Investor Presentaiton

2 Growing loan portfolio with increasing retail component ■Market share ~9.5% ■2021: Total loans: ~VND 961 tn, increased 14% against 2020; recorded 16.8% CAGR between 2014 - 2021 Loan composition - - Growing loan portfolio with a focused approach to increase loans to retail banking Long and medium term loans account for 47% of total loans - · Domestic currency loans account for 88% of total loans ~85% of the total loans are collateralized Total loans (VND tn) Lending breakdown by clients 16% 20% CAGR (2014-2021): 16.8% 25% 961 33% 37% 15% 8% 43% 45% 840 46% 8% 735 8% 632 9% 543 9% 461 8% 9% 388 323 70% 72% 67% 59% 54% 48% 47% 45% 2014 2015 2016 2017 2018 2019 2020 2021 2014 2015 2016 2017 2018 2019 2020 2021 Corporate SME Individual Vietcombank Note: (1) Together for the future Criteria for lending breakdown by clients (corporates vs SMEs) has been amended in 2015 and reflected accordingly ~1.2% of SME loan book in 2016 moved to Corporate category in 2017 13 13

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