Bank

IVB: Empowering Vietnamese Businesses as a Strategic Financial Partner

Thirty-five years ago, as Vietnam’s economy embarked on a transformative journey of integration and growth, Indovina Bank (IVB) emerged as a pivotal financial partner. Since its inception, IVB has strategically supported thousands of Vietnamese businesses, with a particular focus on small and medium-sized enterprises (SMEs)—the backbone of sustainable economic development and integration.

Administrator

25 November, 2025

Bridging the Credit Gap for Vietnamese Businesses

According to the General Statistics Office (GSO) and the Asian Development Bank (ADB), small and medium-sized enterprises (SMEs) account for 97% of all businesses in Vietnam, generating 50-60% of employment and 30% of state budget revenue. However, the unmet capital demand for SMEs remains significant. The International Finance Corporation’s (IFC) 2023 report estimates the unfulfilled funding needs of this sector at $21.7 billion, highlighting a critical bottleneck in their development.

Recognizing the vital role of SMEs in the economy, IVB has long prioritized a focused strategy: providing tailored capital and flexible financial solutions specifically for small and medium enterprises, as well as those in export-import, logistics, and international trade. Beyond mere lending, IVB aims to be a long-term partner, offering stable, professional, and industry-specific financial support.

Enhancing Vietnamese Businesses’ Competitive Edge

One of IVB’s most notable achievements is its customized lending programs designed for specific customer segments. The “Empowering Export-Import Businesses to Overcome Challenges” initiative is a prime example: IVB finances up to 70% of contract or LC values pre-delivery and supports 100% of export bill collections with competitive interest rates starting at 4.0% per annum (USD) and 5.30% per annum (VND).

A long-standing IVB client shared, “I highly value IVB’s processes and its people. Their team is proactive, thorough, and adept at navigating complex international payment procedures, ensuring smooth and efficient transactions. IVB’s core values—speed, efficiency, and balanced finance for sustainable growth—are not just slogans but are evident in their daily operations. Our company’s success is a testament to the value of our long-term partnership with IVB.”

In an era of globalization and financial volatility, stable and sustainable capital is essential for businesses. With a robust financial foundation, rigorous risk management, and experienced professionals, IVB has established itself as a trusted strategic partner for Vietnamese enterprises.

IVB goes beyond credit provision by developing a comprehensive financial ecosystem, including cash flow management, trade finance, foreign exchange, and digital banking services. These offerings optimize operational efficiency and enable transparent, modern financial management. This holistic approach underscores IVB’s commitment to fostering long-term, trust-based partnerships with businesses for mutual sustainable growth. Over 35 years, IVB has consistently demonstrated its customer-centric philosophy and dedication to collaborative success.

Celebrating its 35th anniversary (1990–2025), IVB reinforces its commitment to business clients through a range of promotions, including a 25-year business loan with a 12-month grace period, 100% capital coverage, and support for various purposes such as working capital, fixed asset investment, and business expansion. Additionally, corporate clients enjoy free account management, up to 100% waiver on payroll transfer fees, and a 500,000 VND Urbox voucher for new payment accounts, loans, or deposits.