Synchronous growth in quantity and quality, VPBank's total assets exceed 1.1 million billion VND
Growth in scale with quality
By the end of June 2025, VPBank's total consolidated assets exceeded VND1,100 trillion, of which the bank alone reached nearly VND1,050 trillion, leading the private banking sector. Consolidated credit balance was over VND842,000 billion, up 18.6% compared to the beginning of the year and 30.3% over the same period. The small and medium-sized enterprise (SME) segment increased by 20% thanks to lending programs by industry, region and priority areas under Resolution 68.
Deposits and individual valuable papers increased by 27.5% compared to the beginning of the year, more than four times the industry average growth rate (6.11% as of June 26). CASA reached nearly VND100,000 billion, up nearly 40% thanks to products such as Super Profit and marketing activities. VPBank also successfully mobilized a syndicated loan worth USD1.56 billion from international financial institutions in 6 months.
The individual bad debt ratio according to Circular 31 is at 2.31%, group 2 debt has decreased for four consecutive quarters. In the first six months of the year, revenue from consolidated risk-handled debt reached more than VND1,700 billion. Resolution 42 was legalized to create a legal basis to support VPBank in handling bad debt and consolidating finances.
Safety indicators continued to be maintained within the prescribed threshold: LDR 80.2%, short-term capital for medium and long-term loans 25.8%. Consolidated capital safety ratio (CAR) reached nearly 14%, among the highest in the market. In the second quarter, VPBank spent nearly VND 4,000 billion on dividends, demonstrating its financial capacity and commitment to shareholders.
Profit increased by 30%, ecosystem contributed greatly
In the first half of 2025, VPBank's consolidated pre-tax profit reached VND11,229 billion, up 30% year-on-year, completing 44% of the yearly plan. In the second quarter, profit reached VND6,215 billion, exceeding the forecast of many securities companies. Individual banks played a major role with VND5,753 billion in profit in the second quarter, up 61%.
Member companies made active contributions. VPBankS earned nearly VND900 billion in profit, up 80%, with outstanding margin loans of nearly VND18,000 billion, ranking in the top 4 of the entire securities industry. FE CREDIT made a profit for the fifth consecutive quarter, reaching VND270 billion thanks to restructuring.
In addition, pieces such as OPES Insurance and CAKE by VPBank digital bank also contribute positively to VPBank's financial ecosystem, through the continuous expansion of services and improvement of user experience on modern technology platforms. GPBank - the newest member of VPBank's ecosystem - is gradually transforming strongly and preparing to announce a new strategy, image, and establish a modern information technology system.
The VPBank K-star Spark in Vietnam event with G-Dragon attracted more than 40,000 viewers, generating more than 128 million impressions and 30 million interactions. Not only spreading the brand, the program was also a strong boost for business activities: The number of newly opened credit cards increased by 45%, card spending increased by more than 51%, nearly 30,000 Super Profit accounts were opened and the balance of payment accounts increased by more than 4,000 billion VND.
VPBank's leaders said: Over the years, VPBank has always considered corporate governance as the core foundation to ensure stable operations and long-term growth. The bank maintains a transparent and effective governance system in line with international practices and was honored as one of the Top 5 listed enterprises with the highest ASEAN corporate governance score (ACGS) in 2024. The bank launched VPBank Private, a separate financial service for high-end customers, providing asset management solutions and specialized services.
Although the second half of the year's economy faces many challenges such as tariff pressure, real estate bad debt and capital costs, VPBank, with its solid capital, liquidity, technology and governance foundation, is ready to expand and consolidate its position as the leading private bank in Vietnam.
Mr. Minh
Source: https://baochinhphu.vn/tang-truong-dong-bo-luong-va-chat-tong-tai-san-vpbank-vuot-moc-11-trieu-ty-dong-102250722153322506.htm
Comment (0)