Investor Presentaiton

YTD TOI/Vs. Target 2017 (bil VND) 0 17,575 75% YTD/2017 Budget Q1/15 OPEX, Provision expense & PBT over TOI ΤΟΙ TOI (bil VND) 6,277 5,891 9M2016 5,406 5,013 + 5,724 bil 48% 4,176 Q3/17 4,581 3,161 2,069 2,514 2,956 2,101 2,717 2,891 3,013 3,320 Q3 2016 Q4 2016 ■TOI Conso Q1 2017 ■TOI Bank Q2 2017 TOI FE Q3 2017 TOI by segments (bil VND) Q3 2017 37% 26% 37% Q2 2017 38% 39% 23% Q1 2017 33% 31% 36% Q4 2016 37% 27% 36% Q3 2016 47% 16% 38% 0% 20% 40% 60% 80% 100% 120% ■ OPEX Provision expense ■ PBT 1,381 1,044 3,132 4,897 Inner circle: Q3 2016 Outer circle: Q3 2017 ■Strategic Segments ■ Others 15

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