AsemconnectVietnam - This information was shared by BVBank's leadership (stock code: BVB) at the Webinar "BVBank before HOSE: A New Growth Story" held on the afternoon of July 16, 2026.

Mr. Nguyen Hoang Son - Deputy General Director of BVBank, said that at the end of the first six months of 2026, BVBank's pre-tax profit reached VND500 billion, achieving about 70% of the set plan.
In the first six months of 2026, the bank's outstanding loan balance reached approximately VND85,000 billion, an increase of 8.3% compared to the beginning of the year; of which more than 95% of the outstanding loan balance was concentrated in the individual customer segment and SMEs. Capital mobilization reached approximately VND93,000 billion, an increase of 8.9% compared to the beginning of the year.
Profits for the first six months showed positive growth due to a 14.9% increase in total operating income, outpacing the 11.3% increase in expenses. This resulted in a reduction in the cost-to-income ratio (CIR) from 59% at the end of 2025 to 51%.
Return on equity (ROE) also reached 10%, an increase of nearly 4% compared to the end of the previous year. The net interest margin (NIM) remained stable at 2.6%. Thanks to these results, BVBank's management board has raised its full-year profit target to VND1,000 billion.
Previously, at the 2026 Annual General Meeting, BVBank set a target for pre-tax profit in 2026 of VND700 billion, a 34% increase. Total assets are expected to increase by 16% to VND155,000 billion, and customer deposits by 14% to VND111,686 billion. Outstanding credit balances increased by 18% to VND92,552 billion.
The non-performing loan (NPL) ratio, calculated according to Circular 31, is controlled by BVBank at 2.13% by the end of 2025, much lower than the 3% ceiling set by the regulatory authority. The rate of NPL recovery is increasing faster than the rate of NPL generation. BVBank is also gradually upgrading its risk management standards from Basel II to IFRS 9 and moving towards Basel III.
BVBank's capital adequacy ratio (CAR) is projected to reach 13.3% in 2025, with nearly 75% of its capital structure coming from customer deposits. According to Mr. Son, BVBank's strategic direction is clearly reflected in its loan portfolio structure, with 95% focused on individual customers, SMEs, micro-SMEs, and household businesses. Only 5% of the remaining loans belong to large enterprises.
Recently, on July 9, 2026, the State Bank of Vietnam approved BVBank's plan to increase its charter capital by VND3,500 billion through a 2:1 rights issue for existing shareholders and the issuance of ESOPs, raising the total charter capital to nearly VND10,000 billion.
Along with the capital increase plan, BVBank is also preparing to list its shares on the Ho Chi Minh City Stock Exchange (HOSE) on July 21, 2026, with a reference price of VND13,100 per share. Previously, HOSE approved the listing of nearly 641 million BVB shares.
At the close of the last trading session on UPCoM on July 8, BVB closed at VND13,300 per share.
Regarding its shareholder structure, BVBank currently has over 18,000 shareholders, of which domestic shareholders account for 99.96%. The Board of Directors and the Executive Board currently hold 11% of the shares. The foreign ownership limit at BVBank is capped at 5%, creating significant room to proactively attract foreign investors in the future.
Source: VITIC/Bao Tai chinh – Dau tu