notes to the consolidated financial statements - Sacombank

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1. Kien Thiet Transaction Office 83A Le Van Viet Area 3, W. Hiep Phu, District 9 Ho Chi Minh Tel:(08).3.7.360.541 Fax:(08).3.7.360.544 2. Binh Thai Transaction Office 270-272 Do Xuan Hop Phuoc Long A, District 9, Ho Chi Minh Tel:(08).3.7.281.973 Fax:(08).3.7.281.974 3. An Phu Transaction Office 27 Tran Nao Binh An, District 2, Ho Chi Minh Tel:(08).3.7.402.653 (51,52) Fax:(08).3.7.402.650 4. Cat Lai Transaction Office 634 Nguyen Thi Dinh Area 2 - Thanh My Loi, District 2, Ho Chi Minh Tel:(08).3.7.423.865 Fax:(08).3.7.423.869 5. Thao Dien Transaction Office 18 Thao Dien Thao Dien, District 2, Ho Chi Minh Tel:(08).3.5.194.368 Fax:(08).3.5.194.372 10. Quan 8 Branch 324 Chanh Hung District 8, Ho Chi Minh Tel:(08).3.8.508.340 Fax:(08).3.8.508.341 1. Xom Cui Transaction Office 415-417 Tung Thien Vuong Ward 12, District 8, Ho Chi Minh Tel:(08).3.9.514.893 Fax:(08).3.9.504.403 2. Rach Ong Transaction Office 92-94 Nguyen Thi Tan Ward 5, District 8, Ho Chi Minh Tel:(08).3.9.830.133 Fax:(08).3.9.830.135 3. Trung Son Transaction Office 29 - 31 No. 9A - Trung Son Resident Binh Hung, Binh Chanh Ho Chi Minh Tel:(08).5.4.317.123 Fax:(08).5.4.318.543 4. Binh Dang Transaction Office 287-289 Avenue 5 Ward 5, District 8, Ho Chi Minh Tel:(08).6.2.635.681 Fax:(08).6.2.635.682 5. Pham The Hien Transaction Office 657 - 659A Pham The Hien W. 4, District 8, Ho Chi Minh Tel:(08).3..8.520.220 Fax:(08).3.8.520.221 169 ANNUAL REPORT 2011 11. Quan 4 Branch 55-57 Hoang Dieu District 4, Ho Chi Minh Tel:(08).3.9.433.963 Fax:(08).3.9.433.983 1. Tan Thuan Transaction Office 384 Huynh Tan Phat Binh Thuan, District 7, Ho Chi Minh Tel:(08).3.8.724.288 Fax:(08).3.8.724.289 2. My Toan Transaction Office 954-956 Area My Toan 3 - Nguyen Van Linh Tan Phong, District 7, Ho Chi Minh Tel:(08).5.4.103.944 Fax:(08).5.4.103.959 3. Nha Be Transaction Office 83 Huynh Tan Phat Nha Be Town, Nha Be, Ho Chi Minh Tel:(08).3.8.738.827 Fax:(08).3.8.738.826 4. Can Thanh Transaction Office 199/3 Duyen Hai Mieu Ba Hamlet - Can Thanh, Can Gio Ho Chi Minh Tel:(08).3.7.861.601(02, 03) Fax:(08).3.7.861.604 5. Nguyen Thi Thap Transaction Office 172 Nguyen Thi Thap W. Binh Thuan, District 7 Ho Chi Minh Tel:(08).3.7.754.635 (36,37,38) Fax:(08).3.7.754.639 (640) 6. Phu My Hung 17 Area My Hoang - H5 W. Tan Phong, District 7, Ho Chi Minh Tel:(08).5.4.121.631 Fax:(08).5.4.120.923 12. Hoa Viet Branch 382 A-B Tran Hung Dao Ward 11, District 5, Ho Chi Minh Tel:(08).3.8.553.131 Fax:(08).3.8.553.003 1. Phung Hung Transaction Office 36-38 Phung Hung Ward 13, District 5, Ho Chi Minh Tel:(08).3.8.553.007 Fax:(08).3.8.553.013 2. Ngo Quyen Transaction Office 271 Ngo Quyen Ward 6, District 10, Ho Chi Minh Tel:(08).3.9.574.338 Fax:(08).3.9.574.335 3. Han Hai Nguyen Transaction Office 278 - 280 Han Hai Nguyen Ward 9, District 11, Ho Chi Minh Tel:(08).3.9.699.903 (04, 05) Fax:(08).3.9.699.906 13. Dien Bien Phu Branch 549 Dien Bien Phu Ward 3, District 3, Ho Chi Minh Tel:(08).3.9.381.870 Fax:(08).3.9.381.871 1. Nguyen Tri Phuong Transaction Office 335-337 Nguyen Tri Phuong Ward 5, District 10, Ho Chi Minh Tel:(08).3.8.347.458 Fax:(08).3.8.345.043 2. Bac Hai Transaction Office Area A - No. 24 Truong Son Ward 15, District 10, Ho Chi Minh Tel:(08).5.4.348.190 (92,93) Fax:(08).5.4.348.191 3. Su Van Hanh Transaction Office 836-838 Su Van Hanh Ward 13, District 10, Ho Chi Minh Tel:(08).5.4.348.199 (201,202) Fax:(08).5.4.348.200 4. Quan 10 Transaction Office 187 Ngo Gia Tu Ward 3, District 10, Ho Chi Minh Tel:(08).5.4.052.025 Fax:(08).5.4.052.026 14. Tan Phu Branch 47 Hoa Binh Tan Thoi Hoa, Tan Phu District, Ho Chi Minh Tel:"08.3.9.737.303; 08.3.9.618.725" Fax:"08.3.9.737.312; 08.3.9.618.736" 1. Phu Tho Hoa Transaction Office 303 Nguyen Son Phu Thanh, Tan Phu District Ho Chi Minh Tel:(08).3.9.786.034 Fax:(08).3.9.786.034 2. Tan Quy Transaction Office 32 - 32A - 30/1 Go Dau Tan Quy, Tan Phu District Ho Chi Minh Tel:(08).3.8.109.833 Fax:(08).3.8.109.833 3. Tan Binh Industrial Park Transaction Office 62-64 Tay Thanh Tay Thanh, Tan Phu District Ho Chi Minh Tel:(08).3.8.156.799 Fax:(08).3.8.156.799 4. Au Co Transaction Office 615B Au Co Hoa Thanh, Tan Phu District Ho Chi Minh Tel:(08).3.9.751.531 Fax:(08).3.9.751.533
5. Le Trong Tan Transaction Office 143-145 Le Trong Tan (& 78 Son Ky) Son Ky, Tan Phu District, Ho Chi Minh Tel:(08).3.8.165.685 (86) Fax:(08).3.8.165.687 6. Go Cat Transaction Office 768 - 770 Tan Ky - Tan Quy Binh Hung Hoa, Binh Tan District Ho Chi Minh Tel:(08).3.7.671.596(97) Fax:(08).3.7.671.598 7. Le Van Quoi Transaction Office 246 Le Van Quoi Binh Hung Hoa, Binh Tan District Ho Chi Minh Tel:(08).3.9.721.815 Fax:(08).3.9.721.817 8. Luy Ban Bich Transaction Office No. 580 (Ground & 1st Floor) Luy Ban Bich Hiep Tan, Tan Phu District Ho Chi Minh Tel:(08).3.9.737.303(304) Fax:(08).3.9.737.311 15. Binh Thanh Branch 270B Bach Dang Ward 24, Binh Thanh District Ho Chi Minh Tel:(08).3.5.512.700 Fax:(08).3.5.512.699 1. Thi Nghe Transaction Office 89-91 Xo Viet Nghe Tinh Ward 7, Binh Thanh District Ho Chi Minh Tel:(08).3.5.144.767 Fax:(08).3.5.144.764 2. Thanh Da Transaction Office 552A - 552B Xo Viet Nghe Tinh Ward 25, Binh Thanh District Ho Chi Minh Tel:(08).3.5.119.570 Fax:(08).3.5.116.108 3. Binh Hoa Transaction Office 95 Le Quang Dinh Ward 14, Binh Thanh District Ho Chi Minh Tel:(08).3.5.510.502 Fax:(08).3.5.160.644 4. No Trang Long Transaction Office 202-204 No Trang Long Ward 12, Binh Thanh District Ho Chi Minh Tel:(08).3.5.162.227 Fax:(08).3.5.162.285 16. Binh Tay Branch 59-61-63-65 Hau Giang Ward 2, District 6, Ho Chi Minh Tel:(08).3.9.699.355(52) Fax:(08).3.9.699.361 1. Kim Bien Transaction Office 286 - 288 Hai Thuong Lang Ong Ward 14, District 5, Ho Chi Minh Tel:(08).5.4.052.300 Fax:(08).5.4.052.323 (24) 2. Cay Go Transaction Office 129A Minh Phung Ward 9, District 6, Ho Chi Minh Tel:(08).3.9.698.265 /66 /67 Fax:(08).3.9.698.264 3. Pham Van Chi Transaction Office 129-131 Pham Phu Thu Ward 3, District 6, Ho Chi Minh Tel:(08).3.9.676.171(173) Fax:(08).3.9.676.174 4. Tran Van Kieu Transaction Office 24 Tran Van Kieu Ward 10, District 5, Ho Chi Minh Tel:(08).3.9.520.301 (302, 296) Fax:(08).3.9.520.300 5. Ba Hom Transaction Office 698 Avenue 10 - Area 18 W. Binh Tri Dong, Binh Tan District Ho Chi Minh Tel:(08).3.7.620.760(61,62,63,64) Fax:(08).3.7.620.765 SOUTHWEST 1. An Giang Branch 333 Tran Hung Dao My Quy, Long Xuyên, An Giang Tel:(076).3.924.924 Fax:(076).3.924.900 1. Tan Chau Transaction Office 104 Ton Duc Thang W Long Thanh, Tan Chau, An Giang Tel:(076).3.534.282 Fax:(076).3.534.284 2. Chau Phu Transaction Office 17 Tran Quang Khai Cai Dau Town, Chau Phu, An Giang Tel:(076).3.685.856 Fax:(076).3.685.858 3. Nui Sam Transaction Office 9 Tan Lo Kieu Luong - Area Vinh Dong W. Nui Sam, Chau Doc , An Giang Tel:(076).3.571.678 Fax:(076).3.571.680 4. Cho Moi Transaction Office Avenue 942 ,2 Hamlet My Luong Town, Cho Moi, An Giang Tel:(076).3.626.554 Fax:(076).3.626.556 5. Chau Doc Transaction Office 88 Dong Da W. Chau Phu A, Chau Doc, An Giang Tel:(076).3.260.262 Fax:(076).3.260.264 6. Phu Tan Transaction Office 115 Chu Van An Phu My Town, Phu Tan, An Giang Tel:"(076).3.582.444;(076). 3.587.933 (44)" Fax:(076).3.587.955 7. Thoai Son Transaction Office 575 Nguyen Hue Nui Sap Town, Thoai Son, An Giang Tel:(076).3.712.770 (771, 772) Fax:(076).3.712.773 8. Tinh Bien Transaction Office 564-566 National Highway 91 Xuan Hoa, Tinh Bien Town, Tinh Bien, An Giang Tel:(076).3.751.751 (52, 53) Fax:(076).3.751.754 9. Long Xuyen Transaction Office 56B Ton Duc Thang My Binh, Long Xuyen, An Giang Tel:(076).3.956.516 Fax:(076).3.956.515 2. Can Tho Branch 95-97-99 Vo Van Tan Tan An, Ninh Kieu, Can Tho Tel:(0710).3.843.295 Fax:(0710).3.843.289 (294) 1. Tra Noc Transaction Office 34 A2 Tra Noc 1 Industrial Park Tra Noc, Binh Thuy, Can Tho Tel:(0710).3.811.022 Fax:(0710).3.810.523 2. Thot Not Transaction Office 314 National Highway 91 - Area Long Thanh A W. Thot Not, Thot Not District Can Tho Tel:(0710).3.854.636 Fax:(0710).3.854.656 3. 3 thang 2 Transaction Office 174 B 3 thang 2 Hung Loi, Ninh Kieu , Can Tho Tel:(0710).3.740.611 Fax:(0710).3.740.609 4. O Mon Transaction Office 958/6 26 Thang 3 W. Chau Van Liem, O Mon District Can Tho Tel:(0710).3.665.550 (570,580) Fax:(0710).3.665.560 5. Cai Khe Transaction Office 81 - 83 Tran Van Kheo W. Cai Khe, Ninh Kieu District Can Tho Tel:(0710).3.761.687 Fax:(0710).3.761.688 ANNUAL REPORT 2011 170
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
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8.7 Analysis by type of business en
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(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 and 170: 2. Phan Ri Cua Transaction Office 2
Page 171: 3. Ong Ta Transaction Office 785-78
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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