In 2025, VCB’s core operations saw a 6% increase compared to the previous year, with net interest income reaching VND 58,674 billion.
While service income decreased by 32% to VND 3,470 billion, other non-interest income sources experienced robust growth: foreign exchange trading profit (+16%), securities trading profit (+176%), investment securities profit (+5%), and other operating profit (+51%).
Additionally, operating expenses rose by only 9% to VND 25,152 billion, resulting in a 4% increase in net operating profit to VND 47,205 billion.
During the year, the bank slightly reduced credit risk provisions by 4%, setting aside VND 3,185 billion, leading to pre-tax profit exceeding VND 44,020 billion, a 4% increase.
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Q4 and 2025 Business Results of VCB. Unit: Billion VND
Source: VietstockFinance
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As of the end of 2025, the bank’s total assets reached over VND 2,440 trillion, a 17% increase from the beginning of the year. Customer loans grew by 15%, and customer deposits increased by 10%, both surpassing VND 1,670 trillion.
Another notable highlight is the significant improvement in VCB’s loan quality, with total non-performing loans as of December 31, 2025, decreasing by 31% from the beginning of the year to just over VND 9,646 billion. All categories of non-performing loans saw substantial reductions. Consequently, the non-performing loan ratio to outstanding loans decreased from 0.96% at the beginning of the year to 0.58%.
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VCB’s Loan Quality as of December 31, 2025. Unit: Billion VND
Source: VietstockFinance
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– 10:26 AM, January 31, 2026
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