SSB

Ngân hàng TMCP Đông Nam Á ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 107.9%, +2.5 pp QoQ

Price

14,400

Latest close

02 Jun 2026

P/B 1.0x

ROAE (TTM) 8.0%

NIM (TTM) 2.7%

ROAA (TTM) 0.9%

LDR 107.9%

Bank Picture

SSB bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    107.9%
	                                
+2.5 pp QoQ

	                            
	                                Market funding share
	                            
	                                    46.1%
	                                
+4.4 pp QoQ

	                            
	                                Funding cost
	                            
	                                    4.56%
	                                
+0.7 pp YoY

Metric	2025	2024
Net Interest Income	9.703,8	9.966,4
NIM	2,76%	3,15%
Net Fee Income	725,3	1.111,7
Provision Expense	2.585,8	2.239,4
Net Profit After Tax	5.509,5	4.816,0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	2.413,5	2.451,9	2.337,1	2.464,4	2.450,5	2.425,9	2.797,2	2.741,6	2.001,7
NII Growth YoY	−2%	+1%	−16%	−10%	+22%	—	—	—	—
NIM	2,71%	2,76%	3,00%	3,21%	3,60%	3,48%	—	—	—
Net Fee Income	197,3	173,6	204,2	172,0	175,4	532,7	247,3	191,0	140,6
Provision Expense	592,4	1.261,2	670,4	218,7	435,6	548,0	779,2	623,3	288,9
Net Profit After Tax	1.110,6	104,3	779,5	1.206,2	3.492,5	1.220,9	1.012,0	1.381,8	1.201,3
Net Income Growth YoY	−68%	−91%	−23%	−13%	+191%	—	—	—	—

Drivers of SSB's profit

TTM

Net profit attributable to parent declined vs last year, mainly due to lower net interest income. Supporting and offsetting drivers:

Corporate income tax −VND 997.6bn

Trading securities +VND 377.7bn

FX & gold trading +VND 225.8bn

Net interest income −VND 748.4bn

Investment securities −VND 707.2bn

Other income −VND 468.5bn

TTM

Net profit attributable to parent declined vs prior quarter, mainly due to lower investment securities. Supporting and offsetting drivers:

Corporate income tax −VND 580.2bn

FX & gold trading +VND 316.1bn

Operating expenses −VND 101.1bn

Trading securities +VND 46.7bn

Net fee income +VND 21.9bn

Investment securities −VND 663.2bn

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 107.9% and near-term funding room looking thinner than last quarter.

Reserve buffer on gross loans is around 1.52%. LDR stands at 107.9%.

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 107.9%, leaving less room on liquidity.

Key signals

Credit cost 0.77% +0.0pp

Reserve / Gross loans 1.52% +0.1pp

LDR 107.9% +2.5pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread is under pressure from funding costs, with funding cost at 4.56%. More broadly, spread conditions are becoming less favorable as asset-yield improvement has not kept pace with funding costs.

In the period, NIM reached 2.71%, −0.9pp YoY; asset yield was 7.27%, −0.2pp; while funding cost was 4.56%, +0.7pp. This suggests spread is under pressure from both softer asset yields and rising funding costs.

Watchpoints

Spread compression in progress

Spread is under pressure from both sides, with softer asset yields and rising funding costs.

Funding cost is elevated

Funding cost is 4.56%, pressuring net interest margin.

Key signals

NIM 2.71% −0.9pp

Asset yield 7.27% −0.2pp

Funding cost 4.56% +0.7pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix currently looks balanced.

Nii accounts for 86.4% of toi, fee income is 6.7% of toi, other income is 1.5% of toi, cir stands at 40.1%, net profit equals 28.6% of toi.

Watchpoints

Fee-income base is thin

Fee income currently contributes only 6.7% of total operating income.

Key signals

NII / TOI 86.4% +17.6pp

Fee / TOI 6.7% +1.5pp

Other income / TOI 1.5% —

CIR 40.1% +7.6pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Liquidity balance is tightening, with LDR up to 107.9% and implying balance-sheet usage is running ahead of funding cushion.

Ldr stands at 107.9%, equity equals 10.3% of assets, customer funding accounts for 53.9% of interest-bearing funding, market funding accounts for 46.1%.

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.

LDR is stretched

LDR stands at 107.9%, leaving less room on liquidity.

Key signals

LDR 107.9% +2.5pp

Equity / Assets 10.3% +0.1pp

Customer funding 53.9% −4.4pp

Market funding 46.1% +4.4pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability should be watched more closely, with ROAA at 0.87% and ROAE at 7.99%.

Net income on average earning assets is 0.90%, nim stands at 2.71%, credit cost is 0.77%, cir stands at 40.1%, average leverage is around 9.20 times.

Watchpoints

ROAA is low

ROAA stands at 0.87%, suggesting returns on assets are still soft.

ROAE should be watched

ROAE currently stands at 7.99%.

Key signals

ROAA 0.87% −0.7pp

ROAE 7.99% −6.8pp

NI / Avg EA 0.90% −0.7pp

Quarterly provision VND 592bn −53.0% QoQ

2026Q1

Investment Takeaway

SSB 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	24,569.9	20,716.6
Interest Expense and Similar Expenses	14,866.1	10,750.2
Net Interest Income	9,703.8	9,966.4
Fee and Commission Income	1,060.1	1,349.3
Fee and Commission Expenses	334.8	237.6
Net Fee and Commission Income	725.3	1,111.7
Net Gain/(Loss) from Foreign Currencies and Gold Trading	427.6	570.6
Net Gain/(Loss) from Trading Securities	217.4	-172.1
Net Gain/(Loss) from Investment Securities	268.7	321.4
Other Income	359.9	802.6
Other Expenses	210.1	193.0
Net Other Income	149.8	609.6
Income from Capital Contribution and Long-term Investments	2,621.0	1.4
Operating Expenses	4,659.5	4,130.2
Operating Profit before Provision for Credit Losses	9,454.2	8,278.8
Provision for Credit Losses	2,585.8	2,239.4
Profit Before Tax	6,868.4	6,039.4
Current Corporate Income Tax Expense	1,358.8	1,223.4
Corporate Income Tax	1,358.8	1,223.4
Net Profit After Tax	5,509.5	4,816.0
Net Profit Attributable to the Equity Holders of the Bank	5,509.5	4,816.0
Earnings per Share	1,880.00	1,648.00

Item	2025	2024
Cash, Gold and Precious Stones	1,040.6	963.7
Balances with the State Bank of Vietnam	24,472.5	11,299.7
Placements at and Loans to Other Credit Institutions	91,447.0	70,244.0
Placements at Other Credit Institutions	91,267.0	67,919.7
Loans to Other Credit Institutions	180.0	2,324.3
Trading Securities	11,445.0	8,866.7
Trading Securities (Gross)	11,457.6	8,869.0
Provision for Diminution in Value of Trading Securities	-12.6	-2.2
Loans, Advances and Finance Leases to Customers	233,780.4	206,073.2
Loans, Advances and Finance Leases to Customers (Gross)	237,047.1	209,354.6
Provision for Losses on Loans, Advances and Finance Leases to Customers	-3,266.7	-3,281.4
Investment Securities	25,442.3	19,632.5
Available-for-sale Securities	25,505.4	17,555.9
Held-to-maturity Securities	50.5	2,427.0
Provision for Diminution in Value of Investment Securities	-113.6	-350.5
Capital Contribution and Other Long-term Investments	59.1	62.1
Other Long-term Investments	59.1	62.4
Provision for Diminution in Value of Long-term Investments	—	-0.4
Fixed Assets	1,489.3	1,367.0
Tangible Fixed Assets	512.5	488.5
Tangible Fixed Assets Cost	1,193.9	1,092.0
Accumulated Depreciation of Tangible Fixed Assets	-681.5	-603.5
Intangible Fixed Assets	976.9	878.6
Intangible Fixed Assets Cost	1,337.9	1,163.2
Accumulated Depreciation of Intangible Fixed Assets	-361.0	-284.6
Investment Properties	77.0	54.0
Investment Properties Cost	86.9	62.8
Other Assets	7,190.0	7,136.0
Accounts Receivables	1,642.1	2,202.8
Interest and Fee Receivables	3,091.9	2,581.6
Other Assets (Miscellaneous)	2,485.2	2,380.9
Provision for Risks in Other Assets	-29.3	-29.3
Total Assets	396,443.1	325,698.8
Due to Government and Borrowings from the State Bank of Vietnam	20,819.4	2,064.5
Placements and Borrowings from Other Credit Institutions	107,281.0	85,303.7
Placements from Other Credit Institutions	85,299.6	55,895.1
Borrowings from Other Credit Institutions	21,981.4	29,408.5
Deposits from Customers	191,807.2	168,320.2
Derivatives and Other Financial Liabilities	260.4	303.6
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	—	1.0
Valuable Papers Issued	29,984.0	30,450.2
Other Liabilities	5,918.5	4,252.9
Interest and Fee Payables	3,997.2	2,922.3
Other Liabilities (Miscellaneous)	1,921.3	1,330.6
Total Liabilities	356,070.5	290,696.0
Capital and Reserves	40,372.6	35,002.9
Capital	28,453.2	28,353.2
Charter Capital	28,450.0	28,350.0
Share Premium	3.2	3.2
Reserves	3,701.3	2,666.3
Undistributed Earnings after Tax/Accumulated Loss	8,218.2	3,983.4
Total Liabilities and Equity	396,443.1	325,698.8

Item	2025	2024
Receipts from Interest and Similar Income	23,991.1	21,453.8
Payments for Interest and Similar Expenses	-13,776.3	-11,571.4
Receipts from Fee and Commission Income	671.5	1,109.0
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	687.3	973.3
Receipts from Other Income	11.7	16.8
Receipts from Collection of Written-off Debts	136.1	592.4
Payments for Staff Costs and Operating Expenses	-4,018.7	-3,990.8
Corporate Income Tax Paid	-1,331.1	-966.5
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	6,371.5	7,616.7
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	2,144.3	566.3
(Increase)/Decrease in Trading Securities and Investment Securities	-10,243.7	-4,112.6
(Increase)/Decrease in Loans and Advances to Customers	-32,007.6	-29,602.8
(Decrease)/Increase in Provisions for Damages	-2,095.8	-1,936.0
(Increase)/Decrease in Other Operating Assets	113.0	5,093.6
Increase/(Decrease) in Due to Government and Borrowings from State Bank	18,754.9	-474.2
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	24,503.0	18,605.6
Increase/(Decrease) in Deposits from Customers	23,487.2	23,480.2
Increase/(Decrease) in Valuable Papers Issued	-466.1	13,604.1
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-43.2	196.4
Increase/(Decrease) in Other Operating Liabilities	-94.2	-86.9
Net Cash Flows from Operating Activities	30,423.2	32,950.5
Purchase of Fixed Assets	-315.0	-236.9
Receipts from Disposal of Fixed Assets	11.3	0.4
Dividends and Profit Received	13.7	1.4
Net Cash Flows from Investing Activities	4,073.7	-226.6
Receipts from Equity Issue and Owner Capital Contribution	100.0	—
Net Cash Flows from Financing Activities	100.0	—
Net Cash Flows during the Period	34,596.9	32,723.9
Cash and Cash Equivalents at Beginning of the Period	82,183.1	49,459.2
Cash and Cash Equivalents at End of the Period	116,780.0	82,183.1

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	6,950.1	6,720.2	6,268.3	5,962.7	5,618.7	5,268.9	5,405.3	5,254.1	4,788.4
Interest Expense and Similar Expenses	4,536.7	4,268.4	3,931.2	3,498.3	3,168.2	2,843.0	2,608.1	2,512.5	2,786.7
Net Interest Income	2,413.5	2,451.9	2,337.1	2,464.4	2,450.5	2,425.9	2,797.2	2,741.6	2,001.7
Fee and Commission Income	262.4	320.4	269.0	236.2	234.5	611.3	307.5	235.1	195.3
Fee and Commission Expenses	65.1	146.8	64.8	64.2	59.0	78.6	60.2	44.1	54.7
Net Fee and Commission Income	197.3	173.6	204.2	172.0	175.4	532.7	247.3	191.0	140.6
Net Gain/(Loss) from Foreign Currencies and Gold Trading	366.3	128.0	180.6	68.8	50.2	7.7	156.5	303.6	102.8
Net Gain/(Loss) from Trading Securities	212.7	72.4	33.9	-54.9	166.0	-213.2	-27.7	-38.7	107.5
Net Gain/(Loss) from Investment Securities	-328.3	102.9	-193.5	24.4	334.9	-96.1	-25.1	98.9	343.7
Other Income	77.8	108.3	64.7	56.2	130.7	612.0	78.3	56.5	55.7
Other Expenses	25.7	37.6	31.3	46.0	95.2	50.3	48.5	48.7	45.5
Net Other Income	52.1	70.7	33.3	10.3	35.5	561.7	29.9	7.8	10.1
Income from Capital Contribution and Long-term Investments	—	5.6	0.6	7.5	2,607.3	0.2	0.4	0.8	0.0
Operating Expenses	932.8	1,615.0	969.7	967.9	1,033.9	1,139.8	1,129.8	949.3	911.3
Operating Profit before Provision for Credit Losses	1,980.8	1,390.2	1,626.5	1,724.6	4,785.9	2,079.2	2,048.7	2,355.7	1,795.2
Provision for Credit Losses	592.4	1,261.2	670.4	218.7	435.6	548.0	779.2	623.3	288.9
Profit Before Tax	1,388.3	129.0	956.1	1,505.9	4,350.4	1,531.2	1,269.6	1,732.4	1,506.3
Current Corporate Income Tax Expense	277.7	24.7	176.6	299.7	857.9	310.2	257.6	350.6	304.9
Corporate Income Tax	277.7	24.7	176.6	299.7	857.9	310.2	257.6	350.6	304.9
Net Profit After Tax	1,110.6	104.3	779.5	1,206.2	3,492.5	1,220.9	1,012.0	1,381.8	1,201.3
Net Profit Attributable to the Equity Holders of the Bank	1,110.6	104.3	779.5	1,206.2	3,492.5	1,220.9	1,012.0	1,381.8	1,201.3
Earnings per Share	379.00	—	—	—	1,194.00	—	—	—	481.00

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	1,255.6	1,040.6	1,028.8	1,088.4	915.5	963.7	859.9	890.5	852.4
Balances with the State Bank of Vietnam	12,955.3	24,472.5	3,792.0	6,163.0	2,626.8	11,299.7	3,686.9	5,290.4	2,114.5
Placements at and Loans to Other Credit Institutions	108,337.6	91,447.0	100,174.7	110,145.0	80,397.7	70,244.0	55,028.1	54,967.5	60,695.8
Placements at Other Credit Institutions	108,031.6	91,267.0	99,334.7	107,747.4	78,147.7	67,919.7	51,975.5	50,449.7	55,353.6
Loans to Other Credit Institutions	306.0	180.0	840.0	2,397.6	2,250.0	2,324.3	3,052.6	4,517.8	5,342.2
Provision for Losses and Risks	—	—	—	—	—	—	—	—	0.0
Trading Securities	4,658.1	11,445.0	11,099.7	10,264.5	9,866.1	8,866.7	6,437.0	4,250.4	4,830.3
Trading Securities (Gross)	4,660.5	11,457.6	11,110.3	10,264.5	9,866.1	8,869.0	6,437.0	4,250.4	4,830.3
Provision for Diminution in Value of Trading Securities	-2.3	-12.6	-10.6	—	—	-2.2	—	—	0.0
Derivatives and Other Financial Assets	—	—	—	—	—	—	—	—	0.0
Loans, Advances and Finance Leases to Customers	235,093.0	233,780.4	230,286.0	217,398.1	209,845.5	206,073.2	193,911.2	183,236.8	178,163.1
Loans, Advances and Finance Leases to Customers (Gross)	238,723.6	237,047.1	233,562.1	220,570.6	213,048.0	209,354.6	196,889.8	185,958.9	181,184.6
Provision for Losses on Loans, Advances and Finance Leases to Customers	-3,630.6	-3,266.7	-3,276.1	-3,172.4	-3,202.5	-3,281.4	-2,978.7	-2,722.1	-3,021.5
Debt Purchased	—	—	—	—	—	—	—	—	0.0
Debt Purchased (Gross)	—	—	—	—	—	—	—	—	0.0
Provision for Debt Purchased	—	—	—	—	—	—	—	—	0.0
Investment Securities	28,058.3	25,442.3	24,606.6	23,292.6	20,410.9	19,632.5	16,771.2	16,992.3	10,191.2
Available-for-sale Securities	28,128.4	25,505.4	24,650.7	23,292.6	20,410.9	17,555.9	16,771.2	9,992.3	10,191.2
Held-to-maturity Securities	31.1	50.5	350.5	350.5	350.5	2,427.0	350.5	7,350.5	350.5
Provision for Diminution in Value of Investment Securities	-101.2	-113.6	-394.5	-350.5	-350.5	-350.5	-350.5	-350.5	-350.5
Capital Contribution and Other Long-term Investments	59.1	59.1	59.1	59.1	58.7	62.1	62.1	62.1	61.9
Investments in Associates and Joint Ventures	—	—	—	—	—	—	—	—	0.0
Other Long-term Investments	59.1	59.1	59.1	59.1	59.1	62.4	62.4	62.4	62.4
Provision for Diminution in Value of Long-term Investments	—	—	—	—	-0.4	-0.4	-0.4	-0.4	-0.5
Fixed Assets	1,452.2	1,489.3	1,433.9	1,455.2	1,417.9	1,367.0	1,348.2	1,221.1	1,236.9
Tangible Fixed Assets	487.8	512.5	494.0	508.9	466.1	488.5	490.7	508.7	529.8
Tangible Fixed Assets Cost	1,194.0	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-706.2	—	—	—	—	—	—	—	—
Intangible Fixed Assets	964.4	976.9	939.9	946.3	951.8	878.6	857.4	712.4	707.0
Intangible Fixed Assets Cost	1,345.6	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-381.1	—	—	—	—	—	—	—	—
Investment Properties	76.7	77.0	77.1	56.9	53.7	54.0	55.3	55.2	55.5
Investment Properties Cost	86.9	—	—	—	—	—	—	—	—
Other Assets	11,251.9	7,190.0	8,250.6	9,163.8	8,153.3	7,136.0	10,358.0	13,691.6	13,411.9
Accounts Receivables	2,743.1	1,642.1	1,804.2	2,599.5	2,235.2	2,202.8	4,354.7	7,762.5	6,747.1
Interest and Fee Receivables	5,418.7	3,091.9	4,266.8	4,294.4	3,529.9	2,581.6	3,452.4	3,324.0	3,921.1
Deferred Income Tax Assets	—	—	—	—	—	—	—	—	0.0
Other Assets (Miscellaneous)	3,119.3	2,485.2	2,208.8	2,299.2	2,417.4	2,380.9	2,580.5	2,634.7	2,773.7
Provision for Risks in Other Assets	-29.3	-29.3	-29.3	-29.3	-29.3	-29.3	-29.6	-29.6	-30.0
Total Assets	403,197.7	396,443.1	380,808.4	379,086.6	333,746.3	325,698.8	288,517.8	280,658.0	271,613.6
Due to Government and Borrowings from the State Bank of Vietnam	10,830.6	20,819.4	6,714.0	6,597.4	4,964.4	2,064.5	5,477.6	2,087.1	2,094.0
Placements and Borrowings from Other Credit Institutions	126,910.7	107,281.0	115,468.8	127,173.3	95,061.8	85,303.7	78,113.4	80,855.9	65,368.8
Placements from Other Credit Institutions	107,325.4	85,299.6	90,052.9	90,289.9	67,481.5	55,895.1	53,115.8	52,002.1	38,846.1
Borrowings from Other Credit Institutions	19,585.3	21,981.4	25,415.9	36,883.5	27,580.3	29,408.5	24,997.6	28,853.8	26,522.7
Deposits from Customers	185,876.2	191,807.2	177,624.1	166,648.1	160,043.1	168,320.2	153,618.3	149,453.3	154,371.6
Derivatives and Other Financial Liabilities	519.2	260.4	484.2	703.0	528.6	303.6	90.3	31.4	106.3
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	—	—	—	—	—	1.0	1.0	1.0	1.0
Valuable Papers Issued	31,987.0	29,984.0	34,050.0	32,344.9	29,950.2	30,450.2	13,250.2	11,473.3	14,233.9
Other Liabilities	5,592.1	5,918.5	6,199.4	6,059.1	4,598.5	4,252.9	4,189.4	3,987.3	3,872.2
Interest and Fee Payables	4,339.1	3,997.2	4,341.9	4,251.8	3,184.7	2,922.3	2,510.1	2,971.8	3,120.9
Other Liabilities (Miscellaneous)	1,253.0	1,921.3	1,857.5	1,807.4	1,413.9	1,330.6	1,679.3	1,015.5	751.3
Total Liabilities	361,715.9	356,070.5	340,540.4	339,525.8	295,146.7	290,696.0	254,740.1	247,889.3	240,047.9
Capital and Reserves	41,481.8	40,372.6	40,268.0	39,560.9	38,599.6	35,002.9	33,777.7	32,768.7	31,565.7
Capital	28,453.2	28,453.2	28,453.2	28,453.2	28,453.2	28,353.2	28,353.2	25,063.2	25,063.2
Charter Capital	28,450.0	28,450.0	28,450.0	28,450.0	28,450.0	28,350.0	28,350.0	24,957.0	24,957.0
Share Premium	3.2	3.2	3.2	3.2	3.2	3.2	3.2	106.2	106.2
Other Capital	—	—	—	—	—	—	—	—	0.0
Reserves	3,701.3	3,701.3	2,666.3	2,666.3	2,666.3	2,666.3	1,715.3	1,715.3	1,715.3
Foreign Exchange Differences	-1.5	—	-0.3	-0.8	4.3	—	-4.3	-1.3	67.5
Undistributed Earnings after Tax/Accumulated Loss	9,328.8	8,218.2	9,148.9	8,442.3	7,475.9	3,983.4	3,713.4	5,991.4	4,719.7
Minority Interest	—	—	—	—	—	—	—	—	0.0
Total Liabilities and Equity	403,197.7	396,443.1	380,808.4	379,086.6	333,746.3	325,698.8	288,517.8	280,658.0	271,613.6

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	4,623.3	7,895.1	6,295.8	5,198.3	4,601.8	6,139.7	5,276.9	5,851.2	4,186.1
Payments for Interest and Similar Expenses	-4,194.8	-4,613.1	-3,841.0	-2,431.2	-2,891.0	-2,430.8	-3,069.8	-2,661.6	-3,409.2
Receipts from Fee and Commission Income	197.3	128.6	197.4	172.0	173.5	530.7	246.8	191.0	140.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	228.0	24.5	75.6	38.3	548.9	-299.3	103.7	363.7	805.2
Receipts from Other Income	0.2	6.8	1.1	-6.9	10.7	27.8	-3.0	-5.8	-2.3
Receipts from Collection of Written-off Debts	51.9	64.5	32.2	13.4	26.0	533.7	32.7	13.5	12.5
Payments for Staff Costs and Operating Expenses	-887.5	-1,109.1	-837.2	-1,087.6	-984.8	-1,103.9	-1,095.2	-914.9	-876.9
Corporate Income Tax Paid	-826.3	-208.5	-201.5	-122.8	-798.3	-200.0	-78.1	-132.9	-555.4
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	-807.9	2,188.7	1,722.5	1,773.5	686.7	3,198.0	1,414.0	2,704.3	300.4
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-126.0	660.0	1,557.6	-147.6	74.3	728.4	1,465.1	824.4	-2,451.7
(Increase)/Decrease in Trading Securities and Investment Securities	4,193.6	-902.2	-2,203.8	-5,280.1	-1,857.7	-3,293.2	-8,965.5	778.8	7,367.3
(Increase)/Decrease in Derivatives and Other Financial Assets	—	—	—	—	—	—	58.9	-74.9	-0.8
(Increase)/Decrease in Loans and Advances to Customers	-1,676.5	-3,485.0	-12,991.6	-7,522.5	-8,008.5	-12,464.8	-10,930.9	-4,774.3	-1,432.7
(Decrease)/Increase in Provisions for Damages	-228.5	-1,270.6	-566.7	-248.8	-9.7	-245.2	-522.6	-922.8	-245.4
(Increase)/Decrease in Other Operating Assets	-1,736.5	-116.6	700.6	-101.6	-369.3	2,353.5	3,456.9	-945.1	228.3
Increase/(Decrease) in Due to Government and Borrowings from State Bank	-9,988.8	14,105.4	116.6	1,633.0	2,899.9	-3,413.1	3,390.5	-6.9	-444.6
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	19,629.7	-8,187.8	-11,704.5	31,942.2	12,453.1	7,190.3	-2,742.5	15,487.0	-1,329.2
Increase/(Decrease) in Deposits from Customers	-5,931.0	14,183.1	10,976.0	6,604.9	-8,276.9	14,701.9	4,165.0	-4,918.3	9,531.6
Increase/(Decrease) in Valuable Papers Issued	2,003.0	-4,065.9	1,705.1	2,394.7	-500.0	17,200.0	1,776.9	-2,760.6	-2,612.2
Increase/(Decrease) in Derivatives and Other Financial Liabilities	258.8	-223.8	-218.7	174.3	225.1	196.4	—	—	—
Increase/(Decrease) in Other Operating Liabilities	-119.7	-211.7	75.1	-18.4	60.8	-458.9	484.4	-63.6	-48.9
Net Cash Flows from Operating Activities	5,470.2	12,673.7	-10,832.0	31,203.7	-2,622.2	25,710.0	-6,949.8	5,328.2	8,862.1
Purchase of Fixed Assets	-7.8	-102.4	-21.7	-83.1	-107.9	-54.8	-161.4	-19.0	-1.7
Receipts from Disposal of Fixed Assets	—	0.2	0.0	4.7	6.4	0.2	0.1	0.1	0.0
Payments for Disposal of Fixed Assets	—	—	16.2	—	—	—	—	—	—
Dividends and Profit Received	—	5.6	0.6	7.5	—	0.2	0.4	0.8	0.0
Net Cash Flows from Investing Activities	-7.8	-49.1	-11.4	-64.4	4,198.6	-49.2	-158.6	-18.1	-0.8
Receipts from Equity Issue and Owner Capital Contribution	—	0.0	0.0	0.0	100.0	—	—	—	—
Net Cash Flows from Financing Activities	—	0.0	0.0	0.0	100.0	—	—	—	—
Net Cash Flows during the Period	5,462.4	12,624.6	-10,843.3	31,139.3	1,676.4	25,660.9	-7,108.4	5,310.1	8,861.4
Cash and Cash Equivalents at Beginning of the Period	116,780.0	104,155.5	114,998.8	81,859.5	80,183.1	56,522.2	63,630.7	58,320.6	49,459.2
Cash and Cash Equivalents at End of the Period	122,242.4	116,780.0	104,155.5	114,998.8	81,859.5	82,183.1	56,522.2	63,630.7	58,320.6

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