Platform

Techcombank has the second largest total deposits base among private sector banks in Vietnam, with VND88,648 billion in total deposits at the end of 2011. Techcombank has rapidly grown its branch network in order to increase our reach, expand our customer network and improve our service platform. As of December 31, 2011, we had a network of over 307 branches and transaction centers in 35 provinces and cities throughout Vietnam. In addition, Techcombank has our own network of 1,205 ATMs which is the largest in Vietnam and has joined card alliances to give our retail customers access to approximately 9,350 ATMs and 14,000 points of sale nationwide. This emphasis on branch banking and retail customers is targeted at acquiring customers and low cost funding from deposits which we believe are the foundations of a market leading bank.

Prudent Risk Management Model

Techcombank's rigorous and comprehensive risk management practices are regarded as among the best in the Vietnamese banking market. Through our strategic partnerships with HSBC, a leading global bank and McKinsey, a world class advisory firm, Techcombank has built a robust risk management platform underpinned by:

• Secured lending;
• Diversified loan book;
• Low real estate exposure; and
• Streamlined process and prudent policy.

Innovative Products and Services Aimed at Key Sectors

We offer a variety of loan, deposit and fee-generating products and services tailored to meet the needs of our Personal Financial Services (PFS), SME, Corporate Banking and Financial Institution clients. We have stayed ahead of the curve in introducing innovative products and services that offer customers greater convenience and functionality.

Well Diversified and Highly Experienced Management Team

Techcombank’s management team consists of local and international bankers with deep experience working for leading multinational banks such as Standard Chartered Bank, Citigroup, Deutsche Bank, HSBC, DBS and ABN-AMRO. The team is led by CEO Simon Morris, who has a track record of building emerging market leaders with a particular expertise in consumer deposits, SME lending and asset quality.

Technology and System Orientation

We view our information technology infrastructure as a core competency and a competitive advantage. In 2002, we were the first joint-stock bank in Vietnam to implement the T24 core banking system developed by Temenos, that is used by many of the world’s leading financial institutions such as HSBC and Deutsche Bank. We were the first financial institution in Vietnam to execute a Business Process Management (BPM) platform for the retail and SME credit application processes.

Techcombank is also the first joint-stock bank to become a member of the Smartlink-Banknetvn ATM network, which today provides its customers with access to approximately 9,350 ATMs throughout Vietnam.