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Q-o-Q growth NII (bil VND) 42% 3,782 NII + NFI Q-o-Q growth NFI (bil VND) 5,363 4,829 4,753 4,577 213198 2,423 6666 2,162 2,179 1,747 1,994 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 ■Conso Bank NIM 15.2% 15.4% 15.6% 15.0% 13.7% 9.3% 9.3% 9.5% 8.8% 8.1% 5.7% 6.0% 6.2% 6.4% 6.4% 89% 403 328 305 291 267 226 192 199 Q3 2016 Q4 2016 NFI Structure Q1 2017 NFI Conso NFI Bank 9% 16% 5% 70% Q2 2017 Q3 2017 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 -Yields on earning assets Cost of funds NIM ■Payment services ■Insurance service ■Consulting services ■Income from other activities 16

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