OCB 's pre-tax profit in the third quarter reached VND 1,538 billion, a threefold increase compared to the same period last year - Photo: VGP/Phuong Dung
Many impressive figures
As of September 30, 2025, OCB's total net revenue reached VND 2,931 billion, an increase of 27.9% compared to the same period last year. Net interest income increased sharply by 17.4% compared to the previous year, reaching VND 2,424 billion, thanks to the growth in credit scale, meeting the borrowing needs of customers.
Regarding non-interest income, the bank continued to improve, reaching VND 507 billion, an increase of 123.1% compared to Q3 2024. Specifically, income from foreign exchange trading (FX sales) increased by 122.9% year-on-year; net income from other activities reached VND 260 billion, an increase of 59.7% compared to Q2, and the cumulative figure for the first nine months reached VND 494 billion, an increase of 87.1% year-on-year. This result stems from the bank's restructuring of its business portfolio towards diversifying revenue sources and actively implementing solutions for debt management and control.
"In the first nine months of 2025, the economic recovery has somewhat positively impacted business operations in the banking sector, especially for organizations with strong internal capabilities in digitalization and effective risk management. At OCB, thanks to continued strong investment in technology and human resources – factors that contribute to long-term profitability – along with a solid foundation and stable financial capacity, core business operations continued to grow steadily in the third quarter, demonstrating that the bank is operating effectively and creating a foundation for sustainable development for OCB in achieving its goals in the coming period," said Mr. Pham Hong Hai, General Director of OCB.
According to statistics, as of September 30, 2025, the percentage of transactions conducted via digital channels at OCB reached nearly 98%. The number of transactions on the OCB OMNI application increased by 91%. Simultaneously, the number of transactions connecting to the bank's Open API increased by 63% compared to the same period last year, and the transaction value increased by 180%.
Technology will continue to be a core area that OCB will promote in the coming time to create a foundation for sustainable development for the bank - Photo: VGP/Phuong Dung
OCB is promoting digitalization and green credit.
Thanks to the acceleration of digitalization, the bank's current account deposit (CASA) ratio has consistently grown each quarter. For individual customers, CASA through digital channels increased by 25% and online savings deposit volume increased by 36% compared to the same period in 2024. For corporate customers, the average CASA increased by 38%. As a result, the CASA ratio increased from 14.9% at the end of 2024 to 16% at the end of Q3/2025, contributing to a reduction in funding costs.
OCB's pre-tax profit in the third quarter reached VND 1,538 billion, a threefold increase compared to the same period last year. Cumulative profit for the first nine months reached VND 3,431 billion, a 34.4% increase compared to the first nine months of 2024.
As of September 30, 2025, OCB's total assets reached VND 315,162 billion, showing growth compared to the beginning of the year and achieving 99% of the plan. Market 1 deposits reached VND 219,998 billion, an increase of 14.3% compared to the beginning of the year. Market 1 credit outstanding was VND 202,863 billion, an increase of 12.4% compared to the beginning of the year. Of which, outstanding loans to customers increased by 13.7%, reaching VND 200,054 billion. Credit outstanding to small and medium-sized enterprises (SMEs) continued to increase, rising by 10.1% in the third quarter compared to the second quarter.
This demonstrates the bank's proactive approach in boosting lending to SMEs, in line with the government 's policy of promoting the private sector.
Specifically, OCB recently upgraded and launched the "Quick Loan for Business Capital Supplementation" product for this segment.
With advantages such as: approval time within only 8 working hours after receiving complete documents, maximum credit limit of up to 10 billion VND, preferential interest rate reduction of 0.5% compared to the normal rate, flexible term with a maximum term of up to 36 months… this product is considered a suitable financial solution for SMEs that need to supplement working capital, finance trade, issue guarantees…
Recently, OCB officially released its 2024 Independent Sustainable Development Report themed "Journey to Creating a Green Future," marking the second consecutive year the bank has published a specialized report in this area. This demonstrates the bank's strong and effective transformation in its Sustainable Development Strategy, comprehensively greening its operations and promoting its goal of becoming a pioneering Green Bank, accompanying the Government on the path towards achieving Net Zero.
In the field of green credit and sustainable finance, OCB is continuously expanding its loan portfolio for sustainable development projects across various sectors. Accordingly, the bank's green credit outstanding in 2024 is projected to grow by nearly 30% compared to 2023, focusing on renewable energy projects, green buildings, and sustainable agriculture. This clearly demonstrates the bank's efforts to direct capital towards areas with a positive impact on the environment, community, and society. Many meaningful community and environmental initiatives, such as the OCB Pin Hunter campaign: "Old Batteries Become Green – A Healthier Earth," reforestation activities, school construction, community support, and disaster relief, have been continuously implemented.
It is understood that in the coming period, OCB will continue to comprehensively improve the effectiveness of banking governance, risk management, human resource development, organizational culture, social welfare, and the social environment according to international standards. At the same time, it will continue to refine its policy framework, promote green credit products and sustainable finance, and focus on accelerating digital transformation to operate transparently, green, and efficiently.
Phuong Dung
Source: https://baochinhphu.vn/ocb-bao-lai-quy-iii-tang-gap-3-lan-cung-ky-10225102914502794.htm
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