Bad debt decreased, CASA increased by 39%, VIB reported profit of 7,040 billion VND after 9 months

VIB is positioning itself as a leading retail bank with a strong digital platform. Surpassing the milestone of one million credit cards in circulation and receiving three awards from Visa, including "Digital Pioneer" and "Supply Chain Payment", is a testament to its success in digital transformation, not only in transactions but also in supply chain management and trade payments.

At the end of the first 9 months of 2025,VIB recorded total operating income of more than VND 14,700 billion. Pre-tax profit reached over VND 7,040 billion, up 7% over the same period.

Net interest income reached nearly VND11,900 billion, continuing to be the main contributor. The bank said it has maintained lending interest rates at a reasonable level to support credit, contributing to economic growth. Net interest margin (NIM) reached 3.2%.

As of September 30, 2025, VIB's total assets reached more than VND 543,000 billion, up 10% compared to the beginning of the year. Outstanding credit reached nearly VND 373,000 billion, up 15% compared to the beginning of the year, with equal contributions from three segments: individual customers, corporate customers and financial institutions. Customer deposits recorded an 11% growth, reaching nearly VND 308,000 billion. CASA balance and Super Yield accounts increased by 39% compared to the beginning of the year.

Asset quality improved in the third quarter, with the NPL ratio falling to 2.45%, down 0.23 percentage points from the end of the first quarter. The loan portfolio maintained a balanced proportion with more than 73% of outstanding loans belonging to the retail and SME segments. The remaining 27% belonged to corporate and financial institution customers.

In the third quarter, the Bank issued 14% bonus shares, completing the payment of a total of 21% cash and stock dividends to shareholders. Safety management indicators were maintained at an optimal level.

Specifically, the Basel II capital adequacy ratio (CAR) reached 12.4% (regulated above 8%), the loan-to-deposit ratio (LDR) was at 79% (regulated below 85%), the short-term capital ratio for medium and long-term loans was 27% (regulated below 30%) and the Basel III net stable capital ratio (NSFR) was 107% (Basel III standard above 100%).

Non-interest income contributed positively, accounting for more than 19% of total operating income, mainly from fee and service activities. As of September 30, 2025, the number of VIB credit cards in circulation exceeded one million.

Total card spending after 9 months reached over VND104,000 billion, up 15% over the same period. VIB also launched new services such as Privilege Banking and a solution package combining Super Yield accounts with Smart Card payment cards. In Q3, VIB received three awards from Visa, including "Digital Pioneer", "Payment Volume Growth" and "Supply Chain Payment & Commercial Card Innovation 2025".

Source: https://daibieunhandan.vn/no-xau-giam-casa-tang-39-vib-bao-lai-7-040-ty-dong-sau-9-thang-10393608.html