Eximbank reported a profit of 1,488 billion VND in the first 6 months of the year.

(Dan Tri) - Eximbank's financial picture in the first 6 months of the year has many bright spots in the context of the overall banking industry's prosperity.

Credit increased by 9.8%, Eximbank recorded pre-tax profit of 1,488 billion VND

Vietnam Export Import Commercial Joint Stock Bank (Eximbank, code EIB) has just announced its business results for the first 6 months of 2025, recording pre-tax profit of VND 1,488.5 billion, up 0.97% over the same period. In the second quarter, Eximbank achieved a profit of VND 656.9 billion.

Net interest income reached VND2,823.8 billion in the first 6 months of the year. Income from service activities in the first 6 months of the year reached VND1,203.9 billion, up 63.3% over the same period, contributing to pushing net profit from service activities to VND338.3 billion, up 43.8% over the same period.

In the first 6 months of 2025, foreign exchange trading was Eximbank's breakthrough highlight with net profit reaching VND 364.4 billion, up 76.3% over the same period in 2024. International payment turnover at Eximbank reached 3.9 billion USD, up 28.3% over the same period. Other activities also brought in VND 250.3 billion for Eximbank. After 6 months, the after-tax profit margin on total assets (ROA) reached 0.47%; the after-tax profit margin on equity (ROE) reached 4.55%.

Eximbank's operating expenses were controlled at VND1,959 billion in the first 6 months of the year, up 24.9% over the same period last year. The increase in operating expenses was mainly due to staff costs, rent and depreciation.

Provision expenses recorded decreased to VND328.3 billion, equivalent to a decrease of 34.6% compared to the same period, due to the improvement in asset quality of loans and the absence of some provisions. Eximbank's bad debt/loan balance ratio was controlled at 2.66% as of June 30.

Also at the end of the second quarter, Eximbank's total assets continued to grow, reaching VND256,442 billion, up 6.95%, equivalent to an increase of VND16,673 billion compared to the beginning of the year. Total mobilized capital reached VND225,517 billion, up 7.36% compared to the beginning of the year. Of which, the CASA ratio (non-term deposits) reached VND24,141 billion, up 3.6% compared to the beginning of the year.

Eximbank's credit grew positively by 9.8% to VND184,663 billion, focusing on import-export customers, consumer credit... The 9.8% credit growth also reflects the needs of businesses and people as well as Vietnam's positive economic growth momentum.

In the first 6 months of 2025, Eximbank conducted business activities ensuring the operational safety ratio in accordance with the regulations of the State Bank, in which the capital safety ratio CAR fluctuated around 12% (always higher than the prescribed level of 8%), the ratio of short-term capital used for medium and long-term loans was always maintained lower than the maximum limit of 30%; the LDR ratio was always guaranteed to be below 85% as prescribed.

In the first 6 months of the year, Eximbank has achieved 28.7% of the 2025 profit plan approved by the 2025 annual shareholders' meeting (pre-tax profit target of VND 5,188 billion).

In the first 6 months of this year, Eximbank continued to promote the construction of digital banking by operating the new Core card system in May. Eximbank was honored as "Leading Bank in Card Payment Sales in 2024".

In April, Eximbank won the Sao Khue 2025 award with two technology solutions, ESale and BPM, thanks to their practical application and ability to improve customer experience.

Not only growing in scale, Eximbank is also active in community activities when organizing the Ho Chi Minh City Night Run Eximbank 2025 attracting more than 5,000 athletes; Blood donation program "Today's blood gives hope - together with Eximbank creating the future"; Gratitude program in Quang Tri - Thua Thien Hue...

Interest rate reduction to accompany people and businesses

Statistics on Eximbank's average lending interest rate in June were at 7.1%/year, of which the corporate customer segment was only 6.61%/year. This interest rate clearly demonstrates Eximbank's commitment to accompanying people and businesses in the context of many economic difficulties.

Eximbank representative affirmed that in 2025, the bank has actively lowered lending interest rates, dedicated many support programs for SME businesses, closely following the direction of the Government and the State Bank to support businesses and people in accessing loans, contributing to promoting economic growth, bringing the country into a new era.

Eximbank's customer base is constantly increasing (Photo: EIB).

Eximbank's customer base has grown since the beginning of the year, mainly from individual customers. The bank's total existing customers are about 2.6 million.

Strengthen internal strength, create momentum for breakthrough

Eximbank is in a pivotal year laying the foundation for a breakthrough in the 2026-2030 period. The bank is determined to focus on consolidating the foundation, promoting comprehensive transformation, and creating momentum for sustainable growth.

Currently, Eximbank is working with consulting partners and international experts to comprehensively restructure the bank, build a medium and long-term development strategy, focus on customers, and strengthen the internal audit and risk management system.

Eximbank is also preparing to move its headquarters to Hanoi after receiving approval from the State Bank. This is a strategic turning point in the process of restructuring, repositioning the brand and raising Eximbank's position in the market. This decision reflects a strong shift in leadership thinking, orienting Eximbank to become a bank with modern management, high competitiveness, transparency and efficiency.

Source: https://dantri.com.vn/kinh-doanh/eximbank-bao-lai-1488-ty-dong-6-thang-dau-nam-20250729223634420.htm