|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
29,867,756
|
31,537,659
|
34,223,000
|
33,395,486
|
30,837,947
|
|
- Interest expense and similar expenses paid
|
-17,127,698
|
-15,691,888
|
-17,615,173
|
-17,985,959
|
-21,285,874
|
|
- Cash received from services provided
|
2,093,001
|
1,632,484
|
1,856,723
|
1,824,668
|
1,855,597
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
985,893
|
1,213,064
|
1,328,330
|
1,163,871
|
833,711
|
|
- Other cash received
|
422,988
|
129,663
|
205,546
|
-28,767
|
-46,791
|
|
- Cash received from absolved debts which were covered by risk provisions
|
1,021,360
|
641,778
|
1,372,545
|
1,222,620
|
1,434,359
|
|
- Cash paid to employees and administration actitivities
|
-6,078,457
|
-5,059,409
|
-3,642,253
|
-3,835,199
|
-5,487,010
|
|
- Income tax paid
|
-45,978
|
-2,953,067
|
-1,116,481
|
-580,101
|
-140,793
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
11,138,865
|
11,450,284
|
16,612,237
|
15,176,619
|
8,001,146
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
9,894,647
|
28,017,720
|
-19,410,883
|
4,445,752
|
-24,222,200
|
|
- Increase/(Decrease) in trading securities and securities investment
|
14,545,480
|
-17,889,237
|
17,147,078
|
9,659,054
|
-18,945,985
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
3,388,479
|
901,645
|
786,138
|
1,370,944
|
|
|
- Increase/(Decrease) in loans and advances to customers
|
-29,583,171
|
-58,287,752
|
-26,247,220
|
-26,923,390
|
-87,042,508
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-15,017,966
|
-7,017,158
|
-6,720,876
|
-4,007,419
|
-9,009,997
|
|
- Increase/(Decrease) in other operating assets
|
-8,558,500
|
20,604,837
|
5,745,425
|
-1,788,483
|
-196,133
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
6,139,303
|
-4,720,707
|
-94,620,397
|
16,138,822
|
237,085
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
-22,709,186
|
-32,151,115
|
86,659,081
|
24,674,814
|
15,811,511
|
|
- Increase/(Decrease) in deposits from customers
|
59,458,097
|
23,174,349
|
37,698,068
|
275,143
|
100,575,444
|
|
- Increase/(Decrease) in valuapapers issued
|
10,546,372
|
20,222,029
|
1,025,911
|
-24,739,739
|
27,497,107
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-36,561
|
-73,489
|
87,400
|
91,898
|
-260,231
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
|
|
|
50,406
|
505,540
|
|
- Increase/(Decrease) in other operating liabilities
|
-673,710
|
3,414,175
|
-3,929,988
|
4,759,176
|
-5,808,831
|
|
- Cash paid from funds of credit institution
|
|
|
|
|
|
|
Net cash flows from operating activities
|
38,532,149
|
-12,354,419
|
14,831,974
|
19,183,597
|
7,141,948
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
|
0
|
|
|
|
- Purchase of fixed assets
|
-192,133
|
-64,500
|
-241,972
|
-167,995
|
-364,386
|
|
- Proceeds from disposal of fix assets
|
5,879
|
936
|
1,912
|
2,611
|
5,014
|
|
- Payment on disposal of fixed assets
|
-1,433
|
-121
|
-175
|
-315
|
-1,980
|
|
- 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
|
-68,188
|
|
|
|
|
|
- Dividends and interest received
|
12,448
|
34,161
|
672
|
40,384
|
17,120
|
|
Net cash flows from investment activities
|
-243,427
|
-29,524
|
-239,563
|
-125,315
|
-344,232
|
|
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
|
|
|
|
|
|
|
- Purchase treasury shares
|
|
|
|
|
|
|
- Proceeds from reissue of treasury shares
|
|
|
|
|
|
|
Net cash flows from financing activities
|
|
|
|
|
|
|
IV. Net cash flows of the year
|
38,288,722
|
-12,383,943
|
14,592,411
|
19,058,282
|
6,797,716
|
|
V. Cash and cash equivalents at the beginning of year
|
207,128,395
|
244,298,220
|
231,870,969
|
246,377,396
|
265,483,756
|
|
VI. Effect of foreign exchange differences
|
-185,694
|
-43,308
|
-85,984
|
48,078
|
22,135
|
|
VII. Cash and cash equivalents at the end of year
|
245,231,423
|
231,870,969
|
246,377,396
|
265,483,756
|
272,303,607
|
