Bad loan ratio at 28 Vietnamese banks rises to 2.12%
Financial reports from 28 Vietnamese banks show their combined bad loan ratio reached 2.12% at the end of September 2026, up 0.24 percentage points from the end of 2025. Vietcombank had the lowest ratio in the sample at 0.71%. Among the 10 banks with the lowest ratios, only Nam A Bank recorded a decline from year-end 2025.
According to financial reports from 28 Vietnamese banks, Group 3 to Group 5 loans accounted for 2.12% of their outstanding customer loans at the end of September 2026, up 0.24 percentage points from 1.88% at the end of 2025. The article uses this measure as the bad loan ratio.
Bad loan ratios at 28 Vietnamese banks at the end of the third quarter of 2026.（VietVance）
Vietcombank had the lowest bad loan ratio in the sample at 0.71% and was the only bank below 1%; its ratio was 0.58% at the end of 2025. ACB and Bac A Bank both stood at 1.19%, ranking second and third, respectively. VietinBank ranked fourth at 1.20%, followed by Techcombank in fifth at 1.27%.
The remaining banks in the top 10 were VietABank, ABBank, Nam A Bank, MB and BIDV, with bad loan ratios of 1.38%, 1.42%, 1.61%, 1.67% and 1.85%, respectively. Nam A Bank's ratio fell by 0.55 percentage points from the end of 2025, making it the only bank in the top 10 to record a decline; the ratios at the other nine banks all rose.
Among all 28 banks in the sample, eight recorded a decline in their bad loan ratios from the end of 2025. NCB saw a substantial drop, from 8.63% to 4.87%. The article also lists Sacombank, NCB, OCB, PGBank and HDBank among banks with higher bad loan ratios, but does not provide specific ratios for four of them.
Source: VietVance
