ASSETS
|
|
|
|
|
|
I. Cash and precious metals
|
13,778,358
|
15,095,394
|
18,011,766
|
18,348,519
|
14,504,849
|
II. Balances with the State Bank of Vietnam
|
34,684,091
|
33,139,373
|
22,506,711
|
92,557,809
|
58,104,503
|
III. TreasuryBill
|
0
|
0
|
|
|
|
IV. Placements with and loans to other credit institutions
|
249,470,372
|
267,774,393
|
225,394,684
|
313,591,813
|
335,616,377
|
1. Cash and gold deposits at other credit institutions
|
190,100,329
|
204,518,531
|
180,894,919
|
283,682,088
|
311,149,645
|
2. Loans to other credit istitutions
|
62,370,043
|
64,255,862
|
48,499,765
|
40,749,725
|
30,175,707
|
3. Provision for losses on loans to other credit institutions
|
-3,000,000
|
-1,000,000
|
-4,000,000
|
-10,840,000
|
-5,708,975
|
V. Trading securities
|
1,801,126
|
1,954,061
|
2,766,098
|
1,499,687
|
2,495,408
|
1. Trading securities
|
1,889,628
|
1,991,861
|
2,822,531
|
1,543,575
|
2,511,395
|
2. Provision for diminution in value of trading securities
|
-88,502
|
-37,800
|
-56,433
|
-43,888
|
-15,987
|
VI. Derivatives and other financial assets
|
98,312
|
0
|
303,202
|
156,515
|
|
VII. Loans and advances to customers
|
724,290,102
|
820,420,266
|
934,774,287
|
1,120,286,831
|
1,241,675,333
|
1. Loans and advances to customers
|
734,706,891
|
839,788,261
|
960,749,955
|
1,145,066,250
|
1,270,359,018
|
2. Provision for losses on loans and advances to customers
|
-10,416,789
|
-19,367,995
|
-25,975,668
|
-24,779,419
|
-28,683,685
|
VIII. Investment securities
|
167,529,689
|
156,931,097
|
170,604,700
|
196,171,212
|
145,780,067
|
1. Available - for - sales securities
|
35,699,090
|
42,148,831
|
71,122,502
|
100,739,669
|
67,882,480
|
2. Held - to - maturity securities
|
132,271,302
|
115,382,544
|
99,657,595
|
95,513,376
|
78,009,747
|
3. Provision for diminution in value of investment securities
|
-440,703
|
-600,278
|
-175,397
|
-81,833
|
-112,160
|
IX. Investment in other entities and long-term investments
|
2,464,493
|
2,235,538
|
2,346,176
|
2,193,516
|
2,224,945
|
1. Investment in subsidiaries
|
0
|
0
|
|
|
|
2. Investment in joint-ventures
|
940,807
|
711,467
|
748,895
|
771,057
|
826,152
|
3. Investment in associate cmpanies
|
10,863
|
11,248
|
10,820
|
11,313
|
12,073
|
4. Other long-term investment
|
1,587,823
|
1,587,823
|
1,661,461
|
1,529,145
|
1,529,145
|
5. Provision for diminution in value of long-term investment
|
-75,000
|
-75,000
|
-75,000
|
-117,999
|
-142,425
|
X. Fixed assets
|
6,710,443
|
8,540,358
|
8,626,043
|
7,985,401
|
7,708,181
|
1. Tangible fixed assets
|
4,449,649
|
5,412,135
|
5,552,624
|
5,170,083
|
5,115,612
|
- Cost
|
11,161,239
|
12,864,742
|
13,725,160
|
13,950,173
|
14,714,588
|
- Accumulated depreciation
|
-6,711,590
|
-7,452,607
|
-8,172,536
|
-8,780,090
|
-9,598,976
|
2. Leased assets
|
0
|
0
|
|
|
|
- Cost
|
0
|
0
|
|
|
|
- Accumulated depreciation
|
0
|
0
|
|
|
|
3. Intangible fixed assets
|
2,260,794
|
3,128,223
|
3,073,419
|
2,815,318
|
2,592,569
|
- Cost
|
3,050,669
|
4,211,880
|
4,622,229
|
4,789,089
|
4,906,881
|
- Accumulated depreciation
|
-789,875
|
-1,083,657
|
-1,548,810
|
-1,973,771
|
-2,314,312
|
4. Construction in progress expense
|
0
|
0
|
|
|
|
XI. Investment properties
|
0
|
0
|
|
|
|
- Cost
|
0
|
0
|
|
|
|
- Accumulated amortization
|
0
|
0
|
|
|
|
XII. Other assets
|
21,891,872
|
21,446,532
|
29,431,813
|
61,396,906
|
31,113,676
|
1. Receivables
|
8,829,375
|
9,200,890
|
16,258,514
|
24,932,725
|
12,586,717
|
2. Interests and fee receivables
|
8,150,156
|
7,205,739
|
7,149,695
|
9,209,121
|
9,200,023
|
3. Deferred income tax assets
|
405,543
|
7,154
|
7,137
|
927,450
|
848,269
|
4. Other assets
|
4,510,592
|
5,036,638
|
6,020,487
|
26,331,539
|
8,494,130
|
- In which: Good will
|
0
|
0
|
|
|
|
5. Provision for losses on other assets
|
-3,794
|
-3,889
|
-4,020
|
-3,929
|
-15,463
|
TOTAL ASSETS
|
1,222,718,858
|
1,327,537,012
|
1,414,765,480
|
1,814,188,209
|
1,839,223,339
|
LIABILITIES AND SHAREHOLDERS' EQUITY
|
|
|
|
|
|
I. Due to Government and borrowings from the State Bank of Vietnam
|
92,365,806
|
41,176,995
|
9,468,116
|
67,314,816
|
1,670,837
|
II. Deposits and borrowings from other credit institutions
|
73,617,085
|
103,583,833
|
109,757,777
|
232,510,850
|
213,841,980
|
1. Deposits form other credit institutions
|
71,046,512
|
100,916,433
|
104,043,817
|
222,040,585
|
193,966,218
|
2. Borrowings form other credit institutions
|
2,570,573
|
2,667,400
|
5,713,960
|
10,470,265
|
19,875,762
|
III. Depostis from customers
|
928,450,869
|
1,032,113,567
|
1,135,323,913
|
1,243,468,472
|
1,395,694,611
|
IV. Derivatives and other debts
|
0
|
52,031
|
|
|
117,752
|
V. Funds received from Government, international and other institutions
|
20,431
|
14,679
|
7,707
|
3,298
|
365
|
VI. Certificate of deposits
|
21,383,932
|
21,240,197
|
17,387,747
|
25,337,894
|
19,912,623
|
VII. Other liabilities
|
25,997,753
|
30,496,316
|
31,649,565
|
107,564,437
|
39,441,847
|
1. Intersest and fee payables
|
10,382,357
|
9,797,834
|
9,339,210
|
12,485,332
|
19,527,028
|
2. Deferred income tax payables
|
22,023
|
0
|
|
|
|
3. Other payables
|
15,593,373
|
20,698,482
|
22,310,355
|
95,079,105
|
|
4. Other Provisions
|
0
|
0
|
|
|
19,914,819
|
VIII. Shareholders' equity
|
80,799,523
|
98,774,370
|
111,083,542
|
137,900,063
|
168,449,334
|
1. Capital
|
42,428,820
|
42,428,820
|
42,428,821
|
53,130,392
|
61,696,139
|
- Paid-up capital
|
37,088,774
|
37,088,774
|
37,088,774
|
47,325,166
|
55,890,913
|
- Construction capital
|
0
|
0
|
|
|
|
- Share capital surplus
|
4,995,389
|
4,995,389
|
4,995,389
|
4,995,389
|
4,995,389
|
- Treasury stocks
|
0
|
0
|
|
|
|
- Prefered Stocks
|
0
|
0
|
|
|
|
- Other equity resources
|
344,657
|
344,657
|
344,658
|
809,837
|
809,837
|
2. Reserves
|
12,186,141
|
12,204,398
|
14,977,015
|
18,133,039
|
22,562,445
|
3. Foreign exchange differences
|
16,361
|
22,719
|
-4,809
|
-863,071
|
-983,237
|
4. Asset revaluation differences
|
113,011
|
0
|
|
|
|
5. Retained earning
|
26,055,190
|
44,118,433
|
53,682,515
|
67,499,703
|
85,173,987
|
6. Other funds and expenses
|
|
0
|
|
|
|
IX. Benefits of minority shareholader
|
83,459
|
85,024
|
87,113
|
88,379
|
93,990
|
TOTAL RESOURCES
|
1,222,718,858
|
1,327,537,012
|
1,414,765,480
|
1,814,188,209
|
1,839,223,339
|