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b) Calculation

Balance of credits granted at the last working day of the reporting
period of credit institutions, foreign banks' branches to legal entities,
individuals being residents of Vietnam in non-financial institution sector,
household institution sector, non-profit institution sector serving households
by currency (VND, foreign currency), by term (short, medium and long term).

INSURANCE

Social insurance refers a guarantee to replace or partially compensate
employees' income when his/her income is reduced or lost due to illness,
maternity, work accident, occupational disease, or end of working age or
death, on the basis of contributions to the social insurance fund.

Compulsory social insurance refers to a type of state-run social
insurance in which the participation of employees and employers is
compulsory.

Voluntary social insurance refers to a type of state-run social
insurance of which a participator can join voluntarily, select suitable
premium rates and modes of premium payment to his/her income and
receive premium assistance from the State in order to get benefit for pension
and death gratuity.

Number of social insurance beneficiaries refers to number of persons
who participate in and to get benefit from social insurance (it is counting the
number of persons, regardless how many types of social insurance one
person is paid).

Health insurance is a form of a state-run compulsory insurance
applying for the persons under Health insurance Law to provide non-profit
health care service.

Number of health insurance beneficiaries refers to number of persons
who participate in health insurance and get benefit from medical care and
treatment (it is counting the number of health insurance check-
ups/treatments).

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