• (The average deposit balance over the previous 12 months or the committed deposit balance to be maintained within the next 6 months) and (the total net asset value (NAV) with Vietcombank partners (*), over the previous 12 months or at the identification date) from VND 2 billion; of which the deposit balance must be at least VND 1 billion; or
• The average deposit balance over the previous 12 months or the committed deposit balance to be maintained within the next 6 months from the identification date, from VND 2 billion or more; or
• Average balance of non-term deposits (CASA) over the preceding 12 months from 500 million VND; or
• The total net asset value (NAV) with Vietcombank partners (*), over the previous 12 months or at the identification date, from VND 5 billion or more; applicable to Customers who have linked VCB bank account with fund certificate trading account/securities trading account and have agreed to share information. (*) Including: VCBS, VCBF or other VCB’s partners

The average outstanding loan balance over the previous 12 months or the committed outstanding loan balance over the next 6 months from the identification date, from VND 3 billion or more.

Customers with at least 01 insurance contract with FWD distributed by VCB (still effective and issued within a maximum of 3 years from the identification date) and with a cumulative insurance premium amount paid of 100 million VND or more over the last consecutive 12 months.

Satisfy the following 2 conditions at the same time:

Condition 1: Meet 1 of the following 4 criteria:

• Average saving balance of the recent 12 months or at the time at least VND 1.5 billion
• Average outstanding loan of the recent 12 months or at the identification time at least VND 2 billion
• Being Vietcombank Platinum credit cardholder or above and have total credit card spending volume of the recent 12 months (including volume of all credit cards, excluding spending volume authorized by company) at least 200 million VND
• Total premium paid (including all FWD insurance contracts distributed by Vietcombank) for customers who have at least 01 FWD insurance contract distributed by VCB (valid and have the issuance date within 3 years from the date of identification) of the recent 12 months at least VND 70 million.

Condition 2: Reach 10 points as the following “Equivalence Point Regulation”: