EVF

Tài chính Tổng hợp Cổ phần Điện lực ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 137.1%, +3.0 pp QoQ

Price

13,150

Latest close

05 Jun 2026

P/B 1.0x

ROAE (TTM) 9.5%

NIM (TTM) 3.0%

ROAA (TTM) 1.3%

LDR 137.1%

Bank Picture

EVF bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    137.1%
	                                
+3.0 pp QoQ

	                            
	                                Market funding share
	                            
	                                    84.2%
	                                
+7.5 pp QoQ

	                            
	                                Funding cost
	                            
	                                    6.21%
	                                
+0.4 pp YoY

Metric	2025	2024
Net Interest Income	1.891,7	1.444,3
NIM	2,91%	2,66%
Net Fee Income	47,7	40,3
Provision Expense	828,8	645,3
Net Profit After Tax	894,3	560,8

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	452,3	458,3	621,6	383,0	428,8	292,3	391,3	385,3	375,5
NII Growth YoY	+5%	+57%	+59%	−1%	+14%	—	—	—	—
NIM	3,00%	2,91%	3,08%	2,67%	3,04%	2,93%	—	—	—
Net Fee Income	5,3	−7,2	30,6	17,5	6,7	−13,3	8,7	21,6	23,3
Provision Expense	103,4	187,0	350,7	224,1	67,1	112,3	37,8	345,0	150,2
Net Profit After Tax	266,6	158,1	253,8	241,9	240,5	131,0	180,8	117,9	131,1
Net Income Growth YoY	+11%	+21%	+40%	+105%	+83%	—	—	—	—

Drivers of EVF's profit

TTM

Net profit attributable to parent increased vs last year, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 417.6bn

Investment securities +VND 292.0bn

Trading securities +VND 31.6bn

Net fee income +VND 22.5bn

Other income +VND 22.3bn

Provision for credit losses +VND 303.0bn

TTM

Net profit attributable to parent increased vs prior quarter, mainly helped by higher investment securities. Supporting and offsetting drivers:

Investment securities +VND 32.1bn

Trading securities +VND 28.2bn

Net interest income +VND 23.5bn

Other income +VND 6.0bn

Corporate income tax −VND 1.5bn

Provision for credit losses +VND 36.4bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Liquidity balance is tightening, with LDR up to 137.1% and near-term funding room looking thinner than last quarter.

Reserve buffer on gross loans is around 1.53%. LDR stands at 137.1%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Watchpoints

LDR is stretched

LDR stands at 137.1%, leaving less room on liquidity.

Key signals

Credit cost 1.36% +0.1pp

Reserve / Gross loans 1.53% +0.1pp

LDR 137.1% +3.0pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 6.21%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 3.00%, −0.0pp YoY; asset yield was 9.21%, +0.3pp; while funding cost was 6.21%, +0.4pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.

Watchpoints

Funding cost is elevated

Funding cost is 6.21%, pressuring net interest margin.

Key signals

NIM 3.00% −0.0pp

Asset yield 9.21% +0.3pp

Funding cost 6.21% +0.4pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix currently looks balanced.

Nii accounts for 84.2% of toi, fee income is 2.0% of toi, other income is 4.0% of toi, cir stands at 12.3%, net profit equals 40.5% of toi.

Watchpoints

Fee-income base is thin

Fee income currently contributes only 2.0% of total operating income.

Key signals

NII / TOI 84.2% −1.3pp

Fee / TOI 2.0% −0.1pp

Other income / TOI 4.0% +0.2pp

CIR 12.3% −0.3pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Liquidity balance is tightening, with LDR up to 137.1% and implying balance-sheet usage is running ahead of funding cushion.

Ldr stands at 137.1%, equity equals 12.4% of assets, customer funding accounts for 15.8% of interest-bearing funding, market funding accounts for 84.2%.

Watchpoints

Funding mix turning less comfortable

Market funding share is rising quarter over quarter, suggesting a less comfortable funding mix even if stress is not yet severe.

LDR is stretched

LDR stands at 137.1%, leaving less room on liquidity.

Key signals

LDR 137.1% +3.0pp

Equity / Assets 12.4% +0.5pp

Customer funding 15.8% −7.5pp

Market funding 84.2% +7.5pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability should be watched more closely, with ROAA at 1.29% and ROAE at 9.49%.

Net income on average earning assets is 1.44%, nim stands at 3.00%, credit cost is 1.36%, cir stands at 12.3%, average leverage is around 7.37 times.

Watchpoints

ROAE should be watched

ROAE currently stands at 9.49%.

Key signals

ROAA 1.29% +0.0pp

ROAE 9.49% +0.0pp

NI / Avg EA 1.44% +0.1pp

Quarterly provision VND 103bn −44.7% QoQ

2026Q1

Investment Takeaway

EVF bank investment takeaway — funding under pressure. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	5,502.0	4,276.8
Interest Expense and Similar Expenses	3,610.2	2,832.4
Net Interest Income	1,891.7	1,444.3
Fee and Commission Income	65.2	74.8
Fee and Commission Expenses	17.6	34.5
Net Fee and Commission Income	47.7	40.3
Net Gain/(Loss) from Foreign Currencies and Gold Trading	-49.2	-43.1
Net Gain/(Loss) from Trading Securities	19.4	15.2
Net Gain/(Loss) from Investment Securities	170.8	-49.7
Other Income	88.3	80.3
Other Expenses	2.2	0.6
Net Other Income	86.1	79.8
Income from Capital Contribution and Long-term Investments	47.2	15.4
Operating Expenses	280.5	153.0
Operating Profit before Provision for Credit Losses	1,933.0	1,349.1
Provision for Credit Losses	828.8	645.3
Profit Before Tax	1,104.2	703.8
Current Corporate Income Tax Expense	209.9	143.0
Corporate Income Tax	209.9	143.0
Net Profit After Tax	894.3	560.8
Net Profit Attributable to the Equity Holders of the Bank	894.3	560.8
Earnings per Share	1,123.00	704.00

Item	2025	2024
Cash, Gold and Precious Stones	7.1	4.4
Balances with the State Bank of Vietnam	416.5	497.2
Placements at and Loans to Other Credit Institutions	6,408.0	4,891.7
Placements at Other Credit Institutions	6,408.0	4,891.7
Trading Securities	6,039.1	714.2
Trading Securities (Gross)	6,048.4	714.2
Provision for Diminution in Value of Trading Securities	-9.3	—
Loans, Advances and Finance Leases to Customers	60,885.4	46,306.6
Loans, Advances and Finance Leases to Customers (Gross)	61,745.1	46,803.0
Provision for Losses on Loans, Advances and Finance Leases to Customers	-859.7	-496.3
Debt Purchased	1,973.1	—
Debt Purchased (Gross)	1,988.0	—
Provision for Debt Purchased	-14.9	—
Investment Securities	1,757.5	1,902.2
Available-for-sale Securities	1,795.9	2,082.2
Provision for Diminution in Value of Investment Securities	-38.4	-180.0
Capital Contribution and Other Long-term Investments	1,784.2	1,826.5
Other Long-term Investments	1,844.5	1,882.0
Provision for Diminution in Value of Long-term Investments	-60.3	-55.5
Fixed Assets	239.0	65.3
Tangible Fixed Assets	27.9	23.6
Tangible Fixed Assets Cost	107.9	107.5
Accumulated Depreciation of Tangible Fixed Assets	-80.0	-83.9
Intangible Fixed Assets	211.1	41.7
Intangible Fixed Assets Cost	277.2	99.1
Accumulated Depreciation of Intangible Fixed Assets	-66.1	-57.4
Other Assets	3,548.3	3,390.4
Accounts Receivables	1,372.8	1,958.7
Interest and Fee Receivables	2,106.0	1,422.6
Other Assets (Miscellaneous)	115.8	70.5
Provision for Risks in Other Assets	-46.4	-61.4
Total Assets	83,058.2	59,598.6
Placements and Borrowings from Other Credit Institutions	17,009.2	11,734.3
Placements from Other Credit Institutions	6,528.9	3,870.2
Borrowings from Other Credit Institutions	10,480.4	7,864.1
Deposits from Customers	14,552.4	10,210.7
Derivatives and Other Financial Liabilities	255.4	164.7
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	8,636.8	8,587.7
Valuable Papers Issued	30,842.0	18,556.0
Other Liabilities	1,886.1	1,338.0
Interest and Fee Payables	1,507.6	1,036.2
Other Liabilities (Miscellaneous)	378.5	301.8
Total Liabilities	73,181.9	50,591.4
Capital and Reserves	9,876.3	9,007.2
Capital	7,958.5	7,958.5
Charter Capital	7,605.7	7,605.7
Share Premium	350.6	350.6
Reserves	608.7	480.1
Undistributed Earnings after Tax/Accumulated Loss	1,309.0	568.5
Total Liabilities and Equity	83,058.2	59,598.6

Item	2025	2024
Receipts from Interest and Similar Income	4,816.5	4,535.0
Payments for Interest and Similar Expenses	-3,138.8	-3,006.7
Receipts from Fee and Commission Income	49.8	42.8
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	8.7	-2.3
Receipts from Other Income	-2.0	3.3
Receipts from Collection of Written-off Debts	88.0	76.3
Payments for Staff Costs and Operating Expenses	-256.3	-209.7
Corporate Income Tax Paid	-162.6	-81.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	1,403.1	1,357.5
(Increase)/Decrease in Trading Securities and Investment Securities	-5,047.9	-1,131.6
(Increase)/Decrease in Derivatives and Other Financial Assets	—	116.8
(Increase)/Decrease in Loans and Advances to Customers	-16,930.1	-13,249.6
(Decrease)/Increase in Provisions for Damages	-462.4	-609.6
(Increase)/Decrease in Other Operating Assets	554.2	-1,403.7
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	5,274.9	822.5
Increase/(Decrease) in Deposits from Customers	4,341.7	7,209.2
Increase/(Decrease) in Valuable Papers Issued	12,286.0	1,135.0
Increase/(Decrease) in Funds Received from Government and Institutions	49.1	571.3
Increase/(Decrease) in Derivatives and Other Financial Liabilities	90.7	164.7
Increase/(Decrease) in Other Operating Liabilities	-5.6	21.5
Payments from Reserves	-7.1	-6.6
Net Cash Flows from Operating Activities	1,546.4	-5,002.6
Purchase of Fixed Assets	-192.0	-4.9
Receipts from Disposal of Fixed Assets	0.1	0.1
Payments for Investment in Other Entities	-82.5	-1,207.5
Dividends and Profit Received	47.2	15.2
Net Cash Flows from Investing Activities	-107.3	-865.3
Dividends Paid and Profits Distributed to Owners	-0.8	-1.7
Net Cash Flows from Financing Activities	-0.8	-1.7
Net Cash Flows during the Period	1,438.3	-5,869.6
Cash and Cash Equivalents at Beginning of the Period	5,393.3	11,262.9
Cash and Cash Equivalents at End of the Period	6,831.6	5,393.3

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	1,593.7	1,475.4	1,515.9	1,286.9	1,223.8	1,011.0	1,088.9	1,052.3	1,124.5
Interest Expense and Similar Expenses	1,141.4	1,017.1	894.3	903.9	794.9	718.8	697.6	667.0	749.1
Net Interest Income	452.3	458.3	621.6	383.0	428.8	292.3	391.3	385.3	375.5
Fee and Commission Income	7.9	-1.7	33.6	23.6	9.7	10.6	10.7	27.3	26.2
Fee and Commission Expenses	2.6	5.5	3.0	6.1	2.9	23.9	2.0	5.7	2.9
Net Fee and Commission Income	5.3	-7.2	30.6	17.5	6.7	-13.3	8.7	21.6	23.3
Net Gain/(Loss) from Foreign Currencies and Gold Trading	-32.1	-50.8	17.4	-9.9	-6.0	0.2	-16.4	-7.2	-19.7
Net Gain/(Loss) from Trading Securities	29.5	5.8	2.9	9.5	1.3	5.1	2.9	6.7	0.5
Net Gain/(Loss) from Investment Securities	14.5	25.2	3.4	159.8	-17.6	-6.1	-29.2	-36.1	21.7
Other Income	17.6	62.1	9.7	5.1	11.5	40.1	4.4	14.1	21.8
Other Expenses	0.1	0.9	—	1.4	—	-0.0	0.2	—	0.3
Net Other Income	17.5	61.2	9.7	3.7	11.5	40.1	4.1	14.1	21.5
Income from Capital Contribution and Long-term Investments	0.5	5.6	22.8	17.5	1.3	8.9	0.9	5.4	0.2
Operating Expenses	53.7	111.5	51.1	64.5	53.4	48.3	98.0	-101.8	108.5
Operating Profit before Provision for Credit Losses	433.7	386.6	657.1	516.7	372.6	278.8	264.4	491.4	314.5
Provision for Credit Losses	103.4	187.0	350.7	224.1	67.1	112.3	37.8	345.0	150.2
Profit Before Tax	330.3	199.6	306.5	292.6	305.6	166.5	226.6	146.4	164.3
Current Corporate Income Tax Expense	63.6	41.5	52.7	50.6	65.1	35.5	45.8	28.5	33.2
Corporate Income Tax	63.6	41.5	52.7	50.6	65.1	35.5	45.8	28.5	33.2
Net Profit After Tax	266.6	158.1	253.8	241.9	240.5	131.0	180.8	117.9	131.1
Net Profit Attributable to the Equity Holders of the Bank	266.6	158.1	253.8	241.9	240.5	131.0	180.8	117.9	131.1
Earnings per Share	344.00	199.00	319.00	304.00	302.00	167.00	249.00	162.00	181.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	10.0	7.1	7.9	6.9	8.8	4.4	3.9	3.7	1.5
Balances with the State Bank of Vietnam	107.5	416.5	5.8	14.5	3.5	497.2	5.6	205.6	5.6
Placements at and Loans to Other Credit Institutions	9,728.8	6,408.0	10,167.7	10,566.9	7,576.2	4,891.7	6,615.7	6,472.7	11,766.9
Placements at Other Credit Institutions	9,728.8	6,408.0	10,167.7	10,566.9	7,328.9	4,891.7	6,369.8	5,972.7	11,616.9
Loans to Other Credit Institutions	—	—	—	—	247.3	—	245.9	500.0	150.0
Trading Securities	6,019.6	6,039.1	1,555.4	539.6	734.4	714.2	527.2	372.8	359.2
Trading Securities (Gross)	6,042.7	6,048.4	1,558.5	539.6	735.4	714.2	527.2	372.8	359.2
Provision for Diminution in Value of Trading Securities	-23.1	-9.3	-3.1	-0.0	-1.0	—	—	—	—
Derivatives and Other Financial Assets	—	—	—	—	—	—	—	39.4	302.9
Loans, Advances and Finance Leases to Customers	55,676.5	60,885.4	50,660.0	52,110.1	44,399.8	46,306.6	38,204.5	37,607.5	30,745.3
Loans, Advances and Finance Leases to Customers (Gross)	56,543.5	61,745.1	51,355.2	52,777.9	44,890.9	46,803.0	38,588.5	37,968.6	31,257.4
Provision for Losses on Loans, Advances and Finance Leases to Customers	-867.0	-859.7	-695.1	-667.8	-491.1	-496.3	-384.0	-361.0	-512.1
Debt Purchased	3,002.0	1,973.1	—	—	—	—	—	—	—
Debt Purchased (Gross)	3,024.7	1,988.0	—	—	—	—	—	—	—
Provision for Debt Purchased	-22.7	-14.9	—	—	—	—	—	—	—
Investment Securities	1,729.1	1,757.5	2,198.7	1,928.3	1,522.4	1,902.2	1,938.4	2,314.2	1,558.6
Available-for-sale Securities	1,767.5	1,795.9	2,390.5	2,120.1	1,720.0	2,082.2	2,109.9	2,444.5	1,650.5
Provision for Diminution in Value of Investment Securities	-38.4	-38.4	-191.8	-191.8	-197.5	-180.0	-171.5	-130.4	-91.9
Capital Contribution and Other Long-term Investments	1,784.2	1,784.2	1,778.0	1,778.7	1,826.5	1,826.5	1,835.9	1,835.9	1,008.0
Other Long-term Investments	1,844.5	1,844.5	1,832.0	1,832.0	1,882.0	1,882.0	1,883.9	1,883.9	1,030.8
Provision for Diminution in Value of Long-term Investments	-60.3	-60.3	-54.0	-53.2	-55.5	-55.5	-48.0	-48.0	-22.7
Fixed Assets	237.1	239.0	237.7	60.2	62.2	65.3	63.8	67.7	71.6
Tangible Fixed Assets	28.1	27.9	26.0	22.9	22.7	23.6	22.6	24.5	26.3
Tangible Fixed Assets Cost	109.8	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-81.7	—	—	—	—	—	—	—	—
Intangible Fixed Assets	209.0	211.1	211.7	37.4	39.5	41.7	41.2	43.2	45.3
Intangible Fixed Assets Cost	277.2	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-68.2	—	—	—	—	—	—	—	—
Other Assets	3,470.8	3,548.3	5,010.8	2,550.5	5,072.9	3,390.4	2,252.7	1,675.3	2,167.6
Accounts Receivables	1,110.1	1,372.8	3,451.1	1,406.2	3,401.2	1,958.7	940.6	268.7	369.0
Interest and Fee Receivables	2,301.1	2,106.0	1,552.5	1,140.9	1,667.6	1,422.6	1,318.7	1,409.3	1,974.6
Other Assets (Miscellaneous)	105.9	115.8	66.4	63.7	64.4	70.5	54.8	58.8	64.6
Provision for Risks in Other Assets	-46.4	-46.4	-59.3	-60.3	-60.3	-61.4	-61.4	-61.4	-240.5
Total Assets	81,765.6	83,058.2	71,622.2	69,555.8	61,206.7	59,598.6	51,447.7	50,594.7	47,987.3
Placements and Borrowings from Other Credit Institutions	20,229.2	17,009.2	13,958.5	11,544.2	10,694.8	11,734.3	10,835.3	9,314.8	8,506.7
Placements from Other Credit Institutions	6,128.0	6,528.9	7,400.0	5,463.0	2,501.3	3,870.2	5,175.3	3,200.1	3,196.7
Borrowings from Other Credit Institutions	14,101.2	10,480.4	6,558.5	6,081.2	8,193.5	7,864.1	5,660.0	6,114.7	5,310.0
Deposits from Customers	9,641.0	14,552.4	11,058.4	13,310.7	11,383.2	10,210.7	4,480.2	4,175.1	3,447.3
Derivatives and Other Financial Liabilities	187.4	255.4	21.8	122.3	193.0	164.7	119.0	—	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	8,469.6	8,636.8	7,391.2	7,659.8	7,784.1	8,587.7	7,311.9	7,973.2	7,821.4
Valuable Papers Issued	30,967.0	30,842.0	28,047.0	26,275.0	20,491.0	18,556.0	18,593.0	19,290.0	18,449.0
Other Liabilities	2,128.4	1,886.1	1,440.0	1,179.3	1,412.8	1,338.0	1,232.4	1,153.8	1,189.3
Interest and Fee Payables	1,796.7	1,507.6	1,120.8	906.3	1,070.2	1,036.2	881.6	968.5	1,025.6
Other Liabilities (Miscellaneous)	331.7	378.5	319.2	273.0	342.6	301.8	350.8	185.3	163.7
Total Liabilities	71,622.6	73,181.9	61,917.0	60,091.4	51,959.0	50,591.4	42,571.7	41,906.8	39,413.7
Capital and Reserves	10,142.9	9,876.3	9,705.2	9,464.4	9,247.7	9,007.2	8,876.0	8,687.9	8,573.6
Capital	7,958.5	7,958.5	7,958.5	7,958.5	7,958.5	7,958.5	7,395.4	7,395.4	7,395.4
Charter Capital	7,605.7	7,605.7	7,605.7	7,605.7	7,605.7	7,605.7	7,042.5	7,042.5	7,042.5
Share Premium	350.6	350.6	350.6	350.6	350.6	350.6	350.6	350.6	350.6
Reserves	608.7	608.7	564.3	564.3	480.1	480.1	480.1	480.1	480.1
Foreign Exchange Differences	—	—	-13.0	—	—	—	-0.2	-7.5	-3.9
Undistributed Earnings after Tax/Accumulated Loss	1,575.6	—	1,195.4	941.6	809.0	568.5	1,000.7	819.9	702.0
Minority Interest	—	1,309.0	—	—	—	—	—	—	—
Total Liabilities and Equity	81,765.6	83,058.2	71,622.2	69,555.8	61,206.7	59,598.6	51,447.7	50,594.7	47,987.3

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	1,391.3	928.3	1,096.8	1,820.8	970.7	914.4	1,170.9	1,625.7	823.9
Payments for Interest and Similar Expenses	-852.3	-630.3	-679.9	-1,067.8	-760.9	-564.2	-784.5	-724.1	-934.0
Receipts from Fee and Commission Income	12.5	-13.5	38.1	10.3	14.8	-20.7	17.3	13.6	32.6
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	25.6	-167.1	26.8	152.7	-3.8	7.7	-1.6	1.8	-10.2
Receipts from Other Income	-0.0	-0.7	-3.7	2.4	0.0	0.2	0.0	3.4	-0.3
Receipts from Collection of Written-off Debts	17.5	62.0	13.4	1.2	11.4	39.8	4.1	10.7	21.8
Payments for Staff Costs and Operating Expenses	-89.9	-83.1	-47.4	-61.2	-64.7	-64.4	-46.2	-48.0	-51.0
Corporate Income Tax Paid	-179.9	-10.0	-10.0	-10.0	-132.6	0.0	-5.0	-5.0	-71.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	324.9	85.6	434.1	848.5	34.9	312.8	355.0	878.0	-188.3
(Increase)/Decrease in Trading Securities and Investment Securities	34.1	-3,895.3	-1,289.3	-204.4	341.0	-159.3	180.3	-807.6	-345.0
(Increase)/Decrease in Derivatives and Other Financial Assets	—	—	—	—	—	0.0	39.4	263.5	-186.1
(Increase)/Decrease in Loans and Advances to Customers	4,164.9	-12,378.0	1,422.7	-7,887.0	1,912.1	-8,214.4	-620.0	-6,711.2	2,296.0
(Decrease)/Increase in Provisions for Damages	-88.4	-19.4	-323.3	-47.4	-72.3	0.0	-14.8	-496.1	-98.7
(Increase)/Decrease in Other Operating Assets	272.6	2,035.4	-2,046.8	2,000.5	-1,434.8	-1,034.7	-667.4	107.5	190.9
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	3,220.0	3,050.7	2,414.3	849.4	-1,039.5	899.0	1,520.5	808.1	-2,405.1
Increase/(Decrease) in Deposits from Customers	-4,911.4	3,494.0	-2,252.3	1,927.5	1,172.5	5,730.6	305.1	727.8	445.8
Increase/(Decrease) in Valuable Papers Issued	125.0	2,795.0	1,772.0	5,784.0	1,935.0	-37.0	-697.0	841.0	1,028.0
Increase/(Decrease) in Funds Received from Government and Institutions	-167.2	1,245.5	-268.5	-124.3	-803.6	1,275.8	-661.3	151.8	-195.0
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-68.0	233.6	-100.5	-70.7	28.3	45.7	119.0	—	—
Increase/(Decrease) in Other Operating Liabilities	113.5	2.3	5.1	-138.6	125.6	-57.9	78.6	-0.8	1.6
Payments from Reserves	-3.8	-0.3	-1.4	-2.5	-2.9	-0.7	-1.2	-0.8	-3.9
Net Cash Flows from Operating Activities	3,016.2	-3,350.9	-234.0	2,935.0	2,196.4	-1,240.2	-63.8	-4,238.8	540.3
Purchase of Fixed Assets	-1.9	-4.8	-182.4	-2.5	-2.3	-2.4	-0.5	-1.5	-0.5
Receipts from Disposal of Fixed Assets	—	0.0	0.0	0.1	—	0.1	—	—	—
Payments for Investment in Other Entities	—	-82.5	—	—	—	-329.8	0.0	-853.1	-24.6
Dividends and Profit Received	0.5	5.6	22.8	17.5	1.3	8.7	0.9	5.4	0.2
Net Cash Flows from Investing Activities	-1.5	-11.8	-159.6	65.1	-1.0	8.5	0.4	-849.2	-24.9
Dividends Paid and Profits Distributed to Owners	-0.1	-0.2	-0.2	-0.5	—	-0.3	-0.6	-0.4	-0.4
Net Cash Flows from Financing Activities	-0.1	-0.2	-0.2	-0.5	—	-0.3	-0.6	-0.4	-0.4
Net Cash Flows during the Period	3,014.6	-3,362.9	-393.8	2,999.6	2,195.4	-1,232.1	-64.0	-5,088.5	515.0
Cash and Cash Equivalents at Beginning of the Period	6,831.6	10,181.5	10,588.3	2,195.4	—	6,625.2	6,682.0	11,774.0	11,262.9
Exchange Difference due to Re-valuation of Ending Balances	—	—	-13.0	—	—	—	-0.2	-7.5	-3.9
Cash and Cash Equivalents at End of the Period	9,846.2	6,831.6	10,181.5	10,588.3	2,195.4	5,393.3	6,625.2	6,682.0	11,774.0

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