|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
36,986,067
|
38,925,447
|
36,253,863
|
37,239,388
|
33,049,473
|
|
- Interest expense and similar expenses paid
|
-16,948,550
|
-22,011,641
|
-22,476,173
|
-26,807,037
|
-22,722,815
|
|
- Cash received from services provided
|
1,517,399
|
1,673,914
|
1,764,252
|
1,616,913
|
1,693,013
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
712,492
|
897,427
|
1,796,433
|
4,982,760
|
1,631,276
|
|
- Other cash received
|
-123,400
|
-58,234
|
-377,770
|
-2,805,334
|
-391,629
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,099,450
|
1,092,208
|
1,115,800
|
2,124,405
|
892,313
|
|
- Cash paid to employees and administration actitivities
|
-6,284,545
|
-5,103,815
|
-4,873,540
|
-7,168,226
|
-7,053,660
|
|
- Income tax paid
|
-2,382,182
|
-1,356,964
|
-571,869
|
-238,136
|
-3,438,635
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
14,576,731
|
14,058,342
|
12,630,996
|
8,944,733
|
3,659,336
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
462,090
|
-3,641,246
|
602,589
|
1,515,383
|
-329,447
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-961,221
|
16,255,085
|
9,499,708
|
-16,508,730
|
2,091,837
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
842,175
|
-74,364
|
270,403
|
0
|
-34,319
|
|
- Increase/(Decrease) in loans and advances to customers
|
-74,930,780
|
-31,914,123
|
-24,385,532
|
-124,212,739
|
-16,265,349
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-1,416,487
|
-6,906,368
|
-3,498,240
|
-6,103,728
|
-3,621,809
|
|
- Increase/(Decrease) in other operating assets
|
449,710
|
-522,681
|
-5,697,509
|
1,112,121
|
-9,470,950
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
246,892
|
-276,880
|
-99,534
|
4,734,386
|
21,126,346
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
-30,373,887
|
44,698,436
|
-3,709,776
|
-5,583,945
|
-14,020,757
|
|
- Increase/(Decrease) in deposits from customers
|
-5,780,393
|
-23,432,170
|
-223,270
|
138,645,642
|
30,088,891
|
|
- Increase/(Decrease) in valuapapers issued
|
12,927,657
|
-13,729,579
|
5,768,170
|
27,468,890
|
-8,922,186
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-121,591
|
-275,980
|
-341,103
|
-291,222
|
-17,660
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
|
|
397,808
|
-69,654
|
-328,155
|
|
- Increase/(Decrease) in other operating liabilities
|
-311,409
|
567,328
|
-1,735,053
|
-858,264
|
510,588
|
|
- Cash paid from funds of credit institution
|
|
|
|
-1,164
|
|
|
Net cash flows from operating activities
|
-84,390,513
|
-5,194,200
|
-10,520,343
|
28,791,709
|
4,466,366
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
|
|
- Purchase of fixed assets
|
-207,725
|
-1,144,474
|
125,811
|
-607,584
|
-309,550
|
|
- Proceeds from disposal of fix assets
|
585
|
1,257
|
3,242
|
6,626
|
937
|
|
- Payment on disposal of fixed assets
|
-31
|
-147
|
-252
|
-2,005
|
-1,305
|
|
- Purchase of investment properties
|
|
|
|
|
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
|
|
- Payment on disposal of investment properties
|
|
|
|
|
|
|
- Investment in other entities
|
|
|
|
|
|
|
- Proceeds from disinvestment in other entities
|
|
|
|
|
|
|
- Dividends and interest received
|
43,941
|
50,232
|
33,894
|
180,591
|
3,939
|
|
Net cash flows from investment activities
|
-163,230
|
-1,093,132
|
162,695
|
-422,372
|
-305,979
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
|
|
|
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
|
|
- Dividends paid
|
|
|
-44,855
|
-74,839
|
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
|
|
-44,855
|
-74,839
|
|
|
IV. Net cash flows of the year
|
-84,553,743
|
-6,287,332
|
-10,402,503
|
28,294,498
|
4,160,387
|
|
V. Cash and cash equivalents at the beginning of year
|
297,687,381
|
213,133,638
|
206,846,306
|
196,443,803
|
224,739,002
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
213,133,638
|
206,846,306
|
196,443,803
|
224,738,302
|
228,899,389
|
