In 2024 , VietinBank's retail operations have continuously achieved positive business results such as: Safe and effective credit growth in the direction of focusing on production and business strengths ; growth in CASA deposits, shifting the structure of short-term deposits, growth in foreign currency deposits, etc. In addition, the Bank also promotes medium- term and long-term lending on the basis of flexibly implementing competitive credit programs/products; meeting the needs of each customer segment (KH) / specific regions . In the digital transformation journey, VietinBank is a pioneer in applying digital technology to business operations, bringing customers the best products and services (SPDV). In 2024, VietinBank had 16 digital transformation initiatives deployed and widely applied across the bank, directly targeting retail customers. Initiatives to apply models and data analysis, machine learning in identifying potential customer files, building customer journeys, suggesting products and services based on customer profiles and implementing sales activities with new methods to optimally support the sales and customer care teams. With the MVP implementation method, products and services/features/customer journeys have been continuously updated and improved. Thereby, initially bringing positive impacts in increasing customer experience, shortening service usage time; at the same time, reducing manual operations, improving labor productivity for branch staff.
Source: https://www.vietinbank.vn/vi/tin-tuc/tin-tuc-va-su-kien/vietinbank-nhan-cu-dup-giai-thuong-ban-le-20241223044639-00-html 
VietinBank continues to receive 2 awards from Global Banking & Finance Review
A typical example is the "Affluent Customer Identification Initiative" that applies machine learning models to identify potential customers, contributing more than 50% of the total revenue (TOI) increase from digital transformation initiatives. Or the feature of Online Disbursement for Business Loans allows customers to borrow business loans online on Vietin Bank iPay Mobile with a limit of up to 500 million VND/day without having to go to the bank , simple digital signature without having to complete hard copies of documents and receive disbursement immediately . After 3 months of implementation , the feature has recorded nearly 16 thousand successful online disbursements with a disbursement turnover of 4.2 trillion VND . Other features such as : Online unsecured loans; installment registration for online credit card spending transactions... continuously launched by VietinBank have created trust and increased customer satisfaction. With the advantage of being the first Vietnamese bank to have a branch in Germany , VietinBank has deployed SPDV, utilities for domestic and foreign customers; including German Locked Account . This is a payment account (TT) in EUR opened and locked by VietinBank German Branch to prove financial capacity for customers who need to apply for a visa to stay in Germany in the form of a blocked account (Sperrkonto) according to the regulations of the German Embassy in Vietnam. This is one of the mandatory conditions when applying for a German student visa to ensure sufficient living expenses during the study period in Germany . The product has brought outstanding benefits to customers when using it. Specifically: Customers can open a TT account at nearly 1,000 VietinBank transaction offices nationwide; in a short time, customers have a TT account, a balance confirmation to supplement the visa application. Currently , VietinBank is the only Vietnamese bank providing this service to customers who need to apply for a visa to stay in Germany . Continuing to be nominated for 2 awards: Outstanding Retail Bank in Digital Transformation in Vietnam in 2024 and Outstanding Innovation for German Locked Account product in 2024 has once again affirmed VietinBank's position as the leading retail bank in Vietnam, constantly developing convenient products and services for domestic and foreign customers.
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