Impressive Growth in Assets and Credit Scale
As of December 31, 2025, Nam A Bank recorded total assets of VND 418,335 billion, marking an impressive growth compared to the beginning of the year. This achievement officially places the bank among the Top 15 banks with the largest total assets in the system.
Nam A Bank’s remarkable growth in 2025 was driven by synchronized improvements across various activities, including capital mobilization, credit growth, and active transactions in the interbank market and trading of securities (GTCG).
Nam A Bank’s outstanding growth in 2025
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Specifically, total deposits from economic organizations, individuals, and issued securities reached over VND 211,000 billion, a growth of more than 18.4% compared to the end of 2024. In terms of credit activities, Nam A Bank achieved over VND 198,000 billion, a growth of 18.2% compared to the beginning of the year. Additionally, the total investment in government bonds (TPCP) and securities issued by credit institutions reached over VND 40,000 billion, a strong growth of 92.1%.
In 2025, the total international capital mobilized by Nam A Bank was approximately USD 160 million, through bilateral loans and syndicated loans from reputable partners. The outstanding growth across these pillars contributes to optimizing the asset structure and ensuring sustainable profitability for the bank in the coming years.
Profitability and Efficiency Maintain High Growth
Nam A Bank recorded pre-tax profit (LNTT) in 2025 at VND 5,254 billion, equivalent to a growth of 15.6% compared to 2024. Profitability indicators remained high, with NIM at 2.6%, ROA at 1.3%, and ROE stable at around 20%, placing the bank among the leaders in return on equity. These figures accurately reflect the bank’s scale expansion and growth.
In the context of the banking sector actively implementing resources to promote private economic development under Resolution 68-NQ/TW of the Politburo, Nam A Bank proactively increased credit to priority sectors, effectively channeling capital to the private economy. Additionally, the bank leveraged opportunities in the secondary market, particularly the interbank market and safe investment instruments such as government bonds, securities, and bonds issued by other credit institutions.
Total operating income of Nam A Bank increased by 27.4% to VND 11,534 billion, demonstrating synchronized improvements in scale, efficiency, and quality. Non-interest income increased by 1.6 times year-on-year, driven by effective debt recovery and enhanced investment and trading activities in the capital market (with securities trading contributing VND 235 billion, doubling year-on-year).
Net income from services reached VND 588 billion, while foreign exchange and securities trading generated VND 265 billion, contributing 10.6% and 4.8% respectively to the bank’s pre-tax profit structure.
Effective Asset Quality Control and Cost Optimization
Nam A Bank’s non-performing loan (NPL) ratio significantly decreased to 2.15% (1.93% before CIC), while the NPL coverage ratio increased sharply to over 54%. The bank effectively managed and controlled operating costs in 2025, with the cost-to-income ratio (CIR) decreasing from 44% in 2024 to 33.2%.
To meet the State Bank of Vietnam’s (SBV) requirements for digital transformation and cost savings, Nam A Bank has become a leader in income and cost management efficiency.
Maintaining Capital Adequacy and Liquidity Ratios Above Standards
The liquidity reserve ratio reached 20.4%, reflecting the bank’s cautious approach to liquidity management amidst market volatility, far exceeding the SBV’s standard. The capital adequacy ratio (CAR) remained high at over 11%, significantly above the minimum requirement of 8% as per SBV regulations. This aligns with Basel III international standards and fully complies with Circular 14/2025/TT-NHNN.
On December 30, 2025, Nam A Bank successfully completed a public bond issuance of VND 1,000 billion, fully distributed to nearly 300 investors, showcasing market confidence. In Q1/2026, the bank will continue with the NAB202502 bond issuance of VND 1,000 billion, completing the total planned issuance of VND 2,000 billion.
The long-term capital raised from bonds not only supplements medium and long-term capital but also strengthens Tier 2 capital, maintaining a high CAR and enhancing the bank’s resilience and growth capacity in the future.
– 14:58 13/01/2026
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