VIB - Always adding value to you Vietnam International Commercial Joint Stock Bank, abbreviated as International Bank (VIB), was established on September 18, 1996, with its head office located at 111A Pasteur, Ben Nghe, District 1, Ho Chi Minh City. On December 31, 2018, after 22 years of operation, VIB has become one of the leading joint-stock commercial banks in Vietnam with total assets of VND 139 trillion, charter capital has increased 157 times compared to the first day of establishment. equivalent to 7,834 billion dong, owner's equity reached more than 10,000 billion dong. We currently have more than 8000 employees serving nearly 2 million customers at 163 branches and transaction offices in 27 key provinces/cities nationwide. 2010 marked an important event when Commonwealth Bank of Australia (CBA) - Australia's No. 1 retail bank and the world's leading bank with over 100 years of experience officially became a shareholder. our strategy with an initial stake of 15%. After one year, on October 20, 2011, CBA completed an additional investment of VND 1,150 billion in VIB, increasing CBA's share ownership ratio in VIB from 15% to 20% in order to strengthen the capital base, system capital adequacy ratio, expanding business opportunities and operational scale for VIB. This strategic partnership allows us to successfully implement long-term plans in our business strategy and especially improve the quality of Customer Service in line with international standards. As one of the pioneer banks in business reform, we are always customer oriented, service quality and innovative solutions as our business motto. We have been increasing the efficiency of capital use, along with governance capacity, continue to focus on developing the retail banking network and new products through diverse distribution channels to provide the best services. package financial solutions for key customer groups, and at the same time improve service quality to better serve customers.