National Citizen Commercial Joint Stock Bank (NCB) has just announced its business results for the second quarter of 2025 with a series of positive indicators. This result was achieved thanks to promoting business activities according to the new Digital Wealth Strategy, implementing a series of improvements in products, services and processes, and implementing bank restructuring according to the roadmap in the Restructuring Plan with a vision to 2030 approved under the "Project on restructuring the system of credit institutions associated with bad debt settlement in the period 2021-2025" according to Decision 689/QD-TTg of the Prime Minister and guidance of the State Bank.
Business growth is outstanding
According to information from NCB, the bank continued to record positive after-tax profit in the second quarter of 2025, estimated at more than VND 311 billion. In the first 6 months of 2025, NCB's after-tax profit is estimated at more than VND 462 billion, a sharp increase compared to VND 6 billion in the same period in 2024. Total assets as of June 30, 2025 are estimated at more than VND 144,054 billion, an increase of 21.6% compared to the end of 2024 and exceeding 6.3% compared to the plan for the whole year of 2025 of VND 135,500 billion.
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| NCB is increasingly loved and trusted by customers in the market. |
Taking customer experience as the center, NCB constantly innovates technology, products, and services, and is increasingly loved and trusted by customers in the market. Thanks to that, all business activities have impressive growth: customer loans are estimated at nearly VND 86,835 billion, up 22% compared to December 31, 2024. NCB's total capital mobilization (including customer deposits and issuance of valuable papers) is estimated at more than VND 120,148 billion, up 19.6% compared to the end of 2024, equivalent to an increase of more than VND 19,726 billion in the context of the general mobilization interest rate in the market being at a low level. Compared to the 2025 plan approved at the Annual General Meeting of Shareholders at the end of March, customer loans in the first 6 months of the year are about to reach the set target, reaching 90.4% and total capital mobilization exceeding nearly 1.4%.
Thanks to the drastic and fundamental resolution of backlogs, comprehensively overcoming existing problems, and improving the bank's operational efficiency through systematic, correct solutions, following the approved restructuring plan 's roadmap, the ratio of bad debt to total outstanding customer loans has decreased sharply compared to the end of 2024. The bank also promoted new loans to customers with high credit scores and transparent loan profiles, and applied digitalization in credit operations to bring a fast, simple, and superiorly convenient experience to customers.
With strong growth in core business activities, NCB's total net interest income in the first 6 months of the year is estimated at VND 1,262.5 billion, an increase of 155% over the same period in 2024 and this is also the bank's main source of revenue in the past 6 months, showing that NCB is on the right track, on the right roadmap in business activities, and at the same time is the foundation for the bank to develop safely, stably and sustainably.
Other business activities such as service activities, foreign exchange trading activities, investment securities trading activities... all made profits in the second quarter and the first 6 months of 2025. The positive results were achieved in the context of strong fluctuations in the economy and internal challenges when the bank had to carry out the dual task of implementing a new strategy in parallel with restructuring.
Improve financial capacity, plan brand repositioning
In 2025, NCB aims to continue increasing its capital to VND19,280 billion. Currently, NCB's capital increase plan has been approved by the State Bank. NCB has also found 17 professional investors to register to participate in this private offering of shares, including some investors who are existing shareholders of NCB - showing that investors' confidence in the bank's long-term development orientation is increasing.
If the private offering of 750 million shares is successful, this will be NCB's third capital increase in four consecutive years (2022 - 2025). Accordingly, NCB's charter capital will increase earlier than the roadmap set out in the approved restructuring plan , helping NCB consolidate financial resources and increase stable long-term capital to expand business operations.
Along with constantly improving financial capacity and meeting strategic goals, NCB continues to invest heavily in technology infrastructure, promoting digital transformation according to a new strategy, in order to pioneer the development of products and services on a cutting-edge technology platform with innovative and creative thinking, promising to bring breakthroughs in financial solutions for customers.
The bank also plans to implement a brand repositioning project, bringing a completely new image of NCB from experience to recognition, meeting the requirements and bringing more and more value to the customers that NCB serves.
The outstanding business results in the first 6 months of 2025 demonstrate the great efforts and consensus of the entire NCB system, gradually overcoming difficulties and challenges to stand firmly on its own two feet and take firm, optimistic steps after only 3 years of comprehensive transformation. This is also clear evidence that NCB has chosen the right direction and steadfastly implemented solutions in a drastic and effective manner, gradually building the image of a reputable, healthy bank, trusted and chosen by investors and customers.
Source: https://baodautu.vn/ngan-hang-ncb-tiep-tuc-bao-lai-quy-ii2025-hoat-dong-kinh-doanh-tang-truong-tich-cuc-d333766.html
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