On 28 June 2019, the placement of VND100 billion of 7-year bonds and VND100 billion of 10-year bonds was carried out. The bonds are non-convertible, non-warranted, non-guaranteed, denominated in VND, subordinated debts and satisfy current regulations to be calculated in BIDV tier-2 capital.

Tenor of 7-year bonds is 07 years non-call 2, and that of 10-year Bonds is 10 years non-call 5.

Floating interest rates are calculated as below:

- 7-year bonds: Interest rate = Reference Rate + 1.1% per year

- 10-year bonds: Interest rate = Reference Rate + 1.2% per year

Reference Rate is the average of 12-month interest rates for individual saving deposits in VND of 04 Vietnamese commercial banks including BIDV, Vietinbank, Vietcombank and Agribank on the Coupon Determination Date.

If BIDV does not redeem all the Bonds at Call Option Date, interest rate will be determined as follows:

- 7-year bonds: Interest rate = Reference Rate + 3.6 % per year

(Interest rate for the 1st coupon payment: 7.93% per year)

- 10-year bonds: Interest rate = Reference Rate + 2.2 % per year

(Interest rate for the 1st coupon payment: 8.03% per year)