VIB achieved a profit of over VND 7,040 billion in the first nine months, an increase of 7%, and paid out a 21% dividend for 2025.

VIB announced its business results for the first nine months of the year, reporting a profit of over VND 7,040 billion, a 7% increase compared to the same period last year.

Positive growth, maintaining a strong and secure balance sheet.

As of September 30, 2025, VIB's total assets reached over VND 543,000 billion, a 10% increase compared to the beginning of the year. Outstanding loans reached nearly VND 373,000 billion, a 15% increase compared to the beginning of the year, with contributions evenly distributed across its three main business segments: Individual Customers, Corporate Customers, and Financial Institutions.

Customer deposits recorded growth of over 11%, reaching nearly VND 308,000 billion. Notably, CASA balances and Super Yield accounts increased by 39% compared to the beginning of the year, demonstrating the effectiveness of the strategy to optimize idle cash flow. Also in Q3 2025, VIB officially launched a solution combining Super Yield accounts and Smart Card cashback payment cards with the goal of "Leading the trend in profitability".

The VIB profit-generating duo helps money in your account earn up to 9.3%

Asset quality continued to improve significantly in Q3, with the non-performing loan ratio decreasing to 2.45%, down 0.23 percentage points from the end of Q1. VIB's loan portfolio maintained a balanced proportion, with over 73% of outstanding loans in the Retail and SME segments, of which over 90% of retail loans were secured by fully legal real estate, concentrated in major urban areas. Meanwhile, 27% of the credit portfolio was allocated to Corporate and Financial Institutions, mainly focusing on industry leaders in the FDI, State-owned, and private sectors.

In Q3, the bank issued 14% bonus shares, completing the payment of a total of 21% in cash and stock dividends. The bank's safety management indicators remained at optimal levels, with a Basel II capital adequacy ratio (CAR) of 12.4% (requirement: above 8%), a loan-to-deposit ratio (LDR) of 79% (requirement: below 85%), a ratio of short-term funding for medium- and long-term loans of 27% (requirement: below 30%), and a Basel III net stable funding ratio (NSFR) of 107% (Basel III standard: above 100%).

Profits for the first nine months increased by 7%, boosting diversification of revenue sources.

At the end of the first nine months of 2025, VIB recorded total operating income of over VND 14,700 billion, pre-tax profit reaching over VND 7,040 billion, a 7% increase compared to the same period. Net interest income reached nearly VND 11,900 billion, continuing to be the main contributor as the bank boosted lending across all customer segments. Responding to the Government's directive on credit support, VIB's lending interest rates were maintained at a reasonable level, contributing to economic recovery. The net interest margin (NIM) reached 3.2%, ensuring a balance between profitability and asset quality.

Non-interest income made a positive contribution, accounting for over 19% of total operating income, mainly from fees and service activities. As of September 30, 2025, VIB's credit cards exceeded one million in circulation, with total spending after 9 months reaching over VND 104,000 billion, a 15% increase compared to the same period.

Chart: Number of credit cards in circulation at VIB from 2019 - 9T2025 (Unit: thousands of cards)

Completing a comprehensive financial ecosystem and enhancing the customer experience.

Responding to the trend of customers seeking comprehensive financial solutions rather than individual products, Vietnam International Bank (VIB) officially launched Privilege Banking with the positioning "Value is measured not only by assets, but by experience." Privilege Banking opens up a comprehensive ecosystem of privileges, combining financial benefits, lifestyle, and premium services, affirming VIB's pioneering position in the priority banking segment in Vietnam.

Also in Q3, VIB was honored by Visa International with three awards at the Visa Vietnam Customer Conference 2025, including Digital Pioneer - Pioneering the deployment of new digital solutions in Vietnam; Payment Volume Growth - Outstanding growth in card transaction volume; and Supply Chain Payment & Commercial Card Innovation 2025 – Pioneering supply chain payments and corporate card innovation with VIB Business Card.

The positive results in the first nine months of the year further affirm VIB's correct direction 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 Q4, continuing to create sustainable value for customers, shareholders, and the Vietnamese economy.

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