AsemconnectVietnam - Concluding the first six months of 2026, amidst the country's push towards growth targets, digital transformation, and sustainable development, Vietcombank has marked its progress by improving the quality of growth, demonstrating an increasingly prominent role in accompanying national development goals, and laying a new foundation for accelerated growth in the second half of the year.

On July 10, 2026, the Vietnam Foreign Trade Commercial Bank (Vietcombank - VCB code) held a conference in Hanoi to summarize Party work and business activities in the first six months of 2026 and implement tasks for the last six months of the year.
Accompanying national development goals
In the first six months of 2026, Vietcombank continued to affirm its role as a leading bank in implementing major policies of the Party, Government, and State Bank of Vietnam. Under the leadership of the Party Committee, Vietcombank continues to closely integrate the fulfillment of political tasks with business development, creating a foundation for sustainable growth.
Vietcombank continues to lead capital flows into priority sectors and green finance, arranging financing for many key national projects in the energy, transportation infrastructure, and logistics sectors such as the Quang Trach II LNG terminal, Block B - O Mon, Phu Quoc International Airport, and the Hanoi and Ho Chi Minh City metro lines... By the end of May 2026, credit to priority sectors increased by nearly 8%, accounting for approximately 34% of the total credit volume. In addition, Vietcombank is implementing 10 preferential credit programs with interest rates up to 2% lower than the average in the first half of 2026.
Besides credit activities, Vietcombank continues to promote the development of the national digital financial infrastructure by expanding connections with the Public Service Portal, deploying payment solutions for administrative agencies, public service units, and hundreds of hospitals; and completing the conversion of the payment system according to the new organizational model of public administrative agencies and state budget revenue collection.
The bank is also expanding cooperation with international financial institutions, leveraging its strengths in serving FDI enterprises and accompanying the process of building an International Financial Center, contributing to strengthening the connection of capital flows and promoting investment and trade.
Along with boosting credit for priority sectors and developing green finance, Vietcombank continues to fulfill its social responsibility with a commitment to allocating nearly VND400 billion to social welfare programs in 2026, contributing to spreading sustainable development values to many localities nationwide.
Expanding growth potential from strategic segments
Besides its role in supporting national development goals, the quality of growth continues to be a highlight in Vietcombank's operations in the first six months of 2026.
By June 30, 2026, Vietcombank's total assets will reach nearly VND2.67 trillion, an increase of 9.83% compared to the end of 2025. Capital mobilization from Market I will reach over VND1.75 trillion; outstanding loans will reach VND1.74 trillion, an increase of 4.8%. Building on a solid financial foundation, Vietcombank continues to optimize its credit structure, prioritizing manufacturing and business sectors, SMEs, and FDI enterprises, while strictly controlling lending to sectors with potential risks.
The FDI sector continues to be the driving force behind wholesale growth, with outstanding loans increasing by over 16%; outstanding loans in the SME segment also increased by 10.4% compared to the beginning of the year. Leveraging its traditional advantages in international payments and trade finance, Vietcombank continues to expand its service ecosystem for foreign-invested enterprises, anticipating the trend of supply chain shifts and capital flows into Vietnam. As a result, international payment and trade finance volume increased by 16.1%, reaching a market share of 18.6%; foreign exchange trading volume increased by 20.3%, maintaining its leading position in the foreign banking sector.
In the retail segment, the VCB Digibank ecosystem for household businesses, Merchant App, OneQR, VCB Tablet, and connection with the Tax authorities continues to help Vietcombank expand its customer base, increasing the number of household businesses by 145% compared to 2025.
Another milestone is that Vietcombank has become the first bank in Vietnam to deploy cross-border QR payments in more than 60 countries and territories through Alipay+. This solution expands the cashless payment experience for Vietnamese customers when traveling abroad, while contributing to promoting tourism, trade, and international business connections.
A solid financial foundation continues to be a prominent competitive advantage for Vietcombank. The non-performing loan ratio is controlled below 1%, and the capital adequacy ratio (CAR) reaches 11.14%. Notably, from March 2026, Vietcombank will become one of the first banks to apply the Basel III standard approach in risk management, approaching the governance standards of international banks.
Following the milestone of being the only bank in Vietnam to be rated at the national credit ceiling by all three leading global credit rating agencies in 2025, Moody's further upgraded Vietcombank's credit outlook from "Stable" to "Positive," paving the way for expanded cooperation and access to international capital.
Accelerating Digital Transformation, Strengthening the Foundation for Long-Term Development
Besides positive business results, the first half of 2026 marked a new turning point in Vietcombank's development strategy as digital transformation continued to be intensified in depth with the consolidation of the Information Technology and Digital Transformation Division and the Data Division; the simultaneous deployment of AI solutions, process automation (RPA), the D-One platform, and the End-to-End model... to improve labor productivity and optimize operations. The digital ecosystem currently connects more than 1,700 partners, gradually forming a competitive advantage based on technology and data.
These innovation efforts continue to be recognized in international rankings. Vietcombank maintains its position as the bank with the largest brand value in Vietnam, and is the only Vietnamese bank in the Top 10 strongest banking brands in the world according to Brand Finance; Vietcombank rose to position 890 in the Forbes Global 2000 ranking and was honored with numerous international awards for digital banking, technology, and wholesale banking.
Speaking at the conference, Mr. Nguyen Thanh Tung, Member of the 16th National Assembly, Secretary of the Party Committee, and Chairman of the Board of Directors of Vietcombank, requested the entire system to continue to promote the leadership role of Party committees at all levels, maintain discipline, innovation, and a sense of responsibility; proactively adapt to market developments, and improve the quality of growth and operational efficiency.
In that spirit, Vietcombank identified key tasks for the last six months of the year as continuing to prioritize capital for production and business, national key projects, green transformation, and digital transformation; while simultaneously promoting the application of science and technology, perfecting the governance model, and enhancing competitiveness.
The first six months of 2026 not only marked positive business results but also opened up new development opportunities for Vietcombank. With a solid financial foundation, management capabilities increasingly approaching international standards, and a development strategy aligned with the country's major goals, Vietcombank continues to affirm its role as a leading bank, ready to accompany businesses, people, and the economy on its journey towards rapid and sustainable development.
N.Nga
Source: VITIC/Bao Tai chinh – Dau tu