Investor Presentaiton

Strong credit growth in line with economic recovery, Asset quality well controlled, CASA remained high Loan YTD growth 872 3,8% 14,4% 1.029 11,5% 9,8% 7,1% Loans grew strongly to ~1,029 tn, ~7.1% growth ytd (vs 3.8% same period last year). . Growth by segment: Corporate (7.6% ytd), Retail (6.6% ytd), SME (4.8% ytd). Asset quality maintained as bank's priority. NPL ratio 0,88% 0,74% 1,16% 10,64% 10,80% • NPL ratio increased to 0.8%, yet well under target. . 1.026 1,9% Deposit YTD growth -0,6% Vietcombank Together for the future 1.179 10,0% 7,4% 3,8% 1Q21 2Q21 3Q21 4Q21 1Q22 Restructured loans under Circular 01 and Circular 03 was ~8 tn, only ~0.8% loan book Deposit increased to 1,179 tn or by ~4% ytd. LDR improved to 87%. • CASA expanded as zero fee scheme took effect, CASA ratio as high as ~33% (+7.3% ytd); VCB continued to possess largest CASA volume in the market 24 24

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