As of September 30, 2025, BVBank has achieved a total asset scale of VND 122.6 trillion, marking an 18% increase compared to the end of 2024 and fulfilling its annual plan. This success underscores the bank’s effective retail model and adaptability in a challenging business environment.
By the end of Q3/2025, BVBank’s credit balance reached nearly VND 78 trillion, a 14.1% rise since the beginning of the year. This growth ensures capital supply and economic development, aligning with the government and the State Bank of Vietnam’s (SBV) directives. Notably, the bank’s flexible credit expansion strategy, targeting individual customers, small businesses, and micro-enterprises, has positively impacted retail credit. Focused sectors include production, trade, supply chains, and retail, effectively channeling capital into the economy. Asset quality has also improved significantly, with a notable reduction in non-performing loans.
In terms of capital mobilization, BVBank’s total scale reached VND 113 trillion, up 23% year-on-year and 18.4% since the year’s start. Customer deposits from individuals and organizations alone increased by 24%, totaling nearly VND 92.8 trillion. Long-term capital mobilization (12 months or more) accounted for 73%, ensuring liquidity and supporting credit growth in Q4/2025.
Enhanced Operational Efficiency: 79% of Annual Profit Target Achieved
In Q3/2025, BVBank significantly improved operational efficiency, balancing growth, profitability, and quality.
Total operating income reached nearly VND 850 billion, a 24% quarterly increase. Net interest income contributed VND 717 billion (85%). Non-interest income was a highlight, with service fees doubling and foreign exchange earnings tripling year-on-year, diversifying revenue streams and reducing reliance on traditional credit.
BVBank also intensified debt recovery and non-performing loan management, increasing overdue interest collection and reducing provisioning pressure. In Q3/2025, Group 5 debt recovery rose 68% compared to the first half of 2025.
These efforts resulted in pre-tax profits of VND 343 billion in Q3/2025, with a nine-month total of VND 437 billion—a 1.4x year-on-year increase and 79% of the annual target. This demonstrates BVBank’s resilience and strategic management amid market volatility.
Driving Digital Transformation for Enhanced Operational Profitability.
Alongside expanding its physical presence to 126 transaction points across 22 provinces, BVBank is accelerating digital transformation to enhance customer experience. The bank is investing in its digital ecosystem, particularly the Digimi digital banking platform and the Digistore sales-finance management platform, both key drivers of service revenue growth.
Digimi, an all-in-one digital bank for individuals, offers credit card issuance, unsecured loans, savings, 24/7 transfers, QR payments, investments, and smart expense management. Compared to Q3/2024, Digimi transactions increased by 71%, and digital channel capital mobilization grew by 103%.
Digistore, a sales management platform for small businesses, provides access to capital, cash flow management, e-invoicing, and cashless payments. It achieved a threefold increase in users, an eightfold rise in sales, and a 2.4x increase in CASA compared to Q2/2025.
By personalizing user experiences and ensuring multi-layered security, BVBank’s digital ecosystem has become a key driver in expanding customer reach and profit margins. It also contributes to the financial sector’s digital transformation, aligning with the government and SBV’s vision for comprehensive financial inclusion by 2030.
