|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
17,261,091
|
20,716,861
|
27,961,917
|
26,306,225
|
30,133,067
|
|
- Interest expense and similar expenses paid
|
-7,560,853
|
-9,069,486
|
-15,239,815
|
-14,282,311
|
-15,960,509
|
|
- Cash received from services provided
|
1,542,467
|
2,691,980
|
2,279,300
|
3,363,609
|
4,157,757
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
2,006,642
|
723,841
|
1,413,702
|
1,441,743
|
1,234,149
|
|
- Other cash received
|
-2,345
|
79,516
|
-409,472
|
-315,820
|
-131,889
|
|
- Cash received from absolved debts which were covered by risk provisions
|
247,956
|
622,037
|
303,664
|
669,540
|
594,474
|
|
- Cash paid to employees and administration actitivities
|
-4,283,956
|
-5,737,475
|
-6,322,306
|
-5,919,785
|
-6,486,888
|
|
- Income tax paid
|
-1,273,872
|
-528,042
|
-1,612,314
|
-1,199,378
|
-1,551,957
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
7,937,130
|
9,499,232
|
8,374,676
|
10,063,823
|
11,988,204
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-8,872,347
|
-3,594,016
|
-1,985,008
|
10,090,722
|
-173,894
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-12,537,860
|
-10,785,405
|
8,429,048
|
5,842,184
|
2,124,550
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
77,344
|
-203,247
|
203,247
|
|
-333,702
|
|
- Increase/(Decrease) in loans and advances to customers
|
-19,588,462
|
-19,011,699
|
-42,586,440
|
-40,406,778
|
-50,802,310
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-3,101,468
|
-1,782,240
|
-3,013,533
|
-3,797,746
|
-2,679,886
|
|
- Increase/(Decrease) in other operating assets
|
-245,342
|
-4,080,441
|
933,113
|
-1,836,872
|
-7,000,594
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-133,863
|
-130,635
|
-95,019
|
-100,152
|
1,403,373
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
37,803,221
|
-14,382,698
|
10,599,440
|
15,243,320
|
16,505,977
|
|
- Increase/(Decrease) in deposits from customers
|
23,658,736
|
55,397,659
|
13,301,639
|
34,544,229
|
36,244,462
|
|
- Increase/(Decrease) in valuapapers issued
|
9,532,629
|
-12,946,893
|
-1,672,787
|
10,551,433
|
18,178,000
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-286,912
|
-236,741
|
-90,612
|
19,295
|
46,898
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
77,705
|
-77,705
|
66,150
|
65,180
|
-131,331
|
|
- Increase/(Decrease) in other operating liabilities
|
-91,254
|
628,935
|
-346,422
|
64,118
|
4,427,873
|
|
- Cash paid from funds of credit institution
|
0
|
|
|
|
0
|
|
Net cash flows from operating activities
|
34,229,257
|
-1,705,894
|
-7,882,508
|
40,342,756
|
29,797,620
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
0
|
|
- Purchase of fixed assets
|
-629,215
|
-426,031
|
-485,789
|
-377,748
|
-405,174
|
|
- Proceeds from disposal of fix assets
|
166
|
629
|
484
|
251
|
185
|
|
- Payment on disposal of fixed assets
|
0
|
-41
|
|
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
|
|
|
-22,420
|
-1,166,971
|
|
- Proceeds from disinvestment in other entities
|
0
|
|
|
|
0
|
|
- Dividends and interest received
|
0
|
|
|
|
181
|
|
Net cash flows from investment activities
|
-629,049
|
-425,443
|
-485,305
|
-399,917
|
-1,571,779
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
3,283,500
|
|
|
|
0
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
6,117,800
|
3,447,816
|
13,241,000
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
-1,566,300
|
-2,028,300
|
-658,700
|
-1,582,800
|
-9,226,200
|
|
- Dividends paid
|
0
|
|
-3,954,389
|
-1,100,818
|
-2,641,956
|
|
- Purchase treasury shares
|
0
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
1,134,993
|
|
|
|
0
|
|
Net cash flows from financing activities
|
2,852,193
|
-2,028,300
|
1,504,711
|
764,198
|
1,372,844
|
|
IV. Net cash flows of the year
|
36,452,401
|
-4,159,637
|
-6,863,102
|
40,707,037
|
29,598,685
|
|
V. Cash and cash equivalents at the beginning of year
|
20,008,807
|
56,461,208
|
52,301,571
|
45,441,602
|
86,148,639
|
|
VI. Effect of foreign exchange differences
|
0
|
0
|
|
0
|
0
|
|
VII. Cash and cash equivalents at the end of year
|
56,461,208
|
52,301,571
|
45,438,469
|
86,148,639
|
115,747,324
|
