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The loan portfolio remains well balanced, with more than 73 per cent of total outstanding loans concentrated in the retail and sme segments More than 90 per cent of retail loans are backed by fully legal real estate assets, primarily in major urban centres. Over 90 per cent of retail loans are secured by fully legal real estate assets, primarily located in major urban centres.

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Concurrently, fiinratings maintains a ‘positive’ outlook, reflecting the expectation that vib’s asset quality will demonstrate a marked improvement by the end of 2025, supported by the following factors: Profit before tax exceeds vnd 5 trillion, total assets surpass vnd 500 trillion with credit growth reaching 10% The award evaluation is based on the enterprise's scale, growth, and efficiency over multiple years, solidifies vib’s position as a leading retail bank in vietnam in terms of both scale and quality.

In 6m 2024, 82% of vib’s lending portfolio was comprised of retail customers, in which 53% were mortgages, 21% were business loans, 13% were auto loans, and 13% were cards and other consumer loans.

Vib profit rises on strong lending and deposit growth Vib said its asset quality continued to improve, supported by effective risk management and prudent operational controls maintained at an optimal level. Vib’s total loans reached vnd 324,010 billion, a 22% increase, driven by growth in all four key segments Retail, corporate, sme, and financial institutions.