VietinBank's 2026 Annual General Meeting of Shareholders (AGM) approved many important contents, creating a foundation for a new growth phase towards sustainability, modernity and integration.
Results 2025: Comprehensive growth, solid foundation
2025 marks a breakthrough year for VietinBank when comprehensively completing the goals assigned by the General Meeting of Shareholders and the State Bank. In the context of a still challenging market, the bank has synchronously implemented business solutions, promoted credit growth associated with risk control, and strongly transformed the growth model towards digitization and improving operational efficiency.
Key financial indicators recorded impressive growth. Consolidated total assets reached nearly 2.77 million billion VND, up 16% compared to 2024; outstanding loans reached over 1.99 million billion VND, up 15.6%, focusing on production - business and priority industries. Notably, the proportion of retail credit and small and medium-sized enterprises (SMEs) accounted for 63% of total outstanding loans, showing a positive structural shift.
Mobilized capital reached nearly VND 1.97 million billion, up 11.9%. Of which, demand deposits (CASA) reached more than VND 458. 000 billion, putting VietinBank in the top 3 leading banks in terms of scale and CASA growth rate in Vietnam. Safety indicators such as LDR and liquidity continue to be ensured according to regulations.
Asset quality is well controlled when the bad debt ratio is maintained at 1%, lower than the previous year and below the planned threshold of 1.8%. The bad debt coverage rate reached 158.8%, belonging to the high group in the system. Total operating income reached 87.3 trillion VND, up 6.6%; ROA reached 1.69% and ROE reached 21.25%, showing a clear improvement in capital use efficiency.
Profit continued to be a bright spot when consolidated pre-tax profit reached 43.4 trillion VND, an increase of 36.8% compared to 2024, belonging to the leading group in the whole industry. Separate profit reached 41.1 trillion VND, completing 127% of the set plan.
In parallel with growth, VietinBank is actively improving its financial capacity. By the end of 2025, charter capital reached VND 77,670 billion, an increase of 62% compared to before the restructuring project was implemented. Capital adequacy ratio (CAR) reached 10%, contributing to consolidating the foundation for long-term development.
Digital transformation and customer experience are pillars
2025 also marks a strong step forward in VietinBank's digital transformation with nearly 100 initiatives being implemented. The transaction rate through digital channels exceeds 99%, the online disbursement rate reaches over 90%. In particular, the bank has established the Data and Artificial Intelligence (AI) Division, putting into operation more than 50 AI and Machine Learning applications in business operations.
In addition, VietinBank promotes organizational restructuring towards streamlining and modernization; and at the same time transforms from service quality management to customer experience (CX) management. The roadmap of 14 solutions to improve CX capacity in the period 2025-2027 is implemented with 3 main pillars: management capacity, technology and action for customers.
2026 orientation: International expansion, sustainable growth
Stepping into 2026, VietinBank determines to continue to operate flexibly, closely follow the direction of the Government and the State Bank, and at the same time take advantage of opportunities from digital finance and green finance.
The bank plans to establish 5 more representative offices abroad to expand operations and strengthen connections with FDI enterprises, investment funds and international financial institutions. This is considered a strategic step in the context of strong global capital flows.
Regarding the business plan, VietinBank sets a target of increasing total assets by 5-10%; credit and capital mobilization growth in accordance with the assigned limit; controlling bad debts below 1.8%; maintaining operating safety indicators and ensuring shareholder interests.
Sharing at the congress, Mr. Tran Minh Binh - Secretary of the Party Committee, Chairman of VietinBank's Board of Directors - said that the bank will continue to improve the management model, promote digital transformation and comprehensive system repositioning. The goal is to build a modern bank, where technology, data and people are closely connected, creating a sustainable competitive advantage.
The AGM also approved a number of contents on senior personnel, in order to consolidate the management and control apparatus, meeting development requirements in the new period.
With a solid financial foundation, clear strategy and determination to innovate, VietinBank is expected to continue to maintain its role as a key state-owned commercial bank, making positive contributions to economic growth and the national digital transformation process.
