Breakthrough business results, creating a foundation for a new growth phase
National Citizen Commercial Joint Stock Bank (NCB) has just announced its financial statements for the second quarter and accumulated for the first 6 months of 2026. Accordingly, NCB continues to maintain outstanding growth with after-tax profit in the second quarter of 2026 reaching more than 510.7 billion VND, up 64% compared to the same period in 2025 and up nearly 136% compared to the first quarter of 2026. Net interest income reached nearly 1,033 billion VND, up 36%, profit from service activities reached more than 72 billion VND, up 4% compared to the same period last year.
This is also the highest quarterly profit in NCB's history, reflecting a clear improvement in the quality of business operations, operating efficiency and capacity of the bank after 5 years of drastic restructuring.
Accumulated in the first 6 months of 2026, NCB achieved more than VND 726.7 billion in after-tax profit, an increase of 57% compared to the same period in 2025. According to the commitment made at the 2026 Annual General Meeting of Shareholders, NCB will use all profits to implement the restructuring plan roadmap (PACCL) to complete PACCL early and towards sustainable development.
As of June 30, 2026, NCB's total assets reached nearly 19,000 billion VND, an increase of 21.5% compared to the end of 2025 and reaching 105% of the 2026 plan. Total customer loans reached more than 133,527 billion VND, an increase of nearly 36,000 billion VND compared to December 31, 2025.
With the trust and choice of customers and pioneering and attractive products, NCB's total customer mobilization (including customer deposits and issuance of valuable papers) until June 30, 2026 had an impressive increase, reaching more than 150,000 billion VND, an increase of nearly 14% compared to the end of 2025. NCB's demand deposit (Casa) at June 30, 2026 also reached more than 11,889 billion VND, an increase of 9% compared to the end of 2025.
The rate and structure of bad debts continue to improve strongly, showing that NCB is controlling the quality of its lending portfolio well, improving the efficiency of capital use and effectively implementing debt handling solutions according to the PACCL roadmap.
The above results not only show that NCB has had an impressive growth period, but also a milestone affirming that NCB has passed the reconstruction phase to move to a new development cycle.
The solid foundation that has been built is the premise for NCB to create breakthrough changes in the 2026-2030 period, towards becoming a healthy, efficient, sustainable development bank, providing excellent financial services and solutions in the market.
Pioneering innovation, improving comprehensive capacity
Over the past time, NCB has impressed as the bank with the fastest charter capital increase in the whole industry in the past 5 years. With 4 consecutive capital increases raising the total charter capital to 29,280 billion VND, 3 years earlier than the roadmap set out at PACCL, NCB has made a spectacular transformation from a small-scale bank group to a bank group with high charter capital in the market, possessing a solid financial foundation to meet the breakthrough growth step in the next period.
At the same time, NCB's management and administration capacity is also constantly being improved with the participation and leadership of a series of experienced senior personnel with heart, vision, and talent, along with highly specialized domestic and international experts.
Only after a short period of comprehensive transformation, NCB has become a "new destination" for talented personnel in the finance - banking industry, possessing competitive personnel policies and a leading attractive working environment in the market.
On the basis of financial and management capacity, and strengthened technological capacity, NCB has also gradually affirmed its position in sectors that play a driving role in the economy.
In the corporate customer segment, NCB has deployed supply chain financing for more than 180 businesses with a credit scale of trillions of VND, providing capital for 70 large-scale projects spanning across the country, including many key national projects such as: Conference and Exhibition Center, Theater, Park, infrastructure serving APEC; Ben Nha Rong - Khanh Hoi Cultural Park project and public green trees along the Saigon River; City Center Square and Administrative Center of Ho Chi Minh City project,...
NCB also has made great strides in solutions, products and innovation capacity when bringing customers pioneering digital banking solutions, outstanding financial platforms for businesses, unique card lines or financial solutions integrating a privileged ecosystem for the first time on the market, contributing to digitizing Vietnam's tourism industry, bringing high-class privileges, accompanying customers to experience a quintessential and emotional lifestyle.
The achievements made in the first half of 2026 are showing NCB's determination to break through with specific actions, affirming the position of a modern bank with strong enforcement capacity, not only determined to complete PACCL early but also ready to enter a new growth cycle with big goals and many challenges.
