|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
22,183,018
|
23,761,995
|
29,064,304
|
28,133,271
|
33,693,137
|
|
- Interest expense and similar expenses paid
|
-8,470,184
|
-10,950,125
|
-10,929,878
|
-12,312,898
|
-13,499,753
|
|
- Cash received from services provided
|
1,289,497
|
1,764,696
|
2,635,189
|
2,099,854
|
2,716,913
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
357,439
|
974,103
|
-22,564
|
-1,055,857
|
-504,873
|
|
- Other cash received
|
362,934
|
268,867
|
345,682
|
608,087
|
918,873
|
|
- Cash received from absolved debts which were covered by risk provisions
|
882,000
|
1,144,314
|
2,830,640
|
873,240
|
1,312,329
|
|
- Cash paid to employees and administration actitivities
|
-4,612,564
|
-4,023,581
|
-4,927,532
|
-5,358,364
|
-4,324,585
|
|
- Income tax paid
|
-574,385
|
-930,017
|
-92,476
|
-4,560,337
|
-658,631
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
11,417,755
|
12,010,252
|
18,903,365
|
8,426,996
|
19,653,410
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-12,792,943
|
-2,309,513
|
10,045,876
|
999,199
|
-5,152,755
|
|
- Increase/(Decrease) in trading securities and securities investment
|
-11,260,668
|
8,011,530
|
-10,671,044
|
-2,868,755
|
-412,062
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
61,338
|
0
|
|
|
|
|
- Increase/(Decrease) in loans and advances to customers
|
-94,891,390
|
-67,582,897
|
-48,119,185
|
-96,572,655
|
-120,449,007
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-4,756,587
|
-6,007,984
|
-6,062,910
|
-5,416,280
|
-6,200,866
|
|
- Increase/(Decrease) in other operating assets
|
18,959,747
|
-5,191,846
|
-2,800,017
|
-112,030
|
-6,634,706
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
3,406,556
|
-4,308,088
|
-22,740
|
1,048,151
|
-986,300
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
42,873,523
|
53,875,630
|
11,959,174
|
16,328,334
|
36,612,826
|
|
- Increase/(Decrease) in deposits from customers
|
48,400,183
|
-14,941,114
|
42,211,566
|
54,674,757
|
50,168,067
|
|
- Increase/(Decrease) in valuapapers issued
|
4,351,568
|
22,950,530
|
1,029,565
|
31,719,363
|
30,103,519
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-1,695
|
3,317
|
5,580
|
21,902
|
31,562
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
572,805
|
516,925
|
-246,348
|
181,870
|
172,304
|
|
- Increase/(Decrease) in other operating liabilities
|
8,462,878
|
7,017,010
|
902,111
|
3,714,846
|
3,012,727
|
|
- Cash paid from funds of credit institution
|
|
0
|
|
|
|
|
Net cash flows from operating activities
|
14,803,070
|
4,043,752
|
17,134,993
|
12,145,698
|
-81,281
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
0
|
|
|
|
|
- Purchase of fixed assets
|
18,218
|
-13,953
|
-71,331
|
-21,730
|
-58,489
|
|
- Proceeds from disposal of fix assets
|
659
|
-43
|
551
|
603
|
299
|
|
- Payment on disposal of fixed assets
|
|
0
|
-2,201
|
|
|
|
- Purchase of investment properties
|
|
0
|
|
|
|
|
- Proceeds from disposal of investment properties
|
|
0
|
|
|
|
|
- Payment on disposal of investment properties
|
|
0
|
|
|
|
|
- Investment in other entities
|
|
0
|
|
|
-1,130,218
|
|
- Proceeds from disinvestment in other entities
|
|
0
|
|
|
|
|
- Dividends and interest received
|
7,317
|
11,861
|
15,983
|
3,125
|
57,125
|
|
Net cash flows from investment activities
|
26,194
|
-2,135
|
-56,998
|
-18,002
|
-1,131,283
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
0
|
12,618,772
|
|
1,595
|
|
- 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
|
-3,968,172
|
0
|
|
|
-3,966,962
|
|
- Purchase treasury shares
|
|
0
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
0
|
|
|
|
|
Net cash flows from financing activities
|
-3,968,172
|
0
|
12,618,772
|
|
-3,965,367
|
|
IV. Net cash flows of the year
|
10,861,092
|
4,041,617
|
29,696,767
|
12,127,696
|
-5,177,931
|
|
V. Cash and cash equivalents at the beginning of year
|
151,497,743
|
162,358,835
|
166,400,452
|
196,097,219
|
208,224,915
|
|
VI. Effect of foreign exchange differences
|
|
0
|
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
162,358,835
|
166,400,452
|
196,097,219
|
208,224,915
|
203,046,984
|
