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Mr. Phan Duc Tu, Chairman of the Board of Directors of BIDV . |
BIDV leaders stated that by the end of 2025, the bank's total assets will reach over 3.25 trillion VND, a 20% increase compared to 2024, maintaining its position as the largest joint-stock commercial bank in Vietnam in terms of total assets. Deposits will reach over 2.4 trillion VND, a 13.7% increase.
In 2025, BIDV's outstanding credit balance will reach over 2.3 trillion VND, representing a growth of 15.2%. Credit quality will be controlled within limits; the non-performing loan ratio, as per Circular 31, will be controlled at 1.2%.
By the end of 2025, the bank achieved consolidated pre-tax profit exceeding VND 36,000 billion. Profitability and operational safety indicators were ensured: ROA reached 1.01%; ROE reached 19.02%; and the capital adequacy ratio (CAR) reached 9%.
By the end of 2025, the bank's individual equity reached VND 163,000 billion, a growth of 19.6%; charter capital exceeded VND 70,000 billion; market capitalization reached VND 273,000 billion (equivalent to USD 10.5 billion); and it contributed over VND 12,700 billion to the state budget, placing it among the leading enterprises in corporate income tax payments.
The operations of subsidiaries, joint ventures, and associated companies remained stable; pre-tax profit of subsidiaries reached over VND 1,490 billion; pre-tax profit of joint ventures and associated companies reached over VND 1,470 billion.
To support its customers, BIDV proactively reduced costs and income by more than 5,600 billion VND last year in order to lower lending interest rates.
Deputy Governor Pham Quang Dung highly appreciated the results achieved by BIDV in 2025 and requested that it continue to play a solid pillar role in ensuring sustainable economic growth, closely following the directives and policies on monetary, credit and banking operations of the Government and the State Bank of Vietnam in 2026.
Mr. Phan Duc Tu, Chairman of the Board of Directors of BIDV, stated that, in line with the Government 's policies and the State Bank of Vietnam's operational guidelines, and recognizing its role as the largest bank in the market with a leading and dominant position in the banking industry, BIDV has established its overarching operating motto as "Discipline - Quality - Efficiency - Comprehensive Transformation".
In 2026, BIDV set key business targets: Credit outstanding managed within the credit limit assigned by the State Bank of Vietnam, projected to grow by 15% - 16%; Capital mobilization managed in accordance with capital utilization, ensuring safety and efficiency; Non-performing loan ratio controlled at ≤1.5%; Pre-tax profit striving for a 10% growth; Ensuring compliance with safety ratios as prescribed by the State Bank of Vietnam…
Prior to BIDV, other leaders of the big 4 banks also revealed their business results for 2025.
Specifically, according to VietinBank Chairman Tran Minh Binh, by the end of October 2025, VietinBank had basically completed the major targets assigned by the State Bank of Vietnam and the General Shareholders' Meeting. Total assets exceeded US$100 billion, equivalent to approximately VND 2.8 trillion, an increase of about 18% compared to 2024. VietinBank's outstanding loans are expected to reach nearly VND 2 trillion by the end of 2025, an increase of about 16%. Mobilized capital is estimated to reach nearly VND 2 trillion, an increase of 13% compared to the end of the previous year.
At the Vietnam Foreign Trade Commercial Bank (Vietcombank), Mr. Le Hoang Tung, Deputy General Director of Vietcombank, stated that in 2025, the bank aims for credit growth of approximately 15%, with an absolute increase of about VND 215,000 billion, of which 32% of outstanding loans are concentrated in priority sectors. Notably, in the context of many localities being severely affected by natural disasters, Vietcombank has implemented support programs with a total preferential credit outstanding of VND 810,000 billion, accounting for nearly 50% of the total portfolio, and interest rate support of approximately VND 2,000 billion during the year.
Meanwhile, at Agribank, Mr. To Huy Vu, Chairman of the Board of Members, stated that in 2025, Agribank's credit outstanding growth is expected to reach approximately 14.8%, achieving 100% of the plan assigned by the State Bank of Vietnam; market I capital sources will grow positively, ensuring capital balance; the non-performing loan ratio will be controlled at approximately 1.2%; debt recovery after risk management will reach approximately VND 16,000 billion; and the cost-to-income ratio (CIR) will continue to decrease.
Source: https://baodautu.vn/tong-tai-san-bidv-da-vuot-325-trieu-ty-dong-dat-36000-ty-dong-loi-nhuan-nam-2025-d485386.html
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