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Financial statements

Updated: 2016-12-14 10:10:44

Audited financial statement in 2008

BALANCE SHEET 2008

Unit: million dong

*Assets*	31/12/2006	31/12/2007	31/12/2008
Cash in hand	18,217	29,681	43,592
Deposits at the State Bank of Vietnam	79,071	34,738	34,613
Deposits at domestic credit institutions.	403,075	333,808	748,744
Loans to domestic economic entities and individuals	22,723,394	33,150,153	50,318,994
Trust funds lending	1,091,985	1,491,901	1,935,030
Frozen loans	236,154	200,777	139,312
Assets	409,364	463,973	1,106,152
Other assets	445,929	350,556	369,676
Total assets	25,407,189	36,055,587	54,696,113
Liabilities
Borrowings from the State Bank of Vietnam	1,621,239	4,821,373	7,795,618
Borrowings from other credit institutions	12,533,665	16,946,387	29,710,720
Deposits of clients	1,682,140	1,999,170	986,735
Trust funds	1,203,492	1,656,160	2,102,710
Other liabilities	338,039	596,294	990,248
Liabilities subtotal	17,378,575	26,019,384	41,586,031
Equity and reserves
Charter capital	4,788,000	5,988,000	7,988,000
Others capital	3,114,129	3,803,691	4,761,911
Reserves	77,872	75,563	144,724
Total equity and reserves	7,980,001	9,867,254	12,894,635
Undistributed profit	48,613	168,949	215,447
Total liabilities	25,407,189	36,055,587	54,696,113

* Source:

- The year of 2006 and 2007: Audited Financial Reports by the State Audit of Vietnam;

- The year of 2008: Audited Financial Reports by the Chairman of Board of Directors of VBSP.

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LENDING INTEREST RATE

Poor Households
Lending to poor households	6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008	3,3%/year
Near Poor Households
Lending to near poor households	7,92%/year
Students
Lending to disadvantaged students	6,6%/year
People in need of loans for job creation
Lending to business establishments owned by war invalids and handicapped persons	3,3%/year
Others...

DEPOSIT INTEREST RATE