Southern Bank

INTRODUCTION

Southern Bank is a leading retail bank among commercial jont stock banks in Vietnam. As of today, Southern Bank has a charter capital of 1.290 billion VND, making itself the third largest commercial joint stock bank in Vietnam. Southern Bank has 52 branches (58 branches in first quarter of 2007 as planned) and total assets of 9,400 billion VND up to 31st January, 2007. MISSION STATEMENT Southern Bank will become the leading commercial bank in Vietnam. • Provide the best services to our customers • Bringing more benefits to share holders BECOMING A MORE COMPETITIVE BANK IN VIETNAM Strategy • Leverage our retail branch distribution capabilities to capture growing segment of personal financial services for urban middle class population • Capitalize on our local knowledge of SMEs in fastest growing key economic zones to serve Asian-based client . • Supplement organic growth with inward investments from strategic partners to achieve scale, build distribution, product capability and risk management skills. • One of 6 banks with Gold trading license-pending approval CHARTER CAPITAL GROWTH Our robust increase in charter capital let us expand our business more efficiently TOTAL ASSETS Assets grow in line with our network strategy We own branches in key locations like Ho Chi Minh City and continue to leverage our strong presence in these areas PRODUCTS By Customer Segmentation Individuals • Current accounts • Saving accounts • Housing loans • Education loans SME • Current accounts • Saving accounts • Trade finance • Loan finance • Factoring • Payroll Other • ATM • Safe box • Gold trading • Remittance • Currency exchange AWARDS IN 2006 • Receiving the iso 9001:2000 certificate issued by BVQI (theU.K) • In Recognition of Achieving a High Straight Through Rate for Payment Processing at Wachovia Bank N.A, New York in the Year 2006 by Wachovia Bank • Famous Brand voted by Vietnamese consumers (organized by ACNielsen)