Investor Presentaiton

Funding mix FUNDING MIX Deposit & valuable papers growth (bil VND) 16% 195,443 186,405 192,065 60.7% 63.8% 59.1% 59.4% 172,438 68.8% 165,770 161,955 162,836 150,633 160,706 144,002 23.9% 30.0% 29.9% 21.3% 28.0% 11.6% 6207 9.7% 0.2% 4.4% 3.8% 3.8% 4.7% 5.2% 5.6% Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Q3 2016 Q4 2016 ■Customer deposits Valuable paper issued ■Interbank funding Deposits & valuable papers by term and customers at Q3 2017 Q2 2017 Q3 2017 Q1 2017 Conso Bank LDR & Short term funding for mid-long term loans (Bank) 87% 84% 78% 82% 83% 49.2% 38.6% 46% 51% 49% 33.5% 35.3% 29.3% 54% ■ Short term ■Mid& Long term ■ Retail ■ Corporate Q3 2016 Q4 2016 LDR Q1 2017 Q2 2017 Q3 2017 Short term fundings for mid& long-term loans 13

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