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NCB reported robust business results for the first quarter of 2026. As of 31 March 2026, total assets were about VND 173,504 billion, up 6% from the end of 2025. Pre-tax profit exceeded VND 216 billion, rising from about VND 151 billion in Q1 2025, a 43% year-on-year increase.
Growth was broad-based across core income lines. Net interest income reached over VND 792 billion, up about 57%. Service income from banking activities rose to over VND 108 billion, up about 270% year-on-year.
On the funding side, total funding at the end of Q1 2026 (customer deposits and issued securities) increased by about 6% year-on-year to nearly VND 139,110 billion. By 31 March 2026, total loans to customers stood at over VND 116,876 billion, up 20% from 31 December 2025.
NCB said the ratio of non-performing loans and overall loan portfolio quality continued to improve, reflecting its asset-quality control and debt-resolution efforts in line with the PACCL plan.
Relative to its 2026 business targets, the bank reported completion of 91% of the total asset plan, 89% of lending targets, and 88% of funding targets for 2026.
At NCB’s 2026 annual general meeting, the bank’s business plan was approved with total assets of VND 189,912 billion, up 16% from 2025. Customer deposits are targeted at VND 158,685 billion, up 20% from end-2025, including demand deposits of VND 15,312 billion, up 33% from end-2025, lifting the CASA/Total deposits ratio to 9.6%.
The lending target is VND 131,686 billion, up 35% from 2025. The pre-PACCL profit target is VND 1,416 billion, up 49% from 2025. NCB said it will use all profits to execute PACCL ahead of schedule and pursue sustainable growth.
The bank also announced an early capital raise to VND 29,280 billion in 2026, the fourth such increase in five years (2022–2026), which NCB said underscores its capital safety and capacity to support expansion.
NCB plans to focus on individual customers in major urban areas, tap into partner ecosystems, collaborate with leading construction and supply firms, participate in key national projects, and diversify funding from interbank markets and investment funds.
On digital transformation, NCB plans to launch a Super App, described as an integrated platform combining traditional banking services with digital wealth management and a digital-branch network. The bank said it would be the first Vietnamese bank to offer an all-in-one platform.
To support national tourism digitization, NCB is developing solutions to turn payments into a competitive advantage for Vietnamese tourism and to attract international visitors. As a strategic partner of Visit Vietnam’s national travel-data platform, NCB is developing the iziPay payments solution integrated on the platform, enabling travelers to book services and pay directly within the network at nationwide acceptance points.
NCB also said it pioneered QR payments for international visitors, allowing travelers to Vietnam to pay conveniently via the NCB app or the domestic wallet of their home country. The solution is connected with markets including China (Alipay, UnionPay), Korea (GLN, Hana Financial Group, Naver Pay), Thailand, Laos, Cambodia, and is set to expand to Japan and Singapore.
NCB said it will continue expanding two-way payments with partners, enabling NCB customers to use the NCB iziMobile app to scan QR codes for payments in other countries.
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