A series of banks approved to increase charter capital

Specifically, Bank Asia Commercial Joint Stock Bank ( ACB ) has been State Bank approved to increase charter capital by nearly VND6,700 billion through the issuance of shares to pay dividends. Specifically, ACB will issue nearly 670 million new shares, equivalent to a rate of 15% (shareholders owning 100 shares will receive an additional 15 shares). After completion, ACB's charter capital will increase from VND44,667 billion to a maximum of VND51,367 billion.

Vietnam International Commercial Joint Stock Bank ( VIB ) was also approved to increase its charter capital by nearly VND4,249 billion through the issuance of shares to existing shareholders and the employee stock option program (ESOP). VIB plans to issue nearly 417.1 million shares to existing shareholders (14%) and 7.8 million ESOP shares (0.26%). After completion, VIB's charter capital will increase from more than VND29,791 billion to more than VND34,040 billion.

Meanwhile, National Citizen Commercial Joint Stock Bank (NCB) was approved to increase its charter capital by VND7,500 billion through the issuance of 750 million individual shares to professional securities investors at an offering price of no less than VND10,000/share. Upon completion, NCB's charter capital will increase from VND11,780 billion to VND19,280 billion.

According to economist Dr. Nguyen Tri Hieu, the current need to increase charter capital of banks stems from many factors, including increasing the risk provisioning ratio, expanding long-term capital sources, investing in modern technology, and improving financial capacity to meet international safety standards.

The expert also said that 2025 could continue to be a volatile year for the banking industry as pressure from bad debt is likely to increase. In that context, charter capital acts as a "safety cushion" to help banks better withstand risks, while maintaining the ability to provide stable capital to customers, supporting businesses and people to overcome economic difficulties.

In addition to the above three banks, many capital increase plans have also been approved at annual general meetings of shareholders and are expected to be approved by the management agency in the near future. In particular, at the 2025 annual general meeting of shareholders, the Military Commercial Joint Stock Bank (MB) approved a plan to increase its charter capital by nearly VND 19,726 billion, bringing its total charter capital to VND 81,368 billion. MB will implement the plan in two phases: private offering of shares and issuing more than 1.97 billion shares to pay dividends at a rate of 32%, using undistributed profits.

Orient Commercial Joint Stock Bank (OCB) has approved a plan to increase its charter capital to VND26,631 billion through the issuance of shares from equity capital at a rate of 8%. Saigon - Hanoi Commercial Joint Stock Bank (SHB) also plans to increase its charter capital by about VND5,300 billion through the issuance of shares to pay dividends. After the issuance, SHB's charter capital will increase from VND40,657 billion to nearly VND45,942 billion.

Similarly, Vietnam Maritime Commercial Joint Stock Bank (MSB) plans to increase its charter capital by VND5,200 billion by issuing 520 million shares to pay dividends, bringing its charter capital from VND26,000 billion to VND31,200 billion. Tien Phong Commercial Joint Stock Bank (TPBank) plans to issue a maximum of more than 132 million shares to pay dividends at a rate of 5%, thereby increasing its charter capital by about VND1,320.9 billion, bringing its total charter capital to more than VND27,740 billion.

Nam A Commercial Joint Stock Bank (Nam A Bank) also aims to increase its charter capital to VND18,000 billion by issuing dividend shares and ESOP shares to employees, an increase of more than VND4,200 billion compared to the present.

According to the financial report for the first quarter of 2025, the leading bank in the industry in terms of charter capital is currently the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) with a capital of VND 83,557 billion. Following that is Vietnam Prosperity Joint Stock Commercial Bank (VPBank) with a charter capital of VND 79,339 billion, Vietnam Technological and Commercial Joint Stock Bank (Techcombank) with VND 70,649 billion and Vietnam Joint Stock Commercial Bank for Investment and Development (BIDV) with VND 70,214 billion.

It can be seen that increasing charter capital is becoming an essential requirement for commercial banks in the context of increasing competitive pressure and systemic risks. This is not only a mandatory factor to comply with legal regulations but also a foundation to help banks strengthen their financial capacity, improve resilience and expand business operations.

Source: https://baoquangninh.vn/loat-ngan-hang-duoc-phe-duyet-tang-von-dieu-le-3358290.html