“ eBiz with F@ST eCom in Bridging Digital ” Project Sponsor : Ms. Dang Tuyet Dung, Head of PFS

1. “eBiz with F@ST eCom in Bridging Digital” Project Sponsor: Ms. Dang Tuyet Dung, Head of PFS Project Leader: Mr. Au Duc Chung, Head of eChannels, PFS Organization: Techcombank Nominated by: Vietnam E-Commerce & Information Technology Agency

2. CONTENT • About Techcombank • The purpose of Project • Project Content • Conclusion

3. Who We Are Vietnam Technological and Commercial Joint Stock Bank, more commonly known as Techcombank, is one of the leading commercial banks in Vietnam. Since our establishment in 1993, we have experienced strong year-on-year growth and outstanding performance, consistently achieving high annual increases in both total assets and turnover.

4. What We Do We serve around 55,716 enterprises and 2.8 million individual customers through our three core business strategies: Personal Financial Service, Small and Medium Enterprise Banking, and Transaction Banking. Through these strategies, we are able to offer financial products and services which address the needs of different and diverse categories of customer. We are confident that by continually improving on all aspect of our product and service delivery, we will be able to achieve our ultimate goal of becoming the Best bank in Vietnam.

5. Sustainable Growth – Maintain our Network The year 2012 saw us maintained our network while only place new branches and ATMs where they can best serve our customers… We now have 316 branches and 1,247 ATMs throughout the country.

6. Major AWARDS in 2012 Best Emerging Market Banks in Asia 2012 Best Bank in Vietnam 2012 Best Cash Management in Vietnam 2012 Best Trade Bank in Vietnam 2012 Best Cash Management in Vietnam 2012 Best Trade Bank in Vietnam 2012 Best Retail Banking of the Year in Vietnam 2012 Best Trade Finance Bank in Vietnam 2012 Best Domestic Bank in Vietnam 2012 Best Bank in Vietnam 2012 Best Best FX Bank for Corporate & FIs in 2012 “Best Bank in Vietnam 2010” awarded by Euromoney

7. Background and Purpose

8. Orientation 1. The orientation of Vietnam government. The government has announced a long-term strategic development of information and communication technology (ICT):- Promoting e-government to become a strong country on administrative reform- Encourage the development of enterprise e-commerce to the world economic integration 2.Techcombank defined. - Market segmentation goals,- Design and implementation of products and services of modern banking- Service and convenient are competitive factors leading 9

9. The trend of the market potential The rate of user / user populationthe Asia Internet The rate of growth of the number of people using the Internet in some Asian countries • The activity of online sales accounted for approximately 12%. • Paying cash still accounted for 93% high. • The age of internet users in Vietnam tends to rejuvenate the main focus in the age group 15-50.

10. Purpose Seek to Minimize Distribution Costs, While Maximizing the Customer Experience The problems of Techcombank ? Techcombank today are under enormous pressure to both improve service quality and reduce costs A Multi-Channel, Multi-Product Environment requires a revamped Delivery Approach. Services and convenient are competitive factors leading 11

11. Project Content

12. F@st ECOM: Scope and Scale F@st e-Com is deployed from 5/2007, but from 2010 officially put into operation with the goal of developing alternative channels to diversify the products and services and cost savings. F @ st ECOM project developed electronic banking channels to provide individual customers and Businesses a full range of products and services of the bank.

13. F@st ECOM: Scope and Scale Public, billing, e-Com and invest service, tradition Banking transactions VIP Customer Bussiness Customers Public, billing, e-Com and invest service, Back office Public, billing, e-Com. Student e-Com Service, Billing Billing Workers

14. Marketing & Educate Customer

15. Achievements: Save Cost Transaction Cost (USD) 4,410,000 (USD) 10/2013

16. Achievement - 2013 E-Payment Connections: Electricity Shopping • 6 payment gateway • 3000 website • 200,000 online shop • 3 Electricity corporations • 200 electricity sub-branches • 22 cities Telecom Insurance • Mobile: Viettel, MobiFone • Internet: ADSL FPT • Prudential Life • Ace Life Top-up Air-Ticket • All mobile prepaid • E-Wallet : NganLuong, Bao Kim, VTC, Vinagame • Vietnam Airlines • Jetstar • 25 international airlines

17. Achievement - Connections Bussiness Customer Invidual Customer Internet Banking Mobile Banking Interactive TV ATM / POS Call Center Kio|sk IVR Interactive windows (Pay now) Direct connection (Pay later) OTC Payment Gateway Collection & Billing Public eCommerce

18. F@ST ECOM with Social Benefits Taxes, CustomsRegistration and Business Registration Change, Domain Name Registration, ... Banking services via Internet Banking, Mobile Banking, ... AviationRailwaysElectricity, WaterInsuranceMovie ticketsSupermarkets, ...Online Shoppingbusiness Smartlink BankNet Onepay VnPay ...

19. NEXT STEP Busines Development Invest Technology Development HR Marketing & Communication Products & Services Development

20. CONCLUSION • F @ st ECOM development has proven to be the right direction, profitable for the bank as well as enhance the image, the position of the bank, and bring customer experience and new gadgets. • The success of the project, as well as the strong commitment of the participating Techcombank has created a breakthrough with the e-commerce market, when there is full chain (consumer-banking-Merchants-government), to help Vietnam ecommerce solid strides. • F @ st ECOM project has become a model of banking institutions participating in e-commerce are trying to reference and inheritance. This has contributed to the formation of common standards in e-commerce connections, helping this sector grow rapidly over.

21. Q & A Thank you! 22