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Investor Presentaiton

A leading player in Vietnam's banking sector Market position in Vietnam by (¹). #1 Market capitalisation #2 Ownership Capital US$ 62.1 bn #3 Total Assets, Loans and Non-bank Deposits US$ 42.2 bn US$ 49.8 bn #1 PBT US$ 16.7 bn US$ 4.8 bn US$ 1.2 bn 21% market share Universal banking model across a wide range of financial services spanning retail, corporate and financial institutional clients > 600 branches/ transaction offices and ~21,671 employees VCB maintains highest ratings among Vietnamese banks by international credit rating firms Listed on the Ho Chi Minh Stock Exchange ("HOSE") since 2009 Vietcombank #1 Card Settlement Together for the future #1 E-banking 6.6 mn users (2) Vietcombank Together for the future #1 FX US$ 60.6 bn Fitch Moody's S&P #1 International Settlement US$ 102.7 bn Rating BB- Ba3 BB- Outlook Positive Positive Positive ลล Digibank users (1) Position among listed banks as of Dec 2021 (2) 3
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