notes to the consolidated financial statements - Sacombank

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1. Nam Tuy Hoa Transaction Office 374 Nguyen Van Linh Phu Lam, Tuy Hoa, Phu Yen Tel:(057).3.851.851 Fax:(057).3.851.850 2. Song Cau Transaction Office Tran Hung Dao Song Cau Town, Song Cau , Phu Yen Tel:(057).3.728.788 Fax:(057).3.728.789 3. Nguyen Hue Transaction Office 291 Nguyen Hue Ward 5, Tuy Hoa City, Phu Yen Tel:(057).3.810.850(868) Fax:(057).3.810.870 3. Khanh Hoa Branch 54A Yersin Phuong Sai, Nha Trang, Khanh Hoa Tel:(058).3.817.594 Fax:(058).3.817.698 1. Ninh Hoa Transaction Office 290 Tran Quy Cap Ninh Hoa, Khanh Hoa Tel:(058).3.630.864 Fax:(058).3.630.863 2. Nha Trang Transaction Office 65 Nguyen Trai Phuoc Tien, Nha Trang, Khanh Hoa Tel:(058).3.515.495 Fax:(058).3.515.708 3. Le Hong Phong Transaction Office 193 Le Hong Phong Phuoc Hoa, Nha Trang, Khanh Hoa Tel:(058).3.889.192 Fax:(058).3.889.194 4. Cam Ranh Transaction Office 134-136, 1 National Highway Ward Ba Ngoi, Cam Ranh, Khanh Hoa Tel:(058).3.954.300 Fax:(058).3.954.302 5. Van Ninh Transaction Office 128 Hung Vuong Van Gia Town, Van Ninh, Khanh Hoa Tel:(058).3.913.264/65 Fax:(058).3.913.266 6. Cam Lam Transaction Office 1A National Highway, Nghia Dong Group Cam Duc Town, Cam Lam, Khanh Hoa Tel:(058).3.983.788(789) Fax:(058).3.983.786 7. QTK Thang Loi Transaction Office 04 Pasteur Ward Thang Loi, Nha Trang City Khanh Hoa Tel:(058).3.813.888(887) Fax:(058).3.813.886 4. Ninh Thuan Branch 757 Thong Nhat Ward Kinh Dinh, Phan Rang City - Thap Cham Ninh Thuan Tel:(068).3.832.300 Fax:(068).3.832.301 165 ANNUAL REPORT 2011 1. Phan Rang - Thap Cham Transaction Office 336 Thong Nhat Ward Phu Ha, Phan Rang City Tháp Chàm, Ninh Thuận Tel:(068).3.827 334 Fax:(068).3.827 335 5. Gia Lai Branch 38 Nguyen Thien Thuat Dien Hong, Pleiku City, Gia Lai Tel:(059).3.720.074 Fax:(059).3.720.073 1. An Khe Transaction Office 02 Hoang Van Thu Tay Son, An Khe, Gia Lai Tel:(059).3.832.268(929, 930, 939) Fax:(059).3.832.535 2. Chu Se Transaction Office 748 Hung Vuong Chu Se Town, Chu Se, Gia Lai Tel:(059).6.258.006/007 Fax: (059).6.258.009 6. Kon Tum Branch 73A Phan Dinh Phung Ward Quang Trung, KonTum City KonTum Tel:(060).3.913.457 Fax: (060).3.913.458 1. Dak Ha Transaction Office 297 Hung Vuong Dak Ha, KonTum Tel:(060).3.826.789 Fax:(060).3.826.788 2. Ngoc Hoi Transaction Office 77 Hung Vuong Pleikan Town, Ngoc Hoi, KonTum Tel:(060).3.832.836 Fax:(060).3.832.837 7. Dak Lak Branch 130-132 Le Hong Phong Thong Nhat, Buon Me Thuot City, Dak Lak Tel:(0500).3.861.105 Fax:(0500).3.861.104 1. Eakar Transaction Office 3B TT Eakar Eakar, Dak Lak Tel:(0500).3.626.960 Fax:(0500).3.626 961 2. Buon Me Thuot Transaction Office 362-364 Le Duan Buon Me Thuot City, Dak Lak Tel:(0500).3 861.102 (108) Fax:(0500).3.861.101 3. Buon Ho 207 Hung Vuong Buon Ho Town, KrongBuk, Dak Lak Tel:(0500).3.571.458/59 Fax: (0500).3.571.457 4. EaH'leo Transaction Office 565 Giai Phong Eadrăng Town, EaH'leo, Dak Lak Tel:(0500).3.776.670(672, 673) Fax:(0500).3. 776.671 8. Dak Nong Branch Lot D1 Tam Thang Industrial Park Tam Thang, Cu Jut, Dak Nong Tel:(0501).3.683.798 Fax:(0501).3.683.632 1. Dak Mil Transaction Office 61 Nguyen Tat Thanh Dak Mil Town, Dak Mil, Dak Nong Tel:(0501).3.751.898 Fax:(0501).3.751.897 2. Kien Duc Transaction Office 40 Nguyen Tat Thanh Kien Duc Town, Dak R'lap, Dak Nong Tel:(0501).3.702.456 Fax:(0501).3.647.961 9. Lam Dong Branch 5 Hai Ba Trung Ward 6, Da Lat, Lam Dong Tel:(063).3.549.045 Fax:(063).3.549.047 1. Bao Loc Transaction Office 43 Le Thi Pha Bao Loc, Lam Dong Tel:(063).3.711.253 (54) Fax:(063).3.711.256 2. Duc Trong Transaction Office 713, 20 National Highway Lien Nghia Town, Duc Trong, Lam Dong Tel:(063).3.649.161 Fax:(063).3 649.162 3. Quang Trung Transaction Office A1 - Suong Mai Restaurant Area Quang Trung Ward 9, Da Lat, Lam Dong Tel:(063).3.826.600 Fax:(063).3.826.600 4. Lam Ha Transaction Office 51 Bo Lieng TT Dinh Van, Lam Ha, Lam Dong Tel:(063).3.686.662 Fax:(063).3.686.663 5. Da Lat Transaction Office 32 - Hoa Binh Area 3-5 3 thang 2 street Ward 1, Da Lat, Lam Dong Tel:(063).3.511.082 Fax:(063).3.511.083 6. Di Linh Transaction Office 671 Hung Vuong Di Linh Town, Di Linh, Lam Dong Tel:(063).3.792.998 Fax:(063).3.792.999 SOUTHEAST 1. Binh Thuan Branch 126 Tran Hung Dao Phan Thiet City Binh Thuan Tel:(062).3.834.651 Fax:(062).3.834.656 1. LaGi Transaction Office 63 Le Loi LaGi, Binh Thuan Tel:(062).3.841.760 Fax:(062).3.841.761
2. Phan Ri Cua Transaction Office 239 Thong Nhat Phan Ri Cua Town, Tuy Phong Binh Thuan Tel:(062).3.972.699 Fax:(062).3.972.686 2. Binh Phuoc Branches Phu Thanh Area Tan Phu, Dong Xoai, Binh Phuoc Tel:(0651).3.888.092 Fax:(0651).3.883.569 1. Phuoc Long Transaction Office 217, Area 2 Phuoc Binh, Phuoc Long, Binh Phuoc Tel:(0651).3.775.201 Fax:(0651).3.775.201 2. Binh Long Transaction Office 158 Tran Hung Dao Area 4, Binh Long, Binh Phuoc Tel:(0651).3.682.692 Fax:(0651).3.682.692 3. Chon Thanh Transaction Office Group 2, Area 4 Chon Thanh Town, Chon Thanh Binh Phuoc Tel:(0651).3.660.079 Fax:(0651).3.660.080 4. Loc Ninh Transaction Office Group 2A Loc Ninh Town, Loc Ninh Binh Phuoc Tel:(0651).3.566.775(776) Fax 0651 3 566 775 3. Binh Duong Branch 431 Binh Duong Boulevard Area 1, Phu Cuong, Thu Dau Mot Binh Duong Tel:(0650).3.859.595(96) Fax:(0650).3.859.591 1. Thu Dau Mot Transaction Office 21A Cach Mang Thang 8 Ward Phu Cuong, Thu Dau Mot Binh Duong Tel:"(0650) 3.859.961;(0650) 3.855.109" Fax:(0650).3.859.962 2. Ben Cat Transaction Office 160 Group 6 Ap Cay San Lai Uyen, Ben Cat, Binh Duong Tel:(0650).3.562.863 Fax:(0650).3.552.033 3. Di An Transaction Office 9/22 Tran Hung Dao Area Binh Minh 2 Ward Di An, Di An, Binh Duong Tel:(0650).3.734.840 Fax:(0650).3.734.841 4. Lai Thieu Transaction Office C186A Group 18, Area Binh Duc Lai Thieu, Thuan An, Binh Duong Tel:(0650).3.760.375 Fax:(0650).3.760.437 5. My Phuoc Transaction Office Area 1, Binh Duong Boulevard My Phuoc, Ben Cat, Binh Duong Tel:(0650).3.559.669 Fax:(0650).3 559.668 6. Tan Phuoc Khanh Transaction Office Area Khanh Hoa Tan Phuoc Khanh Town, Tan Uyen Binh Duong Tel:(0650).3.612.060 Fax:(0650).3 612.062 7. Dau Tieng Transaction Office 6/8 Area 2 Dau Tieng Town, Dau Tieng Binh Duong Tel:(0650) 352 2997(98) Fax:(0650) 352 2996 8. 1 K Highway Transaction Office 1 B Noi Hoa 2 Hamlet Binh An, Di An, Binh Duong Tel:(0650).3.772.223(24, 25) Fax:(0650).3.772.226 9. Phu Giao Transaction Office Area 2 Phuoc Vinh Town, Phu Giao, Binh Duong Tel:(0650).3.675.141 (143) Fax:(0650).3.675.142 10. Tan Uyen Transaction Office Lot F4-F5 Uyen Hung Trade Center Tan Uyen, Binh Duong Tel:(0650).3.642.927(929) Fax:(0650).3.642.926 4. Tay Ninh Branch 149G 30 thang 4 Ward 1, Tay Ninh Tel:(066).3.810.414 Fax:(066).3.810.419 1. Tan Chau Transaction Office Area 2 Tan Chau Town, Tan Chau, Tay Ninh Tel:(066).3.759.023 Fax (066).3759.004 2. Go Dau Transaction Office Lot 2/24 Thanh Ha Hamlet Go Dau, Go Dau, Tay Ninh Tel:(066).3.520.300 Fax:(066).3.520.299 3. Hoa Thanh Transaction Office Hung Vuong Area 1, Hoa Thanh, Tay Ninh Tel:(066).3.831.010 Fax:(066).3.831.009 4. Tan Bien Transaction Office Area 2 Tan Bien Town, Tan Bien, Tay Ninh Tel:(066).3.745.666(777) Fax:(066).3.745.990 5. Trang Bang Transaction Office 22 National Highway, Loc Thanh Area Trang Bang Town, Trang Bang, Tay Ninh Tel:(066).3.890.158 Fax:(066).3.890.159 5. Dong Nai Branch 87-89 30 thang 4 Thanh Binh, Bien Hoa , Dong Nai Tel:(061).3.946.067 Fax:(061).3.946.068 1. Long Khanh Transaction Office Area 5 Xuan Hoa, Long Khanh, Dong Nai Tel:(061).3.783.587 Fax:(061).3.783.443 2. Ho Nai Transaction Office 11B/82, Area 1 Tan Bien, Bien Hoa , Dong Nai Tel:(061).3.884.149 Fax:(061).3.884.073 3. Bien Hoa Transaction Office 141/5 , 15 National Highway Tam Hiep, Bien Hoa, Dong Nai Tel:(061).3.913.518 Fax:(061).3.913.513 4. Trang Bom Transaction Office 07 - 1A National Highway, Group 22 - Thai Hoa Hamlet Ho Nai 3, Trang Bom, Dong Nai Tel:(061).3.673.970 Fax:(061).3.673.971 5. Gia Kiem Transaction Office 112/4 Tan Yen Hamlet Gia Tan 3, Thong Nhat, Dong Nai Tel:(061).3.778.487 Fax:(061).3.778.488 6. Long Binh Tan Transaction Office C2/9 và 9B/2 Area 1 Long Binh Tan, Bien Hoa , Dong Nai Tel:(061).3.834.680 Fax:(061).3.834.680 7. Long Thanh Transaction Office Group 1 Văn Hải Long Thanh Town, Long Thanh, Dong Nai Tel:(061).3.501.976(77) Fax:(061).3.501.978 8. Dong Hoa Transaction Office 1A National Highway, An Bình Hamlet Trung Hoa, Trang Bom, Dong Nai Tel:(061).3.868.819 Fax:(061).3.868.820 9. Phuong Lam Transaction Office 20 National Highway Thanh Tho 1 Hamlet, Phu Lam, Tan Phu Dong Nai Tel:(061).3.665.455 Fax:(061).3.665.454 6. Ba Ria-Vung Tau Branch 67A Le Hong Phong Ward 7, Vung Tau City, Ba Ria -Vung Tau Tel:(064).3.553.333 Fax:(064).3.553.336 1. Ba Ria Transaction Office 3 Duong Bach Mai Phuoc Trung, Ba Ria- Vung Tau Ba Ria -Vung Tau Tel:(064).3.717.148 Fax:(064).3.717.150 2. Chau Duc Transaction Office 291-293 Hung Vuong Ngai Giao, Chau Duc, Ba Ria -Vung Tau Tel:(064).3.963.011 Fax:(064).3.963.033 ANNUAL REPORT 2011 166
Page 2:
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
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2.13 Cash and cash equivalents For
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4 BALANCES WITH THE STATE BANK 31.1
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6 TRADING SECURITIES 31.12.2011 31.
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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 and 164: 45 FAIR VALUE MEASUREMENT The conso
Page 165 and 166: 4. Dong Anh Transaction Office 55 G
Page 167: 4. Thua Thien Hue Branch 126 Nguyen
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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