notes to the consolidated financial statements - Sacombank

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HEAD OFFICE 266-268 Nam Ky Khoi Nghia Ward 8, District 3, HCM city Tel: (08).3.9.322.670 Fax: (08).3.9.320.425 TRANSACTION DEPARTMENT HCMC 1. Tran Huy Lieu Transaction Office 62 Tran Huy Lieu Ward 12, Phu Nhuan District, HCM city Tel: (08).3.9.318.816 Fax: (08).3.9.318.817 2. Nam Ky Khoi Nghia Transaction Office 278 Nam Ky Khoi Nghia Ward 8, District 3, HCM city Tel: (08).3.9.322.585 Fax: (08).3.9.322.584 3. Bach Dang Transaction Office 121-123 Ground Floor Bach Dang Ward 2, Tan Binh District, HCM city Tel: (08).3.9.325.861 Fax: (08).3.9.325.862 4. Phan Xich Long Transaction Office 159 Phan Xich Long Ward 7, Phu Nhuan District, HCM city Tel: (08).3.5.178.887 Fax: (08).3.5.178.886 5. Cach Mang Thang 8 Transaction Office 236-238 Cach Mang Thang 8 Ward 10, District 3, HCM city Tel: (08).3.5.264.361 Fax: (08).3.5.264.363 6. Pho Quang Transaction Office 3G Pho Quang Ward 2, Tan Binh District, HCM city Tel: (08).3.9.979.887 Fax: (08).3.9.979.883 HANOI REGION 1. Thu Do Branch 88 Ly Thuong Kiet Cua Nam, Hoan Kiem, Ha Noi Tel: (04) 3.9.428.095 Fax: (04)3.9.428.085 1. Hang Bac Transaction Office 87 Hang Bac Hang Bac, Hoan Kiem, Ha Noi Tel :(04).3.9.263.467(4574) Fax:(04).3.9.261.392 2. Đong Xuan Transaction Office 12 Tran Nhat Duat Đong Xuan, Hoan Kiem, Ha Noi Tel:(04).3.9.290.135 Fax: (04).3.9.283.725 161 DIStRIBUtIon nEtWoRK ANNUAL REPORT 2011 3. Hoan Kiem Transaction Office 16E Duong Thanh Hoan Kiem, Ha Noi Tel:(04).3.9.232.140 Fax: (04).3.9.230.822 4. Thuy Khue Transaction Office 153AThuy Khue Thuy Khue, Tay Ho, Ha Noi Tel:(04).3.7.281.466 Fax: (04).3.7.281.467 5. Ly Nam De Transaction Office 10A3 Ly Nam De Hang Ma, Hoan Kiem, Ha Noi Tel:(04).3.7.478.418 Fax: (04).3.7.478.419 6. Phan Dinh Phung Transaction Office 25A Phan Dinh Phung Ba Dinh, Ha Noi Tel:(04).3.8.489.971(72) Fax:(04).3.8.489.970 2. 8 thang 3 Branch 193 Ba Trieu Ward Le Dai Hanh Hai Ba Trung, Ha Noi Tel:(04).3.9.743.833 Fax: (04).3.9.743.823 1. Dao Tan Transaction Office 60 Dao Tan Ward Cong Vi, Ba Dinh, Ha Noi Tel: (04).3.2.115.599 Fax:(04).3.2.115.690 3. Ha Noi Branch 65 Ngo Thi Nham Hai Ba Trung, Ha Noi Tel:(04).3.9.437.372 Fax: (04).3.9.432.988 1. Cho Mo Transaction Office 442 Bach Mai Truong Dinh, Hai Ba Trung, Ha Noi Tel:(04).6.2.781.707 Fax: (04).6.2.781.700 2. Dinh Cong Transaction Office 12D18 Dinh Cong New Town Dinh Cong, Hoang Mai, Ha Noi Tel:(04).3.6.404.061 Fax: (04).3.6.404.062 3. Bach Khoa Transaction Office 10 Ta Quang Buu Bach Khoa, Hai Ba Trung, Ha Noi Tel:(04).6.2.781.536 Fax: (04).6.2.781.545 4. Linh Nam Transaction Office 183 Linh Nam Vinh Hung, Hoang Mai, Ha Noi Tel:(04).3.6.462.335(36) Fax:(04).3.6.462.337 5. Ha Thanh Transaction Office 25-27 Cua Bac Ba Dinh, Ha Noi Tel:(04).3.9.275.415 Fax: (04).3.9.275.416 6. Kim Nguu Transaction Office 286 Kim Nguu Hai Ba Trung, Ha Noi Tel:(04).3.6.320.491(492) Fax:(04).3.6.320.490 4. Dong Da Branch 360 Tay Son Dong Da, Ha Noi Tel:(04).3.5.640.455 Fax:(04).3.5.640.456 1. Ha Tay Transaction Office 737 Quang Trung Quang Trung, Ha Dong, Ha Tay Tel:(0343).824.047 Fax: (0343).824.047 2. Kim Lien Transaction Office 222 Xa Dan Phuong Lien, Dong Da, Ha Noi Tel:(04).3.5.720.569 Fax:(04).3.5.720.570 3. Khuong Mai Transaction Office 112 Nguyen Ngoc Nai Khuong Mai, Thanh Xuan Ha Noi Tel:(04).3.5.666.920 Fax:(04).3.5.666.921 4. Hao Nam Transaction Office 100 Hao Nam O Cho Dua, Dong Da, Ha Noi Tel:(04).6.2.756.866(6565) Fax:(04).6.2.752.753 5. Van Quan Transaction Office 139A Chien Thang Tan Trieu, Thanh Tri, Ha Noi Tel:(04).3.5.527.688 Fax:(04).3.5.527.528 5. Long Bien Branch 484 Nguyen Van Cu Gia Thuy, Long Bien, Ha Noi Tel:(04).3.6.522.055 Fax: (04).3.6.522.066 1. Yen Vien Transaction Office 455 Ha Tuy Tap Yen Vien, Gia Lam, Ha Noi Tel:(04).3.6.982.936 Fax:(04).3.6.982.936 2. Trau Quy Transaction Office 74A&74B To Voi Phuc Trau Quy Town, Gia Lam, Ha Noi Tel:(04).3.6.763.070 Fax:(04).3.6.763.071 3. Ngo Gia Tu Transaction Office 711 Ngo Gia Tu Ward Duc Giang, Long Bien, Ha Noi Tel:(04)3.6.522.055 Fax: (04).3.6.522.066
4. Dong Anh Transaction Office 55 Group 4 Dong Anh Town Dong Anh , Ha Noi Tel:(04).3.9.655.922 Fax:(04).3.9.655.925 6. Thanh Tri Branch 337 Ngoc Hoi Van Dien Town, Thanh Tri, Ha Noi Tel:(04).3.6.814.855 Fax:(04).3.6.814.856 1. Thuong Tin Transaction Office Pho Ga, Thuong Tin Town Thuong Tin, Ha Tay Tel:(0343).765.536 Fax: (0343).765.534 2. Truong Dinh Transaction Office 701 Truong Dinh Ward Thinh Liet, Hoang Mai District Ha Noi Tel:(04).3.6.421.661 Fax:(04).3.6.421.660 3. Dong Tam Transaction Office 168 Pho Vong Ward Phuong Liet Thanh Xuân District ,Ha Noi Tel:(04).3.6.285.422 (23, 24) Fax:(04).3.6.285.421 7. Thang Long Branch 60A Nguyen Chi Thanh Lang Thuong, Dong Da, Ha Noi Tel:(04).3.7.756.707 Fax: (04).3.7.756.708 1. Doi Can Transaction Office 149G Doi Can Ba Dinh, Ha Noi Tel:(04).3.7.227.361 Fax:(04).3.7.227.362 2. Hoang Cau Transaction Office 163 Dang Tien Dong Trung Liet, Dong Da, Ha Noi Tel:(04).3.5.379.96 Fax:(04).3.5.379.960 3. Tran Duy Hung Transaction Office 82 Tran Duy Hung Trung Hoa, Cau Giay, Ha Noi Tel:(04).3.7.834.176 Fax:(04).3.7.834.175 4. Doc Ngu Transaction Office 147 Doc Ngu Ba Dinh, Ha Noi Tel:(04).3.2.321.790 (792) Fax:(04).3.2.321.791 8. Dong Do Branch 363 Hoang Quoc Viet Ward Nghia Tan, Cau Giay, Ha Noi Tel:(04).3.7.915.299 Fax: (04).3. 7.915.289 1. Quan Hoa Transaction Office 243A Cau Giay Quan Hoa, Cau Giay, Ha Noi Tel:(04).3.7.910.950 Fax: (04).3.7.678.324 2. Tay Ho Transaction Office 258 Lac Long Quan Ward.Buoi, Tay Ho, Ha Noi Tel:(04)3.7.590.099 Fax: (04)3.7.591.586 3. Le Duc Tho Transaction Office A1-1, A2-2 Le Duc Tho H. Tu Liem, Ha Noi Tel:(04).3.7.951.711 Fax:(04).3.7.951.712 4. Nguyen Phong Sac Transaction Office 1st Floor - Lot A/D6 Nguyen Phong Sac (extension) - Cau Giay New<strong>to</strong>wn Dich Vong, Cau Giay, Ha Noi Tel:(04).3.7.678.228 Fax:(04).3.7.678.229 NORTHERN 1 Hung Yen Branch Km22 + 500 National Highway 5A Ban Yen Nhan Town My Hao, Hung Yen Tel:(0321).3.942.905 Fax:(0321).3.942.387 1. Pho Hien Transaction Office 279 Dien Bien Hung Yen, Hung Yen Tel:(0321).3.866.770 Fax: (0321).3.866.769 2. Bo Thoi Transaction Office Thi tu Bo Thoi Hong Tien, Khoai Chau, Hung Yen Tel:(0321).3.920.690 Fax:(0321).3.920.689 3. Yen My Transaction Office 22 Yen My Town Yen My, Hung Yen Tel:(0321).3.962.979 Fax:(0321).3.962.978 4. Van Lam Transaction Office Thon Ngoc Quynh Nhu Quynh Town, Van Lam, Hung Yen Tel:(0321).3.785.614 Fax:(0321).3.785.613 5. Van Giang Transaction Office 219 pho Van Giang Van Giang Town, Văn Giang, Hung Yen Tel:(0321).3.933.505(506) Fax:(0321).3.933.508 2. Bac Ninh Branch 122 Tran Phu Dong Ngan, Tu Son, Bac Ninh Tel:(0241).3.743.965 Fax:(0241).3.760.352 1. Tien Du Transaction Office 140-142 Ly Thuong Kiet Lim Town, Tien Du, Bac Ninh Tel:(0241).3.710.711 Fax: (0241).3.710.711 2. Nguyen Gia Thieu Transaction Office 113 Nguyen Gia Thieu Ward Suoi Hoa, Bắc Ninh City Tel:(0241).3.811.622 Fax: (0241).3.811.622 3. Que Vo Transaction Office 100 Area 1 Pho Moi Town, Que Vo, Bac Ninh Tel:(0241).3.635.853(852) Fax:(0241).3.635.854 4. Thuan Thanh Transaction Office 89-91 Pho Ho Ho Town, Thuan Thanh, Bac Ninh Tel:(0241).3.775.886 Fax:(0241).3.775.339 3. Thanh Hoa Branch 126-128-130 Nguyen Trai Ba Dinh, Thanh Hoa City, Thanh Hoa Tel:(0373).888.898 Fax:(0373).718.789 1. Phan Chu Trinh Transaction Office 753 Ba Trieu Truong Thi, Thanh Hoa City Tel:(0373).757.661/62 Fax:(0373).757.675 2. Bim Son Transaction Office 73 Area 2 Ward Ngoc Trao, Bim Son, Thanh Hoa Tel:(0373).771.884/86 Fax:(0373).771.887 3. Lam Son Transaction Office Area 6 Lam Son Town, Tho Xuan, Thanh Hoa Tel:(037).3.535.588 Fax:(037).3.535.578 4. Tinh Gia Transaction Office 232 Area 3 Tinh Gia Town, Tinh Gia, Thanh Hoa Tel:(037).8.727.899 Fax:(037).8.727.897 4. Lang Son Branch 8 Ngo Quyen Vinh Trai, Lang Son, Lang Son Tel:(025).3.716.324 Fax:(025).3.716.325 1. Tan Thanh Transaction Office Kiot 86-88-90 Cua Khau Tan Thanh Lang Son, Lang Son Tel:(025).3.888.579 Fax:(025).3.888.581 5. Hai Duong Branch 30 Tran Hung Dao Tran Hung Dao, Hai Duong city Hai Duong Tel:(0320).3.833.208 Fax:(0320).3.833.209 ANNUAL REPORT 2011 162
Page 2:
Explanation about the meaning of fi
Page 5 and 6:
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
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2.13 Cash and cash equivalents For
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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 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: 45 FAIR VALUE MEASUREMENT The conso
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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