Major Industry Groups in the Industry Indicators

APPENDIX

Appendix No. 01

Non-financial indicators

1. Ability to repay debt from cash flow

Ability to repay medium and long term principal.

Calculation formula: (Expected net income after tax + Expected depreciation expense in the coming year)/ Expected investment loan due in the coming year.

Ability to repay medium and long-term principal for medium and long-term loans

investment in short-term assets

Calculation formula: (Accounts receivable at the beginning of the period + Revenue during the period - Accounts receivable at the end of the period in the next year) * ratio of medium and long-term loans to invest in short-term assets/ Medium and long-term loans to invest in short-term assets expected to be due in the next year.

Net cash flow trend (data can be obtained by direct or indirect method)

Customer's debt repayment source as assessed by credit officer (debt repayment source includes business activities and other debt repayment sources, for example: parent company pays debt on behalf)

2. Management level and internal environment

Criminal record of the head of the enterprise and/or Chief Accountant

Management experience of the person directly managing the enterprise Education level of the person directly managing the enterprise

Management capacity of the person directly managing the enterprise as assessed by the credit officer. Assessment is based on the following criteria:

- Dynamic, responsive to the market;

- Ability to attract and use talent;

- Company management and operation capacity;

- Role/imprint on business development.

Relationship of the Board of Directors with governing bodies and relevant ministries and branches (excluding Agribank)

The dynamism and sensitivity of the Board of Directors to market changes as assessed by credit officers

Internal control environment, organizational structure of the enterprise according to credit officer's assessment

The internal human resource environment of the enterprise as assessed by credit officers. Evaluation criteria:

- Healthy and fair competitive working environment;

- Human resource policy: recruitment, training and treatment of talents, working conditions, welfare regime, reward and discipline policies, salary, promotion;

- Is the implementation of policies transparent, effective and strict? What is the vision and business strategy of the enterprise in the period from 2010 to 2020?

for the next 5 years

Maybe you are interested!

3. Relationship with Bank

Customer's debt repayment history (including principal and interest) in the past 12 months Number of debt restructurings (including principal and interest) in the past 12 months

Ratio of restructured debt (principal) to total outstanding debt (principal) at the time of assessment

Overdue debt status of current outstanding debt

Relationship history for off-balance sheet commitments (letters of credit, guarantees, other payment commitments, etc.)

Status of providing customer information as requested by Agribank in the past 12 months

Proportion of bank-financed sales in total revenue (in the past 12 months) compared to proportion of bank financing in total financed capital of the enterprise

Level of use of services (deposits and other services) of Agribank Time of credit relationship with Agribank

Overdue debt status at other banks in the past 12 months

Orientation of credit relations with customers from the perspective of credit officers

Ratio of overdue debt/total outstanding debt at the time of assessment

4. External factors

Industry Outlook

Ability of new businesses to enter the market (same industry/business sector) as assessed by credit officers

The possibility that a company's products will be replaced by "substitute products"

Stability of input materials/ Input costs (volume and price)

Government and State policies

The impact of policies of countries - the main export markets of enterprises

The level of dependence of business activities on natural conditions

5. Industry-specific indicators

Impact of policies of foreign transport markets Flight safety history in the last 5 years

6. Operating characteristics

other movement

Impact of internal personnel changes on business operations of enterprises in the past 2 years

Ability to access capital sources to finance business operations

Business development prospects according to credit officer's assessment Average age of power plants

Business location advantage

Source: Agribank, 2000-2014

Appendix No. 02

Scoring business size

STT

Criteria	Value	Point
		From 50 billion VND or more	30
		From 40 billion VND to under 50 billion VND	25
1	Business capital	From 30 billion VND to under 40 billion VND From 20 billion VND to under 30 billion VND	20 15
		From 10 billion VND to under 20 billion VND	10
		Under 10 billion VND	5
		From 1500 people or more	15
		From 1000 people to less than 1500 people	12
2	Labor	From 500 people to less than 1000 people From 100 people to less than 500 people	9 6
		From 50 people to less than 100 people	3
		Under 50 people	1
		From 200 billion VND or more	40
		From 100 billion VND to under 200 billion VND	30
3	Net revenue	From 50 billion VND to under 100 billion VND From 20 billion VND to under 50 billion VND	20 10
		From 5 billion VND to under 20 billion VND	5
		Under 5 billion VND	2
		From 10 billion VND or more	15
		From 7 billion VND to 10 billion VND	12
4	Submit budget	From 5 billion to 7 billion VND From 3 billion to 5 billion VND	9 6
		From 1 billion to 3 billion VND	3
		Under 1 billion VND	1

Appendix No. 03

10 main industry groups in the industry index

1. Agriculture, forestry and fisheries

2. Mining

3. Processing and manufacturing industry

4. Production and distribution of electricity and gas

5. Construction and real estate business

6. Commerce

7. Warehouse transportation

8. Accommodation, food and entertainment services

9. Information and communication

10. Medical services, education and training, consulting and other services

Source: Agribank, 2000-2014

Appendix No. 04

Scoring criteria for household and individual customers

PART 1. PERSONAL INFORMATION (12 items)

1	Year old
2	Education level
3	Criminal record
4	Accommodation status
5	Number of people who are directly and continuously economically dependent on the borrower (in the family)
6	Family structure
7	Life insurance
8	Nature of current job
9	Current job tenure
10	Occupational risks (unemployment risks, human risks...)
11	Assessment of family members' personal background
12	Loan officer's assessment of the borrower's relationship with family members
PART 2. ABILITY TO PAY DEBT OF THE BORROWER (4 criteria)
1	Stable monthly net income
2	Ratio between debt repayment source and amount to be paid during the period (principal + interest) according to debt repayment plan
3	Principal and interest repayment status with Agribank
4	Services currently used at Agribank
PART 3. TSBĐ INFORMATION
1	TSBĐ type
2	Property properties
3	Value of collateral / Proposed portion of loan secured by that asset
4	Trend of decreasing value of collateral in the past 12 months according to credit officer's assessment

Source: Agribank, 2000-2014

Note: The TSBĐ information section does not form part of the customer's score or rating. This information is used for credit decision support purposes only.

Appendix No. 05 Financial indicators

Liquidity ratio

1. Current payment capacity

2. Fast payment ability

3. Instant payment capability

Performance indicators

4. Working capital turnover

5. Inventory turnover

6. Accounts receivable turnover

7. Fixed asset utilization efficiency

Debt balance indicator

8. Total liabilities/ Total assets