VietinBank - Growing with the country

Through 37 years of development, VietinBank has affirmed its role as a financial pillar of the economy, accompanying the country's innovation and international integration.

From modern retail banking to specialized capital trading, from accompanying domestic enterprises to connecting global trade flows, VietinBank creates a smart, modern and sustainable financial ecosystem - contributing to the country's advancement in the digital age.

Accompanying - Developing with the business community

In the context of a volatile global economy , VietinBank is determined to implement a development strategy based on four pillars: Digitalizing internal resources; Green transformation - Sustainable development; Supporting the private economy and International integration.

VietinBank participated in the event Digital Transformation of Banking Industry 2025 with the theme "Smart digital ecosystem in the new era".

The bank promotes digitalization, AI, Big Data, API applications to optimize operations and enhance customer experience through platforms: VietinBank eFAST, ERP, Merchant Platform, eContract, eInvoice, Smart POS... At the same time, VietinBank cooperates with Fintech and payment partners to expand the open connection ecosystem.

Signing ceremony of comprehensive cooperation agreement between VietinBank and Phuong Thanh Tranconsin.

With a sustainable development orientation, VietinBank pioneers green capital portfolio, preferential credit, ESG consulting services, accompanying businesses towards net zero emissions. At the same time, VietinBank provides flexible capital flows from working capital, medium and long term to M&A financial solutions, bond issuance, suitable for the characteristics of each industry.

In the international arena, VietinBank affirms its role as a trade bridge, supply chain finance, international payment, FX, derivatives... accompanying FDI and import-export enterprises, anticipating the wave of supply chain shifts.

As of June 30, 2025, VietinBank's corporate credit balance 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 3 directions:

- Customer-centric: Shift from “selling products” to “solving needs” mindset

- Technology leads development and investment in digital ecosystem.

- Long-term strategic companionship: Investment consulting, finance, ESG, trade connection.

Best Retail Bank

In the retail banking sector, VietinBank is constantly expanding its scale, promoting digital transformation, improving customer experience, and setting new standards for Vietnamese retail banking. Many retail indicators have recorded positive growth, especially CASA, which increased sharply, reaching a growth rate of 31% in 2024. Retail loans have grown by double digits over the years, contributing to promoting operational efficiency.

Sticking to the philosophy of “Customer-centricity”, VietinBank innovates its product and service strategy towards “personalized solutions”. Analyzing customer portraits and behaviors helps VietinBank exploit automatic cross-selling. From students, staff, individual business households… all are accompanied by suitable solutions.

A series of modern and convenient products have been deployed: AI customer recognition, online disbursement, online loan registration, online overdraft, card management on VietinBank iPay, Shop365... to optimize the experience and save time. In the future, VietinBank will upgrade VietinBank iPay Mobile into a smart financial assistant, applying AI, Blockchain, Cloud to automate and increase security.

In the digital age and the increasing demand for personalization of retail customers, VietinBank focuses on: Personalizing customer experience with AI, Big Data; applying technology in Marketing activities (MarTech), automated marketing journey (marketing automation); building a comprehensive digital ecosystem, integrating financial services into life; increasing risk management capacity with technology.

Expanding international cooperation

VietinBank's capital business activities have made their mark by continuously expanding their scale, optimizing their portfolio, promoting their own profits, and contributing to the 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 manage risks effectively, affirming its market capacity. For commodity derivatives, VietinBank provides solutions to hedge against price fluctuation risks for businesses in the fields of: Agricultural products, fuel, energy, metals, etc.

In the past 5 years, VietinBank has promoted bond issuance, raising a total of about 75,000 billion VND. In the first 6 months of 2025 alone, VietinBank issued 16,350 billion VND with 2 public offerings and 7 private offerings. VietinBank is digitizing the issuance process, deeply integrating with digital platforms, and optimizing investor experience.

To expand cooperation with domestic and foreign institutions, VietinBank signed strategic agreements with large, reputable banks in the international market.

In the new era, VietinBank is determined to follow the journey of DX (Digital Transformation) - CX (Customer Experience) - EX (Employee Experience), connecting the power of People - Data - Artificial Intelligence. Putting people at the center of the transformation journey, VietinBank attracts digital talent and builds a creative working environment.

VietinBank promotes IT platform initiatives, modernizes infrastructure, data, risk management, ensures safety and transaction security. At the same time, VietinBank pioneers the implementation of experience management projects, increases customer satisfaction and engagement.

VietinBank is honored to receive hundreds of prestigious domestic and international awards:

14 consecutive years in the Top 2000 largest enterprises in the world (Forbes)

7 consecutive times in the Top 300 Most Valuable Banking Brands in the World (Brand Finance)

8 consecutive times honored as National Brand

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 Bank for Businesses in Vietnam 2024 (IFM)

Sao Khue Award 2025 with 5 outstanding digital products, especially VietinBank iPay Mobile in the Top 10 Sao Khue for the 8th consecutive time.

In 2025, credit rating organizations continue to recognize VietinBank: Fitch Ratings rated BB+ with stable outlook, Moody's rated Ba2 with stable outlook.

Source: https://baodautu.vn/vietinbank---vuon-minh-cung-dat-nuoc-d369965.html