1 Overview of VietinBank 1988 2009 2010 • Vietnam Joint Stock Commercial Bank for Industry and Trade (“Vietinbank”) is a leading financial and banking group of Vietnam with diversified activities • Established in 1988, upon its separation from the State Bank of Vietnam (“SBV”) • In 2008, the Vietnam Bank for Industry and Trade successfully undertook its Initial Public Offering • The Bank was equitized and renamed into Vietnam Joint Stock Commercial Bank for Industry and Trade in July 2009 • As at 31/Dec/2010, VietinBank has total assets of VND367.7trn accounting for a 12.7% market share, total customer deposits of VND[205.9]trn, accounting for 12.1% of the market share and total customer loan of 231.4trn accounting for 10.4% of the loans market share • Provides a range of banking and financial products and services (retail banking, trade finance, Internet banking, etc.) as well as manages correspondent banking relationships ~1000 banks worldwide • Present in 63 provinces and cities and has the 2nd largest distribution network in Vietnam VietinBank has formidable franchise with strong market share (As at 31/12/2010) Overview 12.70% 12.10% 10.40% 15.00% 23.00% Assets Deposits Loans Overseas Remittance Credit Card Business Sách – Tài liệu thi tuyển 2 Key business lines and product portfolio Key business lines Product portfolio Corporate and financial institution banking SME banking Retail Banking International Banking • Offers credit lines, syndicated loans and project specific loans • Corporate loans constitute 45% of gross loans as at 30 Jun 2011 • Interbank and valuable papers trading • Trusted and pioneering bank for SME clients • SMEs constitute 35% of gross loans as at 30 Jun 2011 • Range of consumer lending products, including business and consumer loans • 1,093 branches, Transaction offices and Saving offices • Trade financing, international settlement and overseas remittance services Card Services Import-export payment Derivative products Overseas remittance Foreign exchange Guarantee Securities Other products •VietinBank cards and international credit cards •Export/Import LC confirmation, transferring, settlement •Document processing, shipping guarantee issuance •Spots, forwards, swaps and options •Speed remittance through remittance companies •Spots, forwards, swaps and options •Interbank market •Guarantees for loans, advanced payment, performance, payments, tax/customs, warranty •Brokerage services, securities custody analysis and investments etc. • Money transfer, leasing, insurance, individual and corporate savings Sách – Tài liệu thi tuyển 3 Second Largest Branch Network in Vietnam North: 1 MOC & 71 branches Central: 28 Branches South: 50 Branches 1 Main Operation Center in Ha Noi 1,093 branches, Transaction offices and Saving offices 2 Representative offices in Da Nang and Ho Chi Minh City 2 Joint-Venture Companies 6 Subsidiaries 3 non-profit making units Multiple touch points for individual and corporate customers across Vietnam Expanding network overseas • Opened a branch in Frankfurt in September 2011 • Plans to open branches in Berlin and Laos in 4th quarter of 2011 • Plans to expand network to England, France, Czech, Poland and South-east Asia nations in 2012 Branch expansion plan Strong distribution footprint in Vietnam with significant expansion potential Correspondent Banking Relationships with nearly 1.000 financial institutions in the world 2 3 1 Sách – Tài liệu thi tuyển

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