Investor Presentaiton

The 2012-17 strategic plan has already been almost fully achieved The detailed plan for 2018-20 will be finalized and announced later in 2017 Key Pillars Organic Growth 2012-17 VISION Top 5 Joint Stock Commercial Bank in Vietnam Top 3 Retailing Joint Stock Commercial Bank in Vietnam Strengthen Internal Capabilities M&A Opportunities Retail banking Consumer finance (FE Credit) Household banking (Commcredit) Digital banking CMB/CIB Risk management, operations and IT Five-point plan to aggressively grow high potential/high income products, explore new channels through strategic partnerships, develop online/mobile applications and enhance customer relationships through higher quality services Remain #1 in consumer finance in Vietnam via the launch of new products and services to suit the evolving demands of customers Expand distribution network and develop relationships with top retailers to expand the business Dedicated business segment created in 2015 to capture the growth of the self-employed family business sector, offering products and services uniquely designed for the segment A core business segment focused on rapid growth in lending, deposits and customers by enhancing sales productivity and launching new products and services to deliver high value to SMEs A focal point of VPBank's retail banking strategy to position the bank as a digital disruptor and provider of optimal and convenient digital banking products and services to customers Focuses on restructuring customer lending portfolios, promoting cross-selling, offering specialized products and optimizing balance sheets VPBank continues to strengthen its risk management systems, credit approval, NPL handling/collection, sales/service systems, human resources development and technology systems to ensure seamless support for growth Strategic Priorities SME 21 21

View entire presentation