By the end of the 2025 fiscal year, BaoViet Bank reported positive changes in its business operations, demonstrated by an expansion in asset size and capital mobilization capacity. The financial report showed the bank's total assets grew by 22.22% compared to 2024. This is a significant figure for a bank of this size, reflecting efforts to increase market presence and expand financial capacity amid a volatile economic landscape.

Customers conducting transactions at a BaoViet Bank branch. *Photo: BaoViet Bank*

In addition to asset growth, capital mobilized from customer deposits increased by 27.83% compared to the previous year. This result not only helped the bank ensure ample liquidity for business needs but also created significant room to maintain regulatory capital adequacy ratios. The strong increase in capital mobilization also indicates customer confidence in the brand, particularly as the bank effectively leveraged the financial-insurance ecosystem of Bao Viet Group to reach a broad customer base.

In its credit operations, BaoViet Bank maintained steady growth, with total credit extended increasing by 10.19% compared to the previous year, and outstanding customer loans rising by 22.46%. Notably, credit growth was closely linked to risk control requirements. The bank implemented a selective lending strategy for individual and corporate customer segments, while exercising caution in appraising and managing collateral to improve asset quality and mitigate market-related risks.

Another highlight from the past year was BaoViet Bank's proactive reduction of its financial investment portfolio, with a sharp decrease in bond holdings. This adjustment is part of a more cautious asset portfolio restructuring roadmap, reducing the proportion of indirect investments to focus resources on core credit activities. This move is considered consistent with risk management objectives, especially given the complex developments in the corporate bond market in recent years.

Regarding overall business results, the bank's pre-tax profit increased by 3.64% compared to 2024. Credit activities remained the main driver, with net interest income rising by 4.33%, making a significant contribution to total revenue. These indicators demonstrate that the bank is on a sustainable growth path, prioritizing operational efficiency over pure scale expansion.

This year, BaoViet Bank continues to focus on enhancing growth quality alongside risk control. The bank aims to become a diversified retail bank, maintaining a stable position among medium-sized institutions. To achieve this, BaoViet Bank plans to accelerate digital transformation to optimize operations, while strengthening connections and further leveraging the Bao Viet ecosystem.

The bank's strategy for the upcoming period will focus on selectively developing retail and small and medium-sized enterprise (SME) segments, while increasing the proportion of low-cost capital and expanding service income. Risk management and capital adequacy will remain top priorities, gradually approaching international standards in line with the roadmap set by the State Bank of Vietnam, thereby building a solid foundation for stable long-term development.

Thanh Thu