Key Financial Indicators
| Balance sheet (Billion VND) | Q1 | Q2 | Q3 | Q4 | 2025 | 2024 | FY25 vs FY24 (%) | Q4/25 vs Q3/25 (%) | Q4/25 vs Q4/24 (%) |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 314,727 | 341,331 | 355,679 | 407,674 | 407,674 | 320,148 | 27.34 | 14.62 | 27.34 |
| Total Credit | 19,312 | 201,342 | 205,539 | 20,717 | 20,717 | 177,394 | 16.79 | 0.79 | 16.79 |
| Total Lending | 192,346 | 200,757 | 204,953 | 205,209 | 205,209 | 176,493 | 16.27 | 0.12 | 16.27 |
| Total Corporate Bonds | 774 | 585 | 585 | 1,961 | 1,961 | 900 | 117.83 | 235.04 | 117.83 |
| Total Customer Deposits | 184,924 | 201,529 | 209,496 | 226,306 | 226,306 | 175,823 | 28.71 | 8.02 | 28.71 |
| Casa | 39,697 | 46,708 | 51,041 | 56,912 | 56,912 | 40,847 | 39.33 | 11.50 | 39.33 |
| Equity | 38,021 | 39,312 | 40,556 | 42,446 | 42,446 | 36,818 | 15.29 | 4.66 | 15.29 |
| Charter Capital | 31,200 | 31,200 | 31,200 | 31,200 | 31,200 | 31,200 | - | - | - |
| Business Results (Billion VND) | Q1 | Q2 | Q3 | Q4 | 2025 | 2024 | FY23 vs FY22 (%) | Q4/23 vs Q3/23 (%) | Q4/23 vs Q4/22 (%) |
|---|---|---|---|---|---|---|---|---|---|
| MTLT | 3,258 | 3,535 | 3,404 | 3,848 | 14,044 | 14,218 | -1.22 | 13.04 | -9.55 |
| CAR | 2,504 | 2,585 | 2,815 | 3,044 | 10,947 | 10,243 | 6.88 | 8.11 | -3.04 |
| LDR | 1,234 | 1,304 | 1,326 | 1,203 | 5,068 | 5,230 | -0.31 | -9.27 | -36.36 |
| Provision Expense | 393 | 689 | 490 | 346 | 1,918 | 2,084 | -7.97 | -29.37 | -4 |
| PBT | 1,631 | 1,542 | 1,587 | 2,298 | 7,058 | 6,904 | 2.24 | 44.78 | 14.78 |
| PAT | 1,266 | 1,237 | 1,274 | 1,851 | 5,629 | 5,519 | 1.98 | 45.29 | 14.49 |
| Other Indicators | Q1 | Q2 | Q3 | Q4 | 2025 | 2024 | FY25 vs FY24 | Q4/25 vs Q3/25 | Q4/25 vs Q4/24 |
|---|---|---|---|---|---|---|---|---|---|
| CIR (%) | 37.88 | 37.03 | 38.97 | 31.36 | 36.14 | 36.75 | -0.61 | -7.61 | -12.98 |
| ROA (%) | 1.82 | 1.60 | 1.62 | 1.59 | 1.59 | 1.85 | -0.26 | -0.03 | -0.26 |
| ROE (%) | 15.54 | 13.65 | 13.95 | 14.04 | 14.04 | 15.97 | -1.93 | 0.09 | -1.93 |
| NIM (%) | 3.50 | 3.45 | 3.45 | 3.22 | 3.22 | 3.57 | -0.35 | -0.23 | -0.35 |
| (NPL) Ratio under Circular 31 (%) | 1.98 | 1.97 | 2.02 | 1.82 | 1.82 | 1.90 | -0.08 | -0.20 | -0.08 |
| Standalone Credit Growth (%) | 8.92 | 13.39 | 15.10 | 15.80 | 15.80 | 18.25 | -2.46 | 0.70 | -2.46 |
| CAR (%) | 12.25 | 12.28 | 12.18 | 12.49 | 12.49 | 12.39 | 0.11 | 0.32 | 0.11 |
| MTLT (%) | 27.05 | 26.57 | 27.03 | 26.74 | 26.74 | 28.27 | -1.53 | -0.29 | -1.53 |
| LDR (%) | 79.09 | 74.03 | 71.31 | 61.99 | 61.99 | 72.24 | -10.25 | -9.32 | -10.25 |
| Earnings Per Share (EPS) (VND/Share) | 487 | 476 | 408 | 593 | 1,804 | 2,123 | -15.03 | 45.34 | -4.66 |
| CASA (%) | 24.35 | 26.78 | 27.83 | 28.94 | 28.94 | 26.42 | 2.52 | 1.11 | 2.52 |
