1PROFILE
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3TABLE OF CONTENTWelcome letter�������������������������������������������������������������������������������4About LOTTE Finance�������������������������������������������������� 5Capacity of LOTTE Finance �������������������������������������8History of Development ������������������������������������������������������������11Key Business Activities���������������������������������������������������������������12Partner/Typical customers�����������������������������������������������������24Partners talk About us ��������������������������������������������������������������25Communications & Community Activities����������������������27Our social responsibility�������������������������������������������27The Press talks about LOTTE Finance �������� 28,29
4 General Drictor LOTTE FinanceMr. Kong Sung SikWELCOMELETTERWith the slogan “For Wealth, For Value”, LOTTE Finance aspires to become a friendly service provider and strategic partner that brings good values to the community. The ultimate goal of LOTTE Finance is to become a leading financial services company, loved and trusted by all partners and customers.irst of all, I would like to send you the most respectful greetings and thanks. I wishyou and our customers good health, success, and prosperity. LOTTE Vietnam FinanceCompany Limited is a 100% owned subsidiary of LOTTE Card – One of the leadingfinancial service providers in South Korea. LOTTE Finance entered the Vietnamesemarket in March 2018, proving LOTTE Card’s commitment to strategic and sustainableinvestment in Vietnam.With the slogan “For Wealth, For Value”, LOTTE Finance aspires to become a friendly serviceprovider and strategic partner that brings good values to the community. The ultimate goal ofLOTTE Finance is to become a leading financial services company, loved and trusted by all partnersand customers.The advanced credit management technology of South Korea and the long-standing experiencein the financial services industry inherited from the parent company - LOTTE Card, form a solidfoundation for our continuous innovations with the desire to provide unique financial productexperiences suitable for the lifestyle of Vietnamese people.With a commitment to putting customers at the center, LOTTE Finance will strive to become atrusted partner, contributing to enhancing the quality of life for its customers. LOTTE Finance alsohopes to contribute its expertise to the development of Vietnam in areas such as card and mobilepayment, fintech, big data, as well as digital platform-based business.Additionally, social responsibility is the first priority of LOTTE Finance’s performance. As an activemember in Vietnam’s market, LOTTE Finance always strives to be at the forefront of transparentand ethical activities, contributing to providing prestigious financial products and services to thecustomers, contributing to repelling black credit in Vietnam market. LOTTE Finance’s commitmentis to make constant efforts to increase values, bring prosperity to customers, as well as to makethe journey of cooperation with LOTTE Finance and our partners, customers and employees alwaysfilled with of joy and happiness.F““
5ABOUTLOTTE FINANCEIn 2017, LOTTE Card signed a Share Purchase Agreement acquiring a100% stake from the subsidiary Techcom Finance from Techcombank -one of Vietnam’s major banks. Therefore, the company business licenseunder the name of LOTTE Finance Vietnam Co., ltd (LOTTE Finance) wasapproved by the State Bank of Vietnam in September 2018, listing LOTTECard as the first Korean credit card company licensed to operate inVietnam.03 main offices in Hanoi và Ho Chi Minh CityLOTTE Center Hanoi Housinco Hanoi Golden Plaza HCMCMore than 5.000Staff and sale coordinators34 SIPs 4 field sales regionswiththroughout VietnamAbbreviated company name: LOTTE FinanceCompany’s name: LOTTE FINANCE VIETNAM COMPANY LIMITEDTax code: 01031728040243337007marketing-finance@lottefinance.vnlottefinance.vn
6 LOTTE CARDEstablished in 2002, LOTTE CARD KOREA(LOCA) is a credit card issuing financialcompany that owns the largest retail andservice network in Korea.Customers can enjoy “incentives and points”when making payments with credit cardsat the Group’s ecosystem including servicessuch as shopping centers, supermarkets,home shopping, cinemas, coffee...LOTTE Finance is a 100% foreign investedcompany from LOTTE CARD.
7Strategic Thinking- Pursues sustainable growth and market judges and actsin view of strengthening competitiveness.- Responds flexibly to the preparation and change for the future.Creativity- Leads the future changing trends with creative ideaand flexible responses.- Develops dierentiated products and serviceswith independent perspectives and ideas.Challenging Spirit- Pursues new attempts continuouslywith ambition and passion.- Puts a great eort for constant self-developmentto become the best.Trust and CooperationTrust and Cooperation- Establishes the trust among customers, fellow workers,and partnership companies to create a relationship of companion.- Promotes a close cooperation to create a mutual synergyas a marketing hub of the group.Action Oriented- Acts dominantly and actively to accomplish the goaland implements decisively.
8 CAPACITY OFLOTTE FINANCEFINANCIAL CAPACITYWith a strong financial potential, backed by 100% investment from LOTTE Card - the parent company from South Korea, LOTTE Finance asserts its position in the financial industry with services/products developed based on customer understanding, combined with modern technology platforms such as Fintech and Big Data.LEADERSHIP CAPACITY The leadership team of LOTTE Finance not only has the capacity, strategic vision, and management experience, but also possesses many good ethical qualities and standards.HUMAN RESOURCE CAPACITYLOTTE Finance gathers a team of experienced, knowledgeable, and competent personnel. Led by highly skilled advisors with extensive expertise from South Korea, the team undergoes continuous training and development to meet the stringent demands of the market and ensure job quality.AI
9MISSIONVISIONThe ultimate goal of LOTTE Finance is to become a leading financial services company, loved and trusted by all partners and customers.With its extensive experience in the financial industry and advanced credit management technology, LOTTE Finance aims to provide unique financial product experiences that cater to the Vietnamese lifestyle.
SIP Thai NguyenSIP Hai PhongSIP HanoiSIP Bac NinhSIP Vinh PhucSIP Hanoi SpecialSIP Thanh HoaSIP Hai DuongSIP Nam DinhSIP Nghe AnSIP Da NangSIP Da Nang 2SIP Khanh HoaSIP Quang NamSIP Quang NgaiSIP Binh DinhSIP HueSIP Quang TriSIP Phu YenSIP Binh DuongSIP Binh Duong 2SIP Dong NaiSIP Tay NinhSIP Thu DucSIP Phu ThoSIP Long AnSIP Vung TauSIP Tan BinhSIP Ho Chi MinhSIP Can ThoSIP An GiangSIP Dong ThapSIP Ca MauSIP Kien GiangNORTH REGION CENTRAL REGION SOUTH REGION WEST REGIONGolden Plaza OceHousinco OceHead Quarters10 TRANSACTION POINTS ANDBRANCHESOF LOTTE FINANCE IN VIETNAM
Deal approved by State Bank of Vietnamfor LOTTE Finance(Date of incorporation).The first Korean Credit Card Companyto operate in VietnamLaunched LOTTE FINANCE VISA CREDIT CARD(Classic & Platinum)Strongly develop Car Loanwith the MyCar by LOTTE Finance brand.Oering a diverse rangeof financial products to caterto a broad customer base.M&A 100% ofTechcombank FinanceLaunch ofLotte VietMerchant Creditunsecured loan package.Launch of Mortgage Loan real estatesecured loan package.Strategic cooperationwith ZaloPay develop BNPL serviceLaunched duo credit card THE LOTTELaunchedCash Loan productThe ocial launch “BUY NOW, PAY LATER” servicein collaborationwith the e-commerce platform TikiLaunched 03 credit cardLOTTE Finance VISA forLady – Man - Young202420252023October20222021June201924th, April201819th, September20186th, March201818th, December11HISTORY OF DEVELOPMENT
12 MAIN BUSINESSACTIVITIESCASH LOANCAR LOANCREDIT CARDBUY NOW PAY LATERDURABLE LOANMORTGAGE LOAN REALESTATE
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CASH LOAN15Customers contact the Hotline1900-633070 or leave informationon the website, appLOTTE Finance to receive freeconsultation.1.LOAN APPLICATIONAfter being advised by LOTTEFinance sta about the product, customers choose the appropriate loan amount and submit their application either directly or online.2.SUBMITLOAN APPLICATIONBased on the documentationprovided by the customer,LOTTE Finance will evaluateand send the approval results to thecustomer3.EVALUATION& APPROVAL After signing the loan contract,customers receive money directlythrough their bank account or attransaction points from LOTTEFinance partners like VNPost,Vietinbank.....4.RECEIVE DISBURSEMENTLOAN REGISTRATION PROCESSLoan approval up to500 million VNDTransparent procedures,quick disbursementLoan term up to60 monthsCompetitive interest rate startingfrom 0.65%/monthOUTSTANDING ADVANTAGES
CREDIT CARD16Co-branded The LOTTE Premium LOTTEDepartment StoreThe LOTTE/The LOTTE YOUNGLOTTE MartReward points and cashbackLady Man YoungVISA Classic VISA PlatinumPreferential cash withdrawal and InstallmentL.CARDInstallment Card
17Discounts & benefits for cardholders with partners of diverse fields:medical, beauty, F&B, tourism…Why should you choose LOTTE Finance?Simple card opening profileBrowsing time is quickRefund/No annual feeInterest free up to 45 daysInstallment payment with 0% interest rateContactless card payment (Contactless)Secure online shopping (3D Security)*From time to time or according to promotional programsFree withdrawal/Card issuance/Closing fees
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20BUY NOW PAY LATERAdvantagesof Paylater:Simple and fast procedure.Reduce financial pressure:Instant shopping.One-time loan registrationfor multiple years.One-time loan registration tobuy at many places.No annual fee: Paylater doesnot charge an annual feeand SM Sfee.Paylater is a consumer loan product for Buy-Now-Pay-Later services offered by LOTTE Finance. Under this product, LOTTE Finance provides customers with a credit limit to make payments for goods and services on e-commerce platforms and e-wallets linked with LOTTE Finance. Customers can take out loans for each purchase to buy goods and services or pay for utilities on applications linked with LOTTE Finance, such as Tiki and ZaloPay.Partner Paylater:*Theo từng thời điểm hoặc theo chương trình khuyến mại
21DURABLE LOANDurable loan with competitive installment paymentconditions applied to partners network of householddevices, education (mainly languages, IT programing,graphics design training centers).Approve loan up to 100 million VND0% interest; 0% feeApprove within 20 minutesFUTURENEXTSTEP JOURNEY TO*Theo từng thời điểm hoặc theo chương trình khuyến mại
22LOTTE Finance’s installment loan products for medical equipment are directly linked to reputable medical brands. In addition to personal loans, LOTTE Finance also supports loans to buy medical equipment for clinics and businesses with preferential interest rates.Approve loan up to 5 billion VNDMaximum loan period 48monthsInterest rates only from 0%/yearINSTALLMENT LOANSMEDICAL*Theo từng thời điểm hoặc theo chương trình khuyến mạiDURABLE LOAN22
23MORTGAGE LOAN REAL ESTATE
24EducationFinance - BankingFintechMedicalElectronic technologyOthers Apps/E-commerceLOTTE GroupPARTNER/TYPICAL CUSTOMERSPartner of ours come from various fields to meet all financial needsof customers across the country.
25Tiki: LOTTE Finance is a responsible partner with transparent operations and highly credible financial capabilities.Showtime: As a major cafe chain in Hanoi, we are delighted to partner with LOTTE Finance. We are ready to support and share benefits within the ecosystem to aim for the best and happiest customer experiences.Ocean Edu: Many of our students have completed their courses with the financial assistance from LOTTE Finance.With a 0% installment support policy, this is the biggest leverage helping them gain additional resources to continue their future steps and enhance their knowledge.PARTNER TESTIMONIALSABOUT US
26CLIENTTALK ABOUT USMs. Thu Huyen – 30 years oldHanoiMs. Binh Nguyen – 45 years oldBac NinhMr. Kha - 35 years oldTour guideIn a conversation with friends, Huyen shared that after graduating and startingher job, she had allocated her income into certain proportions for contingency issues. However, she never saw her savings increase as each month, in addition to living expenses, there were many unexpected costs such as: wedding gifts, friends’ birthdays; socializing with colleagues, and other shopping expenses.With the rising cost of living, managing daily expenses and spending has becomemore challenging. Then, one of her friendsintroduced her to the super preferential consumer loan package from LOTTE Finance, where she received advice on suitable financial terms that helped easeher pressure.“The consumer loan package from LOTTEFinance has many benefits, with interest rates starting from just 10% per year and aloan term of up to 60 months, and it doesn’t require any collateral and has quick procedures too. I no longer worry about not seeing my money grow anymore.”When her child fell ill and needed hospitalization, Ms. Binh had not yet received her salary. Fortunately, she had acash withdrawal card from LOTTE Finance,which allowed her to cover the hospital expenses with peace of mind.A few days after her child was discharged,Ms. Binh called us and said, “I’m so glad I had your card. If I had known how convenient it was, I would have gotten theL.Card financial contingency card from LOTTE Finance a long time ago!”Mr. Kha (35 years old, a tour guide living in Hanoi) when asked about his experience after receiving a consumer loan from LOTTE Finance, shared: “For me, the primary criteria when choosing financial products are transparency, quick processing, and attractive limits. Using the services of LOTTE Finance, I received very enthusiastic advice and guidance on the registration process, which helped me immediately address my financial needs.”
27COMMUNITY ACTIVITIES& OUR SOCIAL RESPONSIBILITYCOMMUNITY ACTIVITIES& OUR SOCIAL RESPONSIBILITIESGIVING GIFT TO STUDENTS OF BAC SON KINDERGARTEN,VAN SON COMMUNE, PHU THO PROVINCE 2025, OCTOBERGIVING GIFTS TO THE CHILDREN’SVILLAGE SOS VIETNAM: 2023, JULYGIVING GIFT TO FAMILIES IN DIFFICULT CIRCUMSTANCES,VINH TUY WARD, HANOI 2025,AUGUSTDONATING FUNDING FOR PROGRAM OPERATION HEALTHY HEART
28THE PRESS TALK ABOUT LOTTE FINANCECOMMUNITY ACTIVITIES& OUR SOCIAL RESPONSIBILITYLOTTE Finance targets the segmentof goverment officerLOTTE Finance offers many incentives and increases loan limits for customers who are civil servants, public employees, or workers receiving salaries from the state budget.Launch of a dedicated credit card line for long-term car rental servicesThis is part of the cooperation agreement between LOTTE Finance and LOTTE Rental. Both parties will implement an exclusive credit evaluation model to analyze customer credit profiles. Additionally, LOTTE Finance offers specialized and optimized financial products for long-term car rental services, such as paying rental fees using credit cards. Share Your Love: When love and compassionbecome journeys of charityThe Family Day - Share Your Love project originated from an internal event held by LOTTE Finance on Vietnamese Family Day, June 28. Starting as a company entertainment activity, the event organizers transformed it into a major project that spreads positive messages about sharing and kindness to the community, connecting business operations with social responsibility.
29THE PRESS TALK ABOUT LOTTE FINANCECOMMUNITY ACTIVITIES& OUR SOCIAL RESPONSIBILITYLOTTE Finance, Alliex, and VNPT EPAY expand innovative credit products.This partnership agreement not only demonstrates a longterm commitment but also promises to bring significant added value to all three parties, especially in enhancing customer experience when using each party’s products and services. It is also an important step forward in developing and shaping domestic financial solutions.VinFast and 12 banks offer preferential loan interest rates for electric car purchases.The cooperation agreement was signed by VinFast and 12 banks and financial institutions: Vietcombank, VietinBank, BIDV, MB, Techcombank, VPBank, HDBank, Sacombank, TPBank, MSB, Lotte Finance, and Shinhan Finance. These organizations are actively promoting green capital for sustainable development.LOTTE Finance launches a real estate mortgage loan package, making the dream of settling down a reality for Vietnamese customers.Amid the positive growth trend in the real estate market and vibrant consumer demand in the final months of the year, LOTTE Finance officially introduces the Mortgage Loan package to provide financial resources for customers who aspire to own real estate, build or renovate houses, or purchase household goods for daily living.
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31Head Quarters:Floor 12A West Lake, Lotte Center Hanoi, No. 54 Lieu Giai, Giang Vo Ward, Hanoi City, Vietnam.Call Center (CS-local): 1900 6866Call Center (CS-International): +84 247 302 0202Sale Hotline: 1900 633070Customer Service:From Monday to Friday 7:00 AM to 10:00 PMSaturday, Sunday, holidays/Tết: 8:00 AM to 10:00 PM.Customer reception and Complaint handling Department: Floor 3, Housinco Premium Tower, No.300 Nguyen Xien, Thanh Liet Ward, Hanoi, Vietnam.
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