The bank achieved positive operating results.

Some banks have just announced their operating results for the first 9 months of 2025, showing that the "health" of the banks is quite positive.

Ho Chi Minh City Development Joint Stock Commercial Bank ( HDBank ) achieved consolidated pre-tax profit in the first 9 months of 2025 of VND 14,803 billion, up 17% over the same period.

Profitability indicators continued to lead the system, with ROE reaching 25.2% and ROA 2.1%, reflecting effective operational capacity and a strong financial foundation.

HDBank's total assets reached VND782,000 billion (up 12.1% compared to the beginning of the year); outstanding credit increased by 22.6%, focusing on priority areas and essential production and business. The bad debt ratio was at 1.97% separately.

A transaction office of HDBank in Hanoi .

Vikki Bank, a digital bank under HDBank, also started making a profit after 7 months of conversion, attracting more than 1.3 million new customers.

Saigon - Hanoi Commercial Joint Stock Bank (SHB ) achieved pre-tax profit of VND 12,235 billion, up 36% over the same period, completing 85% of the yearly plan. SHB achieved total assets of VND 852,695 billion, up 14.1% compared to the end of 2024 and has now exceeded the 2025 plan, the basis for reaching the milestone of VND 1 million billion in total assets in 2026.

Outstanding customer loans reached VND607,852 billion, up 17% compared to the beginning of the year, demonstrating stable capital absorption capacity and clear competitiveness in approaching the target customer segment. The bank strictly controls asset quality with the target of maintaining the bad debt ratio below 2%.

Meanwhile, Orient Commercial Joint Stock Bank (OCB) achieved pre-tax profit of VND1,538 billion, 3 times higher than the same period last year thanks to continued growth in core business activities.

By the end of September, OCB's total net revenue reached VND2,931 billion, up 27.9% over the same period last year; net interest income increased sharply by 17.4%, reaching VND2,424 billion thanks to the growth in credit scale, meeting customers' borrowing needs. The transaction rate on digital channels at OCB reached nearly 98%.

Currently, OCB has total assets of VND315,162 billion, completing 99% of the plan. Mobilization of market 1 reached VND219,998 billion, up 14.3% compared to the beginning of the year; outstanding credit balance of market 1 was VND202,863 billion, up 12.4%, of which outstanding customer loans increased by 13.7%, reaching VND200,054 billion.

Source: https://hanoimoi.vn/ngan-hang-dat-ket-qua-hoat-dong-tich-cuc-721649.html