notes to the consolidated financial statements - Sacombank

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BALANCE SHEET A ASSETS 83 ANNUAL REPORT 2011 As at 31 December FORM B 02/TCTD Notes 2011 2010 Million VND Million VND I Cash and precious metals 3 11,644,700 12,570,956 II Balances with the State Bank 4 2,572,440 3,618,830 III Placements with and loans to other credit institutions 5 9,672,911 16,376,008 IV Trading securities 1 Trading securities 6 504,786 563,683 2 Less: Provision for diminution in value of trading securities 6 (155,431) (75,822) V Derivatives and other financial assets 7 2,852 7,082 VI Loans and advances to customers 1 Loans and advances to customers 8 78,448,928 77,359,055 2 Less: Provision for losses on loans and advances to customers 9 (779,575) (742,016) VII Investment securities 1 Available-for-sales securities 10.1 24,164,301 19,118,540 2 Held-to-maturity securities 10.2 232,124 2,007,504 3 Less: Provision for diminution in value of investment securities 10.1 (28,248) (10,002) VIII Investment in other entities and long-term investments 1 Investments in subsidiaries 11 1,837,294 1,768,200 2 Other long-term investments 12 783,582 622,179 3 Less: Provision for diminution in value of investments in other entities and long-term investments 11, 12 (157,458) (103,767) IX Fixed assets 1 Tangible fixed assets 13 1,847,129 1,177,309 2 Intangible fixed assets 14 1,592,125 1,267,739 X Other assets 15 7,954,514 6,273,260 TOTAL ASSETS 140,136,974 141,798,738
BALANCE SHEET (continued) B LIABILITIES AND SHAREHOLDERS’ EQUITY FORM B 02/TCTD As at 31 December Notes 2011 2010 Million VND Million VND I Due to Government and borrowings from the State Bank of Vietnam 16 2,129,609 4,688,801 II Deposits and borrowings from other credit institutions 17 12,440,982 15,476,345 III Deposits from customers 18 74,799,927 78,858,295 IV Funds received from Government, international and other institutions 19 4,526,227 2,233,877 V Certificate of deposits 20 17,616,708 24,946,136 VI Other liabilities 21 14,399,423 1,962,175 TOTAL LIABILITIES 125,912,876 128,165,629 VII Shareholders’ Equity Capital and reserves attributable to equity holders of the Bank 1 Capital 22 10,961,760 10,851,871 2 Reserves 23 1,426,322 1,136,459 3 Foreign exchange difference 23 79,046 - 4 Retained earnings 23 1,756,970 1,644,779 TOTAL SHAREHOLDERS’ EQUITY 14,224,098 13,633,109 TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY 140,136,974 141,798,738 CONTINGENCIES AND COMMITMENTS 38 41,109,846 16,809,365 ───────────── ────────────── ─────────── Luu Van Hoa Nguyen Thi My Hanh Tran Xuan Huy Preparer Chief Accountant Chief Executive Officer 9 March 2012 ANNUAL REPORT 2011 84
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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
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: AuDITOR’S REPORT INDEPENDENT AUDI
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
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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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