Surprisingly, a series of banks have average employee income of over 40 million VND/month.

28 commercial banks have just announced their financial statements (FS) for the second quarter of 2025. Of these, 17 banks recorded an increase in average employee income compared to the average income in 2024.

Leading the system in terms of the highest average income increase is Sacombank with 10 million VND/month; followed by VPBank (9.8 million VND); TPBank (9.3 million); MB increased (6.3 million); NCB (5.7 million); ABBank (4.2 million); LPBank (4.1 million); VIB (4.1 million); Saigonbank and Vietcombank both increased by 4 million VND;ACB (3.3 million)...

On the contrary, banks that recorded a decrease in average employee income compared to 2024 include: Nam A Bank, HDBank, Techcombank, VietBank, Agribank, BIDV,SHB , MSB, Bac A Bank, Viet A Bank and Eximbank.

Of which, the average income of Nam A Bank employees decreased the most, with a decrease of 8.2 million VND to 21 million VND/month.

The average income of HDBank employees also decreased sharply by 6.6 million VND, to 32 million VND/month.

Although Techcombank is still in the group of banks with the highest income, the average monthly income of this bank in the first 6 months of the year decreased by 5 million VND compared to the average in 2024, to 43 million VND/person/month.

Compared with the average income of the first 6 months of 2024, Techcombank employees' income has decreased sharply by 10 million VND/month.

A notable point in the financial statements of the above banks is that TPBank "dethroned" Techcombank for the first time, becoming the bank with the highest average income per capita in the first 6 months of this year.

Accordingly, on average, each month TPBank employees pocket 43.42 million VND (including salary and allowances), while Techcombank dropped to second place with an average employee income of 43 million VND/month.

This is also the first time this bank no longer monopolizes the income group over 40 million VND/month, when for the first time there is the presence of "big guys" including: TPBank (43.42 million VND), Vietcombank (42 million VND), ACB (41 million VND), Sacombank (41 million VND) and VPBank (41 million VND).

The average income statistics of the 28 commercial banks above do not include MB and SHB, because these two banks do not publish details of salary and allowances. Instead, the general expenses for employees include: salary, allowances and salary-based contributions.

With such general spending level, MB spends an average of 54.4 million VND/month on employees, an increase of 6.3 million VND/month compared to the average spending level in 2024. SHB spends an average of 39 million VND/month, a decrease of 1.9 million VND/month.

However, it is estimated that the average income of MB Bank employees is over 40 million VND/month.

List of banks with average income under 40 million/month

In addition to the banks that generously pay average employee income of over 40 million VND/month mentioned above, the list of banks with average employee income of over 30 million VND/month in the first half of this year includes: VietinBank at 38 million VND; NCB at 36.65 million VND; VIB at 35.38 million VND; BIDV at 35 million VND; MSB at 32.5 million VND; HDBank at 32 million VND; SeABank at 31.8 million VND and Agribank at 30 million VND.

It can be seen that except for Vietcombank, the remaining 3 "big guys" in the Big4 group, Agribank, BIDV and VietinBank, have no longer maintained their advantage as the leading banks in terms of highest employee income after the rise of a series of private banks.

The group of the smallest private banks today, including VietBank, Saigonbank, Nam A Bank, Viet A Bank, and KienLong Bank, is also the group with the lowest remuneration levels.

Of which, VietBank is the only bank that maintains an average employee income of less than 20 million VND, only 17 million VND/month.

RANKING OF AVERAGE INCOME OF BANK EMPLOYEES IN THE FIRST 6 MONTHS OF 2025
STT	BANK	TNBQ (million VND/person/month)	CHANGE COMPARED TO 2024 (million VND/person/month)
1	TPBANK	43,424	+9.3
2	TECHCOMBANK	43	-5
3	VIETCOMBANK	42	+3.9
4	ACB	41	+3.3
5	SACOMBANK	41	+10
6	VPBANK	41	+9.8
7	VIETINBANK	38	+0.4
8	NCB	36.65	+5.7
9	VIB	35.38	+4.1
10	BIDV	35	-2.8
11	MSB	32.54	-1
12	HDBANK	32	-6.6
13	SEABANK	31.80	+1.6
14	AGRIBANK	30	-3.7
15	ABBANK	28	+4.2
16	LPBANK	27	+4.1
17	PGBANK	26.7	+2.7
18	OCB	24	+0.35
19	BAC A BANK	23.5	-0.65
20	EXIMBANK	23.25	-2.5
21	BVBANK	23,24	+1.3
22	KIENLONG BANK	23	+3
23	SAIGONBANK	22	+4
24	VIET A BANK	21.6	-0.35
25	NAM A BANK	21	-8.2
26	VIETBANK	17.55	-4
*The above ratings do not include MB and SHB.*