A Deputy Governor of the State Bank of Vietnam attended Vietcombank’s conference reviewing 2025 performance and setting 2026 tasks, and outlined priorities for the bank’s next-phase execution. The guidance centred on running a safe and compliant business plan aligned with Directive 01, managing and using state capital effectively, and operating credit growth flexibly while directing funding to production and business activity and other priority growth drivers. Vietcombank was also told to strictly control non-performing loans and risks in potentially vulnerable areas, accelerate restructuring linked to bad-debt handling, and follow the required roadmap for receiving the compulsory transfer of weak credit institutions. Further expectations included tighter discipline through more effective inspection, control and internal audit with full remediation of post-inspection shortcomings, and a step-change in digital transformation, including the use of AI and big data to lift productivity and strengthen risk management. Vietcombank reported 2025 results including total assets of VND 2.48 million billion (+20%), credit balances of VND 1.66 million billion (+15%) and a non-performing loan ratio below 1%, alongside nearly VND 15,000 billion contributed to the state budget; it also cited nearly VND 7,000 billion in preferential-rate support for nearly 39,000 customers affected by natural disasters and noted early completion of the compulsory transfer of VCBNeo, with 2026 priorities including continued digitalisation, key credit programmes and green and sustainable finance.

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