- Page 2: Explanation about the meaning of fi
- Page 5: MAJOR FINANCIAL INDICATORS (in VND
- 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 24 and 25: oRGAnIzAtIon CHARt Management and S
- 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
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OBJECTIVES AND MANAGERIAL RESOLUTIO
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asset portfolio with risks with the
- Page 67 and 68:
n Third: building the business netw
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Results for some operational safety
- Page 71 and 72:
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
- Page 79 and 80:
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
- Page 103 and 104:
Inter-company balances, transaction
- Page 105 and 106:
n Second-time rescheduled debts whi
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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
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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
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21.1 Payables to customers Included
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Number of shares Ordinary shares Sh
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In accordance with Decree No. 146/2
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28 FEES AND COMMISSION INCOME 2011
- Page 137 and 138:
34 GENERAL AND ADMINISTRATIVE EXPEN
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The deferred income tax assets aris
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41 COMMITMENTS UNDER OPERATING LEAS
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44.1.1 Credit risk measurement and
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44.1.4 Collaterals As a common prac
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44.1.5 Credit quality (continued) T
- Page 149 and 150:
44.1.6 Concentration of risks of fi
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44.1.6 Concentration of risks of fi
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44.2 Market risk The Group takes on
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44.2.1 Foreign exchange risk (conti
- Page 157 and 158:
44.2.2 Interest rate risk (continue
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44.2.3 Price risk The Group is expo
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44.3.1 On-balance sheet items CURRE
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45 FAIR VALUE MEASUREMENT The conso
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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