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In 2025, Vietcombank maintained its position as the leading bank in the system in terms of size and operating efficiency, while closely controlling asset quality and safety indicators. Total assets reached over 2.4 quadrillion VND, up about 17% from the end of 2024. Market funding reached about 1.7 quadrillion VND, up more than 10.4%, exceeding the AGM’s plan.
Credit outstanding was about 1.7 quadrillion VND, up 15%, with a focus on manufacturing and business sectors and priority sectors, supporting the recovery and development of the economy. Pretax consolidated profit reached over 44 trillion VND, up 4.2% year-on-year. Efficiency indicators remained strong, with ROA around 1.6% and ROE above 16%. Vietcombank also remained the largest capitalization among listed banks in Vietnam.
Asset quality was carefully controlled, with the nonperforming loan ratio below 1%, significantly lower than the market average, and loan loss reserves maintained at a high level. The capital adequacy ratio met Basel II standards and was gradually approaching Basel III. Vietcombank continued to hold the highest credit rating in Vietnam, equivalent to the sovereign ceiling by international agencies including S&P, Moody’s, and Fitch Ratings.
Overall, the results reflected a solid financial foundation, stable leadership, and flexible resilience in a market with continued volatility.
At the AGM, shareholders approved Vietcombank’s 2026 operating direction, targeting reasonable growth, risk control, and improved efficiency, aligned with macroeconomic developments and the State Bank of Vietnam’s guidance.
Vietcombank aims to grow total assets at a reasonable level, adjusting in line with the credit limit allocated; credit growth in line with SBV targets; and deposits growth matching credit demand. The bank also targeted the ratio of bad debts to remain under 1.5%, reflecting its strategy to maintain asset quality and effective risk management.
A key item approved by shareholders was a plan to increase charter capital from the capital reserve. Vietcombank plans to issue up to more than 1.068 billion shares to existing shareholders, with a par value of 10,000 VND per share, corresponding to a total issue value of over 10,686 billion VND.
The capital increase is intended to strengthen Vietcombank’s capital adequacy ratio, meet Basel III standards, and create room to expand operations, invest in digital transformation, and modernize the bank. The plan is described as a strategic step toward Vietcombank’s 2030 vision to be among the 100 largest banks in the Asia-Pacific region, while enhancing its role as a pillar bank of the economy.
The AGM also approved the appointment of Mr. Nguyen Ngoc Minh, Deputy Director of the State Bank of Vietnam’s Foreign Exchange Administration, to Vietcombank’s Supervisory Board for the 2023–2028 term. The bank said strengthening the Supervisory Board will improve oversight and support independence and effectiveness in the internal control system.
In addition, shareholders approved a plan to establish a 100% domestically owned commercial bank at the Vietnam International Financial Center (VIFC), with charter capital of 3,000 billion VND. The initiative is intended to open new development space and enable Vietcombank to participate more deeply in the regional and global financial value chain under the special regulatory framework.
Vietcombank continues to integrate sustainability (ESG) into its business strategy, including promoting green credit. The bank reported a loan portfolio near 41,000 billion VND for this focus area, reflecting a growth orientation linked to social and environmental responsibility.
At the meeting, all resolutions were passed with high consensus, setting the groundwork for implementing the 2026 plan. With a solid financial foundation and stable governance, Vietcombank said it will continue to play a leading role—accompanying people and businesses, supporting macroeconomic stability, promoting growth, and enhancing national competitiveness in the new development era.
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