Investor Presentaiton

CUSTOMER BASE GROWTH Number of credit cards, active rate and market share (thousands,%) Active customers (thousands) 80.00% 236,964 250,000 67.10% 70.00% 64.40% 62.40% 55.20% 200,000 60.00% 144,285 50.00% 150,000 40.00% 84,066 30.00% 100,000 20.00% 44,569 10.00% 1.90% 2.90% 3.80% 4,565 3,290 2,088 1,305 50,000 635 353 0.00% 2014 2015 Number of cards 2016 Active rate 2017 Market share 2012 2013 2014 2015 2016 Q3/17 Using figures at Bank Spending per active card per month (mil VND) 5.5 4.5 2015 * Using figures at Bank level 8.5 2016 9M 2017 Digital user and online transaction (user,%) 2016 2017 Digital user 296,118 483,760 Transaction online 27% 41% * Using figures at Bank level

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