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The year 2025 marks the 30th anniversary of KienlongBank’s establishment and a period in which the bank is harvesting results from a comprehensive restructuring strategy. Compared with the pre-2020 period—when the bank operated out of sync with the market, saw revenue erosion, and recorded capacity utilization (ROE) of only 1.78%—2025 results show a markedly different performance. For the first time in its history, KienlongBank surpassed 2,323 billion VND in pre-tax profit and ranked second in the sector for capital efficiency, with ROE reaching 22.11%.
The improvement is attributed to the “Digital First” strategy implemented rigorously since 2021. Rather than focusing only on surface digitization, KienlongBank restructured its core operations. Over the past five years, total assets nearly doubled to 103,000 billion VND.
Key performance indicators in 2025 reflect both growth and efficiency. Net interest margin (NIM) reached 4.11%, placing the bank in the top 3 in the sector. Return on assets (ROA) was 1.79%, ranking in the top 4. The bank also maintained non-performing loans below 2%, supported by a systematic governance model that enables strong scale growth while preserving risk discipline.
The business turnaround translated into tangible value for shareholders. In 2025, KienlongBank paid a 60% dividend, and KLB shares led the banking group in price appreciation, rising by 131%. The bank’s listing on HOSE and a capital increase completed over the past year also improved liquidity and reinforced the group’s commitment to transparency and international governance standards.
The bank’s leap is closely linked to its digital technology platform. More than 98% of KienlongBank’s transactions are conducted through digital channels, enabling customers to manage finances entirely online. The platform is being upgraded with KiloBa AI, a self-developed artificial intelligence system designed to personalize experiences and optimize operations. The next stage will move from automation to forecasting customers’ financial needs, aiming to set a new standard for next-generation banking services.
Ahead of the 2026 AGM, KienlongBank targets pre-tax profit of around 3,000 billion VND and plans to raise charter capital to over 7,500 billion VND. The bank also plans to continue paying dividends of up to 29.5% to shareholders. Management said this is intended to expand investment capacity in strategic technology, supporting sustained growth over the five-year cycle without compromising asset quality.
Alongside strengthening internal capabilities, KienlongBank plans to expand its digital footprint across key nationwide markets, with Đồng Nai identified as a strategic hub as it works toward building financial infrastructure for smart cities and innovation.
With the commitment “Innovation to lead,” KienlongBank is entering a new strategic phase, aiming to maintain a top position in efficiency within the joint-stock commercial banks sector and to ensure sustainable growth and long-term value for shareholders.
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