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institutions providing payment services, securities companies; securities
investment fund management companies, etc. under the forms of demand
deposits, term deposits, saving deposits and other forms of 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

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