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deposits according to the rule with full repayment of principal and interest to
depositors as agreed.

Credit outstanding of credit institutions, foreign banks’ branches

a) Definition

Credit outstanding is the total outstanding at a given time of credits granted
by credit institutions, foreign banks’ branches to Vietnamese legal entities and
individuals that are residents of Viet Nam in non-financial institution sector,
household institution sector, non-profit institutions sector serving households,
financial institutions that are not credit institutions such as Deposit Insurance of
Viet Nam; Viet Nam Social Insurance; Investment and development funds of
centrally-managed provinces and cities; insurance companies; Credit guarantee
fund for small and medium enterprises; organizations other than credit institutions
providing payment services, securities companies; securities investment fund
management companies, etc. in the form of: Lending, discount, rediscount
negotiable instruments and other valuable papers; financial leasing; factoring;
payments on behalf of customers in cases guaranteed customers fail to fulfill their
obligations when the payment is due; credit card issuance; purchase and
investment in corporate bonds (excluding VAMC bonds); and other credit
granting operations are approved by the State Bank of Viet Nam.

- Short-term credits are credits granted with a maximum term of 01 (one) year.

- Medium-term credits are credits with a term of over 1 (one) year and a
maximum of 05 (five) years.

- Long-term credits are credits granted with a term of more than 05 (five) years
b) Calculation

Balance of credits granted at the last working day of the reporting period of
credit institutions, foreign banks' branches to legal entities, individuals being
residents of Vietnam in non-financial institution sector, household institution sector,
non-profit institution sector serving households by currency (VND, foreign
currency), by term (short, medium and long term).

INSURANCE

Social insurance refers a guarantee to replace or partially compensate
employees' income when his/her income is reduced or lost due to illness,

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