TPB

Ngân hàng TMCP Tiên Phong ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 95.5%, +6.1 pp QoQ

Price

15,600

Latest close

02 Jun 2026

P/B 0.9x

ROAE (TTM) 16.8%

NIM (TTM) 3.1%

ROAA (TTM) 1.6%

LDR 95.5%

Bank Picture

TPB bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    95.5%
	                                
+6.1 pp QoQ

	                            
	                                Market funding share
	                            
	                                    42.1%
	                                
+4.1 pp QoQ

	                            
	                                Funding cost
	                            
	                                    4.60%
	                                
+0.8 pp YoY

Metric	2025	2024
Net Interest Income	13.371,2	12.906,7
NIM	3,04%	3,23%
Net Fee Income	4.157,8	3.363,6
Provision Expense	3.190,3	4.159,2
Net Profit After Tax	7.402,0	6.071,6

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	3.459,6	3.595,1	3.237,6	3.151,3	3.383,6	3.068,1	3.173,8	3.236,8	3.427,4
NII Growth YoY	+2%	+17%	+2%	−3%	−1%	—	—	—	—
NIM	3,12%	3,04%	3,22%	3,42%	3,68%	3,55%	—	—	—
Net Fee Income	1.252,4	1.224,1	1.035,0	988,8	909,9	908,8	794,5	945,2	715,1
Provision Expense	547,0	977,6	909,3	824,7	489,6	1.191,0	838,3	949,1	1.180,8
Net Profit After Tax	1.682,2	2.542,8	1.520,6	1.629,6	1.686,7	1.705,2	1.383,0	1.522,7	1.462,8
Net Income Growth YoY	−0%	+49%	+10%	+7%	+15%	—	—	—	—

Drivers of TPB's profit

TTM

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

Net fee income +VND 941.8bn

Net interest income +VND 581.3bn

FX & gold trading +VND 463.5bn

Provision for credit losses −VND 209.5bn

Other income +VND 152.5bn

Investment securities −VND 530.3bn

TTM

Net profit attributable to parent declined vs prior quarter, mainly due to higher operating expenses. Supporting and offsetting drivers:

Net fee income +VND 342.5bn

Other income +VND 165.4bn

Net interest income +VND 76.0bn

Investment securities +VND 13.0bn

Operating expenses +VND 362.6bn

Trading securities −VND 168.0bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Direct credit reading is still incomplete, but funding balance has tightened with LDR rising to 95.5%.

Reserve buffer on gross loans is around 1.26%. LDR stands at 95.5%.

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

Key signals

Credit cost 0.76% +0.0pp

Reserve / Gross loans 1.26% +0.1pp

LDR 95.5% +6.1pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread is under pressure from funding costs, with funding cost at 4.60%.

In the period, NIM reached 3.12%, −0.6pp YoY; asset yield was 7.72%, +0.2pp; while funding cost was 4.60%, +0.8pp. 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 4.60%, pressuring net interest margin.

Key signals

NIM 3.12% −0.6pp

Asset yield 7.72% +0.2pp

Funding cost 4.60% +0.8pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix looks more balanced thanks to fee income, now at 23.2% of total operating income.

Nii accounts for 69.3% of toi, fee income is 23.2% of toi, other income is 3.2% of toi, cir stands at 35.8%, net profit equals 38.0% of toi.

Watchpoints

Fee income is helping diversify the earnings mix

Fee income share is improving clearly enough to make the earnings mix less dependent on net interest income.

Key signals

NII / TOI 69.3% −1.6pp

Fee / TOI 23.2% +1.1pp

Other income / TOI 3.2% +0.8pp

CIR 35.8% +0.9pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Funding structure is leaning more toward market sources, with market funding up to 42.1% while customer funding share has softened.

Ldr stands at 95.5%, equity equals 9.1% of assets, customer funding accounts for 57.9% of interest-bearing funding, market funding accounts for 42.1%.

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.

Market funding dependence is high

Market funding now accounts for 42.1% of interest-bearing funding.

Key signals

LDR 95.5% +6.1pp

Equity / Assets 9.1% +0.0pp

Customer funding 57.9% −4.1pp

Market funding 42.1% +4.1pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability currently looks balanced, with ROAA at 1.61% and ROAE at 16.85%.

Net income on average earning assets is 1.71%, nim stands at 3.12%, credit cost is 0.76%, cir stands at 35.8%, average leverage is around 10.47 times.

Key signals

ROAA 1.61% +0.0pp

ROAE 16.85% −0.8pp

NI / Avg EA 1.71% +0.0pp

Quarterly provision VND 547bn −44.0% QoQ

2026Q1

Investment Takeaway

TPB 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	30,750.6	25,948.6
Interest Expense and Similar Expenses	17,379.4	13,042.0
Net Interest Income	13,371.2	12,906.7
Fee and Commission Income	5,518.9	4,386.3
Fee and Commission Expenses	1,361.2	1,022.7
Net Fee and Commission Income	4,157.8	3,363.6
Net Gain/(Loss) from Foreign Currencies and Gold Trading	694.0	318.9
Net Gain/(Loss) from Trading Securities	3.2	0.2
Net Gain/(Loss) from Investment Securities	178.6	1,094.9
Other Income	1,139.0	1,229.2
Other Expenses	676.9	875.3
Net Other Income	462.1	353.9
Income from Capital Contribution and Long-term Investments	128.0	0.0
Operating Expenses	6,573.4	6,278.9
Operating Profit before Provision for Credit Losses	12,421.4	11,759.4
Provision for Credit Losses	3,190.3	4,159.2
Profit Before Tax	9,231.1	7,600.2
Current Corporate Income Tax Expense	1,829.1	1,528.6
Corporate Income Tax	1,829.1	1,528.6
Net Profit After Tax	7,402.0	6,071.6
Minority Interest	0.0	—
Net Profit Attributable to the Equity Holders of the Bank	7,402.0	6,071.6
Earnings per Share	2,668.00	2,298.00

Item	2025	2024
Cash, Gold and Precious Stones	1,704.7	1,292.7
Balances with the State Bank of Vietnam	20,459.7	22,708.4
Placements at and Loans to Other Credit Institutions	103,388.4	70,520.7
Placements at Other Credit Institutions	94,871.4	62,182.5
Loans to Other Credit Institutions	8,517.1	8,338.2
Trading Securities	2,119.5	0.0
Trading Securities (Gross)	2,119.5	0.0
Provision for Diminution in Value of Trading Securities	-0.1	—
Derivatives and Other Financial Assets	333.7	—
Loans, Advances and Finance Leases to Customers	302,186.4	247,238.9
Loans, Advances and Finance Leases to Customers (Gross)	305,816.6	250,331.4
Provision for Losses on Loans, Advances and Finance Leases to Customers	-3,630.2	-3,092.5
Debt Purchased	1,096.9	766.7
Debt Purchased (Gross)	1,105.2	772.5
Provision for Debt Purchased	-8.3	-5.8
Investment Securities	51,613.2	59,472.0
Available-for-sale Securities	52,051.0	59,549.4
Held-to-maturity Securities	—	44.7
Provision for Diminution in Value of Investment Securities	-437.9	-122.0
Fixed Assets	1,212.7	1,221.9
Tangible Fixed Assets	748.9	856.7
Tangible Fixed Assets Cost	2,257.2	2,134.1
Accumulated Depreciation of Tangible Fixed Assets	-1,508.3	-1,277.4
Intangible Fixed Assets	463.8	365.2
Intangible Fixed Assets Cost	1,203.9	1,027.7
Accumulated Depreciation of Intangible Fixed Assets	-740.0	-662.6
Other Assets	21,786.4	14,807.1
Accounts Receivables	12,096.3	7,033.6
Interest and Fee Receivables	4,021.0	3,285.0
Other Assets (Miscellaneous)	5,687.2	4,518.4
Provision for Risks in Other Assets	-18.1	-29.9
Total Assets	505,901.6	418,028.4
Due to Government and Borrowings from the State Bank of Vietnam	1,641.6	238.3
Placements and Borrowings from Other Credit Institutions	112,055.3	94,513.8
Placements from Other Credit Institutions	74,215.8	76,597.8
Borrowings from Other Credit Institutions	37,839.5	17,916.0
Deposits from Customers	279,050.3	242,805.8
Derivatives and Other Financial Liabilities	—	131.3
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	140.5	93.6
Valuable Papers Issued	58,825.0	36,632.2
Other Liabilities	8,140.1	6,018.9
Interest and Fee Payables	5,113.3	3,519.8
Other Liabilities (Miscellaneous)	3,022.8	2,499.2
Total Liabilities	459,852.8	380,433.9
Capital and Reserves	46,048.8	37,594.5
Capital	27,740.5	26,419.6
Charter Capital	27,740.5	26,419.6
Reserves	4,936.0	3,721.9
Undistributed Earnings after Tax/Accumulated Loss	9,629.5	7,452.9
Minority Interest	3,742.8	0.1
Total Liabilities and Equity	505,901.6	418,028.4

Item	2025	2024
Receipts from Interest and Similar Income	30,192.7	26,306.2
Payments for Interest and Similar Expenses	-15,993.7	-14,281.8
Receipts from Fee and Commission Income	4,157.8	3,363.6
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	1,234.1	1,441.7
Receipts from Other Income	-131.9	-315.8
Receipts from Collection of Written-off Debts	594.5	669.5
Payments for Staff Costs and Operating Expenses	-6,486.9	-5,919.8
Corporate Income Tax Paid	-1,552.0	-1,199.4
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	12,014.6	10,064.3
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-173.9	10,090.7
(Increase)/Decrease in Trading Securities and Investment Securities	4,190.9	5,842.2
(Increase)/Decrease in Derivatives and Other Financial Assets	-333.7	—
(Increase)/Decrease in Loans and Advances to Customers	-49,342.2	-40,406.8
(Decrease)/Increase in Provisions for Damages	-2,679.9	-3,797.7
(Increase)/Decrease in Other Operating Assets	-3,542.7	-1,836.9
Increase/(Decrease) in Due to Government and Borrowings from State Bank	1,403.4	-100.2
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	14,592.0	15,243.3
Increase/(Decrease) in Deposits from Customers	36,244.5	34,544.2
Increase/(Decrease) in Valuable Papers Issued	13,850.0	10,551.4
Increase/(Decrease) in Funds Received from Government and Institutions	46.9	19.3
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-131.3	65.2
Increase/(Decrease) in Other Operating Liabilities	39.2	64.1
Net Cash Flows from Operating Activities	26,177.7	40,343.3
Purchase of Fixed Assets	-384.4	-377.7
Receipts from Disposal of Fixed Assets	0.2	0.3
Payments for Investment in Other Entities	—	-22.4
Dividends and Profit Received	0.2	—
Net Cash Flows from Investing Activities	2,048.1	-399.9
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	13,241.0	3,446.4
Dividends Paid and Profits Distributed to Owners	-2,642.0	-1,100.8
Net Cash Flows from Financing Activities	1,372.8	763.7
Net Cash Flows during the Period	29,598.7	40,707.0
Cash and Cash Equivalents at Beginning of the Period	86,148.6	45,441.6
Cash and Cash Equivalents at End of the Period	115,747.3	86,148.6

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	9,308.1	8,830.3	7,731.8	7,383.3	6,801.7	6,858.7	6,323.5	6,232.9	6,533.5
Interest Expense and Similar Expenses	5,848.5	5,235.2	4,494.2	4,232.0	3,418.1	3,790.6	3,149.7	2,996.1	3,106.1
Net Interest Income	3,459.6	3,595.1	3,237.6	3,151.3	3,383.6	3,068.1	3,173.8	3,236.8	3,427.4
Fee and Commission Income	1,624.2	1,627.6	1,375.8	1,340.0	1,175.6	1,184.4	1,061.5	1,193.6	946.8
Fee and Commission Expenses	371.8	403.5	340.8	351.3	265.6	275.5	267.1	248.4	231.7
Net Fee and Commission Income	1,252.4	1,224.1	1,035.0	988.8	909.9	908.8	794.5	945.2	715.1
Net Gain/(Loss) from Foreign Currencies and Gold Trading	-29.4	388.2	-45.7	368.8	-17.3	282.0	-47.0	0.7	83.2
Net Gain/(Loss) from Trading Securities	-168.4	-10.0	0.1	0.1	-0.5	—	-0.5	-0.1	0.7
Net Gain/(Loss) from Investment Securities	115.0	7.7	68.6	0.2	102.1	724.9	-60.5	-44.6	475.2
Other Income	360.3	359.2	339.6	213.0	227.2	394.4	293.9	318.3	222.6
Other Expenses	90.3	337.3	110.5	106.5	122.6	257.2	158.9	220.2	239.1
Net Other Income	270.0	21.9	229.1	106.5	104.7	137.3	135.0	98.1	-16.4
Income from Capital Contribution and Long-term Investments	0.1	127.5	0.4	0.1	—	—	—	0.0	—
Operating Expenses	2,246.6	1,221.9	1,713.9	1,753.6	1,884.0	1,793.7	1,426.4	1,383.0	1,675.8
Operating Profit before Provision for Credit Losses	2,652.8	4,132.6	2,811.1	2,862.1	2,598.5	3,327.4	2,568.9	2,853.1	3,009.4
Provision for Credit Losses	547.0	977.6	909.3	824.7	489.6	1,191.0	838.3	949.1	1,180.8
Profit Before Tax	2,105.8	3,155.0	1,901.9	2,037.4	2,108.9	2,136.5	1,730.6	1,904.0	1,828.6
Current Corporate Income Tax Expense	475.4	617.9	381.2	407.8	422.2	431.3	347.6	381.3	365.8
Deferred Income Tax Expense	-51.8	-5.6	—	—	—	—	—	—	—
Corporate Income Tax	423.6	612.3	381.2	407.8	422.2	431.3	347.6	381.3	365.8
Net Profit After Tax	1,682.2	2,542.8	1,520.6	1,629.6	1,686.7	1,705.2	1,383.0	1,522.7	1,462.8
Minority Interest	16.5	0.0	—	—	-0.0	0.0	-0.0	-0.0	—
Net Profit Attributable to the Equity Holders of the Bank	1,665.7	2,542.8	1,520.6	1,629.6	1,686.7	1,705.2	1,383.0	1,522.7	1,462.8
Earnings per Share	600.00	—	—	—	—	—	—	—	—

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	2,592.7	1,704.7	1,560.1	1,551.6	1,698.9	1,292.7	1,692.8	1,455.1	1,789.4
Balances with the State Bank of Vietnam	10,068.3	20,459.7	20,659.0	10,000.6	16,631.3	22,708.4	13,214.5	8,928.7	11,378.1
Placements at and Loans to Other Credit Institutions	109,316.9	103,388.4	65,344.2	59,990.1	35,189.7	70,520.7	54,515.8	55,159.4	56,447.3
Placements at Other Credit Institutions	97,231.0	94,871.4	64,423.4	55,756.2	26,465.7	62,182.5	42,047.1	40,507.0	41,430.3
Loans to Other Credit Institutions	12,085.9	8,517.1	920.8	4,233.9	8,724.0	8,338.2	12,468.7	14,652.4	15,017.1
Trading Securities	1,482.1	2,098.3	57.3	8.8	10.9	0.0	0.0	4.6	3.9
Trading Securities (Gross)	1,670.6	2,111.8	58.2	9.5	11.4	0.0	0.0	4.6	3.9
Provision for Diminution in Value of Trading Securities	-188.5	-13.6	-0.9	-0.7	-0.5	—	—	—	—
Derivatives and Other Financial Assets	171.4	333.7	112.7	171.5	55.9	—	—	—	—
Loans, Advances and Finance Leases to Customers	312,044.8	302,175.4	292,020.1	281,188.7	259,070.5	247,238.9	231,562.4	210,529.9	198,128.0
Loans, Advances and Finance Leases to Customers (Gross)	316,042.2	305,816.6	296,054.9	284,849.4	262,477.2	250,331.4	234,722.1	213,432.3	200,829.5
Provision for Losses on Loans, Advances and Finance Leases to Customers	-3,997.4	-3,641.2	-4,034.8	-3,660.7	-3,406.8	-3,092.5	-3,159.7	-2,902.4	-2,701.5
Debt Purchased	1,089.9	1,096.9	628.0	669.9	679.2	766.7	780.6	793.4	805.0
Debt Purchased (Gross)	1,098.2	1,105.2	632.8	674.9	684.3	772.5	786.5	799.4	811.1
Provision for Debt Purchased	-8.2	-8.3	-4.7	-5.1	-5.1	-5.8	-5.9	-6.0	-6.1
Investment Securities	57,531.2	51,613.2	57,166.2	60,147.1	59,909.1	59,472.0	63,892.6	60,865.0	62,151.6
Available-for-sale Securities	57,897.1	52,051.0	57,216.2	60,206.7	59,971.4	59,549.4	63,959.2	60,911.5	62,199.4
Held-to-maturity Securities	—	—	44.7	44.7	44.7	44.7	44.7	44.7	44.7
Provision for Diminution in Value of Investment Securities	-365.9	-437.9	-94.7	-104.3	-107.0	-122.0	-111.3	-91.2	-92.5
Capital Contribution and Other Long-term Investments	13.2	—	—	—	—	—	—	—	—
Other Long-term Investments	13.2	—	—	—	—	—	—	—	—
Fixed Assets	1,627.1	1,212.7	1,253.4	1,189.5	1,172.6	1,221.9	1,091.5	1,060.0	998.7
Tangible Fixed Assets	725.0	748.9	796.9	856.4	819.9	856.7	720.7	763.4	685.6
Tangible Fixed Assets Cost	2,281.4	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-1,556.4	—	—	—	—	—	—	—	—
Intangible Fixed Assets	902.1	463.8	456.5	333.0	352.8	365.2	370.7	296.6	313.1
Intangible Fixed Assets Cost	1,669.8	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-767.7	—	—	—	—	—	—	—	—
Other Assets	31,231.7	21,788.6	13,092.2	13,672.2	14,473.1	14,807.1	18,602.0	22,758.9	24,168.4
Accounts Receivables	20,435.8	12,096.3	3,256.3	3,425.0	5,117.4	7,033.6	10,373.7	14,665.9	16,107.0
Interest and Fee Receivables	4,915.2	4,017.5	4,233.7	4,663.8	3,773.0	3,285.0	3,723.1	3,586.3	3,554.5
Deferred Income Tax Assets	185.3	5.6	—	—	—	—	—	—	—
Other Assets (Miscellaneous)	5,713.5	5,687.2	5,602.3	5,583.4	5,590.9	4,518.4	4,505.3	4,506.7	4,597.0
Provision for Risks in Other Assets	-18.1	-18.1	-0.0	-0.0	-8.2	-29.9	-0.0	-0.0	-90.0
Total Assets	527,169.4	505,871.6	451,893.2	428,590.0	388,891.2	418,028.4	385,352.2	361,555.0	355,870.5
Due to Government and Borrowings from the State Bank of Vietnam	8,569.8	1,641.6	262.5	6,212.1	5,336.9	238.3	1,167.0	1,726.6	340.8
Placements and Borrowings from Other Credit Institutions	134,159.8	112,055.3	99,689.6	86,542.1	65,987.4	94,513.8	80,926.0	78,591.6	92,480.9
Placements from Other Credit Institutions	103,612.5	74,215.8	73,030.9	55,969.8	43,029.8	76,597.8	70,603.2	59,481.9	66,911.9
Borrowings from Other Credit Institutions	30,547.3	37,839.5	26,658.7	30,572.3	22,957.6	17,916.0	10,322.7	19,109.7	25,568.9
Deposits from Customers	267,038.2	279,050.3	260,245.8	246,844.3	233,114.6	242,805.8	224,821.0	202,997.1	190,827.4
Derivatives and Other Financial Liabilities	—	—	—	—	—	131.3	154.5	404.0	268.3
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	150.8	140.5	126.6	118.5	103.6	93.6	86.5	81.7	75.6
Valuable Papers Issued	59,646.2	58,825.0	44,305.8	43,958.6	38,602.2	36,632.7	36,284.5	36,013.3	31,811.4
Other Liabilities	9,570.3	8,140.1	7,269.7	6,684.4	6,254.8	6,016.5	5,601.7	6,131.6	5,876.0
Interest and Fee Payables	6,908.3	5,113.3	5,104.3	4,800.1	4,639.9	3,519.8	3,585.2	3,633.2	4,209.4
Other Liabilities (Miscellaneous)	2,565.6	3,022.8	2,165.4	1,884.3	1,614.9	2,496.7	2,016.5	2,498.4	1,666.6
Total Liabilities	479,135.1	459,852.8	411,900.0	390,360.1	349,399.6	380,432.0	349,041.2	325,945.8	321,680.3
Capital and Reserves	48,034.3	46,018.8	39,993.2	38,229.9	39,491.6	37,596.4	36,311.1	35,609.2	34,190.2
Capital	27,740.5	27,740.5	26,419.6	26,419.6	26,419.6	26,419.6	22,016.3	22,016.3	22,016.3
Charter Capital	27,740.5	27,740.5	26,419.6	26,419.6	26,419.6	26,419.6	22,016.3	22,016.3	22,016.3
Reserves	4,936.0	4,936.0	4,936.0	4,936.0	3,721.9	3,721.9	3,721.9	3,721.9	3,052.4
Foreign Exchange Differences	373.1	—	252.2	—	210.4	—	419.9	—	6.9
Undistributed Earnings after Tax/Accumulated Loss	11,305.8	9,607.2	8,385.3	6,874.2	9,139.6	7,454.9	10,152.9	0.1	9,114.5
Minority Interest	3,678.9	3,735.1	0.1	0.1	0.1	0.1	0.1	—	0.2
Total Liabilities and Equity	527,169.4	505,871.6	451,893.2	428,590.0	388,891.2	418,028.4	385,352.2	361,555.0	355,870.5

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	8,471.4	9,226.8	8,181.3	6,497.8	6,286.8	7,234.3	6,151.5	6,083.4	6,837.1
Payments for Interest and Similar Expenses	-4,023.6	-5,425.2	-4,181.7	-4,075.1	-2,311.6	-3,842.9	-3,180.8	-3,480.1	-3,778.0
Receipts from Fee and Commission Income	1,252.4	1,224.1	1,035.0	988.8	909.9	908.8	794.5	945.2	715.1
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	-55.2	773.3	-14.1	364.7	110.4	1,067.6	-70.0	-19.3	463.5
Receipts from Other Income	32.6	-151.0	41.3	-7.1	-15.1	-88.8	-23.1	-99.5	-104.5
Receipts from Collection of Written-off Debts	237.5	173.5	187.6	113.7	119.7	225.9	158.1	197.6	87.9
Payments for Staff Costs and Operating Expenses	-2,144.7	-1,275.7	-1,494.0	-1,629.1	-2,088.0	-1,618.9	-1,278.5	-1,250.4	-1,771.9
Corporate Income Tax Paid	-1,376.0	-10.0	-200.0	-200.0	-1,142.0	-70.6	-100.0	-316.1	-712.7
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	2,394.2	4,535.7	3,555.4	2,053.5	1,870.1	3,815.4	2,451.6	2,060.8	1,736.6
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-3,619.0	-7,596.3	3,313.1	4,475.1	-365.8	4,115.5	2,163.7	374.6	3,436.8
(Increase)/Decrease in Trading Securities and Investment Securities	-6,579.7	1,915.9	2,941.8	-233.4	-433.4	4,409.9	-3,042.6	1,286.7	3,188.3
(Increase)/Decrease in Derivatives and Other Financial Assets	162.3	-221.1	58.9	-115.7	-55.9	—	—	—	—
(Increase)/Decrease in Loans and Advances to Customers	-9,472.3	-9,067.3	-10,127.7	-21,371.2	-8,776.1	-10,755.8	-20,774.2	-12,591.1	3,714.3
(Decrease)/Increase in Provisions for Damages	-179.8	-1,367.7	-535.4	-579.1	-197.7	-1,228.4	-581.1	-838.3	-1,149.9
(Increase)/Decrease in Other Operating Assets	-7,741.4	-2,120.7	16.3	549.1	-1,987.3	-698.0	1,524.5	-2,067.9	-595.5
Increase/(Decrease) in Due to Government and Borrowings from State Bank	6,928.1	1,379.1	-5,949.5	875.2	5,098.6	-928.7	-559.6	1,385.8	2.4
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	21,358.3	10,745.0	12,079.5	20,677.2	-28,909.7	12,698.3	4,515.5	-10,307.6	8,337.2
Increase/(Decrease) in Deposits from Customers	-12,012.1	18,804.5	13,401.5	13,729.7	-9,691.1	17,984.8	21,823.9	12,169.8	-17,434.2
Increase/(Decrease) in Valuable Papers Issued	990.0	11,150.0	-1,000.0	1,700.0	2,000.0	100.0	-1,149.8	4,001.1	7,600.1
Increase/(Decrease) in Funds Received from Government and Institutions	10.3	13.9	8.1	14.9	10.0	7.1	4.9	6.1	1.3
Increase/(Decrease) in Derivatives and Other Financial Liabilities	—	0.0	0.0	0.0	-131.3	-23.1	-249.5	135.6	202.2
Increase/(Decrease) in Other Operating Liabilities	481.0	-34.8	0.1	-19.4	93.2	34.2	-791.9	622.9	199.0
Net Cash Flows from Operating Activities	-7,280.0	28,136.3	17,762.0	21,755.9	-41,476.4	29,531.0	5,335.2	-3,761.4	9,238.4
Purchase of Fixed Assets	-81.8	-222.4	-27.9	-62.4	-71.8	-144.8	-31.7	-129.6	-71.7
Receipts from Disposal of Fixed Assets	—	0.0	0.2	0.0	0.0	0.1	0.0	0.1	—
Payments for Disposal of Fixed Assets	—	—	—	—	—	—	—	—	-0.0
Payments for Investment in Other Entities	-13.2	—	—	—	—	0.0	0.0	-0.0	-22.4
Dividends and Profit Received	0.1	-0.3	0.4	0.1	—	—	—	—	—
Net Cash Flows from Investing Activities	-94.9	2,209.6	-27.3	-62.4	-71.8	-144.6	-31.7	-129.5	-94.1
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	—	5,567.0	2,936.8	4,737.2	—	1,767.8	1,477.8	200.8	—
Dividends Paid and Profits Distributed to Owners	—	0.0	0.0	-2,642.0	—	0.0	-1,100.8	—	—
Net Cash Flows from Financing Activities	-192.1	-958.8	1,347.2	1,014.4	-30.0	247.7	320.2	200.8	-5.0
Net Cash Flows during the Period	-7,567.0	29,387.0	19,081.9	22,707.9	-41,578.2	29,634.1	5,623.7	-3,690.1	9,139.3
Cash and Cash Equivalents at Beginning of the Period	115,747.3	86,612.5	67,278.4	44,780.9	86,148.6	56,934.4	50,890.8	54,587.8	45,441.6
Exchange Difference due to Re-valuation of Ending Balances	373.1	—	252.2	—	210.4	—	419.9	—	6.9
Cash and Cash Equivalents at End of the Period	108,553.4	115,747.3	86,612.5	67,278.4	44,780.9	86,148.6	56,934.4	50,890.8	54,587.8

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