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Interest rates per annum of loans to customers at the reporting date are as follows:

31 December 2018 31 December 2017


----------------------- ------------------------
- Loans to customers in VND 0,00% - 19,45% 0,00% - 19,35%
- Loans to customers in foreign 2,23%- 6,59% 1,70%- 6,75%
Currencies
Loan portfolio by quality 31 December 2018 31 December 2017
VND million % VND million %
------------------------- -------------------------
- Current 154.548.122 96,63 155.931.825 96,94
- Special menftion 2.587.646 1,62 2.333.286 1,45
- Substandard 237.758 0,15 575.397 0,36
- Doubtful 862.510 0,54 455.567 0,28
- Loss 1.703.181 1,06 1.552.962 0,97
----------------------- -----------------------
159,939,217 100.00 160,849,037 100.00

Loan portfolio by quality: Current: that can be recovered both principal

and interest on time. in 2018 decreased 0.31% compared to 2017

Loan portfolio by term 31 December 2018 31 December 2017


VND million % VND million %
------------------------- -------------------------
- Short term 60.381.950 37,76 63.412.628 39,4
- Medium term 36.774.904 22,99 42.896.541 26,67
- Long term 62.782.363 39.25 54.539.868 33,91
------------------------- -------------------------
159.939.217 100.00 160.849.037 100.00

-Time division is important for banks because the time is closely related to
the safety and profitability of credit in general and the ability of customers
to repay: The longer of the loan period, the more the greater the risk, the
higher the interest rate. Moreover, the division over time also helps the
bank ensure the maturity matching between mobilized funds and loan
amounts. In 2017, the short-term loans accounted for the largest
percentage. But in 2018 the largest percentage belongs to the long-term
loanso.
-Because Techcombank has preferential policies for many enterprises. So
long-term loans in 2018 compared to 2017 increased 5.31%. because
long-term loans are intended to finance basic construction works such as
construction of houses, airports, bridges and roads, equipment, large-
scale means of transport, construction of new enterprises ...
-Long-term loans is the highest proportion, due to Techcombank link with
Vin Group so that, it obtain a great benefit. Real estate and housing loans
are a huge number at Techcombank. Because real estate and housing
loans are belong to long term loans.

Loan portfolio by ownership


31 December 2018 31 December 2017
VND million % VND million %
------------------------- -------------------------
- Loans to economic entities 87.555.538 54,74 96.071.606 59,73
- State-owned limited companies 6.902.256 4,32 8.817.905 5,49
- Other limited companies 34.575.025 21,62 32.494.895 20.20
- Joint-stock state-owned companies 76.316 0,05 63.292 0,04
- Other joint-stock companies 43.234.058 27,01 51.326.364 31,91
- Private companies and partnership 322.237 0,20 401.537 0,25
Companies
- Foreign-invested companies 2.039.895 1,28 2.076.046 1,29
- Cooperatives and cooperative unions 25.637 00,2 70.592 0,04
- Administration units, Party, unions, 380.055 0,24 820.739 0,51
associations
- Others 59 0,00 236 0,00
- Loans to individuals 72.383.679 45,26 64.777.431 40,27
------------------------- -------------------------
159.939.217 100.00 160.849.037 100.00

-Loans to customer of Techcombank decreased in 2018 ( 160,849 billion VND- 159,942


billion VND ).
In 2018 Techcombank is a rare case of decreasing loans to customer.Although, last year,
most of Vietnamese commercial banks increase in loans to customer is over 14%..
-Loans to economic entities accounts for 54.74%. and Loans to individuals
accounted for 45.26%.
- Techcombank has many incentive programs for businesses.Specifically
Techcombank has designed it exclusively for construction enterprises or
enterprises that are contractors of Viettel, Mobifone and VNPT,
pharmaceutical enterprises, medical supplies, ... and many other
enterprises with many advantages excels. That's why the rate of Loans to
economic entities organizations is the highest percentage in loans for
customer in 2018

 In 2018 Techcombank is a rare case of decreasing loans to customer.


Techcombank link with Vin Group so that, it obtain a great benefit.
Real estate and housing loans are a huge number at Techcombank.
Because real estate and housing loans are belong to long term
loans. So that long term loans is the highest proportion

. Based on the purpose of using the loan


-Based on the purpose of using loans, individual loans include: consumer
loans and commercial loans.
+Consumer loans: A loan to satisfy requirement for personal,family, or
household purpose. The consumer loans are supervised by goverment
regulatory agencies for their compliance with consumer protection
regulation
+Commercial loans: Loans for the purpose of supplementing capital for production and
business, investment of individuals and households such as: supplementing working capital,
purchasing fixed assets, investing in facilities for production activities. export business, invest
in securities trading, gold.

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