|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
32,836,478
|
37,648,210
|
50,802,236
|
58,701,187
|
68,529,262
|
|
- Interest expense and similar expenses paid
|
-12,272,703
|
-12,053,063
|
-14,426,925
|
-33,277,635
|
-30,835,949
|
|
- Cash received from services provided
|
3,575,553
|
4,367,378
|
4,135,568
|
561,391
|
4,368,249
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
1,607,374
|
3,097,962
|
3,231,427
|
387,614
|
6,277,842
|
|
- Other cash received
|
75,057
|
557,087
|
491,344
|
258,644
|
822,333
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,599,755
|
2,689,366
|
1,648,266
|
182,411
|
2,451,560
|
|
- Cash paid to employees and administration actitivities
|
-10,057,337
|
-12,114,505
|
-14,428,046
|
-4,938,031
|
-15,627,426
|
|
- Income tax paid
|
-2,037,888
|
-2,962,863
|
-2,353,765
|
-2,424,665
|
-6,021,975
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
15,326,289
|
21,229,572
|
29,100,105
|
19,450,916
|
29,963,896
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
4,598,359
|
-5,951,475
|
3,807,045
|
1,810,539
|
-5,674,464
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-16,134,144
|
-33,560,038
|
-27,277,350
|
-7,004,389
|
-25,402,231
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-22,270
|
-237,188
|
204,791
|
269,772
|
141,294
|
|
- Increase/(Decrease) in loans and advances to customers
|
-47,966,360
|
-65,261,380
|
-98,036,017
|
-52,830,933
|
-164,801,515
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-5,413,888
|
-3,582,679
|
-4,506,424
|
-4,429,856
|
-9,431,151
|
|
- Increase/(Decrease) in other operating assets
|
-8,223,571
|
-7,273,743
|
1,408,610
|
15,815,856
|
613,065
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
0
|
0
|
-230,493
|
-8,381,535
|
8,147,547
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
562,420
|
8,683,912
|
5,556,395
|
-7,510,783
|
10,359,119
|
|
- Increase/(Decrease) in deposits from customers
|
38,249,389
|
73,978,699
|
58,913,483
|
85,827,834
|
146,621,902
|
|
- Increase/(Decrease) in valuapapers issued
|
24,634,934
|
15,963,361
|
27,571,201
|
6,381,519
|
-6,904,631
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-94,786
|
1,791,362
|
4,019
|
-4,370
|
-6,410
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
0
|
|
97,152
|
191,545
|
|
- Increase/(Decrease) in other operating liabilities
|
9,388,187
|
-892,760
|
5,596,550
|
-14,224,657
|
-1,405,732
|
|
- Cash paid from funds of credit institution
|
-228,688
|
-419,345
|
-235,586
|
0
|
-348,289
|
|
Net cash flows from operating activities
|
14,675,871
|
4,468,298
|
1,876,329
|
35,267,065
|
-17,936,055
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
0
|
|
|
|
|
- Purchase of fixed assets
|
-759,265
|
-1,259,868
|
-1,748,106
|
-240,841
|
-2,301,696
|
|
- Proceeds from disposal of fix assets
|
4,739
|
7,861
|
2,048
|
0
|
6,927
|
|
- Payment on disposal of fixed assets
|
0
|
0
|
|
-115
|
0
|
|
- Purchase of investment properties
|
0
|
0
|
|
|
0
|
|
- Proceeds from disposal of investment properties
|
0
|
0
|
|
|
|
|
- Payment on disposal of investment properties
|
0
|
0
|
|
|
|
|
- Investment in other entities
|
0
|
0
|
|
40,960
|
|
|
- Proceeds from disinvestment in other entities
|
7,221
|
13,291
|
170,949
|
872,854
|
3,917
|
|
- Dividends and interest received
|
92,511
|
114,835
|
131,941
|
0
|
52,643
|
|
Net cash flows from investment activities
|
-654,794
|
-1,123,881
|
-1,443,168
|
672,858
|
-2,238,209
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
1,719,922
|
0
|
|
5,520,149
|
1,357,407
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
0
|
2,120,000
|
0
|
9,405,554
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
0
|
|
|
|
|
- Dividends paid
|
0
|
0
|
|
-21
|
-2,643,542
|
|
- Purchase treasury shares
|
0
|
0
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
573,062
|
0
|
|
|
|
|
Net cash flows from financing activities
|
2,292,984
|
0
|
2,120,000
|
5,520,128
|
8,119,419
|
|
IV. Net cash flows of the year
|
16,314,061
|
3,344,417
|
2,553,161
|
41,460,051
|
-12,054,845
|
|
V. Cash and cash equivalents at the beginning of year
|
46,012,273
|
62,326,334
|
65,670,751
|
68,223,910
|
109,095,118
|
|
VI. Effect of foreign exchange differences
|
0
|
0
|
|
0
|
|
|
VII. Cash and cash equivalents at the end of year
|
62,326,334
|
65,670,751
|
68,223,912
|
110,960,143
|
97,040,273
|
