A Newsletter of Bank for Investment and Development of Vietnam JSC • Issue No.69 | March 2021
MR. LE NGOC LAM APPOINTED
CEO OF BIDV
NEW SMARTBANKING
NEW EXPERIENCE
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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
Mr. Le Ngoc Lam, Chief Executive Officer, BIDV
Email: bidvreview@bidv.com.vn License No.16-GP-XBBT dated 9 March 2021 by the Ministry of Information and Communications Printed at Vietnam Book Printing Joint Stock Company
Editor’s Letter
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Dear readers, arch marks the end of the first quarter of the year. This issue of BIDV Review provides you with an overview of some of the month’s highlights.
cash management. The bank has also helped move digital banking forward by providing online payment services for administrative fees, hospital fees, fee collection and bill payment for schools.
On 12 March BIDV held its Annual General Meeting of Shareholders 2021 (AGM) in Hanoi, setting high targets for the year ahead, with deposits growing by 12-15 percent; credit by 10-12 percent, consolidated profit before tax expected at VND13,000 billion and dividend payout ratio not lower than that of 2020. The AGM elected Mr. Le Ngoc Lam (Senior Executive Vice President in charge of the Board of Management) and Mr. Nguyen Quang Huy (former Chairman of Deposit Insurance of Vietnam) as Board member and Independent board member for the 2017-2022 term, respectively. The same day Mr. Le Ngoc Lam, senior executive vice president in charge of the Board of Management, was appointed Chief Executive Officer of BIDV.
During the month, global rating agency Moody’s changed the outlook for long-term rating of BIDV to positive from negative. According to Moody’s, BIDV’s long-term deposits rating and issuer rating were affirmed at Ba3. The rating actions follow Moody's change in rating outlook for Vietnam sovereign to positive from negative.
BIDV is among the world’s top 250 most valuable banking brands. The bank jumped 30 spots to rank 246th in the Brand Finance Banking 500 report which highlights the world’s most valuable and strongest banking brands. In the Vietnamese market, BIDV maintained its position among the top five most valuable banking brands.
The Prime Minister promulgated Decision 316/ QD-TTg approving the pilot implementation of mobile money. The pilot implementation of mobile money aims to contribute to the development of non-cash payments and enhance access to and use of financial services, especially in rural, mountainous and remote areas. According to BIDV Training and Research Institute, mobile money brings about significant opportunities and benefits for banks. Look inside this issue of BIDV to find out more about this innovation.
BIDV was also honoured to be named by Asiamoney as “Best domestic Bank for cash management service in Vietnam 2020”. The award serves as recognition of BIDV’s comprehensive strategy and performance in
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On 20 March BIDV officially launched its SmartBanking app - a totally new digital banking service offering plentiful outstanding advantages and features. The introduction of the new service marks a major milestone in the bank’s overall digital transformation strategy, providing customers with the best transaction experience on BIDV’s digital channels.
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BIDV HIGHLIGHTS
POLICY UPDATE
03. Mr. Le Ngoc Lam appointed CEO of BIDV 04. Aiming high in 2021
20. New law applying to foreign investors PRODUCTS & SERVICES
21. Foreigner customers now eligible for BIDV e-banking services 22. Supporting women-led SMEs 23. No-fee account opening with BIDV LIFESTYLE
24. A touch of Hue’s charm 06. BIDV among world’s top 250 most valuable banking brands 07. Best cash management bank in Vietnam 08. Moody’s changes outlook rating of BIDV to positive 09. BIDV ranks first in ICT application 10. BIDV deploys QR code payment service with Thailand 11. New SmartBanking offers superior experience 26. Watching the sun rise at Vietnam’s most eastern point CSR
28. BIDV to purchase Covid-19 vaccines for employees
INSIGHTS
12. Pioneer in digital transformation 14. Mobile money and impact on Vietnamese banks
BIDV 뉴스
MARKET MOVEMENTS
30. BIDV 은행장에 Mr. Le Ngoc Lam 선임 31. BIDV, 글로벌 250 대 은행 브랜드 중 하나 32. 주주총회에서 2021 년 BIDV 경영계획 확정 34. BIDV, 베트남 최우수 자금관리 은행 선정 35. Moody's, BIDV 신용등급 긍정적 전망 36. 베트남 문화유산 나이트 투어 활성화
16. Mobile money approved for pilot scheme in Vietnam 17. Vietnam to grow 6.5 percent over next decade PARTNERS
18. Dedicated efforts justify BIDV MetLife successes
38. BIDV, 직원과 가족을 위해Covid-19 백신 지원
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BIDV Highlights
Duc Anh
Mr. Le Ngoc Lam appointed CEO of BIDV such as Deputy Head of BIDV So Giao Dich 1 Branch, Head of Credit Risk Management Department, and Head of Corporate Banking Department. He was appointed as Senior Executive Vice President of BIDV in January 2015. Mr. Doan Thai Son, Deputy Governor of the State Bank of Vietnam, said the appointment of Mr. Le Ngoc Lam to the position of Chief Executive Officer of BIDV will help the bank improve its management capacity for successfully implementing its 20212025 development strategy with vision to 2030; demonstrating the key role of BIDV in the implementation of monetary policies and contribution to national economic development. Mr. Le Ngoc Lam (centre) is appointed as CEO of BIDV
Mr. Le Ngoc Lam has been appointed Chief Executive Officer of BIDV, effective from 12 March 2021. Mr. Lam also serves on the bank’s Board of Directors.
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IDV – the largest commercial bank in Vietnam by assets – announced that the bank’s Board of Directors has appointed Mr. Le Ngoc Lam as Chief Executive Officer (CEO) of BIDV. Mr. Lam has also been elected to BIDV’s Board of Directors for the 2017 - 2022 term at the bank’s 2021 Annual General Meeting of Shareholders held on 12 March in Hanoi. Prior to the appointment, Mr. Lam was Senior Executive Vice President in charge of BIDV’s Board of Management. Born in 1975, Mr. Le Ngoc Lam brings 24 years of executive and leadership experience at BIDV to his new role. He has also held various senior positions
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The new CEO of BIDV expressed his sincere thanks to the Central Business Bloc Party Committee, the leadership of the State Bank of Vietnam and the Board of Directors of BIDV for their trust in him. Mr. Lam spoke of his commitment to lead and run BIDV’s operations safely, effectively and sustainably. Currently BIDV’s Board of Directors consists of 11 directors including one foreign member and one independent member. The Board of Management has 11 members including one member from Hana Bank – the strategic shareholder owning 15 percent of BIDV’s charter capital.
BIDV Highlights
P han Oa nh
BIDV’s leadership welcomes new members of the Board of Directors and Supervisory Board
Aiming high in 2021 On 12 March BIDV held its Annual General Meeting of Shareholders 2021 (AGM) in Hanoi, setting high targets for the year ahead. Positive performance despite challenges Despite the severe impact of natural disasters and the Covid-19 pandemic, BIDV system made great efforts to ensure business continuity and safety and achieved positive results. These include: comprehensively fulfilling the 2020 business plan targets as assigned by the AGM; growth in accordance with economic and market developments; preserving and increasing the amount of state capital at BIDV; fully accomplishing obligations to the state budget; and ensuring the interests of shareholders and employees.
BIDV also effectively performed its responsibilities to the community, proactively reducing its income in order to share difficulties with businesses and individuals across the country affected by natural disasters and the pandemic. In particular, the bank’s total assets reached VND1,516,686 billion (USD66 billion), up 1.8 percent compared to 2019 - making it the largest commercial bank in Vietnam by assets. Deposits in 2020 were diverse, meeting capital demand and reaching VND1,402,248 billion (USD61 billion), of which deposits from organisations and individuals hit VND1,295,533 billion (USD56.3 billion), an increase of 9.1 percent from 2019, accounting for 11 percent of the share of the banking sector’s deposits. Total outstanding loans and investments hit VND1,438,520 billion (USD62.5 billion), growing by 8.5 percent from 2019,
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of which outstanding loans reached VND1,230,569 billion (USD53.5 billion), up 8.5 percent compared to 2019 and accounting for 13.4 percent of the economy’s credit market share. BIDV's service income hit VND7,219 billion (USD314 million), up 19.6 percent compared to 2019 – a wholly positive figure given the current difficult business environment. The difference between revenues and expenses hit VND32,344 billion (USD1.4 billion), an increase of 4.8 percent compared to 2019. Consolidated profit before tax hit VND9,026 billion (USD392 million), surpassing the target assigned by the State Bank of Vietnam. However this figure was still lower than that of 2019 due to BIDV’s proactive income reduction by more than VND6,400 billion (USD278 million) for restructuring debt, lowering and exempting interest rates and fees to
BIDV Highlights
BIDV headquarters seen from Hoan Kiem Lake in the centre of Hanoi, Vietnam. Photo: Thai Van Hoa
support businesses and individuals affected by Covid-19 according to the direction of the State Bank. Safety ratios complied with the State Bank’s regulations. In 2020 BIDV paid VND6,437 billion (USD280 million) to the State budget, making the cumulative tax amount paid over the past five years reach nearly VND27,900 billion (USD1.2 billion) meaning the bank is among the largest taxpayers in Vietnam. BIDV paid cash dividends for 2019 totaling VND3,218 billion (USD140 million), with a dividend payout ratio of 8 percent p.a. BIDV’s market capitalisation at the end of 2020 reached VND193,000 billion (USD8.4 billion), earning the bank fifth ranking in Vietnam's stock market. As of 31 December 2020, BIDV shares closed at VND47,900 (USD2.1), up 56 percent compared to the market bottom of March 2020 and up 4 percent
with capital use demand, expected at 12-15 percent; credit growth in compliance with the limit assigned by the central bank, expected at 10-12 percent; consolidated profit before tax expected at VND13,000 billion (USD565 million) in accordance with market developments and support for customers to overcome difficulties caused by Covid-19 and recover their business activities. Dividend payout ratio should not fall lower than that of 2020 (the indicators are subjected to change depending on new developments of Covid-19 (if any) and competent authorities’ approval).
compared to the beginning of 2020.
Setting key targets for 2021 The world economy is forecast to face challenges in 2021 due to the impact of the Covid-19 pandemic, global climate change and trade tension between the US and China. Vietnam’s National Assembly Resolution No.124/2020/QH14 sets a number of key indicators such as GDP growth of 6.5 percent and CPI at 4 percent. Following the government’s Resolution 01/NQ-CP in 2021 and the State Bank of Vietnam’s Directive 01/CT-NHNN on key tasks of the banking sector, with the action motto “Discipline – Quality – Digital Transformation”, BIDV is determined to accomplish its 2021 business plan. The AGM approved some key business targets for BIDV in 2021, particularly: deposit growth in line
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BIDV also strives to maintain sustainable and quality growth, cementing its leading position in key segments with a focus on retail and SME banking; aggressively implementing digital banking, promoting a multiservice business model and improving governance capacity according to international standards. For enhancing the bank’s system capacity, the AGM agreed to elect Mr. Le Ngoc Lam (Senior Executive Vice President in charge of the Board of Management) and Mr. Nguyen Quang Huy (former Chairman of Deposit Insurance of Vietnam) as Board member and Independent board member for the 2017-2022 term, respectively, as well as electing Mrs. Nguyen Thi Thu Ha (Deputy Head of BIDV’s Planning Department) to the Supervisory Board for the 2017-2020 term.
BIDV Highlights
Van Tran
BIDV among world’s top 250 most valuable banking brands BIDV jumped 30 spots to rank 246th in the Brand Finance Banking 500 report released in February 2021 which highlights the world’s most valuable and strongest banking brands.
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n the Vietnamese market, BIDV maintained its position among the top five most valuable banking brands. The Vietnamese bank has also featured on Forbes Global 2000 list – the world’s 2000 largest public companies - since 2015. This year nine Vietnamese banks made the Brand Finance Banking 500 list. According to Brand Finance, Vietnam’s banking sector has seen the greatest year-on-year brand value growth compared to any other nation in the ranking, standing at 23 percent. Vietnam’s ability to effectively control and constrain Covid-19 has allowed it to buck the pattern seen sector-wide of declining brand value. Internal reforms have strengthened accountability of the Vietnamese financial sector, with the knock-on effect of boosting not just revenues, but brand reputation and trust. Vietnam’s banking sector also recorded a 753 percent five-year cumulative brand value growth, the second fastest national growth in the ranking.
Finance Banking 500 ranking increased by 10 percent in 2018 (from USD1.07 trillion to USD1.18 trillion) and again by 15 percent in 2019 (USD1.36 trillion) but decreased in total brand value by 2 percent and 5 percent in 2020 (USD1.33 trillion) and 2021 (USD1.27 trillion), respectively. Chinese banks maintain dominance of the Brand Finance Banking 500 2021 ranking, accounting for one-third of total brand value and seven of the ten top climbers by absolute brand value. Despite a 10 percent drop in brand value to USD72.8 billion, ICBC remains the
world’s most valuable banking brand. US banks account for almost a quarter of the total brand value in the ranking - the nation’s 74 banks reaching a cumulative brand value of USD274.8 billion. Bank of America remains the most valuable banking brand in the US at USD32.8 billion, placing fifth overall, and JP Morgan is the only brand in the top 10 to record a positive value change (up 3.2 percent to USD23.6 billion).
Brand Finance, headquartered in London with offices in over 20 countries, is the world's leading independent brand valuation consultancy. The firm calculates the values of brands in its rankings using the Royalty Relief approach - a brand valuation method compliant with the industry standards set in ISO 10668. Source: Brand Finance
The report said the banking industry has seen a dramatic downturn in the past two years when compared with previous year-on-year performance. The total brand value in the annual Brand
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BIDV Highlights
A nh Phuong
Best cash management bank in Vietnam BIDV was recently honoured to be named by Asiamoney Magazine as “Best domestic Bank for cash management service in Vietnam 2020” in recognition of its outstanding achievements in this field.
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he award was given in light of BIDV’s comprehensive strategy and performance in cash management. The bank’s cash management solutions offer multichannel cashflow management, 24/7 online bill payment, and a virtual account solution to support cash flow management for institutional customers. BIDV successfully deployed an online payment gateway that connects the accounting system and ERP system of institutional customers with the BIDV iBank system. BIDV has left its footprints in providing online payment services for administrative fees, hospital fees, fee collection and bill payment for schools. Despite the impact of the Covid-19 pandemic, BIDV’s institutional customer base had grown well, reaching 323,000 as of February 2021. The “Best domestic Bank for cash management service in Vietnam” award, a category in the Annual Awards organised by Asiamoney, reaffirms BIDV’s leading position in service provision in Vietnam, and is testament to the bank’s commitment to providing
quality service to customers. Founded in 1989, Asiamoney is the leading financial publication in Asia. Asiamoney’s 2020 Cash Management Survey rankings are derived from the votes collected in Euromoney’s global Cash Management Survey. The survey received over 32,871 valid non-financial institution responses, up from 25,000 responses last year.
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Asiamoney ranked the top overall banks including Asian and domestic banks as part of its annual cash management survey of cash managers, treasurers, and financial officers. In October last year, BIDV was also honoured by The Asian Banker as “Best Transaction Bank in Vietnam” and “Best Cash Management Bank in Vietnam” for its effective payment and cash management solutions.
BIDV Highlights
A nh Tran
Moody’s changes outlook rating of BIDV to positive by global shifts in production location and demand following the coronavirus pandemic. 2021 marks the 16th consecutive year that BIDV has been reviewed by Moody’s. The bank is pioneering in this regard - confirming its commitment to financial transparency as well as compliance with international standards. Moody's has also taken rating actions on 14 other Vietnamese banks. Moody's revised the outlook for the long-term local and foreign currency deposit and issuer ratings of 5 banks to positive from negative, 4 banks to positive from stable and 6 banks to stable from negative.
On 18 March 2021, global rating agency Moody’s has changed the outlook for long-term rating of BIDV to positive from negative.
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ccording to Moody’s release, BIDV’s long-term deposits rating and issuer rating were affirmed at Ba3. BIDV’s issuer longterm rating is at the same level as Vietnam Government’s issuer rating. The rating actions follow Moody's change in rating outlook for Vietnam sovereign to positive from negative. Moody's rating action reflects signs of broad-based improvements in Vietnam's institutional, governance strength, sustained fiscal consolidation and potential improvements in economic strength that may strengthen Vietnam’s credit profile over time, especially as the economy may benefit from the macro changes accelerated
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Moody’s said Vietnam's sovereign credit strength is a key input in Moody's assessment of the deposit and issuer ratings of Vietnamese banks, because the country's credit strength affects the government's capacity to provide support to the banks in times of stress. Moody's revision of the outlook on Vietnam's Ba3 issuer rating to positive from negative signals the government's potentially higher capacity to provide extraordinary support to the banks. As a result, a potential upgrade of the sovereign rating - as indicated by the positive outlook - will likely result in upgrades of many Vietnamese banks, via the widening of the government support uplift.
BIDV Highlights
Ngu y en Ngoc
BIDV ranks first in ICT application overview of the current situation of ICT development and application in Vietnam, and provides assessments and ratings on the readiness level for ICT development and application based on data collected from ministries, ministerial-level agencies, government agencies, provinces, municipalities, economic groups, corporations and commercial banks. The Vietnam ICT index system for commercial banks includes four groups of indexes, namely Technical Infrastructure, Human Infrastructure, Internal Application, and Online Banking; built on the basis of the E-Government Development Index (EGDI) of the United Nations.
BIDV has been ranked first in the ICT Index for its sector in Vietnam for the 11th year in a row.
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n July last year the Ministry of Information and Communication announced the Annual Report on the readiness for development and application of information and communications technology (Vietnam ICT Index Report 2019), with BIDV ranking first in the ICT Index for its sector in Vietnam for the 11th year in a row ( 2009-2019). To date, BIDV has taken top rank in the index twelve times, as well as being ranked second in 2008, and 13th in 2006. The 2020 ranking results will be announced in Q3 2021. The Vietnam ICT Index Report is an important annual document issued by the Ministry of Information and Communications since 2006. It is organised and implemented openly,
transparently and objectively with the participation of a number of ministries and branches. Over the past 14 years, the report has continued to receive the attention of many domestic and foreign agencies, organisations and experts, particularly ministries, branches, localities and enterprises. The report provides an
For the 2020 ICT index, BIDV has provided the State Bank of Vietnam with data for evaluation since July 2020. The results will be published mid-2021.
TOP 10 ICT INDEX - COMMERCIAL BANKS 2019
1.00 0.80 0.60
In 2019, among the four groups of ICT Index's evaluation indexes, BIDV ranked first in Internal Applications, second in Technical Infrastructure, tenth in Human infrastructure and sixth in Online Banking.
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0.6972
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0.5270
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BIDV Highlights
Pham Ngoc
BIDV deploys QR code payment service with Thailand
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n 26 March 2021, the State Bank of Vietnam officially announced the implementation of retail payment via QR code between Vietnam and Thailand. BIDV is one of the leading banks with advanced financial technology that accepts QR code payment, providing cross-border payment service for Thai tourists in Vietnam. Accordingly, customers purchasing products and services at over 2,000 merchants that accept QR code payment may use a mobile device and scan QR code via any mobile banking app of Thai banks instead of using cash or a bank card. Mr. Nguyen Kim Anh, Deputy Governor of the State Bank of Vietnam, commented: “The launch of this pilot project today marks a significant accomplishment in the relationship between the two central banks and two countries. It is also an important milestone in the collaboration of ASEAN central banks in implementing ASEAN’s initiative on QR code payment connection to deepen regional economic integration and foster digital transformation of each economy”. Mr. Ronadol Numnonda, Deputy Governor of the Bank of Thailand said: “The benefits of this project come in
many forms. It will offer convenience and security for people travelling between our countries, leading to growth in tourism and contributing to our countries’ progress towards a more digitalised society.” Successfully implementing the interoperable QR Code for Thai customers, BIDV has reaffirmed its determination in digital transformation and readiness for the development and application of IT in order to bring a superior experience to local and foreigner customers.
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Over 2,000 points of sale that accept QR code payment include retail stores, restaurants, hotels, supermarkets and book stores. The launch of this service is not just about providing a convenient, safe and modern payment method for customers, but also contributing to the cooperation between the two countries, preparing for the return of tourism between Vietnam and Thailand in the coming time. In 2019, the number of visitors travelling between the two countries reached around 1.5 million.
BIDV Highlights
Tr ang Nhung
New SmartBanking offers superior experience strategy, the new SmartBanking digital banking employs cutting-edge technology with updates of advanced product development trends in the banking and financial sector. We put ourselves in the customer’s shoes to understand their needs; therefore the new SmartBanking will bring a new and superior experience”.
BIDV's new generation SmartBanking is consistent on internet and mobile channels
On 20 March BIDV officially launched its SmartBanking app - a totally new digital banking service offering plentiful outstanding advantages and features.
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he introduction of the new service marks a major milestone in the bank’s overall digital transformation strategy, providing customers with the best transaction experience on BIDV’s digital channels.
promises to bring various new and simplified experiences to customers, including easy and consistent login and transaction on different channels with only one username and password, as well as launching new exciting features such as eKYC, QR code withdrawal, and top-up for physical medical cards, amongst others. A representative from BIDV said: “As part of BIDV’s digital transformation
Combining the two current channels Internet Banking (BIDV Online) and Mobile Banking (BIDV SmartBanking), BIDV’s new SmartBanking digital banking service offers a seamless and totally new experience to customers in terms of interface, log-in, limits, features and utilities on a range of devices including PC, laptop, smartphone and tablet. The new digital banking service
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Continuous innovation is BIDV’s motto for service development. With a specialised version for Apple Watch, the app helps speed up any activity related to the user’s bank account without using a smartphone or computer, while account information security is still ensured. Recently BIDV has launched the app version of BIDV SmartBanking via Smart keyboard. This is the first banking app in Vietnam that enables customers to conduct banking transactions even while chatting. With this feature, while chatting to others on messaging apps (via Zalo, Viber, Messenger or iMessage), customers still can perform banking transactions quickly and easily without needing to switch between apps.
Insights
Hu y en Nhung
Pioneer in digital transformation
With banks offering a similar range of products and services and comparative fees and promotions, competition within the banking sector has become a race in technology. Great strides in digital transformation The Fintech and Digital Banking 2025 Asia-Pacific report released by IDC and Backbase shows that the eight largest banks in Vietnam have defined Core banking and payment system modernisation as the current top two priorities, expecting 50 percent growth in new accounts thanks to the smart account generation. Many banks have quickly launched new services on a modern technological platform, triggering the digitalisation race. A number of outstanding banking apps in operation include BIDV SmartBanking, VCB Digibank, VietinBank iPay Mobile; TPBank’s LiveBank; VPbank’s Yolo, Zero fee and ACB mBanking. Each bank has a different digital banking development strategy, from improving infrastructure
to expanding ecosystems or offering attractive fees. For SmartBanking, BIDV defines that customers are central to all digital transformation decisions. This move is considered a strategic step to retain customers given the unpredictable development of Covid-19, and to quickly increase the number of new customers from the younger generation. The SmartBanking app features outstanding advantages and utilities such as instant and automated account opening through e-KYC, user personalisation, and seamless experience on four platforms (unique in the market): website, mobile, smart watch and smart keyboard as well as a comprehensive ecosystem of more than 2,000 diverse services. As of Q4.2020, services on SmartBanking grew strongly with
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more than 1,300 types of payment transactions conducted, accounting for over 85 percent of total transactions on BIDV's electronic banking channels, processing 20 million transactions per month on average, with a total value of over VND13,000 billion (USD565 million).
Developing the best digital platform BIDV is set to become the bank with the best digital platform in Vietnam. This goal is built on three factors: preparedness for strong digital transformation, market potential for high-tech services, and a clear and effective business strategy.
Insights
first goal and modern technology as a breakthrough, with customers as the centre of business and human resources as the core.” According to VnEconomy newswire, Vietnam saw a growth rate of 200 percent in Mobile Banking and currently about 30 million people are using a banking payment system every day with young people the main user group. The value of financial transactions via Internet channels reached over VND7 quadrillion (USD304 billion) and VND300 trillion (USD13 billion) via mobile phones. The market still has great potential for growth and the digital race is entering into a highly competitive stage for improving quality and user experience. Currently, more than 50 percent of BIDV’s individual customers are aged 35 and below - the gold segment for high-tech services.
BIDV has different strategies in positioning the new generation SmartBanking service, identifying it as a core product to provide customers with the best value and experience. Instead of racing for fees, BIDV has determined to maintain a stable and powerful operating system with the most diversified utility system in the market, maximising added value and customer experience on BIDV's digital channels as important tasks. Before launching the new generation SmartBanking, BIDV had prepared solid strategic foundations. According to the Vietnam ICT Index 2019 report (ICT Index 2019), BIDV continued to rank first in the ICT
Index among commercial banks from 2017 to 2019, and ranked first in the readiness for IT development and application. BIDV’s ICT Index in 2019 was 0.75 points, followed by Techcombank, TPBank and MBBank. In a press release in August 2020, Mr. Phan Duc Tu, board chairman at BIDV emphasised: “Digital transformation is no longer a concept, but a specific action, which decides the survival of any organisation, including banks. Digital transformation requires strong will and relentless determination as well as courage of the whole system in discarding the old and creating the new. BIDV defines efficiency as the
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BIDV is a typical example of a large business leading the digital race, continuously being honoured as the Best Retail Bank in Vietnam (as voted by The Asian Banker); and Outstanding Retail Bank and Digital Transformation Bank (as voted by Vietnam Banks Association and IDG). BIDV sets a vision to 2030 to become a leading financial institution in Southeast Asia, to have the best digital platform in Vietnam, and to be among the Top 100 largest banks in Asia. The launch of the new generation BIDV SmartBanking is a big step in the bank’s comprehensive digital transformation process, which lays solid foundations for the bank to move faster and further in the coming time.
Insights
Dao Vie n
Mobile money and impact on Vietnamese banks The benefits mobile money brings to the economy and to individuals (especially disadvantaged people) have been the subject of much recent discussion. However, the impact of this new financial service on commercial banks is still a question that needs to be addressed. Impacts on Vietnamese banks It has been recognised that the potential for the development of the mobile money service in Vietnam is huge. According to BIDV Training and Research Institute, currently only 40 percent of Vietnamese adults (aged over 15) have a bank account, a figure much lower than in regional countries such as Indonesia (49 percent), China (80 percent), Thailand (82 percent), Malaysia (86 percent), Singapore (98 percent), and Asia Pacific (70 percent). Vietnam’s proportion of cash to total payment means by the end of September 2020 (according to the State Bank of Vietnam) was 11.15 percent (slight change compared to 10 years ago, at 11.87 percent at end-2011), higher than the target of 10 percent by the end of 2020 according to the government’s target. In addition, developing new and modern forms of payment (including mobile money) to serve rural and remote areas and ‘unbanked’ people, and contributing to promoting financial inclusion is one of the government's focuses as outlined
in the National Financial Inclusion Strategy issued in January 2020.
impact because service providers are not permitted to offer such operations.
As with many other developing countries, mobile money services in Vietnam are aimed particularly at people in remote areas, who do not have a bank account with which to access financial services. However, for commercial banks, this presents both pressure and opportunity. The most significant pressure is increasing competition, especially in the field of domestic payment and transfer. Like e-wallets, mobile money high in convenience and efficiency can become a competitor to the payment market share of banks.
Opportunities and benefits
According to the Global System for Mobile Communications Association (GSMA), the cost of transferring money via mobile money is up to 50 percent cheaper than through traditional organisations (including banks). If banks do not speed up the digital transformation process, develop effective and cost-saving payment and transfer services for customers, this new method is likely to prevail, especially for market segments banks have not yet approached or where access costs are too high. Mobile money's target customers are mainly middle and low-income people who spend and make small payments (worth under VND10 million or USD435). If banks have a good approach to the large number of this customer segment in Vietnam, revenue from transaction fees and product crossselling is not insignificant. For other traditional banking operations (such as lending and capital mobilisation), mobile money has almost no direct
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According to BIDV Training and Research Institute, mobile money brings about significant opportunities and benefits for banks, particularly in the four following areas: First, promoting financial inclusion and raising awareness and knowledge about financial services. Mobile money is expected to contribute to increasing people's access to financial services,
Insights
removing barriers such as geographical distance, education, and income. For the underbanked in remote areas, mobile money will help educate people to use new products and services, shaping a habit of non-cash payment which lays the foundation for developing banking services in the future. Second, helping to improve infrastructure, effectively supporting the development of non-cash payments and the banking system. The fact shows that countries with more developed mobile money services have stronger growth in the banking
industry. When mobile money develops to a certain stage, it will create conditions for the banking system to develop accordingly, thereby promoting economic growth to a higher level. As with the Internet, mobile finance helps hundreds of millions of people access financial services for the first time - not just payments, but also other services such as savings, investment, insurance and loans - at much higher speed than the traditional financial model. This creates a great opportunity for building a huge infrastructure for financial development at low cost and high speed.
Third, the opportunity for win-win cooperation: advanced products (payment, money transfer, withdrawal) of mobile money will still need to be linked with banks. Accordingly, payment intermediaries, e-wallets or mobile money service providers and commercial banks can cooperate in the spirit of 3Cs (cooperation, coordination, and competition). If this works well, the potential for expanding the customer bases of banks is significant. Fourth, mobile money can bring a huge source of deposits - the source banks aim at to reduce costs. Currently, the Prime Minister’s Decision 316 requires mobile carriers to maintain a minimum bank account balance at all times equal to the balance of their customers’ mobile money accounts. It means that in essence, the source of deposits from mobile money finally flow into the banking system. Assuming that only about 20 percent of the current 130 million mobile subscribers in Vietnam use the mobile money service with the amount in each account being VND10 million (USD435) per subscriber, the size of deposits at commercial banks could increase up to VND260 trillion (USD11.3 billion) or higher. Currently there is no evidence showing that mobile money poses risks to the stability of the financial system or other payment systems. Even in markets where mobile money flourishes, mobile money transaction value still accounts for a much smaller proportion than total financial transactions, which highlights the characteristics of “high volume, small value” of this service.
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market movements
Tha o Minh
Mobile money approved for pilot scheme in Vietnam mobile money providers in accordance with the government's regulations on mobile subscriber registration. The mobile subscriber number must be activated and used continuously for at least three consecutive months up to the time of registration of the mobile money service. Each customer is permitted to open only one mobile money account at each mobile money service provider. The implementation will be piloted within two years from the time the first enterprise to be involved receives approval to implement the mobile money service.
On 9 March 2021, the Prime Minister promulgated Decision 316/QD-TTg approving the pilot implementation of telecommunications accounts for making payments for small value goods and services (mobile money). The decision takes effect from the signing date.
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he pilot implementation of mobile money aims to contribute to the development of non-cash payments, and enhance access to and use of financial services, especially in rural, mountainous, remote, border and island areas. According to the decision, enterprises holding a license to provide electronic wallet payment intermediary services as well as one to establish a public terrestrial wireless telecommunications network - or a subsidiary allowed by the parent company to do so - are permitted to use the telecommunications infrastructure, networks and data. Individual customers who register and use the mobile money service must provide an identification or citizen identity card or valid passport with information that matches their mobile subscriber registration information and is identified and verified by the
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The decision states that the transaction limit must not exceed VND10 million (USD435) per month per mobile money account for total transactions including money withdrawal, transfer and payment. Data from the General Statistics Office of Vietnam showed that by the end of 2019, Vietnam had 129.5 million phone subscribers, of which the number of 3G and 4G mobile phone subscribers was more than 61.3 million. Mobile phone networks cover most localities nationwide. In 2019 with 43.7 million smartphone users (accounting for 45 percent of the population), Vietnam is at a regional average, higher than India, the Philippines, Indonesia and Thailand. Mobile banking transactions in Vietnam are expected to increase by 400 percent by 2025, according to the Fintech and Digital Banking Asia Pacific report co-released by Backbase and IDC in May 2020.
market movements
Ha Nhie n
Vietnam to grow 6.5 percent over next decade decade, said the report. In terms of infrastructure development, in the next five years, Vietnam plans to complete the eastern cluster of the North-South Expressway, the first phase of the Long Thanh International Airport and over 1,700 kilometres of a coastal road from the northern province of Quang Ninh to the southern province of Ca Mau. The government also targets keeping public debt at 47.5 percent of GDP, below the 65 percent limit, which Fitch said is an achievable target given the strong economic growth potential. Ho Chi Minh City, Vietnam
The Vietnamese economy is expected to grow by 6.5 percent a year over the next decade as the government diversifies export markets and improves infrastructure, Fitch Solutions has forecast.
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he forecast by the market research company is at the lower end of the government’s 6.5-7 percent growth target for 2021-2025. Vietnam’s free trade agreements are set to help it expand its external market access and avoid overdependence on a single trade partner, Fitch said in a note. The country plans to prioritise imports of machinery and high-tech equipment. "A key difference in the economic strategy going forward is the government’s aim to ascend the value chain and grow its high-tech industry." However, this would require an increase in skill levels, which could only improve slowly over the coming
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Vietnam’s GDP growth was 2.9 percent last year due to Covid-19 and it was one of the few economies in the world to achieve positive growth. The government of Vietnam has set a target for GDP growth at 6.5 percent in 2021. In December 2020 Fitch Solutions expected the Vietnamese economy to record strong growth in 2021 and would raise its real GDP growth forecast to 8.6 percent. Meanwhile, economists from the Bank of America forecast the Vietnamese economy growing 9.3 percent in 2021 - a much higher growth rate than the 6.8 percent expansion projected by the World Bank. HSBC also projected Vietnam’s GDP growth at 7 percent in 2021.
partners
Ho ang D an
Dedicated efforts justify BIDV MetLife successes clients’ families as soon as the paperwork had been completed. One particular client tragically had an accident and died in May, leaving behind their life partner and two school-aged children. BIDV MetLife staff quickly verified the information. After collating the results, the company decided to pay accidental death benefits as in the contract terms with the aim to promptly help the family stabilise after the unexpected event, and ensure the children were able to continue with their education.
BIDV MetLife leadership
BIDV MetLife continuously strives to pursue the mission of providing the best service to customers, particularly through such challenging times as the current pandemic, in order to raise the living standards of Vietnamese people.
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uring last year’s Covid-19 social distancing periods, BIDV MetLife received a number of claims for insurance benefits under the circumstances of limited travel and difficulties in the verification process. Taking responsibility and keeping the ethos of always putting clients’ interest first, BIDV MetLife overcame such limitations, quickly collected documents, made claim decisions, and made payments on behalf of
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Another client died suddenly while travelling abroad last year. The customer’s insurance contract did not specify the beneficiary – luckily, the client purchased life insurance from BIDV MetLife. After receiving the case, BIDV MetLife’s Benefit Department helped the client’s family complete the estate division agreement so that they could take advantage of the benefits as claimed in the contract. Over the last six years, BIDV MetLife has paid almost VND36 billion (USD1.56 million) in insurance benefits. In 2020 alone, BIDV MetLife successfully resolved 5,790 cases, making payments amounting to around VND25.2 billion (USD1.1 million).
partners
BIDV MetLife representatives received an AmCham CSR Recognition Award 2020
Since its establishment in 2014, the top priority and mission that BIDV MetLife has pursued is to strive to bring the best for customers, and ensure customer service quality in any and all circumstances. While taking care of customers and ensuring their benefits, since entering the Vietnamese market BIDV MetLife has also utilised corporate social responsibility (CSR) programmes to contribute to the community’s sustainable development and ensure social security in places where the company operates. Chief Executive Officer of BIDV MetLife Gaurav Sharma shared, “The employees, clients, partners, and the community are our top priorities. We pursue the goal of “always with you, building a more confident future”, and turn this goal into a foundation to build a better and more humane future. Therefore, we always do our
best to ensure that customers benefit as well as aiming at sustainable social activities, contributing to creating positive change for Vietnamese people.” BIDV MetLife has coordinated with BIDV branches in various provinces to jointly implement initiatives for the community such as awarding scholarships, donating bicycles to underprivileged students who have shown great efforts to achieve excellent academic results, presenting new facilities to schools, and much more. As a joint venture between MetLife Co., Ltd. (belonging to MetLife, the US’ leading life insurance corporation with 150 years of operation) and leading Vietnamese lender BIDV, BIDV MetLife participates in various CSR activities in the country with the budget mainly stemming from MetLife Foundation. Since 2017, the Foundation, in
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collaboration with partners including Trick up, Plan International, Habitat for Humanity, CEP, Room to Read, and the Special Olympics have supported USD5 million through 10 initiatives and projects related to comprehensive finance. Always showing a high degree of responsibility, BIDV MetLife has been honoured with a Corporate Excellence Award by Enterprise Asia – the leading non-governmental organisation on the continent in entrepreneurship – for pursuing the mission of providing the best service to customers, even during such challenging times as the present. In addition to that, BIDV MetLife won the American Chamber of Commerce in Vietnam CSR Recognition Award 2020 in Hanoi last December. This was the fourth consecutive time that BIDV MetLife was bestowed the honour.
Policy update
Tu an D at
New law applying to foreign investors The National Assembly of Vietnam passed a new law titled ‘Law on Investment 2020’, effective from 1 January 2021. Some key points of the new law are outlined below. Market access conditions applied to foreign investors Article 9 states that market access conditions applied to foreign investors specified in the list of business lines restricted to foreign investors includes: l Ratio of the foreign investor’s charter capital in a business entity; l Investment form; l Scope of investment; l Capacity of the investors and partners participating in the investment activities; l Other conditions specified in the Laws and Resolutions of the National Assembly, Ordinances and Resolutions of the Standing Committee of the National Assembly, Decrees of the Government and international agreements to which Vietnam is a signatory.
In addition, at point c, clause 1, Article 22, before establishing an economic organisation, the foreign investor must have an investment project, carry out the procedures for the issuance or modification of the Investment Registration Certificate, except in cases of establishing a small and mediumsized creative start-up enterprise and an investment fund for creative startups in accordance with the law on support for small and medium-sized enterprises.
Change in the ratio of holding charter capital applicable to foreign investors when conducting investment activities In clause 1, Article 23, when establishing a business entity, making investment by contributing capital, purchasing shares or purchasing stakes of a business entity or when making investment under a business cooperation contract in one of the following cases, the foreign investor must satisfy the conditions and follow investment procedures applied to foreign investors: l Over 50 percent or more of its charter capital is held by a foreign investor or the majority of the general partners are foreigners if the business entity is a partnership; l Over 50 percent or more of its charter capital is held by a business entity mentioned in point a of this clause; l Over 50 percent or more of its charter capital is held by a foreign investor and a business entity mentioned in point a of this clause.
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(According to current regulations, the above ratio is 51 percent)
For investment projects not subject to investment policy approval For investment projects not subject to investment policy approval as specified in Articles 30, 31 and 32, the investor shall be granted an investment certificate if it satisfies the conditions specified in Article 38, specifically: l The investment project does not involve any banned business line; l There is a location for execution of the investment project; l The investment project is conformable with the planning as specified in point a, clause 3 Article 33 of this law; l The investment per m2 and per employee is not smaller than the minimum requirement; Market access conditions applied to foreign investors are satisfied.
products & services
Bao Ngoc
Foreigner customers now eligible for BIDV e-banking services BIDV officially began offering e-banking products to foreigners and Vietnamese non-residents.
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oreigner customers and Vietnamese non-residents can now register for BIDV SmartBanking and BIDV Online, particularly: BIDV SmartBanking service: For individuals (resident and non-resident) of 18 years of age and above having full civil act capacity; or of 15 years of age and above with no limited or lost civil act capacity according to the provisions of Vietnamese law; or household businesses holding a current account at BIDV registered to their mobile phone number. BIDV Online service: For individuals (resident and non-resident) of 18 years
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of age and above having full civil act capacity; or of 15 years of age and above with no limited or lost civil act capacity according to the provisions of Vietnamese law, holding a current account and registered mobile phone number with BIDV. Foreigner customers and Vietnamese non-residents using BIDV SmartBanking and BIDV Online will be able to access all financial and nonfinancial features with the exception of online savings transactions and gifting transactions. For more information please visit BIDV branches nationwide or call the bank’s hotline via 19009247.
products & services
Phuong Tran
Supporting women-led SMEs To further support WSMEs, BIDV has offered a comprehensive financial program with preferential service fees and interest rates for long-medium term and short-term loans. Accordingly, eligible WSME customers will be offered a first-year loan interest rate of 7.5 per cent p.a. maximum, as well as other attractive offers such as waiver or reduction of payment account fees, cashflow management fees, trade finance/guarantee services and e-banking services, amongst others.
BIDV recently launched its “Covid-19 Relief Comprehensive Financial Program for Women-led Small and Medium-sized Enterprises (WSME)” jointly funded by Asia Development Bank (ADB) and BIDV with attractive financial and nonfinancial solutions to support women to recover financially and develop their business activities.
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or eligible existing SME customers facing difficulties due to the Covid-19 pandemic, BIDV offers many solutions including restructuring loans with extended repayment term from six months and above; supporting six months of interest up to USD10,000 per customer applicable to structured loans with principal and interest emerging since the Covid-19 pandemic was announced in Vietnam on 23 January 2020; and applying free structural penalties and fees penalties to debt structure. This program is disbursed from the USD5 million funded by the Women Entrepreneurs Finance Initiative (We-Fi) which has been entrusted to ADB.
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In addition, BIDV is running a specialised business consulting program with leading experts for WSMEs in order to enhance their knowledge on business operations, planning, financial management, financial analysis, cashflow and new products and services, with the aim of ultimately increasing their business results. The “Covid-19 Relief Comprehensive Financial Program for WSMEs” is one of BIDV’s prompt solutions to support WSMEs, implemented concurrently with other WSME programs on digital transformation and non-financial solutions such as online training and business connections designed exclusively for WSMEs under the “National Financial Inclusion Strategy to 2025 and vision to 2030”.
products & services
Thu Trang
No-fee account opening with BIDV rates, preferential payment guarantee fees and more. Moreover, corporate customers will benefit from BIDV iBank, an e-banking product exclusively designed for corporates with utilities including 24/7 transfer, auto payment, real-time data collection, instant transaction updates (deposits, loans, guarantees and international transfer) and flexible centralised cash flow management, amongst others. Through this exceptional program, BIDV aims to provide efficient and cost-saving financial solutions while improving customer experience by innovating the bank’s products and services.
From 22 March this year, BIDV is offering an attractive promotion program for corporate customers “BIDV – The optimal choice of businesses”.
ith no minimum balance requirement, BIDV’s account packages Premier Account and Capital Account offer all corporate customers waivers of the following fees:
With a wide network of over 1,000 transaction points and branches across the country and an advanced BIDV iBank e-banking service, BIDV commits to providing corporate banking customers with convenient payment services and comprehensive banking solutions.
l Account number selection fee, with up to four digits of your choice; 50 per cent of account number selection fee for up to seven digits l Annual fee and transfer fee via e-banking channel l Salary payment fee l Connection fee between your system and BIDV’s platform (such as ERPBIDV iBank, online bill payment, online collection or eKYC).
Thanks to its innovative payment and cash management solutions, BIDV continues to be honoured in numerous categories and awards, including “Best Transaction Bank in Vietnam” and “Best Payment Bank in Vietnam” by The Asian Banker; “Best SME bank in Vietnam” for three years in a row (2018-2020) by The Asian Banking & Finance; and Top 10 Sao Khue (IT) Award for BIDV iBank, to name a few.
In addition, BIDV is offering a capital financing program with preferential interest rates, preferential exchange
For more information, please visit your nearest BIDV branch, or call the bank hotline via 19009247.
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lifestyle
Thu y D uong
A touch of Hue’s charm
An Hien Garden House is a splendid example of mandarin life in bygone days in Hue Imperial Citadel.
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ituated in peaceful gardens on Phuc Nguyen Street, the An Hien Garden House is one of over 85 palaces of royal family members still in existence in the former capital, showcasing how formal Vietnamese royals lived in harmony with nature.
house set in the middle of a garden fringed by tall trees. The An Hien Garden House is said to offer a journey into Hue’s authentic mandarin residential area and lifestyle where tradition, poetry and spirit have been preserved over time.
Green living Solid wooden houses steeped in history and tucked away in picturesque gardens can be found in many places across Vietnam. Those in the North feature large red-brick yards for sun-drying rice and other agricultural products, and are usually surrounded by low trees and bushes. In Hue, however, a more harmonious combination is achieved with the
Built 136 years ago, the house is the former residence of a Nguyen Dynasty princess. Set in spacious 6,500 square metre lush grounds complete with a lily-fringed pond and designed in the ancient architectural style seen in Hue’s royal buildings, the house is strongly influenced by “feng shui”, where architecture, nature, and humans intertwine harmoniously. As well as being the home of generations
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of the royal family, An Hien is also an ecological space that is a verdant green all year round. Plants and trees in An Hien’s garden are arranged in three tiers: tall, old trees that provide precious wood, like jackfruit; fruit trees such as mangosteen, durian and dragon fruit from the south, apricot, persimmon and litchi from the north, and Thanh tra, or Bouea Macrophylla, and figs from the central region; and ornamental and flowering plants, including jasmine.
Exceptional architecture Besides the beauty of the lush green
lifestyle
tiles in the Chinese yin-yang style.
garden, An Hien Garden House is also famous for its “wooden house” architecture in the Hue royal style. According to the ancient rule of feng shui, “the back of the house must be leaning against a mountain and the door must face a river”. An Hien Ancient House was built facing the romantic Huong River. Its gate is arch shaped, underneath the middle of which is a panel with two Chinese characters reading “An Hien”, inlaid with white and white-blue clay on a black background. From the main gate, strolling down the long road, visitors will see a brick wall symbolising a mountain, bending slightly to the west to shield the main worshiping house.
Dynasty. The house is built from jackfruit wood to ward off termites. Connecting beams link the two main pillars of the house at the ceiling, giving stability to the entire frame. The beams also create a platform for a small attic used to store the family’s precious possessions. The roof is covered with different layers of roof
Visitors can wander through a large yard shaded by century-old trees, passing by ancient bonsai pots placed in the front of the house. Turning either right or left, visitors will reach the ancient wooden house. The 135-square-metre wooden house features three spaces with two separate wings on either side and is an excellent example of traditional Hue architecture under the Nguyen
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The middle space serves as the “worshiping area”, containing altars positioned according to the principle “the Buddha altar is at the front, the Ancestor altar behind”. As per the rules in feudal times, the spaces to the sides are for receiving guests, under the principle of “men to the left, women to the right”, while the two wings obey a similar rule: the living space for men is on the left and the space for women is on the right. Many precious treasures from the Nguyen Dynasty court are on display in the house. A hundred years on, having witnessed the ups and downs of history and the harshness of time, An Hien Garden House is now a peaceful place, a cultural venue and a popular stop for tourists exploring the imperial capital
lifestyle
Thu Huye n
Watching the sun rise at Vietnam’s most eastern point In the journey to discover Vietnam, the four furthermost points on its mainland are sacred places that are favourite destinations for those exploring the length and breadth of the country. At Doi Cape - the country’s easternmost point - adventurous travellers can discover a magical place where the sky and sea converge.
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oi Cape is located in Dam Mon fishing village, gently embraced within Van Phong Bay in Khanh Hoa province, just 80km from popular Nha Trang city. Previously, Dai Lanh Cape in Phu Yen was considered the easternmost point of Vietnam, and was even home to a landmark imprinted with the text “The first place to salute the sun on Vietnam’s mainland”. However, when Doi Cape (Khanh Hoa) was discovered, based on coordinates it was recognised as the country’s easternmost point on the mainland. Measured data shows that Doi Cape welcomes the sunrise 4 seconds earlier than Dai Lanh Cape. At this location, a stainless steel spike was attached to mark it as the easternmost point. The journey to Doi Cape is more arduous and challenging than that to Dai Lanh Cape, making it more of a pilgrimage for adventurists. The start of the year from January to May is the best time to explore the area, before the temperatures rise too high and the heavy rainfall starts.
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During the rest of the dry season from June to August, temperatures can reach as high as 35-39 degree Celsius, making the journey all the more challenging. Meanwhile, September to December is the rainy season, which can dampen the adventure and create unique challenges. The journey to the easternmost point is an exciting experience as well as a chance to challenge oneself. After crossing more than 2km of sandy desert, you must climb the high steep mountains that face you. Four mountains must be crossed to reach Doi Cape including Cat Tham, Co Ong, Suoi Tom, and Bai Rang. The way to the mountain is terribly steep and full of gravel and seagrass as hard as thorns. The path to Doi Cape is an opportunity to experience the challenge of difficult terrain, dehydration and loss of energy from the first steps. Despite the challenges, trekking to Doi Cape brings many unforgettable moments. After conquering each mountain peak, you will be compensated by incredible scenery.
lifestyle
place to set up camp due to its flat surface and cool breeze, getting up early the next morning to finish the journey to Doi Cape. The last challenge before touching the stainless steel spike is using a rope to climb the largest rock, standing about 7 metres high.
Travellers should start their journey to conquer Doi Cape early in the morning around 6:30, driving from Nha Trang to Dam Mon, a distance of roughly 80km. Arriving at Dam Mon, take a moment to capture a commemorative photo with the “Dam Mon 0km” landmark. Then, going back about 30 metres, on the right hand side you will see a wide highway with an immense sand area and majestic hills on its two sides.
After this relatively gentle section, you will begin to really experience the challenges, as the smooth highway becomes a steep and rocky pathway. Passing over the mountain-like slopes becomes even more difficult when the ground is covered in a sand layer as thick as that of a desert. After about 2-3 hours crossing through forest and mountains, you will reach Wind beach. Many people choose this
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After tireless effort, you will be rewarded with the extreme happiness and excitement that comes from setting your foot on the easternmost point of the country - the first place bathed in sunlight on the Vietnamese mainland. Note that the sun rises very quickly, taking just over a minute from the moment it starts to rise until it comes over the horizon, so be sure to have your camera ready before 6 a.m. The journey to the easternmost point will be difficult and tiring, but standing on a large rock in the middle of the sea to catch the first sunlight on an S-shaped land is a moment of indescribable joy and unbeatable achievement.
CSR
Ho ng Hanh
BIDV to purchase Covid-19 vaccines for employees Banking is one of the essential services which must operate continuously to meet financial services and payment needs of individuals and enterprises. Many bank workers have to work face-to-face with customers, thus facing a high risk of infection. By offering vaccines for employees and their families, the bank is helping to ensure their safety, meaning the continuous operation of the bank and the safety of customers will be guaranteed, demonstrating the bank’s social responsibility in combating the Covid-19 pandemic.
BIDV has recently announced its plan to purchase Covid-19 vaccines to inoculate employees and their families to ensure their safety as well as that of the bank’s customers.
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ollowing the direction of the Politburo and the Party Secretariat on the objectives of Quarter 1/2021 which required party levels to actively take the lead in the Covid-19 combat, joining the government in providing Covid-19 vaccines to ensure the health and safety of its employees and customers, BIDV has recently announced its plan to purchase Covid-19 vaccines to inoculate employees and their families. BIDV will actively work with the Ministry of Health and authorities to sign up for Covid-19 vaccine purchases. Each BIDV employee along with four family members will be offered Covid-19 inoculation. The bank’s welfare fund shall cover the cost of the vaccines.
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Last year, BIDV provided nearly VND40 billion (USD1.74 million) to funds set up to share the struggles with people affected by the Covid-19 pandemic. Since January this year, BIDV has donated VND6.8 billion (USD295,000) to provinces including Hai Duong, Quang Ninh and Gia Lai for purchasing medical equipment and emergency spending on efforts to combat Covid-19. In 2020 BIDV proactively reduced its income by more than VND6,400 billion (USD276.5 million) for restructuring debt, lowering interest rates and reducing interest and fees to support businesses and people affected by Covid-19.
리뷰
번역감수: 박성재 전략부 2 부장 제주도 성산일출봉
뉴스
Mr. Le Ngoc Lam (중심) BIDV 은행장 선임
BIDV 은행장에 Mr. Le Ngoc Lam 선임 2021년 3월 12일, BIDV 은행장에 Mr.Le Ngoc Lam이 선임되었다. 그 는 또한 이사회 멤버로도 선임되었 다.
베트남 최대 상업 은행인 BIDV는 Mr. Le Ngoc Lam을 BIDV은행장으로 임명했음을 발 표하였다. 그는 또한 주주 총회에서 20172022 년 임기 동안 활동하게 되는 BIDV 이사 회 멤버로 선출되었다. 임명되기 전 Mr.Lam의 직책은 BIDV의 이사회 담당 수석 부행장이었다. 1975 년에 출생한 Mr. Le Ngoc Lam은 BIDV에서 24 년 간 근무하였다. BIDV So Giao Dich 1 지점 부장, 신용 리스크 관리부 부 부장, 기업고객부 부장 등 다양한 분야에서 근 무하였다. 이후 그는 2015 년 1 월 BIDV의 수 석 부행장으로 임명되었다.
(CEO)로 임명하면서 은행의 2021-2025 년 중장기 경영 전략을 시현하는 데 도움이 될 것 이라고 말했다. Mr. Le Ngoc Lam은행장은 중앙 기업 당위 원회, 베트남중앙은행지도부 및 BIDV 이사회 의 신뢰에 대해 진심으로 감사함을 표했다. 그 는 새로운 직책에서 BIDV의 운영을 안전하고 효과적며 지속 가능한 방식으로 이끌고 운영하 기 위해 더 많은 노력을 기울일 것이라고 각오 를 밝혔다. 현재 BIDV의 이사회는 11 명의 이사로 구성되 어 있다.
Duc Anh기자 Mr. Doan Thai Son베트남중앙은행 부총재 는 Mr. Le Ngoc Lam을 BIDV의 최고 경영자
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BIDV 리뷰
뉴스
BIDV, 글로벌 250 대 은행 브랜드 중 하나 Brand Finance Banking 500 순위의 총 브 랜드 가치는 2018 년에 10% (1 조 7 천억 달 러에서 1 조 1,800 억 달러로), 2019 년에는 15% (1 조 3,600 억 달러) 증가했다. 그러나 전체 브랜드 가치는 2020 년 (1 조 3,300 억 달러)과 2021 년 (1 조 2,700 억 달러)에 각 각 2%, 5% 감소했다. 중국 은행은 브랜드 금융 뱅킹 500 2021 순위 에서 우위를 유지하고 있다. 브랜드 가치 기준 으로 전체 가치의 3 분의 1에 달하며, 상위 10 대 기업 중 7개를 보유하고 있다. 브랜드 가치 가 728 억 달러로 10% 하락했지만 ICBC는 여 전히 세계에서 가장 가치있는 은행 브랜드이다.
2021년 2월에 발표 된 500 Brand Finance Banking 보고서에 따르 면, BIDV는 30위를 상승하여 246 위를 기록하였다. 올해 9 개의 베트 남 은행이 Brand Finance Banking 500 목록에 올랐으며, BIDV는 베트 남 5 대 은행 브랜드 중 하나로 선정 되었다.
Brand Finance에 따르면 베트남의 은행 부 문은 다른 어떤 국가보다 높은 브랜드 가치 성 장을 나타내었다(전년대비 23% 상승). 코로 나-19를 효과적으로 통제한 베트남의 능력은 은행 브랜드 가치 하락을 방어하는데 일조하였 다. 베트남 내부의 개혁 움직임은 베트남 금융 의 책임 경영을 강화했으며, 이는 브랜드 평판 과 신뢰를 높이는 효과를 가져 왔다. 베트남 은 행 부문은 5 년 동안 누적 브랜드 가치 성장률 이 753%로, 전 세계에서 두 번째로 빠른 성장 률을 기록했다. 이 보고서는 은행 업계가 전년 대비 지난 2 년 동안 극적인 침체를 경험했다고 밝혔다. 연간
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2021년 3월
미국 은행의 경우, 전체 브랜드 가치의 4 분의 1 을 차지하고 있다. 미국의 74 개 은행은 2,748 억 달러의 누적 브랜드 가치에 달한다. Bank of America는 미국에서 328 억 달러로 여전 히 가장 가치있는 은행 브랜드로 전체 5 위를 기록했다. JP Morgan은 브랜드 가치가 상승 한 (3.2% 증가한 236 억 달러)를 기록한 유일 한 브랜드이다. 런던에 본사를 두고 20 개국 이상에 지사를 두고있는 Brand Finance는 세계 최고의 독 립 브랜드 평가 컨설팅 회사이다. 회사는 ISO 10668에 설정된 업계 표준을 준수하는 브랜드 평가 방법 인 Royalty Relief 접근 방식을 사용 하여 브랜드의 가치를 계산하고 있다.
Van Tran 기자
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BIDV 지도층 및 사회, 감사위원회 신임 인원 기념 사진 촬영
주주총회에서 2021 년 BIDV 경영계획 확정 2021년 3월12일, BIDV는 주주총 회를 통해 2021년 경영계획을 확정 하였다. 또한 이사회 및 감사위원회 의 추가 인원을 선정하였다.
여러 어려움에도 불구, 긍정적인 성과 달성 자연 재해와 Covid-19 의 심각한 영향에도 불 구하고 BIDV는 비즈니스 연속성과 안전을 보 장하기 위해 많은 노력을 기울였으며 긍정적 인 결과를 달성했다. 2020 년 사업 계획 목표 를 달성하였고, 경제 및 시장 발전에 따른 성장 을 이룩하였다. 또한, 주주와 직원의 이익을 보 장하였을 뿐 아니라, 또한 지역 사회에 대한 책 임을 효과적으로 수행하였다. 특히, 자연 재해 및 전염병으로 인해 피해를 입은 전국의 기업 및 개인과 어려움을 공유하기 위해 적극적인 지 원을 하였다. 총 자산은 2019 년에 비해 1.8 % 증가한 1,516조동 (660 억 달러)를 시현하였다. 예수 금의 경우 1,402조동 (미화 610 억 달러)에 달 한다. 이 중 기관 및 개인 예수금은 1,295 조동 (미화 563 억 달러)로 2019 년 대비 9.1 % 증
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BIDV 리뷰
가했다. 총 미결제 대출 및 투자액은 1, 438 조 동 (625 억 달러)로 2019 년보다 8.5 % 증가 했다. 미결제 대출은 2019 년에 비해 8.5 % 증 가한 1,230조동 (미화 535 억 달러)에 달했다. 수수료 수입은 2019 년 대비 19.6 % 증가한 7조2,190 억동 (미화 3 억 1,400 만 달러)를 달성했다. 세전 연결 이익은 약9 조 260억동( 미화 3 억 92백만 달러)를 달성하여 SBV가 지 정한 목표를 초과하였다. 그러나 2020년 세전 연결 이익은 Covid-19 영향을 받은 기업과 고 객들을 지원하기 위해 실시한 부채 구조 조정, 이자율, 이자 및 수수료 인하 정책의 시행으로 2019 년보다 낮은 수준을 나타낸다. BIDV는 정부 예산에 6 조 4,370 억 동 (2 억 8 천만 달러)를 납부하였다. 또한, 5 년간 정부 에 납부한 누적 금액이 27 조 9 천억 동 (12 억 달러)에 달한다. BIDV는 이는 연 8 %의 배당
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률로 총 3 조 2,180 억 동 (미화 1 억 4 천만 달 러)의 현금 배당금을 지급하였다. 2020 년 말 BIDV 시가 총액은 193천억동(84 억 달러)으로, 베트남 주식 시장에서 시총 5 위 를 차지했다. 2020 년 12 월 31 일 현재 BIDV 주가는 47,900동 (2.1 달러)으로, 2020 년 3 월 저점에 비해 56 %, 2020 년 초에 비해 4 % 상승하였다.
2021 년 주요 목표 설정 2021 년 세계 경제는 Covid-19 전염병, 글로 벌 기후 변화, 미- 중 간의 무역 긴장으로 인해
낙관하기 어려울 것으로 예상된다. 베트남 국회 는 2021년 GDP 성장률 6.5 %, CPI 4 %의 목 표를 설정하였다.
BIDV는 또한 디지털 뱅킹을 적극적으로 구현하 고, 멀티 서비스 비즈니스 모델을 촉진하며, 국제 표준에 따라 거버넌스 능력을 향상시킬 계획이다.
2021 년 정부의 결의안 및 중앙은행의 지침에 따라, BIDV는 “훈련– 양질 – 디지털 전환”이 라는 행동 전략을 수립하였다.
은행의 시스템 역량을 강화시키기 위해 주주들 은 Mr. Le Ngoc Lam (BIDV 행정 담당 부사 장)과 Mr. Nguyen Quang Huy (전 베트남 예금 보험 회장)이 2017-2022년 임기의 이 사회로 선정되며 Mrs. Nguyen Thi Thu Ha (BIDV 계획부 부부장)가 2017-2020년에 감 사위원회에 참석하기로 결정 되었다.
BIDV의 주요 비즈니스 목표는 다음과 같다. 예 수금 (12-15 % 증가), 자산 (10-12 % 증 가), 세전 연결 이익 13조 억동. 한편, 배당 성 향은 2020 년 대비 낮지 않은 비율을 유지하는 것으로 설정하였다.
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2021년 3월
Phan Oanh 기자
뉴스
BIDV, 베트남 최우수 자금관리 은행 선정 BIDV는 최근이 분야에서 뛰어난 성과를 인정 받아 Asiamoney에서 “2020 년 베트남 최우수 자금관리 은행”으로 선정되었다.
이 상은 BIDV의 포괄적인 전략과 현금 관리 부 문에 성과를 고려하여 수여되었다. 자금관리 서 비스는 다중 채널 자금관리, 연중 무휴 (24/7) 온라인 결제 및 자금 관리 가상 계좌 서비스 지 원 등의 솔루션을 제공한다. BIDV는 기업고객 의 회계 시스템과 ERP 시스템을 BIDV iBank 시스템과 연결하는 온라인 결제 게이트웨이 서 비스를 제공하고 있다. BIDV는 행정비, 병원비, 요금 징수 및 학교 청 구서 지불에 대한 온라인 지불 서비스를 제공하 고 있다. Covid-19 영향에도 불구하고 BIDV 의 기업고객은 2021 년 2 월 현재 323,000 개 회사에 달하고 있다. Asiamoney가 주관하는 Annual Awards 부 문인 "베트남 최우수 자금관리 은행 "상은 BIDV 가 베트남에서 관련 서비스 제공 분야에서 선 두에 있음을 재확인하고 고객에게 양질의 서비 스를 제공하겠다는 은행의 노력을 입증한 것이 기도 하다. 1989 년에 설립 된 Asiamoney는 아시아 에서 최고의 금융 간행물이다. Asiamoney 의 2020최우수 자금관리 설문 조사 순위는 Euromoney의 글로벌 자금관리 설문 조사 결 과에서 수집된다. 이 설문 조사는 약 32,871 건의 비금융 기관들 의 유효한 응답을 수집되었다 (작년 25,000 건). Asiamoney는 자금 관리 전문가, 회계원 및 금용 전문자들의 설문 조사를 통해 아시아 은행 및 국내은행 평가한다. 작년 10 월에 BIDV는 효과적인 지불 및 자금 관리 솔루션으로 The Asian Banker께서“베 트남 최고의 트랜잭션 은행” 및 “베트남 최우수 자금관리 은행”으로 선정된바 있다.
Anh Phuong기자 BIDV 베트남 최우수 자금관리 은행 선정
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BIDV 리뷰
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Moody's, BIDV 신용등급 긍정적 전망 2021년 3월 18일 글로벌 신용 평가 사 Moody’s는 BIDV의 장기 신용 등 급 전망을 부정적에서 긍정적으로 변경했다.
Moody's 발표에 따르면 BIDV의 장기 예금 등 급과 발행자 등급은 Ba3이다. BIDV의 장기 발 행 등급은 베트남 정부의 발행 등급과 동일하다. BIDV의 등급 재조정은 Moody's가 베트남 국 가 신용 등급을 부정적에서 긍정적으로 재조정 된 후에 이루어졌다. Moody's의 이러한 평가 는 베트남의 제도적, 거버넌스 강점, 지속적인 재정 통합 및 시간이 지남에 따라 베트남의 신 용 등급을 강화할 수 있는 잠재적인 개선 징후 를 반영한다. 특히, 코로나-19에 따른 생산 수 요 및 경제의 글로벌 가속화 된 상황에서 베트 남 경제는 더욱 잠재력이 돋보이고 있다. BIDV는 16 년 연속 Moody's의 신용 평가를 받아 왔고, 베트남 내에서 이 분야의 선도 은행 이다. 신용평가회사를 초청해서 평가받는 다는 것은, BIDV의 국제 표준 전략을 구현하는 데 기 여하며 은행의 금융 투명성을 나타내는 것이다.
개의 은행이 부정에서 긍정으로, 4 개의 은행 이 안정에서 긍정로 변경되었으며, 6 개의 은행 이 부정에서 안정으로 등급에 대한 전망을 재 조정하였다. 베트남 은행의 예금 및 발행자 등급은 Moody's 평가에서 베트남 국가 신용 등급의 핵심요소라고 밝혔다. 국가의 신용 등급은 스트 레스 상황에서 은행을 지원하는 정부의 능력에 영향을 받기 때문이다. Moody's가 베트남의 Ba3 발행자 등급에 대한 전망을 부정에서 긍정적으로 수정 한 것은 정부 가 은행에 특별한 지원을 제공 할 수 있는 잠재 적으로 더 높은 역량을 의미한다. 결과적으로 국가 신용 등급의 상향은 정부 지원 상향 확대 를 통해 많은 베트남 은행들의 신용등급 상향으 로 이어질 가능성이 있다.
Anh Tran기자 Moody's는 또한 14 개의 다른 베트남 은행에 대해서도 신용 평가 조치를 취했다. 그 중에 5
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2021년 3월
문화
베트남 문화유산 나이트 투어 활성화 나이트 투어 나이트 투어란 밤에도 관광 활동을 활용하거 나 해당 활동을 만들어 관광객에게 체험 시 킬 수 있는 관광의 유형이다. 강원발전연구원 (2008)에서는 나이트 투어란 “지역주민과 외 지 방문객들 대상으로 야간에 해당지역 문화와 서비스 편의시설 및 인프라, 야경 이미지 등을 자원화하여 창출되는 관광현상”으로 규정했다. 이러한 형태의 관광은 오래전부터 있어 왔다. 예쁘고 아름다운 풍경과 다양한 체험은 낮에만 즐길 수 있는 것이 아니라, 밤에도 이색적인 풍 경과 체험이 가능하다. 이는 관광의 고유 형태 에 묶이지 않고, 다양한 면을 개척하여 관광분 야의 발전에 도움이 된다.
베트남의 나이트 투어 현황 세계 각국에서도 대도시 나이트 투어이라고 하 면 맥주거리, 야시장, 야간 길거리음식, 야간축 제 등을 주로 말한다. 이는 대도시들에 일부의 특징이기도 하다. 하지만, 베트남에서는 대도시가 아닌 광역시, 2-3선 도시에서도 나이트 투어의 다양한 활동으 로 국내외 관광객의 발길을 이끌어 있다. 다낭의 경우, 5개 야시장이 주중과 주말에 활발히 운영 되어 국내외 관광객의 호감을 받고 있다. 그 중에
Son Tra 야시장이 다낭에서 유명한 Song Han (한강)강가에 위치하여 Cau Rong (한강을 건너 지른 용다리)에 주말 밤마다 진행하는 특별 행사 를 즐길 수 있다. 푸꾸옥과 나짱에서는 밤 오징어 낚시 투어, 후에는 Song Huong (흐엉 강)에 밤 마다 전통음악 감상 및 음식 투어, 껀터와 빈롱에 는 수상 야시장 투어와 불꽃축제, 음식축제, 관광 축제와 같은 야간에 진행하는 축제로 베트남 나 이트 투어 시장이 상당히 활발하다.
호아로 입구
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BIDV 리뷰
코로나 19가 끝나 관광의 정상 상태가 된다 면, 하노이에 있는 호아로 (베트남어: Nha tu Hoa Lo) 수용소의 나이트 투어 체험을 권하 고 싶다..
문화
관광객 투어 참가
한 이곳은 식민지 착취와 프랑스인들을 향한 베 트남인들의 괴로움의 상징이 되었다.
호아로 내부
호아로 내부
호아로 수용소 2020년 7월말부터 호아로 수용소 나이트 투어 가 정식적으로 선보이면서, 관광객에게 색다른 체험을 제공하고 있다. 투어를 체험하기 전에 호아로 수용소의 형성배경과 역사를 알아보자. 호아로 수용소는 베트남 하노이에 있는 교도소 겸 포로 수용소였다. 현재는 교도소로 사용하 지 않고 박물관으로 활용하고 있다. 2020년 7 월까지는 주간에 관광지로 활용하고 있었다가 이제 나이트 투어 특별 코스를 추가해서 다양한 체험을 제공하게 되었다.
호아로 수용소는 프랑스가 베트남에 대한 식민 통치를 시작하고 4년 후인 1886년부터 하노이 에 건설한 감옥이다. 호아로(Hoa Lo, 火爐)라 는 이름은 흔히 ‘불붙은 용광로’(火爐) 또는 ‘옥 실’(獄室)로 번역되기도 하며, 또한 호아로 (火爐)를 의미하기도 한다. 이름은 호아로 거 리(pho Hoa Lo)라는 거리명에서 유래했으며, 프랑스 식민지 시대에 이 거리에서 ‘목재난로’ 와 ‘석탄난로’를 판매하는 상점이 몰려 있어서 호아로라는 이름이 붙여졌다. 호아로 수용소는 식민 시대 감옥으로, 전쟁기 간 베트남 독립 운동가들을 가두고 고문과 처형 하던 시설들이 있는 곳이었다. 감옥을 둘러쌓은 벽은 높이 4m, 두께 0.5m이며 안에 갇힌 사람 들이 탈출 못 하도록 벽 위에 유리병의 깨진 조 각들을 이용하여 붙이고, 고압전기선까지도 설 치하였다. 호아로 수용소는 경비실, 의료실, 소 형 병원, 미입건자 감금실, 입건자 감금실, 처 형실 등 7 가지의 건설 항목으로 나뉘어져 있으 며, 수감자들은 인간 이하의 상태에 처해 있었 다. 1899년 베트남 운동가들의 활발한 활동들 을 막기 위해 수용소는 운영에 들어갔다. 1913 년에 개조를 거쳐 수용할 수 있는 인원이 460 명에서 600명으로 늘어났고, 1954년경에는 2,000명 이상을 수용하였다. 도시 중심에 배치
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2021년 3월
1954년에 프랑스 식민군의 패배로 호아로 수 용소는 하노이 위원회에 인수되었고, 1964년 부터 1973년 미군 조종사 포로를 가두는 이 운 영되었다. 특히, 미국의 정치인이었던 존 매케 인 (John McCain) 도 여기에 감금된 적이 있 었다. 그 당시에 미군의 포로들이 이곳을 하노 이 힐튼 (Hanoi Hilton)이라고 부르기도 하였 다. 1993년에 하노이 시의 도시개발 계획안 검 토하여, 베트남 정부가 호아로 수용소의 일부 는 호텔과 임차 사무실로 재건설해서 사용하고 나머지는 전시공간으로 사용하기로 결정하였 다. 이 공간에서 수감자들의 침상과 각종 고문 도구, 처형도구 등이 복구되어 전시용으로 운영 해 오고 있다. 2020년 7월 24일부터 호아로 수용소 관리 사 무소가 하노이 투어리스 여행사와 협력하여 “신령한 밤–빛나는 비엣 정신”의 태마로 야간 투어를 진행하고 있다. 저녁 7시부터 45분 동 안 베트남의 아픈 역사를 돌아보고 그 환경에서 살고 버텨냈던 수감자들의 애국심을 느끼게 하 고 온몸에 고통으로 찌른 채 낙천을 지키는 그 들의 생활 등을 체험하게 하는 투어이다. 이는 관광의 역할을 할 뿐만 아니라 교육의 역할도 담당하기도 한다. 프랑스 건축을 애호하는 사 람, 또는 비장한 베트남 역사에 궁금해 하는 여 행자들이 하노이에 방문한다면 반드시 빼놓아 서는 안 되는 관광 명소이다. 호아로 수용소는 1997년에 베트남 문화-체육-관광부로부터 역사적 관광지로 공인을 받았다.
Duy Minh기자
CSR
BIDV, 직원과 가족을 위해 Covid-19 백신 지원 Covid-19을 통제하기 위한 방안 마 련 지시에 따라 BIDV는 직원과 직원 가족을 위한 Covid-19 백신 접종 지 원 계획을 수립하였다. BIDV는 보건부에 연락하여 Covid-19 백신에 대하여 구매 신청할 예정이다. 직원 1 명당 4명 의 가족이 함께 지원받을 수 있다. 이에 필요한 경비는 은행 복지 기금에서 충당될 것이다. 보건부에 따르면 베트남에서 Covid-19 예방 접종을 우선시하는 11개의 그룹에는 의료진, 전염병 예방 관련 직원, 군대, 경찰, 필수 서비 스 제공자 등 해당된다. 은행 산업은 재정 및 금융 활동을 지속적으로 수행하는 필수 서비스를 제공하는 산업 중에 하 나이다. 은행 직원은 정기적으로 고객과 거래하 기 때문에 감염 위험이 높다. 직원과 가족을 위 한 백신 구매 지원을 통해, 직원들은 업무 수행 에 안정감을 느끼며 은행의 지속적 운영이 보장 된다. 또한 사회 공동체에 있어 Covid-19 전염 병 예방 책임을 입증할 수 있게 될 것이다. 2020년 BIDV는 Covid-19 사태로 어려움 에 처한 시민과 지역에 약 400억 동의 지원 금을 기부하였다. 또한, 2021년 1월부터 Hai Duong, Quang Ninh, Gia Lai 성에 Covid-19 대응 및 예방을 위해 의료 장비 구매 및 기타 지출로 약 68억 동을 긴급 지원했다.
Hong Hanh기자
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BIDV 리뷰
