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On April 23, 2026, KienlongBank Joint Stock Commercial Bank held its 2026 Annual General Meeting (AGM) online. Shareholders approved, with high consensus, a series of key items related to the bank’s strategy and business direction for the coming period.
At the AGM, KienlongBank’s leadership said 2025—marking the bank’s 30th anniversary—was a pivotal year with the strongest business results in its history. Despite macroeconomic challenges, the bank reported pre-tax profit of VND 2,323 billion, reaching 168% of its plan.
The bank also highlighted that key performance indicators, including return on equity (ROE), net interest margin (NIM), and return on assets (ROA), were among the top in the sector.
KienlongBank attributed the 2025 performance to its “Breakthrough in the digital era” strategy. It said 98% of customer transactions were conducted through digital channels. The bank also reported that the launch and application of Kiloba AI in core processes helped optimize operations, reduce costs, and personalize customer experiences, while improving the accuracy of risk management.
Shareholders overwhelmingly supported the strategic proposals presented at the AGM, reaffirming confidence in the bank’s sustainable development direction for the new period.
For 2026, the bank set a target pre-tax profit of VND 2,600 billion, up 12% compared with the record 2025 result. It also expects scale and financial health indicators—such as total assets, deposits, and lending—to grow in the 12%–14% range.
The AGM approved increasing charter capital to over VND 7,500 billion. The bank also maintained an attractive 2026 dividend policy of 29.5%, aiming to balance investor returns with its long-term growth strategy.
The AGM approved relocating the bank’s headquarters from An Giang to Dong Nai province. The bank said Dong Nai has the country’s fourth-largest economy and is expected to become a centrally-administered city on April 30, 2026. KienlongBank said it will leverage this to co-create a smart city and an innovation-driven ecosystem.
In early 2026, KienlongBank reported Q1 2026 pre-tax profit of VND 522 billion, up 50% year-on-year. The bank said the result reflected cost savings from technology adoption and a safe, efficient credit and funding mix.
The management stated: “By optimizing processes through AI and streamlining the 5.0 workforce framework, the bank is confident of further improving governance and achieving the objective of becoming a comprehensive digital bank, delivering superior value to shareholders and the community.”
The 2026 AGM concluded successfully, and KienlongBank said its growth trajectory remains ambitious yet practical, with capital and technology ecosystem decisions intended to strengthen internal resources and unlock new growth opportunities.
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