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After reaching a record profit milestone of more than VND 2.323 trillion and successfully completing the five-year restructuring plan, KienlongBank is preparing to enter a new growth cycle for 2026–2030 with the mindset of a modern digital bank, prioritizing efficiency and shareholder value. The great transformation after three decades of development In 2025, not only did it mark the 30th anniversary of the bank's founding, it was also the moment KienlongBank reaped the rewards of a comprehensive reform strategy. Compared with the pre-2020 period when KienlongBank operated in a market-disconnected mode, with costs eroding most revenue and capital efficiency (ROE) at only 1.78%, the 2025 business results show a completely different profile. For the first time in its history, the bank surpassed the pre-tax profit of VND 2.323 trillion, ranking among the top two in the sector for capital efficiency with an ROE of 22.11%. This change stems from the “Digital First” strategy implemented vigorously since 2021. Going beyond surface digitization, KienlongBank has carried out a core operating overhaul, causing total assets to nearly double over five years, reaching VND 103,000 billion. Notably, net interest margin (NIM) reached 4.11% (Top 3 in the sector) and ROA 1.79% (Top 4 in the sector). Maintaining non-performing loans below 2% reflects a systematic governance model, enabling rapid scale growth while upholding risk discipline. Value to shareholders and the driving force from core technology The strong business results have directly benefited shareholders. In 2025, KienlongBank paid a 60% dividend, while its stock [KLB] led the banking group in price appreciation by 131%. The listing on HOSE and the capital increase completed in the past year not only improved liquidity but also underscored the bank’s commitment to transparency and governance consistent with international standards. The driver of this breakthrough is the digital technology backbone. Today, more than 98% of KienlongBank's transactions are conducted through digital channels, enabling customers to complete financial activities entirely online. This platform is being upgraded by KiloBa AI – a self-developed artificial intelligence system designed to personalize the experience and optimize operations. The direction for the next phase is to move from automation to the ability to forecast financial needs, establishing a new standard for next-generation banking services. 2026 goals and the strategic outlook 2026–2030 Looking toward the 2026 AGM, KienlongBank sets a target pre-tax profit approaching VND 3,000 billion and plans to raise the charter capital to over VND 7,500 billion. At the same time, the bank also expects to continue paying dividends of up to 29.5%. This is an important step to expand its capacity to invest in strategic technology – a springboard to sustain growth over the next five years without compromising asset quality. Alongside strengthening internal capabilities, KienlongBank has identified plans to expand its digital footprint across the country. Dong Nai is identified as a strategic area in the plan to become a financial infrastructure builder for smart cities and innovation. With the commitment “Innovate to lead,” KienlongBank is entering a new strategic cycle with the aim of maintaining leadership in efficiency within the private commercial banking group, ensuring sustainable growth and long-term value for shareholders.
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