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Investor Presentaiton

6 Leading platform for trade financing and cross-border business needs Leading position in Trade Financing (TF) and International Settlement Market share: ~15.36% in TF International settlement volume (USD bn) - 102,67 78,4 85,4 83 69,4 Solid customer-base include country's top importers & exporters 54 44,7 Extensive correspondent network includes ~2,000 banks all over the world ■Domestic Settlement (VCB Money) - The first and leading e-banking platform in Vietnam 2015 2016 2017 2018 2019 2020 2021 Market share in total international settlement 16,35% 16,65% 16,23% 16,52% - Clearing center in Vietnam for foreign currencies 15,47% 15,36% 15,30% ■FX Transactions and Derivatives · Leader in Vietnam's foreign exchange market 2015 2016 2017 2018 2019 2020 2021 FX transaction volumes - FX profit grows consistently ~10% yoy, contributing ~5-8% of total operating income (USD bn) Vietcombank Together for the future 60,62 51,8 53,55 45,1 46,5 29,5 34,6 2015 2016 2017 2018 2019 2020 2021 17
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