According to the Financial Report for the Second Quarter of 2025 just announced by the Joint Stock Commercial Bank for Investment and Development of Vietnam ( BIDV ), the bank's business activities continue to be maintained stably, safely, effectively, closely following the set plan; capital mobilization ensures capital balance, credit growth is quite good, credit quality is controlled according to the set targets, efficiency indicators are improved compared to the same period last year.
According to the financial report, by the end of the second quarter of 2025, BIDV's operating results closely followed the set plan, specifically: Total consolidated assets reached over VND 2.99 million billion, continuing to maintain its position as the joint stock commercial bank with the largest total assets in Vietnam.
Capital mobilization activities fully meet capital needs, ensuring system liquidity. By June 30, 2025, capital mobilization from organizations and individuals reached over VND 2.31 million billion, up 7.1% compared to the beginning of the year. Capital mobilization grew well in the retail segment, contributing to consolidating a stable and sustainable capital base.
Credit activities recorded positive growth with outstanding credit increasing by 6.1% compared to the beginning of the year, reaching VND2.19 trillion, thereby contributing to overall economic growth. Notably, outstanding credit to individual customers increased by 8.6%, making BIDV the first bank in Vietnam to reach VND1 trillion in retail outstanding loans. Outstanding loans to foreign corporate customers also increased sharply, reaching over 19%.
BIDV maintains stable and safe operations
Credit quality continues to be tightly controlled, with the goal of reducing the bad debt ratio to ≤1.6% by the end of 2025 as directed by the State Bank. BIDV fully implements risk provisions as prescribed, ensuring that operational safety indicators comply with current regulations.
Business performance in the first 6 months of the year recorded positive results: In the context of continuing to lower lending interest rates to support the economy, BIDV's business performance still maintained its growth momentum: Consolidated revenue and expenditure difference reached VND 26,714 billion; consolidated pre-tax profit reached VND 16,038 billion, up 3.1% over the same period last year.
In the first 6 months of 2025, BIDV has actively implemented measures to increase charter capital to improve financial capacity, meet capital safety ratios and approach international practices, specifically:
With support from the HSBC/SSI Consulting Joint Venture, BIDV successfully offered nearly 124 million shares to 5 financial investors, thereby increasing its charter capital by VND1,238 billion, bringing its total charter capital to VND70,213 billion - among the banks with the largest charter capital scale on the market.
At the 2025 Annual General Meeting of Shareholders, shareholders approved the plan to continue increasing charter capital at a rate of 3.84%, equivalent to about 269 million shares, through private issuance or public offering. Currently, BIDV is implementing the next steps to carry out the offering in phase 2 according to the approved plan.
BIDV also constantly innovates and applies technology, promotes comprehensive digital transformation and changes its operating model to provide outstanding financial solutions to meet the increasing needs of customers, specifically:
Update and develop new applications for both individual and business customers:
For individual customers: BIDV launches SmartBanking version X, marking a decade of leading the digital transformation journey. The new version has a modern, friendly interface, integrating many outstanding utilities such as personal financial management, financial solutions and automatic investment...;
For corporate customers: Develop BIDV Direct application - a new digital banking platform with diverse authentication methods, providing a smart, safe, flexible and seamless financial ecosystem, supporting businesses to improve operational efficiency and promote growth...
Comprehensive transformation of retail banking operations (RBT) to maintain leading position and create sustainable competitiveness in the long term, specifically:
BIDV has deployed 9 key initiatives from products, customers, organizational models to data technology; implemented the project at 51 branches in key areas, aiming to replicate the entire system in 2025.
Retail performance has been improved and enhanced in many aspects: Professional and systematic sales management, increasing sales force and time by 50%, managing customers by segment; increasing proactive sales, promoting customer migration to digital channels; developing special sales skills; re-establishing new standards for transaction space...
Actively accompany the community in improving financial technology knowledge in the digital age, implementing the national financial inclusion strategy: Establishing the AI Excellence Center (CoE AI) as a focal unit to research and deploy applications closely related to banking practices, expanding access to digital finance for all customers;
Accompanying Vietnamese female entrepreneurs to organize the Workshop “AI and Information Security in the Digital Age”; Connecting the business community for a green future through organizing the “Workshop on the Green Transformation Journey and Financial Technology Solutions”; Being a strategic partner of The Moneyverse - the first personal finance education program for students in Vietnam.
With its efforts in business activities, BIDV has been honored by prestigious domestic and international organizations with many awards such as: Top 1,000 largest and most powerful public companies in the world (Forbes); Top 50 best listed companies in Vietnam in 2025 (Forbes Vietnam); Best Retail Bank in Vietnam, Best Trade Finance and Supply Chain Finance Bank in Vietnam, Bank with the best housing loan products in Vietnam, Bank with the best Private Banking services in Vietnam (The Asian Banker Magazine); 07 products and technology solutions won the Sao Khue Award 2025 (VINASA); Top 20 enterprises with the best scores in the VNSI Sustainable Development Index (HOSE)...
In the coming time, BIDV will continue to closely follow market and system developments, operate business operations towards safe and effective credit growth; at the same time, focus on promoting non-interest income sources, enhancing e-banking services, maximizing revenue sources and controlling costs...
Source: https://baolamdong.vn/bidv-duy-tri-hoat-dong-on-dinh-an-toan-tang-toc-chuyen-doi-so-va-mo-hinh-hoat-dong-384504.html
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