In 2025, PGBank witnessed significant growth across most of its business operations compared to the previous year.
Net interest income surged by 19%, reaching over 1.971 trillion VND. Service-related profits skyrocketed 7.7 times to nearly 133 billion VND, driven by increased revenue from treasury services, business services, insurance, and other sources.
Additionally, foreign exchange trading yielded a profit of over 93 billion VND, a stark contrast to the mere 251 million VND earned the year before. Trading activities in securities turned a loss into a profit of nearly 62 billion VND. Other operations also generated a profit of nearly 278 billion VND, an increase of 33 billion VND, attributed by PGBank to intensified debt recovery efforts, particularly in principal and interest collections utilizing provisions in the fourth quarter.
Operating expenses for the year rose by 16% to 1.127 trillion VND. Consequently, net profit from business operations soared by 65% to 1.412 trillion VND.
PGBank also increased its credit risk provisions by 49%, setting aside over 643 billion VND. As a result, the bank’s pre-tax profit exceeded 768 billion VND, an 81% increase compared to the previous year.
Surpassing its 2025 pre-tax profit target of 716 billion VND by 7%, the bank demonstrated strong performance.
In the fourth quarter alone, the bank’s pre-tax profit reached nearly 273 billion VND, a 3.6-fold increase compared to the same period last year.
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PGB’s Q4 and 2025 Business Results. Unit: Billion VND
Source: VietstockFinance
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By the end of 2025, the bank’s total assets had grown by 22% compared to the beginning of the year, reaching nearly 88.882 trillion VND. Customer loans increased by 12% to 46.340 trillion VND, while customer deposits rose by 12% to 48.460 trillion VND.
PGBank’s total non-performing loans as of December 31, 2025, remained roughly the same as the beginning of the year, at approximately 1.092 trillion VND. The non-performing loan ratio to outstanding loans decreased from 2.57% at the beginning of the year to 2.36%.
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PGB’s Loan Quality as of December 31, 2025
Source: VietstockFinance
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– 11:44 27/01/2026
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