On December 5th, Home Credit was honored among the Top 10 Sustainable Companies in Trade – Services at the announcement ceremony for the 2025 Corporate Sustainability Index (CSI 2025), awarded by the Vietnam Chamber of Commerce and Industry (VCCI).
This marks the fourth consecutive year that Home Credit has been included in the Top 100 Sustainable Companies in Vietnam (CSI 100), recognizing the efforts and dedication of the leading consumer finance company in its strategy to accompany the sustainable development of the nation.
This important milestone is also a strong affirmation of Home Credit Vietnam’s remarkable progress in pursuing the sustainable development goals (ESG), particularly in improving and strengthening the G—governance factor across all business operations.
New advances in environmental and climate risk management
The recent frequent and severe storms and floods, attributed to climate change, have underscored the significance of sustainable development. At Home Credit, alongside maintaining business efficiency, the company is accelerating the measurement and assessment of the impact of environmental and climate risks on its business operations and vice versa.
This approach is considered a significant transformation in Home Credit’s corporate governance, since risk identification serves as the essential basis for the company to launch and execute sustainable initiatives.
Throughout its 17 years of presence in Vietnam, Home Credit has always prioritized responsible growth by emphasizing transparency and strict risk control. The company uses artificial intelligence (AI) and big data to evaluate customers’ financial capability, thereby minimizing non-performing loans (NPL) and making services more accessible to underserved populations without severely compromising the financial health of either party.
As a result, Home Credit’s NPL in the third quarter of 2025 was 1.57%, compared to an industry average of 7.5%. This indicator reflects the company’s effective risk management capabilities, as Home Credit is one of the few finance companies to maintain an NPL threshold below 3% for several consecutive years.
The company also offers various preferential financial solutions to support consumers in accessing environmentally friendly products such as electric vehicles and bicycles, thereby promoting a “green” lifestyle within the community.
Home Credit believes that effective risk management not only facilitates the company to develop better business strategies for the coming years but can also maximize customer protection, empowering individuals to take control of their lives with confidence.
Supporting the community: From providing assistance to fostering sustainable livelihoods
Beyond management initiatives, the company consistently endeavors to support the community through practical social activities. In response to the ongoing natural disasters in Vietnam in 2025, Home Credit swiftly mobilized its entire company, contributing a total of over VND2 billion to support school reconstruction and aid its employees in areas affected by storms and floods.
In addition, the “Home Love” program has supported over 3,000 people in difficult circumstances across the country since the beginning of the year, while also renovating and reconstructing five schools in remote areas. Notably, these activities always garnered enthusiastic involvement from numerous volunteers within the corporation and its partners, fostering the spirit of action for the community.
As well as direct support, Home Credit prioritizes solutions that enhance sustainable livelihoods within the community. That is why, for many years, the company has regularly executed programs aimed at enhancing the livelihoods of underprivileged women, offering them training and guidance throughout their entrepreneurial endeavors and family economic advancement.
For future generations, the company also collaborated with the Banking Academy of Vietnam – Phu Yen Campus to organize sustainable livelihood startup competitions, providing practical knowledge about sustainable development and risk management in businesses to students.
Besides, the “Home Smart” series has also been implemented for many years, concentrating on imparting fundamental financial knowledge to diverse audiences. In 2025, Home Credit’s workshops engaged more than 2,000 university students from HCMC and Danang. In November, the company further disseminated financial literacy to more than 1,500 female partners of Be Group through both offline and online channels.
“The series of natural disasters in 2025 further made us reflect on the responsibility of businesses in environmental risk management and in accompanying societal stakeholders. Guided by the principle of placing people at the center of all strategies and activities, Home Credit is committed to fostering a safe and happy living environment, allowing every individual to enjoy the life they desire. The recognition from VCCI further motivates us to create positive and lasting social impacts, contributing to a more sustainable future for the community,” said Mr. Jakub Kudrna, Chief Strategy Officer and Chairman of Home Credit Vietnam’s ESG Steering Group.
