|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
35,224,259
|
43,558,389
|
53,749,365
|
61,748,921
|
67,231,128
|
|
- Interest expense and similar expenses paid
|
-9,066,490
|
-12,185,090
|
-25,941,911
|
-26,088,084
|
-27,761,618
|
|
- Cash received from services provided
|
5,958,416
|
8,451,733
|
9,134,752
|
7,643,553
|
8,396,946
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
2,502,222
|
-420,995
|
1,168,505
|
3,150,018
|
4,478,027
|
|
- Other cash received
|
816,228
|
605,946
|
1,384,616
|
-2,359,679
|
96,244
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,121,235
|
1,311,053
|
831,790
|
1,138,200
|
1,354,286
|
|
- Cash paid to employees and administration actitivities
|
-8,686,862
|
-10,006,073
|
-10,339,365
|
-10,106,171
|
-13,326,686
|
|
- Income tax paid
|
-4,829,911
|
-2,301,394
|
-5,048,936
|
-4,089,321
|
-7,177,741
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
23,039,097
|
29,013,569
|
24,938,816
|
31,037,437
|
33,290,586
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-23,454,273
|
18,490,986
|
-12,287,858
|
12,721,924
|
1,091,363
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-10,804,075
|
13,920,515
|
-19,582,416
|
-31,627,229
|
-9,122,660
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-293,768
|
293,768
|
-143,611
|
143,611
|
|
|
- Increase/(Decrease) in loans and advances to customers
|
-69,816,629
|
-73,182,461
|
-98,117,863
|
-113,083,396
|
-135,892,165
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-626,647
|
-683,006
|
-2,667,877
|
-2,670,781
|
-2,072,791
|
|
- Increase/(Decrease) in other operating assets
|
-15,639,712
|
-36,029,613
|
-9,317,279
|
34,701,809
|
-29,615,168
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
0
|
|
|
|
4,306,722
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
64,973,879
|
55,104,278
|
-14,389,967
|
-20,933,914
|
12,743,888
|
|
- Increase/(Decrease) in deposits from customers
|
37,294,716
|
43,658,244
|
96,249,299
|
78,742,971
|
85,524,799
|
|
- Increase/(Decrease) in valuapapers issued
|
5,780,184
|
1,026,795
|
50,696,681
|
55,719,021
|
74,907,807
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
0
|
|
|
|
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-266,926
|
1,851,213
|
-1,851,213
|
931,231
|
1,485,716
|
|
- Increase/(Decrease) in other operating liabilities
|
2,722,021
|
2,009,069
|
-1,468,412
|
-3,303,550
|
2,712,170
|
|
- Cash paid from funds of credit institution
|
-10,749
|
-4,856
|
-5,013
|
-2,579
|
-1,934
|
|
Net cash flows from operating activities
|
12,897,118
|
55,468,501
|
12,053,287
|
42,376,555
|
39,358,333
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
|
|
- Purchase of fixed assets
|
-939,996
|
-1,110,111
|
-1,232,358
|
-1,618,886
|
-657,030
|
|
- Proceeds from disposal of fix assets
|
57,506
|
44,111
|
22,156
|
1,741,528
|
3,503
|
|
- Payment on disposal of fixed assets
|
0
|
-51
|
-35
|
-1,249,743
|
-3,015
|
|
- Purchase of investment properties
|
0
|
|
|
0
|
|
|
- Proceeds from disposal of investment properties
|
0
|
|
1,296,447
|
736,219
|
|
|
- Payment on disposal of investment properties
|
0
|
|
|
-56,278
|
|
|
- Investment in other entities
|
-1,497
|
|
-3,033,432
|
0
|
-199,836
|
|
- Proceeds from disinvestment in other entities
|
0
|
|
|
|
|
|
- Dividends and interest received
|
4,043
|
8,776
|
34,756
|
64,561
|
39,938
|
|
Net cash flows from investment activities
|
-879,944
|
-1,057,275
|
-2,912,466
|
-382,599
|
-816,440
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
60,053
|
63,178
|
52,664
|
198,242
|
213,822
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
1,894
|
854
|
2,253
|
12,106,839
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
-700,000
|
|
|
|
|
- Dividends paid
|
0
|
-74,648
|
|
-5,210,255
|
-7,084,911
|
|
- Purchase treasury shares
|
0
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
|
|
|
|
|
Net cash flows from financing activities
|
60,053
|
-709,576
|
53,518
|
-5,009,760
|
5,235,750
|
|
IV. Net cash flows of the year
|
12,077,227
|
53,701,650
|
9,194,339
|
36,984,196
|
43,777,643
|
|
V. Cash and cash equivalents at the beginning of year
|
35,595,899
|
47,604,230
|
101,305,880
|
110,500,219
|
147,484,415
|
|
VI. Effect of foreign exchange differences
|
0
|
|
|
0
|
|
|
VII. Cash and cash equivalents at the end of year
|
47,673,126
|
101,305,880
|
110,500,219
|
147,484,415
|
191,262,058
|
