2025 Q3 Bank Performance Update: More Lenders Surpass VND 10 Trillion Pre-Tax Profit by October 29

Sacombank Reports Pre-Tax Profit of Nearly VND 11 Trillion

On the evening of October 29, Sacombank announced its Q3/2025 financial report with a pre-tax profit of VND 3,657 billion, up 33% year-on-year. Accumulated in the first 9 months, the bank’s pre-tax profit reached VND 10,988 billion, a 36% increase.

By the end of September 2025, Sacombank’s total assets reached VND 848,942 billion, up 13.5%. Customer loans increased by 12.4% in 9 months to VND 606,048 billion. Customer deposits rose by 13.1% to VND 641,102 billion.

VIB: 9-Month Pre-Tax Profit Up 7% Year-on-Year

International Bank (VIB) announced its 9-month 2025 business results with a pre-tax profit of over VND 7,040 billion, a 7% increase compared to the same period in 2024. Credit growth and mobilization grew by 15% and 11%, respectively.

As of September 30, 2025, VIB’s total assets exceeded VND 543,000 billion, up 10% from the beginning of the year.

OCB: Q3/2025 Profit Triples Year-on-Year

Orient Commercial Bank (OCB) has just announced its Q3/2025 financial report with a pre-tax profit of VND 1,538 billion, three times higher than the same period last year. Accumulated in 9 months, the profit reached VND 3,431 billion, up 34.4% compared to the first 9 months of 2024.

As of September 30, 2025, OCB’s total assets reached VND 315,162 billion, showing growth from the beginning of the year and completing 99% of the plan. Market 1 mobilization reached VND 219,998 billion, up 14.3% from the beginning of the year. Market 1 credit debt was VND 202,863 billion, up 12.4% from the beginning of the year.

SeABank Early Completes Annual Profit Plan

In the first 9 months of 2025, Southeast Asia Commercial Bank (SeABank, HOSE: SSB) achieved a pre-tax profit of VND 6,739 billion, up 49.5% year-on-year, completing 104% of the 2025 annual plan.

The bank’s total assets reached over VND 380,808 billion, up 16.92% compared to the end of 2024, completing 106% of the 2025 annual plan. Compared to December 31, 2024, customer loans increased by 11.6% to VND 233,562 billion. Deposits and securities increased by 6.5% compared to the end of 2024, reaching VND 211,674 billion. After 9 months, the bank’s equity increased by over 15% compared to December 31, 2024, reaching nearly VND 40,268 billion, with a charter capital of VND 28,450 billion. The bad debt ratio remained at 1.95%.

BVBank: Pre-Tax Profit of VND 437 Billion

Vietnam Public Bank (BVBank, stock code: BVB) announced its 9-month 2025 business results, recording a pre-tax profit of VND 437 billion, 2.4 times higher than the same period and completing 79% of the annual plan, with credit growth of 14.1% compared to the beginning of the year.

As of September 30, 2025, BVBank’s total assets reached VND 122,600 billion, up 18% compared to the end of 2024, completing the annual plan. By the end of Q3/2025, BVBank’s credit debt reached nearly VND 78,000 billion, up 14.1% from the beginning of the year. In terms of capital mobilization, the total scale reached VND 113,000 billion, up 23% year-on-year and 18.4% from the beginning of the year. Of which, deposits from individual and corporate customers increased by 24% from the beginning of the year, reaching nearly VND 92,800 billion.

MB: 9-Month Pre-Tax Profit Exceeds VND 23,000 Billion

MB’s consolidated pre-tax profit in Q3/2025 was VND 7,250 billion, down 0.8% year-on-year. The main reason was a 132% increase in provisioning expenses to VND 3,801 billion, despite a 23.5% growth in net profit from business activities.

Accumulated in the first 9 months, MB’s consolidated pre-tax profit reached VND 23,139 billion, up 11.6% year-on-year. With this profit, MB temporarily ranked second (after Techcombank) among the 13 banks that 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 VND 1,300 trillion, up 17.7% from the beginning of the year. Customer loans increased by 19.9% to VND 931,498 billion. Customer deposits rose by 10.3% to VND 788,030 billion.

MB’s bad debt by the end of September was over VND 17,400 billion, up 38.4% from the beginning of the year. Accordingly, the bad debt ratio increased from 1.62% to 1.87%.

ABBank Profits Nearly 10 Times Year-on-Year

ABBank has just announced its Q3/2025 financial report with a consolidated pre-tax profit of over VND 2,300 billion, 9.7 times higher than the same period and completing 128% of the 2025 profit plan. In Q3 alone, the bank’s pre-tax profit was over VND 646 billion, a strong improvement from the loss of over VND 343 billion in the same period in 2024.

By the end of Q3/2025, ABBank’s total assets reached VND 204,576 billion, up 15.8% compared to the end of 2024; customer loans reached VND 107,573 billion, up 9%; customer deposits were VND 118,712 billion, up nearly 31% in the first 9 months of the year.

ACB Reports Pre-Tax Profit of VND 16,072 Billion

ACB’s 9-month 2025 pre-tax profit reached VND 16,072 billion, up 4.8% year-on-year. In Q3/2025 alone, the bank’s pre-tax profit was VND 5,382 billion, up 11%.

Many of ACB’s business segments grew strongly, especially foreign exchange trading. ACB’s net profit from foreign exchange trading in the first 9 months reached VND 1,595 billion, up 93% year-on-year.

As of September 30, 2025, ACB’s total assets reached VND 948,549 billion, up 9.8% from the beginning of the year. Customer loans reached VND 669,188 billion, up 15.2%. Customer deposits reached VND 571,029 billion, up 6.3%.

Techcombank Reports Pre-Tax Profit of VND 23,400 Billion

In the first 9 months of 2025, Techcombank’s pre-tax profit reached VND 23,400 billion, up 2.4% year-on-year. In Q3/2025 alone, the pre-tax profit was VND 8,300 billion, up 14.4%, the highest quarterly pre-tax profit ever for the bank.

As of September 30, 2025, Techcombank’s total assets exceeded VND 1,130 trillion. The bank’s credit grew steadily at 16.8% compared to the beginning of the year.

In terms of capital mobilization, customer deposits at Techcombank by the end of September reached VND 638,500 billion, 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 continued 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 Profit Increases by 36%

Saigon-Hanoi Commercial Bank (SHB) has just announced its 9-month 2025 business results with a pre-tax profit of VND 12,307 billion, up 36% year-on-year, completing 85% of the annual plan.

As of September 30, 2025, SHB’s total assets reached VND 852,695 billion, up 14% compared to the end of 2024. Credit debt reached nearly VND 616,600 billion, up 15% from the beginning of the year.

All capital adequacy ratios were 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 VND 9,600 Billion

LPBank has just announced its 9-month 2025 financial report with an accumulated pre-tax profit of VND 9,612 billion, up 9% year-on-year. The main driver was Q3, with a pre-tax profit of VND 3,448 billion, up 15.3% from the previous quarter and 18.9% year-on-year.

As of September 30, 2025, LPBank’s total assets reached VND 539,149 billion, up 18.3% year-on-year and over 6% from the beginning of the year. Credit debt reached VND 387,898 billion, up 17% from the beginning of the year. Capital mobilization reached VND 389,638 billion, up 15% from the beginning of the year.

PGBank: 9-Month Profit Up 44%

PGBank recently announced its 9-month 2025 business results with a pre-tax profit of nearly VND 497 billion, up 44% year-on-year.

As of September 30, 2025, PGBank’s total assets reached nearly VND 79,838 billion, up 9.3% compared to the end of 2024. Customer loans reached VND 44,349 billion, up 7.5%. The bad debt ratio under Circular 31 was 2.84%.

Customer deposits reached VND 44,375 billion, 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 a pre-tax profit of VND 58.6 billion, up 81% year-on-year.

As of September 30, 2025, BAOVIET Bank’s total assets exceeded VND 89,700 billion. Customer loans increased by 16.54% from the beginning of the year, reaching over VND 55,625 billion. Capital mobilization increased by 12.34%, reaching VND 66,743 billion.

Kienlongbank Records Highest Profit in History

According to the consolidated financial report, KienlongBank’s 9-month 2025 pre-tax profit reached VND 1,537 billion, double that of the same period and completing 112% of the annual plan, marking the highest profit in 30 years of operation.

With this result, KienlongBank aims to achieve 150% of the 2025 profit plan.

After 9 months, KienlongBank’s total assets reached VND 97,716 billion, mobilized capital reached VND 87,491 billion, and credit debt reached VND 70,922 billion – increasing by over VND 5,500, VND 7,300, and VND 9,400 billion, respectively, from the beginning of the year.

In terms of asset quality, KienlongBank controlled the bad debt ratio below 2%, with the bad debt coverage ratio exceeding 80% for three consecutive quarters.

NCB Exceeds All 2025 Business Targets

According to information from National Citizen Bank (NCB), the bank continued to record positive business activities in Q3/2025 with an estimated after-tax profit of nearly VND 190 billion. Accumulated in 9 months of 2025, NCB’s after-tax profit is estimated at over VND 652 billion. These business results have significantly improved compared to the loss of over VND 65 billion in Q3/2024 and VND 59 billion in the first 9 months of 2024.

Compared to the 2025 annual plan, NCB has officially completed and exceeded the business plan after just 9 months. Specifically, total assets as of September 30, 2025, are estimated at over VND 154,100 billion, up 30% compared to the end of 2024 and exceeding the plan by 14%; mobilized capital (excluding bond issuance) is estimated at nearly VND 119,326 billion, and customer loans are estimated at over VND 94,956 billion, increasing by 24% and 33%, respectively, compared to the end of 2024, and exceeding the 2025 plan by 1% and 3%, respectively.

VPBank Earns VND 20,400 Billion in Profit After 3 Quarters

Vietnam Prosperity Bank (VPBank) has just announced its 9-month business results with a consolidated pre-tax profit of VND 20,396 billion, 47.1% higher than the same period last year. In Q3/2025 alone, the profit reached VND 9,166 billion, up 76.7% and the highest in the last 15 quarters. Accumulated in 9 months, VPBank’s profit has exceeded the 2024 result and completed 81% of the 2025 plan.

By the end of 9 months of 2025, VPBank’s consolidated total assets exceeded the plan set at the Shareholders’ Meeting, reaching VND 1,180 trillion, up 27.5% from the beginning of the year; separate total assets were over VND 1,100 trillion.

VPBank’s consolidated credit debt reached nearly VND 912,000 billion, up 28.4% thanks to contributions from both the parent bank and member companies. Of which, the separate bank’s credit was VND 813,000 billion.

As of the end of Q3/2025, the consolidated NPL ratio under Circular 31 was tightly controlled, falling below 3%; the separate bank’s NPL continued to improve, at 2.23%.

VietABank’s 9-Month Profit Increases by 32%

Vietnam Asia Commercial Bank (VietABank) has just announced its Q3/2025 consolidated financial report with a pre-tax profit of VND 336 billion, up 46% year-on-year. Accumulated in the first 9 months of 2025, VietABank achieved a pre-tax profit of VND 1,050 billion, up 32% year-on-year.

As of September 30, 2025, the bank’s consolidated total assets reached VND 134,614 billion, up 12.3% from the beginning of the year. Customer loans reached VND 85,811 billion, up 8.4%. Customer deposits reached VND 97,984 billion, up 8.5% from the beginning of the year.

NamABank: Pre-Tax Profit Exceeds VND 3,800 Billion

Nam A Commercial Bank (Nam A Bank) has also announced its 9-month business results with a pre-tax profit of over VND 3,800 billion, up nearly VND 520 billion year-on-year (16%) and completing 77% of the annual plan. Total assets as of the end of September 2025 reached over VND 377,000 billion, up over VND 132,000 billion from the beginning of the year.

Deposits from economic organizations and individuals increased by over VND 35,000 billion, equivalent to a 20% increase from the beginning of 2025. Credit debt increased by over VND 30,000 billion, equivalent to a 17.88% increase from the beginning of 2025, while the bond investment portfolio increased by nearly VND 14,000 billion.

The bad debt ratio was 2.53% (before CIC) and 2.73% after CIC, decreasing compared to 2.85% as of June 30, 2025. Meanwhile, the bad debt coverage ratio (LLR) increased sharply 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 SBV.