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 nine months of 2025,VIB recorded total operating income of over VND 14,700 billion. Pre-tax profit reached over VND 7,040 billion, an increase of 7% compared to the same period.

Net interest income reached nearly VND 11,900 billion, continuing to be the main contributor. The bank stated that it maintained reasonable lending interest rates to support credit and contribute to economic growth. The net interest margin (NIM) reached 3.2%.

As of September 30, 2025, VIB's total assets reached over VND 543,000 billion, a 10% increase compared to the beginning of the year. Outstanding loans reached nearly VND 373,000 billion, a 15% increase compared to the beginning of the year, with balanced contributions from individual customers, corporate customers, and financial institutions. Customer deposits recorded an 11% growth, reaching nearly VND 308,000 billion. CASA balances and Super Yield accounts increased by 39% compared to the beginning of the year.

Asset quality improved in Q3, with the non-performing loan ratio falling to 2.45%, a decrease of 0.23 percentage points compared to the end of Q1. The loan portfolio maintained a balanced proportion, with over 73% of outstanding loans in the retail and SME segments. The remaining 27% belonged to corporate and financial institution clients.

In the third quarter, the Bank issued 14% bonus shares, completing the payment of a total of 21% in cash and stock dividends to shareholders. The safety and governance indicators were maintained at optimal levels.

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

Non-interest income made a positive contribution, accounting for over 19% of total operating income, mainly from fees and service activities. As of September 30, 2025, the number of VIB credit cards in circulation exceeded one million.

Total spending via cards after 9 months reached over VND 104,000 billion, a 15% increase compared to the same period last year. VIB also launched new services such as Privilege Banking and a suite of solutions combining Super Yield accounts with Smart Card payment cards. In the third quarter, 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