|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
26,284,400
|
32,577,872
|
50,951,284
|
58,854,745
|
67,209,207
|
|
- Interest expense and similar expenses paid
|
-12,302,702
|
-14,319,631
|
-25,602,661
|
-29,501,519
|
-32,013,429
|
|
- Cash received from services provided
|
1,544,570
|
2,792,794
|
2,596,238
|
1,689,129
|
3,865,735
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
752,229
|
225,515
|
1,654,834
|
1,428,830
|
2,804,876
|
|
- Other cash received
|
31,014
|
111,209
|
88,876
|
285,759
|
138,063
|
|
- Cash received from absolved debts which were covered by risk provisions
|
244,474
|
437,234
|
290,855
|
333,105
|
574,902
|
|
- Cash paid to employees and administration actitivities
|
-6,228,455
|
-8,668,312
|
-8,980,790
|
-11,109,821
|
-15,395,384
|
|
- Income tax paid
|
-1,489,686
|
-1,154,553
|
-2,241,447
|
-4,466,687
|
-2,591,536
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
8,835,844
|
12,002,128
|
18,757,189
|
17,513,541
|
24,592,434
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-5,346
|
-8,704,484
|
415,052
|
1,020,425
|
-20,547,031
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-6,293,402
|
26,010,304
|
-12,165,396
|
5,473,554
|
-19,915,951
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
0
|
|
-110,079
|
110,079
|
0
|
|
- Increase/(Decrease) in loans and advances to customers
|
-24,887,808
|
-60,645,482
|
-79,547,912
|
-99,080,546
|
-127,811,807
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-1,789,229
|
-2,418,834
|
-3,314,867
|
-3,497,287
|
-8,154,036
|
|
- Increase/(Decrease) in other operating assets
|
-9,260,130
|
-13,057,914
|
-15,246,357
|
160,632
|
21,185,944
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-50,114
|
10,728,602
|
-10,794,668
|
-11,156
|
11,416,452
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
32,067,009
|
-14,589,382
|
19,433,778
|
-12,626,399
|
70,615,586
|
|
- Increase/(Decrease) in deposits from customers
|
8,662,848
|
32,514,057
|
154,980,714
|
66,727,277
|
123,209,117
|
|
- Increase/(Decrease) in valuapapers issued
|
8,423,855
|
1,405,527
|
6,776,508
|
30,411,597
|
2,031,161
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-100,299
|
-76,709
|
-49,026
|
-22,686
|
-66,491
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-199,632
|
210,930
|
-226,480
|
18,449
|
-18,022
|
|
- Increase/(Decrease) in other operating liabilities
|
256,257
|
912,440
|
1,778,906
|
2,563,073
|
-1,055,504
|
|
- Cash paid from funds of credit institution
|
-7,434
|
-10,261
|
-30,315
|
-18,159
|
-70,462
|
|
Net cash flows from operating activities
|
15,652,419
|
-15,719,078
|
80,657,047
|
8,742,394
|
75,411,390
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
|
|
- Purchase of fixed assets
|
-353,900
|
-122,001
|
-273,923
|
-541,148
|
-350,338
|
|
- Proceeds from disposal of fix assets
|
268
|
21,447
|
753
|
1,764
|
207,925
|
|
- Payment on disposal of fixed assets
|
0
|
|
|
|
|
|
- Purchase of investment properties
|
0
|
|
|
|
|
|
- Proceeds from disposal of investment properties
|
24,026
|
|
|
|
|
|
- Payment on disposal of investment properties
|
0
|
|
|
|
|
|
- Investment in other entities
|
0
|
|
|
0
|
|
|
- Proceeds from disinvestment in other entities
|
51,775
|
500
|
|
-658,075
|
11,880
|
|
- Dividends and interest received
|
0
|
22,069
|
9,325
|
17,375
|
8,521
|
|
Net cash flows from investment activities
|
-277,831
|
-77,985
|
-263,845
|
-1,180,084
|
-122,012
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
200,000
|
|
200,000
|
4,179,573
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
11,431,600
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
-8,253,023
|
|
- Dividends paid
|
0
|
|
-2,515,261
|
-2,912,551
|
|
|
- Purchase treasury shares
|
0
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
|
|
|
465,528
|
|
Net cash flows from financing activities
|
0
|
200,000
|
-2,515,261
|
-2,712,551
|
7,823,678
|
|
IV. Net cash flows of the year
|
15,374,588
|
-15,597,063
|
77,877,941
|
4,849,759
|
83,113,056
|
|
V. Cash and cash equivalents at the beginning of year
|
54,756,301
|
70,130,889
|
54,533,826
|
132,411,767
|
137,261,526
|
|
VI. Effect of foreign exchange differences
|
0
|
|
0
|
0
|
0
|
|
VII. Cash and cash equivalents at the end of year
|
70,130,889
|
54,533,826
|
132,411,767
|
137,261,526
|
220,374,582
|
