On 26 April 2025 in Hanoi, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) successfully convened its Annual General Meeting of Shareholders (AGM) 2025. The meeting gathered 305 shareholders, representing 96.95% of the bank's voting shares.

At the AGM, shareholders reviewed and approved key reports and proposals, including: Report on the Board of Directors’ performance in 2024 and key activities for 2025; report on 2024 business performance and business plan for 2025; report of the Supervisory Board’s performance in 2024 and key activities for 2025; and election of additional members to the Board of Directors and the Supervisory Board for the 2022–2027 term, etc.

In 2024, under the leadership of the Board of Directors and in alignment with the directions of the Government, the State Bank of Vietnam (SBV), and the AGM resolutions, BIDV pursued dynamic and innovative business strategies. The bank; fully met or exceeded assigned business plans and targets across all areas; reinforce its role in implementing national monetary policies, fulfilled obligations to the State Budget, and safeguard the interests of shareholders and employees, etc.

As of 31 December 2024, BIDV achieved all business targets assigned by the SBV and the AGM, as follows:

• Total assets surpassed VND2.7 quadrillion, up20% year-on-year (yoy), maintaining its position as Vietnam’s largest bank by assets.
• Deposits aligned with market conditions and credit growth, ensuring safety and efficiency, with measures to optimize capital structure and reduce costs. Deposits totaled nearly VND2.53 quadrillion, including VND2.14 quadrillion in customer deposits (up 13.1% yoy), accounting for 14.3% of the sector’s market share.
• Loans and Investments exceeded VND2.59 quadrillion, with outstanding loans reaching almost VND2.02 quadrillion (up 15.5% yoy), representing 13% of sector market share, the highest among joint-stock commercial banks, with a focus on production, priority sectors, and growth drivers aligned with government policies and SBV’s directives.
• Credit structure transitioned toward a more sustainable path: Retail loans grew 24.9%, accounting for 47.3% of total loans, an increase of 3.5 percentage points yoy; loans to foreign direct investors (FDIs) rose to 3.5% of total loans (up 0.9 percentage points yoy). Green credits reached VND81 trillion, leading the market and making up 12% of Vietnam's total green credit portfolio.
• Credit quality was strictly controlled with the prescribed threshold: As of 31 December 2024, NPL ratio (as per Circular 31/2024/TT-NHNN) stood at 1.27%, meeting the AGM targets and complying with SBV’s threshold. Bad debt coverage ratio of the commercial bank reached 133%.
• Business efficiency increased and met the 2024 targets: Pre-tax profit reached VND30.61 trillion (up 14.6% yoy) for the commercial banks and VND31.99 trillion (up 15.9% yoy) on a consolidated basis, exceeding the target assigned by the SBV and AGM. Full provisioning for credit risks was maintained in compliance with regulations.
• BIDV preserved and expanded State capital, fulfilled obligations to the State Budget, and safeguarded shareholder and employee benefits: As of 31 December 2024, BIDV’s equity reached VND136.28 trillion(up 18.3% yoy), charter capital rose to VND68.98 trillion, and market cap increased by 4.6% to VND259 trillion, ranking BIDV among the top three listed companies on  Vietnam's stock market. BIDV remained one of the top corporate income taxpayers, contributing over VND9.28 trillion to the State budget.
• Well maintained profitability indicators and prudential ratios: ROA and ROE were 1% and 19.5%, respectively, meeting the SBV’s targets; single-entity CAR and consolidated CAR were 8.78% and 9.03%, respectively, meeting SBV’s requirements under Circular 41/2016/TT-NHNN dated 30 December 2016; Loan-to-Deposit Ratio  was 83.65%, fully compliant with regulations under Circular 22/2019/TT-NHNN dated 15 November 2019, other safety indicators remained in line with regulatory standards and practices.
• Actively supporting the economy, the Party and the State, in 2024, BIDV reduced interest rates by an average of 1.2%  to support business and individuals , voluntarily reduced income by over VND 8.6 trillion to assist more than 400,000 customers, restructured debts totaling  VND8.5 trillion for clients facing difficulties, and launched a VND100 trillion support package for regions affected by Typhoon Yagi, offering preferential interest rates.
• BIDV also implemented 185 social welfare programs valued at VND330 billion, including: Aid for typhoon-affected areas; supporting the removal of temporary and dilapidated houses; building flood-proof cultural community houses in disaster-prone regions in the Central region; planting trees nationwide; providing fresh clean water systems for drought and salinity-hit provinces in the Mekong Delta; and organizing BIDV Run - For a Green Life and Warm Tet for the Poor initiatives.

By the end of Q1/2025, BIDV recorded encouraging results: Total assets reached VND2.8 quadrillion; credit balance stood at VND2.07 quadrillion (up 2.6% year-to-date); deposits totaled VND2.17 quadrillion (up 1.7% year-to-date; NPL ratio remained under strict control; and pre-tax profit reached VND7.019 trillion...

BIDV’s outstanding achievements were recognized through numerous prestigious awards, such as: “National Brand”, “Top 1000 Listed Enterprises Worldwide”, “Top 50 Best Listed Companies in Vietnam”, “Top 10 Largest Banks in Southeast Asia”, “Best SME Bank in Southeast Asia”, “Best SME Bank in Vietnam”,  “Best Retail Bank in Vietnam”, “Best Enterprise for Digital Transformation in Vietnam”, “Sustainable Development Business”, “CSR Business”, among others.

Committed to the Party’s and Government’s guidelines and recognizing the demands of a new development phase, BIDV has set strategic goals for 2025–2030: Become a leading Large - Strong - Green bank in Southeast Asia, rank among Top 100 banks in Asia, with a vision to reach Top 50 by 2045, taking lead in social responsibilities, community service, and actively support the national sustainable development.

The operational motto for 2025 is: "Responsibility - Lean - Efficiency - Accelerated Transformation," targeting fundamental improvements to drive breakthrough growth. At the same time, Key Business Targets for 2025 are set: (i) Credit growth of approximately 15–16%, in line with SBV’s guidance; (ii) Deposits growth ensuring safe and efficient capital use (iii) Pre-tax profit growth of 6–10%, subject to approval by relevant authorities; (iv) NPL managed within regulatory limits (as per Circular 31/2024/TT-NHNN).

Board elections at the AGM, shareholders elected Mr. Le Quoc Nghi as Member of BIDV’s Board of Director for the 2022-2027 term, and Mr. Huynh Phuong as Member of BIDV’s Supervisory Board for the 2022-2027 term.