Investor Presentaiton

SUSTAINABLE PROJECTED PROFITABILITY & BALANCE SHEET GROWTH TOI (Billion VND) CAGR = 27% 47,675 38,259 30,363 24,377 Net Profit (Billion VND) CAGR = 34% 8,528 13,973 11,065 17,575 2017F 2018F 2019F 2020F Gross loans to customers (Billion VND) CAGR = 24% 247,486 195,078 181,233 379,965 305,699 5,791 4,501 2017F 2018F 2019F 2020F Total deposits & valuable papers (Billion VND) CAGR = 22% 409,600 336,422 277,559 213,599 192,065 2017F 2018F 2019F 2020F 2017F 2018F 2019F 2020F (*) Including corporate bonds Figures at 30 September 2017 23

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