AsemconnectVietnam - In 2025, Nam A Commercial Joint Stock Bank (Nam A Bank, ticker NAB - HOSE) recorded credit growth of 18.2%, total assets reaching VND418,335 billion, officially entering the Top 15 banks with the largest total assets in the system.

As of December 31, 2025, total deposits from economic organizations, individuals, and issued securities reached over VND211,000 billion, a growth of over 18.4% compared to the end of 2024.
Regarding lending activities, Nam A Bank achieved over VND198,000 billion, a growth of 18.2% compared to the beginning of the year. The total investment in government bonds and securities issued by credit institutions reached over VND40,000 billion, a strong growth of 92.1%.
The total value of international capital raised by Nam A Bank is approximately USD160 million, through bilateral loans and syndicated loans from reputable partners.
At the end of 2025, Nam A Bank recorded pre-tax profit of VND5,254 billion, an increase of 15.6% compared to 2024. Profitability indicators were maintained at high levels, with a Net Interest Margin (NIM) of 2.6%, a Return on Assets (ROA) of 1.3%, and a stable Return on Equity (ROE) around 20%, placing it among the leading banks in terms of return on equity, accurately reflecting the bank's expansion and growth.
Nam A Bank's total operating income increased by 27.4% to VND11,534 billion, demonstrating a comprehensive improvement in scale, efficiency, and quality of operations. Non-interest income increased more than 1.6 times year-on-year, stemming from the effective handling and recovery of previously risk-managed debts, coupled with increased investment and business activities in the capital market (with the securities trading segment alone contributing VND235 billion, double the amount year-on-year).
Net profit from service activities reached VND588 billion, while foreign exchange trading and securities trading reached VND265 billion, contributing 10.6% and 4.8% respectively to Nam A Bank's pre-tax profit structure.
Nam A Bank's non-performing loan ratio decreased significantly to 2.15% (1.93% before CIC), while the non-performing loan coverage ratio increased sharply to over 54%. The bank effectively managed and controlled operating costs in 2025, with the operating cost-to-income ratio (CIR) decreasing from 44% in 2024 to 33.2%.
The liquidity reserve ratio reached 20.4%, demonstrating the bank's prudent approach to liquidity management in a volatile market environment, exceeding the State Bank of Vietnam's (SBV) benchmark. The capital adequacy ratio (CAR) was maintained at a high level above 11%, far exceeding the minimum requirement of 8% as stipulated by the SBV, continuing to meet international standards under Basel III; and pioneering the full implementation of capital adequacy regulations according to Circular 14/2025/TT-NHNN of the SBV.
In addition, on December 30, 2025, Nam A Bank successfully completed the public issuance of VND1,000 billion in bonds. The entire bond issue was distributed to nearly 300 investors, demonstrating strong market interest and investor confidence in the offering. In the first quarter of 2026, the Bank will continue to issue the NAB202502 bond lot with a scale of VND1,000 billion, thereby completing the total offering value of VND2,000 billion as approved.
The capital raised from long-term bonds not only contributes to supplementing medium and long-term capital, but also plays a significant role in strengthening Tier 2 capital, improving and maintaining the capital adequacy ratio (CAR) at a high level compared to the regulations of the State Bank of Vietnam, thereby increasing the capital buffer, enhancing resilience and expanding to serve the bank's growth objectives in the future.
N.Nga
Source: VITIC/Tinnhanhchungkhoan