|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
70,805,813
|
86,066,830
|
108,115,648
|
94,139,605
|
104,279,621
|
|
- Interest expense and similar expenses paid
|
-28,835,100
|
-31,709,129
|
-47,454,820
|
-43,790,231
|
-44,982,266
|
|
- Cash received from services provided
|
5,727,973
|
5,159,968
|
4,100,623
|
3,457,461
|
3,413,845
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
4,579,228
|
5,975,176
|
7,042,599
|
4,087,811
|
5,074,170
|
|
- Other cash received
|
-526,176
|
-351,732
|
179,388
|
-1,390,508
|
-340,406
|
|
- Cash received from absolved debts which were covered by risk provisions
|
2,912,230
|
2,394,744
|
2,090,116
|
3,751,009
|
3,916,056
|
|
- Cash paid to employees and administration actitivities
|
-16,397,187
|
-19,844,137
|
-19,932,957
|
-20,922,725
|
-23,796,526
|
|
- Income tax paid
|
-5,877,803
|
-3,976,079
|
-8,969,967
|
-8,854,401
|
-9,241,967
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
32,388,978
|
43,715,641
|
45,170,630
|
30,478,021
|
38,322,527
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-10,965,318
|
-15,019,465
|
10,640,918
|
16,131,776
|
-10,181,043
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-14,079,392
|
5,431,755
|
19,792,999
|
-23,833,959
|
-4,474,331
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
-303,202
|
146,687
|
156,515
|
-1,314,434
|
939,516
|
|
- Increase/(Decrease) in loans and advances to customers
|
-120,961,694
|
-184,316,295
|
-125,292,768
|
-178,860,762
|
-224,326,776
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-2,538,370
|
-3,530,346
|
-5,758,202
|
-5,358,023
|
-7,287,782
|
|
- Increase/(Decrease) in other operating assets
|
-10,778,219
|
-30,045,854
|
29,815,689
|
-268,042
|
-3,414,751
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-31,708,879
|
57,846,700
|
-65,643,979
|
76,566,500
|
81,890,988
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
6,173,944
|
122,753,073
|
-18,668,870
|
20,814,426
|
86,624,886
|
|
- Increase/(Decrease) in deposits from customers
|
103,210,346
|
108,144,559
|
152,226,140
|
118,967,239
|
157,869,253
|
|
- Increase/(Decrease) in valuapapers issued
|
-3,853,426
|
7,950,797
|
-5,425,274
|
4,212,146
|
2,976,037
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-6,972
|
-4,409
|
-2,933
|
164
|
-529
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-52,031
|
|
117,752
|
-117,752
|
0
|
|
- Increase/(Decrease) in other operating liabilities
|
1,483,406
|
72,841,154
|
-73,864,065
|
1,990,839
|
-971,727
|
|
- Cash paid from funds of credit institution
|
-2,789,349
|
-2,538,653
|
-2,797,683
|
-2,835,671
|
-2,625,051
|
|
Net cash flows from operating activities
|
-54,780,178
|
183,375,344
|
-39,533,131
|
56,572,468
|
115,341,217
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
|
|
- Purchase of fixed assets
|
-1,621,433
|
-711,567
|
-1,008,160
|
-1,475,986
|
-1,453,488
|
|
- Proceeds from disposal of fix assets
|
8,408
|
15,753
|
9,435
|
12,447
|
17,231
|
|
- Payment on disposal of fixed assets
|
-1,201
|
-4,808
|
-6,770
|
-1,244
|
-1,288
|
|
- Purchase of investment properties
|
0
|
|
|
|
|
|
- Proceeds from disposal of investment properties
|
0
|
|
|
|
|
|
- Payment on disposal of investment properties
|
0
|
|
|
|
|
|
- Investment in other entities
|
-83,502
|
|
|
|
-60,167
|
|
- Proceeds from disinvestment in other entities
|
13,791
|
201,899
|
0
|
747
|
118,576
|
|
- Dividends and interest received
|
93,844
|
107,054
|
146,088
|
160,709
|
0
|
|
Net cash flows from investment activities
|
-1,590,093
|
-391,669
|
-859,407
|
-1,303,327
|
-1,379,136
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
|
|
|
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
|
|
- Dividends paid
|
-1,886,298
|
-3,348,022
|
-15,627
|
-19,963
|
-3,776,798
|
|
- Purchase treasury shares
|
0
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
0
|
|
|
|
|
|
Net cash flows from financing activities
|
-1,886,298
|
-3,348,022
|
-15,627
|
-19,963
|
-3,776,798
|
|
IV. Net cash flows of the year
|
-58,256,569
|
179,635,653
|
-40,408,165
|
55,249,178
|
110,185,283
|
|
V. Cash and cash equivalents at the beginning of year
|
292,582,702
|
232,553,995
|
412,235,294
|
372,818,730
|
430,614,185
|
|
VI. Effect of foreign exchange differences
|
0
|
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
234,326,133
|
412,189,648
|
371,827,129
|
428,067,908
|
540,799,468
|
