VietinBank's business results continued to grow positively in 9M2021. Some key highlights include: - Total assets grew 7.9% year-to-date, while credit exposure and customer deposits increased 6.3% and 8.3% respectively. - Profit before tax was up 34.2% year-over-year to VND 13,911 billion in 9M2021. - Non-performing loans remained under control at 1.67% as of the end of 3Q2021, and the debt coverage ratio improved to 118.6%. - Capital structure shifted positively with increased deposits from retail and SME customers, helping to optimize funding costs.

1. 2021VIETINBANK
INVESTORS UPDATE
3Q2021 & 9M2021
1

2. 2
1
BUSINESS PERFORMANCE IN 3Q2021 & 9M2021
OUTLOOK FOR 2021
2
CONTENTS
APPENDIX
3

3. Positive business results in the context of the 4th COVID wave covering the economy
Total assets
1,448 VND, Tn
(30/09/2021)
7.9%
(ytd)
6.3%
(ytd)
Credit exposure
1,093 VND,Tn
(30/09/2021)
Customer deposits
1,073 VND, Tn
(30/09/2021)
8.3%
(ytd)
Total income
39,261 VND, Bn
(9M2021)
22%
(yoy)
Profit before tax
13,911 VND, Bn
(9M2021)
34.2%
(yoy)
22.2%
(yoy)
IN 9M2021, VIETINBANK'S BUSINESS RESULTS CONTINUED TO GROW POSITIVELY
Business efficiency growth was higher than scale growth.
Provision expenses
14,004 VND, Bn
(9M2021)
CIR
28.9%
(9M2021)
35.5%
(FY2020)
NPL
1.67%
(30/9/2021)
0.94%
(FY2020)
Debt coverage ratio
118.6%
(30/09/2021)
84.2%
(30/9/2020)
1
2
3
4
5
6
7
8
9
Positive
Positive
Positive
Top bank
3

4. Highlights of business results in 3Q2021:
VietinBank has grown steadily, ensuring profitability, liquidity and asset quality
Total assets growth (yoy) 4.9% 14.8%
Total liabilities growth (yoy) 4.5% 14.8%
CASA proportion 18.0% 19.3%
Credit growth (ytd) 1.8% 6.3%
TOI growth (yoy) 10.9% 6.5%
NII growth (yoy) 9.0% 8.7%
Non-NII growth (yoy) 18.9% -2.0%
Credit cost 1.2% 1.3%
CIR 32.6% 29.8%
Growth of net profit before provision to credit losses (yoy) 17.2% 10.9%
Growth of PBT (yoy) -7.0% 5.4%
BUSINESS RESULTS (P&L)
NPL ratio 1.87% 1.67%
Debt coverage ratio 84.2% 118.6%
NIM 2.8% 3.1%
ROA 1.1% 1.3%
ROE 13.9% 16.6%
LDR ratio 84.5% 82.2%
Ratio of short term funding used by medium & long term
loans
29.4% 24.2%
01
05
Total operating income (TOI) in 3Q2021 was up 6.5% (yoy) thanks
to the main motivation of Net interest income (NII), Net fee and
service income (NFI), other operating income.
1
2 01
NII in 3Q2021 increased by 8.7% (yoy) – the result of good control
of capital costs and improved profitability of credit portfolio.
Effective cost control, CIR 2Q2021 was controlled at 29.8%.
NPL was kept at 1.67%. Debt coverage ratio reached 118.6%.
NIM ratio improved significantly yoy, reaching 3.1% thanks to good
control of cost of capital (COF) through improvement of CASA
ratio and strong shift of retail and SME loans .
05
Profitability was good and both improved, ROA reached 1.3% and
ROE reached 16.6% thanks to more efficient asset allocation and
exploitation.
1
2
3
4
5
6
HIGHLIGHTS OF BUSINESS RESULTS IN 3Q2021
4
3Q20 3Q21
SCALE 3Q20 3Q21
3
DEBTS & ASSETS QUALITY 3Q20 3Q21
4
PROFITABILITY 3Q20 3Q21
5
6
EQUITY AND LIQUIDITY 3Q20 3Q21

5. Market share: (Source: SBV)
 Customer Deposits (as at 30/9/2021): 10.17%
Market share: (Source: CIC)
 Loans to Customers (as at 30/9/2021): 10.96%
TOTAL ASSETS (VND, Tn)
1,178
1,256 1,252
1,380
1,352
3Q20 4Q20 1Q21 2Q21 3Q21
939
990 1,004
1,040
1,073
3Q20 4Q20 1Q21 2Q21 3Q21
958
1,015 1,017
1,077 1,085
3Q20 4Q20 1Q21 2Q21 3Q21
1,261
1,341 1,344
1,473 1,448
3Q20 4Q20 1Q21 2Q21 3Q21
TOTAL LIABILITIES (VND, Tn)
CUSTOMER DEPOSITS (VND, Tn) LOANS TO CUSTOMERS (VND, Tn)
Go upward steadily Keep uptrend steadily, synchronized
with customer deposit growth
VietinBank
synchronously
deploys many
support solutions
to customers
Some scale indicators decreased slightly compared to the previous quarter due to the impact of the
4th COVID wave but increased well compared to the same period last year.
Slightly decrease qoq, well increase yoy
The prolonged 4th
wave of Covid-19
imposed the great
impact on the
activities of
businesses and
people's lives
Some of VietinBank's scale
indicators in 3Q2021 decreased
slightly compared to the previous
quarter; however, all scale indicators
grew at double digits compared to
the same period last year. Loans
from customers have maintained a
stable growth trend over the quarters
1 2
5
3

6. Capital structure shifted positively; CASA increased mainly from retail segment, helping
to increase cost of capital advantage and optimal utilization of business opportunities
63.7% 62.1% 57.9% 57.6% 56.4%
36.3% 37.9% 42.1% 42.4% 43.6%
3Q20 4Q20 1Q21 2Q21 3Q21
Retail Corporate
CUSTOMER DEPOSITS BREAKDOWN BY TENOR
(VND, Tn)
CASA FUNDING BREAKDOWN BY
CUSTOMER SEGMENT (%)
CUSTOMER DEPOSITS BREAKDOWN BY CURRENCY (%)
57.6%
55.8%
55.4%
56.6%
55.7%
55.9%
9.8%
10.0%
10.1%
9.4%
9.7%
9.9%
22.6%
23.0%
23.4%
22.4%
23.9%
23.7%
10.0%
11.2%
11.1%
11.6%
10.7%
10.5%
3Q20
4Q20
4Q20 (*)
1Q21
2Q21
3Q21
Retail SMEs Large corporate FDI
770 796 816 845 866
169 194 188 194 207
3Q20 4Q20 1Q21 2Q21 3Q21
Term deposit CASA
 12.5% YoY
 22.2% YoY
93.3% 93.4% 94.1% 91.7% 94.7%
6.7% 6.6% 5.9% 5.2% 5.3%
3Q20 4Q20 1Q21 2Q21 3Q21
Foreign currency VND
(*): VietinBank conducted periodic
review at the beginning of 2021,
resulted in some customers being
switched from retail segment to
corporate one.
Capital enjoyed positive ytd
growth (+8%); proportion of
deposits from retail and SME
segments slightly increased.
Continue to maintain high
CASA funding by promoting
retail CASA, developing
payment banking services,
strongly deploying online
platforms such as eFAST,
iPay, eKYC... to optimize
capital expenditure.
1
2
CUSTOMER DEPOSITS BREAKDOWN BY TYPE OF BUSINESS
(%)
Retail segment increased steadily
6

7. CASA from retail segment grew well thanks to promoting digitization of personal financial services
(iPay, eKYC...)
Up 44%
2.7
3.0 3.2
3.6
3.9
3Q20 4Q20 1Q21 2Q21 3Q21
Million
customers
THE NUMBER OF INDIVIDUAL CUSTOMERS USING
E-BANKING
THE NUMBER OF E-BANKING TRANSACTIONS OF
INDIVIDUAL CUSTOMERS
51.6
63.7
71.7
84.4
98.1
3Q20 4Q20 1Q21 2Q21 3Q21
Million
transactions
Up 90%
E-BANKING TRANSACTION VALUE OF
INDIVIDUAL CUSTOMERS
603.6
752.9
903.6
1,140.3 1,135.5
3Q20 4Q20 1Q21 2Q21 3Q21
VND,
Tn
Up 88%
18%
6%
33%
44%
10%
2%
13%
75%
Branches
POS
ATM
E-banking
BREAKDOWN OF TRANSACTION BY CHANNEL
Inner ring : 3Q2020
Outer ring: 3Q2021
The number of retail
customers, transaction
volume and value through E-
banking has grown strongly
in the past 1 year
1
The proportion of
transactions through direct
channels (branches)
decreased sharply, clearly
reflects the trend of changing
transaction habits of
VietinBank customers.
2
E-banking channel for retail
customers still has a lot of
room for development when
VietinBank is planning to
increase the digital
ecosystem and promote
digital transformation in the
near future.
3
Capital structure shifted positively with an increase in the
proportion of deposits in retail and SME segments
Promote personal
financial services
(Ipay, eKYC...)
Transaction structure changed strongly from
traditional channel to E-banking
Development of payment banking activities
7

8. CASA from corporate customer segment improved by promoting the digitization of financial
services for business customers (eFAST)
THE NUMBER OF CORPORATE
CUSTOMERS USING ELECTRONIC
CHANNELS
THE NUMBER OF TRANSACTIONS VIA
ELECTRONIC CHANNELS OF
CORPORATE CUSTOMERS
TRANSACTION VALUE VIA CHANNELS
OF CORPORATE CUSTOMERS
Sharply increased 132,1%
in number of customers (yoy)
11,7%
in transaction number (yoy)
Sharply increased 61,6%
in transaction value (yoy)
Strong increase in the number and value of transactions via eFAST
1
The number of transactions decreased
slightly but the transaction value
increased sharply qoq, the average
transaction value increased
2
63.4
77.0
82.2
124.5
147.1
0
20
40
60
80
100
120
140
160
3Q20 4Q20 1Q21 2Q21 3Q21
Thousand
customers
4.3
5.4 5.2
5.8
4.7
0
1
2
3
4
5
6
7
3Q20 4Q20 1Q21 2Q21 3Q21
Million
transaction
581.0
456.3
589.5
779.5
939.0
0
100
200
300
400
500
600
700
800
900
1,000
3Q20 4Q20 1Q21 2Q21 3Q21
VND,
Tn
VietinBank actively invests
in developing digital
banking, developing a
variety of customer service
features on modern
applications, attracting
CASA, reducing operating
costs and becoming a
popular transaction channel
for corporate customers,
especially in the context of
the Covid-19 pandemic.
3
8

9. Credit continued its growth trend and portfolio structure shifted in the right direction
57.9%
58.5%
58.1%
59.2%
59.5%
5.7%
6.1%
6.0%
6.1%
6.0%
36.4%
35.4%
35.9%
34.8%
34.5%
3Q20
4Q20
1Q21
2Q21
3Q21
Short term Mid-term Long term
91.5% 91.7% 92.0% 91.3% 91.5%
8.5% 8.3% 8.0% 8.7% 8.5%
3Q20 4Q20 1Q21 2Q21 3Q21
Foreign currencies VND
24.7% 24.6% 23.1% 23.8% 23.9%
75.3% 75.4% 76.9% 76.2% 76.1%
3Q20 4Q20 1Q21 2Q21 3Q21
Collateralized loans Non-collateralized loans
317 337 346 361 367
212 229 236 248 252
376 389 382 407 393
52 56 53 58 62
3Q20 4Q20 1Q21 2Q21 3Q21
FDI Large corporate SME Retail
(*): VietinBank conducted periodic review at the beginning of 2021, resulted in some customers being switched from retail segment to corporate one.
Credit continued its growth
trend but slowed down in
3Q2021 due to the impact of the
Covid-19 pandemic.
LOANS BREAKDOWN BY SEGMENT (*)
(VND, Tn)
LOANS BREAKDOWN BY CURRENCY (%)
LOANS BREAKDOWN BY
COLLATERAL/NON-COLLATERAL
LOANS BREAKDOWN BY TENOR (%)
Credit structure shifted in the
right direction, increasing the
proportion in high profit and
potential segments such as SME
and Retail (increasing for 5
consecutive quarters).
1
2
Keep
uptrend
momentum
continuously
9
18.9%
4.4%
19%
15.7%
YoY

10. Credit growth was concentrated inpotential industries/fields for growth, retail lending was
promoted by production, business and mortgage loans.
2% 2% 2% 2% 3%
5%
5% 4% 4% 4%
2% 2% 2% 2%
2%
4%
4% 4%
4%
4%
2%
1% 1%
1%
1%
4%
4% 5%
5%
6%
10%
9% 9% 9%
8%
15% 15% 15% 15%
15%
25% 24% 24% 24% 24%
32% 32% 32% 33% 33%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
3Q20 4Q20 1Q21 2Q21 3Q21
Wholesale & retail,
repairing of cars, motor
vehicles, motor cycles
Manufacturing &
processing
Trading & services
Construction
Electricity, fuel gas &hot
water
Mining
Agricultural, forestry &
aquaculture
Transport, warehouse,
information &
communication
Households
Other sectors
RETAIL
LOAN
BREAKDOWN
BY
PRODUCT
4.8% 5.0% 4.5% 4.1% 3.4%
0.4% 0.5% 0.5% 0.5% 0.5%
3.1% 3.0% 3.… 3.1% 3.…
0.9% 0.9% 0.9% 0.8% 0.…
30.5% 29.… 29.9% 30.2% 30.0%
60.3% 60.7% 61.2% 61.3% 62.0%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
3Q20 4Q20 1Q21 2Q21 3Q21
Business &
manufacturing
Mortgage
Automobile
loans
Other
consumer
loans
Credit cards
2
The loan structure focuses on
industries and fields with
potential for development such
as electricity production and
distribution; consumer real
estate; processing and
manufacturing industries
(producing animal feed,
cement, rubber...)
Retail loans focused on
production, business and
mortgage, growing by 1.3% and
0.2% ytd.
LOAN BREAKDOWN
BY SECTOR
RETAIL LOAN BREAKDOWN
BY PRODUCT
10
2
1
LOAN
BREAKDOWN
BY
SECTOR
1

11. 30,694
39,261
13,911
4,493
4,074
11,346
14,004
NII NFI (incl.
guarantee
fee)
Other
income
TOI Operating
expenses
Provision PBT
Positive profit growth in 9M2021 from good growth in operating income and reasonable
cost control
PROFIT STRUCTURE 9M2021
(VND, Bn)
% yoy
NII (excluding guarantee fee) grew steadily (24% yoy) thanks to
good control of capital costs, improved CASA and 6.3% growth
in credit exposure.
CONSOLIDATED PRE-TAX PROFIT IN 9M2021 REACHED
13,911BILLION DONG, UP 34.2% (YOY)
NFI (including guarantee fee) grew well (19.4% yoy) thanks to
selling advantageous products such as trade finance, money
transfer, card services... and controlling service expenses to
optimize cost management efficiency.
Optimizing the use of costs to directly support business
operations, control costs effectively; CIR decreased from 35.5%
in 2020 to 28.9%.
Recovery from written-off bad debts strongly increased (60.3%
yoy).
1
2
3
4
Provision was made more cautiously than the prescribed
minimum – up 22.2% yoy in the context of unfavorable economic
conditions.
5
Positive Positive Positive
Strengthened
products of
trade finance,
money transfer,
card services
Control
of CIR
Prudent
risk
provision
11
24% 19.4% 11.4% 22% 9.6% 22.2% 34.2%

12. Service fee continued to grow well
8.5% 7.6%
14.1% 10.3% 9.3%
37.5% 38.3%
37.3%
38.6% 37.8%
25.6% 26.0%
22.0% 23.0% 23.9%
28.4% 28.1% 26.7% 28.1% 29.1%
3Q20 4Q20 1Q21 2Q21 3Q21
Guarantee Settlement Insurance service business Others
MARKET SHARE
Trade finance in
9T2021
11.63%
FX trading on Market 1
In 9T2021
12.2%
FX trading on Market 2
In 9T2021
11-13%
Turnover of payment of
VietinBank’s card in 6T2021
18.7%
77.2% 77.4% 79.6% 77.7% 78.2%
10.9% 9.7%
12.7% 11.8% 11.4%
12.0% 13.0% 7.7% 10.5% 10.4%
3Q20 4Q20 1Q21 2Q21 3Q21
NII (excl. guarantee fee) NFI (incl. guarantee fee) Other op. Income
TOTAL OPERATING INCOME STRUCTURE
NFI STRUCTURE
TOI 9M2021 reached VND 39,261 billion (+22% yoy), of which the proportion of
contribution from service activities was 11.4%.
NFI (including guarantee) reached VND 4,493 billion (+19.4% yoy) thanks to
the implementation of measures to promote sales of advantagerous products
such as trade finance, money transfer, card services.
1
2
Guarantee fee rose by 28.2% (yoy) Payment fee rose by 18.1% (yoy)
12

13. 13
Business performance and profitability slightly decreased qoq due to the impact of the 4th COVID
wave but increased well yoy
ROA, ROE
NIM DEPOSIT INTEREST RATE
LENDING INTEREST RATE
2.78%
2.84%
3.33%
3.24%
3.11%
3Q20 4Q20 1Q21 2Q21 3Q21
8.32%
8.24%
7.94%
7.83%
7.08%
3Q20 4Q20 1Q21 2Q21 3Q21
4.92%
4.67%
3.74% 3.68% 3.68%
3Q20 4Q20 1Q21 2Q21 3Q21
1.11%
1.32%
2.43%
1.55%
1.33%
13.89%
16.89%
29.61%
19.67%
16.55%
5%
10%
15%
20%
25%
30%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3Q20 4Q20 1Q21 2Q21 3Q21
ROA ROE
Continue to promote measures to improve the structure of profitable assets while making efforts to promote CASA growth, low-cost deposits and optimize
capital balance to reduce the cost of fund (COF), get efforts to maintain 2021 NIM at the same level as 9M2021.
Business performance decreased due to the impacts of the Covid-19 epidemic and the bank's proactive implementation of increasing measures to reduce
lending interest rates and debt structure to support customers affected by the pandemic but increased well yoy.
1
2

14. 45.2%
52.9%
0.5% 1.5% 38.8%
59.6%
0.4% 1.1%
Interbank
Debt securities
Equity securities
Long term
investments
Flexible, safe and diversified investment portfolio
Inner ring: 31/12/2020
Outer ring: 30/09/2021
INVESTMENT PORTFOLIO STRUCTURE
INVESTMENT PORTFOLIO (VND, TN)
250
227
270
313
290
3Q20 4Q20 1Q21 2Q21 3Q21
+16%
Investment securities portfolio reached VND 170 trillion
as of 30/09/2021, an increase of 16% yoy, mainly due to
increased investment in debt securities issued by credit
institutions and government bonds to ensure secondary
liquidity.
Trading securities portfolio decreased by 29% ytd due to the fact that
the interest rate level tends to increase at the end of 3Q2021, so
VietinBank proactively maintained the securities portfolio at a
reasonable level to ensure business effectiveness and efficiency.
1 2
7.5%
14

15. 15
Effective cost management and control CIR at low level
BREAKDOWN OF OPERATING EXPENSES (VND, Bn) COST OF FUND
4.29%
3.88%
3.43% 3.33% 3.31%
3Q20 4Q20 1Q21 2Q21 3Q21
CIR 9M2021
32.2%
35.5%
27.2% 28.5% 28.9%
3Q20 4Q20 1Q21 2Q21 3Q21
9M2021 CIR was low at 28.9%, down 3.3%
yoy. VietinBank will control the CIR at a
reasonable level to increase investment in
technology and digital transformation in
the near future.
COF 9M2021 was 3.31%, down 0.98 point
% yoy. VietinBank cut lending rates and
fees and deducted interest to support
businesses and people affected by the
Covid-19 pandemic, while applying
control measures and diversifying
mobilization channels at reasonable cost,
thus minimizing the cost of fund.
1
Quarters in 2021 are
lower than those in 2020
Operating expenses grew at a slower rate
than operating income.
3
2
2,282
2,854
2,149
2,670
2,402
516
1,155
462
585
477
764
1,254
710
736
566
188
453
191
197
202
3Q20 4Q20 1Q21 2Q21 3Q21
Personnel expenses Assets expenses
Administrative expenses Other expenses
Quarters in 2021 are
lower than those in 2020

16. 16
Debt quality continues to be strictly controlled, increasing provision for credit risks to proactively
respond to the impact of the Covid-19 epidemic.
4.9
0.7
1.4
7.1
5.5
0.6 0.5 0.4
1.2
0.4
3Q20 4Q20 1Q21 2Q21 3Q21
VND,
Tn
Risk provision Income from bad debts recovery
RISK PROVISION AND BAD DEBT RECOVERY
84.2%
132.0%
155.4%
128.0%
118.6%
3Q20 4Q20 1Q21 2Q21 3Q21
DEBT COVERAGE RATIO
BAD DEBT/OUTSTANDING
LOANS RATIO AT 1.67% IN
3Q2021
Provision cost in 3Q2021 was 5.5 VND, Bn
(+14.2% yoy); in 9M2021 was 14 VND, Bn
(+22.2% yoy). Debt coverage ratio as at
30/09/2021 was 118.6%.
The re-emergence of the Covid-19 pandemic
caused a large-scale impact, disrupting and
reducing production and business activities of
many businesses.
VietinBank implemented an overall debt structure for a
number of customers with large outstanding loans to support
and accompany customers to overcome difficulties caused by
the impact of Covid-19.
+
1.70% 1.87%
2.32%
2.46%
1.34%
1.67% 1.74%
2.12%
Quý 2 Quý 3 Quý 2 Quý 3
Nợ xấu Tỷ lệ nợ có vấn đề
2020 2021
956,435 970,171
1,084,580 1,092,777
Quý 2 Quý 3
2020 2021
QUARTERLY CREDIT BALANCE IN 2021
COMPARED TO 2020 (VND, Tn)
QUARTERLY RATIOS OF BAD DEABT AND SPECIAL
ME NTIOND LOAN IN 2021 COMPARED TO 2020 (%)
1 2
1
2
Debt quality
continues to
be strictly
controlled
CREDIT GROWTH IN PARALLEL WITH QUALITY CONTROL
2Q20 2Q21 3Q20 3Q21
2Q20 2Q21 3Q20 3Q21
2Q20 2Q21
NPLs NPLs incl special mentioned loans
3Q20 3Q21

17. 17
Ensure liquidity, comply with operation safety ratios
79%
10%
4%
5%
0.2% 2%
3Q2021:
1,352 VND, Tn
2020:
1,256 VND, Tn
MOBILIZED FUND STRUCTURE
RATIO OF SHORT-TIME
CAPITAL USED FOR MEDIUM
AND LONG TERM LOANS
29.4%
29.3%
27.4%
28.0%
24.2%
3Q20 4Q20 1Q21 2Q21 3Q21
LOAN TO DEPOSIT RATIO
84.5%
86.1%
85.3%
84.9%
82.2%
3Q20 4Q20 1Q21 2Q21 3Q21
79%
12%
1%
5%
0.2% 2%
Note: Liquidity indicators are calculated according to the provisions of Circular 22 of the SBV.
Applied a flexible capital balance management strategy, making the most of
capital sources at a reasonable cost, ensuring liquidity.
The liquidity indicators were complied with the provisions of law. Some
indicators such as LDR, the ratio of short-term capital for medium- and long-term
loans have decreased in recent quarters due to a good increase in capital.
1
2
Customer deposits
Deposits & borrowings from other
credit institutions
Borrowing from Govt. & SBV
Valuable papers issued
Sponsored cap., entrusted investment
Other mobilized funds

18. 18
1
BUSINESS PERFORMANCE IN 3Q2021 & 9M2021
OUTLOOK FOR 2021
2
CONTENTS
APPENDIX
3

19. 19
Economic developments in the 4Q2021 are still difficult to predict due to complicated disease
developments. IMF lowers GDP growth forecast for 2021
Source: GSO, IHS Markit
GLOBAL GDP GROWTH (%) VIETNAM’S GDP GROWTH (%)
PMI & IIP OF VIET NAM (%) TRADE BALANCE AND FDI (USD, Bn)
(*) National Center for Socio-Economic Information and Forecast
Source: IMF July & October 2021
The IMF lowered its growth forecast
for 2021 for emerging Asia region due
to the new strain of Covid -19 and the
slow rate of vaccination.
Vietnam's economy in the 3Q2021
decreased by 6.17% due to the serious
impact of the epidemic. CPI increased
by 1.82%, the lowest since 2016.
Industrial production indexes IIP and
PMI both decreased in 3Q2021 due to
the new disease outbreak. From
October, as social distancing
measures were eased, industrial
production and export made gradual
recovery.
The registered FDI capital increased to
expand production and meet the
increasing demand for goods.
1
2
3
-3.2%
-2.1%
-3.5%
-4.7%
-6.5%
-3.4%
2.3%
6% 6% 7%
3%
5% 4%
8%
6% 6% 6%
2%
5%
3%
8%
2020 2021F (old) 2021F (new)
7.1 7
2.9
5.6
1.42
1.9
2.25
3.8
6.8 6.8
2018 2019 2020 6T21 9T21 2021f
(NCIF)
(*)
2021f
(WB)
2021f
(ADB)
2021-25f
(CP)
Sau
2022
(WB)
51.3 51.6 53.6 54.7 53.1
44.1 45.1
40.2 40.2
52.1
22.2%
-7.2%
3.9%
24.1%
11.6%
6.8%
2.2%
-7.4% -5.5%
-1.6%
-10.0%
-5.0%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
0
10
20
30
40
50
60
Jan .21 Feb. 21 Mar. 21 Apr. 21 May. 21 Jun. 21 Jul. 21 Aug. 21 Sep. 21 Oct. 21
PMI IIP (YoY)
6.6
5.6
3.3
5.5
9.3
4.4 5.3
20.1
3.9 4.8 5.2
6.2
4.1
5.1
4.0
15.2
2.8
1.2
13.0
2.1 2.0
-3.5
-0.6
0.16
-6.0
-4.0
-2.0
0.0
2.0
4.0
6.0
8.0
10.0
12.0
14.0
0.0
5.0
10.0
15.0
20.0
25.0
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 YTD
Oct/21
Registered FDI Realized FDI BoT

20. 20
Banking credit grew well in the 3Q2021, deposit interest rates level remained low
Source SBV, SSC
STOCK MARKET CAPITALIZATION
AND CREDIT GROWTH
INTERBANK INTEREST RATES
DURING THE YEAR (%)
16 commercial banks reduce credit interest
rates and support customers with difficulty
at the request of the SBV
Some banks have been allowed to increase
credit "room" by the SBV in the last months
of the year.
Circular 14 restructures debt, exempts and
reduces interest for customers affected by
Covid until the end of 30/06/2022
1
2
3
Total decreased profit of 16 banks reached 57.3% compared
to the commitment of decrease of VND 20,613 billion by the
end of 2021
Based on the growth potential, prudential ratios and interest
rate reduction support, the growth rate of new credit granted
to these banks is 2-6.9% higher than the beginning of the
year.
Mobile Money service was officially piloted, which was
expected to promote cashless payments, especially in the
context of complicated epidemics.
Credit growth was good in 3Q2021,
higher than the same period in 2020.
Stock market capitalization far
exceeded credit growth when the stock
market attracted a large amount of idle
money.
Banking liquidity continued to be
stable, deposit interest rates remained
low. The interbank interest rate is still
low and creates room for the SBV to
operate the monetary policy flexibly.
Legal regulations affecting banking
industry activities take effect: Circular
14 amends Circular 01 on restructuring
debt repayment term, fee exemption
and reduction, maintaining the same
debt group to support customers
affected by the Covid-19 pandemic.
1.5%
19.9%
8.6%
23.2% 24.5%
1.3%
3.7%
6.1%
12.2%
3.0%
6.4%
7.9%
0%
5%
10%
15%
20%
25%
0
2,000
4,000
6,000
8,000
10,000
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q/2021
Equity and Debt Market cap Credit balance
Market cap growth(%) Credt growth (%)
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
3.0%
3.5%
4.0%
4.5%
O/N 1-week 1-month
Unit: VND, Tn

21. 21
VietinBank’s business plan for 2021(*): Continuing the resonant growth momentum with the
economic context is expected to recover positively
20
SEIZING
OPPORTUNITIES
21
OVERCOMING
CHALLENGHES
TOTAL ASSETS
6-10%
(30/09/2021: +7.9%)
CREDIT
EXPOSURE
9.5%
(30/09/2021: +6.3%)
FUNDING
8-12%
(30/09/2021: +10%)
SEPARATE
PBT
16,800 VND Bn
(9T2021: 13,911 VND Bn )
NPL
< 1.5%
(30/09/2021: 1.67%)
2021 PLAN
DIVIDEND
COMPLY WITH
APPROVAL OF THE
COMPETENT STATE
AGENCY
(*) According to the approval of the Annual General
Meeting of Shareholders 2021 on 16/4/2021 and
Resolution No.416/NQ-HĐQT-NHTC2.1 dated
04/11/2021.
Focus on promoting Non-NII activities including
trade finance, guarantee, bancasurance, card fee
collection and forex through providing
comprehensive products and financial solutions to
customers.
Control assets quality, strengthen the control of
RWA and develop tools and models to measure
risk management to keep NPLs low and reduce
the cost of risk provisions.
Effective cost management, prioritizing investment
resources in digitalization strategy and big
transformation projects.
Selective credit growth, shifting customer structure
towards focusing on highly profitable segments
such as SMEs and retail customers, prioritizing
credit growth resources for key/priorities industries
and fields and potential industries that have a quick
recovery after the Covid-19 pandemic such as
commerce, building materials, manufacturing,
logistics...
DEVELOPING
RAPIDLY &
SUSTAINABLY
1
4
5
Funding growth is in line with demand for capital,
balancing with credit growth, focus on growing
CASA.
3
2

22. 22
Measures to support businesses to overcome COVID-19
 Strongly improve products and services with high
technology content; improve customer service quality.
 Preferential fee for International Payment & Trade
Finance and VietinBank eFAST service fee - financial
package.
CURRENT SUPPORT POLICY
CORPORATE CUSTOMERS
(valid until 31/12/2021)
Support for short and medium term lending rate up to
1%/year.
RETAIL CUSTOMERS
(valid until 15/01/2022)
Support for new short term with maximum interest
lending rate reduction of 0.5%/year; medium term
and long term lending support.
 Strongly improve products and services with high
technology content; improve customer service quality.
 Support the recovery amount of preferential interest
rate and/or early repayment fee in case the customer
tries to arrange cash flow to repay the loan early to
VietinBank.
INTEREST
RATE
RELEIF
1
2
In accordance with the current
support policy and actual situation
of COVID-19 pandemic
Customers negatively affected by the
COVID-19 pandemic
EFFECTIVE PERIOD
TOP SUPPORTED RETAIL
CUSTOMERS
TOP SUPPORTED CORPORATE
CUSTOMERS
SCOPE
 Accommodation and food services
 Basic construction
 Carriage
 Agriculture, forestry
 Textile
 Warehousing and support services
for transportation
 Accommodation and food services
 Other service activities
 Consumer loans
OTHER
POLICY
4
2
1
3
INTEREST
RATE
RELEIF
OTHER
POLICY

23. 23
1
BUSINESS PERFORMANCE IN 3Q2021 & 9M2021
OUTLOOK FOR 2021
2
CONTENTS
APPENDIX
3

24. 0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
10
20
30
40
50
60
24
CTG stock performance
CTG stock performance
03. Phụ lục
INDICATORS VALUE
Growth of VN-Index and banking stocks
Closing price of 1st trading
session of 2021 (04/01/2021)
Closing price of last trading
session of 3Q2021
(30/09/2021)
Price fluctuations in 9M2021
Trading volume
Trading value
Trading volume of foreign
investors
Foreign ownership
(30/09/2021)
EPS (30/09/2021)
P/E (30/09/2021)
BVPS
P/B (30/09/2021)
35,550 VND/share
30,400 VND/share
30,350 - 54,400 VND/share
2,701,894,774 shares
108,940 VND, Bn
Net selling 107,850,406
shares
24.59%
512 VND/share
59.39x
19,893 VND/share
1.53x
0%
50%
100%
150%
200%
250%
CTG
VCB
BID
MBB
STB
ACB
TCB
VPB
VNIndex
Volumn
(Thousand
unit)
CTG price
(Thousand
VND)

25. 25
Balance sheet
Unit: VND, Bn 2017 (audited)
2018
(audited)
2019 (audited) 2020 (audited) 2Q2021 3Q2021
Cash, gold and gemstones 5,980 7,028 8,283 9,930 8,952 9,844
Balances with the State Bank of Vietnam (“SBV”) 20,756 23,182 24,874 57,617 37,858 27,799
Placements with and loans to other credit institutions 107,510 130,512 129,389 102,533 152,896 112,616
Trading securities 3,529 3,132 3,825 5,602 3,376 3,932
Derivative financial instruments & other financial assets 529 281 470 137 1,441 1,312
Loans to customers 790,688 864,926 935,271 1,015,333 1,076,581 1,063,142
Provision for credit losses of loans to customers (8,303) (13,060) (12,946) (12,561) (18,676) (24,464)
Investment securities 128,393 102,100 104,615 114,942 153,324 169,797
Long-term investments 3,114 3,317 3,283 3,336 3,152 3,221
Fixed assets 11,437 11,140 10,997 10,811 10,424 10,251
Other assets 31,427 31,731 32,651 33,757 43,695 45,894
Total assets 1,095,061 1,164,290 1,240,711 1,341,436 1,473,022 1,447,809
Borrowings from the Government and the SBV 15,207 62,600 70,603 44,597 79,886 17,291
Deposits and borrowings from other credit institutions 115,159 111,400 109,483 128,519 164,527 160,353
Deposits from customers 752,935 825,816 892,785 990,331 1,039,520 1,072,893
Derivative financial instruments and other financial liabilities 0 0 0 0 0 0
Financing funds, entrusted funds, and exposed funds 6,364 5,934 5,776 2,733 2,654 2,554
Valuable papers issued 22,502 46,216 57,066 59,876 64,961 70,194
Other liabilities 119,129 45,007 27,643 29,969 28,286 28,923
Total liabilities 1,031,296 1,096,973 1,163,357 1,256,025 1,379,833 1,352,208
Capital 46,209 46,416 46,725 46,725 46,725 57,548
In which: Chartered capital 37,234 37,234 37,234 37,234 37,234 48,058
Reserves 7,476 8,168 9,610 11,606 11,617 11,613
Foreign exchange differences 551 600 626 482 506 423
Undistributed profit 9,234 11,837 19,833 26,001 33,732 25,387
Total owners’ equity 63,765 67,316 77,355 85,411 93,190 95,601
Non-controlling Interests 295 296 561 599 610 630
Total liabilities and owners’ equity 1,095,061 1,164,290 1,240,711 1,341,436 1,473,022 1,447,809

26. 26
Income statement
Unit: VND, Bn
2017
(audited)
2018
(audited)
2019
(audited)
2020
(audited)
3Q2021 3Q2020
Interest and similar income 65,277 73,870 82,743 83,678 20,679 20,793
Interest and similar expenses (38,204) (51,658) (49,544) (48,097) (10,808) (11,715)
Net interest and similar income 27,073 22,212 33,199 35,581 9,872 9,078
Fees and commission income 4,302 5,964 7,888 8,343 2,180 2,033
Fees and commission expenses (2,447) (3,193) (3,833) (4,002) (1,026) (976)
Net gain/(loss) from fees & commission income 1,855 2,771 4,055 4,341 1,154 1,057
Net gain/(loss) from trading of foreign currencies 710 710 1,564 2,000 499 477
Net gain/(loss) from securities held for trading 325 271 366 601 6 9
Net gain from investment securities (81) 218 (791) 361 233 106
Net gain/(loss) from other activities 1,995 1,889 1,497 1,901 365 682
Income from investments in other entities 743 374 628 524 127 101
Non interest income 5,547 6,234 7,320 9,737 2,384 2,433
Total operating income 32,620 28,446 40,519 45,317 12,255 11,511
Operating expenses (15,070) (14,084) (15,735) (16,085) (3,647) (3,749)
Net profit before provision for credit losses 17,550 14,361 24,785 29,232 8,609 7,762
Provision expense for credit losses (8,344) (7,803) (13,004) (12,147) (5,547) (4,858)
Profit before tax 9,206 6,559 11,781 17,085 3,061 2,904
Corporate income tax expense (1,747) (1,281) (2,304) (3,328) (595) (562)
Profit after tax 7,459 5,277 9,477 13,757 2,466 2,342
Non-controlling Interests (27) (2) (16) (64) (6) (5)
Owners’s net profit after tax 7,432 5,275 9,461 13,694 2,460 2,337

27. 27
Website Quan hệ Nhà đầu tư
http://investor.vietinbank.vn
For further information, please contact:
Secretariats to the Board of Directors and Investor Relations
Office of the Board of Directors
Vietnam Joint Stock Commercial Bank For Industry and Trade
Address: 108 Tran Hung Dao Street, Hoan Kiem, Hanoi, Vietnam
Email: investor@vietinbank.vn
Tel: +84 24 3941 3622

28. THANK YOU!
Disclaimer:
This material was prepared using financial statements and
other reliable sources with the aims to provide information
only. It is recommended to use this material as a source of
reference only. The information might be updated from time
to time and it is not our responsibility to notify about those
changes (if any).
28