BIDV's pre-tax profit in Q3/2026 reached VND 10,579 billion, up 39.3% year on year, as credit risk provisions fell 25% to VND 4,641 billion and net interest income rose 12.4%. For the first nine months, pre-tax profit totaled VND 29,484 billion, up 24.8%. At the end of September, total assets stood at VND 3.49 million billion, up 4.9% from the start of the year, with loans up 8% to VND 2.56 million billion and customer deposits up 6.2% to VND 2.36 million billion. On-balance-sheet bad debt rose about 36% from the start of the year to VND 47,486 billion, lifting the NPL ratio from 1.47% to 1.85%. The bad debt coverage ratio fell from nearly 100% at the end of 2025 to 73.4%.
Summary written by Upside AI from the original article. Read the source for full details.
Original headline: Nợ xấu, tiền gửi khách hàng và lợi nhuận hiện nay của ngân hàng lớn nhất Việt Nam
Keywords
BIDbanksnon-performing loansearnings
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Related tickers and likely impact
BID
• NeutralBIDV
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 259,793 bn VND |
| P/E | 8.1 |
| P/B | 1.37 |
| Close on 10/30/2026 | 33.40 |
| Change that session | -1.33% |
VCB
• NeutralVietcombank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 470,425 bn VND |
| P/E | 11.3 |
| P/B | 1.85 |
| Close on 10/30/2026 | 56.30 |
| Change that session | -1.57% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
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In the third quarter of 2026, BIDV posted pre-tax profit of 10,579 billion VND, up 39.3% year on year, driven by a 12.4% rise in net interest income and a 25% drop in credit provisions to 4,641 billion VND. For the first nine months, pre-tax profit reached 29,484 billion VND, up 24.8%. As of 30 September 2026, total assets stood at 3.49 million billion VND, up 4.9% from the start of the year, while loans rose 8% to 2.56 million billion VND and customer deposits grew 6.2% to 2.36 million billion VND. However, on-balance-sheet bad debt rose about 36% to 47,486 billion VND, lifting the NPL ratio from 1.47% to 1.85% (still below 1.87% a year earlier), and the bad-debt coverage ratio fell to 73.4%. The bank's headcount dropped by 504 from the end of 2025 to 28,769 employees.
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VietinBank reported third-quarter pre-tax profit of 13,688 billion VND, up 22% year on year, overtaking Vietcombank as the largest bank by profit this quarter. Net interest income, the core measure of banking operations, reached 21,815 billion VND, up 27%, while net income from services, foreign exchange and other activities all grew strongly. The bank credited the results to tighter control of capital costs, a rebalanced credit portfolio, risk management and lending to sectors prioritized by the government. However, for the first nine months, pre-tax profit of 39,557 billion VND (up 34%) still ranked second behind Vietcombank. As of September 30, total assets reached 2.95 million billion VND (up 7%), outstanding loans exceeded 2.1 million billion VND, deposits were 1.94 million billion VND, and bad debt stood at 25,781 billion VND, or 1.2% of loans, up 0.1% from the start of the year.
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