Eximbank profits over 1,488 billion VND in the first half of the year
Vietnam Export Import Commercial Joint Stock Bank (Eximbank) has just announced its business results for the first 6 months of 2025, recording pre-tax profit of VND 1,488.5 billion, up 0.97% over the same period. In the second quarter of 2025, Eximbank achieved a profit of VND 656.9 billion.
In the first 6 months of the year, Eximbank has achieved 28.7% of the 2025 profit plan approved by the 2025 Annual General Meeting of Shareholders (pre-tax profit target of VND 5,188 billion).
In the first 6 months of the year, the Return on Assets (ROA) ratio reached 0.47%; Return on Equity (ROE) ratio reached 4.55%.
As of June 30, 2025, Eximbank's total assets continued to grow, reaching VND 256,442 billion, up 6.95%, equivalent to an increase of VND 16,673 billion compared to the beginning of the year. Total mobilized capital reached VND 225,517 billion, up 7.36% compared to the beginning of the year. Of which, the CASA ratio (non-term deposits) reached VND 24,141 billion, up 3.6% compared to the beginning of the year.
Eximbank's credit grew 9.8% to VND184,663 billion, focusing on import-export customers, consumer credit...
The capital safety ratio (CAR) fluctuates around 12%, the ratio of short-term capital used for medium and long-term lending is always lower than the maximum limit of 30% set by the State Bank; the LDR ratio is always guaranteed to be below 85% according to the State Bank's regulations.
Saigonbank's second quarter profit decreased by 22% compared to the same period last year.
Saigon Joint Stock Commercial Bank for Industry and Trade (Saigonbank) has also just announced its financial report for the second quarter of 2025 with pre-tax profit reaching 76 billion VND, down 22.2% over the same period last year.
In the first 6 months of the year, the bank earned a pre-tax profit of VND175 billion, up 5% over the same period; after-tax profit reached VND140 billion, up 5.6%. With the above results, the bank has achieved more than 58% of the annual profit plan (VND300 billion).
As of June 30, 2025, Saigonbank's total assets increased by 5.7% compared to the beginning of the year, to VND 35,141 billion. Meanwhile, outstanding loans to customers reached VND 20,261 billion, down 7.2% compared to the end of 2024.
Customer deposits reached VND25,595 billion, up 4.8%. Saigonbank's bad debt balance as of June 30 was VND650 billion, up 11.9% compared to the end of 2024. The bad debt/loan balance ratio increased from 2.66% to 3.21%.
SHB profits over 8,900 billion in the first half of the year
Saigon – Hanoi Commercial Joint Stock Bank (SHB) has just announced its business results for the first 6 months of the year with pre-tax profit reaching over VND8,913 billion, up 30% and fulfilling 61% of the yearly plan. Of which, pre-tax profit in the second quarter reached over VND4,500 billion, up 59% over the same period last year.
Cost-to-income ratio (CIR) is controlled at 16.4% - one of the lowest in the industry. ROE is above 18%.
As of June 30, 2025, SHB's total assets reached nearly VND 825 trillion. Of which, outstanding loans to customers exceeded VND 594.5 trillion, up 14.4% compared to the beginning of the year and up sharply 28.9% over the same period.
Customer deposit growth reached 12.4% - twice as high as the industry growth rate (6.11% as of June 26, 2025).
The non-performing loan (NPL) ratio according to Circular 31 was controlled at a low level. Group 2 debt decreased sharply to only 0.3%, expanding room for improving asset quality. Safety indicators continued to be well maintained: the loan-to-deposit ratio (LDR) and the ratio of short-term capital used for medium and long-term loans were both within the limits prescribed by the State Bank. The consolidated capital adequacy ratio (CAR) always remained stable at over 11%.
MB's profit increased by nearly 18%, temporarily leading the industry when Vietcombank has not announced it yet.
MB recently announced its business results for the first 6 months of the year with the bank's own pre-tax profit reaching more than 15,500 billion VND, equivalent to a growth rate of 17.9%. Consolidated profit reached nearly 15,900 billion VND, an increase of 18% over the same period in 2024.
With the above figures, MB is currently the bank with the highest 6-month profit among the banks that have announced business results.
As of June 30, 2025, MB's total consolidated assets reached nearly VND 1.3 million billion, up 14.2% compared to the end of 2024. Of which, customer loans reached nearly VND 880,000 billion, up 13.3% compared to the beginning of the year. The bank's bad debt ratio was kept at 1.6% and the bad debt coverage ratio for provisions reached 88.9%.
Customer deposits also recorded an increase of 9.7%, reaching over VND783,000 billion. Of which, demand deposits (CASA) continued to be a bright spot, reaching nearly VND297,000 billion, accounting for 37.9% of total customer deposits.
BIDV: Pre-tax profit for 6 months reached 15,200 billion VND, credit increased by 6.1%
At the end of the first 6 months of 2025, BIDV's main business targets were in line with the set plan. Of which, outstanding credit reached VND 2.14 million billion (up 6.1%), capital mobilization reached VND 2.29 million billion (up 7.2%). Net service revenue reached VND 2,802 billion. Pre-tax profit reached VND 15,200 billion, completing 46% of the yearly plan. BIDV also increased its charter capital to more than VND 70,000 billion, consolidating its financial potential and ensuring safe operations according to international practices.
Previously, in the first quarter of 2025, BIDV's consolidated pre-tax profit was VND 7,019 billion, and individual pre-tax profit was VND 7,413 billion.
Techcombank: Pre-tax profit in the first 6 months of the year reached 15,135 billion VND
According to the recently announced financial report for the second quarter of 2025, Techcombank recorded pre-tax profit in the second quarter of 2025 of VND 7,898 billion, an increase of 0.92% compared to the second quarter of 2024. Accumulated in the first 6 months of the year, Techcombank's pre-tax profit reached VND 15,135 billion.
In Techcombank's key business segments, net interest income decreased by 2.98% to VND17,442 billion. The reason was that the cost of paying interest on deposits, paying interest on issuing valuable papers, etc. increased more strongly than the interest income on loans, etc. Profits from service activities, foreign exchange trading and securities trading were not as good as the same period.
Notably, Techcombank's scale reached an important milestone when total assets exceeded VND1 quadrillion, up 6% compared to the beginning of the year. Techcombank's outstanding customer loans increased by 12.44% to over VND710 trillion.
Customer deposits increased by 2.19% to over VND545 trillion. Issuance of valuable papers (deposit certificates, bonds) increased sharply by 22.73%, reaching over VND172 trillion. Non-term deposits and Automatic Profit balances both increased sharply.
VPBank: Pre-tax profit for 6 months reached over 11,200 billion VND, up 30%
By the end of the first half of 2025, VPBank will become the private bank with the largest total assets, with a consolidated figure exceeding VND 1.1 million billion, while individual banks will also approach VND 1.05 million billion. Of which, VPBank's consolidated credit balance will reach over VND 842,000 billion, up 18.6% compared to the beginning of the year and 30.3% over the same period, with contributions from both the parent bank and its subsidiaries.
VPBank's consolidated pre-tax profit in the first half of the year reached VND11,229 billion, up 30% year-on-year. In the second quarter alone, profit was VND6,215 billion, exceeding the expectations of many securities companies.
After 6 months, the bank has achieved 44% of the annual profit plan, and is very close to the total assets target by the end of the year (1.13 million billion VND).
ACB: Pre-tax profit in the first 6 months of the year reached 10,690 billion VND, up 2%
In the second quarter of 2025, ACB recorded pre-tax profit of VND6,100 billion, up 33% over the previous quarter, mainly due to a 68% increase in non-interest income and a 26% decrease in provision expenses. Accumulated for the first 6 months, pre-tax profit reached VND10,700 billion, up 2% over the same period. ROE continued to remain high at over 20%, while the cost-to-income ratio (CIR) remained at 32%.
ACB's outstanding credit balance reached VND634,000 billion, up 9.1% compared to the beginning of the year, with a balanced structure between individuals and businesses. The bad debt ratio before CIC decreased to 1.18%, and after CIC was 1.26% compared to 1.49% at the end of 2024.
Capital mobilization grew in tandem, reaching VND707,000 billion, up 10.6%, of which customer deposits accounted for more than VND567,000 billion, up 5.6%. The CASA ratio continued to improve, reaching 22.6%.
LPBank recorded pre-tax profit in the second quarter of 2025 at VND 2,988 billion, down 1.5% over the same period. In the first 6 months of 2025, LPBank's pre-tax profit reached VND 6,164 billion, up 4.1% over the first 6 months of 2024. This is LPBank's highest first-half profit ever.
In the first half of the year, LPBank's total operating income reached VND9,601 billion, of which non-interest income accounted for 27%, up 17.3% over the same period last year. The cost-to-income ratio (CIR) was 28.92%.
In terms of scale, LPBank's outstanding credit balance reached VND368,727 billion, up 11.2% compared to the beginning of the year. The bank's total assets by the end of June reached VND513,613 billion. LPBank's bad debt ratio was also controlled at 1.74%.
At the end of the first 6 months of 2025, VIB recorded total operating income of more than VND 9,700 billion, pre-tax profit reached over VND 5,000 billion, up 9% over the same period.
As of June 30, 2025, VIB's total assets reached over VND530,000 billion, up 8% compared to the beginning of the year. Outstanding credit balance exceeded VND356,000 billion, up 10%.
Customer deposits grew steadily by 10%, reaching over VND304,000 billion. In particular, CASA and Super Yield accounts increased by 51% compared to the beginning of the year.
Asset quality continued to improve significantly in the first 6 months of the year. The bad debt ratio decreased to 2.54%, 0.14 percentage points lower than at the end of the first quarter.
Regarding safety management indicators: Basel II capital adequacy ratio (CAR) reached 12.0% (regulation: over 8%), loan-to-deposit ratio (LDR) was at 77% (regulation: under 85%), short-term capital ratio for medium and long-term loans was 23% (regulation: under 30%) and Basel III net stable capital ratio (NSFR) was 111% (Basel III standard: over 100%).
TPBank revealed its business results for the first 6 months of the year with pre-tax profit expected to reach over VND4,100 billion, up more than 12% over the same period. With the above results, TPBank temporarily leads in profit scale among the 5 banks that have announced.
As of the end of June, TPBank's credit growth reached nearly 11.7%, focusing mainly on retail, controlled real estate and consumer finance - areas that bring high net profit margins. TPBank's total assets by mid-2025 reached nearly VND428,600 billion, completing 95% of the annual plan and increasing by more than 18% over the same period last year.
In the first 6 months of the year, the bank's total mobilization reached nearly 377,500 billion VND, a sharp increase of 19% over the same period last year.
NamABank announced its business results for the first 6 months of the year with pre-tax profit reaching over VND 2,500 billion, up 14% over the same period in 2024. The above results contributed to maintaining ROE at nearly 20%, ROA at 1.5%.
Nam A Bank's total assets reached nearly VND 315,000 billion by the end of June 2025, an increase of more than 30% compared to the beginning of the year and marking a strong step forward in the scale of operations of this bank in more than 32 years of operation. Outstanding credit reached nearly VND 193,000 billion, an increase of 14.7% compared to the beginning of the year, mobilization from economic organizations and residents reached nearly VND 211,000 billion, a sharp increase of more than 22% compared to the beginning of the year.
Kienlongbank recorded consolidated pre-tax profit of VND565 billion in the second quarter of 2025, up 67.2% over the same period last year. This is also the bank's highest quarterly profit since the first quarter of 2021.
Accumulated in the first 6 months of the year, the bank's pre-tax profit reached VND 921 billion, an increase of 67% over the same period in 2024 and achieved nearly 67% of the 2025 business plan (VND 1,379 billion).
In the first half of the year, Kienlongbank's profit growth momentum came from increasing revenue and cutting operating costs.
As of the end of the second quarter, Kienlongbank's total assets reached VND97,630 billion, up 5.9% compared to the beginning of the year. Of which, outstanding loans to customers reached over VND69,547 billion, up 13.2%. Kienlongbank's bad debt balance as of June 30, 2025 was VND1,366 billion, up 10.1%; the ratio of bad debt/total outstanding debt decreased from 2.02% at the beginning of the year to 1.96%.
By the end of the second quarter, Kienlongbank's customer deposits reached VND73,174 billion, up 15.2% compared to the beginning of the year - the highest 6-month growth in many years.
VietABank announced its first-half business results with pre-tax profit in the first 6 months reaching VND 714 billion, equivalent to more than 55% of the 2025 plan and an increase of 27% over the same period in 2024.
As of June 30, 2025, VietABank's total assets reached VND 133,952 billion, an increase of VND 14,120 billion compared to the beginning of the year. Outstanding loans reached VND 87,422 billion, an increase of more than 9.39%, customer deposits reached VND 95,784 billion, an increase of VND 5,495 billion compared to the end of 2024. In particular, the ratio of non-term deposits (CASA) increased by 29% compared to the end of 2024, contributing to reducing capital costs and improving profit margins.
VAB's ROE stood at 13.71%, ROA reached 1%. The bank also maintained a stable cost-to-income ratio (CIR) at 36.01%.
The bad debt ratio is also being well controlled, decreasing from 1.37% at the end of 2024 to 1.11% at the end of the second quarter of 2025.
PGBank announced its financial report for the second quarter of 2025 with pre-tax profit reaching VND 188 billion, an increase of more than 98.3% compared to the second quarter of 2024. In the second quarter, the driving force for PGBank's profit growth came from expanding revenue sources and reducing credit risk provisioning costs.
Accumulated in the first 6 months of the year, the bank's pre-tax profit reached 284 billion VND, an increase of nearly 35% over the same period in 2024.
As of the end of June, PGBank's total assets reached VND78,553 billion, up 7.6% compared to the beginning of the year. Of which, customer loans increased by 10.2% to VND45,436 billion. Customer deposits grew by 7.8% to VND46,726 billion. The balance of bad debts on the balance sheet in the first 6 months of the year increased by 42.4% to VND1,511 billion (increased by VND282 billion in the second quarter alone).
NCB has the strongest profit growth
NCB said that the bank continued to record positive after-tax profit in the second quarter of 2025, estimated at more than VND 311 billion. In the first 6 months of 2025, NCB's after-tax profit is estimated at more than VND 462 billion, a sharp increase compared to VND 6 billion in the same period in 2024 (ie 77 times higher - the highest among banks that have announced business results). Total assets as of June 30, 2025 are estimated at more than VND 144,054 billion, an increase of 21.6% compared to the end of 2024 and exceeding 6.3% compared to the plan for the whole year of 2025 of VND 135,500 billion.
As of the end of the second quarter, NCB's customer loans are estimated to reach nearly VND 86,835 billion, up 22% compared to December 31, 2024. NCB's total capital mobilization (including customer deposits and issuance of valuable papers) is estimated to reach more than VND 120,148 billion, up 19.6% compared to the end of 2024, equivalent to an increase of more than VND 19,726 billion.
In the first 6 months of 2025, BVBank 's total revenue reached more than VND 1,200 billion, of which net interest income reached nearly VND 1,150 billion, up 12% over the same period.
In the first 6 months of the year, BVBank recorded a pre-tax profit of VND93 billion. This profit level is lower than the same period last year. According to the bank's explanation, the main reason is that BVBank proactively reduced lending interest rates and offered preferential credit packages to support individual and corporate customers in the spirit of the Government and the State Bank of Vietnam; BVBank proactively set aside provision costs to strengthen the safety buffer and control asset quality; Operating costs increased by 17% to expand business, especially investing in upgrading the network and technology infrastructure, serving the long-term digitalization strategy and optimizing operating processes.
As of the end of June, BVBank's total assets reached VND115,500 billion, up nearly 12% compared to the beginning of the year. With this result, BVBank has completed 95% of the annual plan approved by the General Meeting of Shareholders.
Total outstanding credit balance reached VND93,400 billion, up 29% over the same period in 2024 and nearly 14% over the beginning of the year. Of which, outstanding customer loans reached more than VND73.4 trillion, up nearly 8% over the beginning of the year.
Regarding capital mobilization, BVBank recorded a scale of nearly VND 106,400 billion, an increase of 28% over the same period and nearly 12% compared to the beginning of the year.
Source: https://vtcnews.vn/18-ngan-hang-cong-bo-loi-nhuan-ai-lai-nhieu-nhat-ar957063.html
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