|
I. Cash flows from operating activities
|
|
|
|
|
|
|
- Cash received from interst income and similar income
|
13,770,074
|
17,134,772
|
20,916,556
|
26,933,832
|
34,336,678
|
|
- Interest expense and similar expenses paid
|
-6,594,055
|
-8,632,460
|
-9,431,875
|
-11,361,778
|
-17,726,445
|
|
- Cash received from services provided
|
1,797,300
|
2,388,675
|
2,741,952
|
3,188,381
|
3,326,781
|
|
- Difference between cash received and cash paid from operating activities (foreign currency, gold and securities)
|
-43,048
|
49,490
|
43,264
|
-456,545
|
665,975
|
|
- Other cash received
|
11,677
|
68,566
|
5,632
|
-23,991
|
96,475
|
|
- Cash received from absolved debts which were covered by risk provisions
|
210,737
|
214,138
|
215,358
|
376,831
|
692,749
|
|
- Cash paid to employees and administration actitivities
|
-3,302,646
|
-4,081,693
|
-5,342,256
|
-6,198,153
|
-6,265,054
|
|
- Income tax paid
|
-793,782
|
-1,041,884
|
-1,409,480
|
-989,730
|
-2,328,881
|
|
Cashflow from operating activities before changes in operating assests and working capital
|
5,056,257
|
6,099,604
|
7,739,151
|
11,468,847
|
12,798,278
|
|
1. Changes in operating assets
|
|
|
|
|
|
|
- Increase/(Decrease) in placements with and loans to other credit institutions
|
-446,826
|
-397,218
|
-14,701,814
|
-8,500,953
|
12,923,370
|
|
- Increase/(Decrease) in trading securities and securities investment
|
794,254
|
-13,541,305
|
-3,291,040
|
5,464,131
|
-21,705,895
|
|
- Increase/(Decrease) in derivatives and other financial assets
|
|
-23,753
|
23,753
|
-20,958
|
-135,763
|
|
- Increase/(Decrease) in loans and advances to customers
|
-32,968,474
|
-40,244,880
|
-31,905,883
|
-30,371,148
|
-34,314,112
|
|
- Increase/(Decrease) in provision to compensate for damages
|
-326,290
|
-481,146
|
-946,088
|
-633,712
|
-3,662,477
|
|
- Increase/(Decrease) in other operating assets
|
-1,209,268
|
-317,174
|
-5,974,624
|
1,590,047
|
2,706,420
|
|
2. Changes in operating liabilities
|
|
|
|
|
|
|
- Increase/(Decrease) in borrowings from the government and State Bank of Vietnam
|
-832,575
|
0
|
0
|
|
|
|
- Increase/(Decrease) in placements and borrowings from other credit institutions
|
-2,174,837
|
15,251,012
|
21,968,948
|
6,709,971
|
27,473,280
|
|
- Increase/(Decrease) in deposits from customers
|
37,494,415
|
28,003,451
|
23,215,795
|
26,559,050
|
36,453,326
|
|
- Increase/(Decrease) in valuapapers issued
|
7,002,417
|
11,404,016
|
13,739,319
|
-10,523,364
|
-7,877,882
|
|
- Increase/Decrease in trusted funds which the bank has to incur credit risk
|
-9,116
|
-614
|
-1,440
|
-556
|
-1,162
|
|
- Increase/(Decrease) in derivatives and funds received from other institutions
|
-18,045
|
-2,426
|
63,933
|
-63,933
|
|
|
- Increase/(Decrease) in other operating liabilities
|
-63,338
|
154,148
|
-295,592
|
240,313
|
5,160,845
|
|
- Cash paid from funds of credit institution
|
|
0
|
0
|
|
|
|
Net cash flows from operating activities
|
12,298,574
|
5,903,715
|
9,634,418
|
1,917,735
|
29,818,228
|
|
II. Cash flows from investment activities
|
|
|
|
|
|
|
- Money decrease due to selling sub-company
|
|
0
|
0
|
|
|
|
- Purchase of fixed assets
|
-97,210
|
-132,197
|
-326,118
|
-240,720
|
-223,134
|
|
- Proceeds from disposal of fix assets
|
4,564
|
58
|
0
|
2,042
|
2,388
|
|
- Payment on disposal of fixed assets
|
|
0
|
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
|
0
|
|
|
|
- Proceeds from disinvestment in other entities
|
|
0
|
2,890
|
|
|
|
- Dividends and interest received
|
1,766
|
1,941
|
1,766
|
2,895
|
3,345
|
|
Net cash flows from investment activities
|
-90,880
|
-130,198
|
-321,462
|
-235,783
|
-217,401
|
|
III. Cash flows from financing activities
|
|
|
|
|
|
|
- Proceeds from share issuances
|
|
0
|
130
|
|
|
|
- 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
|
-430,531
|
0
|
0
|
|
-3,161,510
|
|
- Purchase treasury shares
|
|
0
|
0
|
|
|
|
- Proceeds from reissue of treasury shares
|
120
|
0
|
0
|
60
|
93
|
|
Net cash flows from financing activities
|
-430,411
|
0
|
130
|
60
|
-3,161,417
|
|
IV. Net cash flows of the year
|
11,777,283
|
5,773,517
|
9,313,086
|
1,682,012
|
26,439,410
|
|
V. Cash and cash equivalents at the beginning of year
|
11,295,689
|
23,072,972
|
28,846,489
|
38,159,575
|
39,841,587
|
|
VI. Effect of foreign exchange differences
|
|
0
|
0
|
|
|
|
VII. Cash and cash equivalents at the end of year
|
23,072,972
|
28,846,489
|
38,159,575
|
39,841,587
|
66,280,997
|
