Notably, MSB and Eximbank are the only banks to report negative profit growth in the first nine months compared to the same period last year.
Two banks recorded pre-tax profits of around VND 30,000 billion: Vietcombank (over VND 33,000 billion) and VietinBank (nearly VND 30,000 billion).
In Q3/2025, Vietcombank’s pre-tax profit reached over VND 11,000 billion, a 5% increase year-on-year.
VietinBank impressed with a 62% year-on-year surge in Q3/2025 pre-tax profit, reaching over VND 10,600 billion. The bank’s cumulative nine-month profit rose 51% year-on-year, the highest growth rate among major banks.
Sacombank reports pre-tax profit of nearly VND 11,000 billion
On October 29th, Sacombank announced its Q3/2025 financial report, showing a 33% year-on-year increase in pre-tax profit to VND 3,657 billion. For the first nine months, the bank’s pre-tax profit reached VND 10,988 billion, up 36%.
As of September 30th, 2025, Sacombank’s total assets stood at VND 848,942 billion, a 13.5% increase. Customer loans rose 12.4% in nine months to VND 606,048 billion, while customer deposits grew 13.1% to VND 641,102 billion.
VIB: 7% year-on-year rise in nine-month pre-tax profit
International Bank (VIB) reported a 7% year-on-year increase in nine-month pre-tax profit to over VND 7,040 billion. Credit growth and mobilization reached 15% and 11%, respectively.
As of September 30th, 2025, VIB’s total assets exceeded VND 543,000 billion, a 10% increase year-to-date.
OCB: Q3/2025 profit triples year-on-year
Orient Commercial Bank (OCB) announced its Q3/2025 financial report, showing a threefold year-on-year increase in pre-tax profit to VND 1,538 billion. Nine-month profit reached VND 3,431 billion, up 34.4% year-on-year.
As of September 30th, 2025, OCB’s total assets stood at VND 315,162 billion, a year-to-date increase and 99% of the annual plan. Market 1 mobilization reached VND 219,998 billion, up 14.3% year-to-date. Market 1 credit debt stood at VND 202,863 billion, a 12.4% year-to-date increase.
SeABank achieves early profit target
In the first nine months of 2025, Southeast Asia Commercial Bank (SeABank, HOSE: SSB) recorded a 49.5% year-on-year increase in pre-tax profit to VND 6,739 billion, achieving 104% of its annual plan.
The bank’s total assets reached over VND 380,808 billion, a 16.92% increase from the end of 2024 and 106% of the annual plan. Customer loans rose 11.6% from December 31st, 2024, to VND 233,562 billion. Deposits and securities increased 6.5% to VND 211,674 billion. As of September 30th, 2025, the bank’s equity reached nearly VND 40,268 billion, with a charter capital of VND 28,450 billion. The NPL ratio remained at 1.95%.
BVBank: VND 437 billion pre-tax profit
Vietnam Public Bank (BVBank, stock code: BVB) reported a 2.4-fold year-on-year increase in nine-month pre-tax profit to VND 437 billion, achieving 79% of its annual plan. Credit growth reached 14.1% year-to-date.
As of September 30th, 2025, BVBank’s total assets stood at VND 122,600 billion, an 18% increase from the end of 2024 and meeting the annual plan. Nine-month credit debt reached nearly VND 78,000 billion, up 14.1% year-to-date. Total mobilization reached VND 113,000 billion, a 23% year-on-year and 18.4% year-to-date increase. Individual and corporate deposits rose 24% year-to-date to nearly VND 92,800 billion.
MB: Over VND 23,000 billion in nine-month pre-tax profit
MB’s Q3/2025 consolidated pre-tax profit reached VND 7,250 billion, a 0.8% year-on-year decrease. This was mainly due to a 132% increase in provisioning expenses to VND 3,801 billion, despite a 23.5% rise in net profit from business activities.
Nine-month consolidated pre-tax profit reached VND 23,139 billion, an 11.6% year-on-year increase. This places MB second among the 13 banks that have announced nine-month profits as of October 26th.
In the first half of 2025, MB ranked fourth in terms of profit among the system’s banks.
As of September 30th, 2025, MB’s total assets exceeded VND 1,300 trillion, a 17.7% year-to-date increase. Customer loans rose 19.9% to VND 931,498 billion, while customer deposits grew 10.3% to VND 788,030 billion.
MB’s NPLs as of September 30th stood at over VND 17,400 billion, a 38.4% year-to-date increase. The NPL ratio rose from 1.62% to 1.87%.
ABBank profits nearly 10 times year-on-year
ABBank announced its Q3/2025 financial report, showing a 9.7-fold year-on-year increase in consolidated pre-tax profit to over VND 2,300 billion, achieving 128% of its annual profit plan. In Q3 alone, the bank’s pre-tax profit reached over VND 646 billion, a significant improvement from the VND 343 billion loss in Q3/2024.
As of September 30th, 2025, ABBank’s total assets stood at VND 204,576 billion, a 15.8% increase from the end of 2024. Customer loans reached VND 107,573 billion, up 9%, while customer deposits stood at VND 118,712 billion, a nearly 31% increase in nine months.
ACB reports VND 16,072 billion pre-tax profit
ACB’s nine-month pre-tax profit reached VND 16,072 billion, a 4.8% year-on-year increase. In Q3/2025, the bank’s pre-tax profit stood at VND 5,382 billion, up 11%.
Many of ACB’s business segments experienced strong growth, particularly in foreign exchange. Nine-month net profit from foreign exchange reached VND 1,595 billion, a 93% year-on-year increase.
As of September 30th, 2025, ACB’s total assets stood at VND 948,549 billion, a 9.8% year-to-date increase. Customer loans reached VND 669,188 billion, up 15.2%, while customer deposits stood at VND 571,029 billion, a 6.3% increase.
Techcombank reports VND 23,400 billion pre-tax profit
In the first nine months of 2025, Techcombank’s pre-tax profit reached VND 23,400 billion, a 2.4% year-on-year increase. Q3/2025 pre-tax profit stood at VND 8,300 billion, a 14.4% increase and the highest quarterly pre-tax profit in the bank’s history.
As of September 30th, 2025, Techcombank’s total assets exceeded VND 1,130 trillion. The bank’s credit growth remained stable at 16.8% year-to-date.
Customer deposits at Techcombank reached VND 638,500 billion as of September 30th, a 24.1% year-to-date increase. The CASA ratio stood at 42.5%, among the highest in the industry.
Techcombank maintained strong asset quality, with the NPL ratio improving from 1.32% to 1.23%. The NPL coverage ratio reached 119.1%, marking the eighth consecutive quarter above 100%.
SHB profit rises 36%
Saigon-Hanoi Commercial Bank (SHB) announced its nine-month 2025 business results, showing a 36% year-on-year increase in pre-tax profit to VND 12,307 billion, achieving 85% of its annual plan.
As of September 30th, 2025, SHB’s total assets reached VND 852,695 billion, a 14% increase from the end of 2024. Credit debt stood at nearly VND 616,600 billion, a 15% year-to-date increase.
The bank’s capital adequacy ratio (CAR) exceeded 12%, significantly higher than the 8% minimum required by the State Bank of Vietnam (SBV) under Circular 41/2016/TT-NHNN.
LPBank reports over VND 9,600 billion profit
LPBank announced its nine-month 2025 financial report, showing a 9% year-on-year increase in pre-tax profit to VND 9,612 billion. Q3/2025 pre-tax profit reached VND 3,448 billion, up 15.3% quarter-on-quarter and 18.9% year-on-year.
As of September 30th, 2025, LPBank’s total assets stood at VND 539,149 billion, an 18.3% year-on-year and 6% year-to-date increase. Credit debt reached VND 387,898 billion, a 17% year-to-date increase. Mobilization stood at VND 389,638 billion, up 15% year-to-date.
PGBank: 44% profit increase
PGBank recently announced its nine-month 2025 business results, showing a 44% year-on-year increase in pre-tax profit to nearly VND 497 billion.
As of September 30th, 2025, PGBank’s total assets reached nearly VND 79,838 billion, a 9.3% increase from the end of 2024. Customer loans stood at VND 44,349 billion, up 7.5%. The NPL ratio under Circular 31 was 2.84%.
Customer deposits reached VND 44,375 billion, a 2.4% increase, while deposits from other credit institutions and bond issuance rose significantly.
BAOVIET Bank reports surging profit
In the first nine months of 2025, BAOVIET Bank recorded an 81% year-on-year increase in pre-tax profit to VND 58.6 billion.
As of September 30th, 2025, the bank’s total assets exceeded VND 89,700 billion. Customer loans rose 16.54% year-to-date to over VND 55,625 billion, while mobilization increased 12.34% to VND 66,743 billion.
Kienlongbank achieves record profit
According to its consolidated financial report, KienlongBank’s nine-month pre-tax profit reached VND 1,537 billion, double the previous year and 112% of its annual plan, marking the highest profit in its 30-year history.
With this result, KienlongBank aims to achieve 150% of its 2025 profit plan.
As of September 30th, 2025, KienlongBank’s total assets stood at VND 97,716 billion, with mobilization reaching VND 87,491 billion and credit debt at VND 70,922 billion – increases of VND 5,500 billion, VND 7,300 billion, and VND 9,400 billion, respectively, year-to-date.
In terms of asset quality, KienlongBank maintained an NPL 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 recorded positive business results in Q3/2025, with after-tax profit reaching nearly VND 190 billion. Nine-month after-tax profit is estimated at over VND 652 billion, a significant improvement from the VND 65 billion loss in Q3/2024 and VND 59 billion loss in the first nine months of 2024.
Compared to its 2025 plan, NCB has officially achieved and exceeded its business targets after nine months. As of September 30th, 2025, total assets are estimated at over VND 154,100 billion, a 30% increase from the end of 2024 and 14% above the plan. Mobilization (excluding bond issuance) is estimated at nearly VND 119,326 billion, and customer loans at over VND 94,956 billion, increases of 24% and 33%, respectively, from the end of 2024, and 1% and 3% above the 2025 plan.
VPBank reports VND 20,400 billion profit after three quarters
Vietnam Prosperity Bank (VPBank) announced its nine-month business results, showing a 47.1% year-on-year increase in consolidated pre-tax profit to VND 20,396 billion. Q3/2025 profit reached VND 9,166 billion, a 76.7% increase and the highest in the last 15 quarters. Nine-month profit exceeded the 2024 result and achieved 81% of the 2025 plan.
As of September 30th, 2025, VPBank’s consolidated total assets surpassed the target set at the Annual General Meeting (AGM), reaching VND 1,180 trillion, a 27.5% year-to-date increase. Separate total assets exceeded VND 1,100 trillion.
Consolidated credit debt reached nearly VND 912,000 billion, a 28.4% increase, thanks to contributions from both the parent bank and subsidiaries. Separate credit debt stood at VND 813,000 billion.
As of September 30th, 2025, the consolidated NPL ratio under Circular 31 was tightly controlled below 3%, while the separate NPL ratio continued to improve to 2.23%.
VietABank’s nine-month profit rises 32%
Vietnam Asia Bank (VietABank) announced its Q3/2025 consolidated financial report, showing a 46% year-on-year increase in pre-tax profit to VND 336 billion. Nine-month pre-tax profit reached VND 1,050 billion, a 32% year-on-year increase.
As of September 30th, 2025, VietABank’s consolidated total assets stood at VND 134,614 billion, a 12.3% year-to-date increase. Customer loans reached VND 85,811 billion, up 8.4%, while customer deposits stood at VND 97,984 billion, an 8.5% year-to-date increase.
NamABank: Over VND 3,800 billion pre-tax profit
Nam A Bank announced its nine-month business results, showing a 16% year-on-year increase in pre-tax profit to over VND 3,800 billion, achieving 77% of its annual plan. Total assets as of September 30th, 2025, reached over VND 377,000 billion, a VND 132,000 billion increase year-to-date.
Deposits from organizations and individuals rose over VND 35,000 billion, a 20% year-to-date increase. Credit debt increased over VND 30,000 billion, a 17.88% year-to-date rise, while bond investments grew nearly VND 14,000 billion.
The NPL ratio stood at 2.53% (pre-CIC) and 2.73% (post-CIC), decreasing from 2.85% as of June 30th, 2025. The NPL coverage ratio rose from 39% to nearly 46% during the same period. The liquidity reserve ratio reached nearly 20%, double the SBV’s minimum requirement.
2025 Q3 Bank Performance Update: More Lenders Surpass VND 10 Trillion Pre-Tax Profit by October 29
In Q3/2025, a bank reported a staggering pre-tax profit, soaring 12 times higher than the same period last year.
Six Banks Projected to Earn Over 20,000 Billion VND in First Nine Months, 11 Banks Set to Profit in Trillions
Eleven banks are projected to report profits exceeding 10,000 billion VND in the first nine months of the year. These include Vietcombank, VietinBank, BIDV, Agribank, MB, Techcombank, VPBank, ACB, HDBank, SHB, and Sacombank.
Vietcombank Reports 5% Surge in Pre-Tax Profit for Q3, Bolstered by Robust Reserves
Vietcombank (HOSE: VCB) has reported a pre-tax profit of over VND 11,239 billion in Q3/2025, marking a 5% year-on-year increase despite a significant rise in risk provisioning costs, as revealed in its recently released consolidated financial statement.
VietinBank’s Q3 Pre-Tax Profit Surges 62% as Non-Performing Loan Ratio Improves
VietinBank (HOSE: CTG) has reported a pre-tax profit of over 10.614 trillion VND in Q3/2025, marking a 62% year-on-year increase. This impressive growth is attributed to robust core banking activities and securities-related income, coupled with a reduction in risk provisions.
VPBankS IPO: Building on VPBank’s Legacy of Billion-Dollar Success Stories
Leveraging its extensive experience in executing multi-billion-dollar transactions and backed by the robust ecosystem and expansive network of its parent bank, VPBankS is poised to deliver the largest IPO ever by a securities company in Vietnam.
