Credit cost is in a watch zone at 2.34% of average earning assets.
Reserve buffer on gross loans is around 1.89%. LDR stands at 124.3%.
Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.
Watchpoints
Credit cost is elevated
Credit cost is at 2.34%, pointing to rising provisioning pressure.
LDR is stretched
LDR stands at 124.3%, leaving less room on liquidity.
Key signals
Credit cost
2.34%
−0.1pp
Reserve / Gross loans
1.89%
+0.0pp
LDR
124.3%
−1.7pp
2026Q1
Is interest margin sustainable?
Interest Margin Quality
▼
Is spread coming under pressure?
Spread deserves closer monitoring because funding cost is already at 4.28%, even if pressure is not yet as severe as in clearer compression cases.
In the period, NIM reached 5.51%, −0.5pp YoY; asset yield was 9.79%, +0.1pp; while funding cost was 4.28%, +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 4.28%, pressuring net interest margin.
Key signals
NIM
5.51%
−0.5pp
Asset yield
9.79%
+0.1pp
Funding cost
4.28%
+0.5pp
2026Q1
Earnings Mix
▲▲
Is profit coming from core or supporting income sources?
Earnings remain primarily core-led, with NII contributing around 79.0% of total operating income.
Nii accounts for 79.0% of toi, fee income is 10.5% of toi, other income is 9.0% of toi, cir stands at 24.0%, net profit equals 33.9% 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
79.0%
+0.2pp
Fee / TOI
10.5%
+0.6pp
Other income / TOI
9.0%
+0.3pp
CIR
24.0%
−0.8pp
2026Q1
Is liquidity safe?
Funding & Liquidity
▼▼
Are funding and capital buffers sufficiently safe?
LDR remains high at 124.3%, but liquidity pressure has at least eased somewhat versus last quarter.
Ldr stands at 124.3%, equity equals 13.6% of assets, customer funding accounts for 60.3% of interest-bearing funding, market funding accounts for 39.7%.
Watchpoints
LDR is stretched
LDR stands at 124.3%, leaving less room on liquidity.
Market funding dependence is high
Market funding now accounts for 39.7% of interest-bearing funding.
Key signals
LDR
124.3%
−1.7pp
Equity / Assets
13.6%
−0.7pp
Customer funding
60.3%
−0.7pp
Market funding
39.7%
+0.7pp
2026Q1
Profitability Quality
▲▲
What is sustaining current profitability?
Profitability quality looks constructive, with ROAA at 2.26% and ROAE at 15.84%, primarily supported by spread.
Net income on average earning assets is 2.37%, nim stands at 5.51%, credit cost is 2.34%, cir stands at 24.0%, average leverage is around 7.00 times.
Key signals
ROAA
2.26%
+0.0pp
ROAE
15.84%
+1.0pp
NI / Avg EA
2.37%
+0.1pp
Quarterly provision
VND 7,669bn
+22.5% QoQ
2026Q1
Investment Takeaway
VPB 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
101,259.0
80,111.6
Interest Expense and Similar Expenses
42,596.2
31,031.2
Net Interest Income
58,662.7
49,080.4
Fee and Commission Income
15,030.4
13,201.7
Fee and Commission Expenses
7,648.8
7,075.3
Net Fee and Commission Income
7,381.7
6,126.3
Net Gain/(Loss) from Foreign Currencies and Gold Trading
297.0
827.2
Net Gain/(Loss) from Trading Securities
1,566.6
361.0
Net Gain/(Loss) from Investment Securities
4.5
469.7
Other Income
10,875.4
9,559.8
Other Expenses
4,169.3
4,182.1
Net Other Income
6,706.2
5,377.7
Income from Capital Contribution and Long-term Investments
35.2
12.8
Operating Expenses
18,630.3
14,339.7
Operating Profit before Provision for Credit Losses
56,023.5
47,915.3
Provision for Credit Losses
25,398.5
27,902.6
Profit Before Tax
30,624.9
20,012.7
Current Corporate Income Tax Expense
6,170.6
3,962.8
Deferred Income Tax Expense
99.7
63.1
Corporate Income Tax
6,270.4
4,025.9
Net Profit After Tax
24,354.6
15,986.8
Minority Interest
364.7
208.0
Net Profit Attributable to the Equity Holders of the Bank
23,989.9
15,778.8
Earnings per Share
3,024.00
1,989.00
Item
2025
2024
Cash, Gold and Precious Stones
2,774.2
2,148.3
Balances with the State Bank of Vietnam
13,570.5
14,327.2
Placements at and Loans to Other Credit Institutions
186,228.9
134,643.7
Placements at Other Credit Institutions
178,800.3
126,527.3
Loans to Other Credit Institutions
7,428.6
8,116.4
Trading Securities
23,960.1
13,111.0
Trading Securities (Gross)
24,132.4
13,180.7
Provision for Diminution in Value of Trading Securities
-172.3
-69.8
Loans, Advances and Finance Leases to Customers
926,472.7
676,545.6
Loans, Advances and Finance Leases to Customers (Gross)
943,901.6
692,875.7
Provision for Losses on Loans, Advances and Finance Leases to Customers
-17,429.0
-16,330.1
Debt Purchased
1,351.4
799.8
Debt Purchased (Gross)
1,361.6
805.9
Provision for Debt Purchased
-10.2
-6.0
Investment Securities
64,434.1
52,783.1
Available-for-sale Securities
64,462.9
51,857.4
Held-to-maturity Securities
—
992.9
Provision for Diminution in Value of Investment Securities
-28.9
-67.3
Capital Contribution and Other Long-term Investments
192.0
189.2
Other Long-term Investments
192.0
189.2
Fixed Assets
2,028.8
2,023.9
Tangible Fixed Assets
1,479.3
1,437.1
Tangible Fixed Assets Cost
3,777.9
3,406.8
Accumulated Depreciation of Tangible Fixed Assets
-2,298.6
-1,969.7
Intangible Fixed Assets
549.6
586.8
Intangible Fixed Assets Cost
2,205.2
2,086.2
Accumulated Depreciation of Intangible Fixed Assets
-1,655.6
-1,499.4
Other Assets
39,136.9
27,275.9
Accounts Receivables
17,522.7
11,411.3
Interest and Fee Receivables
14,279.2
8,384.1
Deferred Income Tax Assets
1,143.7
1,195.8
Other Assets (Miscellaneous)
6,381.7
6,547.7
Provision for Risks in Other Assets
-190.4
-263.0
Total Assets
1,260,149.6
923,847.6
Due to Government and Borrowings from the State Bank of Vietnam
15.3
5.7
Placements and Borrowings from Other Credit Institutions
295,199.5
201,756.4
Placements from Other Credit Institutions
140,778.8
111,863.2
Borrowings from Other Credit Institutions
154,420.7
89,893.2
Deposits from Customers
628,044.6
485,666.5
Derivatives and Other Financial Liabilities
843.4
28.1
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans
16.4
10.9
Valuable Papers Issued
107,120.7
66,975.7
Other Liabilities
48,634.1
22,129.0
Interest and Fee Payables
15,150.5
10,415.0
Other Liabilities (Miscellaneous)
33,454.6
11,687.5
Total Liabilities
1,079,874.0
776,572.4
Capital and Reserves
180,275.6
147,275.3
Capital
103,331.8
103,331.8
Charter Capital
79,339.2
79,339.2
Share Premium
23,992.5
23,992.5
Reserves
18,601.9
14,565.6
Undistributed Earnings after Tax/Accumulated Loss
45,969.6
24,007.6
Minority Interest
12,372.3
5,370.3
Total Liabilities and Equity
1,260,149.6
923,847.6
Item
2025
2024
Receipts from Interest and Similar Income
96,256.7
79,761.6
Payments for Interest and Similar Expenses
-37,964.5
-34,127.2
Receipts from Fee and Commission Income
6,931.1
6,885.0
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities
1,593.7
1,378.5
Receipts from Other Income
986.4
-198.7
Receipts from Collection of Written-off Debts
5,712.6
5,574.9
Payments for Staff Costs and Operating Expenses
-16,909.2
-13,510.6
Corporate Income Tax Paid
-4,127.8
-3,503.9
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities
52,478.9
42,259.5
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions
-56.3
4,678.3
(Increase)/Decrease in Trading Securities and Investment Securities
-20,867.9
39,520.0
(Increase)/Decrease in Loans and Advances to Customers
-248,972.1
-129,369.5
(Decrease)/Increase in Provisions for Damages
-22,046.5
-23,511.2
(Increase)/Decrease in Other Operating Assets
-11,256.1
22,837.0
Increase/(Decrease) in Due to Government and Borrowings from State Bank
9.6
-4,112.6
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions
93,443.1
45,399.8
Increase/(Decrease) in Deposits from Customers
142,378.1
43,298.2
Increase/(Decrease) in Valuable Papers Issued
40,144.9
19,188.4
Increase/(Decrease) in Funds Received from Government and Institutions
5.5
-11.2
Increase/(Decrease) in Derivatives and Other Financial Liabilities
815.3
27.7
Increase/(Decrease) in Other Operating Liabilities
18,456.1
-2,888.2
Net Cash Flows from Operating Activities
44,532.6
57,316.2
Purchase of Fixed Assets
-131.1
-59.3
Receipts from Disposal of Fixed Assets
9.3
1.7
Payments for Disposal of Fixed Assets
-2.2
-0.3
Dividends and Profit Received
35.2
12.8
Net Cash Flows from Investing Activities
-88.8
-45.0
Receipts from Equity Issue and Owner Capital Contribution
12,618.8
—
Dividends Paid and Profits Distributed to Owners
-3,968.2
-7,935.8
Net Cash Flows from Financing Activities
8,650.6
-7,935.8
Net Cash Flows during the Period
53,094.4
49,335.3
Cash and Cash Equivalents at Beginning of the Period
143,002.8
93,667.5
Cash and Cash Equivalents at End of the Period
196,097.2
143,002.8
Item
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
Q1'24
Interest Income and Similar Income
31,549.6
29,452.3
26,165.8
23,429.7
22,184.3
21,401.2
19,607.0
19,757.4
19,345.9
Interest Expense and Similar Expenses
14,589.0
12,685.2
11,104.6
9,978.0
8,828.5
8,208.2
7,451.3
7,349.2
8,022.5
Net Interest Income
16,960.6
16,767.2
15,061.2
13,451.8
13,355.8
13,193.0
12,155.8
12,408.2
11,323.4
Fee and Commission Income
3,843.2
4,490.7
4,383.6
3,305.5
2,877.4
3,520.8
2,866.2
3,652.9
3,161.7
Fee and Commission Expenses
1,778.7
2,013.1
1,991.6
1,935.4
1,708.6
1,978.9
1,718.7
1,772.3
1,607.9
Net Fee and Commission Income
2,064.5
2,477.6
2,392.0
1,370.0
1,168.8
1,541.9
1,147.6
1,880.6
1,553.8
Net Gain/(Loss) from Foreign Currencies and Gold Trading
-419.8
80.7
3.6
93.2
119.5
232.9
96.3
193.9
304.2
Net Gain/(Loss) from Trading Securities
-224.1
-231.1
1,287.0
326.6
184.2
236.3
116.9
33.7
-32.5
Net Gain/(Loss) from Investment Securities
14.4
144.5
-43.7
38.5
-134.8
3.6
17.1
411.7
37.2
Other Income
2,364.3
4,343.5
2,482.2
1,921.0
1,930.7
3,744.7
2,638.6
2,110.7
1,065.9
Other Expenses
882.4
1,168.9
1,069.0
873.5
1,057.9
1,317.6
1,112.3
910.9
841.3
Net Other Income
1,481.9
3,174.7
1,413.1
1,047.5
872.8
2,427.1
1,526.2
1,199.8
224.5
Income from Capital Contribution and Long-term Investments
30.6
2.0
24.3
8.9
—
9.7
3.1
—
—
Operating Expenses
4,318.3
5,924.2
4,427.8
4,206.4
3,873.9
3,791.1
3,751.0
3,331.1
3,466.6
Operating Profit before Provision for Credit Losses
15,589.9
16,491.3
15,709.8
12,130.2
11,692.2
13,853.3
11,312.0
12,796.9
9,944.0
Provision for Credit Losses
7,669.1
6,262.1
6,543.5
5,915.7
6,677.3
7,701.9
6,125.1
8,313.4
5,762.2
Profit Before Tax
7,920.8
10,229.2
9,166.3
6,214.5
5,014.9
6,151.4
5,186.9
4,483.4
4,181.9
Current Corporate Income Tax Expense
1,667.5
2,062.5
1,780.3
1,249.1
1,078.8
1,113.3
1,025.6
780.5
1,042.8
Deferred Income Tax Expense
-76.1
48.4
22.2
27.9
1.2
-1.4
-3.0
70.2
-2.8
Corporate Income Tax
1,591.3
2,110.8
1,802.6
1,277.0
1,079.9
1,111.9
1,022.7
850.8
1,040.0
Net Profit After Tax
6,329.5
8,118.4
7,363.7
4,937.5
3,935.0
5,039.5
4,164.3
3,632.7
3,141.9
Minority Interest
130.8
161.3
88.3
75.1
40.0
422.1
136.4
74.3
-424.8
Net Profit Attributable to the Equity Holders of the Bank
6,198.7
7,957.1
7,275.5
4,862.4
3,894.9
4,617.4
4,027.8
3,558.4
3,566.7
Earnings per Share
781.00
—
—
—
491.00
—
—
—
450.00
Item
Q1'26
Q4'25
Q3'25
Q2'25
Q1'25
Q4'24
Q3'24
Q2'24
Q1'24
Cash, Gold and Precious Stones
4,065.2
2,774.2
2,943.0
2,403.5
2,671.7
2,148.3
2,681.8
2,597.3
2,432.6
Balances with the State Bank of Vietnam
14,817.3
13,570.5
14,240.5
17,320.8
7,191.5
14,327.2
13,546.5
14,975.5
7,759.1
Placements at and Loans to Other Credit Institutions
195,016.6
186,228.9
166,685.5
154,342.4
142,751.0
134,643.7
119,231.1
115,858.6
98,545.8
Placements at Other Credit Institutions
189,087.2
178,800.3
148,467.0
138,433.3
139,634.9
126,527.3
102,987.5
84,694.5
77,117.0
Loans to Other Credit Institutions
5,929.4
7,428.6
18,218.6
15,909.1
3,116.1
8,116.4
16,243.5
31,164.1
21,428.8
Trading Securities
24,890.8
23,960.1
19,289.9
14,361.4
16,623.3
13,111.0
10,549.1
11,494.6
11,331.2
Trading Securities (Gross)
25,406.9
24,132.4
19,433.1
14,501.3
16,760.7
13,180.7
10,611.9
11,576.9
11,406.1
Provision for Diminution in Value of Trading Securities
-516.2
-172.3
-143.2
-139.8
-137.4
-69.8
-62.8
-82.3
-74.8
Derivatives and Other Financial Assets
—
—
—
—
61.3
—
—
—
582.8
Loans, Advances and Finance Leases to Customers
1,021,232.1
926,472.7
879,072.2
811,930.9
713,554.8
676,545.6
619,865.9
609,030.9
567,636.4
Loans, Advances and Finance Leases to Customers (Gross)
1,040,917.2
943,901.6
896,411.8
829,126.7
729,968.9
692,875.7
635,344.6
624,277.5
582,691.3
Provision for Losses on Loans, Advances and Finance Leases to Customers
-19,685.1
-17,429.0
-17,339.6
-17,195.8
-16,414.1
-16,330.1
-15,478.7
-15,246.6
-15,054.9
Debt Purchased
911.8
1,351.4
831.8
925.7
746.2
799.8
797.1
821.8
793.8
Debt Purchased (Gross)
918.7
1,361.6
838.1
932.7
751.8
805.9
827.1
828.0
828.0
Provision for Debt Purchased
-6.9
-10.2
-6.3
-7.0
-5.6
-6.0
-30.0
-6.2
-34.1
Investment Securities
65,833.1
64,434.1
57,364.0
73,755.9
57,972.6
52,783.1
58,056.4
59,429.6
82,798.3
Available-for-sale Securities
65,860.2
64,462.9
57,544.8
73,839.4
57,124.8
51,857.4
58,137.0
59,348.5
76,541.7
Held-to-maturity Securities
—
—
—
100.0
1,092.9
992.9
—
184.3
6,733.8
Provision for Diminution in Value of Investment Securities
-27.1
-28.9
-180.8
-183.5
-245.2
-67.3
-80.6
-103.2
-477.2
Capital Contribution and Other Long-term Investments
192.0
192.0
189.2
189.2
189.2
189.2
189.2
189.2
189.2
Other Long-term Investments
192.0
192.0
189.2
189.2
189.2
189.2
189.2
189.2
189.2
Fixed Assets
1,970.1
2,028.8
1,849.3
1,873.8
1,941.1
2,023.9
1,906.1
1,926.4
1,916.3
Tangible Fixed Assets
1,430.2
1,479.3
1,357.5
1,354.0
1,396.0
1,437.1
1,363.7
1,335.6
1,285.3
Tangible Fixed Assets Cost
3,770.1
—
—
—
—
—
—
—
—
Accumulated Depreciation of Tangible Fixed Assets
-2,339.9
—
—
—
—
—
—
—
—
Intangible Fixed Assets
539.8
549.6
491.8
519.8
545.1
586.8
542.4
590.8
631.0
Intangible Fixed Assets Cost
2,237.4
—
—
—
—
—
—
—
—
Accumulated Depreciation of Intangible Fixed Assets
-1,697.5
—
—
—
—
—
—
—
—
Other Assets
43,081.1
39,136.9
35,833.1
27,614.8
50,333.8
27,275.9
32,061.3
48,068.1
48,381.4
Accounts Receivables
17,321.8
17,522.7
14,985.9
9,458.3
33,497.1
11,411.3
15,969.6
31,411.1
31,229.2
Interest and Fee Receivables
18,141.3
14,279.2
13,522.7
10,431.6
9,210.5
8,384.1
8,299.6
8,522.2
8,952.8
Deferred Income Tax Assets
1,229.7
1,143.7
1,139.5
1,161.4
1,198.7
1,195.8
1,305.0
1,304.0
1,301.3
Other Assets (Miscellaneous)
6,579.3
6,381.7
6,405.5
6,816.4
6,687.0
6,547.7
6,795.0
7,027.4
7,076.7
Provision for Risks in Other Assets
-190.9
-190.4
-220.5
-252.9
-259.3
-263.0
-307.8
-196.7
-178.7
Total Assets
1,372,010.0
1,260,149.6
1,178,298.6
1,104,718.5
994,036.7
923,847.6
858,884.6
864,392.0
822,367.0
Due to Government and Borrowings from the State Bank of Vietnam
1,063.5
15.3
38.0
4,346.1
939.6
5.7
26.0
387.9
111.9
Placements and Borrowings from Other Credit Institutions
311,527.9
295,199.5
283,240.3
229,364.7
186,491.2
201,756.4
167,416.1
178,580.7
153,846.6
Placements from Other Credit Institutions
149,661.0
140,778.8
134,763.0
118,204.8
89,678.4
111,863.2
80,189.0
81,845.9
77,529.9
Borrowings from Other Credit Institutions
161,866.8
154,420.7
148,477.3
111,159.9
96,812.8
89,893.2
87,227.1
96,734.8
76,316.7
Deposits from Customers
682,719.4
628,044.6
585,833.0
600,774.2
552,374.0
485,666.5
475,782.3
471,348.6
455,817.5
Derivatives and Other Financial Liabilities
1,025.3
843.4
1,089.7
572.8
—
28.1
1,266.0
1,023.3
—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans
38.3
16.4
10.8
7.5
9.2
10.9
13.0
15.5
18.4
Valuable Papers Issued
138,840.0
107,120.7
106,091.1
83,140.6
78,789.0
66,975.7
50,941.5
54,199.7
46,344.4
Other Liabilities
50,191.0
48,634.1
42,450.2
34,330.0
24,220.4
22,129.0
21,199.6
20,769.1
23,290.9
Interest and Fee Payables
17,139.2
15,150.5
12,763.0
12,822.0
11,502.7
10,415.0
8,167.2
9,303.6
11,785.4
Other Liabilities (Miscellaneous)
32,967.2
33,454.6
29,665.1
21,486.3
12,686.6
11,687.5
12,895.4
11,326.5
11,439.4
Total Liabilities
1,185,405.2
1,079,874.0
1,018,753.3
952,535.8
842,823.3
776,572.4
716,644.7
726,324.8
679,429.6
Capital and Reserves
186,604.8
180,275.6
159,545.3
152,182.7
151,213.4
147,275.3
142,239.9
138,067.1
142,937.4
Capital
103,331.8
103,331.8
103,330.6
103,331.8
103,331.8
103,331.8
103,331.8
103,331.8
103,331.8
Charter Capital
79,339.2
79,339.2
79,339.2
79,339.2
79,339.2
79,339.2
79,339.2
79,339.2
79,339.2
Share Premium
23,992.5
23,992.5
23,991.4
23,992.5
23,992.5
23,992.5
23,992.5
23,992.5
23,992.5
Reserves
18,612.3
18,601.9
14,583.8
14,574.8
14,569.4
14,565.6
11,675.2
11,675.1
12,233.3
Undistributed Earnings after Tax/Accumulated Loss
52,157.6
45,969.6
36,056.7
28,790.2
27,901.4
24,007.6
22,284.7
18,248.5
22,632.7
Minority Interest
12,503.1
12,372.3
5,574.1
5,485.9
5,410.8
5,370.3
4,948.2
4,811.7
4,739.7
Total Liabilities and Equity
1,372,010.0
1,260,149.6
1,178,298.6
1,104,718.5
994,036.7
923,847.6
858,884.6
864,392.0
822,367.0
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
28,133.3
29,064.3
23,762.0
22,183.0
21,247.3
21,312.3
19,303.7
20,058.2
19,087.3
Payments for Interest and Similar Expenses
-12,312.9
-10,929.9
-10,950.1
-8,470.2
-7,614.3
-6,262.1
-8,228.5
-9,861.2
-9,775.4
Receipts from Fee and Commission Income
2,099.9
2,635.2
1,764.7
1,289.5
1,241.7
1,847.9
1,446.1
2,025.5
1,565.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities
-1,055.9
-22.6
974.1
357.4
284.7
466.6
63.1
493.3
355.4
Receipts from Other Income
608.1
345.7
268.9
362.9
8.9
104.0
-50.9
-102.4
-149.4
Receipts from Collection of Written-off Debts
873.2
2,830.6
1,144.3
882.0
855.6
2,323.1
1,576.5
1,302.2
373.0
Payments for Staff Costs and Operating Expenses
-5,358.4
-4,927.5
-4,023.6
-4,612.6
-3,345.5
-3,953.3
-3,214.3
-3,269.6
-3,073.4
Corporate Income Tax Paid
-4,560.3
-92.5
-930.0
-574.4
-2,530.9
-290.8
-598.7
-1,065.8
-1,548.5
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities
8,427.0
18,903.4
12,010.3
11,417.8
10,147.6
15,547.7
10,297.0
9,580.2
6,834.6
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions
999.2
10,045.9
-2,309.5
-12,792.9
5,000.3
8,127.2
14,920.5
-9,735.3
-8,634.1
(Increase)/Decrease in Trading Securities and Investment Securities
-2,868.8
-10,671.0
8,011.5
-11,260.7
-6,947.7
2,717.8
2,360.8
22,571.9
11,869.5
(Increase)/Decrease in Derivatives and Other Financial Assets
—
—
—
—
-61.3
—
—
—
-582.8
(Increase)/Decrease in Loans and Advances to Customers
-96,572.7
-48,119.2
-67,582.9
-94,891.4
-38,378.7
-59,212.7
-11,406.2
-42,328.9
-16,421.6
(Decrease)/Increase in Provisions for Damages
-5,416.3
-6,062.9
-6,008.0
-4,756.6
-5,219.0
-5,215.4
-5,434.5
-7,596.0
-5,265.4
(Increase)/Decrease in Other Operating Assets
-112.0
-2,800.0
-5,191.8
18,959.7
-22,224.0
4,692.7
15,539.0
-284.2
2,889.6
Increase/(Decrease) in Due to Government and Borrowings from State Bank
1,048.2
-22.7
-4,308.1
3,406.6
933.9
-20.3
-361.9
276.1
-4,006.4
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions
16,328.3
11,959.2
53,875.6
42,873.5
-15,265.2
34,340.3
-11,164.6
24,734.1
-2,510.0
Increase/(Decrease) in Deposits from Customers
54,674.8
42,211.6
-14,941.1
48,400.2
66,707.4
9,884.2
4,433.7
15,531.1
13,449.1
Increase/(Decrease) in Valuable Papers Issued
31,719.4
1,029.6
22,950.5
4,351.6
11,813.3
16,034.2
-3,258.2
7,855.4
-1,443.0
Increase/(Decrease) in Funds Received from Government and Institutions
21.9
5.6
3.3
-1.7
-1.7
-2.1
-2.5
-2.9
-3.7
Increase/(Decrease) in Derivatives and Other Financial Liabilities
181.9
-246.3
516.9
572.8
-28.1
-1,238.0
242.8
1,023.3
-0.4
Increase/(Decrease) in Other Operating Liabilities
3,714.8
902.1
7,017.0
8,462.9
2,074.1
-1,821.2
780.5
-313.4
-1,534.1
Net Cash Flows from Operating Activities
12,145.7
17,135.0
4,043.8
14,803.1
8,550.8
23,834.3
16,946.3
21,894.2
-5,358.6
Purchase of Fixed Assets
-21.7
-71.3
-14.0
18.2
-64.0
-56.3
-1.5
-0.5
-1.0
Receipts from Disposal of Fixed Assets
0.6
0.6
-0.0
0.7
8.2
-0.1
0.9
0.0
0.9
Payments for Disposal of Fixed Assets
—
-2.2
—
—
—
0.0
-0.3
—
—
Dividends and Profit Received
3.1
16.0
11.9
7.3
—
9.7
3.1
—
—
Net Cash Flows from Investing Activities
-18.0
-57.0
-2.1
26.2
-55.8
-46.7
2.2
-0.5
-0.1
Receipts from Equity Issue and Owner Capital Contribution
—
12,618.8
—
—
—
—
—
—
—
Dividends Paid and Profits Distributed to Owners
—
0.0
0.0
-3,968.2
—
-0.7
0.0
-7,935.1
—
Net Cash Flows from Financing Activities
—
12,618.8
0.0
-3,968.2
—
-0.7
0.0
-7,935.1
—
Net Cash Flows during the Period
12,127.7
29,696.8
4,041.6
10,861.1
8,495.0
23,786.9
16,948.5
13,958.6
-5,358.7
Cash and Cash Equivalents at Beginning of the Period