<p> SHB: Corporate Governance Report (2015)</p><p>CORPORATE GOVERNANCE REPORT (2015)</p><p>Company: Sai Gon - Hanoi Commercial Joint Stock Bank Address: No. 77, Tran Hung Dao Str., Tran Hung Dao Ward, Hoan Kiem Dist., Ha Noi Tel.: 04.3942.3388 Fax: 04.3941.1086 Website: shb.com.vn Charter capital: VND 9,485,944,610,000 Stock code: SHB I. BOD Activities (2015) Meetings: No. Members of BOD Title Attendance Rate Reasons for not attending 1 Mr. Do Quang Hien Chair of the Board 4/4 100 % 2 Mr. Nguyen Van Le Director cum 4/4 100 % General Manager 3 Mr. Tran Ngoc Linh Director 3/4 75 % Busy and authorized Chair of the Board 4 Pham Ngoc Tuan Director 4/4 100 % 5 Do Quang Huy Director 4/4 100 % 6 Le Quang Thung Independent 4/4 100 % Director</p><p>II. Board Resolutions (first 6 months of 2015) No. Board Resolution No. Date Content 1 01/NQ-HDQT 26/02/2015 Change name of Tu Son SHB Branch 2 02/NQ-HDQT 23/03/2015 Holding the 23rd Annual General Meeting of Shareholder Change the location of head office of SHB Lam Dong 3 03/NQ-HDQT 27/03/2015 Branch Nominate personnel to Supervisory Board in term 2012- 4 04/NQ-HDQT 08/04/2015 2017 5 05/NQ-HDQT 08/05/2015 Approve the method of issuing bond 2015 6 06/NQ-HDQT 25/05/2015 Convert the Saving Fund into Transaction office of SHB 7 07/NQ-HDQT 27/05/2015 Issue share to implement dividend payment 2014 Terminate the operation of 06 branches to establish the 8 08/NQ-HDQT 25/06/2015 correlative branches 9 09/NQ-HDQT 25/06/2015 Establish 31 transaction offices of SHB in 2015 10 10/NQ-HDQT 25/06/2015 Establish the representative office of SHB in Myanmar 25/06/2015 Apply the remuneration to Ms. Nguyen Thi Hoat, member of 11 11/NQ-HDQT SB 12 12/NQ-HDQT 30/07/2015 Change the address of Hanoi Southwest Branch 31/07/2015 Supplement bank guarantee activity into Operational 13 13/NQ-HDQT License of SHB 03/08/2015 Dismiss Mr. Le Quang Thung from independent member of 14 14/NQ-HDQT Board of Directors 15 15/NQ-HDQT 12/08/2015 Change the address of Quang Ngai branch 16 16/NQ-HDQT 12/08/2015 Change the address of Ca Mau branch 17 17/NQ-HDQT 28/08/2015 Identify type of deposited securities 17/09/2015 Hold the 2015 extraordinary general meeting of 18 18/NQ-HDQT shareholders 19 19/NQ-HDQT 05/10/2015 Change the address of Da Nang branch 20 20/NQ-HDQT 19/10/2015 Change the address of Long An branch 21 21.1/NQ-HDQT 20/11/2015 Transform Savings Fund into Trading Room 15/12/2015 Establish Champasak branch directly under Saigon Hanoi 22 21/NQ-HDQT Laos Limited Bank 15/12/2015 Approve changing the plan of issuing bonds with the term of 23 22/NQ-HDQT 3 years 24 23/NQ-HDQT 15/12/2015 Approve supplementing the 2015 bond issuance plan</p><p>II. Change in connected persons/ institutions No. Name of connected Trading Position of Date to Date no Reasons persons/institutions account PDMR at the become longer (if any) company (if any) connected connected persons/ persons/ institutions institutions 1 Hoang Thi Minh Member of 05/2012 04/2015 Dismissed Supervisory Board Hoang Cong Can 05/2012 04/2015</p><p>Cao Thi Thanh Thuy 05/2012 04/2015</p><p>Hoang Thi Du 05/2012 04/2015</p><p>Hoang Cong Huan 05/2012 04/2015</p><p>Hoang Thi Thanh 05/2012 04/2015</p><p>Hoang Thi Hoa 05/2012 04/2015</p><p>Vu Dinh Hoan 05/2012 04/2015 Vu Thi Cam Chi 05/2012 04/2015</p><p>Vu Ngoc Chi 05/2012 04/2015</p><p>2 Nguyen Thi Hoat Member of 04/2015 Elected Supervisory Board Nguyen Quang Huy 04/2015</p><p>Nguyen Ngoc Han 04/2015</p><p>Nguyen Van Hieu 04/2015</p><p>Luong Thi That 04/2015</p><p>Nguyen Chi Linh 04/2015</p><p>3 Le Quang Thung Independent 05/2012 08/2015 Dismissed member of BOD Le Quang Hoa 05/2012 08/2015</p><p>Nguyen Thi Nhon 05/2012 08/2015</p><p>Nguyen Thi Ngat 05/2012 08/2015</p><p>Le Thi Kim Anh 05/2012 08/2015</p><p>Le Kim Yen 05/2012 08/2015</p><p>Le Quang Vinh 05/2012 08/2015</p><p>IV. Transactions of PDMRs and connected persons/ institutions 1. List of PDMRs and connected persons No. Name Trading Position of PDMR Shareholdi Shareholding Note account at the company (if ng at the percentage at (if any) any) end of the the end of the term term 1 Do Quang Hien Chair of the 28,556,346 3.010 % Board 2 Do Dang Thanh 3 Le Thi Thanh</p><p>4 Le Thanh Hoa</p><p>5 Do Vinh Quang</p><p>6 Do Quang Vinh</p><p>7 Do Thi Thu Ha 21,356,237 2.251 %</p><p>8 Do Thi Minh 5,350,000 0.564 % Nguyet 9 T&T Group 103,819,81 10.944 % 6 10 Sai Gon - Ha Noi 16,083,745 1.695 % Securities Co., 11 SHF 776,759 0.088 %</p><p>12 Nguyen Van Le Director cum 2,356,337 0.248 % General Manager 13 Nguyen Van Tong</p><p>14 Duong Thi Nganh</p><p>15 Vu Thi Le Quyen 319,116 0.034 %</p><p>16 Nguyen Vu Phuong Vy 17 Nguyen Minh Khai</p><p>18 Nguyen Van Khoa</p><p>19 Nguyen Ngoc 236,930 0.025 % Phung 20 Nguyen Thi Phuong 21 Tran Ngoc Linh Member of BOD 2,066,609 0.218 %</p><p>22 Tran Dang Khoa</p><p>23 Nguyen Thi Nhi</p><p>24 Pham Thi Mien</p><p>25 Tran Buu Lam 55,391 0.006 % 26 Tran Thi Hoang 22,042 0.002 % Kim 27 Tran Ngoc Luu 48,912 0.005 %</p><p>28 Tran Thi Hoang 30,315 0.003 % Giang 29 Tran Thi My 2,303 0.000 % Phuong 30 Tran Thi Hoang 1,942 0.003 % Lan 31 Tran Thi Xuan Trinh 32 Tran Van Binh 25,064 0.003 %</p><p>33 Tran Ba Thong</p><p>34 Tran Thi Ca</p><p>35 Tran Thi Hoa</p><p>36 Tran Thi Huong</p><p>37 Do Quang Huy Member of BOD</p><p>38 Nguyen Phuong Thom 39 Le Thi Lan Huong</p><p>40 Do Quang Dat</p><p>42 Do Kim Oanh</p><p>43 Do Quang Thai</p><p>44 Pham Ngoc Tuan Member of BOD 2,177 0.000 %</p><p>45 Pham Van Phao</p><p>46 Trinh Thi Ty</p><p>47 Pham Xuan Ky</p><p>48 Pham Thuy Anh</p><p>49 Pham Ngoc Quan 50 Tran Kim Khanh</p><p>51 Pham Manh Duc</p><p>52 Pham Ngoc Lam</p><p>53 Le Quang Thung Independence Member of BOD 54 Le Quang Hoa</p><p>55 Nguyen Thi Nhon</p><p>56 Nguyen Thi Ngat</p><p>57 Le Thi Kim Anh</p><p>58 Le Kim Yen</p><p>59 Le Quang Vinh</p><p>60 Pham Hoa Binh Chief of 69,145 0.007 % Supervisory Board 61 Pham Van Lac</p><p>62 Nguyen Thi Hai</p><p>63 Pham Thi Loan</p><p>64 Pham Truong Son</p><p>65 Pham Ngoc Thu</p><p>66 Pham Hong Phuong 67 Nguyen Kim Hoang</p><p>68 Pham Ngoc Hoang Lan 69 Nguyen Huu Duc Deputy Chief of Supervisory Board 70 Nguyen Huu Nhiem</p><p>71 Dang Thi No 72 Nguyen Huu Cho</p><p>73 Nguyen Huu Dang</p><p>74 Nguyen Thi Nu</p><p>75 Nguyen Thi Bup</p><p>76 Bui Thi Thanh</p><p>77 Nguyen Duc Minh</p><p>78 Nguyen Huyen Chi</p><p>79 Hoang Thi Minh Member of Supervisory Board 80 Hoang Cong Can</p><p>81 Cao Thi Thanh Thuy 82 Hoang Thi Du</p><p>83 Hoang Cong Huan</p><p>84 Hoang Thi Thanh</p><p>85 Hoang Thi Hoa</p><p>86 Vu Dinh Hoan</p><p>87 Vu Thi Cam Chi</p><p>88 Vu Ngoc Chi</p><p>89 Bui Thanh Tam Member of Supervisory Board 90 Bui Van Cam</p><p>91 Ly Thi Ha</p><p>92 Bui Van Tuan</p><p>93 Bui Ngoc Mai 94 Bui Van Hai</p><p>95 Bui Van Khanh</p><p>96 Bui Thanh Binh</p><p>97 Bui Thanh Minh</p><p>98 Vo Thi Thuy Van</p><p>99 Bui Vo Anh Khoi</p><p>100 Bui Vo Bao Kha</p><p>101 Dang Trung Dung Deputy General 84,103 0.009 % Manager 102 Dang Minh Man</p><p>103 Dang Thi Canh</p><p>104 Thai Thi Thanh Binh 105 Dang Thai Son</p><p>106 Dang Thai Dan Le</p><p>107 Dang Thi Tuyet Mai</p><p>108 Dang Thanh Hung</p><p>109 Le Dang Khoa Deputy General Manager 110 Nguyen Hong Hanh</p><p>111 Le Trong Khue</p><p>112 Le Trung Kien</p><p>113 Ha Thi Hong</p><p>114 Le Trong Khoi</p><p>115 Le Huong Giang</p><p>116 Ngo Thu Ha Deputy General 912,173 0.096 % Manager 117 Nguyen Tuan Hung 118 Ngo An Uy</p><p>119 Tran Thi Thoa</p><p>120 Ngo Trung Dung</p><p>121 Nguyen Ha Minh</p><p>122 Nguyen Ha Minh Ngoc 123 Ninh Thi Lan Deputy General 45,540 0.005 % Phuong Manager cum Chief Accountant 124 Ninh Van Viet</p><p>125 Luu Thi Suu</p><p>126 Ninh Lan Huong</p><p>127 Pham Thanh nam 33,030 0.003 %</p><p>128 Pham Thuy Linh</p><p>129 Pham Ngoc Hung</p><p>130 Dang To Loan Deputy General 725,671 0.076 % Manager 131 Dang Van Long</p><p>132 Pham Thi Mui</p><p>133 Dang Sy Lam</p><p>134 Dang Sy Luan</p><p>135 Dang Hoa Ly</p><p>136 Vo Gia Linh</p><p>137 Nguyen Huy Tai Deputy General Manager 138 Nguyen Viet Luong</p><p>139 Tran Thi Hue</p><p>140 Nguyen Huy Thanh 141 Nguyen Thi Minh Hai 142 Nguyen Thi Thu Hien 143 Pham Thi Nguyet</p><p>144 Nguyen Dien Thao</p><p>145 Nguyen Thanh Huy</p><p>146 Ngo Thi Van Chief Accountant 2,333 0.000</p><p>147 Nguyen Huu Dong</p><p>148 Nguyen Thi Van Anh 149 Nguyen Huu Luu Phuc 150 Ngo Dang Lam</p><p>2. Transactions of PDRM: 3. Other transactions V. Other contents</p>