In the context of deposit interest rates remaining attractive, many large enterprises are owning a huge amount of cash deposited in banks or invested in bonds, recording a sharp increase in financial revenue, thereby contributing to improving business results.
At FPT Joint Stock Company (code FPT), the financial report for the third quarter of 2025 said that revenue reached more than VND 17,205 billion, up 8% over the same period last year; net profit was nearly VND 2,435 billion, up 17% over the third quarter of 2024. Accumulated for the first 9 months, FPT recorded VND 49,887 billion in revenue (up 10%) and VND 6,867 billion in net interest (up 19%), completing 66% and 71%, respectively, of the annual plan.
Notably, the financial sector contributed significantly, with revenue of more than VND 613 billion in the third quarter, up 88% over the same period. Accumulated for 9 months, financial revenue reached nearly VND 2,424 billion (up 79%), of which deposit interest alone accounted for VND 1,235 billion, equivalent to more than 51% of total financial revenue. On average, FPT earns more than VND4.5 billion in interest per day.
By the end of September, FPT was depositing about VND37,000 billion in the bank (equivalent to about USD1.4 billion), an increase of nearly VND5,900 billion compared to the beginning of the year, the highest level in the history of operations.
On the other hand, the company has a total outstanding loan balance of nearly VND 19,600 billion, of which short-term loans are more than VND 16,900 billion; 9-month interest cost is nearly VND 603 billion, meaning FPT pays more than VND 2.2 billion in interest per day on average.
Similarly, Duc Giang Chemical Group Joint Stock Company (DGC) recorded revenue of more than VND 2,816 billion in the third quarter of 2025, up 10% over the same period. Net profit reached VND752 billion, up more than 6%. Accumulated for the first 9 months, net revenue reached VND 8,521 billion (up 14%), net profit was VND 2,403 billion (up 7%).
Notably, as of September 30, DGC held VND13,100 billion in cash and deposits, accounting for 67% of total assets. This amount of money brought enterprises VND 447 billion in interest in 9 months, equivalent to an average of VND 1.6 billion/day. DGC's total assets reached more than VND 19,400 billion, up 23% over the beginning of the year; inventory increased by 90% to VND 1,870 billion.
Mobile World Investment Joint Stock Company (MWG) had a breakthrough in the third quarter of 2025 with revenue exceeding VND40,000 billion (up 17%); net profit of VND1,770 billion (up 121%), the highest level ever. Accumulated for 9 months, MWG earned VND4,964 billion (up 73%), exceeding the whole year plan.
In parallel with retail activities, MWG earns a large amount of money from finance. In the third quarter, financial revenue reached VND 809 billion (up 41%). Accumulated for the first 9 months, financial revenue was over VND 2,271 billion (up 30%), mainly from deposit - investment interest VND 1,475 billion) and bond interest VND (648 billion). As of September 30, MWG owns nearly VND39,000 billion in cash, equivalent to short-term financial investment and money, the highest in history; of which more than VND25,300 billion is deposited in banks and more than VND13,100 billion is invested in bonds.
Vietnam Gas - PV GAS Corporation (GAS) is also in the group of enterprises with large sums of cash. At the end of the third quarter, GAS held nearly VND44,100 billion, an increase of VND11,200 billion compared to the beginning of the year, most of which were deposited in banks for profit. Accumulated for 9 months, GAS collected VND946 billion in interest from deposits and loans.
Hoa Phat Group (HPG) as of the end of the third quarter had nearly VND 27,900 billion in cash and short-term deposits, an increase of VND 2,200 billion compared to the beginning of the year. This item helped bring in VND 445 billion in interest in the third quarter, up 75% over the same period. However, the financial cost in the third quarter reached nearly 1,073 billion VND, the interest cost alone was 812 billion VND (up 55%); the total outstanding loan reached nearly 96,700 billion VND, up 13,900 billion VND compared to the beginning of the year.
Vinamilk (VNM) recorded cash, cash equivalent and short-term investment of nearly VND 26,200 billion at the end of September 2025, accounting for 47% of total assets. In the first 9 months, VNM earned more than 1,032 billion VND in interest, equivalent to more than 3.8 billion VND/day.
Sabeco (SAB) holds VND 20,027 billion in cash, equivalent to cash and deposits, accounting for 64% of total assets; bringing VND 741 billion in interest in 9 months, an average of more than VND 2.7 billion/day. Accumulated for the first 9 months, net revenue reached VND 19,052 billion (down 17%); profit after tax was almost flat, reaching VND 3,361 billion.
Vietnam Petroleum Technical Services Corporation (PVS) also owns a large source of money. At the end of the third quarter of 2025, total assets reached more than VND 28,700 billion, of which nearly VND 16,800 billion was in cash and deposits (accounting for nearly 60%). Thanks to that, PVS earned VND 274 billion in interest in 9 months (up 55%); at the same time recorded revenue of more than VND 23,000 billion (up 63%) and after-tax profit of VND 949 billion (up 34%), exceeding the target for the whole year.
Vietnam forces and Agricultural Machinery Corporation - VEAM (VEA) holds more than VND 19,500 billion in cash and deposits, of which deposits account for VND 19,000 billion, an increase of about VND 6,000 billion compared to the beginning of the year. Thanks to that, in 9 months, VEAM earned more than VND 665 billion in interest, equivalent to nearly VND 2.5 billion/day.
Maintaining large amounts of cash and depositing in banks helps many businesses improve revenue sources and consolidate cash flow, especially in the context of business operations still facing many fluctuations. idle cash flow is becoming an important resource to help "big guys" maintain resilience and optimize profits in the short term.
