notes to the consolidated financial statements - Sacombank

44.1.6 Concentration of risks of financial assets with credit risk exposure
(a) Geographical sectors
The following table breaks down the Group’s main credit exposures at their carrying amounts, as categorised by
geographical region as at 31 December 2011 and 2010. For this table, the Group has allocated exposures to regions based
on the country of domicile of the counterparties.
2011 Vietnam Cambodia Lao Total
Million VND Million VND Million VND Million VND
Balances with the State Bank
Placements with and loans to other credit
2,459,705 234,849 112,796 2,807,350
institutions
Loans and advances to customers:
9,133,350 165,177 322,782 9,621,309
- To individuals 27,016,129 324,513 166,499 27,507,141
- To corporate entities 51,569,963 842,093 620,290 53,032,346
Derivatives and other financial assets
Investment securities:
2,852 - - 2,852
- Debt securities – available for sale 24,012,151 - - 24,012,151
- Debt securities – held to maturity 180,000 - 52,124 232,124
Other financial assets 5,642,075 - 4,967 5,647,042
At 31 December 2011 120,016,225 1,566,632 1,279,458 122,862,315
Credit risk exposures relating to off-balance
sheet items:
Financial guarantees 2,614,126 - - 2,614,126
Letters of credit commitment 5,649,112 - - 5,649,112
At 31 December 2011 8,263,238 - - 8,263,238
ANNUAL REPORT 2011 146