Consolidating senior personnel for term IX (2026 – 2031): Foundation for a new growth strategy
In the past term, despite facing a challenging business environment, the Board of Directors of Nam A Bank remained steadfast in its strategic goals, proactively and flexibly adjusting according to appropriate scenarios, gradually leading the Bank to overcome challenges and develop strongly. The Board of Directors excellently completed its task, officially bringing the Bank into the group of 15 largest banks in the system, enhancing its position in the country and international market.
This year's Congress consolidates the leadership apparatus for the new term (2026 – 2031), creating an important foundation for Nam A Bank to implement development strategies in the new period.
Accordingly, shareholders highly agreed to approve the list of 07 members of the Board of Directors (BOD), including 02 independent members to optimize transparency and risk management according to international standards.
Members of the Board of Directors of Nam A Bank for the new term include: Mr. Tran Ngo Phuc Vu, Mr. Tran Ngoc Tam, Ms. Vo Thi Tuyet Nga, Mr. Tran Khai Hoan, Mr. Nguyen Duc Minh Tri, Ms. Ngo Thi Hong Van and Mr. Pham Cong Tuan Ha.
At the same time, the Congress also unanimously approved 4 members of the Supervisory Board. The combination of management experience, operating capacity and strategic vision of the leadership team is expected to create an important motivation for Nam A Bank to realize its sustainable growth goals in the next 5 years.
Setting strong growth targets in 2026
Based on the positive results of the previous term, in 2026, Nam A Bank set high growth targets compared to the performance of 2025. Specifically, the bank expects consolidated pre-tax profit to reach 6,200 billion VND, an increase of 18% compared to 2025.
Total assets are expected to be at VND 480,000 billion, an increase of 15%; outstanding loans to individual customers and economic organizations are at VND 240,000 billion, an increase of 21% (this target depends on the credit limit of the State Bank). Mobilizing capital from individuals, economic organizations and valuable papers is at VND 280,000 billion, an increase of 33% compared to the previous year. The bad debt ratio does not exceed 2.5%.
To implement the 2026 business plan, Nam A Bank will focus on solutions such as: Strictly controlling credit quality, strengthening bad debt handling; Implementing the "Speed - Difference - Data" business strategy, developing business based on behavioral data and market capacity;...
Increase charter capital to over 22,500 billion VND, pay dividends at a rate of 20%
One of the key contents that received shareholders' consensus is the plan to increase charter capital by more than 5,431 billion VND. This plan will be implemented in the second and third quarters of 2026 through three forms: issuing shares to increase share capital from equity, issuing shares under the Employee Choice Program (ESOP) and private offering shares to professional investors.
In which, regarding the plan to issue shares to increase share capital from equity, the bank plans to issue an additional 343.1 million shares, equivalent to a ratio of 20%, helping charter capital increase by more than 3,431 billion VND.
Regarding the ESOP plan, Nam A Bank is expected to issue 100 million shares, helping charter capital increase by VND 1,000 billion.
Regarding the option of private placement offerings, the Bank plans to offer 100 million shares, to strengthen financial capacity and supplement capital for Nam A Bank's business operations. The expected value of shares offered for sale (at par value) is 1,000 billion VND.
When the issuances are completed, Nam A Bank's charter capital will increase from 17,157 billion VND to more than 22,588 billion VND. This additional capital source not only helps the bank strengthen its financial capacity, ensure safety indicators according to international standards, but also creates abundant resources to invest in technology, expand its branch network and build modern facilities.
In addition, the congress also approved the listing of bonds (including bonds for level II capital increase) issued to the public in 2026 of Nam A Bank on the securities trading system after the end of the offerings, in accordance with the provisions of the Securities Law and relevant legal documents.
Establish a member bank with 100% domestic capital, operating within the framework of VIFC
Shareholders have also approved the policy of expanding operations through the establishment or acquisition of subsidiaries and affiliates in potential fields such as securities, insurance, financial leasing and fund management... At the same time, continue to approve the policy of developing the network to the international market through the establishment of branches or representative offices. The Bank will establish a 100% domestic-owned member bank, operating within the framework of VIFC to implement a long-term development strategy and expand international financial activities.
Along with that, Nam A Bank will continue to expand cooperative relations with financial partners and international organizations to improve management capacity, access high-quality capital sources and gradually integrate deeply into the global financial value chain. This step not only helps elevate the Nam A Bank brand on the regional financial map but also plays an important bridge to attract international investment capital to Vietnam.
In parallel, Nam A Bank promotes two strategic pillars, digital transformation and green development, through technology investment, completing the digital ecosystem and expanding credit for sustainable and environmentally friendly projects.
Many impressive results in term VIII, creating a premise for strong development
To implement an effective business strategy, complete the targets approved by the 2026 Annual General Meeting of Shareholders and soon realize the goals in the new term, Nam A Bank has created important stepping stones.
Accordingly, in the past term, the scale of total assets strongly increased from over VND 134,000 billion (early term) to VND 418,333 billion by the end of 2025, an increase of 311%, officially putting Nam A Bank into the group of 15 largest banks in the system. Total deposits from customers reached over VND 211,000 billion, an increase of 201%; Outstanding loans reached over VND 198,000 billion, an increase of 222%; Consolidated pre-tax profit reached VND 5,254 billion, an increase of 522% (growth data for 2025 compared to 2020).
These growth results are also recorded by international organizations. Recently, Moody's officially adjusted Nam A Bank's outlook from "Stable" to "Proactive"; Fitch Ratings maintained Nam A Bank's Long-Term Issuer Default Rating (IDR) at "B+". These records reflect a clear improvement in asset quality, risk management capacity as well as the bank's financial platform. Nam A Bank also affirmed its pioneering role when participating as a Strategic Investor at the Vietnam International Finance Center in Ho Chi Minh City, demonstrating Nam A Bank's prestige and financial potential in leading capital flows and promoting national economic development.
The General Meeting ended with high consensus, reflecting shareholders' belief in Nam A Bank's development roadmap in the new term (2026 – 2031). With breakthrough policies and increasingly solid positions in the financial arena, Nam A Bank is confidently entering the new term with the mindset of a dynamic, innovative and creative bank.
