1. MORTGAGE SECURED LOAN Performance by Group 4 1. LÂM BỬU CHÂU 2. TRƯƠNG HẠNH DUYÊN 3. LÂM HẢI NGUYÊN 4. BÙI TRUNG KIÊN 5. HỒ LÊ THIỆN TÂM 6. LÊ THANH TRÚC

2. OVERVIEW – ANZ BANK Established: 1838 in Sydney Australia Asset: 239 billion USD Employee: More than 48.000 people Position: among the top 50 banks in the world. Branch in VN: HN 1993 and HCM 1996 - 2005: Launches strategic alliance with SACOMBANK, Vietnam(10%) - 2008: Receives license for incorporation in Vietnam - More than 9 braches - Awards: From Finance, Finance Asia, CFO magazine Current Problem: - The Application for MORTGAGE SECURED LOAN decreased significantly to 200 - FUM (fund under management) of loan amount drawdown fell to 58% compared to previous month

3. ENVIRONMENT - INDUSTRY ENVIROMENT Outside Factor - View of government in building and developing in bank market - The Impact after joining World Trade Organization Inside Factor awareness of customers, human resources quality and so (on) INDUSTRY Foreign Bank: HSBC, Standard Character, Common Wealth Local Bank: Vietcombank, Agribank, ACB

4. MORTGAGE SCURED LOAN Home loan Tenor: 5-20 years Investment loan Age: 18-65 years old Equity loan Some conditions about salaries, mortgage.

5. The revenue from ANZ mortgage of ANZ will be reduced The drawdown FUM significantly decreased Number of applications submitted down Internal-lending conditions External - circular 13/2010/TT-NHNN

6. STATISTIC OF APPLICATIONS OF ANZ FINAL 6 MONTHS IN 2010 07/2010: 401 08/2010: 444 09/2010: 425 10/2010: 353 11/2010: 238 12/2010: 302

7. DRAWDOWN FUM 07/2010: 2.285.026 USD 08/2010: 2.778.205 USD 09/2010: 2.542.327 USD 10/2010: 1.935.218 USD 11/2010: 1.715.786 USD 12/2010: 1.902.583 USD

8. IMPACT OF CIRCULAR 13/2010/TT-NHNN difficult for increasing money creativity have tightened the dong liquidity   Increasing the CAR (Capital Adequacy Ratio) from 8% to 9% CAR = Equity capital / risk weighted assets Lending rate does not exceed 80% of mobilized capital

9. IMPACT FROM INTERNAL POLICY ANZ Mortgage Credit Policy is criticized too strict for Vietnamese Customers ANZVietcomViettinSacomACB Minimum Income (for living expense) VND 6 - 9 milVND 3 - 6 mil Accepted Incomes & Documents required Salary, rental and business income in HA NOI & HCMC only + Note: (1) internal financial report is not accepted. (2) salary must be supported by bank statement, if not PIT declaration is required. Any legal income. In case, there's no certified documents, bankers are to go site visit to assess the income Coverage AreaHA NOI & HCMCAll over Vietnam Security + Only red/ pink book/limited sales contract. + Minimum value required is USD 40,000 + Also accept others beside houses/land / apartment such as certificate of deposit, Gold, Bond… + No minimum value is required

10. Customer Promotion Offer:  Discount 2%per annual for the first 6 months from the first date of drawdown if security is red/pink book  Discount 1.5%per annual for the first 6 months if security is sales contract Direct email: Purpose: attract new customers BELOW THE LINE MAKETING IMPLEMENTATION

11. TV : HTV / VTV Radio: FF99, Print ads: standees at branches Web banners: Vnexpress, dantri News papers : Thanh Nien, Tiep Gia Dinh,SG Doanh Nhan  Purpose: Inform the promotion program Building more awareness A BOVE THE LINE

12. 32 inches Samsung LCD 32 G Ipad Incentive $ 20 Staff Referrals Best sales prize

13. OUR RECOMMENDATION The campaign should be applied for existing customers if they are qualified with below conditions: Good repayment history LVR (lending value ratio) less than 10%. Stable and clear income