The Congress approved all important contents with the orientation of comprehensive innovation to improve operational efficiency, towards the goal of building a flexible banking model - taking customers as a guiding principle.
Completing business targets for 2025 ahead of schedule
In the context of the financial - banking market continuing to fluctuate, PVcomBank maintains its growth orientation associated with risk management and improving operational efficiency. With proactive management, flexibility in business deployment and synchronous efforts throughout the system, the Bank has completed and exceeded the targets assigned by the General Meeting of Shareholders in 2025.
Accordingly, consolidated revenue reached 154% of the plan, of which the parent bank's revenue alone completed 151% of the set target. Consolidated pre-tax profit reached 1,704 billion VND.
Along with positive business results, PVcomBank's operating scale has also expanded with asset quality continuing to improve. As of the end of 2025, PVcomBank's total assets reached 263,457 billion VND, an increase of 17% compared to the beginning of the year.
The scale of outstanding loans to customers reached more than 151,650 billion VND, a sharp increase compared to 2024. In the year, the Bank also proactively adjusted and reduced lending interest rates to improve competitiveness, and at the same time promoted cross-selling of products to bring in revenue of 311 billion VND in the service segment.
Regarding capital sources, total mobilization from organizations and individuals reached 225,705 billion VND. The mobilization segment recorded a strong breakthrough when the amount of demand deposits (CASA) increased by 46% compared to the previous year. This achievement comes from a business development strategy through partner channels and constantly expanding the service ecosystem, helping the Bank change the mobilization structure in a positive direction and reduce capital costs effectively.
In addition, PVcomBank also focuses on governance and risk control associated with restructuring and sustainable development goals. The capital adequacy ratio (CAR) is maintained according to regulations, and the bad debt ratio is controlled below 3%. Debt handling and recovery solutions are implemented synchronously, contributing to maintaining safe, stable and sustainable banking operations.
In parallel with business activities, in 2025, PVcomBank continued to implement many practical social security programs such as supporting people affected by storms Wipha and Bualoi; sponsoring funds to eliminate temporary and dilapidated houses for poor households; and contributing equipment to many hospitals and schools nationwide with a total budget of up to hundreds of billions of VND.
Comprehensive digital transformation, improving customer experience
Identifying digital transformation as a foundational driving force for business growth and an important pillar for the modernization roadmap for the period 2025 - 2030, PVcomBank has implemented many key technology projects, while gradually completing the strategic orientation for the transformation process.
In parallel with completing the transformation orientation, PVcomBank continues to promote the application of technology in business operations and improve customer experience through the AI Chatbot system, shift non-financial transactions to 24/7 care channels and strongly upgrade the PVConnect digital banking platform.
Individual customers can easily access new utilities such as QR code payments with credit cards, online tax payments, opening beautiful number accounts, periodic invoice payments, registering for card issuance and group fund features.
In order to support businesses in effective financial management, the PVConnect Biz platform continues to diversify digital services such as online information updates, balance confirmation, digital signature electronic deposit confirmation, international money transfers and lot transfers. Along with the development of online products, the technology infrastructure at the counter is also invested and upgraded by the Bank.
The completion of the electronic identification process (eKYC) for businesses according to new regulations, combined with a biometric and digital signature system, has helped automate the process and expand ecosystem connection capabilities.
In particular, PVcomBank's internal operating capacity and digitalization speed in the past year have been strongly improved thanks to a strategic cooperation project with the world's leading consulting group Boston Consulting Group (BCG) - aiming to build a specific roadmap and transformation model suitable for the development goals in the new stage.
The results in the process of transforming and modernizing operations have helped PVcomBank be honored by IFM (International Finance Magazine) as "Most Typical Information Technology Innovation Bank of Vietnam in 2025".
Persistent restructuring roadmap and targets for 2026
With the consistent orientation "Consolidating safe and efficient operations - Accelerating transformation, creating sustainable value", PVcomBank determines that 2026 will be an important pivotal period in the context that the entire banking industry may face many fluctuations from the market. Inheriting the solid foundations built, this year, PVcomBank will continue to implement the approved restructuring roadmap, towards the goal of comprehensive digital transformation and focusing on ensuring a stable, safe and sustainable operating platform.
In the period of continuing to implement the restructuring plan, PVcomBank will proactively prioritize resources to the maximum for bad debt handling, promote provisioning and comprehensively consolidate the financial foundation under the strategic advice of BCG. This orientation will be the basis to ensure a stable and highly secure operating foundation for the Bank, while creating room for sustainable growth goals in the following years.
Based on the principle of prudence and risk management requirements, closely following macroeconomic developments, the General Meeting of Shareholders unanimously approved the business plan for the whole year 2026 with the goal of consolidated revenue and pre-tax profit reaching 21,702 billion VND and 114.3 billion VND respectively.
