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Investor Presentaiton

Key company highlights 1 Strong brand positioning driving robust deposit growth 2 Growing loan portfolio with increasing retail component 3 Diversified loan portfolio with a focus on high-growth sectors with good credit quality High asset quality and strong capital base Vietcombank 5 Consistently strong profitability and performance Together for the future 8 Leading product platform for trade financing and cross-border business needs 7 Leading platform for credit card services and products Extensive branch/ATM network supported by strong investment in technology Vietcombank Together for the future 11 11

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