Investor Presentaiton

INVESTMENT HIGHLIGHTS RECAP Best proxy to "consumer" in Vietnam Experienced leadership and strong corporate governance 2 Products The only bank in Vietnam to effectively target the high- potential mass markets with an innovative suite of tailored consumer-related products 7 3 Corporate governance Digitalization 1 Digital pioneer and disruptor The only bank in Vietnam to 6 Customer segmentation 4 successfully centralize the majority of its operations Centralization Risk 5 management Efficient recovery Advanced risk management platform fully integrated across entire business Efficient recovery with disciplined NPL recognition policy 25 25

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