MB Reports Pre-Tax Profit of Over 23,000 Billion VND in 9 Months
MB’s consolidated pre-tax profit in Q3/2025 reached 7,250 billion VND, down 0.8% year-on-year. The main reason was a 132% increase in provisioning costs to 3,801 billion VND, despite a 23.5% growth in net profit from business activities.
In the first 9 months, MB’s consolidated pre-tax profit reached 23,139 billion VND, up 11.6% year-on-year. With this profit, MB temporarily ranks second (after Techcombank) among the 13 banks that have announced 9-month profits as of October 26.
Previously, in the first 6 months of 2025, MB had the fourth-highest profit in the system (after Vietcombank, VietinBank, and BIDV).
As of September 30, 2025, MB’s total assets exceeded 1.3 million billion VND, up 17.7% from the beginning of the year. Customer loans increased by 19.9% to 931,498 billion VND. Customer deposits rose by 10.3% to 788,030 billion VND.
MB’s bad debt at the end of September was over 17,400 billion VND, up 38.4% from the beginning of the year. Consequently, the bad debt ratio increased from 1.62% to 1.87%.
ABBank’s Profit Nearly 10 Times Higher Than Last Year
ABBank has just announced its Q3/2025 financial report with consolidated pre-tax profit reaching over 2,300 billion VND, 9.7 times higher than last year and completing 128% of the 2025 profit plan. In Q3 alone, the bank’s pre-tax profit was over 646 billion VND, a strong improvement from the loss of over 343 billion VND in the same period in 2024.
By the end of Q3/2025, ABBank’s total assets reached 204,576 billion VND, up 15.8% compared to the end of 2024; customer loans reached 107,573 billion VND, up 9%; customer deposits were at 118,712 billion VND, up nearly 31% in the first 9 months.
ACB Reports Pre-Tax Profit of 16,072 Billion VND
ACB’s pre-tax profit in the first 9 months of 2025 reached 16,072 billion VND, up 4.8% year-on-year. In Q3/2025 alone, the bank’s pre-tax profit was 5,382 billion VND, up 11%.
Many of ACB’s business segments grew strongly, particularly in foreign exchange trading. Net profit from foreign exchange trading in the first 9 months reached 1,595 billion VND, up 93% year-on-year.
As of September 30, 2025, ACB’s total assets reached 948,549 billion VND, up 9.8% from the beginning of the year. Customer loans reached 669,188 billion VND, up 15.2%. Mobilized customer deposits reached 571,029 billion VND, up 6.3%.
Techcombank Reports Pre-Tax Profit of 23,400 Billion VND
In the first 9 months of 2025, Techcombank’s pre-tax profit reached 23,400 billion VND, up 2.4% year-on-year. In Q3/2025, pre-tax profit reached 8,300 billion VND, up 14.4%, the highest quarterly pre-tax profit ever for the bank.
As of September 30, 2025, Techcombank’s total assets exceeded 1.13 million billion VND. Credit growth was stable at 16.8% compared to the beginning of the year.
In terms of capital mobilization, customer deposits at Techcombank at the end of September reached 638,500 billion VND, up 24.1% from the beginning of the year. The CASA ratio (demand deposits + automatic savings) reached 42.5%, among the highest in the industry.
Techcombank continues to maintain strong asset quality, with the NPL ratio improving from 1.32% to 1.23%. The NPL coverage ratio (LLC) reached 119.1%, marking the 8th consecutive quarter above 100%.
SHB’s Profit Increases by 36%
Saigon-Hanoi Commercial Bank (SHB) has just announced its 9-month business results for 2025 with pre-tax profit reaching 12,307 billion VND, up 36% year-on-year and achieving 85% of the annual plan.
As of September 30, 2025, SHB’s total assets reached 852,695 billion VND, up 14% compared to the end of 2024. Credit balance reached nearly 616,600 billion VND, up 15% from the beginning of the year.
All capital adequacy ratios are better than SBV regulations and international standards, with CAR above 12%, significantly higher than the minimum 8% required by Circular 41/2016/TT-NHNN.
LPBank Reports Profit of Over 9,600 Billion VND
LPBank has just announced its 9-month financial report for 2025 with accumulated pre-tax profit reaching 9,612 billion VND, up 9% year-on-year. The main driver was Q3, with pre-tax profit reaching 3,448 billion VND, up 15.3% from the previous quarter and 18.9% year-on-year.
As of September 30, 2025, LPBank’s total assets reached 539,149 billion VND, up 18.3% year-on-year and over 6% from the beginning of the year. Credit balance reached 387,898 billion VND, up 17% from the beginning of the year. Mobilized capital reached 389,638 billion VND, up 15% since the beginning of the year.
PGBank’s 9-Month Profit Increases by 44%
PGBank recently announced its 9-month business results for 2025 with pre-tax profit reaching nearly 497 billion VND, up 44% year-on-year.
As of September 30, 2025, PGBank’s total assets reached nearly 79,838 billion VND, up 9.3% compared to the end of 2024. Customer loans reached 44,349 billion VND, up 7.5%. The bad debt ratio under Circular 31 was 2.84%.
Customer deposits reached 44,375 billion VND, up 2.4%, while deposits from other credit institutions and bond issuance increased strongly.
BAOVIET Bank Reports Surging Profit
In the first 9 months of 2025, BAOVIET Bank recorded pre-tax profit of 58.6 billion VND, up 81% year-on-year.
As of September 30, 2025, BAOVIET Bank’s total assets exceeded 89,700 billion VND. Customer loans increased by 16.54% from the beginning of the year to over 55,625 billion VND. Mobilized capital increased by 12.34% to 66,743 billion VND.
Kienlongbank’s Highest Profit in History
According to the consolidated financial report, KienlongBank’s pre-tax profit in the first 9 months reached 1,537 billion VND, double that of last year and completing 112% of the annual plan, marking the highest profit in 30 years of operation.
With these results, KienlongBank aims to achieve 150% of its 2025 profit plan.
After 9 months, KienlongBank’s total assets reached 97,716 billion VND, mobilized capital reached 87,491 billion VND, and credit balance reached 70,922 billion VND – increasing by over 5,500, 7,300, and 9,400 billion VND respectively from the beginning of the year.
In terms of asset quality, KienlongBank maintains a bad debt ratio below 2%, with NPL coverage exceeding 80% for three consecutive quarters.
NCB Exceeds All 2025 Business Targets
According to National Citizen Bank (NCB), the bank continued to record positive business activities in Q3/2025 with after-tax profit estimated at nearly 190 billion VND. Accumulated after-tax profit in the first 9 months of 2025 is estimated at over 652 billion VND. These business results have significantly improved from the loss of over 65 billion VND in Q3/2024 and 59 billion VND in the first 9 months of 2024.
Compared to the 2025 plan, NCB has officially reached and exceeded its business targets after just 9 months. Total assets as of September 30, 2025, are estimated at over 154,100 billion VND, up 30% from the end of 2024 and exceeding the plan by 14%; mobilized capital (excluding bond issuance) is estimated at nearly 119,326 billion VND, and customer loans are estimated at over 94,956 billion VND, increasing by 24% and 33% respectively from the end of 2024 and exceeding the 2025 plan by 1% and 3% respectively.
VPBank Reports 20,400 Billion VND Profit After 3 Quarters
Vietnam Prosperity Joint Stock Commercial Bank (VPBank) has just announced its 9-month business results with consolidated pre-tax profit reaching 20,396 billion VND, 47.1% higher than last year. In Q3/2025 alone, profit reached 9,166 billion VND, up 76.7% and the highest in the last 15 quarters. Accumulated profit in 9 months has exceeded the 2024 results and completed 81% of the 2025 plan.
By the end of 9 months in 2025, VPBank’s consolidated total assets exceeded the plan set at the Shareholders’ Meeting, reaching 1.18 million billion VND, up 27.5% from the beginning of the year; separate total assets exceeded 1.1 million billion VND.
VPBank’s consolidated credit balance reached nearly 912,000 billion VND, up 28.4% thanks to contributions from both the parent bank and subsidiaries. Separate credit balance was 813,000 billion VND.
As of the end of Q3/2025, the consolidated NPL ratio under Circular 31 was tightly controlled, falling below 3%; separate NPL continued to improve, at 2.23%.
VietABank’s 9-Month Profit Increases by 32%
Vietnam Asia Commercial Joint Stock Bank (VietABank) has just announced its Q3/2025 consolidated financial report with pre-tax profit reaching 336 billion VND, up 46% year-on-year. Accumulated pre-tax profit in the first 9 months of 2025 reached 1,050 billion VND, up 32% year-on-year.
As of September 30, 2025, the bank’s consolidated total assets reached 134,614 billion VND, up 12.3% from the beginning of the year. Customer loans reached 85,811 billion VND, up 8.4%. Customer deposits reached 97,984 billion VND, up 8.5% from the beginning of the year.
Nam A Bank’s Total Assets Increase by 50%
Nam A Commercial Joint Stock Bank (Nam A Bank) has also announced its 9-month business results with pre-tax profit reaching over 3,800 billion VND, up nearly 520 billion VND year-on-year (equivalent to 16%) and completing 77% of the annual plan. Total assets as of the end of September 2025 reached over 377,000 billion VND, up over 132,000 billion VND from the beginning of the year.
Deposits from organizations and individuals increased by over 35,000 billion VND, equivalent to over 20% from the beginning of 2025. Credit balance increased by over 30,000 billion VND, equivalent to over 17.88% from the beginning of 2025, while the bond investment portfolio increased by nearly 14,000 billion VND.
The bad debt ratio was 2.53% (before CIC) and 2.73% after CIC, decreasing from 2.85% as of June 30, 2025. Meanwhile, the NPL coverage ratio (LLR) increased strongly from 39% as of June 30, 2025, to nearly 46% as of September 30, 2025. The liquidity reserve ratio reached nearly 20%, double the minimum level required by the SBV.
Q3/2025 Financial Report Update on October 26: Numerous Companies Double Their Growth
An Gia (AGG) reported a pre-tax profit of VND 143 billion in Q3, a remarkable 235% surge compared to the same period last year. For the first nine months, the cumulative pre-tax profit reached VND 267 billion, reflecting a 24% decrease year-on-year.
Bank Profit Update Morning of October 25: Lender Reports 10x Profit Surge Year-on-Year, Customer Deposits Jump Over 30%
By October 24th, 12 banks had announced their profit results for the first nine months of the year. Notably, several banks reported a significant surge in profits, surpassing their annual targets set for 2025.
Q3/2025 Financial Report Deadline October 24: Duc Giang Records Pre-Tax Profit of Over 900 Billion VND, Real Estate Company’s Q3 Profit Plummets by 94%
Apatit Phosphate (PAT) reported pre-tax profits of VND 116 billion in Q3, a 64% increase, and VND 296 billion for the first nine months, up 53%. Vinh Phuc Infrastructure (IDV) announced Q3 pre-tax profits of VND 92 billion, a 128% surge, and cumulative nine-month profits of VND 157 billion, a 2% rise.
Largest Private Bank in the System Announces Significant Salary Increase for Employees
As of the end of September, this bank employs 27,696 personnel across its entire system. On average, each employee earns a monthly income of 31.33 million VND, marking a 13.6% increase compared to the same period in 2024.
ABBank Surpasses 30% Annual Profit Target in 9 Months, Approved to Increase Capital to VND 13,973 Billion
ABBank (UPCoM: ABB) reported pre-tax profits of over VND 646 billion in Q3/2025, bringing its nine-month total to VND 2,319 billion, surpassing its annual target by 30%. Additionally, the State Bank of Vietnam approved a capital increase of VND 3,622 billion for ABBank.
