VIB achieved 9-month profit of more than VND 7,040 billion, up 7%, paid 21% dividend 2025

Vietnam International Bank (VIB) announced its business results for the first 9 months of 2025 with pre-tax profit reaching over VND 7,040 billion, up 7% over the same period in 2024. Credit and deposit growth reached 15% and 11% respectively. Asset quality continued to improve, safe management and maintained at an optimal level.

VIB announced its business results for the first 9 months of the year with a profit of more than VND 7,040 billion, up 7% over the same period.

Positive growth, maintaining a strong and secure balance sheet

As of September 30, 2025, VIB's total assets reached more than VND 543,000 billion, up 10% compared to the beginning of the year. Outstanding credit reached nearly VND 373,000 billion, up 15% compared to the beginning of the year, with equal contributions from three main business segments including Individual Customers, Corporate Customers and Financial Institutions.

Customer deposits recorded a growth of more than 11%, reaching nearly VND 308,000 billion. Notably, CASA balance and Super Yield accounts increased by 39% compared to the beginning of the year, showing the effectiveness of the strategy of optimizing idle cash flow. Also in the third quarter of 2025, VIB officially launched a combination solution of Super Yield accounts and Smart Card cashback payment cards with the goal of "Leading the trend of profitability".

VIB Profitable Duo Helps Money in Account Earn Up to 9.3%

Asset quality continued to improve significantly in Q3, with the NPL ratio falling to 2.45%, down 0.23 percentage points compared to the end of Q1. VIB's loan portfolio maintained a balanced proportion with over 73% of outstanding loans belonging to the Retail and SME segments, of which over 90% of retail loans have fully legal real estate collateral, concentrated in large urban areas. Meanwhile, 27% of the credit portfolio for Corporate Customers and Financial Institutions mainly focuses on industry leaders in FDI, State-owned and private enterprise groups.

In the third quarter, the bank issued 14% bonus shares, completing the payment of a total of 21% of dividends in cash and shares. Safety management indicators remained at an optimal level, in which the Basel II capital adequacy ratio (CAR) reached 12.4% (regulation: over 8%), the loan-to-deposit ratio (LDR) was at 79% (regulation: under 85%), the short-term capital ratio for medium and long-term loans was 27% (regulation: under 30%) and the Basel III net stable capital ratio (NSFR) was 107% (Basel III standard: over 100%).

9-month profit increased by 7%, promoting revenue diversification

At the end of the first 9 months of 2025, VIB recorded a total operating income of more than VND 14,700 billion, pre-tax profit of over VND 7,040 billion, up 7% over the same period. Net interest income reached nearly VND 11,900 billion, continuing to be the main contributor in the context of banks promoting credit in all customer segments. Responding to the Government's direction on credit support, VIB's lending interest rates were maintained at a reasonable level, contributing to promoting economic recovery. Net interest margin (NIM) reached 3.2%, ensuring a balance between profitability and asset quality.

Non-interest income contributed positively, accounting for more than 19% of total operating income, mainly from fees and service activities. As of September 30, 2025, VIB's credit cards exceeded the one million mark in circulation, with total spending after 9 months reaching more than VND 104,000 billion, up 15% over the same period.

Chart: Number of credit cards in circulation at VIB from 2019 - 9M2025 (Unit: thousand cards)

Perfecting the comprehensive financial ecosystem, enhancing customer experience

Facing the trend of customers looking for comprehensive financial solutions instead of single products, Vietnam International Bank (VIB) officially launched Privilege Banking with the positioning "Value is not only measured by assets, but by experience". Privilege Banking opens up a comprehensive privilege ecosystem, combining financial benefits - lifestyle - high-class services, affirming VIB's pioneering position in the priority banking segment in Vietnam.

Also in the third quarter, VIB was honored by Visa International Card Organization with three awards within the framework of the Visa Vietnam Customer Conference 2025 including Digital Pioneer - Pioneer in deploying new digital solutions in Vietnam; Payment Volume Growth - Bank with outstanding growth in card transaction turnover, Supply Chain Payment & Commercial Card Innovation 2025 - Pioneer in supply chain payment and corporate card innovation with VIB Business Card.

Positive results in the first 9 months of the year continue to affirm VIB's correct orientation in improving operational efficiency, controlling risks and promoting digitalization. With a solid financial foundation, high credit quality and an increasingly complete digital ecosystem, VIB is ready to accelerate in the 4th quarter, continuing to create sustainable value for customers, shareholders and the Vietnamese economy.

Source: https://baodautu.vn/vib-dat-loi-nhuan-9-thang-hon-7040-ty-dong-tang-7-chi-tra-21-co-tuc-2025-d425123.html