Investor Presentaiton

YTD Provision Expense/Vs. Target 2017 1,902 74% 3,718 PROVISION EXPENSE 9M2016 + 1,661 bil + 42% Q-o-Q growth (bil VND) 145% 2,310 1,685 1,625 1,353 663 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 ■ Bank ■FE Recovery rate (Life time) NPL, LLR 57% 50% 49% 50% 45% RB 65.57% SME 79.72% 3.09% 2.91% 3.50% 2.81% 3.06% Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 LLR -NPL 18

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