|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
14,838,328
|
14,318,776
|
14,601,537
|
16,230,452
|
18,827,165
|
|
- Interest expense and similar expenses paid
|
-6,878,687
|
-8,041,523
|
-8,882,239
|
-9,548,892
|
-9,974,496
|
|
- Cash received from services provided
|
673,709
|
758,839
|
750,101
|
3,202,487
|
4,255,274
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
302,466
|
363,326
|
354,399
|
642,629
|
759,690
|
|
- Other cash received
|
-36,029
|
-28,213
|
13,468
|
23,620
|
768
|
|
- Cash received from absolved debts which were covered by risk provisions
|
56,915
|
1,274,485
|
308,706
|
134,760
|
74,821
|
|
- Cash paid to employees and administration actitivities
|
-2,903,308
|
-2,925,015
|
-3,367,283
|
-2,258,747
|
-2,245,812
|
|
- Income tax paid
|
-761,576
|
-50,930
|
-114,548
|
-694,287
|
-513,796
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
5,291,818
|
5,669,745
|
3,664,141
|
7,732,022
|
11,183,614
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-6,060,565
|
4,891,805
|
1,207,888
|
-2,397,986
|
-2,615,435
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-6,487,746
|
1,729,393
|
-4,041,469
|
-5,974,240
|
-16,260,809
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-83,591
|
-179,766
|
233,882
|
-305,975
|
-554,127
|
|
- Increase/(Decrease) in loans and advances to customers
|
-18,060,033
|
-20,344,131
|
-567,475
|
-9,069,082
|
-64,317,619
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-770
|
-4,773,343
|
|
-366,972
|
-15,610,313
|
|
- Increase/(Decrease) in other operating assets
|
896,745
|
-1,964,773
|
519,682
|
-3,658,519
|
4,053,704
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-4,921,718
|
21,921,700
|
-9,917,308
|
17,995,444
|
-7,702,824
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
21,789,389
|
73,566,353
|
-31,548,567
|
-34,427,191
|
-8,797,323
|
|
- Increase/(Decrease) in deposits from customers
|
16,787,280
|
-22,760,384
|
-17,552,708
|
47,150,259
|
127,482,330
|
|
- Increase/(Decrease) in valuapapers issued
|
1,720,951
|
838,513
|
-997,778
|
2,557,571
|
31,951,097
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
1,102
|
56,125
|
-3,713
|
23,351
|
32,110
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
0
|
0
|
|
|
0
|
|
- Increase/(Decrease) in other operating liabilities
|
1,014,744
|
-1,007,762
|
466,569
|
-2,193,793
|
27,695
|
|
- Cash paid from funds of credit institution
|
-9,678
|
-36,707
|
-8,496
|
-181
|
-7,872
|
|
Net cash flows from operating activities
|
11,877,926
|
57,606,768
|
-58,545,352
|
17,064,708
|
58,864,228
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
0
|
|
|
0
|
|
- Purchase of fixed assets
|
-176,289
|
-362,440
|
-136,447
|
-93,950
|
-78,301
|
|
- Proceeds from disposal of fix assets
|
57,872
|
1,030
|
|
74,473
|
19,032
|
|
- Payment on disposal of fixed assets
|
0
|
0
|
|
|
0
|
|
- Purchase of investment properties
|
0
|
0
|
|
|
0
|
|
- Proceeds from disposal of investment properties
|
0
|
0
|
|
|
0
|
|
- Payment on disposal of investment properties
|
0
|
0
|
|
|
0
|
|
- Investment in other entities
|
0
|
0
|
|
|
0
|
|
- Proceeds from disinvestment in other entities
|
0
|
0
|
|
|
0
|
|
- Dividends and interest received
|
3,824
|
6,975
|
8,325
|
|
9,337
|
|
Net cash flows from investment activities
|
-114,593
|
-354,435
|
-128,122
|
-19,477
|
-49,932
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
0
|
|
|
0
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
69,317
|
49,460
|
|
|
12,850,000
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
430,080
|
-482,272
|
-24,412
|
-1,444,350
|
1,468,762
|
|
- Dividends paid
|
0
|
0
|
|
|
0
|
|
- Purchase treasury shares
|
0
|
0
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
0
|
0
|
|
|
0
|
|
Net cash flows from financing activities
|
499,397
|
-432,812
|
-24,412
|
-1,444,350
|
14,318,762
|
|
IV. Net cash flows of the year
|
12,262,730
|
56,819,521
|
-58,697,886
|
15,600,881
|
73,133,058
|
|
V. Cash and cash equivalents at the beginning of year
|
125,490,458
|
137,734,541
|
194,472,583
|
135,785,049
|
151,369,877
|
|
VI. Effect of foreign exchange differences
|
-18,647
|
-81,479
|
10,352
|
-16,053
|
-18,331
|
|
VII. Cash and cash equivalents at the end of year
|
137,734,541
|
194,472,583
|
135,785,049
|
151,369,877
|
224,484,604
|
