With a mission to connect the two economies between Vietnam and Laos , formerly Viet Lao joint-venture bank used to target to the bussiness and ndividuals engaged in production big business clients. Currently , LaoVietBank is also promoting the development of banking services targeting individual customers with retail banking services such as savings , payments, consumer loans , credit cards , debit cards. In addition, the system also enhance the cross-selling of other products and services to satisfy the maximum benefit of customers as well as optimize profits.

In recent years, the retail banking activities of LaoVietBank has played a very important role in the business strategy to develop towards modernization activities, which gradually asserted its position, brand and reputation in Laos market. Retail segment of the units had a positive change and contribute effectively to the income structure of the entire system. The number of personal credit loans have impressively growing with multiple product categories such as mortgage lending, housing repairs for a period of 5 years; Unsecured consumer lending (loans salary overdrafts); Car Loans for consumption and production to serve the needs of business; Student loans; Mortgage lending valuable papers. Till 2015 Residential capital mobilization accounts for 60% of total resources mobilized at site. Card services grew 250% in the last 3 years for various types such as local debit card, card association, My avatar card. Also, LaoVietBank has been providing a variety of retail products and services such as payroll, money transfers domestically and internationally, LSMS, DirectBanking, BankPlus, billing, ...

On the other hand, Laovietbank is one of the leading banks in theLao market in applying information technology to diversify the types of services and products, so with LaoVietBank, customers especially individual customers will  not only receive the simple transaction procedures, satisfy the demand for deposits, loans, payments, transfer money, but also get many increasing benefits through data processing based on modern core banking. So different from retail operations in other banks, LaoVietBank always preferred to use the lowest charge service, highest return on deposit and loan interest payment at the most affordable rates. Moreover, with nearly 50 offices across the ATM system, LaoVietBank allows performing teller transactions, money transfer, bill payment, the most favorable way in all major commercial centers in Laos. LaoVietBank ATM bank card is the only bank card allowing cardholders at more than 28 banks in Vietnam connected Banknet can withdraw Lao kip. And vice versa LaoVietBank cardholders can totally withdraw VND at more than 28 bank ATMs connected Banknet in Vietnam.

Retail banking activity has brought a stable and sustainable income, contributed an important role in the expanding customers, expanded market share , improved competitiveness for LaoVietBank; also providing customers with diverse , convenient , cost reduction banking products and services, contributing to the success of the customer in choosing LaoVietBank as companion with criterion : a bridge of success .

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