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Baoviet Holdings IR Newsletter April 2014

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The AGM had unanimously approved a number of key contents, including: Report on 2013 Business performance & 2014 Business target; Report on remuneration policy for Board of Directors and

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(Hanoi, Vietnam): April 24th 2014, Annual General Meeting of Shareholders 2014 (AGM) of Baoviet Holdings was succesfully held at Melia Hotel The AGM had unanimously approved a number of key contents, including: Report on 2013 Business performance & 2014 Business target; Report on remuneration policy for Board of Directors and Supervisory Board; Proposal on 2013 PAT allocation and dividend payment; Proposal on increasing chartered capital of Baoviet Holdings

Baoviet Holdings AGM 2014 approved the cash

dividend payout ratio of 15% per par value.

Ensuring the benefit for shareholders with cash dividend payout ratio of 15% per par value

In 2013, Baoviet Holdings maintained its steady growth, fulfilled the target plan as approved by the Annual General Meeting of Shareholders (AGM), contributing towards cementing a solid foundation for the implementation of our sustainable development strategy

Consolidated business performance

 Total Consolidated revenue of the group reached VND17,096 billion, an increase of 6.8% compared to 2012; Consolidated profit after tax was 1,234 billion

 Total assets as at 31/12/2013 peaked at VND55,093 billion, an increase of VND8,868 billion and 19.2% growth against 2012; the total owner’s equity reached VND12,125 billion

 Key business lines achieved positive results: Number 1 in non-life insurance with 23.1% market share by total premium; Number 2 in life insurance with total premium rose 21% y/y, New business premium reached VND1,596 billion (AFYP), grew by 24% y/y Other business lines such as securities, fund management, banking, property management achieved steady growth, shaping a solid foundation for Baoviet to continue the

development in the period 2014 - 2015

Mr Le Quang Binh, Chairman of the Board of Directors

delivered an opening speech and chaired the AGM

Updates on 2014 Annual General Meeting of Sharehold ers

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Mr Duong Duc Chuyen – Chief Executive Officer made

commitments on delivering the development strategy as

approved by the AGM

Baoviet Holdings (The Parent Company)

 Total revenue of the Parent company reached VND1,352 billion; Profit after tax achieved VND1,104 billion, an increase of 2.1% y/y, fulfilled 100.1% of the 2013 target

 Return on the charter capital of the Parent company reached 16,2%, ensuring a cash dividend payout ratio of 15% per par value (VND1,500/share), equivalent to VND1,021 billion, or 92.43% of profit after tax, enabling Baoviet ensure benefits for customers, investors and employees

Increasing chartered capital through private placement

With a view to investing in long–term projects to exploit the Vietnamese untapped potential financial market, enhancing competiveness and improving quality of customer services, Baoviet Holdings plans to increase its chartered capital to enhance investment in core businesses including non-life insurance, life insurance and other financial services and investment in infrastructure and technologies to become a

leading financial group in VietNam

 Number of shares issued: from 40 million shares to 61.5 million shares

 Estimated capital increase: from VND400 billion to VND615 billion The total chartered capital

is expected to increase to an amount from VND7,205 billion to VND7,420 billion respectively

 Number of investors: offered to 1 to 3 investors who meet the following criteria:

 Having strong financial capabilities, reputation and brand to reinforce BaoViet brand on the market;

 Having capabilities to support BaoViet Holdings in one or a number of areas including: Corporate Governance, Non-life Insurance, Financial Services (banking, securities and fund management), Investment, Risk Management, Market Expansion, New Product Development, etc

 Principles of valuation: pursuant to the agreement by and between Baoviet and the investor

with market-price-based principles (i.e BVH listed on HOSE) and the book value at the last

quarterly closing session

 Restrictions for transferring shares: pursuant to the agreement by and between Baoviet and the investor but not less than the period of time as required by law

 Date of issuance: prior to 31 March 2015

The AGM have approved the BOD’s submission on increasing the chartered capital and authorized the BoD to develop and implement an elaborated plan to use the amount of additional capital raised through the private placement Accordingly, Baoviet shareholders agree to waive their priority rights to buy the additional shares offered to the potential investors who meet the above requirements

2014: Baoviet – All for your beliefs

The emphasis on Baoviet’s strategy in 2014 will be issues related to the implementation of sustainable development strategy The key message "All for your beliefs" was selected to show its commitment to

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accompany and support our customers, partners and shareholders for the beliefs in the success, happiness and prosperity

In 2014, Baoviet Holdings has set out the business targets as follows:

 Consolidated: Total consolidated revenue reaches VND18,329 billion, up by 7.2% against 2013; Profit before tax and Profit after tax are expected to reach VND1,500 billion and VND1,183 billion respectively

 Parent company: Total revenue grows by 4.7% to VND1,416 billion; Profit after tax reaches VND1,120 billion, returns on chartered capital is expected to reach 16.5%

Baoviet will implement its development strategy set out till 2015 by focusing on:

 Streamlining its corporate governance model aligned with international standards;

 Strengthening its financial capacity to enhance competitiveness: increase the chartered capital for the parent companies and its subsidiaries;

 Implementing business model transformation by improving productivity and professionalism;

 Accelerating new product development, service quality, diversifying distribution channels;

 Enhancing cross-selling to maintain and expand market share in order to meet the expectations of customers and investors

******

* Note: All figures above are according to Vietnam Accounting Standards unless otherwise stated, and are pre-reviewed

DISCLAIMER

This document has been prepared by Baoviet Holdings for the purpose of providing certain information in respect of Baoviet’s business activities in the period stated This document may contain certain forward-looking statements with respect to the financial condition, results of operations and business of Baoviet Holdings, its subsidiaries and the general market environment

These forward-looking statements represent Baoviet’s expectations or beliefs concerning future events and involve known and unknown risks and uncertainty that could cause actual results, performance or events to differ materially from those expressed or implied in such statements This document, which is not for public circulation, must not be copied, transferred or the content disclosed to any third party and is not intended for use by any person other than the addressee

For further information, please kindly contact:

Ms Ly Thi Thanh Thuy

Investor Relations Manager

Baoviet Holdings

Tel: (+84 4) 3928 9999 (Ext: 337)

Mb: +84 (0) 912 443 486

Email:investorbvh@baoviet.com.vn

lythithanhthuy@baoviet.com.vn

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