8 in 10 Vietnamese intent to use credit card Find more at: http://www.di-onlinesurvey.com

1. June 2015
STUDY ABOUT BANKING INDUSTRY IN
VIETNAM
BY DI-MARKETING (www.di-onlinesurvey.com)

2. 1
SCOPE OF WORK
 The survey was conducted to study about banking service usage
of Vietnamese
 Methodology: Online survey
 Fieldwork time: 3 days (8/06/2015 to 10/06/2015)
 Sample size: N = 1,086
 Geography: 5 key cities
• Ho Chi Minh, Ha Noi, Hai Phong, Da Nang, Can Tho

3. 2
KEY FINDINGS
• Vietcombank, Agribank and Vietinbank, are top 3 banks have highest brand
awareness as well as brand share
• ATM network is the main source of brand awareness
• ATM, transfer money and internet banking are top 3 services used the most
• Trusted bank, nationwide ATM network & have many branches are top 3
reasons for choosing the bank
• 70% customer feel satisfied with their banks
• Offer free charge when withdraw money from ATM and more promotion
programs are things that bank can do the make customers feel more
satisfied
• Transfer money and online shopping are most used activities of online
banking service
• Credit card is a huge potential business for bank since 80% respondents
intend to use this service
• Vietcombank is the top chosen bank to register for credit card service

4. 3
What is your age group?
N=1086
DEMOGRAPHIC INFORMATION
What is your gender?
What is your current living place? What is your current occupation?
50%
25%
24%
0% 10% 20% 30% 40% 50% 60%
18-25
26-30
Over 30
34%
66%
0% 10% 20% 30% 40% 50% 60% 70%
Male
Female
22%
2%
4%
2%
17%
53%
0% 10% 20% 30% 40% 50% 60%
Others
Can Tho
Da Nang
Hai Phong
Hanoi
Ho Chi Minh
2%
3%
4%
5%
10%
15%
29%
32%
0% 5% 10% 15% 20% 25% 30% 35%
Worker
Housewife
Job seeker/retired
Others
Self-employed
Engineer/Doctor/Teacher
Student
Office worker

5. 4
PART 1. AWARENESS & USAGE

6. 5
6%
22%
37%
40%
48%
56%
63%
65%
68%
69%
69%
76%
77%
80%
82%
83%
86%
Others
Standard Chartered
Citi Bank
ANZ
MB Bank
VIB Bank
HSBC
VP Bank
Đông Á
Eximbank
BIDV
ACB
Techcombank
Sacombank
Vietinbank
Agribank
Vietcombank
Which bank below are you aware of?
N=1086
6%
24%
42%
48%
46%
54%
69%
65%
71%
72%
68%
82%
79%
83%
80%
80%
86%
7%
34%
42%
48%
67%
67%
62%
73%
70%
66%
72%
68%
78%
76%
88%
84%
88%
6%
11%
25%
21%
40%
52%
55%
61%
62%
63%
70%
68%
75%
76%
83%
87%
85%
Total HCMC Hanoi Others
VIETCOMBANK, AGRIBANK & VIETINBANK ARE TOP 3 BANKS HAVE
HIGHEST BRAND AWARENESS

7. 6
How do you know those brand?
N=1086
79%
83%
80%
78% 79%
60% 63%
58%
61%
65%
59% 58% 55%
63%
50%
42%
47%
57%
49% 46%
50%
47%
50%
48%
54%
47%
43%
56%
38%
17%
36% 36%
44%
36%
21%
31% 31%
50%
27%
17%
23%
27%
38%
5%
21%
6% 5%
3%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Total Under 18 18-25 26-30 Over 30
See the brand at AMT on street See the brand at payment counter TV commercials
Magazine/newspaper ad Online ads on website (not Facebook) Friends/Relative introduce the brand
Outdoor ad Sales staff call and introduce the brand Facebook ad
Others
ATM IS THE MAIN SOURCE OF BRAND AWARENESS WITH 79%,
FOLLOWING BY SEEING THE BRAND AT PAYMENT COUNTER 60%

8. 7
Which bank below are you using its services the most?
N=1086
21%
23%
18% 18%
15%
11%
13%
24%
13%
8%
22%
19%
11%
15%
11%
8%
6%
15%
9%
7%
12%
4%
2%
6%
8%
2%
3%
3%3% 3%
6%
2%2% 2% 2% 2%2% 2%
3%
1%2%
1%
3%
2%
1% 1% 1%1%
0%
5%
10%
15%
20%
25%
Total HCMC Hanoi Other Provinces
Vietcombank Agribank Vietinbank Đông Á BIDV
ACB Sacombank Techcombank HSBC Eximbank
Others VIB Bank VP Bank MB bank Standard Chartered
ANZ Citi bank
VIETCOMBANK LEADS THE BANKING INDUSTRY WITH 21% MARKET
SHARE, FOLLOWING BY AGRIBANK 15% AND VIETINBANK 13%

9. 8
Which bank below are you aware of?
Which bank below are you using its services the most?
N=1086
86%
83% 82%
80%
77% 76%
69% 69% 68%
65% 63%
56%
48%
40%
37%
22%
6%
21%
15% 13%
6%
4%
7% 8%
3%
11%
2% 3% 2% 2% 0% 0% 1% 2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Awareness
Usage
THERE IS RELATIONSHIP BETWEEN AWARENESS AND USAGE SINCE
TOP 3 BANKS HAVE HIGHEST AWARENESS AND MARKET SHARE

10. 9
Which banking services are you using?
N=1086
76%
76% 77% 76%
42%
39% 39%
50%
39%
31%
45%
49%
35%
33%
35%
40%
34%
26%
32%
50%
30%
25%
27%
40%
27%
17%
23%
46%
9%
4% 5%
23%
8%
3% 4%
22%
2%
2% 1% 1%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Total 18-25 26-30 Over 30
ATM Transfer money Internet banking SMS banking Short term saving
Credit card (Visa, Master,..) Long term saving Unsecured loans Secured loans Others
ATM (76%), TRANSFER MONEY (42%) AND INTERNET BANKING (39%)
ARE TOP 3 SERVICES WHICH ARE USED THE MOST

11. 10
N=1086
Which banking service do you use the most frequent?
51% 52%
40%
61%
42%
32%
52%
63%
45%
12%
17%
22%
5%
14%
3%
5%
12%
2%
8%
7%
2%
11%
9%
11%
7%
10%
8%
6%
8%
6%
13%
19%
14%
3%
14%
6%
5%
13%
5% 8%
3%
10%
3%
10%
6% 4% 7% 6% 8%
24%
5%
2% 12%
6% 7% 6% 6% 6%
3%
10%
8% 0%
1% 1% 1% 5% 5% 7%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Secured loans
Unsecured loans
Others
Credit card (Visa, Master,..)
Long term saving
SMS banking
Short term saving
Transfer money
Internet banking
ATM
50% CUSTOMERS USE ATM SERVICE MOST FREQUENT, FOLLOWING
BY INTERNET BANKING (12%)
For raising capital, the bank should focus on targeting housewife segment

12. 11
Why do you choose to use the service of that bank?
Total
N=1086
10%
11%
13%
14%
20%
25%
26%
27%
30%
31%
32%
38%
43%
44%
48%
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
International bank
Low loaning interest
High saving interest
Free charge when withdraw money from ATM
Have many promotion/discount campaigns
Low service charge (annual fee, membership fee,..)
Friends/relative recommend the bank to me
Good customers' information security system
Good customer service
Good service quality
Salary payment through that bank
Simple procedure
Bank have many branches
Bank have a nation wide ATM network
Trusted bank
TRUSTED BANK, HAVE NATIONWIDE ATM NETWORK AND MANY
BRANCHES ARE TOP REASONS FOR CHOOSING THE BANK

13. 12
19%
59%
50%
35%
29% 25% 23% 21% 21% 21% 18% 18% 15% 13% 13% 12% 10%
0%
52%
29%
32%
41% 57%
25%
52% 58%
50%
58%
58%
39%
55%
46%
63%
51% 54% 75%
27%
12%
18%
24%
0% 25%
21%
29%
19% 21%
43%
29%
36%
24%
34%
36%
25%
2%
14%
25%
2% 2% 1%
4%
1% 3%
25%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
Do you satisfy with your current bank?
N=1086
OVERALL, 70% CUSTOMERS FEEL SATISFIED WITH THEIR CURRENT
BANK’S SERVICES
HSBC has highest customer satisfaction 88%, while Agribank has lowest level of customer
satisfaction with 59%

14. 13
Do you satisfy with your current bank?
N=1086
VIETCOMBANK, VIB BANK AND HSBC HAVE HIGHEST CUSTOMER
SATISFACTION LEVEL IN ITS GROUP
19% 21% 18%
13% 12%
50%
35%
23% 21% 18% 15% 13% 10%
59%
29% 25%
0%
52%
58%
58%
46% 51%
32%
41%
52% 58%
39%
55% 63%
54%
29%
57%
25% 75%
27%
19% 21%
36%
34%
18%
24% 25%
21%
43%
29%
24%
36%
12%
0%
0%
25%
2% 2% 2% 4% 3% 0% 0% 0% 0% 0% 1% 1% 0% 0%
14%
25%
0%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
State Own Private Own Foreign Own

15. 14
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
Vietcombank
N=227
4%
5%
6%
6%
16%
19%
24%
26%
29%
33%
35%
41%
42%
48%
53%
0% 20% 40% 60%
Low loaning interest
High saving interest
International bank
Free charge when withdraw money from ATM
Have many promotion/discount campaigns
Friends/relative recommend the bank to me
Low service charge (annual fee, membership…
Good customers' information security system
Good customer service
Salary payment through that bank
Good service quality
Simple procedure
Bank have many branches
Trusted bank
Bank have a nation wide ATM network
21%
58%
19%
0%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
VIETCOMBANK IS CHOSEN BY HAVING NATIONWIDE ATM NETWORK
8 in 10 customers feel satisfied with the bank

16. 15
Agribank
N=164
3%
9%
9%
9%
10%
17%
18%
19%
21%
23%
24%
27%
47%
47%
48%
0% 20% 40% 60%
International bank
High saving interest
Free charge when withdraw money from ATM
Low loaning interest
Have many promotion/discount campaigns
Good customer service
Low service charge (annual fee, membership…
Good service quality
Good customers' information security system
Friends/relative recommend the bank to me
Simple procedure
Salary payment through that bank
Bank have many branches
Trusted bank
Bank have a nation wide ATM network
13%
46%
36%
4%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very
Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
AGRIBANK IS CHOSEN BY HAVING NATIONWIDE ATM NETWORK
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
Only 59% customers feel satisfied with the bank
Agribank has 2nd biggest share in banking industry, however it has the lowest customer’s
satisfaction. Agribank should consider to take right action to solve this issue

17. 16
Vietinbank
N=146
5%
8%
11%
12%
17%
18%
20%
21%
22%
28%
31%
31%
43%
43%
44%
0% 20% 40% 60%
International bank
Low loaning interest
Free charge when withdraw money from ATM
High saving interest
Have many promotion/discount campaigns
Good customers' information security system
Good customer service
Low service charge (annual fee, membership…
Good service quality
Friends/relative recommend the bank to me
Salary payment through that bank
Simple procedure
Bank have a nation wide ATM network
Trusted bank
Bank have many branches
12%
51%
34%
3%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
VIETINBANK IS CHOSEN BY HAVING MANY BRANCHES
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
63% customers feel satisfied with the bank

18. 17
3%
6%
8%
13%
14%
24%
25%
29%
29%
29%
32%
35%
36%
37%
38%
0% 20% 40% 60%
International bank
Low loaning interest
High saving interest
Have many promotion/discount campaigns
Good customers' information security system
Friends/relative recommend the bank to me
Salary payment through that bank
Free charge when withdraw money from ATM
Low service charge (annual fee, membership…
Good service quality
Good customer service
Simple procedure
Bank have many branches
Trusted bank
Bank have a nation wide ATM network
Dong A
N=118
15%
55%
29%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
DONG A BANK IS CHOSEN BY HAVING NATIONWIDE ATM NETWORK
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
70% customers feel satisfied with the bank

19. 18
BIDV
N=89
6%
9%
9%
13%
13%
20%
28%
34%
35%
39%
40%
43%
45%
46%
55%
0% 20% 40% 60%
International bank
Low loaning interest
Free charge when withdraw money from ATM
High saving interest
Have many promotion/discount campaigns
Low service charge (annual fee, membership fee,..)
Friends/relative recommend the bank to me
Good service quality
Good customer service
Good customers' information security system
Salary payment through that bank
Bank have many branches
Simple procedure
Bank have a nation wide ATM network
Trusted bank
18%
58%
21%
2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very
Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
BESIDE TRUSTED BANK, BIDV IS CHOSEN BY HAVING NATIONWIDE
ATM NETWORK AND SIMPLE PROCEDURE
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
76% customers feel satisfied with the bank

20. 19
ACB
N=80
9%
11%
13%
14%
15%
21%
23%
23%
25%
29%
34%
38%
39%
44%
51%
0% 20% 40% 60%
International bank
Low loaning interest
High saving interest
Salary payment through that bank
Free charge when withdraw money from ATM
Have many promotion/discount campaigns
Low service charge (annual fee, membership fee,..)
Friends/relative recommend the bank to me
Good customers' information security system
Good customer service
Good service quality
Bank have a nation wide ATM network
Simple procedure
Bank have many branches
Trusted bank
13%
63%
24%
1%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very
Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
BESIDE TRUSTED BANK, HAVE MANY BRANCHES AND SIMPLE
PROCETURE ARE THE REASONS FOR CHOOSING ACB BANK
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
79% customers feel satisfied with the bank

21. 20
Sacombank
N=64
11%
14%
16%
20%
20%
23%
27%
31%
31%
33%
33%
41%
44%
45%
56%
0% 20% 40% 60%
International bank
Low loaning interest
High saving interest
Free charge when withdraw money from ATM
Low service charge (annual fee, membership fee,..)
Salary payment through that bank
Friends/relative recommend the bank to me
Good customers' information security system
Good customer service
Have many promotion/discount campaigns
Good service quality
Bank have a nation wide ATM network
Simple procedure
Bank have many branches
Trusted bank
23%
52%
25%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very
Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
BESIDE TRUSTED BANK, SACOMBANK IS CHOSEN BY HAVE MANY
BRANCHES AND SIMPLE PROCEDURE.
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
75% customers feel satisfied with the bank

22. 21
Techcombank
N=39
21%
21%
23%
23%
26%
31%
36%
38%
38%
38%
38%
46%
46%
51%
51%
0% 20% 40% 60%
Low loaning interest
Free charge when withdraw money from ATM
International bank
High saving interest
Low service charge (annual fee, membership fee,..)
Have many promotion/discount campaigns
Salary payment through that bank
Friends/relative recommend the bank to me
Good customers' information security system
Good service quality
Bank have a nation wide ATM network
Good customer service
Bank have many branches
Simple procedure
Trusted bank
10%
54%
36%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very Unsatisfied
Unsatisfied
Neutral
Satisfied
Very satisfied
BESIDE TRUSTED BANK, TECHCOMBANK IS HIGHLY APPRECIATED
FOR SIMPLE PROCEDURE.
Why do you choose to use the service of that bank?
Do you satisfy with your current bank?
64% customers feel satisfied with the bank

23. 22
Total
What things that bank should improve to make you feel more satisfied?
N=1086
4%
17%
18%
20%
21%
22%
24%
29%
32%
35%
38%
41%
41%
48%
0% 10% 20% 30% 40% 50% 60%
None
Improving in staff's attitude
Improving in customers' information security system
Support utilites payment
Lower loaning interest
Simplify loaning procudure
Have more branches
Others
ATM aways available to service
Higher saving interest
Expand ATM network
Reduce service charge (annual fee, membership fee,..)
Have more promotion/discount campaigns
Free charge when withdraw money from ATM
FREE ATM SERVICE CHARGE IS MOST IMPORTANT THING THAT BANK
SHOULD OFFER TO MAKE THEIR CUSTOMERS FEEL HAPPIER

24. 23
What things that bank should improve to make you feel more satisfied?
3%
15%
16%
17%
17%
18%
21%
26%
27%
31%
35%
36%
46%
57%
0% 20% 40% 60% 80%
None
Improving in customers' information security…
Improving in staff's attitude
Lower loaning interest
Simplify loaning procudure
Support utilites payment
Have more branches
ATM aways available to service
Others
Higher saving interest
Expand ATM network
Have more promotion/discount campaigns
Reduce service charge (annual fee, membership…
Free charge when withdraw money from ATM
Vietcombank
N=227
3%
16%
17%
18%
19%
21%
21%
30%
33%
33%
34%
36%
38%
55%
0% 20% 40% 60%
None
Improving in customers' information security…
Support utilites payment
Have more branches
Improving in staff's attitude
Lower loaning interest
Simplify loaning procudure
Higher saving interest
Others
Reduce service charge (annual fee,…
ATM aways available to service
Have more promotion/discount campaigns
Expand ATM network
Free charge when withdraw money from ATM
Agribank
N=164
FREE OF ATM SERVICE CHARGE IS THE THING THAT CUSTOMERS
DESIRE FOR BOTH VIETCOMBANK & AGRIBANK
Customers also expect Vietcombank reduce
its service fee
Expanding ATM network is the thing Agribank
could do to gain higher satisfaction

25. 24
2%
12%
16%
18%
19%
19%
21%
21%
31%
36%
40%
40%
49%
53%
0% 20% 40% 60%
None
Improving in customers' information security…
Improving in staff's attitude
Have more branches
Support utilites payment
Lower loaning interest
Others
Simplify loaning procudure
ATM aways available to service
Expand ATM network
Reduce service charge (annual fee,…
Higher saving interest
Have more promotion/discount campaigns
Free charge when withdraw money from ATM
Vietinbank
N=146
5%
8%
13%
13%
14%
14%
20%
27%
31%
35%
36%
38%
40%
41%
0% 20% 40% 60%
None
Improving in staff's attitude
Improving in customers' information security…
Simplify loaning procudure
Lower loaning interest
Support utilites payment
Others
Have more branches
Higher saving interest
Reduce service charge (annual fee,…
Have more promotion/discount campaigns
Free charge when withdraw money from ATM
ATM aways available to service
Expand ATM network
Dong A
N=118
What things that bank should improve to make you feel more satisfied?
TO MAKE CUSTOMERS FEEL HAPPIER, VIETINBANK CAN OFFER FREE
ATM CHARGE WHILE DONG A COULD EXPAND ITS ATM NETWORK

26. 25
What things that bank should improve to make you feel more satisfied?
BIDV
N=89
ACB
N=80
3%
18%
18%
20%
24%
25%
26%
29%
34%
38%
40%
46%
51%
65%
0% 20% 40% 60% 80%
None
Improving in staff's attitude
Improving in customers' information security…
Support utilites payment
Lower loaning interest
Simplify loaning procudure
Have more branches
Others
ATM aways available to service
Expand ATM network
Higher saving interest
Reduce service charge (annual fee, membership…
Have more promotion/discount campaigns
Free charge when withdraw money from ATM
6%
15%
15%
18%
18%
18%
19%
21%
23%
24%
34%
38%
38%
38%
0% 20% 40%
None
Simplify loaning procudure
Have more branches
Improving in customers' information security system
Support utilites payment
Lower loaning interest
ATM aways available to service
Improving in staff's attitude
Free charge when withdraw money from ATM
Expand ATM network
Higher saving interest
Others
Reduce service charge (annual fee, membership…
Have more promotion/discount campaigns
BIDV SHOULD OFFER FREE ATM CHARGE WHILE ACB BANK COULD
GIVE CUSTOMERS MORE PROMOTION/DISCOUNT

27. 26
What things that bank should improve to make you feel more satisfied?
Sacombank
N=64
Techcombank
N=39
8%
11%
16%
19%
20%
20%
20%
23%
28%
34%
36%
39%
42%
53%
0% 20% 40% 60%
None
Improving in staff's attitude
Improving in customers' information security…
Simplify loaning procudure
Support utilites payment
Have more branches
Others
Lower loaning interest
ATM aways available to service
Have more promotion/discount campaigns
Expand ATM network
Higher saving interest
Reduce service charge (annual fee, membership…
Free charge when withdraw money from ATM
3%
13%
18%
23%
26%
28%
31%
31%
33%
33%
33%
41%
46%
49%
0% 20% 40% 60%
None
Improving in staff's attitude
Improving in customers' information security…
Have more branches
Others
Support utilites payment
Lower loaning interest
Simplify loaning procudure
ATM aways available to service
Higher saving interest
Expand ATM network
Free charge when withdraw money from ATM
Reduce service charge (annual fee, membership…
Have more promotion/discount campaigns
FREE ATM CHARGE AND MORE PROMOTION/DISCOUNT ARE WHAT
CUSTOMERS EXPECT FROM SACOMBANK AND TECHCOMBANK

28. 27
PART 2. INTERNET BANKING USAGE

29. 28
N=1086
39% RESPONDENTS ARE USING INTERNET BANKING SERVICE
39%
61%
0% 10% 20% 30% 40% 50% 60% 70%
Yes
No
Internet banking usage incidence

30. 29
If you use internet banking service, what activity do you use the most?
N=424
36%
31%
45%
34%
35%
34%
26% 45%
16%
17%
19%
12%
13%
18%
10% 9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total 18-25 26-30 Over 30
Other
Account balance check
Utility payment
Shopping online
Transfer money
TRANSFERRING MONEY (36%) AND SHOPPING ONLINE (35%) ARE
MAIN PURPOSES FOR USING INTERNET BANKING

31. 30
40%
42%
34%
41%
18%
21%
19%
10%
15%
18%
13% 13%15%
16%
11%
13%
13%
14%
13%
10%
13%
15% 13%
7%
4% 4%
6%
4%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
Total 18-25 26-30 Over 30
I don’t have demand Other
High service charge I'm not aware of that service
Complex register procedure Don't trust information security system
I don’t have internet
If you don’t use internet banking service, what are reasons?
N=662
DON’T HAVE DEMAND IS THE MAIN REASON FOR NOT USING
INTERNET BANKING SERVICE

32. 31
PART 3. CREDIT CARD USAGE INTENTION

33. 32
N=1086
30% RESPONDENTS ARE USING CREDIT CARD SERVICE
30%
70%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Yes
No
Credit card usage incidence

34. 33
76%
63%
71%
82%
76% 74%
87%
24%
37%
29%
18%
24% 26%
13%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
No
Yes
Do you want to have a credit card? (for those who don’t own a credit card)
N=766
76% 81%
74%
82% 77% 81%
59%
50% 54%
24% 19%
26%
18% 23% 19%
41%
50% 46%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
No
Yes
76% PEOPLE INTEND TO HAVE A CREDIT CARD
People with income over $1000 have
highest intention to own a credit card
White collar workers is the potential group to
target

35. 34
If yes, what are criteria for choosing a bank to open credit card?
N=576
2%
22%
29%
36%
32%
46%
50%
45%
51%
48%
61%
57%
4%
19%
31%
25%
35%
40%
39%
39%
40%
52%
47%
47%
2%
32%
33%
38%
40%
49%
49%
54%
56%
60%
60%
64%
2%
26%
31%
35%
37%
47%
48%
49%
52%
54%
58%
59%
0% 10% 20% 30% 40% 50% 60% 70%
Others
International bank
Longer interest free period
Various payment methods
High credit level
Accepted for payment internationally
Bank have nationwide branches
Good information security system
Have many promotion/discoun program
Low annual fee
Simple register procedure
Trusted bank
Total
Ho Chi Minh
Hanoi
Others
TRUSTED BANK AND SIMPLE REGISTER PROCEDURE ARE THE KEYS
CRITERIA FOR CHOOSING A BANK TO OPEN CREDIT CARD

36. 35
What bank do you prefer to register for credit card?
N=582
24% 23%
29%
23%
10%
7%
9%
16%
10%
4%
23%
13%
9%
11%
3%
10%8%
13%
1% 4%8%
4%
9%
12%8%
12%
5%
3%8%
11% 0%
6%
5% 7%
6%
2%
2% 2%
1%
3%
2%
4%
0%
2%
6%
2%
1% 4% 1%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Ho Chi Minh Hanoi Others
Citi Bank
VP Bank
MB bank
Other
Standard Chartered
VIB Bank
Eximbank
Techcombank
ANZ
Sacombank
HSBC
BIDV
ACB
Đông Á
Vietinbank
Agribank
Vietcombank
PEOPLE PREFER TO REGISTER FOR A CREDIT CARD AT VIETCOMBANK
THE MOST (24%), FOLLOWING BY AGRIBANK AND VIETINBANK (10%)
People live in Hanoi have high intention to open credit card at ANZ bank

37. 36
What are purposes for using credit card?
N=576
69% 69%
75%
62%
67% 67% 68%
63%64% 66%
70%
54%
46%
47%
50%
39%43% 41%
51%
36%40%
44%
36%
38%
4% 3% 5%
2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Total 18-25 26-30 Over 30
Shopping Online shopping Use when don't have cash
Use when run out of money Use when go eating out International payment
Others
SHOPPING IS THE MAIN PURPOSE FOR USING CREDIT CARD

38. 37
What are the reasons for don’t want to use credit card?
N=183
56%
52%
62%
60%
33%
25%
48%
40%
20%
13%
24%
31%
14% 10%
20%
7%
28%
18%
14%
7%
24%
20%
13% 12%
10%
18%
12%
11%
21%
11%
11%
7%
7%
18%
7%
11%
7%
6% 7% 3%
7%
0%
10%
20%
30%
40%
50%
60%
70%
Total 18-25 26-30 Over 30
I don't have demand Can't not control spending High annual fee
Limit in payment method Don't trust information security system High interest
Complex register procedure Can't prove my income Short interest free period
Others I'm not aware of that service
DON’T HAVE DEMAND AND CAN NOT CONTROL SPENDING ARE MAIN
REASONS FOR NOT USING CREDIT CARD

39. 38
CONTACT US
• Japan & Taiwan:
o Address: 3 Chome-2-6 Kasumigaseki, Chiyoda, Tokyo 100-0013, Japan
o Contact person: Mr. Hideyuki Kato (CEO)
o Email: hideyuki.kato@di-mktg.com
o Contact number: +81 3-5532-3200
• Vietnam:
o Address: 9-15, Vincom center, 45A Ly Tu Trong, Ben Nghe ward, District 1,
Ho Chi Minh City, Vietnam
o Contact person: Mr. Ho Hai Dang (Manager - DI Marketing)
o Email: dang.hohai@di-marketing.com.vn
o Contact number: +84 902-73-9944
• Thailand:
o Address: 30 Raffles Place, #19-02 Chevron House, Singapore 048622
o Contact person: Ms. Woon Khiaozen (Manager - DI Marketing)
o Email: woon.k@di-mktg.com
o Contact number: +66 092-282 7992

40. 39
CONTACT US
• Singapore, Indonesia, Malaysia:
o Address: 30 Raffles Place, #19-02 Chevron House, Singapore 048622
o Contact person: Mr. Hendry Pratama (Manager - DI Marketing)
o Email: pratama.hendry@dreamincubator.com.sg
o Contact number: +65 6671 9290 | +65 8518 3870
• India:
o Address: 30 Raffles Place, #19-02 Chevron House, Singapore 048622
o Contact person: Mr. Sujit Kunte (Regional representative)
o Email: kunte.sujit@dreamincubator.com.sg
o Contact number: +65 9127 7654

41. 40