HDBL2229006 Bond

HDB12225

VN0HDB122259

1,000,000,000 VND

Floating, determined according to the regulations below: + Interest rates applied to the interest payment period of the first year, second year, third year, fourth year and fifth year will be determined as follows: Interest rate = Reference interest rate (*) + margin of 1.8%/year + In case the Issuer does not redeem/right to request redemption of bonds before maturity, the bond interest rate applies to the payment period Calculate interest for the sixth and seventh years as follows: Interest rate = Reference interest rate (*) + margin of 2.4%/year (*) “Reference interest rate”: Used to determine the interest rate for each period Interest payment is the average interest rate on regular personal savings deposits in Vietnam Dong, 12-month term, with interest paid at the end of the term announced on the official electronic information pages (websites) of 04 commercial banks. Vietnam Commercial Joint Stock Bank for Industry and Trade includes: Vietnam Joint Stock Commercial Bank for Industry and Trade, Vietnam Joint Stock Commercial Bank for Investment and Development, Vietnam Joint Stock Commercial Bank for Foreign Trade, Vietnam Bank for Agriculture and Rural Development (each of these banks is referred to as “Reference Bank”) at the date of interest rate determination. In case the website shows multiple locations/areas, priority will be given to interest rates in the area where those reference banks have their headquarters. For clarity, the reference interest rate, if not an integer, will be rounded to four decimal places. Interest rate applicable for the current interest payment period (from July 14, 2023 to July 14, 2024): 8.10%/year

14/07/2022

14/07/2029

100 Bond

100,000,000,000 VND

All bonds are redeemed before maturity

23/10/2024