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ANNUAL REPORT 2011 AGRIBANK Add: 18 Tran Huu Duc, My Dinh 1, Tu Liem, Ha Noi Tel: (84-4) 37724621 Fax: (84-4) 38313717 www.agribank.com.vn VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT Bring prosperity to customers Annual report 2011 VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT Bring prosperity to customers

Agribank Annual Report 2011

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Page 1: Agribank Annual Report 2011

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Add: 18 Tran Huu Duc, My Dinh 1, Tu Liem, Ha NoiTel: (84-4) 37724621 Fax: (84-4) 38313717

www.agribank.com.vn

VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

Bring prosperity to customers

Annual report 2011

VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

Bring prosperity to customers

Page 2: Agribank Annual Report 2011
Page 3: Agribank Annual Report 2011

CONTENTS1. MESSAGE 6

2. AGRIBANK OVERVIEW 2011 10

3. BUSINESS PERFORMANCE 2011 14

4. ORGANIZATIONAL STRUCTURE 26

5. FINANCIAL STATEMENTS 2011 32

6. BUSINESS ORIENTATION 2012 40

7. OPERATING NETWORK 43

8. CORRESPONDENT BANKS 61

9. SUBSIDIARIES 80

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Page 4: Agribank Annual Report 2011

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 bank’s 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 bank’s 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 Agribank’s 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

Nguyen Ngoc Bao

MESSAGEFROM THE CHAIRMAN OF THE BOARD OF DIRECTORS

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Page 5: Agribank Annual Report 2011

MAJOR EVENTS IN 2011

1. ShifTiNG ThE MOdEl Of OpERATiON

For the implementation of Decision No. 214/QĐ-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.

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.

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 Agribank’s 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 Agribank’s 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 customer’s 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.

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.

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.

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Page 6: Agribank Annual Report 2011

AGRIBANKOVERVIEW 2011

BuSINESS ENVIRONmENTOperating 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.

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.successsuccess

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Page 7: Agribank Annual Report 2011

OVERall PERfORmaNCEOperating 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, Agribank’s 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, macro-economic 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 non-interest 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 bank’s 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.

2009

600,000

500,000

400,000

300,000

200,000

100,000

0

470,000

524,000560,000

2010 2011

Total assets Unit: VND billion

Total fund resourcesUnit: VND billion

Non-performing loans (Npls)

Total outstanding loansUnit: VND billion

2009

600,000

500,000

400,000

300,000

200,000

100,000

0 2010 2011 2009

500,000

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

0 2010 2011

Year 2011Year 2010Year 2009

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Page 8: Agribank Annual Report 2011

BUSINESS PERFORMANCE 2011

maIN BuSINESS aCTIVITIES

1. fuNd MOBilizATiONAs of 31 December 2011, Agribank’s 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

2007 2008 2009 2010 2011

600,000

500,000

400,000

300,000

200,000

100,000

0

capital structure 2011

Funds mobilized from customersFunds mobilized from credit institutions and

trusted funds

From population

From economic entities

From State Treasury

Percentage (%) 60.6% 20.6% 4.2% 14.6%

Funds mobilized from population

Funds mobilized from economic entities

From State Treasury

Funds mobilized from credit institutions and trusted funds

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Page 9: Agribank Annual Report 2011

international payment volume in the period 2007-2011

Unit: USD million

2007 2008 2009 2010 2011

12,000

10,000

8,000

6,000

4,000

2,000

0

2. cREdiTAs 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 ECONOMIC SECTORS

Households and Individuals Enterprises

VND billion 211,964 231,512

Percentage (%) 47.8% 52.2%

By LOAN TERMS

Short term Medium and long term

Percentage (%) 63.5% 36.5%

Short-term

Foreign currencies

Households and Individuals

Enterprises

Medium and long term

By CURRENCIES

VND Foreign currencies

VND billion 409,157 34,319

Percentage (%) 92.26% 7.74%Short-term

Foreign currencies

Households and Individuals

Enterprises

Medium and long term

Short-term

Foreign currencies

Households and Individuals

Enterprises

Medium and long term

4. fOREiGN BuSiNESS4.1. International paymentIn 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 GSM-102 program (export credit guarantee program of the U.S. Department of Agriculture) with a USD

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 GSM-102 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

3. dOMESTic pAyMENTIn 2011, Agribank’s 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.

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.

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Page 10: Agribank Annual Report 2011

2007

Import

2008 2009 2010 2011

30,000

25,000

20,000

15,000

10,000

5,000

0

Export

cross border payment turnover period 2007-2011

Unit: VND billion

2007 2008 2009 2010 2011

1,200

1,000

800

600

400

200

0

overseas remittance volume From 2007-2011

Unit: million USD

2009

300,000

250,000

200,000

150,000

100,000

50,000

02010 2011

Foreign currency trading volume

Unit: VND billion

by 15.5%; the import payment was USD 3,865 million, decreased by 8.3%. Although the import-export 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.

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.

4.3. Money market business2011 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

4.4. Border payment businessAgribank 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, Agribank’s 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 non-interest 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 RemittanceAs 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.

4.6. Receipt and implementation of foreign projectsImplementing 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.

solutions to cope with difficulties. Agribank’s 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.

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Page 11: Agribank Annual Report 2011

number oF cards issued period 2007- 2011

2007 2008 2009 2010 2011

9,000,000

8,000,000

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

2007 2008 2009 2010 2011

6,000

5,000

4,000

3,000

2,000

1,000

0

Number of ATMs EDCs

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).

5. Card Business development

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

6. pROducTS ANd SERVicESAgribank 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 Agribank’s 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.

7. RiSk MANAGEMENT

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 inter-branch 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.

8. iNfORMATiON TEchNOlOGyAgribank 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.

2011, Agribank installed 400 ATMs and 1,811 EDCs, bringing the total number of ATMs and card-accepting 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 bank’s type I and II branches with a view to save time in settling customer’s claims and cost for the bank.

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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, Agribank’s 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.

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 & dEVElOpMENTAgribank is the commercial bank having the largest number of employees in Vietnam’s 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.

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Business with the best products and services in 2011

Straight Through Processing Award

Vietnam’s Top 500 Largest Enterprises (VNR 500)

Excellence in bank card operations

Highly Automatic Straight Through Processing Award

aWaRdS ACHIEVED IN 2011

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Page 14: Agribank Annual Report 2011

ORGANIzATIONAL STRUCTUREBOaRd Of dIRECTORS

Of agRIBaNk

Mr. hoang Anh TuanMember of Board of Directors

Mr. Vo hongMember of Board of Directors

Mr. Nguyen huu luongMember of Board of Directors

Mr. pham Ngoc NgoanMember of Board of Directors

Mr. Nguyen xuan dongMember of Board of Directors

Mr. Nguyen Ngoc BaoChairman of Board of Directors

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Page 15: Agribank Annual Report 2011

Mr. dang Van QuangDeputy General Director

Mr. Vu Minh TanDeputy General Director

Ms. le Thi Thanh hangDeputy General Director

Mr. Nguyen Quoc hungDeputy General Director

Mr. Trinh Ngoc khanhDeputy General Director

Mr. Nguyen Tien dongDeputy General Director

ORGANIzATIONAL STRUCTUREBOaRd Of maNagEmENT

Mr. kieu Trong TuyenDeputy General Director in charge

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Page 16: Agribank Annual Report 2011

BOaRd Of dIRECTORS

gENERal dIRECTOR

Functional departments

transaction offices type iii branches

transaction offices

branches

overseas branch

operations center

type i, type ii branches

represent- ative oFFices

administr- ative entities subsidiaries

secretariat to bod

risK management committee

supervisory board

deputy general directorschieF accountant internal control

& audit system

overall structureOF THE VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

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Page 17: Agribank Annual Report 2011

fINaNCIal STaTEmENTS 2011FOR THE YEAR ENDED 31 DECEMBER 2011

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Page 18: Agribank Annual Report 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

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

Unit: VND million

2011 2010

Prepared by

Mr. le van hungDeputy ManagerFinance and AccountingDepartament

Approved by

Mr. nguyen Quang thaiCheif Accountant

Approved by

Mr. Kieu trong tuyenExecutive Deputy GeneralDirector

Prepared by

Mr. le van hungDeputy ManagerFinance and AccountingDepartament

Approved by

Mr. nguyen Quang thaiCheif Accountant

Approved by

Mr. Kieu trong tuyenExecutive Deputy GeneralDirector

Unit: VND million

2011 2010

2,279,872

-

(609,913)

152,478

(457,435)

1,822,437

2,568,155

-

651,508

(162,877)

488,631

3,056,786

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 thecomprehensive income

Other comprehensive income/(loss), net of tax

comprehensive income for the year

(*) Refer to the Consolidated Statement of Changes in Owner ,s Equity

cONSOlidATEd iNcOME STATEMENTFOR THE yEAR ENDED 31 DECEMBER 2011

cONSOlidATEd cOMpREhENSiVE iNcOME STATEMENTFOR THE yEAR ENDED 31 DECEMBER 2011

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Page 19: Agribank Annual Report 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 NON-cONTROlliNG 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

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

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

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

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

Unit: VND million

31/12/2011 31/12/ 2010

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

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

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

Unit: VND million

31/12/2011 31/12/ 2010

Prepared by

Mr. le van hungDeputy ManagerFinance and AccountingDepartament

Approved by

Mr. nguyen Quang thaiCheif Accountant

Approved by

Mr. Kieu trong tuyenExecutive Deputy GeneralDirector

cONSOlidATEd STATEMENT Of fiNANciAl pOSiTiONAS AT 31 DECEMBER 2011

cONSOlidATEd STATEMENT Of fiNANciAl pOSiTiON(continued)

AS AT 31 DECEMBER 2011

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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 changesin operating assets and liabilities

(Increase)/decrease in operating assets

(Increase)/Decrease in due from banks

(Increase)/Decrease in trading securities, available-for-sale 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 Governmentand the SBV

(Increase)/Decrease in due to banks

(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

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)

Unit: VND million

31/12/2011 31/12/ 2010

(1,408,305)

8,785

-

-

76,215

-

(1,323,305)

-

(53,497)

(8,142)

(61,639)

18,876,969

39,963,039

-

58,840,008

(1,790,781)

11,073

(5,073)

(8,040)

6,440

30,540

(1,755,841)

9,803,000

(15,431)

(482)

9,787,087

(4,047,359)

44,010,398

-

39,963,039

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

Unit: VND million

31/12/2011 31/12/ 2010

Prepared by

Mr. le van hungDeputy ManagerFinance and AccountingDepartament

Approved by

Mr. nguyen Quang thaiCheif Accountant

Approved by

Mr. Kieu trong tuyenExecutive Deputy GeneralDirector

cONSOlidATEd cASh flOW STATEMENTFOR THE yEAR ENDED 31 DECEMBER 2011

cONSOlidATEd cASh flOW STATEMENT(continued)

FOR THE yEAR ENDED 31 DECEMBER 2011

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BuSINESS ORIENTATION 2012

1. OVERall gOalS

Agribank is Vietnam’s 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 Target (compared with 2011)

Fund resources Increase by 10% - 12%

Outstanding loans Increase by 8% - 10%

Medium&Long-term outstanding loans /Total outstanding loans

Maximum 40%

Loan proportion for agriculture and rural areas 70% of loan portfolio

Non Performing Loans Less than 6%

Non-interest income Increase by 25-30%

Before-tax profit Increase by 5%

Employee income 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.

Implement rigorous Agribank restructuring plan when approved by the Government.

Investigate innovative business management models towards improving the bank’s 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 bank’s position and competitiveness.

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OPERATING

NETWORk

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HO CHI mINH CITy aREaSAi 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 ciTy2A Pho Duc Chinh Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City

MAc Thi BuOi45A,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 GON131A, Area 1, Le Van Khuong Street, Hiep Thanh Ward, District 12, Ho Chi Minh City

NAM SAi GON18Bis 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 lON43 Hai Thuong Lan Ong Street, Ward 10, District 5, Ho Chi Minh City

nam hoa241 Hau Giang Street, Ward 5, District 6, Ho Chi Minh City.

phu NhuAN135A Phan Dang Luu Street, Ward 2, Phu Nhuan District, Ho Chi Minh City.

hOc MONSo 12 Ly Thuong Kiet Street, Hoc Mon town, Hoc Mon District, Ho Chi Minh City.

BAc SAi GON101 Ha Huy Giap Street, Thanh Loc Ward, District 12, Ho Chi Minh City

diSTRicT 1428 Vo Van Kiet Street, Co Giang Ward, District 1, Ho Chi Minh City.

BRANch 3596A 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 4Ground to 2nd floor, H2 Hoang Dieu Street, Ward 8, District 4, Ho Chi Minh City

BRANch 8368-370 Tung Thien Vuong Street, Ward 13, District 8, Ho Chi Minh City

BRANch 10326 Nguyen Chi Thanh Street, Ward 5, District 10, Ho Chi Minh City.

GiA diNh22 Quang Trung Street, Ward 11, Go Vap District, Ho Chi Minh City

BiNh TAN676 Kinh Duong Vuong Street, An Lac Ward , Binh Tan District, Ho Chi Minh City

NhA BE18 Huynh Tan Phat Street, Nha Be town, Nha Be District, Ho Chi Minh City

ly ThuONG kiET90 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 SON26 Truong Son Street, Ward 2, Tan Binh District, Ho Chi Minh City.

TAN TAO iNduSTRiAl zONERoad 2, Lot 2-4 Tan Tao Industrial Zone, Binh Tan District, Ho Chi Minh City

AN phu472-476 Cong Hoa Street, Tan Binh District, Ho Chi Minh City

AN SuONG66/7, 22 National Road, Dong Lan Hamlet, Ba Diem Commune, Hoc Mon District, Ho Chi Minh City

BiNh chANhE6/36 Nguyen Huu Tri Street, Binh Chanh District, Ho Chi Minh City

BiNh ThANh347-349-351 Dien Bien Phu Street, Ward 15, Binh Thanh District, Ho Chi Minh City

cAN GiOLuong Van Nho Street, Can Thanh town, Can Gio District, Ho Chi Minh City

BRANch 11485 Lac Long Quan Street, Ward 5, District 11, Ho Chi Minh City

BRANch 948 Le Van Viet Street, District 9, Ho Chi Minh City

my thanh639 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 ciTy131, 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 dONG107 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 kiENNL03-05 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 5156 Tran Phu Street, Ward 9, District 5, Ho Chi Minh City

TAN BiNh1200 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 phu126 Thoai Ngoc Hau Street, Phu Tho Hoa Ward, Tan Phu District , Ho Chi Minh City

ThANh dO56-58-60 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 A2025/2A National Road 1A, Area 2, Dong Hung Thuan Ward, District 12, Ho Chi Minh City.

Ha NOI aREaTRuNG 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

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 ANBuilding 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 dO36 Nguyen Co Thach Street, My Dinh New Urban Area, My Dinh Commune, Tu Liem District, Ha Noi

OpERATiONS cENTREFloor 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

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Page 24: Agribank Annual Report 2011

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

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 lANo 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

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 cityTan 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 districtyen Binh town, yen Binh district, yen Bai province

luc yen districtyen The town, Luc yen district, yen Bai province

tran yen districtWard no 6, Co Phuc town, Tran yen district, yen Bai province

van yen districtWard no 3, Mau A town, Van yen district, yen Bai province

van chan districtSon Thinh commune, Van Chan district, yen Bai province

nghia lo townTan An ward, Nghia Lo town, yen Bai province

mu cang chai districtMu Cang Chai town, Mu Cang Chai district, yen Bai province

tram tau districtTram Tau town, Tram Tau district, yen Bai province

ThAi NGuyENNo 279, Thong nhat road, Gia Sang ward, Thai Nguyen City, Thai Nguyen province

thai nguyen cityNo 10, Cach Mang Thang 8 Road, Thai Nguyen City, Thai Nguyen province

dong hy districtChua Hang town, Dong Hy district, Thai Nguyen province

pho yen districtBa Hang town, Pho yen district, Thai Nguyen province

phu binh districtHuong Son town, Phu Binh district, Thai Nguyen province

phu luong districtDu town, Phu Luong district, Thai Nguyen province

dai tu district Dai Tu town, Dai tu district, Thai Nguyen province

vo nhai districtDinh Ca town, Vo Nhai district, Thai Nguyen province

dinh hoa districtCho Chu town, Dinh Hoa district, Thai Nguyen province

song cong townCach mang thang 10 Road, Song Cong town, Thai Nguyen province

song cau No 138, Hoang Van Thu, Thai Nguyen City, Thai Nguyen province

bac giangNo 45 Ngo Gia Tu road, Bac Giang City, Bac Giang province

luc ngan districtChu town, Luc Ngan district, Bac Giang province

luc nam districtDoi Ngo town, Luc Nam district, Bac Giang province

son dong districtAn Chau town, Son Dong district, Bac Giang province

yen the districtCau Go town, yen The district, Bac Giang province

bo ha Bo Ha town, yen The district, Bac Giang province

hiep hoa districtZone 2 Thang town, Hiep Hoa district, Bac Giang province

lang giang districtVoi town, Lang Giang district, Bac Giang province

tan yen districtPho moi, Cao Thuong town, Tan yen district, Bac Giang province

viet yen districtBich Dong town,Viet yen district, Bac Giang province

bac giang cityNo 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 zoneDinh Tram industrial zone, Viet yen district, Bac Giang province

yen dung districtNeo town, yen Dung district, Bac Giang province

MONG cAi ciTyNo 24 Chu Van An street, Hoa Lac ward, Mong Cai City, Quang Ninh province

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QuANG NiNhNo 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 cityGroup 41, Ba Trieu, Cam Dong ward, Cam Pha city, Quang Ninh province

bai chay zoneZone 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 district211, 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 townNo 1, Ngo Quyen street, Quang yen ward, Quang yen town, Quang Ninh province

hoanh bo districtZone 4 Troi town, Hoanh Bo District, Quang Ninh province

tien yen districtNo 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 phaGroup 48D, zone 6, Cam Thanh ward, Cam Pha City, Quang Ninh province

van don districtZone 5 Cai Rong Town, Van Don District, Quang Ninh province

co to districtZone 2, Co To Town, Co To District, Quang Ninh province

hai ha districtNo 18 Ly Thuong Kiet Street, Hai Ha District, Quang Ninh province

dam ha districtLe Luong Street, Dam Ha Town, Dam Ha District, Quang Ninh province

binh lieu districtBinh Quyen zone, Binh Lieu Town, Binh Lieu District, Quang Ninh province

ba che districtZone 1, Ba Che Town, Ba Che District, Quang Ninh province

hOA BiNhNo. 751 Cu Chinh Lan, Phuong Lam, Hoa Binh City, Hoa Binh Province

luong son districtSub zone 12, Luong Son Town, Luong Son District, Hoa Binh Province

da bac districtLien Phuong Sub zone, Da Bac, Da Bac District, Hoa Binh Province

lac son districtDoc Lap Street, Vu Ban Town, Lac Son District, Hoa Binh Province

Ky son districtQuarter 1, Ky Son Town, Ky Son District, Hoa Binh Province

mai chau districtSub zone 2, Mai Chau Town, Mai Chau District, Hoa Binh Province

Kim boi districtThong Nhat Zone, Bo Town, Kim Boi District, Hoa Binh Province

tan lac districtZone 3, Muong Khen, Tan Lac District, Hoa Binh Province

yen thuy districtZone 8, Hang Tram Town, yen Thuy, Hoa Binh Province

lac thuy districtZone2, Chi Ne Town, Lac Thuy District, Hoa Binh Province

cao phong districtZone 2, Cao Phong Town, Cao Phong District, Hoa Binh Province

phuong lamCommercial 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 ThOTran 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 districtDoan Hung Town, Doan Hung District, Phu Tho Province

thanh ba districtThanh Ba Town, Thanh Ba District, Phu Tho Province

phu tho townTruong Thinh Ward, Phu Tho Town, Phu Tho Province

ha hoa districtHa Hoa Town, Ha Hoa District, Phu Tho Province

cam Khe districtZone 6- Song Thao Town, Cam Khe District, Phu Tho Province

tam nong districtHung Hoa Town, Tam Nong District, Phu Tho Province

lam thao districtLam Thao Town, Lam Thao District, Phu Tho Province

thanh son districtThanh Son Town, Thanh Son District, Phu Tho Province

tan son districtTan Phu, Thanh Son District, Phu Tho Province

yen lap districtyen Lap Town, yen Lap District, Phu Tho Province

thanh thuy districtLa Phu, Thanh Thuy District, Phu Tho Province

phu ninh districtPhong Chau Town, Phu Ninh District, Phu Tho Province

ThANh hOA12 Phan Chu Trinh, Thanh Hoa city, Thanh Hoa Province.

thanh hoa city11, 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 districtCanh Nang Town, Ba Thuoc District, Thanh Hoa Province

cam thuy districtCam Thuy Town, Cam Thuy District, Thanh Hoa Province

nga son districtNga Son Town, Nga Son District, Thanh Hoa Province

ha trung districtHa Trung Town, Ha Trung District, Thanh Hoa Province

thach ban districtKim Tan Town, Thach Ban District, Thanh Hoa Province

vinh loc districtVinh Loc Town, Vinh Loc District, Thanh Hoa Province

lang chanh districtLang Chanh Town, Lang Chanh District, Thanh Hoa Province

ngoc lac districtNgoc Lac Town, Ngoc Lac District, Thanh Hoa Province

tho Xuan districtTho Xuan Town, Tho Xuan District, Thanh Hoa Province

yen dinh districtQuan Lao Town, yen Dinh District, Thanh Hoa Province

lam son No 2 Lot Lam Son Town, Tho Xuan District, Thanh Hoa Province

hau loc districtHau Loc Town, Hau Loc District, Thanh Hoa Province

thuong Xuan districtThuong Xuan Town, Thuong Xuan District, Thanh Hoa Province

trieu son districtTrieu Son Town, Trieu Son District, Thanh Hoa Province

dong son districtRung Thong Town, Dong Son District, Thanh Hoa Province

hoang hoa districtBut Son Town, Hoang Hoa District, Thanh Hoa Province

Quang Xuong districtQuang Xuong Town, Quang Xuong District, Thanh Hoa Province

nhu Xuan districtyen Cat Town, Nhu Xuan District, Thanh Hoa Province

nong cong districtNong Cong Town, Nong Cong District, Thanh Hoa Province

tinh gia districtTinh Gia Town, Tinh Gia District, Thanh Hoa Province

Quan hoa districtQuan Hoa Town, Quan Hoa District, Thanh Hoa Province

bim son town108 Tran Phu Road, Ba Dinh Ward, Bim Son Town, Thanh Hoa Province

thieu hoa districtVan Ha Town, Thieu Hoa District, Thanh Hoa Province

nhu thanh districtBen Sung Town, Nhu Thanh District, Thanh Hoa Province

nghi son districtNam 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 districtThai Lao Town, Hung Nguyen District, Nghe An Province

nam dan districtNam Dan Town, Nam Dan District, Nghe An Province

thanh chuong districtDung Town, Thanh Chuong District, Nghe An Province

anh son districtAnh Son District, Nghe An Province

do luong districtyen Son Commune, Do Luong District, Nghe An Province

tan Ky districtLat Town, Tan Ky District, Nghe An Province

yen thanh districtyen Thanh Town, yen Thanh District, Nghe An Province

nghi loc districtNghi Trung Commune, Nghi Loc District, Nghe An Province

diem chau districtDiem Chau District, Nghe An Province

Quynh luu districtCau Giat Town, Quynh Luu District, Nghe An Province

thai hoa districtHoa Hieu Ward, Thai Hoa Commune, Hung Nguyen District, Nghe An Province

hung nguyen districtThai Lao Town, Hung Nguyen District, Nghe An Province

hung nguyen districtThai Lao Town, Hung Nguyen District, Nghe An Province

hoang mai Quynh Thien Commune, Quynh Luu District, Nghe An Province

con cuong districtCon Cuong Town, Nghe An Province

tuong duong districtHoa Binh Town, Tuong Duong, Nghe An Province

Quy chau districtQuy Chau Town, Quy Chau District, Nghe An Province

Ky son districtMuong Xen Town, Ky Son District, Nghe An Province

Que phong districtKim 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 townHong Linh District, Ha Tinh Province

can loc districtCan Loc Town, CanLoc District, Ha Tinh Province

nghi Xuan districtNghi Xuan Town, Nghi Xuan District, Ha Tinh Province

vung ang economic ZoneKy Long Commune, Ky Anh District, Ha Tinh Province

huong KhedistrictHuong Khe Town, Huong Khe District, Ha Tinh Province

huong son districtPho Chau Town, Huong Son District, Ha Tinh Province

tay son Tay Son Town, Huong Son District, Ha Tinh Province

ductho districtDuc Tho Town, Duc Tho District, Ha Tinh Province

thach ha districtThach Ha Town, Thach Ha District, Ha Tinh Province

loc ha districtLoc Ha Town, Loc Ha District, Ha Tinh Province

Ky anh districtKy Anh Town, Ky Anh District, Ha Tinh Province

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Page 26: Agribank Annual Report 2011

voi Ky Tien Commune, Ky Anh District, Ha Tinh Province

cam Xuyen districtCam Xuyen Town, Cam Xuyen District, Ha Tinh Province

vu Quang districtVu 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 KietNo.126, Ly Thuong Kiet, Dong Hoi City, Quang Binh Province

tran hung dao39 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 districtLien Thuy Commune, Le Thuy District, Quang Binh Province

Quang ninh districtQuan Hau Town, Quang Ninh District, Quang Binh Province

bo trach districtHoan Lao Town, BoTrach District, Quang Binh Province

Quang trach districtBa Don Town, Quang Trach District, Quang Binh Province

tuyen hoa districtDong Le Town, Tuyen Hoa District, Quang Binh Province

minh hoa districtQuy 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 districtHo Xa Town, Vinh Linh District, QuangTri Province

gio linh districtNational Road no.I- Gio Linh Town, Gio Linh District, QuangTri Province

cam lo districtKm 12 National Road no. 9- Cam Lo Town, Cam Lo District, Quang Tri Province

da Krong districtkm 41 National Road no. 9-Krong Klang Town, Da Krong District, Quang Tri Province

huong hoa districtKm 63, National Road no. 9, Khe Sanh Town, Huong Hoa District, Quang Tri Province

lao bao No.5, Ly Thuong Kiet Street, Lao Bao Town- Huong Hoa, Quang Tri Province

trieu hai area297 Tran Hung Dao, Quang Tri Town, Quang Tri Province.

hai lang districtNo. 01, Hung Vuong Street, Hai Lang Town, Hai Lang District, Quang Tri Province

trieu phong districtAi tu Town, Trieu Phong District, Quang Tri Province.

ThuA ThiEN huE10 Hoang Hoa Tham, Vinh Ninh Ward, Hue City, Thua Thien Hue Province

nam song huong72 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 huong139-141 Tran Hung Dao, Hue City, Thua Thien Hue Province

phong dien districtPhong Dien Town, Phong Dien District, Thua Thien Hue Province

Quang dien districtSia Town , Quang Dien District, Thua Thien Hue Province

huong tra district119 Cach mang Thang 8, Tu Ha Ward, Huong Tra Town, Thua Thien Hue Province

phu vang districtPhu Da Commune, Phu Vang District, Thua Thien Hue Province

huong thuy district379 Nguyen Tat Thanh, Phu Bai Ward, Huong Thuy Town, Thua Thien Hue Province

phu loc districtZone No. 1 Phu Loc Town, Phu Loc District, Thua Thien Hue Province

nam dong districtZone No. 2, Khe Tre Town, Nam Dong District, Thua Thien Hue Province

a luoi districtA Luoi Town , A Luoi District, Thua Thien Hue Province

REd RIVER dElTahAi phONG ciTy283 Lach Tray- quan Ngo Quyen, Hai Phong City

hai an districtNgo Gia Tu and Le Hong Phong Road Intersection, Hai Phong City

hong bang districtNo.4 Ha Noi Street, Thuong Ly, Hong Bang District, Hai Phong City

Kien an district95 Tran Thanh Ngo, Kien An District, Hai Phong City

le chan district393 To Hieu, Le Chan District, Hai Phong City

ngo Quyen district276 A- Da Nang- Ngo Quyen District, Hai Phong City

an duong districtAn Duong, An Duong District, Hai Phong City

an lao districtAn Lao Town, An Lao District, Hai Phong City

Kien thuy districtNo 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 districtNui 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 districtTien 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 ZoneCat 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 KinhKm 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 districtArea II, Vinh Tuong Town, Vinh Tuong District, Vinh Phuc Province

tho tang Tho Tang Town, Vinh Tuong District, Vinh Phuc Province

yen lac districtDoai Village, yen Lac Town, yen Lac District, Vinh Phuc Province

lap thach districtLap Thach Town, Vinh Phuc Province

tam duong districtHop Hoa Town, Tam Duong District, Vinh Phuc Province

tam dao district Hop Chau Commune, Tam Dao District, Vinh Phuc Province

binh Xuyen districtArea I, Huong Canh Town, Binh Xuyen, Vinh Phuc Province

song lo districtTam 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 duONGNo. 4 Le Thanh Nghi Street, Pham Ngu Lao Ward, Hai Duong City, Hai Duong Province

hai duong cityNo.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 BiNh150 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 diNhNo. 45 Bach Dang, Nam Dinh City, Nam Dinh Province

nam dinh city304 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 districtCat Thanh Town, Truc Ninh District, Nam Dinh Province

nghia hung districtLieu 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 diNhLot 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 BiNhTan Thanh Ward, Ninh Binh City, Ninh Binh Province

ninh binh cityThanh Binh Ward, Ninh Binh City, Ninh Binh Province

song van Thanh Binh Ward, Ninh Binh City, Ninh Binh Province

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Page 27: Agribank Annual Report 2011

gia vien Me Town, Gia Vien District, Ninh Binh Province

gian Khau ZoneGia 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 ZoneBinh 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 city122, 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

Kim dong Luong Bang Town, Kim Dong District, Hung yen Province

Khoai chau districtKhoai Chau Town, Khoai Chau District, Hung yen Province

phu cu districtTran Cao Town, Phu Cu District, Hung yen Province

yen my districtTan Lap Commune, yen My District, Hung yen Province

van giang districtVan Giang Town, Van Giang District, Hung yen Province

My hAO Ban Town, yen Nhan, My Hoa District, Hung yen Province

van lam districtNhu Quynh Town, Van Lam District, Hung yen Province

minh duc industrial Zone Minh Duc Commune, My Hao District, Hung yen Province

BAc NiNh37 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 districtThua Town, Luong Tai District, Bac Ninh Province

gia binh districtGia Binh Town, Gia Binh District, Bac Ninh Province

thuan thanh districtHo Town, Thuan Thanh District, Bac Ninh Province

Que vo districtPho Moi Town, Que Vo District, Bac Ninh Province

tien du districtLim Town, Tien Du District, Bac Ninh Province

yen phong districtCho 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

hà 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 districtHoa Mac Town, Duy Tien District, Ha Nam Province

dong van Dong Van Town, Duy Tien District, Ha Nam Province

ly nhan districtVinh 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 districtQue 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 districtBinh My Town, Binh Luc District, Ha Nam Province

ngoc lu Ngoc Lu Commune, Binh Luc District, Ha Nam Province

thanh liem districtThanh 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

WEST aNd EaST Of SOuTHERN REgIONdONG 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

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 district157 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 districtHiep 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

BìNh dươNG 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 zONE6A 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 cầu voi 6 Village, Nhi Thanh Commune, CauVoi Town, Thu Thua District, Long An Province

area gò Đen National Road 1A, Area1, ChoVillage, Phuoc Loi Commune, Ben Luc District, Long An Province

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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 GiANG31 Le Loi Street, Ward I, My Tho city, Tien Giang province

go cong town04 Truong Dinh, Go Cong Town, Tien Giang Province

go cong dong district55 Duong Phu Quarter, Tan Hoa, Go Cong Dong district, Tien Giang province

go cong tay districtAp Bac, Vinh Binh town, Go Cong Tay District, Tien Giang Province

cho gao district84 Lot 2, Zone 1 Cho Gao Town, Cho Gao District, Tien Giang Province

chau thanh districtAp Ca, Tan Hiep commune, Chau Thanh district, Tien Giang province

cai lay districtZone 5 Cai Lay Town, Cai Lay District, 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 ZoneNo.71, Binh Tao A Village, Trung An Commune, My Tho city, Tien Giang Province

tan phuoc districtZone IV My Phuoc Town, Tan Phuoc district, Tien Giang province

tan phu dong districtTan 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 districtQuarter 3, Chau Thanh Town, Chau Thanh district, Ben Tre Province

binh dai districtNo. 266, 30/4 Street, Quarter 2, Binh Dai Town, Binh Dai district, Ben Tre Province

giong trom districtBinh 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 districtNo.6 National Road 60, Quarter 2, Mo Cay Town, Mo Cay Nam district, Ben Tre

cho lach district195/18B Quarter 2, Cho Lach town, Cho Lach District, Ben Tre Province

thanh phu district215/3 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 city14 Hung Vuong Street, Ward 1, Vinh Long City, Vinh Long Province

long ho districtArea 5, Long Ho Town, Long Ho District, Vinh Long Province

hoa phu industrial ZonePhuoc Long Village, Loc Hoa Commune, Long Ho District, Vinh Long Province

mang thit districtArea 1, Cai Nhim town, Mang Thit District, Vinh Long Province

vung liem districtArea 2- Vung Liem town, Vung Liem District, Vinh Long Province

binh minh district165/15 Area 1 - Ngo Quyen - Cai Von Town, Binh Minh District, Vinh Long Province

binh tan districtTan Thuan Village, Tan Quoi Commune, Binh Tan District, Vinh Long Province

tam binh districtArea 2 - Tam Binh Town, Tam Binh district, Vinh Long Province

tra on district30B 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 districtCai Tau Ha Town, Chau Thanh district, Dong Thap province

lai vung districtLai Vung town, Lai Vung district, Dong Thap province

lap vo districtLap Vo town, Lap Vo district, Dong Thap province

cao lanh districtMy Tho Town, Cao Lanh district, Dong Thap province

thap muoi districtAn My town, Thap Muoi district, Dong Thap province

thanh binh districtThanh Binh Town, Thanh Binh district, Dong Thap province

tam nong districtTram Chim town, Tam Nong district, Dong Thap province

hong ngu town240 Ly Thuong Kiet Street, An Thanh Ward, Hong Ngu Town, Dong Thap province

tan hong districtSarai 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 districtLot L03.08-09, Ngan Thuan residential Zone, Le Hong Phong Street, Binh Thuy Ward, Binh Thuy District, Can Tho City

cai rang district106/4 Vo Tanh Street, Cai Rang District, Can Tho City

o mon districtNational Road 91, Zone 10, Chau Van Liem Wart, O Mon District, Can Tho City

thot not district99 Nguyen Thai Hoc Street, Thot Not Ward, Thot Not District, Can Tho City

co do districtCo Do Town, Co Do district, Can Tho City

vinh thanh district2983 Trung An Town, Vinh Thanh District, Can Tho City

thoi lai district298 Thoi Lai town, Thoi Lai District, Can Tho CityPhong Dien DistrictNhon 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 city42-44-46 Hai Ba Trung Street, My Long, Long Xuyen City, An Giang province

chau doc town24-26 Quang Trung Street, Chau Phu B, Chau Doc Town, An Giang province

chau thanh districtNational Road 91, An Chau Town, Chau Thanh district, An Giang province

chau phu districtNational Road 91, Cai Dau town. Chau Phu district, An Giang province

cho moi district10 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 districtPhu My town, Phu Tan district, An Giang province

cho vam Phu Xuong ward, Cho Vam town, Phu Tan district, An Giang province

tan chau town215 Tran Hung Dao, Long Thanh Ward, Tan Chau, An Giang province

tinh bien districtHoa Thuan ward, Nha Bang, Tinh Bien district, An Giang province

chi lang Chi Lang Town, Tinh Bien district, An Giang province

tri ton district63 Tran Hung Dao Street, Tri Ton Town, Tri Ton district, An Giang province

thoai son district453 Nguyen Hue, Nui Sap town, the Thoai Son, An Giang province

an phu district12 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 lac166 Nguyen Trung Truc, Rach Gia City, Kien Giang Province

an bien districtNational Road 63, Zone 3, the 3rd town, district An Bien, Kien Giang

an minh districtZone II - 11th Town An Minh district, Kien Giang

chau thanh districtMinh Luong town, Chau Thanh district, Kien Giang Province

giong rieng districtZone 3 - Giong Rieng town, Giong Rieng, Kien Giang

go Quao districtPhuoc Hung 1 Village, Go Quao town, Go Quao districts, Kien Giang Province

Kien luong districtKien Luong town, Kien Luong district, Kien Giang Province

hon dat districtHon Dat town, Hon Dat District, Kien Giang Province

Kien hai districtVillage 1, Hon Tre and Kien Hai District, Kien Giang Province

tan hiep districtB-Town Tan Hiep, Tan Hiep district, Kien Giang

vinh thuan districtVinh 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 districtArea 1, The Coastal Town, Duyen Hai district, Tra Vinh

chau thanh districtArea 2, Chau Thanh town, Chau Thanh district, Tra Vinh

tra cu district Area 5, Tra Cu town, Tra Cu district, Tra Vinh

tieu can district02 Area 1, Tieu town, Tieu Can district, Tra Vinh

cau Ke districtCau Ke Town, Cau Ke district, Tra Vinh

cang long districtArea 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 districtCau Ngang Town, Cau Ngang, Tra Vinh

soc trang 20B Tran Hung Dao Street, Ward 2-Soc Trang city - Soc Trang Province

soc trang cityNo. 4, Tran Hung Dao Street, Ward 2, Soc, Soc Trang

my Xuyen districtNo. 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 districtNo. 02, 3/2, An Thanh Village, Ke Sach town, Ke Sach District, Soc Trang

thanh tri district278 Tran Hung Dao Street, 1 ward, Phu Loc Town, Thanh Tri district, Soc Trang province

vinh chau town45C, Nguyen Hue Street, Area 1, Ward 1, Vinh Chau Town, Soc Trang province

nga nam districtMai Thanh The, Village 1, Nga Nam Town, Nga Nam district, Soc Trang province

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long phu districtNo 9, Doan The Trung, Village 3, Long Phu town, Long Phu District, Soc Trang

cu lao dung districtNo. 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 district151 (National Road 1), Tra Quyt A Village, Chau Thanh Town, Chau Thanh district, Soc Trang province

tran de districtCho 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 district308 Ngo Quoc Tri Road - Village 3 - Nang Mau Town, Vi Thuy District, Hau Giang Province

long my districtNo. 31 - 3/2, Village 2, Long My Town, Long My District, Hau Giang

nga bay townNo. 70, Zone 1, Nga Bay ward, Nga Bay Town, Hau Giang

phung hiep districtNo. 588 - My Loi Village, Cay Duong Town, Phung Hiep District, Hau Giang Province

chau thanh districtNo. 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 districtA Town Village, Hoa Binh Town, Hoa Binh District, Bac Lieu Province

phuoc long districtHanh Chinh Village, Phuoc Long Town, Phuoc Long District, Bac Lieu Province

gia rai districtVillage 1, Ho Phong Town, Gia Rai District , Bac Lieu Province

hong dan districtNoi O Village, Ngan Dua Town, Hong Dan District, Bac Lieu Province

dong hai districtVillage 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 districtCai Nuoc Town, Cai Nuoc District, Ca Mau Province

thoi binh districtThoi Binh Town, Thoi Binh District, Ca Mau Province

dam doi districtDam Doi Town, Dam Doi District, Ca Mau Province

u minh districtU Minh Town, U Minh District, Ca Mau Province

ngoc hien districtTan An, Ngoc Hien District , Ca Mau Province

tran van thoi district Tran Van Thoi Town, Tran Van Thoi District, Ca Mau Province

nam can districtNam Can Town, Nam Can District, Ca Mau Province

phu tan district Cai Doi Vam Town, Phu Tan District, Ca Mau Province

CENTRal COaSTal aREa - CENTRal HIgHlaNddA 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

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 zoneDien 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 districtTra Mai Commune, Nam Tra My District, Quang Nam Province

tay giang districtA Tieng Commune, Tay Giang District, Quang Nam Province

phu ninh districtTan 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 districtVan Canh Town, Van Canh District, Binh Dinh Province

vinh thanh districtVinh Thanh Town, Vinh Thanh District, Binh Dinh Province

an lao districtAn Hoa Commune, An Lao District, Binh Dinh Province

Quy nhon city44 Le Thanh Ton Street, Quy Nhon City, Binh Dinh Province

tuy phuoc district285 Dao Tan Street, Tuy Phuoc Town, Tuy Phuoc District, Binh Dinh Province

an nhon town418 Tran Phu Street, Binh Dinh Ward, An Nhon Town, Binh Dinh Province

tay son district09 Quang Trung Street, Phu Phong Town, Tay Son District, Binh Dinh Province

phu cat district47 3-2 Road, Ngo May Town, Phu Cat District, Binh Dinh Province

phu my districtThanh Nien Road, Phu My Town, Phu My District, Binh Dinh Province

hoai nhon district02 Hai Ba Trang Trung Street, Bong Son Town, Hoai Nhon District, Binh Dinh Province

hoai an district136 Nguyen Tat Thanh Street, Tang Bat Ho Town, Hoai An District, Binh Dinh Province

phu tai industrial zoneZone 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 city47 Hung Vuong Avenue, Quang Ngai City, Quang Ngai Province

ba to districtBa To Town, Ba To District, Quang Ngai Province

binh son districtChau 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 districtSon Tinh Town, Son Tinh District, Quang Ngai Province

tu nghia districtLa Ha Town, Tu Nghia District, Quang Ngai Province

mo duc districtMo Duc Town, Mo Duc District, Quang Ngai Province

duc pho districtDuc Pho Town, Duc Pho District, Quang Ngai Province

sa huynh Pho Thanh Commune, Duc Pho District, Quang Ngai Province

nghia hanh districtCho Chua Town, Nghia Hanh District, Quang Ngai Province

minh long Long Hiep Commune, Minh Long District, Quang Ngai Province

son ha districtDi Lang Town, Son Ha District, Quang Ngai Province

tra bong districtTra 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 city402 Nguyen Van Linh Street, Phu Lam Ward, Tuy Hoa City, Phu yen Province

son hoa district33 Nguyen Thi Minh Khai Street, Cung Son Town, Son Hoa District, Phu yen Province

song hinh district13 Tran Hung Dao Street, Hai Rieng Town, Song Hinh District, Phu yen Province

dong Xuan districtTran Phu Road, La Hai Town, Dong Xuan District, Phu yen Province

tuy an district312 National Road 1A, Chi Thanh Town, Tuy An District, Phu yen Province

song cau townHung Vuong Road, Xuan Phu Ward, Song Cau Town, Phu yen Province

dong hoa districtHamlet 3, Hoa Vinh Commune, Dong Hoa District, Phu yen Province

tay hoa districtPhu Thu, Hoa Binh II Commune, Tay Hoa District, Phu yen Province

phu hoa districtDinh 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 districtTo Hap Town, Khanh Son District, Khanh Hoa Province

Khanh vinh district11 2/8 Road, Khanh Vinh Town, Khanh Vinh District, Khanh Hoa Province

nha trang city161 Thong Nhat Road, Nha Trang City, Khanh Hoa Province

Xom moi market106 Ngo Gia Tu Street, Nha Trang City, Khanh Hoa Province

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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 cityHung Vuong National Road, Phu Trung commune, Cam Phu District, Cam Ranh city, Khanh Hoa.

dien Khanh district228 Lac Long Quan - Dien Khanh town, Dien Khanh District, Khanh Hoa

ninh hoa town230 Tran Quy Cap, Ninh Hiep ward, Ninh Hoa town, Khanh Hoa

van ninh district389 Hung Vuong - Van Gia town, Van Ninh District, Khanh Hoa

cam lam districtNghia 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 thiet25 Tran Quoc Toan , Phan Thiet city, Binh Thuan

duc linh districtward 9, Duc Tai town, Duc Linh District, Binh Thuan

tanh linh districtLac Tanh town, Tanh Linh District, Binh Thuan

lagi town No 9, Nguyen Hue road, Tan An ward, LaGi town, Binh Thuan

ham tan districtT-junction 46, Tan Nghia town, Ham Tan District, Binh Thuan

ham thuan nam districtKm 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 district586, Ma Lam town, Ham Thuan Bac District, Binh Thuan

bac binh district343 Nguyen Tan Thanh, Cho Lau town, Bac Binh District, Binh Thuan

luong son National Road 1A, KP Luong Nam, Luong Son town, Bac Binh District, Binh Thuan

tuy phong districtRoad 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 districtQuy 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 chamNo. 520 Thong Nhat, Phan Rang city, Thap Cham, Ninh Thuan

ninh son districtTan Son town, Ninh Son District, Ninh Thuan

ninh phuoc districtPhuoc Dan town , Ninh Phuoc District, Ninh Thuan

ninh hai districtKhanh 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 districtDac Po town, Dac Po District, Gia Lai

tra ba 102 Le Duan, Pleiku city, Gia Lai

duc co district364 Quang Trung- Chuty town, Duc Co District, Gia Lai

lapa district Lapa town, Iapa District, Gia Lai

Krongchro district239 Nguyen Hue- Kongchro town, Krongchro District, Gia Lai

dac doa district225 Nguyen Hue- Dac Doa town, Dac Doa District, Gia Lai

mangyang districtTran Hung Dao- KonDong town, Mangyang District, Gia Lai

chuse district729 Hung Vuong- Chu Se town, Chuse District, Gia Lai

Krongpa district20 Tran Hung Dao- Phu Tuc town, Krongpa District, Gia Lai

Kbang district35 Vo Thi sau- Kbang town, Kbang District, Gia Lai

chupah districtHung Vuong- Phu Hoa town, Chupah District, Gia Lai

iagrai district 290 Hung Vuong- Ia Kha town, Iagrai District, Gia Lai

chuprong districtTran Hung Dao - Chuprong town, Chuprong District, Gia Lai

ayunpa town Nguyen Hue- Ayunpa town, Gia Lai

phu thien districtPhu Thien town, Phu Thien District, Gia Lai

chu puh districtNhon Hoa town, Chu Puh District, Gia Lai

kONTuM 88 Tran Phu, Kon Tum city, Kon Tum province

dakglei districtDakGlei town, DakGlei District, KonTum

Kon ray district DakRoVe town, Kon Ray District, KonTum

sa thay district54 Hung Vuong, Sa Thay town, Sa Thay District, Kon Tum

dak to district233 Hung Vuong, Dak To town, Dak To District, KonTum

dak ha district155 Hung Vuong, Dak Ha town, Dak Ha District, KonTum

ngoc hoi district03 Tran Hung Dao, Play Can Town, Ngoc Hoi District, Kon Tum Province

Quyet thang 77A Ngo Quyen, Kon Tum City, Kon Tum Province

Quang trung71C 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 city40,42 Quang Trung, Buon Ma Thuot City, Dak Lak Province

Krong pak districtPhuoc An Town, Krong Pak District, Dak Lak Province

ea phe districtXa Ea Phe, Krong Pak District, Dak Lak Province

Krong bong districtKrong 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 districtM’ Drak District, Dak Lak Province

buon don districtBuon Don District, Dak Lak Province

ea sup districtEa Sup District, Dak Lak Province

Krong ana districtBuon Trap Town, Krong Ana District, Dak Lak Province

cu mgar districtQuang 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 districtDrang 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 trinh05 Phan Chu Trinh, Buon Ma Thuot City, Dak Lak Province

le hong phong227 Le Hong Phong, Buon Ma Thuot City, Dak Lak Province

hoa thang Hoa Thang Commune, Buon Ma Thuot City, Dak Lak Province

no trang longNo 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 hONo 33 - Tran Hung Dao Street, An Lac Ward, Buon Ho District, Dak Lak Province

ea h’leo districtNo 27 - Dien Bien Phu Street - Ea Drang Town - Ea H’leo District, Dak Lak Province

Krong nang districtKrong 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 town23/3 Street, Nghia Trung commune, Gia Nghia town, Dak Nong province

dak r lap districtKien Duc town, Dak R Lap district, Dak Nong province

dak song districtDuc An town, Dak Song district, Dak Nong province

dak mil districtDak Mil town, Dak Mil district, Dak Nong province

dak glong districtQuang Khe commune, Dak Glong district, Dak Nong province

cu Jut districtEa 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 districtDak 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 districtThanh My town, Don Duong district, Lam Dong province

duc trong districtNo. 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 districtNo 960 - Hung Vuong, Di Linh town, Di Linh district, Lam Dong province

hoa ninhHamlet 2 , Hoa Ninh commune, Di Linh district, Lam Dong province

lam ha districtNo.85, Quarter 3 , Dinh Van town, Lam Ha district, Lam Dong province

da huoai districtQuarter 5, MaDaguoi town, Da huoai district, Lam Dong province

da the districtQuarter 6a, Da The town, Dateh district, Lam Dong province

cat tien districtHamlet 2, Phu My, Cat Tien district, Lam Dong province

lac duong districtLac 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 an3 Ward, Loc An commune, Bao Lam district, Lam Dong province

loc thanh 8 ward, Loc Thanh commune, Bao Lam district, Lam Dong province

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NETWORk OF CORRESPONDENT BANKS

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BANK NAME BICCODE BANK NAME BICCODE

NETWORK OF CORRESPONDENT BANKS

I/ASIA: 468 BANKS IN 18 COUNTRIES

1/ BaNgladESH 1 WOORI BANK, DHAKA BRANCH HVBKBDDH2/ CHINa 1 ABN AMRO BANK (CHINA)CO., LTD ABNACNSH2 AGRICULTURAL BANK OF CHINA, BEIJING ABOCCNBJ3 AUSTRALIA AND NEW ZEALAND BANKING GROUP ANZBCNSH4 BANK OF AMERICA N.A, SHANGHAI BOFACN3X5 BANK OF AMERICA N.A, GUANGZHOU BOFACN4X6 BANK OF CHINA,(HEAD OFFICE),BEIJING BKCHCNBJ7 BANK OF MONTREAL, BEIJING BOFMCNBJ8 PING AN BANK CO., LTD, BOFMCN229 BANK OF NANJING NJCBCNBN10 BANK OF NEWyORK, SHANGHAI IRVTCNSH11 BNP PARIBAS CHINA, BEIJING BNPACNBJ12 BNP PARIBAS CHINA, GUANGZHOU BNPACN2213 BNP PARIBAS CHINA, TIANJIN BNPACNBT14 COMMERZBANK AG, SHANGHAI, (SHANGHAI BRANCH) COBACNSX15 CREDIT AGRICOLE CIB (CHINA) LIMITED SHANGHAI CRLyCNSH16 JPMORGAN CHASE BANK (CHINA) COMPANy LIMITED, SHANGHAI BR. CHASCNSH17 JP MORGAN CHASE BANK (CHINA) COMPANy LIMITED, GUANGZHOU CHASCN2G18 CHINA CITIC BANK BEIJING CIBKCNBJ19 CHINA CONSTRUCTION BANK, PCBCCNBJ20 CHINA EVERBRIGHT BANK BEIJING (HO) EVERCNBJ21 CHINA MERCHANTS BANK, (H.O) SHENZHEN CMBCCNBS22 CHINA MINSHENG BANKING CORPORATION, LTD MSBCCNBJ23 CITI BANK N.A SHANGHAI CITICNSX24 DBS BANK LIMITED, SHANGHAI DBSSCNSH25 DEUTSCHE BANK, SHANGHAI DEUTCNSH26 EXPORT-IMPORT BANK OF CHINA, BEIJING EIBCCNBJ27 HANA BANK (CHINA) COMPANy LIMITED, BEIJING HNBNCNBJ28 BANK OF HANGZHOU CO LTD HZCBCN2H29 HUA XIA BANK HXBKCNBJ30 HONGKONG SHANGHAI BANKING COPORATION LIMITED HSBCCNSH31 INDUSTRIAL AND COMMERCIAL BANK OF CHINA ICBKCNBJ32 INDUSTRIAL BANK CO., LTD+B644, FUZHOU FJIBCNBA33 INTESABCI S.P.A, SHANGHAI BCITCNSH34 QILU BANK CO LTD JNSHCNBN35 JPMORGAN CHASE BANK, N.A. BEIJING BRANCH CHASCN2236 KOREA EXCHANGE BANK, BEJING BRANCH KOEXCNBJ37 KBC BANK NV, SHANGHAI KREDCNSX38 MIZUHO CORPORATE BANK (CHINA),LTD. MHCBCNSH39 NATIXIS SHANGHAI BFCECNSH40 OVERSEA-CHINEASE BANKING CORPORATION, SHANGHAI OCBCCNSH41 QUANGDONG DEVELOPMENT BANK GDBKCN2242 RAIFFEISEN ZENTRAL BANK, BEIJING RZBACNBJ43 SHANGHAI COMMERCIAL BANK LIMITED, SHENZHEN BRANCH SCBKCNBS44 PING AN BANK CO., LTD, SZCBCNBS45 SHENGJING BANK CO.,LTD SyCBCNBy46 STANDARD CHARTERED BANK (CHINA) LIMITED, SHANGHAI SCBLCNSX47 SUMITOMO MITSUI BANKING CORPORATION, SHANGHAI SMBCCNSH48 SUMITOMO MITSUI BANKING CORPORATION, SUZHOU SMBCCNSU49 THE BANK OF NOVA SCOTIA, QUANGZHOU NOSCCN2250 UNITED OVERSEA BANK, SHANGHAI UOVBCNSH51 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA), SHANGHAI PNBPCNSH52 WOORI BANK (FORMERLy COMMERCIAL BANK OF KOREA) HVBKCNBJ53 yANTAI CITy COMMERCIAL BANK yTCBCNSD54 BANK OF WENZHOU CO LTD, WZCBCNSH55 DONGyING CITy COMMERCIAL BANK CO LIMITED, DySHCNBJ56 UNITED RURAL COOPERATIVE BANK OF HANGZHOU, URCBCN2H57 ZHEJIANG TAILONG COMMERCIAL BANK CO LTD ZJTLCNBH58 ZHEJIANG XIAOSHAN RURAL COOPERATIVE BANK HXCBCN2H59 BANK OF EAST ASIA (CHINA) LIMITED, SHANGHAI BEASCNSH60 WORRI BANK, SHANGHAI, CHINA HVBKCNSB

61 UNICREDIT SPA - SHANGHAI BRANCH, CHINA BROMCNSH62 SHANGHAI PUDONG DEVELOPMENT BANK CO LTD, CHINA SPDBCNSH63 BANK OF BEIJING CO LTD, CHINA BJCNCNBJ64 JIANGSU JIANGNAN RURAL COMMERCIAL BANK CO., LTD, CHINA RCWJCNSH65 BANK OF JIANGSU CO LTD, CHINA BOJSCNBN66 JPMORGAN CHASE BANK (CHINA) COMPANy LIMITED, CHENGDU BRANCH CHASCNBC67 JPMORGAN CHASE BANK (CHINA) COPANy LIMITED, TIANJIN BRANCH CHASCNBX68 THE BANK OF NEW yORK MELLON, BEIJING BRANCH BNyMCNBJ69 BANK OF COMMUNICATIONS CO. LTD., CHINA COMMCNSH70 BANK OF CHENGDU CO. LTD., CHINA CBOCCNBC3/ CamBOdIa 1 ACLEDA BANK PLC ACLBKHPP2 ADVANCED BANK OF ASIA LIMITED, PHNOMPENH ABAAKHPP3 FOREIGN TRADE BANK OF COMBODIA, PHNOMPENH FTCCKHPP4 SHINHAN KHMER BANK, PHNOM PENH SHBKKHPP4/ EaST TImOR 1 ANZ BANKING GROUP LTD, DILI ANZBTLDI5/ HONg kONg 1 THE ROyAL BANK OF SCOTLAND N.V., (HONGKONG) BRANCH ABNAHKHH2 AGRICULTURAL BANK OF CHINA LIMITED, HONGKONG BRANCH ABOCHKHH3 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD ANZBHKHX4 BANCA MONTE DEI PASCHI DI SIENA S.P.A HONGKONG PASCHKHH5 BANCO BILBAO VIZCAyA ARGENTARIA, S.A, HONGKONG BBVAHKHH6 BANK OF AMERICA N.A HONGKONG BOFAHKHX7 BANK OF CHINA LIMITED, HONGKONG BKCHHKHH8 BANK OF NOVA SCOTIA NOSCHKHH9 BANK SINOPAC SINOHKHH10 UNICREDIT BANK AG HONG KONG BVBEHKHH11 BNP PARIBAS, HONGKONG BNPAHKHH12 BANCO SANTANDER BANESPA S.A.(SUCESSOR OF BANCO SANTANDER BRASIL SA) BSCHHKHH13 CHINA CONSTRUCTION BANK CORPORATION PCBCHKHH14 CREDIT AGRICOLE CIB, HONGKONG CRLyHKHH15 CHANG HWA COMMERCIAL BANK LTD, HONG KONG BR CCBCHKHH16 CITI BANK, HONGKONG CITIHKHX17 COMMERZBANK AG, HONG KONG COBAHKHX18 CTB AUSTRALIA LTD, HONG KONG CTBAHKHH19 DBS BANK LTD. DBSSHKHH20 DEUTSCHE BANK AG DEUTHKHH21 HANA BANK HONGKONG BRANCH HNBNHKHH22 HONG KONG AND SHANGHAI BANKING CORPORATION LIMTED HSBCHKHH23 INDUSTRIAL BANK OF KOREA, HONG KONG BRANCH IBKOHKHH24 ING BANK N.V, HONGKONG INGBHKHH25 INTESA SANPAOLO SPA HONG KONG BCITHKHH26 MEGA INTERNATIONAL COMMERCIAL BANK CO. LTD., HONG KONG BRANCH ICBCHKHH27 JP MORGAN CHASE N.A, HONGKONG BRANCH CHASHKHH28 KBC BANK NV, HONGKONG KREDHKHX29 KOREA EXCHANGE BANK, HONGKONG BRANCH KOEXHKHH30 MIZUHO CORPORATE BANK LTD MHCBHKHH31 NATIONAL AUSTRALIA BANK LTD NATAHKHH32 OVERSEA-CHINESE BANKING CORPORATION OCBCHKHH33 RABOBANK, HONGKONG RABOHKHH34 ROyAL BANK OF CANADA,HONG KONG ROyCHKHH35 SHANGHAI COMMERCIAL BANK LIMITED,HONG KONG SCBKHKHH36 SHINHAN ASIA LTD., HONG KONG SHBKHKHH37 SHINHAN BANK, HONG KONG BRANCH SHBKHKHX38 STANDARD BANK ASIA LIMITED, HONGKONG BRANCH JFCOHKHH39 STANDARD CHARTERED BANK, HONGKONG SCBLHKHH40 SVENSKA HANDELSBANKEN AB, HONGKONG HANDHKHH41 TAIPEI FUBON COMMERCIAL BANK CO., LTD. HONG KONG BRANCH TPBKHKHH42 THE BANK OF NEW yORK IRVTHKHX43 THE BANK OF TOKyO MITSUBISHI UFJ LIMITED BOTKHKHH44 SUMITOMO MITSUI BANKING CORPORATION, HONG KONG SMBCHKHH45 UBA - UNION DC BANQUES ARABES ET FRANCAICES UBAFHKHX46 UNITED OVERSEAS BANK LIMITED, HONG KONG UOVBHKHH47 VIETNAM FINANCE COMPANy CO., LTD BFTVHKHH

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BANK NAME BICCODE BANK NAME BICCODE

NETWORK OF CORRESPONDENT BANKS

48 WELLS FARGO BANK, N.A.(FORMERLy KNOWN AS WACHOVIA), HONGKONG BRANCH PNBPHKHH49 WING HANG BANK LIMITED, HONGKONG WIHBHKHH50 WOORI BANK, HONG KONG HVBKHKHH51 WESTLB AG, HONGKONG WELAHKHX52 WELLS FARGO BANK N.A. HONG KONG BRANCH WFBIHKHB53 HANG SENG BANK LTD HASEHKHH6/ INdIa 1 THE ROyAL BANK OF SCOTLAND N.V. (INDIA) ABNAINBB2 BANK OF AMERICA NA, MUMBAI BOFAIN4X3 BANK OF NOVA SCOTIA, THE, MUMBAI NOSCINBB4 BARCLAyS BANK PLC, MUMBAI BARCINBB5 BNP PARIBAS INDIA, MUMBAI BNPAINBB6 CALyON, MUMBAI CRLyINBB7 CANARA BANK, MUMBAI CNRBINBB8 JPMORGAN CHASE BANK, N.A., MUMBAI CHASINBX9 CITI BANK NA, MUMBAI CITIINBX10 DBS BANK,LTD MUMBAI DBSSINBB11 DEUTSCH BANK AG, MUMBAI DEUTINBB12 THE FEDERAL BANK LTD., INDIA FDRLINBB13 MIZUHO CORPORATE BANK LTD, MUMBAI MHCBINBB14 HSBC, MUMBAI HSBCINBB15 ICICI BANK LIMITED, MUMBAI ICICINBB16 PUNJAB AND SIND BANK, MUMBAI PSIBINBB17 STANDARD CHARTERED BANK SCBLINBB18 PUNJAB NATIONAL BANK, MUMBAI, INDIA PUNBINBB19 UNITED COMMERCIAL BANK LTD., MUMBAI, INDIA UCBAINBB7/ INdONESIa 1 THE ROyAL BANK OF SCOTLAND N.V., JAKARTA BRANCH ABNAIDJA2 PT BANK ANZ INDONESIA ANZBIDJX3 PT BANK UOB INDONESIA BBIJIDJA4 PT BANK INTERNASIONAL INDONESIA TBK IBBKIDJA5 PT BANK MANDIRI (PERSERO) TBK. BMRIIDJA6 PT BANK NEGARA INDONESIA (PERSERO) TBK BNINIDJA7 PT BANK RAKyAT INDONESIA (PERSERO) BRINIDJA8 BANK OF AMERICA NA, JAKARTA BOFAID2X9 BANK RABOBANK INT’L INDONESIA, JAKARTA RABOIDJA10 BANK SyARIAH MANDIRI, JAKARTA BSMDIDJA11 BNP PARIBAS INDONESIA, JAKARTA BNPAIDJA12 CITI BANK , JAKARTA CITIIDJX13 DEUTSCHE BANK AG, JAKARTA DEUTIDJA14 HONGKONG AND SHANGHAI BANKING CORPORATION, JAKARTA HSBCIDJA15 JPMORGAN CHASE BANK, N.A.,JAKARTA CHASIDJX16 KOREA EXCHANGE BANK DANAMON, INDONESIA KOEXIDJA17 STANDARD CHARTERED BANK, JAKARTA SCBLIDJX18 WOORI BANK INDONESIA P.T. JAKARTA, JAKARTA HVBKIDJA19 PT BANK DANAMON INDONESIA, TBK BDINIDJA20 PT BANK CIMB NIAGA TBK, INDONESIA BNIAIDJA21 BANGKOK BANK PUBLIC COMPANy LIMITED, INDONESIA BKKBIDJA8/ JaPaN 1 THE ROyAL BANK OF SCOTLAND PLC (FORMER ABN AMRO BANK N.V.) ABNAJPJT2 ANZ BANK, TOKyO ANZBJPJX3 ASAHI SHINKIN BANK, THE TOKyO ASKBJPJT4 BANK OF AMERICA, TOKyO BOFAJPJX5 BANK OF CHINA (HONGKONG) LTD BKCHJPJT6 BANK OF NOVA SCOTIA, THE, TOKyO NOSCJPJT7 UNICREDIT BANK AG TOKyO BVBEJPJT8 BNP PARIBAS SECURITIES LTD., TOKyO BNPAJPJ29 CALyON ( FORMERLy CREDIT AGRICOLE INDOSUEZ), TOKyO BSUIJPJT10 CITIBANK, N.A CITIJPJT11 COMMERZBANK AG TOKyO COBAJPJX12 COMMON WEALTH BANK OF AUSTRALIA, TOKyO CTBAJPJT13 DBS BANK, TOKyO DBSSJPJT14 DEUTSCH BANK AG, TOKyyO DEUTJPJT15 HIROSHIMA BANK LTD HIROJPJT16 HONGKONG AND SHANGHAI BANKING CORPORATION, TOKyO HSBCJPJT

17 ING BANK N.V, TOKyO INGBJPJT18 MITSUBISHI UFJ TRUST AND BANKING CORP., TOKyO MTBCJPJT19 MIZUHO BANK LTD, TOKyO MHBKJPJT20 MIZUHO CORPORATE BANK, LTD., TOKyO MHCBJPJT21 NATIONAL AUSTRALIA BANK LIMITED, TOKyO NATAJPJT22 NORTH PACIFIC BANK, LTD, SAPPORO NORPJPJP23 KINKI OSAKA BANK, LTD OSABJPJS24 KOREA EXCHANGE BANK, TOKyO KOEXJPJT25 OVERSEA-CHINEASE BANKING CORPORATION OCBCJPJT26 OKAZAKI SHINKIN BANK, THE OKAZAKI OKSBJPJZ27 PHILIPPINE NATIONAL BANK TOKyO BRANCH PNBMJPJT28 RESONA BANK LTD, TOKyO DIWAJPJT29 ROyAL BANK OF CANADA, TOKyO ROyCJPJT30 SAITAMA RESONA BANK LTD, TOKyO SAIBJPJT31 SHINHAN BANK (OSAKA BRANCH) SHBKJPJX32 SOCIETE GENERALE, TOKyO SOGEJPJT33 STANDARD CHARTERED BANK,TOKyO SCBLJPJT34 SUMITOMO MITSUI BANKING CORPORATION, TOKyO SMBCJPJT35 SETO SHINKIN BANK, THE NAGOyA SSBKJPJZ36 THE BANK OF NEW yORK, TOKyO IRVTJPJX37 THE BANK OF TOKyO MITSUBISHI UFJ LTD., TOKyO BOTKJPJT38 U.B.A.F. - UNION DE BANQUES ARABES ET FRANCAISES TOKyO BRANCH UBAFJPJX39 WELLS FARGO BANK, N.A. (FORMERLy KNOWN AS WACHOVIA), TOKyO PNBPJPJX40 WESTLB AG, TOKyO WELAJPJX41 WOORI BANK,TOKyO HVBKJPJT42 TOWA BANK LTD., GUNMA TOWAJPJT43 DAISHI BANK LTD., TOKyO DAISJPJT9/ kOREa 1 THE ROyAL BANK OF SCOTLAND N.V. (SEOUL) (FORMERLy KNOWN AS ABN AMRO BANK N.V., SEOUL BRANCH) ABNAKRSE2 BANK OF AMERICA NA, SEOUL BOFAKR2X3 BANK OF NOVA SCOTIA NOSCKRSE4 BANK OF TOKyO MITSUBISHI UFJ LTD, SEOUL BOTKKRSX5 BNP PARIBAS KOREA, SEOUL BNPAKRSE6 CITI BANK NA SEOUL BRANCH CITIKRSX7 DAEGU BANK LIMITED, THE, DAEGU DAEBKR228 DEUTSCHE BANK AG, SEOUL DEUTKRSE9 HANA BANK, SEOUL HNBNKRSE10 HONGKONG SHANGHAI BANKING COPORATION LIMITED HSBCKRSE11 INDUSTRIAL BANK OF KOREA (HO), SEOUL IBKOKRSE12 JP MORGAN CHASE BANK N.A, SEOUL CHASKRSX13 KOOKMIN BANK (HO), SEOUL CZNBKRSE14 KOREA DEVELOPMENT BANK, SEOUL KODBKRSE15 KOREA EXCHANGE BANK, SEOUL KOEXKRSE16 KWANGJU BANK LTD, SEOUL KWABKRSE17 KyONGNAM BANK, MASAN KyNAKR2218 MIZUHO CORPORATE BANK LIMITED, SEOUL MHCBKRSE19 NATIONAL AGRICULTURAL COOPERATIVE FEDERATION NACFKRSE20 OVERSEA-CHINEASE BANKING CORPORATION, SEOUL OCBCKRSE21 BUSAN BANK, BUSAN, KOREA PUSBKR2P22 SHINHAN BANK, SEOUL SHBKKRSE23 STANDARD CHARTERED BANK KOREA LIMITED SCBLKRSE24 SUHyUP BANK (FORMERLy NATIONAL FEDERATION OF FISHERIES COOPERATIVES) NFFCKRSE25 THE BANK OF NEW yORK, SEOUL IRVTKRSX26 THE SUMITOMO MITSUI BANKING CORP. LTD, SEOUL SMBCKRSE27 THE EXPORT-IMPORT BANK OF KOREA, SEOUL EXIKKRSE28 WOORI BANK, SEOUL HVBKKRSE29 WELLS FARGO BANK, N.A. (FORMERLy KNOWN AS WACHOVIA), SEOUL BRANCH PNBPKRSX10/laOS 1 BANQUE POUR LE COMMERCE EXTEREUR LAO COEBLALA2 LAO DEVELOPMENT BANK LDBBLALA3 PHONGSAVANH BANK PSVBLALA4 LAO-VIET BANK LAOVLALA11/ maCaO 1 BANCA NACIONAL ULTRAMARINO, SA MACAU MO BNULMOMX

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NETWORK OF CORRESPONDENT BANKS

12/ malaySIa 1 AMBANK (M) BERHAD, KUALA LUMPUR ARBKMyKL2 THE ROyAL BANK OF SCOTLAND BERHAD (301932-A) ABNAMyKL3 AFFIN BANK BERHAD PHBMMyKL4 BANK OF AMERICA MALAySIA BERHAD, KUALA LUMPUR BOFAMy2X5 BANK OF NOVA SCOTIA BERHAD NOSCMyKL6 CIMB BANK BERHAD, KUALA LUMPUR CIBBMyKL7 CITIBANK, N.A CITIMyKL8 DEUTSCHE BANK BERHAD, KUALA LUMPUR DEUTMyKL9 EON BANK BERHAD, KUALA LUMPUR EOBBMyKL10 HONG LEONG BANK BERHAD HLBBMyKL11 HSBC BANK MALAySIA BERHAD, KUALA LUMPUR HBMBMyKL12 J.P.MORGAN CHASE BANK BERHAD, KUALA LUMPUR CHASMyKX13 MALAyAN BANKING BERHAD, KUALA LUMPUR MBBEMyKL14 OCBC BANK (MALAySIA) BERHAD OCBCMyKL15 PUBLIC BANK BERHAD, KUALA LUMPUR PBBEMyKL16 RHB BANK BERHAD, KUALA LUMPUR RHBBMyKL17 STANDARD CHARTERED BANK MALAySIA BERHAD, KUALA LUMPUR SCBLMyKX18 BANK OF TOKyO-MITSUBISHI UFJ (MALAySIA) BEHAD, KUALA LUMPUR BOTKMyKX13/PHIlIPPINES 1 LAND BANK OF THE PHILIPPINES TLBPPHMM2 ASIAN DEVELOPMENT BANK ASDBPHMM3 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD ANZBPHMX4 BANK OF AMERICA NA, MANILA BOFAPH2X5 BNP PARIBAS MANILA OFFSHORE BRANCH BNPAPHMM6 CALyON, MANILA CRLyPHMM7 CITIBANK NA MANILA BRANCH CITIPHMX8 DEUTSCHE BANK, MANILA DEUTPHMM9 EXPORT AND INDUSTRy BANK, MANILA EAIBPHMM10 RIZAL COMMERCIAL BANKING COPORATION, MANILA RCBCPHMM11 STANDARD CHARTERED BANK, MANILA SCBLPHMM12 PHILIPPINE NATIONAL BANK PNBMPHMM13 HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED HSBCPHMM14/ SINgaPORE 1 THE ROyAL BANK OF SCOTLAND N.V. (SINGAPORE) ABNASGSG2 ANZ BANK, SINGAPORE ANZBSGSX3 BANK MANDIRI (PERSERO) PDK.PT BMRISGSG4 BANK OF AMERICA NA, SINGAPORE BOFASG2X5 BANK OF INDIA, SINGAPORE BKIDSGSG6 THE BANK OF NEW yORK MELLON, SINGAPORE BRANCH IRVTSGSX7 BANK OF TOKyO-MITSUBISHI UFJ LTD., BOTKSGSX8 UNICREDIT BANK AG SINGAPORE BVBESGSG9 BNP PARIBAS SINGAPORE BRANCH BNPASGSG10 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK (CREDIT AGRICOLE CIB), SINGAPORE CRLySGSG11 CITI BANK, N.A CITISGSG12 COMMERZBANK AG, SINGAPORE BRANCH COBASGSX13 COMMONWEALTH BANK OF AUSTRALIA, SINGAPORE CTBASGSG14 DBS BANK LIMITED DBSSSGSG15 DEUTSCHE BANK AG, SINGAPORE DEUTSGSG16 DNB NOR BANK ASA SINGAPORE BRANCH DNBASGSG17 ABN AMRO BANK N.V., SINGAPORE BRANCH (FORMELy KNOWN AS FORTIS BANK (NEDERLAND) N.V. SINGAPORE) FTSBSGSG18 FIRST COMMERCIAL BANK FCBKSGSG19 HSH NORDBANK AG, SINGAPORE HSHNSGSG20 ING BANK NV INGBSGSG21 INTESA SANPAOLO S.P.A. (FORMER SANPAOLO IMI), SINGAPORE BR. BCITSGSG22 JP MORGAN CHASE BANK N.A, SINGAPORE CHASSGSG23 KBC BANK SINGAPORE BRANCH KREDSGSX24 KOREA EXCHANGE BANK, SINGAPORE BRANCH KOEXSGSG25 MALAyAN BANKING BERHAD MBBESGSG26 MIZUHO CORPORATE BANK LTD, SINGAPORE MHCBSGSG27 NATIXIS BANQUES POPULAIRES, SINGAPORE BFCESGSG28 NATIONAL AUSTRALIA BANK, SINGAPORE NATASGSG29 NATIONAL BANK OF KUWAIT S.A.K, THE NBOKSGSG30 NORDEA BANK FINLAND PLC, SINGAPORE (FORMERLy MERITA BANK PLC, SINGAPORE) NDEASGSG

31 OVERSEA-CHINESE BANKING CORPORATION LIMITED OCBCSGSG32 RABO BANK, SINGAPORE RABOSGSG33 BANK INTERNATIONAL AG, SINGAPORE BRANCH RZBASGSG34 ROyAL BANK OF CANADA, SINGAPORE ROyCSGSG36 SCANDINAVISKA ENSKILDA BANKEN AB (PUBL) ESSESGSG37 SHINHAN BANK, SINGAPORE BRANCH SHBKSGSG38 SOCIETE GENERAL, SINGAPORE SOGESGSG39 STANDARD CHARTERED BANK SCBLSGSG40 STATE BANK OF INDIA, SINGAPORE SBINSGSG41 SUMITOMO MITSUI BANKING CORP. SMBCSGSG42 SVENSKA HANDELSBANKEN HANDSGSG43 HSBC SINGAPORE HSBCSGSG44 THE BANK OF NOVA SCOTIA, SINGAPORE BRANCH NOSCSGSG45 U/B.A.F-UNION DE BANQUES ARABES ET FRANCAISES UBAFSGSX46 UNITED OVERSEAS BANK LIMITED UOVBSGSG47 WOORI BANK, SINGAPORE HVBKSGSG48 ABN AMRO BANK N.V., SINGAPORE BRANCH ABNASG2A49 CHINA TRUST COMMERCIAL BANK, SINGAPORE CTCBSGSG50 EMIRATES NBD BANK PJSC, SINGAPORE EBILSGSG15/ SRIlaNka 1 BANK OF CEyLON, COLOMBO BCEyLKLX2 CITI BANK NA, SRILANKA CITILKLX3 DEUTSCHE BANK AG, COLOMBO BRANCH DEUTLKLX16/ TaIWaN 1 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED, TAIWAN BRANCH (FORMERLy KNOWN AS ABN AMROBANK N.V) ABNATWTP2 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD, TAIPEI ANZBTWTP3 BANK OF AMERICA NA, TAIPEI BOFATW2X4 BANK OF NEW yORK, THE, TAIPEI IRVTTWTX5 BANK OF NOVA SCOTIA, THE NOSCTWTP6 BANK OF OVERSEAS CHINESE (FORMERLy OVERSEAS CHINES HEAD OFFICE, TAIPEI, T.W OCBCTWTP7 BANK SINOPAC SINOTWTP8 BNP PARIBAS TAIWAN, TAIPEI BNPATWTP9 CATHAy UNITED BANK,TAIPEI UWCBTWTP10 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK TAIPEI BRANCH (CREDIT AGRICOLE CIB), TAIPEI CRLyTWTP11 CHANG HWA COMMERCIAL BANK LTD, TAIPEI CCBCTWTP12 CHINATRUST COMMERCIAL BANK, TAIPEI CTCBTWTP13 CITIBANK TAIWAN LIMITED CITITWTX14 DBS BANK LTD (FORMERLy BOWA BANK) PABKTWTP15 DBS BANK (TAIWAN) LTD, TAIPEI BRANCH DBSSTWTP16 DEUSTCH BANK AG, TAIPEI BRANCH DEUTTWTP17 E.SUN COMMERCIAL BANK LTD ESUNTWTP18 FAR EASTERN INTERNATIONAL BANK, TAIPEI FEINTWTP19 FIRST COMMERCIAL BANK FCBKTWTP20 HSBC BANK (TAIWAN) LIMITED HSBCTWTP21 HUA NAN COMMERCIAL BANK LTD, TAIPEI HNBKTWTP22 HWATAI BANK, TAIPEI HTBKTWTP23 MEGA INTERNATIONAL COMMERCIAL BANK CO. LTD., TAIPEI ICBCTWTP24 JIH SUN INTERNATIONAL BANK, TAIPEI JSIBTWTP25 JP MORGAN CHASE BANK N.A, TAIPEI, TW CHASTWTX26 KING’S TOWN BANK, TAINAN TNBBTWTN27 MIZUHO CORPORATE BANK LTD, TAIPEI MHCBTWTP28 STANDARD CHARTERED BANK, TAIPEI SCBLTWTP29 SUMITOMO MITSUI BANKING CORPORATION TAIPEI BRANCH, TAIPEI SMBCTWTP30 TA CHONG BANK LTD , TAIPEI OURBTWTP31 TAICHUNG COMMERCIAL BANK, TAIPEI TCBBTWTH32 TAIPEI FUBON COMMERCIAL BANK CO., TAIPEI TPBKTWTP33 TAIWAN BUSINESS BANK TAIWAN, TAIPEI MBBTTWTP34 TAIWAN COOPERATIVE BANK, TAIPEI TACBTWTP35 THE BANK OF TOKyO MITSUBHISHI UFJ LTD, TAIPEI BRANCH BOTKTWTX36 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA), TAIPEI BRANCH PNBPTWTP37 WELLS FARGO BANK N.A., TAIPEI BRANCH WFBITWTP38 BANGKOK BANK PUBLIC COMPANy LIMITED, TAIPEI BKKBTWTP

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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 ABNATHBK2 BANGKOK BANK PUBLIC COMPANy BKKBTHBK3 BANK OF AMERICA NA, BANGKOK BOFATH2X4 BANK OF AyUDHyA PUBLIC COMPANy LIMITED, BANGKOK AyUDTHBK5 BNP PARIBAS THAILAND - BANGKOK BRANCH BNPATHBK6 CITIBANK N.A, BANGKOK CITITHBX7 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK BSUITHBK8 DEUTSCHE BANK AG, BANGKOK DEUTTHBK9 EXPOXT-IMPORT BANK OF THAILAND, BANGKOK EXTHTHBK10 HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED HSBCTHBK11 JPMORGAN CHASE BANK, N.A., BANGKOK BRANCH CHASTHBX12 KASIKORNBANK PUBLIC COMPANy LIMITED, BANGKOK TH KASITHBK13 KRUNG THAI BANK PUBLIC COMPANy LIMITED, BANGKOK KRTHTHBK14 MIZUHO BANK LTD BANGKOK INTERNATIONAL BANKING FACILITy MHCBTHBK15 OVERSEA-CHINEASE BANKING CORPORATION LIMITED OCBCTHBK16 SIAM COMMERCIAL BANK PUBLIC CO., LTD., THE, BANGKOK SICOTHBK17 STANDARD CHARTERED BANK, BANGKOK SCBLTHBX18 THANACHART BANK PUBLIC COMPANy LIMITED, BANGKOK TH THBKTHBK19 THE SUMITOMO MITSUI BANKING CORPORATION, BANGKOK SMBCTHBK20 TMB BANK PUBLIC COMPANy LIMITED TMBKTHBK21 UNITED OVERSEAS BANK (THAI) PUBLIC COMPANy LIMITED, BANGKOK UOVBTHBK18/ VIET Nam 1 AN BINH COMMERCIAL JOINT STOCK BANK, HANOI, VIETNAM ABBKVNVX2 ANZ BANK, HANOI ANZBVNVX3 ASIA COMMERCIAL BANK, HCM CITy ASCBVNVX4 BANK FOR INVESTMENT & DEVELOPMENT OF VIETNAM BIDVVNVX5 BANK OF CHINA , HCM CITy VN BKCHVNVX6 BANK OF TOKyO-MITSUBISHI UFJ LTD,HANOI BOTKVNV57 BANK OF TOKyO-MITSUBISHI UFJ LTD,HOCHIMINH BOTKVNVX8 BNP PARIBAS, VIETNAM (KO VERIFy CHU Ky > 100,000USD BANG MT799) BNPAVNVN9 CREDIT AGRICOLE CIB, HANOI CAINVNVXHAN10 CREDIT AGRICOLE CIB, HCM CITy CAINVNVX11 CHINATRUST COMMERCIAL BANK, HCM CITy CTCBVNVX12 TAIPEI FUBON COMMERCIAL BANK, HANOI TPBKVNVX96213 CITIBANK N.A, HANOI CITIVNVX14 COMMONWEALTH BANK OF AUSTRALIA, HCMC CTBAVNVX15 DEUTSCHE BANK, HO CHI MINH DEUTVNVX16 DONGA BANK EACBVNVX17 FAR EASTERN INTERNATIONAL BANK, HCM FENBVNVX18 FIRST COMMERCIAL BANK, HANOI FCBKVNVX19 HANOI BUILDING COMMERCIAL JOINSTOCK BANK., HANOI HBBHVNVN20 HSBC BANK (VIETNAM) LTD.,HOCHIMINH HSBCVNVX21 HUA NAN COMMERCIAL BANK LTD, HCM HNBKVNVX22 INDOVINA BANK TLD, HCMC IABBVNVX23 JPMORGAN CHASE BANK, N.A., HO CHI MINH CITy CHASVNVX24 KOREA EXCHANGE BANK, HANOI KOEXVNVX25 MEGA INTERNATIONAL COMMERCIAL BANK, HOCHIMINH CITy ICBCVNVX26 MIZUHO CORPORATE BANK LTD, HANOI BRANCH MHCBVNVX27 MILITARy COMMERCIAL JOINT STOCK BANK, HANOI MSCBVNVX28 NATEXIS BANQUES POPULAIRES, HCM CITy BFCEVNVX29 SAIGON COMMERCIAL BANK, HO CHI MINH CITy SACLVNVX30 SAIGON BANK FOR INDUSTRy AND TRADE, THE HOCHIMINH SBITVNVX31 SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK SGTTVNVX32 SHINHAN BANK VIETNAM SHBKVNVX33 SOUTHERN COMMERCIAL JOINT STOCK BANK, HCM PNBKVNVX34 STANDARD CHARTERED BANK, HANOI SCBLVNVX35 STATE BANK OF VIETNAM STBVVNVX36 SOUTHEAST ASIA COMMERCIAL JOINT STOCK BANK, HANOI SEAVVNVX37 SUMITOMO MITSUI BANKING CORPORATION, HO CHI MINH CITy SMBCVNVX38 TAIPEI FUBON COMMERCIAL BANK, BINH THANH BRANCH TPBKVNVX96039 UNITED OVERSEAS BANK LIMITED, HCMC UOVBVNVX40 VID PUBLIC BANK, HA NOI VIDPVNV541 VIETCOMBANK BFTVVNVX

42 VIETNAM EXPORT IMPORT COMMERCIAL JOINT-STOCK BANK, HCMC EBVIVNVX43 VIETINBANK, HANOI ICBVVNVX44 VIETNAM INTERNATIONAL COMMERCIAL JOINT STOCK BANK, HANOI VNIBVNVX45 VIETNAM MARITIME COMMERCIAL STOCK BANK MCOBVNVX46 VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK, HANOI VTCBVNVX47 VIETNAM ASIA COMMERCIAL JOINT-STOCK BANK VNACVNVX48 VIETNAM EXPORT IMPORT COMMERCIAL JOINT-STOCK BANK,HANOI EBVIVNVXHNO49 WOORI BANK., HANOI BRCH HVBKVNVX50 PETROLIMEX GROUP COMMERCIAL JOINT STOCK BANK PGBLVNVX51 ORIENT COMMERCIAL JOINT STOCK BANK (EASTERN BANK) ORCOVNVX52 VIETNAM RUSSIA JOINT VENTURE BANK VRBAVNVX53 THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD HSBCVNVH54 VIETNAM PROSPERITy JOINT STOCK COMMERCIAL BANK (FORMERLy VIETNAM JOINSTOCK COMMERCIAL BANK FOR PRIVATE ENTERPRISE) VPBKVNVX55 VIET NAM TIN NGHIA BANK VNTNVNVN56 LIEN VIET POST JOINT STOCK COMMERCIAL BANK LVBKVNVX57 INDUSTRIAL BANK OF KOREA VN IBKOVNVX58 SAI GON-HA NOI COMMERCIAL JOINT STOCK BANK SHBAVNVX59 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED, HANOI BRANCH ICBKVNVN60 HONGLEONG BANK VIETNAM LIMITED HLBBVNVX61 MALAyAN BANKING BERHAD (MAyBANK), HANOI BRANCH, VIETNAM MBBEVNVX62 BANGKOK BANK PUBLIC COMPANy LIMITED, HO CHI MINH CITy, VIETNAM BKKBVNVX63 BAOVIET JOINT STOCK COMMERCIAL BANK, HANOI BRANCH, VIETNAM BVBVVNVX64 CHINA CONSTRUCTION BANK PCBCVNVX65 HO CHI MINH CITy DEVELOPMENT JOINT STOCK COMMERCIAL BANK (HD BANK) HDBCVNVX66 MEKONG HOUSING BANK, VIETNAM MHBBVNVX67 TIEN PHONG BANK, VIETNAM TPBVVNVX68 NORTH ASIA COMMERCIAL JOINT STOCK BANK, VIETNAM NASCVNVX69 VIET NAM THUONG TIN COMMERCIAL JOINT STOCK BANK VNTTVNVX70 DBS BANK LTD, HOCHIMINH CITy BRANCH, VIETNAM DBSSVNVX71 OVERSEA-CHINEASE BANKING CORPORATION LIMITED,HO CHI MINH BRANCH OCBCVNVX72 OCEAN COMMERCIAL JOINT STOCK BANK, VIETNAM OJBAVNVX73 WOORIBANK, HOCHIMINH BRANCH HVBKVN2X74 GREAT TRUST JOINT STOCK COMMERCIAL BANK, VIETNAM GTBAVNVX75 BANK OF COMMUNICATIONS CO. LTD., HO CHI MINH CITy BRANCH COMMVNVX76 NAM VIET COMMERCIAL JOINT STOCK BANK NVBAVNVX77 NAM A COMMERCIAL JOINT STOCK BANK NAMAVNVX78 DAI A COMMERCIAL JOINT STOCK BANK DAIAVNVX79 VIET CAPITAL COMMERCIAL JOINT STOCK BANK VCBCVNVX II/ MIDDLE EAST: 35 BANKS IN 10 COUNTRIES 1/ BaHRaIN 1 ARAP BANKING CORPORATION ABCOBHBM2 BNP PARIBAS BAHREIN - MANAMA OFFSHORE BANKING UNIT(OBU) BNPABHBM3 BNP PARIBAS MANAMA, MANAMA, FULL COMMERCIAL BRANCH (FCB) BNPABHBC4 WOORI BANK (FORMERLy HANIL BANK), MANAMA HVBKBHBM2/ ISRaEl 1 BANK HAPOALIM BM , TEL AVIV POALILIT2 CITIBANK N.A.,TEL-AVIV CITIILIT3 FIRST INT’L BANK OF ISRAEL LIMITED, THE, TEL-AVIV FIRBILIT4 ISRAEL DISCOUNT BANK LTD IDBLILIT5 MIZRAHI TEFAHOT BANK LTD MIZBILIT6 BANK LEUMI LE-ISRAEL B.M, ISRAEL LUMIILIT3/ JORdaN 1 STANDARD CHARTERED BANK, AMMAN SCBLJOAX2 BANK OF JORDAN LTD BJORJOAX4/ kuWaIT 1 BURGAN BANK, KUWAIT KW BRGNKWKW2 NATIONAL BANK OF KUWAIT NBOKKWKW5/ OmaN 1 BANKMUSCAT SAOG BMUSOMRX6/ PakISTaN 1 DEUTSCHE BANK AG, KARACHI DEUTPKKA2 MEEZAN BANK LIMITED, KARACHI MEZNPKKA3 STANDARD CHARTERED BANK, KARACHI SCBLPKKX

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NETWORK OF CORRESPONDENT BANKS

7/ QaTaR 1 BNP PARIBAS, DOHA BNPAQAQA2 STANDARD CHARTERED BANK, DOHA SCBLQAQX8/ SaudI aRaBIa 1 ALRAJHI BANKING AND INVESTMENT CORPORATION (HO), RIyADH RJHISARI2 NATIONAL COMMERCIAL BANK, THE JEDDAH SA (HEAD OFFICE) NCBKSAJE3 ARAB NATIONAL BANK, RIyADH (HEAD OFFICE) ARNBSARI4 JPMORGAN CHASE BANK, N.A. RIyADH, SAUDI ARABIA CHASSARI9/ uNITEd aRaB EmIRaTES 1 THE ROyAL BANK OF SCOTLAND N.V. (UNITED ARAB EMIRATES) ABNAAEAD2 BARCLAyS BANK PLC, DUBAI BARCAEAD3 BNP PARIBAS, ABU DHABI BNPAAEAA4 BNP PARIBAS, DUBAI BNPAAEAD5 COMMERCIAL BANK OF DUBAI CBDUAEAD6 HABID BANK AG ZURICH, DUBAI HBZUAEAD7 HSBC BANK MIDDLE EAST, DUBAI BBMEAEAD8 MARSHREQBANK PSC., DUBAI BOMLAEAD9 STANDARD CHARTERED BANK, DUBAI SCBLAEAD10 EMIRATES NBD BANK PJSC, UAE EBILAEAD10/ yEmEN 1 ARAB BANK PLC - yEMEN ARAByESA III/ AMERICA: 122 BANKS IN 16 COUNTRIES 1/ aRgENTINa (SOuTH amERICa) 1 BANCO SANTANDER RIO S.A., BUENOS AIRES BSCHARBA2 BNP PARIBAS SUCCURSALE DE, BUENOS AIRES BNPAARBA2/ BRaSIl (SOuTH amERICa) 1 BANCO BNP PARIBAS, SAO PAULO BNPABRSP2 DEUTSCHE BANK S.A. - BANCO ALEMAO, SAO PAULO DEUTBRSP3 BANCO DO BRAZIL S.A, BRASBRRJ3/ CaNada (NORTH amERICa) 1 BANK OF AMERICA NATIONAL ASSOCIATION, TORONTO, NASSAU BOFACATT2 BANK OF MONTREAL, TORONTO BOFMCAM23 BANK OF NOVA SCOTIA NOSCCATT4 BNP PARIBAS CANADA, MONTREAL BNPACAMM5 CAISSE CENTRALE DEJARDINS DU QUEBEC, LA CCDQCAMM6 CANADIAN IMPERIAL BK OF COM. CIBCCATT7 HSBC BANK CANADA, TORONTO HKBCCATT8 LAURENTIAN BANK OF CANADA, MONTREAL BLCMCAMM9 ROyAL BANK OF CANADA, TORONTO ROyCCAT210 BANK OF MONTREA, THE INTERNATIONAL BRANCH, TORONTO BOFMCAT24/ CHIlE (SOuTH amERICa) 1 BANCO SANTANDER CHILE, SANTIAGO BSCHCLRM2 BBV BANCO BHIF, SANTIAGO BHIFCLRM3 SCOTIABANK SUD AMERICANO, SANTIAGO BKSACLRM4 BANCO DE CHILE, AS LEGAL SUCCESOR OF CITIBANK CHILE CITICLRS5 BANCO DE CREDITO E INVERSIONES CREDCLRM5/ fRENCH guIaNa (SOuTH amERICa) 1 BANQUE NATIONALE DE PARIS GUyANE, CAyENNE BNPAGFGX6/ mEXICO ( NORTH amERICa) 1 BANCO SANTANDER , S.A INSTITUCTION DE BANCA MULTIPLE, GRUPO FINANCIERO SANTANDER, MEXICO BMSXMXMM2 BANK OF AMERICA, MEXICO S.A BOFAMXMX3 SCOTIABANK INVERLAT, SA MBCOMXMM7/PERu (SOuTH amERICa) 1 BANCO DE CREDITO DEL PERU, LIMA BCPLPEPL2 BANCO CONTINENTAL, LIMA, PERU BCONPEPL8/ uRuguay (SOuTH amERICa) 1 BANCO SANTANDER , MONTEVIDEO BSCHUyMM2 CITIBANK N.A URUGOAy, MONTEVIDEO CITIUyMM3 HSBC BANK (URUGUAy) SA, MONTEVIDEO BLICUyMM9/ uSa (NORTH amERICa) 1 THE ROyAL BANK OF SCOTLAND N.V. (NEW yORK) ABNAUS332 THE ROyAL BANK OF SCOTLAND N.V. (CHICAGO) ABNAUS4C3 AIB BANK, NEWyORK AIBKUS3T

4 AUSTRALIA AND NEW ZEALAND BANKING GROUP LTD ANZBUS335 BANK OF THE WEST, WALNUT CREEK,CA BWSTUS666 BANCO DE SABADELL, S.A., MIAMI,FL BSABUS3X7 BANCO SANTANDER CENTRAL HISPANO S.A. NEW yORK BSCHUS338 BANK OF AMERICA NA, NEW yORK BOFAUS3N9 BANK OF AMERICA NA, SAN FRANCISCO, CA, US BOFAUS6S10 BANK OF MONTREAL, CHICAGO BOFMUS4X11 BANK OF NOVA SCOTIA (ATLANTA AGENCy) NOSCUS3312 BANK OF TOKyO MITSUBISHI UFJ LTD, NEWyORK BOTKUS3313 BANKOK BANK PUBLIC COMPANy LTD, NEWyORK BKKBUS3314 UNICREDIT BANK AG (HyPOVEREINSBANK), NEWyORK HyVEUS3315 BNP PARIBAS SECURITIES CORPORATION, NEW yORK BNPAUS3C16 BNP PARIBAS MIAMI, MIAMI,FL BNPAUS3M17 BNP PARIBAS U.S.A, NEW yORK BNPAUS3N18 BNP PARIBAS USA, CHICAGO BNPAUS4419 BNP PARIBAS USA, SAN FRANCISCO BNPAUS6S20 BNP PARIBAS, HOUSTON BNPAUS4H21 BRANCH BANKING AND TRUST COMPANy, GREENSBORO, NC, US BRBTUS3322 BROWN BROTHERS HARRISMAN AND CO, NEWyORK BBHCUS3323 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK (CREDIT AGRICOLE CIB) CRLyUS3324 CATHAy BANK, ROSEMEAD, CA CATHUS6L25 CITI BANK NA, NEWyORK CITIUS3326 CITy NATIONAL BANK, LOS ANGELES, CA CINAUS6L27 COBANK, DENVER NBFCUS5528 CALIFORNIA BANK AND TRUST, LOS ANGELES CALBUS6629 COMMERZBANK AG, NEW yORK COBAUS3X30 COMMONWEALTH BANK OF AUSTRALIA, NEWyORK CTBAUS3331 COMMONWEALTH BUSINESS BANK, LOS ANGELES CWBBUS6L32 DBS BANK LTD, LOS ANGELES AGENCy -LOS ANGELES, CA US DBSSUS6L33 DEUTSCHE BANK TRUST COMPANy AMERICAS, NEWyORK BKTRUS3334 DEUTSCHE BANK, AG DEUTUS3335 DNB NOR BANK ASA, NEW yORK BRANCH DNBAUS3336 EAST-WEST BANK, SAN MARINO, CA EWBKUS6637 FAR EAST NATIONAL BANK, LOS ANGELES FENBUS6L38 FIRST HAWAIAN BANK, HONOLULU,HI FHBKUS7739 FORTIS FINANCIAL MARKETS LLC GEBAUS3340 HABIB AMERICAN BANK, NEW yORK, Ny, US HANyUS3341 HSBC BANK USA, NEW yORK MRMDUS3342 HARRIS N.A, CHICAGO HATRUS4443 INTESA SANPAOLO SPA (FORMERLy BANCA INTESA SPA NEW yORK) BCITUS3344 ISRAEL DISCOUNT BANK OF NEW yORK, N.y IDByUS3345 JP MORGAN CHASE BANK N.A, NEWyORK CHASUS3346 KASIKORN BANK PCL, LOS ANGELES KASIUS6L47 KEyBANK NATIONAL ASSOCIATION, CLEVELAND KEyBUS3348 KRUNG THAI BANK PUBLIC COMPANy LIMITED, LOSANGELES KRTHUS6L49 MIZUHO CORPORATE BANK LTD, NEW yORK BRANCH MHCBUS3350 BMO HARRIS BANK N.A. FORMERLy KNOWN AS M AND I BANK MARLUS4451 MONTE DEI PASCHI DI SIENA - NEW yORK PASCUS3352 MERCANTIL COMMERCEBANK, N.A.,MIAMI,FL MNBMUS3353 NATIXIS BANK BFCEUS3354 NATIONAL AUSTRALIA BANK LIMITED, NEWyORK NATAUS3355 NORDEA BANK FINLAND PLC NEW yORK BRANCH, NEWyORD NDEAUS3N56 OVERSEA-CHINEASE BANKING CORPORATION LIMITED, NEWyORK OCBCUS3357 PNC BANK N.A, PITTSBURGH PNCCUS3358 REGIONS BANK,BIRMINGHAM UPNBUS4459 RABO BANK NEDERLAND, NEW yORK RABOUS3360 SHANGHAI COMMERCIAL BANK LTD.,LOS ANGELES SCBKUS6L61 SHINHAN BANK, NEW yORK SHBKUS3362 SILICON VALLEy BANK, SANTA CLARA,CA SVBKUS6S63 SOCIETE GENERALE, NEWyORK SOGEUS3364 SOVEREIGN BANK, WyOMISSING, PA SVRNUS3365 STANDARD CHARTERED BANK, NEWyORK SCBLUS3366 THE BANK OF NEW yORK MELLON IRVTUS3N67 THE SUMITOMO MITSUI BANKING CORP. SMBCUS3368 U.S. BANK, MINNEAPOLIS, MN US USBKUS44

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69 UNION BANK OF CALIFORNIA INT’L BOFCUS3370 SUNTRUST BANK, ATLANTA SNTRUS3A71 WHITNEy NATIONAL BANK WHITUS4472 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA), MIAMI PNBPUS3M73 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA), PHILADELPHIA, US PNBPUS3374 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA),LOS ANGELES PNBPUS6L75 WELLS FARGO BANK N.A. (FORMERLy KNOWN AS WACHOVIA) (FX DEPT.) PNBPUS3CHFX76 WELLS FARGO NA, SAN FRANCISCO, CA US WFBIUS6S77 WESTLB AG, NEWyORK WELAUS3X78 WOORI BANK, NEWyORK HVBKUS3379 WOORI BANK, LOS ANGELES HVBKUS6L80 NATIONAL BANK OF KUWAIT SAK, NEW yORK BR NBOKUS3381 INVESTORS SAVINGS BANK, US IBNJUS3382 BANCO DE CREDITO E INVERSIONES (BCI), MIAMI BRANCH CREDUS3M83 FIRST TENNESSEE BANK N.A. FTBMUS4410/ VENEZuEla (SOuTH amERICa) 1 BANCO DE VENEZUELA SACA GRUPO SANTANDER, CARACAS VZLAVECA11/gEORgIa (SOuTH amERICa) 1 JSC “CARTU BANK” TBILISI GE CRTUGE2212/CuBa (CENTRal amERICa) 1 BANCO NACIONAL DE CUBA BNACCUHH IV/ CARIBEAN 1/ CaymaN ISlaNd 1 COMMERZBANK AG, CAyMAN ISLANDS BRANCH GEORGETOWN COBAKyKX2 DNB NOR BANK ASA, CAyMAN ISLAND BRANCH, GEORGETOWN DNBAKyKX3 INTESA SANPAOLO SPA GEORGETOWN (FORMERLy INTESABCI S.P.A. GEORGETOWN) BCITKyKX4 NORDEA BANK FINLAND PLC, GEORGETOWN NDEAKyKX2/ guadElOuPE 1 BNP PARIBAS GUADELOUPE BNPAGPGX3/maRTINIQuE 1 BNP PARIBAS MARTINIQUE BNPAMQMX4/PuERTO RICO 1 BANCO SANTANDER PUER TO RICO, SANJUAN BSCHPRSX V/EUROPE: 365 BANKS IN 36 COUNTRIES 1/ auSTRIa 1 UNICREDIT BANK AUSTRIA AG BKAUATWW2 GUTMANN, VIENNA GUTBATWW3 RAIFEISEN- LANDESBANK TIROL AKATIENGESELLSCHAFT,VIENNA RZTIAT224 RAIFEISEN BANK INTERNATIONAL AG RZBAATWW5 RAIFEISEN-LANDESBANK KAERNTEN REG.GEM.M.B.H, KLAGENFURT RZKTAT2K6 RAIFEISEN-LANDESBANK NIEDEROESTERREICH-WIEN AG, VIENNA RLNWATWW7 RAIFEISEN-LANDESBANK OBEROESTERREICH AKATIENGESELLSCHAFT, LINZ RZOOAT2L8 RAIFEISEN-LANDESBANK STEIERMARK, GRAZ RZSTAT2G9 RAIFEISEN-LANDESBANK VORARLBERG, BREZENZ RVVGAT2B10 STEIERMAERKISCHE BANK UND SPARKASSEN AG, GRAZ STSPAT2G11 SOCIETE GENERAL, VIENNE SGABATWW12 ZVERA BANK, R.Z.Z.O.J BANK UND EVISIONSVERBAND, REG.GEM.M.B.H, KLAGENFURT VSGKAT2K13 OBERBANK AG OBKLAT2L14 HyPO ALPE-ADRIA BANK INTERNATIONAL AG HAABAT2215 OESTERREICHISCHE VOLKSBANKEN A.G, VIENNA VBOEATWW16 ERSTE BANK DER OSTERREICHESCHEN SPARKASSEN AG VIENNA AT GIBAATWW2/ BElaRuS 1 BELARUS BANK, MINSK AKBBBy2X3/ BElgIum 1 BANK OF AMERICA S.A/NV, ANTWERPEN BOFABE3X 2 BANK OF NEW yORK, THE BRUSSELS IRVTBEBB3 BNP PARIBAS S.A BELGIUM, BRUSSELS BNPABEBB4 CITIBANK BELGIUM NV/SA CTBKBEBX5 CITIBANK INT’L PLC, BRUSSELS CITIBEBX6 COMMEZBANK AG BELGIUM SA/NV, THE BRUSSELS BRANCH COBABEBX7 DEMIR-HALK BANK (NEDERLAND) N.V. BRUSSELS BRANCH DHBNBEBB8 DEXIA BANK BELGIUM SA GKCCBEBB9 FORTIS BANK SA/NV (BNP PARIBAS FORTIS), BRUSSELS GEBABEBB

10 ING BELGIUM NV/SA BBRUBEBB11 KBC BANK NV, ANTWERPEN KREDBEBB02212 KBC BANK NV, KORTRIJK KREDBEBB08513 KBC BANK NV, BRUSSELS KREDBEBB14 RABO BANK INTERNATIONAL, ANTWERP BRANCH RABOBE2215 SUMITOMO MITSUI BANKING CORP. SMBCBEBB16 CREDIT EUROPE BANK N.V, ANTWERP BRANCH FBHLBE224/ BulgaRIa 1 UNICREDIT BULBANK AD, SOFIA UNCRBGSF2 RAIFFEISENBANK (BULGARIA) EAD RZBBBGSF5/ CROaTIa 1 ZAGREBACKA BANKA DD ZAGREB HR ZABAHR2X2 RAIFFEISENBANK AUSTRIA D.D. ZAGREB, ZAGREB RZBHHR2X6/ CZECH 1 CESKOSLOVENSKA OBCHODNI BANKA, A.S., PRAGUE CEKOCZPP2 COMMERZBANK AG, PRAGUE COBACZPX3 CITIBANK EUROPE PLC, ORGANIZACNI SLOZKA CITICZPX4 KOMERCNI BANKA AS KOMBCZPP5 RAIFFEISEN BANK A.S. PRAGUE CZ RZBCCZPP6 UNICREDIT BANK CZECH REPUBLIC,A.S., PRAGUE BACXCZPP7/ CyPRuS 1 NATIONAL BANK OF GREECE (CyPRUS) LTD. ETHNCy2N2 BANK OF CyPRUS PUBLIC COMPANy LIMITED BCyPCy2N8/ dENmaRk 1 CITIBANK INTERNATIONAL PLC COPENHAGEN DK CITIDKKX2 DANSKE BANK A/S, COPENHAGEN DABADKKK3 DNB NOR BANK ASA, FILIAL DANMARK, COPENHAGEN DNBADKKX4 HANDELSBANKEN, COPENHAGEN HANDDKKK5 JySKE BANK A/S, COPENHAGEN JyBADKKK6 NORDEA BANK DENMARK A/S, COPENHAGEN NDEADKKK7 SPAR NORD BANK, AALBORG SPNODK228 SPARBANK A/S, SKIVE, DENMARK SKIVDK229 SyDBANK A/S, AABENRAA SyBKDK229/ ESTONIa 1 SAMPO PANK (DANSKE BANK A/S ESTONIA BRANCH) FOREEE2X2 ESTONIAN CREDIT BANK, TALLINN EKRDEE223 NORDEA BANK FINLAND PLC ESTONIA BRANCH, TALLINN NDEAEE2X4 SEB PANK EEUHEE2X10/ fRaNCE 1 THE ROyAL BANK OF SCOTLAND N.V. (FRANCE) ABNAFRPP2 BANCO DE SABADELL, PARIS BSABFRPP3 BANK OF AMERICA NA, PARIS BOFAFRPP4 BANQUE BIA, PARIS BIARFRPP5 BNP PARIBAS SA, PARIS BNPAFRPP6 BANCA INTESIA FRANCE (HO), PARIS BCITFRPP7 CREDIT DU NORD, PARIS NORDFRPP8 COMMERZBANK AG, PARIS COBAFRPX9 CREDIT AGRICOLE CIB BSUIFRPP10 CM-CIC BANQUES, PARIS CMCIFRPP11 CREDIT MUTEL - CIC BANQUES CMCIFRPA12 CREDIT LyONNAIS, PARIS (HO) CRLyFRPP13 CREDIT AGRICOLE S.A, PARIS AGRIFRPP14 KBC BANK NV PARIS KREDFRPP15 MIZUHO CORPORATE BANK LTD, THE, PARIS BRANCH, PARIS. MHCBFRPP16 NATIXIS CCBPFRPP/NATXFRPP17 KOREA EXCHANGE BANK, PARIS KOEXFRPP18 SUIMITOMO MITSUI BANKING CORPORATION EUROPE LIMITED, PARIS SMBCFRPP19 SOCIETE GENERAL, PARIS SOGEFRPP20 UNION DE BANQUES ARSBES ET FRANCAISES UBAFFRPP21 DEUTSCHE BANK AG, FRANCE DEUTFRPP11/ fINlaNd 1 NORDEA BANK FINLAND PLC, HENSIKI NDEAFIHH2 POHJOLA BANK PLC OKOyFIHH3 SVENSKA HANDELSBANKEN HANDFIHH4 SAMPO BANK (PART OF DANSKE BANK GROUP), HELSINKI DABAFIHH

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12/ gERmaNy 1 BANK OF TOKyO MITSUBISHI UFJ LTD, DUESSELDORF BOTKDEDX2 BNP PARIBAS S.A NIEDERLASSUNG, FRANKFURT AM MAIN BNPADEFF3 BREMER LANDESBANK, BREMEN BRLADE224 BHF BANK AKTIENGESSELLSCHAFT BHFBDEFF5 BANK OF AMERICA NA, FRANKFURT (KHONG NHAN L/C) BOFADEFX6 UNICREDIT BANK AG (HyPOVEREINSBANK) HyVEDEMM7 COMMERZ BANK AG, FRANKFURT COBADEFF/DD/DH/BB/HD/HH8 COMMERZBANK AG (FORMERLy DRESDNER BANK AG, FRANKFURT/ BERLIN) DRESDEFF9 DEUTSCHE BANK AG, BERLIN DEUTDEBB10 DEUTSCHE BANK AG, ROSTOCK DEUTDEBR11 DEUTSCHE BANK AG, DUESSEDORF DEUTDEDD12 DEUTSCHE BANK AG, FRANKFURT DEUTDEFF13 DEUTSCHE BANK AG,MAINZ DEUTDE5M14 DEUTSCHE BANK AG, FREIBURG IM BREISGAU DEUTDE6F15 DEUTSCHE BANK AG,CHEMNITZ DEUTDE8C16 DEUTSCHE BANK AG, ERFURT DEUTDE8E17 DEUTSCHE BANK AG, LEIPZIG DEUTDE8L18 DEUTSCHE BANK AG, ESSEN DEUTDEDE19 DEUTSCHE BANK AG, HAMBURG DEUTDEHH20 DEUTSCHE BANK AG, MUENCHEN DEUTDEMM21 DEUTSCHE BANK AG,HANNOVER DEUTDE2H22 DEUTSCHE BANK AG, BIELEFELD DEUTDE3B23 DEUTSCHE BANK AG, KOELN DEUTDEDK24 DEUTSCHE BANK AG,WUPPERTAL DEUTDEDW25 DEUTSCHE BANK AG, BREMEN DEUTDEHB26 DEUTSCHE BANK AG, STUTTGART DEUTDESS27 DEUTSCHE BANK AG, MANNHEIM DEUTDESM28 DEUTSCHE BANK PRIVAT-UND GESCHAEFTSKUNDEN AG, FRANKFURT DEUTDEDB29 DEMIR-HALK BANK (NEDERLAND) N.V., DUESSELDORF BRANCH DHBNDEDD30 HSH NORDBANK AG, HAMBURG HSHNDEHH31 HAMBURGER SPARKASSE AG HASPDEHH32 JP MORGAN CHASE N.A, FRANKFURT CHASDEFX33 JOH.BERENBERG BANK, GOSSLER UND CO.KG, HAMBURG BEGODEHH34 LANDES BANK BADEN - WUERTTEMBERG SOLADEST35 LANDESBANK HESSEN-THUERINGEN GIROZENTRALE, FRANKFURT HELADEFF36 NORDEA BANK FINLAND PLC NIEDERLASSUNG DEUTSCHLAND A/S, FRANKFURT AM MAIN NDEADEFF37 MIZUHO CORPORATE BANK LTD, THE DUESSELDORF BRANCH MHCBDEDD38 KREISPARKASSE HEILBORN, HEILBRONN HEISDE6639 KBC BANK DEUTSCHLAND AG, BREMEN BANVDEHB40 KOREA EXCHANGE BANK (DEUTSCHLAND) AG KOEXDEFA41 ABN AMRO CLEARING BANK N.V., FRANKFURT BRANCH (FORMERLy KNOWN AS FORTIS BANK GLOBAL CLEARING N.V.) FTSBDEFF42 FORTIS BANK SA/NV (BNP PARIBAS FORTIS), COLOGNE GEBADE3343 DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), FRANKFURT AM MAIN GENODE5544 DZ BANK AG DEUTSCHE ZENTRAL- GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), KARLSRUHE GENODE6K45 DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK FRANKFURT A MAIN (FORM GZ-BANK AG FRANKFURT/STUTTGART), STUTTGART GENODESG46 DZ BANK AG DEUTSCHE ZENTRAL GENOSSENSCHAFTSBANK, FRANKFURT GENODEFF47 WGZ-BANK WESTDEUTSCHE GENOSSENSCHAFTS -ZENTRALBANK, DUESSELDORF GENODEDD48 WESTLB AG,DUESSELDORF WELADEDD49 OLDENBURGISCHE LANDESBANK AG, OLDENBURG OLBODEH250 REUSCHEL UND CO., MUECHEN REUCDEMM51 SPARKASSE ESSEN BANK, ESSEN SPESDE3E52 SPARKASSE WESTMUNSTERLAND, AHAUS WELADE3W53 SEB AG, FRANKFURT, GERMAN ESSEDE5F54 SHINHAN BANK EUROPE GMBH, FRANKFURT AM MAIN SHBKDEFF55 THE SUMITOMO MITSUI BANKING CORP. LTD , THE DUESSELDORF SMBCDEDD56 THE BANK OF NEW yORK, FRANKFURT IRVTDEFX57 VOLKSBANK PADERBORN-HOEXTER AG DGPBDE3M58 STANDARD CHARTERED BANK, GERMANy SCBLDEFX59 DANSKE BANK A/S, HAMBURG DABADEHH

13/ gREECE 1 UNICREDIT BANK AG (HyPOVEREINSBANK) ATHENS HyVEGRAA2 BNP PARIBAS GRECE, ATHENS BNPAGRAA3 HSBC BANK PLC (ALL GREEK BRANCHES) ATHENS GR MIDLGRAA4 NATIONAL BANK OF GREECE S.A., ATHENS ETHNGRAA14/ HuNgaRy 1 BUDAPEST CREDIT & DEVELOPMENT BANK NyRT (BUDAPEST BANK NyRT) BUDAHUHB2 CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK, BUDAPEST CRLyHUHB3 CIB BANK LTD CIBHHUHB4 RAIFFEISEN BANK ZRT, BUDAPEST UBRTHUHB15/ IRElaNd 1 AIB GROUP, DUBLIN (H.O.) AIBKIE2D2 AIB INVESTMENT MANAGERS LTD., DUBLIN AIBKIE2E3 BANK OF AMERICA NA, DUBLIN BOFAIE3X4 BNP PARIBAS IRELAND, DUBLIN BNPAIE2D5 CITIBANK EUROPE PLC, DUBLIN CITIIE2X6 CITIBANK INTERNATIONAL PLC, DUBLIN DUBLIN IE CITIIE3D7 COMMERZBANK EUROUPE (IRELAND) COBAIE2X8 INTESABCI BANK IRELAND PLC, DUBLIN BCITIE2D9 NATIONAL IRISH BANK (PART OF DANSKE BANK GROUP), DUBLIN, IRELAND DABAIE2D16/ITaly 1 THE ROyAL BANK OF SCOTLAND N.V. (ITALy) ABNAITMM2 BANCO POPOLARE, VERONA BAPPIT223 BANCA NUOVA SPA,PALERMO (HEAD OFFICE) BPVIIT3T4 BANCA POPOLARE DI VICENZA, VICENZA BPVIIT225 BANCA POPOLARE DELL’EMILIA ROMAGNA, MODENA BPMOIT226 BANCA UBAE SPA UBAIITRR7 BANCA POPOLARE DELL’ETRURIA EDEL LAZIO, ARZZO ARBAIT338 BANCA POPOLARE DI VERONA E NOVARA SCRL VRBPIT2V9 BIVERBANCA - CASSA DI RISPARMIO DI BIELLA E VERCELLI SPA, BIELLA CRBIIT2B10 BNP PARIBAS SUCCURSALE ITALIA, MILANO BNPAITMM11 BANCA POPULAIRE FRIULADRIA SPA, PORDENONE BPPNIT2P12 BANCA ANTONVENETA SPA, PADOVA ANTBIT2P13 BANCA MONTE DEI PASCHI DI SIENA S.P.A, MILANO PASCITMM14 BARCLAyS BANK PLC BARCITMM15 BANK OF AMERICA, MILANO (KHONG NHAN L/C) BOFAIT2X16 BANCA NAZIONALE DEL LAVORO, ROMA BNLIITRR17 BANCO BILBAO VIZCAyA ARGENTARIA S.A. MILANO ITALIA BBVAITMM18 BANCO DI NAPOLI SPA IBSPITNA19 CASSA DEI RISPARMI DI FORLI’ E DELLA ROMAGNA SPA IBSPIT2F20 CREDITO EMILIANO S.P.A, REGGIO NELL’EMILA BACRIT2221 CREDITO BERGAMASCO, BERGAMO CREBIT2222 CASSA DI RISPARMIO DI CESENA S.P.A, CESENA CECRIT2C23 COMMERZBANK AG, MILANO COBAITMM24 DEUTSCHE BANK SPA, MILAN DEUTITMM25 ICCREA BANCA - ISTITUTO CENTRALE DEL CREDITO COOPE ROMA ICRAITRR26 ICCREA BANCA, MILANO BRANCH ICRAITMM27 INTESA SANPAOLO SPA, (HEAD OFFICE), MILANO BCITITMM/BCITIT3328 INTESA SANPAOLO SPA (FORMERLy BANCA INTESA SPA), BRANCH, MILANO BCITIT2229 ING BANK NV, MILANO INGBITMM30 MIZUHO CORPORATE BANK MHCBITMM31 UNICREDITO ITALIANO S.P.A, MILANO UNCRITMM32 UNICREDIT BANCA SPA, BOLOGNA UNCRIT2B33 UNICREDIT PRIVATE BANKING SPA,TORINO UNCRIT2T34 UNICREDIT BANCA D’IMPRESA SPA, VERONA UNCRIT2V35 UNIONE DI BANCHE ITALIANE S.C.P.A, BERGAMO BLOPIT2236 VENETO BANCA S.C.A.R.L (H.O), MONTEBELLUNA AMBPIT2M37 VENETO BANCA SCPA VEBHIT2M38 CASSA DI RISPARMIO DI VENEZIA S.P.A IBSPIT2V39 CASSA DI RISPARMIO IN BOLOGNA SPA, CARISBO IBSPIT2B40 CASSA DI RISPARMIO DEL VENETO IBSPIT2P41 HSBC BANK PLC, MILANO, ITALy MIDLITMX42 CREDITO DI ROMAGNA SPA, ITALy CRDRIT2F17/ JERSEy 1 ABBEy NATIONAL TREASURy INT’L LIMITED, ST HELIER ANILJESH

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BANK NAME BICCODE BANK NAME BICCODE

NETWORK OF CORRESPONDENT BANKS

18/ laTVIa 1 PAREX BANK, RIGA PARXLV2219/ lITHuaNIa 1 SEB BANK, LITHUANIA CBVILT2X20/ LUXEMBOURG 1 BNP PARIBAS, LUXEMBOURG BNPALULL2 BNP PARIBAS, SUCCURSALE DE LUXEMBOURG BNPALULS3 BANK OF NEW yORK (LUXEMBOURG). SA IRVTLULX4 COMMERZBANK INTERNATIONAL SA COBALULX5 DANSKE BANK INT’L S.A., LUXEMBOURG DABALULL6 BGL BNP PARIBAS, LUXEMBOURG BGLLLULL7 NORDEA BANK S.A, LUXEMBOURG NDEALULL8 UNICREDIT LUXEMBOURG S.A. HyVELULL21/ malTa 1 FORTIS BANK MALTA LTD., GZIRA DISBMTMT2 FIMBANK PLC, SLIEMA FIMBMTM322/ NORWay 1 BNP PARIBAS OSLO BRANCH BNPANOKK2 DNB NOR BANK ASA, OSLO DNBANOKK/KX3 FOKUS BANK A/S, TRONDHEIM DABANO224 HANDELS BANKEN, OSLO HANDNOKK5 NORDEA BANK NORGE ASA, OSLO NDEANOKK6 SPAREBANKEN VEST, BERGEN, SPAVNOBB23/ NETHERlaNdS 1 ABN AMRO BANK NV, AMSTERDAM ABNANL2A2 THE ROyAL BANK OF SCOTLAND N.V., AMSTERDAM RBOSNL2A3 ABN AMRO BANK N.V., ROTTERDAM ABNANL2R4 BANQUE ARTESIA NETHERLAND N.V, AMSTERDAM ARTENL2A5 BNP PARIBAS S.A, AMSTERDAM BNPANL2A6 COMMERZBANK (NEDERLAND) NV, AMSTERDAM COBANL2X7 CREDIT EUROPE BANK N.V FBHLNL2A8 CITIBANK INTERNATIONAL PLC NETHERLANDS BRANCH, AMSTERDAM CITINL2X9 DEUTSCHE BANK AG, AMSTERDAM DEUTNL2A10 DEMIR HALK BANK (NEDERLAND) N.V. ROTTERDAM NL DHBNNL2R11 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 UGBINL2A13 ING BANK N.V, ALL DUTCH OFFICES INGBNL2A14 KBC BANK NEDERLAND NV,ROTTERDAM KREDNL2X15 KOREA EXCHANGE BANK, AMSTERDAM BRANCH KOEXNL2A16 HOLLANDSCHE BANK-UNIE ROTTERDAM HBUANL2R17 RABO BANK NEDERLAND, ULTRECH RABONL2U18 SOCIETE GENERALE, AMSTERDAM SOGENL2A19 THE ECONOMy BANK N.V (TEBNV) TEBUNL2A24/ PORTugal 1 BNP PARIBAS SUCURSAL EM PORTUGAL, LISBON BNPAPTPL25/ POlaNd 1 BPH BANK HIPOTEC2Ny SA, WARZAWA HyVEPLP22 BANK BPH SA KRAKOW PL BPHKPLPK3 BANK POLSKA KASA OPIEKI SPOLKA AKCyJNA - BANK PEKAO S.A, WARSZAWA PKOPPLPW4 DANSKE BANK POLSKA S.A., WARSZAWA DABAPLPW5 HSBC BANK, POLSKA SA, POLAND HSBCPLPW6 KREDyT BANK S.A. , WARSZAWA KRDBPLPW7 NORDEA BANK POLSKA S.A., GDyNIA NDEAPLP28 POWSZECHNA KASA OSZCZEDNOSCI BANK POLSKI SA BPKOPLPW9 RAIFFENSEN BANK POLSKA S.A, WARSZAWA RCBWPLPW10 BRE BANK S.A. ODDZIAL SZCZECIN, POLAND BREXPLPW26/ ROmaNIa 1 UNICREDIT TIRIAC BANK SA, BUCHAREST BACXROBU27/ RuSSIa fEdERaTION 1 AVTOVAZBANK OAO, TOGLIATTI AVBKRU3T2 BANK ‘WESTLB VOSTOK’ (ZAO), MOSCOW WELARUMM3 BANK OF MOSCOW, MOSCOW RU MOSWRUMM4 CREDIT EUROPE BANK LTD FMOSRUMM5 CENTROKREDIT BANK, MOSCOW CKBBRUMM

6 CALyON (FORMERLy CREDIT LyONNAIS RUSBANK) CRLyRU2P7 COMMERZBANK EURASIJA SAO, MOSCOW COBARUMM8 FAR EASTERN COMMERCIAL BANK, KHABAROVSK FAECRU8K9 J.P.MORGAN BANK INTERNATIONAL CHASRUMX10 JSC VTB BANK, MOSCOW VTBRRUMM11 INTERNATIONAL INVESTMENT BANK, MOSCOW IIBMRUMM12 INTERNATIONAL BANK FOR ECONOMIC CO-OPERATION IBECRUMM13 PROMSVyAZBANK PRMSRUMM14 RAIFFEISEN BANK AUSTRIA MOSCOW RZBMRUMM15 ZAO UNICREDIT BANK IMBKRUMM16 ZAO CITIBANK, MOSCOW CITIRUMX17 OPEN JOINT STOCK COMPANy ‘OTP BANK’ OTPVRUMM18 RUSSKy SLAVIANSKy BANK (RUSSLAVBANK), MOSCOW RSLBRUMM28/ REuNION 1 BNP PARIBAS LA REUNION BNPARERX29/ SlOVakIa 1 CESKOSLOVENSKA OBCHODNA BANKA, A.S., BRATISLAVA CEKOSKBX2 TATRA BANKA A.S., BRATISLAVA TATRSKBX30/ SlOVENIa (SOuTHERN EuROPE) 1 UNICREDIT BANKA SLOVENIJA D,D BACXSI2231/ SPaIN 1 BANCO POPULAR ESPANOL, SA, MADRID POPUESMM2 BANCO DE SABADELL S.A BSABESBB3 BANCO BILBAO VIZCAyA ARGENTARIA, S.A., MADRID BBVAESMM4 BANCO GUIPUZCOANO S.A. BGUIES225 BANK OF AMERICA NA, MADRID (KHONG NHAN L/C) BOFAES2X6 BNP PARIBAS ESPANA, MADRID BNPAESMM7 BNP PARIBAS S.A. SUCURSAL EN ESPANA, MADRID BNPAESMS8 CAJAMAR CAJA RURAL, SOCIEDAD COOPERATIVA DE CREDITO, ALMERIA CCRIES2A9 CALyON MADRID BSUIESMM10 CAJA ESPANA DE INVERSIONES, CAJA DE AHORROS y MONTE DE PIEDAD, LEON CSPAES2L11 CAIXABANK, S.A. CAIXESBB12 COMMERZ BANK AG, MADRID COBAESMX13 CAJA LABORAL POPULAR, COOP. DE CREDITO (CAJA LABORAL), MONDRAGON CLPEES2M14 FORTIS BANK, SA/NV (BNP PARIBAS FORTIS), MADRID GEBAESMM15 GIPUZKOA DONOSTIA KUTXA – CAJA GIPUZKOA SAN SEBAST, SAN SEBASTIAN CGGKES2216 CONFEDERACION ESPANOLA DE CAJAS DE AHORROS, MADRID CECAESMM17 BANCO PASTOR S.A PSTRESMM18 CAJA MADRID - CAJA DE AHORROS y MONTE DE PIEDAD DE MADRID CAHMESMM19 BANCO SANTANDER SA BSCHESMM20 THE BANK OF TOKyO-MITSUBISHI UFJ LTD-MADRID BRANCH BOTKESMX21 BANCO COOPERATIVO ESPANOL SA BCOEESMM32/ SWITZERlaNd 1 THE ROyAL BANK OF SCOTLAND N.V., AMSTERDAM, ZURICH BRANCH ABNACHZ82 BANQUE CANTONALE DE GENEVE BCGECHGG3 BANQUE CANTONALE VAUDOISE LAUSANNE CH BCVLCH2L4 BHF BANK (SCHWEIZ) AG, ZURICH BHFBCHZZ5 BANQUE DE COMMERCE ET DE PLACEMENTS S.A., GENEVA BPCPCHGG6 BNP PARIBAS (SUISSE) SA GENEVE BPPBCHGG7 CREDIT AGRICOLE (SUISSE)SA AGRICHGG8 CREDIT SUISSE , ZURICH CRESCHZZ9 DEUTSCHE BANK AG ZURICH BRANCH DEUTCHZZ10 NORDEA BANK S.A., LUXEMBURG, ZWEIGNIEDERLASSUNG, ZUERICH, ZURICH NDEACHZZ11 ING BELGIUM NV/SA, BRUSSELS, GENEVA BRANCH (FORMERLy BBL BRUXELLES, SUCCURSALE DE GENEVE) BBRUCHGT12 STANDARD CHARTERED BANK (SWITZERLAND) S.A., GENEVA SCBLCHGG13 UBS AG, ZURICH (UNION BANK OF SWITZERLAND) UBSWCHZH14 ZUERCHER KANTONAL BANK ZUZICH CH ZKBKCHZZ15 MERCANTIL BANK, AG BAMRCHZZ16 HINDUJA BANK (SWITZERLAND) LTD ABSGCHGG33/ SWEdEN 1 DANSKE BANK, STOCKHOLM DABASESX2 DNB NOR BANK ASA, FILIAL SVERIGE, STOCKHOLM DNBASESX3 NORDEA BANK AB (PUBL), GOTEBORG NDEASEGG4 NORDEA BANK (STOCKHOLM BRANCH) NDEASESS

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BANK NAME BICCODE BANK NAME BICCODE

NETWORK OF CORRESPONDENT BANKS

5 SWEDBANK (FORENINGSSPARBANKEN AB (PUBL)), STOCKHOLM SWEDSESS6 SVENSKA HANDELSBANKEN, STOCKHOLM HANDSESS7 SKANDINAVISKA ENSKILDA BANKEN, GOTEBORG ESSESESG8 SKANDINAVISKA ENSKILDA BANKEN, STOCKHOLM ESSESESS34/ TuRkEy 1 CITIBANK A.S CITITRIX2 WESTLB AG ISTANBUL BRANCH WELATRIS3 TURKIyE HALK BANKASI A.S TRHBTR2A35/ ukRaINE 1 JSC ‘THE STATE EXPORT-IMPORT BANK OF UKRAINE’ EXBSUAUX36/ uNITEd kINgdOm (WESTERN EuROPE) 1 ALLIED IRISH BANK (GB) (AIB GROUP (UK) P.L.C. T/A) AIBKGB2L2 BANK TRUST COMPANy AMERICAS LONDON BRANCH BKTRGB2L3 BANCA INTESIA S.P.A, LONDON BCITGB2L4 BANCA MONTE DEI PASCHI DI SIENA SPA - LONDON BRANCH, LONDON PASCGB2L5 BANK OF AMERICA NA, LONDON BOFAGB226 BARCLAyS BANK PLC, LONDON BARCGB227 BANCO DE SABADELL, S.A, LONDON BSABGB2L8 UNICREDIT BANK AG (HyPOVEREINSBANK), LONDON HyVEGB2L9 BNP PARIBAS, LONDON BNPAGB2210 BANK OF CyPRUS UK BCyPGB2L11 CALyON (FORMERLy CREDIT LyONNAIS), LONDON CRLyGB2L12 CITIBANK NA, LONDON CITIGB2L13 COMMERZBANK AG COBAGB2X14 COMMONWEALTH BANK OF AUSTRALIA CTBAGB2L15 DEUTSCHE BANK AG, LONDON DEUTGB2L16 DEUTSCHE BANK TRUST CO., AMERICAS INT’L, LONDON BRANCH BKTIGB2L17 DANSKE BANK, LONDON DABAGB2L18 DNB NOR BANK ASA, LONDON BRANCH DNBAGB2L19 FORTIS BANK S.A/ N.V (BNP PARIBAS FORTIS), LONDON GEBAGB2220 JP MORGAN CHASE BANK N.A, LONDON CHASGB2L21 HABIB BANK AG ZURICH HBZUGB2L22 HSBC BANK PLC (MIDLAND BANK PLC), LONDON MIDLGB2223 KBC BANK NV LONDON KREDGB2X24 KOREA EXCHANGE BANK, LONDON KOEXGB2L25 MIZUHO CORPORATE BANK LTD, LONDON MHCBGB2L26 NORDEA BANK FINLAND PLC LONDON BR. NDEAGB2L27 NATIONAL WESTMINTER BANK PLC, LONDON NWBKGB2L28 NATEXIS BANQUES POPULAIRES, LONDON BFCEGB2L29 NATIONAL AUSTRALIA BANK LTD, LONDON NATAGB2L30 NATIONAL BANK OF EGyPT (UK) LIMITED LONDON GB NBEGGB2L31 OVERSEA-CHINEASE BANKING CORPORATION LIMITED, LONDON OCBCGB2L32 ROyAL BANK OF CANADA, LONDON ROyCGB2L33 ROyAL BANK OF CANADA EUROPE LIMITED, LONDON ROyCGB2234 STANDARD CHARTERED BANK, LON DON SCBLGB2L35 SHINHAN BANK, LONDON BRANCH SHBKGB2L36 THE BANK OF NEW yORK, LONDON IRVTGB2X37 THE BANK OF TOKyO MITSUBISHI UFJ LTD., LONDON BRANCH BOTKGB2L38 THE SUMITOMO MITSUI BANKING CORPORATION,LONDON SMBCGB2L39 WELLS FARGO BANK N.A (FORMERLy KNOWN AS WACHOVIA), LONDON BRANCH PNBPGB2L40 WOORI BANK LONDON HVBKGB2L41 WESTLB AG, LONDON BRANCH WELAGB2L42 NORTHERN BANK (PART OF DANSKE BANK GROUP), BELFAST, UK DABAGB2B43 DEVELOPMENT BANK OF SINGAPORE (DBS BANK LTD) DBSSGB2L VI/AUSTRALIA: 27 BANKS IN 4 COUNTRIES 1/ auSTRalIa 1 RBS GROUP (AUSTRALIA) PTy LIMITED ABNAAU2S2 ANZ BANKING GROUP LIMITED, MELBOURNE ANZBAU3M3 ANZ BANKING GROUP LIMITED, SyDNEy ANZBAU2S4 ANZ BANKING GROUP LIMITED, BRISBANE ANZBAU4B5 ANZ BANKING GROUP LIMITED, ADELAIDE ANZBAU5A6 BANK OF AMERICA, N.A SyDNEy BOFAAUSX7 BNP PARIBAS, SyDNEy BNPAAU2S8 CITIBANK, SyDNEy CITIAUSX

9 CITIBANK, MELBOURNE CITIAU3X10 CITIBANK LIMITED, MELBOURNE CITIAU2X11 COMMONWEALTH BANK OF AUSTRALIA, SyDNEy CTBAAU2S12 JPMORGAN CHASE BANK, N.A.,SyDNEy CHASAU2X13 MIZUHO CORPORATE BANK, LTD. SyDNEy BRANCH MHCBAU2S14 NATIONAL AUSTRALIA BANK LTD. NATAAU3315 RABOBANK AUSTRALIA LIMITED (FORMERLy PIBA) RABOAU2B16 RABOBANK AUSTRALIA BRANCH RABOAUSS17 RABO AUSTRALIA LIMITED RABOAU2S18 WESTLB SyDNEy BRANCH, SyDNEy WELAAU2S19 STANDARD CHARTERED BANK, AUSTRALIA SCBLAU2S20 THE BANK OF TOKyO MITSUBISHI, AUSTRALIA BOTKAU2X2/ NEW CalEdONIa 1 BANQUE NATIONALE DE PARIS NOUVELLE CALEDONIE, NOUMEA BNPANCNX3/ NEW ZEalaNd 1 ASB BANK LIMITED, AUCKLAND ASBBNZ2A2 ANZ BANK, WELLINGTON ANZBNZ223 CITIBANK NA, AUCKLAND CITINZ2X4 NATIONAL NOMINEES LIMITED, AUCKLAND NATANZ225 KOOKMIN BANK , AUCKLAND BRANCH CZNBNZ2A6 HSBC, AUCKLAND HSBCNZ2A4/ SOlOmON ISlaNdS 1 ANZ BANK, LTD, HONIARA ANZBSBSB VII/AFRICA: 19 BANKS IN 8 COUNTRIES 1/ algERIa 1 BNP PARIBAS EL DJAZAIR, ALGIERS BNPADZAL2/ BOTSWaNa 1 FIRST NATIONAL BANK OF BOTSWANA GABORONE FIRNBWGX3/ EgyPT 1 ARAB INTERNATIONAL BANK ARIBEGCX2 BANQUE MISR SAE BMISEGCX3 PRINCIPAL BANK FOR DEVELOPMENT AND AGRICULTURAL CREDIT, CAIRO BDACEGCA4 NATIONAL BANK FOR DEVELOPMENT NBDEEGCX5 BNP PARIBAS SAE BNPAEGCX4/ mauRITIuS 1 HONGKONG SHANGHAI BANKING COPORATION LIMITED, THE HSBCMUMU2 BRAMER BANKING CORPORATION LTD BBCLMUMU3 STANDARD CHARTERED BANK, MAURITIUS SCBLMUMU5/ NamIBIa 1 FIRST NATIONAL BANK OF NAMIBIA, LTD., WINDHOCK FIRNNANX6/ SOuTH afRICa 1 ABSA BANK LIMITED, JOHANNESBURG ABSAZAJJ2 CITIBANK SOUTH AFRICA, SANDTON CITIZAJX3 FIRSTRAND BANK LTD HEAD OFFICE INCL. DIVISIONS FIRST NATIONAL BANK, FNB CORPORATE AND RAND MERCHANT BANK FIRNZAJJ4 NEDBANK LIMITED, JOHANNESBURG NEDSZAJJ5 SOCIETE GENERAL, JOHANNESBURG SOGEZAJJ6 STANDARD BANK OF SOUTH AFRICA LTD SBZAZAJJ7/ SWaZIlaNd 1 FIRST NATIONAL BANK OF SWAZILAND LIMITED, MBABANE FIRNSZMX8/ TaNZaNIa 1 CITIBANK TANZANIA LTD, DAR ES SALAAM CITITZTZ

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1. AGRiBANk lEASiNG cOMpANy NO 1 – Alc 1

Head office: 04 Pham Ngoc Thach Street, Dong Da District, HanoiTelephone: (84-4) 35745429 - 35745417Fax: (84-4) 35745423 - 35745431Email: [email protected]: 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 CityTelephone: (84-8) 9241110Fax: (84-8) 9241112Email: [email protected]: http://www.alc2.com.vn 3. AGRiBANk SEcuRiTiES JOiNT – STOck cORpORATiON - AGRiSEcO

Head office: 5th Floor, Artex Building, 172 Ngoc Khanh Street, Ba Đinh District, HanoiTelephone: (04-3) 8687217Fax: (04-3) 8687219 Email: [email protected] Website: http://www.agriseco.com.vn 4. ViETNAM AGRiBANk GOld cORpORATiON JSc. – AJc

Head office: 196 Thai Thinh Street, Dong Da District, HanoiTelephone: 04.35146417 – 35146450Fax: 04.362758108Website: 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 CityTelephone: (84-8) 38210422Fax: (84-8) 38215314Email: [email protected]

6. AGRiculTuRE BANk iNSuRANcE JOiNT – STOck cORpORATiON - ABic

Head office: 343 Doi Can, Ba Dinh District, HanoiTelephone: (84-4) 37622555Fax: (84-4) 37622055Email: [email protected]: www.abic.com.vn

7. AGRiBANk BANkiNG SERVicES cOMpANy liMiTEd - ABSc.,lTd.

Head office: No. 10 Chua Boc Road, Dong Da District, HanoiTelephone: (84-4) 35736642Fax: (84-4) 35736640

8. hAiphONG TRAdiNG ANd iNVESTMENT dEVElOpMENT cOMpANy liMiTEd

Head office: No. 133 Dien Bien Phu, Hong Bang District, Hai Phong CityTelephone: (84-31) 3745701Fax: (84-31) 3745243

SuBSIdIaRIES

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