|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
6,497,786
|
8,181,267
|
9,167,220
|
8,471,388
|
9,699,824
|
|
- Interest expense and similar expenses paid
|
-4,075,149
|
-4,181,716
|
-5,391,998
|
-4,023,642
|
-6,669,710
|
|
- Cash received from services provided
|
988,763
|
1,034,974
|
1,224,082
|
1,252,429
|
1,131,521
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
364,670
|
-14,139
|
773,262
|
-55,227
|
248,834
|
|
- Other cash received
|
-7,123
|
41,330
|
-151,024
|
32,556
|
19,731
|
|
- Cash received from absolved debts which were covered by risk provisions
|
113,656
|
187,640
|
173,457
|
237,536
|
164,471
|
|
- Cash paid to employees and administration actitivities
|
-1,629,114
|
-1,494,006
|
-1,275,725
|
-2,144,747
|
-1,954,948
|
|
- Income tax paid
|
-200,000
|
-199,999
|
-10,000
|
-1,376,046
|
-112,196
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
2,053,489
|
3,555,351
|
4,509,274
|
2,394,247
|
2,527,527
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
4,475,106
|
3,313,083
|
-7,596,284
|
-3,619,016
|
-3,573,716
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-233,367
|
2,941,834
|
-150,472
|
-6,579,660
|
-3,182,454
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-115,669
|
58,898
|
-221,051
|
162,322
|
-89,925
|
|
- Increase/(Decrease) in loans and advances to customers
|
-21,371,218
|
-10,127,655
|
-10,527,373
|
-9,472,335
|
-21,790,590
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-579,057
|
-535,435
|
-1,367,659
|
-179,842
|
-595,263
|
|
- Increase/(Decrease) in other operating assets
|
549,057
|
16,275
|
-5,578,617
|
-7,741,415
|
-2,533,544
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
875,161
|
-5,949,521
|
1,379,102
|
6,928,134
|
-8,421,611
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
20,677,172
|
12,079,530
|
12,658,953
|
21,358,313
|
9,100,907
|
|
- Increase/(Decrease) in deposits from customers
|
13,729,666
|
13,401,474
|
18,804,465
|
-12,012,095
|
21,439,527
|
|
- Increase/(Decrease) in valuapapers issued
|
1,700,000
|
-1,000,000
|
15,478,000
|
990,000
|
-4,000,000
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
14,893
|
8,053
|
13,914
|
10,321
|
10,650
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
|
0
|
0
|
|
|
|
- Increase/(Decrease) in other operating liabilities
|
-19,377
|
138
|
4,353,893
|
481,010
|
1,455,535
|
|
- Cash paid from funds of credit institution
|
|
|
0
|
|
|
|
Net cash flows from operating activities
|
21,755,856
|
17,762,025
|
31,756,145
|
-7,280,016
|
-9,652,957
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
0
|
|
-114,798
|
|
- Purchase of fixed assets
|
-62,441
|
-27,885
|
-243,091
|
-81,784
|
81,784
|
|
- Proceeds from disposal of fix assets
|
2
|
182
|
0
|
|
|
|
- Payment on disposal of fixed assets
|
|
|
0
|
|
-6
|
|
- Purchase of investment properties
|
|
|
0
|
|
|
|
- Proceeds from disposal of investment properties
|
|
|
0
|
|
|
|
- Payment on disposal of investment properties
|
|
|
0
|
|
|
|
- Investment in other entities
|
|
|
-1,166,971
|
-13,200
|
|
|
- Proceeds from disinvestment in other entities
|
|
|
0
|
|
|
|
- Dividends and interest received
|
60
|
372
|
-251
|
83
|
205
|
|
Net cash flows from investment activities
|
-62,379
|
-27,331
|
-1,410,313
|
-94,901
|
-32,815
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
|
0
|
|
920,000
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
4,737,200
|
2,936,800
|
5,567,000
|
|
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
-1,080,800
|
-1,589,600
|
-6,525,800
|
-192,100
|
-2,391,200
|
|
- Dividends paid
|
-2,641,956
|
0
|
0
|
|
|
|
- Purchase treasury shares
|
|
|
0
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
0
|
|
|
|
Net cash flows from financing activities
|
1,014,444
|
1,347,200
|
-958,800
|
-192,100
|
-1,471,200
|
|
IV. Net cash flows of the year
|
22,707,921
|
19,081,894
|
29,387,032
|
-7,567,017
|
-11,156,972
|
|
V. Cash and cash equivalents at the beginning of year
|
44,780,913
|
67,278,398
|
86,612,489
|
115,747,324
|
108,553,424
|
|
VI. Effect of foreign exchange differences
|
-210,436
|
252,197
|
-252,197
|
373,117
|
-373,117
|
|
VII. Cash and cash equivalents at the end of year
|
67,278,398
|
86,612,489
|
115,747,324
|
108,553,424
|
97,023,335
|
