Investor Presentaiton

9M FY 2017 - PERFORMANCE INDICATOR HIGHLIGTS P&L ΤΟΙ NII OPEX Provision expense PBT CAR Cir 36 CAR Basel II Loans to customers 158,696 Q4/16 Q3/17 Vs budget 2016 +22,537 2017 + 14% 181,233 * Including Corporate bonds Total assets 228,771 2016 + 25,076 +11% Q4/16 Q3/17 253,847 9M FY Y-o-Y 2017 growth Budget 2017 Unit: bill VND Progress status 17,575 48% 23,500 75% 14,944 41% 19,013 79% 6,319 33% 8,760 72% 5,620 42% 7,547 74% 5,635 79% 7,192 78% 16.7% 39% 13.5% 60% Deposits from customers 172,438 Q4/16 91% Q3/17 2016 Vs budget 2017 + 19,627 + 11% 87% 192,065 Vs budget 2017 83% NII increased by 41% y-o-y PBT increased 77% CAR under Cir 36 & Basel II improved to 15.7% & 13.5%, much further than the threshold regulated by SBV thanks to the increase at VND 6,4 trillion from IPO Equity multiplier is 9.2%, much lower than others especially state-owned joint-stock banks

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