VIETNAM INTERNATIONAL BANK (VIB) | APEA - Asia Pacific Enterprise Awards Asia Pacific Enterprise Awards
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CORPORATE EXCELLENCE CATEGORY

VIETNAM INTERNATIONAL BANK (VIB)

Information about the Company
Vietnam International Bank (VIB), established in 1996, has emerged as a leading force in Vietnam's financial sector. With a predominant focus on retail services encompassing over 85% of its portfolio, VIB distinguishes itself as Vietnam's foremost retail-oriented bank.

VIB is recognized for its efficiency and profitability by achieving a remarkable Return on Equity (30% consistently over three years 2020-2022). The Bank offers a diverse range of competitive products, including auto, mortgage, and business loans, and is committed to innovation, customer satisfaction, and community development, setting high standards in Vietnam's banking industry.

With a vision to become the most innovative and customer-centric bank in Vietnam, VIB has set 4 missions focused on its various stakeholders. Firstly, to customers: VIB will excel in providing innovative solutions that fully satisfy customer needs; to employees: VIB will foster an entrepreneurial spirit and create an effective working environment; to shareholders: VIB will generate attractive returns and maximize shareholder profits; finally, to the community: VIB will actively contribute to community development.

The Bank’s core values are Customer-Centricity, Striving for Excellence, Integrity, Team Spirit, and Adherence to Discipline.

Corporate Culture & Company Activities
The corporate culture of VIB is built upon transparency, democracy, and integrity. These principles not only sustain excellence and consistency within the organizational culture but also drive comprehensive and accelerated transformation across the company’s entire system. Over the past year, this corporate culture was strengthened through various initiatives.

The bank operates a flat organizational structure with relative boundaries, facilitating seamless and open communication throughout the VIB system. This approach is empowered by a flexible delegation of authority based on clear policies, transparent regulations, and a high level of trust. Employees at VIB are thus enabled to be proactive in decision-making and task execution.

Continuously investing in human resources development, VIB organizes professional skill programs and soft skills training that are regularly conducted to foster a unified and professional working environment. Notably, VIB's Master Frame Methodology (MFM) serves as a common thinking language, ensuring swift and consistent dissemination of strategic insights and operational procedures across the organization toward a common goal.

VIB also cultivates a democratic and open work environment, where managers and executives actively engage in sharing ideas, contributing to transparency, mutual respect, proactivity, and efficiency. Strong investments in technology and process automation have also enhanced labor productivity through the adoption of innovative methods and streamlined workflow.

Besides that, VIB enhances its comprehensive welfare model with a compensation structure based on contributions and job effectiveness, grounded in transparent, fair, and civilized human resources management. This model motivates employees to continually innovate and exceed expectations. In addition to competitive remuneration and rewards, VIB implements an Employee Stock Ownership Plan (ESOP) to strengthen employee engagement with the Bank.

These efforts underscore VIB's commitment to fostering a transparent, innovative, and collaborative corporate culture, geared towards achieving sustained growth and customer satisfaction in Vietnam's competitive banking industry.

Information about the Company
Vietnam International Bank (VIB), established in 1996, has emerged as a leading force in Vietnam's financial sector. With a predominant focus on retail services encompassing over 85% of its portfolio, VIB distinguishes itself as Vietnam's foremost retail-oriented bank.

VIB is recognized for its efficiency and profitability by achieving a remarkable Return on Equity (30% consistently over three years 2020-2022). The Bank offers a diverse range of competitive products, including auto, mortgage, and business loans, and is committed to innovation, customer satisfaction, and community development, setting high standards in Vietnam's banking industry.

With a vision to become the most innovative and customer-centric bank in Vietnam, VIB has set 4 missions focused on its various stakeholders. Firstly, to customers: VIB will excel in providing innovative solutions that fully satisfy customer needs; to employees: VIB will foster an entrepreneurial spirit and create an effective working environment; to shareholders: VIB will generate attractive returns and maximize shareholder profits; finally, to the community: VIB will actively contribute to community development. The Bank’s core values are Customer-Centricity, Striving for Excellence, Integrity, Team Spirit, and Adherence to Discipline.

Corporate Culture & Company Activities
The corporate culture of VIB is built upon transparency, democracy, and integrity. These principles not only sustain excellence and consistency within the organizational culture but also drive comprehensive and accelerated transformation across the company’s entire system. Over the past year, this corporate culture was strengthened through various initiatives.

The bank operates a flat organizational structure with relative boundaries, facilitating seamless and open communication throughout the VIB system. This approach is empowered by a flexible delegation of authority based on clear policies, transparent regulations, and a high level of trust. Employees at VIB are thus enabled to be proactive in decision-making and task execution.

Continuously investing in human resources development, VIB organizes professional skill programs and soft skills training that are regularly conducted to foster a unified and professional working environment. Notably, VIB's Master Frame Methodology (MFM) serves as a common thinking language, ensuring swift and consistent dissemination of strategic insights and operational procedures across the organization toward a common goal.

VIB also cultivates a democratic and open work environment, where managers and executives actively engage in sharing ideas, contributing to transparency, mutual respect, proactivity, and efficiency. Strong investments in technology and process automation have also enhanced labor productivity through the adoption of innovative methods and streamlined workflow.

Besides that, VIB enhances its comprehensive welfare model with a compensation structure based on contributions and job effectiveness, grounded in transparent, fair, and civilized human resources management. This model motivates employees to continually innovate and exceed expectations. In addition to competitive remuneration and rewards, VIB implements an Employee Stock Ownership Plan (ESOP) to strengthen employee engagement with the Bank.

These efforts underscore VIB's commitment to fostering a transparent, innovative, and collaborative corporate culture, geared towards achieving sustained growth and customer satisfaction in Vietnam's competitive banking industry.

Achievements and Impact
As of December 31, 2023, VIB operates with 1 headquarters and 188 business units, comprising 62 branches, and 126 transaction offices across over 30 provinces and cities nationwide, serving more than 5 million customers. Its total number of employees has increased by 20% from 2022 to exceed 12,000. VIB places a strong emphasis on training and developing high-quality human resources, recognizing their pivotal role in the bank's success.

Some prominent training programs at VIB include the Branch Manager Development Program (BMP 2022 - 2023) and advanced professional development programs for managers which cover various topics from management training to Board Member Certification.

Future Direction
VIB has set out on a 10-year transformation journey planned for 2017 to 2026, with the vision to become the most innovative and customer-centric bank in Vietnam and positioning itself as a leading retail bank in terms of quality and scale.

During the first 7 years of this roadmap, VIB achieved top market shares in various retail business segments, demonstrating high growth rates and profitability within the industry's highest echelons. Simultaneously, VIB has laid a solid foundation for sustained growth in its scale, quality, and brand value over the coming years.

The company’s strategic transformation objectives have been consistently communicated and comprehensively implemented, yielding achievements that the company is proud of. The final 3 years of this strategic journey are particularly critical, demanding concentration, discipline, and heightened effort for VIB to accelerate, break through, and achieve its strategic goals. In 2024, the bank will undergo significant structural changes to meet its growth demands in both scale and quality.

Furthermore, VIB will continue to focus on strategic directions including comprehensive and superior product offerings, innovative solutions, personalized approaches for customers and partners, excellence in digital technology and banking, human capital development at VIB, building a leading brand, pioneering the adoption of international standards, robust risk management, and strong policy compliance.

CORPORATE EXCELLENCE CATEGORY

VIETNAM INTERNATIONAL BANK (VIB)

Information about the Company
Vietnam International Bank (VIB), established in 1996, has emerged as a leading force in Vietnam's financial sector. With a predominant focus on retail services encompassing over 85% of its portfolio, VIB distinguishes itself as Vietnam's foremost retail-oriented bank.

VIB is recognized for its efficiency and profitability by achieving a remarkable Return on Equity (30% consistently over three years 2020-2022). The Bank offers a diverse range of competitive products, including auto, mortgage, and business loans, and is committed to innovation, customer satisfaction, and community development, setting high standards in Vietnam's banking industry.

With a vision to become the most innovative and customer-centric bank in Vietnam, VIB has set 4 missions focused on its various stakeholders. Firstly, to customers: VIB will excel in providing innovative solutions that fully satisfy customer needs; to employees: VIB will foster an entrepreneurial spirit and create an effective working environment; to shareholders: VIB will generate attractive returns and maximize shareholder profits; finally, to the community: VIB will actively contribute to community development.

The Bank’s core values are Customer-Centricity, Striving for Excellence, Integrity, Team Spirit, and Adherence to Discipline.

Corporate Culture & Company Activities
The corporate culture of VIB is built upon transparency, democracy, and integrity. These principles not only sustain excellence and consistency within the organizational culture but also drive comprehensive and accelerated transformation across the company’s entire system. Over the past year, this corporate culture was strengthened through various initiatives.

The bank operates a flat organizational structure with relative boundaries, facilitating seamless and open communication throughout the VIB system. This approach is empowered by a flexible delegation of authority based on clear policies, transparent regulations, and a high level of trust. Employees at VIB are thus enabled to be proactive in decision-making and task execution.

Continuously investing in human resources development, VIB organizes professional skill programs and soft skills training that are regularly conducted to foster a unified and professional working environment. Notably, VIB's Master Frame Methodology (MFM) serves as a common thinking language, ensuring swift and consistent dissemination of strategic insights and operational procedures across the organization toward a common goal.

VIB also cultivates a democratic and open work environment, where managers and executives actively engage in sharing ideas, contributing to transparency, mutual respect, proactivity, and efficiency. Strong investments in technology and process automation have also enhanced labor productivity through the adoption of innovative methods and streamlined workflow.

Besides that, VIB enhances its comprehensive welfare model with a compensation structure based on contributions and job effectiveness, grounded in transparent, fair, and civilized human resources management. This model motivates employees to continually innovate and exceed expectations. In addition to competitive remuneration and rewards, VIB implements an Employee Stock Ownership Plan (ESOP) to strengthen employee engagement with the Bank.

These efforts underscore VIB's commitment to fostering a transparent, innovative, and collaborative corporate culture, geared towards achieving sustained growth and customer satisfaction in Vietnam's competitive banking industry.
Achievements and Impact
As of December 31, 2023, VIB operates with 1 headquarters and 188 business units, comprising 62 branches, and 126 transaction offices across over 30 provinces and cities nationwide, serving more than 5 million customers. Its total number of employees has increased by 20% from 2022 to exceed 12,000. VIB places a strong emphasis on training and developing high-quality human resources, recognizing their pivotal role in the bank's success.

Some prominent training programs at VIB include the Branch Manager Development Program (BMP 2022 - 2023) and advanced professional development programs for managers which cover various topics from management training to Board Member Certification.

Future Direction
VIB has set out on a 10-year transformation journey planned for 2017 to 2026, with the vision to become the most innovative and customer-centric bank in Vietnam and positioning itself as a leading retail bank in terms of quality and scale.

During the first 7 years of this roadmap, VIB achieved top market shares in various retail business segments, demonstrating high growth rates and profitability within the industry's highest echelons. Simultaneously, VIB has laid a solid foundation for sustained growth in its scale, quality, and brand value over the coming years.

The company’s strategic transformation objectives have been consistently communicated and comprehensively implemented, yielding achievements that the company is proud of. The final 3 years of this strategic journey are particularly critical, demanding concentration, discipline, and heightened effort for VIB to accelerate, break through, and achieve its strategic goals. In 2024, the bank will undergo significant structural changes to meet its growth demands in both scale and quality.

Furthermore, VIB will continue to focus on strategic directions including comprehensive and superior product offerings, innovative solutions, personalized approaches for customers and partners, excellence in digital technology and banking, human capital development at VIB, building a leading brand, pioneering the adoption of international standards, robust risk management, and strong policy compliance.