At the end of the third quarter, ABBANK achieved 128% of the 2025 profit plan and was approved to increase charter capital by an additional VND 3,600 billion.

At the end of the third quarter of 2025, An Binh Commercial Joint Stock Bank (ABBANK) recorded impressive business results with pre-tax profit reaching more than VND 2,300 billion, completing 128% of the 2025 plan, continuing to create performance indicators and solid financial capacity. At the same time, ABBANK was approved by the State Bank of Vietnam to increase its charter capital by more than VND 3,600 billion - marking an important step forward in the strategy of strengthening financial capacity and sustainable development.

Specifically, as of September 30, 2025, ABBANK's operating efficiency continued to maintain a positive growth momentum compared to the beginning of the year and the same period in 2024. Total operating income reached VND 5,274 billion. All efficiency indicators were significantly improved compared to the same period: return on equity (ROE) reached 16.5%, cost-to-income ratio (CIR) decreased to 33% - due to increased operating income and good cost control. ABBANK's pre-tax profit accordingly reached VND 2,301 billion, an increase of 8 times compared to the same period and completed 128% of the 2025 profit plan.

By September 30, 2025, ABBANK achieved more than VND 2,300 billion in profit after tax, an increase of 8 times over the same period, reaching 128% of the yearly plan.

Regarding the scale of operations, by the end of the third quarter of 2025, ABBANK's mobilization from customers reached VND 143,401 billion, an increase of 34% over the same period in 2024 and completed 124% of the 2025 plan - ensuring input sources for credit growth at the end of the year; ABBANK's total assets by the end of the third quarter of 2025 reached VND 204,475 billion, an increase of 25% over the same period in 2024; Outstanding credit reached VND 116,381 billion, an increase of 14% over the same period and completed 91% of the 2025 plan.

ABBANK recorded positive growth in operational efficiency indicators and a solid financial foundation in the third quarter of 2025

Along with the growth in scale, the Digital Banking segment continues to play a driving role in ABBANK's digital development strategy to bring optimal, modern, convenient and safe financial experiences to customers. The new generation Digital Banking platform ABBANK launched in 2025 has helped attract new customers, increase user experience, and increase customer interaction with the Bank. Accordingly, the number of online transactions of individual customers recorded a growth of 49% compared to the same period in 2024. Along with that, the number of corporate customers transacting online through the ABBANK Business platform also continued to record a growth of 20% compared to the same period in 2024.

Total assets of ABBANK at the end of the third quarter of 2025 reached 204,475 billion VND, completing 102% of the yearly plan.

In particular, through flexible management policies, closely following market developments, by the end of the third quarter of 2025, ABBANK's asset quality continued to show clear improvement. Bad debt was tightly controlled at 1.7%, maintained below 3% according to the guidance in Circular No. 31/2024/TT-NHNN of the State Bank. Capital quality indicators also continued to be ensured according to the standards of the State Bank, demonstrating a solid capital framework for business operations, creating momentum for the Bank's development.

VIS Rating announced to continue maintaining the issuer credit rating A- and outlook at Stable for ABBANK

With efforts to demonstrate the commitment to a prestigious Bank, operating effectively with sustainability, accompanying the development of customers and the community, on October 22, 2025, the State Bank of Vietnam (SBV) issued Official Dispatch No. 9241/NHNN-QLGS officially approving ABBANK's proposal to increase by VND 3,622,628,660,000 compared to the current charter capital (equivalent to an increase of 35%). In which, the capital increase through the form of issuing stock purchase rights to existing shareholders is VND 3,105,110,280,000 and issuing shares to employees under the Employee Stock Option Program is VND 517,518,380,000. The total expected charter capital of ABBANK after the increase is 13,972,996,280,000 VND, creating a solid foundation for the next development stage.

Mr. Pham Duy Hieu - General Director of ABBANK shared: " The positive business results in the first 9 months of the year are a testament to the development orientation that ABBANK is steadfastly pursuing: balancing efficiency, sustainability and bringing many values ​​to customers, shareholders and the community. The approval of the State Bank to increase charter capital by more than 3,600 billion VND is an important step, helping ABBANK strengthen its financial capacity, expand its scale of operations, and develop new, convenient products and services for customers. From there, we will continue to accompany customers and shareholders on the journey of long-term and sustainable development. "

The State Bank of Vietnam has just issued Official Dispatch No. 9241/NHNN-QLGS officially approving ABBANK's proposal to increase charter capital by more than VND 3,600 billion.

At the same time, on October 22, 2025, Vietnam Investment Credit Rating Joint Stock Company (VIS Rating) announced that it would continue to maintain the A- issuer credit rating and assess the outlook at Stable for ABBANK. According to VIS Rating, ABBANK has made improvements in risk management, bad debt handling as well as stabilizing liquidity, contributing to strengthening the confidence of the market and investors in the long-term growth prospects. This organization also assessed that ABBANK has the ability to increase its credit rating if it continues to successfully implement risk management measures, handle bad debt and promote the development of core customer-oriented business segments.

Source: https://daibieunhandan.vn/ket-thuc-quy-3-abbank-dat-128-ke-hoach-loi-nhuan-nam-2025-duoc-chap-thuan-tang-von-dieu-le-them-3-600-ty-dong-10392773.html