Unit: 1.000.000đ
  Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
I. Cash flows from operating activities
- Cash received from interst income and similar income 20,058,223 19,303,709 21,312,276 21,247,343 22,183,018
- Interest expense and similar expenses paid -9,861,228 -8,228,511 -6,262,100 -7,614,303 -8,470,184
- Cash received from services provided 2,023,101 1,446,113 1,847,853 1,241,676 1,289,497
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities) 493,267 63,097 466,637 284,718 357,439
- Other cash received -102,379 -50,907 104,026 8,940 362,934
- Cash received from absolved debts which were covered by risk provisions 1,302,221 1,576,529 2,323,108 855,635 882,000
- Cash paid to employees and administration actitivities -3,269,652 -3,214,291 -3,953,259 -3,345,536 -4,612,564
- Income tax paid -1,065,780 -598,723 -290,829 -2,530,896 -574,385
Cashflow from operating activities before changes in operating assests and working capital 9,577,773 10,297,016 15,547,712 10,147,577 11,417,755
1. Changes in operating assets
- Increase/(Decrease) in placements with and loans to other credit institutions -9,735,288 14,920,525 8,127,161 5,000,264 -12,792,943
- Increase/(Decrease) in trading securities and securities investment 22,571,913 2,360,764 2,717,798 -6,947,737 -11,260,668
- Increase/(Decrease) in derivatives and other financial assets 582,774 -61,338 61,338
- Increase/(Decrease) in loans and advances to customers -42,328,906 -11,406,240 -59,212,724 -38,378,674 -94,891,390
- Increase/(Decrease) in provision to compensate for damages -7,595,953 -5,434,478 -5,215,412 -5,219,010 -4,756,587
- Increase/(Decrease) in other operating assets -289,829 15,538,960 4,692,706 -22,223,980 18,959,747
2. Changes in operating liabilities
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam 276,075 -361,913 -20,314 933,864 3,406,556
- Increase/(Decrease) in placements and borrowings from other credit institutions 24,734,080 -11,164,560 34,340,285 -15,265,229 42,873,523
- Increase/(Decrease) in deposits from customers 15,531,138 4,433,723 9,884,209 66,707,433 48,400,183
- Increase/(Decrease) in valuapapers issued 7,855,353 -3,258,208 16,034,203 11,813,286 4,351,568
- Increase/Decrease in trusted funds which the bank has to incur credit risk -2,861 -2,504 -2,131 -1,702 -1,695
- Increase/(Decrease) in derivatives and funds received from other institutions 1,023,282 242,762 -1,237,987 -28,057 572,805
- Increase/(Decrease) in other operating liabilities -305,305 780,473 -1,821,243 2,074,109 8,462,878
- Cash paid from funds of credit institution
Net cash flows from operating activities 21,894,246 16,946,320 23,834,263 8,550,806 14,803,070
II. Cash flows from investment activities
- Money decrease due to selling sub-company
- Purchase of fixed assets -497 -1,534 -56,271 -64,029 18,218
- Proceeds from disposal of fix assets 1 869 -80 8,182 659
- Payment on disposal of fixed assets -259 0
- Purchase of investment properties
- Proceeds from disposal of investment properties
- Payment on disposal of investment properties
- Investment in other entities
- Proceeds from disinvestment in other entities
- Dividends and interest received 3,147 9,654 7,317
Net cash flows from investment activities -496 2,223 -46,697 -55,847 26,194
III. Cash flows from financing activities
- Proceeds from share issuances
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
- Dividends paid -7,935,139 0 -693 -3,968,172
- Purchase treasury shares
- Proceeds from reissue of treasury shares
Net cash flows from financing activities -7,935,139 0 -693 -3,968,172
IV. Net cash flows of the year 13,958,611 16,948,543 23,786,873 8,494,959 10,861,092
V. Cash and cash equivalents at the beginning of year 88,308,757 102,267,368 119,215,911 143,002,784 151,497,743
VI. Effect of foreign exchange differences
VII. Cash and cash equivalents at the end of year 102,267,368 119,215,911 143,002,784 151,497,743 162,358,835