notes to the consolidated financial statements - Sacombank

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147 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS For the year ended 31 December 2011 Form B 05/TCTD - HN 444.1.6 Concentration of risks of financial assets with credit risk exposure (continued) (a) Geographical sectors (continued) 2010 Vietnam Cambodia Lao Total ANNUAL REPORT 2011 Million VND Million VND Million VND Million VND Balances with the State Bank 3,336,797 165,117 117,059 3,618,973 Placements with and loans to other credit institutions 21,209,735 - - 21,209,735 Loans and advances to customers: - To individuals 31,241,121 772,632 223,143 32,236,896 - To corporate entities 49,470,621 535,435 241,851 50,247,907 Derivatives and other financial assets 7,081 - - 7,081 Investment securities: - Debt securities – available for sale 19,001,250 - - 19,001,250 - Debt securities – held to maturity 2,007,504 - - 2,007,504 Other financial assets 3,495,185 30,443 6,904 3,532,532 At 31 December 2010 129,769,294 1,503,627 588,957 131,861,878 Credit risk exposures relating to off-balance sheet items: Financial guarantees 1,994,848 - - 1,994,848 Letters of credit commitment 5,188,190 - - 5,188,190 At 31 December 2010 7,183,038 - - 7,183,038 ANNUAL REPORT 2011 147
44.1.6 Concentration of risks of financial assets with credit risk exposure (continued) (b) Industry sector The following table breaks down the Group’s main credit exposures at their carrying amounts, as categorised by the industry sectors of the counterparties Currency: Million VND Public Agriculture sectorConstruction and forestry Others Total Whole-sale and retail trade Financial institutions and StateManufacturing Real estate Balances with the State Bank 2,807,350 - - - - - - - 2,807,350 Placements with and loans to other credit institutions (*) 9,621,309 - - - - - - - 9,621,309 Loans and advances to customers (*) - 29,064,737 3,569,052 12,287,965 6,920,640 5,638,495 9,276,180 13,782,418 80,539,487 Derivatives and other financial instruments - 2,852 - - - - - - 2,852 Debt securities 20,459,286 - 2,050,008 - - 1,554,981 - 180,000 24,244,275 Other financial assets (*) 2,691,924 184,155 287,513 200,382 37,943 173,859 132,105 1,939,461 5,647,042 As at 31 December 2011 35,579,869 29,251,744 5,906,573 12,488,347 6,958,583 7,367,335 9,408,285 15,901,879 122,862,315 Credit risk exposures relating to off-balance sheet items are as follows: Public Agriculture sectorConstruction and forestry Others Total Whole-sale and retail trade Financial institutions and State Manufacturing Real estate Financial guarantees 1,856 349,317 433 260,399 48,115 316,497 101,347 1,536,162 2,614,126 Letters of credit commitment - 3,047,510 4,996 210,847 29,709 74,297 448,384 1,833,369 5,649,112 As at 31 December 2011 1,856 3,396,827 5,429 471,246 77,824 390,794 549,731 3,369,531 8,263,238 (*): the above balances exclude provision. ANNUAL REPORT 2011 148 ANNUAL REPORT 2011 148
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Explanation about the meaning of fi
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MAJOR FINANCIAL INDICATORS (in VND
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ANNUAL REPORT 2011 4
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9 REGION BRANCH 8 7 3 2 5 1 4 6 TRA
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shortcomings of intensive concentra
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From the left, Mr Dang Van Thanh -
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InCoRPoRAtIon AnD DEVELoPMEnt SACOM
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HIStoRICAL MILEStonES 21 December 1
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2011 EVEnt HIGHLIGHtS 1. 22 Februar
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5. 7 April 2011 - Ho Chi Minh City
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oRGAnIzAtIon CHARt Management and S
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IntRoDUCtIon to tHE BoARD oF DIRECt
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ACtIVItIES oF tHE BoARD oF DIRECtoR
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IntRoDUCtIon to tHE BoARD oF SUPERV
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IntRoDUCtIon to tHE BoARD oF MAnAGE
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For 20 years, Sacombank has been de
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In addition, to ensure the highest
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Liquidity risk (i) High inflation o
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and foreign exchange rates were con
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Day and Sacombank Plus in associati
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Frequent training was provided thro
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BÁO CÁO KẾT QUẢ KINH DOANH AN
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Criteria Rating Meanings Issue cred
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Development orientation of the bank
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lending portfolio in accordance wit
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on job position/title, and proper a
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CORPORATE GOVERNANCE With the aim o
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the proper implementation of these
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Data Center Launch the virtualisati
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OBJECTIVES AND MANAGERIAL RESOLUTIO
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asset portfolio with risks with the
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n Third: building the business netw
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Results for some operational safety
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NUMBER OF STB SHARES BY YEAR 208,94
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SHAREHOLDING STRUCTURE AT 31 DECEMB
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As a large and responsible listed o
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Of these, Sacombank focuses special
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FOR A BETTER LIFE n Continuing to p
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FINANCIAL STATEMENTS Bringing added
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CORPORATE INFORMATION Banking Licen
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AuDITOR’S REPORT INDEPENDENT AUDI
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BALANCE SHEET (continued) B LIABILI
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CASH FLOW STATEMENT (Direct method)
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CONSOLIDATED FINANCIAL STATEMENTS F
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STATEMENT BY MANAGEMENT STATEMENT O
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Opinion In our opinion, the consoli
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CONSOLIDATED INCOME STATEMENT (Cont
Page 99 and 100: CONSOLIDATED INCOME STATEMENT (Dire
Page 101 and 102: NOTES TO THE CONSOLIDATED FINANCIAL
Page 103 and 104: Inter-company balances, transaction
Page 105 and 106: n Second-time rescheduled debts whi
Page 107 and 108: Gains or losses from disposal of tr
Page 109 and 110: 2.13 Cash and cash equivalents For
Page 111 and 112: 4 BALANCES WITH THE STATE BANK 31.1
Page 113 and 114: 6 TRADING SECURITIES 31.12.2011 31.
Page 115 and 116: 8 LOANS, ADVANCES AND FINANCE LEASE
Page 117 and 118: 8.7 Analysis by type of business en
Page 119 and 120: (ii) Included in debt securities is
Page 121 and 122: Accumulated depreciation At 1 Janua
Page 123 and 124: 15 OTHER ASSETS 31.12.2011 Million
Page 125 and 126: Denominated in VND 31 December 2010
Page 127 and 128: The facility financed for a subsidi
Page 129 and 130: 21.1 Payables to customers Included
Page 131 and 132: Number of shares Ordinary shares Sh
Page 133 and 134: In accordance with Decree No. 146/2
Page 135 and 136: 28 FEES AND COMMISSION INCOME 2011
Page 137 and 138: 34 GENERAL AND ADMINISTRATIVE EXPEN
Page 139 and 140: The deferred income tax assets aris
Page 141 and 142: 41 COMMITMENTS UNDER OPERATING LEAS
Page 143 and 144: 44.1.1 Credit risk measurement and
Page 145 and 146: 44.1.4 Collaterals As a common prac
Page 147 and 148: 44.1.5 Credit quality (continued) T
Page 149: 44.1.6 Concentration of risks of fi
Page 153 and 154: 44.2 Market risk The Group takes on
Page 155 and 156: 44.2.1 Foreign exchange risk (conti
Page 157 and 158: 44.2.2 Interest rate risk (continue
Page 159 and 160: 44.2.3 Price risk The Group is expo
Page 161 and 162: 44.3.1 On-balance sheet items CURRE
Page 163 and 164: 45 FAIR VALUE MEASUREMENT The conso
Page 165 and 166: 4. Dong Anh Transaction Office 55 G
Page 167 and 168: 4. Thua Thien Hue Branch 126 Nguyen
Page 169 and 170: 2. Phan Ri Cua Transaction Office 2
Page 171 and 172: 3. Ong Ta Transaction Office 785-78
Page 173 and 174: 5. Le Trong Tan Transaction Office
Page 175 and 176: 1. My Xuyen Transaction Office 1 Av
Page 177 and 178: ANNUAL REPORT 2011 174
Page 179: SAIGON THUONG TIN COMMERCIAL JOINT
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