VPBank's Significant Contribution to Vietnam's State Budget: The Numbers Speak
Vietnam Prosperity Commercial Bank (VPBank; HoSE: VPB) has demonstrated a pivotal role in strengthening Vietnam's economy, contributing over $1.2 billion (more than 31 trillion VND) to the state budget during the five-year period from 2021 to 2025. This substantial contribution highlights the bank's significant business expansion and its deep commitment to the nation's economic development. By building a diverse and extensive financial ecosystem, VPBank effectively connects capital flows and fulfills the resource needs of the national economy.
According to VPBank's 2026 VNTX list, the bank ranks 7th in the entire banking sector and stands as the 2nd highest contributor among private banks to the state budget. This impressive ranking is based on actual budget contributions recorded in the 2025 financial statements, underscoring the bank's financial stability and its responsibility towards the country. Specifically, VPBank alone contributed over 6,883 billion VND to the state budget in 2025, marking an increase of approximately 1,037 billion VND or 17.7% compared to the previous year. This growth positioned the bank 29th in the list of top budget-contributing enterprises nationwide. This achievement continues the bank's long-standing tradition of contributing thousands of billions of VND to the budget, a testament to its sustained growth trajectory.
"VPBank is committed to its vital role in the nation's socio-economic development. We stand shoulder to shoulder with the government in its mission to build sustainable prosperity, and we will continue this contribution in the future." — A Senior VPBank Official
Remarkable Business Growth and Ecosystem Strength
VPBank has experienced phenomenal business expansion, which has, in turn, fueled its contributions to the state budget. This growth is rooted in the synergistic power of its comprehensive financial ecosystem. Starting with consolidated total assets of approximately 547,400 billion VND at the end of 2021, VPBank grew its assets to 1.26 million billion VND by the end of 2025, an increase of approximately 2.3 times. During the same period, the bank's consolidated pre-tax profit surged from 14,363 billion VND to over 30,600 billion VND, more than doubling. This financial surge reflects the bank's strong strategic planning and efficient operations.
Continuing its robust growth momentum, by the end of Q2 2026, VPBank's consolidated total assets exceeded 1.5 trillion VND, while its profit reached approximately 18,900 billion VND. In this rapid expansion, the parent bank played a leading role, complemented by significant and consistent contributions from its member companies such as VPBankS, FE Credit, and OPES. These subsidiaries collectively form a robust and flexible financial ecosystem that caters to diverse customer needs and enables the bank to support the country's economic objectives.
Connecting Financial Resources and Investing in Priority Sectors
Beyond business results and budgetary obligations, VPBank's contribution to national development is also demonstrated through its ability to efficiently connect financial resources with the capital requirements of the economy. This role is further expanded through a distinct and comprehensive ecosystem, which provides a diverse range of multi-layered, modern financial products spanning banking, consumer finance, securities, insurance, and partnerships. This approach helps VPBank meet the demands of various sectors within Vietnam's economy.
VPBank's extensive customer base strategy enables it to fully meet the needs of over 30 million customers, including individual clients, household businesses, small and medium-sized enterprises (SMEs), large corporations, and foreign direct investment (FDI) companies. Leveraging modern technology, VPBank continuously develops new products, personalizes customer experience, and enhances security through innovative platforms like VPBank NEO and VPBank NEObiz. In terms of lending activities, by the end of Q2 2026, VPBank's consolidated customer loan balance reached 1.18 trillion VND, marking an impressive 23.1% increase compared to the beginning of the year. Adhering to the directives of the State Bank of Vietnam, the bank has directed capital flows to priority sectors such as industrial production, infrastructure, science and technology, and green finance. By the end of 2025, VPBank's green finance loan balance reached 39,052 billion VND, a 78% increase over the same period. Similarly, outstanding loans to women-owned small and medium enterprises reached 25,658 billion VND, a 38% increase, showcasing the bank's focus on inclusive economic growth.
Social Responsibility and Shareholder Confidence
Strong business development has also enabled VPBank to maintain and enhance its contributions to the community. The total budget allocated for social welfare, education, and healthcare activities for the 2021-2025 period reached approximately 2,000 billion VND. This figure underscores the bank's deep commitment to corporate social responsibility (CSR). In 2025 alone, the bank implemented 16 CSR activities with a budget of approximately 105 billion VND. These initiatives included disaster relief and healthcare support, providing scholarships to students, running programs that meet practical needs, spreading humanitarian values, and helping to improve people's living standards. VPBank believes that a strong society is the foundation of a robust economy.
Furthermore, VPBank safeguards shareholder rights by maintaining transparent operations, information disclosure, and consistent cash dividend payments over the past four years, totaling approximately $1 billion. This reflects its accountability and commitment to shareholder trust. The bank also invests significantly in developing a high-quality workforce, fostering a safe and healthy work environment, and promoting resource conservation and emission management practices in its operations. These internal initiatives aim to create a sustainable business model that balances economic benefits with social and environmental responsibilities.
Future Strategy and the Goal of a 'Prosperous Vietnam'
All of VPBank's efforts, including its significant contributions to the state budget, provision of capital for the economy, and extensive social welfare activities, demonstrate a clear commitment. This commitment is to link development with the long-term interests of shareholders, customers, and the wider community. The bank's strategy is not merely limited to achieving financial gains, but to be an active participant in building a strong and prosperous Vietnam.
Solidifying its brand statement, "For a prosperous Vietnam," VPBank is fully poised to sustain its growth momentum and continue making substantial contributions to the country's socio-economic goals in the future. The bank believes that sustainable development is only possible when it advances alongside all segments of society and aligns its business objectives with national priorities. In this way, VPBank is reinforcing its position as a leading and responsible institution in Vietnam's financial landscape.
