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Investor Presentaiton

Solid profitability results Income Structure 11.976 NII +4.274 +484 -4.509 16.733 -2.274 9.950 NFI Recoveries ΤΟΙ Opex CIR 30,5% 36,7% 137,8% 20,6% 26,9% 8.631 Provisions PBT 9.950 PBT 1Q21 2Q21 3Q21 4Q21 1Q22 Vietcombank Together for the future Numbers in tn VND unless otherwise indicated 1Q22 Total Operating income was 16.7tn, ~6.7% yoy Key driver: interest income (~ 19% yoy), FX income (46% yoy) Fee income down by 21% as an offset for growing CASA 1Q22 Operating expenses was 4.5tn, -5.7% yoy CIR remained low at ~27% 1Q22 PBT was solid at 9.9 tn, +15.3% yoy 25 25

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