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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
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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
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Accumulated depreciation At 1 Janua
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15 OTHER ASSETS 31.12.2011 Million
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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
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- Page 143 and 144: 44.1.1 Credit risk measurement and
- Page 145 and 146: 44.1.4 Collaterals As a common prac
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- 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 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: ANNUAL REPORT 2011 174
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