Investor Presentaiton

Important notice: This presentation does not constitute a prospectus or form part of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for, or any offer to underwrite or otherwise acquire any shares in VCB or any other securities, nor shall they or any part of them nor the fact of their distribution or communication form the basis of, or be relied on in connection with, any contract, commitment or investment decision in relation thereto. ■Some of the statements contained in this presentation that are not historical facts are statements of future expectations with respect to the financial conditions, results of operations and businesses, and related plans and objectives. Forward looking information is based on management's current views and assumptions including, but not limited to, prevailing economic and market conditions. These statements involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those in the statements as originally made. Such statements are not, and should not be construed as a representation as to future performance of Vietcombank. It should be noted that the actual performance of Vietcombank may vary significantly from such targets. ■This presentation is to provide general [public] information and analysis on Vietcombank for those who qualify as a "professional securities investor" as defined in the Securities Law 2019. Such investors should use information, analysis, comment in this presentation as a reference source only. This presentation and any meeting where this presentation is made are for the purpose of providing information and do not intend to advertise VCB or VCB stock or to advice readers to buy or sell VCB stock or any other securities. No representation or warranty, express or implied, is made concerning, and no reliance should be placed on, the accuracy, fairness, or completeness of this Presentation. Vietcombank takes no responsibility with regard to the accuracy or completeness of any information contained here. Viewpoint and analysis in the report can be changed without notification. ■The presentation is a property of Vietcombank and under copyright protection. Infringement of copy, change and reprint of the report without permission of Vietcombank is illegal. Vietcombank owns the copyright on this documentation. IR Team Mr. Nguyen Viet Anh Mr. Duong Duc Hieu (Charlie) Ms. Nguyen Mai Huong (Jane) Ms. Le Thanh Hang (Lana) Mr. Le Viet Dzung (James) - Tel: +84-24-3 9343137 Ext 1509, Email: [email protected] - Tel: +84-24-3 9343137 Ext 1841, Email: [email protected] - Tel: +84-24-3 9343137 Ext 1517, Email: [email protected] - Tel: +84-24-3 9343137 Ext 1508, Email: [email protected] - - Tel: +84-24-3 9343137 Ext 1993, Email: [email protected] Vietcombank Together for the future 34

View entire presentation