In 2019, retail lending exceeded VND 105.2 trillion, representing 45% YoY growth. Our focus was on mortgage loans for off-the-plan properties with a balance over VND 72 trillion and residential houses with balances of nearly VND 13 trillion.
In the Business Banking Division (BB), our aim is to be the one-stop solutions provider for our corporate customers and their value chains.
In 2019, we continued our journey to be truly customer-centric by providing new and improved solutions to address the ever-evolving needs of our customers.
Our Wholesale Banking Division (WB) is striving hard toward the strategic of becoming our customers’ trusted advisor and primary bank. WB has focused this year on implementing our ‘one bank’ approach as part of Techcombank’s 5-year strategy. ‘One bank’ aims to provide value chain solutions to rainmakers and large corporate customers across selected economic sectors and ecosystems.
Our 2016–2020 Customer-Centric Strategy is delivering ever greater value to customers, employees and the community. Our successful operations make customers happy every day, as we go from being a good bank to the best bank.
In 2020 and beyond, Techcombank will continue to deepen our customer insights, develop outstanding IT infrastructure, digitalise our centralised operation system, nurture skilled employees, develop excellent risk management systems. All this and more, will help us realise our ambition to be Vietnam’s #1 most trusted bank.
In 2019, Techcombank continued its transformation journey to be Vietnam’s best bank. Our comprehensive risk management model follows our customer centric strategy of putting the people who bank with us at the centre of everything we do.
Techcombank’s competitive compensation policy is based on our people excellence strategy and aligns with our talent management strategy. We aim to maximise both resource efficiency and employee satisfaction.
Our powerful and unique corporate culture is crucial to our success. It forms the rails upon which the Techcombank train runs smoothly. Shaped by our mission and vision, it forms part of every Techcomer’s DNA, with staff at all levels sharing core values and meeting behavioural norms.