BIDV maintains stable and safe operations, promotes comprehensive transformation, and strengthens international cooperation

By the end of the third quarter of 2025, BIDV's business results closely followed the set plan, specifically:

• Total consolidated assets reached over 3.07 million billion VND , continuing to maintain its position as the joint stock commercial bank with the largest total assets in Vietnam.

• Capital mobilization fully meets capital needs, ensuring system liquidity. By September 30, 2025, capital mobilization from organizations and individuals reached over VND 2.29 million billion , up 6.5% compared to the beginning of the year. Capital mobilization grew well in the retail segment, contributing to consolidating a stable and sustainable capital base.

• Credit activities recorded a good growth rate with outstanding credit increasing by 8.8% compared to the beginning of the year, reaching 2.23 million billion VND . In particular, credit increased evenly in both retail and wholesale segments. Outstanding credit to individual customers increased by 9.2%, maintaining the number 1 retail credit market share in the market. Outstanding credit to corporate customers recorded good growth in the FDI segment, increasing by 29.4% compared to the beginning of the year.

• Credit quality continues to be tightly controlled, with the target of controlling the bad debt ratio at ≤1.6% by the end of 2025. Fully implementing risk provisions according to regulations, ensuring compliance with operational safety indicators.

• Business performance in the first 9 months of the year recorded positive results: Consolidated revenue and expenditure difference reached VND 40,494 billion; Consolidated pre-tax profit reached VND 23,632 billion , up 7.2% over the same period last year.

BIDV continues to affirm its position as a leading bank with outstanding results in comprehensive transformation of operations , optimization of operations, pioneering the implementation of the "dual" strategy of Digitalization - Greening, and strengthening international cooperation, specifically:

• Perfecting the organizational model in a streamlined and efficient manner: Implementing the policies of the Party and the Government, BIDV has rearranged the organizational structure and functions of the units at the Head Office, becoming a direct distribution channel for specific customer segments. At the same time, reviewing and rearranging the network of Branches/ Transaction Offices to optimize operations and improve customer service quality.

• Promote innovation, creativity, proactively apply technology, expand the digital ecosystem, typically :

+ BIDV's B-One internal management system was selected as a typical product to welcome the 1st Government Party Congress;

+ For retail customers: Deploy and replicate the new retail promotion model within the framework of the comprehensive transformation project across the entire system (RBT); Many new features on the SmartBanking application version X are integrated such as: Smart investment - the secret to making a profit, Salary advance loan, Group account, Foreign currency purchase, BIDV Home - a comprehensive, closed "digital settlement" solution to help customers realize their dream of owning a house... bringing customers a convenient experience and optimal efficiency.

+ For wholesale customers: Launching BIDV SCF - a seamless, comprehensive transaction platform, seamlessly and smoothly connecting businesses in the supply chain, providing flexible financial solutions, optimizing cash flow for businesses; Continuing to upgrade BIDV Direct application - a specialized digital bank for businesses - with modern technology and outstanding utilities to help businesses optimize financial management.

• Affirming its pioneering role in the field of green finance and sustainable development : In the first 9 months of 2025, BIDV's green credit balance reached about 81 trillion VND, accounting for 3.7% of total outstanding loans, maintaining its leading position in the entire banking system in terms of green financing scale.

• Promote international cooperation, open up new development opportunities and enhance BIDV's position in the international arena: Sign a cooperation agreement with Hanabank at the Vietnam - Korea Economic Forum 2025; Strengthen exchanges and cooperation on technology, digital transformation, data, digital assets, open banking and sandbox legal framework with international organizations such as Trade Data Monitor, FINMA, SECO, Innovate Finance, Digital Catapult...; Promote relationships with large domestic and foreign corporations and enterprises such as: SEMBCORP Development Vietnam, Vietnam National Shipping Lines (VIMC), Vietnam Airports Corporation (ACV), Texhong, Jinko, TianYing, Yamaha Moto...; Pioneer in implementing financial - technological solutions for Da Nang Free Trade Zone (IFC) , contributing to the formation of a pioneering financial - technological urban model in Vietnam.

With its efforts in business activities, BIDV has been honored by prestigious domestic and international organizations with many awards such as: Top 20 most sustainable development stocks in Vietnam for the second consecutive time (HOSE); Top 50 best listed companies in Vietnam (Forbes Vietnam Magazine); Best Trade Finance and Supply Chain Finance Bank in Vietnam in 2025 (The Asian Banker Magazine); Outstanding digital transformation enterprise in 2025 (VDCA); Safe and secure card bank (Visa); Leading bank in growth of premium card payment sales (Visa); Bank with outstanding growth in corporate credit card spending sales (Visa); Leading bank in developing new payment acceptance units (Visa)...

In the coming time, BIDV will continue to closely follow market and system developments, operate business operations towards safe and effective credit growth; at the same time, focus on promoting non-interest income sources, enhancing e-banking services, maximizing revenue sources and controlling costs... striving to complete the set annual plan.

For more information please contact:

Joint Stock Commercial Bank for Investment and Development of Vietnam

Phone: 024.22205256; Fax: 024.22200399

Website: www.bidv.com.vn