OCB’s Pre-tax Profit in 2025 Reached 5.046 Trillion VND, Increasing Nearly 26%

At the end of 2025, OCB reported a pre-tax profit of 5.046 trillion VND, up 25.9% compared to the previous year, achieving 95% of its plan. Total revenue in Q4 was 3.767 trillion VND, growing 28.5% from the previous quarter. This growth was primarily driven by increases in interest income and non-interest income. The net interest margin decreased slightly as the bank proactively lowered lending rates to attract clients in a competitive market. Operating expenses were effectively controlled, with a cost-to-revenue ratio of 29.8%. Total assets reached 322.975 trillion VND, up 16.8% from 2024. OCB focused on digitizing services, with 98% of transactions occurring digitally, alongside the launch of new digital products. Additionally, the bank improved risk management, ensuring compliance with safety ratios. OCB aims to be in the top 5 private joint-stock banks in digitalization and operational efficiency by 2030.