This document provides an overview of VietinBank, a leading bank in Vietnam, covering its history, operations, financial performance, strategic objectives, and asset quality. Some key points: - VietinBank was established in 1988 and underwent an IPO in 2008, becoming a joint stock bank. - As of 2010, it had a 12.7% market share in assets and was Vietnam's second largest bank by branch network. - It offers a range of banking products and services and has a strong domestic network and some international branches. - Strategic objectives include increasing market share, improving technology and risk management, and becoming a leading financial group. - Asset quality is strong with low non-performing

4. Pre-eminent financial institution in Vietnam with a dominant market share Assets (VND trn) Loans (VND trn) Deposits (VND trn) Branches (VND trn) Joint Stock Commercial Banks State Owned Banks Largest bank in Vietnam in terms of total loans and 2nd largest in terms of distribution network

6. Performance Highlights Source: Company Data TO BE UPDATED WITH 2012 TARGETS. Please confirm figures H12011 and 2010 Figures We are waiting for the approval of the BOD for the 2012 targets. We will add the 2012 targets next week. 2011 Target H1 2011 Results 2010 Results Total assets 441,000 395,852 367,712 Chartered capital 20,000 – 25,000 16,858 15,172 Total mobilized funds 408,000 226,286 339,699 Mobilized funds growth rate 20% 54% Total loans 419,000 263,267 232,204 Total loans growth rate 20% 43.5% Profit before tax 5,100 3,894 4,598 Profit after tax 4,000 2,919 3,414 ROE 16% – 18% 17.45% 22.1% ROA 1.2% 1.12% 1.50% NPLs ratio <3.0% 1.71% 0.66% CAR >9% 10.41% 8.02%

7. Vietinbank Subsidiaries’ Performance Source: Company Data 1 2 3 4 5 6 8 7 Subsidiaries Contributed Capital (VND bn) Ownership (%) Total assets As at 30.06.2011 (VND bn) Chartered Capital As at 3 0 .06.201 1 (VND bn) Profit before tax As at 30/6/2011 (VND bn) VietinBank Leasing Company Ltd 500 100% 1,612 500 50 VietinBank Securities Joint Stock Company 500 75.61% 999 790 30 VietinBank Debt Management and Asset Exploitation Company Ltd 30 100% 41 30 0,6 VietinBank Insurance Company Ltd 300 100% 477 300 41 VietinBank Gold and Jewelry Trading Company Ltd 300 100% 330 300 17 VietinBank Fund Management Company Ltd 500 100% 1,133 500 26 Indovina Joint Venture Bank 696 50% 21,802 3,402 317.5 Vietinbank – Avia Life Inssurance Joint Stock Company 400 50% - 3,402 -

12. Future Prospects and Plans Development Plan for 2011 & beyond Source: Company Data Realize the Vision 2015: To become the leading, efficient, and modern banking and financial group for the economy 4 Increase capital to ensure operational safety 2 Invest in modern banking technology, standardize governance, products and services, procedures, and slowly integrate into the global financial system to enhance VietinBank’s brand name both in the domestic and overseas markets 3 Continue to accelerate post-equitization processes, enhancing competitiveness and integration 1

13. VietinBank has enhanced its scale steadily Assets and Loan Growth NII and Margins (*) VND bn Source: Company Data (*) Net Interest Margin calculated as Net Interest Income / Earning Assets. Earning Assets calculated as Balances with the SBV + Placements with and loans to other banks+ Loans & Advances to customers + Investment securrities – held to marturity VND bn Strong growth in assets, loans and deposits have resulted in higher margins

14. Healthy yield and cost trend Yield on Funds Cost of Funds Well positioned to maintain margins in a rising interest rate environment Source: Company Data

15. Diversified non-interest income supports growth Net Fee and Commission Income VND bn Fee and Commission Income Breakdown Source: Company Data Increased fee income contribution has helped sustain earnings growth

16. VietinBank has managed its operating cost well…. Cost to Income Ratio Operating Expenses Breakdown Source: Company Data VND bn Declining costs have resulted in an improved cost to income profile

17. …resulting in strong overall profitability Profitability Trends Healthy ROAA and ROAE Levels VND bn Source: Company Data Focused operating achitecture has enabled efficient growth in profitability

19. Bank has robust credit rating processes in place Rating Procedures 1 Information collection and scoring information submission (implemented by customer relationship staffs) 1 Scoring and rating customers (implemented by Risk Management Staffs) 2 Reviewing and checking scoring and rating results (implemented by Heads of Risk Management Department) 3 Approving the scoring and rating results (implemented by the competent levels) 4 Completing scoring and rating documents 5 Following-up and observing any fluctuation/changes of the scoring and rating results (implemented by Risk Management Department at the Head Office) 6 Recording & Filing documents 7 1 For corporates, individuals and household customers and financial Institutions

20. Quantifiable scoring and rating grades helps to maintain credit quality Total Scores No. Corporates Individuals & Household Customers Financial Institutions Ratings Group 1 90 – 100 90 – 100 90 – 100 AAA Group 2 80 - < 90 80 - < 90 85 - < 90 AA Group 3 73 - < 80 73 - < 80 75 - < 85 A Group 4 70 - < 73 70 - < 73 65 - < 75 BBB Group 5 65 - < 70 63 - < 70 55 - < 65 BB Group 6 60 - < 65 60 - < 63 50 - < 55 B Group 7 56 - < 60 56 - < 60 45 - < 50 CCC Group 8 53 - < 56 53 - < 56 40 - < 45 CC Group 9 45 - < 53 44 - < 53 35 - < 40 C Group 10 20 - < 45 20 - < 44 < 35 D

21. Diversified loan portfolio Loan Portfolio by Industry Source: Company Data Other*: Agricultural & forestry, Business and advisory services, Financial intermediation, Health care & social work, Aquaculture, Education & training, Others, Science and technology, Recreational, culture, sporting activities, State management, security and national defense, party union & social guarantee, International organization and bodies Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn

22. Diversified loan portfolio Loan Portfolio by Borrower Type Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn Source: Company Data Loan Portfolio by Business Entity Other corporate loans*: Provincial state-owned enterprises, Foreign invested enterprises, Co-operatives and Partnership companies Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn

23. Loan Portfolio by Currency Loan Portfolio by Original Term Source: Company Data Short Term Loans : Tenors of less than 12 months Medium Term Loans: Tenors of [ ] months and over Long Term Loans: Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn Diversified loan portfolio Inner ring total loans 31 Dec 2010: 234,204 VNDbn Outer ring total loans 30 Jun 2011: 263,267 VNDbn Please define Medium term loans and Long-term loans

25. Asset Quality is Robust as Seen By Low NPL Group 30 June 2011 2010 2009 2008 Value (VND bn) % Value (VND bn) % Value (VND bn) % Value (VND bn) % Group 1 Current 255,125 96.91 230,267 98.32 160,510 98.37 114,596 94.90 Group 2 Special mention 3,636 1.38 2,399 1.02 1,660 1.02 3,968 3.29 Group 3 Substandard 1,326 0.50 925 0.39 230 0.14 847 0.70 Group 4 Doubtful 439 0.17 411 0.18 333 0.20 803 0.67 Group 5 Loss 2,739 1.04 203 0.09 437 0.27 537 0.44 Total 263,267 100.00 234,205 100.00 163,170 100.00 120,751 100.00

26. NPL Classification – By Industry VND trn 2010 Group 1 Group 2 Group 3 Group 4 Group 5 Total Industry 2010 As at 30 Jun 2011 2010 As at 30 Jun 2011 2010 As at 30 Jun 2011 2010 As at 30 Jun 2011 2010 As at 30 Jun 2011 2010 As at 30 Jun 2011 Construction & Transportation 42.21 46.8 1.62 2.6 0.28 0.56 0.14 0.19 0.23 1.32 44.01 51.47 Industrial 86.98 98.87 0.48 0.29 0.76 0.19 0.14 0.18 0.12 0.92 88.46 100.45 Trade & Services 79.7 85.02 0.29 0.34 0.14 0.41 0.13 0.04 0.61 0.45 80.33 86.26 Agriculture, Forestry and Aqua-Culture 5.12 6.21 0.5 0.15 0.20 0.03 - 0.02 0.60 0.01 5.13 6.42 Consumers 12.96 15.00 0.4 0.2 0.10 0.12 - 0.01 0.10 - 12.96 15.33 Others 3.30 3.23 0.7 0.06 - 0.01 0.06 - - 0.03 3.31 3.33 Total 230.27 255.13 3.99 3.64 1.48 1.32 0.47 0.44 1.66 2.73 234.21 263.26

27. NPL Classification – By Borrowers VND trn 2010 Group 1 Group 2 Group 3 Group 4 Group 5 Total Industry 2010 As at 30 Jun 3011 2010 As at 30 Jun 3011 2010 As at 30 Jun 3011 2010 As at 30 Jun 3011 2010 As at 30 Jun 3011 2010 As at 30 Jun 3011 Corporates 103.51 117.41 1.02 0.96 0.75 0.57 0.11 0.08 0.29 2.19 105.42 121.21 SMEs 80.68 86.68 1.10 2.50 0.61 0.55 0.22 0.33 0.14 0.53 82.21 90.59 Individuals 45.50 49.45 0.12 0.18 0.11 0.20 0.78 0.03 0.29 0.01 45.83 49.87 Others 0.75 1.59 0.00 0.00 00.0 0.00 0.00 0.00 0.00 0.00 0.75 1.59 Total 230.27 255.13 2.40 3.64 0.93 1.32 0.41 0.44 0.20 2.73 234.21 263.26

28. NPL ratio - Industry comparison Source:SBV, VietinBank NPL ratio much lower than the industry average

29. Improving Asset Quality Moderate Credit Costs Provision Coverage Ratio Moving in right direction to achieve its objectives

30. Loan classification - By collateral Most of the existing loans in all categories are covered by adequate collateral (As at 31 March 2011) Source: Company Data

31. Loan to Deposit Ratio Loans and advances funded by low cost deposit base with average loan to deposit ratio of 110.81% Healthy Loan to Deposit Ratio VND bn Source: Company Data Amended values to be consistent with slide 24. Please confirm if below is correct.

32. Stable Fund Mobilization Growth VND bn Deposits of customers & credit institutions (VND bn) Source: Company reports By Source Inner ring: As at 30 June 2010: 318,805 VNDbn Outer ring: As at 30 June 2011: 336,413 VNDbn 130,458 163,386 241,014 117,686 240,049 176,014

33. Customer Deposits Breakdown By Type By Customers Total deposits 2010: 205,918 VNDbn Total deposits 30 June 2011: 192,208 VNDbn Total deposits 2010: 205,918 VNDbn Total deposits 30 June 2011: 192,208 VNDbn Source: Company reports

34. Customer Deposits Breakdown (Cont’d) By Maturity* By Currency *Short-term refers to < [xx] years/months *Medium & long term refers to > [xx] years/months Total deposits 2010: 205,918 VNDbn Total deposits 30 June 2011: 192,208 VNDbn Total deposits 2010: 205,918 VNDbn Total deposits 30 June 2011: 192,208 VNDbn Please confirm what is short-term, medium and long term

35. Securities Portfolio Diversified securities investment portfolio Diversified debt holdings Securities type As at 30 Jun 2011 (VND bn) % As at 31 Dec 2010 (VND bn) % Available for sale 65,348 96.20% 55,646 89.96% Debt securities 65,203 55,501 Government securities 36,000 30,943 Securities issued by other domestic credit institutions 6,383 6,907 Securities issued by domestic economic corporations 22,820 17,651 Foreign debt securities - - Equity securities 145 0.21% 145 0.23% Securities issued by other domestic credit institutions - - Securities issued by domestic economic corporations 145 145 Foreign equity securities - - Securities held to maturity 2,579 3.80% 6,209 10.04% Government securities 2,379 2,379 Securities issued by other domestic credit institutions - 80 Securities issued by domestic economic corporations 200 3,750 67,926 100.00% 61,855 100.00%

43. Liquidity Mismatch Analysis (as of 30 June 2011) Unit: VND m Overdue Current Total Over 3 months Within 3 months Due within 1 month Due from 1 to 3 months Due from 3 to 12 months Due from 1 to 5 years Due over 5 years Assets Cash, gold and germstones - - 2.904.141 - - - - 2.904.141 Balances with the SBV - - 7.267.865 - - - - 7.267.865 Placements with and loans to other banks (*) - - 29.122.706 10.785.380 1.100.000 726.650 - 41.734.736 Trading Securities (*) - - - - 472.649 - - 472.649 Derivatives and other financial assets - - - 3.172 - - - 3.172 Loans and advances to customers (*) 3.158.061 1.321.867 14.244.311 44.064.365 109.074.463 41.064.863 50.339.555 263.267.485 Investment securities (*) - - 299.980 1.370.000 13.319.445 45.526.622 7.410.412 67.926.459 Long-term investments (*) - - - - - - 2.386.355 2.386.355 Fixed assets and investment real estates - - - - - - 3.155.505 3.155.505 Other assets (*) - - 1.192.712 2.981.780 5.963.558 1.789.068 - 11.927.118 Total assets 3.158.061 1.321.867 55.031.715 59.204.697 129.930.115 89.107.203 63.291.827 401.045.485 Liabilities Borrowings from MOF and SBV - - 7.626.429 - 20.000.000 15.376 48.938 27.690.743 Deposits and borrowings from other banks - - 21.312.773 15.655.645 10.869.135 4.226 - 47.841.779 Customer deposits and other amounts due to customers - - 88.805.795 37.848.993 29.235.940 36.317.196 500 192.208.424 Derivatives and other financial borrowings - - - - - - - - Debts issued and other borrowed funds - - - 11.029.570 25.199.619 3.604.703 2.577.250 42.411.142 Issuing valuable papers - - 14.450.556 3.010.326 7.330.127 1.470.870 - 26.261.879 Other liabilities (*) - - 1.389.337 2.863.172 14.622.118 17.234.445 - 36.109.072 Total Liabilities - - 133.584.890 70.407.706 107.256.939 58.646.816 2.626.688 372.523.039 Net Maturity Risks Status 3.158.061 1.321.867 (78.553.175) (11.203.009) 22.673.176 30.460.387 60.665.139 28.522.446