According to the bank's Q2 2025 financial report, this 10% growth is in line with government and State Bank regulations. It also reflects the demand from businesses and individuals, which is driving Vietnam's positive economic growth, a bank representative said.

For the first six months, Eximbank achieved a pre-tax profit of nearly 1.489 trillion VND, a 0.97% increase compared to the same period last year. Q2 profit alone reached 657 trillion VND. Net interest income for the first half reached 2.824 trillion VND. Service revenue also grew, reaching 1.204 trillion VND, contributing to a net service profit of 338 trillion VND, a 43.8% year-on-year increase.

Customers transacting at the bank. Photo: Eximbank

Customers transacting at the bank. Photo: Eximbank

Foreign exchange business continued to be a highlight with a net profit of 364.4 trillion VND, up 76.3% compared to the first half of 2024. Eximbank stated that thanks to its traditional strengths in international payments and trade finance, international payment turnover reached 3.9 billion USD, a 28.3% year-on-year increase. Other activities generated 250.3 trillion VND in profit.

Regarding risk management, Eximbank's non-performing loan ratio remained at 2.66% as of 30/6. Provisioning expenses decreased by 34.6% to 328.3 trillion VND, thanks to improved credit quality. Meanwhile, operating expenses increased by 24.9% to 1.959 trillion VND, mainly due to personnel costs, office rent, and depreciation.

As of the end of Q2, the bank's total assets reached 256.442 trillion VND, a 6.95% increase, equivalent to a 16.673 trillion VND rise since the beginning of the year. Deposits reached 225.517 trillion VND, increasing by 7.36%. Of this, the CASA ratio (non-term deposits) reached 24.141 trillion VND, a 3.6% increase. Return on assets (ROA) was 0.47%. Return on equity (ROE) was 4.55%.

The bank continues to maintain safety indicators as regulated by the State Bank of Vietnam. The capital adequacy ratio (CAR) fluctuates around 12%, higher than the minimum 8%. The ratio of short-term funds used for medium and long-term loans is below 30%, and the loan-to-deposit ratio (LDR) is also below 85%.

In the first six months, Eximbank achieved 28.7% of this year's pre-tax profit target (5.188 trillion VND). At the same time, the bank continues to promote digital transformation with the implementation of a new Core card system since May. The ESale and BPM technology solutions were honored at the Sao Khue 2025 Awards for their practical applications and ability to improve customer experience. Previously, Eximbank was also awarded the "Leading Licensee in Merchant Sale Volume 2024" by Mastercard.

Besides business activities, Eximbank actively participates in community programs. The TP HCM night run organized by the bank attracted more than 5,000 participants. Activities such as the blood donation drive "Giving blood today, giving hope - together with Eximbank building the future" and the gratitude program in Quang Tri - Thua Thien Hue were also carried out throughout.

Regarding lending rates, the bank's average rate in June was 7.1% per year. For corporate customers, the rate was only 6.61% per year, lower than the market average. According to an Eximbank representative, maintaining reasonable interest rates demonstrates the bank's commitment to supporting businesses and individuals during challenging times.

This year, the bank is actively lowering lending rates and offering many support programs for SMEs, following the direction of the Government and the State Bank. The bank aims to support businesses and individuals in accessing loans, promoting economic growth, and leading the country into a new era.

To date, Eximbank serves about 2.6 million customers, mainly individual customers. The bank considers this year a pivotal period, consolidating its foundation for a breakthrough in the 2026-2030 period. Eximbank is coordinating with international consulting firms to develop medium and long-term development strategies, strengthen risk management, and enhance internal capacity.

Eximbank is preparing to move its headquarters to Hanoi after receiving approval from the State Bank. According to the bank's leadership, this is a strategic turning point in the bank's restructuring and rebranding process. This decision reflects a shift in leadership thinking, orienting Eximbank to become a bank with modern governance, high competitiveness, transparency, and efficiency.

Hoang Dan