NCB recently announced positive business results for the first six months of the year. Its second-quarter post-tax profit is estimated at over 311 billion VND. As of 30/6, the bank's total assets reached over 144,054 billion VND, a 21.6% increase compared to the end of last year and surpassing the 2025 plan by 6.3%.

Customer loans reached nearly 86,835 billion VND, a 22% increase compared to the end of 2024, completing 90.4% of the annual target. Total capital mobilization, including customer deposits and issuance of valuable papers, reached over 120,148 billion VND, a 19.6% increase compared to the end of last year and exceeding the annual plan by about 1.4%.

Customers transacting at NCB. Photo: NCB

Customers transacting at NCB. Photo: NCB

Total net interest income for the first six months is estimated at 1,262.5 billion VND, a 155% increase compared to the same period last year, continuing to be the bank's primary source of revenue. In addition, non-interest activities such as services, foreign exchange trading, and securities investment also recorded positive results in the second quarter.

According to a bank representative, the positive business results stem from the implementation of the Digital Wealth strategy, along with promoting product and service improvements, process optimization, and implementation of the restructuring roadmap in the Restructuring Plan (PACCL) until 2030, under the Non-Performing Loan Resolution Project following Decision 689 of the Prime Minister and guidance from the State Bank of Vietnam.

The bank also reported that, thanks to the proper implementation of the PACCL roadmap, the non-performing loan ratio against total outstanding loans has decreased compared to the end of 2024. Recently, the bank has also strengthened credit quality control by focusing on lending to customers with high credit scores and transparent records, while applying digital technology to the appraisal process to enhance efficiency and limit risks.

NCB plans to reposition its brand in the near future. Photo: NCB

NCB plans to reposition its brand in the near future. Photo: NCB

In 2025, NCB aims to increase its charter capital to 19,280 billion VND through a plan to issue 750 million private shares, which has been approved by the State Bank of Vietnam. 17 professional investors have registered to participate in this issuance, including some existing shareholders.

If completed, this will be the bank's third consecutive capital increase during the 2022-2025 period, enabling the bank to expand its capital scale earlier than the roadmap in the PACCL, consolidate its financial resources, and increase long-term capital to serve business activities.

Along with the capital increase plan, NCB continues to invest in technology infrastructure, promoting digital transformation according to its new strategy. The bank is also implementing a plan to reposition its brand, aiming to improve user experience and enhance its brand image in the market.

Minh Ngoc