Sustainable Business Excellence: OCB Ranked Among Vietnam’s Top 50 Most Effective Companies

The award not only honors businesses with impressive growth but also comprehensively evaluates management capabilities and adaptability in the face of unpredictable economic fluctuations.

Being featured in this prestigious ranking is an objective and valuable recognition, demonstrating that OCB has consistently maintained robust core business operations for many years, while affirming its vision as a leading listed bank.

To date, OCB is recognized as one of the banks with sustainable and effective business operations, as evidenced by its stable growth in core activities. In 2024, amidst significant market volatility, OCB swiftly adapted by implementing bold changes in its business strategy and operations. Over the past year, the bank has achieved notable successes.

OCB continues to strengthen its focus on individual customers, small and medium-sized enterprises (SMEs), and startups. By providing capital, promoting green finance, and driving digital transformation, OCB is creating a comprehensive ecosystem for its customers, aligned with Resolution No. 68 of the Politburo on private sector development.

The SME segment has recorded an impressive growth rate of 51.7%, underscoring the bank’s pivotal role in fostering sustainable development alongside the SME community—a key contributor to the economy’s growth.

OCB is the first bank in Vietnam to provide medium to long-term loans to startups, focusing on cash flow, operational capabilities, and growth potential. Notably, the bank offers substantial funding to support startups’ development over the next 5-6 years.

Uniquely, OCB allows startups to access a significant portion of the loan value for capital recovery, rather than disbursing funds per project. This flexibility enables businesses to manage their capital more effectively. The credit assessment process is equally distinctive, with OCB thoroughly evaluating the startup’s structure and genuine potential to build trust and long-term partnerships.

Another key differentiator driving OCB’s recent success is its comprehensive digital transformation strategy. Early on, the bank invested heavily in Open Banking, expecting it to be a major competitive advantage. Integrating Open APIs into its operations has helped businesses reduce costs related to technology infrastructure, personnel, and operations, while automating data reconciliation processes. As of now, Open API transactions with OCB have increased by 57.9% year-on-year, with transaction values up 184.8% and average CASA balances rising 31.8%. Additionally, OCB’s continuous application of Artificial Intelligence (AI) and Big Data has enhanced customer service and optimized user experiences. By June 30, 2025, digital transaction rates in the retail segment remained high, with a 97% increase in transactions on the OCB OMNI digital banking platform, a 28% rise in CASA, and a 30% increase in online savings deposits compared to 2024. These figures not only highlight the success of digitization but also reflect evolving customer transaction habits, demonstrating OCB’s alignment with modern financial needs: speed, convenience, and security.

OCB is recognized for its flexible and effective adaptability to unpredictable economic changes.

At the event, Mr. Lê Đăng Khoa, Director of the Corporate Banking Division at OCB, shared: “OCB’s recognition in the Top 50 Most Effective Companies in Vietnam 2025 is a strong validation of our strategic direction and unwavering commitment. This success is the result of relentless efforts and the trust of our customers and partners. It motivates us to continue pursuing comprehensive digital transformation and sustainable development, aiming to become one of the top 5 private commercial banks in terms of ROE and ESG by 2030.”