Vietcombank continues to lead the system in charter capital.

Military Commercial Joint Stock Bank (MB) rose to second place after completing its capital increase from VND61,023 billion to VND81,000 billion. Ranked third in the system is Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ), with VND79,339 billion, unchanged from the end of 2024.

Vietnam Technological and Commercial Joint Stock Bank (Techcombank) ranked fourth, with VND70,649 billion. Next was Vietnam Joint Stock Commercial Bank for Investment and Development (BIDV), with a charter capital of VND70,214 billion, up nearly 2%. Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) ranked sixth, with a charter capital of VND53,700 billion. Vietnam Bank for Agriculture and Rural Development ( Agribank ) also increased its charter capital to VND51,600 billion.

Vietcombank has the largest charter capital in the banking system. Photo: VCB

With the roadmap to increase the CAR ratio (capital adequacy ratio - the ratio of a bank's capital to its risk-weighted assets and short-term debt) to at least 10.5% by 2033, increasing charter capital is no longer an option, but a mandatory requirement for banks.

Therefore, many banks have plans to increase capital, in which, Saigon - Hanoi Commercial Joint Stock Bank (SHB) has just announced changing the number of voting shares from 4.1 billion to nearly 4.6 billion shares, after completing the issuance of shares to pay dividends in 2024, thereby increasing charter capital to nearly 46,000 billion VND, corresponding to a capital increase rate of 13%.

Or Orient Commercial Joint Stock Bank (OCB) completed the distribution of bonus shares to existing shareholders in August at a rate of 8%, thereby increasing its charter capital to VND26,630 billion.

An Binh Commercial Joint Stock Bank (ABBank) has a plan to increase its charter capital from VND10,350 billion to VND13,973 billion, an increase of 35%, to have additional capital for business operations, complying with the internal capital adequacy level as prescribed by the State Bank.

According to Circular No. 14/2025/TT-NHNN issued by the State Bank (June 30, 2025) regulating capital adequacy ratios for commercial banks and foreign bank branches, commercial banks without subsidiaries or foreign bank branches must maintain individual capital adequacy ratios including: Core capital ratio of at least 4.5%; Tier 1 capital ratio of at least 6% and minimum capital adequacy ratio of 8%.

For commercial banks with subsidiaries, the individual and consolidated capital adequacy ratios must also meet the corresponding levels: Core Tier 1 capital of at least 4.5%, Tier 1 capital of at least 6% and minimum capital adequacy ratio of 8%.

Source: https://hanoimoi.vn/vietcombank-tiep-tuc-dan-dau-he-thong-ve-von-dieu-le-715559.html