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 of the consumer finance company in its strategy to accompany the sustainable development of the nation. It also affirms Home Credit Vietnam’s progress in pursuing Environmental, Social, and Governance (ESG) goals, particularly in improving and strengthening the Governance (G) factor across all business operations.
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Jakub Kudrna (C), Chief Strategy Officer and Chairman of Home Credit Vietnam’s ESG Steering Group, receives the Top 10 Sustainable Companies in Trade and Services certification from Deputy Minister Nguyen Manh Khuong and VCCI Vice President Nguyen Quang Vinh. Photo courtesy of Home Credit |
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, as risk identification serves as the basis for launching and executing sustainable initiatives.
Throughout its 17 years in Vietnam, the company has prioritized responsible growth by emphasizing transparency and strict risk control. It 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.
Home Credit’s NPL in the third quarter of 2025 was 1.57%, compared to an industry average of 7.5%. This indicator reflects its risk management capabilities, as it 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.
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Jakub Kudrna (C) and the Home Credit Vietnam team. Photo courtesy of Home Credit |
Home Credit endeavors to support the community through social activities.
In response to the ongoing natural disasters in Vietnam in 2025, the company contributed over VND2 billion to support school reconstruction and aid its employees in affected areas.
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 5 schools in remote areas. These activities consistently garnered enthusiastic involvement from numerous volunteers within the corporation and its partners.
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Home Credit’s employees donate money to support reconstruction of a kindergarten in Thai Nguyen Province in northern Vietnam after storm and flood damage. Photo courtesy of Home Credit |
As well as direct support, Home Credit prioritizes solutions that enhance sustainable livelihoods within the community. 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 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. The “Home Smart” series has 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 Ho Chi Minh City and Da Nang. In November, the company further disseminated financial literacy to more than 1,500 female partners of Be Group through both offline and online channels.
According to Jakub Kudrna, Chief Strategy Officer and Chairman of Home Credit Vietnam’s ESG Steering Group, the series of natural disasters in 2025 further made Home Credit 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, the company 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,” Kudrna said.
