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Bank has robust credit rating processes in place Rating Procedures 1 Information collection and scoring information submission (implemented by customer relationship staffs) 1 Scoring and rating customers (implemented by Risk Management Staffs) 2 Reviewing and checking scoring and rating results (implemented by Heads of Risk Management Department) 3 Approving the scoring and rating results (implemented by the competent levels) 4 Completing scoring and rating documents 5 Following-up and observing any fluctuation/changes of the scoring and rating results (implemented by Risk Management Department at the Head Office) 6 Recording & Filing documents 7 1 For corporates, individuals and household customers and financial Institutions

Credit Risk Management Policy (CRMP) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],To achieve credit expansion required for sustaining the profitability of the Bank with an emphasis on quality assets, profitable CRMP Philosophy CRMP Objectives CRMP Principals To optimize the balance between expected income and credit risk with an emphasis on competition advantages; to ensure measures, control/insurance of risks

Credit Risk Management ,[object Object],[object Object],[object Object],[object Object],Credit risk management framework Clear risk strategy Credit activities supervised on regular basis Adequate and clear system of credit policies, procedures ,[object Object],Internal credit rating system ,[object Object],Risk warning system ,[object Object],Effective credit report and information system

Liquidity Risk Management Process ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Diversified funding sources “ Emergency” funds Dedicated Alco Planning and Supporting Department to managing risks Open market transactions to ensure liquidity position is maintained ,[object Object],Credit lines with other banks ,[object Object],Software upgrades VietinBank has proactively reserved secondary liquidity sources across Government Bonds, Treasury bills, Corporate bonds, Credit Institution bonds etc.

Operational Risk Management Procedure ,[object Object],[object Object],[object Object],SAS Oprisk Monitor ,[object Object],Be responsible as an independent risk management section Analyse the process of handling works Supervise & Control Manage potential market risks & solution plan Define risks & control methods Evaluate Results of the control methods Report risk accidence & loss Key risk indicator RCSA – Risk & Control Self Assessment LDC – Loss Data Collection KRI – Key Risk Indicator

Market Risk Management ,[object Object],[object Object],[object Object],[object Object],[object Object],Realize and define Market risks Realize and determine market risks Measure Supervise and control Prevent and minimize market risks 1 2 3 4 Internal Reporting System Specific market risk management procedure Market Risk Management Tools

Interest Rate Risk Management Process ,[object Object],[object Object],[object Object],[object Object],Investments ,[object Object],Fund mobilization and utilization ,[object Object],[object Object],Lending activities ,[object Object],[object Object],[object Object],Inspection and monitoring regulations

Currency Risk Management Process ,[object Object],[object Object],[object Object],[object Object],Limitation systems ,[object Object],[object Object],Alco Planning and Supporting Department ,[object Object],Well managed subsidiaries ,[object Object],Lending preferences ,[object Object],FX funding lines

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