|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
37,812,214
|
43,124,578
|
55,959,367
|
50,959,785
|
57,659,133
|
|
- Interest expense and similar expenses paid
|
-18,762,477
|
-18,643,180
|
-29,631,343
|
-28,308,950
|
-28,105,502
|
|
- Cash received from services provided
|
4,399,573
|
5,148,107
|
2,769,866
|
2,980,388
|
3,080,493
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
963,499
|
944,709
|
1,029,604
|
1,309,309
|
1,055,312
|
|
- Other cash received
|
-92,253
|
292,198
|
243,927
|
-215,173
|
-262,402
|
|
- Cash received from absolved debts which were covered by risk provisions
|
246,373
|
364,589
|
79,680
|
111,598
|
1,406,390
|
|
- Cash paid to employees and administration actitivities
|
-9,018,828
|
-10,531,018
|
-11,560,011
|
-12,242,695
|
-13,382,072
|
|
- Income tax paid
|
-1,374,290
|
-1,426,196
|
-840,775
|
-2,541,467
|
-2,773,230
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
14,173,811
|
19,273,787
|
18,050,315
|
12,052,795
|
18,678,122
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
78,407
|
349,881
|
106,735
|
-7,388,360
|
6,108,687
|
|
- Increase/(Decrease) in trading securities and securities investment
|
3,304,345
|
-8,427,255
|
-6,433,560
|
-10,356,865
|
-1,899,009
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
19,677
|
-109,858
|
0
|
-37,453
|
-289,006
|
|
- Increase/(Decrease) in loans and advances to customers
|
-47,697,765
|
-50,495,474
|
-43,985,521
|
-56,589,854
|
-87,041,641
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-278,924
|
-1,829,427
|
-1,835,071
|
-2,061,284
|
-5,402,444
|
|
- Increase/(Decrease) in other operating assets
|
-2,838,629
|
-6,700,721
|
-10,756,327
|
2,776,849
|
-3,658,993
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
379,217
|
9,378,464
|
-9,881,881
|
34,927
|
22,192,661
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
6,947,072
|
12,467,475
|
10,863,622
|
34,335,896
|
85,477,618
|
|
- Increase/(Decrease) in deposits from customers
|
-585,077
|
27,353,724
|
56,003,898
|
56,137,421
|
51,459,858
|
|
- Increase/(Decrease) in valuapapers issued
|
9,959,639
|
4,728,128
|
3,209,262
|
9,220,304
|
6,250,130
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
49,495
|
-39,103
|
83,310
|
125,863
|
119,649
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
108,003
|
-108,003
|
201,317
|
0
|
0
|
|
- Increase/(Decrease) in other operating liabilities
|
6,861,903
|
9,686,972
|
11,130,431
|
979,081
|
887,145
|
|
- Cash paid from funds of credit institution
|
-28,243
|
-13,414
|
-10,068
|
-864,072
|
-404,776
|
|
Net cash flows from operating activities
|
-9,547,069
|
15,515,176
|
26,746,462
|
38,365,248
|
92,478,001
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
0
|
|
- Purchase of fixed assets
|
-603,861
|
-1,142,530
|
-1,282,699
|
-1,015,860
|
-926,085
|
|
- Proceeds from disposal of fix assets
|
345,744
|
2,846,021
|
9,921
|
2,947
|
141,534
|
|
- Payment on disposal of fixed assets
|
0
|
|
|
|
0
|
|
- Purchase of investment properties
|
0
|
|
|
|
0
|
|
- Proceeds from disposal of investment properties
|
0
|
|
|
|
0
|
|
- Payment on disposal of investment properties
|
0
|
|
|
|
0
|
|
- Investment in other entities
|
0
|
|
|
|
0
|
|
- Proceeds from disinvestment in other entities
|
176,019
|
|
|
372
|
0
|
|
- Dividends and interest received
|
2,130
|
12,466
|
22,837
|
4,641
|
20,214
|
|
Net cash flows from investment activities
|
-79,968
|
1,715,957
|
-1,249,941
|
-1,007,900
|
-764,337
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
|
|
|
0
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
1,809,625
|
508,956
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
-11,600
|
-37,078
|
-3,268,898
|
-4,327,904
|
|
- Dividends paid
|
-89
|
-173
|
-26
|
-1
|
0
|
|
- Purchase treasury shares
|
0
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
2,434,949
|
|
|
|
0
|
|
Net cash flows from financing activities
|
2,434,860
|
-11,773
|
-37,104
|
-1,459,274
|
-3,818,948
|
|
IV. Net cash flows of the year
|
-7,192,177
|
17,219,360
|
25,459,417
|
35,898,074
|
87,894,716
|
|
V. Cash and cash equivalents at the beginning of year
|
35,374,920
|
28,070,625
|
45,104,295
|
70,507,716
|
106,493,055
|
|
VI. Effect of foreign exchange differences
|
-112,118
|
-185,690
|
-55,996
|
87,265
|
84,812
|
|
VII. Cash and cash equivalents at the end of year
|
28,070,625
|
45,104,295
|
70,507,716
|
106,493,055
|
194,472,583
|
