|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
23,761,995
|
29,064,304
|
28,133,271
|
33,693,137
|
35,218,954
|
|
- Interest expense and similar expenses paid
|
-10,950,125
|
-10,929,878
|
-12,312,898
|
-13,499,753
|
-19,377,993
|
|
- Cash received from services provided
|
1,764,696
|
2,635,189
|
2,099,854
|
2,716,913
|
3,154,377
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
974,103
|
-22,564
|
-1,055,857
|
-504,873
|
-661,068
|
|
- Other cash received
|
268,867
|
345,682
|
608,087
|
918,873
|
825,332
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,144,314
|
2,830,640
|
873,240
|
1,312,329
|
1,062,465
|
|
- Cash paid to employees and administration actitivities
|
-4,023,581
|
-4,927,532
|
-5,358,364
|
-4,324,585
|
-4,567,127
|
|
- Income tax paid
|
-930,017
|
-92,476
|
-4,560,337
|
-658,631
|
-982,869
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
12,010,252
|
18,903,365
|
8,426,996
|
19,653,410
|
14,672,071
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-2,309,513
|
10,045,876
|
999,199
|
-5,152,755
|
-9,950,854
|
|
- Increase/(Decrease) in trading securities and securities investment
|
8,011,530
|
-10,671,044
|
-2,868,755
|
-412,062
|
-11,887,318
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
0
|
|
|
|
0
|
|
- Increase/(Decrease) in loans and advances to customers
|
-67,582,897
|
-48,119,185
|
-96,572,655
|
-120,449,007
|
-51,271,311
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-6,007,984
|
-6,062,910
|
-5,416,280
|
-6,200,866
|
-7,229,011
|
|
- Increase/(Decrease) in other operating assets
|
-5,191,846
|
-2,800,017
|
-112,030
|
-6,634,706
|
2,917,697
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-4,308,088
|
-22,740
|
1,048,151
|
-986,300
|
-50,481
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
53,875,630
|
11,959,174
|
16,328,334
|
36,612,826
|
17,475,473
|
|
- Increase/(Decrease) in deposits from customers
|
-14,941,114
|
42,211,566
|
54,674,757
|
50,168,067
|
60,159,990
|
|
- Increase/(Decrease) in valuapapers issued
|
22,950,530
|
1,029,565
|
31,719,363
|
30,103,519
|
24,750,694
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
3,317
|
5,580
|
21,902
|
31,562
|
-2,163
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
516,925
|
-246,348
|
181,870
|
172,304
|
1,025,701
|
|
- Increase/(Decrease) in other operating liabilities
|
7,017,010
|
902,111
|
3,714,846
|
3,012,727
|
-6,578,863
|
|
- Cash paid from funds of credit institution
|
0
|
|
|
|
0
|
|
Net cash flows from operating activities
|
4,043,752
|
17,134,993
|
12,145,698
|
-81,281
|
34,031,625
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
0
|
|
|
|
0
|
|
- Purchase of fixed assets
|
-13,953
|
-71,331
|
-21,730
|
-58,489
|
-10,645,913
|
|
- Proceeds from disposal of fix assets
|
-43
|
551
|
603
|
299
|
105
|
|
- Payment on disposal of fixed assets
|
0
|
-2,201
|
|
|
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
|
|
|
-1,130,218
|
0
|
|
- Proceeds from disinvestment in other entities
|
0
|
|
|
|
0
|
|
- Dividends and interest received
|
11,861
|
15,983
|
3,125
|
57,125
|
37,812
|
|
Net cash flows from investment activities
|
-2,135
|
-56,998
|
-18,002
|
-1,131,283
|
-10,607,996
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
0
|
12,618,772
|
|
1,595
|
0
|
|
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
0
|
|
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts
|
0
|
|
|
|
0
|
|
- Dividends paid
|
0
|
|
|
-3,966,962
|
0
|
|
- Purchase treasury shares
|
0
|
|
|
|
0
|
|
- Proceeds from reissue of treasury shares
|
0
|
|
|
|
0
|
|
Net cash flows from financing activities
|
0
|
12,618,772
|
|
-3,965,367
|
0
|
|
IV. Net cash flows of the year
|
4,041,617
|
29,696,767
|
12,127,696
|
-5,177,931
|
23,423,629
|
|
V. Cash and cash equivalents at the beginning of year
|
162,358,835
|
166,400,452
|
196,097,219
|
208,224,915
|
203,046,984
|
|
VI. Effect of foreign exchange differences
|
0
|
|
|
|
0
|
|
VII. Cash and cash equivalents at the end of year
|
166,400,452
|
196,097,219
|
208,224,915
|
203,046,984
|
226,470,613
|
