AsemconnectVietnam - In its presentation to the 2026 Annual General Meeting of Shareholders, F88 aims for a 25% increase in profit and a 42% increase in revenue for 2026. The company also outlines a sustainable development plan for the period 2026–2030.

Double-digit growth plan in a key year
According to the plan presented to shareholders, F88 aims to achieve consolidated pre-tax profit of approximately VND1,133 billion in 2026, an increase of about 25% compared to the 2025 figure. Simultaneously, projected revenue is approximately VND5,462 billion, an increase of about 42%, reflecting expectations of continued expansion of operations amidst consistently high demand for financial services.
In the lending segment – the core activity of the system – F88 aims for a net loan balance of approximately VND7,502 billion, an increase of over 33% compared to the previous year. This is an important indicator showing that the business continues to maintain significant growth while remaining within the framework of risk control and capital efficiency.
Simultaneously, the network is expected to expand to approximately 1,000 branches nationwide, a slight increase from the current 949 locations. This network expansion is selective, focusing on areas with high market potential and profitability.
In 2025, the company expanded its network by 81 transaction offices compared to 2024. The opening of new transaction offices focused on high-potential areas (Category A and B+), combined with the "Profitable Transaction Office" project, helping over 95% of transaction offices over one year old achieve profitability or break-even.
Through a strategic partnership with VNPost, F88 has expanded its reach to over 10,000 transaction points, supporting rural customers in accessing transparent and convenient financial services, while increasing coverage to the mass market segment.
F88's key objective for 2026 is to continue strengthening strategic partnerships with VNPost and MB Bank to increase brand coverage and multi-channel customer access.
Growth Based on Operational Efficiency and Digital Transformation
According to the Executive Board's report, the 2026 business strategy will not only focus on expanding scale but also on improving operational efficiency through digital transformation and optimizing the business model.
One of the key directions is to continue developing the MyF88 application as a multi-utility financial service portal, helping customers access services more quickly and conveniently. Increasing the proportion of online transactions and customer self-service capabilities is expected to reduce operational pressure at transaction points and improve overall system productivity.
In 2025, F88 launched the MyF88 application, helping the proportion of online loan contracts to account for approximately 30% of the total number of contracts in the entire system. In terms of customer base, the system recorded nearly 1.4 million cumulative customers and over 6 million insurance policies issued, with an impressive 73% increase in disbursements compared to the previous year.
This result demonstrates the breakthrough improvement in user experience on the My F88 application, with a Net Promoter Score (NPS) reaching a high of 75%.
Technology is the core foundation of F88's operations in 2025. Other notable achievements during the year include upgrading the LOS system to version 3, integrating infrastructure to support new products such as revolving credit lines; building Lakehouse and a Business Intelligence (BI) platform for real-time data analysis; and deploying a Command Center to centralize monitoring of transaction offices. F88 has completed system integration with major banks CIMB and MB, creating a solid foundation for its Embedded Finance and Agent Banking models, helping to expand business scale, improve cost of capital (COF), and accelerate disbursement processing.
In addition, in 2026, F88 also plans to launch new products such as revolving credit lines and supplemental loans, aiming to extend the customer lifecycle and increase the efficiency of leveraging its existing customer base.
According to the company's direction, developing more flexible financial products will help F88 better meet the diverse financial needs of the lower-income customer segment – a segment considered to have significant growth potential in Vietnam.
A notable point in the documents presented to the Shareholders' Meeting is F88's emphasis on a growth strategy based on financial discipline and efficient use of capital (ROE, ROA).
In 2025, the cost-to-income ratio (CIR) is projected to decrease by a further 2.2% compared to 2024, reaching a record low thanks to process digitalization and effective risk management. Operational performance indicators are superior to the market, with ROE reaching 34%, ROA reaching 12%, and the net write-off rate decreasing to a low level, approximately 70% of the average for the 2021-2025 period.
N.Nga
Source: VITIC/Tinnhanhchungkhoan