The report is built according to the European Sustainability Reporting Standards (ESRS) and the Corporate Sustainability Reporting Directive (CSRD).

Jakub Kudrna, chief business strategy officer and chairman of Home Credit Vietnam's ESG steering committee, said each initiative is systematically developed and implemented. The company's goal is to bring practical and lasting value to stakeholders, from customers, partners, investors, and employees to the government and community.

"We are committed to continuous innovation to meet the increasing needs of our customers. This principle guides all of our sustainability activities in 2024," Kudrna stated in the report.

Jakub Kudrna with staff. Photo: Home Credit

Jakub Kudrna with staff. Photo: Home Credit

Based on a people-centric core, Home Credit's commitment to sustainable development is realized through six strategic pillars: responsible finance, financial inclusion, empowerment in the digital transformation environment, a diverse workforce, sustainable communities, and economic growth. In this report, the company proactively improved data collection and reporting methods, demonstrating transparency, enhancing quality, and strengthening stakeholder trust.

According to the report, the company's community support activities in 2024 generated many positive impacts. The company built and renovated several schools in disadvantaged areas in Gia Lai, Nghe An, Dak Lak, providing better learning opportunities for 2,700 children.

In addition to company-led programs, many employees were inspired to organize volunteer trips. The total amount contributed to the community by Home Credit Vietnam and its employees in 2024 reached over 8.3 billion VND.

The company also achieved new strides in promoting a diverse, equitable, and inclusive (DEI) work environment. The proportion of female employees has remained stable over the years at approximately 60% of the workforce, with a growing number of female talents in technology.

Groundbreaking ceremony for two classrooms and restrooms at Tan Lap Primary and Secondary Boarding School for Ethnic Minorities in Dien Bien Province. Photo: Home Credit

Groundbreaking ceremony for two classrooms and restrooms at Tan Lap Primary and Secondary Boarding School for Ethnic Minorities in Dien Bien Province. Photo: Home Credit

With its people-centric approach, Home Credit Vietnam values talent development. According to the company, a skilled workforce is a long-term investment that enhances the capacity of the entire organization. Each employee is encouraged to develop their own career development plan, with professional guidance from management.

Continuous workforce development has helped the company consistently be recognized among the top 100 best places to work in Vietnam. At the HR Asia Awards 2025 ceremony on 14/8, Home Credit was again honored as one of the Best Companies to Work for in Asia for the fifth consecutive time. The award is presented by HR Asia, a leading human resources publication in Asia.

Besides human resources, corporate governance and risk management continue to be the company's core foundations. In 2024, the company recorded a non-performing loan (NPL) ratio of only 1.76%—much lower than the industry average of 8.4%, and an improvement from the 2.49% rate in 2023.

According to a company representative, these results demonstrate the company's risk management capabilities and adherence to responsible lending principles.

FiinRatings assigned the company its first-time long-term issuer credit rating of A with a stable outlook. FiinRatings recognized Home Credit Vietnam as the most effectively recovered company in the consumer finance industry in 2024. The company achieved a net profit of 1,291 billion VND, an increase of nearly 244% compared to 2023.

The company is honored as one of the Best Companies to Work for in Asia for the fifth consecutive time. Photo: Home Credit

The company is honored as one of the Best Companies to Work for in Asia for the fifth consecutive time. Photo: Home Credit

In addition to effective business operations, Home Credit is also strengthening cooperation with major partners, offering many attractive promotional programs specifically for green products, such as electric vehicles from VinFast and Honda. This collaboration aims to promote green consumer habits in the community.

In recent years, the company has continuously monitored and calculated its carbon footprint based on the ISO14064 standard. Based on monitoring, the company has introduced many initiatives to reduce its carbon footprint: for example, the Home Green internal recycling project and the implementation of an energy sensor system at the office.

Thanks to energy-saving initiatives in the workplace, the report states that in 2024, Home Credit's scope 2 emissions (energy consumption such as electricity and water) were significantly reduced.

The company's 2024 sustainability report. Photo: Home Credit

The company's 2024 sustainability report. Photo: Home Credit

For its efforts in sustainable development, Home Credit has been honored by the Vietnam Chamber of Commerce and Industry (VCCI) among the top 100 sustainable businesses in Vietnam for three consecutive years. The company is also among the top 50 sustainable businesses selected by Investment Bridge magazine. Additionally, the Global CSR & ESG Awards recognized Home Credit as a pioneering company in global sustainable development and social responsibility for the past four years.

Hoang Dan