Vietnam Export-Import Commercial Joint Stock Bank (Eximbank, EIB stock code) has just released its financial report for the third quarter and the first 9 months of 2025 with positive business results, continued expansion in assets and credit, and stable growth in mobilized capital.
Credit growth 8.51%
As of September 30, 2025, Eximbank's total assets reached VND255,707 billion, up 6.65% over the beginning of the year. This result shows that the bank continues to maintain stable development momentum, focusing on improving asset efficiency and optimizing investment portfolios.
Total mobilized capital reached VND 224,282 billion, up 6.77% over the beginning of the year. Of which, capital mobilization from economic and residential organizations reached VND 176,165 billion, up 5.21%; issuance of securities reached VND 18,467 billion, up sharply by 69.97%. This reflects the confidence of customers and investors in Eximbank, while demonstrating flexibility in the strategy of diversifying capital sources, meeting the needs of credit development in the coming period.
Eximbank's credit activities continue to grow positively, targeting priority sectors of the economy. As of the end of the third quarter of 2025, outstanding credit granted reached VND 182,552 billion, up 8.51% compared to the beginning of the year.
In the third quarter of 2025, Eximbank recorded net interest income of VND 1,465 billion, down slightly by 4.6% over the same period. Service activities, foreign exchange, other activities... contribute significantly to the bank's revenue structure. Operating expenses increased to VND 924.6 billion, up 6.98% over the same period. At the end of the third quarter, Eximbank's pre-tax profit reached VND560 billion, down 38.02% over the same period.
Accumulated in the first 9 months of the year, Eximbank achieved net interest income of VND 4,289 billion. Interest from foreign exchange services and business activities reached VND348 billion and VND464.5 billion, respectively. Interest from other activities also brought in VND 332.8 billion for Eximbank. Risk provision costs decreased by 27% due to increased loan asset quality. However, the bank's operating expenses increased by 18.5% to VND 2,883.9 billion, so pre-tax profit decreased to VND 2,049 billion, equivalent to a decrease of 13.85% over the same period.
The after-tax profit margin on assets (ROA) reached 0.65%. The after-tax profit margin on equity (ROE) reached 6.23%. Eximbank's lending structure has changed significantly, the long-term lending ratio has increased sharply, while the short- and medium-term lending ratio is stable.
During the quarter, Eximbank made an outstanding mark with many prestigious domestic and international awards, while implementing practical credit policies, aiming to support people and businesses - in line with the orientation of the Government and the State Bank.
As a bank with strengths in the field of trade finance, in the context of increasing exchange rates in the last quarter, Eximbank has synchronously implemented many credit and incentive policies to effectively support import-export enterprises. The 'E-ONE' credit package is exclusively for large and FDI enterprises, with incentives for loan interest rates, international payment fees and money transfer fees. At the same time, Eximbank provides interest rate risk insurance tools for foreign currency loans, helping businesses proactively control financial costs in the face of exchange rate fluctuations.
Eximbank is committed to providing the most competitive foreign exchange rate in the market to support input and output costs for import-export enterprises. In addition, the program ' five-year tourism with Eximbank foreign exchange' season 3 was implemented as a form of encouraging customers to increase foreign currency transactions.
Recently, Eximbank was honored at the 2025 Asia Pacific Enterprise Awards (APEA) - Asia's leading prestigious award. Eximbank is also one of the banks participating in the PRIVATE 100 list of Largest Private Enterprises Paying the Budget in Vietnam; in the Top 50 Most Effective Companies in Vietnam; Receiving the Outstanding Technology Products and Digital Transformation Award for the 3rd consecutive year in 2025; honored to receive the Excellent International Payment Quality award...
Eximbank is honored to have S&P Global Ratings increase international credit to "BB"... with a "stable" outlook. This assessment is higher than the B+ average of the Vietnamese banking industry, recognizing Eximbank's positive changes in sustainable growth and restructuring efforts. This is not only an recognition by the international rating agency for the achievements that Eximbank has achieved, but also affirms the confidence of the market, partners and customers in the journey of comprehensive restructuring and strongly transforming both the operating model and the development vision of the bank.
