Investor Presentaiton

Balance Sheet Highlights Breakdown of Total Debts (%) Domestic bond 36.3% Bank loans 3.5% Total Debt Breakdown By Currency (%) (1) VND 78.0% Exchangeable bond 4.0% VND138.4tn Other 3.8% Debt Maturity (VNDbn) Syndicated loan 52.4% USD VND138.4tn 22.0% 63,880 11,774 31,633 34,038 20,655 379 3,523 16,702 26,329 8,818 31,451 13,813 4,924 8,818 Less than 1 year 1-3 years Corporate bond 3-5 years More than 5 years ■Syndicated loan ■Bank borrowings & others Source: Audited VAS Consolidated Financial Statements for 2018-2020, Unaudited VAS Consolidated Financial Statements for 1Q2020 and 1Q2021 (1) (2) Includes US$ debt which is hedged for foreign exchange rate purposes. Includes floating rate debt which is hedged for interest rate purposes. Total Debt Breakdown By Interest Rate (%) VND138.4tn (2) Fixed 35.5% Floating 64.5% Average debt maturity: 3.43 years Average debt maturity (excl. Vinhomes' debts): 3.83 years 56

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