VietinBank achieved a record pre-tax profit of approximately 41 trillion VND in 2025, marking a nearly 30% increase from 2024. This significant financial milestone was revealed by the bank's leadership at a conference in early 2026, where they reviewed 2025 performance and outlined goals for the current year.

The impressive profit growth was largely fueled by robust credit expansion. Chung khoan MB (MBS) estimates VietinBank's credit growth for 2025 reached 20%, benefiting from strong performance in the first nine months of the year and increased public spending during the latter half of last year.

By 31/12/2025, VietinBank's total assets surpassed 100 billion USD, equivalent to approximately 2.63 trillion VND. This represented an 18% increase from the previous year-end. The bank also saw a 12% rise in capital mobilization, with the current account savings account (CASA) ratio maintaining around 25%. Critically, VietinBank managed to keep its non-performing loan (NPL) ratio at a low 1%.

Looking ahead to 2026, VietinBank has set ambitious targets, aiming for its total assets to grow by another 5-10%. The bank also plans to keep its NPL ratio below 1.8%. Credit growth for this year will align with limits approved by the Ngan hang Nha nuoc (State Bank of Vietnam).

Chung khoan VNDirect projects VietinBank's non-interest income to increase by 17.5% year-on-year in 2026. This anticipated growth is supported by proactive debt recovery efforts and the potential sale of Ciputra Towers, which has seen an increase in land value. Furthermore, VietinBank is seeking a license to produce gold bars, a strategic move expected to further boost its non-interest income streams.

By Trong Hieu