With synchronized growth in both quantity and quality, VPBank's total assets surpassed 1.1 trillion VND.
Growth in scale is linked to quality.
By the end of June 2025, VPBank's consolidated total assets exceeded VND 1.1 trillion, with the bank itself reaching nearly VND 1.05 trillion, ranking first among private banks. Consolidated loan balances exceeded VND 842,000 billion, an increase of 18.6% compared to the beginning of the year and 30.3% compared to the same period last year. The small and medium-sized enterprise (SME) segment increased by 20% thanks to lending programs targeting priority industries, regions, and sectors under Resolution 68.
Deposits and individual securities increased by 27.5% year-on-year, more than four times the industry average growth rate (6.11% as of June 26). CASA reached nearly VND 100 trillion, an increase of almost 40% thanks to products such as Super Profit and marketing activities. VPBank also successfully raised a syndicated loan of USD 1.56 billion from international financial institutions in the first six months.
According to Circular 31, the individual non-performing loan ratio stands at 2.31%, with Group 2 loans decreasing for four consecutive quarters. In the first six months of the year, consolidated recovery from risk-managed loans reached over VND 1,700 billion. Resolution 42, now legalized, provides a legal basis to support VPBank in handling non-performing loans and strengthening its finances.
Safety indicators continued to remain within regulatory limits: LDR 80.2%, short-term capital for medium- and long-term loans 25.8%. The consolidated capital adequacy ratio (CAR) reached nearly 14%, among the highest in the market. In the second quarter, VPBank spent nearly VND 4,000 billion paying dividends, demonstrating its financial capacity and commitment to shareholders.
Profits increased by 30%, with the ecosystem playing a major role.
In the first half of 2025, VPBank's consolidated pre-tax profit reached VND 11,229 billion, a 30% increase year-on-year, achieving 44% of the annual plan. In the second quarter, profit reached VND 6,215 billion, exceeding forecasts from many securities companies. The bank as a whole played a major role with VND 5,753 billion in profit in the second quarter, a 61% increase.
Member companies made positive contributions. VPBankS earned nearly 900 billion VND in profit, an 80% increase, with margin lending outstanding at nearly 18,000 billion VND, ranking among the top 4 in the securities industry. FE CREDIT recorded a profit for the fifth consecutive quarter, reaching 270 billion VND thanks to restructuring.
In addition, components such as OPES Insurance and CAKE by VPBank's digital banking platform have also actively contributed to VPBank's financial ecosystem, through continuously expanding services and enhancing user experience on a modern technology platform. GPBank - the newest member in VPBank's ecosystem - is undergoing a strong transformation and preparing to announce a new strategy and image, establishing a modern information technology system.
The VPBank K-star Spark in Vietnam event with G-Dragon attracted over 40,000 attendees, generating over 128 million impressions and 30 million interactions. Beyond brand promotion, the program provided a significant boost to business operations: new credit card issuance increased by 45%, card spending increased by over 51%, nearly 30,000 Super Profit Accounts were opened, and payment account balances increased by over 4 trillion VND.
VPBank's leadership stated: For many years, VPBank has always considered corporate governance as a core foundation to ensure stable operations and long-term growth. The bank maintains a transparent and efficient governance system, in line with international practices, and was honored as one of the Top 5 listed companies with the highest ASEAN Corporate Governance Score (ACGS) in 2024. The bank launched VPBank Private, a private financial service for high-end customers, providing asset management solutions and specialized services.
Despite the economic challenges in the second half of the year, such as tariff pressures, bad real estate debt, and capital costs, VPBank, with its solid capital, liquidity, technology, and governance foundations, 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
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