W&S Company Limited is one of top online market research service providers in Vietnam.

Since 2011, we have established our actively managed panel "Vinaresearch" and it has reached the number of over 128,204 members in August 2013.

BANK AND INSURANCE SUB-PANEL

August 2013

This "Bank and Insurance Sub-panel" is conducted on 3,628 qualified respondents who have bank account or use Insurance service. Statistical results go through: 1. Bank account owner status 2. Type of bank card 2.1. Kind of credit card's payment system 2.2 Credit card providers used 2.3 Debit card providers used 2.4 Number of debit cards and credit cards owned 3.1 Insurance service participating 3.2 Current insurance service providers 1. Bank account owner status [SA] (n=4,195) Frequency 4,195 3,331 758 106 Percent 100% 79.4% 18.1% 2.5%

Total Have owned bank account Do not have any bank account I don't know 2. Type of bank card [MA] (n=3,331)

Total Debit card Credit card 2.1. Kind of credit card's payment system [MA] (n=411)

Frequency 3,331 3,224 411

Percent 100% 96.8% 12.3%

Total Visa MasterCard Merican Express JCB Cards Dinners Clubs Chase

Frequency 411 305 128 8 3 1 1

Percent 100% 74.2% 31.1% 1.9% 0.7% 0.2% 0.2%

2.2. Credit card providers used [MA] (n=411) Visa Total ACB Vietcombank Techcombank DongA Bank VietinBank BIDV Agribank Sacombank ANZ HSBC Others Frequency 305 64 52 51 26 19 17 16 16 12 8 43 Percent 100% 21.0% 17.0% 16.7% 8.5% 6.2% 5.6% 5.2% 5.2% 3.9% 2.6% 14.1% Total ACB Vietcombank VietinBank Techcombank DongA Bank Sacombank BIDV VP Bank Agribank MB Others MasterCard Frequency 128 25 24 13 9 9 7 5 5 4 4 27 Percent 100% 19.5% 18.8% 10.2% 7.0% 7.0% 5.5% 3.9% 3.9% 3.1% 3.1% 21.4%

2.3 Debit card providers used [MA] (n=3,224) Frequency 3,224 803 798 790 646 390 351 303 186 88 81 77 55 45 33 31 Percent 100% 24.9% 24.8% 24.5% 20.0% 12.1% 10.9% 9.4% 5.8% 2.7% 2.5% 2.4% 1.7% 1.4% 1.0% 1.0% Frequency SeABank VP Bank TienPhong Bank HDBank VietABank DaiA Bank HSBC SHB MHB SCB Southern Bank Standard Chartered SHINHAN BANK ANZ Others 29 26 23 22 18 18 17 16 14 14 14 11 7 7 86 Percent 0.9% 0.8% 0.7% 0.7% 0.6% 0.6% 0.5% 0.5% 0.4% 0.4% 0.4% 0.3% 0.2% 0.2% 2.8%

Total Agribank DongA Bank Vietcombank VietinBank BIDV ACB Techcombank Sacombank Maritime Bank Eximbank MB VIB VietBank OceanBank ABBANK

2.4 Number of debit cards and credit cards owned [Matrix SA] (n=3,331) Debit cards Frequency Total Only 1 2 3 4 5 Over 5 3,224 1,839 833 373 107 50 22 Percent 100% 57.0% 25.8% 11.6% 3.3% 1.6% 0.7% Credit cards Frequency 411 346 57 7 1 0 0 Percent 100% 84.2% 13.9% 1.7% 0.2% 0.0% 0.0%

3.1 Insurance service participating [SA] (n=4,195) Frequency 4,195 2,061 2,134 Percent 100% 49.1% 50.9%

Total Yes No 3.2 Current insurance service providers [MA] (n=2,061) Frequency 2,061 777 285 283 275 228 225 92 55 54 51 48 77 54 22 18 15 11 Percent 100% 37.7% 13.8% 13.7% 13.3% 11.1% 10.9% 4.5% 2.7% 2.6% 2.5% 2.3% 3.7% 2.7% 1.1% 0.9% 0.7% 0.5%

Frequency GIC IAI Korealife Great Easten PAC Liberty Nha Rong Samsung Vina UIC VAS VIA Avon VNI BHV QBE Groupama Others 9 9 8 7 7 7 7 6 6 4 3 2 2 2 1 1 18

Percent 0.4% 0.4% 0.4% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.2% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.9%

Total Vietnam AAA Prudential BaoViet PJICO Bao Minh Manulife Dai-ichi PVI PTI BIC AIG ACE Prvor AIA Cathay MIC

RESPONDENT PROFILE
Gender
Male Female 41.5% 27.5%

Age

13.5% 48.3% 51.7% 8.0% 5.1% 4.4%

16 - 19 years old

20 - 24 years old

25 - 29 years old

30 - 34 years old

35 - 40 years Over 40 years old old

Personal Income
Over 50,000,000 VND 40,000,001 - 50,000,000 VND 30,000,001 - 40,000,000 VND 25,000,001 - 30,000,000 VND 20,000,001 - 25,000,000 VND 15,000,001 - 20,000,000 VND 10,000,001 - 15,000,000 VND 7,500,001 - 10,000,000 VND 4,500,001 - 7,500,000 VND 3,000,001 - 4,500,000 VND 1 - 3,000,000 VND No income 16.5% 18.4% 17.9% 0.3% 0.2% 0.4% 0.6% 0.9% 2.9% 5.5% 12.2% 24.3%

Occupation
Employee of private enterprise Pupil / Student Contractual staff Self - employed Employee of state enterprise Governmental employee Teacher / Lecturer / Professor Part - timer Unemployed Doctor / Nurse / Pharmacist CEO / Manager Lawyer / Chief Accountant Housewife (Male / Female) Craftsman Others 8.2% 7.3% 7.2% 5.5% 4.9% 4.2% 1.9% 1.5% 1.5% 0.9% 0.9% 0.2% 1.1% 27.3% 27.3%

CONTACT INFORMATION
W&S Company Limited
Address: Floor 10, 40 Pham Ngoc Thach St., District 3, HCMC. Office phone: +84 8 38 223 215 Fax: +84 8 38 223 216 E-mail: info@vinaresearch.jp

The copyright of this report belongs to W&S Company Limited. The results (anlyzing, wording, data, tables and graphs) of this survey can be publicly used, but must be cited and sourced from W&S Company Limited (also include its website address http://vinaresearch.jp).