Investor Presentaiton

FOUR CONSUMER-RELATED PILLARS UNDERLYING BUSINESS GROWTH Consumer-related product VPBANK 5 7 Household Consumer Commercial Digital Corporate and Financial Retail Banking Banking Markets / FI & Finance (FE SME Banking (Comm Credit) Banking (CMB) Banking Services VP Direct Investment Banking credit) Transaction Banking (CIB) Core focus on Includes FE ■Division Targets micro Serves Launched VPBank's retail bank Credit, a standalone formed in July 2015 to companies VPBank's digital banking as a markets separate lending and deposit products and services Key loan products: home loan, auto loan, consumption loan, business loan, UPL, credit card Promote Affluent Banking & Credit Card consumer finance business focusing on the lower to upper mass markets Key products: cash loans, two-wheeler loans, consumer durables loans, credit card target the self- employed mass segment Launched Commcredit to emphasize its focus on serving local communities and SMEs through a network of SME centers Offers a full suite of banking products Won the "Vietnam SME Bank of the Year" award in 20151 corporate customers with annual revenues ranging from VND400bn to VND1,600bn Customers include private and local enterprises as well as medium- scale State- owned enterprises business segment in 2015 to digitize existing banking process and services Offers standard banking products through e- banking system accessible from the web and mobile apps Partnerships with FinTech companies ■Launched in March 2017 Aims to become a digital bank operated to international standards ■ Targets enterprise s with annual revenues above VND1,600 billion capital division performs FX, monetary and bond market transactions Focuses on Handles expandin primarily transaction corporate banking deposits services for and domestic selectively and growing international financial its loan portfolio institutions a

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