| COMPANY PROFILE

OPES Insurance JSC is a pioneering digital non-life insurance company that leverages technology to create modern, transparent, and convenient digital insurance solutions for millions of Vietnamese customers. Established in 2018 within the VPBank ecosystem, OPES aspires to redefine the insurance experience through a comprehensive digitalization approach, with technology, data, and customer experience serving as the foundation of its core development strategy.

Technology is regarded as the DNA of OPES—a defining factor that differentiates the company throughout its journey as a new-generation digital insurer. OPES has developed an API-first operating model and an open system capable of flexibly integrating with partners across a wide range of sectors, including banking, finance, consumer services, e-commerce, and digital technology.

The company has consistently been recognized in prestigious rankings, including the Top 10 Most Reputable Non-life Insurance Companies in Vietnam, VNR500, FAST500, and PROFIT500. OPES has also been honored at the Insurance Asia Awards for three consecutive years (2024–2026), receiving awards in the categories of Digital Insurance Company and AI application initiatives in operations and insurance claims settlement.

At the same time, OPES actively participates in charitable programs, demonstrating a strong commitment to corporate social responsibility. These initiatives include providing scholarships to underprivileged children through the Mottainai Program in 2023 and 2024, and sponsoring more than 5,000 tree seedlings for O.Garden under the TreeBank Program—a tree seed bank initiative supporting people in mountainous areas and contributing to the reforestation of barren land.

In the coming period, OPES will continue to pursue its sustainable development strategy based on four pillars: business, operations, products, and brand.

| PRODUCT/SOLUTION INTRODUCTION

OPES continuously expands its insurance product portfolio with a focus on flexibility, personalization, and seamless integration across digital platforms. The company currently offers more than 20 insurance products and collaborates with over 30 partners across various sectors, including banking, finance, and consumer services, to meet the diverse needs of its customers.

Among these, motor insurance and home insurance are two key product categories that clearly reflect the company’s philosophy of “simple insurance – optimal experience.” O.CAR, OPES’ motor physical damage insurance product, is one of the company’s flagship digital insurance solutions and was honored with the Digital Insurance Initiative of the Year award at the Insurance Asia Awards 2024. O.CAR has been developed as a fully digital solution, enabling customers to purchase insurance quickly via the OPES website and mobile application, conduct AI-powered inspections, and conveniently manage their policies through a digital platform.

An Gia O.HOUSE home insurance is positioned as a comprehensive property protection solution for Vietnamese households.