These bonds are non-convertible, non-warranted and non-guaranteed, denominated in Vietnamese Dong, establishing the direct debt repayment obligations, being subordinated debts of the Joint Stock Commercial Bank for Investment and Development of Vietnam, and meeting the current regulations to be calculated in BIDV’s tier 2 capital.

The interest rates are calculated as follows: the Reference Rate (which is the average of 12-month interest rates for individual savings deposit denominated in Vietnamese Dong with interest paid at maturity of 4 banks including Agribank, Vietinbank, BIDV and Vietcombank on the Rate Determination Date for such specific coupon payment period), plus 1.1%/p.a.

The call option date will be two years from the issue date, falling on 31 July 2021.

If the issuer does not redeem the bonds on the call option date, the rate will be the Reference Rate + 3.6%/year applicable for the last 2 years of the bond term.

The applicable interest rates for the first coupon payment is 7.95%/year