dich vdi c6c ben li6n quan le c6c giao dich duoc rhuc hi6n v6i cec ben c6 liCn quan vdi
Ngan heng. C6c bCn dugc coi ld li€n quan n6u rn6t b€n c6 khd neng ki6m so6t hoic c6 dnh huong
deng k6 d6i voi ben kia trong viQc ra quyir dinh d6i voi cdc chinh sdch rii chinh vA hoat dong. M6t
b€n dugc coi la bCn c6 liCn quan vdi Ngdn hing n6u:
(a) Tr\rc tiip hoac gien ri6p qua m6l ha) nhiau ben lrung gian. b6n nay:

> ki6m so6t hotrc bi kiem soet hoAc chiu su kiim so6r chung boi Ngdn hdng (bao gdm
cac cdng ty me, c6ng ty con);
c6 v6n gop vdo Ngdn hdng vd do d6 c6 dnh huong d6ng kri rdi Ng6n hdng;
'
c6 quyin ddng ki6m sodt Ng6n hAng;
'
(b) B€n liCn quan la c6ng ry lien doanh, ti6n k6t ma Ngan hAng ld m6t b6n li€n doanh, li€n k6t;

(c) BCn li6n quan c6 thanh vi€n le nhen su chinh trong Ban Tdng Gi6m d6c crla Ngdn hdng
ho6c c6ng ty me cua Ngan hang;
ps_H_E
Ngen hAng TMCP StiCdn - Hi Noi

(d) Ben li6h quan la thanh vi€n mat thi6t trong gia dinh cua b6t ki c6 nhAn ndo de n€u rrong
tlirim (a) ho6c (c):

(e) Ben ti€n quan li mQt t6 chuc tryc tiip hoac girin ti€p chiu su kiCm sodr. d6ng ki6m so6t
hoic chiu anh huong ddng k6. hoac c6 quydn bieu qu)at boi bil ki cd nhan ndo duoc di cdp ddn
trong di6m (c) honc (d).

T6m tit giao dich ldn voi crc bCn lien quan trong Qui 3 nem 2017

Phdi thu Phni 0d

tftfu at ng TriQu ilins
I1,979
Tidn grii c6 ki hqn 1,298.576
Diu M veo crc bCn li6n quan 84,106
Lai phai thu nI cho vay, UTDT, diu tu trli phidr: 266,9s8
von gop cua cac Den l,en quan r,r9t,99r
Phai ka l5i tian gti t9,292
151,664 2,52r,838

26
r!'srr-B
Ngin heng TMCP Sni Cdn - Ht Noi

42, Chinh sAcb quin ly rii ro li6n quan it5n cic c6trg cg tdi chinh

Mpc ti€u cta Ngen hang ld tiii da h6a gie tri diu nr cr)a c6 d6ng, git viing t5c d6 ttrng truong
lqi nhu6n va tinh hinh tdi chinh lenh manh. Do vay, vi€c st dung ciic c6ng cu tdi chinh. bao gdm
nhin tiin grii cua kh6ch hdng va diu tu vio cdc tai sjn di chinh co chet lugng cao da lro thenh
hoet d6ng mang tinh then ch5t gitip Ngan hdng dat duoc mic chenh lech lai su6t cin thi6t. Xer tn
khia cqnh qudn lj rni ro. ditu ndy ddi hoi Ngan hang kdr hqp mQt cech cen d6i giria c6c cam k6t
ngoei bang (nhu bao lanh va thu tin dung) voi c6c khoen cho vay (bing ddng n6i t€ cing nhu
ngoai tC) d5i voi clic ca nhan vir td cht'c thuoc c6c muc dQ tin cAy kh6c nhau. BCn canh d6, Ng6n
hdng cing diu nr m6t phin v5n luu d6ng vio ciic chring kho6n diu tu hay cho c6c ngan hang kh6c
vay. NhiiTg rui ro li6n quan d6n trao al6r ngoar t€ vd thay ddi tai suit dugc quen lli thdng qua 6p

dung hen mfc tBng th6i nhim hqn ch6 sg $p trung quri mrlc dong thsi tham gia veo c6c hoat dong
c6 t6c dpng cdn bing l6n nhau tl€ ginm thidu nii ro. Ih6ng qua vi6c nim giii nhiiu tei sen ld c6c

c6ng cu lei chinh c6 chdt lugng cao, co ciu bang can d6i k6 to6n hqp nh;r cua Ngan hang c6 dt
kha nang phdng ngria rii ro trgng yiiu trong qu6 trinh hoat ttong kinh doanh ve dam bao kha neng
thanh khoen. ThCm veo d6, Ngan hang cing lham gia vdo nhieu giao djch phong ngua rui ro li6n
quan d6n c6c c6ng cu tai chinh nhu cec cam k6t hodn doi ngoai ti cho muc dich quen ly rui ro lai l
suAt.

Trong qu6 trinh quen li rui ro tin dung. Ngan heng da sar dung co hieu qud Cim nang Tin dung
trong d6 ghi chi ti6t c6c chinh siich va thi tuc cho vay cong nhu c6c huong din thqc hi€n dd chuin

h6a cdc ho?l dong tin dung cia Ngen hang. Rii ro thanh khoan dugc hqn ch€ thdng qua viic nim
gio m6J s6 luqng lon tian mit vi c6c khoin tuong duong tiin duoi dgng tai khoan Nostro, c6c
khoin riin gni c6 kj h?n tai \grin hdng Nhd nuoc va cdc 16 chtc rin dpng kh6c \d cic gia) ro c6
gid. C6c ti l€ an toi'n c6 tinh din y6u t6 rni ro cting dugc sri dung d6 quin li nii ro thanh khoan.

Ng6n hing thudng ti6n hanh d6nh gi6 ch€nh lCch lai suit. so sdnh voicdc thi truong trong nudc vA
quijc tii d,i c6 nhnng di6u chinh kip thdi. Th6m vAo d6, vi€c 5p dung cac quy trinh quan li rui ro
noi bO cing trd n€n hiCu que hon nho viCc trian khai H€ thSng Quah lj V6n Tdp trung vi He th6ng
Thanh lo6n Tap trung. lheo d6 toan bg cdc giao dich v6n re thanh torin cua \gin hing dtu do H6i
so chinh thgc hi€n. ViCc do cho phip Ngan hing gidm ser hifu qu5 hon cdc bi6n d6i vi r6n vd

giim cric sai s6t c6 th€ xay ra c[ng nhu nhDng thu luc phfc lap khong cin lhiet.

43. Rii ro lin dgng

Rrli ro tin dung ld kha ndng thit trong hoat dOng ngen hing cia 16 chtc tin dung do
xiy ra t6n
kh6ch hang kh6ng thuc hiQn hofc kh6ng c6 khd nang thuc hien nghia vu cia minh rheo cam kir.
21
,r-s-HP
Ngin hnrg TMCP SAi Cdn - Hi Noi

Ngtu hing kitirn soAt vA quan lj rr-ri ro tin dpng bing cdch thi6t lap han m['c thanh toan tuong
[rng vdi mric tlg rrii ro mi ng6n hring c6 thd ch6p nhAn duqc d5i vdi m6i khech hdng va doi voi m6i
linh vuc dia ly, n8dnh ngha.

Ngan hdng da thi6t lap quy trinh soar rer chil luong rin dung cho phip dg b6o sqrn nhtng
thay d6i va linh hinh rei chinh. kie nang rrA ng cia cdc bCn ddi r6c dga tren cac y6u t6 dlnh rinh.
dinh lugng. Han mric tin dUnS voi m5i kh6ch hdng dugc thi6t lap th6ng qria viCc st dlng he
da5i

th5ng xdp hang tin dgng, trong d6 m5i kh6ch heng duoc xCp loai o mol mrrc dQ rui ro. Muc d0
rui ro nay c6 th6 alugc srja d6i, cap nhat thuong xuy6n.

44. Rii ro th! trudtrg

41.1. Rii ro ldi sudt

Thdi han dlnh lai lai su6t thuc t6 le thoi han cdn lai tinh ru thoi diem lap bdo c6o tdi chinh
cho toi ki dinh lai lai su;l gan nhil cua c6c khoan muc rai sin ri ngu6n v6n.

C6c gi6 dinh vd diiu kien sau dugc 6p dqng trong phan tich thdi han dinh lai lai suit thLrc rd
cria cac tai siin vA c6ng ng cia Ngan hang:

' liAnm6r.vAngbacddqu!:g6prdnd6urudei hanvAcaclai sin c6 khdc (bao g6m tdi

sdn cd dinh. bir dOng srin diu ru vi tii san co khac. rrir ty thdc deu lu) dugc xEp logi
kioen muc kh6ng bi anh huong do dinh lai lai suilr

> Tidn gni tai Ng6n hAng Nha nudc ViCt Nam dugc x6p loai tiin grri thanh to6n do d6 ki
han dinh lei laisuil thqc t€ duoc x6p IoaidEn m6r rhiing:

> Thoi han dinh l?i lei suit thqc tE cua chung khodn diu tu va ching kho6n kinh doanh
dugc tinh dqa tr€n thdi gian d6o han rhuc t6 tai thoi diam lip b6o c6o tii chinh cua
trmg loai chung khoen;

> Thdi han dinh lai lei sudt thuc t6 cia cric kiodn tiin gr.rr vd cho vay c6c TCTD; cdc
khodn cho vay khdch hdng; cac khoan no chinh phri ve Ngin hing Nhe nrrda Vi€t
Nam; cec khodn tian gui va vay c6c T6 chtc tin dung vd khoan muc tidn gui cua kh6ch
hdng duoc xac dinh nhv sau:

C5c khoan muc c6 lai su6t c5 dinh trong su6t thdi gian cta hqp d6ng: Thoi han dinh lai lai
suit thuc t6 dga tr€n thoi gian diio han thuc t6 tinh ru rhdi di6m l6p bao c6o tei chinh.

C{c khoan muc c6 lai suat the n6i: Thor h?n dinh lar ldi sudr thqc t6 cria c6c hgp ddng cho
vay c6 thdi gian deo han cdn l?i duoi 6 thdng dugc xiic dinh dua trCn rhoi gian ddo hen cdn lai;
cAc hqp ddng c6 thdi gian d6o hqn cdn lai tren 6 th6ng dugc x6p vio loai ru 3 th6ng dEn 6 rhdng
do kj, dinh lai lar suAr c[a Ngan hdng t6i da le 6 theng m6r tan.

28
p-_s-tr_P
Ngen hlng TMCP SAi Cdn - HA Noi

> Thdi han dinh lqi ldi suAt thlrc td cia khodn muc ngr.rdn v5n di tro ui thrc dAu tu, cho
vay md t6 chfc tin dung chiu rui ro duo. c tinh dua rrCn rhoi gian diio han cdn lai cia
timg hqp ddng;

> Thoi han dinh lai lai suat crla cZLc khoen no khdc duoc xep vao klrodn muc khdng bl
anh huong do dinh lai l6i suir hoic ki h?n ti I theng dCn 3 rhang. Trong thgc ri, c6c
kioan muc na) co rhe c6lhoi gian dinh lai lZi suir khdc nhau

29
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Ngin hlng TMCP Sli Cdn - Ht Noi

11.2. Rii ro tiin G

Rrii ro tidn tQ ld rui ro ma gi6 tri cria cdc c6ng cu di chinh bi thay d6i xuir ph6t tir nhiing
thay d6i va bi gi6.

Ngen heng dugc thenh lap vd hoer dong tai viEt Nam voi dong tidn bdo cdo Ii VND. D6ng
tian giao dich chinh cua Ngan hang c0ng ld vND- Cdc khoan cho vay ve ung tnroc khech hing
cia Ngan hang chrl 1iu bing VND. mgr phin bing USD vi EUR. Tuy nhi€n. mot s6 tei san

khac cua Ngan hing l4i bing c6c ddng tian khdc ngodi VND, USD vd EUR. Ngan hang da dua
m mQt hE th6ng h4n muc dd quan li trang lhai cua cdc ddng tiin. Ir4ng lh6i dang ti€n dugc
quan li fiCn co so hAng ngiy vd chi6n luo. c phdng ngira rui ro dnoJ Ngan hang str dung d6 ddm
beo rang rrang th6i cia ciic dong tidn duo.c duy tri trong han mtrc da thiet lap.

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11.3. Rii ro lhonh khodn

Rrii ro thanh khoan la rui ro Ngen hang g+p kh6 khbn trong viec thqc hien nhung nghia
vu cho cac cong ng tai chinh. Rti ro thanh khoan ph6t sinh khi Ngan hang c6 the kh6ng di kha
nang thuc hien nghia v! tr6 ng khi nhilng c6ng nq nAy d6n han o nhnng thoi diim binh thuong
ho{c kh6 khdn. Di girim thiiiu nii ro thanh khoan, ngan.heng phdi huy d6ng tir nhiiu ngudn da
dang khec ngoai ngu6n vdn co bdn cia ngan hing. D6ng thoi ngan heng can c6 chinh s.ich
quin lj tii sdn c6 tinh thanh khoen linh hoqt, theo ddi ddng liCn tuc,ng lai va tinh thanh khoan
hdng ngay. Ngan hdng cing cdn drinh giri ddng ti6n du kiCn va kha nang san c6 cua tii s6n d:rm
beo hien tei tronS truong hgp can huy dong thCm ngu6n v6n

Thoi gian ddo han cria c6c lai sen vA c6ng nq tha hiCn lhoi gian cdn lai cria lai san vA c6ng
no tinh tu ngey lip brio c6o tii chinh d6n kii lhanh loen rheo qu) dinh trong hqp ddng hoic
trong di€u khodn ph6t hrinh.

C6c gid tllnh vi didu kign sau dugc 6p dung trong phen tich lhoi gian d6n hen cia c6c tai
sdn vii c6ng ng cua Ng6n hdng:

> Tidn gui t4i Ng6n hdng Nha nuoc vi9t Nam duoc x6p loai tian grii thanh loiin, trong d6
bao g6m.ti6n gni du tr& bIt buoc. 56 du cua tiCn gui du trt bat buqc phu thuoc vao
thanh phan vd kj'han cria c6c khoan ticn gui khach heng cua Ngan hdng;
> Thoi gian tl6o h4n cria chrhg khodn diu tu dugc tinh dva n€n ngiy d6o h4n cua tung
loqichrrng kho6n;
> Chung khodn kinh doanh dugc x6p vdo loai kj,h4n ddn I th6ng:
> Thoi gian d6n han cria c6c khoin tiin gui vi cho va1 ciic TCTD va cac khodn cho vay
kh6ch hing duoJ rdc dinh dua viro ngiry d6n han cua hqp d6ng quy dinh. Thoi gian dCn
han thvc tC c6 thC thay d6i do cac khe uoc cho vay duoJ gia hen. Ngoiri ra, c6c khoiin
cho vay kh6ch hing duqc lhc hien beng gia tri goc kh6ng bao gdm dy phdng nri rol
> Thoi gian d6n han cua cdc khoiin dau tu g6p v6n mua cd phin duoc coi le hon mot n6m
do ciic khoen deu tu nay khdng c6 thoi gian d6o hen xiic dinh;
> C6c khoin tidn gui, tiin vay cria c6c to chuc tin dqng va cac kho6n ti6n gLii cua kh6ch
hdng duqc x6c dinh dua vao tinh chat cia cec khoan niy ho4c thdi gian dao han tren
hoo d6ng. Tdi khoan Vostro va ti€n gti thanh toiin duqc thuc hien giao dich theo yeu
ciu cria ihdctr hdng. va do do duqc rdp loai kh6ng kj, han. Thoi.Bian ddo hqn d5i vdi
cdc kho6n vay vi ti6n gui ki han duqc xec dinh dua tren ngiy ilen han theo hgp d6ng.
Trong thuc te, c6c khodn ney c6 th€ duo. c quay vdng ve do d6 duy tri trong thdi gian
dei hon thoi gian dao han ban tl6u;
> Thoi gian ddn han cua tdi sdn c6 dlnh duqc x6c dinh dua vdo thdi gian su dqng hiu ich
cdn lai cia tai sen.

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4s. Tt cri MOT s6 LoAr NGo^r rD vAo THdr DrtM cu6t euf
30tw|20t7 3U t2D0t6
VND
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JPY 202 t95
SGD 16,733 t5,7 t1
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CAD 18,211 t6,943
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Hd Ni| ngayJ/ thdng.tondm 2017

Lip bi6u ri rcan trvtncVi4..

D6 Thinh Phuvng *:

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