OCB promotes digitalization: OMNI transactions increase by 91%, Q3 profit exceeds VND 1,500 billion

Orient Commercial Joint Stock Bank (Stock code: OCB) has just announced its financial report for the third quarter of 2025 with pre-tax profit reaching VND 1,538 billion, three times higher than the same period last year thanks to continued growth in core business activities.

As of September 30, 2025,OCB 's total net revenue reached VND 2,931 billion, an increase of 27.9% over the same period. Net interest income increased sharply by 17.4% over the same period last year, reaching VND 2,424 billion thanks to the growth in credit scale, meeting customers' borrowing needs.

Net non-interest income continued to improve, reaching VND 507 billion, up 123.1% compared to the third quarter of 2024. Of which, revenue from foreign currency trading services (FX sales) increased by 122.9% over the same period; net revenue from other activities reached VND 260 billion, up 59.7% compared to the second quarter, accumulated in 9 months reached VND 494 billion, up 87.1% over the same period. This result comes from the bank restructuring its business portfolio towards diversifying revenue sources and actively implementing debt handling and management solutions.

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In the first 9 months of 2025, the economic recovery has had a somewhat favorable impact on business activities in the banking sector, especially for organizations with good internal capacity in digitalization and effective risk management. At OCB, thanks to continued strong investment in technology and human resources - factors that help "make a profit" in the long term, along with a solid foundation and stable financial capacity, core business activities continued to grow steadily in the third quarter, showing that the bank is operating effectively, creating a stepping stone for sustainable development for OCB in achieving the goals set in the coming period.

Mr. Pham Hong Hai - General Director of OCB said

According to statistics, as of September 30, 2025, the rate of transactions on digital channels at OCB reached nearly 98%. The number of transactions on the OCB OMNI application increased by 91%. At the same time, the number of transactions connecting Open API with the bank increased by 63% compared to the same period last year, the transaction value increased by 180%.

Thanks to the promotion of digitalization, the bank's current account balance (CASA) ratio has always grown every quarter. The personal customer segment, CASA via digital channels increased by 25% and online savings deposit turnover increased by 36% compared to the same period in 2024. The corporate segment, CASA increased by an average of 38%. Thanks to that, the CASA ratio increased from 14.9% at the end of 2024 to 16% at the end of the third quarter of 2025, contributing to reducing the cost of mobilized capital.

OCB's pre-tax profit in the third quarter was recorded at VND1,538 billion, 3 times higher than the same period last year. Accumulated profit in the first 9 months reached VND3,431 billion, up 34.4% compared to the first 9 months of 2024.

Technology will continue to be the core area that OCB will promote in the coming time to create a stepping stone for sustainable development for the bank.

As of September 30, 2025, OCB's total assets reached VND 315,162 billion, an increase compared to the beginning of the year and 99% of the plan. Market 1 mobilization reached VND 219,998 billion, an increase of 14.3% compared to the beginning of the year. Market 1 credit balance was at VND 202,863 billion, an increase of 12.4% compared to the beginning of the year. Of which, customer loan balance increased by 13.7%, reaching VND 200,054 billion. SME credit balance increased continuously, in the third quarter it increased by 10.1% compared to the second quarter. This shows the bank's initiative in promoting support for SME lending in accordance with the Government 's policy of promoting the private economy. Specifically, recently OCB continued to upgrade and launch the product "Fast loan to supplement business capital" 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 time with maximum term of up to 36 months... this product is considered a suitable financial solution for the characteristics of SME enterprises that are in need of additional working capital, trade finance, guarantee issuance...

Recently, OCB has also officially released the 2024 Independent Sustainable Development Report with the theme of Journey to Create a Green Future , marking the second consecutive year the bank has published a specialized report in this field. This has shown the bank's strong and effective transformation journey in the Sustainable Development Strategy, comprehensively greening its operations and promoting the goal of a pioneering Green Bank, accompanying the Government on the path towards the Net Zero goal.

In the field of green credit and sustainable finance, OCB is constantly expanding its loan portfolio for sustainable development projects in many fields. Accordingly, the bank's green credit balance in 2024 will reach a growth rate of nearly 30% compared to 2023, focusing on renewable energy projects, green buildings and sustainable agriculture. This clearly demonstrates the effort to direct capital flows into areas that have a positive impact on the environment, community and society. Many meaningful community and environmental initiatives such as the OCB Pin Hunter campaign: "Green old batteries - Healthier Earth", afforestation activities, school construction, community support and disaster relief... have been continuously implemented.

It is known that in the coming period, OCB will continue to improve the overall efficiency of banking governance, risk management, human resource capacity development, organizational culture, social security and environment according to international standards. At the same time, continue to perfect the policy framework, promote green credit products, sustainable finance as well as focus on promoting digital transformation to operate transparently, greenly and effectively.

Source: https://daibieunhandan.vn/ocb-day-manh-so-hoa-giao-dich-omni-tang-91-loi-nhuan-quy-3-vuot-1-500-ty-dong-10393318.html