OCB's 2026 profit target up 39% to 6.96 trillion dong; capital increase to exceed 30.625 billion dong

On April 15, 2026, in Ho Chi Minh City, OCB – Orient Commercial Bank – held its 2026 Annual General Meeting (AGM) to report 2025 business results, outline the 2026 business plan, and discuss key agenda items.

2025 performance highlights

OCB said 2025 net interest margin improved and core business activities remained solid, supporting the bank’s growth foundation for 2026. By 31/12/2025, total assets reached VND 322,949 billion. Mobilization on Market 1 stood at VND 220,958 billion, while Market 1 loan balance was VND 205,065 billion.

The bank reported green lending exceeding VND 21,000 billion. Net interest income was VND 11,590 billion and pre-tax profit was VND 5,022 billion.

2026 business plan and targets

OCB’s 2026 targets include total assets of VND 354,214 billion (up 10% year-on-year). Market 1 mobilization is set at VND 251,919 billion (up 14%), and Market 1 loans at VND 235,875 billion (up 15%). Pre-tax profit is targeted at VND 6,960 billion, up 39% from 2025.

The bank said it will maintain safe liquidity and regulatory compliance. It plans to focus on operational efficiency, expand credit growth in strategic segments while managing asset quality, increase non-interest income, digitize and optimize operations, and enhance customer experience.

Capital increase proposal

At the AGM, OCB proposed issuing about 399.46 million shares (15%) to raise capital from existing shareholders at a par value of VND 10,000 per share, for total proceeds of roughly VND 3,995 billion. If approved and completed, charter capital would increase from VND 26,631 billion to VND 30,625 billion.

Board and AGM agenda items

The AGM also included the appointment of one additional independent director, Le Xuan Nghia, for the 2025–2030 term, bringing the board to eight members, including two independent directors.

Other proposals discussed and put to vote included approval of the 2025 financial statements, profit distribution and reserve plans for 2025, the 2026 capital increase plan, compensation and costs for 2025 and 2026, appointment of an independent auditor, and other AGM matters.

Shareholder discussion and management responses

Shareholders asked how OCB would achieve its 2026 net profit target amid macro uncertainty and rising costs. Management responded that the approach would combine credit growth in SMEs and FDI, expansion into new areas such as agriculture and technology, and stronger fee income. It also cited cost control through technology, asset quality management, and debt collection efforts.

Shareholders also discussed concerns about OCB shares being undervalued. Management said it would maintain transparency in accounting and expects a return to ROE above 15% as the cycle normalizes.

Strategic direction and ESG/green banking

OCB shared its long-term vision to be among the top 5 privately held banks by 2030 in terms of efficiency and sustainable growth, shifting from product-driven to solution-driven banking within a broader financial ecosystem.

Representatives from Aozora Bank highlighted ongoing restructuring and a continued shift toward fee-based income, alongside the maintenance of strategic partnership.

On ESG and green banking, OCB emphasized its initiatives and said green lending is expected to account for about 9–10% of total loans by year-end 2026 (compared with around 10.7% in 2025). The bank also noted continued access to international funding through institutions including IFC and DEG.

The AGM concluded with votes on the presented proposals and closing remarks on the bank’s future direction.