Introduction of Bao Minh Insurance Corporation

Introduction of Bao Minh Insurance Corporation

Company’s Name: Bao Minh Insurance Corporation

Abbreviated Name: BAO MINH

Head office: 26 Ton That Dam Street, District 1, Ho Chi Minh City

Tel: (848) 8294180

Fax: (848) 8294185; 8213653

Website: http://www.baominh.com.vn

Incorporation and

Operation form :

Date of incorporation: 28 November 1994

From 1994-2004: 100% State-owned enterprise under the Ministry of Finance.

From October 2004 – up till now: joint-stock insurance enterprise

Oriented operations: -General aims: “To build and develop Bao Minh into a leading joint-stock insurance corporation of Vietnam with multi-sectorial operations in the field of financial services with good brand name, high prestige and large market share for insurance business”

- Guideline of actions: “Safety, happiness and success of clients and society serves as the aim of our operations”

- Motto of operations: Bao Minh – whole-hearted service.

Chartered capital: VND1,100 billion

Total assets 2006: VND1,439 billion

Scope of activities: - Provide non-life insurance and carry out financial investment mainly shared by the State (63% by the Ministry of Finance and more than 20% by other State-owned enterprises)

- Provide consultancy and provision of about 20 groups of insurance commercial products for aviation, maritime, property, liability, casualty, automobile, and business activities throughout the country

Personnel: More than 1,700 staffs; more than 8,000 agents and collaborators

Organization: -57 subsidiary companies in major cities and provinces throughout the country

-16 functional departments under the Head Office of the Corporation

Market share: Bao Minh 2006’s market share: 21.80%

(ranking second in the market)

Business result gross premium income: VND1,386 billion

in 2006 After-tax profit: VND101 billion

Budget contribution: VND92.8 billion

Investment: Long-term investment

1- At present, Bao Minh is in joint venture with Union Insurance Company (UIC) which was set up in 1997 with the total investment of US$5,550,000.

2- Capital is contributed by Bao Minh to a number of joint-stock companies such as Post Insurance Company, Saigon-Kim Lien Hotel, Saigon – Ha Long Hotel, Ninh Chu Hotel, Khanh Hoa Passenger Car Company, National Appraisal Company, Ho Chi Minh City Security Company, Tay Ninh Travel Company with the total fund of VND22,560 billion.

3. Bao Minh participates in investment of bonds, government bonds, long term bills.

Short-term investment

1. Fixed term bank deposits

2. Lending, real estate business

3. Total investment by the year end of 2006 is VND800 billion.

Quality policy: - Bao Minh is the first insurer of Vietnam who has successfully built the quality management system according to ISO 9001:2000 standard.

- Bao Minh has made investment to the development of information technology.

- Bao Minh has successfully carried out the project FAST – SAP (financial management with accounting software).

Insurance companies seek permission

VNECONOMY updated: 26/06/2007

A lot of insurance companies have asked for permission to increase capital to improve their financial capability, according to the Ministry of Finance.

The applications all were made to the Ministry of Finance in the first quarter of 2007. Insurers asking to increase capital included Bao Viet, Bao Minh, Vinare, Bao Long, Vien Dong, BIC, and newly licenced companies like Toan Cau, Bao Nong, Bao Tin.

Insurers are rushing to increase their capital in order to have the capital levels stipulated by Government Decree 45. The decree, dated March 27, 2007, says that non-life insurance companies must have at least VND300bil in legal capital (the previously applied level was VND70bil), while life insurance companies must have at least VND600bil in legal capital instead of VND140bil. Brokerage insurance companies must have the minimum legal capital of VND4bil.

The insurance companies which have been previously established and do not have the required capital level must raise their capital within three years after the date the decree went into effect.

However, according to Phung Dac Loc, Secretary General of the Vietnam Insurance Association, the strict requirements stipulated in the decree are not the main reasons insurers want to increase their capital. In fact, insurers want to become stronger to get ready for the fierce competition to come.

Among the companies, BIC (BIDV Insurance Company) has asked for the biggest capital increase. BIDV, the mother bank, has decided to inject VND300bil more in the insurance company to raise the chartered capital of the insurer to VND500bil in June 2007.

Pham Quang Tung, BIC Director, said that the required capital levels might be high for local companies, but they proved to be relatively low compared to those of companies in regional countries. Insurers need to increase their capital in order to become financially stronger.

Mr Tung said that with the stock market’s development, it was not a difficult task nowadays to increase capital.

Source: Thời báo Kinh tế Sài Gòn

United Insurance Company of Vietnam (UIC)

Website: http://www.uicvn.com Vietnam economy has made strong progress on its way for globalization and economic integration. The recent WTO-membership has brought new opportunities to Vietnam and on the other hand new challenges. To bring Vietnam economy to a higher development for the purpose of regional and international economic integration has always been the common target of all economic sectors in general and insurance segment in particular. Through life-safety brought to individuals and financial safety to business operations of enterprises in the past years, insurance segment has showed its inherently important part in promotion of economic development. Particularly with the aim to meet requirements of the current strong economic integration, insurance market has become potential than ever.

Following this common target, United Insurance Company of Vietnam (UIC) with its great efforts has made contribution to the development of the young insurance segment of Vietnam. So far UIC has achieved persistent and stable development and will celebrate its 10th anniversary in the coming time. With the motto “Service quality is the measure of success” it’s the pride of UIC to have provided its clients insurance products of best service quality. Operating as a foreign-invested insurance enterprise, UIC has always achieved big share in the non-life insurance market thanks to its experienced, enthusiastic working team. Not limited in the business coming from Japanese investors, scope extension of clients always stand in the middle point of UIC strategy.

Services » Reinsurance service

Reinsurance service To most people, risk might occur and if it did, the outcome might not be favourable to us and/or not an outcome as preparation to look forward. From this point of view, the Insurance companies need to buy reinsurance. The nature of the insurance is a risk transfer mechanism. As the same as another insurance company in the market, UIC have put reinsurance transaction in their business operation and look at it as importance function of its generation. To keep the best reinsurance scheme as well as the company’s retention, we have set up the good relationship with Reinsurers for both reinsurance treaty and reinsurance facultative. We have very strongly support from Japanese Reinsurer such as Sompo Japan Ins. and Mitsui Sumitomo etc. And we also have got the support from world famous companies such as Munich Re, Swiss Re, Partner Re, Hannover Re, CCR etc. From this backup market, we always ensure the proper placement for our big insured accounts. In addition, we always develop and maintain regular contact with other Insusurer and Reinsurer in the local market and in the region to prepare acceptance of facultative reinsurance inwards from these sources.

Services » Loss Prevention Survey and Risk Manangement

Loss Prevention Survey and Risk Manangement A.Overview Fire and other loss consequences, which can involve property damage, business interruption, life safety hazards, environmental issues, damage to corporate image, and lack of future profitability, can present a major threat to corporate goals and survival. Recognition of these consequences has prompted the development of a program of management structure for loss prevention and control in many corporations that being established and implemented by UIC for safety purposes to the customers nationwide. The positive results brought from the risk management program became more and more steady proving by increasing safety awareness for risk management and loss control of the customers during their production process and prestige of UIC becamehigher appreciated as a reliable insurer. That is a favorable condition to enable successful underwriting results. C. Risk management Through the risk surveys services, UIC wants to provide the valuable judgments involved in establishing acceptable levels of risk and methods of handling identified risks. The acceptable risk decision making process is based on specific organizational goals and generally includes the following: - Identifying the visible risks as well as potential hazards of fire against properties and human life before and during industrial production. - Identifying the risks of machinery breakdown, products and ex-import goods may occur in the business activities. - Giving precise evaluation on existing situation of the fire protection system and technical infrastructure of the insured enterprises and providing proper judgment on the capability and readiness for fire protection according to the actual scale and type of production of each business. - Providing proper recommendations for improving fire protection system and suitable advises on effective fire fighting methods to the insured. D. Establishing and implementing loss control program Loss control program after being established will be recommended to the insured. If the program is approved, it will be assigned to the Head of Safety Committee (or Head of loss control dept.) to build a detail plan for implementation. In process of implementation of the program, the company often receives monitoring, consultancy and training services from UIC about loss control properly according to each type of business. The content of the loss control program includes: Overall supervision Defining loss control program function, clarifying responsibilities, and ensuring that all procedures are properly carried out. Building Planning: Anticipating hazards, and formulating plans and procedures for fire prevention and overall plant safety. Education and training: Providing employee training in fire prevention and other loss security activities according to different risk scenarios. Making sure that all production processes and operations are carried out safely, and that contractors follow safe procedures according to company regulations. B.Goals of the risk management and loss control program With great cares for the benefits of the customers, UIC always wish to go hand in hand with them to reach the following goals: • Profit (competitive market position); • Protection of company assets (major loss exposures); • Continued company operation (business interruption); • Continued growth (expansion); • Humanitarian concerns (employee and public safety); (expansion); • Community goodwill (potential embarrassment); • Legal requirements (liability, building codes, etc); • Insurance company requirements; and • Environmental concerns

Deposit Insurance of Viet Nam

Brief Introduction

Website: http://www.div.gov.vn

Established pursuant to the Decision No.218/1999/QD-TTg dated Nov 9th 1999 the Deposit Insurance of Viet Nam (DIV officially inaugurated in Jul 7th 2000. DIV is of a State-owned and non-profit Financial Institution as said in the Decision of the Government of Viet Nam. DIV’s objective is to safegard the depositors' legal rights and interests in order to contribute to the stability of insured institutions and to the safe and healthy development of banking activities.

Though it is a newly established, after 5 years DIV, under the close direction of the Government, with the effective cooperation and support from Ministries, Executive Committees, local Authorities, the State Bank of Viet Nam and other State Bank of Viet Nam’s units, especially under the direct guidance of the Governor of State Bank of Viet Nam, DIV has made a great progress and overcome many difficulties in its way to development. DIV has remarkably and importantly contributed to the process of reform of Viet Nam and to the banking sector in particular. To this day, DIV has been asserting itself as well as the judicious decision to set up a new financial institution, which is indispensable in the financial system of the country in the context of market economy and regional and international economic integration.

On the occasion of the 5th anniversary, to get valuable and objective insights from various aspects to assess the achievements, difficulties and obstacles as well as to formulate and implement the development strategy of DIV in the future, the Board of Directors and the Executive Committee of DIV have decided to issue the yearbook "The Deposit Insurance of Vietnam - 5 years of construction and growth". On this occasion, DIV would like to express its sincerest thanks to the Government; the Board of Governors of the SBV; ministries; local executive committees and governments; and all the departments of the SBV for their valuable assistance given to DIV so far. We are looking forward to your continuous attention and assistance in the time to come.

We have put every effort into this publication to avoid errors and/or misunderstanding and would highly appreciate any comment from readers in order to make it better.

DO KHAC HAI

President, DIV Board of Directors

Scope and Line of Business

* Deposit Insurance of Vietnam (DIV) is a State-owned Financial Institution of the Socialist Republic of Vietnam established in accordance with the Decision No.218/1999/QD-TTg dated November 9th 1999 to safegard the depositors’ legitimate rights and interests, to contribute to maintaining the stability of insured deposit Institutions and ensure the safe and sound development of the banking industry.

* Legal capital: 1,000 billions VND, allocated by the Government budget.

* DIV’s organization and activities is currently said in the Regulations on organization and operations of Deposit Insurance of Vietnam issued along with the Decision No.75/2000/QD-TTg dated June 28th 2000 of the Government’s Prime Minister.

Business Network

1. Hanoi Regional Branch (22 Lang Ha Street, Dong Da, Hanoi) established under the Decision No.108/2001/QD-HDQT dated December 26th 2001 of Board of Management of Deposit Insurance of Vietnam.

2. Ho Chi Minh City Branch (39 Nguyen Cong Tru Street, District 1, Hochiminh City) established under the Decision No.014/2000/QD-HDQT dated December 1st 2000 of Board of Management of Deposit Insurance of Vietnam.

3. Mekong Delta Regional Branch (92-94 Nguyen Thai Hoc Street, District Ninh Kieu, Can Tho City) established under the Decision No.13/2001/QD-HDQT dated April 2nd 2001 of Board of Management of Deposit Insurance of Vietnam.

4. South Central and Highlands Regional Branch (5 Hung Vuong Street, Nha Trang, Khanh Hoa Province) established under the Decision No. 43/2001/QD-HDQT dated July 11th 2001 of Board of Management of Deposit Insurance of Vietnam.

5. North Central Regional Branch (21 Alley A4, Hermann Gmeiner, Vinh City, Nghe An Province) established under the Decision No.105/2002/QD-HDQT dated June 25th 2002 of Board of Management of Deposit Insurance of Vietnam.

6. North Eastern Regional Branch (276A, Da Nang, Ngo Quyen, Hai Phong) established under the Decision No.59/2001/QD-HDQT dated August 20th 2001 of Board of Management of Deposit Insurance of Vietnam.

Depository Institutions

List of Insured Commercial Banks

NO.	INSURED DEPOSITORY INSTITUTIONS	INS. CERT. NO.	DATE OF ISSUE	ADDRESS
	STATE OWNED COMMERCIAL BANK
1	Bank for Investment and Development of Viet Nam	00001.0001.1	09/11/06	Vincom City Tower A, 191 Ba Trieu, Ha Noi
2	Vietnam Bank for Agriculture and Rural Development	00003.0001.1	11/11/06	No. 2, Lang Ha St., Dong Da District, Ha Noi
3	Bank for Foreign Trade of Viet Nam	00005.0001.1	30/10/06	198 Tran Quang Khai St., Hoan Kiem District, Ha Noi
4	Industrial and Commercial Bank of Viet Nam	00004.0001.1	16/11/06	108 Tran Hung Dao St., Hoan Kiem District, Ha Noi
5	Mekong Delta Housing Development Bank	00002.0001.1	09/11/06	9 Vo Van Tan, District 3, HCM City
	URBAN COMMERCIAL JOINT STOCK BANK
1	Ha Noi Building Commercial Joint Stock Bank	00010.0001.1	27/10/06	B7 Giang Vo, Ba Dinh District, Ha Noi
2	MarineTime Commercial Joint Stock Bank	00020.0001.1	23/10/06	44 Nguyen Du, Hai Ba Trung District, Ha Noi
3	Sai Gon Commercial Joint Stock Bank	00014.0001.1	23/10/06	278 Nam Ky Khoi Nghia, District 3, HCM City
4	Eastern Asia Commercial Joint Stock Bank	00011.0001.1	13/11/06	130 Phan Dang Luu, Phu Nhuan District, HCM City
5	Export Import Commercial Joint Stock Bank	00021.0001.1	27/10/06	7 Le Thi Hong Gam, District 1, HCM City
6	Southern Asia Commercial Joint Stock Bank	00017.0001.1	06/11/06	98 Bis Ham Nghi, Nguyen Thai Binh Precinct, District 1, HCM City
7	Asia Commercial Joint Stock Bank	00013.0001.1	09/10/06	442 Nguyen Thi Minh Khai, District 3, HCM City
8	Sai Gon Industrial and Commercial Joint Stock Bank	00018.0001.1	06/11/06	2C Pho Duc Chinh, District 1, HCM City
9	Viet Nam Commercial Joint Stock Bank for Private Enterprises	00007.0001.1	27/10/06	8 Le Thai To St., Hoan Kiem District, Ha Noi
10	Technological and Commercial Joint Stock Bank	00009.0001.1	27/10/06	15 Dao Duy Tu St., Hoan Kiem District, Ha Noi
11	Military Commercial Joint Stock Bank	00008.0001.1	15/11/06	3 Lieu Giai, Cong Vi Precinct, Ha Noi
12	Northern Asia Commercial Joint Stock Bank	00025.0001.1	06/11/06	117 Quang Trung, Vinh City, Nghe An
13	Viet Nam International Commercial Joint Stock Bank	00006.0001.1	09/10/06	64-68 Ly Thuong Kiet St., Hoan Kiem District, Ha Noi
14	Southeast Asia Commercial Joint Stock Bank	00023.0001.1	06/11/06	16 Lang Ha St., Ba Dinh District, Ha Noi
15	Global Commercial Joint Stock Bank	00026.0001.1	23/08/06	21 Phan Chu Trinh, Hoan Kiem District, Ha Noi.
16	HCM City Housing Development Joint Stock Bank	00019.0001.1	04/10/06	33-39 Pasteur, District 1, HCM City
17	An Binh Commercial Joint Stock Bank	00983.0001.1	19/10/06	47 Dien Bien Phu, District 1, HCM City
18	Thai Binh Duong Commercial Joint Stock Bank	00997.0001.1	04/10/06	340H - 340K Hoang Van Thu, Precinct 4, Tan Binh District, HCM City
19	Gia Dinh Commercial Joint Stock Bank	00016.0001.1	19/10/06	68 Bach Dang, Precinct 24, Binh Thanh District, HCM City
20	Phuong Nam Commercial Joint Stock Bank	00015.0001.1	09/11/06	279 Ly Thuong Kiet, Precinct 15, District 11, HCM City
21	First Commercial Joint Stock Bank	00022.0001.1	23/10/06	715 Tran Hung Dao St., District 5, HCM City
22	Phuong Dong Commercial Joint Stock Bank	00844.0001.1	27/10/06	45 Le Duan, Ben Nghe District, HCM City
23	Sai Gon Commercial Joint Stock Bank	00012.0001.1	05/10/06	193 - 203 Tran Hung Đao, Co Giang Precinct, District 1, HCM City
24	Sai Gon - Ha Noi Commercial Joint Stock Bank	00998.0001.1	23/10/06	138, 3/2 Boulevard, Hung Loi Precinct, Ninh Kieu Dist., Can Tho City
25	Nam Viet Commercial Joint Stock Bank	00027.0001.1	25/09/06	39-41-43 Ben Chuong Duong, District 1, HCMC
26	Viet A Commercial Joint Stock Bank	00024.0001.1	05/10/06	119-121 Nguyen Cong Tru, District 1, HCM City
	RURAL COMMERCIAL JOINT STOCK BANK
1	Hai Hung Rural Commercial Joint Stock Bank	00032.0001.1	06/11/06	199 Nguyen Luong Bang, Thanh Binh Precinct, Hai Duong City
2	Dai A Rural Commercial Joint Stock Bank	00028.0001.1	19/10/06	152 Cach Mang Thang 8, Bien Hoa, Dong Nai Province
3	Rach Kien Rural Commercial Joint Stock Bank	00029.0001.1	23/10/06	01 Long Hoa Town, Can Duoc, Long An
4	Dong Thap Muoi Rural Commercial Joint Stock Bank	00030.0001.1	27/10/06	132-134 Nguyen Hue, Precinct 2, Cao Lanh, Dong Thap Province
5	My Xuyen Rural Commercial Joint Stock Bank	00031.0001.1	15/11/06	248 Tran Hung Dao, Long Xuyen, An Giang Province
6	Mien Tay Rural Commercial Joint Stock Bank	00987.0001.1	27/10/06	127 Ly Tu Trong, Ninh Kieu District, Can Tho City
7	Kien Long Rural Commercial Joint Stock Bank	00033.0001.1	27/10/06	44 Pham Hong Thai, Rach Gia City, Kien Giang Province

Updated on 29/12/2006

Depository institutions

List of Insured Joint Venture Banks

NO.	INSURED DEPOSITORY INSTITUTIONS	INS. CERT. NO.	DATE OF ISSUE	ADDRESS
	JOINT VENTURE BANK
1	VID Public Bank	00034.0001.1	19/10/06	7th Fl., 53 Quang Trung, Hai Ba Trung District, Ha Noi
2	Indovina Bank	00036.0001.1	25/09/06	39 Ham Nghi, District 1, HCM City
3	Shinhanvina Bank	00999.0001.1	04/10/06	3-5 Ho Tung Mau, District 1, HCM City
4	Vina Siam Bank	00035.0001.1	23/10/06	2 Pho Duc Chinh, Nguyen Thai Binh Precinct, District 1, HCM City

Updated on 29/12/2006

Depository Institutions

List of Insured Foreign Bank Branches

NO.	INSURED DEPOSITORY INSTITUTIONS	INS. CERT. NO.	DATE OF ISSUE	ADDRESS
	FOREIGN BANK BRANCH
1	Natexis Banque Populaires	00048.0001.1	30/10/06	11 Cong Truong Me Linh, District 1, HCM City
2	ANZ Bank - Ha Noi Branch	00037.0001.1	27/10/06	14 Le Thai To St., Hoan Kiem District, Ha Noi
3	Standard Chartered Bank- Ha Noi Branch	00047.0001.1	23/10/06	49 Hai Ba Trung, Ha Noi
4	Citibank - Ha Noi Branch	00913.0001.1	27/10/06	17 Ngo Quyen St., Ha Noi
5	Chinfon Bank - Ha Noi Branch	00039.0001.1	05/10/06	14 Lang Ha St., Ha Noi
6	Malayan Banking Berhad	00038.0001.1	19/10/06	608 - 63 Ly Thai To, Hoan Kiem District, Ha Noi
7	Bangkok Bank - HCM City Branch	00040.0001.1	27/10/06	35 Nguyen Hue, District 1, HCM City
8	Shinhan Bank - HCM City Branch	00044.0001.1	05/10/06	41 Nguyen Thi Minh Khai, 7th Floor, District 1, HCM City
9	Hong Kong & Shanghai Banking Corp - Ha Noi Branch	00966.0001.1	05/10/06	Sun Red River Building, 23 Phan Chu Trinh, Ha Noi
10	Hong Kong & Shanghai Banking Corp - HCM City Branch	00042.0001.1	05/10/06	1st Fl., Metropolitan Building, 235 Đong Khoi, District 1, HCM City
11	United Overseas - HCM City Branch	00041.0001.1	30/11/06	17 Le Duan, District 1, HCM City
12	Deutsche Bank AG - HCM City Branch	00046.0001.1	23/10/06	Sai Gon Center, 65 Le Loi, District 1, HCM City
13	Bank of China - HCM City Branch	00045.0001.1	23/10/06	19th Fl., Sun Wah Tower, 115 Nguyen Hue, District 1, HCM City
14	Calyon Bank - HCM City Branch	00957.0001.1	19/10/06	4th Fl., Somerset Chancellor, 21-23 Nguyen Thi Minh Khai, District 1, HCM City
15	The Bank of Tokyo Mitsubishi UFJ - HCM City Branch	00989.0001.1	27/10/06	8th Fl., Land Mark Building, 5B Ton Duc Thang, District 1, HCM City
16	Mega International Commercial Bank - HCM City Branch	00043.0001.1	25/09/06	1st Fl., Land Mark Building, 5B Ton Duc Thang, District 1, HCM City
17	Woori Bank - Ha Noi Branch	00928.0001.1	23/10/06	11th Fl., Daeha Commercial Centre, 360 Kim Ma, Ha Noi
18	Korean Exchange Bank - Ha Noi Branch	00914.0001.1	19/10/06	14th Fl., Daeha Commercial Centre, 360 Kim Ma, Ha Noi
19	Lao - Viet Joint Venture Bank, Ha Noi Branch	00930.0001.1	06/11/06	17B Han Thuyen, Hai Ba Trung Dist., Ha Noi
20	China Trust Bank - HCM City Branch	00931.0001.1	04/10/06	Room 116, 37 Ton Duc Thang, District 1, HCM City
21	First Commercial Bank HCM City Branch	00939.0001.1	05/10/06	2nd Fl., 88 Đong Khoi, District 1, HCM City
22	Far East National Bank - HCM City Branch	00963.0001.1	04/10/06	24/4A Ton Duc Thang, District 1, HCM City
23	Cathay United Bank - Chu Lai Branch	00982.0001.1	05/10/06	123 Tran Quy Cap, Tam Ky, Quang Nam Province
24	Malayan Banking Berhad - HCM City Branch	00981.0001.1	05/10/06	Room 906 , 115 Nguyen Hue, District 1, HCMC
25	Sumitomo Mitsui Banking Corp - HCMC Branch	00995.0001.1	04/10/06	9th Fl., 5B Ton Duc Thang, District 1, HCM City
26	Standard Chartered Bank- HCMC Branch	01000.0001.1	23/10/06	2nd Fl., Sai Gon Center, 65 Le Loi, District 1, HCMC
27	Lao - Viet Joint Venture Bank, HCM City	00941.0001.1	23/10/06	181 Hai Ba Trung, District 1, HCM City
28	BNP Parisbas - HCM City Branch	01005.0001.1	23/10/06	29 Le Duan, District 1, HCM City
29	Woori Bank - HCM City Branch	00988.0001.1	19/10/06	1808, Sun Wah Tower, 115 Nguyen Hue, HCMC
30	Mizuho Corporate Bank - Ha Noi Branch	01017.0001.1	25/09/06	4th Fl., 63 Ly Thai To, Ha Noi
31	Hun Nan Commercial Bank - HCMC Branch	01025.0001.1	15/11/06	1st Fl., IWA Square, 10A-B Cong Quynh, District 1, HCM City

Updated on 29/12/2006

Depository Institutions

PEOPLE'S CREDIT FUNDS
Head-offices Ha Giang Province Yen Bai Province Lao Cai Province Son La Province Hung Yen Province Nam Dinh Province Ninh Binh Province Ha Nam Province	Hanoi Regional Branch Ha Tay Province Vinh Phuc Province Hoa Binh Province Phu Tho Province Bac Ninh Province Bac Giang Province Ha Noi City
North Eastern Regional Branch Hai Phong City Hai Duong Province Thai Binh Province North Central Regional Branch Thanh Hoa Province Nghe An Province Ha Tinh Province Quang Binh Province Quang Tri Province Thua Thien Hue Province	South Central Regional Branch Quang Ngai Province Binh Dinh Province Phu Yen Province Khanh Hoa Province Ninh Thuan Province Gia Lai Province Kon Tum Province Dac Lac Province Dak Nong Province Quang Nam Province
Ho Chi Minh City Branch Dong Nai Province Ba Ria - Vung Tau Province Long An Province Binh Thuan Province Lam Dong Province Tien Giang Province Ben Tre Province Tay Ninh Province Binh Duong Province Binh Phuoc Province Ho Chi Minh City

Depository Institutions

List of Insured Financial Companies

NO.	INSURED DEPOSITORY INSTITUTIONS	INS. CERT. NO.	DATE OF ISSUE	ADDRESS
	FINANCIAL COMPANY
1	Garment Financial Company	941		41 Ben Chuong Duong, District 1, HCM City
2	Rubber Financial Company	30		210 Nam Ky Khoi Nghia, District 3, HCM City
3	Ship Building Industry Financial Company	1029		Hoan Kiem, Ha Noi
4	Petroleum Financial Company	1034		34B Han Thuyen, Hai Ba Trung District, Ha Noi
5	Leasing Company No. 2 - AgriBank	1069		422 Tran Hung Dao, HCM City