VietinBank is a leading bank in Vietnam that was established in 1988. It has a network of over 1,000 branches and transaction offices across Vietnam and internationally. VietinBank has achieved strong financial performance in recent years, with growing deposits, loans, and profits. It aims to further expand its market share and distribution network both domestically and abroad in the coming years.

1. IR Presentation
Quarter III - 2016
(Exchange rate: 21,949 VND/USD)
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. Strong operational structure
Head Office
VietinBank
Laos Limited
Trade Finance
Center
Branches Representative Offices
Non-profit Making
Units
Subsidiarires and
Associated Companies
Transaction Offices
Indovina Joint
Venture Bank
Saving Offices
Non financial Subsidiarires
Financial Subsidiarires and
Associated Companies
VietinBank
Securities JSC
VietinBank
Fund
Management
Company Ltd.
VietinBank
Leasing
Company Ltd.
VietinBank
Global Money
Transfer
Company Ltd.
VietinBank
Insurance
Company Ltd.
VietinBank
Aviva Life
Insurance
Company Ltd.
VietinBank Gold
and Jewelry
Trading
company Ltd .
VietinBank Debt
and Asset
Management
Company Ltd.
Insurance
Other Financial
Services
Investment
Bank
Commercial
Bank

7. Solid management structure and governance
Supervisory Board
Board of Directors
Board of Management
Internal Audit
Committees:
1. HR and Remuneration
Committee
2. Assets and Liabilities
Management Committee
3. Risk Management Committee
4. Policy Committee
Corporate
Banking
Division
Retail
Banking
Division
Treasury
& Capital
Markets
Division
Risk
Management
Division
General Shareholder s’ Meeting
Secretariat to the Board
Credit Committee
Financial Institutions Committee Payment Committee
Information
Technology
Division
Other
Department
Branches Subsidiarires
Human
Resources
Division
Operating
Division

8. Awards and accolades
VietinBank at the 5th place of Top 10
Vietnam Corporations of largest Income
Tax Contribution. At the same time,
VietinBank is the leading bank among 9
banks that was named in Top 50
Corporations of Highest Income Tax
Contribution.
Our strength in technology advancement
was honoured by Khue Star Award for
three innovative products including
Assets & Liabilities Management
System, VietinBank iPay app for smart
phones and non-cash payment service
for hospital bills.
VietinBank is the only corporation in
financial & banking industry that was
named in Top 10 of Vietnam Gold Star
Award.
VietinBank was the only Vietnamese
banks in Global 400 with total brand
value worth of USD 249 million; the only
bank in Top 10 most valuable
Vietnamese’s brands in 2016; highest
growth brand.
VietinBank gained the best retail
banking awards in Viet Nam for 2016.
VietinBank was named in Forbes Global
2000 for the fourth consecutive years.
VietinBank is the only bank that was
recognized as “Best Information
Security Bank in 2015”.
Top 3 payment award by Visa in 2015
and Top 3 highest transactions of
MasterCard in 2014 - 2015.
Top 50 Vietnam Best Growth for 2009 -
2014 period and Top 20 of 500 Largest
Companies (VNR500) which was
presented by Vietnam Report.
VietinBank is the 1st Vietnamese bank to
achieve award as best supplier of trade
finance activities, along with international
famous banks in Asia, such as BTMU,
JP Morgan Chase, Citibank, Standard
Chartered, HSBC.

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 (12.75%)
• Mobilized fund (10.6%)
• Investment Banking (16.5%)
• Remittance (15%)
• International payment & Trade Finance (12.6%)
• Leading position in cards services (22%)
Outstanding business
performance in QIII/2016
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
Assets
(USD, Bil)
Equity
(USD, Mil)
Chartered Capital
(USD, Mil)
Networks
(units)
State-ownedcreditinstitutionsJoint-stockcommercialbanks
10
11
6
10
10
34
43
41
545
1,172
608
1,033
625
2,166
2,092
2,793
432
743
563
859
427
1,639
1,558
1,696
500
408
318
563
349
460
1,006
1,119
Note: Data as of 30/09/2016

12. Network Overview
Presence across the nation:
• 01 Head Office in Hanoi
• 01 Trade Finance Center in Hanoi
• 155 Local branches, 961 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
155 branches,
961 transaction
offices and
savings counters
3 Representative
offices
2 Joint-Venture
Companies
8 Subsidiaries
3 non-profit
making units
North
73 Branches +
01 Trade Finance
Center
Central
29 Branches
South
53 Branches

13. Global Reach Plan
1 Trade Finance
Center in Ha Noi
157 branches,
961 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
 Upgrading VietinBank
Laos Branch into
VietinBank Lao Ltd.,: Aug
2015
For the period from 2016-
2017:
 Upgrading Pakse Transaction
Office in to Branch
 Establishing new Transaction
Office in Vienchan and other
povinces

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

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. 2016’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 0.9-1.2%)
 Focus on Commercial Banking
and Investment Banking pillars
 Enlarge the retail banking
business
Improve service quality to increase
the portion of non-interest income
Focus on risk management: NPL
ratio/total credit exposure <3.0%
 Expand market and client base to
increase market share.
 Expand distribution network both
domestically and internationally
Dividend: 7-9%
Continues to consolidate
organizational structure and
operating model
Growth:
 Assets: 14%
 Mobilized fund: 14%
 Credit: 18%

17. VietinBank vs. other banks – QIII/2016
Unit: USD Million CTG BIDV VCB ACB STB EIB MBB SHB Average
Total Assets 41,039 43,299 33,604 10,427 14,582 5,649 10,926 9,796 21,165
Chartered capital 1,696 1,558 1,639 427 859 563 743 432 990
Balance sheet
Placements with and loans to other banks 3,603 3,516 4,873 240 106 421 1,136 1,112 1,876
Loans and advances to customers 28,494 30,763 20,406 7,281 8,661 3,677 6,633 6,713 14,078
Trading and investment securities 6,388 6,903 6,438 1,956 2,558 901 2,298 923 3,545
Trading securities 269 536 275 44 4 0 19 2 144
Investment securities 6,118 6,367 6,163 1,912 2,554 901 2,279 920 3,402
Long-term investments 151 202 164 9 14 85 72 10 88
Other assets 1,400 1,021 577 380 2,022 116 410 806 842
Liabilities
Deposits and borrowings from other banks 3,069 3,585 2,602 152 254 107 817 1,002 1,448
Customer deposits 28,497 32,342 26,113 9,175 13,003 4,700 8,510 7,430 16,221
Financing funds, entrusted funds 358 521 0 7 63 0 13 36 125
Other liabilities 5,186 946 703 208 229 94 305 166 980
Owner's equity and Funds 2,793 2,092 2,166 625 1,033 608 1,172 545 1,379
Income statement (accummulated) 0 0 0 0 0 0 0 0 0
Net interest and similar income 784 761 622 225 169 109 260 108 380
Net profit from services 55 78 72 30 46 10 21 7 40
Other income 80 144 142 (14) 35 10 29 19 56
Total income 919 984 836 241 249 129 310 134 475
Operating expenses 397 404 342 159 193 77 131 76 222
Provision for credit losses 227 318 206 26 31 42 51 22 115
Profit before tax 295 262 288 57 25 9 127 36 137
Profit after tax 237 213 231 45 21 7 102 29 111

18. 3. Performance
 Stable deposits growth & high liquidity
 High credit growth, well controlled NPL ratio
 Safe & diversified securities portfolio
 Strong financial results
 Efficient 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 2015: USD 32,542 Mil
Outer ring: As at 30 Sep 2016: USD 37,076 Mil
0.35%
13%
66%
7%
2%
2%
0.61%
8%
77%
1%
2%
11%
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
35,000
12,050
13,568
17,156 19,957
22,520
23,033
26,351
28,497
3,366
4,572
3,796
4,895
4,530 4,779
4,028
3,069
Deposit &borrowing from other banks
Customer Deposits

20. High liquidity
Customer Deposit Breakdown by
Type of business (31/12/2015)
Customer Deposit Breakdown by Tenor
(30/09/2016)
12.68%
84.39%
0.65%
2.28%
Demand deposits
Term deposits
Deposits for specific purpose
Margin deposit
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 (30/09/2016)
63.69%
63.71%
66.20%
65.28%
66.53%
69.69% 70.08%
2010 2011 2012 2013 2014 1Q2015 2Q2015
55.39%
11.38%
33.23%
Short term
Medium term
Long term
24.92%
5.07%
48.45%
20.85%
0.72%
SOEs
FDI
Other business entities
Individuals
Others
63.71%
66.20%
65.28%
66.53%
69.03%
69.90%
69.73%
69.43%
2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016
13,811
15,690
17,711
20,704
24,581 25,319
27,105
28,494
0
5,000
10,000
15,000
20,000
25,000
30,000
2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016

22. NPL ratio is best controlled among banking system
Group
QIII/2016 QII/2016 QI/2016 2015 2014
Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) %
Group 1
Current 28,097 98.27 26,589 98.10 24,841 98.11 24,209 98.48 20,295 98.03
Group 2
Special mention 250 0.87 271 1.00 235 0.93 147 0.60 177 0.86
NPLs 246 0.86 245 0.91 243 0.96 226 0.92 231 1.12
Total 28,494 100 27,105 100 25,319 100 24,581 100 20,704 100
0.66%
0.75%
1.47%
1.00%
1.12%
0.92% 0.96% 0.91% 0.86%
2.40%
3.47%
4.09%
3.79%
3.25%
2.50% 2.62% 2.58% 2.62%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
2010 2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016
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)
6,433 6,332
7,539
8,327
8,915
8,470
9,283
10,32029.7%
26.7%
27.8%
26.8%
28.5%
23.4%
23.9%
25.1%
0
2,000
4,000
6,000
8,000
10,000
12,000
0%
5%
10%
15%
20%
25%
30%
35%
Total investment Investment to total asset ratio
34%
64%
0.23%
2%
35%
63%
0.50%
1%
Interbank Debt securities
Equity securities Long-term investments
Inner ring: As at 31 Dec 2015
Outer ring: As at 30 Sep 2016

25. Strong financial results
Profit results (USD, Mil)
Financial ratios
Operating Income Breakdown
Cost to income ratio
625
590
559
527 549
176
333
522
296 295 273 270
261
88
156
237
0
100
200
300
400
500
600
700
2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016
Profit before provisions for credit losses Profit after tax
2.03%
1.70%
1.40%
1.20%
1.02%
1.22%
1.05% 1.03%
26.74%
19.90%
13.70%
10.50% 10.29%
13.48%
11.81% 11.80%
0%
5%
10%
15%
20%
25%
30%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
2011 2012 2013 2014 2015 QI/2016 QII/2016QIII/2016
ROA ROE
90%
84% 84% 84% 83% 83% 87% 85%
5%
6% 7% 7% 6% 6%
6% 6%
5% 10% 9% 9% 11% 11% 7%
9%
0%
20%
40%
60%
80%
100%
2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016
Other operating income Fees and commission income Net interest income
40.57%
42.96%
45.49%
46.72%
47.13%
40.76%
43.72%
43.16%
36%
38%
40%
42%
44%
46%
48%
2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016

26. Efficient subsidiaries
Subsidiaries
Total
contributed
capital
(USD, mil)
Percentage of
contribution
(%)
Charted capital
as at 30/09/2016
(USD, mil)
Profit before tax
as at 30/09/2016
(USD, mil)
VietinBank Lao Limited(*) 50 100% 50 2.57
VietinBank Leasing Company
Ltd 45.56 100% 45.56 4.01
VietinBank Fund Management
Company Ltd 43.28 100% 43.28 1.20
VietinBank Securities Joint
Stock Company 31.15 75.61% 41.20 2.78
VietinBank Insurance Company
Ltd 22.78 100% 22.78 2.17
VietinBank Gold and Jewelry
Trading Company Ltd 13.67 100% 13.67 0.52
VietinBank Debt Management
and Asset Exploitation Company
Ltd
5.47 100% 5.47 0.08
Global Money Transfer Company
Ltd 2.28 100% 2.28 0.36

27. CTG Stock Performance – QIII/2016
Value
The closing price on
01st July 2016
17,000 VND/share
The closing price on
30th Sep 2016
17,000 VND/share
The highest prices in
QIII/2016
16,800 – 18,900 VND/share
Volume 54,939,021 share
Trading value 849,431 Billion VND
The trading volume
of foreign investors
Net buying 4,958,810 share
Foreign owned 29.98%
EPS 1,732 VND/share
P/E (30th Sep 2016) 9.82x
BVPS 16,464 VND/share
P/B (30th Sep 2016) 1.103x
60%
80%
100%
120%
140%
Growth of VN-Index and Bank Stock – QIII/2016
CTG VCB BID MBB
STB ACB VNIndex
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
14.5
15.0
15.5
16.0
16.5
17.0
17.5
18.0
18.5
19.0
Thousandsdong
CTG Stock Performance – QIII/2016
Volumn (Thousands of share) CTG price

28. Website for investors
http://investor.vietinbank.vn
For further information, please contact:
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.