The Bank for Investment and Development of Vietnam (BIDV) recently released its preliminary business results for 2025. Alongside its record profit, the bank's return on assets (ROA) reached 1,01%, and its return on equity (ROE) also hit 19,02%.

As of 31/12/2025, BIDV's total assets surpassed 3,25 million billion VND, marking a 20% increase from 2024. This solidified its position as the leading bank in Vietnam by asset size.

The bank's capital mobilization exceeded 2,4 million billion VND, growing by nearly 14%. Credit outstanding reached over 2,3 million billion VND, an increase of more than 15% compared to the beginning of the year. The non-performing loan ratio, as per Circular 31, stood at 1,2%.

By the end of 2025, BIDV's parent bank's equity reached 163.000 billion VND, growing by over 19%. Its charter capital surpassed 70.000 billion VND. The bank contributed over 12.700 billion VND to the state budget, placing it among the top corporate income tax payers.

Specifically, the pre-tax profit from its subsidiaries exceeded 1.490 billion VND. Pre-tax profit from joint ventures and associates was over 1.470 billion VND.

The bank stated that in the past year, it proactively cut costs and reduced income by over 5.600 billion VND to lower lending interest rates. Consequently, BIDV supported nearly 400.000 customers by reducing interest rates from 0,5% to 2% annually, while also restructuring their debt repayment terms.

On the stock market, during the 7/1 trading session, the bank's BID shares surged by over 5% compared to the previous session, currently trading around 40.900 VND per share.

Quynh Trang