Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) — Cyborg Score 8/10
Strong
Commercial banking
Strategic Profile
As of June 30, 2026, Vietcombank's total assets reached nearly VND 2.67 trillion (up 9.83% since end of 2025), with capital mobilization exceeding VND 1.75 trillion and outstanding loans reaching VND 1.74 trillion (up 4.8%). The bank continues to realize its strategic goal by 2030 of becoming the largest financial group in Vietnam; one of the 200 largest financial groups in the world; and one of the 700 largest listed companies globally.
Cyborg Score Rationale
Vietcombank maintains a non-performing loan ratio controlled below 1% and a capital adequacy ratio (CAR) of 11.14%. From March 2026, Vietcombank became one of the first banks to apply the Basel III standard approach to risk management, approaching the governance standards of international banks. The bank maintains its position as the most valuable bank brand in Vietnam and is the only Vietnamese bank in the Top 10 strongest bank brands in the world according to Brand Finance.
Top Insights
Digital transformation is intensified with strengthened IT and Data divisions, deployment of AI solutions, process automation (RPA), and the D-One platform; the digital ecosystem currently connects more than 1,700 partners, gradually forming a competitive advantage based on technology and data.
The FDI business sector continues to be the driving force behind wholesale banking growth, with outstanding loans increasing by over 16%; outstanding loans in the SME segment also increased by 10.4% compared to the beginning of the year.
Vietcombank continues to integrate sustainable development (ESG) elements into its business strategy, promoting green credit with outstanding loans of nearly VND 41,000 billion.
The bank demonstrates strong potential and business efficiency through enhanced adoption of innovation, utilizing Open Banking and an open ecosystem to expand the boundaries of traditional banking, transforming APIs into a bridge between the bank and Fintech, e-commerce, healthcare, and other digital service platforms.
Named Competitors
HDBank — Vietnamese commercial bank competing in retail and wholesale banking
VietinBank — Vietnamese state-owned commercial bank with broad geographic and customer reach
Scotiabank — International commercial bank with operations in Vietnam
Recent Developments
(April 2026) Shareholders' General Meeting approved 2026 business plan and capital increase via issuance of over 1 billion shares
(March 2026) Became one of the first banks to adopt Basel III standard approach to risk management
(H1 2026) Total assets reached VND 2.67 trillion, up 9.83% year-over-year; received Top 10 Innovative and Efficient Business Banks Award
Open the full interactive Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.