Investor Presentaiton

Equity investments overview ■Total investments - VND 5,586 bn (USD 245m) as of 31 Dec 2021 - Wholly Owned Subsidiaries: VCBS, VCBL, VFC, VCB Laos, VCBR JVs and Partnerships: VCBF, Vietcombank Tower, VCB Money (TN Monex), VCB-Bonday-Ben Thanh, etc Equity Investments: MB, PJICO, etc ■ VCBS, VCBF & VCB Investment Management Dept. - core components to upgrade to IB Total investments by type 190 (%) Equity investments 27% JVs & partnership 17% Vietcombank Together for the future Wholly owned 56% Total investments by sectors Real estate, infrastructure; 6% Others; 7% Insurance; 8% Finance & securities; 29% Banking; 50% 29 29

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