slide gioi thieu vietinbank quy 2 nam 2015 - eng version

1. IR Presentation
Quarter II - 2015
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. Robust group structure
Head Office
Operation Centre Branches Representative Offices Non-profit Making Units Subsidiaries & Affiliates
Transaction Offices
VietinBank
Leasing
Company
Ltd
VietinBank
Securities
Joint Stock
company
VietinBank
Debt and
Asset
Management
Company Ltd
VietinBank
Insurance
Company Ltd
VietinBank
Aviva Life
Insurance Joint
Venture
Company
VietinBank
Fund
Management
Company
Ltd
Financial
Leasing
Asset
management
Non-life
insurance
Life Insurance
Fund
management
Banking and
Finance
VietinBank Gold
and Jewelry
Trading company
Ltd
Securities
Indovina
Joint Venture
Bank
Manufacture,
design and trade
in gold and
precious metals
and gems
1 2 3 4 5 6
Saving Offices
VietinBank
Global Money
Transfer
Company Ltd
International
Remittance
7 8 10
VietinBank
Lao Ltd
Banking
and
Finance
9

7. Solid management structure and governance
Supervisory Board
Board of Directors
Board of Management
Internal Audit
Department
Committees
Secretariat to
Board
Risk
Management
Committee
HR and
Remuneration
Committee
Policy Committee
Assets and
Liabilities
Management
Committee
Head Office
Main Operation
Center
and Branches
Non-profit
Making Units
Representative
offices
Transaction
Offices and
Savings Offices
Credit Committee
Financial Institutions Committee
Divisions and
Departments
General Shareholder s’ Meeting

8. Awards
 According to Brand Finance, VietinBank brand name is grade A and worth 197 million USD, ranked the 437th in
the world. This is the 3rd time VietinBank was selected and shortlisted into Top 500 financial institutions with strong
brand name – the most valuable awards for the banks in the world.
 According to Vietnam Report và Vietnamnet E-Newspaper, VietinBank ranked the 20th among Top 500 big
corporations in Viet Nam (VNR500). At the same time, VietinBank was honored to be shortlisted into best
enterprises in Viet Nam.
 VietinBank was also named the 3rd consecutive times and ranked the 1.854th in 2014 by the Forbes Global 2.000
awards.
• Ranked the 437th, 328th and
434th for 2014, 2013 and
2012 respectively.
• Ranked the 20th in the Top 500
Vietnam Group
• The best awards in Viet Nam
• Awarded by the Ministry of
Industry and Trade
• Awarded the 11th
consecutive time in 2014
• Being honored as a leading
business in the financial sector to
pay corporate income tax.
• Ranked the 5th and in five
consecutive years, VietinBank in
the Top 10 Business
• Awarded the organizations
that providing the best
financial services in
Vietnam
• Ranked the 1.854th in 2014
• Awarded the 3rd consecutive years.

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 (12.3%)
• Mobilized fund (10.4%)
• Investment Banking (16.5%)
• Remittance (15%)
• International payment (12.9%)
• Leading position in cards services (21%)
Highest operational efficiency
and most remarkable business
performance in Vietnamese
banking system
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 & dominant market share
Assets
(USD, Bil)
Equity
(USD, Mil)
Chartered Capital
(USD, Mil)
Networks
(units)
State-ownedcreditinstitutionsJoint-stockcommercialbanks
8
9
6
10
9
27
33
32
503
820
668
875
569
2,115
1,626
2,519
409
535
570
573
433
1,230
1,453
1,718
408
417
318
346
328
725
1,092
Note: Data as of 30/06/2015

12. Network Overview
Presence across the nation:
• 01 Head Office in Hanoi
• 01 Main Operation Center in Hanoi
• 149 Local branches with over 900 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 Main Operation
Center in Ha Noi
151 branches,
over 900
transaction
offices and
savings counters
3 Representative
offices
2 Joint-Venture
Companies
8 Subsidiaries
3 non-profit
making units
North
72 Branches +
01 Main Operation
Center
Central
27 Branches
South
51 Branches

13. Global Reach Plan
1 Main Operation
Center in Ha Noi
151 branches, over
900 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
For the period from
2014-2015:
 Upgrading VietinBank
Laos Branch into
VietinBank Lao Ltd.,
 Establishing
VietinBank’s subsidiaries
in Cambodia and the
Republic of the Union of
Myanmar

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. 2015’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 1-1.2%)
Continues to consolidate
organizational structure and
operating model with the launch of
the ORP project (consulted by
McKinsey and Ernst & Young)
Improve service quality to increase
the portion of non-interest income
 Focus on Commercial Banking
and Investment Banking pillars
 Enlarge the retail banking
business
 Expand market and client base to
increase market share.
 Expand distribution network both
domestically and internationally
Dividend: 7-9%Focus on risk management: NPL
ratio/total credit exposure <3.0%
Growth:
 Assets: 13%
 Mobilized fund: 14%
 Credit: 13% (SBV approved to
raise to 16%)

17. VietinBank vs. other banks – Q2/2015
(Unit: USD Million) CTG BIDV VCB ACB STB EIB MBB SHB Average
Total Assets 31,641 33,443 26,601 8,743 9,725 6,006 9,432 8,201 16,724
Chartered capital 1,718 1,453 1,230 433 573 570 535 409 865
Balance sheet
Placements with and loans to other
banks
2,209 2,263 4,998 236 225 424 884 856 1,512
Loans and advances to customers 22,174 23,912 15,722 5,922 6,492 3,852 5,115 5,472 11,083
Trading and investment securities 4,868 4,717 4,656 1,877 1,806 1,054 2,810 835 2,828
Trading securities 61 163 454 46 563 0 498 1 223
Investment securities 4,806 4,555 4,202 1,831 1,243 1,054 2,312 834 2,605
Long-term investments 179 232 163 34 13 89 69 14 99
Other assets 1,229 901 366 400 421 177 351 721 571
Liabilities
Deposits and borrowings from other
banks
4,790 3,416 2,241 362 282 332 355 794 1,572
Customer deposits 20,726 24,503 21,207 7,494 8,303 4,779 7,895 6,503 12,677
Financing funds, entrusted funds 1,878 1,595 0 8 92 0 9 12 449
Other liabilities 1,165 903 557 171 173 86 207 129 424
Owner's equity and Funds 2,519 1,626 2,115 569 875 668 820 503 1,212
Income statement (accummulated)
Net interest and similar income 444 391 326 127 183 53 179 67 221
Net profit from services 31 48 44 16 24 7 11 3 23
Other income 32 71 80 5 8 5 20 0 28
Total income 508 510 450 147 215 65 210 71 272
Operating expenses 212 201 150 91 105 50 71 37 114
Provision for credit losses 117 164 154 23 32 8 55 11 71
Profit before tax 179 145 145 34 70 26 84 22 88
Profit after tax 140 116 113 26 54 20 66 17 69

18. 3. Performance
 Stable deposits growth & high liquidity
 High credit growth, well controlled NPL ratio
 Safe & diversified securities portfolio
 Strong financial results
 Contribution in 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 2014: USD 28,040 Mil
Outer ring: As at 30 Jun 2015: USD 28,365 Mil
0.79%
17%
71%
5%
1%
4%
0.31%
17%
73%
7%
2%1%
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
19,967
20,726
1,492
3,366
4,572
3,796
4,895 3,623
4,790
Deposit &borrowing from other banks
Customer Deposits

20. High liquidity
Customer Deposit Breakdown by
Type of business (31.12.2014)
Customer Deposit Breakdown by
by Tenor (30.06.2015)
CAR ratio
14.03%
82.65%
0.55%
2.77% Demand deposits
Term deposits
Deposits for specific
purpose
Margin deposit
8.02%
10.57%
10.33%
13.17%
10.40%
11.46% 11.46%
0%
2%
4%
6%
8%
10%
12%
14%
26.01%
7.17%
4.78%55.81%
6.23%
SOEs
Other business entities
FDI
Individuals
Others

21. High credit growth, sustainable LAR ratio
Total loans and advances to customer (USD, Mil)
Loan Breakdown by Type of business (31.12.2014)
Loan to Total assets ratio
Loan Breakdown by Tenor (30.06.2015)
11,018
13,811
15,690
17,711
20,704 20,974
22,174
0
5,000
10,000
15,000
20,000
25,000
2010 2011 2012 2013 2014 Q1/2015 Q2/2015
63.69%
63.71%
66.20%
65.28%
66.53%
69.69% 70.08%
2010 2011 2012 2013 2014 1Q2015 2Q2015
57.95%
10.05%
32.00%
Short term
Medium term
Long term
31.86%
46.30%
4.41%
16.81%
0.62%
SOEs
Other business entities
FDI
Individuals
Others
63.69% 63.71%
66.20% 65.28%
66.53%
69.69% 70.08%
2010 2011 2012 2013 2014 Q1/2015 Q2/2015

22. NPL ratio is well controlled
Group
Q2/2015 Q1/2015 2014 2013 2012 2011
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Value
(USD,
mil)
%
Group 1
Current
21,676 97.75 20,312 96.84 20,295 98.03 17,404 98.27 15,394 98.11 13,424 97.20
Group 2
Special
mention
176 0.79 285 1.36 177 0.86 129 0.73 66 0.42 283 2.05
NPLs 322 1.45 377 1.80 231 1.12 177 1.00 230 1.47 104 0.75
Total 22,174 100 20,974 100 20,704 100 17,711 100 15,690 100 13,811 100
1.81% 0.61% 0.66% 0.75%
1.47%
1.00% 1.12%
1.80%
1.45%
2.10%
2.50% 2.40%
3.47%
4.09%
3.79%
3.25%
3.81%
3.15% (*)
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 Q1/2015 Q2/2015
VietinBank
Banking average
(*): NPL ratio of banking industry by the end of May 2015

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
7,108
7,303
31.1%
29.7%
26.7% 27.8%
26.8%
23.6%
24.5%
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
0%
5%
10%
15%
20%
25%
30%
35%
Total investment Investment to total asset ratio
43%
55%
0.06%
2%
30%
67%
0.11%
2%
Interbank Debt securities
Equity securities Long-term investments
Inner ring: As at 31 Dec 2014
Outer ring: As at 30 Jun 2015

25. Strong financial results
Profit results (USD, Mil)
Financial ratios
Operating Income Breakdown
Cost to income ratio
361
625
590
559
527
143
296
164
296 295
273
270
58
140
0
100
200
300
400
500
600
700
2010 2011 2012 2013 2014 Q1/2015 Q2/2015
Profit before provisions for credit losses Profit after tax
1.5%
2.0%
1.7%
1.4%
1.2%
1.0%
1.2%
22.1%
26.7%
19.9%
13.7%
10.5% 9.0% 11.1%
0%
5%
10%
15%
20%
25%
30%
0%
1%
1%
2%
2%
3%
2010 2011 2012 2013 2014 Q1/2015 Q2/2015
ROA ROE
82% 90% 84% 84% 84% 89% 87%
10%
5%
6% 7% 7%
5% 6%
9% 5% 10% 9% 9% 6% 6%
0%
20%
40%
60%
80%
100%
2010 2011 2012 2013 2014 Q1/2015 Q2/2015
Other operating income Fees and commission income
Net interest income
48.57%
40.57%
42.96%
45.49%
46.72%
41.50% 41.68%
36%
38%
40%
42%
44%
46%
48%
50%
2010 2011 2012 2013 2014 Q1/2015 Q2/2015

26. Contribution in subsidiaries
Subsidiaries
Total
contributed
capital
(USD, mil)
Percentage
of
contribution
(%)
Charted capital
as at
30.06.2015
(USD, mil)
Profit before
tax as at
30.06.2015
(USD, mil)
VietinBank Fund
Management Company Ltd
43.83 100% 43.83 1.71
VietinBank Leasing Company
Ltd
36.91 100% 36.91 2.54
VietinBank Securities Joint
Stock Company
36.45 75.61% 36.45 1.96
VietinBank Insurance
Company Ltd
23.07 100% 23.07 1.35
VietinBank Gold and Jewelry
Trading Company Ltd
13.84 100% 13.84 0.31
VietinBank Debt Management
and Asset Exploitation
Company Ltd
5.54 100% 5.54 0.05
Global Money Transfer
Company Ltd
2.31 100% 2.31 0.26

27. CTG Stock Performance – 1H2015
Value
The closing price on
05th Jan 2015
13,900 VND/share
The closing price on
30th June 2015
19,200 VND/share
The highest prices in
1H2015
13,900 - 21,200 VND/share
Volume 279,451,620 shares
Trading value 5,455 Billion VND
The trading volume
of foreign investors
Net purchase 31,898,820 share
Foreign owned
1,101,488,251 cp
(29.58%)
Current room of
foreign investors
15,533,116 cp
(0.42%)
EPS 1,630 VND/share
P/E (30th June 2015) 11.78x
BVPS 19,200 VND/share
P/B (30th June 2015) 1.42x
80%
100%
120%
140%
160%
180%
200%
05/01/201526/01/201524/02/201517/03/201507/4/2015 04/5/2015 25/5/201515/06/2015
Growth of VN-Index and Bank Stock -1H2015
CTG VCB BID MBB
STB ACB VNIndex
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
0
5
10
15
20
25
Thousandsdong
CTG Stock Performance – 1H2015
Volumn (Thousands of share) CTG price

28. Website for investors
http://investor.vietinbank.vn
For further information, please contact:
Investor Relations - 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.