In Q3 alone, Vietcombank’s net interest income surged by 8% year-on-year, reaching over VND 14,657 billion.
Non-interest income streams showed mixed performance. Fee income declined by 26% to VND 938 billion, while foreign exchange gains dipped by 5% to VND 1,280 billion.
Meanwhile, trading securities generated a profit of VND 106 billion, nearly tripling the previous year’s figure. Other operating income soared by 68% to nearly VND 932 billion. Investment income from capital contributions and share purchases reached nearly VND 139 billion, 2.8 times higher than the same period last year.
During the quarter, the bank effectively managed operating expenses, which rose by only 4% to VND 6,037 billion. Consequently, net profit from operations increased by 9% to VND 12,015 billion.
Despite setting aside VND 776 billion for credit risk provisions in Q3, 2.3 times higher than the previous year, Vietcombank still achieved a 5% growth in pre-tax profit, reaching VND 11,239 billion.
For the first nine months of the year, Vietcombank’s pre-tax profit totaled nearly VND 33,133 billion, a 5% increase compared to the same period last year, primarily due to a 30% reduction in credit risk provisions (VND 2,337 billion).
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Q3 and 9M 2025 Business Results of VCB. Unit: Billion VND
Source: VietstockFinance
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As of the end of Q3, Vietcombank’s total assets reached nearly VND 2,380 trillion, a 14% increase from the beginning of the year. Customer loans and deposits stood at nearly VND 1,630 trillion and VND 1,610 trillion, respectively, growing by 12% and 6% compared to the year’s start.
As of September 30, 2025, Vietcombank’s total non-performing loans amounted to VND 16,847 billion, a 21% increase from the beginning of the year. The NPL ratio slightly rose from 0.96% at the start of the year to 1.03%.
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Loan Quality of VCB as of September 30, 2025. Unit: Billion VND
Source: VietstockFinance
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– 7:58 PM, October 30, 2025
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