|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
82,241,866
|
82,893,702
|
102,223,780
|
129,994,092
|
125,632,413
|
|
- Interest expense and similar expenses paid
|
-49,905,127
|
-42,200,133
|
-52,246,991
|
-72,578,894
|
-69,056,980
|
|
- Cash received from services provided
|
4,715,311
|
4,944,834
|
6,293,346
|
7,169,472
|
7,289,119
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
3,052,192
|
2,477,321
|
3,653,091
|
4,538,976
|
4,293,478
|
|
- Other cash received
|
413,836
|
-49,164
|
4,623,953
|
259,651
|
-876,668
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,751,795
|
3,244,952
|
5,362,486
|
4,671,302
|
8,485,371
|
|
- Cash paid to employees and administration actitivities
|
-15,264,558
|
-16,687,841
|
-17,541,259
|
-18,023,871
|
-20,152,294
|
|
- Income tax paid
|
-2,631,635
|
-3,999,157
|
-1,911,850
|
-4,790,442
|
-6,067,746
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
24,373,680
|
30,624,514
|
50,456,556
|
51,240,286
|
49,546,693
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-2,406,360
|
-9,749,589
|
-27,007,577
|
-11,169,611
|
7,293,627
|
|
- Increase/(Decrease) in trading securities and securities investment
|
658,939
|
-59,257,892
|
6,344,015
|
-10,029,090
|
-34,188,919
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
332,590
|
-1,317,668
|
-1,623,062
|
3,058,727
|
0
|
|
- Increase/(Decrease) in loans and advances to customers
|
-73,351,099
|
-115,334,497
|
-144,153,942
|
-198,500,870
|
-248,610,150
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-19,120,548
|
-5,174,930
|
-20,194,345
|
-26,755,450
|
-18,707,196
|
|
- Increase/(Decrease) in other operating assets
|
-12,096,544
|
-11,014,596
|
-31,522,418
|
24,365,646
|
14,042,665
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-26,005,705
|
-11,302,784
|
71,484,898
|
-82,965,197
|
132,469,999
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
19,036,056
|
10,314,731
|
71,326,111
|
94,994,291
|
-28,187,066
|
|
- Increase/(Decrease) in deposits from customers
|
97,546,157
|
171,465,542
|
87,332,921
|
161,723,004
|
195,245,665
|
|
- Increase/(Decrease) in valuapapers issued
|
2,809,217
|
4,621,215
|
26,873,634
|
24,005,308
|
36,302,363
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-3,042,648
|
-205,321
|
-135,729
|
-154,422
|
-57,829
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
0
|
|
555,946
|
-157,825
|
|
- Increase/(Decrease) in other operating liabilities
|
-835,701
|
1,600,725
|
-3,785,880
|
-1,565,468
|
-2,845,579
|
|
- Cash paid from funds of credit institution
|
0
|
0
|
|
|
|
|
Net cash flows from operating activities
|
7,898,034
|
5,269,450
|
85,395,182
|
28,803,100
|
102,146,448
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
0
|
|
|
|
|
- Purchase of fixed assets
|
-714,954
|
-662,458
|
-553,745
|
-838,853
|
-1,319,839
|
|
- Proceeds from disposal of fix assets
|
107,934
|
7,370
|
16,844
|
10,473
|
15,156
|
|
- Payment on disposal of fixed assets
|
-53,715
|
-2,877
|
-2,178
|
-2,591
|
-2,641
|
|
- Purchase of investment properties
|
0
|
0
|
|
|
|
|
- Proceeds from disposal of investment properties
|
0
|
0
|
|
|
|
|
- Payment on disposal of investment properties
|
0
|
0
|
|
|
|
|
- Investment in other entities
|
0
|
0
|
|
|
|
|
- Proceeds from disinvestment in other entities
|
23,990
|
0
|
-61,988
|
|
|
|
- Dividends and interest received
|
67,061
|
83,771
|
87,736
|
92,337
|
20,539
|
|
Net cash flows from investment activities
|
-569,684
|
-574,194
|
-513,331
|
-738,634
|
-1,286,785
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
0
|
|
|
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
0
|
|
|
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
0
|
|
|
|
|
- Dividends paid
|
-1,881,229
|
-21,267
|
-3,844,600
|
|
|
|
- Purchase treasury shares
|
0
|
0
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
0
|
|
|
1,537
|
|
Net cash flows from financing activities
|
-1,881,229
|
-21,267
|
-3,844,600
|
|
1,537
|
|
IV. Net cash flows of the year
|
5,447,121
|
4,673,989
|
81,037,251
|
28,064,466
|
100,861,200
|
|
V. Cash and cash equivalents at the beginning of year
|
155,046,744
|
160,175,076
|
164,376,586
|
244,298,220
|
272,303,607
|
|
VI. Effect of foreign exchange differences
|
-318,690
|
-523,767
|
-182,414
|
-59,079
|
154,749
|
|
VII. Cash and cash equivalents at the end of year
|
160,175,175
|
164,325,298
|
245,231,423
|
272,303,607
|
373,319,556
|
