This is a meaningful recognition for a year of efforts and breakthroughs of Eximbank in the card segment - a field identified by the bank as a strategic focus in the journey of digital transformation and improving customer experience.
2024 marks a year of impressive growth for Eximbank in card business. With many programs to promote spending - incentives - cashback and close coordination with strategic partners such as JCB, the bank has created a strong momentum in cashless payments. The continuous launch of new card products, application of advanced technology, and investment in risk management and customer care systems have helped Eximbank not only increase market share but also affirm its position in the group of banks with a rapidly developing card ecosystem in Vietnam.
The award from JCB is a testament to those efforts, and also reflects the positive change in consumer behavior and customer trust in Eximbank.
Not only successful in the card segment, 2024 is also an important milestone in Eximbank's entire business operations. The bank recorded pre-tax profit of VND 4,188 billion, a sharp increase of 54% compared to 2023 - the highest level in 35 years of establishment and development. Specifically, total assets reached VND 265,500 billion, capital mobilization was VND 206,000 billion, outstanding credit balance was VND 195,500 billion, and the bad debt ratio decreased to 1.99%, showing a clear improvement in operational efficiency, profitability and credit quality.
Entering 2025, Eximbank sets ambitious targets: consolidated pre-tax profit of VND5,188 billion, up 23.8% over the previous year; total assets, capital mobilization, and outstanding credit are all expected to grow by double digits. Eximbank continues to pursue a sustainable - safe - effective growth model by improving NIM, increasing non-term capital (CASA), low-cost capital from economic organizations and residents.
In 2025, Eximbank will promote in-depth card development with a clear strategy, from launching new card lines with diverse features suitable for each customer segment, strengthening partner connections and expanding spending incentives, to applying modern technologies such as AI and advanced security solutions to optimize user experience. The bank also focuses on investing in a comprehensive risk management and customer care platform, creating a seamless, personalized and effective card usage journey.
The award from JCB is not only a title, but also an important milestone, adding motivation for Eximbank to continue to innovate, create and affirm its position on the journey to conquer the card market.
Source: https://dantri.com.vn/kinh-doanh/eximbank-nhan-giai-ngan-hang-dan-dau-ve-doanh-so-thanh-toan-the-nam-2024-cua-jcb-20250531122656211.htm
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