|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
16,500,085
|
20,446,205
|
19,598,279
|
21,787,810
|
22,971,302
|
|
- Interest expense and similar expenses paid
|
-7,027,917
|
-7,377,237
|
-8,293,092
|
-10,196,914
|
-10,895,678
|
|
- Cash received from services provided
|
2,280,122
|
2,349,391
|
2,854,668
|
3,855,143
|
3,187,706
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
1,339,137
|
999,540
|
865,683
|
383,834
|
907,179
|
|
- Other cash received
|
5,713
|
186,814
|
-232,677
|
378,380
|
223,747
|
|
- Cash received from absolved debts which were covered by risk provisions
|
561,070
|
253,663
|
177,395
|
197,174
|
148,329
|
|
- Cash paid to employees and administration actitivities
|
-3,046,546
|
-2,516,217
|
-4,607,109
|
-3,484,918
|
-3,926,743
|
|
- Income tax paid
|
-970,902
|
-21,215
|
-4,607,917
|
-776,383
|
-806,819
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
9,640,762
|
14,320,944
|
5,755,230
|
12,144,126
|
11,809,023
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-6,079,069
|
6,401,970
|
4,338,587
|
-7,914,120
|
-24,168,301
|
|
- Increase/(Decrease) in trading securities and securities investment
|
3,431,116
|
-9,911,532
|
7,588,573
|
-38,852,184
|
7,773,890
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
|
|
|
|
0
|
|
- Increase/(Decrease) in loans and advances to customers
|
-56,396,919
|
-907,200
|
-29,246,822
|
-50,471,617
|
-21,137,824
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-372,588
|
-960,384
|
-182,597
|
-380,852
|
-607,374
|
|
- Increase/(Decrease) in other operating assets
|
-3,344,188
|
-28,545,992
|
5,896,711
|
4,403,261
|
1,467,940
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
|
4,306,722
|
38,028
|
-4,344,751
|
-8,193,489
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
9,579,576
|
-1,660,903
|
5,284,205
|
13,752,279
|
16,920,677
|
|
- Increase/(Decrease) in deposits from customers
|
50,002,432
|
23,800,485
|
-18,792,063
|
70,556,897
|
-1,057,535
|
|
- Increase/(Decrease) in valuapapers issued
|
9,404,879
|
33,587,607
|
2,566,880
|
-5,817,104
|
24,967,234
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
|
|
|
|
0
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
619,294
|
704,794
|
-200,636
|
-1,369
|
-481,194
|
|
- Increase/(Decrease) in other operating liabilities
|
3,148,007
|
-2,623,527
|
4,866,393
|
2,425,043
|
217,187
|
|
- Cash paid from funds of credit institution
|
-287
|
-1,178
|
-264
|
-8
|
-15,380
|
|
Net cash flows from operating activities
|
19,633,015
|
38,511,806
|
-12,087,775
|
-4,500,399
|
7,494,854
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
|
|
0
|
|
- Purchase of fixed assets
|
-201,513
|
-148,429
|
-35,724
|
-132,552
|
-211,802
|
|
- Proceeds from disposal of fix assets
|
840
|
819
|
672
|
50,095
|
-60
|
|
- Payment on disposal of fixed assets
|
-673
|
-56
|
-130
|
130
|
0
|
|
- Purchase of investment properties
|
|
|
|
|
-3,291,000
|
|
- Proceeds from disposal of investment properties
|
|
|
|
|
3,033,432
|
|
- Payment on disposal of investment properties
|
|
|
|
|
0
|
|
- Investment in other entities
|
-33,000
|
-156,553
|
|
|
0
|
|
- Proceeds from disinvestment in other entities
|
|
|
2,217
|
162,783
|
0
|
|
- Dividends and interest received
|
6,497
|
1,880
|
|
9,706
|
584
|
|
Net cash flows from investment activities
|
-227,849
|
-302,339
|
-32,965
|
90,162
|
-468,846
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
12,106,839
|
-11,893,017
|
2,755
|
|
5,565
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
-1,376,714
|
12,106,839
|
|
|
0
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
|
|
|
|
0
|
|
- Dividends paid
|
|
-7,084,911
|
|
-5,051,697
|
-16
|
|
- Purchase treasury shares
|
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
0
|
|
Net cash flows from financing activities
|
10,730,125
|
-6,871,089
|
|
-5,051,697
|
5,549
|
|
IV. Net cash flows of the year
|
30,135,291
|
31,338,378
|
-12,117,985
|
-9,461,934
|
7,031,557
|
|
V. Cash and cash equivalents at the beginning of year
|
129,788,389
|
159,923,680
|
191,827,343
|
179,709,358
|
170,247,424
|
|
VI. Effect of foreign exchange differences
|
|
|
|
|
0
|
|
VII. Cash and cash equivalents at the end of year
|
159,923,680
|
191,262,058
|
179,709,358
|
170,247,424
|
177,278,981
|
