Decision No. 51/2007/QD-NHNN dated December 31, 2007 of the State Bank on the issuance of Regulation on the credit information activity

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Issuing body:	State Bank of Vietnam	Effective date:	Known Please log in to a subscriber account to use this function. Don’t have an account? Register here
Official number:	51/2007/QD-NHNN	Signer:
Type:	Decision	Expiry date:	Known Please log in to a subscriber account to use this function. Don’t have an account? Register here
Issuing date:	31/12/2007	Effect status:	Known Please log in to a subscriber account to use this function. Don’t have an account? Register here
Fields:	Finance - Banking, Information - Communications

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THE STATE BANK OF VIETNAM -------------	SOCIALIST REPUBLIC OF VIETNAM Independence Freedom Happiness -------------
No. 51/2007/QD-NHNN	Hanoi, December 31, 2007

DECISION

ON THE ISSUANCE OF REGULATION ON THE CREDIT INFORMATION ACTIVITY

THE GOVERNOR OF THE STATE BANK

- Pursuant to the Law on the State Bank of Vietnam issued in 1997 and the Law on the amendment, supplement of several articles of the Law on the State Bank of Vietnam issued in 2003;
- Pursuant to the Law on Credit Institutions issued in 1997 and the Law on the amendment, supplement of several articles of the Law on Credit Institutions issued in 2004;

- Pursuant to the Decree No. 52/2003/ND-CP dated 19/5/2003 of the Government providing for the function, assignment, authority and organizational structure of the State Bank of Vietnam;
- Upon the proposal of Director of Credit Information Center,

DECIDES:

Article 1. To issue in conjunction with this Decision the Regulation on the credit information activity.

Article 2. This Decision shall be effective from 1 July 2008 and replace the following Decisions:

- Decision No. 1117/2004/QD-NHNN dated 8 September 2004 of the Governor of the State Bank on the issuance of Regulation on the credit information activity;

- Decision No. 1003/2005/QD-NHNN dated 8 July 2005 of the Governor of the State Bank on the adjustment, supplement of the Appendix on the classification of outstanding loans (attached to Form K3 - Report on the customers outstanding loans) in the Regulation on the credit information activity issued in conjunction with the Decision No. 1117/2004/QD-NHNN dated 8 September 2004 of the Governor of the State Bank;

- Decision No. 50/2006/QD-NHNN dated 2 October 2006 of the Governor of the State Bank on the supplement, replacement of the Form on information collection and Appendix on the classification of outstanding loans in the Regulation on the credit information activity issued in conjunction with the Decision No. 1117/2004/QD-NHNN dated 8 September 2004 and the Decision No. 1003/2005/QD-NHNN dated 8 July 2005 of the Governor of the State Bank;

- Decision No. 987/2001/QD-NHNN dated 2 August 2001 of the Governor of the State Bank on the issuance of the Regulation on the management, supply and exploitation, use of electronic credit information.

Article 3. The Director of Administrative Department, Heads of units of the State Bank of Vietnam, the Director of the Credit Information Center, General Managers of the State Bank's branches in provinces, cities under the central Governments management, the Chief Representative of the State Bank in Hochiminh city, Chairmen of the Board of Directors and General Directors (Directors) of Credit Institutions, other organizations engaging in banking activity, related organizations and individuals shall be responsible for the implementation of this Decision.

FOR THE GOVERNOR OF THE STATE BANK OF VIETNAM
DEPUTY GOVERNOR

Nguyen Toan Thang

REGULATION

ON THE CREDIT INFORMATION ACTIVITY
(issued in conjunction with the Decision No. 51/2007/QD-NHNN dated 31 December 2007 of the Governor of the State Bank )

Chapter I

GENERAL PROVISIONS

Article 1. Governing scope

This Regulation shall govern the credit information activity of the State Bank, credit institutions, other organizations engaging in banking activity, organizations and individuals using credit information service, in order to serve the management activity of the State Bank, prevent, limit credit risks making contribution to ensuring the security of banking activity and the socio-economic development.

Article 2. Subjects of application

1. Units of the State Bank of Vietnam.

a) The Credit Information Center.

b) Departments and units of the State Bank.

c) The State Bank's branches in provinces, cities under the central Governments management.

2. Credit Institutions, other organizations engaging in banking activity.

3. Other organizations, which and individuals, who use the credit information service.

Article 3. Interpretation

Terms stated in this Regulation shall be construed as follows:

1. Credit information is information of customer who has credit relation with a Credit Institution or another organization engaging in banking activity and other information relating to customer in the credit relation with the Credit Institution or another organization engaging in banking activity.

2. Credit information activity is the collection, processing, keeping and provision, exploitation and use of credit information.

3. Credit information product is periodical, unexpected credit information reports, publications made by the Credit Information Center on the basis of analyzing, synthesizing, assessing information of customers who have credit relation with Credit Institutions or other organizations engaging in banking activity.

4. Credit information service is the provision of credit information products; giving support to solutions of credit information administration and credit risk administration; giving support, providing advice, transfer of technology on credit information administration software; providing advice and giving support to the search of credit information.

5. Customers who have credit relation with credit institutions, other organizations engaging in banking activity including:

a) Customer being organizations: the State owned enterprises, cooperatives, limited liability companies, joint-stock companies, private enterprises, partnership companies, foreign invested enterprises and other organizations (except for subjects stipulated in point 2, Article 2 of this Regulation).

Groups, corporations, holding companies and subsidiaries that perform the independent accounting are considered as a customer.

b) Customer being individuals, family households, and cooperative groups.

c) Customer being credit card holder (individuals or organizations whose credit cards are supplied by credit institutions, other organization engaging in banking activity) including main cardholder and secondary cardholder.

Article 4. Report on norms of credit information

1. Credit institutions, other organizations engaging in banking activity shall have to make report on norms of credit information to the Credit Information Center The State Bank of Vietnam according to the Appendix on reporting norms System of credit information attached to this Regulation.

2. Content, time of report

2.1 Information of legal documents of customers who have credit relation with Credit Institutions, other organizations engaging in banking activity, shall be reported within 3 working days at the latest since the appearance of the first credit relation or variation, change in information of legal document. Specially as follows:

a) For customers being organizations: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being organizations;

b) For customers being individuals, family households, cooperative groups: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being individuals, family households, cooperative groups (that have ordinal number of 26 and from 34 to 39);

c) For customers being credit cardholders: including general information norms of borrowers (who have ordinal number from 01 to 18) and particular information for customers being credit cardholders, including information of loan security asset, credit limit of credit card (who have ordinal number from 34 to 47 and from 233 to 236, 246, 247, 267, 296);

2.2. Information of financial capacity of customers being organization includes: balance sheet, profit/loss statement and cash flow statement (if any) in accordance with the sample form stipulated by the Ministry of Finance. The deadline for the sending of above reports to the Information Center is after 03 working days at the latest since the first credit relation of customer or on April 15th of the following year of the reporting year at the latest for customers having credit relation.

2.3. Information of outstanding loans of customers (to report in case of any change in outstanding loans), shall be periodically reported each 3 working days and at the last working day of each month, including such norms as customer ID, customer name, information of outstanding loan of customers (who have ordinal number of 01, 02, from 48 to 232), and details of each loan that is classified in accordance with provisions. Customers being individuals, family households, cooperative groups (that have ordinal number from 290 to 295) shall make report on further information of consumer loan;

2.4. Information of loan security of customers shall be reported within 3 working days at the latest since the appearance of the first borrowing relation of customers or the change of information.

a) In case of loans pledged by trust, to report such norms as customer ID, customer names address of customers and information of loan security (with the ordinal number of 01, 02, 06 and from 233 to 237).

b) In case of loans with security asset, to report such norms as customer ID, customers names, customer addresses and information of loan security (with ordinal number of 01, 02, 06 and from 238 to 239). Borrowers using security asset of the third party shall make report on further norms of holder of assets (ordinal number of 270) including name, address, peoples identity card or passport of the holder (having ordinal number of 02, 06 and from 35 to 38);

2.5. Information of the guarantee to customers shall be reported on the 10th, at the latest, of the following month for the information at the end of last month (in case of any change), including such norms as customer ID, customer names, customer addresses and information of guarantee to customers (having ordinal number of 01, 02, 06 and from 271 to 289);

2.6. Information of outstanding of credit card (to report in case of any change) shall be reported monthly, on the last working day of each month, including such norms as customer ID, customer names and information of outstanding of credit card (having ordinal number of 01, 02 and from 48 to 59) ;

2.7. Information of customer whose total outstanding loans are equal to or more than 15% of the own capital of the credit institution, other organization engaging in banking activity, shall be reported periodically each 5 working days and on the last working day of each month, including such norms as customer ID, customer name, customer addresses and information of customer whose total outstanding loans are equal to or more than 15% of the own capital of the credit institution, other organization engaging in banking activity (having ordinal number of 01, 02, 06 and from 299 to 307);

2.8. Information of breach of provisions on credit card shall be reported monthly, on the last working day of each month, including such norms as customer ID, customer name and information of credit card (having ordinal number of 01, 02, 297 and 298);

3. The mode of reporting is performed in the form of electronic file in accordance with detailed guidance of the Credit Information Center. Except for information of financial capacity of customer, it shall be reported in written form.

Article 5. Processing, keeping and provision, exploitation and use of information

1. The processing of credit information shall be made at the Credit Information Center through the examination, selection, ensuring the reliability of input information and analyses, synthesis of information, including analyses for enterprise credit ratings, credit scoring to consumer individual in order to establish credit information product.

2. Keeping of credit information

a) Credit information shall be kept, managed safely, confidentially and conveniently for the exploitation and use at the Credit Information Center and standby unit.

b) Duration for the keeping of credit information of one customer is 5 years since the last supplement, update of credit information.

3. Credit Information Center shall provide credit information products and shall be entitled to collect service fee in accordance with provisions of the Governor of the State Bank.

4. Exploitation and use of credit information

4.1. Credit Information Center shall facilitate the exploitation and use of credit information product.

4.2. Organizations which and individuals who exploit and use credit information product shall be obliged to respect the following provisions:

a) To use credit information product in accordance with the purposes stipulated in Article 1 of this Regulation.

b) Not to use credit information product of the Credit Information Center for providing to other organizations, individuals.

Chapter II

RESPONSIBILITIES AND AUTHORITIES OF ORGANIZATIONS, INDIVIDUALS ENGAGING IN CREDIT INFORMATION ACTIVITY

Article 6. Credit Information Center

1. Responsibilities

a) To act as a coordinator in managing, guiding, speeding up the implementation of the credit information activity according to its competence;

b) To establish and provide guidance on codes system, information norms, electronic file forms and common standards relating to the credit information activity of organizations, individuals engaging in the credit information activity.

c) To collect, process the credit information and organize, build, manage the national credit information data bank;

d) To provide Board of Management of the State Bank and units of the State Bank with credit information in accordance with applicable provisions.

e) To provide subjects stipulated in paragraph 2 and 3, Article 2 of this Regulation with credit information services.

g) To support the training of credit information officers of organizations engaging in the credit information activity when required.

2. Authorities

a) To request organizations engaging in the credit information activity to fully, accurately and timely provide the reporting norms of credit information as provided for in Article 4 of this Regulation.

b) To take the lead and cooperate with units of the State Bank, credit institutions, other organizations engaging in banking activity in the implementation of the credit information activity.

c) To examine the reporting and quality of credit information of credit institutions, other organizations engaging in banking activity in accordance with provisions of this Regulation.

d) To be permitted to refuse to provide the credit information services to subjects that do not correctly comply with provisions of this Regulation.

Article 7. Departments, units of the State Bank

1. To be responsible for coordinating with, providing the Credit Information Center with related information within their management scope in order to deploy the implementation of activity and build up a national credit information data bank in accordance with applicable provisions.

2. To be entitled to exploit, use credit information product for the State management work.

3. The State Banks Inspectorate shall be responsible for organizing the inspection of the compliance with this Regulation by credit institutions, other organizations engaging in banking activity.

Article 8. State Bank's branches in provinces, cities under the central Governments management

1. Responsibilities

a) To arrange organization, personnel and related conditions for the implementation of credit information operation in their units.

b) To speed up, examine the implementation of this Regulation by local credit institutions, branches of credit institutions, other organizations engaging in banking activity.

2. Authorities

a) To be permitted to exploit, use credit information products for the management work of the State Bank in the locality.

b) To be permitted to organize the exploitation and provision of the credit information products in accordance with guidance of the Credit Information Center to credit institution, branches of credit institutions, other organizations engaging in banking activity in the locality.

c) To be entitled to receive the support from the Credit Information Center for the training of officers involved in credit information operation.

Article 9. Credit Institutions, other organizations engaging in banking activity

1. Responsibilities

a) To be responsible for the sufficiency, honesty, accuracy and timeliness of credit information norms reported to the Credit Information Center.

b) To design the technical, security process, customer ID and to comply with common standards relating to the credit information activity under the guidance of the Credit Information Center for the unified safe implementation.

c) To exploit and use credit information products in order to prevent, limit risks, improve credit quality.

2. Authorities

a) To be entitled to exploit and use credit information;

b) To be entitled to request the Credit Information Center to verify the accuracy, timeliness of the credit information provided by the Credit Information Center.

c) To be supported by the Credit Information Center in training, guiding officers involved in the credit information operation.

Article 10. Other organizations which and individuals who use credit information

Other organizations and individuals that have a demand for the exploitation and use of the credit information product shall submit their requirement for the exploitation and use of the credit information to the Credit Information Center and comply with provisions on the use of credit information as provided for in this Regulation.

Chapter III

REWARD AND DEALING WITH VIOLATION

Article 11. Reward

Annually, the Credit Information Center shall make report to the Governor of the State Bank on the result of the credit information activity for his consideration of reward to organizations, individuals that make achievements in the credit information activity.

Article 12. Dealing with violation

Organizations, individuals that violate provisions in this Regulation shall be, depending on the nature, seriousness of violation, subject to administrative punishment in accordance with current provisions.

Chapter VII

IMPLEMENTING PROVISIONS

Article 15. The Director of the Credit Information Center shall be responsible for providing guidance on the implementation of this Regulation.

APPENDIX

ON REPORT INDICES OF CREDIT INFORMATION
Applied to the Credit Information Center and credit institutions, other organizations engaging in banking activity

Ordinal number	Norm code	Norm name	Note
I. INFORMATION OF LEGAL DOCUMENT OF CUSTOMERS
1. General information of borrowers
01	K101	Customer ID
02	K102	Customer name
03	K103	Trading name
04	K104	Abbreviated name
05	K105	Contact/Transaction information
06	K1051	Address of head office
07	K1052	Code of head office	As provided for in Decision No. 23/2007/QD-NHNN
08	K1053	Telephone number
09	K1054	Fax number
10	K1055	Website address
11	K1056	Email address
12	K106	Nationality and residence
13	K1061	Nationality
14	K1062	Residence
15	K107	Tax code
16	K108	Business registration certificate
17	K1081	Number of business registration certificate
18	K1082	Date of issue
2. Particular information for customers being organizations
19	K130	Decision on establishment	State-owned enterprise
20	K1301	Number of decision on establishment
21	K1302	Issue date of decision on establishment
22	K1303	Agency issuing the decision on establishment
23	K131	Direct management agency
24	K132	Economic type
25	K133	Economic sector
26	K134	Business line	Stating according to business registration certificate
27	K135	Name, title of Boar of Directors members
28	K136	General Director (Director)
29	K137	Total number of existing employees
30	K138	Chapter capital
31	K1381	VND
32	K1382	Foreign currency converted into USD
33	K139	Branches, subsidiaries, affiliates
3. Particular information for customers being individuals, family households, cooperative groups and credit cardholders
34	K160	Date of birth
35	K161	Identity card/Passport
36	K1611	Number of identity card/Passport
37	K1612	Date of issue
38	K1613	Place of issue
39	K162	Name of wife or husband
40	K163	Remaining duration in Vietnam	For card holder being foreigner (month)
41	K164	Credit card
42	K1641	Card type
43	K1642	Issuing date of card
44	K1643	Expiry date of card
45	K1644	Secondary card
46	K16441	Full name of card holder
47	K16442	Relationship with main cardholder
II. INFORMATION OF OUTSTANDING LOANS OF CUSTOMERS
48	K3	Outstanding loans of customer
49	K301	Outstanding short term loans
50	K30101	Outstanding short term loans in VND standard
51	K30102	Outstanding short term loans in foreign currency standard
52	K30103	Outstanding short term loans in VND that need special mention
53	K30104	Outstanding short term loans in foreign currency that need special mention
54	K30105	Outstanding short term loans in VND - substandard
55	K30106	Outstanding short term loans in foreign currency - substandard
56	K30107	Outstanding short term loans in VND doubtful
57	K30108	Outstanding short term loans in foreign currency doubtful
58	K30109	Outstanding short term loans in VND potentially irrecoverable
59	K30110	Outstanding short term loans in foreign currency potentially irrecoverable
60	K302	Outstanding medium term loans
61	K30201	Outstanding medium term loans in VND standard
62	K30202	Outstanding medium term loans in foreign currency standard
63	K30203	Outstanding medium term loans in VND that need special mention
64	K30204	Outstanding medium term loans in foreign currency that need special mention
65	K30205	Outstanding medium term loans in VND - substandard
66	K30206	Outstanding medium term loans in foreign currency - substandard
67	K30207	Outstanding medium term loans in VND doubtful
68	K30208	Outstanding medium term loans in foreign currency doubtful
39	K30209	Outstanding medium term loans in VND potentially irrecoverable
70	K30210	Outstanding medium term loans in foreign currency potentially irrecoverable
71	K303	Outstanding long term loans
72	K30301	Outstanding long term loans in VND standard
73	K30302	Outstanding long term loans in foreign currency standard
74	K30303	Outstanding long term loans in VND that need special mention
75	K30304	Outstanding long term loans in foreign currency that need special mention
76	K30305	Outstanding long term loans in VND - substandard
77	K30306	Outstanding long term loans in foreign currency - substandard
78	K30307	Outstanding long term loans in VND doubtful
79	K30308	Outstanding long term loans in foreign currency doubtful
80	K30309	Outstanding long term loans in VND potentially irrecoverable
81	K30310	Outstanding long term loans in foreign currency potentially irrecoverable
82	K304	Outstanding debts from the discount of commercial papers and valuable papers
83	K30401	Outstanding debts from the discount of commercial papers and valuable papers in VND standard
84	K30402	Outstanding debts from the discount of commercial papers and valuable papers in foreign currency standard
85	K30403	Outstanding debts from the discount of commercial papers and valuable papers in VND that need special mention
86	K30404	Outstanding debts from the discount of commercial papers and valuable papers in foreign currency that need special mention
87	K30405	Outstanding debts from the discount of commercial papers and valuable papers in VND - substandard
88	K30406	Outstanding debts from the discount of commercial papers and valuable papers in foreign currency - substandard
89	K30407	Outstanding debts from the discount of commercial papers and valuable papers in VND - doubtful
90	K30408	Outstanding debts from the discount of commercial papers and valuable papers in foreign currency - doubtful
91	K30409	Outstanding debts from the discount of commercial papers and valuable papers in VND potentially irrecoverable
92	K30410	Outstanding debts from the discount of commercial papers and valuable papers in foreign currency potentially irrecoverable
93	K305	Outstanding debts from finance leasing
94	K30501	Outstanding debts from finance leasing in VND standard
95	K30502	Outstanding debts from finance leasing in foreign currency standard
96	K30503	Outstanding debts from finance leasing in VND that need special mention
97	K30504	Outstanding debts from finance leasing in foreign currency that need special mention
98	K30505	Outstanding debts from finance leasing in VND - substandard
99	K30506	Outstanding debts from finance leasing in foreign currency - substandard
100	K30507	Outstanding debts from finance leasing in VND - doubtful
101	K30508	Outstanding debts from finance leasing in foreign currency doubtful
102	K30509	Outstanding debts from finance leasing in VND potentially irrecoverable
103	K30510	Outstanding debts from finance leasing in foreign currency potentially irrecoverable
104	K306	Outstanding debts from payables in lieu of customers
105	K30603	Outstanding debts from payables in lieu of customers in VND that need special mention
106	K30604	Outstanding debts from payables in lieu of customers in foreign currency that special mention
107	K30605	Outstanding debts from payables in lieu of customers in VND substandard
108	K30606	Outstanding debts from payables in lieu of customers in foreign currency substandard
109	K30607	Outstanding debts from payables in lieu of customers in VND doubtful
110	K30608	Outstanding debts from payables in lieu of customers in foreign currency doubtful
111	K30609	Outstanding debts from payables in lieu of customers in VND potentially irrecoverable
112	K30610	Outstanding debts from payables in lieu of customers in foreign currency potentially irrecoverable
113	K307	Outstanding loans for funds directly received from international organizations
114	K30701	Outstanding loans for funds directly received from international organizations in VND standard
115	K30702	Outstanding loans for funds directly received from international organizations in foreign currency standard
116	K30703	Outstanding loans for funds directly received from international organizations in VND that need special mention
117	K30704	Outstanding loans for funds directly received from international organizations in foreign currency that need special mention
118	K30705	Outstanding loans for funds directly received from international organizations in VND substandard
119	K30706	Outstanding loans for funds directly received from international organizations in foreign currency substandard
120	K30707	Outstanding loans for funds directly received from international organizations in VND doubtful
121	K30708	Outstanding loans for funds directly received from international organizations in foreign currency doubtful
122	K30709	Outstanding loans for funds directly received from international organizations in VND potentially irrecoverable
123	K30710	Outstanding loans for funds directly received from international organizations in foreign currency potentially irrecoverable
124	K308	Outstanding loans for funds received from the Government
125	K30801	Outstanding loans for funds directly received from the Government in VND Standard
126	K30802	Outstanding loans for funds received from the Government in foreign currency standard
127	K30803	Outstanding loans for funds directly received from the Government in VND that need special mention
128	K30804	Outstanding loans for funds directly received from the Government in foreign currency that need special mention
129	K30805	Outstanding loans for funds directly received from the Government in VND substandard
130	K30806	Outstanding loans for funds directly received from the Government in foreign currency substandard
131	K30807	Outstanding loans for funds directly received from the Government in VND doubtful
132	K30808	Outstanding loans for funds directly received from the Government in foreign currency doubtful
133	K30809	Outstanding loans for funds directly received from the Government in VND potentially irrecoverable
134	K30810	Outstanding loans for funds directly received from the Government in foreign currency potentially irrecoverable
135	K309	Outstanding loans for funds received from other organizations, individuals
136	K30901	Outstanding loans for funds received from other organizations, individuals in VND standard
137	K30902	Outstanding loans for funds received from other organizations, individuals in foreign currency standard
138	K30903	Outstanding loans for funds received from other organizations, individuals in VND that need special mention
139	K30904	Outstanding loans for funds received from other organizations, individuals in foreign currency that need special mention
140	K30905	Outstanding loans for funds received from other organizations, individuals in VND substandard
141	K30906	Outstanding loans for funds received from other organizations, individuals in foreign currency substandard
142	K30907	Outstanding loans for funds received from other organizations, individuals in VND doubtful
143	K30908	Outstanding loans for funds received from other organizations, individuals in foreign currency doubtful
144	K30909	Outstanding loans for funds received from other organizations, individuals in VND potentially irrecoverable
145	K30910	Outstanding loans for funds received from other organizations, individuals in foreign currency potentially irrecoverable
146	K310	Outstanding loans for special purpose
147	K31001	Outstanding loans for special purpose in VND standard
148	K31002	Outstanding loans for special purpose in foreign currency standard
149	K31003	Outstanding loans for special purpose in VND that need special mention
150	K31004	Outstanding loans for special purpose in foreign currency that need special mention
151	K31005	Outstanding loans for special purpose in VND substandard
152	K31006	Outstanding loans for special purpose in foreign currency substandard
153	K31007	Outstanding loans for special purpose in VND doubtful
154	K31008	Outstanding loans for special purpose in foreign currency doubtful
155	K31009	Outstanding loans for special purpose in VND potentially irrecoverable
156	K31010	Outstanding loans for special purpose in foreign currency potentially irrecoverable
157	K311	Outstanding loans for debt repayment
158	K31101	Outstanding loans for debt repayment in VND standard
159	K31102	Outstanding loans for debt repayment in foreign currency standard
160	K31103	Outstanding loans for debt repayment in VND that need special mention
161	K31104	Outstanding loans for debt repayment in foreign currency that need special mention
162	K31105	Outstanding loans for debt repayment in VND substandard
163	K31106	Outstanding loans for debt repayment in foreign currency substandard
164	K31107	Outstanding loans for debt repayment in VND doubtful
165	K31108	Outstanding loans for debt repayment in foreign currency doubtful
166	K31109	Outstanding loans for debt repayment in VND potentially irrecoverable
167	K31110	Outstanding loans for debt repayment in foreign currency potentially irrecoverable
168	K312	Outstanding loans for investment in capital construction under the State plan
169	K31201	Outstanding loans for investment in capital construction under the State plan in VND standard
170	K31202	Outstanding loans for investment in capital construction under the State plan in foreign currency standard
171	K31203	Outstanding loans for investment in capital construction under the State plan in VND that need special mention
172	K31204	Outstanding loans for investment in capital construction under the State plan in foreign currency that need special mention
173	K31205	Outstanding loans for investment in capital construction under the State plan in VND substandard
174	K31206	Outstanding loans for investment in capital construction under the State plan in foreign currency substandard
175	K31207	Outstanding loans for investment in capital construction under the State plan in VND doubtful
176	K31208	Outstanding loans for investment in capital construction under the State plan in foreign currency doubtful
177	K31209	Outstanding loans for investment in capital construction under the State plan in VND potentially irrecoverable
178	K31210	Outstanding loans for investment in capital construction under the State plan in foreign currency potentially irrecoverable
179	K313	Other outstanding loans
180	K31301	Other outstanding loans in VND standard
181	K31302	Other outstanding loans in foreign currency standard
182	K31303	Other outstanding loans in VND that need special mention
183	K31304	Other outstanding loans in foreign currency that need special mention
184	K31305	Other outstanding loans in VND substandard
185	K31306	Other outstanding loans in foreign currency substandard
186	K31307	Other outstanding loans in VND doubtful
187	K31308	Other outstanding loans in foreign currency doubtful
188	K31309	Other outstanding loans in VND potentially irrecoverable
189	K31310	Other outstanding loans in foreign currency potentially irrecoverable
190	K314	Outstanding debts pending settlement
191	K31401	Outstanding debts pending settlement in VND secured by foreclosed assets
192	K31402	Outstanding debts pending settlement in foreign currency secured by foreclosed assets
193	K31403	Outstanding debts in VND secured by the pledged assets which are related to a case pending litigation
194	K31404	Outstanding debts in foreign currency secured by the pledged assets which are related to a case pending litigation
195	K31405	Outstanding of unsettled debts in VND with security assets
196	K31406	Outstanding of unsettled debts in foreign currency with security assets
197	K31407	Outstanding of unsettled debts in VND without security assets and without debtor for debts recovery
198	K31408	Outstanding of unsettled debts in foreign currency without security assets and without debtor for debts recovery
199	K31409	Outstanding of unsettled debts in VND without security assets, but the debtor still exists and is operating
200	K31410	Outstanding of unsettled debts in foreign currency without security assets, but the debtor still exists and is operating
201	K315	Outstanding of frozen debts
202	K31501	Outstanding short-term loans in VND frozen
203	K31502	Outstanding short-term loans in foreign currency frozen
204	K31503	Outstanding medium-term loans in VND frozen
205	K31504	Outstanding medium-term loans in foreign currency frozen
206	K31505	Outstanding long-term loans in VND frozen
207	K31506	Outstanding long-term loans in foreign currency frozen
208	K316	Outstanding loans for investment under trust undertaking contract
209	K31601	Outstanding loans for investment under trust undertaking contract in VND standard
210	K31602	Outstanding loans for investment under trust undertaking contract in foreign currency standard
211	K31603	Outstanding loans for investment under trust undertaking contract in VND that need special mention
212	K31604	Outstanding loans for investment under trust undertaking contract in foreign currency that need special mention
213	K31605	Outstanding loans for investment under trust undertaking contract in VND substandard
214	K31606	Outstanding loans for investment under trust undertaking contract in foreign currency substandard
215	K31607	Outstanding loans for investment under trust undertaking contract in VND doubtful
216	K31608	Outstanding loans for investment under trust undertaking contract in foreign currency doubtful
217	K31609	Outstanding loans for investment under trust undertaking contract in VND potentially irrecoverable
218	K31610	Outstanding loans for investment under trust undertaking contract in foreign currency potentially irrecoverable
219	K317	Outstanding loans under financing contract
220	K31701	Outstanding loans under financing contract in VND - standard
221	K31702	Outstanding loans under financing contract in foreign currency standard
222	K31703	Outstanding loans under financing contract in VND that need special mention
223	K31704	Outstanding loans under financing contract in foreign currency that need special mention
224	K31705	Outstanding loans under financing contract in VND substandard
225	K31706	Outstanding loans under financing contract in foreign currency substandard
226	K31707	Outstanding loans under financing contract in VND doubtful
227	K31708	Outstanding loans under financing contract in foreign currency doubtful
228	K31709	Outstanding loans under financing contract in VND potentially irrecoverable
229	K31710	Outstanding loans under financing contract in foreign currency potentially irrecoverable
230	K318	Settled outstanding loans of customer
231	K31801	Loss of loans in VND being under supervision
232	K31802	Loss of loans in foreign currency being under supervision
III. INFORMATION OF LOAN SECURITY OF CUSTOMERS
233	K41	Pledge of trust
234	K411	Working duration/number of working years
235	K412	Position
236	K413	Monthly average income
237	K414	Credit limit
238	K42	With security asset
239	K4221	Asset code	Being unique, no identical
240	K422	Right of land use and assets tied to land
241	K423	Means of transportation
242	K424	Valuable papers
243	K4241	Bond
244	K4242	Share
245	K4243	Bill
246	K4244	Promissory note
247	K4245	Deposit certificate
248	K4246	Commercial paper
249	K4249	Other paper valuated as money
250	K425	Metal, precious stone
251	K426	Machines, equipments, raw materials, goods
252	K4261	Machines, equipments
253	K4262	Production line
254	K4263	Raw materials
255	K4264	Consumer product
256	K4269	Other goods
257	K427	Other assets that have registered proprietary right and use right
258	K4271	Asset right arising from copyright
259	K4272	Industrial proprietary right
260	K4273	Right of debt collection
261	K4274	Right to be insured
262	K4275	Right of capital contribution to enterprise
263	K4276	Right of natural resource exploitation
264	K4277	Income and rights arising from pledged asset
265	K4279	Other right of assets
266	K428	Other assets
267	K429	Asset description
268	K43	Date of pledge, mortgage
269	K44	Actual date of release of mortgage	making report after release of mortgage
270	K45	Owner of asset	In case of using asset of the third party for pledge, mortgage
IV. INFORMATION OF THE GUARANTEE TO CUSTOMERS
271	K601	Guarantee code
272	K602	Domestic customers	Enterprise
273	K6021	Arising date of guarantee
274	K6022	Maturity date of guarantee
275	K6023	Guaranteed amount
276	K60231	VND
277	K60232	Foreign currency converted into USD
278	K603	International customers	Enterprise
279	K6031	Arising date of guarantee
280	K6032	Maturity date of guarantee
281	K6033	Guaranteed amount
282	K60331	VND
283	K60332	Foreign currency converted into USD
284	K604	Payables in lieu of customers upon violating guarantee
285	K6041	Arising date of debt
286	K6042	Outstanding debts
287	K60421	VND
288	K60422	Foreign currency converted into USD
289	K6043	Reason
V. INFORMATION OF CONSUMER LOANS
290	K801	Purpose of loan capital use
291	K80101	Purchase, repair, building of house
292	K80102	Purchase, repair of means of transportation
293	K80103	Study, tourism, disease treatment,
294	K80104	Purchase of utensils
295	K80199	Other consumer demands that do not violate applicable laws
VI. INFORMATION OF CREDIT CARDS
296	K802	Credit limit of credit card
297	K803	Violation of provisions on credit cards
298	K804	Measures to deal with violation
VII. INFORMATION OF CUSTOMER WHOSE TOTAL OUTSTANDING LOANS ARE EQUAL TO OR MORE THAN 15% OF THE OWN CAPITAL OF THE CREDIT INSTITUTION, OTHER ORGANIZATION ENGAGING IN BANKING ACTIVITY
299	K901	Own capital of CI	As provided for in Decision No. 457/2005/QD-NHNN
300	K902	Total outstanding loans (converted into VND)
301	K903	Latest date of change in outstanding loans
302	K904	Reason for overdraft
303	K9041	Co-financing	Making report on the part of attendant CI
304	K9042	Designation by government
305	K9043	Permission by the Governor of the State Bank
306	K9044	Investment trust
307	K9099	Other	Cleary state the reason

Note: Unit for VND is VND million and 1 USD for converted foreign currency.

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Decision No. 51/2007/QD-NHNN dated December 31, 2007 of the State Bank on the issuance of Regulation on the credit information activity

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