BAC A BANK: Unwavering commitment to green growth and transparency is the foundation for all breakthroughs.
The 2026 Annual General Meeting of Shareholders of Bac A Commercial Bank (BAC A BANK), recently held in Nghe An, was not only an opportunity to review the spectacular growth figures, but also to continue conveying BAC A BANK's strong message: Staying steadfast on its own path – prioritizing safety, using high-tech agriculture as its ecosystem, and using transparency as the foundation for all breakthroughs.
Breakthrough achievements and a solid position have been established.
Looking back at 2025, BAC A BANK concluded a highly successful financial year. Despite facing numerous economic challenges, the bank recorded pre-tax profits of VND 1,468 billion, exceeding its target by 13%. The impressive aspect lies not only in the 17.9% profit growth but also in the quality of its assets, with the non-performing loan ratio tightly controlled at 1.15% – a figure many credit institutions would envy. The capital adequacy ratio (CAR) reached 10.02%, significantly higher than the State Bank of Vietnam's minimum requirement of 8%.
By the end of 2025, the Bank's total assets reached VND 195,936 billion, recording an impressive growth of 18.3% compared to 2024. This strong increase in asset size was coupled with a strengthening of financial capacity, with charter capital reaching VND 10,032 billion (a 12% increase). Notably, both deposit mobilization and lending achieved double-digit growth, reaching VND 134,091 billion and VND 128,026 billion respectively, demonstrating the enduring confidence of customers and the Bank's proactive approach in providing capital to the economy.
Not only strong in financial indicators, BAC A BANK continues to affirm its position in the field of investment consulting, especially in high-tech agricultural projects. Its long-standing partnership with TH Group over the years has created an ecosystem of clean, sustainable products, from fresh milk and food to medicinal herbs, in Vietnam and in international markets such as Russia and Australia. This is a strategic step towards realizing its commitment to a green and circular economy.
The first-ever "B+" rating with a stable outlook from Fitch Ratings – one of the world's three most reputable credit rating agencies – affirms BAC A BANK's position on the international financial map. This is a strong affirmation of the bank's risk management capabilities, recognition of its financial strength, and sustainable development potential according to international standards.
2025 also marked a spectacular transformation for BAC A BANK in the service and retail banking sector. Revenue from service and guarantee activities surged by 70.1%, demonstrating effective diversification of revenue sources. Digital banking indicators also recorded breakthrough growth: the number of Internet Banking contracts increased by 70.2%, active credit cards increased by over 63%, and the number of new customers increased by nearly 32%. This proves the bank is on the right track in digitizing processes, providing optimal customer experience in the 4.0 era.
The goal is stable and sustainable growth.
At the 2026 Annual General Meeting, BAC A BANK's leadership presented a business plan with comprehensive solutions to ensure stable and sustainable growth. The profit target was set at VND 1,500 – VND 1,650 billion. While this increase is considered modest compared to the impressive results of 2025, it reflects flexible management, closely following the actual developments in the monetary market, and prioritizing strengthening internal capabilities rather than pursuing rapid growth.
.jpg)
Regarding the capital increase plan, the General Meeting unanimously agreed to raise the charter capital to VND 11,525 billion through the issuance of shares as a dividend payment at a rate of 7.5%. Notably, the decision to postpone the second public offering of shares in 2025 was considered a humane and practical one. Instead of making shareholders wait for lengthy legal procedures, the bank prioritized ensuring the dividend payment schedule and protecting the maximum interests of those who have partnered with the business. This is proof of transparency and responsibility in governance – core values that have built the BAC A BANK brand for over 30 years.
.jpg)
A key area of great interest is BAC A BANK's role in investment consulting within the high-tech agricultural ecosystem. For BAC A BANK, credit is not just about loan figures, but a "lever" to contribute to changing the face of rural Vietnam. Ms. Thai Huong, General Director of BAC A BANK, affirmed: Agriculture cannot forever cling to traditional models. We must change our mindset, using high technology and modern management to solve the problem of efficiency. At BAC A BANK, we don't just look at pure profit, but at the sustainable value we bring to the community.
The bank has decided to continue prioritizing capital flows to businesses applying high technology in agriculture, forestry, fisheries, clean medicinal herbs, healthcare, and education. BAC A BANK's aspiration is to integrate farmers into a closed value chain, where they receive support in terms of seeds, technology, and modern management processes. By changing traditional farming methods to applying biotechnology and modern management, farmers are now becoming a crucial link in a sustainable agricultural ecosystem, and by participating in this production chain, they are no longer alone in the face of natural disasters or price fluctuations.
Also at the event, the sharing of TH Group's direction towards transparency and its systematic approach to accessing the capital market – a strategic client of the bank – instilled great confidence in shareholders. The standardization of documentation according to international standards, in collaboration with leading global auditing firms, demonstrates the leadership's foresight in building a business empire based on honesty and integrity. "Transparency is not a burden, but a foundation for us to venture into the global market and gain the trust of international investment funds," shared Ms. Thai Huong, General Director of BAC A BANK.
Simultaneously, 2026 will also be the year BAC A BANK accelerates its digital transformation. With the goal of developing 1.5 to 2 million customers in the coming period, the bank is aggressively investing in its Digital Banking project and Kiosk Banking system, aiming to provide the most convenient user experience, thereby increasing the current account deposit (CASA) ratio and optimizing operating costs.
We don't choose the easiest path, we choose the most sustainable one. Vietnamese agriculture has unlimited potential if we combine local resources, Vietnamese intelligence, and cutting-edge global technology. BAC A BANK will forever be the 'keeper of the flame' for projects that benefit public health, for a future where farmers can proudly live prosperous lives on their own land through technology and transparency.
Labor Hero Thai Huong – General Director of Bac A Commercial Bank
