In Q3, most of BIDV’s business activities saw growth compared to the same period last year. Net interest income rose by 8%, reaching nearly VND 15,173 billion.
Non-interest income streams also experienced strong growth: service fees increased by 18% (VND 1,734 billion), foreign exchange trading profits surged by 32% (VND 965 billion), and other operating income jumped by 70% (VND 2,555 billion). Trading securities generated a profit of VND 67 billion, and investment securities yielded VND 517 billion, compared to losses in the same period last year.
Operating expenses increased by 17% to VND 7,374 billion, resulting in a 26% rise in net profit from business operations to VND 13,779 billion.
However, BIDV allocated VND 6,189 billion (+39%) for credit risk provisions during the quarter, leading to a 17% increase in pre-tax profit to VND 7,594 billion.
For the first nine months of the year, the bank’s pre-tax profit exceeded VND 23,632 billion, a 7% increase year-on-year.
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BID’s Q3 and 9-month business results for 2025. Unit: Billion VND
Source: VietstockFinance
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As of the end of Q3, BIDV’s total assets reached over VND 3,070 trillion, an 11% increase from the beginning of the year. Customer loans grew by 9%, and customer deposits rose by 7%, reaching nearly VND 2,240 trillion and VND 2,079 trillion, respectively.
As of September 30, 2025, BIDV’s total non-performing loans amounted to VND 41,942 billion, a 44% increase from the beginning of the year. The non-performing loan ratio rose from 1.41% at the start of the year to 1.87%.
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BID’s loan quality as of September 30, 2025. Unit: Billion VND
Source: VietstockFinance
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– 10:28 October 31, 2025
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