NCB experienced strong growth in Q1/2026.

At the end of the first quarter of 2026, NCB recorded a series of strong growth indicators in its business performance. This positive result shows that NCB is on the right track, nearing the goal of completing its 2026 business plan ahead of schedule and implementing its restructuring plan, aiming for sustainable development.

Many business targets have been met, reaching 90% of the annual plan.

National Commercial Bank (NCB) has just announced its Q1/2026 financial report. Accordingly, NCB recorded impressive results right from the first quarter of 2026. Total assets as of March 31, 2026 reached nearly VND 173,504 billion, an increase of 6% compared to the end of 2025. The bank's pre-tax profit reached over VND 216 billion, a significant increase compared to nearly VND 151 billion in Q1/2025, corresponding to a growth rate of 43%.

NCB achieved many impressive results in the first quarter of 2026.

All core business activities recorded strong growth. Specifically, net interest income reached over VND 792 billion, an increase of nearly 57%, and income from service activities reached over VND 108 billion, an increase of nearly 270% compared to the same period last year. Total capital mobilization at the end of Q1/2026 (including customer deposits and issuance of securities) also recorded a growth of approximately 6% compared to the end of 2025, reaching nearly VND 139,110 billion.

As of March 31, 2026, NCB's total customer loans reached over VND 116,876 billion, recording a growth of 20% compared to December 31, 2025. The ratio and structure of non-performing loans continued to improve significantly, showing that NCB is effectively controlling the quality of its loan portfolio and implementing effective debt resolution solutions according to the restructuring plan (PACCL).

Compared to its 2026 business targets, NCB has achieved 91% of its total asset plan. Loan-to-customer and deposit targets have also been met at 89% and 88% respectively, as set for 2026.

Previously, NCB's 2026 Annual General Meeting of Shareholders approved a business plan with total assets reaching VND 189,912 billion, a 16% increase compared to 2025. The target customer deposits are VND 158,685 billion, a 20% increase compared to the end of 2025. Of this, demand deposits are projected at VND 15,312 billion, a 33% increase compared to the end of 2025, raising the Casa/Total Deposits ratio to 9.6%.

The bank also aims for outstanding loans to reach VND 131,686 billion, a 35% increase compared to 2025, and pre-PACCL profit to reach VND 1,416 billion, a 49% increase compared to 2025. NCB is committed to using all profits to implement the PACCL roadmap in order to complete PACCL early and move towards sustainable development.

NCB's positive business results are a bright sign that the bank has entered a new phase of development. This achievement is also thanks to the right, systematic approach and the decisive and effective implementation of the new strategy alongside comprehensive restructuring that the bank has steadfastly pursued for nearly five years.

At the same time, it serves as a foundation for NCB to create breakthrough changes in the 2026-2030 period, aiming to become a healthy, efficient, and sustainable bank, providing excellent financial services and solutions in the market.

Increase charter capital early, create breakthroughs through pioneering digital solutions.

In 2026, NCB aims to complete its capital increase plan to VND 29,280 billion, three years ahead of the schedule set at PACCL. If this capital increase is completed, it will be the bank's fourth consecutive capital increase within five years (2022–2026). This not only helps NCB ensure capital safety according to regulations and strengthen financial resources for business expansion, but also demonstrates the bank's strong determination, realized through concrete actions, to achieve its ambitious goals. Leading the market in capital increase speed over the past five years also reflects the high level of trust and support from shareholders and investors in NCB's new development journey.

Reportedly, in 2026 NCB will focus on individual customers in major cities, leveraging customers within the ecosystem of strategic partners, leading enterprises in the Construction and Supply sectors, partners constructing key national projects, chains of entities in the tourism sector, and diversifying capital mobilization sources from the interbank market and investment funds.

NCB continues to strengthen its digital transformation and deliver the best services to its customers.

The bank's digital transformation is also entering a crucial phase with groundbreaking initiatives that redefine how NCB serves customers and enhances its competitiveness in the digital market. Accordingly, NCB plans to launch Super App – a platform combining traditional banking services with digital wealth management and a digital branch system. With this solution, NCB will become the first bank in Vietnam to offer an "all-in-one" platform, integrating all of its customers' financial needs on a single platform.

Furthermore, guided by the philosophy of integrating its development with the development of the community and the nation, NCB is actively promoting the digital transformation of the national tourism industry in 2026. The bank has been developing pioneering solutions to transform payment experiences into a competitive advantage for Vietnamese tourism and contribute to attracting international tourists.

As a strategic partner of the national tourism data platform - Visit Vietnam, NCB is developing the iziPay payment solution integrated into the platform, allowing tourists to book services and pay directly through the system at participating locations nationwide. Recently, NCB also pioneered the provision of QR code payment solutions for international visitors, enabling tourists to easily, quickly, and conveniently pay using their own domestic banking applications or e-wallets.

  Currently, the solution has been deployed to the following markets: China (Alipay, UnionPay); South Korea (GLN, Hana Financial Group, Naver Pay); Thailand; Laos; Cambodia, and is continuing to expand to Japan, Singapore, etc. NCB stated that it will continue to expand two-way payment with its partners in the future, allowing NCB customers to use the NCB iziMobile application to scan QR codes for payment in other countries, creating a leading modern and convenient payment experience in the market.

Source: https://baodautu.vn/ncb-but-toc-manh-me-trong-quy-i2026-d579225.html