VIETNAM INTERNATIONAL BANK

VIETNAM INTERNATIONAL BANK

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How can VIB enhance your success?

Content

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Branch and Correspondent bank network

Vietnam International Bank – A trustworthy partner of Enterprises

Products and services for enterprise clients

Products and services for enterprise managers & staffs

VIB’s corporate profile

VIB has a large nationwide network with over

120 branches and transaction offices, which is

rapidly getting ever larger.

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Branch network

VIB's transaction area

Worldwide network of 1000 correspondent banks in over 100 countries all over the world.

The system of VIB's Nostro accounts appears in 20 foreign leading banks with a wide range of hard foreign currencies

Maintain close relationship with the leading banks in the world, such as Citigroup, JP Morgan Chase, HSBC, Deutsche Bank, Sumitomo Mitsui Bank, Wells Fargo

Provided credit lines by correspondent banks amounted to millions USD for trade finance

VIB is one of ten banks in Vietnam which is selected and granted credit lines by ADB on Trade Finance Facilitation Program (TFFP). By participating in the program, VIB is recognized by more than 400 banks worldwide in terms of L/C confirming

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Correspondent Bank Network

VIB - Trustworthy partner of Enteprises

Being one of the first commercial joint stock banks and in five recent consecutive years, VIB has continuously been in the top of Vietnam ‘s five leading commercial joint stock banks in Viet Nam with NPL ratio under 2%. We always do our best efforts to become one of Vietnam’s top three commercial joint stock banks in 2013.

CBA, one of the world 20 safest banks, becomes a strategic shareholder

Customers are central to all VIB’s activities. Our vision is to be the most innovative and customer-centric bank of Vietnam

Continuously ranked as "Strong financial status" amongst Vietnam leading banks by Moody's, the world leader in credit rating services

Diversified products and services, flexible and outstanding financial solutions are based on modern technologies. Particularly, VIB focuses on developing specific product packages for target segments.

VIB is proud of various certificates and merits awarded by prestigious international and national organizations

Why choose VIB as your trustworthy partner on the way of development?

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Diversified products, services and wide range of benefits for enterprise clients

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Loan Forex services Factoring

Domestic factoring

Trade financeCash

Management service

Quick financing

Loan based on assess

Medium & Long term

loan/ Finance project

Syndicated loan

Trusted loan

Quick financing for

flexible capital

Accounting overdraft

Valuable paper

collateral loanMedium & Long-term financing

Import financing

International payment

Bank guarantee

Export financing

L/C

Collection service

Domestic guarantee

International

Guarantee

Spot

Swap

Forward

Option

Term deposit

Bank transfer

Account services

Payroll

Payment account

Economic account 50

100 Overnight payment account

International

Domestic

Custody Services

Others

Corporate Bond

Online banking VIB4U

Online account

Online bank

transfer

Online lending

Online LC

opening

Product Portfolio

Products & Services for Enterprise Customer

Financing for

working capital

Accounting

Overdraft

Valuable paper

collateral loan

• Fast and convenient procedures

• Competitive and flexible interest

• Flexible collaterals, convenient and various forms of loans.

• Credit limits is suitable with demand, business period.

• Additional benefits with modern technology such as: fund withdrawn, re-payment the loan, information query with online banking VIB4U service, internet Banking.

• Special benefit from Accounting Overdraft of VIB: Allow to make draft excess of the balance of VND payment account with overdraft limit and flexible term, you may withdraw at any VIB’s branches or right at your office through VIB4U.

Flexible financial solutions meet all working capital needs

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Quick financing for working capital

• Meet your need of medium/long-term funds for new project investment.

• Expanding business by financial lever, overcome lack of medium and long term capital, Financing ratio can be up 100% of the project cost

• Competitive interest rates, proper grace period.

• Flexible collaterals: All kind of normal collaterals are accepted. Especially, VIB can accept those assets which are originated from loans…

• Financial solution consultation: Free consulting on medium and long-term financial solutions by our enthusiasm, experienced, and knowledgeable staff

Expanding business by firm financial lever

Loan for fixed-asset investment

Loan for project

Syndicated loan

Trusted loan

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Medium & long-term financing

• Quick transferring & payment, support tracking cash flow routine with wide branch network , modern & comprehensive technology.

• Make and process document promptly and exactly with Trade hub centre in Ha Noi and Ho Chi Minh.

• Market information support, foreign trade contract advising service and document making consultation

• Favorable, flexible and competitive service charge.

• VIB4U online banking help you to open L/C, cash management and check L/C condition at every time and in everywhere just by one Internet – access computer.

• Continuously received award of Excellent bank in International payment by Citigroup, HSBC, Wachovia Bank (now belong to Wells Fargo Bank).

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International Payment

TTRL/C

issuing

L/C, D/P, D/A announ

cing

L/C, D/P, D/A paymen

t

VIB is the first bank in Vietnam applying Trade Hub model with updated technology and experienced experts

Enhancing prestige of Vietnamese Importers

• Import finance and international payment services by following methods: Telegraphic transfer (T/T), Documents against Payment (D/P), Documents against Acceptance ( D/A), Letter of credit ( L/C)

• Issuing L/C with a preferential and flexible deposit rates.

• Endorsing Bills of Lading (B/L)/Issuing guarantee for receiving goods.

• Trade financing in multi-currencies, preferential foreign exchange rates

• Advisory services for import transactions: international payment risk, foreign exchange risk, the best insurance solutions with reasonable prices provided by Vietnam’s leading insurance companies-VIB’s partners.

Free advisory services for trade finance operations

Preferential, competitive, flexible service charges.

High financing rates, up to 95% of L/C value, with preferential interest rates, flexible collaterals

The most competitive buying & selling foreign exchange rates

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A-Z services importers

More goods exported, More money received

• Export financing Before and/or After shipment with diversified services: Export financing in VND with super favorable interest rates, Bills of exchange Negotiation, Export documents negotiation, Quick export financing..

• Free of charge L/C Advising, L/C term and conditions checking services.

• Collect proceeds of shipping documents under L/C and D/P, D/A.

• Advisory services in terms and conditions of export L/C and export document preparation

• Consulting the best insurance solution with preferential prices provided by Vietnam’s leading insurance companies-VIB’s partners.

Free advisory service on foreign exchange rate risk

Favorable, competitive, flexible service charges

Financing before and after shipment with high financing rates ( up to 95% of L/C value), favorable interest rates, flexible collaterals

The most competitive buying & selling foreign exchange rates

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A-Z Services for exporters

Domestic guarantees

(Tender guarantee, Performance guarantee, Advance payment

guarantee, Payment guarantee, loan guarantee, others…)

(Tender guarantee, Performance guarantee, Advance payment

guarantee, Payment guarantee, loan guarantee, others…)

• With VIB’s famous trademark, not only your prestige will be certainly improved, but also your business operation is successful

• Competitive and affordable deposit.

• Benefit a wide range of competitive and various charges and commissions.

• Prompt and convenient procedures…

• With frequent needs for guarantee, VIB will provide you with a credit line for guarantee to maximize benefit in your trade business

(Letter of Guarantee, Guarantee Confirmation)

Bring you the golden trust

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International

guarantee

Bank Guarantee

• All your needs of foreign exchange are met: import/export payment, loan repayment.

• Provide with the most satisfactory full package solution of foreign exchange fund management with the most competitive and flexible exchange rate.

• Free fast updated all information of foreign exchange rate marked to both domestic and international markets constantly during the day via email, telephone, and fax or at any VIB’s branch.

• Prompt, safe, accurate and effective transaction procedures

• Free advisory services served by devoted and professional staff on risk prevention and the most effective foreign exchange business solution.

Spot

Forward

Swap

Option

Full range of foreign exchange products for all needs

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Forex services

Full range of foreign exchange products for all needs

• Decreasing maximum time, cash management expenditures, helps to manage account receivables, account payables effectively, follows and take the initiative business’s source of financing.

• Modern technology, automatic transfer from many subsidiary accounts to main account and contrary-maximize interest

• To be updated information every second from accounts receivable, payable through VIB4U and Mobil Banking.

• Overdraft is available

Receivables

Management

Liquidity Management

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Cash Management Services

PayablesManage

ment

Convenient transaction, maximum profit

• Have a chance choosing prosperous, lucky payment account number as per request.

• Opening account service can be served at your office.

• Current account with high interest rate, competitive and preferential transaction fees.

• Free of charge remittance in VIB brand network.

• Actively query, update deposit account information via VIB4U online banking service and Mobile Banking.

• Diversified transaction channels, providing favorable, economical and convenient conditions for you while processing account transaction, deposit contract via fax/scan/email.

• Especially, the money in your account will be enhanced in maximum way and benefited up to 7 levels of accumulated interest rate with 100 Overnight payment account”.

• Extremely economic and convenient with EA50.

Payment account.

100 Overnight payment account

Economic account 50 ( EA50)

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Account service

Term Deposit

Note:

• Allowed to withdraw capital flexibly when needed.

• Allowed to use term deposit contract as collateral for third party

Term Currency Interest rate

Wide range of terms :1 week, 3 weeks, 1 month, 3 months, 6 months, 1 year…

Wide range of terms :1 week, 3 weeks, 1 month, 3 months, 6 months, 1 year…

• Wide range of currencies: VND, USD, EUR, JPY, AUD, GBP, …

• Wide range of currencies: VND, USD, EUR, JPY, AUD, GBP, …

• Account cash is guaranteed to be safe, profitable with attractive interest rate…

• Account cash is guaranteed to be safe, profitable with attractive interest rate…

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Domestic Remittance International Remittance

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Remittance Service

• Credit immediately for the same system account

• Free of charge remittance in the same system and receiving payment

• Payment and receiving payment in all provinces, cities by diversified payment channels, modern technology system with express, safety and security..

• VIB consults intelligent remittance channels ensuring shortest time and the most economical outward remittance.

• Wide correspondent bank network all around the world

• International Swift payment standard

• Modern technology system• Especially: transaction via Fax/ scan/

email and online remittance via VIB4U, which help custome save time because they do not need to go to the bank.

• For many consecutive years, VIB has been awarded by many international financial organizations such as: Citibank , HSBC.. For the best payment settling service

• By diversified currency resource, VIB commits to provide foreign currency for you to pay and buy foreign currency with competitive price

Benefit for Corporate Benefit for staffs & employees

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Payroll service with VIB Value Card

• Avoid risk, lost in using cash, offer security of salary information of each staff.

• Save cost and human resource for budget management and salary payment, especially, VIB can make free wage payment for enterprises for 2 years.

• Save time, avoid troublesome procedures when using cash. Especially, direct wage payment can be done via VIB4U online banking service in bulk – One click for hundreds of accounts.

• Free issuing• Purchase and service payment in

more than 10,000 POS points, withdraw, transfer, payment on more than 6000 ATMs because VIB take part in Smartlink card system and successful connect with VNBC.

• Customer can immediately receive information when salary transferred with Mobile banking, query any transaction, balance amount, make any transaction at every time and in every where via VIB4U online banking

• Can enjoy bank overdraft up to 3 fold salary months – approximately 50 million VND in average

Special benefit from “Domestic Factoring of VIB”Get

money at one

Get purchas

es at one

Advance of money

Advance of money

Pay in tim

e

Pay in time

Sales in term

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VIB is Vietnam’s leading bank to provide domestic factoring product

SELLER BUYER

Domestic Factoring

• Factoring interest, factoring fee: flexible, competitive and favorable

• Meet maximum your needs for funds with advance of funds up to 85% of receivables' value

• Flexible factoring term which is 180 days maximum

• Automatic software helps to manage receivables' value quickly and conveniently

• Free consultation on factoring form and factoring term

• With VIB4U online-banking service, you can actively query information of loans and check cash inflow everywhere, every time with just only a computer connected to Internet

VIB finances working capital to 2000 billions VND for coffee businesses.

Provide foreign exchange services with the best foreign exchange rate.

VIB finances 1500 billions VND for rice businesses.

Provide foreign exchange services with the best foreign exchange rate

“ VIB supports Vietnamese coffee exporters” Program for coffee industry

‘VIB cares for gold rice’ Program for rice exporting industry

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Special program for economic industries

VIB finances 1500 billions VND for marine businesses.

Provide foreign exchange services with the best foreign exchange rate.

‘‘VIB gives strength to seafood industry”Program for seafood industry

VIB finances 1500 billions VND for wood businesses with preferial interest.

Provide foreign exchange services with the best foreign exchange rate

“VIB’s support for wood exporters affirming new position”

Program for wood exporter

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VIB4U Online Banking

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Just one click and you can use various enterprise finance services promptly and conveniently

• Interest updated continuously on your current account, loan account and international payment transaction…

• Transfer to hundreds of accounts on one click, or scheduled automatic transfer

• Simplified and quick L/C opening, amendment over the Internet, quickly informed of L/C issuance and advanced notice of L/C documents expiry date

• Up to 4 MB – sized online document package for transfer, L/C opening and request for remittance

• Advanced and secure technology: VIB4U uses digital certification and token key provided by Verisign, the world-leading security vendor

• Comprehensive training at your office or via email/ phone upon your request

Diversified products and lots of benefits for Your staff

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Product Portfolio

Products and services for enterprise managers & staff

Credit Deposit CardFee based

servicesBundle

Home loans

Auto loans

IndividualBusiness loans

Unsecured loans

Shares loans

Study loans

Others

CurrentE-SAVINGS

account

Progressive savings

Time savings

Gold savings

Current deposit

VIB chip master card

Debit card

Remittance

Banking- insurance

Personal guaranty

Others

Auto loans & master card

VIB dosmetic prepaid card

Products and Services for Managers

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• Buy now, pay later, maximum credit limit for the first issue is five month salary and less than 200 millions VND .

• Minimum installment of 10% monthly payable amount

• Use Chip technology with highest safety and security

• Use withdraw in millions ATM, purchase online or merchant outlets of MasterCard in Viet Nam and all over the world.

• Issue card quickly, within 1.5 – 3 days.

The VIB Chip Master card

• Maximum loan term up to 180 months

• The rate of loan is up to 90% of house, land value

• Attractive interest rates• Original grace period up

to 6 months (Model House to establish the business)

Home loans Mortgage loans

• Maximum loan term up to 36 months

• High financing amounts: up to 200 million

• Attractive interest rates

• Simple, convenient procedures

Car loans

• Maximum loan term up to 72 months

• Maximum loan limit: 100% invoice value

• Special and flexible interest.

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Products and Services for Managers

• Saving Product diversified, flexible term, deposit.

• Accept deposit with full ranges of currencies and gold.

• Flexible range from non-term deposit to maximum 36 months.

• Competitive Interest rates on the market.

• A various choices of saving products: normal saving, accumulation, gold saving…, especially e-saving product provides outstanding benefit.

• Stair-up interest rates vary on balance amount at end of day.

• Online connection two-way between saving account and payment account to ensure unusual payment demand any time.

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Products and Services for Senior staff

Saving Product

A BRIEF INTRODUCTION TO VIB

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adfa

Our goal: To be among the Top – 3 Joint Stock Commercial Bank in Viet Nam by 2013

Our vision: To be the most innovative and customer-centric bank of Vietnam

Our mission

Excel in providing innovative, customer-centric solutions to satisfy the needs of our customers

Cultivate a high performance culture, entrepreneurship and openness in our work environment

Provide sustainable and attractive returns to our shareholders

Support community development

Our core values

Customer focus

Excellence

Proactive mind set

Teamwork

Disciplined

The Vietnam International Joint Stock Commercial Bank was established

on 18 September 1996 under Decision No. 22/QD/NH5 dated 25 January

1996 from the Governor of the State Bank of Vietnam

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The highlight awards that VIB has received in recent years

Complimentary flag and certificate from The Governor of State Bank of Vietnam for outstanding performance in Banking contests in 2007, 2008, 2009, 2010

“Best international payment performers” awarded by international financial institutions such as HSBC, Citigroup, Wells Fargo in 2007, 2008, 2009, 2010

“Most satisfying services” awarded by Saigon Marketing readers in 2008, 2009, 2010

“Famous Competitive Brand” super cup awarded by Vietnam Intellectual Property Bureau in 2007, 2008, 2009, 2010

Strong financial ratings amongst Vietnam biggest banks - by Moody’s, the leading rating agency worldwide

“Vietnam strong brand” awarded by Vietnam Economic Times in 2005, 2006, 2007, 2008

Ranked the 3rd amongst 500 biggest private enterprises in 2007 (provided by Vietnamnet & Vietnam Report)

“Golden Globe” awarded by VCCI in 2007

VIB Overview : 2005-2009

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Majour figures:

Năm 2005 2006 2007 2008 2009

Total assets (unit: VND in Tril) 9 17 39 35 57

Mobilization (unit: VND in Tril) 5 10 19 24 34

Loans (unit: VND in Tril) 5 9 17 20 27

Profit before tax (unit: VND in Bil.) 95 200 426 230 614

Strategic shareholder

Commonwealth of Australia (CBA)

CBA is not only one of the top 20 safest banks in the world but also one of the top 14 banks in the word in the field of market capitalization

As part of the strategic partnership, the “Technical Assistance Program” and “Capability Transfer Program” will be established to further enhance the operational and commercial capabilities of VIB.

Mr. Han Ngoc Vu – VIB’s Chairman of the Board and CBA’s Simon Blair – Director of Global Finance at the announcing ceremony of strategic partnership between VIB and CBA

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VIB Clients & Major Partners

Core target segments

VIB majour clients

Exports

Rice

Seafood processing

Coffee

Wood processing

Electronics

Textile & garment

Vietnam Oil and Gas Group Vietnam National Coal - Mineral Industries GroupVietnam Post & Telecom GroupVietnam Textile GroupThe Vietnam National Textile and Garment GroupVietnam Rubber Group.Saigon Brewery Corporation (Sabeco)Vietnam Airlines.Vietnam National Petroleum Corporation.Vietnam National Shipping Lines.Construction Corporation No 1Parkson Vietnam

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Imports

Petroleum

Electronics and Machinery

Textile input material

Chemical

Pulp and Papers

Animal food

Contact us now to enjoy the best financial products & services

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VIB’s nation-wide branch network

Website: www.vib.com.vn

Email: [email protected]

Hot line: (84-4) 62 58 58 58

THANK YOU!