Investor Presentaiton

NETWORK DISTRIBUTION Distribution network - bank branches Established presence throughout Vietnam North: 103 Physical distribution channels Over 22,500 employees 215 branches and 77 SME centers&hubs Over 500 branded ATMs/CDMs, nearly 17,000 linked ATMs North Central coast: 37 Central highlands: 3 Number of Hanoi: 64 Red River Delta: 18 Transaction Transaction Channels points at 31.12.2016 points at 30.9.2017 Sales Staff + sales agents Retail branches 215 215 3,985 SME centers and hubs 72 77 1,088 Household centers 130 236 1,242 (Commcredit) South Central coast: 13 Corporate banking 4 4 123 branches Consumer finance (FE Credit) 8,389 12,606 9,744 ATM/CDM 439/44 477/104 n/a Alternative channels n/a n/a 930 Southeast: 7 Mekong River Delta: 12 Ho Chi Minh City: 45 VPBank's network is organized following a "hub" and "spoke" structure that allows the Bank to cover a wider area and reach more customers 7

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