Investor Presentaiton

VCB 2022 targets Key targets 2020 2021 2021 growth 2022 Growth Target Total assets 1,326,230 1,414,673 6.67% 8% (VND bn) Credits 845,128 972,580 15.08% Max 15% (VND bn) Deposits and valuable papers 1,053,354 1,152,712 9.43% ~9% (VND bn) PBT 23,050 27,389 19% Min 12% (VND bn) NPL ratio 0.62% 0.63% <1.5% (NPL/Credits) Vietcombank Together for the future 27 27

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