This document provides an overview of VietinBank, a leading bank in Vietnam. It discusses VietinBank's history, vision, organizational structure, awards, operating results, and investment highlights. Specifically, it notes that VietinBank has the largest charter capital and total equity of any bank in Vietnam. It also has a dominant market share in key business areas and a widespread domestic and international network. Furthermore, the document outlines VietinBank's strong financial performance through stable deposit growth, high loan values, and solid capital adequacy ratios.

1. IR Presentation
Quarter III - 2014
Improving the values of life

2. Table of contents
1. General information
2. Investment highlights
3. Operating results

3. 1. General information
 Important Milestones
 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 spin-off from The State Bank of
Vietnam (SBV).
 2008
Going 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 successfully issuing
USD250mil international bond listed on Singapore
Exchange
Selling 19.73% stake to Bank of Tokyo-Mitsubishi UFJ
(BTMU) as a second foreign strategic shareholder.

5. Corporate vision & strategic objectives
Vision Strives to become the leading financial group in Vietnam and highly rated
bank in the international domain
Motto Grows prudentially, efficiently and sustainably
Overall Strategic Objectives
Continue to expand business vertically and 1 horizontally to increase market share
2 Enhance service quality to ensure the efficiency in the context of well-managed risks
3 Improve financial capability and transparency
4 Strengthen corporate governance and risk management in line with international standards
5 Accelerate modernization of the Bank
6 Become the leading financial group and key player in Vietnam
7 Maximize value of stakeholders, employees and customers

6. Robust group corporate structure
Head Office
Operation Centre Branches Representative Offices Non-profit Making Units Subsidiaries & Affiliates
Transaction Offices
1 2 3 4 5 6
VietinBank
Leasing
Company
Ltd
VietinBank
Securities
Joint Stock
company
VietinBank
Debt and
Asset
Management
Company Ltd
VietinBank
Insurance
Company
Ltd
7 8 9
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
Saving Offices
VietinBank
Global Money
Transfer
Company Ltd
International
Remittance

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
Main Operation
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
Awards Granted by
Year 2014
Top 2000 Global Enterprises (3rd - consecutive - year) Forbes Magazine
Vietnam Top Trade Services Awards Ministry of Industry and Trade
The Asset Triple A Transaction Banking - Treasury, Trade & Risk
The Asset
Management Awards 2014
Best performer with social responsibility and community
development
Ministry of Planning and Investment
Top 500 Businesses with the fastest growth rates 2013 Vietnam Report and Vietnamnet
Top 10 Vietnamese excellent Brand Ministry of Industry and Trade and Vneconomy
National Quality and International GPEA Award
Ministry of Science & Technology and The Bureau of Standards,
Metrology and Quality organization
2013 Payment card and mPOS services leaders in Vietnam. Visa
Top 100 excellent companies in Laos
Laos' Ministry of Information, Culture and Tourism; Ministry of Industry
and Trade; Vietnam Union of Science and Technology; Vietnam
Association of Small and Medium Enterprises
Year 2013
Labor Hero Title The Party and Government
First Class Independence Medal The Party and Government
2012 National Brands The Prime Minister of Vietnam
Top 500 Banking Brands The Banker
Best Borrower in Vietnam Finance Asia
National quality Gold Award Ministry of Science and Technology
Top 10 Famous Vietnamese Brand name
(for Cremium credit card and E-Partner cards)
Vietnam Intellectual Property Association
Best Agent in Multi Products/Channels Offerring Western Union
Top 10 Gold Star Awards 2013 and Top 10 outstanding enterprises
in social responsibility.
Vietnam Youth Federation in collaboration with the Young Entrepreneurs
Association
Top 50 most efficient corporations in Viet Nam Investment Bridge magazine
Top 50 best companies listed on Vietnam's stock market Forbes Vietnam

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

10. Investment Highlights
Top financial institution in Vietnam with
dominant market share:
• Loans (11.7%)
• Mobilized fund (10.1%)
• Remittance (15%)
• International payment (12.9%)
• Leading position in cards services (21%)
2
Strong
abilities
3
4
5
6
7
8
1
Highest operational efficiency
and most remarkable business
performance in Vietnamese
banking system
World-wide and Nation-wide
network
Largest scale in Charter Capital
and Total Equity
2nd largest bank in terms of Total
Assets
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

11. Large scale & dominant market share
Assets
(USD, Bil)
Equity
(USD, Mil)
Chartered Capital
(USD, Mil)
Networks
(units)
Joint-stock commercial banks State-owned credit institutions
7
9
9
7
8
25
29
28
588
692
833
791
487
1,508
2,570
2,033
441
582
585
546
417
1,324
1,254
1,752
328
346
318
417
408
725
1,092
Note: Data as of 30/09/2014

12. Network Overview
Presence across the nation:
01 Head Office in Hanoi
01 Main Operation Center in Hanoi
149 Local branches with over 900 transaction
offices and savings offices in all cities and provinces
02 Representative offices in Da Nang and Ho Chi
Minh City
04 Functional units
07 Subsidiaries (insurance, securities, financial
leasing, fund management, assets management, gold
and jewelry, global money transfering)
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 Branch in Laos
01 Representative office in Myanmar
VietinBank has established banking relationships
with 1000 banks in 90 countries and territories all
over the world
1 Main Operation
Center in Ha Noi
152 branches,
over 900
transaction
offices and
savings counters
3 Representative
offices
2 Joint-Venture
Companies
7 Subsidiaries
4 non-profit
making units
North
72 Branches +
01 Main Operation
Center
Central
27 Branches
South
51 Branches

13. Global Reach Plan
Our current position We are also proud of
1 Main Operation
Center in Ha Noi
152 branches, over
900 transaction
offices and savings
counters
3
Representative
offices
2 Joint-Venture
Companies
7 Subsidiaries
4 non-profit making
units
having correspondences
with more than 1,000
banks in 90 countries
 Opened a branch:
 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 a
wholly-owned subsidiary;
 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
19.73%
7.78%
8.03% 64.46%
State Bank of Vietnam
IFC
BTMU
Others
Major shareholders’ supports

16. 2014’s strategic objectives
Strengthen capital base to enhance
financial strength (CAR>=10%, ROE
in the range of 10-12% and ROA in
the range of 1.2-1.5%)
Growth:
 Assets: 11%
 Equity: 1.6%
 Mobilized fund:12%
 Credit and investment:13%
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 share 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
Focus on risk management: NPL Dividend: 10%
ratio/total credit exposure <= 3.0%

17. VietinBank vs other banks – Q3/2014
(Unit: USD Million) CTG BIDV VCB ACB STB EIB MBB SHB Average
Total Assets 29,229 28,191 24,957 8,443 8,784 6,643 8,877 7,209 15,292
Chartered capital 1,753 1,323 1,254 441 585 582 546 417 863
Balance sheet
Placements with and loans to other
2,846 2,736 5,188 289 270 1,357 573 1,176 1,804
banks
Loans and advances to customers 18,774 19,412 14,223 5,326 5,859 3,769 4,349 4,523 9,529
Trading and investment securities 5,664 4,091 4,033 2,094 1,548 787 3,169 615 2,750
Trading securities 223 201 341 77 581 - 326 2 219
Investment securities 5,441 3,889 3,692 2,017 967 787 2,843 613 2,531
Long-term investments 178 225 144 43 12 92 75 14 98
Other assets 1,272 1,157 360 482 491 228 524 642 645
Liabilities - - - - - - - - -
Deposits and borrowings from other
4,418 2,829 1,807 472 280 1,494 185 917 1,550
banks
Customer deposits 18,727 18,807 18,231 7,069 7,344 4,216 7,551 5,401 10,918
Financing funds, entrusted funds 1,215 2,036 - 16 165 - 6 - 430
Other liabilities 1,983 733 651 156 162 77 221 124 513
Owner's equity and Funds 2,570 1,508 2,036 589 833 695 791 487 1,189
Income statement (accummulated)
Net interest and similar income 212.23 167.51 138.61 46.97 87.45 33.23 73.24 34.59 99.23
Net profit from services 11.63 30.36 20.80 8.67 10.70 4.19 12.96 1.36 12.58
Other income 18.83 33.37 30.36 7.27 10.37 2.55 10.60 1.54 14.36
Total income 242.68 231.24 189.78 62.90 108.52 39.97 96.79 37.50 126.17
Operating expenses 130.52 88.68 75.07 42.84 49.94 22.69 37.00 20.29 58.38
Provision for credit losses (36.48) 49.28 52.01 4.03 21.95 3.95 25.79 6.17 15.84
Profit before tax 75.64 93.34 62.74 16.02 36.63 13.32 33.98 11.11 42.85
Profit after tax 58.88 74.65 49.04 12.43 28.60 10.31 27.25 8.94 33.76

18. 3. Operating results
 Stable deposits growth & high liquidity
 High loans value, NPL ratio is well controlled
 Safe & diversified securities portfolio
 Strong financial results
 Contribution in subsidiaries

19. Stable deposits growth
Mobilized Fund structure (USD, Mil) Deposits of customers & credit
institutions (USD, Mil)
Inner ring: As at 31 Dec 2013: USD 23,256 Mil
Outer ring: As at 30 Sep 2014: USD 26.127 Mil
16%
0.13%
0.03%
71%
1%
6%
3%3%
17%
72%
5%
6%
Due to Gov and SBV
Deposits & borrowing from other banks
Customer Deposits
Sponsor capital, Entrusted Investment
Value paper issued
Other mobilized funds
25,000
20,000
15,000
10,000
5,000
0
9,566
12,050 13,568
17,156
16,676
17,792
18,728
1,492
3,366
4,572
3,796
3,405
4,142
4,420
Deposit &borrowing from other banks
Customer Deposits

20. High liquidity
Customer Deposit Breakdown by
Type of business (30.06.2014)
5.71%
Customer Deposit Breakdown by
by Tenor (30.09.2014)
CAR ratio
2.30% Demand deposits
14.73%
0.86%
82.11%
Term deposits
Deposits for specific
purpose
Margin deposit
8.02%
10.57% 10.33%
13.17% 13.16%
12.57%
11.77%
14%
12%
10%
8%
6%
4%
2%
0%
27.47%
8.45%
3.82%
54.55%
SOEs
Other business entities
FDI
Individuals
Others

21. High loans value, sustainable LAR ratio
Total loans and advances to customer (USD, Mil)
20,000
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
Loan Breakdown by Type of business (30.06.2014)
Loan to Total assets ratio
Loan Breakdown by Tenor (30.09.2014)
11,018
13,811
15,690
17,711
16,672
17,791
18,774
0
2010 2011 2012 2013 Q1/2014Q2/2014Q3/2014
64.23%
Q2/2014 Q3/2014
60.20%
30.77%
9.04%
Short term
Medium term
Long term
0.66%
32.44%
14.62%
4.72%
47.56%
SOEs
Other business entities
FDI
Individuals
Others
63.69%
63.71%
66.20%
65.28%
63.39%
63.25%
64.23%
2010 2011 2012 2013 Q1/2014 Q2/2014 Q3/2014

22. NPL ratio is well controlled
Group Q3/2014 Q2/2014 Q1/2014 2013 2012 2011
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD, mil)
%
Value
(USD, mil)
%
Group 1
Current
18,366 97.83 17,203 96.69 16,130 96.74 17,404 98.27 15,394 98.11 13,424
97.2
0
Group 2
Special
mention
0.8 0.42 138 0.78 246 1.48 129 0.73 66 0.42 283 2.05
NPLs 328.4 1.75 451 2.53 297 1.78 177 1.00 230 1.47 104 0.75
Total 18,695 100 17,791 100 16,672 100 17,711 100 15,690 100 13,811 100
1.81%
0.61% 0.66% 0.75%
1.47%
1.00%
1.78%
2.53%
1.75%
2.10%
2.50% 2.40%
3.47%
4.09%
3.79% 3.86%
4.17%
3.88%
5%
4%
4%
3%
3%
2%
2%
1%
1%
0%
2008 2009 2010 2011 2012 2013 Q1/2014 Q2/2014 Q3/2014
VietinBank
Banking average

23. Asset Quality Management
• VietinBank has in place 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
• Advances are relatively well diversified across business entities &
Industrial sectors, ensuring a high degree of diversification of
potential risks
• The credit policy has put in place strict exposure limits
Well Defined Sectoral,
Single Party and Group
Exposure Limits
• Comprehensive and detailed loan classification and provisioning
requirements and policies are in place, 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

24. Safe & diversified securities portfolio
Components Investment portfolio of Investment portfolio
(USD, Mil)
30.01% 8,700
6,286 6,314
5,197
29.79%
7,836 8,035
7,524
28.98%
26.64%
27.25%
29.76%
28.57%
10,000
9,000
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
31%
30%
29%
28%
27%
26%
25%
24%
Total investment Investment to total asset ratio
Inner ring: As at 31 Dec 2013
Outer ring: As at 30 Sep 2014
45%
30%
3%
19%
2%
0.49%
33%
41%
4%
20%
0.05%
2%
Interbank
Government Bond
Debt securities issued by credit institutions
Debt securities issued by business entities
Equity securities
Long-term investments

25. Strong financial results
Profit results (VND, bn)
Financial ratios
Operating Income Breakdown
9% 5% 10% 9% 7% 5% 5%
Cost to income ratio
700
600
500
400
300
200
100
0
2010 2011 2012 2013 Q1/2014 Q2/2014
(accum)
Q3/2014
(accum)
361
625
590
559
117
263
375
164
296 295
273
54
142
201
Profit before provisions for credit losses Profit after tax
1.50%
2.03%
1.70%
1.40% 1.45% 1.32%
1.22%
22.10%
26.74%
19.90%
13.70%
11.50%
11.26% 10.49%
30%
25%
20%
15%
10%
5%
0%
3%
2%
2%
1%
1%
0%
2010 2011 2012 2013 Q1/2014 Q2/2014 Q3/2014
ROA ROE
100%
80%
60%
40%
20%
0%
2010 2011 2012 2013 Q1/2014 Q2/2014
(accum)
Q3/2014
(accum)
82%
90% 84%
84% 85% 87% 88%
10%
5%
6% 7% 8% 8% 7%
Other operating income Fees and commission income
Net interest income
48.57%
40.57%
42.96%
45.49%
50.23%
43.20%
46.86%
60%
50%
40%
30%
20%
10%
0%
2010 2011 2012 2013 Q1/2014 Q2/2014
(accum)
Q3/2014
(accum)

26. Contribution in subsidiaries
Subsidiaries
Total
contributed
capital
(USD, mil)
Percentage
of
contribution
(%)
Charted capital
as at 30/09/2014
(USD, mil)
Profit before tax
as at 30/09/2014
(USD, mil)
VietinBank Fund
Management Company Ltd 44.71 100% 44.71 0.96
VietinBank Leasing Company
Ltd 37.65 100% 37.65 3.03
VietinBank Securities Joint
Stock Company 28.10 75.61% 37.18 2.76
VietinBank Insurance
Company Ltd 23.53 100% 23.53 2.15
VietinBank Gold and Jewelry
Trading Company Ltd 14.12 100% 14.12 0.18
VietinBank Debt Management
and Asset Exploitation
5.65 100% 5.65 0.07
Company Ltd
Global Money Transfer
Company Ltd 2.35 100% 2.35 0.41

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

28. 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.