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Vietnamese banks have reported a mixed but generally resilient set of first-quarter 2026 results, with several lenders posting double-digit year-on-year growth in pre-tax profit alongside steady expansion in assets, credit and deposits. Below is a consolidated roundup of key figures disclosed in recent quarterly reports and annual general meetings.
ABBank reported pre-tax profit of 1,500 billion VND in Q1 2026, up 268% year over year. By end-March 2026, total assets were over 250 trillion VND, up 13.48% from the start of the year. Customer loans rose 3.02% to 117.3 trillion VND, while customer deposits increased 9.93% to 146.6 trillion VND.
BIDV’s recently released consolidated quarterly report showed pre-tax profit of 8,571 billion VND, up 16% year over year. Total assets rose 1.7% in Q1 to 3,388 quadrillion VND. Customer loans grew 2.4% to more than 2,400 trillion VND, while customer deposits declined 3.6% to 2,140 trillion VND.
Issuance of debt papers increased sharply, with time deposits up 48.6% to more than 228 trillion VND, mainly driven by deposits below 12 months.
As of 31/3/2026, VietinBank’s total assets were up about 5.4% from year-end 2025, while credit and deposit aggregates rose about 1.7% versus end-2025. The non-performing loan ratio remained controlled and edged lower. Q1 2026 pre-tax profit rose roughly 56% year over year.
In Q1 2025, VietinBank reported standalone pre-tax profit of 6,036 billion VND and consolidated pre-tax profit of 6,823 billion VND. The article also notes an estimate that Q1/2026 pre-tax profit could exceed 10,000 billion VND.
At its AGM on 22/4, SHB reported end-Q1 2026 assets of about 930.9 trillion VND, up about 4.4% from end-2025. Customer funding stood at 672 trillion VND, up 4.5%, while lending reached 632.8 trillion VND, up 2.15% year over year. Pre-tax profit was 4,660 billion VND, up 7% year over year.
Capital adequacy and liquidity remained compliant, with CAR at 12.6% and LDR at 77%, well below the 85% regulatory cap. Liquidity reserves were reported at 17%.
OCB posted Q1 2026 pre-tax profit of 1,224 billion VND, up 37% year over year. Total assets reached 344,098 billion VND, up 6.5% from the start of the year and 19% year over year. Market 1 deposits were 232,284 billion VND, up 5.1% from year-start.
Customer loans reached 210,428 billion VND, up 2.6% from year-start and 14.1% year over year.
At its AGM on 22/4, Sacombank highlighted liquidity challenges and a higher cost of funding. Total assets were 861,000 billion VND, down 57,000 billion VND. Total deposits were 776,000 billion VND, down 60,000 billion VND, including 1st-market deposits down 18,000 billion VND.
The bank said it aimed to balance funding to meet credit demand, with credit liabilities at about 627,000 billion VND. Q1 2026 pre-tax profit was 3,572 billion VND, about 44% of the annual target, supported by cost-saving and efficient operations.
Techcombank reported Q1 2026 pre-tax profit of 8,869 billion VND, up 22.5% year over year and described as a historic high for Q1. Net interest income reached 9.5 trillion VND, up 14.6% year over year.
Despite higher funding costs and competitive funding pressures compressing NIM to 3.1% in the quarter, trailing 12-month NIM remained steady at 3.7%. Non-interest income rose to a historic high of 3.6 trillion VND. Operating costs were 3.87 trillion VND, up 17.8% year over year but down 19.8% quarter over quarter, improving the cost-to-income ratio to 28.3%.
Provisions were 935.3 billion VND, down 14.2% year over year. Total bank assets reached about 1.19 quadrillion VND. Within the regulatory credit limit, Techcombank reduced exposure to real estate to 28.9% of lending.
Asset quality remained strong, with non-performing loan ratio at 1.16% and loan loss coverage at 129.3%.
At its 2026 AGM, MB reported Q1 2026 credit growth of 3.3% to 1.146 quadrillion VND, while deposits rose 0.73% to 1.07 quadrillion VND. Revenue of the bank and subsidiaries reached 22,822 billion VND, up 21.5% year over year.
Consolidated pre-tax profit stood at 9,500 billion VND, with standalone banking pre-tax profit at 8,866 billion VND (up 15.3% year over year). The number of customers increased by 1.2 million in the quarter to 36.2 million.
ACB reported Q1 2026 pre-tax profit of 5,400 billion VND, up 56% quarter over quarter and 17% year over year. Loan growth was about 3.2% and deposits rose around 1%. The bank said it had completed about 24% of its annual profit target.
Nam A Bank posted Q1 2026 pre-tax profit above 1,620 billion VND, up 32.5% year over year. ROE was 21.5% and ROA was 1.3%. The growth was attributed to diversified income streams beyond traditional lending, improving overall efficiency.
Services income reached 147 billion VND (up 16%), and income from securities-related activities reached 90 billion VND (up 4.6x). By 31/03/2026, total assets were nearly 410,000 billion VND, deposits over 217,000 billion VND, and loans above 201,000 billion VND.
VPBank reported consolidated credit of 1.06 quadrillion VND, up 10.2% from end-2025, while the parent bank’s credit stood at 941 trillion VND, up 10.7%. Total consolidated assets rose about 9% to over 1.37 quadrillion VND.
Deposits and papers of value reached nearly 822 trillion VND, up 11.8% year over year, led by the parent. The loan-to-deposit ratio (LDR) was 82.7%, and short- and medium/long-term lending accounted for 28.3%.
Total operating income exceeded 19.9 trillion VND, up 26.3% year over year; the parent contributed 15.162 trillion VND, up 33.8%. After three months, VPBank’s consolidated pre-tax profit surpassed 7.9 trillion VND, up 58% year over year, nearing 20% of the year’s plan. The parent bank’s pre-tax profit was 7.383 trillion VND, up 49.4%.
LPBank posted Q1 2026 pre-tax profit of 2,826 billion VND, down 11% year over year. By 31/03/2026, customer loans were 403,026 billion VND, up 2.9% from end-2025 and 14.4% year over year. Deposits and market 1 funds reached 409,657 billion VND, up modestly from year-end 2025 and 17.9% year over year.
Total operating income for Q1 2026 was 5,154 billion VND, with net interest income at 3,878 billion VND (up 18% year over year). Loan loss provisions rose to 774 billion VND, nearly 3.9x the prior year’s level, reflecting prudent risk management and capital buffers to support asset quality amid market volatility.
PGBank reported total assets of 86,711 billion VND as of 31/3/2026. Market 1 deposits were 47,035 billion VND. Operating income before tax was 275.7 billion VND, up nearly 3x from Q1 2025, and the bank progressed toward about 20% of its 2026 annual plan.
VietABank recorded Q1 results with net interest income of about 676 billion VND and pre-tax profit of over 508 billion VND, up 44% year over year. The three-month performance highlighted positive momentum in lending and net interest income.
Across the reported lenders, the first quarter showed a mix of profit growth and balance-sheet expansion, with several banks benefiting from higher operating income and improved cost efficiency. At the same time, some institutions pointed to funding pressure or deposit declines, while others emphasized liquidity and capital compliance. Asset quality signals were described as controlled for certain banks, including VietinBank and Techcombank, where non-performing loan ratios and coverage metrics were reported as stable.
Source: Market views and bank disclosures.
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