|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
16,687,157
|
18,355,810
|
18,186,686
|
20,202,906
|
22,171,247
|
|
- Interest expense and similar expenses paid
|
-6,912,776
|
-6,133,012
|
-6,535,062
|
-8,990,917
|
-9,673,463
|
|
- Cash received from services provided
|
888,023
|
1,180,758
|
1,235,416
|
1,915,543
|
1,326,555
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
664,929
|
2,959,020
|
1,274,291
|
1,472,901
|
696,540
|
|
- Other cash received
|
156,241
|
508,424
|
175,647
|
345,874
|
76,201
|
|
- Cash received from absolved debts which were covered by risk provisions
|
518,650
|
692,908
|
1,003,397
|
1,014,888
|
893,885
|
|
- Cash paid to employees and administration actitivities
|
-3,866,686
|
-4,909,386
|
-4,694,751
|
-3,724,536
|
-4,652,631
|
|
- Income tax paid
|
-1,524,703
|
-18,509
|
-3,213,906
|
-912,311
|
-937,586
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
6,610,835
|
12,636,013
|
7,431,718
|
11,324,348
|
9,900,748
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-6,396
|
1,401,774
|
1,821,992
|
-1,645,199
|
-1,958,140
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-32,249,988
|
-5,727,089
|
-35,198,440
|
-14,299,479
|
27,644,153
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-111,681
|
111,681
|
|
|
|
|
- Increase/(Decrease) in loans and advances to customers
|
-27,973,034
|
-74,476,235
|
-20,361,143
|
-84,488,487
|
-51,498,439
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-2,080,869
|
-2,337,258
|
-3,591,250
|
-3,282,126
|
-2,580,531
|
|
- Increase/(Decrease) in other operating assets
|
580,625
|
-2,139,712
|
3,504,537
|
-1,980,444
|
-2,356,306
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-2,357,255
|
3,109,297
|
-2,661,864
|
15,399,643
|
2,261,264
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
14,385,927
|
-8,390,013
|
-1,153,902
|
21,915,260
|
23,394,427
|
|
- Increase/(Decrease) in deposits from customers
|
8,949,715
|
86,587,126
|
8,467,971
|
60,669,458
|
4,738,420
|
|
- Increase/(Decrease) in valuapapers issued
|
19,756,034
|
5,253,611
|
15,434,518
|
20,170,063
|
-2,801,325
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
52,404
|
-558,529
|
209,619
|
279,164
|
766,481
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-1,076,174
|
191,545
|
334,598
|
316,727
|
385,375
|
|
- Increase/(Decrease) in other operating liabilities
|
-4,902,492
|
547,685
|
-166,948
|
3,243,460
|
2,810,161
|
|
- Cash paid from funds of credit institution
|
-67,757
|
-155,306
|
-146,417
|
-30,839
|
-301,241
|
|
Net cash flows from operating activities
|
-20,490,106
|
16,054,590
|
-26,075,011
|
27,591,549
|
10,405,047
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
|
|
- Purchase of fixed assets
|
-532,734
|
-910,154
|
-105,862
|
-367,960
|
-452,322
|
|
- Proceeds from disposal of fix assets
|
3,036
|
1,713
|
166
|
3,035
|
227,573
|
|
- Payment on disposal of fixed assets
|
|
0
|
0
|
|
|
|
- Purchase of investment properties
|
|
0
|
|
|
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
|
|
- Payment on disposal of investment properties
|
|
|
|
|
|
|
- Investment in other entities
|
|
|
-71,299
|
113,730
|
-506,943
|
|
- Proceeds from disinvestment in other entities
|
4,337
|
-33,442
|
|
|
-57,485
|
|
- Dividends and interest received
|
-3,507
|
32,861
|
40
|
27,174
|
12,470
|
|
Net cash flows from investment activities
|
-528,868
|
-909,022
|
-176,955
|
-224,021
|
-776,707
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
192,400
|
|
|
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
395,103
|
4,159,451
|
2,198,563
|
3,500,000
|
4,145,000
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
|
|
- Dividends paid
|
0
|
0
|
|
|
-2,072,592
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
395,103
|
4,351,851
|
2,198,563
|
3,500,000
|
2,072,408
|
|
IV. Net cash flows of the year
|
-20,623,871
|
19,497,419
|
-24,053,403
|
30,867,528
|
11,700,748
|
|
V. Cash and cash equivalents at the beginning of year
|
98,166,725
|
77,542,854
|
97,040,275
|
72,986,872
|
103,854,400
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
77,542,854
|
97,040,273
|
72,986,872
|
103,854,400
|
115,555,146
|
