OCB has been and continues to show strong changes in business strategy as well as the bank's operations have gradually made significant progress as it is returning to the growth track. Total net revenue in the second quarter of 2025 reached VND 2,642 billion, up 16.3% over the same period. Core business activities have grown steadily, in which net interest income increased by 9.7% to VND 2,179 billion thanks to the growth in credit scale.
Net non-interest income improved sharply, surpassing Q1 by 321.5% and also increasing by 61.9% compared to the same period last year, coming from the results of boosting service revenue and recovering foreign currency trading activities. Specifically, net service revenue increased by 146 billion compared to the same period, equivalent to 97.6% due to growth in consulting services and other services.
After the adverse effects of market fluctuations, the second quarter of 2025 also witnessed a strong recovery in net revenue from foreign currency trading, increasing by 1,387.3% compared to the previous quarter, reaching VND 104 billion.
OCB recorded pre-tax profit in the first 6 months of the year at VND 1,892 billion, and in the second quarter of 2025 alone, it reached VND 999 billion, 11.2% higher than the same period. In fact, 2024 is the year OCB has made a strong change in its business strategy as well as the bank's operations. Up to now, after more than a year, the bank has achieved many clear results.
OCB's profit in the second quarter of 2025 reached VND 999 billion, up 11.2% over the same period.
At the same time, OCB continues to promote its strategy focusing on individual customers, small and medium enterprises, and startups; Providing capital, promoting green finance and strong digital transformation, creating a comprehensive ecosystem for customers in accordance with the spirit of Resolution No. 68 of the Politburo on private economic development that has just been issued.
As of June 30, 2025, in the personal customer segment, the rate of transactions via digital channels has reached a high level, with stable growth compared to the industry. The number of transactions on OCB OMNI digital bank increased by 97%; CASA increased by 28% and online savings deposit turnover increased by 30% compared to the same period in 2024. For corporate customers, OCB expects Open Banking to be the bank's biggest differentiator.
Because integrating Open API into the operating system helps businesses save a lot of costs from technology infrastructure, human resources, operations, and at the same time shorten processing time thanks to the ability to automate the data reconciliation process - completely replacing the manual reconciliation process which is time-consuming and prone to errors. Up to now, the number of transactions connecting Open API with OCB has increased by 57.9% compared to the same period last year; Transaction value increased by 184.8%; Average CASA increased by 31.8%.
Open Banking has been receiving great attention from the Government and agencies to promote digital transformation activities in enterprises. In addition, OCB continues to promote capital provision for green projects, focusing on areas such as renewable energy, green buildings, smart agriculture and other sustainable development projects. Since then, the bank's green credit balance has continued to increase by more than 10% in the first 6 months of the year.
Operating costs are stable, with the second quarter of 2025 only increasing slightly by 0.7% compared to the first quarter of 2025, although the bank continues to expand its scale and invest in technology with the goal of building a comprehensive digital financial ecosystem for customers. As of June 30, 2025, OCB's total assets reached VND 308,899 billion, up 10% compared to the beginning of the year.
Of which, outstanding loans for market 1 reached VND 190,789 billion, up 8.4% compared to the end of last year. Mobilizing deposits for market 1 reached VND 153,940 billion, up 8.1%. Outstanding credit of SME enterprises has continuously increased. For example, in 2024, outstanding credit for SME increased by 51.7% compared to 2023. Entering 2025, outstanding loans have continued to increase compared to the beginning of the year. Notably, OCB is currently the pioneer bank in implementing unsecured working capital loan products specifically for Startups, focusing on cash flow, business model potential and capacity and operating experience of the founding team.
According to Mr. Pham Hong Hai, General Director of OCB: “Retail is still the core strategy, but the bank also focuses on small and medium enterprises (SMEs), especially the Startup group, because we still believe this is a segment with great potential for development in the market. For Startups, the bank will have to introduce very specific credit policies.
Banks cannot stand outside the startup ecosystem. If startups are the new lifeblood of the economy, banks must be the lifeblood that guides smart capital flows. Our view is long-term companionship, you can be “small” today but can become a large enterprise, a unicorn in the future and this requires long-term commitment between the parties, Mr. Hai further emphasized.
In fact, OCB is the first bank in Vietnam to provide medium and long-term loans without collateral to a Startup. Not only that, this is also a relatively large amount of money to help businesses have more financial resources to develop in the next 5-6 years.
In particular, OCB agreed to allow Startups to disburse most of the loan value to repay the investment capital instead of only disbursing for each new project, which allows businesses to proactively and flexibly regulate capital flows effectively. The credit appraisal process for this case is also very special. OCB has delved deeper into the structure and true potential of the business, finding solutions for both parties to understand, build trust and accompany each other for a long time.
According to the General Statistics Office, as of June 2025, the country has about 980,000 enterprises, of which SMEs account for 97%, contributing more than 45% of GDP, more than 31% of total state budget revenue, and creating more than 60% of jobs. This is a key force, not only promoting economic growth but also contributing to social stability through employment and innovation. Therefore, OCB's focus on promoting private economic credit, leading capital flows intelligently and flexibly, is expected to be a step to bring strong growth to OCB in the coming time.
Source: https://baodautu.vn/loi-nhuan-quy-ii2025-cua-ocb-dat-999-ty-dong-tang-112-so-cung-ky-d345073.html
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