Investor Presentaiton

Key financial and operating targets for 2025 SIA Scale Growth Total assets: ~ 14% Total shareholders equity: ~25% Loan growth: ~ 14% Deposit growth: ~ 13% Quality LDR: maintain at 80-85% LLRC: above 100% NPL: < 1.0% CAR: above 12% Vietcombank Together for the future - Profitability Interest income growth: ~ 15% Non-interest income growth: ~19% Cost to income ratio: < 40% ROAA: ~ 1.6% ROAE: ~ 16% 21 21

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