Investor Presentaiton

3 Diversified loan portfolio with a focus on high-growth sectors with good credit quality Lending breakdown By sector 38% 42% 46% 45% By loan group 0,6% 0.3% 0,3% 0.4% By term 37,4% 41,1% 43,1% 42,9% 3% 8,4% 455 4% 8% 3% 6,6% 5,1% 4,2% 5% 3% 5% 4% 5% 9% 4% 98,4% 98,9% 99,0% 99,0% 6% 19% 18% 24% 16% 54,2% 52,3% 51,7% 52,9% 26% 24% 21% 21% 2021 2018 2019 2020 2021 Short term Medium term Long term 2018 2019 2020 2021 2018 2019 2020 Others Current Special Mentioned ■Transportation, logistics, communication ■Construction Electricity, gas, water processing & supplying Trading & services Processing, manufacturing Sub-standard Doubtful ■Loss Vietcombank Together for the future 14

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