VIB wins double international awards for Best lending solutions for customers

Vietnam International Bank (VIB) continues to strengthen its position as one of Vietnam’s leading retail banks with two prestigious global awards: “Best Bank for Homeowners - Vietnam 2025” from Euromoney and “Most Innovative and Personalized Lending Solution - Vietnam 2025” for its Super Cash from Boston Brand Research & Media.

These recognitions affirm VIB’s innovation capacity, customer-centric strategy, and strong investment in technology to deliver intelligent, convenient, and highly personalized financial solutions.

Euromoney honors VIB as the Best Bank for Homeowners in Vietnam

At the Awards for Excellence 2025 - one of the most prestigious accolades in the global financial industry hosted by Euromoney, VIB excelled in winning the title (Best Bank for Homeowners – Vietnam).

Established in 1992, the Euromoney Awards for Excellence are considered a gold standard in global banking, attracting over 600 banks from more than 100 countries each year. VIB’s award was judged based on rigorous criteria, including customer lending experience, product innovation, technology application, and sustainability.

Euromoney highlighted that VIB has “raised the standards” in Vietnam’s home loan market through significant advancements. The most notable achievement is the bank’s use of Big Data analytics and Artificial Intelligence (AI) to automate credit assessment and document verification - reducing loan approval time to just 8 hours, an impressive improvement compared to the industry norm of 4-7 working days.

This streamlined process allows customers to secure financing more proactively when searching for suitable properties, minimizing risks and increasing flexibility in home-buying decisions.

VIB’s digital platforms such as the MyVIB app incorporate modern loan management tools: real-time loan tracking, automated repayment reminders, and an AI-powered home-loan assistant that provides personalized advice and early warnings of potential financial risks.

Notably, VIB also demonstrates social responsibility through long-term fixed-rate mortgage options, flexible repayment schemes, and a principal grace period of up to 5 years.

Super Cash - Vietnam’s Most Innovative and Personalized Lending Solution

Alongside this achievement, VIB’s Super Cash has been named “Most Innovative and Personalized Solution – Vietnam 2025” at the Global Brand Frontier Awards 2025 hosted by Boston Brand Research & Media (BBRM), USA.

The Global Brand Frontier Awards are known for their high selectivity - fewer than 2% of nominated brands receive recognition. The award honors brands that excel in innovation, personalization, and market impact.

Super Cash is a breakthrough credit solution allowing customers to flexibly shift their credit limit between credit card spending and unsecured loans within a single personal credit limit of up to VND 1 billion. Customers can allocate part of the limit to their credit card for purchases or register for an unsecured loan via the Max app to access instant cash - up to their full available credit limit.

This flexibility enables customers to optimize capital usage and customize their financial choices at any time. A standout feature of Super Cash is the application of GenAI, which recommends credit limits and loan structures tailored to each customer - delivering a uniquely personal financial experience rather than a one-size-fits-all product.

The entire process is fully digital, with loan approval completed in just 5 minutes thanks to end-to-end automation. Customers can proactively select loan terms, limits, and payment dates directly in the VIB Max app.

According to the Awards Council, this is “a trend-defining leap forward for next-generation lending, where customers are empowered to design financial solutions tailored to their spending behavior and cash flow.”

Empowering Customers to Design Their Financial Journey

Beyond Super Cash, VIB advances its “empowerment” philosophy through a new installment conversion feature via international debit cards -  introduced for the first time in Vietnam. Customers can make purchases using a VIB international debit card and later convert any transaction into flexible installments directly on the Max app.

Seamlessly integrated with Super Cash and VIB’s international debit cards on the Max platform, this solution allows customers to manage their entire personal finances - from daily spending to flexible installments and unsecured loans - with a fully AI-personalized experience.

Customers can now decide when and which expenses to convert into installments while maintaining full control over their cash flow. VIB’s “empowerment” approach to personalized financial products - highly regarded by international experts - is being consistently implemented and expanded.

These two prestigious international awards in 2025 clearly demonstrate VIB’s strategic direction: a customer-centric approach, strong technological investment, and continuous product innovation. With its flexible credit solutions, VIB aims to build an intelligent, convenient, and fully personalized financial ecosystem for Vietnamese consumers.