Asia Commercial Bank

Head Office Address: 442 Nguyen Thi Minh Khai St., Dist. 3, HCMC, Vietnam Tel: 84-8-9290 999 - Fax: 84-8-8399 885 Email: acb@acb.com.vn - Website :www.acb.com.vn Chartered capital From 25/05/2007 onwards, ACB charter capital reached VND 2,530.106 billion. Financial Highlights Total assets : USD 1.77 billion Share capital : USD 69 million Pre-tax profit : USD 6.9 million NPL : less than 0.6% Major foreign shareholders (total stake: 30%) Connaught Investors (Jardine Matheson Group) Dragon Financial Holdings Ltd. International Finance Corporation (IFC) of the World Bank. Standard Chartered Bank Major services Taking deposits in VN dong, gold and foreign currencies Lending, equity investment in VN dong, gold and foreign currencies Payment services, treasury services, remittances, bancassurance, foreign exchange trading and gold trading Credit card and debit card issuance Distribution channel 84 branches nationwide: - 18 in Northern Region: Hanoi, Hai Phong, Hung Yen, Bac Ninh, Quảng Ninh - 9 in Central Region: Danang, Hoi An, Daklak, Nha Trang, Hue - 45 in Ho Chi Minh City - 11 in Southern Region: Long An, Can Tho, An Giang, Ca Mau, Dong Nai, Binh Duong, Vung Tau 5,646 merchants of ACB Bankcard Center 303 payment locations of ACB-Western Union Center 455 correspondent banks in 100+ countries Over 658,000 customers E-banking Affiliates ACB Securities Company (ACBS) ACB Assets and Liabilities Management Company (ACBA) Subsidiaries ACB Defense Company (ACBD) ACB Real Estate Company (ACBR) Joint-venture ACB – Saigon Jewelry Company (ACB-SJC) Organizational Structure 7 divisions: Consumer Banking, Corporate Banking, Treasury, Business Development, Managerial, Human Resource and Information Technology 4 Committees: Supervisory Committee, Strategic Committee, Quality Assurance Committee and Credit Policy & Management Committee 2 Departments: International Relations Department and Assets Appraisal Department

Human Resource Total staff of 2.722 (30/09/2006), including 93% university graduates, with regular training at ACB Training Center Technical Assistance on staff operation by IFC conducted by Far East Bank & Trust Company (FEBTC - Phillipines) (1998-1999) Bank Management courses for top managers at Bank Training Center Strategy Simple Rule Strategy and Competitive Strategy of Differentiation Focus on Consumers and SMEs Operating Principles One unique ACB Continuous innovation Stakeholders’ interests harmonized Core Value Customer care, innovation, integrity and excellence Operating Process In accordance with ISO 9001:2000 standard Technology Banking Software The Complete Banking Solution (TCBS) from Open Solutions Inc ("OSI") Reuters Financial Services Reuters Monitor and Reuters Dealing System International card organizers Member of VisaCard and MasterCard Co-branded Cards Saigontourist, Saigon Co-op, Mai Linh Taxi, Viettravel, Citimart Bancassurance Prudential, AIA Independent Audit PriceWatherhouseCoopers (PWC) Technical assistance FC support (USD 575,000) on Management & Administration (2003 – 2004) SCB ongoing five-year total assistance (from 2005-start) Credit Ratings Fitch Ratings: Individual (D), Support (5) Achievements ACB: A Strong Bank in Viet Nam, The Asian Wall Street , 1998 Regional Agent of the Year, Western Union, 1997 and 1998 The Best Bank in Vietnam, Global Finance Magazine (USA), 1999 One of the Top Five Hundred Banks in Asia, Asiaweek, 2001 Viet Nam Quality Award, 2002 ISO 9001:2000 Certificate, SGS & UKAS (U.K) & ANSI-RAB (USA), 2003 Certificate of Merit, HCMC People’s Committee, 2003 Certificate of Merit, Prime Minister, 2002 and 2003 Asia Pacific Quality Award, 2003 Bank of the Year, The Banker, 2005 Excellence in Retail Financial Services, The Asian Banker, 2006 Best bank in Vietnam, Euromoney, 2006