CTG- Cap_nhat_KQKD_Quy_2_2024_EN_website.pptx

Tieng Anh

1. 2Q2024 & 1H2024 UPDATES

2. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

3. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

4. VietinBank posted robust results of business performance in 1H2024 TOTAL ASSETS LOANS TO CUSTOMERS CUSTOMER DEPOSITS TOI PBT CIR PROVISION FOR CREDIT LOSSES 2,161 VND, Tn 1,572 VND, Tn 1,467 VND, Tn 38.7 VND, Tn 13.0 VND, Tn 25.5% 15.9 VND, Tn 6.3 % (ytd) 6.7 % (ytd) 4.0 % (ytd) 11.3% (yoy) 3.4 % (yoy) 0. 6% (yoy) 20.2% (yoy) 0.44% (ytd) 53.4% (ytd) NPL 1.57% NPL COVERAGE RATIO 113.8% 01 – HIGHLIGHTS Page 01

5. PLACEMENT WITH & LOANS TO OTHER C.Is* (VND, Tn ) INVESTMENT SECURITIES* (VND, Tn ) LOANS TO CUSTOMERS* (VND, Tn ) 280 351 25.5% Vs. 2023 181 160 11.7% Vs. 2023 1,473 1,572 6.7% Vs. 2023 71.4% 16.2% 7.4% Loans to customers Placement with and loans to other C.Is Trading securities Cash and cash equivalents Balances with the SBV Derivatives Fixed assets Other assets 71.1% 13.8% 8.9% 2,9% 2,0% As of 30 th June 2024 , total assets of VietinBank reached 2,161 VND, Tn (+6.3% ytd ) . In which, placement with and loans to other C.I grew by 25.5% ytd , loans to customers up 6.7% ytd ; while balances with the SBV reduced by 28.6% ytd and investment securities declined by 11.7% ytd driven by VietinBank’s cutting down on investment given market interest rates expected to fluctuate. Investment securities Long-term investments 2023 audited 2Q2024 2023 audited 2Q2024 2023 audited 2Q2024 2023 audited 2Q204 TOTAL ASSETS STRUCTURE (%) Ongoing growth in key scale indicators compared to FY2023 Note *: Pre-provision data. 01 – HIGHLIGHTS Page 02 2,033 2,161 6.3% Vs. 2023 2023 audited 2Q2024 TOTAL ASSETS (VND, Tn )

6. BALANCES WITH THE GOVERNMENT AND THE SBV ; DEPOSITS AND BORROWING FROM OTHER C.Is (VND, Tn ) VALUABLE PAPERS ISSUED (VND, Tn ) 326 409 25.5% Vs. 2023 115 100 13.1% Vs. 2023 72,5% 14,7% 5,5% Customer deposits Deposits & borrowings from other C.Is Financing funds and entrusted funds Due to the Government and SBV 74% 16% 6,1% 2,9% 2,0% As of 30 th June 2024 , total liabilities of VietinBank touched 2,025 VND, Tn (+6.2% ytd ) . In which, balances with the Government & SBV rose sharply with more than 5 times compared to 2023 year end; while valuable papers issued declined by 13.1% ytd mainly because of the reduction of short-term certificates of deposit and deposits & borrowings from other C.Is marginally declined by 2.3% ytd . Valuable papers issued Other liabilities 2023 audited 2Q2024 2023 audited 2Q2024 2023 audited 1H2024 TOTAL LIABILITIES STRUCTURE (%) TOTAL LIABILITIES (VND, Tn ) 1,907 2,025 6.2% Vs. 2023 2023 audited 2Q2024 CUSTOMER DEPOSITS (VND, Tn ) 1,411 1,467 4.0% Vs. 2023 2023 audited 2Q2024 Ongoing growth in key scale indicators compared to FY2023 2,7% 5,0 % 01 – HIGHLIGHTS Page 03

7. Profit experienced good growth thanks to good core revenues Total operating income in 6M2024 reached 38.7 VND, Tn (+11.3% yoy ) . In which some revenues showed a significant uptick : NII (excl. guarantee fee) went up by 19.5% yoy driven by the Bank’s promotion of sustainable scale growth along with optimal credit portfolio structure and strict risk control; Net income from FX trading swelled by 7.7% yoy as VietinBank continued to focus on FDI, SME and retail segments , strongly shift from over-the-counter transactions to online FX transactions on the eFAST and iPay platform. VietinBank remains the spearhead of the market in terms of FX trading turnover and market share. Net profit before provision for credit losses in 1H2024 stood at 28.8 VND, Tn (+12% yoy ) . VietinBank proactively allocated its resources to appropriate risk provisions in accordance with regulations to strengthen provision buffer for banking activities in the context of the economy with difficulties. Provision expense in 1H2024 was 15.9 VND, Tn yet PBT in 1H2024 reached 13 VND, Tn, recording a 3.4% ascent yoy . 19.5% 3.3% 18.9% 11.3% 9.1% 12% 20.2% Up/down level of each item in 1H2024 compared to 1H2023 ( yoy ) Rose 3.4 % yoy PROFIT STRUCTURE IN 1H2024 01 – HIGHLIGHTS Page 04

8. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

9. Funding maintained an upward momentum CASA Term deposits CUSTOMER DEPOSITS BREAKDOWN BY MATURITY (VND, Tn ) CUSTOMER DEPOSITS BREAKDOWN BY CURRENCY 3Q2023 2Q2023 2023 audited VND-denominated Foreign currencies-denominated 1Q2024 3Q2023 2Q2023 2023 audited 1Q2024 2Q2024 2Q2024 94.3% 94.5% 93.9% 94.3% 94.1% 246 1,064 1,111 317 1,133 334 1,093 318 1,048 262 49,7% CUSTOMER DEPOSITS BREAKDOWN BY BUSINESS TYPE (VND, Tn ) Corporate customers CASA FUNDING BREAKDOWN BY CUSTOMER SEGMENT 59.2% 40.8% 56.0% 44.0% 59.4% 40.6% 58.8% 41.2% 55.2% 44.8% (*): Data after periodic adjustment of segment (1Q2024) 3Q2023 2Q2023 2023 audited 1Q2024 3Q2023 2Q2023 2023 audited (*) 1Q2024 2Q2024 2Q2024 Retail customers DEPOSIT MARKET SHARE As of 30 th June 2024 , customer deposit grew by 4% ytd , in line with orientations of capital balances, liquidity needs and operational safey ratios of VietinBank. In which, CASA funding climbed by 5% ytd . Compared to 2023 year-end , the portion of deposits in retail and SME segments at the end of 2Q2024 showed an improvement from 63.7% to 65.3%. 10.7% (As of 31/05/2024, Source: SBV) 5.7% 5.5% 6.1% 5.7% 5.9% 681 165 307 112 45 684 175 295 108 46 721 177 354 116 41 755 178 334 118 42 772 186 349 120 40 Retail SME Large corp. FDI Others YTD 7.0% 4.7% 1.5% 3.1% 3.4% 02 – DETAILED BUSINESS RESUTS Page 05

10. Loans balance continued to grow in company with a proactive shift in structure RETAIL + 6.3 % 591 VND, Tn Vs. 2023 SME + 3.0 % 355 Vs. 2023 LARGE CORP. + 6.2 % 499 Vs. 2023 FDI + 20.1 % 97 Vs. 2023 VND, Tn VND, Tn VND, Tn LOANS BREAKDOWN BY CUSTOMER SEGMENTS (VND, Tn ) Retail SME Large corp. FDI 60 VND-denominated Foreign currencies-denominated LOANS BREAKDOWN BY CURRENCY 93.4% 6.6% 92.9% 7.1% 94.5% 5.5% 92.7% 7.3% 92.3% 7.7% (*): Data after periodic adjustment of segment (1Q2024) 3Q2023 2Q2023 2023 audited (*) 1Q2024 3Q2023 2023 audited 1Q2024 2Q2024 2Q2024 LOANS BREAKDOWN BY MATURITY 64.2% 30% 5.8% 65.3% 28.8% 5.9% 65.6% 28.3% 6.1% 66.4% 27.7% 5.9% 3Q2023 2Q2023 2023 audited 1Q2024 2Q2024 Short-term Mid-term Long-term LENDING MARKET SHARE VietinBank showed credit growth in all segments with a focus on industries with good potential such as: electronics, computers, pharmaceuticals, medical equipment, supply chains of staple goods, etc. 10.9% (As of 30/06/2024, Source: CIC, SBV) 2Q2023 63.6% 30.5% 5.9% 503 346 422 75 13 512 358 424 76 16 556 345 470 81 22 556 347 492 90 29 591 355 499 97 29 Others CREDIT GROWTH IN 2Q2024 6.0% 6.7% Banking industry 02 – DETAILED BUSINESS RESUTS Page 06

11. Loan growth with a focus on highly potential industries/ fields Wholesale & retail, repairing of cars, motor vehicles, moto cycles Manufacturing & processin g Mining Agriculture, forestry & aquaculture Logistics, information and communication Construction Electricity, fuel gas & hot water Household business Other sectors 20.9% 17.0% 5.0% 4.8% 0.6% 3.1% 2.1% 5.1% 3.4% Manufacturing and business loans still accounted for the vast majority of retail loans and witnessed an improvement compared to FY2023, while real estate loans and consumer loans experienced a downward trend as opposed to the end of FY 2023. Real estate loans marginally decreased from 28.6% to 27.3% Manufacturing and business loans went up from 62.9% to 63.3% Consumer loans was down from 2.3% to 1.8% Real estate loans Manufacturing & business loans Car loans Credit cards Consumer loans Others Unit: VND, Tn LOANS BREAKDOWN BY SECTOR (30/06/2024) RETAIL LENDING BREAKDOWN BY PRODUCT 2Q2024 2023 38.0% Trading & services 02 – DETAILED BUSINESS RESUTS Page 07

12. In last quarters In this quarter 2Q2024 2Q2023 3Q2023 1Q2024 150.8% 1.35% 113.8% 1.57% 168.9% 1.27% 172.4% 1.37% 6M2023 9M2023 3M2023 NPL out of outstanding loans NPL NPL coverage ratio 6M2024 167.2% 1.13% 2.0 3.2 4.7 0.6 2023 audited 2023 audited 3M2024 Asset quality was strictly controlled NPL out of outstanding loans in 2Q2024 stood at 1.57% , given the global economic recovery fell short of expectations, total demand decreasing, firms still facing with many difficulties, which made impact on manufacturing and business activities as well as customers’ ability to repay debt. NPL coverage ratio in 1H2024 reached 113.8 % , continuing to strengthen financial buffers for banking operations in the coming time. Recovery from written-off bad debts in 1H2024 touched 2.1 VND, Tn , up 5.4% yoy . VietinBank will continue to strengthen risk management and control NPL ratio below 1.8% and ensure the NPL coverage ratio at an appropriate level in 2024. NPL RATIO AND NPL COVERAGE RATIO INCOME FROM WRITTEN-OFF BAD DEBT RECOVERY (VND, Tn ) 0.7 2.1 Page 08 02 – DETAILED BUSINESS RESUTS

13. Invesment portfolio as of 30/06/ 2024 reached 518 VND, Tn (+10.8% ytd ) . In which: As of 30/06/2024, investment securities portfolio attained 160.3 VND, Tn , down 11.7% ytd driven by the investment reduction of VietinBank as market interest rates are expected to be volatile. As of 30/06/2024, trading securities portfolio reached 2.4 VND, Tn , down 8.8% ytd . 67.9% 31.1% 0.3% 0.7% Interbank Equity securities Debt securities Long-term investments INVESTMENT PORTFOLIO AS OF 30/06/2024 SECURITIES INVESTMENT PORTFOLIO (VND, Tn ) Investment securities Trading securities Note: Provision expenses are not included in the investment portfolio 181.6 2.7 164.5 2.1 2. 4 160.3 193.3 1.6 163.5 1.8 3Q2023 2Q2023 2023 audited 1Q2024 2Q2024 Flexibility and safety in investment portfolio Page 09 02 – DETAILED BUSINESS RESUTS

14. LDR RATIO 2Q2023 2023 2Q2024 83.6% RATIO OF SHORT TERM FUNDS FOR MEDIUM AND LONG TERM LOANS 2Q2023 2023 2Q2024 22.6% 20.4% 21.9% LIQUIDITY RESERVE RATIO 2Q2023 2023 2Q2024 13.7% 16.3% 16.2% TOTAL LIABILITIES AND OWNER’S EQUITY TOTAL ASSETS 2Q2023 2Q2024 3Q2023 2023 audited 1Q2024 80.7% 80.6% 269 163 1,310 119 310 146 1,310 123 326 170 1,411 127 372 148 1,428 131 371,6 147,7 1.427,6 137 Borrowings from the Government and the SBV; deposits and borrowings from other credit institutions Derivatives, financing funds, entrusted funds; valuable papers issued; others Customers deposit Owner’s equity and shareholders’ benefit Fixed assets and other assets Loans to customers Trading securities , investment securities , derivatives , investments… Cash, valuable papers, gold... Liquidity ratios of VietinBank remained well-controlled, in compliance with regulatory limits of the SBV. Liquidity remained well-controlled 265 199 1,330 66 299 168 1,354 67 330 187 1,446 70 359 170 1,484 65 Unit: VND, Tn 409 149 1,467 390 166 1,543 63 Trang 10 02 – DETAILED BUSINESS RESUTS

15. 9.4% Dynamic shift in fee structure STRUCTURE OF FEE INCOME 6M2023 Guarantee Settlement Business and insurance services Others Trade finance in 2Q2024 20.7% VIETINBANK MARKET SHARES IN SOME BUSINESS SECTIONS FX trading on interbank market in 2Q2024 10 – 12% FX trading on market 1 in 2Q2024 12 – 14% Payment turnover of VietinBank cards in 2023 15.9% NFI (including guarantee fee) in 1H2024 increased by 3.3 % yoy . In which: Fee income from guarantees rose by 41% yoy underpinned by active implementation of appropriate measures, policies and products in favor of effective customer development. Fee income from payments lifted by 6.1% yoy reflecting that VietinBank continued to deploy the development of payment connection platforms, diversify payment channels and apply digitalization in the payment field. (*): Others in fee income include: Commission fee collected from cooperation in selling life insurance with Manulife, fee collection from entrustment and agency operations, fee collection from import - export LC 27.9% 20.2% 42.6% 9M2023 10.8% 32.0% 21.9% 35.2 % 2023 audited 9.8% 29.3% 20.6% 40.2% 3M2024 14.2% 27.7% 22.6% 35.5% 6M2024 12.7% 28.4% 23.3% 35.6% Page 11 02 – DETAILED BUSINESS RESUTS

16. Continuous enhancement in effective use of operating expenses Staff cost Expenses for fixed assets Expenses for operating management Other expenses 5.8 VND, Tn 1.3 VND, Tn 2.1 VND, Tn 6.5 % (yoy) 11.5 % (yoy) 8.8 % (yoy) 33.1 % (yoy) 0.7 VND, Tn OPERATING EXPENSES 25.5% ACCUMULATED CIR 85% Salaries and allowances 15% Others 38% Depreciation & amortization expenses 62% Others 4% Per diems 96% Others 81% Insurance premium 19% Others By optimizing cost efficiency, VietinBank CIR ratio of 1H2024 was 25.5 % , slightly decreasing compared to the same period of 2023. VietinBank continued to optimize the efficiency use of operating expenses, prioritize the resources for activities of business promotion, digital transformation and key projects of the Bank. Page 12 02 – DETAILED BUSINESS RESUTS

17. Sustainable growth in business efficiency With the goal of stabilizing the macro economy and promoting economic growth, in 1H2024, the deposit and lending interest rates fell off to support businesses and people to expand production and business. NIM of VietinBank in 1H2024 reached 3.01% , grew by 0.11% than that of previous year. COF in 1H2024 was 3.22% , showing a 1.79% descent compared to the same period last year. ROA, ROE of VietinBank in 1H2024 stood at 1.24% and 15.99% respectively. Increase the profitability of assets : Prioritize the resources to focus on lending to highly effective customer sets such as SME and Retail, promoting growth in consumer loans and manufacturing and business loans. Control cost of funding through attracting and increasing the proportion of payment deposits and short-term deposits. Promote the advantages of the financial ecosystem among branches and subsidiaries of VietinBank. LENDING AND DEPOSIT INTEREST RATES NIM COF ROA, ROE MEASURES TO IMPROVE NIM Page 13 02 – DETAILED BUSINESS RESUTS

18. Key milestones in IT 2017 – Corebanking , EDW with advanced technology systems such as SOA, LOS … to help the Bank take pioneering role in technology infrastructure. 2018 – Open API Until now, the number of API-via transaction ~25% total transactions on VietinBank channels. 2019 – Chatbot As of now, there are 20 internal bots, 01 bot with customers and upcoming voice bot. 2021 – eKYC , FacePAY , Robotics Process Automation The process of pledging savings books reduces working time by 65%. 2020 – Biometric kiosk Up to now, there are 53 branches using and collecting data of more than 4 million customer account numbers. . 2023 – Digital transformation journey Aligned with the MTBP 2024-2026 business plan. Promote the provision of products and services through digital channels, increase process automation, expand partner connections through Open API, ERP ecosystems... 02 – DETAILED BUSINESS RESULTS Page 14

19. Promote solutions to develop retail segment toward an improvement in competitive edge and market share Portion of transactions via iPay channel to the total transactions of individual customers 86.6% 91.2% 1H2023 1H2024 More than 150 features & utilities integrated in VietinBank iPay to help users enjoy the fullest and most optimal life according to the “ All in one ” criterion. Over 2,400 suppliers connected to fully meet the needs of customers with the motto “thousands of features, hundreds of utilities”. 8.4 NUMBER OF CUSTOMERS USING IPAY 501 868 NUMBER OF TRANSACTION VIA IPAY channel Unit: million customers Unit: million transactions 7.0 1H2023 yoy 19.8% As of 30/06/ 2024, VietinBank iPay has approximately 8.4 million individual users, up to 19.8% yoy ; reaching 868 million transactions in 1H2024 with a recorded 73.3% yoy increase. 1H2024 1H2023 1H2024 The proportion of transactions via iPay channel to the total transactions of individual customers marked its robust growth compared to the same period of 2023 (increasing from 86.6% to 91.2%). yoy 73.3% 02 – DETAILED BUSINESS RESULTS Page 15

20. NO. OF CORPORATES USING eFAST NO. OF TRANSACTION VIA eFAST CHANNEL VALUE OF TRANSACTION VIA eFAST CHANNEL Unit: VND, quadrillion Unit: Thousand customers Unit: M illion transaction 244 210 16.6 19.0 2.9 3.3 yoy 16,2% yoy yoy 13,1% 1H2023 1H2024 14,9% 1H2023 1H2024 1H2023 1H2024 82% 83% 1H2023 1H2024 PROPORTION OF TRANSACTIONS VIA DIGITAL CHANNEL OF INSTITUTIONAL CUSTOMERS VietinBank spearheading the application of banking app for institutional customers Page 16 02 – DETAILED BUSINESS RESUTS

21. Sign MOU with the Ministry of Natural Resources and Environment MOBILIZING RESOURCES STANDING SIDE BY SIDE WITH CORPORATES SUSTAINABLE DEVELOPMENT ACTIVITIES IN VIETINBANK Successfully organize The Circular Economy Forum 2023 Take part in JETP Resource Mobilization Plan JOINING HANDS WITH THE GOVERNMENT Sign a MOU with MUFG Bank to arrange up to USD 1 billion to serve sustainability projects Sign a MOU with Japan Bank for International Corporation (JBIC) to support carbon emissions reduction and energy transition in Vietnam VietinBank is the only member in Vietnam joining the Asia Transition Finance Study Group Pioneer in developing a comprehensive suite of sustainability products , from capital mobilization, green credit … to ESG advisory. Take savings, anti-waste practices, enforce compliance with laws on environmental protection, pioneer in social welfare work; fulfill responsibilities to customers, shareholders, investors and employees… VietinBank launched the GREEN UP Package worth VND 5,000 billion with preferential interest rates and fees. Page 17 02 – DETAILED BUSINESS RESUTS

22. 76.4% Clean energy 5.9% Waste treatment and pollution prevention 16.8% Water management in urban and rural areas 0.9% Other sectors The proportion of projects for green financing in VietinBank reached 2.7% out of outstanding loans in 2Q2024. Nearly 1,000 customers signed credit contracts in the sustainability fields. VietinBank has been listed in the VNSI index for 4 consecutive years , and in the Top 10 Sustainable Enterprises (CSI) for 2 consecutive years , accomplished the Sustainable Finance Framework according to international practices . 2Q2024 FY 2023 3.2% 3.8% 4.4% 2.7% 1.8% Unit : % 42.3 47.5 47.5 49.4 27.7 17.2 Unit: VND, Tn Promote green, environmentally friendly projects towards sustainability CREDIT FOR GREEN FINANCING OVER THE YEARS CREDIT STRUCTURE FOR GREEN FINANCING AT 2Q2024 FY 2022 FY 2021 FY 2020 FY 2019 2.7% Page 18 02 – DETAILED BUSINESS RESUTS

23. In 6T2024, VietinBank maintained the credit growth higher than the industry average. As of 30/06/2024, the growth rate of credit balance in VietinBank reached 6.7% ytd , higher than that of the banking industry (6%). Customer deposit as of 30/06/2024 swelled by 4% ytd , in alignment with capital balance orientation, liquidity requirements and operational safety ratios of VietinBank. Specifically, CASA funding grew by 5% ytd . SCALE METRICS Key highlights EFFICIENCY METRICS Total operating income in 1H2024 rose by 11.3 % yoy , the most optimistic figure among the State-owned commercial banks . VietinBank's growth momentum comes from growth in NII and non-interest income such as guarantee and FX. CIR ratio in 1H2024 remained well-controlled at 25.5% and at the forefront among the lowest in banking industry. NPL out of outstanding loans in 2Q2024 stood at 1.57% (within the limit of below 1.8% approved by 2024 GMS) given that the economy is still facing many difficulties having significant impact on manufacturing and business activities and the customers’ ability to repay debts. NPL coverage ratio in 1H2024 was 113.8 % . QUALITY METRICS Page 19 02 – DETAILED BUSINESS RESUTS

24. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

25. GDP GROWTH Source : GSO, Ministry of Planning & Investment, Worldbank , Fulbright, EIU, Ministry of Industry & Trade Vietnam’s economy on track of recovery backed by Government spending and trade surplus CPI in 6M2024 +4.08% yoy , core inflation +2.75% , within the target set by the National Assembly from the start of the year. However, it is still necessary to continue to monitor the cost-push factors affecting inflation. Manufacturing PMI in June 2024 jumped to 54.7 points , after hovering around the threshold in the first 5 months. IIP Index showed clear signs of recovery, in which the main momentum was from the manufacturing and processing industry. Registered FDI in 6M2024 scaled up to 15.19 billion USD (+13.1% yoy ). Realized FDI attained 10.84 billion USD (+8.2% yoy ), mostly disbursed in the manufacturing sector. Public investment in 6M2024 reached 196.7 trillion VND , ~29.39% of the yearly plan, lower than the same period in 2023 (30.49% of the yearly plan). GDP in 2Q2024 rose by 6.93% , higher than forecasts of institutions. The driving force from supply side mainly came from the manufacturing and process industry ( +2.24 points ) ; agriculture ( +1.34 points ) while that from demand side originated from the trade surplus and asset accumulation of FDI sector and a part of public investment. Retail sales of goods and services in 2Q2024 maintained a moderate growth ( +7.6% yoy ) yet below than that of 1Q2024 ( +8.1% yoy ). International tourist arrivals in 6M2024 picked up, reaching 8.8 million (+58% yoy 2023, +4.1% yoy 2019 – pre-pandemic year). Trade balance in 6M2024 showed a surplus of 11.63 billion USD . Exports +14.5% yoy , with a strong recovery in electronic components. Imports +17 % yoy , higher than exports, mainly in materials for production, which was a positive signal for export season in the last months of the year. PMI AND IIP VIETNAM CPI AND WORLD OIL PRICE PMI IIP SALES OF RETAIL GOODS & SERVICES Average CPI ( ytd ) Core CPI ( yoy ) CPI (yoy) WTI Crude oil Growth rate ( yoy ) Sales volume(VND, Bn ) Exports Imports Trade balance Private capital State-related capital Other capital FDI capital Total IMPORT – EXPORT AND TRADE BALANCE REALIZED INVESTMENT CAPITAL All-year forecast 2020 2021 2022 2023 2024 Balanced PMI 03 – MACRO & INDUSTRY Page 20

26. Credit in 1H2024 grew by 6% ytd . The main momentum laid in institutional customers (+7,8% ytd ). Funding mobilization from market 1 showed an improvement +1.5% ytd . Funding from corporate customers maintained the down-ward trend compared to the end of 2023. Funding from retail customers was considered as the main driving force, yet marginally lower than the same period of previous years as negative real interest rates, capital flows shifted to speculative channels such as stocks, foreign currencies and gold. Amid slow credit growth, interest rates still hit bottom, exchange rate soared CREDIT AND FUNDING MOVEMENT OF INTEREST RATES & EXCHANGE RATES Source: SBV, GSO Deposit growth rate (%) Credit growth rate (%) O/N avg. interbank rate 1M avg. interbank rate Discount rate Central rate VCB selling rate Free market selling rate TRENDS & COMMENTS INTEREST RATES EXCHANGE RATES The global economy gained positive recovery, USA GDP in 2Q2024 +2.8%yoy, higher than the level of 1.4% in 1Q2024, interest rates cut is likely to happen in next meeting of FED in September (86% probability) and two more times by year-end because of inflation cool down. Interbank rates remained at a high level as SBV continued to call for bids of 14-day T-bills 4.5% and OMO 4.5%. Interbank rate hovered around the level: overnight: 4.5-5.0%; one week: 4.7-5.0%; two weeks - 1 month: 4.8-5.0%, 2 months - 3 months: 4.8-5.1%. Deposit rates in client market hit the trough in April 2024 and continued to grow, with an average increase of about 1% at the end of July compared to April. USD/VND exchange rate is approaching to the peak of 5% in 1H2024, nonetheless it tends to decrease in July 2024 ( USD / VND rate declined ~0 . 6 % compared to June 2024) due to the information of USD rate cuts from FED and the increase of foreign currency supply, which can make banks no longer hold position. Credit in 2H2024 projected to heat up underpinned by its recovery in production to serve exports at year-end, the support from fiscal policies as well as the economic recovery. Pressure on exchange rate still exists yet tends to decrease until there is clear signs of more expansion in US monetary policy. SBV’s measures to stabilize exchange rates may cause liquidity to shrink, further putting pressure on interest rates. Deposit interest rates are likely to increase while lending interest rates maintains at a low level in line with the policy of promoting economic growth. NIM may continue to decline. Exports expected to maintain an upward trend in 2H2024 thanks to the dynamics including the inventories in the US and EU reaching the trough and the positive growth of US consumption index. Activities of trade finance and FX trading maintained continues to maintain growth momentum. Page 21 03 – MACRO & INDUSTRY

27. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

28. Reinforcement of efficiency in channel shifts. Debt quality control and enhancement of efficiency in debt settlement streamlining. Continuous improvement of service quality. Improvement of quality in human resources. Implementation of digital transformation initiatives and building rapid execution capacity. Credit growth focusing on potential customer groups, industries and fields on the basis of overall efficiency of all segments. CASA growth in size in all segments. Stimulation of non-interest activities, with a focus on exploiting trade finance, FX trading, guarantees, card fee collection... Focus on measures to promote the recovery of bad debts and written-off debts at the Head Office and branches. VietinBank continues to promote in-depth development strategy Effective promotion of exploitation of the ecosystem and cross-selling activities through enhancing cross-selling coordination between segments, units, branches and subsidiaries. 04 – 2H2024 Page 22

29. INDICATORS BUSINESS PLAN Total assets ~8% - 10%/year Credit balance In line with the credit quote granted by the SBV Funding mobilization NPL ratio <1.8%/ năm Separate PBT In accordance with the State Authority’s approval Growth in line with credit growth Dividend payout Safety ratios In compliance with SBV’s regulations In accordance with the State Authority’s approval Business plan in FY2024 04 – 2H2024 Page 23

30. Promote solutions to develop the retail segment and improve competitiveness and market share AFFLUENT High-income customers MASS AFFLUENT Moderate-income customers MASS General customers Increase efficiency and penetration rate of products per customer: Credit growth with selectivity and improvement of credit performance. Fee growth via upselling and cross-selling activities with a focus on card products, insurance, and FX trading. Continuous promotion of CASA growth. High-income customers (Affluent) and Moderate-income (Mass Affluent) segments are the focus of high efficiency: Enhancement of good customer relationships and retention by improving sales and service models. Exploitation and increase of operational efficiency on existing priority customer files (deposits, fee products). Develop and exploit Mass customers via large digital files and digital channels for CASA growth: Search for new customers in terms of large digital files through partners/ ecosystems/ subsidiaries. Channel shift: develop customers on digital channels, enhance product digitalization, and process automation; create the best customer experience on digital channels. RETAIL SEGMENT GUIDELINE ON GROWTH OF RETAIL SEGMENT 04 – 2H2024 Page 24 AFFLUENT MASS AFFLUENT MASS

31. HIGHLIGHTS IN 2Q2024 & 1H2024 DETAILED BUSINESS RESULTS IN 2Q2024 & 1H2024 MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE BUSINESS PLAN IN 2H2024 APPENDIX

32. CTG stock performance INDICATORS VALUE Closing price of the 1st trading session of 2024 ( 02/01/2024) Closing price of the last trading session of 2Q2024 (28/06/2024) Price fluctuations in 1H 2024 Trading volume in 1H2024 Trading value in 1H2024 Trading volume of foreign investors in 1H 2024 Foreign ownership (28/06/2024) EPS (28/06/2024) P/E (28/06/2024) BVPS (28/06/2024) P/B (28/06/2024) 27,200 VND/share 31,000 VND/share 27,200- 36,450 VND/share 1,161,038,812 shares 38,502 VND, Bn Net selling 52,002,527 shares 26.15% 999 đồng/cp 31.03x 25,321 đồng / cp 1.22x 05 – APPENDIX Page 25

33. Balance sheet INDICATORS 1Q2024 2Q2024 2Q2024 vs. 2023 2Q2024 vs. 1Q2024 ASSETES       Cash, gold and gemstones 11,331 11 , 067 9 , 760   9,408 9,458 -3.1% 0.5% Balances with the State Bank of Vietnam (“SBV”) 23,383 29 , 727 40 , 597   17,341 28 , 980 -28.6% 67.1% Placements with and loans to other credit institutions 149,317 242 , 432 279 , 842   332,707 351 , 234 25.5% 5.6% Trading securities 2,475 1 , 406 2 , 488   1,935 2 , 259 -9.2% 16.7% Derivatives & other financial assets 1,455 3 , 059   265 0.0% -100.0% Loans to customers 1,130,668 1 , 274 , 844 1 , 473 , 345   1,514,398 1 , 571 , 529 6.7% 3.8% Provision for credit losses of loans to customers (25,795) (29 , 413) (27 , 773)   (30,775) (28 , 040) 1.0% -8.9% Investment securities 177,545 180 , 313 181 , 211   164,156 159 , 855 -11.8% -2.6% Long-term investments 3,290 3 , 519 3 , 426   3,530 3 , 744 9.3% 6.0% Fixed assets 10,496 10 , 203 10 , 126   9,921 9 , 764 -3.6% -1.6% Other assets 47,423 81 , 654 59 , 593   54,728 52 , 647 -11.5% -3.8% Total assets 1,531,587 1,808,811 2,032,614   2 , 077 , 615 2,161,429 6 . 3% 4.0% LIABILITIES AND OWNERS’ EQUITY           Borrowings from the Government and the SBV 33 , 294 104 , 779 21 , 814   46,137 111 , 855 412.8% 142.4% Deposits & borrowings from other credit institutions 138 , 834 209 , 430 304 , 322   325,516 297 , 409 -2.3% -8.6% Deposits from customers 1 , 161 , 848 1 , 249 , 176 1 , 410 , 899   1,427,665 1 , 466 , 830 4.0% 2.7% Derivatives & other financial liabilities - - 556 0  0  -100.0% 0.0% Financing funds, entrusted funds & exposed funds 2 , 528 2 , 392 2 , 238   2,201 2 , 233 -0.2% 1.4% Valuable papers issued 64 , 497 91 , 370 115 , 376   101,544 100 , 257 -13.1% -1.3% Other liabilities 36 , 937 43 , 347 51 , 537   43,969 45 , 495 -11.7% 3.5% Total liabilities 1,437,938 1,700,495 1,906,742   1,947,033 2,025,457 6.2% 4.0% Capital 57,548 57,868 63,511   63,511 63 , 511 0.0% 0.0% In which: Chartered capital 48,058 48 , 058 53 , 700   53,700 53 , 700 0.0% 0.0% Reserves 13 , 673 16 , 075 19 , 044   19,048 19 , 071 0.1% 0.1% Foreign exchange differences 245 121 87   125 183 109.9% 45.6% Undistributed profit 21 , 488 33 , 513 42 , 369   46,998 52 , 285 23.4% 11.2% Total owners’ equity 93,650 108,316 125,872   130,582 135,973 8.0% 4.1% Non-controlling interests 695 739 861   900 924 7.3% 2.7% Total liabilities and owners’ equity 1,531,587 1 , 808 , 811 2 , 032 , 614   2 , 077 , 615 2,161,429 6.3 % 4.0 % Unit: VND, Bn 2022 restated 2023 audited 2021 audited Page 26 05 – APPENDIX

34. Income statement Interest and similar income 84,628 104,665 132,672 66,877 61,090 -8.7% Interest and similar expenses (42,840) (56,873) (79,714) (41,453) (30,577) -26.2% Net interest and similar income 41,788 47,792 52,957 25 , 424 30 , 513 20.0% Fees and commission income 9,573 11,549 12,385 6,243 6,270 0.4% Fees and commission expenses (4,612) (5,687) (5,271) (2,458) (2,605) 6.0% Net gain/(loss) from fees & commission income 4,961 5,862 7,114 3 , 785 3 , 665 -3.2% Net gain/(loss) from trading of foreign currencies 1,812 3,556 4,248 2 , 349 2 , 530 7.7% Net gain/(loss) from securities held for trading 496 (112) 293 230 63 -72.6% Net gain from investment securities 224 (30) (154) 17 (140) -928.8% Net gain from other activities 3,398 6,538 5,803 2 , 798 1 , 865 -33.3% Income from investments in other entities 477 512 287 188 210 12.1% Non-interest income 11,368 16,325 17,591 9 , 366 8 , 194 -12.5% Total operating income 53,157 64,117 70,548 34,790 38,707 11.3% Operating expenses (17,186) (19,195) (20,443) (9,057) (9,881) 9.1% Net profit before provision for credit losses 35,971 44,922 50,105 25,733 28,826 12.0% Provision expense for credit losses (18,382) (23,791) (25,115) (13,202) (15,866) 20.2% Profit before tax 17,589 21,132 24,990 12,531 12,960 3.4% Corporate income tax expense (3,374) (4,148) (4,945) (2,436) (2,548) 4.6% Profit after tax 14,215 16,984 20,045 10,095 10,412 3.1% Non-controlling Interests (127) (60) (141) (85) (88) 3.1% Owners’ net profit after tax 14,089 16,924 19,904 10,010 10,324 3.1% Unit: VND, Bn INDICATORS 1H2023 1H2024 1H2024 vs. 1H2023 2022 restated 2023 audited 2021 audited Page 27 05 – APPENDIX

35. Calculations of financial indicators NPL Bad debts / Total loans to customers Debt coverage ratio Provision for credit losses on loans to customers / Bad debts Highly liquid assets Cash, gold and gemstones + Balance with the SBV + Placement with & loans to other C.I + Government bond Liquidity reserve ratio Highly liquid assets/ Total liabilities ROA Profit before tax / Average total assets ROE Profit after tax / Average total equity NIM Net interest income/ Average profitable assets COF Net interest expense/ Average interest payable debt CIR Operating cost/ Total operating income Financial indicators Formula Page 28 05 – APPENDIX

36. Investor Relations – Secretariat to the BoD & Investor Relations – Office of the BoD No. 108 Tran Hung Dao Str., Hoan Kiem Dist., Hanoi + 84 243 9413622 [email protected] (Click on below titles/images to access link ▼) More information about VietinBank in other publications INVESTOR BUSINESS UPDATE (QUARTERLY)) Website: www.investor.vietinbank.vn Here Here Page 29 05 – APPENDIX

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