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Investor Presentaiton

Corporate structure Vietcombank Financial Services Commercial Banking Investment Banking Vietcombank Laos (100%) Vietcombank Together for the future Other Financial Services Non-Financial Services Real Estate Vietcombank Securities (VCBS) (100%) Vietcombank Fund Management (VCBF) (51%) Vietcombank Leasing (VCBL) (100%) Vietnam Finance Co. (Vinafico HK) (100%) VCB Tower 198 (70%) VCB - Bonday- Benthanh (52%) VCB Money (87.5%) Vietcombank Remittance (VCBR) (100%) Domestic Subsidiaries Joint Ventures Foreign Subsidiaries VCB - Bonday (16%) 5

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