150 years moving forward with Foreword

150 years ago in 1870, HSBC opened its first office in I am pleased to present you with this small booklet Saigon, now , to help finance the export that highlights HSBC Vietnam’s remarkable milestones of rice and silk from Vietnam. The Saigon Office was the and our continuing work together with the country, its sixth office that HSBC had opened in Asia. After being people and its corporates. In addition to highlighting our founded in Hong Kong and Shanghai in 1865, the HSBC business in the market, we are also proud to highlight network rapidly developed with offices in Yokohama how we support the country and its local communities in 1866, Calcutta (now Kolkata) in 1867 and Bombay by presenting our Corporate Sustainability strategy in (now Mumbai) in 1869. Vietnam, which focusses on helping those less fortunate, and bringing positive change to the communities we HSBC has been part of the long serve and the lives of the people in Vietnam. through all its ups and its downs. More recently, HSBC has had the privilege of witnessing the country’s From the establishment of our first office in Vietnam evolution into a new economic force in Asia, and more 150 years ago, HSBC’s purpose has never changed. broadly across the world. As a bank with trade finance We work to enable businesses to thrive and thereby assist in our DNA, we are proud to have helped contribute the economy to prosper, with the ultimate objective of to Vietnam’s exciting journey. helping the people of Vietnam to fulfil their hopes and realise their ambitions. We hope to actively contribute Tim Evans Throughout the years, we have been consistent in our to the country’s ongoing development, for another Chief Executive Officer, mission to be a bridge for local companies and individuals 150 years and beyond. HSBC Vietnam who want to either expand overseas, or connect with overseas partners, markets and opportunities. We are also a bridge for international investors who want to explore Vietnam and undertake business here. We too have evolved together with Vietnam, from initially providing simple conventional financial products and services, to now providing the market with sophisticated financial solutions, be they for individual customers or corporate clients.

02 HSBC Vietnam’s vision

To innovate, to empower, to connect.

03 Contents

Foreword 02 HSBC Vietnam’s vision 03 Our history in Vietnam 05 Our products and services 08

¡¡Wholesale Banking 08

¡¡Markets and Securities Services 10

¡¡Wealth and Personal Banking 12 Connecting Vietnam and our customers to the world 15 Supporting our customers 16

¡¡Vingroup 16

¡¡Mobile World Joint Stock Company 16

¡¡Deutsches Haus Ho Chi Minh City 17

¡¡Beijiang Vietnam Textile Co., Ltd (BJV) 17 Our innovation 18 Our contribution to society 20

¡¡Our work for the community 22

¡¡Our Corporate Sustainability projects 23 yyMaker Academy – Let’s innovate 23 yyHSBC Water Programme 24 Awards 26

04 Our history in Vietnam

2020 is the year HSBC Vietnam celebrates 150 years in this exciting and fast-growing economy.

“For 150 years, HSBC’s purpose has never changed. We work to enable businesses to thrive and thereby assist the Vietnamese economy to prosper, with the ultimate objective of helping the people of Vietnam to fulfil their hopes and realise their ambitions. We hope to be here for another 150 years and beyond, actively contributing to the ongoing development of the country.”

Tim Evans Chief Executive Officer, HSBC Vietnam

05

¡¡HSBC opened two new full-service branches in Can Tho and Da Nang. In 1866, The Hongkong and ¡¡HSBC launched Premier, the first globally-linked, Shanghai Banking Corporation comprehensive banking service for mass affluent was represented by agents in HSBC acquired a 10% stake in Bao customers in Vietnam. Premier customers benefited Vietnam, and on 1 April 1870 HSBC opened a full-service Viet Holdings in September 2007. from seamless cross-border banking and could take opened its own office in Saigon branch in the New World Hotel HSBC Vietnam opened a branch The Bank purchased a further 8% their accounts, credit history and banking relationships (now Ho Chi Minh City). in Ho Chi Minh City. in in March 2005. of Bao Viet shares in 2010. with them wherever they choose to live and work. 1870 1995 2005 2007 2010

1884 2000 2006 2008 2011

¡¡HSBC replaced its – and Vietnam’s – first ATM with a In Hai Phong, the Bank was ¡¡HSBC acquired a 10% stake multi-functional ATM, the first of its kind of HSBC in both HSBC Bank plc. signed a Memorandum represented by agents from in the Vietnam Technological Asia and Vietnam. of Understanding on cooperation with 1884, and opened its own and Commercial Joint-stock ¡¡HSBC Vietnam launched its first offsite ATM. Ministry of Finance with the witness of sub-office in the 1920s. Bank (Techcombank). HSBC ¡¡ Mr. Vuong Dinh Hue, Vietnam’s then HSBC was the first HSBC launched its own Credit Card in March 2008, being Finance Minister. raised its stake in the first foreign bank to launch a credit card in Vietnam. foreign custodian Techcombank to 20% in bank to be licensed by August 2008. ¡¡HSBC was the first foreign bank in Vietnam to obtain official the State Securities ¡¡ approval from the to set up a Wholly Commission to operate HSBC signed a Memorandum Foreign Owned Bank in the country. The new entity started in Vietnam’s securities of Understanding of its operation on 1 January 2009. cooperation with Ministry market. HSBC Securities ¡¡ Services has the largest of Finance with the witness of HSBC signed a Memorandum of Understanding with and most diversified Mr. Vu Van Ninh, Vietnam’s Vietnam Post Corporation (VNPOST). VNPOST provides portfolio of leading Finance Minister then. VND Collection and Payment services for HSBC’s customers, increasing HSBC’s total collecting points in global clients spanning ¡¡ HSBC Vietnam won the Best Foreign Bank award from the country to around 20,000. global custodians, FinanceAsia for the first time. In 2020 HSBC Vietnam broker-dealers, private won the award for the 14th time in 15 years. ¡¡HSBC opened its new flagship branch in Hanoi in Pacific banks, investment Place in June 2008. banks, insurance companies and asset managers.

06 ¡¡ In February, HSBC’s Group Chairman Mark Tucker visited Vietnam, confirming HSBC’s long-term commitment to the country in meetings with Vietnam’s leaders. He also witnessed a ceremony in which HSBC Vietnam was awarded the Government’s Emulation Flag and the State Bank of Vietnam’s Certificate of Excellence Labour Collective for its achievement and contribution to the banking sector. ¡¡ HSBC Vietnam executed a live blockchain Letter-of-Credit transaction, the first of its kind in Vietnam. ¡¡ HSBC deployed HSBC Supply Chain Finance on a web-based ¡¡ HSBC launched the Purchasing Managers’ ¡¡ HSBC was the first bank in platform for the first . IndexTM in Vietnam. PMIs are among the Vietnam to launch Touch ID, ¡¡ HSBC launched Vietnam’s first Omni Channel Collections most closely watched surveys in the world enabling corporate clients to use Solution, a dynamic service that supports businesses, and essential data for economic analysts, biometric recognition technology providing multiple payment options on one single platform. financial market players and other decision to access their accounts through makers such as central banks. the HSBCnet Mobile app. ¡¡ HSBC Vietnam introduced its new Mobile ¡¡ HSBC was the first bank in Banking service, making banking even more Vietnam to launch HSBC Evolve, convenient. It enables customers to use an e-FX platform that gives their smartphones to connect quickly and corporate customers easy online securely to their personal banking accounts. access to pricing of FX products. 2012 2 017 2019 Together we thrive

2014 2018 2020

¡¡ HSBC arranged a US$112 million loan with Deutsche Pfandbriefbank AG that ¡¡ HSBC acted as joint book runner for the US$1.35 billion ¡¡ HSBC Vietnam launches a VND12 billion community relief enabled Vietnam Airlines to purchase new aircrafts. The transaction was supported IPO of Vinhomes JSC. This was the largest ever equity programme to assist those parts of society most adversely by Euler Hermes, the global credit insurance company and guaranteed by the offering in Vietnam and HSBC’s first ECM transaction impacted by the Covid-19 pandemic. Ministry of Finance. in Vietnam. ¡¡ HSBC rolled out a green financing for Duy Tan Plastics Recycling, ¡¡ HSBC served as joint bookrunners and dealer managers for the issue of US$1 billion ¡¡ HSBC signed a US$950 million financing package for the first green loan for a local corporate under HSBC Group’s 10-year Global Bonds of the Ministry of Finance, on behalf of the Government. 12 years for VinFast, an automobile and motorcycle commitment of US$100 billion of sustainable finance and This was the first international US$ offering from the Vietnam Government since manufacturing plant established by the Vingroup Joint investment until 2025. January 2010. Stock Company. This was the first and largest ECA ¡¡ HSBC Vietnam became the first foreign bank to issue bonds in ¡¡ Pham Hong Hai was appointed CEO of HSBC Bank (Vietnam) Ltd. He was the first financing deal for a local private company, and opened Vietnam with a total amount of VND600 billion. Named after Vietnamese person to head the operations of HSBC in Vietnam. up new financing windows for other Vietnamese Vietnam’s national flower, the Lotus bond has a tenor of 3 years. companies in the future.

07 Our products and services

Wholesale Banking

HSBC Commercial & Investment Banking, which operates under a Wholesale Banking coverage model, is considered to be the largest and most diversified franchise in Vietnam with approximately 200 employees serving more than 1,100 clients from medium to large local corporates and leading multi-national companies in different industries, including Fast Moving Consumer Goods, Technology, Electronics, Real Estate and Oil and Energy as well as financial institutions, offshore investment funds and banks.

In today’s evolving world, Wholesale Banking continues to invest in building a best-in-class banking platform that leverages its local expertise, product capabilities, global network and various onshore and offshore resources to serve clients. Our teams help connect businesses to opportunities, enabling companies to thrive, grow, and manage risks through the following products and services:

Capital finance We provide direct corporate connectivity also the first bank to introduce OMNI Wholesale Banking lies at the forefront to SWIFT as a single, multi-bank channel Collection Solution that provides businesses of financial market development, offers complemented by HSBC’s proprietary with multiple payment options on one single financial solutions including working capital, state-of-the-art systems, HSBCnet and platform. term loans, investment banking related HSBC Connect, enabling customers to solutions, such as syndicated and club loans, make seamless payments. Global Trade and Receivables Finance project and export finance, corporate bond As one of the largest trade and receivables programmes and issuances, origination and HSBC has also established electronic links financing organisations in the world, HSBC execution of corporate finance, mergers and agreements with major local banks and Global Trade and Receivables Finance and acquisitions assignments. Vietnam Post Corporation in Vietnam to offers a full suite of trade solutions ranging utilise their branch network for the collection from traditional documentation services to Global Liquidity and Cash Management and distribution of cash funds in the country. highly sophisticated tailor-made solutions HSBC’s Global Liquidity and Cash Applying the latest technology and innovative to enterprises of all sizes. These include Management services are designed to banking solutions, HSBC was among the Documentary Credits (DCs), Documentary give businesses greater control over their first banks to use fingerprint and facial Collections, Trade Finance, Supplier Finance cash and collections, and help them manage recognition technology to enable corporate Solutions and structured trade solutions that their liquidity efficiently with our global clients to easily and securely access, view specifically target enterprises engaged in payables, receivables and an array of liquidity and complete transactions on their accounts Commodities. and investment solutions. with the HSBCnet Mobile app. HSBC was

08 ¡¡HSBCnet-ITS (Internet Trade Services): This global electronic banking platform allows Our e-solutions are customers to initiate and complete their designed to help transactions online.

customers manage ¡¡Instant@dvice: HSBC was the first bank in their working capital Vietnam to provide customers with this uniquely convenient means to receive copies of import and via online channels export documents, and loan guarantee transactions on a real-time basis. advices via email, immediately after approval.

¡¡Trade Transaction Tracker: HSBC was the first bank in Vietnam to offer an app-based service to customers that allows them to track their trade transactions via their mobile phones.

¡¡HSBC Supply Chain Finance Platform (HSCF): This digital channel supports customers by offering finance to their strategic suppliers in a convenient and secure manner.

09 Markets and Securities Services

Global Markets HSBC Vietnam was one of the HSBC Group’s Global Markets operates in more than 60 countries and territories and ranks among the largest in the world. In Vietnam, HSBC has one of the largest first banks to offer an electronic dealing rooms with dynamic sales and trading teams providing up-to-date market foreign exchange (FX) transaction intelligence, ideas and timely execution of deals for customers throughout the trading day. Our knowledge of local markets, coupled with HSBC’s global reach, enables us platform to selected corporate to provide comprehensive bespoke service across foreign exchange, fixed income, clients. Using this platform, and risk management advisory services for our corporate and institutional clients. called Evolve, customers can Whether their needs are driven by transactional, hedging or investment strategies, complete their FX transactions in customers can leverage our global footprint, local knowledge and deep expertise various currencies with real-time to gain insights and manage their exposure in a manner best aligned with their objectives. and two-way price information.

10 Securities Services HSBC Securities Services provides services to some of the world’s largest asset managers and owners, banks, broker dealers and corporates.

These services connect our clients and their investors to investment opportunities, making Securities Services an essential part of the infrastructure that supports international capital flows. Our global team of over 9,600 colleagues operates in 37 countries and territories, serving more than 4,000 clients around the world.

In July 2000, HSBC became the first foreign bank in Vietnam to be licensed to provide custody services. Currently, HSBC is the leading custodian bank for foreign institutional investors (FIIs) in Vietnam in terms of the number of Securities Trading Codes, assets under custody, and transaction volumes with approximately 48% market share.

In 2006, HSBC launched its fund administration services in Vietnam to service both close-ended and open-ended funds. The fund services include custody, NAV calculation, supervisory services, and transfer agency services.

11 Wealth and Personal Banking

Wealth and Personal Banking in HSBC Vietnam offers a full range of unique and privileged banking solutions for individuals. These include everyday banking and borrowing products such as credit cards, deposits and savings accounts, home loans, personal instalment loans, and insurance with various features and offers.

During the past decade, the needs of customers have increasingly evolved. Today, many customers are looking for solutions to better secure their own financial futures and those of their loved ones and fulfil their life goals and ambitions.

With this in mind, we tailor our services and offerings to meet these individual needs with our HSBC Premier proposition and HSBC Employees Banking Solution.

12 HSBC Premier is not just a bank account, but holistic proposition to provide customers with a Premier banking experience. It is designed to fulfil each customer’s continually evolving banking needs, from getting the best for their families, to growing wealth internationally, and enjoying exclusive privileges.

HSBC Employees Banking Solution is a tailored programme that offers salaried customers a full suite of everyday banking products and services. With this solution, HSBC provides a one-stop shop with payroll accounts, and exclusive privileges with Cash Back, Platinum credit cards, and preferential rates for personal loans.

Whether customers wish to make normal transfers, pay bills, or purchase products, HSBC makes it convenient and easy for them through internet banking, a mobile app, automated telephone banking (ATB) and the Premier hotline.

13 Photograph courtesy of Nang Dinh (HSBC Vietnam)

14 Connecting Vietnam and our customers to the world

Over the last decade, Vietnam has been Every year, we organise different thought Securities Depository to organise workshops one of the fastest growing economies in Asia leadership events in Vietnam. These aim on different topics ranging from anti-bribery and the world, with annual GDP growth of to provide expert analysis and insights and corruption, to financial crime risk and over 6%. One of the biggest drivers of this of the macro economy, the banking and compliance, and supply chain finance and success story has been the robust inflow of finance industry for our clients and foreign blockchain. foreign direct investment (FDI). The FDI sector investors. Our annual flagship event ‘Step accounts for more than 70% of Vietnam’s into the Future’ has become one of the most Our extensive international footprint and export turnover, generating millions of jobs anticipated events in the calendar for FDIs access to faster-growing and dynamic and contributing significantly to the country’s operating in Vietnam. markets enable us to connect customers rate of innovation and modernisation which, to opportunities around the world. With in turn, has boosted the economy’s growth. We also play an active role in the Banking a presence in almost all major trade and Working Group (a group of foreign banks in investment partners of the country, HSBC During our 150 years in Vietnam, HSBC the Vietnam Business Forum), sharing best Vietnam is often the first contact point for is proud to have made unceasing efforts practices from different markets around the foreign investors who want to do business to continuously promote the country as world and offering our expertise to support in Vietnam, and for Vietnam’s large a destination of investment to our global the State Bank of Vietnam in policy making corporations when they want to expand clients and potential investors. We have held and industry building. We worked alongside overseas. We offer an integrated universal ‘Vietnam Roadshows’ in the US, the UK with the Ministry of Finance in the sovereign platform to support clients, and we continue and Hong Kong. We also held Vietnam Day, bond issuance of Vietnam’s Government in to invest in enhancing our digital capabilities different seminars and workshops in Korea 2014 and continue to cooperate with them to serve them more effectively. and Taiwan. The HSBC team has also actively in developing an efficient capital market participated in foreign investment forums in for the country. We also partnered with the Singapore, China and Malaysia. State Securities Committee and Vietnam’s

15 Supporting our customers

Vingroup is the largest listed private company in Vietnam. The Vingroup bases its strategies on the principles of sustainability and professional management to operate in three major business segments: Industrials, Technology, Real Estate and Social Services.

The Vingroup’s relationship with HSBC started in 2018 when they set up VinFast. In two years since the relationship was established, HSBC has successfully closed nine major transactions across a multi-product spectrum including a US$575 million syndicated term loan facility for Vingroup and VinFast in 2020. This was HSBC’s third syndicated loan mandate for Vingroup following the successful closing of a 5-year US$400 million syndicated loan in June 2018, and a 12-year Euler Hermes-covered US$950 million syndicated ECA facility that closed in January 2019.

These transactions further enhanced Vingroup’s track record of pioneering international capital market transactions and again demonstrated the added value of HSBC’s structuring, origination and syndication capabilities which helped the client to execute the transaction within a very short time.

Mobile World Joint Stock Company is a subsidiary under Mobile World Investment Corporation (the Group), the largest retailer in Vietnam with over 2,000 stores covering all provinces across the country. The Group’s revenue reached US$4.3 billion for financial year 2019. The company dominates the mobile phone segment with 48% market share and the consumer electronics segment with 38% market share. HSBC Vietnam provided a comprehensive global facility package to Mobile World, including an onshore and offshore loan of US$160 million to support Mobile World’s growth. The transaction is the first offshore deal booked in HSBC Singapore from HSBC Vietnam. The deal marked a milestone in promoting Vietnam private entities to international and developed markets, helping them tap into new sources of financing.

16 Deutsches Haus Ho Chi Minh City is a landmark Grade A office tower that is home to a number of world-class, multi-national corporate tenants. It is the first truly sustainable premium building in Vietnam, and one of the few in Asia that has received both the LEED Platinum and the DGNB Gold certificates for energy efficiency, plus numerous other accolades.

In 2016, it won the South East Asia Property Award for the Best Green Development. In 2017 it won the MIPIM Asia Awards for the Best Office Building in Asia.

HSBC provided a US$85 million onshore/offshore, non-recourse loan to refinance the Deutsches Haus. This was an unprecedented funding structure that required an endorsement from the State Bank of Vietnam. The transaction was a glowing tribute to our client-led Commercial Real Estate strategy to finance high-profile, stabilised commercial assets in the country.

Beijiang Vietnam Textile Co., Ltd (BJV), is a subsidiary of Prosperity International Corporation Limited and has been the top manufacturer of denim fabrics in China for 25 years.

HSBC China is the company’s principal bank in China. When the company expanded to Vietnam and set up BJV in 2016, HSBC Vietnam helped it open accounts, service investment flows, and conduct local and overseas payments and forex transactions via HSBCnet. HSBC Vietnam supported the company’s CAPEX with two significant term loans in two phases: Phase 1 from 2016 to 2018, and Phase 2 from 2018 to 2019.

17 Our innovation

We have launched a digital credit card especially retailers, in accessing multiple payment application platform for our personal banking options quickly and easily on a single platform. customers, and we currently lead the market It can be used for both offline and online in customer digital journeys. We also provide a payments, via e-Commerce and m-Commerce comprehensive suite of mobile and contactless channels. payments, including Samsung Pay and contactless cards that provide a frictionless Our HSBCnet platform has been designed to payment experience. offer corporate and institutional clients with real time connectivity to enhance transaction Meanwhile, our HSBC Mobile Banking (Mobile X) management and reconciliation processes. app allows our customers to complete banking The Enhanced Treasury Solution Liquidity transactions wherever they are, stay in control of Management Portal and Cash Flow Forecasting their finances easily, and check their balances or on HSBCnet enables better visibility of cash transfer money with biometric security features balances (at multiple banks) and offers efficient such as Face ID and Touch ID. cash flow forecasting to manage business effectively as well as access to enhanced On the corporate front, we continually invest in analytics and self-service tools. the development of new technologies and digital solutions that enable customers to conduct We have also leveraged advanced technologies, banking transactions 24/7 with their buyers, such as API, AI, Blockchain and Biometrics, suppliers, employees, partners and regulators to introduce new and compelling digital in real-time in a seamless and secured manner. propositions such as Corporate and Treasury In recent years, massive technological advancements have APIs, Mobile Authentication, Blockchain for transformed how people live, how they do business, and how The year 2020 has ushered in a new decade LC issuance, Realtime payments/collections, customers interact with banks. At HSBC, we constantly strive of challenges and opportunities that will only and Track Payments to meet all of our clients’ to address the evolving needs of our clients in an increasingly increase the need for, and consumption of digital evolving requirements, and ultimately shape inter-connected world. HSBC’s digital and innovation focus tools in all areas of financial transactions for a new way of banking in Vietnam. corporates and institutions. is to create a digital banking experience that is simpler, faster and better for our customers, and help connect them to more As a pioneer of digitalisation, we are proud to be opportunities, while keeping them safe and secure in a the first foreign bank in Vietnam to launch Omni fast-moving, digitalised economy. Channel Collection that supports businesses, and

18 19 Our contribution to society

At HSBC, Corporate Sustainability has always been a crucial part of our business. We have always been fully committed to supporting disadvantaged communities with our sustainable activities. Every year, HSBC commits to donate around 0.5% of our pre-tax profits to charitable causes.

20 Since its foundation in 1865, HSBC has adapted to and helped serve the needs of a changing world. We have financed economic growth, fostered international trade and overcome events such as economic crises. We also recognise our wider commitment to the communities in which we operate and understand that economic growth must also be sustainable.

Today our sustainability approach focuses businesses, other banks and financial on three main areas: sustainable finance, institutions, charities, NGOs and community sustainable supply chains, and employability groups – as well as our own employees. We and financial capability. will continue to adjust and set policies that change in line with science and technology We have set out a series of commitments and the expectations of society. to contribute to the global transition to a low-carbon economy. We have also pledged We also recognise our responsibility to long-term support to help people access contribute to the United Nations Sustainable education and training so they can acquire Development Goals (SDGs). The SDGs are a the skills they need to succeed in today’s globally agreed framework with 17 goals and workplace. And through our partnerships with 169 targets to help protect the planet, end customers, non-governmental organisations poverty and ensure peace and prosperity (NGOs) and other key stakeholders, we are by 2030. encouraging responsible business in global supply chains.

As we work to achieve our goals, we will continue to engage with our stakeholders including governments, policymakers,

21 Our work for the community

HSBC has been working with international non-governmental organisations (NGO) on world-scale projects. We also collaborate with local NGOs to develop in-country projects to address specific local needs.

There are no boundary in terms of geography for our sustainable development activities. Our volunteers have set their footprint in 40 of Vietnam’s 63 provinces, benefiting and changing millions of people’s lives.

Every year, over 10,000 volunteering hours are contributed by 500 volunteers, in which 1,000 hours are contributed by senior management members. In total, our volunteer hours are equivalent to around 10 hours per full-time employee a year.

22 Our Corporate Sustainability projects

Maker Academy – Let’s innovate Orphans in Vietnam face an uncertain future after leaving orphanages. Most orphans either drop out of high school or end up leaving the orphanage for labor-intensive jobs that offer few opportunities to sustain their financial needs and overcome the cycle of poverty they are otherwise locked into.

Since 2017, HSBC Vietnam has partnered with Kidspire organisation to develop a STEAM (Science, Technology, Engineering, Arts and Math) focused learning programme to help these children get prepared for their young adult lives and find success. Under this project, over 150 HSBC volunteers have been trained to deliver 300 STEAM sessions to 500 orphans in Vietnam.

23 HSBC Water Programme

HSBC has been a WWF (World Wide Fund for Nature) partner on a global scale for more than 17 years. In Vietnam, WWF Vietnam and the HSBC Water Programme have come together to work on a multiyear freshwater partnership. The project contributes to WWF Vietnam’s national conservation strategy while also seeking to increase the impact of the HSBC Water Programme which has benefited more than 2.5 million people in total across five major river basins around the world.

The mutual community-based freshwater conservation efforts focus on protecting the ecosystem to support ecotourism development and the improvement of local community livelihoods. In Tram Chim National Park and in the Vu Gia Thu Bon River Basin, the project contributed to improve river basin conditions by getting communities in key freshwater landscapes to engage in freshwater conservation through education, citizen science and improved management.

24 The project framework engaged 350 HSBC staff volunteers who ensured the delivery of transformed water management and an increased capacity for communities in need.

In 2018-2019, the partnership ensured 300 households benefitted from improved business and tourism practices, while 8,200 teachers and students benefitted from the environmental education programme.

25 Awards

Best syndicated loan in Vietnam 2018 Best Foreign Commercial Bank in Best Bank for Domestic Cash Management by the Asset Triple A for VinFast Trade and Vietnam 2006-2012, 2014-2020 for Corporates in Vietnam 2010-2019 Production US$400 million syndicated term by FinanceAsia by Euromoney loan facility

Best Digital Banking Initiative 2020 Best Bank for Overall Service for Certificate of Merit for Best Performer by Asian Banking and Finance Retail Corporates in Vietnam 2019 in depository activities 2018 by Vietnam Banking Awards by Euromoney Securities Depository

Certificate of Merit for Excellent Labour Best Bank in Treasury and Working Leadership in Credit Card Collective 2018 by the Governor of State Capital (MNCs/LLCs) in Vietnam in 2020 Payment Volume 2011-2019 Bank of Vietnam for the Bank’s excellence by the Asset Triple A by Visa International in completing 2017 business targets

Emulation Flag 2018 by the Vietnamese Best Transaction Bank and Cash Leadership in Operational Excellence 2019 Government for the Bank’s achievements Management Bank in Vietnam in 2020 by Visa International and contribution to the country’s banking by the Asset Triple A sector in 2017

Certificate of Merit from HCMC Police Market Leader for Trade Finance in Vietnam Best Trade Finance Bank in Vietnam 2018 Department 2018 recognising HSBC in the Euromoney Trade Finance Survey 2020 by Euromoney Trade Finance Survey Vietnam’s excellence in the fight against financial crime

Best Loan Advisor in Vietnam 2018-2019 Best IPO by FinanceAsia 2018 for Vinhomes by the Asset Triple A US$1.349 billion Initial Equity Offering

Best Global Corporate and Institutional Best IPO in Vietnam 2018 by the Asset Bank in Vietnam 2017 and 2019 Triple A for Vinhomes US$1.349 billion IPO by the Asset Triple A

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