Changing thinking: From transaction to experience
As one of the first joint stock commercial banks in Vietnam, Eximbank has always been associated with a traditional and cautious image. However, in the past few years, the bank has changed dramatically when placing customers at the center. Modern users not only expect diversity in products but also require each solution to be suitable, easy to use and bring practical value. Thanks to that, Eximbank has actively diversified its portfolio, applied advanced technology and improved the product organization process according to the characteristics of each customer group.
Eximbank diversifies products with the mindset of a personalized financial ecosystem
For individual customers, Eximbank EDigi digital bank is comprehensively upgraded, integrating many utilities such as opening online savings books, QR payments, paying taxes, buying transportation tickets, depositing phone bills, shopping online... eKYC technology helps users open accounts remotely, shortening time and simplifying procedures. At the same time, the bank has deployed modern payment methods such as Apple Pay, Google Pay, Samsung Pay, Garmin Pay... to contribute to promoting cashless payments.
In parallel with digital banking, the credit card ecosystem is also reshaped in a specialized direction: Eximbank Priority Visa Signature international credit card exclusively for the high-end customer segment; Eximbank JCB platinum Travel Cash Back for travel enthusiasts; meanwhile, Visa Violet is a priority product exclusively for women, with many unique design benefits.
For corporate customers, especially the SME sector, Eximbank develops the Ebiz digital platform, optimizing operating processes and costs with utilities such as online guarantee, USB Token digital signature, digital signature deposit confirmation, 24/7 express money transfer... The bank also introduces flexible financial solutions such as Efast Green, supporting green businesses and female business owners to access preferential capital, or Exim Metro package with attractive free policies and interest rate incentives when depositing, as well as preferential international money transfer packages such as The Queen.
For FDI enterprises, Eximbank is implementing specialized products such as foreign currency collection accounts, international payment services, L/C issuance, flexible guarantee and separate care system with a professional, multi-linguistic team. The bank is also preparing to launch E-Factoring, a supply chain finance system that helps businesses access capital quickly and conveniently.
Invest in technology to improve the comprehensive experience
Not only focusing on products, Eximbank also invests heavily in technology and customer experience. The bank has applied AI technology to the customer service hotline, helping to increase response speed and increase satisfaction.
The CRM (customer relationship management) system helps Eximbank improve interaction and provide appropriate services for each individual, from product suggestions to prompt offers and after-sales care. These improvements help Eximbank create an "automatic yet friendly" banking ecosystem, affirming its commitment to accompanying customers.
Growth momentum and open development space
The product ecosystem expansion strategy has brought impressive results to Eximbank. In 2024, the bank achieved pre-tax profit of VND 4,188 billion, up 54% compared to 2023, the highest level in 35 years of operation. Total assets, capital mobilization and outstanding credit grew strongly, of which outstanding credit increased by 19.7%, the highest level in the past 5 years, showing the confidence and support of the market.
In particular, increasing charter capital to more than VND 18,688 billion in 2024 creates a solid financial foundation for Eximbank to continue investing in technology, expanding products and upgrading service quality in the coming period.
With the mindset of "building solutions before selling products" and the product restructuring strategy, Eximbank is creating outstanding value for customers. This is a breakthrough that not only strengthens its position in the market but also opens a new digital era with flexible, convenient and sustainable trading experience.
