Investor Presentaiton

Banking sector overview Overview Large number of banks (~90); of which the 4 biggest banks(*) occupy 45%-50% of deposit, lending and total assets. Industry restructuring plan commencing in 2011 has helped to (i) enhance credit control, (ii) increase the industry financial transparency through reducing cross ownership, (iii) strengthen the liquidity, efficiency and managerial capability of banks through M&A and self-restructuring; and aim to get the sector function in accordance with international norms. ■Strong, double digit growth in credit and deposits High growth potential: Favorable demographics with growing levels of urbanization, young population & rising income. Market share (9M2021, Lending & Deposits 2020) Stability and recovery of the banking sector Stable interest rate environment with healthy credit growth since 2012 40% 35% 30% 58,81% 53,80% 55,54% 76,29% 25% 20% 15% 41,19% 46,20% 44,46% 10% 23,71% 9,19% 9,40% 10,30% 5,18% 5% 0% Total Assets Lending Deposit Charter Capital ■Big 4 Others EVCB Vietcombank Together for the future (*) in terms of total assets 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 NPL Credit growth (%) Interbank rate (ON, year end) 9

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