Joint Stock Commercial Bank For Foreign Trade Of Vietnam · HOSE:VCB
Joint Stock Commercial Bank For Foreign Trade Of Vietnam — Vietcombank — Q1 2026 Earnings Presentation
19 slides from Joint Stock Commercial Bank For Foreign Trade Of Vietnam's earnings presentation, May 2026
Slide 1: Investors Presentation 1Q2026 Financial Results
¥v Vietcombank Investors Presentation 1Q2026 Financial Results LLILItotitoot oi i] ia] i] i] T DOO ry s “ry w rT [ify | May 2026 pe lian ll dattsos
Slide 2: Economic Updates
Economic Updates
Slide 3: Economic Updates
ECONOMIC UPDATES Vietcombank Q1 GDP growth reached 7.83% — the highest first-quarter growth rate since 2019 GDP Growth (% yoy) 16% 13.7% Economic structure Average CPI Quarterly (yoy) Top FDI investors (%) (% yoy) (Sbn) = Agriculture, 4.18% #1 Singapore 5,32 Sbn Forestry & 3.77% Fisher 3.51% Total t
Slide 4: Strong Credit Growth Remained the Key Driver of Economic Activity
ECONOMIC UPDATES Vietcombank Strong Credit Growth Remained the Key Driver of Economic Activity Credit growth Deposit growth (% ytd) (% ytd) 20% 19.10% 416% 14.00% 16% | 02024 —-2025 -»-2026 ex —en2024 —e=2025 —e=2026 12% 8% 8% Lh 4h 0% 0% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec J Mar Apr May
Slide 5: Financials Review
Financials Review
Slide 6: Key Highlights: Robust Loan Growth Backed by Resilient Funding and Stable Asset Quality
OPENING REMARKS Vietcombank Key Highlights: Robust Loan Growth Backed by Resilient Funding and Stable Asset Quality Makes Room for Bottom Line Expansion Credit” Deposits!@) PBT 3M y 11.803 A 9% 1762 4 4.8% 171 a 0.7% 180 VNDtn ytd VNDtn ytd w NPL ( LLCR® CAR®) ° & 178% 14% ee vs. 174% vs. 11.7% vs.
Slide 7: Strong Credit Expansion with Main Contribution from Corporate Portfolio
FINANCIALS REVIEW Vietcombank Strong Credit Expansion with Main Contribution from Corporate Portfolio Loans Breakdown by Customer Corporate Loans Breakdown Individual Loans Breakdown (%) (%) (%) 1s 125% 195% 12% 4% 4.9% a 43% 40% 41% 2025Q1 2025Q2 =. 20253 2025 2026Q1 2025Q1 202592 = 202593 2025 202
Slide 8: Financials Review
FINANCIALS REVIEW (VNDbn) (%) (%) (%) 8
Slide 9: Financials Review
FINANCIALS REVIEW (VNDbn) (%) (%) (%) 9
Slide 10: Stronger Interest Income and Stabilized Non-interest Income Supported Bottom Line
FINANCIALS REVIEW Vietcombank Stronger Interest Income and Stablized Non-interest Income Supported Bottome Line Income structure of 1Q2026 (VNDbn) 17,651 1,803 Provisions | +29% ete . -8.3% yoy mostly strong credit growt weaker FX 5 yy and expanded NIM ete aineing +29% yoy with +23% yoy thanks er a
Slide 11: Financials Review
FINANCIALS REVIEW (VNDbn) • • • • • • 11
Slide 12: ESG Practices
ESG PRACTICES ESG highlights In Q1/2026, vcB's Sustainability Committee was established to promote and oversee ESG initiatives. v 1,450 CSR Continuous effort in social security contribution GHG emissions in 2025 In Q1 2026, VCB continued various estimated to decrease by CSR programmes across the cou
Slide 13: Key Ratios
FINANCIALS REVIEW Key Ratios Quality Loans to deposits Loan loss reserve coverage (Provision/NPL)' NPL ratio" CAR?@ Credit Cost Profitability? Profit before taxes (bil VND) Net interest margin Non-interest income / Operating Income ROAA ROAE Cost to income ratio Source: Company disclosures. Notes: (
Slide 14: Annexes: Financial Statements
Annexes: Financial Statements
Slide 15: Historical Balance sheet (VND)
| Historical Balance sheet (VND) Vietcombank FY ended 31 Dec (Figures in VND bn) 20241 202492 202493 __ 202404 202501 202592 202503 _ 202504 202601 Cash and cash equivalents 72,916 72,950 73,158 1,268 B13 1,790 72,910 75543 72,931 Balances with SBV 37,837 35,736 13,749 49,340 28,021 37,686 56,577 37
Slide 16: Historical Balance sheet (USD)
Historical Balance sheet (USD) Vietcombank Minority Interest 4 Source: VCB Consolidated Financial Statement Note: Exchange rate (USD/ VND) was taken from the State Bank of Vietnam at the end of period/year FY ended 31 Dec (Figures in USD m) 202401 202402 202493 202404 202501 202502 202503 202504 202
Slide 17: Historical Income statement (VND)
Vietcombank | Historical Income statement (VND) (Figures in VND bn) FY ended 31 Dec 2024Q1 2024Q2 202493 2024Q4 2025Q1 202592 202593 202504 202601 Interest income 24,020 46,882 70,074 93,655, 24,575 49,799 76,506 105,119 32,092 Interest expenses (9,942) (18,897) (28,510) (38,249) (10,888) (21,952) (
Slide 18: Historical Income statement (USD)
Vietcombank | Historical Income statement (USD) (Figures in USD m) FY ended 31 Dec 2024Q1 2024Q2 2024Q3, 2024Q4 2025Q1 202592 202593 2025Q4 2026Q1 Interest income 1,001 1,932 2,908 3,849 989 1,988 3,038 4,185, 1,278 Interest expenses (414) (779) (1,183) (1,572) (438) (876) (1,350) (1,849) (575) |Net
Slide 19: Company Disclaimer
Vietcombank Company Disclaimer * This presentation does not constitute a prospectus or form part of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for, or any offer to underwrite or otherwise acquire any shares in VCB or any other securities, nor