Nam A Bank's total assets reached nearly VND 315,000 billion by the end of June 2025, up more than 30% compared to the beginning of the year and marking a strong increase in the scale of operations of this bank in more than 32 years of operation. Outstanding credit reached nearly VND193,000 billion, up 14.7% compared to the beginning of the year, mobilization from economic and residential organizations reached nearly VND211,000 billion, an increase of more than 22% compared to the beginning of the year.
In the context of strong credit growth in the whole industry (nearly 9.9% in the first 6 months of the year), Nam A Bank proactively promoted mobilization from the beginning of 2025 to ensure resource balance - resource use, while maintaining stable liquidity to serve increased credit demand.
Nam A Bank's credit growth acceleration in the first 6 months of the year is to serve customers' capital needs. In the context of the Government prioritizing promoting recovery and developing production and business, banks have proactively expanded credit to priority areas, contributing to spreading effective capital flows in the economy.
Since the beginning of 2025, Nam A Bank has continuously expanded cooperation and successfully mobilized many international capital from leading prestigious financial institutions such as: Global Climate Partnership Fund (GCPF), The Bank of New York Mellon, The Shanghai Commercial & Savings Bank (SCSB), Symbiotics Investment SA, ... These capital sources play an important role in the green credit growth strategy, supporting small and medium-sized enterprises, while enhancing Nam A Bank's commitment to sustainable development and ESG standards.
Nam A Bank proactively seeks profits from the secondary market, especially the interbank market and invests in government bonds, to diversify revenue sources and reduce dependence on interest income. The bank is actively participating in activities such as buying and selling bonds, investing in other financial instruments and expanding operations in the interbank market to optimize profits.
Profit from securities trading activities in the first 6 months of the year increased by nearly 50% over the same period in 2024. Foreign exchange trading activities also had positive profit growth compared to the same period in 2024. Nam A Bank's non-interest income ratio reached 15.5% in the first 6 months of 2025, a sharp increase compared to 8.43% in the same period in 2024, showing a significant improvement in the revenue structure and business orientation of the bank.
The above results contribute to helping Nam A Bank maintain a stable growth rate in recent years. Of which, ROE remained at nearly 20%, ROA reached 1.5%.
Asset quality is improving, when group 2 debt (before CIC) has decreased significantly from 1.47% in early 2025 to 0.62%, while the bad debt ratio (from group 3 to group 5) is at 2.63%. In addition, the bank is striving to set a roadmap to increase the provision of credit risk reserves in the coming time to gradually improve the bad debt coverage ratio, help increase the safety buffer for bad debt handling, as well as increase the sustainability of the bank, thereby hoping to improve the international credit rating results in the future.
The bank's operating expenses on total operating income (CIR) by June 30, 2025 decreased to 32.2% (down 7.6% over the same period), at the lowest level in many years. Maintaining asset quality and strictly controlling bad debts is the foundation for Nam A Bank to develop, especially when the bank implements a strategy of expanding scale and network.
Nam A Bank continues to maintain a cautious governance policy in lending, liquidity and capital safety activities. As of the end of June 2025, the LDR is controlled at 67.17%, reflecting the strategy of balancing resources - using resources appropriately in the context of strong credit growth. The rate of using short-term capital for medium and long-term lending decreased from 22.33% to 21.94%, showing an improvement in the quality of capital structure.
The bank also maintains a high liquidity reserve level, with a reserve ratio of 22.7%, double the minimum level prescribed by the State Bank. In addition, the ratio of ability to pay within 30 days for VND increased from 87.83% to 104.57%, showing that Nam A Bank's short-term liquidity continued to be solidly consolidated.
Fitch Ratings - one of the three leading credit rating organizations in the world - has announced Nam A Bank's Long-Term Issuer Default Rating (IDR) credit rating at "B+" with a stable outlook. At the same time, Moody's also maintains the B1 credit rating for Nam A Bank, while maintaining a stable outlook, reflecting a positive assessment of the bank's financial capacity, capital safety level and ability to adapt to the business environment.
The fact that both prestigious international rating organizations maintain stable assessments shows that Nam A Bank is controlling credit risks well, maintaining healthy liquidity and having a sustainable development orientation in the medium and long term.
