Vietnam Joint Stock Commercial Bank For Industry And Trade — VietinBank — FY2025 Earnings Presentation

5 slides from Vietnam Joint Stock Commercial Bank For Industry And Trade's earnings presentation, 2026

Slide 1: VietinBank News Update
VietinBankee NEWS UPDATE VIETINBANK FINANCIAL/REPORTS
Slide 2: (
( 31 36 123 41 114 152 158 167 166 168
Slide 3: Income, operating cost efficiency and profits 2025
VietinBanke News update | 4Q2025 & 2025 y INCOME MAINTAINED FAVORABLE MOMENTUM (wo, tr) 2024 audited 2025 5 64.6 11.4 a Hl Nil (excl. guarantee fee) lM FX trading income I NFI (incl. guarantee fee) Other income TOl in 2025 reached 87.3 VND, Tn (+6.6% yoy). In which: @ Nil (excl. guarantee fee) in 20
Slide 4: Debt quality was effectively controlled
y VietinBanke News update | 4Q2025 & 2025 DEBT QUALITY WAS EFFECTIVELY CONTROLLED a ) NPL RATIO AND NPL COVERAGE RATIO 1.24% 1.55% 1.31% 1.09% 1.1% ° e e e ° 2024 audited 1Q2025 2Q2025 3Q2025 4Q2025 e NPL out of outstanding loans e NPL e NPL coverage ratio In 2025, VietinBank effectively manages its
Slide 5: More information about VietinBank in other publications
VietinBanke News update | 4Q2025 & 2025 y More information about VietinBank in other publications (Click on below titles/ images to access link ¥) INVESTOR BUSINESS UPDATE INFORMATION UPDATED ON WEBSITE www. investor.vietinbank.vn Quarterly issue VietinBank Investor Relations Page VIETINBANK BUSINES