AsemconnectVietnam - National Citizen Commercial Joint Stock Bank (NCB, code NVB) has just announced its business results for the second quarter of 2025 with an estimated after-tax profit of over VND311 billion, an increase of nearly 6.5 times compared to the same period in 2024.

In the first 6 months of 2025, NCB's after-tax profit is estimated to reach over VND462 billion, a sharp increase compared to VND6 billion in the same period in 2024. Total assets as of June 30, 2025 are estimated to reach over VND144,054 billion, an increase of 21.6% compared to the end of 2024 and exceeding 6.3% compared to the plan for the whole year of 2025 of VND135,500 billion.
Customer loans are estimated to reach nearly VND86,835 billion, up 22% compared to December 31, 2024. NCB's total capital mobilization (including customer deposits and issuance of valuable papers) is estimated to reach more than VND120,148 billion, up 19.6% compared to the end of 2024, equivalent to an increase of more than VND19,726 billion in the context of the general mobilization interest rate in the market being at a low level.
Compared to the 2025 plan approved at the Annual General Meeting of Shareholders at the end of March, customer loans in the first 6 months of the year are about to reach the set target, reaching 90.4% and total capital mobilization exceeding nearly 1.4%.
With strong growth in core business activities, NCB's total net interest income in the first 6 months of the year is estimated at VND1,262.5 billion, an increase of 155% over the same period in 2024.
Other business activities such as service activities, foreign exchange trading activities, investment securities trading activities... are all profitable in the second quarter and the first 6 months of 2025.
In 2025, NCB aims to continue increasing its capital to VND19,280 billion. Currently, NCB's capital increase plan has been approved by the State Bank. NCB has also found 17 professional investors to register to participate in this private offering of shares, including a number of investors who are existing shareholders of NCB - showing that investors' confidence in the bank's long-term development orientation is increasing.
If the private offering of 750 million shares is successful, this will be the third capital increase in 4 consecutive years (2022 - 2025) of NCB. Accordingly, the charter capital of NCB will increase earlier than the roadmap set out in the approved restructuring plan, helping NCB consolidate financial resources, increase stable long-term capital to expand business operations.
N.Nga
Source: VITIC/Tinnhanhchungkhoan