On January 9, Vietcombank organized a conference to summarize Party work and business activities in 2025, and deploy tasks for 2026.
According to information at the conference, 2025 closes the development strategy for the 2021-2025 period in the context that the banking operating environment faces a rare high level of uncertainty.
Fluctuations from global trade policy, prolonged geopolitical conflicts, inflationary pressure... have put the financial system before the requirement of both maintaining growth and ensuring safety.
In that context, Vietcombank's business results show a consistent strategic choice: Growth goes hand in hand with discipline and risk control.
As of December 31, 2025, Vietcombank's total assets reached 2.48 million billion VND, an increase of nearly 20% compared to the end of 2024. Credit balance for the economy reached about 1.66 million billion VND, an increase of more than 15%.
On the mobilization side, market capital source 1 reached 1.68 million billion VND, an increase of more than 10% compared to the end of last year, ensuring balance of resources - using capital safely. On that basis, pre-tax profit reached the plan, ROA and ROE earnings ratios were in the leading group, while the bad debt ratio was controlled below 1%.
These figures show that Vietcombank does not pursue growth at all costs. Instead, the bank maintains a stable growth rate, focusing on asset quality and capital efficiency - core factors that ensure sustainability in volatile economic cycles.
Vietcombank continues to play a key role in implementing monetary policy and supporting the economy. In 2025, the bank implemented 28 preferential lending interest rate programs and policies at a rate 0.5 - 2% lower than the general level; and promptly reduced interest rates by up to 2% for customers affected by natural disasters and storms.
As a result, nearly 39,000 customers accessed preferential capital, with outstanding loans of about 810,000 billion VND, accounting for nearly 49% of Vietcombank's total outstanding loans.
The total value of preferential loan interest is nearly 7,000 billion VND, reflecting a substantive sharing with businesses and people, and also showing the role of the bank as a "bracemaker" in the economy.
Vietcombank continues to be one of the largest contributors to the state budget, reaching nearly 15,000 billion VND in 2025.
