#1VINGRDUP VINCOM RETAIL VINHOMES VINTECH VINSCHOOL VinID VSMART VINGROUP Corporate Presentation January 2022 VINPEARL#2Important notice IMPORTANT: The information contained herein is preliminary and subject to change without notice, its accuracy is not guaranteed, has not been independently verified and may not contain all material information concerning Vingroup Joint Stock Company (the "Company") and its subsidiaries (the "Group"). You should not rely upon it or use it to form the basis for any investment decision or commitment whatsoever. None of the Company, its shareholders, or any of their respective affiliates, directors, officers, employees, agents, advisers or any other person makes any representation or warranty (express or implied) or accepts any responsibility or liability for the accuracy or completeness of this presentation or any or all of the information in this presentation or otherwise made available. It is not the intention to provide, and you may not rely on these materials as providing, a complete or comprehensive analysis of the financial or trading position or prospects of the Group. No part of this presentation shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Further, nothing in this presentation should be construed as constituting legal, business, tax or financial advice. You should conduct such independent investigations and analysis of the Group as you deem necessary or appropriate in order to make an independent determination of the suitability, merits and consequences of investment in the Company. This presentation contains "forward-looking statements". These forward-looking statements involve known and unknown risks and uncertainties, many of which are beyond the Company's control and all of which are based on management's current beliefs and expectations about future events. Forward-looking statements are sometimes identified by the use of forward- looking terminology such as "believe", "expects", "may", "will", "could", "should", "shall", "risk", "intends", "estimates", "aims", "targets", "plans", "predicts", "continues", "assumes", "positioned" or "anticipates" or the negative thereof, other variations thereon or comparable terminology. These forward-looking statements include all matters that are not historical facts. Forward-looking statements are not guarantees of future performance. These forward-looking statements speak only as at the date of this presentation, and none of the company, its shareholders, or any of their respective affiliates, directors, officers, employees, agents, advisers or any other person undertakes to update or revise any forward-looking statements as a result of new information or to reflect future events or circumstances. 2#3Table of contents 1 Vingroup 2 Key competitive advantages 3 Covid-19 update 4 ESG initiatives in 2021 5 Performance update - 3Q2021 6 Financial highlights#4Vingroup VINFAST.#5Unique and dominant, comprehensive live-work-play ecosystem. #1 Mobility, Sustainable Energy VinFast cars and e-motorcycles designed and manufactured to international standards ⚫ c. 25,600 cars and 29,400 electric scooters sold in 9M2021 #1 Real Estate Development & Smart City Solutions Vinhomes luxury, high-end and mid-range integrated residential and commercial projects c. 21,920 residential retail units sold in 9M2021 Smart city, smart home, loT ⚫ Launched 85% of total functions in the smart city solution to integrate into Vinhomes existing mega projects #1 Education • Vinschool high-quality K-12 school system • VinUniversity university and post-graduate education • 39 Vinschool campuses under operation in 5 provinces and municipalities #1 Healthcare Vinmec international hospitals and clinics (1) 7 hospitals (2 JCI-accredited hospitals) • 5 clinics Data #1 Customers VINGROUP Largest Ecosystem in Vietnam Technology Hospitality and Entertainment Vinpearl premium resorts and hotels, high-end amusement parks and world-class golf courses . 17,700 operational hotels and beach villa rooms(2) #1 Retail Mall Vincom "all-in-one" shopping, entertainment and dining retail malls • 80 retail malls in operation #1 Digital Ecosystem • VinID super-app3) Vinshop B2B2C general trade platform • OneHousing comprehensive home purchase and rental portal Source: Oxford Economics, Company information. Company data as at 30 Sep 2021, unless otherwise stated. (#) ranking based on market share. (1) Vinmec hospitals were ranked among Top 1 or Top 2 on quality indicators that are set and assessed annually by the Ministry of Health (2) Includes rooms Vinpearl manages for other developers (3) VinID is the largest loyalty platform in Vietnam LO 5#6The largest conglomerate in Vietnam, Asia's next tiger economy 2.2% (1) of nominal GDP contributed by consolidated revenue of Vingroup companies in 2020 Most profitable (2) FA amongst privately owned enterprises 12.9% (3) of VN Index (4) (3) US$34.3bn combined market cap Nationwide operations in all 63 provinces and municipalities (5) 41,700 employees Largest private Vietnamese corporate employer 6 VinFast factory, Dinh Vu, Hai Phong, Vietnam Source: HOSE Website as at 31 Dec 2021, Company Information, Bloomberg, Vietnam Profit 500. USDVND exchange rate of 22,960. (1) Contributed by consolidated revenue from Vingroup companies in 2020; (2) Including Vingroup's subsidiary companies (3) Included Vingroup (VIC), Vinhomes (VHM) and Vincom Retail (VRE); (4) Market Capitalization of VN Index (US$266.1bn) (5) As at 30 Sep 2021#7Track record of developing new businesses into market leaders Total Assets (US$bn) (2) • 1993 Technocom was set up 2000– Technocom-Vingroup returned to Vietnam 2001 Vinpearl Launch 2002 Vincom Launch 2003 1st Vinpearl Hospitality Development (Resort Nha Trang) • 2004– 1st Vincom Center (Ba Trieu) 2006 – 1st VinpearlLand (Nha Trang) VINMEC VinMart US$4.7bn raised through equity transactions in the last 3 years (1) Vin ID V NI-ALI 18.2 17.4 13.7 VINSCHOOL VINHOMES 11.0 8.7 VINPEARL 6.9 VINCOM RETAIL 4.6 4.1 3.3 2.5 1.7 0.9 0.1 0.3 1993 // 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 US$18.2bn in total assets (c.182x increase since 2007) Services Industrials Real Estate Position Real Estate Development, SmartCity, Smarthomes & loT (3) #1 Retail Mall (4) #1 Hospitality & (5) #1 Entertainment Mobility, Battery & Automotive (6) #1 Components Healthcare (7) #1 Education (8) #1 Digital Ecosystem (9) #1 Source: Financial information as at 31 Dec 2020, unless otherwise stated (1) Including equity-linked transactions (2) Total assets from 2007 to 2020 based on VAS financials. USDVND exchange rate of 23,160. (3) Based on cumulative units sold in 2016-9M2021 across all segments in the residential markets of HCMC and Hanoi, only includes retail sales, according to CBRE, as at 30 Sep 2021. (4) Based on Vincom's combined retail GFA in Hanoi and HCMC, and GFA of all multi-tenant shopping malls in Hanoi and HCMC as at June 2019. (5) Based on number of rooms in 5-star hotels and resorts in the cities that Vinpearl's brands are present by Vietnamtourism.gov.vn, data collected in July 2019. (6) Based on market share in the respective segments of A, D-sedan and D-SUV, according to VAMA and company information in 3Q2021. (7) Vinmec hospitals were ranked among Top 1 or Top 2 on quality indicators that are set and assessed annually by the Ministry of Health. (8) Based on total number of kindergarten to high school students in selected private and international schools in Hanoi and HCMC in June 2019. (9) VinID is the largest loyalty platforms in Vietnam. 7#8Riding on an exciting digital journey to transform experience on unprecedented scale STAGE 2 3 Enablers • Data-rich customer platform Strategic partnership with industry leaders • World-class R&D team 4 Catalysts Large addressable markets High rate of technology adoption Attractive demographics Geopolitical advantage 5 Strategies • • • Best-in-class and smart products Disrupt traditional industries with new technologies Technology-driven innovative consumer platforms Data analytics to enhance customer understanding and improve offerings Improve operational efficiency STAGE Delivered core offerings with market leadership #1 VINHOMES Real Estate Development #1 Mobility #1 VINMEC Healthcare VIN FAST #1 Retail Mall #1 VINCOM RETAIL VINPEARL Hospitality and Entertainment #1 Education VINSCHOOL 8#9Corporate structure REAL ESTATE US$15.6bn (1) US$15.8bn (1) VINGROUP 69.3% VINHOMES Real Estate Development 51.5% US$3.0bn (1) 60.3% VINCOM RETAIL Retail Mall 51.0% Π INDUSTRIALS & TECHNOLOGY(2) Mobility VIN FAST SERVICES A 74.9% VINMEC Healthcare HOSPITAL VinES Battery Cell Technology Development and Manufacturing 99.6% VINSCHOOL Education 51.2% 97.7% One Mount Group Digital Ecosystem VINPEARL Hospitality and Entertainment 69.0% Pharmaceutical and Life Sciences VINBIOCARE Entities listed on HOSE VINAMIVERSITY 6) 9 Note: All shareholding percentages presented are based on Vingroup's effective interest as at 30 Sep 2021. (1) Indicates market capitalization of the listed entity as at 31 Dec 2021. USDVND exchange rate of 22,960 (2) Other companies under Vingroup's Industrial and Technology segment include VinAl, VinBig Data, Vantix, VinBrain, VinHMS and VinCSS, in which Vingroup holds effective interests of 80-100%.#10Key Competitive Advantages DIAMOND CLUB Cele Restaurant 4in F 1 Favourable Macro-Economics in Vietnam and Across All Consumer Industries 2 Unparalleled Execution Capabilities in New Business Sectors 3 Dominant Integrated Real Estate Developer, Owner and Operator HONG VAN Ton C Colle LORE WER Surger 4 Largest Ecosystem in Vietnam with Market Leadership Across Multiple Businesses LO 5 Proven Track Record of Developing Vietnamese Brands of Scale 6 Prudent Financial Policies and Strong Financial Position SAND KOHUNIC Tiger Vietel, Icom Bay if Thich st HAFASCO HAFARCO#111. Favorable macro-economics in Vietnam and across all consumer industries NGHE THỜI CÔNG NGHỆ G TAPHOA -THỜI CÔNG NGHỆ 11 VnID oal WW TAPHOA THI CÔNG NGHỆ Veltops WHO TAPHOA VOX.COING AL TOP DUY 品 Vie Vie VnShop x Vin TAPHOA THỜI CÔNG NGÀY VinShop x Vinin#121 Strong macro tailwinds Fastest Growing Economy in Southeast Asia Real GDP growth 2020A -2022E CAGR (%) Fastest Growing Middle-Income Segment in SEA Middle income population (1) growth 2020A-2025E CAGR (%) One of the Highest Private Consumption in Southeast Asia Private consumption as % of GDP in 2020 One Of The Strongest Internet Economy Growth in SEA Internet economy GMV growth CAGR 2020-25E (%) 3.5% 4.7% 17.7% 67.9% 60.8% 58.9% 12.0% 6.7% 53.0% 11.3% 6.1% 5.8% 5.2% Vietnam 2.0% 6.4% 5.9% 33.0% 75.1% Vietnam's internet economy is expected to reach US$52bn in 2025E from US$14bn in 2020E 25.0% 23.0% 21.0% 19.0% 30.0% 29.0% Source: Euromonitor, Oxford Economics, EIU, CEIC. Information collected in September 2021 Note: Exchange rates are based on historical exchange rates in respective years as provided by EIU. (1) Middle income population defined as households with disposable income of more than US$10,000 per annum. 12#131 Robust growth expected for ICE in Vietnam and EVs globally 1. Significantly Low Car Penetration 2020 car ownership per 1,000 people 3. VinFast EVs positioned to penetrate both international EV and ICE segments with our product offering 15.3x 13.0x North America (US & Canada) 410 23x 349 VinFast target markets (2026E) (1) 4.6x 2.3x 1.4x 123 62 27 36 Vietnam Philippines Indonesia Singapore Thailand Malaysia 3x EV market size (2026E) 1x EV market size (2022E) (1) Number of times the car ownership in Vietnam 2. Leading To Substantial Growth In The Passenger Car Market Vietnamese car market projection ('000 units/year) 2020A-2024E CAGR: 15.2% 216 2020A 263 2021E 316 2022E 380 342 2023E 2024E Europe² 6x VinFast target markets (2026E) (1) 2x EV market size (2026E) (1) EV market size (2022E) (1) 1x Potential TAM size (2) 29.5mm vehicles $1,073bn value Source: EIU, Fitch Solutions (1) Market size analysis based on vehicle segments C, D and E; (2) 2026E market size of VinFast's addressable segments in phase 1 and phase 2 countries 13#141 Consumer spending to grow across Vingroup's key consumer segments. Healthcare - Increasing Household Healthcare Expenditure From Aging Population And Rising Disposable Income Household Healthcare Expenditure (US$bn) Education - Increasing Household Education Spending As More Families Can Afford Quality Education Household Education Expenditure (US$bn) Tourism Domestic And International Tourist Arrivals Increasing At A Rapid Pace Arrivals (mm) 2020A-2025E CAGR: 8.5% 24.4 22.4 20.7 19.0 17.6 16.2 2020A-2025E CAGR: 9.3% 0.8 0.7 0.7 0.6 0.5 0.5 2020A-2025E CAGR: 14.9% 96.1 89.9 82.8 23.9 73.6 22.5 20.9 63.8 17.5 14.0 48.0 4.9 2020A 2021E 2022E 2023E 2024E 2025E 2020A 2021E 2022E 2023E 2024E 2025E 2020A 2021E 2022E International tourists 2023E 2024E 2025E Domestic tourists Source: Fitch Solutions, Oxford Economics, EIU 14#151 . Experiencing favorable geopolitical shifts Beneficiary of global supply chain disruption due to geopolitical shifts • Supportive government policies and robust . infrastructure investment • Strategic geographical advantage supports global distribution Competitive advantages in land supply, labor costs and human capital Increasing migration and expansion of global leaders into Vietnam OLYMPUS Nintendo Canon Highest level of public investment as % of GDP (2020 Actual) 4% 4% 5% 6% 8% Stable FDI flow Registered FDI (US$ bn) 2015-2020 CAGR: 4% 24 23 38 36 36 (intel) SAMSUNG TOYOTA Hanwha Aero Engines MITSUBISHI MOTORS Drive your Ambition FOXCONN (L-LG Lenovo. SHARP mazda Schindler Source: ADB, Statista, Oxford Economics. 1% 29 29 15 ID SGN PH MY TH VN 2015 2016 2017 2018 2019 2020#162. Unparalleled execution capabilities in new business sectors VinFast electric car - VF e35 model 16#172 Vietnam's leading manufacturer of premium automobile launching EVs in global market TIMELINE EV PORTFOLIO ICE PORTFOLIO PHASE 1 Foundation (2017-2019) Establishment of Manufacturing & Commercial Infrastructure PHASE 2 Acceleration (2020-2021) Domestic market Smart tech and Electrification EV 2018 2019 2020 2021 VF e34 2022 PHASE 3 Go Global (2022+) Global EV Rollout VF 8 (D-segment) VF9 (E-segment) VF 5 (A-segment) 2023 VF 7 (C-segment) VF 6 (B-segment) Other future models/ derivatives Future sedan model E-motorcycles 26 26 Theon Feliz Klara-A2 Tempest New e-motorcycle models New e-motorcycle models Klara Impes Ludo E-Bus Fadil Lux A2.0 President V8 Lux SA2.0 VinBus U.S./EU e-buses 17#182 Proven track record in capturing #1 market share in Vietnam across all present segments. VinFast e-motorcycles are currently the best-selling models in Vietnam with more than 80,000 e-scooters on the road Fadil - BEST selling car across ALL segments in Feb, May - Sep '21 E-Motorcycle A-segment Hatchback E-motorcycle segment 1 A-segment hatchbacks 15 months to reach #1 position 18 months to reach #1 position E-segment Sedan E-segment SUV Sedan: #1 in premium mid-size sedans SUV: #1 in premium mid-size SUVS 18 months to reach #1 position 18 months to reach #1 position (1) (1) 91% 93% 73% 23% " 4Q2020 1Q2021 2Q2021 3Q2021 E-Motorcycle 4Q2020 1Q2021 2Q2021 3Q2021 A-segment Hatchbacks 4Q2020 1Q2021 2Q2021 3Q2021 E-segment Sedans 4Q2020 1Q2021 2Q2021 3Q2021 E-segment SUVS 18 Source: Based on VAMA and Company information in September 2021. Note: E-segment sedans include VinFast Lux A, Mercedes E-Class, BMW Series-5, Volvo S90, Audi A6, Jaguar XF. E-segment SUVs include VinFast Lux SA, Porsche Cayenne, Mercedes-Benz GLE, Volvo X90, Audi Q5, BMW X5, BMW X6, Range Rover Velar, Range Rover Sport, Land Rover Discovery, Lexus GX, Jaguar F-Pace, Volkswagen Touareg#192 World-class automated manufacturing facilities to meet fast growing smart EV demands The most modern factory in Vietnam and the newest, biggest automated manufacturing facility in ASEAN 250,000 12 months cars/annum 335 hectares construction time total area Established supply chain and partnerships with industry leaders, built up extensive distribution network for both automobiles and e-motorcycles in record time (launched 3 ICE car models after 18 months) World-class, fully accredited manufacturing facility 1,200 robots 98% Automated body shop Note: (1) Capacity of 38 jobs per hour or up to 250,000 cars/annum (2) In Vietnam 90% Automated engine shop Lithium ion battery Electrification LG Chem Automobiles/E-Motorcycles EDAG SIEMENS LG Chem BOSCH FEV SAMSUNG SAMSUNG SDI DURR pininfarina A MAGNA ICAHK AVL * MAGNA STEYR BOSCH SIEMENS KM thyssenkrup 7F SCHULER ABB 19#202 Strategic partnerships with industry leaders complement in-house R&D capabilities 20 20 VinFast in-house capability .. Integrated development capability Experience Design ...leveraging Vingroup technology ecosystem Fully utilized the smart device research and manufacturing capability in the ecosystem with c.1,800 R&D engineers (1) Industrial Design Electrification Hardware Design Software Design SAMSUNG SAMSUNG SDI AVL FEV LG Chem KREISEL Automobiles/Motorcycles Vingroup Technology Ecosystem Smart Vehicle Application Center VINBIGDATA V Automotive Electronics Center VINUNIVERSITY Core Development Capabilities KMM Faurecia AVL GM (TF) Continental Industrial Technology DÜRR BOSCH SIEMENS GROB VINTECH DASSAULT SAP SYSTEMES ThyssenKrupp ABB Product Integration Advanced research institutes ADAS/AD Research Institute Smart Service Institute Vehicle Dev. Institute Note: (1) Including VinFast, VinAl, VinBig Data, VinCSS, VinHMS, Vanltis, Vin3S, VinBrain, Vantix S Big Data Cybersecurity Y IN F AS T Autonomous Driving Center Artificial Intelligence Consumer Electronics VinɅi Computer Vision VINBRAIN VANTIX Smart City#213. Dominant integrated real estate developer, owner and operator • DE APP 9 9 Am 21 21#223 Dominant integrated real estate developer, owner and operator • Unrivalled nation-wide land bank to support Vingroup's growth and sustainability RESIDENTIAL, OFFICE AND INDUSTRIAL RESIDENTIAL 168mn US$22.9bn sqm of residential GFA landbank Addressable market (1) US$1.9bn Unbilled bookings (2) VINHOMES OFFICE FOR LEASE 5.2mm 270,000 sqm of office NLA (3) sqm of office NLA (3) by the end of 2035 in operation INDUSTRIAL REAL ESTATE 12mm 8.4mm sqm of NLA (3) sqm of NSA (4) in pipeline for sale in pipeline for lease VINCOM RETAIL RETAIL MALLS 80 Malls under operation ~1.7mm sqm of Retail GFA 43 out of 63 Cities and provinces covered in Vietnam Well-diversified coverage of real estate segments across Vietnam HOSPITALITY AND ENTERTAINMENT 17,700 Total rooms in hotels and beach villas (5) VINPEARL 17 Key tourist destinations across Vietnam 47 Projects under operation (5) 222 22 Source: CBRE. Company information, unless otherwise stated. (1) For condominium market only; based on CBRE condominium demand model and annual condominium demand of c.186,000 units in 2022E at an assumed price of US$127,000 per unit. (2) as at 30 Sep 2021, FX USDVND 23,160 (3) Represents net leasable area. Business plan and subject to change (4) Represents net saleable area for the project's lifetime (5) Including four Vinpearl Golf courses, four VinWonders amusement parks, three Safaris and two F&B and ancillary entertainment service areas, as at 30 Nov 2021#233 Vinhomes - the leading residential platform Largest Land Bank Delivers Sustainable Growth Land bank (1) (ha) Superior Returns Return-on-Equity(3) (%) 16,800 ~3x the land bank of our next largest developers 5,000 Vinhomes 650 600 (2) (2) Developer A Developer B (2) Developer C Unparalleled Execution Capabilities Land Acquisition Master Planning and Design Land Clearance Infrastructure and Ecosystem Sales and Marketing Quality Control Ability to secure the best land banks in Vietnam Master planning capabilities and integrated developments Accelerated land clearance process (9-12 months) Vingroup ecosystem of retail malls, schools, hospitals, etc. High take up rates during presales with high % of upfront payments In-house construction management, ability to control costs, quality and speed Vinhomes Novaland Land & Houses 30.4% 22.4% 18.8% Ayala Land 7.4% BSD 3.2% Diversified Product Offerings US$22.9bn (4) total addressable market per annum Diamond-Luxury apartment units that offer the most privileged living standard Ruby-High-end apartments for young affluent families Sapphire Modern apartment units catered for young and savvy % of households in total population (5) 1.3% 0.4mm Households 4.4% 1.2mn Households 19.4% 5.2mn Households Average Selling Prices (US$/sqm) (6) Luxury > US$4.0k High-end US$2.0k $4.0k Mid-end US$1.0k-2.0k Property Management Strong after sales service and management of facilities 44.2% 12.0mn Households Affordable < US$1.k Source: Company information (1) as at 30 Sep 2021. Including apartments, office-tels, shop-houses, shop office, villa, commercial for sale, beach villa and condo-tel. Excludes completed projects. Not including GFA from Vinhomes Hoc Mon and Industrial land bank. (2) Land bank of next largest listed residential developers based on latest available public filings (3) Refers to net profit after minority interests divided by shareholder's equity in 2020. (4) For condominium market only; based on CBRE condominium demand model and annual condominium demand of c.186,000 units in 2022F at an assumed price of US$127,000 per unit. (5) JLL report as at March 2018. Percentages shown exclude 30.8% of households within the segment of household below affordable. Segments include households within the respective income ranges: Luxury (more than US$85k), Premium (US$55k - US$85k), Mid-end (US$25k- US$55k), Affordable (US$10k-US$25k) and Below Affordable (below US$10k). (6) Based on net saleable area. 23#243 Property development model and payment schedule built on favorable regulatory framework for an efficient self-funding business model 2-2.5 years Site Selection • • Master Planning & Design Condo: 6 months Condo: 6-10 months Villa: 12 months Land Clearance In-principle investment approval Project master plan Environmental assessment Government is responsible for site clearance (2) Receive land allocation to begin construction • Project design Villa: 2-3 months Condo: 12-16 months Villa: 9-10 months Foundation Construction & Fitting Out Handover to Buyers Collection of cash based on the construction progress (totaling up to 70% of purchase price for Vietnamese developers; up to 50% for foreign developers) Pre-Sales: Effective Management of Default Risk Majority of units are pre-sold immediately after land clearance has completed and project construction has broken ground Presale customers required to pay non-refundable deposits of at least 30% of total purchase price In 2020, 89% of Vinhomes customers paid 70% or higher of total contract price to secure discount Payment of estimated land use and rental fee (1) • 95% of purchase price must be paid before being issued the land use right certificate (LURC) Full payment will be collected thereafter 24 Source: Company Information, CBRE (1) In order to expedite the land clearance process, Vingroup typically pays estimated land use and rental fees in advance, and the Government uses such advanced payments for land owners resettlement compensations (2) While the Government is in charge of site clearance, Vingroup takes an active and coordinated role in terms of identifying land right holders, education and, in some cases, purchasing land rights#253 Expansion into industrial real estate to capitalize on the attractive sector tailwinds Leveraging Vinhomes' Expertise in Sourcing/Acquiring Land as well as Real Estate Development Vinhomes' Superior Industrial Real Estate End-to-end Value Chain Additional Pillar of Vinhomes' Medium Term Strategy to Diversify and Increase Recurring Revenue and Provide More Avenues for Capital Recycling Diversification Across the 3 Segments Land Acquisition Access to industrial park land bank through Vingroup, VinFast and VinSmart Master Planning and Design Infrastructure and Ecosystem • Experience in master planning for integrated projects such as Hanoi, Hai Phong, Quang Ninh, Ho Chi Minh City (Can Gio) and Phu Quoc Synergy with VinFast/VinSmart - ecosystem of industrial and smart device manufacturing, suppliers and importers End-to-end construction management capability to ensure rapid execution and quality control Construction and Ability to control costs and deadlines QC • • Ability to identify key anchor tenants based on experience and in-depth understanding across verticals Identify Anchor Tenants Source: Company information 田 FL 000 Residential Office Industrial 25#263 - Vincom retail – the largest & fastest growing retail properties developer & operator in VN Outstanding Indicators VINCOM RETAIL DOND Vietnam Source: Company information, as at 30 Sep 2021 43 provinces/cities 80 malls under operation ~1.7 million m² retail GFA Northern Vietnam (except Hanoi)-19 . 16 Vincom Plazas 3 Vincom+ Hanoi -11 5 Vincom Centers 3 Vincom Mega Malls 3 Vincom Plazas Central Vietnam-20 • 13 Vincom Plazas 7 Vincom+ 170,000 average daily visitors Southern Vietnam (except HCMC) 17 15 Vincom Plazas • 2 Vincom+ HCMC- 13 2 Vincom Center 1 Vincom Mega Mall 7 Vincom Plazas 3 Vincom+ 7,000+ car parking slots 26#273 Vinpearl - the leading integrated hospitality and entertainment platform Premium Hospitality Portfolio at Vietnam's Most Coveted Locations Integrated Lodging and Entertainment Portfolio of 5+ Star Brands TOTAL: 47 PROJECTS (*) DA NANG & QUANG NAM Rooms 2,625 Facilities 5 Lang Son Brands Vinpearl Luxury present Vinpearl Resorts Vinpearl Condotel NHA TRANG Rooms 6,387 Facilities 8 Brands Vinpearl Luxury present Vinpearl Resorts Vinpearl Discovery Vinpearl Condotel PHÚ QUỐC Rooms Facilities Brands 5,534 7 present Vinpearl Resorts Vinpearl Discovery VinOasis VinHolidays Quang Ninh Hai Phong Ha Nam Thanh Hoa Cua Hội Ha Tinh Quang Binh Affluent/ Silver Hair Business Travelers Family 5+ Stars Vinpearl Luxury Hue⚫ DA NANG 5 Stars Hoi An VINPEARL HOTELS & RESORTS NHA TRANG • Tay Ninh PHỤ QUỐC HCMC Can Tho 3 Stars VINPEARL HOTELS & RESORTS Group of Families/Friends/ Mass 27 27 VinpearlCondotel Vinpearl Discovery. VINOASIS RESORTS & HOTELS VINHOLIDAYS HOTELS & RESORTS Others MINHHAP VinWonders VinpearlGolf Phu Quoc UnitedCenter Source: Company information as at 30 Nov 2021. (*) The number of total current projects includes four Vinpearl Golf courses, four VinWonders amusement parks, three Safaris and two F&B and ancillary entertainment service areas#284. Largest ecosystem in Vietnam with market leadership across multiple businesses NG HAPPINE UREM 28#294 Largest ecosystem in Vietnam with market leadership across multiple businesses 11AM Book hotel VINMEC 1PM Health check-up The only company in Vietnam with extensive presence across the consumer ecosystem Leadership position across multiple consumer sectors demonstrate ability to start new business and develop them into industry champions • Leveraging unique database unmatched by any competitor to create sustainable "moat" 10AM Conference call TRUTEU HO 8:30AM School • Today, applying superior data analytics capabilities to enhance customer experience and cross-selling opportunities Source: Company information 7:30AM Drive VSMURT VINPEARL) VINMEC VinID 2PM Pay for coffee 24/7 Vin Shop XVD PHOA CONG NOE 4:30PM Groceries VINFAST VINHOMES 6AM Home VINCOM RETAIL 6PM Shopping 29#3030 4 Leveraging data analytics for deep behavioral understanding and continual improvement of platform offerings Source: Company information VINGROUP VINFAST A VANTIX CONSUMER DATA VinɅi VINBRAIN Data Analytics VINBIGDATA One Mount Group CONSUMER PREFERENCES VINPEARL Customer Touchpoints Superior ecosystem experience based on unified customer profiles VINMEC INTERNATIONAL HOSTAL VINHOMES TOUCH POINTS Introduce New Offerings NEW OFFERINGS/MARKETS Industrial Tech Others Dr.Aid™ VinID Pay VINBRAIN Vin Shop VANTIX Consumer Tech & Fintech Personalized Services & Products Product Enhancements & Solutions Smart Solutions Lifestyle and Convenience Connectivity#314 One Mount Group is creating Vietnam's largest digital ecosystem One Mount's integrated ecosystem across multiple platforms is developing an expansive and fast growing 020 network starting with three main economic sectors: Retail, Real Estate and Financial Services. VinID Vin Shop H OneHousing TAM: $4bn¹ Super App connected to the largest loyalty platform in Vietnam Unique customer database covering all facets of 11.2mm customers' daily life Seamless customer experience on • Loyalty programs Cashless payments . Fintech solutions • Vouchers, shopping and ticketing TAM: $45bn² B2B2C platform transforming traditional retail Deep synergy with VinID as payment, order, and loyalty app Aims to become Vietnam's largest master distributor Innovates traditional retail stores through supply chain optimization via Vinshop app TAM: $20bn³ One-stop-shop for real estate products and services All-in-one platform for home buying or renting and other related housing services • Property search, payment and after-sales services on a single tech-enabled platform • Under pilot test 31 Source: Company information, Bain Temasek report 2019 Notes: (1) represents Vietnam's forecasted digital financial services revenue in 2025, not including 1ID serves the B2C portion of 1MG B2B2C strategy; (2) represents FMCG market size including fresh products; (3) represents residential real estate market (primary and secondary)#325. Proven track record of developing Vietnamese brands of scale 32#335 Proven track record of developing Vietnamese brands of scale Source: Company information Most Loved and Respected Brands Vietnam Report 2020 • Top 10 largest enterprises in Vietnam ASEAN NCAP 2020 • AUTOEST VNR Best Designs 500 Excellent award for new manufacturer safety commitment World Travel Awards 2019 Asia's Leading Family & Beach Resort - Vinpearl Resort & Spa Phu Quoc World's Leading Riverfront Hotel - Vinpearl Luxury Landmark 81 Brand Finance 2019 • Vietnam's Top 50 Most Valuable Brands AUTOBEST 2018 • "A Star is Born" Award ASIA PACIFIC PROPERTY AWARDS PROPERTY AWARDS International Property Awards • The Most Intelligent District - IBcon Digie Awards (2021) - Techno Park Tower, Vinhomes Ocean Park . Best Retail Development - Asia Pacific (2019) - Vincom Center Landmark 81 • Best International Retail Development (2019) - Vincom Center Landmark 81 • World's Best Property (2018) - Vinhomes Riverside Asia Pacific Property Awards • Mixed Use Development and Sustainable Residential Development (2021) Vinhomes Smart City • • Best Mixed-Used Development (2019) - Vinhomes Ocean Park Vietnam's Best High-Rise Building (2017) - Vinhomes Metropolis Vietnam's Best Architectural Building (2017) - Landmark 81 Contribution to a Sustainable Economy Forbes • Global 2000 (2019-2020) • Asia's 200 Best Over A Billion (2019) Forbes Vietnam • Top 50 Listed Companies (2019) • Top 40 Most Valuable Brands in Vietnam (2018) Nikkei Asia 300 (2015-2019) Asia 300 550 Most Successful Transactions A ARARD FinanceAsia Top 300 largest and fastest growing businesses in Asia Global Banking & Finance Review Best Corporate Governance Company Vietnam 2020 Best Investor Relations Company Vietnam 2021 The Asset AAA • Best Vietnam Transaction (2020) Best Vietnam IPO (2018), Best M&A (2018), Best Syndicated Loan (2018), Best Issuer - Corporate (Southeast Asia - 2018) Finance Asia . Best Frontier Market Transaction (2020) • IPO of the Year (2018), Best Vietnam Deal (2018), Private Equity Deal (2017) Finance Asia (2021) Best Real Estate Deal 33#345 Superior brand equity fosters consumer trust and lower customer acquisition costs. Vin-brands being a household name across sectors... Vingroup nielsen Top 2 local brand Nielsen 2020 Vinhomes– Vincom Retail Forbes 50 CÔNG TY NIÊM YẾT TỐT NHẤT Top 10 Brand Forbes Vietnam 2020 VinFast AUTO EST 2018 "A Star is Born" Award Auto Best 2018 Vinpearl Vietnam stop tom Top 10 Five-star Hotels Vietnam Tourism Awards 2018 ...serves as a launch pad for new products to gain immediate recognition and access to a large customer base Close to 4.7 million subscribers and members on YouTube and Facebook fan groups respectively YouTube Mê Xe 166K subscribers 615 videos SUBSCRIBE Autodaily.vn 628K subscribers AUTO DAILY 1.7K videos SUBSCRIBE Source: Company information as at 31 October 2021 Tipcar TV 289K subscribers TipCar TV 416 videos Aut Bikes SUBSCRIBE AutoBikes Vietnam 235K subscribers 1.2K videos SUBSCRIBE XE XẾP CUNG FACEBOOK Xế Cưng 302K subscribers 872 videos SUBSCRIBE XE HAY 2.08M subscribers 2.2K videos 60 SUBSCRIBE 1 million Dedicated Members fan groups 5,200 Pre-order volume ICE cars within 10 days 4,000 VF e34 pre-orders within 12 hours 25,000 VF e34 pre-orders within 3 months 34#356. Prudent financial policies and strong financial position Mosaldent. 35 VinFast President#366 Prudent financial policies and strong financial position Liquidity management • Minimum cash balance of US$700m or above to avoid liquidity risk • • Only Vietnamese issuer with access to multiple sources of capital, including domestic and international banks, domestic bond market, as well as international private and public capital markets As at September 30, 2021, Vingroup has secured short-term bank credit line of US$1.3bn, providing ample liquidity support Staggered debt maturity Well-staggered debt maturity profile with preference towards longer dated tenors Balanced mix of USD and VND denominated borrowings Risk management • Regular risk management reviews and discussion with senior management before major refinancing exercise or new product launch Established a prudent investment mechanism, taking into consideration of compatibility with corporate strategy, investment return, business synergy, with approval from the Board and Investment Committee Prudent and flexible dividend policy • Prudent and flexible dividend policy subject to Vingroup's growth plans, investment requirements and relevant financial covenants • Vingroup has not paid cash dividend since 2015. We do not expect to pay significant cash dividends in the near term given our growth and investment plans Source: Company information 36#376 Global reputation and good execution helped attract top-tier international investors Sovereign Wealth Funds GIC QIA TEMASEK Strategic Partners & Joint Ventures Banking Partners Public Markets Hanwha LG Chem Private Markets VINGRDLP Internal Cash flow SK Private Equity KKR WARBURG PINCUS Other investors/ capital CHI EULER HERMES Source: Company information CGIF Equity Capital Markets VINGROUP VINHOMES VINCOM RETAIL www.ope 32 37 Convertible / Exchangeable Bond Markets VINGROUP VINPEARL International Debt Capital Markets VINERDLP Domestic Debt Capital Markets VINEEDLP VINHOMES VINCOM RETAIL _ wher WIMPSEY#386 Visionary management with proven track record Board of Directors Mr. Pham Nhat Vuong Chairman of the Board of Directors ⚫ Holds a Bachelors Degree in Geological Economic Engineering, graduated from Moscow Geology University in Russia •Long track record as an entrepreneur both in and out of Vietnam, founded Technocom Limited Company in Ukraine, which was sold to Nestle S.A. in 2010 •Established Vinpearl in 2001 and Vincom in 2002 • Founder and largest single shareholder in Vingroup • Recognized as Vietnam's first billionaire by Forbes Magazine (2012), and retained the position as the billionaire with the highest networth in Vietnam since then Ms. Pham Thuy Hang Vice Chairwoman Mr. Adil Ahmad (1) Independent Member Senior Management Ms. Thai Thi Thanh Hai • Vice Chairwoman •27+ yrs experience ⚫7+ yrs with Vingroup Ms. Pham Thu Huong Vice Chairwoman Mr. Michael Chin Jeawuk (2) Independent Member Mr. Nguyen Viet Quang Vice Chairman cum CEO Mr. Ronaldo Dy-Liacco Ibasco (3) Independent Member Ms. Nguyen Dieu Linh Vice Chairwoman Mr. Park Woncheol (4) Member Ms. Le Thi Thu Thuy •Vice Chairwoman • 25+ yrs experience • 13+ yrs with Vingroup Ms. Le Mai Lan • Vice Chairwoman •24+ yrs experience 7+ yrs with Vingroup Mr. Nguyen Viet Quang • CEO • 25+ yrs experience 11+ yrs with Vingroup Ms. Mai Huong Noi ⚫ Dy CEO • 30+ yrs experience . 15+ yrs with Vingroup Mr. Pham Van Khuong ⚫ Dy CEO •38+ yrs experience 19+ yrs with Vingroup Ms. Duong Thi Hoan ⚫ Dy CEO 22+ yrs experience 14+ yrs with Vingroup Ms. Anne Pham .CIO 16+ yrs experience 8+ yrs with Vingroup Management has an average of 27+ years of experience 38#396 Committed to international corporate standards 1. Seasoned Management Teams for Every Business Segment VIHASI Ms. Le Thi Thu Thuy CEO • 25+ yrs experience 13+ yrs with Vingroup VINHOMES Mr. Pham Thieu Hoa CEO • 34+ yrs experience 18+ yrs with Vingroup VINPEARL VINUNIVERSITY • Ms. Le Mai Lan President 24+ yrs experience 7+ yrs with Vingroup VINBIGDATA Dr. Vu Ha Van CEO •Percey F. Smith Chair of Mathematics at Yale University • 3+ yrs with Vingroup Ms. Nguyen Mai Hoa CEO Mr. Shaun Calvert Dy CEO, Manufacturing • 30+ yrs experience CEO THAT Mr. Hong Bae, PhD Dy CEO, in charge of technology •16+ yrs experience . 30 yrs experience 15 yrs with Vingroup VINCOM RETAIL Ms. Tran Mai Hoa CEO • 27+ yrs experience ⚫7+ yrs with Vingroup 2. Significant Representation from Independent Directors 3 of 9 VINGROUP directors are independent Source: Company information VINSCHOOL Ms. Phan Ha Thuy 28+ yrs experience 7+ yrs with Vingroup VinɅi Dr. Bui Hai Hung CEO Previous: Scientist at Google Deepmind, Stanford Research Institute • 3+ years with Vingroup VINMEC INTERNATIONAL HOSPI Ms. Le Thuy Anh CEO . 24+ yrs experience 10+ yrs with Vingroup VANTIX Dr. Nguyen Quang Huy CEO Previous: Principal Architect, Software Engineer at Microsoft (US) 3+ yrs with Vingroup VINHOMES 3 of 9 directors are independent VINCOM RETAIL directors are 2 of 6 independent 39#40Covid-19 Update !!! 18:30 One Mount Group headquarters#410 Jan-21 20 20 40 40 Feb-21 Mar-21 60 80 100 120 Apr-21 May-21 Jun-21 140 (mn doses) 160 Up by 41x Jul-21 within 6 months Aug-21 Sep-21 Oct-21 16 14 12 10 18 Acceleration of vaccination rate underpinning the "new normal" Speed up vaccination plan The Govt. accelerated its vaccination roll-out... ..with high vaccination rate achieved in 2 largest cities, and take-up rate expected to catch up with the world average Nov-21 Dec-21 20 Quang Nam Hai Duong 4 Nam Dinh Dak Lak Hạ Tinh Dien Bien Bac Kan Binh Dinh Cao Bang Kon Tum Nghe An Hoa Binh Quang Ngai Hue Vinh Phuc mn Minimum vaccine doses required to achieve 100% vaccination rate doses 20 Lai Chau Phú Thọ Ninh Binh Bac Giang Hung Yen Phu Yen Yen Bai Quang Tri Dong Thap Dak Nong Binh Thuan Bac Lieu Tra Vinh Lao Cai Kien Giang Largest cities and tourism hubs achieved high vaccination rate Lang Son Ben Tre Soc Trang Lam Dong Ninh Thuan Ha Nam Bac Ninh Binh Phuoc Ca Mau An Giang Hai Phong Da Nang Total vaccine doses administered Vaccination rate Vaccination Rate Reached 78% (3) by Year-end 2021, Higher than Initial Target, Paving Way for Re-opening and Avoidance of Wide-spread Lockdown Covid-19 new cases were over 1.7 million (1) in November, of which more than 78% have recovered. 20 Omicron cases was recorded, all imported cases • • • • • Vietnam received more than 192 million doses (1) and ramping up vaccination quickly with more than 153.5 million (2) have been administered Social distancing restrictions have been eased. Most of business activities with capacity restrictions and health safeguards were allowed to resume • 12.8 million doses for 12 – 17 year-old children and 4.8 million booster doses have been administered First charter flight welcome fully vaccinated international tourists Source: Ministry of Health, Our World in Data (1) As at 3 Jan 2022 (2) Some vaccines may require more than one dose (3) % of population who has been received 2 doses of vaccine Buela 100% 100 (%) (1) 78% 80% 90 73% 80% 80 70 60% 60 50 40% 40 30 49 19 20% 20 44 10 0 0% Tay Ninh Can Tho Hanoi Vinh Long Quang Ngai Hau Giang BRVT Khanh Hoa HCMC Dong Nai Binh Duong Long An 62 64 65 70 71 73 77 78 78 78 81 87 India World USA Israel Thailand UK Germany France Australia Vietnam Malaysia Japan Cambodia Singapore 41 11#42Businesses are nimbly adapting to the new normal Business impact • • V VIN FM ST Minor negative growth QoQ due to widespread lockdown in 3Q which delayed showroom roll out Strong YoY growth and robust market share expansion thanks to flexible and proactive management VINHOMES Moderate impact to retail sales. No impact on bulk sales and delivery of completed products VINCOM RETAIL • Material impact in 3Q21 as only necessity stores remained open during lockdown • • 80/80 malls resumed full operation since October V VIN F A ST Initiatives adopted to tackle COVID 42 42 VINPEARL Material impact, 28/34 hotels/resorts, 3/6 VinWonder facilities and 1/4 golf course stayed open by September to serve long stay or quarantine customers All Businesses Strict compliance with "5K" requirements; regular testing for front line employees Adopted new sales method to ensure customers' safety such as online consultation, test drive at home, and home delivery VINHOMES Vinhomes resident app to support after-sales services Online strategy became an effective supporting tool for sales and management • VINCOM RETAIL Safety measures: temperature checks and medical declaration points at mall entrance; Promoted touchless payment and take-away platform Provided rent waiver to support tenants VINPEARL Cost optimization and staff training in anticipation of 2022 recovery Source: Company information#43ESG Initiatives in 2021#44ESG initiatives in 2021 Established a sustainability corporate culture, principles of conduct to guide member companies and each of its employees, and Sustainable Finance Framework to guide fund-raising activities and reporting Throughout the Group: • • Green buildings Energy-efficient and sustainable waste management The fight against Covid • • • Organized community Covid testing and participated in testing drives Provided Covid treatment at Vinmec Central Park International Hospital in HCMC Organized online seminars, remote consultations to advise the community on Covid and vaccines VIN MES Green and Smart mobility VIHFAST VSMART VINTECH VINYLNIVERSITY VINHOMES VINPEARL VINMEC HOSPITAL VINCOM RETAIL VINSCHOOL Eco-efficient and smart living Quality essential services at competitive cost for education and healthcare Preserving bio-diversity Click to learn more about: . Vingroup Sustainable Finance Framework Vingroup Sustainable Finance Framework Second-Party Opinion by Sustainalytics VINBIOCARE . • Established VinBioCare (VBC), a pharmaceutical and life sciences company to produce Covid vaccines and test-kits for Vietnam, and other advanced vaccines and medications for Vietnam and SEA VBC signed exclusive technology transfer agreement with Arcturus Therapeutics to produce mRNA anti- Covid vaccines VBC manufacturing facility is expected to ship the first batches of vaccines from 2022 • Donated 1.7 million vials of Remdesivir and over 4 million Molnupiravir tablets for Covid treatment to the Ministry of Health Source: Company information. (1) In November 2021, part of VinSmart has been merged into Vinhomes to develop eco-efficient and smart living solution at Vinhomes mega projects TẬP ĐOÀN YACHIOUR TREO TANG BOY TE 4 TRIEU LIEU VAC THÔNG CUNG 3 HOYI 尘 BỘ Y TẾ 44#45Performance Update - 3Q2021 KASTAMMA 161#46VinFast operational highlights Performance Highlights 01 In 3Q2021, VinFast sold closed to 9,600 (1) cars, bringing the quarterly average sales across 3 key models achieved record high YTD2021 ■monthly avg ■quarterly avg 6,120 YTD: 29,400(1) E-motorcycles +19% YoY 02 VinBus completed digitalization to start operation in 4Q2021 • Started in Vinpearl Phu Quoc in late October Ready for commercial launch in 4Q2021 Application 2,040 YTD: 25,600(1) Advanced Pricing 1,600 1,040 350 530 Cars +50% YoY Transportation System LUX SA LUX A Fadil VinBus-in-VinID 03 Extensive showroom network 35% Car 79 showrooms, dealers & workshops E-motorcycle 22% 46% 216 showrooms, dealers & workshops 61% 17% 19% ■3S showrooms ■1S showrooms ■ Authorized dealers Automatic Fare Collection Function Trip management, bus location real-time update, management of basic parameters Display bus travel schedules Multiple payment electronic ticket system (cash, Napas card, VinBus card, e-wallet) Source: Company information as at 30 Sep 2021, 2021. Including Fadil, Lux A2.0, Lux SA2.0 and VinFast President (1) Figures are rounded up to one decimal point. The number of e-motorcycles sold was exclusive of rental service TRONGDA BANG CH 012 46#47VinFast transformation with new VF e34 launch and charging network roll-out 01 VF e34 was launched in mid October, equipped with advanced technologies • Click to learn more about ViVi - VinFast's virtual assistant 02 Charging station network with superfast charge technology available • More than 10,000 charging ports has been rolled out YTD 2021 across 62/63 provinces and cities in Vietnam • Click to learn more about VinFast mobile application for remote control Hey VinFast Q fram sac TT. Dich w 108 T guyen Van Lin 000 Click to learn more about VinFast charging station network TIÊU CHUẨN TRỤ SẠC Congh Autochenge 2025) P&Charge 2022 Source: Company information as at 30 Sep 2021. VF e34 will be launched only in Vietnam, thus Vietnamese language is priotized 11kW 30kW Available at • Available at rest apartment buildings, overnight parking stops on national highways Can charge up to 70% from 10% in 1 hour 60kW Can charge up to 70% from 10% in 2 hours and 10 minutes 250kW Available at gas stations, rest • Available on stops on national highways Can charge up to 70% from 10% in 30 minutes national highways, shopping centers, gas stations, large urban areas Provide 180km travel distance after 18 minutes of charging 47 7#48VinFast' blueprint for go-to-market success: hybrid marketing strategy that combines engaging digital marketing and data-driven traditional marketing همها Product launch >> Customer events >> Test drive events >> Roadshow >> Store openings >> Influencer marketing New-age experiential marketing approach VINFAST EV GLOBAL PREMIERE SINCE AUTO SAUW LOS ANGELES CONVENTION CENTER JOIN THE CHARGE Television CNBC MSNBC TODAY 9000 MORNING AMERICA V/FOX OCBS THIS NEWS MORNING CNN 60 minutes FOX friends WABC-TV Advertising and coverage across a diverse range of media channels and (()) Radio abc NEWS RADIO iHeartRADIO INTELLITE RADIO Westwood One ((SiriusXM))) National Print outlets Source: Company information USATODAY Forbes POPULAR MECHANICS AP Associated Press THE WALL STREET JOURNAL FORTUNE CAR DRIVER Entrepreneur WIRED CR Consumer Reports MOTORTREND BUSINESS The New York Times INSIDER Local media VINEA Podcasts FOX 5 KPIX 29 electrek SHOW HOW pbdcastone BUILT THIS CHICAGO'S VERY OWN WGN 4c NBC KTLA 48 Online THE VERGE TC TechCrunch yahoo! INSIDEEVS REUTERS finance THE HUFFINGTON POST ●Medium Social Media Platforms & Paid Media in (&) II Spotify ►YouTube Clubhouse.#49VF e35, VF e36's successful launch at the Los Angeles Automotive Show global premier 01 Unveiled 2 new electric vehicle models VF 8 • Advanced ADAS (1) features . Range up to 500km (310 miles) Maximum power/torque 300kW/ 640Nm (Premium) Safety(2) 5-star NHTSA / 5-star EURO NCAP 49 49 02 Impressive media coverage result thanks to unique marketing strategy. VinFast adopted of a hybrid marketing strategy that combines the best of both traditional advertising and new-age experiential approach Media result after LAAS VF 9 • • Advanced ADAS (1) features Range up to 550km (340 miles) Maximum power/torque 300kW/ 640Nm Safety(2) 5-star NHTSA / 5-star EURO NCAP International media c.1,900 Stories, articles reports on CNN, Bloomberg, Reuters, Financial Times, Car & Driver, Automotive News, Motor Authority, Carscoops, Car Expert, Electrek, Autocar and shared on Twitter, YouTube, LinkedIn, Instagram, Facebook, by accounts of prestigious reporters, journalists, KOLs, business leaders NAST VOLENT WINTERY vinfastouto.us VINFAST Domestic media 03 Established the US headquarters • in Los Angeles Located at "Silicon Beach", the heart of the transportation innovation capital of the world, Committed to accelerate the de- carbonization of transportation systems and packed with tech firms in Los Angeles VinFast Headquarters in Playa Vista Source: Company information (1) Advanced Driver Assistance System. (2) Targeted safety levels 3,750 VINHAST EV GLOBAL PREMES HOASI Articles and social media posts VES Nasdaq#50One Mount Group continues to solidify platform VinID reaffirmed its position as the largest loyalty platform #1 online grocery app in Vietnam (1) 11.2mn users (+6.9% YoY) (+3.9% YTD) VinShop has rapidly captured and modernized traditional retail markets Bac Ninh Hai Duong. Hung Yen Ha Nam- Bac Giang Hai Phong Thai Binh Nam Dinh WNinh Binh Hanoi Growing network of verified shops nation-wide 58,100 retailers Supply chain optimization in focus Built dashboard system based on actual data +40% YTD growth in retailers Monitor the KPIs/logistics operation Ho Chi Minh City 8. -Binh Duong Dong Nai Achievements Ba Ria - Vung Tau >95% +10% Truck utilization rate Source: Company information as at 30 Sep 2021 (1) Surveyed by VTV24 (2) Gross merchandise value 14/63 cities and provinces Identify cost optimization opportunities 50 Warehouse staff productivity +370% growth in GMV(2) compared to YE2020#51Vinhomes implemented connected smart city solutions. Functions Launched 4Q2021 target 85% >> >> 100% ACCESS CONTROL AQI INDEX TRAFFIC CAMERA INTERCOM CALL BUILDING AIR QUALITY MANAGEMENT ELEVATOR INTERCOM SECURITY CAMERA COMMAND CENTRE Source: Company information as at 30 Sep 2021 APARTMENT FIRE ALARM INTERCOM CALL PARKING DIGITAL MAP BUILDING MANAGEMENT In 3Q2021, VinSmart integrated highly advanced self-developed comprehensive smart city solutions into Vinhomes existing mega projects - TechnoPark Tower at Vinhomes Ocean Park 441 Cháy - Security • Smart traffic Smart fire alarm system Smart camera Smart access control Air quality monitoring Ad <Quán lenha V Dam OUT IN Home Smart Devices Smart home lex d Th Wr That dir The 2544 13MBER BOOTY OUT IN Chào mừng đến với Technopark vullena quet tre osebn thie de nye | NHẬN DIỆN THÀNH CÔNG Lo Ngoc Hän 32 nháy nên CA202 thariycon: Thang BUT Dém de Torg 10 Community • Resident App • • Al camera facial recognition Cashless payment via App 1:41 Í TUYNH ÔNG Han Park 01 Danh sách iu doi 4 Transportation & Management • Electric public buses OCP Oswan P OCPU Ocean Park OCP Ocean P 20-10guyên OCPM Ocean Park 04 30-10p uy Smart intercom Smart parking Smart city hub Smart staff management Central command center Thart P 1222 DO 51#52Vinhomes operational updates New launches at Vinhomes Ocean Park and Vinhomes Smart City were well received amidst social distancing thanks to online events GST Retail units pre-sold and deposits secured reached close to 2,000 units quarterly(1) từ 222 Unit 5,453 52 62 THE PAVILION Nhaxin 2,476 1,592 1,385 chính sách trả trước ta DỊCH 1Q21 2Q21 3Q21 9M21 Online launching event of The Pavillion - Vinhomes Ocean Park attracted c. 620,000 views on various platforms Online launching event of The Miami - Vinhomes Smart City received strong take-up rate Innovative platforms with more attractive policies and features • Promotion for buyers via Vinhomes Online • Free listing for home-owners on Vinhomes leasing platform • Vinhomes Sales Agent App upgraded with new features (reserve sport facilities, pay utility bills, register face ID) • 4x increase in number of users since 2Q21 • 7x increase in utility bills payment 1708 по ĐẶT DỊCH VỤ, TIỆN ÍCH THUẬN TIỆN DÀNH RIÊNG CHO Định danh khuôn một CƯ DÂN VINHOMES • Danh sách trên kh 9 S Mass 0 ° e Bing n oran We Gat VY-HMI Retail contracted value reached nearly VND 7 tn quarterly(1) The ou do ce228820112120HOLL VNDbn 8,918 5,985 5,404 20,307 Source: Company information as at 30 Sep 2021 (1) Including Vinhomes and BCC projects only The ten Vui lòng quay một theo hướng dẫn Then Shaw dyshuing thing 1Q21 2Q21 3Q21 9M21#53Vincom Retail operational updates Leasing revenue (1) Vincom Retail VND bn Leasing NOI (1) VND bn EBITDA (1) VND bn implemented % of previous year level % of previous year level % of previous year level tenant support package, resulting 79% 89% 84% 118% 105% 45% 81% 91% 87% 132% 101% 37% 73% 94% 111% 141% 111% 42% lower net revenue, NOI and EBITDA YOY 1,608 1,645 1,712 1,746 1,508 1,307 1,370 1,174 1,178 1,313 1,218 930 939 910 1,006 728 436 510 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 HỌ CHI MINH CITY Vietnam's retail market posts huge potential with most malls resuming operations. Footfall data 80/80 malls back in operation - approx. 1.3/1.7mn m² in GFA Customers flocks to malls after lockdown (2) HANOI 11 437,000 428,000 Vincom Center 5 389,000 Vincom Mega Mall 3 13 Vincom Plaza 3 shows sign of recovery Vincom Center 2 Vincom Mega Mall Vincom Plaza 1 7 Vincom+ הווו Average daily footfall in Dec increased by 3.4x vs Sep 3.4x 261,000 77,000 3 Source: Company information as at 30 Sep 2021 (1) Based on Vincom Retail's consolidated financial statements (2) Figures are rounded to the nearest thousand, updated as at 31 Dec 2021 Sep-20 Oct-20 // Apr-21 // Sep-21 Dec-21 53 80#54Vinpearl operational updates. Hospitality Revenue (VNDbn) (1) 753 729 604 417 Operation Quarterly Room Nights Sold ('000) 217 173 240 221 4Q2020 1Q2021 2Q2021 3Q2021 4Q2020 1Q2021 2Q2021 3Q2021 VinWonders Revenue (VNDbn) 171 144 147 Number of guests ('000) 8 624 !!!! 404 397 27 4Q2020 1Q2021 2Q2021 3Q2021 4Q2020 1Q2021 2Q2021 3Q2021 • 28/34 hotels/ resorts stayed open by September (2) • Focused on long stay customer and utilized most of the facilities as quarantine hotel Upgraded system • Added more features for digital platform: Vinpearl.com and VinpearlTravel.vn • 3x increase in the number of bookings through online channels, compared to YE2020 Positive hospitality market outlook attributable to Gov't initiatives • Vietnam accepts vaccine passports from 72 countries, territories • Vaccination rates ramped up to more than 80% in major cities and tourism hubs such as Hanoi, HCMC, Quang Ninh, etc. (3) • Allowed hundreds of Vietnamese from the U.S., France and Japan to return to Vietnam in September 54 Source: Company information as at 30 Sep 2021 (1) Including Room, F&B and Other revenue. Management report, not excluding intergroup revenue if any (2) Vinpearl Discovery Rockside Nha Trang was merged to Vinpearl Discovery Sealink Nha Trang in 3Q2021. (3)% of population who has been received 2 doses of vaccine#55Financial Highlights#56Income statement highlights Revenue (1) (VNDbn) Gross Profit (1) (VNDbn) CAGR: 12.9% 107,794 102,254 2018 2019 Recurring revenue 137,380 YoY: 8.1% 85,619 EBITDA (1) (2) (VNDbn) 27.3% 33.7% 24.9% 22.0% 29.4% 25.9% 36.0% 29,376 92,584 CAGR: 7.9% 34,492 34,201 YoY: 44.1% 18,856 CAGR: 12.9% 36,778 25.9% 30.3% 29.8% 35,639 YoY: 6.4 Profit After Tax(1) (VNDbn) 27,943 27,591 27,175 25,932 11,399 13,815 YoY: -39.2% 4,546 2,837 1,726 2020 9M20 9M21 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 Property sales % Gross profit margin % EBITDA margin Source: Audited VAS Consolidated Financial Statements for 2018-2020, VAS Consolidated Financial Statements for 3Q2020 and 3Q2021 (1) Financial numbers for FY2018-2020 are pro-forma, adding bulk sales and excluding the retail and agriculture segments (2) Adds back foreign exchange losses / (gains) 56#57Revenue performance - VAS Property sale (1) CAGR: 5.8% (VNDbn) 88,497 2018 Healthcare 66,425 Leasing CAGR: 9.5% (VNDbn) Hospitality & Entertainment Services (2) (VNDbn) 7,789 99,058 YoY: -3.8% YoY: -11.9% YoY: -41.0% 6,670 6,792 6,662 5,559 4,942 4,355 60,397 58,087 3,711 2,931 1,730 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 CAGR: 0.8% 3,025 2,631 (VNDbn) Education 2,675 YOY: 8.1% CAGR: 24.4% (VNDbn) Industrials 2,244 2,063 YoY: 12.0% CAGR: 459.7% (VNDbn) 1,729 1,869 17,415 1,450 YoY: 15.9% 1,489 1,329 12,864 9,201 11,104 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 556 2018 2019 2020 9M20 9M21 Source: Audited VAS Consolidated Financial Statements for 2018 - 2020, VAS Consolidated Financial Statements for 3Q20 and 3Q21 (1) Financial numbers for FY2018-2020 are pro-forma, adding bulk sales and excluding the retail and agriculture segments (2) Adjusted for the sales of beach villas to reflect underlying business performance 40 57#58Gross profit and margin - VAS Property sale (1) 31.2% 53.7% CAGR: 27.4% 44,828 35,643 27,623 Leasing Hospitality & Entertainment Services (2), (3) (VNDbn) (VNDbn) (VNDbn) 45.3% 44.1% 64.6% 51.1% 53.8% 49.0% 48.6% 51.8% 34.0% 39.1% 0.6% -10.7% 15.8% YoY: 40.7% CAGR: 7.3% YoY: -6.0% 37,501 3,034 3,654 2,270 3,267 26,657 2,838 2,400 891 1,304 2,255 21 (314) 273 (1,826) (3,492) (2,418) 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 2018 2019 2020 9M20 9M21 Healthcare (3) (VNDbn) Education (3) (VNDbn) Industrials(3),(4) (VNDbn) 13.8% 19.1% 15.2% 8.6% 7.1% 12.1% 21.6% 24.5% 14.4% 13.6% -5.5% -10.9% -10.8% -16.7% -5.1% (31) (246) (1.058) (5,039) (749) (2,106) (2,057) (5,457) (7,695) (9,341) 579 363 406 150 132 60 (68) (159) (276) (208) 2018 2019 2020 9M20 9M21 ⑨Gross profit margin % Adjusted cash gross profit margin (3) 446 550 175 80 308 255 191 203 (21) (41) 2018 2019 2020 9M20 9M21 Gross profit Adjusted cash gross profit (2),(3),(4) 2018 2019 2020 9M20 9M21 58 Source: Audited VAS Consolidated Financial Statements for 2018-2020, VAS Consolidated Financial Statements for 3Q20 and 3Q21. We have calculated cash gross profit (gross profit excluding depreciation and amortization) for the Hospitality & Entertainment Services, Healthcare, Education and Industrials segments. (1) Financial numbers for FY2018-9M2021 include beach villa sales under Vinpearl (classified as property sales under consolidated financials), and are pro-forma to include bulk sales recorded as finance income. (2) Exclude beach villa sales and committed profit share of villa management contracts. (3) Displays adjusted cash gross profit, which is cash gross profit adjusted for Covid-19 related expenses due to facility closures. (4) Includes reversal of impact from certain special promotional programs on gross revenue and provision for inventories.#59Balance sheet highlights Debt (1)(2)(3)/Operating EBITDA (4) (x) Total Assets & Total Equity (6) (VNDbn) Breakdown of Total Assets (%) 8.9% 8.7% 8.1% 7.4% 3.1x 3.0x 2.9x 2.8x 2018 2.6x 2.3x 2019 2.3x 2.2x 2020 LTM 2021 ■Total Debt/Operating EBITDA Net Debt / Operating EBITDA Average borrowing cost (5) Total assets CAGR: 25.7% 267,381 26% 433,603 32% 422,504 401,156 VND433.6tn 12% 164,297 135,853 118,443 85,591 Dec-18 Dec-19 Dec-20 Sep-21 Total assets ■Total equity 11% 15% 4% ■Property sale Industrials (Mobility & Smart devices) Hospitality & entertainment Leasing Healthcare & education Others (7) 59 Source: Audited VAS Consolidated Financial Statements for 2018-2020, VAS Consolidated Financial Statements for 3Q20 and 3Q21 (1) Total debt is equal to interest-bearing loans and borrowing. (2) Net debt is equal to total debt, less cash and cash equivalents and short-term investments. (3) Short-term investments exclude share option. (4) On a LTM basis for recurring revenue, operating EBITDA and interest expense, calculated using pro-forma figures, excluding retail and agriculture segments. Operating EBITDA is calculated from consolidated profit before tax adjusted for interest expense and depreciation and amortization, and excludes (a) FX gain/loss, (b) charity contributions and Covid support, (c) committed profit share for villa management contracts and (d) terminated businesses including retail and agriculture segments. (5) Inclusive of hedging expenses. (6) Numbers for FY2017-2019 are pro-forma, excluding retail and agriculture segments (7) Others refers to technology and others. Assets managed on a Group basis refers to assets such as long term investment, deposits for transfer investment and financial obligation guarantee, among others#60Balance sheet highlights Breakdown of Total Debts (%) Total Debt Breakdown By Currency (%) Domestic bond 31.1% International bond 8.1% VND 71.4% Bank loans 6.4% Total Debt Breakdown By Interest Rate (%) Fixed (2) 44.5% Other 5.5% Exchangeable bond 6.9% VND138.4tn Syndicated loan 42.1% VND138.4tn USD 28.6% Debt Maturity (VNDbn) 63,373 8,460 41,827 19,171 10,211 26,629 17,462 7,262 35,742 6,610 15,007 4,360 14,154 Less than 1 year 1-3 years Corporate bond ■Syndicated loan 3-5 years ■Bank borrowings & others More than 5 years VND138.4tn Floating 55.5% Average debt maturity: 3.35 years Average debt maturity (excl. Vinhomes' debts): 3.72 years 60 60 Source: Audited VAS Consolidated Financial Statements for 2018-2020, VAS Consolidated Financial Statements for 3Q2020 and 3Q2021 (1) Includes US$ debt which is hedged for foreign exchange rate purposes (2) Includes floating rate debt which is hedged for interest rate purposes#61Leverage, coverage and other ratios Leverage ratios 9M21 FY2020 Change Net debt (1 -(1)(2) /Operating EBITDA (3) 2.3x 2.2x 0.1x Net debt (1) (2) (Total assets - cash & ST investments (2)) / 25.7% 23.5% 2.2 ppts Coverage ratios Recurring revenue / Interest expense (3) Operating EBITDA / Interest expense (3) 4.4x 3.4x 1.0x 4.2x 3.7x 0.5x Others Debt maturity (years) Debt maturity (years) (Excl. Vinhomes' debt) Average borrowing cost (4) 3.35 3.56 (0.21) 3.72 4.03 (0.31) 7.4% 8.1% (0.7 ppts) 61 Source: Audited VAS Consolidated Financial Statements for 2018-2020, VAS Consolidated Financial Statements for 3Q20 and 3Q21 (1) Net debt is equal to total debt, less cash and cash equivalents and short-term investments (2) Short-term investment excludes share option (3) On a LTM basis for recurring revenue, operating EBITDA and interest expense, calculated using pro-forma figures, excluding retail and agriculture segments. Operating EBITDA is calculated from consolidated profit before tax adjusted for interest expense and depreciation and amortization, and excludes (a) FX gain/loss, (b) charity contributions and Covid support, (c) committed profit share for villa management contracts and (d) terminated businesses including retail and agriculture segments. (4) Inclusive of hedging expenses#62Appendix f & il. 1 1#6333 63 Vinschool pioneered in online education to facilitate Teaching and learning during Covid-19 > 20,000 students used LMS/took online exam in school year 2020-21 c.18,000 courses shared on LMS in school year 2020-21 LMS platform (Learning Management System) e First educator in Vietnam to roll out an online platform in significant scale Developed based on Canvas and customized by Vinschool's in-house team in 3 months Access to lectures and activities anywhere, anytime to ensure seamless learning experience Resilient amidst Covid-19 - Vinschool uniquely positioned to shift to online learning Free online classes for all students in Vietnam, as part of the "no students left behind" initiative VINSCHOOL Nơi ươm mầm tinh hoa G Login with Google Teacher Login G Login with Google Student Login c.460,000 lectures shared on LMS in school year 2020-21 Key functions • Digitize & manage centrally all academic materials: lectures, exercises, reference materials Provide integrated analytical reporting system to evaluate students LIVE CLASS E Để làm đề thi thử học sinh click vào Đây Dashboard Dashboard TOÁN - LỚP 2 Courses T02 TIẾNG VIỆT - LỚP 2 TV02 B 包 St > 200,000 users recorded within 24 hours of going live c. 1M views; 621 courses; 2,062 classrooms; within 7 days of going live Tutor platform (Tutor.vinschool.edu.vn) • Go live in Jun 2021 after 6 days of coding & design infrastructure to meet unlimited access 621 courses and 2,062 classrooms hosted online by Vinschool teachers to help over 200,000 nation-wide students keep up with their education due to school closures during Covid-19 VINSCHOOL Account Calendar Source: Company information as at 30 Sep 2021#64VinFast international presence Netherlands Germany Amsterdam Canada Amsterdam Vancouver Paris U.S. Frankfurt Headquarters Manufacturing facilities Showrooms Phase 1 Phase 2 Source: Company information as at 30 Sep 2021 U.S. California Paris Frankfurt France Hai Phong Hanoi Vietnam Hai Phong Hanoi 64#65Key initiatives for 2021 01 Industrials & Technology WHIT • • Launch 4 e-motorcycle models and prepare to launch 3 new smart EV & ICE car models Start commercial operation of VinBus in 4Q2021 Prepare for international expansion: manpower, establishment of commercial infrastructure 22 02 59 65 One Mount Group • VinID: Promote and expand the customer loyalty network through various programs in association with partners VinShop: Expand coverage to dominate the market, introduce new features and solutions, including financial services for VinShop retailers OneHousing: Promote primary sale for strategic partners, expand into secondary market, strengthen customers' engagement by opening offline store at partners' projects Services VINHOMES VINCOM RETAIL VINPEARL ↓ VINMEC VINSCHOO • • • Leverage market demand for bulk sales in both existing and upcoming projects to drive pre-sales momentum Continued roll-out of O20 strategy through livestream kick-off events and massive launches to bolster growth during the pandemic Digital transformation continues with the introduction of the Sales Agent and Resident Apps, further enhancing contactless interactions for sales forces and residents Open new Vincom Megamall at Vinhomes Smart City project and renovate certain Vincom Centers and Vincom Plazas Continue to cultivate relationship with chain and anchor tenants for long-term development Deploy cost optimization initiatives to alleviate Covid impact Promote cost saving and staff training initiatives Tailor products and marketing activities for various customer targets Accelerate the deployment of preventive healthcare and new healthcare service models (e.g. tele-health, homecare) Promote digital transformation, develop products / features to increase competitive advantages and enhance customer experience VinUni to become a member of international quality accreditation organizations AACSB (Business Administration), ABET (Engineering - Computer Science) Vinschool to open new K-12 facilities and lead the education segment with online tutoring platform YMYERSI Source: Company information as at 30 Sep 2021#66Company information Vingroup Joint Stock Company ("Vingroup" or "the Group") is the largest listed companies in Vietnam, as measured by market capitalization with c.USD15.8 billion as at December 31, 2021. Vingroup today bases its strategy on the principles of sustainability and professional management to operate in three major business segments: Industrials - VinFast, the first and largest domestic comprehensive automobile-maker and electric scooter producer in Vietnam - VinES, battery cell technology development and manufacturing - VinBioCare, pharmaceutical and life sciences OFFICES HANOI HEADQUARTERS Number 7, Bang Lang 1, Vinhomes Riverside Long Bien District Hanoi, Vietnam HỌ CHI MINH CITY BRANCH Vincom Dong Khoi - 4th Floor 72 Le Thanh Ton, District 1 Ho Chi Minh City, Vietnam • Technology - VinAl, VinBigData, Vantix, VinBrain, Data science, Al research and technology development - VinHMS, business management platform; VinCSS, cyber security service - One Mount Group creates Vietnam's largest digital ecosystem with VinID super app connected to the largest loyalty platform, Vinshop B2B2C platform transforming traditional retail and One Housing one-stop-shop real estate products and services platform Real Estate and Social Services Residential Vinhomes premium apartments, villas and shophouses, mid-end real estate with integrated facilities, Happy Town - affordable housing Retail Leasing Vincom quality shopping malls - Hospitality-focused Vinpearl hotels, resorts and beach villas, and VinWonders amusement parks and conservation parks - Healthcare service provider, Vinmec (including hospitals and clinics) - Quality education provider Vinschool featuring the K-12 education system and VinUni non-profit private university Vingroup was listed on the HOSE on 07 September 2007. More information on the Group can be found at www.vingroup.net. Source: Company information as at 31 Dec 2021 CONTACTS Investor Relations Department Address: Vingroup Hanoi Office (Headquarters) [email protected] +84 (24) 3974 9999 (Ext. 9462) Email: Tel: Fax: +84 (24) 3974 8888 66