Record high bond issuance in June 2025, banks play a key role
June 2025 saw the highest monthly bond issuance since 2022, reaching VND94 trillion, up 36% over the previous month. Notably, the commercial banking group is completely leading the market, contributing to more than 80% of the value of bonds issued.
Vietnam Investment Credit Rating Joint Stock Company (VIS Rating) believes that the bond market is gradually stabilizing and recovering clearly with signs of improved liquidity, accelerated debt settlement progress and vibrant new issuance activities. The organization also forecasts that banks will continue to be the main driving force of the market, with the total mobilization plan through bonds possibly reaching nearly VND200,000 billion for the whole year of 2025.
The motivation for banks to issue bonds is believed to come from the need to supplement medium- and long-term capital to meet the growth momentum of lending. By the end of June 2025, the total outstanding credit balance of the entire system reached over VND 16.9 million billion, up 8.3% compared to the end of 2024 and up 18.87% over the same period last year. This is the highest credit growth rate since 2023, in line with the economic structure, well meeting the capital needs of people and businesses.
On the investor side, the continuous cooling of savings interest rates and the unexpected movements of gold prices have helped bonds become a potential, safe and effective profit channel. The excitement of the bond market in June has shown that investors' confidence is being strongly strengthened, contributing to the development of the capital market and the economy in general.
Profit effectively, proactively manage cash flow with BAC A BANK bonds
Continuing the success and appeal of previous bond issuances, while increasing effective investment opportunities for customers, from August 4, 2025, Bac A Commercial Joint Stock Bank (BAC A BANK) officially offered 15,000,000 bonds issued to the public in the 2nd - 3rd round, with a total offering value of up to 1,500 billion VND. The two bond symbols BAB203-07L and BAB203-07C both have a term of 7 years, interest is paid periodically every 12 months, the redemption period is 18 months and 24 months respectively from the date of issuance.
BAC A BANK bonds have a face value of 100,000 VND/bond, suitable for all investment subjects and scales. Issued by a bank with a history of more than 30 years of operation and sustainable development, BAC A BANK bonds bring peace of mind to investors with a commitment to pay principal and interest in full and on time, all information is disclosed clearly and transparently.
The highlight of this bond issuance is the interest rate that is flexibly adjusted every year - always higher than the 12-month deposit interest rate with an outstanding margin - maximum 1.3%/year. From the 6th year, the interest rate margin will be up to 3.1%/year, ensuring investors an attractive and stable profit. With only a minimum capital of 50 million VND and 100 million VND respectively, individual investors and institutional investors can participate in this effective profit channel.
At the end of the offering on August 25, 2025, all bonds will be centrally registered at the Vietnam Securities Depository and Clearing Corporation (VSDC) and listed on the Hanoi Stock Exchange (HNX). Moreover, investors can easily transfer, mortgage bonds at competitive interest rates, or conduct other financial transactions.
Similar to previous issuances, BAC A BANK's bonds are still non-convertible, unsecured, non-warrant bonds, are Secondary Debt and satisfy the conditions to be included in the Issuer's Tier 2 Capital according to current law. The product is distributed directly through BAC A BANK's network of Head Offices/Branch/Transaction Offices nationwide, making the access and transaction process simpler and more convenient than ever.
Mr. Thai Hoa (32 years old, currently living and working in Hanoi) shared: “As a beginner in investing and personal finance, I always prioritize transparency and reputation. Bank bonds, specifically BAC A BANK bonds, have helped me both accumulate and create a stable cash flow from idle capital. Participating in both public bond issuances of BAC A BANK last year, I felt completely secure because all information was clear, from term, interest rate to payment method”.
With outstanding advantages in interest rates, liquidity and convenience, the bonds issued to the public for the 2nd time - 3rd time are a testament to BAC A BANK's continuous efforts in providing comprehensive financial solutions, helping customers invest safely and generate effective profits.
This bond issuance not only helps BAC A BANK increase medium and long-term capital sources, meet capital safety standards, and risk management according to regulations of the State Bank, but also once again affirms the bank's strong commitment to the development of the bond market in particular and the country's economy in general.
For more information about BAC A BANK's 2nd - 3rd public bond issuance, please visit the website www.baca-bank.vn, contact the Customer Care Center at 1800 588 828 (free) or receive direct consultation at BAC A BANK branches/transaction offices nationwide.
Source: https://baonghean.vn/bac-a-bank-chao-ban-15-trieu-trai-phieu-phat-hanh-ra-cong-chung-lan-2-dot-3-voi-tong-gia-tri-chao-ban-1-500-ty-dong-10303728.html
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