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FE CREDIT says it is returning to a growth trajectory supported by an improved financial platform, a differentiated business strategy, and stronger governance and risk controls. The company frames 2026 as the start of a new growth cycle, built on technology, a comprehensive financial orientation, and the strengthening of its ecosystem with VPBank’s financial ecosystem.
After a period of volatility, FE CREDIT says it did not pursue growth at any cost. Instead, it chose to “start over from the ground up” through a comprehensive restructuring, which the company describes as a difficult but pivotal decision aimed at laying the foundation for more sustainable long-term growth.
The company is shifting toward a customer-centered model, with technology as the pillar. It says this orientation is reflected in initiatives designed to broaden access to finance and improve the user experience.
FE CREDIT highlights the completion of FE ONLINE 2.0’s core features. It describes FE ONLINE 2.0 as a multi-purpose financial app that improves operational efficiency and serves as central infrastructure to help FE CREDIT reach deeper into the mass market, meeting financial needs quickly and flexibly in the digital era.
FE CREDIT also points to its consumer finance model that pioneered after-sales programs aimed at helping customers build and maintain positive financial behaviors, including paying on time, using cashless transactions, and using financial services responsibly.
In addition, FE CREDIT says it adjusts products in response to market movements. It cites a loan package offering a 50% interest-rate discount to support people in disaster-affected areas, describing it as an industry-leading initiative. The company says integrating social responsibility into product development helps it respond to risks promptly while expanding credit access to vulnerable groups, aiming to balance growth, risk management, and sustainable development.
On governance, FE CREDIT says it is tightening risk governance and restructuring its lending portfolio more cautiously. It reports that it is adjusting credit policies, segmenting customers clearly, and applying data and technology to underwriting processes to better control credit risk in a volatile market.
FE CREDIT says the results achieved in 2025 show the strategy is on track. The company reported total revenue of VND 16,500 billion and pre-tax profit of VND 611 billion. It also reported that pre-tax profit rose 19.3% year-over-year, marking the second consecutive year of profit.
FE CREDIT describes the next phase as an acceleration period following what it calls a “structural” phase. It says new growth drivers will come from ecosystem synergy and technology.
One differentiating advantage, according to the company, is leveraging the ecosystem and more than 30 million VPBank customers. FE CREDIT says it is diversifying its product portfolio and strengthening distribution channels to increase both the number and quality of customer touchpoints. It adds that it is analyzing customer behavior and needs more deeply to build the basis for cross-selling solutions.
In a January 2026 report, a research team from BIDV Securities (BSC) said: “Positive sign is the more uniform improvement observed on both the parent bank side and FE CREDIT.”
FE CREDIT also cites support from two major financial institutions—VPBank and SMBC—as helping strengthen and optimize its capital base, allowing it to be more proactive in designing financial products for different customer segments.
FE CREDIT says digitization is not only a growth driver but also the foundation for fulfilling its inclusive finance mission. It highlights continued development of the FE ONLINE 2.0 platform, which it says enables a wide range of financial services, personalized experiences, and deeper penetration into the mass market.
The company also says it uses big data and analytics to better understand customers and design flexible products tailored to different situations, which it considers especially important in consumer finance where customer behavior and repayment capacity can vary significantly.
Nguyen Thi Minh Nguyet, General Director of FE CREDIT, said: “Digitization is not only a growth driver but the foundation for FE CREDIT to fulfill its mission of inclusive finance. After laying the groundwork in 2025, 2026 is the year we accelerate the strategy, expanding access to consumer finance for new generations of customers and underserved groups in traditional banking.”
For 2026, FE CREDIT says it aims to accelerate access to new segments such as Gen Z and underbanked customers, which it describes as having high financing needs but not being fully served yet. The company says this is an important growth gateway for the next development phase.
In a recovering market, FE CREDIT says it is choosing a selective approach rather than pursuing growth at any cost. It says the combination of a technology platform, ecosystem strength, and post-restructuring governance creates a new balance where growth and safety can go hand in hand.
As it enters a new development stage, FE CREDIT says it remains committed to the motto “Fast – Easy – Trusted,” aiming to deliver transparent, convenient, and secure financial experiences and to build the foundation for sustainable long-term growth.
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