# Sacombank

Sacombank is a Bank / Wealth / Trust based in Ho Chi Minh City, Vietnam.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Ho Chi Minh City, Vietnam
- **Region:** Asia
- **Address:** Ho Chi Minh City, Vietnam
- **Founded:** 1991
- **Assets under management:** Undisclosed
- **Website:** sacombank.com.vn
- **LinkedIn:** https://www.linkedin.com/company/sacombank
- **Wikidata:** Q6123772

## Regulatory record

- **Reports private funds:** No

## About

Sacombank opened in 1991 in Ho Chi Minh City as a Vietnamese commercial bank focusing on retail and rural credit, then grew into a multi-service financial institution. The bank now covers retail banking, mobile payments, lending, insurance, and asset management for individuals and corporates, and operates across-the-border branches in Laos and Cambodia. Through its digital arm, Sacombank Pay — a 2025 Sao Khuê five-star-rated super-app — the bank distributes savings, lending, and insurance products alongside payment and eKYC account opening. Beyond product distribution, Sacombank manages assets for its client base and provides corporate treasury and business-lending solutions under its “Giải pháp Kinh doanh Tài Lộc” program. Its deployment spans Vietnamese retail and SME segments plus a smaller cross-border footprint in Indochina. Confirmed operational capabilities include Apple Pay integration for Sacombank cardholders. Sacombank has been recognized in the Top 10 ESG Banks in Vietnam (ESG 10) and the Top 50 Sustainable Businesses (CSA) for 2025, and maintains a multi-year run in the Top 10 Banks for Innovation and Business Efficiency (VIE 10). In 2025, the bank was also named a Top 10 ESG Bank in Vietnam and a Top 50 Sustainable Business by local publications. Its branch network extends to Laos and Cambodia, though total staff count is undisclosed. The bank combines a legacy retail deposit franchise with a fast-follower digital banking posture, positioning its super-app as both a distribution channel and a data moat. Unlike a single-family office or pure asset manager, Sacombank operates as a regulated bank that internalizes wealth management within a deposit-gathering institution — a structure that ties its investment capacity to the balance-sheet and regulatory cycles of Vietnam's banking sector.

## Sectors

- Financial Services
- Digital Banking

## Offices

- Laos
- Cambodia

## Questions

### What is Sacombank's core business?

Sacombank is a Vietnamese commercial bank offering retail banking, digital payments, lending, insurance, and asset management. It serves individuals and corporates through branches in Vietnam, Laos, and Cambodia, plus its Sacombank Pay super-app.

### Does Sacombank manage third-party assets or operate a dedicated wealth management unit?

Sacombank provides asset management services as part of its broader retail and corporate banking platform, but it does not publicly separate or disclose AUM for a standalone wealth management or family-office division.

### How does Sacombank's cross-border presence in Laos and Cambodia affect its investment scope?

The branches in Laos and Cambodia allow Sacombank to serve corporates and individuals in those markets, primarily to facilitate trade finance, deposits, and lending tied to Vietnam-Indochina business flows. There is no disclosed dedicated cross-border investment fund structure.

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Last updated: 2026-06-03T20:00:00.000Z

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