Agribank - the leading commercial bank in Viet Nam

Founded on 26 March, 1988 and operating under Law on Credit Institutions, to date, Vietnam Bank for
Agriculture and Rural Development (Agribank) is the leading commercial bank in Vietnam, holding an
important role in the economic development of Vietnam, particularly in the investment for agriculture,
farmers, and rural areas.

Agribank is the biggest bank in Vietnam in terms of assets, number of staff, branch network, and
customer base. As of December 2009, Agribank’s leading position has been confirmed in many
aspects.

• Total capital resources: VND 434,331 billion.

• Equity: VND 22,176 billion.
• Total assets: VND 470,000 billion.
• Total outstanding loans: VND 354,112 billion.
• 70% of total loans were granted to rural and agricultural sector.
• 10 million farming households
• Loans granted to small and medium enterprises accounted for over 30,000 enterprises.
• Branch network: 2,300 branches and transaction offices nationwide
• Employées: 35,135.

According to 2009 annual report, Agribank’s outstanding loans to agriculture and rural areas
accounted for 68.3% of total, particularly, lending to farm households accounted for 51%. It is
important to note that more than 80% of the rural households nationwide have gained access to
finance and services provided by Agribank.

Due to its specialization and its size the bank has achieved a dominant role in the national economic
development. The main products and services of the bank are:

Client Business Line

Accounts & deposits
Savings
Loan for individuals and
houses
Individual Guarantee
Costumers
Domestic payment
Money transfer
Overseas Remittance
Insurance Products
Accounts & Deposits
Business Loan
Guarantee
Factoring
Enterprise
Discount and rediscount
Customers
Domestic payment
Cross border payment
Forex Dealing
Valuable Papers
Correspondent banks
Financial
Treasury
Institutions
Forex Dealing

For the coming years, Agribank wants to promote the role of leading bank and to help to the national
economic development by helping the agricultural sector. For that the bank will give priority to farmers
and rural areas especially to farm households with agricultural, forestry, fishery, and salt production
and to SMEs which has met the demand for transition to agricultural and rural production.

It is important to note that Agribank is a leading bank in Viet Nam in terms of receipt and
implementation of foreign projects, especially from the World Bank (WB), Asia Development Bank
(ADB), French Development Agency (AFD), and European Investment Bank (EIB). These
organizations have selected Agribank to implement 136 projects with total capital funding of more than
USD 4.2 billion, of which the disbursed amount was of over USD 2.3 billion. Additionally, Agribank is
currently taking the chairmanship of Asia Pacific Rural and Agricultural Credit Association (APRACA).
Recently, Agribank has been known as a leading bank which provides modern services.

Agribank constantly approached and attracted new projects: the second phase of a co-finance
contract with the European Investment Bank (EIB); the third phase of Rural Finance Project funded by
the World Bank; Biogas project funded by the ADB; a JIBIC project with Japan; and project for small
rubber holdings development funded by the AFD.

The bank has 8 subsidiaries. Those are:

1. Financial Leasing Company No. 1 (ALC 1)

2. Financial Leasing Company No. 2 (ALC 2),
3. Viet Nam Agribank Gold Corporation Jsc.
4. (AJC), Printing, Trading and Banking Service Company, Securities
5. Joint stock Company (Agriseco),
6. Tourism and Trading Company (Agribank Tours),
7. Ho Chi Minh City Gold, Silver and Gemstone Company (VJC),
8. Agribank Insurance Joint stock Corporation (ABIC).