These details were highlighted in the bank's recently released financial report. A key feature of Eximbank's financial performance last year was the allocation of 1,526 billion dong for risk provisioning, an increase of 57,5% from the previous year.

According to a bank representative, the increased provisioning was a proactive and prudent decision aimed at strengthening its financial buffer, thereby enhancing resilience against market fluctuations. This rise in provisioning costs directly impacted business results. Pre-tax profit for 2025 stood at 1,511 billion dong, falling short of the initial target. However, this outcome aligns with the calculated operational strategy, as the bank accepted a short-term reduction in profit to establish a safer and more transparent foundation for subsequent periods.

Eximbank Phung Khac Khoan in Ho Chi Minh City. Photo: Eximbank

The representative further stated that despite profits being affected by provisioning and investment costs, Eximbank's core business activities maintained a stable pace. The consolidated financial report for Q4 2025 showed that net interest income increased by 11,4% to 1,691 billion dong compared to the same period. During the quarter, the bank recorded a slight decline in service activities; however, foreign exchange business still generated 116 billion dong, and profits from other activities reached 152 billion dong.

For the full year 2025, the bank's net interest income reached 5,980 billion dong, an increase of 0,95% from the previous year. Total assets stood at 273,270 billion dong, up nearly 14% from the beginning of the year. Capital mobilization reached 242,669 billion dong, an increase of 16%, and outstanding credit balances amounted to 196,077 billion dong, up 17%. Safety indicators such as the non-performing loan ratio, capital adequacy ratio (CAR), and loan-to-deposit ratio (LDR) were all controlled within the State Bank of Vietnam's regulatory limits, with the non-performing loan ratio remaining below 3%.

Alongside financial consolidation, Eximbank accelerated its restructuring and system transformation. The bank increased investment in high-quality human resources, implemented technology projects, and improved operational processes, while gradually upgrading its governance framework to international standards. These investments led to higher operating costs in the short term but are expected to build a foundation for long-term efficiency.

These efforts were recognized when S&P Global Ratings upgraded Eximbank's credit rating to BB- with a "stable" outlook in 2025. The upgrade reflects a positive assessment of the bank's risk management direction and financial capacity.

Concluding 2025, the bank announced the completion of its internal strengthening phase. The financial, governance, and operational foundations established during this period are considered the basis for improving operational efficiency, aiming for more stable and sustainable long-term growth.

Hoang Dan