AsemconnectVietnam - In 2025, by leveraging the synergistic strength of prosperity, VPBank made a significant breakthrough, recording impressive business results and exceeding targets in all financial indicators: Consolidated total assets reached VND1.26 trillion, and pre-tax profit exceeded VND30,600 billion.

Asset quality continuously improved, reaching a scale of VND1.26 trillion
Maintaining a high growth rate throughout the year, Vietnam Prosperity Commercial Bank (VPBank; HoSE: VPB) ended 2025 with a solid position in the leading group in both scale and efficiency. Consolidated total assets reached VND1.26 trillion, a 36.4% increase compared to the beginning of the year and completing 111% of the plan set at the General Shareholders' Meeting.
Consolidated credit outstanding reached over VND961,000 billion, recording a strong breakthrough at both the parent bank and its member companies. Of this, individual credit reached VND850,000 billion, up 35% – marking the highest growth rate in many years.
The corporate segment played a leading role in growth through a strategy of diversifying key and high-potential sectors. Simultaneously, credit to small and medium-sized enterprises (SMEs) increased impressively by 38% thanks to increased lending to priority regions, industries, and sectors. In the fourth quarter, the individual customer segment recorded a strong breakthrough, achieving an annual growth rate of nearly 25%, driven by secured products such as home loans and auto loans; at the same time, unsecured loans made a positive comeback.
In 2025, thanks to product diversification to attract customers, deposits and individual securities recorded a growth rate of 35.6%, becoming a solid foundation for credit. The bank affirmed its position in the international capital market with long-term deposits, arranged and guaranteed by reputable institutions, totaling US$2.36 billion.

Despite maintaining strong deposit growth to meet the needs of expanding its balance sheet, VPBank still effectively controlled its individual capital costs. At the same time, safety ratios such as loan-to-deposit ratio (LDR) and short-term capital for medium- and long-term loans were controlled at 81.7% and 27.5% respectively, always complying with the regulations of the State Bank of Vietnam. The capital adequacy ratio (CAR) remained among the leading group, reaching over 14%.
In the fourth quarter, VPBankS completed a record-breaking IPO, raising nearly VND12,713 billion, thereby strengthening the capital base for both its subsidiary and the entire group.
Along with the expansion of scale, asset quality has significantly improved thanks to the synchronized implementation of various debt resolution measures. By the end of 2025, the consolidated non-performing loan (NPL) ratio under Circular 31 will decrease to below 3%; the individual NPL ratio will be around 2%.
Thanks to decisive efforts and a clear legal framework when Resolution 42 was legalized, the collection of risk-managed debt recorded strong results in the fourth quarter, with the individual bank contributing over VND1,400 billion, double the previous quarter. For the whole year of 2025, consolidated collection of risk-managed debt will reach VND5,713 billion.
Pre-tax profit reached over VND30,600 billion, a 53% increase.
In VPBank's growth journey in 2025, scale and efficiency are two factors that always go hand in hand. After four quarters, consolidated total operating income (TOI) reached nearly VND75,000 billion, continuing to lead the private banking sector.
Consolidated pre-tax profit reached its highest level in history, exceeding VND30,600 billion, a 53% increase compared to the same period last year, achieving 121% of the set plan. In the fourth quarter alone, profit exceeded VND10,200 billion, the highest in the past four years. Profitability indicators recorded significant improvement, with consolidated ROE and ROA reaching nearly 16% and 2.2% respectively. Affirming its leading position within the entire group, the parent bank achieved a profit of over VND26,300 billion in 2025, a 44.4% increase compared to 2024.
VPBankS recorded pre-tax profit of VND4,476 billion in 2025, four times higher than the same period last year, exceeding the adjusted plan. Margin lending balances exceeded VND34,000 billion, nearly four times higher than at the beginning of the year; and there is still room for growth of nearly VND34,000 billion thanks to strengthened capital after the IPO. In addition, in the fourth quarter, VPBankS' brokerage market share on the HoSE increased to 3.21%, ranking among the top 10 securities companies with the highest market share for the first time.
In the consumer finance sector, FE CREDIT maintained a stable recovery, reporting a profit of over VND600 billion for the second consecutive year. In the insurance sector, OPES exceeded its business plan, with a profit of over VND638 billion.
Simultaneously, after only one year of comprehensive restructuring with the support of its parent bank, GPBank recorded positive results, reporting a profit of over VND500 billion. Within VPBank's ecosystem, GPBank is being positioned as a digital banking component serving the SME customer segment.
Affirming its leading position with an internationally-oriented corporate governance model.
In 2025, the VPBank ecosystem will mark a significant milestone with the entry of GPBank, the IPO and listing of VPBankS, as well as future expansion plans.
Last December, VPBankS officially listed on the HoSE with a valuation of approximately US$2.5 billion, marking a significant milestone in its journey to becoming a leading investment bank in Vietnam. Besides strengthening the capital base for VPBankS and the entire group, the IPO also enhances transparency, increases shareholder value, and realizes growth targets in the new phase.
With its brand statement "For a Prosperous Vietnam," VPBank affirms its commitment to creating financial, spiritual, and physical prosperity for Vietnamese people through a series of milestones in the fields of culture, art, and sports. Over the past year, the bank has partnered with many major events, from the VPBank K-Star Spark In Vietnam music festival, the two-night G-Dragon 2025 World Tour [Übermensch] concert in Hanoi presented by VPBank, the VPBank Presents T1 in Vietnam: The Promise Fulfilled eSports festival, to academic art programs such as The Vienna Concert 2025, as well as numerous large-scale running events and art exhibitions.
The economy in 2026 still holds many unpredictable fluctuations, from external challenges such as geoeconomic confrontation, conflicts, and natural disasters to internal risks in trade and monetary policy pressures. However, with a solid foundation in capital, liquidity, technology, and management capabilities, VPBank remains firmly in a proactive position and ready to break through in the new transformation phase of 2026-2030.
N.Nga
Source: VITIC/Tinnhanhchungkhoan