notes to the consolidated financial statements - Sacombank

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3. Rach Dua Transaction Office 196, 30 thang 4 street Rach Dua, Vung Tau Ba Ria -Vung Tau Tel:(064).3.615.298 Fax:(064).3.615.194 4. Long Hai Transaction Office 72 Hupng Avenue 2 Phuoc Hung, Long Dien Ba Ria -Vung Tau Tel:(064).3.671.555 Fax:(064).3.671.777 5. Tan Thanh Transaction Office Group 6 Doc Lap - Area Ngoc Ha Phu My Town,Tan Thanh Ba Ria -Vung Tau Tel:(064).3.895.757(58) Fax:(064).3.895.759 6. Xuyen Moc Transaction Office 223/6, 55 National Highway Phuoc Buu Town, Xuyen Moc Ba Ria -Vung Tau Tel:(064).3.777.770 (771, 772) Fax:(064).3.777.774 HOCHIMINH REGION 1. Sai Gon Branch 177-179-181 Nguyen Thai Hoc Pham Ngu Lao, District 1, Ho Chi Minh Tel:"(08).3.8.360.243; (08).38.378.778" Fax:(08).3.8.368.598 1. Tan Dinh Transaction Office No. 129-131 & 2nd Floor No. 127 & 1st Floor No. 133 Nguyen Huu Cau Tan Dinh, District 1, Ho Chi Minh Tel:"(08).3.8.204.778; 3.8.204.782;3.8.204.783" Fax (08).3.8.204.828 2. Vo Van Tan Transaction Office 291B - 291/1A Vo Van Tan Ward 5, District 3, Ho Chi Minh Tel:(08).3.8.335.647; 3.9.293.726 Fax:(08).3.8.335.646 3. District 1 Transaction Office No. 63B Calmette Nguyen Thai Binh, District 1 Ho Chi Minh Tel:(08).3.9.144.515 Fax:(08).3.9.144.516 4. Huynh Thuc Khang Transaction Office No 2 & 4 (Ground Floor) No. 6 Huynh Thuc Khang Ward Ben Nghe, District 1, Ho Chi Minh Tel:(08).3.9.147.486 Fax:(08).3.9.147.489 5. Cong Quynh Transaction Office 260 Cong Quynh Ward Pham Ngu Lao, District 1, Ho Chi Minh Tel:(08).3.9.259.260 (61, 62) Fax:(08).3.9.259.263 167 ANNUAL REPORT 2011 6. Vo Thi Sau Transaction Office 38 Vo Thi Sau Tan Dinh, District 1, Ho Chi Minh Tel:(08).3.8.206.375(78) Fax:(08).3.8.207.345 7. Nguyen Cu Trinh Transaction Office 152 Tran Dinh Xu Ward Nguyen Cu Trinh, District 1 Ho Chi Minh Tel:(08).3.9.208.911(12,13) Fax:(08).3.9.208.914 8. Pham Ngu Lao Transaction Office 211-213-215 Pham Ngu Lao W. Pham Ngu Lao, District 1 Ho Chi Minh Tel:(08).3.9.209.471(72, 73) Fax:(08).3.9.209.474 2. Hung Dao Branch 99A Nguyen Van Cu Ward 2, District 5, Ho Chi Minh Tel:(08).3.9.232.800 Fax:(08).3.9.232.799 1. Dong Khanh Transaction Office 65-67 Tran Hung Dao Ward 6, district 5, Ho Chi Minh Tel:(08).3.8.384.126 Fax:(08).3.8.384.074 2. Le Dai Hanh Transaction Office 347 Le Dai Hanh Ward 13, District 11, Ho Chi Minh Tel:(08).3.9.650.442 Fax:(08).3.9.650.443 3. 3 thang 2 Transaction Office 276-280 3 thang 2 Ward 12, District 10, Ho Chi Minh Tel:(08).3.8.680.383 Fax:(08).3.8.680.382 4. Hong Bang Transaction Office 517 Hong Bang Ward 14, District 5, Ho Chi Minh Tel:(08).3.8.552.207 Fax:(08).3.8.552.214 5. Minh Khai Transaction Office 530-532 Nguyen Thi Minh Khai Ward 2, District 3, Ho Chi Minh Tel:(08).3.9.381.801(03) Fax:(08).3.9.381.802 3. Cho Lon Branch 920-920A-920B Nguyen Chi Thanh Ward 4, District 11, Ho Chi Minh Tel:(08).3.9.555.280 Fax:(08).3.955 6139 1. Binh Tan Transaction Office 494-496 Kinh Duong Vuong Ward An Lac A, Binh Tan District Ho Chi Minh Tel:(08).3.7.522.271 Fax:(08).3.7.522.272 2. Phu Lam Transaction Office 63A Kinh Duong Vuong Ward 12, District 6, Ho Chi Minh Tel:(08).3.7.515.257 Fax:(08).3.7.515.246 3. Binh Phu Transaction Office 152 Cho Lon street Ward 11, District 6, Ho Chi Minh Tel:(08).3.7.551.723 Fax:(08).3.7.551.724 4. Binh Chanh Transaction Office B1/16-B1/17, 1 A National Highway 2 Hamlet, Binh Chanh, Binh Chanh Ho Chi Minh Tel:(08).3.7.608.140 Fax:(08).3.7.608.141 5. Ly Thuong Kiet Transaction Office 104-106 Ly Thuong Kiet Ward 7, District 10, Ho Chi Minh Tel:(08).3.9.573.137 Fax:(08).3.9.573.138 6. Lac Long Quan Transaction Office 349L-349K Lac Long Quan Ward 5, District 11, Ho Chi Minh Tel:(08).3.9.750.982 Fax:(08).3.9.750.983 7. Lanh Binh Thang Transaction Office 294 - 294A Lanh Binh Thang Ward 11, District 11, Ho Chi Minh Tel:(08).3.9.650.934 (35,36) Fax:(08).3.9.650.937 8. Au Lac Transaction Office 268 Au Co Ward 9, Tan Binh District, Ho Chi Minh Tel:(08).3.9.753.296 Fax:(08).3.9.753.299 9. Binh Tri Dong Transaction Office 234 Vanh Dai Trong Binh Tri Dong B, Binh Tan District Ho Chi Minh Tel:(08).3.8.170.520(22) Fax:(08).3.8.170.521 4. Tan Binh Branch 224 Le Van Sy Ward 1, Tan Binh District, Ho Chi Minh Tel:(08).3.9.907.202 Fax:(08).3.9.907.205 1. Ba Queo Transaction Office 14/3A Truong Chinh Ward 13, Tan Binh District, Ho Chi Minh Tel:(08).3.8.495.010 Fax:(08).3.8.495.010 2. Lu Gia Transaction Office 08, Street No. 2 Lu Gia, Ward 15, District 11 Ho Chi Minh Tel:(08).3.8.651.204 Fax:(08).3.8.651.204
3. Ong Ta Transaction Office 785-785A Cach Mang Thang 8 Ward 6, Tan Binh District, Ho Chi Minh Tel:(08).3.9.702.230 Fax:(08).3.9.702.230 4. E - Town Transaction Office 364 Cong Hoa Tan Binh, Ho Chi Minh Tel:(08).3.8.125.701 Fax:(08).3.8.105.702 5. Lang Cha Ca Transaction Office 315 Hoang Van Thu Ward 2, Tan Binh District, Ho Chi Minh Tel:(08).3.8.454.470 Fax:(08).3.8.454.471 6. Thanh Binh Transaction Office 170 Ground Floor Ly Thuong Kiet Ward 8, Tan Binh District, Ho Chi Minh Tel:"(08).3.9.718.143(44,45) (08).3.8.691.547" Fax :(08).3.9.718.146 7. Lac Hong Transaction Office 1016 Lac Long Quan Ward 8, Tan Binh District, Ho Chi Minh Tel:(08).3.9.752.940 (41, 42) Fax:(08).3.9.752.943 8. Cong Hoa Transaction Office 298 Cong Hoa Ward 13, Tan Binh District, Ho Chi Minh Tel:(08).3.8.107.880 (81, 83) Fax:(08).3.8.107.884 9. Bau Cat Transaction Office 201-203-205 Bau Cat Ward 14, Tan Binh District, Ho Chi Minh Tel:(08).3.9.493.094 Fax:(08).3.9.493.095 5. Go Vap Branch 94-96-98 Nguyen Oanh Ward 7, Go Vap District, Ho Chi Minh Tel:(08).3.8.943.648 Fax:(08).3.8.941.918 1. Cho Cau Transaction Office A-58 - Area 2 To Ky Dong Hung Thuan, District 12 Ho Chi Minh Tel:(08).3.7.150.828 Fax:(08).3.7.150.828 2. Nguyen Van Nghi Transaction Office 134-136 Nguyen Van Nghi Ward 5, Go Vap District, Ho Chi Minh Tel:(08).3.8.941.001, 3.9.855.584 Fax:(08).3.8.954.216 3. Xom Moi Transaction Office 20/401 Le Đuc Tho Ward 16, Go Vap District, Ho Chi Minh Tel:(08).3.9.963.090 Fax:(08).3.9.963.090 4. Thong Tay Transaction Office 2/5 Quang Trung Ward 11, Go Vap District, Ho Chi Minh Tel:(08).3.8.958.561 Fax:(08).3.9.967.984 5. Thanh Loc Transaction Office 170 Ha Huy Giap Thanh Loc, District 12, Ho Chi Minh Tel:(08).3.7.163.903 Fax:(08).3.7.163.904 6. Nguyen Thai Son Transaction Office 135-137 Nguyen Thai Son Ward 4, Go Vap District, Ho Chi Minh Tel:(08).3.5.888.895(96) Fax:(08).3.5.888.897 7. An Nhon Transaction Office 305-51/570 B Nguyen Oanh Ward 17, Go Vap District, Ho Chi Minh Tel:(08).3.9.848.136 Fax:(08).3.9.848.137 8. Phan Huy Ich Transaction Office 60/12 Phan Huy Ich Ward 12, Go Vap District, Ho Chi Minh Tel:(08).3.9.878.586(587) Fax:(08).3.9.878.584 9. Hoang Mai Transaction Office 602 - 604 Le Duc Tho Ward 15, Go Vap District, Ho Chi Minh Tel:(08).3.9.168.660(661) Fax:(08).3.9.168.662 6. Hoc Mon Branch 38 Truong Chinh Area 6 - W.Tan Hung Thuan, District 12 Ho Chi Minh Tel:(08).3.5.926.001 Fax:(08).3.5.926.010 1. Trung Chanh Transaction Office 145/5 Nguyen Anh Thu Trung Chanh, Hoc Mon Ho Chi Minh Tel:(08).3.8.839.325 Fax:(08).3.8.839.324 2. Thoi An Transaction Office 25/3 Le Van Khuong Ward Thoi An, District 12, Ho Chi Minh Tel:(08).3.7.177.308 Fax (08).3.7.177.310 3. An Suong Transaction Office 132/7 Truong Chinh - Area 5 Ward Tan Thoi Nhat, District 12 Ho Chi Minh Tel:(08).6.2.568.459 Fax:(08).6.2.568.458 4. Hiep Thanh Transaction Office 3A Nguyen Anh Thu Ward Hiep Thanh, District 12 Ho Chi Minh Tel:(08).3.7.178.389 Fax:(08).3.7.178.388 5. Trang Trau Transaction Office 19/4A Ly Thuong Kiet Hoc Mon Town, Hoc Mon District Ho Chi Minh Tel:(08).3.8.910.179 Fax:(08).3.7.103.545 6. Ba Diem Transaction Office 2/1A-2/1E Phan Van Hon Trung Lan Hamlet - Ba Diem, District Hoc Mon, Ho Chi Minh Tel:(08).3.5.901.658 (59, 60, 61) Fax:(08).3.5.901.525 7. Cu Chi Branch 345 National Highway 22 Thuong Hamlet Tan Thong Hoi, Cu Chi Ho Chi Minh Tel:(08).3.7.901.262 Fax:(08).3.7.900.262 1. An Nhon Tay Transaction Office 1476 Avenue 7 - Cho cu Hamlet An Nhon Tay, Cu Chi Ho Chi Minh Tel:(08).3.7.947.123 Fax:(08).3.7.947.124 2. Tan Quy Transaction Office 1010 Avenue 15 - 12 Hamlet Tan Thanh Dong, Cu Chi Ho Chi Minh Tel:(08).3.7.954.885 Fax:(08).3.7.954.841 3. Tay Bac Transaction Office 805 National Highway 22 Cu Chi Town, Cu Chi, Ho Chi Minh Tel:(08).3.7.924.159 Fax:(08).3.7.924.158 8. 8 thang 3 Branch 41-43 Tran Cao Van (Ground Floor, A Block - 1st Floor Master Building). Ward 6, District 3, Ho Chi Minh Tel:(08).3.5.218.318 Fax:(08).3.5.218.319 1. 8T3 - Nguyen Trai Transaction Office 234-226/216 Nguyen Trai Ward 3, District 5, Ho Chi Minh Tel:(08).3.8.380.719 Fax:(08).3.8.380.706 2. Phong Lan Transaction Office 192-194 Ly Thuong Kiet Ward 8, Tan Binh District, Ho Chi Minh Tel:(08).3.9.717.153 Fax:(08).3.9.712.040 9. Thu Duc Branch 231 Vo Van Ngan Linh Chieu, Thu Duc District Ho Chi Minh Tel:(08).3.7.222.799 Fax:(08).3.7.222.800 ANNUAL REPORT 2011 168
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
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6 TRADING SECURITIES 31.12.2011 31.
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8 LOANS, ADVANCES AND FINANCE LEASE
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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 and 168: 4. Thua Thien Hue Branch 126 Nguyen
Page 169: 2. Phan Ri Cua Transaction Office 2
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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notes to the consolidated financial statements - Sacombank

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