Vietcombank representatives discuss the Bank’s fourth-quarter 2025 business results with investors via an online platform.

Vietcombank representatives provided an overview of Vietnam’s economy and analysed major trends, including economic growth, inflation, monetary policy and factors expected to affect the financial and banking system over the medium to long term. Against this backdrop, the representatives highlighted key positive indicators in Vietcombank’s performance, reflecting the Bank’s strong financial foundation, operational efficiency and prudent risk management capabilities.

In 2025, despite uncertainties in the global economy, Vietnam maintained strong growth momentum, with full-year GDP growth reaching 8.02%. Foreign direct investment continued to serve as an important growth driver, reflecting international investors’ sustained confidence in Vietnam’s economic fundamentals and long-term prospects. Total registered FDI exceeded USD 38 billion, while disbursed FDI reached approximately USD 27.6 billion. Credit demand also remained strong, with system-wide credit growth reaching nearly 18%, thereby supporting economic activity and the expansion of business and production.

Against this backdrop, Vietcombank continued to deliver solid and positive business results in 2025. Full-year profit before tax reached VND 44.02 trillion, supported by stable core banking income and disciplined balance-sheet management. Credit growth and customer deposits increased by 15.3% and 10.5%, respectively, providing a strong foundation for continued business growth.

At the same time, asset quality remained among the best in the banking system, with the non-performing loan ratio standing at 0.97%. The Bank maintained a strong provisioning buffer, with a non-performing loan coverage ratio of 174%, while its capital position improved, with the capital adequacy ratio reaching 11.7%. These results further strengthened Vietcombank’s capacity to support sustainable growth and enhance its resilience as it entered 2026.

Looking ahead to 2026, Vietcombank representatives noted that Vietnam’s policy direction would remain focused on sustaining economic growth, strengthening macroeconomic stability, promoting investment and improving productivity. In this context, Vietcombank remains firmly committed to sustainable development and long-term value creation.

As a leading bank in Vietnam, Vietcombank will continue to prioritise the interests of its shareholders and investors within its development strategy through a commitment to transparency, the consistent implementation of management policies and the continued strengthening of its resilience, while making positive contributions to the overall development of the Vietnamese economy.

Vietcombank sincerely appreciates the continued interest, support and confidence of its investors. The Bank remains committed to providing regular information updates, expanding and strengthening two-way communication, and proactively listening to investors’ feedback and recommendations, with the shared objective of achieving sustainable development and creating long-term value.

Further details about the event are available here.