In the third quarter of 2025, after-tax profit of listed banks is expected to increase by 22%

According to the forecast of Military Commercial Joint Stock Bank Securities Company (MBS), after-tax profits of listed banks in the third quarter increased by 22% over the same period last year, up 16.3% compared to the beginning of the year.

Credit is also forecast to grow strongly, thanks to low lending interest rates. The latest data from the State Bank shows that as of the end of August, credit growth reached 11.82% compared to the end of 2024.

VietinBank is one of the banks forecast to have positive profits in the third quarter. Photo: Quang Thai

However, according to MBS, credit at the end of the third quarter of the listed banking group is expected to increase by about 14.8% compared to the beginning of the year, equivalent to an increase of 4.6% compared to the second quarter.

MBS's expert team also commented that retail credit will catch up with the growth rate of corporate credit in the second half of 2025 thanks to the recovery of home loans and consumer loans. In addition, credit growth of private banks is forecast to reach 18%, and of state-owned banks at 12%.

After-tax profits of listed commercial banks are also forecast to increase quite highly, with an increase of 21.5% over the same period in 2024, better than the 18.7% in the second quarter.

Banks with strong profit growth are: Vietnam Joint Stock Commercial Bank for Investment and Development ( BIDV ), Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank), Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank), Vietnam Technological and Commercial Joint Stock Bank (Techcombank), Vietnam Prosperity Joint Stock Commercial Bank (VPB), Loc Phat Joint Stock Commercial Bank (LPB)... Accumulated in the first 9 months of 2025, after-tax profit of listed banks is expected to increase by 15.6% compared to the same period in 2024. This is also a group with a fairly high credit growth rate.

Asset quality of the entire banking industry is expected to improve slightly compared to the end of the second quarter, with bad debt expected to fall below 2% and the bad debt coverage ratio kept around 80%.

Source: https://hanoimoi.vn/quy-iii-2025-loi-nhuan-sau-thue-cua-nhom-ngan-hang-niem-yet-du-kien-tang-22-717969.html