EIB: Explanation for profit of Quarter 4/2013

Vietnam Export Import Commercial Joint Stock Bank (Eximbank) explained fluctuations in business results of Quarter 4/2013:

-          Financial Statement in Quarter 4/2013 of parent company:

	Unit	Quarter 4/2012	Quarter 4/2012	2013	2013	Rate (%)
Profit after tax	Million dongs	-222,990	311,842	651,648	2,117,290	-69.22

-          Consolidated Financial Statement in Quarter 4/2013:

	Unit	Quarter 4/2012	Quarter 4/2012	2013	2013	Rate (%)
Profit after tax	Million dongs	-221,618	313,277	657,966	2,138,655	-69.23

Reason:

-          Eximbank decreased loan interest rates, leading net revenue decreased 42.3%.

-          Eximbank made a provision for credit losses: VND81 billion

-          Accounting losses from closing business gold in the first half of 2013: VND180 billion

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