IR Presentation

Quarter III - 2016(Exchange rate: 21,949 VND/USD)

Improving the values of life

Table of contents1. General information

2. Investment highlights

3. Performance

1. General information Important Milestones Corporate Vision & Strategic Objectives Organization Structure Awards

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.

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

Strong operational structure

Head Office

VietinBank Laos Limited

Trade Finance Center Branches Representative Offices Non-profit Making

UnitsSubsidiarires and

Associated Companies

Transaction Offices

Indovina Joint Venture Bank

Saving Offices

Non financial SubsidiariresFinancial 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.

InsuranceOther Financial Services

Investment Bank

Commercial Bank

Solid management structure and governance

Supervisory Board

Board of Directors

Board of Management

Internal Audit

Committees:1. HR and Remuneration

Committee2. Assets and Liabilities

Management Committee3. Risk Management

Committee4. Policy Committee

Corporate Banking Division

Retail Banking Division

Treasury & Capital Markets Division

Risk Management

Division

General Shareholder s’ Meeting

Secretariat to the Board

Credit CommitteeFinancial Institutions Committee Payment Committee

Information Technology

Division

Other Department Branches Subsidiarires

Human Resources

Division

OperatingDivision

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.

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

Strong abilities

23

4

56

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

Large scale

Assets (USD, Bil)

Equity (USD, Mil)

Chartered Capital (USD, Mil)

Networks(units)

Stat

e-ow

ned

cred

it in

stitu

tions

Join

t-sto

ck c

omm

erci

al b

anks

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

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

Global Reach Plan

1 Trade Finance Center in Ha Noi

157 branches,961 transaction

offices and savings counters

3Representative

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

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.

Structure of ownership

Major Shareholders’ stakes

Shareholder

VietnameseGovernment

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

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%

VietinBank vs. other banks – QIII/2016

Unit: USD Million CTG BIDV VCB ACB STB EIB MBB SHB AverageTotal 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

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

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 MilOuter 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 SBVDeposits & borrowing from other banksCustomer DepositsSponsor capital, Entrusted InvestmentValue paper issuedOther mobilized funds

2011 2012 2013 2014 2015 QI/2016

QII/2016

QIII/2016

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

12,05013,568

17,156 19,95722,520

23,033

26,35128,497

3,366

4,572

3,796

4,895

4,530 4,779

4,0283,069

Deposit &borrowing from other banksCustomer Deposits

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

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)

2010 2011 2012 2013 2014 1Q2015 2Q2015

63.69% 63.71%

66.20%65.28%

66.53%

69.69% 70.08%

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

2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016

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

0

5,000

10,000

15,000

20,000

25,000

30,000

13,81115,690

17,71120,704

24,581 25,31927,105

28,494

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 1Current 28,097 98.27 26,589 98.10 24,841 98.11 24,209 98.48 20,295 98.03

Group 2Special 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

2010 2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/20160.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

4.0%

4.5%

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%

VietinBank Banking average

• 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

Safe & diversified securities portfolio

Components of Investment portfolioInvestment portfolio (USD, Mil)

2011 2012 2013 2014 2015 QI/2016

QII/2016

QIII/2016

0%

5%

10%

15%

20%

25%

30%

35%

0

2,000

4,000

6,000

8,000

10,000

12,000

6,433 6,332

7,539

8,3278,915 8,470

9,283

10,32029.7%

26.7%

27.8%26.8%

28.5%

23.4%23.9%

25.1%

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 2015Outer ring: As at 30 Sep 2016

Strong financial results

Profit results (USD, Mil)

Financial ratios

Operating Income Breakdown

Cost to income ratio

2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/20160

100

200

300

400

500

600

700625

590 559527 549

176

333

522

296 295 273 270 261

88156

237

Profit before provisions for credit losses Profit after tax

2011 2012 2013 2014 2015 QI/2016 QII/2016

QIII/2016

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

0%

5%

10%

15%

20%

25%

30%

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%

ROA ROE

2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/2016

0%

20%

40%

60%

80%

100%

90%84% 84% 84% 83% 83% 87% 85%

5%6% 7% 7% 6% 6%

6% 6%

5% 10% 9% 9%11% 11% 7%

9%

Other operating income Fees and commission income Net interest income

2011 2012 2013 2014 2015 QI/2016 QII/2016 QIII/201636%

38%

40%

42%

44%

46%

48%

40.57%

42.96%

45.49%

46.72% 47.13%

40.76%

43.72%43.16%

Efficient subsidiaries

SubsidiariesTotal

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

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

31/12/201517/02/201628/03/201610/05/201617/06/201627/07/201606/09/201660%

80%

100%

120%

140%Growth of VN-Index and Bank Stock – QIII/2016

CTG VCB BID MBB STB ACBVNIndex

04/01/201629/01/201603/03/201630/03/201627/04/201626/05/201622/06/201614.5

15.0

15.5

16.0

16.5

17.0

17.5

18.0

18.5

19.0

0

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000CTG Stock Performance – QIII/2016

Volumn (Thousands of share) CTG price

Thou

sand

s do

ng

Website for investorshttp://investor.vietinbank.vn

For further information, please contact:

Board of Director SecretariatsVietinBankAddress: 108 Tran Hung Dao street, Hanoi, Vietnam. Email: investor@vietinbank.vn Tel: 84-4-3 941 3622

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.