VIB AGM approves dividend plan of nearly 19%, Credit Growth Target of 15%, and Profit Plan of VND 11.55 Trillion for 2026

On the morning of April 8, 2026, Vietnam International Bank (VIB) held its Annual General Meeting of Shareholders (AGM) in Ho Chi Minh City. The AGM approved a dividend distribution plan of nearly 19%, including cash dividends and bonus shares, along with a pre-tax profit target of VND 11.55 trillion for 2026.

The VIB Annual General Meeting 2026 took place in Ho Chi Minh City on the morning of April 8, 2026.

According to the Board of Directors’ report at the AGM, during the period 2017–2025, VIB maintained a compound annual growth rate (CAGR) of 20–30% across key metrics, outperforming the industry average:

-     Total assets: 21% per year - vs. industry average of 12%

-     Retail credit: 23% per year - vs. industry average of 14%

-     Profit: 26% per year - vs. industry average of 23%

-     Average ROE: 23% - vs. industry average of 17%

In 2025, VIB focused resources on long-term strength by significantly increasing provisioning, strengthening capital and risk management, and investing heavily in technology, products and services across Retail Banking, Corporate Banking, and Human Capital. These efforts laid a solid foundation for the next growth phase. Pre-tax profit reached VND 9.105 trillion, up 1% year-on-year. As of December 31, 2025, total assets reached VND 556 trillion (+13% YoY). Total credit outstanding reached VND 382 trillion (+18% YoY). For customer deposits and valuable papers reached VND 330 trillion (+10% YoY).

Retail Banking as the key growth driver

Retail Banking continued to be VIB’s primary growth driver, with total outstanding retail loans reaching nearly VND 273 trillion as of December 31, 2025, accounting for approximately 70% of the Bank’s total loan portfolio. Over 90% of these loans are secured. During the year, VIB officially joined the “million-card club,” with more than 1.1 million cards in circulation and total card spending exceeding USD 5 billion. Fee income from cards and retail services surpassed VND 2 trillion, contributing significantly to over VND 3.5 trillion in total non-interest income from the Retail Banking segment.

VIB is building a strong fee-based income foundation, reducing reliance on net interest margin (NIM). This strategic shift aligns with expanding into higher-income customer segments, enhancing the service ecosystem, and increasing customer lifetime value.

Retail credit outstanding

Source: AGM 2026

Selective Expansion in Corporate Banking

In 2025, VIB’s Corporate Banking segment shifted from traditional lending to delivering comprehensive financial solutions, including cash management, transaction banking, foreign exchange and capital markets, and trade finance.

As a result, corporate lending grew by 58%, CASA increased by 20%, and fee income surged by 280%, while asset quality remained tightly controlled—laying a solid foundation for sustainable long-term growth.

Corporate loan outstanding at VIB

Source: AGM 2026

Digital transformation and digitization

In 2025, 97% of total individual customer transactions were conducted through digital channels. Digital transaction volume increased by 30% year-on-year to nearly 680 million transactions, while total transaction value rose by 26% to VND 4.6 quadrillion.

The MyVIB application was recognized by International Finance Awards as the “Most Innovative AI Solution in Digital Banking 2025.

Number of digital banking transactions at VIB

Source: AGM 2026

VIB completed Basel III implementation under the Standardized Approach ahead of the industry timeline, with a Capital Adequacy Ratio (CAR) of 12.2%.

In 2025, VIB maintained its leading position in Basel III implementation, with a Capital Adequacy Ratio (CAR) of 12.2% under the Standardized Approach, demonstrating the Bank’s strong balance sheet resilience while supporting continued growth.

2026 Business Plan and Strategic Directions

The AGM approved the 2026 business plan proposed by the Board of Directors.

Source: AGM 2026. Note: Credit growth may be adjusted subject to limits approved by the State Bank of Vietnam (SBV).

Building on the achievements over the 2017–2025 period and the solid foundations established, VIB has defined four strategic priorities for 2026, forming the basis for developing an innovative and intelligent business model and setting new standards for next-generation financial products and services in the VIB 3.0 phase (2027–2036).

1/ Establishing the Retail Banking strategy of “Fastest, Best, Most Personalized,” positioning VIB as the primary financial platform for every customer.

VIB targets the full spectrum of individual customers—from Youth, Mass, and Mass Affluent to Affluent—while also expanding strongly into the household business and SME segments. Each segment is delivered deeply personalized financial experiences powered by data and AI. At the same time, five product pillars are comprehensively upgraded: fully digital end-to-end lending; deposit solutions that optimize personal assets; card products that empower customers to actively choose and personalize their benefits; insurance and investment solutions offering comprehensive 360-degree protection; and payments and transactional banking that accompany customers throughout their spending journeys. In particular, VIB aims to become the market leader in cards within the next three years, positioning VIB cards as a mass-market payment tool.

In 2026, VIB will accelerate personalization beyond the individual level to the broader customer ecosystem, elevate the overall standards of Privilege Banking experiences, and strengthen tailored solutions for Business Banking. On April 10, VIB will officially launch its Priority Banking segment, redefining privileges and delivering flexible financial solutions that empower customers to take control of their future.

2/ Selective growth in Corporate Banking

VIB continues to focus on developing comprehensive solution packages across lending, funding, and transactional banking, standardized by segment. The Bank is digitizing end-to-end processes for serving corporate clients, while maintaining a prudent and intelligent risk appetite supported by early warning systems and industry-based monitoring.

3/ Personalizing financial solutions at scale for tens of millions of customers, driven by data and AI

VIB’s technology roadmap for 2026 is shaped by multiple initiatives aimed at gaining deeper customer insights, enabling more precise personalization, and supporting real-time decision-making. Key projects include the T24 Core Banking system on AWS, providing a cloud-native infrastructure with enhanced scalability, continuous operations, and data readiness for large-scale real-time AI applications. Agentic AI enables faster credit decisions, real-time fraud detection, and large-scale personalized product recommendations. Salesforce CRM delivers a 360-degree customer view, enabling consistent and seamless customer service across both physical and digital channels.

4/ Setting a new workforce standard in the AI era through the HAGT framework

VIB aims to double productivity for its current workforce of 10,000 employees, equivalent to the output of 20,000 employees, through the HAGT model, where H represents Human Intelligence, A represents Artificial Intelligence, G represents the General Navigation Map (GNM), and T represents Technology Tools. GNM serves as a coordination system ensuring that all initiatives—from the Board of Directors to individual employees—are structured under a unified logic of WHAT → TODO (what needs to be done and how to execute it). This enables strategy to be translated into structured, trackable actions at every level. The General Navigation Map has been developed at VIB over more than nine years as a proprietary framework, applied consistently across the organization from strategy formulation to execution.

Mr. Dang Khac Vy, Chairman of the Board of Directors of VIB, stated: “With the achievements over the past nine years, the solid foundations we have built, and the clearly defined strategy outlined above, we are confident that VIB will successfully deliver its 2026 business plan—the final year of VIB 2.0, while being fully prepared to enter the next growth cycle. This will be driven by an innovative and intelligent business model that sets new standards for next-generation financial products and services, sustaining a growth rate of 20–30% per year throughout the VIB 3.0 period (2027–2036).”

At the conclusion of AGM 2026, all resolutions were approved with a high level of shareholder consensus.