UPDATES

BUSINESS PERFORMANCE

1Q2023

HIGHLIGHTS IN 1Q2023

DETAILED BUSINESS RESULTS IN 1Q2023

MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE

BUSINESS PLAN IN 2023 AND SOLUTIONS, INNOVATIONS

APPENDIX

HIGHLIGHTS IN 1Q2023

DETAILED BUSINESS RESULTS IN 1Q2023

MACRO-ECONOMIC AND BANKING INDUSTRY UPDATE

BUSINESS PLAN IN 2023 AND SOLUTIONS, INNOVATIONS

APPENDIX

Business performance in 1Q2023 achieved positive results

HIGHLIGHTS IN 1Q2023

QUALITY EFFICIENCY SCALE

TOTAL ASSETS

LOANS TO

CUSTOMERS

CUSTOMER

DEPOSITS

TOI

PROFIT BEFORE TAX

CIR

CREDIT RISK

PROVISION

NPL

DEBT COVERAGE RATIO

1,824 VND,Tn

1,333 VND,Tn

1,272 VND,Tn

17 VND,Tn

6 VND,Tn

25.3%

6.7 VND,Tn

1.28%

173%

0.9% (ytd)

4.6% (ytd)

1.9% (ytd)

21% (yoy)

2.7% (yoy)

1.9% (yoy)

51.9% (yoy)

0.04% (ytd)

15.4% (ytd)

INCOME GROWTH AMONG POSITIVE GROUP (listed banks only)

Page 01

HIGHLIGHTS IN 1Q2023

Major scale indicators continued to enjoy ytd

TOTAL ASSETS (VND, Tn)

2022

1,808

Growth vs. 2022

0.9%

1Q2023 1,824

PLACEMENT WITH & LOANS TO OTHER C.I (VND, Tn)

2022 242

Growth vs. 2022 14.3%

1Q2023 208

INVESTMENT SECURITIES (VND, Tn)

2022

180

Growth vs. 2022

11.2%

1Q2023

200

LOANS TO CUSTOMERS (VND, Tn)

2022 1,275

Growth vs. 2022

4.6%

1Q2023

1,333

TOTAL ASSETS STRUCTURE (%)

10%

2022

68.8%

13.4%

1.6%

4.5%

1Q2023

71.5%

11.4%

11%

3.4%

1.2%

Loans to customers

Balances with the SBV

Placement with & loans to other C.I

Derivative financial instruments

Investment securities

Long-term investments

Trading securities

Fixed assets

Cash and cash equivalents

Other assets

Total assets as at 31/03/2023 reached 1,824 VND, Tn (+0.9% ytd). In which, Loans to customers was up 4.6% ytd; Investment securities was up 11.2% ytd owing to increase in Debt securities issued by credit institutions. Placement with & loans to other credit institutions went down 14% ytd due to VietinBank's flexible conversion of capital channels to optimize business efficiency.

Page 02

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VietinBank - Vietnam Joint Stock Commercial Bank for Industry and Trade published this content on 18 May 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 May 2023 10:28:03 UTC.