BIDV launches its 2026 business plan
On January 6, 2026, in Hanoi, BIDV held a conference to implement its business tasks and plans for 2026.
The conference was attended and directed by Mr. Pham Quang Dung - Member of the Standing Committee of the Party Committee, Deputy Governor of the State Bank of Vietnam; Mr. Duong Quoc Huy - Deputy Inspector General of the Government; representatives of the leadership of central departments and ministries and key leaders throughout the BIDV system.
In 2025, with proactivity, determination, and efforts to maximize all resources, BIDV's business activities will be safe, smooth, and effective, fulfilling all business plan targets; implementing a lean organization, streamlining processes, and positively transforming business activities. continue to affirm its leading and dominant role in implementing the guidelines, policies, and directives of the Party, State, Government, and State Bank of Vietnam (SBV); and fulfill its responsibilities to the State, shareholders, employees, and the community.
The report at the conference stated that, as of December 31, 2025, BIDV's business targets had all been met and exceeded the plans set by the SBV and the General Meeting of Shareholders.
Total assets reached over VND 3.25 million billion, a 20% increase compared to 2024, continuing to affirm its position as the joint-stock commercial bank with the largest total assets in Vietnam. Capital mobilization reached over VND 2.4 million billion, a 13.7% increase. Credit outstanding reached over VND 2.3 million billion, an increase of 15.2%. Credit quality was controlled within limits; the bad debt ratio according to Circular 31 was controlled at 1.2%. Consolidated pre-tax profit reached over VND 36,000 billion. Profitability and operational safety indicators were ensured: ROA reached 1.01%; ROE reached 19.02%; Capital Adequacy Ratio (CAR) reached 9%.
Preserved and developed State capital at BIDV; the bank's equity capital reached VND 163,000 billion, an increase of 19.6%; charter capital reached over VND 70,000 billion; market capitalization reached VND 273,000 billion (equivalent to USD 10.5 billion); Tax contributions exceeded VND 12.7 trillion, placing the bank among the leading enterprises in corporate income tax payments.
The operations of subsidiaries, joint ventures, and affiliates remained stable; pre-tax profit of subsidiaries reached over VND 1,490 billion; pre-tax profit of joint ventures and affiliates reached over VND 1,470 billion.
Effectively fulfilling its role as a powerful tool of the Party and State, BIDV has seriously implemented, complied with, and proactively and effectively carried out monetary policies and directives from the Government and the State Bank. Accompanying businesses and people in overcoming difficulties, BIDV proactively reduced costs and decreased income by over VND 5,600 billion to lower lending rates. Over the past year, the bank has supported nearly 400,000 customers with interest rate reductions ranging from 0.5% to 2% per year, while restructuring repayment terms for customers; actively participating in the social housing loan program with a scale of VND 30 trillion, and the program to overcome difficulties in the forestry and fisheries sectors with a disbursement scale of VND 22 trillion; implemented credit policies for agricultural and rural development; and pioneered social security programs in line with the Party and Government's policies with a total budget of over VND 500 billion, affirming its brand as a "bank for the community"...
BIDV continues to play a pioneering role, actively coordinating with management agencies in promoting national digital transformation and simplifying administrative procedures for citizens and businesses, such as: connecting online payments on the National Public Service Portal, implementing electronic tax payments via Etax Mobile, and operating online public service agencies right at the bank; implementing MyShop Pro - integrated sales management software on the banking app, supporting businesses in transitioning according to the government's policy. At the same time, BIDV continues to affirm its pioneering role in sustainable finance and ESG practices with green credit outstanding in 2025 reaching VND 81 trillion, accounting for over 10.8% of the total green credit in the entire economy; completing the development of a Sustainable Development Strategy and ESG practices at BIDV for the 2026-2030 period; successfully develop the BIDV 2024 Sustainable Development Report in accordance with international standards…
Speaking at the conference, on behalf of the SBV Leadership Board, Deputy Governor Pham Quang Dung acknowledged and commended the outstanding efforts and achievements of BIDV in the 2021-2025 period, especially in 2025. The Deputy Governor highly appreciated BIDV's efforts in reorganizing and streamlining its organizational model; consolidating the leadership team at all levels; comprehensively restructuring all aspects of its operations; and vigorously implementing digital transformation projects and mastering the new Core Banking system.
The Deputy Governor suggested that in 2026, BIDV should leverage its role as the leading bank in Vietnam's banking system, continue to serve as a solid pillar in ensuring sustainable economic growth, closely follow the Government's and SBV's directives and policies on monetary policy, credit, and banking operations; proactively develop business plans, financial plans, and organize their implementation to ensure safety and efficiency. At the same time, BIDV needs to strengthen the effectiveness and efficiency of its inspection, control, and internal auditing work, vigorously promote the role and responsibilities of the Supervisory Board, internal auditors, and the department performing inspection and compliance monitoring functions in order to promptly detect, warn, prevent risks, and handle existing problems and violations in its operations; promote substantive and comprehensive digital transformation; and pioneer the application of the highest international standards. In addition, BIDV also needs to urgently stabilize and promote the effectiveness of the new organizational model; continue to promote and demonstrate social responsibility by sharing difficulties with businesses and people. "With its long history and solid foundations, especially the positive results in 2025, the SBV's Board of Directors is confident that BIDV will continue to be united, determined, and innovative, successfully completing all tasks in 2026," emphasized Deputy Governor Pham Quang Dung.
In 2026, thoroughly implementing the Government's policies and the SBV's operational guidelines, BIDV clearly recognizes its role as the largest bank in the market, with a leading position in the banking industry. BIDV has set its operating motto as "Discipline - Quality - Efficiency - Comprehensive Transformation" and has set the following key business targets: Credit outstanding will be managed within the credit limit assigned by the SBV, with an expected growth of 15% - 16%; Mobilizing capital in line with capital utilization, ensuring safety and efficiency; Controlling the bad debt ratio at ≤1.5%; Striving for 10% growth in pre-tax profit; Ensuring compliance with the safety ratios prescribed by the SBV...
In his concluding remarks at the conference on the 2026 operational orientation, General Director Le Ngoc Lam emphasized that BIDV needs to thoroughly apply the motto "Discipline - Quality - Efficiency - Comprehensive Transformation" to improve the operational efficiency of the entire system, leverage existing achievements, overcome shortcomings, improve performance and labor productivity, continue to create new milestones of success, and contribute more to the development of the banking industry and the prosperity of the country.
The year 2025 closed with impressive results, creating a strong transformation and continuing the story of BIDV's collective determination and efforts on the journey to build a leading Large, Strong, and Green Financial-Banking Group in the region.
Entering 2026, the first year of a new strategic phase, as the country accelerates to realize its goal of strong development, BIDV is also confidently and steadily pioneering and innovating to fulfill its mission of "Bringing the best benefits and convenience to customers, shareholders, employees, the community, and serving the country."
At the conference, several units and individuals from BIDV were honored to receive the Third-Class Labor Medal, Commendations from the Prime Minister, and the Competition Flag from the State Bank of Vietnam (SBV).
