SeABank achieved a pre-tax profit of VND 6,868 billion, showing growth in scale and operational efficiency.

Southeast Asia Commercial Joint Stock Bank (SeABank, HOSE: SSB) announced its 2025 business results with pre-tax profit reaching VND 6,868 billion, exceeding the annual plan, and total assets increasing by nearly 22% to VND 396,443 billion. Other business indicators of the Bank also showed growth and exceeded the set targets.

Balanced growth in scale and efficiency

In 2025, SeABank will implement a comprehensive restructuring of its business model along vertical lines and promote a flexible business strategy, thereby maintaining stable and balanced growth in both scale and efficiency.

Accordingly, SeABank's business results for 2025 showed impressive performance: Pre-tax profit reached VND 6,868 billion, an increase of 13.73% compared to 2024 and exceeding the plan by 106%; Non-interest income (NOII) reached VND 4,410 billion, a strong increase of 80.54% compared to 2024; Total operating income (TOI) reached VND 14,114 billion, an increase of 13.74% and exceeding the plan by 112%. The CIR decreased to 33.01% thanks to comprehensive digitalization and efficient operational optimization. ROE exceeded the plan at 14.62%, reflecting efficient capital utilization and improved profitability.

Thanks to effectively meeting credit demand, expanding the portfolio efficiently while maintaining risk control, outstanding credit at SeABank increased by 16.69% to VND 244,972 billion, while the non-performing loan ratio continued to be controlled below 3% as per regulations.

As of December 31, 2025, SeABank's operations have significantly expanded, with total assets reaching VND 396,443 billion, an increase of 21.72% compared to 2024 and achieving 111% of the annual plan. Charter capital increased to VND 28,450 billion, and equity reached VND 40,373 billion, an increase of 15.34% compared to 2024, ensuring a solid capital base and operational safety. Capital mobilization showed stable growth, with total deposits and government bonds reaching VND 221,791 billion, an increase of 11.58% compared to 2024.

Furthermore, SeABank's reputation in the international market continues to grow, helping the bank secure an additional $80 million investment from the French Development Finance Corporation (Proparco) and the Dutch Enterprise Development Bank (FMO), bringing SeABank's total international market mobilization to over $1.1 billion. This provides SeABank with additional resources to support small and medium-sized enterprises (SMEs) and women-owned businesses in accessing finance, while also strengthening environmental and social risk management and combating climate change.

In 2025, SeABank also completed the transfer of Postal Finance Company Limited (PTF) to its partner AEON Financial Service Co., Ltd. (AEON Financial). This will help the bank restructure its capital sources and strengthen its financial capacity, continue to expand its scale, invest in technology, promote business in a focused direction, and be ready to accelerate sustainable growth in the next phase.

Redefining the strategic framework, ready for accelerated growth.

2025 marks a significant strategic milestone for SeABank as it officially announces its new strategic framework of Purpose - Vision - Aspiration - Values, laying the foundation and direction for the Bank to continue its sustainable development in the next phase.

Driven by a desire to deliver exceptional satisfaction and service, the bank actively implements specialized products and services aligned with modern financial trends and lifestyles. Notable examples include the SeASoul 2in1 Visa card in collaboration with singer My Tam, the SeAPremium Lounge – a dedicated transaction and consultation space for priority customers, and the exclusive SeAPremium Golf Master tournament. In particular, SeABank was the exclusive sponsor of My Tam's See The Light live concert – the largest solo V-Pop show in history, attracting a record 40,000 attendees and featuring a massive investment in international-standard stage, sound, and lighting systems, setting a new benchmark for concerts in Vietnam.

For corporate clients, SeABank implements customized solution packages tailored to the specific needs of female-owned businesses, FDI businesses, and businesses transitioning from household businesses. These efforts to serve customers according to their segments have contributed to the bank maintaining stable growth in 2025, while affirming its pioneering position in sustainable partnership and delivering maximum value to customers.

Through redefining its strategic framework, SeABank officially incorporates responsibility and sustainability into all its decisions, adhering to its vision of becoming a "bank that puts people and communities first." Environmental, Governance, and Social (ESG) criteria are being strengthened, aiming to achieve 5% green credit portfolio by 2030, reduce greenhouse gas emissions by 10%, support 100,000 female customers and women-owned businesses, achieve a 40% female leadership rate, ensure 100% financial transparency compliance, and publish annual ESG reports according to international standards.

Accordingly, SeABank will continue to strengthen transparency, ensuring compliance with Vietnamese regulations and standardizing its information disclosure, governance reporting, financial reporting, and annual reports according to international standards in 2025. The bank has maintained its position in the Top 10 Best Annual Reports - Finance Sector (VLCA 2025) and successfully published its Sustainable Development Report independently, affirming its transparency through concrete and measurable actions.

SeABank's total budget for social welfare and environmental activities in 2025 is over 33 billion VND, a 44% increase compared to 2024, allocated to many meaningful programs such as: handing over nearly 1,000 houses to poor households in Hoa Binh and Thai Nguyen provinces under the program to eliminate temporary and dilapidated houses; donating 6.5 billion VND to relief and recovery efforts after storms and floods in many localities… In addition, the SeADreams Scholarship Fund will sponsor 10 more poor students, and continue to award scholarships worth 1.5 million VND/month/student to 150 students until the end of grade 12. The SeAGreen Environmental Fund will plant nearly 671,000 new trees in Ha Tinh , completing the goal of planting 1 million trees ahead of schedule. The SeASmile Charity Fund will continue to implement annual charitable activities such as "Spring of Love," "SeABankers for Children," etc.

Source: https://thoibaonganhang.vn/seabank-dat-6868-ty-dong-loi-nhuan-truoc-thue-tang-truong-ve-quy-mo-va-hieu-qua-hoat-dong-177016.html