According to its second quarter financial report, Vietnam Prosperity Bank (VPBank) recorded total income of 23.483 trillion VND, up nearly 44% year-on-year. This increase was primarily driven by net interest income, a key indicator of a bank's core business operations, which improved by 34% to nearly 18 trillion VND.

The bank also tightly controlled operating expenses, with this item increasing by only nearly 10% compared to last year, reaching 4,614 billion VND. As a result, VPBank achieved a record pre-tax profit of 10.929 trillion VND, a 76% rise year-on-year.

Cumulatively for the first half of the year, VPBank's consolidated pre-tax profit reached nearly 18.9 trillion VND, up 68% year-on-year and achieving nearly 46% of its full-year plan. Of this, the parent bank contributed 15.9 trillion VND.

According to VPBank, the growth of its member units, in addition to the parent bank's improvement, also contributed to this quarter's business results. VPBankS, the securities company within its ecosystem, recorded a pre-tax profit of 2,673 billion VND after the first two quarters, three times higher than the same period last year, and ranked among the top 8 in brokerage market share on HoSE.

GPBank, a bank compulsorily transferred to VPBank early last year, posted a profit of 730 billion VND in just the first 6 months, nearly one and a half times its full-year 2025 results.

As of 30/6, VPBank's total assets reached 1,500 trillion VND, up 19% from the beginning of the year. Of this, the bank lent customers 1,100 trillion VND, an improvement of 23% compared to the end of last year. The corporate segment continued to be the main growth driver for VPBank's credit.

Customer deposits and valuable papers reached nearly 902 trillion VND, up 22.7% compared to the end of 2025. The loan-to-deposit ratio (LDR) stood at 84.5%, complying with State Bank of Vietnam regulations.

Trong Hieu