BIDV Review 66 - November 2020

A Newsletter of Bank for Investment and Development of Vietnam JSC • Issue No.66 | Nov 2020

Bidv

honoured as

National Brand 2020

download Bidv review

BIDV headquarters seen from Hoan Kiem Lake, Hanoi

ABOUT BIDV The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV), founded on 26 April 1957, is the longest-established commercial bank in Vietnam. The bank’s operations cover banking, insurance, securities, and financial investment. BIDV has a network of more than 1,060 branches and transaction offices as well as presence in six countries and territories. BIDV has been among Top 2000 largest public companies since 2015 (Forbes); Top 500 most valuable bank brands (Brand Finance). BIDV is headquartered in Hanoi, the capital of Vietnam.

The bank’s stock (ticker: BID) is listed on Ho Chi Minh City Stock Exchange (HOSE).

EXECUTIVE PRODUCER TRAN PHUONG Bank for Investment and Development of Vietnam JSC

Senior Executive Vice President EDITORIAL BOARD Branding and Communication department HEAD OFFICE: BIDV Tower, 35 Hang Voi str., Hoan Kiem dist., Hanoi, Vietnam Tel: (+84) 24 22205544 Fax: (+84) 24 22225316 Contact center: 19009247 Email: bidvreview@bidv.com.vn License No.15/GP-XBBT dated 27 February 2020 by the Ministry of Information and Communications Printed at Vietnam Book Printing Joint Stock Company

Editor’s Letter

T

Dear readers, his November is the month of events and awards for BIDV. Here are some important highlights in the month.

brands through supporting domestic businesses, thereby promoting the image of Vietnam as a country with quality goods and services.

Mrs. Nguyen Thi Hong – deputy governor of the State Bank received the State President's Decision on appointment as Governor of the central bank. Mrs. Hong is the 15th Governor of the State Bank and also the first woman to hold this post in the history of Vietnam’s banking system.

In the month, BIDV was honoured in the category of the Best Investment and M&A Deals in 2019-2020 at the 12th Vietnam M&A Forum held in Ho Chi Minh City for its deal with Hana Bank. Previously, in November 2019, BIDV signed the strategic cooperation agreement with and announced Hana Bank as its foreign strategic shareholder.

Particularly, BIDV issued over 603.3 million shares as a private placement to Hana Bank with a total value of nearly VND20,300 billion (USD875 million).

This is the biggest M&A deal with a strategic investor in Vietnam's banking industry.

On 10 November in Hanoi, BIDV co-hosted the 10th CAIBA Executive Board Meeting and ASEAN+3 Inter-bank Cooperation Mechanism 2020 Meeting (APTIBCM). This is also the first time the CAIBA Executive Board Meeting has virtually been held. Under the theme of "Deepening financial cooperation for sustainable growth in a Post- Pandemic World", the participating members joined to share and exchange key issues of the finance - banking industry, especially experiences in coping with Covid-19.

On 25 November, at the announcement ceremony of Vietnam National Brand 2020, BIDV was awarded the title Vietnam Value. This is the sixth time BIDV has been honoured with this prestigious title. The Vietnam Value Programme is the unique and long-term trade promotion programme of the Vietnamese government, aimed at building and developing national

1

In retail banking, BIDV continues to maintain its position as the largest bank by retail banking.

Recently at the Vietnam Retail Banking Forum, the bank was honoured with two awards namely Outstanding Retail Banking and Digital Transformation Banking from Vietnam Banks Association and International Data Group.

For the SME segment, BIDV has received “Best SME Bank in Vietnam” and “Best Corporate Banking Solution in Vietnam” award by The Asian Banking & Finance (Singapore) for the 3rd consecutive year.

BIDV has achieved outstanding results in SME banking with a customer base reaching 310,000.

Income from SMEs banking accounts more than 30 percent of the bank’s total income.

november 2020

contents

BIDV HIGHLIGHTS

POLICY UPDATE

03. New State Bank Governor appointed

16. New changes in Law on Enterprises

17. Law on e-transactions to be amended LIFESTYLE

04. Deepening financial cooperation for sustainable growth

18. Exploring Cat Cat, a small rustic village in Sa Pa

20. Yang Bay – a magnificent corner of Nha Trang

06. BIDV titled Vietnam Value for the sixth time 07. Cementing leading position in retail banking 08. BIDV wins “Best SME Bank in Vietnam” award

CSR

22. Run for the disadvantaged people

뉴스

24. 포스트 팬데믹 시대, 지속 가능한 성장을 위한 역내 금융협 력 강화

10. AFD to fund BIDV for financing energy project 11. Top 10 largest enterprises in Vietnam 12. Best investment and M&A deals for 2019-2020

26. BIDV, 6번째 국가브랜드 수상 27. BIDV은행, 리테일 뱅킹 영업으로 선두 자리 고수 28. BIDV, 4년 연속 베트남 10개의 최대 기업 중 하나 선정 29. BIDV-Hana: 2019-2020 베트남 M&A 대표 거래 30. AFD, 녹색성장 지원 위해 1억달러 신용한도 제공

MARKET MOVEMENTS

13. Vietnam’s M&A market forecast to make strong bounce 14. Vietnam banks' performance improves with economic

문화

recovery

31. BIDV-하나은행, 협업 1년을 되돌아 보다 32. 베트남 수도 하노이의 특산물 34. BIDV, 불우한 사람들을 위해 달리다

PARTNERS

15. BIC an integral part of BIDV’s business ecosystem

2

B I D V r e vi e w

BIDV Highlights

Ha ng Le

New State Bank Governor appointed

Prime Minister Nguyen Xuan Phuc presents the State President’s appointment decision to Mrs. Nguyen Thi Hong

On 16 November 2020, at the headquarters of the State Bank of Vietnam (SBV), Mrs. Nguyen Thi Hong receives the State President's Decision on appointment as Governor of the SBV.

Mrs. Nguyen Thi Hong - new SBV governor in a group photo with Prime Minister and leaders of the SBV and commercial banks

with numerous contributions to the development of the banking sector.

non-performing loans; apply modern technologies to the development of banking products and services.

The Prime Minister also spoke highly of the proactive, drastic and timely measures the SBV has taken in supporting Covid-19 affected people and businesses through policies of debt rescheduling, exemption and reduction of interest, bank fees, etc.

For her part, the new Governor said she was aware of her great responsibilities upon taking the position of the leader of the banking industry, especially in the current context.

he Prime Minister Nguyen Xuan Phuc presented the State President’s Appointment Decision to Mrs. Nguyen Thi Hong, congratulating her on being approved by the National Assembly and appointed by the State President as Governor of the SBV for the office term of 2016-2021.

Giving directions for the SBV's operations in the coming time, the Prime Minister emphasized that the new SBV Governor should continue and promote the achievements of the previous generations, strengthen the spirit of solidarity and unity to accomplish the assigned tasks.

Mrs. Nguyen Thi Hong affirmed that in the coming time, together with the SBV’s leadership and the SBV entities, the SBV would continue to actively monitor the situations, strictly follow the instructions of the Party, the State, the provisions of law and the directions of the Prime Minister to effectively implement the banking management measures.

The Prime Minister commented that the new Governor is a qualified and experienced leader, who has been entrusted with many positions from operational work to management positions in the banking industry,

In addition, the Prime Minister also stressed that the banking sector must continue to strengthen the banking inspection and supervision to ensure the safety of the system; limit the increase of bad debts and resolve effectively the

T

3

november 2020

Mrs. Nguyen Thi Hong is the 15th Governor of the State Bank of Vietnam and also the first woman to hold this post in the history of Vietnam’s banking system.

BIDV Highlights

Y en Nguye n

Deepening financial cooperation for sustainable growth impacts in order to promptly restore socio-economic activities.

“The State Bank of Vietnam always supports and encourages cooperation mechanisms between financial institutions in the region such as the CAIBA and APTIBCM for strengthening financial products and services for regional economic development”, said Mr. Nguyen Kim Anh.

Representatives of member banks and observing banks attend the virtual CAIBA meeting

On 10 November in Hanoi, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) co-hosted the 10th CAIBA Executive Board Meeting and ASEAN+3 Interbank Cooperation Mechanism 2020 Meeting (APTIBCM).

T

he meeting has the great honor to welcome Mr. Nguyen Kim Anh, Deputy Governor of the State Bank of Vietnam and representatives from the International Cooperation Department of the State Bank of Vietnam; Mr. Deng Xijun - Ambassador Extraordinary and Plenipotentiary of China to ASEAN, representatives of the Vietnam Banks Association, and nearly 70 banking leaders and experts from the member banks and observing banks of CAIBA and APTIBCM.

The year 2020 marks the 10-year establishment and development of CAIBA. This is also the first time the CAIBA Executive Board Meeting has virtually been held.

Under the theme of "Deepening financial cooperation for sustainable growth in a post-pandemic world", the guests and representatives of member banks as well as observing banks of CAIBA and APTIBCM joined to share and exchange key issues of the finance - banking industry in the current period, especially sharing experiences in coping with the impacts of Covid-19.

Addressing the meeting, Mr. Nguyen Kim Anh, Deputy Governor of the State Bank of Vietnam congratulated CAIBA Association on its 10th anniversary and applauded the ASEAN+3 Interbank Cooperation Mechanism which was established in 2019. On this occasion, the Deputy Governor also reviewed the results achieved by Vietnam in response to the pandemic’s

4

B I D V review

In the meeting, the banks emphasized the need to promote greater cooperation among member banks, especially in the current difficult time of the economies. Besides, they also proposed the solutions to encourage bilateral and multilateral cooperation activities among member banks in order to enhance the effectiveness and active role of CAIBA Association and APTIBCM Cooperation Mechanism, which thereby would contribute to the achievement of shared prosperity in the region.

“Over the past 10 years, on the basis of shared interests and for the prosperity of the region, the Association's member banks have strengthened their bilateral and multilateral cooperation and financial connectivity, which enhances the role of the Association in the region” affirmed Chairman of BIDV's Board of Directors, Mr. Phan Duc Tu. “In particular, on the foundation of CAIBA Association and the consensus of member banks, the cooperation mechanism of ASEAN Member Banks and CDB, KDB, JBIC have been established to further expand collaboration and open more opportunities for all parties,

BIDV Highlights

Mr. Nguyen Kim Anh, State Bank deputy governor (centre) and senior leaders of BIDV at the CAIBA meeting in Hanoi

contributing to the development of the ASEAN+3 region”.

During the discussion session, the member banks shared information, experiences and in-depth assessments on topics of interest, including: Regional cooperation to respond to Covid-19 and post-pandemic recovery; Promoting banking digitization during and after Covid-19; and supporting SME clients - the customer segment that was seriously impacted during and after Covid-19. Accordingly, the member banks have launched initiatives, drawing on experiences to better adapt to new circumstances, hence uniting to overcome difficulties and to seize growth opportunities, as well as setting business trends.

The member banks also agreed to sign Joint Statements, demonstrating the determination of CAIBA and APTIBCM member banks in implementing a number of specific contents to cope with the Covid-19 pandemic, in which emphasizing the members’ assurance to support measures taken

by Governments and central banks of the countries, and to provide their assistance for businesses and projects affected by the pandemic

through various forms of cooperation in accordance with the laws and regulations of the parties. The Joint Statements also reaffirm their efforts to promote cooperation in new areas through strengthening the digital economy, enhancing cooperation in sharing information, experiences and lessons learned in response to Covid-19.

Mr. Dong Gull Lee, Chairman and CEO, Korea Development Bank said: “By signing the Joint Statements today, we are opening up an important corridor of cooperation that will lead us to innovation, sustainability, and economic leadership in the region”.

Mr. Nobumitsu Hayashi - Deputy Governor, Japan Bank for International Cooperation expressed his heartfelt appreciation to all the staff, especially those at BIDV and CDB, for organizing the meeting at these difficult times. “We sincerely hope that this Mechanism and the Joint Statements to be announced today will contribute to the regional development in the ASEAN region through our cooperation”, said Mr. Nobumitsu Hayashi.

Concluding the meeting, BIDV transferred co-hosting role to Bank

5

november 2020

Islam Brunei Darussalam of the Kingdom of Brunei for the 2021 CAIBA’s Executive Board Meeting.

About CAIBA The CAIBA was established on the basis of a proposal initiated by China at the ASEANChina Foreign Ministers’ Meeting on July 22, 2010 in Hanoi. Members of CAIBA include 11 major banks from ASEAN countries and China including: Bank Islam Brunei Darussalam - BIBD (Brunei), Canadia Bank (Cambodia), Bank Mandiri (Indonesia), Lao Development Bank (Laos), CIMB Group (Malaysia), Bank for Foreign Trade of Myanmar (Myanmar), Banco De Oro (Philippines), DBS (Singapore), Kasikorn Bank (Thailand), BIDV (Vietnam) and China Development Bank - CDB (China).

About APTIBCM The ASEAN+3 Interbank Cooperation Mechanism (APTIBCM) was established on the basis of a Memorandum of Understanding (MOU) signed by 10 existing ASEAN member banks of the CAIBA Association and the China Development Bank (CDB), Japan Bank for International Cooperation (JBIC), Korea Development Bank (KDB) at CAIBA Executive Board Meeting held in Bangkok, Thailand in 2019.

BIDV Highlights

Tha o Nguyen

BIDV titled Vietnam Value for the sixth time integration. This is a driving force for BIDV to continue enhancing the value of its products, services and competitiveness, contributing to bolstering the reputation and image of Vietnamese businesses in general and the Vietnamese banking industry in particular in the regional and international markets.

Deputy Prime Minister Truong Hoa Binh and Minister of Information and Communications Nguyen Manh Hung present the title Vietnam Value to BIDV

On 25 November at the announcement ceremony of Vietnam national brand 2020, BIDV was awarded the title Vietnam Value. This is the sixth time BIDV has been honoured with this prestigious title.

T

he Vietnam Value Programme is the unique and long-term trade promotion programme of the Vietnamese government, which is carried out by the Ministry of Industry and Trade in coordination with other ministries and agencies.

The programme has been implemented since 2003 and aims to build and develop national brands through supporting domestic businesses in the

economy, thereby promoting the image of Vietnam as a country with quality goods and services and enhancing the competitiveness for Vietnamese businesses in the domestic and international markets.

The Vietnam Value is recognition of the role, value and contribution of BIDV to the country’s socio-economic development and international

Over the past years, BIDV has constantly diversified and improved the quality of products and services, launching more than 1,600 payment services to customers to increase customer experience. BIDV has pioneered in launching modern electronic banking applications and products such as BIDV SmartBanking, iBank, applying blockchain in trade finance as well as new technology in Robotics and artificial intelligence. In 2020 with the motto "Change to lead", BIDV continues to promote the digital transformation of the customer base - a strong step in its effort to serve customers better.

BIDV boasts a network of more than 1,000 branches and transaction offices nationwide as well as presence in 6 countries and territories.

Enterprises with products being recognised as national brands

6

B I D V review

BIDV Highlights

Ti en Hung

Cementing leading position in retail banking With the orientation for 2020 “Change to lead”, BIDV has continued to maintain its leading position in the retail banking segment in Vietnam, winning 2 awards including “Outstanding Retail Banking” and “Digital Transformation”.

T

he award ceremony took place at Vietnam Retail Banking Forum 2020 held by Vietnam Banks Association and International Data Group (IDG).

The annual Vietnam Retail Banking Forum is the biggest event of the finance and banking industry in Vietnam, participated by the largest banks in the country. The awards under the scope of this event signified the recognition of the business results and outstanding achievements of the banking sector during the challenging and unpredictable year 2020.

With specific and detailed criteria, after a fair and transparent assessment process, the judges highly appreciated the achievements and efforts that BIDV had made in the past year.

The “Outstanding Retail Banking 2020” award recognizes BIDV’s effort in maintaining its leading retail banking position with the highest net retail growth in the first 9 months of 2020 among other domestic banks.

Particularly, the bank’s retail outstanding balance reached nearly VND400,000 billion (USD17.2 billion); retail deposits hit VND630,000 billion (USD27.2 billion). With an average annual growth rate of 1.3 million new

Representatives of BIDV receive the two awards “Outstanding Retail Banking” and “Digital Transformation” from the organizers

customers per year, BIDV has been serving a total of 12 million individual customers. The lender has given retail banking efficiency the highest priority while managing risks according to international practices. Profit before tax from retail banking reached VND6,200 billion, accounting for 65 percent of the bank’s profit before tax.

BIDV has taken advantage of having a foreign strategic investor - Hana Bank - to implement 7 key retail projects focusing on 3 products: private banking service, retail credit, and international money transfer - thus creating a breakthrough in BIDV's retail banking operations in the Vietnamese banking system.

The 2020 retail banking award introduced a new category for “Digital Transformation Banking” award to promptly appreciate the largest transformation in banking operations over the past years. BIDV was honored with this prestigious award for its excellent results in the transformation

7

november 2020

of banking operations in 2020.

With a strong and comprehensive digital transformation strategy, BIDV has achieved practical and specific results. The number of customers using e-banking has skied rocket to nearly 6.5 million individual customers and 60,000 business ones. The number of transactions and value via e-banking and self-service channels has increased sharply, accounting for 87 percent of total transactions. Mobile and internet banking accounted for 52 percent with yearly average reaching nearly 200 million transactions via digital channel. The rate of error transactions and customer feedback drops below 1 percent.

BIDV has connected a payment gateway (BIDV Paygate) to 24 out of 32 Fintechs and 756 merchants in Vietnam, providing 1,550 online payment services to implement intermediary payment services such as online payment, e-wallet, and cash collection services.

BIDV Highlights

Hu yen Truc

BIDV wins “Best SME Bank in Vietnam” award

Thanks to its banking solutions for SMEs and positive business results, BIDV has received “Best SME Bank in Vietnam” and “Best Corporate Banking Solution in Vietnam” award by The Asian Banking & Finance (Singapore) for the 3rd consecutive year.

D

r. Tran Long – Senior Executive Vice President of BIDV said: “This award marks a milestone in the 5 years BIDV has concentrated on the SMEs sector. With the orientation of putting customers at the center, employing breakthrough technology, BIDV continues to accompany SME customers towards building a dynamic and sustainable SME community”.

To make a decision on the award, the consulting council of The Asian Banking & Finance has taken into account the business results and commitments that BIDV had made for SMEs compared with other banks.

Having made continuous efforts, BIDV has achieved outstanding results in SME banking, such as: customer base expanding rapidly to 310,000 SME customers in 2020, accounting for 39 percent of those in Vietnamese banking system; outstanding balance of SMEs at the bank reaching VND350 trillion (USD15 billion), a 20 percent year-on-year growth; income from SMEs banking contributing more than 30 percent to the bank’s total income.

To land such outstanding results and maintain its leading position, BIDV has provided comprehensive solutions to customers.

8

B I D V review

Promoting sustainable green credit line BIDV has been focused on promoting green credit growth and social risk management in its credit activities.

The bank has proactively prioritized capital of up to USD1 billion for SME customers doing business in renewable energy, wind energy, and solar energy; especially women-owned businesses and those in agricultural and rural sectors.

BIDV Highlights

online fee collection, tax payment, bill payment, money transfer, cash management, e-merchant, and online loan registration to name a few, making it convenient for customers when banking with BIDV.

Providing synchronized solutions to support SMEs So far, BIDV has implemented a lot of supporting programs exclusively for SMEs customers such as the VND100 trillion (USD4.3 billion) credit package; the VND5 trillion (USD215 million) credit package for micro-enterprises and start-ups. The lender has signed a master agreement with the Small and Medium Enterprise Development Fund to create favorable conditions for businesses in Vietnam to access capital at low cost and create momentum for SMEs’ further development.

BIDV representatives receive the “Best SME Bank in Vietnam” award.

In addition, BIDV has been actively cooperating with domestic and foreign organizations such as the Embassy of Belgium, UNDP FI, AFD, WB, GIZ, the Ministry of Natural Resources and Environment, and the State Bank, to develop programs on green credit, sustainable development, social environment protection, CSR, etc.

Promoting digital banking and moving customers digital

In late 2018, BIDV launched BIDV iBank – an online banking platform designed for enterprise customers.

By October 2020, BIDV iBank had reached over 45,000 users, making over 1 million transactions p.a., the total value of transactions hitting more than VND800 trillion (USD34.5 billion).

BIDV keeps providing comprehensive solutions to promote cashless payment in hospitals, educational institutions, rapidly completing financial service ecosystem for enterprises including

9

november 2020

In 2020, BIDV has promptly supported SMEs to overcome the impacts of the pandemic and natural disasters, cutting lending interest by up to 2 percent p.a. for over 3,000 customers with outstanding balance of VND50 trillion (USD2.15 billion); offering a VND70 trillion (USD3 billion) credit package for new customers affected by the Covid-19 pandemic, among others.

Recently, BIDV has been recognized by prestigious domestic and international organizations with the “Best SME Deal 2019” award by ADB; “Best SME Bank in Vietnam” award (2018 - 2019 - 2020)

by The Alpha Southeast Asia; “Top 10 Sustainable Enterprises 2019” in Trade and service category by Vietnam Business Council for Sustainable Development.

BIDV Highlights

Thu Lien

AFD to fund BIDV for financing energy projects Recently BIDV and the Agence Française de Développement (AFD) has signed a Letter of Interest on SUNREF green credit line to finance enterprises for green growth.

A

ccordingly, AFD is committed to fund BIDV a long-term loan worth USD100 million as well as providing technical assistance up to EUR300,000 to BIDV and its customers. Mr. Le Ngoc Lam - Senior Executive Vice President in charge of the Board of Management of BIDV, and Mr. Fabrice Richy – Director of AFD Vietnam, represented the two sides to sign the Letter of Interest.

BIDV is one of the leading financial institutions in Vietnam with long experience in managing foreign entrusted funds and providing modern banking products and services for customers, contributing to effective realisation of the target set by donors and the government of Vietnam.

Leaders of BIDV and AFD pose for a photo after the signing ceremony

credit line marks a significant milestone in the cooperation between BIDV and AFD. It reaffirms the partnership of BIDV with major donors in promoting Vietnam's economic development, contributing to the successful implementation of the resolutions of the Party and the Government”.

In recent years, BIDV has been trusted and selected by the Government, ministries and donors as the bank to relend key and large foreign entrusted funds. In particular, for AFD funds, BIDV has been trusted to implement a number of projects such as the Northern Power Transmission Project worth EUR40 million; housing development program in flood-hit areas in the Mekong Delta worth EUR25 million, among others.

Mr. Fabrice Richy, Director of AFD Vietnam, expressed his confidence: “We are very proud of the cooperation with BIDV to set up this USD100 million green credit line. This credit line will finance projects mainly in the renewable energy and energy efficiency areas, thus helping improve the country’s energy structure in response to climate change and the implementation of the Paris Agreement on climate change - the core topic of AFD's operational strategy in Vietnam”.

Mr. Le Ngoc Lam said: “The signing of the Letter of Interest on AFD SUNREF green

Over the past time, recognizing the importance of supporting

10

B I D V review

enterprises to invest in the energy sector, especially renewable energy, environmental protection, climate change response and green growth, BIDV has focused on lending this group of customers. The loan scale for the energy area at BIDV has grown constantly during 2017-2019 at the rate of 9.66 percent p.a. Outstanding balance of this sector reached over VND46,000 billion (USD2 billion), accounting for 4.2 percent of the lender’s total outstanding balance.` As well as providing BIDV with a long term fund to finance green and sustainable development, AFD will cooperate with BIDV to optimize the positive social and environmental impacts of the credit line, assisting the construction of a social and environmental management system and sharing practical experience in implementing SUNREF in other countries.

BIDV Highlights

Co ng Ch ung

Top 10 largest companies in Vietnam the banking industry to support businesses and people to overcome the consequences of Covid-19, ensuring stable living conditions and production and business activities. According to preliminary calculations, BIDV expects to spend VND3,500-4,500 billion (USD195 million) in 2020 to support customers to overcome Covid-19.

Customers conducting transaction at a BIDV branch in Hanoi

BIDV continues to be honored as one of the 10 largest enterprises in Vietnam according to the VNR500 list (ranking top 500 largest enterprises in Vietnam) recently announced.

T

his is the 4th consecutive year (2017-2020) BIDV has been among the top 10 of the VNR500 Ranking.

Also, according to the Profit 500 Ranking (top 500 most profitable enterprises in Vietnam) in 2020, BIDV ranked 14th. Previously, from 2017 to 2019, BIDV continuously ranked in the top 15 in the Profit 500 Ranking BIDV is the leading commercial bank in Vietnam with the total assets as of the end of September 2020 reaching about VND1.47quadrillion (USD63.3 billion), customer deposits over VND1.15 quadrillion (USD50 billion); customer loans reaching VND1.15 quadrillion (USD50 billion).

Especially, in the first 9 months of 2020, promoting the role of a special state-owned enterprise, BIDV joined

11

november 2020

In 2020, with positive results in many aspects of operations, BIDV is recognized by domestic and international organizations with many awards: Top 2,000 largest public companies in the world (Forbes), Top world's 300 most valuable banking brands (Brand Finance); "Best SME Bank in Vietnam" (Alpha Southeast Asia Magazine); The Best Bank in Vietnam and the Best Cash Management Bank in Vietnam (The Asian Banker). BIDV was also honored as Outstanding Enterprise for employees during the period 2019-2020.

The VNR500 and Profit 500 rankings are jointly implemented by Vietnam Report Joint Stock Company (Vietnam Report) and Vietnamnet newswire, and have been annually published since 2007 with the aim of honoring the largest scale businesses in Vietnam with remarkable achievements in business activities. The rankings are based on independent research and evaluation according to international standards and consultation by domestic and foreign experts, combining analysis of business revenues, total assets, total employees, profit after tax and other indicators such as ROA, ROE, and corporate media.

BIDV Highlights

Tha nh Van

Best investment and M&A deals for 2019-2020 seems to be very much in line with the forecasts of many domestic and foreign organisations as Vietnam is one of the rare bright spots on the radars of international investors.

BIDV - Hana deal is honoured at Vietnam M&A Forum 2020

BIDV was honoured in the category of the Best Investment and M&A Deals in 2019-2020 at the 12th Vietnam M&A Forum held on 25 November in Ho Chi Minh City.

T

he Vietnam M&A Forum 2020 took place in the new normal while Vietnam, as part of the global economy, is trying to shake off the blow from the coronavirus pandemic and make the most of the new investment trends of the region and the world at large.

Nevertheless, unlike most other economies, the outlook for the Vietnamese economy remains quite positive thanks to the country’s efforts to take drastic measures to reform the domestic investment and business climate, effectively curb the pandemic, and potentially benefit from a noticeable shift in foreign investment flows.

Experts have high hopes for an upsurge in the scale and value of M&A deals in the Vietnamese market in the coming time. This expectation

In November 2019, BIDV signed a strategic cooperation agreement with Hana Bank - the foreign strategic shareholder who owns 15 percent of BIDV’s charter capital. Particularly, BIDV issued over 603.3 million shares as a private placement to Hana Bank with a total value of nearly VND20,300 billion (USD875 million). This is the biggest M&A deal with a strategic investor in Vietnam's banking industry.

Hana Bank's large investment in Vietnam is a clear testament to the optimism and confidence in the stability and development potential of Vietnam's economy and the finance and banking industry in general and BIDV in particular.

The Best Investment and M&A Deals of the Year 2019-2020 Companies Masan Group BIDV Vinhomes Stark Corporation Sumitomo Life and Bao Viet Holdings Danh Khoi Holdings Aozora Bank-OCB FWD Group Pharmacity Vinamilk

12

B I D V review

Deals Masan and member companies struck deals with VinCommerce, Starck, NET, and 3F BIDV sold shares to KEB Hana Bank KKR & Temasek acquired a stake in Vinhomes Stark Corporation purchased 100 per cent equity of Thipha Cable and Dovina Sumitomo purchased shares of Bao Viet Danh Khoi Holdings acquired the Sun Frontier project Aozora Bank acquired a stake in OCB FWD Group acquired Vietcombank-Cardif Life Insurance (VCLI) Pharmacity successfully completed fund raising rounds Vinamilk & GTNFoods acquired Moc Chau Milk

market movements

Tu e M inh

Vietnam’s M&A market forecast to make strong bounce Mergers and acquisitions (M&A) in Vietnam is forecast to recover to reach USD4.5 - 5 billion by 2021 before strongly bouncing to reach USD7 billion in 2022.

“T

he M&A market in Vietnam has developed strongly with thousands of transactions totalling nearly USD50 billion over the past decade. However, the global Covid-19 pandemic has seriously affected international trade and investment activities. The value of M&A deals in Vietnam in 2020 is expected to decline, estimated at USD3.5 billion, equal to 48.6 percent of 2019”, said Mr. Tran Quoc Phuong, Deputy Minister of Planning and Investment Phuong at the M&A Forum 2020.

In the first half of 2020, (foreign direct investment) FDI into developed economies plunged 75 percent compared to 2019 while FDI into developing countries slid by 16 percent. In particular, the total value of cross-border M&A transactions stood at only USD319 billion. Of this, developed economies that account for 80 percent of global M&A transactions saw a 21 percent decline.

However, according to the Mergers & Acquisitions Forum (MAF) research of the CMAC, Vietnam’s M&A market is least affected by the pandemic

Ho Chi Minh City, Vietnam

compared to other countries in Southeast Asia.

The Corporate Investment and Mergers & Acquisitions Centre (CMAC) said in the period June 2019 – October 2020, main industries attracting M&A deals are real estate, finance - banking, industry, retail, logistics, agriculture, health, and construction. The market continues to be led by foreign investors from countries such as Japan, Korea, Thailand and Singapore.

The latest report by the Euromonitor Market Research Group on M&A index has rated Vietnam as the market with the most dynamic and potential M&A activity globally this year.

Vietnam ranks second out of 50 economies in the mergers

13

november 2020

and acquisitions environment attractiveness index. The country’s score is only behind the U.S.’s for both years with 102 in 2020 and 94.6 in 2021. In terms of the fastest increase in the scores, Vietnam was the fifth in the world behind Singapore, Ireland, the Philippines, and Qatar.

Vietnam has numerous charms for foreign investors, being the only country in the region to produce positive growth this year. In addition, the country’s free trade agreements namely the Comprehensive and Progressive Agreement for TransPacific Partnership (CPTPP), EU Vietnam Free Trade Agreement (EVFTA) and EU - Vietnam Investment Protection (EVIPA) also make Vietnam more attractive for foreign investors.

market movements

Tu e An

Vietnam banks' performance improves with economic recovery Vietnam banks' 3Q20 results highlight easing pressure on asset quality and profitability on the back of an improving economic outlook, says Fitch Ratings in a new report released in November 2020.

V

ietnam's GDP growth accelerated to 2.6 percent yearon-year in the third quarter and the job market is on the mend after the coronavirus-induced economic shock. Fitch expects the economy to continue to recover, helped by wellcontrolled local coronavirus infection

rates. This bodes well for borrowers' debt-servicing capacity, and underpins the banking system's profitability in the near term.

months of 2020 to reflect higher assetquality stress. Better operating-cost control has mitigated these provisions to buttress profitability so far.

The problem-loan formation rate has declined since 2Q20, and the firm expects reported asset-quality metrics to continue to benefit from regulatory relief on loan classification for pandemic-affected exposures - which is likely to remain in effect until late into 2H21.

Fitch expects earnings to recover in 2021 with lower impairment charges and a sustained recovery in loan growth. Yet this will partially be offset by continued compression in net interest margins, which is likely to be more pronounced among the stateowned banks.

Nevertheless, Fitch looks beyond purely non-performing loan (NPL) metrics when assessing the banks' asset quality. Banks have also booked higher credit provisions in the first nine

Capitalisation for Vietnamese banks remains thin for the given risks in the local operating environment.

Nevertheless, the recovery in economic activity and banks' profitability should generate sufficient retained earnings to support near-term growth to keep capital ratios stable.

Despite the general difficulties of the economy and the banking sector due to Covid-19, in the first nine months of 2020, BIDV maintained stable business operations and ensured safety and efficiency. The bank’s consolidated profit before tax reached VND7,062 billion (USD304.4 million), a slight increase compared to the same period last year and an appropriate growth in the context of BIDV using resources to support the economy and customers affected by Covid-19. BIDV has made full provision for risks according to debt classification. Operational indicators are ensured according to regulations.

14

B I D V review

partners

M anh Hai

BIC an integral part of BIDV’s business ecosystem before tax reached VND326 billion (USD14 million), an increase of 35 percent over the same period last year, surpassing 135 percent of the year plan. Retail distribution channels also achieved impressive results, especially Bancassurance with the growth of 67 percent year-on-year.

BIDV's board chairman Phan Duc Tu presents 8 golden words to BIC, expecting the company to develop stronger in the coming time.

After 15 years of operation, BIC has become a large public company with premiums increasing by more than 50 times compared to the first year of establishment.

A

ccording to the Insurance Association of Vietnam, in the first half of 2020, BIC was in the Top 7 leading non-life insurers by share of direct premiums. In the period 2006 - 2020, BIC's profit before tax saw an annual growth rate of 26 percent p.a. Owner’s equity also increased impressively by 11 times compared to 2006.

Though affected by the Covid-19 pandemic, BIC posted positive business results in the first 10 months of the year. Specifically, the parent company’s premiums hit VND2,007 billion (USD86.5 million), up 15 percent yearon-year, completing 83 percent of the year plan. Of which, direct premiums reached VND1,844 billion (USD79.5 million), up 16 percent year-on-year.

The company’s consolidated profit

15

november 2020

Mr. Tran Xuan Hoang – a board member at BIDV, Chairman of BIC stated the overall goals of BIC in the next 5 years. Particularly, direct premiums to grow 20 percent p.a., Bancassurance revenue growth at 40 percent p.a.; separate profit before tax to grow higher than the average of the past 5 years, and combined cost ratio at 95 percent by 2025 Mr. Phan Duc Tu, Chairman of the Board of Directors of BIDV, affirmed that BIC is an integral part of BIDV's business ecosystem. After 15 years, the company has made a strong transformation, cementing its position as one of the two main business pillars of the BIDV system. Mr. Phan Duc Tu lauded BIC's achievements and contributions to the development of the BIDV system. He said BIDV was committed to dedicate the best resources for insurance business at BIC. In its business strategy to 2025 and vision to 2030, BIDV has identified insurance as a key source in the bank system's ecosystem. The BIDV chairman expected that BIC will continue to have strong development, becoming a leading insurance company in the country and the region.

Policy update

M inh Thao

New changes in Law on Enterprises On 17 June 2020, Vietnam’s National Assembly passed the amended Law on Enterprises which will take effect on 1 January 2021. BIDV Review introduces some key highlights of the new law.

New definition of State-owned enterprises As defined in clause 11 of Article 4 in the 2020 Law on Enterprises, stateowned enterprises (SEOs) include those in which the State owns more than 50 percent of the charter capital or total voting shares as provided in Article 88 in this Law. Meanwhile, under the regulations in the 2014 Law on Enterprises, a state-owned enterprise is an enterprise with 100 percent of its charter capital held by the State.

Amending regulation on the right of common shareholder As prescribed in the 2020 Law on Enterprises, a shareholder or a group of shareholders must own 5 percent or more of total common ordinary shares, or own a lesser percentage thereof as stipulated in the company's charter to hold the rights granted to common shareholders prescribed in Clause 2 of Article 115 in this Law. The new law removes the regulation on the possessing time of “at least 06 consecutive months” of shareholders or groups of shareholders owning 10 percent and above of the common shares.

In reality, there are many cases that the investors have purchased a lot of shares in the business but lost their rights and benefits since they could not meet the

regulations on ownership period for at least 06 consecutive months. Therefore, this regulation is to protect the legal interests of shareholders

Adding more obligations to shareholders In addition to inheriting the provisions on obligations of common shareholders laid down in Article 115 of the 2014 Law on Enterprises, the 2020 Law on Enterprises sets out the following additional regulation in Article 119: “Secure information provided by the company in accordance with the company's charter and law; only use the information provided to exercise and protect its legitimate rights and interests; strictly prohibit distribution, duplication or sending of information provided by the company to the other organization or individual.”

Removal of seal specimen The amended Law on Enterprises

16

B I D V review

removes the procedure to notify the seal specimens, including the carving seal and digital signatures, to the Business Registration Authority (BRA).

Additionally, enterprises are allowed to decide on the type, number, form, and content of the seals for its branch, representative offices (ROs) and other units without notifying the BRA. The requirement on changes to the personal information of a company manager has also been removed.

Non-voting depository receipts The 2020 Law on Enterprises includes an additional regulation regarding nonvoting depository receipts as follows: Ordinary shares used as underlying assets for issuing non-voting depository certificates are referred to as underlying ordinary shares. Nonvoting depository certificates have economic benefits and obligations corresponding to underlying ordinary shares, except voting rights. The Government will regulate non-voting depository receipts.

Policy update

An Thao

Law on e-transactions to be amended The Ministry of Information and Communications is proposing to amend and supplement some articles in the 2005 Law on Electronic Transactions in order to solve shortcomings.

T

he law was passed by the National Assembly in 2005, and it had played an important role in creating a legal basis to promote e-transactions, promoting the application of information technology and contributing to socio-economic development for nearly 15 years.

However, there are some shortcomings which needed to be amended and supplemented.

Statistics in the e-Commerce White Book 2019 showed that the size of the e-commerce market reached about USD7.8 billion in 2018, including online retail, travel, marketing, entertainment and purchase of other digital products and services. If the growth rate continues at 30 percent, the market size will reach USD13 billion by the end of this year.

However, many experts believed that the implementation of contracts, digital signatures, electronic authentication and payments still had many shortcomings which limited the development of electronic transactions even though the Government had a policy to promote the digital economy.

Customers using BIDV SmartBanking to conduct financial transactions.

According to the Ministry of Information and Communications, the goal is to build in the direction of expanding the scope to suit the development of Industry 4.0 and the digital economy.

At the same time, the amendment also aims to suit international treaties related to free trade agreements to which Vietnam is a member to facilitate the promotion of development as well as the protection of legal rights and interests for those participating in e-transactions.

The amendment and supplementation draft will include regulations on prohibited acts related to electronic identification and authentication, electronic transactions among state

17

november 2020

agencies, electronic transactions between state agencies and organisations and individuals.

The Ministry of Information and Communications will be the agency responsible to the Government for presiding and co-ordinating with relevant ministries and agencies in performing the state management of electronic transactions.

The draft will supplement the regulations on converting paper documents into electronic documents and additional regulations on electronic identification, authentication, trusted services and service providers.

lifestyle

Le Ha

Exploring Cat Cat, a small rustic village in Sa Pa As one of the most attractive scenic areas in Sa Pa, the premier trekking base of Vietnam, Cat Cat is a lovely village with peaceful views and distinctive customs and practices of the ethnic H’mong.

Picturesque scenes Surrounded by rice terraces and rolling green hills, Cat Cat village is considered a great place for trekking and sightseeing to experience the way of life in the mountainous area.

Along the way to Cat Cat village, you may also witness the picturesque scenes of Sa Pa, including mighty

mountains, immense forests, amazing terraced fields, beautiful valleys, and dazzling waterfalls.

Spend a day in Cat Cat village, and you will never regret your choice.

In the early 20th century, the French discovered and made this land a resort for officials. And the beautiful waterfall at the entrance, which is pronounced “Catscat” in French, became the name of the village afterward. This waterfall originated from the Fansipan mountain, through the forest, delivering water directly to the rice

18

B I D V review

paddy terrace fields, becoming the water source of the village.

Since Cat Cat village is tiny and approachable from Sa Pa town, you can easily spare a day from your Sa Pa tour to discover the best of Cat Cat village.

Sa Pa has always been famous for its breathtaking scenery and tranquil air.

Enjoying the Sa Pa view when trekking to Cat Cat village in the morning is your first reward. Following the main road from Sa Pa to meet the trail to the bottom of Muong Hoa valley, where Cat Cat village sits, you will

lifestyle

As part of Sa Pa, Cat Cat village bears the same weather conditions.

September-November/March-May: stable weather, dry sunny days, cold nights. Suitable for picnics and homestay.

April-May: the time for transplanting rice on terraced fields, and also the flowering season. If you want to have great photos, travel to Cat Cat village at this time.

September-October: the rice crop season with golden scenery across the hills. With fresh and pleasant air, you can make long-distance trips.

see Fansipan mountain, the highest peak of all Indochina; although far, the look is extremely impressive.

Keep moving forward, and you will be treated to splendid lush green vistas of flower gardens and rice terraces, then

thrillingly experience walking over a narrow suspension bamboo bridge above the river before entering this small village.

The best time to travel

19

november 2020

December-February: very cold, and ice can be found and sometimes it snows. This is also the season for peach blossoms. However, traveling through the villages may be more or less difficult.

Source: Vietnamnet

lifestyle

Q u ynh Chi

Yang Bay - a magnificent corner of Nha Trang Apart from the beautiful beach and ocean, Yang Bay waterfall is a different beautiful corner of Nha Trang coastal city where tourists can enjoy and immerse themselves in the beauty of grandiose falls and dense forests.

Y

ang Bay, whose name means “waterfall of heaven� in the language of the regional Raglay ethnic minority, feeds much water into the Cai River in Nha Trang.

Several years ago, Yang Bay was still an unknown place. It lies deep in a valley surrounded by thick forest in the mountainous district of Khanh Vinh in the central province. Until now, the place has been discovered and becomes an ideal place to escape the bustling city for a while and appreciate some natural wonders.

Located 100m above sea level, Yang Bay waterfall consists of several cascades. From the top, the waterfall running through the natural forest makes a variety of stops, forming many small pools. Those receive the clean water from above and then after keeping it for a while, pour it out downstream.

The droplets then fly through the air in all directions, creating a thousand tiny sparkles. At the foot of the waterfall is a lager pond. A

20

B I D V review

lifestyle

enjoy many recreation activities in Yang Bay park that include swimming in the three different temperature natural hot springs, feeding the bears, crocodiles, pig racing, ostrich riding.

There are gorgeous restaurants for tourists to have wonderful lunch.

layer of sand covers its bottom.

A series of small waterfalls in the area are streaming down to the lake making up the white water currents. Besides, wooden bridges, stone-made steps, and small caves exert a challenging feeling for tourists.

In the resistance wars, the small caves were used as a shelter for the revolutionary soldiers.

Herein exists innumerable tropical insects, colored-multi butterflies, limpid small springs half hiding under

the shadow of thick jungles and the sound of springs makes a romantic feeling for poetic souls‌ According to a foreign tourist, this is a beautiful relaxed place to be and see. “We have a swim in clean clear slightly chilled water and watch the lovely waterfall at the same timeâ€?

Beside nature beauty, tourists can also

21

november 2020

In addition, when visiting Yang Bay, tourists can hear not only the sound of water splashing over the rocks but also the sound of the dan da, or lithophone.

The typical musical instrument of the Raglay is made of stone slabs linked together by a cable. When hitting on the slabs, the sound is that of wild nature. The normal life of the regional Raglay ethnic minority will be also a reason for tourists to come and explore Yang Bay.

CSR

Ho a Quynh

Run for the disadvantaged people The race was held online via BIDVRun app using Strava platform. BIDVRun is an application developed by BIDV with the aim of connecting people with the passion for running, sharing the difficulties with the disadvantaged communities.

BIDV expressed its expectation that the program will continue to promote the tradition of implementing social security "for the poor" across the BIDV system and spread the good things and human values in life.

BIDV leaders join the kick-off of the “Warm Tet for the poor” running race

The running race “Warm Tet for the poor – Sending love to people in the central region” donates VND13.5 billion (USD580,000) to support disadvantaged people across the country.

contributed by BIDV from VND1,000 to VND3000 per km. The money will be used to buy Tet gifts for the poor and the people in the flood-hit central region.

A

fter 22 days kicked off, the race attracted the participation of over 59,000 athletes running a distance of 3.5 million kilometers which is equivalent to VND13.5 billion.

This is the second year BIDV has organized this charitable running race, a public event opened for everyone.

The purpose of this event is to mobilize the bank’s officers, customers, and the community to join hands to make donations for the poor on the occasion of Vietnamese New Year (Tet). Particularly, all athletes' performance will be recognized and

22

B I D V review

As a major financial institution, in addition to key tasks of implementing monetary policies and business efficiently and securely, BIDV always carries out the responsibilities to the society and community and considers them one of its important tasks.

The bank organised social security activities in regions across the country with a total annual budget of nearly VND300 billion (USD13 million).

리뷰

번역감수: 박성재 전략부 2 부장

뉴스

포스트 팬데믹 시대, 지속 가능한 성장을 위한 역내 금융협력 강화 이는 2020년 11월 10일 하노이에서 BIDV가 공동 주최했던 제 10회 아세안-중국 은행 협회 (CAIBA) 연례 온라인 회의 및ASEAN+3 (아세안과 중 국, 일본, 한국) 대표금융기관간 협의체인 (APTIBCM) 연례회의의 주제였다.

Nguyen Kim Anh베트남 중앙은행 부총재, Deng Xijun주아세안 중국대사관 대사, 베트 남 중앙은행 국제협력부, 베트남 은행협회 대 표자와 70여명의CAIBA및 APTIBCM 회원 은 행 대표자가 이번 회의에 참석했다.

지역내 협력 강화 아세안-중국 은행 협회 (CAIBA)는 출범한 지 10년이 되었으며, 2020년 CAIBA 연례회의는 처음으로 On-line 방식으로 개최되었다. “포스트 팬데믹 시대에 지속 가능한 성장을 위 한 역내 금융협력 강화”라는 주제로 CAIBA협 회 및 APTIBCM의 회원과 옵저버 은행의 대표 자가 현재 금융-은행산업의 주요 이슈에 대해 공유하며, 특히 코로나-19의 대처 경험에 대 해 토론하였다.

Phan Duc Tu BIDV 회장 CAIBA회의 발표

24

BIDV 리뷰

회의 참석 자리에, Nguyen Kim Anh베트남 중앙은행 부총재가 CAIBA협회 창립10주년을 축하하며, 2019년 설립 된 APTIBCM의 참석 을 환영하였다. Anh부총재는 코로나-19상황 에서 경제-사회 회복을 위한 베트남의 대응 결 과를 점검했다. "선제적이고 적극적인 통화 및 재정 정책을 바탕으로, Covid-19의 영향을 극 복하기 위해, SBV는 기업과 국민을 위한 솔루 션과 지원 프로그램을 시행하였습니다. 지난 9 개월 동안 베트남 은행 산업은 시스템의 유동 성 보장, 통화 시장 안정화, 은행 간 저금리 유 지, 대출 금리 인하, 환율 및 외환 시장 안정화 등 중요한 성과를 거두었습니다. 또한, 국가 외 환 보유고를 지속적으로 늘리고 있습니다. 이

뉴스

은행대표자 CAIBA회의 참석

를 통해, 안정적인 경영 환경을 유지하고, 투자 자본 유치를 위한 국가 신용 등급 유지와 투자 자들의 신뢰를 증대하였습니다." 회의에서 은행 대표자들은 각 은행 간 협력의 필요성, 특히, 여러가지 곤란을 겪고 있는 현재 상황에 더욱 집중해야 한다고 강조하였다. 또 한, CAIBA 협회 및 APTIBCM의 효과와 역할 을 강화하기 위해, 회원 은행 간의 양자 및 다자 협력 활동 강화를 제안하였다. 특히, Phan Duc Tu BIDV 회장은 다음과 같이 강조하였다: "지난 10년간에 지역의 공동 이 익 및 번영 발전을 바탕으로, 회원은행들은 양 자 및 다자 협력을 강화했으며, 지역내 협회의 역할을 제고하였습니다. 특히, 아세안 회원 은 행과 중국산업 은행(CDB), 일본국제협력은행 (JBIC), 한국산업은행(KDB) 간의 협의체는 다자간 협력 기회를 열어 ASEAN + 3 지역의 공동 발전에 중요한 기여를 하였습니다."

코로나-19 공동 대응 회원 은행들은 COVID-19를 대처하기 위해, CAIBA 및 APTIBCM 회원 은행의 결정을 나타

내는 공동 성명서에 서명했다. 참조정보 Nobumitsu Hayashi일본국제협력은행 (JBIC) 부행장은 코로나-19 의 어려운 상황 에서 회의를 개최하는 BIDV와 CDB의 노력 에 대해 높은 평가했으며, 아세안 지역 발전에 APTIBCM 헙의체가 기여하기를 희망하였다. 이동걸 한국산업은행 회장은 “우리는 지역의 혁신, 지속 가능성 및 경제 리더십으로 이끄는 중요한 협력의 통로를 열고 있습니다”라고 언 급하였다. 또한, 토론 세션에서, 회원 은행은 코로나-19 대응 및 전염병 이후 회복하기 위해 역내 협 력, 코로나-19 발생 및 이후 은행 디지털 촉진, SME고객 지원 등 관련 내용 정보 및 경험을 공 유하였다. 이에따라, 회원은행들이 어려움을 극복하고, 성장 기회를 포착하여 새로운 상황 을 적응하기 위해 대안을 제시하였다. 이번 회의를 성공적으로 종료한 후에 BIDV는 2021년 연례회의 공동 주최 권한을 브루나이 Bank Islam Brunei Darussalam 은행에 인 계하였다.

25

2020 년 11 월

아세안-중국 은행 협 회 (CAIBA): CAIBA 협회는 2010 년 7 월 22 일 하노이에 열린 아세안-중국 외교 장관 회의에서 제창 및 설립되었다. 협회의 회원 은행은 아세안 및 중 국의 11개의 대표 은행을 포함되며, BIDV는 협회에 가입 초청 된 유일한 베트남 은행이다.

ASEAN+3 대표금융기관간 협의체 (APTIBCM): ASEAN+3 대표금융기관간 협의체는 2019년 태국 방콕에서 개최된 CAIBA 협회 수석 리더십 컨퍼런스에서 CAIBA협회의 회원인 아세안 10 개국의 대표 은행과 중국산업 은행(CDB), 일 본국제협력은행(JBIC), 한국산업은행(KDB) 간 서명했던MOU 기준으로 설정되었다.

Minh Yen 기자

뉴스

Nguyen Xuan Phuc 국무총리 2020년 국가 브랜드 수상 기업 대표자 미팅

BIDV, 6번째 국가 브랜드 수상 2020.11.25. BIDV는 하노이 오페라 하우스에서 열린 '2020 베트남 국가 브랜드 시상식'에서 국가 브랜드 상을 여 섯 번째 수상하였다. 베트남 국가 브랜드 상은 제품 브랜드를 유치 하여 국내 브랜드를 구축하고 개발하기 위해 베트남 정부가 수립한 프로그램이다. 이 프로 그램은 제품의 가치와 기업의 가치를 높이고 기업의 경쟁력을 높이는 데 있어, 브랜드 중요 성의 인식을 높이는 데 기여하고 있다. 국가 브랜드로 인증되었다는 것은, 그동안 BIDV가 수행한 역할과 가치를 공식적으로 인정 받았다는 것을 의미한다. BIDV는 1,600 개의 결제 서비스를 제공하고, 자체 상품과 서비스 를 다각화하여 서비스 품질과 고객 경험을 향상 시켰다. 또한, BIDV는 BIDV Smart Banking, iBank, 블록 체인 기반 무역금융 프로그램, 로 봇 공학 및 인공 지능 등 신기술 기반 인터넷 뱅 킹 프로그램 및 유틸리티를 출시하였다.

BIDV는 'Change to lead'의 전략에 따라 고객의 디지털 경험을 전환 중에 있다. 현재 BIDV는 약 1,200 만 명의 개인 고객과 30 만 명의 기업 고객에게 서비스를 제공하고 있다.

Truong Hoa Binh 부총리와 Nguyen Manh Hung 정보통신부 장관, BIDV에 국가 브랜드 칭호 수여

Thao Nguyen기자

26

BIDV 리뷰

뉴스

BIDV은행, 리테일 뱅킹 영업으로 선두 자리 고수 하고 있다. 리테일 뱅킹 대출 잔액은 약 400조 동, 일반 리테일 뱅킹 자본은 약 630조동, 개인 고객 데이터는 1200만명에 달한다. BIDV내에 서 리테일 뱅킹 활동의 효율성이 점점 더 중요 해지고 있으며, 리테일 뱅킹은 국제 규정에 따 라 리스크를 관리하고 있다. 리테일 뱅킹의 세 전이익은 6.2조동으로, BIDV 총 세전이익의 65 %를 차지한다. 하나은행과의 시너지 협력 과제를 바탕으로, BIDV의 획기적인 성장을 달성하기 위해 PB 서 비스, 리테일 뱅킹 확대, 해외 송금이라는 3 대 과제를 중심으로 7 개 사업을 추진하였다.

2020년 리테일 뱅킹 포럼에서 '디지털 전환 은행' 어워드가 새롭게 제정되었다. 이는 시장 의 변동으로 각 은행의 활동의 다양성과 추세 에 따른 변화를 기록하기 위해서이다. BIDV 은행은 디지털 응용의 뛰어난 성과로 수상하 게 되었다 BIDV 대표자 2개의 상장 대표 수령

디지털 전환을 위한, BIDV의 전면적 투자가 실 질적 결과로 나타나고 있다. 첫째 디지털 채널 개인 사용자 약 650만명, 기업 사용자 6만기 업을 달성하였으며, 매년 사용자수 증가를 기 록하였다. 둘째 거래 수와 거래 규모가 큰 성장 을 나타냈다. 디지털 채널의 사용자 비율은 총 거래 비율 87%, 모바일/인터넷 채널 사용자 비율은 52%를 차지하였고, 평균적으로 1년 에 2,000억건의 디지털 거래를 처리했다. 셋 째 거래 오류와 고객의 불만 비율은 1% 이하로 감소하였다.

BIDV은행은 '선두 자리 자치를 위한 개혁' 전략으로 베트남 최고의 리테 일 뱅킹 위상을 유지하며, 2020년 베트남 소매 은행 포럼에서 베트남 은행 협회와 IDG 협회로부터 '2020 년 대표 리테일 뱅킹' 및 '2020년 대표 디지털 전환 은행'상을 수상하 였다.

11월 26일에 호치민에서 개최된 리테일 뱅킹 포럼은, 국내의 대형 은행이 참가하는 행사이다. 이 포럼에서 심사위원은 BIDV은행이 거둔 성 과와 노력에 높은 평가를 내렸다.

'2020년 대표 리테일 뱅킹'상 관련, BIDV는 2020년 9개월 동안 리테일 뱅킹 영업의 성장 으로, 베트남 최고의 리테일 뱅킹 지위를 유지

27

2020 년 11 월

BIDV은행의 대표적 디지털 상품은 Smart Banking과 iBank 온라인 대출, BIDV Home 부동산 주택 구매 대출, Apple Watch의 Smart Banking, Vinmart 온라인 결제 등이 있다. BIDV은행은 24개 Fintech 기업 및 756 개 일반기업과 협력하여 결제 게이트를 연결해 고객에게 편리한 서비스를 제공하고 있다.

Tien Hung 기자

뉴스

BIDV, 4년 연속 베트남 10개의 최대 기업 중 하나 선정 2020 년 VNR500 순위 (베트남 500대 대기업)에 따르면, BIDV는 베트남 10 대 기업 중 하나로 4년 연속 선정되었다.

BIDV는 4년 연속 (2017-2020) VNR500 랭킹 10 위 안에 들었고, 2014 년부터 2016 년까지 베트남 20 대 기업 중 하나였다. 또한, 2020 Profit 500 순위에 따르면 (베트남 고수 익 500 대 기업), BIDV는 14 위에 랭크 되었 다(2017-2019 년에는 15위).

2020 년 9 월 현재, BIDV는 총자산 약 1조 4,684억 동에 이르는 베트남 최대의 상업 은행 이다. BIDV의 예수금은 1 조 145 억 동, 대출 금은 1 조 1,450 억 동이다. 특히, BIDV는 코 로나 19 피해를 극복하고 안정적인 생활을 보 장하며 사업 활동을 할 수 있도록, 적극 지원 해 왔다. BIDV는 고객이 COVID-19를 극복 할 수 있도록, 350 ~ 450 억 동을 지원 할 계 획이다. 한편, BIDV는 2020 년에 다음과 같은 수 상 실적을 기록하였다. 글로벌 2000 대기업

28

BIDV 리뷰

(Forbes), 글로벌 브랜드가치 순위500 은 행 (Brand Finance), 베트남 최고 SME 은행 (Alpha Southeast Asia Magazine), 베트 남 최고의 은행과 베트남 최우수 자금관리 은 행 (The Asian Banker Magazine). BIDV는 또한 2019-2020년 기간 동안 "노동자 이익을 위한 기업"에 선정되었다.

VNR500과 Profit500은 Vietnam Report와 Vietnamnet 인터넷 신문이 공동 기획한 프로 그램이다. 이는 뛰어난 성과를 거둔 베트남 기 업들을 선정할 목적으로 2007년부터 매년 발 표되었다. 이 리스트는 국내외 전문가들의 조 언과 다양한 평가 기준 분석을 바탕으로, 국제 기준에 따라 독립적인 조사 및 평가 결과를 바 탕으로 발표되었다.

Cong Chung 기자

뉴스

BIDV - 하나은행, 2020년 M&A포럼 선정

BIDV-하나: 2019-2020 베트남 M&A 대표 거래 2020년 M&A 포럼 – 호치민에서 개최된 합병, 인수 및 투자 연결에 관한 베트남 최대 연례 행사에서 BIDV의 지분 15%를 인수한 하나 은행의 투자는, 2019-2020 베트남 M&A 대표 거래로 선정되었다.

베트남 계획투자부 후원, 투자신문사와 베트남 AVM의 공동주관으로, “뉴 노멀 시대의 도약 (Upsurging in the New Normal)” 이란 주 제로 '2020년 M&A 포럼'이 개최되었다. 베 트남은 Covid-19와 세계의 새로운 투자 트렌 드의 영향을 많이 받고 있다. 그러나, 경영 투자 환경을 개선하고 Covid-19 을 효과적으로 통제하여, 국제 자본 투자에 긍 정적이고 유망한 시장으로 평가받고 있다. 또

한 베트남 M&A 시장은 지난 10 년 동안 수 천 건의 거래로 빠르게 성장하여, 거래 규모가 500억 달러에 달한다. 유로 모니터 인터내셔널 (Euro monitor International)에 따르면, 베트남의 2020년 M&A 투자 지수는 102 포인트이다. 이는 세 계 2위에 달하는 지수이며 (1위, 미국 108.9 포인트), 가장 역동적이고 잠재적인 시장 중 하 나로 평가받고 있다.

2019 년 11 월, BIDV는 약 22.3조동 규모의 거래로 하나 은행에 약 6 억 주를 공식 발행하 였다. 증자 후, BIDV은행 자본금은 34.2조동 에서 40.2조동(베트남 은행 최대 자본금)으 로 증가했다. 이번 투자는 베트남 은행 역사상 가장 큰 전략적 지분 투자이다. 이번 투자금은 BIDV의 재무역량 강화 및 기술지원 제공을 포 함하여, BIDV의 성장과 발전에 광범위하게 기 여하고 있다.

Quynh Hoa가자

29

2020 년 11 월

뉴스

제걸식 이후 BIDV 및 AFD 대표자 기념사진 촬영

AFD, 녹색성장 지원 위해 1억달러 신용한도 제공 2020년 11월12일, BIDV와 프랑스 개발청 (AFD)은 기후변화 대응과 녹색성장 및 환경 보호 분야 기업을 지원하기 위한 SUNREF녹색기후기 금 지원의향서에 서명하였다. 이에 따라 AFD는 BIDV에 1 억 달러의 장기 대 출과 최대 3십만 유로의 기술 지원 금액을 BIDV 와 BIDV 고객에게 제공 할 예정이다. Le Ngoc Lam BIDV 행장대행과 Fabrice Richy – AFD Vietnam 사장이 양측 대표로 서명하였다. 외국 신탁/펀드 관리에 다양한 경험이 있는 BIDV는 정부, 관계부서 및 지원자들에게 해외 신탁 펀드를 관리 및 대출하는 은행으로 신뢰 받고 있다. BIDV는 4 천만 유로 규모의 북부 전 력 전송 프로젝트, 2천5백만 유로 규모의 메콩 삼각주 주택 개발 지원 프로젝트 등의 AFD 펀 드를 담당하고 있다.

Le Ngoc Lam BIDV행장대행은 “SUNREF녹 색기후기금 의향서는 BIDV와 AFD의 중요한 이정표가 될 것 입니다. BIDV는 베트남 경제 발전을 촉진하기 위해, 주요 지원자들과의 파 트너십을 강화하겠습니다.”라고 언급 하였다.

2017-2019 년 동안 매년 9.66 %로 계속 증 가했다. 에너지 부문 대출 미결제 잔액은 46 조 VND 이상으로 BIDV 총 미결제 대출 잔액의 4.2 %를 차지하고 있다.

Fabice Richy 베트남 AFD 사장은 “우리는 BIDV와 협력하여, 녹색기후기금 신용 한도를 1 억 달러로 설정 한 것을 매우 자랑스럽게 생 각합니다. 이 자금은 주로 재생 가능 에너지 및 에너지 효율성 분야의 프로젝트에 지원할 예정 입니다. 기후 변화에 대응하고 국가의 에너지 구조를 개선하여, '기후 변화에 관한 파리 협정 (베트남 AFD 운영 전략의 핵심 주제)'을 이행 할 예정입니다.”라고 포부를 밝혔다.

참조정보

환경을 보호하고 기후 변화에 대응하며 녹색 으로 성장하기 위해, BIDV는 재생 에너지 및 녹색 에너지에 투자하는 기업을 적극 지원 하고 있다. BIDV의 에너지 부문 대출 규모는

30

BIDV 리뷰

프랑스 개발청(Agence Française de Développement – AFD) 는 프랑스의 개 발 정책을 실행하는 공공 금융기관이다. 2019 년 AFD는 개발 도상국의 지속 가능한 개발 프 로젝트를 지원하기 위해 141 억 유로 규모의 지원계획을 수립했다. AFD는 1994 년부터 베 트남에서 활동하고 있으며, 90 개 이상의 프로 젝트에21 억 유로 이상을 투입하였다.

Hong Lien 기자

뉴스

BIDV-하나은행, 협업 1년을 되돌아 보다 관리; IT시스템/디지털뱅킹 강화; 리테일 뱅킹 강화; 자산 포트폴리오 다각화; 리스크 관리 개 선; 인적자원 교육/개발. 코디 팀은 본점 각 부서/센터와 협의하여 협업 사항에 관한 보고서를 작성하였으며, 최종적 으로 26개의 기술지원과제를 선정하여 추진하 기로 하였다.

BIDV 직원과 하나은행 파견 직원은 함께 일하 며 언어 장벽, 문화적 차이 등으로 인한 어려움 을 피할 수는 없었다. 다행스럽게도 양측은 솔 직한 대화를 통해 오해를 해소하고, 향후 협업 계획과 방향을 논의 할 수 있었다. 나는 이 과정 에서 문제를 해결을 위해 최선을 다했고, 효율 적인 상호간 협력 방법을 알게 되었다.

BIDV 대표 및 직원 하나은행 전략 투자 공표식에 기념사진 촬영

11 월이 다가 오면서, 말로 표현할 수 없는 감정이 떠오른다. 1 년 전 BIDV- 하나은행은 다양한 공식 행사 를 통해, 소중한 유대관계를 맺었다.

1년이 지난 지금, 나에게 11월은 수 많은 도전을 극복하고 협업의 성과 를 돌아보는 귀한 시간이다.

2019년11월 11일, '하나은행의 BIDV 전략적 투자 공표식'을 원활하게 진행하기 위해, 비서 실의 IR팀과 코디팀 모든 멤버들이 행사 준비에 매진한 모습은 아직도 내 기억에 생생하다. 우리 모두는 자랑스러운 마음으로, 다같이 바 쁘게 행사를 준비하였다. 전략적 투자자와 협 상을 시작한지 3년 2개월 25일 후, BIDV뿐만 아니라 베트남 은행의 역사적인 이정표를 세우 게 된 순간을 우리는 현장에서 지켜보았다. '하 나은행의 BIDV 전략적 투자 공표식'은 하노이 에서 개최되었다. 이곳에 베트남의 브엉 딘 후 에(Vuong Dinh Hue) 부총리, 레 민 홍(Le Minh Hong) 중앙은행 총재, 판 덕 뚜 (Phan Duc Tu) BIDV 이사회 의장, 박노완 주베트남 대사, 김정태 하나금융그룹 회장, 지성규 KEB 하나은행장 등이 참석하여 축하해 주었다. 또 한, 기업 대표와 관계자 등 400여명이 참석하 여 자리를 빛내주었다. 투자 공표식 이후 BIDV과 하나은행의 6개 전 략적 협력 사업이 시작되었다. 은행 전략 개발/

31

2020 년 11 월

나는 시너지 협업 과정에서, 하나 파견직원들 로부터 많은 것을 배우게 되었다. 한국 직원들 과 근무하면서, 다양한 정보 및 경험을 공유할 수 있었다. 이 경험은 개인적으로 행운이라 생 각한다. 또한 우리는 근무시간 후 가벼운 호프 타임을 즐기며, 양국의 문화, 생활 등에 대한 이 야기를 나눌 수 있었다. 이제, 코디 팀은 2021년 협업 계획을 위해 각 부서 실무진과 파견직원간의 회의를 진행하고 있다. 협업 2년차를 맞이하여, 새로운 아젠다 와 아이디어를 바탕으로 은행업 사상 최대의 협업 성과를 기대해 본다.

참조정보: 최초 투자자 미팅부터 주식 추가상장 날까지 총 3년 2개월 25일.

(2016년9월8일에 미팅하며 2019년12월3 일에 KEB하나은행에게 주식 추가상장이 이루 어졌음)

Hanh Ngan 기자

문화

베트남 수도 하노이의 특산물 베트남 북부에 위치한 수도 하노이 음식의 경우 통상적으로 분짜, 쌀국 수 등이 떠오르는 편이다. 다만, 오 늘 소개할 음식들은 조금 더 하노이 만의 색다른 매력을 가지고 있는 음 식들이다.

꼼

꼼 (Com) – 번화한 도시에 시골의 '선물' 베트남 북부는 남부나 중부와는 다르게 4계절 이 뚜렷한 특성을 지니고 있으며, 이로 인해 곡 류가 타 지역에 비하여 다양한 편이다. 일반적 으로, 곡식은 다 익어 노란색으로 변한 후 추수 하여 밥 등으로 만들어 먹는다. 그러나 ‘꼼’ 이 라고 불리는 이 음식은 곡식이 익기 전, 초록색 으로 변할 때쯤 (8-10월 시쯤) 추수하여 만들 어 먹는 하노이의 특징 있는 음식 중 하나이다.

바잉 똠 호떠이

넴꾸어베

하노이의 '꼼'에 대해 애기하자면, Lang Vong 의 '꼼'은 매우 유명하다. 일반적으로 꼼은 연꽃 잎으로 싸여 있으며, 하노이 사람들은 잘 익은 바나나와 함께 먹는다. 또한, 하노이에 살고 있 는 베트남 국민들에게 '꼼'은 도시에서 벗어나 시골 정감을 담긴 “선물” 으로 인식되고 있다.

바잉 똠 호떠이 (Banh Tom Ho Tay) – 하 노이 사람의 간식 바잉 똠은 길거리에서 인기있는 간식이지만, ‘ 바잉 똠 호떠이’는 CNN에서 방송될 정도로 극 찬을 받았다. ‘바잉 똠 호떠이’는 새우를 주 재 료로 사용하여 만든 전으로, 하노이 서쪽에 위 치한 호떠이(Ho Tay)에서 처음 만들어진 음 식이다. 이 전은 호떠이(Ho Tay)의 타잉니엔 (Duong Thanh Nien)길에서 1970~1980 년도에 처음으로 베트남 정부측에서 직접 음 식판매대를 설치하여, 일반 국민들에게 판매 하기 시작한 음식으로 유명하다.

21세기들어 다양한 음식들이 베트남 유명 음 식들로 자리잡으면서 ‘바잉 똠 호떠이’의 인기 는 다소 시들었으나, 단순한 맛이 마치 과거를 추억할 수 있는 음식으로 불리우며 여전히 하 노이 호떠이 지역에 가면 흔하게 접할 수 있다.

넴꾸어베 (Nem Cua Be) – 넴의 왕 월남쌈을 튀겨서 먹는 것으로 널리 알려진 ‘넴’ 중에서, ‘넴꾸어베’를 들어 본 사람은 많지 않 을 것이다. 일반적으로 ‘넴’ 의 내용물로는 당 면, 당근, 야채 등이 들어가는 편인데 ‘넴꾸어 베’는 게살이 들어감으로써 맛과 향에 있어 일 반 ‘넴’에 비해 더 깊으며, 분짜 같은 면 요리와 찰떡궁합이다. ‘넴꾸어베’는 베트남 해변 도시 하이퐁에서 비 롯되었지만, ‘넴꾸어베’는 하노이에서 더 인기

32

BIDV 리뷰

있는 음식이 되었다. 하노이에서 ‘넴꾸어베’를 먹어 볼 수 있는 장소는 많으나, 유적지이자 관 광명소로 널리 알려진 ‘호안끼엠 호수’ 근처의 '분짜바섬 (Bun Cha Ba Sam, 47C Mai Hac De)'이 가장 유명하다. 이 곳을 즐기는 사람들 은 분짜와 ‘넴꾸어베’를 같이 주문하여 먹는 것 이 일반적이다.

짜까라봉(Cha ca La Vong) – 베트남 수 도의 매력적인 음식 ‘짜까라봉’ (Cha ca La Vong, La Vong=어

문화

짜까라봉

달걀 커피

코코넛 커피

에 얹어 먹는 커피이다. 일반적인 커피와 비 교해 더 부드러운 맛이 특징이며 계란 커피를 판매하고 있는 커피숍 중 쟝 커피숍 (Ca Phe Giang)이 유명하다.

오마이 (O mai) - 소박한 하노이 음식 하노이 특산품을 선물 한다면, 젊은이들이 좋 아하는 간식인 ‘오마이’를 추천한다. 신맛, 매 운맛, 짠맛, 달콤한 맛을 모두 가진 ‘오마이’는 사람들이 끊임없이 먹게 만든다. 하노이 사람 들의 간단하고 친숙한 음식이지만 ‘오마이’는 Lang Vong의 '꼼'만큼 우아하고 섬세한 맛이 보유하고 있다.

묵)은 가보 레시피와 많은 재료의 조합함으로 수도의 가장 맛있는 음식 중 하나이다. ‘짜까라 봉’은 얇게 썰어 양념하고 숯불에 구운 다음 기 름 냄비에 튀긴 어묵 요리이다. 이 음식의 레시 피는 처음으로 “짜가”거리의 Doan씨가 개발 했으며, 그 요리법이 지금까지 전해지고 있다. 하노이 사람들은 ‘짜까라봉’이 면, 향채, 땅콩, 파, 새우젓과 같이 먹어야 완벽한 ‘짜까라봉’ 요리의 맛이 난다고 이야기 한다.

하노이 커피 – 독특한 여러가지 커피 맛

베트남은 세계 2대 커피 생산국이자 수출국이 며, 특히 베트남 수도 하노이에서는 다양한 종 류의 커피를 맛 볼 수 있다. 그 중 독특한 커피 로는 코코넛 커피 (Ca Phe Cot Dua) 및 달걀 커피 (Ca Phe Trung)가 있다. 코코넛 커피는 베트남내 주요 특산물 중 하나인 코코넛 액을 사용하여 만든 커피로써, 코코넛 특유의 향과 맛을 커피 및 연유와 섞어 베트남 국민들 뿐만 아니라 외국인들에게도 큰 호응을 얻고 있다. 달걀 커피의 경우, 계란을 휘핑 (Whipping) 작업을 거친 후 에스프레소와 같은 커피 위

33

2020 년 11 월

‘오마이’는 많은 종류이 있지만, 가장 인기있는 것은 여전히 “오마이 싸우” (O mai Sau)이다. 입맛이 까다로운 사람들도 바삭하고 새콤달콤 한 오마이 맛에 빠질 것이다. 따라서 하노이 여 행 할 기회가 있다면, 선물로 ‘오마이’를 선택 해도 좋을 것이다. 하노이 항드엉 (Hang Duong)길은 ‘오마이 거리’라고도 불린다. 여기에는 오래된 베트남 전통 ‘오마이’ 가게 모여 있으며 수 많는 ‘오마 이’ 종류를 찾을 수 있다.

Minh Vu기자

문화

BIDV대표자 러닝 레이스 킥오프 참가

BIDV, 불우한 사람들을 위해 달리다 BIDV는 러닝 레이스를 통해 모은 후원금 135 억동을 베트남의 불우한 사람들에게 기부했다.

22일간 진행된 러닝 레이스는 59,000 명이 넘 는 ‘참가자’들이 참여했으며, 350 만 킬로미터 의 거리를 달렸다(135 억동 기부). 올해 2번째 로 BIDV가 이 자선 행사를 개최했으며, 이 행 사는 누구나 참여가 가능하다.

이 행사의 목적은, BIDV 은행 직원뿐 아니라 거래 고객 및 지역 사회가 다같이 참여하여, 베 트남 빈곤층 지원을 위한 기금 마련에 있다. 특 히, 모든 참가자들이 달린 거리 만큼, km 당 1~3천동까지 BIDV가 후원할 예정이다. 이 기부금은 베트남 가난한 시민들과 중부의 홍

수 피해를 입은 수재민들을 지원하는 데 사용 될 것이다.

BIDVRun 앱(Strava 기반)을 통해 온라인으 로 진행되었다. BIDVRun은 달리기에 대한 열 정을 가진 사람들을 서로 연결하고, 소외 계층 의 어려움을 극복하기 위해 BIDV에서 자체 개 발한 어플이다. 스마트폰 어플을 통해 진행되 는 이 행사는, BIDV에서 매년 진행하는 연례 행사 중 하나로 운동을 장려하고 BIDV 직원의 건강을 제고할 목적으로 시작되었다.

BIDV는 이 프로그램을 통해, ‘빈곤층을 위한’ 사회공헌활동 기업문화를 계속 유지하고, 건 강한 사회 구현 및 인간 존엄 가치의 전파를 기 대하였다.

하나은행 파견직원 러닝 레이스 참가

34

BIDV 리뷰

BIDV는 국가 주요 금융기관으로서, 통화정책 과 은행 산업의 효율화와 안정화를 이행하는데 헌신의 노력을 다하고 있다. 또한 지역사회에 대한 책임 역시 BIDV의 의무라 생각하고 있다. 현재, BIDV는 연간 3천억동에 달하는 예산으 로 베트남 전국에서 사회 공헌 활동을 활발히 진행중에 있다.

U

Welcome to the world of infinite exclusive privileges of BIDV VISA INFINITE – an international credit card

BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM JSC

ENJOY FESTIVE SEASON WITH BIDV INTERNATIONAL CARDS Effective: 28 Oct 2020 – 12 Feb 2021

BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM JSC