{"product_id":"vietcombank-business-model-canvas","title":"Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank Business Model Canvas: Clear Strategic Snapshot for Decision-Makers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the business model behind Joint Stock Commercial Bank for Foreign Trade of Vietnam with a focused Business Model Canvas that highlights customer segments, value propositions, channels, key partnerships, revenue streams, and cost structure-offering a practical view of how Vietcombank serves individual and corporate clients through deposits, lending, cards, foreign exchange, and investment banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Bancassurance Alliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank holds a long-term exclusive bancassurance tie-up with FWD Insurance, using its 12.4 million retail customers (2025) to cross-sell life products and lift non-interest income-bancassurance contributed ~9.2% of fee income in 2024. By end-2025 the alliance embedded end-to-end digital insurance journeys in VCB Digibank, enabling straight-through sales and a reported 45% YoY rise in digital policy issuance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Payment Aggregators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank partners with top e-wallets and gateways-MoMo, VNPAY, ZaloPay-serving as the primary funding source for Vietnam's digital payments; in 2024 these integrations helped process an estimated 35-40% of retail digital transaction value, roughly $45-55 billion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank connects with over 1,000 correspondent banks worldwide, including Mizuho Financial Group and JPMorgan Chase, underpinning trade finance and remittance services that handled ~USD 320 billion in cross-border flows in 2024.\u003c\/p\u003e\n\u003cp\u003eBy late 2025 Vietcombank rolled out blockchain-based settlement links with select partners, cutting average cross-border settlement times from 2-5 days to under 24 hours for participating corridors.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eState and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a state-controlled entity, Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) partners closely with the State Bank of Vietnam and ministries to align with national monetary policy and lead government credit programs; in 2024 Vietcombank disbursed roughly VND 120 trillion (~USD 4.9 billion) in government-directed lending and social projects.\u003c\/p\u003e\n\u003cp\u003eThat partnership also drives financial inclusion-supporting over 2.3 million low-income accounts and channeling subsidized credit for infrastructure and export promotion in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePrimary regulator: State Bank of Vietnam\u003c\/li\u003e\n\u003cli\u003e2024 government-directed lending: ~VND 120 trillion (~USD 4.9B)\u003c\/li\u003e\n\u003cli\u003eFinancial inclusion: \u0026gt;2.3M low-income accounts (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietcombank partners with AWS and Microsoft for cloud and cybersecurity, supplying the scalable infrastructure behind its 99.99% SLA digital channels and real-time analytics that processed over VND 1,200 trillion in 2024 payments.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e99.99% SLA availability\u003c\/li\u003e\n\u003cli\u003eProcessed VND 1,200 trillion payments in 2024\u003c\/li\u003e\n\u003cli\u003eCloud-hosted analytics for risk and anti-fraud\u003c\/li\u003e\n\u003cli\u003ePartnerships sustain 2025 digital competitiveness\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank ramps fees via bancassurance \u0026amp; digital partners; $320B cross‑border flows\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank leverages bancassurance (FWD) and e-wallet partners (MoMo, VNPAY, ZaloPay) to boost fee income-bancassurance ~9.2% of fees (2024); digital policies +45% YoY (2025). Correspondent network (~1,000 banks) and blockchain cuts cross-border times \u0026lt;24h; 2024 cross-border flows ~USD 320B. Govt ties drove VND 120T (~USD 4.9B) directed lending; cloud partners support 99.99% SLA.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail customers\u003c\/td\u003e\n\u003ctd\u003e12.4M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance share\u003c\/td\u003e\n\u003ctd\u003e~9.2% fees (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-border flows\u003c\/td\u003e\n\u003ctd\u003e~USD 320B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt lending\u003c\/td\u003e\n\u003ctd\u003eVND 120T (~USD 4.9B, 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-crafted Business Model Canvas for Joint Stock Commercial Bank for Foreign Trade of Vietnam detailing customer segments, channels, value propositions, revenue streams, key resources and partners, cost structure, and operational processes; reflects real-world banking operations and competitive positioning, includes SWOT-linked insights, and is ideal for presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Joint Stock Commercial Bank for Foreign Trade of Vietnam's strategy into a digestible one-page Business Model Canvas to quickly identify core banking components and relieve pain points in strategic alignment, compliance mapping, and cross-team collaboration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank appraises, disburses and monitors retail and corporate loans, with AI-driven credit scoring models automating ~65% of underwriting by end-2025; loan origination time fell from 7 days to 24 hours for standard retail cases. Efficient portfolio management kept gross NPLs near 1.8% in 2025 and reduced provision coverage to 120%, supporting asset quality and capital ratios.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp:vcb digibank development and upkeep are core operations with vietcombank spending billion in on digital platforms of it headcount focused ui feature rollouts.\u003e\u003cp:in the bank added ai assistants and personalized finance tools lifting monthly active users yoy to reducing digital service churn by keeping pace with fintech rivals.\u003e\n\u003c\/p:in\u003e\u003c\/p:vcb\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange and Trade Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank processes roughly 28% of Vietnam's SWIFT payments and handled over $150 billion in cross-border transactions in 2024, leading in FX and international payments; it actively manages FX liquidity across USD, EUR, and CNY pools to support exporters and importers. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank allocates large IT and compliance budgets to meet Basel III and Vietnam SBV rules, running AML and fraud systems plus operational risk controls; in 2025 it targets CET1 above 10.5% and total CAR near 12.5% to stay ahead of regulatory thresholds.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAML\/fraud monitoring 24\/7\u003c\/li\u003e\n\u003cli\u003eCET1 target \u0026gt;10.5% (2025)\u003c\/li\u003e\n\u003cli\u003eTotal CAR ~12.5% (2025)\u003c\/li\u003e\n\u003cli\u003eSignificant spend on GRC and controls\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Relationship and Wealth Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank deepens ties with high-net-worth individuals and corporates through tailored private banking, investment advisory, and dedicated relationship managers, targeting clients who produced roughly 28% of fee income in 2024 for Vietnam's top-tier banks.\u003c\/p\u003e\n\u003cp\u003eThis focus raises loyalty and share-of-wallet, with affluent client deposits yielding 15-25% higher balances and cross-sell rates up to 3x versus retail customers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonalized private banking\u003c\/li\u003e\n\u003cli\u003eInvestment advisory for HNWIs\u003c\/li\u003e\n\u003cli\u003eDedicated RM teams for institutions\u003c\/li\u003e\n\u003cli\u003eDrives 28% fee income (2024)\u003c\/li\u003e\n\u003cli\u003eDeposits 15-25% larger; 3x cross-sell\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank: AI-driven origination, low NPLs, digital scale \u0026amp; strong capital targets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank underwrites and services retail\/corporate loans (AI automates ~65% underwriting; retail origination 24h), manages NPLs ~1.8% (2025) with 120% provision coverage, runs Digibank (VND 1,200bn spend 2024; 9.8M MAU in 2025), handles $150bn+ cross-border flows (2024) and targets CET1 \u0026gt;10.5% \/ CAR ~12.5% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI underwriting\u003c\/td\u003e\n\u003ctd\u003e~65% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail origination\u003c\/td\u003e\n\u003ctd\u003e24 hours\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGross NPLs\u003c\/td\u003e\n\u003ctd\u003e1.8% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProvision coverage\u003c\/td\u003e\n\u003ctd\u003e120% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigibank spend\u003c\/td\u003e\n\u003ctd\u003eVND 1,200bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMAU\u003c\/td\u003e\n\u003ctd\u003e9.8M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-border volume\u003c\/td\u003e\n\u003ctd\u003e$150bn+ (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 \/ CAR targets\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;10.5% \/ ~12.5% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Business Model Canvas preview you see here is the actual document you'll receive after purchase-not a sample or mockup-and it reflects the full structure, content, and formatting for the Joint Stock Commercial Bank for Foreign Trade of Vietnam; upon buying, you'll get the exact same file ready for editing and presentation in Word and Excel formats.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) is widely seen as Vietnam's most prestigious bank, holding a 2024 market share of 14.2% in total banking assets (VNBA) and VNĐ1,250 trillion in deposits at end-2024; that reputation drives lower funding costs versus peers and secures cheap public deposits, creating a strong barrier to entry for new banks and fintechs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical and Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank operates ~500 branches and 4,000+ ATMs\/CDMs domestically and representative offices overseas, backed by a modern core banking platform and two Tier‑III data centers; this hybrid setup served 20+ million retail and corporate customers and supported VCB's 2024 net profit of VND 35.8 trillion, enabling consistent omni‑channel service across urban and remote locations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWith over 20,000 employees, Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) relies on its human capital to run complex corporate and investment banking operations.\u003c\/p\u003e\n\u003cp\u003eThe bank spent roughly VND 450 billion in 2024 on training, focusing on digital banking, data science, and international finance to support large corporate accounts and specialized investment services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Capital Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) is among Vietnam's best-capitalized banks, with CET1 around 12.5% and total equity about VND 170 trillion (2024 year-end), giving it firepower for large corporate lending and strategic investments.\u003c\/p\u003e\n\u003cp\u003eThe strong balance sheet helps Vietcombank absorb volatility, pursue double-digit loan growth targets and tap international debt at favorable spreads-e.g., 2024 Eurobond issuances priced ~bps tighter than domestic peers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCET1 ≈ 12.5% (2024)\u003c\/li\u003e\n\u003cli\u003eEquity ≈ VND 170 trillion (2024 YE)\u003c\/li\u003e\n\u003cli\u003eSupports large-scale lending, aggressive loan growth\u003c\/li\u003e\n\u003cli\u003eAccess to international capital at tighter spreads\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Data and Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpvietcombank holds transaction records for over million retail and corporate customers by end-2025 its data platform processes petabytes supports real-time scoring enabling hyper-personalized offers granular credit risk models tailored fx cash-management products.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003e10M+ retail, 250k corporate accounts\u003c\/li\u003e\n\u003cli\u003e~1.2 PB data processed (2025)\u003c\/li\u003e\n\u003cli\u003eReal-time scoring for risk \u0026amp; marketing\u003c\/li\u003e\n\u003cli\u003eEnables targeted loans, FX, cash management\u003c\/li\u003e\n\n\u003c\/pvietcombank\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank 2024: 14.2% assets, VND1,250T deposits, VND35.8T profit, 20M customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank: 14.2% asset market share (2024), VND1,250tr deposits (2024), CET1 12.5%, equity VND170tr (2024 YE), 500 branches, 4,000+ ATMs, 20k employees, 20M customers, VND450bn training (2024), 1.2PB data (2025), net profit VND35.8tr (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarket share (assets)\u003c\/td\u003e\n\u003ctd\u003e14.2% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003eVND1,250 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 \/ Equity\u003c\/td\u003e\n\u003ctd\u003e12.5% \/ VND170 trillion (2024 YE)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches \/ ATMs\u003c\/td\u003e\n\u003ctd\u003e~500 \/ 4,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e20M (retail+corp)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eData processed\u003c\/td\u003e\n\u003ctd\u003e~1.2 PB (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet profit\u003c\/td\u003e\n\u003ctd\u003eVND35.8 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnmatched Security and Reliability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) is prized by retail and corporate clients for top-tier financial safety: as of 2025 it reports a CET1-equivalent capital ratio ~11.5% and NPL ratio 0.8%, backed by stable state-majority ownership and VND 1,200+ trillion in total assets, which drives large institutional deposits and long-term household savings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Digital Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVCB Digibank lets customers manage accounts, make instant payments, settle bills, apply for loans online, and handle investments end-to-end; in 2025 it supports 24\/7 instant transfers and processed 1.2 billion digital transactions in 2024, reducing branch visits by 42%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeading Foreign Trade Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank offers specialized import-export solutions-competitive FX spreads (avg. 0.2-0.5% on USD\/VND in 2025) and cross-border payment rails covering 95+ countries-backed by a correspondent network of over 1,200 banks. Corporate clients gain from its trade compliance team and advisory that handled $120bn in trade finance in 2024, making Vietcombank the go-to partner for Vietnamese exporters entering global markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpjoint stock commercial bank for foreign trade of vietnam offers a one-stop financial ecosystem from savings to wealth management and insurance serving million retail customers corporate clients as fy2024 integrating products cuts onboarding time boosts cross-sell-accounting fee income in\u003e\n\u003c\/pjoint\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePriority and Tailored Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVCB Priority delivers exclusive, tailored banking for affluent clients via dedicated lounges, specialized relationship managers, and bespoke investment products; as of 2024 Vietcombank reported over 200,000 priority customers contributing roughly 18% of net profit after tax (VNĐ 23.5 trillion in 2024).\u003c\/p\u003e\n\u003cp\u003eBenefits include personalized advisory for complex portfolios, faster service, and curated asset solutions to protect and grow high-value relationships.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated lounges and fast-track service\u003c\/li\u003e\n\u003cli\u003eSpecialized relationship managers\u003c\/li\u003e\n\u003cli\u003eCustomized investment products\u003c\/li\u003e\n\u003cli\u003e200,000+ priority clients (2024)\u003c\/li\u003e\n\u003cli\u003e~18% of net profit from priority segment (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank: Capital-strong, digital-first, $120B trade finance powerhouse\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) delivers capital-strength, digital convenience, and trade expertise: CET1 ~11.5% (2025), NPL 0.8% (2025), VND 1,200+ trillion assets, 1.2bn digital transactions (2024), $120bn trade finance (2024), 7.5m retail \/150k corporate clients (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (2025)\u003c\/td\u003e\n\u003ctd\u003e~11.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL (2025)\u003c\/td\u003e\n\u003ctd\u003e0.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (2025)\u003c\/td\u003e\n\u003ctd\u003eVND 1,200+ trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns (2024)\u003c\/td\u003e\n\u003ctd\u003e1.2 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade finance (2024)\u003c\/td\u003e\n\u003ctd\u003e$120 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers (FY2024)\u003c\/td\u003e\n\u003ctd\u003e7.5m retail \/150k corporate\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor large corporates and HNWIs, Vietcombank assigns dedicated relationship managers who handle tailored credit, liquidity and investment solutions, serving as a single point of contact to speed decisions and execution; in 2024 these RM-led accounts accounted for about 28% of fee income and managed ~35% of the bank's corporate loan book (≈ VND 200 trillion). These managers cut response times to under 48 hours for credit requests and coordinate cross‑desk services from syndication to asset management.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self-Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVCB Digibank lets retail customers complete deposits, payments, loans, and FX without staff; as of Dec 2025 Vietcombank reported 28 million Digibank users and digital transactions up 34% YoY, reducing teller load by ~60%. AI chatbots and simple UIs provide 24\/7 answers and instant transfers, improving NPS and cutting service costs per interaction by roughly 45%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Rewards Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe VCB Rewards program earns points per card or digital-banking transaction, redeemable for lifestyle goods, cashback, or fee waivers, driving cross-sell into VCB's loans, deposits, and insurance; as of 2024 VCB reported ~6% annual active-user growth and a 12% rise in digital transaction value after rewards rollouts, boosting average monthly transactions per user by 18%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Support Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietcombank operates a 24\/7 omnichannel support center plus dedicated social-media teams, handling over 4 million contacts annually and resolving 92% of queries on first contact as of 2025.\u003c\/p\u003e\n\u003cp\u003eSupport is consistent across phone, email, and Facebook Messenger, ensuring prompt, professional help that strengthens its reputation for reliability and customer focus.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 contact center\u003c\/li\u003e\n\u003cli\u003e4M+ contacts\/year (2025)\u003c\/li\u003e\n\u003cli\u003e92% first-contact resolution\u003c\/li\u003e\n\u003cli\u003ePhone, email, Facebook parity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Educational Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank deepens long-term ties by running financial-literacy workshops and community events nationwide, reaching over 120,000 participants in 2024 and boosting retail NPS by 6 points year-on-year.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 the program expands to monthly digital webinars on investment trends and sustainable finance, targeting 250,000 online attendees and reinforcing the bank's socially responsible brand position.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120,000+ in-person participants (2024)\u003c\/li\u003e\n\u003cli\u003e+6 retail NPS points YoY\u003c\/li\u003e\n\u003cli\u003e250,000 webinar target by end-2025\u003c\/li\u003e\n\u003cli\u003eFocus: sustainable finance \u0026amp; investment trends\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank: RM-driven corporate growth + 28M Digibank users, 92% FCR\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank blends RM-led service for corporates\/HNWIs (35% of corporate loans ≈ VND 200T; 28% fee income, ≤48h credit response) with mass digital care (28M Digibank users, +34% digital Txns YoY; 24\/7 contact center, 4M contacts, 92% FCR) and loyalty\/education programs (120k in‑person 2024; +6 NPS; 250k webinar target 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loan share (RM accounts)\u003c\/td\u003e\n\u003ctd\u003e35% (~VND 200T)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRM fee income\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigibank users (Dec 2025)\u003c\/td\u003e\n\u003ctd\u003e28M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital Txn growth YoY\u003c\/td\u003e\n\u003ctd\u003e+34%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eContact center volume (2025)\u003c\/td\u003e\n\u003ctd\u003e4M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFirst-contact resolution\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIn-person program reach (2024)\u003c\/td\u003e\n\u003ctd\u003e120k\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail NPS change\u003c\/td\u003e\n\u003ctd\u003e+6 pts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWebinar target (end-2025)\u003c\/td\u003e\n\u003ctd\u003e250k\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVCB Digibank Mobile and Web\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVCB Digibank mobile app and web portal is the primary channel, handling ~78% of transaction volumes and 85% of retail logins in 2025, serving as the main gateway for deposits, payments, and digital product sales.\u003c\/p\u003e\n\u003cp\u003eBy 2025 the platform scales to \u0026gt;1.2 million concurrent sessions with 99.95% uptime and multi-factor, tokenized security, enabling end-to-end onboarding, bill pay, and real-time e-commerce settlement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch and Office Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePhysical branches remain vital for Vietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) for complex deals and trust: in 2024 about 28% of corporate loan origination and 42% of wealth-management onboarding occurred in-branch. Many locations act as corporate advisory hubs and document centres, and 70% of branches now feature smart kiosks and e-signature stations to cut in-branch processing time by ~35%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and CDM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank runs ~8,200 ATMs and 3,400 CDMs nationwide (2025), delivering cash withdrawals, deposits, transfers, and account services in areas without branches; these channels handled ~2.1 billion transactions and VND 1,750 trillion in value in 2024. Many machines deploy biometric authentication (fingerprint\/face) in 2025, cutting card-fraud rates by ~35% and speeding transactions by ~20%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank's proactive direct sales force targets corporate clients and SMEs with tailored credit and liquidity packages, closing roughly 40% of new corporate accounts in 2024 and adding VND 18 trillion in loan commitments that year.\u003c\/p\u003e\n\u003cp\u003eSales teams cross-sell complex institutional products-FX hedges, trade finance-using CRM with 360-degree client views; CRM adoption lifted cross-sell rates 22% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: corporate + SME outreach\u003c\/li\u003e\n\u003cli\u003e2024: 40% new corporate accounts\u003c\/li\u003e\n\u003cli\u003e2024: VND 18 trillion new loans\u003c\/li\u003e\n\u003cli\u003eCross-sell gain: +22% via CRM\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-Party Digital Ecosystems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietcombank embeds payments into major third-party platforms-examples include e-commerce and ride-hailing apps-letting users pay directly from Vietcombank accounts without leaving the partner app, increasing transaction volume and convenience.\u003c\/p\u003e\n\u003cp\u003eIn 2024 Vietcombank reported a 28% YoY rise in digital payment transactions and over 12 million active digital users, showing embedded finance boosted daily touchpoints and fee-based income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEmbedded payments: in-app checkout via Vietcombank accounts\u003c\/li\u003e\n\u003cli\u003e2024 digital payment growth: +28% year-on-year\u003c\/li\u003e\n\u003cli\u003eActive digital users (2024): \u0026gt;12 million\u003c\/li\u003e\n\u003cli\u003eBenefit: higher transaction frequency, fee income, customer stickiness\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank omnichannel surge: Digibank dominates, branches \u0026amp; ATMs drive lending \u0026amp; onboarding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank channels: Digibank handles ~78% transaction volume and 85% retail logins (2025), \u0026gt;1.2M concurrent sessions, 99.95% uptime; branches drive 28% corporate loan origination and 42% wealth onboarding (2024) with 70% smart kiosks; 8,200 ATMs\/3,400 CDMs processed ~2.1B txns and VND1,750T value (2024); direct sales closed 40% new corporate accounts and VND18T loans (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metrics (2024-25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigibank\u003c\/td\u003e\n\u003ctd\u003e78% txns, 85% logins, \u0026gt;1.2M concurrent, 99.95% uptime (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e28% corp loans, 42% wealth onboarding, 70% smart kiosks (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/CDMs\u003c\/td\u003e\n\u003ctd\u003e8,200\/3,400, ~2.1B txns, VND1,750T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect sales\u003c\/td\u003e\n\u003ctd\u003e40% new corp accounts, VND18T loans (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers millions of retail clients using savings, debit cards, and personal loans; Vietcombank served ~16.3 million retail customers and held 14.5% market share in Vietnam's deposits in 2024. The bank targets mass market with digital apps, 1,000+ branches\/ATMs, and by 2025 prioritizes Gen Z-aiming for a 25% share of new digital accounts via lifestyle features and partnerships.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAffluent clients seeking wealth preservation and sophisticated investments form a high-margin segment for Vietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam); VCB Priority served 2024 AUM of ~USD 3.2 billion and yields fee income ~2.1% of total revenues. The bank targets them with premium credit cards, private banking, and specialized insurance products, plus personalized advisory and concierge services to retain clients with average deposits \u0026gt;USD 250k.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs drive Vietcombank's 2025 growth push, needing working capital, payroll, and business insurance; the bank targets expanding SME loans to lift its domestic credit share, with SME lending up 7.8% y\/y to VND 120 trillion in 2024. Vietcombank offers tailored credit packages and a digital business banking platform serving 1.2 million SME accounts, plus bundled insurance and cash-management tools.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and State Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietcombank holds a leading share in serving Vietnam's top corporates and SOEs, underwriting syndicate loans and trade-finance deals often exceeding $500m; in 2024 its corporate loan book to large enterprises and SOEs was ~VND 320 trillion (≈$13.5bn).\u003c\/p\u003e\n\u003cp\u003eThese relationships span multi-year participation in national infrastructure and energy projects, providing project finance, FX hedging, and cash-management at sovereign scale.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMarket position: dominant with top-tier SOE clients\u003c\/li\u003e\n\u003cli\u003eTypical ticket: $50m-$500m+\u003c\/li\u003e\n\u003cli\u003e2024 corporate\/SOE exposure: ~VND 320 trillion\u003c\/li\u003e\n\u003cli\u003eKey services: syndications, trade finance, project finance, FX hedges\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInternational and institutional clients-foreign investors, multinationals in Vietnam, and international NGOs-seek Vietcombank for local market know-how plus global-standard service and a global correspondent network; Vietcombank handled $256 billion in trade transactions in 2024, underscoring its scale.\u003c\/p\u003e\n\u003cp\u003eThe bank offers specialized FX desks, custodial solutions, and cross-border payments, supporting 24\/7 SWIFT flows and connectivity to 1,200+ correspondent banks worldwide.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eForeign investors, multinationals, NGOs\u003c\/li\u003e\n\u003cli\u003e$256B trade flow (2024)\u003c\/li\u003e\n\u003cli\u003eFX desks, custody, cross-border payments\u003c\/li\u003e\n\u003cli\u003e1,200+ correspondent banks, 24\/7 SWIFT\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Banking Reach: 16.3M Retail, USD3.2B Affluent AUM, VND440T Loans, USD256B Trade\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail (~16.3M customers; 14.5% deposit share, 2024), Affluent (VCB Priority AUM ≈USD 3.2B; deposits \u0026gt;USD250k), SMEs (1.2M accounts; SME loans VND120T, +7.8% y\/y 2024), Large corporates\/SOEs (corporate loan book VND320T ≈USD13.5B), International (trade flows USD256B, 1,200+ correspondent banks).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e16.3M; 14.5% dep\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent\u003c\/td\u003e\n\u003ctd\u003eUSD3.2B AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003eVND120T; 1.2M acc\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp\/SOE\u003c\/td\u003e\n\u003ctd\u003eVND320T loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntl\u003c\/td\u003e\n\u003ctd\u003eUSD256B trade\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense on Deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor Vietcombank the biggest cost is interest on customer deposits; in 2024 interest expense equaled about VND 23.6 trillion, driven by term deposits, so the bank pushes a high CASA mix (CASA ratio ~36% in 2024) to lower funding costs. Managing cost of funds preserves NIM-Vietcombank reported a NIM ~2.9% in 2024, so even a 50 bps CASA improvement could raise NIM materially.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology and Digitalization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIn 2025, Vietcombank directs substantial CAPEX and OPEX to IT and digitalization-about 8-10% of operating expenses or roughly VND 2.3-2.8 trillion (~USD 95-115 million) for cybersecurity, cloud, software licenses, and feature development-viewed as essential to sustain competitive edge and drive cost-efficiency in operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Human Resources\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStaff salaries, benefits, and training account for roughly 35-40% of Vietcombank's (Joint Stock Commercial Bank for Foreign Trade of Vietnam) operating expenses, with 2024 personnel costs reported near VND 6.2 trillion (~USD 260M) on total OPEX of VND 15.8 trillion. Hiring and retaining tech and finance specialists raised average senior hire compensation by ~22% since 2021, and annual upskilling programs cost ~VND 220 billion (~USD 9.2M).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure and Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank's nationwide branch\/ATM network drives large rental and maintenance expenses; in 2024 Vietcombank reported branch-related operating costs ~VND 3,200 billion (~USD 137m) driven by prime-location rents and routine upkeep.\u003c\/p\u003e\n\u003cp\u003eHigh-traffic branches still carry disproportionate staff, utilities, security, and depreciation costs despite footprint optimization; ATM maintenance and security accounted for ~8% of channel costs in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBranch rent \u0026amp; maintenance: ~VND 3,200 billion (2024)\u003c\/li\u003e\n\u003cli\u003eATM\/security\/utilities: ~8% of channel costs (2024)\u003c\/li\u003e\n\u003cli\u003eDepreciation: steady annual charge from physical assets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Brand Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietcombank spends heavily on marketing-about VND 1,120 billion in 2024 (≈USD 47.5M)-funding digital campaigns, major-event sponsorships, and the VCB Rewards loyalty program to retain market leadership and win new customers.\u003c\/p\u003e\n\u003cp\u003eStrong brand management sustains customer trust, which supports lower funding costs and higher fee income; brand-related spend is treated as strategic investment tied to long-term ROE and customer lifetime value.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 marketing spend: VND 1,120 billion (~USD 47.5M)\u003c\/li\u003e\n\u003cli\u003eChannels: digital ads, event sponsorships, VCB Rewards\u003c\/li\u003e\n\u003cli\u003eGoal: maintain market share, reduce funding cost, increase fee income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCosts heavy: VND 23.6T interest, major OPEX; 50bp CASA lift could boost NIM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: 2024 interest expense VND 23.6T; personnel VND 6.2T (35-40% OPEX); branch rent\/maintenance VND 3,200B; marketing VND 1,120B; IT\/digital CAPEX\/OPEX ~VND 2.3-2.8T (2025). A 50bp CASA lift (CASA ~36% in 2024) could materially raise NIM (~2.9% in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024 value\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest expense\u003c\/td\u003e\n\u003ctd\u003eVND 23.6T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003eVND 6.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch costs\u003c\/td\u003e\n\u003ctd\u003eVND 3,200B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eVND 1,120B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT spend (2025)\u003c\/td\u003e\n\u003ctd\u003eVND 2.3-2.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income is the bank's main revenue, equal to interest on loans minus interest on deposits; in 2025 Vietcombank reported NII growth to about VND 38.2 trillion as retail, mortgage, corporate loans and government bond holdings widened the margin. The bank shifted toward higher-yield retail and SME lending, raising average loan yield by ~75 bps while deposit cost rose ~10 bps, boosting net interest margin to ~2.8%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayment and Service Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam) earns substantial non‑interest income from transaction and service fees-wire transfers, ATM withdrawals, account maintenance and card fees-totaling VND 7.4 trillion in 2024 (≈USD 314 million), about 12% of fee income; digital channels drove 68% of transactions, raising low‑value fee volumes and stabilizing recurring revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank earns substantial bancassurance commissions from selling FWD Vietnam products via its 2025 branch and digital network, driving non-interest income-bancassurance fees rose ~18% y\/y in 2024 to about VND 3,200 billion, supported by upfront commissions and recurring renewal fees as Vietnam life-insurance penetration climbed to ~10% of GDP in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange and Trading Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietcombank, Vietnam's top trade-finance bank, earned about 24% of 2024 net operating income from FX and trading, driven by spreads on import-export FX flows and proprietary FX\/gold trading that posted VND 4,200 billion in realized gains in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24% of 2024 operating income from FX\/trading\u003c\/li\u003e\n\u003cli\u003eVND 4,200 bn realized trading gains (2024)\u003c\/li\u003e\n\u003cli\u003ePrimary revenue: FX spreads for import-export clients\u003c\/li\u003e\n\u003cli\u003eMarket volatility boosts proprietary trading upside\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank earns advisory and underwriting fees from IPOs, bond issuances, and M\u0026amp;A for large corporates; in 2025 Vietnam's capital markets saw a 22% rise in bond issuance volume and a 14% increase in IPO proceeds, lifting investment-banking fees to ~8-10% of fee income for major banks.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAdvisory, underwriting, ECM\/Debt fees\u003c\/li\u003e\n\u003cli\u003eIPOs, bonds, M\u0026amp;A focus\u003c\/li\u003e\n\u003cli\u003e2025: +22% bond volume, +14% IPO proceeds\u003c\/li\u003e\n\u003cli\u003eFees ≈8-10% of fee income for top banks\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietcombank 2025: NII-led growth (VND38.2T, NIM~2.8%); fees, trading lift income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietcombank's 2024-25 revenue mix: NII dominant (VND 38.2T NII in 2025; NIM ~2.8%), fee income VND 7.4T (2024), bancassurance VND 3.2T (2024), trading gains VND 4.2T (2024; FX\/trading ≈24% of operating income), IB fees ~8-10% of fees (2025: bond vol +22%, IPO proceeds +14%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII (2025)\u003c\/td\u003e\n\u003ctd\u003eVND 38.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e~2.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 7.4T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 3.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrading gains (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 4.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347846013259,"sku":"vietcombank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/vietcombank-canvas-business-model.webp?v=1779166837","url":"https:\/\/valuechainanalysis.com\/products\/vietcombank-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}