Unit: 1.000.000đ
  2018 2019 2020 2021 2022
I. Cash flows from operating activities
- Cash received from interst income and similar income 9,959,107 13,770,074 17,134,772 20,916,556 26,933,832
- Interest expense and similar expenses paid -5,013,892 -6,594,055 -8,632,460 -9,431,875 -11,361,778
- Cash received from services provided 734,931 1,797,300 2,388,675 2,741,952 3,188,381
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities) 7,863 -43,048 49,490 43,264 -456,545
- Other cash received 384,566 11,677 68,566 5,632 -23,991
- Cash received from absolved debts which were covered by risk provisions 129,234 210,737 214,138 215,358 376,831
- Cash paid to employees and administration actitivities -2,499,167 -3,302,646 -4,081,693 -5,342,256 -6,198,153
- Income tax paid -499,259 -793,782 -1,041,884 -1,409,480 -989,730
Cashflow from operating activities before changes in operating assests and working capital 3,203,383 5,056,257 6,099,604 7,739,151 11,468,847
1. Changes in operating assets
- Increase/(Decrease) in placements with and loans to other credit institutions 193,276 -446,826 -397,218 -14,701,814 -8,500,953
- Increase/(Decrease) in trading securities and securities investment -2,215,060 794,254 -13,541,305 -3,291,040 5,464,131
- Increase/(Decrease) in derivatives and other financial assets 0 -23,753 23,753 -20,958
- Increase/(Decrease) in loans and advances to customers -15,739,755 -32,968,474 -40,244,880 -31,905,883 -30,371,148
- Increase/(Decrease) in provision to compensate for damages -1,714,066 -326,290 -481,146 -946,088 -633,712
- Increase/(Decrease) in other operating assets 375,920 -1,209,268 -317,174 -5,974,624 1,590,047
2. Changes in operating liabilities
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam -167,425 -832,575 0 0
- Increase/(Decrease) in placements and borrowings from other credit institutions -4,295,569 -2,174,837 15,251,012 21,968,948 6,709,971
- Increase/(Decrease) in deposits from customers 16,484,878 37,494,415 28,003,451 23,215,795 26,559,050
- Increase/(Decrease) in valuapapers issued 1,107,369 7,002,417 11,404,016 13,739,319 -10,523,364
- Increase/Decrease in trusted funds which the bank has to incur credit risk -11,430 -9,116 -614 -1,440 -556
- Increase/(Decrease) in derivatives and funds received from other institutions -67,807 -18,045 -2,426 63,933 -63,933
- Increase/(Decrease) in other operating liabilities 469,540 -63,338 154,148 -295,592 240,313
- Cash paid from funds of credit institution 0 0 0
Net cash flows from operating activities -2,376,746 12,298,574 5,903,715 9,634,418 1,917,735
II. Cash flows from investment activities
- Money decrease due to selling sub-company 0 0 0
- Purchase of fixed assets -74,108 -97,210 -132,197 -326,118 -240,720
- Proceeds from disposal of fix assets 1,126 4,564 58 0 2,042
- Payment on disposal of fixed assets 0 0 0
- Purchase of investment properties 0 0 0
- Proceeds from disposal of investment properties 16,403 0 0
- Payment on disposal of investment properties 0 0 0
- Investment in other entities 0 0 0
- Proceeds from disinvestment in other entities 0 0 2,890
- Dividends and interest received 535 1,766 1,941 1,766 2,895
Net cash flows from investment activities -56,044 -90,880 -130,198 -321,462 -235,783
III. Cash flows from financing activities
- Proceeds from share issuances 0 0 130
- Capital form issuances of long-term bonds which are considered as the tier 2 and long-term debts 0 0 0
- Repayment of long-term bonds which are considered as the tier 2 and long-term debts 0 0 0
- Dividends paid -265,195 -430,531 0 0
- Purchase treasury shares 0 0 0
- Proceeds from reissue of treasury shares 0 120 0 0 60
Net cash flows from financing activities -265,195 -430,411 0 130 60
IV. Net cash flows of the year -2,697,985 11,777,283 5,773,517 9,313,086 1,682,012
V. Cash and cash equivalents at the beginning of year 13,993,675 11,295,689 23,072,972 28,846,489 38,159,575
VI. Effect of foreign exchange differences 0 0 0
VII. Cash and cash equivalents at the end of year 11,295,690 23,072,972 28,846,489 38,159,575 39,841,587