Bac A Bank continues to offer bonds to the public, diversifying investment choices

The Vietnamese corporate bond market at the end of 2026 recorded many positive signals thanks to the increasingly complete legal framework, and the large-scale development of the commercial bank bond group and the proactive debt restructuring of businesses have helped maintain stability and liquidity for the entire system.

With attractive interest rates and increased transparency, this continues to be an effective and safe cash flow distribution channel for investors in the medium and long term.

To meet the needs of investors, in September, Bac A Bank continues to issue more than 15 million bonds to the public with a face value of 100,000 VND/bond, with a term of 07 years. Interest will be paid periodically once every 01 year from the issuance date. Bond interest rates are determined on the basis of the Reference Interest rate plus margin, in which the margin is up to 2.3%/year in the first 05 years and 3.1%/year from the 06th year.

The reference interest rate is determined to be equivalent to the interest rate of 12-month term savings deposits according to Bac A Bank's regulations at each time of interest rate determination. The interest rate determination mechanism according to the Reference interest rate plus margin helps investors have a basis to monitor and be more proactive in evaluating cash flow from investments throughout the bond holding period.

The time to receive registration to buy and receive money to buy bonds starts from September 21, 2026 to October 12, 2026 at Bac A Bank Head Office and Branch/Transaction Office system nationwide. Domestic and foreign investors can easily register to buy Bac A Bank bonds when the minimum number of registrations to buy is only from 500 bonds or a multiple of 500 bonds for individuals; at least 1,000 bonds or a multiple of 1,000 bonds for organizations and businesses.

After the offering ends, Bac A Bank bonds will be registered and centrally deposited at Vietnam Depository and Clearing Corporation (VSDC) and are expected to be listed on the Hanoi Stock Exchange (HNX). Registering, depositing and listing bonds on the stock market creates conditions for investors to be more proactive in managing and trading according to regulations.

In addition, bonds can be used as collateral to borrow capital from credit institutions according to policies and conditions applied at each period. This is one of the options to help investors be more proactive in capital sources when financial needs arise during the bond holding period.

In fact, through previous bond issuances, Bac A Bank has fully exercised its rights and obligations to investors, ensuring to maintain credibility as a safe, effective and profitable investment channel.

With the increase in level 2 capital thanks to public issuance of bonds, Bac A Bank continues to increase the scale of operations, ensuring operating safety ratios. As of the end of June 30, 2026, Bac A Bank's total assets reached 214 trillion VND, customer deposit mobilization reached 120 trillion VND and total credit level reached more than 134 trillion VND.

The network of 194 branches and transaction offices nationwide creates a foundation for the Bank to continue to expand its customer service capacity and deploy business activities according to the set direction.

2025 marks an important step forward when Bac A Bank was first internationally rated by Fitch Ratings at "B+", with a stable outlook.

Businesses with good credit ratings often have a solid financial structure, effective risk management strategies and flexible response capabilities to market fluctuations. This helps minimize the risk of capital insecurity, creating peace of mind for investors when holding corporate bonds.

In 2026, Bac A Bank continues to be honored in the Top 10 Typical ASEAN Businesses 2026, showing the consistency of Bac A Bank in its long-term development orientation, and also recognizing the Bank's efforts in consolidating financial capacity, management and operational quality.