|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
17,351,007
|
16,186,994
|
19,604,904
|
17,723,658
|
23,392,330
|
|
- Interest expense and similar expenses paid
|
-6,851,670
|
-9,826,481
|
-9,823,496
|
-10,783,222
|
-10,556,011
|
|
- Cash received from services provided
|
1,184,539
|
1,126,623
|
797,908
|
871,305
|
1,674,460
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
642,956
|
418,284
|
1,120,318
|
389,330
|
670,605
|
|
- Other cash received
|
-370,683
|
-14,142
|
103,238
|
98,567
|
-55,627
|
|
- Cash received from absolved debts which were covered by risk provisions
|
119,251
|
181,392
|
195,744
|
167,441
|
142,883
|
|
- Cash paid to employees and administration actitivities
|
-2,504,587
|
-2,595,765
|
-7,004,151
|
-3,084,698
|
-2,631,623
|
|
- Income tax paid
|
-944,315
|
-580,593
|
-138,771
|
-2,518,219
|
-1,233,496
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
8,626,498
|
4,896,312
|
4,855,694
|
2,864,162
|
11,403,521
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
1,087,368
|
-5,872,266
|
-14,302,752
|
12,925,719
|
4,966,971
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-9,513,935
|
9,794,699
|
-13,384,634
|
-13,694,374
|
-19,661,729
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-40,229
|
-107,924
|
148,153
|
-111,102
|
-309,897
|
|
- Increase/(Decrease) in loans and advances to customers
|
-62,442,790
|
19,101,444
|
-80,849,250
|
-49,867,097
|
-55,309,366
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-3,690,973
|
-2,211,218
|
-695,234
|
-777,082
|
-1,189,045
|
|
- Increase/(Decrease) in other operating assets
|
-3,041,827
|
9,748,371
|
13,290,382
|
489,574
|
-6,264,045
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-17,904
|
5,178
|
11,416,756
|
-11,416,944
|
-1,940
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
25,590,900
|
31,721,723
|
39,085,104
|
-16,168,466
|
-5,949,306
|
|
- Increase/(Decrease) in deposits from customers
|
13,379,021
|
9,162,749
|
72,851,304
|
60,834,661
|
52,509,758
|
|
- Increase/(Decrease) in valuapapers issued
|
-4,664,432
|
-14,423,903
|
14,118,632
|
14,808,994
|
4,110,138
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
57,254
|
-52,625
|
-12,625
|
-77,348
|
2,584
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-279,539
|
0
|
427
|
-427
|
0
|
|
- Increase/(Decrease) in other operating liabilities
|
33,472,443
|
-35,681,403
|
2,174,860
|
-69,304
|
-4,370,535
|
|
- Cash paid from funds of credit institution
|
-4,380
|
-51,940
|
-870
|
-9,817
|
-159
|
|
Net cash flows from operating activities
|
-1,482,525
|
26,029,197
|
48,695,947
|
-268,851
|
-20,063,050
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
0
|
|
- Purchase of fixed assets
|
-70,019
|
-63,234
|
-175,683
|
-68,654
|
-46,174
|
|
- Proceeds from disposal of fix assets
|
15
|
2,172
|
29
|
65
|
511
|
|
- Payment on disposal of fixed assets
|
|
|
|
|
0
|
|
- Purchase of investment properties
|
|
|
|
|
0
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
0
|
|
- Payment on disposal of investment properties
|
|
|
|
|
0
|
|
- Investment in other entities
|
|
|
|
|
-7,445,747
|
|
- Proceeds from disinvestment in other entities
|
9,000
|
|
|
|
0
|
|
- Dividends and interest received
|
4,896
|
|
3,625
|
4,329
|
1,352
|
|
Net cash flows from investment activities
|
-56,108
|
-61,062
|
-172,029
|
-64,260
|
-7,490,058
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
|
4,179,573
|
|
0
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
|
8,531,600
|
2,900,000
|
4,695,450
|
606,200
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
-3,908,058
|
-4,344,965
|
-3,263,365
|
-1,447,171
|
|
- Dividends paid
|
|
|
|
|
0
|
|
- Purchase treasury shares
|
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
|
|
465,528
|
|
0
|
|
Net cash flows from financing activities
|
|
4,623,542
|
3,200,136
|
1,432,085
|
-840,971
|
|
IV. Net cash flows of the year
|
-1,538,633
|
30,591,677
|
51,724,054
|
1,098,974
|
-28,394,079
|
|
V. Cash and cash equivalents at the beginning of year
|
139,628,360
|
138,031,874
|
168,657,364
|
220,374,582
|
221,481,719
|
|
VI. Effect of foreign exchange differences
|
-57,853
|
33,813
|
-6,836
|
8,163
|
-19,836
|
|
VII. Cash and cash equivalents at the end of year
|
138,031,874
|
168,657,364
|
220,374,582
|
221,481,719
|
193,067,804
|
