SHB Solid partners, flexible solutions

NGAN HANG THIXONG MAI CO PHAN SAI CON - HA NQI 77 Tren Hung Dao - Quart Haan Kiem - Ha Nai Tel: 04.39423388 Fax: 04.39410942

Bao cao tai chinh rieng le Quy II am 2017

mAu so: Q-01a

Chi tieu

TD - BANG CAN DOI Kt TOAN

MA chi Thuyet tieu minh

SO cuOi ky

Don vi tInh: Trieu clang

SO du nAm

A. TAI SAN

I Tien met, vang bac, di quy 110 15 1,189,356 1,249,916

II Tien girl tai NHNN 120 16 1,333,989 1,880,377

HI Tien, yang gai tai cac TCTD MSc va cho vay de TCTD khac 130 17 22,077,603 28,979,507

1 Tien, yang gar tai cac TCTD khac 131 19,842,740 22,073,644

2 Cho vay cac TCTD khac 132 2,240,000 6,911,000

3 Dv plating rat ro tien giri va tien vay cac TCTD khac 139 (5,137) (5,137)

IV Chang khoan kinh doanh 140 2,359,396

1 Chimg khoan kinh doanh 141 2,359,396

2 Dv phong giant gia chimg khoan kinh doanh 149 -

V Cac ding cu tai chinh phai sinh va cat tai sin Ili chinh klific 150 18 45,843

VI Cho vay khach hang 160 172,073,851 155,132,975

1 Cho vay khach hang 161 19 173,873,909 156,824,177

2 Dtr phong rai ro cho vay khach hang 169 20 (1,800,058) (1,691,202) VII Chang khoan du to 170 21 21,593,626 18,846,623

1 Chang khoan dlu to sin sang de ban 171 13,085,605 ..--',...--",,

10,788,497 7'. \ t"-- 2 Chung khoan du to gar den ngay dao han 172 10,024,952 9,439

3 Dtr phong glint gia chimg khoan dlu to 179 (1,516,931) ,.. NGAN 1.

(1,381 0J) VIII Gap vim, du to dai Ilan 210 22 2,611,354 I THLIO % MI 2,58 17 , li , ,

1 Dau to vao can ty con 211 2,389,876 2,371 2t; SAIGON , 2 V6n g6p lien doanh 212 - 3 Dau to vao con ty lien kat 213 - - ' "k '4'.--.11'1W 4 Dlu to dal han khac 214 227,251 214,393

5 Dv phong giant gia dau to clii han 219 (5,773) (5,838) IX Titi sin c6 djnh 220 3,883,906 3,927,363

1 Tai sin c6 (lath hOu hinh 221 23 362,199 392,592

a Nguyen gici TSCD /lieu hinh 222 889,315 884,084

b Hao mon TSCD hire hinh 223 (527,116) (491,492)

2 Tai sin c6 dinh thug tai chinh 224

a Nguyen gici TSCD 225

b Hao min TSCD 226

3 Tat sin c6 djnh vo hinh 227 24 3,521,707 3,534,771

a Nguyen gib TSCD v6 hinh 228 3,705,865 3,704,574

b Hao mon TSCD vo hinh 229 (184,158) (169,803) X BAt Ong sail diu ttr 240

a Nguyen gia BDSDT 241

b Hao mon BDSDT 241 - XI TM sin CO khac 250 25 23,351,792 20,507,550

1 Cac khoan phai thu 251 568,527 807,720

2 Cac khoan Ili, phi phai thu 252 8,936,548 7,845,337 3 TM sin thu6 TNDN holn tai 253 -

4 Tai san Co khac 254 13,990,237 11,997,828 - Trong de.: Lai till thuang moi 255 -

5 Cac khoan dv phOng rat ro cho cac tai sari CO nai bang khac 259 (143,520) (143,335) TONG TAI SAN CO 300 250,474,873 233,150,531

SO cleu nom

2,572,420

32,853,695

22,843,520

10,010,175

165,895,650

808,887

13,767,675

4,129,201

3,176,167

953,034

220,027,528

13,123,003

11,293,347

11,196,891

101,716

(5,260)

994,855

87

.

:1

233,1Nv

jFHA '

' i Wei 9 * l' 1

10

Chi tieu Ma chi Thuyet

tieu minh s6 cutu WS,

B NQi PHAI TRA VA VON CHI7J SO HITU

I Clic khoin ny Chinh phi vi NHNN 310 998,789

II Tien giri vi vay cia cac TCTD kluic 320 26 30,980,552

I Tien girl cia cac TCTD khic 321 24,220,419

2 Vay cac TCTD khac 322 6,760,133

III Tien girl cia khach hang 330 27 180,887,394

IV Cac ming cy tai chinh phai sinh vi cac khoin ny tai chinh khfic 340 481

V Wm tai try, uy thic dou ttr, cho vay ma TCTD phii chit' rii ro 350 2,747,561

VI Phat Minh giAy tb co gia 360 17,050,528

VII Cac khoan NQ' khac 370 28 3,990,268

I Cac khoan lai, phi phai tra 371 3,554,471

2 Thue TNDN hoan lai phai tra 372

3 Cac khoan phai tra va ming nq khac 373 435,797

4 Dp phong rii ro khac 379

Ting Ng phii tra 400 236,655,573

VIII Von vi cac quk 500 29 13,819,300

1 Win cia TCTD 410 11,293,347

a V'dn drdu le 411 11,196,891

b Vorn dclu tu XDCB 412

c Thing du vifn ce; phdn 413 101,716

d Cd philu quy 414 (5,260)

e Cd phi& uu 415

g Vi6 khac 416

2 Quk cia TCTD 420 994,855

3 Chenh loch gii hoi c1oai 430

4 Chenh lech anti gia lui tai sin 440

5 Lyi nhuin chua phan phoi 450 1,531,098

VIII Lyi ich cia co Ming that' so 700

TONG NO PHAI TRA VA VON CHO So Wit 800 250,474,873

CAC CHI TIEU NGOAI BANG

I Nghia vg nq tient An 910 25,773,537

I Bao lath vay von 911 164,847

2 Cam ket trong nghiep vu L/C 912 10,071,453

3 Bao lanh khac 913 15,537,237

Lip bieu

Thanh Phirong

He Twin Triremg,40,

Ha NOi, Ngay thong nom 2017

j(TOng Guam Dic747-

/co' NGAN

THONG 41 N I /

SAI GoN- HA N

7

•

PHO TONG GIAM Dot

e tIok ct t Cc

N

0 rNt E

0

O

N

O

• .0 O

TD

- B

AO

CA

O K

ET

QUA

HO

AT

DO

NG

KIN

H D

OA

NH

- Q

Ui7

c

.=

-C U ICo

0'

CON

en

0, 4

O N 4

In

00 00

00 In 00

00

O

• O • 0,1

tb.

.-S" V e

"Z3 00

0

1,

OO

Nt4 00

00 C

en

C

IR^

00

0. •01

•̂0^ •0.^

!92

•••0

'0

0

S

•Fs z

.44

ro, RI .... In ,-, (0 ,_, ,...„ ,......, c, ,..-,

co (.4 (.4, Pi' ‘..o r(-i en -71:' - co WI CT CO 0 0 `-^" \ 0 0- 0 ‘.0 in IN 0 •^0 NO .-" CO •0 G. 1- ,-, en In In o ON I-. SC!, /... C/ in •//r rn

N Le," P• Pei e ON In -41- (o- v-) op L.+ <p LLL: NeF to" C. (o) (-4 0 on N (-4 oo ,--, (4.1 4-1 0, C. rn ■-, N e'LLI In "---' C ,f5

V1 H .. ,,, ....

I-, ,...,

N N SO ON (C.,' en 0

03 0 "--oi- to ■..o co (--, r-- co 00 - ,,,r N N oo --- 0 em 0 00 0 In Mb 0

•-. N GO --• NO <I* 0 , 0 0 •-■ ON 0 0 00 ^-0 N 0 ,r7 '1'. .-' 0.1 00 N 0:; - 1, 6 ..y. N r. tri H

N 00 ̂/-1 CA rn ^-. v VI 1- IN 00 In 0 .or y -0 - ..... :_, -...- 0 NN --.

■-.. ,.../ co" ,..6. ,--I

...., -.....

00 00 0 0- tn tn tr.) rNi 00 It en N r- o 7 01 In N 00

ON V •^1' ON 00 00 ̂..0 ■-■ p P4 tn IN P‘4 ■-n oe, co"

O 10 N In N ',z4" ry

0 00 N In

,-, 'H. ...-. rn 0.3 Iri 01 0- In N 01. 00 NI O sO 00 0 \ '■ 0 N G' N In .--. en 0-1 00 0 In IN ON -I (--- -1- 00 rn es Op •-• en CO 04 00 ',P 0 0 0 •--, 0 0 0 P--

O r■- In P 0 `1": • - , WC' HI t.-,1 .4." Hi ,_, c,.; In ‘o NO ON N v l0 4-, ̂-■ rn en 0

00 (-4

00

IN --■ 0 •-.., N, v ......, v In in 4 N.,

It In - ,-,

O -- • rn M

.1 00 0\ CV M`.

▪

In 0 t- 00 0, 0 •-■

0

•

0 0 0 0

▪

0 0 0 0 EV N

.0 -- el :61 Ne0 0

0.

= et "

' ̀' .. 0.

OA

g u = :E 4

ea ‘g, c c. = '8 '8

-0 0 ,.. O .0 ._ 0. -2

i.. • bP 00

= C 4'1 "a0

I..1 C. "

•

C

V C "" "= '', !aP . :2 •= ,b .0 ,,, 4.-0 .0 .0

-0 .0 .0 .c 0 -,9, P, g -s to ex co u -co (.4 -1 el

C

0 n:4 ..E 0, 1 :c A. .... 0 -5 ';=: -5. • ` ' ' ' I8. 5 03' c b' e 0 c E Ty. .,E

c. co .0 ":, T1 -= = . 4,-; •=1 .2 " ' . ”L> '8 IT ..E c-z- ,c .c ..0 cc. ,o. ..0, c,

z ,c., on c-,

.2 .-.),., Es ! t .i. ..01. 'E 1 i ;s. 1 t'n '''" '6= .E. 2 z z ,,,, 0 c ,<0

0 - 0 .0. .b .= .= .= C b 0 ,o. ,e1 e ,.= ; 2 . .0 _ z - .. = .0 ,. ,... ia .- .0 ..0 ''

2 !-. ,_ tc •0 0 .0 u ,. , I- 0 ,,,,, ,,„., c _c c. a - 0 ,0 -1,,, -.F- -E, --0 _e .t-',„..„ -_,. v, . L.- , > n .0 ri. 0 c c

-"1 .1'1 "M "M ..̂ C 2. -g -'-'0, 0 c . .09- -a c c - 0 c° = ....a 1„9. _. ..0 .0 ..0 .0 c,... .e- ---. 7= I • -' - 1. C.4 2 0 0 0 0 0

-= -c = -E -= .s .ci, .ts, s -E '2 "; 0., C. CC ti...0 Cl.. .....°. ..=C `t la 0., 0..,

c ..., S Z ..= .-C :-C .-C 0. ,--•

,1. cf. .2, .0 / 10 ICI (CO IC .0 .0 Al .0 .0 b :,"C. 0 10.) .0 ..0 .0 .0• b. at

(...) .7 .7 ■-) .7 H C..) .7 [-^, (..) ^- 0 k 0 0 (...) .- <.

SHB Solid partners, flexible solutions

NGAN HANG TMCP SAIGON - HA NQI 77 Tran Hung Dao - Quan Han Mem - Ha Nal Tel: 04.39423388 Fax: 04.39410942

Bin coo tai chfnh rieng 16 Qt4 II n8m 2017

mau so: Q-03a

TD - BAO CAO LUb CHUYEN TIEN PPTT - QUY

DVT: Trifu &Sag

I LIH1 CHUYEN TIEN TU HOAT DQNG KINH DOANH

1 Thu nhap Ili va cac khan thu nhap luring tu nhan &roc

2 Chi phi Ili va cac chi phi Wang tu d8 tra

01

02

3 Thu nap tit hoot dOng dich vu nhan &roc 03

4 Chenh Lech s6 tien thoc thu/thuc chi to hoot dOng kinh doanh 04 chirng khoin, yang bac, ngooi to

5 Thu nap khac 05 6 Tien thu cac khoan nq dl duqc 'dr ly xoa, bit dap bang nguOn du

06 phdngruito

7,032,959

6,698,206

(5,805,496)

(5,688,066)

130,473

74,305

136,862 180,486

(8,736) 38,048

14,556 50,114

7 Tien chi tra cho nhan vier) Ira hoot clang quan IY, cong vii (*) 07 (1,071,022) (965,650) 8 Tien thug thu nhap thoc ntp trong 14 (*) 08 (79,776) (59,051)

Luu chuyen tien than ta. hoot dOng kinh doanh trtrk nhrrng

09 349,820 328,392 thay del ye tai sari va v6n lull Ong Nhthig thay tat 0 tai sat: hogs dOng

9 (Tang)/Giam cac khan tien, yang gai va cho vay cac TCTD khac 10 19,313,573 (2,535,173)

10 (Tang)/Giam cac khoan ye kinh doanh chOng khan 11 (5,241,603) (2,237,668) (Tang/(Giam cac cong co tai chinh phai sinh va cac al sin tai 11

12 45,843 chinh khac

12 (Tang)/Giarn cac khoan cho vay khach hang 13 (17,049,732)

13 (Tang)/Giam nguOn do phong de bn dap t6n that cac khoan (tin

/.„---;- j0O2 (long, chUng khoan, dau to dai han) 14 (3,300) (1,601) A- .•"---- -- 14 (Tang)/Giam khac vt tai san hoot dOng 15 (7,219,338) (1,999,549 ' c:, / - Nhfrng thay dtii 14 cong nv haat dOng °?' NGAN

h.../ .,

16 Tang/(Giam) cac khan tien girl, tien vay cac TCTD 17 (2,419,403) (3,419,7121 ' .1 HUM; MA 15 Tang/(Giam) cac khan no Chinh phi vaNHNN 16 (1,573,631)

(456,9 '■ , ft 7 17 Tang/(Giam) tien giri c6a khach hang (bao Om ca. KBNN) 18 14,991,744 10,464,4 •

- A

I UM' .

Tang/(Giam) phat hanh gin'y t6 co gia (ngooi trir giay tO c6 gia pat 18

19 3,282,853 hanh &roc tinh vao hoot (lag tai chinh)

Tang/(Giam) von tai tro, uy thac dau tu, cho vay ma TCTD chill raj 19 20 1'0

Tang/(Giam) cac cang cu tai chinh phai sinh va cac khoan no tai 20

21 481 3,260 chinh khac

21 Tang/(Giam) khac v6 cang no hoot d6ng 22 85,769 258,095 22 Chi to cac guy ca TCTD (*) 23

Luu chuyen tien than th. hoot dOng kinh doanh 24 6,501,750 (7,555,386)

11 ',try CHUYEN TIEN TU. HOAT DQNG DAU TU

1 Mua sam tai san co djnh 25 (21,926) (1,620) 2 Tien thu to thanh ly, nhtrag ban TSCD 26 132 (20,763) 3 Tien chi to thanh ly, nhuong ban TSCD (*) 27 (23) (7,604) 4 Mua sant bat dOng sin dau to (*) 28

5 Tien thu to ban, thanh ly but d6ng san dAu to 29 6 Tien chi ra do ban, thanh ly bat dang san dau to (*) 30 7 Tien chi dau ttr, Op von vao cac don vi khic 31 (12,857) 8 Tien thu dau tu, Op an vao cac don vi khac 32 (1,101,165)

9 , Tien thu c6 tic va Iqi nhuln &roc chia to cac khoan au he, gap 33

696 vOn clai hon 1,651

Luu chuyen lien than tir hoot dOng diu to 34 (33,978) (1,129,501)

III LUI1 CHUYEN TIEN Tic HOAT DQNG TAI CHINH

(8,561,985)

263,344 s.*://1,

1,938,674 339,771

1

I Tang von co phan tir g6p von va/hoac Oat hanh co phi& 35 Tien thu phat hanh giay tti c6 gift dai han co du dieu kien tinh 2

36 vao von to c6 0 cac khoan von vay dai han khac Tien chi thanh wan giAy c6 gift dai hart c6 du dieu kien tinh vao

3 • 37 von to c6 va cftc khoan von vay dai ban khic 4 CO tire Ira cho co d6ng, Ioi nhuan a Chia (*) 38 (246) (288) 5 Tien chi ra mua co phieu ngan qup (*) 39 6 Tien thu dim do ban co phieu ngan quy 40

Ltru chuyen tien thuln to hoot Ong tai chfnh 41 (246) (288)

IV Lim dly& tien than trong ky 42 6,467,526 (8,685,175)

V Tien va cac khoan tircrng &rung tien tai thoi diem du ItYr 43 25,203,937 33,620,864

VI Dieu chinh Anh hudmg cda they ddi ty gift 44

VII Tien WI cac khan twang throng tien tai thtri diem cu6i kj, 45 31,671,463 24,935,689

L(Ip bleu Ke toan trutrngfr-/ Ha 10i, ng2ry Chang nam 2017

Tdng Giam dociv <5,Q218

(i)7NGAN HANG

(THUONG MAI

k SRI GON-HA N I

PHO T6NG GIAm DOC -+; Mi. 7(,;;-

Do Thanh Phwong Thj Van

2

THUYET MINH BAO CAO TAI CHINH RIENG LE Cho Qu. ' II nam 2017

SHB Ngan hang TMCP Sai Con — Ha NOi

THUYET MINH BAO CAO TAI CHINH RIENG LE QUY II NAM 2017

1. ThOng tin ve ngan hang

0041-NH/GP ngay 13 thang 11 nam 1993 Giay phep hog deng do Ngan hang Nha nuoc Viet Nam cap Thai han hog dOng cua Ngan hang la 40 nam ke tit ngay cap giAy phdp dau tien.

Gray phep hoyt Ong

118i dOng Quan tri

Ong D8 Quang Hien Ong VO Dix Tien Ong Nguyen Van Le Ong Tran Ng9c Linh Ong Thai Quoc Minh Ong DO Quang Huy Ong Pham C6ng Doan

Ban ki'e'rn soat

Ong Pham H6a Binh Ong Nguyen Hitu Dirc BA Nguyen Thi Hog BA Le Thanh Cam Ba Pham Thi Bich Hong

Ch0 tich PhO chu tich Thanh vien Thanh vien Thanh vien dec lap Thanh vien

Thanh vien

Thanh vien Thanh vien Thanh vien Thanh vien Thanh vien

Tai b6 nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 Tai bo nhiem ngay 28 thang 04 nam 2017 Tai 1)6 nhiem ngay 28 thang 04 nam 2017 BO nhiem ngay 28 thang 04 nam 2017 Tai b6 nhiem ngay 28 thang 04 nam 2017 B6 nhiem ngay 28 thang 04 nam 2017

Tai bo nhiem ngay 28 thang 04 nam 2017 Tai be nhiem ngay 28 thang 04 nam 2017 Tai be nhiem ngay 28 thang 04 nam 2017 Be nhiem ngay 28 thang 04 nam 2017 BO nhiem ngay 28 thang 04 nam 2017

Ban Tting Giam doc va Ke town trtreing

Ong Nguyen Van Le Ong Le Dang Khoa Ong Nguyen Huy Tai BA NO Thu Ha BA Ninh Thi Lan Phuang

BA Dang TO Loan

BA Ng6 Thi Van

Try so' chinh

TOng Gam d'oc PhO TOng Giam doc PhO TOng Giam (Mc Pho Tang Giam dee PhO T6ng Giam doe

Pho Tong Giam d6c

Ke toan twang

Tai 1)6 nhiem ngay 21 thang 5 nam 2014 B6 nhiem ngay 10 thang 4 nam 2009 BO nhiem ngay 18 thang 02 nam 2013 BO nhiem ngay 15 thang 3 nam 2011 B6 nhiem ngay 08 thang 06 nam 2012

B6 nhiem ngay 9 thang 10 nam 2012

B6 nhiem ngay 11 thang 11 nam 2014

S6 77 - TrAn Hung Dao - Q.Hoan Kiem - TP.Ha NOi - Viet Nam

SHB Solid partnan, Aexible solutions

Ngiin hang TMCP Sal Con —HA N6i

2. DAc diem hot dCmg cfia to chtic tin dung

Ngan hang Thuong mai CO phAn Sai Gan - Ha Nei (clued day gig tat la "Ngan hang") IA met ngan hang tuong mai c6 phAn Vidt Nam thanh lap tai nuac Ceng has Xa hei Chit ngifia Viet Nam ved than gian hog dOng IA 40 nam theo 0041-NH/GP ngay 13 thang 11 !lam 1993 dia. Ngan hang Nha nu& Viet Nam.VOn dieu ld caa Ngan hang tai ngay 31/03/2017 la 11.196.891 trieu Sing (Med met nghin met tram chin muai situ ty tam tram chin mucri mot tridu

Nei s& chinh cfia Ngan hang d6t tai SO 77 - T 'ran Hung Dao - Q.Hoan Mem - Ha NOi - Vidt Nam. Tai ngay 30/06/2017 Ngan hang cO 5.433 nhan vien (Dau nam 2017: 5.541 nhan vien). Trong do, CN Lao tach thanh cong ty con ngay 15 thang 01 nam 2016, CN Campuchia tdch thanh cong ty con ngay 09 thdng 09 nam 2016. 3. Tem tit cac chinh sach ke toil' chit yeu

Chun nitre va the d¢ ke toan Ap dung Ngan hang trinh bay cac bao cao tai chinh theo Luat cac T6 chirc Tin dung, Luat suit ai va b6

sung met s6 dieu trong Luat cac TO chtic Tin clung, cac chuan muc ke toan Viet Nam va Hd thong Ke toan cac to chirc tin dung Viet Nam.

Ky bao cat) va don vi tien to Ky bdo cao caa Ngan hang bat dau tit ngay 01/04/2017 va ket thtic vao ngay 30/06/2017. Dan

vi tien to sir dung trong ghi chdp ke toan la ding Viet Nam (VND). Tuy nhien, theo quy dinh tai Thong to 49/2014/TT-NHNN ngay 31/12/2014 dm Ngan hang Nha nuac, cac s6 lieu tren Bd.° cao tai chinh dugc lam tree den hang tridu va trinh bay theo don vi tridu ding Viet Nam.

4. Nguyen tic ghi nhAn cac nghiep vu bang ngoyi tg va quy doi

Theo N thOng ke toan ctia Ngan hang, tat ca cac nghidp vu phat sinh cua Ngan hang dugc hach toan theo nguyen te. Ti thed diem cu6i nam, tai san va cong nq co ngu6n g6c ngo4i to dugc quy d6i sang VND theo ty gid quy dinh vao ngay 16p bang can d6i ke toan. Cac khoan thu nhap va chi phi bang ngoai to cua Ngan hang dugc hach toan bang VND theo ty gia vao ngay phat sinh thong qua giao dich mua bdn ngoai te. Chenh Lech gid do danh gid lai cac tai khoan kinh doanh ngoai td dugc hach town vao bdo cao Ket qua Hoat dOng Kinh doanh va lqi nhuan a lai. Chenh ldch ty gia phat sinh do quy dOi cac tai san va cong nq khdc bang ngoai to sang VND dugc xir ly vao doanh s6 cua cac khoan muc tuong img tren bang can d6i ke toan vao ngay lap bao cao tai chinh. 5. Chting khoan dau ttr gilu den nay dao hyn

Chi/11g khodn nq giir den ngay dao han la cac chimg khoan co Icy han c6 dinh va cac khoan thanh town co dinh ho6c c6 the xac dinh dugc va Ban Ring Giam dee ce, y dinh va ce, kha nang gift den ngay ddo han. Ngan hang dang ghi nhan cac chimg khoan nay theo gid g6c cong lai du thu trir lai chit phan b6. Gid tri phu trOi ho6c chiet khau (neu ceo) cling dugc phan anh vao gid tri ghi s6 cua khoan dau tu. Lai dugc du thu hoc phan b6 theo phuang phap &rang thang. Chimg khodn dugc giU den khi ddo han se dugc xem xdt ve kha nang giam gid. Chung khoan dugc lap du phong giam gid khi gid tri thi twang nho han gia tri ghi s6. Du phong giam gia dugc ghi nhan vao bao cao ket qua hog ding kinh doanh.

2

111SHB Solid pertrwais, ele■obis •olulione

Ngfin hang TMCP Shi Gen — Ha Ni45

6. Chan khoan dau to an sang de ban

Chimg khodn dAu to sAn sang a ban IA cdc chi:mg khodn dugc gift trong th6i gian khong An dinh tnrac, c6 the dugc ban a dap timg nhu cAu thanh khoan hodc de ling ph6 vii truing hgp thay di la' suit, ti gid, hodc gia tri chimg khodn. Ngan hang dang ghi nhAn cdc chimg khodn nay theo

gia gOc cOng ldi du thu trir Idi cher phan b6. Gid tri phu trUi hodc chi& khAu (neu c6) cling dugc

phan anh vac) gia tri ghi so cua khodn du tu. Lai dugc du thu hodc phan b6 theo phuong phdp

duong thing. Cdc chimg khodn nay (Rive danh gid dinh IcS/ theo gid tri thi twang va du phong gidm

gid tri se dugc lAp khi gid tri thi truerng nh6 hcm gid tri ghi sO. Du phong giam gid dugc ghi nhAn vAo bdo cdo ket quA hog &Ong kinh doanh.

7. Ch'ing khoan kinh doanh

Chimg khodn kinh doanh IA chimg khodn ban du dugc mua va nom gift cho muc dich kinh

doanh trong ngan hAn hodc neu Ban TOng Gam de quyet dinh nhtr vay. Ngan hang dang ghi nhan

cdc chting khodn nay theo gia gOc vac) ngay giao dich. Trong cdc Ic5/ tiep theo, cdc chtimg khodn tiep tuc dugc ghi nhAn theo gid g6c. Tuy nhien, gid tri thi tnrerng cita cdc chting khodn van dugc Ngan

hang theo d6i a danh gid ye khi nang giam gid khi gid tri thi twang thAp han gid gOc. NgoAi trir

truing hgp khong the xac dinh gid tri thi twang mut each chac chin thi gia tri cua cluing dugc tinh

dtra ten nguyen gid sau khi trir di ton thAt uac tinh (neu c6). Lai hodc 10 ter kinh doanh chting

khodn dugc ghi nhan tren bac, cdo ket qua hog dung kinh doanh theo s6 thuAn.

8. Cac khoin cho vay va Ong try& khach hang

Cdc khoan cho vay va ting truck khdch hang dugc c6ng b6 va trinh bay theo sO du nq gOc tai theri diem cuOi kj, ke town.

9. Dv phong riii ro tin dyng

Cdc khodn cho vay khdch hang dugc phan loAi theo Th6ng tu sO 02/2013/TT-NHNN ngay 21

thing 01 nam 2013 va Thong tu s6 09/2014/TT-NHNN ngay 18 thing 03 nam 2014 dm Ngan hang nha nu& ve viec phan loAi ng, trich 1Ap va sir dung du phong de xir 1j, rui ro tin dung trong hog

dOng ngan hang dm to chime tin dung vii cdc mut dO rui ro nhu sau: Nq du tieu chuan, Ng can chti

)%, Ng duai tieu chuan, Ng nghi ng6 va Ng c6 khi nang mat von dua vao tinh trAng qud hAn va cdc yeu to dinh Itrong khdc cua khoan cho vay.

Cdc khodn nq dugc phan loci IA Ng chrai tieu chuAn, Ng nghi ngir va Ng c6 khi nang mat von dugc coi IA ng xAu.

3

B1SHB Solid pennon, ilexib4e radtstions

Nein hang TMCP Sai Con — Ha N(ii

- Dv phong car the

Du phong cu the dugc trich lap ten rui ro tin dung thuAn dia cac khoan cho vay theo tS/ le

tucrng ung vai timg nh6m nhu sau:

A hom [0(11 tr h.; (/1Y/7/King c tt the

1 Ng dr tieu chuAn 0%

2 Ng can chi 3', 5%

3 Ng dual tieu chuAn 20%

4 Ng nghi ng6 50%

5 Ng c6 khd nang mat van 100%

Rni ro tin dung thuAn cua cac khoan cho vay khdch hang dugc tinh bang gid tri con Lai cua cac

khoan cho vay trir gid tri c8a tai san dam bdo da dugc chiet khAu theo cac tS/ theo quy dinh trong

th8ng to s6 02/2013/TT-NHNN, thong to so 09/2014/TT-NHNN.

- Dv piling chung

Ngan hang thuc hien trich lap va duy tri du phong chung bang 0.75% tang gia tri cac khoan ng

dugc phan loci tir nhom 1 den nhom 4, tit cac khodn tien gui tai to chirc tin dung trong nuac, chi

nhanh ngfin hang nuac ngodi tai Viet Nam theo quy dinh cua phap Ludt, tien girl tai to chile tin

dung nuac ngodi va cac khodn cho vay, mua c6 kj, han giAy t6 c6 gia dai vai to chic tin dung, chi

nhanh ngan hang nuac ngoai khac tai Viet Nam.

Du phOng rui ro tin dung tai Campuchia, Lao dp dung theo quy dinh hien hanh cua NHNN

Campuchia, Lao trong 14 bdo cdo tuang Cmg.

10. Tai san c6 dinh

Tai san c0 dinh dugc the hien theo nguyen gid trir di khAu hao lay ke. Nguyen gia bao gom

town b0 cac chi phi ma Ngfin hang phai be, ra a c6 &rot tai san co dinh tinh den thai diem dua tai

san d6 vdo tang thdi san sang sir dung. Tai san có dinh dugc tinh khAu hao theo *rang phdp

duang thing a trir dAn nguyen gid tai san trong suOt thoi gian hau dung uac tinh nhu sau:

- Nha cfra, vat kien trtic 25 nam

- May mac, thiet bi 03 - 05 nam

4

SHB Said partners. Seel* seise.).

Nem hang TMCP Sai Gan — Ha NOi

- Phuong tien van tai 06 - 10 nam

- Thiet bi van ph6ng 03 - 07 nam

- Tai san co dinh him hinh khdc 04 — 07 nam

- Phan mem may tinh 03 — 08 nam

- Tdi san c6 dinh vo hinh khdc 02 - 20 nam

Quyen sir dung dAt &roc khAu hao theo phuong phdp du6ng thAng phit hop voi Giay chimg

nhAn quyen sir dung dat. Quyen sir dung dAt vo tiled han dupe ghi nhAn theo gia g6c va khong tinh khau hao.

11. Tien va cac khan twang throng tien

Tien va cac khoan Wang duong tien bao gom tien met, yang, da quY, tien girl thanh toan tai

NHNN, tin phieu Chinh phu va cac giAy tey co gid ngan han du dieu kien chit khau v6i NHNN, cac

khodn tien gni thanh toan ya tien giri, cho vay tai cac to chirc tin dung khac cO th&i han dao han kh6ng qud 3 thang ke tir ngdy girl.

12. Cac cong cu tai chinh phai sinh

Cac cong cu tai chinh phdi sinh dugc ghi nhAn ten bang can do'i ke toan theo gia tri hqp dOng

vdo ngdy giao dich, ya sau db dugc danh gid lai theo gia tri hqp ly. Loi nhu'An hoAc 18 khi cac cong

c6 tai chinh phai sinh dugc thuc hien dugc ghi nhAn trong bao cao ket qua hoat d6ng kinh doanh.

Lqi nhuAn hoc to chtra thuc hien dugc ghi nhan vdo khodn muc chinh loch danh gia lai cac cong

cu tai chinh phai sinh tren bang can a ke toan va dugc ket chuyen vao ket qud hoat d6ng kinh doanh vdo th6i diem cuOi nam.

13. Ghi ni4n thu nha'p/ chi phi !Ai

Ngan hang ghi nhAn thu nhAp tir lai va chi phi lai teen bao cao ket qua hoat dOng kinh doanh

tren co sa du thu, du chi.

14. Ghi nhan thu nh4p tir phi va hoa hong dich vy

Ngan hang thu phi tir cac dich vu cung cap cho khach hang. Thu nhAp tir phi có the chia thdnh cac nhom sau:

• Phi thu tir viec cung cap dich vy trong mfn tht i gian nett dinh: Phi thu tir viec cung cap dich vu trong mgt titbit gian nhAt dinh dugc du thu trong suOt thari gian do. Phi nay

bao gem phi quan ly, phi nhAn ity thac, hoa hong va cac phi lien quan den cap tin dung,

quan ly tai san, phi quart ly danh muc va cac chi phi quan ly ding nhu phi to van khac.

5

SHB Solid partners. flexible exWiens

Nem hang TMCP Sli Con - HI NOi

• Phi Mu a vrec cung cap dich vu giao dich: Phi phat sinh to viec dam phan N/A tham

gia dam phan cac giao dich cho met ben thu ba, vi du nhu dan xep viec mua có phan hoc cac loci chang khoan khac hoac mua lai doanh nghi'ep , dugc ghi nhan khi hoan tat giao dich lien quan. Phi hodc met phan cda khodn phi nay cg lien quan den viec thuc hien met cong viec nhat dinh se duct ghi nhan khi hoan tat dieu ki'en tuang (mg.

fl

11 SHB Sod pariners, flexible sokutlaos

Nein hang TMCP Sal Con — Ha N6i

15. Tan mit, yang bac, di quSr

30/06/2017

Trieu clang

31/12/2016

Trieu clang

Tien mat bang VND 819,217 764,948

Tien mat bang ngoai to 367,715 483,637

Kim loci qq, old q4 2,424 1,331

1,189,356 1,249,916

16. Tan girl tad Ngan hang Nita rank

30/06/2017 31/12/2016

Trieu gong Trieu cldng

Tien gin thanh town tai Ngan hang Nha nu& 1,333,989 1,880,377

1,333,989 1,880,377

17. Tien, yang girl tai cac to auk tin dung khac

30/06/2017 31/12/2016

Trieu cljng Trieu cljng

Tan, yang grii khong 19) kin 16,648,539 12,135,786

- Bang VND 16,302,036 11,706,475

- Bang ngoai te, yang 346,503 429,311

Tiffin, yang giii có kJ) km 3,194,201 9,937,858

- Bang VND 2,219,138 8,165,138

- Bang ngoai te, yang 975,063 1,772,720

Cho vay 2,240,000 6,911,000

- Bang VND 2,240,000 6,911,000

Du phong rid ro tan girl va cho vay cgc TCTD khgc (5,137) (5,137)

22,077,603 28,979,507

SHB nets, flexible mm,.

Nem hang TMCP Shi Con — Ha NOi

18. Cie ding ca tai chinh phii sinh va cac tai san tai chinh khac

Tdng gia tri cua hap clung (theo ty gad' ngay

hieu luc hop clong) (trieu clung)

Tang gia tri ghi so ke toan

(theo tjr gia tat ngay lap bcio cow) (trieu clung)

Tai san Cong no

Tai ngay 30 thug 06 nam 2017

Cong cy TC phdi sinh 12,237,410 481

Giao dich ky han ti6 4,482,209 31,623

Giao dich hoan d6i ky han 7,755,201 31,141

Tai nghy 31 thang 12 nam 2016

Ging cy TC phdi sinh 12,155,301 45,843

Giao dich ky han tin ta 1,863,545 13,425

Giao dich hoan dui ky han 10,291,756 32,419

19. Cho vay khach hang

30/06/2017

Trieu clung

31/12/2016

Trieu clang

Cho vay cac tli chirc kinh t6, cd nhan trong nu6c 173,035,658 155,279,295

Cho vay chi& khau thucrng phieu va cac giay t6 c6 gia 7,529 6,669

Cac khoan tra thay khach hang 36,020 140,442

Cho vay bang von tai try tir cac TCTC Qu6c t6 ( WB, 794,702 1,397,771 JICA...)

173,873,909 156,824,177

8

iJ SHB Solid prolix.. Soilldie solutions

Ngan hang TMCP Sei Gen —Hit Niji

19.1. Phan tich chat ltrqng nq cho vay

30/06/2017

Trieu clang

31/12/2016

Trieu clang

Ng du tieu chudn 168,540,817 151,668,984

Ng can chit Y 2,135,923 2,206,346

Nq duai tieu chudn 368,489 247,332

Ng nghi ng6 1,088,611 944,513

Nq c6 khd nang mat von 1,740,069 1,757,002

173,873,909 156,824,177

Ty lg nq

30/06/2017 31/12/2016 cyo

Ty lg nq qua h4rt 3.07% 3.29%

Ty 1 nq xdu 1.84% 1.88%

19.2. Phan tich du. nq theo thOi gian

30/06/2017 31/12/2016

Trieu clang Trieu clang

Ng ngin han 83,345,062 72,591,516

Ng trung han 36,963,930 35,636,181

Ng clai han 53,564,917 48,596,480

173,873,909 156,824,177

SHB partnrs. Ilerible etliutbos

Ngfin hang TMCP Sai Gan — Ha NOi

19.3. Phan tich du nq cho vay theo doi tuvng khach hang va loai hinh doanh nghre'p

30/06/2017

Trieu gong

31/12/2016

Trieu gong

Cong ty Nha nu6c 9,377,819 5.39% 7,231,657 4.61%

Cong ty TNHH Nha nu6c 14,350,595 8.25% 12,412,504 7.91%

C6ng ty TNHH khac 26,090,610 15.01% 24,770,966 15.80%

Citing ty c6 phan von Nha nu6c 16,391,462 9.43% 15,120,292 9.64%

Cong ty c6 plan kW 71,799,328 41.29% 64,896,844 41.37%

Cong ty hop danh 9,186 0.01% 7,614 0.00%

Doanh nghthp to nhan 1,242,551 0.71% 1,565,104 1.00%

Doanh nghi6p c6 von du to nu& ngoai 28,201 0.02% 59,215 0.04%

Hop tac xA va lien hip hop tac xft 75,816 0.04% 64,345 0.04%

H6 kinh doanh, co nhan 32,357,583 18.61% 28,916,777 18.44%

Thanh phan kinh th khac 2,150,758 1.24% 1,778,859 1.13%

173,873,909 100.00% 156,824,177 100.00%

10

()) SHB Sthd paaInge. flexible stlutions

Nan hang TMCP Sal Gen - Ha NO

19.4. Phan tich du nq cho vay theo nginh kinh to

30/06/2017

Trieu clang

31/12/2016

Trieu d'dng

N6ng nghiep va lam nghiep va thity san

Khai khoang

Cong nghiep the bion, ch0 tao San xuAt va phan ph6i dien, khi dot, nuac nOng, hai nuac va di0u haa Ithong khi Cung cap nuov; host dOng quan 1S( va xir ly

tic thai, nuac thai

Xay clung

Ban buOn va ban le; sira chaa o to, m6 to, xe may va xe c6 dOng cc( khac

Van tai kho bai

Djch vu luu tit va an uong

Thong tin va truyen th6ng

Hog dOng tai chinh, ngan hang va bao him

Hoat dOng kinh doanh bat dOng san

Hoat dOng chuyen mon, khoa hqc va clang

nghe Hog dOng hanh chinh va dich vu ho trq Hoat dOng cua Dang COng san, to chirc chinh trj - xa hOi, quail ly nha nuac, an ninh guoc Ciao duc va dao tao

Y to va hog &Ong trq giup xa hOi

Ngh0 thuat, vui chui va giai tri

Hog dOng dich vu khac

Hog dOng lam thue ,cac cong,viec trong cac h0 gia Binh, san xuat san pham vat chat va dich vu t‘r fiat' clang cua hp gia dlnh

35,533,998

9,040,314

25,774,937

9,408,985

177,665

24,008,110

28,643,818

3,354,556

1,110,269

113,035

2,090,921

11,953,285

594,667

2,056,515

50,306

169,336

95,167

297,347

18,099,856

1,300,822

20.44%

5.20%

14.82%

5.41%

0.10%

13.81%

16.47%

1.93%

0.64%

0.07%

1.20%

6.87%

0.34%

1.18%

0.03%

0.10%

0.05%

0.17%

10.41%

0.75%

31,680,006

8,483,683

24,596,393

8,427,214

154,238

22,340,838

25,379,086

3,318,955

967,985

143,909

972,740

10,148,223

591,889

1,510,246

51,676

179,654

130,062

308,513

17,128,330

310,537

20.20%

5.41%

15.68%

5.37%

0.10%

14.25%

16.19%

2.12%

0.62%

0.09%

0.62%

6.47%

0.38%

0.96%

0.03%

0.11%

0.08%

0.20%

10.92%

0.20%

TOng du nu 173,873,909 100.00% 156,824,177 100.00%

11

III SHB Solid patnen. Made solution*

Ngfin Wing TMCP Sid Gen — Ha Nei

20. Dv phong rill ro tin ding

Dv phOng chung

Trieu clOng

Dv pheng cy the

Trieu eOng

KY nay (30/06/2017)

SO du du 14 1,018,726 672,476

Du ph6ng rill ro trich lap/hoan nhap trong Icy 50,913 61,308

Du pheng giam do xir 1y cac khoan nq kilo thu hiii bang du nguon phi:mg

(3,365)

S6 du cuOi ky 1,069,639 730,419

Ki, &war (31/12/2016)

SO du d6u ky 948,355 473,031

Dv phong rid ro trich lap/hoan nhap trong ky 120,589 354,384

Sir dung du pitting trong nam (167,263)

Tang do sap nhap VVF 940 15,403

Dv phong giam do tach CN Lao thanh cong ty con (4,866) (2,628)

Dv phOng giam do tach CN Cam thanh ding ty con (46,292) (451)

Chenh l&h ty gid

SO du cuoi ky 1,018,726 672,476

12

SHB SAW pennon, solvtiom

Nein hang TMCP Sill Gen — Ha NOi

21. Chun khoin du tit

21.1. Ching khan du fir sal' sang d ban:

30/06/2017

Trieu clang

31/12/2016

Trieu cldng

Cluing khan NQ' 13,052,008 10,754,899

Cluing khodn Chinh phd 6,077,585 6,426,048

Ching khoan Ng do cac TCTD kite trong nuac phat hanh 2,904,808 2,599,787

Ching khoan Ng do cac TCKT trong nuac phat hanh 4,069,615 1,729,064

Cluing khan Von 33,597 33,598

Cluing khoan Von do cac TCTD khac trong nude phat hanh 795 796

Cluing khoan Von do cac TCKT trong ntrac phat hanh 32,802 32,802

Dv phang gidm gia cluing khodn an sang do ban (121,229) (125,789)

12,964,376 10,662,708

21.2. Cluing khoan du ttr gia• den ngay din 4n:

30/06/2017

Trieu clang

31/12/2016

Trieu clang

Ching khoan Chinh phu 149,712

Chung khoan Ng do cac TCTD khac trong ntroc phat hanh 1,299,886 999,880

Cluing khoan Ng do cac TCKT trong nuac PH 8,575,354 8,439,973

Dd phong giam gia chirng khoan dau to gid dOn ngay dao

han (1,395,702) (1,255,938)

8,629,250 8,183,915

13

SHB Solid pariners, etlutiaolo

Ngan hang TMCP Sal Gen — Ha NOi

22. G6p von, dau tu dai han

30/06/2017

Trieu gong

31/12/2016

Trieu &rig

Dau tu vao ding ty con (*) 2,389,876 2,371,822

Cac khoan dau tu dai han khac 227,251 214,393

Dv pitting giam gia dau tu dai han (5,773) (5,838)

2,611,354 2,580,377

14

SHB Ngan hang TMCP Sal Gen - Ha NOi

23. Tai san co dinh him hinh: - Tang, giim tai san co dinh him hinh ky nay:

Nha dm, May m6c, thiet Phtrang tien vin tai,

Dan vi tinh: trieu clang

Dyng cy quail ly Tai san c6 (link khic COng Khoin myc vat Ian true bi truyen dan

Nguyen gig So du diu ky 287,771 290,758 193,358 85,667 26,530 884,084

SO tang trong ky 3,951 1,042 2,247 996 8,236

- Mua trong kjr 3,951 1,042 2,247 996 8,236

SO giam trong 14 (461) (2,544) (3,005)

- Thanh If ,, nhurng ban - - (461) (461)

-Gam khac - (2,544) (2,544)

291,722 291,800 192,897 85,370 27,526 889,315 SO du cuOi ky Gia tri hao mon luy ke SO du du ky 69,199 209,060 115,962 78,860 18,411 491,492

36,062 SO tang trong kj, 6,302 17,114 9,260 1,883 1,503

36,062 - KhAu hao trong kJ') 6,302 17,114 9,260 1,883 1,503

SOgiant trong ky (438) (438)

- Thanh 1y, nhurng ban j (438) (438)

75,501 226,174 124,784 80,743 19,914 527,116 SO thread ky Gia tri dm 10i ctia TSCD Tai ngay du ky 218,572 81,698 77,396 6,807 8,119 392,592

216,221 65,626 68,113 4,627 7,612 362,199 Tyi ngay cutd ky

15

SHI3 Ngfin hang TMCP Sai Con - Ha Ni

- Ting, giam tai san co dish hitu hinh k5r truo•c:

Khoan muc Nha dm,

vat Men frac Phoung den vin tai,

May m6c, thiet hi A

truyen dAn Dyng cy quan ly

Don vi tinh: trieu dang

TM sin co dinh Ccmg khac

Nguyen gia SO du du nam 234,555 279,728 171,386 86,353 25,248 797,270

- Chenh lech 4', gia 249 (141) 7 (1) (39) 75

- Mua trong nam 69,748 18,555 28,103 4,030 3,145 123,581

- Tang do sap nhap VVF 25,005 112 2,174 2,866 30,157

- Thank 4'1, nhwang ban (15,144) (148) (3,979) (1,697) (1,739) (22,707)

- Giam do tach Cam thank cong ty con (26,559) (4,169) (2,217) (5,326) (38,2 71)

- Giam do tach Lao thank cong ty con (83) (3,179) (2,115) (559) (85) (6,021)

sO du cutSi nam 287,771 290,758 193,359 85,666 26,530 884,084

Gil tri hao mon luy ke SO dir diu nam 66,560 178,058 101,236 73,347 17,760 436,961

- Chenh lech ty gia - - Khdic hao trong nam 13,638 34,364 19,255 7,370 4,843 79,470

- Tang do sap nhap VVF 5,775 112 2,173 2,340 - 10,400

- Thanh 13'7, nhwyng ban (5,867) (148) (3,979) (1,697) (1,739) (13,430)

- Giam do tach Cam thanh cong ty con (10,879) (1,282) (1,305) (2,148) (2,402) (18,016)

- Giam do tach Lao thank cong ty con (28) (2,044) (1,419) (352) (50) (3,893)

SO Mr cuOi nam 69,199 209,060 115,961 78,860 18,412 491,492

Gil tri con lyi ciut TSCD Ti ngay dAu nam 167,995 101,670 70,150 13,006 7,488 360,309

Tai ngay cuOi nam 218,572 81,698 77,398 6,806 8,118 392,592

16

SHB Ngfin hang TMCP Shi Con - Ha NOi

24. TM san co dinh vo hinh

- Ting, giim tai san di dinh vo hinh ky nay:

Dan v1 tinh trieu cldng

TSCD Khan myc Quyen stir dyng dat Phan mem vi tinh

vo hinh khac COng

Nguyen gia

SO (kr du ky 3,478,880 192,584 33,110 3,704,574

SO tang trong kj, 1,291 1,291

- Mua trong ky 1,291 1,291

SO dtr cluii kj, 3,478,880 193,875 33,110 3,705,865

Gia trj hao mon luj, ke

S6 dr dau ky 5,647 146,275 17,881 169,803

SO tang trong k3, 78 12,686 1,591 14,355

- Kluiu hao trong kS, 78 12,686 1,591 14,355

SO dr cuOi ky 5,725 158,961 19,472 184,158

Gia trj con lyi

Ti ngay du k5/ 3,473,233 46,309 15,229 3,534,771

Tyi ngay cuOi k5' 3,473,155 34,914 13,638 3,521,707

- Ting, giim di san do dinh vo hinh

Khoan myc

kj, trait

Quyen sa• dung &It

Phan mem vi tinh

Dan vi tinh trieu diing TM san CO

dinh COng

Nguyen gia

SO &rain nam 3,629,594 173,578 35,054 3,838,226

- Mua trong nam 5,356 21,678 - 27,034

- Tang sap nhep VVF 2,756 2,756

- Thanhb,, nhuvnig ban (156,032) (156,032)

- Giam do tach Cam thanh cong ty con - Giam do tach Lao thanh cong ty con (5,428) (1,944) (7,372)

- Giam khcic (38) - (38)

SO dr cuOi nam 3,478,880 192,584 33,110 3,704,574

Gia tri hao man luy Ice

SO dr dau nam 5,489 121,459 16,606 143,554

- Khdu hao trong nam 158 26,775 3,218 30,151

- Tang sap nhap VVF 1,709 - 1,709

- Gicim do tach Cam thanh cong ty con - -

- Gicim do tach Lao thanh cong ty con - (3,668) (1,943) (5,611)

SO dr cuOi tam 5,647 146,275 17,881 169,803

Gia tri con lyi

Tyi nghy dau nam 3,624,105 52,119 18,448 3,694,672

Tyi ngity cuOi nam 3,473,233 46,309 15,229 3,534,771

17

BS SIM Nein hang TMCP Sai GOn — Ha N6i

25. Tai san C6 khic

30/06/2017

Trieu ctjng

31/12/2016

Trieu cidwg

Cac khoan lai, phi phai thu 8,936,548 7,845,337

Cac khoan phai thu 568,527 807,720

Trong do: Cac khoan phai thu n6i b6 147,138 30,965

Cac khoan phai thu ben ngoai 421,389 776,755

Dv phong rai ro cho cac tai san C6 khac (143,520) (143,335)

Tai san C6 khac 13,990,237 11,997,828

23,351,792 20,507,550

26. Tien, ving gvi vi vay cic to chtic tin dyng khic

- Tien, ving giri cua cic to chi= tin dyng khic

30/06/2017 Trieu dthig

31/12/2016

Trieu deing

TMn, wing gal ;thong 4 hgn 18,666,714 11,834,300

- Bang VND 18,666,699 11,834,285

- Bang yang va ngoai te 15 15

Tiin, yang gai c6 10 hgn 5,553,705 11,009,220

- Bang VND 4,320,000 9,236,500

Bang yang ya ngoai te - 1,233,705 1,772,720

-fling 24,220,419 22,843,520

- Tien, ving vay cic to chin tin dyng khic

30/06/2017 31/12/2016

Trieu dang Trieu cidng

- Bang VND 6,657,291 8,920,878

- Bang yang va ngoai te 102,842 1,089,297

Tong 6,760,133 10,010,175

TOng tien, yang girl vi vay cic to chin tin dyng khic

30,980,552 32,853,695

18

54SHB Ngan hang TMCP Sal Gen — Ha NOi

27. Tien gin eau khfich hang

30/06/2017

Trieu cljng

31/12/2016

Trieu &dug

Tien, yang giri killing ky hun 17,211,995 18,936,821

- Tien giri khong1cS/ han bang VND 16,104,841 17,538,008

- Tien giri kh6ng kj, han bang yang, ngoai to 1,107,154 1,398,813

Tien, yang girl c6 ky bun 162,670,047 145,766,117

- Tien gin c6 kj, han bang VND 148,123,879 132,561,675

- Tien gin c6 ky han bang yang, ngoai to 14,546,168 13,204,442

Tien giri vim chuyen dung 223 24,389

Tien girl ky quy 1,005,129 1,168,323

tien tra Chuyen phai

180,887,394 165,895,650

28. Cac khoan nq khac

30/06/2017 31/12/2016

Trieu dOng Trieu clung

Cac khoan phai tra tuji b0 179,166 578,842

Cac khoan phai tra ben ngoai 256,631 374,192

Thue TNDN hoan lai phai tra

435,797 953,034

19

its SHB Nein hang TMCP Sai Gan — Ha NO4

29. VOn va cac quy cita t6 chat tin dung:

SO du du ky

VOn gop/VOn diet' le

Thing du von co phen

CO phieu guy

Quy Wu to phat trien

Quy Du phong tai chink

Quy Du trfrbO sung von dieu

le Quy khac

Lui Whom sau thue/ LO lay

Ice COng

11,196,891 101,716 (5,260) 20,013 668,162 305,658 1,022 834,801 13,123,003

Tang trong ky 716,297 716,297

Tang trong ky 682,104 682,104

Tang do Cam chuyen LN 34,193 34,193

Giam trong ky (20,000) (20,000)

Trich quS'i khen thuang phnc lgi

(20,000) (20,000)

Cam khac

SO du cu6i guy 11,196,891 101,716 (5,260) 20,013 668,162 305,658 1,022 1,531,098 13,819,300

20

SHB Ngan hang TMCP Sai Con — Ha Ni

30. Thu nhap tai va cac khoan thu nhap ttro•ng tir:

Tir 1/1/2017 den 30/6/2017

Trieu cldng

Tir 1/1/2016 den 30/6/2016

Trieu cljng

Thu lai tien gu•i 204,288 393,266

Thu iai tien vay 6,602,421 5,873,515

Thu iai tit kinh doanh, d'au to chirng khoan Ng 551,682 306,140

Thu khdc tir hog dgng tin dung 695,326 368,213

Thu khdc tir hot dgng bdo lanh 70,454 31,679

8,124,171 6,972,813

31. Chi phi 'Ai va cac khoan chi phi twang fir

Tir 1/1/2017 den 30/6/2017

Trieu ciljng

Tir 1/1/2016 den 30/6/2016

Trieu gong

Tra lai tien gin (5,401,536) (4,889,369)

Tra lai tien vay (270,175) (143,872)

Tra tai phat hanh gidy tg c6 gia (498,835) (312,579)

Tra tai tien thue tai chinh Chi phi hot dgng tin dung khdc (10,729) (6,862)

(6,181,275) (5,352,682)

32. LAi/ to thuAn tir hoyt (Icing dich vu:

Tir 1/1/2017 den Tir 1/1/2016 den 30/6/2017 30/6/2016

Trieu clang Trieu cking

Thu phi dich vy 158,119 109,493

- Hodt dgng thanh town 71,504 79,735

- Hodt dgng ngan quy 6,580 6,712

- Dich vg ddi ljf 1,299 1,484

- Thu phi dich vu khdc 78,736 21,562

Chi phi dich vu lien quan (27,646) (35,188)

- Hot dgng thanh town (10,512) (9,606)

- Hi:1dt Ong ngan quy (5,852) (5,238)

- Chi phi dich vu khdc (11,282) (20,344)

Lai/16 thuhn tir hoyt dgng dich vu 130,473 74,305

21

/03 SHB Ngfin hang TMCP Sai Gan — HA NOi

33. Chi phi hoot do, ng

Tir 1/1/2017 an 30/6/2017

Trieu cljng

Tir 1/1/2016 den 30/6/2016

Trieu clang

Chi Op thue va cac khoan phi, le phi (10,516) (14,237)

Chi phi cho nhan vien (651,836) (586,360)

Chi v'e tai san (190,837) (187,857)

Chi cho hodt dOng quan 151 cong va (200,273) (183,121)

Chi Op phi bac hiem, bao dam tin gai caa khach hang (67,423) (58,423)

Chi phi du phong (khong tinh chi phi dor phOng rai ro tin clang nOi va ngodi bang; du phong giarn gid chang khoan)

(200) (175)

(1,121,085) (1,030,173)

34. Tien va cac khoan Wong throng tin

30/06/2017 31/12/2016

Trieu clang Trieu clang

Tien mat va cac khoan Wang clucmg tien tai quy 1,189,356 1,249,916

Tien girl tai Ngan hang Nha nu& 1,333,989 1,880,377

Tien girl tai TCTD khac kh6ng kj, han 16,648,539 12,135,787

Tien gai tai cac to chirc tin dung khac c6 thoi gian

dao han dual 3 thang 12,499,579 9,937,857

31,671,463 25,203,937

35. Loai hinh va gig tri tai san the chap cfia khach hang

Gia tri s6 sach

Trieu clang

Gia tai thal diem 10p bao coo

30/06/2017 31/12/2016 30/06/2017 31/12/2016

Bat dOng san 155,801,915 142,241,371 155,801,915 142,241,371

DOng san 42,133,803 41,863,201 42,133,803 41,863,201

Chang tix co gia 20,519,739 18,331,934 20,519,739 18,331,934

Tai san khac 189,411,099 174,782,498 189,411,099 174,782,498

407,866,556 377,219,004 407,866,556 377,219,004

36. Nghia vu nq tient An va cac cam ket arra ra

Trong qua trinh hoot clOng kinh doanh, Ngan hang thkrc hien cac cong cu tai chinh lien quan

den cac khoan mac ngoai bang can doi ke toan. Cdc cong cu tai chinh nay chti yeu bao g6m cac

22

BS SHB Ngfin hang TMCP Sai Gan — Ha Ni

cam ket bao lanh va thu tin dung. Cdc ding cv nay cling tao ra nhimg rui ro tin dung cho Ngan

hang ngoai cac rui ro tin dung da dugc ghi nhan trong nOi bang.

Rai ro tin dung cua cac ding cv tai chinh ngoai bang dugc dinh nghia la kha nang mang den rill

ro tin dung cho Ngan hang khi met trong cac ben lien quan den cong cv tai chinh do khong thvc

hien cac dieu khoan cua hop &lg.

Bao Idnh tai chinh la cac cam ket c6 dieu kien ma Ngan hang cAp cho khach hang de giao dich

vai met ben thir ba trong cac hoat dOng ye bao lanh vay von, bao lanh thanh town, bao lanh thvc

hien hap dOng va bac) ldnh du than. Rai ro tin dung lien quan den viec cAp bdo lanh ve ca ban

giting rui ro cho vay khach hang.

Giao dich thu tin dung thuang mai tra ngay la loai giao dich trong d6 Ngan hang cung cAp tai

chinh cho khach hang ctia minh, thong thew la ngtr6i muainha nhap khau hang hod va ben thu

hu6ng la ngu6i ban/nha xuAt khAu. Rai ro tin dung trong thu tin dung tra ngay thuorig thap do

hang hod nhap khau dugc dung a the chap cho loai giao dich nay.

Giao dich thu tin dung tra cham se phat sinh rui ro khi hop dOng da dugc thvc hien ma khach

hang kh6ng thanh town cho ben thu huOng. Cac thu tin citing tra cham kh6ng dugc khdch hang

thanh town dugc Ngan hang ghi nhan la khoan cho vay bdt buec va cong ng tucmg ling the hien

nghia vv tai chinh cua Ngan hang phai thanh town cho ben thu htrang va thvc hien nghia vv cua

Ngan hang trong viec bao lanh cho kWh hang.

Ngan hang thu6ng yeu cau khdch hang 14 quy de dam bao cho cac cong cv tai chinh c6 lien

quan den tin dung khi can thiet. Gid tri ky quy dao dOng tit 0% den 100% gia tri cam ket dugc cAp,

thy thu6c vao mire dO tin cay cUa Ichdch hang do Ngan hang danh gia.

Chi tiet cac khoan cong ng tiem an va cam ket ngoai bang vao ngay 30 thang 06 nam 2017

nhu sau:

30/06/2017 Trieu clang

31/12/2016 Trieu clang

Bao Idnh vay yen 164,847 163,683

Cam ket trong nghiep vv LC 10,071,453 10,670,815

Bao Lanh khac 15,537,237 12,407,598

Cam ket khac - 25,773,537 23,242,096

37. Giao dich vsfri cac ben lien quan

Giao dich vai cac ben lien quan la the giao dich dugc thvc hien vai cac ben c6 lien quan vai

Ngan hang. Cdc ben dugc coi IA lien quan neu met ben co kha nang kiem soat hoc c6 anh huang

dang ke dOi v&i ben kia trong viec ra quyet clinh d6i vai cac chinh sach tai chinh va hoat dOng. Met

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

23

1111 SHP

Ngan hang TMCP Sal Gen — Ha NOi

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

► kiem sat hoac bi kiem soat hoac chit' su kiem sat chung bbi Ngan hang (bao gom

cac gong ty mg, cong ty con);

co► yen g6p vao Ngan hang va do d6 c6 anh hu8ng clang ke tai Ngan hang;

• c6 quyen ding kiem sat Ngan hang;

(b) Ben lien quan là ding ty lien doanh, lien ket ma Ngan hang IA met ben lien doanh, lien ket;

(c) Ben lien quan c6 thAnh vien la nhan su chinh trong Ban Teng Giam dOc cua Ngan hang

hoac cong ty me dm Ngan hang;

(d) Ben lien quan lA thAnh vien mat thiet trong gia Binh cAa bat kY ca nhan nao da neu trong

diem (a) hoac (c);

(e) Ben lien quan IA met to chirc true tiep hoac gian tiep chiu su kiem soat, ding kiem soat

hoac chiu anh hu8ng dang ke, hoac cid quyen bieu quyet bAt kjf ca nhan nAo dtrqc de cap den

trong diem (c) hoac (d).

T6m tat met so giao dich lin v6i cac ben lien quan trong Qu1 2 nam 2017 nhu sau:

Cfic giao dich Tri'eu ding

Thu lai cho vay 18,066

Tem tit cac khoan phai thu phai tra cac ben lien quan tai theri diem 30 thang 06 nam 2017 nhu sau:

Ph& thu Phki tra

Cdc giao dich Trieu ding Trieu (Mug

Cho vay 105,145

Ky quy de kinh doanh cluing khan Uy that du to Tien giri khong ky han 306,217

Tien giri c6 ky han 1,357,683

Dau tu vao cac ben lien quan 2,474,582

Cac khan du tu trai phieu Lai phai thu tir cho vay, UTDT, dau to trai phieu 270,582

Ven gdp cua cac ben lien quan 1,191,991

Phal tra iai tien giri 15,095

Phi quan ly phai tra

2,850,309 2,855,891

38. Chinh sach quail 1ST rai ro lien quan den cac cling cu tai chinh

Muc tieu cita Ngan hang là tei da h6a gia tri dau tu cua ce (long, Orr viIng tic d tang truing

Iqi nhuan va tinh hinh tai chinh lanh manh. Do vay, vice sir dung cac tong cu tai chinh, bao gom

nhan tien gui cua khach hang va du tu vao cac tai san tai chinh co chat lung cao da tra thanh

hoat Ong mang tinh then chit gidp Ngfin hang (tat cluvc mire chinh lech lai suat can thiet. Xet tir

24

SHB Ngan hang TMCP Sai Gan — Ha NOi

khia canh quan ly rill ro, dieu nay dei hai Ngan hang ket hop mot each can del gift cac cam ket

ngoai bang (nhu bao ldnh va thy tin dung) vai cac khoan cho vay (bang deng nOi to ding nhu

ngoai te) doi vbi cac ca nhan va to chirc thu6c cac mire dO tin cdy khac nhau. Ben canh da, Ngan

hang ding du tu mot Oast von luu d6ng vao cac chimg khoan du tu hay cho cac ngan hang khac

vay. Nhang rtii ro lien quan den trao doi ngoai to va thay doi lai suit duqc quan 15r thong qua ap

dyng han mire tang thdi nham han cite sy tap trung qud mire deng tiled tham gia vao cac hog dOng

tac dung can bang lin nhau de giam thieu rui ro. Thong qua viec nam gift nhieu tai san la cac

ding cu tai chinh c6 chat lugng cao, ca cau bang can d6i ke toan hop nhat cua Ngan hang c6 du

kha nang phang ngira rui ro trong yeu trong qud trinh hog clang kinh doanh va dam bao kha nang

thanh khoan. Them vao do, Ngan hang ding tham gia vao nhieu giao dich phOng ngira rui ro lien

quan den cac ding cu tai chinh nhu cac cam ket hoan del ngoai to cho myc dich quan IS/ rui ro

suit.

Trong qua trinh quan 1y rui ro tin dyng, Ngan hang dd sir dung co hieu qua Cam nang Tin dung

trong da ghi chi tiet cac chinh sach va tha tyc cho vay ding nhu cac huang din thtrc hien de chuan

h6a cac hog dOng tin dyng cua Ngan hang. Rai ro thanh khoan ducc han the thong qua viec nam

gift mot so Itrong lan tien mat va cac khoan Wang duang tien dun ding tai khoan Nostro, cac

khoan tien giri c6 kS, han tai Ngan hang Nha nu& va cac to chirc tin dung khac va cac giay tb c6

gid. Cac tS1 le an toan c6 tinh den yeu to rui ro ding duqc sir dyng de quan 1y rui ro thanh khoan.

Ngan hang thtftg tien harth dinh gia chinh lech tai suit, so sanh vai cac thi twang trong nuac va

quOc to de c6 nhang dieu chinh kip thai. Them vao dO, viec ap dung cac quy trinh quan ly rui ro

not b0 cung troy nen hieu qua hon nha viec trien khai He thong Quan ly Von Tdp trung va He thong

Thanh town Tap trung, theo do toan b6 cac giao dich von va thanh toan c6a Ngan hang deu do HOi

s& chinh thyc hien. Viec de cho pile!) Ngan hang gidm sat hieu qua hon cac Wen doi ve von va

giam cac sai set c6 the xay ra ding nhu nhang thit tyc phirc tap khong can thiet.

39. Rai ro tin dying

Rui ro tin dung IA kha nang xay ra ten that trong hog d6ng ngan hang dm to chirc tin dyng do

khach hang khong thyc hien hoc khong c6 kha nang thyc hien nghia vu cua minh theo cam ket.

Ngan hang kiem soat va quan ly rui ro tin dung bang cach thiet Idp han mire thanh toan Wang

(mg vai mire d6 rui ro ma ngan hang c6 the chap nhan duqc d6i vai mei khdch hang va d6i voi mei

linh vyc dia 15/, nganh nghe.

Ngan hang da thiet lap quy trinh scat xet chat ltrqng tin dung cho phep du bao slim nhang

thay dei ve tinh hinh tai chinh, kha nang tra nq caa cac ben di tac dui tren cac yeu to dinh tinh, dinh Itroang. Han mire tin dyng dei vai mei khach hang duqc thiet lap thong qua viec sir dung he

25

NgAn hang TMCP Sai Con — HA NOi

thong xep hang tin dung, trong d6 moi khach hang dugc xep loai a met mire de rui ro. Mire dO

rai ro nay c6 the dugc sira doi, cap nhAt thuang xuyen.

40. Riii ro thi truivng

40.1. ro Mi sad

Thai han dinh lai ldi suit thuc to la thai han con lai tinh tir thai diem lap bao cao tai chinh

cho tai ky dinh lai lai suit gin nhit cua cac khoan muc tai san va ngtiOn

Cac gia dinh va dieu kien sau dugc ap dung trong phan tich thai han dinh lai lai suit thuc to

caa cac tai san va cong nq cud. Ngan hang:

► Tien mat, yang bac da quy; gep On du to dal han va cac tai san c6 khac (bao gom tai

san c6 dinh, bat d6ng san dau tu va tai san c6 khac, trir uy thac du tu) &roc xep loai

khoan muc khong bi anh huang do dinh lai lai suit;

► Tien girl tai Ngan hang Nha nu& Viet Nam dugc xep loai tien gui thanh toan do d6 ky

han dinh lai ldi suit thuc to dugc xep loai den met thang;

► Thai han dinh lai 151 suit -dive to cua chirng khodn dau to va chimg khoan kinh doanh

dugc tinh dui tren thai gian dao han thuc to tai thai diem lap bao cao tai chinh cua

timg loai chimg khoan;

► Thai han dinh 14i tai suit thuc to cua cac khoan tien gui va cho vay cac TCTD; cac

khodn cho vay khach hang; cac khoan nq chinh phi yd. Ngan hang NM ntrac Viet Nam; cac khoan tien giri va vay cac T6 chirc tin dung va khoan muc tien giri cua khach

hang &roc xac dinh nhu sau:

Cac khoan muc c6 Idi suit CO dinh trong suOt thai gian caa hgp dOng; Thai han dinh lai !di

suit thuc to dua tren thai gian dao han thuc to tinh tir thai diem lap bao cao tai chinh.

Cac khoan muc c6 Idi suit tha nOi: Thai han dinh lai iai suit thuc to cua cac hop deng cho

vay c6 thai gian dao han con lai duai 6 thang dugc xac dinh dua tren thai gian dao han con lai;

cac hgp dng c6 thai gian dao han can lai tren 6 thang dugc xep vao loai tir 3 thing den 6 thang

do ky dinh lai Idi suit dm Ngan hang tOi da la 6 thang met lin.

► Thai han dinh lai lai suit thuc to cua khodn muc nguOn von tai trq uy thac du tu, cho

vay ma to chirc tin dung chiu rdi ro dirge tinh dua ten thai gian dao han con lai cua

tong hop deng;

► Thai han dinh lai ldi suit caa cac khoan nq khac dirge xep vao khoan muc khong bi

anh huang do dinh lai tai suit hoc ky han tir 1 thing den 3 thang. Trong thuc te, cac

khoan muc nay c6 the c6 thai gian dinh lai lai suit khac nhau.

26

1161 S H13 SONO partnere. fiexql• seiattlons

Ngan hang TMCP Sai Gen — Ha NOi

Don vi Triu ding

Qui han Khong chin

lit A Den 01 thing

Tir 01 - 03 thing

Tir 03 - 06 thing

Tfr 06 - 12 thing

Tfr 01 - 05 nim

Trin 05 nim

Tang

TAI SAN

1. Tien mit yang bac, da qu)",

2. Tien giri tai Ngan hang Nha ntric Tien giri Lai va cho vay cite to chdc tin dung khac

3. (*) 4. Chdng khoan kinh doanh (*)

5. Cac cOng co tai chinh phdi sinh va cac tai sin tai chinh khac (*)

6. Cho vay Ichach hang (*)

7. Chung khoan flail to (*)

8. Gip von, dau to da't han (*)

9. Tai sari c6 (trill va bat ding sin dau tir

10. Tai san Co khac (*)

5,137

5,333,092 150,000

1,926,309

1,189,356 1,333,989

2,359,396

-

33,599 2,617,127

3,883,906 21,569,003

18,874,103

64,193,031 611,704

2,312,000

74,456,921 1,322,123

891,500

23,846,125 3,954,094

4,004,102

300,000 -

1,550,772 8,269,843

489,866 8,469,194

-

1,189,356 1,333,989

22,082,740

2,359,396

173,873,909 23,110,557

2,617,127 3,883,906

23,495,312

Tang tai sin 7,414,538 32,986,376 83,678,838 78,091,044 28,691,719 4,304,102 9,820,615 8,959,060 253,946,292

NQ Paid TRA Tien &id caa va vay tir Ngan hang Nha mak vi cac

1. 1 to chdc tin dung khac

2. Tien gin caa khach hang Cic ding co tai chinh phai sinh va cac khoan no tai

3. chinh khac Van tai tro, ay that dau tu, cho vay ma t6 chAc tin

4. dung chiu raj ro

5. Phat hanh giAy ti 05 gid

6. Cac khoan no Idtdc

481

3,990,268

26,791,672

60,005,727

659,978

2,090,000

-

4,264,070

38,488,497

473,482

2,335,000

-

907,197

41,432,790

1,214,101

6,024,855

-

35,176,760

400,000

3,600,000

2,047

5,780,260

1,000,673

-

14,355

3,360

2,000,000

31,979,341

180,887,394

481

2,747,561

17,050,528 3,990,268

Tang nu phii tri 3,990,749 89,547,377 45,561,049 49,578,943 39,176,760 6,782,980 2,017,715 236,655,573

Mac chinh nhiy cam vari lit suit nal bing 7,414,538 28,995,627 (5,868,539)

Cac cam ket ngoai bang c6 tic dung tai mire d6 nhay cam vii la; suit dm cac tai sail va cong no (ring)

32,529,995 (20,887,224) (34,872,658) 3,037,635 6,941,345 17,290,719

Mire chenh nhuy elm vii lit suit nai, ngoai bang 7,414,538 28,995,627 (5,868,539) 32,529,995 (20,887,224) (34,872,658) 3,037,635 6,941,345 17,290,719

27

1 SHB Sold partrwo. NI1411i0416

Nan hang TMCP Sal Can - Ha N§i

40.2. Rai ro tien tg

Rui ro tien to la rui ro ma gia tri cita cac cong cu tai chinh bi thay doi xuat phat tir nhang

thay doi ye tY gia.

Ngan hang duqc thanh lap va hoat clang tai Viet Nam vai deng tien bao coo la VND. Deng

tien giao dich chinh cua Ngan hang cling la VND. Cac khoan cho vay va ling tnrac kWh hang cua Ngan hang chit yeu bang VND, mat phan bang USD va EUR. Tuy nhien, mat se tai san

lchac cita Ngan hang lai bang cac clang tien khac ngoai VND, USD va EUR. Ngan hang da dua ra met he thong han mirc de quart 1y trang thai cua cac clang tien. Trang thai clang den duqc

quan ly tren cot sb hang ngay va chin luot phong ngira riti ro dugc Ngan hang sir dung de dam

bao rang trang thdi cua cac ding tien dtrot duy tri trong han mirc da thiet

28

SHB Solid pa•trrofe, flexible edwIlons

Ngfin hang TMCP Sai Gen — Hi NOi

Phan loci tai san va cong ng theo loci tien to (la &rot quy d6i sang VND vao ngay 30 thang 06 num 2017 nhu sau:

Chi tau

Thi sin

EUR dutyc quy doi VND

USD imp quy doi VND

Cic ngoai tg kink dtnyc quy VND

Don vi: Tr0u VND

Ting

1. Tan mat yang bac, di quy 65,671 296,980 7,489 370,139 2. Tan gat tai Ngan hang Nha nu& 374,585 374,585

3. TiOn gni tai va cho vay cac to chic tin dong khac (*) 96,719 1,116,549 108,299 1,321,566 4. Ching khoan kinh doanh (*) 5. Cac cling co tai chinh phai sinh vi cac tai sin tai chinh khac (5) 112,843 1,847,365 48,871 2,009,079

6. Cho vay khach hang (5) 15,877 8,298,752 8,314,629

7. Chung khoan dau to (') 8. G6p von, dau tu dui hart (5) 2,222,166 2,222,166

9. Tai san co dinh va bit dOng san dau tu 10. Tai sin C6 khac (5) 5,588,980 161 5,589,141

Ting tai sin 291,110 19,745,377 164,820 20,201,307

Nq phii tri vi yin chit sir hiru

1. Tan giri cua va vay tv Ngan hang Nha nuic va cac to chic tin dong khac 1,336,562 1,336,562

2. Tan girt dm khach hang 277,682 15,293,338 97,384 15,668,404

3. Cac cong co tai chinh phai sinh va cac khoan ng tai chinh khac 1,038 2,165,288 57,957 2,224,283 4. Von tai 'Mg, try thac dau tu, cho vay ma to chic tin dong chit' nli ro - 939,859 - 939,859

5. Phat hanh giay tO c6 gii - - - - 6. Cac khoan nct khac 12,953 146,956 1,398 161,307

7. VOn va cac quy - - - Tong nsr phai till va v611 chit sir hay 291,673 19,882,003 156,739 20,330,415

Trang that tan 0 nit bang (563) (136,626) 8,081 (129,108)

Trang that tan it§ ngoai bang (52) (52)

Trang that tan 0 nit ngoqi bang (615) (136,626) 8,081 (129,160)

29

SI SHB Solid Mr., IMO* .out nu

Ngfin hang TMCP Shi Gen — Ha NOi

40.3. Rai ro thanh khan

Rui ro thanh khoan la rui ro Ngan hang gap kha khan trong viec thuc hien nhang nghia vu cho cac cong nq tai chinh. Rui ro thanh khoan ph& sinh khi Ngan hang c6 the khong du kha nang thuc hien nghia vu tra nq khi nhang cong nq nay den han a nhOng thai diem binh thuang hoac kh6 khan. De giam thieu rui ro thanh khoan, ngan hang phai huy Ong to nhieu nguOn da Bang khac ngoai nguOn von ca ban dm ngan hang. Ding thai ngan hang can c6 chinh sach quan ly tai san c6 tinh thanh khoan linh hog, theo dSi dong tien tucmg lai va tinh thanh khoan hang ngay. Ngan hang cling can danh gia clang tien du Men va kha nang san c6 cua tai san darn bao hien tai trong tnrang hqp can huy dOng them nguh von

Thai gian ddo han cua cac tai san va cong nq the hien thai gian con lai cua tai san va cong nq tinh tir ngay lap bao cao tai chinh den khi thanh toan theo quy dinh trong hqp dOng hoac trong dieu khoan phat hanh.

Cac gia dinh va dieu kien sau duqc ap dung trong phan tich thai gian den han cua cac tai

san va cong nq cua Ngan hang:

► Tien girl tai Ngan hang Nha nuac Viet Nam duqc xep loai tien giri thanh town, trong do bao gom tien giri du tit bat buOc. SO du dm tien giri du tilt bat buOc phu thuc vao thanh phan va kj/ han dm cac khoan tien giri khach hang cim Ngan hang;

► Thai gian ddo han cua chimg khodn dau tu duqc tinh dkra tren ngay dao han cua timg

loai chimg khoan;

► Chirng khoan kinh doanh duqc xep vao loai kSf han den 1 thang;

► Thai gian den han cua cac khoan tien giri va cho vay cac TCTD va cac khoan cho vay khach hang duqc xac dinh dua vao ngay den han cua hqp dong quy dinh. Thai gian den han thuc te c6 the thay dOi do cac khe ix& cho vay duqc gia han. Ngoai ra, cac khoan cho vay khach hang duqc the hien bang gid tri goc kh8ng bao gom du phong rui ro;

11.- Thai gian den han cua cac khoan dau tu gap von mua CO phan duqc coi IA han mgt nam do cac khoan du tu nay khong c6 thai gian ddo han xac dinh;

► Caz khoan tien giri, lien vay cua cac to chirc tin dung va cac khoan tien giri cua khach hang duqc xac dinh dua vao tinh chat cila cac khoan nay hoac thai gian dao han tren hqp ding. Tai khoan Vostro va tien girl thanh town duqc thuc hien giao dich theo you ch cua khach hang va do do duqc xep log khong kS/ han. Thai, gian dao han dOi vai

cac khoan va tien gui kj/ han duqc xac dinh dua tren ngay den han theo hop dOng. Trong thuc te, cac khoan nay c6 the duqc quay vang va do do duy tri trong thai gian dai han thai gian ciao han ban du;

► Thai gian den han cua tai san CO dinh duqc xac dinh dua vao thai gian sir dung hitu ich can lai cua tai san.

30

5,137

1,189,356 1,333,989

18,874,103

2,359,396

2,312,000 891,500

1,189,356 1,333,989

22,082,740

2,359,396

3,357,933 150,000

1,926,309 5,439,379

1,975,159 16,640,282 38,600

3,466,882 21,083,655

1,975,159 64,986,263

19,230,449 56,907,914

200,000 1,644,113

516 19,969

7,899 223,072

21,750,864 59,686,568

47,542,168 28,220,004

12,308,717 8,769,127 2,617,127

124,619 271,920

249,372 5,005 60,224,876 39,883,183

173,873,909 23,110,557

2,617,127 3,883,906

23,495,312 253,946,292

25,966,085

3,875,730

1,853,689 253,003 30,834 31,979,341

60,005,727

38,488,497

76,609,550 5,780,260 3,360 180,887,394

481 481

659,979

2,090,000 3,990,268

92,712,540 1,975,159 (27,726,277)

473,482 934,703 325,532 353,865 2,747,561

2,335,000 9,624,855 3,000,673 17,050,528

- - 3,990,268

45,172,709 89,022,797 6,358,795 3,388,732 236,655,573

(23,421,845) (29,336,229) 53,866,081 36,494,451 17,290,719

5,439,379

SH13 Selld partream. ftelbrntlons

Ngan hang TMCP Sid Gen — Ha N ii

DOT Vi : Trieu dOng

Trong han Qui han

Den 01 thing Tir 01 - 03 thing Tir 03 - 12

thing Tir 01 - 05 Trin 05 nim TOng

ant Chi tieu Tren 03 thing Den 03 thing

TAI SAN 01 Tien mat yang bac, di quY 2. Tien gii tai Ngan hang Nha nu&

3. Tien gui tai vi cho vay cic to chic tin dung khic (*)

4. Ching Ichoin kinh doanh (*) Cac tong cu tai chink phdi skit vi cic tai sin tai

5. chinh !chic (*) 6. Cho vay khach hang (5) 7. Ching khodn dan to (5) 8. G6p von, dau to dai han (5) 9. Tai san co. dinh va bat dOng sin dau to 10. Tai sin CO khic (5) Tong tii sin

Nq PHAI TRA

1. Tien gui cia va vay tar Ngin hang Nha nu& va cic to chic tin dung khac

2. Tien girl cira khich hang Cdc cong cu tai chinh phii sinh vi cic khoan nq tai

03• chiral khic Van tai try, ay that clan tu, cho vay ma to chic tin

4. dung chili rOi ro 5. Phat hanh giAy ter co gid 6. Cac !Moan nq khic TOng nq phai tra Mac chinh 1?ch thanh khoin ring

31

BS SHB SeNS Yin. nexible edullons

Ngan hang TMCP S6i Gen — Ha Ni

41. Thong tin ban cao 4 ph4n

- Thong tin bdo cdo by phOtt theo lush vtiv kinh doanh:

1. Tin dying 2. Wu tir 3. Dich vy 4. Ngutn von 'Ding cOng

TM sin 189,419,712 29,739,229 2,789,044 28,526,888 250,474,873 235,185,283

1. TS BO phYn 181,967,339 29,540,016 108,725 23,569,203 15,289,590

2. TS phan tit 7,452,373 199,213 2,680,319 4,957,685 (236,655,573)

NguOn van (563,093) (3,156) (366,152) (235,723,172) (236,413,350)

1. Ng phai tra bi) ph4n (445,030) (323,689) (235,644,631) (242,223)

2. Nq phan bt (118,063) (3,156) (42,463) (78,541)

32

BM SHIT Ngfin hang TMCP Sai Gen - Ha Niji

- Thong tin brio crio bo phtin theo khu vve din

Tie 01/01/2017 din 30/06/2017 Ket qua kinh doanh by phan

Man Blic Trik'u VND

Mien Trung Tri"411 VND

Man Nam Tri0 VND

Tang cong TriO VND

Thu nhap ini thuan 1,274,284 455,440 213,171 1,942,895 Lai thuan tir hoat Ong dich vu 118,577 10,039 1,857 130,473 Lai thuan tir hoat drjng kinh doanh ngoai hoi 5,627 4,537 906 11,070 Lai/(18) thuan tir mua ban chi:mg Ichoan kinh doanh - - - Lai/(I8) thuan tir mua ban chUng khoan dau tu (12,088) - (12,088) Lai thuan tir hoat Ong khac (1,936) 7,822 20 5,906 Thu nhap tir gyp von, mua CO plan 696 - 696 Chi phi hoat dOng (823,607) (211,329) (86,149) (1,121,085) Lcri nhuan thulin tir hoyt dung kinh doanh trur6•c chi phi dor phang rai ro tin dung

561,553 266,508 129,806 957,867 Chi phi du phong raj ro tfn dung (233,399) (22,341) 3,609 (252,131) Tang loi nhuan trirdec thud 328,154 244,167 133,415 705,736

TO ngity 30/06/2017 TM san Tien mat va yang 821,699 252,428 115,229 1,189,356 Tien girl tai Ngan hang Nha ntrac 1,314,586 7,262 12,141 1,333,989 Tien girl va cho vay cac to chirc tin dung ("TCTD") khac 22,073,585 1,241 2,777 22,077,603 Cho vay khach hang 122,628,955 33,047,859 16,397,037 172,073,851 Dau tu tai chinh 26,564,376 26,564,376 Tai san c6 djnh 3,852,711 21,775 9,420 3,883,906 Tai san khac 25,103,866 508,046 (2,260,120) 23,351,792 TONG TAI SAN 202,359,778 33,838,611 14,276,484 250,474,873

Noy phai lira Tien giri va vay cac TCTD khac 30,980,911 39 83 30,981,033 Tien girl khach hang 136,564,716 33,131,238 11,191,440 180,887,394 Huy dijng khac 18,128,878 2,668,000 20,796,878 No phai tra khac 3,243,556 463,166 283,546 3,990,268 TONG NQ PHAI TRA 188,918,061 33,594,443 14,143,069 236,655,573

33

SHB Solid patina, flub* •olullarls

Ngan hang TMCP Sai Gan — Ha N6i

TiL7 GIA MOT SO LOAI NGOAI TE VAO THdI DIEM CUOI QUY

30/06/2017 31/12/2016 VND VND

USD 22,431 22,159

EUR 25,941 23,936

GBP 29,583 28,091

CHF 23,722 22,357

JPY 203 195

SGD 16,505 15,717

AUD 17,454 16,422

HKD 2,913 2,935

CAD 17,503 16,943

CNY 3,354 3,277

LAK 2.7181 2.7071

XAU 3,634,000 3,630,000

Ha Is 10i, ngery thong nom 2017

1("TOng Giam DOcny

/0027

NGAN HANG -s

W ANG Me 0 PHA

SA1 CON- H N

. — PHO TONG G!AM DOC

Ili/4'; Mt 0/61

1,413 bieu Ke toan truirn

DO Thanh Pluron Ngo Thi Van

34