From modern retail banking to specialized capital business operations, from partnering with domestic businesses to connecting global trade flows, VietinBank creates a smart, modern, and sustainable financial ecosystem – contributing to the country's progress in the digital age.
Partnering and developing together with the business community.
In the context of a volatile global economy , VietinBank remains committed to its development strategy based on four pillars: Digitalization of internal capabilities; Green transformation - Sustainable development; Supporting the private sector; and International integration.
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| VietinBank participated in the 2025 Digital Transformation in the Banking Industry event with the theme "Smart Digital Ecosystem in the New Era". |
The bank is accelerating digitalization and applying AI, Big Data, and APIs to optimize operations and enhance customer experience through platforms such as VietinBank eFAST, ERP, Merchant Platform, eContract, eInvoice, and Smart POS. Simultaneously, VietinBank is collaborating with Fintech and payment partners to expand its open and connected ecosystem.
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| Signing ceremony for the comprehensive cooperation agreement between VietinBank and Phuong Thanh Tranconsin. |
With a focus on sustainable development, VietinBank is a pioneer in green capital portfolios, preferential credit, ESG consulting services, and supporting businesses towards zero net emissions. At the same time, VietinBank provides flexible funding from working capital, medium- and long-term loans to M&A financing solutions and bond issuance, tailored to the specific needs of each industry.
On the international stage, VietinBank affirms its role as a bridge for trade, supply chain financing, international payments, FX, derivatives, etc., accompanying FDI enterprises and import-export businesses, anticipating the wave of supply chain relocation.
As of June 30, 2025, VietinBank's outstanding corporate loans reached VND 1,103 trillion, an increase of nearly 1.6 times compared to the end of 2020; mobilized capital reached VND 702 trillion, an increase of nearly 1.6 times compared to the end of 2020.
VietinBank's corporate customer development strategy focuses on three directions:
- Customer-centric approach: Shifting from a "product selling" mindset to a "needs-solving" mindset.
- Technology drives development; invest in the digital ecosystem.
- Long-term strategic partnership: Investment consulting, finance, ESG, and business networking.
Best Retail Bank
In the retail banking sector, VietinBank is continuously expanding its scale, accelerating digital transformation, enhancing customer experience, and setting new standards for retail banking in Vietnam. Many retail indicators have recorded positive growth, especially CASA, which has increased sharply, reaching 31% in 2024. Retail loan balances have grown by double digits over the years, contributing to improved operational efficiency.
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Adhering to the philosophy of "Customer-centricity," VietinBank is innovating its product and service strategies towards "personalized solutions." Analyzing customer profiles and behaviors helps VietinBank leverage automated cross-selling. From students and employees to individual business owners, everyone is supported by suitable solutions.
A range of convenient and modern products have been implemented: AI customer recognition, online disbursement, online loan application, online overdraft, card management on VietinBank iPay, Shop365… optimizing the user experience and saving time. In the future, VietinBank will upgrade VietinBank iPay Mobile into a smart financial assistant, applying AI, Blockchain, and Cloud technologies to automate processes and enhance security.
In the digital age and with the increasing demand for personalized retail customer experiences, VietinBank focuses on: Personalizing customer experiences with AI and Big Data; applying technology in marketing activities (MarTech) and marketing automation; building a comprehensive digital ecosystem, integrating financial services into daily life; and enhancing risk management capabilities through technology.
Expanding international cooperation
VietinBank's capital business operations have made a mark by continuously expanding their scale, optimizing their portfolio, boosting proprietary trading profits, and contributing to a structural shift towards increasing non-credit profits. As one of the few Vietnamese banks pioneering the provision of IRS and CCS derivative products, VietinBank helps customers effectively manage risks and affirms its market capabilities. For commodity derivatives, VietinBank provides solutions for hedging against price fluctuations for businesses in the following sectors: agricultural products, fuels, energy, metals, etc.
Over the past five years, VietinBank has significantly increased its bond issuance, raising approximately 75,000 billion VND. In the first six months of 2025 alone, VietinBank issued 16,350 billion VND through two public offerings and seven private placements. VietinBank is currently digitizing its issuance process, deeply integrating it with digital platforms, and optimizing the investor experience.
To expand cooperation with domestic and international institutions, VietinBank has signed strategic agreements with large, reputable banks in the international market.
In this new era, VietinBank is steadfast in its journey of DX (Digital Transformation) - CX (Customer Experience) - EX (Employee Experience), connecting the power of People - Data - Artificial Intelligence. By placing people at the center of the transformation journey, VietinBank attracts digital talent and builds an innovative work environment.
VietinBank is promoting initiatives in information technology platforms, modernizing infrastructure, data, and risk management, ensuring transaction safety and security. At the same time, VietinBank is pioneering the implementation of experience management projects to increase customer satisfaction and engagement.
VietinBank is honored to have received hundreds of prestigious domestic and international awards:
Ranked among the Top 2000 Largest Companies in the World (Forbes) for 14 consecutive years.
Ranked in the Top 300 Most Valuable Banking Brands in the World (Brand Finance) for 7 consecutive years.
Honored as a National Brand for 8 consecutive years.
Best SME Bank in Vietnam for 5 consecutive years (The Asian Banker)
Best Retail Bank in Vietnam for 9 consecutive years (Global Banking & Finance Review)
Best Bank & Digital Banking for Businesses in Vietnam 2024 (IFM)
The Sao Khue Awards 2025 recognized 5 outstanding digital products, notably VietinBank iPay Mobile, which ranked in the Top 10 for the 8th consecutive year.
In 2025, credit rating agencies continued to rate VietinBank as stable: Fitch Ratings gave it a BB+ rating with a stable outlook, and Moody's gave it a Ba2 rating with a stable outlook.
Source: https://baodautu.vn/vietinbank---vuon-minh-cung-dat-nuoc-d369965.html
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