Unit: 1.000.000đ
  2017 2018 2019 2020 2021
I. Cash flows from operating activities
- Cash received from interst income and similar income 3,649,702 4,836,778 6,985,174 7,762,912 10,887,119
- Interest expense and similar expenses paid -2,551,058 -3,201,242 -4,480,763 -5,757,121 -6,813,229
- Cash received from services provided 63,219 51,938 74,168 115,940 206,006
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities) 169,131 63,040 138,608 251,671 342,059
- Other cash received 26,589 -1,417 -13,959 6,363 -8,595
- Cash received from absolved debts which were covered by risk provisions 175,141 42,472 8,913 201,646 15,726
- Cash paid to employees and administration actitivities -711,621 -942,834 -1,636,186 -1,652,621 -1,936,004
- Income tax paid -21,667 -97,647 -179,297 -151,392 -411,221
Cashflow from operating activities before changes in operating assests and working capital 799,436 751,088 896,658 777,398 2,281,861
1. Changes in operating assets
- Increase/(Decrease) in placements with and loans to other credit institutions -363,650 364,233 -159,241 -30,571 9,344
- Increase/(Decrease) in trading securities and securities investment -907,700 1,214,069 1,725,972 -12,862,590 -2,871,493
- Increase/(Decrease) in derivatives and other financial assets -75 509 0 0 0
- Increase/(Decrease) in loans and advances to customers -12,306,249 -14,469,407 -18,343,706 -23,542,965 -9,997,712
- Increase/(Decrease) in provision to compensate for damages -14,016 -7 -124,749 -491,003 -97,723
- Increase/(Decrease) in other operating assets 3,332,084 -57,220 153,021 -246,962 36,465
2. Changes in operating liabilities
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam 320,515 -321,698 -258 -258 -258
- Increase/(Decrease) in placements and borrowings from other credit institutions 3,156,873 4,677,724 -581,380 7,366,639 -3,469,599
- Increase/(Decrease) in deposits from customers 5,780,460 14,326,530 16,557,105 27,509,819 17,065,357
- Increase/(Decrease) in valuapapers issued 1,857,863 713,610 1,806,400 2,545,190 3,402,790
- Increase/Decrease in trusted funds which the bank has to incur credit risk -6,775 114,875 581,287 853 -7,744
- Increase/(Decrease) in derivatives and funds received from other institutions 0 0 4,718 -237,634 -2,459
- Increase/(Decrease) in other operating liabilities -31,231 8,635 56,328 148,754 344,548
- Cash paid from funds of credit institution 0 0 0 0 0
Net cash flows from operating activities 1,617,535 7,322,941 2,572,155 936,670 6,693,377
II. Cash flows from investment activities
- Money decrease due to selling sub-company 0 0 0 0 0
- Purchase of fixed assets -74,798 -101,843 -144,900 -355,738 -96,896
- Proceeds from disposal of fix assets 115,579 1,692 11,719 31,303 1,155
- Payment on disposal of fixed assets 0 0 0 0 0
- Purchase of investment properties -56,616 -102 -49,913 0 0
- Proceeds from disposal of investment properties 4,409 38,458 21,496 25,018 18,621
- Payment on disposal of investment properties 0 0 0 0 0
- Investment in other entities 0 0 0 0 -10,520
- Proceeds from disinvestment in other entities 0 0 2,000 0 0
- Dividends and interest received 193 2,057 987 63 151
Net cash flows from investment activities -11,233 -59,738 -158,611 -299,354 -87,489
III. Cash flows from financing activities
- Proceeds from share issuances 0 12 14 843,132 0
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts 0 0 0 0 0
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts 0 0 0 0 0
- Dividends paid -665 -844 -146 -656 -540
- Purchase treasury shares 0 0 0 0 0
- Proceeds from reissue of treasury shares 0 0 0 0 0
Net cash flows from financing activities -665 -832 -132 842,476 -540
IV. Net cash flows of the year 1,605,637 7,262,371 2,413,412 1,479,792 6,605,348
V. Cash and cash equivalents at the beginning of year 4,306,715 5,912,352 13,174,723 15,588,135 17,067,927
VI. Effect of foreign exchange differences 0 0 0 0 0
VII. Cash and cash equivalents at the end of year 5,912,352 13,174,723 15,588,135 17,067,927 23,673,275