Vietcombank receives an upgrade in its independent financial strength rating and long-term risk rating from Moody's: Recognizing its strong financial foundation and sustainable risk management capabilities.

On January 30, 2026, the international credit rating agency Moody's announced its rating report for Vietcombank , upgrading it by one notch. Vietcombank's independent financial strength (BCA) has reached a certain level.Ba2 and move up one level. Moody 's upgraded Vietcombank's long-term counterparty risk rating (CRR) and long-term counterparty risk assessment (CRA) to  Ba1 . For Vietcombank's long-term credit rating, Moody's maintained the current rating of Ba2, reaching the ceiling equivalent to Vietnam's national credit rating.

According to Moody's assessment, Vietcombank 's BCA upgrade reflects consistently strong asset quality and superior capital. Vietcombank is assessed as having good profitability supported by low credit costs and good access to low-cost funding . Capital continues to be considered a strength of Vietcombank , supported by a large demand deposit base and its position as a large state-owned commercial bank, thereby further enhancing deposit stability . Regarding asset quality, Vietcombank maintains a low and stable non-performing loan (NPL) ratio and the highest NPL coverage among banks assessed by Moody's in Vietnam.

Moody's expects Vietcombank 's solvency and capital indicators to remain stable during the 2026-2027 period. Despite risks from US trade instability potentially putting pressure on asset quality, Moody's still expects Vietcombank 's future non-performing loan ratio to remain manageable thanks to its rigorous credit assessment standards and sustainable loan portfolio expansion strategy.

Vietcombank's upgraded independent financial strength rating and long-term counterparty risk assessment is a significant recognition by independent rating agencies of its strong financial capacity, asset quality, and effective risk management . This result not only strengthens Vietcombank 's position in the Vietnamese financial and banking system but also contributes to enhancing the confidence of domestic and international investors, partners, and customers. Building on this foundation, Vietcombank continues to steadfastly pursue its sustainable development strategy, promoting standardization according to international practices, improving service quality and competitiveness, and aiming to become a leading bank in promoting sustainable growth and effectively supporting the economy.