Bond of Bac A Commercial Joint Stock Bank (BABL2330004)

BAB12311

VN0BAB123116

1,000,000,000 VND

Floating Interest Rate = Reference interest rate + 2.8%/year In case the Issuer does not implement the buyback clause, the bond interest rate applied for the 6th and 7th year interest periods is as follows: Interest rate = Reference interest rate + 3.8%/year “Reference interest rate”: Used to determine the interest rate for each interest period, is the average interest rate on regular personal savings deposits in Vietnam Dong , interest payment at the end of the term, 12-month term is announced on the official websites of 04 Vietnamese commercial banks including: Joint Stock Commercial Bank for Industry and Trade of Vietnam, Joint Stock Commercial Bank for Investment and Development of Vietnam , Joint Stock Commercial Bank for Foreign Trade of Vietnam, Vietnam Bank for Agriculture and Rural Development (each of these banks is called "Reference Bank") at 17:00 on the day of interest rate determination. “Interest rate determination date”: Bond interest rates are adjusted periodically every 12 months. For the first interest period, the interest rate determination date is the working day 02 business days before the starting date of the interest period. For subsequent interest periods, the interest rate determination date is the working day 07 business days before the starting date of the interest period.

30/10/2023

30/10/2030

200 Bond

200,000,000,000 VND

Bond redemption before maturity

16/12/2025