When shareholders look in one direction
Looking back over the years, Eximbank has faced many turbulent and challenging. The congresses many times made shareholders and investors worried when important decisions were frequently involved, the consensus was hardly achieved.
But recently, the situation has changed markedly. At the extraordinary meeting in February 2025, the issues of the Board of Directors submitted to the Congress all received high consensus. For example, nearly 92% of Eximbank shareholders approve the revision of the banking charter; Over 97% of votes agree for the election of members of the Supervisory Board.
Earlier in November 2024, Eximbank also successfully held an unusual meeting. Shareholders agreed through strategic important issues such as moving the headquarters to the North to expand the market.
The positive signals from Eximbank showed signs of internal consensus, strong support for the decisions of the bank leaders. This demonstrates a profound change process, not only accepting the decisions made, but also shows that shareholders believe in the long -term vision of the bank leader.
The innovations in management thinking and business strategy have brought a clear results over the past time, helping the bank strengthen its position in the market.
In 2024, Eximbank recorded a strong growth results, achieved and exceeded the set plan, profit before tax 4,188 billion dong, an increase of 54% compared to 2023, the highest level in the past 35 years.
Total assets completed 107% of the year plan; mobilizing capital to complete 102% of the year plan; Credit balance completed 104% of the year plan, credit growth at Eximbank until the end of 2024 increased by 19.7% compared to the beginning of the year (equivalent to VND 27,706 billion), this is the highest growth in the past 5 years; Service activities such as international payment, insurance, cards, remittances have growth compared to 2023; The average CASA size grew 24.8% compared to 2023.
In 2024, Eximbank was approved by the State Bank to increase charter capital to VND 18,688 billion. This is an important step, helping Eximbank strengthen the financial capacity, expand operational scale and improve the ability to meet capital safety standards according to international practices.
The new chapter of Eximbank
Eximbank will organize annual shareholderies on April 29, 2025. One of the important contents is to elect the Board of Directors & Supervisory Board for the new term (2025-2030) and the 2025 business plan.
With the beginning of the new Board of Directors, this annual congress is considered an important turning point in Eximbank's journey of relativity. In 2025, it was not only a hinge year but also the year to open new opportunities, bringing Eximbank towards a future sustainable, quality and more effective development. The important decisions at this congress will be the premise for building a strong Eximbank, ready to face future challenges and opportunities.
According to the document of the General Meeting of Shareholders, Eximbank aims to the consolidated profit before tax of VND 5,188 billion, an increase of VND 1,000 billion, equivalent to an increase of 23.8% compared to 2024. Along with that, the total assets reached VND 265,500 billion, up 10.8%; Capital mobilization reached VND 206,000 billion, up 15.5%; credit balance reached VND 195,500 billion, up 16.2%; NPL ratio/credit balance decreased by 0.54% to 1.99%.
On December 31, 2024, Eximbank's asset structure is concentrated mainly in the South with 192,669 billion dong. Meanwhile, the North reached 35,328 billion dong, the Central region was 18,108 billion dong. Corresponding to profit before tax in the Southern market reached the highest with VND 3,320 billion, the Central region reached VND 256 billion while the North was VND 611 million. Therefore, the decision to move to Hanoi's Hanoi headquarters is expected to help the bank expand the large customer file in the North and the Central. This is the place where large enterprises of the State, FDI enterprises and import -export enterprises - which are the priority segment of Eximbank.
The good exploitation of these two potential markets will help the bank to enter a new chapter.
In 2025, it was opened with many instability when the US Federal Reserve (Fed) maintained a prudent monetary policy and especially the US has just announced the imposed tax on Vietnamese goods up to 46%. As one of the leading banks of foreign exchange trading in Vietnam, Eximbank has had quick reactions, committed to accompanying Vietnamese businesses, FDI enterprises "overcome the global economic wave" with special incentive programs in international payment.
With strong investment in technology, building a comprehensive digital banking ecosystem, Eximbank approaches a new group of customers, soon reaching 3 million customers (currently reaching nearly 2.2 million customers). In particular, applying technology to bank operations and corporate governance, helping to reduce costs, improve the operational efficiency of the bank.
Eximbank's leader said that it would follow the market movements, taking advantage of opportunities to grow medium and long -term capital to ensure the needs of business development. At the same time, there are solutions to grow scale and improve operational efficiency towards sustainability - safety - efficiency. In particular, the Bank improves NIM through promoting the retail banking segment, SME, enhancing the exploitation of large corporate customers and FDI, increasing demand capital (CASA), low -cost capital from economic and population organizations.
