VietinBank first 9 months of 2025: Maintaining outstanding growth, good control of asset quality

On the afternoon of November 13, 2025, VietinBank successfully held a conference to update business results for the third quarter of 2025.

Outstanding growth in both scale and efficiency

In the first 9 months of 2025 , VietinBank continued to deploy synchronous solutions, growing in scale combined with improving cost efficiency , strictly controlling asset quality ... thereby achieving impressive business results, safe and sustainable growth , specifically:

About scale:

- Total assets reached VND 2,762 trillion , up 15.8% compared to the end of 2024.

- Outstanding loans reached 1,991 trillion VND , up 15.6% compared to the end of 2024, higher than the credit growth rate of the entire banking industry (13.4%); growth in all corporate and retail customer segments, focusing on essential production and business activities, trade and services, import and export, consumer loans...

- The ratio of bad debt/outstanding loans is controlled at 1.09 % , down compared to the end of the second quarter of 2025 and the end of 2024. Bad debt coverage ratio is high ( 176.5% ), continue to strengthen financial reserve buffer for VietinBank.

- Customer deposits reached 1,776 trillion VND, an increase 10.5 % compared to the end of 2024. Of which, CASA capital reached 445.8 trillion VND , an increase of 11.7% compared to the end of 2024. The proportion of CASA/total mobilized capital reached 25.1% ( an increase of 0.3 percentage points compared to the end of 2024).

- VietinBank continues to improve efficiency and optimize operating costs, promote digital transformation and key projects such as: Improving service quality / human resource quality ; prioritizing business promotion activities ... CIR ratio is at 27.2 % , equivalent to the end of 2024.

About efficiency:

- Debt recovery and risk settlement reached 6.8 trillion VND, up 12.9% over the same period in 2024.

- Total operating income reached 63.9 trillion VND , up 5.4% over the same period in 2024, continuing to maintain the Top 1 position in the Banking Industry .

- Net operating profit before credit risk provision expenses First 9 months of 2025 reached 46.5 trillion VND, up 4.1 % over the same period in 2024, continuing to be the highest in the Banking Industry . Cumulative credit risk provisioning costs in the first 9 months of 2025 were at 16.9 trillion VND , down 32.6% over the same period in 2024 thanks to VietinBank's strict control of credit quality. Pre-tax profit reached 29.5 trillion VND, up 51.4% over the same period in 2024 , reaching the Top 2 position in the Banking Industry.

- Liquidity ratios are controlled at safe levels, complying with regulations of the State Bank of Vietnam .

Board of Directors member Pham Thi Thanh Hoai ( middle) chaired the conference to update VietinBank's third quarter 2025 business results.

Continue to vigorously implement comprehensive digital transformation

Along with outstanding business results, VietinBank continues to strongly implement digital transformation activities. By the end of the third quarter of 2025, 45 initiatives (business and platform) were launched , of which 17 initiatives /features go-live in the third quarter of 2025. In the business innovation segment, VietinBank focuses on digitalizing services, applying technology, improving experience and operational efficiency such as: Online home loan journey , eKYC KHDN , Merchant platform, SWIFT, cross-selling products... With these solutions, customers can quickly and easily experience VietinBank's digital products and services on a modern, safe and flexible technology platform.

In addition, VietinBank focuses on developing fundamental initiatives in information technology , infrastructure investment, data , operations, risk management, etc. to strengthen technological strength, improve data capacity, increase safety, security and modernize infrastructure; at the same time, continue to focus on training and improving the quality of human resources to serve digital transformation.

With the achieved results and solid foundation, in the coming time, VietinBank aims to : Increase business efficiency, optimize operating costs, improve customer experience, diversify income sources , create sustainable/differentiated competitive advantages in the market.

Overview of VietinBank's Q3/2025 Business Results Update Conference

---

[NMQ1] Waiting for Mr. Ha to fix it

Source: https://www.vietinbank.vn/vi/tin-tuc/tin-tuc-va-su-kien/vietinbank-9-thang-dau-nam-2025-duy-tri-tang-truong-vuot-troi-kiem-soat-tot-chat-luong-tai-san-20251114053332-00-html