Established since November 2007, Vietnam Credit Information Joint Stock Company – PCB was determined to become the first world-class credit bureau in Vietnam.  PCB was formed by 11 commercial banks in Vietnam. The founding members cooperate with other financial institutions and government institutions to establish and operate the credit bureau.

With the support and advice of International Finance Corporation (IFC), PCB officially selected CRIF – the leading provider of credit information solutions in Europe – as its strategic partner. CRIF started the cooperation with PCB by delivering the Credit Bureau platform and covering the role of strategic partner. Increasingly CRIF became more and more involved on the daily management and also grew in terms of shareholder participation. Both CRIF and PCB demonstrated a top level approach to the market by “doing what has been promised” at any stage shared with prospects and ultimately with clients.

On 25/02/2013, the State Bank of Vietnam officially granted PCB the Certificate of Eligibility for Credit Information Operation. In only 3 years, PCB has already become the leading Credit Management Service Provider in Vietnam.

Up to present, PCB provides Credit Report, Credit Bureau Scoring and Portfolio Management services to the market.


PCB credit report includes 2 main parts of information: Borrower Information and Borrower credit information. PCB provides creditors full-fledged credit reports that they are interested in during the process of assessing borrower. Analyzing credit risk and credit-worthiness of borrower is divided into several steps, and each type of information can be used to achieve specific purposes.


A credit bureau scoring system is a credit risk assessment tool which analyzes and summarizes all the historical files for each consumer or small business that is reported to the credit bureau. Given the evolutionary process of a credit bureau, CRIF together with PCB has designed a path to integrate the credit bureau with the credit bureau scoring system depending on data and market maturity.


This group of solution includes 2 products:

Portfolio Advisor: The system will give notices when the borrower’s credit information reported changes such as: request a new loan to other credit institution, be granted a new loan by other credit institution, or changing in group of debt in other credit institution.

Portfolio Explorer: Banks/ credit institutions can use this product to inquiry borrower information via batch, on a given frequency (monthly/ quarterly and so on so forth). The whole portfolio or a part of it can be put under monitoring. The outcome can be synthetic (summary block) or detailed (comprehensive report). l

Vietnam Credit Information Joint Stock Company
Suit 1303B, Vietcombank Tower,
198 Tran Quang Kai Str,
Hoan Kiem Dist,
Hanoi, Vietnam