BAOVIET Bank: Positive Credit Growth in the First Nine Months

According to the Q3 2025 financial report, BAOVIET Bank’s total assets as of September 30, 2025, exceeded 89.7 trillion VND, 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 55.625 trillion VND. Individual customers and small and medium-sized enterprises (SMEs) remained the key strategic pillars driving this growth.

Simultaneously, capital mobilization increased by 12.34%, reaching 66.743 trillion VND, 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 secured reasonably priced capital sources while implementing stringent credit management aligned with its strategic direction.

Consequently, credit activities continued to yield positive results, with net interest income surpassing 891 billion VND.

The trading securities segment also shone, generating profits 2.7 times higher than the same period last year, while investment securities trading rebounded after a sluggish phase.

By the end of Q3 2025, BAOVIET Bank recorded pre-tax profits of 58.6 billion VND, a remarkable surge compared to the same period last year.

Recognizing the pivotal role of digital transformation in an era where customers prioritize online transactions, BAOVIET Bank has invested heavily in technology, continuously optimizing products and services, 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 target.

These results highlight the strong appeal of digital banking products and affirm the bank’s correct development strategy.

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.

Supporting Customers – Sharing Community Responsibilities

Beyond digital transformation, BAOVIET Bank accelerated operational reforms and cost optimization, reducing lending rates to support individuals and businesses in recovering from challenging periods.

Recently, the bank launched a 600 billion VND credit incentive program for individual 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 300 billion VND credit package with a maximum 0.5% reduction compared to current interest rates.

Additionally, the bank allocated 500 billion VND to finance construction companies for state-budgeted projects and tenders, 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 400 million VND to the Fund for Overcoming Flood and Storm Consequences 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.