Pioneering in implementing modern and effective banking services

Over the years, Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) Vinh Phuc Branch has always been a pioneer in using modern services, improving credit quality, helping customers perform convenient transactions ensuring speed, accuracy, safety, becoming a bright spot in the banking system in the province.

Transaction office at VietinBank Vinh Phuc Headquarters.

Building an "elite" team

With 167 officers and employees in 7 departments at the Head Office and 8 affiliated transaction offices in the old Vinh Phuc province, 100% have university degrees in economics majors, reasonably distributed according to their strengths to ensure the implementation of assigned tasks. Mr. Hoang Minh Phuc, a priority customer support officer, said: In addition to learning knowledge at the Banking Academy, we have to self-study, update the new requirements of the VietinBank system on foreign languages, and apply technology to promptly bring sustainable values ​​to customers, especially corporate customers borrowing capital and making payments.

According to Director of VietinBank Vinh Phuc Nguyen Trung Kien: No matter how modern the equipment is, the human factor is still the decisive factor. We always identify a professional, flexible and adaptable team as a favorable condition for VietinBank Vinh Phuc to establish a flexible operating mechanism in mobilizing capital, lending capital to customers for investment in production and business as well as customer care, especially developing retail products and services, gradually enhancing reputation, brand and trust with customers.

In recent years, business activities have been difficult due to complicated developments of the pandemic, the decline of the world and domestic economy has had a significant impact on the banking sector, but VietinBank Vinh Phuc has always maintained its leading position in the province in capital mobilization and outstanding loans; in particular, export payment turnover has continuously increased in market share, being a reliable address for corporate and individual customers to handle problems arising in the international payment process.

Economic effects from creative and flexible working methods

VietinBank Vinh Phuc and Japfa Comfeed Vietnam signed an agreement to use ERP services.

In order to operate effectively, the unit always focuses on building corporate culture, actively innovating service style towards professionalization, modernization, simplification of administrative procedures; promoting technology application, shortening loan processing time and developing more convenient service products. Currently, VietinBank Vinh Phuc has hundreds of service products for corporate and individual customers, meeting customer needs in the era of digital technology application (electronic services).

From 2024 to present, VietinBank has synchronously deployed business solutions, promoted innovation, strongly transformed the growth model, and rapidly shifted the income structure. Notably, the VietinBank iPay application for individual customers continues to attract millions of users. The proportion of transactions via the iPay channel reaches 91.6% of total individual customer transactions - VietinBank iPay Mobile is not only a digital banking application but also a digital ecosystem, connecting with many domestic and foreign service providers, providing all daily needs of customers.

The eFAST application is considered a digital financial assistant with more than 130 features that have attracted thousands of businesses to use regularly. In particular, in 2024, to keep up with the trend of digitalizing services and improving customer experience, VietinBank officially launched the online disbursement feature on the digital banking platform for individual customers and corporate customers. For corporate customers, businesses that have been granted a loan/guarantee limit and have a digital signature can make disbursement transactions and issue guarantees online right on the VietinBank eFAST application.

With the eFAST feature, businesses can disburse/issue guarantees anytime, anywhere, even when business leaders are on business trips. As a result, businesses save time and transaction processing costs, reducing all costs of printing, transporting and storing paper documents. VietinBank Vinh Phuc is considered a pioneer in the field of investing in technological innovation and deploying modern banking services in the province.

With proactive, flexible, creative and practical solutions, by the end of July 2025, VietinBank Vinh Phuc's end-of-term capital reached nearly 15 trillion VND, an increase of more than 701 billion VND compared to the beginning of the year, an increase of 5.1%. Total outstanding loans reached over 13 trillion VND, an increase of 667 billion VND compared to the beginning of the year, an increase of 5.3%; the bad debt ratio accounted for only 0.01% of total outstanding loans, much lower than the permitted level and the average level of banks in the area and the entire industry system. Capital increased mainly in the retail segment and the FDI customer segment (leading in region 1 in terms of average retail growth).

Support and guide priority customers at Vinh Yen headquarters transaction office.

Strategy to stay ahead of healthy competition

With the strategy of “customer-centricity”, VietinBank Vinh Phuc determines the competitive method by focusing on developing modern financial banking solutions, improving consulting capacity, service quality, and maximally meeting customers’ financial needs. In parallel with the customer strategy, Vietinbank Vinh Phuc constantly improves credit quality, expands network scale, develops convenient products and improves customer care service quality.

Focus on supporting and removing difficulties for customers in reviewing, restructuring debt repayment time, exempting and reducing interest rates, reducing interest rates for loans in sectors and fields affected by epidemics and natural disasters according to Government regulations. In the period of 2020-2024, VietinBank Vinh Phuc mobilized staff at branches and focal points to propose to VietinBank headquarters to sponsor social security activities in the old Vinh Phuc province with a total value of more than 9.28 billion VND. In particular, in 2024 alone, VietinBank Vinh Phuc mobilized 2.3 billion VND to contribute to social security activities and the "Repaying gratitude" Fund...

At the end of March 2025, VietinBank Vinh Phuc signed a contract with Japfa Comfeed Vietnam Co., Ltd. (Japfa Comfeed Vietnam) to use ERP connection services - opening up opportunities to improve financial efficiency and optimize business management processes. Using ERP service connection not only helps the company optimize financial processes; but also affirms VietinBank's commitment to providing modern digital banking solutions, supporting businesses to develop sustainably".

Mr. Tommy Yance Manawan - National Finance Director of Japfa Comfeed Vietnam shared: "Cooperating with VietinBank Vinh Phuc in this project is an important step forward, helping the Company manage finances more transparently and effectively and continue to expand its business scale in Vietnam".

With the results achieved in business activities and implementation of social security programs, for many consecutive years, Vietinbank Vinh Phuc has been awarded by the Provincial People's Committee and Vietinbank Vietnam as the leading unit in the emulation movement to innovate effective operations and implement social security work.

Xuan Hung

Source: https://baophutho.vn/di-dau-trien-khai-cac-dich-vu-ngan-hang-hien-dai-hieu-qua-238554.htm