Accompanying - Developing with the business community
In the context of many fluctuations in the global economy, VietinBank is determined to implement a development strategy based on 4 pillars: Digitization of internal resources; Green transformation - Sustainable development; Supporting the private economy and International integration.
The bank promotes digitalization, application of AI, Big Data, API to optimize operations and enhance customer experience through platforms: VietinBank eFastast, ERP, Merchant Platform, eContract, eInvoice, Smart POS... At the same time, VietinBank cooperates with Fintech and payment partners to expand the open connection ecosystem.
With the orientation of sustainable development, VietinBank pioneers in green capital portfolio, preferential credit, ESG consulting services, accompanying businesses towards net zero emissions. At the same time, VietinBank provides flexible capital flows from mobilization, medium and long term to M&A financial solutions, issuing bonds, suitable for the characteristics of each industry.
In the international arena, VietinBank affirms its role as a trade bridge, supply chain financing, international payments, FX, derivatives... accompanying FDI enterprises, import-export, and leading the wave of supply chain shift.
As of June 30, 2025, VietinBank's outstanding corporate credit 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 orientations:
Taking customers as the center: Shifting from the mindset of "selling products" to "demand solution"
Technology leads the development and investment of the digital ecosystem.
Accompanying long-term strategies: Investment consulting, finance, ESG, trade connection.
Best Retail Bank
In the retail banking sector, VietinBank constantly expands its scale, promotes digital transformation, improves customer experience, and shapes new standards for Vietnamese retail banks. Many retail indicators recorded positive growth, especially CASA increased sharply, reaching an increase of 31% in 2024. Retail debt has grown in double digits over the years, contributing to promoting operational efficiency.
Adhering to the philosophy of "Customer is the center", VietinBank innovates product and service strategies towards "personalized solutions". Analyzing customer portraits and behavior helps VietinBank operate automatic cross-selling. From students, staff, individual business households... are all accompanied by appropriate solutions. A series of convenient and modern products are deployed: AI Customer Identification, Online Disbursement, Online Loan Registration, Online Expenditures, Card Management on VietinBank iPay, Shop365... to optimize the experience and save time. In the future, VietinBank will upgrade VietinBank iPay Mobile to a smart financial assistant, applying AI, Blockchain, Cloud to automate and increase security.
In the digital age and the increasing demand for retail customer personalization, 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 left their mark when continuously expanding their scale, optimizing their portfolios, promoting self-made profits, contributing to restructuring towards increasing non-credit profits. As one of the few Vietnamese banks pioneering in providing IRS and CCS derivatives, VietinBank helps customers effectively manage risks, affirming market capacity. For commodity derivatives, VietinBank provides solutions to prevent risks of price fluctuations for businesses in the fields of: Agriculture, fuel, energy, metals, etc.
In the past 5 years, VietinBank has stepped up bond issuance, with a total mobilization of about VND 75,000 billion. In the first 6 months of 2025 alone, VietinBank issued VND 16,350 billion with 2 publications and 7 individual ones. VietinBank is digitalizing the issuance process, deeply integrating with the digital platform, optimizing the investor experience.
To expand cooperation with domestic and foreign institutions, VietinBank signed strategic agreements with major banks with reputation in the international market.
In the new period, VietinBank is steadfast in the journey of DX (Digital Transformation) - CX (Customer Experience) - EX (Empowerment Experience), connecting the strength of Human - Data - Artificial Intelligence. Putting people at the center of the transformation journey, VietinBank attracts digital talent and builds a creative working environment.
VietinBank promotes initiatives in information technology platforms, modernizing infrastructure, data, risk management, ensuring transaction safety and security. At the same time, VietinBank pioneers in implementing experience management projects, increasing customer satisfaction and connectivity.
VietinBank is honored to receive hundreds of prestigious domestic and international awards:
In 2025, credit rating organizations will continue to record VietinBank: Fitch Ratings rated BB+ with stable prospects, Moody's ranking Ba2 with stable prospects.
