VIB

Ngân hàng TMCP Quốc tế Việt Nam ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 108.6%, -5.8 pp QoQ

Price

15,800

Latest close

02 Jun 2026

P/B 1.1x

ROAE (TTM) 16.4%

NIM (TTM) 3.2%

ROAA (TTM) 1.4%

LDR 108.6%

Bank Picture

VIB bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    108.6%
	                                
−5.8 pp QoQ

	                            
	                                Funding cost
	                            
	                                    4.23%
	                                
+0.5 pp YoY

Metric	2025	2024
Net Interest Income	16.092,2	16.750,4
NIM	3,14%	3,46%
Net Fee Income	2.105,3	1.765,5
Provision Expense	3.467,0	4.353,5
Net Profit After Tax	7.285,4	7.204,5

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	4.038,6	4.213,6	4.172,7	3.968,7	3.737,1	3.916,4	4.059,7	3.945,6	4.035,8
NII Growth YoY	+8%	+8%	+3%	+1%	−7%	—	—	—	—
NIM	3,17%	3,14%	3,25%	3,32%	3,52%	3,59%	—	—	—
Net Fee Income	1.989,5	833,0	493,5	401,0	377,7	653,8	409,2	741,7	753,7
Provision Expense	1.204,9	1.252,2	1.157,9	635,6	421,3	1.122,5	1.155,6	1.129,9	945,5
Net Profit After Tax	2.241,2	1.648,0	1.624,5	2.076,5	1.936,5	1.921,2	1.599,2	1.683,0	2.001,1
Net Income Growth YoY	+16%	−14%	+2%	+23%	−3%	—	—	—	—

Drivers of VIB'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 1,534.8bn

Net interest income +VND 734.8bn

Other income +VND 439.2bn

FX & gold trading −VND 949.6bn

Operating expenses +VND 429.5bn

Provision for credit losses +VND 421.3bn

TTM

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

Net fee income +VND 1,611.8bn

Net interest income +VND 301.5bn

Provision for credit losses +VND 783.6bn

FX & gold trading −VND 469.9bn

Investment securities −VND 159.6bn

Operating expenses +VND 93.7bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Credit reading still relies mainly on credit cost, and that signal has softened modestly: credit cost rose +0.1pp to 0.82%.

Reserve buffer on gross loans is around 1.27%. LDR stands at 108.6%.

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 108.6%, leaving less room on liquidity.

Key signals

Credit cost 0.82% +0.1pp

Reserve / Gross loans 1.27% −0.0pp

LDR 108.6% −5.8pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 4.23%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 3.17%, −0.4pp YoY; asset yield was 7.40%, +0.1pp; while funding cost was 4.23%, +0.5pp. 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 4.23%, pressuring net interest margin.

Key signals

NIM 3.17% −0.4pp

Asset yield 7.40% +0.1pp

Funding cost 4.23% +0.5pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings remain primarily core-led, with NII contributing around 77.1% of total operating income. More broadly, the revenue mix is becoming less anchored in core income, as the share of net interest income declines without a clear enough offset from fee income.

Nii accounts for 77.1% of toi, fee income is 17.5% of toi, other income is 8.7% of toi, cir stands at 35.4%, net profit equals 35.7% of toi.

Watchpoints

Income mix quality deteriorating

Net interest income share is declining while fee income does not offset enough or other income rises, making the revenue mix less anchored in core income.

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 77.1% −3.3pp

Fee / TOI 17.5% +7.0pp

Other income / TOI 8.7% −0.7pp

CIR 35.4% −1.8pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

LDR remains high at 108.6%, but liquidity pressure has at least eased somewhat versus last quarter.

Ldr stands at 108.6%, equity equals 8.7% of assets, customer funding accounts for 64.2% of interest-bearing funding, market funding accounts for 35.8%.

Watchpoints

LDR is stretched

LDR stands at 108.6%, leaving less room on liquidity.

Market funding dependence is high

Market funding now accounts for 35.8% of interest-bearing funding.

Key signals

LDR 108.6% −5.8pp

Equity / Assets 8.7% +0.3pp

Customer funding 64.2% +3.7pp

Market funding 35.8% −3.7pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability currently looks balanced, with ROAA at 1.43% and ROAE at 16.36%.

Net income on average earning assets is 1.47%, nim stands at 3.17%, credit cost is 0.82%, cir stands at 35.4%, average leverage is around 11.42 times.

Key signals

ROAA 1.43% +0.0pp

ROAE 16.36% −0.1pp

NI / Avg EA 1.47% +0.0pp

Quarterly provision VND 1,205bn −3.8% QoQ

2026Q1

Investment Takeaway

VIB 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	36,324.0	32,442.9
Interest Expense and Similar Expenses	20,231.8	15,692.5
Net Interest Income	16,092.2	16,750.4
Fee and Commission Income	4,200.8	3,202.9
Fee and Commission Expenses	2,095.4	1,437.5
Net Fee and Commission Income	2,105.3	1,765.5
Net Gain/(Loss) from Foreign Currencies and Gold Trading	-154.3	501.0
Net Gain/(Loss) from Investment Securities	79.8	248.0
Other Income	2,338.3	1,518.7
Other Expenses	457.4	218.2
Net Other Income	1,880.9	1,300.5
Income from Capital Contribution and Long-term Investments	2.7	3.7
Operating Expenses	7,435.0	7,211.3
Operating Profit before Provision for Credit Losses	12,571.6	13,357.8
Provision for Credit Losses	3,467.0	4,353.5
Profit Before Tax	9,104.6	9,004.3
Current Corporate Income Tax Expense	1,819.1	1,800.8
Deferred Income Tax Expense	0.0	-1.0
Corporate Income Tax	1,819.2	1,799.8
Net Profit After Tax	7,285.4	7,204.5
Net Profit Attributable to the Equity Holders of the Bank	7,285.4	7,204.5
Earnings per Share	2,140.00	2,385.00

Item	2025	2024
Cash, Gold and Precious Stones	3,552.6	1,639.4
Balances with the State Bank of Vietnam	8,998.1	9,909.1
Placements at and Loans to Other Credit Institutions	104,411.1	105,588.5
Placements at Other Credit Institutions	59,469.5	49,847.5
Loans to Other Credit Institutions	44,941.6	55,741.0
Derivatives and Other Financial Assets	—	821.9
Loans, Advances and Finance Leases to Customers	377,113.2	318,316.1
Loans, Advances and Finance Leases to Customers (Gross)	381,972.0	324,009.7
Provision for Losses on Loans, Advances and Finance Leases to Customers	-4,858.8	-5,693.6
Debt Purchased	4.3	8.8
Debt Purchased (Gross)	4.4	8.8
Provision for Debt Purchased	-0.0	-0.1
Investment Securities	51,149.5	50,344.3
Available-for-sale Securities	51,149.5	50,345.8
Held-to-maturity Securities	—	42.4
Provision for Diminution in Value of Investment Securities	—	-43.9
Capital Contribution and Other Long-term Investments	69.5	69.5
Other Long-term Investments	69.7	69.7
Provision for Diminution in Value of Long-term Investments	-0.2	-0.2
Fixed Assets	846.9	795.3
Tangible Fixed Assets	548.9	493.2
Tangible Fixed Assets Cost	1,260.8	1,252.5
Accumulated Depreciation of Tangible Fixed Assets	-711.9	-759.3
Intangible Fixed Assets	297.9	302.1
Intangible Fixed Assets Cost	843.5	777.0
Accumulated Depreciation of Intangible Fixed Assets	-545.6	-475.0
Investment Properties	2.2	2.4
Investment Properties Cost	3.5	3.5
Other Assets	9,951.1	5,663.3
Accounts Receivables	4,017.1	1,952.7
Interest and Fee Receivables	3,902.3	2,572.3
Deferred Income Tax Assets	1.0	1.0
Other Assets (Miscellaneous)	2,030.7	1,137.6
Provision for Risks in Other Assets	—	-0.2
Total Assets	556,098.4	493,158.4
Due to Government and Borrowings from the State Bank of Vietnam	10,980.8	18,586.9
Placements and Borrowings from Other Credit Institutions	157,509.0	123,200.6
Placements from Other Credit Institutions	117,968.3	94,513.7
Borrowings from Other Credit Institutions	39,540.7	28,686.8
Deposits from Customers	294,577.7	276,308.3
Derivatives and Other Financial Liabilities	105.6	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	3.3	5.4
Valuable Papers Issued	35,070.7	23,262.6
Other Liabilities	10,946.7	9,932.8
Interest and Fee Payables	4,298.8	3,382.8
Other Liabilities (Miscellaneous)	6,647.9	6,550.0
Total Liabilities	509,193.7	451,296.6
Capital and Reserves	46,904.7	41,861.8
Capital	34,042.0	29,793.0
Charter Capital	34,040.1	29,791.3
Share Premium	1.9	1.8
Reserves	5,346.7	4,333.3
Undistributed Earnings after Tax/Accumulated Loss	7,516.0	7,735.4
Total Liabilities and Equity	556,098.4	493,158.4

Item	2025	2024
Receipts from Interest and Similar Income	34,994.0	33,533.9
Payments for Interest and Similar Expenses	-19,315.8	-16,528.1
Receipts from Fee and Commission Income	2,105.3	1,765.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	-76.0	782.5
Receipts from Other Income	36.9	53.1
Receipts from Collection of Written-off Debts	1,841.9	1,247.3
Payments for Staff Costs and Operating Expenses	-7,325.5	-7,236.0
Corporate Income Tax Paid	-1,943.7	-1,959.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	10,317.1	11,658.9
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	10,799.4	-43,925.6
(Increase)/Decrease in Trading Securities and Investment Securities	-761.3	10,610.5
(Increase)/Decrease in Derivatives and Other Financial Assets	821.9	-665.2
(Increase)/Decrease in Loans and Advances to Customers	-57,957.8	-57,656.5
(Decrease)/Increase in Provisions for Damages	-4,344.5	-2,941.3
(Increase)/Decrease in Other Operating Assets	-2,949.0	975.5
Increase/(Decrease) in Due to Government and Borrowings from State Bank	-7,606.1	18,586.9
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	34,308.4	24,560.9
Increase/(Decrease) in Deposits from Customers	18,269.3	39,731.1
Increase/(Decrease) in Valuable Papers Issued	11,808.1	-634.4
Increase/(Decrease) in Funds Received from Government and Institutions	-2.1	-1.6
Increase/(Decrease) in Derivatives and Other Financial Liabilities	105.6	—
Increase/(Decrease) in Other Operating Liabilities	126.4	-1,791.7
Net Cash Flows from Operating Activities	12,935.4	-1,492.5
Purchase of Fixed Assets	-230.8	-225.6
Receipts from Disposal of Fixed Assets	2.1	0.2
Dividends and Profit Received	2.7	3.7
Net Cash Flows from Investing Activities	-226.0	-221.6
Dividends Paid and Profits Distributed to Owners	-2,085.4	-3,171.0
Net Cash Flows from Financing Activities	-2,085.2	-3,170.9
Net Cash Flows during the Period	10,624.2	-4,885.0
Cash and Cash Equivalents at Beginning of the Period	61,396.0	66,281.0
Cash and Cash Equivalents at End of the Period	72,020.2	61,396.0

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	10,384.9	9,942.7	9,286.7	8,700.0	8,394.6	8,268.2	8,044.8	7,671.2	7,665.8
Interest Expense and Similar Expenses	6,346.3	5,729.1	5,114.0	4,731.3	4,657.4	4,351.9	3,985.1	3,725.6	3,630.0
Net Interest Income	4,038.6	4,213.6	4,172.7	3,968.7	3,737.1	3,916.4	4,059.7	3,945.6	4,035.8
Fee and Commission Income	2,651.7	1,426.9	1,048.5	920.8	804.6	828.2	853.6	1,188.2	1,065.4
Fee and Commission Expenses	662.2	593.8	555.0	519.7	426.9	174.5	444.4	446.5	311.6
Net Fee and Commission Income	1,989.5	833.0	493.5	401.0	377.7	653.8	409.2	741.7	753.7
Net Gain/(Loss) from Foreign Currencies and Gold Trading	-355.7	-278.2	-98.6	108.3	114.2	49.0	136.5	25.6	289.9
Net Gain/(Loss) from Investment Securities	-130.5	-76.6	5.9	121.4	29.1	145.1	65.9	24.1	12.8
Other Income	483.8	700.3	550.4	637.5	450.1	628.1	321.5	334.4	234.7
Other Expenses	165.2	110.5	119.6	120.2	107.1	117.0	60.2	32.5	8.4
Net Other Income	318.5	589.8	430.8	517.3	343.0	511.1	261.3	301.9	226.2
Income from Capital Contribution and Long-term Investments	—	—	2.6	0.1	—	—	3.3	0.4	—
Operating Expenses	1,852.7	1,971.2	1,819.2	1,885.6	1,759.0	1,751.7	1,782.3	1,806.2	1,871.1
Operating Profit before Provision for Credit Losses	4,007.6	3,310.4	3,187.9	3,231.2	2,842.1	3,523.6	3,153.7	3,233.0	3,447.4
Provision for Credit Losses	1,204.9	1,252.2	1,157.9	635.6	421.3	1,122.5	1,155.6	1,129.9	945.5
Profit Before Tax	2,802.7	2,058.3	2,030.0	2,595.6	2,420.8	2,401.1	1,998.1	2,103.1	2,501.9
Current Corporate Income Tax Expense	561.5	410.3	405.5	519.1	484.3	480.9	399.0	420.2	500.8
Deferred Income Tax Expense	—	0.0	—	—	—	-1.0	—	—	—
Corporate Income Tax	561.5	410.3	405.5	519.1	484.3	479.9	399.0	420.2	500.8
Net Profit After Tax	2,241.2	1,648.0	1,624.5	2,076.5	1,936.5	1,921.2	1,599.2	1,683.0	2,001.1
Net Profit Attributable to the Equity Holders of the Bank	2,241.2	1,648.0	1,624.5	2,076.5	1,936.5	1,921.2	1,599.2	1,683.0	2,001.1
Earnings per Share	658.00	484.00	477.00	697.00	650.00	645.00	537.00	624.00	789.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	1,876.2	3,552.6	1,934.7	1,843.4	1,647.0	1,639.4	1,625.0	1,703.9	1,715.1
Balances with the State Bank of Vietnam	4,313.1	8,998.1	7,924.7	5,200.7	5,717.0	9,909.1	4,968.0	5,830.0	3,748.4
Placements at and Loans to Other Credit Institutions	114,132.2	104,411.1	104,756.6	97,946.4	102,269.0	105,588.5	82,657.1	114,455.7	92,771.8
Placements at Other Credit Institutions	65,958.5	59,469.5	39,839.5	41,666.1	43,029.4	49,847.5	39,389.2	62,043.3	56,913.0
Loans to Other Credit Institutions	48,173.7	44,941.6	64,917.0	56,280.2	59,239.6	55,741.0	43,268.0	52,412.4	35,858.8
Derivatives and Other Financial Assets	—	—	—	—	421.6	821.9	—	—	—
Loans, Advances and Finance Leases to Customers	381,362.0	377,113.2	367,863.4	351,360.1	329,264.1	318,316.1	292,146.2	273,996.2	262,910.8
Loans, Advances and Finance Leases to Customers (Gross)	386,257.3	381,972.0	372,736.1	356,066.1	334,158.2	324,009.7	297,549.7	278,906.0	267,708.6
Provision for Losses on Loans, Advances and Finance Leases to Customers	-4,895.3	-4,858.8	-4,872.6	-4,706.0	-4,894.1	-5,693.6	-5,403.5	-4,909.8	-4,797.8
Debt Purchased	4.0	4.3	6.5	6.9	8.2	8.8	10.3	10.5	15.7
Debt Purchased (Gross)	4.1	4.4	6.6	6.9	8.3	8.8	10.4	10.6	15.8
Provision for Debt Purchased	-0.0	-0.0	-0.1	-0.1	-0.1	-0.1	-0.1	-0.1	-0.1
Investment Securities	49,089.1	51,149.5	53,170.1	67,210.4	49,438.6	50,344.3	57,909.6	28,742.1	44,298.4
Available-for-sale Securities	49,089.1	51,149.5	53,171.6	67,211.9	49,440.1	50,345.8	57,911.1	28,722.7	44,279.0
Held-to-maturity Securities	—	—	42.4	42.4	42.4	42.4	42.4	42.4	42.4
Provision for Diminution in Value of Investment Securities	—	—	-43.9	-43.9	-43.9	-43.9	-43.9	-23.0	-23.0
Capital Contribution and Other Long-term Investments	69.5	69.5	69.5	69.5	69.5	69.5	69.5	69.5	69.5
Other Long-term Investments	69.7	69.7	69.7	69.7	69.7	69.7	69.7	69.7	69.7
Provision for Diminution in Value of Long-term Investments	-0.2	-0.2	-0.2	-0.2	-0.2	-0.2	-0.2	-0.2	-0.2
Fixed Assets	947.6	846.9	835.8	776.4	793.2	795.3	800.9	790.6	793.2
Tangible Fixed Assets	586.7	548.9	540.1	490.9	500.3	493.2	496.4	486.7	485.6
Tangible Fixed Assets Cost	1,322.0	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-735.3	—	—	—	—	—	—	—	—
Intangible Fixed Assets	360.9	297.9	295.7	285.5	292.9	302.1	304.5	303.9	307.6
Intangible Fixed Assets Cost	927.2	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-566.3	—	—	—	—	—	—	—	—
Investment Properties	2.2	2.2	2.3	2.3	2.3	2.4	2.4	2.4	2.5
Investment Properties Cost	3.5	—	—	—	—	—	—	—	—
Other Assets	12,350.2	9,951.1	6,996.2	6,492.9	6,097.0	5,663.3	5,188.6	5,361.3	7,562.3
Accounts Receivables	5,878.7	4,017.1	2,379.2	1,983.5	1,913.7	1,952.7	1,686.3	1,693.0	3,544.9
Interest and Fee Receivables	4,260.8	3,902.3	2,869.4	3,006.4	2,959.8	2,572.3	2,420.9	2,622.7	2,979.8
Deferred Income Tax Assets	1.0	1.0	1.0	1.0	1.0	1.0	—	—	—
Other Assets (Miscellaneous)	2,209.7	2,030.7	1,746.6	1,502.1	1,222.8	1,137.6	1,081.8	1,046.1	1,044.3
Provision for Risks in Other Assets	—	—	—	—	-0.2	-0.2	-0.3	-0.6	-6.7
Total Assets	564,145.9	556,098.4	543,559.7	530,909.0	495,727.4	493,158.4	445,377.6	430,962.1	413,887.8
Due to Government and Borrowings from the State Bank of Vietnam	13,859.8	10,980.8	13,178.6	14,424.0	9,747.1	18,586.9	2,191.9	—	—
Placements and Borrowings from Other Credit Institutions	141,546.5	157,509.0	138,500.9	127,689.2	123,869.4	123,200.6	113,853.1	117,276.7	106,590.9
Placements from Other Credit Institutions	105,880.1	117,968.3	97,026.7	99,715.0	101,768.0	94,513.7	91,674.4	95,731.5	80,399.6
Borrowings from Other Credit Institutions	35,666.3	39,540.7	41,474.2	27,974.2	22,101.4	28,686.8	22,178.8	21,545.2	26,191.3
Deposits from Customers	316,373.8	294,577.7	307,929.2	304,393.0	282,298.0	276,308.3	255,632.6	247,629.8	234,210.8
Derivatives and Other Financial Liabilities	247.6	105.6	364.2	47.0	—	—	262.3	670.0	71.2
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	3.0	3.3	3.4	3.5	5.0	5.4	5.7	6.1	6.5
Valuable Papers Issued	34,770.7	35,070.7	27,145.0	29,200.0	25,800.0	23,262.6	21,955.7	15,994.7	23,195.8
Other Liabilities	8,200.5	10,946.7	11,178.7	11,524.6	10,364.6	9,932.8	11,534.2	11,034.4	11,396.9
Interest and Fee Payables	5,465.3	4,298.8	4,542.6	4,130.8	3,995.4	3,382.8	4,294.0	3,740.4	4,586.5
Other Liabilities (Miscellaneous)	2,735.2	6,647.9	6,636.1	7,393.8	6,369.2	6,550.0	7,240.2	7,294.0	6,810.4
Total Liabilities	515,001.9	509,193.7	498,299.9	487,281.3	452,084.1	451,296.6	405,435.5	392,611.7	375,472.1
Capital and Reserves	49,144.1	46,904.7	45,259.8	43,627.7	43,643.3	41,861.8	39,942.1	38,350.4	38,415.7
Capital	34,042.0	34,042.0	34,042.0	29,793.0	29,793.0	29,793.0	29,793.0	25,369.7	25,369.7
Charter Capital	34,040.1	34,040.1	34,040.1	29,791.3	29,791.3	29,791.3	29,791.3	25,368.1	25,368.1
Share Premium	1.9	1.9	1.9	1.8	1.8	1.8	1.8	1.6	1.6
Reserves	5,346.7	5,346.7	5,346.7	5,772.6	5,763.0	4,333.3	4,333.3	4,756.4	3,468.9
Foreign Exchange Differences	-1.9	—	-2.6	-9.9	-3.3	—	-7.7	-0.1	-0.7
Undistributed Earnings after Tax/Accumulated Loss	9,757.2	7,516.0	5,873.6	8,072.1	8,090.5	7,735.4	5,823.4	8,224.4	9,577.9
Total Liabilities and Equity	564,145.9	556,098.4	543,559.7	530,909.0	495,727.4	493,158.4	445,377.6	430,962.1	413,887.8

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	10,026.3	8,909.8	9,423.7	8,653.4	8,007.0	8,274.2	8,882.2	8,028.3	8,349.3
Payments for Interest and Similar Expenses	-5,179.8	-5,972.9	-4,702.2	-4,595.9	-4,044.8	-5,263.1	-3,431.5	-4,571.8	-3,261.7
Receipts from Fee and Commission Income	1,989.5	833.0	493.5	401.0	377.7	496.4	-226.4	741.7	753.7
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	-486.2	-356.3	-92.7	229.7	143.3	194.1	223.3	62.4	302.7
Receipts from Other Income	-36.0	27.2	-5.4	14.9	0.2	18.0	5.6	12.4	17.0
Receipts from Collection of Written-off Debts	354.4	561.9	436.2	501.5	342.3	493.1	255.5	289.5	209.2
Payments for Staff Costs and Operating Expenses	-1,953.5	-1,817.2	-1,772.2	-1,725.9	-2,010.1	-1,703.1	-1,725.1	-1,649.8	-2,158.0
Corporate Income Tax Paid	-1,187.1	-4.4	-427.3	-201.6	-1,310.5	-21.0	-419.7	-50.5	-1,468.0
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	3,527.5	2,181.2	3,353.7	3,277.1	1,505.1	2,488.7	3,564.0	2,862.1	2,744.1
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-3,232.1	19,975.4	-8,636.8	2,959.4	-3,498.6	-12,473.0	9,144.4	-16,553.6	-24,043.4
(Increase)/Decrease in Trading Securities and Investment Securities	2,060.4	2,064.4	14,040.4	-17,771.8	905.7	7,565.3	-29,188.4	14,056.3	18,177.3
(Increase)/Decrease in Derivatives and Other Financial Assets	—	0.0	0.0	421.6	400.3	-821.9	0.0	0.0	156.7
(Increase)/Decrease in Loans and Advances to Customers	-4,285.0	-9,233.7	-16,669.6	-21,906.6	-10,147.9	-26,458.5	-18,643.4	-11,192.2	-1,362.4
(Decrease)/Increase in Provisions for Damages	-1,168.5	-1,308.4	-991.3	-824.0	-1,220.8	-832.5	-662.2	-1,023.9	-422.7
(Increase)/Decrease in Other Operating Assets	-1,991.6	-1,919.2	-623.3	-355.6	-50.8	-315.4	-36.5	1,838.1	-510.6
Increase/(Decrease) in Due to Government and Borrowings from State Bank	2,878.9	-2,197.8	-1,245.4	4,676.9	-8,839.8	16,395.0	2,191.9	—	—
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-15,962.5	19,008.1	10,811.7	3,819.8	668.8	9,347.4	-3,423.6	10,685.9	7,951.1
Increase/(Decrease) in Deposits from Customers	21,796.2	-13,351.5	3,536.2	22,094.9	5,989.7	20,675.7	8,002.9	13,419.0	-2,366.5
Increase/(Decrease) in Valuable Papers Issued	-300.0	7,925.7	-2,055.0	3,400.0	2,537.4	1,306.9	5,961.0	-7,201.1	-701.1
Increase/(Decrease) in Funds Received from Government and Institutions	-0.3	-0.1	-0.1	-1.5	-0.4	-0.3	-0.4	-0.4	-0.4
Increase/(Decrease) in Derivatives and Other Financial Liabilities	142.0	-258.6	317.2	47.0	—	—	-407.7	598.8	71.2
Increase/(Decrease) in Other Operating Liabilities	-3,137.9	-509.7	-738.9	588.1	786.9	-1,159.5	-43.5	-96.1	-492.6
Net Cash Flows from Operating Activities	327.3	22,375.8	1,098.8	425.3	-10,964.5	15,455.6	-23,541.5	7,392.7	-799.2
Purchase of Fixed Assets	-199.8	-55.2	-113.0	-23.9	-38.7	-41.8	-57.1	-43.6	-83.1
Receipts from Disposal of Fixed Assets	0.2	0.6	0.0	0.9	0.5	0.0	0.2	—	—
Dividends and Profit Received	—	0.0	2.6	0.1	—	0.0	3.3	0.4	—
Net Cash Flows from Investing Activities	-199.6	-54.6	-110.3	-22.9	-38.2	-41.8	-53.5	-43.2	-83.1
Dividends Paid and Profits Distributed to Owners	—	0.0	0.0	-2,085.4	—	0.0	0.0	-1,648.9	-1,522.1
Net Cash Flows from Financing Activities	—	0.0	0.2	-2,085.4	—	0.0	0.1	-1,648.9	-1,522.1
Net Cash Flows during the Period	127.6	22,321.3	988.6	-1,683.0	-11,002.6	15,413.8	-23,594.9	5,700.5	-2,404.4
Cash and Cash Equivalents at Beginning of the Period	72,020.2	49,698.9	48,710.3	50,393.3	61,396.0	45,982.2	69,577.1	63,876.6	66,281.0
Cash and Cash Equivalents at End of the Period	72,147.8	72,020.2	49,698.9	48,710.3	50,393.3	61,396.0	45,982.2	69,577.1	63,876.6

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