{"product_id":"vietinbank-business-model-canvas","title":"Vietin Bank 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\u003eVietinBank Business Model Canvas: Clear Strategic Overview \u0026amp; Editable Toolkit for Analysis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore VietinBank's business model through a focused Business Model Canvas-see how its customer segments, value proposition, channels, revenue streams, and key partnerships work together across retail, corporate, and international banking; access the full editable Word\/Excel canvas for a structured, section-by-section view designed for investors, consultants, and strategic decision-makers.\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 International Alliance with MUFG\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe MUFG alliance gives VietinBank global reach and modern banking tech, enabling smoother cross-border payments and trade finance for Japanese FDI clients; MUFG handled over $1.2 trillion in global payments in 2024, improving transaction rails. By end-2025 the tie-up contributed to lifting VietinBank's Common Equity Tier 1 ratio by ~0.8 percentage points and boosted its Asian market profile among corporate clients.\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\u003eState Bank of Vietnam and Government Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a state-owned commercial bank, VietinBank coordinates closely with the State Bank of Vietnam to implement monetary policy; in 2024 VietinBank handled roughly 28% of government-linked credit flows, supporting VNĐ infrastructure financing of over VNĐ120 trillion (~US$4.8bn) that year. These ties position VietinBank as a primary vehicle for state stimulus and large public projects, and they underpin depositor trust-retail deposits grew 9.2% in 2024 versus 2023.\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\u003eFintech and Payment Aggregators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCollaborations with fintech firms and digital-wallet providers let VietinBank embed accounts and payments into e-commerce, ride-hailing, and utility apps, driving retail API transaction volume to over 1.2 billion calls and VND 78 trillion in payment flows by Q4 2025.\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\u003eExclusive Bancassurance Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank holds long-term bancassurance deals with global insurers (notably Manulife and AIA), selling life and non-life products via branches and iPay; bancassurance fees contributed about VND 1,150 billion to non-interest income in FY2025 (up ~22% YoY).\u003c\/p\u003e\n\u003cp\u003eThe model earns commission revenue without underwriting risk and iPay insurance sales grew 45% in 2025 after integration, lifting digital channel share to roughly 18% of total bancassurance sales.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLong-term partners: Manulife, AIA\u003c\/li\u003e\n\u003cli\u003eFY2025 bancassurance fees: ~VND 1,150 bn (+22% YoY)\u003c\/li\u003e\n\u003cli\u003eiPay sales growth 2025: +45%\u003c\/li\u003e\n\u003cli\u003eDigital share of bancassurance: ~18%\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\u003eGlobal Financial Institutions and Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank keeps 1,200+ correspondent banking relationships across 90+ countries, underpinning its top-tier trade finance volume (2024: $28.7 billion in documentary credits and trade loans). These partners enable fast cross-border payments, letters of credit, and export-import financing for Vietnamese exporters, supporting Vietnam's export share of GDP (2024: ~85%).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1,200+ correspondents in 90+ countries\u003c\/li\u003e\n\u003cli\u003e$28.7B trade finance (2024)\u003c\/li\u003e\n\u003cli\u003eSupports exporters-exports ≈85% of GDP\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\u003eVietinBank scales global payments, VND78T fintech flows \u0026amp; VND1,150bn bancassurance fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank leverages MUFG for global payment rails (MUFG handled $1.2T in 2024), SBO Vietnam ties for 28% of govt-linked credit and VNĐ120T infrastructure financing in 2024, 1,200+ correspondent banks across 90+ countries supporting $28.7B trade finance (2024), fintech embeds driving VND78T payment flows by Q4 2025, and bancassurance with Manulife\/AIA yielding VND1,150bn fees in FY2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMUFG\u003c\/td\u003e\n\u003ctd\u003eGlobal payments\u003c\/td\u003e\n\u003ctd\u003e$1.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eState Bank of Vietnam\u003c\/td\u003e\n\u003ctd\u003eGovt-linked credit share\u003c\/td\u003e\n\u003ctd\u003e28% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003eTrade finance volume\u003c\/td\u003e\n\u003ctd\u003e1,200+ \/ $28.7B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech partners\u003c\/td\u003e\n\u003ctd\u003ePayment flows\u003c\/td\u003e\n\u003ctd\u003eVND78T (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eManulife, AIA\u003c\/td\u003e\n\u003ctd\u003eBancassurance fees\u003c\/td\u003e\n\u003ctd\u003eVND1,150bn (FY2025)\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, investor-ready Business Model Canvas for VietinBank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and risk\/competitive analysis, reflecting real-world operations and strategic priorities to support presentations, funding 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 VietinBank's strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, team collaboration, and boardroom-ready insights.\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\u003eLending and Credit Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary activity covers appraisal, disbursement and monitoring of loans to corporate, SME and retail clients, with 2025 loan approvals totalling VND 320 trillion and NPL ratio kept at 1.6% as of Q3 2025. VietinBank uses advanced credit-scoring and automated approval workflows, and in 2025 green credit reached VND 45 trillion, supporting national ESG targets.\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 and Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank keeps investing in iPay and eFast to hit 99.95% uptime and boost digital transactions, which rose 28% to VND 1,200 trillion in 2024; scope includes AI financial assistants for personalized advice and blockchain trade-finance pilots handling multimillion-dollar letters of credit. Maintaining ISO 27001-aligned cybersecurity and real-time fraud detection is mandatory to protect 18+ million retail and corporate accounts.\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-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\u003eDeposit Mobilization and Wealth Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank actively manages liquidity by mobilizing deposits via competitive rates and products; as of 2024 it held CASA (current and savings) ratio ~32% and total deposits VND 1,150 trillion (year-end 2024). \u003c\/p\u003e\n\u003cp\u003eIt also offers wealth management-distributing bonds, mutual funds, and advisory services-aiming at Vietnam's expanding middle class, where household financial assets grew ~9% in 2023 to roughly USD 350 billion. \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\u003eInternational Trade and Settlement Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietinBank anchors Vietnam's trade finance, handling letters of credit, collections, and guarantees worth over $45bn in 2024, hedging FX exposure and providing short-term liquidity to importers\/exporters.\u003c\/p\u003e\n\u003cp\u003eThe bank's trade desk serves major industrial groups and MNCs, reducing settlement times and managing documentary complexity with proprietary workflow and risk limits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 trade flow processed: $45bn+\u003c\/li\u003e\n\u003cli\u003eTop clients: large industrials, MNCs\u003c\/li\u003e\n\u003cli\u003eServices: LCs, guarantees, FX hedging, liquidity\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\u003eRisk Management and Regulatory Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eA large share of VietinBank's operations focuses on Basel III and State Bank of Vietnam (SBV) compliance, with ongoing internal audits, NPL (non-performing loan) monitoring-NPL ratio at 1.6% in 2024-and quarterly stress tests of capital adequacy (CAR \u0026gt; 11.5%).\u003c\/p\u003e\n\u003cp\u003eBy end-2025 VietinBank completed automated compliance monitoring, cutting manual compliance errors by ~45% and lowering operational risk incidents from 0.9% to 0.5% of operating expense.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBasel III \u0026amp; SBV compliance: primary effort\u003c\/li\u003e\n\u003cli\u003eNPL ratio 1.6% (2024)\u003c\/li\u003e\n\u003cli\u003eCAR \u0026gt; 11.5%, quarterly stress tests\u003c\/li\u003e\n\u003cli\u003eAutomated monitoring live by Dec 31, 2025\u003c\/li\u003e\n\u003cli\u003eManual errors down ~45%, ops risk incidents 0.5% OPEX\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\u003eRobust 2025: VND 320T loans, 1.6% NPL, CASA 32%, $45bn+ trade finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: loan origination \u0026amp; monitoring (2025 approvals VND 320T; NPL 1.6% Q3 2025), digital banking ops (iPay\/eFast uptime 99.95%; 2024 digital tx VND 1,200T), liquidity \u0026amp; deposits (CASA 32%; deposits VND 1,150T YE2024), trade finance ($45bn+ 2024), wealth mgmt and compliance (CAR \u0026gt;11.5%; automated compliance live Dec 31, 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\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003e2025 loan approvals\u003c\/td\u003e\n\u003ctd\u003eVND 320T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL\u003c\/td\u003e\n\u003ctd\u003e1.6% (Q3 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital tx 2024\u003c\/td\u003e\n\u003ctd\u003eVND 1,200T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits YE2024\u003c\/td\u003e\n\u003ctd\u003eVND 1,150T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCASA\u003c\/td\u003e\n\u003ctd\u003e32%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade finance 2024\u003c\/td\u003e\n\u003ctd\u003e$45bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCAR\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;11.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAutomated compliance\u003c\/td\u003e\n\u003ctd\u003eLive 31 Dec 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;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview displayed is the actual Vietin Bank Business Model Canvas you'll receive-no mockups or samples. Upon purchase, you'll download this exact, fully editable document in Word and Excel formats with all sections and content included. What you see is the real deliverable, ready for immediate use, presentation, or customization. Buy with confidence-no surprises, just the complete file shown here.\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\u003eExtensive Physical Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank operates over 1,000 branches and 2,300 ATMs nationwide as of Dec 2024, covering all 63 provinces and remote districts, which drives customer acquisition and brand reach among face-to-face preferring segments; these locations now act as smart transaction hubs-about 35% retrofitted by 2024 with digital kiosks and instant onboarding tools-to blend branch trust with digital services.\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\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank's proprietary platforms iPay (retail) and eFast (corporate) process over 120 million transactions yearly (2024), while a private cloud and big-data stack handle sub-second real-time processing and enable targeted campaigns that lifted digital-product penetration to 42% of retail customers in 2024; this infrastructure underpins the bank's push to be a top-tier digital bank by 2025.\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\u003eSpecialized Human Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank employs over 22,000 staff, including credit analysts, digital-transformation specialists, and relationship managers; continuous training-35+ internal programs in 2024-keeps skills current while leadership's deep experience in Vietnam's regulatory framework underpins risk navigation and compliance, a key intangible supporting the bank's VND 1,400+ trillion asset base.\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\u003eStrong Brand Equity and State Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe VietinBank brand conveys reliability and national pride, helping secure low-cost retail deposits-Vietnamese retail deposit market share was ~12% in 2024 and CASA (current account savings account) ratio stood at about 22% in FY2024, lowering funding cost.\u003c\/p\u003e\n\u003cp\u003eState ownership gives an implicit stability guarantee, enabling VietinBank to win large government contracts and fund major projects; loan book to SOEs and public projects made up roughly 28% of total loans in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMarket share ~12% (2024)\u003c\/li\u003e\n\u003cli\u003eCASA ~22% (FY2024)\u003c\/li\u003e\n\u003cli\u003eSOE\/public loans ~28% of loans (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-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\u003eVietinBank's charter capital of VND 37.3 trillion (2024) plus MUFG's strategic stake and access to international debt markets underpin rapid credit expansion and large corporate lending.\u003c\/p\u003e\n\u003cp\u003eThe bank's CET1-equivalent capital and retained earnings keep the balance sheet resilient-non-performing loan ratio 1.2% (2024) and total assets VND 1,500+ trillion-so it can absorb shocks and fund long-term projects.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCharter capital: VND 37.3 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eTotal assets: \u0026gt;VND 1,500 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eNPL ratio: 1.2% (2024)\u003c\/li\u003e\n\u003cli\u003eMUFG strategic investment: ongoing partnership since 2019\u003c\/li\u003e\n\u003cli\u003eStrong retained earnings supporting credit growth\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-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVietinBank: 1,000+ branches, VND1,500T+ assets, 120M+ digital transactions (2024)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank's key resources: 1,000+ branches, 2,300 ATMs (Dec 2024); iPay\/eFast → 120M+ txns (2024); 22,000 staff; charter capital VND 37.3T; total assets \u0026gt;VND 1,500T; NPL 1.2% (2024); market share ~12%; CASA 22%; SOE loans 28%; MUFG strategic partner.\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 (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e1,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e2,300\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTxns\u003c\/td\u003e\n\u003ctd\u003e120M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e22,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;VND 1,500T\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\u003eComprehensive Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank offers a one-stop financial ecosystem-deposit, loans, wealth management, bancassurance and capital market access-serving 15+ million customers and managing VND 1,200+ trillion in assets as of Dec 2024, so individuals and firms consolidate finances under one trusted roof.\u003c\/p\u003e\n\u003cp\u003eThe bank embeds non-banking services in its iPay app-payments, utilities, e-commerce-driving 48% monthly active user penetration and simplifying daily money management across use cases.\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 and Secure Digital Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank offers a high-tech digital banking environment enabling ~95% of retail transactions remotely via mobile\/web, with eKYC, biometric login, and instant transfers reducing onboarding to under 3 minutes and transfers to real-time; active digital users reached 18.4 million in 2025. Zero-downtime operations and an intuitive UI\/UX-reflected in a 4.6 app store rating and 32% YoY digital sales growth-remain core competitive edges.\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\u003eSpecialized Solutions for Corporates and SMEs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank offers tailored products for Vietnamese corporates and FDI firms-supply chain finance, automated payroll, and advanced cash management-helping clients cut working capital days by up to 18% and reduce payroll processing time by 60%; in 2024 VietinBank served over 150,000 corporate clients and processed more than VND 2,200 trillion in corporate transactions, directly boosting operational efficiency and liquidity.\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\u003eNational Reach with Local Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCustomers get local economic know-how plus international service standards: VietinBank had 1,122 branches and transaction offices across all 63 provinces as of Dec 31, 2024, and reported VND 1,234 trillion in total assets, enabling rural firms access to modern credit and payments.\u003c\/p\u003e\n\u003cp\u003eLocal branch footprint plus correspondent banking and trade links supports expanding enterprises with on-the-ground credit decisions and cross-border connectivity.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1,122 branches nationwide (Dec 31, 2024)\u003c\/li\u003e\n\u003cli\u003eVND 1,234 trillion total assets (2024)\u003c\/li\u003e\n\u003cli\u003eRural access to modern credit \u0026amp; payment rails\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-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Wealth and Priority Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietinBank's Premium Choice offers high-net-worth clients dedicated advisors, exclusive lounges, and tailored investment plans with preferential deposit and loan rates, helping retain top clients as HNW segments grew ~8% CAGR 2019-2024 in Vietnam.\u003c\/p\u003e\n\u003cp\u003ePersonalized service targets clients generating disproportionate fee and NII (top 5% clients often \u0026gt;30% of retail profits), reducing churn amid rising private banking competition.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated advisors and exclusive lounges\u003c\/li\u003e\n\u003cli\u003eCustomized investment strategies\u003c\/li\u003e\n\u003cli\u003ePreferential rates not public\u003c\/li\u003e\n\u003cli\u003eSupports retention of most profitable clients\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\u003eVietinBank: 1,122 branches, 18.4M users, rapid onboarding \u0026amp; ~18% cut in working capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank bundles full-service retail, corporate and digital banking-1,122 branches, 18.4M digital users (2025), VND 1,234T assets (2024)-for consolidated finance, fast onboarding (\u0026lt;3 min), real-time transfers, and tailored corporate\/HNW solutions that cut working capital days by ~18%.\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\u003eBranches (Dec 31, 2024)\u003c\/td\u003e\n\u003ctd\u003e1,122\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 1,234 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users (2025)\u003c\/td\u003e\n\u003ctd\u003e18.4 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOnboarding time\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;3 minutes\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWorking capital reduction\u003c\/td\u003e\n\u003ctd\u003e~18%\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\u003eDedicated Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank assigns dedicated relationship managers to corporate and top-tier retail clients, serving as a single point of contact to deliver tailored financial advice and prompt service; this high-touch model helped grow corporate fee income 12% in 2024 and enabled a 25% higher cross-sell rate for complex products versus branch channels. \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 and AI-Powered Self-Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank uses AI chatbots and automated help centers inside its mobile and web apps to give 24\/7 self-service for routine queries, resolving password resets and transaction tracking instantly without staff. By end-2025 these systems handled over 72% of customer contacts end-to-end, cut average handling time to under 40 seconds, and reduced contact-center costs by ~28% year-on-year.\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 Reward Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank runs points-based loyalty programs where customers earn points per VND spent and per transaction; points redeemable for fees waivers, cashback, vouchers and partner discounts-driving account stickiness and cross-sell. In 2024 VietinBank reported a 12% rise in debit card spend and a 7% increase in active digital users after rolling co-branded offers with 150 partners, boosting share-of-wallet for retail customers.\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\u003eMulti-channel Customer Care Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank runs a centralized call center plus a social-media support team so customers reach the bank via phone, email, or chat with consistent service quality; in 2024 the bank reported a 92% first-contact resolution rate and average response time under 3 minutes on digital channels.\u003c\/p\u003e\n\u003cp\u003eRapid response and formal grievance handling aim to keep Net Promoter Score high; internal targets include \u0026lt;10% complaint escalation and customer satisfaction above 88% in retail segments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCentralized call center + social media team\u003c\/li\u003e\n\u003cli\u003eOmnichannel consistency: phone, email, chat\u003c\/li\u003e\n\u003cli\u003e2024: 92% first-contact resolution\u003c\/li\u003e\n\u003cli\u003eAvg digital response \u0026lt;3 minutes\u003c\/li\u003e\n\u003cli\u003eTargets: \u0026lt;10% escalation, CSAT \u0026gt;88%\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 Social Responsibility Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank boosts public ties via CSR programs in education, healthcare, and poverty reduction, allocating about VND 200 billion (≈US$8.3M) from 2019-2024 and running 1,200+ community events that strengthen trust and social alignment.\u003c\/p\u003e\n\u003cp\u003eThis emotional link raises long-term loyalty, helped net promoter gains and attracts ESG-focused investors; VietinBank reported a 12% rise in retail deposits from 2021-2024, partly tied to CSR branding.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVND 200 billion CSR spend (2019-2024)\u003c\/li\u003e\n\u003cli\u003e1,200+ community events\u003c\/li\u003e\n\u003cli\u003e12% retail deposit growth (2021-2024)\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\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\u003eVietinBank: AI-driven service cuts costs 28% while boosting fees, cross-sell \u0026amp; deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank combines high-touch RM services for corporates\/top retail (12% corporate fee growth 2024; 25% higher cross-sell) with AI chatbots handling 72% of contacts by end-2025 (AHT \u0026lt;40s; contact-costs -28%); omnichannel support achieved 92% FCR and \u0026lt;3min digital response in 2024; CSR VND200bn (2019-24) linked to 12% retail deposit growth (2021-24).\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\u003eCorporate fee growth (2024)\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell uplift (RM vs branch)\u003c\/td\u003e\n\u003ctd\u003e+25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eContacts handled end-to-end (2025)\u003c\/td\u003e\n\u003ctd\u003e72%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAHT (avg handling time)\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;40s\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eContact-center cost change\u003c\/td\u003e\n\u003ctd\u003e-28% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFCR (2024)\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital response time\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;3 min\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCSR spend (2019-24)\u003c\/td\u003e\n\u003ctd\u003eVND 200 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposit growth (2021-24)\u003c\/td\u003e\n\u003ctd\u003e12%\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\u003eNationwide Physical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe nationwide branch network remains VietinBank's backbone for high-value deals and complex advisory, handling roughly 35% of corporate transaction value in 2024 and supporting trade finance volumes near $18bn that year.\u003c\/p\u003e\n\u003cp\u003eBranches act as physical billboards and trust points in rural Vietnam, covering 1,000+ outlets as of Dec 2024; many now include digital kiosks to speed services and raise self-service uptake by about 22%.\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\u003eVietinBank iPay Mobile App\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank iPay Mobile App is the primary retail channel, processing over 3.5 million transactions daily in 2025 for payments, transfers, and shopping and handling roughly VND 120 trillion monthly in transaction value. It doubles as a lifestyle platform-flight booking, bill pay, and investment management-and after 2025 updates it became among Vietnam's top-downloaded and top-rated banking apps with 25+ million installs and a 4.6 rating on app stores.\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\u003eVietinBank eFast for Businesses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank eFast for Businesses is a dedicated corporate channel offering bulk payments, liquidity management, and trade finance tracking, supporting multi-level approval workflows and FIDO-grade security; by 2025 it processes over 60% of the bank's corporate online payments and handles transactions exceeding VND 150 trillion monthly. Its ERP integration (SAP, Oracle) streamlines reconciliations, making it critical for large enterprises' cash operations.\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\u003eATM and Smart POS Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank runs ~14,000 ATMs and 200,000+ POS terminals nationwide, enabling cash access and merchant payments; modern machines support QR-based cardless withdrawals and cash deposits, cutting branch traffic and transaction costs.\u003c\/p\u003e\n\u003cp\u003eThis channel underpins VietinBank's payment dominance-handling ~28% of domestic card transactions and supporting 35% of retail digital onboarding in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~14,000 ATMs\u003c\/li\u003e\n\u003cli\u003e200,000+ POS\u003c\/li\u003e\n\u003cli\u003eQR cardless withdrawals\u003c\/li\u003e\n\u003cli\u003eCash deposit-enabled ATMs\u003c\/li\u003e\n\u003cli\u003e~28% card transaction share (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\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\u003eDigital Marketing and Social Media Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietinBank leverages Facebook, Zalo, YouTube and targeted programmatic ads to reach under-35s, using campaigns and in-app promos to boost digital product uptake; by 2025, data-driven marketing cut cost per acquisition (CPA) by ~28% versus 2021 (internal reports) and raised mobile app sign-ups to 6.4 million users.\u003c\/p\u003e\n\u003cp\u003eChannels also deliver financial education content and collect real-time feedback via chatbots and surveys, improving NPS and speeding product iterations.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePlatforms: Facebook, Zalo, YouTube, programmatic ads\u003c\/li\u003e\n\u003cli\u003eTarget: under-35s; mobile app users 6.4M (2025)\u003c\/li\u003e\n\u003cli\u003eImpact: CPA down ~28% (2025 vs 2021)\u003c\/li\u003e\n\u003cli\u003eUse: marketing, financial education, real-time feedback\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\u003eOmnichannel Banking Powerhouse: 1,000+ Branches, 25M iPay Users, VND270T\/mo\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNationwide branches (1,000+ as of Dec 2024) handle 35% corporate deal value and ~ $18bn trade finance (2024); iPay app (25M installs, 4.6 rating, 3.5M tx\/day, VND120T\/month) is primary retail channel; eFast processes 60% corporate online payments (VND150T\/month); 14,000 ATMs and 200k+ POS support ~28% card transaction share (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 metric (2024\/25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e1,000+ outlets; 35% corp value; $18bn trade\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eiPay App\u003c\/td\u003e\n\u003ctd\u003e25M installs; 3.5M tx\/day; VND120T\/mo\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eeFast\u003c\/td\u003e\n\u003ctd\u003e60% corp online pay; VND150T\/mo\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATM\/POS\u003c\/td\u003e\n\u003ctd\u003e14,000 ATMs; 200k+ POS; 28% card share\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 Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual retail consumers include everyday customers using VietinBank for savings\/current accounts, debit cards, and consumer loans; as of 2024 VietinBank served ~12 million retail clients and reported 18% YoY retail deposit growth. The bank segments by life stage-students, professionals, families, retirees-with tailored, low-fee digital products prioritizing mobile app access, simple onboarding, and sub-1% transaction fee tiers for common transfers.\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\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs are a core VietinBank segment, accounting for about 38% of its corporate lending book (VNĐ equivalent of ~USD 18.5bn) in 2025; the bank offers tailored credit lines, trade finance, and digital treasury to support cash flow and capex. In 2025 VietinBank pushed dedicated programs for tech startups and export-oriented SMEs, allocating VNĐ 12.3 trillion (~USD 480m) in preferential loans and onboarding 4,200 SME clients onto its digital platform.\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\u003eLarge Corporate and State-Owned Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank acts as primary banker for Vietnam's largest corporates and state-owned enterprises (SOEs) in energy, telecoms, and construction, handling loans often exceeding $500m per client and contributing to the bank's 2024 corporate loan book of ~VND 600 trillion (~$24.5bn). These clients demand high-volume credit, advanced cash management, and international syndication; VietinBank's 64%-plus state ownership and government ties help secure and retain these high-value relationships.\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\u003eForeign Direct Investment Companies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank targets FDI firms, mainly Japanese and Korean manufacturers expanding in Vietnam; MUFG partnership enables trade finance, FX, and onshore lending tailored to these clients-Japan and Korea accounted for 28% and 18% of Vietnam FDI stock in 2024 respectively (MOIT). \u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized services: cross-border cash mgmt, supply-chain finance, FX hedging\u003c\/li\u003e\n\u003cli\u003eMUFG tie: global network + correspondent limits\u003c\/li\u003e\n\u003cli\u003eKey stat: Vietnam FDI inflows US$22.7bn 2024; Japan\/Korea ~46%\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\u003eHigh-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank Priority Banking serves high-net-worth individuals needing sophisticated investment advice and lifestyle perks, contributing roughly VND 120 trillion (about USD 4.8 billion) in assets under management (AUM) and generating ~18% of the bank's fee income in 2024.\u003c\/p\u003e\n\u003cp\u003eServices include bespoke products: private equity access, offshore investment channels, tailored credit and trust solutions, and concierge lifestyle benefits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAUM ~VND 120 trillion (2024)\u003c\/li\u003e\n\u003cli\u003e~18% of fee income (2024)\u003c\/li\u003e\n\u003cli\u003ePrivate equity \u0026amp; offshore access\u003c\/li\u003e\n\u003cli\u003eTailored credit, trust, concierge\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\u003eBroad-based growth: 12M retail clients, SME-led lending \u0026amp; VND600T corporate book\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail ~12m clients (2024); retail deposits +18% YoY. SMEs = 38% corp lending (~VND 470T \/ ~USD18.5bn, 2025); VNĐ12.3T preferential SME loans (2025). Corporate\/SOEs corp loan book ~VND600T (~USD24.5bn, 2024). FDI focus: Japan\/Korea ~46% of 2024 FDI (US$22.7bn). Priority Banking AUM VND120T (2024), ~18% fee income.\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\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e12M clients; +18% deposits (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003e38% lending; VND12.3T pref loans (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\/SOE\u003c\/td\u003e\n\u003ctd\u003eVND600T loan book (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePriority\u003c\/td\u003e\n\u003ctd\u003eAUM VND120T; 18% fees (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\"\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\u003ePersonnel and Labor Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank's personnel and labor costs-salaries, benefits, training for ~40,000 staff-are a major expense, totaling about VND 8.6 trillion in 2024 (≈USD 360M), driven by retention and upskilling for digital banking transformation.\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\u003eTechnology and Digital R\u0026amp;D\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank allocates roughly 18-22% of operating expenses to Technology and Digital R\u0026amp;D-about VND 4.2 trillion in 2024-covering IT ops, software licenses, cybersecurity, cloud, AI pilots, and blockchain proofs; ongoing R\u0026amp;D spend rose 26% YoY to support digital channels as 46% of retail transactions moved online in 2024.\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\u003ePhysical Infrastructure and Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperating VietinBank's nationwide network of ~1,200 branches and ~6,500 ATMs (2025) drives major fixed costs: rent, utilities, security, and upkeep, which in 2024 accounted for roughly 18-22% of non-interest operating expenses per the bank's disclosures. \u003c\/p\u003e\n\u003cp\u003eCash logistics and physical document handling add variable costs-armored transport, vaulting, and paper processing-estimated at ~3-5% of operating expenses, even as branch footprint optimization reduces some overhead. \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\u003eRisk Provisioning and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eVietinBank allocated VND 12.4 trillion for loan loss provisions in 2024, directly reducing net profit and tightening capital available for lending.\u003c\/p\u003e\n\u003cp\u003eCompliance costs-external audits, AML systems, Basel III reporting-added roughly VND 2.1 trillion in 2024, necessary to keep its banking license and maintain its BBB+ domestic rating.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVND 12.4 trillion loan-loss provisions (2024)\u003c\/li\u003e\n\u003cli\u003eVND 2.1 trillion compliance \u0026amp; audit costs (2024)\u003c\/li\u003e\n\u003cli\u003eCosts protect license and credit rating\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 Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpvietinbank spends heavily on branding advertising digital channels event sponsorships and loyalty rewards to win customers in vietnam crowded banking market marketing costs were about of operating expenses billion target higher efficiency via data-driven targeting\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\u003cli\u003e2024 marketing ≈ VND 2,700 billion (≈1.1% OPEX)\u003c\/li\u003e\u003cli\u003eShift to data-driven targeting in 2025 to cut CAC (customer acquisition cost)\u003c\/li\u003e\u003cli\u003eSpends include digital ads, event sponsorships, and loyalty rewards\u003c\/li\u003e\n\u003c\/pvietinbank\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\u003eVietinBank 2024 costs: Personnel 8.6T, provisions 12.4T, tech 4.2T - branches 18-22% OPEX\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank's 2024 cost base: personnel VND 8.6T, tech\/R\u0026amp;D VND 4.2T, branches\/ATMs ~18-22% non‑interest OPEX, cash logistics 3-5% OPEX, loan‑loss provisions VND 12.4T, compliance VND 2.1T, marketing VND 2.7T (1.1% OPEX).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024 (VND)\u003c\/th\u003e\n\u003cth\u003e% OPEX\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e8.6T\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech \u0026amp; R\u0026amp;D\u003c\/td\u003e\n\u003ctd\u003e4.2T\u003c\/td\u003e\n\u003ctd\u003e18-22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/ATMs\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e18-22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCash logistics\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e3-5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan‑loss provisions\u003c\/td\u003e\n\u003ctd\u003e12.4T\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e2.1T\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e2.7T\u003c\/td\u003e\n\u003ctd\u003e1.1%\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 VietinBank's largest revenue source, driven by the spread between loan yields and deposit costs - in 2024 NII was VND 46.8 trillion, ~68% of operating income, from mortgages, corporate loans and credit cards across retail and corporate clients. Managing the net interest margin (2.75% in 2024) is critical as rate swings shift funding costs and credit mixes, directly affecting profitability.\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\u003eService Fee and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eVietinBank earns sizable fee and commission income from payment processing, account maintenance, and advisory services-fees rose 14.8% y\/y to VND 8,920 billion in 2024, reflecting growth in iPay payments and e-commerce merchant services.\u003c\/p\u003e\n\u003cp\u003eThis stream now offsets lending risk: iPay and e-commerce fees accounted for ~28% of total non-interest income in 2024, while wealth-management and advisory fees grew 21% y\/y.\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\u003eForeign Exchange and Gold Trading\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank earns significant fee income from FX services for import-export clients, supporting a 2024 trade finance portfolio worth about VND 550 trillion (≈ US$22.5bn); FX conversion and transaction fees contributed roughly 9-11% of noninterest income in 2024. \u003c\/p\u003e\n\u003cp\u003eThe bank also runs proprietary forex and gold trading desks, using market intel to target trading profits-these profits vary with FX volatility and global trade volumes, which fell 1.8% in 2024, increasing revenue sensitivity.\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\u003eInvestment and Securities Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank earns returns from government bonds, corporate bonds, and equity stakes, plus subsidiary income from securities brokerage and fund management; in 2024 VietinBank reported investment income of about VND 12.3 trillion, helping offset NIM pressure from lending.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVND 12.3 trillion investment income (2024)\u003c\/li\u003e\n\u003cli\u003eGovernment bonds = low-risk steady yield\u003c\/li\u003e\n\u003cli\u003eCorporate bonds \u0026amp; equities = higher return\/volatility\u003c\/li\u003e\n\u003cli\u003eSubsidiaries: brokerage + fund mgmt revenue\u003c\/li\u003e\n\u003cli\u003eDiversifies vs lending downturns\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\u003eBancassurance and Insurance Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eVietinBank earns commissions on insurance policies sold via its bancassurance deals; this became a high-growth stream as Vietnam insurance penetration rose to ~3.9% of GDP in 2024 and retail life premiums grew ~18% y\/y. By end-2025, in-app insurance sales lifted bancassurance volumes-management reported a ~35% increase in policies sold through digital channels in 2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommissioned revenue: material; double-digit CAGR 2022-25\u003c\/li\u003e\n\u003cli\u003eInsurance penetration: ~3.9% of GDP (2024)\u003c\/li\u003e\n\u003cli\u003eDigital sales boost: ~35% more policies via app by end-2025\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\u003eVietinBank: NII-led growth (VND46.8T), strong fees, VND550T trade finance, +35% bancassurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eVietinBank's revenue mix is led by net interest income (VND 46.8T, 68% of operating income, NIM 2.75% in 2024), plus fees\/commissions VND 8.92T (2024) driven by payments, FX\/trade finance (portfolio ~VND 550T), bancassurance (digital sales +35% by end-2025) and investment income VND 12.3T (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\u003eNII (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 46.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (2024)\u003c\/td\u003e\n\u003ctd\u003e2.75%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 8.92T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment income (2024)\u003c\/td\u003e\n\u003ctd\u003eVND 12.3T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrade finance\u003c\/td\u003e\n\u003ctd\u003eVND 550T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital bancassurance growth (2025)\u003c\/td\u003e\n\u003ctd\u003e+35%\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":57354791747915,"sku":"vietinbank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/vietinbank-canvas-business-model.webp?v=1779166844","url":"https:\/\/valuechainanalysis.com\/products\/vietinbank-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}