KienlongBank is in the top 10 banks with the highest EPS index for 4 quarters.

In the first quarter of 2025, KienlongBank made a breakthrough with pre-tax profit reaching VND 356 billion, up 66% over the same period, thanks to strong growth in credit, digital banking services and sophisticated customer segmentation strategy. Total assets reached VND 97,164 billion, with more than 95% of transactions via digital channels, putting the bank in the top 10 banks with the highest EPS index in the last 4 quarters.

Not only leading in business, KienlongBank is also a pioneer in building a 5.0 human resource framework, integrating GenAI, optimizing processes and creating an ideal working environment.

Digital footprint with positive business results

In the first quarter of 2025, KienlongBank recorded a total pre-tax profit of VND 356 billion, an increase of 66% over the same period in 2024, bringing in VND 285 billion in consolidated after-tax profit. The profit growth in the quarter mainly came from the core business of credit activities and digital banking services with VND 160 billion. In addition, income from foreign exchange trading and other business activities brought in VND 21 billion and VND 103 billion, respectively, equivalent to growth rates of 91% and 26%, respectively.

KienlongBank breaks through in Q1/2025 with 66% increase in profit and breakthrough 5.0 human resource strategy

As of March 31, 2025, with more than 95% of customer transactions conducted via digital channels, active business activities have contributed to raising KienlongBank's total assets to VND 97,164 billion, an increase of VND 4,988 billion compared to the end of 2024. Customer deposits reached VND 70,989 billion, an increase of VND 7,468 billion; customer loans reached VND 66,941 billion, an increase of VND 6,490 billion, recording a credit growth rate of nearly 11% compared to the end of 2024, nearly 3 times higher than the overall growth rate of the whole system (3.93%).

KienlongBank's credit growth reflects the success of its stratification strategy with 03 target customer files including: customer files in rural areas; customer files in urban areas and digital financial customer files to orient products and credit policies suitable to the characteristics of each of these customer files.

From that strategy, KienlongBank expects to maintain credit growth momentum and complete the goals set for 2025. With the efforts of the entire system, KienlongBank has risen to the top 10 banks with the highest EPS index in the last 4 quarters.

In addition, KienlongBank's bad debt coverage ratio as of the end of the first quarter of 2025 reached 73%, among the highest in the industry. The bad debt ratio is tightly controlled at less than 3%, significantly lower than the industry average, reflecting superior asset quality and a prudent credit strategy that always complies with the requirements of the State Bank.

Building a 5.0 human resource framework for the new transformation period 2025-2030

With the goal of automating 80% of key operating processes and optimizing 30% of operating efficiency, human resources and technology have become the main driving force, expected to help KienlongBank make a strong breakthrough, anticipate and meet the increasingly stringent requirements of the digital financial era. Accordingly, the bank has focused on streamlining its structure and operating apparatus; consolidating and arranging departments/divisions/blocks in a compact and efficient manner; minimizing intermediary roles to save time, optimize processes while improving operational efficiency, and further enhancing customer experience.

Determined and steadfast in that goal, during the quarter, KienlongBank also focused on investment activities in technology and human resources. The Bank has started integrating GenAI into products, operations & management as well as training, fostering skills, raising awareness of staff according to the new 5.0 human resource competency framework, renewing the thinking of each staff to adapt to the rapid development of technology. At the same time, the Bank has also proactively nurtured and self-reliant high-quality human resources, built a successor team, creating opportunities for the young generation of staff to create and contribute to the development of the Bank.

KienlongBank has also issued many policies to increase benefits and income for employees, creating an ideal working environment for employees to have opportunities for career advancement. In addition, the bank also strives to perfect the value chain; expand the partner network; optimize governance through further promoting internal digital transformation... Based on outstanding human resources policies, attractive remuneration and a dynamic, youthful working environment, KienlongBank has been honored by World Economic Magazine as "Best Workplace in Vietnam 2024".

With impressive achievements in the first quarter of 2025, from outstanding profit growth, outstanding asset quality to breakthrough digital transformation and human resource strategy 5.0, KienlongBank not only affirmed its position in the top 10 banks with the highest EPS but also laid a solid foundation for sustainable development. This is both the occasion to celebrate the 30th anniversary of the bank's establishment (1995 - 2025), and the transition between the transformation phase to digital banking (2021-2025) and towards positioning as an AI bank, mastering advanced technologies (2025-2030).

The pioneering journey of applying technology, optimizing processes and investing in people promises to help KienlongBank continue to make breakthroughs, meet the expectations of customers and shareholders, and lead the digital financial trend in the future.

With the right direction, detailed action plan, and determination of the entire system, KienlongBank will certainly have many changes in reshaping the business network, making it more familiar, convenient, and effective.

PV

Source: https://congthuong.vn/kienlongbank-lot-top-10-ngan-hang-co-chi-so-eps-cao-nhat-4-quy-388020.html