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On the morning of 25 April 2026 in Hanoi, VietABank (VAB) held its 2026 Ordinary General Meeting of Shareholders (AGM). The meeting approved all proposals and key resolutions, including a plan to increase charter capital by more than 55% to VND 12,688 billion, restructure the asset portfolio, and accelerate digital transformation.
The AGM approved VietABank’s 2026 business plan with the following key indicators:
The AGM approved increasing charter capital by more than 55% to VND 12,688 billion. Funding will come from three channels: issuing shares from retained earnings to pay dividends to current shareholders at 15%, a rights issue to existing shareholders at about 38%, and an ESOP of 2.45%.
The new capital is intended to scale operations, invest in technology, and strengthen the bank’s financial capacity.
In 2025, VietABank reported total assets of VND 140,486 billion, deposits and debt instruments of VND 104,039 billion, and credit of VND 88,742 billion. Asset quality improved, with the non-performing loan (NPL) ratio falling to 1.31% from 1.37% at end-2024.
Profitability indicators also improved: ROA reached 1.01% and ROE 13.9%. Pre-tax profit was VND 1,646 billion, about 126% of the plan, supported by asset-portfolio restructuring and cost control. Net interest margin (NIM) stood at 2.83% and the cost-to-income ratio (CIR) at 25.68%.
In Q1 2026, VietABank reported profit of VND 508 billion, up 44% year-on-year, nearing 26% of the full-year plan. Net interest income approached VND 676 billion. Service income rose by more than 64%, lifting its share of total net income to 8.4%.
Digital transformation remains a strategic pillar. In Q1 2026, VietABank deployed a digital tax submission solution for micro-businesses, integrating sales management, e-invoicing, and payments. By mid-2026, the bank plans to complete a digital platform for corporate customers covering three segments: individuals, micro businesses, and enterprises.
Alongside digitization, VietABank will pursue strategic customer segments through its network in pharmaceuticals, healthcare, education, import–export, and logistics. The bank also plans to integrate QR payments into everyday life to optimize customer touchpoints and increase service usage and fee-based revenue.
At the AGM, Mr. Nguyen Van Trong, board member and CEO of VietABank, said: “In 2026, the bank will prioritize technology investment, portfolio restructuring, and a business model overhaul, aligning with operational efficiency, asset growth with quality control, and continued capital expenditure for facilities and governance improvements.”
With shareholder consensus on the approved resolutions and positive results from 2025 alongside early 2026 momentum, VietABank said it is positioned to enter a new growth phase.
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