At the Asian Banking & Finance (ABF) Retail Banking Awards 2026, Home Credit Vietnam was honored in two major categories: “Finance Company of the Year” and “Sustainability Initiative of the Year.” These accolades recognize the company’s ongoing efforts to maintain operational excellence, develop tailored financial solutions for diverse customer needs, and drive initiatives that create sustainable value.

The Asian Banking & Finance (ABF) Retail Banking Awards 2026 ceremony was held on 2 July in Singapore, bringing together financial institutions from across Asia.  

While this marks the second consecutive year Home Credit Vietnam has won “Finance Company of the Year”, the“Sustainability Initiative of the Year” award recognises the company’s efforts to promote financial inclusion, strengthen economic empowerment and community resilience, and encourage greener, more responsible consumption habits.

Home Credit has achieved a double win at the ABF Retail Banking Awards for the second year in a row

Building sustainable growth

According to FiinGroup’s Vietnam Consumer Finance Report 2026, Vietnam’s consumer finance market is moving into a new phase, with greater attention being placed on growth quality, operational efficiency and risk management after a period of market volatility.

In this context, Home Credit Vietnam has continued to invest in governance capabilities, apply technology to its operating and customer experience processes. The company has also enhanced its internal credit assessment models and digital platforms to optimise application processing time and improve the management of its loan portfolio.

At the same time, Home Credit Vietnam has developed financial solutions based on the needs and repayment capacity of different customer segments – also strengthening the transparency of product information and loan terms, helping customers take a more proactive approach to accessing and using financial services.

These efforts were among the factors behind Home Credit Vietnam’s continued recognition as “Finance Company of the Year”, an award that acknowledges operational performance and adaptability among financial institutions.

According to its 2025 financial statements, Home Credit Vietnam’s total assets increased by 36.8% compared to the beginning of the year, while profit after tax reached VND2,077 billion. Its non-performing loan (NPL) ratio was maintained at 1.66%, while the capital adequacy ratio (CAR) reached 23.3%. These indicators show the company’s stable financial foundation during a period in which the consumer finance market continues to undergo restructuring.

Integrating Social Responsibility into Business Operations

Sharing at the award ceremony, Pham Ngoc Khang, Chief Strategy Officer and Chairman of Home Credit Vietnam ESG Steering Committee, said that sustainable development is part of the company’s long-term strategy.

“We believe that business growth should go hand in hand with the interests of customers and the community. Financial solutions are truly meaningful only when they contribute to improving quality of life and expanding access to financial services for the people,” Mr Khang said.

Mr. Pham Ngoc Khang, Chief Strategy Officer and Chairman of Home Credit Vietnam ESG Steering Committee, delivers remarks at the awards ceremony.

The “Sustainability Initiative of the Year” award recognizes Home Credit Vietnam's activities under its sustainable development strategy. With a people-centric approach, Home Credit Vietnam places them at the heart of product development and community initiatives -  from expanding access to responsible finance and promoting green consumption to investing in sustainable communities.

In 2025, in line with the Government’s emissions-reduction direction, Home Credit Vietnam developed green finance solutions through preferential loan packages for VinFast and Dat Bike electric motorcycles. The partnerships helped encourage consumers to choose zero-emission modes of transport.

In financial inclusion, the company stepped up financial literacy for the community. By 2025, its Home Smart online platform had recorded reachedmore than 21 million people. The company also organised personal finance management workshops for more than 4,000 students and women, while publishing more than 1,000 personal finance management handbooks for women.

Community activities were implemented through the Home Love initiative. Over the past year, Home Credit Vietnam allocated VND7 billion to support people affected by storms and floods and to build three schools in remote mountainous areas. More than 350 employees took part in volunteer activities, supporting over 8,000 children and disadvantaged people.

Home Love initiative creates positive impact for the community

Home Credit Vietnam’s representative said that, in the coming period, the company would continue to maintain its responsible lending strategy, develop products that meet consumers’ actual needs, and expand community initiatives to promote financial inclusion in Vietnam.