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Investor Presentaiton

Historical Balance sheet FY ended 31 Dec (Figures in USD m) 2017 2018 2019 2020 2021 2022Q1 Cash and cash equivalents 451 551 595 657 791 643 Balances with SBV 4,175 467 1,497 1,442 988 1,681 Current accounts, deposits and placements with banks 10,389 10,786 10,767 11,658 9,911 8,427 Investments in securities 6,263 6,562 7,312 6,913 7,624 7,573 Loans to customers 24,233 27,236 31,709 36,536 42,175 44,464 Provision for credit losses (362) (444) (450) (837) (1,140) (1,348) Equity investment Net fixed assets Other assets 158 107 106 97 103 102 275 281 290 372 379 361 585 748 945 862 1,272 1,310 Total Assets 46,167 46,294 52,772 57,700 62,102 63,213 Current accounts of banks and payables to SBV 7,643 3,909 3,986 1,791 416 1,569 Borrowings from SBV and term deposits from banks 2,985 3,298 3,177 4,507 4,818 3,512 Customers deposits 31,595 34,566 40,071 44,904 49,839 50,980 Derivatives and other financial liabilities 2 Valuable papers issued 812 925 923 924 763 751 Debt securities issued and other borrowed funds 1 1 1 1 0 0 Other liabilities 787 915 1,122 1,477 1,475 1,341 Total Liabilities 43,823 43,614 49,281 53,606 57,311 58,153 Chartered capital 1,604 1,551 1,601 1,614 1,628 2,045 Surplus + Other capital 15 15 230 232 234 231 Reserve funds 323 407 526 649 798 785 Differences in FX and Asset revaluation 8 9 6 0 (0) (0) Retained earnings Total Shareholders' Equity Minority Interest 389 696 1,125 1,595 2,126 1,995 2,340 2,677 3,487 4,090 4,786 5,056 4 3 4 4 4 4 Vietcombank Together for the future Source: VCB Consolidated Financial Statement. Note: Exchange rate (USD/VND) was taken from the State Bank of Vietnam at the end of period/year 31
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