|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
20,202,906
|
22,171,247
|
24,515,909
|
26,904,675
|
33,349,292
|
|
- Interest expense and similar expenses paid
|
-8,990,917
|
-9,673,463
|
-9,408,496
|
-11,710,034
|
-14,282,103
|
|
- Cash received from services provided
|
1,915,543
|
1,326,555
|
2,088,916
|
1,708,744
|
1,968,486
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
1,472,901
|
696,540
|
201,571
|
166,721
|
471,367
|
|
- Other cash received
|
345,874
|
76,201
|
343,771
|
354,690
|
232,753
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,014,888
|
893,885
|
1,229,522
|
733,893
|
831,300
|
|
- Cash paid to employees and administration actitivities
|
-3,724,536
|
-4,652,631
|
-6,460,410
|
-6,552,454
|
-5,103,954
|
|
- Income tax paid
|
-912,311
|
-937,586
|
-1,454,104
|
-3,908,383
|
-1,897,221
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
11,324,348
|
9,900,748
|
11,056,679
|
7,697,852
|
15,569,920
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-1,645,199
|
-1,958,140
|
-2,426,067
|
912,902
|
-3,655,677
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-14,299,479
|
27,644,153
|
9,405,849
|
-37,984,519
|
12,277,858
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
|
|
0
|
|
|
|
- Increase/(Decrease) in loans and advances to customers
|
-84,488,487
|
-51,498,439
|
-152,437,407
|
-36,365,066
|
-106,952,430
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-3,282,126
|
-2,580,531
|
-2,866,613
|
-1,892,559
|
-2,292,201
|
|
- Increase/(Decrease) in other operating assets
|
-1,980,444
|
-2,356,306
|
-14,562,696
|
9,691,642
|
-7,312,851
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
15,399,643
|
2,261,264
|
24,319,472
|
-19,128,301
|
-5,772,397
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
21,915,260
|
23,394,427
|
93,692,119
|
8,873,986
|
28,717,244
|
|
- Increase/(Decrease) in deposits from customers
|
60,669,458
|
4,738,420
|
133,337,804
|
-15,449,800
|
57,897,025
|
|
- Increase/(Decrease) in valuapapers issued
|
20,170,063
|
-2,801,325
|
19,438,806
|
25,378,912
|
20,038,509
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
279,164
|
766,481
|
-135,884
|
-665,818
|
-959,486
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
316,727
|
385,375
|
-529,738
|
-37,183
|
-89,935
|
|
- Increase/(Decrease) in other operating liabilities
|
3,243,460
|
2,810,161
|
9,403,452
|
-5,957,780
|
4,391,922
|
|
- Cash paid from funds of credit institution
|
-30,839
|
-301,241
|
-141,816
|
-46,116
|
-87,464
|
|
Net cash flows from operating activities
|
27,591,549
|
10,405,047
|
127,553,960
|
-64,971,848
|
11,770,037
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
|
|
- Purchase of fixed assets
|
-367,960
|
-452,322
|
-854,117
|
-591,985
|
-170,606
|
|
- Proceeds from disposal of fix assets
|
3,035
|
227,573
|
515
|
1,895
|
5,778
|
|
- Payment on disposal of fixed assets
|
|
|
|
|
|
|
- Purchase of investment properties
|
|
|
7,280
|
|
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
|
|
- Payment on disposal of investment properties
|
|
|
|
|
|
|
- Investment in other entities
|
113,730
|
-506,943
|
521,997
|
|
-1,340
|
|
- Proceeds from disinvestment in other entities
|
|
-57,485
|
269,110
|
490
|
-490
|
|
- Dividends and interest received
|
27,174
|
12,470
|
19,652
|
30
|
24,346
|
|
Net cash flows from investment activities
|
-224,021
|
-776,707
|
-35,563
|
-589,570
|
-142,312
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
|
|
85,922
|
1,087,532
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
3,500,000
|
4,145,000
|
2,330,000
|
|
8,050,000
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
-6,143,554
|
-3,798,563
|
-3,401,000
|
|
- Dividends paid
|
|
-2,072,592
|
|
|
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
3,500,000
|
2,072,408
|
-3,813,554
|
-3,712,641
|
5,736,532
|
|
IV. Net cash flows of the year
|
30,867,528
|
11,700,748
|
123,704,843
|
-69,274,059
|
17,364,257
|
|
V. Cash and cash equivalents at the beginning of year
|
72,986,872
|
103,854,400
|
115,555,146
|
239,259,989
|
169,985,930
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
103,854,400
|
115,555,146
|
239,259,989
|
169,985,930
|
187,350,187
|
