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According to the Q3 2025 financial report, BAOVIET Bank’s total assets as of September 30, 2025, exceeded VND 89.7 trillion, reflecting stable operational scale and financial capacity.
In credit operations, the bank focused on restructuring its investment portfolio to reduce risk, limiting corporate bond investments while boosting lending in high-growth segments. As a result, customer loan balances grew by 16.54% year-to-date, reaching over VND 55.625 trillion. Retail customers and small-to-medium enterprises (SMEs) remained the key strategic pillars driving this growth.
Simultaneously, deposits increased by 12.34% to VND 66.743 trillion, enabling BAOVIET Bank to maintain a safe loan-to-deposit ratio, ensure robust liquidity, and create growth momentum for the final quarter.
Anticipating market trends, BAOVIET Bank proactively mobilized reasonably priced capital while implementing stringent credit management aligned with its strategic direction.
Consequently, credit activities continued to yield positive results, with net interest income surpassing VND 891 billion.
The trading securities segment also shone, generating profits 2.7 times higher than the same period last year, while investment securities rebounded after a sluggish phase.
By the end of Q3 2025, BAOVIET Bank recorded pre-tax profits of VND 58.6 billion, a remarkable surge compared to the previous year.
Recognizing the critical role of digital transformation in an era where customers prioritize online transactions, BAOVIET Bank has invested heavily in technology, continuously optimizing products, enhancing user interfaces, and improving customer experiences. The bank has also diversified distribution channels and expanded partnerships, particularly within the Bao Viet Group ecosystem.
After nine months, the BAOVIET Smart app gained over 39,000 new users, and Internet Banking added 21,500 new users, surpassing the 2025 annual targets.
These results highlight the strong appeal of digital banking products and validate BAOVIET Bank’s strategic development direction.
Notably, the bank issued nearly 1,900 domestic credit cards, a significant increase year-over-year, achieving 93% of the annual plan. This expansion continues to broaden the customer base and promote cashless payment activities.
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Supporting Customers – Sharing Community Responsibility
Beyond digital transformation, BAOVIET Bank accelerated operational reforms and cost optimization, reducing lending rates to support individuals and businesses recovering from challenging periods.
Recently, the bank launched a VND 600 billion credit incentive program for retail customers, offering short-term loans at just 3% per annum and medium-to-long-term loans at 7% per annum for the first 12 months, catering to housing, vehicle purchases, or production investments.
For SMEs, BAOVIET Bank provided a VND 300 billion credit package with a maximum 0.5% reduction from current interest rates.
Additionally, the bank allocated VND 500 billion to finance construction companies undertaking state-budgeted projects, offering a maximum 0.3% interest rate reduction to help businesses cut capital costs, improve cash flow, and expand investment opportunities.
Alongside business activities, BAOVIET Bank demonstrated its social responsibility by donating over VND 400 million to the Fund for Disaster Recovery following typhoons No. 9, 10, and 11, which caused severe damage in northern and north-central provinces.
The achievements in the first nine months of 2025 demonstrate that BAOVIET Bank is on the right track, effectively combining safe credit growth, robust digital transformation, and sustainable development. This reinforces its role as a modern retail bank within the Bao Viet Group ecosystem.
Services
– 14:40 20/10/2025
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