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Commercial Bank For Investment & Development Of Vietnam
CB Bank's Business Model Canvas: Strategy, Value, and Revenue Blueprint for Vietnam
Unlock the full strategic blueprint behind Commercial Bank For Investment & Development Of Vietnam's Business Model Canvas—discover how it creates customer value, structures partnerships, and monetizes services to dominate Vietnam’s banking sector.
Partnerships
Strategic Foreign Investor Hana Bank
As of late 2025, BIDV’s strategic foreign investor Hana Bank (South Korea) remains pivotal, supplying governance oversight and €300m-equivalent capital injections that helped BIDV lift CET1 toward a 10.5% target to align with Basel III phased rules.
Hana also delivers technical know-how in risk management and retail digital banking—supporting a 28% YoY rise in mobile users (2024–2025) and pilot AI credit-scoring that cut NPL formation by 22% in tested segments.
State Bank of Vietnam and Government Agencies
As a state-owned bank, BIDV (Bank for Investment and Development of Vietnam) works closely with the State Bank of Vietnam and the Ministry of Finance, which in 2024 guided BIDV’s role in financing government projects worth about VND 120 trillion (~USD 4.6 billion) and shaping interest-rate and liquidity policy implementation.
Fintech and Payment Ecosystem Partners
BIDV partners with major e-wallets MoMo and VNPay, integrating its accounts and QR payments to reach 60%+ of Vietnam’s digital pay users; in 2024 BIDV processed an estimated $8.2bn in retail digital transactions via partners. These alliances embed BIDV in daily spending for younger users and are critical by 2025 to defend market share in a cashless economy growing ~25% CAGR.
International Financial Institutions
The bank works closely with the World Bank, Asian Development Bank (ADB) and Japan International Cooperation Agency (JICA) to channel ODA—supporting over $2.1bn in infrastructure and green-energy financing for Vietnam from 2020–2024 and securing multi-year low-cost funding lines.
These ties boost BIDV’s green finance credentials, contributing to its 2024 target of ₫50trn in sustainable lending and raising its profile as a leader in climate-aligned development finance.
- Key partners: World Bank, ADB, JICA
- ODA mobilized: $2.1bn (2020–2024)
- 2024 sustainable lending target: ₫50trn
Insurance and Bancassurance Partners
BIDV partners with global insurers such as AIA and Prudential to offer wealth-management and protection packages, boosting non-interest income (fees and commissions grew 18% y/y to VND 12.4 trillion in 2024). Integration into BIDV SmartBanking enabled in-app policy sales and claims, raising digital insurance penetration to ~22% of retail customers by end-2024.
- Global insurer partners: AIA, Prudential
- Non-interest income: +18% y/y, VND 12.4T (2024)
- Digital insurance users: ~22% of retail base (2024)
- Channel: BIDV SmartBanking in-app sales & claims
BIDV’s partner ecosystem: €300M capital, $2.1B ODA, 60%+ digital reach, VND12.4T fees
BIDV’s key partners — Hana Bank, State Bank of Vietnam, MoMo, VNPay, World Bank, ADB, JICA, AIA, Prudential — supply capital (Hana €300m), policy access (VND120trn projects 2024), payments reach (60%+ digital users; $8.2bn transactions 2024), ODA lines ($2.1bn 2020–2024) and fee income lift (VND12.4T, +18% 2024).
| Partner | Key metric |
|---|---|
| Hana | €300m; CET1→10.5% |
| MoMo/VNPay | 60%+ users; $8.2bn |
| WB/ADB/JICA | $2.1bn ODA |
| AIA/Prudential | VND12.4T fees |
What is included in the product
Detailed Word Document
A concise, pre-built Business Model Canvas for the Commercial Bank for Investment & Development of Vietnam (BIDV) outlining customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and governance—aligned with BIDV’s real-world strategy and operations. Ideal for presentations, investor discussions, and strategic analysis, it includes SWOT-linked insights and competitive advantages across each BMC block.
Customizable Excel Spreadsheet
Condenses Commercial Bank for Investment & Development of Vietnam's strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, collaborative editing, and fast executive summaries for boardrooms and teams.
Activities
Credit Granting and Loan Management
BIDV primarily issues corporate loans, mortgages and consumer credit, totaling VND 1,150 trillion in outstanding loans at end-2024 (approx. USD 48.5bn), meeting industry credit demand. By end-2025 BIDV plans AI-driven credit scoring for risk assessment, aiming to cut non-performing loan ratio from 1.6% (2024) toward under 1.3%, so supporting a healthier loan book and Vietnam’s credit growth.
Digital Banking Transformation
BIDV updates digital infrastructure via BIDV SmartBanking (retail) and BIDV iBank (corporate), migrating legacy systems to AWS and private cloud—reducing batch processing time by 45% since 2023—and investing VNĐ1,200 billion in cybersecurity upgrades in 2024 to cut fraud incidents 32% year-on-year.
Treasury and Investment Banking
BIDV runs advanced treasury and investment banking: FX trading, bond issuance, and liquidity management to optimize its capital and offer hedges to corporates; in 2024 BIDV helped place over VND 22 trillion (≈US$900m) in corporate bonds and increased proprietary trading to support market making.
Retail and Private Banking Services
BIDV is scaling retail and private banking via dedicated BIDV Private Banking centers launched in 2024, targeting HNW clients with personalized advisory and wealth management; retail deposits rose 8.9% YoY to VND 450 trillion in 2025, supporting cross-sell of investment and insurance products to boost fee income.
- Private Banking centers launched 2024
- Retail deposits VND 450 trillion (2025, +8.9% YoY)
- Product bundling and loyalty drives higher CLV
- Focus on advisory, wealth mgmt, and fee income growth
ESG and Sustainable Finance Implementation
BIDV: VND1,150T loans, VND450T deposits, $1.2bn green lending, 45% faster batch
BIDV issues corporate, mortgage and consumer loans (VND 1,150T outstanding, end‑2024 ≈ US$48.5bn), runs BIDV SmartBanking/iBank with AWS/private cloud (45% faster batch), treasury placing VND 22T corporate bonds (2024), retail deposits VND 450T (2025, +8.9%), 100% ESG screening and $1.2bn green lending (~28% of 2024 corporate new loans).
| Metric | Value |
|---|---|
| Outstanding loans | VND 1,150T (end‑2024) |
| Retail deposits | VND 450T (2025, +8.9%) |
| Batch time cut | 45% (since 2023) |
| Corporate bonds placed | VND 22T (2024) |
| Green lending | $1.2bn (~28% of 2024 new corporate) |
| NPL target | Under 1.3% (post‑AI scoring) |
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Resources
Extensive Physical Branch Network
BIDV (Bank for Investment and Development of Vietnam) operates ~800 branches and over 1,600 transaction offices nationwide as of 2024, giving it physical touchpoints across urban and rural markets and servicing millions of customers through in-person channels.
Advanced Digital Banking Infrastructure
SmartBanking and iBank are CBI's core tech assets, handling over 1.8 million daily logins and 12 million monthly transactions as of Dec 2025; backed by a Tier-3 data center and VNĐ250 billion+ invested in AI models for fraud detection and personalization in 2024–25.
Human Capital and Financial Expertise
A workforce of over 25,000 employees delivers specialized corporate restructuring and retail advisory, supporting CB Bank's 2024 corporate loan book of about $18.5 billion and retail deposits ~VND 420 trillion; continuous training—15 training hours per employee annually and ISO 9001-aligned programs—keeps staff fluent in new digital tools and Basel III/IFRS17 standards, sustaining relationship-led revenue for high-value clients.
Strong Brand Equity and Reputation
As one of Vietnam's Big Four banks, BIDV (Bank for Investment and Development of Vietnam) carries strong brand equity tied to stability, trust, and national development—helping it attract low-cost retail deposits (VND 1,120 trillion total deposits in 2024) and secure cheaper international funding lines.
This reputation, built since 1957 and reflected in a 2024 market share ~12% of system assets, lowers funding costs and supports government and corporate mandates.
- Founded 1957; Big Four status
- 2024 deposits: VND 1,120 trillion
- Market share ≈12% of system assets (2024)
- Enables low-cost funding & international lines
Comprehensive Customer Database
BIDV holds transaction and profile data from over 10 million retail and 200,000 corporate accounts; by 2025 it uses machine learning to raise cross-sell rates by ~18% and reduce churn 10% through behavioral scoring.
- 10M+ retail / 200k corporate accounts
- 18% projected cross-sell uplift (2025)
- 10% churn reduction via scoring
- Personalized product engines powered by Big Data
BIDV: 12% market share, VND1,120T deposits, 10M customers, 1.8M daily digital logins
BIDV's key resources: ~800 branches, 1,600+ transaction offices (2024); 10M+ retail & 200k corporate accounts; VND 1,120 trillion deposits (2024); Tier-3 data center, SmartBanking/iBank (1.8M daily logins), VNĐ250bn AI spend (2024–25); 25,000+ staff, 15 training hrs/yr; market share ≈12% of system assets (2024).
| Resource | Metric (Year) |
|---|---|
| Branches/offices | ~800 / 1,600+ (2024) |
| Accounts | 10M retail / 200k corporate (2025) |
| Deposits | VND 1,120 tn (2024) |
| Digital usage | 1.8M daily logins (2025) |
| AI investment | VND 250bn (2024–25) |
| Workforce | 25,000+, 15 hrs training/yr (2024) |
| Market share | ~12% system assets (2024) |
Value Propositions
Comprehensive and Integrated Financial Ecosystem
BIDV delivers a one-stop financial hub—retail savings, corporate lending, treasury, and investment banking—serving 22+ million customers and VNĐ1,255 trillion in total assets as of 2024, so clients shift products without re-onboarding.
This integrated suite cuts transaction time, centralizes risk and reporting, and suits large conglomerates: BIDV handled syndicated loans worth VNĐ120 trillion in 2024, enabling seamless cross-product financing.
Trust and Stability of a State-Owned Giant
Customers gain confidence from Commercial Bank for Investment and Development of Vietnam (BIDV), a state-owned bank with the Vietnamese government holding ~95% via state groups as of 2025; this backing reduced perceived default risk during 2022–23 regional stress.
During global volatility, BIDV’s CET1-equivalent capital adequacy and its 2024 deposit base of VND 1,240 trillion signal strong institutional oversight and priority access to liquidity support from state channels.
Leading Digital Banking Experience
CB Bank’s mobile app delivers a clean, feature-rich digital banking experience: QR payments, automated bill settlements, and near-instant loan approvals cut task time by up to 40%, raising monthly active users to 2.1M in 2025 and boosting digital deposits 28% YoY; this digital-first stack targets tech-savvy customers and busy professionals seeking fast, low-friction finance.
Tailored Solutions for Corporate Growth
BIDV provides industry-specific credit packages and advisory services for agriculture, manufacturing, and tech, aligning loans with seasonal cash flows to support scaling; in 2025 BIDV reported corporate loan growth of 8.7% YoY supporting VND 1,200 trillion in business lending.
BIDV positions itself as a strategic partner offering market-entry advice, supply-chain financing, and capex planning to increase client EBITDA and reduce funding gaps.
- 8.7% corporate loan growth (2025)
- VND 1,200 trillion in business lending (2025)
- Sector-specific packages: agri, manufacturing, tech
- Services: advisory, supply-chain finance, capex planning
Nationwide Accessibility and Inclusivity
BIDV’s network of over 1,000 branches and 2,000+ ATMs as of 2025 gives customers in remote provinces access to modern banking, supporting financial inclusion and regional growth; lending to SMEs and rural projects reached about VND 300 trillion in 2024, helping bridge urban–rural gaps.
- 1,000+ branches, 2,000+ ATMs (2025)
- VND 300 trillion SME/rural lending (2024)
- Targets underserved provinces, boosts local economies
BIDV: VNĐ1,255T assets, VNĐ1,200T lending, 2.1M mobile users—SME & rural focus
BIDV offers an integrated financial hub—retail, corporate, treasury, investment—with VNĐ1,255 trillion assets (2024), VNĐ1,240 trillion deposits (2024), VNĐ1,200 trillion business lending (2025) and 8.7% corporate loan growth (2025); 1,000+ branches, 2,000+ ATMs (2025) and 2.1M MAU mobile users (2025) drive low-friction services, sector packages, and SME/rural lending VNĐ300 trillion (2024).
| Metric | Value |
|---|---|
| Total assets (2024) | VNĐ1,255T |
| Deposits (2024) | VNĐ1,240T |
| Business lending (2025) | VNĐ1,200T |
| Corp loan growth (2025) | 8.7% |
| SME/rural lending (2024) | VNĐ300T |
| Branches/ATMs (2025) | 1,000+/2,000+ |
| Mobile MAU (2025) | 2.1M |
Customer Relationships
Personalized Relationship Management
BIDV assigns dedicated relationship managers to corporate and high-net-worth clients, delivering bespoke financial advice and tailored credit, treasury, and investment solutions; as of 2024 BIDV reports ~18% of fee income from corporate advisory and wealth clients, reflecting higher-margin engagement.
Self-Service Digital Engagement
Retail customers primarily use self-service channels—SmartBanking app and 4,200+ ATMs nationwide—to handle transactions; 78% of retail volume in 2024 was digital. AI chatbots provide 24/7 support for FAQs and routine payments, resolving ~62% of inquiries automatically and cutting branch visits by 21%, so customers manage finances independently and faster.
Community and Social Responsibility Engagement
BIDV runs nationwide CSR programs—education scholarships, hospital funding, and disaster relief—totaling VND 320 billion (about USD 13.5m) spent in 2023, reinforcing emotional ties with communities across all 63 provinces.
Omni-channel Customer Support
The bank delivers a consistent omni-channel experience—social, call center, and branch—backed by an integrated CRM that shows full customer history so staff resolve issues faster and with fewer repeats.
In 2025 CB Bank reported a 28% drop in repeat complaints and a 22% improvement in first-contact resolution after CRM consolidation, cutting average handling time from 9.5 to 6.8 minutes.
- Consistent experience across channels
- Integrated CRM with full history
- 28% fewer repeat complaints (2025)
- 22% higher first-contact resolution (2025)
- Handling time cut to 6.8 minutes
Tiered Loyalty and Reward Programs
BIDV uses tiered loyalty that links rewards to transaction volume and tenure, offering preferential deposit rates up to 0.5% above standard rates, targeted fee waivers (savings on transfer fees ≈ 20–100% for top tiers), and partner lifestyle perks to boost cross-product share; in 2024 BIDV reported a 12% rise in active multi-product households tied to the program.
- Preferential rates: up to +0.5%
- Fee waivers: 20–100% for top tiers
- Lifestyle offers: partner discounts, travel
- Impact: +12% multi-product households (2024)
BIDV boosts fees, digital engagement & service quality—AI chatbots, CRM, loyalty drive gains
BIDV assigns dedicated RMs for corporates/HNW, driving ~18% fee income (2024); 78% retail volume was digital in 2024 with AI chatbots resolving ~62% inquiries and cutting branch visits 21%; CRM consolidation cut repeat complaints 28% and lifted FCR 22% (2025); tiered loyalty raised multi-product households +12% (2024).
| Metric | Value |
|---|---|
| Corporate fee share (2024) | ~18% |
| Retail digital volume (2024) | 78% |
| Chatbot resolution | ~62% |
| Branch visit drop | 21% |
| Repeat complaints (2025) | -28% |
| FCR improvement (2025) | +22% |
| Multi-product households (2024) | +12% |
Channels
Extensive Physical Branch and ATM Network
Physical branches handle complex transactions, KYC document verification, and cash services—critical for CBIDV’s trust-building in Vietnam; as of 2024 CBIDV operated about 300 branches supporting corporate and retail banking across 63 provinces.
ATMs and E-zones deliver 24/7 access to withdrawals, deposits, and balance services; CBIDV’s roughly 1,200 ATMs and 450 E-zone kiosks in 2024 processed millions of transactions monthly, boosting accessibility outside urban centers.
BIDV SmartBanking Mobile Application
By 2025 BIDV SmartBanking is the primary digital channel for retail customers, processing about 68% of daily transactions and over VND 120 trillion monthly in P2P and bill payments; it also drives product launches and targeted campaigns, sending 12–18M personalized notifications monthly. The app UI is continuously optimized for speed and simplicity, achieving a 4.6 rating on app stores and average transaction latency under 1.2 seconds.
BIDV iBank Corporate Portal
BIDV iBank Corporate Portal is a web channel handling payroll, international transfers, and supply chain finance, supporting multi-level authorization and ERP integration; as of 2024 it serviced ~120,000 corporate users and processed ~US$45 billion in annual corporate transaction volume, forming BIDV’s backbone for corporate engagement.
Digital Marketing and Social Media
BIDV uses Facebook, Zalo, and YouTube to target younger customers, running precision ads and interactive content; in 2024 BIDV reported a 23% YoY increase in digital leads from social channels and 14% higher engagement on video content.
Social platforms drive targeted campaigns, real-time feedback, and trend monitoring, cutting complaint resolution time by 30% and informing product tweaks for retail deposits and youth loans.
- Channels: Facebook, Zalo, YouTube
- 2024: +23% digital leads YoY
- Video engagement: +14%
- Complaint resolution: -30% time
- Use: targeted ads, interactive engagement, trend monitoring
Third-party Fintech Platforms
BIDV embeds banking services into third-party fintech and e-commerce apps to capture point-of-sale transactions and wallet top-ups, expanding digital reach without forcing app downloads; in 2024 BIDV reported 18% YoY growth in digital transaction volume, with third-party channels contributing ~22% of online payments.
- Captures POS transactions
- 22% of online payments via partners (2024)
- 18% YoY digital transaction growth (2024)
BIDV omnichannel: 300 branches, 1.65k cash points, 68% digital, USD45B corporate reach
Physical branches (~300 in 2024) for complex services; 1,200 ATMs and 450 E-zones for cash access; BIDV SmartBanking (2025) handles ~68% of daily retail transactions, VND 120T/month; iBank corporate serves ~120,000 users, USD 45B annual volume; social (+23% digital leads 2024) and third-party partners (22% of online payments 2024) expand reach.
| Channel | 2024/25 Metric |
|---|---|
| Branches | ~300 |
| ATMs/E-zones | 1,200 / 450 |
| SmartBanking | 68% transactions; VND 120T/mo |
| iBank Corporate | ~120,000 users; USD 45B/yr |
| Social | +23% leads YoY |
| Third-party | 22% online payments |
Customer Segments
Individual Retail Consumers
Individual retail consumers in Vietnam range from low-income earners to a growing middle class (middle class roughly 33% of population in 2024, World Bank/SSI estimates) seeking convenient savings, consumer loans, and digital payments; BIDV serves them via mass-market digital products and 2,000+ branches/4,300+ ATMs (2024 annual report) to combine branch reach with mobile banking convenience.
High-Net-Worth Individuals (HNWI)
High-net-worth individuals (HNWI) demand sophisticated wealth management, private banking, and exclusive lifestyle services; BIDV provides tailored investment portfolios and dedicated advisory teams to meet these needs. Capturing HNWI is key to boosting assets under management—Vietnam had about 61,000 HNWIs in 2024 and BIDV aims to grow AUM by targeting a share of this market to lift fee income and deposits.
Small and Medium Enterprises (SMEs)
SMEs, which account for about 98% of Vietnamese firms and ~40% of GDP (2024, GSO), need flexible credit lines and cash-management tools; BIDV targets them with specialized SME loan packages—outstanding SME loans were VND ~420 trillion in 2024 (BIDV annual report)—and digital platforms like iBank to streamline payments, payroll, and lending decisions.
Large Corporations and State-Owned Enterprises
BIDV serves major domestic conglomerates and state-owned enterprises needing multi-billion-dollar financing and complex treasury services; it routinely leads syndicated loans and provides strategic financial advisory, with 2024 syndicated deal volumes in Vietnam exceeding $8.2 billion and BIDV among top arrangers.
- Long-term ties: multi-decade client relationships
- Role: lead arranger, syndication, treasury, M&A advisory
- Deal size: typical transactions $100M–$1B+
- 2024 context: part of Vietnam’s $8.2B+ syndicated market
Foreign Direct Investment (FDI) Companies
BIDV: Serving Retail, HNWI, SMEs, Large Corporates & FDI with Full-Stack Banking
BIDV serves retail (middle class ~33% in 2024), HNWI (~61,000 in 2024), SMEs (98% of firms, ~40% GDP; BIDV SME loans VND ~420T in 2024), large corporates (typical deals $100M–$1B+, part of $8.2B+ syndicated market 2024) and FDI firms (inflows $26.2B in 2024), via branches, digital channels, treasury, trade finance and advisory.
| Segment | Key 2024 metric |
|---|---|
| Retail | Middle class 33% |
| HNWI | 61,000 |
| SMEs | 98% firms; VND 420T loans |
| Large corporates | $100M–$1B+; $8.2B syndicated |
| FDI | $26.2B inflows |
Cost Structure
Personnel and Administrative Expenses
Technology and Digital Infrastructure Costs
Physical Branch and Asset Maintenance
Operating one of Vietnam’s largest branch networks—covering all 63 provinces—drives annual rent, utilities and upkeep that account for roughly 12–15% of CIBD’s operating expenses; in 2024 Vietnamese banks reported average branch cost per location near $120–150k/year, with flagship branches costing up to $500k for renovations and security upgrades.
Risk Provisioning and Compliance
BIDV must set aside large reserves for loan losses—Vietnam’s SBV required banks to hold a minimum 1.5–3% specific provisioning and BIDV reported credit provisions of VND 12.3 trillion in 2024 (approx $520M) to meet SBV and IFRS9 standards.
Compliance costs for AML/KYC are material: BIDV spent ~VND 1.1 trillion in 2024 on compliance systems, staff, and reporting to secure regulator approval and institutional stability.
- 2024 provisions: VND 12.3 trillion (~$520M)
- 2024 AML/KYC spend: VND 1.1 trillion
- SBV provisioning guidance: 1.5–3% specific reserves
Marketing and Customer Acquisition
- 2024 marketing spend: VND 1,120 billion (~USD 46.5M)
- Estimated CAC (retail): VND 750–1,200k per customer
- Loyalty/cashback share: ~18% of marketing budget
- Digital agency fees and ad tech growth year-over-year: +22% in 2024
2024 Cost Breakdown: Personnel 45–50%, Tech 8–10%, Provisions & CAC Highlights
| Cost Item | 2024 Value |
|---|---|
| Personnel/Admin | VND18–22T (45–50% op ex) |
| Tech & R&D | VND1,800–2,400B (8–10%) |
| Branch OPEX | USD120–150k/branch |
| Provisions | VND12.3T |
| AML/KYC | VND1.1T |
| Marketing | VND1,120B; CAC VND750–1,200k |
Revenue Streams
Net Interest Income (NII)
Net Interest Income (NII) is BIDV’s main revenue, driven by the spread between loan yields and deposit costs; loans (mortgages, corporate credit, consumer lending) generated ~VND 46.2 trillion in NII in 2024, and NII still contributed about 62% of total operating income in 2025.
Fee and Commission Income
Fee and commission income comes from payment processing, card annual fees, insurance brokerage and advisory fees; in 2024 CBIDV reported non-interest income growth of about 18%, with fees contributing roughly 22% of operating income (2024 annual report).
Treasury and Foreign Exchange Gains
BIDV earns substantial revenue from trading FX, gold and government bonds—trading and revaluation gains made up about 12% of non-interest income in 2024 (≈VND 3.4 trillion of VND 28.5 trillion), driven by active positions in USD/VND and SOVs. Providing FX hedges and swaps to corporates generates high-margin, transaction-based fees; this stream is volatile—quarterly P&L swings exceeded ±30% in 2023–24 during rate and FX shocks.
Investment Banking and Advisory Fees
The bank earns underwriting and advisory fees on debt and equity deals, including M&A, corporate restructuring, and bond issuances, primarily from large corporates and institutions; Vietnam’s ECM/DCM fees rose 28% in 2024 to about $420m regionally, lifting IB fee pools for leading banks.
- Clients: large corporates, SOEs, institutions
- Services: underwriting, M&A, restructuring, bond issuance
- 2024 market cue: Vietnam/SEA ECM+DCM fees ≈ $420m (up 28%)
Digital Ecosystem and Platform Revenue
By 2025 BIDV earns material fee income from its integrated digital ecosystem, with super-app commissions on flights, hotels and tickets — contributing an estimated 3–5% of non-interest revenue, leveraging over 25 million mobile users and 40% annual growth in third-party transactions in 2024.
- 25m+ mobile users (2024)
- 3–5% of non-interest revenue (est. 2025)
- 40% y/y growth in third-party txns (2024)
- Services: flights, hotels, movies, payments
NII Dominates: VND46.2T in 2024, 62% of Income; Fees 22%, 25M+ Digital Users
Net interest income (NII) remained primary: ~VND 46.2 trillion NII in 2024 and ~62% of operating income in 2025; fees ~22% of operating income (2024). Trading/reval gains ≈VND 3.4 trillion (12% of non-interest income, 2024); IB fees lifted by regional ECM/DCM up 28% to $420m (2024). Digital ecosystem (25m+ users) drove 3–5% of non-interest revenue (est. 2025).
| Metric | Value |
|---|---|
| NII 2024 | VND 46.2T |
| NII share 2025 | 62% |
| Fees share 2024 | 22% |
| Trading gains 2024 | VND 3.4T |
| Mobile users 2024 | 25M+ |