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POLICY ADMIN MONTHLY REPORT POLICY ADMIN MONTHLY REPORT DECEMBER, 2010DECEMBER, 2010

Jessie Chou Jessie Chou ((Chị VânChị Vân))

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Agenda

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Policy admin function chain

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Underwriting Dept

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New business in 2010

Working month 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th 13th

New cases received 1009 463 645 706 821 878 902 989 1132 1037 1224 1510 1396

Issued ratio (%) 92.8 92.0 94.9 95.9 94.0 96.2 95.9 94.6 93.8 95.4 96.3 96.4 94.8

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Incomplete ratio

Working monthNon UW incomplete %,2010

1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th Ave.

Ho Chi Minh 2.4 3.9 4.3 2.3 0.5 0.9 2.7 3.3 1.6 2.6 0.7 3.2 2.4 Hanoi 9.6 7.0 6.2 3.5 0.6 3.7 7.8 11.7 8.9 7.7 7.6 4.3 6.6

Da Nang 1.9 0.0 1.5 0.0 0.0 0.0 4.3 9.4 11.3 0.0 6.7 0.0 2.9 Can Tho 2.2 0.0 6.1 3.5 2.7 2.0 0.0 0.5 1.1 0.6 0.0 0.5 1.6 Dong Nai         4.1 0.0 0.0 2.0 1.9 0.0 0.0 1.8 0.8

Hai Phong                     0.9 1.0 0.2 Company 6.2 6.0 5.3 2.8 1.3 2.1 4.2 6.5 5.6 4.1 3.8 2.8 4.2

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Solutions used to control incomplete ratio on target

Step 1Step 1 Step 2Step 2 Step 3Step 3 Step 4Step 4

Cooperate Cooperate with Training with Training to improve to improve Agent’s Agent’s professional.professional.

Organize Organize exam for exam for SM/BDO SM/BDO filling the app filling the app form.form.

SC’ s SC’ s performance performance evaluation evaluation based on based on incomplete incomplete ratio.ratio.

Incomplete Incomplete case be case be strictly strictly rejected. rejected.

201120114.5%4.5%

201020104.2%4.2%

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Ratio of CFS return within 14 days

Working month 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th Ave.

Ho Chi Minh 91.9 78.1 96.1 93.9 90.4 92.9 97.8 97.0 95.0 95.5 94.7 97.4 93.4

Hanoi 95.7 88.3 98.2 97.1 99.1 98.6 93.4 93.6 94.1 88.4 90.6 94.4 94.3

Da Nang 100 86.8 100 96.5 89.1 100 100 96.0 90.5 95.1 97.7 89.6 95.1

Can Tho 93.3 91.4 98.6 94.2 96.0 96.8 98.1 95.4 85.9 94.6 99.4 99.0 95.2

Dong Nai         88.8 99.2 99.1 95.9 100 94.1 89.8 95.7 95.3

Hai Phong                     83.8 92.1 88.0

Company 95.0 87.0 98.1 95.4 94.6 97.0 96.2 95.1 93.3 92.0 92.2 95.5 94.3

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Solutions used to control CFS return speed on target

Step 1Step 1 Step 2Step 2 Step 3Step 3

Cooperate with Cooperate with Training to Training to enhance agent’s enhance agent’s

serviceservice quality. quality.

SC performance SC performance evaluation base evaluation base on CFS return on CFS return speed.speed.

Implement CFS Implement CFS regulation, CFS regulation, CFS over over 2121 days will be days will be deducted deducted commission.commission.

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Decline base on ME Ratio

20112011ME 13%ME 13%

Decline 18%Decline 18%

20102010ME 7.0%ME 7.0%

Decline 12%Decline 12%

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Revise new Revise new ME regulation ME regulation for better risk for better risk control.control. ME target on ME target on 2011 is going 2011 is going 13%.13%.

Base on Base on Claim/POS’s data to Claim/POS’s data to do Agent ranking.do Agent ranking.To Cooperation To Cooperation with IT set up and with IT set up and record data for record data for agent’s evaluation.agent’s evaluation. Agent’s quality Agent’s quality and Agent service and Agent service become betterbecome better

Revise new Revise new Occ. Class to suit Occ. Class to suit with the market.with the market. Pushing sale, Pushing sale, competitive, and competitive, and risk control.risk control.

AgentAgent rankingranking

ME ME Table Table

Occupation Occupation classclass

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Premium Dept

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TIA Checking Target 201096%

Year 2010 TIA checking %Ave. Unit/wkm

1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th 13th

HCM 100

96.0 97.3 94.3 92.5 96.9 97.1 97.8 96.3 94.7 96.5 94.5 94.8 96.1

Ha Noi

98.0

98.5 96.7 98.1 92.4 99.2 99.0 98.5 96.9 99.4 88.9 - 88.7 96.2

Da Nang

99.2

100 99.7 98.0 98.6 100 94.4 86.7 98.2 95.0 95.8 100 88.9 96.5

Can Tho

94.9

97.7 100 100 93.2 100 100 100 96.6 100 99.2 100 100 98.6

Dong Nai - - - - 97.8 97.2 98.1 99.4 97.2 94.8 96.2 95.6 98.6 97.2 Hai Phong - - - - - - - - - - 100 100 99.2 99.7

Company

93.0

97.8 97.8 97.1 94.1 98.4 97.9 97.3 96.8 97.1 94.1 97.2 93.3 96.3

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TIA Checking

2011201196.5%96.5%

2010201096.3 %96.3 %

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Premium Collection Efficiency

Year 60 days verification %, 2010Unit/wkm Jan Feb Mar Apr May Jun Jul Aug Sep Oct Ave.

HCM 83.7 77.3 80.1 81.9 85.2 82.4 83.3 86.9 83.9 88.1 84.2

Ha Noi 73.9 78.3 74.9 73.2 74.0 60.1 63.5 64.3 63.4 61.8 68.2

Da Nang 74.1 71.8 82.6 69.2 84.6 82.4 78.4 80.1 71.7 77.6 80.0

Can Tho 84.0 74.8 79.8 64.9 71.0 73.7 64.3 64.0 75.1 72.8 71.7

Dong Nai - - - - - 68.3 54.4 71.6 81.0 50.9 66.0

Company 78.7 77.4 77.7 76.0 79.2 70.5 72.6 73.3 71.6 72.3 75.3

Target 201080%

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Premium collection efficiency

2011201176% / 35%76% / 35%

2010201075 % / 33%75 % / 33%

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Prem. Collection – Bank channel (SacomBank)

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POS –Policy Owner ServiceNot-Taken Ratio

Year Not Taken % , 2010

Unit/month 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th Ave

HCM 2.5% 4.1% 1.4% 4.5% 1.9% 3.7% 2.2% 2.7% 1.8% 2.8% 2.8% 2.9% 2.8%

Dong Nai - - - 0.0% 1.8% 1.9% 1.1% 6.4% 1.9% 3.2% 1.5% 4.1% 3.1%

HN 1.7% 3.2% 0.8% 2.4% 4.5% 4.0% 3.7% 1.3% 2.4% 4.1% 5.9% 5.8% 3.8%

DN 6.5% 25.9% 13.3% 9.9% 2.2% 2.4% 0.0% 0.0% 1.2% 0.0% 1.8% 10.5% 6.4%

CT 1.3% 3.7% 7.2% 6.3% 5.5% 2.0% 3.2% 3.6% 3.1% 3.5% 2.3% 1.2% 3.3%

HP - - - - - - - - - 0.0% 0.0% 7.5% 4.2%

Company 2.2% 6.0% 3.4% 4.4% 3.6% 3.5% 2.8% 2.5% 2.3% 3.5% 3.8% 4.7% 3.6%

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POS –Policy Owner ServiceNot-Taken Ratio

Actual 2010 Actual 2010

Target 2011Target 20113.6% 3.6%

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Claimclaim active of 2010

claim payment of 2010

1313

3333

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POS Surrender % ,2010

(million)(million)

Division

Issue case(1~11/2009)

Surrender case(1~11/2010)

Ratio(%)

Stop surrender(base on sur.)

CasesAnnualize. Premium Cases

Annualize. Premium

case %

Ho Chi Minh 2,659

14,429 314

1,866 12.4% 23 7.3%

Ha Noi 6,271

25,841 1804

7,071 28.1%28.1% 26 1.4%1.4%

Da Nang 949

4,196 116

544 12.6% 4 3.4%

Can Tho 273

1,125 34

135 12.2% 0 0%

Staff 46

250 5

17 8.9% 0 0%

Total 10,198

45,840

2,273

9,633 21.7% 53 1.9%

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Action for surrender issue

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CUSTOMER SERVICETarget 2010

92%

Year Successful % of CFS call out, 2010

Unit Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Ave.

HCM

98.4

98.8 100 97.0 100 98.2 97.7 100 100 100 100 99.5 99.1

Ha Noi

94.4

93.4 90.0 91.0 95.0 94.0 92.1 100 99.6 99.6 98.9 99.0 95.6

Da Nang

95.3

98.4 97.8 100 95.0 97.6 97.2 100 100 100 100 95.7 98.1

Can Tho

93.5

89.1 87.2 89 100 97.5 90.5 100 100 100 100 97.8 95.4

Dong Nai - - - 92 97 97.2 98.9 100 100 100 100 95.8 97.9 Hai Phong - - - - - - - - - 100 100 100 100

Company

95.1

91.1 92.3 93.1 97.1 96.4 97.3 100 99.8 99.9 99.6 98.4 96.7

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Project for customer service

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Innovation Customer Service 2011

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Better Service & full supportAim company sales target

SupplierSupplier

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Thanks For Your Attention