Investor Presentaiton

YTD OPEX/Vs. Target 2017 (Bill VND) Q1/15 Structure OPEX Q-o-Q growth OPEX (bill VND) 17% 2,241 2,281 72% 1,943 9M2016 1,876 1,797 + 1,574 bil + 33% 6,319 YTD/2017 Budget Q3/17 18% ■Salaries and related expenses ■Expenses on assets Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 CIR 47% 37% 38% 36% 33% 10% ■General and administration 12% 60% expenses Other expense Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 17

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