Vietin bank's ir presentation q1.2016

1. IR Presentation
Quarter I – 2016
(Exchange rate: 21,857 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. Cơ cấu hoạt động vững mạnh
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
Departments
Branches Subsidiarires
Human
Resources
Division

8. Awards and accolades 2015
VietinBank was named in Forbes Global
2000 for the fourth consecutive years.
VietinBank was recognized as one of
two Vietnamese banks in Global 500 by
Brand Finance and the number 1 brand
in Vietnam with total brand value worth
of USD 197 million, with “A” rating.
VietinBank is the only corporation in
financial & banking industry that was
named in Top 10 of Vietnam Gold Star
Award.
VietinBank was named in Top 10 Most
Valuable Brands for the eleven
consecutive years.
Our strength in technology
advancement was honoured by Khue
Star Award for three innovative products
including Assets & Liabilities
Management System, VietinBank iPay
app for smartphones and non-cash
payment service for hospital bills.
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.
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.
The 3rd time that VietinBank has been
recognized as the active bank of social
welfare by Ministry of Planning and
Investment, improving lives of people
and economic growth.

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 (12.5%)
• Mobilized fund (10.2%)
• Investment Banking (16.5%)
• Remittance (15%)
• International payment & Trade Finance (12.6%)
• Leading position in cards services (22%)
Outstanding business
performance in QI.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
9
10
6
14
10
30
39
36
528
1,071
603
1,038
600
2,157
2,002
2,654
434
746
565
863
429
1,219
1,564
1,704
408
318
417
346
328
725
1,113
Note: Data as of 31 /03/2016
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, 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
151 branches,
961 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,
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

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 – QI/2016
Unit: USD Million CTG BIDV VCB ACB STB EIB MBB SHB Average
Total Assets 36,224 39,299 30,303 9,602 14,024 5,592 10,467 9,317 19,353
Chartered capital 1,704 1,564 1,219 429 863 565 746 434 941
Balance sheet
Placements with and loans to other banks 2,933 2,739 4,854 428 432 323 1,439 1,157 1,788
Loans and advances to customers 25,319 28,537 18,833 6,599 8,725 3,775 5,690 6,298 12,972
Trading and investment securities 5,257 6,049 5,223 1,793 1,897 859 2,449 837 3,045
Trading securities 10 402 377 21 59 0 37 2 114
Investment securities 5,248 5,646 4,846 1,772 1,838 859 2,412 835 2,932
Long-term investments 175 205 163 9 14 86 65 13 91
Other assets 1,287 997 492 367 2,019 124 442 748 810
Liabilities
Deposits and borrowings from other banks 4,779 3,958 2,982 391 148 133 741 1,119 1,781
Customer deposits 23,033 28,016 23,516 8,284 12,551 4,624 8,259 7,083 14,421
Financing funds, entrusted funds 2,523 1,386 0 8 75 0 14 19 503
Other liabilities 2,306 869 548 141 208 92 240 155 570
Owner's equity and Funds 2,654 2,002 2,157 600 1,038 603 1,071 528 1,332
Income statement (accummulated)
Net interest and similar income 246 258 207 72 57 42 81 41 126
Net profit from services 17 23 25 9 14 3 5 1 12
Other income 34 26 41 (4) 7 2 7 3 15
Total income 297 307 273 78 78 47 94 45 152
Operating expenses 121 121 108 49 67 30 42 23 70
Provision for credit losses 66 91 60 11 2 15 11 8 33
Profit before tax 110 95 105 18 9 1 40 14 49
Profit after tax 88 77 84 14 7 1 32 11 39

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 32,842 Mil
Outer ring: As at 31 Mar 2016: USD 32,259 Mil
0.35%
13%
66%
7%
2%
2%
0.56%
14%
70%
8%
2% 5%
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
9,566
12,050
13,568
17,156
19,957
22,520
23,033
1,492
3,366
4,572
3,796
4,895
4,530
4,779
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 (31/03/2016)
CAR ratio
13.62%
82.67%
0.90%
2.82% Demand deposits
Term deposits
Deposits for specific
purpose
Margin deposit
8.02%
10.57%
10.33%
13.17%
10.35% 10.58%
10.05%
0%
2%
4%
6%
8%
10%
12%
14%
2010 2011 2012 2013 2014 2015 1Q2016
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 (31/03/2016)
11,018
13,811
15,690
17,711
20,704
24,581 25,319
0
5,000
10,000
15,000
20,000
25,000
30,000
2010 2011 2012 2013 2014 2015 QI/2016
63.69%
63.71%
66.20%
65.28%
66.53%
69.69% 70.08%
2010 2011 2012 2013 2014 1Q2015 2Q2015
54.88%
11.36%
33.76%
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%
69.90%
2010 2011 2012 2013 2014 2015 QI/2016

22. NPL ratio is well controlled
Group
QI/2016 2015 2014 2013 2012
Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) % Value
(USD, mil) %
Group 1
Current 24,841 98.11 24,209 98.48 20,295 98.03 17,404 98.27 15,394 98.11
Group 2
Special mention 235 0.93 147 0.60 177 0.86 129 0.73 66 0.42
NPLs 243 0.96 226 0.92 231 1.12 177 1.00 230 1.47
Total 25,319 100 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% 0.96%
2.10%
2.50% 2.40%
3.47%
4.09%
3.79%
3.25%
2.50% 2.70% (*)
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 QI/2016
VietinBank Banking average
(*): NPL ratio of banking industry by the end of February 2016

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
8,915
8,470
31.1%
29.7%
26.7%
27.8%
26.8%
28.5%
23.4%
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%
30%
35%
Total investment Investment to total asset ratio
34%
64%
0.23%
2%
35%
63%
0.22%
2%
Interbank Debt securities
Equity securities Long-term investments
Inner ring: As at 31 Dec 2015
Outer ring: As at 31 Mar 2016

25. Strong financial results
Profit results (USD, Mil)
Financial ratios
Operating Income Breakdown
Cost to income ratio
361
625
590
559
527 549
176164
296 295
273
270
261
88
0
100
200
300
400
500
600
700
2010 2011 2012 2013 2014 2015 QI/2016
Profit before provisions for credit losses Profit after tax
1.50%
2.03%
1.70%
1.40%
1.20%
1.02%
1.22%
22.10%
26.74%
19.90%
13.70%
10.50% 10.29%
13.48%
0%
5%
10%
15%
20%
25%
30%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
2010 2011 2012 2013 2014 2015 QI/2016
ROA ROE
82% 90% 84% 84% 84% 83% 83%
10%
5%
6% 7% 7% 6% 6%
9% 5% 10% 9% 9% 11%
11%
0%
20%
40%
60%
80%
100%
2010 2011 2012 2013 2014 2015 QI/2016
Other operating income Fees and commission income Net interest income
48.57%
40.57%
42.96%
45.49%
46.72%
47.13%
40.76%
36%
38%
40%
42%
44%
46%
48%
50%
2010 2011 2012 2013 2014 2015 QI/2016

26. Efficient subsidiaries
Subsidiaries
Total
contributed
capital
(USD, mil)
Percentage of
contribution
(%)
Charted capital
as at 31.03.2016
(USD, mil)
Profit before tax
as at 31.03.2016
(USD, mil)
VietinBank Lao Limited(*) 50.71 100% 50.05 1.29
VietinBank Leasing Company
Ltd 45.68 100% 45.68 1.24
VietinBank Fund Management
Company Ltd 43.4 100% 43.4 0.47
VietinBank Securities Joint
Stock Company 27.27 75,61% 38.25 1.09
VietinBank Insurance Company
Ltd 22.84 100% 22.84 0.59
VietinBank Gold and Jewelry
Trading Company Ltd 13.7 100% 13.7 0.2
VietinBank Debt Management
and Asset Exploitation Company
Ltd
5.48 100% 5.48 (0.03)
Global Money Transfer Company
Ltd 2.28 100% 2.28 0.12
Improving the value of life

27. CTG Stock Performance – QI/2016
Value
The closing price on
04th Januarry 2016
18,300 VND/share
The closing price on
31th March 2016
16,400 VND/share
The highest prices in
QI/2016
16,100 – 18,400 VND/share
Volume 44,381,741 share
Trading value 774.886 Billion VND
The trading volume
of foreign investors
Net sales 444,120 share
Foreign owned
1,103,507,261 share
(29.64%)
Current room of
foreign investors
13,514,106 share
(0.36%)
EPS 2,067 VND/share
P/E (31th Dec 2015) 7.94x
BVPS 14,435 VND/share
P/B (31th Dec 2015) 1.14x
60%
80%
100%
120%
Growth of VN-Index and Bank Stock –QI/2016
CTG VCB BID MBB
STB ACB VNIndex
0
500
1,000
1,500
2,000
2,500
3,000
3,500
14.5
15.0
15.5
16.0
16.5
17.0
17.5
18.0
18.5
19.0
Thousandsdong
CTG Stock Performance – QI/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.