CORPORATE BOND

INVESTMENT

v SAFETY
v FLEXIBILITY
v HIGH YIELD

Issuer

Hanaro Vietnam Limited Company

Par Value

VND 1 million

Tenor

3 months to 12 months

Yield

Competitive and flexible

SAFETY
Hanaro bonds are a secured bond investment: 1 Hanaro bond (par value of VND1 million) is secured by 1
registered Certificate of Deposit (par value of VND1 million) from VPB Finance Company
Investors have a put option to sell HANARO bonds to VPBS at any time

FLEXIBILITY
No limit to the investment amount
Flexible tenors: 3, 6, 9, or 12 months
Investors can redeem the bonds with VPBS at any time, in whole or in part, at competitive yields
Investors are provided with value-added brokerage services at VPBS

HIGH YIELD
Yields of Hanaro bonds are 21%-33% higher than the average deposit rate of large banks in the market at
the same tenors. Maximum yield can reach 8.10% per annum
Yields are also adjusted upward corresponding to any increase in the average deposit rate of referenced
banks
Personal income tax and transfer fees are borne by VPBS

Tenor

Net Yield (% p.a.)

3 months

6.00% p.a.

6 months

6.80% p.a.

9 months

7.70% p.a.

12 months

8.10% p.a.

About VPB FC

About VPBS

VPBank FC is a non-bank institution and a

VPBank Securities (VPBS) is now one of the largest

subsidiary of VPBank, which is a member of G7

securities firms in Vietnam with total assets of VND

and one of the leading retail banks in Vietnam.

3,000 billion and owners equity of VND 1,000 billion.

VPBFC offers great advantages in consumer

VPBS has won a number of highly-acclaimed awards

finance thanks to strong support from VPBank:

locally and internationally, including:

Sound risk management and modern IT

infrastructure

Alpha Southeast Asia magazine (2015)

Market leader in installment loans and

motorbike loans, with 45% market share

Widespread distribution channels with

Chosen as a select member of IMAP Global

M&A Advisor network (2014)

National winner from Vietnam, and overall 2nd

over 2,000 selling locations for installment

runner-up, of the Most Admired ASEAN

loans and 4,000 employees

Enterprise award from the ASEAN Business

Management

team

comprises

highly

Advisory Council at the ASEAN Business

skilled and competent professionals who

have experience in consumer finance and

Awards (2014)

retail banking. Mr Kalidas Ghose, CEO,

has 25 years experience and has been a
around the world.
As of 31 May 2015, total assets were
VND 11,000 billion and loans outstanding
more than VND 10,000 billion. 5M2015
profit was VND 395 billion.

Outstanding Securities Firm award from Hanoi

Stock Exchange (2014, 2013)

top executive at leading credit institutions

Best Investment Bank in Vietnam award from

Best Bond House in Vietnam award from Alpha

Southeast Asia magazine (2014)

Best Debt Capital Market House in Vietnam

award from Finance Asia magazine (2014)

Advisory Firm of the Year by M&A Forum

Vietnam (2014).

VIETNAM PROSPERITY JOINT STOCK BANK SECURITIES COMPANY LIMITED (VPBS)

HO: 362 Hue Street, Hai Ba Trung District, Hanoi City, Vietnam | Tel: +844.3974.3655 | Fax: +844.3974.3656
Ho Chi Minh Branch: 3rd Floor, 76 Le Lai St., Dist.1, HCM City, Vietnam | Tel: +848.3823.8608 | Fax: +848.3823.8609/10