BIDV continues its decade of leadership with a pair of international awards for Retail Banking

This is the 11th time BIDV has been awarded the title of Best Retail Bank in Vietnam by The Asian Banker magazine, further affirming the bank's leading position in the retail sector and recognizing its new advances in developing innovative products and services in the region.

From a solid foundation to impressive growth milestones

Amidst a rapidly evolving financial banking market characterized by the emergence of new technological trends, diverse customer financial service demands, and higher standard requirements, BIDV remains steadfast in pursuing its customer-centric retail banking development strategy, vigorously promoting digital transformation and business model innovation.

2025 saw many outstanding results in BIDV's retail activities. The scale of retail credit and capital mobilization from individual customers both exceeded VND 1.1 million billion, making BIDV the first bank in Vietnam to achieve this scale in both indicators.

The individual customer base continued to grow strongly in both scale and quality, with a total of over 26 million customers, of which over 84% transacted through digital channels.

Alongside expanding its scale, BIDV focuses on developing specialized financial solutions tailored to the financial needs and behaviors of each customer segment, from young customers, small traders, and retirees to high-end customers.

In the small business and household business segment, BIDV is the pioneer in launching the comprehensive sales management solution MyShop Pro, which is directly integrated into the BIDV SmartBanking application, helping customers manage revenue, cash flow, access digital banking services, and convert tax models in accordance with new regulations.

For young and mass market customers, BIDV pioneered the implementation of many preferential credit programs in the areas of production and business, green credit, and consumer loans. Notably, there is a home loan package for young people under 35 years old with a scale of VND 40,000 billion and the most attractive interest rates on the market, contributing to supporting the younger generation in realizing their goal of settling down in accordance with the Government's policy.

In the high-net-worth customer segment, BIDV continues to assert its pioneering position by partnering with leading strategic partners in the region and internationally to implement exclusive solutions such as Women & Wealth, Next Gen, and Top VIP, delivering financial services and lifestyle experiences that meet global standards.

Breakthrough advancements in completing the digital financial ecosystem

Alongside developing financial products, BIDV identifies technology platforms and digital infrastructure as strategic foundations to enhance customer experience.

2025 marks many important milestones as BIDV continuously launches and upgrades new technology platforms, expands useful features, and meets the specific needs and experiences of customers.

A notable example is the BIDV SmartBanking digital banking application version X with three breakthrough upgrades: reshaping the user experience with two interface versions, Emerald and Pearl; integrating AI/ML to enable deep personalization based on customer behavior; and expanding the digital ecosystem with many new features such as automatic investment, salary advance loans, online card opening, and personal finance management.

Not only meeting daily financial transaction needs, BIDV aims to be a partner accompanying customers in important life decisions such as buying a house or a car. Accordingly, BIDV has upgraded and launched the new version of BIDV Home with a financial service ecosystem for real estate and automobiles that connects customers, investors, banks, and related service providers on the same digital platform.

This ecosystem digitizes the entire journey from product search, purchase, loan application, to loan progress tracking, simplifying the customer experience and expanding market access opportunities for partners within the ecosystem.

Online deposit product wins continental award

Also during this award ceremony, BIDV's online deposit product was honored by The Asian Banker with the "Best Deposit Product in Asia Pacific" award.

The award recognizes BIDV's efforts in promoting online savings habits through its online term deposit product on BIDV SmartBanking, which offers a fast, flexible, and smart experience.

Customers can choose from various deposit options such as fixed deposits or flexible principal withdrawals, receive monthly or end-of-term interest payments, and utilize flexible solutions like online collateral loans or savings account transfers when spending needs arise while maintaining yield.

Not stopping at traditional savings functions, BIDV has also expanded its ecosystem of surrounding utilities, such as savings for home purchase or study abroad goals, to automatic investment tools for idle funds in payment accounts.

Thanks to these conveniences, the scale of deposits through BIDV's digital channels recorded an annual growth rate of over 50% during the 2021-2025 period, contributing to promoting savings habits and expanding access to digital financial services to many customer segments.

The 11th "Best Retail Bank in Vietnam" award and the title "Best Deposit Product in the Asia-Pacific Region" title further affirm BIDV's leading position in the retail banking sector, while ushering in a new era with significant strides in building a modern and sustainable digital financial ecosystem within the retail banking landscape in Vietnam and the region.