FiinRatings, S&P Global Ratings' strategic partner, has officially announced that it maintains the long-term credit rating of Nam A Bank (HOSE: NAB) at "A-" with a "stable" outlook. This result reflects positive growth momentum, superior cost management capacity and solid capital buffer of this bank in the past year.
According to assessments from FiinRatings, Nam A Bank continues to maintain positive growth momentum thanks to optimizing its asset structure and improving core operating efficiency. As of the end of 2025, the bank's total assets reached an impressive level of 418 trillion VND, a strong growth compared to the previous year. Credit activities also recorded stable growth with outstanding loans to customers reaching nearly 198 trillion VND, an increase of 17.8%.
By the end of 2025, the bank's pre-tax profit reached more than VND 5,253 billion, an increase of 15.6% compared to the previous year. Total operating income reached VND 11,535 billion, a strong growth of 27.4%; of which, net interest income contributed mainly with VND 8,617 billion (up 8.6%).
Bright spot in cost management (CIR): One of Nam A Bank's biggest successes in the past year is the optimization of excellent operational efficiency. The cost-to-income ratio (CIR) has decreased sharply from 44% in 2024 to only about 33% in 2025. This is a cost optimization level belonging to the leading group of the banking system, helping to significantly increase pre-provision profit margins and create abundant financial resources for subsequent strategic goals.
In parallel with the growth target, risk management and system safety assurance are always put first by Nam A Bank. The bank's bad debt ratio (NPL) is tightly controlled and slightly reduced to about 2.2% (compared to 2.3% in 2024), the debt ratio of group 2 decreased to 1.3% compared to the context that many banks are increasing the debt ratio of group 2 and NPL. The bank also continuously maintains strict provisioning measures to proactively prevent potential risks from the market.
Regarding capital and liquidity, Nam A Bank recorded stable growth and diversification of mobilization channels, especially deposits from customers. By the end of 2025, the bank maintained a positive net liquidity surplus at a high level, reaching about 25.8 trillion VND, ensuring the ability to fully and promptly repay customers in the face of all pressures from the interbank market.
The capital adequacy ratio (CAR) reached 11.2% (compared to the SBV's minimum requirement of 8%), Nam A Bank still ensures strict compliance with the safety regulations of the State Bank. The bank's equity at the end of 2025 grew impressively by +21.8%, reaching 35,848 billion VND, maintaining a stable capital buffer.
