notes to the consolidated financial statements - Sacombank

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77 ANNUAL REPORT 2011
FINANCIAL STATEMENTS Bringing added values for shareholders and potential investors is one of the bank’s goals, core values and thoughts which were set up in its development strategies for each period. Thus, Sacombank is committed to boosting the inherent advantages and maintaining a stable growth rate. With the long-term development strategies, Sacombank’s three objectives of efficient business, safe and sustainable development have always been combined harmoniously and consistently in all business activities. Mark of growth ANNUAL REPORT 2011 78
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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
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: FOR A BETTER LIFE n Continuing to p
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
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In accordance with Decree No. 146/2
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28 FEES AND COMMISSION INCOME 2011
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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
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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
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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
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4. Thua Thien Hue Branch 126 Nguyen
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2. Phan Ri Cua Transaction Office 2
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3. Ong Ta Transaction Office 785-78
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5. Le Trong Tan Transaction Office
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1. My Xuyen Transaction Office 1 Av
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ANNUAL REPORT 2011 174
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SAIGON THUONG TIN COMMERCIAL JOINT
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