ANNUAL REPORT 2024BLI
03

TOGETHER WE GROW

Together we nurture value

SUSTAINABLE DEVELOPMENT REPORT

Corporate governance
towards sustainable development

2024 CONTINUED TO BE A CHALLENGING YEAR OF GLOBAL ECONOMY DUE TO IMPACTS OF ECONOMIC CRISIS, WARS AND A DECLINE IN INVESTOR CONFIDENCE. IN THAT CONTEXT, NON-LIFE INSURANCE INDUSTRY IN VIETNAM FACED PRESSURES OF FIERCE COMPETITION REQUIRING TECHNOLOGICAL INNOVATION, RISK MANAGEMENT OPTIMIZATION AD IMPROVEMENT OF CUSTOMER EXPERIENCE.

Marking the 29th anniversary in 2024 and the 30th anniversary in 2025, Bao Long continues to enhance business performance through adjusting its business model towards flexibility, cost optimization and improvement of service quality. On the foundation of 5-year plan, Bao Long continues completing corporate governance system according to international standards, complying with regulations of the Laws of Vietnam, strengthening application of digital technology into management and operating process. The Company also focuses on promoting management transparency, improving internal control efficiency and optimizing operating process to protect the rights of Shareholders, Customers and Employees.

As a highly-experienced non-life insurance company, Bao Long commits to building a professional and sustainable working environment, creating favorable conditions for employees to develop their professional skills, increasing remuneration policies to boost motivation and productivity. With a high determination and consensus of all officers and employees, Bao Long aims to not only improve its position in the insurance market but also bring practical values to the community and the economy.

BUILDING SUSTAINABLE RELATIONSHIP WITH STAKEHOLDERS

Bao Long always commits to strictly complying with regulations of the Laws, proactively adapting to changes in financial policy and insurance to ensure operational transparency and sustainability.

In the context of economic recovery and development in 2024 with policy adjustments to promote growth, Bao Long proactively coordinates with management agencies to contribute opinions, participate in specialized seminars, update new policies and timely transfer important changes to customers and partners.

2024, Bao Long continued focusing on building brand prestige and sustainable trust with investors, shareholders:

Promoting effective development, increasing asset value:

  • Deploying good corporate practices to improve business performance.
  • Preserving and increasing asset value, including tangible assets and intangible assets of the Company, creating Shareholder value.

Establishing communication channels and open dialogue:

Building and maintaining effective communication channels for easy access by Investors and Shareholders. Strengthening continuous, transparent dialogue with stakeholders to promptly and effectively convey strategies that create value for Investors and Shareholders.

Strengthening transparency in financial information:

Strengthening transparency in financial data and business performance to provide accurate information to Investors and Shareholders. Maximizing shareholder value and benefits.

Bao Long is dedicated to delivering the most suitable products to customers promptly through its diverse distribution channels, including Bancassurance, brokerage, and Mobilassurance. The Company has implemented efficient, accurate, and convenient compensation services. Additionally, Bao Long continuously enhances its customer care network and 24/7 call center. With insurance as its core business, Bao Long prioritizes swift resolution of post-loss support services to ensure optimal customer benefits. The Company has successfully established and operationalized a vertical appraisal system and consistently reviews and refines its appraisal and compensation processes to streamline administrative procedures and meet growing customer demands.

At Bao Long, ‘human is a priceless asset”. Bao Long provides an attractive salary, benefit policy, creates a united and competitive work environment for employees to uphold their capabilities, effectively contributing to business performance of the Company. Bao Long commits ensuring full implementation of salary, bonus and welfare policies for employees according to provisions of Labor Code and other regulations of the State, and building a healthy work environment and corporate culture.

Furthermore, with new policies and its 5-year financial plan goals, Bao Long focuses on developing highly-skilled HR through internal activities to create a brand culture, highly-professional and well-behaved team.

FOR STATE MANAGEMENT AGENCIES

FOR SHAREHOLDERS, INVESTORS

BAO LONG CONTINUES FOCUSING ON BUILDING SHAREHOLDER, INVESTOR RELATIONSHIPS BASED ON TRUST, PRESTIGE AND ENSURING OPTIMAL VALUES AND BENEFITS.

FOR CUSTOMERS

WITH A MOTTO OF “COMPANION - SHARING”, BAO LONG CONTINUOUSLY PROMOTE INNOVATION TO BRING THE BEST CUSTOMER SERVICES.

FOR EMPLOYEES

“HUMAN IS A PRICELESS ASSET”, EFFECTIVELY CONTRIBUTING TO BUSINESS PERFORMANCE OF BAO LONG.

CORPORATE ENVIRONMENTAL RESPONSIBILITY

IN THE CONTEXT OF RISING CLIMATE CHANGE AND ENVIRONMENTAL POLLUTION, NON-LIFE INSURANCE BUSINESS ACTIVITIES OF BAO LONG CAUSES LESS ENVIRONMENTAL IMPACT. HOWEVER, DURING THE 30 YEARS OF OPERATION, BAO LONG ALWAYS ENSURES THAT ITS BUSINESS ACTIVITIES CAUSE NO NEGATIVE IMPACT ON ENVIRONMENT AND NATURAL RESOURCE, ESPECIALLY ITS OPERATIONAL ACTIVITIES: ORDER AND SECURITY, TECHNICAL SYSTEM MAINTENANCE, FACILITY MAINTENANCE, WASTE COLLECTION MANAGEMENT, AMBIENT AIR QUALITY MONITORING. THIS IS AN IMPORTANT RESPONSIBILITY, DUTY AND FACTOR IN SUSTAINABLE DEVELOPMENT IN BUILDING A PEACEFUL AND PROSPEROUS COMMUNITY.

ENERGY SAVING

Energy and energy saving are always top priorities. Bao Long deploys electricity, water economic policies, energy-efficient smart devices to minimize emissions and electricity related accidents.

Energy Efficiency solutions:

  • Implementing periodic equipment and machinery maintenance.
  • Maintaining temperature of 25-27°C, maintaining temperature balance inside and outside air-conditioned space, etc.
  • Turning off all air-conditioning system after 5 PM, unplugging electrical appliances when not in use after work.
  • Replacing the low-efficiency lighting systems (incandescent bulbs, fluorescent lamps with iron-magnetic ballasts, etc.) by energy-efficiency lighting systems (compact fluorescent lamps, electronic ballasts, etc.).
  • Installing auto on off switch for outdoor lighting system (depending on timing and outdoor brightness, etc.).
SOLID WASTE

Solid waste is mainly generated from office activities of employees. The components of solid waste include printing paper, dead ballpoint pen, stationery, cardboard, fruit peels, etc.

Solutions:

  • Installing trash bin on each floor of the building to collect types of waste.
  • On daily basis, cleaning staff of the Company collect waste at office, sweeping hallways, parking lot and other areas inside and around the building.
  • At the end of the workday, the cleaning staff will collect all the trash from the bins on each floor and transport it to the designated waste collection point in accordance with local government regulations.

Solutions to environmental impact reduction:

  • Using communication as a tool to raise awareness of employees in printing documents to reduce paper waste in the office.
  • Reusing stationery with origin from resource exploitation including: using single-sided paper to print reference documents, reusing pens and used plastic stationery, etc.
GAS EMISSIONS

Gas emissions is mainly generated from transport means and operating machinery system:

  • Transport means of customers.
  • Transport means participating on road traffic.
  • The increase in air-pollution level can lead to health impacts of employees.

Solutions and technical treatment process:

  • Placing indoor potted plants to prevent dust in the air.
  • Turning off vehicle engine when entering the Company.
  • Arranging a parking lot for customers with guidance.
  • Cleaning the building area on daily basis, preventing dust exposure on respiratory system.
  • Installing ventilation fans at basement parking area to ensure better air circulation.
  • Regularly cleaning and carrying out machinery maintenance (air conditioners, ventilation system, etc.).

Solutions to environmental impact mitigation:

Arranging green trees in offices to protect employees’ health.

UTILIZING INFORMATION TECHNOLOGIES AND SOCIAL MEDIA

In order to meet the demand and trend of digital insurance and bring utilities to customers, Bao Long has built IT system as follows:

Megamind Core Non-Insurance System:

  • API-based sales subsystem: API system accelerates automation process and connection with partners, creating favorable conditions for sales and quick customer services.
  • Officially operating motor vehicle, human, asset - engineering, liability and reinsurance products: meeting demands of personal insurance, customer health and asset protection. Completing and optimizing profession process and improving management efficiency to bring customer satisfaction.
  • Integrating online payment & information searching: supporting customers to search and carry out their transactions in a convenient and quick manner.

Future plan:

  • Implementing Phase 2,3: cargo - ship: continuously expanding and completing insurance products to meeting diverse market demand.
  • Implementing “Bao Tam An, Nha Tu Nhan” (Bao Long Peace of Mind, Private Home) product: expanding product portfolio to meet diverse insurance needs of customers.
  • Connecting API with partners, completing expenditure and revenue management system: strengthening cooperation with partners, optimizing expenditure and revenue process and enhancing customer experience.