BIDV Nam Ky Khoi Nghia: Founded in 1955, Binh Ngo breaks through with confidence
Closing out the Year of the Snake 2025, BIDV Nam Ky Khoi Nghia affirmed its position as the leader in Ho Chi Minh City and ranked in the Top 5 of the entire system.
BIDV Nam Ky Khoi Nghia made a strong impression with a profit of VND 1,211 billion, an increase of 65.9% over the previous year. Thanks to its sustainable transition strategy and effective risk management, the branch demonstrated its flexible management capabilities, creating momentum for a strong breakthrough in the new year of Binh Ngo 2026.
Building a solid foundation: Comprehensive growth, efficiency coupled with safety
Throughout the Branch's operations, Mr. Nguyen Thanh Son, Director of BIDV Nam Ky Khoi Nghia, has consistently maintained the view that growth must be closely linked to quality, efficiency, and risk management; adhering to the principle of not sacrificing safety for scale. In line with this spirit and closely following the management direction of the head office, in 2025, the branch implemented synchronized and decisive business solutions, maintained positive growth momentum in all aspects of its operations, and strictly controlled asset quality and risk.
In 2025, capital mobilization achieved high efficiency with a total scale of VND 50,120 billion (up 29.9%), averaging VND 47,250 billion. The CASA ratio reached 24%, higher than the regional average (17%), contributing to enhancing competitiveness. The credit segment grew strongly by 71.3%, reaching VND 32,152 billion, accompanied by good risk control. In particular, off-balance sheet debt collection reached VND 310.1 billion, completing nearly 290% of the target and contributing up to 25% of pre-tax profit.
Flexible adaptation: Leveraging local strengths to expand growth potential
Amidst the gradual recovery of the Ho Chi Minh City real estate market after a period of stagnation, BIDV Nam Ky Khoi Nghia proactively seized opportunities, implementing selective and prudent project lending; focusing on large, reputable developers with transparent legal status and highly feasible projects. The successful financing of numerous large-scale, high-quality projects continues to affirm BIDV's assessment capabilities, risk management, and brand reputation in the region.
Retail credit saw strong growth with outstanding loans of VND 7,799 billion (up 90.3%), of which medium- and long-term home loans accounted for 55% (VND 4,300 billion), focusing on real demand. Concurrently, total service revenue reached VND 62.26 billion (up 38.5%), with Metlife Insurance standing out by achieving 290% of its plan.
Notably, anticipating the KRX system and market upgrade, custody and supervision fees accounted for 55% of total service revenue, affirming the bank's position as a payment bank. The digital banking segment also grew impressively with revenue of VND 63 billion (up 106%), demonstrating the customer-centric modernization strategy.
Binh Ngo Breakthrough: Enhancing Quality, Expanding Regional Strength
Entering 2026 - the Year of the Horse, in the context of Ho Chi Minh City continuing to play a leading role in the country's economy, with a focus on developing a financial center, digital economy, and smart city, BIDV Nam Ky Khoi Nghia has set a goal of selective growth, closely linked to improving the quality and efficiency of its operations, ensuring safe and sustainable development.
According to the Branch Management Board's orientation, the focus in the coming period will be on maximizing geographical advantages, expanding the retail, SME, and FDI customer base; prioritizing green credit and medium- to long-term credit; while promoting digital banking, improving human resource quality and management capabilities, and creating a solid foundation for a new breakthrough phase.
Determined to maintain its position as one of the top five most profitable branches in the entire system and the leader in Ho Chi Minh City, BIDV Nam Ky Khoi Nghia not only focuses on successfully achieving its own goals, but also proactively coordinates and works alongside other branches in the area to leverage the combined strength of the region. In the spirit of solidarity, sharing, and mutual support, BIDV branches in Ho Chi Minh City strive to become a key region, making significant and sustainable contributions to the overall development of the entire BIDV system in 2026 and beyond.