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At the ordinary general meeting of shareholders held on the morning of April 24, BIDV’s leadership said the interest-rate environment has faced significant pressures amid intermittent liquidity strains in the market, which directly affect funding costs and banks’ net interest margin (NIM). The State Bank has issued guidance aimed at stabilizing interest rates, including measures to prevent further rate increases that could affect households and businesses.
According to BIDV’s management, the regulator has implemented steps to stabilize the money market. These include potential adjustments to regulations to support liquidity for commercial banks, creating room to reduce interest rates in the period ahead. BIDV expects the interest-rate environment to gradually stabilize and possibly ease compared with the early part of the year.
BIDV reported positive performance in the first quarter of 2026:
The 2026 ordinary general meeting approved the bank’s business plan, including a target for total assets growth of 5–10%. BIDV said its credit exposure execution follows the credit growth limit approved by the State Bank (NHNN). The bank also noted that its projected pre-tax profit for 2026 is subject to approval by relevant government authorities.
BIDV also plans to significantly increase charter capital to near 100,000 billion VND. Current charter capital is 70,213 billion VND, and the bank plans to raise capital by up to 26,757 billion VND to reach 99,558 billion VND.
The capital increase will include issuing additional shares to investors through private placement or a public offering, with a maximum offering of 780 million shares (equivalent to 10.7142%). The implementation period is expected to be 2026–2027.
Management said BIDV is working to improve its CAR in the coming years, expecting it to reach 10% next year. The ratio currently remains above 9%, meeting the NHNN’s minimum requirement of 8%. However, given the pace of asset growth, BIDV said it needs a capital-raising plan to support future growth, while noting that such increases depend on multiple factors and approvals from authorities.
Shareholders also approved BIDV’s development strategy through 2030, with a vision to 2045. The bank aims to become the leading Southeast Asia financial-banking group—strong and green—in the region, and to be among the top 100 banks in Asia by 2030 and top 50 by 2045.
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