VCB: Estimated figures – CTG: Separate profit
HDBank Reports Profits Exceeding 21,000 Billion VND, Entering Top 3 Private Banks with Highest Profits
Ho Chi Minh City Development Commercial Joint Stock Bank (HDBank – Code: HDB) has announced its 2025 business results with pre-tax profits surpassing 21,300 billion VND, a 27.4% increase compared to the previous year and exceeding the General Meeting of Shareholders’ plan. In Q4/2025 alone, HDBank recorded profits of over 6,500 billion VND, a 60% increase year-on-year.
With these results, HDBank is the 7th bank to record profits above 20,000 billion VND in 2025. Simultaneously, HDBank has surpassed ACB to enter the Top 3 private banks with the highest profits in the system last year.
By the end of 2025, HDBank’s consolidated total assets reached 931 trillion VND, a 33.5% increase compared to the end of 2024. Total mobilized capital reached 832 trillion VND, with customer deposits increasing by 28.2%, demonstrating continued market confidence.
Outstanding loans reached 588 trillion VND, a 34.3% increase, focusing on sectors with reasonable risk ratios and long-term growth potential such as SMEs, supply chains, production-business, exports, and green projects. Alongside growth, HDBank continues to effectively manage risks with a bad debt ratio of 1.66%.
In 2025, HDBank’s ROE reached 25.3% – among the highest in the system, with ROA at 2.1%, showcasing superior capital utilization compared to industry averages. During the year, HDBank implemented dividend payments and bonus shares with a total ratio of nearly 30%, demonstrating a clear commitment to shareholders.
VIB Reports Profits Exceeding 9,100 Billion VND
By the end of 2025, VIB’s pre-tax profits reached over 9,100 billion VND, a 1% increase compared to the previous year.
As of December 31, 2025, VIB’s total assets reached over 556 trillion VND, a 13% increase year-on-year. VIB’s outstanding loans reached nearly 382 trillion VND, an 18% increase with the bad debt ratio at the end of 2025 decreasing to 2.16%, the lowest in 3 years (2023–2025), down 0.28% from the beginning of the year.
Safety indicators remain optimal, including the Basel II Capital Adequacy Ratio (CAR) at 11.3% (regulation: ≥ 8%), the loan-to-deposit ratio (LDR) at 78% (regulation: ≤ 85%), the ratio of short-term funds used for medium and long-term loans at 26% (regulation: ≤ 30%), and the Net Stable Funding Ratio (NSFR) according to Basel III at 104% (Basel III standard: ≥ 100%).
BVBank’s Q4/2025 Profits Drop Nearly 60% Year-on-Year
Ban Viet Commercial Joint Stock Bank (BVBank – Code: BVB) has announced its financial report with Q4/2025 pre-tax profits reaching 85 billion VND, a 59% decrease year-on-year. For the full year, BVBank’s profits reached 522 billion VND, a 34% increase compared to 2024, thanks to impressive results in the first 9 months.
As of December 31, 2025, BVBank’s total assets reached 133,048 billion VND, a 28.5% increase compared to the end of 2024. Customer deposits increased by 6%, reaching 71,414 billion VND. Meanwhile, the bank’s outstanding loans were at 77,688 billion VND, a 14% increase year-on-year.
As of the end of 2025, BVBank’s bad debt balance (from group 3 to group 5) was 2,341 billion VND, an 11.4% increase compared to the previous year. However, with outstanding loans increasing by 14%, the bank’s bad debt ratio to total outstanding loans decreased to 3%.
Saigonbank Continues to Report Losses in Q4/2025
Sai Gon Thuong Tin Commercial Joint Stock Bank (Saigonbank – Code: SGB) has announced its Q4/2025 consolidated financial report with a pre-tax loss of over 107 billion VND, compared to a loss of nearly 114 billion VND in the same period last year. However, 2025’s full-year profits still reached 151 billion VND, 1.5 times higher than in 2024.
As of the end of 2025, Saigonbank’s total assets reached 35,377 billion VND, a 6.4% increase compared to the end of 2024. Consolidated outstanding loans reached 21,973 billion VND, a 0.6% increase year-on-year.
Total bad debts (groups 3-5) as of December 31, 2025, reached 649.4 billion VND, an 11.8% increase year-on-year. Consequently, the on-balance-sheet bad debt ratio increased sharply from 2.66% at the beginning of the year to 2.95% at year-end.
On the funding side, customer deposits reached 26,327 billion VND, a 7.8% increase.
ACB’s Q4/2025 Profits Decline Nearly 40%
Asia Commercial Joint Stock Bank (ACB – Code: ACB) has announced its financial report with Q4/2025 pre-tax profits reaching 3,467 billion VND, a 38.9% decrease year-on-year. For the full year 2025, ACB’s profits reached 19,539 billion VND, a 7% decrease compared to 2024, achieving only 85% of the set plan.
As of December 31, 2025, ACB’s total assets reached 1,025,850 billion VND, an 18.7% increase compared to the end of 2024. With these results, ACB is the 8th bank with total assets exceeding 1 million billion VND, alongside BIDV, VietinBank, Agribank, Vietcombank, MB, VPBank, and Techcombank.
In 2025, ACB’s outstanding loans increased by 18.3%, reaching 686,777 billion VND. Customer deposits increased by 8.9%, reaching 585,180 billion VND.
ACB’s bad debt balance (from group 3 to group 5) as of the end of 2025 was 6,671 billion VND, a 23% decrease compared to the previous year, bringing the bad debt ratio down to 0.97%.
Sacombank Reports Losses in Q4/2025, Achieving Only Half of the Year’s Profit Plan
Sai Gon Thuong Tin Commercial Joint Stock Bank (Sacombank) has announced its 2025 business results with consolidated pre-tax profits reaching 7,628 billion VND, equivalent to 52% of the plan assigned by the General Meeting of Shareholders. This result was mainly impacted by the bank’s proactive increase in provisioning for credit risk, with total provisions for the year exceeding 11,300 billion VND.
For the first 3 quarters, the bank reported profits of nearly 11,000 billion VND. Thus, in Q4/2025, Sacombank recorded a profit loss of over 3,300 billion VND.
By the end of 2025, Sacombank’s total assets reached nearly 918 trillion VND, a nearly 23% increase year-on-year. Total mobilized capital exceeded 837 trillion VND, a 24% increase, and total credit reached over 626 trillion VND, a 16% increase.
VietABank Reports Profits 1.5 Times Higher
Viet A Commercial Joint Stock Bank (VietABank – Code: VAB) has announced its Q4 2025 financial report with profits reaching 1,623 billion VND, a 49.5% increase compared to the same period in 2024. Specifically, in Q4/2025, profits reached 573 billion VND, a 96% increase year-on-year.
As of December 31, 2025, VietABank’s total assets increased by 17.2%, reaching 140,486 billion VND; outstanding loans to customers increased by 11% compared to the end of 2024. Customer deposits reached 99,080 billion VND, a 9.7% increase year-on-year.
Regarding asset quality, VietABank’s bad debt balance at the end of Q4 was 1,162 billion VND, a 6.5% increase. The bad debt ratio to total outstanding loans decreased from 1.37% at the beginning of the year to 1.31%.
SeABank’s 2025 Profits Reach 6,868 Billion VND
Southeast Asia Commercial Joint Stock Bank (SeABank – Code: SSB) has announced its 2025 business results with pre-tax profits reaching 6,868 billion VND, a 13.73% increase compared to 2024, achieving 106% of the plan.
As of December 31, 2025, SeABank’s total assets reached 396,443 billion VND, a 21.72% increase compared to 2024, achieving 111% of the annual plan. Chartered capital increased to 28,450 billion VND, with equity reaching 40,373 billion VND, a 15.34% increase.
Outstanding credit at SeABank increased by 16.69%, reaching 244,972 billion VND, while total mobilized deposits and securities reached 221,791 billion VND, an 11.58% increase compared to 2024.
PGBank Reports 81% Profit Increase
Thinh Vuong Development Commercial Joint Stock Bank (PGBank) has announced its Q4 2025 business results with pre-tax profits reaching 271.6 billion VND, contributing to a full-year 2025 pre-tax profit of 768.3 billion VND, an 81% increase compared to 2024.
Total operating income for 2025 reached approximately 2,538 billion VND, with net interest income reaching 1,971 billion VND, remaining the main revenue source.
In terms of operational scale, as of December 31, 2025, PGBank’s total assets reached 88,882 billion VND, a 21.7% increase compared to the end of 2024. Outstanding loans reached 47,165 billion VND, a 13.6% increase. Customer deposits reached 48,460 billion VND, an 11.9% increase.
The ratio of customer loans to customer deposits in the market 1 is 94.8%, and the ratio of short-term funds used for medium and long-term loans is 21.28%. The bad debt ratio in market 1 is 2.36%.
BAOVIET Bank Reports Modest Profit Increase
In 2025, BAOVIET Bank recorded a 3.64% increase in pre-tax profits compared to 2024, reaching nearly 89 billion VND.
By the end of the 2025 fiscal year, the bank’s total assets increased by 22.22% compared to the end of 2024. Total credit increased by 10.19% year-on-year, with customer loan balances increasing by 22.46%.
In terms of capital mobilization, customer deposits increased by 27.83% compared to the previous year.
LPBank Reports Record Profits of 14,269 Billion VND
Loc Phat Vietnam Commercial Joint Stock Bank (LPBank) has announced its 2025 business results with pre-tax profits reaching 14,269 billion VND, the highest in the bank’s history and a 17% increase compared to 2024. In Q4 alone, the bank recorded pre-tax profits of 4,657 billion VND, a 35% increase compared to Q3 and nearly 40% compared to the same period last year.
LPBank concluded the 2025 fiscal year with total assets reaching 605,585 billion VND, a 19% increase year-on-year. Mobilized capital exceeded 401,680 billion VND.
The cost-to-income ratio (CIR) was optimized to 28.3%, a 1% decrease compared to 2024 and among the lowest in the industry; the bad debt ratio was 1.68%.
Techcombank Reports Q4/2025 Profits Double Those of Q4/2024
Vietnam Technological and Commercial Joint Stock Bank (Techcombank – Code: TCB) has announced its 2025 business results with pre-tax profits (LNTT) reaching 32.5 trillion VND, an 18.2% increase compared to the previous year, exceeding the target of 31.5 – 31.7 trillion VND, remaining among the banks with the highest profits in the industry. Notably, Q4/2025 marked the third consecutive quarter with record profits, reaching 9.2 trillion VND, nearly double (+94.9%) compared to the same period last year.
As of December 31, 2025, Techcombank’s total assets exceeded 1.19 million billion VND, a 22% increase year-on-year. Specifically, the bank’s credit increased by nearly 18.4% year-on-year, reaching 824 trillion VND.
Techcombank concluded 2025 with total deposits reaching 665.6 trillion VND, a 17.9% increase year-on-year, with CASA accounting for 40.4% of total mobilized capital. The customer-centric strategy helped Techcombank reach 18 million customers, an additional 2.7 million in 2025.
VPBank’s Profits Exceed 30,000 Billion VND for the First Time
Vietnam Prosperity Joint Stock Commercial Bank (VPBank) has announced its 2025 business results with record consolidated pre-tax profits exceeding 30,600 billion VND, a 53% increase compared to the previous year, achieving 121% of the set plan. In Q4 alone, VPBank’s profits surpassed 10,200 billion VND, the highest in the last 4 years. Profitability indicators showed significant improvement, with consolidated ROE and ROA reaching nearly 16% and 2.2%, respectively. The parent bank achieved profits of over 26,300 billion VND in 2025, a 44.4% increase compared to 2024.
Consolidated total assets reached 1.26 million billion VND, a 36.4% increase year-on-year, achieving 111% of the plan set at the General Meeting of Shareholders. Consolidated outstanding loans as of the end of 2025 exceeded 961 trillion VND, showing strong growth in both the parent bank and subsidiaries. Retail loans reached 850 trillion VND, a 35% increase, marking the highest growth rate in recent years.
By the end of 2025, the consolidated bad debt ratio (NPL) according to Circular 31 decreased below 3%; the retail bad debt ratio was around 2%.
Vietcombank’s Estimated Profits Exceed 45,000 Billion VND
According to information from the Conference summarizing the Party’s work and 2025 business activities, Vietcombank’s leadership stated that the bank’s 2025 pre-tax profits increased by over 7% compared to 2024, as approved by the State Bank. With 2024’s consolidated pre-tax profits exceeding 42,200 billion VND, Vietcombank’s estimated 2025 profits reached over 45,000 billion VND, the highest in history.
As of December 31, 2025, Vietcombank’s total assets reached 2.48 million billion VND, a nearly 20% increase compared to the end of 2024. Outstanding credit to the economy reached approximately 1.66 million billion VND, a more than 15% increase. On the mobilization side, market I capital reached 1.68 million billion VND, a more than 10% increase year-on-year, ensuring safe capital balance. The bad debt ratio was controlled below 1%.
BIDV’s Consolidated Pre-Tax Profits Exceed 36,000 Billion VND
At the Conference deploying 2026 business tasks and plans, BIDV’s leadership reported that as of December 31, 2025, all business indicators met and exceeded the plans set by the State Bank and the General Meeting of Shareholders. Specifically, consolidated pre-tax profits exceeded 36,000 billion VND.
By the end of 2025, BIDV’s total assets exceeded 3.25 million billion VND, a 20% increase compared to 2024, remaining the bank with the largest total assets in Vietnam. Mobilized capital exceeded 2.4 million billion VND, a 13.7% increase. Outstanding loans exceeded 2.3 million billion VND, a 15.2% increase. Credit quality was controlled within limits, with the bad debt ratio according to Circular 31 at 1.2%. The Capital Adequacy Ratio (CAR) reached 9%.
VietinBank Reports Record Profits
At the Conference summarizing the Party’s work and 2025 business activities, VietinBank’s leadership stated that the bank had completed all targets and plans set by the General Meeting of Shareholders in 2025.
By the end of 2025, VietinBank achieved pre-tax profits exceeding 41 trillion VND, a 37% increase compared to 2024. Total assets surpassed 100 billion USD, an approximately 18% increase year-on-year.
Mobilized capital increased by 12% compared to the end of 2024. CASA growth was outstanding in a challenging market, with CASA accounting for over 25% by the end of 2025. The bad debt ratio was controlled at 1%, in line with the plan. The bad debt coverage ratio remained high.
MB Reports Profits Exceeding 34,200 Billion VND
At the 2025 Military-Political Conference and the Ceremony to Receive the Third-Class Labor Order of the Military Commercial Joint Stock Bank (MB), Mr. Luu Trung Thai, Chairman of MB’s Board of Directors, stated that in 2025, the group’s pre-tax profits exceeded 34,200 billion VND, an 18.7% increase compared to the previous year.
By the end of 2025, MB’s total assets reached 1.6 million billion VND, a 35% increase compared to 2024. Outstanding loans exceeded 1 million billion VND, a 35% increase. Efficiency and safety indicators remained stable. The bad debt ratio was controlled below 1.3%, meeting the set plan.
Nam A Bank’s Profits Exceed 5,200 Billion VND
Nam A Commercial Joint Stock Bank (Nam A Bank) has announced its 2025 business results with pre-tax profits reaching 5,254 billion VND, a 15.6% increase compared to 2024.
As of December 31, 2025, the bank’s total assets reached 418,335 billion VND, 1.7 times higher than the beginning of the year, officially entering the Top 15 banks with the largest total assets in the system. Total deposits from economic organizations, individuals, and bond issuances exceeded 211 trillion VND, a more than 18.4% increase compared to the end of 2024.
In terms of credit activities, the bank achieved over 198 trillion VND, an 18.2% increase year-on-year. Additionally, the total investment in government bonds and securities issued by credit institutions exceeded 40 trillion VND, a 92.1% increase.
The bank’s bad debt ratio decreased significantly to 2.15% (1.93% before CIC), while the bad debt coverage ratio increased sharply to over 54%. The cost-to-income ratio (CIR) decreased from 44% in 2024 to 33.2%.
Kienlongbank Reports Double the Profits of the Previous Year
KienlongBank (KLB) recorded Q4/2025 pre-tax profits of 786 billion VND, a 124% increase compared to the same period last year. For the full year, the bank recorded profits of 2,323 billion VND, a 109% increase.
By the end of 2025, KienlongBank’s total assets exceeded 103 trillion VND for the first time, a 5,284 billion VND increase compared to the end of Q3. Mobilized capital reached 91,360 billion VND, while outstanding loans to customers reached 71,587 billion VND, increasing by 3,869 billion VND and 665 billion VND, respectively. The bad debt ratio was controlled below 2%, while the bad debt coverage ratio remained above 80%.
ABBank Reports 4.7 Times Higher Profits Than 2024
An Binh Commercial Joint Stock Bank (ABBank) has announced its 2025 business results with pre-tax profits reaching 3,522 billion VND, 4.7 times higher than the consolidated results of 2024, achieving nearly 200% of the annual plan.
As of December 31, 2025, mobilized capital reached 161,221 billion VND, achieving 140% of the annual plan, while outstanding loans exceeded 127 trillion VND, a 16% increase compared to 2024.
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