MONTHLY REPORTMONTHLY REPORT

LOGO

Accounting Finance Div.

.

LOGO

2012 business result

ITEMS  Actual Budget   Variance%

Budget%

Total

Total income

250,358 442,548 (192,191) 57%

Premium collections

118,657 309,048 (190,390) 38% 47%

Investment income

130,148 132,628 (2,481) 98% 52%

Others 1,553 872 680 178% 1%

mil

LOGO

2012 business result

ITEMS  Actual Budget   Variance%

Budget %

Total

Total Expense

256,383

510,338

(253,955)

50%

Direct and sales

131,504

372,852

(241,348)

35%51%

Investment

550

394

156 139%

0.21%

Management

124,329

137,091 (12,763)

91%48%

mil

Loss (before tax) : 250,358 - 256,383 = 6,025 mil VND

5

Investment Asset AllocationInvestment ResultInvestment Result

Gov. Bonds: Ave. yield 13.5%; Duration 4.9yGov. Bonds: Ave. yield 13.5%; Duration 4.9y

VND TD:Ave. rate 11.5%; Tenor: 3.7y VND TD:Ave. rate 11.5%; Tenor: 3.7y

USD TD:Ave. rate 2.5%; Tenor: 0.1yUSD TD:Ave. rate 2.5%; Tenor: 0.1y

Cash/DD:Ave. rate 1.5%Cash/DD:Ave. rate 1.5%

Most of our investment income comes from the long term Government Bonds.

Weighted average yield is around 12.6%. We achieve 11 billion VND Investment Income every month.

Portfolio: VND1,026 billion

VND TD(32.7%)

Gov. Bond (65.6%)USD TD

(1.3%)

Note: As of Sep. 19th

L/O/G/O

MONTHLY MEETING January 2013

HR Report

MONTHLY MEETING January 2013

HR Report

THIS MONTH REVIEWTHIS MONTH REVIEW1. 2013 package of group insurance Participant:

Personal accident insurance: All employees after 02 months of probation

Health insurance:

Manager level: 01 year seniority

Staff level: 02 year seniorities

Coverage: The same last year coverage

New additional issue: Allow employee to purchase for family members

THIS MONTH REVIEWTHIS MONTH REVIEW2. Employee Rotation Policy Background of Rotation Policy:

Employee rotation is one of the typical working cultures at parent company. In Vietnam, our company has been doing business for more than 4 years. There are some of our employees having some certain years working in one department already. Therefore, it is time for us to apply the employee rotation policy.

THIS MONTH REVIEWTHIS MONTH REVIEW

2. Employee Rotation Policy (cont.) Benefits:

For employees: expand the employee’s career path, keep away from boredom and complacency of routine tasks, increase the employee’s creativeness.

For company: deploy employee’s capability and increase employee working effectiveness and productivity.

2013 Employee Rotation Plan: Plan to be effective in February 2013

THIS MONTH REVIEWTHIS MONTH REVIEW3. 2012 Year-end bonus payment The bonus is calculated based on average salary

of period: from Dec. 2011 to Nov. 2012.

The granting month is calculated based on the performance evaluation regulation.

Co-efficiency ratio: based on the term of service

The calculation formula:

Year-end bonus = Monthly average basic salary x Co-efficiency ratio x Granting month.

2012 Year-end bonus granting date:

January 25, 2013

1. Apply employee rotation plan

2. Proposal for employee salary review & promotion

NEXT MONTH PLANNEXT MONTH PLAN

L/O/G/O

MONTHLY REPORTJanuary 2013GENERAL AFFAIRS DEPT.

MONTHLY REPORTJanuary 2013GENERAL AFFAIRS DEPT.

A.OFFICE BUILDING INFORMATIONA.OFFICE BUILDING INFORMATION

The World Center: Internal memo ref. Security control

For staffs:o Wear name-tags in office during working timeo Glass entrance doors 7F, 8F, 10F closed all the time.

Only staffs can access to those office areas by magnetic cards. Anyone not provided a magnetic card so far, please contact HR Dept.

o For property safety and power cost saving, during lunch time and when working time is over, last staff leaving office, please remember to turn off air-conditioners, lights and lock the doors.

A.OFFICE BUILDING INFORMATIONA.OFFICE BUILDING INFORMATION

The World Center: Internal Memo ref. Security control (cont’d)

For visitors (Agents, Clients, suppliers, others): o Guards ask them to wear “Visitor” tags during their

stay. Before leaving, they returns tags and get back personal papers from Guards.

o Visitors should contact Receptionists on 9F for help. Related staffs will be informed to receive their guests.

o For VIP visitors, related staffs should call to inform Guards or get down GF to accompany those visitors getting in the office.

B. NEXT MONTH PLAN B. NEXT MONTH PLAN

Cooperate with IT Div. to improve Asset Management System

Revise and apply stationery ordering process to control cost better

Set up SOP of clearing off un-used furniture / assets kept in warehouses (internal/external sales, cooperate with PR Dept. to donate to charity foundations,...)

Renew Lease contract of The World Center.

L/O/G/O

MONTHLY REPORTJanuary 2013LEGAL DEPT.

MONTHLY REPORTJanuary 2013LEGAL DEPT.

LEGAL NEWS

Law on CIT & Law on VAT

Law on enterprises & Law on investment

Circular on managing using fund for protection of the insured

Circular on guiding accounting in life insurance enterprises

Circular on guiding selling insurance business via bank channel

New policiesNew policies

New regulations will be issued in 2013relating to operations of the company

LEGAL REVIEW

Supplementing the charter capital in 2013

The charter capital will be increased from next monthfrom 60,000,000 USDto

Contents of the company charter related tocharter capital will be revised to submit to the MOF

110,000,000 USD

21/01/2013

Working month 7th 8th 9th 10th 11th 12th 13th

New cases received 499 439 405 400 500 505 467

Issued ratio 92.4% 92.5% 92.3% 93.0% 94.8% 92.9% 94.2%

Agent Cases 79 81 84 82 123 101 94

Agent Cases % 15.8% 18.5% 20.7% 20.5% 24.6% 20.0% 20.1%

UW Index 12th 13th 01st 02nd 03rd 04th 05th 06th 07th 08th 09th 10th 11th 12th 13th

CFS within 14 days 95.5 95.4 96.7 95.9 95.6 94.9 96.7 95.1 96.6 96.3 95.3 96.8 99.2 96.4 93.0

PREMIUM REPORT

Time: 3 months 2013/01/01 – 2013/03/31Time: 3 months 2013/01/01 – 2013/03/31

Content:

1.During program time, customers submit premium ≥ 2Mvnd via VNPT or Sacombank can get a Cathay lunch box

2.Agents or Collectors collect 6 gift vouchers also change a Cathay lunch box

Content:

1.During program time, customers submit premium ≥ 2Mvnd via VNPT or Sacombank can get a Cathay lunch box

2.Agents or Collectors collect 6 gift vouchers also change a Cathay lunch box

Purpose: Increase premium collection efficiency via VNPT and Sacombank Purpose: Increase premium collection efficiency via VNPT and Sacombank

Time: 3 months 2013/01/01 – 2013/03/31Time: 3 months 2013/01/01 – 2013/03/31

Content:

1.During program time, Agents or Collector reinstate success 1 case will get bonus: 3% * PREMIUM

2. Collectors reinstate competition:A.Collector get reinstate excellent of month: Bonus 1.2M (Rank1),

1.0M (Rank2), 0.8M (Rank3)

A.Collector get reinstate excellent of quarterly: Camera SONY Cypershot 3.Collectors team reinstate competition:

Divided group competition, winner teams can join Gala dinner

Content:

1.During program time, Agents or Collector reinstate success 1 case will get bonus: 3% * PREMIUM

2. Collectors reinstate competition:A.Collector get reinstate excellent of month: Bonus 1.2M (Rank1),

1.0M (Rank2), 0.8M (Rank3)

A.Collector get reinstate excellent of quarterly: Camera SONY Cypershot 3.Collectors team reinstate competition:

Divided group competition, winner teams can join Gala dinner

Purpose: Increase reinstatement efficiency.Purpose: Increase reinstatement efficiency.

POS REPORT

Unit

12th -2012

Issue case Not-taken case Ratio (%)

case Premium case values

Ho Chi Minh Total 65 318,668,000 2 25,378,000 5.5%

Ha Noi Total 64 302,444,000 2 17,565,000 4.5%

Da Nang Total 44 201,423,000 1 3,680,000 2.0%

Can Tho Total 11 42,794,000 - - 0.0%

Dong Nai Total 252 1,660,370,000 13 99,241,000 5.6%

Hai Phong Total 5 36,019,000 - - 0.0%

GA BenTre 27 225,390,000 4 71,991,000 23.4%

Dummy Branch 17 87919000 0 0 0.0%

GRAND TOTAL 485 2,875,027,000 22 217,855,000 6.1%

2. Not-taken ratio in 12th wkm - 2012Targe

t 2012

4%

3.Monthly Suspend cases report – 2012

4. Monthly Suspend cases report – 2012

MONTHLY Jan Feb Mar Arp May Jun July Aug Sep Oct Nov Dec Total

HCM 98 82 80 49 84 120 102 156 122 110 185 105 1293

DN 24 30 16 20 52 83 37 30 45 35 55 44 471

CAN 31 37 45 40 23 24 54 98 76 50 80 66 624

DONG NAI 46 58 52 55 80 155 132 161 200 333 394 317 1983

HAI PHONG

51 49 31 38 83 99 123 129 140 119 202 214 1278

Dummy Branch

196 196

Total 391 417 350 335 509 986 930 1179 1197 1103 1631 127110299

HANOI 141 161 126 133 187 505 482 605 614 456 715 329 4454

January 2013 - Monthly Report

Reduce F.A

Function

Non-Renewal Notice Letter

Attendance Data

Checking

Product Sales

Analysis

Labor Contrac

t Functio

n

Support A07

promotion

SMART SYSTE

M

SMART SYSTE

M

L/O/G/O

Thank You!Thank You!