|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
18,412,389
|
17,474,032
|
16,012,263
|
16,687,157
|
18,355,810
|
|
- Interest expense and similar expenses paid
|
-7,590,996
|
-8,831,447
|
-8,958,714
|
-6,912,776
|
-6,133,012
|
|
- Cash received from services provided
|
1,455,718
|
945,201
|
1,354,267
|
888,023
|
1,180,758
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
478,709
|
1,449,803
|
1,204,090
|
664,929
|
2,959,020
|
|
- Other cash received
|
174,320
|
100,700
|
56,968
|
156,241
|
508,424
|
|
- Cash received from absolved debts which were covered by risk provisions
|
586,710
|
263,719
|
976,283
|
518,650
|
692,908
|
|
- Cash paid to employees and administration actitivities
|
-3,590,016
|
-3,567,366
|
-3,283,988
|
-3,866,686
|
-4,909,386
|
|
- Income tax paid
|
-194,206
|
-3,349,836
|
-1,128,927
|
-1,524,703
|
-18,509
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
9,732,628
|
4,484,806
|
6,232,242
|
6,610,835
|
12,636,013
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-1,274,019
|
-2,505,637
|
-4,564,205
|
-6,396
|
1,401,774
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-1,398,772
|
22,120,848
|
-9,546,002
|
-32,249,988
|
-5,727,089
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-141,294
|
141,294
|
0
|
-111,681
|
111,681
|
|
- Increase/(Decrease) in loans and advances to customers
|
-74,647,718
|
-4,044,748
|
-58,307,498
|
-27,973,034
|
-74,476,235
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-2,429,616
|
-1,969,954
|
-3,043,070
|
-2,080,869
|
-2,337,258
|
|
- Increase/(Decrease) in other operating assets
|
1,072,168
|
1,782,368
|
389,784
|
580,625
|
-2,139,712
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-65,034
|
3,891,932
|
3,503,573
|
-2,357,255
|
3,109,297
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
23,840,875
|
-16,904,958
|
21,268,163
|
14,385,927
|
-8,390,013
|
|
- Increase/(Decrease) in deposits from customers
|
87,800,009
|
-8,706,515
|
59,791,576
|
8,949,715
|
86,587,126
|
|
- Increase/(Decrease) in valuapapers issued
|
7,281,754
|
-25,030,233
|
-6,884,043
|
19,756,034
|
5,253,611
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
33,502
|
656,208
|
-156,493
|
52,404
|
-558,529
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-22,977
|
381,529
|
694,645
|
-1,076,174
|
191,545
|
|
- Increase/(Decrease) in other operating liabilities
|
640,732
|
-139,406
|
3,088,481
|
-4,902,492
|
547,685
|
|
- Cash paid from funds of credit institution
|
-67,690
|
-44,334
|
-80,892
|
-67,757
|
-155,306
|
|
Net cash flows from operating activities
|
50,354,548
|
-25,886,800
|
12,386,261
|
-20,490,106
|
16,054,590
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
|
|
- Purchase of fixed assets
|
-494,669
|
-567,487
|
-291,321
|
-532,734
|
-910,154
|
|
- Proceeds from disposal of fix assets
|
449
|
29
|
2,149
|
3,036
|
1,713
|
|
- Payment on disposal of fixed assets
|
24,496
|
0
|
|
|
0
|
|
- Purchase of investment properties
|
|
|
|
|
0
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
|
|
- Payment on disposal of investment properties
|
|
|
|
|
|
|
- Investment in other entities
|
0
|
|
|
|
|
|
- Proceeds from disinvestment in other entities
|
0
|
24,082
|
8,940
|
4,337
|
-33,442
|
|
- Dividends and interest received
|
7,890
|
1,528
|
21,761
|
-3,507
|
32,861
|
|
Net cash flows from investment activities
|
-461,834
|
-541,848
|
-258,471
|
-528,868
|
-909,022
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
|
1,165,007
|
0
|
192,400
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
3,149,000
|
1,050,000
|
3,801,000
|
395,103
|
4,159,451
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
|
|
- Dividends paid
|
0
|
|
-2,643,542
|
0
|
0
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
3,149,000
|
1,050,000
|
2,322,465
|
395,103
|
4,351,851
|
|
IV. Net cash flows of the year
|
53,041,714
|
-25,378,648
|
14,450,255
|
-20,623,871
|
19,497,419
|
|
V. Cash and cash equivalents at the beginning of year
|
56,053,404
|
109,095,118
|
83,716,470
|
98,166,725
|
77,542,854
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
109,095,118
|
83,716,470
|
98,166,725
|
77,542,854
|
97,040,273
|
