notes to the consolidated financial statements - Sacombank

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oRGAnIzAtIon CHARt Management and Supervision SHAREHoLDER CoMMIttEE BoARD oF DIRECtoRS BoARD oF SUPERVISoRS internal audit Operations CEo HR & tRAnInG • Human Resource Department • Traning Center 21 • Investment sector ANNUAL REPORT 2011 FInAnCIAL InVEStMEnt CoUnCIL * CREDIt CoUnCIL • Board of Research & Development • Board of Productivity & Quality • Financial Institutions Department • Balance Sheet Management Department PERSonAL BAnKInG • Personal Banking • E - Banking • Contact Center CoRPoRAtE BAnKInG • Corporate Banking tREASURy • Capital Market Department • Forex Department • Northern Region Treasury Center tRAnSACtIon CEntER Board of Directors’ office CREDIt • Appraisal Department InFoRMAtIon tECHnoLoGy • IT Department • Data Center (*) Besides Credit Council, Financial Investment Council and Risk Management Committee, the Organization also includes: Executive Councils include: Peformance Review Council, Debt Management Council Traning Council, Procurement Council,,... Management Committees include: Personal Committee, Strategy and Policy Development Committee, Reward and Compensation Committee Overdue Loan Review Committee, IT Modernzation Steering Committee, Re-engineering Committee.
FInAnCE • Finance Planning Department • Accounting Department oPERAtIon • International Payment Center • Domestic Payment & Treasury Department • Forex Support Sector RISK MAnAGEMEnt • Risk Management Department • Legal & Compliance Department SUPPoRtInG • Administration Department • Construction Department • External Affairs Department REGIonS Regional office • Internal Audit Sector • Appraisal Sector • Business Support Sector SUBSIDIARIES (Card Center, Wealth Management Center, Security Center, Sacombank - SBL, Sacombank - SBA, Sacombank - SBJ, Sacombank - SBR, Sacombank Cambodia Plc) ORGANIZATION Branches • Personal Banking Department • Corporate Banking Department • Forex Sector • Business Support Department • Accounting & Administration Department Transaction Offices • Business Sector • Business Support Sector ANNUAL REPORT 2011 22
Page 2: Explanation about the meaning of fi
Page 5 and 6: MAJOR FINANCIAL INDICATORS (in VND
Page 7 and 8: ANNUAL REPORT 2011 4
Page 9 and 10: 9 REGION BRANCH 8 7 3 2 5 1 4 6 TRA
Page 11 and 12: shortcomings of intensive concentra
Page 13: From the left, Mr Dang Van Thanh -
Page 16 and 17: InCoRPoRAtIon AnD DEVELoPMEnt SACOM
Page 18 and 19: HIStoRICAL MILEStonES 21 December 1
Page 20 and 21: 2011 EVEnt HIGHLIGHtS 1. 22 Februar
Page 22 and 23: 5. 7 April 2011 - Ho Chi Minh City
Page 26 and 27: IntRoDUCtIon to tHE BoARD oF DIRECt
Page 28 and 29: ACtIVItIES oF tHE BoARD oF DIRECtoR
Page 30 and 31: IntRoDUCtIon to tHE BoARD oF SUPERV
Page 32 and 33: IntRoDUCtIon to tHE BoARD oF MAnAGE
Page 35 and 36: For 20 years, Sacombank has been de
Page 37 and 38: In addition, to ensure the highest
Page 39 and 40: Liquidity risk (i) High inflation o
Page 41 and 42: and foreign exchange rates were con
Page 43 and 44: Day and Sacombank Plus in associati
Page 45 and 46: Frequent training was provided thro
Page 47 and 48: BÁO CÁO KẾT QUẢ KINH DOANH AN
Page 49 and 50: Criteria Rating Meanings Issue cred
Page 51 and 52: Development orientation of the bank
Page 53 and 54: lending portfolio in accordance wit
Page 55 and 56: on job position/title, and proper a
Page 57 and 58: CORPORATE GOVERNANCE With the aim o
Page 59 and 60: the proper implementation of these
Page 61 and 62: Data Center Launch the virtualisati
Page 63 and 64: OBJECTIVES AND MANAGERIAL RESOLUTIO
Page 65 and 66: asset portfolio with risks with the
Page 67 and 68: n Third: building the business netw
Page 69 and 70: Results for some operational safety
Page 71 and 72: NUMBER OF STB SHARES BY YEAR 208,94
Page 73 and 74: SHAREHOLDING STRUCTURE AT 31 DECEMB
Page 75 and 76:
As a large and responsible listed o
Page 77 and 78:
Of these, Sacombank focuses special
Page 79 and 80:
FOR A BETTER LIFE n Continuing to p
Page 81 and 82:
FINANCIAL STATEMENTS Bringing added
Page 83 and 84:
CORPORATE INFORMATION Banking Licen
Page 85 and 86:
AuDITOR’S REPORT INDEPENDENT AUDI
Page 87 and 88:
BALANCE SHEET (continued) B LIABILI
Page 89 and 90:
CASH FLOW STATEMENT (Direct method)
Page 91 and 92:
CONSOLIDATED FINANCIAL STATEMENTS F
Page 93 and 94:
STATEMENT BY MANAGEMENT STATEMENT O
Page 95 and 96:
Opinion In our opinion, the consoli
Page 97 and 98:
CONSOLIDATED INCOME STATEMENT (Cont
Page 99 and 100:
CONSOLIDATED INCOME STATEMENT (Dire
Page 101 and 102:
NOTES TO THE CONSOLIDATED FINANCIAL
Page 103 and 104:
Inter-company balances, transaction
Page 105 and 106:
n Second-time rescheduled debts whi
Page 107 and 108:
Gains or losses from disposal of tr
Page 109 and 110:
2.13 Cash and cash equivalents For
Page 111 and 112:
4 BALANCES WITH THE STATE BANK 31.1
Page 113 and 114:
6 TRADING SECURITIES 31.12.2011 31.
Page 115 and 116:
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 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 and 178:
ANNUAL REPORT 2011 174
Page 179:
SAIGON THUONG TIN COMMERCIAL JOINT
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