With growth in the period 2016-2019 averages over 30 percent p.a and disruptive improvements in e-banking, BIDV has outperformed peers to receive two key awards including Outstanding Retail Bank and Outstanding E-Banking.

The award ceremony took place on 27 November 2019 in Ho Chi Minh city within the framework of Vietnam Retail Banking Forum 2019 co-organized by Vietnam Banks Association (VNBA) and International Data Group (IDG). BIDV is the only bank to receive the “Outstanding Retail Bank” award for the fourth consecutive year. The bank was also awarded the “Outstanding E-Banking" for the third time.

The two awards were among important categories of the Vietnam Outstanding Banking Awards (VOBA). The VOBA awards were evaluated objectively on strict criteria by experts from governmental agencies, ministries and associations in the finance and banking sector. The prestigious awards are recognition of BIDV's efforts over the past 10 years in improving retail banking size, efficiency and quality.

In the retail banking business, BIDV has determined improving efficiency and applying modern technology as breakthroughs, customers and human resources as the core, and have achieved impressive business results. Accordingly, retail deposits reached over VND600 trillion, retail credit is over VND360 trillion; net income from retail banking reached more than VND17 trillion; and growth in the period 2016-2019 averages over 30 percent p.a. Individual customer base grows more than 10 percent per year, reaching over 12 million customers.

BIDV's outstanding products and services have brought positive experiences to customers such as: personal loans (home loans, business loans, car loans, etc.), savings, card products, money transfer, insurance, securities, and packages dedicated to the segment such as BIDV Premier service.

Regarding to e-banking, 7 million customers of BIDV have banked online, with an average of 5 million active users monthly. In addition, more than 100 million transactions have been conducted via BIDV Interner Banking and Mobile Banking this year, an increase of 50 percent year-on-year.

Outstanding products and services BIDV highly appreciated by customers include: BIDV SmartBanking (using AI technology for speech recognition and smart keyboard), integrating Smart OTP in replacement of SMS OTP, thereby enhacing safety and cost-saving; BIDV Pay+ which allows money withdrawal from ATM without a physical card; and QR Pay. Other products such as Virtual Card, Contactless Card, 24/7 Quick transfer, Bill payment, Online savings and more promise to show in the short run.

In 2019, BIDV established Digital Banking Center, specializing in information technology applications in banking operations. BIDV constantly provides solutions to increase user experience on mobile devices, making it more friendly, easy and convenient for customers, and reducing time to spend at bank counters.

Customer care is also of BIDV’s top priority in order to improve service quality and increase customer satisfaction. In particular, through the Service Scheme 2019: "BIDV Smile - Thoughtful, Professional, and Efficient", BIDV has implemented practical and meaningful activities across its system.