|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
102,543,322
|
120,353,954
|
149,404,765
|
135,683,986
|
149,963,326
|
|
- Interest expense and similar expenses paid
|
-55,090,590
|
-60,525,301
|
-88,243,401
|
-86,044,710
|
-86,565,003
|
|
- Cash received from services provided
|
6,613,095
|
5,658,558
|
6,572,478
|
7,073,571
|
6,944,790
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
2,435,459
|
3,483,593
|
8,389,112
|
10,853,510
|
5,626,153
|
|
- Other cash received
|
-2,145,921
|
-1,554,616
|
-3,364,738
|
-3,150,577
|
-1,626,284
|
|
- Cash received from absolved debts which were covered by risk provisions
|
8,202,395
|
5,758,269
|
5,431,863
|
8,108,024
|
14,759,345
|
|
- Cash paid to employees and administration actitivities
|
-20,209,576
|
-20,960,519
|
-23,430,126
|
-25,801,747
|
-28,237,110
|
|
- Income tax paid
|
-2,614,509
|
-4,023,518
|
-4,549,151
|
-6,884,931
|
-6,768,355
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
39,733,675
|
48,190,420
|
50,210,802
|
39,837,126
|
54,096,862
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-10,034,543
|
3,512,238
|
-1,061,184
|
-8,765,806
|
-5,384,024
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-47,345,676
|
-55,646,939
|
8,284,842
|
-66,507,396
|
-23,883,528
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-24,349
|
-845,932
|
1,038,214
|
-663,256
|
663,256
|
|
- Increase/(Decrease) in loans and advances to customers
|
-140,336,724
|
-167,595,897
|
-255,443,174
|
-278,417,535
|
-316,872,691
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-19,344,618
|
-14,818,366
|
-17,924,823
|
-23,561,854
|
-26,117,579
|
|
- Increase/(Decrease) in other operating assets
|
3,567,446
|
-14,902,873
|
-4,658,359
|
-1,560,690
|
-8,339,668
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-2,236,589
|
-1,599,082
|
4,604,864
|
132,492,470
|
50,436,567
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
15,742,758
|
80,790,086
|
5,030,828
|
51,125,391
|
184,786,771
|
|
- Increase/(Decrease) in deposits from customers
|
170,321,820
|
222,218,958
|
109,209,809
|
248,480,309
|
270,059,051
|
|
- Increase/(Decrease) in valuapapers issued
|
60,445,066
|
33,369,844
|
32,435,138
|
9,413,429
|
13,761,128
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
1,405,445
|
-1,112,371
|
-1,029,896
|
-226,262
|
61,600
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
|
328,154
|
-328,155
|
230,559
|
|
- Increase/(Decrease) in other operating liabilities
|
-2,238,027
|
1,778,926
|
-2,337,398
|
-237,687
|
-541,920
|
|
- Cash paid from funds of credit institution
|
-895
|
-980
|
-1,164
|
|
|
|
Net cash flows from operating activities
|
69,654,789
|
133,338,032
|
-71,313,347
|
101,080,084
|
192,956,384
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
|
|
- Purchase of fixed assets
|
-1,856,904
|
-1,032,924
|
-1,833,972
|
-1,244,829
|
-1,822,980
|
|
- Proceeds from disposal of fix assets
|
8,376
|
9,868
|
11,710
|
19,896
|
11,375
|
|
- Payment on disposal of fixed assets
|
-4,944
|
-1,585
|
-2,435
|
-4,693
|
-2,994
|
|
- Purchase of investment properties
|
0
|
|
|
|
|
|
- Proceeds from disposal of investment properties
|
0
|
|
|
|
|
|
- Payment on disposal of investment properties
|
0
|
|
|
|
|
|
- Investment in other entities
|
-53,725
|
|
|
|
|
|
- Proceeds from disinvestment in other entities
|
0
|
|
|
14,108
|
|
|
- Dividends and interest received
|
88,441
|
165,566
|
308,658
|
88,105
|
175,906
|
|
Net cash flows from investment activities
|
-1,818,756
|
-859,075
|
-1,516,039
|
-1,127,413
|
-1,638,693
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
|
|
|
4,753,174
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
26,043,000
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
-13,296,520
|
|
- Dividends paid
|
-1,261,627
|
-152,939
|
-119,694
|
-94,460
|
-3,245,811
|
|
- Purchase treasury shares
|
0
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
|
|
|
|
|
Net cash flows from financing activities
|
-1,261,627
|
-152,939
|
-119,694
|
-94,460
|
14,253,843
|
|
IV. Net cash flows of the year
|
66,574,406
|
132,326,018
|
-72,949,080
|
99,858,211
|
205,571,534
|
|
V. Cash and cash equivalents at the beginning of year
|
98,771,238
|
165,330,266
|
297,687,381
|
224,739,002
|
324,724,464
|
|
VI. Effect of foreign exchange differences
|
0
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
165,345,647
|
297,656,284
|
224,738,302
|
324,597,213
|
530,295,998
|
