|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
16,095,299
|
21,689,645
|
26,526,405
|
31,525,094
|
34,247,516
|
|
- Interest expense and similar expenses paid
|
-10,629,326
|
-11,496,157
|
-12,867,474
|
-17,583,219
|
-20,597,840
|
|
- Cash received from services provided
|
593,705
|
858,878
|
1,721,159
|
3,564,158
|
3,206,319
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
125,295
|
113,667
|
548,587
|
175,210
|
476,972
|
|
- Other cash received
|
69,937
|
7,968
|
159,149
|
-2,771
|
-157,154
|
|
- Cash received from absolved debts which were covered by risk provisions
|
134,405
|
161,069
|
132,589
|
359,547
|
945,522
|
|
- Cash paid to employees and administration actitivities
|
-4,597,831
|
-4,268,943
|
-4,585,622
|
-5,028,906
|
-6,026,369
|
|
- Income tax paid
|
-462,127
|
-795,670
|
-559,628
|
-1,299,047
|
-2,740,215
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
1,329,357
|
6,270,457
|
11,075,165
|
11,710,066
|
9,354,751
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
1,984,873
|
-734,483
|
492,535
|
132,021
|
-6,958,758
|
|
- Increase/(Decrease) in trading securities and securities investment
|
1,488,334
|
-5,285,998
|
-3,634,243
|
-4,851,238
|
-11,315,851
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-130,201
|
133,270
|
84,831
|
|
-9,137
|
|
- Increase/(Decrease) in loans and advances to customers
|
-36,098,910
|
-32,332,600
|
-26,813,188
|
-39,685,522
|
-56,153,470
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-381,504
|
-417,378
|
-1,411,846
|
-4,240,775
|
-1,083,793
|
|
- Increase/(Decrease) in other operating assets
|
1,112,774
|
-668,949
|
-1,423,775
|
-1,221,125
|
505,069
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-62,819
|
1,478,685
|
1,373,907
|
-2,987,204
|
1,181,801
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
-2,788,075
|
31,536,264
|
-6,621,358
|
10,452,408
|
65,236,581
|
|
- Increase/(Decrease) in deposits from customers
|
37,978,666
|
5,747,225
|
35,614,813
|
21,503,583
|
45,780,237
|
|
- Increase/(Decrease) in valuapapers issued
|
3,795,330
|
4,486,424
|
-1,689,461
|
12,861,714
|
7,549,034
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-1,158,625
|
0
|
42,030
|
|
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
0
|
|
33,756
|
-75,786
|
|
- Increase/(Decrease) in other operating liabilities
|
130,263
|
236,931
|
1,013,065
|
-386,732
|
-40,087
|
|
- Cash paid from funds of credit institution
|
-194,693
|
-176,058
|
-82,510
|
-557,085
|
-316,416
|
|
Net cash flows from operating activities
|
7,004,770
|
10,273,790
|
8,019,965
|
2,763,867
|
53,654,175
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
0
|
|
|
|
|
- Purchase of fixed assets
|
-310,964
|
-169,212
|
-305,443
|
-428,246
|
-1,107,524
|
|
- Proceeds from disposal of fix assets
|
9,606
|
12,768
|
8,816
|
16,163
|
118,655
|
|
- Payment on disposal of fixed assets
|
-9,167
|
-12,097
|
-8,279
|
-23,635
|
-1,236
|
|
- 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
|
|
-32,787
|
-200,090
|
|
- Proceeds from disinvestment in other entities
|
8,800
|
0
|
|
|
|
|
- Dividends and interest received
|
275
|
0
|
53,877
|
49,345
|
75,017
|
|
Net cash flows from investment activities
|
-301,450
|
-168,541
|
-251,029
|
-419,160
|
-1,115,178
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
0
|
2,999,955
|
5,000,000
|
|
|
- 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
|
0
|
0
|
|
|
|
|
- Purchase treasury shares
|
0
|
0
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
0
|
|
|
|
|
Net cash flows from financing activities
|
0
|
0
|
2,999,955
|
5,000,000
|
|
|
IV. Net cash flows of the year
|
6,703,320
|
10,105,249
|
10,768,891
|
7,344,707
|
52,538,997
|
|
V. Cash and cash equivalents at the beginning of year
|
17,098,115
|
23,801,435
|
33,906,684
|
44,675,575
|
52,020,282
|
|
VI. Effect of foreign exchange differences
|
0
|
0
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
23,801,435
|
33,906,684
|
44,675,575
|
52,020,282
|
104,559,279
|
