Investor Presentaiton

INVESTMENT HIGHLIGHTS DEBT OVERVIEW PDR focuses on restructuring debts from short-term to long-term with reasonable interest rates, taking advantage of international capital markets. Debt Structure (2019 - 3Q21) Debt structure shifting to long-term 2,500 BILLION VND 2019 2020 3Q21 2,000 Bonds 1,534.14 704.88 1,369.27 1,500 45% Bank loans 115.08 572.15 678.50 1,000 Other loans 522.68 621.78 100.00 500 TOTAL 2,171.90 1,898.80 2,147.77 0 2019 2020 26% Debts (Billion VND) (%) Long-term debts PHATDAT CORPORATION Real Estate Development 100% 76% 75% 50% 25% 0% 3Q21 29

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