|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
12,723,110
|
14,235,298
|
18,993,726
|
21,453,849
|
23,991,091
|
|
- Interest expense and similar expenses paid
|
-6,735,566
|
-7,392,022
|
-12,604,135
|
-11,571,384
|
-13,776,340
|
|
- Cash received from services provided
|
1,145,264
|
1,366,943
|
1,156,286
|
1,109,034
|
671,465
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
515,983
|
1,038,282
|
919,730
|
973,318
|
687,280
|
|
- Other cash received
|
107,111
|
99,133
|
107,608
|
516,762
|
11,701
|
|
- Cash received from absolved debts which were covered by risk provisions
|
102,746
|
93,796
|
83,083
|
92,417
|
136,089
|
|
- Cash paid to employees and administration actitivities
|
-2,474,267
|
-3,310,317
|
-3,479,815
|
-3,990,812
|
-4,018,666
|
|
- Income tax paid
|
-568,039
|
-877,938
|
-794,401
|
-966,506
|
-1,331,130
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
4,816,342
|
5,253,175
|
4,382,082
|
7,616,678
|
6,371,490
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-7,256,985
|
3,751,040
|
715,395
|
566,290
|
2,144,260
|
|
- Increase/(Decrease) in trading securities and securities investment
|
4,969,304
|
17,303,270
|
-10,085,392
|
-4,112,640
|
-10,243,695
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
192,408
|
-32,841
|
92,168
|
196,443
|
0
|
|
- Increase/(Decrease) in loans and advances to customers
|
-18,718,923
|
-26,367,833
|
-25,795,901
|
-29,602,750
|
-32,007,568
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-564,542
|
-523,347
|
-655,275
|
-1,935,968
|
-2,095,803
|
|
- Increase/(Decrease) in other operating assets
|
-1,306,331
|
-2,778,761
|
-1,957,162
|
5,093,622
|
112,992
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
1,967,061
|
1,665,933
|
-1,300,059
|
-474,154
|
18,754,897
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
15,849,325
|
1,353,629
|
6,978,411
|
18,605,613
|
24,503,025
|
|
- Increase/(Decrease) in deposits from customers
|
-3,491,960
|
5,762,634
|
29,292,735
|
23,480,158
|
23,487,198
|
|
- Increase/(Decrease) in valuapapers issued
|
11,988,460
|
2,451,400
|
-4,658,500
|
13,604,100
|
-466,150
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
0
|
|
|
|
0
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
|
|
|
-43,176
|
|
- Increase/(Decrease) in other operating liabilities
|
125,846
|
26,756
|
-90,035
|
-86,921
|
-94,230
|
|
- Cash paid from funds of credit institution
|
0
|
|
|
|
0
|
|
Net cash flows from operating activities
|
8,570,005
|
7,865,055
|
-3,081,533
|
32,950,471
|
30,423,240
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
0
|
0
|
|
- Purchase of fixed assets
|
-114,013
|
-296,242
|
-310,061
|
-236,866
|
-315,008
|
|
- Proceeds from disposal of fix assets
|
0
|
|
29
|
423
|
11,298
|
|
- Payment on disposal of fixed assets
|
|
|
|
|
0
|
|
- Purchase of investment properties
|
-7,139
|
-27
|
0
|
|
0
|
|
- Proceeds from disposal of investment properties
|
182,023
|
6,744
|
5,276
|
8,403
|
63,710
|
|
- Payment on disposal of investment properties
|
|
|
|
|
0
|
|
- Investment in other entities
|
|
|
|
|
0
|
|
- Proceeds from disinvestment in other entities
|
40,905
|
24,102
|
|
|
4,300,000
|
|
- Dividends and interest received
|
3,710
|
7,937
|
14,384
|
1,445
|
13,710
|
|
Net cash flows from investment activities
|
105,486
|
-257,486
|
-290,372
|
-226,595
|
4,073,710
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
2,405,623
|
3,610,674
|
504,000
|
|
100,000
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
0
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
0
|
|
- Dividends paid
|
|
|
|
|
0
|
|
- Purchase treasury shares
|
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
0
|
|
Net cash flows from financing activities
|
2,405,623
|
3,610,674
|
504,000
|
|
100,000
|
|
IV. Net cash flows of the year
|
11,081,114
|
11,218,243
|
-2,867,905
|
32,723,876
|
34,596,950
|
|
V. Cash and cash equivalents at the beginning of year
|
30,027,766
|
41,108,880
|
52,327,123
|
49,459,218
|
80,183,094
|
|
VI. Effect of foreign exchange differences
|
0
|
|
|
|
0
|
|
VII. Cash and cash equivalents at the end of year
|
41,108,880
|
52,327,123
|
49,459,218
|
82,183,094
|
116,780,044
|
