Investor Presentaiton

1 Strong brand positioning driving robust deposit growth Customer deposits are the largest source of total funding, accounting for ~80% ■Growing market share (10.4%) on the back of strong nationwide brand recognition and loyalty ■2021 deposit balance: Over VND 1,135 tn, up 10% compared with 2020; recorded 15.2% CAGR between 2014 - 2021 Deposit structure: CASA account for 32%, providing low cost funding to the bank - ~50% corporates & SME and 50% individual - VND-denominated deposits account for ~84% Customer deposit (VND tn) Deposit breakdown by term 1% 2% 2% 2% 2% 2% 3% 3% CAGR (2014-2021): 15.2% 1.135 24% 26% 26% 1.032 28% 28% 28% 30% 32% 928 802 590 501 422 709 75% 73% 73% 70% 70% 69% 67% 64% 2014 2015 2016 2017 2018 2019 2020 2021 2014 2015 2016 2017 2018 2019 2020 2021 ■Term Deposits Current accounts Other deposits Vietcombank Together for the future 12 12

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