Our Capabilities/Transformation Stories

PTI — FROM VND 380 BILLION ACCUMULATED LOSS TO A SUSTAINABLE INSURANCE PLATFORM

When IPA Group acquired PTI, it was a 26-year-old enterprise burdened with a VND 380 billion accumulated loss. No single solution could spark such a transformation — it was the right resonance of all three capabilities.

The Right Technology — The Right Operations
1. IPA SOLUTION

The Right Technology — The Right Operations

Digitalizing Internal Operations: A complete redesign of every process — not just digitizing the old ways.

  • Digitalizing Internal Operations: A complete redesign of every process — not just digitizing the old ways.
  • PTIcare Platform: Transitioning the insurance experience to a digital platform, seamlessly connecting a smart medical network.
The Right Positioning in the Value Chain
2. IPA LIVING

The Right Positioning in the Value Chain

Repositioning PTI: Re-anchoring PTI as the "Peaceful Living" (Sống An) platform within the IPA Living ecosystem — no longer a standalone entity.

  • Repositioning PTI: Re-anchoring PTI as the "Peaceful Living" (Song An) platform within the IPA Living ecosystem — no longer a standalone entity.
  • Dstation: Integrating PTI into physical touchpoints — real markets, real communities.
The Right Governance — Capital with Purpose
3. IPA MANAGEMENT

The Right Governance — Capital with Purpose

Restructuring Governance: Rebuilding the Board of Directors, Board of Supervisors, and Audit Committee according to international standards.

  • Restructuring Governance: Rebuilding the Board of Directors, Board of Supervisors, and Audit Committee according to international standards.
  • Strategic Capital Allocation: Providing capital at the right stages — focused on building a foundation, not just a "rescue."

RESULTS · 3 YEARS OF PARTNERSHIP

Capability Resonance — Beyond Simple Addition

After 3 years, the accumulated losses have been fully resolved. PTI is now an insurance enterprise that is growing, not just recovering.

26 YEARS

The company's age when IPA Group stepped in.

380 BILLION VND

The initial accumulated loss.

SUSTAINABLE GROWTH

After 3 years — beyond mere recovery.

"Whichever door you enter through, IPA Group will accompany you from there — and lead you to places you never thought you could reach."

IPA Group · Capability Bank Philosophy