According to published documents, in 2025, Eximbank aims for a consolidated pre-tax profit of VND 5,188 billion, a VND 1,000 billion increase, or 23.8% higher than the performance in 2024. Along with this, the bank targets total assets of VND 265,500 billion, a 10.7% increase; capital mobilization of VND 206,000 billion, a 15.5% rise; and credit balance of VND 195,500 billion, a 16.2% growth. The ratio of non-performing loans to credit balance is expected to decrease by 0.54% to 1.99%.
In the previous year, Eximbank concluded 2024 with robust growth, achieving and surpassing its set targets. The pre-tax profit reached VND 4,188 billion, a 54% increase compared to 2023. Total assets, capital mobilization, and credit balance also exceeded their respective annual plans, with credit growth at Eximbank reaching 19.7% year-over-year (equivalent to VND 27,706 billion), the highest growth rate in the past five years. International payments, insurance, cards, and remittances all witnessed expansion compared to 2023, while the average CASA scale grew by 24.8%.
Eximbank achieved record profits in 2024, its 35th anniversary.
Eximbank’s credit growth strategy closely followed the State Bank of Vietnam’s (SBV) orientations and directives on providing credit capital to the economy and supporting customers in overcoming difficulties. Credit quality was tightly controlled from the appraisal and approval stages to the monitoring of customers’ capital usage, resulting in an 0.18% reduction in non-performing loans compared to the end of 2023.
In 2024, Eximbank received approval from the SBV to increase its charter capital to VND 18,688 billion. This significant step strengthened Eximbank’s financial position, expanded its operational scale, and enhanced its capacity to meet international capital safety standards.
For 2025, Eximbank is oriented towards sustainable, safe, and efficient growth in scale and performance. The bank aims to improve its net interest margin by focusing on retail and SME banking, leveraging the ecosystem of large corporate and FDI customers, and increasing non-term deposits (CASA) and low-cost capital sources from economic organizations and individuals.
Simultaneously, Eximbank will closely monitor market dynamics to seize opportunities for growth in medium and long-term capital sources to meet business development needs. Credit growth will be coupled with operational safety, tight control over non-performing loan generation, and the refinement of a centralized loan handling model. Notably, comprehensive digital transformation and digital banking remain crucial strategies for Eximbank to achieve these goals.
The upcoming 2025 Annual General Meeting of Shareholders is expected to discuss and approve the reports of the Board of Directors and the Supervisory Board, the audited separate and consolidated financial statements for 2024, and the profit distribution plan. The meeting will also deliberate on the 2025 business plan and other matters within the competence of the General Meeting.
According to the published documents, at this year’s General Meeting, Eximbank’s shareholders will elect members of the Board of Directors and the Supervisory Board for the new term of 2025–2030. They will also approve the Board of Directors’ proposal on regulating the ratio of foreign shareholders’ ownership and amending and supplementing Eximbank’s Articles of Association. Additionally, the General Meeting will approve the Board of Directors’ proposal to terminate the project to construct Eximbank’s head office at 07 Le Thi Hong Gam, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City, and discuss other significant matters.
The General Meeting will be held on April 29, 2025, in Hanoi, Vietnam, in a physical format.
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