In 2025, the bank reported total assets of 605,585 billion dong, a 19% increase year-on-year. Capital mobilization exceeded 401,680 billion dong, providing a strong financial foundation for its core business operations.

A key highlight of LPBank's financial performance was its strong finish in Q4 2025, with 4,657 billion dong in pre-tax profit, representing a 35% increase from Q3 and nearly 40% year-on-year. This pushed the full-year pre-tax profit to 14,269 billion dong, marking the highest in the bank's operating history and a 17% increase compared to 2024.

Alongside its growth, LPBank's profitability ratios remained among the industry's leaders. For 2025, return on equity (ROE) reached 25,2%, demonstrating efficient capital utilization and shareholder value creation. Return on assets (ROA) stood at 2,05%, reflecting a balance between growth and quality.

Amidst fluctuating interest rates, LPBank improved its net interest margin (NIM) in the last quarter of the year, reaching 3,6%, a 0,3% increase compared to Q3. This improvement stemmed from adjusting its loan portfolio structure and controlling capital costs.

In 2025, non-interest income accounted for 27% of total operating income, up from 22% in 2024. This improvement helps the bank reduce its reliance on credit and enhance profit sustainability. Growth was driven by a 151% increase in off-balance sheet debt recovery, along with a 54% rise in foreign exchange and securities trading.

According to a bank representative, 2025 was a pivotal year for LPBank's retail strategy, with systematic investment in technology and user experience. The bank continues its goal of becoming a leading bank in rural areas and tier-two cities through digital platforms, while also aiming to be among the Top 5 for priority services in major cities. Retail credit outstanding grew by 20% compared to the end of 2024, exceeding the overall credit growth of the industry.

LPBank Tower in Hanoi. Photo: LPBank

LPBank stated that these results stemmed from continuously promoting tailored financial products for each segment. During the year, the bank consistently launched service enhancements such as "Sinh loi Loc Phat" (Profitable Loc Phat) version 2.0, upgraded its LPBank Priority policy, and introduced the premium LPBank Visa Signature credit card. Its diverse product ecosystem, encompassing savings, investments, loans, and digital payments, helped attract a large number of new customers.

Alongside its growth, the bank maintained discipline in cost and risk management. Comprehensive digitalization and streamlined operations helped optimize the cost-to-income ratio (CIR) to 28,3%, a 1% reduction year-on-year, placing it among the lowest in the industry. Regarding asset quality, the bank maintained a non-performing loan (NPL) ratio at a safe 1,68%.

LPBank was established in March 2008, initially known as Lien Viet Joint Stock Commercial Bank. Through various phases of restructuring and strategic adjustments, the bank shifted its focus to retail banking, technology investment, and improving operational efficiency.

Hoang Dan