Vietcombank continues to lead the system in terms of charter capital.

Military Commercial Joint Stock Bank (MB) rose to second place after completing a capital increase from VND 61,023 billion to VND 81,000 billion. Third in the system is Vietnam Prosperity Commercial Joint Stock Bank ( VPBank ), with VND 79,339 billion, unchanged from the end of 2024.

Techcombank (Vietnam Technological and Commercial Bank) ranked fourth, with a charter capital of VND 70,649 billion. Next was BIDV (Vietnam Investment and Development Bank), with a charter capital of VND 70,214 billion, an increase of nearly 2%. VietinBank (Vietnam Joint Stock Commercial Bank for Industry and Trade) held the sixth position, with a charter capital of VND 53,700 billion. Agribank (Vietnam Bank for Agriculture and Rural Development) also increased its charter capital to VND 51,600 billion.

Vietcombank has the largest charter capital in the banking system. Photo: VCB

With a roadmap to raise the CAR (Capital Adequacy Ratio – the ratio of a bank's capital to its risk-weighted assets and short-term liabilities) to at least 10.5% by 2033, increasing charter capital is no longer an option, but a mandatory requirement for banks.

Therefore, many banks are planning to increase their capital. For example, Saigon - Hanoi Commercial Joint Stock Bank (SHB) recently announced a change in the number of voting shares from 4.1 billion to nearly 4.6 billion shares, after completing the issuance of shares to pay dividends for 2024, thereby increasing its charter capital to nearly 46,000 billion VND, corresponding to a capital increase ratio of 13%.

Orient Commercial Bank (OCB) completed the distribution of bonus shares to existing shareholders in August at a rate of 8%, thereby increasing its charter capital to VND 26,630 billion.

An Binh Commercial Joint Stock Bank (ABBank) plans to increase its charter capital from VND 10,350 billion to VND 13,973 billion, a 35% increase, in order to secure additional capital for its business operations and comply with the State Bank of Vietnam's regulations on sufficient internal capital.

According to Circular No. 14/2025/TT-NHNN issued by the State Bank of Vietnam (dated June 30, 2025) regulating capital adequacy ratios for commercial banks and branches of foreign banks, commercial banks without subsidiaries or branches of foreign banks must maintain individual capital adequacy ratios including: a minimum Tier 1 core capital ratio of 4.5%; a minimum Tier 1 capital ratio of 6%; and a minimum capital adequacy ratio of 8%.

For commercial banks with subsidiaries, the individual and consolidated capital adequacy ratios must also meet the following levels: a minimum Tier 1 core capital of 4.5%, a minimum Tier 1 capital of 6%, and a minimum capital adequacy ratio of 8%.

Source: https://hanoimoi.vn/vietcombank-tiep-tiep-dan-dau-he-thong-ve-von-dieu-le-715559.html