Vietnam Maritime Commercial Joint Stock Bank “Handshakes” with CITICS GROUP: Join energy to promote digitalization and transparency of real estate credit

On February 3, 2026, Vietnam Maritime Commercial Joint Stock Bank (Vietnam Maritime Commercial Joint Stock Bank) and Cititics Group Joint Stock Company officially held a strategic cooperation signing ceremony, marking a new development step in the companionship between one of the leading joint stock commercial banks and a pioneering enterprise in the field of real estate technology (PropTech) in Vietnam.

1. An important milestone in the cooperation journey between Vietnam Maritime Commercial Joint Stock Bank and Cititics Group

Representatives from Vietnam Maritime Commercial Joint Stock Bank and Cititics at the signing ceremony

The strategic signing event is a strong affirmation of the common vision between the two parties in applying technology to digitize and transparent customer experience in the real estate credit sector.

The cooperation agreement opens a new path of development, where the financial and banking strength of Vietnam Maritime Commercial Joint Stock Bank is combined with Cititics’ real estate technology platform, aiming to build a modern financial – real estate ecosystem, bringing fast, safe and seamless solutions to individual customers and the market.

Speaking at the ceremony, representatives of Vietnam Maritime Commercial Joint Stock Bank and Cititics both emphasized the importance of bringing technology into the entire loan journey, from valuation, appraisal to disbursement, and affirmed their commitment to long-term companionship to bring practical values to customers and contribute to promoting the sustainable development of Vietnam’s financial – real estate market.

The cooperation signing ceremony between Vietnam Maritime Commercial Joint Stock Bank and Cititics is not only an important milestone, but also the beginning of a journey of strategic companionship, where the two businesses share the same desire to innovate and create a digital future for the finance – real estate industry.

2. Connecting the power of finance – banking and real estate technology to bring value to customers

Over the past years, Vietnam Maritime Commercial Joint Stock Bank has continuously promoted the application of technology and process automation to shorten document processing time, improve transparency and bring a convenient experience to customers. In particular, in the field of home loans, Vietnam Maritime Commercial Joint Stock Bank has implemented an automatic approval process, helping to process up to 70% of documents in a short time, affirming its pioneering role in retail credit.

On the contrary, Citis is a comprehensive real estate technology ecosystem, based on data and AI, providing solutions from valuation, mortgage loans, to real estate sales, contributing to creating a transparent, modern and sustainable market. Cititics currently owns the leading real estate data warehouse in Vietnam, with more than 33 million digitized real estate properties in 38 provinces and cities (old administrative units), continuously updated and standardized from many data sources.

Through this cooperation, real estate mortgage customers at Vietnam Maritime Commercial Joint Stock Bank will directly benefit from a fully digitized and optimized credit process. Integrating Citis’ technology solutions helps shorten valuation, appraisal and document processing time, while improving the transparency and accuracy of asset information. Thanks to that, customers can access capital more quickly, reduce procedures, feel more secure during the loan process and proactively seize opportunities to settle or invest in real estate.

3. New phase cooperation roadmap

MSB cooperates with Cititics to optimize the experience of real estate mortgage customers

According to the strategic cooperation agreement, Vietnam Maritime Commercial Joint Stock Bank and Cititics will focus on expanding deep cooperation for Cititics Mortgages solution, and gradually move towards API integration in the first quarter of 2026 to seamlessly connect the banking system and Cititics’ technology platform. At the same time, the two sides will apply data-based risk management solutions, improve transparency, control the quality of collateral and standardize business processes. On this digital platform, customer experience is expected to continue to improve through shortening application processing time, increasing consistency and efficiency throughout the entire mortgage lending value chain

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