GIỚI THIỆU VIETINBANK Q4-2015 TIENG ANH

1. IR Presentation
Quarter IV - 2015
Improving the values of life

2. Table of contents
1. General information
2. Investment highlights
3. Performance

3. 1. General information
 Important Milestones
 Corporate Vision & Strategic Objectives
 Organization Structure
 Awards

4. VietinBank Overview
Vietnam Joint Stock Commercial Bank for Industry and Trade
(VietinBank) is a leading financial and banking group, plays a
key role in Vietnamese financial-banking system.
 1988
Established upon the separation from The State Bank of
Vietnam (SBV).
 2008
Went public through IPO and listed on Hochiminh Stock
Exchange (HOSE) one year later
 2009
Officially renamed into Vietnam Joint Stock Commercial
Bank for Industry and Trade (or VietinBank in short)
 2011
IFC officially became the foreign strategic shareholder of
VietinBank with 10% stake ownership
 2012
Became the first bank in Vietnam to successfully issue
USD250mil international bond listed on Singapore
Exchange
Sold 19.73% stake to Bank of Tokyo-Mitsubishi UFJ
(BTMU) as a second foreign strategic shareholder.

5. Corporate Vision & Strategic Objectives
Continue to complete the organizational structure vertically, increase business network1
Improve service quality2
Enhance risk management capabilities in line with international practice, apply Basel II standards3
Strengthen corporate governance, efficient governance in accordance with international practice4
Accelerate the modernization of the Bank’s IT system5
Create added value for stakeholders, employees and customers6
Vision Striving to become the leading financial group in Vietnam and high ranking
bank in the international market
Strategic Objectives
Motto Growing prudentially, efficiently and sustainably

6. Robust group structure
Head Office
Operation Centre Branches Representative Offices Non-profit Making Units Subsidiaries & Affiliates
Transaction Offices
VietinBank
Leasing
Company
Ltd
VietinBank
Securities
Joint Stock
company
VietinBank
Debt and
Asset
Management
Company Ltd
VietinBank
Insurance
Company Ltd
VietinBank
Aviva Life
Insurance Joint
Venture
Company
VietinBank
Fund
Management
Company
Ltd
Financial
Leasing
Asset
management
Non-life
insurance
Life Insurance
Fund
management
Banking and
Finance
VietinBank Gold
and Jewelry
Trading company
Ltd
Securities
Indovina
Joint Venture
Bank
Manufacture,
design and trade
in gold and
precious metals
and gems
1 2 3 4 5 6
Saving Offices
VietinBank
Global Money
Transfer
Company Ltd
International
Remittance
7 8 10
VietinBank
Lao Ltd
Banking
and
Finance
9

7. Solid management structure and governance
Supervisory Board
Board of Directors
Board of Management
Internal Audit
Department
Committees
Secretariat to
Board
Risk
Management
Committee
HR and
Remuneration
Committee
Policy Committee
Assets and
Liabilities
Management
Committee
Head Office
Trade Finance
Center
and Branches
Non-profit
Making Units
Representative
offices
Transaction
Offices and
Savings Offices
Credit Committee
Financial Institutions Committee
Divisions and
Departments
General Shareholder s’ Meeting

8. Awards
 According to Brand Finance, VietinBank brand name is grade A and worth 197 million USD, ranked the 437th in
the world. This is the 3rd time VietinBank was selected and shortlisted into Top 500 financial institutions with strong
brand name – the most valuable awards for the banks in the world.
 According to Vietnam Report và Vietnamnet E-Newspaper, VietinBank ranked the 20th among Top 500 big
corporations in Viet Nam (VNR500). At the same time, VietinBank was honored to be shortlisted into best
enterprises in Viet Nam.
 VietinBank was also named the 3rd consecutive times and ranked the 1.854th in 2014 by the Forbes Global 2.000
awards.
• Ranked the 437th, 328th and
434th for 2014, 2013 and
2012 respectively.
• Ranked the 20th in the Top 500
Vietnam Group
• The best awards in Viet Nam
• Awarded by the Ministry of
Industry and Trade
• Awarded the 11th
consecutive time in 2014
• Being honored as a leading
business in the financial sector to
pay corporate income tax.
• Ranked the 5th and in five
consecutive years, VietinBank in
the Top 10 Business
• Awarded the organizations
that providing the best
financial services in
Vietnam
• Ranked the 1.854th in 2014
• Awarded the 3rd consecutive years.

9. 2. Investment highlights
 Chartered Capital, Total Equity and Total Asset
 Market Share
 Network
 Brand name & Client base
 Shareholder support
 Corporate governance and HR
 Operating results vs. other listed banks

10. Strong
abilities
2
3
4
5
6
7
8
1
Top financial institution in Vietnam with
dominant market share:
• Loans (12.4%)
• Mobilized fund (9.6%)
• Investment Banking (16.5%)
• Remittance (15%)
• International payment (12.9%)
• Leading position in cards services (21%)
Complete 2015 business plan
with high success
World-wide and Nation-wide
network
Largest scale in Charter Capital
and Total Equity
Experienced management
team and effective human
resources
A strong brand name with a
diversified client base
Strong shareholder support
Solid infrastructure with modern
technology system
Investment Highlights

11. Large scale & dominant market share
Assets
(USD, Bil)
Equity
(USD, Mil)
Chartered Capital
(USD, Mil)
Networks
(units)
State-ownedcreditinstitutionsJoint-stockcommercialbanks
9
10
6
13
9
31
39
36
514
1,032
645
1,031
584
2,108
1,870
2,563
433
731
564
861
428
1,217
1,562
1,701
408
318
417
346
328
725
1,113
Note: Data as of 31 /12/2015
Updated network data for VietinBank only

12. Network Overview
Presence across the nation:
• 01 Head Office in Hanoi
• 01 Trade Finance Center in Hanoi
• 149 Local branches, 962 transaction offices and
savings offices in all cities and provinces
• 02 Representative offices in Da Nang and Ho Chi
Minh City
• 03 Functional units
• 07 Subsidiaries (insurance, securities, financial
leasing, fund management, assets management, gold
and jewelry, global money transfer)
• 02 Joint-venture companies (Indovina Bank &
VietinBank Aviva Insurance Company)
• Nearly 2000 ATMs
Foreign expansion:
• 01 Branch in Frankfurt, Germany
• 01 Branch in Berlin, Germany
• 01 Subsidiary in Laos (VietinBank Lao Ltd)
• 01 Representative office in Myanmar
VietinBank has established banking relationships
with 1000 banks in 90 countries and territories all
over the world
1 Trade Finance
Center in Ha Noi
151 branches,
962 transaction
offices and
savings counters
3 Representative
offices
2 Joint-Venture
Companies
8 Subsidiaries
3 non-profit
making units
North
71 Branches +
01 Trade Finance
Center
Central
27 Branches
South
51 Branches

13. Global Reach Plan
1 Trade Finance
Center in Ha Noi
151 branches,
962 transaction
offices and savings
counters
3
Representative
offices
2 Joint-Venture
Companies
8 Subsidiaries
3 non-profit making
units
Our current position We are also proud of
having correspondences
with more than 1,000
banks in 90 countries
 Opened branches:
 Frankfurt: Sep 2011
 Laos : Feb 2012
 Berlin : May 2012
 Open representative
office in Myanmar in 2013
For the period from
2014-2015:
 Upgrading VietinBank
Laos Branch into
VietinBank Lao Ltd.,
 Establishing
VietinBank’s subsidiaries
in Cambodia and the
Republic of the Union of
Myanmar

14. Reputable & Diversified Corporate Customer
VietinBank has fostered strong banking relationships with some of the most well-
established corporates in Vietnam

15. Structure of ownership
Major Shareholders’ stakes
Shareholder
Vietnamese
Government
IFC
BTMU
Support
Government owns 64.46% of VietinBank’s
Charter Capital. Government ownership ratio will
not fall below 51% at any time.
The majority of Board of Director’s members are
appointed by the Government.
 Cooperation Agreement with IFC covers:
 Risk management
 Banking services for SMEs
 Energy Efficiency Project
 Information technology
Technical Assistance & Business Collaboration
Agreement with BTMU covers:
 Risk management & Basel II Implementation
 Information technology
 Investment banking
 Retail and SMEs banking
 Cash collection and settlement service
64.46%8.03%
19.73%
7.78%
State Bank of Vietnam
IFC
BTMU
Others
Major shareholders’ supports

16. 2015’s strategic objectives
Strengthen capital base to enhance
financial strength (CAR>9%, ROE in
the range of 10-11% and ROA in the
range of 1-1.2%)
Continues to consolidate
organizational structure and
operating model with the launch of
the ORP project (consulted by
McKinsey and Ernst & Young)
Improve service quality to increase
the portion of non-interest income
 Focus on Commercial Banking
and Investment Banking pillars
 Enlarge the retail banking
business
 Expand market and client base to
increase market share.
 Expand distribution network both
domestically and internationally
Dividend: 7-9%Focus on risk management: NPL
ratio/total credit exposure <3.0%
Growth:
 Assets: 13%
 Mobilized fund: 14%
 Credit: 13% (SBV approved to
raise to 18%)

17. VietinBank vs. other banks – QIV/2015
Unit: USD Million CTG BIDV VCB ACB STB EIB MBB SHB Average
Total Assets 35,609 38,865 30,786 9,203 13,364 5,748 10,098 9,354 19,128
Chartered capital 1,701 1,562 1,217 428 861 564 731 433 937
Balance sheet
Placements with and loans to other banks 3,016 3,069 5,972 462 101 358 1,309 1,363 1,956
Loans and advances to customers 24,581 27,339 17,686 6,123 8,493 3,872 5,544 6,004 12,455
Trading and investment securities 5,636 5,951 5,369 1,772 1,819 872 2,295 700 3,052
Trading securities 153 405 432 8 4 0 158 1 145
Investment securities 5,483 5,546 4,936 1,764 1,814 872 2,136 699 2,906
Long-term investments 178 240 162 10 15 88 73 14 98
Other assets 1,234 919 470 450 2,034 119 431 868 816
Liabilities
Deposits and borrowings from other banks 4,530 3,643 3,295 111 135 362 343 1,286 1,713
Customer deposits 22,520 25,792 22,831 7,991 11,908 4,497 8,294 6,798 13,829
Financing funds, entrusted funds 2,478 1,612 0 7 82 0 15 19 527
Other liabilities 1,955 815 544 133 192 82 210 162 512
Owner's equity and Funds 2,563 1,870 2,108 584 1,031 645 1,032 514 1,293
Income statement (accummulated)
Net interest and similar income 861 885 706 269 302 155 334 154 458
Net profit from services 67 107 85 34 53 13 25 11 49
Other income 112 137 177 (19) 31 6 42 13 62
Total income 1,039 1,129 968 284 387 175 401 178 570
Operating expenses 490 501 379 184 222 105 158 93 266
Provision for credit losses 214 265 277 40 (97) 66 96 38 112
Profit before tax 336 363 312 60 67 4 147 47 167
Profit after tax 261 292 244 47 52 3 115 37 131

18. 3. Performance
 Stable deposits growth & high liquidity
 High credit growth, well controlled NPL ratio
 Safe & diversified securities portfolio
 Strong financial results
 Contribution in subsidiaries
 CTG Stock Performance

19. Stable deposits growth
Mobilized Fund structure (USD, Mil) Deposits of customers & credit
institutions (USD, Mil)
Inner ring: As at 31 Dec 2014: USD 28,040 Mil
Outer ring: As at 31 Dec 2015: USD 32,842 Mil
0.79%
17%
71%
5%
1%
4%
1.86%
14%
69%
8%
3% 4%
Due to Gov and SBV
Deposits & borrowing from other banks
Customer Deposits
Sponsor capital, Entrusted Investment
Value paper issued
Other mobilized funds
0
5,000
10,000
15,000
20,000
25,000
30,000
2010 2011 2012 2013 2014 2015
9,566
12,050
13,568
17,156
19,957
22,520
1,492
3,366
4,572
3,796
4,895
4,530
Deposit &borrowing from other banks
Customer Deposits

20. High liquidity
Customer Deposit Breakdown by
Type of business (31/12/2015)
Customer Deposit Breakdown by
by Tenor (31/12/2015)
CAR ratio
14.49%
82.08%
0.62%
2.81% Demand deposits
Term deposits
Deposits for specific
purpose
Margin deposit
8.02%
10.57%
10.33%
13.17%
10.40% 10.31%
0%
2%
4%
6%
8%
10%
12%
14%
2010 2011 2012 2013 2014 2015
23.06%
5.55%
8.59%56.25%
6.55%
SOEs
FDI
Other business entities
Individuals
Others

21. High credit growth, sustainable LAR ratio
Total loans and advances to customer (USD, Mil)
Loan Breakdown by Type of business (31/12/2015)
Loan to Total assets ratio
Loan Breakdown by Tenor (31/12/2015)
11,018
13,811
15,690
17,711
20,704
24,581
0
5,000
10,000
15,000
20,000
25,000
30,000
2010 2011 2012 2013 2014 2015
63.69%
63.71%
66.20%
65.28%
66.53%
69.69% 70.08%
2010 2011 2012 2013 2014 1Q2015 2Q2015
56.03%
11.17%
32.80%
Short term
Medium term
Long term
24.92%
5.07%
48.45%
20.85%
0.72%
SOEs
FDI
Other business entities
Individuals
Others
63.69% 63.71%
66.20%
65.28%
66.53%
69.03%
2010 2011 2012 2013 2014 2015

22. NPL ratio is well controlled
Group
2015 2014 2013 2012
Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) %
Group 1
Current 24,209 98.48 20,295 98.03 17,404 98.27 15,394 98.11
Group 2
Special
mention
147 0.60 177 0.86 129 0.73 66 0.42
NPLs 226 0.92 231 1.12 177 1.00 230 1.47
Total 24,581 100 20,704 100 17,711 100 15,690 100
1.81% 0.61% 0.66% 0.75%
1.47%
1.00% 1.12% 0.92%
2.10%
2.50% 2.40%
3.47%
4.09%
3.79%
3.25%
2.50%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
2008 2009 2010 2011 2012 2013 2014 2015
VietinBank Banking average

23. • VietinBank has a robust credit systems, clearly defining relevant
exposure limits and credit risk appetite
• Such systems are enhanced by a strong credit culture, benefiting
from well-defined delegations of authority and reporting lines
Robust Credit Systems
• Loans and advances are relatively well allocated according to
business entities & industry sectors, ensuring a high degree of
diversification of potential risks
• The credit policy has put in place strict exposure credit limits
Well Defined Sectoral,
Single Party and Group
Exposure Credit Limits
• Comprehensive and detailed loan classification and provisioning
requirements and policies are in place, in consistent with regulatory
norms and guidelines
• Existence of robust procedures have resulted in positive
developments in non-performing asset measures in recent times
Comprehensive Loan
Classification and
Provisioning Requirements
• Strong Credit risk management system is in place which has
ensured improvement in the asset quality in this growing economic
environment
Strong Credit Risk
Management System
Asset Quality Management

24. Safe & diversified securities portfolio
Components of Investment portfolioInvestment portfolio
(USD, Mil)
5,420
6,433
6,332
7,539
8,327
8,91531.1%
29.7%
26.7%
27.8%
26.8%
28.5%
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
10,000
24%
25%
26%
27%
28%
29%
30%
31%
32%
2010 2011 2012 2013 2014 2015
Total investment Investment to total asset ratio
43%
54%
0.06%
2%
34%
64%
0.23%
2%
Interbank Debt securities
Equity securities Long-term investments
Inner ring: As at 31 Dec 2014
Outer ring: As at 31 Dec 2015

25. Strong financial results
Profit results (USD, Mil)
Financial ratios
Operating Income Breakdown
Cost to income ratio
361
625
590
559
527 549
164
296 295
273
270
261
0
100
200
300
400
500
600
700
2010 2011 2012 2013 2014 2015
Profit before provisions for credit losses Profit after tax
1.5%
2.0%
1.7%
1.4%
1.2%
1.0%
22.1%
26.7%
19.9%
13.7%
10.5% 10.3%
0%
5%
10%
15%
20%
25%
30%
0%
1%
1%
2%
2%
3%
2010 2011 2012 2013 2014 2015
ROA ROE
82% 90% 84% 84% 84% 83%
10%
5%
6% 7% 7% 6%
9% 5% 10% 9% 9% 11%
0%
20%
40%
60%
80%
100%
2010 2011 2012 2013 2014 2015
Other operating income Fees and commission income Net interest income
48.57%
40.57%
42.96%
45.49%
46.72%
47.13%
36%
38%
40%
42%
44%
46%
48%
50%
2010 2011 2012 2013 2014 2015

26. Contribution in subsidiaries
Subsidiaries
Total
contributed
capital
(USD, mil)
Percentage of
contribution
(%)
Charted capital
as at 31.12.2015
(USD, mil)
Profit before tax
as at 31.12.2015
(USD, mil)
VietinBank Lao Limited(*) 50.71 100% 50.71 1.94
VietinBank Leasing Company
Ltd 45.68 100% 45.68 (**) 4.66
VietinBank Fund Management
Company Ltd 43.4 100% 43.4 2.74
VietinBank Securities Joint
Stock Company 27.27 75,61% 38.25 (***) 4.35
VietinBank Insurance Company
Ltd 22.84 100% 22.84 3.14
VietinBank Gold and Jewelry
Trading Company Ltd 13.7 100% 13.7 0.41
VietinBank Debt Management
and Asset Exploitation Company
Ltd
5.48 100% 5.48 0.11
Global Money Transfer Company
Ltd 2.28 100% 2.28 0.5
Improving the value of life
(*): Offcially come into operation since 31/07/2015, capital & PIT are converted from Kips to USD then to VND from time to time
(**): Capital increase from $36.55 million to $45.68 million according to VietinBank’s Board Resolution.
(***): Capital increase from $36.09 million to $38.25 million thanks to stock dividend of 6%
Exchange rate: Average interbank rate of 21,890 VND/USD

27. CTG Stock Performance – QIV/2015
Value
The closing price on
01st October 2015
19,600 VND/share
The closing price on
31th December 2015
18,600 VND/share
The highest prices in
4Q2015
17,700 - 21,200 VND/share
Volume 79,763,670 share
Trading value 1,607 Billion VND
The trading volume
of foreign investors
Net purchase 1,786,270 share
Foreign owned
1,099,638,640 share
(29.53%)
Current room of
foreign investors
17,382,727 share
(0.47%)
EPS 3,071 VND/share
P/E (31th Dec 2015) 6.06x
BVPS 13,917 VND/share
P/B (31th Dec 2015) 1.34x
80%
100%
120%
140%
160%
180%
200%
220%
240%
Growth of VN-Index and Bank Stock –2015
CTG VCB BID MBB
STB ACB VNIndex
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
10,000
0
5
10
15
20
25
Thousandsdong
CTG Stock Performance – 2015
Volumn (Thousands of share) CTG price

28. Website for investors
http://investor.vietinbank.vn
For further information, please contact:
Investor Relations - Board of Director Secretariats
VietinBank
Address: 108 Tran Hung Dao street, Hanoi, Vietnam.
Email: investor@vietinbank.vn
Tel: 84-4-3 941 3622

29. Thank you!
Disclaimer :
This presentation is prepared by using financial reports and other reliable sources with the aims to provide
information only. Readers should use this presentation as a reference source. The information might be
updated from time to time and we have no responsibility to notify about that change.