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I Ti&. v&t An iar cr. TCTD kh{. El 21,566,149 22,077,644
2 Cho uy c{c TCTD khl. t12 2,r48,000 6,911,000
3 Dv phdng n)i b i,an gu vn tidl voy cac TCTD khlc 139 (s,I]7)
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I Tri sh c6 dinh b0! hhn 22) 24 t49,140 192,592
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2 Tdi sdn di diE! due iAi cbinn 224
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226
I Tii s& di dirn '6 bion 221 25 1,529,4t1 1,534,711
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b H@ tuitn TSCD v6 hinh 229 (191,861 (r69,80'
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b H@hdn BDSDT 241
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I Tli sao 6ua TNDN Lorn t 251
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5 CAc khoio dv phdng nli m cho c.6c r& sai CO noi bdn8 khec 259 unt,ur\ ,,or,r],
T6NG Tir s,iN cd 300 264,201,445 233,t50,531
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2 Vay .dc TCTD tlr. 722 5,642,011 r0,010,175
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I ltu nhl, i'! hofl lhn8 dicl yu nIF duvc 0l 951214 121,809

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06 r6,t?6 53,6E?

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vl hofl dong quin 07 (1,637,314) 0,566,586)
8 Tian lhua thu nhdp ihuc nop Eong k, (') 08 (lt4,E9o) 0r6,997)
Ld .huyai dl! tb ! tt hoat r0!g tilh dolt E!{r ot!4 09 1130,201 (r59J29)
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lO GergyciaE c{. kno,r va kin! doEn chtDg bodn Il (3,43t,403) (1,065,189)

,r [TAng/Cdm ci. c6nt cv rar chhh phai sinh va ca. tAi rln lli 12 (19,06D

12 (Illgyoild cr. khorn cho v.y ttA.h hrlg 13 (29,155,10' 04,558,r99)

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15 T&d(G b) (& EEl,r nq Chidl phU ri NHNN l6 210,8,11 (3254
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I Mua sin Bi sdl d dinh 25 (36,4E6) (4.4,612)

2 Ti& thu trl' thuh lr, nlu@g bdr TSCD 26 l85,l0l 70l,4tl
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 I T,Is !6n c6 phar O 86p v6n vdAoic ph,r hbn d phi6! 35
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7 36
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11
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6 Tiln lnu dusc do bar cd phiAr ns!, qu9 ,{0
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:
THUYET MINHBAO CAO
TAI CHINH RIENG LE
Cho giai doan ti ngdy 01 thdng 0) ndm 2017
din ngay 30 tluing 09 ndm 20t7

,/'K-i'-
t.i/t,ie nt'l
i/ ' rrr116tr6 llt
-"- slt oll
'{. r\.
'\qG
 l[.S,HP
Ngen htng TMCP Sli cdn - HA Noi

THUYET MINH BAO CAO TAI CHiNH RIENG LE

QUf III NAM 2017

t. Th6ng tin vA ngAn hing

GiCy ph6p hoat tlQng 0041-NH/CP ngiy t3 th6ngllnEm t993

Ci6y phip hoar dQng do Ngiin hing Nhd nuoc ViCl Nam caD
Thoi han hoar d6ng cia Ngan hang ld 40 nam k€ ti ngril cip gidy phep
dau tien.

HQi d6ng Quin tri

6ng D5 Quang Hi6n Chi tich T6i b6 nhifm ngny 28 theng 04 nam 2Ot7
dng V6 Dfc Tiiin Ph6chritich Triib6nhifmngdy28th6ng04nam20tT
Ong Nguy6n Vdn LE Thdnh vi€n Trii b6 nhi€m ngdy 2t th6ng 04 n6m 20t7
6ng Trin Ngoc Linh Thinh vi6n T|ii b6 nhiQm nSay 28 rheng 04 nim 20t7
6ng Th6i Qu6c Minh Thanh vi6n doc lap 86 nhiCm ngay 2E th6ng 04 nam 2017
6ng D6 Quang Huy Thanh vi6n Tdi b6 nhiem ngey 28 th6ng 04 nem Z0l7
6ng Phan C6ng Dodn Thanh vi€n Bd nhi€m ngey 2E rhdng 04 nim 20t 7
Ban ki6m sorit

6ng Pharn Hda Binh Thinh vi€n Tri b6 nhiem n8dy 2E th6ng 04 n6m 20 t7
6ng NguyEn Hnu Dric Thdnh vi6n Tei b6 nhiem ngey 28 thring 04 nim 20 t7
Bri NguyEn Thi Hoat Thlnh vi6n T'ii b6 nhiemngAy 28 rh6ng04 nnn 2017
Bi L6 Thanh C6m ThAnh vi€n 86 nhiem ngdy 28 th6ng04 fim 2017
Bd Pham Thi Bich Hdng Thdnh viCn Bii nhiem ngey 28 rhen EO4 n6m 2Ot7

Ban T6ng Gir6m d6c vi Kd to6n rruong

6ng Nguy6n Vdn L€ I6ng Girim d6c Tdi b6 nhiCm ngay 2l lhen8 5 nAm Z0t4
Ong L€ Deng Khoa Pho [6ngCi6m doc Bonhiemnge) I0lheng4nam2OOs
6ng Nguy6n Huy Trii Ph6 T6ng Gidm di5c 86nhi€mngiy t8rh6ng02nerh20t3
Bd Ng6 Thu Hn Ph6 T6ng Girim d& 86 nhi6m ngAy t5 rhang 3 ndm 20t I
Bi Ninh Thi Lan Phuong Ph6 T6ng Ci6m d6c 86 nhi€m ngey 08 rheng 06 nem 20l2
Ba Ddng T6 Loan Ph6 Tdng Girim d6c Bd nhiQm ngiy 9 th6ng t0 nem 2012
Bn Ng6 Thi Van Kd toan trudng 86 nhiQm ngdy I I th6ng I I ntrm 20t4
Tru. sd chltrh 56 77 - Tran Hung Dao - Q.Hoin Ki6m - Tp.Ha N6i - ViCt Nam
 SSHB
Ngtn hiDg TMCP SAi Gdn - Hl Noi

2. D{c di6m hoat dong cia 16 chrtu tin dung

Ngan hdng Thuong mai Cii phAn Sii Cdn - He N6i (duoi it6y gai tir td..Ngan hdng,) te mot
ngan hdng thuong mei c6 phin ViCt Nam thdnh lap rai nuoc COng hda Xa h6i Chu nghia ViCt Nam
voi thdi gian hoar dong la 40 nlm theo 004t-NH/Gp ngay 13 thang ll nem 1993 cua Ngan hang
Nhd nudc Viet Nam.V6n diiu lC cua Ngan hang tai ngay 3O/09t2017 tn 11.t96.891 trrQu ddng
(Mudi mot nghin mot trtrm chin muoi sau ty rdm trem chin muoi m6t riCu d6ng).
H6i so chinh cria Ng.an heng dir rei 56 77 - Tran Hrmg Dao - e.Hoin Ki6m - Hd N6i - ViCr Nam.
Tai ngiy 30/09/2017 Ng6n hdng c6 5.457 nhdn vi6n (Diu nem 2017: 5.54t nhan viCn). Trong d6,
CN Ljo tich thinh c6ng ty con ngiy I5 theng 0t n6m 2016, CN Campuchia rich lhinh c6ng ry
con ngAy 09 th5ng 09 n5m 20t6.
3. T6m tit c6c chirh sAch k6 to{n chi y5u
ChuAE mu-c vi ch6 dO k6 rodn 6p dr;ng
Ngen hing trinh bdy cdc b6o c6o di chinh rheo Luat c6c T6 chic Tin dung, LuAr sta d6i va b6
sung mQt s6 tliiu trong Luat cac T6 chtc Tin dung, ciic chudn muc k6 to6n ViCt Nam ve H9 th6n8
Kd to6n c6c t6 chtc tin dung Viet Nam.
Ki bdo c{o vi iton vi fian te
Ki bro c6o cua Ngan hdng bit diu rn ngay 0 t/0 t/2017 vd kCr thtc v i,o ngity 3OtO9t2Ot1. Don
vi rian 4 sri dLlng trong ghi chdp kd to6n la ddng Vi6t Nam (vND). Tuy nhiCn, rheo quy dinh tai
Thdng tu 49I2014,/rT-NHNN ngdy 3l/1212014 cta Ngan hdng Nhd nu6c, c6c s6 li6u trCn Brio ceo
tei chinh duoc ldm trdn dan hang trieu vd trinh biiy theo don vi tri€u d6ng ViCt Nam.

4. NguyAn tiic ghi nhin cic nghiip vu bing ngoai re vir quy d6i

Theo th6ng k6 torin cua Ngen heng, rdt ce cec nghj€p !u phdt sinh cria Ngin hdng dugc hach
hQ
toan theo nguy€n t€. Tai thoi dr6m cu6i nam, rai san vd c6ng ng c6 ngu6n g6c ngoai re dugc quy
d6i sang VND theo ti gid quy dinh vao ngay lap bang can d6i k6 toen. C6c khoen thu nhdp vir chi
phi b;ng ngoai t9 cua Ngan hang dugc hech toan bing VND theo ti giri vio ngdy phet sinh rh6ng
qua giao dich mua ben ngoai rQ. Ch€nh l€ch g gie do d6nh gi6 tai cdc lai khoiin kinh
doanh ngoai t€
dvgc hach rodn vdo beo cro K6t que Hoar d6ng Kinh doanh va loi nhuan dd lai. Ch6nh I€ch ti giri
ph6t sinh do quy d6i cec tai san va c6ng ng kh6c bing ngoai re sang VND duoc xt lti vao
doanh s6
cta cec khoen muc tuong trng tr€n bdng c6n drii kd rodn vao ngey lap b5o cdo reichinh.
5. Chrimg khorin ttiu tu giir d6tr ngiy rt6o hen
Chung khoen nq git d6n ngdy diio han ld ciic chri,ng khorin c6 kj,han c6 dinh vd c6c khodn
thanh toen c6 dinh hobc c6 th6 xec dinh duor vi Ban T6ng Gi6m ttii c6 y dinh vi co kha neng git
d6n ngriy d6o h4n. Ngdn hdng dang ghi nhan c6c chfng khorn ndy theo gie g6c c6ng
lai du thu tri,
lei chd ph6n b6. Ci6 rri phu troi hoec chi6t kh6u (n6Lr c6) cing dugc phdn ,nh vao giri tri ghi
s6 cria
khoin dAu tu. Lai duoc du thu hoec phan bd lheo phuong ph6p duong rhing. Chung khoin
duoc
git d6n khi dlio han sC aruoc xem xit va kha ntrng giam gi6. Chtng kh;6n du; tap du phdng giem
gie khi gi6 tri thi rnrong nhd hon gi6 rri ghi so. Du phdng grdm grii drroc ghi
nhan vao bdo cdo k6t
qua hoat d6ng kinh doanh.
]'SHB
Ngin hlngTMCPSliGdn HA Noi

6. Chring khoin itlu tu sin sing tt6 bdn

Chri'ng kho6n diu tu sin sing d6 b6n la cac chrmg khoen duoc gii trong thdi gian kh6ng 6n
dinh tru6c, c6 thC dugc b6n d6 d5p fng nhu cau thanh khoan hoec d6 tng ph6 v6i truong hgp thay
d6i lai surt, ti gie, hoac gi6 tri chung kioen. Ngen heng dang ghi nh6n crc chung khoen nay lhco
gi6 giic cQng lai dg thu tri lai chd phan b6. Gi6 tri phv tr6i hoec chr6t khiu (niiu c6) cing dugc
phen enh vao giri tri ghi s6 cria khodn tliu tu. Lai duoc du lhu hoec phan bd rheo phuong phdp
duong thing. Cec chung khoan nAy duqc ddnh gie dinh ki theo gi6 tri thi truong ve dU phdng giam
giii tri sE dugc lap khi giii tri thitruong nho hcm gid tri ghi sd. Dv phdng gidm gii duoc ghi nhan
vio b6o cdo k6t qud hoel dong kinh doanh.

7. Chrtug khoin kitrh doanh

Chung kho6n kinh doanh ld chung khoan ban diu duoc mua vd nim gi& cho mqc dich kinh
doanh trong ngin han hoic n6u Ban T6ng Cidm d6c quydt dinh nhu vdy. Ngdn heng dang ghi nhan
c6c chfrg khodn nay theo gi6 g5c vio ngiry giao dich. Trong cec k] tidp theo, cec chring khoan li6p
tuc duqc ghi nhin theo gid g6c. Tuy nhiCn, gi6 tri thi truong cia cec chi,ng khodn vin duoc NgAn
hdng theo d6i da denh gi6 va kha ntrng gi,rm gie khi gi6 tri thi rruong thSp hdn gid g5c. Ngoai tru
truong hqp kh6ng tha xdc dinh gi6 tri thi truong mdr c6ch chac chan thi gi6 rri cua ching duoc tinh
dua tren nguyCn gi6 sau khi trir di t6n thdt u6c tinh (n6u c6). Lai hoic 15 tir kinh doanh chring
khoen duoc ghi nhen tren b6o c6o kEt qud hoqt dQng kinh doanh theo s6 thuin.

8. Cdc khoir cho vay vir ri4rg trufc Lhich hitrg

Cdc khodn cho vay va ing trudc kidch hang dugc c6ng bd ve rrinh bi) rheo s6 du ng g5c tAi
thoi diiim cu6i ky kii toan.

9. DF phdng rrii ro tin d{ng

C6c khodn cho vay khach hing duoc phan toai rheo Th6ng ru s6 02/20t3fm-NHNN ngey 2l
thang 0l nem 2013 vd Th6ng ru s6 09/20I4/m-NHNN ngay tE th6ng 03 n5m 2014 cria Ng6n hing
nhd nu6c vi
vi€c ph6n loai no, trich lap va str dung du phdng dd xri lj nii ro tin dgng trong hoat
d6ng ngen hang cia t6 ch['c lin dung vdi c6c mtc dO rii ro nhu sau: No dt tieu chuan, No can chi

i, No dudi li6u chuin, No nShi ngo va No cd kh6 ndng m6r v5n dua vao tinh lrang qu6 han va cec
)iu t6 dinh luqng khdc cia khoan cho \ay.

Cdc khodn no dugc ph6n loai la No duoi li€u chuan. Ng nghi ngo va No c6 kia neng mil von
tlugc coi ld ng #u.
 I[S"tIB
Ngir hnng TMCP sli Gdr - HA Noi

- Dg phdng cg th6

Dg phdng cU thC dugc trich l6p trCn rui ro rin dung thuAn cua c6c khoan cho vay theo ti le
tuong &ng vdi timg nh6m nhu sau:

l\ lL ,tu ph, ! t l tli

Nqdi tiCu chuan oo/.

2 No c6n chn V 50/.

3 No dudi ti€u chuan 200/r

4 Ng nghi ngd 500/.

5 No c6 khd nang mdr v6n 1000/.

Rui ro tin dung thuan cta cec khoen cho vay khdch heng duoc tinh bing gi6 tri cdn lai cua c5c
khoen cho vay trir gi5 tri cia tii san dem beo di duoc chiiit kh6u theo ciic rg lC theo quy dinh trong
thong ru s6 02120l3rfT-NHNN, rh6ng tu so 09/20l4lm-NHNN
- D\r phdng chung
Ngen hang thuc hien trich lAp ve duy tri dg phdng chung bing 0.75% t6ng gi6 rri cac khoen ng
duqc phan loai li nh6m I d6n nh6m 4, trri cic khodn ridn grli t?i t6 chuc rin dung trong nuoc, chi
nhanh ngen heng nu6c ngoii tai Vier Nam theo quy dinh cia phep luet, tian grri tai t6 chic tin
dung nuoc ngoei ve c6c khoen cho vay, mua c6 ky han giiy to c6 gia d6i vdi t6 chuc tin dung, chi
nhenh ngan hang nu6c ngoei khac rai Vi6r Nam.

Du phdng nii ro tin dung tai Campuchia, Lao 6p dung theo quy dinh hien henh cua NHNN
Campuchia, Lio rrong ki bio c6o tuong ung.

10. Tdi sin c6 dinh

Tdi san c5 dinh alugc th6 hiCn rheo nguyen gi6 tri di khiu hao lny kd. Nguy€n gi6 bao gdm
toen b0 cdc chi phi ma Ngen hang phei bo ra de co duoc
lrii sdn c6 dinh linh din lhoi diim dLra tii
san d6 vdo trang thai sAn sang sn dung. Tdi san c6 dinh
duqc tinh khiu hao theo phuorg ph6p
duong thing dd rrir ddn nguyen gi6 di san trong su5t rhoi gian hiu dung udc tinh nhu sau:

- Nha cua, vAt ki6n tnic 25 nem

- MAy moc, rhii:r bi

03 - 05 ndm
 SHB
NgAn hlng TMCP Sni cdn - Hd Noi

- Phuong ti6n van tai 06 - I0 nAm

- Thi6t bi v6n phdng 03 - 07 nam

- Tai san c5 dinh hnu hinh kh6c 04 - 07 ntrm

- Phin mdm mdy tinh 03 - 08 ntrm

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

Quydn si dit duo.c kh6u hao theo phuong phiip <tuong thing phi hoD voi Ciiy chrlng
dgng
nhin quyin su dung d6t. Quydn su dung d6t v6 lhor han dugc 8hi nhan theo gi6 g6c vd kh6ng tinh
khdu hao.

I 1. Tidn vi cic Lhoin tudng duorg tian

Tian va cdc khodn tuong alucmg lian bao g6m tidn mit, veng, da qui, ti6n grii thanh to6n tai
NHNN, tin phitiu Chinh pht vd cric gi6y to c6 gi6 ngin han di didu ki€n chiiit kh6u vor NHNN, c6c
khoan tidn gti
thanh to6n vA tian gui, cho vay rai c5c 16 chtrc tin dung khec cd thoi han iliio han
kh6ng que 3 lheng k6 ti ngey gLii.

12. Cic c6ng cg tii chinh phii sinh

C5c c6ng cu tai chinh phei sinh dugc ghi nhan r€n bang can d6i k6 toen theo gid rri hgp dong
veo ngdy giao dich, ve sau d6 duoc ddnh gi6 lai theo giri ki hqp li. Loi nhuan hoec 16 khi cdc c6ng
cp trii chinh phrii sinh dugc thuc hi6n duoc ghi nh5n trong bdo cio kit qua hoar d6ng kinh doanh.
Loi nhuen hoac 16 chua thuc hien duoc ghi nhan vao khodn muc ch6nh l6ch d6nh giri laicric c6ng
cv Ai chinh phrii sinh tr€n beng can d5i k6 to6n vi ituoc k6t chuydn vio k6t qua hoat dong kinh
doanh vio thoi didm cudi ndm.

13. Ghi nhatr thu nhgp/chi phi Ei

Ngan hang ghi nhan thu nhap tir lai vd chi phi lai tr6n bdo c6o k6r que
hoat dong kinh doanh
tr6n co so du thu, du chi.

14, cti trhir thu hhap ri phi vA hoa hdng dich vu

Ngen hang lhu phi lrr cec dich ru cung cap cho lhich hang. Thu nhap tu phi c6 thd chia thenh
cac nh6m sau:

. phi tha ti
viec cung cdp dlch v! trong m\t thli gioa nhfu
dgah: phi thu tu viec
cung cdp dich vy trong m6t thoi gian nhit dinh duoc
du thu trong sudt rhoi gian <16. phi ndy
bao g6m phi qudn rj' phi nhdn iy thiic, hoa h6ng
va c6c phi r-rcn quan dd'n cip tin dung,
quan li tai san, phi quan li danh muc va
cac chj phi quin lli ctng nhu phi tu van
khac.
Irs-tr.B
Netn htng TMCP SAi Cdn - Hi Noi

. Phi lhu liviqc cung cdp dich v( gioo dri"r.'Phi ph6t sinh ri viec dem ph6n vd tham
gia dam phiin c6c giao dich cho m6t ben rhf
vi du nhu din xiip viQc mua c6 phin hoac
ba,
cac loai chrrng kho5n kh5c ho{c mua lar doanh nghiep, duoc ghi nhdn khi hoan tar giao
dich li6n quan. Phi hodc m6t phin cia khoen phi niy c6 li6n qr.ran d6n viec thuc hien mot
c6ng vifc nhdt dinh s€ dugc ghr nhan khi hoen 16r diAu ki€n ruong ung.
I[SHH
Ngin hln8 TMCP Sti Gdn - Ht Noi

15. Tian m{t, vlng b{c, di quy

30t09t2017 3 t2t20l6
Triiu dins
Tian mrt bing VND 934.069 764,948

Ti(in mlt bing ngoeitC 241,386 483,631

Kim loai quy, d.i qui 1,8 t8 1,331

t,119,273 1J,49,916

16. Tidn grii lgi Ngin hirg Nhi nlnir

30109n011 3| 1212016

Tiin gui rhanh to6, tei Ngan hang Nhe nu6c 2,585,957 I,tE0,377

2,5t5,957 I,tt0J7?

17. Tian, vitrg giri t?i cic t6 chtu tin d+rg li'idc

30109120t1 3Ut2t20t6
Ttiau dong

Tiin, fi,rg gni *hOng kj, hen It,066,719 r2,t35,786

- Bang VND r7,666.530 I1.706,475

- Bang ngopi t6, vang 400,219 429,3t I

Tiln, vdng gni cd kj h@ 3,600,000 9,917,t5t

- Bing vND 3,600,000 8. r65,13E
. Bing ngo?i tC, vang 1,772,720

Cho vsy 2,148,000 6,9t 1,000

- Bing \ND 2,t4E,000 6,91 1,000
DV phdng rni ro tidn grfi va cbo vey crc TCTD
khic (s,r37)

23,814,149 28,919,501
,,s._rlp
Ngtn hing TMCP Sni Gdn - Ht Noi

lt. Cdc c6ng cU tii chinh phdi sinh vi cAc tii sin tii chinh khic

T6nggtd r.icia hqp T6nE gid t.i Ehi s6 ki todn

d6ng (theo ty gi.; ngdr (theo ty gid tai nsdj ldp bdo cdo)
hiiu lqc hoD ding) @ieu dins)
tnt?u donE) TAi sdp Cing nq

T{i ng}y 30 lh6ng 09 nim 2017

CAng cq TC phdi sinh iAi G 20,E75,280 64,904
Ciao dich ki h?n tian tC 1,797,)4 | 72,373
Ciao dich hoan d6i k, han 19,078. t40 1,469

T{i ngiy 3l th6ng l2 nim 2016

COng c-u TC phdi sinh tiin tC r2,t 55,301 45,84J
Giao dich ki han tian rC 1.863,545 13,425
Giao dich hoen d6i ki han 10,29t.756 32,419

19. Cho vay khfch hlrg

30n9n017 3Vt2n0t6

Cho vay cdc d chric kinh t6, cii nhan rong nudc IE4.512,801 1i5.279,295

Cho vay chiel kh6u thuong phi6u va cac gidy tdc6 gid 7.232 6,669

Cdc khoan ra thay khach hdng 35.76t t40,442

Cho vay bing v6n tii trq tt c6c TCTC euoc t6 ( WB. J|CA...) t.401,486 1.397,71t

185,979,2t2 156,824,177
 t,$"HP
Ngtn htng TMCP Sni Cdn - Ht Nol

19.1, Phatr dch ch61 luqng rq cho vay

3U09n011 ll/t2nol6
rnau ding
Nq dn tiCu chudn r80,151,092 I5t,66E,984
Nq cdn cht ! 2,10E.148 2.206,346
Nq dudi ti€u chuan 452.1t5
Ng nghi ngd 1,064,01E 944,5 t3

Ng c6 khi nang m6r v6n 2,00r,309 t,151.002

185,919,282 156,424,111

Ty lC nq

30t09t20t1 3Ut2n0t6

Ti le nq qua han 3.13% 3.29%

ly rl no xau |.E90/o L880/.

19.2. Phin tich du nq lheo thM gian

30t09t2011 3tt2n0t6

Ng ng6n h4n 18,122,472 '72,59 t,516

Nq trung han 41,2'.79,251 35,636,l8r

Ng dei han 60,577,559 48,596,480

r85,979J82 156,U4,t71
l'$HB
Ngen hAng TMCP Sdi Gdn - HA Noi

19.3. PhAn tich du nq cho vry lheo d6i tuqng khdch hing vi lo4i htnh doonh nghiep

3U09n011 3Ur2not6
T.ieu (lins rriSu ding %
C6ng ry NhA nu6c E,4r5,625 4.53% '7,231,65t 4.6tyo

Cdnt ry TNHH Nha nu6c 11,723, t54 7 3E% t2,412,504 t.9t%

C6ng ty TNHH kh6c 29,690,5 15.96% 24.710.966 t5.80%

C6ng tyc6 phln v6n Md nuic 15,917,444 t.59% 15,t20,292 9.64%

C6ng ty c6 phin khdc 81,r24,EoE 43.620/0 64,E96,844 41.37%

C6ng ty hqp danh 9,146 0.00% 7,614 0.00%

Doanh nghiep tu nhan t,37t.561 0.14vo 1,565,104 1.00%

Doanh nghiQp co v6n ddu tu nu6c ngoii 30,466 0.02vo 59,215 0.04%

Hqp t6c xa ve li6n hiep hqp t6c xa ?q 5rq 0 04% u,345 0.04%

H6 kinh doanh, cA nhan 31,238,493 t7 E7% 28,916,111 18.440/"

Thdnh phin kinl te kha€ 2,3 r r,555 1 24% r,778,859 t.13%

1t5,979,282 100.00% 156,t24,177 100.00%

IO
I'SHB
Ngen hing TMCP SAi Gdn - Ht Noi

19.4. PhAn fich du nq cho vay theo trginh kinh t6

30109/20t7 3Ut2t20t6
"/" Triiu ding o/o

N6ne nghiep va lam nghiCp va thny san r8,346.665 20.62yo 3 r,680,006 2O.2oo/o
Khai kho6ng 8,032,7t8 4.320/0 8,483,681 5.41o/o
C6ng nghiep chi: bii:n, cha tao 28,237,sEt tS.tEvo 24,596,J91 15.68./r
Snn xu6t va phen ph6i dien, khi diir,
nudc n6ng. hoi nuoc vi diAu hda k}6ng
9,9 r4,313 5.330/0 8,42t,2t4 5.310/0

Cung c6p nudc; hoqt dong quan ly vA xn

li r6c thai, nu6c thai 3,877 0.060/0 154,238 0.t0yo

Xay dung 26.894,437 l4.46yo 72,340,838 t4.25y.

B6n bu6n vd ben la; sna chia 6 t6. m6
t6. xe may va xe c6 d6ng co khiic
30,956,788 l6.65yo 25,379,086 16.19%

Van tai klo b6i 3,289,225 t.77Vo 3,3 r8,955 2.t20/o

Dich vv luu tri va ,n u6ng t,099,404 0.s90/r 967.985 0.62yo
Th6ng tin ve truyen th6ng t05,959 0.060/o t41.909 0.09yo
Hoqt dong lai chinh, ngan hiing va bao
hi€m
1,951,8E8 l.osvo 912,140 o.62%

Hoar dong kinh doanh b6t d6ng san 14,362.917 7.72y" t0,)48,221 6.410/o
Ho4t dong chuy€n m6n, khoa hec ve
c6ng nghe
605,953 0.330/o 59t.889 03Ao/.

Hoal dong hanh chinh ve dich vu h5 trq |,646,142 0.89./. I,510,246 0.96yo
Hoat dong cLla Dang COng s6n, t6 chric
chinh rr; - xa h6i. ouan li nhd nu6c. an
54,250 0.03yo 5t,6'76 0.O1Vo

Ci6o dUc va dao teo 152,156 0.08% 179.654 0.1%

Y te vA hoel dong trq girlp xa hoi 99,942 0.o5./o t30,062 0.08%
Nghe thuar, vui chqi ve giai tri 269,306 0.14vo l0t.5t3 0.200/"
Hoat dong dich vu khac r 8,506,8r E 9.950A 17,128,330 t0.92yo
Hoal dong lam thuC cac c6ng viec trong
c6c h0 gia dinh, san xudt san phAm vat
char va dich vu rV ti€u ding cna h0 gia
1,136,323 o)20/o 3 t0.537 0.20V"
dinh
T6trg du rq !t5,919,2A2 t00.00o/o t56,t24.1?? t00.00%

II
n$H-B
Ng,n hAng TMCP Sli cdn -H| Noi

20. Dg phdng rii ro tin dgtrg

Dv phdng chung D{ phdng cr., tha

Xi ndv 60n9/2017)

s6 du diu k' 1,01E,726 612,476

DV phdng rui ro trlch laphoin nhap trong ki 272,278 79.432

DU phdnggidm do xt li c6c kloan nq khd lhu h6r bing ngu6n du

(s,860)
phdng

s6 a" cuiii t y l19r,00l 746,04t

Ki tudc /ll/12D0161

s6 d'r iliu ki 94E,35s 413,031

DV phdng nii ro trich lAphoen nhAp rcnB ki t20.589 354.384

Sidung du phdng trong nim ( 167,263)

TIng do Mp nh6p WF 940 15,403

Du phdng giem do ti{ch CN Ldo rhanh c6ng ty con (4,866) (2,628)

Du phdng giAm do trch CN Cam thanh c6n8ty con 146.292) (451)

Ch€nh IFch ti gie

s5 au cu6i try 101E,726 672,476

t2
rrg_tr_P
Ngin hlns TMCP sAi Gdn - Hi Noi

21. Chfng khodn iliu tu

21.1. Chring khodn dAu tusin slng it6 bdn:

30to9t2011 Sytznot6

Cht g khodn Nq 2rr?,ru 10,751,899

Chrmg kho6n Chinh pho 6,073,820 6,426,048
Chring kho6n Ng do cec TCTD kh6c lrong nuoc phdl
2,899,855 2,599,787
hanh

Chring khoan No do cdc TCKT trong nu6c phat hanh 4.023,530 t,729,M4

Chftng khodn l'6n 33,597 J3,59E

Ch(ng khoen V6n do cec TCTD khac trong nu6c ph6t 't96
795
haLnh

Chung kho6n V6n do cdc TCKT trong nu6c phdt henh 32.802 32,802

Dtt phbng ginn gid ching khodn sdn sdng ni bdn Q66,111) (r25,789)

r2,t64JsE 10,662,70t

21.2. Chrimg khodn ttiu tu git it6D Dgiy il6o her:

3UWnOtl 3l 2l20t6
!ftgu ctong I trcu dong

Chrjng kho6n Chinh phi 149,',l t6

Ch0ng khoen Ng do cdc TCTD khAc trong nudc phet

t,299,889 999,880
henh

Chung kho6n Ng do cec TCKT lrong nuuc PH 8.733,346 8,439,913

Du phdng Biern gi6 chrrng kho6n diu ur gi[ ddn ngiy

(1,7 t8;721) ( r,2ss,93E)
d6o hen

8,4642,24 8,rEl,9r5

ll
 SHB
Ngan htng TMCP Sli cdn - Hi Noi

22. Chri,ng khodr kinh doanh

30/0912011 3t/12t2016

Chtng *hodn N( 446,000

- Chung khodn Ng do cac TCKT t.ong nudc
phdt henh
446,000

446,000

23. G6p v6n, diu tu dti hgn

30t09t20t1 3ut2t20t6
ttltu donq
Deu tu vao c6ng ty con ,Jr"303 2,371,822

CAc khoan dau tu dai h?n khec 227.251 2t4,193

Du phdnggiarn gie diu tu dai hqn (12,632) (s,818)

3,642,922 2,s60J77

l4
 .s6 EE i g s
E1 . d i

?3 i e b n- ^! ".j 9!

E;
gd : ^j
E EEs A
z

s"E g€s a
g
=--l

?t's F- .'
i: a E r
E

i9 ,s e a ,

; zt
;3 ; E i EXs iJ

iaE
Z .,.c

.o.E_
i 2.2 i: :" : 5
:!i$$ z

"c =us i rfr"gi Esr

G.E :-F
i :; ii!: iiir;i; gii;it ;t;
llz*I e s;; s ; i,1iF,ii ;i; i i:-i j s sr
 !p
c I E.
;e-i-rE
R a-t3 J

,}

*cr'-'

F
B--=P*-6
F :'J

!:] 3ii!: s

==hraa SSSSI
:l
E;

gs=r+a
4-r..:itn -4:iEl
zt i 6daE -:
u
E

zE
iiys sl{.;
,i,
9e
,E
s:it i .s:€t A

V)E
rt.E,e-
.gl
9T
:E Ets*Sii:g*iSi:rtEri
-i€S+ss.}€;E€+++ jq;EFE
 *ES_HE
Ngen hlng TMCP SAi cdn - Hi Noi

25. Tiri sin c5 dinh v6 hitrh

- Ttrng, giim lii sin c6 ditrh v6 hiDh ki ndy:

Doh ri tinh treu ding

rnd+nsdat phAn ham TSCD
Quyar vidnh conE
v6 hhh Lhrr
Nguyan gia
s6 ds dlu ki l/7t.E79 t92,5t5 J3.ll0 J,70,1.J7,1
s6 tngtrons ki 6.E1lt ?,E60 16,708
8 8!8
s{ au cu6i r} t,$1.121 zolt.{45 Jl. o 3.17t.2A2

s5 dE diu k, t46J15 t7,8al t69.t03

s6 rtnE rrons ti, lr8 19,544 2J00 22,062
2,JW 22.062
s6 a"
",6i
ti 5,765 r65,El9 20.24r 19t.865

Tri nsly diu ki :r4Jt0 t3,229 3St{.7',7!

Toingly cu5i l!

- Tdng, gi6m tii sih c6 dinh vd hinh ki trutu

Quyin sn rhin mim vi Tli sir c6 dirh

dlns dat C0'!s
dtrh v6 nhh khnc
Ngultn gi6
s6 du diu n.m 3,629,59{ t73,578 J5'T I,E36,226
5,356 2t,678 21,0)4
2.155 2.156
' Thonh li,, nhwn|
bdh (156,032) (r56.032)
- Cidh do tti.h Ldo thahh c6na ty coh (5,428) (7.372)
0.914)
OE; (lt)
s6 du c'r6i rrD
Gi,i trih.o mdn lui k6
s5 du diu nrm 5,,t89 t2t,459 t6,606 1,13,55.1
- Khiu hoo rrong nnn 156 16.776 1.218 30.r52
t.709 r.709
- Gt.in do i;ch Ldo thanh c6ng D coh (3,669) (r.943) (5,6r2)
55 du cu6i r.m t7,8El
Gi6 tricdn hi
Ttirriydiu oam 3,624,t05 52,U9
T{i nety cu6i rtn

t1
I'SIIB
Ng6n hAng TMCP Sti Cdr - Hi Noi

26. Tii siu C6 khdc

t0l09D0t1 3tnn0t6

C6c kloin lai, phi pheirhu 9. t57,588 7,t45,337

C6c khoan phdi lhu t.10t.605 807.720
hongdo
Cec khoan phdi thu noi S 117.355 30,965
Cac khoan phdi thu Bn ngoAi r.124.250 716,755
Dq phdng nii ro cho cec raisen C6 khec (143.335)
\t43.6221
Tdi sen C6 khAc Ii.048,500 I r,997,828

23J51,0?l 20,507,550

27. Tidn, viug gii vi vay cia cdc t5 ch['c tin d+rg kh6c
- Ti6r, ving giri cria c6c t6 chir litr dr;trg khdc

l0n9n0t1 3Ur2n0t6
t nqu ctonq
TiAn, vnhg gii khat g kj hen 18,076,tE3 t t,831300
- Bing vND 18,076.072 II,834,2E5
. Eang vanS va ngoer te r l5
Tiit , fing gni cd k) hgn 7,020,u0 11,M9,220
. Bing vND
7,020,000 9,236,500
- Bing ving va ngoai t+ t.712,120
roDg 25,096,t E3 22,8/,3,520

- Tidn, ving vay cdc t5 ch(rc lin dgng khic

3U09n0t7 3lt,,n016
T.ieu dias hieu d,jas
- Bins VND 5,615,658 8,920,878
. Einr verg ve ngo rC 6,413 1,089,297
T5rg 5,6{2,07t r0,010!175

T6ng tiin, ving giri vi vry crc d ch[rc tin d{Ilg

k[6c 30,738rs4 32,853,69s

I8
 7[S"H,"P
Nger hing TMCP Slicdn -Hn Noi

26. Tiin grii cia khich hing

30to9t20t7 3Ut2t20t6

Tian, vAng sn'i kh6ns ki h8n 16,642,251 t 8,936,821

- Tidn Bui kh6ng kj han bins VND t5,680,t 72 t7,53t,008
- Tien grd kl6ng ki h?n bing vdLng, ngosi tg 1,002,079 r,t98,813
Ti6n, ving gni c6 ki hgn t 75,1 r 3,004 145,166,tt7
. Titn gfi c6 ki han bing vND t6t,754, r99 t32,561,615
- Ti€n gui c6 kj h4n bing vAng, ngoai tC I3,358,805 t3,204,442
TiAn gii v5n chuy6n ding 223 24,389
Ti6r sfr k, qut E6t.785 1.168J23

t92,651,263 165,E95,5fl)

29. V6tr &i trq, iy th{c diu tu, cho vay TCTD chiu rii ro

30t09t2011 3t/12t20t6
I ntu tone
V5n nh6n tdi trg Uy thrc dau tu, cho vay bing
vt,tD r,805,393 808.t87

ViSn nhan tai trq Uy thric diu tu, cho vay bing
vang, ngoai tC 611,92s

2,42331E E08,E87

30. Phdt hnDh giAy td c6 gi6 th6hg thuarng

30tlJr',n0t7 3Utznofi

Menh gi, 16,46 t,000 t3,769,379

Chi6t khdu (4e8) (2,4r 6)

Phu troi 653 113

t6,46t.155 t3-767.675

i9
?4-st*I"P
Ngin hlng TMCP Sli Gdn - Hn Noi

31. Cic ktoao trq kbdc

30to9t20t1 3vt2rz0t6

CAc khoan ph6itra n6i bA 572,629 578,842

C6c kloin phAi lra bCn ngoai 308.909 374.192

881,538

20
 t-E5e
I=;:
rE E *i
:
==

'.J
.E a!s-6=aN
Eg: = = ; !i
=

,.1

o
E e": a

rE
'aE -=
t

o!
= ?'E
"i
u =-e

: E'

z .? es
I

tiii 'll.H..; Q

AZ
GF
: IE
E! -."e EE::
S U i
e ,<._ '=
.P ! ! : q!. 7
E 5ff:*,.H,'E
. F FF:F_A E: !
F-d -i;
z .i
 trs.Irp
Ngen hlng TMCP Sni Gdn - Hn Noi

33. Thu nhip lii vi cic khoin rhu trhip rusDg rrf:

Tir 0l/01/2017 d6n Tn 0l/01/20l6 rt6n

30/09t2011 3U09n016
!fteu donR tflqudonP
Thu lai tian gti 213,657 449,096
Thu lai tian vay I0.208.965 8.444,365

Thu lai tirkinh doanh, dau tuchfmg kho6n No 821,452 579,801

Thu kh6c ti hoat dong tin dun8 719,598 399,219

Thu khdc ru'hoat dong bao lanh 96,697 41,920

12,t40J69 9,916,401

34. Chi phi lti vi cdc khoin chi phi tuorg tF:

Tt 0U0l/2017 d6n Tn 0U012016 it6n

30t09/20t7 30/09n016
tfrqu ctohS t ft(u dong
Tre lai rian gui (E,364.291) (6,849,901)
Tre lai tian vay (38r.240) (214,2t3)
Tra lz' phat hanh gi6y rdc6 gia (809,342) (486,320)
Chi phl hoal dong lln dung khac (r5,780) (60,921)
(9,s70,6s9) (7,6r lJ5s)

22
 IAS-TIP
NgAn hlnS TMCP Sli cdn - Ht NOi

35. Lf,il 6 ttuin tir hogt itong dich vf:

Tn 0t/ot/201? d6n Tt 0u0rr0l6 ir6n

30t09not1 3UWn[t6
Trieu dins tfteu.tonE
Thu phl dich v+ 1,N2,124 111,164
- Hoat dong thanh toiin r,460
10 tr 1,296
- Hoal dong ngan qui 9,t30 9,8t0
- Dich vu dai li 2,tE6
- Thu phi dich w khdc 889,61I 51,872
Chi phl dich vg li6n qusn (42,528) (s3Js6)
- Ho?t d6ng thanh roan ( r6,4r0) (15,376)
- Hoat dong ngan qu, (e.680) (7,866)
- Chi phi dich w kn6c ( r6.43t) (10, r r4)
LrY 6 thuAn tl} ho{r dong dich v+ 960, t 96 123,808

36. Chi phi ho?1ilong

Tl]l 0l/01/2017 d6n Tn 0l/012016 d6n

30t09t2017 3U09n016
TriQu ding I n(u dong
Chi n6p thuii vi c6c khoan phi, te phi (r6,03e) (22,091'
Chi phi cho nhdn vi6n (997.912) (93 t,278)
Chi va rei sen (28r.439) (281.965)
Chi cho hoat dong qudn ly cdng vu (306,647) (107,557)
Chi nQp phi bdo hi6m, bdo <Idm tiAn gui cia
khdch hang
( r04, r76) (89,rrs)
Chi phi du phdng (kh6ng tinh chi phi du phdng
nli ro tin dung nQi va ngo4i bang; du phdng giam (7,t62) (t6,595)
gi6 chrng kho6n)

(r,713,435) o,64E,673)

23
 r'S-r".rB
Ngin hnng TMCP saicdn - HA Noi

34. Tidn vi crlc khoin tudrg duong fian

30t09t2017 31/12/2016

TiSn mdt vd c6c khodn ruong duong tidn rai 1.t79,213 1,249,9 t6
Ti6n grji tai Ngan heng Nha nuoc 2,585.957 1,880,377
Tien gni tAi TCTD kh6c kh6ng kj, han 18.066,749 t2.t35,787
Tian gui tai cdc trj chtrc rin dung khdc co
thdi gian d6o han duoi 3 thAng 3,600,000 9,93',7,851

25,43t.979 25J03,937

35. Lo+i hinh vi gid tri rii sin rh6 chdp cir khdch hing
Gil tris6 sdch {i6 trit.ith}i di6m lap b{o c{o
30/09n011 3Ut2l20t5 30n9t2011 3,/t2t20t6
Bat dong san 176,404,t23 142,24t,37 t t'7 6,404 ,t23 142,241,31I
Dong sen 39,874,998 41,E63,201 39,874,998 41,E63,20 r
Chrng ti,c6 gid 21,867,667 t8,331,934 21,867,667 I8,33 t,934
Tei s.An klac 212,612,510 114,782,49E 2t2,612,510 t14,1E2,498
450,759J58 377,2 | 9.004 450,759J5t J77 219,004

36. Nghia vu lg tidm 6l yir cfc cam k5t dua ra

Trong que [inh

hoat d6ng kinh doanh, Ngan hang rhuc hi6n ciic c6ng cu Gi chinh li€n quan
d6n c6c khorin muc ngoii b6ng can diii k6 ro6n. C6c c6ng cu Gi chinh nay cht y6u bao g6m ciic
cam k6t bao lanh ve thu tin dung. Cdc c6ng cu nay cing tao ra nhiing nii ro rin dung cho Ngan
hing ngoai cac rui ro tin dung da duoc ghi nhan trong n6i bang.

Rii ro tin dung cua cric c6ng cu tar chinh ngoai bdng duoc dinh nghia
khd ndng mang diin rrii li
ro tin dung cho Ngan hdng khi m6l lrong cric b€n li€n quan d6n c6ng cu tai chinh d6 kh6ng thuc
hi6n cric didu khodn cria hqp ddng.

Bao lanh tei chinh le c6c cam k6t c6 driu ki€n rna Ngan hang cdp cho kh6ch heng da giao dich
voi mot b€n thf ba trong cic hoat d6ng vi bdo tanh vay v5n. bdo linh thanh toin, beo lanh lhuc
hi6n hoo ddng vd bao ISnh du thiu. Rur ro tin dung li6n quan d6n vi6c cip brio linh vi co bdn
gi5ng rui ro cho vay khrich hing.

Giao dich thu tin dung rhuong mai tra ngay lA loai giao dich rrong d6 Ngan hdng cung cdp
rdi
chinh cho kh6ch hdng cia minh, th6ng thuong lir ngudi mua/nhA nhap khau hang hoi va
b€n thu
huong ld ngudi brin/nhi xu6r khAu Rii ro tin dung trong thu 1in dung trd ngay
thuong th5p do
hing ho6 nh6p khdu duqc ding dd thi! ch6p cho Io4i giao dich niy.

Giao dich thu tin dung tre chem se ph6t sinh rur ro khi hgp ddng d6 duqc thuc hien me khich
hAng kh6ng thanh todn cho bCn th! huong. C6c thu tin dung tre cham kh6ng duoc
kh6ch hdng
thanh ro6n duoc Ngen hdng ghi nhan la khoan cho vay bit bu6c vi c6ng no tuong Ling rha hi6n

21
 IrsrrE
Ngen hAng TMCPSAi cdr - Hi NOi

nghia vu tAi chinh cia Ngan hang phai thanh ro6n cho b6n thu huong ve thuc hien nghia vu cua
Ngan hang rong viec bao lenh cho khech heng.

Ngan hdng thudng y€u cau kh6ch hang ki qui da dem bao cho cdc c6ng cu tdi chinh c6 li6n
quan d6n tin dung khi cAn thi6t. Ci6 tri ki quy dao dong rt 0% d6n 100% gi6 rrr cam k6r duoc cip,
tiy thuoc vao muc d6 tin cay cta khAch hang do Ng6n hdng d6nh gi6.

Chi tiil cec khoan c6ng no tiim in vi cam kir ngoai bang vao ngay l0 rh6ng 09 nlm 2017
nhu sau:

30to9no,, 3Ut2t20t6
tftqu oong
Bio lSnh vay v6n ItoJ90 163,583
Cam k6t qiao dich hiii itoii 39,1r0279 20,2*2O1
Cam Mt mua ngooi ft 2,067,240
Cah kA bAh hgoai ft 224.700
Con kit Eioo dich hodn d6i 3',7,4t8,339 20,2st,2o;
Cam k6t troDg Dghiep v{ L/C t2,o25,970 10,670,815
Bio LAtrh khic rt,673J87 12.407.s98
70,589.926 43.500J01

37. Giro dich vdi cdc b6u li6n quan

Ciao dich vrii cdc b€n lien quan la c6c grao dich duqc thuc hi€n voi ciic b€n c6 li6n quan voi
Ngan hang. Cdc ben duoc coi ld li€n quan niiu m6t bCn c6 kha n6ng ki6m
soat hodc c6 enh huong
i
deng k6 d6i voi ben kia trong viec ra quy6t dinh d6i voi cric chinh s6ch rii chinh vd hoat d6ng. M6t
ben dugc coi Iii b€n c6 li€n quan voi Ng6n hdng n6u:
(a) Truc ti6p hofc gi6n tiip qua mQt hay nhidu En trung gian, b€n ney.
> kiCm soat hoic bi kidm soiit horc chru sU kidm sodt chung boi Ngan
hang (bao g6m
cec c6ng ty me, c6ng ty con):
> c6 v6n g6p vio Ng6n hang va do d6 c6 anh huong d6ng k€ t6i Ngdn hing;
c6 quyen ddng kiiim soit Ngan hdng;
'
(b) BCn li6n quan la cdnS ry tiCn doanh, lien kdr m6 Ngdn hing ti
mQt b6n ti€n doanh, Ii€n k6r;
(c) Ben liCn quan c6 thdnh vien la nhen s[ chinh trong Ban T6ng Cirim d6c cua Ng6n hing
ho6c cdng ty me cua Ngen hang;

(d) B€n li6n quan li rhAnh vi€n mit rhi6r lrong gia dinh cna bdt ki cd nhan nao da nCu trong
di6m (a) hodc (c);

(e) Ben li€n quan ld m6t t6 chrl,c rruc ri6p ho6c griin
ti6p chiu su ki6m sorit, ddng krdm soar
hoec chiu anh huong ddng k6, hoac c6 quydn bi6u quyiir
boi bdt ki c6 nhdn nAo duoc dd c5p din
trong diam (c) hoec (d).

25
 I'SHB
NgAn hlng TMCP Sii cdn - HA NOi

T6m tit m6t s6 giao dich lon vdic6c ben ljCn quan trong eui 3 nAm2OlTnhusau:
C6c siro dich Trieu ddng
Thu lai cho vay I9.360
T6m tit c6c khoan phai thu phaitrd c6c En li6n quan tai thdidi6m 30 theng 09 nam 20!7 nhu sau:
Phdi thq Phdi ud
Cdc Riao dkh Tri€u dinC Trifu ting
Cho vay 91. t95
Tiin gLn kl'6ng ki han 31,105
Tidn gii c6 k, han I,375.516
Diu tu vao cec b€n li6n quan 2,4t4,5E2
Lri phai lhu tu cho vay, UTDT, dau tu tr6i phi6u 266,9s8
V6n g6p cria cac En lien quan
l.l9l.99r
Phai tre lai ticn gui
t9,562

2,t32,735 2,598,672

38. ChiDh sdch qu6r lj rii ro li6n quan d5n cic c6ng cu tii chinh
Muc ri6u cia Ngan hdng ta tiii da h6a gid tri diu ru cia c6 d6ng, giri vtng r6c d6 $ng
truong
loi nhudn vi tinh hinh tii chinh ldnh manh. Do viy, viQc st dung ciic c6ng cu tai chinh,
bao g6m
nhin ti€n grii cria khich hdng vd diu tu veo cec rai sdn tii chinh c6 char lugng cao da tro thenh
hoat dong manS tinh then ch5t girip Ngan heng ilat duoc muc chenh lech
rai suit can thiet. xdr ru
khia cenh quan l), rui ro, diau nay ddi hdi Ngan heng kdt hqp m6t c6ch crin
d6i gita cric cam kiit
ngoai bAng (nhu bao lanh vd thu tin dung) v6i c6c khoan cho vay (bing
ddng n6r td cing nhu
ngoai tC; di5i v6i c6c c6 nhan va 16 chirc thu6c c6c mfc dO tin
cay kh6c nhau. BCn canh do, Ngan
hdng cing d;u tu m6t phin v5n luu d6ng vdo c6c chrrng
kho6n diu lu hay cho ciic ngan hdng khiic
vay. Nhing rui ro li6n quan diin trao d6i ngoai rC va thay d6i
lai suit duoc quan l:i th6ng qua 6p
dung han muc trang thdi nhirn han ch6 su tAp trung quii muc
d6ng thdi iham gia vdo ciic hoat d6ng
c6 tric dung c6n bing tin nhau di gidm rhi6u nii ro. Ihong qua
viCc n6m gin nhitu tdi sAn ld cdc
c6ng cu tai chinh c6 chSt lugng cao, co c6u bang can
d6i kti torin hgp nhit cna Ngan heng c6 di
khe neng phdng ngria rii ro trgng y6u rong qu, trjnh
hoal d6ng kinh doanh va dam bao kha nrng
thanh khoen. ThCm vao d6, Ngan hang cing tham gia
vao nhiau giao dich phdng nglra rui ro li6n
quan d6n ciic c6ng cu tdi chinh nhu c6c
cam k6t ho6n d6i ngoai t6 cho muc dich qu6n lll.riiro
l6i
sr.r6t.

Trong que trinh qudn li

rui ro tin dung, Ngen hAng di su dung c6 hi6u qua
Cam nang I in dung
trong d6 ghi chi ti6t cdc chinh siich va tht tuc
cho vay cing nhu cec hu6ng din thuc hiQn d6
chuin
h6a ciic hoat d6ng tin dyng cia Ngin hdng. Rii
ro thanh khoin duoc h4n ch6 th6ng qua vi6c
nim
gin m6t s6 luqng lon tian mEt va cec khoan
tuong duong tidn duoi d4ng rii khoen Nostro,
c6c
 I'SIIB
Ngar hnng TMCP SCi Gdn - HA Noi

khorin tiin gui c6 k] han lai Ng6n hang Nha nuoc ve cdc 16 chfc tin dung kh6c va cac gi6y td c6
giii. Cdc ti lC an toin c6 tinh d6n yiu tai rui ro cing dugc sri dung d6 qudn li rii ro thanh kho6n_
NgAn hdng thuong ti6n hinh denh giii ch€nh l€ch lai sudt, so siinh voi ciic thi trudng
trong nudc va
quaic ti: da c6 nhrng diau chinh kip thoi. Th€m veo
d6, viCc dp dung cac quy rrinh quen li r[i ro
n6i bA cing tro nCn hi6u qud hon nho ri€c rri€n
Lhai Hd rh6ng euin t:i V6n Tep lrung va He rh6ng
Thahh to6n Tap trung, theo d6 roan bO ciic giao drch vdn
vri rhanh to6n crla Ngan h6ng d€u do H6i
so chinh thuc hiQn. Vi€c tt6 cho phip Ngrin hing giem
siir hi6u qud hon c6c bi6n d6i v€ v6n ve
giam cec sai sot c6 th6 xay ra ctng nhu nhiiTg
thi ruc phuc tap kh6ng cin thi6t.

39. Rii ro tiD d+ng

Rrii ro tin dung ld khd ning xdy ra t6n rh6t rong hoat
dong ngan hang cda t6 ch[,c tin dung do
kh6ch hdng kh6ng thuc hien hoec kh6ng c6 khii ning
rhEc hicn nghia vu crra minh theo cam k6t.

Ng6n hring ki6m sodt ve qudn l:i rui ro tin dung bing
ciich thi6t lep han mtc rhanh roiin tuonS
ung v6i mtc d6 nii ro mA ngan hang co th6 ch6p nhin
duoc d6i r<ii m6i khdch hang \a ddi roi m6i
linh vuc <Iia l1i, nginh nghd.

Ng6n hring dd thidt lap quy trinh so6t x6t chdt

luqng rin dung cho phip du b6o sdm nhing
lhay d6i va rinh hinh tei chinh, kh6 nan8 ra ng cia
cec b6n d6i ldc dua r6n clic y€u 16 dinh !inh,
dinh lugng. Han mtc rin dung d6i voi m6i khdch hing
duo;c rhiir ldp thong qua vidc sri dung h€
th6ng xdp heng tin duhg, trong d6 mdi khech hdng
duoc x6p toai O mOt m-tc aO rrii ro. Mric d6
nii ro niy c6 thti dugc sua ddi. cap nh6t thudng xuy€n.

40. Rii ro lhi lrud,ng

40.1. Rii ro liii sudt

Thdi han dinh tpi tdi sudt thr-rc td ti thoi han cdn
tai tinh rri thdi didm tap bdo ciio tdi chinh
cho tdi ki dinh lai lai sudt gin nhit cria
cdc kho6n muc tAi sin vii ngudn v6n.
c6c gid dinh va didu ki6n sau duoc 6p
dung trong phan tich thoi han dinh
rai hi su,t thuc t6
cua ciic Ai sdn vii c6ng no c[a Ngan
hdn8:
> Tidn mft, vring bqc dri qu!; g6p v6n diu t,
dei han va cec Bi san c6 khric (bao g6m
tdi
san c5 dinh, bdt d6ngsin diu ru vA di sen c6 khdo. rni uy rhac
dAu ru) drror xaip loai
kioen muc kh6ng bi dnh huong do dinh lai
lai sudr;
Tian gui rei Ngen heng Nhe nu6c Vi6l
' Nam dugc x6p loai tiAn gii rhanh toan do d6 ki,
han dinh tai tai sudr thuc d duoc
x6p toai din m6t thdng;
> Thoi han dinh lai lai su6t thuc G cria
chring khodn
diu tu vi chung khodn kinh doanh
dusc tinh dua tren thdi dio han rhuc t6 tai thoi di6n ,ro;;.
timg loai chung kho6n;
Sian ;;;,
"nrn "r"
 H.S.-[IE
NgEn htng TMCP Sli cdn - Ht Noi

> Thdi hpn dinh hi

lai suat thuc 16 cia ciic kho6n tidn gtri vi cho vay cac.ICTD; c6c
kho6n cho vay khech hang; cric khoin ng chinh phu va Ngan hdng Nhe nuoc Vi6r
Nam; cric khoiin tiin grii vd vay cdc To chric tin dung ve khoan muc liin gii cta khAch
hdng aruoc xic alinh nhu saui

CAc khoen muc c6 tai su6t cti dinh rrong su6t thdi gian cira hoo ddng: Thdi
han dinh lai ldi
suit thuc rd dua tr6n rhoi gran d6o han rhuc te rinh rir rhoi diem ldp bdo ciio rai chinh.

C6c khoen muc c6 lai suat the n6i: Thoi han ilinh tai lai su6r thpc t6 cria cic hqp ddng cho
vay c6 thdi gian d6o han cdn lai duoi 6 th6ng iruoc xiic dinh dua t.6n thoi gian d6o han
cdn lai;
c6c hoD d6ng c6 thdi gian deo han cdn lai tren 6 rhiing duoc x6p vio loai tir 3 thdnS d€n 6 thing
do ki dinh lei lai surt cua Ngen hing r5i da td 6 rhdng m6l tin.

> Thoi han dinh lar lai sujt thuc t6 crla khoinmuc ngudn v6n tai tro ug th6c diu tu, cho
vay md t6 chuc tin dqng chiu rui ro ahroc tinh dua rr6n thoi gian diio han cdn lai cUa
tnnS hqp ddng;

> Thoi han dinh lai lai su6t

cia c5c khoan ng kh6c duo.c x6p vdo khoan muc kh6ng bi
anh huong do dinh lar lai su6t hoac k, han tir I th6ng diin 3 thiing. Trong rhvc tC, cdc
khoan muc ney c6 th€ c6 rhoi gian dinh lai lai su6t khric nhau.

28
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al*l
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lfl
33
F :
lfl
o- .l F-

F ; 6i
EElfl$ al
lil
6i
r:o-
.d

lsl
ii
i* = l*l= l;liElil
Fl=l
ElEli 2lnl
j ..i
IIEI 3tflE EtEt
I l'rl'l
9e
o EIFI

cE!a
ll*Eltl
; M""
a2 E Z'i €E
z
5;
:e i !i
a
= o
sis
.?:9
d:
5€ P
a; r- a-
E

Il, E € Hi -q; '::E;

tsE; +{ ;!1t!L
"aaE 2 !.c a Li
oZ
GTF
a a: > 5 --'- t E .: !
ase 2 -'".!f P!::" =
1983,.="P=^t EEE
g.s iZi!,ili='E !:
itg E 6 do g,.i: : i. 9 E r .: - u.5d'a:!ui1aE-zr
Dtr,:i:._-Utr--:!=!= ;"trUE;;E 3 E-' Etr
z i s 3 a a s s E B g eE Z 6 B B a =s€gi=€
 I'SHB
NgSn hAng TMCP Sai cdn - HA Noi

10.2. Rii ro tiin tC

Rii ro tian t€ E nii ro me gie fti cua qic c6ng cu tei chinh bi thay d6i xu6t ph6t rn nhnng
thay d6i va r,i giri.

Ngan hang duoc thanh lap va hoal dong rai Viet Nam vdi ddng tiAn brio crio li VND. D6ng
tidn giao dich chinh cia Ngan heng crlng la VND. Cac khoAn cho vay ve tng trudc ki6ch
hang
c'ja Ngan hing chri yiiu bing VND, mQr phin bing USD va EUR. Tuy nhi€n, m6t so di
sen
khric cua Ngdn hAng lai bing cdc ddng riin khiic ngoAi VIJD. USD ve EUR. Ngan hdng da dua
ra m6t hQ th6ng han mrlc tl€ quen li cia c6c ddng lian. Trang rh6i d6ng ti6n duoc
trang thei
qudn tf tr6n co so hing ngiy vd chiin luoc phdng ngira rui ro duoc Ngan heng st dunts d6 dam
bdo ring trang thiii cira c6c ddng tiEn dtroc duy tri trong han mtc da thi6t lep.

30
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10.3. Rii ro thanh *hoin

Rr)i ro thanh khoen le nii ro Ngen hang gap kh6 khAn trong viec thuc hien nhihg nghia
vu cho c5c c6ng no tei chinh. Rii ro thanh khoan ph6t sinh khi Ngan hdng c6 rhe kh6ng dt kha
tra. nq khi nhtrng c6ng ns nriy d6n han o nhing thoi diam binh thuong
P:S lllc.liin Tlia.Iu
ho6c kI6 khan. De giam thieu rui ro thanh khodn. ng5n hdng phdi huy d6ng ttr nhiAu ngudn da
dang khac ngoei ngudn v5n co ban cua nean hang. oong ihoi nea; han;cin c6 chinh s6ch
quan ly LAi sdn co tinh thanh khoan linh hoar. rheo d6i ddng tian tuong lai ve tinh lhanh khoan
hAng ngAy. Ngan hang cr)ng cin ddnh gid dong riin du li€n rikhri ntng sin c6 cria rdi sdn ddm
bdo hifn tAi trong truong hgp can hu) dQng lhem ngudn uon

Thdi gian ddo han cia cac tai s.An ve cdng no rha hien rhdi gian cdn lai cia tei sen va cdng
no tinh ti, ng6y tap b6o cdo tdi chinh d6n kii rhanh lo6n rheo quy dinh trong hoo d6ng hoai
trong diau khoen ph61henh.

Ciic gia dtnh vd diau ki€n sau duoc 6p dun8 rrong phan tich thoi gian d6n han cua cic rAi
sen vi c6ng no cia Ngan heng:
> Tidn gfi tai Ngan hang Nha nuoc Viel Nam duoJ xep loai lian gii rhanh to6n, rrong d6
bao gdrn.tidn gni dtr tr& bit bu6c. 56 du cua ridn gui du rn iir
buQc phu rhuQc vao
thinh phan vd kj,han cua c5c khoan riCn gui khdch hang cua Ngen hdng;
> Thoi gian ddo han cria chtmg kho6n diu tu tluoc tinh dga rr6n ngay ddo han cLia tung
loai chung khoen;
> Chtng khorn kinh doanh duoc x6p vdo loai ki han ddn I thdns;
> Thdi gian din hen cria ciic khoin riin gui va cho vay cdc TCTD vd cic khorin cho vay
khech hang dugc rdc dlnh dqa vdo ngiy d6n h4n cua hgp ddng quy dinh. Thoi gian d6n
han thuc td c6 thi thay d6i do cic kh€'uoc cho auqc giuiu'n. Ngoai ra, cic khoan
"aykhOng t-ao g6m
cho va) khdch hang duqc thd hi6n bing gia rri g6c a;phdng rui ror
' Thdi gian ddn han cua c6c khoan dAu tu g6p v6n mua c6 phin duoc coi lA hon m6r n6m
do c6c khoin diu tu niy kh6ng c6 rhdi gian dao han xiic iinh;
> Cdc khodn tidn gti, tiin vay cua cdc rd chric lin dun8 va cic khodn rian gni cna khdch
hang dugc xac dinh dua vdo tinh ch6t cua cdc khodn ndy hoac rhdi gia; diio han
k€n
hqp d6ng. Tii khoan Vostro vi ri6n griitharh.toiin duqc thuc hien giao dich theo yCu
cau cria khech hdng vd do d6 duoc xCp loai kh6ng kj,han. Thoi
sia; ddo han d6i voi
c6c khodn vay vi ridn gui lj, han duoc x.ic dinh dia ir6n ng,iy aai na" rf,.."n-qp aa"e.
TronS rhuc te. cdc khodn niy c6 thd duo. c quay vdng va do OO duy iri rrong thoi gian
dii hon rhoi gian drio hen ban d;u;
> Thdi gian d6n h4n cia tdi sen c6 dinh duoc xdc dinh dua veo rhoi gian si dung hiru ich
cdn lqi cia tai san.

32
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Ti GIT{ MQT s6 LoAI NGoAI TD vAo THoI DItM CU6I

QUv
30t09/2017 3|12,.016
USD
22,410 22,t59
EUR
26,805 23,936
CBP
30,469 28,09t
CHF
23,416 22.157
JPY
202 195
SGD
t6,733 15,117
AUD
t1,821 16,422
HKD
2,9 t0 2,935
CAD
18,217
16,943
CNY
3.408 3,277
LAK
2.7094
2107 |
XAU
1,657,000
1,630,000

Hd Nii, ngAy thdng ndh 20t7

L{p bi6u
T6ng Gi:im D6crp-

{-, r,ie ar getle

lJt,lic ii;;
12, sAt G0il.i1A ll0l
D6 Thanh phuotrg
Ng6 Thl V6n

37