Agribank Annual Report 2011

VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
AGRIBANK
ANNUAL REPORT 2011
Bring prosperity to customers
VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Annual report
Bring prosperity to customers
Add: 18 Tran Huu Duc, My Dinh 1, Tu Liem, Ha Noi Tel: (84-4) 37724621 Fax: (84-4) 38313717
2011
www.agribank.com.vn
CONTENTS
1. MESSAGE 4
AGRIBANK ANNUAL REPORT 2011
6 10 14 26 32 40 43 61 80 5
2. AGRIBANK OVERVIEW 2011 3. BUSINESS PERFORMANCE 2011 4. ORGANIZATIONAL STRUCTURE 5. FINANCIAL STATEMENTS 2011 6. BUSINESS ORIENTATION 2012 7. OPERATING NETWORK 8. CORRESPONDENT BANKS 9. SUBSIDIARIES
MESSAGE
FROM THE CHAIRMAN OF THE BOARD OF DIRECTORS
Ladies and Gentlemen! The year 2011 witnessed ongoing domestic economic achievements in Vietnam, despite the fluctuations experienced across much of the global economy. Nationwide, inflation was on a downward trend, and the macro economy showed positive signals; production and business continued to grow, and social welfare was guaranteed; agro products export turnover reached a record level of over USD 25 billion, increasing by 23% compared with the year 2010; and a coherent fiscal and monetary policy was effectively put into action. At the same time the total means of payment and credit increased by around 12%, and the monetary and forex market remained stable. Being the largest state-owned commercial bank and financial institution in Vietnam credit institutions system, Agribank continued to grow at a stable pace in 2011. The total assets reached over VND 560 trillion, increasing by 6.5% compared with 2010; total fund resources reached VND 505,792 billion; the total outstanding loans reached VND 443,476 billion, increasing by 6.9% compared with 2010, in which the outstanding loans to agriculture and rural sector increased by 15% and accounted for almost 70% of the total loan portfolio; the banks safety ratios were guaranteed, the NPL ratio was on a downward trend in the last months. Agribank remained in the Top Ten leading companies in Top 500 Vietnamese Largest Enterprises (VNR 500), gaining the trust of domestic and international clients. Agribank continued to be credited by international financial organizations, receiving 117 projects worth USD 5.8 billion, and maintaining relationships with 1,033 banks in 92 countries and territories. The Agribank brand accompanied major events across the country: the 44th ADB Annual Meeting, Fishery Festival, and Rice Festival, etc. Besides mandates in business, Agribank spent hundreds of billions of dong from its welfare fund for social responsibility activities in areas such as housing support for the poor, scholarships for students, savings book donations to the former young female volunteers and victims of Agent Orange, and schools, healthcare centers and solidarity houses. In 2012, Agribank aims for Competition Efficiency Modernity Sustainability, maintaining a key role in the financial and credit markets for agriculture and rural areas; total assets, total mobilized funds, and total outstanding loans are set to increase by 11%, 12% and 10% respectively; and prudent ratios in operations are as required by the State Bank of Vietnam. Accordingly, all Agribank employees are encouraged to direct their knowledge and resources towards the implementation of innovative solutions such as: First, developing and implementing the restructuring plan of its organizational structure and business activities with a focus on improving the quality of human resources, the governance and management capability, and quality of products and services; Second, maintaining sustainable growth in fund mobilization and ensuring the banks solvency; Third, meeting the burgeoning loan demand and expanding banking products and services in agriculture and rural areas; Fourth, reducing bad debt ratio and increasing financial capability; Fifth, modernizing the banking technology; and Sixth, comprehensively implementing Agribanks Brand Identity System, to build a friendly, collaborative and relationship-driven culture to satisfy our customers. In 2012, with a strong sense of confidence and determination; on the basis of promoting its glorious tradition of over 23 years of development and the solidarity and consensus of the management and over 40,000 employees, I believe that Agribank will successfully achieve its objectives and continue to grow in a stable and sustainable manner, deserving the trust from the Party and State as well as millions of its partners and customers. With best regards !
CHAIRMAN OF THE BOARD OF DIRECTORS
6
7
Nguyen Ngoc Bao
3. CHangIng, aPPoIntIng senIor PersonneL

The Governor of the State Bank of Vietnam issued decisions to appoint members of the Board of Directors and change senior personnel at Agribank.
4. DeveLoPIng tHe RestrUCtUrIng PLan

Implementation of the policy of the Party, State and Government in restructuring the commercial banks and financial institutions system, Agribank developed and submitted the Agribanks Restructuring Plan to the State Bank of Vietnam. Besides, Agribank initially deployed the network reorganization and business performance innovation in the direction of modern banking, Growth - Safety - Efficiency Sustainability.
5. Investment Into tHe Tam Nong reaCHeD VND 300 trILLIon

Holding the key role in the investment into agriculture, farmers and rural areas, in 2011, Agribank actively implemented lending activities in line with the Decree 41/2010/ND-CP on Credit policy for the development of agriculture and rural areas . As of 31 December 2012, the outstanding loans to this sector was VND 301,608 billion, accounting for nearly 70% of Agribanks total loan portfolio, increasing by VND 39,341 billion, a growth rate of 15% compared with 2010. Agribank was the leading credit institution in pilot lending to the new rural development, contributing to the initial success of the National Target Program on New Rural Development period 2010-2020 of the Government.
6. Best ProDUCts anD servICes ProvIDer In 2011

In 2011, Agribank was voted as Business with the best products and services in 2011. Agribank continuously developed and diversified its products and services in a specialized manner with almost 200 products and services. In 2011, Agribank met its customers satisfaction and enhanced competitiveness by presenting new fund mobilizing products such as automatic investment, flexible deposit, floating rate term deposit; domestic payment services such as AgriPay (deposit and withdrawal for non account holders), automated collection; and various forex trading products.
MAJOR EVENTS IN 2011

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7. EXCeLLent BanK In CarD servICe

Agribank was the leading bank in terms of number of bank cards with 8.4 million cards issued, accounting for 20% of the market share. Agribank was honoured to be awarded a Cup by Vietnam Banks Association as an Excellent Bank in card service in 2011 for its outstanding achievements and contribution in bank card development in particular as well as for its great contributions to the acceleration of non-cash payment in general.
1. SHIFtIng tHe moDeL oF oPeratIon

For the implementation of Decision No. 214/Q-NHNN dated 31 January, 2011 by the Governor of the State Bank of Vietnam, Agribank shifted the model of operation into a sole member limited liability company, with 100% of the charter capital owned by the State.
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8. LeaDIng banK In CoLLeCtIng tHe state bUDget tHroUgH banKs

Agribank actively implemented a policy on enhancing non-cash payment of the Government by strengthening the state budget collection through banks and became a leading bank among commercial banks implementing this operation. As of 31 December 2011, Agribank deployed 998 collection points at 406 branches. Total collected amount reached VND 60,527 billion with 2,860,993 collecting items, increased by 290.04% in amount and 245.24% in items compared to 2010. The inception of collection points and bank based state budget collecting process of Agribank has been highly appreciated by concerned parties.
2. InCreasIng CHarter CaPItaL

In November 2011, the Government supplemented Agribank with VND 8,445.47 billion, raising the Charter capital of Agribank to VND 29,605 billion. Agribank remained the largest commercial bank in Vietnam in terms of charter capital with the CAR at over 9% as prescribed by the State Bank of Vietnam.
AGRIBANK OVERVIEW 2011
BUsiness environMent
Operating in considerably fluctuating environment and being affected by global economic recession, in the year 2011, Vietnam economy faced more difficulties and challenges than expected. However, with gigantic efforts, Vietnam economy effectively coped with the complicated situation. Inflation was restrained and gradually reduced. The macro economy showed positive movements, social welfare was guaranteed. Business and production were maintained and developed. GDP increased by nearly 6%. Agriculture, forestry and fishery increased by 4%, industry and construction increased by 5.53% and services by 6.99%. Total export volume reached a record level of more than USD 25 billion, increasing by 27.9% compared with 2010.
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success
th
Strongly implementing Resolution No. 11/NQ-CP dated 24 February 2011 of the Government on key solutions for inflation restraint, macroeconomic stabilization, social welfare assurance, the State Bank of Vietnam issued Instruction No. 01/CT-NHNN dated 1 March 2011 on implementation of monetary and banking resolution for inflation restraint. Vietnamese banking sector was proactive in managing monetary policies to ensure strictness, flexibility, suitableness to actual conditions, confirming its importance as the life-line of the economy.
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OverALL PerForMAnce
Operating in the context where the global economy experienced much unstableness due to crisis and recession, the domestic economy encountered several difficulties and challenges, especially in the first six months due to adverse movement of the economy, the capital market and interest rates, Agribanks fund mobilization and outstanding loans were continuously declined, however, with strict instructions of the Board of Directors, the Board of Management, as well as the consensus and efforts of the whole bank, Agribank continued to affirm its position and role of the leading commercial bank in rural financial market and the national economy; made positive contributions, together with the Government and the State Bank of Vietnam, to realizing inflation restraint, macroeconomic stabilization, and social security assurance. In 2011, Agribank achieved its planned targets. Total fund resources increased by 6.5% (target from 5% to 7%). Credit grew by 6.9%, exceeding the planned target (growth target from 4% to 6%). Non-performing loans are gradually controlled and reduced to 6.1%, down 1.2% compared with the highest level. Liquidity was maintained and stable. Financial performance grew at a rather good pace. The development of new banking products and services recorded new achievements with an increase of 29% in noninterest income compared with the year 2010. Governance activities were renovated and accomplished towards more involvement from the Head Office to branches and local units to ensure flexibility and responding to actual market movements for more stable and effective business performance of Agribank. As of 31 December 2011, total assets of Agribank reached more than VND 560,000 billion; total fund resources reached VND 505,792 billion; total outstanding loans to the economy reached VND 443,476 billion, in which the outstanding loans to agriculture and rural areas was VND 301,608 billion, an increase of VND 39,341 billion (+ 15%), accounting for nearly 70% of the banks total loan portfolio. Agribank had 2,400 branches and transaction offices nationwide and abroad, a customer base of over 30,000 enterprises, millions of households, and thousands of domestic and foreign partners, maintaining correspondent relationships with 1,033 banks in 92 countries and territories in the world. Unit: VND billion
600,000
Total fund resources

Unit: VND billion
600,000 500,000 400,000 300,000 200,000 100,000 0 2009 2010 2011
Total outstanding loans

Unit: VND billion
500,000 450,000 400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000 0 2009 2010 2011
Non-performing loans (NPLs)
Total assets
Year 2009
Year 2010
Year 2011
12
524,000 500,000 470,000
560,000
13
400,000
300,000
200,000
100,000
2009
2010
2011
MAin bUsiness Activities

1. FUnD mobILIZatIon
As of 31 December 2011, Agribanks total fund resources in both VND and foreign currencies reached VND 505,792 billion, increasing by VND 30,851 billion (+6.5%) compared to that as of end of 2010, achieving the set target, in which, the funds mobilized from the customers (Market I) was VND 432,072 billion, accounting for 85.4% of total fund resources. Agribank ensured high stability in the structure and growth rate of the fund resources, in particular, deposits from population made up 60.6% of total fund resources; diversified the mobilization products and types, making contribution to the liquidity assurance of the whole system.
FUND RESOURCE GROWTH 2007-2011

Unit: VND billion
600,000
500,000
400,000
300,000
200,000
100,000
14
BUSINESS PERFORMANCE 2011
2007
2008
2009
2010
2011
CAPITAL STRUCTURE 2011

Funds mobilized from customers From population Percentage (%) 60.6% From economic entities 20.6% From State Treasury 4.2% 14.6% Funds mobilized from credit institutions and trusted funds
15
Funds mobilized from population Funds mobilized from economic entities From State Treasury Funds mobilized from credit institutions and trusted funds
2. CreDIt
As of 31 December 2011, the total outstanding loans amounted to VND 443,476 billion, increasing by VND 28,721 billion (an increase of 6.9%) compared to that as of end of 2010. In 2011, Agribank timely issued various credit schemes and policies; instructed and monitored credit activities ensuring that credit growth be in line with fund resources growth and that credit quality be enhanced. Agribank gradually reduced outstanding loans to non-production sectors; focused in allocating funds for agricultural, rural and export loans. Loans for Tam nong areas accounted for nearly 70% of total outstanding loans, growing by VND 39,341 billion, an increase of 15% compared to 2010. Outstanding loans to non-production areas decreased by 18.8% compared to 2010. Agribank continued its effective implementation of the Decree No. 41/2010/ND-CP on credit policies for agriculture and rural development, lending programs for collection, processing, export of food, aquaculture products, coffee, etc.; interest rate support lending program aimed at reducing post harvest losses for agricultural and aquatic products according to Decision No.63/2010/QD-TTG, in which, lending to food sector grew by 48.9%; aquaculture sector 18%, livestock sector 31.7%, etc. LOAN STRUCTURE 2011 BY loan terms
Short term Percentage (%) 63.5% Medium and long term 36.5%
3. DomestIC PaYment
In 2011, Agribanks total payment transaction volume went up by 21% compared to that of 2010. Growing payment channels operated in a stable, secured and effective manner. Intra-bank Payment (IPCAS based) amounted to 11,316,305 transactions worth VND 2,396,914 billion, an increase of 15.57% compared to 2010; on average 44,906 transactions per day, growing by 27.96% compared to 2010. Agribank deployed bilateral payments throughout the system with many commercial banks, performed 4,540,447 inward and outward transactions worth VND 761,834 billion or 18,017 inward/outward transactions per day, an increase of 28.6% compared to 2010. BY currencies
Foreign currencies 34,319 7.74%
4. ForeIgn bUsIness
4.1. International payment
In 2011, the foreign trade activities suffered much from the difficulties of Vietnam and the world economy. Although Vietnam import and export turn-over continued to increase and reached USD 203.66 billion, the contribution was mainly from foreign direct investment (FDI) companies with supports from overseas parent companies. Domestic companies faced many difficulties in lack of capital and foreign currencies, unfavorable fluctuation in market and prices. Agribank actively developed trade finance programs to support its customers such as the GSM102 program (export credit guarantee program of the U.S. Department of Agriculture) with a USD
Short-term Medium and long term
Foreign currencies
VND VND billion Percentage (%) 409,157 92.26% Medium and long term
Households and Individuals Enterprises Short-term
Agribank is a member of the Interbank Payment System of the State Bank of Vietnam with 4,839,027 inward and outward transactions worth VND 2,947,367 billion or 19,202 inward/outward transactions per day, increasing by 25.42% compared to 2010. On a modern technology platform, in addition to enhancing traditional payment products and instruments, Agribank focused on the development of modern payment services such as: Centralized capital management; Automatic salary payment; anywhere deposits and withdrawals for non account holders (AgriPay); SMS Banking; VnTopup; Internet Banking; automatic collection; automatic investment; Payment connection with client; Payment for electricity, water, tuition fees (Bill Payment); Collection for State Budget; etc. For State Budget Collection alone, Agribank implemented in 406 branches with 998 collection points, performed 2,860,993 collecting items worth VND 60,527 billion, increasing by 290.04% compared to end of 2010, maintaining its position as the leading bank among the commercial banks entrusted by the State Treasury for State Budget Collection. With the largest online payment system in the commercial banking system which can process payment transactions quickly, accurately with various domestic and foreign banks and partners, Agribank brand continued to be recognized as a brand of fast, safe, and low cost quality payments.
INTERNATIONAL PAYMENT VOLUME IN THE PERIOD 2007-2011

12,000 10,000 8,000 6,000 4,000 2,000 0
Unit: USD million
Foreign currencies
Short-term Medium and long term Households and Individuals Enterprises
BY economic sectors
Enterprises 231,512 52.2%
16
VND billion Percentage (%)
Households and Individuals 211,964 47.8% Foreign currencies
2007
2008
2009
2010
2011
17
Households and Individuals Enterprises
60 million credit limit, Trade finance guarantee program of the Asian Development Bank (ADB) with a USD 60 million credit limit and other trade finance programs of Agribank correspondent banks with over USD 300 million credit limit. In 2011, Agribank was one of the most active banks in using the GSM102 in Vietnam as rated by the U.S. Department of Agriculture. Total import-export payment volume of Agribank in 2011 was USD 7,734 million, decreased by 12.01% compared to 2010 of which, the export payment volume was USD 3,869 million, decreased
by 15.5%; the import payment was USD 3,865 million, decreased by 8.3%. Although the importexport payment volume through Agribank in 2011 decreased in comparison with that in 2010 as a result of economic difficulties, Agribank continued to earn the loyalty and advocacy from the customer.
solutions to cope with difficulties. Agribanks treasury business remained secured and increased in profitability. As of 31 December 2011, the turnover of inter-bank deposit transactions amounted to VND 423,954 billion, USD 14.042 million and EUR 829.50 million. Trading of local currency funds in 2011 grew significantly compared to 2010. Inter-bank lending reached 75.4% of available funds resources. Agribank promoted investment in valuable papers in order to increase its liquidity and profitability. In 2011, total buying volume was VND 16,101 billion. As of 31 December 2011, value of valuable papers was VND 37,182 billion, increasing by 27.85% compared to 2010.
CROSS BORDER PAYMENT TURNOVER PERIOD 2007-2011

30,000 25,000 20,000 15,000 10,000 5,000 0
4.6. Receipt and implementation of foreign projects

Implementing effectively and managing transparently the trusted funds, Agribank continued to be selected as the project serving bank and entrusted with projects by the major international financial institutions. Accessing actively new projects and striving to improve the quality of the project servicing, Agribank has been highly appreciated by the project donors, the State Bank of Vietnam, ministries, agencies and project management units for its strong capacity and high service quality. The year 2011 was once again marked as a successful year of Agribank in respects of marketing and receiving projects which contributed to the growth of the bank, particularly the growth of foreign currency fund resources. As of 31/12/2011, Agribank had received 32 trusted projects and served 117 ODA projects with the accrual fund of USD 5.8 billion, continuing to access and register 33 projects with the total value of over USD 4.4 billion. With the received projects, Agribank was able to utilize the long-term and stable fund resources at preferential interest rates, which facilitated the bank to timely finance the agriculture and rural areas, contributing to the socio-economic development and creating 766,213 new jobs in 2011.
Unit: VND billion
4.2. Foreign currency trading

It is always a challenge for commercial banks to operate effectively in foreign currency trading, especially in the fluctuation of the currency market of Vietnam. With the advantage of network and technology, and with the foreign currency trading activity on the interbank market, Agribank was one of the leading banks in trading and providing foreign currency services to individuals and enterprises nationwide. The total volume of foreign currency trading of Agribank in 2011 reached USD 12,550 million, equivalent to VND 263,926 billion, increased by 14.4% compared to 2010 of which, the buying volume was USD 6,283 million, increased by 14.2%; the selling volume was USD 6,267 million, increased by 14.6%. Profit gained from this business in 2011 reached VND 640 billion, increased by 32.4% compared to 2010.
2007 Import
2008 Export
2009
2010
2011
4.4. Border payment business

Agribank border payment service is available to China and Laos, neighboring countries that share borders with Vietnam. In 2011, total border payment turnover with China reached VND 36,161 billion, increasing by 47% compared to 2010. Of which, the export payment turnover was VND 26,713 billion, increasing by 49% compared to 2010, the import payment turnover was VND 9,448 billion, increasing by 40% compared to 2010. Total import-export payment turnover with Laos was VND 151 billion, decreasing by 34% compared to 2010. In 2011, Agribanks market share in border payments exceeded 40%. Payment fees achieved VND 41 billion, an increase of 45% over 2010. Total income from border payment grew from 15% to 20% per year, contributing to the increase of noninterest income portion. With the advantages of the branch network and experience of the pioneer bank in border payment, Agribank has been selected by many customers and partners in doing border trade. Border payment has contributed positively to the income increase and service diversification of Agribank in particular and of the Vietnamese banking system in general and to the promotion of trade between Vietnam and the bordering countries, ensuring stability and security of monetary system in the border areas.
4.5. Overseas Remittance

As reported by the World Bank, in 2011, Vietnam became one of the 10 largest remittance-receiving countries in the world, the amount of remittances reached USD 9 billion. Through implementing many programs such as remittance package products, efficient support and close cooperation with the exported labourers, in 2011, total remittance volume through Agribank reached USD 1,086 million, up 25.7% compared to 2010. With a modern technology foundation and an extensive branch network, Agribank has confirmed its prestige by bringing fast, safe and convenient money transfer services to customers, partners and big money transfer organizations in the world.
FOREIGN CURRENCY TRADING VOLUME

Unit: VND billion
300,000 250,000 200,000 150,000
OVERSEAS REMITTANCE VOLUME fROM 2007-2011

1,200 1,000 800 600 400 200 0
2007 2008 2009 2010 2011
18
100,000 50,000 0 2009 2010 2011
Unit: million USD
19
4.3. Money market business

2011 is considered as an extremely difficult year for the inter-bank market. Great volatility and tension had been seen on the money market throughout the year. Agribank had, however, well predicted the development of the market and had flexible
4.7. International Cooperation

Agribank has expanded its correspondent relationships with 1,033 banks in 92 countries and territories, maintaining 50 Nostro accounts with the correspondent banks and 22 Vostro accounts. In 2011, Agribank signed 21 cooperation agreements and amendments in the fields of trade finance, cross-border payments, remittances, accounts, import and export of banknotes, rebate programs, which provided a legal framework for the implementation of products and services of Agribank. Besides, Agribank actively participated in anti-money laundering activities by updating relevant regulations of the United Nations, the European Union and the United States, etc. In 2011, Agribank took part in the Annual Meetings of the WB, IMF, ADB, established and strengthened relations with foreign organizations and banks through the Meetings. In 2011, Agribank received the international payment awards such as Highly Automatic Straight Through Processing Award (HSBC), Straight Through Processing Award (Bank of New York). 2011, Agribank installed 400 ATMs and 1,811 EDCs, bringing the total number of ATMs and cardaccepting EDCs to 2,100 and 5,621 respectively nationwide. Total payment turnover via cards went up by 45% compared with 2010. Aiming at bringing more facilities to customers, Agribank cooperated with Banknetvn in deploying online payment function of domestic cards (E-commerce) that enabled domestic debit cardholders such as Success Cards, Student Connection Cards, Career Cards to conduct their transactions via internet. Besides, Agribank actively researched and conducted many precautionary measures, installed an alarm system in order to ensure the security of ATM transactions. The online investigation system (trasoatonline) was deployed to 100% of the banks type I and II branches with a view to save time in settling customers claims and cost for the bank.
6. ProDUCts anD servICes

Agribank engaged its expertise to create products and services in a professional manner which resulted in the creation of many more innovative deposit products for the customer such as Floating rate term deposit; Automatic investment; Flexible deposit and a variety of domestic payment services, notably AgriPay (deposit and withdrawal for non account holders) as well as in the expansion of the market in overseas remittance payment services. A product portfolio of nearly 200 products and services offered by Agribank as of end of 2011 continued to assert Agribanks strengths especially in products and services for domestic payment. Agribank is one of the banks to provide the most complete Mobile banking services. In 2011, Agribank added new services and facilities competing for this product group. Accordingly, the customer can pay for telephone, electricity bills, school fees, or can buy game cards through SMS channel. The number of customers using Mobile Banking services in 2011 increased by 51.2 % compared with 2010. Non-interest income increased by 30% compared with 2010. In addition, Agribank focused in particular in the research of innovative products and services to better serve for the Tam Nong, in the development of domestic and international payment services, and in the deployment of modern facilities to increase the competitiveness of products and services, while improving existing distribution channels and adding more value to Internet Banking channel. In 2011, Agribank set up risk provision fund valued at VND 10,471 billion, brought the bad debts of VND 2,559 billion to off-balance sheet, and recovered the bad loans of VND 2,066 billion. To improve the governance and risk management capabilities and implement the customer policy, Agribank completed and deployed the internal credit rating system for all customer, provided system-wide training on the operation and use of the internal credit rating system, on loan classification and handling of risks, credit risk management, etc. Loan classification and risk provision were implemented in compliance with the internal process and related regulations to ensure the adequacy of the provision. The credit risk warning and reporting work were periodically made through setting up and implementing reports such as report on interbranch customer relations; report on outstanding loans by industry, sector, and region; reports on foreign currency loans to closely monitor and limit risks; and many review reports for the governance and safe operations of each branch.
NUMBER Of CARDS ISSUED PERIOD 2007- 2011

9,000,000 8,000,000
8. InFormatIon TeCHnoLogY
Agribank had good management, operation, support and maintenance for the stability of the IT system such as server system, application system, security system, infrastructure system, data center, etc. Good handling of incidents, ensuring a stable operating system in turn made good contributions to the governance and operation of the bank. Agribank developed and supplemented new functionality on the CoreBanking IPCAS system to meet business requirements and the management, development of products and services based on modern information technology. In 2011, Agribank completed the largest scale and the most modern data centers in the Vietnamese banking system which helped ensure the absolute safety of the whole system; in addition, the bank focused on improving knowledge of information security.
5. CARD BUSINESS DEVELOPMENT
7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 0

2007 2008 2009 2010 2011
7. RIsK Management
20
6,000
DEPLOYMENT Of ATMS/EDCS PERIOD 2007-2011

The year 2011 marked a sustainable development of Agribank on the card market as Agribank affirmed its leading position in terms of the number of card holders and the total payment turnover via cards and card acceptance network. Agribank maintained a high growth rate of card issuance with the total cards reaching 8.4 million, an increase of 31. 5% in comparison with 2010, accounting for 20% of the total market share. In
5,000 4,000 3,000 2,000 1,000 0
21
2007
2008
2009 EDCs
2010
2011
Number of ATMs
9. CorPorate BranD anD CULtUre DeveLoPment

The Agribank brand accompanied major events across the country attracting the attention of the community such as: the 44th ADB Annual Meeting, Fishery Festival, and Rice Festival, etc. In 2011, Agribank made a remarkable development with the completion of the major parts of Agribank brand development project, with the promulgation and application of regulations on signs and uniform throughout the system, which made a significant step forward in transforming Agribank brand positioning system toward a more professional, comprehensive and consistent one. Also in 2011, Agribank developed Agribank Corporate Culture Handbook on the basis of inheriting, addressing related cultural values of a leading commercial bank with a long history of nearly 25 years of development adhering to the development of the Tam Nong of the country.
10. HUman ResoUrCes TraInIng & DeveLoPment

Agribank is the commercial bank having the largest number of employees in Vietnams banking system with the total number of 39,950 employees as of 31 December 2011. Agribank has always placed a high priority on human resources training and development. Human resources training and development are considered the decisive factor in the success of all activities. Through 2011, Agribank conducted trainings to a total of 6,006 attendee staff members. The training programs were developed in accordance with the direction of the Board of Directors and Board of Management and the needs of the participants as well as the labor use units. Highlighted training programs: Management and leadership skills, Corporate financial analysis and evaluation of investment projects, and Fundamentals of Procurement, etc. To meet the needs for business development, along with training and coaching of employees, Agribank particularly paid special attention to developing and implementing recruitment and labor allocation plans to ensure transparency and stable income sources for employees.
11. PromotIng soCIaL resPonsIbILItY to tHe CommUnItY
During the development process, Agribank has always displayed its social responsibility as a major enterprise to the cause of social security of the country. Agribank has contributed to a variety of charitable and social welfare activities such as: providing support for the two poor districts of Muong Ang and Tua Chua of Dien Bien province; funding heart surgery for children with congenital heart disease; savings book donations to the former young female volunteers; funding the construction of solidarity houses, cancer hospitals, etc. with a budget of over VND 100 billion per year. Particularly in 2011, Agribank funding for social welfare activities was VND 200 billion. Annually, Agribanks employees contribute to the Fund of Gratitude, Fund for the Poor, Fund for Children and to Gratitude Fund of the banking sector. Through these activities, Agribank is known and recognized by the community as a state-owned enterprise taking the lead in promoting social responsibility, actively supporting the government to implement social security policies.
22
23
achieved in 2011
AwArDs
24
25
Straight Through Processing Award
Highly Automatic Straight Through Processing Award
Vietnams Top 500 Largest Enterprises (VNR 500)
Business with the best products and services in 2011
Excellence in bank card operations
Mr. Hoang Anh Tuan
Member of Board of Directors
Mr. Nguyen Huu Luong

Mr. Nguyen Ngoc Bao
Chairman of Board of Directors
Mr. Vo Hong
Mr. Pham Ngoc Ngoan
Mr. Nguyen Xuan Dong

OrganiZational structure
26
BoArD oF Directors oF AGribAnK
27
Mr. Dang Van Quang

Deputy General Director
Ms. Le Thi Thanh Hang

Mr. Nguyen Quoc Hung

Mr. Kieu Trong Tuyen
Deputy General Director in charge
Mr. Vu Minh Tan
28
BoArD oF MAnAGeMent
OrganiZational structure
Mr. Trinh Ngoc Khanh

Mr. Nguyen Tien Dong

29
BOARD OF DIRECTORS
SUPERVISORY BOARD
SECRETARIAT TO BOD GENERAL DIRECTOR
RISK MANAGEMENT COMMITTEE
CHIEF ACCOUNTANT
DEPUTY GENERAL DIRECTORS
INTERNAL CONTROL & AUDIT SYSTEM
FUNCTIONAL DEPARTMENTS
OVERSEAS BRANCH
OPERATIONS CENTER
TYPE I, TYPE II BRANCHES
REPRESENTATIVE OFFICES
ADMINISTRATIVE ENTITIES
SUBSIDIARIES
30
OVERALL STRUCTURE
Transaction Offices
TYPE III Branches
Branches
31
OF THE VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Transaction Offices
FinAnciAL StAteMents 2011

For the year ended 31 December 2011
32
33
CONSOLIDATED INCOME STATEMENT

for the Year ended 31 december 2011
Unit: VND million 2011 Interest and similar income Interest and similar expense Net Interest income Net free and commission income Income/ (loss) from trading securities and foreign currencies Income from investaments in joint ventures and associates Net income from other operating activities Total operating income Provision of credit loss Credit loss expense under re-repo contracts Recovery of written-off loans Impaiment of avaliable-for-sale securities NET OPERATING INCOME Personnel expenses Depreciation and amortization Other operating expenses TOTAL OPERATING EXPENSES PROFIT BEFORE TAX Corporate income tax expense Deferred income tax expense/credit PROFIT AFTER TAX NON-CONTROLLING INTEREST PROFIT FOR THE YEAR 77,222,886 (50,495,563) 26,727,323 1,499,211 490,725 66,637 663,018 29,446,914 (12,164,101) 640,167 2,089,966 (1,676) 20,011,270 (10,292,535) (982,325) (5,222,484) (16,497,344) 3,513,926 (1,195,249) (38,805) 2,279,872 (92,199) 2,187,673 2010 55,826,970 (38,265,172) 17,561,798 1,463,783 (85,415) 52,214 686,914 19,679,294 (4,963,033) (700,972) 2,870,909 (332,050) 16,554,148 (7,701,132) (908,683) (4,464,058) (13,073,873) 3,480,275 (951,725) 39,605 2,568,155 (78,982) 2,489,173 Mr. Le Van Hung Deputy Manager Finance and Accounting Departament Mr. Nguyen Quang Thai Cheif Accountant Mr. Kieu Trong Tuyen Executive Deputy General Director Prepared by Approved by Approved by Net profit for the year Other comprehensive income Foreign currency translasion difference Net gain/(loss) from available-for-sale financial assets Corporate income tax relating to components of the comprehensive income Other comprehensive income/(loss), net of tax Comprehensive income for the year (*) Refer to the Consolidated Statement of Changes in Owner ,s Equity (609,913) 152,478 (457,435) 1,822,437 651,508 (162,877) 488,631 3,056,786 2011 2,279,872 Unit: VND million 2010 2,568,155
CONSOLIDATED ComPreHensIve INCOME STATEMENT

34
Prepared by
Approved by
Approved by
35
Mr. Le Van Hung Deputy Manager Finance and Accounting Departament
Mr. Nguyen Quang Thai Cheif Accountant
Mr. Kieu Trong Tuyen Executive Deputy General Director
CONSOLIDATED STATEMENT oF FInanCIaL PosItIon

AS AT 31 december 2011
Unit: VND million 31/12/2011 ASSETS Cash and cash equivalents Balance with the State Bank of Vietnam (the SBV) Due from banks Derivative financial instruments Financial assets held-for-trading Loans to customers under re-repo contracts Loans and advances to customers, net of provision for credit losses Securities investments - available-for-sale Securities investments - held-to-maturity Investments in joint ventures and associates Tangible assets Intangible assets and land use right Investments property Deferred tax assets Other assets TOTAL ASSETS LIABILITIES AND OWNER S EQUITY AND NONCONTROLLING INTEREST Borrowings from the Government and State Bank of Vietnam Due to banks Due to customers Derivative financial instruments Debts issued and other borrowed funds Current tax liabilities Deferred tax liabilities Provision for severance allowance Other liabilities Total liabilities 56,000,502 28,455,636 406,677,306 35,138 27,572,263 1,233,585 45,159 162,199 8,713,429 528,895,217 53,783,067 20,215,252 389,890,718 48,828 26,722,980 1,057,811 149,494 124,410 13,119,800 505,112,360 Mr. Le Van Hung Deputy Manager Finance and Accounting Departament Mr. Nguyen Quang Thai Cheif Accountant Mr. Kieu Trong Tuyen Executive Deputy General Director 8,548,738 17,857,625 37,550,879 63,059 112,844 936,670 439,958,751 35,124,647 3,590,000 552,243 3,666,580 1,931,546 11,988 420,547 5,943,767 556,269,883 8,579,998 11,793,765 37,476,260 144,810 442,532 7,049,096 422,393,790 27,634,477 3,648,656 459,094 3,543,612 1,732,150 12,349 411,208 5,391,458 530,713,255 Prepared by Approved by Approved by Chartered capital Other capital Statutory reserves Accumulated losses Available-for-sale reserve Capital surplus Treasury share Foreign currency translation reserve Total owner s equity NON-CONTROLLING INTEREST TOTAL LIABILITIES, OWNER S EQUITY AND NON- CONTROLLING INTEREST 31/12/2011 21,628,932 187,820 8,050,033 (3,248,902) (244,585) 18,909 (15,759) 115,361 26,491,809 882,857 556,269,883 Unit: VND million 31/12/ 2010 21,511,802 224,716 7,193,988 (4,486,836) 212,850 18,909 (7,617) 81,217 24,749,029 851,866 530,713,255 31/12/ 2010
CONSOLIDATED STATEMENT oF FInanCIaL PosItIon
(continued)
AS AT 31 december 2011
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37
CONSOLIDATED CasH FLow statement

Unit: VND million 31/12/2011 CASH FLOWS FROM OPERATING ACTIVITIES Proceeds of interest and similar income Payment of interest and similar expense Fees and commission proceeds Net proceeds from foreign currencies, gold and securities trading Other operating proceeds Other operating expenses Proceeds from written-off bad debts Payment to employees Payment of enterprise income tax in the year Net cash flows from operating profit before changes in operating assets and liabilities (Increase)/decrease in operating assets (Increase)/Decrease in due from banks (Increase)/Decrease in trading securities, available-forsale and held-to-maturity securities (Increase)/Decrease in derivative financial instruments (Increase)/Decrease in loans and advances to customers Provison for credit losses and impairment of securities, long-term investment (Increase)/Decrease in other assets (Increase)/decrease in operating liabilities (Increase)/Decrease in borrowings from the Government and the SBV (Increase)/Decrease in due to banks 75,063,869 (49,867,977) 1,580,814 689,369 798,582 (30,417) 2,089,966 (15,498,024) (1,056,735) 13,769,447 (15,644,022) 12,649,929 (3,371,474) 54,530 (24,937,334) (2,623,301) 2,583,628 22,136,488 1,931,494 8,306,650 16,391,916 (4,234,698) 4,888,333 35,138 (4,666,583) (515,762) 20,261,913 55,106,174 (38,036,049) 1,545,386 453,504 700,735 (80,512) 2,870,909 (9,729,171) (1,233,714) 11,597,262 (63,313,650) 1,167,711 3,219,009 (190,579) (70,068,285) (2,255,303) 4,813,797 39,637,783 8,857,407 (24,829,076) 50,609,636 2,901,939 167,849 (267,899) 2,778,915 (580,988) (12,078,605) Mr. Le Van Hung Deputy Manager Finance and Accounting Departament Mr. Nguyen Quang Thai Cheif Accountant Mr. Kieu Trong Tuyen Executive Deputy General Director CASH FLOWS FROM OPERATING ACTIVITIES Acquisition of fixed assets Proceeds from sale of fixed assets Purchase of investment properties Additional investments in joint ventures, associates and others Proceeds from joint ventures, associates and others Dividend receipts in the year Net cash flows used in investing activities CasH FLows From FInanCIng aCtIvItIes Increase in chartered capital Dividend payment Payment of treasury shares Net cash flows from financing activities Net (decrease)/increase in cash and cash equivalents Cash and cash equivalents at the beginning of the year Foreign exchange differentces Cash and cash equivalents at the end of the year (53,497) (8,142) (61,639) 18,876,969 39,963,039 58,840,008 9,803,000 (15,431) (482) 9,787,087 (4,047,359) 44,010,398 39,963,039 (1,408,305) 8,785 76,215 (1,323,305) (1,790,781) 11,073 (5,073) (8,040) 6,440 30,540 (1,755,841) 31/12/2011 Unit: VND million 31/12/ 2010 31/12/ 2010
CONSOLIDATED CasH FLow statement
(continued)
38
(Increase)/Decrease in due to customers (Increase)/Decrease in debts issued (Increase)/Decrease in other borrowed funds (Increase)/Decrease in derivative financial instruments (Increase)/Decrease in operating liabilities Reseverves utilization in the year Net cash flows from operating activities
Prepared by
Approved by
Approved by
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1. OverALL GoALs
Agribank is Vietnams only state-owned commercial bank playing a key role in credit markets for agriculture and rural areas. The system to strengthen and improve the market share of deposits, increase business capital in the direction of a stable, safe and effective capital structure. To maintain credit growth at reasonable levels, to restructure capital to focus on the Tam nong, lending to small and medium enterprises, export loans, consumer loans as directed by the Government, the State Bank, bringing the proportion of outstanding loans Tam Nong to above 70% of total loan portfolio. To improve the market share and business results of domestic and international payment services, Forex trading, card business, etc. of which special attention should be paid to the development of modern service facilities for the agricultural and rural market, small and medium enterprises, and farmers. To reduce the Loan to Deposit ratio, increase the proportion of investment in valuable papers market, the interbank market, to ensure capital adequacy as prescribed by the State Bank. To develop and strengthen governance and management models to remain consistent with modern global banking standards.
2. KeY rAtios oF 2012

Criteria Fund resources Outstanding loans Medium&Long-term outstanding loans /Total outstanding loans Loan proportion for agriculture and rural areas Non Performing Loans Non-interest income Before-tax profit Employee income Target (compared with 2011) Increase by 10% - 12% Increase by 8% - 10% Maximum 40% 70% of loan portfolio Less than 6% Increase by 25-30% Increase by 5% Increase at least by 10%
3. PrincipAL soLUtions
Apply appropriate measures to mobilize funds from each type of customer and region, while bolstering and expanding partnerships with other organizations, corporations, and groups.
40
ORIENTATION 2012
BUSINESS
Implement rigorous Agribank restructuring plan when approved by the Government. Investigate innovative business management models towards improving the banks autonomy and flexibility. Focus on improving the quality of credit analysis, assessing true state of bad debts and aggressively implementing remedial measures for bad debt handling, reduction and collection. Strengthen the organizational structure and governance as well as management systems, develop modern management processes across the business, and focus on improving the quality of human resources. Strengthen the system of inspection and internal control in the direction of improving the quality and efficiency, and reviewing and editing process of one-door transaction policy and post-inspection. Continue to modernize the banking technology, develop modern products and services, improve service market share in urban areas, and improve rapid deploy products and services for the Tam nong. Improve the efficiency of marketing and communication activities associated with social security, thereby promoting the brand, and enhancing the banks position and competitiveness.
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OPERATING
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NETWORK
OPERATING
NETWORK
HO CHI MINH CITY AREA
SaI Gon 2 Vo Van Kiet Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City. Con Dao Pham Van Dong Street, Area 7, Con Dao District, Ba Ria Vung Tau Province. Ho CHI MInH CItY 2A Pho Duc Chinh Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City MaC THI BUoI 45A,B Pasteur Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City Dong SaI gon 96 Dong Van Cong Street, Area 1, Thanh My Loi Ward, District 2, Ho Chi Minh City TaY SaI Gon 131A, Area 1, Le Van Khuong Street, Hiep Thanh Ward, District 12, Ho Chi Minh City Nam SaI Gon 18Bis lot J Ngan Hang Housing Compound, Tan Thuan Tay Ward, District 7, Ho Chi Minh City. Phu My Hung 77 Hoang Van Thai Street, Tan Phu Ward, District 7, Ho Chi Minh City CHo Lon 43 Hai Thuong Lan Ong Street, Ward 10, District 5, Ho Chi Minh City Nam Hoa 241 Hau Giang Street, Ward 5, District 6, Ho Chi Minh City. PHU NHUan 135A Phan Dang Luu Street, Ward 2, Phu Nhuan District, Ho Chi Minh City. HoC Mon So 12 Ly Thuong Kiet Street, Hoc Mon town, Hoc Mon District, Ho Chi Minh City. BaC SaI Gon 101 Ha Huy Giap Street, Thanh Loc Ward, District 12, Ho Chi Minh City DIstrICt 1 428 Vo Van Kiet Street, Co Giang Ward, District 1, Ho Chi Minh City. BranCH 3 596A Nguyen Dinh Chieu Street, Ward 3, District 3, Ho Chi Minh City Ben Thanh 195 B Nam Ky Khoi Nghia Street, Ward 7, District 3, Ho Chi Minh City. BranCH 4 Ground to 2nd floor, H2 Hoang Dieu Street, Ward 8, District 4, Ho Chi Minh City BranCH 8 368-370 Tung Thien Vuong Street, Ward 13, District 8, Ho Chi Minh City BranCH 10 326 Nguyen Chi Thanh Street, Ward 5, District 10, Ho Chi Minh City. GIa DInH 22 Quang Trung Street, Ward 11, Go Vap District, Ho Chi Minh City BInH Tan 676 Kinh Duong Vuong Street, An Lac Ward , Binh Tan District, Ho Chi Minh City NHa Be 18 Huynh Tan Phat Street, Nha Be town, Nha Be District, Ho Chi Minh City LY THUong KIet 90 A5-A6, Ly Thuong Kiet Street, District 10, Ho Chi Minh City PHan DInH PHUng 151-153-155 Phan Dinh Phung Street, Ward 17, Phu Nhuan District, Ho Chi Minh City. TrUong Son 26 Truong Son Street, Ward 2, Tan Binh District, Ho Chi Minh City. Tan Tao InDUstrIaL Zone Road 2, Lot 2-4 Tan Tao Industrial Zone, Binh Tan District, Ho Chi Minh City An PHU 472-476 Cong Hoa Street, Tan Binh District, Ho Chi Minh City An SUong 66/7, 22 National Road, Dong Lan Hamlet, Ba Diem Commune, Hoc Mon District, Ho Chi Minh City BInH CHanH E6/36 Nguyen Huu Tri Street, Binh Chanh District, Ho Chi Minh City BInH THanH 347-349-351 Dien Bien Phu Street, Ward 15, Binh Thanh District, Ho Chi Minh City Can GIo Luong Van Nho Street, Can Thanh town, Can Gio District, Ho Chi Minh City BranCH 11 485 Lac Long Quan Street, Ward 5, District 11, Ho Chi Minh City BranCH 9 48 Le Van Viet Street, District 9, Ho Chi Minh City My Thanh 639 Le Van Viet Street, Tan Phu Ward, District 9, Ho Chi Minh City CU CHI KP 2, Cu Chi town, Cu Chi District, Ho Chi Minh City HIeP PHUoC 280A12-A13 Luong Dinh Cua Street, An Phu Ward, District 2, Ho Chi Minh City HUng VUong HCM CItY 131, Kinh Duong Vuong Street, Ward 12, District 6, Ho Chi Minh City Branch 6 589 - 591, Hong Bang Street, Ward 2, District 6, Ho Chi Minh City MIen Dong 107 Binh Quoi Street, Ward 27, Binh Thanh District, Ho Chi Minh City Binh Trieu 63/1 National Road13-Hiep Binh Chanh Ward, Thu Duc District , Ho Chi Minh City PHUoC KIen NL03-05 Kbt Kinh doanh Ngan Long Street - Nguyen Huu Tho Road - Phuoc Kien Commune, Ho Chi Minh City Branch 7 40/2 Nguyen Van Linh, Khu pho I, Ward Tan Thuan Tay, District 7, Ho Chi Minh City DIstrICt 5 156 Tran Phu Street, Ward 9, District 5, Ho Chi Minh City Tan BInH 1200 Lac Long Quan Street, Ward 8, Tan Binh District, Ho Chi Minh City Binh Phu 442-444-446 Truong Chinh Street, Ward 13, Tan Binh District, Ho Chi Minh City Tan PHU 126 Thoai Ngoc Hau Street, Phu Tho Hoa Ward, Tan Phu District , Ho Chi Minh City THanH Do 56-58-60 Nguyen Van Cu Street, Cau Kho Ward , District 1, Ho Chi Minh City THU DUC 14 Road 6, Linh Chieu Ward, Thu Duc District, Ho Chi Minh City XUYen A 2025/2A National Road 1A, Area 2, Dong Hung Thuan Ward, District 12, Ho Chi Minh City. Hoan KIem 36 Bat Dan Street, Cua Dong Ward, Hoan Kiem District, Ha Noi THU Do 91 Hue Street, Ngo Thi Nham Ward, Hai Ba Trung District, Ha Noi Nam Ha NoI C3 Phuong Liet, Thanh Xuan District, Ha Noi Trang An Building B, Lot C-D5 Cau Giay New Urban Area, Dich Vong Hau Ward, Cau Giay District, Ha Noi Tay Ha Noi Building A1K Cum san xuat tieu thu cong nghiep, Duy Tan Street, Dich Vong Hau Ward, Cau Giay District, Ha Noi Long BIen 562 Nguyen Van Cu Street, Gia Thuy Ward, Long Bien District, Ha Noi Tam TrInH 409 Nguyen Tam Trinh Street, Hoang Mai District, Ha Noi TaY Do 36 Nguyen Co Thach Street, My Dinh New Urban Area, My Dinh Commune, Tu Liem District, Ha Noi OPeratIons Centre Floor 1 and 2, 2 Lang Ha Street, Ba Dinh District, Ha Noi Lang Ha 24 Lang Ha Street, Dong Da District, Ha Noi Bach Khoa 92 Vo Thi Sau Street, Hai Ba Trung District, Ha Noi MY DInH Building A9 The Manor, Tu Liem District, Ha Noi Dong AnH Dong Anh town, Dong Anh District, Ha Noi. Son TaY Town 189 Le Loi Street, Le Loi Ward, Son Tay town, Ha Noi Ha NoI 77 Lac Trung Street, Hai Ba Trung District, Ha Noi BaC Ha NoI 266 Doi Can Street, Lieu Giai Ward, Ba Dinh District, Ha Noi Hoang QUoC VIet 375-377 Hoang Quoc Viet Street, Cau Giay District, Ha Noi THang Long No 4, Pham Ngoc Thach Street, Kim Lien Ward, Dong Da District, Ha Noi Ha THanH No 75 Phuong Mai Street , Phuong Mai Ward, Dong Da District, Ha Noi Dong Ha NoI No 23B, Quang Trung Street, Hoan Kiem District, Ha Noi CaU GIaY 99 Tran Dang Ninh, Cau Giay District, Ha Noi THanH TrI No 300, Ngoc Hoi street, Van Dien Town, Thanh Tri Disctrict , Ha Noi HUng VUong CC2A Building, Bac Linh Dam, Hoang Mai District, Ha Noi TU LIem No 10, Nguyen Co Thach Street, My Dinh, Tu Liem District, Ha Noi SoC Son Soc Son Town, Soc Son District, Ha Noi Hoang MaI No 813, Giai Phong Street, Hoang Mai District, Ha Noi Ha TaY No 34, To Hieu Street, Nguyen Trai Ward, Ha Dong District, Ha Noi Hoa Lac Binh Yen Commune, Thach That District, Ha Noi Xuan Mai Xuan Mai Town, Chuong My District, Ha Noi Phu Xuyen District Phu Xuyen Town, Phu Xuyen District, Ha Noi Ba Vi District Tay Dang Town, Ba Vi Commune, Ha Noi Chuong My District No 6, Yen Son, Chuc Son Township, District Chuong My, Ha Noi Dan Phuong District Phung Town, Dan Phuong District, Ha Noi Hoai Duc District Tram troi Town, Hoai Duc District, Ha Noi My Duc District Dai Nghia Town, My Duc District, Ha Noi Phuc Tho District Gach Town, Phuc Tho District, Ha Noi Quoc Oai District Quoc Oai Town, Quoc Oai District, Ha Noi Thach That District Lien Quan Commune , Thach That District, Ha Noi Thanh Oai District 91 Kim Bai Town, Thanh Oai District, Ha Noi Thuong Tin District No 116 Thuong Tin Town, Thuong Tin District, Ha Noi Ung Hoa District Van Dinh Town, Ung Hoa District, Ha Noi
NORTHERN MOUNTAINS - NORTHERN MIDLAND REGIONS - OLD ZONE 4

Cao Bang New Urban, Km No 5, De Tham Ward , Cao Bang Town, Cao Bang Province Hoa An District Nuoc Hai Town, Hoa An District, Cao Bang Province Thach An District Dong Khe Town, Thach An, District, Cao Bang Province Ha Quang District Xuan Hoa Town, Ha Quang, District, Cao Bang Province Quang Uyen District Quang Uyen Town, Quang Uyen, District, Cao Bang Province Trung Khanh District Trung Khanh Town, Trung Khanh, District, Cao Bang Province Ha Lang District Thanh Nhat Town, Ha Lang, District, Cao Bang Province Tra Linh District Hung Quoc Town, Tra Linh, District, Cao Bang Province Thong Nong District Thong Nong Town, Thong Nong, District, Cao Bang Province Phuc Hoa District Ta Lung Town, Phuc Hoa, District, Cao Bang Province Bao Lam District Pac Miau Town, Bao Lam, District, Cao Bang Province Nguyen Binh District Nguyen Binh Town, Nguyen Binh, District, Cao Bang Province Cao Bang Town Hop Giang Ward, Cao Bang Town, Cao Bang Province Bao Lac District Bao Lac Town, District Bao Lac, District, Cao Bang Province Lang Son No 3, Ly Thai To, Dong Kinh Ward, Lang Son City, Lang Son Province Binh Gia District Zone 6 A, Binh Gia Town, Binh Gia District, Lang Son Province Dinh Lap District Zone 3 Dinh lap Town, Dinh lap District, Lang Son Province Van Quan District Duc Tam II Street, Van Quan Town, Van Quan District, Lang Son Province
HA NOI AREA
TrUng Yen Floor 1, Building 17T4 Trung Hoa Nhan Chinh Urban Area, Hoang Dao Thuy Street, Nhan Chinh Ward, Cau Giay District, Ha Noi GIa Lam Trau Quy town, Gia Lam District, Ha Noi Me LInH Km 8 Bac Thang Long Noi Bai Road, Quang Minh town, Me Linh District, Ha Noi TaY Ho 447 Lac Long Quan Street, Xuan La Ward, Tay Ho District, Ha Noi Hong Ha 164 Tran Quang Khai Street, Hoan Kiem District, Ha Noi Dong Da 211 Xa Dan Street, Nam Dong Ward, Dong Da District, Ha Noi Thanh Xuan 168 Nguyen Xien Street, Ha Dinh Ward, Thanh Xuan District, Ha Noi
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NETWORK
Lang Son City No 163 Tran Dang Ninh Street, Tam Thanh Ward, Lang Son City, Lang Son Province Cao Loc District Block 6 Cao Loc Town, Cao Loc District, Lang Son Province Loc Binh District No 1-Bo song, Loc Binh Town, Loc Binh District, Lang Son Province Van Lang District No 71 Zone I Na Sam Town, Van Lang District, Lang Son Province Trang Dinh District Zone I That Khe Town, Trang Dinh District, Lang Son Province Bac Son District Zone Luong Van Chi, Bac Son Town, Bac Son District, Lang Son Province Chi Lang District Zone Chinh, Dong Mo Town, Chi Lang District, Lang Son Province Huu Lung District Zone An ninh, Huu lung Town, Huu Lung District, Lang Son Province Dong Dang Zone Nam Quan, Dong Dang Town, Cao Loc District, Lang Son Province LaI CHaU Dien Bien Phu Street, Tan Phong Ward, Lai Chau Town, Province Lai Chau Tam Duong District Tam Duong Town, Tam Duong District, Lai Chau Province Phong Tho District Phong Tho Town , Phong Tho District, Lai Chau Province Sin Ho District Sin Ho Town, Sin Ho District, Lai Chau Province Muong Te District Muong Te Town, Muong Te District, Lai Chau Province Mai Son District Subzone 6, Hat Lot Town, Mai Son District , Son La Province Thuan Chau District Subzone 14 Town - Thuan Chau District, Son La Province Song Ma District Group 8, Town - Song Ma District, Son La Province Moc Chau District Subzone 7, Moc Chau Town, Moc Chau District, Son La Province Phu Yen District Block 4 Phu YenTown, Phu Yen District , Son La Province Yen Chau District Subzone 1, Yen Chau Town, Yen Chau District, Son La Province Bac Yen District Subzone 2, Bac Yen Town, Bac Yen District, Son La Province Muong La District Subzone 3, It Ong Town, Muong La District, Son La Province Quynh Nhai District Muong Giang Commune, Quynh Nhai District , Son La Province Lao CaI No 03A Hoang Lien Street, Coc Leu Ward, Lao Cai City, Lao Cai Province Lao Cai City No 005, Nguyen Hue Street, Lao Cai Ward, Lao Cai City, Lao Cai Province Cam Duong Group 14, Hoang Quoc Viet Street, Pom Han Ward, Lao Cai City, Lao Cai Province Kim Tan No 631, Hoang Lien Street, Kim Tan Ward, Lao Cai City, Lao Cai Province Coc Leu No 038, Coc Leu Street, Coc Leu Ward, Lao Cai City, Lao Cai Province Bao Thang District No 70, 19/5 Street, Pho Lu Town, Bao Thang District, Lao Cai Province Van Ban District Group 8, Khanh Yen Town, Van Ban District, Lao Cai Province Muong Khuong District No 228, Giai Phong Street, Muong Khuong Town, Muong Khuong District, Lao Cai Province Bac Ha District Ngoc Uyen Street, Bac Ha Town, Bac Ha District, Lao Cai Province Bat Xat District Group 4, Hung Vuong Street, Bat Xat Town, Bat Xat District, Lao Cai Province SaPa District No 01 Cau May Street, Sa Pa Town, Sa Pa District, Lao Cai Province Bao Yen District Zone 4B Pho Rang Town, Bao Yen District, Lao Cai Province Ha GIang No 101 - Tran Hung Dao, Ha Giang City, Ha Giang Province Bac Quang District Group 4, Viet Quang Town, Bac Quang District, Ha Giang Province Vi Xuyen District Group 2, Vi Xuyen Town, Vi Xuyen District, Ha Giang Province Quang Binh District New area, Yen Binh Town, Quang Binh District, Ha Giang Province Xin Man District Group 1, Coc Pai Town, Xin Man District, Ha Giang Province Hoang Su Phi District Zone 2 Vinh Quang town, Hoang Su Phi District, Ha Giang province Thanh Thuy District Thanh Thuy border gate economic zone, Vi Xuyen District, Ha Giang province Meo Vac District Group 2 Meo Vac Town, Meo Vac District, Ha Giang province Dong Van District No 2, 19 - 5 road, Dong Van town, Dong Van District, Ha Giang province Yen Minh District Group 3 - Yen Minh town, Yen Minh District, Ha Giang province Quan Ba District Tam Son town, Quan Ba District, Ha Giang province Bac Me District Group 2 Yen Phu town, Bac Me District, Ha Giang province BaC Kan Phung Chi Kien ward, Bac Kan Town, Bac Kan province Bach Thong District Phu Thong Town, Bach Thong District, Bac Kan province Ba Be District Cho Ra Town, Ba Be District, Bac Kan province Ngan Son District Van Tung Commune, Ngan Son District, Bac Kan province Pac Nam District Boc Bo Commune, Pac Nam District, Bac Kan province Na Ri District Yen Lac Town, Na Ri District, Bac Kan province Cho Moi District Yen Dinh Commune, Cho Moi District, Bac Kan province Cho Don District Bang Lung Town, Cho Don District, Bac Kan province DIen BIen Group 12, Muong Thanh ward, Dien Bien Phu City, Dien Bien province Muong Nhe District Muong Nhe District Center, Dien Bien province Dien Bien Phu City No 546, Group 1, Tan Thanh ward, Dien Bien Phu City, Dien Bien province Dien Bien District Nam Thanh ward, Dien Bien Phu City, Dien Bien province Tuan Giao District Tan Giang zone, Tuan Giao town, Tuan Giao District, Dien Bien province Muong Ang District Muong Ang town, Muong Ang District, Dien Bien province Tua Chua District Thong Nhat block, Tua Chua District, Dien Bien province Dien Bien Dong District Dien Bien Dong District center, Dien Bien province Muong Cha District Block 3- Muong Cha district town, Dien Bien province Muong Lay Town Song Da ward - Muong Lay town, Dien Bien province TUYen QUang Minh Xuan ward, Tuyen Quang City, Tuyen Quang province Son Duong District Son Duong town, Son Duong district, Tuyen Quang province Yen Son District An Tuong commune, Tuyen Quang City, Tuyen Quang province Ham Yen District Tan Yen town, Ham Yen district, Tuyen Quang province Chiem Hoa District Vinh Loc town, Chiem Hoa district, Tuyen Quang province Na Hang District Na Hang town, Na Hang district, Tuyen Quang province Tuyen Quang City Tan Quang ward, Tuyen Quang City, Tuyen Quang province Yen BaI No 43 - Dinh Tien Hoang road, Dong Tam ward, Yen Bai City, Yen Bai province Yen Bai City Nguyen Thai Hoc Avenue, Yen Bai City, Yen Bai province Yen BaI II CItY Group 50, Minh Tan ward, Yen Bai City, Yen Bai province Yen Binh District Yen Binh town, Yen Binh district, Yen Bai province Luc Yen District Yen The town, Luc Yen district, Yen Bai province Tran Yen District Ward no 6, Co Phuc town, Tran Yen district, Yen Bai province Van Yen District Ward no 3, Mau A town, Van Yen district, Yen Bai province Van Chan District Son Thinh commune, Van Chan district, Yen Bai province Nghia Lo Town Tan An ward, Nghia Lo town, Yen Bai province Mu Cang Chai District Mu Cang Chai town, Mu Cang Chai district, Yen Bai province Tram Tau District Tram Tau town, Tram Tau district, Yen Bai province THaI NgUYen No 279, Thong nhat road, Gia Sang ward, Thai Nguyen City, Thai Nguyen province Thai Nguyen City No 10, Cach Mang Thang 8 Road, Thai Nguyen City, Thai Nguyen province Dong Hy District Chua Hang town, Dong Hy district, Thai Nguyen province Pho Yen District Ba Hang town, Pho Yen district, Thai Nguyen province Phu Binh District Huong Son town, Phu Binh district, Thai Nguyen province Phu Luong District Du town, Phu Luong district, Thai Nguyen province Dai Tu District Dai Tu town, Dai tu district, Thai Nguyen province Vo Nhai District Dinh Ca town, Vo Nhai district, Thai Nguyen province Dinh Hoa District Cho Chu town, Dinh Hoa district, Thai Nguyen province Song Cong Town Cach mang thang 10 Road, Song Cong town, Thai Nguyen province Song Cau No 138, Hoang Van Thu, Thai Nguyen City, Thai Nguyen province Bac Giang No 45 Ngo Gia Tu road, Bac Giang City, Bac Giang province Luc Ngan District Chu town, Luc Ngan district, Bac Giang province Luc Nam District Doi Ngo town, Luc Nam district, Bac Giang province Son Dong District An Chau town, Son Dong district, Bac Giang province Yen The District Cau Go town, Yen The district, Bac Giang province Bo Ha Bo Ha town, Yen The district, Bac Giang province Hiep Hoa District Zone 2 Thang town, Hiep Hoa district, Bac Giang province Lang Giang District Voi town, Lang Giang district, Bac Giang province Tan Yen District Pho moi, Cao Thuong town, Tan Yen district, Bac Giang province Viet Yen District Bich Dong town,Viet Yen district, Bac Giang province Bac Giang City No 01 Nguyen Thi Luu road, Bac Giang City, Bac Giang. province Xuong Giang 62 Ly Thai To, Tran Phu ward, Bac Giang City, Bac Giang province Dinh Tram Industrial zone Dinh Tram industrial zone, Viet Yen district, Bac Giang province Yen Dung District Neo town, Yen Dung district, Bac Giang province Mong CaI CItY No 24 Chu Van An street, Hoa Lac ward, Mong Cai City, Quang Ninh province
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Than Uyen District Than Uyen Town, Than Uyen District, Lai Chau Province Tan Uyen District Tan UyenTown, Tan Uyen District, Lai Chau Province Lai Chau Town No 216 Tran Hung Dao Street, Doan Ket Ward, Lai Chau Town, Lai Chau Province Son La No 8 Chu Van Thinh Street, Son La City, Son La Province. Son La City No 9 To Hieu Street, Son La City, Son La Province
47
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QUang NInH No 72, Tran Hung Dao road, Ha Long City, Quang Ninh province Ha Long City Milestone 5, Nguyen Van Cu road, Hong Hai ward, Ha Long city, Quang Ninh province Cam Pha City Group 41, Ba Trieu, Cam Dong ward, Cam Pha city, Quang Ninh province Bai Chay zone Zone 6, Cai Dam street, Bai Chay ward, Ha Long city, Quang Ninh province Ha Long 1 Ha Long 1 market, Ha Long city, Quang Ninh province Cao Thang No 159 Cao Thang road, Cao Thang ward, Ha Long city, Quang Ninh province Dong Trieu District 211, Tran Nhan Tong road, Dong Trieu town, Dong Trieu District, Quang Ninh province Mao Khe Hoang Hoa Tham road, Mao Khe town, Dong Trieu District, Quang Ninh province Quang Yen Town No 1, Ngo Quyen street, Quang Yen ward, Quang Yen town, Quang Ninh province Hoanh Bo District Zone 4 Troi town, Hoanh Bo District, Quang Ninh province Tien Yen District No 2C Hoa Binh street, Tien Yen town, Tien Yen District, Quang Ninh province Uong Bi City No 424 Quang Trung ward, Uong Bi City, Quang Ninh province Nam Cam Pha Group 48D, zone 6, Cam Thanh ward, Cam Pha City, Quang Ninh province Van Don District Zone 5 Cai Rong Town, Van Don District, Quang Ninh province Hoa BInH No. 751 Cu Chinh Lan, Phuong Lam, Hoa Binh City, Hoa Binh Province Luong Son District Sub zone 12, Luong Son Town, Luong Son District, Hoa Binh Province Da Bac District Lien Phuong Sub zone, Da Bac, Da Bac District, Hoa Binh Province Lac Son District Doc Lap Street, Vu Ban Town, Lac Son District, Hoa Binh Province Ky Son District Quarter 1, Ky Son Town, Ky Son District, Hoa Binh Province Mai Chau District Sub zone 2, Mai Chau Town, Mai Chau District, Hoa Binh Province Kim Boi District Thong Nhat Zone, Bo Town, Kim Boi District, Hoa Binh Province Tan Lac District Zone 3, Muong Khen, Tan Lac District, Hoa Binh Province Yen Thuy District Zone 8, Hang Tram Town, Yen Thuy, Hoa Binh Province Lac Thuy District Zone2, Chi Ne Town, Lac Thuy District, Hoa Binh Province Cao Phong District Zone 2, Cao Phong Town, Cao Phong District, Hoa Binh Province Phuong Lam Commercial Zone, Cu Chinh Lan, Group 26 Phuong Lam, Hoa Binh City, Hoa Binh Province Song Da Ly Nam De, Tan Thinh, Hoa Binh City, Hoa Binh Province PHU THo Tran Phu, Gia Cam, Viet Tri City, Phu Tho Province. Thanh Mieu No. 766 Thanh Mieu, Viet Tri City, Phu Tho Province Van Co No. 3143-Hung Vuong Avenue, Viet Tri City, Phu Tho Province Gia Cam 1959 Hung Vuong Avenue, Viet Tri City, Phu Tho Province Doan Hung District Doan Hung Town, Doan Hung District, Phu Tho Province Thanh Ba District Thanh Ba Town, Thanh Ba District, Phu Tho Province Phu Tho Town Truong Thinh Ward, Phu Tho Town, Phu Tho Province Ha Hoa District Ha Hoa Town, Ha Hoa District, Phu Tho Province Cam Khe District Zone 6- Song Thao Town, Cam Khe District, Phu Tho Province Tam Nong District Hung Hoa Town, Tam Nong District, Phu Tho Province Lam Thao District Lam Thao Town, Lam Thao District, Phu Tho Province Thanh Son District Thanh Son Town, Thanh Son District, Phu Tho Province Tan Son District Tan Phu, Thanh Son District, Phu Tho Province Yen Lap District Yen Lap Town, Yen Lap District, Phu Tho Province Thanh Thuy District La Phu, Thanh Thuy District, Phu Tho Province Phu Ninh District Phong Chau Town, Phu Ninh District, Phu Tho Province THanH Hoa 12 Phan Chu Trinh, Thanh Hoa city, Thanh Hoa Province. Thanh Hoa City 11, Phan Chu Trinh, Dien Bien Ward, Thanh Hoa City, Thanh Hoa Province No 2 267, Nguyen Trai, Tan Son Ward, Thanh Hoa city, Thanh Hoa Province No 3 248, Ba Trieu, Ham Rong Ward, Thanh Hoa city, Thanh Hoa Province No 4 389, Tran Hung Dao, NamNgan Ward, Thanh Hoa city, Thanh Hoa Province Ba Dinh 109 Dinh Cong Trang, Ba Dinh Ward, Thanh Hoa city, Thanh Hoa Province Ba Thuoc District Canh Nang Town, Ba Thuoc District, Thanh Hoa Province Cam Thuy District Cam Thuy Town, Cam Thuy District, Thanh Hoa Province Nga Son District Nga Son Town, Nga Son District, Thanh Hoa Province Ha Trung District Ha Trung Town, Ha Trung District, Thanh Hoa Province Thach Ban District Kim Tan Town, Thach Ban District, Thanh Hoa Province Vinh Loc District Vinh Loc Town, Vinh Loc District, Thanh Hoa Province Lang Chanh District Lang Chanh Town, Lang Chanh District, Thanh Hoa Province Ngoc Lac District Ngoc Lac Town, Ngoc Lac District, Thanh Hoa Province Tho Xuan District Tho Xuan Town, Tho Xuan District, Thanh Hoa Province Yen Dinh District Quan Lao Town, Yen Dinh District, Thanh Hoa Province Lam Son No 2 Lot Lam Son Town, Tho Xuan District, Thanh Hoa Province Hau Loc District Hau Loc Town, Hau Loc District, Thanh Hoa Province Thuong Xuan District Thuong Xuan Town, Thuong Xuan District, Thanh Hoa Province Trieu Son District Trieu Son Town, Trieu Son District, Thanh Hoa Province Dong Son District Rung Thong Town, Dong Son District, Thanh Hoa Province Hoang Hoa District But Son Town, Hoang Hoa District, Thanh Hoa Province Quang Xuong District Quang Xuong Town, Quang Xuong District, Thanh Hoa Province Nhu Xuan District Yen Cat Town, Nhu Xuan District, Thanh Hoa Province Nong Cong District Nong Cong Town, Nong Cong District, Thanh Hoa Province Tinh Gia District Tinh Gia Town, Tinh Gia District, Thanh Hoa Province Quan Hoa District Quan Hoa Town, Quan Hoa District, Thanh Hoa Province Bim Son Town 108 Tran Phu Road, Ba Dinh Ward, Bim Son Town, Thanh Hoa Province Thieu Hoa District Van Ha Town, Thieu Hoa District, Thanh Hoa Province Nhu Thanh District Ben Sung Town, Nhu Thanh District, Thanh Hoa Province Nghi Son District Nam Yen Hamlet, Hai Yen Commune, Tinh Gia District, Thanh Hoa Province NgHe An No 364 - Nguyen Van Cu, Vinh City, Nghe An Province Vinh City No 364 - Nguyen Van Cu, Vinh City, Nghe An Province Cua Lo Town Cua Lo Town, Nghe An Province Hung Nguyen District Thai Lao Town, Hung Nguyen District, Nghe An Province Nam Dan District Nam Dan Town, Nam Dan District, Nghe An Province Thanh Chuong District Dung Town, Thanh Chuong District, Nghe An Province Anh Son District Anh Son District, Nghe An Province Do Luong District Yen Son Commune, Do Luong District, Nghe An Province Tan Ky District Lat Town, Tan Ky District, Nghe An Province Yen Thanh District Yen Thanh Town, Yen Thanh District, Nghe An Province Nghi Loc District Nghi Trung Commune, Nghi Loc District, Nghe An Province Diem Chau District Diem Chau District, Nghe An Province Quynh Luu District Cau Giat Town, Quynh Luu District, Nghe An Province Thai Hoa District Hoa Hieu Ward, Thai Hoa Commune, Hung Nguyen District, Nghe An Province Hung Nguyen District Thai Lao Town, Hung Nguyen District, Nghe An Province Hung Nguyen District Thai Lao Town, Hung Nguyen District, Nghe An Province Hoang Mai Quynh Thien Commune, Quynh Luu District, Nghe An Province Con Cuong District Con Cuong Town, Nghe An Province Tuong Duong District Hoa Binh Town, Tuong Duong, Nghe An Province Quy Chau District Quy Chau Town, Quy Chau District, Nghe An Province Ky Son District Muong Xen Town, Ky Son District, Nghe An Province Que Phong District Kim Son Town, Que Phong District, Nghe An Province Ha TInH No 1, Phan Dinh Phung Street, Ha Tinh City, Ha Tinh Province Thanh Sen No 1, Phan Dinh Phung Street, Ha Tinh City, Ha Tinh Province Ha Tinh City No 73 Dang Dung Road, Ha Tinh City, Ha Tinh Province Hong Linh Town Hong Linh District, Ha Tinh Province Can Loc District Can Loc Town, CanLoc District, Ha Tinh Province Nghi Xuan District Nghi Xuan Town, Nghi Xuan District, Ha Tinh Province Vung Ang Economic Zone Ky Long Commune, Ky Anh District, Ha Tinh Province Huong KheDistrict Huong Khe Town, Huong Khe District, Ha Tinh Province Huong Son District Pho Chau Town, Huong Son District, Ha Tinh Province Tay Son Tay Son Town, Huong Son District, Ha Tinh Province DucTho District Duc Tho Town, Duc Tho District, Ha Tinh Province Thach Ha District Thach Ha Town, Thach Ha District, Ha Tinh Province Loc Ha District Loc Ha Town, Loc Ha District, Ha Tinh Province Ky Anh District Ky Anh Town, Ky Anh District, Ha Tinh Province
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Co To District Zone 2, Co To Town, Co To District, Quang Ninh province Hai Ha District No 18 Ly Thuong Kiet Street, Hai Ha District, Quang Ninh province Dam Ha District Le Luong Street, Dam Ha Town, Dam Ha District, Quang Ninh province Binh Lieu District Binh Quyen zone, Binh Lieu Town, Binh Lieu District, Quang Ninh province Ba Che District Zone 1, Ba Che Town, Ba Che District, Quang Ninh province
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Voi Ky Tien Commune, Ky Anh District, Ha Tinh Province Cam Xuyen District Cam Xuyen Town, Cam Xuyen District, Ha Tinh Province Vu Quang District Vu Quang Town, Vu Quang District, Ha Tinh Province SamSon Ho Xuan Huong Road, Truong Son Ward, Sam Son Town,Thanh Hoa Province QUangBInH No.02 Me Suot, Hai Dinh Ward, Dong Hoi City, Quang Binh Province Quang Trung No.48, Quang Trung, Dong Hoi City, Quang Binh Province Ly Thuong Kiet No.126, Ly Thuong Kiet, Dong Hoi City, Quang Binh Province Tran Hung Dao 39 Hoang Dieu, Sub zone no.5, Nam Ly Ward, Dong Hoi City, Quang Binh Province Ly Thai To Sub area No.3, Bac Nghia Ward, Dong Hoi City, Quang Binh Province Le Thuy District Lien Thuy Commune, Le Thuy District, Quang Binh Province Quang Ninh District Quan Hau Town, Quang Ninh District, Quang Binh Province Bo Trach District Hoan Lao Town, BoTrach District, Quang Binh Province Quang Trach District Ba Don Town, Quang Trach District, Quang Binh Province Tuyen Hoa District Dong Le Town, Tuyen Hoa District, Quang Binh Province Cam Lo District Km 12 National Road no. 9- Cam Lo Town, Cam Lo District, Quang Tri Province Da Krong District km 41 National Road no. 9-Krong Klang Town, Da Krong District, Quang Tri Province Huong Hoa District Km 63, National Road no. 9, Khe Sanh Town, Huong Hoa District, Quang Tri Province Lao Bao No.5, Ly Thuong Kiet Street, Lao Bao TownHuong Hoa, Quang Tri Province Trieu Hai Area 297 Tran Hung Dao, Quang Tri Town, Quang Tri Province. Hai Lang District No. 01, Hung Vuong Street, Hai Lang Town, Hai Lang District, Quang Tri Province Trieu Phong District Ai tu Town, Trieu Phong District, Quang Tri Province. THUa THIen HUe 10 Hoang Hoa Tham, Vinh Ninh Ward, Hue City, Thua Thien Hue Province Nam Song Huong 72 Hung Vuong, Phu Nhuan Ward, Hue City, Thua Thien Hue Province Truong An 88 Nguyen Hue, Vinh Ninh Ward, Hue City, Thua Thien Hue Province Bac Song Huong 139-141 Tran Hung Dao, Hue City, Thua Thien Hue Province Phong Dien District Phong Dien Town, Phong Dien District, Thua Thien Hue Province Quang Dien District Sia Town , Quang Dien District, Thua Thien Hue Province Huong Tra District 119 Cach mang Thang 8, Tu Ha Ward, Huong Tra Town, Thua Thien Hue Province Phu Vang District Phu Da Commune, Phu Vang District, Thua Thien Hue Province Huong Thuy District 379 Nguyen Tat Thanh, Phu Bai Ward, Huong Thuy Town, Thua Thien Hue Province Phu Loc District Zone No. 1 Phu Loc Town, Phu Loc District, Thua Thien Hue Province Nam Dong District Zone No. 2, Khe Tre Town, Nam Dong District, Thua Thien Hue Province A Luoi District A Luoi Town , A Luoi District, Thua Thien Hue Province
ReD River DeLtA

HaI PHong CItY 283 Lach Tray- quan Ngo Quyen, Hai Phong City Hai An District Ngo Gia Tu and Le Hong Phong Road Intersection, Hai Phong City Hong Bang District No.4 Ha Noi Street, Thuong Ly, Hong Bang District, Hai Phong City Kien An District 95 Tran Thanh Ngo, Kien An District, Hai Phong City Le Chan District 393 To Hieu, Le Chan District, Hai Phong City Ngo Quyen District 276 A- Da Nang- Ngo Quyen District, Hai Phong City An Duong District An Duong, An Duong District, Hai Phong City An Lao District An Lao Town, An Lao District, Hai Phong City Kien Thuy District No 4 - Cam Xuan- Nui Doi Town, Kien Thuy District, Hai Phong City Dai Hop Dai Hop Commune, Kien Thuy District, Hai Phong City Thuy Nguyen District Nui Deo Town, Thuy Nguyen District, Hai Phong City Ngu Lao Ngu Lao Commune- Thuy Nguyen District, Hai Phong City Ky Son Ky Son Commune- Thuy Nguyen District, Hai Phong City Tien Lang District Tien Lang Town- Tien Lang District, Hai Phong City Vam Lang Hung Thang, Tien Lang District, Hai Phong City Vinh Bao No. 19 Street 20/8- Vinh Bao Town, Hai Phong City Nam Am Tam Cuong, Vinh Bao District, Hai Phong City Quan Do Son 8 Ly Thanh Tong- Do Son District, Hai Phong City Cat Ba Zone Cat Ba Town, Cat Hai District, Hai Phong City Cat Hai Zone Cat Hai Town, Cat Hai District, Hai Phong City
An Hung Km 14- National Road no.5, An Duong District, Hai Phong City Quan Duong Kinh Km 11+600 Pham Van Dong Street, Duong Kinh District, Hai Phong City Tran Phu 25 Tran Phu Street- Ngo Quyen District, Hai Phong City VInH PHUC Kim Ngoc Street, Lien Bao, Vinh Yen City, Vinh Phuc Province Bac Vinh Yen Area I, Hung Vuong Street, Dong Tam Ward,Vinh Yen City, Vinh Phuc Vinh Tuong District Area II, Vinh Tuong Town, Vinh Tuong District, Vinh Phuc Province Tho Tang Tho Tang Town, Vinh Tuong District, Vinh Phuc Province Yen Lac District Doai Village, Yen Lac Town, Yen Lac District, Vinh Phuc Province Lap Thach District Lap Thach Town, Vinh Phuc Province Tam Duong District Hop Hoa Town, Tam Duong District, Vinh Phuc Province Tam Dao District Hop Chau Commune, Tam Dao District, Vinh Phuc Province Binh Xuyen District Area I, Huong Canh Town, Binh Xuyen, Vinh Phuc Province Song Lo District Tam Son Town, Song Lo District, Vinh Phuc Province PHUC Yen Tran Hung Dao Street, Trung Trac, Phuc Yen, Vinh Phuc Province Sao Do 136 Nguyen Trai 1, Sao do, Chi Linh, Hai Duong Province Pha Lai Cong Hoa Commune, Chi Linh District, Hai Duong Province Dai Tan Cong Hoa Commune, Chi Linh District, Hai Duong Province HaI DUong No. 4 Le Thanh Nghi Street, Pham Ngu Lao Ward, Hai Duong City, Hai Duong Province Hai Duong City No.109 Le Thanh Nghi Street, Pham Ngu Lao Ward, Hai Duong City, Hai Duong Province Kim Thanh Phu Thai Town, Kim Thanh District, Hai Duong Province
Kinh Mon Kinh Mon Town, kinh Mon District, Hai Duong Province Nam Sach Hung Vuong Street, Nam Sach Town, Nam Sach District, Hai Duong Province Thanh Ha Zone 1, Thanh Ha Town, Thanh Ha District, Hai Duong Province Cam Giang Lai Cach Town, Cam Giang District, Hai Duong Province Binh Giang Ke Sat Town, Binh Giang District, Hai Duong Province Gia Loc Gia Loc Town, Gia Loc District, Hai Duong Province Tu Ky No.128, Street 391, Tu Ky Town, Tu Ky District, Hai Duong Province Thanh Mien Zone 3, Thanh Mien Town, Thanh Mien District, Hai Duong Province Ninh Giang Khuc Thua Du Street, Ninh Giang Town, Ninh Giang District, Hai Duong Province Thanh Binh Km 2 Nguyen Luong Bang Street, Hai Duong City, Hai Duong Province THaI BInH 150 Le Loi, Thai Binh City, Thai Binh Province Thai Binh City Tran Hung Dao Street, Thai Binh City, Thai Binh Province Vu Thu Vu Thu Town, Vu Thu District, Thai Binh Province Kien Xuong Thanh Ne Town, Kien Xuong District, Thai Binh Province Tien Hai Tien Hai Town, Tien Hai District, Thai Binh Province Dong Hung Dong Hung Town, Dong Hung District, Thai Binh Province Thai Thuy Diem Dien Town, Thai Thuy District, Thai Binh Province Quynh Phu Quynh Coi Town, Quynh Phu District, Thai Binh Province Hung Ha Hung Ha Town, Hung Ha District, Thai Binh Province Area I No. 63, Le Loi, Thai Binh City, Thai Binh Province.
Nam DInH No. 45 Bach Dang, Nam Dinh City, Nam Dinh Province Nam Dinh City 304 Tran Hung Dao Street, Nam Dinh City, Nam Dinh Province Nam Truc Nam Giang Town, Nam Truc District, Nam Dinh Province Xuan Truong Xuan Truong Town, Xuan Truong District, Nam Dinh Province Thinh Long Thinh Long Town, Hai Hau District, Nam Dinh Province Truc Ninh District Cat Thanh Town, Truc Ninh District, Nam Dinh Province Nghia Hung District Lieu De Town, Nghia Hung District, Nam Dinh Province Giao Thuy Ngo Dong Town, Giao Thuy District, Nam Dinh Province Con Con Town, Hai Hau District, Nam Dinh Province Hai Hau Yen Dinh Town, Hai Hau District, Nam Dinh Province Thanh Nam No. 5, Phan Boi Chau Street, Nam Dinh City, Nam Dinh Province Dong Binh Dong Binh Town, Nghia Hung District, Nam Dinh Province BaC Nam DInH Lot N5, Pham Ngu Lao Street, Hoa Xa Indistrial Zone, Nam Dinh Province Y Yen Lam Town, Y Yen District, Nam Dinh Province Vu Ban Road 10, Goi Town, Vu Ban District, Nam Dinh Province My Loc My Loc Town, My Loc District, Nam Dinh Province NInH BInH Tan Thanh Ward, Ninh Binh City, Ninh Binh Province Ninh Binh City Thanh Binh Ward, Ninh Binh City, Ninh Binh Province Song Van Thanh Binh Ward, Ninh Binh City, Ninh Binh Province
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Minh Hoa District Quy Dat Town, Minh Hoa District, Quang Binh Province QUangTrI 1A-Le Qui Don-Dong Ha City, Quang Tri Province Dong Ha City 225 HungVuong, Dong Le Ward, Dong Ha City, Quang Tri Province Vinh Linh District Ho Xa Town, Vinh Linh District, QuangTri Province Gio Linh District National Road no.I- Gio Linh Town, Gio Linh District, QuangTri Province
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NETWORK
Gia Vien Me Town, Gia Vien District, Ninh Binh Province Gian Khau Zone Gia Tran Commune, Gia Vien District, Ninh Binh Province Hoa Lu Thien Ton Town, Hoa Lu District, Ninh Binh Province Kim Son Phat Diem Town, Kim Son District, Ninh Binh Province Binh Minh Zone Binh Minh Town, Kim Son District, Ninh Binh Province Nho Quan Nho Quan Town, Nho Quan District, Ninh Binh Province Ria Zone Ria Town, Nho Quan District, Ninh Binh Province Tam Diep Town Bac Son Ward, Tam Diep Town, Ninh Binh Province Yen Khanh Yen Ninh Town, Yen Khanh District, Ninh Binh Province Yen Mo Yen Thinh Town, Yen Mo, Ninh Binh Province HUng Yen 304-Nguyen Van Linh, Hung Yen City, Hung Yen Province Hung Yen City 122, Pham Ngu Lao, Hung Yen City, Hung Yen Province Tien Lu Vuong Town, Tien Lu District, Hung Yen Province An Thi An Thi Town, An Thi District, Hung Yen Province Van Lam District Nhu Quynh Town, Van Lam District, Hung Yen Province Minh Duc Industrial Zone Minh Duc Commune, My Hao District, Hung Yen Province BaC NInH 37 Nguyen Dang Dao street, Suoi Hoa Ward, Bac Ninh City, Bac Ninh Province Bac Ninh City 81 Nguyen Du, Ninh Xa Ward, Bac Ninh City, Bac Ninh Province Luong Tai District Thua Town, Luong Tai District, Bac Ninh Province Gia Binh District Gia Binh Town, Gia Binh District, Bac Ninh Province Thuan Thanh District Ho Town, Thuan Thanh District, Bac Ninh Province Que Vo District Pho Moi Town, Que Vo District, Bac Ninh Province Tien Du District Lim Town, Tien Du District, Bac Ninh Province Yen Phong District Cho Town, Yen Phong District, Bac Ninh Province Tien Son Industrial Zone 16, Tu Son 11 Road- Tien Son Industrial Zone, Bac Ninh Province TU Son Town Khu dat moi, National Road 1A, Dinh Bang Ward, Tu Son Town, Bac Ninh Province H Nam 52 Tran Phu street, Quang Trung Ward, Phu Ly City, Ha Nam Province Phu Ly City Le Chan Road, Le Hong Phong Ward, Phu Ly City, Ha Nam Province Duy Tien District Hoa Mac Town, Duy Tien District, Ha Nam Province Dong Van Dong Van Town, Duy Tien District, Ha Nam Province Ly Nhan District Vinh Tru Town, Ly Nhan District, Ha Nam Province Cho Cau Bac Ly Commune, Ly Nhan District, Ha Nam Province Cho Chanh Nhan My Commune, Ly Nhan District, Ha Nam Province Kim Bang District Que Town, Kim Bang District, Ha Nam Province Nhat Tan Nhat Tan Commune, Kim Bang District, Ha Nam Province Tan Son Tan Son Commune, Kim Bang District, Ha Nam Province Binh Luc District Binh My Town, Binh Luc District, Ha Nam Province Ngoc Lu Ngoc Lu Commune, Binh Luc District, Ha Nam Province Thanh Liem District Thanh Ha Commune, Thanh Liem District, Ha Nam Province Non Thanh Luu Commune, Thanh Liem District, Ha Nam Province Pho Ca Thanh Nguyen Commune, Thanh Liem District, Ha Nam Province Tan Phu District Km 125 National Road 20, Tan Phu Town, Tan Phu District, Dong Nai Province Long Thanh District 01 Tran Phu Street, Phuoc Hai Zone, Long Thanh Town, Long Thanh District, Dong Nai Province Nhon Trach District Ton Duc Thang Street, Phu Hoi Commune, Nhon Trach District, Dong Nai Province BIen Hoa 1A Ha Noi Highway, Binh Da Ward, Bien Hoa City, Dong Nai Province Ba RIa - VUng TaU 21 Nguyen Huu Tho street, Phuoc Trung Ward, Ba Ria City, Ba Ria - Vung Tau Province Long Dien District 27 Tran Xuan Do Street, Long Dien Town, Long Dien District, Ba Ria - Vung Tau Province Xuyen Moc District 157 National Road 55, Phuoc Buu Town, Xuyen Moc District, Ba Ria - Vung Tau Province Chau Duc District Tan Thanh District National Road 51, Phu My Town, Tan Thanh District, Ba Ria - Vung Tau Province Than Thanh Industrial Zone Route 13, Phu My 1 Industrial Zone, Phu My Town, Tan Thanh District, Ba Ria - Vung Tau Province Dat Do District Hiep Hoa Quarter, Dat Do Town, Dat Do District, Ba Ria - Vung Tau Province VUng TaU 43A Road 30/4, Ward 2, Vung Tau City, Ba Ria - Vung Tau Province BnH Dng 45 Binh Duong Avenue, Chanh Nghia Ward, Thu Dau Mot City, Binh Duong Province So Sao Village 2, Tan Dinh Commune, Ben Cat Dicstrict, Binh Duong Province Thu Dau Mot Town No.9 Doan Tran Nghiep, Phu Cuong Ward, Thu DauMot City, Binh Duong Province Ben Cat District No.2 Quarter, My Phuoc Town, Ben Cat District, Binh Duong Province Tan Uyen District Uyen Hung Town, Tan Uyen District, Binh Duong Province Dau Tieng District No.2 Quarter, Dau Tieng Town, Dau Tieng District, Binh Duong Province Phu Giao District PhuocVinh Town, Phu Giao District, Binh Duong Province Tan Phuoc Khanh Town Tan Phuoc Khanh Town, Tan Uyen District, Binh Duong Province Song THan InDUstrIaL Zone 6A Doc Lap Avenue, Song Than 1 Industrial Zone, Di An District, Binh Duong Province Thuan An Town No.35-37-39 Do Huu Vi, Lai Thieu Ward, Thuan An Town, Binh Duong Province Di An Town Di An Administrative center, Di An Town, Binh Duong Province BInH PHUoC National Road 14, Tan Binh Ward, Dong Xoai Town, Binh Phuoc Province Dong Xoai Town No.1037 Phu Rieng Do Road, Dong Xoai Town, Binh Phuoc Province Binh Long Town No.71 Nguyen Hue Road, Hung Chien Ward, Binh Long Town, Binh Phuoc Province Loc Ninh Town Loc Ninh Town, Loc Ninh District, Binh Phuoc Province Phuoc Long Town No.9 Le Quy Don Road, Thac Mo Ward, Phuoc Long Town, Binh Phuoc Province Bu Dang District Duc Phong Town, Bu Dang District, Binh Phuoc Province Dong Phu District Tan Phu Town, Dong Phu District, Binh Phuoc Province Phu Rieng DT312 Road, Phu Rieng Commune, Bu Gia Map District, Binh Phuoc Duc Lieu Duc Lieu Commune, Bu Dang District, Binh Phuoc Province Bu Nho DT741 Road, Bu Nho Commune, Bu Gia Map District, Binh Phuoc Province Chon Thanh District Chon Thanh Town, Chon Thanh District, Binh Phuoc Province Phuoc Binh DT741 Road, Phuoc Binh Ward, PhuocLong Town, BinhPhuoc Province Bu Dop District Thanh Binh Town, Bu Dop District, Binh Phuoc Province Da Kia DT749 Road, Da Kia Commune, Bu Gia Map District, Binh Phuoc Province Loc Hiep Loc Hiep Commune, Loc Ninh District, Binh Phuoc Province Tan Thanh Tan Thanh Commune, Dong Xoai Town, Binh Phuoc Province TaY NInH 468 Cach mang thang 8 Road, 3 Ward, TayNinh Town, TayNinh Provine Tan Hung sugarcane Zone Tan Hung Commune, Tan Chau District, Tay Ninh Province Trang Bang Industrial Zone Trang Bang Industrial Zone, Tay Ninh Province Hoa Thanh District Hoa Thanh Town, Hoa Thanh District, Tay Ninh Province Go Dau District Go Dau Town, Go Dau District, Tay Ninh Province Trang Bang District Gia Huynh Village, Gia Loc Commune, Trang Bang District, Tay Ninh Province Ben Cau District Ben Cau Town, Ben Cau District, Tay Ninh Province Chau Thanh District Chau Thanh Town, Chau Thanh District, Tay Ninh Province Tan Bien District Tan Bien Town, Tan Bien District, Tay Ninh Province Tan Chau District Tan Chau Town, Tan Chau District, Tay Ninh Province Duong Minh Chau District Duong Minh Chau Town, Duong Minh Chau District, Tay Ninh Province Long An 01 Vo Van Tan Street, 2 Ward, Tan An City, Long AnProvine Tan An City No.136 House, 138 Nguyen Trung Truc Street, 1 Ward, Tan An City, Long An Province Area II Tan An City 108 National Road 1, 2 Ward, Tan An City, Long An Province Area III Tan An City 23 Truong Cong Xuong, 1 Ward, Tan An City, Long An Province Area Duc Hoa Zone 3, Duc Hoa Town, Duc Hoa District, Long An Province Area Cu Voi 6 Village, Nhi Thanh Commune, CauVoi Town, Thu Thua District, Long An Province Area G en National Road 1A, Area1, ChoVillage, Phuoc Loi Commune, Ben Luc District, Long An Province
WEST AND EAST OF SOUTHERN REGION

Dong NaI 121-123 30/4 Road, Thanh Binh Ward, Bien Hoa City, Dong Nai Province Tan Bien 47/5, Quarter 1, Tan Bien Ward, Bien Hoa City, Dong Nai Province Tan Hiep 4C Dong Khoai, Tan Tien Ward, Bien Hoa City, Dong Nai Province Tam Phuoc Route 6, Tam Phuoc Industrial Zone, Bien Hoa City, Dong Nai Province Vinh Cuu District Quarter 2, Vinh An Town, Vinh Cuu District, Dong Nai Province Trang Bom District National Road 1A, Trang Bom Town, Trang Bom District, Dong Nai Province Thong Nhat District Road A1, District Administrative Region, Xuan Thanh Commune, Thong Nhat District, Dong Nai Province Long Khanh Town 50 Cach mang thang 8 Road, Xuan Hoa Ward, Long Khanh Town, Dong Nai Province Cam My District Administrative Region of Cam My District, Huong lo 10, Long Giao Commune, Cam My District, Dong Nai Province Xuan Loc Distrcit 296 Tran Phu street, Zone 3, Gia Ray Town, Xuan Loc District, Dong Nai Province Dinh Quan District Km115 National Road 20, Dinh Quan Town, Dinh Quan District, Dong Nai Province
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Kim Dong Luong Bang Town, Kim Dong District, Hung Yen Province Khoai Chau District Khoai Chau Town, Khoai Chau District, Hung Yen Province Phu Cu District Tran Cao Town, Phu Cu District, Hung Yen Province Yen My District Tan Lap Commune, Yen My District, Hung Yen Province Van Giang District Van Giang Town, Van Giang District, Hung Yen Province MY Hao Ban Town, Yen Nhan, My Hoa District, Hung Yen Province
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OPERATING
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Duc Hoa District Area B, Hau Nghia Town, Duc Hoa District, Long An Province Moc Hoa District No.430/4 Street, Moc Hoa Town, Moc Hoa District, Long An Province Duc Hue District Zone 2, Dong Thanh Town, Duc Hue District, Long An Province Tan Thanh Town Zone 1, Tan Thanh Town, Tan Thanh District, Long An Province Vinh Hung District 30/4 Vinh Hung Town, Vinh Hung District, Long An Province Chau Thanh District Phan Van Dat, 3 Village, Tam Vu Town, Chau Thanh District, Long An Province Ben Luc District 3 Huynh Chau So, Zone 1, Ben Luc Town, Ben Luc District, Long An Province Tan Tru District 157 Nguyen Trung Truc Road, Tan Tru Town, Tan Tru District, Long An Province Can Giuoc District National Road 50, Can Giuoc Town, Can Giuoc District, Long An Province Can Duoc District Zone 1A, Can Duoc Town, Can Duoc District, Long An Province Thu Thua District Phan Van Tinh, Thu Thua Town, Thu Thua District, Long An Province Thanh Hoa District 2 Village, Thanh Hoa Town, Thanh Hoa District, Long An Province Tan Hung District No.323/2 Road, Go Thuyen Street, Tan Hung Town, Tan Hung District, Long An Province TIen GIang 31 Le Loi Street, Ward I, My Tho city, Tien Giang province Cai Be District Zone 1A, Cai Be Town, Cai Be District, Tien Giang Province My Tho City 280C Ly Thuong Kiet Street, Ward 5, My Tho city, Tien Giang province My Tho Industrial Zone No.71, Binh Tao A Village, Trung An Commune, My Tho city, Tien Giang Province Tan Phuoc District Zone IV My Phuoc Town, Tan Phuoc district, Tien Giang province Tan Phu Dong District Tan Phu Village, Phu Thanh Commune, Tan Phu Dong District, Tien Giang province Ben Tre 284 A1 Dong Khoi Street, Phu Tan Ward, Ben Tre City, Ben Tre Province Ben Tre City 25C Doan Hoang Minh, Ward 5, Ben Tre City, Ben Tre Province Dong Khoi 14A Dong Khoi Avenue, Ward 2, Ben Tre City, Ben Tre Province Chau Thanh District Quarter 3, Chau Thanh Town, Chau Thanh district, Ben Tre Province Binh Dai District No. 266, 30/4 Street, Quarter 2, Binh Dai Town, Binh Dai district, Ben Tre Province Giong Trom District Binh An Village, Binh Thanh Commune, Giong Trom District, Ben Tre Province Ba Tri District No. 43 19/5 Street, Quarter 2, Ba Tri Town, Ba Tri District, Ben Tre Province Mo Cay Nam District No.6 National Road 60, Quarter 2, Mo Cay Town, Mo Cay Nam district, Ben Tre Cho Lach District 195/18B Quarter 2, Cho Lach town, Cho Lach District, Ben Tre Province Thanh Phu District 215/3 Village 10, Thanh Phu Town, Thanh Phu district, Ben Tre Province VInH Long 28 Hung Dao Vuong Street, Ward 1, Vinh Long City, Vinh Long Province Vinh Long City 14 Hung Vuong Street, Ward 1, Vinh Long City, Vinh Long Province Long Ho District Area 5, Long Ho Town, Long Ho District, Vinh Long Province Hoa Phu Industrial Zone Phuoc Long Village, Loc Hoa Commune, Long Ho District, Vinh Long Province Mang thit District Area 1, Cai Nhim town, Mang Thit District, Vinh Long Province Vung Liem District Area 2- Vung Liem town, Vung Liem District, Vinh Long Province Binh Minh District 165/15 Area 1 - Ngo Quyen - Cai Von Town, Binh Minh District, Vinh Long Province Binh Tan District Tan Thuan Village, Tan Quoi Commune, Binh Tan District, Vinh Long Province Tam Binh District Area 2 - Tam Binh Town, Tam Binh district, Vinh Long Province Tra On District 30B Gia Long - Tra On Town, Tra On District, Vinh Long Province Dong THaP 01 Nguyen Du Street, Ward 2, Cao Lanh city, Dong Thap province Cao Lanh City 15-17 Nguyen Hue Street, Ward 1, Cao Lanh city, Dong Thap province Sa Dec Town 18 Tran Hung Dao Street - Sa Dec Town, Dong Thap province Chiem Thanh District Cai Tau Ha Town, Chau Thanh district, Dong Thap province Lai Vung District Lai Vung town, Lai Vung district, Dong Thap province Lap Vo District Lap Vo town, Lap Vo district, Dong Thap province Cao Lanh District My Tho Town, Cao Lanh district, Dong Thap province Thap Muoi District An My town, Thap Muoi district, Dong Thap province Thanh Binh District Thanh Binh Town, Thanh Binh district, Dong Thap province Tam Nong District Tram Chim town, Tam Nong district, Dong Thap province Hong Ngu Town 240 Ly Thuong Kiet Street, An Thanh Ward, Hong Ngu Town, Dong Thap province Tan Hong District Sarai Town, Tan Hong District, Dong Thap province Can THo 3 Phan Dinh Phung Street, Tan An Ward, Ninh Kieu District, Can Tho City Binh Thuy District Lot L03.08-09, Ngan Thuan residential Zone, Le Hong Phong Street, Binh Thuy Ward, Binh Thuy District, Can Tho City Cai Rang district 106/4 Vo Tanh Street, Cai Rang District, Can Tho City O Mon District National Road 91, Zone 10, Chau Van Liem Wart, O Mon District, Can Tho City Thot Not District 99 Nguyen Thai Hoc Street, Thot Not Ward, Thot Not District, Can Tho City Co Do District Co Do Town, Co Do district, Can Tho City Vinh Thanh District 2983 Trung An Town, Vinh Thanh District, Can Tho City Thoi Lai District 298 Thoi Lai town, Thoi Lai District, Can Tho City Phong Dien District Nhon Ai Commune, Phong Dien District, Can Tho City NInH KIeU No.8-10 Nam Ky Khoi Nghia Street, Tan An Ward, Ninh Kieu District, Can Tho City An GIang 51B Ton Duc Thang Street, My Binh Ward, Long Xuyen City, An Giang province Long Xuyen City 42-44-46 Hai Ba Trung Street, My Long, Long Xuyen City, An Giang province Chau Doc Town 24-26 Quang Trung Street, Chau Phu B, Chau Doc Town, An Giang province Chau Thanh District National Road 91, An Chau Town, Chau Thanh district, An Giang province Chau Phu district National Road 91, Cai Dau town. Chau Phu district, An Giang province Cho Moi district 10 Le Loi, Cho Moi town, Cho Moi district, An Giang province My Luong Nguyen Hue, My Luong town, Cho Moi district, An Giang province Phu Tan district Phu My town, Phu Tan district, An Giang province Cho Vam Phu Xuong ward, Cho Vam town, Phu Tan district, An Giang province Tan Chau town 215 Tran Hung Dao, Long Thanh Ward, Tan Chau, An Giang province Tinh Bien district Hoa Thuan ward, Nha Bang, Tinh Bien district, An Giang province Chi Lang Chi Lang Town, Tinh Bien district, An Giang province Tri Ton district 63 Tran Hung Dao Street, Tri Ton Town, Tri Ton district, An Giang province Thoai Son district 453 Nguyen Hue, Nui Sap town, the Thoai Son, An Giang province An Phu district 12 Thoai Ngoc Hau, An Phu town, An Phu district, An Giang province KIen GIang 01 Ham Nghi, Vinh Thanh Van Ward, Rach Gia City, Kien Giang Province Ben Nhat Long Thanh Giong Rieng district, Kien Giang Province My Lam 105 Highway 80, Hung Giang ward, My Lam, Hon Dat District, Kien Giang Rach Soi 04 Mai Thi Hong Hanh, Rach Gia city, Kien Giang Province Vinh Lac 166 Nguyen Trung Truc, Rach Gia City, Kien Giang Province An Bien district National Road 63, Zone 3, the 3rd town, district An Bien, Kien Giang An Minh District Zone II - 11th Town An Minh district, Kien Giang Chau Thanh district Minh Luong town, Chau Thanh district, Kien Giang Province Giong Rieng district Zone 3 - Giong Rieng town, Giong Rieng, Kien Giang Go Quao district Phuoc Hung 1 Village, Go Quao town, Go Quao districts, Kien Giang Province Kien Luong district Kien Luong town, Kien Luong district, Kien Giang Province Hon Dat district Hon Dat town, Hon Dat District, Kien Giang Province Kien Hai District Village 1, Hon Tre and Kien Hai District, Kien Giang Province Tan Hiep district B-Town Tan Hiep, Tan Hiep district, Kien Giang Vinh Thuan district Vinh Thuan town, Vinh Thuan District, Kien Giang Province Ha Tien town 37 Lam Son - Ha Tien Town, Kien Giang Province Ba Hon Ba Hon ward, Kien Luong town, Kien Luong district, Kien Giang Province PHU QUoC No. 2, Tran Hung Dao Street, 2nd Quarter, Duong Dong town, Phu Quoc Island, Kien Giang Province Tra VInH 138 Tran Quoc Tuan, 2 Ward, city of Tra Vinh, Tra Vinh Tra Vinh City 70-72 Le Loi Street, 2 Ward, city of Tra Vinh, Tra Vinh Duyen Hai District Area 1, The Coastal Town, Duyen Hai district, Tra Vinh Chau Thanh district Area 2, Chau Thanh town, Chau Thanh district, Tra Vinh Tra Cu district Area 5, Tra Cu town, Tra Cu district, Tra Vinh Tieu Can district 02 Area 1, Tieu town, Tieu Can district, Tra Vinh Cau Ke district Cau Ke Town, Cau Ke district, Tra Vinh Cang Long district Area 3,Cang Long town, Cang Long district, Tra Vinh No. 1 65-67 Quang Trung, Ward 2, city of Tra Vinh, Tra Vinh No. 2 24 Tran Phu, Ward 3, the city of Tra Vinh, Tra Vinh Cau Ngang district Cau Ngang Town, Cau Ngang, Tra Vinh Soc Trang 20B Tran Hung Dao Street, Ward 2-Soc Trang city - Soc Trang Province Soc Trang City No. 4, Tran Hung Dao Street, Ward 2, Soc, Soc Trang My Xuyen district No. 11/53A Le Loi, My Xuyen Town, My Xuyen district, Soc Trang province My Tu district No. 9, Tran Phu, Cau Don village, township Huynh Huu Nghia, My Tu district, Soc Trang province Ke Sach district No. 02, 3/2, An Thanh Village, Ke Sach town, Ke Sach District, Soc Trang Thanh Tri district 278 Tran Hung Dao Street, 1 ward, Phu Loc Town, Thanh Tri district, Soc Trang province Vinh Chau town 45C, Nguyen Hue Street, Area 1, Ward 1, Vinh Chau Town, Soc Trang province Nga Nam District Mai Thanh The, Village 1, Nga Nam Town, Nga Nam district, Soc Trang province
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Go Cong Town 04 Truong Dinh, Go Cong Town, Tien Giang Province Go Cong Dong District 55 Duong Phu Quarter, Tan Hoa, Go Cong Dong district, Tien Giang province Go Cong Tay District Ap Bac, Vinh Binh town, Go Cong Tay District, Tien Giang Province Cho Gao District 84 Lot 2, Zone 1 Cho Gao Town, Cho Gao District, Tien Giang Province Chau Thanh District Ap Ca, Tan Hiep commune, Chau Thanh district, Tien Giang province Cai Lay District Zone 5 Cai Lay Town, Cai Lay District, Tien Giang Province
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OPERATING
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Long Phu District No 9, Doan The Trung, Village 3, Long Phu town, Long Phu District, Soc Trang Cu Lao Dung district No. 26, Doan Van To Road, Cho Village, Cu Lao Dung Town, Cu Lao Dung District, Soc Trang Ba Xuyen 11 Le Loi Street, Ward 6, City Soc, Soc Trang Thanh Phu No. 7, Village 3, Thanh Phu commune, My Xuyen district, Soc Trang province Chau Thanh district 151 (National Road 1), Tra Quyt A Village, Chau Thanh Town, Chau Thanh district, Soc Trang province Tran De district Cho Village, Trung Binh Commune, Tran De District, Soc Trang province HaU GIang No. 55, 30/4 Road, Ward 1, Vi Thanh City, Hau Giang Province Vi Thuy district 308 Ngo Quoc Tri Road - Village 3 - Nang Mau Town, Vi Thuy District, Hau Giang Province Long My district No. 31 - 3/2, Village 2, Long My Town, Long My District, Hau Giang Nga Bay Town No. 70, Zone 1, Nga Bay ward, Nga Bay Town, Hau Giang Phung Hiep District No. 588 - My Loi Village, Cay Duong Town, Phung Hiep District, Hau Giang Province Chau Thanh District No. G6-G7, Road 09, Nga Sau Commercial Zone, Chau Thanh District, Hau Giang Province Chau Thanh A District Thi Tu Village, Mot Ngan Town, Chau Thanh A District, Hau Giang Province Cai Tac No. 51, National Road 61, Tan Phu A Village, Cai Tac Town, Chau Thanh A District, Hau Giang Province Hoa Luu No. 965, Tran Hung Dao Street, ward 7, Vi Thanh City, Hau Giang Province BaC LIeU No. 250 Tran Phu, ward 7, Bac Lieu City, Bac Lieu Province Hoa Binh District A Town Village, Hoa Binh Town, Hoa Binh District, Bac Lieu Province Phuoc Long District Hanh Chinh Village, Phuoc Long Town, Phuoc Long District, Bac Lieu Province Gia Rai District Village 1, Ho Phong Town, Gia Rai District , Bac Lieu Province Hong Dan District Noi O Village, Ngan Dua Town, Hong Dan District, Bac Lieu Province Dong Hai District Village 3, Ganh Hao Town, Dong Hai District, Bac Lieu Province Vinh Loi District Xeo Chich Village, Chau Hung Town, Vinh Loi District, Bac Lieu Province Bac Lieu City No. 85, Tran Huynh street, ward 7, Bac Lieu City, Bac Lieu Province Ca MaU No. 05 An Duong Vuong, ward 7, City Ca Mau, Province Ca mau Ca Mau City 14-16 Ngo Quyen - P2- Ca Mau City, Ca Mau Province Cai Nuoc District Cai Nuoc Town, Cai Nuoc District, Ca Mau Province Thoi Binh District Thoi Binh Town, Thoi Binh District, Ca Mau Province Dam Doi District Dam Doi Town, Dam Doi District, Ca Mau Province U Minh District U Minh Town, U Minh District, Ca Mau Province Ngoc Hien District Tan An, Ngoc Hien District , Ca Mau Province Tran Van Thoi District Tran Van Thoi Town, Tran Van Thoi District, Ca Mau Province Nam Can District Nam Can Town, Nam Can District, Ca Mau Province Phu Tan District Cai Doi Vam Town, Phu Tan District, Ca Mau Province Ong Ich Khiem 542 Ong Ich Khiem, Da Nang City Cho Moi 304 Trung Nu Vuong, Da Nang City Thanh Khe District 249 Dien Bien Phu, Thanh Khe District, Da Nang City Lien Chieu District 136 Nguyen Luong Bang,Lien Chieu District, Da nang City Son Tra District G33, G34 Pham Van Dong, Son Tra District, Da Nang City Ngu Hanh Son District 470 A Le Van Hien, Ngu Hanh Son District, Da Nang City Cam Le District 349 Cach Mang Thang Tam, Da Nang City Hoa Vang District Duong Lam, Hoa Phong ward, District Hoa Vang, Da Nang City HaI CHaU No. 107 Phan Chau Trinh street, ward Phuoc Ninh, Hai Chau District, Da Nang City QUang Nam No. 06 Phan Boi Chau, City Tam Ky, Province Quang Nam Dien Ban District No. 81 Me Thu, Khoi 3, Vinh Dien Town, Dien Ban District, Quang Nam Province Duy Xuyen District My Hoa street, Nam Phuoc Town, Duy Xuyen District, Quang Nam Province Thang Binh District National Road 1A, Ha Lam Town, Thang Binh District, Quang Nam Province Que Son District 03 Trung Nu Vuong, Dong Phu Town, Que Son District, Quang Nam Province Nong Son District Trung Phuoc, Que Trung ward, Nong Son District, Quang Nam Province Bac Tra My District To Dang Nuoc, Tra My Town, Bac Tra My District, Quang Nam Province Dai Loc District Zone 7, Ai Nghia Town, Dai Loc District, Quang Nam Province Nui Thanh District Area 3, Nui Thanh Town, Nui Thanh District, Quang Nam Province Tien Phuoc District Tien Ky Town, Tien Phuoc District, Quang Nam Province Hoi An City No. 255 Cua Dai, Cam Chau ward, Hoi An City, Quang Nam Province Nam Giang District CaDy Commune, Nam Giang District, Quang Nam Province Phuoc Son District Area 5, Kham Duc Town, Phuoc Son District, Quang Nam Province Hiep Duc District Tan An Town, Hiep Duc District, Quang Nam Province Dong Giang District Prao Town, Dong Giang District, Quang Nam Province Dien Nam-Dien Ngoc Industrial zone Dien Ngoc Ward, Dien Ban District, Quang Nam Province Bac Dien Ban Thang Bac Commune, Dien Ban District, Quang Nam Province Tam Ky City 347 Phan Chu Trinh Street, Tam Ky City, Quang Nam Province Nam Phuoc Tam Phuoc Town, Duy Xuyen District, Quang Nam Province Tam Dan Ky Ly T-junction, Tam Dan Commune, Phu Ninh District, Quang Nam Province Chu Lai open economic zone Road 1, North Chu Lai industrial zone, Nui Thanh District, Quang Nam Province Huong An Hamlet 7, Huong An Commune, Que Son District, Quang Nam Province Truong Xuan 420 Tran Cao Van Street, Truong Xuan Ward, Tam Ky City, Quang Nam Province Cua Dai 12 Tran Hung Dao Street, Cam Pho Ward, Hoi An City, Quang Nam Province Nam Tra My District Tra Mai Commune, Nam Tra My District, Quang Nam Province Tay Giang District A Tieng Commune, Tay Giang District, Quang Nam Province Phu Ninh District Tan Phu Street, Phu Thinh Town, Phu Ninh District, Quang Nam Province BInH DInH 64 Le Duan Street, Quy Nhon City, Binh Dinh Province Van Canh District Van Canh Town, Van Canh District, Binh Dinh Province Vinh Thanh District Vinh Thanh Town, Vinh Thanh District, Binh Dinh Province An Lao District An Hoa Commune, An Lao District, Binh Dinh Province Quy Nhon City 44 Le Thanh Ton Street, Quy Nhon City, Binh Dinh Province Tuy Phuoc District 285 Dao Tan Street, Tuy Phuoc Town, Tuy Phuoc District, Binh Dinh Province An Nhon Town 418 Tran Phu Street, Binh Dinh Ward, An Nhon Town, Binh Dinh Province Tay Son District 09 Quang Trung Street, Phu Phong Town, Tay Son District, Binh Dinh Province Phu Cat District 47 3-2 Road, Ngo May Town, Phu Cat District, Binh Dinh Province Phu My District Thanh Nien Road, Phu My Town, Phu My District, Binh Dinh Province Hoai Nhon District 02 Hai Ba Trang Trung Street, Bong Son Town, Hoai Nhon District, Binh Dinh Province Hoai An District 136 Nguyen Tat Thanh Street, Tang Bat Ho Town, Hoai An District, Binh Dinh Province Phu Tai industrial zone Zone 1, Tran Quang Dieu Ward, Quy Nhon City, Binh Dinh Province QUang NgaI 194 Tran Hung Dao Street, Quang Ngai City, Quang Ngai Province Quang Ngai City 47 Hung Vuong Avenue, Quang Ngai City, Quang Ngai Province Ba To District Ba To Town, Ba To District, Quang Ngai Province Binh Son District Chau O Town, Binh Son District, Quang Ngai Province Ly Son An Vinh Commune, Ly Son District, Quang Ngai Province Dung Quat Binh Thuan Commune, Binh Son District, Quang Ngai Province Son Tinh District Son Tinh Town, Son Tinh District, Quang Ngai Province Tu Nghia District La Ha Town, Tu Nghia District, Quang Ngai Province Mo Duc District Mo Duc Town, Mo Duc District, Quang Ngai Province Duc Pho District Duc Pho Town, Duc Pho District, Quang Ngai Province Sa Huynh Pho Thanh Commune, Duc Pho District, Quang Ngai Province Nghia Hanh District Cho Chua Town, Nghia Hanh District, Quang Ngai Province Minh Long Long Hiep Commune, Minh Long District, Quang Ngai Province Son Ha District Di Lang Town, Son Ha District, Quang Ngai Province Tra Bong District Tra Xuan Town, Tran Bong District, Quang Ngai Province PHU Yen 321 Tran Hung Dao Street, Tuy Hoa City, Phu Yen Province Tuy Hoa City 255 Tran Hung Dao Street, Tuy Hoa City, Phu Yen Province South Tuy Hoa City 402 Nguyen Van Linh Street, Phu Lam Ward, Tuy Hoa City, Phu Yen Province Son Hoa District 33 Nguyen Thi Minh Khai Street, Cung Son Town, Son Hoa District, Phu Yen Province Song Hinh District 13 Tran Hung Dao Street, Hai Rieng Town, Song Hinh District, Phu Yen Province Dong Xuan District Tran Phu Road, La Hai Town, Dong Xuan District, Phu Yen Province Tuy An District 312 National Road 1A, Chi Thanh Town, Tuy An District, Phu Yen Province Song Cau Town Hung Vuong Road, Xuan Phu Ward, Song Cau Town, Phu Yen Province Dong Hoa District Hamlet 3, Hoa Vinh Commune, Dong Hoa District, Phu Yen Province Tay Hoa District Phu Thu, Hoa Binh II Commune, Tay Hoa District, Phu Yen Province Phu Hoa District Dinh Tho Hamlet, Phu Hoa Town, Phu Hoa District, Phu Yen Province KHanH Hoa 02 Hung Vuong Street, Nha Trang City, Khanh Hoa Province Khanh Son District To Hap Town, Khanh Son District, Khanh Hoa Province Khanh Vinh District 11 2/8 Road, Khanh Vinh Town, Khanh Vinh District, Khanh Hoa Province Nha Trang City 161 Thong Nhat Road, Nha Trang City, Khanh Hoa Province Xom Moi Market 106 Ngo Gia Tu Street, Nha Trang City, Khanh Hoa Province
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CENTRAL COASTAL AREA CENTRAL HIGHLAND

Da Nang CItY No. 23 Phan Dinh Phung, Da Nang City Da Nang Industrial zone Da Nang Industrial zone , Da Nang City Hoa Khanh Industrial zone Hoa Khanh Industrial zone, City Da Nang Chi Lang 188 Hung Vuong, Da Nang City Cho Con 334 Ong Ich Khiem, Da Nang City Tan Chinh 337 Le Duan, Da Nang City Dong Da 243 Dong Da, Da Nang City
57
OPERATING
NETWORK
Vinh Hiep Lot 14, 23/10 Road, Vinh Diem Trung Hamlet, Vinh Hiep Commune, Nha Trang City, Khanh Hoa Province Vinh Tho 12C 2/4 Road, Vinh Phuong Ward, Nha Trang City, Khanh Hoa Province Binh Tan Lot 6, Zone A, Vo Thi Sau Road, Vinh Nguyen Ward, Nha Trang City, Khanh Hoa Province Cam Ranh city Hung Vuong National Road, Phu Trung commune, Cam Phu District, Cam Ranh city, Khanh Hoa. Dien Khanh District 228 Lac Long Quan - Dien Khanh town, Dien Khanh District, Khanh Hoa Ninh Hoa town 230 Tran Quy Cap, Ninh Hiep ward, Ninh Hoa town, Khanh Hoa Van Ninh District 389 Hung Vuong - Van Gia town, Van Ninh District, Khanh Hoa Cam Lam District Nghia Dong ward, Cam Duc town, Cam Lam District, Khanh Hoa BInH THUan 02-04 Trung Trac, Phan Thiet city, Binh Thuan Province Phan Thiet 07 Tran Quoc Toan , Phan Thiet city, Binh Thuan South Phan Thiet 25 Tran Quoc Toan , Phan Thiet city, Binh Thuan Duc Linh District ward 9, Duc Tai town, Duc Linh District, Binh Thuan Tanh Linh District Lac Tanh town, Tanh Linh District, Binh Thuan LaGi town No 9, Nguyen Hue road, Tan An ward, LaGi town, Binh Thuan Luong Son National Road 1A, KP Luong Nam, Luong Son town, Bac Binh District, Binh Thuan Tuy Phong District Road 17/4 Lien Huong town, Tuy Phong District, Binh Thuan Phan Ri Cua 223, Thong Nhat road, Phan Ri Cua town, Tuy Phong District, Binh Thuan Phu Quy District Quy Thanh town, Ngu Phung ward, Phu Quy District, Binh Thuan NInH THUan 540 + 544 Thong Nhat, Phan Rang city, Thap Cham, Ninh Thuan Phan Rang city-Thap Cham No. 520 Thong Nhat, Phan Rang city, Thap Cham, Ninh Thuan Ninh Son District Tan Son town, Ninh Son District, Ninh Thuan Ninh Phuoc District Phuoc Dan town , Ninh Phuoc District, Ninh Thuan Ninh Hai District Khanh Hai town , Ninh Hai District, Ninh Thuan Bac Ai District Phuoc Dai town, Bac Ai District , Ninh Thuan Thap Cham 12 Minh Mang road, Phan Rang city, Thap Cham, Ninh Thuan Dong My Hai 26 Hai Thuong Lan Ong, Phan Rang city, Thap Cham, Ninh Thuan GIa LaI 25 Tang Bat Ho, Pleiku city, Gia Lai Pleiku city 100B, Phan Dinh Phung, Pleiku city, Gia Lai An Khe town 584 Quang Trung- An Khe town, Gia Lai Hoa Lu 22B Phan Dinh Phung, Pleiku city, Gia Lai Hoi Thuong 115 Hung Vuong, Pleiku city, Gia Lai Dien Hong 77 Tran Phu, Pleiku city, Gia Lai Bien Ho 927 Pham Van Dong, Pleiku city, Gia Lai Yen Do 80 Hai Ba Trung, Pleiku city, Gia Lai Dac Po District Dac Po town, Dac Po District, Gia Lai Tra Ba 102 Le Duan, Pleiku city, Gia Lai Duc Co District 364 Quang Trung- Chuty town, Duc Co District, Gia Lai Lapa District Lapa town, Iapa District, Gia Lai Krongchro District 239 Nguyen Hue- Kongchro town, Krongchro District, Gia Lai Dac Doa District 225 Nguyen Hue- Dac Doa town, Dac Doa District, Gia Lai Mangyang District Tran Hung Dao- KonDong town, Mangyang District, Gia Lai Chuse District 729 Hung Vuong- Chu Se town, Chuse District, Gia Lai Krongpa District 20 Tran Hung Dao- Phu Tuc town, Krongpa District, Gia Lai Kbang District 35 Vo Thi sau- Kbang town, Kbang District, Gia Lai Chupah District Hung Vuong- Phu Hoa town, Chupah District, Gia Lai Iagrai District 290 Hung Vuong- Ia Kha town, Iagrai District, Gia Lai Chuprong District Tran Hung Dao - Chuprong town, Chuprong District, Gia Lai Ayunpa town Nguyen Hue- Ayunpa town, Gia Lai Phu Thien District Phu Thien town, Phu Thien District, Gia Lai Chu Puh District Nhon Hoa town, Chu Puh District, Gia Lai KonTUm 88 Tran Phu, Kon Tum city, Kon Tum province DakGlei District DakGlei town, DakGlei District, KonTum Kon Ray District DakRoVe town, Kon Ray District, KonTum Sa Thay District 54 Hung Vuong, Sa Thay town, Sa Thay District, Kon Tum Dak To District 233 Hung Vuong, Dak To town, Dak To District, KonTum Dak Ha District 155 Hung Vuong, Dak Ha town, Dak Ha District, KonTum Ngoc Hoi District 03 Tran Hung Dao, Play Can Town, Ngoc Hoi District, Kon Tum Province Quyet Thang 77A Ngo Quyen, Kon Tum City, Kon Tum Province Quang Trung 71C Phan Dinh Phung- Kon Tum City, Kon Tum Province DaK LaK No 37 Phan Boi Chau, Buon Ma Thuot City, Dak Lak Province Buon Ma Thuot City 40,42 Quang Trung, Buon Ma Thuot City, Dak Lak Province Krong Pak District Phuoc An Town, Krong Pak District, Dak Lak Province Ea Phe District Xa Ea Phe, Krong Pak District, Dak Lak Province Krong Bong District Krong Bong District, Dak Lak Province Ea Kar District Ea Kar Town, Ea Kar District, Dak Lak Province Ea Knop Ea Knop Town, Ea Kar District, Dak Lak Province M DRak District M Drak District, Dak Lak Province Buon Don District Buon Don District, Dak Lak Province Ea Sup District Ea Sup District, Dak Lak Province Krong Ana District Buon Trap Town, Krong Ana District, Dak Lak Province Cu Mgar District Quang Phu Town, Cu Mgar District, Dak Lak Province Ea Kpam Ea Kpam Commune, Cu Mgar District, Dak Lak Province Lak District Lien Son Town, Lak District, Dak Lak Province. Hoa Khanh Khanh Xuan Ward, Buon Ma Thuot City, Dak Lak Province Cu Kuin District Drang B hang Commune, Cu Kuin District Dak Lak Province Kim Ngan 76,78 No Trang Long, Buon Ma Thuot City, Dak Lak Province Phan Chu Trinh 05 Phan Chu Trinh, Buon Ma Thuot City, Dak Lak Province Le Hong Phong 227 Le Hong Phong, Buon Ma Thuot City, Dak Lak Province Hoa Thang Hoa Thang Commune, Buon Ma Thuot City, Dak Lak Province No Trang Long No 57 Trang Long Street, Buon Ma Thuot City, Dak Lak Province Ea Tam Ea Tam Ward, Buon Ma Thuot City, Dak Lak Province Tan An Tan An Ward, Buon Ma Thuot City, Dak Lak Province BUon Ho No 33 - Tran Hung Dao Street, An Lac Ward, Buon Ho District, Dak Lak Province Ea Hleo District No 27 - Dien Bien Phu Street - Ea Drang Town - Ea Hleo District, Dak Lak Province Krong Nang District Krong Nang Town - Krong Nang District, Dak Lak Province Pong Drang Tan Lap 5 Hamlet - Pong Drang commune, Krong Buk district, Dak Lak province Ea Toh Ea Toh commune, Krong Nang district, Dak Lak province Ea Ral Ea Ral commune, Ea Hleo district, Dak Lak province Hoa Thuan Km12, National Road 4, Hoa Thuan district, Buon Ma Thuot city, Dak Lak province Tan Lap No 9 Nguyen Chi Thanh Street, Tan An commune, Buon Ma Thuot City, Dak Lak province DaK Nong No 49 Truong Dinh Street, Nghia Thanh commune, Gia Nghia town, Dak Nong province Gia Nghia town 23/3 Street, Nghia Trung commune, Gia Nghia town, Dak Nong province Dak R Lap district Kien Duc town, Dak R Lap district, Dak Nong province Dak Song district Duc An town, Dak Song district, Dak Nong province Dak Mil district Dak Mil town, Dak Mil district, Dak Nong province Dak Glong district Quang Khe commune, Dak Glong district, Dak Nong province Cu Jut district Ea T Ling town, Cu Jut town, Dak Nong province Nam Dong Trung tam ward, Nam Dong commune, Cu Jut district, Dak Nong province Krong No district Dak Mam town, Krong No district, Dak Nong province Lam Dong No 21B Tran Phu, Ward 3, Da Lat City, Lam Dong province Da Lat city 09 Nguyen Van Troi, Ward 1, Da Lat City, Lam Dong province Don Duong district Thanh My town, Don Duong district, Lam Dong province Duc Trong district No. 693, National Road 20, Lien Nghia town, Duc Trong district, Lam Dong province Hiep Thanh Phi Nom ward, Hiep Thanh commune, Duc Trong district, Lam Dong province Di Linh district No 960 - Hung Vuong, Di Linh town, Di Linh district, Lam Dong province Hoa Ninh Hamlet 2 , Hoa Ninh commune, Di Linh district, Lam Dong province Lam Ha district No.85, Quarter 3 , Dinh Van town, Lam Ha district, Lam Dong province Da Huoai district Quarter 5, MaDaguoi town, Da huoai district, Lam Dong province Da The district Quarter 6a, Da The town, Dateh district, Lam Dong province Cat Tien district Hamlet 2, Phu My, Cat Tien district, Lam Dong province Lac Duong District Lac Duong town, Lac Duong district, Lam Dong province DaU Tam To 02 Ly Tu Trong, Ward 2, Bao Loc City, Lam Dong Province Bao Lam Loc Thang town , Bao Lam district, Lam Dong Province Loc Phat 723 Nguyen Van Cu, Loc Phat Ward, Bao Loc city, Lam Dong Province Loc An 3 Ward, Loc An commune, Bao Lam district, Lam Dong province Loc Thanh 8 ward, Loc Thanh commune, Bao Lam district, Lam Dong province
58
Ham Tan District T-junction 46, Tan Nghia town, Ham Tan District, Binh Thuan Ham Thuan Nam District Km 28, Thuan Nam town, Ham Thuan Nam District, Binh Thuan Ham My 116, Phu Hung town, Ham My ward, Ham Thuan Nam District, Binh Thuan Ham Thuan Bac District 586, Ma Lam town, Ham Thuan Bac District, Binh Thuan Bac Binh District 343 Nguyen Tan Thanh, Cho Lau town, Bac Binh District, Binh Thuan
59
61
60
OF CORRESPONDENT BANKS
NETWORK
NETWORK OF CORRESPONDENT BANKS

BANK NAME BICCODE BANK NAME BICCODE
I/ASIA: 468 Banks in 18 countries

1/ BANGLADESH 1 WOORI BANK, DHAKA BRANCH HVBKBDDH 2/ ChinA 1 ABN AMRO BANK (CHINA)CO., LTD ABNACNSH 2 AGRICULTURAL BANK OF CHINA, BEIJING ABOCCNBJ 3 AUSTRALIA AND NEW ZEALAND BANKING GROUP ANZBCNSH 4 BANK OF AMERICA N.A, SHANGHAI bofacn3X 5 BANK OF AMERICA N.A, GUANGZHOU BOFACN4X 6 BANK OF CHINA,(HEAD OFFICE),BEIJING BKCHCNBJ 7 bank of montreal, beijing bofmcnbj 8 PING AN BANK CO., LTD, bofmcn22 9 BANK OF NANJING NJCBCNBN 10 BANK OF NEWYORK, SHANGHAI IRVTCNSH 11 BNP PARIBAS CHINA, BEIJING BNPACNBJ 12 BNP PARIBAS CHINA, GUANGZHOU BNPACN22 13 BNP PARIBAS CHINA, TIANJIN BNPACNBT 14 COMMERZBANK AG, SHANGHAI, (SHANGHAI BRANCH) COBACNSX 15 CREDIT AGRICOLE CIB (CHINA) LIMITED SHANGHAI crlYcnsh 16 JPMORGAN CHASE BANK (CHINA) COMPANY LIMITED, SHANGHAI BR. CHASCNSH 17 JP MORGAN CHASE BANK (CHINA) COMPANY LIMITED, GUANGZHOU CHASCN2G 18 CHINA citic bank BEIJING cibkcnbj 19 CHINA CONSTRUCTION BANK, PCBCCNBJ 20 CHINA EVERBRIGHT BANK BEIJING (ho) EVERCNBJ 21 CHINA MERCHANTS BANK, (H.O) SHENZHEN CMBCCNBS 22 CHINA MINSHENG BANKING CORPORATION, LTD MSBCCNBJ 23 CITI BANK N.A SHANGHAI CITICNSX 24 DBS BANK LIMITED, SHANGHAI DBSSCNSH 25 DEUTSCHE BANK, SHANGHAI DEUTCNSH 26 EXPORT-IMPORT BANK OF CHINA, BEIJING EIBCCNBJ 27 hana bank (china) companY limited, beijing hnbncnbj 28 BANK OF HANGZHOU CO LTD HZCBCN2H 29 HUA XIA BANK HXBKCNBJ 30 HONGKONG SHANGHAI banking COPORATION LIMITED hsbccnsh 31 iNDUSTRIAL AND COMMERCIAL BANK OF CHINA ICBKCNBJ 32 INDUSTRIAL BANK CO., LTD+B644, FUZHOU FJIBCNBA 33 INTESABCI S.P.A, SHANGHAI BCITCNSH 34 QILU BANK CO LTD jnshcnbn 35 JPMORGAN CHASE BANK, N.A. BEIJING BRANCH CHASCN22 36 KOREA EXCHANGE BANK, BEJING BRANCH KOEXCNBJ 37 KBC BANK NV, SHANGHAI KREDCNSX 38 MIZUHO CORPORATE BANK (CHINA),LTD. MHCBCNSH 39 NATIXIS SHANGHAI BFCECNSH 40 oversea-chinease banking corporation, SHANGHAI OCBCCNSH 41 QUANGDONG DEVELOPMENT BANK GDBKCN22 42 RAIFFEISEN ZENTRAL BANK, BEIJING RZBACNBJ 43 SHANGHAI COMMERCIAL BANK LIMITED, SHENZHEN BRANCH SCBKCNBS 44 PING AN BANK CO., LTD, SZCBCNBS 45 SHENGJING BANK CO.,LTD SYCBCNBY 46 STANDARD CHARTERED BANK (CHINA) LIMITED, SHANGHAI SCBLCNSX 47 SUMITOMO MITSUI BANKING CORPORATION, SHANGHAI SMBCCNSH 48 SUMITOMO MITSUI BANKING CORPORATION, SUZHOU SMBCCNSU 49 THE BANK OF NOVA SCOTIA, QUANGZHOU NOSCCN22 50 UNITED OVERSEA BANK, SHANGHAI UOVBCNSH 51 WELLS FARGO BANK N.A. (FORMERLY KNOWN AS WACHOVIA), SHANGHAI PNBPCNSh 52 WOORI BANK (FORMERLY COMMERCIAL BANK OF KOREA) HVBKCNBJ 53 Yantai citY commercial bank Ytcbcnsd 54 BANK OF WENZHOU CO LTD, WZCBCNSH 55 DONGYING CITY COMMERCIAL BANK CO LIMITED, DYSHCNBJ 56 united rural cooperative bank of hangzhou, urcbcn2h 57 zhejiang tailong commercial bank co ltd ZJTLCNBH 58 zhejiang XIAOSHAN RURAL COOPERATIVE BANK hxcbcn2h 59 BANK OF EAST ASIA (CHINA) LIMITED, SHANGHAI BEASCNSH 60 WORRI BANK, SHANGHAI, CHINA HVBKCNSB
62
61 UNICREDIT SPA - SHANGHAI BRANCH, CHINA BROMCNSH 62 SHANGHAI PUDONG DEVELOPMENT BANK CO LTD, CHINA SPDBCNSH 63 BANK OF BEIJING CO LTD, CHINA BJCNCNBJ 64 JIANGSU JIANGNAN RURAL COMMERCIAL BANK CO., LTD, CHINA RCWJCNSH 65 BANK OF JIANGSU CO LTD, CHINA BOJSCNBN 66 JPMORGAN CHASE BANK (CHINA) COMPANY LIMITED, CHENGDU BRANCH CHASCNBC 67 JPMORGAN CHASE BANK (CHINA) COPANY LIMITED, TIANJIN BRANCH CHASCNBX 68 THE BANK OF NEW YORK MELLON, BEIJING BRANCH BNYMCNBJ 69 BANK OF COMMUNICATIONS CO. LTD., CHINA COMMCNSH 70 BANK OF CHENGDU CO. LTD., CHINA CBOCCNBC 3/ cAMboDiA 1 ACLEDA BANK PLC ACLBKHPP 2 advanced bank of asia limited, phnompenh abaakhpp 3 FOREIGN TRADE BANK OF COMBODIA, PHNOMPENH FTCCKHPP 4 SHINHAN KHMER BANK, PHNOM PENH SHBKKHPP 4/ eAst tiMor 1 ANZ BANKING GROUP LTD, DILI ANZBTlDI 5/ HonG KonG 1 THE ROYAL BANK OF SCOTLAND N.V., (HONGKONG) BRANCH ABNAHKHH 2 AGRICULTURAL BANK OF CHINA LIMITED, HONGKONG BRANCH ABOCHKHH 3 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD ANZBHKHX 4 BANCA MONTE DEI PASCHI DI SIENA S.P.A HONGKONG PASCHKHH 5 BANCO BILBAO VIZCAYA ARGENTARIA, S.A, HONGKONG BBVAHKHH 6 BANK OF AMERICA N.A HONGKONG BOFAHKHX 7 BANK OF CHINA LIMITED, HONGKONG BKCHHKHH 8 BANK OF NOVA SCOTIA NOSCHKHH 9 BANK sinopac sinohkhh 10 UNICREDIT BANK AG HONG KONG BVBEHKHH 11 BNP PARIBAS, HONGKONG BNPAHKHH 12 BANCO SANTANDER BANESPA S.A.(SUCESSOR OF BANCO SANTANDER BRASIL SA) BSCHHKHH 13 china conSTRUCTION BANK corporation pcbChkhh 14 credit agricole cib, HONGKONG CRLYHKHH 15 CHANG HWA COMMERCIAL BANK LTD, HONG KONG BR CCBCHKHH 16 CITI BANK, HONGKONG CITIHKHX 17 COMmERZBANK AG, HONG KONG COBAHKHX 18 CTB AUSTRALIA LTD, HONG KONG CTBAHKHH 19 DBS BANK LTD. DBSSHKHH 20 DEUTSCHE BANK AG DEUTHKHH 21 HANA BANK HONGKONG BRANCH HNBNHKHH 22 HONG KONG AND SHANGHAI BANKING CORPORATION LIMTED HSBCHKHH 23 INDUSTRIAL BANK OF KOREA, HONG KONG BRANCH IBKOHKHH 24 ING BANK N.V, HONGKONG INGBHKHH 25 INTESA SANPAOLO SPA HONG KONG BCITHKHH 26 MEGA international commercial bank CO. ltd., HONG KONG BRANCH icbchkhh 27 JP morgan chase N.A, HONGKONG BRANCH CHASHKHH 28 KBC BANK NV, HONGKONG KREDHKHX 29 KOREA EXCHANGE BANK, HONGKONG BRANCH KOEXHKHH 30 MIZUHO CORPORATE BANK LTD MHCBHKHH 31 NATIONAL AUSTRALIA BANK LTD NATAHKHH 32 oversea-chinese banking corporation OCBCHKHH 33 rabobank, HONGKONG rabohkhh 34 ROYAL BANK OF CANADA,HONG KONG ROYCHKHH 35 SHANGHAI COMMERCIAL BANK LIMITED,HONG KONG SCBKHKHH 36 SHINHAN ASIA LTD., HONG KONG SHBKHKHH 37 SHINHAN BANK, HONG KONG BRANCH SHBKHKHX 38 standard bank asia limited, hongkong branch jfcohkhh 39 STANDARD CHARTERED BANK, HONGKONG SCBLHKHH 40 SVENSKA HANDELSBANKEN AB, HONGKONG HANDHKHH 41 TAIPEI FUBON COMMERCIAL BANK CO., LTD. HONG KONG BRANCH TPBKHKHH 42 THE BANK OF NEW YORK IRVTHKHX 43 THE BANK OF TOKYO MITSUBISHI ufj LIMITED BOTKHKHH 44 SUMITOMO MITSUI BANKING CORPORATION, HONG KONG SMBCHKHH 45 UBA - UNION DC BANQUES ARABES ET FRANCAICES UBAFHKHX 46 united overseas BANK limited, hong kong uovbhkhh 47 vietnam finance companY co., ltd bftvhkhh
63

48 WELLS FARGO BANK, N.A.(FORMERLY KNOWN AS WACHOVIA), HONGKONG BRANCH pnbphkhh 49 WING HANG BANK LIMITED, HONGKONG WIHBHKHH 50 WOORI BANK, HONG KONG hvbkhKhh 51 WESTLB AG, HONGKONG WELAHKHX 52 WELLS FARGO BANK N.A. HONG KONG BRANCH WFBIHKHB 53 HANG SENG BANK LTD HASEHKHH 6/ InDiA 1 THE ROYAL BANK OF SCOTLAND N.V. (INDIA) ABNAINBB 2 BANK OF AMERICA NA, MUMBAI BOFAIN4X 3 BANK OF NOVA SCOTIA, THE, MUMBAI NOSCINBB 4 BARCLAYS BANK PLC, MUMBAI barcinbb 5 BNP PARIBAS INDIA, MUMBAI BNPAINBB 6 CALYON, MUMBAI CRLYINBB 7 CANARA BANK, MUMBAI CNRBINBB 8 JPMORGAN CHASE BANK, N.A., mumbai CHASINBX 9 CITI BANK NA, MUMBAI CITIINBX 10 dbs bank,ltd mumbai dbssinbb 11 deutsch bank ag, mumbai deutinbb 12 THE FEDERAL BANK LTD., INDIA FDRLINBB 13 MIZUHO corporate bank ltd, MUMBAI MHCBINBB 14 HSBC, MUMBAI HSBCINBB 15 ICICI BANK LIMITED, MUMBAI ICICINBB 16 PUNJAB AND SIND BANK, MUMBAI PSIBINBB 17 STANDard CHARtEreD BANK SCBLINBB 18 PUNJAB NATIONAL BANK, MUMBAI, INDIA PUNBINBB 19 UNITED COMMERCIAL BANK LTD., MUMBAI, INDIA UCBAINBB 7/ inDonesiA 1 THE ROYAL BANK OF SCOTLAND N.V., JAKARTA BRANCH ABNAIDJA 2 PT BANK ANZ INDONESIA ANZBIDJX 3 PT BANK UOB indonesia BBIJIDJA 4 PT Bank Internasional Indonesia Tbk IBBKIDJA 5 PT BANK MANDIRI (PERSERO) TBK. BMRIIDJA 6 PT BANK NEGARA INDONESIA (PERSERO) TBK BNINIDJA 7 PT BANK RAKYAT INDONESIA (PERSERO) BRINIDJA 8 BANK OF AMERICA na, JAKARTA BOFAID2X 9 bank RABOBANK intl INDONESIA, jakarta RABOIDJA 10 bank sYariah mandiri, JAKARTA bsmdidja 11 BNP PARIBAS INDONESIA, JAKArTA BNPAIDJA 12 CITI BANK , JAKARTA CITIIDJX 13 DEUTSCHE BANK AG, JAKARTA DEUTIDJA 14 HONGKONG AND SHANGHAI BANKING CORPORATION, jakarta HSBCIDJA 15 JPMORGAN CHASE BANK, N.A.,JAKARTA CHASIDJX 16 KOREA EXCHANGE BANK DANAMON, INDONESIA KOEXIDJA 17 STANDARD CHARTERED BANK, JAKARTA SCBLIDJX 18 WOORI BANK INDONESIA P.T. JAKARTA, JAKARTA HVBKIDJA 19 PT BANK DANAMON INDONESIA, TBK BDINIDJA 20 PT BANK CIMB NIAGA TBK, INDONESIA BNIAIDJA 21 BANGKOK BANK PUBLIC COMPANY LIMITED, INDONESIA BKKBIDJA 8/ JApAn 1 THE ROYAL BANK OF SCOTLAND PLC (FORMER ABN AMRO BANK N.V.) ABNAJPJT 2 ANZ BANK, TOKYO ANZBJPJX 3 ASAHI SHINKIN BANK, THE TOKYO ASKBJPJT 4 BANK OF AMERICA, TOKYO BOFAJPJX 5 BANK OF CHINA (HONGKONG) LTD BKCHJPJT 6 BANK OF NOVA SCOTIA, THE, TOKYO NOSCJPJT 7 UNICREDIT BANK AG TOKYO BVBEJPJT 8 BNP PARIBAS SECURITIES LTD., TOKYO BNPAJPJ2 9 CALYON ( FORMERLY CREDIT AGRICOLE INDOSUEZ), TOKYO BSUIJPJT 10 CITIBANK, N.A citijpjt 11 COMMERZBANK AG TOKYO COBAJPJX 12 COMMON WEALTH BANK OF AUSTRALIA, TOKYO CTBAJPJT 13 DBS BANK, TOKYO DBSSJPJT 14 deutsch bank ag, tokYYo deutjpjt 15 HIROSHIMA BANK LTD HIROJPJT 16 HONGKONG AND SHANGHAI BANKING CORPORATION, TOKYO HSBCJPJT 17 ING BANK N.V, TOKYO INGBJPJT 18 MITSUBISHI UFJ TRUST AND BANKING CORP., TOKYO MTBCJPJT 19 MIZUHO BANK LTD, TOKYO MHBKJPJT 20 MIZUHO CORPORATE BANK, LTD., TOKYO MHCBJPJT 21 NATIONAL AUSTRALIA BANK LIMITED, TOKYO NATAJPJT 22 north pacific bank, ltd, sapporo norpjpjp 23 kinki osaka bank, ltd osabjpjs 24 KOREA EXCHANGE BANK, TOKYO KOEXJPJT 25 oversea-chinease banking corporation OCBCJPJT 26 okazaki shinkin bank, the okazaki oksbjpjz 27 PHILIPPINE NATIONAL BANK TOKYO BRANCH PNBMJPJT 28 resona bank ltd, tokYo DIWAJPJT 29 ROYAL BANK OF CANADA, TOKYO ROYCJPJT 30 SAITAMA RESONA BANK LTD, TOKYO SAIBJPJT 31 SHINHAN BANK (OSAKA BRANCH) SHBKJPJX 32 SOCIETE GENERALE, TOKYO SOGEJPJT 33 STANDARD CHARTERED BANK,TOKYO SCBLJPJT 34 SUMITOMO MITSUI BANKING CORPORATION, TOKYO SMBCJPJT 35 seto shinkin bank, the nagoYa ssbkjpjz 36 THE BANK OF NEW YORK, TOKYO IRVTJPJX 37 THE BANK OF TOKYO MITSUBISHI ufj LTD., tokYo BOTKJPJT 38 U.B.A.F. - UNION DE BANQUES ARABES ET FRANCAISES TOKYO BRANCH UBAFJPJX 39 WELLS FARGO BANK, N.A. (FORMERLY KNOWN AS WACHOVIA), TOKYO PNBPJPJX 40 WESTLB AG, TOKYO WELAjpjx 41 WOORI BANK,TOKYO HVBKJPJT 42 towa bank ltd., gunma towajpjt 43 DAISHI BANK LTD., TOKYO DAISJPJT 9/ KoreA 1 THE ROYAL BANK OF SCOTLAND N.V. (SEOUL) (FORMERLY KNOWN AS ABN AMRO BANK N.V., SEOUL BRANCH) ABNAKRSE 2 BANK OF AMERICA NA, SEOUL BOFAKR2X 3 BANK OF NOVA SCOTIA NOSCKRSE 4 BANK OF TOKYO MITSUBISHI ufj LTD, SEOUL BOTKKRSX 5 BNP PARIBAS KOREA, SEOUL BNPAKRSE 6 CITI BANK NA SEOUL BRANCH CITIKRSX 7 DAEGU BANK LIMITED, THE, DAEGU DAEBKR22 8 deutsche bank ag, seoul deutkrse 9 HANA BANK, SEOUL HNBNKRSE 10 HONGKONG SHANGHAI BANKING COPORATION LIMITED HSBCKRSE 11 INDUSTRIAL BANK OF KOREA (HO), SEOUL IBKOKRSE 12 JP MORGAN CHASE BANK N.A, SEOUL CHASKRSX 13 KOOKMIN BANK (HO), SEOUL CZNBKRSE 14 KOREA DEVELOPMENT BANK, SEOUL KODBKRSE 15 KOREA EXCHANGE BANK, SEOUL KOEXKRSE 16 KWANGJU BANK LTD, SEOUL KWABKRSE 17 kYongnam bank, MASAN kYnakr22 18 MIZUHO CORPORATE BANK LIMITED, SEOUL MHCBKRSE 19 NATIONAL AGRICULTURAL COOPERATIVE FEDERATION NACFKRSE 20 oversea-chinease banking corporation, SEOUL OCBCKRSE 21 BUSAN BANK, BUSAN, KOREA PUSBKR2P 22 SHINHAN BANK, SEOUL SHBKKRSE 23 STANDARD CHARTERED BANK KOREA LIMITED SCBLKRSE 24 SUHYUP BANK (FORMERLY NATIONAL FEDERATION OF FISHERIES COOPERATIVES) NFFCKRSE 25 THE BANK OF NEW YORK, SEOUL IRVTKRSX 26 tHE SUMITOMO MITSUI BANKING CORP. LTD, SEOUL SMBCKRSE 27 THE EXPORT-IMPORT BANK OF KOREA, SEOUL EXIKKRSE 28 WOORI BANK, SEOUL HVBKKRSE 29 WELLS FARGO BANK, N.A. (FORMERLY KNOWN AS WACHOVIA), SEOUL BRANCH PNBPKRSX 10/LAos 1 BANQUE POUR LE COMMERCE EXTEREUR LAO COEBLALA 2 LAO DEVELOPMENT BANK ldbblala 3 PHONGSAVANH BANK PSVBLALA 4 LAO-VIET BANK LAOVLALA 11/ MAcAo 1 BANCA NACIONAL ULTRAMARINO, SA MACAU MO BNULMOMX
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31 OVERSEA-CHINESE BanKING CORPoration limited ocbcsgsg 12/ MALAYsiA 32 RABO BANK, SINGAPORE rabosgsg 1 AMBANK (M) BERHAD, KUALA LUMPUR ARBKMYKL 33 BANK INTERNATIONAL AG, SINGAPORE BRANCH rzbasgsg 2 THE ROYAL BANK OF SCOTLAND BERHAD (301932-A) ABNAMYKL 34 ROYAL BANK OF CANADA, SINGAPORE ROYCSGSG 3 AFFIN BANK BERHAD PHBMMYKL 36 SCANDINAVISKA ENSKILDA BANKEN ab (publ) essesgsg 4 BANK OF AMERICA MALAYSIA BERHAD, KUALA LUMPUR BOFAMY2X 37 SHINHAN bank, singapore branch SHBKSGSG 5 BANK OF NOVA SCOTIA BERHAD NOSCMYKL 38 SOCIETE GENERAL, SINGAPORE sogesgsg 6 CIMB BANK BERHAD, KUALA LUMPUR CIBBMYKL 39 STANDARD CHARTERED BANK scblsgsg 7 CITIBANK, N.A citimYkl 40 STATE BANK OF INDIA, singapore sbinsgsg 8 DEUTSCHE BANK BERHAD, KUALA LUMPUR DEUTMYKL 41 SUMITOMO MITSUI BANKING CORP. smbcsgsg 9 EON BANK BERHAD, KUALA LUMPUR EOBBMYKL 42 SVENSKA HANDELSBANKEN handsgsg 10 HONG LEONG BANK BERHAD HLBBMYKL 43 HSBC SINGAPORE hsbcsgsg 11 HSBC BANK MALAYSIA BERHAD, KUALA LUMPUR HBMBMYKL 44 THE BANK OF NOVA SCOTIA, SINGAPORE BRANCH noscsgsg 12 J.P.MORGAN CHASE BANK BERHAD, KUALA LUMPUR CHASMYKX 45 u/b.a.f-UNION DE BANQUES ARABES ET FRANCAISES ubafsgsx 13 MALAYAN BANKING BERHAD, KUALA LUMPUR MBBEMYKL 46 UNITED OVERSEAS BANK limited uovbsgsg 14 OCBC BANK (MALAYSIA) BERHAD OCBCMYKL 47 WOORI BANK, SINGAPORE hvbksgsg 15 pUBLIC BANK BERHAD, KUALA LUMPUR PBBEMYKL 48 ABN AMRO BANK N.V., SINGAPORE BRANCH ABNASG2A 16 RHB BANK BERHAD, KUALA LUMPUR RHBBMYKL 49 CHINA TRUST COMMERCIAL BANK, SINGAPORE CTCBSGSG 17 STANDARD CHARTERED BANK MALAYSIA BERHAD, KUALA LUMPUR SCBLMYKX 50 EMIRATES NBD BANK PJSC, singapore ebilsgsg 18 BANK OF TOKYO-MITSUBISHI UFJ (MALAYSIA) BEHAD, KUALA LUMPUR BOTKMYKX 15/ SriLAnKA 13/PhiLippines 1 BANK OF CEYLON, COLOMBO BCEYLKLX 1 LAND BANK OF THE PHILIPPINES TLBPPHMM 2 CITI BANK NA, SRILANKA citilklx 2 ASIAN DEVELOPMENT BANK ASDBPHMM 3 deutsche bank ag, COLOMBO BRANCH deutlklx 3 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD ANZBPHMX 16/ tAiwAn 4 BANK OF AMERICA NA, MANILA BOFAPH2X 1 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED, TAIWAN BRANCH 5 BNP PARIBAS MANILA OFFSHORE BRANCH BNPAPHMM (FORMERLY KNOWN AS ABN AMROBANK N.V) abnatwtp 6 CALYON, MANILA CRLYPHMM 2 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD, TAIPEI anzbtwtp 7 CITIBANK NA MANILA BRANCH CITIPHMX 3 BANK OF AMERICA NA, TAIPEI bofatw2x 8 deutsche bank, manila deutphmm 4 BANK OF NEW YORK, THE, TAIPEI irvttwtx 9 export and industrY bank, manila eaibphmm 5 BANK OF NOVA SCOTIA, THE nosctwtp 10 Rizal commercial banking coporation, manila rcbcphmm 6 bank of overseas chinese (formerlY overseas chines head office, taipei, t.w ocbctwtp 11 STANDARD CHARTERED BANK, MANILA SCBLPHMM 7 BANK SINOPAC sinotwtp 12 PHILIPPINE NATIONAL BANK pnbmphmm 8 BNP PARIBAS TAIWAN, TAIPEI bnpatwtp 13 HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED HSBCPHMM 9 CATHAY UNITED BANK,TAIPEI UWCBTWTP 14/ sinGApore 10 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK TAIPEI BRANCH 1 THE ROYAL BANK OF SCOTLAND N.V. (SINGAPORE) abnasgsg (CREDIT AGRICOLE CIB), TAIPEI CRLYTWTP 2 ANZ BANK, singapore anzbsgsx 11 CHANG HWA COMMERCIAL BANK LTD, TAIPEI CCBCTWTP 3 BANK MANDIRI (PERSERO) PDK.PT BMRIsgsg 12 CHINATRUST COMMERCIAL BANK, TAIPEI ctcbtwtp 4 BANK OF AMERICA na, singapore bofasg2x 13 CITIBANK taiwan limited cititwtx 5 BANK OF INDIA, SINGAPORE BKIDSGSG 14 DBS BANK LTD (FORMERLY BOWA BANK) pabktwtp 6 THE BANK OF NEW YORK MELLON, SINGAPORE BRANCH irvtsgsx 15 DBS BANK (TAIWAN) LTD, TAIPEI BRANCH DBSSTWTP 7 BANK OF TOKYO-MITSUBISHI ufj LTD., botksgsx 16 Deustch bank ag, taipei branch deuttwtp 8 UNICREDIT BANK AG SINGAPORE bvbeSgsg 17 E.SUN COMMERCIAL BANK LTD esuntwtp 9 BNP PARIBAS SINGAPORE BRANCH bnpasgsg 18 FAR EASTERN INTERNATIONAL BANK, TAIPEI feintwtp 10 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK (CREDIT AGRICOLE CIB), SINGAPORE CRLYSGSG 19 FIRST COMMERCIAL BANK FCBKTWTP 11 CITI BANK, n.a citisgsg 20 HSBC BANK (TAIWAN) LIMITED hsbctwtp 12 COMMERZBANK AG, SINGAPORE BRANCH cobasgsx 21 HUA NAN COMMERCIAL BANK LTD, TAIPEI hnbktwtp 13 COMMONWEALTH BANK OF AUSTRALIA, SINGAPORE ctbasgsg 22 HWATAI BANK, TAIPEI HTBKTWTP 14 DBS BANK limited dbsssgsg 23 MEGA INTERNATIONAL COMMERCIAL BANK co. ltd., TAIPEI icbctwtp 15 DEUTSCHE BANK AG, SINGAPORE deutsgsg 24 JIH SUN INTERNATIONAL BANK, TAIPEI jsibtwtp 16 dnb nor bank asa singapore branch dnbasgsg 25 JP MORGAN CHASE BANK N.A, TAIPEI, TW chasTWTX 17 ABN AMRO BANK N.V., SINGAPORE BRANCH (FORMELY KNOWN AS FORTIS BANK 26 KINGS TOWN BANK, TAINAN TNBBTWTN (NEDERLAND) N.V. SINGAPORE) FTSBSGSG 27 MIZUHO CORPORATE BANK LTD, TAIPEI mhcbtwtp 18 FIRST COMMERCIAL BANK fcbksgsg 28 STANDARD CHARTERED BANK, TAIPEI scbltwtp 19 hSH NORDBANK AG, SINGAPORE hshnsgsg 29 SUMITOMO MITSUI BANKING CORPORATION TAIPEI BRANCH, TAIPEI smbctwtp 20 ING BANK nv ingbsgsg 30 TA CHONG BANK LTD , TAIPEI ourbtwtp 21 INTESA SANPAOLO S.P.A. (FORMER SANPAOLO IMI), SINGAPORE br. BCITSGSG 31 TAICHUNG COMMERCIAL BANK, TAIPEI tcbbtwth 22 jp morgan chase bank N.A, sinGAPORE chassgsg 32 TAIPEI fubon commercial BANK co., TAIPEI tpbktwtp 23 KBC BANK singapore branch kredsgsx 33 TAIWAN BUSINESS BANK TAIWAN, TAIPEI mbbttwtp 24 KOREA EXCHANGE BANK, SINGAPORE BRANCH KOEXSGSG 34 TAIWAN COOPERATIVE BANK, TAIPEI TACBTWTP 25 MALAYAN BANKING BERHAD mbbesgsg 35 the bank of tokYo mitsubhishi UFJ LTD, TAIPEI BRANCH botktwtx 26 MIZUHO CORPORATE BANK LTD, SINGAPORE mhcbsgsg 36 WELLS FARGO BANK N.A. (FORMERLY KNOWN AS WACHOVIA), TAIPEI BRANCH pnbptwtp 27 NATIXIS BANQUES POPULAIRES, SINGAPORE BFCESGSG 37 WELLS FARGO BANK N.A., TAIPEI BRANCH WFBITWTP 28 nATIONAL australia BANK, singapore natasgsg 38 BANGKOK BANK PUBLIC COMPANY LIMITED, TAIPEI BKKBTWTP 29 NATIONAL BANK OF KUWAIT S.A.K, THE NBOKSGSG 30 NORDEA BANK FINLAND PLC, SINGAPORE (FORMERLY MERITA BANK PLC, SINGAPORE) ndeasgsg
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17/ ThAiLAnD 1 THE ROYAL BANK OF SCOTLAND N.V., BANGKOK BRANCH, FORMERLY KNOWN AS ABN AMRO BANK N.V, BANGKOK BRANCH abnathbk 2 BANGKOK BANK PUBLIC COMPANY bkkbthbk 3 BANK OF AMERICA NA, BANGKOK bofath2x 4 BANK OF AYUDHYA PUBLIC COMPANY LIMITED, BANGKOK aYudthbk 5 BNP PARIBAS THAILAND - BANGKOK BRANCH bnpathbk 6 CITIBANK N.A, BANGKOK citithbx 7 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK bsuithbk 8 deutsche bank ag, bangkok deutthbk 9 EXPOXT-IMPORT BANK OF THAILAND, BANGKOK exththbk 10 HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED HSBCTHBK 11 JPMORGAN CHASE BANK, N.A., BANGKOK BRANCH CHASTHBX 12 KASIKORNBANK PUBLIC COMPANY LIMITED, BANGKOK TH KASITHBK 13 KRUNG THAI BANK PUBLIC COMPANY LIMITED, BANGKOK krththbk 14 MIZUHO BANK LTD BANGKOK INTERNATIONAL BANKING FACILITY mhcbthbk 15 OVERSEA-CHINEASE BANKING CORPORATION LIMITED OCBCTHBK 16 SIAM COMMERCIAL BANK PUBLIC CO., LTD., THE, BANGKOK sicothbk 17 STANDARD CHARTERED BANK, BANGKOK scblthbx 18 THANACHART BANK PUBLIC COMPANY LIMITED, BANGKOK TH THBKTHBK 19 THE SUMITOMO MITSUI BANKING CORPORATION, BANGKOK smbcthbk 20 tmb bank PUbLIC COMPANY LIMITED tmbkthbk 21 UNITED OVERSEAS BANK (THAI) PUBLIC COMPANY LIMITED, BANGKOK UOVBTHBK 18/ Viet nAM 1 An binh commercial joint stock bank, hanoi, vietnam abbkvnvx 2 ANZ BANK, HANOI anzbvnvx 3 ASIA COMMERCIAL BANK, HCM CITY ASCBVNVX 4 BANK FOR INVESTMENT & DEVELOPMENT OF VIETNAM bidvvnvx 5 BANK OF CHINA , HCM CITY VN bkchvnvx 6 BANK OF TOKYO-MITSUBISHI ufj LTD,HANOI botkvnv5 7 BANK OF TOKYO-MITSUBISHI ufj LTD,HOCHIMINH botkvnvx 8 BNP PARIBAS, VIETNAM (KO VERIFY CHU KY > 100,000usd BANG MT799) bnpavnvn 9 CREDIT AGRICOLE CIB, HANOI CAINVNVXHAN 10 CREDIT AGRICOLE CIB, HCM CITY cainvnvx 11 chinatrust commercial bank, HCM CITY ctcbvnvx 12 TAIPEI FUBON COMMERCIAL BANK, HANOI TPBKVNVX962 13 CITIBANK N.A, HANOI citivnvx 14 COMMONWEALTH BANK OF AUSTRALIA, HCMC CTBAVNVX 15 DEUTSCHE BANK, HO CHI MINH deutvnvx 16 donga bank eacbvnvx 17 FAR EASTERN INTERNATIONAL BANK, HCM FENBVNVX 18 first commercial bank, HANOI fcbkvnvx 19 HANOI BUILDING COMMERCIAL JOINSTOCK bANK., HANOI hbbhvnvn 20 HSBC BANK (VIETNAM) LTD.,HOCHIMINH hsbcvnvx 21 HUA NAN COMMERCIAL BANK LTD, HCM HNbkVNVX 22 INDOVINA BANK TLD, HCMC iabbvnvx 23 JPMORGAN CHASE BANK, N.A., HO CHI MINH CITY CHASVNVX 24 KOREA EXCHANGE BANK, HANOI KOEXVNVX 25 mega INTERNATIONAL COMMERCIAL BANK, HOCHIMINH citY ICBCVNVX 26 MIZUHO CORPORATE BANK LTD, HANOI BRANCH mhcbvnvx 27 MILITARY COMMERCIAL JOINT STOCK BANK, HANOI MSCBVNVX 28 NATEXIS BANQUES POPULAIRES, HCM CITY bfcevnvx 29 SAIGON COMMERCIAL BANK, HO CHI MINH CITY SACLVNVX 30 SAIGON BANK FOR INDUSTRY AND TRADE, THE HOCHIMINH sbitvnvx 31 SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK SGTTVNVX 32 SHINHAN BANK VIETNAM shbkvnvx 33 southern commercial joint stock bank, hcm pnbkvnvx 34 STANDARD CHARTERED BANK, HANOI scblvnvx 35 STATE BANK OF VIETNAM stbvvnvx 36 SOUTHEAST ASIA COMMERCIAL JOINT STOCK BANK, HANOI SEAVVNVX 37 SUMITOMO MITSUI BANKING CORPORATION, HO CHI MINH CITY SMBCVNVX 38 TAIPEI FUBON commercial BANK, BINH THANH BRANCH TPBKVNVX960 39 UNITED OVERSEAS BANK LIMITED, HCMC uovbvnvx 40 VID PUBLIC BANK, HA NOI vidpvnv5 41 VIETCOMBANK bftvvnvx 42 VIETNAM EXPORT IMPORT COMMERCIAL JOINT-STOCK BANK, hcmc EBVIVNVX 43 VIETINBANK, HANOI icbvvnvx 44 VIETNAM INTERNATIONAL COMMERCIAL JOINT STOCK BANK, HANOI vnibvnvx 45 VIETNAM MARITIME COMMERCIAL STOCK BANK MCOBVNVX 46 vietnam technological and commercial joint stock bank, hanoi vtcbvnvx 47 VIETNAM ASIA COMMERCIAL JOINT-STOCK BANK VNACVNVX 48 VIETNAM EXPORT IMPORT COMMERCIAL JOINT-STOCK BANK,HANOI EBVIVNVXHNO 49 WOORI BANK., HANOI BRCH hvbkvnvx 50 PETROLIMEX GROUP COMMERCIAL JOINT STOCK BANK PGBLVNVX 51 orient commercial joint stock bank (eastern bank) orcovnvx 52 vietnam russia joint venture bank vrbavnvx 53 THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD HSBCVNVH 54 VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK (FORMERLY vietnam joinstock commercial bank for private enterprise) vpbkvnvx 55 VIET NAM TIN NGHIA BANK VNTNVNVN 56 LIEN VIET POST JOINT STOCK COMMERCIAL BANK LVBKVNVX 57 INDUSTRIAL BANK OF KOREA VN IBKOVNVX 58 SAI GON-HA NOI COMMERCIAL JOINT STOCK BANK SHBAVNVX 59 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED, HANOI BRANCH ICBKVNVN 60 HONGLEONG BANK VIETNAM LIMITED HLBBVNVX 61 MALAYAN BANKING BERHAD (MAYBANK), HANOI BRANCH, VIETNAM MBBEVNVX 62 BANGKOK BANK PUBLIC COMPANY LIMITED, HO CHI MINH CITY, VIETNAM BKKBVNVX 63 BAOVIET JOINT STOCK COMMERCIAL BANK, HANOI BRANCH, VIETNAM BVBVVNVX 64 CHINA CONSTRUCTION BANK PCBCVNVX 65 HO CHI MINH CITY DEVELOPMENT JOINT STOCK COMMERCIAL BANK (HD BANK) HDBCVNVX 66 MEKONG HOUSING BANK, VIETNAM MHBBVNVX 67 TIEN PHONG BANK, VIETNAM TPBVVNVX 68 NORTH ASIA COMMERCIAL JOINT STOCK BANK, VIETNAM NASCVNVX 69 VIET NAM THUONG TIN COMMERCIAL JOINT STOCK BANK VNTTVNVX 70 DBS BANK LTD, HOCHIMINH CITY BRANCH, VIETNAM DBSSVNVX 71 OVERSEA-CHINEASE BANKING CORPORATION LIMITED,HO CHI MINH BRANCH OCBCVNVX 72 OCEAN COMMERCIAL JOINT STOCK BANK, VIETNAM OJBAVNVX 73 WOORIBANK, HOCHIMINH BRANCH HVBKVN2X 74 GREAT TRUST JOINT STOCK COMMERCIAL BANK, VIETNAM GTBAVNVX 75 BANK OF COMMUNICATIONS CO. LTD., HO CHI MINH CITY BRANCH COMMVNVX 76 NAM VIET COMMERCIAL JOINT STOCK BANK NVBAVNVX 77 NAM A COMMERCIAL JOINT STOCK BANK NAMAVNVX 78 DAI A COMMERCIAL JOINT STOCK BANK DAIAVNVX 79 VIET CAPITAL COMMERCIAL JOINT STOCK BANK VCBCVNVX
68
1/ BAHRAIN 1 ARAP BANKING CORPORATION ABCOBHBM 2 BNP PARIBAS BAHREIN - MANAMA OFFSHORE BANKING UNIT(OBU) BNPABHBM 3 BNP PARIBAS MANAMA, MANAMA, FULL COMMERCIAL BRANCH (FCB) BNPABHBC 4 WOORI BANK (FORMERLY HANIL BANK), MANAMA HVBKBHBM 2/ ISRAEL 1 BANK HAPOALIM bm , TEL AVIV POALILIT 2 CITIBANK N.A.,TEL-AVIV CITIILIT 3 FIRST INTL BANK OF ISRAEL limited, the, TEL-AVIV FIRBILIT 4 ISRAEL DISCOUNT BANK LTD IDBLILIT 5 mizrahi tefahot bank ltd mizbilit 6 BANK LEUMI LE-ISRAEL B.M, ISRAEL LUMIILIT 3/ JORDAN 1 STANDARD CHARTERED BANK, AMMAN SCBLJOAX 2 BANK OF JORDAN LTD BJORJOAX 4/ KUWAIT 1 BURGAN BANK, KUWAIT KW BRGNKWKW 2 nATIONAL BANK OF KUWAIT NBOKKWKW 5/ OMAN 1 BANKMUSCAT SAOG BMUSOMRX 6/ PAKistAn 1 deutsche bank ag, karachi deutpkka 2 MEEZAN BANK LIMITED, KARACHI MEZNPKKA 3 standard chartered bank, KARACHI scblpkkx
ii/ Middle East: 35 Banks in 10 countries
69

7/ QATAR 1 BNP PARIBAS, DOHA BNPAQAQA 2 Standard chartered bank, dOHA scblQAQX 8/ SAUDI ARABIA 1 ALRAJHI BANKING AND INVESTMENT CORPORATION (HO), RIYADH rjhisari 2 NATIONAL COMMERCIAL BANK, THE JEDDAH SA (HEAD OFFICE) NCBKSAJE 3 ARAB NATIONAL BANK, riYadh (head office) ARNBSARI 4 JPMORGAN CHASE BANK, N.A. RIYADH, SAUDI ARABIA CHASSARI 9/ UNITED ARAB EMIRATES 1 THE ROYAL BANK OF SCOTLAND N.V. (UNITED ARAB EMIRATES) ABNAAEAD 2 BARCLAYS BANK PLC, dubai barcaead 3 BNP PARIBAS, ABU DHABI BNPAAEAA 4 BNP PARIBAS, DUBAI BNPAAEAD 5 commercial bank of dubai cbduaead 6 HABID BANK AG ZURICH, DUBAI HBZUAEAD 7 HSBC BANK MIDDLE EAST, DUBAI BBMEAEAD 8 MARSHREQBANK PSC., DUBAI BOMLAEAD 9 Standard chartered bank, dubai scblaead 10 EMIRATES NBD BANK PJSC, UAE EBILAEAD 10/ YeMen 1 ARAB BANK PLC - YEMEN ARABYESA 1/ ARGENTINA (SoUth AMericA) 1 BANCO SANTANDER RIO S.A., BUENOS AIRES BSCHARBA 2 BNP PARIBAS succursale de, BUENOS AIRES BNPAARBA 2/ BRASIL (SoUth AMericA) 1 BANCO BNP PARIBAS, SAO PAULO BNPABRSP 2 DEUTSCHE BANK S.A. - BANCO ALEMAO, SAO PAULO deutbrsp 3 BANCO DO BRAZIL S.A, BRASBRRJ 3/ CANADA (NORth AMericA) 1 BANK OF AMERICA NATIONAL ASSOCIATION, TORONTO, NASSAU BOFACATT 2 BANK OF MONTREAL, TORONTO BOFMCAm2 3 BANK OF NOVA SCOTIA NOSCCATT 4 BNP PARIBAS CANADA, MONTREAL BNPACAMM 5 CAISSE CENTRALE DEJARDINS DU QUEBEC, LA CCDQCAMM 6 CANADIAN IMPERIAL BK OF COM. CIBCCATT 7 HSBC BANK CANADA, TORONTO HKBCCATT 8 laurentian bank of canada, montreal blcmcamm 9 ROYAL BANK OF CANADA, TORONTO ROYCCAT2 10 BANK OF MONTREA, THE INTERNATIONAL BRANCH, TORONTO BOFMCAT2 4/ CHILE (SOUTH AMericA) 1 BANCO SANTANDER CHILE, SANTIAGO BSCHCLRM 2 bbv banco bhif, santiago bhifclrm 3 SCOTIABANK SUD AMERICANO, SANTIAGO BKSACLRM 4 banco de chile, as legal succesor of citibank chile CITICLRS 5 BANCO DE CREDITO E INVERSIONES CREDCLRM 5/ FRENCH GUIANA (SOUTH AMericA) 1 BANQUE NATIONALE DE PARIS GUYANE, CAYENNE BNPAGFGX 6/ MEXICO ( north AMericA) 1 BANCO SANTANDER , S.A INSTITUCTION DE BANCA MULTIPLE, GRUPO FINANCIERO SANTANDER, MEXICO BMSXMXMM 2 BANK OF AMERICA, MEXICO S.A BOFAMXMX 3 SCOTIABANK INVERLAT, SA MBCOMXMM 7/PERU (SOUTH AMericA) 1 BANCO DE CREDITO DEL PERU, LIMA BCPLPEPL 2 BANCO CONTINENTAL, LIMA, PERU BCONPEPL 8/ URUGUAY (SOUTH AMericA) 1 BANCO SANTANDER , MONTEVIDEO bschuYmm 2 CITIBANK N.A URUGOAY, MONTEVIDEO citiuYmm 3 HSBC BANK (URUGUAY) SA, MONTEVIDEO BLICUYMM 9/ USA (norTH AMericA) 1 THE ROYAL BANK OF SCOTLAND N.V. (NEW YORK) abnaus33 2 THE ROYAL BANK OF SCOTLAND N.V. (CHICAGO) ABNAUS4C 3 AIB BANK, NEWYORK aibkus3t 4 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD anzbus33 5 BANK OF THE WEST, WALNUT CREEK,CA BWSTUS66 6 BANCO DE SABADELL, S.A., MIAMI,FL bsabus3x 7 BANCO SANTANDER CENTRAL HISPANO S.A. NEW YORK bschus33 8 BANK OF AMERICA NA, NEW YORK bofaus3n 9 BANK OF AMERICA NA, SAN FRANCISCO, CA, US BOFAUS6S 10 BANK OF MONTREAL, CHICAGO BOFMUS4X 11 BANK OF NOVA SCOTIA (ATLANTA AGENCY) noscus33 12 BANK OF TOKYO MITSUBISHI ufj LTD, NEWYORK botkus33 13 BANKOK BANK PUBLIC COMPANY LTD, NEWYORK BKKBUS33 14 UNICREDIT BANK AG (HYPOVEREINSBANK), NEWYORK hYveus33 15 BNP PARIBAS SECURITIES CORPORATION, NEW YORK bnpaus3c 16 BNP PARIBAS MIAMI, MIAMI,FL bnpaus3m 17 BNP PARIBAS U.S.A, NEW YORK bnpaus3n 18 BNP PARIBAS USA, CHICAGO bnpaus44 19 BNP PARIBAS USA, SAN FRANCISCO bnpaus6s 20 bNP PARIBAS, HOUSTON bnpaus4h 21 BRANCH BANKING AND TRUST COMPANY, GREENSBORO, NC, US BRBTUS33 22 BROWN BROTHERS HARRISMAN AND CO, NEWYORK bbhcus33 23 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK (CREDIT AGRICOLE CIB) crlYus33 24 cathaY bank, rosemead, ca cathus6l 25 CITI BANK NA, NEWYORK citius33 26 CITY NATIONAL BANK, LOS ANGELES, ca cinaus6l 27 COBANK, DENVER nbfcus55 28 california bank and trust, los angeles calbus66 29 COMMERZBANK AG, NEW YORK cobaus3x 30 COMMONWEALTH BANK OF AUSTRALIA, NEWYORK ctbaus33 31 COMMONWEALTH BUSINESS BANK, LOS ANGELES CWBBUS6L 32 DBS BANK LTD, LOS ANGELES AGENCY -lOS ANGELES, CA US DBSSUS6L 33 DEUTSCHE BANK TRUST COMPANY AMERICAS, NEWYORK bktrus33 34 DEUTSCHE BANK, AG deutus33 35 DNB NOR BANK ASA, NEW YORK BRANCH dnbaus33 36 EAST-WEST BANK, SAN MARINO, CA ewbkus66 37 FAR EAST NATIONAL BANK, LOS ANGELES FENBUS6L 38 first hawaian BANK, HONOLULU,HI FHBKUS77 39 FORTIS FINANCIAL MARKETS LLC gebaus33 40 HABIB AMERICAN BANK, NEW YORK, NY, US HANYUS33 41 HSBC BANK USA, NEW YORK mrmdus33 42 harris n.a, chicago hatrus44 43 INTESA SANPAOLO SPA (FORMERLY BANCA INTESA SPA NEW YORK) bcitus33 44 ISRAEL DISCOUNT BANK OF NEW YORK, N.Y IDBYUS33 45 JP MORGAN CHASE BANK N.A, NEWYORK chasus33 46 kasikorn bank pcl, los angeles kasius6l 47 keYbank national association, CLEVELAND keYbus33 48 KRUNG THAI BANK PUBLIC COMPANY LIMITED, LOSANGELES krthus6l 49 MIZUHO CORPORATE BANK LTD, NEW YORK BRANCH mhcbus33 50 BMO HARRIS BANK N.A. FORMERLY KNOWN AS M AND I BANK MARLUS44 51 MONTE DEI PASCHI DI SIENA - NEW YORK pascus33 52 MERCANTIL COMMERCEBANK, N.A.,MIAMI,FL MNBMUS33 53 NatiXIS bank bfceus33 54 NATIONAL AUSTRALIA BANK LIMITED, NEWYORK nataus33 55 NORDEA BANK FINLAND PLC NEW YORK BRANCH, NEWYORD ndeaus3n 56 OVERSEA-CHINEASE BANKING CORPORATION LIMITED, newYork ocbcus33 57 PNC BANK N.A, PITTSBURGH pnccus33 58 REGIONS BANK,BIRMINGHAM UPNBUS44 59 RABO BANK NEDERLAND, NEW YORK rabous33 60 SHANGHAI COMMERCIAL BANK LTD.,LOS ANGELES SCBKUS6L 61 SHINHAN BANK, NEW YORK shbkus33 62 SILICON VALLEY BANK, SANTA CLARA,CA svbkus6s 63 SOCIETE GENERALE, NEWYORK sogeus33 64 SOVEREIGN BANK, WYOMISSING, PA svrnus33 65 STANDARD CHARTERED BANK, NEWYORK scblus33 66 THE BANK OF NEW YORK MELLON irvtus3n 67 THE SUMITOMO MITSUI BANKING CORP. smbcus33 68 U.S. BANK, MINNEAPOLIS, MN US usbkus44
III/ America: 122 banks in 16 countries
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10 ing belgium nv/sa BBRUBEBB 11 KBC BANK NV, ANTWERPEN KREDBEBB022 12 KBC BANK NV, KORTRIJK KREDBEBB085 13 KBC BANK NV, BRUSSELS KREDBEBB 14 RABO BANK INTERNATIONAL, ANTWERP BRANCH RABOBE22 15 SUMITOMO MITSUI BANKING CORP. SMBCBEBB 16 CREDIT EUROPE BANK N.V, ANTWERP BRANCH fbhlbe22 4/ BULGARIA 1 UNICREDIT BULBANK AD, SOFIA UNCRBGSF 2 RAIFFEISENBANK (BULGARIA) EAD RZBBBGSF 5/ CROATIA 1 ZAGREBACKA BANKA DD ZAGREB HR ZABAHR2X 2 raiffeisenbank austria D.D. ZAGREB, ZAGREB rzbhhr2x 6/ CZECH 1 CESKOSLOVENSKA OBCHODNI BANKA, A.S., PRAGUE cekoczpp 2 COMMERZBANK AG, PRAGUE COBACZPX 3 citibank europe plc, ORGANIZACNI SLOZKA citiczpx 4 komercni banka as kombczpp 5 RAIFFEISEN BANK A.S. PRAGUE CZ RZBCCZPP 6 UNICREDIT BANK CZECH REPUBLIC,A.S., PRAGUE BACXCZPP 7/ CYPRUS 1 NATIONAL BANK OF GREECE (CYPRUS) LTD. ETHNCY2N 2 bank of cYprus PUBLIC COMPANY LIMITED bcYpcY2n IV/ Caribean 8/ DENMARK 1/ CAYMAN ISLAND 1 CITIBANK INTERNATIONAL PLC COPENHAGEN DK CITIDKKX 1 COMMERZBANK AG, CAYMAN ISLANDS BRANCH gEORGETOWN cobakYkx 2 DANSKE BANK A/S, COPENHAGEN DABADKKK 2 DNB NOR BANK ASA, CAYMAN ISLAND BRANCH, GEORGETOWN DNBAKYKX 3 dnb nor bank asa, filial danmark, copenhagen DNBADKKX 3 INTESA SANPAOLO SPA GEORGETOWN (FORMERLY INTESABCI S.P.A. GEORGETOWN) BCITKYKX 4 HANDELSBANKEN, COPENHAGEN HANDDKKK 4 NORDEA BANK FINLAND PLC, GEORGETOWN NDEAKYKX 5 JYSKE BANK A/S, COPENHAGEN JYBADKKK 2/ GUADELOUPE 6 NORDEA BANK DENMARK A/S, COPENHAGEN NDEADKKK 1 BNP PARIBAS GUADELOUPE BNPAGPGX 7 SPAR NORD BANK, AALBORG SPNODK22 3/MARTINIQUE 8 SPARBANK A/S, SKIVE, DENMARK SKIVDK22 1 BNP PARIBAS MARTINIQUE BNPAMQMX 9 SYDBANK A/S, AABENRAA SYBKDK22 4/PUERTO RICO 9/ ESTONIA 1 bANCO SANTANDER PUER TO RICO, SANJUAN BSCHPRSX 1 SAMPO PANK (DANSKE BANK A/S ESTONIA BRANCH) FOREEE2X 2 ESTONIAN CREDIT BANK, TALLINN EKRDEE22 V/Europe: 365 banks in 36 countries 3 NORDEA BANK FINLAND PLC ESTONIA BRANCH, TALLINN NDEAEE2X 1/ AUSTRIA 4 SEB PANK EEUHEE2X 1 UNICREDIT BANK AUSTRIA AG BKAUATWW 10/ FRANCE 2 GUTMANN, VIENNA gutbatww 1 THE ROYAL BANK OF SCOTLAND N.V. (FRANCE) ABNAFRPP 3 RAIFEISEN- LANDESBANK TIROL AKATIENGESELLSCHAFT,VIENNA rztiat22 2 BANCO DE SABADELL, PARIS BSABFRPP 4 RAIFEISEN BANK INTERNATIONAL AG RZBAATWW 3 BANK OF AMERICA na, PARIS BOFAFRPP 5 RAIFEISEN-LANDESBANK KAERNTEN REG.GEM.M.B.H, KLAGENFURT RZKTAT2K 4 BANQUE BIA, PARIS BIARFRPP 6 RAIFEISEN-LANDESBANK NIEDEROESTERREICH-WIEN AG, VIENNA RLNWATWW 5 BNP PARIBAS SA, PARIS BNPAFRPP 7 RAIFEISEN-LANDESBANK OBEROESTERREICH AKATIENGESELLSCHAFT, LINZ RZOOAT2L 6 BANCA intesia france (ho), PARIS BCITFRPP 8 RAIFEISEN-LANDESBANK STEIERMARK, GRAZ rzstat2g 7 CREDIT DU NORD, PARIS NORDFRPP 9 RAIFEISEN-LANDESBANK VORARLBERG, BREZENZ RVVGAT2B 8 COMMERZBANK AG, PARIS COBAFRPX 10 STEIERMAERKISCHE BANK UND SPARKASSEN AG, GRAZ STSPAT2G 9 CREDIT AGRICOLE CIB BSUIFRPP 11 societe general, vienne sgabatww 10 cm-cic banques, paris CMCIFRpp 12 ZVERA BANK, R.Z.Z.O.J BANK UND EVISIONSVERBAND, REG.GEM.M.B.H, KLAGENFURT VSGKAT2K 11 CREDIT MUTEL - CIC BANQUES CMCIFRPA 13 oberbank ag obklat2l 12 CREDIT LYONNAIS, paris (Ho) CRLYFRPP 14 HYPO ALPE-ADRIA BANK INTERNATIONAL AG HAABAT22 13 CREDIT AGRICOLE s.a, paris AGRIFRPP 15 OESTERREICHISCHE VOLKSBANKEN A.G, VIENNA VBOEATWW 14 KBC BANK nv paris KREDFRPP 16 ERSTE BANK DER OSTERREICHESCHEN SPARKASSEN AG VIENNA AT GIBAATWW 15 MIZUHO corporate BANK LTD, THE, PARIS BRANCH, PARIS. MHCBFRPP 2/ BELARUS 16 NATIXIS CCBPFRPP/NATXFRPP 1 BELARUS BANK, MINSK AKBBBY2X 17 KOREA EXCHANGE BANK, PARIS KOEXFRPP 3/ BELGIUM 18 Suimitomo mitsui banking corporation EUROPE LIMITED, PARIS SMBCFRPP 1 BANK OF AMERICA S.A/NV, ANTWERPEN BOFABE3X 19 SOCIETE GENERAL, PARIS SOGEFRPP 2 BANK OF NEW YORK, THE BRUSSELS IRVTBEBB 20 UNION DE BANQUES ARSBES ET FRANCAISES UBAFFRPP 3 BNP PARIBAS S.A BELGIUM, BRUSSELS BNPABEBB 21 DEUTSCHE BANK AG, FRANCE DEUTFRPP 4 CITIBANK BELGIUM NV/SA ctbkbebx 11/ FINLAND 5 CITIBANK INTL PLC, BRUSSELS CITIBEBX 1 NORDEA BANK FINLAND PLC, HENSIKI NDEAFIHH 6 COMMEZBANK AG BELGIUM SA/NV, THE BRUSSELS BRANCH COBABEBX 2 POHJOLA BANK PLC okoYfihh 7 DEMIR-HALK BANK (NEDERLAND) N.V. BRUSSELS BRANCH DHBNBEBB 3 SVENSKA HANDELSBANKEN HANDFIHH 8 dexia bank belgium sa gkccbebb 4 SAMPO BANK (PART OF DANSKE BANK GROUP), HELSINKI DABAFIHH 9 fortis bank SA/NV (BNP PARIBAS FORTIS), BRUSSELS gebabEbb 69 UNION BANK OF CALIFORNIA INTL bofcus33 70 SUNTRUST BANK, Atlanta sntrus3A 71 whitneY national bank whitus44 72 WELLS FARGO BANK N.A. (FORMerLY KNOWN AS WACHOVIA), MIAMI PNBPUS3M 73 WELLS FARGO BANK N.A. (FORMerLY KNOWN AS WACHOVIA), PHILADELPHIA, US PNBPUS33 74 WELLS FARGO BANK N.A. (FORMerLY KNOWN AS WACHOVIA),LOS ANGELES PNBPUS6L 75 WELLS FARGO BANK N.A. (FORMerLY KNOWN AS WACHOVIA) (fx dept.) Pnbpus3chfx 76 WELLS FARGO NA, SAN FRANCISCO, CA US WFBIUS6S 77 WESTLB AG, NEWYORK welaus3x 78 WOORI BANK, NEWYORK hvbkus33 79 WOORI BANK, LOS ANGELES HVBKUS6L 80 NATIONAL BANK OF KUWAIT SAK, NEW YORK BR NBOKUS33 81 INVESTORS SAVINGS BANK, US IBNJUS33 82 BANCO DE CREDITO E INVERSIONES (BCI), MIAMI BRANCH CREDUS3M 83 FIRST TENNESSEE BANK N.A. FTBMUS44 10/ VENEZUELA (SOUTH AMericA) 1 BANCO DE VENEZUELA SACA GRUPO SANTANDER, CARACAS VZLAVECA 11/GeorGiA (SOUTH AMericA) 1 jsc cartu bank tbilisi ge crtuge22 12/CUBA (centrAL AMericA) 1 BANCO NACIONAL DE CUBA BNACCUHH
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12/ GERMANY 1 bank of toKYO MITSUBISHI ufj LTD, duesseldorf botkdedx 2 BNP PARIBAS S.A niederlassung, FRANKFURT AM MAIN BNPADEFF 3 BREMER LANDESBANK, BREMEN BRLADE22 4 BHF BANK aktiengessellschaft bhfbdeff 5 bANK OF AMERICA na, FRANKFURT (KHONG NHAN L/C) BOFADEFX 6 UNICREDIT BANK AG (HYPOVEREINSBANK) HYVEDEMM 7 COMMERZ BANK AG, FRANKFURT COBADEFF/DD/DH/BB/HD/HH 8 COMMERZBANK AG (FORMERLY DRESDNER BANK ag, frankfurt/ berlin) DRESDEFF 9 dEUTSCHE BANK ag, berlin DEUTDEBB 10 DEUTSCHE BANK AG, ROSTOCK DEUTDEBR 11 deutsche bank ag, duessedorf deutdedd 12 dEUTSCHE BANK ag, FRANKFURT DEUTDEFF 13 DEUTSCHE BANK AG,MAINZ DEUTDE5M 14 dEUTSCHE BANK ag, FREIBURG IM BREISGAU DEUTDE6F 15 DEUTSCHE BANK AG,CHEMNITZ DEUTDE8C 16 DEUTSCHE BANK AG, ERFURT DEUTDE8E 17 dEUTSCHE BANK ag, LEIPZIG DEUTDE8L 18 dEUTSCHE BANK ag, ESSEN DEUTDEDE 19 dEUTSCHE BANK ag, HAMBURG DEUTDEHH 20 dEUTSCHE BANK ag, MUENCHEN DEUTDEMM 21 DEUTSCHE BANK AG,HANNOVER DEUTDE2H 22 DEUTSCHE BANK AG, BIELEFELD DEUTDE3B 23 DEUTSCHE BANK AG, KOELN DEUTDEDK 24 DEUTSCHE BANK AG,WUPPERTAL DEUTDEDW 25 DEUTSCHE BANK AG, BREMEN DEUTDEHB 26 dEUTSCHE BANK ag, STUTTGART DEUTDESS 27 DEUTSCHE BANK AG, MANNHEIM DEUTDESM 28 DEUTSCHE BANK PRIVAT-UND GESCHAEFTSKUNDEN AG, FRANKFURT DEUTDEDB 29 DEMIR-HALK BANK (NEDERLAND) N.V., DUESSELDORF BRANCH DHBNDEDD 30 HSH NORDBANK AG, HAMBURG HSHNDEHH 31 HAMBURGER SPARKASSE AG HASPDEHH 32 jp morgan chase N.A, frankfurt chasdefx 33 joh.BERENBERG BANK, gossler und co.kg, HAMBURG BEGODEHH 34 LANDES BANK baden - wuerttemberg SOLADEST 35 LANDESBANK HESSEN-THUERINGEN GIROZENTRALE, FRANKFURT HELADEFF 36 nORDEA BANK finland plc niederlassung deutschland A/S, FRANKFURT AM MAIN NDEADEFF 37 MIZUHO CORPORATE BANK LTD, THE DUESSELDORF BRANCH MHCBDEDD 38 KREISPARKASSE HEILBORN, HEILBRONN HEISDE66 39 KBC BANK DEUTSCHLAND AG, BREMEN BANVDEHB 40 KOREA EXCHANGE BANK (DEUTSCHLAND) AG KOEXDEFA 41 ABN AMRO CLEARING BANK N.V., FRANKFURT BRANCH (FORMERLY KNOWN AS FORTIS BANK GLOBAL CLEARING N.V.) FTSBDEFF 42 FORTIS BANK SA/NV (BNP PARIBAS FORTIS), COLOGNE GEBADE33 43 DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), FRANKFURT AM MAIN GENODE55 44 DZ BANK AG DEUTSCHE ZENTRAL- GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), KARLSRUHE GENODE6K 45 DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), STUTTGART GENODESG 46 DZ BANK AG DEUTSCHE ZENTRAL GENOSSENSCHAFTSBANK, FRANKFURT GENODEFf 47 WGZ-BANK WESTDEUTSCHE GENOSSENSCHAFTS -ZENTRALBANK, DUESSELDORF GENODEDD 48 WESTLB AG,DUESSELDORF WELADEDD 49 OLDENBURGISCHE LANDESBANK AG, OLDENBURG OLBODEH2 50 reuschel und co., MUECHEN reucdemm 51 sparkasse essen bank, ESSEN spesde3e 52 SPARKASSE WESTMUNSTERLAND, AHAUS WELADE3W 53 seb ag, frankfurt, german essede5f 54 SHINHAN BANK EUROPE GMBH, FRANKFURT AM MAIN SHBKDEFF 55 THE SUMITOMO MITSUI BANKING CORP. LTD , thE DUESSELDORF smbcdedd 56 THE BANK OF NEW YORK, frankfurt IRVTDEFX 57 VOLKSBANK PADERBORN-HOEXTER AG DGPBDE3M 58 STANDARD CHARTERED BANK, GERMANY SCBLDEFX 59 DANSKE BANK A/S, HAMBURG DABADEHH 13/ GREECE 1 UNICREDIT BANK AG (HYPOVEREINSBANK) ATHENS HYVEGRAA 2 BNP PARIBAS GRECE, ATHENS BNPAGRAA 3 hSBC BANK PLC (ALL GREEK BRANCHES) ATHENS GR MIDLGRAA 4 NATIONAL BANK OF GREECE S.A., ATHENS ETHNGRAA 14/ HUNGARY 1 budapest CREDIT & DEVELOPMENT BANK NYRT (BUDAPEST BANK NYRT) budahuhb 2 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK, BUDAPEST CRLYHUHB 3 CIB BANK LTD cibhhuhb 4 RAIFFEISEN BANK ZRT, BUDAPEST UBRTHUHB 15/ IRELAND 1 AIB group, dublin (H.O.) AIBKIE2D 2 AIB INVESTMENT MANAGERS ltd., dublin AIBKIE2E 3 BANK OF AMERICA na, DUBLIN BOFAIE3X 4 BNP PARIBAS IRELAND, DUBLIN BNPAIE2D 5 citibank europe plc, dublin citiie2x 6 CITIBANK INTERNATIONAL PLC, DUBLIN DUBLIN IE CITIIE3D 7 COMMERZBANK EUROUPE (IRELAND) COBAIE2X 8 INTESABCI BANK IRELAND PLC, DUBLIN BCITIE2D 9 NATIONAL IRISH BANK (PART OF DANSKE BANK GROUP), DUBLIN, IRELAND DABAIE2D 16/itALY 1 THE ROYAL BANK OF SCOTLAND N.V. (ITALY) ABNAITMM 2 BANCO POPOLARE, VERONA BAPPIT22 3 BANCA NUOVA SPA,PALERMO (Head office) BPVIIT3T 4 BANCA POPOLARE DI VICENZA, VICENZA BPVIIT22 5 BANCA POPOLARE DELLEMILIA ROMAGNA, MODENA BPMOIT22 6 BANCA UBAE SPA UBAIITRR 7 BANCA POPOLARE DELLETRURIA EDEL LAZIO, arzzo ARBAIT33 8 BANCA POPOLARE DI VERONA e novara scrl vrbpit2v 9 bIVERBANCA - CASSA DI RISPARMIO DI BIELLA E VERCELLI SPA, BIELLA crbiit2b 10 BNP PARIBAS succursale ITALIA, MILANO BNPAITMM 11 BANCA POPULAIRE FRIULADRIA SPA, PORDENONE BPPNIT2P 12 BANCA ANTONVENETA SPA, PADOVA ANTBIT2P 13 bANCA MONTE DEI PASCHI DI SIENA S.P.A, MILANO PASCITMM 14 BARCLAYS BANK PLC BARCITMM 15 BANK OF AMERICA, MILANO (KHONG NHAN L/C) BOFAIT2X 16 BANCA NAZIONALE DEL lavoro, ROMA BNLIITRR 17 BANCO BILBAO VIZCAYA ARGENTARIA S.A. MILANO ITALIA BBVAITMM 18 BANCO DI NAPOLI SPA IBSPITNA 19 CASSA DEI RISPARMI DI FORLI E DELLA ROMAGNA SPA IBSPIT2F 20 credito emiliano s.p.a, reggio nellemila bacrit22 21 cREDITO BERGAMASCO, BERGaMO CREBIT22 22 CASSA DI RISPARMIO DI CESENA s.p.a, cesena CECRIT2C 23 COMMERZBANK AG, MILANO COBAITMM 24 DEUTSCHE BANK SPA, MILAN DEUTITMM 25 ICCREA BANCA - ISTITUTO CENTRALE DEL CREDITO COOPE ROMA ICRAITRR 26 ICCREA BANCA, MILANO BRANCH ICRAITMM 27 INTESA SANPAOLO SPA, (HEAD OFFICE), MILANO BCITITMM/BCITIT33 28 INTESA SANPAOLO SPA (FORMERLY BANCA INTESA SPA), BRANCH, MILANO BCITIT22 29 ING BANK nv, MILANO INGBITMM 30 MIZUHO CORPORATE BANK MHCBITMM 31 UNICrEDITO ITALIANO S.P.A, milano UNCRITMM 32 UNICREDIT BANCA SPA, BOLOGNA UNCRIT2B 33 UNICREDIT PRIVATE BANKING SPA,TORINO UNCRIT2T 34 UNICREDIT BANCA DIMPRESA SPA, VERONA UNCRIT2V 35 unione di banche italiane s.c.p.a, bergamo blopit22 36 veneto banca s.c.a.r.l (H.O), montebelluna ambpit2m 37 VENETO BANCA SCPA VEBHIT2M 38 CASSA DI RISPARMIO DI VENEZIA S.P.A IBSPIT2V 39 CASSA DI RISPARMIO IN BOLOGNA SPA, CARISBO IBSPIT2B 40 CASSA DI RISPARMIO DEL VENETO IBSPIT2P 41 HSBC BANK PLC, MILANO, ITALY MIDLITMX 42 CREDITO DI ROMAGNA SPA, ITALY CRDRIT2F 17/ JERSEY 1 ABBEY NATIONAL TREASURY INTL LIMITED, ST HELIER ANILJESH
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18/ LAtviA 1 parex bank, riga parxlv22 19/ LITHUANIA 1 SEB BANK, LITHUANIA CBVILT2X 20/ LUXEMBOURg 1 BNP PARIBAS, LUXEMBOURG BNPALULL 2 BNP PARIBAS, SUCCURSALE DE LUXEMBOURG BNPALULS 3 BANK OF NEW YORK (LUXEMBOURG). SA IRVTLULX 4 COMMERZBANK INTERNATIONAL SA COBALULX 5 DANSKE BANK INTL S.A., LUXEMBOURG DABALULL 6 BGL BNP PARIBAS, LUXEMBOURG BGLLLULL 7 NORDEA BANK S.A, LUXEMBOURG NDEALULL 8 UNICREDIT LUXEMBOURG S.A. HYVELULL 21/ MALTA 1 FORTIS BANK MALTA LTD., GZIRA DISBMTMT 2 FIMBANK PLC, SLIEMA FIMBMTM3 22/ NORWAY 1 BNP PARIBAS OSLO BRANCH BNPANOKK 2 DNB NOR BANK ASA, oslo DNBANOKK/kx 3 FOKUS BANK A/S, TRONDHEIM DABANO22 4 HANDELS BANKEN, OSLO HANDNOKK 5 NORDEA BANK NORGE ASA, OSLO NDEANOKK 6 sparebanken vest, bergen, spavnobb 23/ NETHERLANDS 1 ABN AMRO BANK NV, AMSTERDAM ABNANL2A 2 THE ROYAL BANK OF SCOTLAND N.V., AMSTERDAM RBOSNL2A 3 ABN AMRO BANK N.V., ROTTERDAM ABNANL2R 4 BANQUE ARTESIA NEthERLAND N.V, AMSTERDAM ARTENL2A 5 BNP PARIBAS S.A, AMSTERDAM BNPANL2A 6 COMMERZBANK (NEDERLAND) NV, AMSTERDAM COBANL2X 7 CREDIT EUROPE BANK N.V FBHLNL2A 8 CITIBANK INTERNATIONAL PLC NETHERLANDS BRANCH, AMSTERDAM CITINL2X 9 DEUTSCHE BANK AG, AMSTERDAM DEUTNL2A 10 DEMIR HALK BANK (NEDERLAND) N.V. ROTTERDAM NL DHBNNL2R 11 ABN AMRO BANK N.V. (FORMELY KNOWN AS FORTIS BANK NEDERLAND N.V, ALL DUCTH OFFICES ) (THAY THE 4 DIA CHI: GEBANL2R, MEESNL2A, MEESNL2R, VSBUNL2U) FTSBNL2R 12 garantibank international n.v ugbinl2a 13 ING BANK N.V, ALL DUTCH OFFICES INGBNL2A 14 KBC BANK NEDERLAND NV,ROTTERDAM KREDNL2X 15 KOREA EXCHANGE BANK, AMSTERDAM BRANCH KOEXNL2A 16 HOLLANDSCHE BANK-UNIE ROTTERDAM HBUANL2R 17 RABO BANK NEDERLAND, ULTRECH RABONL2U 18 societe generale, AMSTERDAM sogenl2a 19 THE ECONOMY BANK N.V (TEBNV) TEBUNL2A 24/ PORTUGAL 1 BNP PARIBAS SUCURSAL EM PORTUGAL, LISBON BNPAPTPL 25/ POLAND 1 BPH BANK HIPOTEC2NY SA, WARZAWA HYVEPLP2 2 bank bph sa krakow pl bphkplpk 3 BANK POLSKA KASA OPIEKI SPOLKA AKCYJNA - BANK PEKAO S.A, WARSZAWA pkopplpw 4 DANSKE BANK POLSKA S.A., WARSZAWA DABAPLPW 5 HSBC BANK, POLSKA SA, POLAND HSBCPLPW 6 KREDYT BANK S.A. , WARSZAWA KRDBPLPW 7 NORDEA BANK POLSKA S.A., GDYNIA NDEAPLP2 8 powszechna kasa oszczednosci bank polski sa bpkoplpw 9 raiffensen bank polska s.a, WARSZAWA rcbwplpw 10 BRE BANK S.A. ODDZIAL SZCZECIN, POLAND BREXPLPW 26/ ROMANIA 1 UNICREDIT TIRIAC BANK SA, BUCHAREST BACXROBU 27/ RUSSIA FEDERATION 1 AVTOVAZBANK OAO, TOGLIATTI avbkru3t 2 BANK WESTLB VOSTOK (ZAO), MOSCOW welarumm 3 bank of moscow, moscow ru moswrumm 4 CREDIT EUROPE BANK LTD FMOSRUMM 5 centrokredit bank, moscow ckbbrumm 6 CALYON (FORMERLY CREDIT LYONNAIS RUSBANK) crlYru2p 7 COMMERZBANK EURASIJA SAO, MOSCOW COBARUMM 8 far easTERN commercial BANK, khabarovsk faECru8k 9 J.P.MORGAN BANK INTERNATIONAL chasrumx 10 JSC VTB BANK, MOSCOW VTBRRUMM 11 INTERNATIONAL INVESTMENT BANK, MOSCOW iibmrumm 12 INTERNATIONAL BANK FOR ECONOMIC CO-OPERATION IBECRUMM 13 promsvYazbank prmsrumm 14 rAIFFEISEN BANK AUSTRIA MOSCOW rzbmrumm 15 ZAO UNICREDIT BANK IMBKRUMM 16 ZAO CITIBANK, MOSCOW CITIRUMX 17 OPEN JOINT STOCK COMPANY OTP BANK OTPVRUMM 18 RUSSKY SLAVIANSKY BANK (RUSSLAVBANK), MOSCOW RSLBRUMM 28/ REUNION 1 BNP PARIBAS LA REUNION BNPARERX 29/ SLOVAKIA 1 CESKOSLOVENSKA OBCHODNA BANKA, A.S., BRATISLAVA CEKOSKBX 2 tatra banka a.s., bratislava tatrskbx 30/ SLOVENIA (SOUTHERN EUROPE) 1 UNICREDIT BANKA SLOVENIJA D,D BACXSI22 31/ SPAIN 1 BANCO POPULAR ESPANOL, SA, MADRID POPUESMM 2 BANCO DE SABADELL S.A bsabesbb 3 BANCO BILBAO VIZCAYA ARGENTARIA, S.A., MADRID BBVAESMM 4 BANCO GUIPUZCOANO S.A. BGUIES22 5 BANK OF AMERICA NA, MADRID (KHONG NHAN L/C) bofaes2x 6 BNP PARIBAS ESPANA, MADRID bnpaesmm 7 BNP PARIBAS S.A. SUCURSAL EN ESPANA, MADRID bnpaesms 8 CAJAMAR CAJA RURAL, SOCIEDAD COOPERATIVA DE CREDITO, ALMERIA ccries2a 9 CALYON MADRID BSUIESMM 10 CAJA ESPANA DE INVERSIONES, CAJA DE AHORROS Y MONTE DE PIEDAD, LEON cspaes2l 11 CAIXABANK, S.A. CAIXESBB 12 cOMMERZ BANK AG, MADRID cobaesmX 13 CAJA LABORAL POPULAR, COOP. DE CREDITO (CAJA LABORAL), MONDRAGON clpees2m 14 FORTIS BANK, SA/NV (BNP PARIBAS FORTIS), MADRID GEBAESMM 15 GIPUZKOA DONOSTIA KUTXA CAJA GIPUZKOA saN SEBAST, SAN SEBASTIAN CGGKES22 16 CONFEDERACION ESPANOLA DE CAJAS DE AHORROS, MADRID CECAESMM 17 BANCO PASTOR S.A PSTRESMM 18 CAJA MADRID - CAJA DE AHORROS Y MONTE DE PIEDAD DE MADRID CAHMESMM 19 BANCO SANTANDER SA BSCHESMM 20 THE BANK OF TOKYO-MITSUBISHI UFJ LTD-MADRID BRANCH BOTKESMX 21 BANCO COOPERATIVO ESPANOL SA BCOEESMM 32/ SWITZERLAND 1 THE ROYAL BANK OF SCOTLAND N.V., AMSTERDAM, ZURICH BRANCH abnachz8 2 BANQUE CANTONALE DE GENEVE bcgechgg 3 BANQUE CANTONALE VAUDOISE LAUSANNE CH bcvlch2l 4 BHF BANK (SCHWEIZ) AG, ZURICH bhfbchzz 5 BANQUE DE COMMERCE ET DE PLACEMENTS S.A., GENEVA BPCPCHGG 6 bnp paribas (SUISSE) SA GENEVE bppbchgg 7 CREDIT AGRICOLE (SUISSE)SA AGRICHGG 8 CREDIT SUISSE , ZURICH creschzz 9 DEUTSCHE BANK AG ZURICH BRANCH DEUTCHZZ 10 NORDEA BANK S.A., LUXEMBURG, ZWEIGNIEDERLASSUNG, ZUERICH, ZURICH ndeachzz 11 ING BELGIUM NV/SA, BRUSSELS, GENEVA BRANCH (FORMERLY BBL BRUXELLES, SUCCURSALE DE GENEVE) bbruchgt 12 STANDARD CHARTERED BANK (SWITZERLAND) S.A., GENEVA SCBLCHGG 13 Ubs AG, ZURICH (UNION BANK OF SWITZERLAND) ubswchzh 14 ZUERCHER KANTONAL BANK ZUZICH CH zkbkchzz 15 MERCANTIL BANK, AG BAMRCHZZ 16 HINDUJA BANK (SWITZERLAND) LTD ABSGCHGG 33/ SWEDEN 1 DANSKE BANK, STOCKHOLM dabasesx 2 DNB NOR BANK ASA, FILIAL SVERIGE, STOCKHOLM dnbasesx 3 NORDEA BANK AB (PUBL), GOTEBORG ndeasegg 4 NORDEA BANK (STOCKHOLM BRANCH) ndeasess
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5 SWEDBANK (FORENINGSSPARBANKEN AB (PUBL)), STOCKHOLM swedsess 6 SVENSKA HANDELSBANKEN, STOCKHOLM HANDSESS 7 SKANDINAVISKA ENSKILDA BANKEN, GOTEBORG essesesg 8 SKANDINAVISKA ENSKILDA BANKEN, STOCKHOLM essesesS 34/ TURKEY 1 CITIBANK A.S cititrix 2 WESTLB AG ISTANBUL BRANCH WELATRIS 3 TURKIYE HALK BANKASI A.S TRHBTR2A 35/ UKRAINE 1 JSC THE STATE EXPORT-IMPORT BANK OF UKRAINE exbsuaux 36/ UniteD KinGDoM (Western EURope) 1 ALLIED IRISH BANK (GB) (AIB GROUP (UK) P.L.C. T/A) aibkgb2L 2 BANK TRUST COMPANY AMERICAS LONDON BRANCH bktrgb2l 3 BANCA INTESIA S.P.A, LONDON BCITGB2L 4 BANCA MONTE DEI PASCHI DI SIENA SPA - LONDON BRANCH, LONDON PASCGB2L 5 BANK OF AMERICA NA, LONDON bofagb22 6 BARCLAYS BANK PLC, LONDON barcgb22 7 BANCO DE SABADELL, S.A, LONDON bsabgb2l 8 UNICREDIT BANK AG (HYPOVEREINSBANK), LONDON HYVEGB2L 9 BNP PARIBAS, LONDON BNPAGB22 10 BANK OF CYPRUS UK BCYPGB2L 11 CALYON (FORMERLY CREDIT LYONNAIS), LONDON crlYgb2l 12 CITIBANK NA, LONDON citigb2l 13 COMmERZBANK AG cobagb2x 14 COMMONWEALTH BANK OF AUSTRALIA ctbagb2l 15 DEUTSCHE BANK AG, LONDON deutgb2l 16 DEUTSCHE BANK TRUST CO., AMERICAS INTL, LONDON BRANCH bktigb2l 17 DANSKE BANK, LONDON dabagb2l 18 DNB NOR BANK ASA, LONDON BRANCH dnbagb2l 19 FORTIS BANK S.A/ N.V (BNP PARIBAS FORTIS), LONDON gebagb22 20 JP MORGAN CHASE BANK N.A, LONDON chasgb2l 21 HABIB BANK AG ZURICH HBZUGB2L 22 HSBC BANK PLC (MIDLAND BANK PLC), LONDON midlgb22 23 KBC BANK NV LONDON kredgb2x 24 KOREA EXCHANGE BANK, LONDON KOEXGB2L 25 MIZUHO CORPORATE BANK LTD, LONDON mhcbgb2l 26 NORDEA BANK FINLAND PLC LONDON BR. ndeagb2l 27 NATIONAL WESTMINTER BANK PLC, LONDON NWBKGB2L 28 NATEXIS BANQUES POPULAIRES, LONDON BFCEGB2L 29 NATIONAL AUSTRALIA BANK LTD, LONDON natagb2l 30 NATIONAL BANK OF EGYPT (UK) LIMITED LONDON GB NBEGGB2L 31 OVERSEA-CHINEASE BANKING CORPORATION LIMITED, london ocbcgb2l 32 ROYAL BANK OF CANADA, LONDON roYcgb2L 33 ROYAL BANK OF CANADA EUROPE LIMITED, LONDON ROYCGB22 34 STANDARD CHARTERED BANK, LON DON scblgb2l 35 SHINHAN BANK, LONDON BRANCH shbkgb2l 36 THE BANK OF NEW YORK, LONDON irvtgb2x 37 the BANK of tokYo mitsubishi ufj LTD., LONDON BRANCH botkgb2l 38 THE SUMITOMO MITSUI BANKING CORPORATION,LONDON smbcgb2l 39 WELLS FARGO BANK N.A (FORMERLY KNOWN AS WACHOVIA), LONDON BRANCH pnbpgb2l 40 WOORI BANK LONDON hvbkgb2l 41 WESTLB ag, LONDON BRANCH welagb2L 42 NORTHERN BANK (PART OF DANSKE BANK GROUP), BELFAST, UK DABAGB2B 43 DEVELOPMENT BANK OF SINGAPORE (DBS BANK LTD) DBSSGB2L 1/ AUstrALiA 1 RBS GROUP (AUSTRALIA) PTY LIMITED abnaau2s 2 ANZ BANKing group limited, MELBOURNE Anzbau3m 3 ANZ BANKING GROUP LIMITED, SYDNEY ANZBAU2S 4 ANZ BANKING GROUP LIMITED, BRISBANE ANZBAU4B 5 ANZ BANKING GROUP LIMITED, ADELAIDE ANZBAU5A 6 BANK OF AMERICA, n.a SYDNEY bofaausx 7 BNP PARIBAS, SYDNEY bnpaau2s 8 citibank, sYdneY citiausx 9 citibank, melbourne citiau3x 10 CITIBANK limited, melbourne citiau2x 11 COMMONWEALTH BANK OF AUSTRALIA, SYDNEY ctbaau2s 12 JPMORGAN CHASE BANK, N.A.,SYDNEY CHASAU2X 13 MIZUHO CORPORATE BANK, LTD. SYDNEY BRANCH MHCBAU2S 14 NATIONAL AUSTRALIA BANK LTD. nataau33 15 RABOBANK AUSTRALIA LIMITED (FORMERLY PIBA) RABOAU2B 16 RABOBANK AUSTRALIA BRANCH RABOAUSS 17 RABO AUSTRALIA LIMITED RABOAU2S 18 WESTLB SYDNEY BRANCH, SYDNEY welaau2s 19 standard chartered bank, australia SCBLAU2S 20 THE BANK OF TOKYO MITSUBISHI, AUSTRALIA BOTKAU2X 2/ NEW CALEDONIA 1 BANQUE NATIONALE DE PARIS NOUVELLE CALEDONIE, NOUMEA BNPANCNX 3/ NEW ZEALAND 1 asb bank limited, auckland asbbnz2a 2 ANZ BANK, WELLINGTON ANZBNZ22 3 CITIBANK NA, AUCKLAND CITINZ2X 4 NATIONAL NOMINEES LIMITED, AUCKLAND NATANZ22 5 KOOKMIN BANK , auckland branch cznbnz2a 6 HSBC, AUCKLAND HSBCNZ2A 4/ SOLOMON ISLANDS 1 aNZ BANK, LTD, HONIARA anzbsbsb 1/ ALGERIA 1 BNP PARIBAS EL DJAZAIR, ALGIERS bnpadzal 2/ BOTSWANA 1 FIRST NATIONAL BANK OF BOTSWANA GABORONE FIRNBWGX 3/ EGYPT 1 ARAB INTERNATIONAL BANK ARIBEGCX 2 BANQUE MISR SAE BMISEGCX 3 PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT, CAIRO BDACEGCA 4 NATIONAL BANK FOR DEVELOPMENT NBDEEGCX 5 BNP PARIBAS SAE BNPAEGCX 4/ MAURITIUS 1 HONGKONG SHANGHAI BANKING COPORATION LIMITED, THE HSBCMUMU 2 BRAMER BANKING CORPORATION LTD BBCLMUMU 3 STANDARD CHARTERED BANK, MAURITIUS SCBLMUMU 5/ NAMIBIA 1 FIRST NATIONAL BANK OF NAMIBIA, LTD., WINDHOCK FIRNNANX 6/ SOUTH AFRICA 1 ABSA BANK LIMITED, JOHANNESBURG absazajj 2 citibank SOUTH AFRICA, SANDTON citizajx 3 FIRSTRAND BANK LTD HEAD OFFICE INCL. DIVISIONS FIRST NATIONAL BANK, FNB CORPORATE AND RAND MERCHANT BANK firnzajj 4 NEDBANK LIMITED, JOHANNESBURG nedszajj 5 SOCIETE GENERAL, JOHANNESBURG sogezajj 6 STANDARD BANK OF SOUTH AFRICA LTD sbzazajj 7/ SWAZILAND 1 fIRST NATIONAL BANK OF SWAZILAND LIMITED, MBABANE firnszmx 8/ TANZANIA 1 CITIBANK TANZANIA LTD, DAR ES SALAAM CITITZTZ
VII/africa: 19 banks in 8 countries
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VI/Australia: 27 banks in 4 countries
1. AgrIbanK LeasIng ComPanY No 1 ALC 1 Head office: 04 Pham Ngoc Thach Street, Dong Da District, Hanoi Telephone: (84-4) 35745429 - 35745417 Fax: (84-4) 35745423 - 35745431 Email: alc1@fpt.vn Website: http://www.alc1.com.vn 2. AgrIbanK LeasIng ComPanY No 2 ALC 2 Head office: 422 Tran Hung Dao Street, District 5, Ho Chi Minh City Telephone: (84-8) 9241110 Fax: (84-8) 9241112 Email: alc2@hcm.vnn.vn Website: http://www.alc2.com.vn 3. AgrIbanK SeCUrItIes JoInt StoCK CorPoratIon - AgrIseCo Head office: 5th Floor, Artex Building, 172 Ngoc Khanh Street, Ba inh District, Hanoi Telephone: (04-3) 8687217 Fax: (04-3) 8687219 Email: webmaster@agriseco.com.vn Website: http://www.agriseco.com.vn 4. VIetnam AgrIbanK GoLD CorPoratIon JsC. AJC Head office: 196 Thai Thinh Street, Dong Da District, Hanoi Telephone: 04.35146417 35146450 Fax: 04.362758108 Website: www.agribank-ajc.com.vn www.ajc.com.vn
5. AgrIbanK JeweLrY ComPanY HoCHIMInH CItY - VJC Head office: No. 3-5 Ho Tung Mau Road, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City Telephone: (84-8) 38210422 Fax: (84-8) 38215314 Email: vjcvbard@hcm.vnn.vn 6. AgrICULtUre BanK InsUranCe JoInt StoCK CorPoratIon - ABIC Head office: 343 Doi Can, Ba Dinh District, Hanoi Telephone: (84-4) 37622555 Fax: (84-4) 37622055 Email: baohiemagribank@abic.com.vn Website: www.abic.com.vn 7. AgrIbanK BanKIng ServICes ComPanY LImIteD - ABSC.,LtD. Head office: No. 10 Chua Boc Road, Dong Da District, Hanoi Telephone: (84-4) 35736642 Fax: (84-4) 35736640
8. HaIPHong TraDIng anD Investment DeveLoPment ComPanY LImIteD Head office: No. 133 Dien Bien Phu, Hong Bang District, Hai Phong City Telephone: (84-31) 3745701 Fax: (84-31) 3745243
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Agribank Annual Report 2011

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Agribank Annual Report 2011

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VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

Bring prosperity to customers

VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

Bring prosperity to customers

CHAIRMAN OF THE BOARD OF DIRECTORS

Nguyen Ngoc Bao

3. CHangIng, aPPoIntIng senIor PersonneL

4. DeveLoPIng tHe RestrUCtUrIng PLan

5. Investment Into tHe Tam Nong reaCHeD VND 300 trILLIon

6. Best ProDUCts anD servICes ProvIDer In 2011

MAJOR EVENTS IN 2011

7. EXCeLLent BanK In CarD servICe

1. SHIFtIng tHe moDeL oF oPeratIon

8. LeaDIng banK In CoLLeCtIng tHe state bUDget tHroUgH banKs

2. InCreasIng CHarter CaPItaL

AGRIBANK OVERVIEW 2011

Total fund resources

Total outstanding loans

Non-performing loans (NPLs)

524,000 500,000 470,000

MAin bUsiness Activities

FUND RESOURCE GROWTH 2007-2011

BUSINESS PERFORMANCE 2011

CAPITAL STRUCTURE 2011

Short-term Medium and long term

INTERNATIONAL PAYMENT VOLUME IN THE PERIOD 2007-2011

Unit: USD million

Short-term Medium and long term Households and Individuals Enterprises

Households and Individuals 211,964 47.8% Foreign currencies

Households and Individuals Enterprises

CROSS BORDER PAYMENT TURNOVER PERIOD 2007-2011

4.6. Receipt and implementation of foreign projects

Unit: VND billion

4.2. Foreign currency trading

4.4. Border payment business

4.5. Overseas Remittance

FOREIGN CURRENCY TRADING VOLUME

OVERSEAS REMITTANCE VOLUME fROM 2007-2011

100,000 50,000 0 2009 2010 2011

Unit: million USD

4.3. Money market business

4.7. International Cooperation

6. ProDUCts anD servICes

NUMBER Of CARDS ISSUED PERIOD 2007- 2011

5. CARD BUSINESS DEVELOPMENT

7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 0

DEPLOYMENT Of ATMS/EDCS PERIOD 2007-2011

9. CorPorate BranD anD CULtUre DeveLoPment

10. HUman ResoUrCes TraInIng & DeveLoPment

11. PromotIng soCIaL resPonsIbILItY to tHe CommUnItY

Straight Through Processing Award

Highly Automatic Straight Through Processing Award

Vietnams Top 500 Largest Enterprises (VNR 500)

Business with the best products and services in 2011

Excellence in bank card operations

Mr. Hoang Anh Tuan

Member of Board of Directors

Mr. Nguyen Huu Luong

Mr. Nguyen Ngoc Bao

Chairman of Board of Directors

Member of Board of Directors

Mr. Pham Ngoc Ngoan

Member of Board of Directors