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Home Credit Vietnam has released its 2025 Sustainability Report under the theme “Financing the Future: People, Progress, and the Planet.” Photo courtesy of the company |
A key feature of this year’s report is the company’s sustainability strategy, which is structured around a 4Cs framework: Corporate, Customers, Colleagues and Community.
The framework is intended to guide the company’s approach to financial services and social initiatives, with priorities including expanding access to formal financial services, improving customer experience, protecting consumer rights, and strengthening transparency and responsible governance.
“We are no longer just managing sustainability; we are using it to finance the future. Guided by the 4Cs strategic framework, we remain committed to creating practical value for people, the planet, and shared prosperity,” said Jakub Kudrna, CEO of Home Credit Vietnam.
Expanding access to formal financial services
The company continued to expand access to financial services for groups with limited access to formal credit, including young people, first-time borrowers and customers without established credit histories.
It lowered the eligibility age for point-of-sale installment loans from 20 to 18, allowing younger customers to access formal consumer credit under the company’s lending terms and procedures.
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In 2025, Home Credit broadened access to formal financial services for 236,900 underbanked individuals and 119,000 young people aged 18 to 20. Photo courtesy of the company |
Home Credit said it supported 236,900 underbanked customers in 2025, up 3.9% from the previous year. It also reported that 119,000 people aged 18 to 20 accessed formal consumer credit, 6.3 times the figure recorded in 2024. By the end of 2025, the company said it had served more than 17 million customers in Vietnam.
The company also reported initiatives aimed at improving financial literacy. Its Home Smart program generated more than 21 million engagements with financial literacy content across media platforms and provided direct personal finance training to more than 4,400 people.
Home Credit said it considers financial literacy an important component of financial inclusion, helping users understand financial products and obligations and manage spending according to their financial circumstances.
Supporting the green transition
The report also outlines efforts to support the transition toward lower-emission transportation and reduce the environmental impact of its operations.
In 2025, the company developed a Green Transition Plan, which it began implementing in March 2026. The plan focuses on reducing carbon emissions from internal operations and its product portfolio.
In the electric and zero-emission vehicle segment, the company expanded cooperation with partners to provide financing options for consumers. The company reported 15,000 installment loan contracts for electric vehicle purchases in 2025, 11 times the figure recorded in 2024.
Home Credit also uses artificial intelligence in areas including credit scoring, underwriting, debt collection and quality control. The company said these applications are intended to improve operational efficiency, service quality and risk monitoring.
Its non-performing loan ratio stood at 1.7% in 2025, according to the report.
Developing employees and supporting communities
Home Credit continued to invest in employee training and workplace initiatives in 2025. Employees completed 807,931 hours of training and learning during the year, up 16% from 2024. Programs covered soft skills and emerging technologies, according to the company.
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Home Credit was recognized by HR Asia as one of the “Best Companies to Work for in Asia” for the fifth consecutive year. Photo courtesy of the company |
Home Credit also introduced a policy allowing employees one fully paid day off each year to participate in volunteer activities.
During 2025, the company said it contributed VND9 billion to social activities, including contributions from partners and employees, supporting more than 13,000 people nationwide.
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In 2025, Home Credit contributed VND9 billion to community activities, supporting more than 13,000 people nationwide. Photo courtesy of the company |
During storms and floods affecting several provinces and cities in 2025, Home Credit launched a loan payment support program worth up to VND3 billion. The company said the program was intended to reduce short-term financial pressure on affected customers during the post-disaster recovery period.
Home Credit Vietnam said its 2025 Sustainability Report was prepared in accordance with international ESG reporting frameworks, including the European Sustainability Reporting Standards (ESRS) and the double materiality principle under the Corporate Sustainability Reporting Directive (CSRD).
The company said applying these frameworks is intended to improve transparency in sustainability disclosures and incorporate environmental, social and governance considerations into its long-term business strategy.
Click here for full Home Credit Vietnam’s full 2025 Sustainability Report.