notes to the consolidated financial statements - Sacombank

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NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 44. FINANCIAL RISK MANAGEMENT (CONTINUED) 44.3 Liquidity risk (continued) 44.3.1 On-balance sheet items The table below analysed the Group’s assets and liabilities into relevant maturity grouping based on the remaining period at the balance sheet date to the contractual maturity date. CURRENCY: Million VND Over 5 years Total 1-5 years Overdue Current Over 3 Up to 3 Up to 1 1-3 3-12 months months month months months As at 31 December 2011 Assets Cash and precious metals - - 11,857,270 - - - - 11,857,270 Balances with the State Bank - - 2,807,350 - - - - 2,807,350 Placements with and loans to other credit institutions (*) - - 5,990,001 1,752,864 1,879,809 - - 9,622,674 Trading securities (*) - - 504,786 - - - - 504,786 Derivatives and other financial assets - - 2,852 - - - - 2,852 Loans and advances to customers (*) 361,246 337,849 6,123,655 16,021,883 28,719,198 16,900,524 12,075,132 80,539,487 Investment securities (*) - - 12,291,438 1,670,000 7,749,987 2,685,000 - 24,396,425 Investment in other entities and long-term investments (*) - - - - - - 822,969 822,969 Fixed assets - - 2,282 1,700 28,150 780,427 2,895,304 3,707,863 Other assets (*) 763 - 3,665,461 739,420 3,108,779 848,050 - 8,362,473 Total assets 362,009 337,849 43,245,095 20,185,867 41,485,923 21,214,001 15,793,405 142,624,149 Liabilities Due to Government and borrowings from the State Bank of Vietnam - 2,129,609 - - - - 2,129,609 Deposits and borrowings from other credit institutions - - 3,443,835 4,358,300 5,020,605 849 - 12,823,589 Funds received from Government, international and other institutions - - 3,979 86,097 498,278 1,831,941 2,293,384 4,713,679 Deposits from customers - - 58,025,111 8,905,817 2,893,056 5,261,124 7,144 75,092,252 Certificate of deposits - - 6,685,516 3,322,518 7,600,618 8,056 - 17,616,708 Other liabilities 763 - 12,868,719 1,424,071 53,650 198,794 - 14,545,997 Total liabilities 763 - 83,156,769 18,096,803 16,066,207 7,300,764 2,300,528 126,921,834 Net liquidity gap 361,246 337,849 (39,911,674) 2,089,064 25,419,716 13,913,237 13,492,877 15,702,315 (*): the above balances exclude provision. ANNUAL REPORT 2011 157
44.3.1 On-balance sheet items CURRENCY: Million VND Over 5 years Total 1-5 years Overdue Current Over 3 Up to 3 Up to 1 1-3 3-12 months months month months months As at 31 December 2010 Assets Cash and precious metals - - 12,677,849 - - - - 12,677,849 Balances with the State Bank - - 3,618,973 - - - - 3,618,973 Placements with and loans to other credit institutions (*) - - 10,212,402 4,735,967 6,262,173 - - 21,210,542 Trading securities (*) - - 1,447,603 - 738,372 299,435 - 2,485,410 Derivatives and other financial assets - - 7,082 - - - - 7,082 Loans and advances to customers (*) 444,520 29,899 9,236,725 17,308,860 26,027,709 16,806,841 12,630,249 82,484,803 Investment securities (*) - - 9,070,229 1,702,920 5,852,259 4,912,988 - 21,538,396 Investment in other entities and long-term investments - - - - - (*) 34,400 622,179 656,579 Fixed assets - - 6,307 12,864 60,566 918,042 2,137,740 3,135,519 Other assets - - 377,117 797,342 2,021,626 1,142,318 1,279,107 5,617,510 Total assets 444,520 29,899 46,654,287 24,557,953 40,962,705 24,114,024 16,669,275 153,432,663 Liabilities Due to Government and borrowings from the State Bank - of Vietnam - 4,559,720 5,958 26,272 83,396 13,455 4,688,801 Deposits and borrowings from other credit institutions - - 6,303,145 4,593,625 4,290,406 222,450 - 15,409,626 Funds received from Government, international and - - other institutions 131,173 65,185 239,926 1,501,562 296,031 2,233,877 Deposits from customers - - 51,180,848 20,693,600 5,512,143 948,640 185 78,335,416 Certificate of deposits - - 10,295,942 8,158,245 7,559,872 2,563,077 - 28,577,136 Other liabilities - - 4,857,078 2,641,913 880,202 67,912 - 8,447,105 Total liabilities - - 77,327,906 36,158,526 18,508,821 5,387,037 309,671 137,691,961 Net liquidity gap 444,520 29,899 (30,673,619) (11,600,573) 22,453,884 18,726,987 16,359,604 15,740,702 (*): the above balances exclude provision. ANNUAL REPORT 2011 158
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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
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CONSOLIDATED INCOME STATEMENT (Dire
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NOTES TO THE CONSOLIDATED FINANCIAL
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Inter-company balances, transaction
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n Second-time rescheduled debts whi
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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 and 150: 44.1.6 Concentration of risks of fi
Page 151 and 152: 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: 44.2.3 Price risk The Group is expo
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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