Strong growth in both scale and efficiency
In 2025, VietinBank actively implemented synchronous business solutions, proactively optimized the efficiency of cost use and managed asset quality well..., thereby business results continued to grow strongly, safely, and effectively:
On scale:
- Total assets reached 2,768 trillion VND, an increase of 16% compared to the end of 2024.
- Outstanding loans reached 1,992 trillion VND, an increase of 15.7% compared to the end of 2024, growth in all business and retail segments, focusing on production and business industries, and sectors prioritized for development according to the direction of the Government and the State Bank.
- The bad debt/lending balance ratio is controlled at 1.1%, down compared to the end of 2024 due to the quality of assets being tightly controlled. The bad debt coverage rate reached 158.8%, continuing to maintain at a high level.
- Customer deposits reached 1,794 trillion VND, an increase of 11.7% compared to the end of 2024. In which, CASA capital continued to grow strongly with the scale of CASA reaching 458.1 trillion VND, an increase of 14.8% compared to the end of 2024. CASA's proportion/total mobilized capital reached 25.5% (an increase of 0.7 percentage points compared to the end of 2024).
About effectiveness:
- Risk handling debt recovery reached 10 trillion VND, an increase of 17.9% compared to the same period in 2024.
- Total operating income reached 87.3 trillion VND, an increase of 6.6% compared to 2024.
- Net profit from business activities before credit risk provision expenses reached 60.7 trillion VND, up 2.3% compared to 2024. Credit risk provision expenses were at 17.3 trillion VND, down 37.3% compared to 2024 due to tight control over credit quality. Pre-tax profit reached 43.4 trillion VND, up 36.8% compared to 2024, reaching Top 2 in the banking industry.
- Effectiveness indicators continue to improve: NIM reached 2.59%, a slight increase of 0.02% compared to the end of Q3/2025. ROA reached 1.69%, ROE reached 21.25%, a strong improvement compared to 2024.
- Liquidity ratios are controlled at a safe level, in compliance with the regulations of the State Bank.
Continue to apply digital transformation and artificial intelligence in business operations
In addition to business results, in 2025, VietinBank continues to implement the Comprehensive Digital Transformation Journey X01 based on four pillars: Digitalization, Data, Technology, People and Organization. More than 90 digital transformation initiatives have been implemented, directly contributing to business results, improving customer experience, increasing labor productivity and promoting channel transformation. 2025 also marks a turning point in data and artificial intelligence when VietinBank established the Data & Artificial Intelligence (AI) Division, creating a unified focal point for data management, protection and exploitation.
More than 50 AI and Machine Learning application initiatives have been put into operation, covering many areas of operation, from forecasting needs and product suggestions, identifying customers at risk of leaving, and early warning of credit risks.
With continuous innovation and creativity efforts and outstanding results achieved, VietinBank is confident that it will continue to bring outstanding value to customers, shareholders and the community - towards becoming a multi-functional, modern and leadingly efficient bank in Vietnam.
