- Page 4 and 5: ContEnt 03 MESSAGE 02 Major financi
- Page 6 and 7: Mission To maximise value for custo
- Page 8 and 9: SACoMBAnK PRoFILE GENERAL INFORMATI
- Page 10 and 11: MESSAGE FRoM tHE CHAIRMAn oF tHE Bo
- Page 12 and 13: WoRDS oF GRAtItUDE “Among the str
- Page 15 and 16: In early 1990s, in the context of t
- Page 17 and 18: Core Banking System helped Sacomban
- Page 19 and 20: 20 YEARS’ INNOVATION AND DEVELOPM
- Page 21 and 22: 4. 30 March 2011 - Sacombank and FM
- Page 23 and 24: 20 YEARS’ INNOVATION AND DEVELOPM
- Page 25 and 26: FInAnCE • Finance Planning Depart
- Page 27 and 28: Mr. Pham Duy Cuong Member 23 years
- Page 29 and 30: ORGANIZATION The Chairman of the BO
- Page 31 and 32: ACtIVItIES oF tHE BoARD oF SUPERVIS
- Page 33: Ms. Quach Thanh Ngoc Thuy Deputy CE
- Page 36 and 37: REPoRt oF tHE BoARD oF DIRECtoRS ON
- Page 38 and 39: REPoRt oF tHE BoARD oF SUPERVISoRS
- Page 40 and 41: REPoRt oF tHE BoARD oF MAnAGEMEnt G
- Page 42 and 43: REPoRt oF tHE BoARD oF MAnAGEMEnt A
- Page 44 and 45: ACHIEVEMENTS IN 2011 Risk managemen
- Page 46 and 47: PERFoRMAnCE RESULtS oF SUBSIDIARIES
- Page 48 and 49: CREDIt RAtInG RESULtS MOODY’S AND
- Page 50 and 51: oBJECtIVES AnD PLAnS FoR 2012 OVERA
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oBJECtIVES AnD PLAnS FoR 2012 FOCAL
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STRATEGIC ORIENTATION FOR 2011-2020
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53 ANNUAL REPORT 2011
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HUMAn RESoURCES MAnAGEMEnt PEOPLE A
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tECHnoLoGy QUẢN TRỊ CôNG MAnAG
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FInAnCIAL MAnAGEMEnt FINANCIAL REST
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FInAnCIAL MAnAGEMEnt RESOLUTIONS 1.
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nEtWoRK DEVELoPMEnt Network and str
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RISK MAnAGEMEnt IMPROVEMENT OF EFFI
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InFoRMAtIon FoR SHAREHoLDERS CHANGE
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InFoRMAtIon FoR SHAREHoLDERS PROFIT
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InFoRMAtIon FoR SHAREHoLDERS INVEST
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SoCIAL RESPonSIBILIty “In busines
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SoCIAL RESPonSIBILIty JOINT EFFORTS
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77 ANNUAL REPORT 2011
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79 ANNUAL REPORT 2011 SINGLE-ENTITY
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STATEMENT BY MANAGEMENT STATEMENT O
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BALANCE SHEET A ASSETS 83 ANNUAL RE
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INCOME STATEMENT 85 ANNUAL REPORT 2
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CASH FLOW STATEMENT (Direct method)
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CORPORATE INFORMATION Banking Licen
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AuDITOR’S REPORT INDEPENDENT AUDI
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CONSOLIDATED INCOME STATEMENT A ASS
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CONSOLIDATED INCOME STATEMENT 95 AN
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CONSOLIDATED INCOME STATEMENT CASH
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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129 NOTES TO THE CONSOLIDATED FINAN
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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143 NOTES TO THE CONSOLIDATED FINAN
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NOTES TO THE CONSOLIDATED FINANCIAL
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147 NOTES TO THE CONSOLIDATED FINAN
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149 NOTES TO THE CONSOLIDATED FINAN
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151 44.2.1 Foreign exchange risk (c
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NOTES TO THE CONSOLIDATED FINANCIAL
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155 444.2.2 Interest rate risk (con
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NOTES TO THE CONSOLIDATED FINANCIAL
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NOTES TO THE CONSOLIDATED FINANCIAL
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HEAD OFFICE 266-268 Nam Ky Khoi Ngh
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1. Sao Do Transaction Office 119 Ng
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1. Nam Tuy Hoa Transaction Office 3
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3. Rach Dua Transaction Office 196,
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1. Kien Thiet Transaction Office 83
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6. An Phu Transaction Office 228.1C
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2. Tieu Can Transaction Office 17 s
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175 ANNUAL REPORT 2011