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Investor Presentaiton

4 High asset quality and strong capital base FY ended 31 December Loans to deposits 2014A 2015A 2016A 2017A 2018A 2019A 2020A 2021 76.58% 77.36% 78.04% 76.70% 78.79% 79.14% 81.37% 84.62% Loan loss reserve coverage (Provision/NPL) 94.43% 120.63% 117.12% 130.67% 165.41% 179.5% 368.0% 424.36% NPL ratio 2.31% 1.84% 1.51% 1.14% 0.98% 0.79% 0.62% 0.64% CAR (*) Credit Cost 11.61% 11.04% 11.13% 11.63% 12.14% 9.60% 9.56% 9.47% 1.53% 1.71% 1.51% 1.23% 1.26% 0.99% 1.27% 1.31% Total assets (VND tn) Earning assets breakdown (2021) CAGR (2014-2021): 13.7% Investment in securities; 12,5% Balances with SBV; 1,6% Placements with & loans 1.326 1.415 1.223 VND 1,382tn 1.035 1.074 788 674 577 Loans & advances to customers; 2014 2015 2016 2017 2018 2019 2020 2021 69,5% Vietcombank Together for the future (*) CAR has been calculated in accordance with Circular 41 (Basel 2 standards) since 1 Jan 2019 to other banks; 16,3% 15
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