Amid heightened global economic volatility and an increasingly risk-prone financial environment, Vietcombank closed 2025 with predominately positive business results. Growth quality was tightly controlled, and the bank’s role as a key pillar of the Vietnamese banking system became ever more evident.

Mr. Nguyen Thanh Tung, Chairman of the Board of Directors of Vietcombank, delivered the opening address at the conference summarising Party-building activities and business performance in 2025 and outlining key tasks for 2026

Selective growth with quality as the foundation

By the end of 2025, Vietcombank’s total assets reached VND2.48 quadrillion, an increase of nearly 20 per cent year-on-year. Outstanding credit to the economy amounted to approximately VND1.66 quadrillion, up more than 15 per cent.

Market I mobilised capital stood at VND1.68 quadrillion, growing by over 10 per cent compared with the end of the previous year. The before-tax profit met the planned target, while profitability indicators—ROA and ROE—remained among the highest in the sector. The non-performing loan (NPL) ratio was strictly controlled at below 1 per cent.

Mr. Nguyen Thanh Tung, Member of the Executive Committee of the Government Party Committee, Secretary of the Vietcombank Party Committee, and Chairman of the Board, received a Certificate of Merit from the Prime Minister Pham Minh Chinh for outstanding achievements in studying and following Ho Chi Minh’s ideology, ethics, and style

Strong governance capacity and a clear pillar role

In 2025, Vietcombank effectively fulfilled its “dual mandate”: sustaining business growth while carrying out key political responsibilities in the restructuring of the banking system.

The mandatory transfer and restructuring plan for Construction Bank (now VCBNeo) was implemented decisively and in a synchronized manner, delivering initial positive results ahead of schedule.

The bank launched 28 preferential lending programs and interest rate policies, offering rates 0.5–2 percentage points lower than the market average. Nearly 39,000 customers gained access to preferential capital, with total outstanding loans of approximately VND810 trillion, accounting for nearly 49 per cent of Vietcombank’s total credit portfolio.

The Vietcombank Party Committee was awarded a Certificate of Merit by the Government Party Committee

Vietcombank continued to be one of the largest contributors to the state budget, with contributions reaching nearly VND15 trillion in 2025.

Accelerating digital transformation and national-level contributions

In 2025, Vietcombank rolled out a series of end-to-end digital solutions, notably the “Online Lending – Digital Disbursement” feature, the integration of remote digital signatures via VNeID, and service expansion solutions such as VCB Tablet to broaden customer access points.

Thirteen Vietcombank branches were commended by the State Bank of Vietnam for outstanding performance and leadership in the banking sector’s emulation movement

The Bank maintained its role as a key arranger of capital for major national projects and continued to receive credit ratings equivalent to Vietnam’s sovereign ceiling from all three leading global rating agencies—S&P, Moody’s, and Fitch.

2026: Strategic continuity and stronger foundations

During the 2020–2025 period, Vietcombank’s credit outstanding grew at an average annual rate of nearly 15 per cent, while NPLs were consistently kept below 1 per cent. Owners’ equity expanded strongly, providing a solid financial foundation for long-term strategic objectives.

Looking ahead to 2026, Vietcombank has clearly identified the need to renew its growth model while remaining steadfast in the core values that have underpinned its leading position in the banking sector.

Three units including Vietcombank Transaction Centre, Nam Sai Gon Branch, and Thanh Cong Branch were recognised for exceptionally outstanding business performance in 2025

Digital transformation, together with the application of big data and artificial intelligence, will continue to serve as key growth drivers, alongside priority credit programs and the promotion of green and sustainable finance.

VCB News