Decoding growth momentum
After more than 30 years of formation and development, Co-opBank has established a substantial internal foundation. By the end of 2025, the total operating capital of the bank reached 68. 371 billion VND, an increase of more than 39% compared to the beginning of the previous term. The biggest bright spot lies in risk management when the on-balance sheet bad debt ratio is strictly controlled at 0.34%, a sharp decrease compared to 1.14% in 2021. These figures are not only business achievements but also proof of self-effort in healthy balancing.
In particular, the application of Law No. 68/2025/QH15 is the "key" for banks to remove the bottleneck of charter capital, creating momentum for a new development stage. Mr. Nguyen Quoc Cuong - Chairman of the Board of Directors of Co-opBank emphasized: "This Congress is a turning point when the entire system officially enters a new development stage on the basis of firmly inheriting core values after more than 30 years of development".
Digital transformation is the "backbone" of development strategy
In the direction for the 2026 - 2031 term, Co-opBank determines that digital transformation is no longer an option but a vital requirement to adapt to modern financial trends. The strategic goal is to build a widespread cashless payment ecosystem in rural, rural, remote and isolated areas. Tools such as the Payment Hub payment integration axis, the CF-eBank electronic banking system and the application of AI in population data analysis will be key "weapons" for the unit to perform its leading role.
Standing Deputy Governor of the State Bank of Vietnam Doan Thai Son affirmed: "Narrowing the technological gap between urban and rural areas through the QTDND network is an important requirement in the current period.
Co-opBank not only modernizes itself but also has the task of supporting infrastructure, providing digital banking services to member funds, helping people in rural areas access modern financial services, contributing to the implementation of the National Comprehensive Financial Strategy.
In fact, the bank has made impressive warm-up steps when the CF-eBank system has connected to more than 1,000 QTDNDs, raising the total number of transaction points throughout the network to 1,110 points. Transferred money turnover reached more than 833 trillion VND and incoming turnover reached more than 827 trillion VND in 2025, showing the strong spread of digital solutions in the member community.
Orders" on governance and system discipline
Deputy Governor Doan Thai Son noted: "The tasks of the Banking industry in general and Co-opBank in particular in the period 2026 - 2031 are extremely heavy, requiring to highly promote bravery, intelligence and sense of responsibility; continue to strongly innovate thinking, awareness and action".
The 5-year roadmap requires Co-opBank to raise its leading role in the Project to restructure the entire QTDND system associated with bad debt handling. Remote inspection and supervision and assignment of direct management staff to support weak units will be implemented more drastically. By the end of 2025, the bank has sent 61 capable staff to be assigned to many key areas such as Dong Nai, Ho Chi Minh City, and Nam Dinh to strengthen management for funds facing difficulties.
Promoting professional ethics and tightening internal audits are prerequisites to prevent violations. The separation between the "Business - Policy - Risk Management" areas according to the modern banking model will continue to be strengthened to ensure maximum transparency.
Commitment to accompanying and breaking through financial capacity
Mr. Nguyen Quoc Cuong said that the directions of the State Bank are the "guideline, the key directions for Co-opBank to continue to move forward with a new mindset". The immediate focus is to complete the plan to supplement 5,000 billion VND of charter capital from state support sources to improve internal financial capacity.
With the goal of increasing total assets by an average of 10% - 15%/year associated with credit quality, Co-opBank aims to affirm its position as a modern leading bank. The bank will continue to perform well its role of linking to ensure safety, maintaining the Safety Fund reaching VND 1,018 billion to be ready to support liquidity for member funds when necessary.
The road ahead is still challenging, but with a solid legal foundation and determination to innovate technology, Co-opBank is ready to make positive contributions to the sustainable development of the banking industry.
