In the context that the banking industry continues to face many challenges, Vietnam Public Joint Stock Commercial Bank (PVcomBank) recorded a prosperous 2025 with many changes in key business targets.
The bank not only expanded its operating scale but also had a clear improvement in business efficiency, with revenue and pre-tax profit both increasing sharply compared to the previous year, while maintaining safety and risk management indicators according to regulations.
Scale of operations expanded, business efficiency improved
PVcomBank's operating picture in 2025 recorded many positive signs after a period of consolidating its operating foundation. By the end of the year, the Bank's total assets reached more than 263,000 billion VND, an increase of nearly 17% compared to the beginning of the year. In which, outstanding loans to customers were more than 151,600 billion VND, a sharp increase compared to 2024.
Not only expanding scale, the Bank also focuses on improving customer exploitation efficiency by strengthening cross-selling products. Thanks to that, service activities brought in 311 billion VND in revenue, contributing to the Bank's income structure.
In the capital source segment, total mobilization from economic organizations and individual customers reached 225.705 billion VND. Notably, demand deposits (CASA) increased by 46%, showing a positive change in the mobilization structure, and also contributing to supporting capital cost control. CASA's strong growth has become an important "base" for PVcomBank to proactively reduce lending interest rates, support customers, and improve competitiveness while still maintaining a breakthrough in profits.
With positive changes in the scale structure, PVcomBank's business results also achieved many bright spots. Total operating income equivalent to 154% of the plan, of which net interest income reached more than 3,529 billion VND, a slight increase compared to the previous year. This result helped PVcomBank's pre-tax profit exceed the milestone of 1,700 billion VND, exceeding the year's plan and growing many times higher than the previous year.
Promoting digital transformation, maintaining the foundation for sustainable development
Along with the growth target, PVcomBank continues to maintain a cautious risk management orientation. In 2025, capital safety and risk management indicators both meet the requirements of the State Bank, contributing to consolidating the financial foundation and improving adaptability to market fluctuations.
The capital adequacy ratio (CAR) is maintained according to regulations, while the bad debt ratio is controlled below 3%. The bank also synchronously implements many solutions to handle and recover debts, thereby contributing to maintaining safe and stable operations and supporting the restructuring process towards greater sustainability.
One of the notable highlights in the past year is PVcomBank's continued promotion of investment in digital transformation.
Identifying technology as the core growth driver in the period 2025 - 2030, the Bank has implemented many key technology projects to improve operational efficiency and improve customer experience. In which, the AI Chatbot system put into operation helps enhance 24/7 customer support and promote the shift of non-financial transactions to digital channels. At the same time, the PVConnect Digital Banking platform continues to be upgraded with many new utilities such as QR payment by credit card, online tax payment, opening beautiful number accounts, paying periodic bills, registering for card issuance or group fund features.
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 conversion model suitable for the development goals in the new stage.
In addition to business operations, PVcomBank also maintains social security programs in many localities. In 2025, the Bank participates in supporting people affected by natural disasters, sponsoring funds to eliminate temporary and dilapidated houses for poor households, and contributing equipment to many hospitals and schools nationwide. These activities show efforts to balance business growth goals with social responsibility throughout the Bank's development process.
