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Tomorrow (April 24), Vietnam Joint Stock Commercial Bank for Investment and Development (BIDV, ticker: BID) will hold its 2026 Annual General Meeting of Shareholders (AGM). The bank will seek shareholder approval for key matters including the 2026 business plan, a plan to increase charter capital, and the dividend distribution for the year.
BIDV is expected to present to the AGM a target total asset growth of 5–10% for 2026, with credit outstanding maintained in line with the approved limit and pre-tax profit aligned with the level approved by the State Bank of Vietnam (NHNN).
The bank also plans to keep the non-performing loan (NPL) ratio at not higher than 1.6% and maintain safety and operational risk controls in accordance with NHNN regulations.
In 2025, BIDV reported leadership in scale within Vietnam’s banking system, with total assets surpassing 3.26 quadrillion dong for the first time, up 20.5% year-on-year. Deposits and lending increased by 13.7% and 15.2%, respectively. Asset quality was controlled, with an NPL ratio of 1.26%.
On profitability, BIDV’s standalone pre-tax profit reached 35,509 billion dong, up 15.7% and above the planned target. The bank’s return on equity (ROE) stood at 19%. The standalone minimum capital adequacy ratio (CAR) reached 9.05%, while the loan-to-deposit ratio (LDR) for the domestic banking segment was 81.81%.
At the AGM, BIDV will also present its 2025 profit distribution plan, with a focus on strengthening financial capacity and increasing charter capital. After-tax profit for 2025 was 28,445 billion dong. After adjustments, accumulated undistributed profits rose to 28,459 billion dong.
BIDV plans to allocate total funds of more than 15,179 billion dong, including amounts to the capital reserve, financial reserve, development investment fund, and welfare bonuses. After these allocations, remaining profit is about 13,279 billion dong. After adjusting for exchange rate differences, remaining profit before dividend payout was 13,205 billion dong.
According to the bank, all of this profit is expected to be used to pay dividends via stock dividends, thereby increasing charter capital, subject to regulatory approval.
BIDV said it will assign the Board of Directors to implement the profit distribution plan and decide the timing of closing the shareholder list, as well as the form of dividend payout, after approval by the competent authorities.
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