Equitable growth in scale and efficiency
In 2025, SeABank implemented a comprehensive restructuring of its vertical business model and promoted a flexible business strategy, thereby maintaining a stable and even growth momentum in both scale and efficiency.
Accordingly, SeABank's business results in 2025 recorded impressive efficiency: Pre-tax profit reached VND 6,868 billion, an increase of 13.73% compared to 2024 and completed 106% of the plan; Non-interest income (NoII) reached VND 4,410 billion, a sharp increase of 80.54% compared to 2024; Total operating income (TOI) reached VND 14,114 billion, an increase of 13.74% and completed 112% of the plan. CIR decreased to 33.01% thanks to comprehensive digitization and optimizing efficient operations. ROE exceeded the plan by 14.62%, reflecting the efficiency of capital use and improving productivity.
Thanks to well exploiting credit needs, expanding the portfolio effectively associated with risk control, outstanding credit at SeABank increased by 16.69% to 244,972 billion VND while the bad debt ratio continued to be controlled below 3% as regulated.
As of December 31, 2025, SeABank's operating scale has been significantly expanded with total assets reaching 396,443 billion VND, an increase of 21.72% compared to 2024 and completing 111% of the annual plan. Charter capital increased to 28,450 billion VND, Owner's equity reached 40,373 billion VND, an increase of 15.34% compared to 2024, ensuring capital foundation and operational safety. Capital mobilization grew stably with total deposit and credit mobilization reaching 221,791 billion VND, an increase of 11.58% compared to 2024.
In addition, SeABank's reputation in the international market continues to be promoted, helping the Bank receive an additional investment of 80 million USD from the French Development Finance Organization (Proparco) and the Dutch Enterprise Development Bank (FMO), raising SeABank's total mobilization from the international market to more than 1.1 billion USD. Thereby, SeABank has more resources to support small and medium-sized enterprises, women-owned enterprises to access finance, while promoting environmental and social risk management and climate change prevention.
In 2025, SeABank also completed the handover of Post and Telecommunications Finance Company Limited (PTF) to partner AEON Financial Service Co., Ltd. (AEON Financial). Thereby helping the Bank restructure capital sources and strengthen financial capacity, continue to expand scale, invest in technology, promote business in a focused direction and be ready to accelerate sustainable growth in the next period.
Redefining the strategic framework, ready to accelerate growth
2025 is an important strategic milestone for SeABank when it officially announced a new strategic framework on Life Goals - Vision - Aspirations - Values, laying the foundation and orientation for the Bank to continue to rise to sustainable development in the next period.
Aspiring to bring satisfaction and different services, the Bank actively deploys specialized service products according to modern financial trends associated with lifestyle, typically: Visa SeASoul 2in1 card line combined with singer My Tam, transaction and consulting space exclusively for priority customers SeAPremium Lounge, SeAPremium Golf Master exclusive golf tournament... In particular, SeABank has been the exclusive sponsor of singer My Tam's See The Light live concert - the largest personal liveshow in V-Pop history with a record scale of 40,000 spectators, huge investment with a system of stages, sound, and lighting meeting international standards, establishing new standards for concerts in Vietnam.
For corporate customers, SeABank implements tailor-made solutions specifically for female-owned enterprises, FDI enterprises, enterprises converted from household businesses... Efforts to serve customers by segment have contributed to helping the Bank maintain a stable growth momentum in 2025, while affirming its pioneering position of sustainable companionship and bringing maximum value to customers.
Through the redefinition of the strategic framework, SeABank officially puts responsibility and sustainability into all decisions, closely following its vision to become a "bank that puts people and communities first". Environmental, Governance and Social (ESG) criteria are being promoted, setting a target to reach 5% green credit portfolio by 2030, reduce greenhouse gas emissions by 10%, support 100,000 female customers and female-owned businesses, achieve 40% female leadership ratio, 100% financial transparency, and publish annual ESG reports according to international standards.
Accordingly, SeABank continues to strengthen transparency, ensure compliance with Vietnamese regulations and standardize according to international standards for information disclosure activities, corporate governance reports, financial statements, annual reports... in 2025. The Bank has maintained its position in the Top 10 Best Annual Reports - Finance Industry Group (VLCA 2025) and successfully independently published the Sustainable Development Report, affirming transparency through specific and measurable actions.
The total budget for social security and environmental activities of SeABank in 2025 is more than 33 billion VND, an increase of 44% compared to 2024, allocated to many meaningful programs such as: handing over nearly 1,000 houses to poor households in Hoa Binh and Thai Nguyen provinces under the program to eliminate temporary houses and dilapidated houses; supporting 6.5 billion VND for relief and disaster recovery and overcoming the consequences of storms and floods in many localities... In addition, SeADreams Scholarship Fund sponsored an additional 10 poor students, continued to award Scholarships worth 1.5 million VND/month/student to 150 students until the end of 12th grade. SeAGreen for the Environment Fund planted nearly 671,000 new trees in Ha Tinh, completing the goal of planting 1 million trees ahead of schedule. SeASmile Charity Fund continues to implement annual charity activities "Spring of Love", "SeABankers For Children"...
