AsemconnectVietnam - Eximbank's total pre-tax profit in 2025 reached VND1,511.7 billion, achieving only 29.12% of the annual plan.

The consolidated financial report for the fourth quarter of 2025 shows that the bank's net interest income increased by 11.4% to VND1,690.8 billion compared to the same period. During the quarter, Eximbank recorded a slight decrease in service activities; however, foreign exchange trading still brought in VND115.5 billion, and profit from other activities reached VND151.8 billion.
For the full year 2025, Eximbank's net interest income reached VND5,979.6 billion, a slight increase of 0.95% compared to the previous year. Eximbank's total pre-tax profit in 2025 reached VND1,511.7 billion, achieving only 29.12% of the annual plan. However, total assets, deposits, and outstanding loans all recorded double-digit growth. In particular, operational safety indicators such as the non-performing loan ratio, capital adequacy ratio (CAR), and liquidity ratio (LDR) were tightly controlled and remained within safe limits, exceeding the State Bank of Vietnam's regulations.
2025 is considered a pivotal year, full of challenges but also full of decisive action for Eximbank. Instead of chasing rapid growth figures, the bank proactively prioritized cleaning up its balance sheet and investing heavily in comprehensive restructuring. The most notable highlight in Eximbank's 2025 financial picture is the significant increase in risk provision by VND1,526 billion, a 57.5% increase compared to the previous year. This is a proactive and prudent decision aimed at strengthening the financial buffer, helping the bank enhance its resilience against unpredictable market fluctuations. The increase in provisions inevitably led to a pre-tax profit of over VND1,511 billion in 2025, falling short of the initial plan's expectations.
However, this "decline" is part of a strategic calculation. Eximbank accepts sacrificing short-term benefits for safety, transparency, and to create favorable conditions for improving asset quality in subsequent periods. Despite the impact of provisions and investment costs on profits, Eximbank's core business activities remain stable.
As of December 31, 2025, Eximbank's total assets reached VND273,270 billion, an increase of 13.97% compared to the beginning of the year. Capital mobilization reached VND242,669 billion, an increase of 15.52% compared to the beginning of the year. Outstanding loans reached VND196,077 billion, an increase of 16.55% compared to the beginning of the year. The non-performing loan ratio was controlled at below 3%. The simultaneous growth of total assets, deposits, and loans demonstrates Eximbank's increasingly prominent role in channeling capital to the economy, accompanying businesses and people in the new recovery and growth cycle of the economy.
Eximbank stated that it is focusing its efforts on comprehensive restructuring and system transformation. The sharp increase in operating expenses during the year was mainly due to the bank's focus on investing in: high-quality human resources; implementing key technology and operational projects to enhance long-term competitiveness; and strengthening its governance foundation according to international standards.
These self-driven efforts have helped Eximbank receive a credit rating upgrade from S&P Global Ratings to BB- with a "stable" outlook in 2025. This is the most objective evidence of the bank's correct direction in recent times.
By the end of 2025, Eximbank has completed strengthening its internal capabilities. The financial and operational foundations built during this period will serve as a springboard for the bank to enter 2026 with a new mindset. Aiming for a safer balance sheet and a more modern governance system, Eximbank expects to make a strong breakthrough, unleashing its internal strengths to create long-term and sustainable value for shareholders and customers.
N.Nga
Source: VITIC/Tinnhanhchungkhoan