BVH: Explanation forconsolidatedand parent company business result in Q3, 2013

Bao Viet Holdingsexplained business result in Q3/2013 compared to Q3/2012 as follows:

By: Million VND

Item	Q3			Accumulated to Q3
	9 months of 2013	9 months of 2012	Difference (%)	9 months of 2013	9 months of 2012	Difference (%)
Profit after tax in single-entity financial statement	212,848	101,101	110.53	811,321	690,158	17.56
Profit after tax in consolidated financial statement	315,086	279,079	12.9	867,9	1,024,227	-15.26

-         Profit after tax in single-entity financial statement in Q3/2013and the cumulative profit in 9 months of 2013 in single-entity financial statement increased by 110.53% and 17.56% respectively compared to the same period of 2012 because the parent company was reversed a provision.

-         Profit after tax in consolidated financial statement in Q3/2013 increased by 12.09% because insurance activity grew slightly and financial expenses decreased significantly. However, profit after tax in the first 6 months of 2013 decreased considerably, the cumulative consolidated profit in 9 months of 2013 decreased by 15.26% compared to the same period of 2013.

HOSE

>   KDH: Explanation forconsolidatedand parent company business result in Q3, 2013 (19/11/2013)

>   JVC: Explanation forconsolidated business result in Q2,2013 and Q3, 2013 (19/11/2013)

>   SRF: Explanation forconsolidated business result in Q3, 2013 (19/11/2013)

>   PVA: Financial Statement Quarter 3/2013 (Consolidated) (19/11/2013)

>   PVX: Financial Statement Quarter 3/2013 (holding company) (19/11/2013)

>   PVX: Financial Statement Quarter 3/2013 (Consolidated) (19/11/2013)

>   PSG: Financial Statement Quarter 3/2013 (holding company) (19/11/2013)

>   LTC: Financial Statement Quarter 3/2013 (consolidated) (19/11/2013)

>   PSG: Financial Statement Quarter 3/2013 (Consolidated) (18/11/2013)

>   CAN: Change in the Business Registration Certificate (18/11/2013)