VPBank Continues Securing Substantial International Capital

VPBank, a prominent commercial bank in Vietnam, has been consistently securing substantial international capital through syndicated loans and bond issuances, solidifying its position in global financial markets. The bank leverages its extensive network with leading global financial institutions to access billions of dollars in international funding. Most recently, at the end of June 2026, VPBank signed a sustainability-linked loan (SLL) agreement worth $1.44 billion (approximately VND 37.9 trillion) with the participation of 15 international financial institutions, including SMBC, ANZ, HSBC, and Standard Chartered. This three-year loan reflects the bank's commitment to sustainability. Prior to this, in 2025, VPBank successfully raised $1.56 billion through a syndicated loan and issued $300 million in international green bonds. The bank also signed a $350 million syndicated loan with SMBC. These transactions brought VPBank's total international capital raised in 2025 to a record $2.36 billion. According to its Q2 2026 financial report, VPBank has foreign currency-denominated borrowings of nearly VND 151 trillion (over $5.7 billion) from financial institutions and holds $300 million in 5-year international bonds. These long-term funding sources contribute to maintaining the bank's capital adequacy ratios and liquidity indicators within regulatory limits. At the end of Q2, the bank's loan-to-deposit ratio (LDR) stood at 84.5%, and its ratio of short-term funds to medium and long-term loans was 22.4%, both within prescribed limits. Analysts from Yuanta Securities commented that VPBank is among the banks with the fastest credit expansion in Vietnam, supported by its leading capital base and diverse ecosystem encompassing retail, SMEs, corporate clients, consumer finance (FE Credit), and securities brokerage (VPBankS). Industry experts note that international syndicated loans typically require banks to meet stringent standards in financial capacity, asset quality, risk management, information transparency, and ESG criteria. VPBank's continuous success in closing large-scale international deals enhances its credibility, expands its global partner network, and lays a crucial foundation for future access to international capital. VPBank's total assets surpassed VND 1.5 quadrillion by the end of Q2 2026. International funding, in addition to domestic sources, fuels credit expansion. In the first half of 2026, VPBank's consolidated credit outstanding reached over VND 1.18 quadrillion, an increase of 23% from the beginning of the year; credit outstanding at the parent bank reached VND 1.06 quadrillion. This growth contributed to a consolidated pre-tax profit of nearly VND 18.9 trillion, a 68% increase year-on-year. International capital also supports VPBank in fulfilling its ESG commitments. By the end of 2025, the bank's green credit outstanding reached approximately VND 39 trillion, a 78% increase from the beginning of the year, focusing on sectors such as renewable energy, low-emission transportation, green buildings, the circular economy, and sustainable agriculture. Loans for women-led SMEs exceeded VND 25.6 trillion, up 38%.