|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
37,239,388
|
33,049,473
|
32,878,708
|
34,674,117
|
34,333,282
|
|
- Interest expense and similar expenses paid
|
-26,807,037
|
-22,722,815
|
-21,670,401
|
-21,134,312
|
-20,516,643
|
|
- Cash received from services provided
|
1,616,913
|
1,693,013
|
1,939,046
|
1,474,977
|
1,966,665
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
4,982,760
|
1,631,276
|
2,324,875
|
663,104
|
6,235,127
|
|
- Other cash received
|
-2,805,334
|
-391,629
|
-748,694
|
-293,231
|
-1,717,999
|
|
- Cash received from absolved debts which were covered by risk provisions
|
2,124,405
|
892,313
|
1,778,317
|
1,793,650
|
3,643,744
|
|
- Cash paid to employees and administration actitivities
|
-7,168,226
|
-7,053,660
|
-5,667,276
|
-5,239,565
|
-7,839,400
|
|
- Income tax paid
|
-238,136
|
-3,438,635
|
-1,472,708
|
-1,642,853
|
-330,735
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
8,944,733
|
3,659,336
|
9,361,867
|
10,295,887
|
15,774,041
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
1,515,383
|
-329,447
|
-1,255,191
|
-2,575,142
|
-4,606,301
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-16,508,730
|
2,091,837
|
-33,056,672
|
-10,209,612
|
-24,584,948
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
0
|
-34,319
|
34,319
|
-55,744
|
-607,512
|
|
- Increase/(Decrease) in loans and advances to customers
|
-124,212,739
|
-16,265,349
|
-88,885,169
|
-70,249,835
|
-103,017,182
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-6,103,728
|
-3,621,809
|
-8,671,652
|
-3,624,721
|
-7,643,672
|
|
- Increase/(Decrease) in other operating assets
|
1,112,121
|
-9,470,950
|
-15,381,115
|
10,435,924
|
12,858,907
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
4,734,386
|
21,126,346
|
74,105,888
|
-35,712,701
|
72,972,937
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
-5,583,945
|
-14,020,757
|
25,395,586
|
23,045,943
|
16,704,619
|
|
- Increase/(Decrease) in deposits from customers
|
138,645,642
|
30,088,891
|
72,147,263
|
66,799,999
|
79,445,533
|
|
- Increase/(Decrease) in valuapapers issued
|
27,468,890
|
-8,922,186
|
17,083,940
|
-4,331,406
|
5,583,081
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-291,222
|
-17,660
|
-226,806
|
-355,085
|
373,289
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-69,654
|
-328,155
|
398,345
|
-398,345
|
0
|
|
- Increase/(Decrease) in other operating liabilities
|
-858,264
|
510,588
|
-1,451,838
|
1,120,973
|
-418,648
|
|
- Cash paid from funds of credit institution
|
-1,164
|
|
|
|
|
|
Net cash flows from operating activities
|
28,791,709
|
4,466,366
|
49,598,765
|
-15,813,865
|
62,834,144
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
|
|
- Purchase of fixed assets
|
-607,584
|
-309,550
|
-333,775
|
-335,404
|
-266,100
|
|
- Proceeds from disposal of fix assets
|
6,626
|
937
|
2,356
|
7,058
|
9,545
|
|
- Payment on disposal of fixed assets
|
-2,005
|
-1,305
|
-530
|
-2,664
|
-194
|
|
- 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
|
|
|
|
|
14,108
|
|
- Dividends and interest received
|
180,591
|
3,939
|
70,229
|
7,901
|
6,036
|
|
Net cash flows from investment activities
|
-422,372
|
-305,979
|
-261,720
|
-323,109
|
-236,605
|
|
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
|
-74,839
|
|
-8,637
|
0
|
-85,823
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
-74,839
|
|
-8,637
|
0
|
-85,823
|
|
IV. Net cash flows of the year
|
28,294,498
|
4,160,387
|
49,328,408
|
-16,136,974
|
62,511,716
|
|
V. Cash and cash equivalents at the beginning of year
|
196,443,803
|
224,739,002
|
228,899,389
|
278,222,471
|
262,085,497
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
224,738,302
|
228,899,389
|
278,227,797
|
262,085,497
|
324,597,213
|
