2.

Operation of Techcombank:

2.1: Fund Mobilization

Total capital mobilized from organizations and individuals accounting for 12.3% of the total mobilized
capital of the whole banking sector (in 2018) meeting well the demand for capital. In term of customer
deposits, it’s on upward trend which was reflected BIDV's position in the market and the trust of
customers in BIDV given the strong competition among banks. Deposit structure shifted towards
increasing stable deposits at reasonable costs and suitable for capital demand. In 2018, this was also the
first time BIDV issued bonds to increase capital in the form of public offering, BIDV’s long-term bonds
are the the highest figure in Vietnam’s bond market.

2.2: Credit

Outstanding loans to economic organizations and residents and bond investments accounted for 13% of
the credit market share of the sector (in 2018). Loans spreads both in terms of segment and term.

2.3: Services:

BIDV is the bank with the highest net service income in the banking system. With the message “Change
to continue leading”, BIDV focused on promoting services, defining it a key task to expand and diversify
revenue sources. BIDV provides and receives profits from the following services: payment service, trade
finance service, e-banking services, etc... Especially, treasury activities have a strong and effective
development, besides, BIDV is among Top 3 banks with the largest market share in foreign currency
trading.

2.4: Investment:

Diversified on the basis of tapping market opportunities to increase profits while controlling and
managing liquidity and interest risks. Total investment securities and trading securities portfolio
(excluding corporate bonds) accounted for 9% of the system’s total assets.

2.4.1: Subsidiaries:

- BIDV-SuMi TRUST Leasing Co., Ltd. (BSL)

- BIDV Insurance Corporation (BIC)

- BIDV Securities Joint Stock Company (BSC)

- Lao-Viet Joint Venture Bank (LVB)

- Lao-Viet Insurance Joint Venture Company (LVI)

- BIDV Asset Management Company (BAMC)

2.4.2: Joint-Ventures and Affiliates:

- Vietnam – Russia Joint Venture Bank (VRB)

- BIDV Tower Joint Venture Company

- BIDV MetLife Life Insurance Limited Liability Company

- Vietnam Aircraft Leasing Joint Stock Company