MARKET DEVELOPMENT

• Increase access to credit for MSMEs: The transaction is expected to alleviate financing constraints for Vietnamese MSMEs, which represent over 97% of businesses and 36% of total employment in Vietnam. VP Bank has a strong track record of supporting MSMEs in key sectors such as agriculture, manufacturing, and green growth. Its MSME portfolio includes nearly 150,000 clients with approximately US$1.9 billion in outstanding loans. VP Bank offers tailored solutions such as reduced interest rates, short‑term lending rates, fee waivers for online transactions, and training programs in leadership, e‑commerce, and software.

GENDER EQUALITY

• Increase access to credit for WMSMEs: VP Bank considers WMSMEs a strategic growth segment, serving over 30,000 WMSME customers with US$514 million in outstanding loans. The bank provides preferential interest rate reductions for WMSMEs, enhanced credit card benefits, and training opportunities.
• 2X Alignment: This transaction is aligned with the 2X criteria for financial institutions, meeting the Employment and the Leadership criteria, as well as the Portfolio criterion (40% of proceeds directed to women‑owned MSMEs).
   

CLIMATE AND NATURE ACTION 

• Contribute to the transition to a low‑carbon economy: VP Bank supports green lending through its sustainable finance framework, which covers green, social, and blue finance categories. Its green finance portfolio includes 602 customers with US$601 million in outstanding loans, primarily in renewable energy, sustainable transport, and recycling sectors.