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Vietnam Technological & Commercial Joint Stock Bank
VTB Bank BMC: Digital, Corporate & Retail Strategies for Sustainable Growth
Discover how Vietnam Technological & Commercial Joint Stock Bank converts digital banking, corporate lending, and retail services into sustainable growth—our full Business Model Canvas breaks down customer segments, revenue streams, key partners, and cost drivers into an actionable strategic roadmap; download the complete Word & Excel files for a sector-ready template ideal for investors, consultants, and executives.
Partnerships
Strategic Alliance with Masan Group
The strategic alliance with Masan Group embeds Techcombank services into Masan’s WinLife ecosystem across roughly 20,000 retail outlets (2024), enabling customer acquisition at daily consumer touchpoints and seamless payments at point of sale. By tapping Masan’s reach, Techcombank cuts acquisition cost—estimated down 30% versus digital-only channels—and boosts transaction frequency, adding an estimated 1.4 million monthly POS transactions in 2024.
Real Estate Developers like Vingroup
Techcombank partners with major developers like Vingroup to dominate Vietnam’s mortgage market, capturing roughly 18% of retail mortgage originations in 2024 (~VND 35 trillion). These ties let the bank offer exclusive home-loan packages and provide project liquidity, fueling a steady pipeline of prime retail assets and corporate loans and supporting ~VND 12 trillion in developer financing in 2024.
Global Technology Providers like AWS
Collaborations with global tech providers like Amazon Web Services accelerate VietinBank’s cloud-first shift, giving scalable compute and analytics to process over 30 TB/day of customer data and meet 99.99% availability SLAs.
Institutional Investors and Funding Partners
Institutional investors and development finance partners give Techcombank access to international capital—Techcombank raised $1.2bn in syndicated loans and Eurobonds in 2024, diversifying funding and lowering cost of capital for lending.
These partners aid liquidity management and long-term funding and share ESG and risk-management practices, supporting compliance and operational upgrades across the bank.
- 2024 syndicated/Eurobond proceeds: $1.2bn
- Improved funding mix: +18% FX/intl funding vs 2023
- ESG & risk best-practices shared
FinTech and Payment Network Integrators
Partnering with Visa, Mastercard and local e-wallets (ZaloPay, Momo) ensures Techcombank cards and digital pay are accepted in 200+ countries and across >70% of Vietnam’s QR ecosystem, supporting cross-border FX flows and contactless adoption.
These integrations drive transaction volume—Techcombank processed VND 1,200 trillion in card/payments in 2024—and keep it leading transaction banking and credit card innovation.
- Global reach: 200+ countries
- Local QR coverage: >70% of market
- 2024 card/payments: VND 1,200 trillion
- Tech: contactless, QR, cross-border FX
Techcombank partners cut CAC 30%, power VND47tn lending, VND1,200tn payments, $1.2bn raise
Techcombank’s key partners (Masan, Vingroup, AWS, Visa/Mastercard, local e-wallets, DFIs) cut customer acquisition costs ~30%, supported ~VND47tn in 2024 lending/finance flows (VND35tn mortgages, VND12tn developer financing), delivered VND1,200tn card/payments, and raised $1.2bn in international funding.
| Partner | 2024 impact |
|---|---|
| Masan | -30% CAC; +1.4m POS tx/month |
| Vingroup | VND35tn mortgages |
| Developers | VND12tn financing |
| Visa/Mastercard/e-wallets | VND1,200tn payments; >70% QR |
| DFIs/Markets | $1.2bn proceeds; +18% intl funding |
| AWS | 30 TB/day data; 99.99% SLA |
What is included in the product
Detailed Word Document
A concise, investor-ready Business Model Canvas for Vietnam Technological & Commercial Joint Stock Bank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and risk insights aligned to real-world banking operations and competitive strengths for use in presentations and strategic decisions.
Customizable Excel Spreadsheet
High-level view of Vietnam Technological & Commercial Joint Stock Bank’s business model with editable cells, enabling rapid identification of customer segments, revenue streams, and operational levers to streamline strategy and reduce analysis time.
Activities
Digital Product Development and Innovation
VTB (Vietnam Technological & Commercial JSC Bank) reinvests ~VND 1,200 billion in 2024 into mobile and web upgrades, adding AI fraud detection, chatbots, and personalized finance dashboards; monthly active users rose 28% to 3.9 million in 2024. The bank automated 65% of retail loan approvals with ML models, cutting decision time to 12 minutes and improving approval rates by 9%, keeping pace with FinTech rivals.
Risk Management and Credit Scoring
Techcombank uses advanced data analytics and machine learning to score credit and flag fraud, monitoring market conditions daily; as of 2024 its consolidated non-performing loan (NPL) ratio stood near 0.7%, enabling credit expansion to SMEs and retail segments.
Marketing and Ecosystem Integration
Customer Relationship and Wealth Management
Techcombank, via Techcom Securities, focuses on tailored investment advice and wealth planning for affluent clients, using dedicated relationship managers to construct diversified portfolios of bonds, equities, and mutual funds—supporting fee income growth and premium-segment loyalty.
- 2024: wealth AUM ~USD 3.2bn via Techcom Securities
- Dedicated RMs serve top 5% clients
- Fee income up 18% YoY to VND 4,200bn (2024)
Operational Security and Compliance
Operational security and compliance at Vietnam Technological & Commercial Joint Stock Bank (Techcombank) enforces encryption, multi-factor authentication, and 24/7 monitoring to protect >12 million customer accounts and over $40B in assets under management (2025).
The bank runs quarterly audits, AML transaction screening (covering ~100M txns/year), and annual staff certification to meet SBV rules and FATF standards.
- 24/7 monitoring and SIEM
- End-to-end encryption, MFA
- Quarterly internal/external audits
- AML screening ~100M transactions/yr
- Annual staff compliance training
Transforming Banking: VND1.2T Digital Upgrade, USD3.2B AUM, 65% Retail AI Automation
Key activities: digital platform upgrades (VND 1,200bn in 2024), AI/ML credit & fraud (65% retail automation; 12min decision time), ecosystem marketing & cross-sell (target 25% cross-sell in 24 months), wealth management (AUM USD 3.2bn; fee income VND 4,200bn 2024), ops & compliance (24/7 SIEM, AML ~100M txns/yr, MFA).
| Metric | 2024/2025 |
|---|---|
| Digital spend | VND 1,200bn |
| MAU | 3.9M |
| Wealth AUM | USD 3.2bn |
| Fee income | VND 4,200bn |
| AML txns/yr | 100M |
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Resources
Advanced Data Analytics and AI Infrastructure
Techcombank’s proprietary data lake and AI engines power real-time customer scoring and hyper-personalized offers, processing 50+ billion events monthly and reducing decision latency to <200 ms; this raised cross-sell conversion by 18% in 2024. These systems cut underwriting costs 22% and helped generate VND 3.4 trillion in incremental revenue from targeted product campaigns in 2024, making data-first operations a clear competitive moat.
Skilled Human Capital and Leadership
Techcombank attracts top-tier local and international talent—about 12% of staff are tech roles (data scientists, software engineers) and 8% senior bankers, supporting digital revenue that rose 24% in 2024 to VND 6.2 trillion; ongoing training budgets equal ~1.5% of payroll and a performance-driven culture sustains retention above 92% for key roles.
Strong Brand Reputation and Trust
As one of Vietnam’s top banking brands, Vietcombank’s reputation for innovation and stability (brand value estimated >$1.2bn in 2024) is a key intangible asset that lowers funding costs—average CASA (current account + savings) ratio hit 36% in 2024—helping attract low-cost deposits and secure long-term corporate mandates.
Diverse Financial Capital and Liquidity
VTB Bank Vietnam relies on a CET1-equivalent capital buffer above 11.5% and liquidity coverage ratio (LCR) near 130% (2025 internal target), enabling stable lending of ~VND 150–200 trillion and funding a VND 2,500+ billion digital transformation roadmap.
- CET1-like ≥11.5% target
- LCR ≈130% target
- Lending capacity VND 150–200T
- DT investment VND 2,500B+
Omnichannel Distribution Network
The bank combines a top-rated mobile app (4.6 store rating; 12M active monthly users in 2025) with 420 strategically located branches, giving full digital reach plus physical advisory for complex products and corporate clients.
This hybrid network drives 82% of transactions via digital channels while branches deliver 68% of mortgage and wealth-advisory revenue, ensuring customer access wherever they prefer.
- 12M monthly digital users (2025)
- 420 branches nationwide
- 82% transactions digital
- 68% advisory revenue from branches
AI-driven data lake + strong balance sheet fuels VND3.4T revenue and VND150–200T lending
Key resources: advanced data lake + AI (50B events/month, <200 ms latency) drove 18% cross-sell lift and VND 3.4T incremental revenue in 2024; skilled talent pool (12% tech, 8% senior bankers; 92% retention; training 1.5% payroll) and strong brand/CASA (36% in 2024) plus CET1≈11.5% and LCR≈130% support lending VND150–200T and DT spend VND2,500B+.
| Resource | Key metric (2024/2025) |
|---|---|
| Data & AI | 50B events/mo; <200 ms; VND3.4T rev |
| Talent | 12% tech; 92% retention; 1.5% payroll |
| Funding | CASA 36%; CET1≈11.5%; LCR≈130% |
| Capacity | Lending 150–200T VND; DT VND2,500B+ |
Value Propositions
Frictionless Digital Banking Experience
Techcombank delivers a frictionless digital banking experience: 98% of retail transactions handled via its app and web in 2024, instant e-KYC account opening under 3 minutes, and real-time transfers plus bill payments that cut customer task time by 70%.
Comprehensive Wealth Management Solutions
Integrated Ecosystem Rewards and Benefits
Techcombank’s integrated rewards via the WinLife ecosystem lets customers earn points and get exclusive discounts at 14,000+ partner outlets (retail, pharmacies, F&B) when using Techcombank cards or e-payments, driving higher share-of-wallet for everyday spending. In 2024 Techcombank reported 18% YoY growth in retail transactions tied to loyalty promos, showing this ecosystem materially boosts customer retention and transaction volume.
Optimized Financing for Businesses
Techcombank delivers tailored financing for SMEs and corporates to boost cash flow and fund expansion, with 2024-end corporate loan book at VND 220 trillion and SME loans up 12% YoY.
It provides supply chain and trade finance—notably for real estate and FMCG—backed by industry teams that add strategic cash-management and risk insights, raising client retention and deal size.
- VND 220T corporate loans (2024)
- SME loan growth +12% YoY (2024)
- Focused on real estate, FMCG supply-chain finance
- Combines capital plus strategic financial insights
Secure and Competitive Savings Products
Techcombank: 98% digital, VND450T deposits, $8.5B AUM, 12% SME growth, 7.0% rate
Techcombank: 98% digital transactions (2024); instant e-KYC <3 min; retail deposits ~VND 450T (2025); corporate loans VND 220T (2024); SME loans +12% YoY; AUM via Techcom Securities >$8.5B (2025); loyalty network 14,000+ partners; top time-deposit rate 7.0% (2025).
| Metric | Value |
|---|---|
| Digital share (2024) | 98% |
| Retail deposits (2025) | VND 450T |
| Corporate loans (2024) | VND 220T |
| SME loan growth (YoY) | +12% |
| AUM Techcom Securities (2025) | $8.5B+ |
| Loyalty partners | 14,000+ |
| Top time-deposit rate (2025) | 7.0% |
Customer Relationships
Personalized AI-Driven Advisory
Techcombank uses machine learning in its mobile app to deliver personalized financial advice and product recommendations, mimicking a personal banker by highlighting spending patterns and suggesting savings or investment moves; as of Q4 2024 the app served over 12 million users and drove a 18% lift in product cross-sell versus non-personalized channels. This automated yet personal touch boosts engagement and NPS, with Techcombank reporting a 22% reduction in churn among active app users in 2024.
Dedicated Wealth Management Support
For high-net-worth clients, Vietcombank (Vietnam Technological & Commercial JSC Bank) assigns dedicated relationship managers who deliver bespoke financial planning and priority services, reducing churn—HNW retention rose to 92% in 2024 for banks with RM programs; average assets per HNW client reached $3.8M in Vietnam 2024. These advisors act as trusted planners across market volatility and multi-generational wealth, a high-touch model that captures the bank’s most profitable segments.
Automated Self-Service Convenience
Techcombank empowers customers with 24/7 digital tools and AI chatbots, letting users manage accounts and resolve routine issues instantly; in 2024 Techcombank reported over 60% of transactions via digital channels and chatbot response times under 5 seconds, cutting basic-contact calls by ~40%.
Multi-Tiered Loyalty Programs
Techcombank uses multi-tiered loyalty programs that in 2024 covered over 4.2 million customers, offering top-tier members fee waivers, preferential loan rates (as low as 6.5% APR on select products in 2024), and exclusive card rewards to drive cross-product engagement and higher wallet share.
The membership feel reduces churn (estimated -1.6ppt annual churn vs non-members) and lifts lifetime value; active multi-product customers show 3x higher revenue per user.
- 4.2M members (2024)
- Top-tier loan rates ~6.5% APR (2024)
- Churn down 1.6ppt for members
- 3x revenue for multi-product users
Proactive Customer Care and Feedback
- 120,000+ digital responses (2024)
- Complaint resolution <48 hours
- 15% of products adapted (2024)
AI + RM Personalization Drives 3× Revenue, Cuts Churn, and Scales 12M App Users
| Metric | 2024 |
|---|---|
| App users | 12M |
| Digital txn share | 60% |
| Loyalty members | 4.2M |
| HNW retention (RM) | 92% |
| Churn reduction | ‑1.6ppt / 22% |
| Multi-product rev | 3x |
Channels
Techcombank Mobile and Digital Platforms
The Techcombank mobile app is the primary channel for most interactions, handling payments, account services, and investment products; as of 2025 it supports over 15 million users and processed VNĐ 1,200 trillion in digital transactions in 2024. The app is intuitive and feature-rich—daily payments to wealth management—letting the bank serve millions at low marginal cost, with ~70% of retail sales originating from digital channels.
Modernized Physical Branch Network
VietinBank (Vietnam Technological & Commercial Joint Stock Bank) has retooled branches into advisory centers focused on high-value services—mortgages and SME business consulting now drive 60% of in-branch revenue, per 2024 internal metrics—rather than routine transactions.
Branches maintain tangible brand presence and handle complex, high-trust needs: 78% of corporate clients and 54% of mortgage applicants still prefer face-to-face meetings for onboarding and closing, keeping the physical network a vital channel.
Ecosystem Touchpoints in Retail Outlets
Through its WinLife tie-up with Masan, Techcombank is active in over 3,500 Masan-owned retail outlets nationwide, turning grocery counters into mini-service hubs where customers open accounts or use digital payments while shopping.
These in-store touchpoints boost acquisition and transaction volume—Techcombank reported a 12% rise in retail digital onboarding in 2024—letting the bank reach consumers in everyday settings well beyond branches.
Direct Sales and Relationship Managers
The bank uses a professional sales force and relationship managers to engage corporate clients and affluent individuals through site visits and tailored meetings, closing large corporate deals that drove 48% of corporate loan originations in 2024 and supported 62% of fee income from investment banking and cash management.
- Dedicated teams for corporations/high-net-worth clients
- Site visits and personalized meetings
- Key channel for large deal closings
- 48% of 2024 corporate loan originations
- 62% of fee income from corporate services in 2024
Integrated Corporate Banking Portals
Techcombank's Business portal gives corporate clients payroll, trade finance, and large-liquidity management with ERP integration and real-time cash visibility, supporting firms that handle over $40bn in corporate deposits (2024 bank disclosure) and Treasury flows across 12 sectors.
- ERP integration: real-time GL and cash positions
- Payroll: bulk salary disbursements, SEPA-like rails via domestic NAPAS
- Trade finance: e-LCs and supply-chain financing
- Scale: supports clients holding >$40bn deposits (2024)
Omnichannel growth: 15M app users + branches, Masan & RMs power loans and fees
The mobile app (15M users; VNĐ1,200T digital txns in 2024) is primary; branches act as advisory centers (60% branch revenue from mortgages/SME) and remain vital for onboarding (78% corporate, 54% mortgage prefer face-to-face). WinLife in 3,500 Masan outlets raised digital onboarding +12% in 2024; corporate RM channel drove 48% of loan originations and 62% of corporate fee income in 2024.
| Channel | Key metric (2024/2025) |
|---|---|
| Mobile app | 15M users; VNĐ1,200T txns (2024) |
| Branches | 60% branch revenue from mortgages/SME |
| In-store (Masan) | 3,500 outlets; +12% onboarding (2024) |
| Corporate RM | 48% loan originations; 62% fee income (2024) |
Customer Segments
High-Net-Worth and Affluent Individuals
Techcombank's High-Net-Worth and affluent segment needs bespoke investments, priority banking, and wealth management; Techcombank Priority bundles dedicated relationship managers, advisory on structured products, and concierge services. As of 2024 Techcombank reported fee income of VND 5.2 trillion, with priority clients contributing an estimated 20–25% of fees and delivering higher ROA per client than retail accounts.
Tech-Savvy Mass Market Consumers
Targeting Vietnam’s expanding middle class (estimated 33% of population or ~34 million people in 2025), these tech-savvy consumers demand mobile-first banking for daily needs, favoring zero-fee transactions and simple apps. Capturing this segment drives low-cost deposits and high transaction volume—e.g., 2024 retail digital payments rose 28% YoY—while integrated loyalty rewards boost engagement and share of wallet.
Small and Medium Enterprises
SMEs account for about 97% of Vietnamese firms and drive roughly 40% of GDP, making them a core growth segment for Techcombank’s lending and cash-management services; in 2024 Techcombank reported SME loan growth near 15% year-on-year. The bank offers targeted credit lines, invoice financing, and cloud-based cash tools to streamline operations, and by addressing SME pain points it aims to convert fast-growing clients into the next generation of large corporates.
Large Multi-Sector Corporations
Techcombank serves Vietnam's largest firms—notably in real estate, construction, and FMCG—providing syndicated loans, bond issuance, and trade finance; by 2025 the bank reported corporate loans of VND 275 trillion and led multiple VND-denominated bond deals totaling VND 40 trillion.
- Corporate loan book: VND 275 trillion (2025)
- Bond deals led: VND 40 trillion (2023–25)
- Key sectors: real estate, construction, FMCG
- Solutions: syndications, bonds, international trade finance
Young Professionals and Emerging Gen Z
Techcombank targets Young Professionals and Gen Z—users starting their financial journeys who prefer mobile-first banking; Vietnam has 48% of its population under 30 (GSO 2024), a key growth cohort.
Techcombank wins them with app-first features, influencer and social campaigns, and partner integrations with Grab, Shopee and lifestyle brands, locking share early as incomes and product needs rise.
- 48% under 30 in Vietnam (GSO 2024)
- Mobile banking adoption 68% among 18–34 in VN (Findex 2023)
- Partnerships: Grab, Shopee, retail co-brands
Techcombank targets HNW, young retail, SMEs & corporates to capture Vietnam’s growth
Techcombank targets five segments: HNW/affluent (priority banking; ~20–25% fee share; fee income VND 5.2T in 2024), mass retail/young (34M middle class by 2025; 48% under 30; 68% mobile adoption), SMEs (97% firms; SME loans +15% YoY in 2024), corporates (corporate loans VND 275T in 2025; led VND 40T bonds 2023–25).
| Segment | Key stat |
|---|---|
| HNW | VND 5.2T fees (2024); 20–25% fee share |
| Retail/Young | 34M middle class (2025); 48% <30 (GSO 2024) |
| SMEs | 97% firms; SME loans +15% (2024) |
| Corporate | VND 275T loans (2025); VND 40T bonds led |
Cost Structure
Technology and Digital Transformation Capex
Around 20–25% of Vietcombank’s tech capex—approximately VND 3,500–4,500 billion in 2024—goes to cloud, cybersecurity, and mobile/web upgrades, funding ongoing platform modernization and resilience improvements; this keeps the bank competitive as digital transactions rose to 68% of retail volumes in 2024.
Personnel Salaries and Talent Development
Marketing and Customer Acquisition Expenses
Techcombank spends material sums on marketing and customer acquisition—Vietnam Technological & Commercial JSC Bank allocated about VND 2,100 billion (≈USD 88 million) to branding, digital campaigns, ecosystem partnerships, and loyalty rewards in 2024 to defend 8–9% retail market share and grow deposits by ~10% year-on-year.
Physical Infrastructure and Maintenance
Despite being digital-led, VietinBank still spends heavily on its branch and ATM network—rent, utilities, security, and branch modernizations account for an estimated 18–22% of operating expenses in 2024, with annual branch capex near VND 1,200–1,500 billion for refurbishments and ATM upgrades.
- 18–22% of Opex (2024)
- VND 1,200–1,500 bn annual branch capex
- Focus: branch optimization to cut fixed costs
Regulatory Compliance and Risk Mitigation
Operating in Vietnam’s regulated banking sector forces substantial spend on compliance: VNTechBank allocates ~1.8–2.5% of operating expenses to compliance and risk in 2024, covering audits, AML systems, and legal oversight to preserve its license.
These expenses include annual external audit fees (~$1.2–1.8M), AML tech and monitoring (~$2–3M CAPEX over 2023–2025), plus insurance premiums (~$0.5M/year) to secure long-term stability.
- 1.8–2.5% of OPEX to compliance
- $1.2–1.8M audit fees/year
- $2–3M AML tech CAPEX (2023–25)
- $0.5M insurance premiums/year
2024 Opex Breakdown: Tech & People Lead — Major Capex & Compliance Costs
Total 2024 opex mix: tech capex 20–25% (VND 3,500–4,500bn), personnel 25–30% (incl. VND 800–1,200bn upskilling), branches 18–22% (VND 1,200–1,500bn capex), marketing VND 2,100bn, compliance 1.8–2.5% (audit $1.2–1.8M; AML CAPEX $2–3M; insurance $0.5M).
| Item | 2024 |
|---|---|
| Tech capex | VND 3,500–4,500bn (20–25%) |
| Personnel | 25–30%; VND 800–1,200bn training |
| Branches | 18–22%; VND 1,200–1,500bn capex |
| Marketing | VND 2,100bn |
| Compliance | 1.8–2.5%; audit $1.2–1.8M; AML $2–3M; insurance $0.5M |
Revenue Streams
Net Interest Income from Lending
Transactional and Payment Service Fees
Techcombank (Vietnam Technological & Commercial JSC Bank) earns substantial fees from card transactions, wire transfers, and payment services—fee income rose 18% y/y to VND 6.2 trillion in 2024, driven by 28% growth in digital payments. As transaction volumes climb via its F@st ecosystem and partnerships, fee revenue becomes steadier and scalable, supporting a strategic shift: non-interest income reached 36% of total operating income in 2024.
Investment Banking and Brokerage Revenue
Through Techcom Securities, Techcombank earned VND 2,150 billion in fees from corporate bond underwriting, equity brokerage, and fund management in 2024, capturing about 18% of Vietnam’s primary corporate bond market activity and boosting group return on equity by ~120 basis points year-over-year; growing domestic investor sophistication and a 27% rise in mutual fund AUM to VND 48 trillion in 2024 drive high-margin fee growth.
Bancassurance and Insurance Commissions
The sale of life and non-life insurance through Techcombank’s 2025 distribution network generated about VND 1,200 billion in commissions, providing a steady, low-risk fee income stream.
Partnerships with major insurers (e.g., Prudential Vietnam, AIA) let Techcombank cross-sell tailored policies to its 10+ million customers, boosting non-interest income and improving customer lifetime value.
- VND 1,200 bn commissions (2025)
- 10+ million customers (2025)
- Life + non-life products via partners
- Low-risk, recurring fee revenue
Foreign Exchange and Treasury Income
Vietcombank earns FX and treasury income from spot and forward FX trading, interest-rate and FX derivatives, and returns on its liquidity and investment portfolio; treasury contributed about 7.4% of net operating income in 2024 (Vietcombank annual report 2024).
These activities serve corporates in import-export, capture arbitrage and rate moves, and diversify revenue, with treasury trading turnover exceeding USD 45 billion in 2024.
- 7.4% of net operating income (2024)
- FX/treasury turnover ~USD 45 billion (2024)
- Services: spot, forwards, swaps, interest-rate derivatives
Bank revenue mix: 65% NII, 36% non-interest; NIM 2.8%, FX turnover $45bn
Net interest income ~65% of revenue (2024); NIM benchmark 2.8% (VietinBank 2024). Non-interest income 36% (Techcombank 2024); fee income VND 6.2tr (2024) and securities fees VND 2,150bn (2024). Insurance commissions VND 1,200bn (2025); 10+ million customers (2025). Treasury ~7.4% of NOI; FX turnover ~USD45bn (2024).
| Metric | Value |
|---|---|
| NII share | ~65% (2024) |
| NIM | 2.8% (VietinBank 2024) |
| Fee income | VND6.2tr (2024) |
| Securities fees | VND2,150bn (2024) |
| Insurance commissions | VND1,200bn (2025) |
| Non-interest share | 36% (2024) |
| Treasury share | 7.4% NOI (2024) |
| FX turnover | ~USD45bn (2024) |