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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

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