Bac A Bank issues bonds - attracting customers to safely accumulate and generate optimal profits

From June 08, 2026, Bac A Commercial Joint Stock Bank (Bac A Bank) officially offers to sell 15 million bonds issued to the public for the 2nd - 4th Installment with a total offering value of 1,500 billion VND.

In recent years, due to the impact of the global economic and political situation, the financial market has experienced many strong fluctuations. For investors who focus on stability, corporate bonds are always an indispensable choice in their portfolios, like a shock absorber for long-term financial plans.

To meet that practical need, Bac A Bank continues to issue bonds with interest rates higher than the normal personal deposit interest rate for a 12-month term with a maximum margin of up to 3.1%/year. The time to receive registrations to buy and receive money to buy bonds starts from June 08 to June 29 of 2026 at the head office and branch/transaction office system of BAC A BANK nationwide. Domestic and foreign investors can easily register to buy BAC A BANK bonds with a face value of 100,000 VND/bond with a minimum registration quantity of 500 bonds or a multiple of 500 bonds for individuals; a minimum of 1,000 bonds or a multiple of 1,000 bonds for organizations.

The outstanding attraction of Bac A Bank bonds lies in the attractive and flexible interest rate with an additional margin of up to 3.1%/year, interest payment period of 12 months/time; term of 07 years. The expected time to buy back bonds has 2 options: 18 months and 24 months from the issuance date, corresponding to each bond symbol. At the same time, in order to be transparent and strengthen trust with customers, Bac A Bank publicly announces information about the exercise of the right to buy back before maturity and interest payment on the official electronic information page of Bac A Commercial Joint Stock Bank and Vietnam Securities Depository and Clearance Corporation (VSDC). The announced time is at least 18 working days before the exercise of the right to buy back/interest payment day.

In addition, Bac A Bank Bonds are easily pawned if unexpected capital needs arise as well as convenient transactions (after being listed on the HNX and bond depositors at VSDC).

“One of the factors that greatly influences investors' decisions is the reputation of the bond issuing unit. Currently, corporate bonds have been strictly managed under the supervision of management agencies with a complete legal framework and transparency tools. In fact, through previous issuances, Bac A Bank bonds have always been trusted and chosen by investors because they both optimize profits and are safe and stable,” shared a representative of Bac A Commercial Joint Stock Bank.

In 2025, for the first time, Bac A Bank was announced by Fitch Ratings - one of the three leading credit rating agencies in the world - with an international credit rating for the Bank at "B+", stable outlook; Self-efficiency rating at "b" and Government Support rating at "b+". This is an important milestone for Bac A Bank, demonstrating recognition of the Bank's financial capacity, risk management capacity and sustainable development potential according to international standards.

With more than 30 years of experience focusing on orienting lending to areas encouraged by the government, with low risks such as high-tech agriculture, clean food, clean pharmaceuticals, healthcare and education, Bac A Bank has connected a sustainable customer system; consolidated its financial foundation towards stability. We always accompany throughout the credit granting process for large customers in this field, so we have a comprehensive understanding of business operations as well as closely monitor customer cash flow" - Mr. Chu Nguyen Binh, Deputy General Director of Bac A Commercial Joint Stock Bank, said.

Looking back at the business results in 2025, Bac A Bank has proactively managed flexibly, optimized business operations, promoted strengths in the field of investment consulting and strengthened risk management and operational safety solutions to complete most of the assigned targets. Such as: total assets reached VND 195,936 billion, an increase of 18.3% compared to 2024; charter capital was VND 10,032 billion, an increase of 12.0%; Customer capital mobilization reached VND 134,091 billion, an increase of 5.1%; Total credit granted reached VND 128,026 billion, an increase of 14.1%; Revenue from service and guarantee activities reached VND 283 billion, an increase of 70.1%; Pre-tax profit reached VND 1,468 billion, an increase of 17.9%, completing 113.0% of the plan. The bad debt ratio of 1.15% reached the set plan. Full compliance with safety indicators according to the State Bank's regulations such as the CAR ratio, liquidity reserve ratio, loan/total deposit ratio, short-term capital ratio for medium and long-term loans is a key factor for the Bank to be proactive in the face of market fluctuations, helping Bac A Bank maintain its growth momentum.