Impressive Growth in Assets and Credit Scale
As of December 31, 2025, Nam A Bank’s total assets reached VND 418,335 billion, marking an impressive growth compared to the beginning of the year. This achievement officially places the bank in the Top 15 largest asset-holding banks in the system.
The remarkable growth of Nam A Bank in 2025 was driven by synchronized improvements across capital mobilization, credit expansion, and active transactions in the interbank market and trading of securities (GTCG).
Nam A Bank’s outstanding growth in 2025
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 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 Earnings Efficiency Maintain High Growth
Nam A Bank recorded pre-tax profit (PTP) in 2025 at VND 5,254 billion, equivalent to a growth of 15.6% compared to 2024. Key profitability metrics 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 deploying 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, reflecting comprehensive improvements in scale, efficiency, and operational quality. Non-interest income increased by 1.6 times year-on-year, driven by effective debt recovery and the enhancement of 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 contributed VND 265 billion, accounting for 10.6% and 4.8% of the bank’s PTP, respectively.
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 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%, demonstrating the bank’s cautious approach to liquidity management in a volatile market, significantly exceeding the SBV’s threshold. The capital adequacy ratio (CAR) remained high at over 11%, well above the minimum requirement of 8% as per SBV regulations. This aligns with Basel III standards and ensures full compliance with Circular 14/2025/TT-NHNN.
On December 30, 2025, Nam A Bank successfully issued VND 1,000 billion in public bonds, fully distributed to nearly 300 investors, reflecting strong market interest and investor 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 bond issuance not only supplements medium and long-term capital but also enhances Tier 2 capital, improving and maintaining the CAR above SBV requirements. This strengthens the capital buffer, enhances resilience, and supports the bank’s growth objectives in the future.
Nam A Bank Achieves Exceptional Growth in 2025, Significantly Enhancing Asset Quality
By the end of 2025, Nam A Bank (HOSE: NAB) is projected to achieve impressive business results, with credit growth reaching 18.2% and total assets nearing VND 420 trillion. The bank’s non-performing loan ratio remains low at 2.15% (1.93% pre-CIC), while its bad debt coverage ratio has surged to over 54%.
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