(46.5%) Mobit Co., Ltd. (50%) M&T Information Technology Co., Ltd. (50%) Dah Sing Financial Holdings Limited (15.1%) (Hong Kong) Morgan Stanley (22.4%) (United States) Chong Hing Bank (9.66%) Union Bank N.A. (100%) (USA) Vietinbank (20%), with which the Group decided to establish a strategic partnership in December 2012[11] 19 other companies.