OBS_VALUE: There are additional conditions for foreign credit institutions to obtain a licence such as: a) Do not seriously violate the regulations on banking operations and other laws of the home country within 05 consecutive years preceding the year that the application for licensing is granted and up to the time of issuance of the License permission; b) Experienced in international operations, being rated by international credit rating agencies from a stable level upwards and having the ability to fulfill financial commitments and operate normally even when the economic situation and conditions change in an unfavorable direction.; c) Be profitable in the 5 consecutive years preceding the year when the application for licensing is submitted and to the time of licensing; d) Have total assets of at least US $ 10 billion at the end of the year preceding the year of applying for the License; dd) Being assessed by competent authorities of the home country to ensure capital adequacy ratio, other prudential ratios, fully comply with regulations on risk management and full provisioning according to the regulations of the home country in the year preceding the year of applying for the License and up to the time of granting the License; etc