notes to the consolidated financial statements - Sacombank
notes to the consolidated financial statements - Sacombank
notes to the consolidated financial statements - Sacombank
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44.1.6 Concentration of risks of <strong>financial</strong> assets with credit risk exposure (continued)<br />
(b) Industry sec<strong>to</strong>r<br />
The following table breaks down <strong>the</strong> Group’s main credit exposures at <strong>the</strong>ir carrying amounts, as categorised by <strong>the</strong> industry sec<strong>to</strong>rs of <strong>the</strong><br />
counterparties<br />
Currency: Million VND<br />
Public<br />
Agriculture<br />
sec<strong>to</strong>rConstruction and forestry O<strong>the</strong>rs Total<br />
Whole-sale<br />
and retail<br />
trade<br />
Financial<br />
institutions<br />
and StateManufacturing Real estate<br />
Balances with <strong>the</strong> State Bank 2,807,350 - - - - - - - 2,807,350<br />
Placements with and loans <strong>to</strong><br />
o<strong>the</strong>r credit institutions (*) 9,621,309 - - - - - - - 9,621,309<br />
Loans and advances <strong>to</strong><br />
cus<strong>to</strong>mers (*) - 29,064,737 3,569,052 12,287,965 6,920,640 5,638,495 9,276,180 13,782,418 80,539,487<br />
Derivatives and o<strong>the</strong>r <strong>financial</strong><br />
instruments - 2,852 - - - - - - 2,852<br />
Debt securities 20,459,286 - 2,050,008 - - 1,554,981 - 180,000 24,244,275<br />
O<strong>the</strong>r <strong>financial</strong> assets (*) 2,691,924 184,155 287,513 200,382 37,943 173,859 132,105 1,939,461 5,647,042<br />
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<br />
Credit risk exposures relating <strong>to</strong> off-balance sheet items are as follows:<br />
Public<br />
Agriculture<br />
sec<strong>to</strong>rConstruction and forestry O<strong>the</strong>rs Total<br />
Whole-sale<br />
and retail<br />
trade<br />
Financial<br />
institutions<br />
and State Manufacturing Real estate<br />
Financial guarantees 1,856 349,317 433 260,399 48,115 316,497 101,347 1,536,162 2,614,126<br />
Letters of credit commitment - 3,047,510 4,996 210,847 29,709 74,297 448,384 1,833,369 5,649,112<br />
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<br />
(*): <strong>the</strong> above balances exclude provision.<br />
ANNUAL REPORT 2011 148<br />
ANNUAL REPORT 2011<br />
148