Bank Profit 2025 - A Colorful Picture

Up to this point, the bank Almost all have announced their 2025 business plans and are quite confident that they will achieve their goals, although they all agree that this year will be a big challenge for the banking industry. profit This year's industry, it can be said, continues to be a colorful picture while some large-scale banks tend to have darker tones with more cautious plans, while some banks set a profit growth target of one and a half times, even more than double.

131% is the highest profit growth target in the banking industry set by ABBank this year. Next is PGBank with a target of 70%, or Vietbank with 55%, which are small banks with modest profit scale. Meanwhile, most banks set a profit growth target of 20-25% for the whole year. More cautious is the common point of banks with top profits with growth plans of 5-14%.

Ms. Do Minh Trang - Director of Analysis, ACBS Securities Company said: "We think that the average level will be around 14-15% profit growth this year, corresponding to 16% expected credit growth. This plan is currently not too different and does not reflect the impact of tariffs reflected in the story of banks".

It is estimated that this year the number of banks with profits of over 20,000 billion will increase from 7 to 9 banks.

In the context of an uncertain global economy , banks with outstanding business results will be those with large outstanding loans in areas such as public investment, construction, building materials and retail.

Even though banks benefit from growth promotion policies and loose monetary policies, their net profit margins (NIM) will tend to decrease from the current 3.3%.

Mr. Quan Trong Thanh - Director of Analysis, Maybank Investment Bank shared: "Banks will proactively provide preferential loan packages, while operating costs and input capital costs are quite stable. NIM levels will decrease by about 0.1-0.2%... On the contrary, thanks to preferential interest rates, banks can easily push credit."

Mr. Vo Minh Chien - Head of Analysis Department, VnDirect Securities Company commented: "Investors' psychology has stabilized, they will tend to look for stocks, firstly, they bring a sense of security. Secondly, the business model focuses on domestic growth instead of export. The banking industry will attract and bring that feeling to investors".

The data shows that the current valuation of the banking industry: Price to book value P/B is about 1.27 times. ROE is 18.8%. The lowest valuation in the past 5 years, as well as being cheaper than banks in the region, opens up opportunities for investment cash flow to return to the banking stock group. It is estimated that this year the number of banks with profits of over 20,000 billion will increase from 7 to 9 banks.

Source: https://baoquangninh.vn/loi-nhuan-ngan-hang-2025-buc-tranh-da-sac-3354048.html