According to the Human Resources and Recruitment Trends Report of the Vietnam Banking Industry by the Institute of Banking Science - Banking Academy, data from 28 commercial banks shows that in the period 2020-2025, total assets increased moderately by 117% while personnel scale increased by 11%; average assets per employee increased by about 98%.
The above data shows that the asset growth rate is about 11 times higher than the personnel growth rate. For example, Military Commercial Joint Stock Bank (MBBank) increased assets by about 225%, personnel increased by about 30%, belonging to the group with the strongest asset growth.
In the period 2020-2025, the labor scale at commercial banks has increased by about 13%, from 282 to 318 thousand workers, but the focus of management has shifted more clearly from expanding the number to improving productivity, quality of skills and organizational efficiency.
According to the research group of the Institute of Banking Science Research, in the first quarter of 2026, the labor picture has differentiated: Sacombank reduced more than 2,700 people due to restructuring, while VPBank, Techcombank and HDBank continued to expand.
Behind the telling numbers, the banking industry is witnessing a major shift.
Firstly, the recruitment structure is changing. The proportion of intermediate-level job postings decreased from 92% to 56% in 4 years; senior-level increased from 3% to 30%. Instead of needing many professional staff, banks turn to experts.
Second, the market is paying a high price for specialized technology capabilities. At the management level, a data analysis or AI position receives an announced salary nearly 2 times higher than a traditional credit nghiệp vụ position at the same level.
Thirdly, the most notable thing is that AI application is going faster than AI management capacity. Most banks have integrated AI in operation, but only 5/20 banks have evidence of model management framework - policies, specialized units, and inspection processes.
The biggest challenge is no longer to bring AI into banks, but to build a team capable of using, controlling and taking responsibility for AI.
According to Assoc. Prof. Dr. Tran Viet Dung - Director of the Banking Research Institute, Head of the Research Group of the Banking Academy, these changes do not mean that the role of humans is narrowing, but show that the requirements for human resources are becoming higher and more diverse.
Credit and risk management still accounted for 58.3% of the 3,005 recruitment news surveyed; at the same time, demand for technology, data, network security and AI increased rapidly at some pioneering banks.
According to Mr. Dung, the salary level of the technology and data group is significantly higher than many professional positions, reflecting the increasing competition for teams capable of connecting banking knowledge with data and technology.
